id	sid	tid	token	lemma	pos
fsr-3871	1	1	pii	pii	PROPN
fsr-3871	1	2	:	:	PUNCT
fsr-3871	1	3	s1057	s1057	NOUN
fsr-3871	1	4	-	-	PUNCT
fsr-3871	1	5	0810(99)00019	0810(99)00019	NUM
fsr-3871	1	6	-	-	PUNCT
fsr-3871	1	7	0	0	NUM
fsr-3871	1	8	book	book	NOUN
fsr-3871	1	9	,	,	PUNCT
fsr-3871	1	10	software	software	NOUN
fsr-3871	1	11	and	and	CCONJ
fsr-3871	1	12	website	website	NOUN
fsr-3871	1	13	reviews	review	VERB
fsr-3871	1	14	history	history	NOUN
fsr-3871	1	15	of	of	ADP
fsr-3871	1	16	the	the	DET
fsr-3871	1	17	eighties	eighty	NOUN
fsr-3871	1	18	,	,	PUNCT
fsr-3871	1	19	lessons	lesson	NOUN
fsr-3871	1	20	for	for	ADP
fsr-3871	1	21	the	the	DET
fsr-3871	1	22	future	future	NOUN
fsr-3871	1	23	,	,	PUNCT
fsr-3871	1	24	vol	vol	NOUN
fsr-3871	1	25	.	.	NOUN
fsr-3871	1	26	1	1	NUM
fsr-3871	1	27	federal	federal	ADJ
fsr-3871	1	28	deposits	deposit	NOUN
fsr-3871	1	29	insurance	insurance	NOUN
fsr-3871	1	30	corporation	corporation	NOUN
fsr-3871	1	31	,	,	PUNCT
fsr-3871	1	32	1997	1997	NUM
fsr-3871	1	33	,	,	PUNCT
fsr-3871	1	34	572	572	NUM
fsr-3871	1	35	pp	pp	NOUN
fsr-3871	1	36	.	.	PUNCT
fsr-3871	2	1	american	american	ADJ
fsr-3871	2	2	finance	finance	PROPN
fsr-3871	2	3	for	for	ADP
fsr-3871	2	4	the	the	DET
fsr-3871	2	5	twenty	twenty	NUM
fsr-3871	2	6	-	-	PUNCT
fsr-3871	2	7	first	first	ADJ
fsr-3871	2	8	century	century	NOUN
fsr-3871	2	9	robert	robert	PROPN
fsr-3871	2	10	e.	e.	PROPN
fsr-3871	2	11	litan	litan	PROPN
fsr-3871	2	12	,	,	PUNCT
fsr-3871	2	13	united	united	PROPN
fsr-3871	2	14	states	states	PROPN
fsr-3871	2	15	department	department	PROPN
fsr-3871	2	16	of	of	ADP
fsr-3871	2	17	treasury	treasury	PROPN
fsr-3871	2	18	,	,	PUNCT
fsr-3871	2	19	nov	nov	PROPN
fsr-3871	2	20	.	.	PROPN
fsr-3871	2	21	7	7	NUM
fsr-3871	2	22	,	,	PUNCT
fsr-3871	2	23	1997	1997	NUM
fsr-3871	2	24	,	,	PUNCT
fsr-3871	2	25	162	162	NUM
fsr-3871	2	26	pp	pp	NOUN
fsr-3871	2	27	.	.	PUNCT
fsr-3871	3	1	asset	asset	NOUN
fsr-3871	3	2	securitization	securitization	NOUN
fsr-3871	3	3	—	—	PUNCT
fsr-3871	3	4	liquidity	liquidity	NOUN
fsr-3871	3	5	and	and	CCONJ
fsr-3871	3	6	funds	fund	NOUN
fsr-3871	3	7	management	management	NOUN
fsr-3871	3	8	,	,	PUNCT
fsr-3871	3	9	controller	controller	NOUN
fsr-3871	3	10	’s	’s	PART
fsr-3871	3	11	handbook	handbook	NOUN
fsr-3871	3	12	.	.	PUNCT
fsr-3871	4	1	washington	washington	PROPN
fsr-3871	4	2	,	,	PUNCT
fsr-3871	4	3	d.c	d.c	PROPN
fsr-3871	4	4	.	.	PUNCT
fsr-3871	4	5	nov	nov	PROPN
fsr-3871	4	6	.	.	PROPN
fsr-3871	4	7	1997	1997	NUM
fsr-3871	4	8	,	,	PUNCT
fsr-3871	4	9	90	90	NUM
fsr-3871	4	10	pp	pp	NOUN
fsr-3871	4	11	.	.	PUNCT
fsr-3871	5	1	the	the	DET
fsr-3871	5	2	purpose	purpose	NOUN
fsr-3871	5	3	of	of	ADP
fsr-3871	5	4	this	this	DET
fsr-3871	5	5	review	review	NOUN
fsr-3871	5	6	is	be	AUX
fsr-3871	5	7	to	to	PART
fsr-3871	5	8	alert	alert	VERB
fsr-3871	5	9	the	the	DET
fsr-3871	5	10	reader	reader	NOUN
fsr-3871	5	11	to	to	ADP
fsr-3871	5	12	the	the	DET
fsr-3871	5	13	recent	recent	ADJ
fsr-3871	5	14	publication	publication	NOUN
fsr-3871	5	15	of	of	ADP
fsr-3871	5	16	three	three	NUM
fsr-3871	5	17	separate	separate	ADJ
fsr-3871	5	18	reports	report	NOUN
fsr-3871	5	19	by	by	ADP
fsr-3871	5	20	federal	federal	ADJ
fsr-3871	5	21	agencies	agency	NOUN
fsr-3871	5	22	.	.	PUNCT
fsr-3871	6	1	all	all	PRON
fsr-3871	6	2	of	of	ADP
fsr-3871	6	3	the	the	DET
fsr-3871	6	4	reports	report	NOUN
fsr-3871	6	5	are	be	AUX
fsr-3871	6	6	potential	potential	ADJ
fsr-3871	6	7	additions	addition	NOUN
fsr-3871	6	8	to	to	ADP
fsr-3871	6	9	a	a	DET
fsr-3871	6	10	reading	reading	NOUN
fsr-3871	6	11	list	list	NOUN
fsr-3871	6	12	in	in	ADP
fsr-3871	6	13	a	a	DET
fsr-3871	6	14	financial	financial	ADJ
fsr-3871	6	15	institutions	institution	NOUN
fsr-3871	6	16	course	course	NOUN
fsr-3871	6	17	.	.	PUNCT
fsr-3871	7	1	the	the	DET
fsr-3871	7	2	thesis	thesis	NOUN
fsr-3871	7	3	of	of	ADP
fsr-3871	7	4	the	the	DET
fsr-3871	7	5	fdic	fdic	PROPN
fsr-3871	7	6	report	report	PROPN
fsr-3871	7	7	,	,	PUNCT
fsr-3871	7	8	histories	history	NOUN
fsr-3871	7	9	for	for	ADP
fsr-3871	7	10	the	the	DET
fsr-3871	7	11	eighties	eighty	NOUN
fsr-3871	7	12	,	,	PUNCT
fsr-3871	7	13	lessons	lesson	NOUN
fsr-3871	7	14	for	for	ADP
fsr-3871	7	15	the	the	DET
fsr-3871	7	16	future	future	NOUN
fsr-3871	7	17	,	,	PUNCT
fsr-3871	7	18	is	be	AUX
fsr-3871	7	19	that	that	SCONJ
fsr-3871	7	20	bank	bank	NOUN
fsr-3871	7	21	failures	failure	NOUN
fsr-3871	7	22	in	in	ADP
fsr-3871	7	23	the	the	DET
fsr-3871	7	24	1980s	1980	NOUN
fsr-3871	7	25	did	do	AUX
fsr-3871	7	26	not	not	PART
fsr-3871	7	27	have	have	VERB
fsr-3871	7	28	a	a	DET
fsr-3871	7	29	short	short	ADJ
fsr-3871	7	30	list	list	NOUN
fsr-3871	7	31	of	of	ADP
fsr-3871	7	32	causes	cause	NOUN
fsr-3871	7	33	.	.	PUNCT
fsr-3871	8	1	rather	rather	ADV
fsr-3871	8	2	they	they	PRON
fsr-3871	8	3	resulted	result	VERB
fsr-3871	8	4	from	from	ADP
fsr-3871	8	5	the	the	DET
fsr-3871	8	6	concurrence	concurrence	NOUN
fsr-3871	8	7	of	of	ADP
fsr-3871	8	8	a	a	DET
fsr-3871	8	9	number	number	NOUN
fsr-3871	8	10	of	of	ADP
fsr-3871	8	11	forces	force	NOUN
fsr-3871	8	12	-	-	PUNCT
fsr-3871	8	13	economic	economic	ADJ
fsr-3871	8	14	,	,	PUNCT
fsr-3871	8	15	financial	financial	ADJ
fsr-3871	8	16	,	,	PUNCT
fsr-3871	8	17	legislative	legislative	ADJ
fsr-3871	8	18	,	,	PUNCT
fsr-3871	8	19	supervisory	supervisory	ADJ
fsr-3871	8	20	,	,	PUNCT
fsr-3871	8	21	and	and	CCONJ
fsr-3871	8	22	managerial	managerial	NOUN
fsr-3871	8	23	-	-	PUNCT
fsr-3871	8	24	which	which	PRON
fsr-3871	8	25	working	work	VERB
fsr-3871	8	26	together	together	ADV
fsr-3871	8	27	produced	produce	VERB
fsr-3871	8	28	a	a	DET
fsr-3871	8	29	decade	decade	NOUN
fsr-3871	8	30	of	of	ADP
fsr-3871	8	31	bank	bank	NOUN
fsr-3871	8	32	crisis	crisis	NOUN
fsr-3871	8	33	.	.	PUNCT
fsr-3871	9	1	the	the	DET
fsr-3871	9	2	first	first	ADJ
fsr-3871	9	3	section	section	NOUN
fsr-3871	9	4	of	of	ADP
fsr-3871	9	5	the	the	DET
fsr-3871	9	6	report	report	NOUN
fsr-3871	9	7	provided	provide	VERB
fsr-3871	9	8	a	a	DET
fsr-3871	9	9	review	review	NOUN
fsr-3871	9	10	if	if	SCONJ
fsr-3871	9	11	the	the	DET
fsr-3871	9	12	challenges	challenge	NOUN
fsr-3871	9	13	to	to	ADP
fsr-3871	9	14	the	the	DET
fsr-3871	9	15	banking	banking	NOUN
fsr-3871	9	16	industry	industry	NOUN
fsr-3871	9	17	created	create	VERB
fsr-3871	9	18	by	by	ADP
fsr-3871	9	19	the	the	DET
fsr-3871	9	20	operating	operating	NOUN
fsr-3871	9	21	environment	environment	NOUN
fsr-3871	9	22	in	in	ADP
fsr-3871	9	23	the	the	DET
fsr-3871	9	24	1970s	1970s	NUM
fsr-3871	9	25	.	.	PUNCT
fsr-3871	10	1	the	the	DET
fsr-3871	10	2	legislative	legislative	ADJ
fsr-3871	10	3	mandates	mandate	NOUN
fsr-3871	10	4	of	of	ADP
fsr-3871	10	5	the	the	DET
fsr-3871	10	6	1980s	1980	NOUN
fsr-3871	10	7	and	and	CCONJ
fsr-3871	10	8	1990s	1990	NOUN
fsr-3871	10	9	are	be	AUX
fsr-3871	10	10	summarized	summarize	VERB
fsr-3871	10	11	with	with	ADP
fsr-3871	10	12	special	special	ADJ
fsr-3871	10	13	attention	attention	NOUN
fsr-3871	10	14	paid	pay	VERB
fsr-3871	10	15	to	to	ADP
fsr-3871	10	16	the	the	DET
fsr-3871	10	17	impact	impact	NOUN
fsr-3871	10	18	these	these	DET
fsr-3871	10	19	changes	change	NOUN
fsr-3871	10	20	had	have	VERB
fsr-3871	10	21	on	on	ADP
fsr-3871	10	22	bank	bank	NOUN
fsr-3871	10	23	failures	failure	NOUN
fsr-3871	10	24	.	.	PUNCT
fsr-3871	11	1	the	the	DET
fsr-3871	11	2	section	section	NOUN
fsr-3871	11	3	concludes	conclude	VERB
fsr-3871	11	4	with	with	ADP
fsr-3871	11	5	a	a	DET
fsr-3871	11	6	discussion	discussion	NOUN
fsr-3871	11	7	of	of	ADP
fsr-3871	11	8	the	the	DET
fsr-3871	11	9	interagency	interagency	NOUN
fsr-3871	11	10	conflicts	conflict	NOUN
fsr-3871	11	11	between	between	ADP
fsr-3871	11	12	fdic	fdic	PROPN
fsr-3871	11	13	and	and	CCONJ
fsr-3871	11	14	occ	occ	PROPN
fsr-3871	11	15	.	.	PROPN
fsr-3871	12	1	in	in	ADP
fsr-3871	12	2	the	the	DET
fsr-3871	12	3	second	second	ADJ
fsr-3871	12	4	section	section	NOUN
fsr-3871	12	5	of	of	ADP
fsr-3871	12	6	the	the	DET
fsr-3871	12	7	study	study	NOUN
fsr-3871	12	8	,	,	PUNCT
fsr-3871	12	9	sectoral	sectoral	ADJ
fsr-3871	12	10	and	and	CCONJ
fsr-3871	12	11	regional	regional	ADJ
fsr-3871	12	12	crises	crisis	NOUN
fsr-3871	12	13	are	be	AUX
fsr-3871	12	14	considered	consider	VERB
fsr-3871	12	15	.	.	PUNCT
fsr-3871	13	1	the	the	DET
fsr-3871	13	2	topics	topic	NOUN
fsr-3871	13	3	covered	cover	VERB
fsr-3871	13	4	include	include	VERB
fsr-3871	13	5	:	:	PUNCT
fsr-3871	13	6	ldc	ldc	PROPN
fsr-3871	13	7	debt	debt	PROPN
fsr-3871	13	8	,	,	PUNCT
fsr-3871	13	9	mutual	mutual	ADJ
fsr-3871	13	10	savings	saving	NOUN
fsr-3871	13	11	banks	bank	NOUN
fsr-3871	13	12	,	,	PUNCT
fsr-3871	13	13	the	the	DET
fsr-3871	13	14	“	"	PUNCT
fsr-3871	13	15	too	too	ADV
fsr-3871	13	16	big	big	ADJ
fsr-3871	13	17	to	to	PART
fsr-3871	13	18	fail	fail	VERB
fsr-3871	13	19	”	"	PUNCT
fsr-3871	13	20	issue	issue	NOUN
fsr-3871	13	21	,	,	PUNCT
fsr-3871	13	22	and	and	CCONJ
fsr-3871	13	23	the	the	DET
fsr-3871	13	24	cause	cause	NOUN
fsr-3871	13	25	of	of	ADP
fsr-3871	13	26	various	various	ADJ
fsr-3871	13	27	regional	regional	ADJ
fsr-3871	13	28	bank	bank	NOUN
fsr-3871	13	29	crises	crisis	NOUN
fsr-3871	13	30	.	.	PUNCT
fsr-3871	14	1	the	the	DET
fsr-3871	14	2	third	third	ADJ
fsr-3871	14	3	section	section	NOUN
fsr-3871	14	4	of	of	ADP
fsr-3871	14	5	the	the	DET
fsr-3871	14	6	study	study	NOUN
fsr-3871	14	7	discusses	discuss	VERB
fsr-3871	14	8	the	the	DET
fsr-3871	14	9	common	common	ADJ
fsr-3871	14	10	elements	element	NOUN
fsr-3871	14	11	in	in	ADP
fsr-3871	14	12	the	the	DET
fsr-3871	14	13	economic	economic	ADJ
fsr-3871	14	14	environment	environment	NOUN
fsr-3871	14	15	that	that	PRON
fsr-3871	14	16	characterized	characterize	VERB
fsr-3871	14	17	the	the	DET
fsr-3871	14	18	various	various	ADJ
fsr-3871	14	19	bank	bank	NOUN
fsr-3871	14	20	crises	crisis	NOUN
fsr-3871	14	21	and	and	CCONJ
fsr-3871	14	22	the	the	DET
fsr-3871	14	23	set	set	NOUN
fsr-3871	14	24	of	of	ADP
fsr-3871	14	25	bank	bank	NOUN
fsr-3871	14	26	behaviors	behavior	NOUN
fsr-3871	14	27	that	that	PRON
fsr-3871	14	28	amplified	amplify	VERB
fsr-3871	14	29	their	their	PRON
fsr-3871	14	30	impact	impact	NOUN
fsr-3871	14	31	.	.	PUNCT
fsr-3871	15	1	the	the	DET
fsr-3871	15	2	section	section	NOUN
fsr-3871	15	3	concludes	conclude	VERB
fsr-3871	15	4	with	with	ADP
fsr-3871	15	5	an	an	DET
fsr-3871	15	6	interesting	interesting	ADJ
fsr-3871	15	7	section	section	NOUN
fsr-3871	15	8	on	on	ADP
fsr-3871	15	9	fraud	fraud	NOUN
fsr-3871	15	10	and	and	CCONJ
fsr-3871	15	11	financial	financial	ADJ
fsr-3871	15	12	misconduct	misconduct	NOUN
fsr-3871	15	13	followed	follow	VERB
fsr-3871	15	14	by	by	ADP
fsr-3871	15	15	a	a	DET
fsr-3871	15	16	brief	brief	ADJ
fsr-3871	15	17	statement	statement	NOUN
fsr-3871	15	18	on	on	ADP
fsr-3871	15	19	the	the	DET
fsr-3871	15	20	difficulty	difficulty	NOUN
fsr-3871	15	21	the	the	DET
fsr-3871	15	22	regulatory	regulatory	ADJ
fsr-3871	15	23	community	community	NOUN
fsr-3871	15	24	has	have	VERB
fsr-3871	15	25	in	in	ADP
fsr-3871	15	26	separating	separate	VERB
fsr-3871	15	27	managerial	managerial	ADJ
fsr-3871	15	28	deficiencies	deficiency	NOUN
fsr-3871	15	29	and	and	CCONJ
fsr-3871	15	30	the	the	DET
fsr-3871	15	31	slack	slack	NOUN
fsr-3871	15	32	internal	internal	ADJ
fsr-3871	15	33	control	control	NOUN
fsr-3871	15	34	system	system	NOUN
fsr-3871	15	35	from	from	ADP
fsr-3871	15	36	fraud	fraud	NOUN
fsr-3871	15	37	.	.	PUNCT
fsr-3871	16	1	the	the	DET
fsr-3871	16	2	final	final	ADJ
fsr-3871	16	3	section	section	NOUN
fsr-3871	16	4	deals	deal	NOUN
fsr-3871	16	5	with	with	ADP
fsr-3871	16	6	the	the	DET
fsr-3871	16	7	behavior	behavior	NOUN
fsr-3871	16	8	and	and	CCONJ
fsr-3871	16	9	performance	performance	NOUN
fsr-3871	16	10	of	of	ADP
fsr-3871	16	11	the	the	DET
fsr-3871	16	12	supervisory	supervisory	ADJ
fsr-3871	16	13	agencies	agency	NOUN
fsr-3871	16	14	during	during	ADP
fsr-3871	16	15	this	this	DET
fsr-3871	16	16	period	period	NOUN
fsr-3871	16	17	and	and	CCONJ
fsr-3871	16	18	the	the	DET
fsr-3871	16	19	legal	legal	ADJ
fsr-3871	16	20	and	and	CCONJ
fsr-3871	16	21	regulatory	regulatory	ADJ
fsr-3871	16	22	constraints	constraint	NOUN
fsr-3871	16	23	they	they	PRON
fsr-3871	16	24	operate	operate	VERB
fsr-3871	16	25	under	under	ADP
fsr-3871	16	26	.	.	PUNCT
fsr-3871	17	1	the	the	DET
fsr-3871	17	2	thrust	thrust	NOUN
fsr-3871	17	3	of	of	ADP
fsr-3871	17	4	this	this	DET
fsr-3871	17	5	discussion	discussion	NOUN
fsr-3871	17	6	is	be	AUX
fsr-3871	17	7	to	to	PART
fsr-3871	17	8	present	present	VERB
fsr-3871	17	9	the	the	DET
fsr-3871	17	10	thesis	thesis	NOUN
fsr-3871	17	11	that	that	SCONJ
fsr-3871	17	12	the	the	DET
fsr-3871	17	13	supervisory	supervisory	ADJ
fsr-3871	17	14	function	function	NOUN
fsr-3871	17	15	was	be	AUX
fsr-3871	17	16	handicapped	handicap	VERB
fsr-3871	17	17	by	by	ADP
fsr-3871	17	18	a	a	DET
fsr-3871	17	19	philosophy	philosophy	NOUN
fsr-3871	17	20	that	that	PRON
fsr-3871	17	21	stresses	stress	VERB
fsr-3871	17	22	identifying	identify	VERB
fsr-3871	17	23	unacceptable	unacceptable	ADJ
fsr-3871	17	24	levels	level	NOUN
fsr-3871	17	25	of	of	ADP
fsr-3871	17	26	risk	risk	NOUN
fsr-3871	17	27	as	as	SCONJ
fsr-3871	17	28	observed	observe	VERB
fsr-3871	17	29	on	on	ADP
fsr-3871	17	30	the	the	DET
fsr-3871	17	31	financial	financial	ADJ
fsr-3871	17	32	reports	report	NOUN
fsr-3871	17	33	of	of	ADP
fsr-3871	17	34	the	the	DET
fsr-3871	17	35	banks	bank	NOUN
fsr-3871	17	36	.	.	PUNCT
fsr-3871	18	1	the	the	DET
fsr-3871	18	2	study	study	NOUN
fsr-3871	18	3	suggests	suggest	VERB
fsr-3871	18	4	that	that	SCONJ
fsr-3871	18	5	the	the	DET
fsr-3871	18	6	more	more	ADV
fsr-3871	18	7	appropriate	appropriate	ADJ
fsr-3871	18	8	policy	policy	NOUN
fsr-3871	18	9	would	would	AUX
fsr-3871	18	10	have	have	AUX
fsr-3871	18	11	been	be	AUX
fsr-3871	18	12	to	to	PART
fsr-3871	18	13	take	take	VERB
fsr-3871	18	14	a	a	DET
fsr-3871	18	15	proactive	proactive	ADJ
fsr-3871	18	16	view	view	NOUN
fsr-3871	18	17	if	if	SCONJ
fsr-3871	18	18	risk	risk	NOUN
fsr-3871	18	19	that	that	PRON
fsr-3871	18	20	stressed	stress	VERB
fsr-3871	18	21	policies	policy	NOUN
fsr-3871	18	22	that	that	PRON
fsr-3871	18	23	would	would	AUX
fsr-3871	18	24	help	help	AUX
fsr-3871	18	25	identify	identify	VERB
fsr-3871	18	26	and	and	CCONJ
fsr-3871	18	27	contain	contain	VERB
fsr-3871	18	28	risk	risk	NOUN
fsr-3871	18	29	financial	financial	ADJ
fsr-3871	18	30	services	service	NOUN
fsr-3871	18	31	review	review	VERB
fsr-3871	18	32	7	7	NUM
fsr-3871	18	33	(	(	PUNCT
fsr-3871	18	34	1998	1998	NUM
fsr-3871	18	35	)	)	PUNCT
fsr-3871	18	36	317–319	317–319	NUM
fsr-3871	18	37	1057	1057	NUM
fsr-3871	18	38	-	-	SYM
fsr-3871	18	39	0810/98/$	0810/98/$	NUM
fsr-3871	18	40	–	–	PUNCT
fsr-3871	18	41	see	see	VERB
fsr-3871	18	42	front	front	ADJ
fsr-3871	18	43	matter	matter	NOUN
fsr-3871	18	44	©	©	PROPN
fsr-3871	18	45	1999	1999	NUM
fsr-3871	18	46	elsevier	elsevier	PROPN
fsr-3871	18	47	science	science	PROPN
fsr-3871	18	48	inc	inc	PROPN
fsr-3871	18	49	.	.	PUNCT
fsr-3871	19	1	all	all	DET
fsr-3871	19	2	rights	right	NOUN
fsr-3871	19	3	reserved	reserve	VERB
fsr-3871	19	4	.	.	PUNCT
fsr-3871	20	1	pii	pii	NOUN
fsr-3871	20	2	:	:	PUNCT
fsr-3871	20	3	s1057	s1057	NOUN
fsr-3871	20	4	-	-	PUNCT
fsr-3871	20	5	0810(99)00019	0810(99)00019	NUM
fsr-3871	20	6	-	-	PUNCT
fsr-3871	20	7	0	0	NUM
fsr-3871	20	8	as	as	SCONJ
fsr-3871	20	9	it	it	PRON
fsr-3871	20	10	developed	develop	VERB
fsr-3871	20	11	.	.	PUNCT
fsr-3871	21	1	in	in	ADP
fsr-3871	21	2	a	a	DET
fsr-3871	21	3	review	review	NOUN
fsr-3871	21	4	of	of	ADP
fsr-3871	21	5	the	the	DET
fsr-3871	21	6	role	role	NOUN
fsr-3871	21	7	of	of	ADP
fsr-3871	21	8	the	the	DET
fsr-3871	21	9	fslic	fslic	NOUN
fsr-3871	21	10	was	be	AUX
fsr-3871	21	11	limited	limit	VERB
fsr-3871	21	12	in	in	ADP
fsr-3871	21	13	how	how	SCONJ
fsr-3871	21	14	it	it	PRON
fsr-3871	21	15	could	could	AUX
fsr-3871	21	16	respond	respond	VERB
fsr-3871	21	17	to	to	ADP
fsr-3871	21	18	industry	industry	NOUN
fsr-3871	21	19	problems	problem	NOUN
fsr-3871	21	20	by	by	ADP
fsr-3871	21	21	severe	severe	ADJ
fsr-3871	21	22	budget	budget	NOUN
fsr-3871	21	23	constraints	constraint	NOUN
fsr-3871	21	24	caused	cause	VERB
fsr-3871	21	25	by	by	ADP
fsr-3871	21	26	the	the	DET
fsr-3871	21	27	differentially	differentially	ADV
fsr-3871	21	28	poor	poor	ADJ
fsr-3871	21	29	funding	funding	NOUN
fsr-3871	21	30	it	it	PRON
fsr-3871	21	31	received	receive	VERB
fsr-3871	21	32	relative	relative	ADV
fsr-3871	21	33	to	to	ADP
fsr-3871	21	34	other	other	ADJ
fsr-3871	21	35	federal	federal	ADJ
fsr-3871	21	36	regulatory	regulatory	ADJ
fsr-3871	21	37	agencies	agency	NOUN
fsr-3871	21	38	.	.	PUNCT
fsr-3871	22	1	a	a	DET
fsr-3871	22	2	review	review	NOUN
fsr-3871	22	3	if	if	SCONJ
fsr-3871	22	4	occ	occ	NUM
fsr-3871	22	5	examiners	examiner	NOUN
fsr-3871	22	6	reports	report	VERB
fsr-3871	22	7	for	for	ADP
fsr-3871	22	8	the	the	DET
fsr-3871	22	9	period	period	NOUN
fsr-3871	22	10	indicates	indicate	VERB
fsr-3871	22	11	that	that	SCONJ
fsr-3871	22	12	examiners	examiner	NOUN
fsr-3871	22	13	repeatedly	repeatedly	ADV
fsr-3871	22	14	reported	report	VERB
fsr-3871	22	15	problems	problem	NOUN
fsr-3871	22	16	with	with	ADP
fsr-3871	22	17	the	the	DET
fsr-3871	22	18	internal	internal	ADJ
fsr-3871	22	19	control	control	NOUN
fsr-3871	22	20	systems	system	NOUN
fsr-3871	22	21	over	over	ADP
fsr-3871	22	22	lending	lending	NOUN
fsr-3871	22	23	operations	operation	NOUN
fsr-3871	22	24	but	but	CCONJ
fsr-3871	22	25	they	they	PRON
fsr-3871	22	26	were	be	AUX
fsr-3871	22	27	ignored	ignore	VERB
fsr-3871	22	28	until	until	ADP
fsr-3871	22	29	the	the	DET
fsr-3871	22	30	late	late	ADJ
fsr-3871	22	31	eighties	eighty	NOUN
fsr-3871	22	32	.	.	PUNCT
fsr-3871	23	1	it	it	PRON
fsr-3871	23	2	is	be	AUX
fsr-3871	23	3	interesting	interesting	ADJ
fsr-3871	23	4	to	to	PART
fsr-3871	23	5	note	note	VERB
fsr-3871	23	6	that	that	SCONJ
fsr-3871	23	7	academic	academic	ADJ
fsr-3871	23	8	literature	literature	NOUN
fsr-3871	23	9	has	have	AUX
fsr-3871	23	10	devoted	devote	VERB
fsr-3871	23	11	considerable	considerable	ADJ
fsr-3871	23	12	time	time	NOUN
fsr-3871	23	13	reflecting	reflect	VERB
fsr-3871	23	14	on	on	ADP
fsr-3871	23	15	the	the	DET
fsr-3871	23	16	adverse	adverse	ADJ
fsr-3871	23	17	incentive	incentive	NOUN
fsr-3871	23	18	system	system	NOUN
fsr-3871	23	19	created	create	VERB
fsr-3871	23	20	by	by	ADP
fsr-3871	23	21	the	the	DET
fsr-3871	23	22	flat	flat	ADJ
fsr-3871	23	23	-	-	PUNCT
fsr-3871	23	24	rate	rate	NOUN
fsr-3871	23	25	deposit	deposit	NOUN
fsr-3871	23	26	insurance	insurance	NOUN
fsr-3871	23	27	premiums	premium	NOUN
fsr-3871	23	28	;	;	PUNCT
fsr-3871	23	29	an	an	DET
fsr-3871	23	30	element	element	NOUN
fsr-3871	23	31	in	in	ADP
fsr-3871	23	32	the	the	DET
fsr-3871	23	33	discussion	discussion	NOUN
fsr-3871	23	34	that	that	PRON
fsr-3871	23	35	is	be	AUX
fsr-3871	23	36	not	not	PART
fsr-3871	23	37	given	give	VERB
fsr-3871	23	38	much	much	ADJ
fsr-3871	23	39	creditability	creditability	NOUN
fsr-3871	23	40	by	by	ADP
fsr-3871	23	41	this	this	DET
fsr-3871	23	42	study	study	NOUN
fsr-3871	23	43	.	.	PUNCT
fsr-3871	24	1	in	in	ADP
fsr-3871	24	2	preparing	prepare	VERB
fsr-3871	24	3	this	this	DET
fsr-3871	24	4	report	report	NOUN
fsr-3871	24	5	the	the	DET
fsr-3871	24	6	fdic	fdic	PROPN
fsr-3871	24	7	has	have	AUX
fsr-3871	24	8	been	be	AUX
fsr-3871	24	9	successful	successful	ADJ
fsr-3871	24	10	in	in	ADP
fsr-3871	24	11	creating	create	VERB
fsr-3871	24	12	a	a	DET
fsr-3871	24	13	readable	readable	ADJ
fsr-3871	24	14	commentary	commentary	NOUN
fsr-3871	24	15	on	on	ADP
fsr-3871	24	16	forces	force	NOUN
fsr-3871	24	17	that	that	PRON
fsr-3871	24	18	influenced	influence	VERB
fsr-3871	24	19	bank	bank	NOUN
fsr-3871	24	20	failures	failure	NOUN
fsr-3871	24	21	in	in	ADP
fsr-3871	24	22	the	the	DET
fsr-3871	24	23	decade	decade	NOUN
fsr-3871	24	24	of	of	ADP
fsr-3871	24	25	the	the	DET
fsr-3871	24	26	eighties	eighty	NOUN
fsr-3871	24	27	.	.	PUNCT
fsr-3871	25	1	the	the	DET
fsr-3871	25	2	stated	stated	ADJ
fsr-3871	25	3	purpose	purpose	NOUN
fsr-3871	25	4	of	of	ADP
fsr-3871	25	5	american	american	ADJ
fsr-3871	25	6	finance	finance	NOUN
fsr-3871	25	7	for	for	ADP
fsr-3871	25	8	the	the	DET
fsr-3871	25	9	twenty	twenty	NUM
fsr-3871	25	10	-	-	PUNCT
fsr-3871	25	11	first	first	ADJ
fsr-3871	25	12	century	century	NOUN
fsr-3871	25	13	is	be	AUX
fsr-3871	25	14	to	to	PART
fsr-3871	25	15	discuss	discuss	VERB
fsr-3871	25	16	the	the	DET
fsr-3871	25	17	changes	change	NOUN
fsr-3871	25	18	in	in	ADP
fsr-3871	25	19	the	the	DET
fsr-3871	25	20	financial	financial	ADJ
fsr-3871	25	21	service	service	NOUN
fsr-3871	25	22	industry	industry	NOUN
fsr-3871	25	23	through	through	ADP
fsr-3871	25	24	2010	2010	NUM
fsr-3871	25	25	,	,	PUNCT
fsr-3871	25	26	and	and	CCONJ
fsr-3871	25	27	to	to	PART
fsr-3871	25	28	review	review	VERB
fsr-3871	25	29	the	the	DET
fsr-3871	25	30	adequacy	adequacy	NOUN
fsr-3871	25	31	of	of	ADP
fsr-3871	25	32	existing	exist	VERB
fsr-3871	25	33	statutes	statute	NOUN
fsr-3871	25	34	and	and	CCONJ
fsr-3871	25	35	regulations	regulation	NOUN
fsr-3871	25	36	.	.	PUNCT
fsr-3871	26	1	the	the	DET
fsr-3871	26	2	general	general	ADJ
fsr-3871	26	3	thrust	thrust	NOUN
fsr-3871	26	4	of	of	ADP
fsr-3871	26	5	the	the	DET
fsr-3871	26	6	report	report	NOUN
fsr-3871	26	7	is	be	AUX
fsr-3871	26	8	to	to	PART
fsr-3871	26	9	provide	provide	VERB
fsr-3871	26	10	an	an	DET
fsr-3871	26	11	all	all	DET
fsr-3871	26	12	encompassing	encompass	VERB
fsr-3871	26	13	review	review	NOUN
fsr-3871	26	14	of	of	ADP
fsr-3871	26	15	the	the	DET
fsr-3871	26	16	forces	force	NOUN
fsr-3871	26	17	influencing	influence	VERB
fsr-3871	26	18	the	the	DET
fsr-3871	26	19	financial	financial	ADJ
fsr-3871	26	20	system	system	NOUN
fsr-3871	26	21	(	(	PUNCT
fsr-3871	26	22	without	without	ADP
fsr-3871	26	23	covering	cover	VERB
fsr-3871	26	24	any	any	DET
fsr-3871	26	25	topic	topic	NOUN
fsr-3871	26	26	in	in	ADP
fsr-3871	26	27	depth	depth	NOUN
fsr-3871	26	28	)	)	PUNCT
fsr-3871	26	29	.	.	PUNCT
fsr-3871	27	1	this	this	PRON
fsr-3871	27	2	makes	make	VERB
fsr-3871	27	3	the	the	DET
fsr-3871	27	4	report	report	NOUN
fsr-3871	27	5	excellent	excellent	ADJ
fsr-3871	27	6	reading	reading	NOUN
fsr-3871	27	7	for	for	ADP
fsr-3871	27	8	an	an	DET
fsr-3871	27	9	undergraduate	undergraduate	ADJ
fsr-3871	27	10	issues	issue	NOUN
fsr-3871	27	11	oriented	orient	VERB
fsr-3871	27	12	course	course	NOUN
fsr-3871	27	13	.	.	PUNCT
fsr-3871	28	1	one	one	NUM
fsr-3871	28	2	of	of	ADP
fsr-3871	28	3	the	the	DET
fsr-3871	28	4	pluses	plus	NOUN
fsr-3871	28	5	to	to	ADP
fsr-3871	28	6	the	the	DET
fsr-3871	28	7	report	report	NOUN
fsr-3871	28	8	are	be	AUX
fsr-3871	28	9	the	the	DET
fsr-3871	28	10	brief	brief	ADJ
fsr-3871	28	11	historical	historical	ADJ
fsr-3871	28	12	summaries	summary	NOUN
fsr-3871	28	13	of	of	ADP
fsr-3871	28	14	policy	policy	NOUN
fsr-3871	28	15	issues	issue	NOUN
fsr-3871	28	16	.	.	PUNCT
fsr-3871	29	1	the	the	DET
fsr-3871	29	2	assertion	assertion	NOUN
fsr-3871	29	3	,	,	PUNCT
fsr-3871	29	4	which	which	PRON
fsr-3871	29	5	i	i	PRON
fsr-3871	29	6	regard	regard	VERB
fsr-3871	29	7	as	as	ADP
fsr-3871	29	8	essentially	essentially	ADV
fsr-3871	29	9	correct	correct	ADJ
fsr-3871	29	10	,	,	PUNCT
fsr-3871	29	11	is	be	AUX
fsr-3871	29	12	that	that	SCONJ
fsr-3871	29	13	today	today	NOUN
fsr-3871	29	14	’s	’s	PART
fsr-3871	29	15	policy	policy	NOUN
fsr-3871	29	16	initiatives	initiative	NOUN
fsr-3871	29	17	and	and	CCONJ
fsr-3871	29	18	regulations	regulation	NOUN
fsr-3871	29	19	are	be	AUX
fsr-3871	29	20	oriented	orient	VERB
fsr-3871	29	21	toward	toward	ADP
fsr-3871	29	22	preventing	prevent	VERB
fsr-3871	29	23	a	a	DET
fsr-3871	29	24	second	second	ADJ
fsr-3871	29	25	great	great	ADJ
fsr-3871	29	26	depression	depression	NOUN
fsr-3871	29	27	.	.	PUNCT
fsr-3871	30	1	what	what	PRON
fsr-3871	30	2	is	be	AUX
fsr-3871	30	3	needed	need	VERB
fsr-3871	30	4	is	be	AUX
fsr-3871	30	5	a	a	DET
fsr-3871	30	6	paradigm	paradigm	NOUN
fsr-3871	30	7	shift	shift	NOUN
fsr-3871	30	8	that	that	PRON
fsr-3871	30	9	builds	build	VERB
fsr-3871	30	10	a	a	DET
fsr-3871	30	11	policy	policy	NOUN
fsr-3871	30	12	that	that	PRON
fsr-3871	30	13	seeks	seek	VERB
fsr-3871	30	14	to	to	PART
fsr-3871	30	15	contain	contain	VERB
fsr-3871	30	16	failure	failure	NOUN
fsr-3871	30	17	within	within	ADP
fsr-3871	30	18	boundaries	boundary	NOUN
fsr-3871	30	19	and	and	CCONJ
fsr-3871	30	20	recognize	recognize	VERB
fsr-3871	30	21	that	that	SCONJ
fsr-3871	30	22	markets	market	VERB
fsr-3871	30	23	reward	reward	VERB
fsr-3871	30	24	players	player	NOUN
fsr-3871	30	25	that	that	PRON
fsr-3871	30	26	embrace	embrace	VERB
fsr-3871	30	27	change	change	NOUN
fsr-3871	30	28	.	.	PUNCT
fsr-3871	31	1	the	the	DET
fsr-3871	31	2	report	report	NOUN
fsr-3871	31	3	also	also	ADV
fsr-3871	31	4	argues	argue	VERB
fsr-3871	31	5	that	that	SCONJ
fsr-3871	31	6	the	the	DET
fsr-3871	31	7	financial	financial	ADJ
fsr-3871	31	8	markets	market	NOUN
fsr-3871	31	9	are	be	AUX
fsr-3871	31	10	becoming	become	VERB
fsr-3871	31	11	more	more	ADV
fsr-3871	31	12	complex	complex	ADJ
fsr-3871	31	13	,	,	PUNCT
fsr-3871	31	14	and	and	CCONJ
fsr-3871	31	15	that	that	SCONJ
fsr-3871	31	16	legislative	legislative	ADJ
fsr-3871	31	17	and	and	CCONJ
fsr-3871	31	18	regulatory	regulatory	ADJ
fsr-3871	31	19	activities	activity	NOUN
fsr-3871	31	20	that	that	PRON
fsr-3871	31	21	seek	seek	VERB
fsr-3871	31	22	to	to	PART
fsr-3871	31	23	divide	divide	VERB
fsr-3871	31	24	the	the	DET
fsr-3871	31	25	financial	financial	ADJ
fsr-3871	31	26	world	world	NOUN
fsr-3871	31	27	into	into	ADP
fsr-3871	31	28	discrete	discrete	ADJ
fsr-3871	31	29	segments	segment	NOUN
fsr-3871	31	30	is	be	AUX
fsr-3871	31	31	doomed	doom	VERB
fsr-3871	31	32	to	to	ADP
fsr-3871	31	33	failure	failure	NOUN
fsr-3871	31	34	.	.	PUNCT
fsr-3871	32	1	this	this	DET
fsr-3871	32	2	policy	policy	NOUN
fsr-3871	32	3	should	should	AUX
fsr-3871	32	4	be	be	AUX
fsr-3871	32	5	oriented	orient	VERB
fsr-3871	32	6	toward	toward	ADP
fsr-3871	32	7	identifying	identify	VERB
fsr-3871	32	8	,	,	PUNCT
fsr-3871	32	9	isolating	isolate	VERB
fsr-3871	32	10	and	and	CCONJ
fsr-3871	32	11	disposing	dispose	VERB
fsr-3871	32	12	of	of	ADP
fsr-3871	32	13	trouble	trouble	NOUN
fsr-3871	32	14	spots	spot	NOUN
fsr-3871	32	15	that	that	PRON
fsr-3871	32	16	endanger	endanger	VERB
fsr-3871	32	17	the	the	DET
fsr-3871	32	18	stability	stability	NOUN
fsr-3871	32	19	of	of	ADP
fsr-3871	32	20	the	the	DET
fsr-3871	32	21	whole	whole	ADJ
fsr-3871	32	22	system	system	NOUN
fsr-3871	32	23	.	.	PUNCT
fsr-3871	33	1	the	the	DET
fsr-3871	33	2	report	report	NOUN
fsr-3871	33	3	is	be	AUX
fsr-3871	33	4	built	build	VERB
fsr-3871	33	5	around	around	ADP
fsr-3871	33	6	five	five	NUM
fsr-3871	33	7	distinct	distinct	ADJ
fsr-3871	33	8	themes	theme	NOUN
fsr-3871	33	9	.	.	PUNCT
fsr-3871	34	1	the	the	DET
fsr-3871	34	2	study	study	NOUN
fsr-3871	34	3	opens	open	VERB
fsr-3871	34	4	with	with	ADP
fsr-3871	34	5	a	a	DET
fsr-3871	34	6	snapshot	snapshot	ADJ
fsr-3871	34	7	view	view	NOUN
fsr-3871	34	8	of	of	ADP
fsr-3871	34	9	the	the	DET
fsr-3871	34	10	financial	financial	ADJ
fsr-3871	34	11	services	service	NOUN
fsr-3871	34	12	industry	industry	NOUN
fsr-3871	34	13	and	and	CCONJ
fsr-3871	34	14	its	its	PRON
fsr-3871	34	15	function	function	NOUN
fsr-3871	34	16	.	.	PUNCT
fsr-3871	35	1	the	the	DET
fsr-3871	35	2	discussion	discussion	NOUN
fsr-3871	35	3	is	be	AUX
fsr-3871	35	4	then	then	ADV
fsr-3871	35	5	broadened	broaden	VERB
fsr-3871	35	6	to	to	PART
fsr-3871	35	7	include	include	VERB
fsr-3871	35	8	globalization	globalization	NOUN
fsr-3871	35	9	and	and	CCONJ
fsr-3871	35	10	a	a	DET
fsr-3871	35	11	variety	variety	NOUN
fsr-3871	35	12	of	of	ADP
fsr-3871	35	13	changes	change	NOUN
fsr-3871	35	14	in	in	ADP
fsr-3871	35	15	the	the	DET
fsr-3871	35	16	information	information	NOUN
fsr-3871	35	17	system	system	NOUN
fsr-3871	35	18	.	.	PUNCT
fsr-3871	36	1	these	these	DET
fsr-3871	36	2	forces	force	NOUN
fsr-3871	36	3	of	of	ADP
fsr-3871	36	4	change	change	NOUN
fsr-3871	36	5	,	,	PUNCT
fsr-3871	36	6	it	it	PRON
fsr-3871	36	7	is	be	AUX
fsr-3871	36	8	argued	argue	VERB
fsr-3871	36	9	,	,	PUNCT
fsr-3871	36	10	have	have	AUX
fsr-3871	36	11	unleashed	unleash	VERB
fsr-3871	36	12	a	a	DET
fsr-3871	36	13	new	new	ADJ
fsr-3871	36	14	round	round	NOUN
fsr-3871	36	15	of	of	ADP
fsr-3871	36	16	competition	competition	NOUN
fsr-3871	36	17	that	that	PRON
fsr-3871	36	18	requires	require	VERB
fsr-3871	36	19	a	a	DET
fsr-3871	36	20	change	change	NOUN
fsr-3871	36	21	in	in	ADP
fsr-3871	36	22	the	the	DET
fsr-3871	36	23	orientation	orientation	NOUN
fsr-3871	36	24	and	and	CCONJ
fsr-3871	36	25	thrust	thrust	VERB
fsr-3871	36	26	of	of	ADP
fsr-3871	36	27	our	our	PRON
fsr-3871	36	28	anti	anti	ADJ
fsr-3871	36	29	-	-	ADJ
fsr-3871	36	30	trust	trust	ADJ
fsr-3871	36	31	efforts	effort	NOUN
fsr-3871	36	32	.	.	PUNCT
fsr-3871	37	1	the	the	DET
fsr-3871	37	2	new	new	ADJ
fsr-3871	37	3	policy	policy	NOUN
fsr-3871	37	4	must	must	AUX
fsr-3871	37	5	monitor	monitor	VERB
fsr-3871	37	6	the	the	DET
fsr-3871	37	7	“	"	PUNCT
fsr-3871	37	8	gatekeepers	gatekeeper	NOUN
fsr-3871	37	9	and	and	CCONJ
fsr-3871	37	10	keyholders	keyholder	NOUN
fsr-3871	37	11	”	"	PUNCT
fsr-3871	38	1	that	that	PRON
fsr-3871	38	2	control	control	VERB
fsr-3871	38	3	networks	network	NOUN
fsr-3871	38	4	and	and	CCONJ
fsr-3871	38	5	technology	technology	NOUN
fsr-3871	38	6	.	.	PUNCT
fsr-3871	39	1	the	the	DET
fsr-3871	39	2	goal	goal	NOUN
fsr-3871	39	3	of	of	ADP
fsr-3871	39	4	such	such	DET
fsr-3871	39	5	a	a	DET
fsr-3871	39	6	policy	policy	NOUN
fsr-3871	39	7	should	should	AUX
fsr-3871	39	8	be	be	AUX
fsr-3871	39	9	to	to	PART
fsr-3871	39	10	prevent	prevent	VERB
fsr-3871	39	11	a	a	DET
fsr-3871	39	12	financial	financial	ADJ
fsr-3871	39	13	meltdown	meltdown	NOUN
fsr-3871	39	14	.	.	PUNCT
fsr-3871	40	1	the	the	DET
fsr-3871	40	2	concluding	concluding	NOUN
fsr-3871	40	3	section	section	NOUN
fsr-3871	40	4	of	of	ADP
fsr-3871	40	5	the	the	DET
fsr-3871	40	6	study	study	NOUN
fsr-3871	40	7	deals	deal	VERB
fsr-3871	40	8	with	with	ADP
fsr-3871	40	9	the	the	DET
fsr-3871	40	10	broad	broad	ADJ
fsr-3871	40	11	social	social	ADJ
fsr-3871	40	12	theme	theme	NOUN
fsr-3871	40	13	that	that	SCONJ
fsr-3871	40	14	we	we	PRON
fsr-3871	40	15	need	need	VERB
fsr-3871	40	16	to	to	PART
fsr-3871	40	17	work	work	VERB
fsr-3871	40	18	to	to	PART
fsr-3871	40	19	open	open	VERB
fsr-3871	40	20	the	the	DET
fsr-3871	40	21	financial	financial	ADJ
fsr-3871	40	22	system	system	NOUN
fsr-3871	40	23	to	to	ADP
fsr-3871	40	24	all	all	DET
fsr-3871	40	25	americans	americans	PROPN
fsr-3871	40	26	.	.	PUNCT
fsr-3871	41	1	the	the	DET
fsr-3871	41	2	occ	occ	PROPN
fsr-3871	41	3	asset	asset	NOUN
fsr-3871	41	4	securitization	securitization	NOUN
fsr-3871	41	5	—	—	PUNCT
fsr-3871	41	6	liquidity	liquidity	NOUN
fsr-3871	41	7	and	and	CCONJ
fsr-3871	41	8	funds	fund	NOUN
fsr-3871	41	9	management	management	NOUN
fsr-3871	41	10	,	,	PUNCT
fsr-3871	41	11	controller	controller	NOUN
fsr-3871	41	12	’s	’s	PART
fsr-3871	41	13	handbook	handbook	NOUN
fsr-3871	41	14	is	be	AUX
fsr-3871	41	15	divided	divide	VERB
fsr-3871	41	16	into	into	ADP
fsr-3871	41	17	three	three	NUM
fsr-3871	41	18	chapters	chapter	NOUN
fsr-3871	41	19	,	,	PUNCT
fsr-3871	41	20	two	two	NUM
fsr-3871	41	21	of	of	ADP
fsr-3871	41	22	which	which	PRON
fsr-3871	41	23	provide	provide	VERB
fsr-3871	41	24	an	an	DET
fsr-3871	41	25	excellent	excellent	ADJ
fsr-3871	41	26	overview	overview	NOUN
fsr-3871	41	27	of	of	ADP
fsr-3871	41	28	the	the	DET
fsr-3871	41	29	structure	structure	NOUN
fsr-3871	41	30	of	of	ADP
fsr-3871	41	31	the	the	DET
fsr-3871	41	32	securitization	securitization	NOUN
fsr-3871	41	33	transaction	transaction	NOUN
fsr-3871	41	34	,	,	PUNCT
fsr-3871	41	35	the	the	DET
fsr-3871	41	36	mechanics	mechanic	NOUN
fsr-3871	41	37	of	of	ADP
fsr-3871	41	38	cash	cash	NOUN
fsr-3871	41	39	flow	flow	NOUN
fsr-3871	41	40	,	,	PUNCT
fsr-3871	41	41	and	and	CCONJ
fsr-3871	41	42	the	the	DET
fsr-3871	41	43	risks	risk	NOUN
fsr-3871	41	44	associated	associate	VERB
fsr-3871	41	45	with	with	ADP
fsr-3871	41	46	the	the	DET
fsr-3871	41	47	securitization	securitization	NOUN
fsr-3871	41	48	activities	activity	NOUN
fsr-3871	41	49	.	.	PUNCT
fsr-3871	42	1	although	although	SCONJ
fsr-3871	42	2	the	the	DET
fsr-3871	42	3	discussion	discussion	NOUN
fsr-3871	42	4	on	on	ADP
fsr-3871	42	5	the	the	DET
fsr-3871	42	6	structure	structure	NOUN
fsr-3871	42	7	of	of	ADP
fsr-3871	42	8	securitization	securitization	NOUN
fsr-3871	42	9	can	can	AUX
fsr-3871	42	10	be	be	AUX
fsr-3871	42	11	found	find	VERB
fsr-3871	42	12	in	in	ADP
fsr-3871	42	13	a	a	DET
fsr-3871	42	14	variety	variety	NOUN
fsr-3871	42	15	of	of	ADP
fsr-3871	42	16	sources	source	NOUN
fsr-3871	42	17	,	,	PUNCT
fsr-3871	42	18	the	the	DET
fsr-3871	42	19	detail	detail	NOUN
fsr-3871	42	20	and	and	CCONJ
fsr-3871	42	21	simplicity	simplicity	NOUN
fsr-3871	42	22	with	with	ADP
fsr-3871	42	23	which	which	PRON
fsr-3871	42	24	the	the	DET
fsr-3871	42	25	process	process	NOUN
fsr-3871	42	26	is	be	AUX
fsr-3871	42	27	covered	cover	VERB
fsr-3871	42	28	and	and	CCONJ
fsr-3871	42	29	the	the	DET
fsr-3871	42	30	example	example	NOUN
fsr-3871	42	31	provided	provide	VERB
fsr-3871	42	32	—	—	PUNCT
fsr-3871	42	33	the	the	DET
fsr-3871	42	34	credit	credit	NOUN
fsr-3871	42	35	card	card	NOUN
fsr-3871	42	36	securitization	securitization	NOUN
fsr-3871	42	37	process	process	NOUN
fsr-3871	42	38	—	—	PUNCT
fsr-3871	42	39	make	make	VERB
fsr-3871	42	40	the	the	DET
fsr-3871	42	41	discussion	discussion	NOUN
fsr-3871	42	42	a	a	DET
fsr-3871	42	43	winner	winner	NOUN
fsr-3871	42	44	for	for	ADP
fsr-3871	42	45	an	an	DET
fsr-3871	42	46	undergraduate	undergraduate	ADJ
fsr-3871	42	47	presentation	presentation	NOUN
fsr-3871	42	48	.	.	PUNCT
fsr-3871	43	1	the	the	DET
fsr-3871	43	2	discussion	discussion	NOUN
fsr-3871	43	3	of	of	ADP
fsr-3871	43	4	the	the	DET
fsr-3871	43	5	risk	risk	NOUN
fsr-3871	43	6	associated	associate	VERB
fsr-3871	43	7	with	with	ADP
fsr-3871	43	8	the	the	DET
fsr-3871	43	9	securitization	securitization	NOUN
fsr-3871	43	10	is	be	AUX
fsr-3871	43	11	simple	simple	ADJ
fsr-3871	43	12	and	and	CCONJ
fsr-3871	43	13	much	much	ADV
fsr-3871	43	14	more	more	ADV
fsr-3871	43	15	complete	complete	ADJ
fsr-3871	43	16	than	than	ADP
fsr-3871	43	17	that	that	PRON
fsr-3871	43	18	found	find	VERB
fsr-3871	43	19	in	in	ADP
fsr-3871	43	20	alternative	alternative	ADJ
fsr-3871	43	21	sources	source	NOUN
fsr-3871	43	22	.	.	PUNCT
fsr-3871	44	1	the	the	DET
fsr-3871	44	2	third	third	ADJ
fsr-3871	44	3	chapter	chapter	NOUN
fsr-3871	44	4	is	be	AUX
fsr-3871	44	5	not	not	PART
fsr-3871	44	6	of	of	ADP
fsr-3871	44	7	general	general	ADJ
fsr-3871	44	8	interest	interest	NOUN
fsr-3871	44	9	but	but	CCONJ
fsr-3871	44	10	rather	rather	ADV
fsr-3871	44	11	provides	provide	VERB
fsr-3871	44	12	a	a	DET
fsr-3871	44	13	discussion	discussion	NOUN
fsr-3871	44	14	of	of	ADP
fsr-3871	44	15	the	the	DET
fsr-3871	44	16	examination	examination	NOUN
fsr-3871	44	17	objectives	objective	NOUN
fsr-3871	44	18	as	as	SCONJ
fsr-3871	44	19	they	they	PRON
fsr-3871	44	20	relate	relate	VERB
fsr-3871	44	21	to	to	ADP
fsr-3871	44	22	the	the	DET
fsr-3871	44	23	securitization	securitization	NOUN
fsr-3871	44	24	318	318	NUM
fsr-3871	44	25	book	book	NOUN
fsr-3871	44	26	review	review	NOUN
fsr-3871	44	27	/	/	SYM
fsr-3871	44	28	financial	financial	ADJ
fsr-3871	44	29	services	service	NOUN
fsr-3871	44	30	review	review	VERB
fsr-3871	44	31	7	7	NUM
fsr-3871	44	32	(	(	PUNCT
fsr-3871	44	33	1998	1998	NUM
fsr-3871	44	34	)	)	PUNCT
fsr-3871	44	35	317–319	317–319	NUM
fsr-3871	44	36	process	process	NOUN
fsr-3871	44	37	.	.	PUNCT
fsr-3871	45	1	other	other	ADJ
fsr-3871	45	2	comptroller	comptroller	NOUN
fsr-3871	45	3	’s	’s	PART
fsr-3871	45	4	handbooks	handbook	NOUN
fsr-3871	45	5	of	of	ADP
fsr-3871	45	6	possible	possible	ADJ
fsr-3871	45	7	interest	interest	NOUN
fsr-3871	45	8	include	include	VERB
fsr-3871	45	9	,	,	PUNCT
fsr-3871	45	10	capital	capital	NOUN
fsr-3871	45	11	and	and	CCONJ
fsr-3871	45	12	dividends	dividend	NOUN
fsr-3871	45	13	and	and	CCONJ
fsr-3871	45	14	mortgage	mortgage	NOUN
fsr-3871	45	15	banking	banking	NOUN
fsr-3871	45	16	.	.	PUNCT
fsr-3871	46	1	austin	austin	PROPN
fsr-3871	46	2	h.	h.	PROPN
fsr-3871	46	3	spencer	spencer	PROPN
fsr-3871	46	4	professor	professor	PROPN
fsr-3871	46	5	of	of	ADP
fsr-3871	46	6	economics	economic	NOUN
fsr-3871	46	7	and	and	CCONJ
fsr-3871	46	8	finance	finance	NOUN
fsr-3871	46	9	,	,	PUNCT
fsr-3871	46	10	western	western	PROPN
fsr-3871	46	11	carolina	carolina	PROPN
fsr-3871	46	12	university	university	PROPN
fsr-3871	46	13	,	,	PUNCT
fsr-3871	46	14	school	school	NOUN
fsr-3871	46	15	of	of	ADP
fsr-3871	46	16	business	business	NOUN
fsr-3871	46	17	,	,	PUNCT
fsr-3871	46	18	economics	economics	PROPN
fsr-3871	46	19	&	&	CCONJ
fsr-3871	46	20	finance	finance	PROPN
fsr-3871	46	21	,	,	PUNCT
fsr-3871	46	22	cullowhee	cullowhee	PROPN
fsr-3871	46	23	,	,	PUNCT
fsr-3871	46	24	nc	nc	PROPN
fsr-3871	46	25	28723	28723	NUM
fsr-3871	46	26	-	-	SYM
fsr-3871	46	27	9034	9034	NUM
fsr-3871	46	28	,	,	PUNCT
fsr-3871	46	29	usa	usa	PROPN
fsr-3871	46	30	e	e	PROPN
fsr-3871	46	31	-	-	NOUN
fsr-3871	46	32	mail	mail	NOUN
fsr-3871	46	33	address:aspence@wcu.edu	address:aspence@wcu.edu	PROPN
fsr-3871	46	34	319book	319book	PROPN
fsr-3871	46	35	review	review	NOUN
fsr-3871	46	36	/	/	SYM
fsr-3871	46	37	financial	financial	ADJ
fsr-3871	46	38	services	service	NOUN
fsr-3871	46	39	review	review	VERB
fsr-3871	46	40	7	7	NUM
fsr-3871	46	41	(	(	PUNCT
fsr-3871	46	42	1998	1998	NUM
fsr-3871	46	43	)	)	PUNCT
fsr-3871	46	44	317–319	317–319	NUM