id	sid	tid	token	lemma	pos
fsr-3872	1	1	pii	pii	PROPN
fsr-3872	1	2	:	:	PUNCT
fsr-3872	1	3	s1057	s1057	NOUN
fsr-3872	1	4	-	-	PUNCT
fsr-3872	1	5	0810(99)00018	0810(99)00018	NOUN
fsr-3872	1	6	-	-	SYM
fsr-3872	1	7	9	9	NUM
fsr-3872	1	8	authors	author	NOUN
fsr-3872	1	9	alexander	alexander	PROPN
fsr-3872	1	10	,	,	PUNCT
fsr-3872	1	11	gordon	gordon	PROPN
fsr-3872	1	12	j.	j.	PROPN
fsr-3872	1	13	,	,	PUNCT
fsr-3872	1	14	“	"	PUNCT
fsr-3872	1	15	mutual	mutual	ADJ
fsr-3872	1	16	fund	fund	NOUN
fsr-3872	1	17	shareholders	shareholder	NOUN
fsr-3872	1	18	:	:	PUNCT
fsr-3872	1	19	characteristics	characteristic	NOUN
fsr-3872	1	20	,	,	PUNCT
fsr-3872	1	21	investor	investor	NOUN
fsr-3872	1	22	knowledge	knowledge	NOUN
fsr-3872	1	23	,	,	PUNCT
fsr-3872	1	24	and	and	CCONJ
fsr-3872	1	25	sources	source	NOUN
fsr-3872	1	26	of	of	ADP
fsr-3872	1	27	information	information	NOUN
fsr-3872	1	28	,	,	PUNCT
fsr-3872	1	29	”	"	PUNCT
fsr-3872	1	30	7(4	7(4	NUM
fsr-3872	1	31	):	):	PUNCT
fsr-3872	1	32	301–316	301–316	NUM
fsr-3872	1	33	beal	beal	NOUN
fsr-3872	1	34	,	,	PUNCT
fsr-3872	1	35	diana	diana	PROPN
fsr-3872	1	36	,	,	PUNCT
fsr-3872	1	37	“	"	PUNCT
fsr-3872	1	38	‘	'	PUNCT
fsr-3872	1	39	putting	put	VERB
fsr-3872	1	40	your	your	PRON
fsr-3872	1	41	money	money	NOUN
fsr-3872	1	42	where	where	SCONJ
fsr-3872	1	43	your	your	PRON
fsr-3872	1	44	mouth	mouth	NOUN
fsr-3872	1	45	is	be	AUX
fsr-3872	1	46	’	'	PUNCT
fsr-3872	1	47	a	a	DET
fsr-3872	1	48	profile	profile	NOUN
fsr-3872	1	49	of	of	ADP
fsr-3872	1	50	ethical	ethical	ADJ
fsr-3872	1	51	investors	investor	NOUN
fsr-3872	1	52	,	,	PUNCT
fsr-3872	1	53	”	"	PUNCT
fsr-3872	1	54	7(2	7(2	NUM
fsr-3872	1	55	):	):	PUNCT
fsr-3872	1	56	129–143	129–143	PROPN
fsr-3872	1	57	bieker	bieker	NOUN
fsr-3872	1	58	,	,	PUNCT
fsr-3872	1	59	richard	richard	PROPN
fsr-3872	1	60	f.	f.	PROPN
fsr-3872	1	61	,	,	PUNCT
fsr-3872	1	62	review	review	NOUN
fsr-3872	1	63	of	of	ADP
fsr-3872	1	64	“	"	PUNCT
fsr-3872	1	65	the	the	DET
fsr-3872	1	66	wall	wall	PROPN
fsr-3872	1	67	street	street	PROPN
fsr-3872	1	68	journal	journal	PROPN
fsr-3872	1	69	interactive	interactive	PROPN
fsr-3872	1	70	edition	edition	PROPN
fsr-3872	1	71	internet	internet	NOUN
fsr-3872	1	72	site	site	NOUN
fsr-3872	1	73	,	,	PUNCT
fsr-3872	1	74	”	"	PUNCT
fsr-3872	1	75	7(3	7(3	NUM
fsr-3872	1	76	):	):	PUNCT
fsr-3872	1	77	218	218	NUM
fsr-3872	1	78	–	–	PUNCT
fsr-3872	1	79	221	221	NUM
fsr-3872	1	80	bigel	bigel	NOUN
fsr-3872	1	81	,	,	PUNCT
fsr-3872	1	82	kenneth	kenneth	PROPN
fsr-3872	1	83	s.	s.	PROPN
fsr-3872	1	84	,	,	PUNCT
fsr-3872	1	85	“	"	PUNCT
fsr-3872	1	86	the	the	DET
fsr-3872	1	87	correlations	correlation	NOUN
fsr-3872	1	88	of	of	ADP
fsr-3872	1	89	professionalization	professionalization	NOUN
fsr-3872	1	90	and	and	CCONJ
fsr-3872	1	91	compensation	compensation	NOUN
fsr-3872	1	92	sources	source	NOUN
fsr-3872	1	93	with	with	ADP
fsr-3872	1	94	the	the	DET
fsr-3872	1	95	ethical	ethical	ADJ
fsr-3872	1	96	development	development	NOUN
fsr-3872	1	97	of	of	ADP
fsr-3872	1	98	personal	personal	ADJ
fsr-3872	1	99	investment	investment	NOUN
fsr-3872	1	100	planners	planner	NOUN
fsr-3872	1	101	,	,	PUNCT
fsr-3872	1	102	”	"	PUNCT
fsr-3872	1	103	7(4	7(4	NUM
fsr-3872	1	104	):	):	PUNCT
fsr-3872	1	105	223–236	223–236	NUM
fsr-3872	1	106	boldin	boldin	NOUN
fsr-3872	1	107	,	,	PUNCT
fsr-3872	1	108	robert	robert	PROPN
fsr-3872	1	109	j.	j.	PROPN
fsr-3872	1	110	,	,	PUNCT
fsr-3872	1	111	“	"	PUNCT
fsr-3872	1	112	credit	credit	NOUN
fsr-3872	1	113	union	union	NOUN
fsr-3872	1	114	structure	structure	NOUN
fsr-3872	1	115	:	:	PUNCT
fsr-3872	1	116	an	an	DET
fsr-3872	1	117	examination	examination	NOUN
fsr-3872	1	118	of	of	ADP
fsr-3872	1	119	potential	potential	ADJ
fsr-3872	1	120	risks	risk	NOUN
fsr-3872	1	121	,	,	PUNCT
fsr-3872	1	122	”	"	PUNCT
fsr-3872	1	123	7(3	7(3	NUM
fsr-3872	1	124	):	):	PUNCT
fsr-3872	1	125	207–215	207–215	NUM
fsr-3872	1	126	brooks	brooks	NOUN
fsr-3872	1	127	,	,	PUNCT
fsr-3872	1	128	robert	robert	PROPN
fsr-3872	1	129	,	,	PUNCT
fsr-3872	1	130	“	"	PUNCT
fsr-3872	1	131	managing	manage	VERB
fsr-3872	1	132	college	college	NOUN
fsr-3872	1	133	tuition	tuition	NOUN
fsr-3872	1	134	inflation	inflation	NOUN
fsr-3872	1	135	using	use	VERB
fsr-3872	1	136	surplus	surplus	ADJ
fsr-3872	1	137	framework	framework	NOUN
fsr-3872	1	138	methodology	methodology	NOUN
fsr-3872	1	139	,	,	PUNCT
fsr-3872	1	140	”	"	PUNCT
fsr-3872	1	141	7(4	7(4	NUM
fsr-3872	1	142	):	):	PUNCT
fsr-3872	1	143	257–271	257–271	NUM
fsr-3872	1	144	chen	chen	PROPN
fsr-3872	1	145	,	,	PUNCT
fsr-3872	1	146	haiyang	haiyang	PROPN
fsr-3872	1	147	,	,	PUNCT
fsr-3872	1	148	“	"	PUNCT
fsr-3872	1	149	an	an	DET
fsr-3872	1	150	analysis	analysis	NOUN
fsr-3872	1	151	of	of	ADP
fsr-3872	1	152	personal	personal	ADJ
fsr-3872	1	153	financial	financial	ADJ
fsr-3872	1	154	literacy	literacy	NOUN
fsr-3872	1	155	among	among	ADP
fsr-3872	1	156	college	college	NOUN
fsr-3872	1	157	students	student	NOUN
fsr-3872	1	158	,	,	PUNCT
fsr-3872	1	159	”	"	PUNCT
fsr-3872	1	160	7(2	7(2	NUM
fsr-3872	1	161	):	):	PUNCT
fsr-3872	1	162	107–128	107–128	NUM
fsr-3872	1	163	compton	compton	PROPN
fsr-3872	1	164	,	,	PUNCT
fsr-3872	1	165	william	william	PROPN
fsr-3872	1	166	s.	s.	PROPN
fsr-3872	1	167	,	,	PUNCT
fsr-3872	1	168	“	"	PUNCT
fsr-3872	1	169	a	a	DET
fsr-3872	1	170	tax	tax	NOUN
fsr-3872	1	171	-	-	PUNCT
fsr-3872	1	172	free	free	ADJ
fsr-3872	1	173	exploitation	exploitation	NOUN
fsr-3872	1	174	of	of	ADP
fsr-3872	1	175	the	the	DET
fsr-3872	1	176	turn	turn	NOUN
fsr-3872	1	177	-	-	PUNCT
fsr-3872	1	178	of	of	ADP
fsr-3872	1	179	-	-	PUNCT
fsr-3872	1	180	the	the	DET
fsr-3872	1	181	-	-	PUNCT
fsr-3872	1	182	month	month	NOUN
fsr-3872	1	183	effect	effect	NOUN
fsr-3872	1	184	:	:	PUNCT
fsr-3872	1	185	c.r.e.f	c.r.e.f	PROPN
fsr-3872	1	186	.	.	PROPN
fsr-3872	1	187	,	,	PUNCT
fsr-3872	1	188	”	"	PUNCT
fsr-3872	1	189	7(1	7(1	NUM
fsr-3872	1	190	):	):	PUNCT
fsr-3872	1	191	11–23	11–23	NUM
fsr-3872	1	192	crutchley	crutchley	NOUN
fsr-3872	1	193	,	,	PUNCT
fsr-3872	1	194	claire	claire	PROPN
fsr-3872	1	195	e.	e.	PROPN
fsr-3872	1	196	,	,	PUNCT
fsr-3872	1	197	“	"	PUNCT
fsr-3872	1	198	shareholder	shareholder	NOUN
fsr-3872	1	199	wealth	wealth	NOUN
fsr-3872	1	200	effects	effect	NOUN
fsr-3872	1	201	of	of	ADP
fsr-3872	1	202	calpers	calpers	PROPN
fsr-3872	1	203	’	'	PUNCT
fsr-3872	1	204	activism	activism	NOUN
fsr-3872	1	205	,	,	PUNCT
fsr-3872	1	206	”	"	PUNCT
fsr-3872	1	207	7(1	7(1	NUM
fsr-3872	1	208	):	):	PUNCT
fsr-3872	1	209	1–10	1–10	PROPN
fsr-3872	1	210	detzel	detzel	PROPN
fsr-3872	1	211	,	,	PUNCT
fsr-3872	1	212	f.	f.	PROPN
fsr-3872	1	213	larry	larry	PROPN
fsr-3872	1	214	,	,	PUNCT
fsr-3872	1	215	“	"	PUNCT
fsr-3872	1	216	explaining	explain	VERB
fsr-3872	1	217	persistence	persistence	NOUN
fsr-3872	1	218	in	in	ADP
fsr-3872	1	219	mutual	mutual	ADJ
fsr-3872	1	220	fund	fund	NOUN
fsr-3872	1	221	performance	performance	NOUN
fsr-3872	1	222	,	,	PUNCT
fsr-3872	1	223	”	"	PUNCT
fsr-3872	1	224	7(1	7(1	NUM
fsr-3872	1	225	):	):	PUNCT
fsr-3872	1	226	45–55	45–55	NUM
fsr-3872	1	227	domian	domian	NOUN
fsr-3872	1	228	,	,	PUNCT
fsr-3872	1	229	dale	dale	PROPN
fsr-3872	1	230	l.	l.	PROPN
fsr-3872	1	231	,	,	PUNCT
fsr-3872	1	232	“	"	PUNCT
fsr-3872	1	233	term	term	NOUN
fsr-3872	1	234	spreads	spread	NOUN
fsr-3872	1	235	and	and	CCONJ
fsr-3872	1	236	predictions	prediction	NOUN
fsr-3872	1	237	of	of	ADP
fsr-3872	1	238	bond	bond	NOUN
fsr-3872	1	239	and	and	CCONJ
fsr-3872	1	240	stock	stock	NOUN
fsr-3872	1	241	excess	excess	ADJ
fsr-3872	1	242	returns	return	NOUN
fsr-3872	1	243	,	,	PUNCT
fsr-3872	1	244	”	"	PUNCT
fsr-3872	1	245	7(1	7(1	NUM
fsr-3872	1	246	):	):	PUNCT
fsr-3872	1	247	25–44	25–44	NUM
fsr-3872	1	248	domian	domian	NOUN
fsr-3872	1	249	,	,	PUNCT
fsr-3872	1	250	dale	dale	PROPN
fsr-3872	1	251	l.	l.	PROPN
fsr-3872	1	252	,	,	PUNCT
fsr-3872	1	253	“	"	PUNCT
fsr-3872	1	254	the	the	DET
fsr-3872	1	255	rise	rise	NOUN
fsr-3872	1	256	and	and	CCONJ
fsr-3872	1	257	fall	fall	NOUN
fsr-3872	1	258	of	of	ADP
fsr-3872	1	259	the	the	DET
fsr-3872	1	260	‘	'	PUNCT
fsr-3872	1	261	dogs	dog	NOUN
fsr-3872	1	262	of	of	ADP
fsr-3872	1	263	the	the	DET
fsr-3872	1	264	dow	dow	NOUN
fsr-3872	1	265	,	,	PUNCT
fsr-3872	1	266	’	'	PUNCT
fsr-3872	1	267	”	"	PUNCT
fsr-3872	1	268	7(3	7(3	NUM
fsr-3872	1	269	):	):	PUNCT
fsr-3872	1	270	145–159	145–159	NUM
fsr-3872	1	271	gibler	gibler	NOUN
fsr-3872	1	272	,	,	PUNCT
fsr-3872	1	273	karen	karen	PROPN
fsr-3872	1	274	m.	m.	NOUN
fsr-3872	1	275	,	,	PUNCT
fsr-3872	1	276	“	"	PUNCT
fsr-3872	1	277	planning	plan	VERB
fsr-3872	1	278	to	to	PART
fsr-3872	1	279	move	move	VERB
fsr-3872	1	280	to	to	ADP
fsr-3872	1	281	retirement	retirement	NOUN
fsr-3872	1	282	housing	housing	NOUN
fsr-3872	1	283	,	,	PUNCT
fsr-3872	1	284	”	"	PUNCT
fsr-3872	1	285	7(4	7(4	NUM
fsr-3872	1	286	):	):	PUNCT
fsr-3872	1	287	291–300	291–300	NUM
fsr-3872	1	288	goss	goss	NOUN
fsr-3872	1	289	,	,	PUNCT
fsr-3872	1	290	robert	robert	PROPN
fsr-3872	1	291	p.	p.	PROPN
fsr-3872	1	292	,	,	PUNCT
fsr-3872	1	293	“	"	PUNCT
fsr-3872	1	294	comment	comment	NOUN
fsr-3872	1	295	on	on	ADP
fsr-3872	1	296	kenneth	kenneth	PROPN
fsr-3872	1	297	s.	s.	PROPN
fsr-3872	1	298	bigel	bigel	PROPN
fsr-3872	1	299	’s	’s	PART
fsr-3872	1	300	paper	paper	NOUN
fsr-3872	1	301	,	,	PUNCT
fsr-3872	1	302	”	"	PUNCT
fsr-3872	1	303	7(4	7(4	NUM
fsr-3872	1	304	):	):	PUNCT
fsr-3872	1	305	237–256	237–256	NUM
fsr-3872	1	306	goyen	goyen	NOUN
fsr-3872	1	307	,	,	PUNCT
fsr-3872	1	308	michelle	michelle	PROPN
fsr-3872	1	309	,	,	PUNCT
fsr-3872	1	310	“	"	PUNCT
fsr-3872	1	311	‘	'	PUNCT
fsr-3872	1	312	putting	put	VERB
fsr-3872	1	313	your	your	PRON
fsr-3872	1	314	money	money	NOUN
fsr-3872	1	315	where	where	SCONJ
fsr-3872	1	316	your	your	PRON
fsr-3872	1	317	mouth	mouth	NOUN
fsr-3872	1	318	is	be	AUX
fsr-3872	1	319	’	'	PUNCT
fsr-3872	1	320	a	a	DET
fsr-3872	1	321	profile	profile	NOUN
fsr-3872	1	322	of	of	ADP
fsr-3872	1	323	ethical	ethical	ADJ
fsr-3872	1	324	investors	investor	NOUN
fsr-3872	1	325	,	,	PUNCT
fsr-3872	1	326	”	"	PUNCT
fsr-3872	1	327	7(2	7(2	NUM
fsr-3872	1	328	):	):	PUNCT
fsr-3872	1	329	129–143	129–143	NUM
fsr-3872	1	330	hanna	hanna	NOUN
fsr-3872	1	331	,	,	PUNCT
fsr-3872	1	332	sherman	sherman	NOUN
fsr-3872	1	333	,	,	PUNCT
fsr-3872	1	334	“	"	PUNCT
fsr-3872	1	335	mean	mean	ADJ
fsr-3872	1	336	and	and	CCONJ
fsr-3872	1	337	pessimistic	pessimistic	ADJ
fsr-3872	1	338	projections	projection	NOUN
fsr-3872	1	339	of	of	ADP
fsr-3872	1	340	retirement	retirement	NOUN
fsr-3872	1	341	adequacy	adequacy	NOUN
fsr-3872	1	342	,	,	PUNCT
fsr-3872	1	343	”	"	PUNCT
fsr-3872	1	344	7(3	7(3	NUM
fsr-3872	1	345	):	):	PUNCT
fsr-3872	1	346	175–193	175–193	NUM
fsr-3872	1	347	hudson	hudson	PROPN
fsr-3872	1	348	,	,	PUNCT
fsr-3872	1	349	carl	carl	PROPN
fsr-3872	1	350	d.	d.	PROPN
fsr-3872	1	351	,	,	PUNCT
fsr-3872	1	352	“	"	PUNCT
fsr-3872	1	353	shareholder	shareholder	NOUN
fsr-3872	1	354	wealth	wealth	NOUN
fsr-3872	1	355	effects	effect	NOUN
fsr-3872	1	356	of	of	ADP
fsr-3872	1	357	calpers	calpers	PROPN
fsr-3872	1	358	’	'	PUNCT
fsr-3872	1	359	activism	activism	NOUN
fsr-3872	1	360	,	,	PUNCT
fsr-3872	1	361	”	"	PUNCT
fsr-3872	1	362	7(1	7(1	NUM
fsr-3872	1	363	):	):	PUNCT
fsr-3872	1	364	1–10	1–10	PROPN
fsr-3872	1	365	jensen	jensen	PROPN
fsr-3872	1	366	,	,	PUNCT
fsr-3872	1	367	marlin	marlin	PROPN
fsr-3872	1	368	r.h	r.h	PROPN
fsr-3872	1	369	.	.	PROPN
fsr-3872	1	370	,	,	PUNCT
fsr-3872	1	371	“	"	PUNCT
fsr-3872	1	372	shareholder	shareholder	NOUN
fsr-3872	1	373	wealth	wealth	NOUN
fsr-3872	1	374	effects	effect	NOUN
fsr-3872	1	375	of	of	ADP
fsr-3872	1	376	calpers	calpers	PROPN
fsr-3872	1	377	’	'	PUNCT
fsr-3872	1	378	activism	activism	NOUN
fsr-3872	1	379	,	,	PUNCT
fsr-3872	1	380	”	"	PUNCT
fsr-3872	1	381	7(1	7(1	NUM
fsr-3872	1	382	):	):	PUNCT
fsr-3872	1	383	1–10	1–10	PROPN
fsr-3872	1	384	jones	jones	PROPN
fsr-3872	1	385	,	,	PUNCT
fsr-3872	1	386	jonathan	jonathan	PROPN
fsr-3872	1	387	d.	d.	PROPN
fsr-3872	1	388	,	,	PUNCT
fsr-3872	1	389	“	"	PUNCT
fsr-3872	1	390	mutual	mutual	ADJ
fsr-3872	1	391	fund	fund	NOUN
fsr-3872	1	392	shareholders	shareholder	NOUN
fsr-3872	1	393	:	:	PUNCT
fsr-3872	1	394	characteristics	characteristic	NOUN
fsr-3872	1	395	,	,	PUNCT
fsr-3872	1	396	investor	investor	NOUN
fsr-3872	1	397	knowledge	knowledge	NOUN
fsr-3872	1	398	,	,	PUNCT
fsr-3872	1	399	and	and	CCONJ
fsr-3872	1	400	sources	source	NOUN
fsr-3872	1	401	of	of	ADP
fsr-3872	1	402	information	information	NOUN
fsr-3872	1	403	,	,	PUNCT
fsr-3872	1	404	”	"	PUNCT
fsr-3872	1	405	7(4	7(4	NUM
fsr-3872	1	406	):	):	PUNCT
fsr-3872	1	407	301–316	301–316	NUM
fsr-3872	1	408	kahl	kahl	NOUN
fsr-3872	1	409	,	,	PUNCT
fsr-3872	1	410	douglas	douglas	PROPN
fsr-3872	1	411	r.	r.	PROPN
fsr-3872	1	412	,	,	PUNCT
fsr-3872	1	413	review	review	NOUN
fsr-3872	1	414	of	of	ADP
fsr-3872	1	415	“	"	PUNCT
fsr-3872	1	416	money	money	NOUN
fsr-3872	1	417	logic	logic	NOUN
fsr-3872	1	418	:	:	PUNCT
fsr-3872	1	419	financial	financial	ADJ
fsr-3872	1	420	strategies	strategy	NOUN
fsr-3872	1	421	for	for	ADP
fsr-3872	1	422	the	the	DET
fsr-3872	1	423	smart	smart	ADJ
fsr-3872	1	424	investor	investor	NOUN
fsr-3872	1	425	,	,	PUNCT
fsr-3872	1	426	”	"	PUNCT
fsr-3872	1	427	7(3	7(3	NUM
fsr-3872	1	428	):	):	PUNCT
fsr-3872	1	429	217	217	NUM
fsr-3872	1	430	kahl	kahl	NOUN
fsr-3872	1	431	,	,	PUNCT
fsr-3872	1	432	douglas	douglas	PROPN
fsr-3872	1	433	r.	r.	PROPN
fsr-3872	1	434	,	,	PUNCT
fsr-3872	1	435	review	review	NOUN
fsr-3872	1	436	of	of	ADP
fsr-3872	1	437	“	"	PUNCT
fsr-3872	1	438	personal	personal	ADJ
fsr-3872	1	439	financial	financial	ADJ
fsr-3872	1	440	planning	planning	NOUN
fsr-3872	1	441	,	,	PUNCT
fsr-3872	1	442	”	"	PUNCT
fsr-3872	1	443	7(1	7(1	NUM
fsr-3872	1	444	):	):	PUNCT
fsr-3872	1	445	69–70	69–70	PROPN
fsr-3872	1	446	kunkel	kunkel	PROPN
fsr-3872	1	447	,	,	PUNCT
fsr-3872	1	448	robert	robert	PROPN
fsr-3872	1	449	a.	a.	PROPN
fsr-3872	1	450	,	,	PUNCT
fsr-3872	1	451	“	"	PUNCT
fsr-3872	1	452	a	a	DET
fsr-3872	1	453	tax	tax	NOUN
fsr-3872	1	454	-	-	PUNCT
fsr-3872	1	455	free	free	ADJ
fsr-3872	1	456	exploitation	exploitation	NOUN
fsr-3872	1	457	of	of	ADP
fsr-3872	1	458	the	the	DET
fsr-3872	1	459	turn	turn	NOUN
fsr-3872	1	460	-	-	PUNCT
fsr-3872	1	461	of	of	ADP
fsr-3872	1	462	-	-	PUNCT
fsr-3872	1	463	the	the	DET
fsr-3872	1	464	-	-	PUNCT
fsr-3872	1	465	month	month	NOUN
fsr-3872	1	466	effect	effect	NOUN
fsr-3872	1	467	:	:	PUNCT
fsr-3872	1	468	c.r.e.f	c.r.e.f	PROPN
fsr-3872	1	469	.	.	PROPN
fsr-3872	1	470	,	,	PUNCT
fsr-3872	1	471	”	"	PUNCT
fsr-3872	1	472	7(1	7(1	NUM
fsr-3872	1	473	):	):	PUNCT
fsr-3872	1	474	11–23	11–23	PROPN
fsr-3872	1	475	lee	lee	PROPN
fsr-3872	1	476	,	,	PUNCT
fsr-3872	1	477	euehun	euehun	PROPN
fsr-3872	1	478	,	,	PUNCT
fsr-3872	1	479	“	"	PUNCT
fsr-3872	1	480	planning	plan	VERB
fsr-3872	1	481	to	to	PART
fsr-3872	1	482	move	move	VERB
fsr-3872	1	483	to	to	ADP
fsr-3872	1	484	retirement	retirement	NOUN
fsr-3872	1	485	housing	housing	NOUN
fsr-3872	1	486	,	,	PUNCT
fsr-3872	1	487	”	"	PUNCT
fsr-3872	1	488	7(4	7(4	NUM
fsr-3872	1	489	):	):	PUNCT
fsr-3872	1	490	291–300	291–300	NUM
fsr-3872	1	491	leggett	leggett	NOUN
fsr-3872	1	492	,	,	PUNCT
fsr-3872	1	493	keith	keith	PROPN
fsr-3872	1	494	,	,	PUNCT
fsr-3872	1	495	“	"	PUNCT
fsr-3872	1	496	credit	credit	NOUN
fsr-3872	1	497	union	union	NOUN
fsr-3872	1	498	structure	structure	NOUN
fsr-3872	1	499	:	:	PUNCT
fsr-3872	1	500	an	an	DET
fsr-3872	1	501	examination	examination	NOUN
fsr-3872	1	502	of	of	ADP
fsr-3872	1	503	potential	potential	ADJ
fsr-3872	1	504	risks	risk	NOUN
fsr-3872	1	505	,	,	PUNCT
fsr-3872	1	506	”	"	PUNCT
fsr-3872	1	507	7(3	7(3	NUM
fsr-3872	1	508	):	):	PUNCT
fsr-3872	1	509	207–215	207–215	NUM
fsr-3872	1	510	louton	louton	NOUN
fsr-3872	1	511	,	,	PUNCT
fsr-3872	1	512	david	david	PROPN
fsr-3872	1	513	a.	a.	PROPN
fsr-3872	1	514	,	,	PUNCT
fsr-3872	1	515	“	"	PUNCT
fsr-3872	1	516	the	the	DET
fsr-3872	1	517	rise	rise	NOUN
fsr-3872	1	518	and	and	CCONJ
fsr-3872	1	519	fall	fall	NOUN
fsr-3872	1	520	of	of	ADP
fsr-3872	1	521	the	the	DET
fsr-3872	1	522	‘	'	PUNCT
fsr-3872	1	523	dogs	dog	NOUN
fsr-3872	1	524	of	of	ADP
fsr-3872	1	525	the	the	DET
fsr-3872	1	526	dow	dow	NOUN
fsr-3872	1	527	,	,	PUNCT
fsr-3872	1	528	’	'	PUNCT
fsr-3872	1	529	”	"	PUNCT
fsr-3872	1	530	7(3	7(3	NUM
fsr-3872	1	531	):	):	PUNCT
fsr-3872	1	532	145–159	145–159	NUM
fsr-3872	1	533	mcgoun	mcgoun	NOUN
fsr-3872	1	534	,	,	PUNCT
fsr-3872	1	535	elton	elton	PROPN
fsr-3872	1	536	g.	g.	PROPN
fsr-3872	1	537	,	,	PUNCT
fsr-3872	1	538	“	"	PUNCT
fsr-3872	1	539	the	the	DET
fsr-3872	1	540	sociology	sociology	NOUN
fsr-3872	1	541	of	of	ADP
fsr-3872	1	542	personal	personal	ADJ
fsr-3872	1	543	finance	finance	NOUN
fsr-3872	1	544	,	,	PUNCT
fsr-3872	1	545	”	"	PUNCT
fsr-3872	1	546	7(3	7(3	NUM
fsr-3872	1	547	):	):	PUNCT
fsr-3872	1	548	161–173	161–173	NUM
fsr-3872	1	549	323	323	NUM
fsr-3872	1	550	financial	financial	ADJ
fsr-3872	1	551	services	service	NOUN
fsr-3872	1	552	review	review	VERB
fsr-3872	1	553	the	the	DET
fsr-3872	1	554	journal	journal	NOUN
fsr-3872	1	555	of	of	ADP
fsr-3872	1	556	individual	individual	ADJ
fsr-3872	1	557	financial	financial	ADJ
fsr-3872	1	558	management	management	NOUN
fsr-3872	1	559	index	index	NOUN
fsr-3872	1	560	volume	volume	NOUN
fsr-3872	1	561	7	7	NUM
fsr-3872	1	562	,	,	PUNCT
fsr-3872	1	563	1998	1998	NUM
fsr-3872	1	564	mochis	mochis	NOUN
fsr-3872	1	565	,	,	PUNCT
fsr-3872	1	566	george	george	PROPN
fsr-3872	1	567	p.	p.	PROPN
fsr-3872	1	568	,	,	PUNCT
fsr-3872	1	569	“	"	PUNCT
fsr-3872	1	570	planning	plan	VERB
fsr-3872	1	571	to	to	PART
fsr-3872	1	572	move	move	VERB
fsr-3872	1	573	to	to	ADP
fsr-3872	1	574	retirement	retirement	NOUN
fsr-3872	1	575	housing	housing	NOUN
fsr-3872	1	576	,	,	PUNCT
fsr-3872	1	577	”	"	PUNCT
fsr-3872	1	578	7(4	7(4	NUM
fsr-3872	1	579	):	):	PUNCT
fsr-3872	1	580	291–300	291–300	NUM
fsr-3872	1	581	montalto	montalto	NOUN
fsr-3872	1	582	,	,	PUNCT
fsr-3872	1	583	catherine	catherine	PROPN
fsr-3872	1	584	philips	philips	PROPN
fsr-3872	1	585	,	,	PUNCT
fsr-3872	1	586	“	"	PUNCT
fsr-3872	1	587	mean	mean	ADJ
fsr-3872	1	588	and	and	CCONJ
fsr-3872	1	589	pessimistic	pessimistic	ADJ
fsr-3872	1	590	projections	projection	NOUN
fsr-3872	1	591	of	of	ADP
fsr-3872	1	592	retirement	retirement	NOUN
fsr-3872	1	593	adequacy	adequacy	NOUN
fsr-3872	1	594	,	,	PUNCT
fsr-3872	1	595	”	"	PUNCT
fsr-3872	1	596	7(3	7(3	NUM
fsr-3872	1	597	):	):	PUNCT
fsr-3872	1	598	175	175	NUM
fsr-3872	1	599	–	–	SYM
fsr-3872	1	600	193	193	NUM
fsr-3872	1	601	mossman	mossman	PROPN
fsr-3872	1	602	,	,	PUNCT
fsr-3872	1	603	charles	charles	PROPN
fsr-3872	1	604	e.	e.	PROPN
fsr-3872	1	605	,	,	PUNCT
fsr-3872	1	606	“	"	PUNCT
fsr-3872	1	607	the	the	DET
fsr-3872	1	608	rise	rise	NOUN
fsr-3872	1	609	and	and	CCONJ
fsr-3872	1	610	fall	fall	NOUN
fsr-3872	1	611	of	of	ADP
fsr-3872	1	612	the	the	DET
fsr-3872	1	613	‘	'	PUNCT
fsr-3872	1	614	dogs	dog	NOUN
fsr-3872	1	615	of	of	ADP
fsr-3872	1	616	the	the	DET
fsr-3872	1	617	dow	dow	NOUN
fsr-3872	1	618	,	,	PUNCT
fsr-3872	1	619	’	'	PUNCT
fsr-3872	1	620	”	"	PUNCT
fsr-3872	1	621	7(3	7(3	NUM
fsr-3872	1	622	):	):	PUNCT
fsr-3872	1	623	145–159	145–159	NUM
fsr-3872	1	624	nigro	nigro	NOUN
fsr-3872	1	625	,	,	PUNCT
fsr-3872	1	626	peter	peter	PROPN
fsr-3872	1	627	j.	j.	PROPN
fsr-3872	1	628	,	,	PUNCT
fsr-3872	1	629	“	"	PUNCT
fsr-3872	1	630	mutual	mutual	ADJ
fsr-3872	1	631	fund	fund	NOUN
fsr-3872	1	632	shareholders	shareholder	NOUN
fsr-3872	1	633	:	:	PUNCT
fsr-3872	1	634	characteristics	characteristic	NOUN
fsr-3872	1	635	,	,	PUNCT
fsr-3872	1	636	investor	investor	NOUN
fsr-3872	1	637	knowledge	knowledge	NOUN
fsr-3872	1	638	,	,	PUNCT
fsr-3872	1	639	and	and	CCONJ
fsr-3872	1	640	sources	source	NOUN
fsr-3872	1	641	of	of	ADP
fsr-3872	1	642	information	information	NOUN
fsr-3872	1	643	,	,	PUNCT
fsr-3872	1	644	”	"	PUNCT
fsr-3872	1	645	7(4	7(4	NUM
fsr-3872	1	646	):	):	PUNCT
fsr-3872	1	647	301–316	301–316	NUM
fsr-3872	1	648	porter	porter	NOUN
fsr-3872	1	649	,	,	PUNCT
fsr-3872	1	650	gary	gary	PROPN
fsr-3872	1	651	e.	e.	PROPN
fsr-3872	1	652	,	,	PUNCT
fsr-3872	1	653	“	"	PUNCT
fsr-3872	1	654	performance	performance	NOUN
fsr-3872	1	655	persistence	persistence	NOUN
fsr-3872	1	656	of	of	ADP
fsr-3872	1	657	experienced	experienced	ADJ
fsr-3872	1	658	mutual	mutual	ADJ
fsr-3872	1	659	fund	fund	NOUN
fsr-3872	1	660	managers	manager	NOUN
fsr-3872	1	661	,	,	PUNCT
fsr-3872	1	662	”	"	PUNCT
fsr-3872	1	663	7(1	7(1	NUM
fsr-3872	1	664	):	):	PUNCT
fsr-3872	1	665	57–68	57–68	NUM
fsr-3872	1	666	reichenstein	reichenstein	NOUN
fsr-3872	1	667	,	,	PUNCT
fsr-3872	1	668	william	william	PROPN
fsr-3872	1	669	,	,	PUNCT
fsr-3872	1	670	“	"	PUNCT
fsr-3872	1	671	calculating	calculate	VERB
fsr-3872	1	672	a	a	DET
fsr-3872	1	673	family	family	NOUN
fsr-3872	1	674	’s	’s	PART
fsr-3872	1	675	asset	asset	NOUN
fsr-3872	1	676	mix	mix	NOUN
fsr-3872	1	677	,	,	PUNCT
fsr-3872	1	678	”	"	PUNCT
fsr-3872	1	679	7(3	7(3	NUM
fsr-3872	1	680	):	):	PUNCT
fsr-3872	1	681	195–206	195–206	NUM
fsr-3872	1	682	reichenstein	reichenstein	NOUN
fsr-3872	1	683	,	,	PUNCT
fsr-3872	1	684	william	william	PROPN
fsr-3872	1	685	,	,	PUNCT
fsr-3872	1	686	“	"	PUNCT
fsr-3872	1	687	term	term	NOUN
fsr-3872	1	688	spreads	spread	NOUN
fsr-3872	1	689	and	and	CCONJ
fsr-3872	1	690	predictions	prediction	NOUN
fsr-3872	1	691	of	of	ADP
fsr-3872	1	692	bond	bond	NOUN
fsr-3872	1	693	and	and	CCONJ
fsr-3872	1	694	stock	stock	NOUN
fsr-3872	1	695	excess	excess	ADJ
fsr-3872	1	696	returns	return	NOUN
fsr-3872	1	697	,	,	PUNCT
fsr-3872	1	698	”	"	PUNCT
fsr-3872	1	699	7(1	7(1	NUM
fsr-3872	1	700	):	):	PUNCT
fsr-3872	1	701	25–44	25–44	NUM
fsr-3872	1	702	reichert	reichert	PROPN
fsr-3872	1	703	,	,	PUNCT
fsr-3872	1	704	carolyn	carolyn	PROPN
fsr-3872	1	705	,	,	PUNCT
fsr-3872	1	706	“	"	PUNCT
fsr-3872	1	707	closed	close	VERB
fsr-3872	1	708	end	end	NOUN
fsr-3872	1	709	investment	investment	NOUN
fsr-3872	1	710	companies	company	NOUN
fsr-3872	1	711	:	:	PUNCT
fsr-3872	1	712	historic	historic	ADJ
fsr-3872	1	713	returns	return	NOUN
fsr-3872	1	714	and	and	CCONJ
fsr-3872	1	715	investment	investment	NOUN
fsr-3872	1	716	strategies	strategy	NOUN
fsr-3872	1	717	,	,	PUNCT
fsr-3872	1	718	”	"	PUNCT
fsr-3872	1	719	7(2	7(2	NUM
fsr-3872	1	720	):	):	PUNCT
fsr-3872	1	721	83–93	83–93	NUM
fsr-3872	1	722	ridge	ridge	NOUN
fsr-3872	1	723	,	,	PUNCT
fsr-3872	1	724	jenny	jenny	PROPN
fsr-3872	1	725	,	,	PUNCT
fsr-3872	1	726	“	"	PUNCT
fsr-3872	1	727	innovations	innovation	NOUN
fsr-3872	1	728	in	in	ADP
fsr-3872	1	729	savings	saving	NOUN
fsr-3872	1	730	schemes	scheme	NOUN
fsr-3872	1	731	:	:	PUNCT
fsr-3872	1	732	the	the	DET
fsr-3872	1	733	bonus	bonus	NOUN
fsr-3872	1	734	bonds	bond	NOUN
fsr-3872	1	735	trust	trust	NOUN
fsr-3872	1	736	in	in	ADP
fsr-3872	1	737	new	new	PROPN
fsr-3872	1	738	zealand	zealand	PROPN
fsr-3872	1	739	,	,	PUNCT
fsr-3872	1	740	”	"	PUNCT
fsr-3872	1	741	7(2	7(2	NUM
fsr-3872	1	742	):	):	PUNCT
fsr-3872	1	743	73–81	73–81	PROPN
fsr-3872	1	744	robinson	robinson	PROPN
fsr-3872	1	745	,	,	PUNCT
fsr-3872	1	746	chris	chris	PROPN
fsr-3872	1	747	,	,	PUNCT
fsr-3872	1	748	“	"	PUNCT
fsr-3872	1	749	the	the	DET
fsr-3872	1	750	sociology	sociology	NOUN
fsr-3872	1	751	of	of	ADP
fsr-3872	1	752	personal	personal	ADJ
fsr-3872	1	753	finance	finance	NOUN
fsr-3872	1	754	,	,	PUNCT
fsr-3872	1	755	”	"	PUNCT
fsr-3872	1	756	7(3	7(3	NUM
fsr-3872	1	757	):	):	PUNCT
fsr-3872	1	758	161–173	161–173	NUM
fsr-3872	1	759	russell	russell	PROPN
fsr-3872	1	760	,	,	PUNCT
fsr-3872	1	761	judson	judson	PROPN
fsr-3872	1	762	w.	w.	PROPN
fsr-3872	1	763	,	,	PUNCT
fsr-3872	1	764	“	"	PUNCT
fsr-3872	1	765	managing	manage	VERB
fsr-3872	1	766	college	college	NOUN
fsr-3872	1	767	tuition	tuition	NOUN
fsr-3872	1	768	inflation	inflation	NOUN
fsr-3872	1	769	using	use	VERB
fsr-3872	1	770	surplus	surplus	ADJ
fsr-3872	1	771	framework	framework	NOUN
fsr-3872	1	772	methodology	methodology	NOUN
fsr-3872	1	773	,	,	PUNCT
fsr-3872	1	774	”	"	PUNCT
fsr-3872	1	775	7(4	7(4	NUM
fsr-3872	1	776	):	):	PUNCT
fsr-3872	1	777	257–271	257–271	NUM
fsr-3872	1	778	russell	russell	NOUN
fsr-3872	1	779	,	,	PUNCT
fsr-3872	1	780	judson	judson	PROPN
fsr-3872	1	781	w.	w.	PROPN
fsr-3872	1	782	,	,	PUNCT
fsr-3872	1	783	“	"	PUNCT
fsr-3872	1	784	the	the	DET
fsr-3872	1	785	international	international	ADJ
fsr-3872	1	786	diversification	diversification	NOUN
fsr-3872	1	787	fallacy	fallacy	NOUN
fsr-3872	1	788	of	of	ADP
fsr-3872	1	789	exchange	exchange	NOUN
fsr-3872	1	790	-	-	PUNCT
fsr-3872	1	791	listed	list	VERB
fsr-3872	1	792	securities	security	NOUN
fsr-3872	1	793	,	,	PUNCT
fsr-3872	1	794	”	"	PUNCT
fsr-3872	1	795	7(2	7(2	NUM
fsr-3872	1	796	):	):	PUNCT
fsr-3872	1	797	95–106	95–106	PROPN
fsr-3872	1	798	saporoschenko	saporoschenko	PROPN
fsr-3872	1	799	,	,	PUNCT
fsr-3872	1	800	andy	andy	PROPN
fsr-3872	1	801	,	,	PUNCT
fsr-3872	1	802	“	"	PUNCT
fsr-3872	1	803	do	do	AUX
fsr-3872	1	804	dividend	dividend	NOUN
fsr-3872	1	805	reinvestment	reinvestment	NOUN
fsr-3872	1	806	plans	plan	NOUN
fsr-3872	1	807	contribute	contribute	VERB
fsr-3872	1	808	to	to	ADP
fsr-3872	1	809	industrial	industrial	ADJ
fsr-3872	1	810	firm	firm	ADJ
fsr-3872	1	811	value	value	NOUN
fsr-3872	1	812	and	and	CCONJ
fsr-3872	1	813	efficiency	efficiency	NOUN
fsr-3872	1	814	?	?	PUNCT
fsr-3872	1	815	”	"	PUNCT
fsr-3872	2	1	7(4	7(4	NUM
fsr-3872	2	2	):	):	PUNCT
fsr-3872	2	3	273–289	273–289	NUM
fsr-3872	2	4	spencer	spencer	NOUN
fsr-3872	2	5	,	,	PUNCT
fsr-3872	2	6	austin	austin	PROPN
fsr-3872	2	7	h.	h.	PROPN
fsr-3872	2	8	,	,	PUNCT
fsr-3872	2	9	review	review	NOUN
fsr-3872	2	10	of	of	ADP
fsr-3872	2	11	“	"	PUNCT
fsr-3872	2	12	histories	history	NOUN
fsr-3872	2	13	of	of	ADP
fsr-3872	2	14	the	the	DET
fsr-3872	2	15	eighties	eighty	NOUN
fsr-3872	2	16	,	,	PUNCT
fsr-3872	2	17	lessons	lesson	NOUN
fsr-3872	2	18	for	for	ADP
fsr-3872	2	19	the	the	DET
fsr-3872	2	20	future	future	NOUN
fsr-3872	2	21	,	,	PUNCT
fsr-3872	2	22	vol	vol	NOUN
fsr-3872	2	23	.	.	PROPN
fsr-3872	2	24	1	1	NUM
fsr-3872	2	25	,	,	PUNCT
fsr-3872	2	26	american	american	ADJ
fsr-3872	2	27	finance	finance	NOUN
fsr-3872	2	28	for	for	ADP
fsr-3872	2	29	the	the	DET
fsr-3872	2	30	twenty	twenty	NUM
fsr-3872	2	31	-	-	PUNCT
fsr-3872	2	32	first	first	ADJ
fsr-3872	2	33	century	century	NOUN
fsr-3872	2	34	,	,	PUNCT
fsr-3872	2	35	and	and	CCONJ
fsr-3872	2	36	asset	asset	NOUN
fsr-3872	2	37	securitization	securitization	NOUN
fsr-3872	2	38	—	—	PUNCT
fsr-3872	2	39	liquidity	liquidity	NOUN
fsr-3872	2	40	and	and	CCONJ
fsr-3872	2	41	funds	fund	NOUN
fsr-3872	2	42	management	management	NOUN
fsr-3872	2	43	,	,	PUNCT
fsr-3872	2	44	controller	controller	NOUN
fsr-3872	2	45	’s	’s	PART
fsr-3872	2	46	handbook	handbook	NOUN
fsr-3872	2	47	,	,	PUNCT
fsr-3872	2	48	”	"	PUNCT
fsr-3872	2	49	7(4	7(4	NUM
fsr-3872	2	50	):	):	PUNCT
fsr-3872	2	51	317–319	317–319	NUM
fsr-3872	2	52	strand	strand	NOUN
fsr-3872	2	53	,	,	PUNCT
fsr-3872	2	54	robert	robert	PROPN
fsr-3872	2	55	,	,	PUNCT
fsr-3872	2	56	“	"	PUNCT
fsr-3872	2	57	credit	credit	NOUN
fsr-3872	2	58	union	union	NOUN
fsr-3872	2	59	structure	structure	NOUN
fsr-3872	2	60	:	:	PUNCT
fsr-3872	2	61	an	an	DET
fsr-3872	2	62	examination	examination	NOUN
fsr-3872	2	63	of	of	ADP
fsr-3872	2	64	potential	potential	ADJ
fsr-3872	2	65	risks	risk	NOUN
fsr-3872	2	66	,	,	PUNCT
fsr-3872	2	67	”	"	PUNCT
fsr-3872	2	68	7(3	7(3	NUM
fsr-3872	2	69	):	):	PUNCT
fsr-3872	2	70	207–215	207–215	NUM
fsr-3872	2	71	timmons	timmon	NOUN
fsr-3872	2	72	,	,	PUNCT
fsr-3872	2	73	j.	j.	PROPN
fsr-3872	2	74	douglas	douglas	PROPN
fsr-3872	2	75	,	,	PUNCT
fsr-3872	2	76	“	"	PUNCT
fsr-3872	2	77	closed	close	VERB
fsr-3872	2	78	end	end	NOUN
fsr-3872	2	79	investment	investment	NOUN
fsr-3872	2	80	companies	company	NOUN
fsr-3872	2	81	:	:	PUNCT
fsr-3872	2	82	historic	historic	ADJ
fsr-3872	2	83	returns	return	NOUN
fsr-3872	2	84	and	and	CCONJ
fsr-3872	2	85	investment	investment	NOUN
fsr-3872	2	86	strategies	strategy	NOUN
fsr-3872	2	87	,	,	PUNCT
fsr-3872	2	88	”	"	PUNCT
fsr-3872	2	89	7(2	7(2	NUM
fsr-3872	2	90	):	):	PUNCT
fsr-3872	2	91	83–93	83–93	NUM
fsr-3872	2	92	trifts	trift	NOUN
fsr-3872	2	93	,	,	PUNCT
fsr-3872	2	94	jack	jack	PROPN
fsr-3872	2	95	w.	w.	PROPN
fsr-3872	2	96	,	,	PUNCT
fsr-3872	2	97	“	"	PUNCT
fsr-3872	2	98	performance	performance	NOUN
fsr-3872	2	99	persistence	persistence	NOUN
fsr-3872	2	100	of	of	ADP
fsr-3872	2	101	experienced	experienced	ADJ
fsr-3872	2	102	mutual	mutual	ADJ
fsr-3872	2	103	fund	fund	NOUN
fsr-3872	2	104	managers	manager	NOUN
fsr-3872	2	105	,	,	PUNCT
fsr-3872	2	106	”	"	PUNCT
fsr-3872	2	107	7(1	7(1	NUM
fsr-3872	2	108	):	):	PUNCT
fsr-3872	2	109	57–68	57–68	NUM
fsr-3872	2	110	volpe	volpe	NOUN
fsr-3872	2	111	,	,	PUNCT
fsr-3872	2	112	ronald	ronald	PROPN
fsr-3872	2	113	p.	p.	PROPN
fsr-3872	2	114	,	,	PUNCT
fsr-3872	2	115	“	"	PUNCT
fsr-3872	2	116	an	an	DET
fsr-3872	2	117	analysis	analysis	NOUN
fsr-3872	2	118	of	of	ADP
fsr-3872	2	119	personal	personal	ADJ
fsr-3872	2	120	financial	financial	ADJ
fsr-3872	2	121	literacy	literacy	NOUN
fsr-3872	2	122	among	among	ADP
fsr-3872	2	123	college	college	NOUN
fsr-3872	2	124	students	student	NOUN
fsr-3872	2	125	,	,	PUNCT
fsr-3872	2	126	”	"	PUNCT
fsr-3872	2	127	7(2	7(2	NUM
fsr-3872	2	128	):	):	PUNCT
fsr-3872	2	129	107–128	107–128	NUM
fsr-3872	2	130	weigand	weigand	NOUN
fsr-3872	2	131	,	,	PUNCT
fsr-3872	2	132	robert	robert	PROPN
fsr-3872	2	133	a.	a.	PROPN
fsr-3872	2	134	,	,	PUNCT
fsr-3872	2	135	“	"	PUNCT
fsr-3872	2	136	explaining	explain	VERB
fsr-3872	2	137	persistence	persistence	NOUN
fsr-3872	2	138	in	in	ADP
fsr-3872	2	139	mutual	mutual	ADJ
fsr-3872	2	140	fund	fund	NOUN
fsr-3872	2	141	performance	performance	NOUN
fsr-3872	2	142	,	,	PUNCT
fsr-3872	2	143	”	"	PUNCT
fsr-3872	2	144	7(1	7(1	NUM
fsr-3872	2	145	):	):	PUNCT
fsr-3872	2	146	45–55	45–55	NUM
fsr-3872	2	147	young	young	ADJ
fsr-3872	2	148	,	,	PUNCT
fsr-3872	2	149	martin	martin	PROPN
fsr-3872	2	150	,	,	PUNCT
fsr-3872	2	151	“	"	PUNCT
fsr-3872	2	152	innovations	innovation	NOUN
fsr-3872	2	153	in	in	ADP
fsr-3872	2	154	savings	saving	NOUN
fsr-3872	2	155	schemes	scheme	NOUN
fsr-3872	2	156	:	:	PUNCT
fsr-3872	2	157	the	the	DET
fsr-3872	2	158	bonus	bonus	NOUN
fsr-3872	2	159	bonds	bond	NOUN
fsr-3872	2	160	trust	trust	NOUN
fsr-3872	2	161	in	in	ADP
fsr-3872	2	162	new	new	PROPN
fsr-3872	2	163	zealand	zealand	PROPN
fsr-3872	2	164	,	,	PUNCT
fsr-3872	2	165	”	"	PUNCT
fsr-3872	2	166	7(2	7(2	NUM
fsr-3872	2	167	):	):	PUNCT
fsr-3872	2	168	73–81	73–81	PROPN
fsr-3872	2	169	yuh	yuh	PROPN
fsr-3872	2	170	,	,	PUNCT
fsr-3872	2	171	yoonkyung	yoonkyung	NOUN
fsr-3872	2	172	,	,	PUNCT
fsr-3872	2	173	“	"	PUNCT
fsr-3872	2	174	mean	mean	ADJ
fsr-3872	2	175	and	and	CCONJ
fsr-3872	2	176	pessimistic	pessimistic	ADJ
fsr-3872	2	177	projections	projection	NOUN
fsr-3872	2	178	of	of	ADP
fsr-3872	2	179	retirement	retirement	NOUN
fsr-3872	2	180	adequacy	adequacy	NOUN
fsr-3872	2	181	,	,	PUNCT
fsr-3872	2	182	”	"	PUNCT
fsr-3872	2	183	7(3	7(3	NUM
fsr-3872	2	184	):	):	PUNCT
fsr-3872	2	185	175–193	175–193	NUM
fsr-3872	2	186	titles	title	NOUN
fsr-3872	2	187	“	"	PUNCT
fsr-3872	2	188	a	a	DET
fsr-3872	2	189	tax	tax	NOUN
fsr-3872	2	190	-	-	PUNCT
fsr-3872	2	191	free	free	ADJ
fsr-3872	2	192	exploitation	exploitation	NOUN
fsr-3872	2	193	of	of	ADP
fsr-3872	2	194	the	the	DET
fsr-3872	2	195	turn	turn	NOUN
fsr-3872	2	196	-	-	PUNCT
fsr-3872	2	197	of	of	ADP
fsr-3872	2	198	-	-	PUNCT
fsr-3872	2	199	the	the	DET
fsr-3872	2	200	-	-	PUNCT
fsr-3872	2	201	month	month	NOUN
fsr-3872	2	202	effect	effect	NOUN
fsr-3872	2	203	:	:	PUNCT
fsr-3872	2	204	c.r.e.f	c.r.e.f	PROPN
fsr-3872	2	205	.	.	PROPN
fsr-3872	2	206	,	,	PUNCT
fsr-3872	2	207	”	"	PUNCT
fsr-3872	2	208	robert	robert	PROPN
fsr-3872	2	209	a.	a.	PROPN
fsr-3872	2	210	kunkel	kunkel	PROPN
fsr-3872	2	211	,	,	PUNCT
fsr-3872	2	212	william	william	PROPN
fsr-3872	2	213	s.	s.	PROPN
fsr-3872	2	214	compton	compton	PROPN
fsr-3872	2	215	,	,	PUNCT
fsr-3872	2	216	7(1	7(1	NUM
fsr-3872	2	217	):	):	PUNCT
fsr-3872	2	218	11–23	11–23	NUM
fsr-3872	2	219	“	"	PUNCT
fsr-3872	2	220	an	an	DET
fsr-3872	2	221	analysis	analysis	NOUN
fsr-3872	2	222	of	of	ADP
fsr-3872	2	223	personal	personal	ADJ
fsr-3872	2	224	financial	financial	ADJ
fsr-3872	2	225	literacy	literacy	NOUN
fsr-3872	2	226	among	among	ADP
fsr-3872	2	227	college	college	NOUN
fsr-3872	2	228	students	student	NOUN
fsr-3872	2	229	,	,	PUNCT
fsr-3872	2	230	”	"	PUNCT
fsr-3872	2	231	haiyang	haiyang	PROPN
fsr-3872	2	232	chen	chen	PROPN
fsr-3872	2	233	,	,	PUNCT
fsr-3872	2	234	ronald	ronald	PROPN
fsr-3872	2	235	p.	p.	PROPN
fsr-3872	2	236	volpe	volpe	PROPN
fsr-3872	2	237	,	,	PUNCT
fsr-3872	2	238	7(2	7(2	NUM
fsr-3872	2	239	):	):	PUNCT
fsr-3872	2	240	107–128	107–128	NUM
fsr-3872	2	241	“	"	PUNCT
fsr-3872	2	242	calculating	calculate	VERB
fsr-3872	2	243	a	a	DET
fsr-3872	2	244	family	family	NOUN
fsr-3872	2	245	’s	’s	PART
fsr-3872	2	246	asset	asset	NOUN
fsr-3872	2	247	mix	mix	NOUN
fsr-3872	2	248	,	,	PUNCT
fsr-3872	2	249	”	"	PUNCT
fsr-3872	2	250	william	william	PROPN
fsr-3872	2	251	reichenstein	reichenstein	PROPN
fsr-3872	2	252	,	,	PUNCT
fsr-3872	2	253	7(3	7(3	NUM
fsr-3872	2	254	):	):	PUNCT
fsr-3872	2	255	195–206	195–206	NUM
fsr-3872	2	256	“	"	PUNCT
fsr-3872	2	257	closed	closed	ADJ
fsr-3872	2	258	end	end	NOUN
fsr-3872	2	259	investment	investment	NOUN
fsr-3872	2	260	companies	company	NOUN
fsr-3872	2	261	:	:	PUNCT
fsr-3872	2	262	historic	historic	ADJ
fsr-3872	2	263	returns	return	NOUN
fsr-3872	2	264	and	and	CCONJ
fsr-3872	2	265	investment	investment	NOUN
fsr-3872	2	266	strategies	strategy	NOUN
fsr-3872	2	267	,	,	PUNCT
fsr-3872	2	268	”	"	PUNCT
fsr-3872	2	269	carolyn	carolyn	PROPN
fsr-3872	2	270	reichert	reichert	PROPN
fsr-3872	2	271	,	,	PUNCT
fsr-3872	2	272	j.	j.	PROPN
fsr-3872	2	273	douglas	douglas	PROPN
fsr-3872	2	274	timmons	timmons	PROPN
fsr-3872	2	275	,	,	PUNCT
fsr-3872	2	276	7(2	7(2	NUM
fsr-3872	2	277	):	):	PUNCT
fsr-3872	2	278	83–93	83–93	NUM
fsr-3872	2	279	“	"	PUNCT
fsr-3872	2	280	comment	comment	NOUN
fsr-3872	2	281	on	on	ADP
fsr-3872	2	282	kenneth	kenneth	PROPN
fsr-3872	2	283	s.	s.	PROPN
fsr-3872	2	284	bigel	bigel	PROPN
fsr-3872	2	285	’s	’s	PART
fsr-3872	2	286	paper	paper	NOUN
fsr-3872	2	287	,	,	PUNCT
fsr-3872	2	288	”	"	PUNCT
fsr-3872	2	289	robert	robert	PROPN
fsr-3872	2	290	p.	p.	PROPN
fsr-3872	2	291	goss	goss	PROPN
fsr-3872	2	292	,	,	PUNCT
fsr-3872	2	293	7(4	7(4	NUM
fsr-3872	2	294	):	):	PUNCT
fsr-3872	2	295	237–256	237–256	NUM
fsr-3872	2	296	“	"	PUNCT
fsr-3872	2	297	credit	credit	NOUN
fsr-3872	2	298	union	union	NOUN
fsr-3872	2	299	structure	structure	NOUN
fsr-3872	2	300	:	:	PUNCT
fsr-3872	2	301	an	an	DET
fsr-3872	2	302	examination	examination	NOUN
fsr-3872	2	303	of	of	ADP
fsr-3872	2	304	potential	potential	ADJ
fsr-3872	2	305	risks	risk	NOUN
fsr-3872	2	306	,	,	PUNCT
fsr-3872	2	307	”	"	PUNCT
fsr-3872	2	308	robert	robert	PROPN
fsr-3872	2	309	j.	j.	PROPN
fsr-3872	2	310	boldin	boldin	PROPN
fsr-3872	2	311	,	,	PUNCT
fsr-3872	2	312	keith	keith	PROPN
fsr-3872	2	313	leggett	leggett	PROPN
fsr-3872	2	314	,	,	PUNCT
fsr-3872	2	315	robert	robert	PROPN
fsr-3872	2	316	strand	strand	PROPN
fsr-3872	2	317	,	,	PUNCT
fsr-3872	2	318	7(3	7(3	NUM
fsr-3872	2	319	):	):	PUNCT
fsr-3872	2	320	207–215	207–215	NUM
fsr-3872	2	321	“	"	PUNCT
fsr-3872	2	322	do	do	AUX
fsr-3872	2	323	dividend	dividend	NOUN
fsr-3872	2	324	reinvestment	reinvestment	NOUN
fsr-3872	2	325	plans	plan	NOUN
fsr-3872	2	326	contribute	contribute	VERB
fsr-3872	2	327	to	to	ADP
fsr-3872	2	328	industrial	industrial	ADJ
fsr-3872	2	329	firm	firm	ADJ
fsr-3872	2	330	value	value	NOUN
fsr-3872	2	331	and	and	CCONJ
fsr-3872	2	332	efficiency	efficiency	NOUN
fsr-3872	2	333	?	?	PUNCT
fsr-3872	2	334	,	,	PUNCT
fsr-3872	2	335	”	"	PUNCT
fsr-3872	2	336	andy	andy	PROPN
fsr-3872	2	337	saporoschenko	saporoschenko	PROPN
fsr-3872	2	338	,	,	PUNCT
fsr-3872	2	339	7(4	7(4	NUM
fsr-3872	2	340	):	):	PUNCT
fsr-3872	2	341	273–289	273–289	NUM
fsr-3872	2	342	“	"	PUNCT
fsr-3872	2	343	explaining	explain	VERB
fsr-3872	2	344	persistence	persistence	NOUN
fsr-3872	2	345	in	in	ADP
fsr-3872	2	346	mutual	mutual	ADJ
fsr-3872	2	347	fund	fund	NOUN
fsr-3872	2	348	performance	performance	NOUN
fsr-3872	2	349	,	,	PUNCT
fsr-3872	2	350	”	"	PUNCT
fsr-3872	2	351	f.	f.	PROPN
fsr-3872	2	352	larry	larry	PROPN
fsr-3872	2	353	detzel	detzel	PROPN
fsr-3872	2	354	,	,	PUNCT
fsr-3872	2	355	robert	robert	PROPN
fsr-3872	2	356	a.	a.	PROPN
fsr-3872	2	357	weigand	weigand	PROPN
fsr-3872	2	358	,	,	PUNCT
fsr-3872	2	359	7(1	7(1	NUM
fsr-3872	2	360	):	):	PUNCT
fsr-3872	2	361	45–55	45–55	NUM
fsr-3872	2	362	“	"	PUNCT
fsr-3872	2	363	innovations	innovation	NOUN
fsr-3872	2	364	in	in	ADP
fsr-3872	2	365	savings	saving	NOUN
fsr-3872	2	366	schemes	scheme	NOUN
fsr-3872	2	367	:	:	PUNCT
fsr-3872	2	368	the	the	DET
fsr-3872	2	369	bonus	bonus	NOUN
fsr-3872	2	370	bonds	bond	NOUN
fsr-3872	2	371	trust	trust	NOUN
fsr-3872	2	372	in	in	ADP
fsr-3872	2	373	new	new	PROPN
fsr-3872	2	374	zealand	zealand	PROPN
fsr-3872	2	375	,	,	PUNCT
fsr-3872	2	376	”	"	PUNCT
fsr-3872	2	377	jenny	jenny	PROPN
fsr-3872	2	378	ridge	ridge	PROPN
fsr-3872	2	379	,	,	PUNCT
fsr-3872	2	380	martin	martin	PROPN
fsr-3872	2	381	young	young	PROPN
fsr-3872	2	382	,	,	PUNCT
fsr-3872	2	383	7(2	7(2	NUM
fsr-3872	2	384	):	):	PUNCT
fsr-3872	2	385	73–81	73–81	NUM
fsr-3872	2	386	324	324	NUM
fsr-3872	2	387	index	index	NOUN
fsr-3872	2	388	/	/	SYM
fsr-3872	2	389	financial	financial	ADJ
fsr-3872	2	390	services	service	NOUN
fsr-3872	2	391	review	review	VERB
fsr-3872	2	392	7	7	NUM
fsr-3872	2	393	(	(	PUNCT
fsr-3872	2	394	1998	1998	NUM
fsr-3872	2	395	)	)	PUNCT
fsr-3872	3	1	323–325	323–325	NUM
fsr-3872	3	2	“	"	PUNCT
fsr-3872	3	3	managing	manage	VERB
fsr-3872	3	4	college	college	NOUN
fsr-3872	3	5	tuition	tuition	NOUN
fsr-3872	3	6	inflation	inflation	NOUN
fsr-3872	3	7	using	use	VERB
fsr-3872	3	8	surplus	surplus	ADJ
fsr-3872	3	9	framework	framework	NOUN
fsr-3872	3	10	methodology	methodology	NOUN
fsr-3872	3	11	,	,	PUNCT
fsr-3872	3	12	”	"	PUNCT
fsr-3872	3	13	judson	judson	PROPN
fsr-3872	3	14	w.	w.	PROPN
fsr-3872	3	15	russell	russell	PROPN
fsr-3872	3	16	,	,	PUNCT
fsr-3872	3	17	robert	robert	PROPN
fsr-3872	3	18	brooks	brooks	PROPN
fsr-3872	3	19	,	,	PUNCT
fsr-3872	3	20	7(4	7(4	NUM
fsr-3872	3	21	):	):	PUNCT
fsr-3872	3	22	257–271	257–271	NUM
fsr-3872	3	23	“	"	PUNCT
fsr-3872	3	24	mean	mean	ADJ
fsr-3872	3	25	and	and	CCONJ
fsr-3872	3	26	pessimistic	pessimistic	ADJ
fsr-3872	3	27	projections	projection	NOUN
fsr-3872	3	28	of	of	ADP
fsr-3872	3	29	retirement	retirement	NOUN
fsr-3872	3	30	adequacy	adequacy	NOUN
fsr-3872	3	31	,	,	PUNCT
fsr-3872	3	32	”	"	PUNCT
fsr-3872	3	33	yoonkyung	yoonkyung	PROPN
fsr-3872	3	34	yuh	yuh	PROPN
fsr-3872	3	35	,	,	PUNCT
fsr-3872	3	36	sherman	sherman	PROPN
fsr-3872	3	37	hanna	hanna	PROPN
fsr-3872	3	38	,	,	PUNCT
fsr-3872	3	39	catherine	catherine	PROPN
fsr-3872	3	40	philips	philips	PROPN
fsr-3872	3	41	montalto	montalto	PROPN
fsr-3872	3	42	,	,	PUNCT
fsr-3872	3	43	7(3	7(3	NUM
fsr-3872	3	44	):	):	PUNCT
fsr-3872	3	45	175–193	175–193	NUM
fsr-3872	3	46	“	"	PUNCT
fsr-3872	3	47	mutual	mutual	ADJ
fsr-3872	3	48	fund	fund	NOUN
fsr-3872	3	49	shareholders	shareholder	NOUN
fsr-3872	3	50	:	:	PUNCT
fsr-3872	3	51	characteristics	characteristic	NOUN
fsr-3872	3	52	,	,	PUNCT
fsr-3872	3	53	investor	investor	NOUN
fsr-3872	3	54	knowledge	knowledge	NOUN
fsr-3872	3	55	,	,	PUNCT
fsr-3872	3	56	and	and	CCONJ
fsr-3872	3	57	sources	source	NOUN
fsr-3872	3	58	of	of	ADP
fsr-3872	3	59	information	information	NOUN
fsr-3872	3	60	,	,	PUNCT
fsr-3872	3	61	”	"	PUNCT
fsr-3872	3	62	gordon	gordon	PROPN
fsr-3872	3	63	j.	j.	PROPN
fsr-3872	3	64	alexander	alexander	PROPN
fsr-3872	3	65	,	,	PUNCT
fsr-3872	3	66	jonathan	jonathan	PROPN
fsr-3872	3	67	d.	d.	PROPN
fsr-3872	3	68	jones	jones	PROPN
fsr-3872	3	69	,	,	PUNCT
fsr-3872	3	70	peter	peter	PROPN
fsr-3872	3	71	j.	j.	PROPN
fsr-3872	3	72	nigro	nigro	PROPN
fsr-3872	3	73	,	,	PUNCT
fsr-3872	3	74	7(4	7(4	NUM
fsr-3872	3	75	):	):	PUNCT
fsr-3872	3	76	301–316	301–316	NUM
fsr-3872	3	77	“	"	PUNCT
fsr-3872	3	78	performance	performance	NOUN
fsr-3872	3	79	persistence	persistence	NOUN
fsr-3872	3	80	of	of	ADP
fsr-3872	3	81	experienced	experienced	ADJ
fsr-3872	3	82	mutual	mutual	ADJ
fsr-3872	3	83	fund	fund	NOUN
fsr-3872	3	84	managers	manager	NOUN
fsr-3872	3	85	,	,	PUNCT
fsr-3872	3	86	”	"	PUNCT
fsr-3872	3	87	gary	gary	PROPN
fsr-3872	3	88	e.	e.	PROPN
fsr-3872	3	89	porter	porter	PROPN
fsr-3872	3	90	,	,	PUNCT
fsr-3872	3	91	jack	jack	PROPN
fsr-3872	3	92	w.	w.	PROPN
fsr-3872	3	93	trifts	trifts	PROPN
fsr-3872	3	94	,	,	PUNCT
fsr-3872	3	95	7(1	7(1	NUM
fsr-3872	3	96	):	):	PUNCT
fsr-3872	3	97	57–68	57–68	NUM
fsr-3872	3	98	“	"	PUNCT
fsr-3872	3	99	planning	planning	NOUN
fsr-3872	3	100	to	to	PART
fsr-3872	3	101	move	move	VERB
fsr-3872	3	102	to	to	ADP
fsr-3872	3	103	retirement	retirement	NOUN
fsr-3872	3	104	housing	housing	NOUN
fsr-3872	3	105	,	,	PUNCT
fsr-3872	3	106	”	"	PUNCT
fsr-3872	3	107	karen	karen	PROPN
fsr-3872	3	108	m.	m.	NOUN
fsr-3872	3	109	gibler	gibler	NOUN
fsr-3872	3	110	,	,	PUNCT
fsr-3872	3	111	george	george	PROPN
fsr-3872	3	112	p.	p.	PROPN
fsr-3872	3	113	mochis	mochis	PROPN
fsr-3872	3	114	,	,	PUNCT
fsr-3872	3	115	euehun	euehun	PROPN
fsr-3872	3	116	lee	lee	PROPN
fsr-3872	3	117	,	,	PUNCT
fsr-3872	3	118	7(4	7(4	NUM
fsr-3872	3	119	):	):	PUNCT
fsr-3872	3	120	291	291	NUM
fsr-3872	3	121	–	–	PUNCT
fsr-3872	3	122	300	300	NUM
fsr-3872	3	123	“	"	PUNCT
fsr-3872	3	124	‘	'	PUNCT
fsr-3872	3	125	putting	put	VERB
fsr-3872	3	126	your	your	PRON
fsr-3872	3	127	money	money	NOUN
fsr-3872	3	128	where	where	SCONJ
fsr-3872	3	129	your	your	PRON
fsr-3872	3	130	mouth	mouth	NOUN
fsr-3872	3	131	is	be	AUX
fsr-3872	3	132	’	'	PUNCT
fsr-3872	3	133	a	a	DET
fsr-3872	3	134	profile	profile	NOUN
fsr-3872	3	135	of	of	ADP
fsr-3872	3	136	ethical	ethical	ADJ
fsr-3872	3	137	investors	investor	NOUN
fsr-3872	3	138	,	,	PUNCT
fsr-3872	3	139	”	"	PUNCT
fsr-3872	3	140	diana	diana	PROPN
fsr-3872	3	141	beal	beal	PROPN
fsr-3872	3	142	,	,	PUNCT
fsr-3872	3	143	michelle	michelle	PROPN
fsr-3872	3	144	goyen	goyen	PROPN
fsr-3872	3	145	,	,	PUNCT
fsr-3872	3	146	7(2	7(2	NUM
fsr-3872	3	147	):	):	PUNCT
fsr-3872	3	148	129–143	129–143	PROPN
fsr-3872	3	149	review	review	NOUN
fsr-3872	3	150	of	of	ADP
fsr-3872	3	151	“	"	PUNCT
fsr-3872	3	152	histories	history	NOUN
fsr-3872	3	153	of	of	ADP
fsr-3872	3	154	the	the	DET
fsr-3872	3	155	eighties	eighty	NOUN
fsr-3872	3	156	,	,	PUNCT
fsr-3872	3	157	lessons	lesson	NOUN
fsr-3872	3	158	for	for	ADP
fsr-3872	3	159	the	the	DET
fsr-3872	3	160	future	future	NOUN
fsr-3872	3	161	,	,	PUNCT
fsr-3872	3	162	vol	vol	NOUN
fsr-3872	3	163	.	.	PROPN
fsr-3872	4	1	1	1	NUM
fsr-3872	4	2	.	.	NUM
fsr-3872	4	3	,	,	PUNCT
fsr-3872	4	4	american	american	ADJ
fsr-3872	4	5	finance	finance	NOUN
fsr-3872	4	6	for	for	ADP
fsr-3872	4	7	the	the	DET
fsr-3872	4	8	twentyfirst	twentyfirst	ADJ
fsr-3872	4	9	century	century	NOUN
fsr-3872	4	10	,	,	PUNCT
fsr-3872	4	11	and	and	CCONJ
fsr-3872	4	12	asset	asset	NOUN
fsr-3872	4	13	securitization	securitization	NOUN
fsr-3872	4	14	—	—	PUNCT
fsr-3872	4	15	liquidity	liquidity	NOUN
fsr-3872	4	16	and	and	CCONJ
fsr-3872	4	17	funds	fund	NOUN
fsr-3872	4	18	management	management	NOUN
fsr-3872	4	19	,	,	PUNCT
fsr-3872	4	20	controller	controller	NOUN
fsr-3872	4	21	’s	’s	PART
fsr-3872	4	22	handbook	handbook	NOUN
fsr-3872	4	23	,	,	PUNCT
fsr-3872	4	24	”	"	PUNCT
fsr-3872	4	25	austin	austin	PROPN
fsr-3872	4	26	h.	h.	PROPN
fsr-3872	4	27	spencer	spencer	PROPN
fsr-3872	4	28	,	,	PUNCT
fsr-3872	4	29	7(4	7(4	NUM
fsr-3872	4	30	):	):	PUNCT
fsr-3872	4	31	317–319	317–319	NUM
fsr-3872	4	32	review	review	NOUN
fsr-3872	4	33	of	of	ADP
fsr-3872	4	34	“	"	PUNCT
fsr-3872	4	35	money	money	NOUN
fsr-3872	4	36	logic	logic	NOUN
fsr-3872	4	37	:	:	PUNCT
fsr-3872	4	38	financial	financial	ADJ
fsr-3872	4	39	strategies	strategy	NOUN
fsr-3872	4	40	for	for	ADP
fsr-3872	4	41	the	the	DET
fsr-3872	4	42	smart	smart	ADJ
fsr-3872	4	43	investor	investor	NOUN
fsr-3872	4	44	,	,	PUNCT
fsr-3872	4	45	”	"	PUNCT
fsr-3872	4	46	douglas	douglas	PROPN
fsr-3872	4	47	r.	r.	PROPN
fsr-3872	4	48	kahl	kahl	PROPN
fsr-3872	4	49	,	,	PUNCT
fsr-3872	4	50	7(3	7(3	NUM
fsr-3872	4	51	):	):	PUNCT
fsr-3872	4	52	217	217	NUM
fsr-3872	4	53	review	review	NOUN
fsr-3872	4	54	of	of	ADP
fsr-3872	4	55	“	"	PUNCT
fsr-3872	4	56	personal	personal	ADJ
fsr-3872	4	57	financial	financial	ADJ
fsr-3872	4	58	planning	planning	NOUN
fsr-3872	4	59	,	,	PUNCT
fsr-3872	4	60	”	"	PUNCT
fsr-3872	4	61	douglas	douglas	PROPN
fsr-3872	4	62	r.	r.	PROPN
fsr-3872	4	63	kahl	kahl	PROPN
fsr-3872	4	64	,	,	PUNCT
fsr-3872	4	65	7(1	7(1	NUM
fsr-3872	4	66	):	):	PUNCT
fsr-3872	4	67	69–70	69–70	NUM
fsr-3872	4	68	review	review	NOUN
fsr-3872	4	69	of	of	ADP
fsr-3872	4	70	“	"	PUNCT
fsr-3872	4	71	the	the	DET
fsr-3872	4	72	wall	wall	PROPN
fsr-3872	4	73	street	street	PROPN
fsr-3872	4	74	journal	journal	PROPN
fsr-3872	4	75	interactive	interactive	PROPN
fsr-3872	4	76	edition	edition	PROPN
fsr-3872	4	77	internet	internet	NOUN
fsr-3872	4	78	site	site	NOUN
fsr-3872	4	79	,	,	PUNCT
fsr-3872	4	80	”	"	PUNCT
fsr-3872	4	81	richard	richard	PROPN
fsr-3872	4	82	f.	f.	PROPN
fsr-3872	4	83	bieker	bieker	PROPN
fsr-3872	4	84	,	,	PUNCT
fsr-3872	4	85	7(3	7(3	NUM
fsr-3872	4	86	):	):	PUNCT
fsr-3872	4	87	218	218	NUM
fsr-3872	4	88	–	–	PUNCT
fsr-3872	4	89	221	221	NUM
fsr-3872	4	90	“	"	PUNCT
fsr-3872	4	91	shareholder	shareholder	NOUN
fsr-3872	4	92	wealth	wealth	NOUN
fsr-3872	4	93	effects	effect	NOUN
fsr-3872	4	94	of	of	ADP
fsr-3872	4	95	calpers	calpers	PROPN
fsr-3872	4	96	’	'	PUNCT
fsr-3872	4	97	activism	activism	NOUN
fsr-3872	4	98	,	,	PUNCT
fsr-3872	4	99	”	"	PUNCT
fsr-3872	4	100	claire	claire	PROPN
fsr-3872	4	101	e.	e.	PROPN
fsr-3872	4	102	crutchley	crutchley	PROPN
fsr-3872	4	103	,	,	PUNCT
fsr-3872	4	104	carl	carl	PROPN
fsr-3872	4	105	d.	d.	PROPN
fsr-3872	4	106	hudson	hudson	PROPN
fsr-3872	4	107	,	,	PUNCT
fsr-3872	4	108	marlin	marlin	PROPN
fsr-3872	4	109	r.	r.	PROPN
fsr-3872	4	110	h.	h.	PROPN
fsr-3872	4	111	jensen	jensen	PROPN
fsr-3872	4	112	,	,	PUNCT
fsr-3872	4	113	7(1	7(1	NUM
fsr-3872	4	114	):	):	PUNCT
fsr-3872	4	115	1–10	1–10	NOUN
fsr-3872	4	116	“	"	PUNCT
fsr-3872	4	117	term	term	NOUN
fsr-3872	4	118	spreads	spread	NOUN
fsr-3872	4	119	and	and	CCONJ
fsr-3872	4	120	predictions	prediction	NOUN
fsr-3872	4	121	of	of	ADP
fsr-3872	4	122	bond	bond	NOUN
fsr-3872	4	123	and	and	CCONJ
fsr-3872	4	124	stock	stock	NOUN
fsr-3872	4	125	excess	excess	ADJ
fsr-3872	4	126	returns	return	NOUN
fsr-3872	4	127	,	,	PUNCT
fsr-3872	4	128	”	"	PUNCT
fsr-3872	4	129	dale	dale	PROPN
fsr-3872	4	130	l.	l.	PROPN
fsr-3872	4	131	domian	domian	PROPN
fsr-3872	4	132	,	,	PUNCT
fsr-3872	4	133	william	william	PROPN
fsr-3872	4	134	reichenstein	reichenstein	PROPN
fsr-3872	4	135	,	,	PUNCT
fsr-3872	4	136	7(1	7(1	NUM
fsr-3872	4	137	):	):	PUNCT
fsr-3872	4	138	25–44	25–44	NUM
fsr-3872	4	139	“	"	PUNCT
fsr-3872	4	140	the	the	DET
fsr-3872	4	141	correlations	correlation	NOUN
fsr-3872	4	142	of	of	ADP
fsr-3872	4	143	professionalization	professionalization	NOUN
fsr-3872	4	144	and	and	CCONJ
fsr-3872	4	145	compensation	compensation	NOUN
fsr-3872	4	146	sources	source	NOUN
fsr-3872	4	147	with	with	ADP
fsr-3872	4	148	the	the	DET
fsr-3872	4	149	ethical	ethical	ADJ
fsr-3872	4	150	development	development	NOUN
fsr-3872	4	151	of	of	ADP
fsr-3872	4	152	personal	personal	ADJ
fsr-3872	4	153	investment	investment	NOUN
fsr-3872	4	154	planners	planner	NOUN
fsr-3872	4	155	,	,	PUNCT
fsr-3872	4	156	”	"	PUNCT
fsr-3872	4	157	kenneth	kenneth	PROPN
fsr-3872	4	158	s.	s.	PROPN
fsr-3872	4	159	bigel	bigel	PROPN
fsr-3872	4	160	,	,	PUNCT
fsr-3872	4	161	7(4	7(4	NUM
fsr-3872	4	162	):	):	PUNCT
fsr-3872	4	163	223–236	223–236	NUM
fsr-3872	4	164	“	"	PUNCT
fsr-3872	4	165	the	the	DET
fsr-3872	4	166	international	international	ADJ
fsr-3872	4	167	diversification	diversification	NOUN
fsr-3872	4	168	fallacy	fallacy	NOUN
fsr-3872	4	169	of	of	ADP
fsr-3872	4	170	exchange	exchange	NOUN
fsr-3872	4	171	-	-	PUNCT
fsr-3872	4	172	listed	list	VERB
fsr-3872	4	173	securities	security	NOUN
fsr-3872	4	174	,	,	PUNCT
fsr-3872	4	175	”	"	PUNCT
fsr-3872	4	176	judson	judson	PROPN
fsr-3872	4	177	w.	w.	PROPN
fsr-3872	4	178	russell	russell	PROPN
fsr-3872	4	179	,	,	PUNCT
fsr-3872	4	180	7(2	7(2	NUM
fsr-3872	4	181	):	):	PUNCT
fsr-3872	4	182	95–106	95–106	NUM
fsr-3872	4	183	“	"	PUNCT
fsr-3872	4	184	the	the	DET
fsr-3872	4	185	rise	rise	NOUN
fsr-3872	4	186	and	and	CCONJ
fsr-3872	4	187	fall	fall	NOUN
fsr-3872	4	188	of	of	ADP
fsr-3872	4	189	the	the	DET
fsr-3872	4	190	‘	'	PUNCT
fsr-3872	4	191	dogs	dog	NOUN
fsr-3872	4	192	of	of	ADP
fsr-3872	4	193	the	the	DET
fsr-3872	4	194	dow	dow	NOUN
fsr-3872	4	195	’	'	PUNCT
fsr-3872	4	196	,	,	PUNCT
fsr-3872	4	197	”	"	PUNCT
fsr-3872	4	198	dale	dale	PROPN
fsr-3872	4	199	l.	l.	PROPN
fsr-3872	4	200	domian	domian	PROPN
fsr-3872	4	201	,	,	PUNCT
fsr-3872	4	202	david	david	PROPN
fsr-3872	4	203	a.	a.	PROPN
fsr-3872	4	204	louton	louton	PROPN
fsr-3872	4	205	,	,	PUNCT
fsr-3872	4	206	charles	charles	PROPN
fsr-3872	4	207	e.	e.	PROPN
fsr-3872	4	208	mossman	mossman	PROPN
fsr-3872	4	209	,	,	PUNCT
fsr-3872	4	210	7(3	7(3	NUM
fsr-3872	4	211	):	):	PUNCT
fsr-3872	4	212	145–159	145–159	NUM
fsr-3872	4	213	“	"	PUNCT
fsr-3872	4	214	the	the	DET
fsr-3872	4	215	sociology	sociology	NOUN
fsr-3872	4	216	of	of	ADP
fsr-3872	4	217	personal	personal	ADJ
fsr-3872	4	218	finance	finance	NOUN
fsr-3872	4	219	,	,	PUNCT
fsr-3872	4	220	”	"	PUNCT
fsr-3872	4	221	chris	chris	PROPN
fsr-3872	4	222	robinson	robinson	PROPN
fsr-3872	4	223	,	,	PUNCT
fsr-3872	4	224	elton	elton	PROPN
fsr-3872	4	225	g.	g.	PROPN
fsr-3872	4	226	mcgoun	mcgoun	PROPN
fsr-3872	4	227	,	,	PUNCT
fsr-3872	4	228	7(3	7(3	NUM
fsr-3872	4	229	):	):	PUNCT
fsr-3872	4	230	161–173	161–173	NUM
fsr-3872	4	231	325index	325index	PROPN
fsr-3872	4	232	/	/	SYM
fsr-3872	4	233	financial	financial	ADJ
fsr-3872	4	234	services	service	NOUN
fsr-3872	4	235	review	review	VERB
fsr-3872	4	236	7	7	NUM
fsr-3872	4	237	(	(	PUNCT
fsr-3872	4	238	1998	1998	NUM
fsr-3872	4	239	)	)	PUNCT
fsr-3872	5	1	323–325	323–325	NUM