id	sid	tid	token	lemma	pos
fsr-3881	1	1	pii	pii	PROPN
fsr-3881	1	2	:	:	PUNCT
fsr-3881	1	3	s1057	s1057	NOUN
fsr-3881	1	4	-	-	PUNCT
fsr-3881	1	5	0810(99)00034	0810(99)00034	NOUN
fsr-3881	1	6	-	-	PUNCT
fsr-3881	1	7	7	7	NUM
fsr-3881	1	8	from	from	ADP
fsr-3881	1	9	the	the	DET
fsr-3881	1	10	editor	editor	NOUN
fsr-3881	1	11	karen	karen	PROPN
fsr-3881	1	12	eilers	eiler	VERB
fsr-3881	1	13	lahey	lahey	PROPN
fsr-3881	1	14	this	this	DET
fsr-3881	1	15	issue	issue	NOUN
fsr-3881	1	16	of	of	ADP
fsr-3881	1	17	volume	volume	NOUN
fsr-3881	1	18	8	8	NUM
fsr-3881	1	19	has	have	VERB
fsr-3881	1	20	three	three	NUM
fsr-3881	1	21	articles	article	NOUN
fsr-3881	1	22	that	that	PRON
fsr-3881	1	23	examine	examine	VERB
fsr-3881	1	24	various	various	ADJ
fsr-3881	1	25	aspects	aspect	NOUN
fsr-3881	1	26	of	of	ADP
fsr-3881	1	27	individual	individual	ADJ
fsr-3881	1	28	portfolio	portfolio	NOUN
fsr-3881	1	29	decisions	decision	NOUN
fsr-3881	1	30	.	.	PUNCT
fsr-3881	2	1	a	a	DET
fsr-3881	2	2	fourth	fourth	ADJ
fsr-3881	2	3	article	article	NOUN
fsr-3881	2	4	offers	offer	VERB
fsr-3881	2	5	an	an	DET
fsr-3881	2	6	unusual	unusual	ADJ
fsr-3881	2	7	alternative	alternative	NOUN
fsr-3881	2	8	to	to	ADP
fsr-3881	2	9	shielding	shield	VERB
fsr-3881	2	10	potential	potential	ADJ
fsr-3881	2	11	homeowners	homeowner	NOUN
fsr-3881	2	12	from	from	ADP
fsr-3881	2	13	interest	interest	NOUN
fsr-3881	2	14	rate	rate	NOUN
fsr-3881	2	15	risk	risk	NOUN
fsr-3881	2	16	and	and	CCONJ
fsr-3881	2	17	the	the	DET
fsr-3881	2	18	fifth	fifth	ADJ
fsr-3881	2	19	tests	test	VERB
fsr-3881	2	20	the	the	DET
fsr-3881	2	21	impact	impact	NOUN
fsr-3881	2	22	of	of	ADP
fsr-3881	2	23	planning	planning	NOUN
fsr-3881	2	24	on	on	ADP
fsr-3881	2	25	the	the	DET
fsr-3881	2	26	individual	individual	NOUN
fsr-3881	2	27	’s	’s	PART
fsr-3881	2	28	satisfaction	satisfaction	NOUN
fsr-3881	2	29	with	with	ADP
fsr-3881	2	30	retirement	retirement	NOUN
fsr-3881	2	31	.	.	PUNCT
fsr-3881	3	1	the	the	DET
fsr-3881	3	2	steven	steven	PROPN
fsr-3881	3	3	c.	c.	PROPN
fsr-3881	3	4	gold	gold	PROPN
fsr-3881	3	5	and	and	CCONJ
fsr-3881	3	6	paul	paul	PROPN
fsr-3881	3	7	lebowitz	lebowitz	PROPN
fsr-3881	3	8	article	article	NOUN
fsr-3881	3	9	entitled	entitle	VERB
fsr-3881	3	10	,	,	PUNCT
fsr-3881	3	11	“	"	PUNCT
fsr-3881	3	12	computerized	computerized	ADJ
fsr-3881	3	13	stock	stock	NOUN
fsr-3881	3	14	screening	screen	VERB
fsr-3881	3	15	rules	rule	NOUN
fsr-3881	3	16	for	for	ADP
fsr-3881	3	17	portfolio	portfolio	NOUN
fsr-3881	3	18	selection	selection	NOUN
fsr-3881	3	19	,	,	PUNCT
fsr-3881	3	20	”	"	PUNCT
fsr-3881	3	21	uses	use	VERB
fsr-3881	3	22	a	a	DET
fsr-3881	3	23	commercial	commercial	ADJ
fsr-3881	3	24	program	program	NOUN
fsr-3881	3	25	that	that	PRON
fsr-3881	3	26	screens	screen	VERB
fsr-3881	3	27	stocks	stock	NOUN
fsr-3881	3	28	to	to	PART
fsr-3881	3	29	determine	determine	VERB
fsr-3881	3	30	if	if	SCONJ
fsr-3881	3	31	portfolios	portfolio	NOUN
fsr-3881	3	32	can	can	AUX
fsr-3881	3	33	be	be	AUX
fsr-3881	3	34	constructed	construct	VERB
fsr-3881	3	35	that	that	PRON
fsr-3881	3	36	earn	earn	VERB
fsr-3881	3	37	excess	excess	ADJ
fsr-3881	3	38	returns	return	NOUN
fsr-3881	3	39	.	.	PUNCT
fsr-3881	4	1	the	the	DET
fsr-3881	4	2	overwhelming	overwhelming	ADJ
fsr-3881	4	3	amount	amount	NOUN
fsr-3881	4	4	of	of	ADP
fsr-3881	4	5	information	information	NOUN
fsr-3881	4	6	available	available	ADJ
fsr-3881	4	7	on	on	ADP
fsr-3881	4	8	the	the	DET
fsr-3881	4	9	internet	internet	NOUN
fsr-3881	4	10	suggests	suggest	VERB
fsr-3881	4	11	the	the	DET
fsr-3881	4	12	need	need	NOUN
fsr-3881	4	13	for	for	ADP
fsr-3881	4	14	this	this	DET
fsr-3881	4	15	article	article	NOUN
fsr-3881	4	16	and	and	CCONJ
fsr-3881	4	17	future	future	ADJ
fsr-3881	4	18	ones	one	NOUN
fsr-3881	4	19	that	that	PRON
fsr-3881	4	20	test	test	VERB
fsr-3881	4	21	the	the	DET
fsr-3881	4	22	information	information	NOUN
fsr-3881	4	23	sources	source	NOUN
fsr-3881	4	24	that	that	PRON
fsr-3881	4	25	are	be	AUX
fsr-3881	4	26	being	be	AUX
fsr-3881	4	27	accessed	access	VERB
fsr-3881	4	28	by	by	ADP
fsr-3881	4	29	individuals	individual	NOUN
fsr-3881	4	30	.	.	PUNCT
fsr-3881	5	1	“	"	PUNCT
fsr-3881	5	2	municipal	municipal	ADJ
fsr-3881	5	3	bonds	bond	NOUN
fsr-3881	5	4	:	:	PUNCT
fsr-3881	5	5	a	a	DET
fsr-3881	5	6	contingent	contingent	NOUN
fsr-3881	5	7	claims	claim	VERB
fsr-3881	5	8	perspective	perspective	NOUN
fsr-3881	5	9	,	,	PUNCT
fsr-3881	5	10	”	"	PUNCT
fsr-3881	5	11	by	by	ADP
fsr-3881	5	12	robert	robert	PROPN
fsr-3881	5	13	brooks	brooks	PROPN
fsr-3881	5	14	,	,	PUNCT
fsr-3881	5	15	provides	provide	VERB
fsr-3881	5	16	an	an	DET
fsr-3881	5	17	overview	overview	NOUN
fsr-3881	5	18	of	of	ADP
fsr-3881	5	19	a	a	DET
fsr-3881	5	20	market	market	NOUN
fsr-3881	5	21	that	that	PRON
fsr-3881	5	22	has	have	AUX
fsr-3881	5	23	received	receive	VERB
fsr-3881	5	24	remarkably	remarkably	ADV
fsr-3881	5	25	little	little	ADJ
fsr-3881	5	26	academic	academic	ADJ
fsr-3881	5	27	attention	attention	NOUN
fsr-3881	5	28	.	.	PUNCT
fsr-3881	6	1	he	he	PRON
fsr-3881	6	2	provides	provide	VERB
fsr-3881	6	3	a	a	DET
fsr-3881	6	4	tutorial	tutorial	NOUN
fsr-3881	6	5	on	on	ADP
fsr-3881	6	6	the	the	DET
fsr-3881	6	7	embedded	embed	VERB
fsr-3881	6	8	contingent	contingent	NOUN
fsr-3881	6	9	claims	claim	NOUN
fsr-3881	6	10	on	on	ADP
fsr-3881	6	11	these	these	DET
fsr-3881	6	12	types	type	NOUN
fsr-3881	6	13	of	of	ADP
fsr-3881	6	14	bonds	bond	NOUN
fsr-3881	6	15	and	and	CCONJ
fsr-3881	6	16	cautions	caution	VERB
fsr-3881	6	17	investors	investor	NOUN
fsr-3881	6	18	on	on	ADP
fsr-3881	6	19	factors	factor	NOUN
fsr-3881	6	20	to	to	PART
fsr-3881	6	21	consider	consider	VERB
fsr-3881	6	22	in	in	ADP
fsr-3881	6	23	including	include	VERB
fsr-3881	6	24	this	this	DET
fsr-3881	6	25	type	type	NOUN
fsr-3881	6	26	of	of	ADP
fsr-3881	6	27	asset	asset	NOUN
fsr-3881	6	28	in	in	ADP
fsr-3881	6	29	their	their	PRON
fsr-3881	6	30	portfolio	portfolio	NOUN
fsr-3881	6	31	.	.	PUNCT
fsr-3881	7	1	the	the	DET
fsr-3881	7	2	third	third	ADJ
fsr-3881	7	3	article	article	NOUN
fsr-3881	7	4	by	by	ADP
fsr-3881	7	5	john	john	PROPN
fsr-3881	7	6	macdonald	macdonald	PROPN
fsr-3881	7	7	and	and	CCONJ
fsr-3881	7	8	david	david	PROPN
fsr-3881	7	9	m.	m.	PROPN
fsr-3881	7	10	smith	smith	PROPN
fsr-3881	7	11	,	,	PUNCT
fsr-3881	7	12	entitled	entitle	VERB
fsr-3881	7	13	“	"	PUNCT
fsr-3881	7	14	investor	investor	NOUN
fsr-3881	7	15	partitioning	partitioning	NOUN
fsr-3881	7	16	of	of	ADP
fsr-3881	7	17	the	the	DET
fsr-3881	7	18	components	component	NOUN
fsr-3881	7	19	of	of	ADP
fsr-3881	7	20	value	value	NOUN
fsr-3881	7	21	in	in	ADP
fsr-3881	7	22	corporate	corporate	ADJ
fsr-3881	7	23	earnings	earning	NOUN
fsr-3881	7	24	announcements	announcement	NOUN
fsr-3881	7	25	”	"	PUNCT
fsr-3881	7	26	uses	use	VERB
fsr-3881	7	27	a	a	DET
fsr-3881	7	28	unique	unique	ADJ
fsr-3881	7	29	data	data	NOUN
fsr-3881	7	30	base	base	NOUN
fsr-3881	7	31	to	to	PART
fsr-3881	7	32	test	test	VERB
fsr-3881	7	33	the	the	DET
fsr-3881	7	34	dividend	dividend	NOUN
fsr-3881	7	35	-	-	PUNCT
fsr-3881	7	36	related	relate	VERB
fsr-3881	7	37	and	and	CCONJ
fsr-3881	7	38	capital	capital	NOUN
fsr-3881	7	39	gains	gain	NOUN
fsr-3881	7	40	-	-	PUNCT
fsr-3881	7	41	based	base	VERB
fsr-3881	7	42	returns	return	NOUN
fsr-3881	7	43	for	for	ADP
fsr-3881	7	44	large	large	ADJ
fsr-3881	7	45	corporate	corporate	ADJ
fsr-3881	7	46	stocks	stock	NOUN
fsr-3881	7	47	based	base	VERB
fsr-3881	7	48	on	on	ADP
fsr-3881	7	49	newly	newly	ADV
fsr-3881	7	50	available	available	ADJ
fsr-3881	7	51	earnings	earning	NOUN
fsr-3881	7	52	information	information	NOUN
fsr-3881	7	53	.	.	PUNCT
fsr-3881	8	1	their	their	PRON
fsr-3881	8	2	results	result	NOUN
fsr-3881	8	3	suggest	suggest	VERB
fsr-3881	8	4	that	that	SCONJ
fsr-3881	8	5	the	the	DET
fsr-3881	8	6	majority	majority	NOUN
fsr-3881	8	7	of	of	ADP
fsr-3881	8	8	the	the	DET
fsr-3881	8	9	value	value	NOUN
fsr-3881	8	10	gained	gain	VERB
fsr-3881	8	11	from	from	ADP
fsr-3881	8	12	positive	positive	ADJ
fsr-3881	8	13	announcements	announcement	NOUN
fsr-3881	8	14	is	be	AUX
fsr-3881	8	15	reflected	reflect	VERB
fsr-3881	8	16	in	in	ADP
fsr-3881	8	17	capital	capital	NOUN
fsr-3881	8	18	gains	gain	NOUN
fsr-3881	8	19	rather	rather	ADV
fsr-3881	8	20	than	than	ADP
fsr-3881	8	21	dividends	dividend	NOUN
fsr-3881	8	22	.	.	PUNCT
fsr-3881	9	1	in	in	ADP
fsr-3881	9	2	addition	addition	NOUN
fsr-3881	9	3	to	to	ADP
fsr-3881	9	4	all	all	PRON
fsr-3881	9	5	of	of	ADP
fsr-3881	9	6	the	the	DET
fsr-3881	9	7	normal	normal	ADJ
fsr-3881	9	8	risks	risk	NOUN
fsr-3881	9	9	of	of	ADP
fsr-3881	9	10	purchasing	purchase	VERB
fsr-3881	9	11	a	a	DET
fsr-3881	9	12	home	home	NOUN
fsr-3881	9	13	,	,	PUNCT
fsr-3881	9	14	individuals	individual	NOUN
fsr-3881	9	15	must	must	AUX
fsr-3881	9	16	also	also	ADV
fsr-3881	9	17	deal	deal	VERB
fsr-3881	9	18	with	with	ADP
fsr-3881	9	19	potential	potential	ADJ
fsr-3881	9	20	changes	change	NOUN
fsr-3881	9	21	in	in	ADP
fsr-3881	9	22	interest	interest	NOUN
fsr-3881	9	23	rates	rate	NOUN
fsr-3881	9	24	for	for	ADP
fsr-3881	9	25	permanent	permanent	ADJ
fsr-3881	9	26	mortgages	mortgage	NOUN
fsr-3881	9	27	.	.	PUNCT
fsr-3881	10	1	terry	terry	PROPN
fsr-3881	10	2	l.	l.	PROPN
fsr-3881	10	3	zivney	zivney	PROPN
fsr-3881	10	4	and	and	CCONJ
fsr-3881	10	5	carl	carl	PROPN
fsr-3881	10	6	f.	f.	PROPN
fsr-3881	10	7	luft	luft	PROPN
fsr-3881	10	8	provide	provide	VERB
fsr-3881	10	9	a	a	DET
fsr-3881	10	10	simulation	simulation	NOUN
fsr-3881	10	11	for	for	ADP
fsr-3881	10	12	hedging	hedge	VERB
fsr-3881	10	13	this	this	DET
fsr-3881	10	14	risk	risk	NOUN
fsr-3881	10	15	in	in	ADP
fsr-3881	10	16	their	their	PRON
fsr-3881	10	17	article	article	NOUN
fsr-3881	10	18	entitled	entitle	VERB
fsr-3881	10	19	,	,	PUNCT
fsr-3881	10	20	“	"	PUNCT
fsr-3881	10	21	hedging	hedge	VERB
fsr-3881	10	22	individual	individual	ADJ
fsr-3881	10	23	mortgage	mortgage	NOUN
fsr-3881	10	24	risk	risk	NOUN
fsr-3881	10	25	.	.	PUNCT
fsr-3881	10	26	”	"	PUNCT
fsr-3881	11	1	harold	harold	PROPN
fsr-3881	11	2	w.	w.	PROPN
fsr-3881	11	3	elder	elder	PROPN
fsr-3881	11	4	and	and	CCONJ
fsr-3881	11	5	patricia	patricia	PROPN
fsr-3881	11	6	m.	m.	NOUN
fsr-3881	11	7	rudolph	rudolph	PROPN
fsr-3881	11	8	in	in	ADP
fsr-3881	11	9	an	an	DET
fsr-3881	11	10	article	article	NOUN
fsr-3881	11	11	entitled	entitle	VERB
fsr-3881	11	12	,	,	PUNCT
fsr-3881	11	13	“	"	PUNCT
fsr-3881	11	14	does	do	AUX
fsr-3881	11	15	retirement	retirement	NOUN
fsr-3881	11	16	planning	planning	NOUN
fsr-3881	11	17	affect	affect	VERB
fsr-3881	11	18	the	the	DET
fsr-3881	11	19	level	level	NOUN
fsr-3881	11	20	of	of	ADP
fsr-3881	11	21	retirement	retirement	NOUN
fsr-3881	11	22	satisfaction	satisfaction	NOUN
fsr-3881	11	23	”	"	PUNCT
fsr-3881	11	24	present	present	VERB
fsr-3881	11	25	a	a	DET
fsr-3881	11	26	data	data	NOUN
fsr-3881	11	27	base	base	NOUN
fsr-3881	11	28	that	that	PRON
fsr-3881	11	29	should	should	AUX
fsr-3881	11	30	be	be	AUX
fsr-3881	11	31	of	of	ADP
fsr-3881	11	32	interest	interest	NOUN
fsr-3881	11	33	to	to	ADP
fsr-3881	11	34	those	those	PRON
fsr-3881	11	35	researching	research	VERB
fsr-3881	11	36	retirement	retirement	NOUN
fsr-3881	11	37	issues	issue	NOUN
fsr-3881	11	38	.	.	PUNCT
fsr-3881	12	1	the	the	DET
fsr-3881	12	2	authors	author	NOUN
fsr-3881	12	3	provide	provide	VERB
fsr-3881	12	4	a	a	DET
fsr-3881	12	5	review	review	NOUN
fsr-3881	12	6	of	of	ADP
fsr-3881	12	7	the	the	DET
fsr-3881	12	8	literature	literature	NOUN
fsr-3881	12	9	in	in	ADP
fsr-3881	12	10	this	this	DET
fsr-3881	12	11	area	area	NOUN
fsr-3881	12	12	from	from	ADP
fsr-3881	12	13	several	several	ADJ
fsr-3881	12	14	disciplines	discipline	NOUN
fsr-3881	12	15	and	and	CCONJ
fsr-3881	12	16	rigorously	rigorously	ADV
fsr-3881	12	17	examine	examine	VERB
fsr-3881	12	18	the	the	DET
fsr-3881	12	19	impact	impact	NOUN
fsr-3881	12	20	of	of	ADP
fsr-3881	12	21	thinking	think	VERB
fsr-3881	12	22	about	about	ADP
fsr-3881	12	23	and	and	CCONJ
fsr-3881	12	24	attending	attend	VERB
fsr-3881	12	25	planning	planning	NOUN
fsr-3881	12	26	sessions	session	NOUN
fsr-3881	12	27	on	on	ADP
fsr-3881	12	28	individual	individual	PROPN
fsr-3881	12	29	’s	’s	PART
fsr-3881	12	30	satisfaction	satisfaction	NOUN
fsr-3881	12	31	with	with	ADP
fsr-3881	12	32	retirement	retirement	NOUN
fsr-3881	12	33	.	.	PUNCT
fsr-3881	13	1	financial	financial	ADJ
fsr-3881	13	2	services	service	NOUN
fsr-3881	13	3	review	review	VERB
fsr-3881	13	4	8	8	NUM
fsr-3881	13	5	(	(	PUNCT
fsr-3881	13	6	1999	1999	NUM
fsr-3881	13	7	)	)	PUNCT
fsr-3881	13	8	v	v	ADP
fsr-3881	13	9	1057	1057	NUM
fsr-3881	13	10	-	-	SYM
fsr-3881	13	11	0810/99/$	0810/99/$	NUM
fsr-3881	13	12	–	–	PUNCT
fsr-3881	13	13	see	see	VERB
fsr-3881	13	14	front	front	ADJ
fsr-3881	13	15	matter	matter	NOUN
fsr-3881	14	1	©	©	PROPN
fsr-3881	14	2	1999	1999	NUM
fsr-3881	14	3	elsevier	elsevier	PROPN
fsr-3881	14	4	science	science	PROPN
fsr-3881	14	5	inc	inc	PROPN
fsr-3881	14	6	.	.	PUNCT
fsr-3881	15	1	all	all	DET
fsr-3881	15	2	rights	right	NOUN
fsr-3881	15	3	reserved	reserve	VERB
fsr-3881	15	4	.	.	PUNCT
fsr-3881	16	1	pii	pii	NOUN
fsr-3881	16	2	:	:	PUNCT
fsr-3881	16	3	s1057	s1057	NOUN
fsr-3881	16	4	-	-	PUNCT
fsr-3881	16	5	0810(99)00034	0810(99)00034	NOUN
fsr-3881	16	6	-	-	PUNCT
fsr-3881	16	7	7	7	NUM