id	sid	tid	token	lemma	pos
fsr-3860	1	1	pii	pii	PROPN
fsr-3860	1	2	:	:	PUNCT
fsr-3860	1	3	s1057	s1057	NOUN
fsr-3860	1	4	-	-	PUNCT
fsr-3860	1	5	0810(99)00010	0810(99)00010	NOUN
fsr-3860	1	6	-	-	PUNCT
fsr-3860	1	7	4	4	NUM
fsr-3860	1	8	credit	credit	NOUN
fsr-3860	1	9	union	union	NOUN
fsr-3860	1	10	industry	industry	NOUN
fsr-3860	1	11	structure	structure	NOUN
fsr-3860	1	12	:	:	PUNCT
fsr-3860	1	13	an	an	DET
fsr-3860	1	14	examination	examination	NOUN
fsr-3860	1	15	of	of	ADP
fsr-3860	1	16	potential	potential	ADJ
fsr-3860	1	17	risks	risk	NOUN
fsr-3860	1	18	robert	robert	PROPN
fsr-3860	1	19	j.	j.	PROPN
fsr-3860	1	20	boldina	boldina	PROPN
fsr-3860	1	21	,	,	PUNCT
fsr-3860	1	22	*	*	PROPN
fsr-3860	1	23	,	,	PUNCT
fsr-3860	1	24	keith	keith	PROPN
fsr-3860	1	25	leggettb	leggettb	PROPN
fsr-3860	1	26	,	,	PUNCT
fsr-3860	1	27	and	and	CCONJ
fsr-3860	1	28	robert	robert	PROPN
fsr-3860	1	29	strandc	strandc	PROPN
fsr-3860	1	30	adepartment	adepartment	NOUN
fsr-3860	1	31	of	of	ADP
fsr-3860	1	32	finance	finance	NOUN
fsr-3860	1	33	and	and	CCONJ
fsr-3860	1	34	legal	legal	ADJ
fsr-3860	1	35	studies	study	NOUN
fsr-3860	1	36	,	,	PUNCT
fsr-3860	1	37	indiana	indiana	PROPN
fsr-3860	1	38	university	university	PROPN
fsr-3860	1	39	of	of	ADP
fsr-3860	1	40	pennsylvania	pennsylvania	PROPN
fsr-3860	1	41	,	,	PUNCT
fsr-3860	1	42	322a	322a	PROPN
fsr-3860	1	43	eberly	eberly	PROPN
fsr-3860	1	44	college	college	PROPN
fsr-3860	1	45	of	of	ADP
fsr-3860	1	46	business	business	NOUN
fsr-3860	1	47	,	,	PUNCT
fsr-3860	1	48	indiana	indiana	PROPN
fsr-3860	1	49	,	,	PUNCT
fsr-3860	1	50	pa	pa	PROPN
fsr-3860	1	51	15705	15705	NUM
fsr-3860	1	52	,	,	PUNCT
fsr-3860	1	53	usa	usa	PROPN
fsr-3860	1	54	badjunct	badjunct	PROPN
fsr-3860	1	55	faculty	faculty	NOUN
fsr-3860	1	56	member	member	NOUN
fsr-3860	1	57	at	at	ADP
fsr-3860	1	58	johns	johns	PROPN
fsr-3860	1	59	hopkins	hopkins	PROPN
fsr-3860	1	60	university	university	PROPN
fsr-3860	1	61	,	,	PUNCT
fsr-3860	1	62	washington	washington	PROPN
fsr-3860	1	63	dc	dc	PROPN
fsr-3860	1	64	campus	campus	PROPN
fsr-3860	1	65	,	,	PUNCT
fsr-3860	1	66	washington	washington	PROPN
fsr-3860	1	67	,	,	PUNCT
fsr-3860	1	68	dc	dc	PROPN
fsr-3860	1	69	usa	usa	PROPN
fsr-3860	1	70	,	,	PUNCT
fsr-3860	1	71	george	george	PROPN
fsr-3860	1	72	mason	mason	PROPN
fsr-3860	1	73	university	university	PROPN
fsr-3860	1	74	,	,	PUNCT
fsr-3860	1	75	fairfax	fairfax	NOUN
fsr-3860	1	76	,	,	PUNCT
fsr-3860	1	77	va	va	PROPN
fsr-3860	1	78	,	,	PUNCT
fsr-3860	1	79	usa	usa	PROPN
fsr-3860	1	80	cadjunct	cadjunct	PROPN
fsr-3860	1	81	faculty	faculty	PROPN
fsr-3860	1	82	member	member	NOUN
fsr-3860	1	83	at	at	ADP
fsr-3860	1	84	johns	johns	PROPN
fsr-3860	1	85	hopkins	hopkins	PROPN
fsr-3860	1	86	university	university	PROPN
fsr-3860	1	87	,	,	PUNCT
fsr-3860	1	88	washington	washington	PROPN
fsr-3860	1	89	dc	dc	PROPN
fsr-3860	1	90	campus	campus	PROPN
fsr-3860	1	91	,	,	PUNCT
fsr-3860	1	92	washington	washington	PROPN
fsr-3860	1	93	,	,	PUNCT
fsr-3860	1	94	dc	dc	PROPN
fsr-3860	1	95	,	,	PUNCT
fsr-3860	1	96	usa	usa	PROPN
fsr-3860	1	97	abstract	abstract	PROPN
fsr-3860	1	98	the	the	DET
fsr-3860	1	99	credit	credit	NOUN
fsr-3860	1	100	union	union	NOUN
fsr-3860	1	101	industry	industry	NOUN
fsr-3860	1	102	has	have	AUX
fsr-3860	1	103	undergone	undergo	VERB
fsr-3860	1	104	significant	significant	ADJ
fsr-3860	1	105	changes	change	NOUN
fsr-3860	1	106	over	over	ADP
fsr-3860	1	107	the	the	DET
fsr-3860	1	108	past	past	ADJ
fsr-3860	1	109	decade	decade	NOUN
fsr-3860	1	110	.	.	PUNCT
fsr-3860	2	1	with	with	ADP
fsr-3860	2	2	more	more	ADJ
fsr-3860	2	3	than	than	ADP
fsr-3860	2	4	11,500	11,500	NUM
fsr-3860	2	5	credit	credit	NOUN
fsr-3860	2	6	unions	union	NOUN
fsr-3860	2	7	now	now	ADV
fsr-3860	2	8	serving	serve	VERB
fsr-3860	2	9	74	74	NUM
fsr-3860	2	10	million	million	NUM
fsr-3860	2	11	members	member	NOUN
fsr-3860	2	12	,	,	PUNCT
fsr-3860	2	13	it	it	PRON
fsr-3860	2	14	continues	continue	VERB
fsr-3860	2	15	to	to	PART
fsr-3860	2	16	attract	attract	VERB
fsr-3860	2	17	shareholders/	shareholders/	NOUN
fsr-3860	2	18	depositors	depositor	NOUN
fsr-3860	2	19	because	because	SCONJ
fsr-3860	2	20	of	of	ADP
fsr-3860	2	21	its	its	PRON
fsr-3860	2	22	generally	generally	ADV
fsr-3860	2	23	lower	low	ADJ
fsr-3860	2	24	cost	cost	NOUN
fsr-3860	2	25	services	service	NOUN
fsr-3860	2	26	and	and	CCONJ
fsr-3860	2	27	higher	high	ADJ
fsr-3860	2	28	returns	return	NOUN
fsr-3860	2	29	on	on	ADP
fsr-3860	2	30	savings	saving	NOUN
fsr-3860	2	31	.	.	PUNCT
fsr-3860	3	1	the	the	DET
fsr-3860	3	2	credit	credit	NOUN
fsr-3860	3	3	union	union	PROPN
fsr-3860	3	4	membership	membership	NOUN
fsr-3860	3	5	access	access	PROPN
fsr-3860	3	6	act	act	PROPN
fsr-3860	3	7	of	of	ADP
fsr-3860	3	8	august	august	PROPN
fsr-3860	3	9	1998	1998	NUM
fsr-3860	3	10	should	should	AUX
fsr-3860	3	11	help	help	VERB
fsr-3860	3	12	membership	membership	NOUN
fsr-3860	3	13	continue	continue	VERB
fsr-3860	3	14	to	to	PART
fsr-3860	3	15	grow	grow	VERB
fsr-3860	3	16	.	.	PUNCT
fsr-3860	4	1	at	at	ADP
fsr-3860	4	2	the	the	DET
fsr-3860	4	3	same	same	ADJ
fsr-3860	4	4	time	time	NOUN
fsr-3860	4	5	,	,	PUNCT
fsr-3860	4	6	however	however	ADV
fsr-3860	4	7	,	,	PUNCT
fsr-3860	4	8	shareholders	shareholder	NOUN
fsr-3860	4	9	/	/	SYM
fsr-3860	4	10	depositors	depositor	NOUN
fsr-3860	4	11	should	should	AUX
fsr-3860	4	12	be	be	AUX
fsr-3860	4	13	aware	aware	ADJ
fsr-3860	4	14	of	of	ADP
fsr-3860	4	15	the	the	DET
fsr-3860	4	16	unique	unique	ADJ
fsr-3860	4	17	structure	structure	NOUN
fsr-3860	4	18	of	of	ADP
fsr-3860	4	19	the	the	DET
fsr-3860	4	20	credit	credit	NOUN
fsr-3860	4	21	union	union	NOUN
fsr-3860	4	22	industry	industry	NOUN
fsr-3860	4	23	.	.	PUNCT
fsr-3860	5	1	this	this	DET
fsr-3860	5	2	paper	paper	NOUN
fsr-3860	5	3	examines	examine	VERB
fsr-3860	5	4	the	the	DET
fsr-3860	5	5	inherent	inherent	ADJ
fsr-3860	5	6	risk	risk	NOUN
fsr-3860	5	7	as	as	ADP
fsr-3860	5	8	a	a	DET
fsr-3860	5	9	result	result	NOUN
fsr-3860	5	10	of	of	ADP
fsr-3860	5	11	the	the	DET
fsr-3860	5	12	interrelationships	interrelationship	NOUN
fsr-3860	5	13	among	among	ADP
fsr-3860	5	14	its	its	PRON
fsr-3860	5	15	components	component	NOUN
fsr-3860	5	16	.	.	PUNCT
fsr-3860	6	1	©	©	PROPN
fsr-3860	6	2	1998	1998	NUM
fsr-3860	6	3	elsevier	elsevier	PROPN
fsr-3860	6	4	science	science	PROPN
fsr-3860	6	5	inc	inc	PROPN
fsr-3860	6	6	.	.	PUNCT
fsr-3860	7	1	all	all	DET
fsr-3860	7	2	rights	right	NOUN
fsr-3860	7	3	reserved	reserve	VERB
fsr-3860	7	4	.	.	PUNCT
fsr-3860	8	1	1	1	X
fsr-3860	8	2	.	.	X
fsr-3860	8	3	introduction	introduction	NOUN
fsr-3860	8	4	on	on	ADP
fsr-3860	8	5	august	august	PROPN
fsr-3860	8	6	7	7	NUM
fsr-3860	8	7	,	,	PUNCT
fsr-3860	8	8	1998	1998	NUM
fsr-3860	8	9	,	,	PUNCT
fsr-3860	8	10	the	the	DET
fsr-3860	8	11	credit	credit	NOUN
fsr-3860	8	12	union	union	NOUN
fsr-3860	8	13	membership	membership	NOUN
fsr-3860	8	14	access	access	PROPN
fsr-3860	8	15	act	act	PROPN
fsr-3860	8	16	was	be	AUX
fsr-3860	8	17	signed	sign	VERB
fsr-3860	8	18	into	into	ADP
fsr-3860	8	19	law	law	NOUN
fsr-3860	8	20	.	.	PUNCT
fsr-3860	9	1	its	its	PRON
fsr-3860	9	2	passage	passage	NOUN
fsr-3860	9	3	culminated	culminate	VERB
fsr-3860	9	4	a	a	DET
fsr-3860	9	5	20	20	NUM
fsr-3860	9	6	-	-	PUNCT
fsr-3860	9	7	month	month	NOUN
fsr-3860	9	8	campaign	campaign	NOUN
fsr-3860	9	9	to	to	PART
fsr-3860	9	10	guarantee	guarantee	VERB
fsr-3860	9	11	the	the	DET
fsr-3860	9	12	right	right	NOUN
fsr-3860	9	13	of	of	ADP
fsr-3860	9	14	consumers	consumer	NOUN
fsr-3860	9	15	to	to	PART
fsr-3860	9	16	select	select	VERB
fsr-3860	9	17	a	a	DET
fsr-3860	9	18	financial	financial	ADJ
fsr-3860	9	19	institution	institution	NOUN
fsr-3860	9	20	.	.	PUNCT
fsr-3860	10	1	the	the	DET
fsr-3860	10	2	more	more	ADJ
fsr-3860	10	3	than	than	ADP
fsr-3860	10	4	11,500	11,500	NUM
fsr-3860	10	5	credit	credit	NOUN
fsr-3860	10	6	unions	union	NOUN
fsr-3860	10	7	which	which	PRON
fsr-3860	10	8	serve	serve	VERB
fsr-3860	10	9	74	74	NUM
fsr-3860	10	10	million	million	NUM
fsr-3860	10	11	consumers	consumer	NOUN
fsr-3860	10	12	,	,	PUNCT
fsr-3860	10	13	have	have	VERB
fsr-3860	10	14	a	a	DET
fsr-3860	10	15	decided	decide	VERB
fsr-3860	10	16	advantage	advantage	NOUN
fsr-3860	10	17	over	over	ADP
fsr-3860	10	18	commercial	commercial	ADJ
fsr-3860	10	19	banks	bank	NOUN
fsr-3860	10	20	in	in	ADP
fsr-3860	10	21	that	that	SCONJ
fsr-3860	10	22	the	the	DET
fsr-3860	10	23	credit	credit	NOUN
fsr-3860	10	24	unions	union	NOUN
fsr-3860	10	25	enjoy	enjoy	VERB
fsr-3860	10	26	a	a	DET
fsr-3860	10	27	tax	tax	NOUN
fsr-3860	10	28	exempt	exempt	ADJ
fsr-3860	10	29	status	status	NOUN
fsr-3860	10	30	.	.	PUNCT
fsr-3860	11	1	moreover	moreover	ADV
fsr-3860	11	2	,	,	PUNCT
fsr-3860	11	3	in	in	ADP
fsr-3860	11	4	1982	1982	NUM
fsr-3860	11	5	,	,	PUNCT
fsr-3860	11	6	federal	federal	ADJ
fsr-3860	11	7	regulators	regulator	NOUN
fsr-3860	11	8	permitted	permit	VERB
fsr-3860	11	9	credit	credit	NOUN
fsr-3860	11	10	unions	union	NOUN
fsr-3860	11	11	to	to	PART
fsr-3860	11	12	expand	expand	VERB
fsr-3860	11	13	from	from	ADP
fsr-3860	11	14	a	a	DET
fsr-3860	11	15	common	common	ADJ
fsr-3860	11	16	membership	membership	NOUN
fsr-3860	11	17	of	of	ADP
fsr-3860	11	18	a	a	DET
fsr-3860	11	19	single	single	ADJ
fsr-3860	11	20	“	"	PUNCT
fsr-3860	11	21	like	like	ADJ
fsr-3860	11	22	”	"	PUNCT
fsr-3860	11	23	organization	organization	NOUN
fsr-3860	11	24	to	to	ADP
fsr-3860	11	25	that	that	PRON
fsr-3860	11	26	of	of	ADP
fsr-3860	11	27	multiple	multiple	ADJ
fsr-3860	11	28	membership	membership	NOUN
fsr-3860	11	29	groups	group	NOUN
fsr-3860	11	30	.	.	PUNCT
fsr-3860	12	1	because	because	SCONJ
fsr-3860	12	2	of	of	ADP
fsr-3860	12	3	this	this	DET
fsr-3860	12	4	recent	recent	ADJ
fsr-3860	12	5	change	change	NOUN
fsr-3860	12	6	,	,	PUNCT
fsr-3860	12	7	it	it	PRON
fsr-3860	12	8	is	be	AUX
fsr-3860	12	9	important	important	ADJ
fsr-3860	12	10	for	for	SCONJ
fsr-3860	12	11	depositors	depositor	NOUN
fsr-3860	12	12	to	to	PART
fsr-3860	12	13	understand	understand	VERB
fsr-3860	12	14	more	more	ADV
fsr-3860	12	15	fully	fully	ADV
fsr-3860	12	16	the	the	DET
fsr-3860	12	17	structure	structure	NOUN
fsr-3860	12	18	of	of	ADP
fsr-3860	12	19	the	the	DET
fsr-3860	12	20	credit	credit	NOUN
fsr-3860	12	21	union	union	NOUN
fsr-3860	12	22	industry	industry	NOUN
fsr-3860	12	23	.	.	PUNCT
fsr-3860	13	1	while	while	SCONJ
fsr-3860	13	2	admittedly	admittedly	ADV
fsr-3860	13	3	small	small	ADJ
fsr-3860	13	4	in	in	ADP
fsr-3860	13	5	comparison	comparison	NOUN
fsr-3860	13	6	to	to	ADP
fsr-3860	13	7	the	the	DET
fsr-3860	13	8	banking	banking	NOUN
fsr-3860	13	9	*	*	PUNCT
fsr-3860	13	10	corresponding	correspond	VERB
fsr-3860	13	11	author	author	NOUN
fsr-3860	13	12	.	.	PUNCT
fsr-3860	14	1	tel.:11	tel.:11	VERB
fsr-3860	14	2	-	-	PUNCT
fsr-3860	14	3	724	724	NUM
fsr-3860	14	4	-	-	PUNCT
fsr-3860	14	5	357	357	NUM
fsr-3860	14	6	-	-	SYM
fsr-3860	14	7	2465	2465	NUM
fsr-3860	14	8	;	;	PUNCT
fsr-3860	14	9	fax:11	fax:11	NOUN
fsr-3860	14	10	-	-	PUNCT
fsr-3860	14	11	724	724	NUM
fsr-3860	14	12	-	-	PUNCT
fsr-3860	14	13	357	357	NUM
fsr-3860	14	14	-	-	SYM
fsr-3860	14	15	7520	7520	NUM
fsr-3860	14	16	.	.	PUNCT
fsr-3860	15	1	e	e	X
fsr-3860	15	2	-	-	NOUN
fsr-3860	15	3	mail	mail	NOUN
fsr-3860	15	4	address:rboldin@grove.iup.edu	address:rboldin@grove.iup.edu	PROPN
fsr-3860	15	5	(	(	PUNCT
fsr-3860	15	6	r.j	r.j	PROPN
fsr-3860	15	7	.	.	PROPN
fsr-3860	15	8	boldin	boldin	PROPN
fsr-3860	15	9	)	)	PUNCT
fsr-3860	15	10	financial	financial	ADJ
fsr-3860	15	11	services	service	NOUN
fsr-3860	15	12	review	review	VERB
fsr-3860	15	13	7	7	NUM
fsr-3860	15	14	(	(	PUNCT
fsr-3860	15	15	1998	1998	NUM
fsr-3860	15	16	)	)	PUNCT
fsr-3860	16	1	207–215	207–215	NUM
fsr-3860	16	2	1057	1057	NUM
fsr-3860	16	3	-	-	SYM
fsr-3860	16	4	0810/98/$	0810/98/$	NUM
fsr-3860	16	5	–	–	PUNCT
fsr-3860	16	6	see	see	VERB
fsr-3860	16	7	front	front	ADJ
fsr-3860	16	8	matter	matter	NOUN
fsr-3860	16	9	©	©	PROPN
fsr-3860	16	10	1998	1998	NUM
fsr-3860	16	11	elsevier	elsevier	PROPN
fsr-3860	16	12	science	science	PROPN
fsr-3860	16	13	inc	inc	PROPN
fsr-3860	16	14	.	.	PUNCT
fsr-3860	17	1	all	all	DET
fsr-3860	17	2	rights	right	NOUN
fsr-3860	17	3	reserved	reserve	VERB
fsr-3860	17	4	.	.	PUNCT
fsr-3860	18	1	pii	pii	NOUN
fsr-3860	18	2	:	:	PUNCT
fsr-3860	18	3	s1057	s1057	NOUN
fsr-3860	18	4	-	-	PUNCT
fsr-3860	18	5	0810(99)00010	0810(99)00010	NOUN
fsr-3860	18	6	-	-	PUNCT
fsr-3860	18	7	4	4	NUM
fsr-3860	18	8	industry	industry	NOUN
fsr-3860	18	9	(	(	PUNCT
fsr-3860	18	10	$	$	SYM
fsr-3860	18	11	361	361	NUM
fsr-3860	18	12	billion	billion	NUM
fsr-3860	18	13	credit	credit	NOUN
fsr-3860	18	14	union	union	NOUN
fsr-3860	18	15	industry	industry	NOUN
fsr-3860	18	16	versus	versus	ADP
fsr-3860	18	17	$	$	SYM
fsr-3860	18	18	6	6	NUM
fsr-3860	18	19	trillion	trillion	NUM
fsr-3860	18	20	in	in	ADP
fsr-3860	18	21	assets	asset	NOUN
fsr-3860	18	22	held	hold	VERB
fsr-3860	18	23	by	by	ADP
fsr-3860	18	24	banks	bank	NOUN
fsr-3860	18	25	)	)	PUNCT
fsr-3860	18	26	,	,	PUNCT
fsr-3860	18	27	the	the	DET
fsr-3860	18	28	credit	credit	NOUN
fsr-3860	18	29	union	union	NOUN
fsr-3860	18	30	industry	industry	NOUN
fsr-3860	18	31	has	have	AUX
fsr-3860	18	32	become	become	VERB
fsr-3860	18	33	more	more	ADV
fsr-3860	18	34	aggressive	aggressive	ADJ
fsr-3860	18	35	in	in	ADP
fsr-3860	18	36	its	its	PRON
fsr-3860	18	37	offerings	offering	NOUN
fsr-3860	18	38	.	.	PUNCT
fsr-3860	19	1	in	in	ADP
fsr-3860	19	2	addition	addition	NOUN
fsr-3860	19	3	,	,	PUNCT
fsr-3860	19	4	the	the	DET
fsr-3860	19	5	structure	structure	NOUN
fsr-3860	19	6	of	of	ADP
fsr-3860	19	7	the	the	DET
fsr-3860	19	8	credit	credit	NOUN
fsr-3860	19	9	union	union	NOUN
fsr-3860	19	10	industry	industry	NOUN
fsr-3860	19	11	is	be	AUX
fsr-3860	19	12	unique	unique	ADJ
fsr-3860	19	13	compared	compare	VERB
fsr-3860	19	14	to	to	ADP
fsr-3860	19	15	that	that	PRON
fsr-3860	19	16	of	of	ADP
fsr-3860	19	17	the	the	DET
fsr-3860	19	18	banking	banking	NOUN
fsr-3860	19	19	industry	industry	NOUN
fsr-3860	19	20	.	.	PUNCT
fsr-3860	20	1	“	"	PUNCT
fsr-3860	20	2	natural	natural	ADJ
fsr-3860	20	3	person	person	NOUN
fsr-3860	20	4	credit	credit	NOUN
fsr-3860	20	5	unions	union	NOUN
fsr-3860	20	6	”	"	PUNCT
fsr-3860	20	7	(	(	PUNCT
fsr-3860	20	8	npcus	npcus	NOUN
fsr-3860	20	9	)	)	PUNCT
fsr-3860	20	10	,	,	PUNCT
fsr-3860	20	11	are	be	AUX
fsr-3860	20	12	tax	tax	NOUN
fsr-3860	20	13	exempt	exempt	ADJ
fsr-3860	20	14	financial	financial	ADJ
fsr-3860	20	15	cooperatives	cooperative	NOUN
fsr-3860	20	16	,	,	PUNCT
fsr-3860	20	17	whereby	whereby	SCONJ
fsr-3860	20	18	the	the	DET
fsr-3860	20	19	provider	provider	NOUN
fsr-3860	20	20	of	of	ADP
fsr-3860	20	21	inputs	input	NOUN
fsr-3860	20	22	(	(	PUNCT
fsr-3860	20	23	saver	saver	ADJ
fsr-3860	20	24	)	)	PUNCT
fsr-3860	20	25	is	be	AUX
fsr-3860	20	26	also	also	ADV
fsr-3860	20	27	the	the	DET
fsr-3860	20	28	user	user	NOUN
fsr-3860	20	29	of	of	ADP
fsr-3860	20	30	outputs	output	NOUN
fsr-3860	20	31	(	(	PUNCT
fsr-3860	20	32	borrower	borrower	NOUN
fsr-3860	20	33	)	)	PUNCT
fsr-3860	20	34	.	.	PUNCT
fsr-3860	21	1	these	these	DET
fsr-3860	21	2	financial	financial	ADJ
fsr-3860	21	3	cooperatives	cooperative	NOUN
fsr-3860	21	4	that	that	PRON
fsr-3860	21	5	serve	serve	VERB
fsr-3860	21	6	depositors	depositor	NOUN
fsr-3860	21	7	/	/	SYM
fsr-3860	21	8	shareholders	shareholder	NOUN
fsr-3860	21	9	are	be	AUX
fsr-3860	21	10	,	,	PUNCT
fsr-3860	21	11	in	in	ADP
fsr-3860	21	12	turn	turn	NOUN
fsr-3860	21	13	,	,	PUNCT
fsr-3860	21	14	served	serve	VERB
fsr-3860	21	15	by	by	ADP
fsr-3860	21	16	forty	forty	NUM
fsr-3860	21	17	corporate	corporate	ADJ
fsr-3860	21	18	credit	credit	NOUN
fsr-3860	21	19	unions	union	NOUN
fsr-3860	21	20	.	.	PUNCT
fsr-3860	22	1	the	the	DET
fsr-3860	22	2	“	"	PUNCT
fsr-3860	22	3	corporates	corporate	NOUN
fsr-3860	22	4	”	"	PUNCT
fsr-3860	22	5	themselves	themselves	PRON
fsr-3860	22	6	are	be	AUX
fsr-3860	22	7	also	also	ADV
fsr-3860	22	8	nonprofit	nonprofit	ADJ
fsr-3860	22	9	,	,	PUNCT
fsr-3860	22	10	cooperative	cooperative	ADJ
fsr-3860	22	11	institutions	institution	NOUN
fsr-3860	22	12	which	which	PRON
fsr-3860	22	13	are	be	AUX
fsr-3860	22	14	owned	own	VERB
fsr-3860	22	15	by	by	ADP
fsr-3860	22	16	,	,	PUNCT
fsr-3860	22	17	take	take	VERB
fsr-3860	22	18	deposits	deposit	NOUN
fsr-3860	22	19	from	from	ADP
fsr-3860	22	20	,	,	PUNCT
fsr-3860	22	21	and	and	CCONJ
fsr-3860	22	22	provide	provide	VERB
fsr-3860	22	23	liquidity	liquidity	NOUN
fsr-3860	22	24	,	,	PUNCT
fsr-3860	22	25	investment	investment	NOUN
fsr-3860	22	26	and	and	CCONJ
fsr-3860	22	27	payment	payment	NOUN
fsr-3860	22	28	services	service	NOUN
fsr-3860	22	29	for	for	ADP
fsr-3860	22	30	their	their	PRON
fsr-3860	22	31	member	member	NOUN
fsr-3860	22	32	npcus	npcus	NOUN
fsr-3860	22	33	.	.	PUNCT
fsr-3860	23	1	the	the	DET
fsr-3860	23	2	corporates	corporate	NOUN
fsr-3860	23	3	,	,	PUNCT
fsr-3860	23	4	in	in	ADP
fsr-3860	23	5	turn	turn	NOUN
fsr-3860	23	6	,	,	PUNCT
fsr-3860	23	7	are	be	AUX
fsr-3860	23	8	tied	tie	VERB
fsr-3860	23	9	into	into	ADP
fsr-3860	23	10	the	the	DET
fsr-3860	23	11	u.s	u.s	PROPN
fsr-3860	23	12	.	.	PROPN
fsr-3860	23	13	central	central	ADJ
fsr-3860	23	14	credit	credit	NOUN
fsr-3860	23	15	union	union	NOUN
fsr-3860	23	16	,	,	PUNCT
fsr-3860	23	17	which	which	PRON
fsr-3860	23	18	is	be	AUX
fsr-3860	23	19	itself	itself	PRON
fsr-3860	23	20	a	a	DET
fsr-3860	23	21	corporate	corporate	ADJ
fsr-3860	23	22	but	but	CCONJ
fsr-3860	23	23	also	also	ADV
fsr-3860	23	24	serves	serve	VERB
fsr-3860	23	25	as	as	ADP
fsr-3860	23	26	a	a	DET
fsr-3860	23	27	liquidity	liquidity	NOUN
fsr-3860	23	28	facility	facility	NOUN
fsr-3860	23	29	for	for	ADP
fsr-3860	23	30	other	other	ADJ
fsr-3860	23	31	corporates	corporate	NOUN
fsr-3860	23	32	.	.	PUNCT
fsr-3860	24	1	the	the	DET
fsr-3860	24	2	stability	stability	NOUN
fsr-3860	24	3	of	of	ADP
fsr-3860	24	4	the	the	DET
fsr-3860	24	5	corporates	corporate	NOUN
fsr-3860	24	6	should	should	AUX
fsr-3860	24	7	be	be	AUX
fsr-3860	24	8	important	important	ADJ
fsr-3860	24	9	to	to	ADP
fsr-3860	24	10	anyone	anyone	PRON
fsr-3860	24	11	who	who	PRON
fsr-3860	24	12	is	be	AUX
fsr-3860	24	13	a	a	DET
fsr-3860	24	14	member	member	NOUN
fsr-3860	24	15	and/or	and/or	CCONJ
fsr-3860	24	16	depositor	depositor	NOUN
fsr-3860	24	17	of	of	ADP
fsr-3860	24	18	an	an	DET
fsr-3860	24	19	npcu	npcu	PROPN
fsr-3860	24	20	.	.	PUNCT
fsr-3860	25	1	as	as	ADP
fsr-3860	25	2	depositors	depositor	NOUN
fsr-3860	25	3	/	/	SYM
fsr-3860	25	4	shareholders	shareholder	NOUN
fsr-3860	25	5	,	,	PUNCT
fsr-3860	25	6	npcu	npcu	PROPN
fsr-3860	25	7	members	member	NOUN
fsr-3860	25	8	need	need	VERB
fsr-3860	25	9	to	to	PART
fsr-3860	25	10	be	be	AUX
fsr-3860	25	11	aware	aware	ADJ
fsr-3860	25	12	of	of	ADP
fsr-3860	25	13	the	the	DET
fsr-3860	25	14	interdependence	interdependence	NOUN
fsr-3860	25	15	between	between	ADP
fsr-3860	25	16	npcus	npcus	NOUN
fsr-3860	25	17	and	and	CCONJ
fsr-3860	25	18	the	the	DET
fsr-3860	25	19	corporates	corporate	NOUN
fsr-3860	25	20	,	,	PUNCT
fsr-3860	25	21	and	and	CCONJ
fsr-3860	25	22	consequently	consequently	ADV
fsr-3860	25	23	of	of	ADP
fsr-3860	25	24	the	the	DET
fsr-3860	25	25	soundness	soundness	NOUN
fsr-3860	25	26	of	of	ADP
fsr-3860	25	27	the	the	DET
fsr-3860	25	28	corporates	corporate	NOUN
fsr-3860	25	29	.	.	PUNCT
fsr-3860	26	1	thus	thus	ADV
fsr-3860	26	2	,	,	PUNCT
fsr-3860	26	3	the	the	DET
fsr-3860	26	4	purpose	purpose	NOUN
fsr-3860	26	5	of	of	ADP
fsr-3860	26	6	this	this	DET
fsr-3860	26	7	research	research	NOUN
fsr-3860	26	8	is	be	AUX
fsr-3860	26	9	to	to	PART
fsr-3860	26	10	examine	examine	VERB
fsr-3860	26	11	the	the	DET
fsr-3860	26	12	level	level	NOUN
fsr-3860	26	13	of	of	ADP
fsr-3860	26	14	exposure	exposure	NOUN
fsr-3860	26	15	that	that	SCONJ
fsr-3860	26	16	corporate	corporate	ADJ
fsr-3860	26	17	credit	credit	NOUN
fsr-3860	26	18	unions	union	NOUN
fsr-3860	26	19	pose	pose	VERB
fsr-3860	26	20	due	due	ADJ
fsr-3860	26	21	to	to	ADP
fsr-3860	26	22	the	the	DET
fsr-3860	26	23	structure	structure	NOUN
fsr-3860	26	24	of	of	ADP
fsr-3860	26	25	the	the	DET
fsr-3860	26	26	credit	credit	NOUN
fsr-3860	26	27	union	union	NOUN
fsr-3860	26	28	industry	industry	NOUN
fsr-3860	26	29	,	,	PUNCT
fsr-3860	26	30	and	and	CCONJ
fsr-3860	26	31	to	to	PART
fsr-3860	26	32	examine	examine	VERB
fsr-3860	26	33	the	the	DET
fsr-3860	26	34	implications	implication	NOUN
fsr-3860	26	35	for	for	ADP
fsr-3860	26	36	corporate	corporate	ADJ
fsr-3860	26	37	credit	credit	NOUN
fsr-3860	26	38	union	union	NOUN
fsr-3860	26	39	capital	capital	NOUN
fsr-3860	26	40	standards	standard	NOUN
fsr-3860	26	41	.	.	PUNCT
fsr-3860	27	1	section	section	NOUN
fsr-3860	27	2	2	2	NUM
fsr-3860	27	3	provides	provide	VERB
fsr-3860	27	4	additional	additional	ADJ
fsr-3860	27	5	background	background	NOUN
fsr-3860	27	6	material	material	NOUN
fsr-3860	27	7	and	and	CCONJ
fsr-3860	27	8	a	a	DET
fsr-3860	27	9	review	review	NOUN
fsr-3860	27	10	of	of	ADP
fsr-3860	27	11	the	the	DET
fsr-3860	27	12	literature	literature	NOUN
fsr-3860	27	13	.	.	PUNCT
fsr-3860	28	1	section	section	NOUN
fsr-3860	28	2	3	3	NUM
fsr-3860	28	3	presents	present	VERB
fsr-3860	28	4	data	datum	NOUN
fsr-3860	28	5	regarding	regard	VERB
fsr-3860	28	6	corporate	corporate	ADJ
fsr-3860	28	7	credit	credit	NOUN
fsr-3860	28	8	union	union	NOUN
fsr-3860	28	9	capital	capital	NOUN
fsr-3860	28	10	.	.	PUNCT
fsr-3860	29	1	section	section	NOUN
fsr-3860	29	2	4	4	NUM
fsr-3860	29	3	reviews	review	VERB
fsr-3860	29	4	corporate	corporate	ADJ
fsr-3860	29	5	credit	credit	NOUN
fsr-3860	29	6	union	union	NOUN
fsr-3860	29	7	investment	investment	NOUN
fsr-3860	29	8	practices	practice	NOUN
fsr-3860	29	9	.	.	PUNCT
fsr-3860	30	1	section	section	NOUN
fsr-3860	30	2	5	5	NUM
fsr-3860	30	3	describes	describe	VERB
fsr-3860	30	4	the	the	DET
fsr-3860	30	5	potential	potential	ADJ
fsr-3860	30	6	exposure	exposure	NOUN
fsr-3860	30	7	.	.	PUNCT
fsr-3860	31	1	the	the	DET
fsr-3860	31	2	last	last	ADJ
fsr-3860	31	3	section	section	NOUN
fsr-3860	31	4	discusses	discuss	VERB
fsr-3860	31	5	the	the	DET
fsr-3860	31	6	conclusions	conclusion	NOUN
fsr-3860	31	7	.	.	PUNCT
fsr-3860	32	1	2	2	X
fsr-3860	32	2	.	.	X
fsr-3860	32	3	background	background	NOUN
fsr-3860	32	4	and	and	CCONJ
fsr-3860	32	5	literature	literature	PROPN
fsr-3860	32	6	review	review	VERB
fsr-3860	32	7	the	the	DET
fsr-3860	32	8	credit	credit	NOUN
fsr-3860	32	9	union	union	NOUN
fsr-3860	32	10	industry	industry	NOUN
fsr-3860	32	11	is	be	AUX
fsr-3860	32	12	hierarchically	hierarchically	ADV
fsr-3860	32	13	structured	structure	VERB
fsr-3860	32	14	.	.	PUNCT
fsr-3860	33	1	at	at	ADP
fsr-3860	33	2	the	the	DET
fsr-3860	33	3	base	base	NOUN
fsr-3860	33	4	of	of	ADP
fsr-3860	33	5	the	the	DET
fsr-3860	33	6	system	system	NOUN
fsr-3860	33	7	is	be	AUX
fsr-3860	33	8	approximately	approximately	ADV
fsr-3860	33	9	11,500	11,500	NUM
fsr-3860	33	10	npcus	npcus	NOUN
fsr-3860	33	11	.	.	PUNCT
fsr-3860	34	1	the	the	DET
fsr-3860	34	2	npcus	npcus	NOUN
fsr-3860	34	3	comprise	comprise	VERB
fsr-3860	34	4	the	the	DET
fsr-3860	34	5	membership	membership	NOUN
fsr-3860	34	6	of	of	ADP
fsr-3860	34	7	the	the	DET
fsr-3860	34	8	middle	middle	ADJ
fsr-3860	34	9	tier	tier	NOUN
fsr-3860	34	10	,	,	PUNCT
fsr-3860	34	11	that	that	ADV
fsr-3860	34	12	is	is	ADV
fsr-3860	34	13	,	,	PUNCT
fsr-3860	34	14	forty	forty	NUM
fsr-3860	34	15	corporate	corporate	ADJ
fsr-3860	34	16	credit	credit	NOUN
fsr-3860	34	17	unions	union	NOUN
fsr-3860	34	18	which	which	PRON
fsr-3860	34	19	are	be	AUX
fsr-3860	34	20	geographically	geographically	ADV
fsr-3860	34	21	dispersed	disperse	VERB
fsr-3860	34	22	throughout	throughout	ADP
fsr-3860	34	23	the	the	DET
fsr-3860	34	24	united	united	PROPN
fsr-3860	34	25	states	states	PROPN
fsr-3860	34	26	.	.	PUNCT
fsr-3860	35	1	the	the	DET
fsr-3860	35	2	corporate	corporate	ADJ
fsr-3860	35	3	credit	credit	NOUN
fsr-3860	35	4	unions	union	NOUN
fsr-3860	35	5	define	define	VERB
fsr-3860	35	6	the	the	DET
fsr-3860	35	7	membership	membership	NOUN
fsr-3860	35	8	of	of	ADP
fsr-3860	35	9	u.s	u.s	PROPN
fsr-3860	35	10	.	.	PROPN
fsr-3860	35	11	central	central	ADJ
fsr-3860	35	12	credit	credit	NOUN
fsr-3860	35	13	union	union	NOUN
fsr-3860	35	14	,	,	PUNCT
fsr-3860	35	15	which	which	PRON
fsr-3860	35	16	sits	sit	VERB
fsr-3860	35	17	atop	atop	ADP
fsr-3860	35	18	the	the	DET
fsr-3860	35	19	structure	structure	NOUN
fsr-3860	35	20	.	.	PUNCT
fsr-3860	36	1	npcus	npcus	PROPN
fsr-3860	36	2	invest	invest	VERB
fsr-3860	36	3	their	their	PRON
fsr-3860	36	4	surplus	surplus	ADJ
fsr-3860	36	5	loanable	loanable	ADJ
fsr-3860	36	6	funds	fund	NOUN
fsr-3860	36	7	in	in	ADP
fsr-3860	36	8	their	their	PRON
fsr-3860	36	9	regional	regional	ADJ
fsr-3860	36	10	corporate	corporate	ADJ
fsr-3860	36	11	credit	credit	NOUN
fsr-3860	36	12	union	union	NOUN
fsr-3860	36	13	as	as	ADP
fsr-3860	36	14	either	either	DET
fsr-3860	36	15	deposits	deposit	NOUN
fsr-3860	36	16	or	or	CCONJ
fsr-3860	36	17	membership	membership	NOUN
fsr-3860	36	18	capital	capital	NOUN
fsr-3860	36	19	share	share	NOUN
fsr-3860	36	20	accounts	account	NOUN
fsr-3860	36	21	.	.	PUNCT
fsr-3860	37	1	the	the	DET
fsr-3860	37	2	regional	regional	ADJ
fsr-3860	37	3	corporates	corporate	NOUN
fsr-3860	37	4	then	then	ADV
fsr-3860	37	5	invest	invest	VERB
fsr-3860	37	6	surplus	surplus	ADJ
fsr-3860	37	7	funds	fund	NOUN
fsr-3860	37	8	in	in	ADP
fsr-3860	37	9	u.s	u.s	PROPN
fsr-3860	37	10	.	.	PROPN
fsr-3860	37	11	central	central	ADJ
fsr-3860	37	12	credit	credit	NOUN
fsr-3860	37	13	union	union	NOUN
fsr-3860	37	14	,	,	PUNCT
fsr-3860	37	15	which	which	PRON
fsr-3860	37	16	invests	invest	VERB
fsr-3860	37	17	in	in	ADP
fsr-3860	37	18	liquid	liquid	ADJ
fsr-3860	37	19	financial	financial	ADJ
fsr-3860	37	20	instruments	instrument	NOUN
fsr-3860	37	21	.	.	PUNCT
fsr-3860	38	1	each	each	DET
fsr-3860	38	2	group	group	NOUN
fsr-3860	38	3	is	be	AUX
fsr-3860	38	4	heavily	heavily	ADV
fsr-3860	38	5	invested	invest	VERB
fsr-3860	38	6	in	in	ADP
fsr-3860	38	7	the	the	DET
fsr-3860	38	8	level	level	NOUN
fsr-3860	38	9	above	above	ADP
fsr-3860	38	10	it	it	PRON
fsr-3860	38	11	.	.	PUNCT
fsr-3860	39	1	at	at	ADP
fsr-3860	39	2	the	the	DET
fsr-3860	39	3	end	end	NOUN
fsr-3860	39	4	of	of	ADP
fsr-3860	39	5	1996	1996	NUM
fsr-3860	39	6	,	,	PUNCT
fsr-3860	39	7	corporates	corporate	NOUN
fsr-3860	39	8	had	have	VERB
fsr-3860	39	9	half	half	NOUN
fsr-3860	39	10	of	of	ADP
fsr-3860	39	11	their	their	PRON
fsr-3860	39	12	total	total	ADJ
fsr-3860	39	13	investments	investment	NOUN
fsr-3860	39	14	or	or	CCONJ
fsr-3860	39	15	$	$	SYM
fsr-3860	39	16	13.6	13.6	NUM
fsr-3860	39	17	billion	billion	NUM
fsr-3860	39	18	invested	invest	VERB
fsr-3860	39	19	in	in	ADP
fsr-3860	39	20	u.s	u.s	PROPN
fsr-3860	39	21	.	.	PROPN
fsr-3860	39	22	central	central	PROPN
fsr-3860	39	23	.	.	PUNCT
fsr-3860	40	1	in	in	ADP
fsr-3860	40	2	turn	turn	NOUN
fsr-3860	40	3	,	,	PUNCT
fsr-3860	40	4	the	the	DET
fsr-3860	40	5	npcus	npcus	NOUN
fsr-3860	40	6	had	have	VERB
fsr-3860	40	7	$	$	SYM
fsr-3860	40	8	23.2	23.2	NUM
fsr-3860	40	9	billion	billion	NUM
fsr-3860	40	10	invested	invest	VERB
fsr-3860	40	11	in	in	ADP
fsr-3860	40	12	the	the	DET
fsr-3860	40	13	corporates	corporate	NOUN
fsr-3860	40	14	.	.	PUNCT
fsr-3860	41	1	the	the	DET
fsr-3860	41	2	typical	typical	PROPN
fsr-3860	41	3	npcu	npcu	PROPN
fsr-3860	41	4	had	have	VERB
fsr-3860	41	5	42.5	42.5	NUM
fsr-3860	41	6	percent	percent	NOUN
fsr-3860	41	7	of	of	ADP
fsr-3860	41	8	its	its	PRON
fsr-3860	41	9	investment	investment	NOUN
fsr-3860	41	10	portfolio	portfolio	NOUN
fsr-3860	41	11	in	in	ADP
fsr-3860	41	12	corporates	corporate	NOUN
fsr-3860	41	13	,	,	PUNCT
fsr-3860	41	14	amounting	amount	VERB
fsr-3860	41	15	to	to	ADP
fsr-3860	41	16	75	75	NUM
fsr-3860	41	17	percent	percent	NOUN
fsr-3860	41	18	of	of	ADP
fsr-3860	41	19	its	its	PRON
fsr-3860	41	20	capital	capital	NOUN
fsr-3860	41	21	.	.	PUNCT
fsr-3860	42	1	the	the	DET
fsr-3860	42	2	average	average	ADJ
fsr-3860	42	3	investment	investment	NOUN
fsr-3860	42	4	percentage	percentage	NOUN
fsr-3860	42	5	is	be	AUX
fsr-3860	42	6	higher	high	ADJ
fsr-3860	42	7	for	for	ADP
fsr-3860	42	8	smaller	small	ADJ
fsr-3860	42	9	institutions	institution	NOUN
fsr-3860	42	10	(	(	PUNCT
fsr-3860	42	11	national	national	ADJ
fsr-3860	42	12	credit	credit	PROPN
fsr-3860	42	13	union	union	PROPN
fsr-3860	42	14	administration	administration	NOUN
fsr-3860	42	15	,	,	PUNCT
fsr-3860	42	16	1996	1996	NUM
fsr-3860	42	17	;	;	PUNCT
fsr-3860	42	18	u.s	u.s	PROPN
fsr-3860	42	19	.	.	PROPN
fsr-3860	42	20	department	department	PROPN
fsr-3860	42	21	of	of	ADP
fsr-3860	42	22	the	the	DET
fsr-3860	42	23	treasury	treasury	NOUN
fsr-3860	42	24	,	,	PUNCT
fsr-3860	42	25	1997	1997	NUM
fsr-3860	42	26	)	)	PUNCT
fsr-3860	42	27	.	.	PUNCT
fsr-3860	43	1	this	this	DET
fsr-3860	43	2	type	type	NOUN
fsr-3860	43	3	of	of	ADP
fsr-3860	43	4	structure	structure	NOUN
fsr-3860	43	5	,	,	PUNCT
fsr-3860	43	6	where	where	SCONJ
fsr-3860	43	7	one	one	NUM
fsr-3860	43	8	group	group	NOUN
fsr-3860	43	9	is	be	AUX
fsr-3860	43	10	heavily	heavily	ADV
fsr-3860	43	11	invested	invest	VERB
fsr-3860	43	12	in	in	ADP
fsr-3860	43	13	the	the	DET
fsr-3860	43	14	level	level	NOUN
fsr-3860	43	15	above	above	ADP
fsr-3860	43	16	it	it	PRON
fsr-3860	43	17	,	,	PUNCT
fsr-3860	43	18	involves	involve	VERB
fsr-3860	43	19	a	a	DET
fsr-3860	43	20	significant	significant	ADJ
fsr-3860	43	21	potential	potential	ADJ
fsr-3860	43	22	exposure	exposure	NOUN
fsr-3860	43	23	for	for	ADP
fsr-3860	43	24	the	the	DET
fsr-3860	43	25	npcus	npcus	NOUN
fsr-3860	43	26	.	.	PUNCT
fsr-3860	44	1	as	as	SCONJ
fsr-3860	44	2	noted	note	VERB
fsr-3860	44	3	by	by	ADP
fsr-3860	44	4	carnell	carnell	PROPN
fsr-3860	44	5	(	(	PUNCT
fsr-3860	44	6	1997	1997	NUM
fsr-3860	44	7	)	)	PUNCT
fsr-3860	44	8	,	,	PUNCT
fsr-3860	44	9	both	both	CCONJ
fsr-3860	44	10	capital	capital	NOUN
fsr-3860	44	11	and	and	CCONJ
fsr-3860	44	12	liquidity	liquidity	NOUN
fsr-3860	44	13	are	be	AUX
fsr-3860	44	14	exposed	expose	VERB
fsr-3860	44	15	;	;	PUNCT
fsr-3860	44	16	if	if	SCONJ
fsr-3860	44	17	a	a	DET
fsr-3860	44	18	corporate	corporate	ADJ
fsr-3860	44	19	suffers	suffer	NOUN
fsr-3860	44	20	losses	loss	NOUN
fsr-3860	44	21	on	on	ADP
fsr-3860	44	22	its	its	PRON
fsr-3860	44	23	investment	investment	NOUN
fsr-3860	44	24	portfolio	portfolio	NOUN
fsr-3860	44	25	,	,	PUNCT
fsr-3860	44	26	and	and	CCONJ
fsr-3860	44	27	if	if	SCONJ
fsr-3860	44	28	these	these	DET
fsr-3860	44	29	losses	loss	NOUN
fsr-3860	44	30	exceed	exceed	VERB
fsr-3860	44	31	the	the	DET
fsr-3860	44	32	amount	amount	NOUN
fsr-3860	44	33	of	of	ADP
fsr-3860	44	34	its	its	PRON
fsr-3860	44	35	capital	capital	NOUN
fsr-3860	44	36	,	,	PUNCT
fsr-3860	44	37	then	then	ADV
fsr-3860	44	38	member	member	NOUN
fsr-3860	44	39	institutions	institution	NOUN
fsr-3860	44	40	must	must	AUX
fsr-3860	44	41	write	write	VERB
fsr-3860	44	42	-	-	PUNCT
fsr-3860	44	43	down	down	ADP
fsr-3860	44	44	their	their	PRON
fsr-3860	44	45	investments	investment	NOUN
fsr-3860	44	46	in	in	ADP
fsr-3860	44	47	the	the	DET
fsr-3860	44	48	corporate	corporate	NOUN
fsr-3860	44	49	.	.	PUNCT
fsr-3860	45	1	and	and	CCONJ
fsr-3860	45	2	,	,	PUNCT
fsr-3860	45	3	if	if	SCONJ
fsr-3860	45	4	a	a	DET
fsr-3860	45	5	corporate	corporate	ADJ
fsr-3860	45	6	’s	’s	PART
fsr-3860	45	7	capital	capital	NOUN
fsr-3860	45	8	is	be	AUX
fsr-3860	45	9	impaired	impair	VERB
fsr-3860	45	10	by	by	ADP
fsr-3860	45	11	investment	investment	NOUN
fsr-3860	45	12	losses	loss	NOUN
fsr-3860	45	13	,	,	PUNCT
fsr-3860	45	14	then	then	ADV
fsr-3860	45	15	it	it	PRON
fsr-3860	45	16	will	will	AUX
fsr-3860	45	17	have	have	VERB
fsr-3860	45	18	more	more	ADJ
fsr-3860	45	19	difficulty	difficulty	NOUN
fsr-3860	45	20	raising	raise	VERB
fsr-3860	45	21	funds	fund	NOUN
fsr-3860	45	22	to	to	PART
fsr-3860	45	23	satisfy	satisfy	VERB
fsr-3860	45	24	members	member	NOUN
fsr-3860	45	25	’	'	PUNCT
fsr-3860	45	26	liquidity	liquidity	NOUN
fsr-3860	45	27	needs	need	NOUN
fsr-3860	45	28	.	.	PUNCT
fsr-3860	46	1	in	in	ADP
fsr-3860	46	2	early	early	ADJ
fsr-3860	46	3	1995	1995	NUM
fsr-3860	46	4	,	,	PUNCT
fsr-3860	46	5	events	event	NOUN
fsr-3860	46	6	raised	raise	VERB
fsr-3860	46	7	concerns	concern	NOUN
fsr-3860	46	8	about	about	ADP
fsr-3860	46	9	the	the	DET
fsr-3860	46	10	health	health	NOUN
fsr-3860	46	11	of	of	ADP
fsr-3860	46	12	the	the	DET
fsr-3860	46	13	corporates	corporate	NOUN
fsr-3860	46	14	.	.	PUNCT
fsr-3860	47	1	when	when	SCONJ
fsr-3860	47	2	short	short	ADJ
fsr-3860	47	3	-	-	PUNCT
fsr-3860	47	4	term	term	NOUN
fsr-3860	47	5	208	208	NUM
fsr-3860	47	6	r.j	r.j	AUX
fsr-3860	47	7	.	.	PROPN
fsr-3860	47	8	boldin	boldin	PROPN
fsr-3860	47	9	et	et	PROPN
fsr-3860	47	10	al	al	PROPN
fsr-3860	47	11	.	.	PUNCT
fsr-3860	47	12	/	/	SYM
fsr-3860	47	13	financial	financial	ADJ
fsr-3860	47	14	services	service	NOUN
fsr-3860	47	15	review	review	VERB
fsr-3860	47	16	7	7	NUM
fsr-3860	47	17	(	(	PUNCT
fsr-3860	47	18	1998	1998	NUM
fsr-3860	47	19	)	)	PUNCT
fsr-3860	48	1	207–215	207–215	NUM
fsr-3860	48	2	interest	interest	NOUN
fsr-3860	48	3	rates	rate	NOUN
fsr-3860	48	4	rose	rise	VERB
fsr-3860	48	5	significantly	significantly	ADV
fsr-3860	48	6	throughout	throughout	ADP
fsr-3860	48	7	1994	1994	NUM
fsr-3860	48	8	and	and	CCONJ
fsr-3860	48	9	early	early	ADJ
fsr-3860	48	10	1995	1995	NUM
fsr-3860	48	11	,	,	PUNCT
fsr-3860	48	12	almost	almost	ADV
fsr-3860	48	13	all	all	PRON
fsr-3860	48	14	of	of	ADP
fsr-3860	48	15	the	the	DET
fsr-3860	48	16	corporates	corporate	NOUN
fsr-3860	48	17	suffered	suffer	VERB
fsr-3860	48	18	investment	investment	NOUN
fsr-3860	48	19	losses	loss	NOUN
fsr-3860	48	20	.	.	PUNCT
fsr-3860	49	1	the	the	DET
fsr-3860	49	2	u.s	u.s	PROPN
fsr-3860	49	3	.	.	PROPN
fsr-3860	49	4	general	general	ADJ
fsr-3860	49	5	accounting	accounting	PROPN
fsr-3860	49	6	office	office	PROPN
fsr-3860	49	7	(	(	PUNCT
fsr-3860	49	8	1995a	1995a	NUM
fsr-3860	49	9	)	)	PUNCT
fsr-3860	49	10	estimated	estimate	VERB
fsr-3860	49	11	that	that	SCONJ
fsr-3860	49	12	corporates	corporate	NOUN
fsr-3860	49	13	,	,	PUNCT
fsr-3860	49	14	in	in	ADP
fsr-3860	49	15	aggregate	aggregate	ADJ
fsr-3860	49	16	,	,	PUNCT
fsr-3860	49	17	had	have	VERB
fsr-3860	49	18	$	$	SYM
fsr-3860	49	19	600	600	NUM
fsr-3860	49	20	million	million	NUM
fsr-3860	49	21	in	in	ADP
fsr-3860	49	22	unrealized	unrealized	ADJ
fsr-3860	49	23	investment	investment	NOUN
fsr-3860	49	24	losses	loss	NOUN
fsr-3860	49	25	or	or	CCONJ
fsr-3860	49	26	62	62	NUM
fsr-3860	49	27	%	%	NOUN
fsr-3860	49	28	of	of	ADP
fsr-3860	49	29	the	the	DET
fsr-3860	49	30	aggregate	aggregate	ADJ
fsr-3860	49	31	capital	capital	NOUN
fsr-3860	49	32	base	base	NOUN
fsr-3860	49	33	.	.	PUNCT
fsr-3860	50	1	according	accord	VERB
fsr-3860	50	2	to	to	ADP
fsr-3860	50	3	tolen	tolen	ADJ
fsr-3860	50	4	information	information	NOUN
fsr-3860	50	5	services	service	NOUN
fsr-3860	50	6	,	,	PUNCT
fsr-3860	50	7	five	five	NUM
fsr-3860	50	8	corporates	corporate	NOUN
fsr-3860	50	9	became	become	VERB
fsr-3860	50	10	market	market	NOUN
fsr-3860	50	11	value	value	NOUN
fsr-3860	50	12	insolvent	insolvent	NOUN
fsr-3860	50	13	.	.	PUNCT
fsr-3860	51	1	two	two	NUM
fsr-3860	51	2	failed	fail	VERB
fsr-3860	51	3	as	as	ADP
fsr-3860	51	4	a	a	DET
fsr-3860	51	5	result	result	NOUN
fsr-3860	51	6	of	of	ADP
fsr-3860	51	7	these	these	DET
fsr-3860	51	8	losses	loss	NOUN
fsr-3860	51	9	:	:	PUNCT
fsr-3860	51	10	federation	federation	PROPN
fsr-3860	51	11	de	de	PROPN
fsr-3860	51	12	coop	coop	PROPN
fsr-3860	51	13	credit	credit	NOUN
fsr-3860	51	14	union	union	NOUN
fsr-3860	51	15	,	,	PUNCT
fsr-3860	51	16	puerto	puerto	PROPN
fsr-3860	51	17	rico	rico	PROPN
fsr-3860	51	18	,	,	PUNCT
fsr-3860	51	19	september	september	PROPN
fsr-3860	51	20	1994	1994	NUM
fsr-3860	51	21	and	and	CCONJ
fsr-3860	51	22	capital	capital	NOUN
fsr-3860	51	23	corporate	corporate	ADJ
fsr-3860	51	24	federal	federal	ADJ
fsr-3860	51	25	credit	credit	NOUN
fsr-3860	51	26	union	union	NOUN
fsr-3860	51	27	,	,	PUNCT
fsr-3860	51	28	lanham	lanham	PROPN
fsr-3860	51	29	,	,	PUNCT
fsr-3860	51	30	md	md	PROPN
fsr-3860	51	31	,	,	PUNCT
fsr-3860	51	32	january	january	PROPN
fsr-3860	51	33	1995	1995	NUM
fsr-3860	51	34	.	.	PUNCT
fsr-3860	52	1	the	the	DET
fsr-3860	52	2	corporate	corporate	ADJ
fsr-3860	52	3	credit	credit	NOUN
fsr-3860	52	4	union	union	NOUN
fsr-3860	52	5	network	network	NOUN
fsr-3860	52	6	is	be	AUX
fsr-3860	52	7	subjected	subject	VERB
fsr-3860	52	8	to	to	ADP
fsr-3860	52	9	increasing	increase	VERB
fsr-3860	52	10	levels	level	NOUN
fsr-3860	52	11	of	of	ADP
fsr-3860	52	12	competitive	competitive	ADJ
fsr-3860	52	13	stress	stress	NOUN
fsr-3860	52	14	.	.	PUNCT
fsr-3860	53	1	in	in	ADP
fsr-3860	53	2	recent	recent	ADJ
fsr-3860	53	3	years	year	NOUN
fsr-3860	53	4	,	,	PUNCT
fsr-3860	53	5	according	accord	VERB
fsr-3860	53	6	to	to	ADP
fsr-3860	53	7	black	black	PROPN
fsr-3860	53	8	et	et	PROPN
fsr-3860	53	9	al	al	PROPN
fsr-3860	53	10	.	.	PROPN
fsr-3860	53	11	(	(	PUNCT
fsr-3860	53	12	1994	1994	NUM
fsr-3860	53	13	)	)	PUNCT
fsr-3860	53	14	,	,	PUNCT
fsr-3860	53	15	a	a	DET
fsr-3860	53	16	growing	grow	VERB
fsr-3860	53	17	number	number	NOUN
fsr-3860	53	18	of	of	ADP
fsr-3860	53	19	npcus	npcus	NOUN
fsr-3860	53	20	and	and	CCONJ
fsr-3860	53	21	even	even	ADV
fsr-3860	53	22	regional	regional	ADJ
fsr-3860	53	23	corporates	corporate	NOUN
fsr-3860	53	24	have	have	AUX
fsr-3860	53	25	elected	elect	VERB
fsr-3860	53	26	to	to	PART
fsr-3860	53	27	invest	invest	VERB
fsr-3860	53	28	directly	directly	ADV
fsr-3860	53	29	in	in	ADP
fsr-3860	53	30	the	the	DET
fsr-3860	53	31	market	market	NOUN
fsr-3860	53	32	instead	instead	ADV
fsr-3860	53	33	of	of	ADP
fsr-3860	53	34	in	in	ADP
fsr-3860	53	35	their	their	PRON
fsr-3860	53	36	corporate	corporate	ADJ
fsr-3860	53	37	credit	credit	NOUN
fsr-3860	53	38	unions	union	NOUN
fsr-3860	53	39	.	.	PUNCT
fsr-3860	54	1	this	this	DET
fsr-3860	54	2	disintermediation	disintermediation	NOUN
fsr-3860	54	3	particularly	particularly	ADV
fsr-3860	54	4	affected	affect	VERB
fsr-3860	54	5	the	the	DET
fsr-3860	54	6	largest	large	ADJ
fsr-3860	54	7	corporate	corporate	ADJ
fsr-3860	54	8	,	,	PUNCT
fsr-3860	54	9	u.s	u.s	PROPN
fsr-3860	54	10	.	.	PROPN
fsr-3860	54	11	central	central	ADJ
fsr-3860	54	12	credit	credit	NOUN
fsr-3860	54	13	union	union	NOUN
fsr-3860	54	14	,	,	PUNCT
fsr-3860	54	15	which	which	PRON
fsr-3860	54	16	has	have	AUX
fsr-3860	54	17	shrunk	shrink	VERB
fsr-3860	54	18	at	at	ADP
fsr-3860	54	19	an	an	DET
fsr-3860	54	20	eight	eight	NUM
fsr-3860	54	21	percent	percent	NOUN
fsr-3860	54	22	annual	annual	ADJ
fsr-3860	54	23	rate	rate	NOUN
fsr-3860	54	24	since	since	SCONJ
fsr-3860	54	25	1991	1991	NUM
fsr-3860	54	26	.	.	PUNCT
fsr-3860	55	1	the	the	DET
fsr-3860	55	2	u.s	u.s	PROPN
fsr-3860	55	3	.	.	PROPN
fsr-3860	55	4	general	general	ADJ
fsr-3860	55	5	accounting	accounting	PROPN
fsr-3860	55	6	office	office	PROPN
fsr-3860	55	7	(	(	PUNCT
fsr-3860	55	8	1994	1994	NUM
fsr-3860	55	9	)	)	PUNCT
fsr-3860	55	10	reported	report	VERB
fsr-3860	55	11	that	that	SCONJ
fsr-3860	55	12	the	the	DET
fsr-3860	55	13	u.s	u.s	PROPN
fsr-3860	55	14	.	.	PROPN
fsr-3860	55	15	central	central	ADJ
fsr-3860	55	16	credit	credit	NOUN
fsr-3860	55	17	union	union	NOUN
fsr-3860	55	18	suffered	suffer	VERB
fsr-3860	55	19	a	a	DET
fsr-3860	55	20	28	28	NUM
fsr-3860	55	21	%	%	NOUN
fsr-3860	55	22	run	run	NOUN
fsr-3860	55	23	-	-	PUNCT
fsr-3860	55	24	off	off	NOUN
fsr-3860	55	25	of	of	ADP
fsr-3860	55	26	assets	asset	NOUN
fsr-3860	55	27	between	between	ADP
fsr-3860	55	28	year	year	NOUN
fsr-3860	55	29	-	-	PUNCT
fsr-3860	55	30	end	end	NOUN
fsr-3860	55	31	1993	1993	NUM
fsr-3860	55	32	and	and	CCONJ
fsr-3860	55	33	june	june	PROPN
fsr-3860	55	34	30	30	NUM
fsr-3860	55	35	,	,	PUNCT
fsr-3860	55	36	1994	1994	NUM
fsr-3860	55	37	.	.	PUNCT
fsr-3860	56	1	recent	recent	ADJ
fsr-3860	56	2	mergers	merger	NOUN
fsr-3860	56	3	among	among	ADP
fsr-3860	56	4	several	several	ADJ
fsr-3860	56	5	corporates	corporate	NOUN
fsr-3860	56	6	came	come	VERB
fsr-3860	56	7	about	about	ADV
fsr-3860	56	8	in	in	ADP
fsr-3860	56	9	reaction	reaction	NOUN
fsr-3860	56	10	to	to	ADP
fsr-3860	56	11	these	these	DET
fsr-3860	56	12	competitive	competitive	ADJ
fsr-3860	56	13	pressures	pressure	NOUN
fsr-3860	56	14	.	.	PUNCT
fsr-3860	57	1	it	it	PRON
fsr-3860	57	2	is	be	AUX
fsr-3860	57	3	likely	likely	ADJ
fsr-3860	57	4	this	this	DET
fsr-3860	57	5	pattern	pattern	NOUN
fsr-3860	57	6	will	will	AUX
fsr-3860	57	7	continue	continue	VERB
fsr-3860	57	8	to	to	PART
fsr-3860	57	9	follow	follow	VERB
fsr-3860	57	10	that	that	PRON
fsr-3860	57	11	of	of	ADP
fsr-3860	57	12	the	the	DET
fsr-3860	57	13	banking	banking	NOUN
fsr-3860	57	14	sector	sector	NOUN
fsr-3860	57	15	as	as	SCONJ
fsr-3860	57	16	outlined	outline	VERB
fsr-3860	57	17	by	by	ADP
fsr-3860	57	18	winton	winton	PROPN
fsr-3860	57	19	(	(	PUNCT
fsr-3860	57	20	1997	1997	NUM
fsr-3860	57	21	)	)	PUNCT
fsr-3860	57	22	and	and	CCONJ
fsr-3860	57	23	houston	houston	PROPN
fsr-3860	57	24	and	and	CCONJ
fsr-3860	57	25	ryngaert	ryngaert	PROPN
fsr-3860	57	26	(	(	PUNCT
fsr-3860	57	27	1994	1994	NUM
fsr-3860	57	28	)	)	PUNCT
fsr-3860	57	29	.	.	PUNCT
fsr-3860	58	1	as	as	ADP
fsr-3860	58	2	the	the	DET
fsr-3860	58	3	credit	credit	NOUN
fsr-3860	58	4	union	union	NOUN
fsr-3860	58	5	industry	industry	NOUN
fsr-3860	58	6	matures	mature	NOUN
fsr-3860	58	7	,	,	PUNCT
fsr-3860	58	8	it	it	PRON
fsr-3860	58	9	is	be	AUX
fsr-3860	58	10	expected	expect	VERB
fsr-3860	58	11	that	that	SCONJ
fsr-3860	58	12	more	more	ADJ
fsr-3860	58	13	consolidation	consolidation	NOUN
fsr-3860	58	14	of	of	ADP
fsr-3860	58	15	their	their	PRON
fsr-3860	58	16	activities	activity	NOUN
fsr-3860	58	17	for	for	ADP
fsr-3860	58	18	synergistic	synergistic	ADJ
fsr-3860	58	19	and	and	CCONJ
fsr-3860	58	20	cost	cost	NOUN
fsr-3860	58	21	saving	saving	NOUN
fsr-3860	58	22	purposes	purpose	NOUN
fsr-3860	58	23	will	will	AUX
fsr-3860	58	24	occur	occur	VERB
fsr-3860	58	25	,	,	PUNCT
fsr-3860	58	26	subject	subject	ADJ
fsr-3860	58	27	to	to	ADP
fsr-3860	58	28	legal	legal	ADJ
fsr-3860	58	29	restrictions	restriction	NOUN
fsr-3860	58	30	.	.	PUNCT
fsr-3860	59	1	due	due	ADP
fsr-3860	59	2	to	to	ADP
fsr-3860	59	3	the	the	DET
fsr-3860	59	4	structure	structure	NOUN
fsr-3860	59	5	of	of	ADP
fsr-3860	59	6	the	the	DET
fsr-3860	59	7	credit	credit	NOUN
fsr-3860	59	8	union	union	NOUN
fsr-3860	59	9	industry	industry	NOUN
fsr-3860	59	10	,	,	PUNCT
fsr-3860	59	11	should	should	AUX
fsr-3860	59	12	any	any	DET
fsr-3860	59	13	instability	instability	NOUN
fsr-3860	59	14	arise	arise	VERB
fsr-3860	59	15	among	among	ADP
fsr-3860	59	16	the	the	DET
fsr-3860	59	17	corporates	corporate	NOUN
fsr-3860	59	18	,	,	PUNCT
fsr-3860	59	19	it	it	PRON
fsr-3860	59	20	could	could	AUX
fsr-3860	59	21	translate	translate	VERB
fsr-3860	59	22	into	into	ADP
fsr-3860	59	23	more	more	ADV
fsr-3860	59	24	widespread	widespread	ADJ
fsr-3860	59	25	problems	problem	NOUN
fsr-3860	59	26	for	for	ADP
fsr-3860	59	27	the	the	DET
fsr-3860	59	28	industry	industry	NOUN
fsr-3860	59	29	.	.	PUNCT
fsr-3860	60	1	this	this	DET
fsr-3860	60	2	risk	risk	NOUN
fsr-3860	60	3	arises	arise	VERB
fsr-3860	60	4	from	from	ADP
fsr-3860	60	5	the	the	DET
fsr-3860	60	6	fact	fact	NOUN
fsr-3860	60	7	that	that	SCONJ
fsr-3860	60	8	a	a	DET
fsr-3860	60	9	significant	significant	ADJ
fsr-3860	60	10	amount	amount	NOUN
fsr-3860	60	11	of	of	ADP
fsr-3860	60	12	npcu	npcu	PROPN
fsr-3860	60	13	funds	fund	NOUN
fsr-3860	60	14	are	be	AUX
fsr-3860	60	15	held	hold	VERB
fsr-3860	60	16	by	by	ADP
fsr-3860	60	17	the	the	DET
fsr-3860	60	18	corporates	corporate	NOUN
fsr-3860	60	19	.	.	PUNCT
fsr-3860	61	1	nine	nine	NUM
fsr-3860	61	2	percent	percent	NOUN
fsr-3860	61	3	of	of	ADP
fsr-3860	61	4	the	the	DET
fsr-3860	61	5	average	average	ADJ
fsr-3860	61	6	npcu	npcu	PROPN
fsr-3860	61	7	’s	’s	PART
fsr-3860	61	8	assets	asset	NOUN
fsr-3860	61	9	are	be	AUX
fsr-3860	61	10	invested	invest	VERB
fsr-3860	61	11	in	in	ADP
fsr-3860	61	12	a	a	DET
fsr-3860	61	13	corporate	corporate	ADJ
fsr-3860	61	14	credit	credit	NOUN
fsr-3860	61	15	union	union	NOUN
fsr-3860	61	16	.	.	PUNCT
fsr-3860	62	1	these	these	DET
fsr-3860	62	2	funds	fund	NOUN
fsr-3860	62	3	are	be	AUX
fsr-3860	62	4	at	at	ADP
fsr-3860	62	5	risk	risk	NOUN
fsr-3860	62	6	if	if	SCONJ
fsr-3860	62	7	the	the	DET
fsr-3860	62	8	corporate	corporate	NOUN
fsr-3860	62	9	suffers	suffer	VERB
fsr-3860	62	10	a	a	DET
fsr-3860	62	11	loss	loss	NOUN
fsr-3860	62	12	.	.	PUNCT
fsr-3860	63	1	in	in	ADP
fsr-3860	63	2	fact	fact	NOUN
fsr-3860	63	3	,	,	PUNCT
fsr-3860	63	4	as	as	SCONJ
fsr-3860	63	5	outlined	outline	VERB
fsr-3860	63	6	by	by	ADP
fsr-3860	63	7	the	the	DET
fsr-3860	63	8	u.s	u.s	PROPN
fsr-3860	63	9	.	.	PROPN
fsr-3860	63	10	general	general	ADJ
fsr-3860	63	11	accounting	accounting	PROPN
fsr-3860	63	12	office	office	PROPN
fsr-3860	63	13	(	(	PUNCT
fsr-3860	63	14	1995b	1995b	NUM
fsr-3860	63	15	)	)	PUNCT
fsr-3860	63	16	,	,	PUNCT
fsr-3860	63	17	member	member	NOUN
fsr-3860	63	18	npcus	npcus	NOUN
fsr-3860	63	19	lost	lose	VERB
fsr-3860	63	20	$	$	SYM
fsr-3860	63	21	37	37	NUM
fsr-3860	63	22	million	million	NUM
fsr-3860	63	23	with	with	ADP
fsr-3860	63	24	the	the	DET
fsr-3860	63	25	failure	failure	NOUN
fsr-3860	63	26	of	of	ADP
fsr-3860	63	27	capital	capital	NOUN
fsr-3860	63	28	corporate	corporate	ADJ
fsr-3860	63	29	federal	federal	ADJ
fsr-3860	63	30	credit	credit	NOUN
fsr-3860	63	31	union	union	PROPN
fsr-3860	63	32	(	(	PUNCT
fsr-3860	63	33	capcorp	capcorp	PROPN
fsr-3860	63	34	)	)	PUNCT
fsr-3860	63	35	even	even	ADV
fsr-3860	63	36	after	after	SCONJ
fsr-3860	63	37	the	the	DET
fsr-3860	63	38	national	national	PROPN
fsr-3860	63	39	credit	credit	PROPN
fsr-3860	63	40	union	union	PROPN
fsr-3860	63	41	share	share	NOUN
fsr-3860	63	42	insurance	insurance	NOUN
fsr-3860	63	43	fund	fund	NOUN
fsr-3860	63	44	(	(	PUNCT
fsr-3860	63	45	ncusif	ncusif	PROPN
fsr-3860	63	46	)	)	PUNCT
fsr-3860	63	47	guaranteed	guarantee	VERB
fsr-3860	63	48	almost	almost	ADV
fsr-3860	63	49	$	$	SYM
fsr-3860	63	50	700	700	NUM
fsr-3860	63	51	million	million	NUM
fsr-3860	63	52	of	of	ADP
fsr-3860	63	53	npcus	npcus	NOUN
fsr-3860	63	54	’	'	PUNCT
fsr-3860	63	55	uninsured	uninsured	ADJ
fsr-3860	63	56	deposits	deposit	NOUN
fsr-3860	63	57	in	in	ADP
fsr-3860	63	58	capcorp	capcorp	PROPN
fsr-3860	63	59	.	.	PUNCT
fsr-3860	64	1	previous	previous	ADJ
fsr-3860	64	2	studies	study	NOUN
fsr-3860	64	3	such	such	ADJ
fsr-3860	64	4	as	as	ADP
fsr-3860	64	5	those	those	PRON
fsr-3860	64	6	by	by	ADP
fsr-3860	64	7	fried	fry	VERB
fsr-3860	64	8	et	et	PROPN
fsr-3860	64	9	al	al	PROPN
fsr-3860	64	10	.	.	PROPN
fsr-3860	64	11	(	(	PUNCT
fsr-3860	64	12	1993	1993	NUM
fsr-3860	64	13	)	)	PUNCT
fsr-3860	64	14	and	and	CCONJ
fsr-3860	64	15	stiroh	stiroh	X
fsr-3860	64	16	(	(	PUNCT
fsr-3860	64	17	1994	1994	NUM
fsr-3860	64	18	)	)	PUNCT
fsr-3860	64	19	,	,	PUNCT
fsr-3860	64	20	which	which	PRON
fsr-3860	64	21	focused	focus	VERB
fsr-3860	64	22	on	on	ADP
fsr-3860	64	23	u.s	u.s	PROPN
fsr-3860	64	24	.	.	PROPN
fsr-3860	64	25	credit	credit	NOUN
fsr-3860	64	26	unions	union	NOUN
fsr-3860	64	27	and	and	CCONJ
fsr-3860	64	28	thrifts	thrift	NOUN
fsr-3860	64	29	,	,	PUNCT
fsr-3860	64	30	have	have	AUX
fsr-3860	64	31	not	not	PART
fsr-3860	64	32	addressed	address	VERB
fsr-3860	64	33	this	this	DET
fsr-3860	64	34	problem	problem	NOUN
fsr-3860	64	35	.	.	PUNCT
fsr-3860	65	1	since	since	SCONJ
fsr-3860	65	2	1980	1980	NUM
fsr-3860	65	3	,	,	PUNCT
fsr-3860	65	4	130	130	NUM
fsr-3860	65	5	countries	country	NOUN
fsr-3860	65	6	around	around	ADP
fsr-3860	65	7	the	the	DET
fsr-3860	65	8	world	world	NOUN
fsr-3860	65	9	have	have	AUX
fsr-3860	65	10	experienced	experience	VERB
fsr-3860	65	11	significant	significant	ADJ
fsr-3860	65	12	banking	banking	NOUN
fsr-3860	65	13	problems	problem	NOUN
fsr-3860	65	14	,	,	PUNCT
fsr-3860	65	15	according	accord	VERB
fsr-3860	65	16	to	to	ADP
fsr-3860	65	17	lindgren	lindgren	PROPN
fsr-3860	65	18	et	et	PROPN
fsr-3860	65	19	al	al	PROPN
fsr-3860	65	20	.	.	PROPN
fsr-3860	66	1	(	(	PUNCT
fsr-3860	66	2	1996	1996	NUM
fsr-3860	66	3	)	)	PUNCT
fsr-3860	66	4	.	.	PUNCT
fsr-3860	67	1	in	in	ADP
fsr-3860	67	2	the	the	DET
fsr-3860	67	3	u.s	u.s	PROPN
fsr-3860	67	4	.	.	PROPN
fsr-3860	67	5	,	,	PUNCT
fsr-3860	67	6	the	the	DET
fsr-3860	67	7	saving	saving	NOUN
fsr-3860	67	8	and	and	CCONJ
fsr-3860	67	9	loan	loan	NOUN
fsr-3860	67	10	crisis	crisis	NOUN
fsr-3860	67	11	cost	cost	NOUN
fsr-3860	67	12	taxpayers	taxpayer	NOUN
fsr-3860	67	13	an	an	DET
fsr-3860	67	14	estimated	estimate	VERB
fsr-3860	67	15	$	$	SYM
fsr-3860	67	16	150	150	NUM
fsr-3860	67	17	billion	billion	NUM
fsr-3860	67	18	(	(	PUNCT
fsr-3860	67	19	barth	barth	NOUN
fsr-3860	67	20	et	et	PROPN
fsr-3860	67	21	al	al	PROPN
fsr-3860	67	22	.	.	PROPN
fsr-3860	67	23	,	,	PUNCT
fsr-3860	67	24	1995	1995	NUM
fsr-3860	67	25	)	)	PUNCT
fsr-3860	67	26	.	.	PUNCT
fsr-3860	68	1	kane	kane	PROPN
fsr-3860	68	2	and	and	CCONJ
fsr-3860	68	3	hendershott	hendershott	PROPN
fsr-3860	68	4	(	(	PUNCT
fsr-3860	68	5	1996	1996	NUM
fsr-3860	68	6	)	)	PUNCT
fsr-3860	68	7	found	find	VERB
fsr-3860	68	8	that	that	SCONJ
fsr-3860	68	9	the	the	DET
fsr-3860	68	10	ncusif	ncusif	NOUN
fsr-3860	68	11	became	become	VERB
fsr-3860	68	12	economically	economically	ADV
fsr-3860	68	13	insolvent	insolvent	ADJ
fsr-3860	68	14	in	in	ADP
fsr-3860	68	15	the	the	DET
fsr-3860	68	16	1980s	1980s	NUM
fsr-3860	68	17	.	.	PUNCT
fsr-3860	69	1	the	the	DET
fsr-3860	69	2	ncusif	ncusif	NOUN
fsr-3860	69	3	,	,	PUNCT
fsr-3860	69	4	however	however	ADV
fsr-3860	69	5	,	,	PUNCT
fsr-3860	69	6	was	be	AUX
fsr-3860	69	7	able	able	ADJ
fsr-3860	69	8	to	to	PART
fsr-3860	69	9	rebuild	rebuild	VERB
fsr-3860	69	10	its	its	PRON
fsr-3860	69	11	reserves	reserve	NOUN
fsr-3860	69	12	without	without	ADP
fsr-3860	69	13	losses	loss	NOUN
fsr-3860	69	14	of	of	ADP
fsr-3860	69	15	taxpayer	taxpayer	NOUN
fsr-3860	69	16	funds	fund	NOUN
fsr-3860	69	17	.	.	PUNCT
fsr-3860	70	1	the	the	DET
fsr-3860	70	2	ncusif	ncusif	NOUN
fsr-3860	70	3	’s	’s	PART
fsr-3860	70	4	problems	problem	NOUN
fsr-3860	70	5	were	be	AUX
fsr-3860	70	6	limited	limit	VERB
fsr-3860	70	7	by	by	ADP
fsr-3860	70	8	cross	cross	ADJ
fsr-3860	70	9	-	-	ADJ
fsr-3860	70	10	industry	industry	ADJ
fsr-3860	70	11	guarantees	guarantee	NOUN
fsr-3860	70	12	and	and	CCONJ
fsr-3860	70	13	the	the	DET
fsr-3860	70	14	industry	industry	NOUN
fsr-3860	70	15	’s	’s	PART
fsr-3860	70	16	mutual	mutual	ADJ
fsr-3860	70	17	structure	structure	NOUN
fsr-3860	70	18	.	.	PUNCT
fsr-3860	71	1	credit	credit	NOUN
fsr-3860	71	2	unions	union	NOUN
fsr-3860	71	3	must	must	AUX
fsr-3860	71	4	deposit	deposit	VERB
fsr-3860	71	5	1	1	NUM
fsr-3860	71	6	%	%	NOUN
fsr-3860	71	7	of	of	ADP
fsr-3860	71	8	their	their	PRON
fsr-3860	71	9	insured	insure	VERB
fsr-3860	71	10	deposits	deposit	NOUN
fsr-3860	71	11	with	with	ADP
fsr-3860	71	12	the	the	DET
fsr-3860	71	13	ncusif	ncusif	NOUN
fsr-3860	71	14	and	and	CCONJ
fsr-3860	71	15	must	must	AUX
fsr-3860	71	16	adjust	adjust	VERB
fsr-3860	71	17	this	this	DET
fsr-3860	71	18	deposit	deposit	NOUN
fsr-3860	71	19	as	as	ADP
fsr-3860	71	20	their	their	PRON
fsr-3860	71	21	insured	insure	VERB
fsr-3860	71	22	deposit	deposit	NOUN
fsr-3860	71	23	base	base	NOUN
fsr-3860	71	24	changes	change	NOUN
fsr-3860	71	25	.	.	PUNCT
fsr-3860	72	1	according	accord	VERB
fsr-3860	72	2	to	to	ADP
fsr-3860	72	3	the	the	DET
fsr-3860	72	4	u.s	u.s	PROPN
fsr-3860	72	5	.	.	PROPN
fsr-3860	72	6	general	general	ADJ
fsr-3860	72	7	accounting	accounting	PROPN
fsr-3860	72	8	office	office	NOUN
fsr-3860	72	9	(	(	PUNCT
fsr-3860	72	10	1991	1991	NUM
fsr-3860	72	11	)	)	PUNCT
fsr-3860	72	12	,	,	PUNCT
fsr-3860	72	13	if	if	SCONJ
fsr-3860	72	14	the	the	DET
fsr-3860	72	15	reserve	reserve	PROPN
fsr-3860	72	16	ratio	ratio	NOUN
fsr-3860	72	17	(	(	PUNCT
fsr-3860	72	18	equity	equity	NOUN
fsr-3860	72	19	to	to	ADP
fsr-3860	72	20	insured	insure	VERB
fsr-3860	72	21	deposits	deposit	NOUN
fsr-3860	72	22	)	)	PUNCT
fsr-3860	72	23	for	for	ADP
fsr-3860	72	24	the	the	DET
fsr-3860	72	25	ncusif	ncusif	NOUN
fsr-3860	72	26	falls	fall	VERB
fsr-3860	72	27	below	below	ADP
fsr-3860	72	28	1	1	NUM
fsr-3860	72	29	%	%	NOUN
fsr-3860	72	30	,	,	PUNCT
fsr-3860	72	31	credit	credit	NOUN
fsr-3860	72	32	unions	union	NOUN
fsr-3860	72	33	are	be	AUX
fsr-3860	72	34	required	require	VERB
fsr-3860	72	35	to	to	PART
fsr-3860	72	36	expense	expense	VERB
fsr-3860	72	37	the	the	DET
fsr-3860	72	38	difference	difference	NOUN
fsr-3860	72	39	between	between	ADP
fsr-3860	72	40	the	the	DET
fsr-3860	72	41	reserve	reserve	NOUN
fsr-3860	72	42	ratio	ratio	NOUN
fsr-3860	72	43	and	and	CCONJ
fsr-3860	72	44	the	the	DET
fsr-3860	72	45	one	one	NUM
fsr-3860	72	46	percent	percent	NOUN
fsr-3860	72	47	deposit	deposit	NOUN
fsr-3860	72	48	.	.	PUNCT
fsr-3860	73	1	also	also	ADV
fsr-3860	73	2	,	,	PUNCT
fsr-3860	73	3	they	they	PRON
fsr-3860	73	4	must	must	AUX
fsr-3860	73	5	replenish	replenish	VERB
fsr-3860	73	6	their	their	PRON
fsr-3860	73	7	deposit	deposit	NOUN
fsr-3860	73	8	back	back	ADV
fsr-3860	73	9	to	to	ADP
fsr-3860	73	10	its	its	PRON
fsr-3860	73	11	one	one	NUM
fsr-3860	73	12	percent	percent	NOUN
fsr-3860	73	13	level	level	NOUN
fsr-3860	73	14	.	.	PUNCT
fsr-3860	74	1	since	since	SCONJ
fsr-3860	74	2	this	this	DET
fsr-3860	74	3	deposit	deposit	NOUN
fsr-3860	74	4	is	be	AUX
fsr-3860	74	5	at	at	ADP
fsr-3860	74	6	risk	risk	NOUN
fsr-3860	74	7	if	if	SCONJ
fsr-3860	74	8	other	other	ADJ
fsr-3860	74	9	credit	credit	NOUN
fsr-3860	74	10	unions	union	NOUN
fsr-3860	74	11	take	take	VERB
fsr-3860	74	12	significant	significant	ADJ
fsr-3860	74	13	risk	risk	NOUN
fsr-3860	74	14	,	,	PUNCT
fsr-3860	74	15	it	it	PRON
fsr-3860	74	16	is	be	AUX
fsr-3860	74	17	imperative	imperative	ADJ
fsr-3860	74	18	that	that	SCONJ
fsr-3860	74	19	all	all	DET
fsr-3860	74	20	credit	credit	NOUN
fsr-3860	74	21	unions	union	NOUN
fsr-3860	74	22	monitor	monitor	VERB
fsr-3860	74	23	this	this	DET
fsr-3860	74	24	risk	risk	NOUN
fsr-3860	74	25	.	.	PUNCT
fsr-3860	75	1	at	at	ADP
fsr-3860	75	2	the	the	DET
fsr-3860	75	3	same	same	ADJ
fsr-3860	75	4	time	time	NOUN
fsr-3860	75	5	,	,	PUNCT
fsr-3860	75	6	however	however	ADV
fsr-3860	75	7	,	,	PUNCT
fsr-3860	75	8	the	the	DET
fsr-3860	75	9	mutual	mutual	ADJ
fsr-3860	75	10	structure	structure	NOUN
fsr-3860	75	11	of	of	ADP
fsr-3860	75	12	credit	credit	NOUN
fsr-3860	75	13	unions	union	NOUN
fsr-3860	75	14	reduces	reduce	VERB
fsr-3860	75	15	the	the	DET
fsr-3860	75	16	incentive	incentive	NOUN
fsr-3860	75	17	for	for	SCONJ
fsr-3860	75	18	management	management	NOUN
fsr-3860	75	19	to	to	PART
fsr-3860	75	20	take	take	VERB
fsr-3860	75	21	on	on	ADP
fsr-3860	75	22	greater	great	ADJ
fsr-3860	75	23	risk	risk	NOUN
fsr-3860	75	24	.	.	PUNCT
fsr-3860	76	1	thus	thus	ADV
fsr-3860	76	2	,	,	PUNCT
fsr-3860	76	3	agency	agency	NOUN
fsr-3860	76	4	questions	question	NOUN
fsr-3860	76	5	arise	arise	VERB
fsr-3860	76	6	where	where	SCONJ
fsr-3860	76	7	management	management	NOUN
fsr-3860	76	8	is	be	AUX
fsr-3860	76	9	more	more	ADV
fsr-3860	76	10	conservative	conservative	ADJ
fsr-3860	76	11	than	than	ADP
fsr-3860	76	12	its	its	PRON
fsr-3860	76	13	owners	owner	NOUN
fsr-3860	76	14	.	.	PUNCT
fsr-3860	77	1	while	while	SCONJ
fsr-3860	77	2	this	this	DET
fsr-3860	77	3	topic	topic	NOUN
fsr-3860	77	4	is	be	AUX
fsr-3860	77	5	beyond	beyond	ADP
fsr-3860	77	6	the	the	DET
fsr-3860	77	7	209r.j	209r.j	NOUN
fsr-3860	77	8	.	.	PUNCT
fsr-3860	78	1	boldin	boldin	VERB
fsr-3860	78	2	et	et	PROPN
fsr-3860	78	3	al	al	PROPN
fsr-3860	78	4	.	.	PUNCT
fsr-3860	78	5	/	/	SYM
fsr-3860	78	6	financial	financial	ADJ
fsr-3860	78	7	services	service	NOUN
fsr-3860	78	8	review	review	AUX
fsr-3860	78	9	7	7	NUM
fsr-3860	78	10	(	(	PUNCT
fsr-3860	78	11	1998	1998	NUM
fsr-3860	78	12	)	)	PUNCT
fsr-3860	79	1	207–215	207–215	NUM
fsr-3860	79	2	scope	scope	NOUN
fsr-3860	79	3	of	of	ADP
fsr-3860	79	4	this	this	DET
fsr-3860	79	5	paper	paper	NOUN
fsr-3860	79	6	,	,	PUNCT
fsr-3860	79	7	it	it	PRON
fsr-3860	79	8	should	should	AUX
fsr-3860	79	9	be	be	AUX
fsr-3860	79	10	noted	note	VERB
fsr-3860	79	11	that	that	SCONJ
fsr-3860	79	12	management	management	NOUN
fsr-3860	79	13	’s	’s	PART
fsr-3860	79	14	ability	ability	NOUN
fsr-3860	79	15	to	to	PART
fsr-3860	79	16	benefit	benefit	VERB
fsr-3860	79	17	from	from	ADP
fsr-3860	79	18	risk	risk	NOUN
fsr-3860	79	19	taking	taking	NOUN
fsr-3860	79	20	is	be	AUX
fsr-3860	79	21	constrained	constrain	VERB
fsr-3860	79	22	by	by	ADP
fsr-3860	79	23	the	the	DET
fsr-3860	79	24	ability	ability	NOUN
fsr-3860	79	25	of	of	ADP
fsr-3860	79	26	a	a	DET
fsr-3860	79	27	credit	credit	NOUN
fsr-3860	79	28	union	union	NOUN
fsr-3860	79	29	to	to	PART
fsr-3860	79	30	convert	convert	VERB
fsr-3860	79	31	from	from	ADP
fsr-3860	79	32	its	its	PRON
fsr-3860	79	33	mutual	mutual	ADJ
fsr-3860	79	34	structure	structure	NOUN
fsr-3860	79	35	to	to	ADP
fsr-3860	79	36	stock	stock	NOUN
fsr-3860	79	37	organization	organization	NOUN
fsr-3860	79	38	.	.	PUNCT
fsr-3860	80	1	the	the	DET
fsr-3860	80	2	national	national	PROPN
fsr-3860	80	3	credit	credit	PROPN
fsr-3860	80	4	union	union	PROPN
fsr-3860	80	5	administration	administration	PROPN
fsr-3860	80	6	(	(	PUNCT
fsr-3860	80	7	ncua	ncua	PROPN
fsr-3860	80	8	)	)	PUNCT
fsr-3860	80	9	rules	rule	NOUN
fsr-3860	80	10	require	require	VERB
fsr-3860	80	11	50	50	NUM
fsr-3860	80	12	%	%	NOUN
fsr-3860	80	13	of	of	ADP
fsr-3860	80	14	all	all	DET
fsr-3860	80	15	eligible	eligible	ADJ
fsr-3860	80	16	members	member	NOUN
fsr-3860	80	17	to	to	PART
fsr-3860	80	18	approve	approve	VERB
fsr-3860	80	19	a	a	DET
fsr-3860	80	20	conversion	conversion	NOUN
fsr-3860	80	21	of	of	ADP
fsr-3860	80	22	a	a	DET
fsr-3860	80	23	credit	credit	NOUN
fsr-3860	80	24	union	union	NOUN
fsr-3860	80	25	to	to	ADP
fsr-3860	80	26	another	another	DET
fsr-3860	80	27	charter	charter	NOUN
fsr-3860	80	28	type	type	NOUN
fsr-3860	80	29	.	.	PUNCT
fsr-3860	81	1	further	far	ADV
fsr-3860	81	2	,	,	PUNCT
fsr-3860	81	3	it	it	PRON
fsr-3860	81	4	limits	limit	VERB
fsr-3860	81	5	the	the	DET
fsr-3860	81	6	ability	ability	NOUN
fsr-3860	81	7	of	of	ADP
fsr-3860	81	8	management	management	NOUN
fsr-3860	81	9	and	and	CCONJ
fsr-3860	81	10	directors	director	NOUN
fsr-3860	81	11	to	to	PART
fsr-3860	81	12	benefit	benefit	VERB
fsr-3860	81	13	from	from	ADP
fsr-3860	81	14	the	the	DET
fsr-3860	81	15	conversion	conversion	NOUN
fsr-3860	81	16	.	.	PUNCT
fsr-3860	82	1	theoretical	theoretical	ADJ
fsr-3860	82	2	literature	literature	NOUN
fsr-3860	82	3	has	have	AUX
fsr-3860	82	4	examined	examine	VERB
fsr-3860	82	5	several	several	ADJ
fsr-3860	82	6	models	model	NOUN
fsr-3860	82	7	of	of	ADP
fsr-3860	82	8	npcu	npcu	PROPN
fsr-3860	82	9	behavior	behavior	PROPN
fsr-3860	82	10	,	,	PUNCT
fsr-3860	82	11	but	but	CCONJ
fsr-3860	82	12	has	have	AUX
fsr-3860	82	13	devoted	devote	VERB
fsr-3860	82	14	very	very	ADV
fsr-3860	82	15	little	little	ADJ
fsr-3860	82	16	attention	attention	NOUN
fsr-3860	82	17	to	to	ADP
fsr-3860	82	18	the	the	DET
fsr-3860	82	19	corporates	corporate	NOUN
fsr-3860	82	20	.	.	PUNCT
fsr-3860	83	1	four	four	NUM
fsr-3860	83	2	competing	compete	VERB
fsr-3860	83	3	objectives	objective	NOUN
fsr-3860	83	4	functions	function	NOUN
fsr-3860	83	5	have	have	AUX
fsr-3860	83	6	been	be	AUX
fsr-3860	83	7	assigned	assign	VERB
fsr-3860	83	8	to	to	ADP
fsr-3860	83	9	credit	credit	NOUN
fsr-3860	83	10	union	union	NOUN
fsr-3860	83	11	behavior	behavior	NOUN
fsr-3860	83	12	as	as	SCONJ
fsr-3860	83	13	follows	follow	VERB
fsr-3860	83	14	:	:	PUNCT
fsr-3860	83	15	pearce	pearce	PROPN
fsr-3860	83	16	(	(	PUNCT
fsr-3860	83	17	1984	1984	NUM
fsr-3860	83	18	)	)	PUNCT
fsr-3860	83	19	posits	posit	NOUN
fsr-3860	83	20	growth	growth	NOUN
fsr-3860	83	21	maximization	maximization	NOUN
fsr-3860	83	22	;	;	PUNCT
fsr-3860	83	23	fried	fry	VERB
fsr-3860	83	24	and	and	CCONJ
fsr-3860	83	25	lovell	lovell	PROPN
fsr-3860	83	26	(	(	PUNCT
fsr-3860	83	27	1993	1993	NUM
fsr-3860	83	28	)	)	PUNCT
fsr-3860	83	29	assume	assume	VERB
fsr-3860	83	30	maximization	maximization	NOUN
fsr-3860	83	31	of	of	ADP
fsr-3860	83	32	services	service	NOUN
fsr-3860	83	33	with	with	ADP
fsr-3860	83	34	respect	respect	NOUN
fsr-3860	83	35	to	to	ADP
fsr-3860	83	36	a	a	DET
fsr-3860	83	37	resource	resource	NOUN
fsr-3860	83	38	constraint	constraint	NOUN
fsr-3860	83	39	;	;	PUNCT
fsr-3860	83	40	murray	murray	NOUN
fsr-3860	83	41	and	and	CCONJ
fsr-3860	83	42	white	white	ADJ
fsr-3860	83	43	(	(	PUNCT
fsr-3860	83	44	1980	1980	NUM
fsr-3860	83	45	)	)	PUNCT
fsr-3860	83	46	suppose	suppose	VERB
fsr-3860	83	47	efficiency	efficiency	NOUN
fsr-3860	83	48	maximization	maximization	NOUN
fsr-3860	83	49	;	;	PUNCT
fsr-3860	83	50	and	and	CCONJ
fsr-3860	83	51	,	,	PUNCT
fsr-3860	83	52	smith	smith	PROPN
fsr-3860	83	53	(	(	PUNCT
fsr-3860	83	54	1984	1984	NUM
fsr-3860	83	55	)	)	PUNCT
fsr-3860	83	56	posits	posit	NOUN
fsr-3860	83	57	securing	secure	VERB
fsr-3860	83	58	net	net	ADJ
fsr-3860	83	59	gains	gain	NOUN
fsr-3860	83	60	to	to	ADP
fsr-3860	83	61	savers	saver	NOUN
fsr-3860	83	62	and	and	CCONJ
fsr-3860	83	63	borrowers	borrower	NOUN
fsr-3860	83	64	through	through	ADP
fsr-3860	83	65	better	well	ADJ
fsr-3860	83	66	than	than	ADP
fsr-3860	83	67	market	market	NOUN
fsr-3860	83	68	rates	rate	NOUN
fsr-3860	83	69	.	.	PUNCT
fsr-3860	84	1	research	research	NOUN
fsr-3860	84	2	by	by	ADP
fsr-3860	84	3	kane	kane	PROPN
fsr-3860	84	4	and	and	CCONJ
fsr-3860	84	5	hendershott	hendershott	PROPN
fsr-3860	84	6	(	(	PUNCT
fsr-3860	84	7	1996	1996	NUM
fsr-3860	84	8	)	)	PUNCT
fsr-3860	84	9	,	,	PUNCT
fsr-3860	84	10	however	however	ADV
fsr-3860	84	11	,	,	PUNCT
fsr-3860	84	12	suggest	suggest	VERB
fsr-3860	84	13	that	that	SCONJ
fsr-3860	84	14	the	the	DET
fsr-3860	84	15	current	current	ADJ
fsr-3860	84	16	weak	weak	ADJ
fsr-3860	84	17	link	link	NOUN
fsr-3860	84	18	in	in	ADP
fsr-3860	84	19	the	the	DET
fsr-3860	84	20	credit	credit	NOUN
fsr-3860	84	21	union	union	NOUN
fsr-3860	84	22	system	system	NOUN
fsr-3860	84	23	is	be	AUX
fsr-3860	84	24	the	the	DET
fsr-3860	84	25	corporate	corporate	ADJ
fsr-3860	84	26	credit	credit	NOUN
fsr-3860	84	27	union	union	NOUN
fsr-3860	84	28	network	network	NOUN
fsr-3860	84	29	.	.	PUNCT
fsr-3860	85	1	they	they	PRON
fsr-3860	85	2	state	state	VERB
fsr-3860	85	3	that	that	SCONJ
fsr-3860	85	4	low	low	ADJ
fsr-3860	85	5	levels	level	NOUN
fsr-3860	85	6	of	of	ADP
fsr-3860	85	7	capitalization	capitalization	NOUN
fsr-3860	85	8	at	at	ADP
fsr-3860	85	9	corporate	corporate	ADJ
fsr-3860	85	10	credit	credit	NOUN
fsr-3860	85	11	unions	union	NOUN
fsr-3860	85	12	creates	create	VERB
fsr-3860	85	13	a	a	DET
fsr-3860	85	14	moral	moral	ADJ
fsr-3860	85	15	hazard	hazard	NOUN
fsr-3860	85	16	,	,	PUNCT
fsr-3860	85	17	creating	create	VERB
fsr-3860	85	18	incentives	incentive	NOUN
fsr-3860	85	19	for	for	SCONJ
fsr-3860	85	20	management	management	NOUN
fsr-3860	85	21	to	to	PART
fsr-3860	85	22	take	take	VERB
fsr-3860	85	23	on	on	ADP
fsr-3860	85	24	greater	great	ADJ
fsr-3860	85	25	risk	risk	NOUN
fsr-3860	85	26	.	.	PUNCT
fsr-3860	86	1	this	this	DET
fsr-3860	86	2	paper	paper	NOUN
fsr-3860	86	3	builds	build	VERB
fsr-3860	86	4	upon	upon	SCONJ
fsr-3860	86	5	their	their	PRON
fsr-3860	86	6	research	research	NOUN
fsr-3860	86	7	by	by	ADP
fsr-3860	86	8	examining	examine	VERB
fsr-3860	86	9	the	the	DET
fsr-3860	86	10	interrelationships	interrelationship	NOUN
fsr-3860	86	11	between	between	ADP
fsr-3860	86	12	npcus	npcus	NOUN
fsr-3860	86	13	and	and	CCONJ
fsr-3860	86	14	the	the	DET
fsr-3860	86	15	corporates	corporate	NOUN
fsr-3860	86	16	,	,	PUNCT
fsr-3860	86	17	instead	instead	ADV
fsr-3860	86	18	of	of	ADP
fsr-3860	86	19	focusing	focus	VERB
fsr-3860	86	20	solely	solely	ADV
fsr-3860	86	21	on	on	ADP
fsr-3860	86	22	the	the	DET
fsr-3860	86	23	behavior	behavior	NOUN
fsr-3860	86	24	of	of	ADP
fsr-3860	86	25	natural	natural	ADJ
fsr-3860	86	26	person	person	NOUN
fsr-3860	86	27	credit	credit	NOUN
fsr-3860	86	28	unions	union	NOUN
fsr-3860	86	29	or	or	CCONJ
fsr-3860	86	30	corporate	corporate	ADJ
fsr-3860	86	31	credit	credit	NOUN
fsr-3860	86	32	unions	union	NOUN
fsr-3860	86	33	.	.	PUNCT
fsr-3860	87	1	3	3	X
fsr-3860	87	2	.	.	X
fsr-3860	87	3	corporate	corporate	ADJ
fsr-3860	87	4	credit	credit	NOUN
fsr-3860	87	5	union	union	NOUN
fsr-3860	87	6	capital	capital	NOUN
fsr-3860	87	7	data	datum	NOUN
fsr-3860	87	8	until	until	ADP
fsr-3860	87	9	recently	recently	ADV
fsr-3860	87	10	,	,	PUNCT
fsr-3860	87	11	corporates	corporate	NOUN
fsr-3860	87	12	have	have	AUX
fsr-3860	87	13	been	be	AUX
fsr-3860	87	14	thinly	thinly	ADV
fsr-3860	87	15	capitalized	capitalize	VERB
fsr-3860	87	16	.	.	PUNCT
fsr-3860	88	1	in	in	ADP
fsr-3860	88	2	fact	fact	NOUN
fsr-3860	88	3	,	,	PUNCT
fsr-3860	88	4	at	at	ADP
fsr-3860	88	5	year	year	NOUN
fsr-3860	88	6	-	-	PUNCT
fsr-3860	88	7	end	end	NOUN
fsr-3860	88	8	1995	1995	NUM
fsr-3860	88	9	,	,	PUNCT
fsr-3860	88	10	the	the	DET
fsr-3860	88	11	average	average	ADJ
fsr-3860	88	12	leverage	leverage	NOUN
fsr-3860	88	13	capital	capital	NOUN
fsr-3860	88	14	ratio	ratio	NOUN
fsr-3860	88	15	for	for	ADP
fsr-3860	88	16	the	the	DET
fsr-3860	88	17	corporate	corporate	ADJ
fsr-3860	88	18	system	system	NOUN
fsr-3860	88	19	was	be	AUX
fsr-3860	88	20	only	only	ADV
fsr-3860	88	21	2.2	2.2	NUM
fsr-3860	88	22	%	%	NOUN
fsr-3860	88	23	.	.	PUNCT
fsr-3860	89	1	nonetheless	nonetheless	ADV
fsr-3860	89	2	,	,	PUNCT
fsr-3860	89	3	the	the	DET
fsr-3860	89	4	u.s	u.s	PROPN
fsr-3860	89	5	.	.	PROPN
fsr-3860	89	6	general	general	ADJ
fsr-3860	89	7	accounting	accounting	PROPN
fsr-3860	89	8	office	office	PROPN
fsr-3860	89	9	(	(	PUNCT
fsr-3860	89	10	1994	1994	NUM
fsr-3860	89	11	)	)	PUNCT
fsr-3860	89	12	reported	report	VERB
fsr-3860	89	13	that	that	SCONJ
fsr-3860	89	14	all	all	PRON
fsr-3860	89	15	of	of	ADP
fsr-3860	89	16	the	the	DET
fsr-3860	89	17	corporates	corporate	NOUN
fsr-3860	89	18	met	meet	VERB
fsr-3860	89	19	a	a	DET
fsr-3860	89	20	regulatory	regulatory	ADJ
fsr-3860	89	21	risk	risk	NOUN
fsr-3860	89	22	-	-	PUNCT
fsr-3860	89	23	based	base	VERB
fsr-3860	89	24	capital	capital	NOUN
fsr-3860	89	25	standard	standard	NOUN
fsr-3860	89	26	.	.	PUNCT
fsr-3860	90	1	in	in	ADP
fsr-3860	90	2	reaction	reaction	NOUN
fsr-3860	90	3	to	to	ADP
fsr-3860	90	4	the	the	DET
fsr-3860	90	5	problems	problem	NOUN
fsr-3860	90	6	in	in	ADP
fsr-3860	90	7	1995	1995	NUM
fsr-3860	90	8	,	,	PUNCT
fsr-3860	90	9	the	the	DET
fsr-3860	90	10	national	national	PROPN
fsr-3860	90	11	credit	credit	PROPN
fsr-3860	90	12	union	union	PROPN
fsr-3860	90	13	administration	administration	PROPN
fsr-3860	90	14	(	(	PUNCT
fsr-3860	90	15	the	the	DET
fsr-3860	90	16	federal	federal	ADJ
fsr-3860	90	17	regulatory	regulatory	ADJ
fsr-3860	90	18	agency	agency	NOUN
fsr-3860	90	19	)	)	PUNCT
fsr-3860	90	20	instituted	institute	VERB
fsr-3860	90	21	two	two	NUM
fsr-3860	90	22	important	important	ADJ
fsr-3860	90	23	changes	change	NOUN
fsr-3860	90	24	to	to	PART
fsr-3860	90	25	strengthen	strengthen	VERB
fsr-3860	90	26	the	the	DET
fsr-3860	90	27	capital	capital	NOUN
fsr-3860	90	28	of	of	ADP
fsr-3860	90	29	the	the	DET
fsr-3860	90	30	corporates	corporate	NOUN
fsr-3860	90	31	to	to	PART
fsr-3860	90	32	be	be	AUX
fsr-3860	90	33	effective	effective	ADJ
fsr-3860	90	34	in	in	ADP
fsr-3860	90	35	1998	1998	NUM
fsr-3860	90	36	.	.	PUNCT
fsr-3860	91	1	first	first	ADV
fsr-3860	91	2	,	,	PUNCT
fsr-3860	91	3	a	a	DET
fsr-3860	91	4	risk	risk	NOUN
fsr-3860	91	5	-	-	PUNCT
fsr-3860	91	6	based	base	VERB
fsr-3860	91	7	capital	capital	NOUN
fsr-3860	91	8	standard	standard	NOUN
fsr-3860	91	9	was	be	AUX
fsr-3860	91	10	replaced	replace	VERB
fsr-3860	91	11	(	(	PUNCT
fsr-3860	91	12	and	and	CCONJ
fsr-3860	91	13	abolished	abolish	VERB
fsr-3860	91	14	)	)	PUNCT
fsr-3860	91	15	with	with	ADP
fsr-3860	91	16	a	a	DET
fsr-3860	91	17	leverage	leverage	NOUN
fsr-3860	91	18	standard	standard	NOUN
fsr-3860	91	19	;	;	PUNCT
fsr-3860	91	20	each	each	DET
fsr-3860	91	21	corporate	corporate	NOUN
fsr-3860	91	22	must	must	AUX
fsr-3860	91	23	now	now	ADV
fsr-3860	91	24	meet	meet	VERB
fsr-3860	91	25	a	a	DET
fsr-3860	91	26	4	4	NUM
fsr-3860	91	27	%	%	NOUN
fsr-3860	91	28	capital	capital	NOUN
fsr-3860	91	29	-	-	PUNCT
fsr-3860	91	30	to	to	ADP
fsr-3860	91	31	-	-	PUNCT
fsr-3860	91	32	assets	asset	NOUN
fsr-3860	91	33	test	test	NOUN
fsr-3860	91	34	.	.	PUNCT
fsr-3860	92	1	second	second	ADJ
fsr-3860	92	2	,	,	PUNCT
fsr-3860	92	3	“	"	PUNCT
fsr-3860	92	4	membership	membership	NOUN
fsr-3860	92	5	capital	capital	NOUN
fsr-3860	92	6	share	share	NOUN
fsr-3860	92	7	deposits	deposit	NOUN
fsr-3860	92	8	”	"	PUNCT
fsr-3860	92	9	(	(	PUNCT
fsr-3860	92	10	mcsd	mcsd	NOUN
fsr-3860	92	11	)	)	PUNCT
fsr-3860	92	12	now	now	ADV
fsr-3860	92	13	count	count	VERB
fsr-3860	92	14	as	as	ADP
fsr-3860	92	15	primary	primary	ADJ
fsr-3860	92	16	capital	capital	NOUN
fsr-3860	92	17	toward	toward	ADP
fsr-3860	92	18	the	the	DET
fsr-3860	92	19	leverage	leverage	NOUN
fsr-3860	92	20	standard	standard	NOUN
fsr-3860	92	21	,	,	PUNCT
fsr-3860	92	22	provided	provide	VERB
fsr-3860	92	23	that	that	SCONJ
fsr-3860	92	24	there	there	PRON
fsr-3860	92	25	is	be	VERB
fsr-3860	92	26	a	a	DET
fsr-3860	92	27	contractual	contractual	ADJ
fsr-3860	92	28	requirement	requirement	NOUN
fsr-3860	92	29	of	of	ADP
fsr-3860	92	30	three	three	NUM
fsr-3860	92	31	-	-	PUNCT
fsr-3860	92	32	years	year	NOUN
fsr-3860	92	33	notice	notice	NOUN
fsr-3860	92	34	prior	prior	ADV
fsr-3860	92	35	to	to	ADP
fsr-3860	92	36	withdrawal	withdrawal	NOUN
fsr-3860	92	37	.	.	PUNCT
fsr-3860	93	1	the	the	DET
fsr-3860	93	2	new	new	ADJ
fsr-3860	93	3	standard	standard	NOUN
fsr-3860	93	4	accentuated	accentuate	VERB
fsr-3860	93	5	the	the	DET
fsr-3860	93	6	interdependence	interdependence	NOUN
fsr-3860	93	7	within	within	ADP
fsr-3860	93	8	the	the	DET
fsr-3860	93	9	pyramid	pyramid	NOUN
fsr-3860	93	10	structure	structure	NOUN
fsr-3860	93	11	.	.	PUNCT
fsr-3860	94	1	npcu	npcu	PROPN
fsr-3860	94	2	investments	investment	NOUN
fsr-3860	94	3	in	in	ADP
fsr-3860	94	4	a	a	DET
fsr-3860	94	5	corporate	corporate	ADJ
fsr-3860	94	6	still	still	ADV
fsr-3860	94	7	face	face	VERB
fsr-3860	94	8	risk	risk	NOUN
fsr-3860	94	9	of	of	ADP
fsr-3860	94	10	loss	loss	NOUN
fsr-3860	94	11	should	should	AUX
fsr-3860	94	12	the	the	DET
fsr-3860	94	13	corporate	corporate	ADJ
fsr-3860	94	14	face	face	NOUN
fsr-3860	94	15	significant	significant	ADJ
fsr-3860	94	16	losses	loss	NOUN
fsr-3860	94	17	in	in	ADP
fsr-3860	94	18	its	its	PRON
fsr-3860	94	19	investment	investment	NOUN
fsr-3860	94	20	portfolio	portfolio	NOUN
fsr-3860	94	21	.	.	PUNCT
fsr-3860	95	1	any	any	DET
fsr-3860	95	2	losses	loss	NOUN
fsr-3860	95	3	would	would	AUX
fsr-3860	95	4	first	first	ADV
fsr-3860	95	5	be	be	AUX
fsr-3860	95	6	written	write	VERB
fsr-3860	95	7	off	off	ADP
fsr-3860	95	8	against	against	ADP
fsr-3860	95	9	“	"	PUNCT
fsr-3860	95	10	core	core	NOUN
fsr-3860	95	11	capital	capital	NOUN
fsr-3860	95	12	,	,	PUNCT
fsr-3860	95	13	”	"	PUNCT
fsr-3860	95	14	the	the	DET
fsr-3860	95	15	equity	equity	NOUN
fsr-3860	95	16	capital	capital	NOUN
fsr-3860	95	17	not	not	PART
fsr-3860	95	18	including	include	VERB
fsr-3860	95	19	mcsd	mcsd	NOUN
fsr-3860	95	20	.	.	PUNCT
fsr-3860	96	1	if	if	SCONJ
fsr-3860	96	2	a	a	DET
fsr-3860	96	3	corporate	corporate	ADJ
fsr-3860	96	4	’s	’s	PART
fsr-3860	96	5	trouble	trouble	NOUN
fsr-3860	96	6	is	be	AUX
fsr-3860	96	7	severe	severe	ADJ
fsr-3860	96	8	enough	enough	ADV
fsr-3860	96	9	to	to	PART
fsr-3860	96	10	exhaust	exhaust	VERB
fsr-3860	96	11	its	its	PRON
fsr-3860	96	12	core	core	NOUN
fsr-3860	96	13	capital	capital	NOUN
fsr-3860	96	14	,	,	PUNCT
fsr-3860	96	15	the	the	DET
fsr-3860	96	16	mcsd	mcsd	NOUN
fsr-3860	96	17	would	would	AUX
fsr-3860	96	18	have	have	VERB
fsr-3860	96	19	to	to	PART
fsr-3860	96	20	be	be	AUX
fsr-3860	96	21	written	write	VERB
fsr-3860	96	22	down	down	ADP
fsr-3860	96	23	.	.	PUNCT
fsr-3860	97	1	conceivably	conceivably	ADV
fsr-3860	97	2	,	,	PUNCT
fsr-3860	97	3	greater	great	ADJ
fsr-3860	97	4	losses	loss	NOUN
fsr-3860	97	5	could	could	AUX
fsr-3860	97	6	even	even	ADV
fsr-3860	97	7	force	force	VERB
fsr-3860	97	8	a	a	DET
fsr-3860	97	9	write	write	NOUN
fsr-3860	97	10	-	-	PUNCT
fsr-3860	97	11	down	down	NOUN
fsr-3860	97	12	of	of	ADP
fsr-3860	97	13	npcu	npcu	PROPN
fsr-3860	97	14	deposits	deposit	NOUN
fsr-3860	97	15	in	in	ADP
fsr-3860	97	16	the	the	DET
fsr-3860	97	17	corporate	corporate	NOUN
fsr-3860	97	18	.	.	PUNCT
fsr-3860	98	1	of	of	ADP
fsr-3860	98	2	course	course	NOUN
fsr-3860	98	3	,	,	PUNCT
fsr-3860	98	4	any	any	DET
fsr-3860	98	5	write	write	NOUN
fsr-3860	98	6	-	-	PUNCT
fsr-3860	98	7	down	down	NOUN
fsr-3860	98	8	of	of	ADP
fsr-3860	98	9	deposits	deposit	NOUN
fsr-3860	98	10	or	or	CCONJ
fsr-3860	98	11	investments	investment	NOUN
fsr-3860	98	12	in	in	ADP
fsr-3860	98	13	a	a	DET
fsr-3860	98	14	corporate	corporate	NOUN
fsr-3860	98	15	would	would	AUX
fsr-3860	98	16	be	be	AUX
fsr-3860	98	17	reflected	reflect	VERB
fsr-3860	98	18	by	by	ADP
fsr-3860	98	19	a	a	DET
fsr-3860	98	20	drop	drop	NOUN
fsr-3860	98	21	in	in	ADP
fsr-3860	98	22	the	the	DET
fsr-3860	98	23	investing	investing	NOUN
fsr-3860	98	24	npcu	npcu	PROPN
fsr-3860	98	25	’s	’s	PART
fsr-3860	98	26	capital	capital	NOUN
fsr-3860	98	27	.	.	PUNCT
fsr-3860	99	1	while	while	SCONJ
fsr-3860	99	2	deposits	deposit	NOUN
fsr-3860	99	3	are	be	AUX
fsr-3860	99	4	protected	protect	VERB
fsr-3860	99	5	up	up	ADP
fsr-3860	99	6	to	to	PART
fsr-3860	99	7	$	$	SYM
fsr-3860	99	8	100,000	100,000	NUM
fsr-3860	99	9	,	,	PUNCT
fsr-3860	99	10	for	for	ADP
fsr-3860	99	11	the	the	DET
fsr-3860	99	12	majority	majority	NOUN
fsr-3860	99	13	of	of	ADP
fsr-3860	99	14	the	the	DET
fsr-3860	99	15	corporates	corporate	NOUN
fsr-3860	99	16	with	with	ADP
fsr-3860	99	17	federal	federal	ADJ
fsr-3860	99	18	deposit	deposit	NOUN
fsr-3860	99	19	insurance	insurance	NOUN
fsr-3860	99	20	,	,	PUNCT
fsr-3860	99	21	this	this	DET
fsr-3860	99	22	amount	amount	NOUN
fsr-3860	99	23	is	be	AUX
fsr-3860	99	24	small	small	ADJ
fsr-3860	99	25	compared	compare	VERB
fsr-3860	99	26	to	to	ADP
fsr-3860	99	27	the	the	DET
fsr-3860	99	28	level	level	NOUN
fsr-3860	99	29	of	of	ADP
fsr-3860	99	30	investment	investment	NOUN
fsr-3860	99	31	of	of	ADP
fsr-3860	99	32	most	most	ADJ
fsr-3860	99	33	npcus	npcus	ADJ
fsr-3860	99	34	.	.	PUNCT
fsr-3860	100	1	corporate	corporate	ADJ
fsr-3860	100	2	core	core	NOUN
fsr-3860	100	3	capital	capital	NOUN
fsr-3860	100	4	,	,	PUNCT
fsr-3860	100	5	then	then	ADV
fsr-3860	100	6	,	,	PUNCT
fsr-3860	100	7	is	be	AUX
fsr-3860	100	8	the	the	DET
fsr-3860	100	9	essential	essential	ADJ
fsr-3860	100	10	protection	protection	NOUN
fsr-3860	100	11	for	for	ADP
fsr-3860	100	12	npcu	npcu	PROPN
fsr-3860	100	13	investments	investment	NOUN
fsr-3860	100	14	in	in	ADP
fsr-3860	100	15	corporates	corporate	NOUN
fsr-3860	100	16	.	.	PUNCT
fsr-3860	101	1	210	210	NUM
fsr-3860	101	2	r.j	r.j	PROPN
fsr-3860	101	3	.	.	PROPN
fsr-3860	101	4	boldin	boldin	PROPN
fsr-3860	101	5	et	et	PROPN
fsr-3860	101	6	al	al	PROPN
fsr-3860	101	7	.	.	PUNCT
fsr-3860	101	8	/	/	SYM
fsr-3860	101	9	financial	financial	ADJ
fsr-3860	101	10	services	service	NOUN
fsr-3860	101	11	review	review	VERB
fsr-3860	101	12	7	7	NUM
fsr-3860	101	13	(	(	PUNCT
fsr-3860	101	14	1998	1998	NUM
fsr-3860	101	15	)	)	PUNCT
fsr-3860	102	1	207–215	207–215	NUM
fsr-3860	102	2	table	table	NOUN
fsr-3860	102	3	1	1	NUM
fsr-3860	102	4	shows	show	VERB
fsr-3860	102	5	the	the	DET
fsr-3860	102	6	funding	funding	NOUN
fsr-3860	102	7	structure	structure	NOUN
fsr-3860	102	8	of	of	ADP
fsr-3860	102	9	the	the	DET
fsr-3860	102	10	corporates	corporate	NOUN
fsr-3860	102	11	.	.	PUNCT
fsr-3860	103	1	in	in	ADP
fsr-3860	103	2	aggregate	aggregate	ADJ
fsr-3860	103	3	,	,	PUNCT
fsr-3860	103	4	only	only	ADV
fsr-3860	103	5	2.7	2.7	NUM
fsr-3860	103	6	%	%	NOUN
fsr-3860	103	7	of	of	ADP
fsr-3860	103	8	assets	asset	NOUN
fsr-3860	103	9	are	be	AUX
fsr-3860	103	10	backed	back	VERB
fsr-3860	103	11	by	by	ADP
fsr-3860	103	12	core	core	NOUN
fsr-3860	103	13	capital	capital	NOUN
fsr-3860	103	14	.	.	PUNCT
fsr-3860	104	1	some	some	DET
fsr-3860	104	2	corporates	corporate	NOUN
fsr-3860	104	3	have	have	VERB
fsr-3860	104	4	significantly	significantly	ADV
fsr-3860	104	5	thinner	thin	ADJ
fsr-3860	104	6	core	core	NOUN
fsr-3860	104	7	capital	capital	NOUN
fsr-3860	104	8	as	as	SCONJ
fsr-3860	104	9	shown	show	VERB
fsr-3860	104	10	in	in	ADP
fsr-3860	104	11	tables	table	NOUN
fsr-3860	104	12	2	2	NUM
fsr-3860	104	13	and	and	CCONJ
fsr-3860	104	14	3	3	NUM
fsr-3860	104	15	.	.	NOUN
fsr-3860	104	16	4	4	NUM
fsr-3860	104	17	.	.	X
fsr-3860	104	18	corporate	corporate	ADJ
fsr-3860	104	19	credit	credit	NOUN
fsr-3860	104	20	union	union	NOUN
fsr-3860	104	21	investment	investment	NOUN
fsr-3860	104	22	practices	practice	NOUN
fsr-3860	104	23	since	since	SCONJ
fsr-3860	104	24	the	the	DET
fsr-3860	104	25	financial	financial	ADJ
fsr-3860	104	26	marketplace	marketplace	NOUN
fsr-3860	104	27	is	be	AUX
fsr-3860	104	28	becoming	become	VERB
fsr-3860	104	29	increasingly	increasingly	ADV
fsr-3860	104	30	complex	complex	ADJ
fsr-3860	104	31	,	,	PUNCT
fsr-3860	104	32	financial	financial	ADJ
fsr-3860	104	33	institutions	institution	NOUN
fsr-3860	104	34	need	need	VERB
fsr-3860	104	35	to	to	PART
fsr-3860	104	36	have	have	VERB
fsr-3860	104	37	an	an	DET
fsr-3860	104	38	effective	effective	ADJ
fsr-3860	104	39	risk	risk	NOUN
fsr-3860	104	40	-	-	PUNCT
fsr-3860	104	41	management	management	NOUN
fsr-3860	104	42	system	system	NOUN
fsr-3860	104	43	in	in	ADP
fsr-3860	104	44	place	place	NOUN
fsr-3860	104	45	.	.	PUNCT
fsr-3860	105	1	for	for	ADP
fsr-3860	105	2	corporate	corporate	ADJ
fsr-3860	105	3	credit	credit	NOUN
fsr-3860	105	4	unions	union	NOUN
fsr-3860	105	5	,	,	PUNCT
fsr-3860	105	6	having	have	VERB
fsr-3860	105	7	an	an	DET
fsr-3860	105	8	adequate	adequate	ADJ
fsr-3860	105	9	asset	asset	NOUN
fsr-3860	105	10	-	-	PUNCT
fsr-3860	105	11	liability	liability	NOUN
fsr-3860	105	12	management	management	NOUN
fsr-3860	105	13	system	system	NOUN
fsr-3860	105	14	in	in	ADP
fsr-3860	105	15	place	place	NOUN
fsr-3860	105	16	is	be	AUX
fsr-3860	105	17	particularly	particularly	ADV
fsr-3860	105	18	important	important	ADJ
fsr-3860	105	19	given	give	VERB
fsr-3860	105	20	the	the	DET
fsr-3860	105	21	potential	potential	ADJ
fsr-3860	105	22	interest	interest	NOUN
fsr-3860	105	23	rate	rate	NOUN
fsr-3860	105	24	risk	risk	NOUN
fsr-3860	105	25	these	these	DET
fsr-3860	105	26	institutions	institution	NOUN
fsr-3860	105	27	face	face	VERB
fsr-3860	105	28	.	.	PUNCT
fsr-3860	106	1	the	the	DET
fsr-3860	106	2	ability	ability	NOUN
fsr-3860	106	3	to	to	PART
fsr-3860	106	4	manage	manage	VERB
fsr-3860	106	5	interest	interest	NOUN
fsr-3860	106	6	rate	rate	NOUN
fsr-3860	106	7	risk	risk	NOUN
fsr-3860	106	8	has	have	VERB
fsr-3860	106	9	important	important	ADJ
fsr-3860	106	10	implications	implication	NOUN
fsr-3860	106	11	for	for	ADP
fsr-3860	106	12	meeting	meet	VERB
fsr-3860	106	13	the	the	DET
fsr-3860	106	14	liquidity	liquidity	NOUN
fsr-3860	106	15	needs	need	NOUN
fsr-3860	106	16	of	of	ADP
fsr-3860	106	17	natural	natural	ADJ
fsr-3860	106	18	person	person	NOUN
fsr-3860	106	19	credit	credit	NOUN
fsr-3860	106	20	unions	union	NOUN
fsr-3860	106	21	.	.	PUNCT
fsr-3860	107	1	the	the	DET
fsr-3860	107	2	available	available	ADJ
fsr-3860	107	3	evidence	evidence	NOUN
fsr-3860	107	4	suggests	suggest	VERB
fsr-3860	107	5	that	that	SCONJ
fsr-3860	107	6	many	many	ADJ
fsr-3860	107	7	corporate	corporate	ADJ
fsr-3860	107	8	credit	credit	NOUN
fsr-3860	107	9	union	union	NOUN
fsr-3860	107	10	portfolios	portfolio	NOUN
fsr-3860	107	11	are	be	AUX
fsr-3860	107	12	not	not	PART
fsr-3860	107	13	adequately	adequately	ADV
fsr-3860	107	14	hedged	hedge	VERB
fsr-3860	107	15	for	for	ADP
fsr-3860	107	16	interest	interest	NOUN
fsr-3860	107	17	rate	rate	NOUN
fsr-3860	107	18	risk	risk	NOUN
fsr-3860	107	19	.	.	PUNCT
fsr-3860	108	1	on	on	ADP
fsr-3860	108	2	average	average	ADJ
fsr-3860	108	3	,	,	PUNCT
fsr-3860	108	4	as	as	ADP
fsr-3860	108	5	of	of	ADP
fsr-3860	108	6	june	june	PROPN
fsr-3860	108	7	1996	1996	NUM
fsr-3860	108	8	,	,	PUNCT
fsr-3860	108	9	corporate	corporate	ADJ
fsr-3860	108	10	credit	credit	NOUN
fsr-3860	108	11	unions	union	NOUN
fsr-3860	108	12	have	have	VERB
fsr-3860	108	13	a	a	DET
fsr-3860	108	14	negative	negative	ADJ
fsr-3860	108	15	gap	gap	NOUN
fsr-3860	108	16	position	position	NOUN
fsr-3860	108	17	for	for	ADP
fsr-3860	108	18	repricing	reprice	VERB
fsr-3860	108	19	intervals	interval	NOUN
fsr-3860	108	20	up	up	ADP
fsr-3860	108	21	to	to	PART
fsr-3860	108	22	3	3	NUM
fsr-3860	108	23	years	year	NOUN
fsr-3860	108	24	.	.	PUNCT
fsr-3860	109	1	gap	gap	NOUN
fsr-3860	109	2	analysis	analysis	NOUN
fsr-3860	109	3	examines	examine	VERB
fsr-3860	109	4	the	the	DET
fsr-3860	109	5	difference	difference	NOUN
fsr-3860	109	6	between	between	ADP
fsr-3860	109	7	the	the	DET
fsr-3860	109	8	repricing	repricing	NOUN
fsr-3860	109	9	of	of	ADP
fsr-3860	109	10	a	a	DET
fsr-3860	109	11	financial	financial	ADJ
fsr-3860	109	12	institution	institution	NOUN
fsr-3860	109	13	’s	’s	PART
fsr-3860	109	14	assets	asset	NOUN
fsr-3860	109	15	and	and	CCONJ
fsr-3860	109	16	liabilities	liability	NOUN
fsr-3860	109	17	.	.	PUNCT
fsr-3860	110	1	typically	typically	ADV
fsr-3860	110	2	,	,	PUNCT
fsr-3860	110	3	a	a	DET
fsr-3860	110	4	financial	financial	ADJ
fsr-3860	110	5	institution	institution	NOUN
fsr-3860	110	6	will	will	AUX
fsr-3860	110	7	calculate	calculate	VERB
fsr-3860	110	8	its	its	PRON
fsr-3860	110	9	gap	gap	NOUN
fsr-3860	110	10	position	position	NOUN
fsr-3860	110	11	for	for	ADP
fsr-3860	110	12	several	several	ADJ
fsr-3860	110	13	different	different	ADJ
fsr-3860	110	14	maturity	maturity	NOUN
fsr-3860	110	15	periods	period	NOUN
fsr-3860	110	16	.	.	PUNCT
fsr-3860	111	1	a	a	DET
fsr-3860	111	2	negative	negative	ADJ
fsr-3860	111	3	gap	gap	NOUN
fsr-3860	111	4	exists	exist	VERB
fsr-3860	111	5	when	when	SCONJ
fsr-3860	111	6	short	short	ADJ
fsr-3860	111	7	-	-	PUNCT
fsr-3860	111	8	tem	tem	NOUN
fsr-3860	111	9	liabilities	liability	NOUN
fsr-3860	111	10	exceed	exceed	VERB
fsr-3860	111	11	short	short	ADJ
fsr-3860	111	12	-	-	PUNCT
fsr-3860	111	13	term	term	NOUN
fsr-3860	111	14	assets	asset	NOUN
fsr-3860	111	15	.	.	PUNCT
fsr-3860	112	1	the	the	DET
fsr-3860	112	2	average	average	ADJ
fsr-3860	112	3	one	one	NUM
fsr-3860	112	4	-	-	PUNCT
fsr-3860	112	5	year	year	NOUN
fsr-3860	112	6	gap	gap	NOUN
fsr-3860	112	7	position	position	NOUN
fsr-3860	112	8	for	for	ADP
fsr-3860	112	9	corporate	corporate	ADJ
fsr-3860	112	10	credit	credit	NOUN
fsr-3860	112	11	unions	union	NOUN
fsr-3860	112	12	is23.3	is23.3	NUM
fsr-3860	112	13	%	%	NOUN
fsr-3860	112	14	of	of	ADP
fsr-3860	112	15	average	average	ADJ
fsr-3860	112	16	earning	earning	NOUN
fsr-3860	112	17	assets	asset	NOUN
fsr-3860	112	18	and	and	CCONJ
fsr-3860	112	19	the	the	DET
fsr-3860	112	20	gap	gap	NOUN
fsr-3860	112	21	position	position	NOUN
fsr-3860	112	22	is24.5	is24.5	PROPN
fsr-3860	112	23	%	%	NOUN
fsr-3860	112	24	of	of	ADP
fsr-3860	112	25	average	average	ADJ
fsr-3860	112	26	earning	earning	NOUN
fsr-3860	112	27	assets	asset	NOUN
fsr-3860	112	28	for	for	ADP
fsr-3860	112	29	a	a	DET
fsr-3860	112	30	repricing	reprice	VERB
fsr-3860	112	31	interval	interval	NOUN
fsr-3860	112	32	of	of	ADP
fsr-3860	112	33	3	3	NUM
fsr-3860	112	34	years	year	NOUN
fsr-3860	112	35	and	and	CCONJ
fsr-3860	112	36	less	less	ADJ
fsr-3860	112	37	.	.	PUNCT
fsr-3860	113	1	as	as	ADP
fsr-3860	113	2	table	table	NOUN
fsr-3860	113	3	1	1	NUM
fsr-3860	113	4	credit	credit	NOUN
fsr-3860	113	5	union	union	NOUN
fsr-3860	113	6	investment	investment	NOUN
fsr-3860	113	7	in	in	ADP
fsr-3860	113	8	corporate	corporate	ADJ
fsr-3860	113	9	credit	credit	NOUN
fsr-3860	113	10	unions	union	NOUN
fsr-3860	113	11	as	as	ADP
fsr-3860	113	12	of	of	ADP
fsr-3860	113	13	december	december	PROPN
fsr-3860	113	14	31	31	NUM
fsr-3860	113	15	,	,	PUNCT
fsr-3860	113	16	1996	1996	NUM
fsr-3860	113	17	median	median	ADJ
fsr-3860	113	18	percent	percent	NOUN
fsr-3860	113	19	of	of	ADP
fsr-3860	113	20	:	:	PUNCT
fsr-3860	113	21	investments	investment	NOUN
fsr-3860	113	22	,	,	PUNCT
fsr-3860	113	23	%	%	NOUN
fsr-3860	113	24	assets	asset	NOUN
fsr-3860	113	25	,	,	PUNCT
fsr-3860	113	26	%	%	NOUN
fsr-3860	113	27	capital	capital	NOUN
fsr-3860	113	28	,	,	PUNCT
fsr-3860	113	29	%	%	INTJ
fsr-3860	113	30	all	all	DET
fsr-3860	113	31	corporate	corporate	ADJ
fsr-3860	113	32	credit	credit	NOUN
fsr-3860	113	33	unions	union	NOUN
fsr-3860	113	34	75.8	75.8	NUM
fsr-3860	113	35	68.6	68.6	NUM
fsr-3860	113	36	522.8	522.8	NUM
fsr-3860	113	37	all	all	DET
fsr-3860	113	38	natural	natural	ADJ
fsr-3860	113	39	person	person	NOUN
fsr-3860	113	40	credit	credit	NOUN
fsr-3860	113	41	unions	union	NOUN
fsr-3860	113	42	:	:	PUNCT
fsr-3860	113	43	42.5	42.5	NUM
fsr-3860	113	44	9.0	9.0	NUM
fsr-3860	113	45	75.0	75.0	NUM
fsr-3860	113	46	assets	asset	NOUN
fsr-3860	113	47	under	under	ADP
fsr-3860	113	48	$	$	SYM
fsr-3860	113	49	10	10	NUM
fsr-3860	113	50	million	million	NUM
fsr-3860	113	51	55.5	55.5	NUM
fsr-3860	113	52	11.4	11.4	NUM
fsr-3860	113	53	85.6	85.6	NUM
fsr-3860	113	54	$	$	SYM
fsr-3860	113	55	10	10	NUM
fsr-3860	113	56	to	to	PART
fsr-3860	113	57	$	$	SYM
fsr-3860	113	58	50	50	NUM
fsr-3860	113	59	million	million	NUM
fsr-3860	113	60	33.4	33.4	NUM
fsr-3860	113	61	7.6	7.6	NUM
fsr-3860	113	62	69.5	69.5	NUM
fsr-3860	113	63	$	$	SYM
fsr-3860	113	64	50	50	NUM
fsr-3860	113	65	to	to	PART
fsr-3860	113	66	$	$	SYM
fsr-3860	113	67	100	100	NUM
fsr-3860	113	68	million	million	NUM
fsr-3860	113	69	24.9	24.9	NUM
fsr-3860	113	70	6.0	6.0	NUM
fsr-3860	113	71	57.8	57.8	NUM
fsr-3860	113	72	over	over	ADP
fsr-3860	113	73	$	$	SYM
fsr-3860	113	74	100	100	NUM
fsr-3860	113	75	million	million	NUM
fsr-3860	113	76	17.9	17.9	NUM
fsr-3860	113	77	4.6	4.6	NUM
fsr-3860	113	78	44.4	44.4	NUM
fsr-3860	113	79	source	source	NOUN
fsr-3860	113	80	:	:	PUNCT
fsr-3860	113	81	credit	credit	NOUN
fsr-3860	113	82	union	union	NOUN
fsr-3860	113	83	call	call	NOUN
fsr-3860	113	84	reports	report	NOUN
fsr-3860	113	85	(	(	PUNCT
fsr-3860	113	86	form	form	NOUN
fsr-3860	113	87	5100	5100	NUM
fsr-3860	113	88	)	)	PUNCT
fsr-3860	113	89	submitted	submit	VERB
fsr-3860	113	90	to	to	ADP
fsr-3860	113	91	the	the	DET
fsr-3860	113	92	national	national	PROPN
fsr-3860	113	93	credit	credit	PROPN
fsr-3860	113	94	union	union	PROPN
fsr-3860	113	95	administration	administration	PROPN
fsr-3860	113	96	.	.	PUNCT
fsr-3860	114	1	table	table	NOUN
fsr-3860	114	2	2	2	NUM
fsr-3860	114	3	aggregate	aggregate	ADJ
fsr-3860	114	4	corporate	corporate	ADJ
fsr-3860	114	5	credit	credit	NOUN
fsr-3860	114	6	union	union	NOUN
fsr-3860	114	7	balance	balance	NOUN
fsr-3860	114	8	sheet	sheet	NOUN
fsr-3860	114	9	millions	million	NOUN
fsr-3860	114	10	of	of	ADP
fsr-3860	114	11	dollars	dollar	NOUN
fsr-3860	114	12	as	as	ADP
fsr-3860	114	13	of	of	ADP
fsr-3860	114	14	december	december	PROPN
fsr-3860	114	15	31	31	NUM
fsr-3860	114	16	,	,	PUNCT
fsr-3860	114	17	1996	1996	NUM
fsr-3860	114	18	assets	asset	NOUN
fsr-3860	114	19	$	$	SYM
fsr-3860	114	20	48,024	48,024	NUM
fsr-3860	114	21	cash	cash	NOUN
fsr-3860	114	22	and	and	CCONJ
fsr-3860	114	23	cash	cash	NOUN
fsr-3860	114	24	equivalents	equivalent	NOUN
fsr-3860	114	25	2,260	2,260	NUM
fsr-3860	114	26	loans	loan	NOUN
fsr-3860	114	27	and	and	CCONJ
fsr-3860	114	28	investments	investment	NOUN
fsr-3860	114	29	45,270	45,270	NUM
fsr-3860	114	30	other	other	ADJ
fsr-3860	114	31	assets	asset	NOUN
fsr-3860	114	32	494	494	NUM
fsr-3860	114	33	liabilities	liability	NOUN
fsr-3860	114	34	$	$	SYM
fsr-3860	114	35	48,024	48,024	NUM
fsr-3860	114	36	member	member	NOUN
fsr-3860	114	37	deposits	deposit	NOUN
fsr-3860	114	38	37,698	37,698	NUM
fsr-3860	114	39	other	other	ADJ
fsr-3860	114	40	borrowing	borrow	VERB
fsr-3860	114	41	6,760	6,760	NUM
fsr-3860	114	42	membership	membership	NOUN
fsr-3860	114	43	capital	capital	NOUN
fsr-3860	114	44	share	share	NOUN
fsr-3860	114	45	deposits	deposit	VERB
fsr-3860	114	46	2,280	2,280	NUM
fsr-3860	114	47	other	other	ADJ
fsr-3860	114	48	capital	capital	NOUN
fsr-3860	114	49	1,286	1,286	NUM
fsr-3860	114	50	source	source	NOUN
fsr-3860	114	51	:	:	PUNCT
fsr-3860	114	52	credit	credit	NOUN
fsr-3860	114	53	union	union	NOUN
fsr-3860	114	54	call	call	NOUN
fsr-3860	114	55	reports	report	NOUN
fsr-3860	114	56	submitted	submit	VERB
fsr-3860	114	57	to	to	ADP
fsr-3860	114	58	the	the	DET
fsr-3860	114	59	national	national	PROPN
fsr-3860	114	60	credit	credit	PROPN
fsr-3860	114	61	union	union	PROPN
fsr-3860	114	62	administration	administration	NOUN
fsr-3860	114	63	.	.	PUNCT
fsr-3860	115	1	211r.j	211r.j	X
fsr-3860	115	2	.	.	PUNCT
fsr-3860	116	1	boldin	boldin	VERB
fsr-3860	116	2	et	et	PROPN
fsr-3860	116	3	al	al	PROPN
fsr-3860	116	4	.	.	PUNCT
fsr-3860	116	5	/	/	SYM
fsr-3860	116	6	financial	financial	ADJ
fsr-3860	116	7	services	service	NOUN
fsr-3860	116	8	review	review	AUX
fsr-3860	116	9	7	7	NUM
fsr-3860	116	10	(	(	PUNCT
fsr-3860	116	11	1998	1998	NUM
fsr-3860	116	12	)	)	PUNCT
fsr-3860	117	1	207–215	207–215	NUM
fsr-3860	117	2	an	an	DET
fsr-3860	117	3	example	example	NOUN
fsr-3860	117	4	,	,	PUNCT
fsr-3860	117	5	southwest	southwest	ADJ
fsr-3860	117	6	corporate	corporate	ADJ
fsr-3860	117	7	federal	federal	ADJ
fsr-3860	117	8	credit	credit	NOUN
fsr-3860	117	9	union	union	NOUN
fsr-3860	117	10	,	,	PUNCT
fsr-3860	117	11	the	the	DET
fsr-3860	117	12	third	third	ADV
fsr-3860	117	13	largest	large	ADJ
fsr-3860	117	14	corporate	corporate	ADJ
fsr-3860	117	15	credit	credit	NOUN
fsr-3860	117	16	union	union	NOUN
fsr-3860	117	17	,	,	PUNCT
fsr-3860	117	18	has	have	VERB
fsr-3860	117	19	a	a	DET
fsr-3860	117	20	negative	negative	ADJ
fsr-3860	117	21	one	one	NUM
fsr-3860	117	22	-	-	PUNCT
fsr-3860	117	23	year	year	NOUN
fsr-3860	117	24	gap	gap	NOUN
fsr-3860	117	25	position	position	NOUN
fsr-3860	117	26	of	of	ADP
fsr-3860	117	27	20.4	20.4	NUM
fsr-3860	117	28	%	%	NOUN
fsr-3860	117	29	of	of	ADP
fsr-3860	117	30	average	average	ADJ
fsr-3860	117	31	earning	earn	VERB
fsr-3860	117	32	assets	asset	NOUN
fsr-3860	117	33	.	.	PUNCT
fsr-3860	118	1	for	for	ADP
fsr-3860	118	2	repricing	reprice	VERB
fsr-3860	118	3	intervals	interval	NOUN
fsr-3860	118	4	up	up	ADP
fsr-3860	118	5	to	to	PART
fsr-3860	118	6	3	3	NUM
fsr-3860	118	7	years	year	NOUN
fsr-3860	118	8	,	,	PUNCT
fsr-3860	118	9	the	the	DET
fsr-3860	118	10	gap	gap	NOUN
fsr-3860	118	11	position	position	NOUN
fsr-3860	118	12	is234.3	is234.3	VERB
fsr-3860	118	13	%	%	NOUN
fsr-3860	118	14	.	.	PUNCT
fsr-3860	119	1	in	in	ADP
fsr-3860	119	2	fact	fact	NOUN
fsr-3860	119	3	,	,	PUNCT
fsr-3860	119	4	12	12	NUM
fsr-3860	119	5	corporate	corporate	ADJ
fsr-3860	119	6	credit	credit	NOUN
fsr-3860	119	7	unions	union	NOUN
fsr-3860	119	8	have	have	VERB
fsr-3860	119	9	3	3	NUM
fsr-3860	119	10	-	-	PUNCT
fsr-3860	119	11	year	year	NOUN
fsr-3860	119	12	gap	gap	NOUN
fsr-3860	119	13	repricing	repricing	NOUN
fsr-3860	119	14	intervals	interval	NOUN
fsr-3860	119	15	in	in	ADP
fsr-3860	119	16	excess	excess	NOUN
fsr-3860	119	17	of	of	ADP
fsr-3860	119	18	10	10	NUM
fsr-3860	119	19	%	%	NOUN
fsr-3860	119	20	of	of	ADP
fsr-3860	119	21	average	average	ADJ
fsr-3860	119	22	earning	earn	VERB
fsr-3860	119	23	assets	asset	NOUN
fsr-3860	119	24	;	;	PUNCT
fsr-3860	119	25	7	7	NUM
fsr-3860	119	26	corporates	corporate	NOUN
fsr-3860	119	27	had	have	VERB
fsr-3860	119	28	negative	negative	ADJ
fsr-3860	119	29	one	one	NUM
fsr-3860	119	30	-	-	PUNCT
fsr-3860	119	31	year	year	NOUN
fsr-3860	119	32	gap	gap	NOUN
fsr-3860	119	33	positions	position	NOUN
fsr-3860	119	34	exceeding	exceed	VERB
fsr-3860	119	35	20	20	NUM
fsr-3860	119	36	%	%	NOUN
fsr-3860	119	37	of	of	ADP
fsr-3860	119	38	average	average	ADJ
fsr-3860	119	39	earning	earn	VERB
fsr-3860	119	40	assets	asset	NOUN
fsr-3860	119	41	;	;	PUNCT
fsr-3860	119	42	and	and	CCONJ
fsr-3860	119	43	,	,	PUNCT
fsr-3860	119	44	one	one	NUM
fsr-3860	119	45	corporate	corporate	NOUN
fsr-3860	119	46	had	have	VERB
fsr-3860	119	47	a	a	DET
fsr-3860	119	48	negative	negative	ADJ
fsr-3860	119	49	one	one	NUM
fsr-3860	119	50	-	-	PUNCT
fsr-3860	119	51	year	year	NOUN
fsr-3860	119	52	gap	gap	NOUN
fsr-3860	119	53	of	of	ADP
fsr-3860	119	54	40	40	NUM
fsr-3860	119	55	%	%	NOUN
fsr-3860	119	56	.	.	PUNCT
fsr-3860	120	1	this	this	DET
fsr-3860	120	2	negative	negative	ADJ
fsr-3860	120	3	gap	gap	NOUN
fsr-3860	120	4	position	position	NOUN
fsr-3860	120	5	shows	show	VERB
fsr-3860	120	6	that	that	SCONJ
fsr-3860	120	7	interest	interest	NOUN
fsr-3860	120	8	rates	rate	NOUN
fsr-3860	120	9	paid	pay	VERB
fsr-3860	120	10	on	on	ADP
fsr-3860	120	11	the	the	DET
fsr-3860	120	12	liabilities	liability	NOUN
fsr-3860	120	13	of	of	ADP
fsr-3860	120	14	these	these	DET
fsr-3860	120	15	institutions	institution	NOUN
fsr-3860	120	16	will	will	AUX
fsr-3860	120	17	react	react	VERB
fsr-3860	120	18	more	more	ADV
fsr-3860	120	19	quickly	quickly	ADV
fsr-3860	120	20	to	to	ADP
fsr-3860	120	21	changing	change	VERB
fsr-3860	120	22	interest	interest	NOUN
fsr-3860	120	23	rates	rate	NOUN
fsr-3860	120	24	than	than	ADP
fsr-3860	120	25	those	those	PRON
fsr-3860	120	26	of	of	ADP
fsr-3860	120	27	their	their	PRON
fsr-3860	120	28	assets	asset	NOUN
fsr-3860	120	29	.	.	PUNCT
fsr-3860	121	1	thus	thus	ADV
fsr-3860	121	2	,	,	PUNCT
fsr-3860	121	3	corporate	corporate	ADJ
fsr-3860	121	4	credit	credit	NOUN
fsr-3860	121	5	unions	union	NOUN
fsr-3860	121	6	,	,	PUNCT
fsr-3860	121	7	in	in	ADP
fsr-3860	121	8	aggregate	aggregate	NOUN
fsr-3860	121	9	,	,	PUNCT
fsr-3860	121	10	may	may	AUX
fsr-3860	121	11	be	be	AUX
fsr-3860	121	12	assuming	assume	VERB
fsr-3860	121	13	interest	interest	NOUN
fsr-3860	121	14	rate	rate	NOUN
fsr-3860	121	15	risk	risk	NOUN
fsr-3860	121	16	when	when	SCONJ
fsr-3860	121	17	interest	interest	NOUN
fsr-3860	121	18	rates	rate	NOUN
fsr-3860	121	19	rise	rise	VERB
fsr-3860	121	20	.	.	PUNCT
fsr-3860	122	1	unless	unless	SCONJ
fsr-3860	122	2	derivatives	derivative	NOUN
fsr-3860	122	3	are	be	AUX
fsr-3860	122	4	properly	properly	ADV
fsr-3860	122	5	employed	employ	VERB
fsr-3860	122	6	,	,	PUNCT
fsr-3860	122	7	this	this	DET
fsr-3860	122	8	maturity	maturity	NOUN
fsr-3860	122	9	mismatch	mismatch	NOUN
fsr-3860	122	10	could	could	AUX
fsr-3860	122	11	lead	lead	VERB
fsr-3860	122	12	to	to	ADP
fsr-3860	122	13	liquidity	liquidity	NOUN
fsr-3860	122	14	problems	problem	NOUN
fsr-3860	122	15	.	.	PUNCT
fsr-3860	123	1	in	in	ADP
fsr-3860	123	2	conjunction	conjunction	NOUN
fsr-3860	123	3	with	with	ADP
fsr-3860	123	4	the	the	DET
fsr-3860	123	5	above	above	ADJ
fsr-3860	123	6	,	,	PUNCT
fsr-3860	123	7	black	black	ADJ
fsr-3860	123	8	(	(	PUNCT
fsr-3860	123	9	1994	1994	NUM
fsr-3860	123	10	)	)	PUNCT
fsr-3860	123	11	reported	report	VERB
fsr-3860	123	12	that	that	SCONJ
fsr-3860	123	13	corporate	corporate	ADJ
fsr-3860	123	14	credit	credit	NOUN
fsr-3860	123	15	unions	union	NOUN
fsr-3860	123	16	are	be	AUX
fsr-3860	123	17	assuming	assume	VERB
fsr-3860	123	18	more	more	ADJ
fsr-3860	123	19	risk	risk	NOUN
fsr-3860	123	20	in	in	ADP
fsr-3860	123	21	their	their	PRON
fsr-3860	123	22	investment	investment	NOUN
fsr-3860	123	23	practices	practice	NOUN
fsr-3860	123	24	and	and	CCONJ
fsr-3860	123	25	their	their	PRON
fsr-3860	123	26	portfolios	portfolio	NOUN
fsr-3860	123	27	than	than	ADP
fsr-3860	123	28	in	in	ADP
fsr-3860	123	29	the	the	DET
fsr-3860	123	30	past	past	NOUN
fsr-3860	123	31	.	.	PUNCT
fsr-3860	124	1	competition	competition	NOUN
fsr-3860	124	2	for	for	ADP
fsr-3860	124	3	credit	credit	NOUN
fsr-3860	124	4	unions	union	NOUN
fsr-3860	124	5	’	'	PUNCT
fsr-3860	124	6	investable	investable	ADJ
fsr-3860	124	7	funds	fund	NOUN
fsr-3860	124	8	will	will	AUX
fsr-3860	124	9	only	only	ADV
fsr-3860	124	10	create	create	VERB
fsr-3860	124	11	greater	great	ADJ
fsr-3860	124	12	incentives	incentive	NOUN
fsr-3860	124	13	for	for	ADP
fsr-3860	124	14	corporate	corporate	ADJ
fsr-3860	124	15	credit	credit	NOUN
fsr-3860	124	16	unions	union	NOUN
fsr-3860	124	17	to	to	PART
fsr-3860	124	18	take	take	VERB
fsr-3860	124	19	on	on	ADP
fsr-3860	124	20	more	more	ADJ
fsr-3860	124	21	risk	risk	NOUN
fsr-3860	124	22	,	,	PUNCT
fsr-3860	124	23	and	and	CCONJ
fsr-3860	124	24	will	will	AUX
fsr-3860	124	25	increase	increase	VERB
fsr-3860	124	26	the	the	DET
fsr-3860	124	27	use	use	NOUN
fsr-3860	124	28	of	of	ADP
fsr-3860	124	29	complex	complex	ADJ
fsr-3860	124	30	investment	investment	NOUN
fsr-3860	124	31	instruments	instrument	NOUN
fsr-3860	124	32	and	and	CCONJ
fsr-3860	124	33	strategies	strategy	NOUN
fsr-3860	124	34	.	.	PUNCT
fsr-3860	125	1	capcorp	capcorp	PROPN
fsr-3860	125	2	,	,	PUNCT
fsr-3860	125	3	for	for	ADP
fsr-3860	125	4	example	example	NOUN
fsr-3860	125	5	,	,	PUNCT
fsr-3860	125	6	had	have	VERB
fsr-3860	125	7	$	$	SYM
fsr-3860	125	8	63	63	NUM
fsr-3860	125	9	million	million	NUM
fsr-3860	125	10	in	in	ADP
fsr-3860	125	11	cmos	cmos	NOUN
fsr-3860	125	12	in	in	ADP
fsr-3860	125	13	september	september	PROPN
fsr-3860	125	14	1990	1990	NUM
fsr-3860	125	15	;	;	PUNCT
fsr-3860	125	16	by	by	ADP
fsr-3860	125	17	september	september	PROPN
fsr-3860	125	18	1994	1994	NUM
fsr-3860	125	19	,	,	PUNCT
fsr-3860	125	20	its	its	PRON
fsr-3860	125	21	holdings	holding	NOUN
fsr-3860	125	22	of	of	ADP
fsr-3860	125	23	cmos	cmos	PROPN
fsr-3860	125	24	exceeded	exceed	VERB
fsr-3860	125	25	$	$	SYM
fsr-3860	125	26	1	1	NUM
fsr-3860	125	27	billion	billion	NUM
fsr-3860	125	28	.	.	PUNCT
fsr-3860	126	1	obviously	obviously	ADV
fsr-3860	126	2	,	,	PUNCT
fsr-3860	126	3	this	this	PRON
fsr-3860	126	4	raises	raise	VERB
fsr-3860	126	5	concerns	concern	NOUN
fsr-3860	126	6	regarding	regard	VERB
fsr-3860	126	7	the	the	DET
fsr-3860	126	8	ability	ability	NOUN
fsr-3860	126	9	of	of	ADP
fsr-3860	126	10	corporate	corporate	ADJ
fsr-3860	126	11	credit	credit	NOUN
fsr-3860	126	12	unions	union	NOUN
fsr-3860	126	13	to	to	PART
fsr-3860	126	14	manage	manage	VERB
fsr-3860	126	15	more	more	ADJ
fsr-3860	126	16	complex	complex	ADJ
fsr-3860	126	17	portfolios	portfolio	NOUN
fsr-3860	126	18	,	,	PUNCT
fsr-3860	126	19	and	and	CCONJ
fsr-3860	126	20	the	the	DET
fsr-3860	126	21	ability	ability	NOUN
fsr-3860	126	22	of	of	ADP
fsr-3860	126	23	ncua	ncua	NOUN
fsr-3860	126	24	to	to	PART
fsr-3860	126	25	evaluate	evaluate	VERB
fsr-3860	126	26	and	and	CCONJ
fsr-3860	126	27	supervise	supervise	VERB
fsr-3860	126	28	the	the	DET
fsr-3860	126	29	corporates	corporate	NOUN
fsr-3860	126	30	’	’	PART
fsr-3860	126	31	risk	risk	NOUN
fsr-3860	126	32	-	-	PUNCT
fsr-3860	126	33	taking	taking	NOUN
fsr-3860	126	34	.	.	PUNCT
fsr-3860	127	1	the	the	DET
fsr-3860	127	2	black	black	ADJ
fsr-3860	127	3	(	(	PUNCT
fsr-3860	127	4	1994	1994	NUM
fsr-3860	127	5	)	)	PUNCT
fsr-3860	127	6	report	report	NOUN
fsr-3860	127	7	also	also	ADV
fsr-3860	127	8	found	find	VERB
fsr-3860	127	9	that	that	SCONJ
fsr-3860	127	10	only	only	ADV
fsr-3860	127	11	two	two	NUM
fsr-3860	127	12	corporate	corporate	ADJ
fsr-3860	127	13	credit	credit	NOUN
fsr-3860	127	14	unions	union	NOUN
fsr-3860	127	15	were	be	AUX
fsr-3860	127	16	properly	properly	ADV
fsr-3860	127	17	using	use	VERB
fsr-3860	127	18	derivative	derivative	ADJ
fsr-3860	127	19	products	product	NOUN
fsr-3860	127	20	.	.	PUNCT
fsr-3860	128	1	additionally	additionally	ADV
fsr-3860	128	2	,	,	PUNCT
fsr-3860	128	3	it	it	PRON
fsr-3860	128	4	noted	note	VERB
fsr-3860	128	5	that	that	SCONJ
fsr-3860	128	6	line	line	NOUN
fsr-3860	128	7	managers	manager	NOUN
fsr-3860	128	8	at	at	ADP
fsr-3860	128	9	corporates	corporate	NOUN
fsr-3860	128	10	agreed	agree	VERB
fsr-3860	128	11	that	that	SCONJ
fsr-3860	128	12	natural	natural	ADJ
fsr-3860	128	13	person	person	NOUN
fsr-3860	128	14	credit	credit	NOUN
fsr-3860	128	15	unions	union	NOUN
fsr-3860	128	16	and	and	CCONJ
fsr-3860	128	17	even	even	ADV
fsr-3860	128	18	some	some	DET
fsr-3860	128	19	corporates	corporate	NOUN
fsr-3860	128	20	had	have	VERB
fsr-3860	128	21	little	little	ADJ
fsr-3860	128	22	understanding	understanding	NOUN
fsr-3860	128	23	of	of	ADP
fsr-3860	128	24	the	the	DET
fsr-3860	128	25	risk	risk	NOUN
fsr-3860	128	26	and	and	CCONJ
fsr-3860	128	27	pricing	pricing	NOUN
fsr-3860	128	28	of	of	ADP
fsr-3860	128	29	many	many	ADJ
fsr-3860	128	30	financial	financial	ADJ
fsr-3860	128	31	instruments	instrument	NOUN
fsr-3860	128	32	.	.	PUNCT
fsr-3860	129	1	this	this	DET
fsr-3860	129	2	lack	lack	NOUN
fsr-3860	129	3	of	of	ADP
fsr-3860	129	4	management	management	NOUN
fsr-3860	129	5	expertise	expertise	NOUN
fsr-3860	129	6	could	could	AUX
fsr-3860	129	7	expose	expose	VERB
fsr-3860	129	8	institutions	institution	NOUN
fsr-3860	129	9	and	and	CCONJ
fsr-3860	129	10	the	the	DET
fsr-3860	129	11	ncusif	ncusif	NOUN
fsr-3860	129	12	to	to	ADP
fsr-3860	129	13	significant	significant	ADJ
fsr-3860	129	14	loses	lose	NOUN
fsr-3860	129	15	.	.	PUNCT
fsr-3860	130	1	5	5	X
fsr-3860	130	2	.	.	PUNCT
fsr-3860	130	3	potential	potential	ADJ
fsr-3860	130	4	exposure	exposure	NOUN
fsr-3860	130	5	sensitivity	sensitivity	NOUN
fsr-3860	130	6	analysis	analysis	NOUN
fsr-3860	130	7	was	be	AUX
fsr-3860	130	8	performed	perform	VERB
fsr-3860	130	9	to	to	PART
fsr-3860	130	10	examine	examine	VERB
fsr-3860	130	11	npcu	npcu	PROPN
fsr-3860	130	12	exposure	exposure	NOUN
fsr-3860	130	13	to	to	ADP
fsr-3860	130	14	the	the	DET
fsr-3860	130	15	corporates	corporate	NOUN
fsr-3860	130	16	.	.	PUNCT
fsr-3860	131	1	in	in	ADP
fsr-3860	131	2	separate	separate	ADJ
fsr-3860	131	3	simulations	simulation	NOUN
fsr-3860	131	4	,	,	PUNCT
fsr-3860	131	5	each	each	DET
fsr-3860	131	6	npcu	npcu	PROPN
fsr-3860	131	7	was	be	AUX
fsr-3860	131	8	assumed	assume	VERB
fsr-3860	131	9	to	to	PART
fsr-3860	131	10	suffer	suffer	VERB
fsr-3860	131	11	a	a	DET
fsr-3860	131	12	(	(	PUNCT
fsr-3860	131	13	1	1	NUM
fsr-3860	131	14	)	)	PUNCT
fsr-3860	131	15	5	5	NUM
fsr-3860	131	16	%	%	NOUN
fsr-3860	131	17	,	,	PUNCT
fsr-3860	131	18	and	and	CCONJ
fsr-3860	131	19	(	(	PUNCT
fsr-3860	131	20	2	2	NUM
fsr-3860	131	21	)	)	PUNCT
fsr-3860	131	22	10	10	NUM
fsr-3860	131	23	%	%	NOUN
fsr-3860	131	24	loss	loss	NOUN
fsr-3860	131	25	on	on	ADP
fsr-3860	131	26	its	its	PRON
fsr-3860	131	27	investment	investment	NOUN
fsr-3860	131	28	in	in	ADP
fsr-3860	131	29	a	a	DET
fsr-3860	131	30	corporate	corporate	NOUN
fsr-3860	131	31	.	.	PUNCT
fsr-3860	132	1	the	the	DET
fsr-3860	132	2	two	two	NUM
fsr-3860	132	3	simulations	simulation	NOUN
fsr-3860	132	4	supposed	suppose	VERB
fsr-3860	132	5	that	that	SCONJ
fsr-3860	132	6	each	each	DET
fsr-3860	132	7	npcu	npcu	PROPN
fsr-3860	132	8	’s	’s	PART
fsr-3860	132	9	capital	capital	NOUN
fsr-3860	132	10	was	be	AUX
fsr-3860	132	11	reduced	reduce	VERB
fsr-3860	132	12	by	by	ADP
fsr-3860	132	13	five	five	NUM
fsr-3860	132	14	/	/	SYM
fsr-3860	132	15	ten	ten	NUM
fsr-3860	132	16	percent	percent	NOUN
fsr-3860	132	17	of	of	ADP
fsr-3860	132	18	its	its	PRON
fsr-3860	132	19	investment	investment	NOUN
fsr-3860	132	20	in	in	ADP
fsr-3860	132	21	a	a	DET
fsr-3860	132	22	corporate	corporate	NOUN
fsr-3860	132	23	.	.	PUNCT
fsr-3860	133	1	the	the	DET
fsr-3860	133	2	calculations	calculation	NOUN
fsr-3860	133	3	used	use	VERB
fsr-3860	133	4	end	end	NOUN
fsr-3860	133	5	-	-	PUNCT
fsr-3860	133	6	of1996	of1996	ADJ
fsr-3860	133	7	“	"	PUNCT
fsr-3860	133	8	call	call	NOUN
fsr-3860	133	9	report	report	NOUN
fsr-3860	133	10	”	"	PUNCT
fsr-3860	133	11	data	datum	NOUN
fsr-3860	133	12	on	on	ADP
fsr-3860	133	13	the	the	DET
fsr-3860	133	14	balance	balance	NOUN
fsr-3860	133	15	sheets	sheet	NOUN
fsr-3860	133	16	of	of	ADP
fsr-3860	133	17	every	every	DET
fsr-3860	133	18	npcu	npcu	PROPN
fsr-3860	133	19	(	(	PUNCT
fsr-3860	133	20	as	as	SCONJ
fsr-3860	133	21	reported	report	VERB
fsr-3860	133	22	to	to	ADP
fsr-3860	133	23	the	the	DET
fsr-3860	133	24	ncua	ncua	NOUN
fsr-3860	133	25	table	table	NOUN
fsr-3860	133	26	3	3	NUM
fsr-3860	133	27	corporate	corporate	ADJ
fsr-3860	133	28	credit	credit	NOUN
fsr-3860	133	29	union	union	NOUN
fsr-3860	133	30	capital	capital	NOUN
fsr-3860	133	31	-	-	PUNCT
fsr-3860	133	32	to	to	ADP
fsr-3860	133	33	-	-	PUNCT
fsr-3860	133	34	assets	asset	NOUN
fsr-3860	133	35	ratios	ratio	NOUN
fsr-3860	133	36	:	:	PUNCT
fsr-3860	133	37	distribution	distribution	NOUN
fsr-3860	133	38	as	as	ADP
fsr-3860	133	39	of	of	ADP
fsr-3860	133	40	december	december	PROPN
fsr-3860	133	41	31	31	NUM
fsr-3860	133	42	,	,	PUNCT
fsr-3860	133	43	1996	1996	NUM
fsr-3860	133	44	core	core	NOUN
fsr-3860	133	45	capital*-toassets	capital*-toasset	NOUN
fsr-3860	133	46	ratio	ratio	NOUN
fsr-3860	133	47	number	number	NOUN
fsr-3860	133	48	of	of	ADP
fsr-3860	133	49	institutions	institution	NOUN
fsr-3860	133	50	aggregate	aggregate	VERB
fsr-3860	133	51	assets	asset	NOUN
fsr-3860	133	52	(	(	PUNCT
fsr-3860	133	53	$	$	SYM
fsr-3860	133	54	in	in	ADP
fsr-3860	133	55	billions	billion	NOUN
fsr-3860	133	56	)	)	PUNCT
fsr-3860	133	57	1.5	1.5	NUM
fsr-3860	133	58	%	%	NOUN
fsr-3860	133	59	1	1	NUM
fsr-3860	133	60	17.9	17.9	NUM
fsr-3860	133	61	2%–3	2%–3	NOUN
fsr-3860	133	62	%	%	NOUN
fsr-3860	133	63	11	11	NUM
fsr-3860	133	64	4.9	4.9	NUM
fsr-3860	133	65	3%–4	3%–4	NUM
fsr-3860	133	66	%	%	NOUN
fsr-3860	133	67	20	20	NUM
fsr-3860	133	68	23.7	23.7	NUM
fsr-3860	133	69	4%–5	4%–5	NUM
fsr-3860	133	70	%	%	NOUN
fsr-3860	133	71	9	9	NUM
fsr-3860	133	72	1.5	1.5	NUM
fsr-3860	133	73	*	*	PUNCT
fsr-3860	133	74	capital	capital	NOUN
fsr-3860	133	75	does	do	AUX
fsr-3860	133	76	not	not	PART
fsr-3860	133	77	include	include	VERB
fsr-3860	133	78	“	"	PUNCT
fsr-3860	133	79	member	member	NOUN
fsr-3860	133	80	capital	capital	NOUN
fsr-3860	133	81	share	share	NOUN
fsr-3860	133	82	deposits	deposit	NOUN
fsr-3860	133	83	.	.	PUNCT
fsr-3860	133	84	”	"	PUNCT
fsr-3860	134	1	source	source	NOUN
fsr-3860	134	2	:	:	PUNCT
fsr-3860	134	3	credit	credit	NOUN
fsr-3860	134	4	union	union	NOUN
fsr-3860	134	5	call	call	NOUN
fsr-3860	134	6	reports	report	NOUN
fsr-3860	134	7	submitted	submit	VERB
fsr-3860	134	8	to	to	ADP
fsr-3860	134	9	the	the	DET
fsr-3860	134	10	national	national	PROPN
fsr-3860	134	11	credit	credit	PROPN
fsr-3860	134	12	union	union	PROPN
fsr-3860	134	13	administration	administration	NOUN
fsr-3860	134	14	.	.	PUNCT
fsr-3860	135	1	212	212	NUM
fsr-3860	135	2	r.j	r.j	PROPN
fsr-3860	135	3	.	.	PROPN
fsr-3860	135	4	boldin	boldin	PROPN
fsr-3860	135	5	et	et	PROPN
fsr-3860	135	6	al	al	PROPN
fsr-3860	135	7	.	.	PUNCT
fsr-3860	135	8	/	/	SYM
fsr-3860	135	9	financial	financial	ADJ
fsr-3860	135	10	services	service	NOUN
fsr-3860	135	11	review	review	VERB
fsr-3860	135	12	7	7	NUM
fsr-3860	135	13	(	(	PUNCT
fsr-3860	135	14	1998	1998	NUM
fsr-3860	135	15	)	)	PUNCT
fsr-3860	136	1	207–215	207–215	NUM
fsr-3860	136	2	semi	semi	ADJ
fsr-3860	136	3	-	-	ADJ
fsr-3860	136	4	annually	annually	ADV
fsr-3860	136	5	by	by	ADP
fsr-3860	136	6	the	the	DET
fsr-3860	136	7	npcus	npcus	NOUN
fsr-3860	136	8	)	)	PUNCT
fsr-3860	136	9	.	.	PUNCT
fsr-3860	137	1	then	then	ADV
fsr-3860	137	2	,	,	PUNCT
fsr-3860	137	3	an	an	DET
fsr-3860	137	4	institution	institution	NOUN
fsr-3860	137	5	was	be	AUX
fsr-3860	137	6	identified	identify	VERB
fsr-3860	137	7	as	as	ADP
fsr-3860	137	8	having	have	VERB
fsr-3860	137	9	significant	significant	ADJ
fsr-3860	137	10	exposure	exposure	NOUN
fsr-3860	137	11	if	if	SCONJ
fsr-3860	137	12	the	the	DET
fsr-3860	137	13	write	write	NOUN
fsr-3860	137	14	-	-	PUNCT
fsr-3860	137	15	down	down	NOUN
fsr-3860	137	16	could	could	AUX
fsr-3860	137	17	have	have	AUX
fsr-3860	137	18	reduced	reduce	VERB
fsr-3860	137	19	its	its	PRON
fsr-3860	137	20	capital	capital	NOUN
fsr-3860	137	21	to	to	ADP
fsr-3860	137	22	below	below	ADP
fsr-3860	137	23	four	four	NUM
fsr-3860	137	24	percent	percent	NOUN
fsr-3860	137	25	of	of	ADP
fsr-3860	137	26	assets	asset	NOUN
fsr-3860	137	27	(	(	PUNCT
fsr-3860	137	28	based	base	VERB
fsr-3860	137	29	on	on	ADP
fsr-3860	137	30	standards	standard	NOUN
fsr-3860	137	31	set	set	VERB
fsr-3860	137	32	in	in	ADP
fsr-3860	137	33	the	the	DET
fsr-3860	137	34	fdic	fdic	PROPN
fsr-3860	137	35	improvement	improvement	PROPN
fsr-3860	137	36	act	act	PROPN
fsr-3860	137	37	(	(	PUNCT
fsr-3860	137	38	fdicia	fdicia	PROPN
fsr-3860	137	39	)	)	PUNCT
fsr-3860	137	40	of	of	ADP
fsr-3860	137	41	1991	1991	NUM
fsr-3860	137	42	for	for	ADP
fsr-3860	137	43	federallyinsured	federallyinsure	VERB
fsr-3860	137	44	banks	bank	NOUN
fsr-3860	137	45	and	and	CCONJ
fsr-3860	137	46	thrifts	thrift	NOUN
fsr-3860	137	47	)	)	PUNCT
fsr-3860	137	48	.	.	PUNCT
fsr-3860	138	1	according	accord	VERB
fsr-3860	138	2	to	to	ADP
fsr-3860	138	3	fdicia	fdicia	PROPN
fsr-3860	138	4	,	,	PUNCT
fsr-3860	138	5	a	a	DET
fsr-3860	138	6	bank	bank	NOUN
fsr-3860	138	7	is	be	AUX
fsr-3860	138	8	undercapitalized	undercapitalized	ADJ
fsr-3860	138	9	if	if	SCONJ
fsr-3860	138	10	its	its	PRON
fsr-3860	138	11	leverage	leverage	NOUN
fsr-3860	138	12	ratio	ratio	NOUN
fsr-3860	138	13	falls	fall	VERB
fsr-3860	138	14	below	below	ADP
fsr-3860	138	15	4	4	NUM
fsr-3860	138	16	percent	percent	NOUN
fsr-3860	138	17	.	.	PUNCT
fsr-3860	139	1	congress	congress	PROPN
fsr-3860	139	2	has	have	AUX
fsr-3860	139	3	recently	recently	ADV
fsr-3860	139	4	mandated	mandate	VERB
fsr-3860	139	5	fdicia	fdicia	NOUN
fsr-3860	139	6	-	-	PUNCT
fsr-3860	139	7	like	like	ADJ
fsr-3860	139	8	capital	capital	NOUN
fsr-3860	139	9	standards	standard	NOUN
fsr-3860	139	10	on	on	ADP
fsr-3860	139	11	npcus	npcus	NOUN
fsr-3860	139	12	beginning	beginning	NOUN
fsr-3860	139	13	in	in	ADP
fsr-3860	139	14	2000	2000	NUM
fsr-3860	139	15	.	.	PUNCT
fsr-3860	140	1	this	this	DET
fsr-3860	140	2	analysis	analysis	NOUN
fsr-3860	140	3	does	do	AUX
fsr-3860	140	4	not	not	PART
fsr-3860	140	5	intend	intend	VERB
fsr-3860	140	6	to	to	PART
fsr-3860	140	7	suggest	suggest	VERB
fsr-3860	140	8	that	that	SCONJ
fsr-3860	140	9	all	all	DET
fsr-3860	140	10	corporate	corporate	ADJ
fsr-3860	140	11	credit	credit	NOUN
fsr-3860	140	12	unions	union	NOUN
fsr-3860	140	13	could	could	AUX
fsr-3860	140	14	suffer	suffer	VERB
fsr-3860	140	15	material	material	NOUN
fsr-3860	140	16	losses	loss	NOUN
fsr-3860	140	17	at	at	ADP
fsr-3860	140	18	the	the	DET
fsr-3860	140	19	same	same	ADJ
fsr-3860	140	20	time	time	NOUN
fsr-3860	140	21	,	,	PUNCT
fsr-3860	140	22	leading	lead	VERB
fsr-3860	140	23	to	to	ADP
fsr-3860	140	24	broad	broad	ADJ
fsr-3860	140	25	-	-	PUNCT
fsr-3860	140	26	scale	scale	NOUN
fsr-3860	140	27	losses	loss	NOUN
fsr-3860	140	28	for	for	ADP
fsr-3860	140	29	npcus	npcus	NOUN
fsr-3860	140	30	.	.	PUNCT
fsr-3860	141	1	it	it	PRON
fsr-3860	141	2	ignores	ignore	VERB
fsr-3860	141	3	the	the	DET
fsr-3860	141	4	fact	fact	NOUN
fsr-3860	141	5	that	that	SCONJ
fsr-3860	141	6	institutions	institution	NOUN
fsr-3860	141	7	would	would	AUX
fsr-3860	141	8	certainly	certainly	ADV
fsr-3860	141	9	react	react	VERB
fsr-3860	141	10	to	to	PART
fsr-3860	141	11	shore	shore	VERB
fsr-3860	141	12	up	up	ADP
fsr-3860	141	13	their	their	PRON
fsr-3860	141	14	positions	position	NOUN
fsr-3860	141	15	if	if	SCONJ
fsr-3860	141	16	they	they	PRON
fsr-3860	141	17	suffer	suffer	VERB
fsr-3860	141	18	investment	investment	NOUN
fsr-3860	141	19	losses	loss	NOUN
fsr-3860	141	20	.	.	PUNCT
fsr-3860	142	1	the	the	DET
fsr-3860	142	2	point	point	NOUN
fsr-3860	142	3	of	of	ADP
fsr-3860	142	4	the	the	DET
fsr-3860	142	5	simulation	simulation	NOUN
fsr-3860	142	6	is	be	AUX
fsr-3860	142	7	only	only	ADV
fsr-3860	142	8	to	to	PART
fsr-3860	142	9	consider	consider	VERB
fsr-3860	142	10	the	the	DET
fsr-3860	142	11	number	number	NOUN
fsr-3860	142	12	of	of	ADP
fsr-3860	142	13	institutions	institution	NOUN
fsr-3860	142	14	that	that	PRON
fsr-3860	142	15	have	have	VERB
fsr-3860	142	16	enough	enough	ADJ
fsr-3860	142	17	exposure	exposure	NOUN
fsr-3860	142	18	to	to	PART
fsr-3860	142	19	be	be	AUX
fsr-3860	142	20	significantly	significantly	ADV
fsr-3860	142	21	impacted	impact	VERB
fsr-3860	142	22	in	in	ADP
fsr-3860	142	23	case	case	NOUN
fsr-3860	142	24	any	any	DET
fsr-3860	142	25	corporate	corporate	ADJ
fsr-3860	142	26	credit	credit	NOUN
fsr-3860	142	27	union	union	NOUN
fsr-3860	142	28	suffers	suffer	VERB
fsr-3860	142	29	a	a	DET
fsr-3860	142	30	major	major	ADJ
fsr-3860	142	31	loss	loss	NOUN
fsr-3860	142	32	.	.	PUNCT
fsr-3860	143	1	supporting	support	VERB
fsr-3860	143	2	this	this	DET
fsr-3860	143	3	approach	approach	NOUN
fsr-3860	143	4	,	,	PUNCT
fsr-3860	143	5	the	the	DET
fsr-3860	143	6	u.s	u.s	PROPN
fsr-3860	143	7	.	.	PROPN
fsr-3860	143	8	department	department	PROPN
fsr-3860	143	9	of	of	ADP
fsr-3860	143	10	the	the	DET
fsr-3860	143	11	treasury	treasury	PROPN
fsr-3860	143	12	(	(	PUNCT
fsr-3860	143	13	1997	1997	NUM
fsr-3860	143	14	)	)	PUNCT
fsr-3860	143	15	commented	comment	VERB
fsr-3860	143	16	that	that	SCONJ
fsr-3860	143	17	given	give	VERB
fsr-3860	143	18	the	the	DET
fsr-3860	143	19	relative	relative	ADJ
fsr-3860	143	20	homogeneity	homogeneity	NOUN
fsr-3860	143	21	of	of	ADP
fsr-3860	143	22	the	the	DET
fsr-3860	143	23	balance	balance	NOUN
fsr-3860	143	24	sheet	sheet	NOUN
fsr-3860	143	25	of	of	ADP
fsr-3860	143	26	corporate	corporate	ADJ
fsr-3860	143	27	credit	credit	NOUN
fsr-3860	143	28	unions	union	NOUN
fsr-3860	143	29	,	,	PUNCT
fsr-3860	143	30	concentration	concentration	NOUN
fsr-3860	143	31	risk	risk	NOUN
fsr-3860	143	32	associated	associate	VERB
fsr-3860	143	33	with	with	ADP
fsr-3860	143	34	a	a	DET
fsr-3860	143	35	single	single	ADJ
fsr-3860	143	36	asset	asset	NOUN
fsr-3860	143	37	class	class	NOUN
fsr-3860	143	38	may	may	AUX
fsr-3860	143	39	be	be	AUX
fsr-3860	143	40	exacerbated	exacerbate	VERB
fsr-3860	143	41	within	within	ADP
fsr-3860	143	42	the	the	DET
fsr-3860	143	43	corporate	corporate	ADJ
fsr-3860	143	44	network	network	NOUN
fsr-3860	143	45	.	.	PUNCT
fsr-3860	144	1	the	the	DET
fsr-3860	144	2	results	result	NOUN
fsr-3860	144	3	in	in	ADP
fsr-3860	144	4	table	table	NOUN
fsr-3860	144	5	4	4	NUM
fsr-3860	144	6	suggest	suggest	VERB
fsr-3860	144	7	that	that	SCONJ
fsr-3860	144	8	a	a	DET
fsr-3860	144	9	large	large	ADJ
fsr-3860	144	10	number	number	NOUN
fsr-3860	144	11	of	of	ADP
fsr-3860	144	12	npcus	npcus	PROPN
fsr-3860	144	13	might	might	AUX
fsr-3860	144	14	,	,	PUNCT
fsr-3860	144	15	in	in	ADP
fsr-3860	144	16	fact	fact	NOUN
fsr-3860	144	17	,	,	PUNCT
fsr-3860	144	18	have	have	VERB
fsr-3860	144	19	meaningful	meaningful	ADJ
fsr-3860	144	20	exposure	exposure	NOUN
fsr-3860	144	21	to	to	ADP
fsr-3860	144	22	corporates	corporate	NOUN
fsr-3860	144	23	.	.	PUNCT
fsr-3860	145	1	without	without	ADP
fsr-3860	145	2	offsetting	offset	VERB
fsr-3860	145	3	adjustments	adjustment	NOUN
fsr-3860	145	4	,	,	PUNCT
fsr-3860	145	5	npcu	npcu	PROPN
fsr-3860	145	6	capital	capital	PROPN
fsr-3860	145	7	could	could	AUX
fsr-3860	145	8	fall	fall	VERB
fsr-3860	145	9	below	below	ADP
fsr-3860	145	10	a	a	DET
fsr-3860	145	11	4	4	NUM
fsr-3860	145	12	%	%	NOUN
fsr-3860	145	13	standard	standard	NOUN
fsr-3860	145	14	in	in	ADP
fsr-3860	145	15	124	124	NUM
fsr-3860	145	16	institutions	institution	NOUN
fsr-3860	145	17	with	with	ADP
fsr-3860	145	18	$	$	SYM
fsr-3860	145	19	0.4	0.4	NUM
fsr-3860	145	20	billion	billion	NUM
fsr-3860	145	21	of	of	ADP
fsr-3860	145	22	assets	asset	NOUN
fsr-3860	145	23	under	under	ADP
fsr-3860	145	24	a	a	DET
fsr-3860	145	25	5	5	NUM
fsr-3860	145	26	%	%	NOUN
fsr-3860	145	27	write	write	NOUN
fsr-3860	145	28	-	-	PUNCT
fsr-3860	145	29	down	down	NOUN
fsr-3860	145	30	of	of	ADP
fsr-3860	145	31	investments	investment	NOUN
fsr-3860	145	32	in	in	ADP
fsr-3860	145	33	corporates	corporate	NOUN
fsr-3860	145	34	,	,	PUNCT
fsr-3860	145	35	and	and	CCONJ
fsr-3860	145	36	in	in	ADP
fsr-3860	145	37	300	300	NUM
fsr-3860	145	38	institutions	institution	NOUN
fsr-3860	145	39	with	with	ADP
fsr-3860	145	40	$	$	SYM
fsr-3860	145	41	1.5	1.5	NUM
fsr-3860	145	42	billion	billion	NUM
fsr-3860	145	43	of	of	ADP
fsr-3860	145	44	assets	asset	NOUN
fsr-3860	145	45	under	under	ADP
fsr-3860	145	46	a	a	DET
fsr-3860	145	47	10	10	NUM
fsr-3860	145	48	%	%	NOUN
fsr-3860	145	49	write	write	NOUN
fsr-3860	145	50	-	-	PUNCT
fsr-3860	145	51	down	down	NOUN
fsr-3860	145	52	.	.	PUNCT
fsr-3860	146	1	a	a	DET
fsr-3860	146	2	5	5	NUM
fsr-3860	146	3	%	%	NOUN
fsr-3860	146	4	write	write	NOUN
fsr-3860	146	5	-	-	PUNCT
fsr-3860	146	6	down	down	NOUN
fsr-3860	146	7	could	could	AUX
fsr-3860	146	8	exhaust	exhaust	VERB
fsr-3860	146	9	the	the	DET
fsr-3860	146	10	capital	capital	NOUN
fsr-3860	146	11	of	of	ADP
fsr-3860	146	12	22	22	NUM
fsr-3860	146	13	institutions	institution	NOUN
fsr-3860	146	14	with	with	ADP
fsr-3860	146	15	$	$	SYM
fsr-3860	146	16	20	20	NUM
fsr-3860	146	17	million	million	NUM
fsr-3860	146	18	of	of	ADP
fsr-3860	146	19	assets	asset	NOUN
fsr-3860	146	20	,	,	PUNCT
fsr-3860	146	21	while	while	SCONJ
fsr-3860	146	22	a	a	DET
fsr-3860	146	23	10	10	NUM
fsr-3860	146	24	%	%	NOUN
fsr-3860	146	25	write	write	NOUN
fsr-3860	146	26	-	-	PUNCT
fsr-3860	146	27	down	down	NOUN
fsr-3860	146	28	could	could	AUX
fsr-3860	146	29	wipe	wipe	VERB
fsr-3860	146	30	out	out	ADP
fsr-3860	146	31	the	the	DET
fsr-3860	146	32	capital	capital	NOUN
fsr-3860	146	33	of	of	ADP
fsr-3860	146	34	61	61	NUM
fsr-3860	146	35	institutions	institution	NOUN
fsr-3860	146	36	with	with	ADP
fsr-3860	146	37	$	$	SYM
fsr-3860	146	38	90	90	NUM
fsr-3860	146	39	million	million	NUM
fsr-3860	146	40	of	of	ADP
fsr-3860	146	41	assets	asset	NOUN
fsr-3860	146	42	.	.	PUNCT
fsr-3860	147	1	the	the	DET
fsr-3860	147	2	impact	impact	NOUN
fsr-3860	147	3	of	of	ADP
fsr-3860	147	4	a	a	DET
fsr-3860	147	5	loss	loss	NOUN
fsr-3860	147	6	on	on	ADP
fsr-3860	147	7	a	a	DET
fsr-3860	147	8	npcu	npcu	PROPN
fsr-3860	147	9	’s	’s	PART
fsr-3860	147	10	investment	investment	NOUN
fsr-3860	147	11	in	in	ADP
fsr-3860	147	12	a	a	DET
fsr-3860	147	13	corporate	corporate	NOUN
fsr-3860	147	14	apparently	apparently	ADV
fsr-3860	147	15	would	would	AUX
fsr-3860	147	16	fall	fall	VERB
fsr-3860	147	17	disproportionately	disproportionately	ADV
fsr-3860	147	18	on	on	ADP
fsr-3860	147	19	smaller	small	ADJ
fsr-3860	147	20	npcus	npcus	NOUN
fsr-3860	147	21	,	,	PUNCT
fsr-3860	147	22	which	which	PRON
fsr-3860	147	23	are	be	AUX
fsr-3860	147	24	more	more	ADV
fsr-3860	147	25	reliant	reliant	ADJ
fsr-3860	147	26	on	on	ADP
fsr-3860	147	27	the	the	DET
fsr-3860	147	28	corporates	corporate	NOUN
fsr-3860	147	29	for	for	ADP
fsr-3860	147	30	investment	investment	NOUN
fsr-3860	147	31	services	service	NOUN
fsr-3860	147	32	.	.	PUNCT
fsr-3860	148	1	funds	fund	NOUN
fsr-3860	148	2	held	hold	VERB
fsr-3860	148	3	by	by	ADP
fsr-3860	148	4	corporates	corporate	NOUN
fsr-3860	148	5	account	account	VERB
fsr-3860	148	6	for	for	ADP
fsr-3860	148	7	most	most	ADJ
fsr-3860	148	8	of	of	ADP
fsr-3860	148	9	the	the	DET
fsr-3860	148	10	investment	investment	NOUN
fsr-3860	148	11	portfolios	portfolio	NOUN
fsr-3860	148	12	of	of	ADP
fsr-3860	148	13	half	half	DET
fsr-3860	148	14	the	the	DET
fsr-3860	148	15	npcus	npcus	NOUN
fsr-3860	148	16	with	with	ADP
fsr-3860	148	17	less	less	ADJ
fsr-3860	148	18	than	than	ADP
fsr-3860	148	19	$	$	SYM
fsr-3860	148	20	10	10	NUM
fsr-3860	148	21	million	million	NUM
fsr-3860	148	22	in	in	ADP
fsr-3860	148	23	assets	asset	NOUN
fsr-3860	148	24	,	,	PUNCT
fsr-3860	148	25	compared	compare	VERB
fsr-3860	148	26	to	to	ADP
fsr-3860	148	27	less	less	ADJ
fsr-3860	148	28	than	than	ADP
fsr-3860	148	29	one	one	NUM
fsr-3860	148	30	-	-	PUNCT
fsr-3860	148	31	fifth	fifth	NOUN
fsr-3860	148	32	for	for	ADP
fsr-3860	148	33	half	half	NOUN
fsr-3860	148	34	of	of	ADP
fsr-3860	148	35	the	the	DET
fsr-3860	148	36	npcus	npcus	NOUN
fsr-3860	148	37	over	over	ADP
fsr-3860	148	38	$	$	SYM
fsr-3860	148	39	50	50	NUM
fsr-3860	148	40	million	million	NUM
fsr-3860	148	41	in	in	ADP
fsr-3860	148	42	assets	asset	NOUN
fsr-3860	148	43	.	.	PUNCT
fsr-3860	149	1	under	under	ADP
fsr-3860	149	2	either	either	CCONJ
fsr-3860	149	3	write	write	VERB
fsr-3860	149	4	-	-	PUNCT
fsr-3860	149	5	down	down	NOUN
fsr-3860	149	6	,	,	PUNCT
fsr-3860	149	7	most	most	ADJ
fsr-3860	149	8	of	of	ADP
fsr-3860	149	9	the	the	DET
fsr-3860	149	10	npcus	npcus	NOUN
fsr-3860	149	11	whose	whose	DET
fsr-3860	149	12	capital	capital	NOUN
fsr-3860	149	13	could	could	AUX
fsr-3860	149	14	become	become	VERB
fsr-3860	149	15	inadequate	inadequate	ADJ
fsr-3860	149	16	have	have	VERB
fsr-3860	149	17	less	less	ADJ
fsr-3860	149	18	than	than	ADP
fsr-3860	149	19	$	$	SYM
fsr-3860	149	20	10	10	NUM
fsr-3860	149	21	million	million	NUM
fsr-3860	149	22	of	of	ADP
fsr-3860	149	23	assets	asset	NOUN
fsr-3860	149	24	.	.	PUNCT
fsr-3860	150	1	if	if	SCONJ
fsr-3860	150	2	larger	large	ADJ
fsr-3860	150	3	credit	credit	NOUN
fsr-3860	150	4	unions	union	NOUN
fsr-3860	150	5	continue	continue	VERB
fsr-3860	150	6	to	to	PART
fsr-3860	150	7	have	have	VERB
fsr-3860	150	8	less	less	ADJ
fsr-3860	150	9	exposure	exposure	NOUN
fsr-3860	150	10	to	to	ADP
fsr-3860	150	11	the	the	DET
fsr-3860	150	12	corporates	corporate	NOUN
fsr-3860	150	13	,	,	PUNCT
fsr-3860	150	14	then	then	ADV
fsr-3860	150	15	the	the	DET
fsr-3860	150	16	widespread	widespread	ADJ
fsr-3860	150	17	consolidation	consolidation	NOUN
fsr-3860	150	18	movement	movement	NOUN
fsr-3860	150	19	within	within	ADP
fsr-3860	150	20	the	the	DET
fsr-3860	150	21	industry	industry	NOUN
fsr-3860	150	22	may	may	AUX
fsr-3860	150	23	help	help	VERB
fsr-3860	150	24	to	to	PART
fsr-3860	150	25	alleviate	alleviate	VERB
fsr-3860	150	26	this	this	DET
fsr-3860	150	27	exposure	exposure	NOUN
fsr-3860	150	28	.	.	PUNCT
fsr-3860	151	1	a	a	DET
fsr-3860	151	2	1998	1998	NUM
fsr-3860	151	3	decision	decision	NOUN
fsr-3860	151	4	by	by	ADP
fsr-3860	151	5	the	the	DET
fsr-3860	151	6	united	united	PROPN
fsr-3860	151	7	states	states	PROPN
fsr-3860	151	8	supreme	supreme	PROPN
fsr-3860	151	9	court	court	PROPN
fsr-3860	151	10	innational	innational	PROPN
fsr-3860	151	11	credit	credit	PROPN
fsr-3860	151	12	union	union	PROPN
fsr-3860	151	13	administration	administration	PROPN
fsr-3860	151	14	v.	v.	ADP
fsr-3860	151	15	first	first	PROPN
fsr-3860	151	16	national	national	PROPN
fsr-3860	151	17	bank	bank	PROPN
fsr-3860	151	18	&	&	CCONJ
fsr-3860	151	19	trust	trust	PROPN
fsr-3860	151	20	co.	co.	PROPN
fsr-3860	151	21	(	(	PUNCT
fsr-3860	151	22	1998	1998	NUM
fsr-3860	151	23	)	)	PUNCT
fsr-3860	151	24	slowed	slow	VERB
fsr-3860	151	25	this	this	DET
fsr-3860	151	26	consolidation	consolidation	NOUN
fsr-3860	151	27	by	by	ADP
fsr-3860	151	28	limiting	limit	VERB
fsr-3860	151	29	future	future	ADJ
fsr-3860	151	30	mergers	merger	NOUN
fsr-3860	151	31	of	of	ADP
fsr-3860	151	32	occupation	occupation	NOUN
fsr-3860	151	33	-	-	PUNCT
fsr-3860	151	34	orassociation	orassociation	NOUN
fsr-3860	151	35	-	-	PUNCT
fsr-3860	151	36	based	base	VERB
fsr-3860	151	37	federal	federal	ADJ
fsr-3860	151	38	credit	credit	NOUN
fsr-3860	151	39	unions	union	NOUN
fsr-3860	151	40	to	to	ADP
fsr-3860	151	41	only	only	ADV
fsr-3860	151	42	those	those	PRON
fsr-3860	151	43	which	which	PRON
fsr-3860	151	44	result	result	VERB
fsr-3860	151	45	in	in	ADP
fsr-3860	151	46	membership	membership	NOUN
fsr-3860	151	47	from	from	ADP
fsr-3860	151	48	a	a	DET
fsr-3860	151	49	table	table	NOUN
fsr-3860	151	50	4	4	NUM
fsr-3860	151	51	simulated	simulated	ADJ
fsr-3860	151	52	impact	impact	NOUN
fsr-3860	151	53	of	of	ADP
fsr-3860	151	54	a	a	DET
fsr-3860	151	55	loss	loss	NOUN
fsr-3860	151	56	on	on	ADP
fsr-3860	151	57	natural	natural	ADJ
fsr-3860	151	58	person	person	NOUN
fsr-3860	151	59	credit	credit	NOUN
fsr-3860	151	60	union	union	NOUN
fsr-3860	151	61	funds	fund	NOUN
fsr-3860	151	62	invested	invest	VERB
fsr-3860	151	63	in	in	ADP
fsr-3860	151	64	corporate	corporate	ADJ
fsr-3860	151	65	credit	credit	NOUN
fsr-3860	151	66	unions	union	NOUN
fsr-3860	151	67	credit	credit	NOUN
fsr-3860	151	68	unions	union	NOUN
fsr-3860	151	69	whose	whose	DET
fsr-3860	151	70	capital	capital	NOUN
fsr-3860	151	71	-	-	PUNCT
fsr-3860	151	72	to	to	ADP
fsr-3860	151	73	-	-	PUNCT
fsr-3860	151	74	assets	asset	NOUN
fsr-3860	151	75	ratio	ratio	NOUN
fsr-3860	151	76	could	could	AUX
fsr-3860	151	77	fall	fall	VERB
fsr-3860	151	78	to	to	ADP
fsr-3860	151	79	:	:	PUNCT
fsr-3860	151	80	five	five	NUM
fsr-3860	151	81	percent	percent	NOUN
fsr-3860	151	82	loss	loss	NOUN
fsr-3860	151	83	ten	ten	NUM
fsr-3860	151	84	percent	percent	NOUN
fsr-3860	151	85	loss	loss	NOUN
fsr-3860	151	86	number	number	NOUN
fsr-3860	151	87	assets	asset	NOUN
fsr-3860	151	88	(	(	PUNCT
fsr-3860	151	89	$	$	SYM
fsr-3860	151	90	millions	million	NOUN
fsr-3860	151	91	)	)	PUNCT
fsr-3860	151	92	number	number	NOUN
fsr-3860	151	93	assets	asset	NOUN
fsr-3860	151	94	(	(	PUNCT
fsr-3860	151	95	$	$	SYM
fsr-3860	151	96	millions	million	NOUN
fsr-3860	151	97	)	)	PUNCT
fsr-3860	151	98	under	under	ADP
fsr-3860	151	99	0	0	NUM
fsr-3860	151	100	%	%	NOUN
fsr-3860	151	101	22	22	NUM
fsr-3860	151	102	20	20	NUM
fsr-3860	151	103	61	61	NUM
fsr-3860	151	104	90	90	NUM
fsr-3860	151	105	0	0	NUM
fsr-3860	151	106	%	%	NOUN
fsr-3860	151	107	to	to	PART
fsr-3860	151	108	2	2	NUM
fsr-3860	151	109	%	%	NOUN
fsr-3860	151	110	37	37	NUM
fsr-3860	151	111	100	100	NUM
fsr-3860	151	112	62	62	NUM
fsr-3860	151	113	270	270	NUM
fsr-3860	151	114	2	2	NUM
fsr-3860	151	115	%	%	NOUN
fsr-3860	151	116	to	to	PART
fsr-3860	151	117	4	4	NUM
fsr-3860	151	118	%	%	NOUN
fsr-3860	151	119	65	65	NUM
fsr-3860	151	120	240	240	NUM
fsr-3860	151	121	177	177	NUM
fsr-3860	151	122	1,170	1,170	NUM
fsr-3860	151	123	note	note	NOUN
fsr-3860	151	124	:	:	PUNCT
fsr-3860	151	125	simulation	simulation	NOUN
fsr-3860	151	126	based	base	VERB
fsr-3860	151	127	on	on	ADP
fsr-3860	151	128	december	december	PROPN
fsr-3860	151	129	1996	1996	NUM
fsr-3860	151	130	credit	credit	NOUN
fsr-3860	151	131	union	union	NOUN
fsr-3860	151	132	call	call	NOUN
fsr-3860	151	133	report	report	NOUN
fsr-3860	151	134	data	datum	NOUN
fsr-3860	151	135	.	.	PUNCT
fsr-3860	152	1	213r.j	213r.j	X
fsr-3860	152	2	.	.	PUNCT
fsr-3860	153	1	boldin	boldin	VERB
fsr-3860	153	2	et	et	PROPN
fsr-3860	153	3	al	al	PROPN
fsr-3860	153	4	.	.	PUNCT
fsr-3860	153	5	/	/	SYM
fsr-3860	153	6	financial	financial	ADJ
fsr-3860	153	7	services	service	NOUN
fsr-3860	153	8	review	review	AUX
fsr-3860	153	9	7	7	NUM
fsr-3860	153	10	(	(	PUNCT
fsr-3860	153	11	1998	1998	NUM
fsr-3860	153	12	)	)	PUNCT
fsr-3860	154	1	207–215	207–215	NUM
fsr-3860	154	2	single	single	ADJ
fsr-3860	154	3	group	group	NOUN
fsr-3860	154	4	.	.	PUNCT
fsr-3860	155	1	the	the	DET
fsr-3860	155	2	1998	1998	NUM
fsr-3860	155	3	supreme	supreme	PROPN
fsr-3860	155	4	court	court	PROPN
fsr-3860	155	5	decision	decision	NOUN
fsr-3860	155	6	was	be	AUX
fsr-3860	155	7	overturned	overturn	VERB
fsr-3860	155	8	by	by	ADP
fsr-3860	155	9	the	the	DET
fsr-3860	155	10	credit	credit	NOUN
fsr-3860	155	11	union	union	NOUN
fsr-3860	155	12	membership	membership	NOUN
fsr-3860	155	13	access	access	PROPN
fsr-3860	155	14	act	act	PROPN
fsr-3860	155	15	of	of	ADP
fsr-3860	155	16	1998	1998	NUM
fsr-3860	155	17	,	,	PUNCT
fsr-3860	155	18	which	which	PRON
fsr-3860	155	19	was	be	AUX
fsr-3860	155	20	signed	sign	VERB
fsr-3860	155	21	into	into	ADP
fsr-3860	155	22	law	law	NOUN
fsr-3860	155	23	in	in	ADP
fsr-3860	155	24	august	august	PROPN
fsr-3860	155	25	1998	1998	NUM
fsr-3860	155	26	.	.	PUNCT
fsr-3860	156	1	6	6	NUM
fsr-3860	156	2	.	.	PUNCT
fsr-3860	156	3	conclusions	conclusion	NOUN
fsr-3860	156	4	the	the	DET
fsr-3860	156	5	findings	finding	NOUN
fsr-3860	156	6	of	of	ADP
fsr-3860	156	7	this	this	DET
fsr-3860	156	8	analysis	analysis	NOUN
fsr-3860	156	9	suggest	suggest	VERB
fsr-3860	156	10	that	that	SCONJ
fsr-3860	156	11	the	the	DET
fsr-3860	156	12	structure	structure	NOUN
fsr-3860	156	13	of	of	ADP
fsr-3860	156	14	the	the	DET
fsr-3860	156	15	credit	credit	NOUN
fsr-3860	156	16	union	union	NOUN
fsr-3860	156	17	industry	industry	NOUN
fsr-3860	156	18	imposes	impose	VERB
fsr-3860	156	19	interlocking	interlock	VERB
fsr-3860	156	20	risks	risk	NOUN
fsr-3860	156	21	on	on	ADP
fsr-3860	156	22	the	the	DET
fsr-3860	156	23	system	system	NOUN
fsr-3860	156	24	.	.	PUNCT
fsr-3860	157	1	the	the	DET
fsr-3860	157	2	soundness	soundness	NOUN
fsr-3860	157	3	of	of	ADP
fsr-3860	157	4	every	every	DET
fsr-3860	157	5	level	level	NOUN
fsr-3860	157	6	can	can	AUX
fsr-3860	157	7	be	be	AUX
fsr-3860	157	8	affected	affect	VERB
fsr-3860	157	9	by	by	ADP
fsr-3860	157	10	instability	instability	NOUN
fsr-3860	157	11	of	of	ADP
fsr-3860	157	12	a	a	DET
fsr-3860	157	13	level	level	NOUN
fsr-3860	157	14	above	above	ADP
fsr-3860	157	15	it	it	PRON
fsr-3860	157	16	.	.	PUNCT
fsr-3860	158	1	the	the	DET
fsr-3860	158	2	forty	forty	NUM
fsr-3860	158	3	corporate	corporate	ADJ
fsr-3860	158	4	credit	credit	NOUN
fsr-3860	158	5	unions	union	NOUN
fsr-3860	158	6	depend	depend	VERB
fsr-3860	158	7	on	on	ADP
fsr-3860	158	8	the	the	DET
fsr-3860	158	9	u.s	u.s	PROPN
fsr-3860	158	10	.	.	PROPN
fsr-3860	158	11	central	central	ADJ
fsr-3860	158	12	credit	credit	NOUN
fsr-3860	158	13	union	union	NOUN
fsr-3860	158	14	,	,	PUNCT
fsr-3860	158	15	and	and	CCONJ
fsr-3860	158	16	each	each	PRON
fsr-3860	158	17	of	of	ADP
fsr-3860	158	18	the	the	DET
fsr-3860	158	19	corporates	corporate	NOUN
fsr-3860	158	20	has	have	VERB
fsr-3860	158	21	an	an	DET
fsr-3860	158	22	average	average	NOUN
fsr-3860	158	23	of	of	ADP
fsr-3860	158	24	300	300	NUM
fsr-3860	158	25	credit	credit	NOUN
fsr-3860	158	26	union	union	NOUN
fsr-3860	158	27	members	member	NOUN
fsr-3860	158	28	,	,	PUNCT
fsr-3860	158	29	ranging	range	VERB
fsr-3860	158	30	from	from	ADP
fsr-3860	158	31	27	27	NUM
fsr-3860	158	32	to	to	ADP
fsr-3860	158	33	1,263	1,263	NUM
fsr-3860	158	34	,	,	PUNCT
fsr-3860	158	35	which	which	PRON
fsr-3860	158	36	depend	depend	VERB
fsr-3860	158	37	on	on	ADP
fsr-3860	158	38	it	it	PRON
fsr-3860	158	39	.	.	PUNCT
fsr-3860	159	1	the	the	DET
fsr-3860	159	2	liquidity	liquidity	NOUN
fsr-3860	159	3	role	role	NOUN
fsr-3860	159	4	of	of	ADP
fsr-3860	159	5	each	each	DET
fsr-3860	159	6	corporate	corporate	NOUN
fsr-3860	159	7	can	can	AUX
fsr-3860	159	8	be	be	AUX
fsr-3860	159	9	especially	especially	ADV
fsr-3860	159	10	critical	critical	ADJ
fsr-3860	159	11	if	if	SCONJ
fsr-3860	159	12	a	a	DET
fsr-3860	159	13	strong	strong	ADJ
fsr-3860	159	14	economy	economy	NOUN
fsr-3860	159	15	drives	drive	VERB
fsr-3860	159	16	up	up	ADP
fsr-3860	159	17	loan	loan	NOUN
fsr-3860	159	18	demand	demand	NOUN
fsr-3860	159	19	and	and	CCONJ
fsr-3860	159	20	interest	interest	NOUN
fsr-3860	159	21	rates	rate	NOUN
fsr-3860	159	22	at	at	ADP
fsr-3860	159	23	the	the	DET
fsr-3860	159	24	same	same	ADJ
fsr-3860	159	25	time	time	NOUN
fsr-3860	159	26	,	,	PUNCT
fsr-3860	159	27	which	which	PRON
fsr-3860	159	28	is	be	AUX
fsr-3860	159	29	not	not	PART
fsr-3860	159	30	an	an	DET
fsr-3860	159	31	unlikely	unlikely	ADJ
fsr-3860	159	32	circumstance	circumstance	NOUN
fsr-3860	159	33	.	.	PUNCT
fsr-3860	160	1	as	as	SCONJ
fsr-3860	160	2	npcus	npcus	NOUN
fsr-3860	160	3	draw	draw	VERB
fsr-3860	160	4	down	down	ADP
fsr-3860	160	5	their	their	PRON
fsr-3860	160	6	reserves	reserve	NOUN
fsr-3860	160	7	at	at	ADP
fsr-3860	160	8	corporates	corporate	NOUN
fsr-3860	160	9	to	to	PART
fsr-3860	160	10	meet	meet	VERB
fsr-3860	160	11	local	local	ADJ
fsr-3860	160	12	loan	loan	NOUN
fsr-3860	160	13	demand	demand	NOUN
fsr-3860	160	14	,	,	PUNCT
fsr-3860	160	15	corporates	corporate	NOUN
fsr-3860	160	16	can	can	AUX
fsr-3860	160	17	be	be	AUX
fsr-3860	160	18	forced	force	VERB
fsr-3860	160	19	to	to	PART
fsr-3860	160	20	liquidate	liquidate	VERB
fsr-3860	160	21	investments	investment	NOUN
fsr-3860	160	22	.	.	PUNCT
fsr-3860	161	1	at	at	ADP
fsr-3860	161	2	the	the	DET
fsr-3860	161	3	same	same	ADJ
fsr-3860	161	4	time	time	NOUN
fsr-3860	161	5	,	,	PUNCT
fsr-3860	161	6	the	the	DET
fsr-3860	161	7	higher	high	ADJ
fsr-3860	161	8	interest	interest	NOUN
fsr-3860	161	9	rates	rate	NOUN
fsr-3860	161	10	could	could	AUX
fsr-3860	161	11	undermine	undermine	VERB
fsr-3860	161	12	the	the	DET
fsr-3860	161	13	values	value	NOUN
fsr-3860	161	14	of	of	ADP
fsr-3860	161	15	corporate	corporate	ADJ
fsr-3860	161	16	longer	long	ADJ
fsr-3860	161	17	-	-	PUNCT
fsr-3860	161	18	term	term	NOUN
fsr-3860	161	19	investments	investment	NOUN
fsr-3860	161	20	unless	unless	SCONJ
fsr-3860	161	21	they	they	PRON
fsr-3860	161	22	are	be	AUX
fsr-3860	161	23	adequately	adequately	ADV
fsr-3860	161	24	hedged	hedge	VERB
fsr-3860	161	25	.	.	PUNCT
fsr-3860	162	1	if	if	SCONJ
fsr-3860	162	2	corporates	corporate	NOUN
fsr-3860	162	3	suffer	suffer	VERB
fsr-3860	162	4	losses	loss	NOUN
fsr-3860	162	5	when	when	SCONJ
fsr-3860	162	6	they	they	PRON
fsr-3860	162	7	sell	sell	VERB
fsr-3860	162	8	investments	investment	NOUN
fsr-3860	162	9	to	to	PART
fsr-3860	162	10	satisfy	satisfy	VERB
fsr-3860	162	11	the	the	DET
fsr-3860	162	12	liquidity	liquidity	NOUN
fsr-3860	162	13	demands	demand	NOUN
fsr-3860	162	14	,	,	PUNCT
fsr-3860	162	15	their	their	PRON
fsr-3860	162	16	capital	capital	NOUN
fsr-3860	162	17	could	could	AUX
fsr-3860	162	18	become	become	VERB
fsr-3860	162	19	impaired	impaired	ADJ
fsr-3860	162	20	.	.	PUNCT
fsr-3860	163	1	in	in	ADP
fsr-3860	163	2	this	this	DET
fsr-3860	163	3	case	case	NOUN
fsr-3860	163	4	,	,	PUNCT
fsr-3860	163	5	corporates	corporate	NOUN
fsr-3860	163	6	could	could	AUX
fsr-3860	163	7	be	be	AUX
fsr-3860	163	8	unable	unable	ADJ
fsr-3860	163	9	to	to	PART
fsr-3860	163	10	meet	meet	VERB
fsr-3860	163	11	the	the	DET
fsr-3860	163	12	npcus	npcus	NOUN
fsr-3860	163	13	’	'	PUNCT
fsr-3860	163	14	liquidity	liquidity	NOUN
fsr-3860	163	15	needs	need	NOUN
fsr-3860	163	16	.	.	PUNCT
fsr-3860	164	1	if	if	SCONJ
fsr-3860	164	2	the	the	DET
fsr-3860	164	3	u.s	u.s	PROPN
fsr-3860	164	4	.	.	PROPN
fsr-3860	164	5	central	central	ADJ
fsr-3860	164	6	credit	credit	NOUN
fsr-3860	164	7	union	union	NOUN
fsr-3860	164	8	becomes	become	VERB
fsr-3860	164	9	illiquid	illiquid	ADJ
fsr-3860	164	10	for	for	ADP
fsr-3860	164	11	the	the	DET
fsr-3860	164	12	same	same	ADJ
fsr-3860	164	13	reason	reason	NOUN
fsr-3860	164	14	,	,	PUNCT
fsr-3860	164	15	there	there	PRON
fsr-3860	164	16	could	could	AUX
fsr-3860	164	17	conceivably	conceivably	ADV
fsr-3860	164	18	be	be	AUX
fsr-3860	164	19	much	much	ADV
fsr-3860	164	20	broader	broad	ADJ
fsr-3860	164	21	liquidity	liquidity	NOUN
fsr-3860	164	22	problems	problem	NOUN
fsr-3860	164	23	in	in	ADP
fsr-3860	164	24	the	the	DET
fsr-3860	164	25	credit	credit	NOUN
fsr-3860	164	26	union	union	NOUN
fsr-3860	164	27	industry	industry	NOUN
fsr-3860	164	28	.	.	PUNCT
fsr-3860	165	1	in	in	ADP
fsr-3860	165	2	many	many	ADJ
fsr-3860	165	3	ways	way	NOUN
fsr-3860	165	4	,	,	PUNCT
fsr-3860	165	5	this	this	DET
fsr-3860	165	6	structure	structure	NOUN
fsr-3860	165	7	is	be	AUX
fsr-3860	165	8	similar	similar	ADJ
fsr-3860	165	9	to	to	ADP
fsr-3860	165	10	the	the	DET
fsr-3860	165	11	pyramiding	pyramiding	NOUN
fsr-3860	165	12	structure	structure	NOUN
fsr-3860	165	13	of	of	ADP
fsr-3860	165	14	bank	bank	NOUN
fsr-3860	165	15	reserves	reserve	NOUN
fsr-3860	165	16	under	under	ADP
fsr-3860	165	17	the	the	DET
fsr-3860	165	18	old	old	ADJ
fsr-3860	165	19	national	national	ADJ
fsr-3860	165	20	banking	banking	NOUN
fsr-3860	165	21	system	system	NOUN
fsr-3860	165	22	,	,	PUNCT
fsr-3860	165	23	which	which	PRON
fsr-3860	165	24	suffered	suffer	VERB
fsr-3860	165	25	from	from	ADP
fsr-3860	165	26	periodic	periodic	ADJ
fsr-3860	165	27	liquidity	liquidity	NOUN
fsr-3860	165	28	crises	crisis	NOUN
fsr-3860	165	29	,	,	PUNCT
fsr-3860	165	30	financial	financial	ADJ
fsr-3860	165	31	panics	panic	NOUN
fsr-3860	165	32	and	and	CCONJ
fsr-3860	165	33	banks	bank	NOUN
fsr-3860	165	34	failures	failure	NOUN
fsr-3860	165	35	.	.	PUNCT
fsr-3860	166	1	thus	thus	ADV
fsr-3860	166	2	,	,	PUNCT
fsr-3860	166	3	should	should	AUX
fsr-3860	166	4	any	any	DET
fsr-3860	166	5	single	single	ADJ
fsr-3860	166	6	corporate	corporate	NOUN
fsr-3860	166	7	become	become	NOUN
fsr-3860	166	8	destabilized	destabilize	VERB
fsr-3860	166	9	,	,	PUNCT
fsr-3860	166	10	its	its	PRON
fsr-3860	166	11	credit	credit	NOUN
fsr-3860	166	12	union	union	NOUN
fsr-3860	166	13	members	member	NOUN
fsr-3860	166	14	likewise	likewise	ADV
fsr-3860	166	15	could	could	AUX
fsr-3860	166	16	be	be	AUX
fsr-3860	166	17	destabilized	destabilize	VERB
fsr-3860	166	18	.	.	PUNCT
fsr-3860	167	1	while	while	SCONJ
fsr-3860	167	2	this	this	DET
fsr-3860	167	3	paper	paper	NOUN
fsr-3860	167	4	represents	represent	VERB
fsr-3860	167	5	a	a	DET
fsr-3860	167	6	simulation	simulation	NOUN
fsr-3860	167	7	,	,	PUNCT
fsr-3860	167	8	some	some	PRON
fsr-3860	167	9	of	of	ADP
fsr-3860	167	10	the	the	DET
fsr-3860	167	11	losses	loss	NOUN
fsr-3860	167	12	actually	actually	ADV
fsr-3860	167	13	occurred	occur	VERB
fsr-3860	167	14	.	.	PUNCT
fsr-3860	168	1	as	as	SCONJ
fsr-3860	168	2	noted	note	VERB
fsr-3860	168	3	by	by	ADP
fsr-3860	168	4	johnson	johnson	PROPN
fsr-3860	168	5	(	(	PUNCT
fsr-3860	168	6	1995	1995	NUM
fsr-3860	168	7	)	)	PUNCT
fsr-3860	168	8	,	,	PUNCT
fsr-3860	168	9	247	247	NUM
fsr-3860	168	10	of	of	ADP
fsr-3860	168	11	the	the	DET
fsr-3860	168	12	483	483	NUM
fsr-3860	168	13	credit	credit	NOUN
fsr-3860	168	14	union	union	NOUN
fsr-3860	168	15	members	member	NOUN
fsr-3860	168	16	of	of	ADP
fsr-3860	168	17	the	the	DET
fsr-3860	168	18	larger	large	ADJ
fsr-3860	168	19	corporate	corporate	NOUN
fsr-3860	168	20	that	that	PRON
fsr-3860	168	21	failed	fail	VERB
fsr-3860	168	22	in	in	ADP
fsr-3860	168	23	1995	1995	NUM
fsr-3860	168	24	suffered	suffer	VERB
fsr-3860	168	25	resultant	resultant	NOUN
fsr-3860	168	26	losses	loss	NOUN
fsr-3860	168	27	.	.	PUNCT
fsr-3860	169	1	therefore	therefore	ADV
fsr-3860	169	2	,	,	PUNCT
fsr-3860	169	3	the	the	DET
fsr-3860	169	4	existing	exist	VERB
fsr-3860	169	5	structure	structure	NOUN
fsr-3860	169	6	poses	pose	VERB
fsr-3860	169	7	potential	potential	ADJ
fsr-3860	169	8	systemic	systemic	ADJ
fsr-3860	169	9	risk	risk	NOUN
fsr-3860	169	10	in	in	ADP
fsr-3860	169	11	the	the	DET
fsr-3860	169	12	credit	credit	NOUN
fsr-3860	169	13	union	union	NOUN
fsr-3860	169	14	system	system	NOUN
fsr-3860	169	15	.	.	PUNCT
fsr-3860	170	1	given	give	VERB
fsr-3860	170	2	the	the	DET
fsr-3860	170	3	potential	potential	NOUN
fsr-3860	170	4	for	for	ADP
fsr-3860	170	5	losses	loss	NOUN
fsr-3860	170	6	,	,	PUNCT
fsr-3860	170	7	shareholder	shareholder	NOUN
fsr-3860	170	8	(	(	PUNCT
fsr-3860	170	9	depositor	depositor	NOUN
fsr-3860	170	10	)	)	PUNCT
fsr-3860	170	11	members	member	NOUN
fsr-3860	170	12	of	of	ADP
fsr-3860	170	13	any	any	DET
fsr-3860	170	14	natural	natural	ADJ
fsr-3860	170	15	person	person	NOUN
fsr-3860	170	16	credit	credit	NOUN
fsr-3860	170	17	union	union	NOUN
fsr-3860	170	18	should	should	AUX
fsr-3860	170	19	be	be	AUX
fsr-3860	170	20	aware	aware	ADJ
fsr-3860	170	21	of	of	ADP
fsr-3860	170	22	the	the	DET
fsr-3860	170	23	level	level	NOUN
fsr-3860	170	24	of	of	ADP
fsr-3860	170	25	investment	investment	NOUN
fsr-3860	170	26	of	of	ADP
fsr-3860	170	27	their	their	PRON
fsr-3860	170	28	institution	institution	NOUN
fsr-3860	170	29	in	in	ADP
fsr-3860	170	30	a	a	DET
fsr-3860	170	31	corporate	corporate	ADJ
fsr-3860	170	32	credit	credit	NOUN
fsr-3860	170	33	union	union	NOUN
fsr-3860	170	34	,	,	PUNCT
fsr-3860	170	35	and	and	CCONJ
fsr-3860	170	36	of	of	ADP
fsr-3860	170	37	the	the	DET
fsr-3860	170	38	credit	credit	NOUN
fsr-3860	170	39	union	union	NOUN
fsr-3860	170	40	’s	’s	PART
fsr-3860	170	41	dependence	dependence	NOUN
fsr-3860	170	42	on	on	ADP
fsr-3860	170	43	the	the	DET
fsr-3860	170	44	corporate	corporate	NOUN
fsr-3860	170	45	for	for	ADP
fsr-3860	170	46	liquidity	liquidity	NOUN
fsr-3860	170	47	.	.	PUNCT
fsr-3860	171	1	they	they	PRON
fsr-3860	171	2	need	need	VERB
fsr-3860	171	3	to	to	PART
fsr-3860	171	4	monitor	monitor	VERB
fsr-3860	171	5	the	the	DET
fsr-3860	171	6	capital	capital	NOUN
fsr-3860	171	7	and	and	CCONJ
fsr-3860	171	8	risk	risk	NOUN
fsr-3860	171	9	exposure	exposure	NOUN
fsr-3860	171	10	of	of	ADP
fsr-3860	171	11	any	any	DET
fsr-3860	171	12	corporate	corporate	NOUN
fsr-3860	171	13	with	with	ADP
fsr-3860	171	14	which	which	PRON
fsr-3860	171	15	their	their	PRON
fsr-3860	171	16	institution	institution	NOUN
fsr-3860	171	17	deals	deal	NOUN
fsr-3860	171	18	.	.	PUNCT
fsr-3860	172	1	since	since	SCONJ
fsr-3860	172	2	every	every	DET
fsr-3860	172	3	credit	credit	NOUN
fsr-3860	172	4	union	union	NOUN
fsr-3860	172	5	is	be	AUX
fsr-3860	172	6	owned	own	VERB
fsr-3860	172	7	by	by	ADP
fsr-3860	172	8	its	its	PRON
fsr-3860	172	9	members	member	NOUN
fsr-3860	172	10	,	,	PUNCT
fsr-3860	172	11	the	the	DET
fsr-3860	172	12	membership	membership	NOUN
fsr-3860	172	13	has	have	VERB
fsr-3860	172	14	the	the	DET
fsr-3860	172	15	right	right	NOUN
fsr-3860	172	16	and	and	CCONJ
fsr-3860	172	17	responsibility	responsibility	NOUN
fsr-3860	172	18	,	,	PUNCT
fsr-3860	172	19	acting	act	VERB
fsr-3860	172	20	though	though	SCONJ
fsr-3860	172	21	the	the	DET
fsr-3860	172	22	board	board	NOUN
fsr-3860	172	23	of	of	ADP
fsr-3860	172	24	directors	director	NOUN
fsr-3860	172	25	,	,	PUNCT
fsr-3860	172	26	to	to	PART
fsr-3860	172	27	control	control	VERB
fsr-3860	172	28	this	this	DET
fsr-3860	172	29	exposure	exposure	NOUN
fsr-3860	172	30	.	.	PUNCT
fsr-3860	173	1	the	the	DET
fsr-3860	173	2	existence	existence	NOUN
fsr-3860	173	3	of	of	ADP
fsr-3860	173	4	share	share	NOUN
fsr-3860	173	5	insurance	insurance	NOUN
fsr-3860	173	6	for	for	ADP
fsr-3860	173	7	credit	credit	NOUN
fsr-3860	173	8	union	union	NOUN
fsr-3860	173	9	members	member	NOUN
fsr-3860	173	10	,	,	PUNCT
fsr-3860	173	11	however	however	ADV
fsr-3860	173	12	,	,	PUNCT
fsr-3860	173	13	tends	tend	VERB
fsr-3860	173	14	to	to	PART
fsr-3860	173	15	reduce	reduce	VERB
fsr-3860	173	16	the	the	DET
fsr-3860	173	17	incentive	incentive	NOUN
fsr-3860	173	18	to	to	PART
fsr-3860	173	19	monitor	monitor	VERB
fsr-3860	173	20	the	the	DET
fsr-3860	173	21	behavior	behavior	NOUN
fsr-3860	173	22	of	of	ADP
fsr-3860	173	23	their	their	PRON
fsr-3860	173	24	credit	credit	NOUN
fsr-3860	173	25	union	union	NOUN
fsr-3860	173	26	.	.	PUNCT
fsr-3860	174	1	references	reference	NOUN
fsr-3860	174	2	barth	barth	PROPN
fsr-3860	174	3	,	,	PUNCT
fsr-3860	174	4	j.	j.	PROPN
fsr-3860	174	5	,	,	PUNCT
fsr-3860	174	6	hudson	hudson	PROPN
fsr-3860	174	7	,	,	PUNCT
fsr-3860	174	8	c.	c.	PROPN
fsr-3860	174	9	,	,	PUNCT
fsr-3860	174	10	and	and	CCONJ
fsr-3860	174	11	jahera	jahera	NOUN
fsr-3860	174	12	,	,	PUNCT
fsr-3860	174	13	j.	j.	PROPN
fsr-3860	174	14	(	(	PUNCT
fsr-3860	174	15	1995	1995	NUM
fsr-3860	174	16	)	)	PUNCT
fsr-3860	174	17	.	.	PUNCT
fsr-3860	175	1	s&l	s&l	NOUN
fsr-3860	175	2	closures	closure	NOUN
fsr-3860	175	3	and	and	CCONJ
fsr-3860	175	4	survivors	survivor	NOUN
fsr-3860	175	5	:	:	PUNCT
fsr-3860	175	6	are	be	AUX
fsr-3860	175	7	there	there	PRON
fsr-3860	175	8	systematic	systematic	ADJ
fsr-3860	175	9	differences	difference	NOUN
fsr-3860	175	10	in	in	ADP
fsr-3860	175	11	behavior	behavior	NOUN
fsr-3860	175	12	.	.	PUNCT
fsr-3860	176	1	in	in	ADP
fsr-3860	176	2	a.	a.	PROPN
fsr-3860	176	3	cottrell	cottrell	PROPN
fsr-3860	176	4	,	,	PUNCT
fsr-3860	176	5	m.	m.	PROPN
fsr-3860	176	6	lawlor	lawlor	PROPN
fsr-3860	176	7	&	&	CCONJ
fsr-3860	176	8	j.	j.	PROPN
fsr-3860	176	9	wood	wood	PROPN
fsr-3860	176	10	(	(	PUNCT
fsr-3860	176	11	eds.),the	eds.),the	DET
fsr-3860	176	12	causes	cause	NOUN
fsr-3860	176	13	and	and	CCONJ
fsr-3860	176	14	costs	cost	NOUN
fsr-3860	176	15	of	of	ADP
fsr-3860	176	16	depository	depository	NOUN
fsr-3860	176	17	institution	institution	NOUN
fsr-3860	176	18	failures.boston	failures.boston	PROPN
fsr-3860	176	19	:	:	PUNCT
fsr-3860	176	20	kluwer	kluwer	NOUN
fsr-3860	176	21	academic	academic	ADJ
fsr-3860	176	22	publishers	publisher	NOUN
fsr-3860	176	23	.	.	PUNCT
fsr-3860	177	1	black	black	ADJ
fsr-3860	177	2	,	,	PUNCT
fsr-3860	177	3	h.	h.	PROPN
fsr-3860	177	4	,	,	PUNCT
fsr-3860	177	5	deprince	deprince	PROPN
fsr-3860	177	6	,	,	PUNCT
fsr-3860	177	7	a.	a.	NOUN
fsr-3860	177	8	,	,	PUNCT
fsr-3860	177	9	ford	ford	PROPN
fsr-3860	177	10	,	,	PUNCT
fsr-3860	177	11	w.	w.	PROPN
fsr-3860	177	12	,	,	PUNCT
fsr-3860	177	13	kudlinski	kudlinski	PROPN
fsr-3860	177	14	,	,	PUNCT
fsr-3860	177	15	j.	j.	PROPN
fsr-3860	177	16	,	,	PUNCT
fsr-3860	177	17	&	&	CCONJ
fsr-3860	177	18	schweitzer	schweitzer	PROPN
fsr-3860	177	19	,	,	PUNCT
fsr-3860	177	20	r.	r.	PROPN
fsr-3860	177	21	(	(	PUNCT
fsr-3860	177	22	1994).corporate	1994).corporate	NUM
fsr-3860	177	23	credit	credit	NOUN
fsr-3860	177	24	union	union	NOUN
fsr-3860	177	25	network	network	NOUN
fsr-3860	177	26	investments	investment	NOUN
fsr-3860	177	27	:	:	PUNCT
fsr-3860	177	28	risks	risk	NOUN
fsr-3860	177	29	and	and	CCONJ
fsr-3860	177	30	risk	risk	NOUN
fsr-3860	177	31	management	management	NOUN
fsr-3860	177	32	.	.	PUNCT
fsr-3860	178	1	report	report	NOUN
fsr-3860	178	2	to	to	ADP
fsr-3860	178	3	the	the	DET
fsr-3860	178	4	national	national	PROPN
fsr-3860	178	5	credit	credit	PROPN
fsr-3860	178	6	union	union	PROPN
fsr-3860	178	7	administration	administration	NOUN
fsr-3860	178	8	.	.	PUNCT
fsr-3860	179	1	214	214	NUM
fsr-3860	179	2	r.j	r.j	PROPN
fsr-3860	179	3	.	.	PROPN
fsr-3860	179	4	boldin	boldin	PROPN
fsr-3860	179	5	et	et	PROPN
fsr-3860	179	6	al	al	PROPN
fsr-3860	179	7	.	.	PUNCT
fsr-3860	179	8	/	/	SYM
fsr-3860	179	9	financial	financial	ADJ
fsr-3860	179	10	services	service	NOUN
fsr-3860	179	11	review	review	VERB
fsr-3860	179	12	7	7	NUM
fsr-3860	179	13	(	(	PUNCT
fsr-3860	179	14	1998	1998	NUM
fsr-3860	179	15	)	)	PUNCT
fsr-3860	180	1	207–215	207–215	NUM
fsr-3860	180	2	carnell	carnell	PROPN
fsr-3860	180	3	,	,	PUNCT
fsr-3860	180	4	r.	r.	PROPN
fsr-3860	180	5	(	(	PUNCT
fsr-3860	180	6	1997	1997	NUM
fsr-3860	180	7	,	,	PUNCT
fsr-3860	180	8	november	november	PROPN
fsr-3860	180	9	17	17	NUM
fsr-3860	180	10	)	)	PUNCT
fsr-3860	180	11	.	.	PUNCT
fsr-3860	181	1	speech	speech	NOUN
fsr-3860	181	2	before	before	ADP
fsr-3860	181	3	the	the	DET
fsr-3860	181	4	association	association	NOUN
fsr-3860	181	5	of	of	ADP
fsr-3860	181	6	corporate	corporate	ADJ
fsr-3860	181	7	credit	credit	NOUN
fsr-3860	181	8	unions	union	NOUN
fsr-3860	181	9	annual	annual	ADJ
fsr-3860	181	10	meeting	meeting	NOUN
fsr-3860	181	11	,	,	PUNCT
fsr-3860	181	12	del	del	PROPN
fsr-3860	181	13	mar	mar	PROPN
fsr-3860	181	14	,	,	PUNCT
fsr-3860	181	15	ca	ca	PROPN
fsr-3860	181	16	.	.	PUNCT
fsr-3860	182	1	fried	fry	VERB
fsr-3860	182	2	,	,	PUNCT
fsr-3860	182	3	h.	h.	PROPN
fsr-3860	182	4	o.	o.	PROPN
fsr-3860	182	5	,	,	PUNCT
fsr-3860	182	6	lovell	lovell	PROPN
fsr-3860	182	7	,	,	PUNCT
fsr-3860	182	8	c.	c.	PROPN
fsr-3860	182	9	a.	a.	PROPN
fsr-3860	182	10	k.	k.	PROPN
fsr-3860	182	11	,	,	PUNCT
fsr-3860	182	12	&	&	CCONJ
fsr-3860	182	13	eeckaut	eeckaut	PROPN
fsr-3860	182	14	,	,	PUNCT
fsr-3860	182	15	p.	p.	NOUN
fsr-3860	182	16	v.	v.	PROPN
fsr-3860	183	1	(	(	PUNCT
fsr-3860	183	2	1993	1993	NUM
fsr-3860	183	3	)	)	PUNCT
fsr-3860	183	4	.	.	PUNCT
fsr-3860	184	1	evaluating	evaluate	VERB
fsr-3860	184	2	the	the	DET
fsr-3860	184	3	performance	performance	NOUN
fsr-3860	184	4	of	of	ADP
fsr-3860	184	5	u.s	u.s	PROPN
fsr-3860	184	6	.	.	PROPN
fsr-3860	184	7	credit	credit	NOUN
fsr-3860	184	8	unions.journal	unions.journal	PROPN
fsr-3860	184	9	of	of	ADP
fsr-3860	184	10	banking	banking	NOUN
fsr-3860	184	11	and	and	CCONJ
fsr-3860	184	12	finance	finance	NOUN
fsr-3860	184	13	17	17	NUM
fsr-3860	184	14	,	,	PUNCT
fsr-3860	184	15	251–265	251–265	NUM
fsr-3860	184	16	.	.	PUNCT
fsr-3860	185	1	fried	fry	VERB
fsr-3860	185	2	,	,	PUNCT
fsr-3860	185	3	h.	h.	PROPN
fsr-3860	185	4	o.	o.	PROPN
fsr-3860	185	5	,	,	PUNCT
fsr-3860	185	6	&	&	CCONJ
fsr-3860	185	7	lovell	lovell	PROPN
fsr-3860	185	8	,	,	PUNCT
fsr-3860	185	9	c.	c.	PROPN
fsr-3860	185	10	(	(	PUNCT
fsr-3860	185	11	1993).evaluating	1993).evaluate	VERB
fsr-3860	185	12	the	the	DET
fsr-3860	185	13	performance	performance	NOUN
fsr-3860	185	14	of	of	ADP
fsr-3860	185	15	credit	credit	NOUN
fsr-3860	185	16	unions	union	NOUN
fsr-3860	185	17	.	.	PUNCT
fsr-3860	186	1	madison	madison	PROPN
fsr-3860	186	2	:	:	PUNCT
fsr-3860	186	3	filene	filene	PROPN
fsr-3860	186	4	research	research	PROPN
fsr-3860	186	5	institute	institute	PROPN
fsr-3860	186	6	.	.	PUNCT
fsr-3860	187	1	houston	houston	PROPN
fsr-3860	187	2	,	,	PUNCT
fsr-3860	187	3	j.	j.	PROPN
fsr-3860	187	4	f.	f.	PROPN
fsr-3860	187	5	,	,	PUNCT
fsr-3860	187	6	&	&	CCONJ
fsr-3860	187	7	ryngaert	ryngaert	PROPN
fsr-3860	187	8	,	,	PUNCT
fsr-3860	187	9	m.	m.	NOUN
fsr-3860	187	10	d.	d.	PROPN
fsr-3860	187	11	(	(	PUNCT
fsr-3860	187	12	1994	1994	NUM
fsr-3860	187	13	)	)	PUNCT
fsr-3860	187	14	.	.	PUNCT
fsr-3860	188	1	the	the	DET
fsr-3860	188	2	overall	overall	ADJ
fsr-3860	188	3	gains	gain	NOUN
fsr-3860	188	4	from	from	ADP
fsr-3860	188	5	large	large	ADJ
fsr-3860	188	6	bank	bank	NOUN
fsr-3860	188	7	mergers.journal	mergers.journal	PROPN
fsr-3860	188	8	of	of	ADP
fsr-3860	188	9	banking	banking	NOUN
fsr-3860	188	10	and	and	CCONJ
fsr-3860	188	11	finance	finance	NOUN
fsr-3860	188	12	18	18	NUM
fsr-3860	188	13	,	,	PUNCT
fsr-3860	188	14	1155–1176	1155–1176	NUM
fsr-3860	188	15	.	.	PUNCT
fsr-3860	189	1	hube	hube	PROPN
fsr-3860	189	2	,	,	PUNCT
fsr-3860	189	3	k.	k.	PROPN
fsr-3860	189	4	,	,	PUNCT
fsr-3860	189	5	&	&	CCONJ
fsr-3860	189	6	murray	murray	PROPN
fsr-3860	189	7	,	,	PUNCT
fsr-3860	189	8	m.	m.	NOUN
fsr-3860	189	9	(	(	PUNCT
fsr-3860	189	10	1995	1995	NUM
fsr-3860	189	11	)	)	PUNCT
fsr-3860	189	12	.	.	PUNCT
fsr-3860	190	1	credit	credit	NOUN
fsr-3860	190	2	unions	union	NOUN
fsr-3860	190	3	still	still	ADV
fsr-3860	190	4	top	top	VERB
fsr-3860	190	5	banks	bank	NOUN
fsr-3860	190	6	on	on	ADP
fsr-3860	190	7	deals	deal	NOUN
fsr-3860	190	8	for	for	ADP
fsr-3860	190	9	basic	basic	ADJ
fsr-3860	190	10	service.the	service.the	DET
fsr-3860	190	11	wall	wall	PROPN
fsr-3860	190	12	street	street	PROPN
fsr-3860	190	13	journal	journal	PROPN
fsr-3860	190	14	,	,	PUNCT
fsr-3860	190	15	march	march	PROPN
fsr-3860	190	16	3	3	NUM
fsr-3860	190	17	.	.	PUNCT
fsr-3860	191	1	johnson	johnson	PROPN
fsr-3860	191	2	,	,	PUNCT
fsr-3860	191	3	r.	r.	PROPN
fsr-3860	191	4	(	(	PUNCT
fsr-3860	191	5	1995	1995	NUM
fsr-3860	191	6	,	,	PUNCT
fsr-3860	191	7	march	march	PROPN
fsr-3860	191	8	8).impact	8).impact	NUM
fsr-3860	191	9	on	on	ADP
fsr-3860	191	10	the	the	DET
fsr-3860	191	11	condition	condition	NOUN
fsr-3860	191	12	of	of	ADP
fsr-3860	191	13	the	the	DET
fsr-3860	191	14	credit	credit	NOUN
fsr-3860	191	15	union	union	NOUN
fsr-3860	191	16	industry	industry	NOUN
fsr-3860	191	17	and	and	CCONJ
fsr-3860	191	18	the	the	DET
fsr-3860	191	19	national	national	PROPN
fsr-3860	191	20	credit	credit	PROPN
fsr-3860	191	21	union	union	PROPN
fsr-3860	191	22	share	share	NOUN
fsr-3860	191	23	insurance	insurance	NOUN
fsr-3860	191	24	fund	fund	NOUN
fsr-3860	191	25	,	,	PUNCT
fsr-3860	191	26	adequacy	adequacy	NOUN
fsr-3860	191	27	of	of	ADP
fsr-3860	191	28	national	national	ADJ
fsr-3860	191	29	credit	credit	PROPN
fsr-3860	191	30	union	union	PROPN
fsr-3860	191	31	administration	administration	PROPN
fsr-3860	191	32	supervision	supervision	NOUN
fsr-3860	191	33	and	and	CCONJ
fsr-3860	191	34	regulatory	regulatory	ADJ
fsr-3860	191	35	program	program	NOUN
fsr-3860	191	36	,	,	PUNCT
fsr-3860	191	37	and	and	CCONJ
fsr-3860	191	38	actions	action	NOUN
fsr-3860	191	39	to	to	PART
fsr-3860	191	40	prevent	prevent	VERB
fsr-3860	191	41	failures	failure	NOUN
fsr-3860	191	42	in	in	ADP
fsr-3860	191	43	the	the	DET
fsr-3860	191	44	future.hearings	future.hearing	NOUN
fsr-3860	191	45	on	on	ADP
fsr-3860	191	46	the	the	DET
fsr-3860	191	47	failure	failure	NOUN
fsr-3860	191	48	of	of	ADP
fsr-3860	191	49	capital	capital	NOUN
fsr-3860	191	50	corporate	corporate	ADJ
fsr-3860	191	51	federal	federal	ADJ
fsr-3860	191	52	credit	credit	NOUN
fsr-3860	191	53	union	union	NOUN
fsr-3860	191	54	.	.	PUNCT
fsr-3860	192	1	kane	kane	PROPN
fsr-3860	192	2	,	,	PUNCT
fsr-3860	192	3	e.	e.	PROPN
fsr-3860	192	4	,	,	PUNCT
fsr-3860	192	5	&	&	CCONJ
fsr-3860	192	6	hendershott	hendershott	PROPN
fsr-3860	192	7	,	,	PUNCT
fsr-3860	192	8	r.	r.	PROPN
fsr-3860	192	9	(	(	PUNCT
fsr-3860	192	10	1996	1996	NUM
fsr-3860	192	11	)	)	PUNCT
fsr-3860	192	12	.	.	PUNCT
fsr-3860	193	1	the	the	DET
fsr-3860	193	2	federal	federal	ADJ
fsr-3860	193	3	deposit	deposit	NOUN
fsr-3860	193	4	insurance	insurance	NOUN
fsr-3860	193	5	fund	fund	NOUN
fsr-3860	193	6	that	that	PRON
fsr-3860	193	7	did	do	AUX
fsr-3860	193	8	n’t	not	PART
fsr-3860	193	9	put	put	VERB
fsr-3860	193	10	a	a	DET
fsr-3860	193	11	bite	bite	NOUN
fsr-3860	193	12	on	on	ADP
fsr-3860	193	13	u.s	u.s	PROPN
fsr-3860	193	14	.	.	PROPN
fsr-3860	193	15	taxpayers	taxpayer	NOUN
fsr-3860	193	16	.	.	PUNCT
fsr-3860	194	1	journal	journal	PROPN
fsr-3860	194	2	of	of	ADP
fsr-3860	194	3	banking	banking	NOUN
fsr-3860	194	4	and	and	CCONJ
fsr-3860	194	5	finance	finance	NOUN
fsr-3860	194	6	20	20	NUM
fsr-3860	194	7	,	,	PUNCT
fsr-3860	194	8	1305–1328	1305–1328	NUM
fsr-3860	194	9	.	.	PUNCT
fsr-3860	195	1	lindgren	lindgren	PROPN
fsr-3860	195	2	,	,	PUNCT
fsr-3860	195	3	c.	c.	PROPN
fsr-3860	195	4	,	,	PUNCT
fsr-3860	195	5	garcia	garcia	PROPN
fsr-3860	195	6	,	,	PUNCT
fsr-3860	195	7	g.	g.	PROPN
fsr-3860	195	8	,	,	PUNCT
fsr-3860	195	9	&	&	CCONJ
fsr-3860	195	10	saal	saal	PROPN
fsr-3860	195	11	,	,	PUNCT
fsr-3860	195	12	m.	m.	NOUN
fsr-3860	195	13	(	(	PUNCT
fsr-3860	195	14	1996).bank	1996).bank	NUM
fsr-3860	195	15	soundness	soundness	NOUN
fsr-3860	195	16	and	and	CCONJ
fsr-3860	195	17	macroeconomic	macroeconomic	ADJ
fsr-3860	195	18	policy	policy	NOUN
fsr-3860	195	19	.	.	PUNCT
fsr-3860	196	1	washington	washington	PROPN
fsr-3860	196	2	,	,	PUNCT
fsr-3860	196	3	dc	dc	PROPN
fsr-3860	196	4	:	:	PUNCT
fsr-3860	196	5	international	international	ADJ
fsr-3860	196	6	monetary	monetary	ADJ
fsr-3860	196	7	fund	fund	PROPN
fsr-3860	196	8	.	.	PUNCT
fsr-3860	197	1	murray	murray	PROPN
fsr-3860	197	2	,	,	PUNCT
fsr-3860	197	3	j.	j.	PROPN
fsr-3860	197	4	,	,	PUNCT
fsr-3860	197	5	&	&	CCONJ
fsr-3860	197	6	white	white	PROPN
fsr-3860	197	7	,	,	PUNCT
fsr-3860	197	8	r.	r.	PROPN
fsr-3860	197	9	(	(	PUNCT
fsr-3860	197	10	1980	1980	NUM
fsr-3860	197	11	)	)	PUNCT
fsr-3860	197	12	.	.	PUNCT
fsr-3860	198	1	economies	economy	NOUN
fsr-3860	198	2	of	of	ADP
fsr-3860	198	3	scale	scale	NOUN
fsr-3860	198	4	and	and	CCONJ
fsr-3860	198	5	deposit	deposit	NOUN
fsr-3860	198	6	taking	take	VERB
fsr-3860	198	7	financial	financial	ADJ
fsr-3860	198	8	institutions	institution	NOUN
fsr-3860	198	9	in	in	ADP
fsr-3860	198	10	canada	canada	PROPN
fsr-3860	198	11	:	:	PUNCT
fsr-3860	198	12	a	a	DET
fsr-3860	198	13	study	study	NOUN
fsr-3860	198	14	of	of	ADP
fsr-3860	198	15	british	british	PROPN
fsr-3860	198	16	columbia	columbia	PROPN
fsr-3860	198	17	credit	credit	NOUN
fsr-3860	198	18	unions.journal	unions.journal	PROPN
fsr-3860	198	19	of	of	ADP
fsr-3860	198	20	money	money	NOUN
fsr-3860	198	21	,	,	PUNCT
fsr-3860	198	22	credit	credit	NOUN
fsr-3860	198	23	and	and	CCONJ
fsr-3860	198	24	banking	banking	NOUN
fsr-3860	198	25	12	12	NUM
fsr-3860	198	26	,	,	PUNCT
fsr-3860	198	27	58–70	58–70	NUM
fsr-3860	198	28	.	.	PUNCT
fsr-3860	198	29	national	national	PROPN
fsr-3860	198	30	credit	credit	PROPN
fsr-3860	198	31	union	union	PROPN
fsr-3860	198	32	administration	administration	NOUN
fsr-3860	198	33	.	.	PUNCT
fsr-3860	199	1	(	(	PUNCT
fsr-3860	199	2	1996).yearend	1996).yearend	NUM
fsr-3860	199	3	statistics	statistic	NOUN
fsr-3860	199	4	for	for	ADP
fsr-3860	199	5	federally	federally	ADV
fsr-3860	199	6	insured	insure	VERB
fsr-3860	199	7	credit	credit	NOUN
fsr-3860	199	8	unions	union	NOUN
fsr-3860	199	9	.	.	PUNCT
fsr-3860	200	1	national	national	PROPN
fsr-3860	200	2	credit	credit	PROPN
fsr-3860	200	3	union	union	PROPN
fsr-3860	200	4	administration	administration	PROPN
fsr-3860	200	5	v.	v.	ADP
fsr-3860	200	6	first	first	PROPN
fsr-3860	200	7	national	national	PROPN
fsr-3860	200	8	bank	bank	PROPN
fsr-3860	200	9	&	&	CCONJ
fsr-3860	200	10	trust	trust	PROPN
fsr-3860	200	11	co.(1998	co.(1998	PROPN
fsr-3860	200	12	)	)	PUNCT
fsr-3860	200	13	.	.	PUNCT
fsr-3860	201	1	118	118	NUM
fsr-3860	201	2	s.	s.	PROPN
fsr-3860	201	3	ct	ct	PROPN
fsr-3860	201	4	.	.	PUNCT
fsr-3860	201	5	927	927	NUM
fsr-3860	201	6	.	.	PUNCT
fsr-3860	202	1	pearce	pearce	PROPN
fsr-3860	202	2	,	,	PUNCT
fsr-3860	202	3	d.	d.	PROPN
fsr-3860	202	4	(	(	PUNCT
fsr-3860	202	5	1984	1984	NUM
fsr-3860	202	6	)	)	PUNCT
fsr-3860	202	7	.	.	PUNCT
fsr-3860	203	1	recent	recent	ADJ
fsr-3860	203	2	developments	development	NOUN
fsr-3860	203	3	in	in	ADP
fsr-3860	203	4	the	the	DET
fsr-3860	203	5	credit	credit	NOUN
fsr-3860	203	6	union	union	NOUN
fsr-3860	203	7	industry.economic	industry.economic	PROPN
fsr-3860	203	8	review	review	PROPN
fsr-3860	203	9	,	,	PUNCT
fsr-3860	203	10	federal	federal	PROPN
fsr-3860	203	11	reserve	reserve	PROPN
fsr-3860	203	12	bank	bank	PROPN
fsr-3860	203	13	of	of	ADP
fsr-3860	203	14	kansas	kansas	PROPN
fsr-3860	203	15	city	city	PROPN
fsr-3860	203	16	69	69	NUM
fsr-3860	203	17	,	,	PUNCT
fsr-3860	203	18	3–19	3–19	PROPN
fsr-3860	203	19	.	.	PUNCT
fsr-3860	203	20	smith	smith	PROPN
fsr-3860	203	21	,	,	PUNCT
fsr-3860	203	22	d.	d.	PROPN
fsr-3860	203	23	(	(	PUNCT
fsr-3860	203	24	1984	1984	NUM
fsr-3860	203	25	)	)	PUNCT
fsr-3860	203	26	.	.	PUNCT
fsr-3860	204	1	a	a	DET
fsr-3860	204	2	theoretical	theoretical	ADJ
fsr-3860	204	3	framework	framework	NOUN
fsr-3860	204	4	of	of	ADP
fsr-3860	204	5	the	the	DET
fsr-3860	204	6	analysis	analysis	NOUN
fsr-3860	204	7	of	of	ADP
fsr-3860	204	8	credit	credit	NOUN
fsr-3860	204	9	union	union	NOUN
fsr-3860	204	10	decisionmaking.the	decisionmaking.the	DET
fsr-3860	204	11	journal	journal	PROPN
fsr-3860	204	12	of	of	ADP
fsr-3860	204	13	finance	finance	NOUN
fsr-3860	204	14	39	39	NUM
fsr-3860	204	15	,	,	PUNCT
fsr-3860	204	16	1155–1168	1155–1168	NUM
fsr-3860	204	17	.	.	PUNCT
fsr-3860	204	18	stiroh	stiroh	PROPN
fsr-3860	204	19	,	,	PUNCT
fsr-3860	204	20	k.	k.	PROPN
fsr-3860	204	21	j.	j.	PROPN
fsr-3860	204	22	(	(	PUNCT
fsr-3860	204	23	1997	1997	NUM
fsr-3860	204	24	)	)	PUNCT
fsr-3860	204	25	.	.	PUNCT
fsr-3860	205	1	the	the	DET
fsr-3860	205	2	evolution	evolution	NOUN
fsr-3860	205	3	of	of	ADP
fsr-3860	205	4	an	an	DET
fsr-3860	205	5	industry	industry	NOUN
fsr-3860	205	6	:	:	PUNCT
fsr-3860	205	7	u.s	u.s	PROPN
fsr-3860	205	8	.	.	PROPN
fsr-3860	205	9	thrifts	thrift	NOUN
fsr-3860	205	10	in	in	ADP
fsr-3860	205	11	the	the	DET
fsr-3860	205	12	1990s.journal	1990s.journal	PROPN
fsr-3860	205	13	of	of	ADP
fsr-3860	205	14	banking	banking	NOUN
fsr-3860	205	15	and	and	CCONJ
fsr-3860	205	16	finance	finance	NOUN
fsr-3860	205	17	,	,	PUNCT
fsr-3860	205	18	21	21	NUM
fsr-3860	205	19	,	,	PUNCT
fsr-3860	205	20	1375–1394	1375–1394	NUM
fsr-3860	205	21	.	.	PUNCT
fsr-3860	206	1	u.s	u.s	PROPN
fsr-3860	206	2	.	.	PROPN
fsr-3860	206	3	department	department	PROPN
fsr-3860	206	4	of	of	ADP
fsr-3860	206	5	the	the	DET
fsr-3860	206	6	treasury	treasury	NOUN
fsr-3860	206	7	.	.	PUNCT
fsr-3860	207	1	(	(	PUNCT
fsr-3860	207	2	1997).credit	1997).credit	NUM
fsr-3860	207	3	unions	union	NOUN
fsr-3860	207	4	.	.	PUNCT
fsr-3860	208	1	december	december	PROPN
fsr-3860	208	2	.	.	PUNCT
fsr-3860	209	1	u.s	u.s	PROPN
fsr-3860	209	2	.	.	PROPN
fsr-3860	209	3	general	general	ADJ
fsr-3860	209	4	accounting	accounting	PROPN
fsr-3860	209	5	office	office	NOUN
fsr-3860	209	6	.	.	PUNCT
fsr-3860	210	1	(	(	PUNCT
fsr-3860	210	2	1991	1991	NUM
fsr-3860	210	3	)	)	PUNCT
fsr-3860	210	4	.	.	PUNCT
fsr-3860	211	1	credit	credit	NOUN
fsr-3860	211	2	unions	union	NOUN
fsr-3860	211	3	:	:	PUNCT
fsr-3860	211	4	reforms	reform	NOUN
fsr-3860	211	5	for	for	ADP
fsr-3860	211	6	ensuring	ensure	VERB
fsr-3860	211	7	future	future	ADJ
fsr-3860	211	8	soundness.(gao/	soundness.(gao/	PROPN
fsr-3860	211	9	ggd-91	ggd-91	NOUN
fsr-3860	211	10	-	-	PUNCT
fsr-3860	211	11	85	85	NUM
fsr-3860	211	12	)	)	PUNCT
fsr-3860	211	13	.	.	PUNCT
fsr-3860	212	1	july	july	PROPN
fsr-3860	212	2	.	.	PUNCT
fsr-3860	213	1	u.s	u.s	PROPN
fsr-3860	213	2	.	.	PROPN
fsr-3860	213	3	general	general	ADJ
fsr-3860	213	4	accounting	accounting	PROPN
fsr-3860	213	5	office	office	NOUN
fsr-3860	213	6	.	.	PUNCT
fsr-3860	214	1	(	(	PUNCT
fsr-3860	214	2	1994).corporate	1994).corporate	NUM
fsr-3860	214	3	credit	credit	NOUN
fsr-3860	214	4	unions	union	NOUN
fsr-3860	214	5	:	:	PUNCT
fsr-3860	214	6	conditions	condition	NOUN
fsr-3860	214	7	,	,	PUNCT
fsr-3860	214	8	issues	issue	NOUN
fsr-3860	214	9	,	,	PUNCT
fsr-3860	214	10	and	and	CCONJ
fsr-3860	214	11	concerns	concern	NOUN
fsr-3860	214	12	.	.	PUNCT
fsr-3860	215	1	(	(	PUNCT
fsr-3860	215	2	gao/	gao/	PROPN
fsr-3860	215	3	t	t	PROPN
fsr-3860	215	4	-	-	PUNCT
fsr-3860	215	5	ggd-95	ggd-95	NOUN
fsr-3860	215	6	-	-	PUNCT
fsr-3860	215	7	15	15	NUM
fsr-3860	215	8	)	)	PUNCT
fsr-3860	215	9	.	.	PUNCT
fsr-3860	216	1	october	october	PROPN
fsr-3860	216	2	6	6	NUM
fsr-3860	216	3	.	.	PUNCT
fsr-3860	217	1	u.s	u.s	PROPN
fsr-3860	217	2	.	.	PROPN
fsr-3860	217	3	general	general	ADJ
fsr-3860	217	4	accounting	accounting	PROPN
fsr-3860	217	5	office	office	NOUN
fsr-3860	217	6	.	.	PUNCT
fsr-3860	218	1	(	(	PUNCT
fsr-3860	218	2	1995a).the	1995a).the	DET
fsr-3860	218	3	failure	failure	NOUN
fsr-3860	218	4	of	of	ADP
fsr-3860	218	5	capital	capital	NOUN
fsr-3860	218	6	corporate	corporate	ADJ
fsr-3860	218	7	federal	federal	ADJ
fsr-3860	218	8	credit	credit	NOUN
fsr-3860	218	9	union	union	NOUN
fsr-3860	218	10	.	.	PUNCT
fsr-3860	219	1	(	(	PUNCT
fsr-3860	219	2	gao	gao	PROPN
fsr-3860	219	3	/	/	SYM
fsr-3860	219	4	tggd-95	tggd-95	PROPN
fsr-3860	219	5	-	-	PUNCT
fsr-3860	219	6	107	107	NUM
fsr-3860	219	7	)	)	PUNCT
fsr-3860	219	8	.	.	PUNCT
fsr-3860	220	1	february	february	PROPN
fsr-3860	220	2	28	28	NUM
fsr-3860	220	3	.	.	PUNCT
fsr-3860	221	1	u.s	u.s	PROPN
fsr-3860	221	2	.	.	PROPN
fsr-3860	221	3	general	general	ADJ
fsr-3860	221	4	accounting	accounting	PROPN
fsr-3860	221	5	office	office	NOUN
fsr-3860	221	6	.	.	PUNCT
fsr-3860	222	1	(	(	PUNCT
fsr-3860	222	2	1995b).proposed	1995b).propose	VERB
fsr-3860	222	3	reforms	reform	NOUN
fsr-3860	222	4	for	for	ADP
fsr-3860	222	5	corporate	corporate	ADJ
fsr-3860	222	6	credit	credit	NOUN
fsr-3860	222	7	union	union	NOUN
fsr-3860	222	8	regulation	regulation	NOUN
fsr-3860	222	9	.	.	PUNCT
fsr-3860	223	1	(	(	PUNCT
fsr-3860	223	2	gao	gao	PROPN
fsr-3860	223	3	/	/	SYM
fsr-3860	223	4	tggd-95	tggd-95	PROPN
fsr-3860	223	5	-	-	PUNCT
fsr-3860	223	6	115	115	NUM
fsr-3860	223	7	)	)	PUNCT
fsr-3860	223	8	.	.	PUNCT
fsr-3860	224	1	march	march	PROPN
fsr-3860	224	2	8	8	NUM
fsr-3860	224	3	.	.	PUNCT
fsr-3860	225	1	winton	winton	PROPN
fsr-3860	225	2	,	,	PUNCT
fsr-3860	225	3	a.	a.	NOUN
fsr-3860	225	4	(	(	PUNCT
fsr-3860	225	5	1997	1997	NUM
fsr-3860	225	6	)	)	PUNCT
fsr-3860	225	7	.	.	PUNCT
fsr-3860	226	1	competition	competition	NOUN
fsr-3860	226	2	among	among	ADP
fsr-3860	226	3	financial	financial	ADJ
fsr-3860	226	4	intermediaries	intermediary	NOUN
fsr-3860	226	5	when	when	SCONJ
fsr-3860	226	6	diversification	diversification	NOUN
fsr-3860	226	7	matters.journal	matters.journal	PROPN
fsr-3860	226	8	of	of	ADP
fsr-3860	226	9	financial	financial	ADJ
fsr-3860	226	10	intermediation	intermediation	NOUN
fsr-3860	226	11	6	6	NUM
fsr-3860	226	12	,	,	PUNCT
fsr-3860	226	13	307–346	307–346	NUM
fsr-3860	226	14	.	.	PUNCT
fsr-3860	227	1	215r.j	215r.j	NUM
fsr-3860	227	2	.	.	PUNCT
fsr-3860	227	3	boldin	boldin	VERB
fsr-3860	227	4	et	et	PROPN
fsr-3860	227	5	al	al	PROPN
fsr-3860	227	6	.	.	PUNCT
fsr-3860	227	7	/	/	SYM
fsr-3860	227	8	financial	financial	ADJ
fsr-3860	227	9	services	service	NOUN
fsr-3860	227	10	review	review	VERB
fsr-3860	227	11	7	7	NUM
fsr-3860	227	12	(	(	PUNCT
fsr-3860	227	13	1998	1998	NUM
fsr-3860	227	14	)	)	PUNCT
fsr-3860	228	1	207–215	207–215	NUM