id	sid	tid	token	lemma	pos
fsr-3888	1	1	pii	pii	PROPN
fsr-3888	1	2	:	:	PUNCT
fsr-3888	1	3	s1057	s1057	NOUN
fsr-3888	1	4	-	-	PUNCT
fsr-3888	1	5	0810(99)00039	0810(99)00039	NUM
fsr-3888	1	6	-	-	PUNCT
fsr-3888	1	7	6	6	NUM
fsr-3888	1	8	an	an	DET
fsr-3888	1	9	empirical	empirical	ADJ
fsr-3888	1	10	analysis	analysis	NOUN
fsr-3888	1	11	of	of	ADP
fsr-3888	1	12	differences	difference	NOUN
fsr-3888	1	13	in	in	ADP
fsr-3888	1	14	black	black	ADJ
fsr-3888	1	15	and	and	CCONJ
fsr-3888	1	16	white	white	ADJ
fsr-3888	1	17	asset	asset	NOUN
fsr-3888	1	18	and	and	CCONJ
fsr-3888	1	19	liability	liability	NOUN
fsr-3888	1	20	combinations	combination	NOUN
fsr-3888	1	21	<	<	X
fsr-3888	1	22	yaw	yaw	PROPN
fsr-3888	1	23	a.	a.	PROPN
fsr-3888	1	24	badua	badua	PROPN
fsr-3888	1	25	,	,	PUNCT
fsr-3888	1	26	kenneth	kenneth	PROPN
fsr-3888	1	27	n.	n.	PROPN
fsr-3888	1	28	danielsb	danielsb	PROPN
fsr-3888	1	29	,	,	PUNCT
fsr-3888	1	30	daniel	daniel	PROPN
fsr-3888	1	31	p.	p.	PROPN
fsr-3888	1	32	salandrob	salandrob	PROPN
fsr-3888	1	33	,	,	PUNCT
fsr-3888	1	34	*	*	PUNCT
fsr-3888	1	35	adepartment	adepartment	NOUN
fsr-3888	1	36	of	of	ADP
fsr-3888	1	37	economics	economic	NOUN
fsr-3888	1	38	and	and	CCONJ
fsr-3888	1	39	finance	finance	NOUN
fsr-3888	1	40	,	,	PUNCT
fsr-3888	1	41	virginia	virginia	PROPN
fsr-3888	1	42	state	state	PROPN
fsr-3888	1	43	university	university	PROPN
fsr-3888	1	44	,	,	PUNCT
fsr-3888	1	45	petersburg	petersburg	PROPN
fsr-3888	1	46	,	,	PUNCT
fsr-3888	1	47	va	va	PROPN
fsr-3888	1	48	23806	23806	NUM
fsr-3888	1	49	,	,	PUNCT
fsr-3888	1	50	usa	usa	PROPN
fsr-3888	1	51	bdepartment	bdepartment	PROPN
fsr-3888	1	52	of	of	ADP
fsr-3888	1	53	finance	finance	PROPN
fsr-3888	1	54	,	,	PUNCT
fsr-3888	1	55	virginia	virginia	PROPN
fsr-3888	1	56	commonwealth	commonwealth	PROPN
fsr-3888	1	57	university	university	PROPN
fsr-3888	1	58	,	,	PUNCT
fsr-3888	1	59	richmond	richmond	PROPN
fsr-3888	1	60	,	,	PUNCT
fsr-3888	1	61	va	va	PROPN
fsr-3888	1	62	23284	23284	NUM
fsr-3888	1	63	-	-	SYM
fsr-3888	1	64	4000	4000	NUM
fsr-3888	1	65	,	,	PUNCT
fsr-3888	1	66	usa	usa	PROPN
fsr-3888	1	67	received	receive	VERB
fsr-3888	1	68	20	20	NUM
fsr-3888	1	69	july	july	PROPN
fsr-3888	1	70	1999	1999	NUM
fsr-3888	1	71	;	;	PUNCT
fsr-3888	1	72	received	receive	VERB
fsr-3888	1	73	in	in	ADP
fsr-3888	1	74	revised	revise	VERB
fsr-3888	1	75	form	form	NOUN
fsr-3888	1	76	15	15	NUM
fsr-3888	1	77	october	october	NOUN
fsr-3888	1	78	1999	1999	NUM
fsr-3888	1	79	;	;	PUNCT
fsr-3888	1	80	accepted	accept	VERB
fsr-3888	1	81	29	29	NUM
fsr-3888	1	82	october	october	PROPN
fsr-3888	1	83	1999	1999	NUM
fsr-3888	1	84	abstract	abstract	NOUN
fsr-3888	1	85	this	this	DET
fsr-3888	1	86	study	study	NOUN
fsr-3888	1	87	analyzes	analyze	VERB
fsr-3888	1	88	data	datum	NOUN
fsr-3888	1	89	from	from	ADP
fsr-3888	1	90	the	the	DET
fsr-3888	1	91	1992	1992	NUM
fsr-3888	1	92	survey	survey	NOUN
fsr-3888	1	93	of	of	ADP
fsr-3888	1	94	consumer	consumer	NOUN
fsr-3888	1	95	finances	finance	NOUN
fsr-3888	1	96	and	and	CCONJ
fsr-3888	1	97	finds	find	VERB
fsr-3888	1	98	significant	significant	ADJ
fsr-3888	1	99	differences	difference	NOUN
fsr-3888	1	100	in	in	ADP
fsr-3888	1	101	asset	asset	NOUN
fsr-3888	1	102	and	and	CCONJ
fsr-3888	1	103	liability	liability	NOUN
fsr-3888	1	104	combinations	combination	NOUN
fsr-3888	1	105	between	between	ADP
fsr-3888	1	106	black	black	ADJ
fsr-3888	1	107	and	and	CCONJ
fsr-3888	1	108	white	white	ADJ
fsr-3888	1	109	households	household	NOUN
fsr-3888	1	110	.	.	PUNCT
fsr-3888	2	1	in	in	ADP
fsr-3888	2	2	addition	addition	NOUN
fsr-3888	2	3	,	,	PUNCT
fsr-3888	2	4	white	white	ADJ
fsr-3888	2	5	households	household	NOUN
fsr-3888	2	6	are	be	AUX
fsr-3888	2	7	identified	identify	VERB
fsr-3888	2	8	as	as	ADP
fsr-3888	2	9	having	have	VERB
fsr-3888	2	10	significantly	significantly	ADV
fsr-3888	2	11	greater	great	ADJ
fsr-3888	2	12	net	net	ADJ
fsr-3888	2	13	worth	worth	NOUN
fsr-3888	2	14	and	and	CCONJ
fsr-3888	2	15	financial	financial	ADJ
fsr-3888	2	16	assets	asset	NOUN
fsr-3888	2	17	relative	relative	ADJ
fsr-3888	2	18	to	to	ADP
fsr-3888	2	19	black	black	ADJ
fsr-3888	2	20	households	household	NOUN
fsr-3888	2	21	.	.	PUNCT
fsr-3888	3	1	we	we	PRON
fsr-3888	3	2	are	be	AUX
fsr-3888	3	3	unable	unable	ADJ
fsr-3888	3	4	to	to	PART
fsr-3888	3	5	show	show	VERB
fsr-3888	3	6	that	that	SCONJ
fsr-3888	3	7	the	the	DET
fsr-3888	3	8	net	net	ADJ
fsr-3888	3	9	worth	worth	NOUN
fsr-3888	3	10	of	of	ADP
fsr-3888	3	11	black	black	ADJ
fsr-3888	3	12	households	household	NOUN
fsr-3888	3	13	is	be	AUX
fsr-3888	3	14	constrained	constrain	VERB
fsr-3888	3	15	by	by	ADP
fsr-3888	3	16	barriers	barrier	NOUN
fsr-3888	3	17	in	in	ADP
fsr-3888	3	18	financial	financial	ADJ
fsr-3888	3	19	markets	market	NOUN
fsr-3888	3	20	.	.	PUNCT
fsr-3888	4	1	our	our	PRON
fsr-3888	4	2	study	study	NOUN
fsr-3888	4	3	investigates	investigate	VERB
fsr-3888	4	4	how	how	SCONJ
fsr-3888	4	5	this	this	DET
fsr-3888	4	6	difference	difference	NOUN
fsr-3888	4	7	in	in	ADP
fsr-3888	4	8	net	net	ADJ
fsr-3888	4	9	worth	worth	NOUN
fsr-3888	4	10	could	could	AUX
fsr-3888	4	11	engender	engender	VERB
fsr-3888	4	12	different	different	ADJ
fsr-3888	4	13	financing	financing	NOUN
fsr-3888	4	14	decisions	decision	NOUN
fsr-3888	4	15	.	.	PUNCT
fsr-3888	5	1	we	we	PRON
fsr-3888	5	2	find	find	VERB
fsr-3888	5	3	that	that	SCONJ
fsr-3888	5	4	black	black	ADJ
fsr-3888	5	5	households	household	NOUN
fsr-3888	5	6	are	be	AUX
fsr-3888	5	7	significantly	significantly	ADV
fsr-3888	5	8	more	more	ADJ
fsr-3888	5	9	risk	risk	NOUN
fsr-3888	5	10	averse	averse	ADJ
fsr-3888	5	11	in	in	ADP
fsr-3888	5	12	their	their	PRON
fsr-3888	5	13	choice	choice	NOUN
fsr-3888	5	14	of	of	ADP
fsr-3888	5	15	assets	asset	NOUN
fsr-3888	5	16	.	.	PUNCT
fsr-3888	6	1	further	far	ADV
fsr-3888	6	2	,	,	PUNCT
fsr-3888	6	3	we	we	PRON
fsr-3888	6	4	find	find	VERB
fsr-3888	6	5	that	that	SCONJ
fsr-3888	6	6	black	black	ADJ
fsr-3888	6	7	households	household	NOUN
fsr-3888	6	8	typically	typically	ADV
fsr-3888	6	9	pay	pay	VERB
fsr-3888	6	10	higher	high	ADJ
fsr-3888	6	11	rates	rate	NOUN
fsr-3888	6	12	for	for	ADP
fsr-3888	6	13	several	several	ADJ
fsr-3888	6	14	types	type	NOUN
fsr-3888	6	15	of	of	ADP
fsr-3888	6	16	credit	credit	NOUN
fsr-3888	6	17	instruments	instrument	NOUN
fsr-3888	6	18	,	,	PUNCT
fsr-3888	6	19	even	even	ADV
fsr-3888	6	20	though	though	SCONJ
fsr-3888	6	21	they	they	PRON
fsr-3888	6	22	self	self	NOUN
fsr-3888	6	23	identify	identify	VERB
fsr-3888	6	24	as	as	ADP
fsr-3888	6	25	conducting	conduct	VERB
fsr-3888	6	26	significantly	significantly	ADV
fsr-3888	6	27	more	more	ADV
fsr-3888	6	28	extensive	extensive	ADJ
fsr-3888	6	29	searches	search	NOUN
fsr-3888	6	30	in	in	ADP
fsr-3888	6	31	the	the	DET
fsr-3888	6	32	financial	financial	ADJ
fsr-3888	6	33	markets	market	NOUN
fsr-3888	6	34	.	.	PUNCT
fsr-3888	7	1	©	©	ADP
fsr-3888	7	2	2000	2000	NUM
fsr-3888	7	3	elsevier	elsevier	PROPN
fsr-3888	7	4	science	science	PROPN
fsr-3888	7	5	inc	inc	PROPN
fsr-3888	7	6	.	.	PUNCT
fsr-3888	8	1	all	all	DET
fsr-3888	8	2	rights	right	NOUN
fsr-3888	8	3	reserved	reserve	VERB
fsr-3888	8	4	.	.	PUNCT
fsr-3888	9	1	jel	jel	PROPN
fsr-3888	9	2	classification	classification	PROPN
fsr-3888	9	3	:	:	PUNCT
fsr-3888	9	4	d10	d10	PROPN
fsr-3888	9	5	;	;	PUNCT
fsr-3888	9	6	d31	d31	NOUN
fsr-3888	9	7	;	;	PUNCT
fsr-3888	9	8	j15	j15	NOUN
fsr-3888	9	9	keywords	keyword	NOUN
fsr-3888	9	10	:	:	PUNCT
fsr-3888	9	11	household	household	NOUN
fsr-3888	9	12	behavior	behavior	NOUN
fsr-3888	9	13	;	;	PUNCT
fsr-3888	9	14	wealth	wealth	NOUN
fsr-3888	9	15	distribution	distribution	NOUN
fsr-3888	9	16	;	;	PUNCT
fsr-3888	9	17	minority	minority	NOUN
fsr-3888	9	18	1	1	NUM
fsr-3888	9	19	.	.	PUNCT
fsr-3888	9	20	introduction	introduction	NOUN
fsr-3888	9	21	there	there	PRON
fsr-3888	9	22	is	be	VERB
fsr-3888	9	23	substantial	substantial	ADJ
fsr-3888	9	24	evidence	evidence	NOUN
fsr-3888	9	25	showing	show	VERB
fsr-3888	9	26	that	that	SCONJ
fsr-3888	9	27	blacks	black	NOUN
fsr-3888	9	28	have	have	AUX
fsr-3888	9	29	made	make	VERB
fsr-3888	9	30	substantial	substantial	ADJ
fsr-3888	9	31	economic	economic	ADJ
fsr-3888	9	32	gains	gain	NOUN
fsr-3888	9	33	during	during	ADP
fsr-3888	9	34	the	the	DET
fsr-3888	9	35	past	past	ADJ
fsr-3888	9	36	three	three	NUM
fsr-3888	9	37	decades	decade	NOUN
fsr-3888	9	38	.	.	PUNCT
fsr-3888	10	1	however	however	ADV
fsr-3888	10	2	,	,	PUNCT
fsr-3888	10	3	economic	economic	ADJ
fsr-3888	10	4	parity	parity	NOUN
fsr-3888	10	5	seems	seem	VERB
fsr-3888	10	6	not	not	PART
fsr-3888	10	7	to	to	PART
fsr-3888	10	8	have	have	AUX
fsr-3888	10	9	been	be	AUX
fsr-3888	10	10	achieved	achieve	VERB
fsr-3888	10	11	<	<	X
fsr-3888	10	12	an	an	DET
fsr-3888	10	13	earlier	early	ADJ
fsr-3888	10	14	version	version	NOUN
fsr-3888	10	15	of	of	ADP
fsr-3888	10	16	this	this	DET
fsr-3888	10	17	paper	paper	NOUN
fsr-3888	10	18	was	be	AUX
fsr-3888	10	19	presented	present	VERB
fsr-3888	10	20	at	at	ADP
fsr-3888	10	21	the	the	DET
fsr-3888	10	22	1999	1999	NUM
fsr-3888	10	23	eastern	eastern	PROPN
fsr-3888	10	24	finance	finance	NOUN
fsr-3888	10	25	association	association	NOUN
fsr-3888	10	26	meetings	meeting	NOUN
fsr-3888	10	27	.	.	PUNCT
fsr-3888	11	1	*	*	PUNCT
fsr-3888	11	2	corresponding	correspond	VERB
fsr-3888	11	3	author	author	NOUN
fsr-3888	11	4	.	.	PUNCT
fsr-3888	12	1	tel.:11	tel.:11	VERB
fsr-3888	12	2	-	-	PUNCT
fsr-3888	12	3	804	804	NUM
fsr-3888	12	4	-	-	PUNCT
fsr-3888	12	5	828	828	NUM
fsr-3888	12	6	-	-	SYM
fsr-3888	12	7	7088	7088	NUM
fsr-3888	12	8	;	;	PUNCT
fsr-3888	12	9	fax:11	fax:11	NOUN
fsr-3888	12	10	-	-	PUNCT
fsr-3888	12	11	804	804	NUM
fsr-3888	12	12	-	-	PUNCT
fsr-3888	12	13	828	828	NUM
fsr-3888	12	14	-	-	SYM
fsr-3888	12	15	3972	3972	NUM
fsr-3888	12	16	.	.	PUNCT
fsr-3888	13	1	e	e	X
fsr-3888	13	2	:	:	PUNCT
fsr-3888	13	3	mail	mail	NOUN
fsr-3888	13	4	address:dpsaland@vcu.edu	address:dpsaland@vcu.edu	PROPN
fsr-3888	13	5	(	(	PUNCT
fsr-3888	13	6	d.p	d.p	PROPN
fsr-3888	13	7	.	.	PROPN
fsr-3888	13	8	salandro	salandro	PROPN
fsr-3888	13	9	)	)	PUNCT
fsr-3888	13	10	financial	financial	ADJ
fsr-3888	13	11	services	service	NOUN
fsr-3888	13	12	review	review	VERB
fsr-3888	13	13	8	8	NUM
fsr-3888	13	14	(	(	PUNCT
fsr-3888	13	15	1999	1999	NUM
fsr-3888	13	16	)	)	PUNCT
fsr-3888	14	1	129–147	129–147	NUM
fsr-3888	14	2	1057	1057	NUM
fsr-3888	14	3	-	-	SYM
fsr-3888	14	4	0810/00/$	0810/00/$	NUM
fsr-3888	14	5	–	–	PUNCT
fsr-3888	14	6	see	see	VERB
fsr-3888	14	7	front	front	ADJ
fsr-3888	14	8	matter	matter	NOUN
fsr-3888	14	9	©	©	PROPN
fsr-3888	14	10	2000	2000	NUM
fsr-3888	14	11	elsevier	elsevier	PROPN
fsr-3888	14	12	science	science	PROPN
fsr-3888	14	13	inc	inc	PROPN
fsr-3888	14	14	.	.	PUNCT
fsr-3888	15	1	all	all	DET
fsr-3888	15	2	rights	right	NOUN
fsr-3888	15	3	reserved	reserve	VERB
fsr-3888	15	4	.	.	PUNCT
fsr-3888	16	1	pii	pii	NOUN
fsr-3888	16	2	:	:	PUNCT
fsr-3888	16	3	s1057	s1057	NOUN
fsr-3888	16	4	-	-	PUNCT
fsr-3888	16	5	0810(00)00039	0810(00)00039	NUM
fsr-3888	16	6	-	-	PUNCT
fsr-3888	16	7	6	6	NUM
fsr-3888	16	8	and	and	CCONJ
fsr-3888	16	9	gross	gross	ADJ
fsr-3888	16	10	inequities	inequity	NOUN
fsr-3888	16	11	between	between	ADP
fsr-3888	16	12	the	the	DET
fsr-3888	16	13	races	race	NOUN
fsr-3888	16	14	still	still	ADV
fsr-3888	16	15	exist	exist	VERB
fsr-3888	16	16	.	.	PUNCT
fsr-3888	17	1	the	the	DET
fsr-3888	17	2	fact	fact	NOUN
fsr-3888	17	3	is	be	AUX
fsr-3888	17	4	that	that	SCONJ
fsr-3888	17	5	blacks	black	NOUN
fsr-3888	17	6	have	have	AUX
fsr-3888	17	7	made	make	VERB
fsr-3888	17	8	relatively	relatively	ADV
fsr-3888	17	9	significant	significant	ADJ
fsr-3888	17	10	economic	economic	ADJ
fsr-3888	17	11	gains	gain	NOUN
fsr-3888	17	12	if	if	SCONJ
fsr-3888	17	13	income	income	NOUN
fsr-3888	17	14	is	be	AUX
fsr-3888	17	15	used	use	VERB
fsr-3888	17	16	as	as	ADP
fsr-3888	17	17	the	the	DET
fsr-3888	17	18	measure	measure	NOUN
fsr-3888	17	19	of	of	ADP
fsr-3888	17	20	economic	economic	ADJ
fsr-3888	17	21	well	well	NOUN
fsr-3888	17	22	-	-	PUNCT
fsr-3888	17	23	being	being	NOUN
fsr-3888	17	24	.	.	PUNCT
fsr-3888	18	1	reports	report	NOUN
fsr-3888	18	2	of	of	ADP
fsr-3888	18	3	income	income	NOUN
fsr-3888	18	4	gains	gain	NOUN
fsr-3888	18	5	and	and	CCONJ
fsr-3888	18	6	a	a	DET
fsr-3888	18	7	narrowing	narrowing	NOUN
fsr-3888	18	8	of	of	ADP
fsr-3888	18	9	the	the	DET
fsr-3888	18	10	gap	gap	NOUN
fsr-3888	18	11	between	between	ADP
fsr-3888	18	12	blacks	black	NOUN
fsr-3888	18	13	and	and	CCONJ
fsr-3888	18	14	whites	white	NOUN
fsr-3888	18	15	seem	seem	VERB
fsr-3888	18	16	,	,	PUNCT
fsr-3888	18	17	however	however	ADV
fsr-3888	18	18	,	,	PUNCT
fsr-3888	18	19	overshadowed	overshadow	VERB
fsr-3888	18	20	by	by	ADP
fsr-3888	18	21	the	the	DET
fsr-3888	18	22	deep	deep	ADV
fsr-3888	18	23	-	-	PUNCT
fsr-3888	18	24	seated	seat	VERB
fsr-3888	18	25	wealth	wealth	NOUN
fsr-3888	18	26	inequity	inequity	NOUN
fsr-3888	18	27	between	between	ADP
fsr-3888	18	28	the	the	DET
fsr-3888	18	29	two	two	NUM
fsr-3888	18	30	races	race	NOUN
fsr-3888	18	31	.	.	PUNCT
fsr-3888	19	1	indeed	indeed	ADV
fsr-3888	19	2	,	,	PUNCT
fsr-3888	19	3	browne	browne	PROPN
fsr-3888	19	4	(	(	PUNCT
fsr-3888	19	5	1993	1993	NUM
fsr-3888	19	6	)	)	PUNCT
fsr-3888	19	7	questions	question	NOUN
fsr-3888	19	8	the	the	DET
fsr-3888	19	9	over	over	ADP
fsr-3888	19	10	-	-	PUNCT
fsr-3888	19	11	reliance	reliance	NOUN
fsr-3888	19	12	on	on	ADP
fsr-3888	19	13	income	income	NOUN
fsr-3888	19	14	as	as	ADP
fsr-3888	19	15	an	an	DET
fsr-3888	19	16	index	index	NOUN
fsr-3888	19	17	of	of	ADP
fsr-3888	19	18	economic	economic	ADJ
fsr-3888	19	19	well	well	NOUN
fsr-3888	19	20	-	-	PUNCT
fsr-3888	19	21	being	being	NOUN
fsr-3888	19	22	of	of	ADP
fsr-3888	19	23	american	american	ADJ
fsr-3888	19	24	ethnic	ethnic	ADJ
fsr-3888	19	25	minorities	minority	NOUN
fsr-3888	19	26	.	.	PUNCT
fsr-3888	20	1	racial	racial	ADJ
fsr-3888	20	2	differences	difference	NOUN
fsr-3888	20	3	in	in	ADP
fsr-3888	20	4	net	net	ADJ
fsr-3888	20	5	worth	worth	NOUN
fsr-3888	20	6	not	not	PART
fsr-3888	20	7	only	only	ADV
fsr-3888	20	8	engender	engender	VERB
fsr-3888	20	9	identifiable	identifiable	ADJ
fsr-3888	20	10	differences	difference	NOUN
fsr-3888	20	11	in	in	ADP
fsr-3888	20	12	financing	financing	NOUN
fsr-3888	20	13	decisions	decision	NOUN
fsr-3888	20	14	,	,	PUNCT
fsr-3888	20	15	but	but	CCONJ
fsr-3888	20	16	have	have	VERB
fsr-3888	20	17	long	long	ADJ
fsr-3888	20	18	-	-	PUNCT
fsr-3888	20	19	term	term	NOUN
fsr-3888	20	20	impacts	impact	NOUN
fsr-3888	20	21	on	on	ADP
fsr-3888	20	22	future	future	ADJ
fsr-3888	20	23	wealth	wealth	NOUN
fsr-3888	20	24	accumulation	accumulation	NOUN
fsr-3888	20	25	and	and	CCONJ
fsr-3888	20	26	the	the	DET
fsr-3888	20	27	relative	relative	ADJ
fsr-3888	20	28	economic	economic	ADJ
fsr-3888	20	29	status	status	NOUN
fsr-3888	20	30	of	of	ADP
fsr-3888	20	31	blacks	black	NOUN
fsr-3888	20	32	and	and	CCONJ
fsr-3888	20	33	whites	white	NOUN
fsr-3888	20	34	.	.	PUNCT
fsr-3888	21	1	using	use	VERB
fsr-3888	21	2	the	the	DET
fsr-3888	21	3	1992	1992	NUM
fsr-3888	21	4	survey	survey	NOUN
fsr-3888	21	5	of	of	ADP
fsr-3888	21	6	consumer	consumer	NOUN
fsr-3888	21	7	finances	finance	NOUN
fsr-3888	21	8	data	datum	NOUN
fsr-3888	21	9	we	we	PRON
fsr-3888	21	10	attempt	attempt	VERB
fsr-3888	21	11	to	to	PART
fsr-3888	21	12	reverify	reverify	VERB
fsr-3888	21	13	that	that	SCONJ
fsr-3888	21	14	there	there	PRON
fsr-3888	21	15	are	be	VERB
fsr-3888	21	16	significant	significant	ADJ
fsr-3888	21	17	differences	difference	NOUN
fsr-3888	21	18	in	in	ADP
fsr-3888	21	19	wealth	wealth	NOUN
fsr-3888	21	20	as	as	SCONJ
fsr-3888	21	21	measured	measure	VERB
fsr-3888	21	22	by	by	ADP
fsr-3888	21	23	net	net	ADJ
fsr-3888	21	24	worth	worth	NOUN
fsr-3888	21	25	between	between	ADP
fsr-3888	21	26	the	the	DET
fsr-3888	21	27	races	race	NOUN
fsr-3888	21	28	.	.	PUNCT
fsr-3888	22	1	utilizing	utilize	VERB
fsr-3888	22	2	canonical	canonical	ADJ
fsr-3888	22	3	correlation	correlation	NOUN
fsr-3888	22	4	analysis	analysis	NOUN
fsr-3888	22	5	we	we	PRON
fsr-3888	22	6	also	also	ADV
fsr-3888	22	7	examine	examine	VERB
fsr-3888	22	8	the	the	DET
fsr-3888	22	9	portfolio	portfolio	NOUN
fsr-3888	22	10	choice	choice	NOUN
fsr-3888	22	11	behavior	behavior	NOUN
fsr-3888	22	12	of	of	ADP
fsr-3888	22	13	black	black	ADJ
fsr-3888	22	14	and	and	CCONJ
fsr-3888	22	15	white	white	ADJ
fsr-3888	22	16	households	household	NOUN
fsr-3888	22	17	.	.	PUNCT
fsr-3888	23	1	it	it	PRON
fsr-3888	23	2	is	be	AUX
fsr-3888	23	3	hypothesized	hypothesize	VERB
fsr-3888	23	4	that	that	SCONJ
fsr-3888	23	5	households	household	NOUN
fsr-3888	23	6	choose	choose	VERB
fsr-3888	23	7	assets	asset	NOUN
fsr-3888	23	8	in	in	ADP
fsr-3888	23	9	an	an	DET
fsr-3888	23	10	attempt	attempt	NOUN
fsr-3888	23	11	to	to	PART
fsr-3888	23	12	maximize	maximize	VERB
fsr-3888	23	13	the	the	DET
fsr-3888	23	14	value	value	NOUN
fsr-3888	23	15	of	of	ADP
fsr-3888	23	16	their	their	PRON
fsr-3888	23	17	portfolio	portfolio	NOUN
fsr-3888	23	18	and	and	CCONJ
fsr-3888	23	19	then	then	ADV
fsr-3888	23	20	attempt	attempt	VERB
fsr-3888	23	21	to	to	PART
fsr-3888	23	22	finance	finance	VERB
fsr-3888	23	23	these	these	DET
fsr-3888	23	24	assets	asset	NOUN
fsr-3888	23	25	.	.	PUNCT
fsr-3888	24	1	the	the	DET
fsr-3888	24	2	ability	ability	NOUN
fsr-3888	24	3	to	to	PART
fsr-3888	24	4	maximize	maximize	VERB
fsr-3888	24	5	the	the	DET
fsr-3888	24	6	value	value	NOUN
fsr-3888	24	7	of	of	ADP
fsr-3888	24	8	the	the	DET
fsr-3888	24	9	portfolio	portfolio	NOUN
fsr-3888	24	10	may	may	AUX
fsr-3888	24	11	be	be	AUX
fsr-3888	24	12	constrained	constrain	VERB
fsr-3888	24	13	for	for	ADP
fsr-3888	24	14	a	a	DET
fsr-3888	24	15	number	number	NOUN
fsr-3888	24	16	of	of	ADP
fsr-3888	24	17	reasons	reason	NOUN
fsr-3888	24	18	including	include	VERB
fsr-3888	24	19	the	the	DET
fsr-3888	24	20	inability	inability	NOUN
fsr-3888	24	21	to	to	PART
fsr-3888	24	22	finance	finance	VERB
fsr-3888	24	23	chosen	choose	VERB
fsr-3888	24	24	assets	asset	NOUN
fsr-3888	24	25	because	because	SCONJ
fsr-3888	24	26	of	of	ADP
fsr-3888	24	27	capital	capital	NOUN
fsr-3888	24	28	market	market	NOUN
fsr-3888	24	29	imperfections	imperfection	NOUN
fsr-3888	24	30	,	,	PUNCT
fsr-3888	24	31	incomplete	incomplete	ADJ
fsr-3888	24	32	information	information	NOUN
fsr-3888	24	33	,	,	PUNCT
fsr-3888	24	34	and	and	CCONJ
fsr-3888	24	35	inertia	inertia	NOUN
fsr-3888	24	36	on	on	ADP
fsr-3888	24	37	the	the	DET
fsr-3888	24	38	part	part	NOUN
fsr-3888	24	39	of	of	ADP
fsr-3888	24	40	the	the	DET
fsr-3888	24	41	households	household	NOUN
fsr-3888	24	42	.	.	PUNCT
fsr-3888	25	1	in	in	ADP
fsr-3888	25	2	addition	addition	NOUN
fsr-3888	25	3	,	,	PUNCT
fsr-3888	25	4	as	as	SCONJ
fsr-3888	25	5	alluded	allude	VERB
fsr-3888	25	6	to	to	ADP
fsr-3888	25	7	by	by	ADP
fsr-3888	25	8	brimmer	brimmer	NOUN
fsr-3888	25	9	(	(	PUNCT
fsr-3888	25	10	1991	1991	NUM
fsr-3888	25	11	)	)	PUNCT
fsr-3888	25	12	there	there	PRON
fsr-3888	25	13	may	may	AUX
fsr-3888	25	14	exist	exist	VERB
fsr-3888	25	15	a	a	DET
fsr-3888	25	16	significant	significant	ADJ
fsr-3888	25	17	difference	difference	NOUN
fsr-3888	25	18	in	in	ADP
fsr-3888	25	19	the	the	DET
fsr-3888	25	20	level	level	NOUN
fsr-3888	25	21	of	of	ADP
fsr-3888	25	22	risk	risk	NOUN
fsr-3888	25	23	aversion	aversion	NOUN
fsr-3888	25	24	between	between	ADP
fsr-3888	25	25	the	the	DET
fsr-3888	25	26	two	two	NUM
fsr-3888	25	27	subgroups	subgroup	NOUN
fsr-3888	25	28	.	.	PUNCT
fsr-3888	26	1	taking	take	VERB
fsr-3888	26	2	all	all	PRON
fsr-3888	26	3	of	of	ADP
fsr-3888	26	4	these	these	DET
fsr-3888	26	5	items	item	NOUN
fsr-3888	26	6	into	into	ADP
fsr-3888	26	7	consideration	consideration	NOUN
fsr-3888	26	8	the	the	DET
fsr-3888	26	9	structure	structure	NOUN
fsr-3888	26	10	of	of	ADP
fsr-3888	26	11	a	a	DET
fsr-3888	26	12	household	household	NOUN
fsr-3888	26	13	portfolio	portfolio	NOUN
fsr-3888	26	14	is	be	AUX
fsr-3888	26	15	then	then	ADV
fsr-3888	26	16	determined	determine	VERB
fsr-3888	26	17	by	by	ADP
fsr-3888	26	18	selecting	select	VERB
fsr-3888	26	19	those	those	DET
fsr-3888	26	20	assets	asset	NOUN
fsr-3888	26	21	that	that	PRON
fsr-3888	26	22	can	can	AUX
fsr-3888	26	23	be	be	AUX
fsr-3888	26	24	financed	finance	VERB
fsr-3888	26	25	in	in	ADP
fsr-3888	26	26	an	an	DET
fsr-3888	26	27	ascending	ascend	VERB
fsr-3888	26	28	order	order	NOUN
fsr-3888	26	29	of	of	ADP
fsr-3888	26	30	perceived	perceive	VERB
fsr-3888	26	31	contribution	contribution	NOUN
fsr-3888	26	32	to	to	ADP
fsr-3888	26	33	wealth	wealth	NOUN
fsr-3888	26	34	.	.	PUNCT
fsr-3888	27	1	using	use	VERB
fsr-3888	27	2	measures	measure	NOUN
fsr-3888	27	3	of	of	ADP
fsr-3888	27	4	risk	risk	NOUN
fsr-3888	27	5	aversion	aversion	NOUN
fsr-3888	27	6	and	and	CCONJ
fsr-3888	27	7	yield	yield	VERB
fsr-3888	27	8	differentials	differential	NOUN
fsr-3888	27	9	in	in	ADP
fsr-3888	27	10	the	the	DET
fsr-3888	27	11	set	set	NOUN
fsr-3888	27	12	of	of	ADP
fsr-3888	27	13	financial	financial	ADJ
fsr-3888	27	14	liabilities	liability	NOUN
fsr-3888	27	15	we	we	PRON
fsr-3888	27	16	attempt	attempt	VERB
fsr-3888	27	17	to	to	PART
fsr-3888	27	18	determine	determine	VERB
fsr-3888	27	19	if	if	SCONJ
fsr-3888	27	20	financial	financial	ADJ
fsr-3888	27	21	market	market	NOUN
fsr-3888	27	22	constraints	constraint	NOUN
fsr-3888	27	23	and	and	CCONJ
fsr-3888	27	24	inertia	inertia	NOUN
fsr-3888	27	25	exist	exist	VERB
fsr-3888	27	26	.	.	PUNCT
fsr-3888	28	1	the	the	DET
fsr-3888	28	2	rest	rest	NOUN
fsr-3888	28	3	of	of	ADP
fsr-3888	28	4	the	the	DET
fsr-3888	28	5	paper	paper	NOUN
fsr-3888	28	6	is	be	AUX
fsr-3888	28	7	organized	organize	VERB
fsr-3888	28	8	as	as	SCONJ
fsr-3888	28	9	follows	follow	VERB
fsr-3888	28	10	.	.	PUNCT
fsr-3888	29	1	section	section	NOUN
fsr-3888	29	2	2	2	NUM
fsr-3888	29	3	provides	provide	VERB
fsr-3888	29	4	a	a	DET
fsr-3888	29	5	framework	framework	NOUN
fsr-3888	29	6	for	for	ADP
fsr-3888	29	7	factors	factor	NOUN
fsr-3888	29	8	that	that	PRON
fsr-3888	29	9	may	may	AUX
fsr-3888	29	10	affect	affect	VERB
fsr-3888	29	11	the	the	DET
fsr-3888	29	12	asset	asset	NOUN
fsr-3888	29	13	and	and	CCONJ
fsr-3888	29	14	liability	liability	NOUN
fsr-3888	29	15	combinations	combination	NOUN
fsr-3888	29	16	of	of	ADP
fsr-3888	29	17	households	household	NOUN
fsr-3888	29	18	.	.	PUNCT
fsr-3888	30	1	section	section	NOUN
fsr-3888	30	2	3	3	NUM
fsr-3888	30	3	discusses	discuss	VERB
fsr-3888	30	4	the	the	DET
fsr-3888	30	5	data	datum	NOUN
fsr-3888	30	6	and	and	CCONJ
fsr-3888	30	7	methodologies	methodology	NOUN
fsr-3888	30	8	.	.	PUNCT
fsr-3888	31	1	section	section	NOUN
fsr-3888	31	2	4	4	NUM
fsr-3888	31	3	summarizes	summarize	VERB
fsr-3888	31	4	the	the	DET
fsr-3888	31	5	empirical	empirical	ADJ
fsr-3888	31	6	results	result	NOUN
fsr-3888	31	7	.	.	PUNCT
fsr-3888	32	1	section	section	NOUN
fsr-3888	32	2	5	5	NUM
fsr-3888	32	3	summarizes	summarize	NOUN
fsr-3888	32	4	the	the	DET
fsr-3888	32	5	main	main	ADJ
fsr-3888	32	6	ideas	idea	NOUN
fsr-3888	32	7	of	of	ADP
fsr-3888	32	8	the	the	DET
fsr-3888	32	9	paper	paper	NOUN
fsr-3888	32	10	along	along	ADP
fsr-3888	32	11	with	with	ADP
fsr-3888	32	12	some	some	DET
fsr-3888	32	13	general	general	ADJ
fsr-3888	32	14	remarks	remark	NOUN
fsr-3888	32	15	on	on	ADP
fsr-3888	32	16	public	public	ADJ
fsr-3888	32	17	policy	policy	NOUN
fsr-3888	32	18	.	.	PUNCT
fsr-3888	33	1	2	2	X
fsr-3888	33	2	.	.	NUM
fsr-3888	33	3	factors	factor	NOUN
fsr-3888	33	4	that	that	PRON
fsr-3888	33	5	affect	affect	VERB
fsr-3888	33	6	asset	asset	NOUN
fsr-3888	33	7	and	and	CCONJ
fsr-3888	33	8	liability	liability	NOUN
fsr-3888	33	9	composition	composition	NOUN
fsr-3888	33	10	recent	recent	ADJ
fsr-3888	33	11	studies	study	NOUN
fsr-3888	33	12	such	such	ADJ
fsr-3888	33	13	as	as	ADP
fsr-3888	33	14	browne	browne	PROPN
fsr-3888	33	15	(	(	PUNCT
fsr-3888	33	16	1993	1993	NUM
fsr-3888	33	17	)	)	PUNCT
fsr-3888	33	18	,	,	PUNCT
fsr-3888	33	19	blau	blau	NOUN
fsr-3888	33	20	and	and	CCONJ
fsr-3888	33	21	graham	graham	PROPN
fsr-3888	33	22	(	(	PUNCT
fsr-3888	33	23	1990	1990	NUM
fsr-3888	33	24	)	)	PUNCT
fsr-3888	33	25	,	,	PUNCT
fsr-3888	33	26	oliver	oliver	PROPN
fsr-3888	33	27	and	and	CCONJ
fsr-3888	33	28	shapiro	shapiro	PROPN
fsr-3888	33	29	(	(	PUNCT
fsr-3888	33	30	1995	1995	NUM
fsr-3888	33	31	)	)	PUNCT
fsr-3888	33	32	,	,	PUNCT
fsr-3888	33	33	and	and	CCONJ
fsr-3888	33	34	wolff	wolff	NOUN
fsr-3888	33	35	(	(	PUNCT
fsr-3888	33	36	1994	1994	NUM
fsr-3888	33	37	)	)	PUNCT
fsr-3888	33	38	,	,	PUNCT
fsr-3888	33	39	have	have	AUX
fsr-3888	33	40	confirmed	confirm	VERB
fsr-3888	33	41	the	the	DET
fsr-3888	33	42	existence	existence	NOUN
fsr-3888	33	43	of	of	ADP
fsr-3888	33	44	a	a	DET
fsr-3888	33	45	considerable	considerable	ADJ
fsr-3888	33	46	wealth	wealth	NOUN
fsr-3888	33	47	gap	gap	NOUN
fsr-3888	33	48	between	between	ADP
fsr-3888	33	49	blacks	black	NOUN
fsr-3888	33	50	and	and	CCONJ
fsr-3888	33	51	whites	white	NOUN
fsr-3888	33	52	.	.	PUNCT
fsr-3888	34	1	according	accord	VERB
fsr-3888	34	2	to	to	ADP
fsr-3888	34	3	brimmer	brimmer	NOUN
fsr-3888	34	4	(	(	PUNCT
fsr-3888	34	5	1991	1991	NUM
fsr-3888	34	6	)	)	PUNCT
fsr-3888	34	7	,	,	PUNCT
fsr-3888	34	8	blacks	black	NOUN
fsr-3888	34	9	in	in	ADP
fsr-3888	34	10	1988	1988	NUM
fsr-3888	34	11	represented	represent	VERB
fsr-3888	34	12	11.23	11.23	NUM
fsr-3888	34	13	%	%	NOUN
fsr-3888	34	14	of	of	ADP
fsr-3888	34	15	us	us	PROPN
fsr-3888	34	16	households	household	NOUN
fsr-3888	34	17	,	,	PUNCT
fsr-3888	34	18	received	receive	VERB
fsr-3888	34	19	7.25	7.25	NUM
fsr-3888	34	20	%	%	NOUN
fsr-3888	34	21	of	of	ADP
fsr-3888	34	22	money	money	NOUN
fsr-3888	34	23	income	income	NOUN
fsr-3888	34	24	,	,	PUNCT
fsr-3888	34	25	but	but	CCONJ
fsr-3888	34	26	held	hold	VERB
fsr-3888	34	27	only	only	ADV
fsr-3888	34	28	2.89	2.89	NUM
fsr-3888	34	29	%	%	NOUN
fsr-3888	34	30	of	of	ADP
fsr-3888	34	31	household	household	NOUN
fsr-3888	34	32	net	net	ADJ
fsr-3888	34	33	wealth	wealth	NOUN
fsr-3888	34	34	.	.	PUNCT
fsr-3888	35	1	oliver	oliver	PROPN
fsr-3888	35	2	and	and	CCONJ
fsr-3888	35	3	shapiro	shapiro	PROPN
fsr-3888	35	4	report	report	VERB
fsr-3888	35	5	that	that	SCONJ
fsr-3888	35	6	the	the	DET
fsr-3888	35	7	ratio	ratio	NOUN
fsr-3888	35	8	of	of	ADP
fsr-3888	35	9	black	black	NOUN
fsr-3888	35	10	-	-	PUNCT
fsr-3888	35	11	to	to	ADP
fsr-3888	35	12	-	-	PUNCT
fsr-3888	35	13	white	white	ADJ
fsr-3888	35	14	median	median	ADJ
fsr-3888	35	15	household	household	NOUN
fsr-3888	35	16	income	income	NOUN
fsr-3888	35	17	reached	reach	VERB
fsr-3888	35	18	0.62	0.62	NUM
fsr-3888	35	19	in	in	ADP
fsr-3888	35	20	1988	1988	NUM
fsr-3888	35	21	whereas	whereas	SCONJ
fsr-3888	35	22	the	the	DET
fsr-3888	35	23	median	median	ADJ
fsr-3888	35	24	net	net	NOUN
fsr-3888	35	25	worth	worth	ADJ
fsr-3888	35	26	ratio	ratio	NOUN
fsr-3888	35	27	stood	stand	VERB
fsr-3888	35	28	at	at	ADP
fsr-3888	35	29	0.08	0.08	NUM
fsr-3888	35	30	and	and	CCONJ
fsr-3888	35	31	that	that	SCONJ
fsr-3888	35	32	white	white	ADJ
fsr-3888	35	33	households	household	NOUN
fsr-3888	35	34	possess	possess	VERB
fsr-3888	35	35	nearly	nearly	ADV
fsr-3888	35	36	103	103	NUM
fsr-3888	35	37	as	as	ADV
fsr-3888	35	38	much	much	ADV
fsr-3888	35	39	mean	mean	ADJ
fsr-3888	35	40	net	net	ADJ
fsr-3888	35	41	financial	financial	ADJ
fsr-3888	35	42	assets	asset	NOUN
fsr-3888	35	43	as	as	ADP
fsr-3888	35	44	black	black	ADJ
fsr-3888	35	45	households	household	NOUN
fsr-3888	35	46	.	.	PUNCT
fsr-3888	36	1	census	census	NOUN
fsr-3888	36	2	data	datum	NOUN
fsr-3888	36	3	released	release	VERB
fsr-3888	36	4	recently	recently	ADV
fsr-3888	36	5	also	also	ADV
fsr-3888	36	6	indicate	indicate	VERB
fsr-3888	36	7	that	that	SCONJ
fsr-3888	36	8	in	in	ADP
fsr-3888	36	9	1993	1993	NUM
fsr-3888	36	10	white	white	ADJ
fsr-3888	36	11	households	household	NOUN
fsr-3888	36	12	had	have	VERB
fsr-3888	36	13	a	a	DET
fsr-3888	36	14	median	median	ADJ
fsr-3888	36	15	net	net	ADJ
fsr-3888	36	16	worth	worth	NOUN
fsr-3888	36	17	of	of	ADP
fsr-3888	36	18	$	$	SYM
fsr-3888	36	19	45	45	NUM
fsr-3888	36	20	,	,	PUNCT
fsr-3888	36	21	740	740	NUM
fsr-3888	36	22	compared	compare	VERB
fsr-3888	36	23	to	to	ADP
fsr-3888	36	24	$	$	SYM
fsr-3888	36	25	4	4	NUM
fsr-3888	36	26	,	,	PUNCT
fsr-3888	36	27	418	418	NUM
fsr-3888	36	28	for	for	ADP
fsr-3888	36	29	black	black	ADJ
fsr-3888	36	30	households	household	NOUN
fsr-3888	36	31	,	,	PUNCT
fsr-3888	36	32	a	a	DET
fsr-3888	36	33	black	black	ADJ
fsr-3888	36	34	-	-	PUNCT
fsr-3888	36	35	white	white	ADJ
fsr-3888	36	36	ratio	ratio	NOUN
fsr-3888	36	37	of	of	ADP
fsr-3888	36	38	0.10	0.10	NUM
fsr-3888	36	39	.	.	PUNCT
fsr-3888	37	1	wolff	wolff	PROPN
fsr-3888	37	2	’s	’s	PART
fsr-3888	37	3	study	study	NOUN
fsr-3888	37	4	further	far	ADV
fsr-3888	37	5	shows	show	VERB
fsr-3888	37	6	that	that	SCONJ
fsr-3888	37	7	even	even	ADV
fsr-3888	37	8	among	among	ADP
fsr-3888	37	9	nonwhite	nonwhite	ADJ
fsr-3888	37	10	and	and	CCONJ
fsr-3888	37	11	white	white	ADJ
fsr-3888	37	12	families	family	NOUN
fsr-3888	37	13	of	of	ADP
fsr-3888	37	14	the	the	DET
fsr-3888	37	15	same	same	ADJ
fsr-3888	37	16	income	income	NOUN
fsr-3888	37	17	level	level	NOUN
fsr-3888	37	18	,	,	PUNCT
fsr-3888	37	19	white	white	ADJ
fsr-3888	37	20	families	family	NOUN
fsr-3888	37	21	held	hold	VERB
fsr-3888	37	22	considerably	considerably	ADV
fsr-3888	37	23	more	more	ADJ
fsr-3888	37	24	wealth	wealth	NOUN
fsr-3888	37	25	.	.	PUNCT
fsr-3888	38	1	racial	racial	ADJ
fsr-3888	38	2	differences	difference	NOUN
fsr-3888	38	3	in	in	ADP
fsr-3888	38	4	net	net	ADJ
fsr-3888	38	5	worth	worth	NOUN
fsr-3888	38	6	not	not	PART
fsr-3888	38	7	only	only	ADV
fsr-3888	38	8	engender	engender	VERB
fsr-3888	38	9	identifiable	identifiable	ADJ
fsr-3888	38	10	differences	difference	NOUN
fsr-3888	38	11	in	in	ADP
fsr-3888	38	12	financing	financing	NOUN
fsr-3888	38	13	decisions	decision	NOUN
fsr-3888	38	14	,	,	PUNCT
fsr-3888	38	15	but	but	CCONJ
fsr-3888	38	16	have	have	VERB
fsr-3888	38	17	longterm	longterm	ADJ
fsr-3888	38	18	impacts	impact	NOUN
fsr-3888	38	19	on	on	ADP
fsr-3888	38	20	future	future	ADJ
fsr-3888	38	21	wealth	wealth	NOUN
fsr-3888	38	22	accumulation	accumulation	NOUN
fsr-3888	38	23	and	and	CCONJ
fsr-3888	38	24	the	the	DET
fsr-3888	38	25	relative	relative	ADJ
fsr-3888	38	26	economic	economic	ADJ
fsr-3888	38	27	status	status	NOUN
fsr-3888	38	28	of	of	ADP
fsr-3888	38	29	blacks	black	NOUN
fsr-3888	38	30	and	and	CCONJ
fsr-3888	38	31	130	130	NUM
fsr-3888	38	32	y.a	y.a	PROPN
fsr-3888	38	33	.	.	PROPN
fsr-3888	38	34	badu	badu	PROPN
fsr-3888	38	35	et	et	PROPN
fsr-3888	38	36	al	al	PROPN
fsr-3888	38	37	.	.	PUNCT
fsr-3888	38	38	/	/	SYM
fsr-3888	38	39	financial	financial	ADJ
fsr-3888	38	40	services	service	NOUN
fsr-3888	38	41	review	review	VERB
fsr-3888	38	42	8	8	NUM
fsr-3888	38	43	(	(	PUNCT
fsr-3888	38	44	1999	1999	NUM
fsr-3888	38	45	)	)	PUNCT
fsr-3888	39	1	129–147	129–147	NUM
fsr-3888	39	2	whites	white	NOUN
fsr-3888	39	3	.	.	PUNCT
fsr-3888	40	1	brimmer	brimmer	NOUN
fsr-3888	40	2	(	(	PUNCT
fsr-3888	40	3	1991	1991	NUM
fsr-3888	40	4	)	)	PUNCT
fsr-3888	40	5	alluded	allude	VERB
fsr-3888	40	6	to	to	ADP
fsr-3888	40	7	these	these	DET
fsr-3888	40	8	differences	difference	NOUN
fsr-3888	40	9	when	when	SCONJ
fsr-3888	40	10	(	(	PUNCT
fsr-3888	40	11	he	he	PRON
fsr-3888	40	12	observed	observe	VERB
fsr-3888	40	13	that	that	SCONJ
fsr-3888	40	14	black	black	ADJ
fsr-3888	40	15	wealth	wealth	NOUN
fsr-3888	40	16	was	be	AUX
fsr-3888	40	17	concentrated	concentrate	VERB
fsr-3888	40	18	more	more	ADV
fsr-3888	40	19	heavily	heavily	ADV
fsr-3888	40	20	in	in	ADP
fsr-3888	40	21	property	property	NOUN
fsr-3888	40	22	than	than	ADP
fsr-3888	40	23	in	in	ADP
fsr-3888	40	24	other	other	ADJ
fsr-3888	40	25	households	household	NOUN
fsr-3888	40	26	and	and	CCONJ
fsr-3888	40	27	that	that	SCONJ
fsr-3888	40	28	black	black	ADJ
fsr-3888	40	29	investors	investor	NOUN
fsr-3888	40	30	stressed	stress	VERB
fsr-3888	40	31	safety	safety	NOUN
fsr-3888	40	32	over	over	ADP
fsr-3888	40	33	more	more	ADV
fsr-3888	40	34	risky	risky	ADJ
fsr-3888	40	35	types	type	NOUN
fsr-3888	40	36	of	of	ADP
fsr-3888	40	37	investments	investment	NOUN
fsr-3888	40	38	.	.	PUNCT
fsr-3888	41	1	oliver	oliver	PROPN
fsr-3888	41	2	and	and	CCONJ
fsr-3888	41	3	shapiro	shapiro	PROPN
fsr-3888	41	4	argue	argue	VERB
fsr-3888	41	5	that	that	SCONJ
fsr-3888	41	6	the	the	DET
fsr-3888	41	7	different	different	ADJ
fsr-3888	41	8	decision	decision	NOUN
fsr-3888	41	9	patterns	pattern	NOUN
fsr-3888	41	10	may	may	AUX
fsr-3888	41	11	explain	explain	VERB
fsr-3888	41	12	why	why	SCONJ
fsr-3888	41	13	the	the	DET
fsr-3888	41	14	wealth	wealth	NOUN
fsr-3888	41	15	gap	gap	NOUN
fsr-3888	41	16	between	between	ADP
fsr-3888	41	17	blacks	black	NOUN
fsr-3888	41	18	and	and	CCONJ
fsr-3888	41	19	whites	white	NOUN
fsr-3888	41	20	is	be	AUX
fsr-3888	41	21	likely	likely	ADJ
fsr-3888	41	22	to	to	PART
fsr-3888	41	23	increase	increase	VERB
fsr-3888	41	24	.	.	PUNCT
fsr-3888	42	1	we	we	PRON
fsr-3888	42	2	attempt	attempt	VERB
fsr-3888	42	3	to	to	PART
fsr-3888	42	4	provide	provide	VERB
fsr-3888	42	5	a	a	DET
fsr-3888	42	6	framework	framework	NOUN
fsr-3888	42	7	for	for	ADP
fsr-3888	42	8	factors	factor	NOUN
fsr-3888	42	9	that	that	PRON
fsr-3888	42	10	affect	affect	VERB
fsr-3888	42	11	the	the	DET
fsr-3888	42	12	portfolio	portfolio	NOUN
fsr-3888	42	13	decisions	decision	NOUN
fsr-3888	42	14	,	,	PUNCT
fsr-3888	42	15	and	and	CCONJ
fsr-3888	42	16	therefore	therefore	ADV
fsr-3888	42	17	the	the	DET
fsr-3888	42	18	asset	asset	NOUN
fsr-3888	42	19	and	and	CCONJ
fsr-3888	42	20	liability	liability	NOUN
fsr-3888	42	21	combinations	combination	NOUN
fsr-3888	42	22	of	of	ADP
fsr-3888	42	23	households	household	NOUN
fsr-3888	42	24	.	.	PUNCT
fsr-3888	43	1	we	we	PRON
fsr-3888	43	2	find	find	VERB
fsr-3888	43	3	in	in	ADP
fsr-3888	43	4	the	the	DET
fsr-3888	43	5	literature	literature	NOUN
fsr-3888	43	6	a	a	DET
fsr-3888	43	7	patchwork	patchwork	NOUN
fsr-3888	43	8	of	of	ADP
fsr-3888	43	9	compelling	compelling	ADJ
fsr-3888	43	10	arguments	argument	NOUN
fsr-3888	43	11	that	that	PRON
fsr-3888	43	12	identify	identify	VERB
fsr-3888	43	13	key	key	ADJ
fsr-3888	43	14	factors	factor	NOUN
fsr-3888	43	15	that	that	PRON
fsr-3888	43	16	affect	affect	VERB
fsr-3888	43	17	the	the	DET
fsr-3888	43	18	asset	asset	NOUN
fsr-3888	43	19	and	and	CCONJ
fsr-3888	43	20	liability	liability	NOUN
fsr-3888	43	21	combinations	combination	NOUN
fsr-3888	43	22	of	of	ADP
fsr-3888	43	23	households	household	NOUN
fsr-3888	43	24	.	.	PUNCT
fsr-3888	44	1	recently	recently	ADV
fsr-3888	44	2	,	,	PUNCT
fsr-3888	44	3	gutter	gutter	NOUN
fsr-3888	44	4	,	,	PUNCT
fsr-3888	44	5	fox	fox	NOUN
fsr-3888	44	6	and	and	CCONJ
fsr-3888	44	7	montalto	montalto	PROPN
fsr-3888	44	8	(	(	PUNCT
fsr-3888	44	9	1999	1999	NUM
fsr-3888	44	10	)	)	PUNCT
fsr-3888	44	11	incorporated	incorporate	VERB
fsr-3888	44	12	socioeconomic	socioeconomic	ADJ
fsr-3888	44	13	,	,	PUNCT
fsr-3888	44	14	financial	financial	ADJ
fsr-3888	44	15	,	,	PUNCT
fsr-3888	44	16	and	and	CCONJ
fsr-3888	44	17	attitudinal	attitudinal	ADJ
fsr-3888	44	18	factors	factor	NOUN
fsr-3888	44	19	into	into	ADP
fsr-3888	44	20	the	the	DET
fsr-3888	44	21	life	life	NOUN
fsr-3888	44	22	-	-	PUNCT
fsr-3888	44	23	cycle	cycle	NOUN
fsr-3888	44	24	savings	saving	NOUN
fsr-3888	44	25	model	model	NOUN
fsr-3888	44	26	to	to	PART
fsr-3888	44	27	determine	determine	VERB
fsr-3888	44	28	portfolio	portfolio	NOUN
fsr-3888	44	29	choice	choice	NOUN
fsr-3888	44	30	.	.	PUNCT
fsr-3888	45	1	their	their	PRON
fsr-3888	45	2	findings	finding	NOUN
fsr-3888	45	3	are	be	AUX
fsr-3888	45	4	that	that	SCONJ
fsr-3888	45	5	the	the	DET
fsr-3888	45	6	socioeconomic	socioeconomic	ADJ
fsr-3888	45	7	factors	factor	NOUN
fsr-3888	45	8	have	have	VERB
fsr-3888	45	9	a	a	DET
fsr-3888	45	10	greater	great	ADJ
fsr-3888	45	11	effect	effect	NOUN
fsr-3888	45	12	than	than	ADP
fsr-3888	45	13	race	race	NOUN
fsr-3888	45	14	in	in	ADP
fsr-3888	45	15	observed	observed	ADJ
fsr-3888	45	16	differences	difference	NOUN
fsr-3888	45	17	in	in	ADP
fsr-3888	45	18	portfolio	portfolio	NOUN
fsr-3888	45	19	choices	choice	NOUN
fsr-3888	45	20	.	.	PUNCT
fsr-3888	46	1	household	household	NOUN
fsr-3888	46	2	portfolio	portfolio	NOUN
fsr-3888	46	3	decisions	decision	NOUN
fsr-3888	46	4	are	be	AUX
fsr-3888	46	5	made	make	VERB
fsr-3888	46	6	such	such	ADJ
fsr-3888	46	7	that	that	SCONJ
fsr-3888	46	8	households	household	NOUN
fsr-3888	46	9	attempt	attempt	VERB
fsr-3888	46	10	to	to	PART
fsr-3888	46	11	maximize	maximize	VERB
fsr-3888	46	12	the	the	DET
fsr-3888	46	13	value	value	NOUN
fsr-3888	46	14	of	of	ADP
fsr-3888	46	15	their	their	PRON
fsr-3888	46	16	portfolio	portfolio	NOUN
fsr-3888	46	17	subject	subject	NOUN
fsr-3888	46	18	to	to	ADP
fsr-3888	46	19	market	market	NOUN
fsr-3888	46	20	financing	financing	NOUN
fsr-3888	46	21	constraints	constraint	NOUN
fsr-3888	46	22	.	.	PUNCT
fsr-3888	47	1	households	household	NOUN
fsr-3888	47	2	do	do	AUX
fsr-3888	47	3	not	not	PART
fsr-3888	47	4	have	have	VERB
fsr-3888	47	5	the	the	DET
fsr-3888	47	6	flexibility	flexibility	NOUN
fsr-3888	47	7	of	of	ADP
fsr-3888	47	8	financing	financing	NOUN
fsr-3888	47	9	that	that	PRON
fsr-3888	47	10	is	be	AUX
fsr-3888	47	11	afforded	afford	VERB
fsr-3888	47	12	the	the	DET
fsr-3888	47	13	corporate	corporate	ADJ
fsr-3888	47	14	sector	sector	NOUN
fsr-3888	47	15	,	,	PUNCT
fsr-3888	47	16	that	that	ADV
fsr-3888	47	17	is	is	ADV
fsr-3888	47	18	,	,	PUNCT
fsr-3888	47	19	many	many	ADJ
fsr-3888	47	20	assets	asset	NOUN
fsr-3888	47	21	are	be	AUX
fsr-3888	47	22	only	only	ADV
fsr-3888	47	23	capable	capable	ADJ
fsr-3888	47	24	of	of	ADP
fsr-3888	47	25	being	be	AUX
fsr-3888	47	26	financed	finance	VERB
fsr-3888	47	27	by	by	ADP
fsr-3888	47	28	particular	particular	ADJ
fsr-3888	47	29	types	type	NOUN
fsr-3888	47	30	of	of	ADP
fsr-3888	47	31	liabilities	liability	NOUN
fsr-3888	47	32	.	.	PUNCT
fsr-3888	48	1	thus	thus	ADV
fsr-3888	48	2	,	,	PUNCT
fsr-3888	48	3	if	if	SCONJ
fsr-3888	48	4	a	a	DET
fsr-3888	48	5	particular	particular	ADJ
fsr-3888	48	6	type	type	NOUN
fsr-3888	48	7	of	of	ADP
fsr-3888	48	8	liability	liability	NOUN
fsr-3888	48	9	is	be	AUX
fsr-3888	48	10	not	not	PART
fsr-3888	48	11	provided	provide	VERB
fsr-3888	48	12	to	to	ADP
fsr-3888	48	13	the	the	DET
fsr-3888	48	14	household	household	NOUN
fsr-3888	48	15	,	,	PUNCT
fsr-3888	48	16	the	the	DET
fsr-3888	48	17	asset	asset	NOUN
fsr-3888	48	18	that	that	PRON
fsr-3888	48	19	it	it	PRON
fsr-3888	48	20	sought	seek	VERB
fsr-3888	48	21	to	to	PART
fsr-3888	48	22	finance	finance	VERB
fsr-3888	48	23	can	can	AUX
fsr-3888	48	24	not	not	PART
fsr-3888	48	25	be	be	AUX
fsr-3888	48	26	obtained	obtain	VERB
fsr-3888	48	27	,	,	PUNCT
fsr-3888	48	28	or	or	CCONJ
fsr-3888	48	29	it	it	PRON
fsr-3888	48	30	must	must	AUX
fsr-3888	48	31	be	be	AUX
fsr-3888	48	32	financed	finance	VERB
fsr-3888	48	33	with	with	ADP
fsr-3888	48	34	the	the	DET
fsr-3888	48	35	next	next	ADJ
fsr-3888	48	36	,	,	PUNCT
fsr-3888	48	37	probably	probably	ADV
fsr-3888	48	38	more	more	ADV
fsr-3888	48	39	costly	costly	ADJ
fsr-3888	48	40	liability	liability	NOUN
fsr-3888	48	41	.	.	PUNCT
fsr-3888	49	1	for	for	ADP
fsr-3888	49	2	example	example	NOUN
fsr-3888	49	3	,	,	PUNCT
fsr-3888	49	4	one	one	PRON
fsr-3888	49	5	would	would	AUX
fsr-3888	49	6	expect	expect	VERB
fsr-3888	49	7	that	that	SCONJ
fsr-3888	49	8	cars	car	NOUN
fsr-3888	49	9	would	would	AUX
fsr-3888	49	10	be	be	AUX
fsr-3888	49	11	financed	finance	VERB
fsr-3888	49	12	with	with	ADP
fsr-3888	49	13	installment	installment	NOUN
fsr-3888	49	14	loans	loan	NOUN
fsr-3888	49	15	,	,	PUNCT
fsr-3888	49	16	given	give	VERB
fsr-3888	49	17	the	the	DET
fsr-3888	49	18	relatively	relatively	ADV
fsr-3888	49	19	favorable	favorable	ADJ
fsr-3888	49	20	rate	rate	NOUN
fsr-3888	49	21	of	of	ADP
fsr-3888	49	22	the	the	DET
fsr-3888	49	23	installment	installment	NOUN
fsr-3888	49	24	loan	loan	NOUN
fsr-3888	49	25	to	to	ADP
fsr-3888	49	26	comparable	comparable	ADJ
fsr-3888	49	27	alternatives	alternative	NOUN
fsr-3888	49	28	,	,	PUNCT
fsr-3888	49	29	and	and	CCONJ
fsr-3888	49	30	the	the	DET
fsr-3888	49	31	tendency	tendency	NOUN
fsr-3888	49	32	of	of	ADP
fsr-3888	49	33	the	the	DET
fsr-3888	49	34	installment	installment	NOUN
fsr-3888	49	35	loan	loan	NOUN
fsr-3888	49	36	maturity	maturity	NOUN
fsr-3888	49	37	to	to	PART
fsr-3888	49	38	match	match	VERB
fsr-3888	49	39	the	the	DET
fsr-3888	49	40	life	life	NOUN
fsr-3888	49	41	of	of	ADP
fsr-3888	49	42	the	the	DET
fsr-3888	49	43	asset	asset	NOUN
fsr-3888	49	44	,	,	PUNCT
fsr-3888	49	45	which	which	PRON
fsr-3888	49	46	reduces	reduce	VERB
fsr-3888	49	47	interest	interest	NOUN
fsr-3888	49	48	rate	rate	NOUN
fsr-3888	49	49	risk	risk	NOUN
fsr-3888	49	50	.	.	PUNCT
fsr-3888	50	1	however	however	ADV
fsr-3888	50	2	,	,	PUNCT
fsr-3888	50	3	it	it	PRON
fsr-3888	50	4	is	be	AUX
fsr-3888	50	5	not	not	PART
fsr-3888	50	6	uncommon	uncommon	ADJ
fsr-3888	50	7	in	in	SCONJ
fsr-3888	50	8	the	the	DET
fsr-3888	50	9	us	we	PRON
fsr-3888	50	10	to	to	PART
fsr-3888	50	11	find	find	VERB
fsr-3888	50	12	households	household	NOUN
fsr-3888	50	13	that	that	PRON
fsr-3888	50	14	finance	finance	VERB
fsr-3888	50	15	cars	car	NOUN
fsr-3888	50	16	on	on	ADP
fsr-3888	50	17	credit	credit	NOUN
fsr-3888	50	18	with	with	ADP
fsr-3888	50	19	interest	interest	NOUN
fsr-3888	50	20	rates	rate	NOUN
fsr-3888	50	21	as	as	ADV
fsr-3888	50	22	high	high	ADJ
fsr-3888	50	23	as	as	ADP
fsr-3888	50	24	36	36	NUM
fsr-3888	50	25	%	%	NOUN
fsr-3888	50	26	.	.	PUNCT
fsr-3888	51	1	transouth	transouth	PROPN
fsr-3888	51	2	financial	financial	PROPN
fsr-3888	51	3	is	be	AUX
fsr-3888	51	4	a	a	DET
fsr-3888	51	5	us	us	PROPN
fsr-3888	51	6	financial	financial	ADJ
fsr-3888	51	7	corporation	corporation	NOUN
fsr-3888	51	8	that	that	PRON
fsr-3888	51	9	has	have	AUX
fsr-3888	51	10	taken	take	VERB
fsr-3888	51	11	advantage	advantage	NOUN
fsr-3888	51	12	of	of	ADP
fsr-3888	51	13	this	this	DET
fsr-3888	51	14	market	market	NOUN
fsr-3888	51	15	condition	condition	NOUN
fsr-3888	51	16	(	(	PUNCT
fsr-3888	51	17	tlpj	tlpj	ADJ
fsr-3888	51	18	,	,	PUNCT
fsr-3888	51	19	1999	1999	NUM
fsr-3888	51	20	)	)	PUNCT
fsr-3888	51	21	.	.	PUNCT
fsr-3888	52	1	the	the	DET
fsr-3888	52	2	flexibility	flexibility	NOUN
fsr-3888	52	3	of	of	ADP
fsr-3888	52	4	financing	financing	NOUN
fsr-3888	52	5	afforded	afford	VERB
fsr-3888	52	6	the	the	DET
fsr-3888	52	7	household	household	NOUN
fsr-3888	52	8	is	be	AUX
fsr-3888	52	9	only	only	ADV
fsr-3888	52	10	one	one	NUM
fsr-3888	52	11	factor	factor	NOUN
fsr-3888	52	12	that	that	PRON
fsr-3888	52	13	may	may	AUX
fsr-3888	52	14	be	be	AUX
fsr-3888	52	15	impacting	impact	VERB
fsr-3888	52	16	these	these	DET
fsr-3888	52	17	types	type	NOUN
fsr-3888	52	18	of	of	ADP
fsr-3888	52	19	financing	financing	NOUN
fsr-3888	52	20	decisions	decision	NOUN
fsr-3888	52	21	.	.	PUNCT
fsr-3888	53	1	other	other	ADJ
fsr-3888	53	2	factors	factor	NOUN
fsr-3888	53	3	include	include	VERB
fsr-3888	53	4	transaction	transaction	NOUN
fsr-3888	53	5	costs	cost	NOUN
fsr-3888	53	6	,	,	PUNCT
fsr-3888	53	7	tax	tax	NOUN
fsr-3888	53	8	considerations	consideration	NOUN
fsr-3888	53	9	,	,	PUNCT
fsr-3888	53	10	incomplete	incomplete	ADJ
fsr-3888	53	11	information	information	NOUN
fsr-3888	53	12	,	,	PUNCT
fsr-3888	53	13	liquidity	liquidity	NOUN
fsr-3888	53	14	constraints	constraint	NOUN
fsr-3888	53	15	,	,	PUNCT
fsr-3888	53	16	heterogeneous	heterogeneous	ADJ
fsr-3888	53	17	risk	risk	NOUN
fsr-3888	53	18	aversion	aversion	NOUN
fsr-3888	53	19	,	,	PUNCT
fsr-3888	53	20	and	and	CCONJ
fsr-3888	53	21	household	household	NOUN
fsr-3888	53	22	inertia	inertia	NOUN
fsr-3888	53	23	.	.	PUNCT
fsr-3888	54	1	asymmetric	asymmetric	ADJ
fsr-3888	54	2	information	information	NOUN
fsr-3888	54	3	problems	problem	NOUN
fsr-3888	54	4	play	play	VERB
fsr-3888	54	5	a	a	DET
fsr-3888	54	6	much	much	ADV
fsr-3888	54	7	larger	large	ADJ
fsr-3888	54	8	role	role	NOUN
fsr-3888	54	9	in	in	ADP
fsr-3888	54	10	this	this	DET
fsr-3888	54	11	scenario	scenario	NOUN
fsr-3888	54	12	than	than	ADP
fsr-3888	54	13	in	in	ADP
fsr-3888	54	14	the	the	DET
fsr-3888	54	15	corporate	corporate	ADJ
fsr-3888	54	16	setting	setting	NOUN
fsr-3888	54	17	.	.	PUNCT
fsr-3888	55	1	the	the	DET
fsr-3888	55	2	availability	availability	NOUN
fsr-3888	55	3	of	of	ADP
fsr-3888	55	4	financing	financing	NOUN
fsr-3888	55	5	in	in	ADP
fsr-3888	55	6	the	the	DET
fsr-3888	55	7	household	household	NOUN
fsr-3888	55	8	sector	sector	NOUN
fsr-3888	55	9	is	be	AUX
fsr-3888	55	10	subject	subject	ADJ
fsr-3888	55	11	to	to	ADP
fsr-3888	55	12	the	the	DET
fsr-3888	55	13	provider	provider	NOUN
fsr-3888	55	14	’s	’s	PART
fsr-3888	55	15	ability	ability	NOUN
fsr-3888	55	16	to	to	PART
fsr-3888	55	17	correctly	correctly	ADV
fsr-3888	55	18	process	process	VERB
fsr-3888	55	19	costly	costly	ADV
fsr-3888	55	20	obtained	obtain	VERB
fsr-3888	55	21	information	information	NOUN
fsr-3888	55	22	submitted	submit	VERB
fsr-3888	55	23	by	by	ADP
fsr-3888	55	24	the	the	DET
fsr-3888	55	25	household	household	NOUN
fsr-3888	55	26	that	that	PRON
fsr-3888	55	27	most	most	ADV
fsr-3888	55	28	certainly	certainly	ADV
fsr-3888	55	29	involves	involve	VERB
fsr-3888	55	30	the	the	DET
fsr-3888	55	31	problem	problem	NOUN
fsr-3888	55	32	of	of	ADP
fsr-3888	55	33	moral	moral	ADJ
fsr-3888	55	34	hazard	hazard	NOUN
fsr-3888	55	35	and	and	CCONJ
fsr-3888	55	36	adverse	adverse	ADJ
fsr-3888	55	37	selection	selection	NOUN
fsr-3888	55	38	.	.	PUNCT
fsr-3888	56	1	in	in	ADP
fsr-3888	56	2	this	this	DET
fsr-3888	56	3	context	context	NOUN
fsr-3888	56	4	,	,	PUNCT
fsr-3888	56	5	households	household	NOUN
fsr-3888	56	6	applying	apply	VERB
fsr-3888	56	7	for	for	ADP
fsr-3888	56	8	funding	funding	NOUN
fsr-3888	56	9	may	may	AUX
fsr-3888	56	10	overstate	overstate	VERB
fsr-3888	56	11	their	their	PRON
fsr-3888	56	12	ability	ability	NOUN
fsr-3888	56	13	to	to	PART
fsr-3888	56	14	meet	meet	VERB
fsr-3888	56	15	the	the	DET
fsr-3888	56	16	repayment	repayment	NOUN
fsr-3888	56	17	schedule	schedule	NOUN
fsr-3888	56	18	of	of	ADP
fsr-3888	56	19	the	the	DET
fsr-3888	56	20	liability	liability	NOUN
fsr-3888	56	21	in	in	ADP
fsr-3888	56	22	their	their	PRON
fsr-3888	56	23	applications	application	NOUN
fsr-3888	56	24	for	for	ADP
fsr-3888	56	25	financing	financing	NOUN
fsr-3888	56	26	(	(	PUNCT
fsr-3888	56	27	moral	moral	ADJ
fsr-3888	56	28	hazard	hazard	NOUN
fsr-3888	56	29	)	)	PUNCT
fsr-3888	56	30	.	.	PUNCT
fsr-3888	57	1	in	in	ADP
fsr-3888	57	2	addition	addition	NOUN
fsr-3888	57	3	,	,	PUNCT
fsr-3888	57	4	the	the	DET
fsr-3888	57	5	problem	problem	NOUN
fsr-3888	57	6	of	of	ADP
fsr-3888	57	7	adverse	adverse	ADJ
fsr-3888	57	8	selection	selection	NOUN
fsr-3888	57	9	may	may	AUX
fsr-3888	57	10	also	also	ADV
fsr-3888	57	11	be	be	AUX
fsr-3888	57	12	observed	observe	VERB
fsr-3888	57	13	in	in	ADP
fsr-3888	57	14	certain	certain	ADJ
fsr-3888	57	15	types	type	NOUN
fsr-3888	57	16	of	of	ADP
fsr-3888	57	17	liability	liability	NOUN
fsr-3888	57	18	acquisition	acquisition	NOUN
fsr-3888	57	19	processes	process	NOUN
fsr-3888	57	20	.	.	PUNCT
fsr-3888	58	1	rates	rate	NOUN
fsr-3888	58	2	charged	charge	VERB
fsr-3888	58	3	high	high	ADJ
fsr-3888	58	4	default	default	NOUN
fsr-3888	58	5	risk	risk	NOUN
fsr-3888	58	6	households	household	NOUN
fsr-3888	58	7	may	may	AUX
fsr-3888	58	8	be	be	AUX
fsr-3888	58	9	such	such	ADJ
fsr-3888	58	10	that	that	SCONJ
fsr-3888	58	11	households	household	NOUN
fsr-3888	58	12	on	on	ADP
fsr-3888	58	13	the	the	DET
fsr-3888	58	14	low	low	ADJ
fsr-3888	58	15	end	end	NOUN
fsr-3888	58	16	of	of	ADP
fsr-3888	58	17	this	this	DET
fsr-3888	58	18	risk	risk	NOUN
fsr-3888	58	19	category	category	NOUN
fsr-3888	58	20	may	may	AUX
fsr-3888	58	21	opt	opt	VERB
fsr-3888	58	22	out	out	ADP
fsr-3888	58	23	of	of	ADP
fsr-3888	58	24	this	this	DET
fsr-3888	58	25	type	type	NOUN
fsr-3888	58	26	of	of	ADP
fsr-3888	58	27	financing	financing	NOUN
fsr-3888	58	28	causing	cause	VERB
fsr-3888	58	29	average	average	ADJ
fsr-3888	58	30	risk	risk	NOUN
fsr-3888	58	31	to	to	PART
fsr-3888	58	32	increase	increase	VERB
fsr-3888	58	33	.	.	PUNCT
fsr-3888	59	1	from	from	ADP
fsr-3888	59	2	the	the	DET
fsr-3888	59	3	financing	financing	NOUN
fsr-3888	59	4	providers	provider	NOUN
fsr-3888	59	5	point	point	NOUN
fsr-3888	59	6	of	of	ADP
fsr-3888	59	7	view	view	NOUN
fsr-3888	59	8	it	it	PRON
fsr-3888	59	9	is	be	AUX
fsr-3888	59	10	the	the	DET
fsr-3888	59	11	least	least	ADJ
fsr-3888	59	12	desirable	desirable	ADJ
fsr-3888	59	13	customers	customer	NOUN
fsr-3888	59	14	who	who	PRON
fsr-3888	59	15	apply	apply	VERB
fsr-3888	59	16	for	for	ADP
fsr-3888	59	17	this	this	DET
fsr-3888	59	18	type	type	NOUN
fsr-3888	59	19	of	of	ADP
fsr-3888	59	20	liability	liability	NOUN
fsr-3888	59	21	.	.	PUNCT
fsr-3888	60	1	this	this	PRON
fsr-3888	60	2	may	may	AUX
fsr-3888	60	3	cause	cause	VERB
fsr-3888	60	4	the	the	DET
fsr-3888	60	5	availability	availability	NOUN
fsr-3888	60	6	of	of	ADP
fsr-3888	60	7	particular	particular	ADJ
fsr-3888	60	8	asset	asset	NOUN
fsr-3888	60	9	and	and	CCONJ
fsr-3888	60	10	liability	liability	NOUN
fsr-3888	60	11	combinations	combination	NOUN
fsr-3888	60	12	to	to	PART
fsr-3888	60	13	be	be	AUX
fsr-3888	60	14	correlated	correlate	VERB
fsr-3888	60	15	with	with	ADP
fsr-3888	60	16	the	the	DET
fsr-3888	60	17	demographics	demographic	NOUN
fsr-3888	60	18	of	of	ADP
fsr-3888	60	19	the	the	DET
fsr-3888	60	20	households	household	NOUN
fsr-3888	60	21	.	.	PUNCT
fsr-3888	61	1	for	for	ADP
fsr-3888	61	2	example	example	NOUN
fsr-3888	61	3	,	,	PUNCT
fsr-3888	61	4	housing	housing	NOUN
fsr-3888	61	5	assets	asset	NOUN
fsr-3888	61	6	and	and	CCONJ
fsr-3888	61	7	mortgage	mortgage	NOUN
fsr-3888	61	8	financing	financing	NOUN
fsr-3888	61	9	may	may	AUX
fsr-3888	61	10	only	only	ADV
fsr-3888	61	11	be	be	AUX
fsr-3888	61	12	available	available	ADJ
fsr-3888	61	13	to	to	ADP
fsr-3888	61	14	households	household	NOUN
fsr-3888	61	15	whose	whose	DET
fsr-3888	61	16	head	head	NOUN
fsr-3888	61	17	is	be	AUX
fsr-3888	61	18	relatively	relatively	ADV
fsr-3888	61	19	older	old	ADJ
fsr-3888	61	20	with	with	ADP
fsr-3888	61	21	an	an	DET
fsr-3888	61	22	established	establish	VERB
fsr-3888	61	23	credit	credit	NOUN
fsr-3888	61	24	history	history	NOUN
fsr-3888	61	25	attempting	attempt	VERB
fsr-3888	61	26	to	to	PART
fsr-3888	61	27	purchase	purchase	VERB
fsr-3888	61	28	housing	housing	NOUN
fsr-3888	61	29	in	in	ADP
fsr-3888	61	30	particular	particular	ADJ
fsr-3888	61	31	areas	area	NOUN
fsr-3888	61	32	.	.	PUNCT
fsr-3888	62	1	paxson	paxson	PROPN
fsr-3888	62	2	(	(	PUNCT
fsr-3888	62	3	1990	1990	NUM
fsr-3888	62	4	)	)	PUNCT
fsr-3888	62	5	shows	show	VERB
fsr-3888	62	6	that	that	SCONJ
fsr-3888	62	7	borrowing	borrowing	NOUN
fsr-3888	62	8	constraints	constraint	NOUN
fsr-3888	62	9	in	in	ADP
fsr-3888	62	10	personal	personal	ADJ
fsr-3888	62	11	loan	loan	NOUN
fsr-3888	62	12	markets	market	NOUN
fsr-3888	62	13	may	may	AUX
fsr-3888	62	14	affect	affect	VERB
fsr-3888	62	15	131y.a	131y.a	NUM
fsr-3888	62	16	.	.	PUNCT
fsr-3888	63	1	badu	badu	PROPN
fsr-3888	63	2	et	et	PROPN
fsr-3888	63	3	al	al	PROPN
fsr-3888	63	4	.	.	PUNCT
fsr-3888	63	5	/	/	SYM
fsr-3888	63	6	financial	financial	ADJ
fsr-3888	63	7	services	service	NOUN
fsr-3888	63	8	review	review	VERB
fsr-3888	63	9	8	8	NUM
fsr-3888	63	10	(	(	PUNCT
fsr-3888	63	11	1999	1999	NUM
fsr-3888	63	12	)	)	PUNCT
fsr-3888	63	13	129–147	129–147	NUM
fsr-3888	63	14	portfolio	portfolio	NOUN
fsr-3888	63	15	choices	choice	NOUN
fsr-3888	63	16	as	as	ADV
fsr-3888	63	17	well	well	ADV
fsr-3888	63	18	.	.	PUNCT
fsr-3888	64	1	in	in	ADP
fsr-3888	64	2	this	this	DET
fsr-3888	64	3	analysis	analysis	NOUN
fsr-3888	64	4	exogenous	exogenous	ADJ
fsr-3888	64	5	and	and	CCONJ
fsr-3888	64	6	endogenous	endogenous	ADJ
fsr-3888	64	7	borrowing	borrowing	NOUN
fsr-3888	64	8	ceilings	ceiling	NOUN
fsr-3888	64	9	exist	exist	VERB
fsr-3888	64	10	.	.	PUNCT
fsr-3888	65	1	exogenous	exogenous	ADJ
fsr-3888	65	2	borrowing	borrowing	NOUN
fsr-3888	65	3	ceilings	ceiling	NOUN
fsr-3888	65	4	are	be	AUX
fsr-3888	65	5	unaffected	unaffected	ADJ
fsr-3888	65	6	by	by	ADP
fsr-3888	65	7	individual	individual	ADJ
fsr-3888	65	8	portfolio	portfolio	NOUN
fsr-3888	65	9	choices	choice	NOUN
fsr-3888	65	10	and	and	CCONJ
fsr-3888	65	11	unambiguously	unambiguously	ADV
fsr-3888	65	12	lead	lead	VERB
fsr-3888	65	13	to	to	ADP
fsr-3888	65	14	more	more	ADJ
fsr-3888	65	15	liquid	liquid	ADJ
fsr-3888	65	16	portfolios	portfolio	NOUN
fsr-3888	65	17	.	.	PUNCT
fsr-3888	66	1	endogenous	endogenous	ADJ
fsr-3888	66	2	borrowing	borrowing	NOUN
fsr-3888	66	3	ceilings	ceiling	NOUN
fsr-3888	66	4	allow	allow	VERB
fsr-3888	66	5	for	for	ADP
fsr-3888	66	6	maximum	maximum	ADJ
fsr-3888	66	7	loanable	loanable	ADJ
fsr-3888	66	8	amounts	amount	NOUN
fsr-3888	66	9	that	that	PRON
fsr-3888	66	10	are	be	AUX
fsr-3888	66	11	positively	positively	ADV
fsr-3888	66	12	correlated	correlate	VERB
fsr-3888	66	13	to	to	ADP
fsr-3888	66	14	illiquid	illiquid	ADJ
fsr-3888	66	15	assets	asset	NOUN
fsr-3888	66	16	(	(	PUNCT
fsr-3888	66	17	collateral	collateral	NOUN
fsr-3888	66	18	)	)	PUNCT
fsr-3888	66	19	held	hold	VERB
fsr-3888	66	20	by	by	ADP
fsr-3888	66	21	the	the	DET
fsr-3888	66	22	household	household	NOUN
fsr-3888	66	23	.	.	PUNCT
fsr-3888	67	1	thus	thus	ADV
fsr-3888	67	2	,	,	PUNCT
fsr-3888	67	3	a	a	DET
fsr-3888	67	4	household	household	NOUN
fsr-3888	67	5	facing	face	VERB
fsr-3888	67	6	stricter	strict	ADJ
fsr-3888	67	7	borrowing	borrowing	NOUN
fsr-3888	67	8	ceilings	ceiling	NOUN
fsr-3888	67	9	may	may	AUX
fsr-3888	67	10	be	be	AUX
fsr-3888	67	11	less	less	ADV
fsr-3888	67	12	likely	likely	ADJ
fsr-3888	67	13	to	to	PART
fsr-3888	67	14	put	put	VERB
fsr-3888	67	15	assets	asset	NOUN
fsr-3888	67	16	into	into	ADP
fsr-3888	67	17	such	such	ADJ
fsr-3888	67	18	things	thing	NOUN
fsr-3888	67	19	as	as	ADP
fsr-3888	67	20	housing	housing	NOUN
fsr-3888	67	21	and	and	CCONJ
fsr-3888	67	22	other	other	ADJ
fsr-3888	67	23	assets	asset	NOUN
fsr-3888	67	24	that	that	PRON
fsr-3888	67	25	can	can	AUX
fsr-3888	67	26	not	not	PART
fsr-3888	67	27	be	be	AUX
fsr-3888	67	28	easily	easily	ADV
fsr-3888	67	29	converted	convert	VERB
fsr-3888	67	30	to	to	PART
fsr-3888	67	31	finance	finance	VERB
fsr-3888	67	32	consumption	consumption	NOUN
fsr-3888	67	33	in	in	ADP
fsr-3888	67	34	case	case	NOUN
fsr-3888	67	35	of	of	ADP
fsr-3888	67	36	an	an	DET
fsr-3888	67	37	income	income	NOUN
fsr-3888	67	38	shortfall	shortfall	NOUN
fsr-3888	67	39	.	.	PUNCT
fsr-3888	68	1	the	the	DET
fsr-3888	68	2	amount	amount	NOUN
fsr-3888	68	3	of	of	ADP
fsr-3888	68	4	risk	risk	NOUN
fsr-3888	68	5	a	a	DET
fsr-3888	68	6	household	household	NOUN
fsr-3888	68	7	is	be	AUX
fsr-3888	68	8	willing	willing	ADJ
fsr-3888	68	9	to	to	PART
fsr-3888	68	10	face	face	VERB
fsr-3888	68	11	will	will	AUX
fsr-3888	68	12	affect	affect	VERB
fsr-3888	68	13	the	the	DET
fsr-3888	68	14	choice	choice	NOUN
fsr-3888	68	15	of	of	ADP
fsr-3888	68	16	assets	asset	NOUN
fsr-3888	68	17	made	make	VERB
fsr-3888	68	18	by	by	ADP
fsr-3888	68	19	that	that	DET
fsr-3888	68	20	household	household	NOUN
fsr-3888	68	21	.	.	PUNCT
fsr-3888	69	1	friend	friend	NOUN
fsr-3888	69	2	and	and	CCONJ
fsr-3888	69	3	blume	blume	PROPN
fsr-3888	69	4	(	(	PUNCT
fsr-3888	69	5	1975	1975	NUM
fsr-3888	69	6	)	)	PUNCT
fsr-3888	69	7	provided	provide	VERB
fsr-3888	69	8	an	an	DET
fsr-3888	69	9	expected	expect	VERB
fsr-3888	69	10	utility	utility	NOUN
fsr-3888	69	11	based	base	VERB
fsr-3888	69	12	model	model	NOUN
fsr-3888	69	13	that	that	PRON
fsr-3888	69	14	shows	show	VERB
fsr-3888	69	15	that	that	SCONJ
fsr-3888	69	16	an	an	DET
fsr-3888	69	17	investor	investor	NOUN
fsr-3888	69	18	’s	’s	PART
fsr-3888	69	19	portfolio	portfolio	NOUN
fsr-3888	69	20	decision	decision	NOUN
fsr-3888	69	21	is	be	AUX
fsr-3888	69	22	a	a	DET
fsr-3888	69	23	function	function	NOUN
fsr-3888	69	24	of	of	ADP
fsr-3888	69	25	the	the	DET
fsr-3888	69	26	dollar	dollar	NOUN
fsr-3888	69	27	amount	amount	NOUN
fsr-3888	69	28	of	of	ADP
fsr-3888	69	29	wealth	wealth	NOUN
fsr-3888	69	30	,	,	PUNCT
fsr-3888	69	31	individual	individual	ADJ
fsr-3888	69	32	risk	risk	NOUN
fsr-3888	69	33	preferences	preference	NOUN
fsr-3888	69	34	and	and	CCONJ
fsr-3888	69	35	the	the	DET
fsr-3888	69	36	allocation	allocation	NOUN
fsr-3888	69	37	of	of	ADP
fsr-3888	69	38	wealth	wealth	NOUN
fsr-3888	69	39	among	among	ADP
fsr-3888	69	40	risky	risky	ADJ
fsr-3888	69	41	assets	asset	NOUN
fsr-3888	69	42	.	.	PUNCT
fsr-3888	70	1	schooley	schooley	NOUN
fsr-3888	70	2	and	and	CCONJ
fsr-3888	70	3	worden	worden	NOUN
fsr-3888	70	4	(	(	PUNCT
fsr-3888	70	5	1995	1995	NUM
fsr-3888	70	6	)	)	PUNCT
fsr-3888	70	7	use	use	VERB
fsr-3888	70	8	this	this	DET
fsr-3888	70	9	expected	expect	VERB
fsr-3888	70	10	utility	utility	NOUN
fsr-3888	70	11	based	base	VERB
fsr-3888	70	12	model	model	NOUN
fsr-3888	70	13	to	to	PART
fsr-3888	70	14	show	show	VERB
fsr-3888	70	15	that	that	SCONJ
fsr-3888	70	16	portfolio	portfolio	NOUN
fsr-3888	70	17	allocations	allocation	NOUN
fsr-3888	70	18	are	be	AUX
fsr-3888	70	19	a	a	DET
fsr-3888	70	20	reliable	reliable	ADJ
fsr-3888	70	21	indicator	indicator	NOUN
fsr-3888	70	22	of	of	ADP
fsr-3888	70	23	a	a	DET
fsr-3888	70	24	household	household	NOUN
fsr-3888	70	25	’s	’s	PART
fsr-3888	70	26	relative	relative	ADJ
fsr-3888	70	27	level	level	NOUN
fsr-3888	70	28	of	of	ADP
fsr-3888	70	29	risk	risk	NOUN
fsr-3888	70	30	taking	taking	NOUN
fsr-3888	70	31	and	and	CCONJ
fsr-3888	70	32	attitudes	attitude	NOUN
fsr-3888	70	33	toward	toward	ADP
fsr-3888	70	34	risk	risk	NOUN
fsr-3888	70	35	.	.	PUNCT
fsr-3888	71	1	they	they	PRON
fsr-3888	71	2	also	also	ADV
fsr-3888	71	3	find	find	VERB
fsr-3888	71	4	investment	investment	NOUN
fsr-3888	71	5	in	in	ADP
fsr-3888	71	6	risky	risky	ADJ
fsr-3888	71	7	assets	asset	NOUN
fsr-3888	71	8	is	be	AUX
fsr-3888	71	9	significantly	significantly	ADV
fsr-3888	71	10	related	relate	VERB
fsr-3888	71	11	to	to	ADP
fsr-3888	71	12	the	the	DET
fsr-3888	71	13	household	household	NOUN
fsr-3888	71	14	’s	’s	PART
fsr-3888	71	15	demographic	demographic	ADJ
fsr-3888	71	16	profile	profile	NOUN
fsr-3888	71	17	.	.	PUNCT
fsr-3888	72	1	in	in	ADP
fsr-3888	72	2	a	a	DET
fsr-3888	72	3	related	relate	VERB
fsr-3888	72	4	study	study	NOUN
fsr-3888	72	5	,	,	PUNCT
fsr-3888	72	6	bajtelsmit	bajtelsmit	NOUN
fsr-3888	72	7	,	,	PUNCT
fsr-3888	72	8	bernasek	bernasek	VERB
fsr-3888	72	9	,	,	PUNCT
fsr-3888	72	10	and	and	CCONJ
fsr-3888	72	11	jianakoplos	jianakoplos	PROPN
fsr-3888	72	12	(	(	PUNCT
fsr-3888	72	13	1999	1999	NUM
fsr-3888	72	14	)	)	PUNCT
fsr-3888	72	15	find	find	VERB
fsr-3888	72	16	that	that	SCONJ
fsr-3888	72	17	women	woman	NOUN
fsr-3888	72	18	exhibit	exhibit	VERB
fsr-3888	72	19	a	a	DET
fsr-3888	72	20	greater	great	ADJ
fsr-3888	72	21	relative	relative	ADJ
fsr-3888	72	22	risk	risk	NOUN
fsr-3888	72	23	aversion	aversion	NOUN
fsr-3888	72	24	in	in	ADP
fsr-3888	72	25	their	their	PRON
fsr-3888	72	26	asset	asset	NOUN
fsr-3888	72	27	allocation	allocation	NOUN
fsr-3888	72	28	that	that	PRON
fsr-3888	72	29	affects	affect	VERB
fsr-3888	72	30	the	the	DET
fsr-3888	72	31	allocation	allocation	NOUN
fsr-3888	72	32	of	of	ADP
fsr-3888	72	33	household	household	NOUN
fsr-3888	72	34	wealth	wealth	NOUN
fsr-3888	72	35	to	to	ADP
fsr-3888	72	36	defined	define	VERB
fsr-3888	72	37	contribution	contribution	NOUN
fsr-3888	72	38	pensions	pension	NOUN
fsr-3888	72	39	.	.	PUNCT
fsr-3888	73	1	if	if	SCONJ
fsr-3888	73	2	particular	particular	ADJ
fsr-3888	73	3	population	population	NOUN
fsr-3888	73	4	subgroups	subgroup	NOUN
fsr-3888	73	5	tend	tend	VERB
fsr-3888	73	6	to	to	PART
fsr-3888	73	7	be	be	AUX
fsr-3888	73	8	more	more	ADJ
fsr-3888	73	9	risk	risk	NOUN
fsr-3888	73	10	averse	averse	ADJ
fsr-3888	73	11	in	in	ADP
fsr-3888	73	12	their	their	PRON
fsr-3888	73	13	asset	asset	NOUN
fsr-3888	73	14	and	and	CCONJ
fsr-3888	73	15	liability	liability	NOUN
fsr-3888	73	16	choices	choice	NOUN
fsr-3888	73	17	,	,	PUNCT
fsr-3888	73	18	their	their	PRON
fsr-3888	73	19	long	long	ADJ
fsr-3888	73	20	-	-	PUNCT
fsr-3888	73	21	term	term	NOUN
fsr-3888	73	22	wealth	wealth	NOUN
fsr-3888	73	23	will	will	AUX
fsr-3888	73	24	be	be	AUX
fsr-3888	73	25	expected	expect	VERB
fsr-3888	73	26	to	to	PART
fsr-3888	73	27	be	be	AUX
fsr-3888	73	28	less	less	ADJ
fsr-3888	73	29	than	than	ADP
fsr-3888	73	30	households	household	NOUN
fsr-3888	73	31	who	who	PRON
fsr-3888	73	32	choose	choose	VERB
fsr-3888	73	33	to	to	PART
fsr-3888	73	34	be	be	AUX
fsr-3888	73	35	less	less	ADJ
fsr-3888	73	36	risk	risk	NOUN
fsr-3888	73	37	averse	averse	ADJ
fsr-3888	73	38	.	.	PUNCT
fsr-3888	74	1	for	for	ADP
fsr-3888	74	2	instance	instance	NOUN
fsr-3888	74	3	,	,	PUNCT
fsr-3888	74	4	households	household	NOUN
fsr-3888	74	5	that	that	PRON
fsr-3888	74	6	preclude	preclude	VERB
fsr-3888	74	7	stocks	stock	NOUN
fsr-3888	74	8	from	from	ADP
fsr-3888	74	9	their	their	PRON
fsr-3888	74	10	portfolio	portfolio	NOUN
fsr-3888	74	11	will	will	AUX
fsr-3888	74	12	undoubtedly	undoubtedly	ADV
fsr-3888	74	13	have	have	VERB
fsr-3888	74	14	less	less	ADJ
fsr-3888	74	15	wealth	wealth	NOUN
fsr-3888	74	16	over	over	ADP
fsr-3888	74	17	the	the	DET
fsr-3888	74	18	long	long	ADJ
fsr-3888	74	19	run	run	NOUN
fsr-3888	74	20	,	,	PUNCT
fsr-3888	74	21	because	because	SCONJ
fsr-3888	74	22	the	the	DET
fsr-3888	74	23	long	long	ADJ
fsr-3888	74	24	term	term	NOUN
fsr-3888	74	25	return	return	NOUN
fsr-3888	74	26	on	on	ADP
fsr-3888	74	27	common	common	ADJ
fsr-3888	74	28	stock	stock	NOUN
fsr-3888	74	29	investments	investment	NOUN
fsr-3888	74	30	are	be	AUX
fsr-3888	74	31	higher	high	ADJ
fsr-3888	74	32	than	than	ADP
fsr-3888	74	33	the	the	DET
fsr-3888	74	34	long	long	ADJ
fsr-3888	74	35	term	term	NOUN
fsr-3888	74	36	return	return	NOUN
fsr-3888	74	37	on	on	ADP
fsr-3888	74	38	less	less	ADV
fsr-3888	74	39	volatile	volatile	ADJ
fsr-3888	74	40	investment	investment	NOUN
fsr-3888	74	41	opportunities	opportunity	NOUN
fsr-3888	74	42	.	.	PUNCT
fsr-3888	75	1	cultural	cultural	ADJ
fsr-3888	75	2	influences	influence	NOUN
fsr-3888	75	3	associated	associate	VERB
fsr-3888	75	4	with	with	ADP
fsr-3888	75	5	race	race	NOUN
fsr-3888	75	6	,	,	PUNCT
fsr-3888	75	7	gender	gender	NOUN
fsr-3888	75	8	or	or	CCONJ
fsr-3888	75	9	life	life	NOUN
fsr-3888	75	10	-	-	PUNCT
fsr-3888	75	11	cycle	cycle	NOUN
fsr-3888	75	12	stage	stage	NOUN
fsr-3888	75	13	may	may	AUX
fsr-3888	75	14	also	also	ADV
fsr-3888	75	15	influence	influence	VERB
fsr-3888	75	16	portfolio	portfolio	NOUN
fsr-3888	75	17	decisions	decision	NOUN
fsr-3888	75	18	after	after	ADP
fsr-3888	75	19	controlling	control	VERB
fsr-3888	75	20	for	for	ADP
fsr-3888	75	21	economic	economic	ADJ
fsr-3888	75	22	characteristics	characteristic	NOUN
fsr-3888	75	23	(	(	PUNCT
fsr-3888	75	24	haliassos	haliassos	NOUN
fsr-3888	75	25	and	and	CCONJ
fsr-3888	75	26	bertaut	bertaut	PROPN
fsr-3888	75	27	1995	1995	NUM
fsr-3888	75	28	;	;	PUNCT
fsr-3888	75	29	bajtelsmit	bajtelsmit	NOUN
fsr-3888	75	30	,	,	PUNCT
fsr-3888	75	31	bernasek	bernasek	VERB
fsr-3888	75	32	,	,	PUNCT
fsr-3888	75	33	and	and	CCONJ
fsr-3888	75	34	jianakoplos	jianakoplo	NOUN
fsr-3888	75	35	1999	1999	NUM
fsr-3888	75	36	)	)	PUNCT
fsr-3888	75	37	.	.	PUNCT
fsr-3888	76	1	this	this	DET
fsr-3888	76	2	market	market	NOUN
fsr-3888	76	3	imperfection	imperfection	NOUN
fsr-3888	76	4	or	or	CCONJ
fsr-3888	76	5	friction	friction	NOUN
fsr-3888	76	6	caused	cause	VERB
fsr-3888	76	7	by	by	ADP
fsr-3888	76	8	inertial	inertial	ADJ
fsr-3888	76	9	factors	factor	NOUN
fsr-3888	76	10	is	be	AUX
fsr-3888	76	11	usually	usually	ADV
fsr-3888	76	12	ignored	ignore	VERB
fsr-3888	76	13	in	in	ADP
fsr-3888	76	14	most	most	ADJ
fsr-3888	76	15	portfolio	portfolio	NOUN
fsr-3888	76	16	selection	selection	NOUN
fsr-3888	76	17	models	model	NOUN
fsr-3888	76	18	.	.	PUNCT
fsr-3888	77	1	a	a	DET
fsr-3888	77	2	cultural	cultural	ADJ
fsr-3888	77	3	fear	fear	NOUN
fsr-3888	77	4	of	of	ADP
fsr-3888	77	5	being	be	AUX
fsr-3888	77	6	in	in	ADP
fsr-3888	77	7	debt	debt	NOUN
fsr-3888	77	8	may	may	AUX
fsr-3888	77	9	inhibit	inhibit	VERB
fsr-3888	77	10	certain	certain	ADJ
fsr-3888	77	11	population	population	NOUN
fsr-3888	77	12	groups	group	NOUN
fsr-3888	77	13	from	from	ADP
fsr-3888	77	14	seeking	seek	VERB
fsr-3888	77	15	and	and	CCONJ
fsr-3888	77	16	accepting	accept	VERB
fsr-3888	77	17	a	a	DET
fsr-3888	77	18	mortgage	mortgage	NOUN
fsr-3888	77	19	contract	contract	NOUN
fsr-3888	77	20	or	or	CCONJ
fsr-3888	77	21	undertaking	undertake	VERB
fsr-3888	77	22	student	student	NOUN
fsr-3888	77	23	loans	loan	NOUN
fsr-3888	77	24	.	.	PUNCT
fsr-3888	78	1	the	the	DET
fsr-3888	78	2	acquisition	acquisition	NOUN
fsr-3888	78	3	costs	cost	NOUN
fsr-3888	78	4	of	of	ADP
fsr-3888	78	5	information	information	NOUN
fsr-3888	78	6	(	(	PUNCT
fsr-3888	78	7	in	in	ADP
fsr-3888	78	8	both	both	CCONJ
fsr-3888	78	9	monetary	monetary	ADJ
fsr-3888	78	10	and	and	CCONJ
fsr-3888	78	11	temporal	temporal	ADJ
fsr-3888	78	12	terms	term	NOUN
fsr-3888	78	13	)	)	PUNCT
fsr-3888	78	14	for	for	ADP
fsr-3888	78	15	certain	certain	ADJ
fsr-3888	78	16	types	type	NOUN
fsr-3888	78	17	of	of	ADP
fsr-3888	78	18	investment	investment	NOUN
fsr-3888	78	19	opportunities	opportunity	NOUN
fsr-3888	78	20	may	may	AUX
fsr-3888	78	21	preclude	preclude	VERB
fsr-3888	78	22	portions	portion	NOUN
fsr-3888	78	23	of	of	ADP
fsr-3888	78	24	the	the	DET
fsr-3888	78	25	population	population	NOUN
fsr-3888	78	26	from	from	ADP
fsr-3888	78	27	considering	consider	VERB
fsr-3888	78	28	them	they	PRON
fsr-3888	78	29	.	.	PUNCT
fsr-3888	79	1	tendencies	tendency	NOUN
fsr-3888	79	2	toward	toward	ADP
fsr-3888	79	3	more	more	ADV
fsr-3888	79	4	visceral	visceral	ADJ
fsr-3888	79	5	based	base	VERB
fsr-3888	79	6	investments	investment	NOUN
fsr-3888	79	7	,	,	PUNCT
fsr-3888	79	8	that	that	ADV
fsr-3888	79	9	is	is	ADV
fsr-3888	79	10	,	,	PUNCT
fsr-3888	79	11	property	property	NOUN
fsr-3888	79	12	,	,	PUNCT
fsr-3888	79	13	and	and	CCONJ
fsr-3888	79	14	avoidance	avoidance	NOUN
fsr-3888	79	15	of	of	ADP
fsr-3888	79	16	financial	financial	ADJ
fsr-3888	79	17	investments	investment	NOUN
fsr-3888	79	18	are	be	AUX
fsr-3888	79	19	explained	explain	VERB
fsr-3888	79	20	by	by	ADP
fsr-3888	79	21	inertia	inertia	NOUN
fsr-3888	79	22	as	as	ADV
fsr-3888	79	23	well	well	ADV
fsr-3888	79	24	.	.	PUNCT
fsr-3888	80	1	blau	blau	PROPN
fsr-3888	80	2	and	and	CCONJ
fsr-3888	80	3	graham	graham	PROPN
fsr-3888	80	4	(	(	PUNCT
fsr-3888	80	5	1990	1990	NUM
fsr-3888	80	6	)	)	PUNCT
fsr-3888	80	7	infer	infer	VERB
fsr-3888	80	8	that	that	SCONJ
fsr-3888	80	9	a	a	DET
fsr-3888	80	10	significant	significant	ADJ
fsr-3888	80	11	wealth	wealth	NOUN
fsr-3888	80	12	gap	gap	NOUN
fsr-3888	80	13	remains	remain	VERB
fsr-3888	80	14	between	between	ADP
fsr-3888	80	15	households	household	NOUN
fsr-3888	80	16	headed	head	VERB
fsr-3888	80	17	by	by	ADP
fsr-3888	80	18	whites	white	NOUN
fsr-3888	80	19	and	and	CCONJ
fsr-3888	80	20	blacks	black	NOUN
fsr-3888	80	21	due	due	ADJ
fsr-3888	80	22	to	to	ADP
fsr-3888	80	23	constraints	constraint	NOUN
fsr-3888	80	24	placed	place	VERB
fsr-3888	80	25	on	on	ADP
fsr-3888	80	26	the	the	DET
fsr-3888	80	27	equity	equity	NOUN
fsr-3888	80	28	accumulation	accumulation	NOUN
fsr-3888	80	29	of	of	ADP
fsr-3888	80	30	black	black	ADJ
fsr-3888	80	31	households	household	NOUN
fsr-3888	80	32	.	.	PUNCT
fsr-3888	81	1	if	if	SCONJ
fsr-3888	81	2	differences	difference	NOUN
fsr-3888	81	3	in	in	ADP
fsr-3888	81	4	net	net	ADJ
fsr-3888	81	5	worth	worth	NOUN
fsr-3888	81	6	and	and	CCONJ
fsr-3888	81	7	the	the	DET
fsr-3888	81	8	constraints	constraint	NOUN
fsr-3888	81	9	faced	face	VERB
fsr-3888	81	10	by	by	ADP
fsr-3888	81	11	households	household	NOUN
fsr-3888	81	12	exist	exist	VERB
fsr-3888	81	13	,	,	PUNCT
fsr-3888	81	14	blacks	black	NOUN
fsr-3888	81	15	and	and	CCONJ
fsr-3888	81	16	whites	white	NOUN
fsr-3888	81	17	will	will	AUX
fsr-3888	81	18	tend	tend	VERB
fsr-3888	81	19	to	to	PART
fsr-3888	81	20	make	make	VERB
fsr-3888	81	21	significantly	significantly	ADV
fsr-3888	81	22	different	different	ADJ
fsr-3888	81	23	financial	financial	ADJ
fsr-3888	81	24	decisions	decision	NOUN
fsr-3888	81	25	.	.	PUNCT
fsr-3888	82	1	in	in	ADP
fsr-3888	82	2	this	this	DET
fsr-3888	82	3	scenario	scenario	NOUN
fsr-3888	82	4	each	each	DET
fsr-3888	82	5	household	household	NOUN
fsr-3888	82	6	uses	use	VERB
fsr-3888	82	7	different	different	ADJ
fsr-3888	82	8	sources	source	NOUN
fsr-3888	82	9	of	of	ADP
fsr-3888	82	10	costly	costly	ADJ
fsr-3888	82	11	information	information	NOUN
fsr-3888	82	12	and	and	CCONJ
fsr-3888	82	13	processes	process	VERB
fsr-3888	82	14	this	this	DET
fsr-3888	82	15	information	information	NOUN
fsr-3888	82	16	against	against	ADP
fsr-3888	82	17	different	different	ADJ
fsr-3888	82	18	financial	financial	ADJ
fsr-3888	82	19	constraints	constraint	NOUN
fsr-3888	82	20	.	.	PUNCT
fsr-3888	83	1	this	this	PRON
fsr-3888	83	2	may	may	AUX
fsr-3888	83	3	cause	cause	VERB
fsr-3888	83	4	the	the	DET
fsr-3888	83	5	availability	availability	NOUN
fsr-3888	83	6	of	of	ADP
fsr-3888	83	7	particular	particular	ADJ
fsr-3888	83	8	assets	asset	NOUN
fsr-3888	83	9	and	and	CCONJ
fsr-3888	83	10	liability	liability	NOUN
fsr-3888	83	11	combinations	combination	NOUN
fsr-3888	83	12	to	to	PART
fsr-3888	83	13	be	be	AUX
fsr-3888	83	14	correlated	correlate	VERB
fsr-3888	83	15	with	with	ADP
fsr-3888	83	16	the	the	DET
fsr-3888	83	17	race	race	NOUN
fsr-3888	83	18	of	of	ADP
fsr-3888	83	19	the	the	DET
fsr-3888	83	20	household	household	NOUN
fsr-3888	83	21	.	.	PUNCT
fsr-3888	84	1	for	for	ADP
fsr-3888	84	2	example	example	NOUN
fsr-3888	84	3	,	,	PUNCT
fsr-3888	84	4	as	as	SCONJ
fsr-3888	84	5	found	find	VERB
fsr-3888	84	6	in	in	ADP
fsr-3888	84	7	brimmer	brimmer	NOUN
fsr-3888	84	8	(	(	PUNCT
fsr-3888	84	9	1991	1991	NUM
fsr-3888	84	10	)	)	PUNCT
fsr-3888	84	11	,	,	PUNCT
fsr-3888	84	12	black	black	ADJ
fsr-3888	84	13	households	household	NOUN
fsr-3888	84	14	tend	tend	VERB
fsr-3888	84	15	to	to	PART
fsr-3888	84	16	prefer	prefer	VERB
fsr-3888	84	17	liquidity	liquidity	NOUN
fsr-3888	84	18	and	and	CCONJ
fsr-3888	84	19	tend	tend	VERB
fsr-3888	84	20	to	to	PART
fsr-3888	84	21	concentrate	concentrate	VERB
fsr-3888	84	22	in	in	ADP
fsr-3888	84	23	investment	investment	NOUN
fsr-3888	84	24	property	property	NOUN
fsr-3888	84	25	,	,	PUNCT
fsr-3888	84	26	whereas	whereas	SCONJ
fsr-3888	84	27	white	white	ADJ
fsr-3888	84	28	households	household	NOUN
fsr-3888	84	29	tend	tend	VERB
fsr-3888	84	30	to	to	PART
fsr-3888	84	31	prefer	prefer	VERB
fsr-3888	84	32	financial	financial	ADJ
fsr-3888	84	33	assets	asset	NOUN
fsr-3888	84	34	and	and	CCONJ
fsr-3888	84	35	concentrate	concentrate	VERB
fsr-3888	84	36	in	in	ADP
fsr-3888	84	37	single	single	ADJ
fsr-3888	84	38	family	family	NOUN
fsr-3888	84	39	dwellings	dwelling	NOUN
fsr-3888	84	40	.	.	PUNCT
fsr-3888	85	1	132	132	NUM
fsr-3888	85	2	y.a	y.a	PROPN
fsr-3888	85	3	.	.	PROPN
fsr-3888	85	4	badu	badu	PROPN
fsr-3888	85	5	et	et	PROPN
fsr-3888	85	6	al	al	PROPN
fsr-3888	85	7	.	.	PUNCT
fsr-3888	85	8	/	/	SYM
fsr-3888	85	9	financial	financial	ADJ
fsr-3888	85	10	services	service	NOUN
fsr-3888	85	11	review	review	VERB
fsr-3888	85	12	8	8	NUM
fsr-3888	85	13	(	(	PUNCT
fsr-3888	85	14	1999	1999	NUM
fsr-3888	85	15	)	)	PUNCT
fsr-3888	86	1	129–147	129–147	NUM
fsr-3888	86	2	3	3	NUM
fsr-3888	86	3	.	.	PUNCT
fsr-3888	86	4	data	datum	NOUN
fsr-3888	86	5	and	and	CCONJ
fsr-3888	86	6	methodologies	methodology	NOUN
fsr-3888	86	7	the	the	DET
fsr-3888	86	8	source	source	NOUN
fsr-3888	86	9	of	of	ADP
fsr-3888	86	10	data	datum	NOUN
fsr-3888	86	11	for	for	ADP
fsr-3888	86	12	the	the	DET
fsr-3888	86	13	current	current	ADJ
fsr-3888	86	14	study	study	NOUN
fsr-3888	86	15	is	be	AUX
fsr-3888	86	16	the	the	DET
fsr-3888	86	17	1992	1992	NUM
fsr-3888	86	18	survey	survey	NOUN
fsr-3888	86	19	of	of	ADP
fsr-3888	86	20	consumer	consumer	NOUN
fsr-3888	86	21	finances	finance	NOUN
fsr-3888	86	22	(	(	PUNCT
fsr-3888	86	23	scf	scf	PROPN
fsr-3888	86	24	)	)	PUNCT
fsr-3888	86	25	.	.	PUNCT
fsr-3888	87	1	the	the	DET
fsr-3888	87	2	scf	scf	PROPN
fsr-3888	87	3	database	database	NOUN
fsr-3888	87	4	is	be	AUX
fsr-3888	87	5	a	a	DET
fsr-3888	87	6	comprehensive	comprehensive	ADJ
fsr-3888	87	7	survey	survey	NOUN
fsr-3888	87	8	investigating	investigate	VERB
fsr-3888	87	9	household	household	NOUN
fsr-3888	87	10	demographics	demographic	NOUN
fsr-3888	87	11	and	and	CCONJ
fsr-3888	87	12	financial	financial	ADJ
fsr-3888	87	13	information	information	NOUN
fsr-3888	87	14	.	.	PUNCT
fsr-3888	88	1	the	the	DET
fsr-3888	88	2	results	result	NOUN
fsr-3888	88	3	of	of	ADP
fsr-3888	88	4	this	this	DET
fsr-3888	88	5	survey	survey	NOUN
fsr-3888	88	6	provide	provide	VERB
fsr-3888	88	7	a	a	DET
fsr-3888	88	8	unique	unique	ADJ
fsr-3888	88	9	opportunity	opportunity	NOUN
fsr-3888	88	10	for	for	ADP
fsr-3888	88	11	an	an	DET
fsr-3888	88	12	in	in	ADP
fsr-3888	88	13	depth	depth	NOUN
fsr-3888	88	14	analysis	analysis	NOUN
fsr-3888	88	15	of	of	ADP
fsr-3888	88	16	contemporary	contemporary	ADJ
fsr-3888	88	17	household	household	NOUN
fsr-3888	88	18	portfolio	portfolio	NOUN
fsr-3888	88	19	selection	selection	NOUN
fsr-3888	88	20	practices	practice	NOUN
fsr-3888	88	21	of	of	ADP
fsr-3888	88	22	a	a	DET
fsr-3888	88	23	large	large	ADJ
fsr-3888	88	24	cross	cross	NOUN
fsr-3888	88	25	-	-	NOUN
fsr-3888	88	26	section	section	NOUN
fsr-3888	88	27	of	of	ADP
fsr-3888	88	28	consumers	consumer	NOUN
fsr-3888	88	29	(	(	PUNCT
fsr-3888	88	30	households	household	NOUN
fsr-3888	88	31	)	)	PUNCT
fsr-3888	88	32	.	.	PUNCT
fsr-3888	89	1	along	along	ADP
fsr-3888	89	2	with	with	ADP
fsr-3888	89	3	the	the	DET
fsr-3888	89	4	2	2	NUM
fsr-3888	89	5	,	,	PUNCT
fsr-3888	89	6	456	456	NUM
fsr-3888	89	7	households	household	NOUN
fsr-3888	89	8	selected	select	VERB
fsr-3888	89	9	by	by	ADP
fsr-3888	89	10	standard	standard	ADJ
fsr-3888	89	11	methods	method	NOUN
fsr-3888	89	12	to	to	PART
fsr-3888	89	13	achieve	achieve	VERB
fsr-3888	89	14	a	a	DET
fsr-3888	89	15	sample	sample	NOUN
fsr-3888	89	16	including	include	VERB
fsr-3888	89	17	responses	response	NOUN
fsr-3888	89	18	from	from	ADP
fsr-3888	89	19	all	all	DET
fsr-3888	89	20	48	48	NUM
fsr-3888	89	21	contiguous	contiguous	ADJ
fsr-3888	89	22	states	state	NOUN
fsr-3888	89	23	,	,	PUNCT
fsr-3888	89	24	1	1	NUM
fsr-3888	89	25	,	,	PUNCT
fsr-3888	89	26	450	450	NUM
fsr-3888	89	27	households	household	NOUN
fsr-3888	89	28	were	be	AUX
fsr-3888	89	29	“	"	PUNCT
fsr-3888	89	30	oversampled	oversample	VERB
fsr-3888	89	31	”	"	PUNCT
fsr-3888	89	32	(	(	PUNCT
fsr-3888	89	33	added	add	VERB
fsr-3888	89	34	)	)	PUNCT
fsr-3888	89	35	from	from	ADP
fsr-3888	89	36	tax	tax	NOUN
fsr-3888	89	37	data	datum	NOUN
fsr-3888	89	38	to	to	PART
fsr-3888	89	39	insure	insure	VERB
fsr-3888	89	40	a	a	DET
fsr-3888	89	41	representative	representative	ADJ
fsr-3888	89	42	income	income	NOUN
fsr-3888	89	43	distribution	distribution	NOUN
fsr-3888	89	44	.	.	PUNCT
fsr-3888	90	1	the	the	DET
fsr-3888	90	2	resulting	result	VERB
fsr-3888	90	3	sample	sample	NOUN
fsr-3888	90	4	of	of	ADP
fsr-3888	90	5	3	3	NUM
fsr-3888	90	6	,	,	PUNCT
fsr-3888	90	7	906	906	NUM
fsr-3888	90	8	respondents	respondent	NOUN
fsr-3888	90	9	thus	thus	ADV
fsr-3888	90	10	reduced	reduce	VERB
fsr-3888	90	11	the	the	DET
fsr-3888	90	12	skewed	skewed	ADJ
fsr-3888	90	13	distribution	distribution	NOUN
fsr-3888	90	14	of	of	ADP
fsr-3888	90	15	having	have	VERB
fsr-3888	90	16	only	only	ADV
fsr-3888	90	17	a	a	DET
fsr-3888	90	18	few	few	ADJ
fsr-3888	90	19	wealthy	wealthy	ADJ
fsr-3888	90	20	families	family	NOUN
fsr-3888	90	21	with	with	ADP
fsr-3888	90	22	a	a	DET
fsr-3888	90	23	‘	'	PUNCT
fsr-3888	90	24	disproportionately	disproportionately	ADV
fsr-3888	90	25	large	large	ADJ
fsr-3888	90	26	share	share	NOUN
fsr-3888	90	27	of	of	ADP
fsr-3888	90	28	income	income	NOUN
fsr-3888	90	29	and	and	CCONJ
fsr-3888	90	30	wealth	wealth	NOUN
fsr-3888	90	31	’	'	PUNCT
fsr-3888	90	32	in	in	ADP
fsr-3888	90	33	the	the	DET
fsr-3888	90	34	first	first	ADJ
fsr-3888	90	35	group	group	NOUN
fsr-3888	90	36	of	of	ADP
fsr-3888	90	37	2	2	NUM
fsr-3888	90	38	,	,	PUNCT
fsr-3888	90	39	456	456	NUM
fsr-3888	90	40	.	.	PUNCT
fsr-3888	91	1	also	also	ADV
fsr-3888	91	2	,	,	PUNCT
fsr-3888	91	3	nonresponse	nonresponse	NOUN
fsr-3888	91	4	errors	error	NOUN
fsr-3888	91	5	arising	arise	VERB
fsr-3888	91	6	from	from	ADP
fsr-3888	91	7	some	some	DET
fsr-3888	91	8	interviewees	interviewee	NOUN
fsr-3888	91	9	’	'	PUNCT
fsr-3888	91	10	failure	failure	NOUN
fsr-3888	91	11	to	to	PART
fsr-3888	91	12	answer	answer	VERB
fsr-3888	91	13	specific	specific	ADJ
fsr-3888	91	14	questions	question	NOUN
fsr-3888	91	15	were	be	AUX
fsr-3888	91	16	imputed	impute	VERB
fsr-3888	91	17	.	.	PUNCT
fsr-3888	92	1	the	the	DET
fsr-3888	92	2	imputation	imputation	NOUN
fsr-3888	92	3	process	process	NOUN
fsr-3888	92	4	increased	increase	VERB
fsr-3888	92	5	the	the	DET
fsr-3888	92	6	number	number	NOUN
fsr-3888	92	7	of	of	ADP
fsr-3888	92	8	observations	observation	NOUN
fsr-3888	92	9	to	to	ADP
fsr-3888	92	10	19	19	NUM
fsr-3888	92	11	,	,	PUNCT
fsr-3888	92	12	530	530	NUM
fsr-3888	92	13	.	.	PUNCT
fsr-3888	93	1	we	we	PRON
fsr-3888	93	2	reduced	reduce	VERB
fsr-3888	93	3	this	this	DET
fsr-3888	93	4	total	total	ADJ
fsr-3888	93	5	amount	amount	NOUN
fsr-3888	93	6	to	to	ADP
fsr-3888	93	7	17	17	NUM
fsr-3888	93	8	,	,	PUNCT
fsr-3888	93	9	528	528	NUM
fsr-3888	93	10	observations	observation	NOUN
fsr-3888	93	11	after	after	ADP
fsr-3888	93	12	eliminating	eliminate	VERB
fsr-3888	93	13	all	all	DET
fsr-3888	93	14	households	household	NOUN
fsr-3888	93	15	whose	whose	DET
fsr-3888	93	16	head	head	NOUN
fsr-3888	93	17	is	be	AUX
fsr-3888	93	18	neither	neither	CCONJ
fsr-3888	93	19	white	white	ADJ
fsr-3888	93	20	or	or	CCONJ
fsr-3888	93	21	black	black	ADJ
fsr-3888	93	22	.	.	PUNCT
fsr-3888	94	1	the	the	DET
fsr-3888	94	2	data	datum	NOUN
fsr-3888	94	3	set	set	VERB
fsr-3888	94	4	provides	provide	VERB
fsr-3888	94	5	a	a	DET
fsr-3888	94	6	vast	vast	ADJ
fsr-3888	94	7	array	array	NOUN
fsr-3888	94	8	of	of	ADP
fsr-3888	94	9	household	household	NOUN
fsr-3888	94	10	balance	balance	NOUN
fsr-3888	94	11	sheet	sheet	NOUN
fsr-3888	94	12	items	item	NOUN
fsr-3888	94	13	for	for	ADP
fsr-3888	94	14	the	the	DET
fsr-3888	94	15	respondents	respondent	NOUN
fsr-3888	94	16	(	(	PUNCT
fsr-3888	94	17	survey	survey	NOUN
fsr-3888	94	18	of	of	ADP
fsr-3888	94	19	consumer	consumer	NOUN
fsr-3888	94	20	finances	finance	NOUN
fsr-3888	94	21	1992	1992	NUM
fsr-3888	94	22	manual	manual	NOUN
fsr-3888	94	23	)	)	PUNCT
fsr-3888	94	24	.	.	PUNCT
fsr-3888	95	1	descriptive	descriptive	ADJ
fsr-3888	95	2	statistics	statistic	NOUN
fsr-3888	95	3	are	be	AUX
fsr-3888	95	4	examined	examine	VERB
fsr-3888	95	5	for	for	ADP
fsr-3888	95	6	statistically	statistically	ADV
fsr-3888	95	7	significant	significant	ADJ
fsr-3888	95	8	differences	difference	NOUN
fsr-3888	95	9	between	between	ADP
fsr-3888	95	10	mean	mean	ADJ
fsr-3888	95	11	and	and	CCONJ
fsr-3888	95	12	median	median	ADJ
fsr-3888	95	13	values	value	NOUN
fsr-3888	95	14	across	across	ADP
fsr-3888	95	15	groups	group	NOUN
fsr-3888	95	16	to	to	PART
fsr-3888	95	17	determine	determine	VERB
fsr-3888	95	18	if	if	SCONJ
fsr-3888	95	19	differences	difference	NOUN
fsr-3888	95	20	exist	exist	VERB
fsr-3888	95	21	between	between	ADP
fsr-3888	95	22	the	the	DET
fsr-3888	95	23	races	race	NOUN
fsr-3888	95	24	in	in	ADP
fsr-3888	95	25	net	net	ADJ
fsr-3888	95	26	worth	worth	NOUN
fsr-3888	95	27	and	and	CCONJ
fsr-3888	95	28	components	component	NOUN
fsr-3888	95	29	of	of	ADP
fsr-3888	95	30	net	net	ADJ
fsr-3888	95	31	worth	worth	NOUN
fsr-3888	95	32	.	.	PUNCT
fsr-3888	96	1	in	in	ADP
fsr-3888	96	2	addition	addition	NOUN
fsr-3888	96	3	,	,	PUNCT
fsr-3888	96	4	net	net	ADJ
fsr-3888	96	5	worth	worth	NOUN
fsr-3888	96	6	and	and	CCONJ
fsr-3888	96	7	income	income	NOUN
fsr-3888	96	8	distributions	distribution	NOUN
fsr-3888	96	9	are	be	AUX
fsr-3888	96	10	examined	examine	VERB
fsr-3888	96	11	across	across	ADP
fsr-3888	96	12	quartiles	quartile	NOUN
fsr-3888	96	13	for	for	ADP
fsr-3888	96	14	each	each	DET
fsr-3888	96	15	income	income	NOUN
fsr-3888	96	16	group	group	NOUN
fsr-3888	96	17	.	.	PUNCT
fsr-3888	97	1	we	we	PRON
fsr-3888	97	2	incorporate	incorporate	VERB
fsr-3888	97	3	techniques	technique	NOUN
fsr-3888	97	4	similar	similar	ADJ
fsr-3888	97	5	to	to	ADP
fsr-3888	97	6	wang	wang	PROPN
fsr-3888	97	7	(	(	PUNCT
fsr-3888	97	8	1995	1995	NUM
fsr-3888	97	9	)	)	PUNCT
fsr-3888	97	10	in	in	ADP
fsr-3888	97	11	our	our	PRON
fsr-3888	97	12	investigation	investigation	NOUN
fsr-3888	97	13	of	of	ADP
fsr-3888	97	14	differences	difference	NOUN
fsr-3888	97	15	in	in	ADP
fsr-3888	97	16	income	income	NOUN
fsr-3888	97	17	and	and	CCONJ
fsr-3888	97	18	net	net	ADJ
fsr-3888	97	19	worth	worth	NOUN
fsr-3888	97	20	across	across	ADP
fsr-3888	97	21	the	the	DET
fsr-3888	97	22	races	race	NOUN
fsr-3888	97	23	.	.	PUNCT
fsr-3888	98	1	first	first	ADV
fsr-3888	98	2	,	,	PUNCT
fsr-3888	98	3	the	the	DET
fsr-3888	98	4	log	log	NOUN
fsr-3888	98	5	of	of	ADP
fsr-3888	98	6	actual	actual	ADJ
fsr-3888	98	7	income	income	NOUN
fsr-3888	98	8	is	be	AUX
fsr-3888	98	9	regressed	regress	VERB
fsr-3888	98	10	on	on	ADP
fsr-3888	98	11	a	a	DET
fsr-3888	98	12	set	set	NOUN
fsr-3888	98	13	of	of	ADP
fsr-3888	98	14	demographic	demographic	ADJ
fsr-3888	98	15	variables	variable	NOUN
fsr-3888	98	16	using	use	VERB
fsr-3888	98	17	eq	eq	ADP
fsr-3888	98	18	.	.	PUNCT
fsr-3888	99	1	(	(	PUNCT
fsr-3888	99	2	1	1	NUM
fsr-3888	99	3	)	)	PUNCT
fsr-3888	99	4	.	.	PUNCT
fsr-3888	100	1	next	next	ADV
fsr-3888	100	2	,	,	PUNCT
fsr-3888	100	3	expected	expect	VERB
fsr-3888	100	4	income	income	NOUN
fsr-3888	100	5	is	be	AUX
fsr-3888	100	6	estimated	estimate	VERB
fsr-3888	100	7	as	as	ADP
fsr-3888	100	8	an	an	DET
fsr-3888	100	9	instrumental	instrumental	ADJ
fsr-3888	100	10	variable	variable	NOUN
fsr-3888	100	11	.	.	PUNCT
fsr-3888	101	1	ln	ln	ADJ
fsr-3888	101	2	~	~	NOUN
fsr-3888	101	3	inct	inct	NOUN
fsr-3888	101	4	!	!	PUNCT
fsr-3888	102	1	5	5	NUM
fsr-3888	102	2	b1	b1	NOUN
fsr-3888	102	3	1	1	NUM
fsr-3888	102	4	b2~	b2~	NOUN
fsr-3888	102	5	age	age	NOUN
fsr-3888	102	6	!	!	PUNCT
fsr-3888	102	7	1	1	NUM
fsr-3888	102	8	b3~	b3~	NOUN
fsr-3888	102	9	age!2	age!2	NOUN
fsr-3888	102	10	1	1	NUM
fsr-3888	102	11	b4	b4	NOUN
fsr-3888	102	12	~	~	SYM
fsr-3888	102	13	educ	educ	X
fsr-3888	102	14	!	!	PUNCT
fsr-3888	103	1	1	1	NUM
fsr-3888	103	2	b5	b5	PROPN
fsr-3888	103	3	~	~	SYM
fsr-3888	103	4	semploy	semploy	NOUN
fsr-3888	103	5	!	!	PUNCT
fsr-3888	103	6	1	1	NUM
fsr-3888	103	7	b6	b6	NOUN
fsr-3888	103	8	~	~	NOUN
fsr-3888	103	9	race	race	NOUN
fsr-3888	103	10	!	!	PUNCT
fsr-3888	104	1	1	1	NUM
fsr-3888	104	2	b1	b1	NOUN
fsr-3888	104	3	~	~	SYM
fsr-3888	104	4	marital	marital	ADJ
fsr-3888	104	5	!	!	PUNCT
fsr-3888	104	6	1	1	NUM
fsr-3888	104	7	b8	b8	PROPN
fsr-3888	104	8	~	~	NOUN
fsr-3888	104	9	sex	sex	NOUN
fsr-3888	104	10	!	!	NOUN
fsr-3888	104	11	1	1	NUM
fsr-3888	104	12	b9	b9	PROPN
fsr-3888	104	13	~	~	NOUN
fsr-3888	104	14	work	work	NOUN
fsr-3888	104	15	!	!	PUNCT
fsr-3888	105	1	1	1	NUM
fsr-3888	105	2	b10	b10	PROPN
fsr-3888	105	3	~	~	SYM
fsr-3888	105	4	children	child	NOUN
fsr-3888	105	5	!	!	PUNCT
fsr-3888	106	1	1	1	NUM
fsr-3888	106	2	b11	b11	PROPN
fsr-3888	106	3	~	~	NOUN
fsr-3888	106	4	health	health	NOUN
fsr-3888	106	5	!	!	NOUN
fsr-3888	106	6	1	1	NUM
fsr-3888	106	7	b12	b12	NOUN
fsr-3888	106	8	~	~	NOUN
fsr-3888	106	9	pension	pension	NOUN
fsr-3888	106	10	!	!	PUNCT
fsr-3888	107	1	1	1	NUM
fsr-3888	107	2	nt	not	PART
fsr-3888	107	3	(	(	PUNCT
fsr-3888	107	4	1	1	X
fsr-3888	107	5	)	)	PUNCT
fsr-3888	107	6	where	where	SCONJ
fsr-3888	107	7	inct	inct	NOUN
fsr-3888	107	8	,	,	PUNCT
fsr-3888	107	9	is	be	AUX
fsr-3888	107	10	actual	actual	ADJ
fsr-3888	107	11	income	income	NOUN
fsr-3888	107	12	,	,	PUNCT
fsr-3888	107	13	equal	equal	ADJ
fsr-3888	107	14	to	to	ADP
fsr-3888	107	15	the	the	DET
fsr-3888	107	16	observed	observed	ADJ
fsr-3888	107	17	annual	annual	ADJ
fsr-3888	107	18	income	income	NOUN
fsr-3888	107	19	of	of	ADP
fsr-3888	107	20	all	all	DET
fsr-3888	107	21	household	household	NOUN
fsr-3888	107	22	members	member	NOUN
fsr-3888	107	23	from	from	ADP
fsr-3888	107	24	all	all	DET
fsr-3888	107	25	sources	source	NOUN
fsr-3888	107	26	.	.	PUNCT
fsr-3888	108	1	age	age	NOUN
fsr-3888	108	2	is	be	AUX
fsr-3888	108	3	the	the	DET
fsr-3888	108	4	age	age	NOUN
fsr-3888	108	5	of	of	ADP
fsr-3888	108	6	the	the	DET
fsr-3888	108	7	head	head	NOUN
fsr-3888	108	8	of	of	ADP
fsr-3888	108	9	households	household	NOUN
fsr-3888	108	10	rounded	round	VERB
fsr-3888	108	11	to	to	ADP
fsr-3888	108	12	the	the	DET
fsr-3888	108	13	nearest	near	ADJ
fsr-3888	108	14	year	year	NOUN
fsr-3888	108	15	,	,	PUNCT
fsr-3888	108	16	educ	educ	PROPN
fsr-3888	108	17	is	be	AUX
fsr-3888	108	18	a	a	DET
fsr-3888	108	19	dummy	dummy	ADJ
fsr-3888	108	20	variable	variable	NOUN
fsr-3888	108	21	equal	equal	ADJ
fsr-3888	108	22	to	to	ADP
fsr-3888	108	23	one	one	NUM
fsr-3888	108	24	if	if	SCONJ
fsr-3888	108	25	the	the	DET
fsr-3888	108	26	education	education	NOUN
fsr-3888	108	27	level	level	NOUN
fsr-3888	108	28	is	be	AUX
fsr-3888	108	29	equal	equal	ADJ
fsr-3888	108	30	to	to	ADP
fsr-3888	108	31	twelve	twelve	NUM
fsr-3888	108	32	years	year	NOUN
fsr-3888	108	33	or	or	CCONJ
fsr-3888	108	34	more	more	ADJ
fsr-3888	108	35	.	.	PUNCT
fsr-3888	109	1	semploy	semploy	NOUN
fsr-3888	109	2	is	be	AUX
fsr-3888	109	3	a	a	DET
fsr-3888	109	4	dummy	dummy	ADJ
fsr-3888	109	5	variable	variable	NOUN
fsr-3888	109	6	equal	equal	ADJ
fsr-3888	109	7	to	to	ADP
fsr-3888	109	8	one	one	NUM
fsr-3888	109	9	if	if	SCONJ
fsr-3888	109	10	the	the	DET
fsr-3888	109	11	household	household	NOUN
fsr-3888	109	12	head	head	NOUN
fsr-3888	109	13	is	be	AUX
fsr-3888	109	14	self	self	NOUN
fsr-3888	109	15	employed	employ	VERB
fsr-3888	109	16	,	,	PUNCT
fsr-3888	109	17	race	race	NOUN
fsr-3888	109	18	is	be	AUX
fsr-3888	109	19	a	a	DET
fsr-3888	109	20	dummy	dummy	ADJ
fsr-3888	109	21	variable	variable	NOUN
fsr-3888	109	22	equal	equal	ADJ
fsr-3888	109	23	to	to	ADP
fsr-3888	109	24	one	one	NUM
fsr-3888	109	25	if	if	SCONJ
fsr-3888	109	26	the	the	DET
fsr-3888	109	27	head	head	NOUN
fsr-3888	109	28	of	of	ADP
fsr-3888	109	29	household	household	NOUN
fsr-3888	109	30	identifies	identifie	NOUN
fsr-3888	109	31	as	as	ADP
fsr-3888	109	32	white	white	ADJ
fsr-3888	109	33	and	and	CCONJ
fsr-3888	109	34	zero	zero	NUM
fsr-3888	109	35	otherwise	otherwise	ADV
fsr-3888	109	36	.	.	PUNCT
fsr-3888	110	1	marital	marital	ADJ
fsr-3888	110	2	is	be	AUX
fsr-3888	110	3	a	a	DET
fsr-3888	110	4	dummy	dummy	ADJ
fsr-3888	110	5	variable	variable	NOUN
fsr-3888	110	6	equal	equal	ADJ
fsr-3888	110	7	to	to	ADP
fsr-3888	110	8	one	one	NUM
fsr-3888	110	9	if	if	SCONJ
fsr-3888	110	10	the	the	DET
fsr-3888	110	11	respondent	respondent	NOUN
fsr-3888	110	12	identified	identify	VERB
fsr-3888	110	13	as	as	ADP
fsr-3888	110	14	being	be	AUX
fsr-3888	110	15	married	marry	VERB
fsr-3888	110	16	,	,	PUNCT
fsr-3888	110	17	pension	pension	NOUN
fsr-3888	110	18	is	be	AUX
fsr-3888	110	19	a	a	DET
fsr-3888	110	20	dummy	dummy	ADJ
fsr-3888	110	21	variable	variable	NOUN
fsr-3888	110	22	equal	equal	ADJ
fsr-3888	110	23	to	to	ADP
fsr-3888	110	24	one	one	NUM
fsr-3888	110	25	if	if	SCONJ
fsr-3888	110	26	the	the	DET
fsr-3888	110	27	respondent	respondent	NOUN
fsr-3888	110	28	belonged	belong	VERB
fsr-3888	110	29	to	to	ADP
fsr-3888	110	30	a	a	DET
fsr-3888	110	31	pension	pension	NOUN
fsr-3888	110	32	plan	plan	NOUN
fsr-3888	110	33	,	,	PUNCT
fsr-3888	110	34	sex	sex	NOUN
fsr-3888	110	35	is	be	AUX
fsr-3888	110	36	a	a	DET
fsr-3888	110	37	dummy	dummy	ADJ
fsr-3888	110	38	variable	variable	NOUN
fsr-3888	110	39	equal	equal	ADJ
fsr-3888	110	40	to	to	ADP
fsr-3888	110	41	one	one	NUM
fsr-3888	110	42	if	if	SCONJ
fsr-3888	110	43	male	male	NOUN
fsr-3888	110	44	.	.	PUNCT
fsr-3888	111	1	children	child	NOUN
fsr-3888	111	2	is	be	AUX
fsr-3888	111	3	the	the	DET
fsr-3888	111	4	number	number	NOUN
fsr-3888	111	5	of	of	ADP
fsr-3888	111	6	dependent	dependent	ADJ
fsr-3888	111	7	children	child	NOUN
fsr-3888	111	8	the	the	DET
fsr-3888	111	9	respondent	respondent	NOUN
fsr-3888	111	10	identified	identify	VERB
fsr-3888	111	11	,	,	PUNCT
fsr-3888	111	12	health	health	NOUN
fsr-3888	111	13	is	be	AUX
fsr-3888	111	14	a	a	DET
fsr-3888	111	15	dummy	dummy	ADJ
fsr-3888	111	16	variable	variable	NOUN
fsr-3888	111	17	equal	equal	ADJ
fsr-3888	111	18	to	to	ADP
fsr-3888	111	19	one	one	NUM
fsr-3888	111	20	if	if	SCONJ
fsr-3888	111	21	the	the	DET
fsr-3888	111	22	respondent	respondent	NOUN
fsr-3888	111	23	identified	identify	VERB
fsr-3888	111	24	themselves	themselves	PRON
fsr-3888	111	25	as	as	ADP
fsr-3888	111	26	having	have	VERB
fsr-3888	111	27	excellent	excellent	ADJ
fsr-3888	111	28	,	,	PUNCT
fsr-3888	111	29	good	good	ADJ
fsr-3888	111	30	,	,	PUNCT
fsr-3888	111	31	or	or	CCONJ
fsr-3888	111	32	fair	fair	ADJ
fsr-3888	111	33	health	health	NOUN
fsr-3888	111	34	and	and	CCONJ
fsr-3888	111	35	zero	zero	NUM
fsr-3888	111	36	otherwise	otherwise	ADV
fsr-3888	111	37	.	.	PUNCT
fsr-3888	112	1	work	work	NOUN
fsr-3888	112	2	is	be	AUX
fsr-3888	112	3	a	a	DET
fsr-3888	112	4	dummy	dummy	ADJ
fsr-3888	112	5	variable	variable	NOUN
fsr-3888	112	6	equal	equal	ADJ
fsr-3888	112	7	to	to	ADP
fsr-3888	112	8	one	one	NUM
fsr-3888	112	9	if	if	SCONJ
fsr-3888	112	10	the	the	DET
fsr-3888	112	11	head	head	NOUN
fsr-3888	112	12	of	of	ADP
fsr-3888	112	13	household	household	NOUN
fsr-3888	112	14	has	have	VERB
fsr-3888	112	15	five	five	NUM
fsr-3888	112	16	or	or	CCONJ
fsr-3888	112	17	more	more	ADJ
fsr-3888	112	18	years	year	NOUN
fsr-3888	112	19	of	of	ADP
fsr-3888	112	20	work	work	NOUN
fsr-3888	112	21	.	.	PUNCT
fsr-3888	113	1	the	the	DET
fsr-3888	113	2	expected	expect	VERB
fsr-3888	113	3	income	income	NOUN
fsr-3888	113	4	of	of	ADP
fsr-3888	113	5	each	each	DET
fsr-3888	113	6	household	household	NOUN
fsr-3888	113	7	,	,	PUNCT
fsr-3888	113	8	xinc	xinc	PROPN
fsr-3888	113	9	,	,	PUNCT
fsr-3888	113	10	is	be	AUX
fsr-3888	113	11	calculated	calculate	VERB
fsr-3888	113	12	based	base	VERB
fsr-3888	113	13	on	on	ADP
fsr-3888	113	14	their	their	PRON
fsr-3888	113	15	set	set	NOUN
fsr-3888	113	16	of	of	ADP
fsr-3888	113	17	demographic	demographic	ADJ
fsr-3888	113	18	variables	variable	NOUN
fsr-3888	113	19	by	by	ADP
fsr-3888	113	20	eq	eq	PROPN
fsr-3888	113	21	.	.	PUNCT
fsr-3888	114	1	(	(	PUNCT
fsr-3888	114	2	2	2	NUM
fsr-3888	114	3	):	):	PUNCT
fsr-3888	114	4	133y.a	133y.a	X
fsr-3888	114	5	.	.	PUNCT
fsr-3888	115	1	badu	badu	PROPN
fsr-3888	115	2	et	et	PROPN
fsr-3888	115	3	al	al	PROPN
fsr-3888	115	4	.	.	PUNCT
fsr-3888	115	5	/	/	SYM
fsr-3888	115	6	financial	financial	ADJ
fsr-3888	115	7	services	service	NOUN
fsr-3888	115	8	review	review	VERB
fsr-3888	115	9	8	8	NUM
fsr-3888	115	10	(	(	PUNCT
fsr-3888	115	11	1999	1999	NUM
fsr-3888	115	12	)	)	PUNCT
fsr-3888	116	1	129–147	129–147	NUM
fsr-3888	116	2	ln	ln	NOUN
fsr-3888	116	3	~	~	VERB
fsr-3888	116	4	xinct	xinct	ADJ
fsr-3888	116	5	!	!	PUNCT
fsr-3888	117	1	5	5	NUM
fsr-3888	117	2	b1	b1	NOUN
fsr-3888	117	3	1	1	NUM
fsr-3888	117	4	b2~	b2~	NOUN
fsr-3888	117	5	age	age	NOUN
fsr-3888	117	6	!	!	PUNCT
fsr-3888	117	7	1	1	NUM
fsr-3888	117	8	b3~	b3~	NOUN
fsr-3888	117	9	age!2	age!2	NOUN
fsr-3888	117	10	1	1	NUM
fsr-3888	117	11	b4	b4	NOUN
fsr-3888	117	12	~	~	SYM
fsr-3888	117	13	educ	educ	X
fsr-3888	117	14	!	!	PUNCT
fsr-3888	118	1	1	1	NUM
fsr-3888	118	2	b5	b5	PROPN
fsr-3888	118	3	~	~	SYM
fsr-3888	118	4	semploy	semploy	NOUN
fsr-3888	118	5	!	!	PUNCT
fsr-3888	118	6	1	1	NUM
fsr-3888	118	7	b6	b6	NOUN
fsr-3888	118	8	~	~	NOUN
fsr-3888	118	9	race	race	NOUN
fsr-3888	118	10	!	!	PUNCT
fsr-3888	119	1	1	1	NUM
fsr-3888	119	2	b1	b1	NOUN
fsr-3888	119	3	~	~	SYM
fsr-3888	119	4	marital	marital	ADJ
fsr-3888	119	5	!	!	PUNCT
fsr-3888	119	6	1	1	NUM
fsr-3888	119	7	b8	b8	PROPN
fsr-3888	119	8	~	~	NOUN
fsr-3888	119	9	sex	sex	NOUN
fsr-3888	119	10	!	!	NOUN
fsr-3888	119	11	1	1	NUM
fsr-3888	119	12	b9	b9	PROPN
fsr-3888	119	13	~	~	NOUN
fsr-3888	119	14	work	work	NOUN
fsr-3888	119	15	!	!	PUNCT
fsr-3888	120	1	1	1	NUM
fsr-3888	120	2	b10	b10	PROPN
fsr-3888	120	3	~	~	SYM
fsr-3888	120	4	children	child	NOUN
fsr-3888	120	5	!	!	PUNCT
fsr-3888	121	1	1	1	NUM
fsr-3888	121	2	b11	b11	PROPN
fsr-3888	121	3	~	~	NOUN
fsr-3888	121	4	health	health	NOUN
fsr-3888	121	5	!	!	NOUN
fsr-3888	121	6	1	1	NUM
fsr-3888	121	7	b12	b12	NOUN
fsr-3888	121	8	~	~	NOUN
fsr-3888	121	9	pension	pension	NOUN
fsr-3888	121	10	!	!	PUNCT
fsr-3888	122	1	(	(	PUNCT
fsr-3888	122	2	2	2	X
fsr-3888	122	3	)	)	PUNCT
fsr-3888	122	4	a	a	DET
fsr-3888	122	5	statistically	statistically	ADV
fsr-3888	122	6	significant	significant	ADJ
fsr-3888	122	7	coefficient	coefficient	NOUN
fsr-3888	122	8	on	on	ADP
fsr-3888	122	9	the	the	DET
fsr-3888	122	10	race	race	NOUN
fsr-3888	122	11	variable	variable	NOUN
fsr-3888	122	12	can	can	AUX
fsr-3888	122	13	be	be	AUX
fsr-3888	122	14	interpreted	interpret	VERB
fsr-3888	122	15	as	as	ADP
fsr-3888	122	16	evidence	evidence	NOUN
fsr-3888	122	17	of	of	ADP
fsr-3888	122	18	a	a	DET
fsr-3888	122	19	racial	racial	ADJ
fsr-3888	122	20	difference	difference	NOUN
fsr-3888	122	21	in	in	ADP
fsr-3888	122	22	magnitudes	magnitude	NOUN
fsr-3888	122	23	of	of	ADP
fsr-3888	122	24	expected	expect	VERB
fsr-3888	122	25	incomes	income	NOUN
fsr-3888	122	26	.	.	PUNCT
fsr-3888	123	1	however	however	ADV
fsr-3888	123	2	,	,	PUNCT
fsr-3888	123	3	as	as	SCONJ
fsr-3888	123	4	pointed	point	VERB
fsr-3888	123	5	out	out	ADP
fsr-3888	123	6	by	by	ADP
fsr-3888	123	7	gutter	gutter	NOUN
fsr-3888	123	8	,	,	PUNCT
fsr-3888	123	9	fox	fox	NOUN
fsr-3888	123	10	,	,	PUNCT
fsr-3888	123	11	and	and	CCONJ
fsr-3888	123	12	montalto	montalto	PROPN
fsr-3888	123	13	(	(	PUNCT
fsr-3888	123	14	1990	1990	NUM
fsr-3888	123	15	)	)	PUNCT
fsr-3888	123	16	,	,	PUNCT
fsr-3888	123	17	this	this	PRON
fsr-3888	123	18	may	may	AUX
fsr-3888	123	19	be	be	AUX
fsr-3888	123	20	too	too	ADV
fsr-3888	123	21	simplistic	simplistic	ADJ
fsr-3888	123	22	an	an	DET
fsr-3888	123	23	approach	approach	NOUN
fsr-3888	123	24	.	.	PUNCT
fsr-3888	124	1	we	we	PRON
fsr-3888	124	2	address	address	VERB
fsr-3888	124	3	this	this	DET
fsr-3888	124	4	problem	problem	NOUN
fsr-3888	124	5	below	below	ADV
fsr-3888	124	6	by	by	ADP
fsr-3888	124	7	using	use	VERB
fsr-3888	124	8	the	the	DET
fsr-3888	124	9	jackson	jackson	PROPN
fsr-3888	124	10	and	and	CCONJ
fsr-3888	124	11	lindley	lindley	PROPN
fsr-3888	124	12	(	(	PUNCT
fsr-3888	124	13	1989	1989	NUM
fsr-3888	124	14	)	)	PUNCT
fsr-3888	124	15	techniques	technique	NOUN
fsr-3888	124	16	.	.	PUNCT
fsr-3888	125	1	economic	economic	ADJ
fsr-3888	125	2	theory	theory	NOUN
fsr-3888	125	3	provides	provide	VERB
fsr-3888	125	4	a	a	DET
fsr-3888	125	5	well	well	ADV
fsr-3888	125	6	-	-	PUNCT
fsr-3888	125	7	developed	develop	VERB
fsr-3888	125	8	framework	framework	NOUN
fsr-3888	125	9	for	for	ADP
fsr-3888	125	10	modeling	model	VERB
fsr-3888	125	11	net	net	ADJ
fsr-3888	125	12	worth	worth	ADJ
fsr-3888	125	13	accumulation	accumulation	NOUN
fsr-3888	125	14	based	base	VERB
fsr-3888	125	15	on	on	ADP
fsr-3888	125	16	the	the	DET
fsr-3888	125	17	life	life	NOUN
fsr-3888	125	18	cycle	cycle	NOUN
fsr-3888	125	19	hypothesis	hypothesis	NOUN
fsr-3888	125	20	(	(	PUNCT
fsr-3888	125	21	ando	ando	PROPN
fsr-3888	125	22	and	and	CCONJ
fsr-3888	125	23	modigliani	modigliani	PROPN
fsr-3888	125	24	,	,	PUNCT
fsr-3888	125	25	1963	1963	NUM
fsr-3888	125	26	;	;	PUNCT
fsr-3888	125	27	wolff	wolff	NOUN
fsr-3888	125	28	,	,	PUNCT
fsr-3888	125	29	1994	1994	NUM
fsr-3888	125	30	;	;	PUNCT
fsr-3888	125	31	wang	wang	PROPN
fsr-3888	125	32	,	,	PUNCT
fsr-3888	125	33	1995	1995	NUM
fsr-3888	125	34	)	)	PUNCT
fsr-3888	125	35	.	.	PUNCT
fsr-3888	126	1	this	this	DET
fsr-3888	126	2	body	body	NOUN
fsr-3888	126	3	of	of	ADP
fsr-3888	126	4	work	work	NOUN
fsr-3888	126	5	determines	determine	VERB
fsr-3888	126	6	that	that	SCONJ
fsr-3888	126	7	net	net	ADJ
fsr-3888	126	8	worth	worth	NOUN
fsr-3888	126	9	is	be	AUX
fsr-3888	126	10	a	a	DET
fsr-3888	126	11	function	function	NOUN
fsr-3888	126	12	of	of	ADP
fsr-3888	126	13	expected	expect	VERB
fsr-3888	126	14	income	income	NOUN
fsr-3888	126	15	,	,	PUNCT
fsr-3888	126	16	age	age	NOUN
fsr-3888	126	17	,	,	PUNCT
fsr-3888	126	18	and	and	CCONJ
fsr-3888	126	19	a	a	DET
fsr-3888	126	20	set	set	NOUN
fsr-3888	126	21	of	of	ADP
fsr-3888	126	22	households	household	NOUN
fsr-3888	126	23	demographic	demographic	ADJ
fsr-3888	126	24	variables	variable	NOUN
fsr-3888	126	25	.	.	PUNCT
fsr-3888	127	1	following	follow	VERB
fsr-3888	127	2	wang	wang	PROPN
fsr-3888	127	3	(	(	PUNCT
fsr-3888	127	4	1995	1995	NUM
fsr-3888	127	5	)	)	PUNCT
fsr-3888	127	6	we	we	PRON
fsr-3888	127	7	have	have	AUX
fsr-3888	127	8	developed	develop	VERB
fsr-3888	127	9	a	a	DET
fsr-3888	127	10	model	model	NOUN
fsr-3888	127	11	to	to	PART
fsr-3888	127	12	explain	explain	VERB
fsr-3888	127	13	household	household	NOUN
fsr-3888	127	14	nonhuman	nonhuman	ADJ
fsr-3888	127	15	wealth	wealth	NOUN
fsr-3888	127	16	,	,	PUNCT
fsr-3888	127	17	where	where	SCONJ
fsr-3888	127	18	wt	wt	NOUN
fsr-3888	127	19	is	be	AUX
fsr-3888	127	20	defined	define	VERB
fsr-3888	127	21	as	as	ADP
fsr-3888	127	22	household	household	NOUN
fsr-3888	127	23	nonhuman	nonhuman	ADJ
fsr-3888	127	24	wealth	wealth	NOUN
fsr-3888	127	25	and	and	CCONJ
fsr-3888	127	26	it	it	PRON
fsr-3888	127	27	equals	equal	VERB
fsr-3888	127	28	the	the	DET
fsr-3888	127	29	summation	summation	NOUN
fsr-3888	127	30	of	of	ADP
fsr-3888	127	31	past	past	ADJ
fsr-3888	127	32	savings	saving	NOUN
fsr-3888	127	33	,	,	PUNCT
fsr-3888	127	34	st	st	PROPN
fsr-3888	127	35	.	.	PROPN
fsr-3888	127	36	we	we	PRON
fsr-3888	127	37	use	use	VERB
fsr-3888	127	38	the	the	DET
fsr-3888	127	39	net	net	ADJ
fsr-3888	127	40	worth	worth	NOUN
fsr-3888	127	41	of	of	ADP
fsr-3888	127	42	each	each	DET
fsr-3888	127	43	household	household	NOUN
fsr-3888	127	44	as	as	ADP
fsr-3888	127	45	a	a	DET
fsr-3888	127	46	proxy	proxy	NOUN
fsr-3888	127	47	for	for	ADP
fsr-3888	127	48	the	the	DET
fsr-3888	127	49	nonhuman	nonhuman	ADJ
fsr-3888	127	50	wealth	wealth	NOUN
fsr-3888	127	51	and	and	CCONJ
fsr-3888	127	52	therefore	therefore	ADV
fsr-3888	127	53	assume	assume	VERB
fsr-3888	127	54	that	that	SCONJ
fsr-3888	127	55	past	past	ADJ
fsr-3888	127	56	savings	saving	NOUN
fsr-3888	127	57	includes	include	VERB
fsr-3888	127	58	financial	financial	ADJ
fsr-3888	127	59	and	and	CCONJ
fsr-3888	127	60	physical	physical	ADJ
fsr-3888	127	61	assets	asset	NOUN
fsr-3888	127	62	.	.	PUNCT
fsr-3888	128	1	based	base	VERB
fsr-3888	128	2	on	on	ADP
fsr-3888	128	3	this	this	DET
fsr-3888	128	4	theoretical	theoretical	ADJ
fsr-3888	128	5	work	work	NOUN
fsr-3888	128	6	we	we	PRON
fsr-3888	128	7	model	model	VERB
fsr-3888	128	8	net	net	ADJ
fsr-3888	128	9	worth	worth	ADJ
fsr-3888	128	10	using	use	VERB
fsr-3888	128	11	the	the	DET
fsr-3888	128	12	following	follow	VERB
fsr-3888	128	13	equation	equation	NOUN
fsr-3888	128	14	:	:	PUNCT
fsr-3888	128	15	ln	ln	X
fsr-3888	128	16	~	~	PUNCT
fsr-3888	128	17	wt	wt	NOUN
fsr-3888	128	18	!	!	NOUN
fsr-3888	128	19	5	5	NUM
fsr-3888	128	20	g1	g1	NOUN
fsr-3888	128	21	1	1	NUM
fsr-3888	128	22	g2	g2	PROPN
fsr-3888	128	23	ln	ln	PROPN
fsr-3888	128	24	~	~	PROPN
fsr-3888	128	25	xinc	xinc	X
fsr-3888	128	26	!	!	PROPN
fsr-3888	128	27	1	1	NUM
fsr-3888	128	28	g3ln	g3ln	PUNCT
fsr-3888	128	29	~	~	SYM
fsr-3888	128	30	xinc!2	xinc!2	NOUN
fsr-3888	128	31	1	1	NUM
fsr-3888	128	32	g4	g4	NOUN
fsr-3888	128	33	ln	ln	PROPN
fsr-3888	128	34	~	~	PROPN
fsr-3888	128	35	tinc	tinc	NOUN
fsr-3888	128	36	!	!	PROPN
fsr-3888	128	37	1	1	NUM
fsr-3888	128	38	g5~	g5~	NOUN
fsr-3888	128	39	age	age	NOUN
fsr-3888	128	40	!	!	PUNCT
fsr-3888	128	41	1	1	NUM
fsr-3888	129	1	g6~	g6~	NOUN
fsr-3888	129	2	age!2	age!2	NOUN
fsr-3888	129	3	1	1	NUM
fsr-3888	129	4	g7	g7	PROPN
fsr-3888	129	5	~	~	PUNCT
fsr-3888	129	6	educ	educ	X
fsr-3888	129	7	!	!	PUNCT
fsr-3888	130	1	1	1	NUM
fsr-3888	130	2	g8	g8	PROPN
fsr-3888	130	3	~	~	SYM
fsr-3888	130	4	semploy	semploy	NOUN
fsr-3888	130	5	!	!	PUNCT
fsr-3888	130	6	1	1	NUM
fsr-3888	130	7	g9	g9	PROPN
fsr-3888	130	8	~	~	SYM
fsr-3888	130	9	race	race	NOUN
fsr-3888	130	10	!	!	PUNCT
fsr-3888	130	11	1	1	NUM
fsr-3888	130	12	g10	g10	PROPN
fsr-3888	130	13	~	~	SYM
fsr-3888	130	14	marital	marital	ADJ
fsr-3888	130	15	!	!	PUNCT
fsr-3888	130	16	1	1	NUM
fsr-3888	130	17	g11	g11	PROPN
fsr-3888	130	18	~	~	SYM
fsr-3888	130	19	sex	sex	NOUN
fsr-3888	130	20	!	!	NOUN
fsr-3888	130	21	1	1	NUM
fsr-3888	130	22	g12	g12	NOUN
fsr-3888	130	23	~	~	SYM
fsr-3888	130	24	work	work	NOUN
fsr-3888	130	25	!	!	PUNCT
fsr-3888	130	26	1	1	NUM
fsr-3888	130	27	g13	g13	NOUN
fsr-3888	130	28	~	~	NOUN
fsr-3888	130	29	children	child	NOUN
fsr-3888	130	30	!	!	PUNCT
fsr-3888	131	1	1	1	NUM
fsr-3888	131	2	g14	g14	NOUN
fsr-3888	131	3	~	~	NOUN
fsr-3888	131	4	health	health	NOUN
fsr-3888	131	5	!	!	PUNCT
fsr-3888	131	6	1	1	NUM
fsr-3888	131	7	g15	g15	PROPN
fsr-3888	131	8	~	~	NOUN
fsr-3888	131	9	pension	pension	NOUN
fsr-3888	131	10	!	!	PUNCT
fsr-3888	132	1	1	1	NUM
fsr-3888	132	2	mt	mt	PROPN
fsr-3888	132	3	(	(	PUNCT
fsr-3888	132	4	3	3	NUM
fsr-3888	132	5	)	)	PUNCT
fsr-3888	132	6	where	where	SCONJ
fsr-3888	132	7	tinc	tinc	PROPN
fsr-3888	132	8	is	be	AUX
fsr-3888	132	9	transitory	transitory	ADJ
fsr-3888	132	10	income	income	NOUN
fsr-3888	132	11	,	,	PUNCT
fsr-3888	132	12	equal	equal	ADJ
fsr-3888	132	13	to	to	ADP
fsr-3888	132	14	the	the	DET
fsr-3888	132	15	difference	difference	NOUN
fsr-3888	132	16	between	between	ADP
fsr-3888	132	17	actual	actual	ADJ
fsr-3888	132	18	income	income	NOUN
fsr-3888	132	19	and	and	CCONJ
fsr-3888	132	20	expected	expect	VERB
fsr-3888	132	21	income	income	NOUN
fsr-3888	132	22	.	.	PUNCT
fsr-3888	132	23	similar	similar	ADJ
fsr-3888	132	24	to	to	AUX
fsr-3888	132	25	bajtelsmit	bajtelsmit	VERB
fsr-3888	132	26	,	,	PUNCT
fsr-3888	132	27	bernasek	bernasek	NOUN
fsr-3888	132	28	and	and	CCONJ
fsr-3888	132	29	jianakoplos	jianakoplos	PROPN
fsr-3888	132	30	(	(	PUNCT
fsr-3888	132	31	1999	1999	NUM
fsr-3888	132	32	)	)	PUNCT
fsr-3888	132	33	we	we	PRON
fsr-3888	132	34	limit	limit	VERB
fsr-3888	132	35	our	our	PRON
fsr-3888	132	36	sample	sample	NOUN
fsr-3888	132	37	to	to	ADP
fsr-3888	132	38	those	those	DET
fsr-3888	132	39	households	household	NOUN
fsr-3888	132	40	with	with	ADP
fsr-3888	132	41	positive	positive	ADJ
fsr-3888	132	42	net	net	ADJ
fsr-3888	132	43	worth	worth	NOUN
fsr-3888	132	44	.	.	PUNCT
fsr-3888	133	1	we	we	PRON
fsr-3888	133	2	correct	correct	VERB
fsr-3888	133	3	for	for	ADP
fsr-3888	133	4	this	this	DET
fsr-3888	133	5	possible	possible	ADJ
fsr-3888	133	6	sample	sample	NOUN
fsr-3888	133	7	selection	selection	NOUN
fsr-3888	133	8	bias	bias	NOUN
fsr-3888	133	9	using	use	VERB
fsr-3888	133	10	heckman	heckman	PROPN
fsr-3888	133	11	’s	’s	PART
fsr-3888	133	12	procedure	procedure	NOUN
fsr-3888	133	13	(	(	PUNCT
fsr-3888	133	14	heckman	heckman	NOUN
fsr-3888	133	15	,	,	PUNCT
fsr-3888	133	16	1979	1979	NUM
fsr-3888	133	17	)	)	PUNCT
fsr-3888	133	18	.	.	PUNCT
fsr-3888	134	1	once	once	ADV
fsr-3888	134	2	again	again	ADV
fsr-3888	134	3	if	if	SCONJ
fsr-3888	134	4	a	a	DET
fsr-3888	134	5	significant	significant	ADJ
fsr-3888	134	6	coefficient	coefficient	NOUN
fsr-3888	134	7	for	for	ADP
fsr-3888	134	8	the	the	DET
fsr-3888	134	9	race	race	NOUN
fsr-3888	134	10	variable	variable	NOUN
fsr-3888	134	11	is	be	AUX
fsr-3888	134	12	found	find	VERB
fsr-3888	134	13	this	this	PRON
fsr-3888	134	14	provides	provide	VERB
fsr-3888	134	15	weak	weak	ADJ
fsr-3888	134	16	support	support	NOUN
fsr-3888	134	17	for	for	ADP
fsr-3888	134	18	racial	racial	ADJ
fsr-3888	134	19	differences	difference	NOUN
fsr-3888	134	20	in	in	ADP
fsr-3888	134	21	net	net	ADJ
fsr-3888	134	22	worth	worth	NOUN
fsr-3888	134	23	.	.	PUNCT
fsr-3888	135	1	we	we	PRON
fsr-3888	135	2	attempt	attempt	VERB
fsr-3888	135	3	to	to	PART
fsr-3888	135	4	determine	determine	VERB
fsr-3888	135	5	the	the	DET
fsr-3888	135	6	source	source	NOUN
fsr-3888	135	7	of	of	ADP
fsr-3888	135	8	these	these	DET
fsr-3888	135	9	differences	difference	NOUN
fsr-3888	135	10	in	in	ADP
fsr-3888	135	11	net	net	ADJ
fsr-3888	135	12	worth	worth	ADJ
fsr-3888	135	13	accumulation	accumulation	NOUN
fsr-3888	135	14	between	between	ADP
fsr-3888	135	15	the	the	DET
fsr-3888	135	16	races	race	NOUN
fsr-3888	135	17	.	.	PUNCT
fsr-3888	136	1	one	one	NUM
fsr-3888	136	2	possible	possible	ADJ
fsr-3888	136	3	reason	reason	NOUN
fsr-3888	136	4	why	why	SCONJ
fsr-3888	136	5	these	these	DET
fsr-3888	136	6	differences	difference	NOUN
fsr-3888	136	7	are	be	AUX
fsr-3888	136	8	found	find	VERB
fsr-3888	136	9	is	be	AUX
fsr-3888	136	10	that	that	SCONJ
fsr-3888	136	11	barriers	barrier	NOUN
fsr-3888	136	12	may	may	AUX
fsr-3888	136	13	exists	exist	VERB
fsr-3888	136	14	in	in	ADP
fsr-3888	136	15	financial	financial	ADJ
fsr-3888	136	16	markets	market	NOUN
fsr-3888	136	17	.	.	PUNCT
fsr-3888	137	1	in	in	ADP
fsr-3888	137	2	an	an	DET
fsr-3888	137	3	effort	effort	NOUN
fsr-3888	137	4	to	to	PART
fsr-3888	137	5	determine	determine	VERB
fsr-3888	137	6	if	if	SCONJ
fsr-3888	137	7	the	the	DET
fsr-3888	137	8	net	net	ADJ
fsr-3888	137	9	worth	worth	NOUN
fsr-3888	137	10	of	of	ADP
fsr-3888	137	11	black	black	ADJ
fsr-3888	137	12	households	household	NOUN
fsr-3888	137	13	is	be	AUX
fsr-3888	137	14	constrained	constrain	VERB
fsr-3888	137	15	by	by	ADP
fsr-3888	137	16	barriers	barrier	NOUN
fsr-3888	137	17	in	in	ADP
fsr-3888	137	18	the	the	DET
fsr-3888	137	19	financial	financial	ADJ
fsr-3888	137	20	markets	market	NOUN
fsr-3888	137	21	,	,	PUNCT
fsr-3888	137	22	we	we	PRON
fsr-3888	137	23	employ	employ	VERB
fsr-3888	137	24	a	a	DET
fsr-3888	137	25	technique	technique	NOUN
fsr-3888	137	26	very	very	ADV
fsr-3888	137	27	similar	similar	ADJ
fsr-3888	137	28	to	to	ADP
fsr-3888	137	29	that	that	PRON
fsr-3888	137	30	developed	develop	VERB
fsr-3888	137	31	by	by	ADP
fsr-3888	137	32	jackson	jackson	PROPN
fsr-3888	137	33	and	and	CCONJ
fsr-3888	137	34	lindley	lindley	PROPN
fsr-3888	137	35	(	(	PUNCT
fsr-3888	137	36	1989	1989	NUM
fsr-3888	137	37	)	)	PUNCT
fsr-3888	137	38	and	and	CCONJ
fsr-3888	137	39	recently	recently	ADV
fsr-3888	137	40	utilized	utilize	VERB
fsr-3888	137	41	by	by	ADP
fsr-3888	137	42	gutter	gutter	NOUN
fsr-3888	137	43	,	,	PUNCT
fsr-3888	137	44	fox	fox	NOUN
fsr-3888	137	45	,	,	PUNCT
fsr-3888	137	46	and	and	CCONJ
fsr-3888	137	47	montalto	montalto	PROPN
fsr-3888	137	48	(	(	PUNCT
fsr-3888	137	49	1999	1999	NUM
fsr-3888	137	50	)	)	PUNCT
fsr-3888	137	51	.	.	PUNCT
fsr-3888	138	1	we	we	PRON
fsr-3888	138	2	create	create	VERB
fsr-3888	138	3	a	a	DET
fsr-3888	138	4	pooled	pooled	ADJ
fsr-3888	138	5	data	datum	NOUN
fsr-3888	138	6	set	set	VERB
fsr-3888	138	7	by	by	ADP
fsr-3888	138	8	combining	combine	VERB
fsr-3888	138	9	the	the	DET
fsr-3888	138	10	black	black	ADJ
fsr-3888	138	11	and	and	CCONJ
fsr-3888	138	12	white	white	ADJ
fsr-3888	138	13	samples	sample	NOUN
fsr-3888	138	14	.	.	PUNCT
fsr-3888	139	1	also	also	ADV
fsr-3888	139	2	,	,	PUNCT
fsr-3888	139	3	several	several	ADJ
fsr-3888	139	4	interaction	interaction	NOUN
fsr-3888	139	5	variables	variable	NOUN
fsr-3888	139	6	are	be	AUX
fsr-3888	139	7	created	create	VERB
fsr-3888	139	8	with	with	ADP
fsr-3888	139	9	the	the	DET
fsr-3888	139	10	race	race	NOUN
fsr-3888	139	11	dummy	dummy	ADJ
fsr-3888	139	12	variable	variable	NOUN
fsr-3888	139	13	by	by	ADP
fsr-3888	139	14	multiplying	multiply	VERB
fsr-3888	139	15	each	each	DET
fsr-3888	139	16	explanatory	explanatory	ADJ
fsr-3888	139	17	variable	variable	NOUN
fsr-3888	139	18	by	by	ADP
fsr-3888	139	19	this	this	DET
fsr-3888	139	20	dummy	dummy	ADJ
fsr-3888	139	21	variable	variable	NOUN
fsr-3888	139	22	.	.	PUNCT
fsr-3888	140	1	the	the	DET
fsr-3888	140	2	pooled	pool	VERB
fsr-3888	140	3	data	datum	NOUN
fsr-3888	140	4	set	set	VERB
fsr-3888	140	5	then	then	ADV
fsr-3888	140	6	includes	include	VERB
fsr-3888	140	7	the	the	DET
fsr-3888	140	8	k	k	PROPN
fsr-3888	140	9	explanatory	explanatory	ADJ
fsr-3888	140	10	variables	variable	NOUN
fsr-3888	140	11	and	and	CCONJ
fsr-3888	140	12	k	k	PROPN
fsr-3888	140	13	dummy	dummy	ADJ
fsr-3888	140	14	interaction	interaction	NOUN
fsr-3888	140	15	variables	variable	NOUN
fsr-3888	140	16	.	.	PUNCT
fsr-3888	141	1	this	this	DET
fsr-3888	141	2	methodology	methodology	NOUN
fsr-3888	141	3	is	be	AUX
fsr-3888	141	4	a	a	DET
fsr-3888	141	5	behavioral	behavioral	ADJ
fsr-3888	141	6	model	model	NOUN
fsr-3888	141	7	that	that	PRON
fsr-3888	141	8	estimates	estimate	VERB
fsr-3888	141	9	the	the	DET
fsr-3888	141	10	net	net	ADJ
fsr-3888	141	11	worth	worth	NOUN
fsr-3888	141	12	of	of	ADP
fsr-3888	141	13	various	various	ADJ
fsr-3888	141	14	groups	group	NOUN
fsr-3888	141	15	in	in	ADP
fsr-3888	141	16	the	the	DET
fsr-3888	141	17	study	study	NOUN
fsr-3888	141	18	.	.	PUNCT
fsr-3888	142	1	a	a	DET
fsr-3888	142	2	set	set	NOUN
fsr-3888	142	3	of	of	ADP
fsr-3888	142	4	coefficients	coefficient	NOUN
fsr-3888	142	5	for	for	ADP
fsr-3888	142	6	the	the	DET
fsr-3888	142	7	white	white	ADJ
fsr-3888	142	8	and	and	CCONJ
fsr-3888	142	9	black	black	ADJ
fsr-3888	142	10	populations	population	NOUN
fsr-3888	142	11	are	be	AUX
fsr-3888	142	12	estimated	estimate	VERB
fsr-3888	142	13	.	.	PUNCT
fsr-3888	143	1	the	the	DET
fsr-3888	143	2	expected	expect	VERB
fsr-3888	143	3	net	net	ADJ
fsr-3888	143	4	worth	worth	NOUN
fsr-3888	143	5	for	for	ADP
fsr-3888	143	6	blacks	black	NOUN
fsr-3888	143	7	(	(	PUNCT
fsr-3888	143	8	wb	wb	NOUN
fsr-3888	143	9	)	)	PUNCT
fsr-3888	143	10	is	be	AUX
fsr-3888	143	11	estimated	estimate	VERB
fsr-3888	143	12	using	use	VERB
fsr-3888	143	13	the	the	DET
fsr-3888	143	14	‘	'	PUNCT
fsr-3888	143	15	black	black	ADJ
fsr-3888	143	16	’	'	PUNCT
fsr-3888	143	17	coefficients	coefficient	NOUN
fsr-3888	143	18	and	and	CCONJ
fsr-3888	143	19	‘	'	PUNCT
fsr-3888	143	20	black	black	ADJ
fsr-3888	143	21	’	'	PUNCT
fsr-3888	143	22	explanatory	explanatory	ADJ
fsr-3888	143	23	variables	variable	NOUN
fsr-3888	143	24	.	.	PUNCT
fsr-3888	144	1	then	then	ADV
fsr-3888	144	2	expected	expect	VERB
fsr-3888	144	3	net	net	ADJ
fsr-3888	144	4	worth	worth	NOUN
fsr-3888	144	5	in	in	ADP
fsr-3888	144	6	the	the	DET
fsr-3888	144	7	absence	absence	NOUN
fsr-3888	144	8	of	of	ADP
fsr-3888	144	9	constraints	constraint	NOUN
fsr-3888	144	10	(	(	PUNCT
fsr-3888	144	11	wh	wh	NOUN
fsr-3888	144	12	)	)	PUNCT
fsr-3888	144	13	is	be	AUX
fsr-3888	144	14	estimated	estimate	VERB
fsr-3888	144	15	for	for	ADP
fsr-3888	144	16	blacks	black	NOUN
fsr-3888	144	17	using	use	VERB
fsr-3888	144	18	‘	'	PUNCT
fsr-3888	144	19	white	white	ADJ
fsr-3888	144	20	’	'	PUNCT
fsr-3888	144	21	coefficients	coefficient	NOUN
fsr-3888	144	22	and	and	CCONJ
fsr-3888	144	23	‘	'	PUNCT
fsr-3888	144	24	black	black	ADJ
fsr-3888	144	25	’	'	PUNCT
fsr-3888	144	26	134	134	NUM
fsr-3888	145	1	y.a	y.a	PROPN
fsr-3888	145	2	.	.	PROPN
fsr-3888	145	3	badu	badu	PROPN
fsr-3888	145	4	et	et	PROPN
fsr-3888	145	5	al	al	PROPN
fsr-3888	145	6	.	.	PUNCT
fsr-3888	145	7	/	/	SYM
fsr-3888	145	8	financial	financial	ADJ
fsr-3888	145	9	services	service	NOUN
fsr-3888	145	10	review	review	VERB
fsr-3888	145	11	8	8	NUM
fsr-3888	145	12	(	(	PUNCT
fsr-3888	145	13	1999	1999	NUM
fsr-3888	145	14	)	)	PUNCT
fsr-3888	146	1	129–147	129–147	NUM
fsr-3888	146	2	explanatory	explanatory	ADJ
fsr-3888	146	3	variables	variable	NOUN
fsr-3888	146	4	.	.	PUNCT
fsr-3888	147	1	the	the	DET
fsr-3888	147	2	extent	extent	NOUN
fsr-3888	147	3	of	of	ADP
fsr-3888	147	4	the	the	DET
fsr-3888	147	5	constraints	constraint	NOUN
fsr-3888	147	6	experienced	experience	VERB
fsr-3888	147	7	by	by	ADP
fsr-3888	147	8	black	black	ADJ
fsr-3888	147	9	households	household	NOUN
fsr-3888	147	10	is	be	AUX
fsr-3888	147	11	measured	measure	VERB
fsr-3888	147	12	by	by	ADP
fsr-3888	147	13	(	(	PUNCT
fsr-3888	147	14	wh	wh	PROPN
fsr-3888	147	15	-	-	PUNCT
fsr-3888	147	16	wb	wb	NOUN
fsr-3888	147	17	)	)	PUNCT
fsr-3888	147	18	which	which	PRON
fsr-3888	147	19	is	be	AUX
fsr-3888	147	20	decomposed	decompose	VERB
fsr-3888	147	21	into	into	ADP
fsr-3888	147	22	the	the	DET
fsr-3888	147	23	constant	constant	ADJ
fsr-3888	147	24	and	and	CCONJ
fsr-3888	147	25	coefficient	coefficient	NOUN
fsr-3888	147	26	effects	effect	NOUN
fsr-3888	147	27	.	.	PUNCT
fsr-3888	148	1	the	the	DET
fsr-3888	148	2	constant	constant	ADJ
fsr-3888	148	3	effect	effect	NOUN
fsr-3888	148	4	is	be	AUX
fsr-3888	148	5	that	that	SCONJ
fsr-3888	148	6	portion	portion	NOUN
fsr-3888	148	7	of	of	ADP
fsr-3888	148	8	the	the	DET
fsr-3888	148	9	residual	residual	ADJ
fsr-3888	148	10	or	or	CCONJ
fsr-3888	148	11	difference	difference	NOUN
fsr-3888	148	12	that	that	PRON
fsr-3888	148	13	can	can	AUX
fsr-3888	148	14	not	not	PART
fsr-3888	148	15	be	be	AUX
fsr-3888	148	16	accounted	account	VERB
fsr-3888	148	17	for	for	ADP
fsr-3888	148	18	by	by	ADP
fsr-3888	148	19	differential	differential	ADJ
fsr-3888	148	20	endowments	endowment	NOUN
fsr-3888	148	21	or	or	CCONJ
fsr-3888	148	22	differential	differential	ADJ
fsr-3888	148	23	responses	response	NOUN
fsr-3888	148	24	.	.	PUNCT
fsr-3888	149	1	the	the	DET
fsr-3888	149	2	coefficient	coefficient	NOUN
fsr-3888	149	3	effect	effect	NOUN
fsr-3888	149	4	is	be	AUX
fsr-3888	149	5	a	a	DET
fsr-3888	149	6	measure	measure	NOUN
fsr-3888	149	7	of	of	ADP
fsr-3888	149	8	the	the	DET
fsr-3888	149	9	differential	differential	NOUN
fsr-3888	149	10	between	between	ADP
fsr-3888	149	11	group	group	NOUN
fsr-3888	149	12	response	response	NOUN
fsr-3888	149	13	in	in	ADP
fsr-3888	149	14	the	the	DET
fsr-3888	149	15	dependent	dependent	ADJ
fsr-3888	149	16	variable	variable	NOUN
fsr-3888	149	17	to	to	ADP
fsr-3888	149	18	unit	unit	NOUN
fsr-3888	149	19	changes	change	NOUN
fsr-3888	149	20	in	in	ADP
fsr-3888	149	21	the	the	DET
fsr-3888	149	22	independent	independent	ADJ
fsr-3888	149	23	variables	variable	NOUN
fsr-3888	149	24	.	.	PUNCT
fsr-3888	150	1	this	this	DET
fsr-3888	150	2	testing	testing	NOUN
fsr-3888	150	3	method	method	NOUN
fsr-3888	150	4	is	be	AUX
fsr-3888	150	5	really	really	ADV
fsr-3888	150	6	a	a	DET
fsr-3888	150	7	joint	joint	ADJ
fsr-3888	150	8	test	test	NOUN
fsr-3888	150	9	of	of	ADP
fsr-3888	150	10	the	the	DET
fsr-3888	150	11	two	two	NUM
fsr-3888	150	12	components	component	NOUN
fsr-3888	150	13	of	of	ADP
fsr-3888	150	14	the	the	DET
fsr-3888	150	15	residual	residual	ADJ
fsr-3888	150	16	differences	difference	NOUN
fsr-3888	150	17	,	,	PUNCT
fsr-3888	150	18	that	that	ADV
fsr-3888	150	19	is	is	ADV
fsr-3888	150	20	,	,	PUNCT
fsr-3888	150	21	the	the	DET
fsr-3888	150	22	constant	constant	ADJ
fsr-3888	150	23	and	and	CCONJ
fsr-3888	150	24	the	the	DET
fsr-3888	150	25	coefficient	coefficient	NOUN
fsr-3888	150	26	effects	effect	NOUN
fsr-3888	150	27	that	that	PRON
fsr-3888	150	28	are	be	AUX
fsr-3888	150	29	easily	easily	ADV
fsr-3888	150	30	determined	determine	VERB
fsr-3888	150	31	from	from	ADP
fsr-3888	150	32	the	the	DET
fsr-3888	150	33	pooled	pooled	ADJ
fsr-3888	150	34	model	model	NOUN
fsr-3888	150	35	.	.	PUNCT
fsr-3888	151	1	if	if	SCONJ
fsr-3888	151	2	the	the	DET
fsr-3888	151	3	net	net	ADJ
fsr-3888	151	4	worth	worth	NOUN
fsr-3888	151	5	of	of	ADP
fsr-3888	151	6	the	the	DET
fsr-3888	151	7	black	black	ADJ
fsr-3888	151	8	households	household	NOUN
fsr-3888	151	9	is	be	AUX
fsr-3888	151	10	constrained	constrain	VERB
fsr-3888	151	11	due	due	ADP
fsr-3888	151	12	to	to	ADP
fsr-3888	151	13	barriers	barrier	NOUN
fsr-3888	151	14	in	in	ADP
fsr-3888	151	15	the	the	DET
fsr-3888	151	16	financial	financial	ADJ
fsr-3888	151	17	markets	market	NOUN
fsr-3888	151	18	,	,	PUNCT
fsr-3888	151	19	the	the	DET
fsr-3888	151	20	constant	constant	ADJ
fsr-3888	151	21	and	and	CCONJ
fsr-3888	151	22	coefficient	coefficient	NOUN
fsr-3888	151	23	effects	effect	NOUN
fsr-3888	151	24	must	must	AUX
fsr-3888	151	25	be	be	AUX
fsr-3888	151	26	statistically	statistically	ADV
fsr-3888	151	27	significant	significant	ADJ
fsr-3888	151	28	and	and	CCONJ
fsr-3888	151	29	have	have	VERB
fsr-3888	151	30	the	the	DET
fsr-3888	151	31	proper	proper	ADJ
fsr-3888	151	32	sign	sign	NOUN
fsr-3888	151	33	.	.	PUNCT
fsr-3888	152	1	given	give	VERB
fsr-3888	152	2	that	that	SCONJ
fsr-3888	152	3	differences	difference	NOUN
fsr-3888	152	4	exist	exist	VERB
fsr-3888	152	5	across	across	ADP
fsr-3888	152	6	the	the	DET
fsr-3888	152	7	races	race	NOUN
fsr-3888	152	8	in	in	ADP
fsr-3888	152	9	levels	level	NOUN
fsr-3888	152	10	of	of	ADP
fsr-3888	152	11	net	net	ADJ
fsr-3888	152	12	worth	worth	NOUN
fsr-3888	152	13	we	we	PRON
fsr-3888	152	14	should	should	AUX
fsr-3888	152	15	observe	observe	VERB
fsr-3888	152	16	different	different	ADJ
fsr-3888	152	17	combinations	combination	NOUN
fsr-3888	152	18	of	of	ADP
fsr-3888	152	19	assets	asset	NOUN
fsr-3888	152	20	and	and	CCONJ
fsr-3888	152	21	liabilities	liability	NOUN
fsr-3888	152	22	used	use	VERB
fsr-3888	152	23	by	by	ADP
fsr-3888	152	24	the	the	DET
fsr-3888	152	25	races	race	NOUN
fsr-3888	152	26	in	in	ADP
fsr-3888	152	27	household	household	NOUN
fsr-3888	152	28	portfolio	portfolio	NOUN
fsr-3888	152	29	construction	construction	NOUN
fsr-3888	152	30	.	.	PUNCT
fsr-3888	153	1	ranking	rank	VERB
fsr-3888	153	2	of	of	ADP
fsr-3888	153	3	asset	asset	NOUN
fsr-3888	153	4	and	and	CCONJ
fsr-3888	153	5	liability	liability	NOUN
fsr-3888	153	6	combinations	combination	NOUN
fsr-3888	153	7	can	can	AUX
fsr-3888	153	8	be	be	AUX
fsr-3888	153	9	done	do	VERB
fsr-3888	153	10	naturally	naturally	ADV
fsr-3888	153	11	by	by	ADP
fsr-3888	153	12	employing	employ	VERB
fsr-3888	153	13	canonical	canonical	ADJ
fsr-3888	153	14	correlation	correlation	NOUN
fsr-3888	153	15	analysis	analysis	NOUN
fsr-3888	153	16	.	.	PUNCT
fsr-3888	154	1	canonical	canonical	ADJ
fsr-3888	154	2	correlation	correlation	NOUN
fsr-3888	154	3	analysis	analysis	NOUN
fsr-3888	154	4	can	can	AUX
fsr-3888	154	5	find	find	VERB
fsr-3888	154	6	linear	linear	ADJ
fsr-3888	154	7	combinations	combination	NOUN
fsr-3888	154	8	of	of	ADP
fsr-3888	154	9	variables	variable	NOUN
fsr-3888	154	10	from	from	ADP
fsr-3888	154	11	both	both	DET
fsr-3888	154	12	sides	side	NOUN
fsr-3888	154	13	of	of	ADP
fsr-3888	154	14	the	the	DET
fsr-3888	154	15	balance	balance	NOUN
fsr-3888	154	16	sheet	sheet	NOUN
fsr-3888	154	17	such	such	ADJ
fsr-3888	154	18	that	that	SCONJ
fsr-3888	154	19	they	they	PRON
fsr-3888	154	20	are	be	AUX
fsr-3888	154	21	maximally	maximally	ADV
fsr-3888	154	22	correlated	correlate	VERB
fsr-3888	154	23	.	.	PUNCT
fsr-3888	155	1	the	the	DET
fsr-3888	155	2	canonical	canonical	ADJ
fsr-3888	155	3	variates	variate	NOUN
fsr-3888	155	4	derived	derive	VERB
fsr-3888	155	5	from	from	ADP
fsr-3888	155	6	the	the	DET
fsr-3888	155	7	canonical	canonical	ADJ
fsr-3888	155	8	correlation	correlation	NOUN
fsr-3888	155	9	analysis	analysis	NOUN
fsr-3888	155	10	are	be	AUX
fsr-3888	155	11	ranked	rank	VERB
fsr-3888	155	12	according	accord	VERB
fsr-3888	155	13	to	to	ADP
fsr-3888	155	14	significance	significance	NOUN
fsr-3888	155	15	and	and	CCONJ
fsr-3888	155	16	are	be	AUX
fsr-3888	155	17	linearly	linearly	ADV
fsr-3888	155	18	independent	independent	ADJ
fsr-3888	155	19	from	from	ADP
fsr-3888	155	20	each	each	DET
fsr-3888	155	21	other	other	ADJ
fsr-3888	155	22	.	.	PUNCT
fsr-3888	156	1	the	the	DET
fsr-3888	156	2	ranking	ranking	NOUN
fsr-3888	156	3	of	of	ADP
fsr-3888	156	4	the	the	DET
fsr-3888	156	5	canonical	canonical	ADJ
fsr-3888	156	6	variates	variate	NOUN
fsr-3888	156	7	allows	allow	VERB
fsr-3888	156	8	the	the	DET
fsr-3888	156	9	ordering	ordering	NOUN
fsr-3888	156	10	preference	preference	NOUN
fsr-3888	156	11	of	of	ADP
fsr-3888	156	12	the	the	DET
fsr-3888	156	13	household	household	NOUN
fsr-3888	156	14	sector	sector	NOUN
fsr-3888	156	15	to	to	PART
fsr-3888	156	16	be	be	AUX
fsr-3888	156	17	revealed	reveal	VERB
fsr-3888	156	18	because	because	SCONJ
fsr-3888	156	19	the	the	DET
fsr-3888	156	20	analysis	analysis	NOUN
fsr-3888	156	21	identifies	identify	VERB
fsr-3888	156	22	,	,	PUNCT
fsr-3888	156	23	in	in	ADP
fsr-3888	156	24	an	an	DET
fsr-3888	156	25	ascending	ascend	VERB
fsr-3888	156	26	order	order	NOUN
fsr-3888	156	27	,	,	PUNCT
fsr-3888	156	28	the	the	DET
fsr-3888	156	29	asset	asset	NOUN
fsr-3888	156	30	and	and	CCONJ
fsr-3888	156	31	liability	liability	NOUN
fsr-3888	156	32	combinations	combination	NOUN
fsr-3888	156	33	that	that	PRON
fsr-3888	156	34	maximize	maximize	VERB
fsr-3888	156	35	the	the	DET
fsr-3888	156	36	value	value	NOUN
fsr-3888	156	37	of	of	ADP
fsr-3888	156	38	the	the	DET
fsr-3888	156	39	household	household	NOUN
fsr-3888	156	40	portfolio	portfolio	NOUN
fsr-3888	156	41	.	.	PUNCT
fsr-3888	157	1	canonical	canonical	ADJ
fsr-3888	157	2	correlation	correlation	NOUN
fsr-3888	157	3	analysis	analysis	NOUN
fsr-3888	157	4	is	be	AUX
fsr-3888	157	5	not	not	PART
fsr-3888	157	6	a	a	DET
fsr-3888	157	7	new	new	ADJ
fsr-3888	157	8	statistical	statistical	ADJ
fsr-3888	157	9	technique	technique	NOUN
fsr-3888	157	10	but	but	CCONJ
fsr-3888	157	11	it	it	PRON
fsr-3888	157	12	has	have	AUX
fsr-3888	157	13	not	not	PART
fsr-3888	157	14	received	receive	VERB
fsr-3888	157	15	a	a	DET
fsr-3888	157	16	great	great	ADJ
fsr-3888	157	17	deal	deal	NOUN
fsr-3888	157	18	of	of	ADP
fsr-3888	157	19	attention	attention	NOUN
fsr-3888	157	20	in	in	ADP
fsr-3888	157	21	the	the	DET
fsr-3888	157	22	finance	finance	NOUN
fsr-3888	157	23	literature	literature	NOUN
fsr-3888	157	24	.	.	PUNCT
fsr-3888	158	1	there	there	PRON
fsr-3888	158	2	are	be	VERB
fsr-3888	158	3	however	however	ADV
fsr-3888	158	4	,	,	PUNCT
fsr-3888	158	5	a	a	DET
fsr-3888	158	6	few	few	ADJ
fsr-3888	158	7	studies	study	NOUN
fsr-3888	158	8	that	that	PRON
fsr-3888	158	9	employ	employ	VERB
fsr-3888	158	10	canonical	canonical	ADJ
fsr-3888	158	11	correlation	correlation	NOUN
fsr-3888	158	12	analysis	analysis	NOUN
fsr-3888	158	13	to	to	PART
fsr-3888	158	14	analyze	analyze	VERB
fsr-3888	158	15	balance	balance	NOUN
fsr-3888	158	16	sheet	sheet	NOUN
fsr-3888	158	17	data	datum	NOUN
fsr-3888	158	18	across	across	ADP
fsr-3888	158	19	different	different	ADJ
fsr-3888	158	20	financial	financial	ADJ
fsr-3888	158	21	entities	entity	NOUN
fsr-3888	158	22	.	.	PUNCT
fsr-3888	159	1	two	two	NUM
fsr-3888	159	2	of	of	ADP
fsr-3888	159	3	the	the	DET
fsr-3888	159	4	most	most	ADV
fsr-3888	159	5	recent	recent	ADJ
fsr-3888	159	6	studies	study	NOUN
fsr-3888	159	7	in	in	ADP
fsr-3888	159	8	this	this	DET
fsr-3888	159	9	vein	vein	NOUN
fsr-3888	159	10	are	be	AUX
fsr-3888	159	11	van	van	PROPN
fsr-3888	159	12	auken	auken	PROPN
fsr-3888	159	13	,	,	PUNCT
fsr-3888	159	14	doran	doran	PROPN
fsr-3888	159	15	,	,	PUNCT
fsr-3888	159	16	and	and	CCONJ
fsr-3888	159	17	yoon	yoon	PROPN
fsr-3888	159	18	(	(	PUNCT
fsr-3888	159	19	1993	1993	NUM
fsr-3888	159	20	)	)	PUNCT
fsr-3888	159	21	who	who	PRON
fsr-3888	159	22	compare	compare	VERB
fsr-3888	159	23	korean	korean	ADJ
fsr-3888	159	24	management	management	NOUN
fsr-3888	159	25	techniques	technique	NOUN
fsr-3888	159	26	to	to	ADP
fsr-3888	159	27	their	their	PRON
fsr-3888	159	28	american	american	ADJ
fsr-3888	159	29	counterparts	counterpart	NOUN
fsr-3888	159	30	for	for	ADP
fsr-3888	159	31	45	45	NUM
fsr-3888	159	32	small	small	ADJ
fsr-3888	159	33	-	-	PUNCT
fsr-3888	159	34	tomedium	tomedium	NOUN
fsr-3888	159	35	-	-	PUNCT
fsr-3888	159	36	sized	sized	ADJ
fsr-3888	159	37	korean	korean	ADJ
fsr-3888	159	38	firms	firm	NOUN
fsr-3888	159	39	and	and	CCONJ
fsr-3888	159	40	adams	adams	PROPN
fsr-3888	159	41	(	(	PUNCT
fsr-3888	159	42	1995	1995	NUM
fsr-3888	159	43	)	)	PUNCT
fsr-3888	159	44	that	that	PRON
fsr-3888	159	45	investigates	investigate	VERB
fsr-3888	159	46	the	the	DET
fsr-3888	159	47	balance	balance	NOUN
fsr-3888	159	48	sheet	sheet	NOUN
fsr-3888	159	49	structure	structure	NOUN
fsr-3888	159	50	and	and	CCONJ
fsr-3888	159	51	tests	test	VERB
fsr-3888	159	52	the	the	DET
fsr-3888	159	53	managerial	managerial	ADJ
fsr-3888	159	54	-	-	PUNCT
fsr-3888	159	55	discretion	discretion	NOUN
fsr-3888	159	56	hypothesis	hypothesis	NOUN
fsr-3888	159	57	using	use	VERB
fsr-3888	159	58	data	datum	NOUN
fsr-3888	159	59	on	on	ADP
fsr-3888	159	60	a	a	DET
fsr-3888	159	61	cross	cross	NOUN
fsr-3888	159	62	-	-	NOUN
fsr-3888	159	63	section	section	NOUN
fsr-3888	159	64	of	of	ADP
fsr-3888	159	65	33	33	NUM
fsr-3888	159	66	new	new	ADJ
fsr-3888	159	67	zealand	zealand	PROPN
fsr-3888	159	68	life	life	PROPN
fsr-3888	159	69	insurance	insurance	NOUN
fsr-3888	159	70	companies	company	NOUN
fsr-3888	159	71	.	.	PUNCT
fsr-3888	160	1	canonical	canonical	ADJ
fsr-3888	160	2	correlation	correlation	NOUN
fsr-3888	160	3	analysis	analysis	NOUN
fsr-3888	160	4	is	be	AUX
fsr-3888	160	5	performed	perform	VERB
fsr-3888	160	6	on	on	ADP
fsr-3888	160	7	two	two	NUM
fsr-3888	160	8	subsamples	subsample	NOUN
fsr-3888	160	9	consisting	consist	VERB
fsr-3888	160	10	of	of	ADP
fsr-3888	160	11	households	household	NOUN
fsr-3888	160	12	whose	whose	DET
fsr-3888	160	13	head	head	NOUN
fsr-3888	160	14	identified	identify	VERB
fsr-3888	160	15	as	as	ADP
fsr-3888	160	16	white	white	ADJ
fsr-3888	160	17	and	and	CCONJ
fsr-3888	160	18	heads	head	NOUN
fsr-3888	160	19	who	who	PRON
fsr-3888	160	20	identified	identify	VERB
fsr-3888	160	21	as	as	ADP
fsr-3888	160	22	black	black	ADJ
fsr-3888	160	23	in	in	ADP
fsr-3888	160	24	an	an	DET
fsr-3888	160	25	effort	effort	NOUN
fsr-3888	160	26	to	to	PART
fsr-3888	160	27	investigate	investigate	VERB
fsr-3888	160	28	whether	whether	SCONJ
fsr-3888	160	29	particular	particular	ADJ
fsr-3888	160	30	demographic	demographic	ADJ
fsr-3888	160	31	characteristics	characteristic	NOUN
fsr-3888	160	32	have	have	VERB
fsr-3888	160	33	an	an	DET
fsr-3888	160	34	effect	effect	NOUN
fsr-3888	160	35	on	on	ADP
fsr-3888	160	36	household	household	NOUN
fsr-3888	160	37	portfolios	portfolio	NOUN
fsr-3888	160	38	.	.	PUNCT
fsr-3888	161	1	the	the	DET
fsr-3888	161	2	number	number	NOUN
fsr-3888	161	3	of	of	ADP
fsr-3888	161	4	observations	observation	NOUN
fsr-3888	161	5	in	in	ADP
fsr-3888	161	6	these	these	DET
fsr-3888	161	7	samples	sample	NOUN
fsr-3888	161	8	is	be	AUX
fsr-3888	161	9	15,738	15,738	NUM
fsr-3888	161	10	and	and	CCONJ
fsr-3888	161	11	1,790	1,790	NUM
fsr-3888	161	12	,	,	PUNCT
fsr-3888	161	13	respectively	respectively	ADV
fsr-3888	161	14	.	.	PUNCT
fsr-3888	162	1	for	for	ADP
fsr-3888	162	2	each	each	DET
fsr-3888	162	3	sample	sample	NOUN
fsr-3888	162	4	of	of	ADP
fsr-3888	162	5	households	household	NOUN
fsr-3888	162	6	,	,	PUNCT
fsr-3888	162	7	six	six	NUM
fsr-3888	162	8	asset	asset	NOUN
fsr-3888	162	9	variables	variable	NOUN
fsr-3888	162	10	,	,	PUNCT
fsr-3888	162	11	five	five	NUM
fsr-3888	162	12	liability	liability	NOUN
fsr-3888	162	13	variables	variable	NOUN
fsr-3888	162	14	and	and	CCONJ
fsr-3888	162	15	the	the	DET
fsr-3888	162	16	age	age	NOUN
fsr-3888	162	17	of	of	ADP
fsr-3888	162	18	the	the	DET
fsr-3888	162	19	head	head	NOUN
fsr-3888	162	20	of	of	ADP
fsr-3888	162	21	households	household	NOUN
fsr-3888	162	22	are	be	AUX
fsr-3888	162	23	used	use	VERB
fsr-3888	162	24	in	in	ADP
fsr-3888	162	25	the	the	DET
fsr-3888	162	26	canonical	canonical	ADJ
fsr-3888	162	27	correlation	correlation	NOUN
fsr-3888	162	28	analysis	analysis	NOUN
fsr-3888	162	29	.	.	PUNCT
fsr-3888	163	1	furthermore	furthermore	ADV
fsr-3888	163	2	,	,	PUNCT
fsr-3888	163	3	to	to	PART
fsr-3888	163	4	standardize	standardize	VERB
fsr-3888	163	5	for	for	ADP
fsr-3888	163	6	size	size	NOUN
fsr-3888	163	7	differences	difference	NOUN
fsr-3888	163	8	all	all	PRON
fsr-3888	163	9	of	of	ADP
fsr-3888	163	10	the	the	DET
fsr-3888	163	11	asset	asset	NOUN
fsr-3888	163	12	and	and	CCONJ
fsr-3888	163	13	liability	liability	NOUN
fsr-3888	163	14	variables	variable	NOUN
fsr-3888	163	15	are	be	AUX
fsr-3888	163	16	divided	divide	VERB
fsr-3888	163	17	by	by	ADP
fsr-3888	163	18	the	the	DET
fsr-3888	163	19	households	household	NOUN
fsr-3888	163	20	net	net	ADJ
fsr-3888	163	21	worth	worth	NOUN
fsr-3888	163	22	in	in	ADP
fsr-3888	163	23	the	the	DET
fsr-3888	163	24	canonical	canonical	ADJ
fsr-3888	163	25	correlation	correlation	NOUN
fsr-3888	163	26	analysis	analysis	NOUN
fsr-3888	163	27	.	.	PUNCT
fsr-3888	164	1	different	different	ADJ
fsr-3888	164	2	asset	asset	NOUN
fsr-3888	164	3	and	and	CCONJ
fsr-3888	164	4	liability	liability	NOUN
fsr-3888	164	5	combinations	combination	NOUN
fsr-3888	164	6	may	may	AUX
fsr-3888	164	7	be	be	AUX
fsr-3888	164	8	caused	cause	VERB
fsr-3888	164	9	by	by	ADP
fsr-3888	164	10	individual	individual	ADJ
fsr-3888	164	11	choices	choice	NOUN
fsr-3888	164	12	.	.	PUNCT
fsr-3888	165	1	a	a	DET
fsr-3888	165	2	driving	drive	VERB
fsr-3888	165	3	force	force	NOUN
fsr-3888	165	4	in	in	ADP
fsr-3888	165	5	an	an	DET
fsr-3888	165	6	individual	individual	NOUN
fsr-3888	165	7	’s	’s	PART
fsr-3888	165	8	choice	choice	NOUN
fsr-3888	165	9	is	be	AUX
fsr-3888	165	10	that	that	SCONJ
fsr-3888	165	11	individual	individual	NOUN
fsr-3888	165	12	’s	’s	PART
fsr-3888	165	13	level	level	NOUN
fsr-3888	165	14	of	of	ADP
fsr-3888	165	15	risk	risk	NOUN
fsr-3888	165	16	aversion	aversion	NOUN
fsr-3888	165	17	.	.	PUNCT
fsr-3888	166	1	classic	classic	ADJ
fsr-3888	166	2	financial	financial	ADJ
fsr-3888	166	3	theory	theory	NOUN
fsr-3888	166	4	predicts	predict	VERB
fsr-3888	166	5	that	that	SCONJ
fsr-3888	166	6	the	the	PRON
fsr-3888	166	7	higher	high	ADJ
fsr-3888	166	8	the	the	DET
fsr-3888	166	9	level	level	NOUN
fsr-3888	166	10	of	of	ADP
fsr-3888	166	11	systematic	systematic	ADJ
fsr-3888	166	12	risk	risk	NOUN
fsr-3888	166	13	accepted	accept	VERB
fsr-3888	166	14	the	the	DET
fsr-3888	166	15	higher	high	ADJ
fsr-3888	166	16	the	the	DET
fsr-3888	166	17	expected	expect	VERB
fsr-3888	166	18	return	return	NOUN
fsr-3888	166	19	.	.	PUNCT
fsr-3888	167	1	friend	friend	NOUN
fsr-3888	167	2	and	and	CCONJ
fsr-3888	167	3	blume	blume	PROPN
fsr-3888	167	4	(	(	PUNCT
fsr-3888	167	5	1975	1975	NUM
fsr-3888	167	6	)	)	PUNCT
fsr-3888	167	7	and	and	CCONJ
fsr-3888	167	8	more	more	ADV
fsr-3888	167	9	recently	recently	ADV
fsr-3888	167	10	schooley	schooley	NOUN
fsr-3888	167	11	and	and	CCONJ
fsr-3888	167	12	worden	worden	NOUN
fsr-3888	167	13	(	(	PUNCT
fsr-3888	167	14	1996	1996	NUM
fsr-3888	167	15	)	)	PUNCT
fsr-3888	167	16	use	use	VERB
fsr-3888	167	17	a	a	DET
fsr-3888	167	18	measure	measure	NOUN
fsr-3888	167	19	of	of	ADP
fsr-3888	167	20	risky	risky	ADJ
fsr-3888	167	21	assets	asset	NOUN
fsr-3888	167	22	to	to	AUX
fsr-3888	167	23	net	net	VERB
fsr-3888	167	24	worth	worth	NOUN
fsr-3888	167	25	to	to	PART
fsr-3888	167	26	obtain	obtain	VERB
fsr-3888	167	27	a	a	DET
fsr-3888	167	28	measure	measure	NOUN
fsr-3888	167	29	of	of	ADP
fsr-3888	167	30	risk	risk	NOUN
fsr-3888	167	31	aversion	aversion	NOUN
fsr-3888	167	32	for	for	ADP
fsr-3888	167	33	households	household	NOUN
fsr-3888	167	34	.	.	PUNCT
fsr-3888	168	1	schooley	schooley	NOUN
fsr-3888	168	2	and	and	CCONJ
fsr-3888	168	3	worden	worden	NOUN
fsr-3888	168	4	(	(	PUNCT
fsr-3888	168	5	1996	1996	NUM
fsr-3888	168	6	)	)	PUNCT
fsr-3888	168	7	demonstrate	demonstrate	VERB
fsr-3888	168	8	that	that	SCONJ
fsr-3888	168	9	household	household	NOUN
fsr-3888	168	10	portfolio	portfolio	NOUN
fsr-3888	168	11	allocations	allocation	NOUN
fsr-3888	168	12	are	be	AUX
fsr-3888	168	13	reliable	reliable	ADJ
fsr-3888	168	14	indicators	indicator	NOUN
fsr-3888	168	15	of	of	ADP
fsr-3888	168	16	attitudes	attitude	NOUN
fsr-3888	168	17	toward	toward	ADP
fsr-3888	168	18	risk	risk	NOUN
fsr-3888	168	19	.	.	PUNCT
fsr-3888	169	1	this	this	PRON
fsr-3888	169	2	implies	imply	VERB
fsr-3888	169	3	that	that	SCONJ
fsr-3888	169	4	household	household	NOUN
fsr-3888	169	5	asset	asset	NOUN
fsr-3888	169	6	allocations	allocation	NOUN
fsr-3888	169	7	can	can	AUX
fsr-3888	169	8	be	be	AUX
fsr-3888	169	9	utilized	utilize	VERB
fsr-3888	169	10	to	to	PART
fsr-3888	169	11	reveal	reveal	VERB
fsr-3888	169	12	the	the	DET
fsr-3888	169	13	households	household	NOUN
fsr-3888	169	14	relative	relative	ADJ
fsr-3888	169	15	level	level	NOUN
fsr-3888	169	16	of	of	ADP
fsr-3888	169	17	risk	risk	NOUN
fsr-3888	169	18	taking	taking	NOUN
fsr-3888	169	19	.	.	PUNCT
fsr-3888	170	1	we	we	PRON
fsr-3888	170	2	employ	employ	VERB
fsr-3888	170	3	a	a	DET
fsr-3888	170	4	similar	similar	ADJ
fsr-3888	170	5	analysis	analysis	NOUN
fsr-3888	170	6	135y.a	135y.a	NUM
fsr-3888	170	7	.	.	PUNCT
fsr-3888	171	1	badu	badu	PROPN
fsr-3888	171	2	et	et	PROPN
fsr-3888	171	3	al	al	PROPN
fsr-3888	171	4	.	.	PUNCT
fsr-3888	171	5	/	/	SYM
fsr-3888	171	6	financial	financial	ADJ
fsr-3888	171	7	services	service	NOUN
fsr-3888	171	8	review	review	VERB
fsr-3888	171	9	8	8	NUM
fsr-3888	171	10	(	(	PUNCT
fsr-3888	171	11	1999	1999	NUM
fsr-3888	171	12	)	)	PUNCT
fsr-3888	171	13	129–147	129–147	NUM
fsr-3888	171	14	to	to	PART
fsr-3888	171	15	determine	determine	VERB
fsr-3888	171	16	the	the	DET
fsr-3888	171	17	’	'	PUNCT
fsr-3888	171	18	risk	risk	NOUN
fsr-3888	171	19	aversion	aversion	NOUN
fsr-3888	171	20	’	'	PUNCT
fsr-3888	171	21	coefficient	coefficient	NOUN
fsr-3888	171	22	for	for	ADP
fsr-3888	171	23	the	the	DET
fsr-3888	171	24	households	household	NOUN
fsr-3888	171	25	in	in	ADP
fsr-3888	171	26	our	our	PRON
fsr-3888	171	27	sample	sample	NOUN
fsr-3888	171	28	.	.	PUNCT
fsr-3888	172	1	several	several	ADJ
fsr-3888	172	2	different	different	ADJ
fsr-3888	172	3	risk	risk	NOUN
fsr-3888	172	4	aversion	aversion	NOUN
fsr-3888	172	5	coefficients	coefficient	NOUN
fsr-3888	172	6	are	be	AUX
fsr-3888	172	7	investigated	investigate	VERB
fsr-3888	172	8	.	.	PUNCT
fsr-3888	173	1	first	first	ADV
fsr-3888	173	2	,	,	PUNCT
fsr-3888	173	3	the	the	DET
fsr-3888	173	4	least	least	ADV
fsr-3888	173	5	restrictive	restrictive	ADJ
fsr-3888	173	6	measure	measure	NOUN
fsr-3888	173	7	uses	use	VERB
fsr-3888	173	8	a	a	DET
fsr-3888	173	9	household	household	NOUN
fsr-3888	173	10	’s	’s	PART
fsr-3888	173	11	assets	asset	NOUN
fsr-3888	173	12	in	in	ADP
fsr-3888	173	13	common	common	ADJ
fsr-3888	173	14	stock	stock	NOUN
fsr-3888	173	15	,	,	PUNCT
fsr-3888	173	16	real	real	ADJ
fsr-3888	173	17	estate	estate	NOUN
fsr-3888	173	18	other	other	ADJ
fsr-3888	173	19	than	than	ADP
fsr-3888	173	20	primary	primary	ADJ
fsr-3888	173	21	and	and	CCONJ
fsr-3888	173	22	secondary	secondary	ADJ
fsr-3888	173	23	residents	resident	NOUN
fsr-3888	173	24	,	,	PUNCT
fsr-3888	173	25	business	business	NOUN
fsr-3888	173	26	investments	investment	NOUN
fsr-3888	173	27	,	,	PUNCT
fsr-3888	173	28	mutual	mutual	ADJ
fsr-3888	173	29	fund	fund	NOUN
fsr-3888	173	30	investments	investment	NOUN
fsr-3888	173	31	and	and	CCONJ
fsr-3888	173	32	quasi	quasi	ADJ
fsr-3888	173	33	-	-	ADJ
fsr-3888	173	34	liquid	liquid	ADJ
fsr-3888	173	35	retirement	retirement	NOUN
fsr-3888	173	36	funds	fund	NOUN
fsr-3888	173	37	as	as	ADP
fsr-3888	173	38	a	a	DET
fsr-3888	173	39	ratio	ratio	NOUN
fsr-3888	173	40	of	of	ADP
fsr-3888	173	41	net	net	ADJ
fsr-3888	173	42	worth	worth	NOUN
fsr-3888	173	43	.	.	PUNCT
fsr-3888	174	1	the	the	DET
fsr-3888	174	2	second	second	ADJ
fsr-3888	174	3	measure	measure	NOUN
fsr-3888	174	4	excludes	exclude	VERB
fsr-3888	174	5	the	the	DET
fsr-3888	174	6	quasi	quasi	ADJ
fsr-3888	174	7	-	-	ADJ
fsr-3888	174	8	liquid	liquid	ADJ
fsr-3888	174	9	retirement	retirement	NOUN
fsr-3888	174	10	funds	fund	NOUN
fsr-3888	174	11	from	from	ADP
fsr-3888	174	12	the	the	DET
fsr-3888	174	13	risky	risky	ADJ
fsr-3888	174	14	portfolio	portfolio	NOUN
fsr-3888	174	15	.	.	PUNCT
fsr-3888	175	1	the	the	DET
fsr-3888	175	2	reason	reason	NOUN
fsr-3888	175	3	this	this	DET
fsr-3888	175	4	asset	asset	NOUN
fsr-3888	175	5	is	be	AUX
fsr-3888	175	6	excluded	exclude	VERB
fsr-3888	175	7	is	be	AUX
fsr-3888	175	8	that	that	SCONJ
fsr-3888	175	9	with	with	ADP
fsr-3888	175	10	the	the	DET
fsr-3888	175	11	data	datum	NOUN
fsr-3888	175	12	set	set	VERB
fsr-3888	175	13	utilized	utilize	VERB
fsr-3888	175	14	here	here	ADV
fsr-3888	175	15	it	it	PRON
fsr-3888	175	16	is	be	AUX
fsr-3888	175	17	impossible	impossible	ADJ
fsr-3888	175	18	to	to	PART
fsr-3888	175	19	determine	determine	VERB
fsr-3888	175	20	the	the	DET
fsr-3888	175	21	composition	composition	NOUN
fsr-3888	175	22	of	of	ADP
fsr-3888	175	23	these	these	DET
fsr-3888	175	24	funds	fund	NOUN
fsr-3888	175	25	and	and	CCONJ
fsr-3888	175	26	their	their	PRON
fsr-3888	175	27	liquidity	liquidity	NOUN
fsr-3888	175	28	lowers	lower	VERB
fsr-3888	175	29	their	their	PRON
fsr-3888	175	30	relative	relative	ADJ
fsr-3888	175	31	risk	risk	NOUN
fsr-3888	175	32	.	.	PUNCT
fsr-3888	176	1	the	the	DET
fsr-3888	176	2	third	third	ADJ
fsr-3888	176	3	,	,	PUNCT
fsr-3888	176	4	and	and	CCONJ
fsr-3888	176	5	most	most	ADV
fsr-3888	176	6	restrictive	restrictive	ADJ
fsr-3888	176	7	measure	measure	NOUN
fsr-3888	176	8	of	of	ADP
fsr-3888	176	9	risk	risk	NOUN
fsr-3888	176	10	tolerance	tolerance	NOUN
fsr-3888	176	11	includes	include	VERB
fsr-3888	176	12	only	only	ADV
fsr-3888	176	13	common	common	ADJ
fsr-3888	176	14	stock	stock	NOUN
fsr-3888	176	15	,	,	PUNCT
fsr-3888	176	16	real	real	ADJ
fsr-3888	176	17	estate	estate	NOUN
fsr-3888	176	18	and	and	CCONJ
fsr-3888	176	19	business	business	NOUN
fsr-3888	176	20	investments	investment	NOUN
fsr-3888	176	21	in	in	ADP
fsr-3888	176	22	the	the	DET
fsr-3888	176	23	risky	risky	ADJ
fsr-3888	176	24	asset	asset	NOUN
fsr-3888	176	25	portfolio	portfolio	NOUN
fsr-3888	176	26	.	.	PUNCT
fsr-3888	177	1	these	these	DET
fsr-3888	177	2	risk	risk	NOUN
fsr-3888	177	3	tolerance	tolerance	NOUN
fsr-3888	177	4	measures	measure	NOUN
fsr-3888	177	5	are	be	AUX
fsr-3888	177	6	then	then	ADV
fsr-3888	177	7	calculated	calculate	VERB
fsr-3888	177	8	for	for	ADP
fsr-3888	177	9	each	each	DET
fsr-3888	177	10	racial	racial	ADJ
fsr-3888	177	11	group	group	NOUN
fsr-3888	177	12	and	and	CCONJ
fsr-3888	177	13	compared	compare	VERB
fsr-3888	177	14	.	.	PUNCT
fsr-3888	178	1	other	other	ADJ
fsr-3888	178	2	possible	possible	ADJ
fsr-3888	178	3	sources	source	NOUN
fsr-3888	178	4	of	of	ADP
fsr-3888	178	5	differences	difference	NOUN
fsr-3888	178	6	in	in	ADP
fsr-3888	178	7	portfolio	portfolio	NOUN
fsr-3888	178	8	formation	formation	NOUN
fsr-3888	178	9	strategies	strategy	NOUN
fsr-3888	178	10	and	and	CCONJ
fsr-3888	178	11	net	net	ADJ
fsr-3888	178	12	worth	worth	ADJ
fsr-3888	178	13	accumulation	accumulation	NOUN
fsr-3888	178	14	are	be	AUX
fsr-3888	178	15	a	a	DET
fsr-3888	178	16	household	household	NOUN
fsr-3888	178	17	’s	’s	PART
fsr-3888	178	18	self	self	NOUN
fsr-3888	178	19	-	-	PUNCT
fsr-3888	178	20	imposed	impose	VERB
fsr-3888	178	21	liquidity	liquidity	NOUN
fsr-3888	178	22	constraints	constraint	NOUN
fsr-3888	178	23	(	(	PUNCT
fsr-3888	178	24	attitudes	attitude	NOUN
fsr-3888	178	25	toward	toward	ADP
fsr-3888	178	26	debt	debt	NOUN
fsr-3888	178	27	)	)	PUNCT
fsr-3888	178	28	,	,	PUNCT
fsr-3888	178	29	level	level	NOUN
fsr-3888	178	30	of	of	ADP
fsr-3888	178	31	inertia	inertia	NOUN
fsr-3888	178	32	in	in	ADP
fsr-3888	178	33	financial	financial	ADJ
fsr-3888	178	34	market	market	NOUN
fsr-3888	178	35	activity	activity	NOUN
fsr-3888	178	36	,	,	PUNCT
fsr-3888	178	37	and	and	CCONJ
fsr-3888	178	38	level	level	NOUN
fsr-3888	178	39	and	and	CCONJ
fsr-3888	178	40	utilization	utilization	NOUN
fsr-3888	178	41	of	of	ADP
fsr-3888	178	42	information	information	NOUN
fsr-3888	178	43	concerning	concern	VERB
fsr-3888	178	44	the	the	DET
fsr-3888	178	45	financial	financial	ADJ
fsr-3888	178	46	markets	market	NOUN
fsr-3888	178	47	.	.	PUNCT
fsr-3888	179	1	the	the	DET
fsr-3888	179	2	scf	scf	PROPN
fsr-3888	179	3	’s	’s	PART
fsr-3888	179	4	structure	structure	NOUN
fsr-3888	179	5	lends	lend	VERB
fsr-3888	179	6	it	it	PRON
fsr-3888	179	7	self	self	NOUN
fsr-3888	179	8	to	to	ADP
fsr-3888	179	9	several	several	ADJ
fsr-3888	179	10	types	type	NOUN
fsr-3888	179	11	of	of	ADP
fsr-3888	179	12	investigations	investigation	NOUN
fsr-3888	179	13	into	into	ADP
fsr-3888	179	14	these	these	DET
fsr-3888	179	15	particular	particular	ADJ
fsr-3888	179	16	areas	area	NOUN
fsr-3888	179	17	.	.	PUNCT
fsr-3888	180	1	standard	standard	ADJ
fsr-3888	180	2	nonparametric	nonparametric	ADJ
fsr-3888	180	3	statistical	statistical	ADJ
fsr-3888	180	4	tests	test	NOUN
fsr-3888	180	5	are	be	AUX
fsr-3888	180	6	applied	apply	VERB
fsr-3888	180	7	to	to	ADP
fsr-3888	180	8	several	several	ADJ
fsr-3888	180	9	different	different	ADJ
fsr-3888	180	10	categories	category	NOUN
fsr-3888	180	11	of	of	ADP
fsr-3888	180	12	data	datum	NOUN
fsr-3888	180	13	.	.	PUNCT
fsr-3888	181	1	we	we	PRON
fsr-3888	181	2	examine	examine	VERB
fsr-3888	181	3	whether	whether	SCONJ
fsr-3888	181	4	a	a	DET
fsr-3888	181	5	yield	yield	NOUN
fsr-3888	181	6	differential	differential	NOUN
fsr-3888	181	7	exists	exist	VERB
fsr-3888	181	8	between	between	ADP
fsr-3888	181	9	the	the	DET
fsr-3888	181	10	races	race	NOUN
fsr-3888	181	11	for	for	ADP
fsr-3888	181	12	similar	similar	ADJ
fsr-3888	181	13	liabilities	liability	NOUN
fsr-3888	181	14	.	.	PUNCT
fsr-3888	182	1	we	we	PRON
fsr-3888	182	2	compare	compare	VERB
fsr-3888	182	3	percentage	percentage	NOUN
fsr-3888	182	4	yields	yield	NOUN
fsr-3888	182	5	for	for	ADP
fsr-3888	182	6	first	first	ADJ
fsr-3888	182	7	mortgages	mortgage	NOUN
fsr-3888	182	8	and	and	CCONJ
fsr-3888	182	9	a	a	DET
fsr-3888	182	10	list	list	NOUN
fsr-3888	182	11	of	of	ADP
fsr-3888	182	12	installment	installment	NOUN
fsr-3888	182	13	credits	credit	NOUN
fsr-3888	182	14	available	available	ADJ
fsr-3888	182	15	to	to	ADP
fsr-3888	182	16	households	household	NOUN
fsr-3888	182	17	in	in	ADP
fsr-3888	182	18	this	this	DET
fsr-3888	182	19	survey	survey	NOUN
fsr-3888	182	20	.	.	PUNCT
fsr-3888	183	1	we	we	PRON
fsr-3888	183	2	attempt	attempt	VERB
fsr-3888	183	3	to	to	PART
fsr-3888	183	4	determine	determine	VERB
fsr-3888	183	5	the	the	DET
fsr-3888	183	6	households	household	NOUN
fsr-3888	183	7	attitude	attitude	NOUN
fsr-3888	183	8	toward	toward	ADP
fsr-3888	183	9	debt	debt	NOUN
fsr-3888	183	10	by	by	ADP
fsr-3888	183	11	examining	examine	VERB
fsr-3888	183	12	household	household	NOUN
fsr-3888	183	13	responses	response	NOUN
fsr-3888	183	14	to	to	ADP
fsr-3888	183	15	specific	specific	ADJ
fsr-3888	183	16	questions	question	NOUN
fsr-3888	183	17	posed	pose	VERB
fsr-3888	183	18	by	by	ADP
fsr-3888	183	19	the	the	DET
fsr-3888	183	20	survey	survey	NOUN
fsr-3888	183	21	.	.	PUNCT
fsr-3888	184	1	these	these	DET
fsr-3888	184	2	questions	question	NOUN
fsr-3888	184	3	ask	ask	VERB
fsr-3888	184	4	the	the	DET
fsr-3888	184	5	head	head	NOUN
fsr-3888	184	6	of	of	ADP
fsr-3888	184	7	the	the	DET
fsr-3888	184	8	households	household	NOUN
fsr-3888	184	9	:	:	PUNCT
fsr-3888	184	10	“	"	PUNCT
fsr-3888	184	11	how	how	SCONJ
fsr-3888	184	12	do	do	AUX
fsr-3888	184	13	you	you	PRON
fsr-3888	184	14	feel	feel	VERB
fsr-3888	184	15	about	about	ADP
fsr-3888	184	16	credit	credit	NOUN
fsr-3888	184	17	?	?	PUNCT
fsr-3888	184	18	;	;	PUNCT
fsr-3888	184	19	”	"	PUNCT
fsr-3888	184	20	and	and	CCONJ
fsr-3888	184	21	“	"	PUNCT
fsr-3888	184	22	do	do	AUX
fsr-3888	184	23	you	you	PRON
fsr-3888	184	24	think	think	VERB
fsr-3888	184	25	it	it	PRON
fsr-3888	184	26	is	be	AUX
fsr-3888	184	27	a	a	DET
fsr-3888	184	28	good	good	ADJ
fsr-3888	184	29	idea	idea	NOUN
fsr-3888	184	30	to	to	PART
fsr-3888	184	31	borrow	borrow	VERB
fsr-3888	184	32	for	for	ADP
fsr-3888	184	33	vacations	vacation	NOUN
fsr-3888	184	34	,	,	PUNCT
fsr-3888	184	35	living	living	NOUN
fsr-3888	184	36	expenses	expense	NOUN
fsr-3888	184	37	,	,	PUNCT
fsr-3888	184	38	fur	fur	NOUN
fsr-3888	184	39	coats	coat	NOUN
fsr-3888	184	40	,	,	PUNCT
fsr-3888	184	41	cars	car	NOUN
fsr-3888	184	42	or	or	CCONJ
fsr-3888	184	43	educational	educational	ADJ
fsr-3888	184	44	expenses	expense	NOUN
fsr-3888	184	45	?	?	PUNCT
fsr-3888	184	46	”	"	PUNCT
fsr-3888	184	47	we	we	PRON
fsr-3888	184	48	then	then	ADV
fsr-3888	184	49	investigate	investigate	VERB
fsr-3888	184	50	whether	whether	SCONJ
fsr-3888	184	51	a	a	DET
fsr-3888	184	52	household	household	NOUN
fsr-3888	184	53	has	have	AUX
fsr-3888	184	54	been	be	AUX
fsr-3888	184	55	turned	turn	VERB
fsr-3888	184	56	down	down	ADP
fsr-3888	184	57	for	for	ADP
fsr-3888	184	58	a	a	DET
fsr-3888	184	59	loan	loan	NOUN
fsr-3888	184	60	in	in	ADP
fsr-3888	184	61	the	the	DET
fsr-3888	184	62	past	past	ADJ
fsr-3888	184	63	five	five	NUM
fsr-3888	184	64	years	year	NOUN
fsr-3888	184	65	and	and	CCONJ
fsr-3888	184	66	whether	whether	SCONJ
fsr-3888	184	67	the	the	DET
fsr-3888	184	68	household	household	NOUN
fsr-3888	184	69	conducted	conduct	VERB
fsr-3888	184	70	an	an	DET
fsr-3888	184	71	active	active	ADJ
fsr-3888	184	72	search	search	NOUN
fsr-3888	184	73	of	of	ADP
fsr-3888	184	74	the	the	DET
fsr-3888	184	75	financial	financial	ADJ
fsr-3888	184	76	markets	market	NOUN
fsr-3888	184	77	for	for	ADP
fsr-3888	184	78	the	the	DET
fsr-3888	184	79	best	good	ADJ
fsr-3888	184	80	rate	rate	NOUN
fsr-3888	184	81	available	available	ADJ
fsr-3888	184	82	.	.	PUNCT
fsr-3888	185	1	4	4	X
fsr-3888	185	2	.	.	X
fsr-3888	185	3	empirical	empirical	ADJ
fsr-3888	185	4	results	result	NOUN
fsr-3888	185	5	definitions	definition	NOUN
fsr-3888	185	6	of	of	ADP
fsr-3888	185	7	all	all	DET
fsr-3888	185	8	variables	variable	NOUN
fsr-3888	185	9	appear	appear	VERB
fsr-3888	185	10	in	in	ADP
fsr-3888	185	11	table	table	NOUN
fsr-3888	185	12	1	1	NUM
fsr-3888	185	13	.	.	PUNCT
fsr-3888	185	14	descriptive	descriptive	ADJ
fsr-3888	185	15	statistics	statistic	NOUN
fsr-3888	185	16	of	of	ADP
fsr-3888	185	17	all	all	DET
fsr-3888	185	18	the	the	DET
fsr-3888	185	19	portfolio	portfolio	NOUN
fsr-3888	185	20	variables	variable	VERB
fsr-3888	185	21	for	for	ADP
fsr-3888	185	22	the	the	DET
fsr-3888	185	23	two	two	NUM
fsr-3888	185	24	race	race	NOUN
fsr-3888	185	25	subsamples	subsample	NOUN
fsr-3888	185	26	are	be	AUX
fsr-3888	185	27	presented	present	VERB
fsr-3888	185	28	in	in	ADP
fsr-3888	185	29	table	table	NOUN
fsr-3888	185	30	2	2	NUM
fsr-3888	185	31	.	.	PUNCT
fsr-3888	186	1	the	the	DET
fsr-3888	186	2	data	datum	NOUN
fsr-3888	186	3	show	show	VERB
fsr-3888	186	4	that	that	SCONJ
fsr-3888	186	5	households	household	NOUN
fsr-3888	186	6	headed	head	VERB
fsr-3888	186	7	by	by	ADP
fsr-3888	186	8	whites	white	NOUN
fsr-3888	186	9	had	have	VERB
fsr-3888	186	10	significantly	significantly	ADV
fsr-3888	186	11	larger	large	ADJ
fsr-3888	186	12	mean	mean	VERB
fsr-3888	186	13	asset	asset	NOUN
fsr-3888	186	14	and	and	CCONJ
fsr-3888	186	15	liability	liability	NOUN
fsr-3888	186	16	values	value	NOUN
fsr-3888	186	17	than	than	SCONJ
fsr-3888	186	18	do	do	VERB
fsr-3888	186	19	households	household	NOUN
fsr-3888	186	20	headed	head	VERB
fsr-3888	186	21	by	by	ADP
fsr-3888	186	22	blacks	black	NOUN
fsr-3888	186	23	for	for	ADP
fsr-3888	186	24	every	every	DET
fsr-3888	186	25	category	category	NOUN
fsr-3888	186	26	.	.	PUNCT
fsr-3888	187	1	indeed	indeed	ADV
fsr-3888	187	2	,	,	PUNCT
fsr-3888	187	3	these	these	DET
fsr-3888	187	4	inequalities	inequality	NOUN
fsr-3888	187	5	are	be	AUX
fsr-3888	187	6	much	much	ADV
fsr-3888	187	7	more	more	ADV
fsr-3888	187	8	dramatic	dramatic	ADJ
fsr-3888	187	9	in	in	ADP
fsr-3888	187	10	the	the	DET
fsr-3888	187	11	asset	asset	NOUN
fsr-3888	187	12	categories	category	NOUN
fsr-3888	187	13	,	,	PUNCT
fsr-3888	187	14	with	with	SCONJ
fsr-3888	187	15	the	the	DET
fsr-3888	187	16	mean	mean	ADJ
fsr-3888	187	17	value	value	NOUN
fsr-3888	187	18	for	for	ADP
fsr-3888	187	19	vehicles	vehicle	NOUN
fsr-3888	187	20	for	for	ADP
fsr-3888	187	21	blacks	black	NOUN
fsr-3888	187	22	is	be	AUX
fsr-3888	187	23	18.9	18.9	NUM
fsr-3888	187	24	%	%	NOUN
fsr-3888	187	25	of	of	ADP
fsr-3888	187	26	the	the	DET
fsr-3888	187	27	mean	mean	ADJ
fsr-3888	187	28	value	value	NOUN
fsr-3888	187	29	for	for	ADP
fsr-3888	187	30	whites	white	NOUN
fsr-3888	187	31	and	and	CCONJ
fsr-3888	187	32	home	home	NOUN
fsr-3888	187	33	sites	site	NOUN
fsr-3888	187	34	for	for	ADP
fsr-3888	187	35	blacks	black	NOUN
fsr-3888	187	36	is	be	AUX
fsr-3888	187	37	14.5	14.5	NUM
fsr-3888	187	38	%	%	NOUN
fsr-3888	187	39	of	of	ADP
fsr-3888	187	40	the	the	DET
fsr-3888	187	41	mean	mean	ADJ
fsr-3888	187	42	value	value	NOUN
fsr-3888	187	43	for	for	ADP
fsr-3888	187	44	whites	white	NOUN
fsr-3888	187	45	.	.	PUNCT
fsr-3888	188	1	all	all	DET
fsr-3888	188	2	other	other	ADJ
fsr-3888	188	3	assets	asset	NOUN
fsr-3888	188	4	comparisons	comparison	NOUN
fsr-3888	188	5	show	show	VERB
fsr-3888	188	6	that	that	SCONJ
fsr-3888	188	7	blacks	black	NOUN
fsr-3888	188	8	have	have	VERB
fsr-3888	188	9	less	less	ADJ
fsr-3888	188	10	than	than	ADP
fsr-3888	188	11	3	3	NUM
fsr-3888	188	12	%	%	NOUN
fsr-3888	188	13	of	of	ADP
fsr-3888	188	14	the	the	DET
fsr-3888	188	15	asset	asset	NOUN
fsr-3888	188	16	totals	total	NOUN
fsr-3888	188	17	of	of	ADP
fsr-3888	188	18	whites	white	NOUN
fsr-3888	188	19	.	.	PUNCT
fsr-3888	189	1	the	the	DET
fsr-3888	189	2	comparisons	comparison	NOUN
fsr-3888	189	3	of	of	ADP
fsr-3888	189	4	mean	mean	ADJ
fsr-3888	189	5	liabilities	liability	NOUN
fsr-3888	189	6	show	show	VERB
fsr-3888	189	7	that	that	SCONJ
fsr-3888	189	8	blacks	black	NOUN
fsr-3888	189	9	have	have	VERB
fsr-3888	189	10	45	45	NUM
fsr-3888	189	11	%	%	NOUN
fsr-3888	189	12	of	of	ADP
fsr-3888	189	13	the	the	DET
fsr-3888	189	14	mean	mean	ADJ
fsr-3888	189	15	value	value	NOUN
fsr-3888	189	16	of	of	ADP
fsr-3888	189	17	credit	credit	NOUN
fsr-3888	189	18	card	card	NOUN
fsr-3888	189	19	balances	balance	NOUN
fsr-3888	189	20	,	,	PUNCT
fsr-3888	189	21	32	32	NUM
fsr-3888	189	22	%	%	NOUN
fsr-3888	189	23	of	of	ADP
fsr-3888	189	24	the	the	DET
fsr-3888	189	25	mean	mean	ADJ
fsr-3888	189	26	value	value	NOUN
fsr-3888	189	27	of	of	ADP
fsr-3888	189	28	installment	installment	NOUN
fsr-3888	189	29	credit	credit	NOUN
fsr-3888	189	30	other	other	ADJ
fsr-3888	189	31	than	than	ADP
fsr-3888	189	32	mortgages	mortgage	NOUN
fsr-3888	189	33	,	,	PUNCT
fsr-3888	189	34	and	and	CCONJ
fsr-3888	189	35	26	26	NUM
fsr-3888	189	36	%	%	NOUN
fsr-3888	189	37	of	of	ADP
fsr-3888	189	38	the	the	DET
fsr-3888	189	39	mean	mean	ADJ
fsr-3888	189	40	value	value	NOUN
fsr-3888	189	41	of	of	ADP
fsr-3888	189	42	mortgages	mortgage	NOUN
fsr-3888	189	43	using	use	VERB
fsr-3888	189	44	principal	principal	ADJ
fsr-3888	189	45	residence	residence	NOUN
fsr-3888	189	46	as	as	ADP
fsr-3888	189	47	collateral	collateral	NOUN
fsr-3888	189	48	.	.	PUNCT
fsr-3888	190	1	it	it	PRON
fsr-3888	190	2	is	be	AUX
fsr-3888	190	3	interesting	interesting	ADJ
fsr-3888	190	4	to	to	PART
fsr-3888	190	5	note	note	VERB
fsr-3888	190	6	credit	credit	NOUN
fsr-3888	190	7	card	card	NOUN
fsr-3888	190	8	balances	balance	NOUN
fsr-3888	190	9	and	and	CCONJ
fsr-3888	190	10	installment	installment	NOUN
fsr-3888	190	11	credit	credit	NOUN
fsr-3888	190	12	other	other	ADJ
fsr-3888	190	13	than	than	ADP
fsr-3888	190	14	mortgages	mortgage	NOUN
fsr-3888	190	15	are	be	AUX
fsr-3888	190	16	typically	typically	ADV
fsr-3888	190	17	the	the	DET
fsr-3888	190	18	more	more	ADV
fsr-3888	190	19	expensive	expensive	ADJ
fsr-3888	190	20	methods	method	NOUN
fsr-3888	190	21	of	of	ADP
fsr-3888	190	22	incurring	incur	VERB
fsr-3888	190	23	liabilities	liability	NOUN
fsr-3888	190	24	that	that	PRON
fsr-3888	190	25	households	household	NOUN
fsr-3888	190	26	face	face	VERB
fsr-3888	190	27	.	.	PUNCT
fsr-3888	191	1	this	this	PRON
fsr-3888	191	2	may	may	AUX
fsr-3888	191	3	indicate	indicate	VERB
fsr-3888	191	4	that	that	SCONJ
fsr-3888	191	5	not	not	PART
fsr-3888	191	6	only	only	ADV
fsr-3888	191	7	do	do	AUX
fsr-3888	191	8	black	black	ADJ
fsr-3888	191	9	households	household	NOUN
fsr-3888	191	10	have	have	VERB
fsr-3888	191	11	smaller	small	ADJ
fsr-3888	191	12	asset	asset	NOUN
fsr-3888	191	13	portfolios	portfolio	NOUN
fsr-3888	191	14	but	but	CCONJ
fsr-3888	191	15	have	have	VERB
fsr-3888	191	16	less	less	ADJ
fsr-3888	191	17	access	access	NOUN
fsr-3888	191	18	to	to	ADP
fsr-3888	191	19	liability	liability	NOUN
fsr-3888	191	20	markets	market	NOUN
fsr-3888	191	21	than	than	ADP
fsr-3888	191	22	households	household	NOUN
fsr-3888	191	23	headed	head	VERB
fsr-3888	191	24	by	by	ADP
fsr-3888	191	25	whites	white	NOUN
fsr-3888	191	26	.	.	PUNCT
fsr-3888	192	1	the	the	DET
fsr-3888	192	2	head	head	NOUN
fsr-3888	192	3	of	of	ADP
fsr-3888	192	4	households	household	NOUN
fsr-3888	192	5	are	be	AUX
fsr-3888	192	6	significantly	significantly	ADV
fsr-3888	192	7	older	old	ADJ
fsr-3888	192	8	for	for	ADP
fsr-3888	192	9	white	white	ADJ
fsr-3888	192	10	households	household	NOUN
fsr-3888	192	11	than	than	ADP
fsr-3888	192	12	for	for	ADP
fsr-3888	192	13	the	the	DET
fsr-3888	192	14	black	black	ADJ
fsr-3888	192	15	households	household	NOUN
fsr-3888	192	16	surveyed	survey	VERB
fsr-3888	192	17	with	with	ADP
fsr-3888	192	18	mean	mean	ADJ
fsr-3888	192	19	ages	age	NOUN
fsr-3888	192	20	of	of	ADP
fsr-3888	192	21	51.5	51.5	NUM
fsr-3888	192	22	years	year	NOUN
fsr-3888	192	23	and	and	CCONJ
fsr-3888	192	24	45.9	45.9	NUM
fsr-3888	192	25	years	year	NOUN
fsr-3888	192	26	,	,	PUNCT
fsr-3888	192	27	respectively	respectively	ADV
fsr-3888	192	28	.	.	PUNCT
fsr-3888	193	1	table	table	NOUN
fsr-3888	193	2	3	3	NUM
fsr-3888	193	3	presents	present	NOUN
fsr-3888	193	4	distributions	distribution	NOUN
fsr-3888	193	5	of	of	ADP
fsr-3888	193	6	net	net	ADJ
fsr-3888	193	7	136	136	NUM
fsr-3888	193	8	y.a	y.a	PROPN
fsr-3888	193	9	.	.	PROPN
fsr-3888	193	10	badu	badu	PROPN
fsr-3888	193	11	et	et	PROPN
fsr-3888	193	12	al	al	PROPN
fsr-3888	193	13	.	.	PUNCT
fsr-3888	193	14	/	/	SYM
fsr-3888	193	15	financial	financial	ADJ
fsr-3888	193	16	services	service	NOUN
fsr-3888	193	17	review	review	VERB
fsr-3888	193	18	8	8	NUM
fsr-3888	193	19	(	(	PUNCT
fsr-3888	193	20	1999	1999	NUM
fsr-3888	193	21	)	)	PUNCT
fsr-3888	193	22	129–147	129–147	NUM
fsr-3888	193	23	worth	worth	NOUN
fsr-3888	193	24	and	and	CCONJ
fsr-3888	193	25	income	income	NOUN
fsr-3888	193	26	by	by	ADP
fsr-3888	193	27	quartiles	quartile	NOUN
fsr-3888	193	28	across	across	ADP
fsr-3888	193	29	racial	racial	ADJ
fsr-3888	193	30	groups	group	NOUN
fsr-3888	193	31	.	.	PUNCT
fsr-3888	194	1	the	the	DET
fsr-3888	194	2	results	result	NOUN
fsr-3888	194	3	for	for	ADP
fsr-3888	194	4	the	the	DET
fsr-3888	194	5	net	net	ADJ
fsr-3888	194	6	worth	worth	ADJ
fsr-3888	194	7	distribution	distribution	NOUN
fsr-3888	194	8	is	be	AUX
fsr-3888	194	9	very	very	ADV
fsr-3888	194	10	similar	similar	ADJ
fsr-3888	194	11	to	to	ADP
fsr-3888	194	12	those	those	PRON
fsr-3888	194	13	of	of	ADP
fsr-3888	194	14	brimmer	brimmer	NOUN
fsr-3888	194	15	(	(	PUNCT
fsr-3888	194	16	1991	1991	NUM
fsr-3888	194	17	)	)	PUNCT
fsr-3888	194	18	,	,	PUNCT
fsr-3888	194	19	wolff	wolff	NOUN
fsr-3888	194	20	(	(	PUNCT
fsr-3888	194	21	1994	1994	NUM
fsr-3888	194	22	)	)	PUNCT
fsr-3888	194	23	,	,	PUNCT
fsr-3888	194	24	and	and	CCONJ
fsr-3888	194	25	oliver	oliver	PROPN
fsr-3888	194	26	and	and	CCONJ
fsr-3888	194	27	shapiro	shapiro	PROPN
fsr-3888	194	28	(	(	PUNCT
fsr-3888	194	29	1995	1995	NUM
fsr-3888	194	30	)	)	PUNCT
fsr-3888	194	31	.	.	PUNCT
fsr-3888	195	1	panel	panel	NOUN
fsr-3888	195	2	a	a	DET
fsr-3888	195	3	shows	show	NOUN
fsr-3888	195	4	that	that	SCONJ
fsr-3888	195	5	although	although	SCONJ
fsr-3888	195	6	blacks	black	NOUN
fsr-3888	195	7	make	make	VERB
fsr-3888	195	8	up	up	ADP
fsr-3888	195	9	only	only	ADV
fsr-3888	195	10	eleven	eleven	NUM
fsr-3888	195	11	percentage	percentage	NOUN
fsr-3888	195	12	of	of	ADP
fsr-3888	195	13	the	the	DET
fsr-3888	195	14	sample	sample	NOUN
fsr-3888	195	15	,	,	PUNCT
fsr-3888	195	16	they	they	PRON
fsr-3888	195	17	are	be	AUX
fsr-3888	195	18	over	over	ADP
fsr-3888	195	19	represented	represent	VERB
fsr-3888	195	20	in	in	ADP
fsr-3888	195	21	the	the	DET
fsr-3888	195	22	lower	low	ADJ
fsr-3888	195	23	quartiles	quartile	NOUN
fsr-3888	195	24	of	of	ADP
fsr-3888	195	25	net	net	ADJ
fsr-3888	195	26	worth	worth	NOUN
fsr-3888	195	27	.	.	PUNCT
fsr-3888	196	1	approximately	approximately	ADV
fsr-3888	196	2	twenty	twenty	NUM
fsr-3888	196	3	-	-	PUNCT
fsr-3888	196	4	three	three	NUM
fsr-3888	196	5	percentage	percentage	NOUN
fsr-3888	196	6	of	of	ADP
fsr-3888	196	7	the	the	DET
fsr-3888	196	8	lowest	low	ADJ
fsr-3888	196	9	quartile	quartile	NOUN
fsr-3888	196	10	of	of	ADP
fsr-3888	196	11	net	net	ADJ
fsr-3888	196	12	worth	worth	NOUN
fsr-3888	196	13	is	be	AUX
fsr-3888	196	14	made	make	VERB
fsr-3888	196	15	up	up	ADP
fsr-3888	196	16	of	of	ADP
fsr-3888	196	17	households	household	NOUN
fsr-3888	196	18	whose	whose	DET
fsr-3888	196	19	heads	head	NOUN
fsr-3888	196	20	are	be	AUX
fsr-3888	196	21	black	black	ADJ
fsr-3888	196	22	.	.	PUNCT
fsr-3888	197	1	panel	panel	NOUN
fsr-3888	197	2	b	b	PROPN
fsr-3888	197	3	present	present	ADJ
fsr-3888	197	4	similar	similar	ADJ
fsr-3888	197	5	finding	finding	NOUN
fsr-3888	197	6	for	for	ADP
fsr-3888	197	7	income	income	NOUN
fsr-3888	197	8	,	,	PUNCT
fsr-3888	197	9	although	although	SCONJ
fsr-3888	197	10	blacks	black	NOUN
fsr-3888	197	11	have	have	VERB
fsr-3888	197	12	a	a	DET
fsr-3888	197	13	slightly	slightly	ADV
fsr-3888	197	14	higher	high	ADJ
fsr-3888	197	15	representation	representation	NOUN
fsr-3888	197	16	in	in	ADP
fsr-3888	197	17	the	the	DET
fsr-3888	197	18	top	top	ADJ
fsr-3888	197	19	two	two	NUM
fsr-3888	197	20	income	income	NOUN
fsr-3888	197	21	quartiles	quartile	NOUN
fsr-3888	197	22	than	than	SCONJ
fsr-3888	197	23	the	the	DET
fsr-3888	197	24	group	group	NOUN
fsr-3888	197	25	had	have	VERB
fsr-3888	197	26	for	for	ADP
fsr-3888	197	27	net	net	ADJ
fsr-3888	197	28	worth	worth	NOUN
fsr-3888	197	29	.	.	PUNCT
fsr-3888	198	1	in	in	ADP
fsr-3888	198	2	panel	panel	NOUN
fsr-3888	198	3	c	c	NOUN
fsr-3888	198	4	,	,	PUNCT
fsr-3888	198	5	the	the	DET
fsr-3888	198	6	data	datum	NOUN
fsr-3888	198	7	show	show	VERB
fsr-3888	198	8	that	that	SCONJ
fsr-3888	198	9	slightly	slightly	ADV
fsr-3888	198	10	more	more	ADJ
fsr-3888	198	11	than	than	ADP
fsr-3888	198	12	56	56	NUM
fsr-3888	198	13	%	%	NOUN
fsr-3888	198	14	of	of	ADP
fsr-3888	198	15	the	the	DET
fsr-3888	198	16	households	household	NOUN
fsr-3888	198	17	headed	head	VERB
fsr-3888	198	18	by	by	ADP
fsr-3888	198	19	blacks	black	NOUN
fsr-3888	198	20	are	be	AUX
fsr-3888	198	21	in	in	ADP
fsr-3888	198	22	the	the	DET
fsr-3888	198	23	lowest	low	ADJ
fsr-3888	198	24	quartile	quartile	NOUN
fsr-3888	198	25	of	of	ADP
fsr-3888	198	26	net	net	ADJ
fsr-3888	198	27	worth	worth	NOUN
fsr-3888	198	28	.	.	PUNCT
fsr-3888	199	1	indeed	indeed	ADV
fsr-3888	199	2	,	,	PUNCT
fsr-3888	199	3	over	over	ADP
fsr-3888	199	4	86	86	NUM
fsr-3888	199	5	%	%	NOUN
fsr-3888	199	6	of	of	ADP
fsr-3888	199	7	all	all	DET
fsr-3888	199	8	black	black	ADJ
fsr-3888	199	9	households	household	NOUN
fsr-3888	199	10	are	be	AUX
fsr-3888	199	11	found	find	VERB
fsr-3888	199	12	in	in	ADP
fsr-3888	199	13	the	the	DET
fsr-3888	199	14	two	two	NUM
fsr-3888	199	15	lowest	low	ADJ
fsr-3888	199	16	quartiles	quartile	NOUN
fsr-3888	199	17	of	of	ADP
fsr-3888	199	18	net	net	ADJ
fsr-3888	199	19	worth	worth	NOUN
fsr-3888	199	20	.	.	PUNCT
fsr-3888	200	1	panel	panel	NOUN
fsr-3888	200	2	d	d	PROPN
fsr-3888	200	3	present	present	ADJ
fsr-3888	200	4	findings	finding	NOUN
fsr-3888	200	5	for	for	ADP
fsr-3888	200	6	income	income	NOUN
fsr-3888	200	7	earned	earn	VERB
fsr-3888	200	8	in	in	ADP
fsr-3888	200	9	the	the	DET
fsr-3888	200	10	last	last	ADJ
fsr-3888	200	11	year	year	NOUN
fsr-3888	200	12	by	by	ADP
fsr-3888	200	13	heads	head	NOUN
fsr-3888	200	14	of	of	ADP
fsr-3888	200	15	households	household	NOUN
fsr-3888	200	16	,	,	PUNCT
fsr-3888	200	17	a	a	DET
fsr-3888	200	18	slightly	slightly	ADV
fsr-3888	200	19	larger	large	ADJ
fsr-3888	200	20	percentage	percentage	NOUN
fsr-3888	200	21	of	of	ADP
fsr-3888	200	22	black	black	ADJ
fsr-3888	200	23	households	household	NOUN
fsr-3888	200	24	are	be	AUX
fsr-3888	200	25	in	in	ADP
fsr-3888	200	26	the	the	DET
fsr-3888	200	27	top	top	ADJ
fsr-3888	200	28	two	two	NUM
fsr-3888	200	29	quartiles	quartile	NOUN
fsr-3888	200	30	of	of	ADP
fsr-3888	200	31	incomes	income	NOUN
fsr-3888	200	32	.	.	PUNCT
fsr-3888	201	1	we	we	PRON
fsr-3888	201	2	investigate	investigate	VERB
fsr-3888	201	3	further	far	ADV
fsr-3888	201	4	the	the	DET
fsr-3888	201	5	significant	significant	ADJ
fsr-3888	201	6	differences	difference	NOUN
fsr-3888	201	7	across	across	ADP
fsr-3888	201	8	race	race	NOUN
fsr-3888	201	9	for	for	ADP
fsr-3888	201	10	income	income	NOUN
fsr-3888	201	11	and	and	CCONJ
fsr-3888	201	12	net	net	ADJ
fsr-3888	201	13	worth	worth	ADJ
fsr-3888	201	14	table	table	NOUN
fsr-3888	201	15	1	1	NUM
fsr-3888	201	16	variable	variable	ADJ
fsr-3888	201	17	definitions	definition	NOUN
fsr-3888	201	18	liq	liq	NOUN
fsr-3888	201	19	:	:	PUNCT
fsr-3888	201	20	includes	include	VERB
fsr-3888	201	21	any	any	DET
fsr-3888	201	22	dollar	dollar	NOUN
fsr-3888	201	23	amount	amount	NOUN
fsr-3888	201	24	in	in	ADP
fsr-3888	201	25	checking	check	VERB
fsr-3888	201	26	accounts	account	NOUN
fsr-3888	201	27	,	,	PUNCT
fsr-3888	201	28	money	money	NOUN
fsr-3888	201	29	markets	market	NOUN
fsr-3888	201	30	and	and	CCONJ
fsr-3888	201	31	,	,	PUNCT
fsr-3888	201	32	savings	saving	NOUN
fsr-3888	201	33	accounts	account	NOUN
fsr-3888	201	34	and	and	CCONJ
fsr-3888	201	35	any	any	DET
fsr-3888	201	36	nonrealized	nonrealized	ADJ
fsr-3888	201	37	capital	capital	NOUN
fsr-3888	201	38	loss	loss	NOUN
fsr-3888	201	39	of	of	ADP
fsr-3888	201	40	stock	stock	NOUN
fsr-3888	201	41	value	value	NOUN
fsr-3888	201	42	.	.	PUNCT
fsr-3888	202	1	fin	fin	NOUN
fsr-3888	202	2	:	:	PUNCT
fsr-3888	202	3	includes	include	VERB
fsr-3888	202	4	any	any	DET
fsr-3888	202	5	dollar	dollar	NOUN
fsr-3888	202	6	amount	amount	NOUN
fsr-3888	202	7	in	in	ADP
fsr-3888	202	8	checking	check	VERB
fsr-3888	202	9	accounts	account	NOUN
fsr-3888	202	10	,	,	PUNCT
fsr-3888	202	11	money	money	NOUN
fsr-3888	202	12	markets	market	NOUN
fsr-3888	202	13	and	and	CCONJ
fsr-3888	202	14	,	,	PUNCT
fsr-3888	202	15	savings	saving	NOUN
fsr-3888	202	16	accounts	account	NOUN
fsr-3888	202	17	and	and	CCONJ
fsr-3888	202	18	any	any	DET
fsr-3888	202	19	nonrealized	nonrealized	ADJ
fsr-3888	202	20	capital	capital	NOUN
fsr-3888	202	21	loss	loss	NOUN
fsr-3888	202	22	of	of	ADP
fsr-3888	202	23	stock	stock	NOUN
fsr-3888	202	24	value	value	NOUN
fsr-3888	202	25	plus	plus	CCONJ
fsr-3888	202	26	dollar	dollar	NOUN
fsr-3888	202	27	value	value	NOUN
fsr-3888	202	28	of	of	ADP
fsr-3888	202	29	certificates	certificate	NOUN
fsr-3888	202	30	of	of	ADP
fsr-3888	202	31	deposit	deposit	NOUN
fsr-3888	202	32	,	,	PUNCT
fsr-3888	202	33	market	market	NOUN
fsr-3888	202	34	value	value	NOUN
fsr-3888	202	35	of	of	ADP
fsr-3888	202	36	common	common	ADJ
fsr-3888	202	37	stock	stock	NOUN
fsr-3888	202	38	,	,	PUNCT
fsr-3888	202	39	quasi	quasi	ADJ
fsr-3888	202	40	-	-	ADJ
fsr-3888	202	41	liquid	liquid	ADJ
fsr-3888	202	42	retirement	retirement	NOUN
fsr-3888	202	43	accounts	account	NOUN
fsr-3888	202	44	that	that	PRON
fsr-3888	202	45	can	can	AUX
fsr-3888	202	46	be	be	AUX
fsr-3888	202	47	borrowed	borrow	VERB
fsr-3888	202	48	against	against	ADP
fsr-3888	202	49	,	,	PUNCT
fsr-3888	202	50	directly	directly	ADV
fsr-3888	202	51	owed	owe	VERB
fsr-3888	202	52	mutual	mutual	ADJ
fsr-3888	202	53	funds	fund	NOUN
fsr-3888	202	54	,	,	PUNCT
fsr-3888	202	55	directly	directly	ADV
fsr-3888	202	56	held	hold	VERB
fsr-3888	202	57	bonds	bond	NOUN
fsr-3888	202	58	,	,	PUNCT
fsr-3888	202	59	managed	manage	VERB
fsr-3888	202	60	assets	asset	NOUN
fsr-3888	202	61	such	such	ADJ
fsr-3888	202	62	as	as	ADP
fsr-3888	202	63	trusts	trust	NOUN
fsr-3888	202	64	,	,	PUNCT
fsr-3888	202	65	annuities	annuity	NOUN
fsr-3888	202	66	and	and	CCONJ
fsr-3888	202	67	managed	manage	VERB
fsr-3888	202	68	investment	investment	NOUN
fsr-3888	202	69	accounts	account	NOUN
fsr-3888	202	70	,	,	PUNCT
fsr-3888	202	71	cash	cash	NOUN
fsr-3888	202	72	value	value	NOUN
fsr-3888	202	73	of	of	ADP
fsr-3888	202	74	whole	whole	ADJ
fsr-3888	202	75	life	life	NOUN
fsr-3888	202	76	insurance	insurance	NOUN
fsr-3888	202	77	,	,	PUNCT
fsr-3888	202	78	savings	saving	NOUN
fsr-3888	202	79	bonds	bond	NOUN
fsr-3888	202	80	and	and	CCONJ
fsr-3888	202	81	other	other	ADJ
fsr-3888	202	82	financial	financial	ADJ
fsr-3888	202	83	assets	asset	NOUN
fsr-3888	202	84	such	such	ADJ
fsr-3888	202	85	as	as	ADP
fsr-3888	202	86	money	money	NOUN
fsr-3888	202	87	owed	owe	VERB
fsr-3888	202	88	to	to	ADP
fsr-3888	202	89	the	the	DET
fsr-3888	202	90	family	family	NOUN
fsr-3888	202	91	,	,	PUNCT
fsr-3888	202	92	cash	cash	NOUN
fsr-3888	202	93	held	hold	VERB
fsr-3888	202	94	or	or	CCONJ
fsr-3888	202	95	deferred	deferred	ADJ
fsr-3888	202	96	compensation	compensation	NOUN
fsr-3888	202	97	.	.	PUNCT
fsr-3888	203	1	vehic	vehic	ADJ
fsr-3888	203	2	:	:	PUNCT
fsr-3888	203	3	dollar	dollar	NOUN
fsr-3888	203	4	value	value	NOUN
fsr-3888	203	5	of	of	ADP
fsr-3888	203	6	all	all	DET
fsr-3888	203	7	vehicles	vehicle	NOUN
fsr-3888	203	8	,	,	PUNCT
fsr-3888	203	9	including	include	VERB
fsr-3888	203	10	motor	motor	NOUN
fsr-3888	203	11	homes	home	NOUN
fsr-3888	203	12	,	,	PUNCT
fsr-3888	203	13	rv	rv	PROPN
fsr-3888	203	14	’s	’s	ADV
fsr-3888	203	15	,	,	PUNCT
fsr-3888	203	16	boats	boat	NOUN
fsr-3888	203	17	and	and	CCONJ
fsr-3888	203	18	airplanes	airplane	NOUN
fsr-3888	203	19	,	,	PUNCT
fsr-3888	203	20	owned	own	VERB
fsr-3888	203	21	by	by	ADP
fsr-3888	203	22	the	the	DET
fsr-3888	203	23	household	household	NOUN
fsr-3888	203	24	.	.	PUNCT
fsr-3888	204	1	houses	house	NOUN
fsr-3888	204	2	:	:	PUNCT
fsr-3888	204	3	dollar	dollar	NOUN
fsr-3888	204	4	value	value	NOUN
fsr-3888	204	5	of	of	ADP
fsr-3888	204	6	home	home	NOUN
fsr-3888	204	7	site	site	NOUN
fsr-3888	204	8	only	only	ADV
fsr-3888	204	9	,	,	PUNCT
fsr-3888	204	10	mobile	mobile	ADJ
fsr-3888	204	11	home	home	NOUN
fsr-3888	204	12	,	,	PUNCT
fsr-3888	204	13	both	both	PRON
fsr-3888	204	14	site	site	NOUN
fsr-3888	204	15	and	and	CCONJ
fsr-3888	204	16	mobile	mobile	ADJ
fsr-3888	204	17	home	home	NOUN
fsr-3888	204	18	,	,	PUNCT
fsr-3888	204	19	home	home	NOUN
fsr-3888	204	20	and	and	CCONJ
fsr-3888	204	21	land	land	NOUN
fsr-3888	204	22	,	,	PUNCT
fsr-3888	204	23	apartment	apartment	NOUN
fsr-3888	204	24	or	or	CCONJ
fsr-3888	204	25	property	property	NOUN
fsr-3888	204	26	,	,	PUNCT
fsr-3888	204	27	and	and	CCONJ
fsr-3888	204	28	farm	farm	NOUN
fsr-3888	204	29	or	or	CCONJ
fsr-3888	204	30	ranch	ranch	NOUN
fsr-3888	204	31	property	property	NOUN
fsr-3888	204	32	unrelated	unrelated	ADJ
fsr-3888	204	33	to	to	ADP
fsr-3888	204	34	business	business	NOUN
fsr-3888	204	35	.	.	PUNCT
fsr-3888	205	1	realest	real	ADJ
fsr-3888	205	2	:	:	PUNCT
fsr-3888	205	3	dollar	dollar	NOUN
fsr-3888	205	4	value	value	NOUN
fsr-3888	205	5	of	of	ADP
fsr-3888	205	6	real	real	ADJ
fsr-3888	205	7	estate	estate	NOUN
fsr-3888	205	8	sold	sell	VERB
fsr-3888	205	9	for	for	ADP
fsr-3888	205	10	which	which	PRON
fsr-3888	205	11	the	the	DET
fsr-3888	205	12	seller	seller	NOUN
fsr-3888	205	13	provided	provide	VERB
fsr-3888	205	14	the	the	DET
fsr-3888	205	15	loan	loan	NOUN
fsr-3888	205	16	,	,	PUNCT
fsr-3888	205	17	including	include	VERB
fsr-3888	205	18	accepting	accept	VERB
fsr-3888	205	19	a	a	DET
fsr-3888	205	20	note	note	NOUN
fsr-3888	205	21	,	,	PUNCT
fsr-3888	205	22	land	land	NOUN
fsr-3888	205	23	contract	contract	NOUN
fsr-3888	205	24	or	or	CCONJ
fsr-3888	205	25	mortgage	mortgage	NOUN
fsr-3888	205	26	plus	plus	CCONJ
fsr-3888	205	27	the	the	DET
fsr-3888	205	28	percentage	percentage	NOUN
fsr-3888	205	29	owned	own	VERB
fsr-3888	205	30	of	of	ADP
fsr-3888	205	31	such	such	ADJ
fsr-3888	205	32	properties	property	NOUN
fsr-3888	205	33	as	as	ADP
fsr-3888	205	34	time	time	NOUN
fsr-3888	205	35	share	share	NOUN
fsr-3888	205	36	,	,	PUNCT
fsr-3888	205	37	apartment	apartment	NOUN
fsr-3888	205	38	building	build	VERB
fsr-3888	205	39	any	any	DET
fsr-3888	205	40	business	business	NOUN
fsr-3888	205	41	property	property	NOUN
fsr-3888	205	42	.	.	PUNCT
fsr-3888	206	1	bus	bus	NOUN
fsr-3888	206	2	:	:	PUNCT
fsr-3888	206	3	net	net	ADJ
fsr-3888	206	4	worth	worth	NOUN
fsr-3888	206	5	of	of	ADP
fsr-3888	206	6	any	any	DET
fsr-3888	206	7	privately	privately	ADV
fsr-3888	206	8	-	-	PUNCT
fsr-3888	206	9	held	hold	VERB
fsr-3888	206	10	business	business	NOUN
fsr-3888	206	11	,	,	PUNCT
fsr-3888	206	12	farm	farm	NOUN
fsr-3888	206	13	,	,	PUNCT
fsr-3888	206	14	professional	professional	ADJ
fsr-3888	206	15	practice	practice	NOUN
fsr-3888	206	16	or	or	CCONJ
fsr-3888	206	17	partnership	partnership	NOUN
fsr-3888	206	18	owned	own	VERB
fsr-3888	206	19	by	by	ADP
fsr-3888	206	20	the	the	DET
fsr-3888	206	21	household	household	NOUN
fsr-3888	206	22	plus	plus	CCONJ
fsr-3888	206	23	the	the	DET
fsr-3888	206	24	dollar	dollar	NOUN
fsr-3888	206	25	amount	amount	NOUN
fsr-3888	206	26	owed	owe	VERB
fsr-3888	206	27	to	to	ADP
fsr-3888	206	28	the	the	DET
fsr-3888	206	29	household	household	NOUN
fsr-3888	206	30	by	by	ADP
fsr-3888	206	31	the	the	DET
fsr-3888	206	32	business	business	NOUN
fsr-3888	206	33	minus	minus	ADP
fsr-3888	206	34	any	any	DET
fsr-3888	206	35	amount	amount	NOUN
fsr-3888	206	36	owed	owe	VERB
fsr-3888	206	37	to	to	ADP
fsr-3888	206	38	the	the	DET
fsr-3888	206	39	business	business	NOUN
fsr-3888	206	40	by	by	ADP
fsr-3888	206	41	the	the	DET
fsr-3888	206	42	household	household	NOUN
fsr-3888	206	43	plus	plus	CCONJ
fsr-3888	206	44	the	the	DET
fsr-3888	206	45	amount	amount	NOUN
fsr-3888	206	46	of	of	ADP
fsr-3888	206	47	the	the	DET
fsr-3888	206	48	business	business	NOUN
fsr-3888	206	49	guaranteed	guarantee	VERB
fsr-3888	206	50	or	or	CCONJ
fsr-3888	206	51	collateralized	collateralize	VERB
fsr-3888	206	52	.	.	PUNCT
fsr-3888	207	1	mrthel	mrthel	ADJ
fsr-3888	207	2	:	:	PUNCT
fsr-3888	207	3	dollar	dollar	NOUN
fsr-3888	207	4	value	value	NOUN
fsr-3888	207	5	of	of	ADP
fsr-3888	207	6	the	the	DET
fsr-3888	207	7	amount	amount	NOUN
fsr-3888	207	8	owed	owe	VERB
fsr-3888	207	9	by	by	ADP
fsr-3888	207	10	the	the	DET
fsr-3888	207	11	households	household	NOUN
fsr-3888	207	12	for	for	ADP
fsr-3888	207	13	any	any	DET
fsr-3888	207	14	mortgage	mortgage	NOUN
fsr-3888	207	15	/	/	SYM
fsr-3888	207	16	land	land	NOUN
fsr-3888	207	17	contract	contract	NOUN
fsr-3888	207	18	ect	ect	PROPN
fsr-3888	207	19	.	.	PROPN
fsr-3888	207	20	,	,	PUNCT
fsr-3888	207	21	which	which	PRON
fsr-3888	207	22	uses	use	VERB
fsr-3888	207	23	the	the	DET
fsr-3888	207	24	principle	principle	NOUN
fsr-3888	207	25	dwelling	dwell	VERB
fsr-3888	207	26	as	as	ADP
fsr-3888	207	27	collateral	collateral	NOUN
fsr-3888	207	28	plus	plus	CCONJ
fsr-3888	207	29	any	any	DET
fsr-3888	207	30	amount	amount	NOUN
fsr-3888	207	31	borrowed	borrow	VERB
fsr-3888	207	32	against	against	ADP
fsr-3888	207	33	home	home	NOUN
fsr-3888	207	34	equity	equity	NOUN
fsr-3888	207	35	credit	credit	NOUN
fsr-3888	207	36	lines	line	NOUN
fsr-3888	207	37	.	.	PUNCT
fsr-3888	208	1	realdbt	realdbt	NOUN
fsr-3888	208	2	:	:	PUNCT
fsr-3888	208	3	dollar	dollar	NOUN
fsr-3888	208	4	amount	amount	NOUN
fsr-3888	208	5	still	still	ADV
fsr-3888	208	6	owed	owe	VERB
fsr-3888	208	7	by	by	ADP
fsr-3888	208	8	the	the	DET
fsr-3888	208	9	household	household	NOUN
fsr-3888	208	10	for	for	ADP
fsr-3888	208	11	real	real	ADJ
fsr-3888	208	12	estate	estate	NOUN
fsr-3888	208	13	sold	sell	VERB
fsr-3888	208	14	and	and	CCONJ
fsr-3888	208	15	financed	finance	VERB
fsr-3888	208	16	by	by	ADP
fsr-3888	208	17	the	the	DET
fsr-3888	208	18	household	household	NOUN
fsr-3888	208	19	plus	plus	CCONJ
fsr-3888	208	20	any	any	DET
fsr-3888	208	21	dollar	dollar	NOUN
fsr-3888	208	22	amount	amount	NOUN
fsr-3888	208	23	still	still	ADV
fsr-3888	208	24	owed	owe	VERB
fsr-3888	208	25	for	for	ADP
fsr-3888	208	26	any	any	DET
fsr-3888	208	27	real	real	ADJ
fsr-3888	208	28	estate	estate	NOUN
fsr-3888	208	29	such	such	ADJ
fsr-3888	208	30	as	as	ADP
fsr-3888	208	31	lots	lot	NOUN
fsr-3888	208	32	,	,	PUNCT
fsr-3888	208	33	vacation	vacation	NOUN
fsr-3888	208	34	homes	home	NOUN
fsr-3888	208	35	,	,	PUNCT
fsr-3888	208	36	time	time	NOUN
fsr-3888	208	37	shares	share	NOUN
fsr-3888	208	38	,	,	PUNCT
fsr-3888	208	39	apartment	apartment	NOUN
fsr-3888	208	40	buildings	building	NOUN
fsr-3888	208	41	,	,	PUNCT
fsr-3888	208	42	commercial	commercial	ADJ
fsr-3888	208	43	property	property	NOUN
fsr-3888	208	44	or	or	CCONJ
fsr-3888	208	45	other	other	ADJ
fsr-3888	208	46	investment	investment	NOUN
fsr-3888	208	47	property	property	NOUN
fsr-3888	208	48	.	.	PUNCT
fsr-3888	209	1	ccbal	ccbal	ADJ
fsr-3888	209	2	:	:	PUNCT
fsr-3888	209	3	dollar	dollar	NOUN
fsr-3888	209	4	value	value	NOUN
fsr-3888	209	5	of	of	ADP
fsr-3888	209	6	the	the	DET
fsr-3888	209	7	balance	balance	NOUN
fsr-3888	209	8	owed	owe	VERB
fsr-3888	209	9	on	on	ADP
fsr-3888	209	10	credit	credit	NOUN
fsr-3888	209	11	cards	card	NOUN
fsr-3888	209	12	(	(	PUNCT
fsr-3888	209	13	bank	bank	NOUN
fsr-3888	209	14	type	type	NOUN
fsr-3888	209	15	,	,	PUNCT
fsr-3888	209	16	store	store	NOUN
fsr-3888	209	17	cards	card	NOUN
fsr-3888	209	18	,	,	PUNCT
fsr-3888	209	19	gasoline	gasoline	NOUN
fsr-3888	209	20	cards	card	NOUN
fsr-3888	209	21	etc	etc	X
fsr-3888	209	22	.	.	X
fsr-3888	209	23	)	)	PUNCT
fsr-3888	210	1	install	install	NOUN
fsr-3888	210	2	:	:	PUNCT
fsr-3888	210	3	dollar	dollar	NOUN
fsr-3888	210	4	value	value	NOUN
fsr-3888	210	5	owed	owe	VERB
fsr-3888	210	6	in	in	ADP
fsr-3888	210	7	installments	installment	NOUN
fsr-3888	210	8	for	for	ADP
fsr-3888	210	9	such	such	ADJ
fsr-3888	210	10	items	item	NOUN
fsr-3888	210	11	as	as	ADP
fsr-3888	210	12	household	household	NOUN
fsr-3888	210	13	appliances	appliance	NOUN
fsr-3888	210	14	,	,	PUNCT
fsr-3888	210	15	furniture	furniture	NOUN
fsr-3888	210	16	,	,	PUNCT
fsr-3888	210	17	hobby	hobby	ADJ
fsr-3888	210	18	or	or	CCONJ
fsr-3888	210	19	recreational	recreational	ADJ
fsr-3888	210	20	equipment	equipment	NOUN
fsr-3888	210	21	,	,	PUNCT
fsr-3888	210	22	educational	educational	ADJ
fsr-3888	210	23	expenses	expense	NOUN
fsr-3888	210	24	,	,	PUNCT
fsr-3888	210	25	medical	medical	ADJ
fsr-3888	210	26	expenses	expense	NOUN
fsr-3888	210	27	,	,	PUNCT
fsr-3888	210	28	home	home	NOUN
fsr-3888	210	29	improvements	improvement	NOUN
fsr-3888	210	30	,	,	PUNCT
fsr-3888	210	31	and	and	CCONJ
fsr-3888	210	32	vehicles	vehicle	NOUN
fsr-3888	210	33	plus	plus	CCONJ
fsr-3888	210	34	any	any	DET
fsr-3888	210	35	debts	debt	NOUN
fsr-3888	210	36	owed	owe	VERB
fsr-3888	210	37	to	to	ADP
fsr-3888	210	38	friends	friend	NOUN
fsr-3888	210	39	or	or	CCONJ
fsr-3888	210	40	relatives	relative	NOUN
fsr-3888	210	41	.	.	PUNCT
fsr-3888	211	1	odebt	odebt	PROPN
fsr-3888	211	2	:	:	PUNCT
fsr-3888	211	3	dollar	dollar	NOUN
fsr-3888	211	4	value	value	NOUN
fsr-3888	211	5	of	of	ADP
fsr-3888	211	6	amount	amount	NOUN
fsr-3888	211	7	borrowed	borrow	VERB
fsr-3888	211	8	against	against	ADP
fsr-3888	211	9	financial	financial	ADJ
fsr-3888	211	10	assets	asset	NOUN
fsr-3888	211	11	such	such	ADJ
fsr-3888	211	12	as	as	ADP
fsr-3888	211	13	life	life	NOUN
fsr-3888	211	14	insurance	insurance	NOUN
fsr-3888	211	15	policies	policy	NOUN
fsr-3888	211	16	and	and	CCONJ
fsr-3888	211	17	pension	pension	NOUN
fsr-3888	211	18	plans	plan	NOUN
fsr-3888	211	19	.	.	PUNCT
fsr-3888	212	1	age	age	NOUN
fsr-3888	212	2	:	:	PUNCT
fsr-3888	212	3	1992	1992	NUM
fsr-3888	212	4	minus	minus	CCONJ
fsr-3888	212	5	the	the	DET
fsr-3888	212	6	year	year	NOUN
fsr-3888	212	7	of	of	ADP
fsr-3888	212	8	the	the	DET
fsr-3888	212	9	head	head	NOUN
fsr-3888	212	10	of	of	ADP
fsr-3888	212	11	households	household	NOUN
fsr-3888	212	12	birth	birth	NOUN
fsr-3888	212	13	.	.	PUNCT
fsr-3888	213	1	networth	networth	NOUN
fsr-3888	213	2	:	:	PUNCT
fsr-3888	213	3	(	(	PUNCT
fsr-3888	213	4	fin1house1vehic1realest1bus1other	fin1house1vehic1realest1bus1other	ADJ
fsr-3888	213	5	non	non	ADJ
fsr-3888	213	6	-	-	ADJ
fsr-3888	213	7	financial	financial	ADJ
fsr-3888	213	8	assets	asset	NOUN
fsr-3888	213	9	such	such	ADJ
fsr-3888	213	10	as	as	ADP
fsr-3888	213	11	antiques	antique	NOUN
fsr-3888	213	12	,	,	PUNCT
fsr-3888	213	13	rare	rare	ADJ
fsr-3888	213	14	books	book	NOUN
fsr-3888	213	15	jewelry	jewelry	NOUN
fsr-3888	213	16	,	,	PUNCT
fsr-3888	213	17	etc	etc	X
fsr-3888	213	18	.	.	X
fsr-3888	213	19	)	)	PUNCT
fsr-3888	214	1	minus	minus	CCONJ
fsr-3888	214	2	(	(	PUNCT
fsr-3888	214	3	mrthel1realdbt1ccbal1install1odebt	mrthel1realdbt1ccbal1install1odebt	NOUN
fsr-3888	214	4	plus	plus	CCONJ
fsr-3888	214	5	amounts	amount	NOUN
fsr-3888	214	6	owed	owe	VERB
fsr-3888	214	7	on	on	ADP
fsr-3888	214	8	credit	credit	NOUN
fsr-3888	214	9	line	line	NOUN
fsr-3888	214	10	accounts	account	NOUN
fsr-3888	214	11	)	)	PUNCT
fsr-3888	215	1	137y.a	137y.a	X
fsr-3888	215	2	.	.	PUNCT
fsr-3888	216	1	badu	badu	PROPN
fsr-3888	216	2	et	et	PROPN
fsr-3888	216	3	al	al	PROPN
fsr-3888	216	4	.	.	PUNCT
fsr-3888	216	5	/	/	SYM
fsr-3888	216	6	financial	financial	ADJ
fsr-3888	216	7	services	service	NOUN
fsr-3888	216	8	review	review	VERB
fsr-3888	216	9	8	8	NUM
fsr-3888	216	10	(	(	PUNCT
fsr-3888	216	11	1999	1999	NUM
fsr-3888	216	12	)	)	PUNCT
fsr-3888	217	1	129–147	129–147	NUM
fsr-3888	217	2	t	t	PROPN
fsr-3888	217	3	ab	ab	X
fsr-3888	217	4	le	le	X
fsr-3888	217	5	2	2	PROPN
fsr-3888	217	6	d	d	PROPN
fsr-3888	217	7	es	es	ADP
fsr-3888	217	8	cr	cr	PROPN
fsr-3888	217	9	ip	ip	NOUN
fsr-3888	217	10	tiv	tiv	PROPN
fsr-3888	217	11	e	e	PROPN
fsr-3888	217	12	st	st	PROPN
fsr-3888	217	13	at	at	ADP
fsr-3888	217	14	is	be	AUX
fsr-3888	217	15	tic	tic	ADJ
fsr-3888	217	16	s	s	X
fsr-3888	217	17	(	(	PUNCT
fsr-3888	217	18	v	v	NOUN
fsr-3888	217	19	al	al	PROPN
fsr-3888	217	20	ue	ue	PROPN
fsr-3888	217	21	s	s	PROPN
fsr-3888	217	22	ar	ar	PROPN
fsr-3888	217	23	e	e	NOUN
fsr-3888	217	24	sh	sh	INTJ
fsr-3888	217	25	ow	ow	INTJ
fsr-3888	217	26	n	n	PROPN
fsr-3888	217	27	in	in	ADP
fsr-3888	217	28	do	do	AUX
fsr-3888	217	29	lla	lla	NOUN
fsr-3888	217	30	rs	rs	PROPN
fsr-3888	217	31	,	,	PUNCT
fsr-3888	218	1	ex	ex	X
fsr-3888	218	2	ce	ce	PROPN
fsr-3888	218	3	pt	pt	PROPN
fsr-3888	218	4	fo	fo	ADP
fsr-3888	218	5	r	r	NOUN
fsr-3888	218	6	a	a	DET
fsr-3888	218	7	g	g	NOUN
fsr-3888	218	8	e	e	PROPN
fsr-3888	218	9	w	w	PROPN
fsr-3888	218	10	hi	hi	INTJ
fsr-3888	218	11	ch	ch	NOUN
fsr-3888	218	12	is	be	AUX
fsr-3888	218	13	in	in	ADP
fsr-3888	218	14	ye	ye	PROPN
fsr-3888	218	15	ar	ar	PROPN
fsr-3888	218	16	s	s	PROPN
fsr-3888	218	17	)	)	PUNCT
fsr-3888	218	18	v	v	PROPN
fsr-3888	218	19	ar	ar	PROPN
fsr-3888	218	20	ia	ia	PROPN
fsr-3888	218	21	bl	bl	PROPN
fsr-3888	218	22	es	es	VERB
fsr-3888	218	23	f	f	PROPN
fsr-3888	218	24	in	in	ADP
fsr-3888	218	25	li	li	PROPN
fsr-3888	218	26	q	q	PROPN
fsr-3888	218	27	v	v	PROPN
fsr-3888	218	28	e	e	NOUN
fsr-3888	218	29	h	h	NOUN
fsr-3888	219	1	ic	ic	INTJ
fsr-3888	219	2	h	h	NOUN
fsr-3888	220	1	o	o	X
fsr-3888	220	2	u	u	NOUN
fsr-3888	220	3	s	s	PROPN
fsr-3888	220	4	e	e	NOUN
fsr-3888	220	5	s	s	NOUN
fsr-3888	220	6	r	r	NOUN
fsr-3888	220	7	e	e	NOUN
fsr-3888	220	8	a	a	PRON
fsr-3888	220	9	le	le	X
fsr-3888	220	10	s	s	PROPN
fsr-3888	220	11	t	t	PROPN
fsr-3888	220	12	b	b	X
fsr-3888	220	13	u	u	PROPN
fsr-3888	220	14	s	s	NOUN
fsr-3888	220	15	m	m	VERB
fsr-3888	220	16	r	r	NOUN
fsr-3888	220	17	t	t	NOUN
fsr-3888	220	18	h	h	NOUN
fsr-3888	220	19	e	e	NOUN
fsr-3888	220	20	l	l	NOUN
fsr-3888	220	21	r	r	NOUN
fsr-3888	220	22	e	e	X
fsr-3888	220	23	a	a	DET
fsr-3888	220	24	ld	ld	PROPN
fsr-3888	220	25	b	b	PROPN
fsr-3888	220	26	t	t	NOUN
fsr-3888	220	27	c	c	NOUN
fsr-3888	220	28	c	c	PROPN
fsr-3888	220	29	b	b	PROPN
fsr-3888	220	30	a	a	DET
fsr-3888	220	31	l	l	NOUN
fsr-3888	220	32	in	in	ADP
fsr-3888	220	33	s	s	PROPN
fsr-3888	220	34	t	t	PROPN
fsr-3888	220	35	a	a	DET
fsr-3888	220	36	ll	ll	NOUN
fsr-3888	220	37	o	o	X
fsr-3888	220	38	d	d	X
fsr-3888	220	39	e	e	PROPN
fsr-3888	220	40	b	b	PROPN
fsr-3888	220	41	t	t	PROPN
fsr-3888	220	42	a	a	DET
fsr-3888	220	43	g	g	NOUN
fsr-3888	220	44	e	e	NOUN
fsr-3888	220	45	p	p	X
fsr-3888	220	46	an	an	PROPN
fsr-3888	220	47	el	el	PROPN
fsr-3888	220	48	a	a	PRON
fsr-3888	220	49	:	:	PUNCT
fsr-3888	220	50	w	w	X
fsr-3888	220	51	hi	hi	INTJ
fsr-3888	220	52	te	te	X
fsr-3888	220	53	on	on	ADP
fsr-3888	220	54	ly	ly	X
fsr-3888	220	55	(	(	PUNCT
fsr-3888	220	56	n	n	NOUN
fsr-3888	220	57	5	5	NUM
fsr-3888	220	58	1	1	NUM
fsr-3888	220	59	5	5	NUM
fsr-3888	220	60	7	7	NUM
fsr-3888	220	61	3	3	NUM
fsr-3888	220	62	8	8	NUM
fsr-3888	220	63	)	)	PUNCT
fsr-3888	220	64	m	m	VERB
fsr-3888	220	65	ea	ea	NOUN
fsr-3888	220	66	n	n	ADP
fsr-3888	220	67	13	13	NUM
fsr-3888	220	68	64	64	NUM
fsr-3888	220	69	62	62	NUM
fsr-3888	220	70	2	2	NUM
fsr-3888	220	71	12	12	NUM
fsr-3888	220	72	76	76	NUM
fsr-3888	220	73	00	00	NUM
fsr-3888	220	74	.1	.1	NUM
fsr-3888	220	75	29	29	NUM
fsr-3888	220	76	84	84	NUM
fsr-3888	220	77	1	1	NUM
fsr-3888	220	78	.	.	ADP
fsr-3888	220	79	4	4	NUM
fsr-3888	220	80	26	26	NUM
fsr-3888	220	81	70	70	NUM
fsr-3888	220	82	63	63	NUM
fsr-3888	220	83	.4	.4	NUM
fsr-3888	220	84	12	12	NUM
fsr-3888	220	85	42	42	NUM
fsr-3888	220	86	50	50	NUM
fsr-3888	220	87	5	5	NUM
fsr-3888	220	88	24	24	NUM
fsr-3888	220	89	68	68	NUM
fsr-3888	220	90	92	92	NUM
fsr-3888	220	91	1	1	NUM
fsr-3888	220	92	51	51	NUM
fsr-3888	220	93	67	67	NUM
fsr-3888	220	94	5	5	NUM
fsr-3888	220	95	.	.	SYM
fsr-3888	220	96	5	5	NUM
fsr-3888	220	97	31	31	NUM
fsr-3888	220	98	36	36	NUM
fsr-3888	220	99	27	27	NUM
fsr-3888	220	100	16	16	NUM
fsr-3888	220	101	37	37	NUM
fsr-3888	220	102	.5	.5	NUM
fsr-3888	220	103	86	86	NUM
fsr-3888	220	104	76	76	NUM
fsr-3888	220	105	.4	.4	NUM
fsr-3888	220	106	10	10	NUM
fsr-3888	220	107	03	03	NUM
fsr-3888	220	108	6	6	NUM
fsr-3888	220	109	.	.	SYM
fsr-3888	220	110	3	3	NUM
fsr-3888	220	111	51	51	NUM
fsr-3888	220	112	.5	.5	NUM
fsr-3888	221	1	m	m	PROPN
fsr-3888	221	2	ed	ed	PROPN
fsr-3888	221	3	ia	ia	PROPN
fsr-3888	221	4	n	n	ADV
fsr-3888	221	5	48	48	NUM
fsr-3888	221	6	58	58	NUM
fsr-3888	221	7	5	5	NUM
fsr-3888	221	8	63	63	NUM
fsr-3888	221	9	00	00	NUM
fsr-3888	221	10	99	99	NUM
fsr-3888	221	11	00	00	NUM
fsr-3888	221	12	95	95	NUM
fsr-3888	221	13	00	00	NUM
fsr-3888	221	14	0	0	NUM
fsr-3888	221	15	0	0	NUM
fsr-3888	221	16	0	0	NUM
fsr-3888	221	17	0	0	NUM
fsr-3888	221	18	0	0	NUM
fsr-3888	221	19	50	50	NUM
fsr-3888	221	20	0	0	NUM
fsr-3888	221	21	0	0	NUM
fsr-3888	221	22	0	0	NUM
fsr-3888	221	23	50	50	NUM
fsr-3888	221	24	s	s	NOUN
fsr-3888	221	25	ta	ta	ADP
fsr-3888	221	26	nd	nd	INTJ
fsr-3888	221	27	ar	ar	PROPN
fsr-3888	221	28	d	d	PROPN
fsr-3888	221	29	d	d	PROPN
fsr-3888	221	30	ev	ev	X
fsr-3888	221	31	ia	ia	PROPN
fsr-3888	221	32	tio	tio	PROPN
fsr-3888	221	33	n	n	PROPN
fsr-3888	221	34	68	68	NUM
fsr-3888	221	35	39	39	NUM
fsr-3888	221	36	95	95	NUM
fsr-3888	221	37	4	4	NUM
fsr-3888	221	38	66	66	NUM
fsr-3888	221	39	04	04	NUM
fsr-3888	221	40	41	41	NUM
fsr-3888	221	41	.7	.7	NUM
fsr-3888	221	42	18	18	NUM
fsr-3888	221	43	11	11	NUM
fsr-3888	221	44	11	11	NUM
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fsr-3888	221	49	.	.	PUNCT
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fsr-3888	221	58	00	00	NUM
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fsr-3888	221	80	p	p	NOUN
fsr-3888	221	81	an	an	DET
fsr-3888	221	82	el	el	PROPN
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fsr-3888	221	84	:	:	PUNCT
fsr-3888	221	85	b	b	X
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fsr-3888	221	88	on	on	ADP
fsr-3888	221	89	ly	ly	X
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fsr-3888	221	95	)	)	PUNCT
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fsr-3888	221	98	n	n	ADP
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fsr-3888	221	102	.	.	PUNCT
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fsr-3888	222	4	.3	.3	NUM
fsr-3888	222	5	56	56	NUM
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fsr-3888	222	7	.6	.6	NUM
fsr-3888	222	8	38	38	NUM
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fsr-3888	222	10	8	8	NUM
fsr-3888	222	11	.	.	PUNCT
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fsr-3888	222	15	9	9	NUM
fsr-3888	222	16	.	.	NOUN
fsr-3888	222	17	5	5	NUM
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fsr-3888	222	20	5	5	NUM
fsr-3888	222	21	.	.	SYM
fsr-3888	222	22	2	2	NUM
fsr-3888	222	23	13	13	NUM
fsr-3888	222	24	50	50	NUM
fsr-3888	222	25	6	6	NUM
fsr-3888	222	26	.	.	SYM
fsr-3888	222	27	3	3	NUM
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fsr-3888	222	30	.4	.4	NUM
fsr-3888	222	31	74	74	NUM
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fsr-3888	222	33	.	.	SYM
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fsr-3888	222	36	78	78	NUM
fsr-3888	222	37	.2	.2	NUM
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fsr-3888	222	40	.	.	NOUN
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fsr-3888	222	44	m	m	PROPN
fsr-3888	222	45	ed	ed	PROPN
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fsr-3888	222	47	n	n	PROPN
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fsr-3888	222	49	35	35	NUM
fsr-3888	222	50	20	20	NUM
fsr-3888	222	51	0	0	NUM
fsr-3888	222	52	25	25	NUM
fsr-3888	222	53	00	00	NUM
fsr-3888	222	54	0	0	NUM
fsr-3888	222	55	0	0	NUM
fsr-3888	222	56	0	0	NUM
fsr-3888	222	57	0	0	NUM
fsr-3888	222	58	0	0	NUM
fsr-3888	222	59	0	0	NUM
fsr-3888	222	60	0	0	NUM
fsr-3888	222	61	0	0	NUM
fsr-3888	223	1	43	43	NUM
fsr-3888	223	2	s	s	NOUN
fsr-3888	223	3	ta	ta	PROPN
fsr-3888	223	4	nd	nd	INTJ
fsr-3888	223	5	ar	ar	PROPN
fsr-3888	223	6	d	d	PROPN
fsr-3888	223	7	de	de	X
fsr-3888	223	8	vi	vi	PROPN
fsr-3888	223	9	at	at	ADP
fsr-3888	223	10	io	io	PROPN
fsr-3888	223	11	n	n	ADV
fsr-3888	223	12	14	14	NUM
fsr-3888	223	13	40	40	NUM
fsr-3888	223	14	17	17	NUM
fsr-3888	223	15	.7	.7	NUM
fsr-3888	223	16	12	12	NUM
fsr-3888	223	17	91	91	NUM
fsr-3888	223	18	4	4	NUM
fsr-3888	223	19	.	.	NUM
fsr-3888	223	20	19	19	NUM
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fsr-3888	223	22	60	60	NUM
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fsr-3888	223	24	81	81	NUM
fsr-3888	223	25	15	15	NUM
fsr-3888	223	26	0	0	NUM
fsr-3888	223	27	.	.	NOUN
fsr-3888	224	1	6	6	NUM
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fsr-3888	224	4	33	33	NUM
fsr-3888	224	5	.1	.1	NUM
fsr-3888	224	6	13	13	NUM
fsr-3888	224	7	31	31	NUM
fsr-3888	224	8	47	47	NUM
fsr-3888	224	9	.4	.4	NUM
fsr-3888	224	10	35	35	NUM
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fsr-3888	224	12	3	3	NUM
fsr-3888	224	13	.	.	NOUN
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fsr-3888	224	19	19	19	NUM
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fsr-3888	224	22	56	56	NUM
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fsr-3888	224	24	.4	.4	NUM
fsr-3888	224	25	25	25	NUM
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fsr-3888	224	27	.9	.9	NUM
fsr-3888	224	28	16	16	NUM
fsr-3888	224	29	.3	.3	NUM
fsr-3888	225	1	d	d	X
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fsr-3888	225	3	er	er	INTJ
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fsr-3888	226	4	t	t	PROPN
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fsr-3888	226	11	t	t	NOUN
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fsr-3888	226	17	1	1	NUM
fsr-3888	226	18	t	t	NOUN
fsr-3888	226	19	5	5	NUM
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fsr-3888	226	21	1	1	NUM
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fsr-3888	227	2	t	t	NOUN
fsr-3888	227	3	5	5	NUM
fsr-3888	227	4	2	2	NUM
fsr-3888	227	5	3	3	NUM
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fsr-3888	227	8	t	t	NOUN
fsr-3888	227	9	5	5	NUM
fsr-3888	227	10	2	2	NUM
fsr-3888	227	11	5	5	NUM
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fsr-3888	227	13	7	7	NUM
fsr-3888	227	14	t	t	NOUN
fsr-3888	227	15	5	5	NUM
fsr-3888	227	16	2	2	NUM
fsr-3888	227	17	1	1	NUM
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fsr-3888	227	19	.3	.3	NUM
fsr-3888	227	20	t	t	NOUN
fsr-3888	227	21	5	5	NUM
fsr-3888	227	22	2	2	NUM
fsr-3888	227	23	2	2	NUM
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fsr-3888	227	26	t	t	NOUN
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fsr-3888	227	31	t	t	NOUN
fsr-3888	227	32	5	5	NUM
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fsr-3888	227	34	1	1	NUM
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fsr-3888	227	37	t	t	NOUN
fsr-3888	227	38	5	5	NUM
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fsr-3888	227	43	t	t	NOUN
fsr-3888	227	44	5	5	NUM
fsr-3888	227	45	2	2	NUM
fsr-3888	227	46	1	1	NUM
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fsr-3888	227	48	.2	.2	NUM
fsr-3888	227	49	t	t	NOUN
fsr-3888	227	50	5	5	NUM
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fsr-3888	227	53	3	3	NUM
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fsr-3888	227	55	4	4	NUM
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fsr-3888	227	84	.5	.5	NUM
fsr-3888	227	85	z	z	NOUN
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fsr-3888	227	88	3	3	NUM
fsr-3888	227	89	2	2	NUM
fsr-3888	227	90	.5	.5	NUM
fsr-3888	227	91	z	z	NOUN
fsr-3888	227	92	5	5	NUM
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fsr-3888	227	94	2	2	NUM
fsr-3888	227	95	0	0	NUM
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fsr-3888	227	97	z	z	NOUN
fsr-3888	227	98	5	5	NUM
fsr-3888	227	99	2	2	NUM
fsr-3888	227	100	1	1	NUM
fsr-3888	227	101	5	5	NUM
fsr-3888	227	102	.7	.7	PROPN
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fsr-3888	227	125	z	z	NOUN
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fsr-3888	228	1	.4	.4	NUM
fsr-3888	228	2	3z	3z	NUM
fsr-3888	228	3	5	5	NUM
fsr-3888	228	4	2	2	NUM
fsr-3888	228	5	1	1	NUM
fsr-3888	228	6	3	3	NUM
fsr-3888	228	7	.6	.6	NUM
fsr-3888	228	8	6	6	NUM
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fsr-3888	228	11	ck	ck	PROPN
fsr-3888	228	12	/w	/w	PUNCT
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fsr-3888	228	14	te	te	INTJ
fsr-3888	228	15	ra	ra	PROPN
fsr-3888	228	16	tio	tio	PROPN
fsr-3888	228	17	m	m	PROPN
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fsr-3888	228	19	ns	ns	NUM
fsr-3888	228	20	0	0	NUM
fsr-3888	228	21	.	.	PUNCT
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fsr-3888	228	25	.	.	PUNCT
fsr-3888	229	1	02	02	NUM
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fsr-3888	229	4	.	.	NOUN
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fsr-3888	229	6	9	9	NUM
fsr-3888	229	7	0	0	NUM
fsr-3888	229	8	.	.	PUNCT
fsr-3888	230	1	14	14	NUM
fsr-3888	230	2	5	5	NUM
fsr-3888	230	3	0	0	NUM
fsr-3888	230	4	.	.	PUNCT
fsr-3888	231	1	02	02	NUM
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fsr-3888	231	4	.	.	PUNCT
fsr-3888	231	5	00	00	NUM
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fsr-3888	232	3	.	.	PUNCT
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fsr-3888	233	3	0	0	NUM
fsr-3888	233	4	.	.	PUNCT
fsr-3888	233	5	02	02	NUM
fsr-3888	234	1	6	6	NUM
fsr-3888	234	2	0	0	NUM
fsr-3888	234	3	.	.	PUNCT
fsr-3888	235	1	45	45	NUM
fsr-3888	235	2	3	3	NUM
fsr-3888	235	3	0	0	NUM
fsr-3888	235	4	.	.	PUNCT
fsr-3888	236	1	32	32	NUM
fsr-3888	236	2	0	0	NUM
fsr-3888	236	3	.	.	PUNCT
fsr-3888	237	1	04	04	NUM
fsr-3888	238	1	4	4	NUM
fsr-3888	238	2	2	2	NUM
fsr-3888	238	3	0	0	NUM
fsr-3888	238	4	.	.	PUNCT
fsr-3888	239	1	43	43	NUM
fsr-3888	239	2	138	138	NUM
fsr-3888	239	3	y.a	y.a	PROPN
fsr-3888	239	4	.	.	PROPN
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fsr-3888	239	6	et	et	PROPN
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fsr-3888	239	8	.	.	PUNCT
fsr-3888	239	9	/	/	SYM
fsr-3888	239	10	financial	financial	ADJ
fsr-3888	239	11	services	service	NOUN
fsr-3888	239	12	review	review	VERB
fsr-3888	239	13	8	8	NUM
fsr-3888	239	14	(	(	PUNCT
fsr-3888	239	15	1999	1999	NUM
fsr-3888	239	16	)	)	PUNCT
fsr-3888	240	1	129–147	129–147	NUM
fsr-3888	240	2	using	use	VERB
fsr-3888	240	3	a	a	DET
fsr-3888	240	4	two	two	NUM
fsr-3888	240	5	-	-	PUNCT
fsr-3888	240	6	step	step	NOUN
fsr-3888	240	7	procedure	procedure	NOUN
fsr-3888	240	8	.	.	PUNCT
fsr-3888	241	1	first	first	ADV
fsr-3888	241	2	expected	expect	VERB
fsr-3888	241	3	income	income	NOUN
fsr-3888	241	4	is	be	AUX
fsr-3888	241	5	estimated	estimate	VERB
fsr-3888	241	6	and	and	CCONJ
fsr-3888	241	7	then	then	ADV
fsr-3888	241	8	used	use	VERB
fsr-3888	241	9	as	as	ADP
fsr-3888	241	10	an	an	DET
fsr-3888	241	11	instrumental	instrumental	ADJ
fsr-3888	241	12	variable	variable	NOUN
fsr-3888	241	13	in	in	ADP
fsr-3888	241	14	the	the	DET
fsr-3888	241	15	net	net	ADJ
fsr-3888	241	16	worth	worth	ADJ
fsr-3888	241	17	regression	regression	NOUN
fsr-3888	241	18	.	.	PUNCT
fsr-3888	242	1	table	table	NOUN
fsr-3888	242	2	4	4	NUM
fsr-3888	242	3	presents	present	VERB
fsr-3888	242	4	the	the	DET
fsr-3888	242	5	results	result	NOUN
fsr-3888	242	6	of	of	ADP
fsr-3888	242	7	the	the	DET
fsr-3888	242	8	income	income	NOUN
fsr-3888	242	9	and	and	CCONJ
fsr-3888	242	10	net	net	ADJ
fsr-3888	242	11	worth	worth	ADJ
fsr-3888	242	12	regressions	regression	NOUN
fsr-3888	242	13	.	.	PUNCT
fsr-3888	243	1	all	all	DET
fsr-3888	243	2	significant	significant	ADJ
fsr-3888	243	3	coefficients	coefficient	NOUN
fsr-3888	243	4	have	have	VERB
fsr-3888	243	5	the	the	DET
fsr-3888	243	6	expected	expect	VERB
fsr-3888	243	7	sign	sign	NOUN
fsr-3888	243	8	.	.	PUNCT
fsr-3888	244	1	we	we	PRON
fsr-3888	244	2	find	find	VERB
fsr-3888	244	3	that	that	SCONJ
fsr-3888	244	4	the	the	DET
fsr-3888	244	5	income	income	NOUN
fsr-3888	244	6	is	be	AUX
fsr-3888	244	7	significantly	significantly	ADV
fsr-3888	244	8	and	and	CCONJ
fsr-3888	244	9	positively	positively	ADV
fsr-3888	244	10	related	relate	VERB
fsr-3888	244	11	to	to	ADP
fsr-3888	244	12	age	age	NOUN
fsr-3888	244	13	,	,	PUNCT
fsr-3888	244	14	education	education	NOUN
fsr-3888	244	15	,	,	PUNCT
fsr-3888	244	16	work	work	NOUN
fsr-3888	244	17	experience	experience	NOUN
fsr-3888	244	18	,	,	PUNCT
fsr-3888	244	19	marital	marital	ADJ
fsr-3888	244	20	status	status	NOUN
fsr-3888	244	21	,	,	PUNCT
fsr-3888	244	22	pension	pension	NOUN
fsr-3888	244	23	status	status	NOUN
fsr-3888	244	24	,	,	PUNCT
fsr-3888	244	25	self	self	NOUN
fsr-3888	244	26	-	-	PUNCT
fsr-3888	244	27	employment	employment	NOUN
fsr-3888	244	28	status	status	NOUN
fsr-3888	244	29	,	,	PUNCT
fsr-3888	244	30	race	race	NOUN
fsr-3888	244	31	,	,	PUNCT
fsr-3888	244	32	and	and	CCONJ
fsr-3888	244	33	the	the	DET
fsr-3888	244	34	health	health	NOUN
fsr-3888	244	35	condition	condition	NOUN
fsr-3888	244	36	of	of	ADP
fsr-3888	244	37	the	the	DET
fsr-3888	244	38	respondent	respondent	NOUN
fsr-3888	244	39	.	.	PUNCT
fsr-3888	245	1	the	the	DET
fsr-3888	245	2	race	race	NOUN
fsr-3888	245	3	dummy	dummy	ADJ
fsr-3888	245	4	variable	variable	ADJ
fsr-3888	245	5	impacts	impact	NOUN
fsr-3888	245	6	income	income	NOUN
fsr-3888	245	7	and	and	CCONJ
fsr-3888	245	8	net	net	ADJ
fsr-3888	245	9	worth	worth	NOUN
fsr-3888	245	10	in	in	ADP
fsr-3888	245	11	a	a	DET
fsr-3888	245	12	significant	significant	ADJ
fsr-3888	245	13	and	and	CCONJ
fsr-3888	245	14	positive	positive	ADJ
fsr-3888	245	15	manner	manner	NOUN
fsr-3888	245	16	,	,	PUNCT
fsr-3888	245	17	which	which	PRON
fsr-3888	245	18	indicates	indicate	VERB
fsr-3888	245	19	that	that	SCONJ
fsr-3888	245	20	there	there	PRON
fsr-3888	245	21	is	be	VERB
fsr-3888	245	22	a	a	DET
fsr-3888	245	23	significant	significant	ADJ
fsr-3888	245	24	difference	difference	NOUN
fsr-3888	245	25	between	between	ADP
fsr-3888	245	26	the	the	DET
fsr-3888	245	27	races	race	NOUN
fsr-3888	245	28	.	.	PUNCT
fsr-3888	246	1	however	however	ADV
fsr-3888	246	2	,	,	PUNCT
fsr-3888	246	3	this	this	PRON
fsr-3888	246	4	does	do	AUX
fsr-3888	246	5	not	not	PART
fsr-3888	246	6	provide	provide	VERB
fsr-3888	246	7	a	a	DET
fsr-3888	246	8	formal	formal	ADJ
fsr-3888	246	9	test	test	NOUN
fsr-3888	246	10	for	for	ADP
fsr-3888	246	11	significant	significant	ADJ
fsr-3888	246	12	differences	difference	NOUN
fsr-3888	246	13	between	between	ADP
fsr-3888	246	14	the	the	DET
fsr-3888	246	15	net	net	ADJ
fsr-3888	246	16	worth	worth	NOUN
fsr-3888	246	17	of	of	ADP
fsr-3888	246	18	the	the	DET
fsr-3888	246	19	two	two	NUM
fsr-3888	246	20	groups	group	NOUN
fsr-3888	246	21	.	.	PUNCT
fsr-3888	247	1	by	by	ADP
fsr-3888	247	2	using	use	VERB
fsr-3888	247	3	the	the	DET
fsr-3888	247	4	jackson	jackson	PROPN
fsr-3888	247	5	and	and	CCONJ
fsr-3888	247	6	lindley	lindley	PROPN
fsr-3888	247	7	(	(	PUNCT
fsr-3888	247	8	1989	1989	NUM
fsr-3888	247	9	)	)	PUNCT
fsr-3888	247	10	approach	approach	NOUN
fsr-3888	247	11	we	we	PRON
fsr-3888	247	12	estimate	estimate	VERB
fsr-3888	247	13	five	five	NUM
fsr-3888	247	14	separate	separate	ADJ
fsr-3888	247	15	net	net	ADJ
fsr-3888	247	16	worth	worth	ADJ
fsr-3888	247	17	regressions	regression	NOUN
fsr-3888	247	18	using	use	VERB
fsr-3888	247	19	the	the	DET
fsr-3888	247	20	white	white	ADJ
fsr-3888	247	21	sample	sample	NOUN
fsr-3888	247	22	,	,	PUNCT
fsr-3888	247	23	the	the	DET
fsr-3888	247	24	black	black	ADJ
fsr-3888	247	25	sample	sample	NOUN
fsr-3888	247	26	,	,	PUNCT
fsr-3888	247	27	the	the	DET
fsr-3888	247	28	pooled	pool	VERB
fsr-3888	247	29	data	data	NOUN
fsr-3888	247	30	sample	sample	NOUN
fsr-3888	247	31	with	with	ADP
fsr-3888	247	32	no	no	DET
fsr-3888	247	33	table	table	NOUN
fsr-3888	247	34	3	3	NUM
fsr-3888	247	35	net	net	NOUN
fsr-3888	247	36	worth	worth	NOUN
fsr-3888	247	37	and	and	CCONJ
fsr-3888	247	38	income	income	NOUN
fsr-3888	247	39	distribution	distribution	NOUN
fsr-3888	247	40	by	by	ADP
fsr-3888	247	41	race	race	NOUN
fsr-3888	247	42	panel	panel	NOUN
fsr-3888	247	43	a	a	DET
fsr-3888	247	44	:	:	PUNCT
fsr-3888	247	45	number	number	NOUN
fsr-3888	247	46	of	of	ADP
fsr-3888	247	47	households	household	NOUN
fsr-3888	247	48	in	in	ADP
fsr-3888	247	49	each	each	DET
fsr-3888	247	50	quartile	quartile	NOUN
fsr-3888	247	51	of	of	ADP
fsr-3888	247	52	net	net	ADJ
fsr-3888	247	53	worth	worth	NOUN
fsr-3888	247	54	.	.	PUNCT
fsr-3888	248	1	numbers	number	NOUN
fsr-3888	248	2	in	in	ADP
fsr-3888	248	3	parenthesis	parenthesis	NOUN
fsr-3888	248	4	indicates	indicate	VERB
fsr-3888	248	5	the	the	DET
fsr-3888	248	6	percentage	percentage	NOUN
fsr-3888	248	7	of	of	ADP
fsr-3888	248	8	the	the	DET
fsr-3888	248	9	net	net	ADJ
fsr-3888	248	10	worth	worth	NOUN
fsr-3888	248	11	quartile	quartile	ADV
fsr-3888	248	12	made	make	VERB
fsr-3888	248	13	up	up	ADP
fsr-3888	248	14	of	of	ADP
fsr-3888	248	15	that	that	DET
fsr-3888	248	16	racial	racial	ADJ
fsr-3888	248	17	group	group	NOUN
fsr-3888	248	18	.	.	PUNCT
fsr-3888	249	1	total	total	ADJ
fsr-3888	249	2	white	white	ADJ
fsr-3888	249	3	black	black	ADJ
fsr-3888	249	4	net	net	ADJ
fsr-3888	249	5	worth	worth	NOUN
fsr-3888	249	6	,	,	PUNCT
fsr-3888	249	7	$	$	SYM
fsr-3888	249	8	21	21	NUM
fsr-3888	249	9	290	290	NUM
fsr-3888	249	10	4	4	NUM
fsr-3888	249	11	382	382	NUM
fsr-3888	249	12	3	3	NUM
fsr-3888	249	13	379	379	NUM
fsr-3888	249	14	1	1	NUM
fsr-3888	249	15	003	003	NUM
fsr-3888	249	16	(	(	PUNCT
fsr-3888	249	17	0.7711	0.7711	NUM
fsr-3888	249	18	)	)	PUNCT
fsr-3888	249	19	(	(	PUNCT
fsr-3888	249	20	0.2289	0.2289	NUM
fsr-3888	249	21	)	)	PUNCT
fsr-3888	249	22	$	$	SYM
fsr-3888	249	23	21	21	NUM
fsr-3888	249	24	290	290	NUM
fsr-3888	249	25	#	#	NOUN
fsr-3888	249	26	net	net	NOUN
fsr-3888	249	27	worth	worth	NOUN
fsr-3888	249	28	,	,	PUNCT
fsr-3888	249	29	$	$	SYM
fsr-3888	249	30	133	133	NUM
fsr-3888	249	31	900	900	NUM
fsr-3888	249	32	4	4	NUM
fsr-3888	249	33	377	377	NUM
fsr-3888	249	34	3	3	NUM
fsr-3888	249	35	833	833	NUM
fsr-3888	249	36	544	544	NUM
fsr-3888	249	37	(	(	PUNCT
fsr-3888	249	38	0.8757	0.8757	NUM
fsr-3888	249	39	)	)	PUNCT
fsr-3888	249	40	(	(	PUNCT
fsr-3888	249	41	0.1243	0.1243	NUM
fsr-3888	249	42	)	)	PUNCT
fsr-3888	249	43	$	$	SYM
fsr-3888	249	44	133	133	NUM
fsr-3888	249	45	900	900	NUM
fsr-3888	249	46	#	#	NOUN
fsr-3888	249	47	net	net	NOUN
fsr-3888	249	48	worth	worth	NOUN
fsr-3888	249	49	,	,	PUNCT
fsr-3888	249	50	$	$	SYM
fsr-3888	249	51	944	944	NUM
fsr-3888	249	52	125	125	NUM
fsr-3888	249	53	4	4	NUM
fsr-3888	249	54	387	387	NUM
fsr-3888	249	55	4	4	NUM
fsr-3888	249	56	178	178	NUM
fsr-3888	249	57	209	209	NUM
fsr-3888	249	58	(	(	PUNCT
fsr-3888	249	59	0.9545	0.9545	NUM
fsr-3888	249	60	)	)	PUNCT
fsr-3888	249	61	(	(	PUNCT
fsr-3888	249	62	0.0478	0.0478	NUM
fsr-3888	249	63	)	)	PUNCT
fsr-3888	249	64	net	net	NOUN
fsr-3888	249	65	worth$	worth$	PROPN
fsr-3888	249	66	$	$	SYM
fsr-3888	249	67	944	944	NUM
fsr-3888	249	68	125	125	NUM
fsr-3888	249	69	4	4	NUM
fsr-3888	249	70	382	382	NUM
fsr-3888	249	71	4	4	NUM
fsr-3888	249	72	348	348	NUM
fsr-3888	249	73	34	34	NUM
fsr-3888	249	74	(	(	PUNCT
fsr-3888	249	75	0.9922	0.9922	NUM
fsr-3888	249	76	)	)	PUNCT
fsr-3888	249	77	(	(	PUNCT
fsr-3888	249	78	0.0078	0.0078	NUM
fsr-3888	249	79	)	)	PUNCT
fsr-3888	249	80	total	total	NOUN
fsr-3888	249	81	17	17	NUM
fsr-3888	249	82	528	528	NUM
fsr-3888	249	83	15	15	NUM
fsr-3888	249	84	738	738	NUM
fsr-3888	249	85	1	1	NUM
fsr-3888	249	86	790	790	NUM
fsr-3888	249	87	panel	panel	NOUN
fsr-3888	249	88	b	b	NOUN
fsr-3888	249	89	:	:	PUNCT
fsr-3888	249	90	number	number	NOUN
fsr-3888	249	91	of	of	ADP
fsr-3888	249	92	households	household	NOUN
fsr-3888	249	93	in	in	ADP
fsr-3888	249	94	each	each	DET
fsr-3888	249	95	quartile	quartile	NOUN
fsr-3888	249	96	of	of	ADP
fsr-3888	249	97	income	income	NOUN
fsr-3888	249	98	.	.	PUNCT
fsr-3888	250	1	numbers	number	NOUN
fsr-3888	250	2	in	in	ADP
fsr-3888	250	3	parenthesis	parenthesis	NOUN
fsr-3888	250	4	indicates	indicate	VERB
fsr-3888	250	5	the	the	DET
fsr-3888	250	6	percentage	percentage	NOUN
fsr-3888	250	7	of	of	ADP
fsr-3888	250	8	the	the	DET
fsr-3888	250	9	income	income	NOUN
fsr-3888	250	10	quartile	quartile	ADV
fsr-3888	250	11	made	make	VERB
fsr-3888	250	12	up	up	ADP
fsr-3888	250	13	of	of	ADP
fsr-3888	250	14	that	that	DET
fsr-3888	250	15	racial	racial	ADJ
fsr-3888	250	16	group	group	NOUN
fsr-3888	250	17	.	.	PUNCT
fsr-3888	251	1	income	income	NOUN
fsr-3888	251	2	#	#	NOUN
fsr-3888	251	3	$	$	SYM
fsr-3888	251	4	19	19	NUM
fsr-3888	251	5	000	000	NUM
fsr-3888	251	6	4	4	NUM
fsr-3888	251	7	288	288	NUM
fsr-3888	251	8	3	3	NUM
fsr-3888	251	9	337	337	NUM
fsr-3888	251	10	951	951	NUM
fsr-3888	251	11	(	(	PUNCT
fsr-3888	251	12	0.7782	0.7782	NUM
fsr-3888	251	13	)	)	PUNCT
fsr-3888	251	14	(	(	PUNCT
fsr-3888	251	15	0.2218	0.2218	NUM
fsr-3888	251	16	)	)	PUNCT
fsr-3888	251	17	$	$	SYM
fsr-3888	251	18	19	19	NUM
fsr-3888	251	19	000	000	NUM
fsr-3888	251	20	#	#	NOUN
fsr-3888	251	21	income	income	NOUN
fsr-3888	251	22	,	,	PUNCT
fsr-3888	251	23	$	$	SYM
fsr-3888	251	24	42	42	NUM
fsr-3888	251	25	000	000	NUM
fsr-3888	251	26	4	4	NUM
fsr-3888	251	27	304	304	NUM
fsr-3888	251	28	3	3	NUM
fsr-3888	251	29	780	780	NUM
fsr-3888	251	30	516	516	NUM
fsr-3888	251	31	(	(	PUNCT
fsr-3888	251	32	0.8801	0.8801	NUM
fsr-3888	251	33	)	)	PUNCT
fsr-3888	251	34	(	(	PUNCT
fsr-3888	251	35	0.1199	0.1199	NUM
fsr-3888	251	36	)	)	PUNCT
fsr-3888	251	37	$	$	SYM
fsr-3888	251	38	42	42	NUM
fsr-3888	251	39	000	000	NUM
fsr-3888	251	40	#	#	NOUN
fsr-3888	251	41	income	income	NOUN
fsr-3888	251	42	,	,	PUNCT
fsr-3888	251	43	$	$	SYM
fsr-3888	251	44	114	114	NUM
fsr-3888	251	45	000	000	NUM
fsr-3888	251	46	4	4	NUM
fsr-3888	251	47	540	540	NUM
fsr-3888	251	48	4	4	NUM
fsr-3888	251	49	259	259	NUM
fsr-3888	251	50	281	281	NUM
fsr-3888	251	51	(	(	PUNCT
fsr-3888	251	52	0.9381	0.9381	NUM
fsr-3888	251	53	)	)	PUNCT
fsr-3888	251	54	(	(	PUNCT
fsr-3888	251	55	0.0619	0.0619	NUM
fsr-3888	251	56	)	)	PUNCT
fsr-3888	251	57	income$	income$	X
fsr-3888	251	58	$	$	SYM
fsr-3888	251	59	114	114	NUM
fsr-3888	251	60	000	000	NUM
fsr-3888	251	61	4	4	NUM
fsr-3888	251	62	396	396	NUM
fsr-3888	251	63	4	4	NUM
fsr-3888	251	64	354	354	NUM
fsr-3888	251	65	42	42	NUM
fsr-3888	251	66	(	(	PUNCT
fsr-3888	251	67	0.9909	0.9909	NUM
fsr-3888	251	68	)	)	PUNCT
fsr-3888	251	69	(	(	PUNCT
fsr-3888	251	70	0.0096	0.0096	NUM
fsr-3888	251	71	)	)	PUNCT
fsr-3888	251	72	total	total	NOUN
fsr-3888	251	73	17	17	NUM
fsr-3888	251	74	578	578	NUM
fsr-3888	251	75	15	15	NUM
fsr-3888	251	76	738	738	NUM
fsr-3888	251	77	1	1	NUM
fsr-3888	251	78	790	790	NUM
fsr-3888	251	79	panel	panel	NOUN
fsr-3888	251	80	c	c	NOUN
fsr-3888	251	81	:	:	PUNCT
fsr-3888	251	82	percentage	percentage	NOUN
fsr-3888	251	83	of	of	ADP
fsr-3888	251	84	total	total	ADJ
fsr-3888	251	85	population	population	NOUN
fsr-3888	251	86	(	(	PUNCT
fsr-3888	251	87	17	17	NUM
fsr-3888	251	88	578	578	NUM
fsr-3888	251	89	)	)	PUNCT
fsr-3888	251	90	or	or	CCONJ
fsr-3888	251	91	racial	racial	ADJ
fsr-3888	251	92	group	group	NOUN
fsr-3888	251	93	in	in	ADP
fsr-3888	251	94	a	a	DET
fsr-3888	251	95	particular	particular	ADJ
fsr-3888	251	96	net	net	ADJ
fsr-3888	251	97	worth	worth	NOUN
fsr-3888	251	98	quartile	quartile	NOUN
fsr-3888	251	99	.	.	PUNCT
fsr-3888	252	1	net	net	ADJ
fsr-3888	252	2	worth	worth	NOUN
fsr-3888	252	3	,	,	PUNCT
fsr-3888	252	4	$	$	SYM
fsr-3888	252	5	21	21	NUM
fsr-3888	252	6	290	290	NUM
fsr-3888	252	7	0.2500	0.2500	NUM
fsr-3888	252	8	0.2147	0.2147	NUM
fsr-3888	252	9	0.5603	0.5603	NUM
fsr-3888	252	10	$	$	SYM
fsr-3888	252	11	21	21	NUM
fsr-3888	252	12	290	290	NUM
fsr-3888	252	13	#	#	NOUN
fsr-3888	252	14	net	net	NOUN
fsr-3888	252	15	worth	worth	NOUN
fsr-3888	252	16	,	,	PUNCT
fsr-3888	252	17	$	$	SYM
fsr-3888	252	18	133	133	NUM
fsr-3888	252	19	900	900	NUM
fsr-3888	252	20	0.2497	0.2497	NUM
fsr-3888	252	21	0.2435	0.2435	NUM
fsr-3888	252	22	0.3039	0.3039	NUM
fsr-3888	252	23	$	$	SYM
fsr-3888	252	24	133	133	NUM
fsr-3888	252	25	900	900	NUM
fsr-3888	252	26	#	#	NOUN
fsr-3888	252	27	net	net	NOUN
fsr-3888	252	28	worth	worth	NOUN
fsr-3888	252	29	,	,	PUNCT
fsr-3888	252	30	$	$	SYM
fsr-3888	252	31	944	944	NUM
fsr-3888	252	32	125	125	NUM
fsr-3888	252	33	0.2503	0.2503	NUM
fsr-3888	252	34	0.2655	0.2655	NUM
fsr-3888	252	35	0.1168	0.1168	NUM
fsr-3888	252	36	net	net	NOUN
fsr-3888	252	37	worth$	worth$	PROPN
fsr-3888	252	38	$	$	SYM
fsr-3888	252	39	944	944	NUM
fsr-3888	252	40	125	125	NUM
fsr-3888	252	41	0.2500	0.2500	NUM
fsr-3888	252	42	0.2762	0.2762	NUM
fsr-3888	252	43	0.0190	0.0190	NUM
fsr-3888	252	44	panel	panel	NOUN
fsr-3888	252	45	d	d	NOUN
fsr-3888	252	46	:	:	PUNCT
fsr-3888	252	47	percentage	percentage	NOUN
fsr-3888	252	48	of	of	ADP
fsr-3888	252	49	total	total	ADJ
fsr-3888	252	50	population	population	NOUN
fsr-3888	252	51	(	(	PUNCT
fsr-3888	252	52	17,578	17,578	NUM
fsr-3888	252	53	)	)	PUNCT
fsr-3888	252	54	or	or	CCONJ
fsr-3888	252	55	racial	racial	ADJ
fsr-3888	252	56	group	group	NOUN
fsr-3888	252	57	in	in	ADP
fsr-3888	252	58	a	a	DET
fsr-3888	252	59	particular	particular	ADJ
fsr-3888	252	60	income	income	NOUN
fsr-3888	252	61	quartile	quartile	NOUN
fsr-3888	252	62	.	.	PUNCT
fsr-3888	253	1	income	income	NOUN
fsr-3888	253	2	,	,	PUNCT
fsr-3888	253	3	$	$	SYM
fsr-3888	253	4	19	19	NUM
fsr-3888	253	5	000	000	NUM
fsr-3888	253	6	0.2446	0.2446	NUM
fsr-3888	253	7	0.2120	0.2120	NUM
fsr-3888	253	8	0.5313	0.5313	NUM
fsr-3888	253	9	$	$	SYM
fsr-3888	253	10	19	19	NUM
fsr-3888	253	11	000	000	NUM
fsr-3888	253	12	#	#	NOUN
fsr-3888	253	13	income	income	NOUN
fsr-3888	253	14	,	,	PUNCT
fsr-3888	253	15	$	$	SYM
fsr-3888	253	16	42	42	NUM
fsr-3888	253	17	000	000	NUM
fsr-3888	254	1	0.2456	0.2456	NUM
fsr-3888	254	2	0.2407	0.2407	NUM
fsr-3888	254	3	0.2883	0.2883	NUM
fsr-3888	254	4	$	$	SYM
fsr-3888	254	5	42	42	NUM
fsr-3888	254	6	000	000	NUM
fsr-3888	254	7	#	#	NOUN
fsr-3888	254	8	income	income	NOUN
fsr-3888	254	9	,	,	PUNCT
fsr-3888	254	10	$	$	SYM
fsr-3888	254	11	114	114	NUM
fsr-3888	254	12	000	000	NUM
fsr-3888	254	13	0.2490	0.2490	NUM
fsr-3888	254	14	0.2706	0.2706	NUM
fsr-3888	254	15	0.1570	0.1570	NUM
fsr-3888	254	16	income$	income$	X
fsr-3888	254	17	$	$	SYM
fsr-3888	254	18	114	114	NUM
fsr-3888	254	19	000	000	NUM
fsr-3888	254	20	0.2508	0.2508	NUM
fsr-3888	254	21	0.2767	0.2767	NUM
fsr-3888	254	22	0.0234	0.0234	NUM
fsr-3888	254	23	139y.a	139y.a	NUM
fsr-3888	254	24	.	.	PUNCT
fsr-3888	255	1	badu	badu	PROPN
fsr-3888	255	2	et	et	PROPN
fsr-3888	255	3	al	al	PROPN
fsr-3888	255	4	.	.	PUNCT
fsr-3888	255	5	/	/	SYM
fsr-3888	255	6	financial	financial	ADJ
fsr-3888	255	7	services	service	NOUN
fsr-3888	255	8	review	review	VERB
fsr-3888	255	9	8	8	NUM
fsr-3888	255	10	(	(	PUNCT
fsr-3888	255	11	1999	1999	NUM
fsr-3888	255	12	)	)	PUNCT
fsr-3888	255	13	129–147	129–147	NUM
fsr-3888	255	14	dummy	dummy	NOUN
fsr-3888	255	15	or	or	CCONJ
fsr-3888	255	16	interaction	interaction	NOUN
fsr-3888	255	17	terms	term	NOUN
fsr-3888	255	18	,	,	PUNCT
fsr-3888	255	19	the	the	DET
fsr-3888	255	20	pooled	pool	VERB
fsr-3888	255	21	data	datum	NOUN
fsr-3888	255	22	set	set	VERB
fsr-3888	255	23	with	with	ADP
fsr-3888	255	24	a	a	DET
fsr-3888	255	25	race	race	NOUN
fsr-3888	255	26	dummy	dummy	NOUN
fsr-3888	255	27	and	and	CCONJ
fsr-3888	255	28	finally	finally	ADV
fsr-3888	255	29	the	the	DET
fsr-3888	255	30	pooled	pool	VERB
fsr-3888	255	31	data	datum	NOUN
fsr-3888	255	32	set	set	VERB
fsr-3888	255	33	with	with	ADP
fsr-3888	255	34	a	a	DET
fsr-3888	255	35	race	race	NOUN
fsr-3888	255	36	dummy	dummy	NOUN
fsr-3888	255	37	and	and	CCONJ
fsr-3888	255	38	interaction	interaction	NOUN
fsr-3888	255	39	terms	term	NOUN
fsr-3888	255	40	.	.	PUNCT
fsr-3888	256	1	table	table	NOUN
fsr-3888	256	2	5	5	NUM
fsr-3888	256	3	presents	present	VERB
fsr-3888	256	4	the	the	DET
fsr-3888	256	5	result	result	NOUN
fsr-3888	256	6	of	of	ADP
fsr-3888	256	7	the	the	DET
fsr-3888	256	8	jackson	jackson	PROPN
fsr-3888	256	9	and	and	CCONJ
fsr-3888	256	10	lindley	lindley	PROPN
fsr-3888	256	11	analysis	analysis	NOUN
fsr-3888	256	12	.	.	PUNCT
fsr-3888	257	1	we	we	PRON
fsr-3888	257	2	have	have	AUX
fsr-3888	257	3	not	not	PART
fsr-3888	257	4	reported	report	VERB
fsr-3888	257	5	all	all	PRON
fsr-3888	257	6	of	of	ADP
fsr-3888	257	7	the	the	DET
fsr-3888	257	8	results	result	NOUN
fsr-3888	257	9	of	of	ADP
fsr-3888	257	10	the	the	DET
fsr-3888	257	11	net	net	ADJ
fsr-3888	257	12	worth	worth	ADJ
fsr-3888	257	13	regressions	regression	NOUN
fsr-3888	257	14	but	but	CCONJ
fsr-3888	257	15	they	they	PRON
fsr-3888	257	16	are	be	AUX
fsr-3888	257	17	available	available	ADJ
fsr-3888	257	18	upon	upon	SCONJ
fsr-3888	257	19	request	request	NOUN
fsr-3888	257	20	from	from	ADP
fsr-3888	257	21	the	the	DET
fsr-3888	257	22	authors	author	NOUN
fsr-3888	257	23	.	.	PUNCT
fsr-3888	258	1	the	the	DET
fsr-3888	258	2	finding	finding	NOUN
fsr-3888	258	3	of	of	ADP
fsr-3888	258	4	particular	particular	ADJ
fsr-3888	258	5	interest	interest	NOUN
fsr-3888	258	6	is	be	AUX
fsr-3888	258	7	the	the	DET
fsr-3888	258	8	constant	constant	ADJ
fsr-3888	258	9	effect	effect	NOUN
fsr-3888	258	10	,	,	PUNCT
fsr-3888	258	11	which	which	PRON
fsr-3888	258	12	is	be	AUX
fsr-3888	258	13	equal	equal	ADJ
fsr-3888	258	14	to25.1142	to25.1142	NOUN
fsr-3888	258	15	.	.	PUNCT
fsr-3888	259	1	we	we	PRON
fsr-3888	259	2	interpret	interpret	VERB
fsr-3888	259	3	the	the	DET
fsr-3888	259	4	significant	significant	ADJ
fsr-3888	259	5	negative	negative	ADJ
fsr-3888	259	6	constant	constant	ADJ
fsr-3888	259	7	term	term	NOUN
fsr-3888	259	8	as	as	ADP
fsr-3888	259	9	an	an	DET
fsr-3888	259	10	indicator	indicator	NOUN
fsr-3888	259	11	of	of	ADP
fsr-3888	259	12	lower	low	ADJ
fsr-3888	259	13	mean	mean	ADJ
fsr-3888	259	14	net	net	ADJ
fsr-3888	259	15	worth	worth	NOUN
fsr-3888	259	16	for	for	ADP
fsr-3888	259	17	whites	white	NOUN
fsr-3888	259	18	due	due	ADP
fsr-3888	259	19	to	to	ADP
fsr-3888	259	20	the	the	DET
fsr-3888	259	21	effect	effect	NOUN
fsr-3888	259	22	of	of	ADP
fsr-3888	259	23	the	the	DET
fsr-3888	259	24	race	race	NOUN
fsr-3888	259	25	dummy	dummy	ADJ
fsr-3888	259	26	variable	variable	NOUN
fsr-3888	259	27	.	.	PUNCT
fsr-3888	260	1	we	we	PRON
fsr-3888	260	2	can	can	AUX
fsr-3888	260	3	not	not	PART
fsr-3888	260	4	confirm	confirm	VERB
fsr-3888	260	5	that	that	SCONJ
fsr-3888	260	6	the	the	DET
fsr-3888	260	7	net	net	ADJ
fsr-3888	260	8	worth	worth	NOUN
fsr-3888	260	9	of	of	ADP
fsr-3888	260	10	black	black	ADJ
fsr-3888	260	11	households	household	NOUN
fsr-3888	260	12	is	be	AUX
fsr-3888	260	13	constrained	constrain	VERB
fsr-3888	260	14	because	because	SCONJ
fsr-3888	260	15	the	the	DET
fsr-3888	260	16	constant	constant	ADJ
fsr-3888	260	17	effect	effect	NOUN
fsr-3888	260	18	has	have	VERB
fsr-3888	260	19	the	the	DET
fsr-3888	260	20	wrong	wrong	ADJ
fsr-3888	260	21	sign	sign	NOUN
fsr-3888	260	22	.	.	PUNCT
fsr-3888	261	1	the	the	DET
fsr-3888	261	2	coefficient	coefficient	ADJ
fsr-3888	261	3	effect	effect	NOUN
fsr-3888	261	4	of	of	ADP
fsr-3888	261	5	5.75872	5.75872	NUM
fsr-3888	261	6	is	be	AUX
fsr-3888	261	7	the	the	DET
fsr-3888	261	8	primary	primary	ADJ
fsr-3888	261	9	reason	reason	NOUN
fsr-3888	261	10	why	why	SCONJ
fsr-3888	261	11	the	the	DET
fsr-3888	261	12	significant	significant	ADJ
fsr-3888	261	13	residual	residual	ADJ
fsr-3888	261	14	difference	difference	NOUN
fsr-3888	261	15	exists	exist	VERB
fsr-3888	261	16	.	.	PUNCT
fsr-3888	262	1	however	however	ADV
fsr-3888	262	2	,	,	PUNCT
fsr-3888	262	3	this	this	DET
fsr-3888	262	4	result	result	NOUN
fsr-3888	262	5	implies	imply	VERB
fsr-3888	262	6	that	that	SCONJ
fsr-3888	262	7	black	black	ADJ
fsr-3888	262	8	table	table	NOUN
fsr-3888	262	9	4	4	NUM
fsr-3888	262	10	income	income	NOUN
fsr-3888	262	11	and	and	CCONJ
fsr-3888	262	12	net	net	ADJ
fsr-3888	262	13	worth	worth	ADJ
fsr-3888	262	14	regression	regression	NOUN
fsr-3888	262	15	analysis	analysis	NOUN
fsr-3888	262	16	income	income	NOUN
fsr-3888	262	17	regression	regression	NOUN
fsr-3888	262	18	eq	eq	ADJ
fsr-3888	262	19	.	.	PUNCT
fsr-3888	263	1	(	(	PUNCT
fsr-3888	263	2	1	1	X
fsr-3888	263	3	)	)	PUNCT
fsr-3888	263	4	net	net	ADJ
fsr-3888	263	5	worth	worth	ADJ
fsr-3888	263	6	regression	regression	NOUN
fsr-3888	263	7	eq	eq	ADP
fsr-3888	263	8	.	.	PUNCT
fsr-3888	264	1	(	(	PUNCT
fsr-3888	264	2	3	3	X
fsr-3888	264	3	)	)	PUNCT
fsr-3888	264	4	independent	independent	ADJ
fsr-3888	264	5	variables	variable	NOUN
fsr-3888	264	6	coefficient	coefficient	NOUN
fsr-3888	264	7	(	(	PUNCT
fsr-3888	264	8	t	t	NOUN
fsr-3888	264	9	-	-	PUNCT
fsr-3888	264	10	statistics	statistic	NOUN
fsr-3888	264	11	)	)	PUNCT
fsr-3888	264	12	independent	independent	ADJ
fsr-3888	264	13	variables	variable	NOUN
fsr-3888	264	14	coefficient	coefficient	NOUN
fsr-3888	264	15	(	(	PUNCT
fsr-3888	264	16	t	t	NOUN
fsr-3888	264	17	-	-	PUNCT
fsr-3888	264	18	statistics	statistic	NOUN
fsr-3888	264	19	)	)	PUNCT
fsr-3888	264	20	intercept	intercept	VERB
fsr-3888	264	21	6.12	6.12	NUM
fsr-3888	264	22	intercept	intercept	NOUN
fsr-3888	264	23	253.68	253.68	NUM
fsr-3888	264	24	(	(	PUNCT
fsr-3888	264	25	59.35)a	59.35)a	NUM
fsr-3888	264	26	(	(	PUNCT
fsr-3888	264	27	211.69)a	211.69)a	NUM
fsr-3888	264	28	age	age	NOUN
fsr-3888	264	29	0.05	0.05	NUM
fsr-3888	264	30	ln(xinc	ln(xinc	NOUN
fsr-3888	264	31	)	)	PUNCT
fsr-3888	264	32	10.31	10.31	NUM
fsr-3888	264	33	(	(	PUNCT
fsr-3888	264	34	13.09)a	13.09)a	NUM
fsr-3888	264	35	(	(	PUNCT
fsr-3888	264	36	10.63)a	10.63)a	NUM
fsr-3888	264	37	(	(	PUNCT
fsr-3888	264	38	age)2	age)2	PROPN
fsr-3888	264	39	20.0003	20.0003	NUM
fsr-3888	264	40	ln(xinc)t	ln(xinc)t	ADJ
fsr-3888	264	41	)	)	PUNCT
fsr-3888	264	42	2	2	NUM
fsr-3888	264	43	20.53	20.53	NUM
fsr-3888	264	44	(	(	PUNCT
fsr-3888	264	45	27.02)a	27.02)a	NUM
fsr-3888	264	46	(	(	PUNCT
fsr-3888	264	47	211.29)a	211.29)a	NUM
fsr-3888	264	48	educ	educ	VERB
fsr-3888	264	49	0.91	0.91	NUM
fsr-3888	264	50	ln(tinct	ln(tinct	PROPN
fsr-3888	264	51	)	)	PUNCT
fsr-3888	264	52	0.92	0.92	NUM
fsr-3888	264	53	(	(	PUNCT
fsr-3888	264	54	31.16)a	31.16)a	NUM
fsr-3888	264	55	(	(	PUNCT
fsr-3888	264	56	48.28)a	48.28)a	NUM
fsr-3888	264	57	semploy	semploy	NOUN
fsr-3888	264	58	0.90	0.90	NUM
fsr-3888	264	59	age	age	NOUN
fsr-3888	264	60	0.25	0.25	NUM
fsr-3888	264	61	(	(	PUNCT
fsr-3888	264	62	35.63)a	35.63)a	NUM
fsr-3888	264	63	(	(	PUNCT
fsr-3888	264	64	13.46)a	13.46)a	NUM
fsr-3888	264	65	race	race	NOUN
fsr-3888	264	66	0.29	0.29	NUM
fsr-3888	264	67	(	(	PUNCT
fsr-3888	264	68	age)2	age)2	PROPN
fsr-3888	264	69	20.001	20.001	NUM
fsr-3888	264	70	(	(	PUNCT
fsr-3888	264	71	11.48)a	11.48)a	NUM
fsr-3888	264	72	(	(	PUNCT
fsr-3888	264	73	29.66)a	29.66)a	NUM
fsr-3888	264	74	marital	marital	ADJ
fsr-3888	264	75	0.59	0.59	NUM
fsr-3888	264	76	educ	educ	VERB
fsr-3888	264	77	1.73	1.73	NUM
fsr-3888	264	78	(	(	PUNCT
fsr-3888	264	79	21.23)a	21.23)a	NUM
fsr-3888	264	80	(	(	PUNCT
fsr-3888	264	81	20.46)a	20.46)a	NUM
fsr-3888	264	82	sex	sex	NOUN
fsr-3888	264	83	0.43	0.43	NUM
fsr-3888	264	84	semploy	semploy	NOUN
fsr-3888	264	85	2.34	2.34	NUM
fsr-3888	264	86	(	(	PUNCT
fsr-3888	264	87	13.18)a	13.18)a	NUM
fsr-3888	264	88	(	(	PUNCT
fsr-3888	264	89	11.09)a	11.09)a	NUM
fsr-3888	264	90	work	work	NOUN
fsr-3888	264	91	0.31	0.31	NUM
fsr-3888	264	92	race	race	NOUN
fsr-3888	264	93	1.30	1.30	NUM
fsr-3888	264	94	(	(	PUNCT
fsr-3888	264	95	11.59)a	11.59)a	NUM
fsr-3888	264	96	(	(	PUNCT
fsr-3888	264	97	12.20)a	12.20)a	NUM
fsr-3888	264	98	children	child	NOUN
fsr-3888	264	99	0.001	0.001	NUM
fsr-3888	264	100	marital	marital	ADJ
fsr-3888	264	101	0.64	0.64	NUM
fsr-3888	264	102	(	(	PUNCT
fsr-3888	264	103	0.18	0.18	NUM
fsr-3888	264	104	)	)	PUNCT
fsr-3888	264	105	(	(	PUNCT
fsr-3888	264	106	6.29)a	6.29)a	NUM
fsr-3888	264	107	health	health	NOUN
fsr-3888	264	108	0.56	0.56	NUM
fsr-3888	264	109	sex	sex	NOUN
fsr-3888	264	110	0.82	0.82	NUM
fsr-3888	264	111	(	(	PUNCT
fsr-3888	264	112	12.00	12.00	NUM
fsr-3888	264	113	)	)	PUNCT
fsr-3888	264	114	(	(	PUNCT
fsr-3888	265	1	9.52)a	9.52)a	ADJ
fsr-3888	265	2	pension	pension	NOUN
fsr-3888	265	3	0.44	0.44	NUM
fsr-3888	265	4	work	work	NOUN
fsr-3888	265	5	0.46	0.46	NUM
fsr-3888	265	6	(	(	PUNCT
fsr-3888	265	7	17.92)a	17.92)a	NUM
fsr-3888	265	8	(	(	PUNCT
fsr-3888	265	9	4.07)a	4.07)a	NUM
fsr-3888	265	10	children	child	NOUN
fsr-3888	265	11	20.07	20.07	NUM
fsr-3888	265	12	(	(	PUNCT
fsr-3888	265	13	24.27)a	24.27)a	NUM
fsr-3888	265	14	health	health	NOUN
fsr-3888	265	15	0.52	0.52	NUM
fsr-3888	265	16	(	(	PUNCT
fsr-3888	265	17	2.70)b	2.70)b	ADJ
fsr-3888	265	18	pension	pension	NOUN
fsr-3888	265	19	1.01	1.01	NUM
fsr-3888	265	20	(	(	PUNCT
fsr-3888	265	21	7.53)a	7.53)a	PROPN
fsr-3888	265	22	9r29	9r29	PROPN
fsr-3888	265	23	5	5	NUM
fsr-3888	265	24	0.372	0.372	NUM
fsr-3888	265	25	9r29	9r29	NOUN
fsr-3888	265	26	5	5	NUM
fsr-3888	265	27	0.481	0.481	NUM
fsr-3888	265	28	f	f	X
fsr-3888	265	29	-	-	PUNCT
fsr-3888	265	30	value5	value5	NOUN
fsr-3888	265	31	1048.95	1048.95	NUM
fsr-3888	265	32	f	f	X
fsr-3888	265	33	-	-	PUNCT
fsr-3888	265	34	value5	value5	NOUN
fsr-3888	265	35	1290.78	1290.78	NUM
fsr-3888	265	36	a	a	PRON
fsr-3888	265	37	indicates	indicate	VERB
fsr-3888	265	38	significantly	significantly	ADV
fsr-3888	265	39	different	different	ADJ
fsr-3888	265	40	from	from	ADP
fsr-3888	265	41	zero	zero	NUM
fsr-3888	265	42	at	at	ADP
fsr-3888	265	43	the	the	DET
fsr-3888	265	44	5	5	NUM
fsr-3888	265	45	%	%	NOUN
fsr-3888	265	46	level	level	NOUN
fsr-3888	265	47	.	.	PUNCT
fsr-3888	266	1	b	b	NOUN
fsr-3888	266	2	indicates	indicate	VERB
fsr-3888	266	3	significantly	significantly	ADV
fsr-3888	266	4	different	different	ADJ
fsr-3888	266	5	from	from	ADP
fsr-3888	266	6	zero	zero	NUM
fsr-3888	266	7	at	at	ADP
fsr-3888	266	8	the	the	DET
fsr-3888	266	9	10	10	NUM
fsr-3888	266	10	%	%	NOUN
fsr-3888	266	11	level	level	NOUN
fsr-3888	266	12	.	.	PUNCT
fsr-3888	267	1	140	140	NUM
fsr-3888	267	2	y.a	y.a	PROPN
fsr-3888	267	3	.	.	PROPN
fsr-3888	267	4	badu	badu	PROPN
fsr-3888	267	5	et	et	PROPN
fsr-3888	267	6	al	al	PROPN
fsr-3888	267	7	.	.	PUNCT
fsr-3888	267	8	/	/	SYM
fsr-3888	267	9	financial	financial	ADJ
fsr-3888	267	10	services	service	NOUN
fsr-3888	267	11	review	review	VERB
fsr-3888	267	12	8	8	NUM
fsr-3888	267	13	(	(	PUNCT
fsr-3888	267	14	1999	1999	NUM
fsr-3888	267	15	)	)	PUNCT
fsr-3888	268	1	129–147	129–147	NUM
fsr-3888	268	2	households	household	NOUN
fsr-3888	268	3	have	have	VERB
fsr-3888	268	4	significantly	significantly	ADV
fsr-3888	268	5	lower	low	ADJ
fsr-3888	268	6	net	net	ADJ
fsr-3888	268	7	worth	worth	ADJ
fsr-3888	268	8	due	due	ADP
fsr-3888	268	9	to	to	ADP
fsr-3888	268	10	their	their	PRON
fsr-3888	268	11	response	response	NOUN
fsr-3888	268	12	to	to	ADP
fsr-3888	268	13	the	the	DET
fsr-3888	268	14	independent	independent	ADJ
fsr-3888	268	15	variables	variable	NOUN
fsr-3888	268	16	.	.	PUNCT
fsr-3888	269	1	we	we	PRON
fsr-3888	269	2	believe	believe	VERB
fsr-3888	269	3	that	that	SCONJ
fsr-3888	269	4	the	the	DET
fsr-3888	269	5	significant	significant	ADJ
fsr-3888	269	6	differences	difference	NOUN
fsr-3888	269	7	in	in	ADP
fsr-3888	269	8	net	net	ADJ
fsr-3888	269	9	worth	worth	NOUN
fsr-3888	269	10	across	across	ADP
fsr-3888	269	11	races	race	NOUN
fsr-3888	269	12	should	should	AUX
fsr-3888	269	13	engender	engender	VERB
fsr-3888	269	14	different	different	ADJ
fsr-3888	269	15	portfolio	portfolio	NOUN
fsr-3888	269	16	decisions	decision	NOUN
fsr-3888	269	17	,	,	PUNCT
fsr-3888	269	18	which	which	PRON
fsr-3888	269	19	we	we	PRON
fsr-3888	269	20	investigate	investigate	VERB
fsr-3888	269	21	with	with	ADP
fsr-3888	269	22	canonical	canonical	ADJ
fsr-3888	269	23	correlation	correlation	NOUN
fsr-3888	269	24	analysis	analysis	NOUN
fsr-3888	269	25	.	.	PUNCT
fsr-3888	270	1	the	the	DET
fsr-3888	270	2	expected	expect	VERB
fsr-3888	270	3	different	different	ADJ
fsr-3888	270	4	portfolio	portfolio	NOUN
fsr-3888	270	5	decisions	decision	NOUN
fsr-3888	270	6	must	must	AUX
fsr-3888	270	7	be	be	AUX
fsr-3888	270	8	evident	evident	ADJ
fsr-3888	270	9	in	in	ADP
fsr-3888	270	10	their	their	PRON
fsr-3888	270	11	impacts	impact	NOUN
fsr-3888	270	12	on	on	ADP
fsr-3888	270	13	the	the	DET
fsr-3888	270	14	respective	respective	ADJ
fsr-3888	270	15	balance	balance	NOUN
fsr-3888	270	16	sheets	sheet	NOUN
fsr-3888	270	17	and	and	CCONJ
fsr-3888	270	18	composition	composition	NOUN
fsr-3888	270	19	.	.	PUNCT
fsr-3888	271	1	we	we	PRON
fsr-3888	271	2	use	use	VERB
fsr-3888	271	3	six	six	NUM
fsr-3888	271	4	possible	possible	ADJ
fsr-3888	271	5	canonical	canonical	ADJ
fsr-3888	271	6	roots	root	NOUN
fsr-3888	271	7	given	give	VERB
fsr-3888	271	8	the	the	DET
fsr-3888	271	9	representation	representation	NOUN
fsr-3888	271	10	of	of	ADP
fsr-3888	271	11	the	the	DET
fsr-3888	271	12	problem	problem	NOUN
fsr-3888	271	13	presented	present	VERB
fsr-3888	271	14	in	in	ADP
fsr-3888	271	15	this	this	DET
fsr-3888	271	16	study	study	NOUN
fsr-3888	271	17	.	.	PUNCT
fsr-3888	272	1	in	in	ADP
fsr-3888	272	2	general	general	ADJ
fsr-3888	272	3	,	,	PUNCT
fsr-3888	272	4	subjective	subjective	ADJ
fsr-3888	272	5	judgment	judgment	NOUN
fsr-3888	272	6	must	must	AUX
fsr-3888	272	7	be	be	AUX
fsr-3888	272	8	exercised	exercise	VERB
fsr-3888	272	9	to	to	PART
fsr-3888	272	10	determine	determine	VERB
fsr-3888	272	11	which	which	PRON
fsr-3888	272	12	of	of	ADP
fsr-3888	272	13	the	the	DET
fsr-3888	272	14	canonical	canonical	ADJ
fsr-3888	272	15	loadings	loading	NOUN
fsr-3888	272	16	warrant	warrant	NOUN
fsr-3888	272	17	interpretation	interpretation	NOUN
fsr-3888	272	18	.	.	PUNCT
fsr-3888	273	1	however	however	ADV
fsr-3888	273	2	,	,	PUNCT
fsr-3888	273	3	in	in	ADP
fsr-3888	273	4	this	this	DET
fsr-3888	273	5	particular	particular	ADJ
fsr-3888	273	6	analysis	analysis	NOUN
fsr-3888	273	7	we	we	PRON
fsr-3888	273	8	keep	keep	VERB
fsr-3888	273	9	only	only	ADV
fsr-3888	273	10	the	the	DET
fsr-3888	273	11	roots	root	NOUN
fsr-3888	273	12	whose	whose	DET
fsr-3888	273	13	correlation	correlation	NOUN
fsr-3888	273	14	is	be	AUX
fsr-3888	273	15	at	at	ADP
fsr-3888	273	16	least	least	ADJ
fsr-3888	273	17	63	63	NUM
fsr-3888	273	18	%	%	NOUN
fsr-3888	273	19	and	and	CCONJ
fsr-3888	273	20	in	in	ADP
fsr-3888	273	21	most	most	ADJ
fsr-3888	273	22	cases	case	NOUN
fsr-3888	273	23	above	above	ADP
fsr-3888	273	24	90	90	NUM
fsr-3888	273	25	%	%	NOUN
fsr-3888	273	26	.	.	PUNCT
fsr-3888	274	1	the	the	DET
fsr-3888	274	2	second	second	ADJ
fsr-3888	274	3	column	column	NOUN
fsr-3888	274	4	of	of	ADP
fsr-3888	274	5	table	table	NOUN
fsr-3888	274	6	6	6	NUM
fsr-3888	274	7	provides	provide	VERB
fsr-3888	274	8	the	the	DET
fsr-3888	274	9	significant	significant	ADJ
fsr-3888	274	10	roots	root	NOUN
fsr-3888	274	11	for	for	ADP
fsr-3888	274	12	each	each	DET
fsr-3888	274	13	subsample	subsample	NOUN
fsr-3888	274	14	.	.	PUNCT
fsr-3888	275	1	the	the	DET
fsr-3888	275	2	first	first	ADJ
fsr-3888	275	3	four	four	NUM
fsr-3888	275	4	roots	root	NOUN
fsr-3888	275	5	of	of	ADP
fsr-3888	275	6	the	the	DET
fsr-3888	275	7	white	white	ADJ
fsr-3888	275	8	-	-	PUNCT
fsr-3888	275	9	only	only	ADV
fsr-3888	275	10	samples	sample	NOUN
fsr-3888	275	11	and	and	CCONJ
fsr-3888	275	12	the	the	DET
fsr-3888	275	13	first	first	ADJ
fsr-3888	275	14	three	three	NUM
fsr-3888	275	15	roots	root	NOUN
fsr-3888	275	16	of	of	ADP
fsr-3888	275	17	the	the	DET
fsr-3888	275	18	black	black	NOUN
fsr-3888	275	19	-	-	PUNCT
fsr-3888	275	20	only	only	ADJ
fsr-3888	275	21	sample	sample	NOUN
fsr-3888	275	22	provide	provide	VERB
fsr-3888	275	23	a	a	DET
fsr-3888	275	24	correlation	correlation	NOUN
fsr-3888	275	25	of	of	ADP
fsr-3888	275	26	at	at	ADV
fsr-3888	275	27	least	least	ADV
fsr-3888	275	28	95	95	NUM
fsr-3888	275	29	%	%	NOUN
fsr-3888	275	30	,	,	PUNCT
fsr-3888	275	31	all	all	DET
fsr-3888	275	32	other	other	ADJ
fsr-3888	275	33	correlation	correlation	NOUN
fsr-3888	275	34	’s	’	VERB
fsr-3888	275	35	are	be	AUX
fsr-3888	275	36	well	well	ADV
fsr-3888	275	37	below	below	ADP
fsr-3888	275	38	50	50	NUM
fsr-3888	275	39	%	%	NOUN
fsr-3888	275	40	.	.	PUNCT
fsr-3888	276	1	thus	thus	ADV
fsr-3888	276	2	,	,	PUNCT
fsr-3888	276	3	the	the	DET
fsr-3888	276	4	parameters	parameter	NOUN
fsr-3888	276	5	for	for	ADP
fsr-3888	276	6	the	the	DET
fsr-3888	276	7	first	first	ADJ
fsr-3888	276	8	four	four	NUM
fsr-3888	276	9	roots	root	NOUN
fsr-3888	276	10	of	of	ADP
fsr-3888	276	11	the	the	DET
fsr-3888	276	12	white	white	ADJ
fsr-3888	276	13	-	-	PUNCT
fsr-3888	276	14	only	only	ADV
fsr-3888	276	15	sample	sample	NOUN
fsr-3888	276	16	and	and	CCONJ
fsr-3888	276	17	the	the	DET
fsr-3888	276	18	first	first	ADJ
fsr-3888	276	19	three	three	NUM
fsr-3888	276	20	roots	root	NOUN
fsr-3888	276	21	of	of	ADP
fsr-3888	276	22	the	the	DET
fsr-3888	276	23	black	black	NOUN
fsr-3888	276	24	-	-	PUNCT
fsr-3888	276	25	only	only	ADJ
fsr-3888	276	26	sample	sample	NOUN
fsr-3888	276	27	will	will	AUX
fsr-3888	276	28	be	be	AUX
fsr-3888	276	29	analyzed	analyze	VERB
fsr-3888	276	30	and	and	CCONJ
fsr-3888	276	31	are	be	AUX
fsr-3888	276	32	detailed	detail	VERB
fsr-3888	276	33	in	in	ADP
fsr-3888	276	34	panels	panel	NOUN
fsr-3888	276	35	a	a	PRON
fsr-3888	276	36	,	,	PUNCT
fsr-3888	276	37	and	and	CCONJ
fsr-3888	276	38	b	b	X
fsr-3888	276	39	of	of	ADP
fsr-3888	276	40	table	table	NOUN
fsr-3888	276	41	6	6	NUM
fsr-3888	276	42	.	.	PUNCT
fsr-3888	277	1	the	the	DET
fsr-3888	277	2	results	result	NOUN
fsr-3888	277	3	of	of	ADP
fsr-3888	277	4	the	the	DET
fsr-3888	277	5	first	first	ADJ
fsr-3888	277	6	loading	loading	NOUN
fsr-3888	277	7	set	set	VERB
fsr-3888	277	8	for	for	ADP
fsr-3888	277	9	the	the	DET
fsr-3888	277	10	white	white	ADJ
fsr-3888	277	11	only	only	ADJ
fsr-3888	277	12	sample	sample	NOUN
fsr-3888	277	13	reveal	reveal	VERB
fsr-3888	277	14	that	that	SCONJ
fsr-3888	277	15	the	the	DET
fsr-3888	277	16	strongest	strong	ADJ
fsr-3888	277	17	and	and	CCONJ
fsr-3888	277	18	therefore	therefore	ADV
fsr-3888	277	19	most	most	ADV
fsr-3888	277	20	prominent	prominent	ADJ
fsr-3888	277	21	relationship	relationship	NOUN
fsr-3888	277	22	exists	exist	VERB
fsr-3888	277	23	between	between	ADP
fsr-3888	277	24	the	the	DET
fsr-3888	277	25	asset	asset	NOUN
fsr-3888	277	26	vehicles	vehicle	NOUN
fsr-3888	277	27	and	and	CCONJ
fsr-3888	277	28	the	the	DET
fsr-3888	277	29	liability	liability	NOUN
fsr-3888	277	30	installment	installment	NOUN
fsr-3888	277	31	credit	credit	NOUN
fsr-3888	277	32	other	other	ADJ
fsr-3888	277	33	then	then	ADV
fsr-3888	277	34	mortgages	mortgage	NOUN
fsr-3888	277	35	.	.	PUNCT
fsr-3888	278	1	in	in	ADP
fsr-3888	278	2	addition	addition	NOUN
fsr-3888	278	3	,	,	PUNCT
fsr-3888	278	4	the	the	DET
fsr-3888	278	5	holdings	holding	NOUN
fsr-3888	278	6	of	of	ADP
fsr-3888	278	7	financial	financial	ADJ
fsr-3888	278	8	assets	asset	NOUN
fsr-3888	278	9	are	be	AUX
fsr-3888	278	10	significant	significant	ADJ
fsr-3888	278	11	in	in	ADP
fsr-3888	278	12	the	the	DET
fsr-3888	278	13	first	first	ADJ
fsr-3888	278	14	loading	loading	NOUN
fsr-3888	278	15	and	and	CCONJ
fsr-3888	278	16	independent	independent	ADJ
fsr-3888	278	17	of	of	ADP
fsr-3888	278	18	any	any	DET
fsr-3888	278	19	liabilities	liability	NOUN
fsr-3888	278	20	indicating	indicate	VERB
fsr-3888	278	21	that	that	SCONJ
fsr-3888	278	22	a	a	DET
fsr-3888	278	23	significant	significant	ADJ
fsr-3888	278	24	portion	portion	NOUN
fsr-3888	278	25	of	of	ADP
fsr-3888	278	26	the	the	DET
fsr-3888	278	27	net	net	ADJ
fsr-3888	278	28	worth	worth	NOUN
fsr-3888	278	29	of	of	ADP
fsr-3888	278	30	the	the	DET
fsr-3888	278	31	white	white	ADJ
fsr-3888	278	32	only	only	ADJ
fsr-3888	278	33	sample	sample	NOUN
fsr-3888	278	34	is	be	AUX
fsr-3888	278	35	concentrated	concentrate	VERB
fsr-3888	278	36	in	in	ADP
fsr-3888	278	37	this	this	DET
fsr-3888	278	38	asset	asset	NOUN
fsr-3888	278	39	.	.	PUNCT
fsr-3888	279	1	the	the	DET
fsr-3888	279	2	significance	significance	NOUN
fsr-3888	279	3	of	of	ADP
fsr-3888	279	4	the	the	DET
fsr-3888	279	5	independence	independence	NOUN
fsr-3888	279	6	of	of	ADP
fsr-3888	279	7	these	these	DET
fsr-3888	279	8	financial	financial	ADJ
fsr-3888	279	9	assets	asset	NOUN
fsr-3888	279	10	from	from	ADP
fsr-3888	279	11	any	any	DET
fsr-3888	279	12	liabilities	liability	NOUN
fsr-3888	279	13	is	be	AUX
fsr-3888	279	14	that	that	SCONJ
fsr-3888	279	15	households	household	NOUN
fsr-3888	279	16	headed	head	VERB
fsr-3888	279	17	by	by	ADP
fsr-3888	279	18	whites	white	NOUN
fsr-3888	279	19	have	have	VERB
fsr-3888	279	20	tangible	tangible	ADJ
fsr-3888	279	21	net	net	ADJ
fsr-3888	279	22	worth	worth	NOUN
fsr-3888	279	23	that	that	PRON
fsr-3888	279	24	provides	provide	VERB
fsr-3888	279	25	a	a	DET
fsr-3888	279	26	wealth	wealth	NOUN
fsr-3888	279	27	effect	effect	NOUN
fsr-3888	279	28	in	in	ADP
fsr-3888	279	29	their	their	PRON
fsr-3888	279	30	use	use	NOUN
fsr-3888	279	31	of	of	ADP
fsr-3888	279	32	financial	financial	ADJ
fsr-3888	279	33	assets	asset	NOUN
fsr-3888	279	34	and	and	CCONJ
fsr-3888	279	35	liabilities	liability	NOUN
fsr-3888	279	36	,	,	PUNCT
fsr-3888	279	37	as	as	ADV
fsr-3888	279	38	well	well	ADV
fsr-3888	279	39	as	as	ADP
fsr-3888	279	40	their	their	PRON
fsr-3888	279	41	spending	spending	NOUN
fsr-3888	279	42	on	on	ADP
fsr-3888	279	43	real	real	ADJ
fsr-3888	279	44	assets	asset	NOUN
fsr-3888	279	45	.	.	PUNCT
fsr-3888	280	1	the	the	DET
fsr-3888	280	2	most	most	ADV
fsr-3888	280	3	prominent	prominent	ADJ
fsr-3888	280	4	relationship	relationship	NOUN
fsr-3888	280	5	found	find	VERB
fsr-3888	280	6	in	in	ADP
fsr-3888	280	7	the	the	DET
fsr-3888	280	8	second	second	ADJ
fsr-3888	280	9	loading	loading	NOUN
fsr-3888	280	10	set	set	NOUN
fsr-3888	280	11	occurs	occur	VERB
fsr-3888	280	12	between	between	ADP
fsr-3888	280	13	liquid	liquid	ADJ
fsr-3888	280	14	assets	asset	NOUN
fsr-3888	280	15	and	and	CCONJ
fsr-3888	280	16	credit	credit	NOUN
fsr-3888	280	17	card	card	NOUN
fsr-3888	280	18	balances	balance	NOUN
fsr-3888	280	19	.	.	PUNCT
fsr-3888	281	1	this	this	PRON
fsr-3888	281	2	indicates	indicate	VERB
fsr-3888	281	3	that	that	SCONJ
fsr-3888	281	4	white	white	ADJ
fsr-3888	281	5	households	household	NOUN
fsr-3888	281	6	place	place	VERB
fsr-3888	281	7	a	a	DET
fsr-3888	281	8	high	high	ADJ
fsr-3888	281	9	value	value	NOUN
fsr-3888	281	10	on	on	ADP
fsr-3888	281	11	liquidity	liquidity	NOUN
fsr-3888	281	12	and	and	CCONJ
fsr-3888	281	13	use	use	VERB
fsr-3888	281	14	that	that	DET
fsr-3888	281	15	liquidity	liquidity	NOUN
fsr-3888	281	16	to	to	PART
fsr-3888	281	17	support	support	VERB
fsr-3888	281	18	their	their	PRON
fsr-3888	281	19	credit	credit	NOUN
fsr-3888	281	20	card	card	NOUN
fsr-3888	281	21	balances	balance	NOUN
fsr-3888	281	22	.	.	PUNCT
fsr-3888	282	1	the	the	DET
fsr-3888	282	2	next	next	ADJ
fsr-3888	282	3	significant	significant	ADJ
fsr-3888	282	4	asset	asset	NOUN
fsr-3888	282	5	and	and	CCONJ
fsr-3888	282	6	liability	liability	NOUN
fsr-3888	282	7	combinations	combination	NOUN
fsr-3888	282	8	are	be	AUX
fsr-3888	282	9	home	home	NOUN
fsr-3888	282	10	sites	site	NOUN
fsr-3888	282	11	and	and	CCONJ
fsr-3888	282	12	mortgages	mortgage	NOUN
fsr-3888	282	13	with	with	ADP
fsr-3888	282	14	primary	primary	ADJ
fsr-3888	282	15	residences	residence	NOUN
fsr-3888	282	16	as	as	ADP
fsr-3888	282	17	collateral	collateral	NOUN
fsr-3888	282	18	followed	follow	VERB
fsr-3888	282	19	by	by	ADP
fsr-3888	282	20	the	the	DET
fsr-3888	282	21	dollar	dollar	NOUN
fsr-3888	282	22	value	value	NOUN
fsr-3888	282	23	of	of	ADP
fsr-3888	282	24	investment	investment	NOUN
fsr-3888	282	25	real	real	ADJ
fsr-3888	282	26	estate	estate	NOUN
fsr-3888	282	27	sold	sell	VERB
fsr-3888	282	28	and	and	CCONJ
fsr-3888	282	29	dollars	dollar	NOUN
fsr-3888	282	30	still	still	ADV
fsr-3888	282	31	owed	owe	VERB
fsr-3888	282	32	for	for	ADP
fsr-3888	282	33	real	real	ADJ
fsr-3888	282	34	estate	estate	NOUN
fsr-3888	282	35	sold	sell	VERB
fsr-3888	282	36	and	and	CCONJ
fsr-3888	282	37	financed	finance	VERB
fsr-3888	282	38	by	by	ADP
fsr-3888	282	39	the	the	DET
fsr-3888	282	40	households	household	NOUN
fsr-3888	282	41	,	,	PUNCT
fsr-3888	282	42	respectively	respectively	ADV
fsr-3888	282	43	,	,	PUNCT
fsr-3888	282	44	for	for	ADP
fsr-3888	282	45	the	the	DET
fsr-3888	282	46	white	white	ADJ
fsr-3888	282	47	households	household	NOUN
fsr-3888	282	48	.	.	PUNCT
fsr-3888	283	1	this	this	PRON
fsr-3888	283	2	indicates	indicate	VERB
fsr-3888	283	3	that	that	SCONJ
fsr-3888	283	4	principal	principal	ADJ
fsr-3888	283	5	residence	residence	NOUN
fsr-3888	283	6	is	be	AUX
fsr-3888	283	7	seen	see	VERB
fsr-3888	283	8	as	as	ADP
fsr-3888	283	9	the	the	DET
fsr-3888	283	10	third	third	ADJ
fsr-3888	283	11	most	most	ADV
fsr-3888	283	12	important	important	ADJ
fsr-3888	283	13	portfolio	portfolio	NOUN
fsr-3888	283	14	asset	asset	NOUN
fsr-3888	283	15	for	for	ADP
fsr-3888	283	16	households	household	NOUN
fsr-3888	283	17	headed	head	VERB
fsr-3888	283	18	by	by	ADP
fsr-3888	283	19	whites	white	NOUN
fsr-3888	283	20	and	and	CCONJ
fsr-3888	283	21	that	that	SCONJ
fsr-3888	283	22	it	it	PRON
fsr-3888	283	23	is	be	AUX
fsr-3888	283	24	financed	finance	VERB
fsr-3888	283	25	with	with	ADP
fsr-3888	283	26	mortgages	mortgage	NOUN
fsr-3888	283	27	.	.	PUNCT
fsr-3888	284	1	the	the	DET
fsr-3888	284	2	fourth	fourth	ADJ
fsr-3888	284	3	loading	loading	NOUN
fsr-3888	284	4	show	show	VERB
fsr-3888	284	5	the	the	DET
fsr-3888	284	6	asset	asset	NOUN
fsr-3888	284	7	and	and	CCONJ
fsr-3888	284	8	table	table	NOUN
fsr-3888	284	9	5	5	NUM
fsr-3888	284	10	jackson	jackson	PROPN
fsr-3888	284	11	and	and	CCONJ
fsr-3888	284	12	lindley	lindley	PROPN
fsr-3888	284	13	analysis	analysis	NOUN
fsr-3888	284	14	white	white	ADJ
fsr-3888	284	15	model	model	PROPN
fsr-3888	284	16	black	black	ADJ
fsr-3888	284	17	model	model	NOUN
fsr-3888	284	18	pooled	pool	VERB
fsr-3888	284	19	no	no	DET
fsr-3888	284	20	race	race	NOUN
fsr-3888	284	21	dummy	dummy	NOUN
fsr-3888	284	22	pooled	pool	VERB
fsr-3888	284	23	race	race	NOUN
fsr-3888	284	24	dummy	dummy	NOUN
fsr-3888	284	25	pooled	pool	VERB
fsr-3888	284	26	race	race	NOUN
fsr-3888	284	27	and	and	CCONJ
fsr-3888	284	28	interaction	interaction	NOUN
fsr-3888	284	29	r2	r2	NOUN
fsr-3888	284	30	0.5298	0.5298	NUM
fsr-3888	284	31	0.3611	0.3611	NUM
fsr-3888	284	32	0.6289	0.6289	NUM
fsr-3888	284	33	0.6303	0.6303	NUM
fsr-3888	284	34	0.6320	0.6320	NUM
fsr-3888	284	35	se	se	X
fsr-3888	284	36	1.09	1.09	NUM
fsr-3888	284	37	1.5147	1.5147	NUM
fsr-3888	284	38	0.7264	0.7264	NUM
fsr-3888	284	39	0.7251	0.7251	NUM
fsr-3888	284	40	0.7233	0.7233	NUM
fsr-3888	284	41	sse	sse	NOUN
fsr-3888	284	42	18514.73	18514.73	NUM
fsr-3888	284	43	4077.0396	4077.0396	NUM
fsr-3888	284	44	8699.397	8699.397	PROPN
fsr-3888	284	45	8666.65	8666.65	NUM
fsr-3888	284	46	8619.53	8619.53	NUM
fsr-3888	284	47	n	n	NUM
fsr-3888	284	48	15045	15045	NUM
fsr-3888	284	49	1454	1454	NUM
fsr-3888	284	50	16499	16499	NUM
fsr-3888	284	51	16499	16499	NUM
fsr-3888	284	52	16499	16499	NUM
fsr-3888	284	53	mean	mean	NOUN
fsr-3888	284	54	log	log	VERB
fsr-3888	284	55	net	net	ADJ
fsr-3888	284	56	worth	worth	NOUN
fsr-3888	284	57	ww	ww	PROPN
fsr-3888	284	58	5	5	NUM
fsr-3888	284	59	5.329295	5.329295	NUM
fsr-3888	284	60	total	total	NOUN
fsr-3888	284	61	effect5	effect5	NOUN
fsr-3888	284	62	1.54692	1.54692	NUM
fsr-3888	284	63	constant	constant	ADJ
fsr-3888	284	64	effect5	effect5	NOUN
fsr-3888	284	65	25.1142	25.1142	NUM
fsr-3888	284	66	wh	wh	VERB
fsr-3888	284	67	5	5	NUM
fsr-3888	284	68	4.426896	4.426896	NUM
fsr-3888	284	69	endowment	endowment	NOUN
fsr-3888	284	70	effect5	effect5	VERB
fsr-3888	284	71	0.90240	0.90240	NUM
fsr-3888	284	72	coefficient	coefficient	NOUN
fsr-3888	284	73	effect5	effect5	VERB
fsr-3888	284	74	0.64452	0.64452	NUM
fsr-3888	284	75	wb	wb	PROPN
fsr-3888	284	76	5	5	NUM
fsr-3888	284	77	3.782373	3.782373	NUM
fsr-3888	284	78	residual	residual	ADJ
fsr-3888	284	79	effect5	effect5	NOUN
fsr-3888	284	80	0.64452	0.64452	NUM
fsr-3888	284	81	f	f	X
fsr-3888	284	82	-	-	PUNCT
fsr-3888	284	83	value	value	NOUN
fsr-3888	284	84	for	for	ADP
fsr-3888	284	85	residual	residual	ADJ
fsr-3888	284	86	effect5	effect5	NOUN
fsr-3888	285	1	13.8799	13.8799	NUM
fsr-3888	285	2	f	f	X
fsr-3888	285	3	-	-	PUNCT
fsr-3888	285	4	value	value	NOUN
fsr-3888	285	5	for	for	ADP
fsr-3888	285	6	coefficient	coefficient	NOUN
fsr-3888	285	7	effect5	effect5	VERB
fsr-3888	285	8	9.00851	9.00851	NUM
fsr-3888	285	9	141y.a	141y.a	NOUN
fsr-3888	285	10	.	.	PUNCT
fsr-3888	286	1	badu	badu	PROPN
fsr-3888	286	2	et	et	PROPN
fsr-3888	286	3	al	al	PROPN
fsr-3888	286	4	.	.	PUNCT
fsr-3888	286	5	/	/	SYM
fsr-3888	286	6	financial	financial	ADJ
fsr-3888	286	7	services	service	NOUN
fsr-3888	286	8	review	review	VERB
fsr-3888	286	9	8	8	NUM
fsr-3888	286	10	(	(	PUNCT
fsr-3888	286	11	1999	1999	NUM
fsr-3888	286	12	)	)	PUNCT
fsr-3888	286	13	129–147	129–147	NUM
fsr-3888	286	14	table	table	NOUN
fsr-3888	286	15	6	6	NUM
fsr-3888	286	16	canonical	canonical	ADJ
fsr-3888	286	17	analysis	analysis	NOUN
fsr-3888	286	18	resultsa	resultsa	NOUN
fsr-3888	286	19	root	root	NOUN
fsr-3888	286	20	(	(	PUNCT
fsr-3888	286	21	canonical	canonical	ADJ
fsr-3888	286	22	correlation	correlation	NOUN
fsr-3888	286	23	)	)	PUNCT
fsr-3888	286	24	assets	asset	NOUN
fsr-3888	286	25	liabilities	liability	NOUN
fsr-3888	286	26	panel	panel	NOUN
fsr-3888	286	27	a	a	DET
fsr-3888	286	28	:	:	PUNCT
fsr-3888	286	29	1st	1st	ADJ
fsr-3888	286	30	vehic	vehic	ADJ
fsr-3888	286	31	fin	fin	NOUN
fsr-3888	286	32	install	install	NOUN
fsr-3888	286	33	(	(	PUNCT
fsr-3888	286	34	0.999	0.999	NUM
fsr-3888	286	35	)	)	PUNCT
fsr-3888	286	36	(	(	PUNCT
fsr-3888	286	37	0.993	0.993	NUM
fsr-3888	286	38	)	)	PUNCT
fsr-3888	286	39	(	(	PUNCT
fsr-3888	286	40	0.987	0.987	NUM
fsr-3888	286	41	)	)	PUNCT
fsr-3888	286	42	(	(	PUNCT
fsr-3888	286	43	0.993	0.993	NUM
fsr-3888	286	44	)	)	PUNCT
fsr-3888	286	45	white	white	ADJ
fsr-3888	286	46	only	only	ADV
fsr-3888	286	47	sample	sample	NOUN
fsr-3888	286	48	2nd	2nd	ADJ
fsr-3888	286	49	liq	liq	NOUN
fsr-3888	286	50	ccbal	ccbal	NOUN
fsr-3888	286	51	(	(	PUNCT
fsr-3888	286	52	0.997	0.997	NUM
fsr-3888	286	53	)	)	PUNCT
fsr-3888	286	54	(	(	PUNCT
fsr-3888	286	55	0.706	0.706	NUM
fsr-3888	286	56	)	)	PUNCT
fsr-3888	286	57	(	(	PUNCT
fsr-3888	286	58	0.915	0.915	NUM
fsr-3888	286	59	)	)	PUNCT
fsr-3888	286	60	(	(	PUNCT
fsr-3888	286	61	n	n	ADV
fsr-3888	286	62	5	5	NUM
fsr-3888	286	63	15738	15738	NUM
fsr-3888	286	64	)	)	PUNCT
fsr-3888	287	1	3rd	3rd	ADJ
fsr-3888	287	2	houses	house	NOUN
fsr-3888	287	3	mrthel	mrthel	PROPN
fsr-3888	287	4	(	(	PUNCT
fsr-3888	287	5	0.992	0.992	NUM
fsr-3888	287	6	)	)	PUNCT
fsr-3888	287	7	(	(	PUNCT
fsr-3888	287	8	0.843	0.843	NUM
fsr-3888	287	9	)	)	PUNCT
fsr-3888	287	10	(	(	PUNCT
fsr-3888	287	11	0.848	0.848	NUM
fsr-3888	287	12	)	)	PUNCT
fsr-3888	287	13	4th	4th	ADJ
fsr-3888	287	14	realest	real	ADJ
fsr-3888	287	15	realdbt	realdbt	NOUN
fsr-3888	287	16	(	(	PUNCT
fsr-3888	287	17	0.990	0.990	NUM
fsr-3888	287	18	)	)	PUNCT
fsr-3888	287	19	(	(	PUNCT
fsr-3888	287	20	0.838	0.838	NUM
fsr-3888	287	21	)	)	PUNCT
fsr-3888	287	22	(	(	PUNCT
fsr-3888	287	23	0.836	0.836	NUM
fsr-3888	287	24	)	)	PUNCT
fsr-3888	287	25	panel	panel	NOUN
fsr-3888	287	26	b	b	NOUN
fsr-3888	287	27	:	:	PUNCT
fsr-3888	287	28	1st	1st	ADJ
fsr-3888	287	29	vehic	vehic	ADJ
fsr-3888	287	30	liq	liq	NOUN
fsr-3888	287	31	install	install	VERB
fsr-3888	287	32	ccbal	ccbal	ADJ
fsr-3888	287	33	black	black	ADJ
fsr-3888	287	34	only	only	ADV
fsr-3888	287	35	sample	sample	NOUN
fsr-3888	287	36	(	(	PUNCT
fsr-3888	287	37	0.999	0.999	NUM
fsr-3888	287	38	)	)	PUNCT
fsr-3888	287	39	(	(	PUNCT
fsr-3888	287	40	0.921	0.921	NUM
fsr-3888	287	41	(	(	PUNCT
fsr-3888	287	42	0.913	0.913	NUM
fsr-3888	287	43	)	)	PUNCT
fsr-3888	287	44	(	(	PUNCT
fsr-3888	287	45	0.995	0.995	NUM
fsr-3888	287	46	)	)	PUNCT
fsr-3888	287	47	(	(	PUNCT
fsr-3888	287	48	0.918	0.918	NUM
fsr-3888	287	49	)	)	PUNCT
fsr-3888	287	50	(	(	PUNCT
fsr-3888	287	51	n	n	ADV
fsr-3888	287	52	5	5	NUM
fsr-3888	287	53	1790	1790	NUM
fsr-3888	287	54	)	)	PUNCT
fsr-3888	287	55	2nd	2nd	PROPN
fsr-3888	287	56	realest	real	ADJ
fsr-3888	287	57	realdbt	realdbt	NOUN
fsr-3888	287	58	(	(	PUNCT
fsr-3888	287	59	0.985	0.985	NUM
fsr-3888	287	60	)	)	PUNCT
fsr-3888	287	61	(	(	PUNCT
fsr-3888	287	62	0.976	0.976	NUM
fsr-3888	287	63	)	)	PUNCT
fsr-3888	287	64	(	(	PUNCT
fsr-3888	287	65	0.975	0.975	NUM
fsr-3888	287	66	)	)	PUNCT
fsr-3888	287	67	3rd	3rd	ADJ
fsr-3888	287	68	houses	house	NOUN
fsr-3888	287	69	mrthel	mrthel	PROPN
fsr-3888	287	70	(	(	PUNCT
fsr-3888	287	71	0.956	0.956	NUM
fsr-3888	287	72	)	)	PUNCT
fsr-3888	287	73	(	(	PUNCT
fsr-3888	287	74	0.949	0.949	NUM
fsr-3888	287	75	)	)	PUNCT
fsr-3888	287	76	(	(	PUNCT
fsr-3888	287	77	0.943	0.943	NUM
fsr-3888	287	78	)	)	PUNCT
fsr-3888	287	79	panel	panel	NOUN
fsr-3888	287	80	c	c	NOUN
fsr-3888	287	81	:	:	PUNCT
fsr-3888	287	82	1st	1st	ADJ
fsr-3888	287	83	houses	house	NOUN
fsr-3888	287	84	mrthel	mrthel	PROPN
fsr-3888	287	85	white	white	ADJ
fsr-3888	287	86	(	(	PUNCT
fsr-3888	287	87	0.997	0.997	NUM
fsr-3888	287	88	)	)	PUNCT
fsr-3888	287	89	(	(	PUNCT
fsr-3888	287	90	0.967	0.967	NUM
fsr-3888	287	91	)	)	PUNCT
fsr-3888	287	92	(	(	PUNCT
fsr-3888	287	93	0.965	0.965	NUM
fsr-3888	287	94	)	)	PUNCT
fsr-3888	287	95	35	35	NUM
fsr-3888	287	96	and	and	CCONJ
fsr-3888	287	97	under	under	ADP
fsr-3888	287	98	2nd	2nd	ADJ
fsr-3888	287	99	liq	liq	NOUN
fsr-3888	287	100	install	install	NOUN
fsr-3888	287	101	(	(	PUNCT
fsr-3888	287	102	n	n	NOUN
fsr-3888	287	103	5	5	NUM
fsr-3888	287	104	3298	3298	NUM
fsr-3888	287	105	)	)	PUNCT
fsr-3888	287	106	(	(	PUNCT
fsr-3888	287	107	0.977	0.977	NUM
fsr-3888	287	108	)	)	PUNCT
fsr-3888	287	109	(	(	PUNCT
fsr-3888	287	110	0.823	0.823	NUM
fsr-3888	287	111	)	)	PUNCT
fsr-3888	287	112	(	(	PUNCT
fsr-3888	287	113	0.906	0.906	NUM
fsr-3888	287	114	)	)	PUNCT
fsr-3888	287	115	3rd	3rd	ADJ
fsr-3888	287	116	realest	real	ADJ
fsr-3888	287	117	realdbt	realdbt	NOUN
fsr-3888	287	118	(	(	PUNCT
fsr-3888	287	119	0.941	0.941	NUM
fsr-3888	287	120	)	)	PUNCT
fsr-3888	287	121	(	(	PUNCT
fsr-3888	287	122	0.940	0.940	NUM
fsr-3888	287	123	)	)	PUNCT
fsr-3888	287	124	(	(	PUNCT
fsr-3888	287	125	0.939	0.939	NUM
fsr-3888	287	126	)	)	PUNCT
fsr-3888	287	127	panel	panel	NOUN
fsr-3888	287	128	d	d	NOUN
fsr-3888	287	129	:	:	PUNCT
fsr-3888	287	130	1st	1st	ADJ
fsr-3888	287	131	vehic	vehic	ADJ
fsr-3888	287	132	liq	liq	NOUN
fsr-3888	287	133	install	install	NOUN
fsr-3888	287	134	ccbal	ccbal	NOUN
fsr-3888	287	135	(	(	PUNCT
fsr-3888	287	136	0.999	0.999	NUM
fsr-3888	287	137	)	)	PUNCT
fsr-3888	287	138	(	(	PUNCT
fsr-3888	287	139	0.925	0.925	NUM
fsr-3888	287	140	)	)	PUNCT
fsr-3888	287	141	(	(	PUNCT
fsr-3888	287	142	0.919	0.919	NUM
fsr-3888	287	143	)	)	PUNCT
fsr-3888	287	144	(	(	PUNCT
fsr-3888	287	145	0.998	0.998	NUM
fsr-3888	287	146	)	)	PUNCT
fsr-3888	287	147	(	(	PUNCT
fsr-3888	287	148	0.942	0.942	NUM
fsr-3888	287	149	)	)	PUNCT
fsr-3888	287	150	black	black	ADJ
fsr-3888	287	151	2nd	2nd	PROPN
fsr-3888	287	152	realest	real	ADJ
fsr-3888	287	153	realdbt	realdbt	VERB
fsr-3888	287	154	35	35	NUM
fsr-3888	287	155	and	and	CCONJ
fsr-3888	287	156	under	under	ADP
fsr-3888	287	157	(	(	PUNCT
fsr-3888	287	158	0.996	0.996	NUM
fsr-3888	287	159	)	)	PUNCT
fsr-3888	287	160	(	(	PUNCT
fsr-3888	287	161	0.989	0.989	NUM
fsr-3888	287	162	)	)	PUNCT
fsr-3888	287	163	(	(	PUNCT
fsr-3888	287	164	0.989	0.989	NUM
fsr-3888	287	165	)	)	PUNCT
fsr-3888	287	166	(	(	PUNCT
fsr-3888	287	167	n	n	ADV
fsr-3888	287	168	5	5	NUM
fsr-3888	287	169	550	550	NUM
fsr-3888	287	170	)	)	PUNCT
fsr-3888	287	171	3rd	3rd	ADJ
fsr-3888	287	172	houses	house	NOUN
fsr-3888	287	173	mrthel	mrthel	PROPN
fsr-3888	287	174	(	(	PUNCT
fsr-3888	287	175	0.940	0.940	NUM
fsr-3888	287	176	)	)	PUNCT
fsr-3888	287	177	(	(	PUNCT
fsr-3888	287	178	0.938	0.938	NUM
fsr-3888	287	179	)	)	PUNCT
fsr-3888	287	180	(	(	PUNCT
fsr-3888	287	181	0.936	0.936	NUM
fsr-3888	287	182	)	)	PUNCT
fsr-3888	287	183	4th	4th	ADJ
fsr-3888	287	184	fin	fin	NOUN
fsr-3888	287	185	ccbal	ccbal	NOUN
fsr-3888	287	186	(	(	PUNCT
fsr-3888	287	187	0.710	0.710	NUM
fsr-3888	287	188	)	)	PUNCT
fsr-3888	287	189	(	(	PUNCT
fsr-3888	287	190	0.285	0.285	NUM
fsr-3888	287	191	)	)	PUNCT
fsr-3888	287	192	(	(	PUNCT
fsr-3888	287	193	20.227	20.227	NUM
fsr-3888	287	194	)	)	PUNCT
fsr-3888	287	195	panel	panel	NOUN
fsr-3888	287	196	e	e	NOUN
fsr-3888	287	197	:	:	PUNCT
fsr-3888	287	198	1st	1st	ADJ
fsr-3888	287	199	vehic	vehic	ADJ
fsr-3888	287	200	fin	fin	NOUN
fsr-3888	287	201	install	install	NOUN
fsr-3888	287	202	(	(	PUNCT
fsr-3888	287	203	0.999	0.999	NUM
fsr-3888	287	204	)	)	PUNCT
fsr-3888	287	205	(	(	PUNCT
fsr-3888	287	206	0.996	0.996	NUM
fsr-3888	287	207	)	)	PUNCT
fsr-3888	287	208	(	(	PUNCT
fsr-3888	287	209	0.955	0.955	NUM
fsr-3888	287	210	)	)	PUNCT
fsr-3888	287	211	(	(	PUNCT
fsr-3888	287	212	0.996	0.996	NUM
fsr-3888	287	213	)	)	PUNCT
fsr-3888	287	214	white	white	ADJ
fsr-3888	287	215	2nd	2nd	ADJ
fsr-3888	287	216	liq	liq	NOUN
fsr-3888	287	217	ccbal	ccbal	NOUN
fsr-3888	287	218	36	36	NUM
fsr-3888	287	219	to	to	PART
fsr-3888	287	220	55	55	NUM
fsr-3888	287	221	years	year	NOUN
fsr-3888	287	222	old	old	ADJ
fsr-3888	287	223	(	(	PUNCT
fsr-3888	287	224	0.999	0.999	NUM
fsr-3888	287	225	)	)	PUNCT
fsr-3888	287	226	(	(	PUNCT
fsr-3888	287	227	0.714	0.714	NUM
fsr-3888	287	228	)	)	PUNCT
fsr-3888	287	229	(	(	PUNCT
fsr-3888	287	230	0.920	0.920	NUM
fsr-3888	287	231	)	)	PUNCT
fsr-3888	287	232	(	(	PUNCT
fsr-3888	287	233	n	n	ADV
fsr-3888	287	234	5	5	NUM
fsr-3888	287	235	6221	6221	NUM
fsr-3888	287	236	)	)	PUNCT
fsr-3888	288	1	3rd	3rd	ADJ
fsr-3888	288	2	realest	real	ADJ
fsr-3888	288	3	realdbt	realdbt	NOUN
fsr-3888	288	4	(	(	PUNCT
fsr-3888	288	5	0.996	0.996	NUM
fsr-3888	288	6	)	)	PUNCT
fsr-3888	288	7	(	(	PUNCT
fsr-3888	288	8	0.960	0.960	NUM
fsr-3888	288	9	)	)	PUNCT
fsr-3888	288	10	(	(	PUNCT
fsr-3888	288	11	0.962	0.962	NUM
fsr-3888	288	12	)	)	PUNCT
fsr-3888	288	13	4th	4th	ADJ
fsr-3888	288	14	houses	house	NOUN
fsr-3888	288	15	mrthel	mrthel	ADJ
fsr-3888	288	16	(	(	PUNCT
fsr-3888	288	17	0.989	0.989	NUM
fsr-3888	288	18	)	)	PUNCT
fsr-3888	288	19	(	(	PUNCT
fsr-3888	288	20	0.919	0.919	NUM
fsr-3888	288	21	)	)	PUNCT
fsr-3888	288	22	(	(	PUNCT
fsr-3888	288	23	0.907	0.907	NUM
fsr-3888	288	24	)	)	PUNCT
fsr-3888	288	25	panel	panel	NOUN
fsr-3888	288	26	f	f	NOUN
fsr-3888	288	27	:	:	PUNCT
fsr-3888	288	28	1st	1st	ADJ
fsr-3888	288	29	houses	house	NOUN
fsr-3888	288	30	mrthel	mrthel	PROPN
fsr-3888	288	31	black	black	NOUN
fsr-3888	288	32	(	(	PUNCT
fsr-3888	288	33	0.993	0.993	NUM
fsr-3888	288	34	)	)	PUNCT
fsr-3888	288	35	(	(	PUNCT
fsr-3888	288	36	0.891	0.891	NUM
fsr-3888	288	37	)	)	PUNCT
fsr-3888	288	38	(	(	PUNCT
fsr-3888	288	39	0.903	0.903	NUM
fsr-3888	288	40	)	)	PUNCT
fsr-3888	288	41	36	36	NUM
fsr-3888	288	42	to	to	PART
fsr-3888	288	43	55	55	NUM
fsr-3888	288	44	years	year	NOUN
fsr-3888	288	45	old	old	ADJ
fsr-3888	288	46	2nd	2nd	PROPN
fsr-3888	288	47	vehic	vehic	ADJ
fsr-3888	288	48	install	install	NOUN
fsr-3888	288	49	(	(	PUNCT
fsr-3888	288	50	n	n	ADV
fsr-3888	288	51	5	5	NUM
fsr-3888	288	52	775	775	NUM
fsr-3888	288	53	)	)	PUNCT
fsr-3888	288	54	(	(	PUNCT
fsr-3888	288	55	0.923	0.923	NUM
fsr-3888	288	56	)	)	PUNCT
fsr-3888	288	57	(	(	PUNCT
fsr-3888	288	58	0.687	0.687	NUM
fsr-3888	288	59	)	)	PUNCT
fsr-3888	288	60	(	(	PUNCT
fsr-3888	288	61	0.628	0.628	NUM
fsr-3888	288	62	)	)	PUNCT
fsr-3888	288	63	3rd	3rd	ADJ
fsr-3888	288	64	realest	real	ADJ
fsr-3888	288	65	realdbt	realdbt	NOUN
fsr-3888	288	66	(	(	PUNCT
fsr-3888	288	67	0.634	0.634	NUM
fsr-3888	288	68	)	)	PUNCT
fsr-3888	288	69	(	(	PUNCT
fsr-3888	288	70	0.626	0.626	NUM
fsr-3888	288	71	)	)	PUNCT
fsr-3888	288	72	(	(	PUNCT
fsr-3888	288	73	0.630	0.630	NUM
fsr-3888	288	74	)	)	PUNCT
fsr-3888	288	75	panel	panel	NOUN
fsr-3888	288	76	g	g	NOUN
fsr-3888	288	77	:	:	PUNCT
fsr-3888	288	78	1st	1st	ADJ
fsr-3888	288	79	houses	house	NOUN
fsr-3888	288	80	vehic	vehic	PROPN
fsr-3888	288	81	mrthel	mrthel	PROPN
fsr-3888	288	82	install	install	NOUN
fsr-3888	288	83	(	(	PUNCT
fsr-3888	288	84	0.999	0.999	NUM
fsr-3888	288	85	)	)	PUNCT
fsr-3888	288	86	(	(	PUNCT
fsr-3888	288	87	0.964	0.964	NUM
fsr-3888	288	88	)	)	PUNCT
fsr-3888	288	89	(	(	PUNCT
fsr-3888	288	90	0.841	0.841	NUM
fsr-3888	288	91	)	)	PUNCT
fsr-3888	288	92	(	(	PUNCT
fsr-3888	288	93	0.911	0.911	NUM
fsr-3888	288	94	)	)	PUNCT
fsr-3888	288	95	(	(	PUNCT
fsr-3888	288	96	0.895	0.895	NUM
fsr-3888	288	97	)	)	PUNCT
fsr-3888	288	98	white	white	ADJ
fsr-3888	288	99	2nd	2nd	PROPN
fsr-3888	288	100	realest	realest	PROPN
fsr-3888	288	101	realdbt	realdbt	VERB
fsr-3888	288	102	55	55	NUM
fsr-3888	288	103	or	or	CCONJ
fsr-3888	288	104	older	old	ADJ
fsr-3888	288	105	(	(	PUNCT
fsr-3888	288	106	0.933	0.933	NUM
fsr-3888	288	107	)	)	PUNCT
fsr-3888	288	108	(	(	PUNCT
fsr-3888	288	109	0.912	0.912	NUM
fsr-3888	288	110	)	)	PUNCT
fsr-3888	288	111	(	(	PUNCT
fsr-3888	288	112	0.916	0.916	NUM
fsr-3888	288	113	)	)	PUNCT
fsr-3888	288	114	(	(	PUNCT
fsr-3888	288	115	n	n	ADV
fsr-3888	288	116	5	5	NUM
fsr-3888	288	117	6219	6219	NUM
fsr-3888	288	118	)	)	PUNCT
fsr-3888	288	119	3rd	3rd	ADJ
fsr-3888	288	120	liq	liq	NOUN
fsr-3888	288	121	install	install	NOUN
fsr-3888	288	122	(	(	PUNCT
fsr-3888	288	123	0.736	0.736	NUM
fsr-3888	288	124	)	)	PUNCT
fsr-3888	288	125	(	(	PUNCT
fsr-3888	288	126	0.3941	0.3941	NUM
fsr-3888	288	127	)	)	PUNCT
fsr-3888	288	128	(	(	PUNCT
fsr-3888	288	129	0.295	0.295	NUM
fsr-3888	288	130	)	)	PUNCT
fsr-3888	288	131	142	142	NUM
fsr-3888	288	132	y.a	y.a	PROPN
fsr-3888	288	133	.	.	PROPN
fsr-3888	288	134	badu	badu	PROPN
fsr-3888	288	135	et	et	PROPN
fsr-3888	288	136	al	al	PROPN
fsr-3888	288	137	.	.	PUNCT
fsr-3888	288	138	/	/	SYM
fsr-3888	288	139	financial	financial	ADJ
fsr-3888	288	140	services	service	NOUN
fsr-3888	288	141	review	review	VERB
fsr-3888	288	142	8	8	NUM
fsr-3888	288	143	(	(	PUNCT
fsr-3888	288	144	1999	1999	NUM
fsr-3888	288	145	)	)	PUNCT
fsr-3888	288	146	129–147	129–147	NUM
fsr-3888	288	147	liability	liability	NOUN
fsr-3888	288	148	pairs	pair	NOUN
fsr-3888	288	149	of	of	ADP
fsr-3888	288	150	the	the	DET
fsr-3888	288	151	dollar	dollar	NOUN
fsr-3888	288	152	value	value	NOUN
fsr-3888	288	153	of	of	ADP
fsr-3888	288	154	investment	investment	NOUN
fsr-3888	288	155	real	real	ADJ
fsr-3888	288	156	estate	estate	NOUN
fsr-3888	288	157	sold	sell	VERB
fsr-3888	288	158	and	and	CCONJ
fsr-3888	288	159	dollars	dollar	NOUN
fsr-3888	288	160	still	still	ADV
fsr-3888	288	161	owed	owe	VERB
fsr-3888	288	162	for	for	ADP
fsr-3888	288	163	real	real	ADJ
fsr-3888	288	164	estate	estate	NOUN
fsr-3888	288	165	sold	sell	VERB
fsr-3888	288	166	and	and	CCONJ
fsr-3888	288	167	financed	finance	VERB
fsr-3888	288	168	by	by	ADP
fsr-3888	288	169	the	the	DET
fsr-3888	288	170	households	household	NOUN
fsr-3888	288	171	as	as	ADP
fsr-3888	288	172	the	the	DET
fsr-3888	288	173	next	next	ADJ
fsr-3888	288	174	most	most	ADV
fsr-3888	288	175	important	important	ADJ
fsr-3888	288	176	portfolio	portfolio	NOUN
fsr-3888	288	177	items	item	NOUN
fsr-3888	288	178	for	for	ADP
fsr-3888	288	179	the	the	DET
fsr-3888	288	180	white	white	ADJ
fsr-3888	288	181	households	household	NOUN
fsr-3888	288	182	.	.	PUNCT
fsr-3888	289	1	panel	panel	NOUN
fsr-3888	289	2	b	b	PROPN
fsr-3888	289	3	of	of	ADP
fsr-3888	289	4	table	table	NOUN
fsr-3888	289	5	6	6	NUM
fsr-3888	289	6	presents	present	VERB
fsr-3888	289	7	the	the	DET
fsr-3888	289	8	results	result	NOUN
fsr-3888	289	9	of	of	ADP
fsr-3888	289	10	the	the	DET
fsr-3888	289	11	black	black	NOUN
fsr-3888	289	12	-	-	PUNCT
fsr-3888	289	13	only	only	ADV
fsr-3888	289	14	households	household	NOUN
fsr-3888	289	15	.	.	PUNCT
fsr-3888	290	1	like	like	ADP
fsr-3888	290	2	the	the	DET
fsr-3888	290	3	first	first	ADJ
fsr-3888	290	4	sample	sample	NOUN
fsr-3888	290	5	the	the	DET
fsr-3888	290	6	most	most	ADV
fsr-3888	290	7	prominent	prominent	ADJ
fsr-3888	290	8	asset	asset	NOUN
fsr-3888	290	9	and	and	CCONJ
fsr-3888	290	10	liability	liability	NOUN
fsr-3888	290	11	combination	combination	NOUN
fsr-3888	290	12	exists	exist	VERB
fsr-3888	290	13	among	among	ADP
fsr-3888	290	14	vehicles	vehicle	NOUN
fsr-3888	290	15	and	and	CCONJ
fsr-3888	290	16	installment	installment	NOUN
fsr-3888	290	17	credit	credit	NOUN
fsr-3888	290	18	other	other	ADJ
fsr-3888	290	19	than	than	ADP
fsr-3888	290	20	mortgages	mortgage	NOUN
fsr-3888	290	21	.	.	PUNCT
fsr-3888	291	1	also	also	ADV
fsr-3888	291	2	significant	significant	ADJ
fsr-3888	291	3	in	in	ADP
fsr-3888	291	4	the	the	DET
fsr-3888	291	5	first	first	ADJ
fsr-3888	291	6	root	root	NOUN
fsr-3888	291	7	is	be	AUX
fsr-3888	291	8	the	the	DET
fsr-3888	291	9	asset	asset	NOUN
fsr-3888	291	10	and	and	CCONJ
fsr-3888	291	11	liability	liability	NOUN
fsr-3888	291	12	combination	combination	NOUN
fsr-3888	291	13	between	between	ADP
fsr-3888	291	14	liquid	liquid	ADJ
fsr-3888	291	15	assets	asset	NOUN
fsr-3888	291	16	and	and	CCONJ
fsr-3888	291	17	credit	credit	NOUN
fsr-3888	291	18	card	card	NOUN
fsr-3888	291	19	balances	balance	NOUN
fsr-3888	291	20	.	.	PUNCT
fsr-3888	292	1	this	this	DET
fsr-3888	292	2	finding	finding	NOUN
fsr-3888	292	3	indicates	indicate	VERB
fsr-3888	292	4	a	a	DET
fsr-3888	292	5	heavy	heavy	ADJ
fsr-3888	292	6	reliance	reliance	NOUN
fsr-3888	292	7	on	on	ADP
fsr-3888	292	8	the	the	DET
fsr-3888	292	9	use	use	NOUN
fsr-3888	292	10	of	of	ADP
fsr-3888	292	11	credit	credit	NOUN
fsr-3888	292	12	cards	card	NOUN
fsr-3888	292	13	by	by	ADP
fsr-3888	292	14	black	black	ADJ
fsr-3888	292	15	households	household	NOUN
fsr-3888	292	16	,	,	PUNCT
fsr-3888	292	17	which	which	PRON
fsr-3888	292	18	denotes	denote	VERB
fsr-3888	292	19	the	the	DET
fsr-3888	292	20	different	different	ADJ
fsr-3888	292	21	usage	usage	NOUN
fsr-3888	292	22	of	of	ADP
fsr-3888	292	23	the	the	DET
fsr-3888	292	24	financial	financial	ADJ
fsr-3888	292	25	system	system	NOUN
fsr-3888	292	26	when	when	SCONJ
fsr-3888	292	27	compared	compare	VERB
fsr-3888	292	28	to	to	ADP
fsr-3888	292	29	the	the	DET
fsr-3888	292	30	white	white	ADJ
fsr-3888	292	31	households	household	NOUN
fsr-3888	292	32	.	.	PUNCT
fsr-3888	293	1	the	the	DET
fsr-3888	293	2	second	second	ADJ
fsr-3888	293	3	most	most	ADV
fsr-3888	293	4	prominent	prominent	ADJ
fsr-3888	293	5	loading	loading	NOUN
fsr-3888	293	6	was	be	AUX
fsr-3888	293	7	between	between	ADP
fsr-3888	293	8	the	the	DET
fsr-3888	293	9	dollar	dollar	NOUN
fsr-3888	293	10	value	value	NOUN
fsr-3888	293	11	of	of	ADP
fsr-3888	293	12	investment	investment	NOUN
fsr-3888	293	13	real	real	ADJ
fsr-3888	293	14	estate	estate	NOUN
fsr-3888	293	15	sold	sell	VERB
fsr-3888	293	16	and	and	CCONJ
fsr-3888	293	17	dollars	dollar	NOUN
fsr-3888	293	18	still	still	ADV
fsr-3888	293	19	owed	owe	VERB
fsr-3888	293	20	for	for	ADP
fsr-3888	293	21	real	real	ADJ
fsr-3888	293	22	estate	estate	NOUN
fsr-3888	293	23	sold	sell	VERB
fsr-3888	293	24	and	and	CCONJ
fsr-3888	293	25	financed	finance	VERB
fsr-3888	293	26	by	by	ADP
fsr-3888	293	27	the	the	DET
fsr-3888	293	28	households	household	NOUN
fsr-3888	293	29	,	,	PUNCT
fsr-3888	293	30	this	this	PRON
fsr-3888	293	31	despite	despite	SCONJ
fsr-3888	293	32	the	the	DET
fsr-3888	293	33	fact	fact	NOUN
fsr-3888	293	34	that	that	SCONJ
fsr-3888	293	35	fewer	few	ADJ
fsr-3888	293	36	than	than	ADP
fsr-3888	293	37	ten	ten	NUM
fsr-3888	293	38	percent	percent	NOUN
fsr-3888	293	39	of	of	ADP
fsr-3888	293	40	black	black	ADJ
fsr-3888	293	41	households	household	NOUN
fsr-3888	293	42	possess	possess	VERB
fsr-3888	293	43	positive	positive	ADJ
fsr-3888	293	44	amounts	amount	NOUN
fsr-3888	293	45	of	of	ADP
fsr-3888	293	46	investment	investment	NOUN
fsr-3888	293	47	real	real	ADJ
fsr-3888	293	48	estate	estate	NOUN
fsr-3888	293	49	.	.	PUNCT
fsr-3888	294	1	the	the	DET
fsr-3888	294	2	third	third	ADJ
fsr-3888	294	3	most	most	ADV
fsr-3888	294	4	prominent	prominent	ADJ
fsr-3888	294	5	combination	combination	NOUN
fsr-3888	294	6	is	be	AUX
fsr-3888	294	7	between	between	ADP
fsr-3888	294	8	home	home	NOUN
fsr-3888	294	9	sites	site	NOUN
fsr-3888	294	10	and	and	CCONJ
fsr-3888	294	11	mortgages	mortgage	NOUN
fsr-3888	294	12	using	use	VERB
fsr-3888	294	13	primary	primary	ADJ
fsr-3888	294	14	residences	residence	NOUN
fsr-3888	294	15	as	as	ADP
fsr-3888	294	16	collateral	collateral	NOUN
fsr-3888	294	17	.	.	PUNCT
fsr-3888	295	1	in	in	ADP
fsr-3888	295	2	addition	addition	NOUN
fsr-3888	295	3	,	,	PUNCT
fsr-3888	295	4	it	it	PRON
fsr-3888	295	5	is	be	AUX
fsr-3888	295	6	important	important	ADJ
fsr-3888	295	7	to	to	PART
fsr-3888	295	8	note	note	VERB
fsr-3888	295	9	that	that	PRON
fsr-3888	295	10	black	black	ADJ
fsr-3888	295	11	households	household	NOUN
fsr-3888	295	12	,	,	PUNCT
fsr-3888	295	13	on	on	ADP
fsr-3888	295	14	average	average	ADJ
fsr-3888	295	15	,	,	PUNCT
fsr-3888	295	16	do	do	AUX
fsr-3888	295	17	not	not	PART
fsr-3888	295	18	have	have	VERB
fsr-3888	295	19	any	any	DET
fsr-3888	295	20	assets	asset	NOUN
fsr-3888	295	21	that	that	PRON
fsr-3888	295	22	are	be	AUX
fsr-3888	295	23	independent	independent	ADJ
fsr-3888	295	24	of	of	ADP
fsr-3888	295	25	any	any	DET
fsr-3888	295	26	liabilities	liability	NOUN
fsr-3888	295	27	,	,	PUNCT
fsr-3888	295	28	which	which	PRON
fsr-3888	295	29	supports	support	VERB
fsr-3888	295	30	the	the	DET
fsr-3888	295	31	claim	claim	NOUN
fsr-3888	295	32	that	that	SCONJ
fsr-3888	295	33	black	black	ADJ
fsr-3888	295	34	households	household	NOUN
fsr-3888	295	35	have	have	AUX
fsr-3888	295	36	lower	low	ADJ
fsr-3888	295	37	net	net	ADJ
fsr-3888	295	38	worth	worth	NOUN
fsr-3888	295	39	when	when	SCONJ
fsr-3888	295	40	compared	compare	VERB
fsr-3888	295	41	to	to	ADP
fsr-3888	295	42	white	white	ADJ
fsr-3888	295	43	households	household	NOUN
fsr-3888	295	44	.	.	PUNCT
fsr-3888	296	1	this	this	DET
fsr-3888	296	2	finding	finding	NOUN
fsr-3888	296	3	is	be	AUX
fsr-3888	296	4	supported	support	VERB
fsr-3888	296	5	by	by	ADP
fsr-3888	296	6	the	the	DET
fsr-3888	296	7	work	work	NOUN
fsr-3888	296	8	of	of	ADP
fsr-3888	296	9	wolff	wolff	NOUN
fsr-3888	296	10	(	(	PUNCT
fsr-3888	296	11	1994	1994	NUM
fsr-3888	296	12	)	)	PUNCT
fsr-3888	296	13	,	,	PUNCT
fsr-3888	296	14	who	who	PRON
fsr-3888	296	15	studied	study	VERB
fsr-3888	296	16	the	the	DET
fsr-3888	296	17	accumulation	accumulation	NOUN
fsr-3888	296	18	of	of	ADP
fsr-3888	296	19	household	household	NOUN
fsr-3888	296	20	wealth	wealth	NOUN
fsr-3888	296	21	over	over	ADP
fsr-3888	296	22	the	the	DET
fsr-3888	296	23	life	life	NOUN
fsr-3888	296	24	-	-	PUNCT
fsr-3888	296	25	cycle	cycle	NOUN
fsr-3888	296	26	by	by	ADP
fsr-3888	296	27	race	race	NOUN
fsr-3888	296	28	.	.	PUNCT
fsr-3888	297	1	wolff	wolff	PROPN
fsr-3888	297	2	concluded	conclude	VERB
fsr-3888	297	3	from	from	ADP
fsr-3888	297	4	his	his	PRON
fsr-3888	297	5	study	study	NOUN
fsr-3888	297	6	that	that	SCONJ
fsr-3888	297	7	the	the	DET
fsr-3888	297	8	life	life	NOUN
fsr-3888	297	9	-	-	PUNCT
fsr-3888	297	10	cycle	cycle	NOUN
fsr-3888	297	11	hypothesis	hypothesis	NOUN
fsr-3888	297	12	is	be	AUX
fsr-3888	297	13	relevant	relevant	ADJ
fsr-3888	297	14	for	for	ADP
fsr-3888	297	15	educated	educated	ADJ
fsr-3888	297	16	,	,	PUNCT
fsr-3888	297	17	white	white	ADJ
fsr-3888	297	18	,	,	PUNCT
fsr-3888	297	19	urban	urban	ADJ
fsr-3888	297	20	,	,	PUNCT
fsr-3888	297	21	middle	middle	ADJ
fsr-3888	297	22	-	-	PUNCT
fsr-3888	297	23	class	class	NOUN
fsr-3888	297	24	households	household	NOUN
fsr-3888	297	25	only	only	ADV
fsr-3888	297	26	.	.	PUNCT
fsr-3888	298	1	we	we	PRON
fsr-3888	298	2	believe	believe	VERB
fsr-3888	298	3	that	that	SCONJ
fsr-3888	298	4	our	our	PRON
fsr-3888	298	5	results	result	NOUN
fsr-3888	298	6	follow	follow	VERB
fsr-3888	298	7	this	this	DET
fsr-3888	298	8	general	general	ADJ
fsr-3888	298	9	pattern	pattern	NOUN
fsr-3888	298	10	.	.	PUNCT
fsr-3888	299	1	in	in	ADP
fsr-3888	299	2	order	order	NOUN
fsr-3888	299	3	to	to	PART
fsr-3888	299	4	infer	infer	VERB
fsr-3888	299	5	the	the	DET
fsr-3888	299	6	role	role	NOUN
fsr-3888	299	7	that	that	PRON
fsr-3888	299	8	life	life	NOUN
fsr-3888	299	9	-	-	PUNCT
fsr-3888	299	10	cycle	cycle	NOUN
fsr-3888	299	11	plays	play	NOUN
fsr-3888	299	12	in	in	ADP
fsr-3888	299	13	the	the	DET
fsr-3888	299	14	balance	balance	NOUN
fsr-3888	299	15	sheet	sheet	NOUN
fsr-3888	299	16	composition	composition	NOUN
fsr-3888	299	17	of	of	ADP
fsr-3888	299	18	black	black	ADJ
fsr-3888	299	19	and	and	CCONJ
fsr-3888	299	20	white	white	ADJ
fsr-3888	299	21	households	household	NOUN
fsr-3888	299	22	,	,	PUNCT
fsr-3888	299	23	we	we	PRON
fsr-3888	299	24	divided	divide	VERB
fsr-3888	299	25	each	each	DET
fsr-3888	299	26	race	race	NOUN
fsr-3888	299	27	subsample	subsample	ADV
fsr-3888	299	28	by	by	ADP
fsr-3888	299	29	three	three	NUM
fsr-3888	299	30	age	age	NOUN
fsr-3888	299	31	profiles	profile	NOUN
fsr-3888	299	32	.	.	PUNCT
fsr-3888	300	1	the	the	DET
fsr-3888	300	2	three	three	NUM
fsr-3888	300	3	age	age	NOUN
fsr-3888	300	4	profiles	profile	NOUN
fsr-3888	300	5	are	be	AUX
fsr-3888	300	6	35	35	NUM
fsr-3888	300	7	and	and	CCONJ
fsr-3888	300	8	under	under	ADV
fsr-3888	300	9	,	,	PUNCT
fsr-3888	300	10	36	36	NUM
fsr-3888	300	11	to	to	PART
fsr-3888	300	12	55	55	NUM
fsr-3888	300	13	years	year	NOUN
fsr-3888	300	14	,	,	PUNCT
fsr-3888	300	15	and	and	CCONJ
fsr-3888	300	16	55	55	NUM
fsr-3888	300	17	and	and	CCONJ
fsr-3888	300	18	over	over	ADV
fsr-3888	300	19	.	.	PUNCT
fsr-3888	301	1	table	table	NOUN
fsr-3888	301	2	6	6	NUM
fsr-3888	301	3	panels	panel	NOUN
fsr-3888	301	4	c	c	NOUN
fsr-3888	301	5	through	through	ADP
fsr-3888	301	6	h	h	NOUN
fsr-3888	301	7	presents	present	VERB
fsr-3888	301	8	the	the	DET
fsr-3888	301	9	results	result	NOUN
fsr-3888	301	10	of	of	ADP
fsr-3888	301	11	the	the	DET
fsr-3888	301	12	canonical	canonical	ADJ
fsr-3888	301	13	analysis	analysis	NOUN
fsr-3888	301	14	conducted	conduct	VERB
fsr-3888	301	15	on	on	ADP
fsr-3888	301	16	the	the	DET
fsr-3888	301	17	various	various	ADJ
fsr-3888	301	18	age	age	NOUN
fsr-3888	301	19	and	and	CCONJ
fsr-3888	301	20	race	race	NOUN
fsr-3888	301	21	subsamples	subsample	NOUN
fsr-3888	301	22	.	.	PUNCT
fsr-3888	302	1	among	among	ADP
fsr-3888	302	2	some	some	PRON
fsr-3888	302	3	of	of	ADP
fsr-3888	302	4	the	the	DET
fsr-3888	302	5	results	result	NOUN
fsr-3888	302	6	,	,	PUNCT
fsr-3888	302	7	panel	panel	NOUN
fsr-3888	302	8	e	e	NOUN
fsr-3888	302	9	clearly	clearly	ADV
fsr-3888	302	10	shows	show	VERB
fsr-3888	302	11	that	that	SCONJ
fsr-3888	302	12	the	the	DET
fsr-3888	302	13	white	white	ADJ
fsr-3888	302	14	-	-	PUNCT
fsr-3888	302	15	only	only	ADV
fsr-3888	302	16	36	36	NUM
fsr-3888	302	17	to	to	PART
fsr-3888	302	18	55	55	NUM
fsr-3888	302	19	years	year	NOUN
fsr-3888	302	20	subsample	subsample	NOUN
fsr-3888	302	21	,	,	PUNCT
fsr-3888	302	22	has	have	AUX
fsr-3888	302	23	accumulated	accumulate	VERB
fsr-3888	302	24	significantly	significantly	ADV
fsr-3888	302	25	different	different	ADJ
fsr-3888	302	26	net	net	ADJ
fsr-3888	302	27	worth	worth	NOUN
fsr-3888	302	28	than	than	ADP
fsr-3888	302	29	the	the	DET
fsr-3888	302	30	35	35	NUM
fsr-3888	302	31	and	and	CCONJ
fsr-3888	302	32	under	under	ADP
fsr-3888	302	33	age	age	NOUN
fsr-3888	302	34	group	group	NOUN
fsr-3888	302	35	or	or	CCONJ
fsr-3888	302	36	the	the	DET
fsr-3888	302	37	55	55	NUM
fsr-3888	302	38	and	and	CCONJ
fsr-3888	302	39	over	over	ADP
fsr-3888	302	40	age	age	NOUN
fsr-3888	302	41	group	group	NOUN
fsr-3888	302	42	.	.	PUNCT
fsr-3888	303	1	this	this	DET
fsr-3888	303	2	group	group	NOUN
fsr-3888	303	3	’s	’s	PART
fsr-3888	303	4	primary	primary	ADJ
fsr-3888	303	5	asset	asset	NOUN
fsr-3888	303	6	and	and	CCONJ
fsr-3888	303	7	liability	liability	NOUN
fsr-3888	303	8	combination	combination	NOUN
fsr-3888	303	9	is	be	AUX
fsr-3888	303	10	vehicles	vehicle	NOUN
fsr-3888	303	11	and	and	CCONJ
fsr-3888	303	12	installment	installment	NOUN
fsr-3888	303	13	credit	credit	NOUN
fsr-3888	303	14	other	other	ADJ
fsr-3888	303	15	than	than	ADP
fsr-3888	303	16	mortgages	mortgage	NOUN
fsr-3888	303	17	,	,	PUNCT
fsr-3888	303	18	respectively	respectively	ADV
fsr-3888	303	19	.	.	PUNCT
fsr-3888	304	1	further	far	ADV
fsr-3888	304	2	,	,	PUNCT
fsr-3888	304	3	this	this	DET
fsr-3888	304	4	group	group	NOUN
fsr-3888	304	5	has	have	VERB
fsr-3888	304	6	financial	financial	ADJ
fsr-3888	304	7	assets	asset	NOUN
fsr-3888	304	8	that	that	PRON
fsr-3888	304	9	are	be	AUX
fsr-3888	304	10	unencumbered	unencumbered	ADJ
fsr-3888	304	11	by	by	ADP
fsr-3888	304	12	liabilities	liability	NOUN
fsr-3888	304	13	.	.	PUNCT
fsr-3888	305	1	this	this	DET
fsr-3888	305	2	pattern	pattern	NOUN
fsr-3888	305	3	differs	differ	VERB
fsr-3888	305	4	from	from	ADP
fsr-3888	305	5	the	the	DET
fsr-3888	305	6	other	other	ADJ
fsr-3888	305	7	white	white	ADJ
fsr-3888	305	8	age	age	NOUN
fsr-3888	305	9	groups	group	NOUN
fsr-3888	305	10	in	in	ADP
fsr-3888	305	11	that	that	SCONJ
fsr-3888	305	12	these	these	DET
fsr-3888	305	13	other	other	ADJ
fsr-3888	305	14	groups	group	NOUN
fsr-3888	305	15	exhibit	exhibit	VERB
fsr-3888	305	16	primary	primary	ADJ
fsr-3888	305	17	asset	asset	NOUN
fsr-3888	305	18	and	and	CCONJ
fsr-3888	305	19	liability	liability	NOUN
fsr-3888	305	20	combinations	combination	NOUN
fsr-3888	305	21	in	in	ADP
fsr-3888	305	22	primary	primary	ADJ
fsr-3888	305	23	residence	residence	NOUN
fsr-3888	305	24	and	and	CCONJ
fsr-3888	305	25	mortgages	mortgage	NOUN
fsr-3888	305	26	.	.	PUNCT
fsr-3888	306	1	this	this	DET
fsr-3888	306	2	primacy	primacy	NOUN
fsr-3888	306	3	of	of	ADP
fsr-3888	306	4	the	the	DET
fsr-3888	306	5	residence	residence	NOUN
fsr-3888	306	6	and	and	CCONJ
fsr-3888	306	7	mortgage	mortgage	NOUN
fsr-3888	306	8	as	as	ADP
fsr-3888	306	9	asset	asset	NOUN
fsr-3888	306	10	and	and	CCONJ
fsr-3888	306	11	liability	liability	NOUN
fsr-3888	306	12	combination	combination	NOUN
fsr-3888	306	13	is	be	AUX
fsr-3888	306	14	also	also	ADV
fsr-3888	306	15	found	find	VERB
fsr-3888	306	16	in	in	ADP
fsr-3888	306	17	the	the	DET
fsr-3888	306	18	black	black	ADJ
fsr-3888	306	19	subgroups	subgroup	NOUN
fsr-3888	306	20	except	except	SCONJ
fsr-3888	306	21	for	for	ADP
fsr-3888	306	22	the	the	DET
fsr-3888	306	23	youngest	young	ADJ
fsr-3888	306	24	group	group	NOUN
fsr-3888	306	25	.	.	PUNCT
fsr-3888	307	1	similarly	similarly	ADV
fsr-3888	307	2	,	,	PUNCT
fsr-3888	307	3	the	the	DET
fsr-3888	307	4	black	black	NOUN
fsr-3888	307	5	-	-	PUNCT
fsr-3888	307	6	only	only	ADV
fsr-3888	307	7	households	household	NOUN
fsr-3888	307	8	for	for	ADP
fsr-3888	307	9	ages	age	NOUN
fsr-3888	307	10	35	35	NUM
fsr-3888	307	11	and	and	CCONJ
fsr-3888	307	12	under	under	ADP
fsr-3888	307	13	clearly	clearly	ADV
fsr-3888	307	14	table	table	VERB
fsr-3888	307	15	6(continued	6(continued	ADJ
fsr-3888	307	16	)	)	PUNCT
fsr-3888	307	17	root	root	NOUN
fsr-3888	307	18	(	(	PUNCT
fsr-3888	307	19	canonical	canonical	ADJ
fsr-3888	307	20	correlation	correlation	NOUN
fsr-3888	307	21	)	)	PUNCT
fsr-3888	307	22	assets	asset	NOUN
fsr-3888	307	23	liabilities	liability	NOUN
fsr-3888	307	24	panel	panel	NOUN
fsr-3888	307	25	h	h	NOUN
fsr-3888	307	26	:	:	PUNCT
fsr-3888	307	27	1st	1st	ADJ
fsr-3888	307	28	houses	house	NOUN
fsr-3888	307	29	mrthel	mrthel	PROPN
fsr-3888	307	30	black	black	NOUN
fsr-3888	307	31	(	(	PUNCT
fsr-3888	307	32	0.983	0.983	NUM
fsr-3888	307	33	)	)	PUNCT
fsr-3888	307	34	(	(	PUNCT
fsr-3888	307	35	0.927	0.927	NUM
fsr-3888	307	36	)	)	PUNCT
fsr-3888	307	37	(	(	PUNCT
fsr-3888	307	38	0.905	0.905	NUM
fsr-3888	307	39	)	)	PUNCT
fsr-3888	307	40	55	55	NUM
fsr-3888	307	41	or	or	CCONJ
fsr-3888	307	42	older	old	ADJ
fsr-3888	307	43	2nd	2nd	ADJ
fsr-3888	307	44	realest	real	ADJ
fsr-3888	307	45	realdbt	realdbt	NOUN
fsr-3888	307	46	(	(	PUNCT
fsr-3888	307	47	n	n	NOUN
fsr-3888	307	48	5	5	NUM
fsr-3888	307	49	465	465	NUM
fsr-3888	307	50	)	)	PUNCT
fsr-3888	307	51	(	(	PUNCT
fsr-3888	307	52	0.745	0.745	NUM
fsr-3888	307	53	)	)	PUNCT
fsr-3888	307	54	(	(	PUNCT
fsr-3888	307	55	0.683	0.683	NUM
fsr-3888	307	56	)	)	PUNCT
fsr-3888	307	57	(	(	PUNCT
fsr-3888	307	58	0.662	0.662	NUM
fsr-3888	307	59	)	)	PUNCT
fsr-3888	307	60	3rd	3rd	ADJ
fsr-3888	307	61	vehic	vehic	ADJ
fsr-3888	307	62	install	install	NOUN
fsr-3888	307	63	(	(	PUNCT
fsr-3888	307	64	0.652	0.652	NUM
fsr-3888	307	65	)	)	PUNCT
fsr-3888	307	66	(	(	PUNCT
fsr-3888	307	67	0.558	0.558	NUM
fsr-3888	307	68	)	)	PUNCT
fsr-3888	307	69	(	(	PUNCT
fsr-3888	307	70	0.464	0.464	NUM
fsr-3888	307	71	)	)	PUNCT
fsr-3888	307	72	a	a	DET
fsr-3888	307	73	the	the	DET
fsr-3888	307	74	most	most	ADV
fsr-3888	307	75	prominent	prominent	ADJ
fsr-3888	307	76	asset	asset	NOUN
fsr-3888	307	77	and	and	CCONJ
fsr-3888	307	78	liability	liability	NOUN
fsr-3888	307	79	combination	combination	NOUN
fsr-3888	307	80	are	be	AUX
fsr-3888	307	81	presented	present	VERB
fsr-3888	307	82	for	for	ADP
fsr-3888	307	83	each	each	DET
fsr-3888	307	84	significant	significant	ADJ
fsr-3888	307	85	root	root	NOUN
fsr-3888	307	86	.	.	PUNCT
fsr-3888	308	1	in	in	ADP
fsr-3888	308	2	addition	addition	NOUN
fsr-3888	308	3	,	,	PUNCT
fsr-3888	308	4	any	any	DET
fsr-3888	308	5	loading	loading	NOUN
fsr-3888	308	6	for	for	ADP
fsr-3888	308	7	asset	asset	NOUN
fsr-3888	308	8	and/or	and/or	CCONJ
fsr-3888	308	9	liability	liability	NOUN
fsr-3888	308	10	greater	great	ADJ
fsr-3888	308	11	than	than	ADP
fsr-3888	308	12	0.8	0.8	NUM
fsr-3888	308	13	is	be	AUX
fsr-3888	308	14	also	also	ADV
fsr-3888	308	15	presented	present	VERB
fsr-3888	308	16	.	.	PUNCT
fsr-3888	309	1	143y.a	143y.a	X
fsr-3888	309	2	.	.	PUNCT
fsr-3888	310	1	badu	badu	PROPN
fsr-3888	310	2	et	et	PROPN
fsr-3888	310	3	al	al	PROPN
fsr-3888	310	4	.	.	PUNCT
fsr-3888	310	5	/	/	SYM
fsr-3888	310	6	financial	financial	ADJ
fsr-3888	310	7	services	service	NOUN
fsr-3888	310	8	review	review	VERB
fsr-3888	310	9	8	8	NUM
fsr-3888	310	10	(	(	PUNCT
fsr-3888	310	11	1999	1999	NUM
fsr-3888	310	12	)	)	PUNCT
fsr-3888	311	1	129–147	129–147	NUM
fsr-3888	311	2	display	display	VERB
fsr-3888	311	3	a	a	DET
fsr-3888	311	4	heavy	heavy	ADJ
fsr-3888	311	5	reliance	reliance	NOUN
fsr-3888	311	6	on	on	ADP
fsr-3888	311	7	credit	credit	NOUN
fsr-3888	311	8	card	card	NOUN
fsr-3888	311	9	debt	debt	NOUN
fsr-3888	311	10	,	,	PUNCT
fsr-3888	311	11	whereas	whereas	SCONJ
fsr-3888	311	12	the	the	DET
fsr-3888	311	13	other	other	ADJ
fsr-3888	311	14	two	two	NUM
fsr-3888	311	15	black	black	ADJ
fsr-3888	311	16	subsamples	subsample	NOUN
fsr-3888	311	17	do	do	AUX
fsr-3888	311	18	not	not	PART
fsr-3888	311	19	display	display	VERB
fsr-3888	311	20	significant	significant	ADJ
fsr-3888	311	21	credit	credit	NOUN
fsr-3888	311	22	card	card	NOUN
fsr-3888	311	23	usage	usage	NOUN
fsr-3888	311	24	at	at	ADV
fsr-3888	311	25	all	all	ADV
fsr-3888	311	26	.	.	PUNCT
fsr-3888	312	1	clearly	clearly	ADV
fsr-3888	312	2	age	age	NOUN
fsr-3888	312	3	has	have	VERB
fsr-3888	312	4	an	an	DET
fsr-3888	312	5	impact	impact	NOUN
fsr-3888	312	6	on	on	ADP
fsr-3888	312	7	the	the	DET
fsr-3888	312	8	balance	balance	NOUN
fsr-3888	312	9	sheet	sheet	NOUN
fsr-3888	312	10	composition	composition	NOUN
fsr-3888	312	11	of	of	ADP
fsr-3888	312	12	the	the	DET
fsr-3888	312	13	household	household	NOUN
fsr-3888	312	14	.	.	PUNCT
fsr-3888	313	1	this	this	PRON
fsr-3888	313	2	may	may	AUX
fsr-3888	313	3	also	also	ADV
fsr-3888	313	4	demonstrate	demonstrate	VERB
fsr-3888	313	5	that	that	SCONJ
fsr-3888	313	6	liability	liability	NOUN
fsr-3888	313	7	choices	choice	NOUN
fsr-3888	313	8	of	of	ADP
fsr-3888	313	9	the	the	DET
fsr-3888	313	10	youngest	youngest	ADV
fsr-3888	313	11	black	black	ADJ
fsr-3888	313	12	households	household	NOUN
fsr-3888	313	13	are	be	AUX
fsr-3888	313	14	constrained	constrain	VERB
fsr-3888	313	15	to	to	ADP
fsr-3888	313	16	the	the	DET
fsr-3888	313	17	more	more	ADV
fsr-3888	313	18	expensive	expensive	ADJ
fsr-3888	313	19	alternatives	alternative	NOUN
fsr-3888	313	20	.	.	PUNCT
fsr-3888	314	1	in	in	ADP
fsr-3888	314	2	addition	addition	NOUN
fsr-3888	314	3	,	,	PUNCT
fsr-3888	314	4	when	when	SCONJ
fsr-3888	314	5	we	we	PRON
fsr-3888	314	6	compare	compare	VERB
fsr-3888	314	7	the	the	DET
fsr-3888	314	8	36	36	NUM
fsr-3888	314	9	to	to	PART
fsr-3888	314	10	55	55	NUM
fsr-3888	314	11	year	year	NOUN
fsr-3888	314	12	subsample	subsample	NOUN
fsr-3888	314	13	for	for	ADP
fsr-3888	314	14	each	each	DET
fsr-3888	314	15	race	race	NOUN
fsr-3888	314	16	,	,	PUNCT
fsr-3888	314	17	we	we	PRON
fsr-3888	314	18	identify	identify	VERB
fsr-3888	314	19	two	two	NUM
fsr-3888	314	20	significantly	significantly	ADV
fsr-3888	314	21	different	different	ADJ
fsr-3888	314	22	groups	group	NOUN
fsr-3888	314	23	.	.	PUNCT
fsr-3888	315	1	although	although	SCONJ
fsr-3888	315	2	,	,	PUNCT
fsr-3888	315	3	the	the	DET
fsr-3888	315	4	black	black	NOUN
fsr-3888	315	5	-	-	PUNCT
fsr-3888	315	6	only	only	ADV
fsr-3888	315	7	households	household	NOUN
fsr-3888	315	8	in	in	ADP
fsr-3888	315	9	the	the	DET
fsr-3888	315	10	36	36	NUM
fsr-3888	315	11	to	to	PART
fsr-3888	315	12	55	55	NUM
fsr-3888	315	13	year	year	NOUN
fsr-3888	315	14	subsample	subsample	NOUN
fsr-3888	315	15	have	have	VERB
fsr-3888	315	16	a	a	DET
fsr-3888	315	17	healthy	healthy	ADJ
fsr-3888	315	18	balance	balance	NOUN
fsr-3888	315	19	sheet	sheet	NOUN
fsr-3888	315	20	structure	structure	NOUN
fsr-3888	315	21	,	,	PUNCT
fsr-3888	315	22	the	the	DET
fsr-3888	315	23	lack	lack	NOUN
fsr-3888	315	24	of	of	ADP
fsr-3888	315	25	any	any	DET
fsr-3888	315	26	independent	independent	ADJ
fsr-3888	315	27	financial	financial	ADJ
fsr-3888	315	28	assets	asset	NOUN
fsr-3888	315	29	,	,	PUNCT
fsr-3888	315	30	that	that	ADV
fsr-3888	315	31	is	is	ADV
fsr-3888	315	32	,	,	PUNCT
fsr-3888	315	33	assets	asset	NOUN
fsr-3888	315	34	unaccompanied	unaccompanie	VERB
fsr-3888	315	35	by	by	ADP
fsr-3888	315	36	matching	match	VERB
fsr-3888	315	37	liabilities	liability	NOUN
fsr-3888	315	38	demonstrates	demonstrate	VERB
fsr-3888	315	39	a	a	DET
fsr-3888	315	40	marked	mark	VERB
fsr-3888	315	41	difference	difference	NOUN
fsr-3888	315	42	in	in	ADP
fsr-3888	315	43	asset	asset	NOUN
fsr-3888	315	44	accumulation	accumulation	NOUN
fsr-3888	315	45	between	between	ADP
fsr-3888	315	46	the	the	DET
fsr-3888	315	47	races	race	NOUN
fsr-3888	315	48	.	.	PUNCT
fsr-3888	316	1	the	the	DET
fsr-3888	316	2	healthy	healthy	ADJ
fsr-3888	316	3	balance	balance	NOUN
fsr-3888	316	4	sheet	sheet	NOUN
fsr-3888	316	5	structure	structure	NOUN
fsr-3888	316	6	coupled	couple	VERB
fsr-3888	316	7	with	with	ADP
fsr-3888	316	8	independent	independent	ADJ
fsr-3888	316	9	financial	financial	ADJ
fsr-3888	316	10	assets	asset	NOUN
fsr-3888	316	11	of	of	ADP
fsr-3888	316	12	the	the	DET
fsr-3888	316	13	white	white	ADJ
fsr-3888	316	14	-	-	PUNCT
fsr-3888	316	15	only	only	ADV
fsr-3888	316	16	households	household	NOUN
fsr-3888	316	17	in	in	ADP
fsr-3888	316	18	the	the	DET
fsr-3888	316	19	36	36	NUM
fsr-3888	316	20	to	to	PART
fsr-3888	316	21	55	55	NUM
fsr-3888	316	22	subsample	subsample	NOUN
fsr-3888	316	23	may	may	AUX
fsr-3888	316	24	indicate	indicate	VERB
fsr-3888	316	25	that	that	SCONJ
fsr-3888	316	26	white	white	ADJ
fsr-3888	316	27	households	household	NOUN
fsr-3888	316	28	engage	engage	VERB
fsr-3888	316	29	in	in	ADP
fsr-3888	316	30	selection	selection	NOUN
fsr-3888	316	31	of	of	ADP
fsr-3888	316	32	riskier	risky	ADJ
fsr-3888	316	33	investment	investment	NOUN
fsr-3888	316	34	vehicles	vehicle	NOUN
fsr-3888	316	35	that	that	PRON
fsr-3888	316	36	over	over	ADP
fsr-3888	316	37	time	time	NOUN
fsr-3888	316	38	offer	offer	VERB
fsr-3888	316	39	a	a	DET
fsr-3888	316	40	higher	high	ADJ
fsr-3888	316	41	expected	expect	VERB
fsr-3888	316	42	return	return	NOUN
fsr-3888	316	43	.	.	PUNCT
fsr-3888	317	1	it	it	PRON
fsr-3888	317	2	is	be	AUX
fsr-3888	317	3	clear	clear	ADJ
fsr-3888	317	4	that	that	SCONJ
fsr-3888	317	5	there	there	PRON
fsr-3888	317	6	are	be	VERB
fsr-3888	317	7	significant	significant	ADJ
fsr-3888	317	8	portfolio	portfolio	NOUN
fsr-3888	317	9	differences	difference	NOUN
fsr-3888	317	10	across	across	ADP
fsr-3888	317	11	the	the	DET
fsr-3888	317	12	racial	racial	ADJ
fsr-3888	317	13	groups	group	NOUN
fsr-3888	317	14	.	.	PUNCT
fsr-3888	318	1	we	we	PRON
fsr-3888	318	2	focus	focus	VERB
fsr-3888	318	3	our	our	PRON
fsr-3888	318	4	attention	attention	NOUN
fsr-3888	318	5	on	on	ADP
fsr-3888	318	6	individual	individual	ADJ
fsr-3888	318	7	choices	choice	NOUN
fsr-3888	318	8	as	as	ADP
fsr-3888	318	9	the	the	DET
fsr-3888	318	10	reason	reason	NOUN
fsr-3888	318	11	for	for	ADP
fsr-3888	318	12	portfolio	portfolio	NOUN
fsr-3888	318	13	differences	difference	NOUN
fsr-3888	318	14	between	between	ADP
fsr-3888	318	15	black	black	ADJ
fsr-3888	318	16	and	and	CCONJ
fsr-3888	318	17	white	white	ADJ
fsr-3888	318	18	houesholds	houeshold	NOUN
fsr-3888	318	19	.	.	PUNCT
fsr-3888	319	1	table	table	NOUN
fsr-3888	319	2	7	7	NUM
fsr-3888	319	3	presents	present	VERB
fsr-3888	319	4	the	the	DET
fsr-3888	319	5	results	result	NOUN
fsr-3888	319	6	for	for	ADP
fsr-3888	319	7	the	the	DET
fsr-3888	319	8	risk	risk	NOUN
fsr-3888	319	9	tolerance	tolerance	NOUN
fsr-3888	319	10	measure	measure	NOUN
fsr-3888	319	11	calculations	calculation	NOUN
fsr-3888	319	12	.	.	PUNCT
fsr-3888	320	1	employing	employ	VERB
fsr-3888	320	2	several	several	ADJ
fsr-3888	320	3	different	different	ADJ
fsr-3888	320	4	measures	measure	NOUN
fsr-3888	320	5	,	,	PUNCT
fsr-3888	320	6	which	which	PRON
fsr-3888	320	7	vary	vary	VERB
fsr-3888	320	8	in	in	ADP
fsr-3888	320	9	degree	degree	NOUN
fsr-3888	320	10	of	of	ADP
fsr-3888	320	11	restrictiveness	restrictiveness	NOUN
fsr-3888	320	12	,	,	PUNCT
fsr-3888	320	13	for	for	ADP
fsr-3888	320	14	risk	risk	NOUN
fsr-3888	320	15	tolerance	tolerance	NOUN
fsr-3888	320	16	we	we	PRON
fsr-3888	320	17	find	find	VERB
fsr-3888	320	18	that	that	SCONJ
fsr-3888	320	19	significant	significant	ADJ
fsr-3888	320	20	differences	difference	NOUN
fsr-3888	320	21	exist	exist	VERB
fsr-3888	320	22	between	between	ADP
fsr-3888	320	23	the	the	DET
fsr-3888	320	24	two	two	NUM
fsr-3888	320	25	groups	group	NOUN
fsr-3888	320	26	.	.	PUNCT
fsr-3888	321	1	in	in	ADP
fsr-3888	321	2	all	all	DET
fsr-3888	321	3	measures	measure	NOUN
fsr-3888	321	4	the	the	DET
fsr-3888	321	5	white	white	ADJ
fsr-3888	321	6	group	group	NOUN
fsr-3888	321	7	was	be	AUX
fsr-3888	321	8	found	find	VERB
fsr-3888	321	9	to	to	PART
fsr-3888	321	10	be	be	AUX
fsr-3888	321	11	more	more	ADJ
fsr-3888	321	12	risk	risk	NOUN
fsr-3888	321	13	tolerant	tolerant	ADJ
fsr-3888	321	14	than	than	ADP
fsr-3888	321	15	the	the	DET
fsr-3888	321	16	black	black	ADJ
fsr-3888	321	17	group	group	NOUN
fsr-3888	321	18	.	.	PUNCT
fsr-3888	322	1	in	in	ADP
fsr-3888	322	2	addition	addition	NOUN
fsr-3888	322	3	,	,	PUNCT
fsr-3888	322	4	as	as	SCONJ
fsr-3888	322	5	stated	state	VERB
fsr-3888	322	6	before	before	SCONJ
fsr-3888	322	7	we	we	PRON
fsr-3888	322	8	find	find	VERB
fsr-3888	322	9	the	the	DET
fsr-3888	322	10	black	black	ADJ
fsr-3888	322	11	group	group	NOUN
fsr-3888	322	12	to	to	PART
fsr-3888	322	13	be	be	AUX
fsr-3888	322	14	significantly	significantly	ADV
fsr-3888	322	15	younger	young	ADJ
fsr-3888	322	16	than	than	ADP
fsr-3888	322	17	the	the	DET
fsr-3888	322	18	white	white	PROPN
fsr-3888	322	19	group	group	NOUN
fsr-3888	322	20	on	on	ADP
fsr-3888	322	21	average	average	ADJ
fsr-3888	322	22	.	.	PUNCT
fsr-3888	323	1	morin	morin	PROPN
fsr-3888	323	2	and	and	CCONJ
fsr-3888	323	3	suarez	suarez	PROPN
fsr-3888	323	4	(	(	PUNCT
fsr-3888	323	5	1983	1983	NUM
fsr-3888	323	6	)	)	PUNCT
fsr-3888	323	7	find	find	VERB
fsr-3888	323	8	that	that	SCONJ
fsr-3888	323	9	all	all	DET
fsr-3888	323	10	other	other	ADJ
fsr-3888	323	11	things	thing	NOUN
fsr-3888	323	12	equal	equal	ADJ
fsr-3888	323	13	risk	risk	NOUN
fsr-3888	323	14	tolerance	tolerance	NOUN
fsr-3888	323	15	decreases	decrease	VERB
fsr-3888	323	16	with	with	ADP
fsr-3888	323	17	age	age	NOUN
fsr-3888	323	18	.	.	PUNCT
fsr-3888	324	1	thus	thus	ADV
fsr-3888	324	2	,	,	PUNCT
fsr-3888	324	3	in	in	ADP
fsr-3888	324	4	spite	spite	NOUN
fsr-3888	324	5	of	of	ADP
fsr-3888	324	6	the	the	DET
fsr-3888	324	7	fact	fact	NOUN
fsr-3888	324	8	that	that	SCONJ
fsr-3888	324	9	the	the	DET
fsr-3888	324	10	black	black	ADJ
fsr-3888	324	11	group	group	NOUN
fsr-3888	324	12	is	be	AUX
fsr-3888	324	13	younger	young	ADJ
fsr-3888	324	14	it	it	PRON
fsr-3888	324	15	is	be	AUX
fsr-3888	324	16	significantly	significantly	ADV
fsr-3888	324	17	less	less	ADJ
fsr-3888	324	18	risk	risk	NOUN
fsr-3888	324	19	tolerant	tolerant	ADJ
fsr-3888	324	20	in	in	ADP
fsr-3888	324	21	its	its	PRON
fsr-3888	324	22	choice	choice	NOUN
fsr-3888	324	23	of	of	ADP
fsr-3888	324	24	assets	asset	NOUN
fsr-3888	324	25	and	and	CCONJ
fsr-3888	324	26	liabilities	liability	NOUN
fsr-3888	324	27	.	.	PUNCT
fsr-3888	325	1	the	the	DET
fsr-3888	325	2	data	datum	NOUN
fsr-3888	325	3	indicate	indicate	VERB
fsr-3888	325	4	that	that	SCONJ
fsr-3888	325	5	households	household	NOUN
fsr-3888	325	6	headed	head	VERB
fsr-3888	325	7	by	by	ADP
fsr-3888	325	8	blacks	black	NOUN
fsr-3888	325	9	acquire	acquire	VERB
fsr-3888	325	10	less	less	ADV
fsr-3888	325	11	risky	risky	ADJ
fsr-3888	325	12	asset	asset	NOUN
fsr-3888	325	13	combinations	combination	NOUN
fsr-3888	325	14	and	and	CCONJ
fsr-3888	325	15	therefore	therefore	ADV
fsr-3888	325	16	according	accord	VERB
fsr-3888	325	17	to	to	ADP
fsr-3888	325	18	classical	classical	ADJ
fsr-3888	325	19	financial	financial	ADJ
fsr-3888	325	20	theory	theory	NOUN
fsr-3888	325	21	should	should	AUX
fsr-3888	325	22	be	be	AUX
fsr-3888	325	23	expected	expect	VERB
fsr-3888	325	24	to	to	PART
fsr-3888	325	25	have	have	VERB
fsr-3888	325	26	lower	low	ADJ
fsr-3888	325	27	net	net	ADJ
fsr-3888	325	28	worth	worth	NOUN
fsr-3888	325	29	in	in	ADP
fsr-3888	325	30	the	the	DET
fsr-3888	325	31	long	long	ADJ
fsr-3888	325	32	term	term	NOUN
fsr-3888	325	33	.	.	PUNCT
fsr-3888	326	1	table	table	NOUN
fsr-3888	326	2	7	7	NUM
fsr-3888	326	3	descriptive	descriptive	ADJ
fsr-3888	326	4	statistics	statistic	NOUN
fsr-3888	326	5	for	for	ADP
fsr-3888	326	6	various	various	ADJ
fsr-3888	326	7	risk	risk	NOUN
fsr-3888	326	8	aversion	aversion	NOUN
fsr-3888	326	9	coefficientsb	coefficientsb	VERB
fsr-3888	326	10	and	and	CCONJ
fsr-3888	326	11	age	age	NOUN
fsr-3888	326	12	by	by	ADP
fsr-3888	326	13	race	race	NOUN
fsr-3888	326	14	for	for	ADP
fsr-3888	326	15	the	the	DET
fsr-3888	326	16	total	total	ADJ
fsr-3888	326	17	sample	sample	NOUN
fsr-3888	326	18	riskavz1	riskavz1	PROPN
fsr-3888	326	19	riskavz2	riskavz2	PROPN
fsr-3888	327	1	riskavz3	riskavz3	PROPN
fsr-3888	327	2	age	age	PROPN
fsr-3888	327	3	white	white	PROPN
fsr-3888	327	4	black	black	ADJ
fsr-3888	327	5	white	white	ADJ
fsr-3888	327	6	black	black	ADJ
fsr-3888	327	7	white	white	ADJ
fsr-3888	327	8	black	black	ADJ
fsr-3888	327	9	white	white	ADJ
fsr-3888	327	10	black	black	ADJ
fsr-3888	327	11	mean	mean	PROPN
fsr-3888	327	12	0.535	0.535	NUM
fsr-3888	327	13	0.169	0.169	NUM
fsr-3888	327	14	0.267	0.267	ADP
fsr-3888	327	15	0.084	0.084	NUM
fsr-3888	327	16	0.245	0.245	NUM
fsr-3888	327	17	0.081	0.081	NUM
fsr-3888	327	18	51.538	51.538	NUM
fsr-3888	327	19	45.936	45.936	NUM
fsr-3888	327	20	median	median	NOUN
fsr-3888	327	21	0.351	0.351	NUM
fsr-3888	327	22	0.000	0.000	NUM
fsr-3888	327	23	0.164	0.164	NUM
fsr-3888	327	24	0.000	0.000	NUM
fsr-3888	328	1	0.011	0.011	NUM
fsr-3888	328	2	0.000	0.000	NUM
fsr-3888	328	3	50	50	NUM
fsr-3888	328	4	43	43	NUM
fsr-3888	328	5	sd	sd	ADP
fsr-3888	328	6	32.01	32.01	NUM
fsr-3888	328	7	0.793	0.793	NUM
fsr-3888	328	8	21.18	21.18	NUM
fsr-3888	328	9	0.605	0.605	NUM
fsr-3888	328	10	21.18	21.18	NUM
fsr-3888	328	11	0.603	0.603	NUM
fsr-3888	328	12	16.68	16.68	NUM
fsr-3888	328	13	16.30	16.30	NUM
fsr-3888	328	14	number	number	NOUN
fsr-3888	328	15	of	of	ADP
fsr-3888	328	16	observations	observation	NOUN
fsr-3888	328	17	15738	15738	NUM
fsr-3888	328	18	1790	1790	NUM
fsr-3888	328	19	15738	15738	NUM
fsr-3888	328	20	1790	1790	NUM
fsr-3888	328	21	15738	15738	NUM
fsr-3888	328	22	1790	1790	NUM
fsr-3888	328	23	15738	15738	NUM
fsr-3888	328	24	1790	1790	NUM
fsr-3888	328	25	difference	difference	NOUN
fsr-3888	328	26	of	of	ADP
fsr-3888	328	27	meant	mean	VERB
fsr-3888	328	28	-	-	PUNCT
fsr-3888	328	29	test	test	NOUN
fsr-3888	328	30	t	t	PROPN
fsr-3888	328	31	-	-	PUNCT
fsr-3888	328	32	statistic5	statistic5	PROPN
fsr-3888	328	33	21.43	21.43	NUM
fsr-3888	328	34	t	t	NOUN
fsr-3888	328	35	-	-	PUNCT
fsr-3888	328	36	statistic5	statistic5	PROPN
fsr-3888	328	37	21.08	21.08	NUM
fsr-3888	328	38	t	t	NOUN
fsr-3888	328	39	-	-	PUNCT
fsr-3888	328	40	statistic5	statistic5	PROPN
fsr-3888	328	41	20.97	20.97	NUM
fsr-3888	328	42	t	t	PROPN
fsr-3888	328	43	-	-	PUNCT
fsr-3888	328	44	statistic5	statistic5	PROPN
fsr-3888	328	45	213.74a	213.74a	NUM
fsr-3888	329	1	wilcoxin	wilcoxin	NOUN
fsr-3888	329	2	ranksum	ranksum	VERB
fsr-3888	329	3	testc	testc	NOUN
fsr-3888	329	4	z	z	PROPN
fsr-3888	329	5	-	-	PUNCT
fsr-3888	329	6	statistic5	statistic5	VERB
fsr-3888	329	7	228.49a	228.49a	NUM
fsr-3888	329	8	z	z	X
fsr-3888	329	9	-	-	PUNCT
fsr-3888	329	10	statistic5	statistic5	NOUN
fsr-3888	330	1	228.87a	228.87a	NUM
fsr-3888	330	2	z	z	X
fsr-3888	330	3	-	-	PUNCT
fsr-3888	330	4	statistic5	statistic5	NOUN
fsr-3888	330	5	227.75a	227.75a	NUM
fsr-3888	331	1	z	z	X
fsr-3888	331	2	-	-	PUNCT
fsr-3888	331	3	statistic5	statistic5	VERB
fsr-3888	331	4	213.66a	213.66a	NOUN
fsr-3888	331	5	a	a	PRON
fsr-3888	331	6	indicates	indicate	VERB
fsr-3888	331	7	a	a	DET
fsr-3888	331	8	level	level	NOUN
fsr-3888	331	9	of	of	ADP
fsr-3888	331	10	significance	significance	NOUN
fsr-3888	331	11	at	at	ADP
fsr-3888	331	12	least	least	ADJ
fsr-3888	331	13	at	at	ADP
fsr-3888	331	14	the	the	DET
fsr-3888	331	15	1	1	NUM
fsr-3888	331	16	%	%	NOUN
fsr-3888	331	17	level	level	NOUN
fsr-3888	331	18	.	.	PUNCT
fsr-3888	332	1	b	b	X
fsr-3888	332	2	riskazv1	riskazv1	NOUN
fsr-3888	332	3	is	be	AUX
fsr-3888	332	4	equal	equal	ADJ
fsr-3888	332	5	to	to	ADP
fsr-3888	332	6	(	(	PUNCT
fsr-3888	332	7	stocks1	stocks1	PROPN
fsr-3888	332	8	realest	real	ADJ
fsr-3888	332	9	1	1	NUM
fsr-3888	332	10	bus	bus	NOUN
fsr-3888	332	11	1	1	NUM
fsr-3888	332	12	nmmf	nmmf	NOUN
fsr-3888	332	13	1	1	NUM
fsr-3888	332	14	retqliz	retqliz	NOUN
fsr-3888	332	15	)	)	PUNCT
fsr-3888	332	16	divided	divide	VERB
fsr-3888	332	17	by	by	ADP
fsr-3888	332	18	net	net	ADJ
fsr-3888	332	19	worth	worth	NOUN
fsr-3888	332	20	.	.	PUNCT
fsr-3888	333	1	riskavz2	riskavz2	NOUN
fsr-3888	333	2	is	be	AUX
fsr-3888	333	3	equal	equal	ADJ
fsr-3888	333	4	to	to	ADP
fsr-3888	333	5	(	(	PUNCT
fsr-3888	333	6	stocks1	stocks1	PROPN
fsr-3888	333	7	realest	real	ADJ
fsr-3888	333	8	1	1	NUM
fsr-3888	333	9	bus	bus	NOUN
fsr-3888	333	10	1	1	NUM
fsr-3888	333	11	nmmf	nmmf	NOUN
fsr-3888	333	12	)	)	PUNCT
fsr-3888	333	13	divided	divide	VERB
fsr-3888	333	14	by	by	ADP
fsr-3888	333	15	net	net	ADJ
fsr-3888	333	16	worth	worth	NOUN
fsr-3888	333	17	.	.	PUNCT
fsr-3888	334	1	riskavz3	riskavz3	NOUN
fsr-3888	334	2	is	be	AUX
fsr-3888	334	3	equal	equal	ADJ
fsr-3888	334	4	to	to	ADP
fsr-3888	334	5	(	(	PUNCT
fsr-3888	334	6	stocks1	stocks1	PROPN
fsr-3888	334	7	realest	real	ADJ
fsr-3888	334	8	1	1	NUM
fsr-3888	334	9	bus	bus	NOUN
fsr-3888	334	10	)	)	PUNCT
fsr-3888	334	11	divided	divide	VERB
fsr-3888	334	12	by	by	ADP
fsr-3888	334	13	net	net	ADJ
fsr-3888	334	14	worth	worth	NOUN
fsr-3888	334	15	.	.	PUNCT
fsr-3888	335	1	if	if	SCONJ
fsr-3888	335	2	net	net	ADJ
fsr-3888	335	3	worth	worth	NOUN
fsr-3888	335	4	is	be	AUX
fsr-3888	335	5	equal	equal	ADJ
fsr-3888	335	6	to	to	ADP
fsr-3888	335	7	0	0	NUM
fsr-3888	335	8	it	it	PRON
fsr-3888	335	9	was	be	AUX
fsr-3888	335	10	set	set	VERB
fsr-3888	335	11	to	to	ADP
fsr-3888	335	12	$	$	SYM
fsr-3888	335	13	1.00	1.00	NUM
fsr-3888	335	14	for	for	ADP
fsr-3888	335	15	these	these	DET
fsr-3888	335	16	calculations	calculation	NOUN
fsr-3888	335	17	.	.	PUNCT
fsr-3888	336	1	c	c	NOUN
fsr-3888	336	2	tests	test	VERB
fsr-3888	336	3	the	the	DET
fsr-3888	336	4	hypothesis	hypothesis	NOUN
fsr-3888	336	5	that	that	PRON
fsr-3888	336	6	the	the	DET
fsr-3888	336	7	two	two	NUM
fsr-3888	336	8	samples	sample	NOUN
fsr-3888	336	9	are	be	AUX
fsr-3888	336	10	from	from	ADP
fsr-3888	336	11	populations	population	NOUN
fsr-3888	336	12	with	with	ADP
fsr-3888	336	13	the	the	DET
fsr-3888	336	14	same	same	ADJ
fsr-3888	336	15	medians	median	NOUN
fsr-3888	336	16	.	.	PUNCT
fsr-3888	337	1	144	144	NUM
fsr-3888	337	2	y.a	y.a	PROPN
fsr-3888	337	3	.	.	PROPN
fsr-3888	337	4	badu	badu	PROPN
fsr-3888	337	5	et	et	PROPN
fsr-3888	337	6	al	al	PROPN
fsr-3888	337	7	.	.	PUNCT
fsr-3888	337	8	/	/	SYM
fsr-3888	337	9	financial	financial	ADJ
fsr-3888	337	10	services	service	NOUN
fsr-3888	337	11	review	review	VERB
fsr-3888	337	12	8	8	NUM
fsr-3888	337	13	(	(	PUNCT
fsr-3888	337	14	1999	1999	NUM
fsr-3888	337	15	)	)	PUNCT
fsr-3888	338	1	129–147	129–147	NUM
fsr-3888	338	2	so	so	ADV
fsr-3888	338	3	far	far	ADV
fsr-3888	338	4	our	our	PRON
fsr-3888	338	5	investigation	investigation	NOUN
fsr-3888	338	6	of	of	ADP
fsr-3888	338	7	the	the	DET
fsr-3888	338	8	differences	difference	NOUN
fsr-3888	338	9	in	in	ADP
fsr-3888	338	10	net	net	ADJ
fsr-3888	338	11	worth	worth	NOUN
fsr-3888	338	12	between	between	ADP
fsr-3888	338	13	households	household	NOUN
fsr-3888	338	14	headed	head	VERB
fsr-3888	338	15	by	by	ADP
fsr-3888	338	16	whites	white	NOUN
fsr-3888	338	17	and	and	CCONJ
fsr-3888	338	18	blacks	black	NOUN
fsr-3888	338	19	has	have	AUX
fsr-3888	338	20	centered	center	VERB
fsr-3888	338	21	on	on	ADP
fsr-3888	338	22	the	the	DET
fsr-3888	338	23	asset	asset	NOUN
fsr-3888	338	24	side	side	NOUN
fsr-3888	338	25	of	of	ADP
fsr-3888	338	26	the	the	DET
fsr-3888	338	27	balance	balance	NOUN
fsr-3888	338	28	sheet	sheet	NOUN
fsr-3888	338	29	.	.	PUNCT
fsr-3888	339	1	we	we	PRON
fsr-3888	339	2	would	would	AUX
fsr-3888	339	3	now	now	ADV
fsr-3888	339	4	like	like	VERB
fsr-3888	339	5	to	to	PART
fsr-3888	339	6	examine	examine	VERB
fsr-3888	339	7	the	the	DET
fsr-3888	339	8	liability	liability	NOUN
fsr-3888	339	9	side	side	NOUN
fsr-3888	339	10	of	of	ADP
fsr-3888	339	11	the	the	DET
fsr-3888	339	12	balance	balance	NOUN
fsr-3888	339	13	sheet	sheet	NOUN
fsr-3888	339	14	.	.	PUNCT
fsr-3888	340	1	these	these	DET
fsr-3888	340	2	differences	difference	NOUN
fsr-3888	340	3	if	if	SCONJ
fsr-3888	340	4	they	they	PRON
fsr-3888	340	5	exist	exist	VERB
fsr-3888	340	6	would	would	AUX
fsr-3888	340	7	manifest	manifest	VERB
fsr-3888	340	8	themselves	themselves	PRON
fsr-3888	340	9	in	in	ADP
fsr-3888	340	10	the	the	DET
fsr-3888	340	11	attitudes	attitude	NOUN
fsr-3888	340	12	of	of	ADP
fsr-3888	340	13	the	the	DET
fsr-3888	340	14	head	head	NOUN
fsr-3888	340	15	of	of	ADP
fsr-3888	340	16	the	the	DET
fsr-3888	340	17	households	household	NOUN
fsr-3888	340	18	.	.	PUNCT
fsr-3888	341	1	data	datum	NOUN
fsr-3888	341	2	pertaining	pertain	VERB
fsr-3888	341	3	to	to	ADP
fsr-3888	341	4	these	these	DET
fsr-3888	341	5	issues	issue	NOUN
fsr-3888	341	6	appear	appear	VERB
fsr-3888	341	7	in	in	ADP
fsr-3888	341	8	table	table	NOUN
fsr-3888	341	9	8	8	NUM
fsr-3888	341	10	.	.	PUNCT
fsr-3888	342	1	the	the	DET
fsr-3888	342	2	scf	scf	PROPN
fsr-3888	342	3	survey	survey	NOUN
fsr-3888	342	4	asks	ask	VERB
fsr-3888	342	5	respondents	respondent	NOUN
fsr-3888	342	6	to	to	PART
fsr-3888	342	7	indicate	indicate	VERB
fsr-3888	342	8	the	the	DET
fsr-3888	342	9	rate	rate	NOUN
fsr-3888	342	10	on	on	ADP
fsr-3888	342	11	various	various	ADJ
fsr-3888	342	12	loans	loan	NOUN
fsr-3888	342	13	,	,	PUNCT
fsr-3888	342	14	including	include	VERB
fsr-3888	342	15	mortgages	mortgage	NOUN
fsr-3888	342	16	.	.	PUNCT
fsr-3888	343	1	we	we	PRON
fsr-3888	343	2	examined	examine	VERB
fsr-3888	343	3	all	all	PRON
fsr-3888	343	4	of	of	ADP
fsr-3888	343	5	the	the	DET
fsr-3888	343	6	loan	loan	NOUN
fsr-3888	343	7	types	type	NOUN
fsr-3888	343	8	and	and	CCONJ
fsr-3888	343	9	find	find	VERB
fsr-3888	343	10	that	that	SCONJ
fsr-3888	343	11	first	first	ADJ
fsr-3888	343	12	mortgage	mortgage	NOUN
fsr-3888	343	13	rates	rate	NOUN
fsr-3888	343	14	and	and	CCONJ
fsr-3888	343	15	a	a	DET
fsr-3888	343	16	set	set	NOUN
fsr-3888	343	17	of	of	ADP
fsr-3888	343	18	loan	loan	NOUN
fsr-3888	343	19	rates	rate	NOUN
fsr-3888	343	20	for	for	ADP
fsr-3888	343	21	appliances	appliance	NOUN
fsr-3888	343	22	,	,	PUNCT
fsr-3888	343	23	furniture	furniture	NOUN
fsr-3888	343	24	,	,	PUNCT
fsr-3888	343	25	hobby	hobby	ADJ
fsr-3888	343	26	or	or	CCONJ
fsr-3888	343	27	recreational	recreational	ADJ
fsr-3888	343	28	equipment	equipment	NOUN
fsr-3888	343	29	are	be	AUX
fsr-3888	343	30	significantly	significantly	ADV
fsr-3888	343	31	higher	high	ADJ
fsr-3888	343	32	for	for	ADP
fsr-3888	343	33	households	household	NOUN
fsr-3888	343	34	headed	head	VERB
fsr-3888	343	35	by	by	ADP
fsr-3888	343	36	blacks	black	NOUN
fsr-3888	343	37	.	.	PUNCT
fsr-3888	344	1	these	these	DET
fsr-3888	344	2	results	result	NOUN
fsr-3888	344	3	are	be	AUX
fsr-3888	344	4	found	find	VERB
fsr-3888	344	5	in	in	ADP
fsr-3888	344	6	panel	panel	NOUN
fsr-3888	344	7	a.	a.	NOUN
fsr-3888	344	8	all	all	DET
fsr-3888	344	9	other	other	ADJ
fsr-3888	344	10	mortgage	mortgage	NOUN
fsr-3888	344	11	and	and	CCONJ
fsr-3888	344	12	loan	loan	NOUN
fsr-3888	344	13	rates	rate	NOUN
fsr-3888	344	14	were	be	AUX
fsr-3888	344	15	not	not	PART
fsr-3888	344	16	significantly	significantly	ADV
fsr-3888	344	17	different	different	ADJ
fsr-3888	344	18	across	across	ADP
fsr-3888	344	19	households	household	NOUN
fsr-3888	344	20	.	.	PUNCT
fsr-3888	345	1	attitudes	attitude	NOUN
fsr-3888	345	2	of	of	ADP
fsr-3888	345	3	the	the	DET
fsr-3888	345	4	households	household	NOUN
fsr-3888	345	5	toward	toward	ADP
fsr-3888	345	6	debt	debt	NOUN
fsr-3888	345	7	also	also	ADV
fsr-3888	345	8	seem	seem	VERB
fsr-3888	345	9	to	to	PART
fsr-3888	345	10	be	be	AUX
fsr-3888	345	11	different	different	ADJ
fsr-3888	345	12	.	.	PUNCT
fsr-3888	346	1	significantly	significantly	ADV
fsr-3888	346	2	more	more	ADJ
fsr-3888	346	3	households	household	NOUN
fsr-3888	346	4	headed	head	VERB
fsr-3888	346	5	table	table	NOUN
fsr-3888	346	6	8	8	NUM
fsr-3888	346	7	some	some	DET
fsr-3888	346	8	liability	liability	NOUN
fsr-3888	346	9	costs	cost	NOUN
fsr-3888	346	10	and	and	CCONJ
fsr-3888	346	11	household	household	NOUN
fsr-3888	346	12	attitudes	attitude	NOUN
fsr-3888	346	13	toward	toward	ADP
fsr-3888	346	14	debt	debt	NOUN
fsr-3888	346	15	responses	response	NOUN
fsr-3888	346	16	panel	panel	NOUN
fsr-3888	346	17	a	a	PRON
fsr-3888	346	18	:	:	PUNCT
fsr-3888	346	19	rates	rate	NOUN
fsr-3888	346	20	charged	charge	VERB
fsr-3888	346	21	first	first	ADJ
fsr-3888	346	22	mortgage	mortgage	NOUN
fsr-3888	346	23	loan	loan	NOUN
fsr-3888	346	24	4b	4b	PROPN
fsr-3888	346	25	loan	loan	PROPN
fsr-3888	346	26	5b	5b	NUM
fsr-3888	346	27	white	white	ADJ
fsr-3888	346	28	black	black	ADJ
fsr-3888	346	29	white	white	ADJ
fsr-3888	346	30	black	black	ADJ
fsr-3888	346	31	white	white	ADJ
fsr-3888	346	32	black	black	ADJ
fsr-3888	346	33	mean	mean	VERB
fsr-3888	346	34	8.862	8.862	NUM
fsr-3888	346	35	9.523	9.523	NUM
fsr-3888	346	36	12.618	12.618	NUM
fsr-3888	346	37	14.027	14.027	NUM
fsr-3888	346	38	13.660	13.660	NUM
fsr-3888	346	39	15.322	15.322	NUM
fsr-3888	346	40	std	std	NOUN
fsr-3888	346	41	dev	dev	NOUN
fsr-3888	346	42	1.716	1.716	NUM
fsr-3888	346	43	2.669	2.669	NUM
fsr-3888	346	44	5.107	5.107	NUM
fsr-3888	346	45	4.570	4.570	NUM
fsr-3888	346	46	6.364	6.364	NUM
fsr-3888	346	47	5.379	5.379	NUM
fsr-3888	346	48	observations	observation	NOUN
fsr-3888	346	49	6814	6814	NUM
fsr-3888	346	50	514	514	NUM
fsr-3888	346	51	1380	1380	NUM
fsr-3888	346	52	205	205	NUM
fsr-3888	346	53	31	31	NUM
fsr-3888	346	54	56	56	NUM
fsr-3888	346	55	wilcoxin	wilcoxin	PROPN
fsr-3888	346	56	rank	rank	NOUN
fsr-3888	346	57	-	-	PUNCT
fsr-3888	346	58	sum	sum	NOUN
fsr-3888	346	59	test	test	NOUN
fsr-3888	346	60	z	z	PROPN
fsr-3888	346	61	-	-	PUNCT
fsr-3888	346	62	statistic55.53a	statistic55.53a	PROPN
fsr-3888	346	63	z	z	PROPN
fsr-3888	346	64	-	-	PUNCT
fsr-3888	346	65	statistic5	statistic5	NOUN
fsr-3888	347	1	4.05a	4.05a	NUM
fsr-3888	347	2	z	z	PROPN
fsr-3888	347	3	-	-	PUNCT
fsr-3888	347	4	statistic52.07a	statistic52.07a	PROPN
fsr-3888	347	5	panel	panel	NOUN
fsr-3888	347	6	b	b	NOUN
fsr-3888	347	7	:	:	PUNCT
fsr-3888	347	8	household	household	NOUN
fsr-3888	347	9	attitudes	attitude	NOUN
fsr-3888	347	10	toward	toward	ADP
fsr-3888	347	11	debt	debt	NOUN
fsr-3888	347	12	how	how	SCONJ
fsr-3888	347	13	do	do	AUX
fsr-3888	347	14	you	you	PRON
fsr-3888	347	15	feel	feel	VERB
fsr-3888	347	16	about	about	ADP
fsr-3888	347	17	credit	credit	NOUN
fsr-3888	347	18	?	?	PUNCT
fsr-3888	348	1	have	have	AUX
fsr-3888	348	2	you	you	PRON
fsr-3888	348	3	been	be	AUX
fsr-3888	348	4	turned	turn	VERB
fsr-3888	348	5	down	down	ADP
fsr-3888	348	6	or	or	CCONJ
fsr-3888	348	7	not	not	PART
fsr-3888	348	8	received	receive	VERB
fsr-3888	348	9	as	as	ADV
fsr-3888	348	10	much	much	ADJ
fsr-3888	348	11	credit	credit	NOUN
fsr-3888	348	12	as	as	SCONJ
fsr-3888	348	13	asked	ask	VERB
fsr-3888	348	14	for	for	ADP
fsr-3888	348	15	?	?	PUNCT
fsr-3888	349	1	did	do	AUX
fsr-3888	349	2	you	you	PRON
fsr-3888	349	3	shop	shop	VERB
fsr-3888	349	4	around	around	ADP
fsr-3888	349	5	for	for	ADP
fsr-3888	349	6	the	the	DET
fsr-3888	349	7	best	good	ADJ
fsr-3888	349	8	deal	deal	NOUN
fsr-3888	349	9	?	?	PUNCT
fsr-3888	350	1	white	white	ADJ
fsr-3888	350	2	black	black	ADJ
fsr-3888	350	3	white	white	ADJ
fsr-3888	350	4	black	black	ADJ
fsr-3888	350	5	white	white	ADJ
fsr-3888	350	6	black	black	ADJ
fsr-3888	350	7	good	good	ADJ
fsr-3888	350	8	idea	idea	NOUN
fsr-3888	350	9	5066	5066	NUM
fsr-3888	350	10	796	796	NUM
fsr-3888	350	11	turned	turn	VERB
fsr-3888	350	12	down	down	ADP
fsr-3888	350	13	0.1629	0.1629	NUM
fsr-3888	350	14	0.3235	0.3235	NUM
fsr-3888	350	15	(	(	PUNCT
fsr-3888	350	16	0.3219	0.3219	NUM
fsr-3888	350	17	)	)	PUNCT
fsr-3888	350	18	(	(	PUNCT
fsr-3888	350	19	0.4447	0.4447	NUM
fsr-3888	350	20	)	)	PUNCT
fsr-3888	350	21	a	a	DET
fsr-3888	350	22	great	great	ADJ
fsr-3888	350	23	deal	deal	NOUN
fsr-3888	350	24	of	of	ADP
fsr-3888	350	25	shopping	shopping	NOUN
fsr-3888	350	26	0.3772	0.3772	NUM
fsr-3888	350	27	0.4648	0.4648	NUM
fsr-3888	350	28	bad	bad	ADJ
fsr-3888	350	29	idea	idea	NOUN
fsr-3888	350	30	4462	4462	NUM
fsr-3888	350	31	522	522	NUM
fsr-3888	350	32	not	not	PART
fsr-3888	350	33	as	as	ADV
fsr-3888	350	34	much	much	ADJ
fsr-3888	350	35	credit	credit	NOUN
fsr-3888	350	36	0.0221	0.0221	NUM
fsr-3888	350	37	0.0447	0.0447	NUM
fsr-3888	350	38	(	(	PUNCT
fsr-3888	350	39	0.285	0.285	NUM
fsr-3888	350	40	)	)	PUNCT
fsr-3888	350	41	(	(	PUNCT
fsr-3888	350	42	0.2916	0.2916	NUM
fsr-3888	350	43	)	)	PUNCT
fsr-3888	350	44	good	good	ADJ
fsr-3888	350	45	/	/	SYM
fsr-3888	350	46	bad	bad	ADJ
fsr-3888	350	47	idea	idea	NOUN
fsr-3888	350	48	6210	6210	NUM
fsr-3888	350	49	472	472	NUM
fsr-3888	350	50	not	not	PART
fsr-3888	350	51	turned	turn	VERB
fsr-3888	350	52	down	down	ADV
fsr-3888	350	53	0.8150	0.8150	NUM
fsr-3888	350	54	0.6319	0.6319	NUM
fsr-3888	350	55	(	(	PUNCT
fsr-3888	350	56	0.3914	0.3914	NUM
fsr-3888	350	57	)	)	PUNCT
fsr-3888	350	58	0.2637	0.2637	NUM
fsr-3888	350	59	)	)	PUNCT
fsr-3888	350	60	almost	almost	ADV
fsr-3888	350	61	no	no	DET
fsr-3888	350	62	shopping	shopping	NOUN
fsr-3888	350	63	0.1524	0.1524	NUM
fsr-3888	350	64	0.1737	0.1737	NUM
fsr-3888	350	65	observations	observation	NOUN
fsr-3888	350	66	15738	15738	NUM
fsr-3888	350	67	1790	1790	NUM
fsr-3888	350	68	observations	observation	NOUN
fsr-3888	350	69	15738	15738	NUM
fsr-3888	350	70	1790	1790	NUM
fsr-3888	350	71	wilcoxin	wilcoxin	PROPN
fsr-3888	350	72	ranksum	ranksum	VERB
fsr-3888	350	73	test	test	NOUN
fsr-3888	350	74	z	z	NOUN
fsr-3888	350	75	-	-	PUNCT
fsr-3888	350	76	statistic5	statistic5	NOUN
fsr-3888	350	77	210.01a	210.01a	NOUN
fsr-3888	351	1	z	z	X
fsr-3888	351	2	-	-	PUNCT
fsr-3888	351	3	statistic5	statistic5	NOUN
fsr-3888	351	4	212.71a	212.71a	NUM
fsr-3888	352	1	z	z	X
fsr-3888	352	2	-	-	PUNCT
fsr-3888	352	3	statistic5	statistic5	VERB
fsr-3888	352	4	2.90a	2.90a	NOUN
fsr-3888	352	5	a	a	DET
fsr-3888	352	6	indicates	indicate	VERB
fsr-3888	352	7	a	a	DET
fsr-3888	352	8	level	level	NOUN
fsr-3888	352	9	of	of	ADP
fsr-3888	352	10	significance	significance	NOUN
fsr-3888	352	11	at	at	ADP
fsr-3888	352	12	least	least	ADJ
fsr-3888	352	13	at	at	ADP
fsr-3888	352	14	the	the	DET
fsr-3888	352	15	5	5	NUM
fsr-3888	352	16	%	%	NOUN
fsr-3888	352	17	level	level	NOUN
fsr-3888	352	18	.	.	PUNCT
fsr-3888	353	1	b	b	NOUN
fsr-3888	353	2	the	the	DET
fsr-3888	353	3	scf	scf	PROPN
fsr-3888	353	4	asks	ask	VERB
fsr-3888	353	5	households	household	NOUN
fsr-3888	353	6	“	"	PUNCT
fsr-3888	353	7	not	not	PART
fsr-3888	353	8	counting	count	VERB
fsr-3888	353	9	credit	credit	NOUN
fsr-3888	353	10	cards	card	NOUN
fsr-3888	353	11	or	or	CCONJ
fsr-3888	353	12	loans	loan	NOUN
fsr-3888	353	13	you	you	PRON
fsr-3888	353	14	have	have	AUX
fsr-3888	353	15	already	already	ADV
fsr-3888	353	16	told	tell	VERB
fsr-3888	353	17	me	i	PRON
fsr-3888	353	18	about	about	SCONJ
fsr-3888	353	19	do	do	VERB
fsr-3888	353	20	you	you	PRON
fsr-3888	353	21	any	any	DET
fsr-3888	353	22	money	money	NOUN
fsr-3888	353	23	on	on	ADP
fsr-3888	353	24	loans	loan	NOUN
fsr-3888	353	25	for	for	ADP
fsr-3888	353	26	household	household	NOUN
fsr-3888	353	27	appliances	appliance	NOUN
fsr-3888	353	28	,	,	PUNCT
fsr-3888	353	29	furniture	furniture	NOUN
fsr-3888	353	30	,	,	PUNCT
fsr-3888	353	31	hobby	hobby	ADJ
fsr-3888	353	32	or	or	CCONJ
fsr-3888	353	33	recreational	recreational	ADJ
fsr-3888	353	34	equipment	equipment	NOUN
fsr-3888	353	35	,	,	PUNCT
fsr-3888	353	36	”	"	PUNCT
fsr-3888	353	37	these	these	PRON
fsr-3888	353	38	are	be	AUX
fsr-3888	353	39	the	the	DET
fsr-3888	353	40	rates	rate	NOUN
fsr-3888	353	41	list	list	NOUN
fsr-3888	353	42	for	for	ADP
fsr-3888	353	43	the	the	DET
fsr-3888	353	44	types	type	NOUN
fsr-3888	353	45	of	of	ADP
fsr-3888	353	46	loans	loan	NOUN
fsr-3888	353	47	.	.	PUNCT
fsr-3888	354	1	there	there	PRON
fsr-3888	354	2	are	be	VERB
fsr-3888	354	3	at	at	ADV
fsr-3888	354	4	least	least	ADJ
fsr-3888	354	5	12	12	NUM
fsr-3888	354	6	categories	category	NOUN
fsr-3888	354	7	for	for	ADP
fsr-3888	354	8	these	these	DET
fsr-3888	354	9	types	type	NOUN
fsr-3888	354	10	of	of	ADP
fsr-3888	354	11	loans	loan	NOUN
fsr-3888	354	12	,	,	PUNCT
fsr-3888	354	13	those	those	PRON
fsr-3888	354	14	presented	present	VERB
fsr-3888	354	15	represented	represent	VERB
fsr-3888	354	16	only	only	ADV
fsr-3888	354	17	the	the	DET
fsr-3888	354	18	loans	loan	NOUN
fsr-3888	354	19	whose	whose	DET
fsr-3888	354	20	rates	rate	NOUN
fsr-3888	354	21	are	be	AUX
fsr-3888	354	22	significantly	significantly	ADV
fsr-3888	354	23	different	different	ADJ
fsr-3888	354	24	across	across	ADP
fsr-3888	354	25	races	race	NOUN
fsr-3888	354	26	.	.	PUNCT
fsr-3888	355	1	145y.a	145y.a	X
fsr-3888	355	2	.	.	PUNCT
fsr-3888	356	1	badu	badu	VERB
fsr-3888	356	2	et	et	PROPN
fsr-3888	356	3	al	al	PROPN
fsr-3888	356	4	.	.	PUNCT
fsr-3888	356	5	/	/	SYM
fsr-3888	356	6	financial	financial	ADJ
fsr-3888	356	7	services	service	NOUN
fsr-3888	356	8	review	review	VERB
fsr-3888	356	9	8	8	NUM
fsr-3888	356	10	(	(	PUNCT
fsr-3888	356	11	1999	1999	NUM
fsr-3888	356	12	)	)	PUNCT
fsr-3888	356	13	129–147	129–147	NUM
fsr-3888	356	14	by	by	ADP
fsr-3888	356	15	blacks	black	NOUN
fsr-3888	356	16	seem	seem	VERB
fsr-3888	356	17	to	to	PART
fsr-3888	356	18	think	think	VERB
fsr-3888	356	19	that	that	SCONJ
fsr-3888	356	20	credit	credit	NOUN
fsr-3888	356	21	is	be	AUX
fsr-3888	356	22	a	a	DET
fsr-3888	356	23	good	good	ADJ
fsr-3888	356	24	idea	idea	NOUN
fsr-3888	356	25	,	,	PUNCT
fsr-3888	356	26	that	that	ADV
fsr-3888	356	27	is	is	ADV
fsr-3888	356	28	,	,	PUNCT
fsr-3888	356	29	a	a	DET
fsr-3888	356	30	good	good	ADJ
fsr-3888	356	31	way	way	NOUN
fsr-3888	356	32	to	to	PART
fsr-3888	356	33	finance	finance	VERB
fsr-3888	356	34	assets	asset	NOUN
fsr-3888	356	35	.	.	PUNCT
fsr-3888	357	1	further	far	ADV
fsr-3888	357	2	,	,	PUNCT
fsr-3888	357	3	significantly	significantly	ADV
fsr-3888	357	4	more	more	ADJ
fsr-3888	357	5	households	household	NOUN
fsr-3888	357	6	headed	head	VERB
fsr-3888	357	7	by	by	ADP
fsr-3888	357	8	blacks	black	NOUN
fsr-3888	357	9	have	have	AUX
fsr-3888	357	10	been	be	AUX
fsr-3888	357	11	either	either	CCONJ
fsr-3888	357	12	turned	turn	VERB
fsr-3888	357	13	down	down	ADP
fsr-3888	357	14	for	for	ADP
fsr-3888	357	15	a	a	DET
fsr-3888	357	16	loan	loan	NOUN
fsr-3888	357	17	or	or	CCONJ
fsr-3888	357	18	did	do	AUX
fsr-3888	357	19	not	not	PART
fsr-3888	357	20	receive	receive	VERB
fsr-3888	357	21	as	as	ADV
fsr-3888	357	22	much	much	ADJ
fsr-3888	357	23	as	as	SCONJ
fsr-3888	357	24	was	be	AUX
fsr-3888	357	25	asked	ask	VERB
fsr-3888	357	26	for	for	ADP
fsr-3888	357	27	in	in	ADP
fsr-3888	357	28	a	a	DET
fsr-3888	357	29	loan	loan	NOUN
fsr-3888	357	30	application	application	NOUN
fsr-3888	357	31	.	.	PUNCT
fsr-3888	358	1	finally	finally	ADV
fsr-3888	358	2	,	,	PUNCT
fsr-3888	358	3	black	black	ADJ
fsr-3888	358	4	households	household	NOUN
fsr-3888	358	5	self	self	NOUN
fsr-3888	358	6	-	-	PUNCT
fsr-3888	358	7	identify	identify	VERB
fsr-3888	358	8	as	as	ADP
fsr-3888	358	9	conducting	conduct	VERB
fsr-3888	358	10	significantly	significantly	ADV
fsr-3888	358	11	more	more	ADV
fsr-3888	358	12	thorough	thorough	ADJ
fsr-3888	358	13	searches	search	NOUN
fsr-3888	358	14	for	for	ADP
fsr-3888	358	15	the	the	DET
fsr-3888	358	16	best	good	ADJ
fsr-3888	358	17	rate	rate	NOUN
fsr-3888	358	18	available	available	ADJ
fsr-3888	358	19	.	.	PUNCT
fsr-3888	359	1	to	to	PART
fsr-3888	359	2	summarize	summarize	VERB
fsr-3888	359	3	,	,	PUNCT
fsr-3888	359	4	black	black	ADJ
fsr-3888	359	5	households	household	NOUN
fsr-3888	359	6	have	have	VERB
fsr-3888	359	7	a	a	DET
fsr-3888	359	8	more	more	ADV
fsr-3888	359	9	favorable	favorable	ADJ
fsr-3888	359	10	attitude	attitude	NOUN
fsr-3888	359	11	toward	toward	ADP
fsr-3888	359	12	credit	credit	NOUN
fsr-3888	359	13	as	as	ADP
fsr-3888	359	14	a	a	DET
fsr-3888	359	15	means	means	NOUN
fsr-3888	359	16	of	of	ADP
fsr-3888	359	17	financing	finance	VERB
fsr-3888	359	18	assets	asset	NOUN
fsr-3888	359	19	.	.	PUNCT
fsr-3888	360	1	these	these	DET
fsr-3888	360	2	households	household	NOUN
fsr-3888	360	3	’	'	PUNCT
fsr-3888	360	4	requests	request	NOUN
fsr-3888	360	5	for	for	ADP
fsr-3888	360	6	credit	credit	NOUN
fsr-3888	360	7	are	be	AUX
fsr-3888	360	8	turned	turn	VERB
fsr-3888	360	9	down	down	ADP
fsr-3888	360	10	or	or	CCONJ
fsr-3888	360	11	not	not	PART
fsr-3888	360	12	fully	fully	ADV
fsr-3888	360	13	met	meet	VERB
fsr-3888	360	14	by	by	ADP
fsr-3888	360	15	the	the	DET
fsr-3888	360	16	market	market	NOUN
fsr-3888	360	17	more	more	ADV
fsr-3888	360	18	often	often	ADV
fsr-3888	360	19	than	than	ADP
fsr-3888	360	20	for	for	ADP
fsr-3888	360	21	white	white	ADJ
fsr-3888	360	22	households	household	NOUN
fsr-3888	360	23	and	and	CCONJ
fsr-3888	360	24	,	,	PUNCT
fsr-3888	360	25	in	in	ADP
fsr-3888	360	26	several	several	ADJ
fsr-3888	360	27	classes	class	NOUN
fsr-3888	360	28	of	of	ADP
fsr-3888	360	29	important	important	ADJ
fsr-3888	360	30	loan	loan	NOUN
fsr-3888	360	31	types	type	NOUN
fsr-3888	360	32	,	,	PUNCT
fsr-3888	360	33	black	black	ADJ
fsr-3888	360	34	households	household	NOUN
fsr-3888	360	35	pay	pay	VERB
fsr-3888	360	36	a	a	DET
fsr-3888	360	37	significantly	significantly	ADV
fsr-3888	360	38	higher	high	ADJ
fsr-3888	360	39	rate	rate	NOUN
fsr-3888	360	40	.	.	PUNCT
fsr-3888	361	1	all	all	PRON
fsr-3888	361	2	of	of	ADP
fsr-3888	361	3	this	this	PRON
fsr-3888	361	4	despite	despite	SCONJ
fsr-3888	361	5	the	the	DET
fsr-3888	361	6	fact	fact	NOUN
fsr-3888	361	7	that	that	SCONJ
fsr-3888	361	8	households	household	NOUN
fsr-3888	361	9	headed	head	VERB
fsr-3888	361	10	by	by	ADP
fsr-3888	361	11	blacks	black	NOUN
fsr-3888	361	12	say	say	VERB
fsr-3888	361	13	they	they	PRON
fsr-3888	361	14	conduct	conduct	VERB
fsr-3888	361	15	extensive	extensive	ADJ
fsr-3888	361	16	market	market	NOUN
fsr-3888	361	17	searches	search	NOUN
fsr-3888	361	18	for	for	ADP
fsr-3888	361	19	the	the	DET
fsr-3888	361	20	best	good	ADJ
fsr-3888	361	21	rates	rate	NOUN
fsr-3888	361	22	.	.	PUNCT
fsr-3888	362	1	5	5	X
fsr-3888	362	2	.	.	X
fsr-3888	362	3	conclusion	conclusion	NOUN
fsr-3888	362	4	the	the	DET
fsr-3888	362	5	evidence	evidence	NOUN
fsr-3888	362	6	presented	present	VERB
fsr-3888	362	7	indicates	indicate	VERB
fsr-3888	362	8	that	that	SCONJ
fsr-3888	362	9	there	there	PRON
fsr-3888	362	10	is	be	VERB
fsr-3888	362	11	a	a	DET
fsr-3888	362	12	significant	significant	ADJ
fsr-3888	362	13	difference	difference	NOUN
fsr-3888	362	14	in	in	ADP
fsr-3888	362	15	the	the	DET
fsr-3888	362	16	net	net	ADJ
fsr-3888	362	17	worth	worth	NOUN
fsr-3888	362	18	of	of	ADP
fsr-3888	362	19	households	household	NOUN
fsr-3888	362	20	headed	head	VERB
fsr-3888	362	21	by	by	ADP
fsr-3888	362	22	those	those	PRON
fsr-3888	362	23	who	who	PRON
fsr-3888	362	24	identify	identify	VERB
fsr-3888	362	25	themselves	themselves	PRON
fsr-3888	362	26	as	as	ADP
fsr-3888	362	27	white	white	ADJ
fsr-3888	362	28	and	and	CCONJ
fsr-3888	362	29	black	black	ADJ
fsr-3888	362	30	.	.	PUNCT
fsr-3888	363	1	we	we	PRON
fsr-3888	363	2	are	be	AUX
fsr-3888	363	3	unable	unable	ADJ
fsr-3888	363	4	to	to	PART
fsr-3888	363	5	show	show	VERB
fsr-3888	363	6	that	that	SCONJ
fsr-3888	363	7	the	the	DET
fsr-3888	363	8	net	net	ADJ
fsr-3888	363	9	worth	worth	NOUN
fsr-3888	363	10	of	of	ADP
fsr-3888	363	11	black	black	ADJ
fsr-3888	363	12	households	household	NOUN
fsr-3888	363	13	is	be	AUX
fsr-3888	363	14	constrained	constrain	VERB
fsr-3888	363	15	by	by	ADP
fsr-3888	363	16	barriers	barrier	NOUN
fsr-3888	363	17	in	in	ADP
fsr-3888	363	18	the	the	DET
fsr-3888	363	19	financial	financial	ADJ
fsr-3888	363	20	markets	market	NOUN
fsr-3888	363	21	,	,	PUNCT
fsr-3888	363	22	although	although	SCONJ
fsr-3888	363	23	we	we	PRON
fsr-3888	363	24	find	find	VERB
fsr-3888	363	25	that	that	SCONJ
fsr-3888	363	26	black	black	ADJ
fsr-3888	363	27	households	household	NOUN
fsr-3888	363	28	typically	typically	ADV
fsr-3888	363	29	pay	pay	VERB
fsr-3888	363	30	higher	high	ADJ
fsr-3888	363	31	rates	rate	NOUN
fsr-3888	363	32	for	for	ADP
fsr-3888	363	33	several	several	ADJ
fsr-3888	363	34	important	important	ADJ
fsr-3888	363	35	types	type	NOUN
fsr-3888	363	36	of	of	ADP
fsr-3888	363	37	credit	credit	NOUN
fsr-3888	363	38	instruments	instrument	NOUN
fsr-3888	363	39	and	and	CCONJ
fsr-3888	363	40	these	these	DET
fsr-3888	363	41	higher	high	ADJ
fsr-3888	363	42	rates	rate	NOUN
fsr-3888	363	43	are	be	AUX
fsr-3888	363	44	obtained	obtain	VERB
fsr-3888	363	45	even	even	ADV
fsr-3888	363	46	though	though	SCONJ
fsr-3888	363	47	the	the	DET
fsr-3888	363	48	black	black	ADJ
fsr-3888	363	49	households	household	NOUN
fsr-3888	363	50	self	self	NOUN
fsr-3888	363	51	-	-	PUNCT
fsr-3888	363	52	identify	identify	VERB
fsr-3888	363	53	that	that	SCONJ
fsr-3888	363	54	they	they	PRON
fsr-3888	363	55	conduct	conduct	VERB
fsr-3888	363	56	extensive	extensive	ADJ
fsr-3888	363	57	searches	search	NOUN
fsr-3888	363	58	in	in	ADP
fsr-3888	363	59	the	the	DET
fsr-3888	363	60	markets	market	NOUN
fsr-3888	363	61	for	for	ADP
fsr-3888	363	62	the	the	DET
fsr-3888	363	63	best	good	ADJ
fsr-3888	363	64	rate	rate	NOUN
fsr-3888	363	65	available	available	ADJ
fsr-3888	363	66	.	.	PUNCT
fsr-3888	364	1	further	far	ADV
fsr-3888	364	2	,	,	PUNCT
fsr-3888	364	3	we	we	PRON
fsr-3888	364	4	find	find	VERB
fsr-3888	364	5	that	that	SCONJ
fsr-3888	364	6	white	white	ADJ
fsr-3888	364	7	and	and	CCONJ
fsr-3888	364	8	black	black	ADJ
fsr-3888	364	9	households	household	NOUN
fsr-3888	364	10	hold	hold	VERB
fsr-3888	364	11	different	different	ADJ
fsr-3888	364	12	asset	asset	NOUN
fsr-3888	364	13	and	and	CCONJ
fsr-3888	364	14	liability	liability	NOUN
fsr-3888	364	15	combinations	combination	NOUN
fsr-3888	364	16	in	in	ADP
fsr-3888	364	17	their	their	PRON
fsr-3888	364	18	portfolios	portfolio	NOUN
fsr-3888	364	19	and	and	CCONJ
fsr-3888	364	20	determine	determine	VERB
fsr-3888	364	21	that	that	PRON
fsr-3888	364	22	black	black	ADJ
fsr-3888	364	23	households	household	NOUN
fsr-3888	364	24	are	be	AUX
fsr-3888	364	25	significantly	significantly	ADV
fsr-3888	364	26	more	more	ADJ
fsr-3888	364	27	risk	risk	NOUN
fsr-3888	364	28	averse	averse	ADJ
fsr-3888	364	29	(	(	PUNCT
fsr-3888	364	30	less	less	ADJ
fsr-3888	364	31	risk	risk	NOUN
fsr-3888	364	32	tolerant	tolerant	ADJ
fsr-3888	364	33	)	)	PUNCT
fsr-3888	364	34	in	in	ADP
fsr-3888	364	35	their	their	PRON
fsr-3888	364	36	choice	choice	NOUN
fsr-3888	364	37	of	of	ADP
fsr-3888	364	38	assets	asset	NOUN
fsr-3888	364	39	.	.	PUNCT
fsr-3888	365	1	we	we	PRON
fsr-3888	365	2	think	think	VERB
fsr-3888	365	3	there	there	PRON
fsr-3888	365	4	are	be	VERB
fsr-3888	365	5	some	some	DET
fsr-3888	365	6	alarming	alarming	ADJ
fsr-3888	365	7	potential	potential	ADJ
fsr-3888	365	8	patterns	pattern	NOUN
fsr-3888	365	9	.	.	PUNCT
fsr-3888	366	1	one	one	NUM
fsr-3888	366	2	disconcerting	disconcert	VERB
fsr-3888	366	3	finding	finding	NOUN
fsr-3888	366	4	in	in	ADP
fsr-3888	366	5	our	our	PRON
fsr-3888	366	6	results	result	NOUN
fsr-3888	366	7	is	be	AUX
fsr-3888	366	8	the	the	DET
fsr-3888	366	9	heavy	heavy	ADJ
fsr-3888	366	10	reliance	reliance	NOUN
fsr-3888	366	11	on	on	ADP
fsr-3888	366	12	credit	credit	NOUN
fsr-3888	366	13	cards	card	NOUN
fsr-3888	366	14	by	by	ADP
fsr-3888	366	15	the	the	DET
fsr-3888	366	16	under-35	under-35	PROPN
fsr-3888	366	17	black	black	ADJ
fsr-3888	366	18	households	household	NOUN
fsr-3888	366	19	.	.	PUNCT
fsr-3888	367	1	the	the	DET
fsr-3888	367	2	higher	high	ADJ
fsr-3888	367	3	cost	cost	NOUN
fsr-3888	367	4	of	of	ADP
fsr-3888	367	5	credit	credit	NOUN
fsr-3888	367	6	cards	card	NOUN
fsr-3888	367	7	,	,	PUNCT
fsr-3888	367	8	coupled	couple	VERB
fsr-3888	367	9	with	with	ADP
fsr-3888	367	10	the	the	DET
fsr-3888	367	11	tendency	tendency	NOUN
fsr-3888	367	12	for	for	SCONJ
fsr-3888	367	13	most	most	ADJ
fsr-3888	367	14	credit	credit	NOUN
fsr-3888	367	15	card	card	NOUN
fsr-3888	367	16	balances	balance	NOUN
fsr-3888	367	17	to	to	PART
fsr-3888	367	18	linger	linger	VERB
fsr-3888	367	19	as	as	ADP
fsr-3888	367	20	revolving	revolve	VERB
fsr-3888	367	21	balances	balance	NOUN
fsr-3888	367	22	,	,	PUNCT
fsr-3888	367	23	almost	almost	ADV
fsr-3888	367	24	certainly	certainly	ADV
fsr-3888	367	25	adversely	adversely	ADV
fsr-3888	367	26	affects	affect	VERB
fsr-3888	367	27	future	future	ADJ
fsr-3888	367	28	net	net	ADJ
fsr-3888	367	29	worth	worth	NOUN
fsr-3888	367	30	of	of	ADP
fsr-3888	367	31	these	these	DET
fsr-3888	367	32	households	household	NOUN
fsr-3888	367	33	.	.	PUNCT
fsr-3888	368	1	on	on	ADP
fsr-3888	368	2	average	average	ADJ
fsr-3888	368	3	black	black	ADJ
fsr-3888	368	4	and	and	CCONJ
fsr-3888	368	5	white	white	ADJ
fsr-3888	368	6	households	household	NOUN
fsr-3888	368	7	have	have	VERB
fsr-3888	368	8	a	a	DET
fsr-3888	368	9	heavy	heavy	ADJ
fsr-3888	368	10	reliance	reliance	NOUN
fsr-3888	368	11	on	on	ADP
fsr-3888	368	12	credit	credit	NOUN
fsr-3888	368	13	cards	card	NOUN
fsr-3888	368	14	and	and	CCONJ
fsr-3888	368	15	public	public	ADJ
fsr-3888	368	16	policy	policy	NOUN
fsr-3888	368	17	should	should	AUX
fsr-3888	368	18	persuade	persuade	VERB
fsr-3888	368	19	credit	credit	NOUN
fsr-3888	368	20	card	card	NOUN
fsr-3888	368	21	companies	company	NOUN
fsr-3888	368	22	to	to	PART
fsr-3888	368	23	reveal	reveal	VERB
fsr-3888	368	24	the	the	DET
fsr-3888	368	25	necessary	necessary	ADJ
fsr-3888	368	26	monthly	monthly	ADJ
fsr-3888	368	27	payment	payment	NOUN
fsr-3888	368	28	needed	need	VERB
fsr-3888	368	29	to	to	PART
fsr-3888	368	30	pay	pay	VERB
fsr-3888	368	31	the	the	DET
fsr-3888	368	32	average	average	ADJ
fsr-3888	368	33	outstanding	outstanding	ADJ
fsr-3888	368	34	credit	credit	NOUN
fsr-3888	368	35	card	card	NOUN
fsr-3888	368	36	balance	balance	NOUN
fsr-3888	368	37	off	off	ADP
fsr-3888	368	38	over	over	ADP
fsr-3888	368	39	a	a	DET
fsr-3888	368	40	responsible	responsible	ADJ
fsr-3888	368	41	time	time	NOUN
fsr-3888	368	42	period	period	NOUN
fsr-3888	368	43	.	.	PUNCT
fsr-3888	369	1	another	another	DET
fsr-3888	369	2	distressing	distressing	ADJ
fsr-3888	369	3	finding	finding	NOUN
fsr-3888	369	4	is	be	AUX
fsr-3888	369	5	the	the	DET
fsr-3888	369	6	insignificant	insignificant	ADJ
fsr-3888	369	7	net	net	ADJ
fsr-3888	369	8	worth	worth	NOUN
fsr-3888	369	9	of	of	ADP
fsr-3888	369	10	black	black	ADJ
fsr-3888	369	11	households	household	NOUN
fsr-3888	369	12	on	on	ADP
fsr-3888	369	13	average	average	ADJ
fsr-3888	369	14	.	.	PUNCT
fsr-3888	370	1	when	when	SCONJ
fsr-3888	370	2	this	this	DET
fsr-3888	370	3	outcome	outcome	NOUN
fsr-3888	370	4	is	be	AUX
fsr-3888	370	5	coupled	couple	VERB
fsr-3888	370	6	with	with	ADP
fsr-3888	370	7	the	the	DET
fsr-3888	370	8	conservative	conservative	ADJ
fsr-3888	370	9	risk	risk	NOUN
fsr-3888	370	10	tolerance	tolerance	NOUN
fsr-3888	370	11	behavior	behavior	NOUN
fsr-3888	370	12	of	of	ADP
fsr-3888	370	13	black	black	ADJ
fsr-3888	370	14	households	household	NOUN
fsr-3888	370	15	and	and	CCONJ
fsr-3888	370	16	the	the	DET
fsr-3888	370	17	unhealthy	unhealthy	ADJ
fsr-3888	370	18	balance	balance	NOUN
fsr-3888	370	19	sheet	sheet	NOUN
fsr-3888	370	20	structure	structure	NOUN
fsr-3888	370	21	of	of	ADP
fsr-3888	370	22	younger	young	ADJ
fsr-3888	370	23	black	black	ADJ
fsr-3888	370	24	households	household	NOUN
fsr-3888	370	25	,	,	PUNCT
fsr-3888	370	26	we	we	PRON
fsr-3888	370	27	question	question	VERB
fsr-3888	370	28	whether	whether	SCONJ
fsr-3888	370	29	black	black	ADJ
fsr-3888	370	30	households	household	NOUN
fsr-3888	370	31	,	,	PUNCT
fsr-3888	370	32	on	on	ADP
fsr-3888	370	33	average	average	ADJ
fsr-3888	370	34	,	,	PUNCT
fsr-3888	370	35	will	will	AUX
fsr-3888	370	36	be	be	AUX
fsr-3888	370	37	able	able	ADJ
fsr-3888	370	38	to	to	PART
fsr-3888	370	39	‘	'	PUNCT
fsr-3888	370	40	catch	catch	VERB
fsr-3888	370	41	up	up	ADP
fsr-3888	370	42	’	'	PUNCT
fsr-3888	370	43	to	to	ADP
fsr-3888	370	44	the	the	DET
fsr-3888	370	45	net	net	ADJ
fsr-3888	370	46	worth	worth	NOUN
fsr-3888	370	47	of	of	ADP
fsr-3888	370	48	white	white	ADJ
fsr-3888	370	49	households	household	NOUN
fsr-3888	370	50	.	.	PUNCT
fsr-3888	371	1	it	it	PRON
fsr-3888	371	2	is	be	AUX
fsr-3888	371	3	not	not	PART
fsr-3888	371	4	our	our	PRON
fsr-3888	371	5	position	position	NOUN
fsr-3888	371	6	that	that	SCONJ
fsr-3888	371	7	public	public	ADJ
fsr-3888	371	8	policy	policy	NOUN
fsr-3888	371	9	should	should	AUX
fsr-3888	371	10	have	have	AUX
fsr-3888	371	11	equivalent	equivalent	ADJ
fsr-3888	371	12	net	net	ADJ
fsr-3888	371	13	worth	worth	NOUN
fsr-3888	371	14	between	between	ADP
fsr-3888	371	15	the	the	DET
fsr-3888	371	16	races	race	NOUN
fsr-3888	371	17	as	as	ADP
fsr-3888	371	18	a	a	DET
fsr-3888	371	19	goal	goal	NOUN
fsr-3888	371	20	.	.	PUNCT
fsr-3888	372	1	however	however	ADV
fsr-3888	372	2	,	,	PUNCT
fsr-3888	372	3	public	public	ADJ
fsr-3888	372	4	policy	policy	NOUN
fsr-3888	372	5	and	and	CCONJ
fsr-3888	372	6	future	future	ADJ
fsr-3888	372	7	research	research	NOUN
fsr-3888	372	8	should	should	AUX
fsr-3888	372	9	address	address	VERB
fsr-3888	372	10	the	the	DET
fsr-3888	372	11	usage	usage	NOUN
fsr-3888	372	12	of	of	ADP
fsr-3888	372	13	the	the	DET
fsr-3888	372	14	financial	financial	ADJ
fsr-3888	372	15	system	system	NOUN
fsr-3888	372	16	as	as	ADP
fsr-3888	372	17	a	a	DET
fsr-3888	372	18	means	means	NOUN
fsr-3888	372	19	of	of	ADP
fsr-3888	372	20	wealth	wealth	NOUN
fsr-3888	372	21	creation	creation	NOUN
fsr-3888	372	22	.	.	PUNCT
fsr-3888	373	1	additionally	additionally	ADV
fsr-3888	373	2	,	,	PUNCT
fsr-3888	373	3	the	the	DET
fsr-3888	373	4	impact	impact	NOUN
fsr-3888	373	5	of	of	ADP
fsr-3888	373	6	intergenerational	intergenerational	ADJ
fsr-3888	373	7	transfers	transfer	NOUN
fsr-3888	373	8	of	of	ADP
fsr-3888	373	9	wealth	wealth	NOUN
fsr-3888	373	10	on	on	ADP
fsr-3888	373	11	the	the	DET
fsr-3888	373	12	risk	risk	NOUN
fsr-3888	373	13	tolerance	tolerance	NOUN
fsr-3888	373	14	behavior	behavior	NOUN
fsr-3888	373	15	of	of	ADP
fsr-3888	373	16	households	household	NOUN
fsr-3888	373	17	is	be	AUX
fsr-3888	373	18	another	another	DET
fsr-3888	373	19	important	important	ADJ
fsr-3888	373	20	area	area	NOUN
fsr-3888	373	21	of	of	ADP
fsr-3888	373	22	study	study	NOUN
fsr-3888	373	23	.	.	PUNCT
fsr-3888	374	1	acknowledgment	acknowledgment	NOUN
fsr-3888	374	2	the	the	DET
fsr-3888	374	3	authors	author	NOUN
fsr-3888	374	4	thank	thank	VERB
fsr-3888	374	5	the	the	DET
fsr-3888	374	6	editor	editor	NOUN
fsr-3888	374	7	and	and	CCONJ
fsr-3888	374	8	the	the	DET
fsr-3888	374	9	anonymous	anonymous	ADJ
fsr-3888	374	10	referees	referee	NOUN
fsr-3888	374	11	for	for	ADP
fsr-3888	374	12	their	their	PRON
fsr-3888	374	13	helpful	helpful	ADJ
fsr-3888	374	14	comments	comment	NOUN
fsr-3888	374	15	.	.	PUNCT
fsr-3888	375	1	this	this	DET
fsr-3888	375	2	paper	paper	NOUN
fsr-3888	375	3	has	have	AUX
fsr-3888	375	4	also	also	ADV
fsr-3888	375	5	benefited	benefit	VERB
fsr-3888	375	6	from	from	ADP
fsr-3888	375	7	the	the	DET
fsr-3888	375	8	discussions	discussion	NOUN
fsr-3888	375	9	of	of	ADP
fsr-3888	375	10	colleagues	colleague	NOUN
fsr-3888	375	11	at	at	ADP
fsr-3888	375	12	the	the	DET
fsr-3888	375	13	finance	finance	NOUN
fsr-3888	375	14	department	department	NOUN
fsr-3888	375	15	seminar	seminar	NOUN
fsr-3888	375	16	146	146	NUM
fsr-3888	376	1	y.a	y.a	PROPN
fsr-3888	376	2	.	.	PROPN
fsr-3888	376	3	badu	badu	PROPN
fsr-3888	376	4	et	et	PROPN
fsr-3888	376	5	al	al	PROPN
fsr-3888	376	6	.	.	PUNCT
fsr-3888	376	7	/	/	SYM
fsr-3888	376	8	financial	financial	ADJ
fsr-3888	376	9	services	service	NOUN
fsr-3888	376	10	review	review	VERB
fsr-3888	376	11	8	8	NUM
fsr-3888	376	12	(	(	PUNCT
fsr-3888	376	13	1999	1999	NUM
fsr-3888	376	14	)	)	PUNCT
fsr-3888	376	15	129–147	129–147	NUM
fsr-3888	376	16	series	series	NOUN
fsr-3888	376	17	at	at	ADP
fsr-3888	376	18	virginia	virginia	PROPN
fsr-3888	376	19	commonwealth	commonwealth	PROPN
fsr-3888	376	20	university	university	PROPN
fsr-3888	376	21	,	,	PUNCT
fsr-3888	376	22	especially	especially	ADV
fsr-3888	376	23	david	david	PROPN
fsr-3888	376	24	dubofsky	dubofsky	PROPN
fsr-3888	376	25	and	and	CCONJ
fsr-3888	376	26	gabriel	gabriel	PROPN
fsr-3888	376	27	rameriz	rameriz	PROPN
fsr-3888	376	28	,	,	PUNCT
fsr-3888	376	29	and	and	CCONJ
fsr-3888	376	30	a	a	DET
fsr-3888	376	31	discussion	discussion	NOUN
fsr-3888	376	32	with	with	ADP
fsr-3888	376	33	james	james	PROPN
fsr-3888	376	34	t.	t.	PROPN
fsr-3888	376	35	lindley	lindley	PROPN
fsr-3888	376	36	from	from	ADP
fsr-3888	376	37	the	the	DET
fsr-3888	376	38	university	university	PROPN
fsr-3888	376	39	of	of	ADP
fsr-3888	376	40	southern	southern	PROPN
fsr-3888	376	41	mississippi	mississippi	PROPN
fsr-3888	376	42	.	.	PUNCT
fsr-3888	377	1	the	the	DET
fsr-3888	377	2	authors	author	NOUN
fsr-3888	377	3	remain	remain	VERB
fsr-3888	377	4	solely	solely	ADV
fsr-3888	377	5	responsible	responsible	ADJ
fsr-3888	377	6	for	for	ADP
fsr-3888	377	7	all	all	DET
fsr-3888	377	8	content	content	NOUN
fsr-3888	377	9	.	.	PUNCT
fsr-3888	378	1	references	reference	NOUN
fsr-3888	378	2	adams	adams	PROPN
fsr-3888	378	3	,	,	PUNCT
fsr-3888	378	4	m.	m.	NOUN
fsr-3888	378	5	(	(	PUNCT
fsr-3888	378	6	1995	1995	NUM
fsr-3888	378	7	)	)	PUNCT
fsr-3888	378	8	.	.	PUNCT
fsr-3888	379	1	balance	balance	NOUN
fsr-3888	379	2	sheet	sheet	NOUN
fsr-3888	379	3	structure	structure	NOUN
fsr-3888	379	4	and	and	CCONJ
fsr-3888	379	5	the	the	DET
fsr-3888	379	6	managerial	managerial	ADJ
fsr-3888	379	7	-	-	PUNCT
fsr-3888	379	8	discretion	discretion	NOUN
fsr-3888	379	9	hypothesis	hypothesis	NOUN
fsr-3888	379	10	:	:	PUNCT
fsr-3888	379	11	an	an	DET
fsr-3888	379	12	exploratory	exploratory	ADJ
fsr-3888	379	13	empirical	empirical	ADJ
fsr-3888	379	14	study	study	NOUN
fsr-3888	379	15	of	of	ADP
fsr-3888	379	16	new	new	PROPN
fsr-3888	379	17	zealand	zealand	PROPN
fsr-3888	379	18	life	life	PROPN
fsr-3888	379	19	insurance	insurance	NOUN
fsr-3888	379	20	companies.journal	companies.journal	ADJ
fsr-3888	379	21	of	of	ADP
fsr-3888	379	22	accounting	accounting	NOUN
fsr-3888	379	23	and	and	CCONJ
fsr-3888	379	24	finance	finance	NOUN
fsr-3888	379	25	,	,	PUNCT
fsr-3888	379	26	35(1	35(1	NUM
fsr-3888	379	27	)	)	PUNCT
fsr-3888	379	28	,	,	PUNCT
fsr-3888	379	29	21–45	21–45	PROPN
fsr-3888	379	30	.	.	PUNCT
fsr-3888	379	31	ando	ando	PROPN
fsr-3888	379	32	,	,	PUNCT
fsr-3888	379	33	a.	a.	PROPN
fsr-3888	379	34	&	&	CCONJ
fsr-3888	379	35	modigliani	modigliani	PROPN
fsr-3888	379	36	,	,	PUNCT
fsr-3888	379	37	f.	f.	PROPN
fsr-3888	379	38	(	(	PUNCT
fsr-3888	379	39	1963	1963	NUM
fsr-3888	379	40	)	)	PUNCT
fsr-3888	379	41	.	.	PUNCT
fsr-3888	380	1	the	the	DET
fsr-3888	380	2	life	life	NOUN
fsr-3888	380	3	-	-	PUNCT
fsr-3888	380	4	cycle	cycle	NOUN
fsr-3888	380	5	hypothesis	hypothesis	NOUN
fsr-3888	380	6	of	of	ADP
fsr-3888	380	7	saving.american	saving.american	ADJ
fsr-3888	380	8	economic	economic	ADJ
fsr-3888	380	9	review	review	NOUN
fsr-3888	380	10	,	,	PUNCT
fsr-3888	380	11	53(1	53(1	NOUN
fsr-3888	380	12	)	)	PUNCT
fsr-3888	380	13	,	,	PUNCT
fsr-3888	380	14	55–74	55–74	NUM
fsr-3888	380	15	.	.	PUNCT
fsr-3888	380	16	bajtelsmit	bajtelsmit	NOUN
fsr-3888	380	17	,	,	PUNCT
fsr-3888	380	18	v.	v.	PROPN
fsr-3888	380	19	l.	l.	PROPN
fsr-3888	380	20	,	,	PUNCT
fsr-3888	380	21	bernasek	bernasek	PROPN
fsr-3888	380	22	,	,	PUNCT
fsr-3888	380	23	a.	a.	NOUN
fsr-3888	380	24	,	,	PUNCT
fsr-3888	380	25	&	&	CCONJ
fsr-3888	380	26	jianakoplos	jianakoplos	PROPN
fsr-3888	380	27	,	,	PUNCT
fsr-3888	380	28	n.	n.	PROPN
fsr-3888	380	29	a.	a.	PROPN
fsr-3888	381	1	(	(	PUNCT
fsr-3888	381	2	1999	1999	NUM
fsr-3888	381	3	)	)	PUNCT
fsr-3888	381	4	.	.	PUNCT
fsr-3888	382	1	gender	gender	NOUN
fsr-3888	382	2	differences	difference	NOUN
fsr-3888	382	3	in	in	ADP
fsr-3888	382	4	defined	define	VERB
fsr-3888	382	5	contribution	contribution	NOUN
fsr-3888	382	6	pension	pension	NOUN
fsr-3888	382	7	decisions.financial	decisions.financial	PROPN
fsr-3888	382	8	services	service	NOUN
fsr-3888	382	9	review	review	NOUN
fsr-3888	382	10	,	,	PUNCT
fsr-3888	382	11	8	8	NUM
fsr-3888	382	12	,	,	PUNCT
fsr-3888	382	13	1–10	1–10	NOUN
fsr-3888	382	14	.	.	PUNCT
fsr-3888	383	1	blau	blau	PROPN
fsr-3888	383	2	,	,	PUNCT
fsr-3888	383	3	f.	f.	PROPN
fsr-3888	383	4	d.	d.	PROPN
fsr-3888	383	5	&	&	CCONJ
fsr-3888	383	6	graham	graham	PROPN
fsr-3888	383	7	,	,	PUNCT
fsr-3888	383	8	j.	j.	PROPN
fsr-3888	383	9	w.	w.	PROPN
fsr-3888	383	10	(	(	PUNCT
fsr-3888	383	11	1990	1990	NUM
fsr-3888	383	12	)	)	PUNCT
fsr-3888	383	13	.	.	PUNCT
fsr-3888	384	1	black	black	ADJ
fsr-3888	384	2	-	-	PUNCT
fsr-3888	384	3	white	white	ADJ
fsr-3888	384	4	differences	difference	NOUN
fsr-3888	384	5	in	in	ADP
fsr-3888	384	6	wealth	wealth	NOUN
fsr-3888	384	7	and	and	CCONJ
fsr-3888	384	8	asset	asset	NOUN
fsr-3888	384	9	composition.the	composition.the	DET
fsr-3888	384	10	quarterly	quarterly	ADJ
fsr-3888	384	11	journal	journal	NOUN
fsr-3888	384	12	of	of	ADP
fsr-3888	384	13	economics	economic	NOUN
fsr-3888	384	14	,	,	PUNCT
fsr-3888	384	15	105(2	105(2	NUM
fsr-3888	384	16	)	)	PUNCT
fsr-3888	384	17	,	,	PUNCT
fsr-3888	384	18	321–339	321–339	NUM
fsr-3888	384	19	.	.	PUNCT
fsr-3888	384	20	brimmer	brimmer	NOUN
fsr-3888	384	21	,	,	PUNCT
fsr-3888	384	22	a.	a.	NOUN
fsr-3888	384	23	(	(	PUNCT
fsr-3888	384	24	1991	1991	NUM
fsr-3888	384	25	)	)	PUNCT
fsr-3888	384	26	.	.	PUNCT
fsr-3888	385	1	building	build	VERB
fsr-3888	385	2	wealth	wealth	NOUN
fsr-3888	385	3	and	and	CCONJ
fsr-3888	385	4	assets.black	assets.black	NOUN
fsr-3888	385	5	enterprise	enterprise	NOUN
fsr-3888	385	6	,	,	PUNCT
fsr-3888	385	7	12(12	12(12	NUM
fsr-3888	385	8	)	)	PUNCT
fsr-3888	385	9	,	,	PUNCT
fsr-3888	385	10	31–32	31–32	NUM
fsr-3888	385	11	.	.	PUNCT
fsr-3888	386	1	browne	browne	PROPN
fsr-3888	386	2	,	,	PUNCT
fsr-3888	386	3	r.	r.	PROPN
fsr-3888	386	4	s.	s.	PROPN
fsr-3888	386	5	(	(	PUNCT
fsr-3888	386	6	1993	1993	NUM
fsr-3888	386	7	)	)	PUNCT
fsr-3888	386	8	.	.	PUNCT
fsr-3888	387	1	wealth	wealth	NOUN
fsr-3888	387	2	distribution	distribution	NOUN
fsr-3888	387	3	and	and	CCONJ
fsr-3888	387	4	its	its	PRON
fsr-3888	387	5	impact	impact	NOUN
fsr-3888	387	6	on	on	ADP
fsr-3888	387	7	minorities.the	minorities.the	DET
fsr-3888	387	8	review	review	NOUN
fsr-3888	387	9	of	of	ADP
fsr-3888	387	10	black	black	ADJ
fsr-3888	387	11	political	political	ADJ
fsr-3888	387	12	economy	economy	NOUN
fsr-3888	387	13	,	,	PUNCT
fsr-3888	387	14	21(3	21(3	NUM
fsr-3888	387	15	)	)	PUNCT
fsr-3888	387	16	,	,	PUNCT
fsr-3888	387	17	111–120	111–120	NUM
fsr-3888	387	18	.	.	PUNCT
fsr-3888	388	1	friend	friend	NOUN
fsr-3888	388	2	,	,	PUNCT
fsr-3888	388	3	i.	i.	PROPN
fsr-3888	388	4	&	&	CCONJ
fsr-3888	388	5	blume	blume	PROPN
fsr-3888	388	6	m.	m.	PROPN
fsr-3888	388	7	e.	e.	PROPN
fsr-3888	388	8	(	(	PUNCT
fsr-3888	388	9	1975	1975	NUM
fsr-3888	388	10	)	)	PUNCT
fsr-3888	388	11	.	.	PUNCT
fsr-3888	389	1	the	the	DET
fsr-3888	389	2	demand	demand	NOUN
fsr-3888	389	3	for	for	ADP
fsr-3888	389	4	risky	risky	ADJ
fsr-3888	389	5	assets.the	assets.the	DET
fsr-3888	389	6	american	american	PROPN
fsr-3888	389	7	economic	economic	PROPN
fsr-3888	389	8	review	review	PROPN
fsr-3888	389	9	,	,	PUNCT
fsr-3888	389	10	65(5	65(5	NUM
fsr-3888	389	11	)	)	PUNCT
fsr-3888	389	12	,	,	PUNCT
fsr-3888	389	13	900–922	900–922	NUM
fsr-3888	389	14	.	.	PUNCT
fsr-3888	389	15	gutter	gutter	NOUN
fsr-3888	389	16	,	,	PUNCT
fsr-3888	389	17	m.	m.	NOUN
fsr-3888	389	18	s.	s.	PROPN
fsr-3888	389	19	,	,	PUNCT
fsr-3888	389	20	fox	fox	PROPN
fsr-3888	389	21	,	,	PUNCT
fsr-3888	389	22	j.	j.	PROPN
fsr-3888	389	23	j.	j.	PROPN
fsr-3888	389	24	&	&	CCONJ
fsr-3888	389	25	montalto	montalto	PROPN
fsr-3888	389	26	c.	c.	PROPN
fsr-3888	389	27	p.	p.	PROPN
fsr-3888	389	28	(	(	PUNCT
fsr-3888	389	29	2000	2000	NUM
fsr-3888	389	30	)	)	PUNCT
fsr-3888	389	31	.	.	PUNCT
fsr-3888	390	1	racial	racial	ADJ
fsr-3888	390	2	differences	difference	NOUN
fsr-3888	390	3	in	in	ADP
fsr-3888	390	4	investor	investor	NOUN
fsr-3888	390	5	decision	decision	NOUN
fsr-3888	390	6	making.financial	making.financial	PROPN
fsr-3888	390	7	services	service	NOUN
fsr-3888	390	8	review	review	NOUN
fsr-3888	390	9	,	,	PUNCT
fsr-3888	390	10	8,149–162	8,149–162	NUM
fsr-3888	390	11	.	.	PUNCT
fsr-3888	391	1	haliassos	haliassos	PROPN
fsr-3888	391	2	,	,	PUNCT
fsr-3888	391	3	m.	m.	NOUN
fsr-3888	391	4	&	&	CCONJ
fsr-3888	391	5	bertaut	bertaut	PROPN
fsr-3888	391	6	,	,	PUNCT
fsr-3888	391	7	c.	c.	PROPN
fsr-3888	391	8	c.	c.	PROPN
fsr-3888	391	9	(	(	PUNCT
fsr-3888	391	10	1995	1995	NUM
fsr-3888	391	11	)	)	PUNCT
fsr-3888	391	12	.	.	PUNCT
fsr-3888	392	1	why	why	SCONJ
fsr-3888	392	2	do	do	AUX
fsr-3888	392	3	so	so	ADV
fsr-3888	392	4	few	few	ADJ
fsr-3888	392	5	hold	hold	VERB
fsr-3888	392	6	stocks?the	stocks?the	DET
fsr-3888	392	7	economic	economic	ADJ
fsr-3888	392	8	journal	journal	NOUN
fsr-3888	392	9	,	,	PUNCT
fsr-3888	392	10	105(september	105(september	NUM
fsr-3888	392	11	)	)	PUNCT
fsr-3888	392	12	,	,	PUNCT
fsr-3888	392	13	1110–1129	1110–1129	NUM
fsr-3888	392	14	.	.	PUNCT
fsr-3888	393	1	heckman	heckman	PROPN
fsr-3888	393	2	,	,	PUNCT
fsr-3888	393	3	j.	j.	PROPN
fsr-3888	393	4	(	(	PUNCT
fsr-3888	393	5	1979	1979	NUM
fsr-3888	393	6	)	)	PUNCT
fsr-3888	393	7	.	.	PUNCT
fsr-3888	394	1	sample	sample	NOUN
fsr-3888	394	2	selection	selection	NOUN
fsr-3888	394	3	bias	bias	NOUN
fsr-3888	394	4	as	as	ADP
fsr-3888	394	5	a	a	DET
fsr-3888	394	6	specification	specification	NOUN
fsr-3888	394	7	error.econometrica	error.econometrica	PROPN
fsr-3888	394	8	,	,	PUNCT
fsr-3888	394	9	47(january	47(january	NUM
fsr-3888	394	10	)	)	PUNCT
fsr-3888	394	11	,	,	PUNCT
fsr-3888	394	12	153–161	153–161	NUM
fsr-3888	394	13	.	.	PUNCT
fsr-3888	395	1	jackson	jackson	PROPN
fsr-3888	395	2	,	,	PUNCT
fsr-3888	395	3	j.	j.	PROPN
fsr-3888	395	4	&	&	CCONJ
fsr-3888	395	5	lindley	lindley	PROPN
fsr-3888	395	6	,	,	PUNCT
fsr-3888	395	7	j.	j.	PROPN
fsr-3888	395	8	(	(	PUNCT
fsr-3888	395	9	1989	1989	NUM
fsr-3888	395	10	)	)	PUNCT
fsr-3888	395	11	.	.	PUNCT
fsr-3888	396	1	measuring	measure	VERB
fsr-3888	396	2	the	the	DET
fsr-3888	396	3	extent	extent	NOUN
fsr-3888	396	4	of	of	ADP
fsr-3888	396	5	wage	wage	NOUN
fsr-3888	396	6	discrimination	discrimination	NOUN
fsr-3888	396	7	:	:	PUNCT
fsr-3888	396	8	a	a	DET
fsr-3888	396	9	statistical	statistical	ADJ
fsr-3888	396	10	test	test	NOUN
fsr-3888	396	11	and	and	CCONJ
fsr-3888	396	12	a	a	DET
fsr-3888	396	13	caveat	caveat	NOUN
fsr-3888	396	14	.	.	PUNCT
fsr-3888	397	1	applied	apply	VERB
fsr-3888	397	2	economics	economic	NOUN
fsr-3888	397	3	,	,	PUNCT
fsr-3888	397	4	21	21	NUM
fsr-3888	397	5	,	,	PUNCT
fsr-3888	397	6	515–540	515–540	NUM
fsr-3888	397	7	.	.	PUNCT
fsr-3888	398	1	morin	morin	PROPN
fsr-3888	398	2	,	,	PUNCT
fsr-3888	398	3	r.	r.	PROPN
fsr-3888	398	4	a.	a.	PROPN
fsr-3888	398	5	&	&	CCONJ
fsr-3888	398	6	suarez	suarez	PROPN
fsr-3888	398	7	,	,	PUNCT
fsr-3888	398	8	a.	a.	PROPN
fsr-3888	398	9	f.	f.	PROPN
fsr-3888	398	10	(	(	PUNCT
fsr-3888	398	11	1983	1983	NUM
fsr-3888	398	12	)	)	PUNCT
fsr-3888	398	13	.	.	PUNCT
fsr-3888	399	1	risk	risk	NOUN
fsr-3888	399	2	aversion	aversion	NOUN
fsr-3888	399	3	revisited.journal	revisited.journal	ADJ
fsr-3888	399	4	of	of	ADP
fsr-3888	399	5	finance	finance	NOUN
fsr-3888	399	6	,	,	PUNCT
fsr-3888	399	7	38(4	38(4	NUM
fsr-3888	399	8	)	)	PUNCT
fsr-3888	399	9	,	,	PUNCT
fsr-3888	399	10	1206–1216	1206–1216	NUM
fsr-3888	399	11	.	.	PUNCT
fsr-3888	400	1	oliver	oliver	PROPN
fsr-3888	400	2	,	,	PUNCT
fsr-3888	400	3	m.	m.	PROPN
fsr-3888	400	4	l.	l.	PROPN
fsr-3888	400	5	&	&	CCONJ
fsr-3888	400	6	shapiro	shapiro	PROPN
fsr-3888	400	7	,	,	PUNCT
fsr-3888	400	8	t.	t.	NOUN
fsr-3888	400	9	m.	m.	NOUN
fsr-3888	400	10	(	(	PUNCT
fsr-3888	400	11	1995).black	1995).black	NOUN
fsr-3888	400	12	wealth	wealth	NOUN
fsr-3888	400	13	/	/	SYM
fsr-3888	400	14	white	white	ADJ
fsr-3888	400	15	wealth	wealth	NOUN
fsr-3888	400	16	:	:	PUNCT
fsr-3888	400	17	a	a	DET
fsr-3888	400	18	new	new	ADJ
fsr-3888	400	19	perspective	perspective	NOUN
fsr-3888	400	20	on	on	ADP
fsr-3888	400	21	racial	racial	ADJ
fsr-3888	400	22	inequality	inequality	NOUN
fsr-3888	400	23	.	.	PUNCT
fsr-3888	401	1	new	new	PROPN
fsr-3888	401	2	york	york	PROPN
fsr-3888	401	3	:	:	PUNCT
fsr-3888	402	1	routledge	routledge	PROPN
fsr-3888	402	2	.	.	PROPN
fsr-3888	402	3	paxson	paxson	PROPN
fsr-3888	402	4	,	,	PUNCT
fsr-3888	402	5	c.	c.	PROPN
fsr-3888	402	6	(	(	PUNCT
fsr-3888	402	7	1990	1990	NUM
fsr-3888	402	8	)	)	PUNCT
fsr-3888	402	9	.	.	PUNCT
fsr-3888	403	1	borrowing	borrow	VERB
fsr-3888	403	2	constraints	constraint	NOUN
fsr-3888	403	3	and	and	CCONJ
fsr-3888	403	4	portfolio	portfolio	NOUN
fsr-3888	403	5	choice.quarterly	choice.quarterly	ADV
fsr-3888	403	6	journal	journal	NOUN
fsr-3888	403	7	of	of	ADP
fsr-3888	403	8	economics	economic	NOUN
fsr-3888	403	9	,	,	PUNCT
fsr-3888	403	10	105(2	105(2	NUM
fsr-3888	403	11	)	)	PUNCT
fsr-3888	403	12	,	,	PUNCT
fsr-3888	403	13	535–543	535–543	NUM
fsr-3888	403	14	.	.	PUNCT
fsr-3888	403	15	schooley	schooley	PROPN
fsr-3888	403	16	,	,	PUNCT
fsr-3888	403	17	d.	d.	PROPN
fsr-3888	403	18	k.	k.	PROPN
fsr-3888	403	19	&	&	CCONJ
fsr-3888	403	20	worden	worden	PROPN
fsr-3888	403	21	,	,	PUNCT
fsr-3888	403	22	d.	d.	PROPN
fsr-3888	403	23	d.	d.	PROPN
fsr-3888	403	24	(	(	PUNCT
fsr-3888	403	25	1996	1996	NUM
fsr-3888	403	26	)	)	PUNCT
fsr-3888	403	27	.	.	PUNCT
fsr-3888	404	1	risk	risk	NOUN
fsr-3888	404	2	aversion	aversion	NOUN
fsr-3888	404	3	measures	measure	NOUN
fsr-3888	404	4	:	:	PUNCT
fsr-3888	404	5	comparing	compare	VERB
fsr-3888	404	6	attitudes	attitude	NOUN
fsr-3888	404	7	and	and	CCONJ
fsr-3888	404	8	asset	asset	NOUN
fsr-3888	404	9	allocation	allocation	NOUN
fsr-3888	404	10	.	.	PUNCT
fsr-3888	405	1	financial	financial	ADJ
fsr-3888	405	2	services	service	NOUN
fsr-3888	405	3	review	review	NOUN
fsr-3888	405	4	,	,	PUNCT
fsr-3888	405	5	5(2	5(2	NUM
fsr-3888	405	6	)	)	PUNCT
fsr-3888	405	7	,	,	PUNCT
fsr-3888	405	8	87–99	87–99	NUM
fsr-3888	405	9	.	.	PUNCT
fsr-3888	406	1	survey	survey	NOUN
fsr-3888	406	2	of	of	ADP
fsr-3888	406	3	consumer	consumer	NOUN
fsr-3888	406	4	finances	finance	NOUN
fsr-3888	406	5	(	(	PUNCT
fsr-3888	406	6	1992	1992	NUM
fsr-3888	406	7	)	)	PUNCT
fsr-3888	406	8	.	.	PUNCT
fsr-3888	407	1	federal	federal	PROPN
fsr-3888	407	2	reserve	reserve	PROPN
fsr-3888	407	3	.	.	PUNCT
fsr-3888	408	1	trial	trial	NOUN
fsr-3888	408	2	lawyers	lawyer	NOUN
fsr-3888	408	3	for	for	ADP
fsr-3888	408	4	public	public	ADJ
fsr-3888	408	5	justice	justice	NOUN
fsr-3888	408	6	&	&	CCONJ
fsr-3888	408	7	the	the	DET
fsr-3888	408	8	tlpj	tlpj	PROPN
fsr-3888	408	9	foundation	foundation	NOUN
fsr-3888	408	10	.	.	PUNCT
fsr-3888	409	1	(	(	PUNCT
fsr-3888	409	2	1999	1999	NUM
fsr-3888	409	3	)	)	PUNCT
fsr-3888	409	4	.	.	PUNCT
fsr-3888	410	1	(	(	PUNCT
fsr-3888	410	2	http://www.tlpj.org/tlpjf/pressreleases/	http://www.tlpj.org/tlpjf/pressreleases/	PROPN
fsr-3888	410	3	tran2pr.htm	tran2pr.htm	PROPN
fsr-3888	410	4	)	)	PUNCT
fsr-3888	410	5	.	.	PUNCT
fsr-3888	411	1	u.s	u.s	PROPN
fsr-3888	411	2	.	.	PROPN
fsr-3888	411	3	census	census	PROPN
fsr-3888	411	4	bureau	bureau	PROPN
fsr-3888	411	5	.	.	PUNCT
fsr-3888	412	1	asset	asset	NOUN
fsr-3888	412	2	ownership	ownership	NOUN
fsr-3888	412	3	of	of	ADP
fsr-3888	412	4	households	household	NOUN
fsr-3888	412	5	:	:	PUNCT
fsr-3888	412	6	1993	1993	NUM
fsr-3888	412	7	.	.	PUNCT
fsr-3888	413	1	(	(	PUNCT
fsr-3888	413	2	http://www.census.gov/hhes/www/wealth/	http://www.census.gov/hhes/www/wealth/	PROPN
fsr-3888	413	3	wlth93f.html	wlth93f.html	VERB
fsr-3888	413	4	)	)	PUNCT
fsr-3888	413	5	.	.	PUNCT
fsr-3888	414	1	van	van	PROPN
fsr-3888	414	2	auken	auken	PROPN
fsr-3888	414	3	,	,	PUNCT
fsr-3888	414	4	h.	h.	PROPN
fsr-3888	414	5	e.	e.	PROPN
fsr-3888	414	6	,	,	PUNCT
fsr-3888	414	7	doran	doran	PROPN
fsr-3888	414	8	,	,	PUNCT
fsr-3888	414	9	b.	b.	PROPN
fsr-3888	414	10	m.	m.	PROPN
fsr-3888	414	11	&	&	CCONJ
fsr-3888	414	12	yoon	yoon	PROPN
fsr-3888	414	13	,	,	PUNCT
fsr-3888	414	14	k.	k.	PROPN
fsr-3888	414	15	j.	j.	PROPN
fsr-3888	414	16	(	(	PUNCT
fsr-3888	414	17	1993	1993	NUM
fsr-3888	414	18	)	)	PUNCT
fsr-3888	414	19	.	.	PUNCT
fsr-3888	415	1	a	a	DET
fsr-3888	415	2	financial	financial	ADJ
fsr-3888	415	3	comparison	comparison	NOUN
fsr-3888	415	4	between	between	ADP
fsr-3888	415	5	korean	korean	ADJ
fsr-3888	415	6	and	and	CCONJ
fsr-3888	415	7	us	we	PRON
fsr-3888	415	8	firms	firm	NOUN
fsr-3888	415	9	:	:	PUNCT
fsr-3888	415	10	a	a	DET
fsr-3888	415	11	cross	cross	NOUN
fsr-3888	415	12	balance	balance	NOUN
fsr-3888	415	13	sheet	sheet	NOUN
fsr-3888	415	14	canonical	canonical	ADJ
fsr-3888	415	15	correlation	correlation	NOUN
fsr-3888	415	16	analysis.journal	analysis.journal	ADJ
fsr-3888	415	17	of	of	ADP
fsr-3888	415	18	small	small	ADJ
fsr-3888	415	19	business	business	NOUN
fsr-3888	415	20	management	management	NOUN
fsr-3888	415	21	,	,	PUNCT
fsr-3888	415	22	(	(	PUNCT
fsr-3888	415	23	31)3	31)3	NUM
fsr-3888	415	24	,	,	PUNCT
fsr-3888	415	25	73–83	73–83	NUM
fsr-3888	415	26	.	.	PUNCT
fsr-3888	416	1	wang	wang	PROPN
fsr-3888	416	2	,	,	PUNCT
fsr-3888	416	3	y.	y.	PROPN
fsr-3888	416	4	(	(	PUNCT
fsr-3888	416	5	1995	1995	NUM
fsr-3888	416	6	)	)	PUNCT
fsr-3888	416	7	.	.	PUNCT
fsr-3888	417	1	permanent	permanent	ADJ
fsr-3888	417	2	income	income	NOUN
fsr-3888	417	3	and	and	CCONJ
fsr-3888	417	4	wealth	wealth	NOUN
fsr-3888	417	5	accumulation	accumulation	NOUN
fsr-3888	417	6	:	:	PUNCT
fsr-3888	417	7	a	a	DET
fsr-3888	417	8	cross	cross	ADJ
fsr-3888	417	9	-	-	ADJ
fsr-3888	417	10	sectional	sectional	ADJ
fsr-3888	417	11	study	study	NOUN
fsr-3888	417	12	of	of	ADP
fsr-3888	417	13	chinese	chinese	ADJ
fsr-3888	417	14	urban	urban	ADJ
fsr-3888	417	15	and	and	CCONJ
fsr-3888	417	16	rural	rural	ADJ
fsr-3888	417	17	households.economic	households.economic	ADJ
fsr-3888	417	18	development	development	NOUN
fsr-3888	417	19	and	and	CCONJ
fsr-3888	417	20	cultural	cultural	ADJ
fsr-3888	417	21	change	change	NOUN
fsr-3888	417	22	,	,	PUNCT
fsr-3888	417	23	43(3	43(3	NUM
fsr-3888	417	24	)	)	PUNCT
fsr-3888	417	25	,	,	PUNCT
fsr-3888	417	26	523–550	523–550	NUM
fsr-3888	417	27	.	.	PUNCT
fsr-3888	417	28	wolff	wolff	PROPN
fsr-3888	417	29	,	,	PUNCT
fsr-3888	417	30	e.	e.	PROPN
fsr-3888	417	31	n.	n.	PROPN
fsr-3888	417	32	(	(	PUNCT
fsr-3888	417	33	1994	1994	NUM
fsr-3888	417	34	)	)	PUNCT
fsr-3888	417	35	.	.	PUNCT
fsr-3888	418	1	trends	trend	NOUN
fsr-3888	418	2	in	in	ADP
fsr-3888	418	3	household	household	NOUN
fsr-3888	418	4	wealth	wealth	NOUN
fsr-3888	418	5	in	in	ADP
fsr-3888	418	6	the	the	DET
fsr-3888	418	7	united	united	PROPN
fsr-3888	418	8	states	states	PROPN
fsr-3888	418	9	:	:	PUNCT
fsr-3888	418	10	1962–1983	1962–1983	NUM
fsr-3888	418	11	and	and	CCONJ
fsr-3888	418	12	1983–1989.review	1983–1989.review	NUM
fsr-3888	418	13	of	of	ADP
fsr-3888	418	14	income	income	NOUN
fsr-3888	418	15	and	and	CCONJ
fsr-3888	418	16	wealth	wealth	NOUN
fsr-3888	418	17	,	,	PUNCT
fsr-3888	418	18	40(2	40(2	NUM
fsr-3888	418	19	)	)	PUNCT
fsr-3888	418	20	,	,	PUNCT
fsr-3888	418	21	143–174	143–174	NUM
fsr-3888	418	22	.	.	PUNCT
fsr-3888	419	1	147y.a	147y.a	X
fsr-3888	419	2	.	.	PUNCT
fsr-3888	420	1	badu	badu	VERB
fsr-3888	420	2	et	et	PROPN
fsr-3888	420	3	al	al	PROPN
fsr-3888	420	4	.	.	PUNCT
fsr-3888	420	5	/	/	SYM
fsr-3888	420	6	financial	financial	ADJ
fsr-3888	420	7	services	service	NOUN
fsr-3888	420	8	review	review	VERB
fsr-3888	420	9	8	8	NUM
fsr-3888	420	10	(	(	PUNCT
fsr-3888	420	11	1999	1999	NUM
fsr-3888	420	12	)	)	PUNCT
fsr-3888	420	13	129–147	129–147	NUM