id	sid	tid	token	lemma	pos
fsr-3870	1	1	pii	pii	PROPN
fsr-3870	1	2	:	:	PUNCT
fsr-3870	1	3	s1057	s1057	NOUN
fsr-3870	1	4	-	-	PUNCT
fsr-3870	1	5	0810(99)00023	0810(99)00023	NUM
fsr-3870	1	6	-	-	PUNCT
fsr-3870	1	7	2	2	NUM
fsr-3870	1	8	mutual	mutual	ADJ
fsr-3870	1	9	fund	fund	NOUN
fsr-3870	1	10	shareholders	shareholder	NOUN
fsr-3870	1	11	:	:	PUNCT
fsr-3870	1	12	characteristics	characteristic	NOUN
fsr-3870	1	13	,	,	PUNCT
fsr-3870	1	14	investor	investor	NOUN
fsr-3870	1	15	knowledge	knowledge	NOUN
fsr-3870	1	16	,	,	PUNCT
fsr-3870	1	17	and	and	CCONJ
fsr-3870	1	18	sources	source	NOUN
fsr-3870	1	19	of	of	ADP
fsr-3870	1	20	information	information	NOUN
fsr-3870	1	21	gordon	gordon	PROPN
fsr-3870	1	22	j.	j.	PROPN
fsr-3870	1	23	alexandera	alexandera	PROPN
fsr-3870	1	24	,	,	PUNCT
fsr-3870	1	25	jonathan	jonathan	PROPN
fsr-3870	1	26	d.	d.	PROPN
fsr-3870	1	27	jonesb	jonesb	PROPN
fsr-3870	1	28	,	,	PUNCT
fsr-3870	1	29	peter	peter	PROPN
fsr-3870	1	30	j.	j.	PROPN
fsr-3870	1	31	nigroc	nigroc	PROPN
fsr-3870	1	32	,	,	PUNCT
fsr-3870	1	33	*	*	PUNCT
fsr-3870	1	34	acarlson	acarlson	NOUN
fsr-3870	1	35	school	school	NOUN
fsr-3870	1	36	of	of	ADP
fsr-3870	1	37	management	management	NOUN
fsr-3870	1	38	,	,	PUNCT
fsr-3870	1	39	university	university	NOUN
fsr-3870	1	40	of	of	ADP
fsr-3870	1	41	minnesota	minnesota	PROPN
fsr-3870	1	42	,	,	PUNCT
fsr-3870	1	43	minneapolis	minneapolis	PROPN
fsr-3870	1	44	,	,	PUNCT
fsr-3870	1	45	mn	mn	PROPN
fsr-3870	1	46	55455	55455	NUM
fsr-3870	1	47	,	,	PUNCT
fsr-3870	1	48	usa	usa	PROPN
fsr-3870	1	49	brisk	brisk	PROPN
fsr-3870	1	50	management	management	NOUN
fsr-3870	1	51	division	division	NOUN
fsr-3870	1	52	,	,	PUNCT
fsr-3870	1	53	office	office	NOUN
fsr-3870	1	54	of	of	ADP
fsr-3870	1	55	thrift	thrift	NOUN
fsr-3870	1	56	supervision	supervision	PROPN
fsr-3870	1	57	,	,	PUNCT
fsr-3870	1	58	washington	washington	PROPN
fsr-3870	1	59	,	,	PUNCT
fsr-3870	1	60	dc	dc	PROPN
fsr-3870	1	61	20552	20552	NUM
fsr-3870	1	62	,	,	PUNCT
fsr-3870	1	63	usa	usa	PROPN
fsr-3870	1	64	cpolicy	cpolicy	PROPN
fsr-3870	1	65	analysis	analysis	NOUN
fsr-3870	1	66	division	division	NOUN
fsr-3870	1	67	,	,	PUNCT
fsr-3870	1	68	office	office	NOUN
fsr-3870	1	69	of	of	ADP
fsr-3870	1	70	the	the	DET
fsr-3870	1	71	comptroller	comptroller	NOUN
fsr-3870	1	72	of	of	ADP
fsr-3870	1	73	the	the	DET
fsr-3870	1	74	currency	currency	NOUN
fsr-3870	1	75	,	,	PUNCT
fsr-3870	1	76	washington	washington	PROPN
fsr-3870	1	77	,	,	PUNCT
fsr-3870	1	78	dc	dc	PROPN
fsr-3870	1	79	20219	20219	NUM
fsr-3870	1	80	,	,	PUNCT
fsr-3870	1	81	usa	usa	PROPN
fsr-3870	1	82	abstract	abstract	ADJ
fsr-3870	1	83	this	this	DET
fsr-3870	1	84	paper	paper	NOUN
fsr-3870	1	85	examines	examine	VERB
fsr-3870	1	86	responses	response	NOUN
fsr-3870	1	87	from	from	ADP
fsr-3870	1	88	a	a	DET
fsr-3870	1	89	survey	survey	NOUN
fsr-3870	1	90	of	of	ADP
fsr-3870	1	91	2,000	2,000	NUM
fsr-3870	1	92	randomly	randomly	ADV
fsr-3870	1	93	selected	select	VERB
fsr-3870	1	94	mutual	mutual	ADJ
fsr-3870	1	95	fund	fund	NOUN
fsr-3870	1	96	investors	investor	NOUN
fsr-3870	1	97	who	who	PRON
fsr-3870	1	98	purchased	purchase	VERB
fsr-3870	1	99	shares	share	NOUN
fsr-3870	1	100	from	from	ADP
fsr-3870	1	101	six	six	NUM
fsr-3870	1	102	different	different	ADJ
fsr-3870	1	103	distribution	distribution	NOUN
fsr-3870	1	104	channels	channel	NOUN
fsr-3870	1	105	.	.	PUNCT
fsr-3870	2	1	the	the	DET
fsr-3870	2	2	survey	survey	NOUN
fsr-3870	2	3	provides	provide	VERB
fsr-3870	2	4	data	datum	NOUN
fsr-3870	2	5	on	on	ADP
fsr-3870	2	6	the	the	DET
fsr-3870	2	7	demographic	demographic	ADJ
fsr-3870	2	8	,	,	PUNCT
fsr-3870	2	9	financial	financial	ADJ
fsr-3870	2	10	,	,	PUNCT
fsr-3870	2	11	and	and	CCONJ
fsr-3870	2	12	fund	fund	NOUN
fsr-3870	2	13	ownership	ownership	NOUN
fsr-3870	2	14	characteristics	characteristic	NOUN
fsr-3870	2	15	of	of	ADP
fsr-3870	2	16	mutual	mutual	ADJ
fsr-3870	2	17	fund	fund	NOUN
fsr-3870	2	18	investors	investor	NOUN
fsr-3870	2	19	.	.	PUNCT
fsr-3870	3	1	it	it	PRON
fsr-3870	3	2	also	also	ADV
fsr-3870	3	3	provides	provide	VERB
fsr-3870	3	4	data	datum	NOUN
fsr-3870	3	5	on	on	ADP
fsr-3870	3	6	investors	investor	NOUN
fsr-3870	3	7	’	’	PART
fsr-3870	3	8	knowledge	knowledge	NOUN
fsr-3870	3	9	of	of	ADP
fsr-3870	3	10	the	the	DET
fsr-3870	3	11	costs	cost	NOUN
fsr-3870	3	12	and	and	CCONJ
fsr-3870	3	13	investment	investment	NOUN
fsr-3870	3	14	risks	risk	NOUN
fsr-3870	3	15	of	of	ADP
fsr-3870	3	16	mutual	mutual	ADJ
fsr-3870	3	17	funds	fund	NOUN
fsr-3870	3	18	and	and	CCONJ
fsr-3870	3	19	the	the	DET
fsr-3870	3	20	information	information	NOUN
fsr-3870	3	21	sources	source	NOUN
fsr-3870	3	22	these	these	DET
fsr-3870	3	23	investors	investor	NOUN
fsr-3870	3	24	use	use	VERB
fsr-3870	3	25	to	to	PART
fsr-3870	3	26	learn	learn	VERB
fsr-3870	3	27	about	about	ADP
fsr-3870	3	28	these	these	DET
fsr-3870	3	29	costs	cost	NOUN
fsr-3870	3	30	and	and	CCONJ
fsr-3870	3	31	risks	risk	NOUN
fsr-3870	3	32	.	.	PUNCT
fsr-3870	4	1	our	our	PRON
fsr-3870	4	2	survey	survey	NOUN
fsr-3870	4	3	results	result	NOUN
fsr-3870	4	4	strongly	strongly	ADV
fsr-3870	4	5	suggest	suggest	VERB
fsr-3870	4	6	there	there	PRON
fsr-3870	4	7	is	be	VERB
fsr-3870	4	8	room	room	NOUN
fsr-3870	4	9	for	for	ADP
fsr-3870	4	10	improvement	improvement	NOUN
fsr-3870	4	11	in	in	ADP
fsr-3870	4	12	the	the	DET
fsr-3870	4	13	level	level	NOUN
fsr-3870	4	14	of	of	ADP
fsr-3870	4	15	financial	financial	ADJ
fsr-3870	4	16	literacy	literacy	NOUN
fsr-3870	4	17	of	of	ADP
fsr-3870	4	18	mutual	mutual	ADJ
fsr-3870	4	19	fund	fund	NOUN
fsr-3870	4	20	investors	investor	NOUN
fsr-3870	4	21	.	.	PUNCT
fsr-3870	5	1	©	©	PROPN
fsr-3870	5	2	1999	1999	NUM
fsr-3870	5	3	elsevier	elsevier	PROPN
fsr-3870	5	4	science	science	PROPN
fsr-3870	5	5	inc	inc	PROPN
fsr-3870	5	6	.	.	PUNCT
fsr-3870	6	1	all	all	DET
fsr-3870	6	2	rights	right	NOUN
fsr-3870	6	3	reserved	reserve	VERB
fsr-3870	6	4	.	.	PUNCT
fsr-3870	7	1	1	1	X
fsr-3870	7	2	.	.	X
fsr-3870	7	3	introduction	introduction	NOUN
fsr-3870	7	4	over	over	ADP
fsr-3870	7	5	the	the	DET
fsr-3870	7	6	past	past	ADJ
fsr-3870	7	7	twenty	twenty	NUM
fsr-3870	7	8	or	or	CCONJ
fsr-3870	7	9	so	so	ADV
fsr-3870	7	10	years	year	NOUN
fsr-3870	7	11	,	,	PUNCT
fsr-3870	7	12	mutual	mutual	ADJ
fsr-3870	7	13	funds	fund	NOUN
fsr-3870	7	14	have	have	AUX
fsr-3870	7	15	become	become	VERB
fsr-3870	7	16	an	an	DET
fsr-3870	7	17	increasingly	increasingly	ADV
fsr-3870	7	18	popular	popular	ADJ
fsr-3870	7	19	investment	investment	NOUN
fsr-3870	7	20	vehicle	vehicle	NOUN
fsr-3870	7	21	.	.	PUNCT
fsr-3870	8	1	ownership	ownership	NOUN
fsr-3870	8	2	of	of	ADP
fsr-3870	8	3	stock	stock	NOUN
fsr-3870	8	4	,	,	PUNCT
fsr-3870	8	5	bond	bond	NOUN
fsr-3870	8	6	,	,	PUNCT
fsr-3870	8	7	and	and	CCONJ
fsr-3870	8	8	money	money	NOUN
fsr-3870	8	9	market	market	NOUN
fsr-3870	8	10	mutual	mutual	ADJ
fsr-3870	8	11	funds	fund	NOUN
fsr-3870	8	12	rose	rise	VERB
fsr-3870	8	13	from	from	ADP
fsr-3870	8	14	6	6	NUM
fsr-3870	8	15	%	%	NOUN
fsr-3870	8	16	of	of	ADP
fsr-3870	8	17	u.s	u.s	PROPN
fsr-3870	8	18	.	.	PROPN
fsr-3870	8	19	households	household	NOUN
fsr-3870	8	20	in	in	ADP
fsr-3870	8	21	1980	1980	NUM
fsr-3870	8	22	to	to	ADP
fsr-3870	8	23	42	42	NUM
fsr-3870	8	24	%	%	NOUN
fsr-3870	8	25	in	in	ADP
fsr-3870	8	26	1998	1998	NUM
fsr-3870	8	27	,	,	PUNCT
fsr-3870	8	28	while	while	SCONJ
fsr-3870	8	29	the	the	DET
fsr-3870	8	30	total	total	ADJ
fsr-3870	8	31	assets	asset	NOUN
fsr-3870	8	32	held	hold	VERB
fsr-3870	8	33	by	by	ADP
fsr-3870	8	34	mutual	mutual	ADJ
fsr-3870	8	35	funds	fund	NOUN
fsr-3870	8	36	soared	soar	VERB
fsr-3870	8	37	by	by	ADP
fsr-3870	8	38	almost	almost	ADV
fsr-3870	8	39	4,000	4,000	NUM
fsr-3870	8	40	%	%	NOUN
fsr-3870	8	41	,	,	PUNCT
fsr-3870	8	42	increasing	increase	VERB
fsr-3870	8	43	from	from	ADP
fsr-3870	8	44	$	$	SYM
fsr-3870	8	45	135	135	NUM
fsr-3870	8	46	billion	billion	NUM
fsr-3870	8	47	to	to	PART
fsr-3870	8	48	roughly	roughly	ADV
fsr-3870	8	49	$	$	SYM
fsr-3870	8	50	5.5	5.5	NUM
fsr-3870	8	51	trillion	trillion	NUM
fsr-3870	8	52	at	at	ADP
fsr-3870	8	53	year	year	NOUN
fsr-3870	8	54	-	-	PUNCT
fsr-3870	8	55	end	end	NOUN
fsr-3870	8	56	1998	1998	NUM
fsr-3870	8	57	(	(	PUNCT
fsr-3870	8	58	investment	investment	NOUN
fsr-3870	8	59	company	company	NOUN
fsr-3870	8	60	institute	institute	NOUN
fsr-3870	8	61	,	,	PUNCT
fsr-3870	8	62	1999	1999	NUM
fsr-3870	8	63	)	)	PUNCT
fsr-3870	8	64	.	.	PUNCT
fsr-3870	9	1	this	this	DET
fsr-3870	9	2	dramatic	dramatic	ADJ
fsr-3870	9	3	growth	growth	NOUN
fsr-3870	9	4	has	have	AUX
fsr-3870	9	5	raised	raise	VERB
fsr-3870	9	6	policymakers	policymaker	NOUN
fsr-3870	9	7	’	'	PUNCT
fsr-3870	9	8	*	*	PUNCT
fsr-3870	9	9	corresponding	correspond	VERB
fsr-3870	9	10	author	author	NOUN
fsr-3870	9	11	.	.	PUNCT
fsr-3870	10	1	tel.:11	tel.:11	PROPN
fsr-3870	10	2	-	-	PUNCT
fsr-3870	10	3	202	202	NUM
fsr-3870	10	4	-	-	PUNCT
fsr-3870	10	5	874	874	NUM
fsr-3870	10	6	-	-	PUNCT
fsr-3870	10	7	4799	4799	NUM
fsr-3870	10	8	;	;	PUNCT
fsr-3870	10	9	fax:11	fax:11	NOUN
fsr-3870	10	10	-	-	PUNCT
fsr-3870	10	11	202	202	NUM
fsr-3870	10	12	-	-	PUNCT
fsr-3870	10	13	874	874	NUM
fsr-3870	10	14	-	-	PUNCT
fsr-3870	10	15	5394	5394	NUM
fsr-3870	10	16	.	.	PUNCT
fsr-3870	11	1	e	e	X
fsr-3870	11	2	-	-	NOUN
fsr-3870	11	3	mail	mail	NOUN
fsr-3870	11	4	address:peter.nigro@occ.treas.gov	address:peter.nigro@occ.treas.gov	NOUN
fsr-3870	11	5	(	(	PUNCT
fsr-3870	11	6	p.j	p.j	PROPN
fsr-3870	11	7	.	.	PROPN
fsr-3870	11	8	nigro	nigro	PROPN
fsr-3870	11	9	)	)	PUNCT
fsr-3870	11	10	the	the	DET
fsr-3870	11	11	office	office	NOUN
fsr-3870	11	12	of	of	ADP
fsr-3870	11	13	thrift	thrift	NOUN
fsr-3870	11	14	supervision	supervision	NOUN
fsr-3870	11	15	and	and	CCONJ
fsr-3870	11	16	the	the	DET
fsr-3870	11	17	office	office	NOUN
fsr-3870	11	18	of	of	ADP
fsr-3870	11	19	the	the	DET
fsr-3870	11	20	comptroller	comptroller	NOUN
fsr-3870	11	21	of	of	ADP
fsr-3870	11	22	the	the	DET
fsr-3870	11	23	currency	currency	NOUN
fsr-3870	11	24	,	,	PUNCT
fsr-3870	11	25	as	as	ADP
fsr-3870	11	26	a	a	DET
fsr-3870	11	27	matter	matter	NOUN
fsr-3870	11	28	of	of	ADP
fsr-3870	11	29	policy	policy	NOUN
fsr-3870	11	30	,	,	PUNCT
fsr-3870	11	31	disclaim	disclaim	VERB
fsr-3870	11	32	any	any	DET
fsr-3870	11	33	responsibility	responsibility	NOUN
fsr-3870	11	34	for	for	ADP
fsr-3870	11	35	any	any	DET
fsr-3870	11	36	publication	publication	NOUN
fsr-3870	11	37	or	or	CCONJ
fsr-3870	11	38	statements	statement	NOUN
fsr-3870	11	39	by	by	ADP
fsr-3870	11	40	any	any	PRON
fsr-3870	11	41	of	of	ADP
fsr-3870	11	42	their	their	PRON
fsr-3870	11	43	employees	employee	NOUN
fsr-3870	11	44	.	.	PUNCT
fsr-3870	12	1	the	the	DET
fsr-3870	12	2	views	view	NOUN
fsr-3870	12	3	expressed	express	VERB
fsr-3870	12	4	herein	herein	NOUN
fsr-3870	12	5	are	be	AUX
fsr-3870	12	6	those	those	PRON
fsr-3870	12	7	of	of	ADP
fsr-3870	12	8	the	the	DET
fsr-3870	12	9	authors	author	NOUN
fsr-3870	12	10	and	and	CCONJ
fsr-3870	12	11	do	do	AUX
fsr-3870	12	12	not	not	PART
fsr-3870	12	13	necessarily	necessarily	ADV
fsr-3870	12	14	reflect	reflect	VERB
fsr-3870	12	15	the	the	DET
fsr-3870	12	16	views	view	NOUN
fsr-3870	12	17	of	of	ADP
fsr-3870	12	18	either	either	PRON
fsr-3870	12	19	of	of	ADP
fsr-3870	12	20	these	these	DET
fsr-3870	12	21	agencies	agency	NOUN
fsr-3870	12	22	or	or	CCONJ
fsr-3870	12	23	of	of	ADP
fsr-3870	12	24	the	the	DET
fsr-3870	12	25	authors	author	NOUN
fsr-3870	12	26	’	’	PART
fsr-3870	12	27	colleagues	colleague	NOUN
fsr-3870	12	28	on	on	ADP
fsr-3870	12	29	the	the	DET
fsr-3870	12	30	staffs	staff	NOUN
fsr-3870	12	31	of	of	ADP
fsr-3870	12	32	the	the	DET
fsr-3870	12	33	agencies	agency	NOUN
fsr-3870	12	34	.	.	PUNCT
fsr-3870	13	1	financial	financial	ADJ
fsr-3870	13	2	services	service	NOUN
fsr-3870	13	3	review	review	VERB
fsr-3870	13	4	7	7	NUM
fsr-3870	13	5	(	(	PUNCT
fsr-3870	13	6	1998	1998	NUM
fsr-3870	13	7	)	)	PUNCT
fsr-3870	14	1	301–316	301–316	NUM
fsr-3870	14	2	1057	1057	NUM
fsr-3870	14	3	-	-	SYM
fsr-3870	14	4	0810/98/$	0810/98/$	NUM
fsr-3870	14	5	–	–	PUNCT
fsr-3870	14	6	see	see	VERB
fsr-3870	14	7	front	front	ADJ
fsr-3870	14	8	matter	matter	NOUN
fsr-3870	14	9	©	©	PROPN
fsr-3870	14	10	1999	1999	NUM
fsr-3870	14	11	elsevier	elsevier	PROPN
fsr-3870	14	12	science	science	PROPN
fsr-3870	14	13	inc	inc	PROPN
fsr-3870	14	14	.	.	PUNCT
fsr-3870	15	1	all	all	DET
fsr-3870	15	2	rights	right	NOUN
fsr-3870	15	3	reserved	reserve	VERB
fsr-3870	15	4	.	.	PUNCT
fsr-3870	16	1	pii	pii	NOUN
fsr-3870	16	2	:	:	PUNCT
fsr-3870	16	3	s1057	s1057	NOUN
fsr-3870	16	4	-	-	PUNCT
fsr-3870	16	5	0810(99)00023	0810(99)00023	NUM
fsr-3870	16	6	-	-	PUNCT
fsr-3870	16	7	2	2	NUM
fsr-3870	16	8	concern	concern	NOUN
fsr-3870	16	9	with	with	ADP
fsr-3870	16	10	the	the	DET
fsr-3870	16	11	level	level	NOUN
fsr-3870	16	12	of	of	ADP
fsr-3870	16	13	investor	investor	NOUN
fsr-3870	16	14	knowledge	knowledge	NOUN
fsr-3870	16	15	regarding	regard	VERB
fsr-3870	16	16	the	the	DET
fsr-3870	16	17	costs	cost	NOUN
fsr-3870	16	18	and	and	CCONJ
fsr-3870	16	19	risks	risk	NOUN
fsr-3870	16	20	associated	associate	VERB
fsr-3870	16	21	with	with	ADP
fsr-3870	16	22	mutual	mutual	ADJ
fsr-3870	16	23	funds	fund	NOUN
fsr-3870	16	24	and	and	CCONJ
fsr-3870	16	25	with	with	ADP
fsr-3870	16	26	the	the	DET
fsr-3870	16	27	types	type	NOUN
fsr-3870	16	28	of	of	ADP
fsr-3870	16	29	distribution	distribution	NOUN
fsr-3870	16	30	channels	channel	NOUN
fsr-3870	16	31	permitted	permit	VERB
fsr-3870	16	32	to	to	PART
fsr-3870	16	33	sell	sell	VERB
fsr-3870	16	34	mutual	mutual	ADJ
fsr-3870	16	35	funds	fund	NOUN
fsr-3870	16	36	.	.	PUNCT
fsr-3870	17	1	to	to	PART
fsr-3870	17	2	provide	provide	VERB
fsr-3870	17	3	perspective	perspective	NOUN
fsr-3870	17	4	on	on	ADP
fsr-3870	17	5	these	these	DET
fsr-3870	17	6	concerns	concern	NOUN
fsr-3870	17	7	,	,	PUNCT
fsr-3870	17	8	the	the	DET
fsr-3870	17	9	office	office	NOUN
fsr-3870	17	10	of	of	ADP
fsr-3870	17	11	the	the	DET
fsr-3870	17	12	comptroller	comptroller	NOUN
fsr-3870	17	13	of	of	ADP
fsr-3870	17	14	the	the	DET
fsr-3870	17	15	currency	currency	NOUN
fsr-3870	17	16	(	(	PUNCT
fsr-3870	17	17	“	"	PUNCT
fsr-3870	17	18	occ	occ	X
fsr-3870	17	19	”	"	PUNCT
fsr-3870	17	20	)	)	PUNCT
fsr-3870	17	21	and	and	CCONJ
fsr-3870	17	22	the	the	DET
fsr-3870	17	23	securities	securities	PROPN
fsr-3870	17	24	and	and	CCONJ
fsr-3870	17	25	exchange	exchange	PROPN
fsr-3870	17	26	commission	commission	PROPN
fsr-3870	17	27	(	(	PUNCT
fsr-3870	17	28	“	"	PUNCT
fsr-3870	17	29	sec	sec	PROPN
fsr-3870	17	30	”	"	PUNCT
fsr-3870	17	31	)	)	PUNCT
fsr-3870	17	32	contracted	contract	VERB
fsr-3870	17	33	with	with	ADP
fsr-3870	17	34	a	a	DET
fsr-3870	17	35	market	market	NOUN
fsr-3870	17	36	research	research	NOUN
fsr-3870	17	37	firm	firm	NOUN
fsr-3870	17	38	to	to	PART
fsr-3870	17	39	conduct	conduct	VERB
fsr-3870	17	40	a	a	DET
fsr-3870	17	41	nationwide	nationwide	ADJ
fsr-3870	17	42	telephone	telephone	NOUN
fsr-3870	17	43	survey	survey	NOUN
fsr-3870	17	44	of	of	ADP
fsr-3870	17	45	a	a	DET
fsr-3870	17	46	randomly	randomly	ADV
fsr-3870	17	47	selected	select	VERB
fsr-3870	17	48	sample	sample	NOUN
fsr-3870	17	49	of	of	ADP
fsr-3870	17	50	2,000	2,000	NUM
fsr-3870	17	51	mutual	mutual	ADJ
fsr-3870	17	52	fund	fund	NOUN
fsr-3870	17	53	investors	investor	NOUN
fsr-3870	17	54	(	(	PUNCT
fsr-3870	17	55	see	see	VERB
fsr-3870	17	56	alexander	alexander	PROPN
fsr-3870	17	57	et	et	PROPN
fsr-3870	17	58	al	al	PROPN
fsr-3870	17	59	.	.	PROPN
fsr-3870	17	60	,	,	PUNCT
fsr-3870	17	61	1996	1996	NUM
fsr-3870	17	62	)	)	PUNCT
fsr-3870	17	63	.	.	PUNCT
fsr-3870	18	1	the	the	DET
fsr-3870	18	2	mutual	mutual	ADJ
fsr-3870	18	3	fund	fund	NOUN
fsr-3870	18	4	survey	survey	NOUN
fsr-3870	18	5	collected	collect	VERB
fsr-3870	18	6	two	two	NUM
fsr-3870	18	7	kinds	kind	NOUN
fsr-3870	18	8	of	of	ADP
fsr-3870	18	9	data	datum	NOUN
fsr-3870	18	10	.	.	PUNCT
fsr-3870	19	1	first	first	ADV
fsr-3870	19	2	,	,	PUNCT
fsr-3870	19	3	the	the	DET
fsr-3870	19	4	survey	survey	NOUN
fsr-3870	19	5	collected	collect	VERB
fsr-3870	19	6	data	datum	NOUN
fsr-3870	19	7	on	on	ADP
fsr-3870	19	8	the	the	DET
fsr-3870	19	9	demographic	demographic	ADJ
fsr-3870	19	10	,	,	PUNCT
fsr-3870	19	11	financial	financial	ADJ
fsr-3870	19	12	,	,	PUNCT
fsr-3870	19	13	and	and	CCONJ
fsr-3870	19	14	fund	fund	NOUN
fsr-3870	19	15	ownership	ownership	NOUN
fsr-3870	19	16	characteristics	characteristic	NOUN
fsr-3870	19	17	of	of	ADP
fsr-3870	19	18	mutual	mutual	ADJ
fsr-3870	19	19	fund	fund	NOUN
fsr-3870	19	20	shareholders	shareholder	NOUN
fsr-3870	19	21	.	.	PUNCT
fsr-3870	20	1	these	these	DET
fsr-3870	20	2	data	datum	NOUN
fsr-3870	20	3	permit	permit	VERB
fsr-3870	20	4	analysis	analysis	NOUN
fsr-3870	20	5	of	of	ADP
fsr-3870	20	6	how	how	SCONJ
fsr-3870	20	7	these	these	DET
fsr-3870	20	8	characteristics	characteristic	NOUN
fsr-3870	20	9	differ	differ	VERB
fsr-3870	20	10	across	across	ADP
fsr-3870	20	11	the	the	DET
fsr-3870	20	12	major	major	ADJ
fsr-3870	20	13	distribution	distribution	NOUN
fsr-3870	20	14	channels	channel	NOUN
fsr-3870	20	15	used	use	VERB
fsr-3870	20	16	by	by	ADP
fsr-3870	20	17	mutual	mutual	ADJ
fsr-3870	20	18	fund	fund	NOUN
fsr-3870	20	19	purchasers	purchaser	NOUN
fsr-3870	20	20	.	.	PUNCT
fsr-3870	21	1	second	second	ADV
fsr-3870	21	2	,	,	PUNCT
fsr-3870	21	3	the	the	DET
fsr-3870	21	4	survey	survey	NOUN
fsr-3870	21	5	collected	collect	VERB
fsr-3870	21	6	data	datum	NOUN
fsr-3870	21	7	on	on	ADP
fsr-3870	21	8	mutual	mutual	ADJ
fsr-3870	21	9	fund	fund	NOUN
fsr-3870	21	10	investors	investor	NOUN
fsr-3870	21	11	’	’	PART
fsr-3870	21	12	familiarity	familiarity	NOUN
fsr-3870	21	13	with	with	ADP
fsr-3870	21	14	certain	certain	ADJ
fsr-3870	21	15	costs	cost	NOUN
fsr-3870	21	16	and	and	CCONJ
fsr-3870	21	17	investment	investment	NOUN
fsr-3870	21	18	risks	risk	NOUN
fsr-3870	21	19	associated	associate	VERB
fsr-3870	21	20	with	with	ADP
fsr-3870	21	21	mutual	mutual	ADJ
fsr-3870	21	22	funds	fund	NOUN
fsr-3870	21	23	as	as	ADV
fsr-3870	21	24	well	well	ADV
fsr-3870	21	25	as	as	ADP
fsr-3870	21	26	the	the	DET
fsr-3870	21	27	information	information	NOUN
fsr-3870	21	28	sources	source	NOUN
fsr-3870	21	29	these	these	DET
fsr-3870	21	30	investors	investor	NOUN
fsr-3870	21	31	used	use	VERB
fsr-3870	21	32	to	to	PART
fsr-3870	21	33	learn	learn	VERB
fsr-3870	21	34	about	about	ADP
fsr-3870	21	35	these	these	DET
fsr-3870	21	36	costs	cost	NOUN
fsr-3870	21	37	and	and	CCONJ
fsr-3870	21	38	risks	risk	NOUN
fsr-3870	21	39	.	.	PUNCT
fsr-3870	22	1	in	in	ADP
fsr-3870	22	2	this	this	DET
fsr-3870	22	3	paper	paper	NOUN
fsr-3870	22	4	,	,	PUNCT
fsr-3870	22	5	we	we	PRON
fsr-3870	22	6	provide	provide	VERB
fsr-3870	22	7	background	background	NOUN
fsr-3870	22	8	information	information	NOUN
fsr-3870	22	9	on	on	ADP
fsr-3870	22	10	mutual	mutual	ADJ
fsr-3870	22	11	fund	fund	NOUN
fsr-3870	22	12	investors	investor	NOUN
fsr-3870	22	13	,	,	PUNCT
fsr-3870	22	14	assess	assess	VERB
fsr-3870	22	15	their	their	PRON
fsr-3870	22	16	degree	degree	NOUN
fsr-3870	22	17	of	of	ADP
fsr-3870	22	18	knowledge	knowledge	NOUN
fsr-3870	22	19	about	about	ADP
fsr-3870	22	20	the	the	DET
fsr-3870	22	21	costs	cost	NOUN
fsr-3870	22	22	and	and	CCONJ
fsr-3870	22	23	investment	investment	NOUN
fsr-3870	22	24	risks	risk	NOUN
fsr-3870	22	25	associated	associate	VERB
fsr-3870	22	26	with	with	ADP
fsr-3870	22	27	mutual	mutual	ADJ
fsr-3870	22	28	funds	fund	NOUN
fsr-3870	22	29	,	,	PUNCT
fsr-3870	22	30	examine	examine	VERB
fsr-3870	22	31	the	the	DET
fsr-3870	22	32	determinants	determinant	NOUN
fsr-3870	22	33	of	of	ADP
fsr-3870	22	34	their	their	PRON
fsr-3870	22	35	financial	financial	ADJ
fsr-3870	22	36	literacy	literacy	NOUN
fsr-3870	22	37	,	,	PUNCT
fsr-3870	22	38	and	and	CCONJ
fsr-3870	22	39	examine	examine	VERB
fsr-3870	22	40	whether	whether	SCONJ
fsr-3870	22	41	or	or	CCONJ
fsr-3870	22	42	not	not	PART
fsr-3870	22	43	certain	certain	ADJ
fsr-3870	22	44	distribution	distribution	NOUN
fsr-3870	22	45	channels	channel	NOUN
fsr-3870	22	46	(	(	PUNCT
fsr-3870	22	47	e.g.	e.g.	ADV
fsr-3870	22	48	,	,	PUNCT
fsr-3870	22	49	pension	pension	NOUN
fsr-3870	22	50	plans	plan	NOUN
fsr-3870	22	51	or	or	CCONJ
fsr-3870	22	52	banks	bank	NOUN
fsr-3870	22	53	)	)	PUNCT
fsr-3870	22	54	pose	pose	VERB
fsr-3870	22	55	unique	unique	ADJ
fsr-3870	22	56	regulatory	regulatory	ADJ
fsr-3870	22	57	concerns	concern	NOUN
fsr-3870	22	58	.	.	PUNCT
fsr-3870	23	1	the	the	DET
fsr-3870	23	2	remainder	remainder	NOUN
fsr-3870	23	3	of	of	ADP
fsr-3870	23	4	this	this	DET
fsr-3870	23	5	paper	paper	NOUN
fsr-3870	23	6	is	be	AUX
fsr-3870	23	7	organized	organize	VERB
fsr-3870	23	8	as	as	SCONJ
fsr-3870	23	9	follows	follow	VERB
fsr-3870	23	10	.	.	PUNCT
fsr-3870	24	1	section	section	NOUN
fsr-3870	24	2	1	1	NUM
fsr-3870	24	3	briefly	briefly	NOUN
fsr-3870	24	4	reviews	review	VERB
fsr-3870	24	5	previous	previous	ADJ
fsr-3870	24	6	survey	survey	NOUN
fsr-3870	24	7	research	research	NOUN
fsr-3870	24	8	on	on	ADP
fsr-3870	24	9	mutual	mutual	ADJ
fsr-3870	24	10	fund	fund	NOUN
fsr-3870	24	11	investors	investor	NOUN
fsr-3870	24	12	.	.	PUNCT
fsr-3870	25	1	section	section	NOUN
fsr-3870	25	2	2	2	NUM
fsr-3870	25	3	examines	examine	VERB
fsr-3870	25	4	the	the	DET
fsr-3870	25	5	demographic	demographic	ADJ
fsr-3870	25	6	and	and	CCONJ
fsr-3870	25	7	financial	financial	ADJ
fsr-3870	25	8	characteristics	characteristic	NOUN
fsr-3870	25	9	of	of	ADP
fsr-3870	25	10	mutual	mutual	ADJ
fsr-3870	25	11	fund	fund	NOUN
fsr-3870	25	12	shareholders	shareholder	NOUN
fsr-3870	25	13	.	.	PUNCT
fsr-3870	26	1	section	section	NOUN
fsr-3870	26	2	3	3	NUM
fsr-3870	26	3	examines	examine	VERB
fsr-3870	26	4	investor	investor	NOUN
fsr-3870	26	5	familiarity	familiarity	NOUN
fsr-3870	26	6	with	with	ADP
fsr-3870	26	7	the	the	DET
fsr-3870	26	8	costs	cost	NOUN
fsr-3870	26	9	and	and	CCONJ
fsr-3870	26	10	certain	certain	ADJ
fsr-3870	26	11	investment	investment	NOUN
fsr-3870	26	12	risks	risk	NOUN
fsr-3870	26	13	associated	associate	VERB
fsr-3870	26	14	with	with	ADP
fsr-3870	26	15	mutual	mutual	ADJ
fsr-3870	26	16	funds	fund	NOUN
fsr-3870	26	17	,	,	PUNCT
fsr-3870	26	18	along	along	ADP
fsr-3870	26	19	with	with	ADP
fsr-3870	26	20	the	the	DET
fsr-3870	26	21	information	information	NOUN
fsr-3870	26	22	sources	source	NOUN
fsr-3870	26	23	used	use	VERB
fsr-3870	26	24	by	by	ADP
fsr-3870	26	25	these	these	DET
fsr-3870	26	26	investors	investor	NOUN
fsr-3870	26	27	in	in	ADP
fsr-3870	26	28	making	make	VERB
fsr-3870	26	29	mutual	mutual	ADJ
fsr-3870	26	30	fund	fund	NOUN
fsr-3870	26	31	purchases	purchase	NOUN
fsr-3870	26	32	.	.	PUNCT
fsr-3870	27	1	section	section	NOUN
fsr-3870	27	2	4	4	NUM
fsr-3870	27	3	develops	develop	VERB
fsr-3870	27	4	a	a	DET
fsr-3870	27	5	measure	measure	NOUN
fsr-3870	27	6	of	of	ADP
fsr-3870	27	7	overall	overall	ADJ
fsr-3870	27	8	investor	investor	NOUN
fsr-3870	27	9	financial	financial	ADJ
fsr-3870	27	10	literacy	literacy	NOUN
fsr-3870	27	11	and	and	CCONJ
fsr-3870	27	12	examines	examine	VERB
fsr-3870	27	13	its	its	PRON
fsr-3870	27	14	determinants	determinant	NOUN
fsr-3870	27	15	.	.	PUNCT
fsr-3870	28	1	finally	finally	ADV
fsr-3870	28	2	,	,	PUNCT
fsr-3870	28	3	section	section	NOUN
fsr-3870	28	4	5	5	NUM
fsr-3870	28	5	discusses	discuss	VERB
fsr-3870	28	6	the	the	DET
fsr-3870	28	7	policy	policy	NOUN
fsr-3870	28	8	implications	implication	NOUN
fsr-3870	28	9	of	of	ADP
fsr-3870	28	10	the	the	DET
fsr-3870	28	11	survey	survey	NOUN
fsr-3870	28	12	results	result	VERB
fsr-3870	28	13	and	and	CCONJ
fsr-3870	28	14	draws	draw	VERB
fsr-3870	28	15	conclusions	conclusion	NOUN
fsr-3870	28	16	.	.	PUNCT
fsr-3870	29	1	2	2	X
fsr-3870	29	2	.	.	X
fsr-3870	29	3	previous	previous	ADJ
fsr-3870	29	4	literature	literature	NOUN
fsr-3870	29	5	several	several	ADJ
fsr-3870	29	6	recent	recent	ADJ
fsr-3870	29	7	mutual	mutual	ADJ
fsr-3870	29	8	fund	fund	NOUN
fsr-3870	29	9	investor	investor	NOUN
fsr-3870	29	10	surveys	survey	NOUN
fsr-3870	29	11	provide	provide	VERB
fsr-3870	29	12	conflicting	conflicting	ADJ
fsr-3870	29	13	evidence	evidence	NOUN
fsr-3870	29	14	on	on	ADP
fsr-3870	29	15	investment	investment	NOUN
fsr-3870	29	16	risk	risk	NOUN
fsr-3870	29	17	disclosures	disclosure	NOUN
fsr-3870	29	18	and	and	CCONJ
fsr-3870	29	19	the	the	DET
fsr-3870	29	20	level	level	NOUN
fsr-3870	29	21	of	of	ADP
fsr-3870	29	22	investor	investor	NOUN
fsr-3870	29	23	knowledge	knowledge	NOUN
fsr-3870	29	24	.	.	PUNCT
fsr-3870	30	1	for	for	ADP
fsr-3870	30	2	example	example	NOUN
fsr-3870	30	3	,	,	PUNCT
fsr-3870	30	4	the	the	DET
fsr-3870	30	5	american	american	PROPN
fsr-3870	30	6	association	association	PROPN
fsr-3870	30	7	of	of	ADP
fsr-3870	30	8	retired	retire	VERB
fsr-3870	30	9	persons	person	NOUN
fsr-3870	30	10	et	et	VERB
fsr-3870	30	11	al	al	PROPN
fsr-3870	30	12	.	.	PROPN
fsr-3870	31	1	(	(	PUNCT
fsr-3870	31	2	1994	1994	NUM
fsr-3870	31	3	)	)	PUNCT
fsr-3870	31	4	concluded	conclude	VERB
fsr-3870	31	5	from	from	ADP
fsr-3870	31	6	their	their	PRON
fsr-3870	31	7	survey	survey	NOUN
fsr-3870	31	8	that	that	SCONJ
fsr-3870	31	9	“	"	PUNCT
fsr-3870	31	10	the	the	DET
fsr-3870	31	11	vast	vast	ADJ
fsr-3870	31	12	majority	majority	NOUN
fsr-3870	31	13	of	of	ADP
fsr-3870	31	14	american	american	PROPN
fsr-3870	31	15	bank	bank	PROPN
fsr-3870	31	16	consumers	consumer	NOUN
fsr-3870	31	17	are	be	AUX
fsr-3870	31	18	unaware	unaware	ADJ
fsr-3870	31	19	of	of	ADP
fsr-3870	31	20	the	the	DET
fsr-3870	31	21	risks	risk	NOUN
fsr-3870	31	22	and	and	CCONJ
fsr-3870	31	23	fees	fee	NOUN
fsr-3870	31	24	involved	involve	VERB
fsr-3870	31	25	in	in	ADP
fsr-3870	31	26	the	the	DET
fsr-3870	31	27	sale	sale	NOUN
fsr-3870	31	28	of	of	ADP
fsr-3870	31	29	uninsured	uninsured	ADJ
fsr-3870	31	30	investment	investment	NOUN
fsr-3870	31	31	products	product	NOUN
fsr-3870	31	32	,	,	PUNCT
fsr-3870	31	33	such	such	ADJ
fsr-3870	31	34	as	as	ADP
fsr-3870	31	35	mutual	mutual	ADJ
fsr-3870	31	36	funds	fund	NOUN
fsr-3870	31	37	and	and	CCONJ
fsr-3870	31	38	annuities	annuity	NOUN
fsr-3870	31	39	.	.	PUNCT
fsr-3870	31	40	”	"	PUNCT
fsr-3870	32	1	in	in	ADP
fsr-3870	32	2	sharp	sharp	ADJ
fsr-3870	32	3	contrast	contrast	NOUN
fsr-3870	32	4	,	,	PUNCT
fsr-3870	32	5	the	the	DET
fsr-3870	32	6	consumer	consumer	NOUN
fsr-3870	32	7	bankers	banker	NOUN
fsr-3870	32	8	association	association	NOUN
fsr-3870	32	9	(	(	PUNCT
fsr-3870	32	10	1994	1994	NUM
fsr-3870	32	11	)	)	PUNCT
fsr-3870	32	12	,	,	PUNCT
fsr-3870	32	13	a	a	DET
fsr-3870	32	14	banking	banking	NOUN
fsr-3870	32	15	trade	trade	NOUN
fsr-3870	32	16	group	group	NOUN
fsr-3870	32	17	,	,	PUNCT
fsr-3870	32	18	found	find	VERB
fsr-3870	32	19	that	that	SCONJ
fsr-3870	32	20	few	few	ADJ
fsr-3870	32	21	bank	bank	NOUN
fsr-3870	32	22	customers	customer	NOUN
fsr-3870	32	23	held	hold	VERB
fsr-3870	32	24	the	the	DET
fsr-3870	32	25	misconception	misconception	NOUN
fsr-3870	32	26	that	that	SCONJ
fsr-3870	32	27	mutual	mutual	ADJ
fsr-3870	32	28	funds	fund	NOUN
fsr-3870	32	29	purchased	purchase	VERB
fsr-3870	32	30	through	through	ADP
fsr-3870	32	31	a	a	DET
fsr-3870	32	32	bank	bank	NOUN
fsr-3870	32	33	are	be	AUX
fsr-3870	32	34	federally	federally	ADV
fsr-3870	32	35	insured	insure	VERB
fsr-3870	32	36	.	.	PUNCT
fsr-3870	33	1	the	the	DET
fsr-3870	33	2	conflicting	conflict	VERB
fsr-3870	33	3	evidence	evidence	NOUN
fsr-3870	33	4	in	in	ADP
fsr-3870	33	5	these	these	DET
fsr-3870	33	6	two	two	NUM
fsr-3870	33	7	initial	initial	ADJ
fsr-3870	33	8	surveys	survey	NOUN
fsr-3870	33	9	generated	generate	VERB
fsr-3870	33	10	several	several	ADJ
fsr-3870	33	11	other	other	ADJ
fsr-3870	33	12	surveys	survey	NOUN
fsr-3870	33	13	.	.	PUNCT
fsr-3870	34	1	for	for	ADP
fsr-3870	34	2	example	example	NOUN
fsr-3870	34	3	,	,	PUNCT
fsr-3870	34	4	a	a	DET
fsr-3870	34	5	1995	1995	NUM
fsr-3870	34	6	prophet	prophet	NOUN
fsr-3870	34	7	market	market	NOUN
fsr-3870	34	8	research	research	NOUN
fsr-3870	34	9	mystery	mystery	NOUN
fsr-3870	34	10	shopping	shopping	NOUN
fsr-3870	34	11	study	study	NOUN
fsr-3870	34	12	that	that	PRON
fsr-3870	34	13	employed	employ	VERB
fsr-3870	34	14	unidentified	unidentified	ADJ
fsr-3870	34	15	testers	tester	NOUN
fsr-3870	34	16	to	to	PART
fsr-3870	34	17	examine	examine	VERB
fsr-3870	34	18	disclosure	disclosure	NOUN
fsr-3870	34	19	concluded	conclude	VERB
fsr-3870	34	20	that	that	SCONJ
fsr-3870	34	21	banks	bank	NOUN
fsr-3870	34	22	do	do	VERB
fsr-3870	34	23	a	a	DET
fsr-3870	34	24	better	well	ADJ
fsr-3870	34	25	job	job	NOUN
fsr-3870	34	26	than	than	ADP
fsr-3870	34	27	brokerage	brokerage	NOUN
fsr-3870	34	28	houses	house	NOUN
fsr-3870	34	29	and	and	CCONJ
fsr-3870	34	30	insurance	insurance	NOUN
fsr-3870	34	31	companies	company	NOUN
fsr-3870	34	32	in	in	ADP
fsr-3870	34	33	educating	educate	VERB
fsr-3870	34	34	customers	customer	NOUN
fsr-3870	34	35	about	about	ADP
fsr-3870	34	36	the	the	DET
fsr-3870	34	37	risk	risk	NOUN
fsr-3870	34	38	of	of	ADP
fsr-3870	34	39	investment	investment	NOUN
fsr-3870	34	40	products	product	NOUN
fsr-3870	34	41	(	(	PUNCT
fsr-3870	34	42	kimmelman	kimmelman	NOUN
fsr-3870	34	43	,	,	PUNCT
fsr-3870	34	44	1995	1995	NUM
fsr-3870	34	45	)	)	PUNCT
fsr-3870	34	46	.	.	PUNCT
fsr-3870	35	1	a	a	DET
fsr-3870	35	2	second	second	ADJ
fsr-3870	35	3	round	round	NOUN
fsr-3870	35	4	of	of	ADP
fsr-3870	35	5	bank	bank	NOUN
fsr-3870	35	6	mystery	mystery	NOUN
fsr-3870	35	7	shopping	shopping	NOUN
fsr-3870	35	8	by	by	ADP
fsr-3870	35	9	the	the	DET
fsr-3870	35	10	same	same	ADJ
fsr-3870	35	11	company	company	NOUN
fsr-3870	35	12	in	in	ADP
fsr-3870	35	13	january	january	PROPN
fsr-3870	35	14	1996	1996	NUM
fsr-3870	35	15	,	,	PUNCT
fsr-3870	35	16	however	however	ADV
fsr-3870	35	17	,	,	PUNCT
fsr-3870	35	18	yielded	yield	VERB
fsr-3870	35	19	less	less	ADV
fsr-3870	35	20	favorable	favorable	ADJ
fsr-3870	35	21	results	result	NOUN
fsr-3870	35	22	about	about	ADP
fsr-3870	35	23	bank	bank	NOUN
fsr-3870	35	24	sales	sale	NOUN
fsr-3870	35	25	representatives	representative	NOUN
fsr-3870	35	26	’	’	PART
fsr-3870	35	27	disclosures	disclosure	NOUN
fsr-3870	35	28	of	of	ADP
fsr-3870	35	29	the	the	DET
fsr-3870	35	30	risks	risk	NOUN
fsr-3870	35	31	,	,	PUNCT
fsr-3870	35	32	fees	fee	NOUN
fsr-3870	35	33	,	,	PUNCT
fsr-3870	35	34	and	and	CCONJ
fsr-3870	35	35	expenses	expense	NOUN
fsr-3870	35	36	associated	associate	VERB
fsr-3870	35	37	with	with	ADP
fsr-3870	35	38	mutual	mutual	ADJ
fsr-3870	35	39	funds	fund	NOUN
fsr-3870	35	40	.	.	PUNCT
fsr-3870	36	1	bank	bank	NOUN
fsr-3870	36	2	representatives	representative	NOUN
fsr-3870	36	3	countered	counter	VERB
fsr-3870	36	4	that	that	SCONJ
fsr-3870	36	5	because	because	SCONJ
fsr-3870	36	6	such	such	ADJ
fsr-3870	36	7	disclosures	disclosure	NOUN
fsr-3870	36	8	are	be	AUX
fsr-3870	36	9	not	not	PART
fsr-3870	36	10	typically	typically	ADV
fsr-3870	36	11	made	make	VERB
fsr-3870	36	12	until	until	SCONJ
fsr-3870	36	13	the	the	DET
fsr-3870	36	14	sales	sale	NOUN
fsr-3870	36	15	are	be	AUX
fsr-3870	36	16	about	about	ADJ
fsr-3870	36	17	to	to	PART
fsr-3870	36	18	be	be	AUX
fsr-3870	36	19	closed	close	VERB
fsr-3870	36	20	,	,	PUNCT
fsr-3870	36	21	mystery	mystery	NOUN
fsr-3870	36	22	shoppers	shopper	NOUN
fsr-3870	36	23	would	would	AUX
fsr-3870	36	24	not	not	PART
fsr-3870	36	25	receive	receive	VERB
fsr-3870	36	26	them	they	PRON
fsr-3870	36	27	(	(	PUNCT
fsr-3870	36	28	plasencia	plasencia	PROPN
fsr-3870	36	29	&	&	CCONJ
fsr-3870	36	30	cope	cope	PROPN
fsr-3870	36	31	,	,	PUNCT
fsr-3870	36	32	1996	1996	NUM
fsr-3870	36	33	)	)	PUNCT
fsr-3870	36	34	.	.	PUNCT
fsr-3870	37	1	the	the	DET
fsr-3870	37	2	federal	federal	ADJ
fsr-3870	37	3	deposit	deposit	NOUN
fsr-3870	37	4	insurance	insurance	NOUN
fsr-3870	37	5	corporation	corporation	NOUN
fsr-3870	37	6	(	(	PUNCT
fsr-3870	37	7	“	"	PUNCT
fsr-3870	37	8	fdic	fdic	ADJ
fsr-3870	37	9	”	"	PUNCT
fsr-3870	37	10	)	)	PUNCT
fsr-3870	37	11	conducted	conduct	VERB
fsr-3870	37	12	a	a	DET
fsr-3870	37	13	shopping	shopping	NOUN
fsr-3870	37	14	survey	survey	NOUN
fsr-3870	37	15	of	of	ADP
fsr-3870	37	16	302	302	NUM
fsr-3870	37	17	g.j	g.j	PROPN
fsr-3870	37	18	.	.	PUNCT
fsr-3870	38	1	alexander	alexander	PROPN
fsr-3870	38	2	et	et	PROPN
fsr-3870	38	3	al	al	PROPN
fsr-3870	38	4	.	.	PUNCT
fsr-3870	38	5	/	/	SYM
fsr-3870	38	6	financial	financial	ADJ
fsr-3870	38	7	services	service	NOUN
fsr-3870	38	8	review	review	VERB
fsr-3870	38	9	7	7	NUM
fsr-3870	38	10	(	(	PUNCT
fsr-3870	38	11	1998	1998	NUM
fsr-3870	38	12	)	)	PUNCT
fsr-3870	38	13	301–316	301–316	NUM
fsr-3870	38	14	non	non	ADJ
fsr-3870	38	15	-	-	ADJ
fsr-3870	38	16	deposit	deposit	ADJ
fsr-3870	38	17	investment	investment	NOUN
fsr-3870	38	18	sales	sale	NOUN
fsr-3870	38	19	at	at	ADP
fsr-3870	38	20	fdic	fdic	ADJ
fsr-3870	38	21	-	-	PUNCT
fsr-3870	38	22	insured	insure	VERB
fsr-3870	38	23	depository	depository	NOUN
fsr-3870	38	24	institutions	institution	NOUN
fsr-3870	38	25	(	(	PUNCT
fsr-3870	38	26	market	market	NOUN
fsr-3870	38	27	trends	trend	NOUN
fsr-3870	38	28	,	,	PUNCT
fsr-3870	38	29	1996	1996	NUM
fsr-3870	38	30	)	)	PUNCT
fsr-3870	38	31	and	and	CCONJ
fsr-3870	38	32	found	find	VERB
fsr-3870	38	33	that	that	SCONJ
fsr-3870	38	34	bank	bank	NOUN
fsr-3870	38	35	sales	sale	NOUN
fsr-3870	38	36	representatives	representative	NOUN
fsr-3870	38	37	were	be	AUX
fsr-3870	38	38	more	more	ADV
fsr-3870	38	39	likely	likely	ADJ
fsr-3870	38	40	to	to	PART
fsr-3870	38	41	make	make	VERB
fsr-3870	38	42	required	required	ADJ
fsr-3870	38	43	disclosures	disclosure	NOUN
fsr-3870	38	44	in	in	ADP
fsr-3870	38	45	face	face	NOUN
fsr-3870	38	46	-	-	PUNCT
fsr-3870	38	47	to	to	ADP
fsr-3870	38	48	-	-	PUNCT
fsr-3870	38	49	face	face	NOUN
fsr-3870	38	50	discussions	discussion	NOUN
fsr-3870	38	51	with	with	ADP
fsr-3870	38	52	investors	investor	NOUN
fsr-3870	38	53	than	than	ADP
fsr-3870	38	54	over	over	ADP
fsr-3870	38	55	the	the	DET
fsr-3870	38	56	telephone	telephone	NOUN
fsr-3870	38	57	.	.	PUNCT
fsr-3870	39	1	concerns	concern	NOUN
fsr-3870	39	2	about	about	ADP
fsr-3870	39	3	investor	investor	NOUN
fsr-3870	39	4	understanding	understanding	NOUN
fsr-3870	39	5	of	of	ADP
fsr-3870	39	6	the	the	DET
fsr-3870	39	7	costs	cost	NOUN
fsr-3870	39	8	and	and	CCONJ
fsr-3870	39	9	risks	risk	NOUN
fsr-3870	39	10	of	of	ADP
fsr-3870	39	11	mutual	mutual	ADJ
fsr-3870	39	12	funds	fund	NOUN
fsr-3870	39	13	extend	extend	VERB
fsr-3870	39	14	beyond	beyond	ADP
fsr-3870	39	15	investors	investor	NOUN
fsr-3870	39	16	who	who	PRON
fsr-3870	39	17	obtain	obtain	VERB
fsr-3870	39	18	their	their	PRON
fsr-3870	39	19	fund	fund	NOUN
fsr-3870	39	20	shares	share	NOUN
fsr-3870	39	21	through	through	ADP
fsr-3870	39	22	a	a	DET
fsr-3870	39	23	bank	bank	NOUN
fsr-3870	39	24	-	-	PUNCT
fsr-3870	39	25	related	relate	VERB
fsr-3870	39	26	channel	channel	NOUN
fsr-3870	39	27	.	.	PUNCT
fsr-3870	40	1	for	for	ADP
fsr-3870	40	2	example	example	NOUN
fsr-3870	40	3	,	,	PUNCT
fsr-3870	40	4	a	a	DET
fsr-3870	40	5	recent	recent	ADJ
fsr-3870	40	6	survey	survey	NOUN
fsr-3870	40	7	of	of	ADP
fsr-3870	40	8	pension	pension	NOUN
fsr-3870	40	9	plan	plan	NOUN
fsr-3870	40	10	participants	participant	NOUN
fsr-3870	40	11	(	(	PUNCT
fsr-3870	40	12	mostly	mostly	ADV
fsr-3870	40	13	401(k	401(k	NOUN
fsr-3870	40	14	)	)	PUNCT
fsr-3870	40	15	plan	plan	NOUN
fsr-3870	40	16	participants	participant	NOUN
fsr-3870	40	17	)	)	PUNCT
fsr-3870	40	18	by	by	ADP
fsr-3870	40	19	john	john	PROPN
fsr-3870	40	20	hancock	hancock	PROPN
fsr-3870	40	21	mutual	mutual	PROPN
fsr-3870	40	22	life	life	PROPN
fsr-3870	40	23	insurance	insurance	PROPN
fsr-3870	40	24	co.	co.	PROPN
fsr-3870	40	25	reported	report	VERB
fsr-3870	40	26	that	that	SCONJ
fsr-3870	40	27	more	more	ADJ
fsr-3870	40	28	than	than	ADP
fsr-3870	40	29	one	one	NUM
fsr-3870	40	30	-	-	PUNCT
fsr-3870	40	31	third	third	NOUN
fsr-3870	40	32	of	of	ADP
fsr-3870	40	33	the	the	DET
fsr-3870	40	34	respondents	respondent	NOUN
fsr-3870	40	35	believed	believe	VERB
fsr-3870	40	36	it	it	PRON
fsr-3870	40	37	was	be	AUX
fsr-3870	40	38	impossible	impossible	ADJ
fsr-3870	40	39	to	to	PART
fsr-3870	40	40	lose	lose	VERB
fsr-3870	40	41	money	money	NOUN
fsr-3870	40	42	in	in	ADP
fsr-3870	40	43	a	a	DET
fsr-3870	40	44	bond	bond	NOUN
fsr-3870	40	45	fund	fund	NOUN
fsr-3870	40	46	(	(	PUNCT
fsr-3870	40	47	an	an	DET
fsr-3870	40	48	additional	additional	ADJ
fsr-3870	40	49	12	12	NUM
fsr-3870	40	50	%	%	NOUN
fsr-3870	40	51	were	be	AUX
fsr-3870	40	52	not	not	PART
fsr-3870	40	53	sure	sure	ADJ
fsr-3870	40	54	)	)	PUNCT
fsr-3870	40	55	,	,	PUNCT
fsr-3870	40	56	while	while	SCONJ
fsr-3870	40	57	12	12	NUM
fsr-3870	40	58	%	%	NOUN
fsr-3870	40	59	believed	believe	VERB
fsr-3870	40	60	it	it	PRON
fsr-3870	40	61	was	be	AUX
fsr-3870	40	62	impossible	impossible	ADJ
fsr-3870	40	63	to	to	PART
fsr-3870	40	64	lose	lose	VERB
fsr-3870	40	65	money	money	NOUN
fsr-3870	40	66	in	in	ADP
fsr-3870	40	67	a	a	DET
fsr-3870	40	68	stock	stock	NOUN
fsr-3870	40	69	fund	fund	NOUN
fsr-3870	40	70	or	or	CCONJ
fsr-3870	40	71	said	say	VERB
fsr-3870	40	72	they	they	PRON
fsr-3870	40	73	did	do	AUX
fsr-3870	40	74	not	not	PART
fsr-3870	40	75	know	know	VERB
fsr-3870	40	76	(	(	PUNCT
fsr-3870	40	77	schultz	schultz	PROPN
fsr-3870	40	78	,	,	PUNCT
fsr-3870	40	79	1995	1995	NUM
fsr-3870	40	80	)	)	PUNCT
fsr-3870	40	81	.	.	PUNCT
fsr-3870	41	1	more	more	ADV
fsr-3870	41	2	generally	generally	ADV
fsr-3870	41	3	,	,	PUNCT
fsr-3870	41	4	a	a	DET
fsr-3870	41	5	survey	survey	NOUN
fsr-3870	41	6	commissioned	commission	VERB
fsr-3870	41	7	by	by	ADP
fsr-3870	41	8	the	the	DET
fsr-3870	41	9	investor	investor	NOUN
fsr-3870	41	10	protection	protection	PROPN
fsr-3870	41	11	trust	trust	PROPN
fsr-3870	41	12	(	(	PUNCT
fsr-3870	41	13	crenshaw	crenshaw	PROPN
fsr-3870	41	14	,	,	PUNCT
fsr-3870	41	15	1996	1996	NUM
fsr-3870	41	16	)	)	PUNCT
fsr-3870	41	17	found	find	VERB
fsr-3870	41	18	that	that	SCONJ
fsr-3870	41	19	fewer	few	ADJ
fsr-3870	41	20	than	than	ADP
fsr-3870	41	21	one	one	NUM
fsr-3870	41	22	-	-	PUNCT
fsr-3870	41	23	fifth	fifth	NOUN
fsr-3870	41	24	of	of	ADP
fsr-3870	41	25	all	all	DET
fsr-3870	41	26	individual	individual	ADJ
fsr-3870	41	27	investors	investor	NOUN
fsr-3870	41	28	(	(	PUNCT
fsr-3870	41	29	in	in	ADP
fsr-3870	41	30	stocks	stock	NOUN
fsr-3870	41	31	,	,	PUNCT
fsr-3870	41	32	bonds	bond	NOUN
fsr-3870	41	33	,	,	PUNCT
fsr-3870	41	34	funds	fund	NOUN
fsr-3870	41	35	,	,	PUNCT
fsr-3870	41	36	or	or	CCONJ
fsr-3870	41	37	other	other	ADJ
fsr-3870	41	38	securities	security	NOUN
fsr-3870	41	39	)	)	PUNCT
fsr-3870	41	40	could	could	AUX
fsr-3870	41	41	be	be	AUX
fsr-3870	41	42	considered	consider	VERB
fsr-3870	41	43	“	"	PUNCT
fsr-3870	41	44	financially	financially	ADV
fsr-3870	41	45	literate	literate	ADJ
fsr-3870	41	46	”	"	PUNCT
fsr-3870	41	47	based	base	VERB
fsr-3870	41	48	on	on	ADP
fsr-3870	41	49	their	their	PRON
fsr-3870	41	50	responses	response	NOUN
fsr-3870	41	51	to	to	ADP
fsr-3870	41	52	a	a	DET
fsr-3870	41	53	quiz	quiz	NOUN
fsr-3870	41	54	.	.	PUNCT
fsr-3870	42	1	furthermore	furthermore	ADV
fsr-3870	42	2	,	,	PUNCT
fsr-3870	42	3	chen	chen	PROPN
fsr-3870	42	4	and	and	CCONJ
fsr-3870	42	5	volpe	volpe	PROPN
fsr-3870	42	6	(	(	PUNCT
fsr-3870	42	7	1998	1998	NUM
fsr-3870	42	8	)	)	PUNCT
fsr-3870	42	9	found	find	VERB
fsr-3870	42	10	that	that	SCONJ
fsr-3870	42	11	a	a	DET
fsr-3870	42	12	large	large	ADJ
fsr-3870	42	13	percentage	percentage	NOUN
fsr-3870	42	14	of	of	ADP
fsr-3870	42	15	college	college	NOUN
fsr-3870	42	16	students	student	NOUN
fsr-3870	42	17	are	be	AUX
fsr-3870	42	18	not	not	PART
fsr-3870	42	19	knowledgeable	knowledgeable	ADJ
fsr-3870	42	20	about	about	ADP
fsr-3870	42	21	personal	personal	ADJ
fsr-3870	42	22	finances	finance	NOUN
fsr-3870	42	23	.	.	PUNCT
fsr-3870	43	1	finally	finally	ADV
fsr-3870	43	2	,	,	PUNCT
fsr-3870	43	3	moneymagazine	moneymagazine	PROPN
fsr-3870	43	4	and	and	CCONJ
fsr-3870	43	5	the	the	DET
fsr-3870	43	6	vanguard	vanguard	PROPN
fsr-3870	43	7	funds	funds	PROPN
fsr-3870	43	8	group	group	NOUN
fsr-3870	43	9	jointly	jointly	ADV
fsr-3870	43	10	conducted	conduct	VERB
fsr-3870	43	11	a	a	DET
fsr-3870	43	12	20	20	NUM
fsr-3870	43	13	-	-	PUNCT
fsr-3870	43	14	question	question	NOUN
fsr-3870	43	15	survey	survey	NOUN
fsr-3870	43	16	of	of	ADP
fsr-3870	43	17	1,467	1,467	NUM
fsr-3870	43	18	mutual	mutual	ADJ
fsr-3870	43	19	fund	fund	NOUN
fsr-3870	43	20	investors	investor	NOUN
fsr-3870	43	21	and	and	CCONJ
fsr-3870	43	22	found	find	VERB
fsr-3870	43	23	that	that	SCONJ
fsr-3870	43	24	most	most	ADJ
fsr-3870	43	25	investors	investor	NOUN
fsr-3870	43	26	have	have	VERB
fsr-3870	43	27	inadequate	inadequate	ADJ
fsr-3870	43	28	knowledge	knowledge	NOUN
fsr-3870	43	29	about	about	ADP
fsr-3870	43	30	their	their	PRON
fsr-3870	43	31	mutual	mutual	ADJ
fsr-3870	43	32	fund	fund	NOUN
fsr-3870	43	33	investments	investment	NOUN
fsr-3870	43	34	(	(	PUNCT
fsr-3870	43	35	updegrave	updegrave	ADJ
fsr-3870	43	36	,	,	PUNCT
fsr-3870	43	37	1996	1996	NUM
fsr-3870	43	38	)	)	PUNCT
fsr-3870	43	39	.	.	PUNCT
fsr-3870	44	1	the	the	DET
fsr-3870	44	2	occ	occ	PROPN
fsr-3870	44	3	/	/	SYM
fsr-3870	44	4	sec	sec	PROPN
fsr-3870	44	5	survey	survey	NOUN
fsr-3870	44	6	focuses	focus	VERB
fsr-3870	44	7	on	on	ADP
fsr-3870	44	8	investor	investor	NOUN
fsr-3870	44	9	knowledge	knowledge	NOUN
fsr-3870	44	10	rather	rather	ADV
fsr-3870	44	11	than	than	ADP
fsr-3870	44	12	disclosure	disclosure	NOUN
fsr-3870	44	13	.	.	PUNCT
fsr-3870	45	1	one	one	NUM
fsr-3870	45	2	key	key	ADJ
fsr-3870	45	3	distinction	distinction	NOUN
fsr-3870	45	4	from	from	ADP
fsr-3870	45	5	previous	previous	ADJ
fsr-3870	45	6	surveys	survey	NOUN
fsr-3870	45	7	,	,	PUNCT
fsr-3870	45	8	however	however	ADV
fsr-3870	45	9	,	,	PUNCT
fsr-3870	45	10	is	be	AUX
fsr-3870	45	11	that	that	SCONJ
fsr-3870	45	12	detailed	detailed	ADJ
fsr-3870	45	13	information	information	NOUN
fsr-3870	45	14	on	on	ADP
fsr-3870	45	15	the	the	DET
fsr-3870	45	16	type	type	NOUN
fsr-3870	45	17	of	of	ADP
fsr-3870	45	18	distribution	distribution	NOUN
fsr-3870	45	19	channel	channel	NOUN
fsr-3870	45	20	used	use	VERB
fsr-3870	45	21	in	in	ADP
fsr-3870	45	22	purchasing	purchase	VERB
fsr-3870	45	23	mutual	mutual	ADJ
fsr-3870	45	24	funds	fund	NOUN
fsr-3870	45	25	was	be	AUX
fsr-3870	45	26	collected	collect	VERB
fsr-3870	45	27	.	.	PUNCT
fsr-3870	46	1	this	this	PRON
fsr-3870	46	2	permits	permit	VERB
fsr-3870	46	3	an	an	DET
fsr-3870	46	4	examination	examination	NOUN
fsr-3870	46	5	of	of	ADP
fsr-3870	46	6	the	the	DET
fsr-3870	46	7	differences	difference	NOUN
fsr-3870	46	8	in	in	ADP
fsr-3870	46	9	the	the	DET
fsr-3870	46	10	demographic	demographic	ADJ
fsr-3870	46	11	and	and	CCONJ
fsr-3870	46	12	financial	financial	ADJ
fsr-3870	46	13	characteristics	characteristic	NOUN
fsr-3870	46	14	of	of	ADP
fsr-3870	46	15	purchasers	purchaser	NOUN
fsr-3870	46	16	,	,	PUNCT
fsr-3870	46	17	as	as	ADV
fsr-3870	46	18	well	well	ADV
fsr-3870	46	19	as	as	ADP
fsr-3870	46	20	differences	difference	NOUN
fsr-3870	46	21	in	in	ADP
fsr-3870	46	22	the	the	DET
fsr-3870	46	23	degree	degree	NOUN
fsr-3870	46	24	of	of	ADP
fsr-3870	46	25	financial	financial	ADJ
fsr-3870	46	26	literacy	literacy	NOUN
fsr-3870	46	27	,	,	PUNCT
fsr-3870	46	28	by	by	ADP
fsr-3870	46	29	distribution	distribution	NOUN
fsr-3870	46	30	channel	channel	NOUN
fsr-3870	46	31	.	.	PUNCT
fsr-3870	47	1	3	3	X
fsr-3870	47	2	.	.	X
fsr-3870	47	3	demographic	demographic	ADJ
fsr-3870	47	4	and	and	CCONJ
fsr-3870	47	5	financial	financial	ADJ
fsr-3870	47	6	characteristics	characteristic	NOUN
fsr-3870	47	7	of	of	ADP
fsr-3870	47	8	mutual	mutual	ADJ
fsr-3870	47	9	fund	fund	NOUN
fsr-3870	47	10	investors	investor	NOUN
fsr-3870	47	11	the	the	DET
fsr-3870	47	12	major	major	ADJ
fsr-3870	47	13	demographic	demographic	ADJ
fsr-3870	47	14	characteristics	characteristic	NOUN
fsr-3870	47	15	considered	consider	VERB
fsr-3870	47	16	in	in	ADP
fsr-3870	47	17	the	the	DET
fsr-3870	47	18	survey	survey	NOUN
fsr-3870	47	19	included	include	VERB
fsr-3870	47	20	age	age	NOUN
fsr-3870	47	21	,	,	PUNCT
fsr-3870	47	22	income	income	NOUN
fsr-3870	47	23	,	,	PUNCT
fsr-3870	47	24	education	education	NOUN
fsr-3870	47	25	,	,	PUNCT
fsr-3870	47	26	and	and	CCONJ
fsr-3870	47	27	gender	gender	NOUN
fsr-3870	47	28	.	.	PUNCT
fsr-3870	48	1	purchasers	purchaser	NOUN
fsr-3870	48	2	from	from	ADP
fsr-3870	48	3	six	six	NUM
fsr-3870	48	4	distribution	distribution	NOUN
fsr-3870	48	5	channels	channel	NOUN
fsr-3870	48	6	,	,	PUNCT
fsr-3870	48	7	including	include	VERB
fsr-3870	48	8	stockbrokers	stockbroker	NOUN
fsr-3870	48	9	(	(	PUNCT
fsr-3870	48	10	both	both	CCONJ
fsr-3870	48	11	full	full	ADJ
fsr-3870	48	12	-	-	PUNCT
fsr-3870	48	13	service	service	NOUN
fsr-3870	48	14	and	and	CCONJ
fsr-3870	48	15	discount	discount	NOUN
fsr-3870	48	16	)	)	PUNCT
fsr-3870	48	17	,	,	PUNCT
fsr-3870	48	18	commercial	commercial	ADJ
fsr-3870	48	19	banks	bank	NOUN
fsr-3870	48	20	(	(	PUNCT
fsr-3870	48	21	both	both	PRON
fsr-3870	48	22	banks	bank	NOUN
fsr-3870	48	23	and	and	CCONJ
fsr-3870	48	24	savings	saving	NOUN
fsr-3870	48	25	associations	association	NOUN
fsr-3870	48	26	,	,	PUNCT
fsr-3870	48	27	hereafter	hereafter	ADJ
fsr-3870	48	28	banks	bank	NOUN
fsr-3870	48	29	)	)	PUNCT
fsr-3870	48	30	,	,	PUNCT
fsr-3870	48	31	mutual	mutual	ADJ
fsr-3870	48	32	fund	fund	NOUN
fsr-3870	48	33	companies	company	NOUN
fsr-3870	48	34	,	,	PUNCT
fsr-3870	48	35	insurance	insurance	NOUN
fsr-3870	48	36	companies	company	NOUN
fsr-3870	48	37	,	,	PUNCT
fsr-3870	48	38	employer	employer	NOUN
fsr-3870	48	39	-	-	PUNCT
fsr-3870	48	40	sponsored	sponsor	VERB
fsr-3870	48	41	pension	pension	NOUN
fsr-3870	48	42	plans	plan	NOUN
fsr-3870	48	43	,	,	PUNCT
fsr-3870	48	44	and	and	CCONJ
fsr-3870	48	45	“	"	PUNCT
fsr-3870	48	46	other	other	ADJ
fsr-3870	48	47	”	"	PUNCT
fsr-3870	48	48	(	(	PUNCT
fsr-3870	48	49	e.g.	e.g.	ADV
fsr-3870	48	50	,	,	PUNCT
fsr-3870	48	51	financial	financial	ADJ
fsr-3870	48	52	planners	planner	NOUN
fsr-3870	48	53	)	)	PUNCT
fsr-3870	48	54	were	be	AUX
fsr-3870	48	55	examined	examine	VERB
fsr-3870	48	56	.	.	PUNCT
fsr-3870	49	1	these	these	DET
fsr-3870	49	2	distribution	distribution	NOUN
fsr-3870	49	3	channels	channel	NOUN
fsr-3870	49	4	are	be	AUX
fsr-3870	49	5	not	not	PART
fsr-3870	49	6	mutually	mutually	ADV
fsr-3870	49	7	exclusive	exclusive	ADJ
fsr-3870	49	8	.	.	PUNCT
fsr-3870	50	1	that	that	PRON
fsr-3870	50	2	is	is	ADV
fsr-3870	50	3	,	,	PUNCT
fsr-3870	50	4	an	an	DET
fsr-3870	50	5	investor	investor	NOUN
fsr-3870	50	6	who	who	PRON
fsr-3870	50	7	purchases	purchase	VERB
fsr-3870	50	8	a	a	DET
fsr-3870	50	9	mutual	mutual	ADJ
fsr-3870	50	10	fund	fund	NOUN
fsr-3870	50	11	directly	directly	ADV
fsr-3870	50	12	from	from	ADP
fsr-3870	50	13	a	a	DET
fsr-3870	50	14	fund	fund	NOUN
fsr-3870	50	15	company	company	NOUN
fsr-3870	50	16	may	may	AUX
fsr-3870	50	17	purchase	purchase	VERB
fsr-3870	50	18	another	another	DET
fsr-3870	50	19	one	one	NOUN
fsr-3870	50	20	from	from	ADP
fsr-3870	50	21	a	a	DET
fsr-3870	50	22	bank	bank	NOUN
fsr-3870	50	23	or	or	CCONJ
fsr-3870	50	24	a	a	DET
fsr-3870	50	25	brokerage	brokerage	NOUN
fsr-3870	50	26	firm	firm	NOUN
fsr-3870	50	27	.	.	PUNCT
fsr-3870	51	1	as	as	ADP
fsr-3870	51	2	a	a	DET
fsr-3870	51	3	result	result	NOUN
fsr-3870	51	4	,	,	PUNCT
fsr-3870	51	5	the	the	DET
fsr-3870	51	6	percentages	percentage	NOUN
fsr-3870	51	7	reported	report	VERB
fsr-3870	51	8	in	in	ADP
fsr-3870	51	9	any	any	DET
fsr-3870	51	10	given	give	VERB
fsr-3870	51	11	row	row	NOUN
fsr-3870	51	12	for	for	SCONJ
fsr-3870	51	13	the	the	DET
fsr-3870	51	14	following	follow	VERB
fsr-3870	51	15	tables	table	NOUN
fsr-3870	51	16	often	often	ADV
fsr-3870	51	17	sum	sum	VERB
fsr-3870	51	18	to	to	ADP
fsr-3870	51	19	more	more	ADJ
fsr-3870	51	20	than	than	ADP
fsr-3870	51	21	100	100	NUM
fsr-3870	51	22	%	%	NOUN
fsr-3870	51	23	and	and	CCONJ
fsr-3870	51	24	the	the	DET
fsr-3870	51	25	chi	chi	NOUN
fsr-3870	51	26	-	-	PUNCT
fsr-3870	51	27	squared	square	VERB
fsr-3870	51	28	statistics	statistic	NOUN
fsr-3870	51	29	in	in	ADP
fsr-3870	51	30	the	the	DET
fsr-3870	51	31	tables	table	NOUN
fsr-3870	51	32	test	test	NOUN
fsr-3870	51	33	for	for	ADP
fsr-3870	51	34	significant	significant	ADJ
fsr-3870	51	35	differences	difference	NOUN
fsr-3870	51	36	between	between	ADP
fsr-3870	51	37	bank	bank	NOUN
fsr-3870	51	38	and	and	CCONJ
fsr-3870	51	39	non	non	ADJ
fsr-3870	51	40	-	-	ADJ
fsr-3870	51	41	bank	bank	ADJ
fsr-3870	51	42	purchasers	purchaser	NOUN
fsr-3870	51	43	,	,	PUNCT
fsr-3870	51	44	broker	broker	NOUN
fsr-3870	51	45	and	and	CCONJ
fsr-3870	51	46	non	non	ADJ
fsr-3870	51	47	-	-	ADJ
fsr-3870	51	48	broker	broker	ADJ
fsr-3870	51	49	purchasers	purchaser	NOUN
fsr-3870	51	50	,	,	PUNCT
fsr-3870	51	51	and	and	CCONJ
fsr-3870	51	52	so	so	ADV
fsr-3870	51	53	on	on	ADV
fsr-3870	51	54	.	.	PUNCT
fsr-3870	52	1	panel	panel	NOUN
fsr-3870	52	2	a	a	DET
fsr-3870	52	3	of	of	ADP
fsr-3870	52	4	table	table	NOUN
fsr-3870	52	5	1	1	NUM
fsr-3870	52	6	shows	show	VERB
fsr-3870	52	7	the	the	DET
fsr-3870	52	8	number	number	NOUN
fsr-3870	52	9	of	of	ADP
fsr-3870	52	10	respondents	respondent	NOUN
fsr-3870	52	11	for	for	ADP
fsr-3870	52	12	each	each	PRON
fsr-3870	52	13	of	of	ADP
fsr-3870	52	14	the	the	DET
fsr-3870	52	15	six	six	NUM
fsr-3870	52	16	channels	channel	NOUN
fsr-3870	52	17	.	.	PUNCT
fsr-3870	53	1	note	note	VERB
fsr-3870	53	2	that	that	SCONJ
fsr-3870	53	3	while	while	SCONJ
fsr-3870	53	4	there	there	PRON
fsr-3870	53	5	were	be	VERB
fsr-3870	53	6	2,000	2,000	NUM
fsr-3870	53	7	respondents	respondent	NOUN
fsr-3870	53	8	to	to	ADP
fsr-3870	53	9	the	the	DET
fsr-3870	53	10	survey	survey	NOUN
fsr-3870	53	11	,	,	PUNCT
fsr-3870	53	12	the	the	DET
fsr-3870	53	13	sum	sum	NOUN
fsr-3870	53	14	of	of	ADP
fsr-3870	53	15	the	the	DET
fsr-3870	53	16	respondents	respondent	NOUN
fsr-3870	53	17	in	in	ADP
fsr-3870	53	18	the	the	DET
fsr-3870	53	19	channels	channel	NOUN
fsr-3870	53	20	is	be	AUX
fsr-3870	53	21	3,232	3,232	NUM
fsr-3870	53	22	(	(	PUNCT
fsr-3870	53	23	summing	sum	VERB
fsr-3870	53	24	across	across	ADP
fsr-3870	53	25	the	the	DET
fsr-3870	53	26	row	row	NOUN
fsr-3870	53	27	)	)	PUNCT
fsr-3870	53	28	,	,	PUNCT
fsr-3870	53	29	indicating	indicate	VERB
fsr-3870	53	30	there	there	PRON
fsr-3870	53	31	are	be	VERB
fsr-3870	53	32	a	a	DET
fsr-3870	53	33	large	large	ADJ
fsr-3870	53	34	number	number	NOUN
fsr-3870	53	35	of	of	ADP
fsr-3870	53	36	multiplechannel	multiplechannel	NOUN
fsr-3870	53	37	purchasers	purchaser	NOUN
fsr-3870	53	38	.	.	PUNCT
fsr-3870	54	1	it	it	PRON
fsr-3870	54	2	should	should	AUX
fsr-3870	54	3	also	also	ADV
fsr-3870	54	4	be	be	AUX
fsr-3870	54	5	noted	note	VERB
fsr-3870	54	6	that	that	SCONJ
fsr-3870	54	7	not	not	PART
fsr-3870	54	8	all	all	DET
fsr-3870	54	9	respondents	respondent	NOUN
fsr-3870	54	10	provided	provide	VERB
fsr-3870	54	11	answers	answer	NOUN
fsr-3870	54	12	to	to	ADP
fsr-3870	54	13	all	all	DET
fsr-3870	54	14	questions	question	NOUN
fsr-3870	54	15	,	,	PUNCT
fsr-3870	54	16	so	so	CCONJ
fsr-3870	54	17	the	the	DET
fsr-3870	54	18	number	number	NOUN
fsr-3870	54	19	of	of	ADP
fsr-3870	54	20	responses	response	NOUN
fsr-3870	54	21	can	can	AUX
fsr-3870	54	22	vary	vary	VERB
fsr-3870	54	23	by	by	ADP
fsr-3870	54	24	question	question	NOUN
fsr-3870	54	25	.	.	PUNCT
fsr-3870	55	1	panels	panel	NOUN
fsr-3870	55	2	b	b	PROPN
fsr-3870	55	3	and	and	CCONJ
fsr-3870	55	4	c	c	PROPN
fsr-3870	55	5	of	of	ADP
fsr-3870	55	6	table	table	NOUN
fsr-3870	55	7	1	1	NUM
fsr-3870	55	8	show	show	VERB
fsr-3870	55	9	both	both	CCONJ
fsr-3870	55	10	demographic	demographic	ADJ
fsr-3870	55	11	and	and	CCONJ
fsr-3870	55	12	financial	financial	ADJ
fsr-3870	55	13	data	datum	NOUN
fsr-3870	55	14	on	on	ADP
fsr-3870	55	15	investors	investor	NOUN
fsr-3870	55	16	.	.	PUNCT
fsr-3870	56	1	as	as	SCONJ
fsr-3870	56	2	shown	show	VERB
fsr-3870	56	3	in	in	ADP
fsr-3870	56	4	panel	panel	NOUN
fsr-3870	56	5	b	b	PROPN
fsr-3870	56	6	,	,	PUNCT
fsr-3870	56	7	58.6	58.6	NUM
fsr-3870	56	8	%	%	NOUN
fsr-3870	56	9	of	of	ADP
fsr-3870	56	10	survey	survey	NOUN
fsr-3870	56	11	respondents	respondent	NOUN
fsr-3870	56	12	were	be	AUX
fsr-3870	56	13	males	male	NOUN
fsr-3870	56	14	.	.	PUNCT
fsr-3870	57	1	investors	investor	NOUN
fsr-3870	57	2	who	who	PRON
fsr-3870	57	3	purchased	purchase	VERB
fsr-3870	57	4	mutual	mutual	ADJ
fsr-3870	57	5	funds	fund	NOUN
fsr-3870	57	6	directly	directly	ADV
fsr-3870	57	7	from	from	ADP
fsr-3870	57	8	a	a	DET
fsr-3870	57	9	fund	fund	NOUN
fsr-3870	57	10	company	company	NOUN
fsr-3870	57	11	were	be	AUX
fsr-3870	57	12	significantly	significantly	ADV
fsr-3870	57	13	more	more	ADV
fsr-3870	57	14	likely	likely	ADJ
fsr-3870	57	15	to	to	PART
fsr-3870	57	16	be	be	AUX
fsr-3870	57	17	male	male	ADJ
fsr-3870	57	18	(	(	PUNCT
fsr-3870	57	19	69.4	69.4	NUM
fsr-3870	57	20	%	%	NOUN
fsr-3870	57	21	)	)	PUNCT
fsr-3870	57	22	,	,	PUNCT
fsr-3870	57	23	while	while	SCONJ
fsr-3870	57	24	303g.j	303g.j	NUM
fsr-3870	57	25	.	.	PUNCT
fsr-3870	58	1	alexander	alexander	PROPN
fsr-3870	58	2	et	et	PROPN
fsr-3870	58	3	al	al	PROPN
fsr-3870	58	4	.	.	PUNCT
fsr-3870	58	5	/	/	SYM
fsr-3870	58	6	financial	financial	ADJ
fsr-3870	58	7	services	service	NOUN
fsr-3870	58	8	review	review	VERB
fsr-3870	58	9	7	7	NUM
fsr-3870	58	10	(	(	PUNCT
fsr-3870	58	11	1998	1998	NUM
fsr-3870	58	12	)	)	PUNCT
fsr-3870	58	13	301–316	301–316	NUM
fsr-3870	58	14	bank	bank	NOUN
fsr-3870	58	15	purchasers	purchaser	NOUN
fsr-3870	58	16	(	(	PUNCT
fsr-3870	58	17	50	50	NUM
fsr-3870	58	18	%	%	NOUN
fsr-3870	58	19	)	)	PUNCT
fsr-3870	58	20	were	be	AUX
fsr-3870	58	21	equally	equally	ADV
fsr-3870	58	22	divided	divide	VERB
fsr-3870	58	23	between	between	ADP
fsr-3870	58	24	male	male	NOUN
fsr-3870	58	25	and	and	CCONJ
fsr-3870	58	26	female	female	NOUN
fsr-3870	58	27	,	,	PUNCT
fsr-3870	58	28	indicating	indicate	VERB
fsr-3870	58	29	that	that	SCONJ
fsr-3870	58	30	banks	bank	NOUN
fsr-3870	58	31	reach	reach	VERB
fsr-3870	58	32	a	a	DET
fsr-3870	58	33	somewhat	somewhat	ADV
fsr-3870	58	34	different	different	ADJ
fsr-3870	58	35	segment	segment	NOUN
fsr-3870	58	36	of	of	ADP
fsr-3870	58	37	the	the	DET
fsr-3870	58	38	population	population	NOUN
fsr-3870	58	39	than	than	ADP
fsr-3870	58	40	that	that	PRON
fsr-3870	58	41	reached	reach	VERB
fsr-3870	58	42	by	by	ADP
fsr-3870	58	43	other	other	ADJ
fsr-3870	58	44	mutual	mutual	ADJ
fsr-3870	58	45	fund	fund	NOUN
fsr-3870	58	46	providers	provider	NOUN
fsr-3870	58	47	.	.	PUNCT
fsr-3870	59	1	the	the	DET
fsr-3870	59	2	median	median	ADJ
fsr-3870	59	3	age	age	NOUN
fsr-3870	59	4	of	of	ADP
fsr-3870	59	5	a	a	DET
fsr-3870	59	6	mutual	mutual	ADJ
fsr-3870	59	7	fund	fund	NOUN
fsr-3870	59	8	shareholder	shareholder	NOUN
fsr-3870	59	9	in	in	ADP
fsr-3870	59	10	the	the	DET
fsr-3870	59	11	survey	survey	NOUN
fsr-3870	59	12	is	be	AUX
fsr-3870	59	13	43	43	NUM
fsr-3870	59	14	years	year	NOUN
fsr-3870	59	15	.	.	PUNCT
fsr-3870	60	1	younger	young	ADJ
fsr-3870	60	2	investors	investor	NOUN
fsr-3870	60	3	are	be	AUX
fsr-3870	60	4	significantly	significantly	ADV
fsr-3870	60	5	more	more	ADV
fsr-3870	60	6	likely	likely	ADJ
fsr-3870	60	7	to	to	PART
fsr-3870	60	8	invest	invest	VERB
fsr-3870	60	9	in	in	ADP
fsr-3870	60	10	mutual	mutual	ADJ
fsr-3870	60	11	funds	fund	NOUN
fsr-3870	60	12	through	through	ADP
fsr-3870	60	13	their	their	PRON
fsr-3870	60	14	pension	pension	NOUN
fsr-3870	60	15	plans	plan	NOUN
fsr-3870	60	16	(	(	PUNCT
fsr-3870	60	17	e.g.	e.g.	ADV
fsr-3870	60	18	,	,	PUNCT
fsr-3870	60	19	401(k	401(k	NOUN
fsr-3870	60	20	)	)	PUNCT
fsr-3870	60	21	plans	plan	NOUN
fsr-3870	60	22	)	)	PUNCT
fsr-3870	60	23	,	,	PUNCT
fsr-3870	60	24	reflecting	reflect	VERB
fsr-3870	60	25	the	the	DET
fsr-3870	60	26	increased	increase	VERB
fsr-3870	60	27	usage	usage	NOUN
fsr-3870	60	28	of	of	ADP
fsr-3870	60	29	defined	define	VERB
fsr-3870	60	30	contribution	contribution	NOUN
fsr-3870	60	31	plans	plan	NOUN
fsr-3870	60	32	by	by	ADP
fsr-3870	60	33	employers	employer	NOUN
fsr-3870	60	34	in	in	ADP
fsr-3870	60	35	recent	recent	ADJ
fsr-3870	60	36	years	year	NOUN
fsr-3870	60	37	.	.	PUNCT
fsr-3870	61	1	in	in	ADP
fsr-3870	61	2	terms	term	NOUN
fsr-3870	61	3	of	of	ADP
fsr-3870	61	4	income	income	NOUN
fsr-3870	61	5	,	,	PUNCT
fsr-3870	61	6	mutual	mutual	ADJ
fsr-3870	61	7	fund	fund	NOUN
fsr-3870	61	8	investors	investor	NOUN
fsr-3870	61	9	have	have	VERB
fsr-3870	61	10	a	a	DET
fsr-3870	61	11	median	median	ADJ
fsr-3870	61	12	household	household	NOUN
fsr-3870	61	13	income	income	NOUN
fsr-3870	61	14	of	of	ADP
fsr-3870	61	15	$	$	SYM
fsr-3870	61	16	58,800	58,800	NUM
fsr-3870	61	17	,	,	PUNCT
fsr-3870	61	18	which	which	PRON
fsr-3870	61	19	is	be	AUX
fsr-3870	61	20	close	close	ADJ
fsr-3870	61	21	to	to	ADP
fsr-3870	61	22	the	the	DET
fsr-3870	61	23	median	median	ADJ
fsr-3870	61	24	household	household	NOUN
fsr-3870	61	25	income	income	NOUN
fsr-3870	61	26	of	of	ADP
fsr-3870	61	27	fund	fund	NOUN
fsr-3870	61	28	owners	owner	NOUN
fsr-3870	61	29	reported	report	VERB
fsr-3870	61	30	elsewhere	elsewhere	ADV
fsr-3870	61	31	(	(	PUNCT
fsr-3870	61	32	investment	investment	NOUN
fsr-3870	61	33	company	company	NOUN
fsr-3870	61	34	institute	institute	NOUN
fsr-3870	61	35	,	,	PUNCT
fsr-3870	61	36	1999	1999	NUM
fsr-3870	61	37	)	)	PUNCT
fsr-3870	61	38	.	.	PUNCT
fsr-3870	62	1	mutual	mutual	ADJ
fsr-3870	62	2	fund	fund	NOUN
fsr-3870	62	3	purchasers	purchaser	NOUN
fsr-3870	62	4	using	use	VERB
fsr-3870	62	5	brokers	broker	NOUN
fsr-3870	62	6	,	,	PUNCT
fsr-3870	62	7	those	those	PRON
fsr-3870	62	8	buying	buy	VERB
fsr-3870	62	9	through	through	ADP
fsr-3870	62	10	pension	pension	NOUN
fsr-3870	62	11	plans	plan	NOUN
fsr-3870	62	12	,	,	PUNCT
fsr-3870	62	13	and	and	CCONJ
fsr-3870	62	14	those	those	PRON
fsr-3870	62	15	buying	buy	VERB
fsr-3870	62	16	directly	directly	ADV
fsr-3870	62	17	from	from	ADP
fsr-3870	62	18	the	the	DET
fsr-3870	62	19	fund	fund	NOUN
fsr-3870	62	20	company	company	NOUN
fsr-3870	62	21	report	report	VERB
fsr-3870	62	22	notably	notably	ADV
fsr-3870	62	23	higher	high	ADJ
fsr-3870	62	24	median	median	ADJ
fsr-3870	62	25	incomes	income	NOUN
fsr-3870	62	26	than	than	ADP
fsr-3870	62	27	those	those	PRON
fsr-3870	62	28	purchasing	purchase	VERB
fsr-3870	62	29	through	through	ADP
fsr-3870	62	30	other	other	ADJ
fsr-3870	62	31	distribution	distribution	NOUN
fsr-3870	62	32	channels	channel	NOUN
fsr-3870	62	33	.	.	PUNCT
fsr-3870	63	1	finally	finally	ADV
fsr-3870	63	2	,	,	PUNCT
fsr-3870	63	3	in	in	ADP
fsr-3870	63	4	terms	term	NOUN
fsr-3870	63	5	of	of	ADP
fsr-3870	63	6	education	education	NOUN
fsr-3870	63	7	,	,	PUNCT
fsr-3870	63	8	mutual	mutual	ADJ
fsr-3870	63	9	fund	fund	NOUN
fsr-3870	63	10	investors	investor	NOUN
fsr-3870	63	11	are	be	AUX
fsr-3870	63	12	well	well	ADV
fsr-3870	63	13	educated	educate	VERB
fsr-3870	63	14	,	,	PUNCT
fsr-3870	63	15	with	with	ADP
fsr-3870	63	16	54.6	54.6	NUM
fsr-3870	63	17	%	%	NOUN
fsr-3870	63	18	having	having	AUX
fsr-3870	63	19	at	at	ADV
fsr-3870	63	20	least	least	ADJ
fsr-3870	63	21	completed	complete	VERB
fsr-3870	63	22	college	college	NOUN
fsr-3870	63	23	.	.	PUNCT
fsr-3870	64	1	broker	broker	NOUN
fsr-3870	64	2	(	(	PUNCT
fsr-3870	64	3	62.8	62.8	NUM
fsr-3870	64	4	%	%	NOUN
fsr-3870	64	5	)	)	PUNCT
fsr-3870	64	6	and	and	CCONJ
fsr-3870	64	7	direct	direct	ADJ
fsr-3870	64	8	fund	fund	NOUN
fsr-3870	64	9	company	company	NOUN
fsr-3870	64	10	(	(	PUNCT
fsr-3870	64	11	68.5	68.5	NUM
fsr-3870	64	12	%	%	NOUN
fsr-3870	64	13	)	)	PUNCT
fsr-3870	64	14	customers	customer	NOUN
fsr-3870	64	15	are	be	AUX
fsr-3870	64	16	more	more	ADV
fsr-3870	64	17	likely	likely	ADJ
fsr-3870	64	18	to	to	PART
fsr-3870	64	19	have	have	VERB
fsr-3870	64	20	at	at	ADP
fsr-3870	64	21	least	least	ADJ
fsr-3870	64	22	a	a	DET
fsr-3870	64	23	college	college	NOUN
fsr-3870	64	24	degree	degree	NOUN
fsr-3870	64	25	than	than	ADP
fsr-3870	64	26	customers	customer	NOUN
fsr-3870	64	27	in	in	ADP
fsr-3870	64	28	the	the	DET
fsr-3870	64	29	other	other	ADJ
fsr-3870	64	30	distribution	distribution	NOUN
fsr-3870	64	31	channels	channel	NOUN
fsr-3870	64	32	,	,	PUNCT
fsr-3870	64	33	while	while	SCONJ
fsr-3870	64	34	bank	bank	NOUN
fsr-3870	64	35	(	(	PUNCT
fsr-3870	64	36	49.3	49.3	NUM
fsr-3870	64	37	%	%	NOUN
fsr-3870	64	38	)	)	PUNCT
fsr-3870	64	39	customers	customer	NOUN
fsr-3870	64	40	are	be	AUX
fsr-3870	64	41	less	less	ADV
fsr-3870	64	42	likely	likely	ADJ
fsr-3870	64	43	.	.	PUNCT
fsr-3870	65	1	table	table	NOUN
fsr-3870	65	2	1	1	NUM
fsr-3870	65	3	demographic	demographic	ADJ
fsr-3870	65	4	characteristics	characteristic	NOUN
fsr-3870	65	5	and	and	CCONJ
fsr-3870	65	6	financial	financial	ADJ
fsr-3870	65	7	experience	experience	NOUN
fsr-3870	65	8	of	of	ADP
fsr-3870	65	9	respondents	respondent	NOUN
fsr-3870	65	10	distribution	distribution	NOUN
fsr-3870	65	11	channel	channel	NOUN
fsr-3870	65	12	used	use	VERB
fsr-3870	65	13	bank	bank	NOUN
fsr-3870	65	14	broker	broker	PROPN
fsr-3870	65	15	pension	pension	NOUN
fsr-3870	65	16	direct	direct	ADJ
fsr-3870	65	17	insurance	insurance	NOUN
fsr-3870	65	18	other	other	ADJ
fsr-3870	65	19	total	total	ADJ
fsr-3870	65	20	a.	a.	NOUN
fsr-3870	65	21	number	number	NOUN
fsr-3870	65	22	of	of	ADP
fsr-3870	65	23	respondents	respondent	NOUN
fsr-3870	65	24	294	294	NUM
fsr-3870	65	25	638	638	NUM
fsr-3870	65	26	1,118	1,118	NUM
fsr-3870	65	27	569	569	NUM
fsr-3870	65	28	521	521	NUM
fsr-3870	65	29	92	92	NUM
fsr-3870	65	30	2,000	2,000	NUM
fsr-3870	65	31	b.	b.	NOUN
fsr-3870	65	32	demographic	demographic	ADJ
fsr-3870	65	33	characteristics	characteristic	NOUN
fsr-3870	65	34	male	male	NOUN
fsr-3870	65	35	50.0	50.0	NUM
fsr-3870	65	36	%	%	NOUN
fsr-3870	65	37	62.5	62.5	NUM
fsr-3870	65	38	%	%	NOUN
fsr-3870	65	39	62.3	62.3	NUM
fsr-3870	65	40	%	%	NOUN
fsr-3870	65	41	69.4	69.4	NUM
fsr-3870	65	42	%	%	NOUN
fsr-3870	65	43	*	*	NOUN
fsr-3870	65	44	54.9	54.9	NUM
fsr-3870	65	45	%	%	NOUN
fsr-3870	65	46	57.6	57.6	NUM
fsr-3870	65	47	%	%	NOUN
fsr-3870	65	48	58.6	58.6	NUM
fsr-3870	65	49	%	%	NOUN
fsr-3870	65	50	median	median	ADJ
fsr-3870	65	51	age	age	NOUN
fsr-3870	65	52	45	45	NUM
fsr-3870	66	1	*	*	SYM
fsr-3870	66	2	47	47	NUM
fsr-3870	66	3	*	*	SYM
fsr-3870	66	4	41	41	NUM
fsr-3870	66	5	*	*	NUM
fsr-3870	66	6	44	44	NUM
fsr-3870	66	7	*	*	SYM
fsr-3870	66	8	44	44	NUM
fsr-3870	66	9	44	44	NUM
fsr-3870	66	10	43	43	NUM
fsr-3870	66	11	median	median	ADJ
fsr-3870	66	12	income	income	NOUN
fsr-3870	66	13	$	$	SYM
fsr-3870	66	14	55,200	55,200	NUM
fsr-3870	66	15	$	$	SYM
fsr-3870	66	16	67,600	67,600	NUM
fsr-3870	66	17	*	*	PUNCT
fsr-3870	66	18	$	$	SYM
fsr-3870	66	19	62,100	62,100	NUM
fsr-3870	66	20	*	*	PUNCT
fsr-3870	66	21	$	$	SYM
fsr-3870	66	22	67,000	67,000	NUM
fsr-3870	66	23	*	*	PUNCT
fsr-3870	66	24	$	$	SYM
fsr-3870	66	25	59,200	59,200	NUM
fsr-3870	66	26	*	*	SYM
fsr-3870	66	27	$	$	SYM
fsr-3870	66	28	58,400	58,400	NUM
fsr-3870	66	29	$	$	SYM
fsr-3870	66	30	58,800	58,800	NUM
fsr-3870	66	31	college	college	NOUN
fsr-3870	66	32	grad	grad	NOUN
fsr-3870	66	33	.	.	PUNCT
fsr-3870	67	1	49.3	49.3	NUM
fsr-3870	67	2	%	%	NOUN
fsr-3870	67	3	*	*	PROPN
fsr-3870	67	4	62.8	62.8	NUM
fsr-3870	67	5	%	%	NOUN
fsr-3870	67	6	*	*	NOUN
fsr-3870	67	7	57.5	57.5	NUM
fsr-3870	67	8	%	%	NOUN
fsr-3870	67	9	68.5	68.5	NUM
fsr-3870	67	10	%	%	NOUN
fsr-3870	67	11	*	*	NOUN
fsr-3870	67	12	55.3	55.3	NUM
fsr-3870	67	13	%	%	NOUN
fsr-3870	67	14	52.2	52.2	NUM
fsr-3870	67	15	%	%	NOUN
fsr-3870	67	16	54.6	54.6	NUM
fsr-3870	67	17	%	%	NOUN
fsr-3870	67	18	c.	c.	PROPN
fsr-3870	67	19	financial	financial	ADJ
fsr-3870	67	20	characteristics	characteristic	NOUN
fsr-3870	67	21	seasoned	season	VERB
fsr-3870	67	22	investor1	investor1	PROPN
fsr-3870	67	23	85.2	85.2	NUM
fsr-3870	67	24	%	%	NOUN
fsr-3870	67	25	91.1	91.1	NUM
fsr-3870	67	26	%	%	NOUN
fsr-3870	67	27	*	*	NOUN
fsr-3870	67	28	85.0	85.0	NUM
fsr-3870	67	29	%	%	NOUN
fsr-3870	67	30	89.7	89.7	NUM
fsr-3870	67	31	%	%	NOUN
fsr-3870	67	32	*	*	PROPN
fsr-3870	67	33	90.5	90.5	NUM
fsr-3870	67	34	%	%	NOUN
fsr-3870	67	35	*	*	NOUN
fsr-3870	67	36	83.5	83.5	NUM
fsr-3870	67	37	%	%	NOUN
fsr-3870	67	38	85.2	85.2	NUM
fsr-3870	67	39	%	%	NOUN
fsr-3870	67	40	individual	individual	ADJ
fsr-3870	67	41	stocks	stock	NOUN
fsr-3870	67	42	44.6	44.6	NUM
fsr-3870	67	43	*	*	SYM
fsr-3870	67	44	72.6	72.6	NUM
fsr-3870	67	45	*	*	NOUN
fsr-3870	67	46	51.8	51.8	NUM
fsr-3870	67	47	58.4	58.4	NUM
fsr-3870	67	48	47.4	47.4	NUM
fsr-3870	67	49	42.4	42.4	NUM
fsr-3870	67	50	50.8	50.8	NUM
fsr-3870	67	51	individual	individual	ADJ
fsr-3870	67	52	bonds	bond	NOUN
fsr-3870	67	53	34.4	34.4	NUM
fsr-3870	67	54	39.0	39.0	NUM
fsr-3870	67	55	*	*	NOUN
fsr-3870	67	56	30.4	30.4	NUM
fsr-3870	67	57	33.4	33.4	NUM
fsr-3870	67	58	34.4	34.4	NUM
fsr-3870	67	59	29.4	29.4	NUM
fsr-3870	67	60	31.1	31.1	NUM
fsr-3870	67	61	cds	cd	NOUN
fsr-3870	67	62	47.6	47.6	NUM
fsr-3870	67	63	*	*	SYM
fsr-3870	67	64	41.7	41.7	NUM
fsr-3870	67	65	*	*	NUM
fsr-3870	67	66	30.8	30.8	NUM
fsr-3870	67	67	*	*	NOUN
fsr-3870	67	68	34.3	34.3	NUM
fsr-3870	67	69	36.3	36.3	NUM
fsr-3870	67	70	28.3	28.3	NUM
fsr-3870	67	71	34.9	34.9	NUM
fsr-3870	67	72	money	money	NOUN
fsr-3870	67	73	market	market	NOUN
fsr-3870	67	74	50.7	50.7	NUM
fsr-3870	67	75	*	*	NOUN
fsr-3870	67	76	46.2	46.2	NUM
fsr-3870	67	77	*	*	SYM
fsr-3870	67	78	36.5	36.5	NUM
fsr-3870	67	79	*	*	NOUN
fsr-3870	67	80	37.3	37.3	NUM
fsr-3870	67	81	36.3	36.3	NUM
fsr-3870	67	82	38.0	38.0	NUM
fsr-3870	67	83	38.3	38.3	NUM
fsr-3870	67	84	deposit	deposit	NOUN
fsr-3870	67	85	account	account	NOUN
fsr-3870	67	86	annuities	annuity	NOUN
fsr-3870	67	87	31.0	31.0	NUM
fsr-3870	67	88	31.0	31.0	NUM
fsr-3870	67	89	*	*	NOUN
fsr-3870	67	90	25.1	25.1	NUM
fsr-3870	67	91	25.0	25.0	NUM
fsr-3870	67	92	45.5	45.5	NUM
fsr-3870	67	93	*	*	SYM
fsr-3870	67	94	25.0	25.0	NUM
fsr-3870	67	95	26.7	26.7	NUM
fsr-3870	67	96	primary	primary	ADJ
fsr-3870	67	97	residence	residence	NOUN
fsr-3870	67	98	77.6	77.6	NUM
fsr-3870	67	99	88.6	88.6	NUM
fsr-3870	67	100	*	*	PUNCT
fsr-3870	67	101	81.0	81.0	NUM
fsr-3870	67	102	82.1	82.1	NUM
fsr-3870	67	103	84.6	84.6	NUM
fsr-3870	67	104	*	*	SYM
fsr-3870	67	105	71.7	71.7	NUM
fsr-3870	67	106	*	*	SYM
fsr-3870	67	107	80.9	80.9	NUM
fsr-3870	67	108	1	1	NUM
fsr-3870	67	109	purchased	purchase	VERB
fsr-3870	67	110	mutual	mutual	ADJ
fsr-3870	67	111	fund	fund	NOUN
fsr-3870	67	112	prior	prior	ADV
fsr-3870	67	113	to	to	ADP
fsr-3870	67	114	1993	1993	NUM
fsr-3870	67	115	.	.	PUNCT
fsr-3870	68	1	notes	note	NOUN
fsr-3870	68	2	:	:	PUNCT
fsr-3870	68	3	because	because	SCONJ
fsr-3870	68	4	the	the	DET
fsr-3870	68	5	distribution	distribution	NOUN
fsr-3870	68	6	channels	channel	NOUN
fsr-3870	68	7	are	be	AUX
fsr-3870	68	8	not	not	PART
fsr-3870	68	9	mutually	mutually	ADV
fsr-3870	68	10	exclusive	exclusive	ADJ
fsr-3870	68	11	,	,	PUNCT
fsr-3870	68	12	a	a	DET
fsr-3870	68	13	chi	chi	NOUN
fsr-3870	68	14	-	-	PUNCT
fsr-3870	68	15	squared	square	VERB
fsr-3870	68	16	statistic	statistic	NOUN
fsr-3870	68	17	is	be	AUX
fsr-3870	68	18	used	use	VERB
fsr-3870	68	19	to	to	PART
fsr-3870	68	20	test	test	VERB
fsr-3870	68	21	for	for	ADP
fsr-3870	68	22	significant	significant	ADJ
fsr-3870	68	23	differences	difference	NOUN
fsr-3870	68	24	in	in	ADP
fsr-3870	68	25	the	the	DET
fsr-3870	68	26	percentages	percentage	NOUN
fsr-3870	68	27	between	between	ADP
fsr-3870	68	28	bank	bank	NOUN
fsr-3870	68	29	and	and	CCONJ
fsr-3870	68	30	non	non	ADJ
fsr-3870	68	31	-	-	ADJ
fsr-3870	68	32	bank	bank	ADJ
fsr-3870	68	33	purchasers	purchaser	NOUN
fsr-3870	68	34	,	,	PUNCT
fsr-3870	68	35	broker	broker	NOUN
fsr-3870	68	36	and	and	CCONJ
fsr-3870	68	37	non	non	ADJ
fsr-3870	68	38	-	-	ADJ
fsr-3870	68	39	broker	broker	ADJ
fsr-3870	68	40	purchasers	purchaser	NOUN
fsr-3870	68	41	,	,	PUNCT
fsr-3870	68	42	pension	pension	NOUN
fsr-3870	68	43	and	and	CCONJ
fsr-3870	68	44	non	non	ADJ
fsr-3870	68	45	-	-	ADJ
fsr-3870	68	46	pension	pension	ADJ
fsr-3870	68	47	purchasers	purchaser	NOUN
fsr-3870	68	48	,	,	PUNCT
fsr-3870	68	49	direct	direct	ADJ
fsr-3870	68	50	and	and	CCONJ
fsr-3870	68	51	non	non	ADJ
fsr-3870	68	52	-	-	ADJ
fsr-3870	68	53	direct	direct	ADJ
fsr-3870	68	54	,	,	PUNCT
fsr-3870	68	55	insurance	insurance	NOUN
fsr-3870	68	56	and	and	CCONJ
fsr-3870	68	57	non	non	ADJ
fsr-3870	68	58	-	-	NOUN
fsr-3870	68	59	insurance	insurance	ADJ
fsr-3870	68	60	and	and	CCONJ
fsr-3870	68	61	“	"	PUNCT
fsr-3870	68	62	other	other	ADJ
fsr-3870	68	63	”	"	PUNCT
fsr-3870	68	64	and	and	CCONJ
fsr-3870	68	65	non	non	ADJ
fsr-3870	68	66	-	-	ADJ
fsr-3870	68	67	other	other	ADJ
fsr-3870	68	68	.	.	PUNCT
fsr-3870	69	1	to	to	PART
fsr-3870	69	2	save	save	VERB
fsr-3870	69	3	space	space	NOUN
fsr-3870	69	4	,	,	PUNCT
fsr-3870	69	5	the	the	DET
fsr-3870	69	6	cell	cell	NOUN
fsr-3870	69	7	values	value	NOUN
fsr-3870	69	8	corresponding	correspond	VERB
fsr-3870	69	9	to	to	ADP
fsr-3870	69	10	non	non	ADJ
fsr-3870	69	11	-	-	ADJ
fsr-3870	69	12	bank	bank	ADJ
fsr-3870	69	13	purchasers	purchaser	NOUN
fsr-3870	69	14	,	,	PUNCT
fsr-3870	69	15	non	non	ADJ
fsr-3870	69	16	-	-	ADJ
fsr-3870	69	17	broker	broker	ADJ
fsr-3870	69	18	purchasers	purchaser	NOUN
fsr-3870	69	19	,	,	PUNCT
fsr-3870	69	20	non	non	ADJ
fsr-3870	69	21	-	-	ADJ
fsr-3870	69	22	pension	pension	ADJ
fsr-3870	69	23	purchasers	purchaser	NOUN
fsr-3870	69	24	and	and	CCONJ
fsr-3870	69	25	so	so	ADV
fsr-3870	69	26	on	on	ADV
fsr-3870	69	27	are	be	AUX
fsr-3870	69	28	not	not	PART
fsr-3870	69	29	reported	report	VERB
fsr-3870	69	30	in	in	ADP
fsr-3870	69	31	the	the	DET
fsr-3870	69	32	table	table	NOUN
fsr-3870	69	33	.	.	PUNCT
fsr-3870	70	1	an	an	DET
fsr-3870	70	2	“	"	PUNCT
fsr-3870	70	3	*	*	NOUN
fsr-3870	70	4	”	"	PUNCT
fsr-3870	70	5	denotes	denote	VERB
fsr-3870	70	6	a	a	DET
fsr-3870	70	7	cell	cell	NOUN
fsr-3870	70	8	value	value	NOUN
fsr-3870	70	9	that	that	PRON
fsr-3870	70	10	is	be	AUX
fsr-3870	70	11	statistically	statistically	ADV
fsr-3870	70	12	significantly	significantly	ADV
fsr-3870	70	13	different	different	ADJ
fsr-3870	70	14	at	at	ADP
fsr-3870	70	15	the	the	DET
fsr-3870	70	16	five	five	NUM
fsr-3870	70	17	percent	percent	NOUN
fsr-3870	70	18	level	level	NOUN
fsr-3870	70	19	from	from	ADP
fsr-3870	70	20	the	the	DET
fsr-3870	70	21	corresponding	corresponding	ADJ
fsr-3870	70	22	value	value	NOUN
fsr-3870	70	23	for	for	ADP
fsr-3870	70	24	all	all	DET
fsr-3870	70	25	other	other	ADJ
fsr-3870	70	26	purchasers	purchaser	NOUN
fsr-3870	70	27	not	not	PART
fsr-3870	70	28	using	use	VERB
fsr-3870	70	29	the	the	DET
fsr-3870	70	30	particular	particular	ADJ
fsr-3870	70	31	distribution	distribution	NOUN
fsr-3870	70	32	channel	channel	NOUN
fsr-3870	70	33	being	be	AUX
fsr-3870	70	34	examined	examine	VERB
fsr-3870	70	35	.	.	PUNCT
fsr-3870	71	1	nonparametric	nonparametric	NOUN
fsr-3870	71	2	tests	test	NOUN
fsr-3870	71	3	for	for	ADP
fsr-3870	71	4	differences	difference	NOUN
fsr-3870	71	5	in	in	ADP
fsr-3870	71	6	the	the	DET
fsr-3870	71	7	percentage	percentage	NOUN
fsr-3870	71	8	values	value	NOUN
fsr-3870	71	9	yield	yield	VERB
fsr-3870	71	10	similar	similar	ADJ
fsr-3870	71	11	results	result	NOUN
fsr-3870	71	12	and	and	CCONJ
fsr-3870	71	13	are	be	AUX
fsr-3870	71	14	not	not	PART
fsr-3870	71	15	reported	report	VERB
fsr-3870	71	16	.	.	PUNCT
fsr-3870	72	1	a	a	DET
fsr-3870	72	2	nonparametric	nonparametric	NOUN
fsr-3870	72	3	test	test	NOUN
fsr-3870	72	4	for	for	ADP
fsr-3870	72	5	median	median	ADJ
fsr-3870	72	6	values	value	NOUN
fsr-3870	72	7	is	be	AUX
fsr-3870	72	8	used	use	VERB
fsr-3870	72	9	to	to	PART
fsr-3870	72	10	test	test	VERB
fsr-3870	72	11	for	for	ADP
fsr-3870	72	12	significant	significant	ADJ
fsr-3870	72	13	differences	difference	NOUN
fsr-3870	72	14	in	in	ADP
fsr-3870	72	15	the	the	DET
fsr-3870	72	16	median	median	ADJ
fsr-3870	72	17	age	age	NOUN
fsr-3870	72	18	between	between	ADP
fsr-3870	72	19	bank	bank	PROPN
fsr-3870	72	20	and	and	CCONJ
fsr-3870	72	21	non	non	ADJ
fsr-3870	72	22	-	-	ADJ
fsr-3870	72	23	bank	bank	ADJ
fsr-3870	72	24	purchasers	purchaser	NOUN
fsr-3870	72	25	,	,	PUNCT
fsr-3870	72	26	broker	broker	NOUN
fsr-3870	72	27	and	and	CCONJ
fsr-3870	72	28	non	non	ADJ
fsr-3870	72	29	-	-	ADJ
fsr-3870	72	30	broker	broker	ADJ
fsr-3870	72	31	purchasers	purchaser	NOUN
fsr-3870	72	32	,	,	PUNCT
fsr-3870	72	33	direct	direct	ADJ
fsr-3870	72	34	and	and	CCONJ
fsr-3870	72	35	non	non	ADJ
fsr-3870	72	36	-	-	ADJ
fsr-3870	72	37	direct	direct	ADJ
fsr-3870	72	38	,	,	PUNCT
fsr-3870	72	39	pension	pension	NOUN
fsr-3870	72	40	and	and	CCONJ
fsr-3870	72	41	non	non	ADJ
fsr-3870	72	42	-	-	ADJ
fsr-3870	72	43	pension	pension	ADJ
fsr-3870	72	44	purchasers	purchaser	NOUN
fsr-3870	72	45	,	,	PUNCT
fsr-3870	72	46	insurance	insurance	NOUN
fsr-3870	72	47	and	and	CCONJ
fsr-3870	72	48	non	non	ADJ
fsr-3870	72	49	-	-	NOUN
fsr-3870	72	50	insurance	insurance	ADJ
fsr-3870	72	51	and	and	CCONJ
fsr-3870	72	52	“	"	PUNCT
fsr-3870	72	53	other	other	ADJ
fsr-3870	72	54	”	"	PUNCT
fsr-3870	72	55	and	and	CCONJ
fsr-3870	72	56	non	non	ADJ
fsr-3870	72	57	-	-	ADJ
fsr-3870	72	58	other	other	ADJ
fsr-3870	72	59	channel	channel	NOUN
fsr-3870	72	60	.	.	PUNCT
fsr-3870	73	1	304	304	NUM
fsr-3870	73	2	g.j	g.j	PROPN
fsr-3870	73	3	.	.	PUNCT
fsr-3870	73	4	alexander	alexander	PROPN
fsr-3870	73	5	et	et	PROPN
fsr-3870	73	6	al	al	PROPN
fsr-3870	73	7	.	.	PUNCT
fsr-3870	73	8	/	/	SYM
fsr-3870	73	9	financial	financial	ADJ
fsr-3870	73	10	services	service	NOUN
fsr-3870	73	11	review	review	VERB
fsr-3870	73	12	7	7	NUM
fsr-3870	73	13	(	(	PUNCT
fsr-3870	73	14	1998	1998	NUM
fsr-3870	73	15	)	)	PUNCT
fsr-3870	73	16	301–316	301–316	NUM
fsr-3870	73	17	panel	panel	NOUN
fsr-3870	73	18	c	c	NOUN
fsr-3870	73	19	of	of	ADP
fsr-3870	73	20	table	table	NOUN
fsr-3870	73	21	1	1	NUM
fsr-3870	73	22	reports	report	VERB
fsr-3870	73	23	the	the	DET
fsr-3870	73	24	length	length	NOUN
fsr-3870	73	25	of	of	ADP
fsr-3870	73	26	time	time	NOUN
fsr-3870	73	27	that	that	PRON
fsr-3870	73	28	respondents	respondent	NOUN
fsr-3870	73	29	have	have	AUX
fsr-3870	73	30	been	be	AUX
fsr-3870	73	31	fund	fund	NOUN
fsr-3870	73	32	investors	investor	NOUN
fsr-3870	73	33	,	,	PUNCT
fsr-3870	73	34	i.e.	i.e.	X
fsr-3870	73	35	,	,	PUNCT
fsr-3870	73	36	investor	investor	NOUN
fsr-3870	73	37	seasoning	seasoning	NOUN
fsr-3870	73	38	.	.	PUNCT
fsr-3870	74	1	as	as	SCONJ
fsr-3870	74	2	shown	show	VERB
fsr-3870	74	3	in	in	ADP
fsr-3870	74	4	the	the	DET
fsr-3870	74	5	table	table	NOUN
fsr-3870	74	6	,	,	PUNCT
fsr-3870	74	7	the	the	DET
fsr-3870	74	8	average	average	ADJ
fsr-3870	74	9	mutual	mutual	ADJ
fsr-3870	74	10	fund	fund	NOUN
fsr-3870	74	11	shareholder	shareholder	NOUN
fsr-3870	74	12	was	be	AUX
fsr-3870	74	13	not	not	PART
fsr-3870	74	14	a	a	DET
fsr-3870	74	15	new	new	ADJ
fsr-3870	74	16	investor	investor	NOUN
fsr-3870	74	17	in	in	ADP
fsr-3870	74	18	mutual	mutual	ADJ
fsr-3870	74	19	funds	fund	NOUN
fsr-3870	74	20	since	since	SCONJ
fsr-3870	74	21	about	about	ADP
fsr-3870	74	22	85	85	NUM
fsr-3870	74	23	%	%	NOUN
fsr-3870	74	24	of	of	ADP
fsr-3870	74	25	the	the	DET
fsr-3870	74	26	survey	survey	NOUN
fsr-3870	74	27	respondents	respondent	NOUN
fsr-3870	74	28	purchased	purchase	VERB
fsr-3870	74	29	a	a	DET
fsr-3870	74	30	mutual	mutual	ADJ
fsr-3870	74	31	fund	fund	NOUN
fsr-3870	74	32	prior	prior	ADV
fsr-3870	74	33	to	to	ADP
fsr-3870	74	34	1993	1993	NUM
fsr-3870	74	35	.	.	PUNCT
fsr-3870	75	1	purchasers	purchaser	NOUN
fsr-3870	75	2	of	of	ADP
fsr-3870	75	3	mutual	mutual	ADJ
fsr-3870	75	4	funds	fund	NOUN
fsr-3870	75	5	from	from	ADP
fsr-3870	75	6	brokers	broker	NOUN
fsr-3870	75	7	,	,	PUNCT
fsr-3870	75	8	fund	fund	NOUN
fsr-3870	75	9	companies	company	NOUN
fsr-3870	75	10	,	,	PUNCT
fsr-3870	75	11	and	and	CCONJ
fsr-3870	75	12	insurance	insurance	NOUN
fsr-3870	75	13	companies	company	NOUN
fsr-3870	75	14	were	be	AUX
fsr-3870	75	15	significantly	significantly	ADV
fsr-3870	75	16	more	more	ADV
fsr-3870	75	17	likely	likely	ADJ
fsr-3870	75	18	to	to	PART
fsr-3870	75	19	be	be	AUX
fsr-3870	75	20	experienced	experience	VERB
fsr-3870	75	21	investors	investor	NOUN
fsr-3870	75	22	.	.	PUNCT
fsr-3870	76	1	the	the	DET
fsr-3870	76	2	panel	panel	NOUN
fsr-3870	76	3	also	also	ADV
fsr-3870	76	4	indicates	indicate	VERB
fsr-3870	76	5	that	that	SCONJ
fsr-3870	76	6	the	the	DET
fsr-3870	76	7	typical	typical	ADJ
fsr-3870	76	8	mutual	mutual	ADJ
fsr-3870	76	9	fund	fund	NOUN
fsr-3870	76	10	shareholder	shareholder	NOUN
fsr-3870	76	11	owned	own	VERB
fsr-3870	76	12	several	several	ADJ
fsr-3870	76	13	other	other	ADJ
fsr-3870	76	14	types	type	NOUN
fsr-3870	76	15	of	of	ADP
fsr-3870	76	16	financial	financial	ADJ
fsr-3870	76	17	assets	asset	NOUN
fsr-3870	76	18	besides	besides	SCONJ
fsr-3870	76	19	mutual	mutual	ADJ
fsr-3870	76	20	funds	fund	NOUN
fsr-3870	76	21	.	.	PUNCT
fsr-3870	77	1	roughly	roughly	ADV
fsr-3870	77	2	51	51	NUM
fsr-3870	77	3	%	%	NOUN
fsr-3870	77	4	owned	own	VERB
fsr-3870	77	5	individual	individual	ADJ
fsr-3870	77	6	stocks	stock	NOUN
fsr-3870	77	7	,	,	PUNCT
fsr-3870	77	8	31	31	NUM
fsr-3870	77	9	%	%	NOUN
fsr-3870	77	10	owned	own	VERB
fsr-3870	77	11	individual	individual	ADJ
fsr-3870	77	12	bonds	bond	NOUN
fsr-3870	77	13	,	,	PUNCT
fsr-3870	77	14	35	35	NUM
fsr-3870	77	15	%	%	NOUN
fsr-3870	77	16	owned	own	VERB
fsr-3870	77	17	certificates	certificate	NOUN
fsr-3870	77	18	of	of	ADP
fsr-3870	77	19	deposit	deposit	NOUN
fsr-3870	77	20	(	(	PUNCT
fsr-3870	77	21	“	"	PUNCT
fsr-3870	77	22	cds	cd	NOUN
fsr-3870	77	23	”	"	PUNCT
fsr-3870	77	24	)	)	PUNCT
fsr-3870	77	25	,	,	PUNCT
fsr-3870	77	26	38	38	NUM
fsr-3870	77	27	%	%	NOUN
fsr-3870	77	28	had	have	VERB
fsr-3870	77	29	money	money	NOUN
fsr-3870	77	30	market	market	NOUN
fsr-3870	77	31	deposit	deposit	NOUN
fsr-3870	77	32	accounts	account	NOUN
fsr-3870	77	33	(	(	PUNCT
fsr-3870	77	34	“	"	PUNCT
fsr-3870	77	35	mmdas	mmdas	PROPN
fsr-3870	77	36	”	"	PUNCT
fsr-3870	77	37	)	)	PUNCT
fsr-3870	77	38	,	,	PUNCT
fsr-3870	77	39	and	and	CCONJ
fsr-3870	77	40	27	27	NUM
fsr-3870	77	41	%	%	NOUN
fsr-3870	77	42	owned	own	VERB
fsr-3870	77	43	annuities	annuity	NOUN
fsr-3870	77	44	.	.	PUNCT
fsr-3870	78	1	furthermore	furthermore	ADV
fsr-3870	78	2	,	,	PUNCT
fsr-3870	78	3	about	about	ADV
fsr-3870	78	4	81	81	NUM
fsr-3870	78	5	%	%	NOUN
fsr-3870	78	6	of	of	ADP
fsr-3870	78	7	the	the	DET
fsr-3870	78	8	sample	sample	NOUN
fsr-3870	78	9	owned	own	VERB
fsr-3870	78	10	their	their	PRON
fsr-3870	78	11	primary	primary	ADJ
fsr-3870	78	12	residence	residence	NOUN
fsr-3870	78	13	.	.	PUNCT
fsr-3870	79	1	purchasers	purchaser	NOUN
fsr-3870	79	2	of	of	ADP
fsr-3870	79	3	mutual	mutual	ADJ
fsr-3870	79	4	funds	fund	NOUN
fsr-3870	79	5	from	from	ADP
fsr-3870	79	6	brokers	broker	NOUN
fsr-3870	79	7	were	be	AUX
fsr-3870	79	8	significantly	significantly	ADV
fsr-3870	79	9	more	more	ADV
fsr-3870	79	10	likely	likely	ADJ
fsr-3870	79	11	than	than	ADP
fsr-3870	79	12	all	all	DET
fsr-3870	79	13	other	other	ADJ
fsr-3870	79	14	purchasers	purchaser	NOUN
fsr-3870	79	15	to	to	PART
fsr-3870	79	16	own	own	VERB
fsr-3870	79	17	each	each	DET
fsr-3870	79	18	type	type	NOUN
fsr-3870	79	19	of	of	ADP
fsr-3870	79	20	financial	financial	ADJ
fsr-3870	79	21	asset	asset	NOUN
fsr-3870	79	22	listed	list	VERB
fsr-3870	79	23	and	and	CCONJ
fsr-3870	79	24	their	their	PRON
fsr-3870	79	25	primary	primary	ADJ
fsr-3870	79	26	residence	residence	NOUN
fsr-3870	79	27	.	.	PUNCT
fsr-3870	80	1	in	in	ADP
fsr-3870	80	2	contrast	contrast	NOUN
fsr-3870	80	3	,	,	PUNCT
fsr-3870	80	4	bank	bank	NOUN
fsr-3870	80	5	purchasers	purchaser	NOUN
fsr-3870	80	6	were	be	AUX
fsr-3870	80	7	significantly	significantly	ADV
fsr-3870	80	8	less	less	ADV
fsr-3870	80	9	likely	likely	ADJ
fsr-3870	80	10	to	to	PART
fsr-3870	80	11	own	own	VERB
fsr-3870	80	12	individual	individual	ADJ
fsr-3870	80	13	stocks	stock	NOUN
fsr-3870	80	14	but	but	CCONJ
fsr-3870	80	15	were	be	AUX
fsr-3870	80	16	significantly	significantly	ADV
fsr-3870	80	17	more	more	ADV
fsr-3870	80	18	likely	likely	ADJ
fsr-3870	80	19	to	to	PART
fsr-3870	80	20	own	own	VERB
fsr-3870	80	21	cds	cd	NOUN
fsr-3870	80	22	and	and	CCONJ
fsr-3870	80	23	mmdas	mmdas	PROPN
fsr-3870	80	24	.	.	PUNCT
fsr-3870	81	1	pension	pension	NOUN
fsr-3870	81	2	plan	plan	NOUN
fsr-3870	81	3	investors	investor	NOUN
fsr-3870	81	4	were	be	AUX
fsr-3870	81	5	significantly	significantly	ADV
fsr-3870	81	6	less	less	ADV
fsr-3870	81	7	likely	likely	ADJ
fsr-3870	81	8	to	to	PART
fsr-3870	81	9	own	own	VERB
fsr-3870	81	10	cds	cd	NOUN
fsr-3870	81	11	and	and	CCONJ
fsr-3870	81	12	mmdas	mmda	NOUN
fsr-3870	81	13	,	,	PUNCT
fsr-3870	81	14	whereas	whereas	SCONJ
fsr-3870	81	15	insurance	insurance	NOUN
fsr-3870	81	16	company	company	NOUN
fsr-3870	81	17	investors	investor	NOUN
fsr-3870	81	18	were	be	AUX
fsr-3870	81	19	more	more	ADV
fsr-3870	81	20	likely	likely	ADJ
fsr-3870	81	21	to	to	PART
fsr-3870	81	22	own	own	VERB
fsr-3870	81	23	annuities	annuity	NOUN
fsr-3870	81	24	and	and	CCONJ
fsr-3870	81	25	their	their	PRON
fsr-3870	81	26	primary	primary	ADJ
fsr-3870	81	27	residence	residence	NOUN
fsr-3870	81	28	.	.	PUNCT
fsr-3870	82	1	panel	panel	NOUN
fsr-3870	82	2	a	a	DET
fsr-3870	82	3	of	of	ADP
fsr-3870	82	4	table	table	NOUN
fsr-3870	82	5	2	2	NUM
fsr-3870	82	6	presents	present	NOUN
fsr-3870	82	7	data	datum	NOUN
fsr-3870	82	8	on	on	ADP
fsr-3870	82	9	the	the	DET
fsr-3870	82	10	types	type	NOUN
fsr-3870	82	11	of	of	ADP
fsr-3870	82	12	mutual	mutual	ADJ
fsr-3870	82	13	funds	fund	NOUN
fsr-3870	82	14	owned	own	VERB
fsr-3870	82	15	by	by	ADP
fsr-3870	82	16	purchasers	purchaser	NOUN
fsr-3870	82	17	using	use	VERB
fsr-3870	82	18	the	the	DET
fsr-3870	82	19	various	various	ADJ
fsr-3870	82	20	distribution	distribution	NOUN
fsr-3870	82	21	channels	channel	NOUN
fsr-3870	82	22	.	.	PUNCT
fsr-3870	83	1	in	in	ADP
fsr-3870	83	2	general	general	ADJ
fsr-3870	83	3	,	,	PUNCT
fsr-3870	83	4	each	each	DET
fsr-3870	83	5	type	type	NOUN
fsr-3870	83	6	or	or	CCONJ
fsr-3870	83	7	category	category	NOUN
fsr-3870	83	8	of	of	ADP
fsr-3870	83	9	fund	fund	NOUN
fsr-3870	83	10	represents	represent	VERB
fsr-3870	83	11	a	a	DET
fsr-3870	83	12	table	table	NOUN
fsr-3870	83	13	2	2	NUM
fsr-3870	83	14	ownership	ownership	NOUN
fsr-3870	83	15	attributes	attribute	VERB
fsr-3870	83	16	distribution	distribution	NOUN
fsr-3870	83	17	channel	channel	NOUN
fsr-3870	83	18	used	use	VERB
fsr-3870	83	19	bank	bank	NOUN
fsr-3870	83	20	broker	broker	PROPN
fsr-3870	83	21	pension	pension	NOUN
fsr-3870	83	22	direct	direct	ADJ
fsr-3870	83	23	insurance	insurance	NOUN
fsr-3870	83	24	other	other	ADJ
fsr-3870	83	25	total	total	ADJ
fsr-3870	83	26	a.	a.	NOUN
fsr-3870	83	27	type	type	NOUN
fsr-3870	83	28	of	of	ADP
fsr-3870	83	29	fund	fund	NOUN
fsr-3870	83	30	owned	own	VERB
fsr-3870	83	31	stock	stock	NOUN
fsr-3870	83	32	64.8	64.8	NUM
fsr-3870	83	33	%	%	NOUN
fsr-3870	83	34	*	*	PROPN
fsr-3870	83	35	82.3	82.3	NUM
fsr-3870	83	36	%	%	NOUN
fsr-3870	83	37	*	*	NOUN
fsr-3870	83	38	80.1	80.1	NUM
fsr-3870	83	39	*	*	SYM
fsr-3870	83	40	85.3	85.3	NUM
fsr-3870	83	41	%	%	NOUN
fsr-3870	83	42	*	*	NOUN
fsr-3870	83	43	58.5	58.5	NUM
fsr-3870	83	44	%	%	NOUN
fsr-3870	83	45	*	*	NOUN
fsr-3870	83	46	75.9	75.9	NUM
fsr-3870	83	47	%	%	NOUN
fsr-3870	83	48	72.9	72.9	NUM
fsr-3870	83	49	%	%	NOUN
fsr-3870	83	50	bond	bond	NOUN
fsr-3870	83	51	40.3	40.3	NUM
fsr-3870	83	52	45.6	45.6	NUM
fsr-3870	83	53	*	*	NUM
fsr-3870	83	54	39.3	39.3	NUM
fsr-3870	83	55	*	*	SYM
fsr-3870	83	56	39.7	39.7	NUM
fsr-3870	83	57	*	*	SYM
fsr-3870	83	58	41.0	41.0	NUM
fsr-3870	83	59	*	*	NOUN
fsr-3870	83	60	34.5	34.5	NUM
fsr-3870	83	61	36.1	36.1	NUM
fsr-3870	83	62	money	money	NOUN
fsr-3870	83	63	44.6	44.6	NUM
fsr-3870	83	64	*	*	SYM
fsr-3870	83	65	39.4	39.4	NUM
fsr-3870	83	66	39.1	39.1	NUM
fsr-3870	83	67	38.8	38.8	NUM
fsr-3870	83	68	65.5	65.5	NUM
fsr-3870	83	69	*	*	PUNCT
fsr-3870	83	70	32.8	32.8	NUM
fsr-3870	83	71	39.2	39.2	NUM
fsr-3870	83	72	other	other	ADJ
fsr-3870	83	73	15.5	15.5	NUM
fsr-3870	83	74	19.1	19.1	NUM
fsr-3870	83	75	12.4	12.4	NUM
fsr-3870	83	76	*	*	PUNCT
fsr-3870	83	77	21.8	21.8	NUM
fsr-3870	83	78	*	*	NUM
fsr-3870	83	79	28.6	28.6	NUM
fsr-3870	83	80	*	*	SYM
fsr-3870	83	81	20.7	20.7	NUM
fsr-3870	83	82	14.6	14.6	NUM
fsr-3870	83	83	median	median	ADJ
fsr-3870	83	84	number	number	NOUN
fsr-3870	83	85	2	2	NUM
fsr-3870	83	86	*	*	SYM
fsr-3870	83	87	2	2	NUM
fsr-3870	83	88	*	*	SYM
fsr-3870	83	89	2	2	NUM
fsr-3870	83	90	*	*	SYM
fsr-3870	83	91	2	2	NUM
fsr-3870	83	92	*	*	SYM
fsr-3870	83	93	2	2	NUM
fsr-3870	83	94	*	*	SYM
fsr-3870	83	95	1	1	NUM
fsr-3870	83	96	1	1	NUM
fsr-3870	83	97	of	of	ADP
fsr-3870	83	98	channels	channel	NOUN
fsr-3870	83	99	used	use	VERB
fsr-3870	83	100	b.	b.	PROPN
fsr-3870	83	101	number	number	NOUN
fsr-3870	83	102	of	of	ADP
fsr-3870	83	103	funds	fund	NOUN
fsr-3870	83	104	owned	own	VERB
fsr-3870	83	105	one	one	NUM
fsr-3870	83	106	22.9	22.9	NUM
fsr-3870	83	107	%	%	NOUN
fsr-3870	83	108	12.5	12.5	NUM
fsr-3870	83	109	%	%	NOUN
fsr-3870	83	110	*	*	NOUN
fsr-3870	83	111	18.3	18.3	NUM
fsr-3870	83	112	%	%	NOUN
fsr-3870	83	113	*	*	NUM
fsr-3870	83	114	13.4	13.4	NUM
fsr-3870	83	115	%	%	NOUN
fsr-3870	83	116	*	*	NOUN
fsr-3870	83	117	18.9	18.9	NUM
fsr-3870	83	118	%	%	NOUN
fsr-3870	83	119	*	*	NOUN
fsr-3870	83	120	32.1	32.1	NUM
fsr-3870	83	121	%	%	NOUN
fsr-3870	83	122	*	*	NOUN
fsr-3870	83	123	23.3	23.3	NUM
fsr-3870	83	124	%	%	NOUN
fsr-3870	83	125	two	two	NUM
fsr-3870	83	126	20.6	20.6	NUM
fsr-3870	83	127	15.7	15.7	NUM
fsr-3870	83	128	*	*	NUM
fsr-3870	83	129	20.3	20.3	NUM
fsr-3870	83	130	17.2	17.2	NUM
fsr-3870	83	131	*	*	NOUN
fsr-3870	83	132	22.3	22.3	NUM
fsr-3870	83	133	10.7	10.7	NUM
fsr-3870	83	134	*	*	NUM
fsr-3870	84	1	21.0	21.0	NUM
fsr-3870	84	2	three	three	NUM
fsr-3870	84	3	19.8	19.8	NUM
fsr-3870	84	4	14.9	14.9	NUM
fsr-3870	84	5	17.0	17.0	NUM
fsr-3870	84	6	12.5	12.5	NUM
fsr-3870	84	7	*	*	NOUN
fsr-3870	84	8	15.2	15.2	NUM
fsr-3870	84	9	16.7	16.7	NUM
fsr-3870	84	10	16.1	16.1	NUM
fsr-3870	84	11	four	four	NUM
fsr-3870	84	12	or	or	CCONJ
fsr-3870	84	13	more	more	ADJ
fsr-3870	84	14	36.8	36.8	NUM
fsr-3870	84	15	56.9	56.9	NUM
fsr-3870	84	16	%	%	NOUN
fsr-3870	84	17	*	*	NOUN
fsr-3870	85	1	44.4	44.4	NUM
fsr-3870	85	2	*	*	NUM
fsr-3870	85	3	57.0	57.0	NUM
fsr-3870	85	4	*	*	NUM
fsr-3870	85	5	43.6	43.6	NUM
fsr-3870	85	6	*	*	PUNCT
fsr-3870	85	7	40.5	40.5	NUM
fsr-3870	85	8	39.6	39.6	NUM
fsr-3870	85	9	total	total	NOUN
fsr-3870	85	10	100.0	100.0	NUM
fsr-3870	85	11	%	%	NOUN
fsr-3870	85	12	100.0	100.0	NUM
fsr-3870	85	13	%	%	NOUN
fsr-3870	85	14	100.0	100.0	NUM
fsr-3870	85	15	%	%	NOUN
fsr-3870	85	16	100.0	100.0	NUM
fsr-3870	85	17	%	%	NOUN
fsr-3870	85	18	100.0	100.0	NUM
fsr-3870	85	19	%	%	NOUN
fsr-3870	85	20	100.0	100.0	NUM
fsr-3870	85	21	%	%	NOUN
fsr-3870	85	22	100.0	100.0	NUM
fsr-3870	85	23	%	%	NOUN
fsr-3870	85	24	median	median	ADJ
fsr-3870	85	25	number	number	NOUN
fsr-3870	85	26	3	3	NUM
fsr-3870	85	27	41	41	NUM
fsr-3870	85	28	*	*	SYM
fsr-3870	85	29	3	3	NUM
fsr-3870	85	30	*	*	SYM
fsr-3870	85	31	41	41	NUM
fsr-3870	85	32	*	*	SYM
fsr-3870	85	33	3	3	NUM
fsr-3870	85	34	3	3	NUM
fsr-3870	85	35	3	3	NUM
fsr-3870	85	36	of	of	ADP
fsr-3870	85	37	funds	fund	NOUN
fsr-3870	85	38	owned	own	VERB
fsr-3870	85	39	c.	c.	NOUN
fsr-3870	85	40	type	type	NOUN
fsr-3870	85	41	of	of	ADP
fsr-3870	85	42	largest	large	ADJ
fsr-3870	85	43	fund	fund	NOUN
fsr-3870	85	44	owned	own	VERB
fsr-3870	85	45	stock	stock	NOUN
fsr-3870	85	46	49.8	49.8	NUM
fsr-3870	85	47	%	%	NOUN
fsr-3870	85	48	*	*	NOUN
fsr-3870	85	49	69.7	69.7	NUM
fsr-3870	85	50	%	%	NOUN
fsr-3870	85	51	*	*	NOUN
fsr-3870	85	52	68.0	68.0	NUM
fsr-3870	85	53	%	%	NOUN
fsr-3870	85	54	*	*	NOUN
fsr-3870	85	55	73.9	73.9	NUM
fsr-3870	85	56	%	%	NOUN
fsr-3870	85	57	*	*	NOUN
fsr-3870	85	58	59.5	59.5	NUM
fsr-3870	85	59	%	%	NOUN
fsr-3870	85	60	*	*	NOUN
fsr-3870	85	61	59.3	59.3	NUM
fsr-3870	85	62	%	%	NOUN
fsr-3870	85	63	63.8	63.8	NUM
fsr-3870	85	64	%	%	NOUN
fsr-3870	85	65	bond	bond	NOUN
fsr-3870	85	66	14.7	14.7	NUM
fsr-3870	85	67	*	*	NUM
fsr-3870	85	68	11.6	11.6	NUM
fsr-3870	85	69	8.1	8.1	NUM
fsr-3870	85	70	*	*	PUNCT
fsr-3870	85	71	7.9	7.9	NUM
fsr-3870	85	72	*	*	SYM
fsr-3870	85	73	9.0	9.0	NUM
fsr-3870	85	74	20.4	20.4	NUM
fsr-3870	85	75	*	*	SYM
fsr-3870	85	76	10.6	10.6	NUM
fsr-3870	85	77	money	money	NOUN
fsr-3870	85	78	25.3	25.3	NUM
fsr-3870	85	79	*	*	SYM
fsr-3870	85	80	11.6	11.6	NUM
fsr-3870	85	81	*	*	NUM
fsr-3870	85	82	14.1	14.1	NUM
fsr-3870	85	83	*	*	SYM
fsr-3870	85	84	9.7	9.7	NUM
fsr-3870	85	85	*	*	SYM
fsr-3870	85	86	20.1	20.1	NUM
fsr-3870	85	87	*	*	SYM
fsr-3870	85	88	13.0	13.0	NUM
fsr-3870	85	89	16.3	16.3	NUM
fsr-3870	85	90	other	other	ADJ
fsr-3870	85	91	10.2	10.2	NUM
fsr-3870	85	92	7.3	7.3	NUM
fsr-3870	85	93	*	*	NOUN
fsr-3870	85	94	9.8	9.8	NUM
fsr-3870	85	95	8.5	8.5	NUM
fsr-3870	85	96	11.3	11.3	NUM
fsr-3870	85	97	7.4	7.4	NUM
fsr-3870	85	98	9.3	9.3	NUM
fsr-3870	85	99	notes:1	notes:1	NOUN
fsr-3870	85	100	.	.	PUNCT
fsr-3870	86	1	a	a	DET
fsr-3870	86	2	“	"	PUNCT
fsr-3870	86	3	*	*	NOUN
fsr-3870	86	4	”	"	PUNCT
fsr-3870	86	5	denotes	denote	VERB
fsr-3870	86	6	a	a	DET
fsr-3870	86	7	cell	cell	NOUN
fsr-3870	86	8	value	value	NOUN
fsr-3870	86	9	that	that	PRON
fsr-3870	86	10	is	be	AUX
fsr-3870	86	11	statistically	statistically	ADV
fsr-3870	86	12	significantly	significantly	ADV
fsr-3870	86	13	different	different	ADJ
fsr-3870	86	14	at	at	ADP
fsr-3870	86	15	the	the	DET
fsr-3870	86	16	five	five	NUM
fsr-3870	86	17	percent	percent	NOUN
fsr-3870	86	18	level	level	NOUN
fsr-3870	86	19	from	from	ADP
fsr-3870	86	20	the	the	DET
fsr-3870	86	21	corresponding	corresponding	ADJ
fsr-3870	86	22	value	value	NOUN
fsr-3870	86	23	for	for	ADP
fsr-3870	86	24	all	all	DET
fsr-3870	86	25	other	other	ADJ
fsr-3870	86	26	purchasers	purchaser	NOUN
fsr-3870	86	27	not	not	PART
fsr-3870	86	28	using	use	VERB
fsr-3870	86	29	the	the	DET
fsr-3870	86	30	particular	particular	ADJ
fsr-3870	86	31	distribution	distribution	NOUN
fsr-3870	86	32	channel	channel	NOUN
fsr-3870	86	33	being	be	AUX
fsr-3870	86	34	examined	examine	VERB
fsr-3870	86	35	.	.	PUNCT
fsr-3870	87	1	2	2	X
fsr-3870	87	2	.	.	X
fsr-3870	87	3	fund	fund	NOUN
fsr-3870	87	4	owners	owner	NOUN
fsr-3870	87	5	with	with	ADP
fsr-3870	87	6	four	four	NUM
fsr-3870	87	7	or	or	CCONJ
fsr-3870	87	8	more	more	ADJ
fsr-3870	87	9	funds	fund	NOUN
fsr-3870	87	10	are	be	AUX
fsr-3870	87	11	represented	represent	VERB
fsr-3870	87	12	by	by	ADP
fsr-3870	87	13	41	41	NUM
fsr-3870	87	14	since	since	SCONJ
fsr-3870	87	15	the	the	DET
fsr-3870	87	16	exact	exact	ADJ
fsr-3870	87	17	number	number	NOUN
fsr-3870	87	18	of	of	ADP
fsr-3870	87	19	funds	fund	NOUN
fsr-3870	87	20	,	,	PUNCT
fsr-3870	87	21	if	if	SCONJ
fsr-3870	87	22	over	over	ADP
fsr-3870	87	23	three	three	NUM
fsr-3870	87	24	,	,	PUNCT
fsr-3870	87	25	was	be	AUX
fsr-3870	87	26	not	not	PART
fsr-3870	87	27	requested	request	VERB
fsr-3870	87	28	in	in	ADP
fsr-3870	87	29	the	the	DET
fsr-3870	87	30	survey	survey	NOUN
fsr-3870	87	31	.	.	PUNCT
fsr-3870	88	1	3	3	X
fsr-3870	88	2	.	.	X
fsr-3870	88	3	see	see	VERB
fsr-3870	88	4	notes	note	NOUN
fsr-3870	88	5	to	to	ADP
fsr-3870	88	6	table	table	NOUN
fsr-3870	88	7	1	1	NUM
fsr-3870	88	8	.	.	PUNCT
fsr-3870	88	9	305g.j	305g.j	NOUN
fsr-3870	88	10	.	.	PUNCT
fsr-3870	89	1	alexander	alexander	PROPN
fsr-3870	89	2	et	et	PROPN
fsr-3870	89	3	al	al	PROPN
fsr-3870	89	4	.	.	PUNCT
fsr-3870	89	5	/	/	SYM
fsr-3870	89	6	financial	financial	ADJ
fsr-3870	89	7	services	service	NOUN
fsr-3870	89	8	review	review	VERB
fsr-3870	89	9	7	7	NUM
fsr-3870	89	10	(	(	PUNCT
fsr-3870	89	11	1998	1998	NUM
fsr-3870	89	12	)	)	PUNCT
fsr-3870	90	1	301–316	301–316	NUM
fsr-3870	90	2	different	different	ADJ
fsr-3870	90	3	combination	combination	NOUN
fsr-3870	90	4	of	of	ADP
fsr-3870	90	5	possible	possible	ADJ
fsr-3870	90	6	risk	risk	NOUN
fsr-3870	90	7	and	and	CCONJ
fsr-3870	90	8	return	return	NOUN
fsr-3870	90	9	.	.	PUNCT
fsr-3870	91	1	over	over	ADP
fsr-3870	91	2	72	72	NUM
fsr-3870	91	3	%	%	NOUN
fsr-3870	91	4	of	of	ADP
fsr-3870	91	5	respondents	respondent	NOUN
fsr-3870	91	6	own	own	VERB
fsr-3870	91	7	stock	stock	NOUN
fsr-3870	91	8	mutual	mutual	ADJ
fsr-3870	91	9	funds	fund	NOUN
fsr-3870	91	10	,	,	PUNCT
fsr-3870	91	11	nearly	nearly	ADV
fsr-3870	91	12	40	40	NUM
fsr-3870	91	13	%	%	NOUN
fsr-3870	91	14	own	own	ADJ
fsr-3870	91	15	money	money	NOUN
fsr-3870	91	16	market	market	NOUN
fsr-3870	91	17	mutual	mutual	ADJ
fsr-3870	91	18	funds	fund	NOUN
fsr-3870	91	19	,	,	PUNCT
fsr-3870	91	20	and	and	CCONJ
fsr-3870	91	21	about	about	ADV
fsr-3870	91	22	36	36	NUM
fsr-3870	91	23	%	%	NOUN
fsr-3870	91	24	own	own	ADJ
fsr-3870	91	25	bond	bond	NOUN
fsr-3870	91	26	funds	fund	NOUN
fsr-3870	91	27	.	.	PUNCT
fsr-3870	92	1	broker	broker	NOUN
fsr-3870	92	2	,	,	PUNCT
fsr-3870	92	3	pension	pension	NOUN
fsr-3870	92	4	plan	plan	NOUN
fsr-3870	92	5	,	,	PUNCT
fsr-3870	92	6	and	and	CCONJ
fsr-3870	92	7	direct	direct	ADJ
fsr-3870	92	8	purchasers	purchaser	NOUN
fsr-3870	92	9	were	be	AUX
fsr-3870	92	10	significantly	significantly	ADV
fsr-3870	92	11	more	more	ADV
fsr-3870	92	12	likely	likely	ADJ
fsr-3870	92	13	to	to	PART
fsr-3870	92	14	own	own	VERB
fsr-3870	92	15	stock	stock	NOUN
fsr-3870	92	16	funds	fund	NOUN
fsr-3870	92	17	,	,	PUNCT
fsr-3870	92	18	whereas	whereas	SCONJ
fsr-3870	92	19	bank	bank	NOUN
fsr-3870	92	20	and	and	CCONJ
fsr-3870	92	21	insurance	insurance	NOUN
fsr-3870	92	22	company	company	NOUN
fsr-3870	92	23	purchasers	purchaser	NOUN
fsr-3870	92	24	were	be	AUX
fsr-3870	92	25	significantly	significantly	ADV
fsr-3870	92	26	less	less	ADV
fsr-3870	92	27	likely	likely	ADJ
fsr-3870	92	28	to	to	PART
fsr-3870	92	29	own	own	VERB
fsr-3870	92	30	them	they	PRON
fsr-3870	92	31	.	.	PUNCT
fsr-3870	93	1	in	in	ADP
fsr-3870	93	2	contrast	contrast	NOUN
fsr-3870	93	3	,	,	PUNCT
fsr-3870	93	4	bank	bank	NOUN
fsr-3870	93	5	and	and	CCONJ
fsr-3870	93	6	insurance	insurance	NOUN
fsr-3870	93	7	company	company	NOUN
fsr-3870	93	8	customers	customer	NOUN
fsr-3870	93	9	were	be	AUX
fsr-3870	93	10	significantly	significantly	ADV
fsr-3870	93	11	more	more	ADV
fsr-3870	93	12	likely	likely	ADJ
fsr-3870	93	13	to	to	PART
fsr-3870	93	14	own	own	VERB
fsr-3870	93	15	money	money	NOUN
fsr-3870	93	16	market	market	NOUN
fsr-3870	93	17	mutual	mutual	ADJ
fsr-3870	93	18	funds	fund	NOUN
fsr-3870	93	19	than	than	SCONJ
fsr-3870	93	20	were	be	AUX
fsr-3870	93	21	the	the	DET
fsr-3870	93	22	customers	customer	NOUN
fsr-3870	93	23	of	of	ADP
fsr-3870	93	24	other	other	ADJ
fsr-3870	93	25	sales	sale	NOUN
fsr-3870	93	26	channels	channel	NOUN
fsr-3870	93	27	.	.	PUNCT
fsr-3870	94	1	lastly	lastly	ADV
fsr-3870	94	2	,	,	PUNCT
fsr-3870	94	3	broker	broker	NOUN
fsr-3870	94	4	,	,	PUNCT
fsr-3870	94	5	pension	pension	NOUN
fsr-3870	94	6	plan	plan	NOUN
fsr-3870	94	7	,	,	PUNCT
fsr-3870	94	8	direct	direct	ADJ
fsr-3870	94	9	,	,	PUNCT
fsr-3870	94	10	and	and	CCONJ
fsr-3870	94	11	insurance	insurance	NOUN
fsr-3870	94	12	company	company	NOUN
fsr-3870	94	13	customers	customer	NOUN
fsr-3870	94	14	were	be	AUX
fsr-3870	94	15	significantly	significantly	ADV
fsr-3870	94	16	more	more	ADV
fsr-3870	94	17	likely	likely	ADJ
fsr-3870	94	18	to	to	PART
fsr-3870	94	19	own	own	VERB
fsr-3870	94	20	bond	bond	NOUN
fsr-3870	94	21	funds	fund	NOUN
fsr-3870	94	22	than	than	SCONJ
fsr-3870	94	23	are	be	AUX
fsr-3870	94	24	other	other	ADJ
fsr-3870	94	25	sales	sale	NOUN
fsr-3870	94	26	channel	channel	NOUN
fsr-3870	94	27	customers	customer	NOUN
fsr-3870	94	28	.	.	PUNCT
fsr-3870	95	1	panel	panel	NOUN
fsr-3870	95	2	b	b	PROPN
fsr-3870	95	3	of	of	ADP
fsr-3870	95	4	table	table	NOUN
fsr-3870	95	5	2	2	NUM
fsr-3870	95	6	reveals	reveal	VERB
fsr-3870	95	7	that	that	SCONJ
fsr-3870	95	8	the	the	DET
fsr-3870	95	9	median	median	ADJ
fsr-3870	95	10	number	number	NOUN
fsr-3870	95	11	of	of	ADP
fsr-3870	95	12	funds	fund	NOUN
fsr-3870	95	13	owned	own	VERB
fsr-3870	95	14	by	by	ADP
fsr-3870	95	15	the	the	DET
fsr-3870	95	16	respondents	respondent	NOUN
fsr-3870	95	17	is	be	AUX
fsr-3870	95	18	three	three	NUM
fsr-3870	95	19	.	.	PUNCT
fsr-3870	96	1	furthermore	furthermore	ADV
fsr-3870	96	2	,	,	PUNCT
fsr-3870	96	3	55.7	55.7	NUM
fsr-3870	96	4	%	%	NOUN
fsr-3870	96	5	(	(	PUNCT
fsr-3870	96	6	5	5	NUM
fsr-3870	96	7	16.1%1	16.1%1	NUM
fsr-3870	96	8	39.6	39.6	NUM
fsr-3870	96	9	%	%	NOUN
fsr-3870	96	10	)	)	PUNCT
fsr-3870	96	11	of	of	ADP
fsr-3870	96	12	the	the	DET
fsr-3870	96	13	respondents	respondent	NOUN
fsr-3870	96	14	reported	report	VERB
fsr-3870	96	15	owning	own	VERB
fsr-3870	96	16	three	three	NUM
fsr-3870	96	17	or	or	CCONJ
fsr-3870	96	18	more	more	ADJ
fsr-3870	96	19	mutual	mutual	ADJ
fsr-3870	96	20	funds	fund	NOUN
fsr-3870	96	21	.	.	PUNCT
fsr-3870	97	1	more	more	ADJ
fsr-3870	97	2	than	than	ADP
fsr-3870	97	3	two	two	NUM
fsr-3870	97	4	-	-	PUNCT
fsr-3870	97	5	thirds	third	NOUN
fsr-3870	97	6	of	of	ADP
fsr-3870	97	7	broker	broker	NOUN
fsr-3870	97	8	and	and	CCONJ
fsr-3870	97	9	direct	direct	ADJ
fsr-3870	97	10	mutual	mutual	ADJ
fsr-3870	97	11	fund	fund	NOUN
fsr-3870	97	12	purchasers	purchaser	NOUN
fsr-3870	97	13	own	own	VERB
fsr-3870	97	14	three	three	NUM
fsr-3870	97	15	or	or	CCONJ
fsr-3870	97	16	more	more	ADJ
fsr-3870	97	17	mutual	mutual	ADJ
fsr-3870	97	18	funds	fund	NOUN
fsr-3870	97	19	,	,	PUNCT
fsr-3870	97	20	with	with	ADP
fsr-3870	97	21	more	more	ADJ
fsr-3870	97	22	than	than	ADP
fsr-3870	97	23	half	half	NOUN
fsr-3870	97	24	of	of	ADP
fsr-3870	97	25	both	both	DET
fsr-3870	97	26	groups	group	NOUN
fsr-3870	97	27	owning	own	VERB
fsr-3870	97	28	four	four	NUM
fsr-3870	97	29	or	or	CCONJ
fsr-3870	97	30	more	more	ADJ
fsr-3870	97	31	mutual	mutual	ADJ
fsr-3870	97	32	funds	fund	NOUN
fsr-3870	97	33	.	.	PUNCT
fsr-3870	98	1	the	the	DET
fsr-3870	98	2	median	median	ADJ
fsr-3870	98	3	number	number	NOUN
fsr-3870	98	4	of	of	ADP
fsr-3870	98	5	funds	fund	NOUN
fsr-3870	98	6	owned	own	VERB
fsr-3870	98	7	by	by	ADP
fsr-3870	98	8	the	the	DET
fsr-3870	98	9	respondents	respondent	NOUN
fsr-3870	98	10	was	be	AUX
fsr-3870	98	11	significantly	significantly	ADV
fsr-3870	98	12	greater	great	ADJ
fsr-3870	98	13	for	for	ADP
fsr-3870	98	14	broker	broker	NOUN
fsr-3870	98	15	,	,	PUNCT
fsr-3870	98	16	direct	direct	ADJ
fsr-3870	98	17	,	,	PUNCT
fsr-3870	98	18	and	and	CCONJ
fsr-3870	98	19	pension	pension	NOUN
fsr-3870	98	20	plan	plan	NOUN
fsr-3870	98	21	investors	investor	NOUN
fsr-3870	98	22	relative	relative	ADJ
fsr-3870	98	23	to	to	ADP
fsr-3870	98	24	non	non	ADJ
fsr-3870	98	25	-	-	NOUN
fsr-3870	98	26	broker	broker	ADJ
fsr-3870	98	27	,	,	PUNCT
fsr-3870	98	28	non	non	ADJ
fsr-3870	98	29	-	-	ADJ
fsr-3870	98	30	direct	direct	ADJ
fsr-3870	98	31	,	,	PUNCT
fsr-3870	98	32	and	and	CCONJ
fsr-3870	98	33	non	non	ADJ
fsr-3870	98	34	-	-	ADJ
fsr-3870	98	35	pension	pension	ADJ
fsr-3870	98	36	plan	plan	NOUN
fsr-3870	98	37	purchasers	purchaser	NOUN
fsr-3870	98	38	,	,	PUNCT
fsr-3870	98	39	respectively	respectively	ADV
fsr-3870	98	40	.	.	PUNCT
fsr-3870	99	1	panel	panel	NOUN
fsr-3870	99	2	c	c	PROPN
fsr-3870	99	3	of	of	ADP
fsr-3870	99	4	table	table	NOUN
fsr-3870	99	5	2	2	NUM
fsr-3870	99	6	presents	present	VERB
fsr-3870	99	7	the	the	DET
fsr-3870	99	8	type	type	NOUN
fsr-3870	99	9	of	of	ADP
fsr-3870	99	10	mutual	mutual	ADJ
fsr-3870	99	11	fund	fund	NOUN
fsr-3870	99	12	in	in	ADP
fsr-3870	99	13	which	which	PRON
fsr-3870	99	14	the	the	DET
fsr-3870	99	15	respondents	respondent	NOUN
fsr-3870	99	16	hold	hold	VERB
fsr-3870	99	17	their	their	PRON
fsr-3870	99	18	largest	large	ADJ
fsr-3870	99	19	investment	investment	NOUN
fsr-3870	99	20	.	.	PUNCT
fsr-3870	100	1	the	the	DET
fsr-3870	100	2	largest	large	ADJ
fsr-3870	100	3	fund	fund	NOUN
fsr-3870	100	4	type	type	NOUN
fsr-3870	100	5	may	may	AUX
fsr-3870	100	6	indicate	indicate	VERB
fsr-3870	100	7	some	some	DET
fsr-3870	100	8	measure	measure	NOUN
fsr-3870	100	9	of	of	ADP
fsr-3870	100	10	the	the	DET
fsr-3870	100	11	risk	risk	NOUN
fsr-3870	100	12	preferences	preference	NOUN
fsr-3870	100	13	of	of	ADP
fsr-3870	100	14	investors	investor	NOUN
fsr-3870	100	15	,	,	PUNCT
fsr-3870	100	16	or	or	CCONJ
fsr-3870	100	17	alternatively	alternatively	ADV
fsr-3870	100	18	,	,	PUNCT
fsr-3870	100	19	the	the	DET
fsr-3870	100	20	knowledge	knowledge	NOUN
fsr-3870	100	21	of	of	ADP
fsr-3870	100	22	investors	investor	NOUN
fsr-3870	100	23	.	.	PUNCT
fsr-3870	101	1	about	about	ADV
fsr-3870	101	2	64	64	NUM
fsr-3870	101	3	%	%	NOUN
fsr-3870	101	4	of	of	ADP
fsr-3870	101	5	the	the	DET
fsr-3870	101	6	respondents	respondent	NOUN
fsr-3870	101	7	report	report	VERB
fsr-3870	101	8	that	that	SCONJ
fsr-3870	101	9	their	their	PRON
fsr-3870	101	10	largest	large	ADJ
fsr-3870	101	11	investment	investment	NOUN
fsr-3870	101	12	is	be	AUX
fsr-3870	101	13	in	in	ADP
fsr-3870	101	14	a	a	DET
fsr-3870	101	15	stock	stock	NOUN
fsr-3870	101	16	fund	fund	NOUN
fsr-3870	101	17	.	.	PUNCT
fsr-3870	102	1	broker	broker	NOUN
fsr-3870	102	2	,	,	PUNCT
fsr-3870	102	3	pension	pension	NOUN
fsr-3870	102	4	plan	plan	NOUN
fsr-3870	102	5	,	,	PUNCT
fsr-3870	102	6	and	and	CCONJ
fsr-3870	102	7	direct	direct	ADJ
fsr-3870	102	8	purchasers	purchaser	NOUN
fsr-3870	102	9	were	be	AUX
fsr-3870	102	10	significantly	significantly	ADV
fsr-3870	102	11	more	more	ADV
fsr-3870	102	12	likely	likely	ADJ
fsr-3870	102	13	to	to	PART
fsr-3870	102	14	have	have	VERB
fsr-3870	102	15	their	their	PRON
fsr-3870	102	16	largest	large	ADJ
fsr-3870	102	17	investment	investment	NOUN
fsr-3870	102	18	in	in	ADP
fsr-3870	102	19	a	a	DET
fsr-3870	102	20	stock	stock	NOUN
fsr-3870	102	21	fund	fund	NOUN
fsr-3870	102	22	.	.	PUNCT
fsr-3870	103	1	on	on	ADP
fsr-3870	103	2	the	the	DET
fsr-3870	103	3	other	other	ADJ
fsr-3870	103	4	hand	hand	NOUN
fsr-3870	103	5	,	,	PUNCT
fsr-3870	103	6	bank	bank	NOUN
fsr-3870	103	7	and	and	CCONJ
fsr-3870	103	8	insurance	insurance	NOUN
fsr-3870	103	9	company	company	NOUN
fsr-3870	103	10	purchasers	purchaser	NOUN
fsr-3870	103	11	were	be	AUX
fsr-3870	103	12	significantly	significantly	ADV
fsr-3870	103	13	less	less	ADV
fsr-3870	103	14	likely	likely	ADJ
fsr-3870	103	15	to	to	PART
fsr-3870	103	16	have	have	VERB
fsr-3870	103	17	their	their	PRON
fsr-3870	103	18	largest	large	ADJ
fsr-3870	103	19	investment	investment	NOUN
fsr-3870	103	20	in	in	ADP
fsr-3870	103	21	a	a	DET
fsr-3870	103	22	stock	stock	NOUN
fsr-3870	103	23	fund	fund	NOUN
fsr-3870	103	24	.	.	PUNCT
fsr-3870	104	1	bank	bank	NOUN
fsr-3870	104	2	purchasers	purchaser	NOUN
fsr-3870	104	3	were	be	AUX
fsr-3870	104	4	the	the	DET
fsr-3870	104	5	largest	large	ADJ
fsr-3870	104	6	investors	investor	NOUN
fsr-3870	104	7	in	in	ADP
fsr-3870	104	8	bond	bond	NOUN
fsr-3870	104	9	and	and	CCONJ
fsr-3870	104	10	money	money	NOUN
fsr-3870	104	11	market	market	NOUN
fsr-3870	104	12	funds	fund	NOUN
fsr-3870	104	13	with	with	ADP
fsr-3870	104	14	a	a	DET
fsr-3870	104	15	percentage	percentage	NOUN
fsr-3870	104	16	(	(	PUNCT
fsr-3870	104	17	40.0%5	40.0%5	NUM
fsr-3870	104	18	14.7%1	14.7%1	NOUN
fsr-3870	104	19	25.3	25.3	NUM
fsr-3870	104	20	%	%	NOUN
fsr-3870	104	21	)	)	PUNCT
fsr-3870	104	22	that	that	PRON
fsr-3870	104	23	is	be	AUX
fsr-3870	104	24	significantly	significantly	ADV
fsr-3870	104	25	greater	great	ADJ
fsr-3870	104	26	than	than	ADP
fsr-3870	104	27	that	that	PRON
fsr-3870	104	28	for	for	ADP
fsr-3870	104	29	non	non	ADJ
fsr-3870	104	30	-	-	ADJ
fsr-3870	104	31	bank	bank	ADJ
fsr-3870	104	32	purchasers	purchaser	NOUN
fsr-3870	104	33	.	.	PUNCT
fsr-3870	105	1	4	4	X
fsr-3870	105	2	.	.	X
fsr-3870	105	3	sources	source	NOUN
fsr-3870	105	4	of	of	ADP
fsr-3870	105	5	information	information	NOUN
fsr-3870	105	6	and	and	CCONJ
fsr-3870	105	7	knowledge	knowledge	NOUN
fsr-3870	105	8	of	of	ADP
fsr-3870	105	9	mutual	mutual	ADJ
fsr-3870	105	10	fund	fund	NOUN
fsr-3870	105	11	investors	investor	NOUN
fsr-3870	105	12	this	this	DET
fsr-3870	105	13	section	section	NOUN
fsr-3870	105	14	examines	examine	VERB
fsr-3870	105	15	the	the	DET
fsr-3870	105	16	sources	source	NOUN
fsr-3870	105	17	of	of	ADP
fsr-3870	105	18	information	information	NOUN
fsr-3870	105	19	that	that	PRON
fsr-3870	105	20	investors	investor	NOUN
fsr-3870	105	21	use	use	VERB
fsr-3870	105	22	to	to	PART
fsr-3870	105	23	learn	learn	VERB
fsr-3870	105	24	about	about	ADP
fsr-3870	105	25	mutual	mutual	ADJ
fsr-3870	105	26	fund	fund	NOUN
fsr-3870	105	27	investments	investment	NOUN
fsr-3870	105	28	,	,	PUNCT
fsr-3870	105	29	as	as	ADV
fsr-3870	105	30	well	well	ADV
fsr-3870	105	31	as	as	ADP
fsr-3870	105	32	the	the	DET
fsr-3870	105	33	level	level	NOUN
fsr-3870	105	34	of	of	ADP
fsr-3870	105	35	financial	financial	ADJ
fsr-3870	105	36	literacy	literacy	NOUN
fsr-3870	105	37	displayed	display	VERB
fsr-3870	105	38	by	by	ADP
fsr-3870	105	39	survey	survey	NOUN
fsr-3870	105	40	respondents	respondent	NOUN
fsr-3870	105	41	.	.	PUNCT
fsr-3870	106	1	the	the	DET
fsr-3870	106	2	analysis	analysis	NOUN
fsr-3870	106	3	shows	show	VERB
fsr-3870	106	4	which	which	PRON
fsr-3870	106	5	investors	investor	NOUN
fsr-3870	106	6	,	,	PUNCT
fsr-3870	106	7	categorized	categorize	VERB
fsr-3870	106	8	by	by	ADP
fsr-3870	106	9	distribution	distribution	NOUN
fsr-3870	106	10	channel	channel	NOUN
fsr-3870	106	11	,	,	PUNCT
fsr-3870	106	12	are	be	AUX
fsr-3870	106	13	aware	aware	ADJ
fsr-3870	106	14	of	of	ADP
fsr-3870	106	15	the	the	DET
fsr-3870	106	16	returns	return	NOUN
fsr-3870	106	17	and	and	CCONJ
fsr-3870	106	18	risks	risk	NOUN
fsr-3870	106	19	associated	associate	VERB
fsr-3870	106	20	with	with	ADP
fsr-3870	106	21	mutual	mutual	ADJ
fsr-3870	106	22	fund	fund	NOUN
fsr-3870	106	23	purchases	purchase	NOUN
fsr-3870	106	24	,	,	PUNCT
fsr-3870	106	25	along	along	ADP
fsr-3870	106	26	with	with	ADP
fsr-3870	106	27	the	the	DET
fsr-3870	106	28	role	role	NOUN
fsr-3870	106	29	played	play	VERB
fsr-3870	106	30	by	by	ADP
fsr-3870	106	31	the	the	DET
fsr-3870	106	32	mutual	mutual	ADJ
fsr-3870	106	33	fund	fund	NOUN
fsr-3870	106	34	prospectus	prospectus	NOUN
fsr-3870	106	35	and	and	CCONJ
fsr-3870	106	36	other	other	ADJ
fsr-3870	106	37	sources	source	NOUN
fsr-3870	106	38	of	of	ADP
fsr-3870	106	39	information	information	NOUN
fsr-3870	106	40	in	in	ADP
fsr-3870	106	41	their	their	PRON
fsr-3870	106	42	learning	learning	NOUN
fsr-3870	106	43	about	about	ADP
fsr-3870	106	44	mutual	mutual	ADJ
fsr-3870	106	45	fund	fund	NOUN
fsr-3870	106	46	investments	investment	NOUN
fsr-3870	106	47	.	.	PUNCT
fsr-3870	107	1	4.1	4.1	NUM
fsr-3870	107	2	.	.	PUNCT
fsr-3870	108	1	sources	source	NOUN
fsr-3870	108	2	of	of	ADP
fsr-3870	108	3	information	information	NOUN
fsr-3870	108	4	panel	panel	NOUN
fsr-3870	108	5	a	a	PRON
fsr-3870	108	6	of	of	ADP
fsr-3870	108	7	table	table	NOUN
fsr-3870	108	8	3	3	NUM
fsr-3870	108	9	indicates	indicate	VERB
fsr-3870	108	10	that	that	SCONJ
fsr-3870	108	11	the	the	DET
fsr-3870	108	12	mutual	mutual	ADJ
fsr-3870	108	13	fund	fund	NOUN
fsr-3870	108	14	prospectus	prospectus	NOUN
fsr-3870	108	15	was	be	AUX
fsr-3870	108	16	the	the	DET
fsr-3870	108	17	single	single	ADJ
fsr-3870	108	18	most	most	ADV
fsr-3870	108	19	widely	widely	ADV
fsr-3870	108	20	used	use	VERB
fsr-3870	108	21	source	source	NOUN
fsr-3870	108	22	of	of	ADP
fsr-3870	108	23	information	information	NOUN
fsr-3870	108	24	,	,	PUNCT
fsr-3870	108	25	with	with	ADP
fsr-3870	108	26	57.7	57.7	NUM
fsr-3870	108	27	%	%	NOUN
fsr-3870	108	28	of	of	ADP
fsr-3870	108	29	respondents	respondent	NOUN
fsr-3870	108	30	having	having	AUX
fsr-3870	108	31	cited	cite	VERB
fsr-3870	108	32	it	it	PRON
fsr-3870	108	33	as	as	ADP
fsr-3870	108	34	a	a	DET
fsr-3870	108	35	source	source	NOUN
fsr-3870	108	36	of	of	ADP
fsr-3870	108	37	information	information	NOUN
fsr-3870	108	38	in	in	ADP
fsr-3870	108	39	making	make	VERB
fsr-3870	108	40	their	their	PRON
fsr-3870	108	41	most	most	ADV
fsr-3870	108	42	recent	recent	ADJ
fsr-3870	108	43	mutual	mutual	ADJ
fsr-3870	108	44	fund	fund	NOUN
fsr-3870	108	45	purchase	purchase	NOUN
fsr-3870	108	46	.	.	PUNCT
fsr-3870	109	1	survey	survey	NOUN
fsr-3870	109	2	respondents	respondent	NOUN
fsr-3870	109	3	also	also	ADV
fsr-3870	109	4	reporteded	reportede	VERB
fsr-3870	109	5	that	that	SCONJ
fsr-3870	109	6	they	they	PRON
fsr-3870	109	7	relied	rely	VERB
fsr-3870	109	8	heavily	heavily	ADV
fsr-3870	109	9	on	on	ADV
fsr-3870	109	10	,	,	PUNCT
fsr-3870	109	11	in	in	ADP
fsr-3870	109	12	decreasing	decrease	VERB
fsr-3870	109	13	order	order	NOUN
fsr-3870	109	14	,	,	PUNCT
fsr-3870	109	15	employer	employer	NOUN
fsr-3870	109	16	-	-	PUNCT
fsr-3870	109	17	provided	provide	VERB
fsr-3870	109	18	printed	print	VERB
fsr-3870	109	19	materials	material	NOUN
fsr-3870	109	20	(	(	PUNCT
fsr-3870	109	21	44.5	44.5	NUM
fsr-3870	109	22	%	%	NOUN
fsr-3870	109	23	)	)	PUNCT
fsr-3870	109	24	,	,	PUNCT
fsr-3870	109	25	financial	financial	ADJ
fsr-3870	109	26	publications	publication	NOUN
fsr-3870	109	27	like	like	ADP
fsr-3870	109	28	newspapers	newspaper	NOUN
fsr-3870	109	29	and	and	CCONJ
fsr-3870	109	30	magazines	magazine	NOUN
fsr-3870	109	31	(	(	PUNCT
fsr-3870	109	32	42.0	42.0	NUM
fsr-3870	109	33	%	%	NOUN
fsr-3870	109	34	)	)	PUNCT
fsr-3870	109	35	,	,	PUNCT
fsr-3870	109	36	family	family	NOUN
fsr-3870	109	37	or	or	CCONJ
fsr-3870	109	38	friends	friend	NOUN
fsr-3870	109	39	(	(	PUNCT
fsr-3870	109	40	37.6	37.6	NUM
fsr-3870	109	41	%	%	NOUN
fsr-3870	109	42	)	)	PUNCT
fsr-3870	109	43	,	,	PUNCT
fsr-3870	109	44	and	and	CCONJ
fsr-3870	109	45	meetings	meeting	NOUN
fsr-3870	109	46	or	or	CCONJ
fsr-3870	109	47	presentations	presentation	NOUN
fsr-3870	109	48	at	at	ADP
fsr-3870	109	49	work	work	NOUN
fsr-3870	109	50	(	(	PUNCT
fsr-3870	109	51	33.5	33.5	NUM
fsr-3870	109	52	%	%	NOUN
fsr-3870	109	53	)	)	PUNCT
fsr-3870	109	54	in	in	ADP
fsr-3870	109	55	choosing	choose	VERB
fsr-3870	109	56	their	their	PRON
fsr-3870	109	57	most	most	ADV
fsr-3870	109	58	recent	recent	ADJ
fsr-3870	109	59	306	306	NUM
fsr-3870	109	60	g.j	g.j	PROPN
fsr-3870	109	61	.	.	PUNCT
fsr-3870	110	1	alexander	alexander	PROPN
fsr-3870	110	2	et	et	PROPN
fsr-3870	110	3	al	al	PROPN
fsr-3870	110	4	.	.	PUNCT
fsr-3870	110	5	/	/	SYM
fsr-3870	110	6	financial	financial	ADJ
fsr-3870	110	7	services	service	NOUN
fsr-3870	110	8	review	review	VERB
fsr-3870	110	9	7	7	NUM
fsr-3870	110	10	(	(	PUNCT
fsr-3870	110	11	1998	1998	NUM
fsr-3870	110	12	)	)	PUNCT
fsr-3870	110	13	301–316	301–316	NUM
fsr-3870	110	14	mutual	mutual	ADJ
fsr-3870	110	15	fund	fund	NOUN
fsr-3870	110	16	investments	investment	NOUN
fsr-3870	110	17	.	.	PUNCT
fsr-3870	111	1	furthermore	furthermore	ADV
fsr-3870	111	2	,	,	PUNCT
fsr-3870	111	3	31	31	NUM
fsr-3870	111	4	%	%	NOUN
fsr-3870	111	5	of	of	ADP
fsr-3870	111	6	the	the	DET
fsr-3870	111	7	survey	survey	NOUN
fsr-3870	111	8	respondents	respondent	NOUN
fsr-3870	111	9	stated	state	VERB
fsr-3870	111	10	that	that	SCONJ
fsr-3870	111	11	brokers	broker	NOUN
fsr-3870	111	12	provided	provide	VERB
fsr-3870	111	13	information	information	NOUN
fsr-3870	111	14	used	use	VERB
fsr-3870	111	15	in	in	ADP
fsr-3870	111	16	making	make	VERB
fsr-3870	111	17	their	their	PRON
fsr-3870	111	18	most	most	ADV
fsr-3870	111	19	recent	recent	ADJ
fsr-3870	111	20	mutual	mutual	ADJ
fsr-3870	111	21	fund	fund	NOUN
fsr-3870	111	22	investment	investment	NOUN
fsr-3870	111	23	decisions	decision	NOUN
fsr-3870	111	24	.	.	PUNCT
fsr-3870	112	1	the	the	DET
fsr-3870	112	2	prospectus	prospectus	NOUN
fsr-3870	112	3	was	be	AUX
fsr-3870	112	4	used	use	VERB
fsr-3870	112	5	by	by	ADP
fsr-3870	112	6	over	over	ADP
fsr-3870	112	7	50	50	NUM
fsr-3870	112	8	%	%	NOUN
fsr-3870	112	9	of	of	ADP
fsr-3870	112	10	the	the	DET
fsr-3870	112	11	respondents	respondent	NOUN
fsr-3870	112	12	regardless	regardless	ADV
fsr-3870	112	13	of	of	ADP
fsr-3870	112	14	the	the	DET
fsr-3870	112	15	distribution	distribution	NOUN
fsr-3870	112	16	channel	channel	NOUN
fsr-3870	112	17	used	use	VERB
fsr-3870	112	18	to	to	PART
fsr-3870	112	19	make	make	VERB
fsr-3870	112	20	the	the	DET
fsr-3870	112	21	purchase	purchase	NOUN
fsr-3870	112	22	(	(	PUNCT
fsr-3870	112	23	except	except	SCONJ
fsr-3870	112	24	for	for	ADP
fsr-3870	112	25	“	"	PUNCT
fsr-3870	112	26	other	other	ADJ
fsr-3870	112	27	”	"	PUNCT
fsr-3870	112	28	)	)	PUNCT
fsr-3870	112	29	.	.	PUNCT
fsr-3870	113	1	for	for	ADP
fsr-3870	113	2	those	those	PRON
fsr-3870	113	3	who	who	PRON
fsr-3870	113	4	purchased	purchase	VERB
fsr-3870	113	5	mutual	mutual	ADJ
fsr-3870	113	6	funds	fund	NOUN
fsr-3870	113	7	directly	directly	ADV
fsr-3870	113	8	from	from	ADP
fsr-3870	113	9	a	a	DET
fsr-3870	113	10	fund	fund	NOUN
fsr-3870	113	11	company	company	NOUN
fsr-3870	113	12	,	,	PUNCT
fsr-3870	113	13	the	the	DET
fsr-3870	113	14	prospectus	prospectus	NOUN
fsr-3870	113	15	and	and	CCONJ
fsr-3870	113	16	financial	financial	ADJ
fsr-3870	113	17	publications	publication	NOUN
fsr-3870	113	18	were	be	AUX
fsr-3870	113	19	the	the	DET
fsr-3870	113	20	two	two	NUM
fsr-3870	113	21	most	most	ADV
fsr-3870	113	22	widely	widely	ADV
fsr-3870	113	23	cited	cite	VERB
fsr-3870	113	24	sources	source	NOUN
fsr-3870	113	25	of	of	ADP
fsr-3870	113	26	information	information	NOUN
fsr-3870	113	27	.	.	PUNCT
fsr-3870	114	1	not	not	PART
fsr-3870	114	2	surprisingly	surprisingly	ADV
fsr-3870	114	3	,	,	PUNCT
fsr-3870	114	4	bank	bank	NOUN
fsr-3870	114	5	and	and	CCONJ
fsr-3870	114	6	broker	broker	NOUN
fsr-3870	114	7	purchasers	purchaser	NOUN
fsr-3870	114	8	were	be	AUX
fsr-3870	114	9	much	much	ADV
fsr-3870	114	10	more	more	ADV
fsr-3870	114	11	likely	likely	ADJ
fsr-3870	114	12	to	to	PART
fsr-3870	114	13	cite	cite	VERB
fsr-3870	114	14	bankers	banker	NOUN
fsr-3870	114	15	and	and	CCONJ
fsr-3870	114	16	brokers	broker	NOUN
fsr-3870	114	17	,	,	PUNCT
fsr-3870	114	18	respectively	respectively	ADV
fsr-3870	114	19	,	,	PUNCT
fsr-3870	114	20	as	as	ADP
fsr-3870	114	21	sources	source	NOUN
fsr-3870	114	22	of	of	ADP
fsr-3870	114	23	information	information	NOUN
fsr-3870	114	24	than	than	ADP
fsr-3870	114	25	purchasers	purchaser	NOUN
fsr-3870	114	26	who	who	PRON
fsr-3870	114	27	used	use	VERB
fsr-3870	114	28	other	other	ADJ
fsr-3870	114	29	distribution	distribution	NOUN
fsr-3870	114	30	channels	channel	NOUN
fsr-3870	114	31	,	,	PUNCT
fsr-3870	114	32	while	while	SCONJ
fsr-3870	114	33	pension	pension	NOUN
fsr-3870	114	34	plan	plan	NOUN
fsr-3870	114	35	purchasers	purchaser	NOUN
fsr-3870	114	36	were	be	AUX
fsr-3870	114	37	more	more	ADV
fsr-3870	114	38	likely	likely	ADJ
fsr-3870	114	39	to	to	PART
fsr-3870	114	40	cite	cite	VERB
fsr-3870	114	41	employer	employer	NOUN
fsr-3870	114	42	-	-	PUNCT
fsr-3870	114	43	provided	provide	VERB
fsr-3870	114	44	printed	print	VERB
fsr-3870	114	45	materials	material	NOUN
fsr-3870	114	46	and	and	CCONJ
fsr-3870	114	47	meetings	meeting	NOUN
fsr-3870	114	48	or	or	CCONJ
fsr-3870	114	49	presentations	presentation	NOUN
fsr-3870	114	50	at	at	ADP
fsr-3870	114	51	work	work	NOUN
fsr-3870	114	52	.	.	PUNCT
fsr-3870	115	1	panel	panel	NOUN
fsr-3870	115	2	b	b	PROPN
fsr-3870	115	3	of	of	ADP
fsr-3870	115	4	table	table	NOUN
fsr-3870	115	5	3	3	NUM
fsr-3870	115	6	presents	present	NOUN
fsr-3870	115	7	respondents	respondent	NOUN
fsr-3870	115	8	’	’	PART
fsr-3870	115	9	perceptions	perception	NOUN
fsr-3870	115	10	of	of	ADP
fsr-3870	115	11	the	the	DET
fsr-3870	115	12	best	good	ADJ
fsr-3870	115	13	source	source	NOUN
fsr-3870	115	14	of	of	ADP
fsr-3870	115	15	information	information	NOUN
fsr-3870	115	16	for	for	ADP
fsr-3870	115	17	their	their	PRON
fsr-3870	115	18	most	most	ADV
fsr-3870	115	19	recently	recently	ADV
fsr-3870	115	20	purchased	purchase	VERB
fsr-3870	115	21	mutual	mutual	ADJ
fsr-3870	115	22	fund	fund	NOUN
fsr-3870	115	23	.	.	PUNCT
fsr-3870	116	1	generally	generally	ADV
fsr-3870	116	2	,	,	PUNCT
fsr-3870	116	3	respondents	respondent	NOUN
fsr-3870	116	4	cited	cite	VERB
fsr-3870	116	5	the	the	DET
fsr-3870	116	6	information	information	NOUN
fsr-3870	116	7	source	source	NOUN
fsr-3870	116	8	most	most	ADV
fsr-3870	116	9	closely	closely	ADV
fsr-3870	116	10	associated	associate	VERB
fsr-3870	116	11	with	with	ADP
fsr-3870	116	12	the	the	DET
fsr-3870	116	13	distribution	distribution	NOUN
fsr-3870	116	14	channel	channel	NOUN
fsr-3870	116	15	that	that	PRON
fsr-3870	116	16	they	they	PRON
fsr-3870	116	17	used	use	VERB
fsr-3870	116	18	in	in	ADP
fsr-3870	116	19	making	make	VERB
fsr-3870	116	20	their	their	PRON
fsr-3870	116	21	purchase	purchase	NOUN
fsr-3870	116	22	as	as	ADP
fsr-3870	116	23	the	the	DET
fsr-3870	116	24	most	most	ADV
fsr-3870	116	25	important	important	ADJ
fsr-3870	116	26	.	.	PUNCT
fsr-3870	117	1	for	for	ADP
fsr-3870	117	2	example	example	NOUN
fsr-3870	117	3	,	,	PUNCT
fsr-3870	117	4	a	a	DET
fsr-3870	117	5	significant	significant	ADJ
fsr-3870	117	6	percentage	percentage	NOUN
fsr-3870	117	7	of	of	ADP
fsr-3870	117	8	bank	bank	NOUN
fsr-3870	117	9	purchasers	purchaser	NOUN
fsr-3870	117	10	(	(	PUNCT
fsr-3870	117	11	19.4	19.4	NUM
fsr-3870	117	12	%	%	NOUN
fsr-3870	117	13	)	)	PUNCT
fsr-3870	117	14	,	,	PUNCT
fsr-3870	117	15	broker	broker	NOUN
fsr-3870	117	16	purchasers	purchaser	NOUN
fsr-3870	117	17	(	(	PUNCT
fsr-3870	117	18	39.0	39.0	NUM
fsr-3870	117	19	%	%	NOUN
fsr-3870	117	20	)	)	PUNCT
fsr-3870	117	21	,	,	PUNCT
fsr-3870	117	22	and	and	CCONJ
fsr-3870	117	23	pension	pension	NOUN
fsr-3870	117	24	plan	plan	NOUN
fsr-3870	117	25	purchasers	purchaser	NOUN
fsr-3870	117	26	(	(	PUNCT
fsr-3870	117	27	39.3	39.3	NUM
fsr-3870	117	28	%	%	NOUN
fsr-3870	117	29	)	)	PUNCT
fsr-3870	117	30	named	name	VERB
fsr-3870	117	31	banker	banker	NOUN
fsr-3870	117	32	,	,	PUNCT
fsr-3870	117	33	broker	broker	NOUN
fsr-3870	117	34	,	,	PUNCT
fsr-3870	117	35	and	and	CCONJ
fsr-3870	117	36	employer	employer	NOUN
fsr-3870	117	37	-	-	PUNCT
fsr-3870	117	38	provided	provide	VERB
fsr-3870	117	39	printed	print	VERB
fsr-3870	117	40	materials	material	NOUN
fsr-3870	117	41	,	,	PUNCT
fsr-3870	117	42	respectively	respectively	ADV
fsr-3870	117	43	,	,	PUNCT
fsr-3870	117	44	as	as	ADP
fsr-3870	117	45	the	the	DET
fsr-3870	117	46	best	good	ADJ
fsr-3870	117	47	source	source	NOUN
fsr-3870	117	48	of	of	ADP
fsr-3870	117	49	information	information	NOUN
fsr-3870	117	50	.	.	PUNCT
fsr-3870	118	1	this	this	PRON
fsr-3870	118	2	is	be	AUX
fsr-3870	118	3	consistent	consistent	ADJ
fsr-3870	118	4	with	with	ADP
fsr-3870	118	5	earlier	early	ADJ
fsr-3870	118	6	observations	observation	NOUN
fsr-3870	118	7	on	on	ADP
fsr-3870	118	8	the	the	DET
fsr-3870	118	9	results	result	NOUN
fsr-3870	118	10	presented	present	VERB
fsr-3870	118	11	in	in	ADP
fsr-3870	118	12	panel	panel	NOUN
fsr-3870	118	13	a.	a.	NOUN
fsr-3870	118	14	table	table	NOUN
fsr-3870	118	15	3	3	NUM
fsr-3870	118	16	information	information	NOUN
fsr-3870	118	17	sources	source	NOUN
fsr-3870	118	18	used	use	VERB
fsr-3870	118	19	in	in	ADP
fsr-3870	118	20	purchasing	purchase	VERB
fsr-3870	118	21	most	most	ADV
fsr-3870	118	22	recent	recent	ADJ
fsr-3870	118	23	mutual	mutual	ADJ
fsr-3870	118	24	fund	fund	NOUN
fsr-3870	118	25	distribution	distribution	NOUN
fsr-3870	118	26	channel	channel	NOUN
fsr-3870	118	27	used	use	VERB
fsr-3870	118	28	bank	bank	NOUN
fsr-3870	118	29	broker	broker	PROPN
fsr-3870	118	30	pension	pension	NOUN
fsr-3870	118	31	direct	direct	ADJ
fsr-3870	118	32	insurance	insurance	NOUN
fsr-3870	118	33	other	other	ADJ
fsr-3870	118	34	total	total	ADJ
fsr-3870	118	35	a.	a.	NOUN
fsr-3870	118	36	information	information	NOUN
fsr-3870	118	37	sources	source	NOUN
fsr-3870	118	38	prospectus	prospectus	VERB
fsr-3870	118	39	51.2	51.2	NUM
fsr-3870	118	40	%	%	NOUN
fsr-3870	118	41	*	*	NOUN
fsr-3870	118	42	56.5	56.5	NUM
fsr-3870	118	43	%	%	NOUN
fsr-3870	118	44	60.8	60.8	NUM
fsr-3870	118	45	%	%	NOUN
fsr-3870	118	46	*	*	NOUN
fsr-3870	118	47	74.0	74.0	NUM
fsr-3870	118	48	%	%	NOUN
fsr-3870	118	49	*	*	NOUN
fsr-3870	118	50	59.1	59.1	NUM
fsr-3870	118	51	%	%	NOUN
fsr-3870	118	52	49.4	49.4	NUM
fsr-3870	118	53	%	%	NOUN
fsr-3870	118	54	57.7	57.7	NUM
fsr-3870	118	55	%	%	NOUN
fsr-3870	118	56	broker	broker	NOUN
fsr-3870	118	57	27.4	27.4	NUM
fsr-3870	118	58	61.6	61.6	NUM
fsr-3870	118	59	*	*	PUNCT
fsr-3870	118	60	24.8	24.8	NUM
fsr-3870	118	61	*	*	NUM
fsr-3870	118	62	29.6	29.6	NUM
fsr-3870	118	63	31.7	31.7	NUM
fsr-3870	118	64	31.8	31.8	NUM
fsr-3870	118	65	31.0	31.0	NUM
fsr-3870	118	66	family	family	NOUN
fsr-3870	118	67	or	or	CCONJ
fsr-3870	118	68	friends	friend	NOUN
fsr-3870	118	69	40.4	40.4	NUM
fsr-3870	118	70	34.3	34.3	NUM
fsr-3870	118	71	*	*	NUM
fsr-3870	118	72	33.6	33.6	NUM
fsr-3870	118	73	*	*	NUM
fsr-3870	118	74	30.5	30.5	NUM
fsr-3870	118	75	*	*	NOUN
fsr-3870	118	76	42.4	42.4	NUM
fsr-3870	118	77	*	*	SYM
fsr-3870	118	78	36.5	36.5	NUM
fsr-3870	118	79	37.6	37.6	NUM
fsr-3870	118	80	financial	financial	ADJ
fsr-3870	118	81	publications	publication	NOUN
fsr-3870	118	82	41.4	41.4	NUM
fsr-3870	118	83	49.8	49.8	NUM
fsr-3870	118	84	*	*	PUNCT
fsr-3870	118	85	41.3	41.3	NUM
fsr-3870	118	86	67.9	67.9	NUM
fsr-3870	118	87	*	*	NUM
fsr-3870	118	88	39.7	39.7	NUM
fsr-3870	118	89	34.1	34.1	NUM
fsr-3870	118	90	42.0	42.0	NUM
fsr-3870	118	91	banker	banker	NOUN
fsr-3870	118	92	41.1	41.1	NUM
fsr-3870	118	93	*	*	SYM
fsr-3870	118	94	6.9	6.9	NUM
fsr-3870	118	95	*	*	SYM
fsr-3870	118	96	7.0	7.0	NUM
fsr-3870	118	97	*	*	SYM
fsr-3870	118	98	4.3	4.3	NUM
fsr-3870	118	99	*	*	SYM
fsr-3870	118	100	10.5	10.5	NUM
fsr-3870	118	101	4.7	4.7	NUM
fsr-3870	118	102	10.3	10.3	NUM
fsr-3870	118	103	insurance	insurance	NOUN
fsr-3870	118	104	company	company	NOUN
fsr-3870	118	105	0.0	0.0	NUM
fsr-3870	118	106	*	*	SYM
fsr-3870	118	107	0.6	0.6	NUM
fsr-3870	118	108	*	*	SYM
fsr-3870	118	109	0.6	0.6	NUM
fsr-3870	118	110	*	*	SYM
fsr-3870	118	111	0.5	0.5	NUM
fsr-3870	118	112	*	*	SYM
fsr-3870	118	113	6.0	6.0	NUM
fsr-3870	118	114	*	*	SYM
fsr-3870	118	115	0.0	0.0	NUM
fsr-3870	118	116	1.6	1.6	NUM
fsr-3870	118	117	fund	fund	NOUN
fsr-3870	118	118	company	company	NOUN
fsr-3870	118	119	0.0	0.0	NUM
fsr-3870	118	120	0.2	0.2	NUM
fsr-3870	118	121	0.3	0.3	NUM
fsr-3870	118	122	0.7	0.7	NUM
fsr-3870	118	123	*	*	SYM
fsr-3870	118	124	0.0	0.0	NUM
fsr-3870	118	125	0.0	0.0	NUM
fsr-3870	118	126	0.3	0.3	NUM
fsr-3870	118	127	employer	employer	NOUN
fsr-3870	118	128	34.4	34.4	NUM
fsr-3870	118	129	*	*	NUM
fsr-3870	118	130	23.3	23.3	NUM
fsr-3870	118	131	*	*	SYM
fsr-3870	118	132	65.0	65.0	NUM
fsr-3870	118	133	*	*	NUM
fsr-3870	118	134	25.9	25.9	NUM
fsr-3870	118	135	*	*	SYM
fsr-3870	118	136	35.6	35.6	NUM
fsr-3870	118	137	*	*	NOUN
fsr-3870	118	138	35.3	35.3	NUM
fsr-3870	118	139	44.5	44.5	NUM
fsr-3870	118	140	meeting	meeting	NOUN
fsr-3870	118	141	/	/	SYM
fsr-3870	118	142	presentation	presentation	NOUN
fsr-3870	118	143	23.9	23.9	NUM
fsr-3870	118	144	*	*	SYM
fsr-3870	118	145	18.3	18.3	NUM
fsr-3870	118	146	*	*	NUM
fsr-3870	118	147	46.6	46.6	NUM
fsr-3870	118	148	*	*	NUM
fsr-3870	118	149	17.1	17.1	NUM
fsr-3870	118	150	*	*	NOUN
fsr-3870	118	151	31.1	31.1	NUM
fsr-3870	118	152	27.1	27.1	NUM
fsr-3870	118	153	33.5	33.5	NUM
fsr-3870	118	154	other	other	ADJ
fsr-3870	118	155	4.6	4.6	NUM
fsr-3870	118	156	4.8	4.8	NUM
fsr-3870	118	157	*	*	NUM
fsr-3870	118	158	3.5	3.5	NUM
fsr-3870	118	159	5.9	5.9	NUM
fsr-3870	118	160	*	*	NUM
fsr-3870	118	161	3.5	3.5	NUM
fsr-3870	118	162	5.9	5.9	NUM
fsr-3870	118	163	3.5	3.5	NUM
fsr-3870	118	164	b.	b.	NOUN
fsr-3870	118	165	best	good	ADJ
fsr-3870	118	166	source	source	NOUN
fsr-3870	118	167	of	of	ADP
fsr-3870	118	168	information	information	NOUN
fsr-3870	118	169	prospectus	prospectus	NOUN
fsr-3870	118	170	13.9	13.9	NUM
fsr-3870	118	171	%	%	NOUN
fsr-3870	118	172	13.0	13.0	NUM
fsr-3870	118	173	%	%	NOUN
fsr-3870	118	174	16.8	16.8	NUM
fsr-3870	118	175	%	%	NOUN
fsr-3870	118	176	*	*	PROPN
fsr-3870	118	177	20.5	20.5	NUM
fsr-3870	118	178	%	%	NOUN
fsr-3870	118	179	*	*	NOUN
fsr-3870	118	180	17.4	17.4	NUM
fsr-3870	118	181	%	%	NOUN
fsr-3870	118	182	13.4	13.4	NUM
fsr-3870	118	183	%	%	NOUN
fsr-3870	118	184	15.2	15.2	NUM
fsr-3870	118	185	%	%	NOUN
fsr-3870	118	186	broker	broker	NOUN
fsr-3870	118	187	11.0	11.0	NUM
fsr-3870	118	188	*	*	SYM
fsr-3870	118	189	39.0	39.0	NUM
fsr-3870	118	190	*	*	SYM
fsr-3870	118	191	11.7	11.7	NUM
fsr-3870	118	192	*	*	NOUN
fsr-3870	118	193	14.9	14.9	NUM
fsr-3870	118	194	16.0	16.0	NUM
fsr-3870	118	195	22.0	22.0	NUM
fsr-3870	118	196	16.9	16.9	NUM
fsr-3870	118	197	family	family	NOUN
fsr-3870	118	198	or	or	CCONJ
fsr-3870	118	199	friends	friend	NOUN
fsr-3870	118	200	20.9	20.9	NUM
fsr-3870	118	201	*	*	SYM
fsr-3870	118	202	13.3	13.3	NUM
fsr-3870	118	203	*	*	NUM
fsr-3870	118	204	10.9	10.9	NUM
fsr-3870	118	205	*	*	NUM
fsr-3870	118	206	12.6	12.6	NUM
fsr-3870	118	207	*	*	NUM
fsr-3870	118	208	20.4	20.4	NUM
fsr-3870	118	209	*	*	NUM
fsr-3870	118	210	24.4	24.4	NUM
fsr-3870	118	211	*	*	SYM
fsr-3870	118	212	16.3	16.3	NUM
fsr-3870	118	213	financial	financial	ADJ
fsr-3870	118	214	publications	publication	NOUN
fsr-3870	118	215	13.6	13.6	NUM
fsr-3870	118	216	21.6	21.6	NUM
fsr-3870	118	217	*	*	PROPN
fsr-3870	118	218	16.6	16.6	NUM
fsr-3870	118	219	36.7	36.7	NUM
fsr-3870	118	220	*	*	NUM
fsr-3870	118	221	12.6	12.6	NUM
fsr-3870	118	222	*	*	SYM
fsr-3870	118	223	14.6	14.6	NUM
fsr-3870	118	224	17.1	17.1	NUM
fsr-3870	118	225	banker	banker	NOUN
fsr-3870	118	226	19.4	19.4	NUM
fsr-3870	118	227	*	*	SYM
fsr-3870	118	228	2.0	2.0	NUM
fsr-3870	118	229	*	*	SYM
fsr-3870	118	230	1.9	1.9	NUM
fsr-3870	118	231	*	*	SYM
fsr-3870	118	232	0.9	0.9	NUM
fsr-3870	118	233	*	*	NOUN
fsr-3870	118	234	4.4	4.4	NUM
fsr-3870	118	235	1.2	1.2	NUM
fsr-3870	118	236	4.2	4.2	NUM
fsr-3870	118	237	insurance	insurance	NOUN
fsr-3870	118	238	company	company	NOUN
fsr-3870	118	239	0.0	0.0	NUM
fsr-3870	118	240	0.3	0.3	NUM
fsr-3870	118	241	0.1	0.1	NUM
fsr-3870	118	242	*	*	NOUN
fsr-3870	118	243	0.0	0.0	NUM
fsr-3870	118	244	1.6	1.6	NUM
fsr-3870	118	245	*	*	SYM
fsr-3870	118	246	0.0	0.0	NUM
fsr-3870	118	247	0.4	0.4	NUM
fsr-3870	118	248	fund	fund	NOUN
fsr-3870	118	249	company	company	NOUN
fsr-3870	118	250	0.0	0.0	NUM
fsr-3870	118	251	0.0	0.0	NUM
fsr-3870	118	252	0.0	0.0	NUM
fsr-3870	118	253	0.0	0.0	NUM
fsr-3870	118	254	0.0	0.0	NUM
fsr-3870	118	255	0.0	0.0	NUM
fsr-3870	118	256	0.0	0.0	NUM
fsr-3870	118	257	employer	employer	NOUN
fsr-3870	118	258	18.7	18.7	NUM
fsr-3870	118	259	*	*	NOUN
fsr-3870	118	260	9.1	9.1	NUM
fsr-3870	118	261	*	*	SYM
fsr-3870	118	262	39.3	39.3	NUM
fsr-3870	118	263	*	*	SYM
fsr-3870	118	264	10.9	10.9	NUM
fsr-3870	118	265	*	*	SYM
fsr-3870	118	266	21.4	21.4	NUM
fsr-3870	118	267	*	*	NUM
fsr-3870	118	268	23.2	23.2	NUM
fsr-3870	118	269	26.7	26.7	NUM
fsr-3870	118	270	meeting	meeting	NOUN
fsr-3870	118	271	/	/	SYM
fsr-3870	118	272	presentation	presentation	NOUN
fsr-3870	118	273	0.4	0.4	NUM
fsr-3870	118	274	0.2	0.2	NUM
fsr-3870	118	275	0.7	0.7	NUM
fsr-3870	118	276	0.2	0.2	NUM
fsr-3870	118	277	0.8	0.8	NUM
fsr-3870	118	278	0.0	0.0	NUM
fsr-3870	118	279	0.6	0.6	NUM
fsr-3870	118	280	other	other	ADJ
fsr-3870	118	281	2.2	2.2	NUM
fsr-3870	118	282	1.6	1.6	NUM
fsr-3870	118	283	2.0	2.0	NUM
fsr-3870	118	284	3.3	3.3	NUM
fsr-3870	118	285	5.2	5.2	NUM
fsr-3870	118	286	1.2	1.2	NUM
fsr-3870	118	287	2.6	2.6	NUM
fsr-3870	118	288	notes:1	notes:1	NOUN
fsr-3870	118	289	.	.	PUNCT
fsr-3870	119	1	a	a	DET
fsr-3870	119	2	“	"	PUNCT
fsr-3870	119	3	*	*	NOUN
fsr-3870	119	4	”	"	PUNCT
fsr-3870	119	5	denotes	denote	VERB
fsr-3870	119	6	a	a	DET
fsr-3870	119	7	cell	cell	NOUN
fsr-3870	119	8	value	value	NOUN
fsr-3870	119	9	that	that	PRON
fsr-3870	119	10	is	be	AUX
fsr-3870	119	11	statistically	statistically	ADV
fsr-3870	119	12	significantly	significantly	ADV
fsr-3870	119	13	different	different	ADJ
fsr-3870	119	14	at	at	ADP
fsr-3870	119	15	the	the	DET
fsr-3870	119	16	five	five	NUM
fsr-3870	119	17	percent	percent	NOUN
fsr-3870	119	18	level	level	NOUN
fsr-3870	119	19	from	from	ADP
fsr-3870	119	20	the	the	DET
fsr-3870	119	21	corresponding	corresponding	ADJ
fsr-3870	119	22	value	value	NOUN
fsr-3870	119	23	for	for	ADP
fsr-3870	119	24	all	all	DET
fsr-3870	119	25	other	other	ADJ
fsr-3870	119	26	purchasers	purchaser	NOUN
fsr-3870	119	27	not	not	PART
fsr-3870	119	28	using	use	VERB
fsr-3870	119	29	the	the	DET
fsr-3870	119	30	particular	particular	ADJ
fsr-3870	119	31	distribution	distribution	NOUN
fsr-3870	119	32	channel	channel	NOUN
fsr-3870	119	33	being	be	AUX
fsr-3870	119	34	examined	examine	VERB
fsr-3870	119	35	.	.	PUNCT
fsr-3870	120	1	2	2	X
fsr-3870	120	2	.	.	X
fsr-3870	120	3	“	"	PUNCT
fsr-3870	120	4	employer	employer	NOUN
fsr-3870	120	5	”	"	PUNCT
fsr-3870	120	6	denotes	denote	NOUN
fsr-3870	120	7	“	"	PUNCT
fsr-3870	120	8	employer	employer	NOUN
fsr-3870	120	9	-	-	PUNCT
fsr-3870	120	10	provided	provide	VERB
fsr-3870	120	11	printed	print	VERB
fsr-3870	120	12	materials	material	NOUN
fsr-3870	120	13	”	"	PUNCT
fsr-3870	120	14	and	and	CCONJ
fsr-3870	120	15	“	"	PUNCT
fsr-3870	120	16	meeting	meeting	NOUN
fsr-3870	120	17	/	/	SYM
fsr-3870	120	18	presentation	presentation	NOUN
fsr-3870	120	19	”	"	PUNCT
fsr-3870	120	20	denotes	denote	NOUN
fsr-3870	120	21	“	"	PUNCT
fsr-3870	120	22	meetings	meeting	NOUN
fsr-3870	120	23	or	or	CCONJ
fsr-3870	120	24	presentations	presentation	NOUN
fsr-3870	120	25	at	at	ADP
fsr-3870	120	26	work	work	NOUN
fsr-3870	120	27	.	.	PUNCT
fsr-3870	120	28	”	"	PUNCT
fsr-3870	121	1	3	3	X
fsr-3870	121	2	.	.	X
fsr-3870	121	3	see	see	VERB
fsr-3870	121	4	notes	note	NOUN
fsr-3870	121	5	to	to	ADP
fsr-3870	121	6	table	table	NOUN
fsr-3870	121	7	1	1	NUM
fsr-3870	121	8	.	.	PUNCT
fsr-3870	121	9	307g.j	307g.j	NOUN
fsr-3870	121	10	.	.	PUNCT
fsr-3870	122	1	alexander	alexander	PROPN
fsr-3870	122	2	et	et	PROPN
fsr-3870	122	3	al	al	PROPN
fsr-3870	122	4	.	.	PUNCT
fsr-3870	122	5	/	/	SYM
fsr-3870	122	6	financial	financial	ADJ
fsr-3870	122	7	services	service	NOUN
fsr-3870	122	8	review	review	VERB
fsr-3870	122	9	7	7	NUM
fsr-3870	122	10	(	(	PUNCT
fsr-3870	122	11	1998	1998	NUM
fsr-3870	122	12	)	)	PUNCT
fsr-3870	123	1	301–316	301–316	NUM
fsr-3870	123	2	surprisingly	surprisingly	ADV
fsr-3870	123	3	,	,	PUNCT
fsr-3870	123	4	direct	direct	ADJ
fsr-3870	123	5	plan	plan	NOUN
fsr-3870	123	6	purchasers	purchaser	NOUN
fsr-3870	123	7	cited	cite	VERB
fsr-3870	123	8	financial	financial	ADJ
fsr-3870	123	9	publications	publication	NOUN
fsr-3870	123	10	(	(	PUNCT
fsr-3870	123	11	36.7	36.7	NUM
fsr-3870	123	12	%	%	NOUN
fsr-3870	123	13	)	)	PUNCT
fsr-3870	123	14	more	more	ADJ
fsr-3870	123	15	than	than	ADP
fsr-3870	123	16	the	the	DET
fsr-3870	123	17	prospectus	prospectus	NOUN
fsr-3870	123	18	(	(	PUNCT
fsr-3870	123	19	20.5	20.5	NUM
fsr-3870	123	20	%	%	NOUN
fsr-3870	123	21	)	)	PUNCT
fsr-3870	123	22	as	as	ADP
fsr-3870	123	23	the	the	DET
fsr-3870	123	24	best	good	ADJ
fsr-3870	123	25	source	source	NOUN
fsr-3870	123	26	.	.	PUNCT
fsr-3870	124	1	overall	overall	ADJ
fsr-3870	124	2	,	,	PUNCT
fsr-3870	124	3	survey	survey	NOUN
fsr-3870	124	4	respondents	respondent	NOUN
fsr-3870	124	5	most	most	ADV
fsr-3870	124	6	often	often	ADV
fsr-3870	124	7	cited	cite	VERB
fsr-3870	124	8	employer	employer	NOUN
fsr-3870	124	9	-	-	PUNCT
fsr-3870	124	10	provided	provide	VERB
fsr-3870	124	11	printed	print	VERB
fsr-3870	124	12	materials	material	NOUN
fsr-3870	124	13	as	as	ADP
fsr-3870	124	14	the	the	DET
fsr-3870	124	15	best	good	ADJ
fsr-3870	124	16	source	source	NOUN
fsr-3870	124	17	of	of	ADP
fsr-3870	124	18	information	information	NOUN
fsr-3870	124	19	about	about	ADP
fsr-3870	124	20	their	their	PRON
fsr-3870	124	21	most	most	ADV
fsr-3870	124	22	recently	recently	ADV
fsr-3870	124	23	acquired	acquire	VERB
fsr-3870	124	24	mutual	mutual	ADJ
fsr-3870	124	25	funds	fund	NOUN
fsr-3870	124	26	.	.	PUNCT
fsr-3870	125	1	this	this	DET
fsr-3870	125	2	result	result	NOUN
fsr-3870	125	3	would	would	AUX
fsr-3870	125	4	seem	seem	VERB
fsr-3870	125	5	to	to	PART
fsr-3870	125	6	be	be	AUX
fsr-3870	125	7	best	well	ADV
fsr-3870	125	8	explained	explain	VERB
fsr-3870	125	9	by	by	ADP
fsr-3870	125	10	the	the	DET
fsr-3870	125	11	large	large	ADJ
fsr-3870	125	12	number	number	NOUN
fsr-3870	125	13	of	of	ADP
fsr-3870	125	14	respondents	respondent	NOUN
fsr-3870	125	15	who	who	PRON
fsr-3870	125	16	had	have	AUX
fsr-3870	125	17	purchased	purchase	VERB
fsr-3870	125	18	funds	fund	NOUN
fsr-3870	125	19	through	through	ADP
fsr-3870	125	20	pension	pension	NOUN
fsr-3870	125	21	plans	plan	NOUN
fsr-3870	125	22	.	.	PUNCT
fsr-3870	126	1	after	after	ADP
fsr-3870	126	2	employer	employer	NOUN
fsr-3870	126	3	-	-	PUNCT
fsr-3870	126	4	provided	provide	VERB
fsr-3870	126	5	materials	material	NOUN
fsr-3870	126	6	(	(	PUNCT
fsr-3870	126	7	26.7	26.7	NUM
fsr-3870	126	8	%	%	NOUN
fsr-3870	126	9	)	)	PUNCT
fsr-3870	126	10	,	,	PUNCT
fsr-3870	126	11	the	the	DET
fsr-3870	126	12	sources	source	NOUN
fsr-3870	126	13	of	of	ADP
fsr-3870	126	14	information	information	NOUN
fsr-3870	126	15	most	most	ADV
fsr-3870	126	16	frequently	frequently	ADV
fsr-3870	126	17	cited	cite	VERB
fsr-3870	126	18	as	as	ADP
fsr-3870	126	19	the	the	DET
fsr-3870	126	20	best	good	ADJ
fsr-3870	126	21	were	be	AUX
fsr-3870	126	22	,	,	PUNCT
fsr-3870	126	23	in	in	ADP
fsr-3870	126	24	decreasing	decrease	VERB
fsr-3870	126	25	order	order	NOUN
fsr-3870	126	26	,	,	PUNCT
fsr-3870	126	27	financial	financial	ADJ
fsr-3870	126	28	publications	publication	NOUN
fsr-3870	126	29	(	(	PUNCT
fsr-3870	126	30	17.1	17.1	NUM
fsr-3870	126	31	%	%	NOUN
fsr-3870	126	32	)	)	PUNCT
fsr-3870	126	33	,	,	PUNCT
fsr-3870	126	34	broker	broker	NOUN
fsr-3870	126	35	(	(	PUNCT
fsr-3870	126	36	16.9	16.9	NUM
fsr-3870	126	37	%	%	NOUN
fsr-3870	126	38	)	)	PUNCT
fsr-3870	126	39	,	,	PUNCT
fsr-3870	126	40	family	family	NOUN
fsr-3870	126	41	or	or	CCONJ
fsr-3870	126	42	friends	friend	NOUN
fsr-3870	126	43	(	(	PUNCT
fsr-3870	126	44	16.3	16.3	NUM
fsr-3870	126	45	%	%	NOUN
fsr-3870	126	46	)	)	PUNCT
fsr-3870	126	47	,	,	PUNCT
fsr-3870	126	48	and	and	CCONJ
fsr-3870	126	49	the	the	DET
fsr-3870	126	50	prospectus	prospectus	NOUN
fsr-3870	126	51	(	(	PUNCT
fsr-3870	126	52	15.2	15.2	NUM
fsr-3870	126	53	%	%	NOUN
fsr-3870	126	54	)	)	PUNCT
fsr-3870	126	55	.	.	PUNCT
fsr-3870	127	1	4.2	4.2	NUM
fsr-3870	127	2	.	.	PUNCT
fsr-3870	127	3	knowledge	knowledge	NOUN
fsr-3870	127	4	of	of	ADP
fsr-3870	127	5	risk	risk	NOUN
fsr-3870	127	6	,	,	PUNCT
fsr-3870	127	7	expenses	expense	NOUN
fsr-3870	127	8	,	,	PUNCT
fsr-3870	127	9	and	and	CCONJ
fsr-3870	127	10	performance	performance	NOUN
fsr-3870	127	11	panel	panel	NOUN
fsr-3870	127	12	a	a	PRON
fsr-3870	127	13	of	of	ADP
fsr-3870	127	14	table	table	NOUN
fsr-3870	127	15	4	4	NUM
fsr-3870	127	16	presents	present	NOUN
fsr-3870	127	17	data	datum	NOUN
fsr-3870	127	18	on	on	ADP
fsr-3870	127	19	mutual	mutual	ADJ
fsr-3870	127	20	fund	fund	NOUN
fsr-3870	127	21	investor	investor	NOUN
fsr-3870	127	22	awareness	awareness	NOUN
fsr-3870	127	23	of	of	ADP
fsr-3870	127	24	certain	certain	ADJ
fsr-3870	127	25	investment	investment	NOUN
fsr-3870	127	26	risks	risk	NOUN
fsr-3870	127	27	involved	involve	VERB
fsr-3870	127	28	with	with	ADP
fsr-3870	127	29	stock	stock	NOUN
fsr-3870	127	30	,	,	PUNCT
fsr-3870	127	31	bond	bond	NOUN
fsr-3870	127	32	,	,	PUNCT
fsr-3870	127	33	and	and	CCONJ
fsr-3870	127	34	money	money	NOUN
fsr-3870	127	35	market	market	NOUN
fsr-3870	127	36	mutual	mutual	ADJ
fsr-3870	127	37	funds	fund	NOUN
fsr-3870	127	38	.	.	PUNCT
fsr-3870	128	1	most	most	ADJ
fsr-3870	128	2	mutual	mutual	ADJ
fsr-3870	128	3	fund	fund	NOUN
fsr-3870	128	4	purchasers	purchaser	NOUN
fsr-3870	128	5	know	know	VERB
fsr-3870	128	6	that	that	SCONJ
fsr-3870	128	7	it	it	PRON
fsr-3870	128	8	is	be	AUX
fsr-3870	128	9	possible	possible	ADJ
fsr-3870	128	10	to	to	PART
fsr-3870	128	11	lose	lose	VERB
fsr-3870	128	12	money	money	NOUN
fsr-3870	128	13	in	in	ADP
fsr-3870	128	14	stock	stock	NOUN
fsr-3870	128	15	,	,	PUNCT
fsr-3870	128	16	bond	bond	NOUN
fsr-3870	128	17	,	,	PUNCT
fsr-3870	128	18	and	and	CCONJ
fsr-3870	128	19	money	money	NOUN
fsr-3870	128	20	market	market	NOUN
fsr-3870	128	21	mutual	mutual	ADJ
fsr-3870	128	22	funds	fund	NOUN
fsr-3870	128	23	(	(	PUNCT
fsr-3870	128	24	94.0	94.0	NUM
fsr-3870	128	25	%	%	NOUN
fsr-3870	128	26	,	,	PUNCT
fsr-3870	128	27	71.8	71.8	NUM
fsr-3870	128	28	%	%	NOUN
fsr-3870	128	29	,	,	PUNCT
fsr-3870	128	30	and	and	CCONJ
fsr-3870	128	31	63.9	63.9	NUM
fsr-3870	128	32	%	%	NOUN
fsr-3870	128	33	know	know	VERB
fsr-3870	128	34	this	this	PRON
fsr-3870	128	35	,	,	PUNCT
fsr-3870	128	36	respectively	respectively	ADV
fsr-3870	128	37	)	)	PUNCT
fsr-3870	128	38	.	.	PUNCT
fsr-3870	129	1	as	as	SCONJ
fsr-3870	129	2	shown	show	VERB
fsr-3870	129	3	in	in	ADP
fsr-3870	129	4	panel	panel	NOUN
fsr-3870	129	5	b	b	PROPN
fsr-3870	129	6	,	,	PUNCT
fsr-3870	129	7	the	the	DET
fsr-3870	129	8	difference	difference	NOUN
fsr-3870	129	9	in	in	ADP
fsr-3870	129	10	the	the	DET
fsr-3870	129	11	percentages	percentage	NOUN
fsr-3870	129	12	of	of	ADP
fsr-3870	129	13	investors	investor	NOUN
fsr-3870	129	14	who	who	PRON
fsr-3870	129	15	believe	believe	VERB
fsr-3870	129	16	that	that	SCONJ
fsr-3870	129	17	stock	stock	NOUN
fsr-3870	129	18	and	and	CCONJ
fsr-3870	129	19	bond	bond	NOUN
fsr-3870	129	20	mutual	mutual	ADJ
fsr-3870	129	21	funds	fund	NOUN
fsr-3870	129	22	can	can	AUX
fsr-3870	129	23	table	table	VERB
fsr-3870	129	24	4	4	NUM
fsr-3870	129	25	investor	investor	NOUN
fsr-3870	129	26	knowledge	knowledge	NOUN
fsr-3870	129	27	of	of	ADP
fsr-3870	129	28	risk	risk	NOUN
fsr-3870	129	29	associated	associate	VERB
fsr-3870	129	30	with	with	ADP
fsr-3870	129	31	mutual	mutual	ADJ
fsr-3870	129	32	funds	fund	NOUN
fsr-3870	129	33	distribution	distribution	NOUN
fsr-3870	129	34	channel	channel	NOUN
fsr-3870	129	35	used	use	VERB
fsr-3870	129	36	bank	bank	NOUN
fsr-3870	129	37	broker	broker	PROPN
fsr-3870	129	38	pension	pension	NOUN
fsr-3870	129	39	direct	direct	ADJ
fsr-3870	129	40	insurance	insurance	NOUN
fsr-3870	129	41	other	other	ADJ
fsr-3870	129	42	total	total	ADJ
fsr-3870	129	43	a.	a.	NOUN
fsr-3870	129	44	is	be	AUX
fsr-3870	129	45	it	it	PRON
fsr-3870	129	46	possible	possible	ADJ
fsr-3870	129	47	to	to	PART
fsr-3870	129	48	lose	lose	VERB
fsr-3870	129	49	money	money	NOUN
fsr-3870	129	50	in	in	ADP
fsr-3870	129	51	this	this	DET
fsr-3870	129	52	type	type	NOUN
fsr-3870	129	53	of	of	ADP
fsr-3870	129	54	fund	fund	NOUN
fsr-3870	129	55	?	?	PUNCT
fsr-3870	130	1	stock	stock	NOUN
fsr-3870	130	2	fund	fund	NOUN
fsr-3870	131	1	yes	yes	INTJ
fsr-3870	131	2	93.9	93.9	NUM
fsr-3870	131	3	%	%	NOUN
fsr-3870	131	4	96.9	96.9	NUM
fsr-3870	131	5	%	%	NOUN
fsr-3870	131	6	*	*	NOUN
fsr-3870	131	7	94.6	94.6	NUM
fsr-3870	131	8	%	%	NOUN
fsr-3870	131	9	97.9	97.9	NUM
fsr-3870	131	10	%	%	NOUN
fsr-3870	131	11	*	*	NOUN
fsr-3870	131	12	92.3	92.3	NUM
fsr-3870	131	13	%	%	NOUN
fsr-3870	131	14	92.4	92.4	NUM
fsr-3870	131	15	%	%	NOUN
fsr-3870	131	16	94.0	94.0	NUM
fsr-3870	131	17	%	%	NOUN
fsr-3870	131	18	no	no	DET
fsr-3870	131	19	2.7	2.7	NUM
fsr-3870	131	20	0.9	0.9	NUM
fsr-3870	131	21	*	*	NOUN
fsr-3870	131	22	1.5	1.5	NUM
fsr-3870	131	23	0.5	0.5	NUM
fsr-3870	131	24	*	*	SYM
fsr-3870	131	25	2.5	2.5	NUM
fsr-3870	131	26	2.2	2.2	NUM
fsr-3870	131	27	2.0	2.0	NUM
fsr-3870	131	28	dk	dk	NOUN
fsr-3870	131	29	/	/	SYM
fsr-3870	131	30	refused	refuse	VERB
fsr-3870	131	31	3.4	3.4	NUM
fsr-3870	131	32	2.2	2.2	NUM
fsr-3870	131	33	*	*	NUM
fsr-3870	131	34	3.9	3.9	NUM
fsr-3870	131	35	1.6	1.6	NUM
fsr-3870	131	36	*	*	SYM
fsr-3870	131	37	5.2	5.2	NUM
fsr-3870	131	38	5.4	5.4	NUM
fsr-3870	131	39	4.1	4.1	NUM
fsr-3870	131	40	total	total	NOUN
fsr-3870	131	41	100.0	100.0	NUM
fsr-3870	131	42	%	%	NOUN
fsr-3870	131	43	100.0	100.0	NUM
fsr-3870	131	44	%	%	NOUN
fsr-3870	131	45	100.0	100.0	NUM
fsr-3870	131	46	%	%	NOUN
fsr-3870	131	47	100.0	100.0	NUM
fsr-3870	131	48	%	%	NOUN
fsr-3870	131	49	100.0	100.0	NUM
fsr-3870	131	50	%	%	NOUN
fsr-3870	131	51	100.0	100.0	NUM
fsr-3870	131	52	%	%	NOUN
fsr-3870	131	53	100.0	100.0	NUM
fsr-3870	131	54	%	%	NOUN
fsr-3870	131	55	bond	bond	NOUN
fsr-3870	131	56	fund	fund	NOUN
fsr-3870	131	57	yes	yes	ADV
fsr-3870	131	58	72.8	72.8	NUM
fsr-3870	131	59	%	%	NOUN
fsr-3870	131	60	79.5	79.5	NUM
fsr-3870	131	61	%	%	NOUN
fsr-3870	131	62	*	*	NOUN
fsr-3870	131	63	73.6	73.6	NUM
fsr-3870	131	64	%	%	NOUN
fsr-3870	131	65	*	*	NOUN
fsr-3870	131	66	85.6	85.6	NUM
fsr-3870	131	67	%	%	NOUN
fsr-3870	131	68	*	*	NOUN
fsr-3870	131	69	68.7	68.7	NUM
fsr-3870	131	70	%	%	NOUN
fsr-3870	131	71	67.4	67.4	NUM
fsr-3870	131	72	%	%	NOUN
fsr-3870	131	73	71.8	71.8	NUM
fsr-3870	131	74	%	%	NOUN
fsr-3870	131	75	no	no	DET
fsr-3870	131	76	13.3	13.3	NUM
fsr-3870	131	77	8.2	8.2	NUM
fsr-3870	131	78	*	*	NUM
fsr-3870	131	79	12.1	12.1	NUM
fsr-3870	131	80	6.2	6.2	NUM
fsr-3870	131	81	*	*	NOUN
fsr-3870	131	82	13.2	13.2	NUM
fsr-3870	131	83	18.5	18.5	NUM
fsr-3870	131	84	12.3	12.3	NUM
fsr-3870	131	85	dk	dk	NOUN
fsr-3870	131	86	/	/	SYM
fsr-3870	131	87	refused	refuse	VERB
fsr-3870	131	88	14.0	14.0	NUM
fsr-3870	131	89	12.4	12.4	NUM
fsr-3870	131	90	*	*	NUM
fsr-3870	131	91	14.3	14.3	NUM
fsr-3870	131	92	*	*	NUM
fsr-3870	131	93	8.3	8.3	NUM
fsr-3870	131	94	*	*	SYM
fsr-3870	131	95	18.0	18.0	NUM
fsr-3870	131	96	14.1	14.1	NUM
fsr-3870	131	97	16.0	16.0	NUM
fsr-3870	131	98	total	total	NOUN
fsr-3870	131	99	100.0	100.0	NUM
fsr-3870	131	100	%	%	NOUN
fsr-3870	131	101	100.0	100.0	NUM
fsr-3870	131	102	%	%	NOUN
fsr-3870	131	103	100.0	100.0	NUM
fsr-3870	131	104	%	%	NOUN
fsr-3870	131	105	100.0	100.0	NUM
fsr-3870	131	106	%	%	NOUN
fsr-3870	131	107	100.0	100.0	NUM
fsr-3870	131	108	%	%	NOUN
fsr-3870	131	109	100.0	100.0	NUM
fsr-3870	131	110	%	%	NOUN
fsr-3870	131	111	100.0	100.0	NUM
fsr-3870	131	112	%	%	NOUN
fsr-3870	131	113	money	money	NOUN
fsr-3870	131	114	market	market	NOUN
fsr-3870	131	115	fund	fund	NOUN
fsr-3870	132	1	yes	yes	INTJ
fsr-3870	132	2	64.0	64.0	NUM
fsr-3870	132	3	%	%	NOUN
fsr-3870	132	4	63.0	63.0	NUM
fsr-3870	132	5	%	%	NOUN
fsr-3870	132	6	64.9	64.9	NUM
fsr-3870	132	7	%	%	NOUN
fsr-3870	132	8	67.5	67.5	NUM
fsr-3870	132	9	%	%	NOUN
fsr-3870	132	10	*	*	PROPN
fsr-3870	132	11	66.8	66.8	NUM
fsr-3870	132	12	%	%	NOUN
fsr-3870	132	13	64.1	64.1	NUM
fsr-3870	132	14	%	%	NOUN
fsr-3870	132	15	63.9	63.9	NUM
fsr-3870	132	16	%	%	NOUN
fsr-3870	132	17	no	no	DET
fsr-3870	132	18	20.1	20.1	NUM
fsr-3870	132	19	23.0	23.0	NUM
fsr-3870	132	20	20.3	20.3	NUM
fsr-3870	132	21	21.8	21.8	NUM
fsr-3870	132	22	*	*	PUNCT
fsr-3870	132	23	20.0	20.0	NUM
fsr-3870	132	24	19.6	19.6	NUM
fsr-3870	132	25	20.5	20.5	NUM
fsr-3870	132	26	dk	dk	NOUN
fsr-3870	132	27	/	/	SYM
fsr-3870	132	28	refused	refuse	VERB
fsr-3870	132	29	16.0	16.0	NUM
fsr-3870	132	30	14.0	14.0	NUM
fsr-3870	132	31	14.9	14.9	NUM
fsr-3870	132	32	10.7	10.7	NUM
fsr-3870	132	33	*	*	NOUN
fsr-3870	132	34	13.2	13.2	NUM
fsr-3870	132	35	16.3	16.3	NUM
fsr-3870	132	36	15.7	15.7	NUM
fsr-3870	132	37	total	total	NOUN
fsr-3870	132	38	100.0	100.0	NUM
fsr-3870	132	39	%	%	NOUN
fsr-3870	132	40	100.0	100.0	NUM
fsr-3870	132	41	%	%	NOUN
fsr-3870	132	42	100.0	100.0	NUM
fsr-3870	132	43	%	%	NOUN
fsr-3870	132	44	100.0	100.0	NUM
fsr-3870	132	45	%	%	NOUN
fsr-3870	132	46	100.0	100.0	NUM
fsr-3870	132	47	%	%	NOUN
fsr-3870	132	48	100.0	100.0	NUM
fsr-3870	132	49	%	%	NOUN
fsr-3870	132	50	100.0	100.0	NUM
fsr-3870	132	51	%	%	NOUN
fsr-3870	132	52	b.	b.	PROPN
fsr-3870	132	53	cross	cross	PROPN
fsr-3870	132	54	-	-	ADJ
fsr-3870	132	55	fund	fund	ADJ
fsr-3870	132	56	differences	difference	NOUN
fsr-3870	132	57	stock	stock	NOUN
fsr-3870	132	58	vs.	vs.	ADP
fsr-3870	132	59	bond	bond	NOUN
fsr-3870	132	60	funds	fund	NOUN
fsr-3870	132	61	stock	stock	NOUN
fsr-3870	132	62	funds	fund	NOUN
fsr-3870	132	63	93.9	93.9	NUM
fsr-3870	132	64	%	%	NOUN
fsr-3870	132	65	96.9	96.9	NUM
fsr-3870	132	66	%	%	NOUN
fsr-3870	132	67	94.6	94.6	NUM
fsr-3870	132	68	%	%	NOUN
fsr-3870	132	69	97.9	97.9	NUM
fsr-3870	132	70	%	%	NOUN
fsr-3870	132	71	92.3	92.3	NUM
fsr-3870	132	72	%	%	NOUN
fsr-3870	132	73	92.4	92.4	NUM
fsr-3870	132	74	%	%	NOUN
fsr-3870	132	75	94.0	94.0	NUM
fsr-3870	132	76	%	%	NOUN
fsr-3870	132	77	bond	bond	NOUN
fsr-3870	132	78	funds	fund	NOUN
fsr-3870	132	79	72.8	72.8	NUM
fsr-3870	132	80	79.5	79.5	NUM
fsr-3870	132	81	73.6	73.6	NUM
fsr-3870	132	82	85.6	85.6	NUM
fsr-3870	132	83	68.7	68.7	NUM
fsr-3870	132	84	67.4	67.4	NUM
fsr-3870	132	85	71.8	71.8	NUM
fsr-3870	132	86	difference	difference	NOUN
fsr-3870	132	87	21.1	21.1	NUM
fsr-3870	132	88	17.4	17.4	NUM
fsr-3870	132	89	21.0	21.0	NUM
fsr-3870	132	90	12.3	12.3	NUM
fsr-3870	132	91	23.6	23.6	NUM
fsr-3870	132	92	25.0	25.0	NUM
fsr-3870	132	93	22.2	22.2	NUM
fsr-3870	132	94	(	(	PUNCT
fsr-3870	132	95	t	t	NOUN
fsr-3870	132	96	-	-	PUNCT
fsr-3870	132	97	statistic	statistic	NOUN
fsr-3870	132	98	)	)	PUNCT
fsr-3870	132	99	(	(	PUNCT
fsr-3870	132	100	8.0	8.0	NUM
fsr-3870	132	101	*	*	NUM
fsr-3870	132	102	)	)	PUNCT
fsr-3870	132	103	(	(	PUNCT
fsr-3870	132	104	10.7	10.7	NUM
fsr-3870	132	105	*	*	NUM
fsr-3870	132	106	)	)	PUNCT
fsr-3870	132	107	(	(	PUNCT
fsr-3870	132	108	15.8	15.8	NUM
fsr-3870	132	109	*	*	NUM
fsr-3870	132	110	)	)	PUNCT
fsr-3870	132	111	(	(	PUNCT
fsr-3870	132	112	8.6	8.6	NUM
fsr-3870	132	113	*	*	NUM
fsr-3870	132	114	)	)	PUNCT
fsr-3870	132	115	(	(	PUNCT
fsr-3870	132	116	11.7	11.7	NUM
fsr-3870	132	117	*	*	NUM
fsr-3870	132	118	)	)	PUNCT
fsr-3870	132	119	(	(	PUNCT
fsr-3870	132	120	4.7	4.7	NUM
fsr-3870	132	121	*	*	NUM
fsr-3870	132	122	)	)	PUNCT
fsr-3870	132	123	(	(	PUNCT
fsr-3870	132	124	22.1	22.1	NUM
fsr-3870	132	125	*	*	NOUN
fsr-3870	132	126	)	)	PUNCT
fsr-3870	132	127	bond	bond	NOUN
fsr-3870	132	128	vs.	vs.	ADP
fsr-3870	132	129	money	money	NOUN
fsr-3870	132	130	market	market	NOUN
fsr-3870	132	131	funds	fund	NOUN
fsr-3870	132	132	bond	bond	NOUN
fsr-3870	132	133	funds	fund	NOUN
fsr-3870	132	134	72.8	72.8	NUM
fsr-3870	132	135	%	%	NOUN
fsr-3870	132	136	79.5	79.5	NUM
fsr-3870	132	137	%	%	NOUN
fsr-3870	132	138	73.6	73.6	NUM
fsr-3870	132	139	%	%	NOUN
fsr-3870	132	140	85.6	85.6	NUM
fsr-3870	132	141	%	%	NOUN
fsr-3870	132	142	68.7	68.7	NUM
fsr-3870	132	143	%	%	NOUN
fsr-3870	132	144	67.4	67.4	NUM
fsr-3870	132	145	%	%	NOUN
fsr-3870	132	146	71.8	71.8	NUM
fsr-3870	132	147	%	%	NOUN
fsr-3870	132	148	money	money	NOUN
fsr-3870	132	149	mkt	mkt	PROPN
fsr-3870	132	150	funds	fund	VERB
fsr-3870	132	151	64.0	64.0	NUM
fsr-3870	132	152	63.0	63.0	NUM
fsr-3870	132	153	64.9	64.9	NUM
fsr-3870	132	154	67.5	67.5	NUM
fsr-3870	132	155	66.8	66.8	NUM
fsr-3870	132	156	64.1	64.1	NUM
fsr-3870	132	157	63.9	63.9	NUM
fsr-3870	132	158	difference	difference	NOUN
fsr-3870	132	159	8.8	8.8	NUM
fsr-3870	132	160	16.5	16.5	NUM
fsr-3870	132	161	8.8	8.8	NUM
fsr-3870	132	162	18.1	18.1	NUM
fsr-3870	132	163	1.9	1.9	NUM
fsr-3870	132	164	3.3	3.3	NUM
fsr-3870	132	165	7.9	7.9	NUM
fsr-3870	132	166	(	(	PUNCT
fsr-3870	132	167	t	t	NOUN
fsr-3870	132	168	-	-	PUNCT
fsr-3870	132	169	statistic	statistic	NOUN
fsr-3870	132	170	)	)	PUNCT
fsr-3870	132	171	(	(	PUNCT
fsr-3870	132	172	2.6	2.6	NUM
fsr-3870	132	173	*	*	NUM
fsr-3870	132	174	)	)	PUNCT
fsr-3870	132	175	(	(	PUNCT
fsr-3870	132	176	7.3	7.3	NUM
fsr-3870	132	177	*	*	NUM
fsr-3870	132	178	)	)	PUNCT
fsr-3870	132	179	(	(	PUNCT
fsr-3870	132	180	5.1	5.1	NUM
fsr-3870	132	181	*	*	NUM
fsr-3870	132	182	)	)	PUNCT
fsr-3870	132	183	(	(	PUNCT
fsr-3870	132	184	7.9	7.9	NUM
fsr-3870	132	185	*	*	NUM
fsr-3870	132	186	)	)	PUNCT
fsr-3870	132	187	(	(	PUNCT
fsr-3870	132	188	0.74	0.74	NUM
fsr-3870	132	189	)	)	PUNCT
fsr-3870	132	190	(	(	PUNCT
fsr-3870	132	191	0.55	0.55	NUM
fsr-3870	132	192	)	)	PUNCT
fsr-3870	132	193	(	(	PUNCT
fsr-3870	132	194	6.1	6.1	NUM
fsr-3870	132	195	*	*	PUNCT
fsr-3870	132	196	)	)	PUNCT
fsr-3870	132	197	notes:1	notes:1	VERB
fsr-3870	132	198	.	.	PUNCT
fsr-3870	133	1	dk	dk	PROPN
fsr-3870	133	2	denotes	denote	NOUN
fsr-3870	133	3	“	"	PUNCT
fsr-3870	133	4	do	do	AUX
fsr-3870	133	5	n’t	not	PART
fsr-3870	133	6	know	know	VERB
fsr-3870	133	7	.	.	PUNCT
fsr-3870	133	8	”	"	PUNCT
fsr-3870	134	1	2	2	NUM
fsr-3870	134	2	.	.	X
fsr-3870	134	3	a	a	DET
fsr-3870	134	4	“	"	PUNCT
fsr-3870	134	5	*	*	NOUN
fsr-3870	134	6	”	"	PUNCT
fsr-3870	134	7	signifies	signify	VERB
fsr-3870	134	8	statistical	statistical	ADJ
fsr-3870	134	9	significance	significance	NOUN
fsr-3870	134	10	at	at	ADP
fsr-3870	134	11	the	the	DET
fsr-3870	134	12	five	five	NUM
fsr-3870	134	13	percent	percent	NOUN
fsr-3870	134	14	level	level	NOUN
fsr-3870	134	15	;	;	PUNCT
fsr-3870	134	16	a	a	DET
fsr-3870	134	17	paired	pair	VERB
fsr-3870	134	18	t	t	NOUN
fsr-3870	134	19	-	-	PUNCT
fsr-3870	134	20	test	test	NOUN
fsr-3870	134	21	was	be	AUX
fsr-3870	134	22	used	use	VERB
fsr-3870	134	23	in	in	ADP
fsr-3870	134	24	testing	test	VERB
fsr-3870	134	25	the	the	DET
fsr-3870	134	26	difference	difference	NOUN
fsr-3870	134	27	between	between	ADP
fsr-3870	134	28	stock	stock	NOUN
fsr-3870	134	29	and	and	CCONJ
fsr-3870	134	30	bond	bond	NOUN
fsr-3870	134	31	funds	fund	NOUN
fsr-3870	134	32	and	and	CCONJ
fsr-3870	134	33	between	between	ADP
fsr-3870	134	34	bond	bond	NOUN
fsr-3870	134	35	and	and	CCONJ
fsr-3870	134	36	money	money	NOUN
fsr-3870	134	37	market	market	NOUN
fsr-3870	134	38	funds	fund	NOUN
fsr-3870	134	39	.	.	PUNCT
fsr-3870	135	1	3	3	X
fsr-3870	135	2	.	.	X
fsr-3870	135	3	see	see	VERB
fsr-3870	135	4	notes	note	NOUN
fsr-3870	135	5	to	to	ADP
fsr-3870	135	6	table	table	NOUN
fsr-3870	135	7	1	1	NUM
fsr-3870	135	8	.	.	X
fsr-3870	135	9	308	308	NUM
fsr-3870	136	1	g.j	g.j	PROPN
fsr-3870	136	2	.	.	PUNCT
fsr-3870	137	1	alexander	alexander	PROPN
fsr-3870	137	2	et	et	PROPN
fsr-3870	137	3	al	al	PROPN
fsr-3870	137	4	.	.	PUNCT
fsr-3870	137	5	/	/	SYM
fsr-3870	137	6	financial	financial	ADJ
fsr-3870	137	7	services	service	NOUN
fsr-3870	137	8	review	review	VERB
fsr-3870	137	9	7	7	NUM
fsr-3870	137	10	(	(	PUNCT
fsr-3870	137	11	1998	1998	NUM
fsr-3870	137	12	)	)	PUNCT
fsr-3870	138	1	301–316	301–316	NUM
fsr-3870	138	2	lose	lose	VERB
fsr-3870	138	3	money	money	NOUN
fsr-3870	138	4	is	be	AUX
fsr-3870	138	5	a	a	DET
fsr-3870	138	6	statistically	statistically	ADV
fsr-3870	138	7	significant	significant	ADJ
fsr-3870	138	8	22.2	22.2	NUM
fsr-3870	138	9	%	%	NOUN
fsr-3870	138	10	;	;	PUNCT
fsr-3870	138	11	the	the	DET
fsr-3870	138	12	difference	difference	NOUN
fsr-3870	138	13	when	when	SCONJ
fsr-3870	138	14	bond	bond	NOUN
fsr-3870	138	15	and	and	CCONJ
fsr-3870	138	16	money	money	NOUN
fsr-3870	138	17	market	market	NOUN
fsr-3870	138	18	funds	fund	NOUN
fsr-3870	138	19	are	be	AUX
fsr-3870	138	20	compared	compare	VERB
fsr-3870	138	21	is	be	AUX
fsr-3870	138	22	7.9	7.9	NUM
fsr-3870	138	23	%	%	NOUN
fsr-3870	138	24	,	,	PUNCT
fsr-3870	138	25	which	which	PRON
fsr-3870	138	26	is	be	AUX
fsr-3870	138	27	smaller	small	ADJ
fsr-3870	138	28	but	but	CCONJ
fsr-3870	138	29	still	still	ADV
fsr-3870	138	30	statistically	statistically	ADV
fsr-3870	138	31	significant	significant	ADJ
fsr-3870	138	32	.	.	PUNCT
fsr-3870	139	1	the	the	DET
fsr-3870	139	2	differences	difference	NOUN
fsr-3870	139	3	between	between	ADP
fsr-3870	139	4	the	the	DET
fsr-3870	139	5	stock	stock	NOUN
fsr-3870	139	6	and	and	CCONJ
fsr-3870	139	7	bond	bond	NOUN
fsr-3870	139	8	fund	fund	NOUN
fsr-3870	139	9	percentages	percentage	NOUN
fsr-3870	139	10	are	be	AUX
fsr-3870	139	11	generally	generally	ADV
fsr-3870	139	12	similar	similar	ADJ
fsr-3870	139	13	across	across	ADP
fsr-3870	139	14	all	all	DET
fsr-3870	139	15	distribution	distribution	NOUN
fsr-3870	139	16	channels	channel	NOUN
fsr-3870	139	17	.	.	PUNCT
fsr-3870	140	1	a	a	DET
fsr-3870	140	2	similar	similar	ADJ
fsr-3870	140	3	observation	observation	NOUN
fsr-3870	140	4	can	can	AUX
fsr-3870	140	5	be	be	AUX
fsr-3870	140	6	made	make	VERB
fsr-3870	140	7	when	when	SCONJ
fsr-3870	140	8	the	the	DET
fsr-3870	140	9	bond	bond	NOUN
fsr-3870	140	10	and	and	CCONJ
fsr-3870	140	11	money	money	NOUN
fsr-3870	140	12	market	market	NOUN
fsr-3870	140	13	fund	fund	NOUN
fsr-3870	140	14	percentages	percentage	NOUN
fsr-3870	140	15	are	be	AUX
fsr-3870	140	16	compared	compare	VERB
fsr-3870	140	17	,	,	PUNCT
fsr-3870	140	18	except	except	SCONJ
fsr-3870	140	19	for	for	ADP
fsr-3870	140	20	the	the	DET
fsr-3870	140	21	insurance	insurance	NOUN
fsr-3870	140	22	and	and	CCONJ
fsr-3870	140	23	“	"	PUNCT
fsr-3870	140	24	other	other	ADJ
fsr-3870	140	25	”	"	PUNCT
fsr-3870	140	26	distribution	distribution	NOUN
fsr-3870	140	27	channels	channel	NOUN
fsr-3870	140	28	where	where	SCONJ
fsr-3870	140	29	the	the	DET
fsr-3870	140	30	differences	difference	NOUN
fsr-3870	140	31	are	be	AUX
fsr-3870	140	32	small	small	ADJ
fsr-3870	140	33	and	and	CCONJ
fsr-3870	140	34	insignificant	insignificant	ADJ
fsr-3870	140	35	.	.	PUNCT
fsr-3870	141	1	overall	overall	ADJ
fsr-3870	141	2	,	,	PUNCT
fsr-3870	141	3	broker	broker	NOUN
fsr-3870	141	4	and	and	CCONJ
fsr-3870	141	5	direct	direct	ADJ
fsr-3870	141	6	purchasers	purchaser	NOUN
fsr-3870	141	7	seem	seem	VERB
fsr-3870	141	8	most	most	ADV
fsr-3870	141	9	knowledgeable	knowledgeable	ADJ
fsr-3870	141	10	about	about	ADP
fsr-3870	141	11	the	the	DET
fsr-3870	141	12	possibility	possibility	NOUN
fsr-3870	141	13	of	of	ADP
fsr-3870	141	14	losing	lose	VERB
fsr-3870	141	15	money	money	NOUN
fsr-3870	141	16	in	in	ADP
fsr-3870	141	17	all	all	DET
fsr-3870	141	18	three	three	NUM
fsr-3870	141	19	types	type	NOUN
fsr-3870	141	20	of	of	ADP
fsr-3870	141	21	mutual	mutual	ADJ
fsr-3870	141	22	funds	fund	NOUN
fsr-3870	141	23	.	.	PUNCT
fsr-3870	142	1	although	although	SCONJ
fsr-3870	142	2	not	not	PART
fsr-3870	142	3	reported	report	VERB
fsr-3870	142	4	in	in	ADP
fsr-3870	142	5	the	the	DET
fsr-3870	142	6	tables	table	NOUN
fsr-3870	142	7	,	,	PUNCT
fsr-3870	142	8	the	the	DET
fsr-3870	142	9	respondents	respondent	NOUN
fsr-3870	142	10	’	'	PUNCT
fsr-3870	142	11	beliefs	belief	NOUN
fsr-3870	142	12	about	about	ADP
fsr-3870	142	13	being	be	AUX
fsr-3870	142	14	able	able	ADJ
fsr-3870	142	15	to	to	PART
fsr-3870	142	16	lose	lose	VERB
fsr-3870	142	17	money	money	NOUN
fsr-3870	142	18	in	in	ADP
fsr-3870	142	19	stock	stock	NOUN
fsr-3870	142	20	,	,	PUNCT
fsr-3870	142	21	bond	bond	NOUN
fsr-3870	142	22	,	,	PUNCT
fsr-3870	142	23	and	and	CCONJ
fsr-3870	142	24	money	money	NOUN
fsr-3870	142	25	market	market	NOUN
fsr-3870	142	26	funds	fund	NOUN
fsr-3870	142	27	were	be	AUX
fsr-3870	142	28	also	also	ADV
fsr-3870	142	29	examined	examine	VERB
fsr-3870	142	30	by	by	ADP
fsr-3870	142	31	four	four	NUM
fsr-3870	142	32	demographic	demographic	ADJ
fsr-3870	142	33	pieces	piece	NOUN
fsr-3870	142	34	of	of	ADP
fsr-3870	142	35	information	information	NOUN
fsr-3870	142	36	:	:	PUNCT
fsr-3870	142	37	age	age	NOUN
fsr-3870	142	38	,	,	PUNCT
fsr-3870	142	39	income	income	NOUN
fsr-3870	142	40	,	,	PUNCT
fsr-3870	142	41	education	education	NOUN
fsr-3870	142	42	,	,	PUNCT
fsr-3870	142	43	and	and	CCONJ
fsr-3870	142	44	gender	gender	NOUN
fsr-3870	142	45	.	.	PUNCT
fsr-3870	143	1	notable	notable	ADJ
fsr-3870	143	2	observations	observation	NOUN
fsr-3870	143	3	are	be	AUX
fsr-3870	143	4	(	(	PUNCT
fsr-3870	143	5	1	1	X
fsr-3870	143	6	)	)	PUNCT
fsr-3870	143	7	college	college	NOUN
fsr-3870	143	8	graduates	graduate	NOUN
fsr-3870	143	9	are	be	AUX
fsr-3870	143	10	significantly	significantly	ADV
fsr-3870	143	11	more	more	ADV
fsr-3870	143	12	likely	likely	ADJ
fsr-3870	143	13	to	to	PART
fsr-3870	143	14	believe	believe	VERB
fsr-3870	143	15	one	one	PRON
fsr-3870	143	16	can	can	AUX
fsr-3870	143	17	lose	lose	VERB
fsr-3870	143	18	money	money	NOUN
fsr-3870	143	19	in	in	ADP
fsr-3870	143	20	a	a	DET
fsr-3870	143	21	stock	stock	NOUN
fsr-3870	143	22	fund	fund	NOUN
fsr-3870	143	23	;	;	PUNCT
fsr-3870	143	24	(	(	PUNCT
fsr-3870	143	25	2	2	X
fsr-3870	143	26	)	)	PUNCT
fsr-3870	143	27	knowledge	knowledge	NOUN
fsr-3870	143	28	that	that	PRON
fsr-3870	143	29	bond	bond	NOUN
fsr-3870	143	30	funds	fund	NOUN
fsr-3870	143	31	can	can	AUX
fsr-3870	143	32	lose	lose	VERB
fsr-3870	143	33	money	money	NOUN
fsr-3870	143	34	is	be	AUX
fsr-3870	143	35	related	relate	VERB
fsr-3870	143	36	to	to	ADP
fsr-3870	143	37	age	age	NOUN
fsr-3870	143	38	(	(	PUNCT
fsr-3870	143	39	older	old	ADJ
fsr-3870	143	40	investors	investor	NOUN
fsr-3870	143	41	are	be	AUX
fsr-3870	143	42	more	more	ADV
fsr-3870	143	43	likely	likely	ADJ
fsr-3870	143	44	to	to	PART
fsr-3870	143	45	know	know	VERB
fsr-3870	143	46	)	)	PUNCT
fsr-3870	143	47	,	,	PUNCT
fsr-3870	143	48	income	income	NOUN
fsr-3870	143	49	(	(	PUNCT
fsr-3870	143	50	wealthier	wealthy	ADJ
fsr-3870	143	51	investors	investor	NOUN
fsr-3870	143	52	are	be	AUX
fsr-3870	143	53	more	more	ADV
fsr-3870	143	54	likely	likely	ADJ
fsr-3870	143	55	to	to	PART
fsr-3870	143	56	know	know	VERB
fsr-3870	143	57	)	)	PUNCT
fsr-3870	143	58	,	,	PUNCT
fsr-3870	143	59	and	and	CCONJ
fsr-3870	143	60	gender	gender	NOUN
fsr-3870	143	61	(	(	PUNCT
fsr-3870	143	62	males	male	NOUN
fsr-3870	143	63	are	be	AUX
fsr-3870	143	64	more	more	ADV
fsr-3870	143	65	likely	likely	ADJ
fsr-3870	143	66	to	to	PART
fsr-3870	143	67	know	know	VERB
fsr-3870	143	68	)	)	PUNCT
fsr-3870	143	69	;	;	PUNCT
fsr-3870	143	70	and	and	CCONJ
fsr-3870	143	71	(	(	PUNCT
fsr-3870	143	72	3	3	X
fsr-3870	143	73	)	)	PUNCT
fsr-3870	143	74	respondents	respondent	NOUN
fsr-3870	143	75	younger	young	ADJ
fsr-3870	143	76	than	than	ADP
fsr-3870	143	77	35	35	NUM
fsr-3870	143	78	are	be	AUX
fsr-3870	143	79	less	less	ADV
fsr-3870	143	80	likely	likely	ADJ
fsr-3870	143	81	to	to	PART
fsr-3870	143	82	believe	believe	VERB
fsr-3870	143	83	that	that	SCONJ
fsr-3870	143	84	one	one	PRON
fsr-3870	143	85	can	can	AUX
fsr-3870	143	86	lose	lose	VERB
fsr-3870	143	87	money	money	NOUN
fsr-3870	143	88	in	in	ADP
fsr-3870	143	89	a	a	DET
fsr-3870	143	90	money	money	NOUN
fsr-3870	143	91	market	market	NOUN
fsr-3870	143	92	fund	fund	NOUN
fsr-3870	143	93	.	.	PUNCT
fsr-3870	144	1	no	no	DET
fsr-3870	144	2	other	other	ADJ
fsr-3870	144	3	significant	significant	ADJ
fsr-3870	144	4	differences	difference	NOUN
fsr-3870	144	5	were	be	AUX
fsr-3870	144	6	observed	observe	VERB
fsr-3870	144	7	.	.	PUNCT
fsr-3870	145	1	table	table	NOUN
fsr-3870	145	2	5	5	NUM
fsr-3870	145	3	reports	report	VERB
fsr-3870	145	4	data	datum	NOUN
fsr-3870	145	5	on	on	ADP
fsr-3870	145	6	investor	investor	NOUN
fsr-3870	145	7	familiarity	familiarity	NOUN
fsr-3870	145	8	with	with	ADP
fsr-3870	145	9	mutual	mutual	ADJ
fsr-3870	145	10	fund	fund	NOUN
fsr-3870	145	11	operating	operating	NOUN
fsr-3870	145	12	expenses	expense	NOUN
fsr-3870	145	13	.	.	PUNCT
fsr-3870	146	1	the	the	DET
fsr-3870	146	2	first	first	ADJ
fsr-3870	146	3	two	two	NUM
fsr-3870	146	4	panels	panel	NOUN
fsr-3870	146	5	present	present	VERB
fsr-3870	146	6	information	information	NOUN
fsr-3870	146	7	on	on	ADP
fsr-3870	146	8	the	the	DET
fsr-3870	146	9	percentage	percentage	NOUN
fsr-3870	146	10	of	of	ADP
fsr-3870	146	11	respondents	respondent	NOUN
fsr-3870	146	12	who	who	PRON
fsr-3870	146	13	could	could	AUX
fsr-3870	146	14	provide	provide	VERB
fsr-3870	146	15	some	some	DET
fsr-3870	146	16	expense	expense	NOUN
fsr-3870	146	17	estimates	estimate	NOUN
fsr-3870	146	18	for	for	ADP
fsr-3870	146	19	their	their	PRON
fsr-3870	146	20	largest	large	ADJ
fsr-3870	146	21	mutual	mutual	ADJ
fsr-3870	146	22	fund	fund	NOUN
fsr-3870	146	23	.	.	PUNCT
fsr-3870	147	1	as	as	SCONJ
fsr-3870	147	2	shown	show	VERB
fsr-3870	147	3	in	in	ADP
fsr-3870	147	4	panel	panel	NOUN
fsr-3870	147	5	a	a	PRON
fsr-3870	147	6	,	,	PUNCT
fsr-3870	147	7	the	the	DET
fsr-3870	147	8	level	level	NOUN
fsr-3870	147	9	of	of	ADP
fsr-3870	147	10	expenses	expense	NOUN
fsr-3870	147	11	did	do	AUX
fsr-3870	147	12	not	not	PART
fsr-3870	147	13	seem	seem	VERB
fsr-3870	147	14	to	to	PART
fsr-3870	147	15	be	be	AUX
fsr-3870	147	16	an	an	DET
fsr-3870	147	17	important	important	ADJ
fsr-3870	147	18	factor	factor	NOUN
fsr-3870	147	19	in	in	ADP
fsr-3870	147	20	the	the	DET
fsr-3870	147	21	purchasing	purchase	VERB
fsr-3870	147	22	decision	decision	NOUN
fsr-3870	147	23	of	of	ADP
fsr-3870	147	24	many	many	ADJ
fsr-3870	147	25	respondents	respondent	NOUN
fsr-3870	147	26	.	.	PUNCT
fsr-3870	148	1	only	only	ADV
fsr-3870	148	2	18.9	18.9	NUM
fsr-3870	148	3	%	%	NOUN
fsr-3870	148	4	of	of	ADP
fsr-3870	148	5	the	the	DET
fsr-3870	148	6	respondents	respondent	NOUN
fsr-3870	148	7	could	could	AUX
fsr-3870	148	8	give	give	VERB
fsr-3870	148	9	an	an	DET
fsr-3870	148	10	estimate	estimate	NOUN
fsr-3870	148	11	of	of	ADP
fsr-3870	148	12	expenses	expense	NOUN
fsr-3870	148	13	for	for	ADP
fsr-3870	148	14	their	their	PRON
fsr-3870	148	15	largest	large	ADJ
fsr-3870	148	16	mutual	mutual	ADJ
fsr-3870	148	17	fund	fund	NOUN
fsr-3870	148	18	,	,	PUNCT
fsr-3870	148	19	although	although	SCONJ
fsr-3870	148	20	broker	broker	NOUN
fsr-3870	148	21	and	and	CCONJ
fsr-3870	148	22	direct	direct	ADJ
fsr-3870	148	23	purchasers	purchaser	NOUN
fsr-3870	148	24	were	be	AUX
fsr-3870	148	25	significantly	significantly	ADV
fsr-3870	148	26	more	more	ADV
fsr-3870	148	27	likely	likely	ADJ
fsr-3870	148	28	to	to	PART
fsr-3870	148	29	be	be	AUX
fsr-3870	148	30	able	able	ADJ
fsr-3870	148	31	to	to	PART
fsr-3870	148	32	do	do	VERB
fsr-3870	148	33	so	so	ADV
fsr-3870	148	34	.	.	PUNCT
fsr-3870	149	1	the	the	DET
fsr-3870	149	2	percentages	percentage	NOUN
fsr-3870	149	3	of	of	ADP
fsr-3870	149	4	respondents	respondent	NOUN
fsr-3870	149	5	who	who	PRON
fsr-3870	149	6	could	could	AUX
fsr-3870	149	7	provide	provide	VERB
fsr-3870	149	8	even	even	ADV
fsr-3870	149	9	an	an	DET
fsr-3870	149	10	approximation	approximation	NOUN
fsr-3870	149	11	of	of	ADP
fsr-3870	149	12	actual	actual	ADJ
fsr-3870	149	13	expenses	expense	NOUN
fsr-3870	149	14	table	table	NOUN
fsr-3870	149	15	5	5	NUM
fsr-3870	149	16	knowledge	knowledge	NOUN
fsr-3870	149	17	and	and	CCONJ
fsr-3870	149	18	beliefs	belief	NOUN
fsr-3870	149	19	about	about	ADP
fsr-3870	149	20	annual	annual	ADJ
fsr-3870	149	21	expenses	expense	NOUN
fsr-3870	149	22	distribution	distribution	NOUN
fsr-3870	149	23	channel	channel	NOUN
fsr-3870	149	24	used	use	VERB
fsr-3870	149	25	bank	bank	NOUN
fsr-3870	149	26	broker	broker	PROPN
fsr-3870	149	27	pension	pension	NOUN
fsr-3870	149	28	direct	direct	ADJ
fsr-3870	149	29	insurance	insurance	NOUN
fsr-3870	149	30	other	other	ADJ
fsr-3870	149	31	total	total	ADJ
fsr-3870	149	32	a.	a.	NOUN
fsr-3870	149	33	knowledge	knowledge	NOUN
fsr-3870	149	34	of	of	ADP
fsr-3870	149	35	largest	large	ADJ
fsr-3870	149	36	fund	fund	NOUN
fsr-3870	149	37	’s	’s	PART
fsr-3870	149	38	expenses	expense	NOUN
fsr-3870	149	39	yes	yes	INTJ
fsr-3870	149	40	15.3	15.3	NUM
fsr-3870	149	41	%	%	NOUN
fsr-3870	149	42	23.0	23.0	NUM
fsr-3870	149	43	%	%	NOUN
fsr-3870	149	44	*	*	NOUN
fsr-3870	149	45	19.8	19.8	NUM
fsr-3870	149	46	%	%	NOUN
fsr-3870	149	47	35.0	35.0	NUM
fsr-3870	149	48	%	%	NOUN
fsr-3870	149	49	*	*	NOUN
fsr-3870	149	50	20.7	20.7	NUM
fsr-3870	149	51	%	%	NOUN
fsr-3870	149	52	17.4	17.4	NUM
fsr-3870	149	53	%	%	NOUN
fsr-3870	149	54	18.9	18.9	NUM
fsr-3870	149	55	%	%	NOUN
fsr-3870	149	56	no	no	DET
fsr-3870	149	57	84.7	84.7	NUM
fsr-3870	149	58	77.0	77.0	NUM
fsr-3870	149	59	80.2	80.2	NUM
fsr-3870	149	60	65.0	65.0	NUM
fsr-3870	149	61	79.3	79.3	NUM
fsr-3870	149	62	82.6	82.6	NUM
fsr-3870	149	63	81.2	81.2	NUM
fsr-3870	149	64	total	total	NOUN
fsr-3870	149	65	100.0	100.0	NUM
fsr-3870	149	66	%	%	NOUN
fsr-3870	149	67	100.0	100.0	NUM
fsr-3870	149	68	%	%	NOUN
fsr-3870	149	69	100.0	100.0	NUM
fsr-3870	149	70	%	%	NOUN
fsr-3870	149	71	100.0	100.0	NUM
fsr-3870	149	72	%	%	NOUN
fsr-3870	149	73	100.0	100.0	NUM
fsr-3870	149	74	%	%	NOUN
fsr-3870	149	75	100.0	100.0	NUM
fsr-3870	149	76	%	%	NOUN
fsr-3870	149	77	100.0	100.0	NUM
fsr-3870	149	78	%	%	NOUN
fsr-3870	149	79	b.	b.	NOUN
fsr-3870	149	80	knowledge	knowledge	NOUN
fsr-3870	149	81	of	of	ADP
fsr-3870	149	82	expenses	expense	NOUN
fsr-3870	149	83	at	at	ADP
fsr-3870	149	84	time	time	NOUN
fsr-3870	149	85	of	of	ADP
fsr-3870	149	86	purchase	purchase	NOUN
fsr-3870	149	87	yes	yes	INTJ
fsr-3870	149	88	46.1	46.1	NUM
fsr-3870	149	89	%	%	NOUN
fsr-3870	149	90	49.5	49.5	NUM
fsr-3870	149	91	%	%	NOUN
fsr-3870	149	92	*	*	NOUN
fsr-3870	149	93	40.5	40.5	NUM
fsr-3870	149	94	%	%	NOUN
fsr-3870	149	95	*	*	NOUN
fsr-3870	149	96	59.7	59.7	NUM
fsr-3870	149	97	%	%	NOUN
fsr-3870	149	98	*	*	PROPN
fsr-3870	149	99	47.8	47.8	NUM
fsr-3870	149	100	%	%	NOUN
fsr-3870	149	101	*	*	NOUN
fsr-3870	150	1	28.0	28.0	NUM
fsr-3870	150	2	*	*	SYM
fsr-3870	150	3	43.0	43.0	NUM
fsr-3870	150	4	%	%	NOUN
fsr-3870	150	5	no	no	PRON
fsr-3870	150	6	53.9	53.9	NUM
fsr-3870	150	7	50.5	50.5	NUM
fsr-3870	150	8	*	*	NUM
fsr-3870	150	9	59.5	59.5	NUM
fsr-3870	150	10	*	*	SYM
fsr-3870	150	11	40.3	40.3	NUM
fsr-3870	150	12	*	*	NUM
fsr-3870	150	13	52.2	52.2	NUM
fsr-3870	150	14	*	*	NUM
fsr-3870	150	15	71.9	71.9	NUM
fsr-3870	150	16	*	*	SYM
fsr-3870	150	17	57.1	57.1	NUM
fsr-3870	150	18	total	total	NOUN
fsr-3870	150	19	100.0	100.0	NUM
fsr-3870	150	20	%	%	NOUN
fsr-3870	150	21	100.0	100.0	NUM
fsr-3870	150	22	%	%	NOUN
fsr-3870	150	23	100.0	100.0	NUM
fsr-3870	150	24	%	%	NOUN
fsr-3870	150	25	100.0	100.0	NUM
fsr-3870	150	26	%	%	NOUN
fsr-3870	150	27	100.0	100.0	NUM
fsr-3870	150	28	%	%	NOUN
fsr-3870	150	29	100.0	100.0	NUM
fsr-3870	150	30	%	%	NOUN
fsr-3870	150	31	100.0	100.0	NUM
fsr-3870	150	32	%	%	NOUN
fsr-3870	150	33	c.	c.	NOUN
fsr-3870	150	34	expected	expect	VERB
fsr-3870	150	35	performance	performance	NOUN
fsr-3870	150	36	of	of	ADP
fsr-3870	150	37	fund	fund	NOUN
fsr-3870	150	38	with	with	ADP
fsr-3870	150	39	higher	high	ADJ
fsr-3870	150	40	than	than	ADP
fsr-3870	150	41	average	average	ADJ
fsr-3870	150	42	expenses	expense	NOUN
fsr-3870	150	43	above	above	ADP
fsr-3870	150	44	average	average	ADJ
fsr-3870	150	45	23.8	23.8	NUM
fsr-3870	150	46	%	%	NOUN
fsr-3870	150	47	19.3	19.3	NUM
fsr-3870	150	48	%	%	NOUN
fsr-3870	150	49	19.7	19.7	NUM
fsr-3870	150	50	%	%	NOUN
fsr-3870	150	51	16.6	16.6	NUM
fsr-3870	150	52	%	%	NOUN
fsr-3870	150	53	22.9	22.9	NUM
fsr-3870	150	54	%	%	NOUN
fsr-3870	150	55	20.3	20.3	NUM
fsr-3870	150	56	%	%	NOUN
fsr-3870	150	57	19.9	19.9	NUM
fsr-3870	150	58	%	%	NOUN
fsr-3870	150	59	about	about	ADP
fsr-3870	150	60	average	average	ADJ
fsr-3870	150	61	66.5	66.5	NUM
fsr-3870	150	62	63.3	63.3	NUM
fsr-3870	150	63	64.4	64.4	NUM
fsr-3870	150	64	62.9	62.9	NUM
fsr-3870	150	65	63.6	63.6	NUM
fsr-3870	150	66	56.3	56.3	NUM
fsr-3870	150	67	64.4	64.4	NUM
fsr-3870	150	68	below	below	ADP
fsr-3870	150	69	average	average	ADJ
fsr-3870	150	70	9.7	9.7	NUM
fsr-3870	150	71	*	*	SYM
fsr-3870	150	72	17.4	17.4	NUM
fsr-3870	150	73	15.9	15.9	NUM
fsr-3870	150	74	20.6	20.6	NUM
fsr-3870	150	75	*	*	NUM
fsr-3870	150	76	13.5	13.5	NUM
fsr-3870	150	77	23.4	23.4	NUM
fsr-3870	150	78	15.7	15.7	NUM
fsr-3870	150	79	total	total	NOUN
fsr-3870	150	80	100.0	100.0	NUM
fsr-3870	150	81	%	%	NOUN
fsr-3870	150	82	100.0	100.0	NUM
fsr-3870	150	83	%	%	NOUN
fsr-3870	150	84	100.0	100.0	NUM
fsr-3870	150	85	%	%	NOUN
fsr-3870	150	86	100.0	100.0	NUM
fsr-3870	150	87	%	%	NOUN
fsr-3870	150	88	100.0	100.0	NUM
fsr-3870	150	89	%	%	NOUN
fsr-3870	150	90	100.0	100.0	NUM
fsr-3870	150	91	%	%	NOUN
fsr-3870	150	92	100.0	100.0	NUM
fsr-3870	150	93	%	%	NOUN
fsr-3870	150	94	d.	d.	PROPN
fsr-3870	150	95	expected	expect	VERB
fsr-3870	150	96	performance	performance	NOUN
fsr-3870	150	97	of	of	ADP
fsr-3870	150	98	fund	fund	NOUN
fsr-3870	150	99	with	with	ADP
fsr-3870	150	100	good	good	ADJ
fsr-3870	150	101	performance	performance	NOUN
fsr-3870	150	102	in	in	ADP
fsr-3870	150	103	the	the	DET
fsr-3870	150	104	previous	previous	ADJ
fsr-3870	150	105	year	year	NOUN
fsr-3870	150	106	above	above	ADP
fsr-3870	150	107	average	average	ADJ
fsr-3870	150	108	19.5	19.5	NUM
fsr-3870	150	109	%	%	NOUN
fsr-3870	150	110	24.9	24.9	NUM
fsr-3870	150	111	%	%	NOUN
fsr-3870	150	112	25.3	25.3	NUM
fsr-3870	150	113	%	%	NOUN
fsr-3870	150	114	29.8	29.8	NUM
fsr-3870	150	115	%	%	NOUN
fsr-3870	150	116	*	*	NOUN
fsr-3870	150	117	27.3	27.3	NUM
fsr-3870	150	118	23.6	23.6	NUM
fsr-3870	150	119	%	%	NOUN
fsr-3870	150	120	24.1	24.1	NUM
fsr-3870	150	121	%	%	NOUN
fsr-3870	150	122	about	about	ADP
fsr-3870	150	123	average	average	ADJ
fsr-3870	150	124	75.6	75.6	NUM
fsr-3870	150	125	68.0	68.0	NUM
fsr-3870	150	126	68.8	68.8	NUM
fsr-3870	150	127	62.2	62.2	NUM
fsr-3870	150	128	*	*	PROPN
fsr-3870	150	129	69.1	69.1	NUM
fsr-3870	150	130	69.4	69.4	NUM
fsr-3870	150	131	70.6	70.6	NUM
fsr-3870	150	132	below	below	ADP
fsr-3870	150	133	average	average	ADJ
fsr-3870	150	134	4.9	4.9	NUM
fsr-3870	150	135	7.1	7.1	NUM
fsr-3870	150	136	*	*	PUNCT
fsr-3870	150	137	5.9	5.9	NUM
fsr-3870	150	138	8.0	8.0	NUM
fsr-3870	150	139	*	*	SYM
fsr-3870	150	140	3.6	3.6	NUM
fsr-3870	150	141	6.9	6.9	NUM
fsr-3870	150	142	5.3	5.3	NUM
fsr-3870	150	143	total	total	NOUN
fsr-3870	150	144	100.0	100.0	NUM
fsr-3870	150	145	%	%	NOUN
fsr-3870	150	146	100.0	100.0	NUM
fsr-3870	150	147	%	%	NOUN
fsr-3870	150	148	100.0	100.0	NUM
fsr-3870	150	149	%	%	NOUN
fsr-3870	150	150	100.0	100.0	NUM
fsr-3870	150	151	%	%	NOUN
fsr-3870	150	152	100.0	100.0	NUM
fsr-3870	150	153	%	%	NOUN
fsr-3870	150	154	100.0	100.0	NUM
fsr-3870	150	155	%	%	NOUN
fsr-3870	150	156	100.0	100.0	NUM
fsr-3870	150	157	%	%	NOUN
fsr-3870	150	158	notes	note	NOUN
fsr-3870	150	159	:	:	PUNCT
fsr-3870	150	160	a	a	DET
fsr-3870	150	161	“	"	PUNCT
fsr-3870	150	162	*	*	NOUN
fsr-3870	150	163	”	"	PUNCT
fsr-3870	150	164	signifies	signify	VERB
fsr-3870	150	165	statistical	statistical	ADJ
fsr-3870	150	166	significance	significance	NOUN
fsr-3870	150	167	at	at	ADP
fsr-3870	150	168	the	the	DET
fsr-3870	150	169	five	five	NUM
fsr-3870	150	170	percent	percent	NOUN
fsr-3870	150	171	level	level	NOUN
fsr-3870	150	172	;	;	PUNCT
fsr-3870	150	173	a	a	DET
fsr-3870	150	174	paired	pair	VERB
fsr-3870	150	175	t	t	NOUN
fsr-3870	150	176	-	-	PUNCT
fsr-3870	150	177	test	test	NOUN
fsr-3870	150	178	was	be	AUX
fsr-3870	150	179	used	use	VERB
fsr-3870	150	180	in	in	ADP
fsr-3870	150	181	testing	test	VERB
fsr-3870	150	182	the	the	DET
fsr-3870	150	183	difference	difference	NOUN
fsr-3870	150	184	between	between	ADP
fsr-3870	150	185	stock	stock	NOUN
fsr-3870	150	186	and	and	CCONJ
fsr-3870	150	187	bond	bond	NOUN
fsr-3870	150	188	funds	fund	NOUN
fsr-3870	150	189	and	and	CCONJ
fsr-3870	150	190	between	between	ADP
fsr-3870	150	191	bond	bond	NOUN
fsr-3870	150	192	and	and	CCONJ
fsr-3870	150	193	money	money	NOUN
fsr-3870	150	194	market	market	NOUN
fsr-3870	150	195	funds	fund	NOUN
fsr-3870	150	196	.	.	PUNCT
fsr-3870	151	1	see	see	VERB
fsr-3870	151	2	notes	note	NOUN
fsr-3870	151	3	to	to	ADP
fsr-3870	151	4	table	table	NOUN
fsr-3870	151	5	1	1	NUM
fsr-3870	151	6	.	.	PUNCT
fsr-3870	152	1	309g.j	309g.j	NUM
fsr-3870	152	2	.	.	PUNCT
fsr-3870	153	1	alexander	alexander	PROPN
fsr-3870	153	2	et	et	PROPN
fsr-3870	153	3	al	al	PROPN
fsr-3870	153	4	.	.	PUNCT
fsr-3870	153	5	/	/	SYM
fsr-3870	153	6	financial	financial	ADJ
fsr-3870	153	7	services	service	NOUN
fsr-3870	153	8	review	review	VERB
fsr-3870	153	9	7	7	NUM
fsr-3870	153	10	(	(	PUNCT
fsr-3870	153	11	1998	1998	NUM
fsr-3870	153	12	)	)	PUNCT
fsr-3870	154	1	301–316	301–316	NUM
fsr-3870	154	2	were	be	AUX
fsr-3870	154	3	even	even	ADV
fsr-3870	154	4	smaller	small	ADJ
fsr-3870	154	5	.	.	PUNCT
fsr-3870	155	1	respondents	respondent	NOUN
fsr-3870	155	2	earning	earn	VERB
fsr-3870	155	3	less	less	ADJ
fsr-3870	155	4	than	than	ADP
fsr-3870	155	5	$	$	SYM
fsr-3870	155	6	75,000	75,000	NUM
fsr-3870	155	7	were	be	AUX
fsr-3870	155	8	significantly	significantly	ADV
fsr-3870	155	9	less	less	ADV
fsr-3870	155	10	likely	likely	ADJ
fsr-3870	155	11	to	to	PART
fsr-3870	155	12	provide	provide	VERB
fsr-3870	155	13	an	an	DET
fsr-3870	155	14	expense	expense	NOUN
fsr-3870	155	15	estimate	estimate	NOUN
fsr-3870	155	16	.	.	PUNCT
fsr-3870	156	1	males	male	NOUN
fsr-3870	156	2	and	and	CCONJ
fsr-3870	156	3	college	college	NOUN
fsr-3870	156	4	graduates	graduate	NOUN
fsr-3870	156	5	were	be	AUX
fsr-3870	156	6	significantly	significantly	ADV
fsr-3870	156	7	more	more	ADV
fsr-3870	156	8	likely	likely	ADJ
fsr-3870	156	9	to	to	PART
fsr-3870	156	10	provide	provide	VERB
fsr-3870	156	11	an	an	DET
fsr-3870	156	12	expense	expense	NOUN
fsr-3870	156	13	estimate	estimate	NOUN
fsr-3870	156	14	.	.	PUNCT
fsr-3870	157	1	respondents	respondent	NOUN
fsr-3870	157	2	who	who	PRON
fsr-3870	157	3	could	could	AUX
fsr-3870	157	4	not	not	PART
fsr-3870	157	5	provide	provide	VERB
fsr-3870	157	6	an	an	DET
fsr-3870	157	7	expense	expense	NOUN
fsr-3870	157	8	estimate	estimate	NOUN
fsr-3870	157	9	for	for	ADP
fsr-3870	157	10	their	their	PRON
fsr-3870	157	11	largest	large	ADJ
fsr-3870	157	12	fund	fund	NOUN
fsr-3870	157	13	were	be	AUX
fsr-3870	157	14	asked	ask	VERB
fsr-3870	157	15	if	if	SCONJ
fsr-3870	157	16	they	they	PRON
fsr-3870	157	17	knew	know	VERB
fsr-3870	157	18	of	of	ADP
fsr-3870	157	19	their	their	PRON
fsr-3870	157	20	largest	large	ADJ
fsr-3870	157	21	funds	fund	NOUN
fsr-3870	157	22	’	'	PUNCT
fsr-3870	157	23	expenses	expense	NOUN
fsr-3870	157	24	at	at	ADP
fsr-3870	157	25	the	the	DET
fsr-3870	157	26	time	time	NOUN
fsr-3870	157	27	of	of	ADP
fsr-3870	157	28	purchase	purchase	NOUN
fsr-3870	157	29	.	.	PUNCT
fsr-3870	158	1	panel	panel	NOUN
fsr-3870	158	2	b	b	PROPN
fsr-3870	158	3	of	of	ADP
fsr-3870	158	4	table	table	NOUN
fsr-3870	158	5	5	5	NUM
fsr-3870	158	6	reports	report	NOUN
fsr-3870	158	7	that	that	SCONJ
fsr-3870	158	8	only	only	ADV
fsr-3870	158	9	43.0	43.0	NUM
fsr-3870	158	10	%	%	NOUN
fsr-3870	158	11	of	of	ADP
fsr-3870	158	12	the	the	DET
fsr-3870	158	13	respondents	respondent	NOUN
fsr-3870	158	14	claimed	claim	VERB
fsr-3870	158	15	to	to	PART
fsr-3870	158	16	have	have	AUX
fsr-3870	158	17	known	know	VERB
fsr-3870	158	18	any	any	PRON
fsr-3870	158	19	of	of	ADP
fsr-3870	158	20	their	their	PRON
fsr-3870	158	21	largest	large	ADJ
fsr-3870	158	22	fund	fund	NOUN
fsr-3870	158	23	’s	’s	PART
fsr-3870	158	24	expenses	expense	NOUN
fsr-3870	158	25	at	at	ADP
fsr-3870	158	26	the	the	DET
fsr-3870	158	27	time	time	NOUN
fsr-3870	158	28	they	they	PRON
fsr-3870	158	29	first	first	ADV
fsr-3870	158	30	invested	invest	VERB
fsr-3870	158	31	in	in	ADP
fsr-3870	158	32	the	the	DET
fsr-3870	158	33	fund	fund	NOUN
fsr-3870	158	34	.	.	PUNCT
fsr-3870	159	1	broker	broker	PROPN
fsr-3870	159	2	,	,	PUNCT
fsr-3870	159	3	direct	direct	ADJ
fsr-3870	159	4	,	,	PUNCT
fsr-3870	159	5	and	and	CCONJ
fsr-3870	159	6	insurance	insurance	NOUN
fsr-3870	159	7	company	company	NOUN
fsr-3870	159	8	purchasers	purchaser	NOUN
fsr-3870	159	9	were	be	AUX
fsr-3870	159	10	significantly	significantly	ADV
fsr-3870	159	11	more	more	ADV
fsr-3870	159	12	likely	likely	ADJ
fsr-3870	159	13	to	to	PART
fsr-3870	159	14	have	have	AUX
fsr-3870	159	15	claimed	claim	VERB
fsr-3870	159	16	to	to	PART
fsr-3870	159	17	have	have	AUX
fsr-3870	159	18	known	know	VERB
fsr-3870	159	19	the	the	DET
fsr-3870	159	20	annual	annual	ADJ
fsr-3870	159	21	expenses	expense	NOUN
fsr-3870	159	22	of	of	ADP
fsr-3870	159	23	their	their	PRON
fsr-3870	159	24	funds	fund	NOUN
fsr-3870	159	25	at	at	ADP
fsr-3870	159	26	the	the	DET
fsr-3870	159	27	time	time	NOUN
fsr-3870	159	28	of	of	ADP
fsr-3870	159	29	initial	initial	ADJ
fsr-3870	159	30	purchase	purchase	NOUN
fsr-3870	159	31	.	.	PUNCT
fsr-3870	160	1	college	college	NOUN
fsr-3870	160	2	graduates	graduate	NOUN
fsr-3870	160	3	and	and	CCONJ
fsr-3870	160	4	males	male	NOUN
fsr-3870	160	5	were	be	AUX
fsr-3870	160	6	significantly	significantly	ADV
fsr-3870	160	7	more	more	ADV
fsr-3870	160	8	likely	likely	ADJ
fsr-3870	160	9	to	to	PART
fsr-3870	160	10	have	have	AUX
fsr-3870	160	11	responded	respond	VERB
fsr-3870	160	12	that	that	SCONJ
fsr-3870	160	13	they	they	PRON
fsr-3870	160	14	knew	know	VERB
fsr-3870	160	15	the	the	DET
fsr-3870	160	16	funds	fund	NOUN
fsr-3870	160	17	expenses	expense	NOUN
fsr-3870	160	18	.	.	PUNCT
fsr-3870	161	1	pension	pension	NOUN
fsr-3870	161	2	plan	plan	NOUN
fsr-3870	161	3	purchasers	purchaser	NOUN
fsr-3870	161	4	,	,	PUNCT
fsr-3870	161	5	in	in	ADP
fsr-3870	161	6	contrast	contrast	NOUN
fsr-3870	161	7	,	,	PUNCT
fsr-3870	161	8	were	be	AUX
fsr-3870	161	9	significantly	significantly	ADV
fsr-3870	161	10	less	less	ADV
fsr-3870	161	11	likely	likely	ADJ
fsr-3870	161	12	to	to	PART
fsr-3870	161	13	have	have	AUX
fsr-3870	161	14	known	know	VERB
fsr-3870	161	15	their	their	PRON
fsr-3870	161	16	funds	fund	NOUN
fsr-3870	161	17	’	'	PUNCT
fsr-3870	161	18	annual	annual	ADJ
fsr-3870	161	19	expenses	expense	NOUN
fsr-3870	161	20	.	.	PUNCT
fsr-3870	162	1	annual	annual	ADJ
fsr-3870	162	2	expenses	expense	NOUN
fsr-3870	162	3	of	of	ADP
fsr-3870	162	4	funds	fund	NOUN
fsr-3870	162	5	may	may	AUX
fsr-3870	162	6	be	be	AUX
fsr-3870	162	7	of	of	ADP
fsr-3870	162	8	less	less	ADJ
fsr-3870	162	9	significance	significance	NOUN
fsr-3870	162	10	to	to	ADP
fsr-3870	162	11	mutual	mutual	ADJ
fsr-3870	162	12	fund	fund	NOUN
fsr-3870	162	13	shareholders	shareholder	NOUN
fsr-3870	162	14	who	who	PRON
fsr-3870	162	15	purchase	purchase	VERB
fsr-3870	162	16	their	their	PRON
fsr-3870	162	17	shares	share	NOUN
fsr-3870	162	18	through	through	ADP
fsr-3870	162	19	employee	employee	NOUN
fsr-3870	162	20	pension	pension	NOUN
fsr-3870	162	21	plans	plan	NOUN
fsr-3870	162	22	,	,	PUNCT
fsr-3870	162	23	however	however	ADV
fsr-3870	162	24	,	,	PUNCT
fsr-3870	162	25	as	as	SCONJ
fsr-3870	162	26	a	a	DET
fsr-3870	162	27	participant	participant	NOUN
fsr-3870	162	28	in	in	ADP
fsr-3870	162	29	a	a	DET
fsr-3870	162	30	typical	typical	ADJ
fsr-3870	162	31	defined	define	VERB
fsr-3870	162	32	contribution	contribution	NOUN
fsr-3870	162	33	plan	plan	NOUN
fsr-3870	162	34	is	be	AUX
fsr-3870	162	35	presented	present	VERB
fsr-3870	162	36	with	with	ADP
fsr-3870	162	37	a	a	DET
fsr-3870	162	38	choice	choice	NOUN
fsr-3870	162	39	of	of	ADP
fsr-3870	162	40	different	different	ADJ
fsr-3870	162	41	funds	fund	NOUN
fsr-3870	162	42	with	with	ADP
fsr-3870	162	43	different	different	ADJ
fsr-3870	162	44	investment	investment	NOUN
fsr-3870	162	45	objectives	objective	NOUN
fsr-3870	162	46	.	.	PUNCT
fsr-3870	163	1	although	although	SCONJ
fsr-3870	163	2	the	the	DET
fsr-3870	163	3	choice	choice	NOUN
fsr-3870	163	4	of	of	ADP
fsr-3870	163	5	funds	fund	NOUN
fsr-3870	163	6	is	be	AUX
fsr-3870	163	7	typically	typically	ADV
fsr-3870	163	8	designed	design	VERB
fsr-3870	163	9	to	to	PART
fsr-3870	163	10	allow	allow	VERB
fsr-3870	163	11	the	the	DET
fsr-3870	163	12	employee	employee	NOUN
fsr-3870	163	13	to	to	PART
fsr-3870	163	14	allocate	allocate	VERB
fsr-3870	163	15	assets	asset	NOUN
fsr-3870	163	16	among	among	ADP
fsr-3870	163	17	broad	broad	ADJ
fsr-3870	163	18	categories	category	NOUN
fsr-3870	163	19	of	of	ADP
fsr-3870	163	20	investments	investment	NOUN
fsr-3870	163	21	(	(	PUNCT
fsr-3870	163	22	e.g.	e.g.	ADV
fsr-3870	163	23	,	,	PUNCT
fsr-3870	163	24	stocks	stock	NOUN
fsr-3870	163	25	,	,	PUNCT
fsr-3870	163	26	bonds	bond	NOUN
fsr-3870	163	27	,	,	PUNCT
fsr-3870	163	28	or	or	CCONJ
fsr-3870	163	29	money	money	NOUN
fsr-3870	163	30	market	market	NOUN
fsr-3870	163	31	investments	investment	NOUN
fsr-3870	163	32	)	)	PUNCT
fsr-3870	163	33	,	,	PUNCT
fsr-3870	163	34	the	the	DET
fsr-3870	163	35	employee	employee	NOUN
fsr-3870	163	36	is	be	AUX
fsr-3870	163	37	usually	usually	ADV
fsr-3870	163	38	not	not	PART
fsr-3870	163	39	presented	present	VERB
fsr-3870	163	40	with	with	ADP
fsr-3870	163	41	a	a	DET
fsr-3870	163	42	choice	choice	NOUN
fsr-3870	163	43	of	of	ADP
fsr-3870	163	44	different	different	ADJ
fsr-3870	163	45	funds	fund	NOUN
fsr-3870	163	46	with	with	ADP
fsr-3870	163	47	the	the	DET
fsr-3870	163	48	same	same	ADJ
fsr-3870	163	49	investment	investment	NOUN
fsr-3870	163	50	objective	objective	NOUN
fsr-3870	163	51	.	.	PUNCT
fsr-3870	164	1	as	as	ADP
fsr-3870	164	2	a	a	DET
fsr-3870	164	3	result	result	NOUN
fsr-3870	164	4	,	,	PUNCT
fsr-3870	164	5	the	the	DET
fsr-3870	164	6	cost	cost	NOUN
fsr-3870	164	7	of	of	ADP
fsr-3870	164	8	holding	hold	VERB
fsr-3870	164	9	a	a	DET
fsr-3870	164	10	particular	particular	ADJ
fsr-3870	164	11	fund	fund	NOUN
fsr-3870	164	12	would	would	AUX
fsr-3870	164	13	appear	appear	VERB
fsr-3870	164	14	to	to	PART
fsr-3870	164	15	be	be	AUX
fsr-3870	164	16	of	of	ADP
fsr-3870	164	17	lesser	less	ADJ
fsr-3870	164	18	importance	importance	NOUN
fsr-3870	164	19	to	to	ADP
fsr-3870	164	20	an	an	DET
fsr-3870	164	21	employee	employee	NOUN
fsr-3870	164	22	who	who	PRON
fsr-3870	164	23	purchases	purchase	VERB
fsr-3870	164	24	fund	fund	NOUN
fsr-3870	164	25	shares	share	NOUN
fsr-3870	164	26	through	through	ADP
fsr-3870	164	27	an	an	DET
fsr-3870	164	28	employee	employee	NOUN
fsr-3870	164	29	pension	pension	NOUN
fsr-3870	164	30	plan	plan	NOUN
fsr-3870	164	31	than	than	ADP
fsr-3870	164	32	to	to	ADP
fsr-3870	164	33	an	an	DET
fsr-3870	164	34	investor	investor	NOUN
fsr-3870	164	35	who	who	PRON
fsr-3870	164	36	purchases	purchase	VERB
fsr-3870	164	37	funds	fund	NOUN
fsr-3870	164	38	through	through	ADP
fsr-3870	164	39	other	other	ADJ
fsr-3870	164	40	distribution	distribution	NOUN
fsr-3870	164	41	channels	channel	NOUN
fsr-3870	164	42	.	.	PUNCT
fsr-3870	165	1	panel	panel	NOUN
fsr-3870	165	2	c	c	PROPN
fsr-3870	165	3	of	of	ADP
fsr-3870	165	4	table	table	NOUN
fsr-3870	165	5	5	5	NUM
fsr-3870	165	6	reports	report	VERB
fsr-3870	165	7	investors	investor	NOUN
fsr-3870	165	8	’	'	PUNCT
fsr-3870	165	9	beliefs	belief	NOUN
fsr-3870	165	10	about	about	ADP
fsr-3870	165	11	the	the	DET
fsr-3870	165	12	relationship	relationship	NOUN
fsr-3870	165	13	between	between	ADP
fsr-3870	165	14	expenses	expense	NOUN
fsr-3870	165	15	and	and	CCONJ
fsr-3870	165	16	mutual	mutual	ADJ
fsr-3870	165	17	fund	fund	NOUN
fsr-3870	165	18	performance	performance	NOUN
fsr-3870	165	19	.	.	PUNCT
fsr-3870	166	1	in	in	ADP
fsr-3870	166	2	general	general	ADJ
fsr-3870	166	3	,	,	PUNCT
fsr-3870	166	4	there	there	PRON
fsr-3870	166	5	is	be	VERB
fsr-3870	166	6	an	an	DET
fsr-3870	166	7	inverse	inverse	NOUN
fsr-3870	166	8	relationship	relationship	NOUN
fsr-3870	166	9	between	between	ADP
fsr-3870	166	10	fund	fund	NOUN
fsr-3870	166	11	performance	performance	NOUN
fsr-3870	166	12	and	and	CCONJ
fsr-3870	166	13	expenses	expense	NOUN
fsr-3870	166	14	,	,	PUNCT
fsr-3870	166	15	particularly	particularly	ADV
fsr-3870	166	16	for	for	ADP
fsr-3870	166	17	bond	bond	NOUN
fsr-3870	166	18	and	and	CCONJ
fsr-3870	166	19	money	money	NOUN
fsr-3870	166	20	funds	fund	NOUN
fsr-3870	166	21	(	(	PUNCT
fsr-3870	166	22	see	see	VERB
fsr-3870	166	23	blake	blake	PROPN
fsr-3870	166	24	et	et	PROPN
fsr-3870	166	25	al	al	PROPN
fsr-3870	166	26	.	.	PROPN
fsr-3870	166	27	,	,	PUNCT
fsr-3870	166	28	1993	1993	NUM
fsr-3870	166	29	;	;	PUNCT
fsr-3870	166	30	carhart	carhart	NOUN
fsr-3870	166	31	,	,	PUNCT
fsr-3870	166	32	1997	1997	NUM
fsr-3870	166	33	;	;	PUNCT
fsr-3870	166	34	elton	elton	PROPN
fsr-3870	166	35	et	et	PROPN
fsr-3870	166	36	al	al	PROPN
fsr-3870	166	37	.	.	PROPN
fsr-3870	166	38	,	,	PUNCT
fsr-3870	166	39	1996	1996	NUM
fsr-3870	166	40	)	)	PUNCT
fsr-3870	166	41	.	.	PUNCT
fsr-3870	167	1	about	about	ADV
fsr-3870	167	2	20	20	NUM
fsr-3870	167	3	%	%	NOUN
fsr-3870	167	4	of	of	ADP
fsr-3870	167	5	the	the	DET
fsr-3870	167	6	survey	survey	NOUN
fsr-3870	167	7	respondents	respondent	NOUN
fsr-3870	167	8	believed	believe	VERB
fsr-3870	167	9	that	that	SCONJ
fsr-3870	167	10	mutual	mutual	ADJ
fsr-3870	167	11	funds	fund	NOUN
fsr-3870	167	12	with	with	ADP
fsr-3870	167	13	higher	high	ADJ
fsr-3870	167	14	expenses	expense	NOUN
fsr-3870	167	15	produced	produce	VERB
fsr-3870	167	16	better	well	ADJ
fsr-3870	167	17	results	result	NOUN
fsr-3870	167	18	,	,	PUNCT
fsr-3870	167	19	while	while	SCONJ
fsr-3870	167	20	64	64	NUM
fsr-3870	167	21	%	%	NOUN
fsr-3870	167	22	believed	believe	VERB
fsr-3870	167	23	that	that	SCONJ
fsr-3870	167	24	funds	fund	NOUN
fsr-3870	167	25	with	with	ADP
fsr-3870	167	26	higher	high	ADJ
fsr-3870	167	27	expenses	expense	NOUN
fsr-3870	167	28	produced	produce	VERB
fsr-3870	167	29	average	average	ADJ
fsr-3870	167	30	results	result	NOUN
fsr-3870	167	31	.	.	PUNCT
fsr-3870	168	1	only	only	ADV
fsr-3870	168	2	16	16	NUM
fsr-3870	168	3	%	%	NOUN
fsr-3870	168	4	of	of	ADP
fsr-3870	168	5	the	the	DET
fsr-3870	168	6	survey	survey	NOUN
fsr-3870	168	7	respondents	respondent	NOUN
fsr-3870	168	8	believed	believe	VERB
fsr-3870	168	9	that	that	SCONJ
fsr-3870	168	10	higher	high	ADJ
fsr-3870	168	11	expenses	expense	NOUN
fsr-3870	168	12	led	lead	VERB
fsr-3870	168	13	to	to	PART
fsr-3870	168	14	lower	low	ADJ
fsr-3870	168	15	than	than	ADP
fsr-3870	168	16	average	average	ADJ
fsr-3870	168	17	returns	return	NOUN
fsr-3870	168	18	.	.	PUNCT
fsr-3870	169	1	bank	bank	NOUN
fsr-3870	169	2	customers	customer	NOUN
fsr-3870	169	3	were	be	AUX
fsr-3870	169	4	significantly	significantly	ADV
fsr-3870	169	5	less	less	ADV
fsr-3870	169	6	likely	likely	ADJ
fsr-3870	169	7	than	than	SCONJ
fsr-3870	169	8	non	non	ADJ
fsr-3870	169	9	-	-	ADJ
fsr-3870	169	10	bank	bank	ADJ
fsr-3870	169	11	customers	customer	NOUN
fsr-3870	169	12	to	to	PART
fsr-3870	169	13	expect	expect	VERB
fsr-3870	169	14	an	an	DET
fsr-3870	169	15	inverse	inverse	NOUN
fsr-3870	169	16	relationship	relationship	NOUN
fsr-3870	169	17	,	,	PUNCT
fsr-3870	169	18	while	while	SCONJ
fsr-3870	169	19	direct	direct	ADJ
fsr-3870	169	20	fund	fund	NOUN
fsr-3870	169	21	purchasers	purchaser	NOUN
fsr-3870	169	22	were	be	AUX
fsr-3870	169	23	significantly	significantly	ADV
fsr-3870	169	24	more	more	ADV
fsr-3870	169	25	likely	likely	ADJ
fsr-3870	169	26	to	to	PART
fsr-3870	169	27	expect	expect	VERB
fsr-3870	169	28	an	an	DET
fsr-3870	169	29	inverse	inverse	NOUN
fsr-3870	169	30	relationship	relationship	NOUN
fsr-3870	169	31	.	.	PUNCT
fsr-3870	170	1	the	the	DET
fsr-3870	170	2	relationship	relationship	NOUN
fsr-3870	170	3	between	between	ADP
fsr-3870	170	4	performance	performance	NOUN
fsr-3870	170	5	and	and	CCONJ
fsr-3870	170	6	expenses	expense	NOUN
fsr-3870	170	7	was	be	AUX
fsr-3870	170	8	also	also	ADV
fsr-3870	170	9	examined	examine	VERB
fsr-3870	170	10	by	by	ADP
fsr-3870	170	11	the	the	DET
fsr-3870	170	12	respondents	respondent	NOUN
fsr-3870	170	13	’	’	PART
fsr-3870	170	14	largest	large	ADJ
fsr-3870	170	15	fund	fund	NOUN
fsr-3870	170	16	type	type	NOUN
fsr-3870	170	17	.	.	PUNCT
fsr-3870	171	1	the	the	DET
fsr-3870	171	2	only	only	ADJ
fsr-3870	171	3	statistically	statistically	ADV
fsr-3870	171	4	significant	significant	ADJ
fsr-3870	171	5	difference	difference	NOUN
fsr-3870	171	6	involved	involve	VERB
fsr-3870	171	7	respondents	respondent	NOUN
fsr-3870	171	8	who	who	PRON
fsr-3870	171	9	named	name	VERB
fsr-3870	171	10	money	money	NOUN
fsr-3870	171	11	market	market	NOUN
fsr-3870	171	12	mutual	mutual	ADJ
fsr-3870	171	13	funds	fund	NOUN
fsr-3870	171	14	as	as	ADP
fsr-3870	171	15	their	their	PRON
fsr-3870	171	16	largest	large	ADJ
fsr-3870	171	17	type	type	NOUN
fsr-3870	171	18	.	.	PUNCT
fsr-3870	172	1	these	these	DET
fsr-3870	172	2	respondents	respondent	NOUN
fsr-3870	172	3	were	be	AUX
fsr-3870	172	4	significantly	significantly	ADV
fsr-3870	172	5	less	less	ADV
fsr-3870	172	6	likely	likely	ADJ
fsr-3870	172	7	to	to	PART
fsr-3870	172	8	believe	believe	VERB
fsr-3870	172	9	that	that	SCONJ
fsr-3870	172	10	higher	high	ADJ
fsr-3870	172	11	expenses	expense	NOUN
fsr-3870	172	12	led	lead	VERB
fsr-3870	172	13	to	to	PART
fsr-3870	172	14	lower	low	ADJ
fsr-3870	172	15	than	than	ADP
fsr-3870	172	16	average	average	ADJ
fsr-3870	172	17	returns	return	NOUN
fsr-3870	172	18	.	.	PUNCT
fsr-3870	173	1	panel	panel	NOUN
fsr-3870	173	2	d	d	PROPN
fsr-3870	173	3	of	of	ADP
fsr-3870	173	4	table	table	NOUN
fsr-3870	173	5	5	5	NUM
fsr-3870	173	6	reports	report	VERB
fsr-3870	173	7	investor	investor	NOUN
fsr-3870	173	8	perceptions	perception	NOUN
fsr-3870	173	9	about	about	ADP
fsr-3870	173	10	the	the	DET
fsr-3870	173	11	year	year	NOUN
fsr-3870	173	12	-	-	PUNCT
fsr-3870	173	13	to	to	ADP
fsr-3870	173	14	-	-	PUNCT
fsr-3870	173	15	year	year	NOUN
fsr-3870	173	16	performance	performance	NOUN
fsr-3870	173	17	of	of	ADP
fsr-3870	173	18	mutual	mutual	ADJ
fsr-3870	173	19	funds	fund	NOUN
fsr-3870	173	20	.	.	PUNCT
fsr-3870	174	1	mutual	mutual	ADJ
fsr-3870	174	2	funds	fund	NOUN
fsr-3870	174	3	must	must	AUX
fsr-3870	174	4	present	present	VERB
fsr-3870	174	5	historical	historical	ADJ
fsr-3870	174	6	fund	fund	NOUN
fsr-3870	174	7	returns	return	NOUN
fsr-3870	174	8	over	over	ADP
fsr-3870	174	9	the	the	DET
fsr-3870	174	10	past	past	ADJ
fsr-3870	174	11	ten	ten	NUM
fsr-3870	174	12	years	year	NOUN
fsr-3870	174	13	in	in	ADP
fsr-3870	174	14	the	the	DET
fsr-3870	174	15	prospectus	prospectus	NOUN
fsr-3870	174	16	which	which	PRON
fsr-3870	174	17	,	,	PUNCT
fsr-3870	174	18	in	in	ADP
fsr-3870	174	19	turn	turn	NOUN
fsr-3870	174	20	,	,	PUNCT
fsr-3870	174	21	must	must	AUX
fsr-3870	174	22	be	be	AUX
fsr-3870	174	23	presented	present	VERB
fsr-3870	174	24	to	to	ADP
fsr-3870	174	25	investors	investor	NOUN
fsr-3870	174	26	before	before	SCONJ
fsr-3870	174	27	they	they	PRON
fsr-3870	174	28	make	make	VERB
fsr-3870	174	29	their	their	PRON
fsr-3870	174	30	purchase	purchase	NOUN
fsr-3870	174	31	decision	decision	NOUN
fsr-3870	174	32	.	.	PUNCT
fsr-3870	175	1	although	although	SCONJ
fsr-3870	175	2	many	many	ADJ
fsr-3870	175	3	investors	investor	NOUN
fsr-3870	175	4	tend	tend	VERB
fsr-3870	175	5	to	to	PART
fsr-3870	175	6	choose	choose	VERB
fsr-3870	175	7	mutual	mutual	ADJ
fsr-3870	175	8	funds	fund	NOUN
fsr-3870	175	9	largely	largely	ADV
fsr-3870	175	10	on	on	ADP
fsr-3870	175	11	the	the	DET
fsr-3870	175	12	basis	basis	NOUN
fsr-3870	175	13	of	of	ADP
fsr-3870	175	14	past	past	ADJ
fsr-3870	175	15	performance	performance	NOUN
fsr-3870	175	16	,	,	PUNCT
fsr-3870	175	17	empirical	empirical	ADJ
fsr-3870	175	18	evidence	evidence	NOUN
fsr-3870	175	19	on	on	ADP
fsr-3870	175	20	the	the	DET
fsr-3870	175	21	historical	historical	ADJ
fsr-3870	175	22	relationship	relationship	NOUN
fsr-3870	175	23	between	between	ADP
fsr-3870	175	24	returns	return	NOUN
fsr-3870	175	25	in	in	ADP
fsr-3870	175	26	successive	successive	ADJ
fsr-3870	175	27	years	year	NOUN
fsr-3870	175	28	suggests	suggest	VERB
fsr-3870	175	29	there	there	PRON
fsr-3870	175	30	is	be	VERB
fsr-3870	175	31	either	either	CCONJ
fsr-3870	175	32	a	a	DET
fsr-3870	175	33	slightly	slightly	ADV
fsr-3870	175	34	positive	positive	ADJ
fsr-3870	175	35	relationship	relationship	NOUN
fsr-3870	175	36	or	or	CCONJ
fsr-3870	175	37	none	none	NOUN
fsr-3870	175	38	at	at	ADV
fsr-3870	175	39	all	all	ADV
fsr-3870	175	40	,	,	PUNCT
fsr-3870	175	41	depending	depend	VERB
fsr-3870	175	42	on	on	ADP
fsr-3870	175	43	the	the	DET
fsr-3870	175	44	time	time	NOUN
fsr-3870	175	45	period	period	NOUN
fsr-3870	175	46	,	,	PUNCT
fsr-3870	175	47	sample	sample	NOUN
fsr-3870	175	48	,	,	PUNCT
fsr-3870	175	49	and	and	CCONJ
fsr-3870	175	50	methodology	methodology	NOUN
fsr-3870	175	51	utilized	utilize	VERB
fsr-3870	175	52	(	(	PUNCT
fsr-3870	175	53	see	see	VERB
fsr-3870	175	54	blake	blake	PROPN
fsr-3870	175	55	et	et	PROPN
fsr-3870	175	56	al	al	PROPN
fsr-3870	175	57	.	.	PROPN
fsr-3870	175	58	1993	1993	NUM
fsr-3870	175	59	;	;	PUNCT
fsr-3870	175	60	bogle	bogle	PROPN
fsr-3870	175	61	,	,	PUNCT
fsr-3870	175	62	1992	1992	NUM
fsr-3870	175	63	,	,	PUNCT
fsr-3870	175	64	1994	1994	NUM
fsr-3870	175	65	;	;	PUNCT
fsr-3870	175	66	brown	brown	PROPN
fsr-3870	175	67	&	&	CCONJ
fsr-3870	175	68	goetzmann	goetzmann	PROPN
fsr-3870	175	69	,	,	PUNCT
fsr-3870	175	70	1995	1995	NUM
fsr-3870	175	71	;	;	PUNCT
fsr-3870	175	72	brown	brown	PROPN
fsr-3870	175	73	et	et	PROPN
fsr-3870	175	74	al	al	PROPN
fsr-3870	175	75	.	.	PROPN
fsr-3870	175	76	,	,	PUNCT
fsr-3870	175	77	1992	1992	NUM
fsr-3870	175	78	;	;	PUNCT
fsr-3870	175	79	carhart	carhart	NOUN
fsr-3870	175	80	,	,	PUNCT
fsr-3870	175	81	1997	1997	NUM
fsr-3870	175	82	;	;	PUNCT
fsr-3870	175	83	elton	elton	PROPN
fsr-3870	175	84	et	et	PROPN
fsr-3870	175	85	al	al	PROPN
fsr-3870	175	86	.	.	PROPN
fsr-3870	175	87	,	,	PUNCT
fsr-3870	175	88	1996	1996	NUM
fsr-3870	175	89	;	;	PUNCT
fsr-3870	175	90	goetzmann	goetzmann	PROPN
fsr-3870	175	91	&	&	CCONJ
fsr-3870	175	92	ibbotson	ibbotson	PROPN
fsr-3870	175	93	,	,	PUNCT
fsr-3870	175	94	1994	1994	NUM
fsr-3870	175	95	;	;	PUNCT
fsr-3870	175	96	hendricks	hendrick	NOUN
fsr-3870	175	97	et	et	PROPN
fsr-3870	175	98	al	al	PROPN
fsr-3870	175	99	.	.	PROPN
fsr-3870	175	100	,	,	PUNCT
fsr-3870	175	101	1993	1993	NUM
fsr-3870	175	102	;	;	PUNCT
fsr-3870	175	103	kahn	kahn	PROPN
fsr-3870	175	104	&	&	CCONJ
fsr-3870	175	105	rudd	rudd	PROPN
fsr-3870	175	106	,	,	PUNCT
fsr-3870	175	107	1995	1995	NUM
fsr-3870	175	108	;	;	PUNCT
fsr-3870	175	109	malkiel	malkiel	PROPN
fsr-3870	175	110	,	,	PUNCT
fsr-3870	175	111	1995	1995	NUM
fsr-3870	175	112	)	)	PUNCT
fsr-3870	175	113	.	.	PUNCT
fsr-3870	176	1	approximately	approximately	ADV
fsr-3870	176	2	24	24	NUM
fsr-3870	176	3	%	%	NOUN
fsr-3870	176	4	of	of	ADP
fsr-3870	176	5	the	the	DET
fsr-3870	176	6	respondents	respondent	NOUN
fsr-3870	176	7	believe	believe	VERB
fsr-3870	176	8	that	that	SCONJ
fsr-3870	176	9	a	a	DET
fsr-3870	176	10	fund	fund	NOUN
fsr-3870	176	11	that	that	PRON
fsr-3870	176	12	has	have	AUX
fsr-3870	176	13	performed	perform	VERB
fsr-3870	176	14	well	well	ADV
fsr-3870	176	15	last	last	ADJ
fsr-3870	176	16	310	310	NUM
fsr-3870	176	17	g.j	g.j	PROPN
fsr-3870	176	18	.	.	PROPN
fsr-3870	176	19	alexander	alexander	PROPN
fsr-3870	176	20	et	et	PROPN
fsr-3870	176	21	al	al	PROPN
fsr-3870	176	22	.	.	PUNCT
fsr-3870	176	23	/	/	SYM
fsr-3870	176	24	financial	financial	ADJ
fsr-3870	176	25	services	service	NOUN
fsr-3870	176	26	review	review	VERB
fsr-3870	176	27	7	7	NUM
fsr-3870	176	28	(	(	PUNCT
fsr-3870	176	29	1998	1998	NUM
fsr-3870	176	30	)	)	PUNCT
fsr-3870	177	1	301–316	301–316	NUM
fsr-3870	177	2	year	year	NOUN
fsr-3870	177	3	will	will	AUX
fsr-3870	177	4	have	have	VERB
fsr-3870	177	5	an	an	DET
fsr-3870	177	6	above	above	ADJ
fsr-3870	177	7	average	average	ADJ
fsr-3870	177	8	return	return	NOUN
fsr-3870	177	9	this	this	DET
fsr-3870	177	10	year	year	NOUN
fsr-3870	177	11	;	;	PUNCT
fsr-3870	177	12	71	71	NUM
fsr-3870	177	13	%	%	NOUN
fsr-3870	177	14	believe	believe	VERB
fsr-3870	177	15	the	the	DET
fsr-3870	177	16	fund	fund	NOUN
fsr-3870	177	17	will	will	AUX
fsr-3870	177	18	have	have	VERB
fsr-3870	177	19	an	an	DET
fsr-3870	177	20	average	average	ADJ
fsr-3870	177	21	return	return	NOUN
fsr-3870	177	22	;	;	PUNCT
fsr-3870	177	23	and	and	CCONJ
fsr-3870	177	24	5	5	NUM
fsr-3870	177	25	%	%	NOUN
fsr-3870	177	26	believe	believe	VERB
fsr-3870	177	27	the	the	DET
fsr-3870	177	28	fund	fund	NOUN
fsr-3870	177	29	will	will	AUX
fsr-3870	177	30	have	have	VERB
fsr-3870	177	31	a	a	DET
fsr-3870	177	32	below	below	ADJ
fsr-3870	177	33	average	average	ADJ
fsr-3870	177	34	return	return	NOUN
fsr-3870	177	35	.	.	PUNCT
fsr-3870	178	1	direct	direct	ADJ
fsr-3870	178	2	purchasers	purchaser	NOUN
fsr-3870	178	3	are	be	AUX
fsr-3870	178	4	significantly	significantly	ADV
fsr-3870	178	5	more	more	ADV
fsr-3870	178	6	likely	likely	ADJ
fsr-3870	178	7	than	than	ADP
fsr-3870	178	8	non	non	ADJ
fsr-3870	178	9	-	-	ADJ
fsr-3870	178	10	direct	direct	ADJ
fsr-3870	178	11	purchasers	purchaser	NOUN
fsr-3870	178	12	to	to	PART
fsr-3870	178	13	believe	believe	VERB
fsr-3870	178	14	that	that	SCONJ
fsr-3870	178	15	returns	return	NOUN
fsr-3870	178	16	in	in	ADP
fsr-3870	178	17	successive	successive	ADJ
fsr-3870	178	18	years	year	NOUN
fsr-3870	178	19	are	be	AUX
fsr-3870	178	20	positively	positively	ADV
fsr-3870	178	21	related	relate	VERB
fsr-3870	178	22	.	.	PUNCT
fsr-3870	179	1	interestingly	interestingly	ADV
fsr-3870	179	2	,	,	PUNCT
fsr-3870	179	3	as	as	SCONJ
fsr-3870	179	4	reported	report	VERB
fsr-3870	179	5	in	in	ADP
fsr-3870	179	6	panel	panel	NOUN
fsr-3870	179	7	b	b	PROPN
fsr-3870	179	8	of	of	ADP
fsr-3870	179	9	table	table	NOUN
fsr-3870	179	10	3	3	NUM
fsr-3870	179	11	,	,	PUNCT
fsr-3870	179	12	36.7	36.7	NUM
fsr-3870	179	13	%	%	NOUN
fsr-3870	179	14	of	of	ADP
fsr-3870	179	15	direct	direct	ADJ
fsr-3870	179	16	purchasers	purchaser	NOUN
fsr-3870	179	17	named	name	VERB
fsr-3870	179	18	financial	financial	ADJ
fsr-3870	179	19	publications	publication	NOUN
fsr-3870	179	20	as	as	ADP
fsr-3870	179	21	the	the	DET
fsr-3870	179	22	best	good	ADJ
fsr-3870	179	23	source	source	NOUN
fsr-3870	179	24	of	of	ADP
fsr-3870	179	25	information	information	NOUN
fsr-3870	179	26	.	.	PUNCT
fsr-3870	180	1	these	these	DET
fsr-3870	180	2	publications	publication	NOUN
fsr-3870	180	3	are	be	AUX
fsr-3870	180	4	the	the	DET
fsr-3870	180	5	most	most	ADV
fsr-3870	180	6	likely	likely	ADJ
fsr-3870	180	7	places	place	NOUN
fsr-3870	180	8	for	for	ADP
fsr-3870	180	9	performance	performance	NOUN
fsr-3870	180	10	advertisements	advertisement	NOUN
fsr-3870	180	11	to	to	PART
fsr-3870	180	12	appear	appear	VERB
fsr-3870	180	13	,	,	PUNCT
fsr-3870	180	14	thereby	thereby	ADV
fsr-3870	180	15	implying	implying	ADJ
fsr-3870	180	16	—	—	PUNCT
fsr-3870	180	17	but	but	CCONJ
fsr-3870	180	18	not	not	PART
fsr-3870	180	19	stating	state	VERB
fsr-3870	180	20	—	—	PUNCT
fsr-3870	180	21	that	that	SCONJ
fsr-3870	180	22	there	there	PRON
fsr-3870	180	23	is	be	VERB
fsr-3870	180	24	a	a	DET
fsr-3870	180	25	direct	direct	ADJ
fsr-3870	180	26	relationship	relationship	NOUN
fsr-3870	180	27	between	between	ADP
fsr-3870	180	28	past	past	NOUN
fsr-3870	180	29	and	and	CCONJ
fsr-3870	180	30	future	future	ADJ
fsr-3870	180	31	performance	performance	NOUN
fsr-3870	180	32	.	.	PUNCT
fsr-3870	181	1	several	several	ADJ
fsr-3870	181	2	other	other	ADJ
fsr-3870	181	3	interesting	interesting	ADJ
fsr-3870	181	4	results	result	NOUN
fsr-3870	181	5	are	be	AUX
fsr-3870	181	6	not	not	PART
fsr-3870	181	7	reported	report	VERB
fsr-3870	181	8	in	in	ADP
fsr-3870	181	9	the	the	DET
fsr-3870	181	10	tables	table	NOUN
fsr-3870	181	11	.	.	PUNCT
fsr-3870	182	1	for	for	ADP
fsr-3870	182	2	example	example	NOUN
fsr-3870	182	3	,	,	PUNCT
fsr-3870	182	4	respondents	respondent	NOUN
fsr-3870	182	5	who	who	PRON
fsr-3870	182	6	owned	own	VERB
fsr-3870	182	7	either	either	CCONJ
fsr-3870	182	8	stock	stock	NOUN
fsr-3870	182	9	or	or	CCONJ
fsr-3870	182	10	bond	bond	NOUN
fsr-3870	182	11	funds	fund	NOUN
fsr-3870	182	12	were	be	AUX
fsr-3870	182	13	significantly	significantly	ADV
fsr-3870	182	14	more	more	ADV
fsr-3870	182	15	likely	likely	ADJ
fsr-3870	182	16	than	than	ADP
fsr-3870	182	17	,	,	PUNCT
fsr-3870	182	18	respectively	respectively	ADV
fsr-3870	182	19	,	,	PUNCT
fsr-3870	182	20	non	non	ADJ
fsr-3870	182	21	-	-	ADJ
fsr-3870	182	22	stock	stock	ADJ
fsr-3870	182	23	owners	owner	NOUN
fsr-3870	182	24	or	or	CCONJ
fsr-3870	182	25	non	non	ADJ
fsr-3870	182	26	-	-	ADJ
fsr-3870	182	27	bond	bond	ADJ
fsr-3870	182	28	owners	owner	NOUN
fsr-3870	182	29	to	to	PART
fsr-3870	182	30	know	know	VERB
fsr-3870	182	31	that	that	SCONJ
fsr-3870	182	32	average	average	ADJ
fsr-3870	182	33	stock	stock	NOUN
fsr-3870	182	34	market	market	NOUN
fsr-3870	182	35	returns	return	NOUN
fsr-3870	182	36	exceed	exceed	VERB
fsr-3870	182	37	the	the	DET
fsr-3870	182	38	return	return	NOUN
fsr-3870	182	39	on	on	ADP
fsr-3870	182	40	u.s	u.s	PROPN
fsr-3870	182	41	.	.	PROPN
fsr-3870	182	42	treasury	treasury	PROPN
fsr-3870	182	43	bills	bill	NOUN
fsr-3870	182	44	.	.	PUNCT
fsr-3870	183	1	however	however	ADV
fsr-3870	183	2	,	,	PUNCT
fsr-3870	183	3	the	the	DET
fsr-3870	183	4	difference	difference	NOUN
fsr-3870	183	5	between	between	ADP
fsr-3870	183	6	money	money	NOUN
fsr-3870	183	7	market	market	NOUN
fsr-3870	183	8	and	and	CCONJ
fsr-3870	183	9	non	non	ADJ
fsr-3870	183	10	-	-	ADJ
fsr-3870	183	11	money	money	ADJ
fsr-3870	183	12	market	market	NOUN
fsr-3870	183	13	owners	owner	NOUN
fsr-3870	183	14	was	be	AUX
fsr-3870	183	15	not	not	PART
fsr-3870	183	16	significant	significant	ADJ
fsr-3870	183	17	.	.	PUNCT
fsr-3870	184	1	in	in	ADP
fsr-3870	184	2	terms	term	NOUN
fsr-3870	184	3	of	of	ADP
fsr-3870	184	4	demographic	demographic	ADJ
fsr-3870	184	5	characteristics	characteristic	NOUN
fsr-3870	184	6	,	,	PUNCT
fsr-3870	184	7	college	college	NOUN
fsr-3870	184	8	graduates	graduate	NOUN
fsr-3870	184	9	,	,	PUNCT
fsr-3870	184	10	males	male	NOUN
fsr-3870	184	11	,	,	PUNCT
fsr-3870	184	12	and	and	CCONJ
fsr-3870	184	13	respondents	respondent	NOUN
fsr-3870	184	14	with	with	ADP
fsr-3870	184	15	higher	high	ADJ
fsr-3870	184	16	income	income	NOUN
fsr-3870	184	17	were	be	AUX
fsr-3870	184	18	significantly	significantly	ADV
fsr-3870	184	19	more	more	ADV
fsr-3870	184	20	likely	likely	ADJ
fsr-3870	184	21	to	to	PART
fsr-3870	184	22	believe	believe	VERB
fsr-3870	184	23	that	that	SCONJ
fsr-3870	184	24	the	the	DET
fsr-3870	184	25	average	average	ADJ
fsr-3870	184	26	return	return	NOUN
fsr-3870	184	27	on	on	ADP
fsr-3870	184	28	stocks	stock	NOUN
fsr-3870	184	29	is	be	AUX
fsr-3870	184	30	greater	great	ADJ
fsr-3870	184	31	than	than	ADP
fsr-3870	184	32	that	that	PRON
fsr-3870	184	33	on	on	ADP
fsr-3870	184	34	treasury	treasury	NOUN
fsr-3870	184	35	bills	bill	NOUN
fsr-3870	184	36	.	.	PUNCT
fsr-3870	185	1	although	although	SCONJ
fsr-3870	185	2	this	this	DET
fsr-3870	185	3	analysis	analysis	NOUN
fsr-3870	185	4	was	be	AUX
fsr-3870	185	5	extended	extend	VERB
fsr-3870	185	6	by	by	ADP
fsr-3870	185	7	classifying	classify	VERB
fsr-3870	185	8	respondents	respondent	NOUN
fsr-3870	185	9	by	by	ADP
fsr-3870	185	10	the	the	DET
fsr-3870	185	11	largest	large	ADJ
fsr-3870	185	12	fund	fund	NOUN
fsr-3870	185	13	they	they	PRON
fsr-3870	185	14	owned	own	VERB
fsr-3870	185	15	,	,	PUNCT
fsr-3870	185	16	those	those	PRON
fsr-3870	185	17	whose	whose	DET
fsr-3870	185	18	largest	large	ADJ
fsr-3870	185	19	holding	holding	NOUN
fsr-3870	185	20	was	be	AUX
fsr-3870	185	21	a	a	DET
fsr-3870	185	22	stock	stock	NOUN
fsr-3870	185	23	fund	fund	NOUN
fsr-3870	185	24	were	be	AUX
fsr-3870	185	25	found	find	VERB
fsr-3870	185	26	to	to	PART
fsr-3870	185	27	be	be	AUX
fsr-3870	185	28	significantly	significantly	ADV
fsr-3870	185	29	more	more	ADV
fsr-3870	185	30	likely	likely	ADJ
fsr-3870	185	31	to	to	PART
fsr-3870	185	32	know	know	VERB
fsr-3870	185	33	that	that	SCONJ
fsr-3870	185	34	stock	stock	NOUN
fsr-3870	185	35	market	market	NOUN
fsr-3870	185	36	returns	return	NOUN
fsr-3870	185	37	on	on	ADP
fsr-3870	185	38	average	average	ADJ
fsr-3870	185	39	exceed	exceed	VERB
fsr-3870	185	40	treasury	treasury	NOUN
fsr-3870	185	41	bill	bill	NOUN
fsr-3870	185	42	returns	return	NOUN
fsr-3870	185	43	.	.	PUNCT
fsr-3870	186	1	in	in	ADP
fsr-3870	186	2	contrast	contrast	NOUN
fsr-3870	186	3	,	,	PUNCT
fsr-3870	186	4	investors	investor	NOUN
fsr-3870	186	5	whose	whose	DET
fsr-3870	186	6	largest	large	ADJ
fsr-3870	186	7	holding	holding	NOUN
fsr-3870	186	8	was	be	AUX
fsr-3870	186	9	either	either	CCONJ
fsr-3870	186	10	a	a	DET
fsr-3870	186	11	bond	bond	NOUN
fsr-3870	186	12	or	or	CCONJ
fsr-3870	186	13	money	money	NOUN
fsr-3870	186	14	market	market	NOUN
fsr-3870	186	15	fund	fund	NOUN
fsr-3870	186	16	were	be	AUX
fsr-3870	186	17	significantly	significantly	ADV
fsr-3870	186	18	less	less	ADV
fsr-3870	186	19	likely	likely	ADJ
fsr-3870	186	20	to	to	PART
fsr-3870	186	21	know	know	VERB
fsr-3870	186	22	this	this	PRON
fsr-3870	186	23	.	.	PUNCT
fsr-3870	187	1	5	5	X
fsr-3870	187	2	.	.	X
fsr-3870	187	3	investor	investor	NOUN
fsr-3870	187	4	financial	financial	ADJ
fsr-3870	187	5	literacy	literacy	NOUN
fsr-3870	187	6	in	in	ADP
fsr-3870	187	7	this	this	DET
fsr-3870	187	8	section	section	NOUN
fsr-3870	187	9	,	,	PUNCT
fsr-3870	187	10	we	we	PRON
fsr-3870	187	11	examine	examine	VERB
fsr-3870	187	12	the	the	DET
fsr-3870	187	13	level	level	NOUN
fsr-3870	187	14	of	of	ADP
fsr-3870	187	15	financial	financial	ADJ
fsr-3870	187	16	literacy	literacy	NOUN
fsr-3870	187	17	of	of	ADP
fsr-3870	187	18	the	the	DET
fsr-3870	187	19	mutual	mutual	ADJ
fsr-3870	187	20	fund	fund	NOUN
fsr-3870	187	21	survey	survey	NOUN
fsr-3870	187	22	respondents	respondent	NOUN
fsr-3870	187	23	.	.	PUNCT
fsr-3870	188	1	we	we	PRON
fsr-3870	188	2	conduct	conduct	VERB
fsr-3870	188	3	this	this	DET
fsr-3870	188	4	analysis	analysis	NOUN
fsr-3870	188	5	in	in	ADP
fsr-3870	188	6	several	several	ADJ
fsr-3870	188	7	steps	step	NOUN
fsr-3870	188	8	.	.	PUNCT
fsr-3870	189	1	first	first	ADV
fsr-3870	189	2	,	,	PUNCT
fsr-3870	189	3	we	we	PRON
fsr-3870	189	4	construct	construct	VERB
fsr-3870	189	5	an	an	DET
fsr-3870	189	6	aggregate	aggregate	ADJ
fsr-3870	189	7	measure	measure	NOUN
fsr-3870	189	8	of	of	ADP
fsr-3870	189	9	overall	overall	ADJ
fsr-3870	189	10	investing	investing	NOUN
fsr-3870	189	11	and	and	CCONJ
fsr-3870	189	12	mutual	mutual	ADJ
fsr-3870	189	13	fund	fund	NOUN
fsr-3870	189	14	knowledge	knowledge	NOUN
fsr-3870	189	15	for	for	ADP
fsr-3870	189	16	each	each	DET
fsr-3870	189	17	respondent	respondent	NOUN
fsr-3870	189	18	.	.	PUNCT
fsr-3870	190	1	this	this	DET
fsr-3870	190	2	measure	measure	NOUN
fsr-3870	190	3	is	be	AUX
fsr-3870	190	4	called	call	VERB
fsr-3870	190	5	the	the	DET
fsr-3870	190	6	respondents	respondent	NOUN
fsr-3870	190	7	’	’	PART
fsr-3870	190	8	quiz	quiz	PROPN
fsr-3870	190	9	score	score	NOUN
fsr-3870	190	10	.	.	PUNCT
fsr-3870	191	1	second	second	ADJ
fsr-3870	191	2	,	,	PUNCT
fsr-3870	191	3	we	we	PRON
fsr-3870	191	4	test	test	VERB
fsr-3870	191	5	for	for	ADP
fsr-3870	191	6	statistically	statistically	ADV
fsr-3870	191	7	significant	significant	ADJ
fsr-3870	191	8	differences	difference	NOUN
fsr-3870	191	9	between	between	ADP
fsr-3870	191	10	high	high	ADJ
fsr-3870	191	11	and	and	CCONJ
fsr-3870	191	12	low	low	ADJ
fsr-3870	191	13	quiz	quiz	NOUN
fsr-3870	191	14	score	score	NOUN
fsr-3870	191	15	groups	group	NOUN
fsr-3870	191	16	by	by	ADP
fsr-3870	191	17	demographic	demographic	ADJ
fsr-3870	191	18	and	and	CCONJ
fsr-3870	191	19	financial	financial	ADJ
fsr-3870	191	20	characteristics	characteristic	NOUN
fsr-3870	191	21	and	and	CCONJ
fsr-3870	191	22	by	by	ADP
fsr-3870	191	23	sources	source	NOUN
fsr-3870	191	24	of	of	ADP
fsr-3870	191	25	information	information	NOUN
fsr-3870	191	26	.	.	PUNCT
fsr-3870	192	1	finally	finally	ADV
fsr-3870	192	2	,	,	PUNCT
fsr-3870	192	3	we	we	PRON
fsr-3870	192	4	employ	employ	VERB
fsr-3870	192	5	a	a	DET
fsr-3870	192	6	logit	logit	NOUN
fsr-3870	192	7	model	model	NOUN
fsr-3870	192	8	to	to	PART
fsr-3870	192	9	assess	assess	VERB
fsr-3870	192	10	the	the	DET
fsr-3870	192	11	factors	factor	NOUN
fsr-3870	192	12	that	that	PRON
fsr-3870	192	13	are	be	AUX
fsr-3870	192	14	most	most	ADV
fsr-3870	192	15	important	important	ADJ
fsr-3870	192	16	in	in	ADP
fsr-3870	192	17	explaining	explain	VERB
fsr-3870	192	18	differences	difference	NOUN
fsr-3870	192	19	in	in	ADP
fsr-3870	192	20	overall	overall	ADJ
fsr-3870	192	21	investor	investor	NOUN
fsr-3870	192	22	literacy	literacy	NOUN
fsr-3870	192	23	as	as	SCONJ
fsr-3870	192	24	measured	measure	VERB
fsr-3870	192	25	by	by	ADP
fsr-3870	192	26	the	the	DET
fsr-3870	192	27	quiz	quiz	NOUN
fsr-3870	192	28	score	score	NOUN
fsr-3870	192	29	.	.	PUNCT
fsr-3870	193	1	the	the	DET
fsr-3870	193	2	quiz	quiz	NOUN
fsr-3870	193	3	score	score	NOUN
fsr-3870	193	4	should	should	AUX
fsr-3870	193	5	not	not	PART
fsr-3870	193	6	necessarily	necessarily	ADV
fsr-3870	193	7	be	be	AUX
fsr-3870	193	8	interpreted	interpret	VERB
fsr-3870	193	9	as	as	ADP
fsr-3870	193	10	indicating	indicate	VERB
fsr-3870	193	11	whether	whether	SCONJ
fsr-3870	193	12	any	any	DET
fsr-3870	193	13	particular	particular	ADJ
fsr-3870	193	14	financial	financial	ADJ
fsr-3870	193	15	intermediary	intermediary	NOUN
fsr-3870	193	16	has	have	AUX
fsr-3870	193	17	been	be	AUX
fsr-3870	193	18	more	more	ADV
fsr-3870	193	19	or	or	CCONJ
fsr-3870	193	20	less	less	ADV
fsr-3870	193	21	successful	successful	ADJ
fsr-3870	193	22	in	in	ADP
fsr-3870	193	23	educating	educate	VERB
fsr-3870	193	24	investors	investor	NOUN
fsr-3870	193	25	.	.	PUNCT
fsr-3870	194	1	quiz	quiz	NOUN
fsr-3870	194	2	scores	score	NOUN
fsr-3870	194	3	may	may	AUX
fsr-3870	194	4	show	show	VERB
fsr-3870	194	5	that	that	SCONJ
fsr-3870	194	6	in	in	ADP
fsr-3870	194	7	general	general	ADJ
fsr-3870	194	8	,	,	PUNCT
fsr-3870	194	9	more	more	ADV
fsr-3870	194	10	knowledgeable	knowledgeable	ADJ
fsr-3870	194	11	investors	investor	NOUN
fsr-3870	194	12	choose	choose	VERB
fsr-3870	194	13	to	to	PART
fsr-3870	194	14	purchase	purchase	VERB
fsr-3870	194	15	funds	fund	NOUN
fsr-3870	194	16	through	through	ADP
fsr-3870	194	17	particular	particular	ADJ
fsr-3870	194	18	channels	channel	NOUN
fsr-3870	194	19	.	.	PUNCT
fsr-3870	195	1	for	for	ADP
fsr-3870	195	2	example	example	NOUN
fsr-3870	195	3	,	,	PUNCT
fsr-3870	195	4	more	more	ADV
fsr-3870	195	5	financially	financially	ADV
fsr-3870	195	6	literate	literate	ADJ
fsr-3870	195	7	investors	investor	NOUN
fsr-3870	195	8	may	may	AUX
fsr-3870	195	9	be	be	AUX
fsr-3870	195	10	more	more	ADV
fsr-3870	195	11	comfortable	comfortable	ADJ
fsr-3870	195	12	with	with	ADP
fsr-3870	195	13	the	the	DET
fsr-3870	195	14	idea	idea	NOUN
fsr-3870	195	15	of	of	ADP
fsr-3870	195	16	purchasing	purchase	VERB
fsr-3870	195	17	directly	directly	ADV
fsr-3870	195	18	from	from	ADP
fsr-3870	195	19	a	a	DET
fsr-3870	195	20	fund	fund	NOUN
fsr-3870	195	21	company	company	NOUN
fsr-3870	195	22	and	and	CCONJ
fsr-3870	195	23	may	may	AUX
fsr-3870	195	24	be	be	AUX
fsr-3870	195	25	more	more	ADV
fsr-3870	195	26	likely	likely	ADJ
fsr-3870	195	27	to	to	PART
fsr-3870	195	28	maintain	maintain	VERB
fsr-3870	195	29	an	an	DET
fsr-3870	195	30	account	account	NOUN
fsr-3870	195	31	with	with	ADP
fsr-3870	195	32	a	a	DET
fsr-3870	195	33	stockbroker	stockbroker	NOUN
fsr-3870	195	34	.	.	PUNCT
fsr-3870	196	1	as	as	ADP
fsr-3870	196	2	a	a	DET
fsr-3870	196	3	result	result	NOUN
fsr-3870	196	4	,	,	PUNCT
fsr-3870	196	5	it	it	PRON
fsr-3870	196	6	can	can	AUX
fsr-3870	196	7	not	not	PART
fsr-3870	196	8	be	be	AUX
fsr-3870	196	9	inferred	infer	VERB
fsr-3870	196	10	that	that	SCONJ
fsr-3870	196	11	salespeople	salespeople	NOUN
fsr-3870	196	12	in	in	ADP
fsr-3870	196	13	these	these	DET
fsr-3870	196	14	distribution	distribution	NOUN
fsr-3870	196	15	channels	channel	NOUN
fsr-3870	196	16	necessarily	necessarily	ADV
fsr-3870	196	17	do	do	VERB
fsr-3870	196	18	a	a	DET
fsr-3870	196	19	better	well	ADJ
fsr-3870	196	20	job	job	NOUN
fsr-3870	196	21	of	of	ADP
fsr-3870	196	22	disclosing	disclose	VERB
fsr-3870	196	23	risks	risk	NOUN
fsr-3870	196	24	and	and	CCONJ
fsr-3870	196	25	costs	cost	NOUN
fsr-3870	196	26	.	.	PUNCT
fsr-3870	197	1	indeed	indeed	ADV
fsr-3870	197	2	,	,	PUNCT
fsr-3870	197	3	alexander	alexander	PROPN
fsr-3870	197	4	et	et	PROPN
fsr-3870	197	5	al	al	PROPN
fsr-3870	197	6	.	.	PROPN
fsr-3870	198	1	(	(	PUNCT
fsr-3870	198	2	1997	1997	NUM
fsr-3870	198	3	)	)	PUNCT
fsr-3870	198	4	found	find	VERB
fsr-3870	198	5	evidence	evidence	NOUN
fsr-3870	198	6	that	that	SCONJ
fsr-3870	198	7	a	a	DET
fsr-3870	198	8	mutual	mutual	ADJ
fsr-3870	198	9	fund	fund	NOUN
fsr-3870	198	10	investor	investor	NOUN
fsr-3870	198	11	’s	’s	PART
fsr-3870	198	12	level	level	NOUN
fsr-3870	198	13	of	of	ADP
fsr-3870	198	14	financial	financial	ADJ
fsr-3870	198	15	literacy	literacy	NOUN
fsr-3870	198	16	and	and	CCONJ
fsr-3870	198	17	choice	choice	NOUN
fsr-3870	198	18	of	of	ADP
fsr-3870	198	19	distribution	distribution	NOUN
fsr-3870	198	20	channel	channel	NOUN
fsr-3870	198	21	are	be	AUX
fsr-3870	198	22	jointly	jointly	ADV
fsr-3870	198	23	determined	determine	VERB
fsr-3870	198	24	.	.	PUNCT
fsr-3870	199	1	311g.j	311g.j	NOUN
fsr-3870	199	2	.	.	PUNCT
fsr-3870	200	1	alexander	alexander	PROPN
fsr-3870	200	2	et	et	PROPN
fsr-3870	200	3	al	al	PROPN
fsr-3870	200	4	.	.	PUNCT
fsr-3870	200	5	/	/	SYM
fsr-3870	200	6	financial	financial	ADJ
fsr-3870	200	7	services	service	NOUN
fsr-3870	200	8	review	review	VERB
fsr-3870	200	9	7	7	NUM
fsr-3870	200	10	(	(	PUNCT
fsr-3870	200	11	1998	1998	NUM
fsr-3870	200	12	)	)	PUNCT
fsr-3870	200	13	301–316	301–316	NUM
fsr-3870	200	14	5.1	5.1	NUM
fsr-3870	200	15	.	.	PUNCT
fsr-3870	201	1	quiz	quiz	NOUN
fsr-3870	201	2	score	score	VERB
fsr-3870	201	3	measure	measure	NOUN
fsr-3870	201	4	of	of	ADP
fsr-3870	201	5	investor	investor	NOUN
fsr-3870	201	6	financial	financial	ADJ
fsr-3870	201	7	literacy	literacy	NOUN
fsr-3870	201	8	the	the	DET
fsr-3870	201	9	measure	measure	NOUN
fsr-3870	201	10	of	of	ADP
fsr-3870	201	11	overall	overall	ADJ
fsr-3870	201	12	investor	investor	NOUN
fsr-3870	201	13	knowledge	knowledge	NOUN
fsr-3870	201	14	is	be	AUX
fsr-3870	201	15	based	base	VERB
fsr-3870	201	16	on	on	ADP
fsr-3870	201	17	the	the	DET
fsr-3870	201	18	responses	response	NOUN
fsr-3870	201	19	to	to	ADP
fsr-3870	201	20	a	a	DET
fsr-3870	201	21	subset	subset	NOUN
fsr-3870	201	22	of	of	ADP
fsr-3870	201	23	questions	question	NOUN
fsr-3870	201	24	in	in	ADP
fsr-3870	201	25	the	the	DET
fsr-3870	201	26	mutual	mutual	ADJ
fsr-3870	201	27	fund	fund	NOUN
fsr-3870	201	28	survey	survey	NOUN
fsr-3870	201	29	.	.	PUNCT
fsr-3870	202	1	the	the	DET
fsr-3870	202	2	quiz	quiz	NOUN
fsr-3870	202	3	consists	consist	VERB
fsr-3870	202	4	of	of	ADP
fsr-3870	202	5	nine	nine	NUM
fsr-3870	202	6	questions	question	NOUN
fsr-3870	202	7	and	and	CCONJ
fsr-3870	202	8	the	the	DET
fsr-3870	202	9	number	number	NOUN
fsr-3870	202	10	of	of	ADP
fsr-3870	202	11	correct	correct	ADJ
fsr-3870	202	12	responses	response	NOUN
fsr-3870	202	13	is	be	AUX
fsr-3870	202	14	called	call	VERB
fsr-3870	202	15	the	the	DET
fsr-3870	202	16	quiz	quiz	NOUN
fsr-3870	202	17	score	score	NOUN
fsr-3870	202	18	.	.	PUNCT
fsr-3870	203	1	the	the	DET
fsr-3870	203	2	quiz	quiz	NOUN
fsr-3870	203	3	score	score	VERB
fsr-3870	203	4	measures	measure	NOUN
fsr-3870	203	5	investing	invest	VERB
fsr-3870	203	6	knowledge	knowledge	NOUN
fsr-3870	203	7	in	in	ADP
fsr-3870	203	8	general	general	ADJ
fsr-3870	203	9	and	and	CCONJ
fsr-3870	203	10	mutual	mutual	ADJ
fsr-3870	203	11	fund	fund	NOUN
fsr-3870	203	12	investment	investment	NOUN
fsr-3870	203	13	knowledge	knowledge	NOUN
fsr-3870	203	14	in	in	ADP
fsr-3870	203	15	particular	particular	ADJ
fsr-3870	203	16	on	on	ADP
fsr-3870	203	17	the	the	DET
fsr-3870	203	18	part	part	NOUN
fsr-3870	203	19	of	of	ADP
fsr-3870	203	20	mutual	mutual	ADJ
fsr-3870	203	21	fund	fund	NOUN
fsr-3870	203	22	shareholders	shareholder	NOUN
fsr-3870	203	23	.	.	PUNCT
fsr-3870	204	1	the	the	DET
fsr-3870	204	2	questions	question	NOUN
fsr-3870	204	3	involve	involve	VERB
fsr-3870	204	4	the	the	DET
fsr-3870	204	5	respondents	respondent	NOUN
fsr-3870	204	6	reporting	report	VERB
fsr-3870	204	7	whether	whether	SCONJ
fsr-3870	204	8	or	or	CCONJ
fsr-3870	204	9	not	not	PART
fsr-3870	204	10	they	they	PRON
fsr-3870	204	11	know	know	VERB
fsr-3870	204	12	:	:	PUNCT
fsr-3870	204	13	(	(	PUNCT
fsr-3870	204	14	1	1	X
fsr-3870	204	15	)	)	PUNCT
fsr-3870	204	16	that	that	SCONJ
fsr-3870	204	17	it	it	PRON
fsr-3870	204	18	is	be	AUX
fsr-3870	204	19	possible	possible	ADJ
fsr-3870	204	20	to	to	PART
fsr-3870	204	21	lose	lose	VERB
fsr-3870	204	22	money	money	NOUN
fsr-3870	204	23	in	in	ADP
fsr-3870	204	24	a	a	DET
fsr-3870	204	25	stock	stock	NOUN
fsr-3870	204	26	mutual	mutual	ADJ
fsr-3870	204	27	fund	fund	NOUN
fsr-3870	204	28	;	;	PUNCT
fsr-3870	204	29	(	(	PUNCT
fsr-3870	204	30	2	2	X
fsr-3870	204	31	)	)	PUNCT
fsr-3870	204	32	that	that	SCONJ
fsr-3870	204	33	it	it	PRON
fsr-3870	204	34	is	be	AUX
fsr-3870	204	35	possible	possible	ADJ
fsr-3870	204	36	to	to	PART
fsr-3870	204	37	lose	lose	VERB
fsr-3870	204	38	money	money	NOUN
fsr-3870	204	39	in	in	ADP
fsr-3870	204	40	a	a	DET
fsr-3870	204	41	bond	bond	NOUN
fsr-3870	204	42	mutual	mutual	ADJ
fsr-3870	204	43	fund	fund	NOUN
fsr-3870	204	44	;	;	PUNCT
fsr-3870	204	45	(	(	PUNCT
fsr-3870	204	46	3	3	X
fsr-3870	204	47	)	)	PUNCT
fsr-3870	204	48	that	that	PRON
fsr-3870	204	49	money	money	NOUN
fsr-3870	204	50	market	market	NOUN
fsr-3870	204	51	mutual	mutual	ADJ
fsr-3870	204	52	funds	fund	NOUN
fsr-3870	204	53	are	be	AUX
fsr-3870	204	54	not	not	PART
fsr-3870	204	55	insured	insure	VERB
fsr-3870	204	56	;	;	PUNCT
fsr-3870	204	57	(	(	PUNCT
fsr-3870	204	58	4	4	X
fsr-3870	204	59	)	)	PUNCT
fsr-3870	204	60	that	that	SCONJ
fsr-3870	204	61	there	there	PRON
fsr-3870	204	62	are	be	VERB
fsr-3870	204	63	thousands	thousand	NOUN
fsr-3870	204	64	of	of	ADP
fsr-3870	204	65	mutual	mutual	ADJ
fsr-3870	204	66	funds	fund	NOUN
fsr-3870	204	67	to	to	PART
fsr-3870	204	68	choose	choose	VERB
fsr-3870	204	69	from	from	ADP
fsr-3870	204	70	in	in	ADP
fsr-3870	204	71	making	make	VERB
fsr-3870	204	72	an	an	DET
fsr-3870	204	73	investment	investment	NOUN
fsr-3870	204	74	decision	decision	NOUN
fsr-3870	204	75	;	;	PUNCT
fsr-3870	204	76	(	(	PUNCT
fsr-3870	204	77	5	5	X
fsr-3870	204	78	)	)	PUNCT
fsr-3870	204	79	that	that	SCONJ
fsr-3870	204	80	stock	stock	NOUN
fsr-3870	204	81	market	market	NOUN
fsr-3870	204	82	returns	return	NOUN
fsr-3870	204	83	are	be	AUX
fsr-3870	204	84	,	,	PUNCT
fsr-3870	204	85	on	on	ADP
fsr-3870	204	86	the	the	DET
fsr-3870	204	87	average	average	ADJ
fsr-3870	204	88	,	,	PUNCT
fsr-3870	204	89	greater	great	ADJ
fsr-3870	204	90	than	than	ADP
fsr-3870	204	91	the	the	DET
fsr-3870	204	92	return	return	NOUN
fsr-3870	204	93	on	on	ADP
fsr-3870	204	94	u.	u.	PROPN
fsr-3870	204	95	s.	s.	PROPN
fsr-3870	204	96	treasury	treasury	PROPN
fsr-3870	204	97	bills	bill	NOUN
fsr-3870	204	98	;	;	PUNCT
fsr-3870	204	99	(	(	PUNCT
fsr-3870	204	100	6	6	X
fsr-3870	204	101	)	)	PUNCT
fsr-3870	204	102	what	what	PRON
fsr-3870	204	103	the	the	DET
fsr-3870	204	104	term	term	NOUN
fsr-3870	204	105	net	net	ADJ
fsr-3870	204	106	asset	asset	NOUN
fsr-3870	204	107	value	value	NOUN
fsr-3870	204	108	(	(	PUNCT
fsr-3870	204	109	nav	nav	NOUN
fsr-3870	204	110	)	)	PUNCT
fsr-3870	204	111	means	mean	VERB
fsr-3870	204	112	;	;	PUNCT
fsr-3870	204	113	(	(	PUNCT
fsr-3870	204	114	7	7	X
fsr-3870	204	115	)	)	PUNCT
fsr-3870	204	116	what	what	PRON
fsr-3870	204	117	the	the	DET
fsr-3870	204	118	term	term	NOUN
fsr-3870	204	119	redemption	redemption	NOUN
fsr-3870	204	120	means	mean	VERB
fsr-3870	204	121	;	;	PUNCT
fsr-3870	204	122	(	(	PUNCT
fsr-3870	204	123	8)	8)	NUM
fsr-3870	204	124	what	what	PRON
fsr-3870	204	125	the	the	DET
fsr-3870	204	126	term	term	NOUN
fsr-3870	204	127	derivatives	derivative	NOUN
fsr-3870	204	128	means	mean	VERB
fsr-3870	204	129	;	;	PUNCT
fsr-3870	204	130	and	and	CCONJ
fsr-3870	204	131	(	(	PUNCT
fsr-3870	204	132	9	9	X
fsr-3870	204	133	)	)	PUNCT
fsr-3870	204	134	what	what	PRON
fsr-3870	204	135	the	the	DET
fsr-3870	204	136	term	term	NOUN
fsr-3870	204	137	present	present	ADJ
fsr-3870	204	138	value	value	NOUN
fsr-3870	204	139	means	mean	NOUN
fsr-3870	204	140	.	.	PUNCT
fsr-3870	205	1	quiz	quiz	NOUN
fsr-3870	205	2	questions	question	VERB
fsr-3870	205	3	six	six	NUM
fsr-3870	205	4	through	through	ADP
fsr-3870	205	5	nine	nine	NUM
fsr-3870	205	6	are	be	AUX
fsr-3870	205	7	relatively	relatively	ADV
fsr-3870	205	8	weak	weak	ADJ
fsr-3870	205	9	measures	measure	NOUN
fsr-3870	205	10	of	of	ADP
fsr-3870	205	11	investor	investor	NOUN
fsr-3870	205	12	knowledge	knowledge	NOUN
fsr-3870	205	13	,	,	PUNCT
fsr-3870	205	14	as	as	SCONJ
fsr-3870	205	15	respondents	respondent	NOUN
fsr-3870	205	16	were	be	AUX
fsr-3870	205	17	given	give	VERB
fsr-3870	205	18	credit	credit	NOUN
fsr-3870	205	19	for	for	ADP
fsr-3870	205	20	those	those	DET
fsr-3870	205	21	questions	question	NOUN
fsr-3870	205	22	if	if	SCONJ
fsr-3870	205	23	they	they	PRON
fsr-3870	205	24	claimed	claim	VERB
fsr-3870	205	25	to	to	PART
fsr-3870	205	26	know	know	VERB
fsr-3870	205	27	what	what	PRON
fsr-3870	205	28	these	these	DET
fsr-3870	205	29	various	various	ADJ
fsr-3870	205	30	terms	term	NOUN
fsr-3870	205	31	mean	mean	VERB
fsr-3870	205	32	,	,	PUNCT
fsr-3870	205	33	even	even	ADV
fsr-3870	205	34	though	though	SCONJ
fsr-3870	205	35	no	no	DET
fsr-3870	205	36	attempt	attempt	NOUN
fsr-3870	205	37	was	be	AUX
fsr-3870	205	38	made	make	VERB
fsr-3870	205	39	to	to	PART
fsr-3870	205	40	verify	verify	VERB
fsr-3870	205	41	the	the	DET
fsr-3870	205	42	accuracy	accuracy	NOUN
fsr-3870	205	43	of	of	ADP
fsr-3870	205	44	their	their	PRON
fsr-3870	205	45	responses	response	NOUN
fsr-3870	205	46	.	.	PUNCT
fsr-3870	206	1	the	the	DET
fsr-3870	206	2	results	result	NOUN
fsr-3870	206	3	reported	report	VERB
fsr-3870	206	4	here	here	ADV
fsr-3870	206	5	,	,	PUNCT
fsr-3870	206	6	however	however	ADV
fsr-3870	206	7	,	,	PUNCT
fsr-3870	206	8	are	be	AUX
fsr-3870	206	9	essentially	essentially	ADV
fsr-3870	206	10	unchanged	unchanged	ADJ
fsr-3870	206	11	when	when	SCONJ
fsr-3870	206	12	quiz	quiz	PROPN
fsr-3870	206	13	scores	score	NOUN
fsr-3870	206	14	are	be	AUX
fsr-3870	206	15	based	base	VERB
fsr-3870	206	16	solely	solely	ADV
fsr-3870	206	17	on	on	ADP
fsr-3870	206	18	the	the	DET
fsr-3870	206	19	responses	response	NOUN
fsr-3870	206	20	to	to	ADP
fsr-3870	206	21	the	the	DET
fsr-3870	206	22	first	first	ADJ
fsr-3870	206	23	five	five	NUM
fsr-3870	206	24	questions	question	NOUN
fsr-3870	206	25	.	.	PUNCT
fsr-3870	207	1	5.2	5.2	NUM
fsr-3870	207	2	.	.	PUNCT
fsr-3870	208	1	quiz	quiz	PROPN
fsr-3870	208	2	score	score	VERB
fsr-3870	208	3	analysis	analysis	NOUN
fsr-3870	208	4	table	table	NOUN
fsr-3870	208	5	6	6	NUM
fsr-3870	208	6	presents	present	VERB
fsr-3870	208	7	the	the	DET
fsr-3870	208	8	mean	mean	NOUN
fsr-3870	208	9	of	of	ADP
fsr-3870	208	10	the	the	DET
fsr-3870	208	11	respondents	respondent	NOUN
fsr-3870	208	12	’	’	PART
fsr-3870	208	13	quiz	quiz	NOUN
fsr-3870	208	14	score	score	NOUN
fsr-3870	208	15	by	by	ADP
fsr-3870	208	16	distribution	distribution	NOUN
fsr-3870	208	17	channel	channel	NOUN
fsr-3870	208	18	as	as	ADV
fsr-3870	208	19	well	well	ADV
fsr-3870	208	20	as	as	ADP
fsr-3870	208	21	for	for	ADP
fsr-3870	208	22	those	those	DET
fsr-3870	208	23	respondents	respondent	NOUN
fsr-3870	208	24	who	who	PRON
fsr-3870	208	25	did	do	AUX
fsr-3870	208	26	not	not	PART
fsr-3870	208	27	use	use	VERB
fsr-3870	208	28	the	the	DET
fsr-3870	208	29	channel	channel	NOUN
fsr-3870	208	30	.	.	PUNCT
fsr-3870	209	1	also	also	ADV
fsr-3870	209	2	,	,	PUNCT
fsr-3870	209	3	we	we	PRON
fsr-3870	209	4	report	report	VERB
fsr-3870	209	5	the	the	DET
fsr-3870	209	6	results	result	NOUN
fsr-3870	209	7	of	of	ADP
fsr-3870	209	8	conventional	conventional	ADJ
fsr-3870	209	9	t	t	NOUN
fsr-3870	209	10	-	-	PUNCT
fsr-3870	209	11	tests	test	NOUN
fsr-3870	209	12	of	of	ADP
fsr-3870	209	13	the	the	DET
fsr-3870	209	14	equality	equality	NOUN
fsr-3870	209	15	of	of	ADP
fsr-3870	209	16	mean	mean	ADJ
fsr-3870	209	17	quiz	quiz	NOUN
fsr-3870	209	18	scores	score	NOUN
fsr-3870	209	19	for	for	ADP
fsr-3870	209	20	each	each	DET
fsr-3870	209	21	type	type	NOUN
fsr-3870	209	22	of	of	ADP
fsr-3870	209	23	distribution	distribution	NOUN
fsr-3870	209	24	channel	channel	NOUN
fsr-3870	209	25	.	.	PUNCT
fsr-3870	210	1	table	table	NOUN
fsr-3870	210	2	6	6	NUM
fsr-3870	210	3	mean	mean	NOUN
fsr-3870	210	4	of	of	ADP
fsr-3870	210	5	the	the	DET
fsr-3870	210	6	quiz	quiz	NOUN
fsr-3870	210	7	score	score	NOUN
fsr-3870	210	8	by	by	ADP
fsr-3870	210	9	distribution	distribution	NOUN
fsr-3870	210	10	channel	channel	NOUN
fsr-3870	210	11	distribution	distribution	NOUN
fsr-3870	210	12	channel	channel	NOUN
fsr-3870	210	13	mean	mean	VERB
fsr-3870	210	14	for	for	SCONJ
fsr-3870	210	15	channel	channel	NOUN
fsr-3870	210	16	users	user	NOUN
fsr-3870	210	17	mean	mean	VERB
fsr-3870	210	18	for	for	ADP
fsr-3870	210	19	non	non	ADJ
fsr-3870	210	20	-	-	ADJ
fsr-3870	210	21	channel	channel	ADJ
fsr-3870	210	22	users	user	NOUN
fsr-3870	210	23	difference	difference	VERB
fsr-3870	210	24	t	t	PROPN
fsr-3870	210	25	-	-	PUNCT
fsr-3870	210	26	statistic	statistic	NOUN
fsr-3870	210	27	bank	bank	NOUN
fsr-3870	210	28	4.77	4.77	NUM
fsr-3870	210	29	5.08	5.08	NUM
fsr-3870	210	30	20.31	20.31	NUM
fsr-3870	210	31	22.10	22.10	NUM
fsr-3870	210	32	*	*	PUNCT
fsr-3870	210	33	broker	broker	NOUN
fsr-3870	210	34	5.48	5.48	NUM
fsr-3870	210	35	4.81	4.81	NUM
fsr-3870	210	36	0.67	0.67	NUM
fsr-3870	210	37	6.21	6.21	NUM
fsr-3870	210	38	*	*	PUNCT
fsr-3870	210	39	direct	direct	ADJ
fsr-3870	210	40	6.26	6.26	NUM
fsr-3870	210	41	4.50	4.50	NUM
fsr-3870	210	42	1.76	1.76	NUM
fsr-3870	210	43	17.44	17.44	NUM
fsr-3870	210	44	*	*	PUNCT
fsr-3870	210	45	pension	pension	NOUN
fsr-3870	210	46	5.14	5.14	NUM
fsr-3870	210	47	4.89	4.89	NUM
fsr-3870	210	48	0.25	0.25	NUM
fsr-3870	210	49	2.39	2.39	NUM
fsr-3870	210	50	*	*	PUNCT
fsr-3870	210	51	insurance	insurance	NOUN
fsr-3870	210	52	company	company	NOUN
fsr-3870	210	53	4.82	4.82	NUM
fsr-3870	210	54	5.11	5.11	NUM
fsr-3870	210	55	20.29	20.29	NUM
fsr-3870	210	56	22.38	22.38	NUM
fsr-3870	210	57	other	other	ADJ
fsr-3870	210	58	4.92	4.92	NUM
fsr-3870	210	59	5.04	5.04	NUM
fsr-3870	210	60	20.12	20.12	NUM
fsr-3870	210	61	20.42	20.42	NUM
fsr-3870	210	62	mean	mean	NOUN
fsr-3870	210	63	for	for	ADP
fsr-3870	210	64	all	all	DET
fsr-3870	210	65	channels	channel	NOUN
fsr-3870	210	66	5.03	5.03	NUM
fsr-3870	210	67	notes	note	NOUN
fsr-3870	210	68	:	:	PUNCT
fsr-3870	210	69	a	a	DET
fsr-3870	210	70	“	"	PUNCT
fsr-3870	210	71	*	*	NOUN
fsr-3870	210	72	”	"	PUNCT
fsr-3870	210	73	signifies	signify	VERB
fsr-3870	210	74	statistical	statistical	ADJ
fsr-3870	210	75	significance	significance	NOUN
fsr-3870	210	76	at	at	ADP
fsr-3870	210	77	the	the	DET
fsr-3870	210	78	five	five	NUM
fsr-3870	210	79	percent	percent	NOUN
fsr-3870	210	80	level	level	NOUN
fsr-3870	210	81	.	.	PUNCT
fsr-3870	211	1	a	a	DET
fsr-3870	211	2	difference	difference	NOUN
fsr-3870	211	3	in	in	ADP
fsr-3870	211	4	means	mean	NOUN
fsr-3870	211	5	test	test	NOUN
fsr-3870	211	6	is	be	AUX
fsr-3870	211	7	used	use	VERB
fsr-3870	211	8	to	to	PART
fsr-3870	211	9	test	test	VERB
fsr-3870	211	10	for	for	ADP
fsr-3870	211	11	significant	significant	ADJ
fsr-3870	211	12	differences	difference	NOUN
fsr-3870	211	13	in	in	ADP
fsr-3870	211	14	quiz	quiz	NOUN
fsr-3870	211	15	scores	score	NOUN
fsr-3870	211	16	that	that	PRON
fsr-3870	211	17	adjusts	adjust	VERB
fsr-3870	211	18	for	for	ADP
fsr-3870	211	19	unequal	unequal	ADJ
fsr-3870	211	20	variances	variance	NOUN
fsr-3870	211	21	when	when	SCONJ
fsr-3870	211	22	necessary	necessary	ADJ
fsr-3870	211	23	.	.	PUNCT
fsr-3870	212	1	the	the	DET
fsr-3870	212	2	absolute	absolute	ADJ
fsr-3870	212	3	value	value	NOUN
fsr-3870	212	4	of	of	ADP
fsr-3870	212	5	the	the	DET
fsr-3870	212	6	t	t	PROPN
fsr-3870	212	7	-	-	PUNCT
fsr-3870	212	8	statistic	statistic	NOUN
fsr-3870	212	9	is	be	AUX
fsr-3870	212	10	reported	report	VERB
fsr-3870	212	11	.	.	PUNCT
fsr-3870	213	1	see	see	VERB
fsr-3870	213	2	notes	note	NOUN
fsr-3870	213	3	to	to	ADP
fsr-3870	213	4	table	table	NOUN
fsr-3870	213	5	1	1	NUM
fsr-3870	213	6	.	.	X
fsr-3870	213	7	312	312	NUM
fsr-3870	213	8	g.j	g.j	PROPN
fsr-3870	213	9	.	.	PUNCT
fsr-3870	214	1	alexander	alexander	PROPN
fsr-3870	214	2	et	et	PROPN
fsr-3870	214	3	al	al	PROPN
fsr-3870	214	4	.	.	PUNCT
fsr-3870	214	5	/	/	SYM
fsr-3870	214	6	financial	financial	ADJ
fsr-3870	214	7	services	service	NOUN
fsr-3870	214	8	review	review	VERB
fsr-3870	214	9	7	7	NUM
fsr-3870	214	10	(	(	PUNCT
fsr-3870	214	11	1998	1998	NUM
fsr-3870	214	12	)	)	PUNCT
fsr-3870	215	1	301–316	301–316	NUM
fsr-3870	215	2	the	the	DET
fsr-3870	215	3	typical	typical	ADJ
fsr-3870	215	4	mutual	mutual	ADJ
fsr-3870	215	5	fund	fund	NOUN
fsr-3870	215	6	shareholder	shareholder	NOUN
fsr-3870	215	7	had	have	VERB
fsr-3870	215	8	a	a	DET
fsr-3870	215	9	quiz	quiz	NOUN
fsr-3870	215	10	score	score	NOUN
fsr-3870	215	11	of	of	ADP
fsr-3870	215	12	five	five	NUM
fsr-3870	215	13	out	out	ADP
fsr-3870	215	14	of	of	ADP
fsr-3870	215	15	a	a	DET
fsr-3870	215	16	possible	possible	ADJ
fsr-3870	215	17	nine	nine	NUM
fsr-3870	215	18	.	.	PUNCT
fsr-3870	216	1	investors	investor	NOUN
fsr-3870	216	2	purchasing	purchase	VERB
fsr-3870	216	3	directly	directly	ADV
fsr-3870	216	4	from	from	ADP
fsr-3870	216	5	fund	fund	NOUN
fsr-3870	216	6	companies	company	NOUN
fsr-3870	216	7	scored	score	VERB
fsr-3870	216	8	much	much	ADV
fsr-3870	216	9	higher	high	ADJ
fsr-3870	216	10	than	than	ADP
fsr-3870	216	11	any	any	DET
fsr-3870	216	12	other	other	ADJ
fsr-3870	216	13	fund	fund	NOUN
fsr-3870	216	14	group	group	NOUN
fsr-3870	216	15	.	.	PUNCT
fsr-3870	217	1	broker	broker	NOUN
fsr-3870	217	2	and	and	CCONJ
fsr-3870	217	3	pension	pension	NOUN
fsr-3870	217	4	plan	plan	NOUN
fsr-3870	217	5	purchasers	purchaser	NOUN
fsr-3870	217	6	also	also	ADV
fsr-3870	217	7	scored	score	VERB
fsr-3870	217	8	significantly	significantly	ADV
fsr-3870	217	9	higher	high	ADJ
fsr-3870	217	10	than	than	ADP
fsr-3870	217	11	those	those	PRON
fsr-3870	217	12	buying	buy	VERB
fsr-3870	217	13	mutual	mutual	ADJ
fsr-3870	217	14	fund	fund	NOUN
fsr-3870	217	15	shares	share	NOUN
fsr-3870	217	16	through	through	ADP
fsr-3870	217	17	other	other	ADJ
fsr-3870	217	18	distribution	distribution	NOUN
fsr-3870	217	19	channels	channel	NOUN
fsr-3870	217	20	.	.	PUNCT
fsr-3870	218	1	however	however	ADV
fsr-3870	218	2	,	,	PUNCT
fsr-3870	218	3	bank	bank	NOUN
fsr-3870	218	4	and	and	CCONJ
fsr-3870	218	5	insurance	insurance	NOUN
fsr-3870	218	6	company	company	NOUN
fsr-3870	218	7	purchasers	purchaser	NOUN
fsr-3870	218	8	received	receive	VERB
fsr-3870	218	9	significantly	significantly	ADV
fsr-3870	218	10	lower	low	ADJ
fsr-3870	218	11	mean	mean	ADJ
fsr-3870	218	12	quiz	quiz	NOUN
fsr-3870	218	13	scores	score	NOUN
fsr-3870	218	14	than	than	ADP
fsr-3870	218	15	other	other	ADJ
fsr-3870	218	16	survey	survey	NOUN
fsr-3870	218	17	respondents	respondent	NOUN
fsr-3870	218	18	.	.	PUNCT
fsr-3870	219	1	although	although	SCONJ
fsr-3870	219	2	not	not	PART
fsr-3870	219	3	presented	present	VERB
fsr-3870	219	4	,	,	PUNCT
fsr-3870	219	5	we	we	PRON
fsr-3870	219	6	examine	examine	VERB
fsr-3870	219	7	financial	financial	ADJ
fsr-3870	219	8	literacy	literacy	NOUN
fsr-3870	219	9	results	result	NOUN
fsr-3870	219	10	by	by	ADP
fsr-3870	219	11	the	the	DET
fsr-3870	219	12	number	number	NOUN
fsr-3870	219	13	of	of	ADP
fsr-3870	219	14	channels	channel	NOUN
fsr-3870	219	15	used	use	VERB
fsr-3870	219	16	by	by	ADP
fsr-3870	219	17	the	the	DET
fsr-3870	219	18	respondent	respondent	NOUN
fsr-3870	219	19	to	to	PART
fsr-3870	219	20	purchase	purchase	VERB
fsr-3870	219	21	mutual	mutual	ADJ
fsr-3870	219	22	funds	fund	NOUN
fsr-3870	219	23	,	,	PUNCT
fsr-3870	219	24	and	and	CCONJ
fsr-3870	219	25	several	several	ADJ
fsr-3870	219	26	demographic	demographic	ADJ
fsr-3870	219	27	and	and	CCONJ
fsr-3870	219	28	financial	financial	ADJ
fsr-3870	219	29	characteristics	characteristic	NOUN
fsr-3870	219	30	,	,	PUNCT
fsr-3870	219	31	as	as	ADV
fsr-3870	219	32	well	well	ADV
fsr-3870	219	33	as	as	ADV
fsr-3870	219	34	best	good	ADJ
fsr-3870	219	35	source	source	NOUN
fsr-3870	219	36	of	of	ADP
fsr-3870	219	37	information	information	NOUN
fsr-3870	219	38	.	.	PUNCT
fsr-3870	220	1	first	first	ADV
fsr-3870	220	2	,	,	PUNCT
fsr-3870	220	3	multiple	multiple	ADJ
fsr-3870	220	4	-	-	PUNCT
fsr-3870	220	5	channel	channel	NOUN
fsr-3870	220	6	purchasers	purchaser	NOUN
fsr-3870	220	7	have	have	VERB
fsr-3870	220	8	significantly	significantly	ADV
fsr-3870	220	9	higher	high	ADJ
fsr-3870	220	10	quiz	quiz	NOUN
fsr-3870	220	11	scores	score	NOUN
fsr-3870	220	12	than	than	ADP
fsr-3870	220	13	those	those	PRON
fsr-3870	220	14	who	who	PRON
fsr-3870	220	15	used	use	VERB
fsr-3870	220	16	only	only	ADV
fsr-3870	220	17	a	a	DET
fsr-3870	220	18	single	single	ADJ
fsr-3870	220	19	channel	channel	NOUN
fsr-3870	220	20	(	(	PUNCT
fsr-3870	220	21	5.70	5.70	NUM
fsr-3870	220	22	vs.	vs.	ADP
fsr-3870	220	23	4.44	4.44	NUM
fsr-3870	220	24	,	,	PUNCT
fsr-3870	220	25	respectively	respectively	ADV
fsr-3870	220	26	)	)	PUNCT
fsr-3870	220	27	,	,	PUNCT
fsr-3870	220	28	with	with	ADP
fsr-3870	220	29	the	the	DET
fsr-3870	220	30	largest	large	ADJ
fsr-3870	220	31	difference	difference	NOUN
fsr-3870	220	32	,	,	PUNCT
fsr-3870	220	33	except	except	SCONJ
fsr-3870	220	34	other	other	ADJ
fsr-3870	220	35	,	,	PUNCT
fsr-3870	220	36	being	be	AUX
fsr-3870	220	37	in	in	ADP
fsr-3870	220	38	the	the	DET
fsr-3870	220	39	pension	pension	NOUN
fsr-3870	220	40	channel	channel	NOUN
fsr-3870	220	41	(	(	PUNCT
fsr-3870	220	42	5.78	5.78	NUM
fsr-3870	220	43	vs.	vs.	ADP
fsr-3870	220	44	4.21	4.21	NUM
fsr-3870	220	45	)	)	PUNCT
fsr-3870	220	46	.	.	PUNCT
fsr-3870	221	1	this	this	PRON
fsr-3870	221	2	is	be	AUX
fsr-3870	221	3	of	of	ADP
fsr-3870	221	4	particular	particular	ADJ
fsr-3870	221	5	interest	interest	NOUN
fsr-3870	221	6	,	,	PUNCT
fsr-3870	221	7	given	give	VERB
fsr-3870	221	8	the	the	DET
fsr-3870	221	9	recent	recent	ADJ
fsr-3870	221	10	rapid	rapid	ADJ
fsr-3870	221	11	growth	growth	NOUN
fsr-3870	221	12	in	in	ADP
fsr-3870	221	13	401(k	401(k	PROPN
fsr-3870	221	14	)	)	PUNCT
fsr-3870	221	15	plans	plan	NOUN
fsr-3870	221	16	.	.	PUNCT
fsr-3870	222	1	second	second	ADJ
fsr-3870	222	2	,	,	PUNCT
fsr-3870	222	3	average	average	ADJ
fsr-3870	222	4	quiz	quiz	NOUN
fsr-3870	222	5	score	score	NOUN
fsr-3870	222	6	was	be	AUX
fsr-3870	222	7	higher	high	ADJ
fsr-3870	222	8	for	for	ADP
fsr-3870	222	9	males	male	NOUN
fsr-3870	222	10	and	and	CCONJ
fsr-3870	222	11	for	for	ADP
fsr-3870	222	12	those	those	DET
fsr-3870	222	13	respondents	respondent	NOUN
fsr-3870	222	14	who	who	PRON
fsr-3870	222	15	work	work	VERB
fsr-3870	222	16	in	in	ADP
fsr-3870	222	17	the	the	DET
fsr-3870	222	18	financial	financial	ADJ
fsr-3870	222	19	services	service	NOUN
fsr-3870	222	20	industry	industry	NOUN
fsr-3870	222	21	,	,	PUNCT
fsr-3870	222	22	and	and	CCONJ
fsr-3870	222	23	generally	generally	ADV
fsr-3870	222	24	increased	increase	VERB
fsr-3870	222	25	with	with	ADP
fsr-3870	222	26	age	age	NOUN
fsr-3870	222	27	,	,	PUNCT
fsr-3870	222	28	education	education	NOUN
fsr-3870	222	29	,	,	PUNCT
fsr-3870	222	30	and	and	CCONJ
fsr-3870	222	31	income	income	NOUN
fsr-3870	222	32	.	.	PUNCT
fsr-3870	223	1	finally	finally	ADV
fsr-3870	223	2	,	,	PUNCT
fsr-3870	223	3	in	in	ADP
fsr-3870	223	4	terms	term	NOUN
fsr-3870	223	5	of	of	ADP
fsr-3870	223	6	best	good	ADJ
fsr-3870	223	7	source	source	NOUN
fsr-3870	223	8	of	of	ADP
fsr-3870	223	9	information	information	NOUN
fsr-3870	223	10	,	,	PUNCT
fsr-3870	223	11	respondents	respondent	NOUN
fsr-3870	223	12	who	who	PRON
fsr-3870	223	13	reported	report	VERB
fsr-3870	223	14	that	that	SCONJ
fsr-3870	223	15	financial	financial	ADJ
fsr-3870	223	16	publications	publication	NOUN
fsr-3870	223	17	and	and	CCONJ
fsr-3870	223	18	the	the	DET
fsr-3870	223	19	prospectus	prospectus	NOUN
fsr-3870	223	20	were	be	AUX
fsr-3870	223	21	the	the	DET
fsr-3870	223	22	best	good	ADJ
fsr-3870	223	23	sources	source	NOUN
fsr-3870	223	24	of	of	ADP
fsr-3870	223	25	information	information	NOUN
fsr-3870	223	26	scored	score	VERB
fsr-3870	223	27	significantly	significantly	ADV
fsr-3870	223	28	higher	higher	ADV
fsr-3870	223	29	on	on	ADP
fsr-3870	223	30	the	the	DET
fsr-3870	223	31	quiz	quiz	NOUN
fsr-3870	223	32	.	.	PUNCT
fsr-3870	224	1	in	in	ADP
fsr-3870	224	2	contrast	contrast	NOUN
fsr-3870	224	3	,	,	PUNCT
fsr-3870	224	4	those	those	DET
fsr-3870	224	5	respondents	respondent	NOUN
fsr-3870	224	6	who	who	PRON
fsr-3870	224	7	relied	rely	VERB
fsr-3870	224	8	on	on	ADP
fsr-3870	224	9	family	family	NOUN
fsr-3870	224	10	or	or	CCONJ
fsr-3870	224	11	friends	friend	NOUN
fsr-3870	224	12	,	,	PUNCT
fsr-3870	224	13	bank	bank	NOUN
fsr-3870	224	14	representatives	representative	NOUN
fsr-3870	224	15	,	,	PUNCT
fsr-3870	224	16	employerprovided	employerprovide	VERB
fsr-3870	224	17	printed	print	VERB
fsr-3870	224	18	materials	material	NOUN
fsr-3870	224	19	,	,	PUNCT
fsr-3870	224	20	and	and	CCONJ
fsr-3870	224	21	insurance	insurance	NOUN
fsr-3870	224	22	company	company	NOUN
fsr-3870	224	23	representatives	representative	NOUN
fsr-3870	224	24	scored	score	VERB
fsr-3870	224	25	significantly	significantly	ADV
fsr-3870	224	26	lower	low	ADJ
fsr-3870	224	27	.	.	PUNCT
fsr-3870	225	1	5.3	5.3	NUM
fsr-3870	225	2	.	.	PUNCT
fsr-3870	226	1	quiz	quiz	PROPN
fsr-3870	226	2	score	score	PROPN
fsr-3870	226	3	logit	logit	PROPN
fsr-3870	226	4	analysis	analysis	NOUN
fsr-3870	226	5	in	in	ADP
fsr-3870	226	6	the	the	DET
fsr-3870	226	7	previous	previous	ADJ
fsr-3870	226	8	section	section	NOUN
fsr-3870	227	1	,	,	PUNCT
fsr-3870	227	2	we	we	PRON
fsr-3870	227	3	examined	examine	VERB
fsr-3870	227	4	quiz	quiz	NOUN
fsr-3870	227	5	scores	score	NOUN
fsr-3870	227	6	by	by	ADP
fsr-3870	227	7	considering	consider	VERB
fsr-3870	227	8	the	the	DET
fsr-3870	227	9	individual	individual	ADJ
fsr-3870	227	10	factors	factor	NOUN
fsr-3870	227	11	one	one	NUM
fsr-3870	227	12	at	at	ADP
fsr-3870	227	13	a	a	DET
fsr-3870	227	14	time	time	NOUN
fsr-3870	227	15	.	.	PUNCT
fsr-3870	228	1	in	in	ADP
fsr-3870	228	2	comparison	comparison	NOUN
fsr-3870	228	3	,	,	PUNCT
fsr-3870	228	4	a	a	DET
fsr-3870	228	5	multivariate	multivariate	NOUN
fsr-3870	228	6	analysis	analysis	NOUN
fsr-3870	228	7	assesses	assesse	NOUN
fsr-3870	228	8	how	how	SCONJ
fsr-3870	228	9	the	the	DET
fsr-3870	228	10	quiz	quiz	NOUN
fsr-3870	228	11	score	score	VERB
fsr-3870	228	12	varies	vary	VERB
fsr-3870	228	13	by	by	ADP
fsr-3870	228	14	particular	particular	ADJ
fsr-3870	228	15	factors	factor	NOUN
fsr-3870	228	16	,	,	PUNCT
fsr-3870	228	17	holding	hold	VERB
fsr-3870	228	18	constant	constant	ADJ
fsr-3870	228	19	the	the	DET
fsr-3870	228	20	effects	effect	NOUN
fsr-3870	228	21	of	of	ADP
fsr-3870	228	22	a	a	DET
fsr-3870	228	23	wide	wide	ADJ
fsr-3870	228	24	set	set	NOUN
fsr-3870	228	25	of	of	ADP
fsr-3870	228	26	other	other	ADJ
fsr-3870	228	27	factors	factor	NOUN
fsr-3870	228	28	.	.	PUNCT
fsr-3870	229	1	we	we	PRON
fsr-3870	229	2	use	use	VERB
fsr-3870	229	3	a	a	DET
fsr-3870	229	4	multivariate	multivariate	NOUN
fsr-3870	229	5	analysis	analysis	NOUN
fsr-3870	229	6	based	base	VERB
fsr-3870	229	7	on	on	ADP
fsr-3870	229	8	a	a	DET
fsr-3870	229	9	logit	logit	NOUN
fsr-3870	229	10	model	model	NOUN
fsr-3870	229	11	.	.	PUNCT
fsr-3870	230	1	this	this	DET
fsr-3870	230	2	analysis	analysis	NOUN
fsr-3870	230	3	makes	make	VERB
fsr-3870	230	4	it	it	PRON
fsr-3870	230	5	is	be	AUX
fsr-3870	230	6	possible	possible	ADJ
fsr-3870	230	7	to	to	PART
fsr-3870	230	8	assess	assess	VERB
fsr-3870	230	9	the	the	DET
fsr-3870	230	10	linkage	linkage	NOUN
fsr-3870	230	11	between	between	ADP
fsr-3870	230	12	the	the	DET
fsr-3870	230	13	quiz	quiz	NOUN
fsr-3870	230	14	score	score	VERB
fsr-3870	230	15	to	to	ADP
fsr-3870	230	16	demographic	demographic	ADJ
fsr-3870	230	17	and	and	CCONJ
fsr-3870	230	18	financial	financial	ADJ
fsr-3870	230	19	characteristics	characteristic	NOUN
fsr-3870	230	20	,	,	PUNCT
fsr-3870	230	21	and	and	CCONJ
fsr-3870	230	22	to	to	ADP
fsr-3870	230	23	other	other	ADJ
fsr-3870	230	24	factors	factor	NOUN
fsr-3870	230	25	such	such	ADJ
fsr-3870	230	26	as	as	ADP
fsr-3870	230	27	sources	source	NOUN
fsr-3870	230	28	of	of	ADP
fsr-3870	230	29	information	information	NOUN
fsr-3870	230	30	and	and	CCONJ
fsr-3870	230	31	distribution	distribution	NOUN
fsr-3870	230	32	channel	channel	NOUN
fsr-3870	230	33	used	use	VERB
fsr-3870	230	34	.	.	PUNCT
fsr-3870	231	1	table	table	NOUN
fsr-3870	231	2	7	7	NUM
fsr-3870	231	3	reports	report	VERB
fsr-3870	231	4	the	the	DET
fsr-3870	231	5	results	result	NOUN
fsr-3870	231	6	for	for	ADP
fsr-3870	231	7	this	this	DET
fsr-3870	231	8	model	model	NOUN
fsr-3870	231	9	,	,	PUNCT
fsr-3870	231	10	displaying	display	VERB
fsr-3870	231	11	maximum	maximum	ADJ
fsr-3870	231	12	-	-	PUNCT
fsr-3870	231	13	likelihood	likelihood	NOUN
fsr-3870	231	14	coefficient	coefficient	NOUN
fsr-3870	231	15	estimates	estimate	NOUN
fsr-3870	231	16	and	and	CCONJ
fsr-3870	231	17	their	their	PRON
fsr-3870	231	18	asymptotic	asymptotic	ADJ
fsr-3870	231	19	t	t	PROPN
fsr-3870	231	20	-	-	PUNCT
fsr-3870	231	21	statistics	statistic	NOUN
fsr-3870	231	22	along	along	ADP
fsr-3870	231	23	with	with	ADP
fsr-3870	231	24	a	a	DET
fsr-3870	231	25	chi	chi	ADJ
fsr-3870	231	26	-	-	PUNCT
fsr-3870	231	27	squared	square	VERB
fsr-3870	231	28	measure	measure	NOUN
fsr-3870	231	29	of	of	ADP
fsr-3870	231	30	overall	overall	ADJ
fsr-3870	231	31	goodness	goodness	NOUN
fsr-3870	231	32	of	of	ADP
fsr-3870	231	33	fit	fit	NOUN
fsr-3870	231	34	and	and	CCONJ
fsr-3870	231	35	its	its	PRON
fsr-3870	231	36	p	p	NOUN
fsr-3870	231	37	-	-	PUNCT
fsr-3870	231	38	value	value	NOUN
fsr-3870	231	39	,	,	PUNCT
fsr-3870	231	40	the	the	DET
fsr-3870	231	41	proportion	proportion	NOUN
fsr-3870	231	42	of	of	ADP
fsr-3870	231	43	correctly	correctly	ADV
fsr-3870	231	44	predicted	predict	VERB
fsr-3870	231	45	quiz	quiz	PROPN
fsr-3870	231	46	scores	score	NOUN
fsr-3870	231	47	,	,	PUNCT
fsr-3870	231	48	and	and	CCONJ
fsr-3870	231	49	the	the	DET
fsr-3870	231	50	total	total	ADJ
fsr-3870	231	51	number	number	NOUN
fsr-3870	231	52	of	of	ADP
fsr-3870	231	53	observations	observation	NOUN
fsr-3870	231	54	.	.	PUNCT
fsr-3870	232	1	overall	overall	ADV
fsr-3870	232	2	,	,	PUNCT
fsr-3870	232	3	the	the	DET
fsr-3870	232	4	model	model	NOUN
fsr-3870	232	5	can	can	AUX
fsr-3870	232	6	be	be	AUX
fsr-3870	232	7	viewed	view	VERB
fsr-3870	232	8	as	as	ADP
fsr-3870	232	9	a	a	DET
fsr-3870	232	10	way	way	NOUN
fsr-3870	232	11	of	of	ADP
fsr-3870	232	12	seeing	see	VERB
fsr-3870	232	13	if	if	SCONJ
fsr-3870	232	14	the	the	DET
fsr-3870	232	15	various	various	ADJ
fsr-3870	232	16	items	item	NOUN
fsr-3870	232	17	of	of	ADP
fsr-3870	232	18	information	information	NOUN
fsr-3870	232	19	provided	provide	VERB
fsr-3870	232	20	by	by	ADP
fsr-3870	232	21	respondents	respondent	NOUN
fsr-3870	232	22	can	can	AUX
fsr-3870	232	23	be	be	AUX
fsr-3870	232	24	used	use	VERB
fsr-3870	232	25	to	to	PART
fsr-3870	232	26	predict	predict	VERB
fsr-3870	232	27	whether	whether	SCONJ
fsr-3870	232	28	they	they	PRON
fsr-3870	232	29	are	be	AUX
fsr-3870	232	30	above	above	ADP
fsr-3870	232	31	or	or	CCONJ
fsr-3870	232	32	below	below	ADP
fsr-3870	232	33	average	average	NOUN
fsr-3870	232	34	in	in	ADP
fsr-3870	232	35	their	their	PRON
fsr-3870	232	36	financial	financial	ADJ
fsr-3870	232	37	literacy	literacy	NOUN
fsr-3870	232	38	.	.	PUNCT
fsr-3870	233	1	thus	thus	ADV
fsr-3870	233	2	,	,	PUNCT
fsr-3870	233	3	the	the	DET
fsr-3870	233	4	dependent	dependent	ADJ
fsr-3870	233	5	variable	variable	NOUN
fsr-3870	233	6	in	in	ADP
fsr-3870	233	7	the	the	DET
fsr-3870	233	8	multivariate	multivariate	NOUN
fsr-3870	233	9	model	model	NOUN
fsr-3870	233	10	is	be	AUX
fsr-3870	233	11	a	a	DET
fsr-3870	233	12	discrete	discrete	ADJ
fsr-3870	233	13	random	random	ADJ
fsr-3870	233	14	variable	variable	NOUN
fsr-3870	233	15	that	that	PRON
fsr-3870	233	16	takes	take	VERB
fsr-3870	233	17	on	on	ADP
fsr-3870	233	18	a	a	DET
fsr-3870	233	19	value	value	NOUN
fsr-3870	233	20	of	of	ADP
fsr-3870	233	21	either	either	DET
fsr-3870	233	22	one	one	NUM
fsr-3870	233	23	or	or	CCONJ
fsr-3870	233	24	zero	zero	NUM
fsr-3870	233	25	for	for	ADP
fsr-3870	233	26	each	each	DET
fsr-3870	233	27	respondent	respondent	NOUN
fsr-3870	233	28	,	,	PUNCT
fsr-3870	233	29	depending	depend	VERB
fsr-3870	233	30	on	on	ADP
fsr-3870	233	31	whether	whether	SCONJ
fsr-3870	233	32	the	the	DET
fsr-3870	233	33	respondents	respondent	NOUN
fsr-3870	233	34	quiz	quiz	PROPN
fsr-3870	233	35	score	score	NOUN
fsr-3870	233	36	placed	place	VERB
fsr-3870	233	37	him	he	PRON
fsr-3870	233	38	or	or	CCONJ
fsr-3870	233	39	her	she	PRON
fsr-3870	233	40	in	in	ADP
fsr-3870	233	41	the	the	DET
fsr-3870	233	42	top	top	ADJ
fsr-3870	233	43	or	or	CCONJ
fsr-3870	233	44	bottom	bottom	ADJ
fsr-3870	233	45	half	half	NOUN
fsr-3870	233	46	of	of	ADP
fsr-3870	233	47	the	the	DET
fsr-3870	233	48	quiz	quiz	NOUN
fsr-3870	233	49	score	score	VERB
fsr-3870	233	50	distribution	distribution	NOUN
fsr-3870	233	51	.	.	PUNCT
fsr-3870	234	1	while	while	SCONJ
fsr-3870	234	2	dividing	divide	VERB
fsr-3870	234	3	the	the	DET
fsr-3870	234	4	sample	sample	NOUN
fsr-3870	234	5	into	into	ADP
fsr-3870	234	6	halves	half	NOUN
fsr-3870	234	7	is	be	AUX
fsr-3870	234	8	arbitrary	arbitrary	ADJ
fsr-3870	234	9	,	,	PUNCT
fsr-3870	234	10	the	the	DET
fsr-3870	234	11	results	result	NOUN
fsr-3870	234	12	do	do	AUX
fsr-3870	234	13	not	not	PART
fsr-3870	234	14	differ	differ	VERB
fsr-3870	234	15	when	when	SCONJ
fsr-3870	234	16	the	the	DET
fsr-3870	234	17	sample	sample	NOUN
fsr-3870	234	18	is	be	AUX
fsr-3870	234	19	divided	divide	VERB
fsr-3870	234	20	into	into	ADP
fsr-3870	234	21	tertiles	tertile	NOUN
fsr-3870	234	22	,	,	PUNCT
fsr-3870	234	23	quartiles	quartile	NOUN
fsr-3870	234	24	,	,	PUNCT
fsr-3870	234	25	and	and	CCONJ
fsr-3870	234	26	quintiles	quintile	NOUN
fsr-3870	234	27	.	.	PUNCT
fsr-3870	235	1	similarly	similarly	ADV
fsr-3870	235	2	,	,	PUNCT
fsr-3870	235	3	the	the	DET
fsr-3870	235	4	results	result	NOUN
fsr-3870	235	5	were	be	AUX
fsr-3870	235	6	also	also	ADV
fsr-3870	235	7	insensitive	insensitive	ADJ
fsr-3870	235	8	to	to	ADP
fsr-3870	235	9	different	different	ADJ
fsr-3870	235	10	indices	index	NOUN
fsr-3870	235	11	of	of	ADP
fsr-3870	235	12	knowledge	knowledge	NOUN
fsr-3870	235	13	measured	measure	VERB
fsr-3870	235	14	by	by	ADP
fsr-3870	235	15	several	several	ADJ
fsr-3870	235	16	alternative	alternative	ADJ
fsr-3870	235	17	subsets	subset	NOUN
fsr-3870	235	18	of	of	ADP
fsr-3870	235	19	the	the	DET
fsr-3870	235	20	quiz	quiz	NOUN
fsr-3870	235	21	questions	question	NOUN
fsr-3870	235	22	.	.	PUNCT
fsr-3870	236	1	we	we	PRON
fsr-3870	236	2	use	use	VERB
fsr-3870	236	3	a	a	DET
fsr-3870	236	4	large	large	ADJ
fsr-3870	236	5	number	number	NOUN
fsr-3870	236	6	of	of	ADP
fsr-3870	236	7	explanatory	explanatory	ADJ
fsr-3870	236	8	variables	variable	NOUN
fsr-3870	236	9	in	in	ADP
fsr-3870	236	10	the	the	DET
fsr-3870	236	11	estimation	estimation	NOUN
fsr-3870	236	12	.	.	PUNCT
fsr-3870	237	1	included	include	VERB
fsr-3870	237	2	among	among	ADP
fsr-3870	237	3	these	these	PRON
fsr-3870	237	4	are	be	AUX
fsr-3870	237	5	several	several	ADJ
fsr-3870	237	6	dummy	dummy	NOUN
fsr-3870	237	7	(	(	PUNCT
fsr-3870	237	8	or	or	CCONJ
fsr-3870	237	9	indicator	indicator	NOUN
fsr-3870	237	10	)	)	PUNCT
fsr-3870	237	11	variables	variable	NOUN
fsr-3870	237	12	.	.	PUNCT
fsr-3870	238	1	the	the	DET
fsr-3870	238	2	demographic	demographic	ADJ
fsr-3870	238	3	dummy	dummy	ADJ
fsr-3870	238	4	variables	variable	NOUN
fsr-3870	238	5	male	male	NOUN
fsr-3870	238	6	,	,	PUNCT
fsr-3870	238	7	college_grad	college_grad	PROPN
fsr-3870	238	8	,	,	PUNCT
fsr-3870	238	9	work_fin_inst	work_fin_inst	NUM
fsr-3870	238	10	,	,	PUNCT
fsr-3870	238	11	age	age	NOUN
fsr-3870	238	12	,	,	PUNCT
fsr-3870	238	13	num_funds	num_fund	NOUN
fsr-3870	238	14	,	,	PUNCT
fsr-3870	238	15	income	income	NOUN
fsr-3870	238	16	,	,	PUNCT
fsr-3870	238	17	and	and	CCONJ
fsr-3870	238	18	seasoned	season	VERB
fsr-3870	238	19	take	take	VERB
fsr-3870	238	20	on	on	ADP
fsr-3870	238	21	a	a	DET
fsr-3870	238	22	value	value	NOUN
fsr-3870	238	23	of	of	ADP
fsr-3870	238	24	1	1	NUM
fsr-3870	238	25	(	(	PUNCT
fsr-3870	238	26	0	0	NUM
fsr-3870	238	27	otherwise	otherwise	ADV
fsr-3870	238	28	)	)	PUNCT
fsr-3870	238	29	if	if	SCONJ
fsr-3870	238	30	the	the	DET
fsr-3870	238	31	respondent	respondent	NOUN
fsr-3870	238	32	is	be	AUX
fsr-3870	238	33	a	a	DET
fsr-3870	238	34	male	male	NOUN
fsr-3870	238	35	,	,	PUNCT
fsr-3870	238	36	is	be	AUX
fsr-3870	238	37	a	a	DET
fsr-3870	238	38	college	college	NOUN
fsr-3870	238	39	graduate	graduate	NOUN
fsr-3870	238	40	,	,	PUNCT
fsr-3870	238	41	works	work	VERB
fsr-3870	238	42	at	at	ADP
fsr-3870	238	43	a	a	DET
fsr-3870	238	44	financial	financial	ADJ
fsr-3870	238	45	institution	institution	NOUN
fsr-3870	238	46	,	,	PUNCT
fsr-3870	238	47	is	be	AUX
fsr-3870	238	48	older	old	ADJ
fsr-3870	238	49	than	than	ADP
fsr-3870	238	50	43	43	NUM
fsr-3870	238	51	years	year	NOUN
fsr-3870	238	52	of	of	ADP
fsr-3870	238	53	age	age	NOUN
fsr-3870	238	54	,	,	PUNCT
fsr-3870	238	55	owns	own	VERB
fsr-3870	238	56	three	three	NUM
fsr-3870	238	57	or	or	CCONJ
fsr-3870	238	58	more	more	ADJ
fsr-3870	238	59	funds	fund	NOUN
fsr-3870	238	60	,	,	PUNCT
fsr-3870	238	61	has	have	AUX
fsr-3870	238	62	313g.j	313g.j	NOUN
fsr-3870	238	63	.	.	PUNCT
fsr-3870	239	1	alexander	alexander	PROPN
fsr-3870	239	2	et	et	PROPN
fsr-3870	239	3	al	al	PROPN
fsr-3870	239	4	.	.	PUNCT
fsr-3870	239	5	/	/	SYM
fsr-3870	239	6	financial	financial	ADJ
fsr-3870	239	7	services	service	NOUN
fsr-3870	239	8	review	review	VERB
fsr-3870	239	9	7	7	NUM
fsr-3870	239	10	(	(	PUNCT
fsr-3870	239	11	1998	1998	NUM
fsr-3870	239	12	)	)	PUNCT
fsr-3870	239	13	301–316	301–316	NUM
fsr-3870	239	14	household	household	NOUN
fsr-3870	239	15	income	income	NOUN
fsr-3870	239	16	greater	great	ADJ
fsr-3870	239	17	than	than	ADP
fsr-3870	239	18	$	$	SYM
fsr-3870	239	19	75,000	75,000	NUM
fsr-3870	239	20	,	,	PUNCT
fsr-3870	239	21	and	and	CCONJ
fsr-3870	239	22	purchased	purchase	VERB
fsr-3870	239	23	a	a	DET
fsr-3870	239	24	mutual	mutual	ADJ
fsr-3870	239	25	fund	fund	NOUN
fsr-3870	239	26	prior	prior	ADV
fsr-3870	239	27	to	to	ADP
fsr-3870	239	28	1993	1993	NUM
fsr-3870	239	29	,	,	PUNCT
fsr-3870	239	30	respectively	respectively	ADV
fsr-3870	239	31	.	.	PUNCT
fsr-3870	240	1	also	also	ADV
fsr-3870	240	2	included	include	VERB
fsr-3870	240	3	are	be	AUX
fsr-3870	240	4	dummy	dummy	ADJ
fsr-3870	240	5	variables	variable	NOUN
fsr-3870	240	6	for	for	ADP
fsr-3870	240	7	the	the	DET
fsr-3870	240	8	best	good	ADJ
fsr-3870	240	9	source	source	NOUN
fsr-3870	240	10	of	of	ADP
fsr-3870	240	11	information	information	NOUN
fsr-3870	240	12	used	use	VERB
fsr-3870	240	13	in	in	ADP
fsr-3870	240	14	purchasing	purchase	VERB
fsr-3870	240	15	the	the	DET
fsr-3870	240	16	most	most	ADV
fsr-3870	240	17	recent	recent	ADJ
fsr-3870	240	18	mutual	mutual	ADJ
fsr-3870	240	19	fund	fund	NOUN
fsr-3870	240	20	.	.	PUNCT
fsr-3870	241	1	to	to	PART
fsr-3870	241	2	avoid	avoid	VERB
fsr-3870	241	3	collinearity	collinearity	NOUN
fsr-3870	241	4	problems	problem	NOUN
fsr-3870	241	5	,	,	PUNCT
fsr-3870	241	6	a	a	DET
fsr-3870	241	7	separate	separate	ADJ
fsr-3870	241	8	dummy	dummy	ADJ
fsr-3870	241	9	variable	variable	NOUN
fsr-3870	241	10	was	be	AUX
fsr-3870	241	11	not	not	PART
fsr-3870	241	12	included	include	VERB
fsr-3870	241	13	for	for	ADP
fsr-3870	241	14	respondents	respondent	NOUN
fsr-3870	241	15	naming	name	VERB
fsr-3870	241	16	“	"	PUNCT
fsr-3870	241	17	other	other	ADJ
fsr-3870	241	18	”	"	PUNCT
fsr-3870	241	19	as	as	ADP
fsr-3870	241	20	the	the	DET
fsr-3870	241	21	best	good	ADJ
fsr-3870	241	22	source	source	NOUN
fsr-3870	241	23	of	of	ADP
fsr-3870	241	24	information	information	NOUN
fsr-3870	241	25	.	.	PUNCT
fsr-3870	242	1	the	the	DET
fsr-3870	242	2	dummy	dummy	ADJ
fsr-3870	242	3	variables	variable	NOUN
fsr-3870	242	4	publications	publication	NOUN
fsr-3870	242	5	,	,	PUNCT
fsr-3870	242	6	prospectus	prospectus	NOUN
fsr-3870	242	7	,	,	PUNCT
fsr-3870	242	8	broker	broker	NOUN
fsr-3870	242	9	,	,	PUNCT
fsr-3870	242	10	banker	banker	NOUN
fsr-3870	242	11	,	,	PUNCT
fsr-3870	242	12	employer	employer	NOUN
fsr-3870	242	13	,	,	PUNCT
fsr-3870	242	14	and	and	CCONJ
fsr-3870	242	15	family	family	NOUN
fsr-3870	242	16	take	take	VERB
fsr-3870	242	17	on	on	ADP
fsr-3870	242	18	a	a	DET
fsr-3870	242	19	value	value	NOUN
fsr-3870	242	20	of	of	ADP
fsr-3870	242	21	1	1	NUM
fsr-3870	242	22	(	(	PUNCT
fsr-3870	242	23	0	0	NUM
fsr-3870	242	24	otherwise	otherwise	ADV
fsr-3870	242	25	)	)	PUNCT
fsr-3870	242	26	if	if	SCONJ
fsr-3870	242	27	the	the	DET
fsr-3870	242	28	best	good	ADJ
fsr-3870	242	29	source	source	NOUN
fsr-3870	242	30	of	of	ADP
fsr-3870	242	31	information	information	NOUN
fsr-3870	242	32	is	be	AUX
fsr-3870	242	33	,	,	PUNCT
fsr-3870	242	34	respectively	respectively	ADV
fsr-3870	242	35	financial	financial	ADJ
fsr-3870	242	36	publications	publication	NOUN
fsr-3870	242	37	,	,	PUNCT
fsr-3870	242	38	mutual	mutual	ADJ
fsr-3870	242	39	fund	fund	NOUN
fsr-3870	242	40	prospectuses	prospectus	NOUN
fsr-3870	242	41	,	,	PUNCT
fsr-3870	242	42	brokers	broker	NOUN
fsr-3870	242	43	,	,	PUNCT
fsr-3870	242	44	bankers	banker	NOUN
fsr-3870	242	45	,	,	PUNCT
fsr-3870	242	46	employerprovided	employerprovide	VERB
fsr-3870	242	47	printed	print	VERB
fsr-3870	242	48	materials	material	NOUN
fsr-3870	242	49	,	,	PUNCT
fsr-3870	242	50	and	and	CCONJ
fsr-3870	242	51	family	family	NOUN
fsr-3870	242	52	or	or	CCONJ
fsr-3870	242	53	friends	friend	NOUN
fsr-3870	242	54	.	.	PUNCT
fsr-3870	243	1	it	it	PRON
fsr-3870	243	2	should	should	AUX
fsr-3870	243	3	be	be	AUX
fsr-3870	243	4	noted	note	VERB
fsr-3870	243	5	the	the	DET
fsr-3870	243	6	number	number	NOUN
fsr-3870	243	7	of	of	ADP
fsr-3870	243	8	respondents	respondent	NOUN
fsr-3870	243	9	in	in	ADP
fsr-3870	243	10	the	the	DET
fsr-3870	243	11	multivariate	multivariate	NOUN
fsr-3870	243	12	analysis	analysis	NOUN
fsr-3870	243	13	is	be	AUX
fsr-3870	243	14	1,554	1,554	NUM
fsr-3870	243	15	since	since	SCONJ
fsr-3870	243	16	446	446	NUM
fsr-3870	243	17	respondents	respondent	NOUN
fsr-3870	243	18	did	do	AUX
fsr-3870	243	19	not	not	PART
fsr-3870	243	20	provide	provide	VERB
fsr-3870	243	21	answers	answer	NOUN
fsr-3870	243	22	to	to	ADP
fsr-3870	243	23	one	one	NUM
fsr-3870	243	24	or	or	CCONJ
fsr-3870	243	25	more	more	ADJ
fsr-3870	243	26	of	of	ADP
fsr-3870	243	27	the	the	DET
fsr-3870	243	28	questions	question	NOUN
fsr-3870	243	29	such	such	ADJ
fsr-3870	243	30	as	as	ADP
fsr-3870	243	31	age	age	NOUN
fsr-3870	243	32	or	or	CCONJ
fsr-3870	243	33	income	income	NOUN
fsr-3870	243	34	.	.	PUNCT
fsr-3870	244	1	the	the	DET
fsr-3870	244	2	results	result	NOUN
fsr-3870	244	3	of	of	ADP
fsr-3870	244	4	this	this	DET
fsr-3870	244	5	exercise	exercise	NOUN
fsr-3870	244	6	indicate	indicate	VERB
fsr-3870	244	7	that	that	SCONJ
fsr-3870	244	8	there	there	PRON
fsr-3870	244	9	is	be	VERB
fsr-3870	244	10	a	a	DET
fsr-3870	244	11	significant	significant	ADJ
fsr-3870	244	12	positive	positive	ADJ
fsr-3870	244	13	relationship	relationship	NOUN
fsr-3870	244	14	between	between	ADP
fsr-3870	244	15	the	the	DET
fsr-3870	244	16	quiz	quiz	NOUN
fsr-3870	244	17	score	score	NOUN
fsr-3870	244	18	and	and	CCONJ
fsr-3870	244	19	five	five	NUM
fsr-3870	244	20	demographic	demographic	ADJ
fsr-3870	244	21	explanatory	explanatory	ADJ
fsr-3870	244	22	variables	variable	NOUN
fsr-3870	244	23	—	—	PUNCT
fsr-3870	244	24	being	be	AUX
fsr-3870	244	25	a	a	DET
fsr-3870	244	26	male	male	NOUN
fsr-3870	244	27	,	,	PUNCT
fsr-3870	244	28	a	a	DET
fsr-3870	244	29	college	college	NOUN
fsr-3870	244	30	graduate	graduate	NOUN
fsr-3870	244	31	,	,	PUNCT
fsr-3870	244	32	working	work	VERB
fsr-3870	244	33	at	at	ADP
fsr-3870	244	34	a	a	DET
fsr-3870	244	35	financial	financial	ADJ
fsr-3870	244	36	institution	institution	NOUN
fsr-3870	244	37	,	,	PUNCT
fsr-3870	244	38	owning	own	VERB
fsr-3870	244	39	three	three	NUM
fsr-3870	244	40	or	or	CCONJ
fsr-3870	244	41	more	more	ADJ
fsr-3870	244	42	funds	fund	NOUN
fsr-3870	244	43	,	,	PUNCT
fsr-3870	244	44	and	and	CCONJ
fsr-3870	244	45	earning	earn	VERB
fsr-3870	244	46	income	income	NOUN
fsr-3870	244	47	greater	great	ADJ
fsr-3870	244	48	than	than	ADP
fsr-3870	244	49	$	$	SYM
fsr-3870	244	50	75,000	75,000	NUM
fsr-3870	244	51	.	.	PUNCT
fsr-3870	245	1	furthermore	furthermore	ADV
fsr-3870	245	2	,	,	PUNCT
fsr-3870	245	3	those	those	DET
fsr-3870	245	4	respondents	respondent	NOUN
fsr-3870	245	5	who	who	PRON
fsr-3870	245	6	indicated	indicate	VERB
fsr-3870	245	7	that	that	SCONJ
fsr-3870	245	8	either	either	CCONJ
fsr-3870	245	9	financial	financial	ADJ
fsr-3870	245	10	publications	publication	NOUN
fsr-3870	245	11	or	or	CCONJ
fsr-3870	245	12	mutual	mutual	ADJ
fsr-3870	245	13	fund	fund	NOUN
fsr-3870	245	14	prospectuses	prospectus	NOUN
fsr-3870	245	15	were	be	AUX
fsr-3870	245	16	their	their	PRON
fsr-3870	245	17	best	good	ADJ
fsr-3870	245	18	source	source	NOUN
fsr-3870	245	19	of	of	ADP
fsr-3870	245	20	information	information	NOUN
fsr-3870	245	21	earned	earn	VERB
fsr-3870	245	22	significantly	significantly	ADV
fsr-3870	245	23	higher	high	ADJ
fsr-3870	245	24	quiz	quiz	PROPN
fsr-3870	245	25	scores	score	NOUN
fsr-3870	245	26	.	.	PUNCT
fsr-3870	246	1	the	the	DET
fsr-3870	246	2	overall	overall	ADJ
fsr-3870	246	3	fit	fit	NOUN
fsr-3870	246	4	of	of	ADP
fsr-3870	246	5	the	the	DET
fsr-3870	246	6	multivariate	multivariate	NOUN
fsr-3870	246	7	model	model	NOUN
fsr-3870	246	8	is	be	AUX
fsr-3870	246	9	good	good	ADJ
fsr-3870	246	10	,	,	PUNCT
fsr-3870	246	11	as	as	SCONJ
fsr-3870	246	12	indicated	indicate	VERB
fsr-3870	246	13	by	by	ADP
fsr-3870	246	14	the	the	DET
fsr-3870	246	15	significantly	significantly	ADV
fsr-3870	246	16	low	low	ADJ
fsr-3870	246	17	p	p	NOUN
fsr-3870	246	18	-	-	PUNCT
fsr-3870	246	19	value	value	NOUN
fsr-3870	246	20	associated	associate	VERB
fsr-3870	246	21	with	with	ADP
fsr-3870	246	22	the	the	DET
fsr-3870	246	23	chi	chi	NOUN
fsr-3870	246	24	-	-	PUNCT
fsr-3870	246	25	squared	square	VERB
fsr-3870	246	26	statistic	statistic	NOUN
fsr-3870	246	27	.	.	PUNCT
fsr-3870	247	1	in	in	ADP
fsr-3870	247	2	addition	addition	NOUN
fsr-3870	247	3	,	,	PUNCT
fsr-3870	247	4	the	the	DET
fsr-3870	247	5	model	model	NOUN
fsr-3870	247	6	was	be	AUX
fsr-3870	247	7	able	able	ADJ
fsr-3870	247	8	to	to	PART
fsr-3870	247	9	correctly	correctly	ADV
fsr-3870	247	10	identify	identify	VERB
fsr-3870	247	11	high	high	ADJ
fsr-3870	247	12	and	and	CCONJ
fsr-3870	247	13	low	low	ADJ
fsr-3870	247	14	quiz	quiz	NOUN
fsr-3870	247	15	score	score	NOUN
fsr-3870	247	16	respondents	respondent	NOUN
fsr-3870	247	17	for	for	ADP
fsr-3870	247	18	slightly	slightly	ADV
fsr-3870	247	19	more	more	ADJ
fsr-3870	247	20	table	table	NOUN
fsr-3870	247	21	7	7	NUM
fsr-3870	247	22	multivariate	multivariate	NOUN
fsr-3870	247	23	logit	logit	NOUN
fsr-3870	247	24	estimation	estimation	NOUN
fsr-3870	247	25	of	of	ADP
fsr-3870	247	26	determinants	determinant	NOUN
fsr-3870	247	27	of	of	ADP
fsr-3870	247	28	quiz	quiz	NOUN
fsr-3870	247	29	scores	score	VERB
fsr-3870	247	30	variable	variable	ADJ
fsr-3870	247	31	coefficient	coefficient	NOUN
fsr-3870	247	32	estimate	estimate	VERB
fsr-3870	247	33	t	t	NOUN
fsr-3870	247	34	-	-	PUNCT
fsr-3870	247	35	statistic	statistic	NOUN
fsr-3870	247	36	male	male	NOUN
fsr-3870	247	37	0.8320	0.8320	NUM
fsr-3870	247	38	6.75	6.75	NUM
fsr-3870	247	39	*	*	SYM
fsr-3870	247	40	college_grad	college_grad	NOUN
fsr-3870	247	41	0.6753	0.6753	NUM
fsr-3870	247	42	5.54	5.54	NUM
fsr-3870	247	43	*	*	PUNCT
fsr-3870	247	44	work_fin_inst	work_fin_inst	VERB
fsr-3870	247	45	1.1758	1.1758	NUM
fsr-3870	247	46	5.00	5.00	NUM
fsr-3870	247	47	*	*	PUNCT
fsr-3870	247	48	age	age	NOUN
fsr-3870	247	49	0.1618	0.1618	NUM
fsr-3870	247	50	1.34	1.34	NUM
fsr-3870	247	51	num_funds	num_fund	NOUN
fsr-3870	247	52	0.2530	0.2530	NUM
fsr-3870	247	53	2.08	2.08	NUM
fsr-3870	247	54	*	*	PUNCT
fsr-3870	247	55	income	income	NOUN
fsr-3870	247	56	0.5370	0.5370	NUM
fsr-3870	247	57	4.20	4.20	NUM
fsr-3870	247	58	*	*	PUNCT
fsr-3870	247	59	seasoned	season	VERB
fsr-3870	247	60	0.3609	0.3609	NUM
fsr-3870	247	61	1.54	1.54	NUM
fsr-3870	247	62	publications	publication	NOUN
fsr-3870	247	63	0.9376	0.9376	NUM
fsr-3870	247	64	3.82	3.82	NUM
fsr-3870	247	65	*	*	PUNCT
fsr-3870	247	66	prospectus	prospectus	NOUN
fsr-3870	247	67	0.5981	0.5981	NUM
fsr-3870	247	68	2.45	2.45	NUM
fsr-3870	247	69	*	*	PUNCT
fsr-3870	247	70	broker	broker	NOUN
fsr-3870	247	71	0.0707	0.0707	NUM
fsr-3870	247	72	0.29	0.29	NUM
fsr-3870	247	73	banker	banker	NOUN
fsr-3870	247	74	20.3925	20.3925	NUM
fsr-3870	247	75	21.03	21.03	NUM
fsr-3870	247	76	employer	employer	NOUN
fsr-3870	247	77	20.4336	20.4336	NUM
fsr-3870	247	78	21.85	21.85	NUM
fsr-3870	247	79	family	family	NOUN
fsr-3870	247	80	20.3051	20.3051	NUM
fsr-3870	247	81	21.20	21.20	NUM
fsr-3870	247	82	chi	chi	NOUN
fsr-3870	247	83	-	-	PUNCT
fsr-3870	247	84	squared	square	VERB
fsr-3870	247	85	statistic	statistic	NOUN
fsr-3870	247	86	302.5	302.5	NUM
fsr-3870	247	87	(	(	PUNCT
fsr-3870	247	88	p	p	NOUN
fsr-3870	247	89	-	-	PUNCT
fsr-3870	247	90	value	value	NOUN
fsr-3870	247	91	)	)	PUNCT
fsr-3870	247	92	(	(	PUNCT
fsr-3870	247	93	0.000	0.000	X
fsr-3870	247	94	)	)	PUNCT
fsr-3870	247	95	proportion	proportion	NOUN
fsr-3870	247	96	predicted	predict	VERB
fsr-3870	247	97	correctly	correctly	ADV
fsr-3870	247	98	0.701	0.701	NUM
fsr-3870	247	99	number	number	NOUN
fsr-3870	247	100	of	of	ADP
fsr-3870	247	101	observations	observation	NOUN
fsr-3870	247	102	1554	1554	NUM
fsr-3870	247	103	note	note	NOUN
fsr-3870	247	104	:	:	PUNCT
fsr-3870	247	105	quiz	quiz	PROPN
fsr-3870	247	106	score	score	NOUN
fsr-3870	247	107	is	be	AUX
fsr-3870	247	108	a	a	DET
fsr-3870	247	109	dummy	dummy	ADJ
fsr-3870	247	110	variable	variable	NOUN
fsr-3870	247	111	with	with	ADP
fsr-3870	247	112	a	a	DET
fsr-3870	247	113	1	1	NUM
fsr-3870	247	114	indicating	indicate	VERB
fsr-3870	247	115	the	the	DET
fsr-3870	247	116	respondent	respondent	NOUN
fsr-3870	247	117	scored	score	VERB
fsr-3870	247	118	in	in	ADP
fsr-3870	247	119	the	the	DET
fsr-3870	247	120	top	top	ADJ
fsr-3870	247	121	half	half	NOUN
fsr-3870	247	122	of	of	ADP
fsr-3870	247	123	the	the	DET
fsr-3870	247	124	distribution	distribution	NOUN
fsr-3870	247	125	and	and	CCONJ
fsr-3870	247	126	0	0	NUM
fsr-3870	247	127	otherwise	otherwise	ADV
fsr-3870	247	128	.	.	PUNCT
fsr-3870	248	1	the	the	DET
fsr-3870	248	2	dummy	dummy	ADJ
fsr-3870	248	3	variables	variable	NOUN
fsr-3870	248	4	,	,	PUNCT
fsr-3870	248	5	male	male	NOUN
fsr-3870	248	6	,	,	PUNCT
fsr-3870	248	7	college_grad	college_grad	ADJ
fsr-3870	248	8	,	,	PUNCT
fsr-3870	248	9	work_fin_inst	work_fin_inst	NUM
fsr-3870	248	10	,	,	PUNCT
fsr-3870	248	11	age	age	NOUN
fsr-3870	248	12	,	,	PUNCT
fsr-3870	248	13	num_funds	num_fund	NOUN
fsr-3870	248	14	,	,	PUNCT
fsr-3870	248	15	income	income	NOUN
fsr-3870	248	16	and	and	CCONJ
fsr-3870	248	17	seasoned	season	VERB
fsr-3870	248	18	take	take	VERB
fsr-3870	248	19	on	on	ADP
fsr-3870	248	20	a	a	DET
fsr-3870	248	21	value	value	NOUN
fsr-3870	248	22	of	of	ADP
fsr-3870	248	23	1	1	NUM
fsr-3870	248	24	(	(	PUNCT
fsr-3870	248	25	0	0	NUM
fsr-3870	248	26	otherwise	otherwise	ADV
fsr-3870	248	27	)	)	PUNCT
fsr-3870	248	28	if	if	SCONJ
fsr-3870	248	29	the	the	DET
fsr-3870	248	30	respondent	respondent	NOUN
fsr-3870	248	31	is	be	AUX
fsr-3870	248	32	a	a	DET
fsr-3870	248	33	male	male	NOUN
fsr-3870	248	34	,	,	PUNCT
fsr-3870	248	35	a	a	DET
fsr-3870	248	36	college	college	NOUN
fsr-3870	248	37	graduate	graduate	NOUN
fsr-3870	248	38	,	,	PUNCT
fsr-3870	248	39	works	work	VERB
fsr-3870	248	40	at	at	ADP
fsr-3870	248	41	a	a	DET
fsr-3870	248	42	financial	financial	ADJ
fsr-3870	248	43	institution	institution	NOUN
fsr-3870	248	44	,	,	PUNCT
fsr-3870	248	45	older	old	ADJ
fsr-3870	248	46	than	than	ADP
fsr-3870	248	47	43	43	NUM
fsr-3870	248	48	years	year	NOUN
fsr-3870	248	49	of	of	ADP
fsr-3870	248	50	age	age	NOUN
fsr-3870	248	51	,	,	PUNCT
fsr-3870	248	52	owns	own	VERB
fsr-3870	248	53	three	three	NUM
fsr-3870	248	54	or	or	CCONJ
fsr-3870	248	55	more	more	ADJ
fsr-3870	248	56	funds	fund	NOUN
fsr-3870	248	57	,	,	PUNCT
fsr-3870	248	58	has	have	VERB
fsr-3870	248	59	household	household	NOUN
fsr-3870	248	60	income	income	NOUN
fsr-3870	248	61	greater	great	ADJ
fsr-3870	248	62	than	than	ADP
fsr-3870	248	63	$	$	SYM
fsr-3870	248	64	75,000	75,000	NUM
fsr-3870	248	65	,	,	PUNCT
fsr-3870	248	66	and	and	CCONJ
fsr-3870	248	67	purchased	purchase	VERB
fsr-3870	248	68	a	a	DET
fsr-3870	248	69	mutual	mutual	ADJ
fsr-3870	248	70	fund	fund	NOUN
fsr-3870	248	71	prior	prior	ADV
fsr-3870	248	72	to	to	ADP
fsr-3870	248	73	1993	1993	NUM
fsr-3870	248	74	,	,	PUNCT
fsr-3870	248	75	respectively	respectively	ADV
fsr-3870	248	76	.	.	PUNCT
fsr-3870	249	1	also	also	ADV
fsr-3870	249	2	included	include	VERB
fsr-3870	249	3	are	be	AUX
fsr-3870	249	4	dummy	dummy	ADJ
fsr-3870	249	5	variables	variable	NOUN
fsr-3870	249	6	for	for	ADP
fsr-3870	249	7	the	the	DET
fsr-3870	249	8	best	good	ADJ
fsr-3870	249	9	source	source	NOUN
fsr-3870	249	10	of	of	ADP
fsr-3870	249	11	information	information	NOUN
fsr-3870	249	12	used	use	VERB
fsr-3870	249	13	in	in	ADP
fsr-3870	249	14	the	the	DET
fsr-3870	249	15	respondents	respondent	NOUN
fsr-3870	249	16	’	’	PART
fsr-3870	249	17	most	most	ADV
fsr-3870	249	18	recent	recent	ADJ
fsr-3870	249	19	mutual	mutual	ADJ
fsr-3870	249	20	fund	fund	NOUN
fsr-3870	249	21	purchases	purchase	NOUN
fsr-3870	249	22	.	.	PUNCT
fsr-3870	250	1	the	the	DET
fsr-3870	250	2	dummy	dummy	ADJ
fsr-3870	250	3	variables	variable	NOUN
fsr-3870	250	4	publications	publication	NOUN
fsr-3870	250	5	,	,	PUNCT
fsr-3870	250	6	prospectus	prospectus	NOUN
fsr-3870	250	7	,	,	PUNCT
fsr-3870	250	8	broker	broker	NOUN
fsr-3870	250	9	,	,	PUNCT
fsr-3870	250	10	banker	banker	NOUN
fsr-3870	250	11	,	,	PUNCT
fsr-3870	250	12	employer	employer	NOUN
fsr-3870	250	13	,	,	PUNCT
fsr-3870	250	14	and	and	CCONJ
fsr-3870	250	15	family	family	NOUN
fsr-3870	250	16	take	take	VERB
fsr-3870	250	17	on	on	ADP
fsr-3870	250	18	a	a	DET
fsr-3870	250	19	value	value	NOUN
fsr-3870	250	20	of	of	ADP
fsr-3870	250	21	1	1	NUM
fsr-3870	250	22	(	(	PUNCT
fsr-3870	250	23	0	0	NUM
fsr-3870	250	24	otherwise	otherwise	ADV
fsr-3870	250	25	)	)	PUNCT
fsr-3870	250	26	if	if	SCONJ
fsr-3870	250	27	the	the	DET
fsr-3870	250	28	best	good	ADJ
fsr-3870	250	29	source	source	NOUN
fsr-3870	250	30	of	of	ADP
fsr-3870	250	31	information	information	NOUN
fsr-3870	250	32	is	be	AUX
fsr-3870	250	33	financial	financial	ADJ
fsr-3870	250	34	publications	publication	NOUN
fsr-3870	250	35	,	,	PUNCT
fsr-3870	250	36	the	the	DET
fsr-3870	250	37	mutual	mutual	ADJ
fsr-3870	250	38	fund	fund	NOUN
fsr-3870	250	39	prospectus	prospectus	NOUN
fsr-3870	250	40	,	,	PUNCT
fsr-3870	250	41	broker	broker	NOUN
fsr-3870	250	42	,	,	PUNCT
fsr-3870	250	43	banker	banker	NOUN
fsr-3870	250	44	,	,	PUNCT
fsr-3870	250	45	employer	employer	NOUN
fsr-3870	250	46	-	-	PUNCT
fsr-3870	250	47	provided	provide	VERB
fsr-3870	250	48	printed	print	VERB
fsr-3870	250	49	materials	material	NOUN
fsr-3870	250	50	,	,	PUNCT
fsr-3870	250	51	and	and	CCONJ
fsr-3870	250	52	family	family	NOUN
fsr-3870	250	53	or	or	CCONJ
fsr-3870	250	54	friends	friend	NOUN
fsr-3870	250	55	,	,	PUNCT
fsr-3870	250	56	respectively	respectively	ADV
fsr-3870	250	57	.	.	PUNCT
fsr-3870	251	1	314	314	NUM
fsr-3870	251	2	g.j	g.j	PROPN
fsr-3870	251	3	.	.	PUNCT
fsr-3870	251	4	alexander	alexander	PROPN
fsr-3870	251	5	et	et	PROPN
fsr-3870	251	6	al	al	PROPN
fsr-3870	251	7	.	.	PUNCT
fsr-3870	251	8	/	/	SYM
fsr-3870	251	9	financial	financial	ADJ
fsr-3870	251	10	services	service	NOUN
fsr-3870	251	11	review	review	VERB
fsr-3870	251	12	7	7	NUM
fsr-3870	251	13	(	(	PUNCT
fsr-3870	251	14	1998	1998	NUM
fsr-3870	251	15	)	)	PUNCT
fsr-3870	251	16	301–316	301–316	NUM
fsr-3870	251	17	than	than	ADP
fsr-3870	251	18	70	70	NUM
fsr-3870	251	19	%	%	NOUN
fsr-3870	251	20	of	of	ADP
fsr-3870	251	21	the	the	DET
fsr-3870	251	22	respondents	respondent	NOUN
fsr-3870	251	23	based	base	VERB
fsr-3870	251	24	on	on	ADP
fsr-3870	251	25	their	their	PRON
fsr-3870	251	26	demographics	demographic	NOUN
fsr-3870	251	27	and	and	CCONJ
fsr-3870	251	28	best	good	ADJ
fsr-3870	251	29	source	source	NOUN
fsr-3870	251	30	of	of	ADP
fsr-3870	251	31	information	information	NOUN
fsr-3870	251	32	,	,	PUNCT
fsr-3870	251	33	providing	provide	VERB
fsr-3870	251	34	additional	additional	ADJ
fsr-3870	251	35	evidence	evidence	NOUN
fsr-3870	251	36	that	that	SCONJ
fsr-3870	251	37	the	the	DET
fsr-3870	251	38	model	model	NOUN
fsr-3870	251	39	has	have	AUX
fsr-3870	251	40	a	a	DET
fsr-3870	251	41	good	good	ADJ
fsr-3870	251	42	fit	fit	NOUN
fsr-3870	251	43	.	.	PUNCT
fsr-3870	252	1	6	6	X
fsr-3870	252	2	.	.	X
fsr-3870	252	3	conclusion	conclusion	NOUN
fsr-3870	252	4	our	our	PRON
fsr-3870	252	5	results	result	NOUN
fsr-3870	252	6	show	show	VERB
fsr-3870	252	7	that	that	SCONJ
fsr-3870	252	8	the	the	DET
fsr-3870	252	9	typical	typical	ADJ
fsr-3870	252	10	mutual	mutual	ADJ
fsr-3870	252	11	fund	fund	NOUN
fsr-3870	252	12	investor	investor	NOUN
fsr-3870	252	13	surveyed	survey	VERB
fsr-3870	252	14	is	be	AUX
fsr-3870	252	15	older	old	ADJ
fsr-3870	252	16	,	,	PUNCT
fsr-3870	252	17	wealthier	wealthy	ADJ
fsr-3870	252	18	,	,	PUNCT
fsr-3870	252	19	and	and	CCONJ
fsr-3870	252	20	better	well	ADV
fsr-3870	252	21	educated	educate	VERB
fsr-3870	252	22	than	than	ADP
fsr-3870	252	23	the	the	DET
fsr-3870	252	24	average	average	ADJ
fsr-3870	252	25	american	american	PROPN
fsr-3870	252	26	.	.	PUNCT
fsr-3870	253	1	the	the	DET
fsr-3870	253	2	results	result	NOUN
fsr-3870	253	3	of	of	ADP
fsr-3870	253	4	the	the	DET
fsr-3870	253	5	survey	survey	NOUN
fsr-3870	253	6	suggest	suggest	VERB
fsr-3870	253	7	,	,	PUNCT
fsr-3870	253	8	however	however	ADV
fsr-3870	253	9	,	,	PUNCT
fsr-3870	253	10	that	that	SCONJ
fsr-3870	253	11	investor	investor	NOUN
fsr-3870	253	12	knowledge	knowledge	NOUN
fsr-3870	253	13	of	of	ADP
fsr-3870	253	14	the	the	DET
fsr-3870	253	15	expenses	expense	NOUN
fsr-3870	253	16	and	and	CCONJ
fsr-3870	253	17	risks	risk	NOUN
fsr-3870	253	18	associated	associate	VERB
fsr-3870	253	19	with	with	ADP
fsr-3870	253	20	mutual	mutual	ADJ
fsr-3870	253	21	funds	fund	NOUN
fsr-3870	253	22	can	can	AUX
fsr-3870	253	23	be	be	AUX
fsr-3870	253	24	improved	improve	VERB
fsr-3870	253	25	.	.	PUNCT
fsr-3870	254	1	although	although	SCONJ
fsr-3870	254	2	the	the	DET
fsr-3870	254	3	average	average	ADJ
fsr-3870	254	4	fund	fund	NOUN
fsr-3870	254	5	shareholder	shareholder	NOUN
fsr-3870	254	6	has	have	AUX
fsr-3870	254	7	invested	invest	VERB
fsr-3870	254	8	in	in	ADP
fsr-3870	254	9	funds	fund	NOUN
fsr-3870	254	10	for	for	ADP
fsr-3870	254	11	several	several	ADJ
fsr-3870	254	12	years	year	NOUN
fsr-3870	254	13	,	,	PUNCT
fsr-3870	254	14	most	most	ADJ
fsr-3870	254	15	fund	fund	NOUN
fsr-3870	254	16	shareholders	shareholder	NOUN
fsr-3870	254	17	do	do	AUX
fsr-3870	254	18	not	not	PART
fsr-3870	254	19	appear	appear	VERB
fsr-3870	254	20	to	to	PART
fsr-3870	254	21	appreciate	appreciate	VERB
fsr-3870	254	22	the	the	DET
fsr-3870	254	23	relationship	relationship	NOUN
fsr-3870	254	24	between	between	ADP
fsr-3870	254	25	fund	fund	NOUN
fsr-3870	254	26	expenses	expense	NOUN
fsr-3870	254	27	and	and	CCONJ
fsr-3870	254	28	performance	performance	NOUN
fsr-3870	254	29	.	.	PUNCT
fsr-3870	255	1	in	in	ADP
fsr-3870	255	2	addition	addition	NOUN
fsr-3870	255	3	,	,	PUNCT
fsr-3870	255	4	a	a	DET
fsr-3870	255	5	substantial	substantial	ADJ
fsr-3870	255	6	number	number	NOUN
fsr-3870	255	7	of	of	ADP
fsr-3870	255	8	fund	fund	NOUN
fsr-3870	255	9	investors	investor	NOUN
fsr-3870	255	10	still	still	ADV
fsr-3870	255	11	believe	believe	VERB
fsr-3870	255	12	that	that	SCONJ
fsr-3870	255	13	they	they	PRON
fsr-3870	255	14	can	can	AUX
fsr-3870	255	15	not	not	PART
fsr-3870	255	16	lose	lose	VERB
fsr-3870	255	17	money	money	NOUN
fsr-3870	255	18	in	in	ADP
fsr-3870	255	19	a	a	DET
fsr-3870	255	20	bond	bond	NOUN
fsr-3870	255	21	fund	fund	NOUN
fsr-3870	255	22	.	.	PUNCT
fsr-3870	256	1	the	the	DET
fsr-3870	256	2	survey	survey	NOUN
fsr-3870	256	3	results	result	NOUN
fsr-3870	256	4	also	also	ADV
fsr-3870	256	5	suggest	suggest	VERB
fsr-3870	256	6	that	that	SCONJ
fsr-3870	256	7	more	more	ADJ
fsr-3870	256	8	can	can	AUX
fsr-3870	256	9	be	be	AUX
fsr-3870	256	10	done	do	VERB
fsr-3870	256	11	to	to	PART
fsr-3870	256	12	make	make	VERB
fsr-3870	256	13	mutual	mutual	ADJ
fsr-3870	256	14	fund	fund	NOUN
fsr-3870	256	15	prospectuses	prospectuse	VERB
fsr-3870	256	16	more	more	ADV
fsr-3870	256	17	useful	useful	ADJ
fsr-3870	256	18	to	to	ADP
fsr-3870	256	19	investors	investor	NOUN
fsr-3870	256	20	,	,	PUNCT
fsr-3870	256	21	especially	especially	ADV
fsr-3870	256	22	since	since	SCONJ
fsr-3870	256	23	over	over	ADP
fsr-3870	256	24	40	40	NUM
fsr-3870	256	25	%	%	NOUN
fsr-3870	256	26	of	of	ADP
fsr-3870	256	27	those	those	PRON
fsr-3870	256	28	surveyed	survey	VERB
fsr-3870	256	29	stated	state	VERB
fsr-3870	256	30	that	that	SCONJ
fsr-3870	256	31	they	they	PRON
fsr-3870	256	32	never	never	ADV
fsr-3870	256	33	used	use	VERB
fsr-3870	256	34	the	the	DET
fsr-3870	256	35	prospectus	prospectus	NOUN
fsr-3870	256	36	.	.	PUNCT
fsr-3870	257	1	moreover	moreover	ADV
fsr-3870	257	2	,	,	PUNCT
fsr-3870	257	3	the	the	DET
fsr-3870	257	4	survey	survey	NOUN
fsr-3870	257	5	respondents	respondent	NOUN
fsr-3870	257	6	considered	consider	VERB
fsr-3870	257	7	the	the	DET
fsr-3870	257	8	prospectus	prospectus	NOUN
fsr-3870	257	9	only	only	ADV
fsr-3870	257	10	the	the	DET
fsr-3870	257	11	fifth	fifth	ADJ
fsr-3870	257	12	best	good	ADJ
fsr-3870	257	13	source	source	NOUN
fsr-3870	257	14	of	of	ADP
fsr-3870	257	15	information	information	NOUN
fsr-3870	257	16	about	about	ADP
fsr-3870	257	17	the	the	DET
fsr-3870	257	18	funds	fund	NOUN
fsr-3870	257	19	that	that	PRON
fsr-3870	257	20	they	they	PRON
fsr-3870	257	21	purchased	purchase	VERB
fsr-3870	257	22	.	.	PUNCT
fsr-3870	258	1	two	two	NUM
fsr-3870	258	2	rules	rule	NOUN
fsr-3870	258	3	that	that	PRON
fsr-3870	258	4	were	be	AUX
fsr-3870	258	5	recently	recently	ADV
fsr-3870	258	6	adopted	adopt	VERB
fsr-3870	258	7	by	by	ADP
fsr-3870	258	8	the	the	DET
fsr-3870	258	9	sec	sec	PROPN
fsr-3870	258	10	are	be	AUX
fsr-3870	258	11	significant	significant	ADJ
fsr-3870	258	12	and	and	CCONJ
fsr-3870	258	13	timely	timely	ADJ
fsr-3870	258	14	steps	step	NOUN
fsr-3870	258	15	in	in	ADP
fsr-3870	258	16	this	this	DET
fsr-3870	258	17	direction	direction	NOUN
fsr-3870	258	18	.	.	PUNCT
fsr-3870	259	1	the	the	DET
fsr-3870	259	2	first	first	ADJ
fsr-3870	259	3	rule	rule	NOUN
fsr-3870	259	4	requires	require	VERB
fsr-3870	259	5	the	the	DET
fsr-3870	259	6	use	use	NOUN
fsr-3870	259	7	of	of	ADP
fsr-3870	259	8	“	"	PUNCT
fsr-3870	259	9	plain	plain	ADJ
fsr-3870	259	10	english	english	PROPN
fsr-3870	259	11	”	"	PUNCT
fsr-3870	259	12	that	that	PRON
fsr-3870	259	13	avoids	avoid	VERB
fsr-3870	259	14	legalese	legalese	NOUN
fsr-3870	259	15	in	in	ADP
fsr-3870	259	16	disclosure	disclosure	NOUN
fsr-3870	259	17	documents	document	NOUN
fsr-3870	259	18	such	such	ADJ
fsr-3870	259	19	as	as	ADP
fsr-3870	259	20	prospectuses	prospectus	NOUN
fsr-3870	259	21	.	.	PUNCT
fsr-3870	260	1	the	the	DET
fsr-3870	260	2	second	second	ADJ
fsr-3870	260	3	rule	rule	NOUN
fsr-3870	260	4	allows	allow	VERB
fsr-3870	260	5	shortened	shorten	VERB
fsr-3870	260	6	but	but	CCONJ
fsr-3870	260	7	more	more	ADV
fsr-3870	260	8	focused	focused	ADJ
fsr-3870	260	9	prospectuses	prospectus	NOUN
fsr-3870	260	10	,	,	PUNCT
fsr-3870	260	11	known	know	VERB
fsr-3870	260	12	as	as	ADP
fsr-3870	260	13	profile	profile	NOUN
fsr-3870	260	14	prospectuses	prospectus	NOUN
fsr-3870	260	15	,	,	PUNCT
fsr-3870	260	16	to	to	PART
fsr-3870	260	17	be	be	AUX
fsr-3870	260	18	sent	send	VERB
fsr-3870	260	19	to	to	ADP
fsr-3870	260	20	potential	potential	ADJ
fsr-3870	260	21	mutual	mutual	ADJ
fsr-3870	260	22	fund	fund	NOUN
fsr-3870	260	23	purchasers	purchaser	NOUN
fsr-3870	260	24	.	.	PUNCT
fsr-3870	261	1	readers	reader	NOUN
fsr-3870	261	2	interested	interested	ADJ
fsr-3870	261	3	in	in	ADP
fsr-3870	261	4	these	these	DET
fsr-3870	261	5	rules	rule	NOUN
fsr-3870	261	6	will	will	AUX
fsr-3870	261	7	find	find	VERB
fsr-3870	261	8	them	they	PRON
fsr-3870	261	9	posted	post	VERB
fsr-3870	261	10	at	at	ADP
fsr-3870	261	11	the	the	DET
fsr-3870	261	12	sec	sec	PROPN
fsr-3870	261	13	’s	’s	PART
fsr-3870	261	14	web	web	NOUN
fsr-3870	261	15	site	site	NOUN
fsr-3870	261	16	:	:	PUNCT
fsr-3870	261	17	www.sec.gov/rules/final/33-7497.txt	www.sec.gov/rules/final/33-7497.txt	ADJ
fsr-3870	261	18	and	and	CCONJ
fsr-3870	261	19	www.sec.gov/rules/final/33-7513.htm	www.sec.gov/rules/final/33-7513.htm	PROPN
fsr-3870	261	20	,	,	PUNCT
fsr-3870	261	21	respectively	respectively	ADV
fsr-3870	261	22	.	.	PUNCT
fsr-3870	262	1	although	although	SCONJ
fsr-3870	262	2	broker	broker	NOUN
fsr-3870	262	3	and	and	CCONJ
fsr-3870	262	4	direct	direct	ADJ
fsr-3870	262	5	fund	fund	NOUN
fsr-3870	262	6	company	company	NOUN
fsr-3870	262	7	purchasers	purchaser	NOUN
fsr-3870	262	8	are	be	AUX
fsr-3870	262	9	relatively	relatively	ADV
fsr-3870	262	10	more	more	ADV
fsr-3870	262	11	knowledgeable	knowledgeable	ADJ
fsr-3870	262	12	about	about	ADP
fsr-3870	262	13	the	the	DET
fsr-3870	262	14	costs	cost	NOUN
fsr-3870	262	15	and	and	CCONJ
fsr-3870	262	16	risks	risk	NOUN
fsr-3870	262	17	of	of	ADP
fsr-3870	262	18	mutual	mutual	ADJ
fsr-3870	262	19	fund	fund	NOUN
fsr-3870	262	20	investments	investment	NOUN
fsr-3870	262	21	than	than	ADP
fsr-3870	262	22	non	non	ADJ
fsr-3870	262	23	-	-	ADJ
fsr-3870	262	24	broker	broker	ADJ
fsr-3870	262	25	and	and	CCONJ
fsr-3870	262	26	non	non	ADJ
fsr-3870	262	27	-	-	ADJ
fsr-3870	262	28	direct	direct	ADJ
fsr-3870	262	29	fund	fund	NOUN
fsr-3870	262	30	company	company	NOUN
fsr-3870	262	31	purchasers	purchaser	NOUN
fsr-3870	262	32	,	,	PUNCT
fsr-3870	262	33	it	it	PRON
fsr-3870	262	34	is	be	AUX
fsr-3870	262	35	likely	likely	ADJ
fsr-3870	262	36	that	that	SCONJ
fsr-3870	262	37	investors	investor	NOUN
fsr-3870	262	38	self	self	NOUN
fsr-3870	262	39	-	-	PUNCT
fsr-3870	262	40	select	select	NOUN
fsr-3870	262	41	into	into	ADP
fsr-3870	262	42	the	the	DET
fsr-3870	262	43	various	various	ADJ
fsr-3870	262	44	distribution	distribution	NOUN
fsr-3870	262	45	channels	channel	NOUN
fsr-3870	262	46	.	.	PUNCT
fsr-3870	263	1	for	for	ADP
fsr-3870	263	2	example	example	NOUN
fsr-3870	263	3	,	,	PUNCT
fsr-3870	263	4	more	more	ADV
fsr-3870	263	5	knowledgeable	knowledgeable	ADJ
fsr-3870	263	6	investors	investor	NOUN
fsr-3870	263	7	may	may	AUX
fsr-3870	263	8	be	be	AUX
fsr-3870	263	9	more	more	ADV
fsr-3870	263	10	comfortable	comfortable	ADJ
fsr-3870	263	11	with	with	ADP
fsr-3870	263	12	the	the	DET
fsr-3870	263	13	idea	idea	NOUN
fsr-3870	263	14	of	of	ADP
fsr-3870	263	15	purchasing	purchase	VERB
fsr-3870	263	16	from	from	ADP
fsr-3870	263	17	a	a	DET
fsr-3870	263	18	fund	fund	NOUN
fsr-3870	263	19	company	company	NOUN
fsr-3870	263	20	or	or	CCONJ
fsr-3870	263	21	a	a	DET
fsr-3870	263	22	broker	broker	NOUN
fsr-3870	263	23	.	.	PUNCT
fsr-3870	264	1	as	as	ADP
fsr-3870	264	2	a	a	DET
fsr-3870	264	3	result	result	NOUN
fsr-3870	264	4	,	,	PUNCT
fsr-3870	264	5	salespeople	salesperson	NOUN
fsr-3870	264	6	at	at	ADP
fsr-3870	264	7	banks	bank	NOUN
fsr-3870	264	8	and	and	CCONJ
fsr-3870	264	9	insurance	insurance	NOUN
fsr-3870	264	10	companies	company	NOUN
fsr-3870	264	11	may	may	AUX
fsr-3870	264	12	face	face	VERB
fsr-3870	264	13	greater	great	ADJ
fsr-3870	264	14	challenges	challenge	NOUN
fsr-3870	264	15	in	in	ADP
fsr-3870	264	16	educating	educate	VERB
fsr-3870	264	17	their	their	PRON
fsr-3870	264	18	typical	typical	ADJ
fsr-3870	264	19	mutual	mutual	ADJ
fsr-3870	264	20	fund	fund	NOUN
fsr-3870	264	21	buyers	buyer	NOUN
fsr-3870	264	22	.	.	PUNCT
fsr-3870	265	1	the	the	DET
fsr-3870	265	2	survey	survey	NOUN
fsr-3870	265	3	should	should	AUX
fsr-3870	265	4	not	not	PART
fsr-3870	265	5	be	be	AUX
fsr-3870	265	6	read	read	VERB
fsr-3870	265	7	as	as	ADP
fsr-3870	265	8	indicating	indicate	VERB
fsr-3870	265	9	that	that	SCONJ
fsr-3870	265	10	salespeople	salesperson	NOUN
fsr-3870	265	11	in	in	ADP
fsr-3870	265	12	broker	broker	NOUN
fsr-3870	265	13	and	and	CCONJ
fsr-3870	265	14	direct	direct	ADJ
fsr-3870	265	15	distribution	distribution	NOUN
fsr-3870	265	16	channels	channel	NOUN
fsr-3870	265	17	necessarily	necessarily	ADV
fsr-3870	265	18	do	do	VERB
fsr-3870	265	19	a	a	DET
fsr-3870	265	20	better	well	ADJ
fsr-3870	265	21	job	job	NOUN
fsr-3870	265	22	of	of	ADP
fsr-3870	265	23	disclosing	disclose	VERB
fsr-3870	265	24	risks	risk	NOUN
fsr-3870	265	25	and	and	CCONJ
fsr-3870	265	26	costs	cost	NOUN
fsr-3870	265	27	than	than	ADP
fsr-3870	265	28	their	their	PRON
fsr-3870	265	29	counterparts	counterpart	NOUN
fsr-3870	265	30	in	in	ADP
fsr-3870	265	31	other	other	ADJ
fsr-3870	265	32	distribution	distribution	NOUN
fsr-3870	265	33	channels	channel	NOUN
fsr-3870	265	34	.	.	PUNCT
fsr-3870	266	1	the	the	DET
fsr-3870	266	2	ongoing	ongoing	ADJ
fsr-3870	266	3	challenge	challenge	NOUN
fsr-3870	266	4	of	of	ADP
fsr-3870	266	5	raising	raise	VERB
fsr-3870	266	6	the	the	DET
fsr-3870	266	7	level	level	NOUN
fsr-3870	266	8	of	of	ADP
fsr-3870	266	9	investor	investor	NOUN
fsr-3870	266	10	comprehension	comprehension	NOUN
fsr-3870	266	11	of	of	ADP
fsr-3870	266	12	the	the	DET
fsr-3870	266	13	costs	cost	NOUN
fsr-3870	266	14	and	and	CCONJ
fsr-3870	266	15	risks	risk	NOUN
fsr-3870	266	16	associated	associate	VERB
fsr-3870	266	17	with	with	ADP
fsr-3870	266	18	mutual	mutual	ADJ
fsr-3870	266	19	fund	fund	NOUN
fsr-3870	266	20	investments	investment	NOUN
fsr-3870	266	21	extends	extend	VERB
fsr-3870	266	22	well	well	ADV
fsr-3870	266	23	beyond	beyond	ADP
fsr-3870	266	24	simply	simply	ADV
fsr-3870	266	25	designing	design	VERB
fsr-3870	266	26	regulatory	regulatory	ADJ
fsr-3870	266	27	requirements	requirement	NOUN
fsr-3870	266	28	.	.	PUNCT
fsr-3870	267	1	ultimately	ultimately	ADV
fsr-3870	267	2	,	,	PUNCT
fsr-3870	267	3	the	the	DET
fsr-3870	267	4	goal	goal	NOUN
fsr-3870	267	5	of	of	ADP
fsr-3870	267	6	better	well	ADJ
fsr-3870	267	7	educated	educate	VERB
fsr-3870	267	8	investors	investor	NOUN
fsr-3870	267	9	can	can	AUX
fsr-3870	267	10	only	only	ADV
fsr-3870	267	11	be	be	AUX
fsr-3870	267	12	achieved	achieve	VERB
fsr-3870	267	13	by	by	ADP
fsr-3870	267	14	a	a	DET
fsr-3870	267	15	concerted	concerted	ADJ
fsr-3870	267	16	joint	joint	ADJ
fsr-3870	267	17	effort	effort	NOUN
fsr-3870	267	18	involving	involve	VERB
fsr-3870	267	19	numerous	numerous	ADJ
fsr-3870	267	20	parties	party	NOUN
fsr-3870	267	21	,	,	PUNCT
fsr-3870	267	22	including	include	VERB
fsr-3870	267	23	plan	plan	NOUN
fsr-3870	267	24	sponsors	sponsor	NOUN
fsr-3870	267	25	,	,	PUNCT
fsr-3870	267	26	brokers	broker	NOUN
fsr-3870	267	27	,	,	PUNCT
fsr-3870	267	28	fund	fund	NOUN
fsr-3870	267	29	companies	company	NOUN
fsr-3870	267	30	,	,	PUNCT
fsr-3870	267	31	and	and	CCONJ
fsr-3870	267	32	governmental	governmental	ADJ
fsr-3870	267	33	regulatory	regulatory	ADJ
fsr-3870	267	34	agencies	agency	NOUN
fsr-3870	267	35	.	.	PUNCT
fsr-3870	268	1	references	reference	NOUN
fsr-3870	268	2	alexander	alexander	PROPN
fsr-3870	268	3	,	,	PUNCT
fsr-3870	268	4	g.	g.	PROPN
fsr-3870	268	5	j.	j.	PROPN
fsr-3870	268	6	,	,	PUNCT
fsr-3870	268	7	jones	jones	PROPN
fsr-3870	268	8	,	,	PUNCT
fsr-3870	268	9	j.	j.	PROPN
fsr-3870	268	10	d.	d.	PROPN
fsr-3870	268	11	,	,	PUNCT
fsr-3870	268	12	&	&	CCONJ
fsr-3870	268	13	nigro	nigro	PROPN
fsr-3870	268	14	,	,	PUNCT
fsr-3870	268	15	p.	p.	NOUN
fsr-3870	268	16	j.	j.	PROPN
fsr-3870	268	17	(	(	PUNCT
fsr-3870	268	18	1996	1996	NUM
fsr-3870	268	19	)	)	PUNCT
fsr-3870	268	20	.	.	PUNCT
fsr-3870	269	1	report	report	NOUN
fsr-3870	269	2	on	on	ADP
fsr-3870	269	3	the	the	DET
fsr-3870	269	4	occ	occ	PROPN
fsr-3870	269	5	/	/	SYM
fsr-3870	269	6	sec	sec	PROPN
fsr-3870	269	7	survey	survey	NOUN
fsr-3870	269	8	of	of	ADP
fsr-3870	269	9	mutual	mutual	ADJ
fsr-3870	269	10	fund	fund	NOUN
fsr-3870	269	11	investors	investor	NOUN
fsr-3870	269	12	.	.	PUNCT
fsr-3870	270	1	washington	washington	PROPN
fsr-3870	270	2	,	,	PUNCT
fsr-3870	270	3	dc	dc	PROPN
fsr-3870	270	4	:	:	PUNCT
fsr-3870	270	5	office	office	NOUN
fsr-3870	270	6	of	of	ADP
fsr-3870	270	7	the	the	DET
fsr-3870	270	8	comptroller	comptroller	NOUN
fsr-3870	270	9	of	of	ADP
fsr-3870	270	10	the	the	DET
fsr-3870	270	11	currency	currency	NOUN
fsr-3870	270	12	and	and	CCONJ
fsr-3870	270	13	the	the	DET
fsr-3870	270	14	u.	u.	PROPN
fsr-3870	270	15	s.	s.	PROPN
fsr-3870	270	16	securities	securities	PROPN
fsr-3870	270	17	and	and	CCONJ
fsr-3870	270	18	exchange	exchange	PROPN
fsr-3870	270	19	commission	commission	PROPN
fsr-3870	270	20	.	.	PUNCT
fsr-3870	271	1	315g.j	315g.j	NOUN
fsr-3870	271	2	.	.	PUNCT
fsr-3870	272	1	alexander	alexander	PROPN
fsr-3870	272	2	et	et	PROPN
fsr-3870	272	3	al	al	PROPN
fsr-3870	272	4	.	.	PUNCT
fsr-3870	272	5	/	/	SYM
fsr-3870	272	6	financial	financial	ADJ
fsr-3870	272	7	services	service	NOUN
fsr-3870	272	8	review	review	VERB
fsr-3870	272	9	7	7	NUM
fsr-3870	272	10	(	(	PUNCT
fsr-3870	272	11	1998	1998	NUM
fsr-3870	272	12	)	)	PUNCT
fsr-3870	273	1	301–316	301–316	NUM
fsr-3870	273	2	alexander	alexander	NOUN
fsr-3870	273	3	,	,	PUNCT
fsr-3870	273	4	g.	g.	PROPN
fsr-3870	273	5	j.	j.	PROPN
fsr-3870	273	6	,	,	PUNCT
fsr-3870	273	7	jones	jones	PROPN
fsr-3870	273	8	,	,	PUNCT
fsr-3870	273	9	j.	j.	PROPN
fsr-3870	273	10	d.	d.	PROPN
fsr-3870	273	11	,	,	PUNCT
fsr-3870	273	12	&	&	CCONJ
fsr-3870	273	13	nigro	nigro	PROPN
fsr-3870	273	14	,	,	PUNCT
fsr-3870	273	15	p.	p.	NOUN
fsr-3870	273	16	j.	j.	PROPN
fsr-3870	273	17	(	(	PUNCT
fsr-3870	273	18	1997	1997	NUM
fsr-3870	273	19	)	)	PUNCT
fsr-3870	273	20	.	.	PUNCT
fsr-3870	274	1	investor	investor	NOUN
fsr-3870	274	2	self	self	NOUN
fsr-3870	274	3	-	-	PUNCT
fsr-3870	274	4	selection	selection	NOUN
fsr-3870	274	5	:	:	PUNCT
fsr-3870	274	6	evidence	evidence	NOUN
fsr-3870	274	7	from	from	ADP
fsr-3870	274	8	a	a	DET
fsr-3870	274	9	mutual	mutual	ADJ
fsr-3870	274	10	fund	fund	NOUN
fsr-3870	274	11	survey	survey	NOUN
fsr-3870	274	12	.	.	PUNCT
fsr-3870	275	1	managerial	managerial	ADJ
fsr-3870	275	2	and	and	CCONJ
fsr-3870	275	3	decision	decision	NOUN
fsr-3870	275	4	economics	economic	NOUN
fsr-3870	275	5	18(special	18(special	NUM
fsr-3870	275	6	issue	issue	NOUN
fsr-3870	275	7	,	,	PUNCT
fsr-3870	275	8	nov.–dec	nov.–dec	PROPN
fsr-3870	275	9	.	.	PUNCT
fsr-3870	275	10	)	)	PUNCT
fsr-3870	275	11	,	,	PUNCT
fsr-3870	275	12	719–729	719–729	NUM
fsr-3870	275	13	.	.	PUNCT
fsr-3870	276	1	american	american	PROPN
fsr-3870	276	2	association	association	PROPN
fsr-3870	276	3	of	of	ADP
fsr-3870	276	4	retired	retire	VERB
fsr-3870	276	5	persons	person	NOUN
fsr-3870	276	6	,	,	PUNCT
fsr-3870	276	7	consumer	consumer	NOUN
fsr-3870	276	8	federation	federation	PROPN
fsr-3870	276	9	of	of	ADP
fsr-3870	276	10	america	america	PROPN
fsr-3870	276	11	,	,	PUNCT
fsr-3870	276	12	and	and	CCONJ
fsr-3870	276	13	the	the	DET
fsr-3870	276	14	north	north	ADJ
fsr-3870	276	15	american	american	ADJ
fsr-3870	276	16	securities	securities	PROPN
fsr-3870	276	17	administrators	administrators	PROPN
fsr-3870	276	18	association	association	PROPN
fsr-3870	276	19	,	,	PUNCT
fsr-3870	276	20	inc	inc	PROPN
fsr-3870	276	21	.	.	PROPN
fsr-3870	276	22	,	,	PUNCT
fsr-3870	276	23	(	(	PUNCT
fsr-3870	276	24	1994	1994	NUM
fsr-3870	276	25	,	,	PUNCT
fsr-3870	276	26	january	january	PROPN
fsr-3870	276	27	)	)	PUNCT
fsr-3870	276	28	.	.	PUNCT
fsr-3870	277	1	outline	outline	NOUN
fsr-3870	277	2	for	for	ADP
fsr-3870	277	3	minimums	minimum	NOUN
fsr-3870	277	4	for	for	ADP
fsr-3870	277	5	hill	hill	NOUN
fsr-3870	277	6	reform	reform	NOUN
fsr-3870	277	7	action	action	NOUN
fsr-3870	277	8	...	...	PUNCT
fsr-3870	277	9	most	most	ADJ
fsr-3870	277	10	consumers	consumer	NOUN
fsr-3870	277	11	donot	donot	VERB
fsr-3870	277	12	know	know	VERB
fsr-3870	277	13	risk	risk	NOUN
fsr-3870	277	14	of	of	ADP
fsr-3870	277	15	uninsured	uninsured	ADJ
fsr-3870	277	16	investments	investment	NOUN
fsr-3870	277	17	at	at	ADP
fsr-3870	277	18	banks	bank	NOUN
fsr-3870	277	19	,	,	PUNCT
fsr-3870	277	20	report	report	NOUN
fsr-3870	277	21	.	.	PUNCT
fsr-3870	278	1	blake	blake	PROPN
fsr-3870	278	2	,	,	PUNCT
fsr-3870	278	3	c.	c.	PROPN
fsr-3870	278	4	r.	r.	PROPN
fsr-3870	278	5	,	,	PUNCT
fsr-3870	278	6	elton	elton	PROPN
fsr-3870	278	7	,	,	PUNCT
fsr-3870	278	8	e.	e.	PROPN
fsr-3870	278	9	j.	j.	PROPN
fsr-3870	278	10	,	,	PUNCT
fsr-3870	278	11	&	&	CCONJ
fsr-3870	278	12	gruber	gruber	PROPN
fsr-3870	278	13	,	,	PUNCT
fsr-3870	278	14	m.	m.	NOUN
fsr-3870	278	15	j.	j.	PROPN
fsr-3870	278	16	(	(	PUNCT
fsr-3870	278	17	1993	1993	NUM
fsr-3870	278	18	)	)	PUNCT
fsr-3870	278	19	.	.	PUNCT
fsr-3870	279	1	the	the	DET
fsr-3870	279	2	performance	performance	NOUN
fsr-3870	279	3	of	of	ADP
fsr-3870	279	4	bond	bond	NOUN
fsr-3870	279	5	mutual	mutual	ADJ
fsr-3870	279	6	funds.journal	funds.journal	NOUN
fsr-3870	279	7	of	of	ADP
fsr-3870	279	8	business	business	NOUN
fsr-3870	279	9	66(july	66(july	ADV
fsr-3870	279	10	)	)	PUNCT
fsr-3870	279	11	,	,	PUNCT
fsr-3870	279	12	371–403	371–403	NUM
fsr-3870	279	13	.	.	PUNCT
fsr-3870	280	1	bogle	bogle	PROPN
fsr-3870	280	2	,	,	PUNCT
fsr-3870	280	3	j.	j.	PROPN
fsr-3870	280	4	c.	c.	PROPN
fsr-3870	280	5	(	(	PUNCT
fsr-3870	280	6	1992	1992	NUM
fsr-3870	280	7	)	)	PUNCT
fsr-3870	280	8	.	.	PUNCT
fsr-3870	281	1	selecting	select	VERB
fsr-3870	281	2	equity	equity	NOUN
fsr-3870	281	3	mutual	mutual	ADJ
fsr-3870	281	4	funds.journal	funds.journal	PROPN
fsr-3870	281	5	of	of	ADP
fsr-3870	281	6	portfolio	portfolio	NOUN
fsr-3870	281	7	management	management	NOUN
fsr-3870	281	8	18(winter	18(winter	NUM
fsr-3870	281	9	)	)	PUNCT
fsr-3870	281	10	,	,	PUNCT
fsr-3870	281	11	94–100	94–100	PROPN
fsr-3870	281	12	.	.	PUNCT
fsr-3870	282	1	bogle	bogle	PROPN
fsr-3870	282	2	,	,	PUNCT
fsr-3870	282	3	j.	j.	PROPN
fsr-3870	282	4	c.	c.	PROPN
fsr-3870	282	5	(	(	PUNCT
fsr-3870	282	6	1994).bogle	1994).bogle	NUM
fsr-3870	282	7	on	on	ADP
fsr-3870	282	8	mutual	mutual	ADJ
fsr-3870	282	9	funds	fund	NOUN
fsr-3870	282	10	:	:	PUNCT
fsr-3870	282	11	new	new	ADJ
fsr-3870	282	12	perspectives	perspective	NOUN
fsr-3870	282	13	for	for	ADP
fsr-3870	282	14	the	the	DET
fsr-3870	282	15	intelligent	intelligent	ADJ
fsr-3870	282	16	investor	investor	NOUN
fsr-3870	282	17	.	.	PUNCT
fsr-3870	283	1	burr	burr	PROPN
fsr-3870	283	2	ridge	ridge	PROPN
fsr-3870	283	3	,	,	PUNCT
fsr-3870	283	4	il	il	PROPN
fsr-3870	283	5	:	:	PUNCT
fsr-3870	283	6	irwin	irwin	PROPN
fsr-3870	283	7	.	.	PROPN
fsr-3870	283	8	brown	brown	PROPN
fsr-3870	283	9	,	,	PUNCT
fsr-3870	283	10	s.	s.	PROPN
fsr-3870	283	11	j.	j.	PROPN
fsr-3870	283	12	,	,	PUNCT
fsr-3870	283	13	&	&	CCONJ
fsr-3870	283	14	goetzmann	goetzmann	PROPN
fsr-3870	283	15	,	,	PUNCT
fsr-3870	283	16	w.	w.	PROPN
fsr-3870	283	17	n.	n.	PROPN
fsr-3870	283	18	(	(	PUNCT
fsr-3870	283	19	1995	1995	NUM
fsr-3870	283	20	)	)	PUNCT
fsr-3870	283	21	.	.	PUNCT
fsr-3870	284	1	performance	performance	NOUN
fsr-3870	284	2	persistence.journal	persistence.journal	NUM
fsr-3870	284	3	of	of	ADP
fsr-3870	284	4	finance	finance	NOUN
fsr-3870	284	5	50(june	50(june	NUM
fsr-3870	284	6	)	)	PUNCT
fsr-3870	284	7	,	,	PUNCT
fsr-3870	284	8	679–698	679–698	NUM
fsr-3870	284	9	.	.	PUNCT
fsr-3870	285	1	brown	brown	PROPN
fsr-3870	285	2	,	,	PUNCT
fsr-3870	285	3	s.	s.	PROPN
fsr-3870	285	4	j.	j.	PROPN
fsr-3870	285	5	,	,	PUNCT
fsr-3870	285	6	goetzmann	goetzmann	PROPN
fsr-3870	285	7	,	,	PUNCT
fsr-3870	285	8	w.	w.	PROPN
fsr-3870	285	9	n.	n.	PROPN
fsr-3870	285	10	,	,	PUNCT
fsr-3870	285	11	ibbotson	ibbotson	PROPN
fsr-3870	285	12	,	,	PUNCT
fsr-3870	285	13	r.	r.	PROPN
fsr-3870	285	14	g.	g.	PROPN
fsr-3870	285	15	,	,	PUNCT
fsr-3870	285	16	&	&	CCONJ
fsr-3870	285	17	ross	ross	PROPN
fsr-3870	285	18	,	,	PUNCT
fsr-3870	285	19	s.	s.	PROPN
fsr-3870	285	20	(	(	PUNCT
fsr-3870	285	21	1992	1992	NUM
fsr-3870	285	22	)	)	PUNCT
fsr-3870	285	23	.	.	PUNCT
fsr-3870	286	1	survivorship	survivorship	NOUN
fsr-3870	286	2	bias	bias	NOUN
fsr-3870	286	3	in	in	ADP
fsr-3870	286	4	performance	performance	NOUN
fsr-3870	286	5	studies	study	NOUN
fsr-3870	286	6	.	.	PUNCT
fsr-3870	287	1	review	review	NOUN
fsr-3870	287	2	of	of	ADP
fsr-3870	287	3	financial	financial	ADJ
fsr-3870	287	4	studies	study	NOUN
fsr-3870	287	5	5	5	NUM
fsr-3870	287	6	,	,	PUNCT
fsr-3870	287	7	553–580	553–580	NUM
fsr-3870	287	8	.	.	PUNCT
fsr-3870	288	1	carhart	carhart	NOUN
fsr-3870	288	2	,	,	PUNCT
fsr-3870	288	3	m.	m.	NOUN
fsr-3870	288	4	m.	m.	NOUN
fsr-3870	288	5	(	(	PUNCT
fsr-3870	288	6	1997	1997	NUM
fsr-3870	288	7	)	)	PUNCT
fsr-3870	288	8	.	.	PUNCT
fsr-3870	289	1	on	on	ADP
fsr-3870	289	2	persistence	persistence	NOUN
fsr-3870	289	3	in	in	ADP
fsr-3870	289	4	mutual	mutual	ADJ
fsr-3870	289	5	fund	fund	NOUN
fsr-3870	289	6	performance.journal	performance.journal	PROPN
fsr-3870	289	7	of	of	ADP
fsr-3870	289	8	finance	finance	NOUN
fsr-3870	289	9	52(march	52(march	NUM
fsr-3870	289	10	)	)	PUNCT
fsr-3870	289	11	,	,	PUNCT
fsr-3870	289	12	57–82	57–82	NUM
fsr-3870	289	13	.	.	PUNCT
fsr-3870	290	1	chen	chen	PROPN
fsr-3870	290	2	,	,	PUNCT
fsr-3870	290	3	h.	h.	PROPN
fsr-3870	290	4	,	,	PUNCT
fsr-3870	290	5	&	&	CCONJ
fsr-3870	290	6	volpe	volpe	PROPN
fsr-3870	290	7	,	,	PUNCT
fsr-3870	290	8	r.	r.	PROPN
fsr-3870	290	9	(	(	PUNCT
fsr-3870	290	10	1998	1998	NUM
fsr-3870	290	11	)	)	PUNCT
fsr-3870	290	12	.	.	PUNCT
fsr-3870	291	1	an	an	DET
fsr-3870	291	2	analysis	analysis	NOUN
fsr-3870	291	3	of	of	ADP
fsr-3870	291	4	personal	personal	ADJ
fsr-3870	291	5	financial	financial	ADJ
fsr-3870	291	6	literacy	literacy	NOUN
fsr-3870	291	7	among	among	ADP
fsr-3870	291	8	college	college	NOUN
fsr-3870	291	9	students.financial	students.financial	PROPN
fsr-3870	291	10	services	service	NOUN
fsr-3870	291	11	review	review	VERB
fsr-3870	291	12	7(2	7(2	NUM
fsr-3870	291	13	)	)	PUNCT
fsr-3870	291	14	,	,	PUNCT
fsr-3870	291	15	107–28	107–28	NUM
fsr-3870	291	16	.	.	PUNCT
fsr-3870	292	1	consumer	consumer	NOUN
fsr-3870	292	2	bankers	bankers	PROPN
fsr-3870	292	3	association	association	PROPN
fsr-3870	292	4	.	.	PUNCT
fsr-3870	293	1	(	(	PUNCT
fsr-3870	293	2	1994	1994	NUM
fsr-3870	293	3	,	,	PUNCT
fsr-3870	293	4	november).consumer	november).consumer	NOUN
fsr-3870	293	5	investment	investment	NOUN
fsr-3870	293	6	product	product	NOUN
fsr-3870	293	7	survey	survey	NOUN
fsr-3870	293	8	.	.	PUNCT
fsr-3870	294	1	crenshaw	crenshaw	PROPN
fsr-3870	294	2	,	,	PUNCT
fsr-3870	294	3	a.	a.	PROPN
fsr-3870	294	4	b.	b.	PROPN
fsr-3870	294	5	(	(	PUNCT
fsr-3870	294	6	1996	1996	NUM
fsr-3870	294	7	,	,	PUNCT
fsr-3870	294	8	may	may	AUX
fsr-3870	294	9	19	19	NUM
fsr-3870	294	10	)	)	PUNCT
fsr-3870	294	11	.	.	PUNCT
fsr-3870	295	1	before	before	ADP
fsr-3870	295	2	risking	risk	VERB
fsr-3870	295	3	the	the	DET
fsr-3870	295	4	money	money	NOUN
fsr-3870	295	5	,	,	PUNCT
fsr-3870	295	6	invest	invest	VERB
fsr-3870	295	7	in	in	ADP
fsr-3870	295	8	financial	financial	ADJ
fsr-3870	295	9	literacy.the	literacy.the	PRON
fsr-3870	295	10	washington	washington	PROPN
fsr-3870	295	11	post	post	PROPN
fsr-3870	295	12	,	,	PUNCT
fsr-3870	295	13	pp	pp	PROPN
fsr-3870	295	14	.	.	PUNCT
fsr-3870	296	1	h1	h1	PROPN
fsr-3870	296	2	,	,	PUNCT
fsr-3870	296	3	h4	h4	PROPN
fsr-3870	296	4	.	.	PUNCT
fsr-3870	297	1	elton	elton	PROPN
fsr-3870	297	2	,	,	PUNCT
fsr-3870	297	3	e.	e.	PROPN
fsr-3870	297	4	j.	j.	PROPN
fsr-3870	297	5	,	,	PUNCT
fsr-3870	297	6	gruber	gruber	PROPN
fsr-3870	297	7	,	,	PUNCT
fsr-3870	297	8	m.	m.	NOUN
fsr-3870	297	9	j.	j.	PROPN
fsr-3870	297	10	,	,	PUNCT
fsr-3870	297	11	&	&	CCONJ
fsr-3870	297	12	blake	blake	PROPN
fsr-3870	297	13	,	,	PUNCT
fsr-3870	297	14	c.	c.	PROPN
fsr-3870	297	15	r.	r.	PROPN
fsr-3870	297	16	(	(	PUNCT
fsr-3870	297	17	1996	1996	NUM
fsr-3870	297	18	)	)	PUNCT
fsr-3870	297	19	.	.	PUNCT
fsr-3870	298	1	the	the	DET
fsr-3870	298	2	persistence	persistence	NOUN
fsr-3870	298	3	of	of	ADP
fsr-3870	298	4	risk	risk	NOUN
fsr-3870	298	5	-	-	PUNCT
fsr-3870	298	6	adjusted	adjust	VERB
fsr-3870	298	7	mutual	mutual	ADJ
fsr-3870	298	8	fund	fund	NOUN
fsr-3870	298	9	performance	performance	NOUN
fsr-3870	298	10	.	.	PUNCT
fsr-3870	299	1	journal	journal	NOUN
fsr-3870	299	2	of	of	ADP
fsr-3870	299	3	business	business	NOUN
fsr-3870	299	4	69(april	69(april	NOUN
fsr-3870	299	5	)	)	PUNCT
fsr-3870	299	6	,	,	PUNCT
fsr-3870	299	7	133–157	133–157	NUM
fsr-3870	299	8	.	.	PUNCT
fsr-3870	300	1	goetzmann	goetzmann	PROPN
fsr-3870	300	2	,	,	PUNCT
fsr-3870	300	3	w.	w.	PROPN
fsr-3870	300	4	,	,	PUNCT
fsr-3870	300	5	&	&	CCONJ
fsr-3870	300	6	ibbotson	ibbotson	PROPN
fsr-3870	300	7	,	,	PUNCT
fsr-3870	300	8	r.	r.	PROPN
fsr-3870	300	9	g.	g.	PROPN
fsr-3870	300	10	(	(	PUNCT
fsr-3870	300	11	1994	1994	NUM
fsr-3870	300	12	)	)	PUNCT
fsr-3870	300	13	.	.	PUNCT
fsr-3870	301	1	do	do	VERB
fsr-3870	301	2	winners	winner	NOUN
fsr-3870	301	3	repeat?journal	repeat?journal	PROPN
fsr-3870	301	4	of	of	ADP
fsr-3870	301	5	portfolio	portfolio	NOUN
fsr-3870	301	6	management	management	PROPN
fsr-3870	301	7	20(winter	20(winter	NUM
fsr-3870	301	8	)	)	PUNCT
fsr-3870	301	9	,	,	PUNCT
fsr-3870	301	10	9–18	9–18	PROPN
fsr-3870	301	11	.	.	PUNCT
fsr-3870	301	12	hendricks	hendrick	NOUN
fsr-3870	301	13	,	,	PUNCT
fsr-3870	301	14	d.	d.	PROPN
fsr-3870	301	15	,	,	PUNCT
fsr-3870	301	16	patel	patel	PROPN
fsr-3870	301	17	,	,	PUNCT
fsr-3870	301	18	j.	j.	PROPN
fsr-3870	301	19	,	,	PUNCT
fsr-3870	301	20	&	&	CCONJ
fsr-3870	301	21	zeckhauser	zeckhauser	PROPN
fsr-3870	301	22	,	,	PUNCT
fsr-3870	301	23	r.	r.	PROPN
fsr-3870	301	24	(	(	PUNCT
fsr-3870	301	25	1993	1993	NUM
fsr-3870	301	26	)	)	PUNCT
fsr-3870	301	27	.	.	PUNCT
fsr-3870	302	1	hot	hot	ADJ
fsr-3870	302	2	hands	hand	NOUN
fsr-3870	302	3	in	in	ADP
fsr-3870	302	4	mutual	mutual	ADJ
fsr-3870	302	5	funds	fund	NOUN
fsr-3870	302	6	:	:	PUNCT
fsr-3870	302	7	short	short	ADJ
fsr-3870	302	8	-	-	PUNCT
fsr-3870	302	9	run	run	NOUN
fsr-3870	302	10	persistence	persistence	NOUN
fsr-3870	302	11	of	of	ADP
fsr-3870	302	12	relative	relative	ADJ
fsr-3870	302	13	performance	performance	NOUN
fsr-3870	302	14	,	,	PUNCT
fsr-3870	302	15	1974–1988.journal	1974–1988.journal	NUM
fsr-3870	302	16	of	of	ADP
fsr-3870	302	17	finance	finance	NOUN
fsr-3870	302	18	48(march	48(march	NUM
fsr-3870	302	19	)	)	PUNCT
fsr-3870	302	20	,	,	PUNCT
fsr-3870	302	21	93–130	93–130	PROPN
fsr-3870	302	22	.	.	PUNCT
fsr-3870	302	23	investment	investment	NOUN
fsr-3870	302	24	company	company	PROPN
fsr-3870	302	25	institute	institute	NOUN
fsr-3870	302	26	.	.	PUNCT
fsr-3870	303	1	(	(	PUNCT
fsr-3870	303	2	1999	1999	NUM
fsr-3870	303	3	)	)	PUNCT
fsr-3870	303	4	.	.	PUNCT
fsr-3870	304	1	1999	1999	NUM
fsr-3870	304	2	mutual	mutual	ADJ
fsr-3870	304	3	fund	fund	NOUN
fsr-3870	304	4	fact	fact	NOUN
fsr-3870	304	5	book	book	NOUN
fsr-3870	304	6	.	.	PUNCT
fsr-3870	305	1	available	available	ADJ
fsr-3870	305	2	online	online	ADV
fsr-3870	305	3	:	:	PUNCT
fsr-3870	306	1	www.ici.org	www.ici.org	PROPN
fsr-3870	306	2	.	.	PUNCT
fsr-3870	306	3	kahn	kahn	PROPN
fsr-3870	306	4	,	,	PUNCT
fsr-3870	306	5	r.	r.	PROPN
fsr-3870	306	6	n.	n.	PROPN
fsr-3870	306	7	,	,	PUNCT
fsr-3870	306	8	&	&	CCONJ
fsr-3870	306	9	rudd	rudd	PROPN
fsr-3870	306	10	,	,	PUNCT
fsr-3870	306	11	a.	a.	NOUN
fsr-3870	306	12	(	(	PUNCT
fsr-3870	306	13	1995	1995	NUM
fsr-3870	306	14	)	)	PUNCT
fsr-3870	306	15	.	.	PUNCT
fsr-3870	307	1	does	do	AUX
fsr-3870	307	2	historical	historical	ADJ
fsr-3870	307	3	performance	performance	NOUN
fsr-3870	307	4	predict	predict	VERB
fsr-3870	307	5	future	future	ADJ
fsr-3870	307	6	performance?financial	performance?financial	ADJ
fsr-3870	307	7	analysts	analyst	NOUN
fsr-3870	307	8	journal	journal	NOUN
fsr-3870	307	9	51(nov.–dec	51(nov.–dec	NUM
fsr-3870	307	10	.	.	PUNCT
fsr-3870	307	11	)	)	PUNCT
fsr-3870	307	12	,	,	PUNCT
fsr-3870	308	1	43–52	43–52	PROPN
fsr-3870	308	2	.	.	PUNCT
fsr-3870	308	3	kimmelman	kimmelman	PROPN
fsr-3870	308	4	,	,	PUNCT
fsr-3870	308	5	j.	j.	PROPN
fsr-3870	308	6	(	(	PUNCT
fsr-3870	308	7	1995	1995	NUM
fsr-3870	308	8	,	,	PUNCT
fsr-3870	308	9	june	june	PROPN
fsr-3870	308	10	9	9	NUM
fsr-3870	308	11	)	)	PUNCT
fsr-3870	308	12	.	.	PUNCT
fsr-3870	309	1	banks	bank	NOUN
fsr-3870	309	2	best	well	ADV
fsr-3870	309	3	at	at	ADP
fsr-3870	309	4	disclosing	disclose	VERB
fsr-3870	309	5	risks	risk	NOUN
fsr-3870	309	6	,	,	PUNCT
fsr-3870	309	7	study	study	NOUN
fsr-3870	309	8	finds.american	finds.american	ADJ
fsr-3870	309	9	banker	banker	NOUN
fsr-3870	309	10	,	,	PUNCT
fsr-3870	309	11	p.	p.	NOUN
fsr-3870	309	12	10	10	NUM
fsr-3870	309	13	.	.	PUNCT
fsr-3870	310	1	malkiel	malkiel	PROPN
fsr-3870	310	2	,	,	PUNCT
fsr-3870	310	3	b.	b.	PROPN
fsr-3870	310	4	(	(	PUNCT
fsr-3870	310	5	1995	1995	NUM
fsr-3870	310	6	)	)	PUNCT
fsr-3870	310	7	.	.	PUNCT
fsr-3870	311	1	returns	return	NOUN
fsr-3870	311	2	from	from	ADP
fsr-3870	311	3	investing	invest	VERB
fsr-3870	311	4	in	in	ADP
fsr-3870	311	5	equity	equity	NOUN
fsr-3870	311	6	mutual	mutual	ADJ
fsr-3870	311	7	funds	fund	NOUN
fsr-3870	311	8	1971	1971	NUM
fsr-3870	311	9	to	to	ADP
fsr-3870	311	10	1991.journal	1991.journal	NUM
fsr-3870	311	11	of	of	ADP
fsr-3870	311	12	finance	finance	NOUN
fsr-3870	311	13	50(june	50(june	NUM
fsr-3870	311	14	)	)	PUNCT
fsr-3870	311	15	,	,	PUNCT
fsr-3870	311	16	549–572	549–572	NUM
fsr-3870	311	17	.	.	PUNCT
fsr-3870	312	1	market	market	NOUN
fsr-3870	312	2	trends	trend	NOUN
fsr-3870	312	3	.	.	PUNCT
fsr-3870	313	1	(	(	PUNCT
fsr-3870	313	2	1996	1996	NUM
fsr-3870	313	3	,	,	PUNCT
fsr-3870	313	4	may	may	AUX
fsr-3870	313	5	5).survey	5).survey	VERB
fsr-3870	313	6	of	of	ADP
fsr-3870	313	7	nondeposit	nondeposit	NOUN
fsr-3870	313	8	investment	investment	NOUN
fsr-3870	313	9	sales	sale	NOUN
fsr-3870	313	10	at	at	ADP
fsr-3870	313	11	fdic	fdic	ADJ
fsr-3870	313	12	-	-	PUNCT
fsr-3870	313	13	insured	insure	VERB
fsr-3870	313	14	institutions	institution	NOUN
fsr-3870	313	15	.	.	PUNCT
fsr-3870	314	1	plasencia	plasencia	PROPN
fsr-3870	314	2	,	,	PUNCT
fsr-3870	314	3	w.	w.	PROPN
fsr-3870	314	4	,	,	PUNCT
fsr-3870	314	5	&	&	CCONJ
fsr-3870	314	6	cope	cope	VERB
fsr-3870	314	7	,	,	PUNCT
fsr-3870	314	8	d.	d.	PROPN
fsr-3870	314	9	(	(	PUNCT
fsr-3870	314	10	1996	1996	NUM
fsr-3870	314	11	,	,	PUNCT
fsr-3870	314	12	january	january	PROPN
fsr-3870	314	13	19	19	NUM
fsr-3870	314	14	)	)	PUNCT
fsr-3870	314	15	.	.	PUNCT
fsr-3870	315	1	blasted	blast	VERB
fsr-3870	315	2	on	on	ADP
fsr-3870	315	3	mutual	mutual	ADJ
fsr-3870	315	4	fund	fund	NOUN
fsr-3870	315	5	disclosure	disclosure	NOUN
fsr-3870	315	6	,	,	PUNCT
fsr-3870	315	7	banks	bank	NOUN
fsr-3870	315	8	hit	hit	VERB
fsr-3870	315	9	back.american	back.american	PROPN
fsr-3870	315	10	banker	banker	NOUN
fsr-3870	315	11	.	.	PUNCT
fsr-3870	316	1	schultz	schultz	PROPN
fsr-3870	316	2	,	,	PUNCT
fsr-3870	316	3	e.	e.	PROPN
fsr-3870	316	4	(	(	PUNCT
fsr-3870	316	5	1995	1995	NUM
fsr-3870	316	6	,	,	PUNCT
fsr-3870	316	7	december	december	PROPN
fsr-3870	316	8	22	22	NUM
fsr-3870	316	9	)	)	PUNCT
fsr-3870	316	10	.	.	PUNCT
fsr-3870	317	1	helpful	helpful	ADJ
fsr-3870	317	2	or	or	CCONJ
fsr-3870	317	3	confusing	confusing	ADJ
fsr-3870	317	4	?	?	PUNCT
fsr-3870	318	1	fund	fund	NOUN
fsr-3870	318	2	choices	choice	NOUN
fsr-3870	318	3	multiply	multiply	ADV
fsr-3870	318	4	for	for	ADP
fsr-3870	318	5	many	many	ADJ
fsr-3870	318	6	retirement	retirement	NOUN
fsr-3870	318	7	plans.the	plans.the	PRON
fsr-3870	318	8	wall	wall	PROPN
fsr-3870	318	9	street	street	PROPN
fsr-3870	318	10	journal	journal	PROPN
fsr-3870	318	11	,	,	PUNCT
fsr-3870	318	12	pp	pp	PROPN
fsr-3870	318	13	.	.	PUNCT
fsr-3870	319	1	c1	c1	PROPN
fsr-3870	319	2	,	,	PUNCT
fsr-3870	319	3	c25	c25	PROPN
fsr-3870	319	4	.	.	PROPN
fsr-3870	320	1	updegrave	updegrave	PROPN
fsr-3870	320	2	,	,	PUNCT
fsr-3870	320	3	w.	w.	PROPN
fsr-3870	320	4	l.	l.	PROPN
fsr-3870	320	5	(	(	PUNCT
fsr-3870	320	6	1996	1996	NUM
fsr-3870	320	7	)	)	PUNCT
fsr-3870	320	8	.	.	PUNCT
fsr-3870	321	1	fund	fund	NOUN
fsr-3870	321	2	investors	investor	NOUN
fsr-3870	321	3	need	need	VERB
fsr-3870	321	4	to	to	PART
fsr-3870	321	5	go	go	VERB
fsr-3870	321	6	back	back	ADV
fsr-3870	321	7	to	to	ADP
fsr-3870	321	8	school.money(february	school.money(february	NOUN
fsr-3870	321	9	)	)	PUNCT
fsr-3870	322	1	98–100	98–100	PROPN
fsr-3870	322	2	.	.	PUNCT
fsr-3870	323	1	316	316	NUM
fsr-3870	323	2	g.j	g.j	PROPN
fsr-3870	323	3	.	.	PUNCT
fsr-3870	323	4	alexander	alexander	PROPN
fsr-3870	323	5	et	et	PROPN
fsr-3870	323	6	al	al	PROPN
fsr-3870	323	7	.	.	PUNCT
fsr-3870	323	8	/	/	SYM
fsr-3870	323	9	financial	financial	ADJ
fsr-3870	323	10	services	service	NOUN
fsr-3870	323	11	review	review	VERB
fsr-3870	323	12	7	7	NUM
fsr-3870	323	13	(	(	PUNCT
fsr-3870	323	14	1998	1998	NUM
fsr-3870	323	15	)	)	PUNCT
fsr-3870	323	16	301–316	301–316	NUM