id	sid	tid	token	lemma	pos
fsr-3889	1	1	pii	pii	PROPN
fsr-3889	1	2	:	:	PUNCT
fsr-3889	1	3	s1057	s1057	NOUN
fsr-3889	1	4	-	-	PUNCT
fsr-3889	1	5	0810(99)00040	0810(99)00040	NUM
fsr-3889	1	6	-	-	SYM
fsr-3889	1	7	2	2	NUM
fsr-3889	1	8	racial	racial	ADJ
fsr-3889	1	9	differences	difference	NOUN
fsr-3889	1	10	in	in	ADP
fsr-3889	1	11	investor	investor	NOUN
fsr-3889	1	12	decision	decision	NOUN
fsr-3889	1	13	making	make	VERB
fsr-3889	1	14	michael	michael	PROPN
fsr-3889	1	15	s.	s.	PROPN
fsr-3889	1	16	gutter	gutter	PROPN
fsr-3889	1	17	,	,	PUNCT
fsr-3889	1	18	jonathan	jonathan	PROPN
fsr-3889	1	19	j.	j.	PROPN
fsr-3889	1	20	fox	fox	PROPN
fsr-3889	1	21	,	,	PUNCT
fsr-3889	1	22	catherine	catherine	PROPN
fsr-3889	1	23	p.	p.	PROPN
fsr-3889	1	24	montalto	montalto	PROPN
fsr-3889	1	25	*	*	PUNCT
fsr-3889	1	26	the	the	DET
fsr-3889	1	27	ohio	ohio	PROPN
fsr-3889	1	28	state	state	PROPN
fsr-3889	1	29	university	university	PROPN
fsr-3889	1	30	,	,	PUNCT
fsr-3889	1	31	1787	1787	NUM
fsr-3889	1	32	neil	neil	PROPN
fsr-3889	1	33	avenue	avenue	PROPN
fsr-3889	1	34	,	,	PUNCT
fsr-3889	1	35	columbus	columbus	PROPN
fsr-3889	1	36	,	,	PUNCT
fsr-3889	1	37	oh	oh	INTJ
fsr-3889	1	38	43210	43210	NUM
fsr-3889	1	39	-	-	SYM
fsr-3889	1	40	1295	1295	NUM
fsr-3889	1	41	,	,	PUNCT
fsr-3889	1	42	usa	usa	PROPN
fsr-3889	1	43	received	receive	VERB
fsr-3889	1	44	14	14	NUM
fsr-3889	1	45	may	may	PROPN
fsr-3889	1	46	1999	1999	NUM
fsr-3889	1	47	;	;	PUNCT
fsr-3889	1	48	received	receive	VERB
fsr-3889	1	49	in	in	ADP
fsr-3889	1	50	revised	revise	VERB
fsr-3889	1	51	form	form	NOUN
fsr-3889	1	52	20	20	NUM
fsr-3889	1	53	september	september	PROPN
fsr-3889	1	54	1999	1999	NUM
fsr-3889	1	55	;	;	PUNCT
fsr-3889	1	56	accepted	accept	VERB
fsr-3889	1	57	18	18	NUM
fsr-3889	1	58	october	october	PROPN
fsr-3889	1	59	1999	1999	NUM
fsr-3889	1	60	abstract	abstract	ADJ
fsr-3889	1	61	racial	racial	ADJ
fsr-3889	1	62	differences	difference	NOUN
fsr-3889	1	63	in	in	ADP
fsr-3889	1	64	investment	investment	NOUN
fsr-3889	1	65	behavior	behavior	NOUN
fsr-3889	1	66	are	be	AUX
fsr-3889	1	67	investigated	investigate	VERB
fsr-3889	1	68	using	use	VERB
fsr-3889	1	69	data	datum	NOUN
fsr-3889	1	70	from	from	ADP
fsr-3889	1	71	the	the	DET
fsr-3889	1	72	1995	1995	NUM
fsr-3889	1	73	survey	survey	NOUN
fsr-3889	1	74	of	of	ADP
fsr-3889	1	75	consumer	consumer	NOUN
fsr-3889	1	76	finances	finance	NOUN
fsr-3889	1	77	.	.	PUNCT
fsr-3889	2	1	socioeconomic	socioeconomic	ADJ
fsr-3889	2	2	,	,	PUNCT
fsr-3889	2	3	financial	financial	ADJ
fsr-3889	2	4	,	,	PUNCT
fsr-3889	2	5	and	and	CCONJ
fsr-3889	2	6	attitudinal	attitudinal	ADJ
fsr-3889	2	7	variables	variable	NOUN
fsr-3889	2	8	are	be	AUX
fsr-3889	2	9	incorporated	incorporate	VERB
fsr-3889	2	10	in	in	ADP
fsr-3889	2	11	a	a	DET
fsr-3889	2	12	life	life	NOUN
fsr-3889	2	13	-	-	PUNCT
fsr-3889	2	14	cycle	cycle	NOUN
fsr-3889	2	15	savings	saving	NOUN
fsr-3889	2	16	model	model	NOUN
fsr-3889	2	17	.	.	PUNCT
fsr-3889	3	1	the	the	DET
fsr-3889	3	2	impact	impact	NOUN
fsr-3889	3	3	of	of	ADP
fsr-3889	3	4	all	all	DET
fsr-3889	3	5	variables	variable	NOUN
fsr-3889	3	6	is	be	AUX
fsr-3889	3	7	allowed	allow	VERB
fsr-3889	3	8	to	to	PART
fsr-3889	3	9	differ	differ	VERB
fsr-3889	3	10	between	between	ADP
fsr-3889	3	11	black	black	ADJ
fsr-3889	3	12	households	household	NOUN
fsr-3889	3	13	and	and	CCONJ
fsr-3889	3	14	white	white	ADJ
fsr-3889	3	15	households	household	NOUN
fsr-3889	3	16	to	to	PART
fsr-3889	3	17	understand	understand	VERB
fsr-3889	3	18	racial	racial	ADJ
fsr-3889	3	19	differences	difference	NOUN
fsr-3889	3	20	in	in	ADP
fsr-3889	3	21	risky	risky	ADJ
fsr-3889	3	22	asset	asset	NOUN
fsr-3889	3	23	ownership	ownership	NOUN
fsr-3889	3	24	.	.	PUNCT
fsr-3889	4	1	we	we	PRON
fsr-3889	4	2	determine	determine	VERB
fsr-3889	4	3	that	that	PRON
fsr-3889	4	4	observed	observe	VERB
fsr-3889	4	5	racial	racial	ADJ
fsr-3889	4	6	differences	difference	NOUN
fsr-3889	4	7	in	in	ADP
fsr-3889	4	8	risky	risky	ADJ
fsr-3889	4	9	asset	asset	NOUN
fsr-3889	4	10	ownership	ownership	NOUN
fsr-3889	4	11	are	be	AUX
fsr-3889	4	12	explained	explain	VERB
fsr-3889	4	13	by	by	ADP
fsr-3889	4	14	racial	racial	ADJ
fsr-3889	4	15	differences	difference	NOUN
fsr-3889	4	16	in	in	ADP
fsr-3889	4	17	the	the	DET
fsr-3889	4	18	individual	individual	ADJ
fsr-3889	4	19	determinants	determinant	NOUN
fsr-3889	4	20	of	of	ADP
fsr-3889	4	21	risky	risky	ADJ
fsr-3889	4	22	asset	asset	NOUN
fsr-3889	4	23	ownership	ownership	NOUN
fsr-3889	4	24	,	,	PUNCT
fsr-3889	4	25	not	not	PART
fsr-3889	4	26	by	by	ADP
fsr-3889	4	27	race	race	NOUN
fsr-3889	4	28	in	in	ADP
fsr-3889	4	29	and	and	CCONJ
fsr-3889	4	30	of	of	ADP
fsr-3889	4	31	itself	itself	PRON
fsr-3889	4	32	.	.	PUNCT
fsr-3889	5	1	specifically	specifically	ADV
fsr-3889	5	2	,	,	PUNCT
fsr-3889	5	3	these	these	DET
fsr-3889	5	4	differences	difference	NOUN
fsr-3889	5	5	seem	seem	VERB
fsr-3889	5	6	to	to	PART
fsr-3889	5	7	center	center	VERB
fsr-3889	5	8	on	on	ADP
fsr-3889	5	9	the	the	DET
fsr-3889	5	10	impact	impact	NOUN
fsr-3889	5	11	of	of	ADP
fsr-3889	5	12	children	child	NOUN
fsr-3889	5	13	and	and	CCONJ
fsr-3889	5	14	household	household	NOUN
fsr-3889	5	15	size	size	NOUN
fsr-3889	5	16	.	.	PUNCT
fsr-3889	6	1	©	©	PROPN
fsr-3889	6	2	2000	2000	NUM
fsr-3889	6	3	elsevier	elsevier	PROPN
fsr-3889	6	4	science	science	PROPN
fsr-3889	6	5	inc	inc	PROPN
fsr-3889	6	6	.	.	PUNCT
fsr-3889	7	1	all	all	DET
fsr-3889	7	2	rights	right	NOUN
fsr-3889	7	3	reserved	reserve	VERB
fsr-3889	7	4	.	.	PUNCT
fsr-3889	8	1	jel	jel	PROPN
fsr-3889	8	2	classification	classification	NOUN
fsr-3889	8	3	:	:	PUNCT
fsr-3889	8	4	d12	d12	PROPN
fsr-3889	8	5	;	;	PUNCT
fsr-3889	8	6	d91	d91	NOUN
fsr-3889	8	7	;	;	PUNCT
fsr-3889	8	8	g11	g11	X
fsr-3889	8	9	;	;	PUNCT
fsr-3889	8	10	j70	j70	NOUN
fsr-3889	8	11	keywords	keyword	NOUN
fsr-3889	8	12	:	:	PUNCT
fsr-3889	8	13	individual	individual	ADJ
fsr-3889	8	14	investing	investing	NOUN
fsr-3889	8	15	;	;	PUNCT
fsr-3889	8	16	life	life	NOUN
fsr-3889	8	17	cycle	cycle	NOUN
fsr-3889	8	18	models	model	NOUN
fsr-3889	8	19	;	;	PUNCT
fsr-3889	8	20	portfolio	portfolio	NOUN
fsr-3889	8	21	allocation	allocation	NOUN
fsr-3889	8	22	;	;	PUNCT
fsr-3889	8	23	racial	racial	ADJ
fsr-3889	8	24	differences	difference	NOUN
fsr-3889	8	25	;	;	PUNCT
fsr-3889	8	26	risky	risky	ADJ
fsr-3889	8	27	assets	asset	NOUN
fsr-3889	8	28	1	1	NUM
fsr-3889	8	29	.	.	PUNCT
fsr-3889	9	1	introduction	introduction	NOUN
fsr-3889	9	2	increasing	increase	VERB
fsr-3889	9	3	volatility	volatility	NOUN
fsr-3889	9	4	and	and	CCONJ
fsr-3889	9	5	record	record	NOUN
fsr-3889	9	6	setting	set	VERB
fsr-3889	9	7	gains	gain	NOUN
fsr-3889	9	8	in	in	ADP
fsr-3889	9	9	the	the	DET
fsr-3889	9	10	stock	stock	NOUN
fsr-3889	9	11	market	market	NOUN
fsr-3889	9	12	have	have	AUX
fsr-3889	9	13	heightened	heighten	VERB
fsr-3889	9	14	media	medium	NOUN
fsr-3889	9	15	attention	attention	NOUN
fsr-3889	9	16	on	on	ADP
fsr-3889	9	17	investment	investment	NOUN
fsr-3889	9	18	planning	planning	NOUN
fsr-3889	9	19	and	and	CCONJ
fsr-3889	9	20	investment	investment	NOUN
fsr-3889	9	21	decision	decision	NOUN
fsr-3889	9	22	making	making	NOUN
fsr-3889	9	23	.	.	PUNCT
fsr-3889	10	1	recent	recent	ADJ
fsr-3889	10	2	articles	article	NOUN
fsr-3889	10	3	in	in	ADP
fsr-3889	10	4	the	the	DET
fsr-3889	10	5	wall	wall	PROPN
fsr-3889	10	6	street	street	PROPN
fsr-3889	10	7	journal	journal	PROPN
fsr-3889	10	8	(	(	PUNCT
fsr-3889	10	9	wsj	wsj	PROPN
fsr-3889	10	10	)	)	PUNCT
fsr-3889	10	11	suggest	suggest	VERB
fsr-3889	10	12	that	that	SCONJ
fsr-3889	10	13	affluent	affluent	ADJ
fsr-3889	10	14	blacks	black	NOUN
fsr-3889	10	15	are	be	AUX
fsr-3889	10	16	less	less	ADV
fsr-3889	10	17	involved	involved	ADJ
fsr-3889	10	18	in	in	ADP
fsr-3889	10	19	the	the	DET
fsr-3889	10	20	stock	stock	NOUN
fsr-3889	10	21	market	market	NOUN
fsr-3889	10	22	than	than	ADP
fsr-3889	10	23	whites	white	NOUN
fsr-3889	10	24	(	(	PUNCT
fsr-3889	10	25	boyce	boyce	PROPN
fsr-3889	10	26	,	,	PUNCT
fsr-3889	10	27	1998	1998	NUM
fsr-3889	10	28	;	;	PUNCT
fsr-3889	10	29	mabry	mabry	PROPN
fsr-3889	10	30	,	,	PUNCT
fsr-3889	10	31	1999	1999	NUM
fsr-3889	10	32	)	)	PUNCT
fsr-3889	10	33	,	,	PUNCT
fsr-3889	10	34	and	and	CCONJ
fsr-3889	10	35	may	may	AUX
fsr-3889	10	36	not	not	PART
fsr-3889	10	37	be	be	AUX
fsr-3889	10	38	benefiting	benefit	VERB
fsr-3889	10	39	from	from	ADP
fsr-3889	10	40	market	market	NOUN
fsr-3889	10	41	gains	gain	NOUN
fsr-3889	10	42	.	.	PUNCT
fsr-3889	11	1	the	the	DET
fsr-3889	11	2	wsj	wsj	PROPN
fsr-3889	11	3	report	report	NOUN
fsr-3889	11	4	is	be	AUX
fsr-3889	11	5	based	base	VERB
fsr-3889	11	6	on	on	ADP
fsr-3889	11	7	a	a	DET
fsr-3889	11	8	study	study	NOUN
fsr-3889	11	9	sponsored	sponsor	VERB
fsr-3889	11	10	by	by	ADP
fsr-3889	11	11	ariel	ariel	PROPN
fsr-3889	11	12	mutual	mutual	ADJ
fsr-3889	11	13	funds	fund	NOUN
fsr-3889	11	14	and	and	CCONJ
fsr-3889	11	15	charles	charles	PROPN
fsr-3889	11	16	schwab	schwab	PROPN
fsr-3889	11	17	that	that	PRON
fsr-3889	11	18	does	do	AUX
fsr-3889	11	19	not	not	PART
fsr-3889	11	20	attempt	attempt	VERB
fsr-3889	11	21	to	to	PART
fsr-3889	11	22	explain	explain	VERB
fsr-3889	11	23	the	the	DET
fsr-3889	11	24	reasons	reason	NOUN
fsr-3889	11	25	for	for	ADP
fsr-3889	11	26	observed	observe	VERB
fsr-3889	11	27	racial	racial	ADJ
fsr-3889	11	28	differences	difference	NOUN
fsr-3889	11	29	in	in	ADP
fsr-3889	11	30	investing	investing	NOUN
fsr-3889	11	31	.	.	PUNCT
fsr-3889	12	1	the	the	DET
fsr-3889	12	2	fact	fact	NOUN
fsr-3889	12	3	that	that	SCONJ
fsr-3889	12	4	*	*	PUNCT
fsr-3889	12	5	corresponding	correspond	VERB
fsr-3889	12	6	author	author	NOUN
fsr-3889	12	7	.	.	PUNCT
fsr-3889	13	1	tel.:11	tel.:11	PROPN
fsr-3889	13	2	-	-	PUNCT
fsr-3889	13	3	614	614	NUM
fsr-3889	13	4	-	-	PUNCT
fsr-3889	13	5	292	292	NUM
fsr-3889	13	6	-	-	SYM
fsr-3889	13	7	4571	4571	NUM
fsr-3889	13	8	;	;	PUNCT
fsr-3889	13	9	fax:11	fax:11	NOUN
fsr-3889	13	10	-	-	PUNCT
fsr-3889	13	11	614	614	NUM
fsr-3889	13	12	-	-	PUNCT
fsr-3889	13	13	688	688	NUM
fsr-3889	13	14	-	-	PUNCT
fsr-3889	13	15	8133	8133	NUM
fsr-3889	13	16	.	.	PUNCT
fsr-3889	14	1	e	e	X
fsr-3889	14	2	-	-	NOUN
fsr-3889	14	3	mail	mail	NOUN
fsr-3889	14	4	address:montalto.2@osu.edu	address:montalto.2@osu.edu	PROPN
fsr-3889	14	5	(	(	PUNCT
fsr-3889	14	6	c.p	c.p	PROPN
fsr-3889	14	7	.	.	PROPN
fsr-3889	14	8	montalto	montalto	PROPN
fsr-3889	14	9	)	)	PUNCT
fsr-3889	14	10	financial	financial	ADJ
fsr-3889	14	11	services	service	NOUN
fsr-3889	14	12	review	review	VERB
fsr-3889	14	13	8	8	NUM
fsr-3889	14	14	(	(	PUNCT
fsr-3889	14	15	1999	1999	NUM
fsr-3889	14	16	)	)	PUNCT
fsr-3889	14	17	149–162	149–162	NUM
fsr-3889	14	18	1057	1057	NUM
fsr-3889	14	19	-	-	SYM
fsr-3889	14	20	0810/00/$	0810/00/$	NUM
fsr-3889	14	21	–	–	PUNCT
fsr-3889	14	22	see	see	VERB
fsr-3889	14	23	front	front	ADJ
fsr-3889	14	24	matter	matter	NOUN
fsr-3889	15	1	©	©	PROPN
fsr-3889	15	2	2000	2000	NUM
fsr-3889	15	3	elsevier	elsevier	PROPN
fsr-3889	15	4	science	science	PROPN
fsr-3889	15	5	inc	inc	PROPN
fsr-3889	15	6	.	.	PUNCT
fsr-3889	16	1	all	all	DET
fsr-3889	16	2	rights	right	NOUN
fsr-3889	16	3	reserved	reserve	VERB
fsr-3889	16	4	.	.	PUNCT
fsr-3889	17	1	pii	pii	NOUN
fsr-3889	17	2	:	:	PUNCT
fsr-3889	17	3	s1057	s1057	NOUN
fsr-3889	17	4	-	-	PUNCT
fsr-3889	17	5	0810(00)00040	0810(00)00040	NUM
fsr-3889	17	6	-	-	SYM
fsr-3889	17	7	2	2	NUM
fsr-3889	17	8	blacks	black	NOUN
fsr-3889	17	9	are	be	AUX
fsr-3889	17	10	less	less	ADV
fsr-3889	17	11	invested	invest	VERB
fsr-3889	17	12	in	in	ADP
fsr-3889	17	13	stocks	stock	NOUN
fsr-3889	17	14	than	than	ADP
fsr-3889	17	15	whites	white	NOUN
fsr-3889	17	16	may	may	AUX
fsr-3889	17	17	indicate	indicate	VERB
fsr-3889	17	18	differences	difference	NOUN
fsr-3889	17	19	in	in	ADP
fsr-3889	17	20	risk	risk	NOUN
fsr-3889	17	21	tolerance	tolerance	NOUN
fsr-3889	17	22	and	and	CCONJ
fsr-3889	17	23	investment	investment	NOUN
fsr-3889	17	24	choice	choice	NOUN
fsr-3889	17	25	,	,	PUNCT
fsr-3889	17	26	or	or	CCONJ
fsr-3889	17	27	a	a	DET
fsr-3889	17	28	cultural	cultural	ADJ
fsr-3889	17	29	difference	difference	NOUN
fsr-3889	17	30	in	in	ADP
fsr-3889	17	31	investment	investment	NOUN
fsr-3889	17	32	behavior	behavior	NOUN
fsr-3889	17	33	.	.	PUNCT
fsr-3889	18	1	a	a	DET
fsr-3889	18	2	better	well	ADJ
fsr-3889	18	3	understanding	understanding	NOUN
fsr-3889	18	4	of	of	ADP
fsr-3889	18	5	racial	racial	ADJ
fsr-3889	18	6	differences	difference	NOUN
fsr-3889	18	7	in	in	ADP
fsr-3889	18	8	investor	investor	NOUN
fsr-3889	18	9	behavior	behavior	NOUN
fsr-3889	18	10	has	have	VERB
fsr-3889	18	11	several	several	ADJ
fsr-3889	18	12	implications	implication	NOUN
fsr-3889	18	13	for	for	ADP
fsr-3889	18	14	individual	individual	ADJ
fsr-3889	18	15	investors	investor	NOUN
fsr-3889	18	16	,	,	PUNCT
fsr-3889	18	17	financial	financial	ADJ
fsr-3889	18	18	advisors	advisor	NOUN
fsr-3889	18	19	,	,	PUNCT
fsr-3889	18	20	and	and	CCONJ
fsr-3889	18	21	retirement	retirement	NOUN
fsr-3889	18	22	policy	policy	NOUN
fsr-3889	18	23	makers	maker	NOUN
fsr-3889	18	24	.	.	PUNCT
fsr-3889	19	1	first	first	ADV
fsr-3889	19	2	,	,	PUNCT
fsr-3889	19	3	individuals	individual	NOUN
fsr-3889	19	4	who	who	PRON
fsr-3889	19	5	participate	participate	VERB
fsr-3889	19	6	in	in	ADP
fsr-3889	19	7	defined	define	VERB
fsr-3889	19	8	contribution	contribution	NOUN
fsr-3889	19	9	retirement	retirement	NOUN
fsr-3889	19	10	plans	plan	NOUN
fsr-3889	19	11	are	be	AUX
fsr-3889	19	12	increasingly	increasingly	ADV
fsr-3889	19	13	choosing	choose	VERB
fsr-3889	19	14	their	their	PRON
fsr-3889	19	15	own	own	ADJ
fsr-3889	19	16	investment	investment	NOUN
fsr-3889	19	17	allocations	allocation	NOUN
fsr-3889	19	18	.	.	PUNCT
fsr-3889	20	1	racial	racial	ADJ
fsr-3889	20	2	differences	difference	NOUN
fsr-3889	20	3	in	in	ADP
fsr-3889	20	4	investment	investment	NOUN
fsr-3889	20	5	choices	choice	NOUN
fsr-3889	20	6	could	could	AUX
fsr-3889	20	7	lead	lead	VERB
fsr-3889	20	8	to	to	ADP
fsr-3889	20	9	large	large	ADJ
fsr-3889	20	10	differences	difference	NOUN
fsr-3889	20	11	between	between	ADP
fsr-3889	20	12	blacks	black	NOUN
fsr-3889	20	13	and	and	CCONJ
fsr-3889	20	14	whites	white	NOUN
fsr-3889	20	15	in	in	ADP
fsr-3889	20	16	wealth	wealth	NOUN
fsr-3889	20	17	accumulation	accumulation	NOUN
fsr-3889	20	18	over	over	ADP
fsr-3889	20	19	the	the	DET
fsr-3889	20	20	life	life	NOUN
fsr-3889	20	21	cycle	cycle	NOUN
fsr-3889	20	22	,	,	PUNCT
fsr-3889	20	23	possibly	possibly	ADV
fsr-3889	20	24	leaving	leave	VERB
fsr-3889	20	25	black	black	ADJ
fsr-3889	20	26	families	family	NOUN
fsr-3889	20	27	less	less	ADV
fsr-3889	20	28	prepared	prepared	ADJ
fsr-3889	20	29	for	for	ADP
fsr-3889	20	30	retirement	retirement	NOUN
fsr-3889	20	31	.	.	PUNCT
fsr-3889	21	1	additionally	additionally	ADV
fsr-3889	21	2	,	,	PUNCT
fsr-3889	21	3	lower	low	ADJ
fsr-3889	21	4	wealth	wealth	NOUN
fsr-3889	21	5	accumulation	accumulation	NOUN
fsr-3889	21	6	reduces	reduce	VERB
fsr-3889	21	7	the	the	DET
fsr-3889	21	8	household	household	NOUN
fsr-3889	21	9	’s	’s	PART
fsr-3889	21	10	ability	ability	NOUN
fsr-3889	21	11	to	to	PART
fsr-3889	21	12	deal	deal	VERB
fsr-3889	21	13	with	with	ADP
fsr-3889	21	14	financial	financial	ADJ
fsr-3889	21	15	shocks	shock	NOUN
fsr-3889	21	16	such	such	ADJ
fsr-3889	21	17	as	as	ADP
fsr-3889	21	18	disability	disability	NOUN
fsr-3889	21	19	or	or	CCONJ
fsr-3889	21	20	death	death	NOUN
fsr-3889	21	21	of	of	ADP
fsr-3889	21	22	a	a	DET
fsr-3889	21	23	key	key	ADJ
fsr-3889	21	24	income	income	NOUN
fsr-3889	21	25	earner	earner	NOUN
fsr-3889	21	26	.	.	PUNCT
fsr-3889	22	1	if	if	SCONJ
fsr-3889	22	2	there	there	PRON
fsr-3889	22	3	are	be	VERB
fsr-3889	22	4	racial	racial	ADJ
fsr-3889	22	5	differences	difference	NOUN
fsr-3889	22	6	in	in	ADP
fsr-3889	22	7	investment	investment	NOUN
fsr-3889	22	8	choices	choice	NOUN
fsr-3889	22	9	,	,	PUNCT
fsr-3889	22	10	then	then	ADV
fsr-3889	22	11	future	future	ADJ
fsr-3889	22	12	financial	financial	ADJ
fsr-3889	22	13	education	education	NOUN
fsr-3889	22	14	efforts	effort	NOUN
fsr-3889	22	15	may	may	AUX
fsr-3889	22	16	need	need	VERB
fsr-3889	22	17	to	to	PART
fsr-3889	22	18	be	be	AUX
fsr-3889	22	19	tailored	tailor	VERB
fsr-3889	22	20	to	to	ADP
fsr-3889	22	21	the	the	DET
fsr-3889	22	22	needs	need	NOUN
fsr-3889	22	23	of	of	ADP
fsr-3889	22	24	specific	specific	ADJ
fsr-3889	22	25	racial	racial	ADJ
fsr-3889	22	26	groups	group	NOUN
fsr-3889	22	27	.	.	PUNCT
fsr-3889	23	1	financial	financial	ADJ
fsr-3889	23	2	consultants	consultant	NOUN
fsr-3889	23	3	may	may	AUX
fsr-3889	23	4	also	also	ADV
fsr-3889	23	5	need	need	VERB
fsr-3889	23	6	to	to	PART
fsr-3889	23	7	be	be	AUX
fsr-3889	23	8	aware	aware	ADJ
fsr-3889	23	9	of	of	ADP
fsr-3889	23	10	differences	difference	NOUN
fsr-3889	23	11	in	in	ADP
fsr-3889	23	12	risk	risk	NOUN
fsr-3889	23	13	tolerance	tolerance	NOUN
fsr-3889	23	14	that	that	PRON
fsr-3889	23	15	are	be	AUX
fsr-3889	23	16	race	race	NOUN
fsr-3889	23	17	specific	specific	ADJ
fsr-3889	23	18	.	.	PUNCT
fsr-3889	24	1	if	if	SCONJ
fsr-3889	24	2	current	current	ADJ
fsr-3889	24	3	risk	risk	NOUN
fsr-3889	24	4	tolerance	tolerance	NOUN
fsr-3889	24	5	measures	measure	NOUN
fsr-3889	24	6	are	be	AUX
fsr-3889	24	7	inaccurate	inaccurate	ADJ
fsr-3889	24	8	for	for	ADP
fsr-3889	24	9	members	member	NOUN
fsr-3889	24	10	of	of	ADP
fsr-3889	24	11	specific	specific	ADJ
fsr-3889	24	12	racial	racial	ADJ
fsr-3889	24	13	groups	group	NOUN
fsr-3889	24	14	,	,	PUNCT
fsr-3889	24	15	this	this	PRON
fsr-3889	24	16	could	could	AUX
fsr-3889	24	17	lead	lead	VERB
fsr-3889	24	18	to	to	ADP
fsr-3889	24	19	misunderstanding	misunderstanding	NOUN
fsr-3889	24	20	and	and	CCONJ
fsr-3889	24	21	poor	poor	ADJ
fsr-3889	24	22	implementation	implementation	NOUN
fsr-3889	24	23	by	by	ADP
fsr-3889	24	24	planners	planner	NOUN
fsr-3889	24	25	.	.	PUNCT
fsr-3889	25	1	lack	lack	NOUN
fsr-3889	25	2	of	of	ADP
fsr-3889	25	3	understanding	understanding	NOUN
fsr-3889	25	4	between	between	ADP
fsr-3889	25	5	financial	financial	ADJ
fsr-3889	25	6	planners	planner	NOUN
fsr-3889	25	7	and	and	CCONJ
fsr-3889	25	8	black	black	ADJ
fsr-3889	25	9	clients	client	NOUN
fsr-3889	25	10	may	may	AUX
fsr-3889	25	11	deter	deter	VERB
fsr-3889	25	12	blacks	black	NOUN
fsr-3889	25	13	from	from	ADP
fsr-3889	25	14	ever	ever	ADV
fsr-3889	25	15	seeking	seek	VERB
fsr-3889	25	16	the	the	DET
fsr-3889	25	17	advice	advice	NOUN
fsr-3889	25	18	of	of	ADP
fsr-3889	25	19	financial	financial	ADJ
fsr-3889	25	20	advisors	advisor	NOUN
fsr-3889	25	21	.	.	PUNCT
fsr-3889	26	1	for	for	ADP
fsr-3889	26	2	financial	financial	ADJ
fsr-3889	26	3	advisors	advisor	NOUN
fsr-3889	26	4	this	this	PRON
fsr-3889	26	5	is	be	AUX
fsr-3889	26	6	a	a	DET
fsr-3889	26	7	significant	significant	ADJ
fsr-3889	26	8	target	target	NOUN
fsr-3889	26	9	market	market	NOUN
fsr-3889	26	10	to	to	PART
fsr-3889	26	11	miss	miss	VERB
fsr-3889	26	12	.	.	PUNCT
fsr-3889	27	1	based	base	VERB
fsr-3889	27	2	on	on	ADP
fsr-3889	27	3	the	the	DET
fsr-3889	27	4	1995	1995	NUM
fsr-3889	27	5	survey	survey	NOUN
fsr-3889	27	6	of	of	ADP
fsr-3889	27	7	consumer	consumer	NOUN
fsr-3889	27	8	finance	finance	NOUN
fsr-3889	27	9	,	,	PUNCT
fsr-3889	27	10	the	the	DET
fsr-3889	27	11	average	average	ADJ
fsr-3889	27	12	black	black	ADJ
fsr-3889	27	13	household	household	NOUN
fsr-3889	27	14	holds	hold	VERB
fsr-3889	27	15	nearly	nearly	ADV
fsr-3889	27	16	$	$	SYM
fsr-3889	27	17	50	50	NUM
fsr-3889	27	18	,	,	PUNCT
fsr-3889	27	19	000	000	NUM
fsr-3889	27	20	in	in	ADP
fsr-3889	27	21	financial	financial	ADJ
fsr-3889	27	22	assets	asset	NOUN
fsr-3889	27	23	.	.	PUNCT
fsr-3889	28	1	a	a	DET
fsr-3889	28	2	major	major	ADJ
fsr-3889	28	3	concern	concern	NOUN
fsr-3889	28	4	for	for	ADP
fsr-3889	28	5	policy	policy	NOUN
fsr-3889	28	6	makers	maker	NOUN
fsr-3889	28	7	is	be	AUX
fsr-3889	28	8	the	the	DET
fsr-3889	28	9	proposal	proposal	NOUN
fsr-3889	28	10	for	for	ADP
fsr-3889	28	11	private	private	ADJ
fsr-3889	28	12	control	control	NOUN
fsr-3889	28	13	within	within	ADP
fsr-3889	28	14	social	social	ADJ
fsr-3889	28	15	security	security	NOUN
fsr-3889	28	16	accounts	account	NOUN
fsr-3889	28	17	.	.	PUNCT
fsr-3889	29	1	if	if	SCONJ
fsr-3889	29	2	this	this	PRON
fsr-3889	29	3	comes	come	VERB
fsr-3889	29	4	to	to	PART
fsr-3889	29	5	pass	pass	VERB
fsr-3889	29	6	,	,	PUNCT
fsr-3889	29	7	investment	investment	NOUN
fsr-3889	29	8	choice	choice	NOUN
fsr-3889	29	9	will	will	AUX
fsr-3889	29	10	directly	directly	ADV
fsr-3889	29	11	impact	impact	VERB
fsr-3889	29	12	the	the	DET
fsr-3889	29	13	cornerstone	cornerstone	NOUN
fsr-3889	29	14	of	of	ADP
fsr-3889	29	15	american	american	PROPN
fsr-3889	29	16	retirement	retirement	NOUN
fsr-3889	29	17	funds	fund	NOUN
fsr-3889	29	18	.	.	PUNCT
fsr-3889	30	1	this	this	DET
fsr-3889	30	2	study	study	NOUN
fsr-3889	30	3	outlines	outline	VERB
fsr-3889	30	4	the	the	DET
fsr-3889	30	5	framework	framework	NOUN
fsr-3889	30	6	for	for	ADP
fsr-3889	30	7	,	,	PUNCT
fsr-3889	30	8	and	and	CCONJ
fsr-3889	30	9	empirically	empirically	ADV
fsr-3889	30	10	tests	test	NOUN
fsr-3889	30	11	,	,	PUNCT
fsr-3889	30	12	a	a	DET
fsr-3889	30	13	model	model	NOUN
fsr-3889	30	14	of	of	ADP
fsr-3889	30	15	investor	investor	NOUN
fsr-3889	30	16	decision	decision	NOUN
fsr-3889	30	17	making	make	VERB
fsr-3889	30	18	for	for	ADP
fsr-3889	30	19	the	the	DET
fsr-3889	30	20	purpose	purpose	NOUN
fsr-3889	30	21	of	of	ADP
fsr-3889	30	22	explaining	explain	VERB
fsr-3889	30	23	observed	observe	VERB
fsr-3889	30	24	racial	racial	ADJ
fsr-3889	30	25	differences	difference	NOUN
fsr-3889	30	26	in	in	ADP
fsr-3889	30	27	risky	risky	ADJ
fsr-3889	30	28	asset	asset	NOUN
fsr-3889	30	29	ownership	ownership	NOUN
fsr-3889	30	30	.	.	PUNCT
fsr-3889	31	1	socieoeconomic	socieoeconomic	ADJ
fsr-3889	31	2	,	,	PUNCT
fsr-3889	31	3	financial	financial	ADJ
fsr-3889	31	4	,	,	PUNCT
fsr-3889	31	5	and	and	CCONJ
fsr-3889	31	6	attitudinal	attitudinal	ADJ
fsr-3889	31	7	variables	variable	NOUN
fsr-3889	31	8	are	be	AUX
fsr-3889	31	9	incorporated	incorporate	VERB
fsr-3889	31	10	into	into	ADP
fsr-3889	31	11	the	the	DET
fsr-3889	31	12	life	life	NOUN
fsr-3889	31	13	-	-	PUNCT
fsr-3889	31	14	cycle	cycle	NOUN
fsr-3889	31	15	model	model	NOUN
fsr-3889	31	16	of	of	ADP
fsr-3889	31	17	saving	save	VERB
fsr-3889	31	18	to	to	PART
fsr-3889	31	19	explain	explain	VERB
fsr-3889	31	20	racial	racial	ADJ
fsr-3889	31	21	differences	difference	NOUN
fsr-3889	31	22	in	in	ADP
fsr-3889	31	23	the	the	DET
fsr-3889	31	24	likelihood	likelihood	NOUN
fsr-3889	31	25	of	of	ADP
fsr-3889	31	26	ownership	ownership	NOUN
fsr-3889	31	27	of	of	ADP
fsr-3889	31	28	stocks	stock	NOUN
fsr-3889	31	29	and/or	and/or	CCONJ
fsr-3889	31	30	small	small	ADJ
fsr-3889	31	31	business	business	NOUN
fsr-3889	31	32	.	.	PUNCT
fsr-3889	32	1	2	2	X
fsr-3889	32	2	.	.	X
fsr-3889	32	3	literature	literature	NOUN
fsr-3889	32	4	review	review	NOUN
fsr-3889	32	5	and	and	CCONJ
fsr-3889	32	6	theory	theory	VERB
fsr-3889	32	7	racial	racial	ADJ
fsr-3889	32	8	differences	difference	NOUN
fsr-3889	32	9	in	in	ADP
fsr-3889	32	10	economic	economic	ADJ
fsr-3889	32	11	decision	decision	NOUN
fsr-3889	32	12	making	making	NOUN
fsr-3889	32	13	have	have	AUX
fsr-3889	32	14	been	be	AUX
fsr-3889	32	15	well	well	ADV
fsr-3889	32	16	studied	study	VERB
fsr-3889	32	17	(	(	PUNCT
fsr-3889	32	18	jackson	jackson	PROPN
fsr-3889	32	19	and	and	CCONJ
fsr-3889	32	20	lindley	lindley	PROPN
fsr-3889	32	21	,	,	PUNCT
fsr-3889	32	22	1989	1989	NUM
fsr-3889	32	23	;	;	PUNCT
fsr-3889	32	24	myers	myer	NOUN
fsr-3889	32	25	and	and	CCONJ
fsr-3889	32	26	chung	chung	PROPN
fsr-3889	32	27	,	,	PUNCT
fsr-3889	32	28	1996	1996	NUM
fsr-3889	32	29	)	)	PUNCT
fsr-3889	32	30	,	,	PUNCT
fsr-3889	32	31	but	but	CCONJ
fsr-3889	32	32	racial	racial	ADJ
fsr-3889	32	33	differences	difference	NOUN
fsr-3889	32	34	in	in	ADP
fsr-3889	32	35	individual	individual	ADJ
fsr-3889	32	36	investment	investment	NOUN
fsr-3889	32	37	decisions	decision	NOUN
fsr-3889	32	38	has	have	AUX
fsr-3889	32	39	received	receive	VERB
fsr-3889	32	40	less	less	ADJ
fsr-3889	32	41	attention	attention	NOUN
fsr-3889	32	42	.	.	PUNCT
fsr-3889	33	1	research	research	NOUN
fsr-3889	33	2	on	on	ADP
fsr-3889	33	3	investment	investment	NOUN
fsr-3889	33	4	decisions	decision	NOUN
fsr-3889	33	5	consistently	consistently	ADV
fsr-3889	33	6	finds	find	VERB
fsr-3889	33	7	that	that	SCONJ
fsr-3889	33	8	risk	risk	NOUN
fsr-3889	33	9	tolerance	tolerance	NOUN
fsr-3889	33	10	is	be	AUX
fsr-3889	33	11	a	a	DET
fsr-3889	33	12	key	key	ADJ
fsr-3889	33	13	factor	factor	NOUN
fsr-3889	33	14	in	in	ADP
fsr-3889	33	15	investor	investor	NOUN
fsr-3889	33	16	decision	decision	NOUN
fsr-3889	33	17	making	making	NOUN
fsr-3889	33	18	.	.	PUNCT
fsr-3889	34	1	gender	gender	NOUN
fsr-3889	34	2	differences	difference	NOUN
fsr-3889	34	3	in	in	ADP
fsr-3889	34	4	investing	investing	NOUN
fsr-3889	34	5	have	have	AUX
fsr-3889	34	6	been	be	AUX
fsr-3889	34	7	analyzed	analyze	VERB
fsr-3889	34	8	(	(	PUNCT
fsr-3889	34	9	bajtelsmit	bajtelsmit	NOUN
fsr-3889	34	10	and	and	CCONJ
fsr-3889	34	11	bernasek	bernasek	NOUN
fsr-3889	34	12	,	,	PUNCT
fsr-3889	34	13	1996	1996	NUM
fsr-3889	34	14	;	;	PUNCT
fsr-3889	34	15	bajtelsmit	bajtelsmit	NOUN
fsr-3889	34	16	,	,	PUNCT
fsr-3889	34	17	bernasek	bernasek	VERB
fsr-3889	34	18	,	,	PUNCT
fsr-3889	34	19	and	and	CCONJ
fsr-3889	34	20	jiankoplos	jiankoplos	PROPN
fsr-3889	34	21	,	,	PUNCT
fsr-3889	34	22	1999	1999	NUM
fsr-3889	34	23	;	;	PUNCT
fsr-3889	34	24	embrey	embrey	PROPN
fsr-3889	34	25	and	and	CCONJ
fsr-3889	34	26	fox	fox	PROPN
fsr-3889	34	27	,	,	PUNCT
fsr-3889	34	28	1997	1997	NUM
fsr-3889	34	29	)	)	PUNCT
fsr-3889	34	30	as	as	ADV
fsr-3889	34	31	well	well	ADV
fsr-3889	34	32	as	as	ADP
fsr-3889	34	33	relationships	relationship	NOUN
fsr-3889	34	34	between	between	ADP
fsr-3889	34	35	risk	risk	NOUN
fsr-3889	34	36	tolerance	tolerance	NOUN
fsr-3889	34	37	,	,	PUNCT
fsr-3889	34	38	demographic	demographic	ADJ
fsr-3889	34	39	characteristics	characteristic	NOUN
fsr-3889	34	40	,	,	PUNCT
fsr-3889	34	41	and	and	CCONJ
fsr-3889	34	42	investment	investment	NOUN
fsr-3889	34	43	portfolio	portfolio	NOUN
fsr-3889	34	44	allocation	allocation	NOUN
fsr-3889	34	45	(	(	PUNCT
fsr-3889	34	46	myers	myers	PROPN
fsr-3889	34	47	and	and	CCONJ
fsr-3889	34	48	chung	chung	PROPN
fsr-3889	34	49	,	,	PUNCT
fsr-3889	34	50	1996	1996	NUM
fsr-3889	34	51	;	;	PUNCT
fsr-3889	34	52	schooley	schooley	NOUN
fsr-3889	34	53	and	and	CCONJ
fsr-3889	34	54	worden	worden	NOUN
fsr-3889	34	55	,	,	PUNCT
fsr-3889	34	56	1996	1996	NUM
fsr-3889	34	57	;	;	PUNCT
fsr-3889	34	58	zhong	zhong	PROPN
fsr-3889	34	59	and	and	CCONJ
fsr-3889	34	60	xiao	xiao	PROPN
fsr-3889	34	61	,	,	PUNCT
fsr-3889	34	62	1995	1995	NUM
fsr-3889	34	63	)	)	PUNCT
fsr-3889	34	64	.	.	PUNCT
fsr-3889	35	1	much	much	ADJ
fsr-3889	35	2	of	of	ADP
fsr-3889	35	3	this	this	DET
fsr-3889	35	4	research	research	NOUN
fsr-3889	35	5	uses	use	VERB
fsr-3889	35	6	ratios	ratio	NOUN
fsr-3889	35	7	of	of	ADP
fsr-3889	35	8	risky	risky	ADJ
fsr-3889	35	9	assets	asset	NOUN
fsr-3889	35	10	to	to	ADP
fsr-3889	35	11	net	net	ADJ
fsr-3889	35	12	financial	financial	ADJ
fsr-3889	35	13	assets	asset	NOUN
fsr-3889	35	14	,	,	PUNCT
fsr-3889	35	15	or	or	CCONJ
fsr-3889	35	16	ratios	ratio	NOUN
fsr-3889	35	17	of	of	ADP
fsr-3889	35	18	risky	risky	ADJ
fsr-3889	35	19	retirement	retirement	NOUN
fsr-3889	35	20	assets	asset	NOUN
fsr-3889	35	21	to	to	PART
fsr-3889	35	22	total	total	VERB
fsr-3889	35	23	retirement	retirement	NOUN
fsr-3889	35	24	assets	asset	NOUN
fsr-3889	35	25	as	as	ADP
fsr-3889	35	26	dependent	dependent	ADJ
fsr-3889	35	27	variables	variable	NOUN
fsr-3889	35	28	(	(	PUNCT
fsr-3889	35	29	yuh	yuh	PROPN
fsr-3889	35	30	and	and	CCONJ
fsr-3889	35	31	hanna	hanna	PROPN
fsr-3889	35	32	,	,	PUNCT
fsr-3889	35	33	1997	1997	NUM
fsr-3889	35	34	)	)	PUNCT
fsr-3889	35	35	.	.	PUNCT
fsr-3889	36	1	in	in	ADP
fsr-3889	36	2	addition	addition	NOUN
fsr-3889	36	3	to	to	ADP
fsr-3889	36	4	racial	racial	ADJ
fsr-3889	36	5	differences	difference	NOUN
fsr-3889	36	6	,	,	PUNCT
fsr-3889	36	7	other	other	ADJ
fsr-3889	36	8	factors	factor	NOUN
fsr-3889	36	9	affecting	affect	VERB
fsr-3889	36	10	investment	investment	NOUN
fsr-3889	36	11	and	and	CCONJ
fsr-3889	36	12	economic	economic	ADJ
fsr-3889	36	13	decisions	decision	NOUN
fsr-3889	36	14	are	be	AUX
fsr-3889	36	15	critical	critical	ADJ
fsr-3889	36	16	to	to	ADP
fsr-3889	36	17	the	the	DET
fsr-3889	36	18	present	present	ADJ
fsr-3889	36	19	discussion	discussion	NOUN
fsr-3889	36	20	.	.	PUNCT
fsr-3889	37	1	myers	myers	PROPN
fsr-3889	37	2	and	and	CCONJ
fsr-3889	37	3	chung	chung	PROPN
fsr-3889	37	4	(	(	PUNCT
fsr-3889	37	5	1996	1996	NUM
fsr-3889	37	6	)	)	PUNCT
fsr-3889	37	7	examine	examine	VERB
fsr-3889	37	8	racial	racial	ADJ
fsr-3889	37	9	differences	difference	NOUN
fsr-3889	37	10	in	in	ADP
fsr-3889	37	11	home	home	NOUN
fsr-3889	37	12	ownership	ownership	NOUN
fsr-3889	37	13	and	and	CCONJ
fsr-3889	37	14	equity	equity	NOUN
fsr-3889	37	15	levels	level	NOUN
fsr-3889	37	16	,	,	PUNCT
fsr-3889	37	17	incorporating	incorporate	VERB
fsr-3889	37	18	risk	risk	NOUN
fsr-3889	37	19	attitudes	attitude	NOUN
fsr-3889	37	20	,	,	PUNCT
fsr-3889	37	21	investment	investment	NOUN
fsr-3889	37	22	horizon	horizon	NOUN
fsr-3889	37	23	,	,	PUNCT
fsr-3889	37	24	and	and	CCONJ
fsr-3889	37	25	cognitive	cognitive	ADJ
fsr-3889	37	26	skills	skill	NOUN
fsr-3889	37	27	into	into	ADP
fsr-3889	37	28	models	model	NOUN
fsr-3889	37	29	predicting	predict	VERB
fsr-3889	37	30	expected	expect	VERB
fsr-3889	37	31	home	home	NOUN
fsr-3889	37	32	equity	equity	NOUN
fsr-3889	37	33	and	and	CCONJ
fsr-3889	37	34	home	home	NOUN
fsr-3889	37	35	ownership	ownership	NOUN
fsr-3889	37	36	.	.	PUNCT
fsr-3889	38	1	myers	myers	PROPN
fsr-3889	38	2	150	150	NUM
fsr-3889	38	3	m.s	m.s	PROPN
fsr-3889	38	4	.	.	PUNCT
fsr-3889	38	5	gutter	gutter	NOUN
fsr-3889	38	6	/	/	SYM
fsr-3889	38	7	financial	financial	ADJ
fsr-3889	38	8	services	service	NOUN
fsr-3889	38	9	review	review	VERB
fsr-3889	38	10	8	8	NUM
fsr-3889	38	11	(	(	PUNCT
fsr-3889	38	12	1999	1999	NUM
fsr-3889	38	13	)	)	PUNCT
fsr-3889	38	14	149–162	149–162	NUM
fsr-3889	38	15	and	and	CCONJ
fsr-3889	38	16	chung	chung	PROPN
fsr-3889	38	17	find	find	VERB
fsr-3889	38	18	that	that	SCONJ
fsr-3889	38	19	the	the	DET
fsr-3889	38	20	factors	factor	NOUN
fsr-3889	38	21	affecting	affect	VERB
fsr-3889	38	22	home	home	NOUN
fsr-3889	38	23	ownership	ownership	NOUN
fsr-3889	38	24	and	and	CCONJ
fsr-3889	38	25	home	home	NOUN
fsr-3889	38	26	equity	equity	NOUN
fsr-3889	38	27	levels	level	NOUN
fsr-3889	38	28	differ	differ	VERB
fsr-3889	38	29	between	between	ADP
fsr-3889	38	30	blacks	black	NOUN
fsr-3889	38	31	and	and	CCONJ
fsr-3889	38	32	whites	white	NOUN
fsr-3889	38	33	.	.	PUNCT
fsr-3889	39	1	in	in	ADP
fsr-3889	39	2	particular	particular	ADJ
fsr-3889	39	3	,	,	PUNCT
fsr-3889	39	4	black	black	ADJ
fsr-3889	39	5	married	marry	VERB
fsr-3889	39	6	females	female	NOUN
fsr-3889	39	7	with	with	ADP
fsr-3889	39	8	higher	high	ADJ
fsr-3889	39	9	incomes	income	NOUN
fsr-3889	39	10	and	and	CCONJ
fsr-3889	39	11	higher	high	ADJ
fsr-3889	39	12	cognitive	cognitive	ADJ
fsr-3889	39	13	skills	skill	NOUN
fsr-3889	39	14	show	show	VERB
fsr-3889	39	15	higher	high	ADJ
fsr-3889	39	16	levels	level	NOUN
fsr-3889	39	17	of	of	ADP
fsr-3889	39	18	home	home	NOUN
fsr-3889	39	19	ownership	ownership	NOUN
fsr-3889	39	20	;	;	PUNCT
fsr-3889	39	21	age	age	NOUN
fsr-3889	39	22	,	,	PUNCT
fsr-3889	39	23	number	number	NOUN
fsr-3889	39	24	of	of	ADP
fsr-3889	39	25	years	year	NOUN
fsr-3889	39	26	married	married	ADJ
fsr-3889	39	27	,	,	PUNCT
fsr-3889	39	28	and	and	CCONJ
fsr-3889	39	29	length	length	NOUN
fsr-3889	39	30	of	of	ADP
fsr-3889	39	31	investment	investment	NOUN
fsr-3889	39	32	horizon	horizon	NOUN
fsr-3889	39	33	positively	positively	ADV
fsr-3889	39	34	influence	influence	VERB
fsr-3889	39	35	home	home	NOUN
fsr-3889	39	36	ownership	ownership	NOUN
fsr-3889	39	37	for	for	ADP
fsr-3889	39	38	white	white	ADJ
fsr-3889	39	39	married	married	ADJ
fsr-3889	39	40	females	female	NOUN
fsr-3889	39	41	.	.	PUNCT
fsr-3889	40	1	schooley	schooley	NOUN
fsr-3889	40	2	and	and	CCONJ
fsr-3889	40	3	worden	worden	NOUN
fsr-3889	40	4	(	(	PUNCT
fsr-3889	40	5	1996	1996	NUM
fsr-3889	40	6	)	)	PUNCT
fsr-3889	40	7	use	use	VERB
fsr-3889	40	8	the	the	DET
fsr-3889	40	9	1989	1989	NUM
fsr-3889	40	10	survey	survey	NOUN
fsr-3889	40	11	of	of	ADP
fsr-3889	40	12	consumer	consumer	NOUN
fsr-3889	40	13	finances	finance	NOUN
fsr-3889	40	14	to	to	PART
fsr-3889	40	15	examine	examine	VERB
fsr-3889	40	16	factors	factor	NOUN
fsr-3889	40	17	associated	associate	VERB
fsr-3889	40	18	with	with	ADP
fsr-3889	40	19	taking	take	VERB
fsr-3889	40	20	financial	financial	ADJ
fsr-3889	40	21	risks	risk	NOUN
fsr-3889	40	22	.	.	PUNCT
fsr-3889	41	1	measures	measure	NOUN
fsr-3889	41	2	of	of	ADP
fsr-3889	41	3	individual	individual	ADJ
fsr-3889	41	4	risk	risk	NOUN
fsr-3889	41	5	tolerance	tolerance	NOUN
fsr-3889	41	6	are	be	AUX
fsr-3889	41	7	calculated	calculate	VERB
fsr-3889	41	8	from	from	ADP
fsr-3889	41	9	the	the	DET
fsr-3889	41	10	actual	actual	ADJ
fsr-3889	41	11	household	household	NOUN
fsr-3889	41	12	portfolio	portfolio	NOUN
fsr-3889	41	13	allocation	allocation	NOUN
fsr-3889	41	14	.	.	PUNCT
fsr-3889	42	1	the	the	DET
fsr-3889	42	2	level	level	NOUN
fsr-3889	42	3	of	of	ADP
fsr-3889	42	4	individual	individual	ADJ
fsr-3889	42	5	risk	risk	NOUN
fsr-3889	42	6	tolerance	tolerance	NOUN
fsr-3889	42	7	is	be	AUX
fsr-3889	42	8	found	find	VERB
fsr-3889	42	9	to	to	PART
fsr-3889	42	10	relate	relate	VERB
fsr-3889	42	11	to	to	ADP
fsr-3889	42	12	socioeconomic	socioeconomic	ADJ
fsr-3889	42	13	factors	factor	NOUN
fsr-3889	42	14	,	,	PUNCT
fsr-3889	42	15	attitudes	attitude	NOUN
fsr-3889	42	16	,	,	PUNCT
fsr-3889	42	17	and	and	CCONJ
fsr-3889	42	18	expectations	expectation	NOUN
fsr-3889	42	19	of	of	ADP
fsr-3889	42	20	future	future	ADJ
fsr-3889	42	21	income	income	NOUN
fsr-3889	42	22	like	like	ADP
fsr-3889	42	23	social	social	ADJ
fsr-3889	42	24	security	security	NOUN
fsr-3889	42	25	or	or	CCONJ
fsr-3889	42	26	defined	define	VERB
fsr-3889	42	27	benefit	benefit	NOUN
fsr-3889	42	28	pensions	pension	NOUN
fsr-3889	42	29	.	.	PUNCT
fsr-3889	43	1	additionally	additionally	ADV
fsr-3889	43	2	,	,	PUNCT
fsr-3889	43	3	schooley	schooley	NOUN
fsr-3889	43	4	and	and	CCONJ
fsr-3889	43	5	worden	worden	NOUN
fsr-3889	43	6	find	find	VERB
fsr-3889	43	7	that	that	SCONJ
fsr-3889	43	8	self	self	NOUN
fsr-3889	43	9	-	-	PUNCT
fsr-3889	43	10	reported	report	VERB
fsr-3889	43	11	relative	relative	ADJ
fsr-3889	43	12	risk	risk	NOUN
fsr-3889	43	13	aversion	aversion	NOUN
fsr-3889	43	14	accurately	accurately	ADV
fsr-3889	43	15	reflects	reflect	VERB
fsr-3889	43	16	the	the	DET
fsr-3889	43	17	observed	observed	ADJ
fsr-3889	43	18	riskiness	riskiness	NOUN
fsr-3889	43	19	of	of	ADP
fsr-3889	43	20	the	the	DET
fsr-3889	43	21	household	household	NOUN
fsr-3889	43	22	portfolio	portfolio	NOUN
fsr-3889	43	23	allocation	allocation	NOUN
fsr-3889	43	24	.	.	PUNCT
fsr-3889	44	1	embrey	embrey	PROPN
fsr-3889	44	2	and	and	CCONJ
fsr-3889	44	3	fox	fox	PROPN
fsr-3889	44	4	(	(	PUNCT
fsr-3889	44	5	1997	1997	NUM
fsr-3889	44	6	)	)	PUNCT
fsr-3889	44	7	use	use	VERB
fsr-3889	44	8	the	the	DET
fsr-3889	44	9	1995	1995	NUM
fsr-3889	44	10	survey	survey	NOUN
fsr-3889	44	11	of	of	ADP
fsr-3889	44	12	consumer	consumer	NOUN
fsr-3889	44	13	finances	finance	NOUN
fsr-3889	44	14	to	to	PART
fsr-3889	44	15	analyze	analyze	VERB
fsr-3889	44	16	gender	gender	NOUN
fsr-3889	44	17	differences	difference	NOUN
fsr-3889	44	18	in	in	ADP
fsr-3889	44	19	investment	investment	NOUN
fsr-3889	44	20	choice	choice	NOUN
fsr-3889	44	21	among	among	ADP
fsr-3889	44	22	single	single	ADJ
fsr-3889	44	23	-	-	PUNCT
fsr-3889	44	24	person	person	NOUN
fsr-3889	44	25	households	household	NOUN
fsr-3889	44	26	.	.	PUNCT
fsr-3889	45	1	a	a	DET
fsr-3889	45	2	tobit	tobit	NOUN
fsr-3889	45	3	model	model	NOUN
fsr-3889	45	4	is	be	AUX
fsr-3889	45	5	used	use	VERB
fsr-3889	45	6	to	to	PART
fsr-3889	45	7	analyze	analyze	VERB
fsr-3889	45	8	probabilities	probability	NOUN
fsr-3889	45	9	and	and	CCONJ
fsr-3889	45	10	levels	level	NOUN
fsr-3889	45	11	of	of	ADP
fsr-3889	45	12	ownership	ownership	NOUN
fsr-3889	45	13	of	of	ADP
fsr-3889	45	14	stocks	stock	NOUN
fsr-3889	45	15	versus	versus	ADP
fsr-3889	45	16	cds	cd	NOUN
fsr-3889	45	17	.	.	PUNCT
fsr-3889	46	1	they	they	PRON
fsr-3889	46	2	find	find	VERB
fsr-3889	46	3	that	that	SCONJ
fsr-3889	46	4	single	single	ADJ
fsr-3889	46	5	women	woman	NOUN
fsr-3889	46	6	invest	invest	VERB
fsr-3889	46	7	more	more	ADV
fsr-3889	46	8	conservatively	conservatively	ADV
fsr-3889	46	9	than	than	ADP
fsr-3889	46	10	single	single	ADJ
fsr-3889	46	11	men	man	NOUN
fsr-3889	46	12	but	but	CCONJ
fsr-3889	46	13	that	that	SCONJ
fsr-3889	46	14	gender	gender	NOUN
fsr-3889	46	15	is	be	AUX
fsr-3889	46	16	not	not	PART
fsr-3889	46	17	the	the	DET
fsr-3889	46	18	significant	significant	ADJ
fsr-3889	46	19	determinant	determinant	NOUN
fsr-3889	46	20	of	of	ADP
fsr-3889	46	21	investment	investment	NOUN
fsr-3889	46	22	choice	choice	NOUN
fsr-3889	46	23	.	.	PUNCT
fsr-3889	47	1	instead	instead	ADV
fsr-3889	47	2	,	,	PUNCT
fsr-3889	47	3	differences	difference	NOUN
fsr-3889	47	4	in	in	ADP
fsr-3889	47	5	investment	investment	NOUN
fsr-3889	47	6	choice	choice	NOUN
fsr-3889	47	7	between	between	ADP
fsr-3889	47	8	single	single	ADJ
fsr-3889	47	9	men	man	NOUN
fsr-3889	47	10	and	and	CCONJ
fsr-3889	47	11	single	single	ADJ
fsr-3889	47	12	women	woman	NOUN
fsr-3889	47	13	are	be	AUX
fsr-3889	47	14	related	relate	VERB
fsr-3889	47	15	to	to	ADP
fsr-3889	47	16	differences	difference	NOUN
fsr-3889	47	17	in	in	ADP
fsr-3889	47	18	financial	financial	ADJ
fsr-3889	47	19	and	and	CCONJ
fsr-3889	47	20	demographic	demographic	ADJ
fsr-3889	47	21	characteristics	characteristic	NOUN
fsr-3889	47	22	including	include	VERB
fsr-3889	47	23	net	net	ADJ
fsr-3889	47	24	worth	worth	ADJ
fsr-3889	47	25	,	,	PUNCT
fsr-3889	47	26	income	income	NOUN
fsr-3889	47	27	,	,	PUNCT
fsr-3889	47	28	and	and	CCONJ
fsr-3889	47	29	age	age	NOUN
fsr-3889	47	30	.	.	PUNCT
fsr-3889	48	1	yuh	yuh	PROPN
fsr-3889	48	2	and	and	CCONJ
fsr-3889	48	3	hanna	hanna	PROPN
fsr-3889	48	4	(	(	PUNCT
fsr-3889	48	5	1997	1997	NUM
fsr-3889	48	6	)	)	PUNCT
fsr-3889	48	7	examine	examine	VERB
fsr-3889	48	8	the	the	DET
fsr-3889	48	9	proportion	proportion	NOUN
fsr-3889	48	10	of	of	ADP
fsr-3889	48	11	risky	risky	ADJ
fsr-3889	48	12	assets	asset	NOUN
fsr-3889	48	13	in	in	ADP
fsr-3889	48	14	retirement	retirement	NOUN
fsr-3889	48	15	portfolios	portfolio	NOUN
fsr-3889	48	16	using	use	VERB
fsr-3889	48	17	data	datum	NOUN
fsr-3889	48	18	from	from	ADP
fsr-3889	48	19	the	the	DET
fsr-3889	48	20	1992	1992	NUM
fsr-3889	48	21	survey	survey	NOUN
fsr-3889	48	22	of	of	ADP
fsr-3889	48	23	consumer	consumer	NOUN
fsr-3889	48	24	finances	finance	NOUN
fsr-3889	48	25	.	.	PUNCT
fsr-3889	49	1	yuh	yuh	PROPN
fsr-3889	49	2	and	and	CCONJ
fsr-3889	49	3	hanna	hanna	PROPN
fsr-3889	49	4	find	find	VERB
fsr-3889	49	5	that	that	SCONJ
fsr-3889	49	6	education	education	NOUN
fsr-3889	49	7	,	,	PUNCT
fsr-3889	49	8	age	age	NOUN
fsr-3889	49	9	,	,	PUNCT
fsr-3889	49	10	and	and	CCONJ
fsr-3889	49	11	risk	risk	NOUN
fsr-3889	49	12	tolerance	tolerance	NOUN
fsr-3889	49	13	predict	predict	VERB
fsr-3889	49	14	the	the	DET
fsr-3889	49	15	proportion	proportion	NOUN
fsr-3889	49	16	of	of	ADP
fsr-3889	49	17	risky	risky	ADJ
fsr-3889	49	18	assets	asset	NOUN
fsr-3889	49	19	in	in	ADP
fsr-3889	49	20	retirement	retirement	NOUN
fsr-3889	49	21	portfolios	portfolio	NOUN
fsr-3889	49	22	.	.	PUNCT
fsr-3889	50	1	they	they	PRON
fsr-3889	50	2	discuss	discuss	VERB
fsr-3889	50	3	the	the	DET
fsr-3889	50	4	need	need	NOUN
fsr-3889	50	5	for	for	ADP
fsr-3889	50	6	educating	educate	VERB
fsr-3889	50	7	workers	worker	NOUN
fsr-3889	50	8	,	,	PUNCT
fsr-3889	50	9	and	and	CCONJ
fsr-3889	50	10	make	make	VERB
fsr-3889	50	11	suggestions	suggestion	NOUN
fsr-3889	50	12	for	for	ADP
fsr-3889	50	13	benefits	benefit	NOUN
fsr-3889	50	14	coordinators	coordinator	NOUN
fsr-3889	50	15	and	and	CCONJ
fsr-3889	50	16	financial	financial	ADJ
fsr-3889	50	17	planners	planner	NOUN
fsr-3889	50	18	.	.	PUNCT
fsr-3889	51	1	in	in	ADP
fsr-3889	51	2	a	a	DET
fsr-3889	51	3	similar	similar	ADJ
fsr-3889	51	4	study	study	NOUN
fsr-3889	51	5	,	,	PUNCT
fsr-3889	51	6	yuh	yuh	PROPN
fsr-3889	51	7	and	and	CCONJ
fsr-3889	51	8	devaney	devaney	PROPN
fsr-3889	51	9	(	(	PUNCT
fsr-3889	51	10	1996	1996	NUM
fsr-3889	51	11	)	)	PUNCT
fsr-3889	51	12	find	find	VERB
fsr-3889	51	13	that	that	SCONJ
fsr-3889	51	14	characteristics	characteristic	NOUN
fsr-3889	51	15	such	such	ADJ
fsr-3889	51	16	as	as	ADP
fsr-3889	51	17	employer	employer	NOUN
fsr-3889	51	18	matching	matching	NOUN
fsr-3889	51	19	,	,	PUNCT
fsr-3889	51	20	longer	long	ADJ
fsr-3889	51	21	employment	employment	NOUN
fsr-3889	51	22	,	,	PUNCT
fsr-3889	51	23	home	home	NOUN
fsr-3889	51	24	ownership	ownership	NOUN
fsr-3889	51	25	,	,	PUNCT
fsr-3889	51	26	and	and	CCONJ
fsr-3889	51	27	higher	high	ADJ
fsr-3889	51	28	income	income	NOUN
fsr-3889	51	29	are	be	AUX
fsr-3889	51	30	positively	positively	ADV
fsr-3889	51	31	associated	associate	VERB
fsr-3889	51	32	with	with	ADP
fsr-3889	51	33	amount	amount	NOUN
fsr-3889	51	34	invested	invest	VERB
fsr-3889	51	35	in	in	ADP
fsr-3889	51	36	defined	define	VERB
fsr-3889	51	37	contribution	contribution	NOUN
fsr-3889	51	38	plans	plan	NOUN
fsr-3889	51	39	.	.	PUNCT
fsr-3889	52	1	zhong	zhong	PROPN
fsr-3889	52	2	and	and	CCONJ
fsr-3889	52	3	xiao	xiao	PROPN
fsr-3889	52	4	(	(	PUNCT
fsr-3889	52	5	1995	1995	NUM
fsr-3889	52	6	)	)	PUNCT
fsr-3889	52	7	use	use	VERB
fsr-3889	52	8	the	the	DET
fsr-3889	52	9	1989	1989	NUM
fsr-3889	52	10	survey	survey	NOUN
fsr-3889	52	11	of	of	ADP
fsr-3889	52	12	consumer	consumer	NOUN
fsr-3889	52	13	finances	finance	NOUN
fsr-3889	52	14	to	to	PART
fsr-3889	52	15	analyze	analyze	VERB
fsr-3889	52	16	factors	factor	NOUN
fsr-3889	52	17	associated	associate	VERB
fsr-3889	52	18	with	with	ADP
fsr-3889	52	19	families	family	NOUN
fsr-3889	52	20	holding	hold	VERB
fsr-3889	52	21	stocks	stock	NOUN
fsr-3889	52	22	or	or	CCONJ
fsr-3889	52	23	bonds	bond	NOUN
fsr-3889	52	24	.	.	PUNCT
fsr-3889	53	1	they	they	PRON
fsr-3889	53	2	find	find	VERB
fsr-3889	53	3	that	that	SCONJ
fsr-3889	53	4	education	education	NOUN
fsr-3889	53	5	,	,	PUNCT
fsr-3889	53	6	age	age	NOUN
fsr-3889	53	7	,	,	PUNCT
fsr-3889	53	8	and	and	CCONJ
fsr-3889	53	9	race	race	NOUN
fsr-3889	53	10	are	be	AUX
fsr-3889	53	11	significant	significant	ADJ
fsr-3889	53	12	factors	factor	NOUN
fsr-3889	53	13	in	in	ADP
fsr-3889	53	14	determining	determine	VERB
fsr-3889	53	15	stock	stock	NOUN
fsr-3889	53	16	ownership	ownership	NOUN
fsr-3889	53	17	.	.	PUNCT
fsr-3889	54	1	households	household	NOUN
fsr-3889	54	2	with	with	ADP
fsr-3889	54	3	white	white	ADJ
fsr-3889	54	4	household	household	NOUN
fsr-3889	54	5	heads	head	NOUN
fsr-3889	54	6	are	be	AUX
fsr-3889	54	7	more	more	ADV
fsr-3889	54	8	likely	likely	ADJ
fsr-3889	54	9	to	to	PART
fsr-3889	54	10	have	have	VERB
fsr-3889	54	11	stocks	stock	NOUN
fsr-3889	54	12	than	than	SCONJ
fsr-3889	54	13	are	be	AUX
fsr-3889	54	14	otherwise	otherwise	ADV
fsr-3889	54	15	similar	similar	ADJ
fsr-3889	54	16	households	household	NOUN
fsr-3889	54	17	with	with	ADP
fsr-3889	54	18	non	non	ADJ
fsr-3889	54	19	-	-	ADJ
fsr-3889	54	20	white	white	ADJ
fsr-3889	54	21	household	household	NOUN
fsr-3889	54	22	heads	head	NOUN
fsr-3889	54	23	.	.	PUNCT
fsr-3889	55	1	they	they	PRON
fsr-3889	55	2	also	also	ADV
fsr-3889	55	3	find	find	VERB
fsr-3889	55	4	that	that	SCONJ
fsr-3889	55	5	households	household	NOUN
fsr-3889	55	6	with	with	ADP
fsr-3889	55	7	more	more	ADV
fsr-3889	55	8	educated	educated	ADJ
fsr-3889	55	9	household	household	NOUN
fsr-3889	55	10	heads	head	NOUN
fsr-3889	55	11	are	be	AUX
fsr-3889	55	12	more	more	ADV
fsr-3889	55	13	likely	likely	ADJ
fsr-3889	55	14	to	to	PART
fsr-3889	55	15	have	have	VERB
fsr-3889	55	16	stocks	stock	NOUN
fsr-3889	55	17	than	than	ADP
fsr-3889	55	18	otherwise	otherwise	ADV
fsr-3889	55	19	similar	similar	ADJ
fsr-3889	55	20	households	household	NOUN
fsr-3889	55	21	with	with	ADP
fsr-3889	55	22	less	less	ADV
fsr-3889	55	23	educated	educate	VERB
fsr-3889	55	24	heads	head	NOUN
fsr-3889	55	25	.	.	PUNCT
fsr-3889	56	1	investment	investment	NOUN
fsr-3889	56	2	in	in	ADP
fsr-3889	56	3	financial	financial	ADJ
fsr-3889	56	4	wealth	wealth	NOUN
fsr-3889	56	5	and	and	CCONJ
fsr-3889	56	6	human	human	ADJ
fsr-3889	56	7	wealth	wealth	NOUN
fsr-3889	56	8	is	be	AUX
fsr-3889	56	9	analyzed	analyze	VERB
fsr-3889	56	10	by	by	ADP
fsr-3889	56	11	shaw	shaw	PROPN
fsr-3889	56	12	(	(	PUNCT
fsr-3889	56	13	1996	1996	NUM
fsr-3889	56	14	)	)	PUNCT
fsr-3889	56	15	using	use	VERB
fsr-3889	56	16	the	the	DET
fsr-3889	56	17	1983	1983	NUM
fsr-3889	56	18	through	through	ADP
fsr-3889	56	19	1986	1986	NUM
fsr-3889	56	20	panel	panel	NOUN
fsr-3889	56	21	of	of	ADP
fsr-3889	56	22	the	the	DET
fsr-3889	56	23	survey	survey	NOUN
fsr-3889	56	24	of	of	ADP
fsr-3889	56	25	consumer	consumer	NOUN
fsr-3889	56	26	finances	finance	NOUN
fsr-3889	56	27	.	.	PUNCT
fsr-3889	57	1	shaw	shaw	PROPN
fsr-3889	57	2	determines	determine	VERB
fsr-3889	57	3	that	that	PRON
fsr-3889	57	4	increased	increase	VERB
fsr-3889	57	5	risk	risk	NOUN
fsr-3889	57	6	aversion	aversion	NOUN
fsr-3889	57	7	reduces	reduce	VERB
fsr-3889	57	8	investment	investment	NOUN
fsr-3889	57	9	in	in	ADP
fsr-3889	57	10	human	human	ADJ
fsr-3889	57	11	wealth	wealth	NOUN
fsr-3889	57	12	,	,	PUNCT
fsr-3889	57	13	and	and	CCONJ
fsr-3889	57	14	that	that	PRON
fsr-3889	57	15	risk	risk	VERB
fsr-3889	57	16	tolerance	tolerance	NOUN
fsr-3889	57	17	and	and	CCONJ
fsr-3889	57	18	risky	risky	ADJ
fsr-3889	57	19	investments	investment	NOUN
fsr-3889	57	20	increase	increase	VERB
fsr-3889	57	21	with	with	ADP
fsr-3889	57	22	education	education	NOUN
fsr-3889	57	23	.	.	PUNCT
fsr-3889	58	1	shaw	shaw	PROPN
fsr-3889	58	2	concludes	conclude	VERB
fsr-3889	58	3	that	that	SCONJ
fsr-3889	58	4	this	this	DET
fsr-3889	58	5	increased	increase	VERB
fsr-3889	58	6	return	return	NOUN
fsr-3889	58	7	on	on	ADP
fsr-3889	58	8	investments	investment	NOUN
fsr-3889	58	9	is	be	AUX
fsr-3889	58	10	part	part	NOUN
fsr-3889	58	11	of	of	ADP
fsr-3889	58	12	the	the	DET
fsr-3889	58	13	return	return	NOUN
fsr-3889	58	14	to	to	ADP
fsr-3889	58	15	education	education	NOUN
fsr-3889	58	16	.	.	PUNCT
fsr-3889	59	1	bajtelsmit	bajtelsmit	NOUN
fsr-3889	59	2	,	,	PUNCT
fsr-3889	59	3	bernasek	bernasek	VERB
fsr-3889	59	4	,	,	PUNCT
fsr-3889	59	5	and	and	CCONJ
fsr-3889	59	6	jiankoplos	jiankoplos	PROPN
fsr-3889	59	7	(	(	PUNCT
fsr-3889	59	8	1999	1999	NUM
fsr-3889	59	9	)	)	PUNCT
fsr-3889	59	10	analyze	analyze	VERB
fsr-3889	59	11	gender	gender	NOUN
fsr-3889	59	12	differences	difference	NOUN
fsr-3889	59	13	in	in	ADP
fsr-3889	59	14	pension	pension	NOUN
fsr-3889	59	15	decisions	decision	NOUN
fsr-3889	59	16	.	.	PUNCT
fsr-3889	60	1	they	they	PRON
fsr-3889	60	2	include	include	VERB
fsr-3889	60	3	socioeconomic	socioeconomic	ADJ
fsr-3889	60	4	variables	variable	NOUN
fsr-3889	60	5	in	in	ADP
fsr-3889	60	6	an	an	DET
fsr-3889	60	7	expected	expect	VERB
fsr-3889	60	8	utility	utility	NOUN
fsr-3889	60	9	model	model	NOUN
fsr-3889	60	10	of	of	ADP
fsr-3889	60	11	personal	personal	ADJ
fsr-3889	60	12	investment	investment	NOUN
fsr-3889	60	13	decisions	decision	NOUN
fsr-3889	60	14	.	.	PUNCT
fsr-3889	61	1	they	they	PRON
fsr-3889	61	2	then	then	ADV
fsr-3889	61	3	estimate	estimate	VERB
fsr-3889	61	4	an	an	DET
fsr-3889	61	5	interaction	interaction	NOUN
fsr-3889	61	6	model	model	NOUN
fsr-3889	61	7	to	to	PART
fsr-3889	61	8	better	well	ADV
fsr-3889	61	9	explain	explain	VERB
fsr-3889	61	10	gender	gender	NOUN
fsr-3889	61	11	differences	difference	NOUN
fsr-3889	61	12	in	in	ADP
fsr-3889	61	13	pension	pension	NOUN
fsr-3889	61	14	decisions	decision	NOUN
fsr-3889	61	15	.	.	PUNCT
fsr-3889	62	1	the	the	DET
fsr-3889	62	2	measure	measure	NOUN
fsr-3889	62	3	of	of	ADP
fsr-3889	62	4	relative	relative	ADJ
fsr-3889	62	5	risk	risk	NOUN
fsr-3889	62	6	aversion	aversion	NOUN
fsr-3889	62	7	of	of	ADP
fsr-3889	62	8	households	household	NOUN
fsr-3889	62	9	comes	come	VERB
fsr-3889	62	10	from	from	ADP
fsr-3889	62	11	the	the	DET
fsr-3889	62	12	proportion	proportion	NOUN
fsr-3889	62	13	of	of	ADP
fsr-3889	62	14	risky	risky	ADJ
fsr-3889	62	15	assets	asset	NOUN
fsr-3889	62	16	in	in	ADP
fsr-3889	62	17	the	the	DET
fsr-3889	62	18	household	household	NOUN
fsr-3889	62	19	portfolio	portfolio	NOUN
fsr-3889	62	20	.	.	PUNCT
fsr-3889	63	1	the	the	DET
fsr-3889	63	2	authors	author	NOUN
fsr-3889	63	3	conclude	conclude	VERB
fsr-3889	63	4	that	that	SCONJ
fsr-3889	63	5	observed	observe	VERB
fsr-3889	63	6	gender	gender	NOUN
fsr-3889	63	7	differences	difference	NOUN
fsr-3889	63	8	in	in	ADP
fsr-3889	63	9	pension	pension	NOUN
fsr-3889	63	10	contributions	contribution	NOUN
fsr-3889	63	11	are	be	AUX
fsr-3889	63	12	attributable	attributable	ADJ
fsr-3889	63	13	to	to	ADP
fsr-3889	63	14	gender	gender	NOUN
fsr-3889	63	15	differences	difference	NOUN
fsr-3889	63	16	in	in	ADP
fsr-3889	63	17	151m.s	151m.s	PROPN
fsr-3889	63	18	.	.	PUNCT
fsr-3889	64	1	gutter	gutter	NOUN
fsr-3889	64	2	/	/	SYM
fsr-3889	64	3	financial	financial	ADJ
fsr-3889	64	4	services	service	NOUN
fsr-3889	64	5	review	review	VERB
fsr-3889	64	6	8	8	NUM
fsr-3889	64	7	(	(	PUNCT
fsr-3889	64	8	1999	1999	NUM
fsr-3889	64	9	)	)	PUNCT
fsr-3889	64	10	149–162	149–162	NUM
fsr-3889	64	11	behavior	behavior	NOUN
fsr-3889	64	12	;	;	PUNCT
fsr-3889	64	13	for	for	ADP
fsr-3889	64	14	example	example	NOUN
fsr-3889	64	15	,	,	PUNCT
fsr-3889	64	16	the	the	DET
fsr-3889	64	17	impact	impact	NOUN
fsr-3889	64	18	of	of	ADP
fsr-3889	64	19	age	age	NOUN
fsr-3889	64	20	,	,	PUNCT
fsr-3889	64	21	education	education	NOUN
fsr-3889	64	22	,	,	PUNCT
fsr-3889	64	23	and	and	CCONJ
fsr-3889	64	24	marital	marital	ADJ
fsr-3889	64	25	status	status	NOUN
fsr-3889	64	26	on	on	ADP
fsr-3889	64	27	women	woman	NOUN
fsr-3889	64	28	’s	’s	PART
fsr-3889	64	29	contributions	contribution	NOUN
fsr-3889	64	30	to	to	ADP
fsr-3889	64	31	pensions	pension	NOUN
fsr-3889	64	32	differ	differ	VERB
fsr-3889	64	33	from	from	ADP
fsr-3889	64	34	the	the	DET
fsr-3889	64	35	impact	impact	NOUN
fsr-3889	64	36	of	of	ADP
fsr-3889	64	37	these	these	DET
fsr-3889	64	38	same	same	ADJ
fsr-3889	64	39	variables	variable	NOUN
fsr-3889	64	40	on	on	ADP
fsr-3889	64	41	men	man	NOUN
fsr-3889	64	42	’s	’s	PART
fsr-3889	64	43	contributions	contribution	NOUN
fsr-3889	64	44	.	.	PUNCT
fsr-3889	65	1	a	a	DET
fsr-3889	65	2	common	common	ADJ
fsr-3889	65	3	approach	approach	NOUN
fsr-3889	65	4	in	in	ADP
fsr-3889	65	5	the	the	DET
fsr-3889	65	6	previous	previous	ADJ
fsr-3889	65	7	research	research	NOUN
fsr-3889	65	8	is	be	AUX
fsr-3889	65	9	to	to	PART
fsr-3889	65	10	include	include	VERB
fsr-3889	65	11	an	an	DET
fsr-3889	65	12	indicator	indicator	NOUN
fsr-3889	65	13	variable	variable	NOUN
fsr-3889	65	14	for	for	ADP
fsr-3889	65	15	race	race	NOUN
fsr-3889	65	16	in	in	ADP
fsr-3889	65	17	the	the	DET
fsr-3889	65	18	empirical	empirical	ADJ
fsr-3889	65	19	model	model	NOUN
fsr-3889	65	20	.	.	PUNCT
fsr-3889	66	1	this	this	DET
fsr-3889	66	2	indicator	indicator	NOUN
fsr-3889	66	3	variable	variable	NOUN
fsr-3889	66	4	allows	allow	VERB
fsr-3889	66	5	the	the	DET
fsr-3889	66	6	intercept	intercept	NOUN
fsr-3889	66	7	to	to	PART
fsr-3889	66	8	differ	differ	VERB
fsr-3889	66	9	between	between	ADP
fsr-3889	66	10	blacks	black	NOUN
fsr-3889	66	11	and	and	CCONJ
fsr-3889	66	12	whites	white	NOUN
fsr-3889	66	13	.	.	PUNCT
fsr-3889	67	1	a	a	DET
fsr-3889	67	2	statistically	statistically	ADV
fsr-3889	67	3	significant	significant	ADJ
fsr-3889	67	4	estimated	estimate	VERB
fsr-3889	67	5	coefficient	coefficient	NOUN
fsr-3889	67	6	on	on	ADP
fsr-3889	67	7	the	the	DET
fsr-3889	67	8	indicator	indicator	NOUN
fsr-3889	67	9	variable	variable	NOUN
fsr-3889	67	10	is	be	AUX
fsr-3889	67	11	interpreted	interpret	VERB
fsr-3889	67	12	as	as	ADP
fsr-3889	67	13	evidence	evidence	NOUN
fsr-3889	67	14	of	of	ADP
fsr-3889	67	15	a	a	DET
fsr-3889	67	16	racial	racial	ADJ
fsr-3889	67	17	difference	difference	NOUN
fsr-3889	67	18	.	.	PUNCT
fsr-3889	68	1	however	however	ADV
fsr-3889	68	2	,	,	PUNCT
fsr-3889	68	3	this	this	DET
fsr-3889	68	4	specification	specification	NOUN
fsr-3889	68	5	may	may	AUX
fsr-3889	68	6	be	be	AUX
fsr-3889	68	7	too	too	ADV
fsr-3889	68	8	simplistic	simplistic	ADJ
fsr-3889	68	9	and	and	CCONJ
fsr-3889	68	10	restrictive	restrictive	ADJ
fsr-3889	68	11	.	.	PUNCT
fsr-3889	69	1	the	the	DET
fsr-3889	69	2	individual	individual	ADJ
fsr-3889	69	3	determinants	determinant	NOUN
fsr-3889	69	4	of	of	ADP
fsr-3889	69	5	the	the	DET
fsr-3889	69	6	behavior	behavior	NOUN
fsr-3889	69	7	may	may	AUX
fsr-3889	69	8	also	also	ADV
fsr-3889	69	9	differ	differ	VERB
fsr-3889	69	10	by	by	ADP
fsr-3889	69	11	race	race	NOUN
fsr-3889	69	12	,	,	PUNCT
fsr-3889	69	13	suggesting	suggest	VERB
fsr-3889	69	14	that	that	SCONJ
fsr-3889	69	15	separate	separate	ADJ
fsr-3889	69	16	equations	equation	NOUN
fsr-3889	69	17	should	should	AUX
fsr-3889	69	18	be	be	AUX
fsr-3889	69	19	estimated	estimate	VERB
fsr-3889	69	20	for	for	ADP
fsr-3889	69	21	each	each	DET
fsr-3889	69	22	racial	racial	ADJ
fsr-3889	69	23	group	group	NOUN
fsr-3889	69	24	.	.	PUNCT
fsr-3889	70	1	bajtelsmit	bajtelsmit	NOUN
fsr-3889	70	2	,	,	PUNCT
fsr-3889	70	3	bernasek	bernasek	VERB
fsr-3889	70	4	,	,	PUNCT
fsr-3889	70	5	and	and	CCONJ
fsr-3889	70	6	jiankoplos	jiankoplos	PROPN
fsr-3889	70	7	(	(	PUNCT
fsr-3889	70	8	1999	1999	NUM
fsr-3889	70	9	)	)	PUNCT
fsr-3889	70	10	,	,	PUNCT
fsr-3889	70	11	embrey	embrey	NOUN
fsr-3889	70	12	and	and	CCONJ
fsr-3889	70	13	fox	fox	PROPN
fsr-3889	70	14	(	(	PUNCT
fsr-3889	70	15	1997	1997	NUM
fsr-3889	70	16	)	)	PUNCT
fsr-3889	70	17	,	,	PUNCT
fsr-3889	70	18	and	and	CCONJ
fsr-3889	70	19	jackson	jackson	PROPN
fsr-3889	70	20	and	and	CCONJ
fsr-3889	70	21	lindley	lindley	PROPN
fsr-3889	70	22	(	(	PUNCT
fsr-3889	70	23	1989	1989	NUM
fsr-3889	70	24	)	)	PUNCT
fsr-3889	70	25	take	take	VERB
fsr-3889	70	26	this	this	DET
fsr-3889	70	27	more	more	ADV
fsr-3889	70	28	flexible	flexible	ADJ
fsr-3889	70	29	approach	approach	NOUN
fsr-3889	70	30	,	,	PUNCT
fsr-3889	70	31	and	and	CCONJ
fsr-3889	70	32	we	we	PRON
fsr-3889	70	33	use	use	VERB
fsr-3889	70	34	similar	similar	ADJ
fsr-3889	70	35	methods	method	NOUN
fsr-3889	70	36	in	in	ADP
fsr-3889	70	37	this	this	DET
fsr-3889	70	38	study	study	NOUN
fsr-3889	70	39	.	.	PUNCT
fsr-3889	71	1	the	the	DET
fsr-3889	71	2	purpose	purpose	NOUN
fsr-3889	71	3	of	of	ADP
fsr-3889	71	4	this	this	DET
fsr-3889	71	5	study	study	NOUN
fsr-3889	71	6	is	be	AUX
fsr-3889	71	7	to	to	PART
fsr-3889	71	8	incorporate	incorporate	VERB
fsr-3889	71	9	socioeconomic	socioeconomic	ADJ
fsr-3889	71	10	,	,	PUNCT
fsr-3889	71	11	financial	financial	ADJ
fsr-3889	71	12	,	,	PUNCT
fsr-3889	71	13	and	and	CCONJ
fsr-3889	71	14	attitudinal	attitudinal	ADJ
fsr-3889	71	15	variables	variable	NOUN
fsr-3889	71	16	into	into	ADP
fsr-3889	71	17	the	the	DET
fsr-3889	71	18	investment	investment	NOUN
fsr-3889	71	19	decision	decision	NOUN
fsr-3889	71	20	model	model	NOUN
fsr-3889	71	21	.	.	PUNCT
fsr-3889	72	1	the	the	DET
fsr-3889	72	2	model	model	NOUN
fsr-3889	72	3	allows	allow	VERB
fsr-3889	72	4	the	the	DET
fsr-3889	72	5	impact	impact	NOUN
fsr-3889	72	6	of	of	ADP
fsr-3889	72	7	these	these	DET
fsr-3889	72	8	variables	variable	NOUN
fsr-3889	72	9	to	to	PART
fsr-3889	72	10	differ	differ	VERB
fsr-3889	72	11	between	between	ADP
fsr-3889	72	12	black	black	ADJ
fsr-3889	72	13	households	household	NOUN
fsr-3889	72	14	and	and	CCONJ
fsr-3889	72	15	white	white	ADJ
fsr-3889	72	16	households	household	NOUN
fsr-3889	72	17	to	to	PART
fsr-3889	72	18	explain	explain	VERB
fsr-3889	72	19	racial	racial	ADJ
fsr-3889	72	20	differences	difference	NOUN
fsr-3889	72	21	in	in	ADP
fsr-3889	72	22	the	the	DET
fsr-3889	72	23	likelihood	likelihood	NOUN
fsr-3889	72	24	of	of	ADP
fsr-3889	72	25	ownership	ownership	NOUN
fsr-3889	72	26	of	of	ADP
fsr-3889	72	27	stocks	stock	NOUN
fsr-3889	72	28	and/or	and/or	CCONJ
fsr-3889	72	29	small	small	ADJ
fsr-3889	72	30	businesses	business	NOUN
fsr-3889	72	31	.	.	PUNCT
fsr-3889	73	1	economic	economic	ADJ
fsr-3889	73	2	theory	theory	NOUN
fsr-3889	73	3	provides	provide	VERB
fsr-3889	73	4	the	the	DET
fsr-3889	73	5	framework	framework	NOUN
fsr-3889	73	6	for	for	ADP
fsr-3889	73	7	the	the	DET
fsr-3889	73	8	investment	investment	NOUN
fsr-3889	73	9	decision	decision	NOUN
fsr-3889	73	10	model	model	NOUN
fsr-3889	73	11	.	.	PUNCT
fsr-3889	74	1	the	the	DET
fsr-3889	74	2	basic	basic	ADJ
fsr-3889	74	3	model	model	NOUN
fsr-3889	74	4	builds	build	VERB
fsr-3889	74	5	on	on	ADP
fsr-3889	74	6	the	the	DET
fsr-3889	74	7	notion	notion	NOUN
fsr-3889	74	8	of	of	ADP
fsr-3889	74	9	lifetime	lifetime	NOUN
fsr-3889	74	10	utility	utility	NOUN
fsr-3889	74	11	maximization	maximization	NOUN
fsr-3889	74	12	from	from	ADP
fsr-3889	74	13	wealth	wealth	NOUN
fsr-3889	74	14	accumulation	accumulation	NOUN
fsr-3889	74	15	through	through	ADP
fsr-3889	74	16	periods	period	NOUN
fsr-3889	74	17	of	of	ADP
fsr-3889	74	18	borrowing	borrowing	NOUN
fsr-3889	74	19	and	and	CCONJ
fsr-3889	74	20	saving	saving	NOUN
fsr-3889	74	21	.	.	PUNCT
fsr-3889	75	1	the	the	DET
fsr-3889	75	2	allocation	allocation	NOUN
fsr-3889	75	3	of	of	ADP
fsr-3889	75	4	lifetime	lifetime	NOUN
fsr-3889	75	5	resources	resource	NOUN
fsr-3889	75	6	between	between	ADP
fsr-3889	75	7	current	current	ADJ
fsr-3889	75	8	and	and	CCONJ
fsr-3889	75	9	future	future	ADJ
fsr-3889	75	10	consumption	consumption	NOUN
fsr-3889	75	11	was	be	AUX
fsr-3889	75	12	first	first	ADV
fsr-3889	75	13	formally	formally	ADV
fsr-3889	75	14	introduced	introduce	VERB
fsr-3889	75	15	in	in	ADP
fsr-3889	75	16	ando	ando	PROPN
fsr-3889	75	17	and	and	CCONJ
fsr-3889	75	18	modigliani	modigliani	PROPN
fsr-3889	75	19	’s	’s	PART
fsr-3889	75	20	(	(	PUNCT
fsr-3889	75	21	1963	1963	NUM
fsr-3889	75	22	)	)	PUNCT
fsr-3889	75	23	life	life	NOUN
fsr-3889	75	24	cycle	cycle	NOUN
fsr-3889	75	25	hypothesis	hypothesis	NOUN
fsr-3889	75	26	of	of	ADP
fsr-3889	75	27	savings	saving	NOUN
fsr-3889	75	28	.	.	PUNCT
fsr-3889	76	1	they	they	PRON
fsr-3889	76	2	state	state	VERB
fsr-3889	76	3	that	that	SCONJ
fsr-3889	76	4	the	the	DET
fsr-3889	76	5	aggregate	aggregate	ADJ
fsr-3889	76	6	consumption	consumption	NOUN
fsr-3889	76	7	/	/	SYM
fsr-3889	76	8	saving	save	VERB
fsr-3889	76	9	choice	choice	NOUN
fsr-3889	76	10	is	be	AUX
fsr-3889	76	11	a	a	DET
fsr-3889	76	12	function	function	NOUN
fsr-3889	76	13	of	of	ADP
fsr-3889	76	14	perception	perception	NOUN
fsr-3889	76	15	of	of	ADP
fsr-3889	76	16	permanent	permanent	ADJ
fsr-3889	76	17	income	income	NOUN
fsr-3889	76	18	,	,	PUNCT
fsr-3889	76	19	demographics	demographic	NOUN
fsr-3889	76	20	,	,	PUNCT
fsr-3889	76	21	and	and	CCONJ
fsr-3889	76	22	interest	interest	NOUN
fsr-3889	76	23	rates	rate	NOUN
fsr-3889	76	24	on	on	ADP
fsr-3889	76	25	borrowing	borrowing	NOUN
fsr-3889	76	26	and	and	CCONJ
fsr-3889	76	27	savings	saving	NOUN
fsr-3889	76	28	.	.	PUNCT
fsr-3889	77	1	the	the	DET
fsr-3889	77	2	basic	basic	ADJ
fsr-3889	77	3	model	model	NOUN
fsr-3889	77	4	assumes	assume	VERB
fsr-3889	77	5	no	no	DET
fsr-3889	77	6	bequest	bequest	NOUN
fsr-3889	77	7	motive	motive	NOUN
fsr-3889	77	8	.	.	PUNCT
fsr-3889	78	1	expanding	expand	VERB
fsr-3889	78	2	on	on	ADP
fsr-3889	78	3	this	this	PRON
fsr-3889	78	4	,	,	PUNCT
fsr-3889	78	5	deaton	deaton	PROPN
fsr-3889	78	6	(	(	PUNCT
fsr-3889	78	7	1992	1992	NUM
fsr-3889	78	8	)	)	PUNCT
fsr-3889	78	9	outlines	outline	VERB
fsr-3889	78	10	the	the	DET
fsr-3889	78	11	following	follow	VERB
fsr-3889	78	12	two	two	NUM
fsr-3889	78	13	period	period	NOUN
fsr-3889	78	14	budget	budget	NOUN
fsr-3889	78	15	constraint	constraint	NOUN
fsr-3889	78	16	for	for	ADP
fsr-3889	78	17	the	the	DET
fsr-3889	78	18	representative	representative	ADJ
fsr-3889	78	19	consumer	consumer	NOUN
fsr-3889	78	20	:	:	PUNCT
fsr-3889	78	21	at11	at11	PROPN
fsr-3889	78	22	5	5	NUM
fsr-3889	78	23	(	(	PUNCT
fsr-3889	78	24	1	1	NUM
fsr-3889	78	25	1	1	NUM
fsr-3889	78	26	rt11	rt11	PROPN
fsr-3889	78	27	)	)	PUNCT
fsr-3889	78	28	(	(	PUNCT
fsr-3889	78	29	at	at	ADP
fsr-3889	78	30	1	1	NUM
fsr-3889	78	31	yt	yt	PROPN
fsr-3889	78	32	-	-	PUNCT
fsr-3889	78	33	ct	ct	NOUN
fsr-3889	78	34	)	)	PUNCT
fsr-3889	78	35	(	(	PUNCT
fsr-3889	78	36	1	1	X
fsr-3889	78	37	)	)	PUNCT
fsr-3889	78	38	where	where	SCONJ
fsr-3889	78	39	:	:	PUNCT
fsr-3889	78	40	at11	at11	PROPN
fsr-3889	78	41	5	5	NUM
fsr-3889	78	42	assets	asset	NOUN
fsr-3889	78	43	at	at	ADP
fsr-3889	78	44	time	time	NOUN
fsr-3889	78	45	t1	t1	NOUN
fsr-3889	78	46	1	1	NUM
fsr-3889	78	47	rt11	rt11	PROPN
fsr-3889	78	48	5	5	NUM
fsr-3889	78	49	the	the	DET
fsr-3889	78	50	real	real	ADJ
fsr-3889	78	51	rate	rate	NOUN
fsr-3889	78	52	of	of	ADP
fsr-3889	78	53	return	return	NOUN
fsr-3889	78	54	at	at	ADP
fsr-3889	78	55	5	5	NUM
fsr-3889	78	56	assets	asset	NOUN
fsr-3889	78	57	in	in	ADP
fsr-3889	78	58	period	period	NOUN
fsr-3889	78	59	t	t	X
fsr-3889	78	60	yt	yt	VERB
fsr-3889	78	61	5	5	NUM
fsr-3889	78	62	income	income	NOUN
fsr-3889	78	63	in	in	ADP
fsr-3889	78	64	period	period	NOUN
fsr-3889	78	65	t	t	X
fsr-3889	78	66	ct	ct	NUM
fsr-3889	78	67	5	5	NUM
fsr-3889	78	68	consumption	consumption	NOUN
fsr-3889	78	69	in	in	ADP
fsr-3889	78	70	period	period	NOUN
fsr-3889	78	71	t.	t.	NOUN
fsr-3889	78	72	this	this	DET
fsr-3889	78	73	function	function	NOUN
fsr-3889	78	74	incorporates	incorporate	VERB
fsr-3889	78	75	both	both	DET
fsr-3889	78	76	current	current	ADJ
fsr-3889	78	77	income	income	NOUN
fsr-3889	78	78	and	and	CCONJ
fsr-3889	78	79	factors	factor	NOUN
fsr-3889	78	80	that	that	PRON
fsr-3889	78	81	may	may	AUX
fsr-3889	78	82	affect	affect	VERB
fsr-3889	78	83	the	the	DET
fsr-3889	78	84	perception	perception	NOUN
fsr-3889	78	85	of	of	ADP
fsr-3889	78	86	future	future	ADJ
fsr-3889	78	87	income	income	NOUN
fsr-3889	78	88	flows	flow	NOUN
fsr-3889	78	89	.	.	PUNCT
fsr-3889	79	1	deaton	deaton	PROPN
fsr-3889	79	2	describes	describe	VERB
fsr-3889	79	3	current	current	ADJ
fsr-3889	79	4	utility	utility	NOUN
fsr-3889	79	5	as	as	ADP
fsr-3889	79	6	the	the	DET
fsr-3889	79	7	present	present	ADJ
fsr-3889	79	8	and	and	CCONJ
fsr-3889	79	9	future	future	ADJ
fsr-3889	79	10	discounted	discount	VERB
fsr-3889	79	11	values	value	NOUN
fsr-3889	79	12	of	of	ADP
fsr-3889	79	13	the	the	DET
fsr-3889	79	14	felicity	felicity	NOUN
fsr-3889	79	15	or	or	CCONJ
fsr-3889	79	16	happiness	happiness	NOUN
fsr-3889	79	17	associated	associate	VERB
fsr-3889	79	18	with	with	ADP
fsr-3889	79	19	consumption	consumption	NOUN
fsr-3889	79	20	.	.	PUNCT
fsr-3889	80	1	the	the	DET
fsr-3889	80	2	value	value	NOUN
fsr-3889	80	3	function	function	NOUN
fsr-3889	80	4	equation	equation	NOUN
fsr-3889	80	5	is	be	AUX
fsr-3889	80	6	given	give	VERB
fsr-3889	80	7	by	by	ADP
fsr-3889	80	8	:	:	PUNCT
fsr-3889	80	9	vt(at	vt(at	NOUN
fsr-3889	80	10	)	)	PUNCT
fsr-3889	80	11	5	5	NUM
fsr-3889	80	12	max	max	NOUN
fsr-3889	80	13	n[yt(yt	n[yt(yt	ADV
fsr-3889	80	14	1	1	NUM
fsr-3889	80	15	at	at	ADP
fsr-3889	80	16	(	(	PUNCT
fsr-3889	80	17	ni	ni	NOUN
fsr-3889	80	18	)	)	PUNCT
fsr-3889	80	19	1	1	NUM
fsr-3889	80	20	etvt11(1	etvt11(1	NOUN
fsr-3889	80	21	1	1	NUM
fsr-3889	80	22	rit11((ni	rit11((ni	PROPN
fsr-3889	80	23	)	)	PUNCT
fsr-3889	80	24	)	)	PUNCT
fsr-3889	80	25	]	]	PUNCT
fsr-3889	81	1	(	(	PUNCT
fsr-3889	81	2	2	2	X
fsr-3889	81	3	)	)	PUNCT
fsr-3889	81	4	where	where	SCONJ
fsr-3889	81	5	:	:	PUNCT
fsr-3889	81	6	vt(at	vt(at	NOUN
fsr-3889	81	7	)	)	PUNCT
fsr-3889	81	8	5	5	NUM
fsr-3889	81	9	the	the	DET
fsr-3889	81	10	value	value	NOUN
fsr-3889	81	11	function	function	NOUN
fsr-3889	81	12	for	for	ADP
fsr-3889	81	13	current	current	ADJ
fsr-3889	81	14	assets	asset	NOUN
fsr-3889	81	15	in	in	ADP
fsr-3889	81	16	period	period	NOUN
fsr-3889	81	17	t	t	PROPN
fsr-3889	81	18	152	152	NUM
fsr-3889	81	19	m.s	m.s	PROPN
fsr-3889	81	20	.	.	PUNCT
fsr-3889	81	21	gutter	gutter	NOUN
fsr-3889	81	22	/	/	SYM
fsr-3889	81	23	financial	financial	ADJ
fsr-3889	81	24	services	service	NOUN
fsr-3889	81	25	review	review	VERB
fsr-3889	81	26	8	8	NUM
fsr-3889	81	27	(	(	PUNCT
fsr-3889	81	28	1999	1999	NUM
fsr-3889	81	29	)	)	PUNCT
fsr-3889	81	30	149–162	149–162	NUM
fsr-3889	81	31	n	n	SYM
fsr-3889	81	32	5	5	NUM
fsr-3889	81	33	the	the	DET
fsr-3889	81	34	number	number	NOUN
fsr-3889	81	35	of	of	ADP
fsr-3889	81	36	assets	asset	NOUN
fsr-3889	81	37	vt	vt	PROPN
fsr-3889	81	38	5	5	NUM
fsr-3889	81	39	the	the	DET
fsr-3889	81	40	marginal	marginal	ADJ
fsr-3889	81	41	rate	rate	NOUN
fsr-3889	81	42	of	of	ADP
fsr-3889	81	43	felicity	felicity	NOUN
fsr-3889	81	44	in	in	ADP
fsr-3889	81	45	period	period	NOUN
fsr-3889	81	46	t	t	X
fsr-3889	81	47	yt	yt	VERB
fsr-3889	81	48	5	5	NUM
fsr-3889	81	49	income	income	NOUN
fsr-3889	81	50	in	in	ADP
fsr-3889	81	51	period	period	NOUN
fsr-3889	81	52	t	t	NOUN
fsr-3889	81	53	at	at	ADP
fsr-3889	81	54	5	5	NUM
fsr-3889	81	55	assets	asset	NOUN
fsr-3889	81	56	in	in	ADP
fsr-3889	81	57	period	period	NOUN
fsr-3889	81	58	t	t	PROPN
fsr-3889	81	59	ni	ni	PROPN
fsr-3889	81	60	5	5	NUM
fsr-3889	81	61	real	real	ADJ
fsr-3889	81	62	expenditures	expenditure	NOUN
fsr-3889	81	63	on	on	ADP
fsr-3889	81	64	assets	asset	NOUN
fsr-3889	81	65	etvt11(11rit11(sni	etvt11(11rit11(sni	NOUN
fsr-3889	81	66	)	)	PUNCT
fsr-3889	81	67	)	)	PUNCT
fsr-3889	81	68	5	5	NUM
fsr-3889	82	1	the	the	DET
fsr-3889	82	2	expected	expect	VERB
fsr-3889	82	3	future	future	ADJ
fsr-3889	82	4	value	value	NOUN
fsr-3889	82	5	of	of	ADP
fsr-3889	82	6	assets	asset	NOUN
fsr-3889	82	7	.	.	PUNCT
fsr-3889	83	1	maximizing	maximize	VERB
fsr-3889	83	2	equation	equation	NOUN
fsr-3889	83	3	2	2	NUM
fsr-3889	83	4	subject	subject	NOUN
fsr-3889	83	5	to	to	ADP
fsr-3889	83	6	equation	equation	NOUN
fsr-3889	83	7	1	1	NUM
fsr-3889	83	8	yields	yield	NOUN
fsr-3889	83	9	equation	equation	NOUN
fsr-3889	83	10	3	3	NUM
fsr-3889	83	11	yt(ct)5et[(11rit11)vt11(at11	yt(ct)5et[(11rit11)vt11(at11	NOUN
fsr-3889	83	12	)	)	PUNCT
fsr-3889	83	13	]	]	PUNCT
fsr-3889	84	1	(	(	PUNCT
fsr-3889	84	2	3	3	X
fsr-3889	84	3	)	)	PUNCT
fsr-3889	84	4	according	accord	VERB
fsr-3889	84	5	to	to	ADP
fsr-3889	84	6	eq	eq	PROPN
fsr-3889	84	7	.	.	PUNCT
fsr-3889	85	1	(	(	PUNCT
fsr-3889	85	2	3	3	NUM
fsr-3889	85	3	)	)	PUNCT
fsr-3889	85	4	,	,	PUNCT
fsr-3889	85	5	the	the	DET
fsr-3889	85	6	marginal	marginal	ADJ
fsr-3889	85	7	felicity	felicity	NOUN
fsr-3889	85	8	of	of	ADP
fsr-3889	85	9	consumption	consumption	NOUN
fsr-3889	85	10	today	today	NOUN
fsr-3889	85	11	is	be	AUX
fsr-3889	85	12	a	a	DET
fsr-3889	85	13	function	function	NOUN
fsr-3889	85	14	of	of	ADP
fsr-3889	85	15	the	the	DET
fsr-3889	85	16	expected	expect	VERB
fsr-3889	85	17	value	value	NOUN
fsr-3889	85	18	of	of	ADP
fsr-3889	85	19	money	money	NOUN
fsr-3889	85	20	at	at	ADP
fsr-3889	85	21	some	some	DET
fsr-3889	85	22	nonzero	nonzero	NOUN
fsr-3889	85	23	interest	interest	NOUN
fsr-3889	85	24	rate	rate	NOUN
fsr-3889	85	25	.	.	PUNCT
fsr-3889	86	1	in	in	ADP
fsr-3889	86	2	other	other	ADJ
fsr-3889	86	3	words	word	NOUN
fsr-3889	86	4	,	,	PUNCT
fsr-3889	86	5	the	the	DET
fsr-3889	86	6	marginal	marginal	ADJ
fsr-3889	86	7	felicity	felicity	NOUN
fsr-3889	86	8	or	or	CCONJ
fsr-3889	86	9	utility	utility	NOUN
fsr-3889	86	10	of	of	ADP
fsr-3889	86	11	consumption	consumption	NOUN
fsr-3889	86	12	will	will	AUX
fsr-3889	86	13	be	be	AUX
fsr-3889	86	14	affected	affect	VERB
fsr-3889	86	15	by	by	ADP
fsr-3889	86	16	the	the	DET
fsr-3889	86	17	rate	rate	NOUN
fsr-3889	86	18	of	of	ADP
fsr-3889	86	19	return	return	NOUN
fsr-3889	86	20	on	on	ADP
fsr-3889	86	21	savings	saving	NOUN
fsr-3889	86	22	.	.	PUNCT
fsr-3889	87	1	thus	thus	ADV
fsr-3889	87	2	,	,	PUNCT
fsr-3889	87	3	a	a	DET
fsr-3889	87	4	higher	high	ADJ
fsr-3889	87	5	return	return	NOUN
fsr-3889	87	6	on	on	ADP
fsr-3889	87	7	savings	saving	NOUN
fsr-3889	87	8	yields	yield	NOUN
fsr-3889	87	9	higher	high	ADJ
fsr-3889	87	10	possible	possible	ADJ
fsr-3889	87	11	consumption	consumption	NOUN
fsr-3889	87	12	and	and	CCONJ
fsr-3889	87	13	hence	hence	ADV
fsr-3889	87	14	higher	high	ADJ
fsr-3889	87	15	possible	possible	ADJ
fsr-3889	87	16	utility	utility	NOUN
fsr-3889	87	17	.	.	PUNCT
fsr-3889	88	1	the	the	DET
fsr-3889	88	2	underlying	underlying	ADJ
fsr-3889	88	3	economic	economic	ADJ
fsr-3889	88	4	theory	theory	NOUN
fsr-3889	88	5	relates	relate	VERB
fsr-3889	88	6	investment	investment	NOUN
fsr-3889	88	7	choice	choice	NOUN
fsr-3889	88	8	to	to	ADP
fsr-3889	88	9	various	various	ADJ
fsr-3889	88	10	characteristics	characteristic	NOUN
fsr-3889	88	11	.	.	PUNCT
fsr-3889	89	1	in	in	ADP
fsr-3889	89	2	a	a	DET
fsr-3889	89	3	world	world	NOUN
fsr-3889	89	4	of	of	ADP
fsr-3889	89	5	real	real	ADJ
fsr-3889	89	6	nonzero	nonzero	ADJ
fsr-3889	89	7	interest	interest	NOUN
fsr-3889	89	8	rates	rate	NOUN
fsr-3889	89	9	,	,	PUNCT
fsr-3889	89	10	there	there	PRON
fsr-3889	89	11	is	be	VERB
fsr-3889	89	12	an	an	DET
fsr-3889	89	13	opportunity	opportunity	NOUN
fsr-3889	89	14	cost	cost	NOUN
fsr-3889	89	15	of	of	ADP
fsr-3889	89	16	not	not	PART
fsr-3889	89	17	saving	save	VERB
fsr-3889	89	18	.	.	PUNCT
fsr-3889	90	1	the	the	DET
fsr-3889	90	2	opportunity	opportunity	NOUN
fsr-3889	90	3	cost	cost	NOUN
fsr-3889	90	4	is	be	AUX
fsr-3889	90	5	the	the	DET
fsr-3889	90	6	rate	rate	NOUN
fsr-3889	90	7	of	of	ADP
fsr-3889	90	8	return	return	NOUN
fsr-3889	90	9	that	that	PRON
fsr-3889	90	10	could	could	AUX
fsr-3889	90	11	be	be	AUX
fsr-3889	90	12	earned	earn	VERB
fsr-3889	90	13	on	on	ADP
fsr-3889	90	14	savings	saving	NOUN
fsr-3889	90	15	.	.	PUNCT
fsr-3889	91	1	the	the	PRON
fsr-3889	91	2	higher	high	ADJ
fsr-3889	91	3	the	the	DET
fsr-3889	91	4	rate	rate	NOUN
fsr-3889	91	5	of	of	ADP
fsr-3889	91	6	return	return	NOUN
fsr-3889	91	7	,	,	PUNCT
fsr-3889	91	8	the	the	DET
fsr-3889	91	9	more	more	ADV
fsr-3889	91	10	overall	overall	ADJ
fsr-3889	91	11	consumption	consumption	NOUN
fsr-3889	91	12	can	can	AUX
fsr-3889	91	13	be	be	AUX
fsr-3889	91	14	increased	increase	VERB
fsr-3889	91	15	through	through	ADP
fsr-3889	91	16	saving	save	VERB
fsr-3889	91	17	and	and	CCONJ
fsr-3889	91	18	investing	investing	NOUN
fsr-3889	91	19	that	that	PRON
fsr-3889	91	20	also	also	ADV
fsr-3889	91	21	increases	increase	VERB
fsr-3889	91	22	total	total	ADJ
fsr-3889	91	23	lifetime	lifetime	NOUN
fsr-3889	91	24	utility	utility	NOUN
fsr-3889	91	25	.	.	PUNCT
fsr-3889	92	1	because	because	SCONJ
fsr-3889	92	2	stocks	stock	NOUN
fsr-3889	92	3	have	have	VERB
fsr-3889	92	4	the	the	DET
fsr-3889	92	5	highest	high	ADJ
fsr-3889	92	6	real	real	ADJ
fsr-3889	92	7	rate	rate	NOUN
fsr-3889	92	8	of	of	ADP
fsr-3889	92	9	return	return	NOUN
fsr-3889	92	10	in	in	ADP
fsr-3889	92	11	the	the	DET
fsr-3889	92	12	long	long	ADJ
fsr-3889	92	13	run	run	NOUN
fsr-3889	92	14	(	(	PUNCT
fsr-3889	92	15	siegel	siegel	NOUN
fsr-3889	92	16	,	,	PUNCT
fsr-3889	92	17	1994	1994	NUM
fsr-3889	92	18	)	)	PUNCT
fsr-3889	92	19	,	,	PUNCT
fsr-3889	92	20	it	it	PRON
fsr-3889	92	21	is	be	AUX
fsr-3889	92	22	rational	rational	ADJ
fsr-3889	92	23	for	for	SCONJ
fsr-3889	92	24	investors	investor	NOUN
fsr-3889	92	25	to	to	PART
fsr-3889	92	26	hold	hold	VERB
fsr-3889	92	27	stocks	stock	NOUN
fsr-3889	92	28	to	to	PART
fsr-3889	92	29	maximize	maximize	VERB
fsr-3889	92	30	lifetime	lifetime	NOUN
fsr-3889	92	31	returns	return	NOUN
fsr-3889	92	32	.	.	PUNCT
fsr-3889	93	1	in	in	ADP
fsr-3889	93	2	addition	addition	NOUN
fsr-3889	93	3	,	,	PUNCT
fsr-3889	93	4	ownership	ownership	NOUN
fsr-3889	93	5	of	of	ADP
fsr-3889	93	6	a	a	DET
fsr-3889	93	7	business	business	NOUN
fsr-3889	93	8	has	have	VERB
fsr-3889	93	9	a	a	DET
fsr-3889	93	10	high	high	ADJ
fsr-3889	93	11	potential	potential	ADJ
fsr-3889	93	12	return	return	NOUN
fsr-3889	93	13	if	if	SCONJ
fsr-3889	93	14	successful	successful	ADJ
fsr-3889	93	15	.	.	PUNCT
fsr-3889	94	1	3	3	X
fsr-3889	94	2	.	.	X
fsr-3889	94	3	methodology	methodology	NOUN
fsr-3889	94	4	this	this	DET
fsr-3889	94	5	study	study	NOUN
fsr-3889	94	6	uses	use	VERB
fsr-3889	94	7	data	datum	NOUN
fsr-3889	94	8	from	from	ADP
fsr-3889	94	9	the	the	DET
fsr-3889	94	10	1995	1995	NUM
fsr-3889	94	11	survey	survey	NOUN
fsr-3889	94	12	of	of	ADP
fsr-3889	94	13	consumer	consumer	NOUN
fsr-3889	94	14	finances	finance	NOUN
fsr-3889	94	15	.	.	PUNCT
fsr-3889	95	1	the	the	DET
fsr-3889	95	2	survey	survey	NOUN
fsr-3889	95	3	,	,	PUNCT
fsr-3889	95	4	sponsored	sponsor	VERB
fsr-3889	95	5	by	by	ADP
fsr-3889	95	6	the	the	DET
fsr-3889	95	7	federal	federal	PROPN
fsr-3889	95	8	reserve	reserve	PROPN
fsr-3889	95	9	board	board	PROPN
fsr-3889	95	10	with	with	ADP
fsr-3889	95	11	cooperation	cooperation	NOUN
fsr-3889	95	12	from	from	ADP
fsr-3889	95	13	the	the	DET
fsr-3889	95	14	department	department	NOUN
fsr-3889	95	15	of	of	ADP
fsr-3889	95	16	the	the	DET
fsr-3889	95	17	treasury	treasury	NOUN
fsr-3889	95	18	,	,	PUNCT
fsr-3889	95	19	provides	provide	VERB
fsr-3889	95	20	detailed	detailed	ADJ
fsr-3889	95	21	information	information	NOUN
fsr-3889	95	22	about	about	ADP
fsr-3889	95	23	household	household	NOUN
fsr-3889	95	24	asset	asset	NOUN
fsr-3889	95	25	holdings	holding	NOUN
fsr-3889	95	26	and	and	CCONJ
fsr-3889	95	27	debt	debt	NOUN
fsr-3889	95	28	.	.	PUNCT
fsr-3889	96	1	the	the	DET
fsr-3889	96	2	sample	sample	NOUN
fsr-3889	96	3	for	for	ADP
fsr-3889	96	4	this	this	DET
fsr-3889	96	5	study	study	NOUN
fsr-3889	96	6	is	be	AUX
fsr-3889	96	7	3,939	3,939	NUM
fsr-3889	96	8	households	household	NOUN
fsr-3889	96	9	,	,	PUNCT
fsr-3889	96	10	consisting	consist	VERB
fsr-3889	96	11	of	of	ADP
fsr-3889	96	12	households	household	NOUN
fsr-3889	96	13	with	with	ADP
fsr-3889	96	14	a	a	DET
fsr-3889	96	15	black	black	ADJ
fsr-3889	96	16	or	or	CCONJ
fsr-3889	96	17	white	white	ADJ
fsr-3889	96	18	household	household	NOUN
fsr-3889	96	19	head	head	NOUN
fsr-3889	96	20	and	and	CCONJ
fsr-3889	96	21	where	where	SCONJ
fsr-3889	96	22	the	the	DET
fsr-3889	96	23	gender	gender	NOUN
fsr-3889	96	24	of	of	ADP
fsr-3889	96	25	the	the	DET
fsr-3889	96	26	household	household	NOUN
fsr-3889	96	27	head	head	NOUN
fsr-3889	96	28	is	be	AUX
fsr-3889	96	29	reported	report	VERB
fsr-3889	96	30	.	.	PUNCT
fsr-3889	97	1	the	the	DET
fsr-3889	97	2	survey	survey	NOUN
fsr-3889	97	3	of	of	ADP
fsr-3889	97	4	consumer	consumer	NOUN
fsr-3889	97	5	finances	finance	NOUN
fsr-3889	97	6	consists	consist	VERB
fsr-3889	97	7	of	of	ADP
fsr-3889	97	8	five	five	NUM
fsr-3889	97	9	data	datum	NOUN
fsr-3889	97	10	sets	set	NOUN
fsr-3889	97	11	due	due	ADJ
fsr-3889	97	12	to	to	ADP
fsr-3889	97	13	multiple	multiple	ADJ
fsr-3889	97	14	imputation	imputation	NOUN
fsr-3889	97	15	of	of	ADP
fsr-3889	97	16	missing	miss	VERB
fsr-3889	97	17	responses	response	NOUN
fsr-3889	97	18	(	(	PUNCT
fsr-3889	97	19	kennickell	kennickell	NOUN
fsr-3889	97	20	,	,	PUNCT
fsr-3889	97	21	1997	1997	NUM
fsr-3889	97	22	)	)	PUNCT
fsr-3889	97	23	.	.	PUNCT
fsr-3889	98	1	montalto	montalto	PROPN
fsr-3889	98	2	and	and	CCONJ
fsr-3889	98	3	sung	sung	PROPN
fsr-3889	98	4	(	(	PUNCT
fsr-3889	98	5	1996	1996	NUM
fsr-3889	98	6	)	)	PUNCT
fsr-3889	98	7	describe	describe	VERB
fsr-3889	98	8	the	the	DET
fsr-3889	98	9	repeated	repeat	VERB
fsr-3889	98	10	imputation	imputation	NOUN
fsr-3889	98	11	inference	inference	NOUN
fsr-3889	98	12	technique	technique	NOUN
fsr-3889	98	13	for	for	ADP
fsr-3889	98	14	analyzing	analyze	VERB
fsr-3889	98	15	multiply	multiply	ADV
fsr-3889	98	16	imputed	impute	VERB
fsr-3889	98	17	data	datum	NOUN
fsr-3889	98	18	.	.	PUNCT
fsr-3889	99	1	repeated	repeat	VERB
fsr-3889	99	2	imputation	imputation	NOUN
fsr-3889	99	3	inference	inference	NOUN
fsr-3889	99	4	(	(	PUNCT
fsr-3889	99	5	rii	rii	NOUN
fsr-3889	99	6	)	)	PUNCT
fsr-3889	99	7	procedures	procedure	NOUN
fsr-3889	99	8	use	use	VERB
fsr-3889	99	9	data	datum	NOUN
fsr-3889	99	10	from	from	ADP
fsr-3889	99	11	all	all	DET
fsr-3889	99	12	five	five	NUM
fsr-3889	99	13	implicates	implicate	NOUN
fsr-3889	99	14	and	and	CCONJ
fsr-3889	99	15	incorporate	incorporate	VERB
fsr-3889	99	16	estimates	estimate	NOUN
fsr-3889	99	17	of	of	ADP
fsr-3889	99	18	error	error	NOUN
fsr-3889	99	19	due	due	ADP
fsr-3889	99	20	to	to	ADP
fsr-3889	99	21	missing	miss	VERB
fsr-3889	99	22	data	datum	NOUN
fsr-3889	99	23	.	.	PUNCT
fsr-3889	100	1	rii	rii	PROPN
fsr-3889	100	2	techniques	technique	NOUN
fsr-3889	100	3	are	be	AUX
fsr-3889	100	4	used	use	VERB
fsr-3889	100	5	for	for	ADP
fsr-3889	100	6	estimation	estimation	NOUN
fsr-3889	100	7	of	of	ADP
fsr-3889	100	8	the	the	DET
fsr-3889	100	9	descriptive	descriptive	ADJ
fsr-3889	100	10	statistics	statistic	NOUN
fsr-3889	100	11	and	and	CCONJ
fsr-3889	100	12	the	the	DET
fsr-3889	100	13	logistic	logistic	ADJ
fsr-3889	100	14	regressions	regression	NOUN
fsr-3889	100	15	in	in	ADP
fsr-3889	100	16	this	this	DET
fsr-3889	100	17	study	study	NOUN
fsr-3889	100	18	(	(	PUNCT
fsr-3889	100	19	montalto	montalto	NOUN
fsr-3889	100	20	and	and	CCONJ
fsr-3889	100	21	yuh	yuh	PROPN
fsr-3889	100	22	,	,	PUNCT
fsr-3889	100	23	1998	1998	NUM
fsr-3889	100	24	)	)	PUNCT
fsr-3889	100	25	.	.	PUNCT
fsr-3889	101	1	the	the	DET
fsr-3889	101	2	scf	scf	PROPN
fsr-3889	101	3	data	datum	NOUN
fsr-3889	101	4	set	set	NOUN
fsr-3889	101	5	contains	contain	VERB
fsr-3889	101	6	a	a	DET
fsr-3889	101	7	weight	weight	NOUN
fsr-3889	101	8	variable	variable	NOUN
fsr-3889	101	9	that	that	PRON
fsr-3889	101	10	can	can	AUX
fsr-3889	101	11	be	be	AUX
fsr-3889	101	12	used	use	VERB
fsr-3889	101	13	to	to	PART
fsr-3889	101	14	generate	generate	VERB
fsr-3889	101	15	estimates	estimate	NOUN
fsr-3889	101	16	representative	representative	NOUN
fsr-3889	101	17	of	of	ADP
fsr-3889	101	18	the	the	DET
fsr-3889	101	19	us	us	PROPN
fsr-3889	101	20	population	population	NOUN
fsr-3889	101	21	(	(	PUNCT
fsr-3889	101	22	kennickell	kennickell	PROPN
fsr-3889	101	23	,	,	PUNCT
fsr-3889	101	24	mcmanus	mcmanus	PROPN
fsr-3889	101	25	,	,	PUNCT
fsr-3889	101	26	and	and	CCONJ
fsr-3889	101	27	woodburn	woodburn	NOUN
fsr-3889	101	28	,	,	PUNCT
fsr-3889	101	29	1996	1996	NUM
fsr-3889	101	30	)	)	PUNCT
fsr-3889	101	31	.	.	PUNCT
fsr-3889	102	1	the	the	DET
fsr-3889	102	2	descriptive	descriptive	ADJ
fsr-3889	102	3	statistics	statistic	NOUN
fsr-3889	102	4	reported	report	VERB
fsr-3889	102	5	in	in	ADP
fsr-3889	102	6	this	this	DET
fsr-3889	102	7	analysis	analysis	NOUN
fsr-3889	102	8	are	be	AUX
fsr-3889	102	9	weighted	weight	VERB
fsr-3889	102	10	.	.	PUNCT
fsr-3889	103	1	the	the	DET
fsr-3889	103	2	logistic	logistic	ADJ
fsr-3889	103	3	regressions	regression	NOUN
fsr-3889	103	4	are	be	AUX
fsr-3889	103	5	not	not	PART
fsr-3889	103	6	weighted	weight	VERB
fsr-3889	103	7	.	.	PUNCT
fsr-3889	104	1	kennickell	kennickell	NOUN
fsr-3889	104	2	and	and	CCONJ
fsr-3889	104	3	mcmanus	mcmanus	PROPN
fsr-3889	104	4	(	(	PUNCT
fsr-3889	104	5	1993	1993	NUM
fsr-3889	104	6	)	)	PUNCT
fsr-3889	104	7	and	and	CCONJ
fsr-3889	104	8	montalto	montalto	PROPN
fsr-3889	104	9	(	(	PUNCT
fsr-3889	104	10	1998	1998	NUM
fsr-3889	104	11	)	)	PUNCT
fsr-3889	104	12	discuss	discuss	VERB
fsr-3889	104	13	the	the	DET
fsr-3889	104	14	drawbacks	drawback	NOUN
fsr-3889	104	15	of	of	ADP
fsr-3889	104	16	using	use	VERB
fsr-3889	104	17	the	the	DET
fsr-3889	104	18	weight	weight	NOUN
fsr-3889	104	19	variable	variable	NOUN
fsr-3889	104	20	in	in	ADP
fsr-3889	104	21	a	a	DET
fsr-3889	104	22	153m.s	153m.s	NOUN
fsr-3889	104	23	.	.	PUNCT
fsr-3889	104	24	gutter	gutter	NOUN
fsr-3889	104	25	/	/	SYM
fsr-3889	104	26	financial	financial	ADJ
fsr-3889	104	27	services	service	NOUN
fsr-3889	104	28	review	review	VERB
fsr-3889	104	29	8	8	NUM
fsr-3889	104	30	(	(	PUNCT
fsr-3889	104	31	1999	1999	NUM
fsr-3889	104	32	)	)	PUNCT
fsr-3889	104	33	149–162	149–162	NUM
fsr-3889	104	34	multivariate	multivariate	NOUN
fsr-3889	104	35	analysis	analysis	NOUN
fsr-3889	104	36	,	,	PUNCT
fsr-3889	104	37	as	as	SCONJ
fsr-3889	104	38	the	the	DET
fsr-3889	104	39	weights	weight	NOUN
fsr-3889	104	40	are	be	AUX
fsr-3889	104	41	constructed	construct	VERB
fsr-3889	104	42	from	from	ADP
fsr-3889	104	43	variables	variable	NOUN
fsr-3889	104	44	such	such	ADJ
fsr-3889	104	45	as	as	ADP
fsr-3889	104	46	income	income	NOUN
fsr-3889	104	47	that	that	PRON
fsr-3889	104	48	are	be	AUX
fsr-3889	104	49	commonly	commonly	ADV
fsr-3889	104	50	used	use	VERB
fsr-3889	104	51	by	by	ADP
fsr-3889	104	52	researchers	researcher	NOUN
fsr-3889	104	53	in	in	ADP
fsr-3889	104	54	multivariate	multivariate	NOUN
fsr-3889	104	55	analyses	analysis	NOUN
fsr-3889	104	56	.	.	PUNCT
fsr-3889	105	1	a	a	DET
fsr-3889	105	2	logistic	logistic	ADJ
fsr-3889	105	3	regression	regression	NOUN
fsr-3889	105	4	is	be	AUX
fsr-3889	105	5	used	use	VERB
fsr-3889	105	6	to	to	PART
fsr-3889	105	7	determine	determine	VERB
fsr-3889	105	8	log	log	NOUN
fsr-3889	105	9	likelihood	likelihood	NOUN
fsr-3889	105	10	estimates	estimate	NOUN
fsr-3889	105	11	of	of	ADP
fsr-3889	105	12	the	the	DET
fsr-3889	105	13	probability	probability	NOUN
fsr-3889	105	14	that	that	SCONJ
fsr-3889	105	15	a	a	DET
fsr-3889	105	16	household	household	NOUN
fsr-3889	105	17	holds	hold	VERB
fsr-3889	105	18	stocks	stock	NOUN
fsr-3889	105	19	and/or	and/or	CCONJ
fsr-3889	105	20	business	business	NOUN
fsr-3889	105	21	assets	asset	NOUN
fsr-3889	105	22	in	in	ADP
fsr-3889	105	23	their	their	PRON
fsr-3889	105	24	portfolio	portfolio	NOUN
fsr-3889	105	25	.	.	PUNCT
fsr-3889	106	1	if	if	SCONJ
fsr-3889	106	2	we	we	PRON
fsr-3889	106	3	assume	assume	VERB
fsr-3889	106	4	that	that	SCONJ
fsr-3889	106	5	they	they	PRON
fsr-3889	106	6	hold	hold	VERB
fsr-3889	106	7	risky	risky	ADJ
fsr-3889	106	8	assets	asset	NOUN
fsr-3889	106	9	by	by	ADP
fsr-3889	106	10	choice	choice	NOUN
fsr-3889	106	11	,	,	PUNCT
fsr-3889	106	12	then	then	ADV
fsr-3889	106	13	this	this	DET
fsr-3889	106	14	indicator	indicator	NOUN
fsr-3889	106	15	variable	variable	NOUN
fsr-3889	106	16	is	be	AUX
fsr-3889	106	17	the	the	DET
fsr-3889	106	18	likelihood	likelihood	NOUN
fsr-3889	106	19	that	that	SCONJ
fsr-3889	106	20	they	they	PRON
fsr-3889	106	21	choose	choose	VERB
fsr-3889	106	22	to	to	PART
fsr-3889	106	23	hold	hold	VERB
fsr-3889	106	24	these	these	DET
fsr-3889	106	25	assets	asset	NOUN
fsr-3889	106	26	.	.	PUNCT
fsr-3889	107	1	the	the	DET
fsr-3889	107	2	dependent	dependent	ADJ
fsr-3889	107	3	variable	variable	NOUN
fsr-3889	107	4	in	in	ADP
fsr-3889	107	5	the	the	DET
fsr-3889	107	6	logistic	logistic	ADJ
fsr-3889	107	7	regression	regression	NOUN
fsr-3889	107	8	is	be	AUX
fsr-3889	107	9	an	an	DET
fsr-3889	107	10	indicator	indicator	NOUN
fsr-3889	107	11	variable	variable	NOUN
fsr-3889	107	12	equal	equal	ADJ
fsr-3889	107	13	to	to	ADP
fsr-3889	107	14	one	one	NUM
fsr-3889	107	15	if	if	SCONJ
fsr-3889	107	16	the	the	DET
fsr-3889	107	17	household	household	NOUN
fsr-3889	107	18	owns	own	VERB
fsr-3889	107	19	any	any	DET
fsr-3889	107	20	stocks	stock	NOUN
fsr-3889	107	21	or	or	CCONJ
fsr-3889	107	22	business	business	NOUN
fsr-3889	107	23	assets	asset	NOUN
fsr-3889	107	24	,	,	PUNCT
fsr-3889	107	25	and	and	CCONJ
fsr-3889	107	26	zero	zero	NUM
fsr-3889	107	27	otherwise	otherwise	ADV
fsr-3889	107	28	.	.	PUNCT
fsr-3889	108	1	this	this	DET
fsr-3889	108	2	dependent	dependent	ADJ
fsr-3889	108	3	variable	variable	NOUN
fsr-3889	108	4	is	be	AUX
fsr-3889	108	5	appropriate	appropriate	ADJ
fsr-3889	108	6	for	for	ADP
fsr-3889	108	7	our	our	PRON
fsr-3889	108	8	needs	need	NOUN
fsr-3889	108	9	since	since	SCONJ
fsr-3889	108	10	we	we	PRON
fsr-3889	108	11	are	be	AUX
fsr-3889	108	12	interested	interested	ADJ
fsr-3889	108	13	in	in	ADP
fsr-3889	108	14	the	the	DET
fsr-3889	108	15	choice	choice	NOUN
fsr-3889	108	16	to	to	PART
fsr-3889	108	17	be	be	AUX
fsr-3889	108	18	invested	invest	VERB
fsr-3889	108	19	in	in	ADP
fsr-3889	108	20	risky	risky	ADJ
fsr-3889	108	21	assets	asset	NOUN
fsr-3889	108	22	,	,	PUNCT
fsr-3889	108	23	not	not	PART
fsr-3889	108	24	the	the	DET
fsr-3889	108	25	amount	amount	NOUN
fsr-3889	108	26	invested	invest	VERB
fsr-3889	108	27	in	in	ADP
fsr-3889	108	28	risky	risky	ADJ
fsr-3889	108	29	assets	asset	NOUN
fsr-3889	108	30	.	.	PUNCT
fsr-3889	109	1	the	the	DET
fsr-3889	109	2	explanatory	explanatory	ADJ
fsr-3889	109	3	variables	variable	NOUN
fsr-3889	109	4	used	use	VERB
fsr-3889	109	5	in	in	ADP
fsr-3889	109	6	the	the	DET
fsr-3889	109	7	model	model	NOUN
fsr-3889	109	8	are	be	AUX
fsr-3889	109	9	based	base	VERB
fsr-3889	109	10	on	on	ADP
fsr-3889	109	11	socioeconomic	socioeconomic	ADJ
fsr-3889	109	12	,	,	PUNCT
fsr-3889	109	13	financial	financial	ADJ
fsr-3889	109	14	,	,	PUNCT
fsr-3889	109	15	and	and	CCONJ
fsr-3889	109	16	attitudinal	attitudinal	ADJ
fsr-3889	109	17	characteristics	characteristic	NOUN
fsr-3889	109	18	(	(	PUNCT
fsr-3889	109	19	table	table	NOUN
fsr-3889	109	20	1	1	NUM
fsr-3889	109	21	)	)	PUNCT
fsr-3889	109	22	that	that	PRON
fsr-3889	109	23	are	be	AUX
fsr-3889	109	24	highlighted	highlight	VERB
fsr-3889	109	25	in	in	ADP
fsr-3889	109	26	the	the	DET
fsr-3889	109	27	literature	literature	NOUN
fsr-3889	109	28	as	as	ADP
fsr-3889	109	29	being	be	AUX
fsr-3889	109	30	relevant	relevant	ADJ
fsr-3889	109	31	to	to	PART
fsr-3889	109	32	risk	risk	VERB
fsr-3889	109	33	aversion	aversion	NOUN
fsr-3889	109	34	and	and	CCONJ
fsr-3889	109	35	risky	risky	ADJ
fsr-3889	109	36	asset	asset	NOUN
fsr-3889	109	37	ownership	ownership	NOUN
fsr-3889	109	38	.	.	PUNCT
fsr-3889	110	1	in	in	ADP
fsr-3889	110	2	addition	addition	NOUN
fsr-3889	110	3	,	,	PUNCT
fsr-3889	110	4	indicator	indicator	NOUN
fsr-3889	110	5	variables	variable	NOUN
fsr-3889	110	6	for	for	ADP
fsr-3889	110	7	receiving	receive	VERB
fsr-3889	110	8	or	or	CCONJ
fsr-3889	110	9	expecting	expect	VERB
fsr-3889	110	10	to	to	PART
fsr-3889	110	11	receive	receive	VERB
fsr-3889	110	12	an	an	DET
fsr-3889	110	13	inheritance	inheritance	NOUN
fsr-3889	110	14	in	in	ADP
fsr-3889	110	15	the	the	DET
fsr-3889	110	16	future	future	NOUN
fsr-3889	110	17	are	be	AUX
fsr-3889	110	18	included	include	VERB
fsr-3889	110	19	to	to	PART
fsr-3889	110	20	control	control	VERB
fsr-3889	110	21	for	for	ADP
fsr-3889	110	22	windfalls	windfall	NOUN
fsr-3889	110	23	.	.	PUNCT
fsr-3889	111	1	although	although	SCONJ
fsr-3889	111	2	we	we	PRON
fsr-3889	111	3	do	do	AUX
fsr-3889	111	4	not	not	PART
fsr-3889	111	5	control	control	VERB
fsr-3889	111	6	for	for	ADP
fsr-3889	111	7	table	table	NOUN
fsr-3889	111	8	1	1	NUM
fsr-3889	111	9	description	description	NOUN
fsr-3889	111	10	of	of	ADP
fsr-3889	111	11	explanatory	explanatory	ADJ
fsr-3889	111	12	variables	variable	NOUN
fsr-3889	111	13	variables	variable	VERB
fsr-3889	111	14	description	description	NOUN
fsr-3889	111	15	socioeconomic	socioeconomic	ADJ
fsr-3889	111	16	variables	variable	NOUN
fsr-3889	111	17	age	age	NOUN
fsr-3889	111	18	age	age	NOUN
fsr-3889	111	19	of	of	ADP
fsr-3889	111	20	reference	reference	NOUN
fsr-3889	111	21	person	person	NOUN
fsr-3889	111	22	age	age	NOUN
fsr-3889	111	23	-	-	PUNCT
fsr-3889	111	24	squared	square	VERB
fsr-3889	111	25	squared	square	VERB
fsr-3889	111	26	value	value	NOUN
fsr-3889	111	27	of	of	ADP
fsr-3889	111	28	age	age	NOUN
fsr-3889	111	29	of	of	ADP
fsr-3889	111	30	reference	reference	NOUN
fsr-3889	111	31	person	person	NOUN
fsr-3889	111	32	household	household	NOUN
fsr-3889	111	33	type	type	NOUN
fsr-3889	111	34	(	(	PUNCT
fsr-3889	111	35	reference	reference	NOUN
fsr-3889	111	36	category	category	NOUN
fsr-3889	111	37	:	:	PUNCT
fsr-3889	111	38	married	married	ADJ
fsr-3889	111	39	couple	couple	NOUN
fsr-3889	111	40	)	)	PUNCT
fsr-3889	111	41	single	single	ADJ
fsr-3889	111	42	male	male	NOUN
fsr-3889	111	43	51	51	NUM
fsr-3889	111	44	if	if	SCONJ
fsr-3889	111	45	householder	householder	NOUN
fsr-3889	111	46	is	be	AUX
fsr-3889	111	47	unmarried	unmarried	ADJ
fsr-3889	111	48	male	male	NOUN
fsr-3889	111	49	,	,	PUNCT
fsr-3889	111	50	0	0	NUM
fsr-3889	111	51	otherwise	otherwise	ADV
fsr-3889	111	52	single	single	ADJ
fsr-3889	111	53	female	female	NOUN
fsr-3889	111	54	51	51	NUM
fsr-3889	111	55	if	if	SCONJ
fsr-3889	111	56	householder	householder	NOUN
fsr-3889	111	57	is	be	AUX
fsr-3889	111	58	unmarried	unmarried	ADJ
fsr-3889	111	59	female	female	NOUN
fsr-3889	111	60	,	,	PUNCT
fsr-3889	111	61	0	0	NUM
fsr-3889	111	62	otherwise	otherwise	ADV
fsr-3889	111	63	children	child	NOUN
fsr-3889	111	64	present	present	VERB
fsr-3889	111	65	51	51	NUM
fsr-3889	111	66	if	if	SCONJ
fsr-3889	111	67	children	child	NOUN
fsr-3889	111	68	are	be	AUX
fsr-3889	111	69	present	present	ADJ
fsr-3889	111	70	in	in	ADP
fsr-3889	111	71	the	the	DET
fsr-3889	111	72	household	household	NOUN
fsr-3889	111	73	,	,	PUNCT
fsr-3889	111	74	0	0	NUM
fsr-3889	111	75	otherwise	otherwise	ADV
fsr-3889	111	76	household	household	NOUN
fsr-3889	111	77	size	size	NOUN
fsr-3889	111	78	number	number	NOUN
fsr-3889	111	79	of	of	ADP
fsr-3889	111	80	persons	person	NOUN
fsr-3889	111	81	in	in	ADP
fsr-3889	111	82	the	the	DET
fsr-3889	111	83	household	household	NOUN
fsr-3889	111	84	education	education	NOUN
fsr-3889	111	85	(	(	PUNCT
fsr-3889	111	86	reference	reference	NOUN
fsr-3889	111	87	category	category	NOUN
fsr-3889	111	88	:	:	PUNCT
fsr-3889	111	89	college	college	NOUN
fsr-3889	111	90	graduate	graduate	NOUN
fsr-3889	111	91	)	)	PUNCT
fsr-3889	111	92	less	less	ADJ
fsr-3889	111	93	than	than	ADP
fsr-3889	111	94	high	high	ADJ
fsr-3889	111	95	school	school	NOUN
fsr-3889	111	96	51	51	NUM
fsr-3889	111	97	if	if	SCONJ
fsr-3889	111	98	years	year	NOUN
fsr-3889	111	99	of	of	ADP
fsr-3889	111	100	education	education	NOUN
fsr-3889	111	101	,	,	PUNCT
fsr-3889	111	102	12	12	NUM
fsr-3889	111	103	,	,	PUNCT
fsr-3889	111	104	0	0	NUM
fsr-3889	111	105	otherwise	otherwise	ADV
fsr-3889	111	106	high	high	ADJ
fsr-3889	111	107	school	school	NOUN
fsr-3889	111	108	51	51	NUM
fsr-3889	111	109	if	if	SCONJ
fsr-3889	111	110	years	year	NOUN
fsr-3889	111	111	of	of	ADP
fsr-3889	111	112	education5	education5	NOUN
fsr-3889	111	113	12	12	NUM
fsr-3889	111	114	,	,	PUNCT
fsr-3889	111	115	0	0	NUM
fsr-3889	111	116	otherwise	otherwise	ADV
fsr-3889	111	117	some	some	DET
fsr-3889	111	118	college	college	NOUN
fsr-3889	111	119	51	51	NUM
fsr-3889	111	120	if	if	SCONJ
fsr-3889	111	121	years	year	NOUN
fsr-3889	111	122	of	of	ADP
fsr-3889	111	123	education	education	NOUN
fsr-3889	111	124	.	.	PUNCT
fsr-3889	112	1	12	12	NUM
fsr-3889	112	2	and	and	CCONJ
fsr-3889	112	3	,	,	PUNCT
fsr-3889	112	4	16	16	NUM
fsr-3889	112	5	,	,	PUNCT
fsr-3889	112	6	0	0	NUM
fsr-3889	112	7	otherwise	otherwise	ADV
fsr-3889	112	8	financial	financial	ADJ
fsr-3889	112	9	variables	variable	NOUN
fsr-3889	112	10	net	net	ADJ
fsr-3889	112	11	worth	worth	ADJ
fsr-3889	112	12	(	(	PUNCT
fsr-3889	112	13	$	$	SYM
fsr-3889	112	14	1000	1000	NUM
fsr-3889	112	15	)	)	PUNCT
fsr-3889	112	16	value	value	NOUN
fsr-3889	112	17	of	of	ADP
fsr-3889	112	18	total	total	ADJ
fsr-3889	112	19	assets	asset	NOUN
fsr-3889	112	20	minus	minus	ADP
fsr-3889	112	21	total	total	ADJ
fsr-3889	112	22	liabilities	liability	NOUN
fsr-3889	112	23	,	,	PUNCT
fsr-3889	112	24	measured	measure	VERB
fsr-3889	112	25	in	in	ADP
fsr-3889	112	26	thousands	thousand	NOUN
fsr-3889	112	27	annual	annual	ADJ
fsr-3889	112	28	household	household	NOUN
fsr-3889	112	29	income	income	NOUN
fsr-3889	112	30	(	(	PUNCT
fsr-3889	112	31	reference	reference	NOUN
fsr-3889	112	32	category	category	NOUN
fsr-3889	112	33	:	:	PUNCT
fsr-3889	112	34	middle	middle	ADJ
fsr-3889	112	35	two	two	NUM
fsr-3889	112	36	quartiles	quartile	NOUN
fsr-3889	112	37	)	)	PUNCT
fsr-3889	112	38	lowest	low	ADJ
fsr-3889	112	39	quartile	quartile	VERB
fsr-3889	112	40	51	51	NUM
fsr-3889	112	41	if	if	SCONJ
fsr-3889	112	42	income	income	NOUN
fsr-3889	112	43	#	#	NOUN
fsr-3889	112	44	$	$	SYM
fsr-3889	112	45	20,280	20,280	NUM
fsr-3889	112	46	,	,	PUNCT
fsr-3889	112	47	0	0	NUM
fsr-3889	112	48	otherwise	otherwise	ADV
fsr-3889	112	49	highest	high	ADJ
fsr-3889	112	50	quartile	quartile	NOUN
fsr-3889	112	51	51	51	NUM
fsr-3889	112	52	if	if	SCONJ
fsr-3889	112	53	income	income	NOUN
fsr-3889	112	54	.	.	PUNCT
fsr-3889	113	1	$	$	SYM
fsr-3889	113	2	113,000	113,000	NUM
fsr-3889	113	3	,	,	PUNCT
fsr-3889	113	4	0	0	NUM
fsr-3889	113	5	otherwise	otherwise	ADV
fsr-3889	113	6	received	receive	VERB
fsr-3889	113	7	inheritance	inheritance	NOUN
fsr-3889	113	8	51	51	NUM
fsr-3889	113	9	if	if	SCONJ
fsr-3889	113	10	household	household	NOUN
fsr-3889	113	11	has	have	AUX
fsr-3889	113	12	received	receive	VERB
fsr-3889	113	13	an	an	DET
fsr-3889	113	14	inheritance	inheritance	NOUN
fsr-3889	113	15	,	,	PUNCT
fsr-3889	113	16	0	0	NUM
fsr-3889	113	17	otherwise	otherwise	ADV
fsr-3889	113	18	expects	expect	VERB
fsr-3889	113	19	future	future	ADJ
fsr-3889	113	20	inheritance	inheritance	NOUN
fsr-3889	113	21	51	51	NUM
fsr-3889	113	22	if	if	SCONJ
fsr-3889	113	23	household	household	NOUN
fsr-3889	113	24	expects	expect	VERB
fsr-3889	113	25	future	future	ADJ
fsr-3889	113	26	inheritance	inheritance	NOUN
fsr-3889	113	27	,	,	PUNCT
fsr-3889	113	28	0	0	NUM
fsr-3889	113	29	otherwise	otherwise	ADV
fsr-3889	113	30	attitudinal	attitudinal	ADJ
fsr-3889	113	31	variables	variable	NOUN
fsr-3889	113	32	willingness	willingness	NOUN
fsr-3889	113	33	to	to	PART
fsr-3889	113	34	take	take	VERB
fsr-3889	113	35	risk	risk	NOUN
fsr-3889	113	36	(	(	PUNCT
fsr-3889	113	37	reference	reference	NOUN
fsr-3889	113	38	category	category	NOUN
fsr-3889	113	39	:	:	PUNCT
fsr-3889	113	40	willing	willing	ADJ
fsr-3889	113	41	to	to	PART
fsr-3889	113	42	take	take	VERB
fsr-3889	113	43	average	average	ADJ
fsr-3889	113	44	risk	risk	NOUN
fsr-3889	113	45	)	)	PUNCT
fsr-3889	113	46	not	not	PART
fsr-3889	113	47	willing	willing	ADJ
fsr-3889	113	48	51	51	NUM
fsr-3889	113	49	if	if	SCONJ
fsr-3889	113	50	not	not	PART
fsr-3889	113	51	willing	willing	ADJ
fsr-3889	113	52	to	to	PART
fsr-3889	113	53	take	take	VERB
fsr-3889	113	54	any	any	DET
fsr-3889	113	55	risk	risk	NOUN
fsr-3889	113	56	,	,	PUNCT
fsr-3889	113	57	0	0	NUM
fsr-3889	113	58	otherwise	otherwise	ADV
fsr-3889	113	59	above	above	ADP
fsr-3889	113	60	average	average	ADJ
fsr-3889	113	61	risk	risk	NOUN
fsr-3889	113	62	51	51	NUM
fsr-3889	113	63	if	if	SCONJ
fsr-3889	113	64	willing	willing	ADJ
fsr-3889	113	65	to	to	PART
fsr-3889	113	66	take	take	VERB
fsr-3889	113	67	above	above	ADV
fsr-3889	113	68	average	average	ADJ
fsr-3889	113	69	risk	risk	NOUN
fsr-3889	113	70	,	,	PUNCT
fsr-3889	113	71	0	0	NUM
fsr-3889	113	72	otherwise	otherwise	ADV
fsr-3889	113	73	substantial	substantial	ADJ
fsr-3889	113	74	risk	risk	NOUN
fsr-3889	113	75	51	51	NUM
fsr-3889	113	76	if	if	SCONJ
fsr-3889	113	77	willing	willing	ADJ
fsr-3889	113	78	to	to	PART
fsr-3889	113	79	take	take	VERB
fsr-3889	113	80	substantial	substantial	ADJ
fsr-3889	113	81	risk	risk	NOUN
fsr-3889	113	82	,	,	PUNCT
fsr-3889	113	83	0	0	NUM
fsr-3889	113	84	otherwise	otherwise	ADV
fsr-3889	113	85	positive	positive	ADJ
fsr-3889	113	86	economic	economic	ADJ
fsr-3889	113	87	outlook	outlook	NOUN
fsr-3889	113	88	51	51	NUM
fsr-3889	113	89	if	if	SCONJ
fsr-3889	113	90	household	household	NOUN
fsr-3889	113	91	expects	expect	VERB
fsr-3889	113	92	economy	economy	NOUN
fsr-3889	113	93	to	to	PART
fsr-3889	113	94	improve	improve	VERB
fsr-3889	113	95	over	over	ADP
fsr-3889	113	96	next	next	ADJ
fsr-3889	113	97	5	5	NUM
fsr-3889	113	98	years	year	NOUN
fsr-3889	113	99	,	,	PUNCT
fsr-3889	113	100	0	0	NUM
fsr-3889	113	101	otherwise	otherwise	ADV
fsr-3889	113	102	negative	negative	ADJ
fsr-3889	113	103	economic	economic	ADJ
fsr-3889	113	104	outlook	outlook	NOUN
fsr-3889	113	105	51	51	NUM
fsr-3889	113	106	if	if	SCONJ
fsr-3889	113	107	household	household	NOUN
fsr-3889	113	108	expects	expect	VERB
fsr-3889	113	109	economy	economy	NOUN
fsr-3889	113	110	to	to	PART
fsr-3889	113	111	do	do	VERB
fsr-3889	113	112	worse	bad	ADJ
fsr-3889	113	113	over	over	ADP
fsr-3889	113	114	next	next	ADJ
fsr-3889	113	115	5	5	NUM
fsr-3889	113	116	years	year	NOUN
fsr-3889	113	117	,	,	PUNCT
fsr-3889	113	118	0	0	NUM
fsr-3889	113	119	otherwise	otherwise	ADV
fsr-3889	113	120	felt	feel	VERB
fsr-3889	113	121	discouraged	discourage	VERB
fsr-3889	113	122	with	with	ADP
fsr-3889	113	123	credit51	credit51	NOUN
fsr-3889	113	124	if	if	SCONJ
fsr-3889	113	125	household	household	NOUN
fsr-3889	113	126	reported	report	VERB
fsr-3889	113	127	previously	previously	ADV
fsr-3889	113	128	feeling	feel	VERB
fsr-3889	113	129	discouraged	discouraged	ADJ
fsr-3889	113	130	when	when	SCONJ
fsr-3889	113	131	applying	apply	VERB
fsr-3889	113	132	for	for	ADP
fsr-3889	113	133	credit	credit	NOUN
fsr-3889	113	134	,	,	PUNCT
fsr-3889	113	135	0	0	NUM
fsr-3889	113	136	otherwise	otherwise	ADV
fsr-3889	113	137	investment	investment	NOUN
fsr-3889	113	138	horizon	horizon	NOUN
fsr-3889	113	139	51	51	NUM
fsr-3889	113	140	if	if	SCONJ
fsr-3889	113	141	investment	investment	NOUN
fsr-3889	113	142	horizon	horizon	NOUN
fsr-3889	113	143	of	of	ADP
fsr-3889	113	144	less	less	ADJ
fsr-3889	113	145	than	than	ADP
fsr-3889	113	146	a	a	PRON
fsr-3889	113	147	year	year	NOUN
fsr-3889	113	148	52	52	NUM
fsr-3889	113	149	if	if	SCONJ
fsr-3889	113	150	investment	investment	NOUN
fsr-3889	113	151	horizon	horizon	NOUN
fsr-3889	113	152	of	of	ADP
fsr-3889	113	153	1–2	1–2	NUM
fsr-3889	113	154	years	year	NOUN
fsr-3889	113	155	53	53	NUM
fsr-3889	113	156	if	if	SCONJ
fsr-3889	113	157	investment	investment	NOUN
fsr-3889	113	158	horizon	horizon	NOUN
fsr-3889	113	159	of	of	ADP
fsr-3889	113	160	2–5	2–5	PROPN
fsr-3889	113	161	years	year	NOUN
fsr-3889	113	162	54	54	NUM
fsr-3889	113	163	if	if	SCONJ
fsr-3889	113	164	investment	investment	NOUN
fsr-3889	113	165	horizon	horizon	NOUN
fsr-3889	113	166	of	of	ADP
fsr-3889	113	167	5–10	5–10	ADJ
fsr-3889	113	168	years	year	NOUN
fsr-3889	113	169	55	55	NUM
fsr-3889	113	170	if	if	SCONJ
fsr-3889	113	171	investment	investment	NOUN
fsr-3889	113	172	horizon	horizon	NOUN
fsr-3889	113	173	of	of	ADP
fsr-3889	113	174	more	more	ADJ
fsr-3889	113	175	than	than	ADP
fsr-3889	113	176	10	10	NUM
fsr-3889	113	177	years	year	NOUN
fsr-3889	113	178	154	154	NUM
fsr-3889	113	179	m.s	m.s	PROPN
fsr-3889	113	180	.	.	PUNCT
fsr-3889	113	181	gutter	gutter	NOUN
fsr-3889	113	182	/	/	SYM
fsr-3889	113	183	financial	financial	ADJ
fsr-3889	113	184	services	service	NOUN
fsr-3889	113	185	review	review	VERB
fsr-3889	113	186	8	8	NUM
fsr-3889	113	187	(	(	PUNCT
fsr-3889	113	188	1999	1999	NUM
fsr-3889	113	189	)	)	PUNCT
fsr-3889	113	190	149–162	149–162	NUM
fsr-3889	113	191	gifts	gift	NOUN
fsr-3889	113	192	from	from	ADP
fsr-3889	113	193	living	live	VERB
fsr-3889	113	194	family	family	NOUN
fsr-3889	113	195	members	member	NOUN
fsr-3889	113	196	,	,	PUNCT
fsr-3889	113	197	the	the	DET
fsr-3889	113	198	inheritance	inheritance	NOUN
fsr-3889	113	199	variables	variable	NOUN
fsr-3889	113	200	are	be	AUX
fsr-3889	113	201	included	include	VERB
fsr-3889	113	202	to	to	PART
fsr-3889	113	203	determine	determine	VERB
fsr-3889	113	204	whether	whether	SCONJ
fsr-3889	113	205	or	or	CCONJ
fsr-3889	113	206	not	not	PART
fsr-3889	113	207	assets	asset	NOUN
fsr-3889	113	208	are	be	AUX
fsr-3889	113	209	held	hold	VERB
fsr-3889	113	210	more	more	ADV
fsr-3889	113	211	by	by	ADP
fsr-3889	113	212	choice	choice	NOUN
fsr-3889	113	213	than	than	ADP
fsr-3889	113	214	circumstance	circumstance	NOUN
fsr-3889	113	215	.	.	PUNCT
fsr-3889	114	1	we	we	PRON
fsr-3889	114	2	are	be	AUX
fsr-3889	114	3	interested	interested	ADJ
fsr-3889	114	4	in	in	ADP
fsr-3889	114	5	analyzing	analyze	VERB
fsr-3889	114	6	racial	racial	ADJ
fsr-3889	114	7	differences	difference	NOUN
fsr-3889	114	8	in	in	ADP
fsr-3889	114	9	the	the	DET
fsr-3889	114	10	likelihood	likelihood	NOUN
fsr-3889	114	11	of	of	ADP
fsr-3889	114	12	owning	own	VERB
fsr-3889	114	13	risky	risky	ADJ
fsr-3889	114	14	assets	asset	NOUN
fsr-3889	114	15	.	.	PUNCT
fsr-3889	115	1	jackson	jackson	PROPN
fsr-3889	115	2	and	and	CCONJ
fsr-3889	115	3	lindley	lindley	PROPN
fsr-3889	115	4	(	(	PUNCT
fsr-3889	115	5	1989	1989	NUM
fsr-3889	115	6	)	)	PUNCT
fsr-3889	115	7	outline	outline	NOUN
fsr-3889	115	8	a	a	DET
fsr-3889	115	9	procedure	procedure	NOUN
fsr-3889	115	10	for	for	ADP
fsr-3889	115	11	testing	testing	NOUN
fsr-3889	115	12	for	for	ADP
fsr-3889	115	13	statistical	statistical	ADJ
fsr-3889	115	14	differences	difference	NOUN
fsr-3889	115	15	between	between	ADP
fsr-3889	115	16	two	two	NUM
fsr-3889	115	17	groups	group	NOUN
fsr-3889	115	18	by	by	ADP
fsr-3889	115	19	estimating	estimate	VERB
fsr-3889	115	20	a	a	DET
fsr-3889	115	21	full	full	ADJ
fsr-3889	115	22	interaction	interaction	NOUN
fsr-3889	115	23	model	model	NOUN
fsr-3889	115	24	,	,	PUNCT
fsr-3889	115	25	and	and	CCONJ
fsr-3889	115	26	decomposing	decompose	VERB
fsr-3889	115	27	any	any	DET
fsr-3889	115	28	statistical	statistical	ADJ
fsr-3889	115	29	difference	difference	NOUN
fsr-3889	115	30	to	to	PART
fsr-3889	115	31	more	more	ADV
fsr-3889	115	32	accurately	accurately	ADV
fsr-3889	115	33	understand	understand	VERB
fsr-3889	115	34	the	the	DET
fsr-3889	115	35	nature	nature	NOUN
fsr-3889	115	36	of	of	ADP
fsr-3889	115	37	the	the	DET
fsr-3889	115	38	between	between	NOUN
fsr-3889	115	39	-	-	PUNCT
fsr-3889	115	40	group	group	NOUN
fsr-3889	115	41	differences	difference	NOUN
fsr-3889	115	42	.	.	PUNCT
fsr-3889	116	1	to	to	PART
fsr-3889	116	2	estimate	estimate	VERB
fsr-3889	116	3	the	the	DET
fsr-3889	116	4	interaction	interaction	NOUN
fsr-3889	116	5	model	model	NOUN
fsr-3889	116	6	,	,	PUNCT
fsr-3889	116	7	data	datum	NOUN
fsr-3889	116	8	from	from	ADP
fsr-3889	116	9	the	the	DET
fsr-3889	116	10	two	two	NUM
fsr-3889	116	11	groups	group	NOUN
fsr-3889	116	12	are	be	AUX
fsr-3889	116	13	pooled	pool	VERB
fsr-3889	116	14	.	.	PUNCT
fsr-3889	117	1	the	the	DET
fsr-3889	117	2	dependent	dependent	ADJ
fsr-3889	117	3	variable	variable	NOUN
fsr-3889	117	4	is	be	AUX
fsr-3889	117	5	regressed	regress	VERB
fsr-3889	117	6	on	on	ADP
fsr-3889	117	7	an	an	DET
fsr-3889	117	8	intercept	intercept	NOUN
fsr-3889	117	9	term	term	NOUN
fsr-3889	117	10	,	,	PUNCT
fsr-3889	117	11	the	the	DET
fsr-3889	117	12	set	set	NOUN
fsr-3889	117	13	of	of	ADP
fsr-3889	117	14	independent	independent	ADJ
fsr-3889	117	15	variables	variable	NOUN
fsr-3889	117	16	,	,	PUNCT
fsr-3889	117	17	an	an	DET
fsr-3889	117	18	indicator	indicator	NOUN
fsr-3889	117	19	variable	variable	NOUN
fsr-3889	117	20	for	for	ADP
fsr-3889	117	21	race	race	NOUN
fsr-3889	117	22	,	,	PUNCT
fsr-3889	117	23	and	and	CCONJ
fsr-3889	117	24	a	a	DET
fsr-3889	117	25	set	set	NOUN
fsr-3889	117	26	of	of	ADP
fsr-3889	117	27	interaction	interaction	NOUN
fsr-3889	117	28	variables	variable	NOUN
fsr-3889	117	29	created	create	VERB
fsr-3889	117	30	by	by	ADP
fsr-3889	117	31	multiplying	multiply	VERB
fsr-3889	117	32	each	each	DET
fsr-3889	117	33	independent	independent	ADJ
fsr-3889	117	34	variable	variable	NOUN
fsr-3889	117	35	by	by	ADP
fsr-3889	117	36	the	the	DET
fsr-3889	117	37	race	race	NOUN
fsr-3889	117	38	variable	variable	NOUN
fsr-3889	117	39	.	.	PUNCT
fsr-3889	118	1	to	to	PART
fsr-3889	118	2	carry	carry	VERB
fsr-3889	118	3	out	out	ADP
fsr-3889	118	4	the	the	DET
fsr-3889	118	5	decomposition	decomposition	NOUN
fsr-3889	118	6	two	two	NUM
fsr-3889	118	7	additional	additional	ADJ
fsr-3889	118	8	models	model	NOUN
fsr-3889	118	9	are	be	AUX
fsr-3889	118	10	estimated	estimate	VERB
fsr-3889	118	11	—	—	PUNCT
fsr-3889	118	12	a	a	DET
fsr-3889	118	13	reduced	reduced	ADJ
fsr-3889	118	14	model	model	NOUN
fsr-3889	118	15	that	that	PRON
fsr-3889	118	16	omits	omit	VERB
fsr-3889	118	17	the	the	DET
fsr-3889	118	18	indicator	indicator	NOUN
fsr-3889	118	19	variable	variable	NOUN
fsr-3889	118	20	and	and	CCONJ
fsr-3889	118	21	the	the	DET
fsr-3889	118	22	set	set	NOUN
fsr-3889	118	23	of	of	ADP
fsr-3889	118	24	interaction	interaction	NOUN
fsr-3889	118	25	variables	variable	NOUN
fsr-3889	118	26	,	,	PUNCT
fsr-3889	118	27	and	and	CCONJ
fsr-3889	118	28	an	an	DET
fsr-3889	118	29	intermediate	intermediate	ADJ
fsr-3889	118	30	model	model	NOUN
fsr-3889	118	31	that	that	PRON
fsr-3889	118	32	includes	include	VERB
fsr-3889	118	33	the	the	DET
fsr-3889	118	34	indicator	indicator	NOUN
fsr-3889	118	35	variable	variable	NOUN
fsr-3889	118	36	but	but	CCONJ
fsr-3889	118	37	omits	omit	VERB
fsr-3889	118	38	the	the	DET
fsr-3889	118	39	interaction	interaction	NOUN
fsr-3889	118	40	variables	variable	NOUN
fsr-3889	118	41	.	.	PUNCT
fsr-3889	119	1	the	the	DET
fsr-3889	119	2	interaction	interaction	NOUN
fsr-3889	119	3	model	model	NOUN
fsr-3889	119	4	and	and	CCONJ
fsr-3889	119	5	the	the	DET
fsr-3889	119	6	reduced	reduce	VERB
fsr-3889	119	7	model	model	NOUN
fsr-3889	119	8	are	be	AUX
fsr-3889	119	9	compared	compare	VERB
fsr-3889	119	10	to	to	PART
fsr-3889	119	11	determine	determine	VERB
fsr-3889	119	12	the	the	DET
fsr-3889	119	13	joint	joint	ADJ
fsr-3889	119	14	significance	significance	NOUN
fsr-3889	119	15	of	of	ADP
fsr-3889	119	16	the	the	DET
fsr-3889	119	17	indicator	indicator	NOUN
fsr-3889	119	18	variable	variable	NOUN
fsr-3889	119	19	for	for	ADP
fsr-3889	119	20	race	race	NOUN
fsr-3889	119	21	and	and	CCONJ
fsr-3889	119	22	the	the	DET
fsr-3889	119	23	set	set	NOUN
fsr-3889	119	24	of	of	ADP
fsr-3889	119	25	interaction	interaction	NOUN
fsr-3889	119	26	variables	variable	NOUN
fsr-3889	119	27	.	.	PUNCT
fsr-3889	120	1	(	(	PUNCT
fsr-3889	120	2	in	in	ADP
fsr-3889	120	3	ordinary	ordinary	ADJ
fsr-3889	120	4	least	least	ADJ
fsr-3889	120	5	squares	square	NOUN
fsr-3889	120	6	regression	regression	VERB
fsr-3889	120	7	the	the	DET
fsr-3889	120	8	statistical	statistical	ADJ
fsr-3889	120	9	test	test	NOUN
fsr-3889	120	10	is	be	AUX
fsr-3889	120	11	an	an	DET
fsr-3889	120	12	f	f	NOUN
fsr-3889	120	13	-	-	PUNCT
fsr-3889	120	14	test	test	NOUN
fsr-3889	120	15	;	;	PUNCT
fsr-3889	120	16	a	a	DET
fsr-3889	120	17	comparable	comparable	ADJ
fsr-3889	120	18	test	test	NOUN
fsr-3889	120	19	for	for	ADP
fsr-3889	120	20	maximum	maximum	ADJ
fsr-3889	120	21	likelihood	likelihood	NOUN
fsr-3889	120	22	estimation	estimation	NOUN
fsr-3889	120	23	is	be	AUX
fsr-3889	120	24	the	the	DET
fsr-3889	120	25	likelihood	likelihood	NOUN
fsr-3889	120	26	ratio	ratio	NOUN
fsr-3889	120	27	test	test	NOUN
fsr-3889	120	28	.	.	PUNCT
fsr-3889	120	29	)	)	PUNCT
fsr-3889	121	1	if	if	SCONJ
fsr-3889	121	2	this	this	DET
fsr-3889	121	3	joint	joint	ADJ
fsr-3889	121	4	test	test	NOUN
fsr-3889	121	5	is	be	AUX
fsr-3889	121	6	significant	significant	ADJ
fsr-3889	121	7	,	,	PUNCT
fsr-3889	121	8	then	then	ADV
fsr-3889	121	9	jackson	jackson	PROPN
fsr-3889	121	10	and	and	CCONJ
fsr-3889	121	11	lindley	lindley	PROPN
fsr-3889	121	12	(	(	PUNCT
fsr-3889	121	13	1989	1989	NUM
fsr-3889	121	14	)	)	PUNCT
fsr-3889	121	15	outline	outline	NOUN
fsr-3889	121	16	a	a	DET
fsr-3889	121	17	procedure	procedure	NOUN
fsr-3889	121	18	for	for	ADP
fsr-3889	121	19	decomposing	decompose	VERB
fsr-3889	121	20	the	the	DET
fsr-3889	121	21	total	total	NOUN
fsr-3889	121	22	between	between	ADP
fsr-3889	121	23	-	-	PUNCT
fsr-3889	121	24	group	group	NOUN
fsr-3889	121	25	difference	difference	NOUN
fsr-3889	121	26	into	into	ADP
fsr-3889	121	27	three	three	NUM
fsr-3889	121	28	components	component	NOUN
fsr-3889	121	29	:	:	PUNCT
fsr-3889	121	30	the	the	DET
fsr-3889	121	31	constant	constant	ADJ
fsr-3889	121	32	effect	effect	NOUN
fsr-3889	121	33	,	,	PUNCT
fsr-3889	121	34	the	the	DET
fsr-3889	121	35	endowment	endowment	ADJ
fsr-3889	121	36	effect	effect	NOUN
fsr-3889	121	37	,	,	PUNCT
fsr-3889	121	38	and	and	CCONJ
fsr-3889	121	39	the	the	DET
fsr-3889	121	40	coefficient	coefficient	NOUN
fsr-3889	121	41	or	or	CCONJ
fsr-3889	121	42	response	response	NOUN
fsr-3889	121	43	effect	effect	NOUN
fsr-3889	121	44	.	.	PUNCT
fsr-3889	122	1	the	the	DET
fsr-3889	122	2	endowment	endowment	ADJ
fsr-3889	122	3	effect	effect	NOUN
fsr-3889	122	4	is	be	AUX
fsr-3889	122	5	the	the	DET
fsr-3889	122	6	portion	portion	NOUN
fsr-3889	122	7	of	of	ADP
fsr-3889	122	8	the	the	DET
fsr-3889	122	9	total	total	ADJ
fsr-3889	122	10	difference	difference	NOUN
fsr-3889	122	11	accounted	account	VERB
fsr-3889	122	12	for	for	ADP
fsr-3889	122	13	by	by	ADP
fsr-3889	122	14	differences	difference	NOUN
fsr-3889	122	15	between	between	ADP
fsr-3889	122	16	the	the	DET
fsr-3889	122	17	two	two	NUM
fsr-3889	122	18	groups	group	NOUN
fsr-3889	122	19	in	in	ADP
fsr-3889	122	20	the	the	DET
fsr-3889	122	21	level	level	NOUN
fsr-3889	122	22	of	of	ADP
fsr-3889	122	23	the	the	DET
fsr-3889	122	24	explanatory	explanatory	ADJ
fsr-3889	122	25	variables	variable	NOUN
fsr-3889	122	26	.	.	PUNCT
fsr-3889	123	1	the	the	DET
fsr-3889	123	2	coefficient	coefficient	NOUN
fsr-3889	123	3	or	or	CCONJ
fsr-3889	123	4	response	response	NOUN
fsr-3889	123	5	effect	effect	NOUN
fsr-3889	123	6	is	be	AUX
fsr-3889	123	7	a	a	DET
fsr-3889	123	8	measure	measure	NOUN
fsr-3889	123	9	of	of	ADP
fsr-3889	123	10	the	the	DET
fsr-3889	123	11	difference	difference	NOUN
fsr-3889	123	12	between	between	ADP
fsr-3889	123	13	the	the	DET
fsr-3889	123	14	two	two	NUM
fsr-3889	123	15	groups	group	NOUN
fsr-3889	123	16	in	in	ADP
fsr-3889	123	17	the	the	DET
fsr-3889	123	18	response	response	NOUN
fsr-3889	123	19	of	of	ADP
fsr-3889	123	20	the	the	DET
fsr-3889	123	21	dependent	dependent	ADJ
fsr-3889	123	22	variable	variable	NOUN
fsr-3889	123	23	to	to	ADP
fsr-3889	123	24	changes	change	NOUN
fsr-3889	123	25	in	in	ADP
fsr-3889	123	26	the	the	DET
fsr-3889	123	27	independent	independent	ADJ
fsr-3889	123	28	variables	variable	NOUN
fsr-3889	123	29	.	.	PUNCT
fsr-3889	124	1	the	the	DET
fsr-3889	124	2	interaction	interaction	NOUN
fsr-3889	124	3	model	model	NOUN
fsr-3889	124	4	and	and	CCONJ
fsr-3889	124	5	the	the	DET
fsr-3889	124	6	intermediate	intermediate	ADJ
fsr-3889	124	7	model	model	NOUN
fsr-3889	124	8	are	be	AUX
fsr-3889	124	9	compared	compare	VERB
fsr-3889	124	10	to	to	PART
fsr-3889	124	11	determine	determine	VERB
fsr-3889	124	12	if	if	SCONJ
fsr-3889	124	13	there	there	PRON
fsr-3889	124	14	is	be	VERB
fsr-3889	124	15	a	a	DET
fsr-3889	124	16	significant	significant	ADJ
fsr-3889	124	17	coefficient	coefficient	NOUN
fsr-3889	124	18	effect	effect	NOUN
fsr-3889	124	19	.	.	PUNCT
fsr-3889	125	1	the	the	DET
fsr-3889	125	2	constant	constant	ADJ
fsr-3889	125	3	effect	effect	NOUN
fsr-3889	125	4	is	be	AUX
fsr-3889	125	5	the	the	DET
fsr-3889	125	6	portion	portion	NOUN
fsr-3889	125	7	of	of	ADP
fsr-3889	125	8	the	the	DET
fsr-3889	125	9	total	total	ADJ
fsr-3889	125	10	difference	difference	NOUN
fsr-3889	125	11	that	that	PRON
fsr-3889	125	12	can	can	AUX
fsr-3889	125	13	not	not	PART
fsr-3889	125	14	be	be	AUX
fsr-3889	125	15	accounted	account	VERB
fsr-3889	125	16	for	for	ADP
fsr-3889	125	17	by	by	ADP
fsr-3889	125	18	differential	differential	ADJ
fsr-3889	125	19	endowments	endowment	NOUN
fsr-3889	125	20	or	or	CCONJ
fsr-3889	125	21	differential	differential	ADJ
fsr-3889	125	22	responses	response	NOUN
fsr-3889	125	23	.	.	PUNCT
fsr-3889	126	1	the	the	DET
fsr-3889	126	2	estimated	estimate	VERB
fsr-3889	126	3	parameters	parameter	NOUN
fsr-3889	126	4	on	on	ADP
fsr-3889	126	5	the	the	DET
fsr-3889	126	6	race	race	NOUN
fsr-3889	126	7	indicator	indicator	NOUN
fsr-3889	126	8	variable	variable	NOUN
fsr-3889	126	9	in	in	ADP
fsr-3889	126	10	the	the	DET
fsr-3889	126	11	interaction	interaction	NOUN
fsr-3889	126	12	model	model	NOUN
fsr-3889	126	13	are	be	AUX
fsr-3889	126	14	used	use	VERB
fsr-3889	126	15	to	to	PART
fsr-3889	126	16	determine	determine	VERB
fsr-3889	126	17	if	if	SCONJ
fsr-3889	126	18	there	there	PRON
fsr-3889	126	19	is	be	VERB
fsr-3889	126	20	a	a	DET
fsr-3889	126	21	significant	significant	ADJ
fsr-3889	126	22	constant	constant	ADJ
fsr-3889	126	23	effect	effect	NOUN
fsr-3889	126	24	.	.	PUNCT
fsr-3889	127	1	in	in	ADP
fsr-3889	127	2	our	our	PRON
fsr-3889	127	3	application	application	NOUN
fsr-3889	127	4	,	,	PUNCT
fsr-3889	127	5	a	a	DET
fsr-3889	127	6	significant	significant	ADJ
fsr-3889	127	7	coefficient	coefficient	NOUN
fsr-3889	127	8	effect	effect	NOUN
fsr-3889	127	9	provides	provide	VERB
fsr-3889	127	10	evidence	evidence	NOUN
fsr-3889	127	11	of	of	ADP
fsr-3889	127	12	racial	racial	ADJ
fsr-3889	127	13	differences	difference	NOUN
fsr-3889	127	14	in	in	ADP
fsr-3889	127	15	the	the	DET
fsr-3889	127	16	impact	impact	NOUN
fsr-3889	127	17	of	of	ADP
fsr-3889	127	18	the	the	DET
fsr-3889	127	19	explanatory	explanatory	ADJ
fsr-3889	127	20	variables	variable	NOUN
fsr-3889	127	21	on	on	ADP
fsr-3889	127	22	risky	risky	ADJ
fsr-3889	127	23	asset	asset	NOUN
fsr-3889	127	24	ownership	ownership	NOUN
fsr-3889	127	25	.	.	PUNCT
fsr-3889	128	1	a	a	DET
fsr-3889	128	2	significant	significant	ADJ
fsr-3889	128	3	constant	constant	ADJ
fsr-3889	128	4	effect	effect	NOUN
fsr-3889	128	5	provides	provide	VERB
fsr-3889	128	6	evidence	evidence	NOUN
fsr-3889	128	7	of	of	ADP
fsr-3889	128	8	racial	racial	ADJ
fsr-3889	128	9	differences	difference	NOUN
fsr-3889	128	10	in	in	ADP
fsr-3889	128	11	risky	risky	ADJ
fsr-3889	128	12	asset	asset	NOUN
fsr-3889	128	13	ownership	ownership	NOUN
fsr-3889	128	14	beyond	beyond	ADP
fsr-3889	128	15	those	those	DET
fsr-3889	128	16	factors	factor	NOUN
fsr-3889	128	17	controlled	control	VERB
fsr-3889	128	18	for	for	ADP
fsr-3889	128	19	in	in	ADP
fsr-3889	128	20	the	the	DET
fsr-3889	128	21	model	model	NOUN
fsr-3889	128	22	.	.	PUNCT
fsr-3889	129	1	two	two	NUM
fsr-3889	129	2	hypotheses	hypothesis	NOUN
fsr-3889	129	3	are	be	AUX
fsr-3889	129	4	tested	test	VERB
fsr-3889	129	5	.	.	PUNCT
fsr-3889	130	1	the	the	DET
fsr-3889	130	2	first	first	ADJ
fsr-3889	130	3	hypothesis	hypothesis	NOUN
fsr-3889	130	4	is	be	AUX
fsr-3889	130	5	that	that	SCONJ
fsr-3889	130	6	the	the	DET
fsr-3889	130	7	effects	effect	NOUN
fsr-3889	130	8	of	of	ADP
fsr-3889	130	9	socioeconomic	socioeconomic	ADJ
fsr-3889	130	10	,	,	PUNCT
fsr-3889	130	11	financial	financial	ADJ
fsr-3889	130	12	,	,	PUNCT
fsr-3889	130	13	and	and	CCONJ
fsr-3889	130	14	attitudinal	attitudinal	ADJ
fsr-3889	130	15	variables	variable	NOUN
fsr-3889	130	16	on	on	ADP
fsr-3889	130	17	risky	risky	ADJ
fsr-3889	130	18	asset	asset	NOUN
fsr-3889	130	19	ownership	ownership	NOUN
fsr-3889	130	20	differ	differ	VERB
fsr-3889	130	21	between	between	ADP
fsr-3889	130	22	black	black	ADJ
fsr-3889	130	23	households	household	NOUN
fsr-3889	130	24	and	and	CCONJ
fsr-3889	130	25	white	white	ADJ
fsr-3889	130	26	households	household	NOUN
fsr-3889	130	27	.	.	PUNCT
fsr-3889	131	1	a	a	DET
fsr-3889	131	2	likelihood	likelihood	NOUN
fsr-3889	131	3	ratio	ratio	NOUN
fsr-3889	131	4	test	test	NOUN
fsr-3889	131	5	is	be	AUX
fsr-3889	131	6	used	use	VERB
fsr-3889	131	7	to	to	PART
fsr-3889	131	8	test	test	VERB
fsr-3889	131	9	the	the	DET
fsr-3889	131	10	joint	joint	ADJ
fsr-3889	131	11	statistical	statistical	ADJ
fsr-3889	131	12	significance	significance	NOUN
fsr-3889	131	13	of	of	ADP
fsr-3889	131	14	the	the	DET
fsr-3889	131	15	race	race	NOUN
fsr-3889	131	16	indicator	indicator	NOUN
fsr-3889	131	17	variable	variable	NOUN
fsr-3889	131	18	and	and	CCONJ
fsr-3889	131	19	the	the	DET
fsr-3889	131	20	set	set	NOUN
fsr-3889	131	21	of	of	ADP
fsr-3889	131	22	interaction	interaction	NOUN
fsr-3889	131	23	variables	variable	NOUN
fsr-3889	131	24	(	(	PUNCT
fsr-3889	131	25	comparison	comparison	NOUN
fsr-3889	131	26	of	of	ADP
fsr-3889	131	27	the	the	DET
fsr-3889	131	28	interaction	interaction	NOUN
fsr-3889	131	29	model	model	NOUN
fsr-3889	131	30	and	and	CCONJ
fsr-3889	131	31	the	the	DET
fsr-3889	131	32	reduced	reduced	ADJ
fsr-3889	131	33	model	model	NOUN
fsr-3889	131	34	)	)	PUNCT
fsr-3889	131	35	.	.	PUNCT
fsr-3889	132	1	additionally	additionally	ADV
fsr-3889	132	2	,	,	PUNCT
fsr-3889	132	3	the	the	DET
fsr-3889	132	4	significance	significance	NOUN
fsr-3889	132	5	ofx2	ofx2	PROPN
fsr-3889	132	6	statistics	statistic	NOUN
fsr-3889	132	7	on	on	ADP
fsr-3889	132	8	individual	individual	ADJ
fsr-3889	132	9	interaction	interaction	NOUN
fsr-3889	132	10	variables	variable	NOUN
fsr-3889	132	11	is	be	AUX
fsr-3889	132	12	used	use	VERB
fsr-3889	132	13	to	to	PART
fsr-3889	132	14	identify	identify	VERB
fsr-3889	132	15	the	the	DET
fsr-3889	132	16	specific	specific	ADJ
fsr-3889	132	17	coefficients	coefficient	NOUN
fsr-3889	132	18	that	that	PRON
fsr-3889	132	19	differ	differ	VERB
fsr-3889	132	20	between	between	ADP
fsr-3889	132	21	black	black	ADJ
fsr-3889	132	22	households	household	NOUN
fsr-3889	132	23	and	and	CCONJ
fsr-3889	132	24	white	white	ADJ
fsr-3889	132	25	households	household	NOUN
fsr-3889	132	26	.	.	PUNCT
fsr-3889	133	1	the	the	DET
fsr-3889	133	2	second	second	ADJ
fsr-3889	133	3	hypothesis	hypothesis	NOUN
fsr-3889	133	4	is	be	AUX
fsr-3889	133	5	that	that	SCONJ
fsr-3889	133	6	differences	difference	NOUN
fsr-3889	133	7	in	in	ADP
fsr-3889	133	8	risky	risky	ADJ
fsr-3889	133	9	asset	asset	NOUN
fsr-3889	133	10	ownership	ownership	NOUN
fsr-3889	133	11	between	between	ADP
fsr-3889	133	12	black	black	ADJ
fsr-3889	133	13	households	household	NOUN
fsr-3889	133	14	and	and	CCONJ
fsr-3889	133	15	white	white	ADJ
fsr-3889	133	16	households	household	NOUN
fsr-3889	133	17	are	be	AUX
fsr-3889	133	18	due	due	ADJ
fsr-3889	133	19	to	to	ADP
fsr-3889	133	20	racial	racial	ADJ
fsr-3889	133	21	differences	difference	NOUN
fsr-3889	133	22	in	in	ADP
fsr-3889	133	23	the	the	DET
fsr-3889	133	24	individual	individual	ADJ
fsr-3889	133	25	determinants	determinant	NOUN
fsr-3889	133	26	of	of	ADP
fsr-3889	133	27	risky	risky	ADJ
fsr-3889	133	28	asset	asset	NOUN
fsr-3889	133	29	ownership	ownership	NOUN
fsr-3889	133	30	(	(	PUNCT
fsr-3889	133	31	coefficient	coefficient	NOUN
fsr-3889	133	32	effect	effect	NOUN
fsr-3889	133	33	)	)	PUNCT
fsr-3889	133	34	,	,	PUNCT
fsr-3889	133	35	not	not	PART
fsr-3889	133	36	to	to	PART
fsr-3889	133	37	race	race	VERB
fsr-3889	133	38	in	in	ADP
fsr-3889	133	39	and	and	CCONJ
fsr-3889	133	40	of	of	ADP
fsr-3889	133	41	itself	itself	PRON
fsr-3889	133	42	(	(	PUNCT
fsr-3889	133	43	constant	constant	ADJ
fsr-3889	133	44	effect	effect	NOUN
fsr-3889	133	45	)	)	PUNCT
fsr-3889	133	46	.	.	PUNCT
fsr-3889	134	1	a	a	DET
fsr-3889	134	2	likelihood	likelihood	NOUN
fsr-3889	134	3	ratio	ratio	NOUN
fsr-3889	134	4	test	test	NOUN
fsr-3889	134	5	is	be	AUX
fsr-3889	134	6	used	use	VERB
fsr-3889	134	7	to	to	PART
fsr-3889	134	8	test	test	VERB
fsr-3889	134	9	for	for	ADP
fsr-3889	134	10	the	the	DET
fsr-3889	134	11	statistical	statistical	ADJ
fsr-3889	134	12	significance	significance	NOUN
fsr-3889	134	13	of	of	ADP
fsr-3889	134	14	the	the	DET
fsr-3889	134	15	set	set	NOUN
fsr-3889	134	16	of	of	ADP
fsr-3889	134	17	interaction	interaction	NOUN
fsr-3889	134	18	terms	term	NOUN
fsr-3889	134	19	(	(	PUNCT
fsr-3889	134	20	comparison	comparison	NOUN
fsr-3889	134	21	of	of	ADP
fsr-3889	134	22	the	the	DET
fsr-3889	134	23	interaction	interaction	NOUN
fsr-3889	134	24	model	model	NOUN
fsr-3889	134	25	and	and	CCONJ
fsr-3889	134	26	the	the	DET
fsr-3889	134	27	155m.s	155m.s	PROPN
fsr-3889	134	28	.	.	PUNCT
fsr-3889	135	1	gutter	gutter	NOUN
fsr-3889	135	2	/	/	SYM
fsr-3889	135	3	financial	financial	ADJ
fsr-3889	135	4	services	service	NOUN
fsr-3889	135	5	review	review	VERB
fsr-3889	135	6	8	8	NUM
fsr-3889	135	7	(	(	PUNCT
fsr-3889	135	8	1999	1999	NUM
fsr-3889	135	9	)	)	PUNCT
fsr-3889	135	10	149–162	149–162	NUM
fsr-3889	135	11	intermediate	intermediate	ADJ
fsr-3889	135	12	model	model	NOUN
fsr-3889	135	13	)	)	PUNCT
fsr-3889	135	14	.	.	PUNCT
fsr-3889	136	1	thex2	thex2	PROPN
fsr-3889	136	2	statistic	statistic	PROPN
fsr-3889	136	3	is	be	AUX
fsr-3889	136	4	used	use	VERB
fsr-3889	136	5	to	to	PART
fsr-3889	136	6	test	test	VERB
fsr-3889	136	7	the	the	DET
fsr-3889	136	8	statistical	statistical	ADJ
fsr-3889	136	9	significance	significance	NOUN
fsr-3889	136	10	of	of	ADP
fsr-3889	136	11	the	the	DET
fsr-3889	136	12	race	race	NOUN
fsr-3889	136	13	indicator	indicator	NOUN
fsr-3889	136	14	variable	variable	NOUN
fsr-3889	136	15	in	in	ADP
fsr-3889	136	16	the	the	DET
fsr-3889	136	17	interaction	interaction	NOUN
fsr-3889	136	18	model	model	NOUN
fsr-3889	136	19	.	.	PUNCT
fsr-3889	137	1	4	4	X
fsr-3889	137	2	.	.	NOUN
fsr-3889	137	3	results	result	VERB
fsr-3889	137	4	descriptive	descriptive	ADJ
fsr-3889	137	5	statistics	statistic	NOUN
fsr-3889	137	6	for	for	ADP
fsr-3889	137	7	black	black	ADJ
fsr-3889	137	8	households	household	NOUN
fsr-3889	137	9	and	and	CCONJ
fsr-3889	137	10	white	white	ADJ
fsr-3889	137	11	households	household	NOUN
fsr-3889	137	12	are	be	AUX
fsr-3889	137	13	provided	provide	VERB
fsr-3889	137	14	in	in	ADP
fsr-3889	137	15	table	table	NOUN
fsr-3889	137	16	2	2	NUM
fsr-3889	137	17	,	,	PUNCT
fsr-3889	137	18	along	along	ADP
fsr-3889	137	19	with	with	ADP
fsr-3889	137	20	the	the	DET
fsr-3889	137	21	results	result	NOUN
fsr-3889	137	22	of	of	ADP
fsr-3889	137	23	tests	test	NOUN
fsr-3889	137	24	for	for	ADP
fsr-3889	137	25	statistical	statistical	ADJ
fsr-3889	137	26	differences	difference	NOUN
fsr-3889	137	27	between	between	ADP
fsr-3889	137	28	the	the	DET
fsr-3889	137	29	two	two	NUM
fsr-3889	137	30	groups	group	NOUN
fsr-3889	137	31	.	.	PUNCT
fsr-3889	138	1	the	the	DET
fsr-3889	138	2	majority	majority	NOUN
fsr-3889	138	3	of	of	ADP
fsr-3889	138	4	black	black	ADJ
fsr-3889	138	5	households	household	NOUN
fsr-3889	138	6	are	be	AUX
fsr-3889	138	7	headed	head	VERB
fsr-3889	138	8	by	by	ADP
fsr-3889	138	9	a	a	DET
fsr-3889	138	10	single	single	ADJ
fsr-3889	138	11	female	female	NOUN
fsr-3889	138	12	(	(	PUNCT
fsr-3889	138	13	51	51	NUM
fsr-3889	138	14	%	%	NOUN
fsr-3889	138	15	)	)	PUNCT
fsr-3889	138	16	whereas	whereas	SCONJ
fsr-3889	138	17	the	the	DET
fsr-3889	138	18	majority	majority	NOUN
fsr-3889	138	19	of	of	ADP
fsr-3889	138	20	white	white	ADJ
fsr-3889	138	21	households	household	NOUN
fsr-3889	138	22	are	be	AUX
fsr-3889	138	23	headed	head	VERB
fsr-3889	138	24	by	by	ADP
fsr-3889	138	25	a	a	DET
fsr-3889	138	26	married	married	ADJ
fsr-3889	138	27	couple	couple	NOUN
fsr-3889	138	28	(	(	PUNCT
fsr-3889	138	29	55	55	NUM
fsr-3889	138	30	%	%	NOUN
fsr-3889	138	31	)	)	PUNCT
fsr-3889	138	32	.	.	PUNCT
fsr-3889	139	1	however	however	ADV
fsr-3889	139	2	,	,	PUNCT
fsr-3889	139	3	53	53	NUM
fsr-3889	139	4	%	%	NOUN
fsr-3889	139	5	of	of	ADP
fsr-3889	139	6	black	black	ADJ
fsr-3889	139	7	households	household	NOUN
fsr-3889	139	8	contain	contain	VERB
fsr-3889	139	9	children	child	NOUN
fsr-3889	139	10	compared	compare	VERB
fsr-3889	139	11	to	to	ADP
fsr-3889	139	12	42	42	NUM
fsr-3889	139	13	%	%	NOUN
fsr-3889	139	14	of	of	ADP
fsr-3889	139	15	white	white	ADJ
fsr-3889	139	16	households	household	NOUN
fsr-3889	139	17	,	,	PUNCT
fsr-3889	139	18	and	and	CCONJ
fsr-3889	139	19	10	10	NUM
fsr-3889	139	20	%	%	NOUN
fsr-3889	139	21	of	of	ADP
fsr-3889	139	22	black	black	ADJ
fsr-3889	139	23	households	household	NOUN
fsr-3889	139	24	contain	contain	VERB
fsr-3889	139	25	other	other	ADJ
fsr-3889	139	26	adult	adult	NOUN
fsr-3889	139	27	relatives	relative	NOUN
fsr-3889	139	28	compared	compare	VERB
fsr-3889	139	29	to	to	ADP
fsr-3889	139	30	less	less	ADJ
fsr-3889	139	31	than	than	ADP
fsr-3889	139	32	4	4	NUM
fsr-3889	139	33	%	%	NOUN
fsr-3889	139	34	of	of	ADP
fsr-3889	139	35	white	white	ADJ
fsr-3889	139	36	households	household	NOUN
fsr-3889	139	37	.	.	PUNCT
fsr-3889	140	1	on	on	ADP
fsr-3889	140	2	average	average	ADJ
fsr-3889	140	3	,	,	PUNCT
fsr-3889	140	4	black	black	ADJ
fsr-3889	140	5	households	household	NOUN
fsr-3889	140	6	are	be	AUX
fsr-3889	140	7	larger	large	ADJ
fsr-3889	140	8	than	than	ADP
fsr-3889	140	9	white	white	ADJ
fsr-3889	140	10	households	household	NOUN
fsr-3889	140	11	(	(	PUNCT
fsr-3889	140	12	2.64	2.64	NUM
fsr-3889	140	13	and	and	CCONJ
fsr-3889	140	14	2.49	2.49	NUM
fsr-3889	140	15	,	,	PUNCT
fsr-3889	140	16	respectively	respectively	ADV
fsr-3889	140	17	)	)	PUNCT
fsr-3889	140	18	.	.	PUNCT
fsr-3889	141	1	the	the	DET
fsr-3889	141	2	distribution	distribution	NOUN
fsr-3889	141	3	of	of	ADP
fsr-3889	141	4	asset	asset	NOUN
fsr-3889	141	5	ownership	ownership	NOUN
fsr-3889	141	6	differs	differ	VERB
fsr-3889	141	7	between	between	ADP
fsr-3889	141	8	black	black	ADJ
fsr-3889	141	9	households	household	NOUN
fsr-3889	141	10	and	and	CCONJ
fsr-3889	141	11	white	white	ADJ
fsr-3889	141	12	households	household	NOUN
fsr-3889	141	13	.	.	PUNCT
fsr-3889	142	1	only	only	ADV
fsr-3889	142	2	23	23	NUM
fsr-3889	142	3	%	%	NOUN
fsr-3889	142	4	of	of	ADP
fsr-3889	142	5	black	black	ADJ
fsr-3889	142	6	households	household	NOUN
fsr-3889	142	7	hold	hold	VERB
fsr-3889	142	8	risky	risky	ADJ
fsr-3889	142	9	assets	asset	NOUN
fsr-3889	142	10	compared	compare	VERB
fsr-3889	142	11	to	to	ADP
fsr-3889	142	12	46	46	NUM
fsr-3889	142	13	%	%	NOUN
fsr-3889	142	14	of	of	ADP
fsr-3889	142	15	white	white	ADJ
fsr-3889	142	16	households	household	NOUN
fsr-3889	142	17	.	.	PUNCT
fsr-3889	143	1	there	there	PRON
fsr-3889	143	2	are	be	VERB
fsr-3889	143	3	also	also	ADV
fsr-3889	143	4	significant	significant	ADJ
fsr-3889	143	5	differences	difference	NOUN
fsr-3889	143	6	between	between	ADP
fsr-3889	143	7	black	black	ADJ
fsr-3889	143	8	households	household	NOUN
fsr-3889	143	9	and	and	CCONJ
fsr-3889	143	10	white	white	ADJ
fsr-3889	143	11	households	household	NOUN
fsr-3889	143	12	in	in	ADP
fsr-3889	143	13	the	the	DET
fsr-3889	143	14	mean	mean	ADJ
fsr-3889	143	15	value	value	NOUN
fsr-3889	143	16	of	of	ADP
fsr-3889	143	17	these	these	DET
fsr-3889	143	18	assets	asset	NOUN
fsr-3889	143	19	.	.	PUNCT
fsr-3889	144	1	black	black	ADJ
fsr-3889	144	2	households	household	NOUN
fsr-3889	144	3	hold	hold	VERB
fsr-3889	144	4	significantly	significantly	ADV
fsr-3889	144	5	less	less	ADJ
fsr-3889	144	6	of	of	ADP
fsr-3889	144	7	each	each	DET
fsr-3889	144	8	asset	asset	NOUN
fsr-3889	144	9	type	type	NOUN
fsr-3889	144	10	on	on	ADP
fsr-3889	144	11	average	average	ADJ
fsr-3889	144	12	.	.	PUNCT
fsr-3889	145	1	the	the	DET
fsr-3889	145	2	net	net	ADJ
fsr-3889	145	3	worth	worth	ADJ
fsr-3889	145	4	measure	measure	NOUN
fsr-3889	145	5	also	also	ADV
fsr-3889	145	6	shows	show	VERB
fsr-3889	145	7	a	a	DET
fsr-3889	145	8	significant	significant	ADJ
fsr-3889	145	9	difference	difference	NOUN
fsr-3889	145	10	between	between	ADP
fsr-3889	145	11	the	the	DET
fsr-3889	145	12	two	two	NUM
fsr-3889	145	13	racial	racial	ADJ
fsr-3889	145	14	groups	group	NOUN
fsr-3889	145	15	with	with	ADP
fsr-3889	145	16	white	white	ADJ
fsr-3889	145	17	households	household	NOUN
fsr-3889	145	18	having	have	VERB
fsr-3889	145	19	an	an	DET
fsr-3889	145	20	average	average	ADJ
fsr-3889	145	21	net	net	ADJ
fsr-3889	145	22	worth	worth	NOUN
fsr-3889	145	23	of	of	ADP
fsr-3889	145	24	$	$	SYM
fsr-3889	145	25	246	246	NUM
fsr-3889	145	26	,	,	PUNCT
fsr-3889	145	27	287	287	NUM
fsr-3889	145	28	,	,	PUNCT
fsr-3889	145	29	compared	compare	VERB
fsr-3889	145	30	to	to	ADP
fsr-3889	145	31	only	only	ADV
fsr-3889	145	32	$	$	SYM
fsr-3889	145	33	45	45	NUM
fsr-3889	145	34	,	,	PUNCT
fsr-3889	145	35	854	854	NUM
fsr-3889	145	36	for	for	ADP
fsr-3889	145	37	black	black	ADJ
fsr-3889	145	38	households	household	NOUN
fsr-3889	145	39	.	.	PUNCT
fsr-3889	146	1	black	black	ADJ
fsr-3889	146	2	households	household	NOUN
fsr-3889	146	3	report	report	VERB
fsr-3889	146	4	a	a	DET
fsr-3889	146	5	lower	low	ADJ
fsr-3889	146	6	willingness	willingness	NOUN
fsr-3889	146	7	to	to	PART
fsr-3889	146	8	take	take	VERB
fsr-3889	146	9	financial	financial	ADJ
fsr-3889	146	10	risks	risk	NOUN
fsr-3889	146	11	and	and	CCONJ
fsr-3889	146	12	have	have	VERB
fsr-3889	146	13	a	a	DET
fsr-3889	146	14	shorter	short	ADJ
fsr-3889	146	15	investment	investment	NOUN
fsr-3889	146	16	horizon	horizon	NOUN
fsr-3889	146	17	compared	compare	VERB
fsr-3889	146	18	to	to	ADP
fsr-3889	146	19	white	white	ADJ
fsr-3889	146	20	households	household	NOUN
fsr-3889	146	21	.	.	PUNCT
fsr-3889	147	1	a	a	DET
fsr-3889	147	2	significantly	significantly	ADV
fsr-3889	147	3	higher	high	ADJ
fsr-3889	147	4	proportion	proportion	NOUN
fsr-3889	147	5	of	of	ADP
fsr-3889	147	6	black	black	ADJ
fsr-3889	147	7	households	household	NOUN
fsr-3889	147	8	(	(	PUNCT
fsr-3889	147	9	60	60	NUM
fsr-3889	147	10	%	%	NOUN
fsr-3889	147	11	)	)	PUNCT
fsr-3889	147	12	than	than	ADP
fsr-3889	147	13	white	white	ADJ
fsr-3889	147	14	households	household	NOUN
fsr-3889	147	15	(	(	PUNCT
fsr-3889	147	16	42	42	NUM
fsr-3889	147	17	%	%	NOUN
fsr-3889	147	18	)	)	PUNCT
fsr-3889	147	19	report	report	NOUN
fsr-3889	147	20	they	they	PRON
fsr-3889	147	21	are	be	AUX
fsr-3889	147	22	not	not	PART
fsr-3889	147	23	willing	willing	ADJ
fsr-3889	147	24	to	to	PART
fsr-3889	147	25	take	take	VERB
fsr-3889	147	26	any	any	DET
fsr-3889	147	27	risk	risk	NOUN
fsr-3889	147	28	.	.	PUNCT
fsr-3889	148	1	similar	similar	ADJ
fsr-3889	148	2	proportions	proportion	NOUN
fsr-3889	148	3	of	of	ADP
fsr-3889	148	4	black	black	ADJ
fsr-3889	148	5	and	and	CCONJ
fsr-3889	148	6	white	white	ADJ
fsr-3889	148	7	households	household	NOUN
fsr-3889	148	8	are	be	AUX
fsr-3889	148	9	willing	willing	ADJ
fsr-3889	148	10	to	to	PART
fsr-3889	148	11	take	take	VERB
fsr-3889	148	12	substantial	substantial	ADJ
fsr-3889	148	13	financial	financial	ADJ
fsr-3889	148	14	risk	risk	NOUN
fsr-3889	148	15	.	.	PUNCT
fsr-3889	149	1	the	the	DET
fsr-3889	149	2	average	average	ADJ
fsr-3889	149	3	investment	investment	NOUN
fsr-3889	149	4	horizon	horizon	NOUN
fsr-3889	149	5	is	be	AUX
fsr-3889	149	6	approximately	approximately	ADV
fsr-3889	149	7	three	three	NUM
fsr-3889	149	8	and	and	CCONJ
fsr-3889	149	9	a	a	DET
fsr-3889	149	10	half	half	NOUN
fsr-3889	149	11	years	year	NOUN
fsr-3889	149	12	for	for	ADP
fsr-3889	149	13	black	black	ADJ
fsr-3889	149	14	households	household	NOUN
fsr-3889	149	15	,	,	PUNCT
fsr-3889	149	16	compared	compare	VERB
fsr-3889	149	17	to	to	ADP
fsr-3889	149	18	over	over	ADP
fsr-3889	149	19	five	five	NUM
fsr-3889	149	20	years	year	NOUN
fsr-3889	149	21	for	for	ADP
fsr-3889	149	22	white	white	ADJ
fsr-3889	149	23	households	household	NOUN
fsr-3889	149	24	.	.	PUNCT
fsr-3889	150	1	we	we	PRON
fsr-3889	150	2	examine	examine	VERB
fsr-3889	150	3	whether	whether	SCONJ
fsr-3889	150	4	the	the	DET
fsr-3889	150	5	risk	risk	NOUN
fsr-3889	150	6	tolerance	tolerance	NOUN
fsr-3889	150	7	question	question	NOUN
fsr-3889	150	8	posed	pose	VERB
fsr-3889	150	9	in	in	ADP
fsr-3889	150	10	the	the	DET
fsr-3889	150	11	scf	scf	PROPN
fsr-3889	150	12	is	be	AUX
fsr-3889	150	13	perceived	perceive	VERB
fsr-3889	150	14	similarly	similarly	ADV
fsr-3889	150	15	by	by	ADP
fsr-3889	150	16	black	black	ADJ
fsr-3889	150	17	and	and	CCONJ
fsr-3889	150	18	white	white	ADJ
fsr-3889	150	19	households	household	NOUN
fsr-3889	150	20	.	.	PUNCT
fsr-3889	151	1	to	to	PART
fsr-3889	151	2	do	do	VERB
fsr-3889	151	3	this	this	PRON
fsr-3889	151	4	,	,	PUNCT
fsr-3889	151	5	responses	response	NOUN
fsr-3889	151	6	to	to	ADP
fsr-3889	151	7	the	the	DET
fsr-3889	151	8	risk	risk	NOUN
fsr-3889	151	9	tolerance	tolerance	NOUN
fsr-3889	151	10	question	question	NOUN
fsr-3889	151	11	are	be	AUX
fsr-3889	151	12	collapsed	collapse	VERB
fsr-3889	151	13	into	into	ADP
fsr-3889	151	14	an	an	DET
fsr-3889	151	15	indicator	indicator	NOUN
fsr-3889	151	16	for	for	ADP
fsr-3889	151	17	whether	whether	SCONJ
fsr-3889	151	18	or	or	CCONJ
fsr-3889	151	19	not	not	PART
fsr-3889	151	20	the	the	DET
fsr-3889	151	21	household	household	NOUN
fsr-3889	151	22	reports	report	VERB
fsr-3889	151	23	a	a	DET
fsr-3889	151	24	willingness	willingness	NOUN
fsr-3889	151	25	to	to	PART
fsr-3889	151	26	take	take	VERB
fsr-3889	151	27	investment	investment	NOUN
fsr-3889	151	28	risks	risk	NOUN
fsr-3889	151	29	in	in	ADP
fsr-3889	151	30	expectation	expectation	NOUN
fsr-3889	151	31	of	of	ADP
fsr-3889	151	32	higher	high	ADJ
fsr-3889	151	33	returns	return	NOUN
fsr-3889	151	34	.	.	PUNCT
fsr-3889	152	1	this	this	DET
fsr-3889	152	2	indicator	indicator	NOUN
fsr-3889	152	3	of	of	ADP
fsr-3889	152	4	willingness	willingness	NOUN
fsr-3889	152	5	to	to	PART
fsr-3889	152	6	take	take	VERB
fsr-3889	152	7	risk	risk	NOUN
fsr-3889	152	8	is	be	AUX
fsr-3889	152	9	then	then	ADV
fsr-3889	152	10	compared	compare	VERB
fsr-3889	152	11	to	to	ADP
fsr-3889	152	12	an	an	DET
fsr-3889	152	13	objective	objective	ADJ
fsr-3889	152	14	measure	measure	NOUN
fsr-3889	152	15	of	of	ADP
fsr-3889	152	16	risk	risk	NOUN
fsr-3889	152	17	tolerance	tolerance	NOUN
fsr-3889	152	18	—	—	PUNCT
fsr-3889	152	19	whether	whether	SCONJ
fsr-3889	152	20	or	or	CCONJ
fsr-3889	152	21	not	not	PART
fsr-3889	152	22	the	the	DET
fsr-3889	152	23	household	household	NOUN
fsr-3889	152	24	owns	own	VERB
fsr-3889	152	25	risky	risky	ADJ
fsr-3889	152	26	assets	asset	NOUN
fsr-3889	152	27	.	.	PUNCT
fsr-3889	153	1	thex2	thex2	PROPN
fsr-3889	153	2	test	test	NOUN
fsr-3889	153	3	for	for	ADP
fsr-3889	153	4	independence	independence	NOUN
fsr-3889	153	5	reveals	reveal	VERB
fsr-3889	153	6	that	that	SCONJ
fsr-3889	153	7	households	household	NOUN
fsr-3889	153	8	who	who	PRON
fsr-3889	153	9	report	report	VERB
fsr-3889	153	10	a	a	DET
fsr-3889	153	11	willingness	willingness	NOUN
fsr-3889	153	12	to	to	PART
fsr-3889	153	13	take	take	VERB
fsr-3889	153	14	risks	risk	NOUN
fsr-3889	153	15	are	be	AUX
fsr-3889	153	16	more	more	ADV
fsr-3889	153	17	likely	likely	ADJ
fsr-3889	153	18	to	to	PART
fsr-3889	153	19	own	own	VERB
fsr-3889	153	20	risky	risky	ADJ
fsr-3889	153	21	assets	asset	NOUN
fsr-3889	153	22	(	(	PUNCT
fsr-3889	153	23	table	table	NOUN
fsr-3889	153	24	3	3	NUM
fsr-3889	153	25	,	,	PUNCT
fsr-3889	153	26	panel	panel	NOUN
fsr-3889	153	27	a	a	PRON
fsr-3889	153	28	)	)	PUNCT
fsr-3889	153	29	.	.	PUNCT
fsr-3889	154	1	of	of	ADP
fsr-3889	154	2	households	household	NOUN
fsr-3889	154	3	reporting	report	VERB
fsr-3889	154	4	that	that	SCONJ
fsr-3889	154	5	they	they	PRON
fsr-3889	154	6	are	be	AUX
fsr-3889	154	7	willing	willing	ADJ
fsr-3889	154	8	to	to	PART
fsr-3889	154	9	take	take	VERB
fsr-3889	154	10	risk	risk	NOUN
fsr-3889	154	11	,	,	PUNCT
fsr-3889	154	12	58	58	NUM
fsr-3889	154	13	%	%	NOUN
fsr-3889	154	14	own	own	ADJ
fsr-3889	154	15	risky	risky	ADJ
fsr-3889	154	16	assets	asset	NOUN
fsr-3889	154	17	,	,	PUNCT
fsr-3889	154	18	compared	compare	VERB
fsr-3889	154	19	to	to	ADP
fsr-3889	154	20	only	only	ADV
fsr-3889	154	21	24	24	NUM
fsr-3889	154	22	%	%	NOUN
fsr-3889	154	23	of	of	ADP
fsr-3889	154	24	households	household	NOUN
fsr-3889	154	25	not	not	PART
fsr-3889	154	26	willing	willing	ADJ
fsr-3889	154	27	to	to	PART
fsr-3889	154	28	take	take	VERB
fsr-3889	154	29	risk	risk	NOUN
fsr-3889	154	30	.	.	PUNCT
fsr-3889	155	1	we	we	PRON
fsr-3889	155	2	also	also	ADV
fsr-3889	155	3	create	create	VERB
fsr-3889	155	4	an	an	DET
fsr-3889	155	5	indicator	indicator	NOUN
fsr-3889	155	6	variable	variable	NOUN
fsr-3889	155	7	for	for	ADP
fsr-3889	155	8	whether	whether	SCONJ
fsr-3889	155	9	households	household	NOUN
fsr-3889	155	10	exhibit	exhibit	VERB
fsr-3889	155	11	consistent	consistent	ADJ
fsr-3889	155	12	behavior	behavior	NOUN
fsr-3889	155	13	—	—	PUNCT
fsr-3889	155	14	indicating	indicate	VERB
fsr-3889	155	15	they	they	PRON
fsr-3889	155	16	are	be	AUX
fsr-3889	155	17	willing	willing	ADJ
fsr-3889	155	18	to	to	PART
fsr-3889	155	19	take	take	VERB
fsr-3889	155	20	risk	risk	NOUN
fsr-3889	155	21	and	and	CCONJ
fsr-3889	155	22	actually	actually	ADV
fsr-3889	155	23	owning	own	VERB
fsr-3889	155	24	risky	risky	ADJ
fsr-3889	155	25	assets	asset	NOUN
fsr-3889	155	26	,	,	PUNCT
fsr-3889	155	27	or	or	CCONJ
fsr-3889	155	28	indicating	indicate	VERB
fsr-3889	155	29	they	they	PRON
fsr-3889	155	30	are	be	AUX
fsr-3889	155	31	not	not	PART
fsr-3889	155	32	willing	willing	ADJ
fsr-3889	155	33	to	to	PART
fsr-3889	155	34	take	take	VERB
fsr-3889	155	35	risk	risk	NOUN
fsr-3889	155	36	and	and	CCONJ
fsr-3889	155	37	actually	actually	ADV
fsr-3889	155	38	not	not	PART
fsr-3889	155	39	owning	own	VERB
fsr-3889	155	40	risky	risky	ADJ
fsr-3889	155	41	assets	asset	NOUN
fsr-3889	155	42	.	.	PUNCT
fsr-3889	156	1	this	this	DET
fsr-3889	156	2	consistency	consistency	NOUN
fsr-3889	156	3	variable	variable	NOUN
fsr-3889	156	4	is	be	AUX
fsr-3889	156	5	compared	compare	VERB
fsr-3889	156	6	with	with	ADP
fsr-3889	156	7	the	the	DET
fsr-3889	156	8	race	race	NOUN
fsr-3889	156	9	variable	variable	NOUN
fsr-3889	156	10	.	.	PUNCT
fsr-3889	157	1	the	the	DET
fsr-3889	157	2	results	result	NOUN
fsr-3889	157	3	of	of	ADP
fsr-3889	157	4	thex2	thex2	NOUN
fsr-3889	157	5	test	test	NOUN
fsr-3889	157	6	for	for	ADP
fsr-3889	157	7	independence	independence	NOUN
fsr-3889	157	8	indicate	indicate	VERB
fsr-3889	157	9	that	that	SCONJ
fsr-3889	157	10	white	white	ADJ
fsr-3889	157	11	households	household	NOUN
fsr-3889	157	12	are	be	AUX
fsr-3889	157	13	more	more	ADV
fsr-3889	157	14	likely	likely	ADJ
fsr-3889	157	15	than	than	ADP
fsr-3889	157	16	black	black	ADJ
fsr-3889	157	17	households	household	NOUN
fsr-3889	157	18	to	to	PART
fsr-3889	157	19	exhibit	exhibit	VERB
fsr-3889	157	20	consistent	consistent	ADJ
fsr-3889	157	21	behavior	behavior	NOUN
fsr-3889	157	22	—	—	PUNCT
fsr-3889	157	23	being	be	AUX
fsr-3889	157	24	willing	willing	ADJ
fsr-3889	157	25	(	(	PUNCT
fsr-3889	157	26	unwilling	unwilling	ADJ
fsr-3889	157	27	)	)	PUNCT
fsr-3889	157	28	to	to	PART
fsr-3889	157	29	take	take	VERB
fsr-3889	157	30	risk	risk	NOUN
fsr-3889	157	31	and	and	CCONJ
fsr-3889	157	32	actually	actually	ADV
fsr-3889	157	33	owning	own	VERB
fsr-3889	157	34	(	(	PUNCT
fsr-3889	157	35	not	not	PART
fsr-3889	157	36	owning	own	VERB
fsr-3889	157	37	)	)	PUNCT
fsr-3889	157	38	risky	risky	ADJ
fsr-3889	157	39	assets	asset	NOUN
fsr-3889	157	40	(	(	PUNCT
fsr-3889	157	41	table	table	NOUN
fsr-3889	157	42	3	3	NUM
fsr-3889	157	43	,	,	PUNCT
fsr-3889	157	44	panel	panel	NOUN
fsr-3889	157	45	b	b	NOUN
fsr-3889	157	46	)	)	PUNCT
fsr-3889	157	47	.	.	PUNCT
fsr-3889	158	1	these	these	DET
fsr-3889	158	2	results	result	NOUN
fsr-3889	158	3	may	may	AUX
fsr-3889	158	4	suggest	suggest	VERB
fsr-3889	158	5	that	that	SCONJ
fsr-3889	158	6	black	black	ADJ
fsr-3889	158	7	households	household	NOUN
fsr-3889	158	8	differ	differ	VERB
fsr-3889	158	9	from	from	ADP
fsr-3889	158	10	white	white	ADJ
fsr-3889	158	11	households	household	NOUN
fsr-3889	158	12	in	in	ADP
fsr-3889	158	13	the	the	DET
fsr-3889	158	14	ability	ability	NOUN
fsr-3889	158	15	to	to	PART
fsr-3889	158	16	own	own	VERB
fsr-3889	158	17	risky	risky	ADJ
fsr-3889	158	18	assets	asset	NOUN
fsr-3889	158	19	given	give	VERB
fsr-3889	158	20	the	the	DET
fsr-3889	158	21	willingness	willingness	NOUN
fsr-3889	158	22	to	to	PART
fsr-3889	158	23	take	take	VERB
fsr-3889	158	24	risk	risk	NOUN
fsr-3889	158	25	.	.	PUNCT
fsr-3889	159	1	however	however	ADV
fsr-3889	159	2	,	,	PUNCT
fsr-3889	159	3	this	this	DET
fsr-3889	159	4	conclusion	conclusion	NOUN
fsr-3889	159	5	should	should	AUX
fsr-3889	159	6	be	be	AUX
fsr-3889	159	7	interpreted	interpret	VERB
fsr-3889	159	8	cautiously	cautiously	ADV
fsr-3889	159	9	since	since	SCONJ
fsr-3889	159	10	other	other	ADJ
fsr-3889	159	11	factors	factor	NOUN
fsr-3889	159	12	are	be	AUX
fsr-3889	159	13	not	not	PART
fsr-3889	159	14	controlled	control	VERB
fsr-3889	159	15	.	.	PUNCT
fsr-3889	160	1	156	156	NUM
fsr-3889	160	2	m.s	m.s	PROPN
fsr-3889	160	3	.	.	PUNCT
fsr-3889	160	4	gutter	gutter	NOUN
fsr-3889	160	5	/	/	SYM
fsr-3889	160	6	financial	financial	ADJ
fsr-3889	160	7	services	service	NOUN
fsr-3889	160	8	review	review	VERB
fsr-3889	160	9	8	8	NUM
fsr-3889	160	10	(	(	PUNCT
fsr-3889	160	11	1999	1999	NUM
fsr-3889	160	12	)	)	PUNCT
fsr-3889	160	13	149–162	149–162	NUM
fsr-3889	160	14	table	table	NOUN
fsr-3889	160	15	2	2	NUM
fsr-3889	160	16	characteristics	characteristic	NOUN
fsr-3889	160	17	of	of	ADP
fsr-3889	160	18	black	black	ADJ
fsr-3889	160	19	households	household	NOUN
fsr-3889	160	20	and	and	CCONJ
fsr-3889	160	21	white	white	ADJ
fsr-3889	160	22	householdsa	householdsa	X
fsr-3889	160	23	variable	variable	ADJ
fsr-3889	160	24	black	black	ADJ
fsr-3889	160	25	households	household	NOUN
fsr-3889	160	26	white	white	ADJ
fsr-3889	160	27	households	household	NOUN
fsr-3889	160	28	test	test	NOUN
fsr-3889	160	29	for	for	ADP
fsr-3889	160	30	difference	difference	NOUN
fsr-3889	160	31	between	between	ADP
fsr-3889	160	32	samples	sample	NOUN
fsr-3889	160	33	socioeconomic	socioeconomic	ADJ
fsr-3889	160	34	variables	variable	NOUN
fsr-3889	160	35	age	age	NOUN
fsr-3889	160	36	46.2	46.2	NUM
fsr-3889	160	37	49.5	49.5	NUM
fsr-3889	160	38	t	t	PROPN
fsr-3889	160	39	5	5	NUM
fsr-3889	160	40	14.152	14.152	NUM
fsr-3889	160	41	*	*	PUNCT
fsr-3889	160	42	household	household	NOUN
fsr-3889	160	43	type	type	NOUN
fsr-3889	160	44	single	single	ADJ
fsr-3889	160	45	male	male	NOUN
fsr-3889	160	46	19.00	19.00	NUM
fsr-3889	160	47	%	%	NOUN
fsr-3889	160	48	18.88	18.88	NUM
fsr-3889	160	49	%	%	NOUN
fsr-3889	160	50	x2	x2	NOUN
fsr-3889	160	51	5	5	NUM
fsr-3889	160	52	8.077	8.077	NUM
fsr-3889	160	53	*	*	PUNCT
fsr-3889	160	54	single	single	ADJ
fsr-3889	160	55	female	female	NOUN
fsr-3889	160	56	51.16	51.16	NUM
fsr-3889	160	57	%	%	NOUN
fsr-3889	160	58	25.80	25.80	NUM
fsr-3889	160	59	%	%	NOUN
fsr-3889	160	60	x2	x2	NOUN
fsr-3889	160	61	5	5	NUM
fsr-3889	160	62	968.277	968.277	NUM
fsr-3889	160	63	*	*	PUNCT
fsr-3889	160	64	married	marry	VERB
fsr-3889	160	65	29.90	29.90	NUM
fsr-3889	160	66	%	%	NOUN
fsr-3889	160	67	55.19	55.19	NUM
fsr-3889	160	68	%	%	NOUN
fsr-3889	160	69	x2	x2	NOUN
fsr-3889	160	70	5	5	NUM
fsr-3889	160	71	805.659	805.659	NUM
fsr-3889	160	72	*	*	NOUN
fsr-3889	160	73	household	household	NOUN
fsr-3889	160	74	size	size	NOUN
fsr-3889	160	75	2.64	2.64	NUM
fsr-3889	160	76	2.49	2.49	NUM
fsr-3889	160	77	t	t	NOUN
fsr-3889	160	78	5	5	NUM
fsr-3889	160	79	77.835	77.835	NUM
fsr-3889	160	80	*	*	NOUN
fsr-3889	160	81	others	other	NOUN
fsr-3889	160	82	living	live	VERB
fsr-3889	160	83	with	with	ADP
fsr-3889	160	84	respondent	respondent	NOUN
fsr-3889	160	85	spouse	spouse	NOUN
fsr-3889	160	86	/	/	SYM
fsr-3889	160	87	partner	partner	NOUN
fsr-3889	160	88	36.69	36.69	NUM
fsr-3889	160	89	%	%	NOUN
fsr-3889	160	90	60.93	60.93	NUM
fsr-3889	160	91	%	%	NOUN
fsr-3889	160	92	x2	x2	NOUN
fsr-3889	160	93	5	5	NUM
fsr-3889	160	94	778.619	778.619	NUM
fsr-3889	160	95	*	*	PUNCT
fsr-3889	160	96	children	child	NOUN
fsr-3889	160	97	53.23	53.23	NUM
fsr-3889	160	98	%	%	NOUN
fsr-3889	160	99	42.00	42.00	NUM
fsr-3889	160	100	%	%	NOUN
fsr-3889	160	101	x2	x2	NOUN
fsr-3889	160	102	5	5	NUM
fsr-3889	160	103	175.724	175.724	NUM
fsr-3889	160	104	*	*	PUNCT
fsr-3889	160	105	adult	adult	NOUN
fsr-3889	160	106	relatives	relative	NOUN
fsr-3889	160	107	9.95	9.95	NUM
fsr-3889	160	108	%	%	NOUN
fsr-3889	160	109	3.70	3.70	NUM
fsr-3889	160	110	%	%	NOUN
fsr-3889	160	111	x2	x2	NOUN
fsr-3889	160	112	5	5	NUM
fsr-3889	160	113	222.252	222.252	NUM
fsr-3889	160	114	*	*	NOUN
fsr-3889	160	115	other	other	ADJ
fsr-3889	160	116	adults	adult	NOUN
fsr-3889	160	117	2.01	2.01	NUM
fsr-3889	160	118	%	%	NOUN
fsr-3889	160	119	4.00	4.00	NUM
fsr-3889	160	120	%	%	NOUN
fsr-3889	160	121	x2	x2	NOUN
fsr-3889	160	122	5	5	NUM
fsr-3889	160	123	6.045	6.045	NUM
fsr-3889	160	124	*	*	SYM
fsr-3889	160	125	education	education	NOUN
fsr-3889	160	126	less	less	ADJ
fsr-3889	160	127	than	than	ADP
fsr-3889	160	128	high	high	ADJ
fsr-3889	160	129	school	school	NOUN
fsr-3889	160	130	28.60	28.60	NUM
fsr-3889	160	131	%	%	NOUN
fsr-3889	160	132	17.57	17.57	NUM
fsr-3889	160	133	%	%	NOUN
fsr-3889	160	134	x2	x2	NOUN
fsr-3889	160	135	5	5	NUM
fsr-3889	160	136	309.573	309.573	NUM
fsr-3889	160	137	*	*	NUM
fsr-3889	160	138	high	high	ADJ
fsr-3889	160	139	school	school	NOUN
fsr-3889	160	140	35.35	35.35	NUM
fsr-3889	160	141	%	%	NOUN
fsr-3889	160	142	29.94	29.94	NUM
fsr-3889	160	143	%	%	NOUN
fsr-3889	160	144	x2	x2	NOUN
fsr-3889	160	145	5	5	NUM
fsr-3889	161	1	90.347	90.347	NUM
fsr-3889	161	2	*	*	PUNCT
fsr-3889	161	3	some	some	DET
fsr-3889	161	4	college	college	NOUN
fsr-3889	161	5	23.10	23.10	NUM
fsr-3889	161	6	%	%	NOUN
fsr-3889	161	7	23.38	23.38	NUM
fsr-3889	161	8	%	%	NOUN
fsr-3889	161	9	x2	x2	NOUN
fsr-3889	161	10	5	5	NUM
fsr-3889	161	11	8.311	8.311	NUM
fsr-3889	161	12	*	*	PUNCT
fsr-3889	161	13	college	college	NOUN
fsr-3889	161	14	degree	degree	NOUN
fsr-3889	161	15	12.98	12.98	NUM
fsr-3889	161	16	%	%	NOUN
fsr-3889	161	17	29.11	29.11	NUM
fsr-3889	161	18	%	%	NOUN
fsr-3889	161	19	x2	x2	NOUN
fsr-3889	161	20	5	5	NUM
fsr-3889	162	1	532.301	532.301	NUM
fsr-3889	162	2	*	*	NOUN
fsr-3889	162	3	financial	financial	ADJ
fsr-3889	162	4	variables	variable	NOUN
fsr-3889	162	5	net	net	ADJ
fsr-3889	162	6	worth	worth	ADJ
fsr-3889	162	7	$	$	SYM
fsr-3889	162	8	45,854	45,854	NUM
fsr-3889	162	9	$	$	SYM
fsr-3889	162	10	246,287	246,287	NUM
fsr-3889	162	11	t	t	NOUN
fsr-3889	162	12	5	5	NUM
fsr-3889	162	13	8.37	8.37	NUM
fsr-3889	162	14	*	*	NOUN
fsr-3889	162	15	annual	annual	ADJ
fsr-3889	162	16	household	household	NOUN
fsr-3889	162	17	income	income	NOUN
fsr-3889	162	18	$	$	SYM
fsr-3889	162	19	23,826	23,826	NUM
fsr-3889	162	20	$	$	SYM
fsr-3889	162	21	52,231	52,231	NUM
fsr-3889	162	22	t	t	NOUN
fsr-3889	162	23	5	5	NUM
fsr-3889	162	24	7.173	7.173	NUM
fsr-3889	162	25	*	*	PUNCT
fsr-3889	162	26	own	own	ADJ
fsr-3889	162	27	risky	risky	ADJ
fsr-3889	162	28	assets	asset	NOUN
fsr-3889	162	29	22.80	22.80	NUM
fsr-3889	162	30	%	%	NOUN
fsr-3889	162	31	46.14	46.14	NUM
fsr-3889	162	32	%	%	NOUN
fsr-3889	162	33	x2	x2	NOUN
fsr-3889	162	34	5	5	NUM
fsr-3889	162	35	940.50	940.50	NUM
fsr-3889	162	36	*	*	VERB
fsr-3889	162	37	net	net	ADJ
fsr-3889	162	38	financial	financial	ADJ
fsr-3889	162	39	assets	asset	NOUN
fsr-3889	162	40	$	$	SYM
fsr-3889	162	41	49,511	49,511	NUM
fsr-3889	162	42	$	$	SYM
fsr-3889	162	43	185,643	185,643	NUM
fsr-3889	162	44	t	t	NOUN
fsr-3889	162	45	5	5	NUM
fsr-3889	162	46	7.809	7.809	NUM
fsr-3889	162	47	*	*	PUNCT
fsr-3889	162	48	stocks	stock	NOUN
fsr-3889	162	49	$	$	SYM
fsr-3889	162	50	377	377	NUM
fsr-3889	162	51	$	$	SYM
fsr-3889	162	52	17,639	17,639	NUM
fsr-3889	162	53	t	t	NOUN
fsr-3889	162	54	5	5	NUM
fsr-3889	162	55	2.686	2.686	NUM
fsr-3889	162	56	*	*	NOUN
fsr-3889	162	57	proportion	proportion	NOUN
fsr-3889	162	58	of	of	ADP
fsr-3889	162	59	stocks	stock	NOUN
fsr-3889	162	60	in	in	ADP
fsr-3889	162	61	pensions	pension	NOUN
fsr-3889	162	62	12.34	12.34	NUM
fsr-3889	162	63	%	%	NOUN
fsr-3889	162	64	16.93	16.93	NUM
fsr-3889	162	65	%	%	NOUN
fsr-3889	162	66	x2	x2	NOUN
fsr-3889	162	67	5	5	NUM
fsr-3889	162	68	23.245	23.245	NUM
fsr-3889	162	69	*	*	PUNCT
fsr-3889	162	70	business	business	NOUN
fsr-3889	162	71	assets	asset	NOUN
fsr-3889	162	72	$	$	SYM
fsr-3889	162	73	3,355	3,355	NUM
fsr-3889	162	74	$	$	SYM
fsr-3889	162	75	53,378	53,378	NUM
fsr-3889	162	76	t	t	NOUN
fsr-3889	162	77	5	5	NUM
fsr-3889	162	78	3.65	3.65	NUM
fsr-3889	162	79	*	*	PUNCT
fsr-3889	162	80	stock	stock	NOUN
fsr-3889	162	81	funds	fund	NOUN
fsr-3889	162	82	$	$	SYM
fsr-3889	162	83	153	153	NUM
fsr-3889	162	84	$	$	SYM
fsr-3889	162	85	7,443	7,443	NUM
fsr-3889	162	86	t	t	NOUN
fsr-3889	162	87	5	5	NUM
fsr-3889	162	88	4.452	4.452	NUM
fsr-3889	162	89	*	*	PUNCT
fsr-3889	162	90	received	receive	VERB
fsr-3889	162	91	inheritance	inheritance	NOUN
fsr-3889	162	92	10.98	10.98	NUM
fsr-3889	162	93	%	%	NOUN
fsr-3889	162	94	24.05	24.05	NUM
fsr-3889	162	95	%	%	NOUN
fsr-3889	162	96	x2	x2	NOUN
fsr-3889	162	97	5	5	NUM
fsr-3889	162	98	321.16	321.16	NUM
fsr-3889	162	99	*	*	PUNCT
fsr-3889	162	100	expects	expect	VERB
fsr-3889	162	101	future	future	ADJ
fsr-3889	162	102	inheritance	inheritance	NOUN
fsr-3889	162	103	4.34	4.34	NUM
fsr-3889	162	104	%	%	NOUN
fsr-3889	162	105	15.41	15.41	NUM
fsr-3889	162	106	%	%	NOUN
fsr-3889	162	107	x2	x2	NOUN
fsr-3889	162	108	5	5	NUM
fsr-3889	162	109	191.169	191.169	NUM
fsr-3889	162	110	*	*	NOUN
fsr-3889	162	111	attitudinal	attitudinal	ADJ
fsr-3889	162	112	variables	variable	NOUN
fsr-3889	162	113	willingness	willingness	NOUN
fsr-3889	162	114	to	to	PART
fsr-3889	162	115	take	take	VERB
fsr-3889	162	116	risk	risk	NOUN
fsr-3889	162	117	not	not	PART
fsr-3889	162	118	willing	willing	ADJ
fsr-3889	162	119	59.72	59.72	NUM
fsr-3889	162	120	%	%	NOUN
fsr-3889	162	121	42.19	42.19	NUM
fsr-3889	162	122	%	%	NOUN
fsr-3889	163	1	x2	x2	NOUN
fsr-3889	163	2	5	5	NUM
fsr-3889	163	3	511.132	511.132	NUM
fsr-3889	163	4	*	*	SYM
fsr-3889	163	5	average	average	ADJ
fsr-3889	163	6	risk	risk	NOUN
fsr-3889	163	7	29.59	29.59	NUM
fsr-3889	163	8	%	%	NOUN
fsr-3889	163	9	39.72	39.72	NUM
fsr-3889	163	10	%	%	NOUN
fsr-3889	163	11	x2	x2	NOUN
fsr-3889	163	12	5	5	NUM
fsr-3889	163	13	118.695	118.695	NUM
fsr-3889	163	14	*	*	VERB
fsr-3889	163	15	above	above	ADP
fsr-3889	163	16	average	average	ADJ
fsr-3889	163	17	risk	risk	NOUN
fsr-3889	163	18	7.03	7.03	NUM
fsr-3889	163	19	%	%	NOUN
fsr-3889	163	20	14.73	14.73	NUM
fsr-3889	163	21	%	%	NOUN
fsr-3889	163	22	x2	x2	NOUN
fsr-3889	163	23	5	5	NUM
fsr-3889	163	24	156.905	156.905	NUM
fsr-3889	163	25	*	*	NOUN
fsr-3889	163	26	substantial	substantial	ADJ
fsr-3889	163	27	risk	risk	NOUN
fsr-3889	163	28	3.65	3.65	NUM
fsr-3889	163	29	%	%	NOUN
fsr-3889	163	30	3.36	3.36	NUM
fsr-3889	163	31	%	%	NOUN
fsr-3889	163	32	x2	x2	NOUN
fsr-3889	163	33	5	5	NUM
fsr-3889	163	34	2.729	2.729	NUM
fsr-3889	163	35	expect	expect	VERB
fsr-3889	163	36	united	united	PROPN
fsr-3889	163	37	states	states	PROPN
fsr-3889	163	38	economy	economy	NOUN
fsr-3889	163	39	to	to	PART
fsr-3889	163	40	improve	improve	VERB
fsr-3889	163	41	28.99	28.99	NUM
fsr-3889	163	42	%	%	NOUN
fsr-3889	163	43	25.22	25.22	NUM
fsr-3889	163	44	%	%	NOUN
fsr-3889	163	45	x2	x2	NOUN
fsr-3889	163	46	5	5	NUM
fsr-3889	163	47	9.180	9.180	NUM
fsr-3889	163	48	*	*	PUNCT
fsr-3889	163	49	stay	stay	VERB
fsr-3889	163	50	the	the	DET
fsr-3889	163	51	same	same	ADJ
fsr-3889	163	52	38.54	38.54	NUM
fsr-3889	163	53	%	%	NOUN
fsr-3889	163	54	51.67	51.67	NUM
fsr-3889	163	55	%	%	NOUN
fsr-3889	163	56	x2	x2	NOUN
fsr-3889	163	57	5	5	NUM
fsr-3889	163	58	136.30	136.30	NUM
fsr-3889	163	59	*	*	PUNCT
fsr-3889	163	60	worsen	worsen	VERB
fsr-3889	163	61	33.47	33.47	NUM
fsr-3889	163	62	%	%	NOUN
fsr-3889	163	63	23.11	23.11	NUM
fsr-3889	163	64	%	%	NOUN
fsr-3889	163	65	x2	x2	NOUN
fsr-3889	163	66	5	5	NUM
fsr-3889	163	67	118.714	118.714	NUM
fsr-3889	163	68	*	*	PUNCT
fsr-3889	163	69	discouraged	discourage	VERB
fsr-3889	163	70	when	when	SCONJ
fsr-3889	163	71	applying	apply	VERB
fsr-3889	163	72	for	for	ADP
fsr-3889	163	73	credit	credit	NOUN
fsr-3889	163	74	36.10	36.10	NUM
fsr-3889	163	75	%	%	NOUN
fsr-3889	163	76	12.90	12.90	NUM
fsr-3889	163	77	%	%	NOUN
fsr-3889	163	78	x2	x2	NOUN
fsr-3889	163	79	5	5	NUM
fsr-3889	163	80	1145.795	1145.795	NUM
fsr-3889	163	81	*	*	PUNCT
fsr-3889	163	82	investment	investment	NOUN
fsr-3889	163	83	horizon	horizon	NOUN
fsr-3889	163	84	3.45	3.45	NUM
fsr-3889	163	85	5.17	5.17	NUM
fsr-3889	163	86	t	t	NOUN
fsr-3889	163	87	5	5	NUM
fsr-3889	163	88	118.93	118.93	NUM
fsr-3889	163	89	*	*	NOUN
fsr-3889	163	90	reasons	reason	NOUN
fsr-3889	163	91	for	for	ADP
fsr-3889	163	92	saving	save	VERB
fsr-3889	163	93	financial	financial	ADJ
fsr-3889	163	94	goals	goal	NOUN
fsr-3889	163	95	9.06	9.06	NUM
fsr-3889	163	96	%	%	NOUN
fsr-3889	163	97	9.07	9.07	NUM
fsr-3889	163	98	%	%	NOUN
fsr-3889	163	99	x2	x2	NOUN
fsr-3889	163	100	5	5	NUM
fsr-3889	163	101	3.023	3.023	NUM
fsr-3889	163	102	emergency	emergency	NOUN
fsr-3889	163	103	fund	fund	NOUN
fsr-3889	163	104	40.41	40.41	NUM
fsr-3889	163	105	%	%	NOUN
fsr-3889	163	106	33.51	33.51	NUM
fsr-3889	163	107	%	%	NOUN
fsr-3889	163	108	x2	x2	NOUN
fsr-3889	163	109	5	5	NUM
fsr-3889	163	110	62.252	62.252	NUM
fsr-3889	163	111	*	*	SYM
fsr-3889	163	112	charity	charity	NOUN
fsr-3889	163	113	0.00	0.00	NUM
fsr-3889	163	114	%	%	NOUN
fsr-3889	163	115	0.10	0.10	NUM
fsr-3889	163	116	%	%	NOUN
fsr-3889	163	117	x2	x2	NOUN
fsr-3889	163	118	5	5	NUM
fsr-3889	163	119	4.274	4.274	NUM
fsr-3889	163	120	*	*	PUNCT
fsr-3889	163	121	child	child	NOUN
fsr-3889	163	122	’s	’s	PART
fsr-3889	163	123	education	education	NOUN
fsr-3889	163	124	9.28	9.28	NUM
fsr-3889	163	125	%	%	NOUN
fsr-3889	163	126	8.49	8.49	NUM
fsr-3889	163	127	%	%	NOUN
fsr-3889	163	128	x2	x2	NOUN
fsr-3889	163	129	5	5	NUM
fsr-3889	163	130	4.991	4.991	NUM
fsr-3889	163	131	luxuries	luxury	NOUN
fsr-3889	163	132	1.84	1.84	NUM
fsr-3889	163	133	%	%	NOUN
fsr-3889	163	134	3.13	3.13	NUM
fsr-3889	163	135	%	%	NOUN
fsr-3889	163	136	x2	x2	NOUN
fsr-3889	163	137	5	5	NUM
fsr-3889	163	138	2.241	2.241	NUM
fsr-3889	163	139	durable	durable	ADJ
fsr-3889	163	140	goods	good	NOUN
fsr-3889	163	141	11.72	11.72	NUM
fsr-3889	163	142	%	%	NOUN
fsr-3889	163	143	9.31	9.31	NUM
fsr-3889	163	144	%	%	NOUN
fsr-3889	163	145	x2	x2	NOUN
fsr-3889	163	146	5	5	NUM
fsr-3889	163	147	48.399	48.399	NUM
fsr-3889	163	148	*	*	NUM
fsr-3889	163	149	own	own	ADJ
fsr-3889	163	150	education	education	NOUN
fsr-3889	163	151	5.24	5.24	NUM
fsr-3889	163	152	%	%	NOUN
fsr-3889	163	153	4.67	4.67	NUM
fsr-3889	163	154	%	%	NOUN
fsr-3889	163	155	x2	x2	NOUN
fsr-3889	163	156	5	5	NUM
fsr-3889	163	157	3.011	3.011	NUM
fsr-3889	163	158	a	a	DET
fsr-3889	163	159	source:1995	source:1995	NOUN
fsr-3889	163	160	survey	survey	NOUN
fsr-3889	163	161	of	of	ADP
fsr-3889	163	162	consumer	consumer	NOUN
fsr-3889	163	163	finances	finance	NOUN
fsr-3889	163	164	;	;	PUNCT
fsr-3889	163	165	data	datum	NOUN
fsr-3889	163	166	from	from	ADP
fsr-3889	163	167	all	all	DET
fsr-3889	163	168	five	five	NUM
fsr-3889	163	169	implicates	implicate	NOUN
fsr-3889	163	170	;	;	PUNCT
fsr-3889	163	171	estimates	estimate	NOUN
fsr-3889	163	172	derived	derive	VERB
fsr-3889	163	173	using	use	VERB
fsr-3889	163	174	repeatedimputation	repeatedimputation	NOUN
fsr-3889	163	175	inference	inference	NOUN
fsr-3889	163	176	techniques	technique	NOUN
fsr-3889	163	177	.	.	PUNCT
fsr-3889	164	1	*	*	PUNCT
fsr-3889	164	2	p	p	X
fsr-3889	164	3	#	#	NOUN
fsr-3889	164	4	0.05	0.05	NUM
fsr-3889	164	5	.	.	PUNCT
fsr-3889	165	1	157m.s	157m.s	NUM
fsr-3889	165	2	.	.	PUNCT
fsr-3889	166	1	gutter	gutter	NOUN
fsr-3889	166	2	/	/	SYM
fsr-3889	166	3	financial	financial	ADJ
fsr-3889	166	4	services	service	NOUN
fsr-3889	166	5	review	review	VERB
fsr-3889	166	6	8	8	NUM
fsr-3889	166	7	(	(	PUNCT
fsr-3889	166	8	1999	1999	NUM
fsr-3889	166	9	)	)	PUNCT
fsr-3889	166	10	149–162	149–162	NUM
fsr-3889	166	11	for	for	ADP
fsr-3889	166	12	the	the	DET
fsr-3889	166	13	regression	regression	NOUN
fsr-3889	166	14	analysis	analysis	NOUN
fsr-3889	166	15	,	,	PUNCT
fsr-3889	166	16	household	household	NOUN
fsr-3889	166	17	income	income	NOUN
fsr-3889	166	18	is	be	AUX
fsr-3889	166	19	categorized	categorize	VERB
fsr-3889	166	20	into	into	ADP
fsr-3889	166	21	three	three	NUM
fsr-3889	166	22	groups	group	NOUN
fsr-3889	166	23	defined	define	VERB
fsr-3889	166	24	by	by	ADP
fsr-3889	166	25	the	the	DET
fsr-3889	166	26	lowest	low	ADJ
fsr-3889	166	27	quartile	quartile	NOUN
fsr-3889	166	28	,	,	PUNCT
fsr-3889	166	29	middle	middle	ADJ
fsr-3889	166	30	two	two	NUM
fsr-3889	166	31	quartiles	quartile	NOUN
fsr-3889	166	32	,	,	PUNCT
fsr-3889	166	33	and	and	CCONJ
fsr-3889	166	34	upper	upper	ADJ
fsr-3889	166	35	quartile	quartile	NOUN
fsr-3889	166	36	of	of	ADP
fsr-3889	166	37	the	the	DET
fsr-3889	166	38	sample	sample	NOUN
fsr-3889	166	39	income	income	NOUN
fsr-3889	166	40	distribution	distribution	NOUN
fsr-3889	166	41	.	.	PUNCT
fsr-3889	167	1	the	the	DET
fsr-3889	167	2	majority	majority	NOUN
fsr-3889	167	3	of	of	ADP
fsr-3889	167	4	black	black	ADJ
fsr-3889	167	5	households	household	NOUN
fsr-3889	167	6	are	be	AUX
fsr-3889	167	7	in	in	ADP
fsr-3889	167	8	the	the	DET
fsr-3889	167	9	lowest	low	ADJ
fsr-3889	167	10	income	income	NOUN
fsr-3889	167	11	quartile	quartile	NOUN
fsr-3889	167	12	(	(	PUNCT
fsr-3889	167	13	57	57	NUM
fsr-3889	167	14	%	%	NOUN
fsr-3889	167	15	)	)	PUNCT
fsr-3889	167	16	compared	compare	VERB
fsr-3889	167	17	to	to	ADP
fsr-3889	167	18	less	less	ADJ
fsr-3889	167	19	than	than	ADP
fsr-3889	167	20	one	one	NUM
fsr-3889	167	21	third	third	NOUN
fsr-3889	167	22	of	of	ADP
fsr-3889	167	23	white	white	ADJ
fsr-3889	167	24	households	household	NOUN
fsr-3889	167	25	(	(	PUNCT
fsr-3889	167	26	32	32	NUM
fsr-3889	167	27	%	%	NOUN
fsr-3889	167	28	)	)	PUNCT
fsr-3889	167	29	.	.	PUNCT
fsr-3889	168	1	within	within	ADP
fsr-3889	168	2	each	each	DET
fsr-3889	168	3	income	income	NOUN
fsr-3889	168	4	category	category	NOUN
fsr-3889	168	5	,	,	PUNCT
fsr-3889	168	6	mean	mean	ADJ
fsr-3889	168	7	income	income	NOUN
fsr-3889	168	8	is	be	AUX
fsr-3889	168	9	lower	low	ADJ
fsr-3889	168	10	for	for	ADP
fsr-3889	168	11	black	black	ADJ
fsr-3889	168	12	households	household	NOUN
fsr-3889	168	13	compared	compare	VERB
fsr-3889	168	14	to	to	ADP
fsr-3889	168	15	white	white	ADJ
fsr-3889	168	16	households	household	NOUN
fsr-3889	168	17	(	(	PUNCT
fsr-3889	168	18	table	table	NOUN
fsr-3889	168	19	3	3	NUM
fsr-3889	168	20	,	,	PUNCT
fsr-3889	168	21	panel	panel	NOUN
fsr-3889	168	22	c	c	NOUN
fsr-3889	168	23	)	)	PUNCT
fsr-3889	168	24	.	.	PUNCT
fsr-3889	169	1	the	the	DET
fsr-3889	169	2	logistic	logistic	ADJ
fsr-3889	169	3	regression	regression	NOUN
fsr-3889	169	4	results	result	NOUN
fsr-3889	169	5	for	for	ADP
fsr-3889	169	6	the	the	DET
fsr-3889	169	7	interaction	interaction	NOUN
fsr-3889	169	8	model	model	NOUN
fsr-3889	169	9	(	(	PUNCT
fsr-3889	169	10	table	table	NOUN
fsr-3889	169	11	4	4	NUM
fsr-3889	169	12	)	)	PUNCT
fsr-3889	169	13	indicate	indicate	VERB
fsr-3889	169	14	that	that	SCONJ
fsr-3889	169	15	there	there	PRON
fsr-3889	169	16	are	be	VERB
fsr-3889	169	17	racial	racial	ADJ
fsr-3889	169	18	differences	difference	NOUN
fsr-3889	169	19	in	in	ADP
fsr-3889	169	20	the	the	DET
fsr-3889	169	21	determinants	determinant	NOUN
fsr-3889	169	22	of	of	ADP
fsr-3889	169	23	stock	stock	NOUN
fsr-3889	169	24	and	and	CCONJ
fsr-3889	169	25	small	small	ADJ
fsr-3889	169	26	business	business	NOUN
fsr-3889	169	27	ownership	ownership	NOUN
fsr-3889	169	28	.	.	PUNCT
fsr-3889	170	1	this	this	PRON
fsr-3889	170	2	supports	support	VERB
fsr-3889	170	3	our	our	PRON
fsr-3889	170	4	first	first	ADJ
fsr-3889	170	5	hypothesis	hypothesis	NOUN
fsr-3889	170	6	that	that	PRON
fsr-3889	170	7	the	the	DET
fsr-3889	170	8	effects	effect	NOUN
fsr-3889	170	9	of	of	ADP
fsr-3889	170	10	socioeconomic	socioeconomic	ADJ
fsr-3889	170	11	,	,	PUNCT
fsr-3889	170	12	financial	financial	ADJ
fsr-3889	170	13	,	,	PUNCT
fsr-3889	170	14	and	and	CCONJ
fsr-3889	170	15	attitudinal	attitudinal	ADJ
fsr-3889	170	16	variables	variable	NOUN
fsr-3889	170	17	on	on	ADP
fsr-3889	170	18	risky	risky	ADJ
fsr-3889	170	19	asset	asset	NOUN
fsr-3889	170	20	ownership	ownership	NOUN
fsr-3889	170	21	differ	differ	VERB
fsr-3889	170	22	between	between	ADP
fsr-3889	170	23	black	black	ADJ
fsr-3889	170	24	households	household	NOUN
fsr-3889	170	25	and	and	CCONJ
fsr-3889	170	26	white	white	ADJ
fsr-3889	170	27	households	household	NOUN
fsr-3889	170	28	.	.	PUNCT
fsr-3889	171	1	the	the	DET
fsr-3889	171	2	joint	joint	ADJ
fsr-3889	171	3	test	test	NOUN
fsr-3889	171	4	of	of	ADP
fsr-3889	171	5	the	the	DET
fsr-3889	171	6	race	race	NOUN
fsr-3889	171	7	indicator	indicator	NOUN
fsr-3889	171	8	variable	variable	NOUN
fsr-3889	171	9	and	and	CCONJ
fsr-3889	171	10	the	the	DET
fsr-3889	171	11	set	set	NOUN
fsr-3889	171	12	of	of	ADP
fsr-3889	171	13	interaction	interaction	NOUN
fsr-3889	171	14	terms	term	NOUN
fsr-3889	171	15	is	be	AUX
fsr-3889	171	16	statistically	statistically	ADV
fsr-3889	171	17	significant	significant	ADJ
fsr-3889	171	18	(	(	PUNCT
fsr-3889	171	19	p	p	NOUN
fsr-3889	171	20	,	,	PUNCT
fsr-3889	171	21	0.001	0.001	NUM
fsr-3889	171	22	)	)	PUNCT
fsr-3889	171	23	.	.	PUNCT
fsr-3889	172	1	the	the	DET
fsr-3889	172	2	decomposition	decomposition	NOUN
fsr-3889	172	3	of	of	ADP
fsr-3889	172	4	the	the	DET
fsr-3889	172	5	between	between	NOUN
fsr-3889	172	6	-	-	PUNCT
fsr-3889	172	7	group	group	NOUN
fsr-3889	172	8	difference	difference	NOUN
fsr-3889	172	9	indicates	indicate	VERB
fsr-3889	172	10	an	an	DET
fsr-3889	172	11	insignificant	insignificant	ADJ
fsr-3889	172	12	constant	constant	ADJ
fsr-3889	172	13	effect	effect	NOUN
fsr-3889	172	14	(	(	PUNCT
fsr-3889	172	15	p	p	NOUN
fsr-3889	172	16	5	5	NUM
fsr-3889	172	17	0.956	0.956	NUM
fsr-3889	172	18	)	)	PUNCT
fsr-3889	172	19	,	,	PUNCT
fsr-3889	172	20	and	and	CCONJ
fsr-3889	172	21	a	a	DET
fsr-3889	172	22	statistically	statistically	ADV
fsr-3889	172	23	significant	significant	ADJ
fsr-3889	172	24	coefficient	coefficient	NOUN
fsr-3889	172	25	effect	effect	NOUN
fsr-3889	172	26	(	(	PUNCT
fsr-3889	172	27	p	p	NOUN
fsr-3889	172	28	,	,	PUNCT
fsr-3889	172	29	0.001	0.001	NUM
fsr-3889	172	30	)	)	PUNCT
fsr-3889	172	31	.	.	PUNCT
fsr-3889	173	1	this	this	PRON
fsr-3889	173	2	supports	support	VERB
fsr-3889	173	3	our	our	PRON
fsr-3889	173	4	second	second	ADJ
fsr-3889	173	5	hypothesis	hypothesis	NOUN
fsr-3889	173	6	that	that	PRON
fsr-3889	173	7	differences	difference	NOUN
fsr-3889	173	8	in	in	ADP
fsr-3889	173	9	risky	risky	ADJ
fsr-3889	173	10	asset	asset	NOUN
fsr-3889	173	11	ownership	ownership	NOUN
fsr-3889	173	12	between	between	ADP
fsr-3889	173	13	black	black	ADJ
fsr-3889	173	14	households	household	NOUN
fsr-3889	173	15	and	and	CCONJ
fsr-3889	173	16	white	white	ADJ
fsr-3889	173	17	households	household	NOUN
fsr-3889	173	18	are	be	AUX
fsr-3889	173	19	due	due	ADJ
fsr-3889	173	20	to	to	ADP
fsr-3889	173	21	racial	racial	ADJ
fsr-3889	173	22	differences	difference	NOUN
fsr-3889	173	23	in	in	ADP
fsr-3889	173	24	the	the	DET
fsr-3889	173	25	individual	individual	ADJ
fsr-3889	173	26	determinants	determinant	NOUN
fsr-3889	173	27	of	of	ADP
fsr-3889	173	28	risky	risky	ADJ
fsr-3889	173	29	asset	asset	NOUN
fsr-3889	173	30	ownership	ownership	NOUN
fsr-3889	173	31	,	,	PUNCT
fsr-3889	173	32	not	not	PART
fsr-3889	173	33	to	to	PART
fsr-3889	173	34	race	race	VERB
fsr-3889	173	35	in	in	ADV
fsr-3889	173	36	and	and	CCONJ
fsr-3889	173	37	of	of	ADP
fsr-3889	173	38	itself	itself	PRON
fsr-3889	173	39	.	.	PUNCT
fsr-3889	174	1	in	in	ADP
fsr-3889	174	2	the	the	DET
fsr-3889	174	3	intermediate	intermediate	ADJ
fsr-3889	174	4	model	model	NOUN
fsr-3889	174	5	,	,	PUNCT
fsr-3889	174	6	the	the	DET
fsr-3889	174	7	race	race	NOUN
fsr-3889	174	8	indicator	indicator	NOUN
fsr-3889	174	9	variable	variable	NOUN
fsr-3889	174	10	is	be	AUX
fsr-3889	174	11	significant	significant	ADJ
fsr-3889	174	12	and	and	CCONJ
fsr-3889	174	13	negative	negative	ADJ
fsr-3889	174	14	,	,	PUNCT
fsr-3889	174	15	indicating	indicate	VERB
fsr-3889	174	16	that	that	SCONJ
fsr-3889	174	17	black	black	ADJ
fsr-3889	174	18	households	household	NOUN
fsr-3889	174	19	are	be	AUX
fsr-3889	174	20	less	less	ADV
fsr-3889	174	21	likely	likely	ADJ
fsr-3889	174	22	than	than	ADP
fsr-3889	174	23	white	white	ADJ
fsr-3889	174	24	households	household	NOUN
fsr-3889	174	25	to	to	PART
fsr-3889	174	26	hold	hold	VERB
fsr-3889	174	27	stocks	stock	NOUN
fsr-3889	174	28	and	and	CCONJ
fsr-3889	174	29	small	small	ADJ
fsr-3889	174	30	business	business	NOUN
fsr-3889	174	31	investments	investment	NOUN
fsr-3889	174	32	.	.	PUNCT
fsr-3889	175	1	however	however	ADV
fsr-3889	175	2	,	,	PUNCT
fsr-3889	175	3	in	in	ADP
fsr-3889	175	4	the	the	DET
fsr-3889	175	5	interaction	interaction	NOUN
fsr-3889	175	6	model	model	NOUN
fsr-3889	175	7	,	,	PUNCT
fsr-3889	175	8	race	race	NOUN
fsr-3889	175	9	is	be	AUX
fsr-3889	175	10	no	no	ADV
fsr-3889	175	11	longer	long	ADV
fsr-3889	175	12	statistically	statistically	ADV
fsr-3889	175	13	significant	significant	ADJ
fsr-3889	175	14	.	.	PUNCT
fsr-3889	176	1	racial	racial	ADJ
fsr-3889	176	2	differences	difference	NOUN
fsr-3889	176	3	in	in	ADP
fsr-3889	176	4	the	the	DET
fsr-3889	176	5	determinants	determinant	NOUN
fsr-3889	176	6	of	of	ADP
fsr-3889	176	7	stock	stock	NOUN
fsr-3889	176	8	or	or	CCONJ
fsr-3889	176	9	small	small	ADJ
fsr-3889	176	10	business	business	NOUN
fsr-3889	176	11	ownership	ownership	NOUN
fsr-3889	176	12	are	be	AUX
fsr-3889	176	13	due	due	ADJ
fsr-3889	176	14	to	to	ADP
fsr-3889	176	15	differences	difference	NOUN
fsr-3889	176	16	between	between	ADP
fsr-3889	176	17	black	black	ADJ
fsr-3889	176	18	households	household	NOUN
fsr-3889	176	19	and	and	CCONJ
fsr-3889	176	20	white	white	ADJ
fsr-3889	176	21	households	household	NOUN
fsr-3889	176	22	in	in	ADP
fsr-3889	176	23	the	the	DET
fsr-3889	176	24	impact	impact	NOUN
fsr-3889	176	25	of	of	ADP
fsr-3889	176	26	explanatory	explanatory	ADJ
fsr-3889	176	27	variables	variable	NOUN
fsr-3889	176	28	on	on	ADP
fsr-3889	176	29	risky	risky	ADJ
fsr-3889	176	30	asset	asset	NOUN
fsr-3889	176	31	ownership	ownership	NOUN
fsr-3889	176	32	.	.	PUNCT
fsr-3889	177	1	specifically	specifically	ADV
fsr-3889	177	2	,	,	PUNCT
fsr-3889	177	3	thex2	thex2	PROPN
fsr-3889	177	4	statistics	statistic	NOUN
fsr-3889	177	5	on	on	ADP
fsr-3889	177	6	the	the	DET
fsr-3889	177	7	interaction	interaction	NOUN
fsr-3889	177	8	variables	variable	NOUN
fsr-3889	177	9	for	for	ADP
fsr-3889	177	10	presence	presence	NOUN
fsr-3889	177	11	of	of	ADP
fsr-3889	177	12	children	child	NOUN
fsr-3889	177	13	and	and	CCONJ
fsr-3889	177	14	household	household	NOUN
fsr-3889	177	15	size	size	NOUN
fsr-3889	177	16	are	be	AUX
fsr-3889	177	17	statistically	statistically	ADV
fsr-3889	177	18	significant	significant	ADJ
fsr-3889	177	19	,	,	PUNCT
fsr-3889	177	20	indicating	indicate	VERB
fsr-3889	177	21	that	that	SCONJ
fsr-3889	177	22	table	table	NOUN
fsr-3889	177	23	3	3	NUM
fsr-3889	177	24	chi	chi	ADJ
fsr-3889	177	25	-	-	PUNCT
fsr-3889	177	26	square	square	ADJ
fsr-3889	177	27	tests	test	NOUN
fsr-3889	177	28	for	for	ADP
fsr-3889	177	29	independence	independence	NOUN
fsr-3889	177	30	(	(	PUNCT
fsr-3889	177	31	column	column	NOUN
fsr-3889	177	32	percents	percent	NOUN
fsr-3889	177	33	reported	report	VERB
fsr-3889	177	34	)	)	PUNCT
fsr-3889	177	35	panel	panel	NOUN
fsr-3889	177	36	a	a	DET
fsr-3889	177	37	:	:	PUNCT
fsr-3889	177	38	objective	objective	ADJ
fsr-3889	177	39	and	and	CCONJ
fsr-3889	177	40	self	self	NOUN
fsr-3889	177	41	-	-	PUNCT
fsr-3889	177	42	reported	report	VERB
fsr-3889	177	43	risk	risk	NOUN
fsr-3889	177	44	tolerance	tolerance	NOUN
fsr-3889	177	45	willing	willing	ADJ
fsr-3889	177	46	to	to	PART
fsr-3889	177	47	take	take	VERB
fsr-3889	177	48	risk	risk	NOUN
fsr-3889	177	49	not	not	PART
fsr-3889	177	50	willing	willing	ADJ
fsr-3889	177	51	to	to	PART
fsr-3889	177	52	take	take	VERB
fsr-3889	177	53	risk	risk	NOUN
fsr-3889	177	54	total	total	NOUN
fsr-3889	177	55	sample	sample	NOUN
fsr-3889	177	56	test	test	NOUN
fsr-3889	177	57	statistic	statistic	NOUN
fsr-3889	177	58	own	own	ADJ
fsr-3889	177	59	risky	risky	ADJ
fsr-3889	177	60	assets	asset	NOUN
fsr-3889	177	61	58.0	58.0	NUM
fsr-3889	177	62	%	%	NOUN
fsr-3889	177	63	23.8	23.8	NUM
fsr-3889	177	64	%	%	NOUN
fsr-3889	177	65	42.7	42.7	NUM
fsr-3889	177	66	%	%	NOUN
fsr-3889	177	67	2319.84	2319.84	NUM
fsr-3889	177	68	do	do	AUX
fsr-3889	177	69	not	not	PART
fsr-3889	177	70	own	own	VERB
fsr-3889	177	71	risky	risky	ADJ
fsr-3889	177	72	assets	asset	NOUN
fsr-3889	177	73	42.0	42.0	NUM
fsr-3889	177	74	%	%	NOUN
fsr-3889	177	75	76.2	76.2	NUM
fsr-3889	177	76	%	%	NOUN
fsr-3889	177	77	57.3	57.3	NUM
fsr-3889	177	78	%	%	NOUN
fsr-3889	177	79	(	(	PUNCT
fsr-3889	177	80	p	p	NOUN
fsr-3889	177	81	5	5	NUM
fsr-3889	177	82	0.000	0.000	NUM
fsr-3889	177	83	)	)	PUNCT
fsr-3889	177	84	panel	panel	NOUN
fsr-3889	177	85	b	b	NOUN
fsr-3889	177	86	:	:	PUNCT
fsr-3889	177	87	consistency	consistency	NOUN
fsr-3889	177	88	of	of	ADP
fsr-3889	177	89	risk	risk	NOUN
fsr-3889	177	90	measures	measure	NOUN
fsr-3889	177	91	and	and	CCONJ
fsr-3889	177	92	race	race	NOUN
fsr-3889	177	93	black	black	ADJ
fsr-3889	177	94	white	white	ADJ
fsr-3889	177	95	total	total	ADJ
fsr-3889	177	96	sample	sample	NOUN
fsr-3889	177	97	test	test	NOUN
fsr-3889	177	98	statistic	statistic	NOUN
fsr-3889	177	99	consistent	consistent	ADJ
fsr-3889	177	100	64.3	64.3	NUM
fsr-3889	177	101	%	%	NOUN
fsr-3889	177	102	66.5	66.5	NUM
fsr-3889	177	103	%	%	NOUN
fsr-3889	177	104	66.2	66.2	NUM
fsr-3889	177	105	%	%	NOUN
fsr-3889	177	106	4.84	4.84	NUM
fsr-3889	177	107	inconsistent	inconsistent	ADJ
fsr-3889	177	108	35.7	35.7	NUM
fsr-3889	177	109	%	%	NOUN
fsr-3889	177	110	33.5	33.5	NUM
fsr-3889	177	111	%	%	NOUN
fsr-3889	177	112	33.8	33.8	NUM
fsr-3889	177	113	%	%	NOUN
fsr-3889	177	114	(	(	PUNCT
fsr-3889	177	115	p	p	X
fsr-3889	177	116	5	5	NUM
fsr-3889	177	117	0.028	0.028	NUM
fsr-3889	177	118	)	)	PUNCT
fsr-3889	177	119	panel	panel	NOUN
fsr-3889	177	120	c	c	NOUN
fsr-3889	177	121	:	:	PUNCT
fsr-3889	177	122	income	income	NOUN
fsr-3889	177	123	distribution	distribution	NOUN
fsr-3889	177	124	and	and	CCONJ
fsr-3889	177	125	race	race	NOUN
fsr-3889	177	126	mean	mean	NOUN
fsr-3889	177	127	income	income	NOUN
fsr-3889	177	128	test	test	NOUN
fsr-3889	177	129	statistic	statistic	PROPN
fsr-3889	177	130	black	black	ADJ
fsr-3889	177	131	white	white	ADJ
fsr-3889	177	132	black	black	ADJ
fsr-3889	177	133	white	white	PROPN
fsr-3889	177	134	lowest	low	ADJ
fsr-3889	177	135	25	25	NUM
fsr-3889	177	136	%	%	NOUN
fsr-3889	177	137	57.1	57.1	NUM
fsr-3889	177	138	%	%	NOUN
fsr-3889	177	139	32.3	32.3	NUM
fsr-3889	177	140	%	%	NOUN
fsr-3889	177	141	$	$	SYM
fsr-3889	177	142	8,630	8,630	NUM
fsr-3889	177	143	$	$	SYM
fsr-3889	177	144	10,808	10,808	NUM
fsr-3889	177	145	988.36	988.36	NUM
fsr-3889	177	146	(	(	PUNCT
fsr-3889	177	147	p	p	PROPN
fsr-3889	177	148	5	5	NUM
fsr-3889	177	149	0.000	0.000	NUM
fsr-3889	177	150	)	)	PUNCT
fsr-3889	177	151	middle	middle	ADJ
fsr-3889	177	152	50	50	NUM
fsr-3889	177	153	%	%	NOUN
fsr-3889	177	154	41.9	41.9	NUM
fsr-3889	177	155	%	%	NOUN
fsr-3889	177	156	61.3	61.3	NUM
fsr-3889	177	157	%	%	NOUN
fsr-3889	177	158	$	$	SYM
fsr-3889	177	159	41,238	41,238	NUM
fsr-3889	177	160	$	$	SYM
fsr-3889	177	161	48,262	48,262	NUM
fsr-3889	177	162	43.75	43.75	NUM
fsr-3889	177	163	(	(	PUNCT
fsr-3889	177	164	p	p	NOUN
fsr-3889	177	165	5	5	NUM
fsr-3889	177	166	0.000	0.000	NUM
fsr-3889	177	167	)	)	PUNCT
fsr-3889	177	168	highest	high	ADJ
fsr-3889	177	169	25	25	NUM
fsr-3889	177	170	%	%	NOUN
fsr-3889	177	171	1.1	1.1	NUM
fsr-3889	177	172	%	%	NOUN
fsr-3889	177	173	6.4	6.4	NUM
fsr-3889	177	174	%	%	NOUN
fsr-3889	177	175	$	$	SYM
fsr-3889	177	176	154,998	154,998	NUM
fsr-3889	177	177	$	$	SYM
fsr-3889	177	178	293,668	293,668	NUM
fsr-3889	177	179	567.56	567.56	NUM
fsr-3889	177	180	(	(	PUNCT
fsr-3889	177	181	p	p	NOUN
fsr-3889	177	182	5	5	NUM
fsr-3889	177	183	0.000	0.000	NUM
fsr-3889	177	184	)	)	PUNCT
fsr-3889	177	185	158	158	NUM
fsr-3889	177	186	m.s	m.s	PROPN
fsr-3889	177	187	.	.	PUNCT
fsr-3889	177	188	gutter	gutter	NOUN
fsr-3889	177	189	/	/	SYM
fsr-3889	177	190	financial	financial	ADJ
fsr-3889	177	191	services	service	NOUN
fsr-3889	177	192	review	review	VERB
fsr-3889	177	193	8	8	NUM
fsr-3889	177	194	(	(	PUNCT
fsr-3889	177	195	1999	1999	NUM
fsr-3889	177	196	)	)	PUNCT
fsr-3889	177	197	149–162	149–162	NUM
fsr-3889	177	198	table	table	NOUN
fsr-3889	177	199	4	4	NUM
fsr-3889	177	200	logistic	logistic	ADJ
fsr-3889	177	201	analysis	analysis	NOUN
fsr-3889	177	202	of	of	ADP
fsr-3889	177	203	likelihood	likelihood	NOUN
fsr-3889	177	204	of	of	ADP
fsr-3889	177	205	investing	invest	VERB
fsr-3889	177	206	in	in	ADP
fsr-3889	177	207	risky	risky	ADJ
fsr-3889	177	208	assetsa	assetsa	NOUN
fsr-3889	177	209	variable	variable	ADJ
fsr-3889	177	210	reduced	reduce	VERB
fsr-3889	177	211	model	model	NOUN
fsr-3889	177	212	intermediate	intermediate	PROPN
fsr-3889	177	213	model	model	NOUN
fsr-3889	177	214	interaction	interaction	NOUN
fsr-3889	177	215	model	model	NOUN
fsr-3889	177	216	intercept	intercept	VERB
fsr-3889	177	217	20.0539	20.0539	NUM
fsr-3889	177	218	20.0842	20.0842	NUM
fsr-3889	177	219	20.2174	20.2174	NUM
fsr-3889	177	220	socioeconomic	socioeconomic	ADJ
fsr-3889	177	221	variables	variable	NOUN
fsr-3889	177	222	age	age	NOUN
fsr-3889	177	223	0.0489	0.0489	NUM
fsr-3889	177	224	*	*	PUNCT
fsr-3889	177	225	*	*	PUNCT
fsr-3889	177	226	0.0513	0.0513	NUM
fsr-3889	177	227	*	*	PUNCT
fsr-3889	177	228	*	*	PUNCT
fsr-3889	177	229	*	*	PUNCT
fsr-3889	177	230	0.0506	0.0506	NUM
fsr-3889	177	231	*	*	PUNCT
fsr-3889	177	232	*	*	NOUN
fsr-3889	177	233	age	age	NOUN
fsr-3889	177	234	-	-	PUNCT
fsr-3889	177	235	squared	square	VERB
fsr-3889	177	236	20.0005	20.0005	NUM
fsr-3889	177	237	*	*	PUNCT
fsr-3889	177	238	*	*	PUNCT
fsr-3889	177	239	*	*	PUNCT
fsr-3889	177	240	20.0005	20.0005	NUM
fsr-3889	177	241	*	*	PUNCT
fsr-3889	177	242	*	*	PUNCT
fsr-3889	177	243	*	*	PUNCT
fsr-3889	177	244	20.0005	20.0005	NUM
fsr-3889	177	245	*	*	PUNCT
fsr-3889	177	246	*	*	PUNCT
fsr-3889	177	247	*	*	PUNCT
fsr-3889	177	248	household	household	NOUN
fsr-3889	177	249	type	type	NOUN
fsr-3889	177	250	(	(	PUNCT
fsr-3889	177	251	reference	reference	NOUN
fsr-3889	177	252	category	category	NOUN
fsr-3889	177	253	:	:	PUNCT
fsr-3889	177	254	married	married	ADJ
fsr-3889	177	255	couple	couple	NOUN
fsr-3889	177	256	)	)	PUNCT
fsr-3889	177	257	single	single	ADJ
fsr-3889	177	258	male	male	NOUN
fsr-3889	177	259	20.4152	20.4152	NUM
fsr-3889	177	260	*	*	PUNCT
fsr-3889	177	261	*	*	PUNCT
fsr-3889	177	262	*	*	NOUN
fsr-3889	177	263	20.4028	20.4028	NUM
fsr-3889	177	264	*	*	SYM
fsr-3889	177	265	*	*	NOUN
fsr-3889	177	266	20.3611	20.3611	NUM
fsr-3889	177	267	*	*	NOUN
fsr-3889	177	268	*	*	PUNCT
fsr-3889	177	269	single	single	ADJ
fsr-3889	177	270	female	female	ADJ
fsr-3889	177	271	20.4934	20.4934	NUM
fsr-3889	177	272	*	*	PUNCT
fsr-3889	177	273	*	*	PUNCT
fsr-3889	177	274	*	*	PUNCT
fsr-3889	177	275	20.4442	20.4442	NUM
fsr-3889	177	276	*	*	PUNCT
fsr-3889	177	277	*	*	PUNCT
fsr-3889	177	278	*	*	PUNCT
fsr-3889	177	279	20.4333	20.4333	NUM
fsr-3889	177	280	*	*	NOUN
fsr-3889	177	281	*	*	PUNCT
fsr-3889	177	282	children	child	NOUN
fsr-3889	177	283	present	present	VERB
fsr-3889	177	284	0.0633	0.0633	NUM
fsr-3889	177	285	0.0684	0.0684	NUM
fsr-3889	177	286	20.0423	20.0423	NUM
fsr-3889	177	287	household	household	NOUN
fsr-3889	177	288	size	size	NOUN
fsr-3889	177	289	20.0516	20.0516	NUM
fsr-3889	177	290	20.0481	20.0481	NUM
fsr-3889	177	291	0.0036	0.0036	NUM
fsr-3889	177	292	education	education	NOUN
fsr-3889	177	293	(	(	PUNCT
fsr-3889	177	294	reference	reference	NOUN
fsr-3889	177	295	category	category	NOUN
fsr-3889	177	296	:	:	PUNCT
fsr-3889	177	297	college	college	NOUN
fsr-3889	177	298	graduate	graduate	NOUN
fsr-3889	177	299	)	)	PUNCT
fsr-3889	177	300	less	less	ADJ
fsr-3889	177	301	than	than	ADP
fsr-3889	177	302	high	high	ADJ
fsr-3889	177	303	school	school	NOUN
fsr-3889	177	304	21.1675	21.1675	NUM
fsr-3889	177	305	*	*	PUNCT
fsr-3889	177	306	*	*	PUNCT
fsr-3889	177	307	*	*	X
fsr-3889	177	308	21.1515	21.1515	NUM
fsr-3889	177	309	*	*	NOUN
fsr-3889	177	310	*	*	PUNCT
fsr-3889	177	311	*	*	PUNCT
fsr-3889	177	312	21.0561	21.0561	NUM
fsr-3889	177	313	*	*	PUNCT
fsr-3889	177	314	*	*	PUNCT
fsr-3889	177	315	*	*	PUNCT
fsr-3889	177	316	high	high	ADJ
fsr-3889	177	317	school	school	NOUN
fsr-3889	177	318	20.5532	20.5532	NUM
fsr-3889	177	319	*	*	PUNCT
fsr-3889	177	320	*	*	PUNCT
fsr-3889	177	321	*	*	PUNCT
fsr-3889	177	322	20.5434	20.5434	NUM
fsr-3889	177	323	*	*	PUNCT
fsr-3889	177	324	*	*	PUNCT
fsr-3889	177	325	*	*	PUNCT
fsr-3889	177	326	20.4947	20.4947	NUM
fsr-3889	177	327	*	*	PUNCT
fsr-3889	178	1	*	*	PUNCT
fsr-3889	178	2	*	*	PUNCT
fsr-3889	178	3	some	some	DET
fsr-3889	178	4	college	college	NOUN
fsr-3889	178	5	20.4690	20.4690	NUM
fsr-3889	178	6	*	*	PUNCT
fsr-3889	178	7	*	*	PUNCT
fsr-3889	178	8	*	*	NOUN
fsr-3889	178	9	20.4616	20.4616	NUM
fsr-3889	178	10	*	*	PUNCT
fsr-3889	178	11	*	*	PUNCT
fsr-3889	178	12	*	*	PUNCT
fsr-3889	178	13	20.4145	20.4145	NUM
fsr-3889	178	14	*	*	PUNCT
fsr-3889	178	15	*	*	PUNCT
fsr-3889	178	16	*	*	PUNCT
fsr-3889	178	17	financial	financial	ADJ
fsr-3889	178	18	variables	variable	NOUN
fsr-3889	178	19	net	net	ADJ
fsr-3889	178	20	worth	worth	ADJ
fsr-3889	178	21	(	(	PUNCT
fsr-3889	178	22	$	$	SYM
fsr-3889	178	23	1000	1000	NUM
fsr-3889	178	24	)	)	PUNCT
fsr-3889	178	25	0.0024	0.0024	NUM
fsr-3889	178	26	*	*	PUNCT
fsr-3889	178	27	*	*	PUNCT
fsr-3889	178	28	*	*	PUNCT
fsr-3889	178	29	0.0024	0.0024	NUM
fsr-3889	178	30	*	*	PUNCT
fsr-3889	178	31	*	*	PUNCT
fsr-3889	178	32	*	*	PUNCT
fsr-3889	178	33	0.0024	0.0024	NUM
fsr-3889	178	34	*	*	PUNCT
fsr-3889	178	35	*	*	PUNCT
fsr-3889	178	36	*	*	PUNCT
fsr-3889	178	37	income	income	NOUN
fsr-3889	178	38	(	(	PUNCT
fsr-3889	178	39	reference	reference	NOUN
fsr-3889	178	40	category	category	NOUN
fsr-3889	178	41	:	:	PUNCT
fsr-3889	178	42	middle	middle	ADJ
fsr-3889	178	43	two	two	NUM
fsr-3889	178	44	quartiles	quartile	NOUN
fsr-3889	178	45	)	)	PUNCT
fsr-3889	178	46	lowest	low	ADJ
fsr-3889	178	47	quartile	quartile	ADV
fsr-3889	178	48	20.9783	20.9783	NUM
fsr-3889	178	49	*	*	PUNCT
fsr-3889	178	50	*	*	PUNCT
fsr-3889	178	51	*	*	NOUN
fsr-3889	178	52	20.9643	20.9643	NUM
fsr-3889	178	53	*	*	PUNCT
fsr-3889	178	54	*	*	PUNCT
fsr-3889	178	55	*	*	PUNCT
fsr-3889	178	56	20.9282	20.9282	NUM
fsr-3889	178	57	*	*	PUNCT
fsr-3889	178	58	*	*	PUNCT
fsr-3889	178	59	*	*	PUNCT
fsr-3889	178	60	highest	high	ADJ
fsr-3889	178	61	quartile	quartile	ADJ
fsr-3889	178	62	0.9673	0.9673	NUM
fsr-3889	178	63	*	*	PUNCT
fsr-3889	178	64	*	*	PUNCT
fsr-3889	178	65	*	*	PUNCT
fsr-3889	178	66	0.9635	0.9635	NUM
fsr-3889	178	67	*	*	PUNCT
fsr-3889	178	68	*	*	PUNCT
fsr-3889	178	69	*	*	PUNCT
fsr-3889	179	1	0.9781	0.9781	NUM
fsr-3889	179	2	*	*	PUNCT
fsr-3889	179	3	*	*	PUNCT
fsr-3889	179	4	*	*	PUNCT
fsr-3889	179	5	received	receive	VERB
fsr-3889	179	6	inheritance	inheritance	NOUN
fsr-3889	179	7	0.4061	0.4061	PROPN
fsr-3889	179	8	*	*	PUNCT
fsr-3889	180	1	*	*	PUNCT
fsr-3889	180	2	*	*	PUNCT
fsr-3889	181	1	0.3900	0.3900	NUM
fsr-3889	181	2	*	*	PUNCT
fsr-3889	181	3	*	*	PUNCT
fsr-3889	181	4	*	*	PUNCT
fsr-3889	182	1	0.4031	0.4031	NUM
fsr-3889	182	2	*	*	PUNCT
fsr-3889	182	3	*	*	PUNCT
fsr-3889	182	4	*	*	PUNCT
fsr-3889	182	5	expect	expect	VERB
fsr-3889	182	6	to	to	PART
fsr-3889	182	7	receive	receive	VERB
fsr-3889	182	8	inheritance	inheritance	NOUN
fsr-3889	182	9	0.1476	0.1476	NUM
fsr-3889	182	10	0.1164	0.1164	NUM
fsr-3889	182	11	0.1310	0.1310	NUM
fsr-3889	182	12	attitudinal	attitudinal	ADJ
fsr-3889	182	13	variables	variable	NOUN
fsr-3889	182	14	willingness	willingness	NOUN
fsr-3889	182	15	to	to	PART
fsr-3889	182	16	take	take	VERB
fsr-3889	182	17	risk	risk	NOUN
fsr-3889	182	18	(	(	PUNCT
fsr-3889	182	19	reference	reference	NOUN
fsr-3889	182	20	category	category	NOUN
fsr-3889	182	21	:	:	PUNCT
fsr-3889	182	22	willing	willing	ADJ
fsr-3889	182	23	to	to	PART
fsr-3889	182	24	take	take	VERB
fsr-3889	182	25	average	average	ADJ
fsr-3889	182	26	risk	risk	NOUN
fsr-3889	182	27	)	)	PUNCT
fsr-3889	182	28	not	not	PART
fsr-3889	182	29	willing	willing	ADJ
fsr-3889	182	30	20.8074	20.8074	NUM
fsr-3889	182	31	*	*	PUNCT
fsr-3889	182	32	*	*	PUNCT
fsr-3889	182	33	*	*	PUNCT
fsr-3889	182	34	20.7982	20.7982	NUM
fsr-3889	182	35	*	*	PUNCT
fsr-3889	182	36	*	*	PUNCT
fsr-3889	182	37	*	*	NOUN
fsr-3889	182	38	20.8275	20.8275	NUM
fsr-3889	182	39	*	*	PUNCT
fsr-3889	182	40	*	*	PUNCT
fsr-3889	182	41	*	*	PUNCT
fsr-3889	182	42	above	above	ADP
fsr-3889	182	43	average	average	ADJ
fsr-3889	182	44	risk	risk	NOUN
fsr-3889	182	45	0.3371	0.3371	NUM
fsr-3889	182	46	*	*	PUNCT
fsr-3889	182	47	*	*	PUNCT
fsr-3889	183	1	0.3242	0.3242	NUM
fsr-3889	183	2	*	*	PUNCT
fsr-3889	183	3	*	*	PUNCT
fsr-3889	183	4	0.3761	0.3761	NUM
fsr-3889	183	5	*	*	PUNCT
fsr-3889	183	6	*	*	ADJ
fsr-3889	183	7	substantial	substantial	ADJ
fsr-3889	183	8	risk	risk	NOUN
fsr-3889	183	9	0.4046	0.4046	NUM
fsr-3889	183	10	0.4058	0.4058	NUM
fsr-3889	183	11	0.4698	0.4698	NUM
fsr-3889	183	12	positive	positive	ADJ
fsr-3889	183	13	economic	economic	ADJ
fsr-3889	183	14	outlook	outlook	NOUN
fsr-3889	183	15	20.0912	20.0912	NUM
fsr-3889	183	16	20.0726	20.0726	NUM
fsr-3889	183	17	20.1350	20.1350	NUM
fsr-3889	183	18	negative	negative	ADJ
fsr-3889	183	19	economic	economic	ADJ
fsr-3889	183	20	outlook	outlook	NOUN
fsr-3889	183	21	20.1900	20.1900	NUM
fsr-3889	183	22	20.1775	20.1775	NUM
fsr-3889	183	23	20.1856	20.1856	NUM
fsr-3889	183	24	felt	feel	VERB
fsr-3889	183	25	discouraged	discouraged	ADJ
fsr-3889	183	26	with	with	ADP
fsr-3889	183	27	credit	credit	NOUN
fsr-3889	183	28	20.2974	20.2974	NUM
fsr-3889	183	29	*	*	NOUN
fsr-3889	183	30	20.2376	20.2376	NUM
fsr-3889	183	31	20.2842	20.2842	NUM
fsr-3889	183	32	investment	investment	NOUN
fsr-3889	183	33	horizon	horizon	NOUN
fsr-3889	183	34	0.0217	0.0217	NUM
fsr-3889	183	35	*	*	PUNCT
fsr-3889	183	36	0.0201	0.0201	NUM
fsr-3889	183	37	*	*	NOUN
fsr-3889	183	38	0.0209	0.0209	NUM
fsr-3889	183	39	*	*	NOUN
fsr-3889	183	40	indicator	indicator	NOUN
fsr-3889	183	41	for	for	ADP
fsr-3889	183	42	black	black	ADJ
fsr-3889	183	43	household	household	NOUN
fsr-3889	183	44	—	—	PUNCT
fsr-3889	183	45	20.4723	20.4723	NUM
fsr-3889	183	46	*	*	SYM
fsr-3889	183	47	*	*	SYM
fsr-3889	183	48	20.0973	20.0973	NUM
fsr-3889	183	49	interaction	interaction	NOUN
fsr-3889	183	50	variables	variable	NOUN
fsr-3889	183	51	age	age	NOUN
fsr-3889	183	52	—	—	PUNCT
fsr-3889	183	53	—	—	PUNCT
fsr-3889	183	54	20.0471	20.0471	NUM
fsr-3889	183	55	age	age	NOUN
fsr-3889	183	56	-	-	PUNCT
fsr-3889	183	57	squared	square	VERB
fsr-3889	183	58	—	—	PUNCT
fsr-3889	183	59	—	—	PUNCT
fsr-3889	183	60	20.0006	20.0006	NUM
fsr-3889	183	61	household	household	NOUN
fsr-3889	183	62	type	type	NOUN
fsr-3889	183	63	(	(	PUNCT
fsr-3889	183	64	reference	reference	NOUN
fsr-3889	183	65	category	category	NOUN
fsr-3889	183	66	:	:	PUNCT
fsr-3889	183	67	married	married	ADJ
fsr-3889	183	68	couple	couple	NOUN
fsr-3889	183	69	)	)	PUNCT
fsr-3889	183	70	single	single	ADJ
fsr-3889	183	71	male	male	NOUN
fsr-3889	183	72	—	—	PUNCT
fsr-3889	183	73	—	—	PUNCT
fsr-3889	183	74	20.2438	20.2438	NUM
fsr-3889	183	75	single	single	ADJ
fsr-3889	183	76	female	female	NOUN
fsr-3889	183	77	—	—	PUNCT
fsr-3889	183	78	—	—	PUNCT
fsr-3889	183	79	20.2477	20.2477	NUM
fsr-3889	183	80	children	child	NOUN
fsr-3889	183	81	present	present	ADJ
fsr-3889	183	82	—	—	PUNCT
fsr-3889	183	83	—	—	PUNCT
fsr-3889	183	84	1.0827	1.0827	NUM
fsr-3889	183	85	*	*	NOUN
fsr-3889	183	86	household	household	NOUN
fsr-3889	183	87	size	size	NOUN
fsr-3889	183	88	—	—	PUNCT
fsr-3889	183	89	—	—	PUNCT
fsr-3889	183	90	20.4227	20.4227	NUM
fsr-3889	183	91	*	*	NOUN
fsr-3889	183	92	education	education	NOUN
fsr-3889	183	93	(	(	PUNCT
fsr-3889	183	94	reference	reference	NOUN
fsr-3889	183	95	category	category	NOUN
fsr-3889	183	96	:	:	PUNCT
fsr-3889	183	97	college	college	NOUN
fsr-3889	183	98	graduate	graduate	NOUN
fsr-3889	183	99	)	)	PUNCT
fsr-3889	183	100	less	less	ADJ
fsr-3889	183	101	than	than	ADP
fsr-3889	183	102	high	high	ADJ
fsr-3889	183	103	school	school	NOUN
fsr-3889	183	104	—	—	PUNCT
fsr-3889	183	105	—	—	PUNCT
fsr-3889	183	106	21.0574	21.0574	NUM
fsr-3889	183	107	high	high	ADJ
fsr-3889	183	108	school	school	NOUN
fsr-3889	183	109	—	—	PUNCT
fsr-3889	183	110	—	—	PUNCT
fsr-3889	183	111	20.5167	20.5167	NUM
fsr-3889	183	112	some	some	DET
fsr-3889	183	113	college	college	NOUN
fsr-3889	183	114	—	—	PUNCT
fsr-3889	183	115	—	—	PUNCT
fsr-3889	183	116	20.5850	20.5850	NUM
fsr-3889	183	117	financial	financial	ADJ
fsr-3889	183	118	variables	variable	NOUN
fsr-3889	183	119	net	net	ADJ
fsr-3889	183	120	worth	worth	ADJ
fsr-3889	183	121	(	(	PUNCT
fsr-3889	183	122	$	$	SYM
fsr-3889	183	123	1000	1000	NUM
fsr-3889	183	124	)	)	PUNCT
fsr-3889	183	125	—	—	PUNCT
fsr-3889	183	126	—	—	PUNCT
fsr-3889	183	127	20.0003	20.0003	NUM
fsr-3889	183	128	income	income	NOUN
fsr-3889	183	129	(	(	PUNCT
fsr-3889	183	130	reference	reference	NOUN
fsr-3889	183	131	category	category	NOUN
fsr-3889	183	132	:	:	PUNCT
fsr-3889	183	133	middle	middle	ADJ
fsr-3889	183	134	two	two	NUM
fsr-3889	183	135	quartiles	quartile	NOUN
fsr-3889	183	136	)	)	PUNCT
fsr-3889	183	137	lowest	low	ADJ
fsr-3889	183	138	quartile	quartile	ADV
fsr-3889	183	139	—	—	PUNCT
fsr-3889	183	140	—	—	PUNCT
fsr-3889	183	141	20.2863	20.2863	NUM
fsr-3889	183	142	highest	high	ADJ
fsr-3889	183	143	quartile	quartile	NOUN
fsr-3889	183	144	—	—	PUNCT
fsr-3889	183	145	—	—	PUNCT
fsr-3889	183	146	20.7225	20.7225	NUM
fsr-3889	183	147	received	receive	VERB
fsr-3889	183	148	inheritance	inheritance	NOUN
fsr-3889	183	149	—	—	PUNCT
fsr-3889	183	150	—	—	PUNCT
fsr-3889	183	151	20.2140	20.2140	NUM
fsr-3889	183	152	expect	expect	VERB
fsr-3889	183	153	to	to	PART
fsr-3889	183	154	receive	receive	VERB
fsr-3889	183	155	inheritance	inheritance	NOUN
fsr-3889	183	156	—	—	PUNCT
fsr-3889	183	157	—	—	PUNCT
fsr-3889	183	158	20.3503	20.3503	NUM
fsr-3889	183	159	159m.s	159m.s	NUM
fsr-3889	183	160	.	.	PUNCT
fsr-3889	184	1	gutter	gutter	NOUN
fsr-3889	184	2	/	/	SYM
fsr-3889	184	3	financial	financial	ADJ
fsr-3889	184	4	services	service	NOUN
fsr-3889	184	5	review	review	VERB
fsr-3889	184	6	8	8	NUM
fsr-3889	184	7	(	(	PUNCT
fsr-3889	184	8	1999	1999	NUM
fsr-3889	184	9	)	)	PUNCT
fsr-3889	184	10	149–162	149–162	NUM
fsr-3889	184	11	changes	change	NOUN
fsr-3889	184	12	in	in	ADP
fsr-3889	184	13	presence	presence	NOUN
fsr-3889	184	14	of	of	ADP
fsr-3889	184	15	children	child	NOUN
fsr-3889	184	16	in	in	ADP
fsr-3889	184	17	the	the	DET
fsr-3889	184	18	household	household	NOUN
fsr-3889	184	19	and	and	CCONJ
fsr-3889	184	20	in	in	ADP
fsr-3889	184	21	household	household	NOUN
fsr-3889	184	22	size	size	NOUN
fsr-3889	184	23	affect	affect	VERB
fsr-3889	184	24	risky	risky	ADJ
fsr-3889	184	25	asset	asset	NOUN
fsr-3889	184	26	ownership	ownership	NOUN
fsr-3889	184	27	of	of	ADP
fsr-3889	184	28	black	black	ADJ
fsr-3889	184	29	households	household	NOUN
fsr-3889	184	30	differently	differently	ADV
fsr-3889	184	31	than	than	ADP
fsr-3889	184	32	white	white	ADJ
fsr-3889	184	33	households	household	NOUN
fsr-3889	184	34	(	(	PUNCT
fsr-3889	184	35	table	table	NOUN
fsr-3889	184	36	4	4	NUM
fsr-3889	184	37	)	)	PUNCT
fsr-3889	184	38	.	.	PUNCT
fsr-3889	185	1	the	the	DET
fsr-3889	185	2	presence	presence	NOUN
fsr-3889	185	3	of	of	ADP
fsr-3889	185	4	children	child	NOUN
fsr-3889	185	5	in	in	ADP
fsr-3889	185	6	the	the	DET
fsr-3889	185	7	household	household	NOUN
fsr-3889	185	8	increases	increase	VERB
fsr-3889	185	9	the	the	DET
fsr-3889	185	10	likelihood	likelihood	NOUN
fsr-3889	185	11	of	of	ADP
fsr-3889	185	12	risky	risky	ADJ
fsr-3889	185	13	asset	asset	NOUN
fsr-3889	185	14	ownership	ownership	NOUN
fsr-3889	185	15	by	by	ADP
fsr-3889	185	16	black	black	ADJ
fsr-3889	185	17	households	household	NOUN
fsr-3889	185	18	,	,	PUNCT
fsr-3889	185	19	and	and	CCONJ
fsr-3889	185	20	increases	increase	NOUN
fsr-3889	185	21	in	in	ADP
fsr-3889	185	22	household	household	NOUN
fsr-3889	185	23	size	size	NOUN
fsr-3889	185	24	decrease	decrease	VERB
fsr-3889	185	25	the	the	DET
fsr-3889	185	26	likelihood	likelihood	NOUN
fsr-3889	185	27	.	.	PUNCT
fsr-3889	186	1	these	these	DET
fsr-3889	186	2	two	two	NUM
fsr-3889	186	3	variables	variable	NOUN
fsr-3889	186	4	do	do	AUX
fsr-3889	186	5	not	not	PART
fsr-3889	186	6	have	have	VERB
fsr-3889	186	7	statistically	statistically	ADV
fsr-3889	186	8	significant	significant	ADJ
fsr-3889	186	9	effects	effect	NOUN
fsr-3889	186	10	on	on	ADP
fsr-3889	186	11	risky	risky	ADJ
fsr-3889	186	12	asset	asset	NOUN
fsr-3889	186	13	ownership	ownership	NOUN
fsr-3889	186	14	of	of	ADP
fsr-3889	186	15	white	white	ADJ
fsr-3889	186	16	households	household	NOUN
fsr-3889	186	17	.	.	PUNCT
fsr-3889	187	1	a	a	DET
fsr-3889	187	2	few	few	ADJ
fsr-3889	187	3	determinants	determinant	NOUN
fsr-3889	187	4	of	of	ADP
fsr-3889	187	5	risky	risky	ADJ
fsr-3889	187	6	asset	asset	NOUN
fsr-3889	187	7	ownership	ownership	NOUN
fsr-3889	187	8	are	be	AUX
fsr-3889	187	9	common	common	ADJ
fsr-3889	187	10	between	between	ADP
fsr-3889	187	11	black	black	ADJ
fsr-3889	187	12	households	household	NOUN
fsr-3889	187	13	and	and	CCONJ
fsr-3889	187	14	white	white	ADJ
fsr-3889	187	15	households	household	NOUN
fsr-3889	187	16	.	.	PUNCT
fsr-3889	188	1	households	household	NOUN
fsr-3889	188	2	with	with	ADP
fsr-3889	188	3	a	a	DET
fsr-3889	188	4	householder	householder	NOUN
fsr-3889	188	5	who	who	PRON
fsr-3889	188	6	is	be	AUX
fsr-3889	188	7	a	a	DET
fsr-3889	188	8	college	college	NOUN
fsr-3889	188	9	graduate	graduate	NOUN
fsr-3889	188	10	are	be	AUX
fsr-3889	188	11	more	more	ADV
fsr-3889	188	12	likely	likely	ADJ
fsr-3889	188	13	to	to	PART
fsr-3889	188	14	own	own	VERB
fsr-3889	188	15	risky	risky	ADJ
fsr-3889	188	16	assets	asset	NOUN
fsr-3889	188	17	compared	compare	VERB
fsr-3889	188	18	to	to	ADP
fsr-3889	188	19	otherwise	otherwise	ADV
fsr-3889	188	20	similar	similar	ADJ
fsr-3889	188	21	households	household	NOUN
fsr-3889	188	22	with	with	ADP
fsr-3889	188	23	a	a	DET
fsr-3889	188	24	less	less	ADV
fsr-3889	188	25	educated	educate	VERB
fsr-3889	188	26	householder	householder	NOUN
fsr-3889	188	27	.	.	PUNCT
fsr-3889	189	1	households	household	NOUN
fsr-3889	189	2	with	with	ADP
fsr-3889	189	3	income	income	NOUN
fsr-3889	189	4	in	in	ADP
fsr-3889	189	5	the	the	DET
fsr-3889	189	6	lowest	low	ADJ
fsr-3889	189	7	income	income	NOUN
fsr-3889	189	8	quartile	quartile	NOUN
fsr-3889	189	9	are	be	AUX
fsr-3889	189	10	less	less	ADV
fsr-3889	189	11	likely	likely	ADJ
fsr-3889	189	12	than	than	ADP
fsr-3889	189	13	households	household	NOUN
fsr-3889	189	14	with	with	ADP
fsr-3889	189	15	income	income	NOUN
fsr-3889	189	16	in	in	ADP
fsr-3889	189	17	the	the	DET
fsr-3889	189	18	middle	middle	ADJ
fsr-3889	189	19	two	two	NUM
fsr-3889	189	20	income	income	NOUN
fsr-3889	189	21	quartiles	quartile	NOUN
fsr-3889	189	22	to	to	PART
fsr-3889	189	23	own	own	VERB
fsr-3889	189	24	risky	risky	ADJ
fsr-3889	189	25	assets	asset	NOUN
fsr-3889	189	26	.	.	PUNCT
fsr-3889	190	1	ownership	ownership	NOUN
fsr-3889	190	2	of	of	ADP
fsr-3889	190	3	risky	risky	ADJ
fsr-3889	190	4	assets	asset	NOUN
fsr-3889	190	5	is	be	AUX
fsr-3889	190	6	less	less	ADV
fsr-3889	190	7	likely	likely	ADJ
fsr-3889	190	8	among	among	ADP
fsr-3889	190	9	households	household	NOUN
fsr-3889	190	10	indicating	indicate	VERB
fsr-3889	190	11	that	that	SCONJ
fsr-3889	190	12	they	they	PRON
fsr-3889	190	13	are	be	AUX
fsr-3889	190	14	not	not	PART
fsr-3889	190	15	willing	willing	ADJ
fsr-3889	190	16	to	to	PART
fsr-3889	190	17	take	take	VERB
fsr-3889	190	18	financial	financial	ADJ
fsr-3889	190	19	risk	risk	NOUN
fsr-3889	190	20	compared	compare	VERB
fsr-3889	190	21	to	to	ADP
fsr-3889	190	22	households	household	NOUN
fsr-3889	190	23	willing	willing	ADJ
fsr-3889	190	24	to	to	PART
fsr-3889	190	25	take	take	VERB
fsr-3889	190	26	average	average	ADJ
fsr-3889	190	27	financial	financial	ADJ
fsr-3889	190	28	risk	risk	NOUN
fsr-3889	190	29	.	.	PUNCT
fsr-3889	191	1	several	several	ADJ
fsr-3889	191	2	other	other	ADJ
fsr-3889	191	3	determinants	determinant	NOUN
fsr-3889	191	4	of	of	ADP
fsr-3889	191	5	risky	risky	ADJ
fsr-3889	191	6	asset	asset	NOUN
fsr-3889	191	7	ownership	ownership	NOUN
fsr-3889	191	8	are	be	AUX
fsr-3889	191	9	statistically	statistically	ADV
fsr-3889	191	10	significant	significant	ADJ
fsr-3889	191	11	for	for	ADP
fsr-3889	191	12	white	white	ADJ
fsr-3889	191	13	households	household	NOUN
fsr-3889	191	14	but	but	CCONJ
fsr-3889	191	15	not	not	PART
fsr-3889	191	16	for	for	ADP
fsr-3889	191	17	black	black	ADJ
fsr-3889	191	18	households	household	NOUN
fsr-3889	191	19	,	,	PUNCT
fsr-3889	191	20	although	although	SCONJ
fsr-3889	191	21	the	the	DET
fsr-3889	191	22	tests	test	NOUN
fsr-3889	191	23	for	for	ADP
fsr-3889	191	24	racial	racial	ADJ
fsr-3889	191	25	differences	difference	NOUN
fsr-3889	191	26	in	in	ADP
fsr-3889	191	27	the	the	DET
fsr-3889	191	28	effects	effect	NOUN
fsr-3889	191	29	of	of	ADP
fsr-3889	191	30	these	these	DET
fsr-3889	191	31	variables	variable	NOUN
fsr-3889	191	32	are	be	AUX
fsr-3889	191	33	not	not	PART
fsr-3889	191	34	statistically	statistically	ADV
fsr-3889	191	35	significant	significant	ADJ
fsr-3889	191	36	.	.	PUNCT
fsr-3889	192	1	age	age	NOUN
fsr-3889	192	2	has	have	VERB
fsr-3889	192	3	a	a	DET
fsr-3889	192	4	nonlinear	nonlinear	ADJ
fsr-3889	192	5	effect	effect	NOUN
fsr-3889	192	6	on	on	ADP
fsr-3889	192	7	the	the	DET
fsr-3889	192	8	likelihood	likelihood	NOUN
fsr-3889	192	9	of	of	ADP
fsr-3889	192	10	risky	risky	ADJ
fsr-3889	192	11	asset	asset	NOUN
fsr-3889	192	12	ownership	ownership	NOUN
fsr-3889	192	13	for	for	ADP
fsr-3889	192	14	white	white	ADJ
fsr-3889	192	15	households	household	NOUN
fsr-3889	192	16	,	,	PUNCT
fsr-3889	192	17	even	even	ADV
fsr-3889	192	18	when	when	SCONJ
fsr-3889	192	19	income	income	NOUN
fsr-3889	192	20	and	and	CCONJ
fsr-3889	192	21	net	net	ADJ
fsr-3889	192	22	worth	worth	NOUN
fsr-3889	192	23	are	be	AUX
fsr-3889	192	24	controlled	control	VERB
fsr-3889	192	25	.	.	PUNCT
fsr-3889	193	1	the	the	DET
fsr-3889	193	2	likelihood	likelihood	NOUN
fsr-3889	193	3	of	of	ADP
fsr-3889	193	4	risky	risky	ADJ
fsr-3889	193	5	asset	asset	NOUN
fsr-3889	193	6	ownership	ownership	NOUN
fsr-3889	193	7	increases	increase	NOUN
fsr-3889	193	8	with	with	ADP
fsr-3889	193	9	age	age	NOUN
fsr-3889	193	10	until	until	ADP
fsr-3889	193	11	a	a	DET
fsr-3889	193	12	maximum	maximum	NOUN
fsr-3889	193	13	,	,	PUNCT
fsr-3889	193	14	after	after	ADP
fsr-3889	193	15	which	which	PRON
fsr-3889	193	16	the	the	DET
fsr-3889	193	17	likelihood	likelihood	NOUN
fsr-3889	193	18	decreases	decrease	VERB
fsr-3889	193	19	.	.	PUNCT
fsr-3889	194	1	white	white	ADJ
fsr-3889	194	2	households	household	NOUN
fsr-3889	194	3	headed	head	VERB
fsr-3889	194	4	by	by	ADP
fsr-3889	194	5	an	an	DET
fsr-3889	194	6	unmarried	unmarried	ADJ
fsr-3889	194	7	householder	householder	NOUN
fsr-3889	194	8	are	be	AUX
fsr-3889	194	9	less	less	ADV
fsr-3889	194	10	likely	likely	ADJ
fsr-3889	194	11	to	to	PART
fsr-3889	194	12	hold	hold	VERB
fsr-3889	194	13	risky	risky	ADJ
fsr-3889	194	14	assets	asset	NOUN
fsr-3889	194	15	than	than	ADP
fsr-3889	194	16	otherwise	otherwise	ADV
fsr-3889	194	17	similar	similar	ADJ
fsr-3889	194	18	households	household	NOUN
fsr-3889	194	19	headed	head	VERB
fsr-3889	194	20	by	by	ADP
fsr-3889	194	21	a	a	DET
fsr-3889	194	22	married	married	ADJ
fsr-3889	194	23	couple	couple	NOUN
fsr-3889	194	24	.	.	PUNCT
fsr-3889	195	1	net	net	ADJ
fsr-3889	195	2	worth	worth	NOUN
fsr-3889	195	3	and	and	CCONJ
fsr-3889	195	4	income	income	NOUN
fsr-3889	195	5	are	be	AUX
fsr-3889	195	6	positively	positively	ADV
fsr-3889	195	7	associated	associate	VERB
fsr-3889	195	8	with	with	ADP
fsr-3889	195	9	the	the	DET
fsr-3889	195	10	likelihood	likelihood	NOUN
fsr-3889	195	11	of	of	ADP
fsr-3889	195	12	risky	risky	ADJ
fsr-3889	195	13	asset	asset	NOUN
fsr-3889	195	14	ownership	ownership	NOUN
fsr-3889	195	15	for	for	ADP
fsr-3889	195	16	white	white	ADJ
fsr-3889	195	17	households	household	NOUN
fsr-3889	195	18	.	.	PUNCT
fsr-3889	196	1	white	white	ADJ
fsr-3889	196	2	households	household	NOUN
fsr-3889	196	3	with	with	ADP
fsr-3889	196	4	income	income	NOUN
fsr-3889	196	5	in	in	ADP
fsr-3889	196	6	the	the	DET
fsr-3889	196	7	highest	high	ADJ
fsr-3889	196	8	income	income	NOUN
fsr-3889	196	9	quartile	quartile	NOUN
fsr-3889	196	10	are	be	AUX
fsr-3889	196	11	more	more	ADV
fsr-3889	196	12	likely	likely	ADJ
fsr-3889	196	13	to	to	PART
fsr-3889	196	14	own	own	VERB
fsr-3889	196	15	risky	risky	ADJ
fsr-3889	196	16	assets	asset	NOUN
fsr-3889	196	17	than	than	ADP
fsr-3889	196	18	otherwise	otherwise	ADV
fsr-3889	196	19	similar	similar	ADJ
fsr-3889	196	20	households	household	NOUN
fsr-3889	196	21	with	with	ADP
fsr-3889	196	22	income	income	NOUN
fsr-3889	196	23	in	in	ADP
fsr-3889	196	24	the	the	DET
fsr-3889	196	25	middle	middle	ADJ
fsr-3889	196	26	two	two	NUM
fsr-3889	196	27	income	income	NOUN
fsr-3889	196	28	quartiles	quartile	NOUN
fsr-3889	196	29	.	.	PUNCT
fsr-3889	197	1	having	having	AUX
fsr-3889	197	2	received	receive	VERB
fsr-3889	197	3	an	an	DET
fsr-3889	197	4	inheritance	inheritance	NOUN
fsr-3889	197	5	increases	increase	VERB
fsr-3889	197	6	the	the	DET
fsr-3889	197	7	likelihood	likelihood	NOUN
fsr-3889	197	8	of	of	ADP
fsr-3889	197	9	owning	own	VERB
fsr-3889	197	10	risky	risky	ADJ
fsr-3889	197	11	assets	asset	NOUN
fsr-3889	197	12	,	,	PUNCT
fsr-3889	197	13	controlling	control	VERB
fsr-3889	197	14	for	for	ADP
fsr-3889	197	15	income	income	NOUN
fsr-3889	197	16	and	and	CCONJ
fsr-3889	197	17	net	net	ADJ
fsr-3889	197	18	worth	worth	NOUN
fsr-3889	197	19	.	.	PUNCT
fsr-3889	198	1	an	an	DET
fsr-3889	198	2	inheritance	inheritance	NOUN
fsr-3889	198	3	may	may	AUX
fsr-3889	198	4	include	include	VERB
fsr-3889	198	5	risky	risky	ADJ
fsr-3889	198	6	assets	asset	NOUN
fsr-3889	198	7	in	in	ADP
fsr-3889	198	8	the	the	DET
fsr-3889	198	9	portfolio	portfolio	NOUN
fsr-3889	198	10	resulting	result	VERB
fsr-3889	198	11	in	in	ADP
fsr-3889	198	12	risky	risky	ADJ
fsr-3889	198	13	asset	asset	NOUN
fsr-3889	198	14	ownership	ownership	NOUN
fsr-3889	198	15	“	"	PUNCT
fsr-3889	198	16	by	by	ADP
fsr-3889	198	17	chance	chance	NOUN
fsr-3889	198	18	”	"	PUNCT
fsr-3889	198	19	rather	rather	ADV
fsr-3889	198	20	than	than	ADP
fsr-3889	198	21	by	by	ADP
fsr-3889	198	22	investment	investment	NOUN
fsr-3889	198	23	choice	choice	NOUN
fsr-3889	198	24	.	.	PUNCT
fsr-3889	199	1	white	white	ADJ
fsr-3889	199	2	households	household	NOUN
fsr-3889	199	3	that	that	PRON
fsr-3889	199	4	are	be	AUX
fsr-3889	199	5	willing	willing	ADJ
fsr-3889	199	6	to	to	PART
fsr-3889	199	7	take	take	VERB
fsr-3889	199	8	above	above	ADV
fsr-3889	199	9	average	average	ADJ
fsr-3889	199	10	financial	financial	ADJ
fsr-3889	199	11	risk	risk	NOUN
fsr-3889	199	12	or	or	CCONJ
fsr-3889	199	13	substantial	substantial	ADJ
fsr-3889	199	14	financial	financial	ADJ
fsr-3889	199	15	risk	risk	NOUN
fsr-3889	199	16	are	be	AUX
fsr-3889	199	17	more	more	ADV
fsr-3889	199	18	likely	likely	ADJ
fsr-3889	199	19	to	to	PART
fsr-3889	199	20	own	own	VERB
fsr-3889	199	21	risky	risky	ADJ
fsr-3889	199	22	assets	asset	NOUN
fsr-3889	199	23	than	than	ADP
fsr-3889	199	24	otherwise	otherwise	ADV
fsr-3889	199	25	similar	similar	ADJ
fsr-3889	199	26	households	household	NOUN
fsr-3889	199	27	that	that	PRON
fsr-3889	199	28	are	be	AUX
fsr-3889	199	29	table	table	NOUN
fsr-3889	199	30	4(continued	4(continued	NUM
fsr-3889	199	31	)	)	PUNCT
fsr-3889	199	32	variable	variable	ADJ
fsr-3889	199	33	reduced	reduce	VERB
fsr-3889	199	34	model	model	NOUN
fsr-3889	199	35	intermediate	intermediate	PROPN
fsr-3889	199	36	model	model	NOUN
fsr-3889	199	37	interaction	interaction	NOUN
fsr-3889	199	38	model	model	NOUN
fsr-3889	199	39	attitudinal	attitudinal	ADJ
fsr-3889	199	40	variables	variable	NOUN
fsr-3889	199	41	willingness	willingness	NOUN
fsr-3889	199	42	to	to	PART
fsr-3889	199	43	take	take	VERB
fsr-3889	199	44	risk	risk	NOUN
fsr-3889	199	45	(	(	PUNCT
fsr-3889	199	46	reference	reference	NOUN
fsr-3889	199	47	category	category	NOUN
fsr-3889	199	48	:	:	PUNCT
fsr-3889	199	49	willing	willing	ADJ
fsr-3889	199	50	to	to	PART
fsr-3889	199	51	take	take	VERB
fsr-3889	199	52	average	average	ADJ
fsr-3889	199	53	risk	risk	NOUN
fsr-3889	199	54	)	)	PUNCT
fsr-3889	199	55	not	not	PART
fsr-3889	199	56	willing	willing	ADJ
fsr-3889	199	57	—	—	PUNCT
fsr-3889	199	58	—	—	PUNCT
fsr-3889	199	59	0.2520	0.2520	NUM
fsr-3889	199	60	above	above	ADP
fsr-3889	199	61	average	average	ADJ
fsr-3889	199	62	risk	risk	NOUN
fsr-3889	199	63	—	—	PUNCT
fsr-3889	199	64	—	—	PUNCT
fsr-3889	199	65	20.8099	20.8099	NUM
fsr-3889	199	66	substantial	substantial	ADJ
fsr-3889	199	67	risk	risk	NOUN
fsr-3889	199	68	—	—	PUNCT
fsr-3889	199	69	—	—	PUNCT
fsr-3889	199	70	20.3540	20.3540	NUM
fsr-3889	199	71	positive	positive	ADJ
fsr-3889	199	72	economic	economic	ADJ
fsr-3889	199	73	outlook	outlook	NOUN
fsr-3889	199	74	—	—	PUNCT
fsr-3889	199	75	—	—	PUNCT
fsr-3889	199	76	0.5663	0.5663	NUM
fsr-3889	199	77	negative	negative	ADJ
fsr-3889	199	78	economic	economic	ADJ
fsr-3889	199	79	outlook	outlook	NOUN
fsr-3889	199	80	—	—	PUNCT
fsr-3889	199	81	—	—	PUNCT
fsr-3889	199	82	0.0543	0.0543	NUM
fsr-3889	199	83	felt	feel	VERB
fsr-3889	199	84	discouraged	discourage	VERB
fsr-3889	199	85	with	with	ADP
fsr-3889	199	86	credit	credit	NOUN
fsr-3889	199	87	—	—	PUNCT
fsr-3889	199	88	—	—	PUNCT
fsr-3889	199	89	0.0958	0.0958	NUM
fsr-3889	199	90	investment	investment	NOUN
fsr-3889	199	91	horizon	horizon	NOUN
fsr-3889	199	92	—	—	PUNCT
fsr-3889	199	93	—	—	PUNCT
fsr-3889	199	94	20.0033	20.0033	NUM
fsr-3889	199	95	22	22	NUM
fsr-3889	199	96	log	log	NOUN
fsr-3889	199	97	likelihooda	likelihooda	ADP
fsr-3889	199	98	3642.96	3642.96	NUM
fsr-3889	199	99	*	*	PUNCT
fsr-3889	199	100	*	*	PUNCT
fsr-3889	199	101	*	*	PUNCT
fsr-3889	199	102	3632.23	3632.23	NUM
fsr-3889	199	103	*	*	X
fsr-3889	199	104	*	*	PUNCT
fsr-3889	199	105	3608.84	3608.84	NUM
fsr-3889	199	106	*	*	PUNCT
fsr-3889	199	107	*	*	PUNCT
fsr-3889	199	108	*	*	PUNCT
fsr-3889	199	109	a	a	DET
fsr-3889	199	110	source	source	NOUN
fsr-3889	199	111	:	:	PUNCT
fsr-3889	199	112	1995	1995	NUM
fsr-3889	199	113	survey	survey	NOUN
fsr-3889	199	114	of	of	ADP
fsr-3889	199	115	consumer	consumer	NOUN
fsr-3889	199	116	finances	finance	NOUN
fsr-3889	199	117	;	;	PUNCT
fsr-3889	199	118	data	datum	NOUN
fsr-3889	199	119	from	from	ADP
fsr-3889	199	120	all	all	DET
fsr-3889	199	121	five	five	NUM
fsr-3889	199	122	implicates	implicate	NOUN
fsr-3889	199	123	;	;	PUNCT
fsr-3889	199	124	estimates	estimate	NOUN
fsr-3889	199	125	derived	derive	VERB
fsr-3889	199	126	using	use	VERB
fsr-3889	199	127	repeatedimputation	repeatedimputation	NOUN
fsr-3889	199	128	inference	inference	NOUN
fsr-3889	199	129	techniques	technique	NOUN
fsr-3889	199	130	b	b	PROPN
fsr-3889	199	131	statistic	statistic	NOUN
fsr-3889	199	132	reported	report	VERB
fsr-3889	199	133	is	be	AUX
fsr-3889	199	134	the	the	DET
fsr-3889	199	135	average	average	NOUN
fsr-3889	199	136	of	of	ADP
fsr-3889	199	137	the	the	DET
fsr-3889	199	138	five22	five22	NOUN
fsr-3889	199	139	log	log	NOUN
fsr-3889	199	140	likelihood	likelihood	NOUN
fsr-3889	199	141	statistics	statistic	NOUN
fsr-3889	199	142	from	from	ADP
fsr-3889	199	143	analysis	analysis	NOUN
fsr-3889	199	144	of	of	ADP
fsr-3889	199	145	the	the	DET
fsr-3889	199	146	separate	separate	ADJ
fsr-3889	199	147	implicates	implicate	NOUN
fsr-3889	199	148	.	.	PUNCT
fsr-3889	200	1	*	*	PUNCT
fsr-3889	201	1	p	p	X
fsr-3889	201	2	-	-	PUNCT
fsr-3889	201	3	value	value	NOUN
fsr-3889	201	4	#	#	NOUN
fsr-3889	201	5	0.05	0.05	NUM
fsr-3889	201	6	;	;	PUNCT
fsr-3889	201	7	*	*	PUNCT
fsr-3889	201	8	*	*	PUNCT
fsr-3889	201	9	p	p	NOUN
fsr-3889	201	10	-	-	PUNCT
fsr-3889	201	11	value	value	NOUN
fsr-3889	201	12	#	#	NOUN
fsr-3889	201	13	.01	.01	NUM
fsr-3889	201	14	;	;	PUNCT
fsr-3889	201	15	*	*	PUNCT
fsr-3889	202	1	*	*	PUNCT
fsr-3889	202	2	*	*	PUNCT
fsr-3889	202	3	p	p	NUM
fsr-3889	202	4	-	-	PUNCT
fsr-3889	202	5	value	value	NOUN
fsr-3889	202	6	#	#	NOUN
fsr-3889	202	7	0.001	0.001	NUM
fsr-3889	202	8	160	160	NUM
fsr-3889	202	9	m.s	m.s	PROPN
fsr-3889	202	10	.	.	PUNCT
fsr-3889	202	11	gutter	gutter	NOUN
fsr-3889	202	12	/	/	SYM
fsr-3889	202	13	financial	financial	ADJ
fsr-3889	202	14	services	service	NOUN
fsr-3889	202	15	review	review	VERB
fsr-3889	202	16	8	8	NUM
fsr-3889	202	17	(	(	PUNCT
fsr-3889	202	18	1999	1999	NUM
fsr-3889	202	19	)	)	PUNCT
fsr-3889	203	1	149–162	149–162	NUM
fsr-3889	203	2	willing	willing	ADJ
fsr-3889	203	3	to	to	PART
fsr-3889	203	4	take	take	VERB
fsr-3889	203	5	only	only	ADV
fsr-3889	203	6	average	average	ADJ
fsr-3889	203	7	risk	risk	NOUN
fsr-3889	203	8	.	.	PUNCT
fsr-3889	204	1	the	the	DET
fsr-3889	204	2	investment	investment	NOUN
fsr-3889	204	3	horizon	horizon	NOUN
fsr-3889	204	4	is	be	AUX
fsr-3889	204	5	positively	positively	ADV
fsr-3889	204	6	associated	associate	VERB
fsr-3889	204	7	with	with	ADP
fsr-3889	204	8	the	the	DET
fsr-3889	204	9	likelihood	likelihood	NOUN
fsr-3889	204	10	of	of	ADP
fsr-3889	204	11	risky	risky	ADJ
fsr-3889	204	12	asset	asset	NOUN
fsr-3889	204	13	ownership	ownership	NOUN
fsr-3889	204	14	for	for	ADP
fsr-3889	204	15	white	white	ADJ
fsr-3889	204	16	households	household	NOUN
fsr-3889	204	17	.	.	PUNCT
fsr-3889	205	1	white	white	ADJ
fsr-3889	205	2	households	household	NOUN
fsr-3889	205	3	that	that	PRON
fsr-3889	205	4	expect	expect	VERB
fsr-3889	205	5	the	the	DET
fsr-3889	205	6	economy	economy	NOUN
fsr-3889	205	7	to	to	PART
fsr-3889	205	8	do	do	VERB
fsr-3889	205	9	worse	bad	ADJ
fsr-3889	205	10	over	over	ADP
fsr-3889	205	11	the	the	DET
fsr-3889	205	12	next	next	ADJ
fsr-3889	205	13	five	five	NUM
fsr-3889	205	14	years	year	NOUN
fsr-3889	205	15	,	,	PUNCT
fsr-3889	205	16	and	and	CCONJ
fsr-3889	205	17	households	household	NOUN
fsr-3889	205	18	that	that	PRON
fsr-3889	205	19	report	report	VERB
fsr-3889	205	20	previously	previously	ADV
fsr-3889	205	21	feeling	feel	VERB
fsr-3889	205	22	discouraged	discouraged	ADJ
fsr-3889	205	23	when	when	SCONJ
fsr-3889	205	24	applying	apply	VERB
fsr-3889	205	25	for	for	ADP
fsr-3889	205	26	credit	credit	NOUN
fsr-3889	205	27	are	be	AUX
fsr-3889	205	28	less	less	ADV
fsr-3889	205	29	likely	likely	ADJ
fsr-3889	205	30	to	to	PART
fsr-3889	205	31	own	own	VERB
fsr-3889	205	32	risky	risky	ADJ
fsr-3889	205	33	assets	asset	NOUN
fsr-3889	205	34	.	.	PUNCT
fsr-3889	206	1	5	5	X
fsr-3889	206	2	.	.	X
fsr-3889	206	3	conclusions	conclusion	NOUN
fsr-3889	206	4	racial	racial	ADJ
fsr-3889	206	5	differences	difference	NOUN
fsr-3889	206	6	in	in	ADP
fsr-3889	206	7	investment	investment	NOUN
fsr-3889	206	8	decisions	decision	NOUN
fsr-3889	206	9	related	relate	VERB
fsr-3889	206	10	to	to	ADP
fsr-3889	206	11	ownership	ownership	NOUN
fsr-3889	206	12	of	of	ADP
fsr-3889	206	13	risky	risky	ADJ
fsr-3889	206	14	assets	asset	NOUN
fsr-3889	206	15	seem	seem	VERB
fsr-3889	206	16	to	to	PART
fsr-3889	206	17	center	center	VERB
fsr-3889	206	18	on	on	ADP
fsr-3889	206	19	the	the	DET
fsr-3889	206	20	impact	impact	NOUN
fsr-3889	206	21	of	of	ADP
fsr-3889	206	22	children	child	NOUN
fsr-3889	206	23	and	and	CCONJ
fsr-3889	206	24	household	household	NOUN
fsr-3889	206	25	size	size	NOUN
fsr-3889	206	26	.	.	PUNCT
fsr-3889	207	1	the	the	DET
fsr-3889	207	2	presence	presence	NOUN
fsr-3889	207	3	of	of	ADP
fsr-3889	207	4	children	child	NOUN
fsr-3889	207	5	in	in	ADP
fsr-3889	207	6	the	the	DET
fsr-3889	207	7	household	household	NOUN
fsr-3889	207	8	increases	increase	VERB
fsr-3889	207	9	the	the	DET
fsr-3889	207	10	likelihood	likelihood	NOUN
fsr-3889	207	11	of	of	ADP
fsr-3889	207	12	stock	stock	NOUN
fsr-3889	207	13	or	or	CCONJ
fsr-3889	207	14	business	business	NOUN
fsr-3889	207	15	holdings	holding	NOUN
fsr-3889	207	16	for	for	ADP
fsr-3889	207	17	black	black	ADJ
fsr-3889	207	18	households	household	NOUN
fsr-3889	207	19	.	.	PUNCT
fsr-3889	208	1	household	household	NOUN
fsr-3889	208	2	size	size	NOUN
fsr-3889	208	3	is	be	AUX
fsr-3889	208	4	negatively	negatively	ADV
fsr-3889	208	5	related	relate	VERB
fsr-3889	208	6	to	to	ADP
fsr-3889	208	7	risky	risky	ADJ
fsr-3889	208	8	asset	asset	NOUN
fsr-3889	208	9	ownership	ownership	NOUN
fsr-3889	208	10	for	for	ADP
fsr-3889	208	11	black	black	ADJ
fsr-3889	208	12	households	household	NOUN
fsr-3889	208	13	.	.	PUNCT
fsr-3889	209	1	these	these	DET
fsr-3889	209	2	two	two	NUM
fsr-3889	209	3	variables	variable	NOUN
fsr-3889	209	4	do	do	AUX
fsr-3889	209	5	not	not	PART
fsr-3889	209	6	have	have	VERB
fsr-3889	209	7	statistically	statistically	ADV
fsr-3889	209	8	significant	significant	ADJ
fsr-3889	209	9	effects	effect	NOUN
fsr-3889	209	10	for	for	ADP
fsr-3889	209	11	white	white	ADJ
fsr-3889	209	12	households	household	NOUN
fsr-3889	209	13	.	.	PUNCT
fsr-3889	210	1	although	although	SCONJ
fsr-3889	210	2	the	the	DET
fsr-3889	210	3	household	household	NOUN
fsr-3889	210	4	size	size	NOUN
fsr-3889	210	5	variable	variable	NOUN
fsr-3889	210	6	may	may	AUX
fsr-3889	210	7	indicate	indicate	VERB
fsr-3889	210	8	presence	presence	NOUN
fsr-3889	210	9	of	of	ADP
fsr-3889	210	10	children	child	NOUN
fsr-3889	210	11	,	,	PUNCT
fsr-3889	210	12	it	it	PRON
fsr-3889	210	13	is	be	AUX
fsr-3889	210	14	also	also	ADV
fsr-3889	210	15	attributable	attributable	ADJ
fsr-3889	210	16	to	to	ADP
fsr-3889	210	17	the	the	DET
fsr-3889	210	18	presence	presence	NOUN
fsr-3889	210	19	in	in	ADP
fsr-3889	210	20	black	black	ADJ
fsr-3889	210	21	households	household	NOUN
fsr-3889	210	22	of	of	ADP
fsr-3889	210	23	other	other	ADJ
fsr-3889	210	24	adult	adult	NOUN
fsr-3889	210	25	relatives	relative	NOUN
fsr-3889	210	26	who	who	PRON
fsr-3889	210	27	may	may	AUX
fsr-3889	210	28	not	not	PART
fsr-3889	210	29	be	be	AUX
fsr-3889	210	30	able	able	ADJ
fsr-3889	210	31	to	to	PART
fsr-3889	210	32	contribute	contribute	VERB
fsr-3889	210	33	to	to	ADP
fsr-3889	210	34	household	household	NOUN
fsr-3889	210	35	financial	financial	ADJ
fsr-3889	210	36	resources	resource	NOUN
fsr-3889	210	37	,	,	PUNCT
fsr-3889	210	38	thus	thus	ADV
fsr-3889	210	39	reducing	reduce	VERB
fsr-3889	210	40	the	the	DET
fsr-3889	210	41	likelihood	likelihood	NOUN
fsr-3889	210	42	of	of	ADP
fsr-3889	210	43	risky	risky	ADJ
fsr-3889	210	44	asset	asset	NOUN
fsr-3889	210	45	investment	investment	NOUN
fsr-3889	210	46	.	.	PUNCT
fsr-3889	211	1	if	if	SCONJ
fsr-3889	211	2	black	black	ADJ
fsr-3889	211	3	households	household	NOUN
fsr-3889	211	4	and	and	CCONJ
fsr-3889	211	5	white	white	ADJ
fsr-3889	211	6	households	household	NOUN
fsr-3889	211	7	perceive	perceive	ADJ
fsr-3889	211	8	financial	financial	ADJ
fsr-3889	211	9	risks	risk	NOUN
fsr-3889	211	10	differently	differently	ADV
fsr-3889	211	11	,	,	PUNCT
fsr-3889	211	12	then	then	ADV
fsr-3889	211	13	racial	racial	ADJ
fsr-3889	211	14	differences	difference	NOUN
fsr-3889	211	15	in	in	ADP
fsr-3889	211	16	investment	investment	NOUN
fsr-3889	211	17	decision	decision	NOUN
fsr-3889	211	18	making	make	VERB
fsr-3889	211	19	might	might	AUX
fsr-3889	211	20	be	be	AUX
fsr-3889	211	21	due	due	ADJ
fsr-3889	211	22	to	to	ADP
fsr-3889	211	23	racial	racial	ADJ
fsr-3889	211	24	differences	difference	NOUN
fsr-3889	211	25	in	in	ADP
fsr-3889	211	26	the	the	DET
fsr-3889	211	27	perception	perception	NOUN
fsr-3889	211	28	of	of	ADP
fsr-3889	211	29	financial	financial	ADJ
fsr-3889	211	30	risk	risk	NOUN
fsr-3889	211	31	.	.	PUNCT
fsr-3889	212	1	however	however	ADV
fsr-3889	212	2	,	,	PUNCT
fsr-3889	212	3	we	we	PRON
fsr-3889	212	4	do	do	AUX
fsr-3889	212	5	not	not	PART
fsr-3889	212	6	find	find	VERB
fsr-3889	212	7	evidence	evidence	NOUN
fsr-3889	212	8	of	of	ADP
fsr-3889	212	9	a	a	DET
fsr-3889	212	10	racial	racial	ADJ
fsr-3889	212	11	difference	difference	NOUN
fsr-3889	212	12	in	in	ADP
fsr-3889	212	13	the	the	DET
fsr-3889	212	14	impact	impact	NOUN
fsr-3889	212	15	of	of	ADP
fsr-3889	212	16	reported	report	VERB
fsr-3889	212	17	willingness	willingness	NOUN
fsr-3889	212	18	to	to	PART
fsr-3889	212	19	take	take	VERB
fsr-3889	212	20	risk	risk	NOUN
fsr-3889	212	21	through	through	ADP
fsr-3889	212	22	risky	risky	ADJ
fsr-3889	212	23	asset	asset	NOUN
fsr-3889	212	24	ownership	ownership	NOUN
fsr-3889	212	25	;	;	PUNCT
fsr-3889	212	26	none	none	NOUN
fsr-3889	212	27	of	of	ADP
fsr-3889	212	28	the	the	DET
fsr-3889	212	29	interaction	interaction	NOUN
fsr-3889	212	30	terms	term	NOUN
fsr-3889	212	31	on	on	ADP
fsr-3889	212	32	the	the	DET
fsr-3889	212	33	risk	risk	NOUN
fsr-3889	212	34	variables	variable	NOUN
fsr-3889	212	35	are	be	AUX
fsr-3889	212	36	significant	significant	ADJ
fsr-3889	212	37	.	.	PUNCT
fsr-3889	213	1	however	however	ADV
fsr-3889	213	2	,	,	PUNCT
fsr-3889	213	3	hanna	hanna	NOUN
fsr-3889	213	4	and	and	CCONJ
fsr-3889	213	5	gutter	gutter	NOUN
fsr-3889	213	6	(	(	PUNCT
fsr-3889	213	7	1998	1998	NUM
fsr-3889	213	8	)	)	PUNCT
fsr-3889	213	9	caution	caution	NOUN
fsr-3889	213	10	that	that	SCONJ
fsr-3889	213	11	the	the	DET
fsr-3889	213	12	scf	scf	PROPN
fsr-3889	213	13	measure	measure	NOUN
fsr-3889	213	14	of	of	ADP
fsr-3889	213	15	risk	risk	NOUN
fsr-3889	213	16	tolerance	tolerance	NOUN
fsr-3889	213	17	does	do	AUX
fsr-3889	213	18	not	not	PART
fsr-3889	213	19	strictly	strictly	ADV
fsr-3889	213	20	fit	fit	VERB
fsr-3889	213	21	the	the	DET
fsr-3889	213	22	economic	economic	ADJ
fsr-3889	213	23	concept	concept	NOUN
fsr-3889	213	24	of	of	ADP
fsr-3889	213	25	relative	relative	ADJ
fsr-3889	213	26	risk	risk	NOUN
fsr-3889	213	27	aversion	aversion	NOUN
fsr-3889	213	28	.	.	PUNCT
fsr-3889	214	1	a	a	DET
fsr-3889	214	2	more	more	ADV
fsr-3889	214	3	theoretically	theoretically	ADV
fsr-3889	214	4	guided	guide	VERB
fsr-3889	214	5	measure	measure	NOUN
fsr-3889	214	6	of	of	ADP
fsr-3889	214	7	risk	risk	NOUN
fsr-3889	214	8	tolerance	tolerance	NOUN
fsr-3889	214	9	may	may	AUX
fsr-3889	214	10	be	be	AUX
fsr-3889	214	11	needed	need	VERB
fsr-3889	214	12	to	to	PART
fsr-3889	214	13	further	far	ADV
fsr-3889	214	14	explore	explore	VERB
fsr-3889	214	15	racial	racial	ADJ
fsr-3889	214	16	differences	difference	NOUN
fsr-3889	214	17	in	in	ADP
fsr-3889	214	18	risk	risk	NOUN
fsr-3889	214	19	tolerance	tolerance	NOUN
fsr-3889	214	20	.	.	PUNCT
fsr-3889	215	1	there	there	PRON
fsr-3889	215	2	are	be	VERB
fsr-3889	215	3	several	several	ADJ
fsr-3889	215	4	limitations	limitation	NOUN
fsr-3889	215	5	to	to	ADP
fsr-3889	215	6	this	this	DET
fsr-3889	215	7	study	study	NOUN
fsr-3889	215	8	that	that	PRON
fsr-3889	215	9	are	be	AUX
fsr-3889	215	10	inherent	inherent	ADJ
fsr-3889	215	11	to	to	ADP
fsr-3889	215	12	the	the	DET
fsr-3889	215	13	data	datum	NOUN
fsr-3889	215	14	set	set	VERB
fsr-3889	215	15	used	use	VERB
fsr-3889	215	16	.	.	PUNCT
fsr-3889	216	1	several	several	ADJ
fsr-3889	216	2	variables	variable	NOUN
fsr-3889	216	3	that	that	SCONJ
fsr-3889	216	4	we	we	PRON
fsr-3889	216	5	would	would	AUX
fsr-3889	216	6	like	like	VERB
fsr-3889	216	7	to	to	PART
fsr-3889	216	8	include	include	VERB
fsr-3889	216	9	in	in	ADP
fsr-3889	216	10	the	the	DET
fsr-3889	216	11	multivariate	multivariate	NOUN
fsr-3889	216	12	analysis	analysis	NOUN
fsr-3889	216	13	are	be	AUX
fsr-3889	216	14	not	not	PART
fsr-3889	216	15	available	available	ADJ
fsr-3889	216	16	in	in	ADP
fsr-3889	216	17	the	the	DET
fsr-3889	216	18	survey	survey	NOUN
fsr-3889	216	19	of	of	ADP
fsr-3889	216	20	consumer	consumer	NOUN
fsr-3889	216	21	finances	finance	NOUN
fsr-3889	216	22	public	public	ADJ
fsr-3889	216	23	use	use	VERB
fsr-3889	216	24	data	datum	NOUN
fsr-3889	216	25	set	set	VERB
fsr-3889	216	26	.	.	PUNCT
fsr-3889	217	1	we	we	PRON
fsr-3889	217	2	would	would	AUX
fsr-3889	217	3	like	like	VERB
fsr-3889	217	4	to	to	PART
fsr-3889	217	5	control	control	VERB
fsr-3889	217	6	for	for	ADP
fsr-3889	217	7	living	live	VERB
fsr-3889	217	8	in	in	ADP
fsr-3889	217	9	a	a	DET
fsr-3889	217	10	metropolitan	metropolitan	NOUN
fsr-3889	217	11	versus	versus	ADP
fsr-3889	217	12	a	a	DET
fsr-3889	217	13	non	non	ADJ
fsr-3889	217	14	-	-	ADJ
fsr-3889	217	15	metropolitan	metropolitan	ADJ
fsr-3889	217	16	area	area	NOUN
fsr-3889	217	17	,	,	PUNCT
fsr-3889	217	18	because	because	SCONJ
fsr-3889	217	19	living	live	VERB
fsr-3889	217	20	in	in	ADP
fsr-3889	217	21	a	a	DET
fsr-3889	217	22	metropolitan	metropolitan	ADJ
fsr-3889	217	23	area	area	NOUN
fsr-3889	217	24	provides	provide	VERB
fsr-3889	217	25	a	a	DET
fsr-3889	217	26	greater	great	ADJ
fsr-3889	217	27	pool	pool	NOUN
fsr-3889	217	28	of	of	ADP
fsr-3889	217	29	community	community	NOUN
fsr-3889	217	30	resources	resource	NOUN
fsr-3889	217	31	and	and	CCONJ
fsr-3889	217	32	a	a	DET
fsr-3889	217	33	greater	great	ADJ
fsr-3889	217	34	prevalence	prevalence	NOUN
fsr-3889	217	35	of	of	ADP
fsr-3889	217	36	financial	financial	ADJ
fsr-3889	217	37	institutions	institution	NOUN
fsr-3889	217	38	.	.	PUNCT
fsr-3889	218	1	a	a	DET
fsr-3889	218	2	metropolitan	metropolitan	ADJ
fsr-3889	218	3	indicator	indicator	NOUN
fsr-3889	218	4	variable	variable	NOUN
fsr-3889	218	5	could	could	AUX
fsr-3889	218	6	serve	serve	VERB
fsr-3889	218	7	as	as	ADP
fsr-3889	218	8	a	a	DET
fsr-3889	218	9	proxy	proxy	NOUN
fsr-3889	218	10	for	for	ADP
fsr-3889	218	11	the	the	DET
fsr-3889	218	12	amount	amount	NOUN
fsr-3889	218	13	,	,	PUNCT
fsr-3889	218	14	but	but	CCONJ
fsr-3889	218	15	not	not	PART
fsr-3889	218	16	the	the	DET
fsr-3889	218	17	actual	actual	ADJ
fsr-3889	218	18	use	use	NOUN
fsr-3889	218	19	,	,	PUNCT
fsr-3889	218	20	of	of	ADP
fsr-3889	218	21	financial	financial	ADJ
fsr-3889	218	22	information	information	NOUN
fsr-3889	218	23	.	.	PUNCT
fsr-3889	219	1	we	we	PRON
fsr-3889	219	2	also	also	ADV
fsr-3889	219	3	do	do	AUX
fsr-3889	219	4	not	not	PART
fsr-3889	219	5	have	have	VERB
fsr-3889	219	6	information	information	NOUN
fsr-3889	219	7	on	on	ADP
fsr-3889	219	8	whether	whether	SCONJ
fsr-3889	219	9	investment	investment	NOUN
fsr-3889	219	10	advice	advice	NOUN
fsr-3889	219	11	was	be	AUX
fsr-3889	219	12	received	receive	VERB
fsr-3889	219	13	from	from	ADP
fsr-3889	219	14	family	family	NOUN
fsr-3889	219	15	,	,	PUNCT
fsr-3889	219	16	peers	peer	NOUN
fsr-3889	219	17	,	,	PUNCT
fsr-3889	219	18	or	or	CCONJ
fsr-3889	219	19	the	the	DET
fsr-3889	219	20	media	medium	NOUN
fsr-3889	219	21	.	.	PUNCT
fsr-3889	220	1	the	the	DET
fsr-3889	220	2	findings	finding	NOUN
fsr-3889	220	3	of	of	ADP
fsr-3889	220	4	this	this	DET
fsr-3889	220	5	study	study	NOUN
fsr-3889	220	6	are	be	AUX
fsr-3889	220	7	generally	generally	ADV
fsr-3889	220	8	consistent	consistent	ADJ
fsr-3889	220	9	with	with	ADP
fsr-3889	220	10	previous	previous	ADJ
fsr-3889	220	11	studies	study	NOUN
fsr-3889	220	12	that	that	PRON
fsr-3889	220	13	blacks	black	NOUN
fsr-3889	220	14	and	and	CCONJ
fsr-3889	220	15	whites	white	NOUN
fsr-3889	220	16	have	have	VERB
fsr-3889	220	17	different	different	ADJ
fsr-3889	220	18	investment	investment	NOUN
fsr-3889	220	19	behaviors	behavior	NOUN
fsr-3889	220	20	(	(	PUNCT
fsr-3889	220	21	boyce	boyce	PROPN
fsr-3889	220	22	,	,	PUNCT
fsr-3889	220	23	1998	1998	NUM
fsr-3889	220	24	;	;	PUNCT
fsr-3889	220	25	mabry	mabry	PROPN
fsr-3889	220	26	,	,	PUNCT
fsr-3889	220	27	1999	1999	NUM
fsr-3889	220	28	;	;	PUNCT
fsr-3889	220	29	myers	myer	NOUN
fsr-3889	220	30	and	and	CCONJ
fsr-3889	220	31	chung	chung	PROPN
fsr-3889	220	32	,	,	PUNCT
fsr-3889	220	33	1996	1996	NUM
fsr-3889	220	34	;	;	PUNCT
fsr-3889	220	35	zhong	zhong	PROPN
fsr-3889	220	36	and	and	CCONJ
fsr-3889	220	37	xiao	xiao	PROPN
fsr-3889	220	38	,	,	PUNCT
fsr-3889	220	39	1995	1995	NUM
fsr-3889	220	40	)	)	PUNCT
fsr-3889	220	41	.	.	PUNCT
fsr-3889	221	1	our	our	PRON
fsr-3889	221	2	empirical	empirical	ADJ
fsr-3889	221	3	model	model	NOUN
fsr-3889	221	4	allows	allow	VERB
fsr-3889	221	5	the	the	DET
fsr-3889	221	6	effect	effect	NOUN
fsr-3889	221	7	of	of	ADP
fsr-3889	221	8	socioeconomic	socioeconomic	ADJ
fsr-3889	221	9	,	,	PUNCT
fsr-3889	221	10	financial	financial	ADJ
fsr-3889	221	11	,	,	PUNCT
fsr-3889	221	12	and	and	CCONJ
fsr-3889	221	13	attitudinal	attitudinal	ADJ
fsr-3889	221	14	variables	variable	NOUN
fsr-3889	221	15	on	on	ADP
fsr-3889	221	16	risky	risky	ADJ
fsr-3889	221	17	asset	asset	NOUN
fsr-3889	221	18	ownership	ownership	NOUN
fsr-3889	221	19	to	to	PART
fsr-3889	221	20	differ	differ	VERB
fsr-3889	221	21	between	between	ADP
fsr-3889	221	22	black	black	ADJ
fsr-3889	221	23	households	household	NOUN
fsr-3889	221	24	and	and	CCONJ
fsr-3889	221	25	white	white	ADJ
fsr-3889	221	26	households	household	NOUN
fsr-3889	221	27	.	.	PUNCT
fsr-3889	222	1	with	with	ADP
fsr-3889	222	2	this	this	DET
fsr-3889	222	3	empirical	empirical	ADJ
fsr-3889	222	4	specification	specification	NOUN
fsr-3889	222	5	we	we	PRON
fsr-3889	222	6	are	be	AUX
fsr-3889	222	7	able	able	ADJ
fsr-3889	222	8	to	to	PART
fsr-3889	222	9	conclude	conclude	VERB
fsr-3889	222	10	that	that	SCONJ
fsr-3889	222	11	racial	racial	ADJ
fsr-3889	222	12	differences	difference	NOUN
fsr-3889	222	13	in	in	ADP
fsr-3889	222	14	risky	risky	ADJ
fsr-3889	222	15	asset	asset	NOUN
fsr-3889	222	16	ownership	ownership	NOUN
fsr-3889	222	17	are	be	AUX
fsr-3889	222	18	due	due	ADJ
fsr-3889	222	19	to	to	ADP
fsr-3889	222	20	racial	racial	ADJ
fsr-3889	222	21	differences	difference	NOUN
fsr-3889	222	22	in	in	ADP
fsr-3889	222	23	the	the	DET
fsr-3889	222	24	individual	individual	ADJ
fsr-3889	222	25	determinants	determinant	NOUN
fsr-3889	222	26	of	of	ADP
fsr-3889	222	27	risky	risky	ADJ
fsr-3889	222	28	asset	asset	NOUN
fsr-3889	222	29	ownership	ownership	NOUN
fsr-3889	222	30	,	,	PUNCT
fsr-3889	222	31	not	not	PART
fsr-3889	222	32	to	to	PART
fsr-3889	222	33	race	race	VERB
fsr-3889	222	34	in	in	ADV
fsr-3889	222	35	and	and	CCONJ
fsr-3889	222	36	of	of	ADP
fsr-3889	222	37	itself	itself	PRON
fsr-3889	222	38	.	.	PUNCT
fsr-3889	223	1	this	this	DET
fsr-3889	223	2	enhanced	enhance	VERB
fsr-3889	223	3	understanding	understanding	NOUN
fsr-3889	223	4	of	of	ADP
fsr-3889	223	5	racial	racial	ADJ
fsr-3889	223	6	differences	difference	NOUN
fsr-3889	223	7	in	in	ADP
fsr-3889	223	8	investor	investor	NOUN
fsr-3889	223	9	decision	decision	NOUN
fsr-3889	223	10	making	making	NOUN
fsr-3889	223	11	can	can	AUX
fsr-3889	223	12	help	help	VERB
fsr-3889	223	13	financial	financial	ADJ
fsr-3889	223	14	practitioners	practitioner	NOUN
fsr-3889	223	15	more	more	ADV
fsr-3889	223	16	accurately	accurately	ADV
fsr-3889	223	17	understand	understand	VERB
fsr-3889	223	18	and	and	CCONJ
fsr-3889	223	19	better	well	ADV
fsr-3889	223	20	serve	serve	VERB
fsr-3889	223	21	a	a	DET
fsr-3889	223	22	racially	racially	ADV
fsr-3889	223	23	diverse	diverse	ADJ
fsr-3889	223	24	clientele	clientele	NOUN
fsr-3889	223	25	.	.	PUNCT
fsr-3889	224	1	improved	improved	ADJ
fsr-3889	224	2	service	service	NOUN
fsr-3889	224	3	should	should	AUX
fsr-3889	224	4	lead	lead	VERB
fsr-3889	224	5	to	to	ADP
fsr-3889	224	6	more	more	ADJ
fsr-3889	224	7	use	use	NOUN
fsr-3889	224	8	of	of	ADP
fsr-3889	224	9	financial	financial	ADJ
fsr-3889	224	10	advisors	advisor	NOUN
fsr-3889	224	11	by	by	ADP
fsr-3889	224	12	clientele	clientele	PROPN
fsr-3889	224	13	,	,	PUNCT
fsr-3889	224	14	resulting	result	VERB
fsr-3889	224	15	in	in	ADP
fsr-3889	224	16	improved	improved	ADJ
fsr-3889	224	17	portfolio	portfolio	NOUN
fsr-3889	224	18	allocation	allocation	NOUN
fsr-3889	224	19	.	.	PUNCT
fsr-3889	225	1	in	in	ADP
fsr-3889	225	2	the	the	DET
fsr-3889	225	3	long	long	ADJ
fsr-3889	225	4	run	run	NOUN
fsr-3889	225	5	,	,	PUNCT
fsr-3889	225	6	strategic	strategic	ADJ
fsr-3889	225	7	portfolio	portfolio	NOUN
fsr-3889	225	8	allocation	allocation	NOUN
fsr-3889	225	9	should	should	AUX
fsr-3889	225	10	yield	yield	VERB
fsr-3889	225	11	higher	high	ADJ
fsr-3889	225	12	net	net	ADJ
fsr-3889	225	13	worth	worth	ADJ
fsr-3889	225	14	,	,	PUNCT
fsr-3889	225	15	higher	high	ADJ
fsr-3889	225	16	lifetime	lifetime	NOUN
fsr-3889	225	17	consumption	consumption	NOUN
fsr-3889	225	18	,	,	PUNCT
fsr-3889	225	19	and	and	CCONJ
fsr-3889	225	20	higher	high	ADJ
fsr-3889	225	21	lifetime	lifetime	NOUN
fsr-3889	225	22	utility	utility	NOUN
fsr-3889	225	23	.	.	PUNCT
fsr-3889	226	1	161m.s	161m.s	X
fsr-3889	226	2	.	.	PUNCT
fsr-3889	227	1	gutter	gutter	NOUN
fsr-3889	227	2	/	/	SYM
fsr-3889	227	3	financial	financial	ADJ
fsr-3889	227	4	services	service	NOUN
fsr-3889	227	5	review	review	VERB
fsr-3889	227	6	8	8	NUM
fsr-3889	227	7	(	(	PUNCT
fsr-3889	227	8	1999	1999	NUM
fsr-3889	227	9	)	)	PUNCT
fsr-3889	227	10	149–162	149–162	NUM
fsr-3889	227	11	references	reference	NOUN
fsr-3889	227	12	ando	ando	VERB
fsr-3889	227	13	,	,	PUNCT
fsr-3889	227	14	a.	a.	PROPN
fsr-3889	227	15	&	&	CCONJ
fsr-3889	227	16	modigliani	modigliani	PROPN
fsr-3889	227	17	,	,	PUNCT
fsr-3889	227	18	f.	f.	PROPN
fsr-3889	227	19	(	(	PUNCT
fsr-3889	227	20	1963	1963	NUM
fsr-3889	227	21	)	)	PUNCT
fsr-3889	227	22	.	.	PUNCT
fsr-3889	228	1	the	the	DET
fsr-3889	228	2	life	life	NOUN
fsr-3889	228	3	-	-	PUNCT
fsr-3889	228	4	cycle	cycle	NOUN
fsr-3889	228	5	hypothesis	hypothesis	NOUN
fsr-3889	228	6	of	of	ADP
fsr-3889	228	7	saving.american	saving.american	ADJ
fsr-3889	228	8	economic	economic	ADJ
fsr-3889	228	9	review	review	NOUN
fsr-3889	228	10	,	,	PUNCT
fsr-3889	228	11	53(1	53(1	NOUN
fsr-3889	228	12	)	)	PUNCT
fsr-3889	228	13	,	,	PUNCT
fsr-3889	228	14	55–74	55–74	NUM
fsr-3889	228	15	.	.	PUNCT
fsr-3889	229	1	bajtelsmit	bajtelsmit	NOUN
fsr-3889	229	2	,	,	PUNCT
fsr-3889	229	3	v.	v.	PROPN
fsr-3889	229	4	&	&	CCONJ
fsr-3889	229	5	bernasek	bernasek	PROPN
fsr-3889	229	6	,	,	PUNCT
fsr-3889	229	7	a.	a.	NOUN
fsr-3889	229	8	(	(	PUNCT
fsr-3889	229	9	1996	1996	NUM
fsr-3889	229	10	)	)	PUNCT
fsr-3889	229	11	.	.	PUNCT
fsr-3889	230	1	why	why	SCONJ
fsr-3889	230	2	do	do	AUX
fsr-3889	230	3	women	woman	NOUN
fsr-3889	230	4	invest	invest	VERB
fsr-3889	230	5	differently	differently	ADV
fsr-3889	230	6	than	than	ADP
fsr-3889	230	7	men?financial	men?financial	ADJ
fsr-3889	230	8	counseling	counseling	NOUN
fsr-3889	230	9	and	and	CCONJ
fsr-3889	230	10	planning	planning	NOUN
fsr-3889	230	11	,	,	PUNCT
fsr-3889	230	12	7,1–9	7,1–9	NOUN
fsr-3889	230	13	.	.	PUNCT
fsr-3889	230	14	bajtelsmit	bajtelsmit	NOUN
fsr-3889	230	15	,	,	PUNCT
fsr-3889	230	16	v.	v.	ADV
fsr-3889	230	17	,	,	PUNCT
fsr-3889	230	18	bernasek	bernasek	PROPN
fsr-3889	230	19	,	,	PUNCT
fsr-3889	230	20	a.	a.	PROPN
fsr-3889	230	21	&	&	CCONJ
fsr-3889	230	22	jiankoplos	jiankoplos	PROPN
fsr-3889	230	23	,	,	PUNCT
fsr-3889	230	24	n.	n.	PROPN
fsr-3889	230	25	(	(	PUNCT
fsr-3889	230	26	1999	1999	NUM
fsr-3889	230	27	)	)	PUNCT
fsr-3889	230	28	.	.	PUNCT
fsr-3889	231	1	gender	gender	NOUN
fsr-3889	231	2	differences	difference	NOUN
fsr-3889	231	3	in	in	ADP
fsr-3889	231	4	defined	define	VERB
fsr-3889	231	5	contribution	contribution	NOUN
fsr-3889	231	6	pension	pension	NOUN
fsr-3889	231	7	decisions.financial	decisions.financial	PROPN
fsr-3889	231	8	services	service	NOUN
fsr-3889	231	9	review	review	NOUN
fsr-3889	231	10	,	,	PUNCT
fsr-3889	231	11	8(1	8(1	NOUN
fsr-3889	231	12	)	)	PUNCT
fsr-3889	231	13	,	,	PUNCT
fsr-3889	231	14	1–10	1–10	NOUN
fsr-3889	231	15	.	.	PUNCT
fsr-3889	232	1	boyce	boyce	PROPN
fsr-3889	232	2	,	,	PUNCT
fsr-3889	232	3	j.	j.	PROPN
fsr-3889	232	4	(	(	PUNCT
fsr-3889	232	5	1998	1998	NUM
fsr-3889	232	6	)	)	PUNCT
fsr-3889	232	7	.	.	PUNCT
fsr-3889	233	1	blacks	black	NOUN
fsr-3889	233	2	are	be	AUX
fsr-3889	233	3	bearish	bearish	ADJ
fsr-3889	233	4	on	on	ADP
fsr-3889	233	5	wall	wall	PROPN
fsr-3889	233	6	street	street	PROPN
fsr-3889	233	7	says	say	VERB
fsr-3889	233	8	new	new	ADJ
fsr-3889	233	9	survey	survey	NOUN
fsr-3889	233	10	.	.	PUNCT
fsr-3889	234	1	the	the	DET
fsr-3889	234	2	wall	wall	PROPN
fsr-3889	234	3	street	street	PROPN
fsr-3889	234	4	journal	journal	PROPN
fsr-3889	234	5	,	,	PUNCT
fsr-3889	234	6	231(69	231(69	NUM
fsr-3889	234	7	)	)	PUNCT
fsr-3889	234	8	,	,	PUNCT
fsr-3889	234	9	c21	c21	PROPN
fsr-3889	234	10	.	.	PROPN
fsr-3889	234	11	deaton	deaton	PROPN
fsr-3889	234	12	,	,	PUNCT
fsr-3889	234	13	a.	a.	PROPN
fsr-3889	234	14	(	(	PUNCT
fsr-3889	234	15	1992).understanding	1992).understanding	NUM
fsr-3889	234	16	consumption.oxford	consumption.oxford	NUM
fsr-3889	234	17	:	:	PUNCT
fsr-3889	234	18	clarendon	clarendon	PROPN
fsr-3889	234	19	press	press	PROPN
fsr-3889	234	20	.	.	PUNCT
fsr-3889	235	1	embrey	embrey	PROPN
fsr-3889	235	2	,	,	PUNCT
fsr-3889	235	3	l.	l.	PROPN
fsr-3889	235	4	&	&	CCONJ
fsr-3889	235	5	fox	fox	PROPN
fsr-3889	235	6	,	,	PUNCT
fsr-3889	235	7	j.	j.	PROPN
fsr-3889	235	8	(	(	PUNCT
fsr-3889	235	9	1997	1997	NUM
fsr-3889	235	10	)	)	PUNCT
fsr-3889	235	11	.	.	PUNCT
fsr-3889	236	1	gender	gender	NOUN
fsr-3889	236	2	differences	difference	NOUN
fsr-3889	236	3	in	in	ADP
fsr-3889	236	4	the	the	DET
fsr-3889	236	5	investment	investment	NOUN
fsr-3889	236	6	decision	decision	NOUN
fsr-3889	236	7	making	make	VERB
fsr-3889	236	8	process.financial	process.financial	ADJ
fsr-3889	236	9	counseling	counseling	NOUN
fsr-3889	236	10	and	and	CCONJ
fsr-3889	236	11	planning	planning	NOUN
fsr-3889	236	12	,	,	PUNCT
fsr-3889	236	13	8(2	8(2	NUM
fsr-3889	236	14	)	)	PUNCT
fsr-3889	236	15	,	,	PUNCT
fsr-3889	236	16	33–39	33–39	NUM
fsr-3889	236	17	.	.	PUNCT
fsr-3889	237	1	hanna	hanna	PROPN
fsr-3889	237	2	,	,	PUNCT
fsr-3889	237	3	s.	s.	PROPN
fsr-3889	237	4	&	&	CCONJ
fsr-3889	237	5	gutter	gutter	NOUN
fsr-3889	237	6	,	,	PUNCT
fsr-3889	237	7	m.	m.	NOUN
fsr-3889	237	8	(	(	PUNCT
fsr-3889	237	9	1998	1998	NUM
fsr-3889	237	10	)	)	PUNCT
fsr-3889	237	11	.	.	PUNCT
fsr-3889	238	1	a	a	DET
fsr-3889	238	2	theory	theory	NOUN
fsr-3889	238	3	based	base	VERB
fsr-3889	238	4	measure	measure	NOUN
fsr-3889	238	5	of	of	ADP
fsr-3889	238	6	risk	risk	NOUN
fsr-3889	238	7	tolerance.proceedings	tolerance.proceeding	NOUN
fsr-3889	238	8	of	of	ADP
fsr-3889	238	9	the	the	DET
fsr-3889	238	10	academy	academy	NOUN
fsr-3889	238	11	of	of	ADP
fsr-3889	238	12	financial	financial	PROPN
fsr-3889	238	13	services,10–11	services,10–11	PROPN
fsr-3889	238	14	.	.	PUNCT
fsr-3889	239	1	jackson	jackson	PROPN
fsr-3889	239	2	,	,	PUNCT
fsr-3889	239	3	j.	j.	PROPN
fsr-3889	239	4	&	&	CCONJ
fsr-3889	239	5	lindley	lindley	PROPN
fsr-3889	239	6	,	,	PUNCT
fsr-3889	239	7	j.	j.	PROPN
fsr-3889	239	8	(	(	PUNCT
fsr-3889	239	9	1989	1989	NUM
fsr-3889	239	10	)	)	PUNCT
fsr-3889	239	11	.	.	PUNCT
fsr-3889	240	1	measuring	measure	VERB
fsr-3889	240	2	the	the	DET
fsr-3889	240	3	extent	extent	NOUN
fsr-3889	240	4	of	of	ADP
fsr-3889	240	5	wage	wage	NOUN
fsr-3889	240	6	discrimination	discrimination	NOUN
fsr-3889	240	7	:	:	PUNCT
fsr-3889	240	8	a	a	DET
fsr-3889	240	9	statistical	statistical	ADJ
fsr-3889	240	10	test	test	NOUN
fsr-3889	240	11	and	and	CCONJ
fsr-3889	240	12	a	a	DET
fsr-3889	240	13	caveat	caveat	NOUN
fsr-3889	240	14	.	.	PUNCT
fsr-3889	241	1	applied	apply	VERB
fsr-3889	241	2	economics	economic	NOUN
fsr-3889	241	3	,	,	PUNCT
fsr-3889	241	4	21,515–540	21,515–540	NUM
fsr-3889	241	5	.	.	PUNCT
fsr-3889	242	1	kennickell	kennickell	PROPN
fsr-3889	242	2	,	,	PUNCT
fsr-3889	242	3	a.	a.	PROPN
fsr-3889	242	4	b.	b.	PROPN
fsr-3889	243	1	(	(	PUNCT
fsr-3889	243	2	1997).codebook	1997).codebook	NUM
fsr-3889	243	3	for	for	ADP
fsr-3889	243	4	1995	1995	NUM
fsr-3889	243	5	survey	survey	NOUN
fsr-3889	243	6	of	of	ADP
fsr-3889	243	7	consumer	consumer	NOUN
fsr-3889	243	8	finances	finance	NOUN
fsr-3889	243	9	.	.	PUNCT
fsr-3889	244	1	washington	washington	PROPN
fsr-3889	244	2	d.c	d.c	PROPN
fsr-3889	244	3	.	.	PUNCT
fsr-3889	244	4	:	:	PUNCT
fsr-3889	245	1	federal	federal	PROPN
fsr-3889	245	2	reserve	reserve	NOUN
fsr-3889	245	3	system	system	NOUN
fsr-3889	245	4	.	.	PUNCT
fsr-3889	246	1	kennickell	kennickell	PROPN
fsr-3889	246	2	,	,	PUNCT
fsr-3889	246	3	a.	a.	PROPN
fsr-3889	246	4	b.	b.	PROPN
fsr-3889	246	5	&	&	CCONJ
fsr-3889	246	6	mcmanus	mcmanus	PROPN
fsr-3889	246	7	,	,	PUNCT
fsr-3889	246	8	d.	d.	PROPN
fsr-3889	246	9	(	(	PUNCT
fsr-3889	246	10	1993	1993	NUM
fsr-3889	246	11	)	)	PUNCT
fsr-3889	246	12	.	.	PUNCT
fsr-3889	247	1	sampling	sample	VERB
fsr-3889	247	2	for	for	ADP
fsr-3889	247	3	household	household	NOUN
fsr-3889	247	4	financial	financial	ADJ
fsr-3889	247	5	characteristics	characteristic	NOUN
fsr-3889	247	6	using	use	VERB
fsr-3889	247	7	frame	frame	NOUN
fsr-3889	247	8	information	information	NOUN
fsr-3889	247	9	on	on	ADP
fsr-3889	247	10	past	past	ADJ
fsr-3889	247	11	income.proceedings	income.proceeding	NOUN
fsr-3889	247	12	of	of	ADP
fsr-3889	247	13	the	the	DET
fsr-3889	247	14	section	section	NOUN
fsr-3889	247	15	on	on	ADP
fsr-3889	247	16	survey	survey	NOUN
fsr-3889	247	17	research	research	NOUN
fsr-3889	247	18	methods	method	NOUN
fsr-3889	247	19	,	,	PUNCT
fsr-3889	247	20	1993	1993	NUM
fsr-3889	247	21	joint	joint	ADJ
fsr-3889	247	22	statistical	statistical	ADJ
fsr-3889	247	23	meetings	meeting	NOUN
fsr-3889	247	24	of	of	ADP
fsr-3889	247	25	the	the	DET
fsr-3889	247	26	american	american	ADJ
fsr-3889	247	27	statistical	statistical	PROPN
fsr-3889	247	28	association	association	PROPN
fsr-3889	247	29	,	,	PUNCT
fsr-3889	247	30	atlanta	atlanta	PROPN
fsr-3889	247	31	,	,	PUNCT
fsr-3889	247	32	ga	ga	PROPN
fsr-3889	247	33	.	.	PROPN
fsr-3889	247	34	kennickell	kennickell	PROPN
fsr-3889	247	35	,	,	PUNCT
fsr-3889	247	36	a.	a.	PROPN
fsr-3889	247	37	b.	b.	PROPN
fsr-3889	247	38	,	,	PUNCT
fsr-3889	247	39	mcmanus	mcmanus	PROPN
fsr-3889	247	40	,	,	PUNCT
fsr-3889	247	41	d.	d.	PROPN
fsr-3889	247	42	&	&	CCONJ
fsr-3889	247	43	woodburn	woodburn	PROPN
fsr-3889	247	44	,	,	PUNCT
fsr-3889	247	45	r.l	r.l	PROPN
fsr-3889	247	46	.	.	PROPN
fsr-3889	247	47	(	(	PUNCT
fsr-3889	247	48	1996	1996	NUM
fsr-3889	247	49	)	)	PUNCT
fsr-3889	247	50	.	.	PUNCT
fsr-3889	248	1	weighting	weight	VERB
fsr-3889	248	2	design	design	NOUN
fsr-3889	248	3	for	for	ADP
fsr-3889	248	4	the	the	DET
fsr-3889	248	5	1992	1992	NUM
fsr-3889	248	6	survey	survey	NOUN
fsr-3889	248	7	of	of	ADP
fsr-3889	248	8	consumer	consumer	NOUN
fsr-3889	248	9	finances	finance	NOUN
fsr-3889	248	10	.	.	PUNCT
fsr-3889	249	1	working	work	VERB
fsr-3889	249	2	paper	paper	NOUN
fsr-3889	249	3	.	.	PUNCT
fsr-3889	250	1	board	board	NOUN
fsr-3889	250	2	of	of	ADP
fsr-3889	250	3	governors	governor	NOUN
fsr-3889	250	4	of	of	ADP
fsr-3889	250	5	the	the	DET
fsr-3889	250	6	federal	federal	PROPN
fsr-3889	250	7	reserve	reserve	PROPN
fsr-3889	250	8	system	system	NOUN
fsr-3889	250	9	.	.	PUNCT
fsr-3889	251	1	mabry	mabry	PROPN
fsr-3889	251	2	,	,	PUNCT
fsr-3889	251	3	t.	t.	PROPN
fsr-3889	251	4	(	(	PUNCT
fsr-3889	251	5	1999	1999	NUM
fsr-3889	251	6	)	)	PUNCT
fsr-3889	251	7	.	.	PUNCT
fsr-3889	252	1	black	black	ADJ
fsr-3889	252	2	investors	investor	NOUN
fsr-3889	252	3	stay	stay	VERB
fsr-3889	252	4	away	away	ADV
fsr-3889	252	5	from	from	ADP
fsr-3889	252	6	stocks.the	stocks.the	DET
fsr-3889	252	7	wall	wall	PROPN
fsr-3889	252	8	street	street	PROPN
fsr-3889	252	9	journal	journal	PROPN
fsr-3889	252	10	,	,	PUNCT
fsr-3889	252	11	233(94	233(94	NUM
fsr-3889	252	12	)	)	PUNCT
fsr-3889	252	13	,	,	PUNCT
fsr-3889	252	14	a2	a2	PROPN
fsr-3889	252	15	.	.	PROPN
fsr-3889	252	16	montalto	montalto	PROPN
fsr-3889	252	17	,	,	PUNCT
fsr-3889	252	18	c.p	c.p	PROPN
fsr-3889	252	19	.	.	PROPN
fsr-3889	253	1	(	(	PUNCT
fsr-3889	253	2	1998	1998	NUM
fsr-3889	253	3	)	)	PUNCT
fsr-3889	253	4	.	.	PUNCT
fsr-3889	254	1	practical	practical	ADJ
fsr-3889	254	2	issues	issue	NOUN
fsr-3889	254	3	and	and	CCONJ
fsr-3889	254	4	challenges	challenge	NOUN
fsr-3889	254	5	from	from	ADP
fsr-3889	254	6	a	a	DET
fsr-3889	254	7	users	user	NOUN
fsr-3889	254	8	’	'	PUNCT
fsr-3889	254	9	perspective.consumer	perspective.consumer	PROPN
fsr-3889	254	10	interests	interest	NOUN
fsr-3889	254	11	annual	annual	ADJ
fsr-3889	254	12	,	,	PUNCT
fsr-3889	254	13	44	44	NUM
fsr-3889	254	14	,	,	PUNCT
fsr-3889	254	15	232–233	232–233	NUM
fsr-3889	254	16	.	.	PUNCT
fsr-3889	254	17	montalto	montalto	PROPN
fsr-3889	254	18	,	,	PUNCT
fsr-3889	254	19	c.	c.	PROPN
fsr-3889	254	20	p.	p.	PROPN
fsr-3889	254	21	&	&	CCONJ
fsr-3889	254	22	sung	sung	PROPN
fsr-3889	254	23	,	,	PUNCT
fsr-3889	254	24	j.	j.	PROPN
fsr-3889	254	25	(	(	PUNCT
fsr-3889	254	26	1996	1996	NUM
fsr-3889	254	27	)	)	PUNCT
fsr-3889	254	28	.	.	PUNCT
fsr-3889	255	1	multiple	multiple	ADJ
fsr-3889	255	2	imputation	imputation	NOUN
fsr-3889	255	3	in	in	ADP
fsr-3889	255	4	the	the	DET
fsr-3889	255	5	1992	1992	NUM
fsr-3889	255	6	survey	survey	NOUN
fsr-3889	255	7	of	of	ADP
fsr-3889	255	8	consumer	consumer	NOUN
fsr-3889	255	9	finances.financial	finances.financial	ADJ
fsr-3889	255	10	counseling	counseling	NOUN
fsr-3889	255	11	and	and	CCONJ
fsr-3889	255	12	planning	planning	NOUN
fsr-3889	255	13	,	,	PUNCT
fsr-3889	255	14	7,133–146	7,133–146	PROPN
fsr-3889	255	15	.	.	PUNCT
fsr-3889	255	16	montalto	montalto	PROPN
fsr-3889	255	17	,	,	PUNCT
fsr-3889	255	18	c.	c.	PROPN
fsr-3889	255	19	p.	p.	PROPN
fsr-3889	255	20	&	&	CCONJ
fsr-3889	255	21	yuh	yuh	PROPN
fsr-3889	255	22	,	,	PUNCT
fsr-3889	255	23	y.	y.	PROPN
fsr-3889	255	24	(	(	PUNCT
fsr-3889	255	25	1998	1998	NUM
fsr-3889	255	26	)	)	PUNCT
fsr-3889	255	27	.	.	PUNCT
fsr-3889	256	1	estimating	estimate	VERB
fsr-3889	256	2	nonlinear	nonlinear	ADJ
fsr-3889	256	3	models	model	NOUN
fsr-3889	256	4	with	with	ADP
fsr-3889	256	5	multiply	multiply	ADV
fsr-3889	256	6	imputed	impute	VERB
fsr-3889	256	7	data.financial	data.financial	ADJ
fsr-3889	256	8	counseling	counseling	NOUN
fsr-3889	256	9	and	and	CCONJ
fsr-3889	256	10	planning	planning	NOUN
fsr-3889	256	11	,	,	PUNCT
fsr-3889	256	12	9(1	9(1	NUM
fsr-3889	256	13	)	)	PUNCT
fsr-3889	256	14	,	,	PUNCT
fsr-3889	257	1	97–101	97–101	PROPN
fsr-3889	257	2	.	.	PUNCT
fsr-3889	257	3	myers	myers	PROPN
fsr-3889	257	4	,	,	PUNCT
fsr-3889	257	5	s.	s.	PROPN
fsr-3889	257	6	&	&	CCONJ
fsr-3889	257	7	chung	chung	PROPN
fsr-3889	257	8	,	,	PUNCT
fsr-3889	257	9	c.	c.	PROPN
fsr-3889	257	10	(	(	PUNCT
fsr-3889	257	11	1996	1996	NUM
fsr-3889	257	12	)	)	PUNCT
fsr-3889	257	13	.	.	PUNCT
fsr-3889	258	1	racial	racial	ADJ
fsr-3889	258	2	differences	difference	NOUN
fsr-3889	258	3	in	in	ADP
fsr-3889	258	4	home	home	NOUN
fsr-3889	258	5	ownership	ownership	NOUN
fsr-3889	258	6	and	and	CCONJ
fsr-3889	258	7	home	home	NOUN
fsr-3889	258	8	equity	equity	NOUN
fsr-3889	258	9	among	among	ADP
fsr-3889	258	10	preretirement	preretirement	NOUN
fsr-3889	258	11	-	-	PUNCT
fsr-3889	258	12	aged	age	VERB
fsr-3889	258	13	households.the	households.the	PRON
fsr-3889	258	14	gerontologist	gerontologist	NOUN
fsr-3889	258	15	,	,	PUNCT
fsr-3889	258	16	36(3	36(3	NOUN
fsr-3889	258	17	)	)	PUNCT
fsr-3889	258	18	,	,	PUNCT
fsr-3889	258	19	350–360	350–360	NUM
fsr-3889	258	20	.	.	PUNCT
fsr-3889	259	1	schooley	schooley	PROPN
fsr-3889	259	2	,	,	PUNCT
fsr-3889	259	3	d.	d.	PROPN
fsr-3889	259	4	k.	k.	PROPN
fsr-3889	259	5	&	&	CCONJ
fsr-3889	259	6	worden	worden	PROPN
fsr-3889	259	7	,	,	PUNCT
fsr-3889	259	8	d.	d.	PROPN
fsr-3889	259	9	d.	d.	PROPN
fsr-3889	259	10	(	(	PUNCT
fsr-3889	259	11	1996	1996	NUM
fsr-3889	259	12	)	)	PUNCT
fsr-3889	259	13	.	.	PUNCT
fsr-3889	260	1	risk	risk	NOUN
fsr-3889	260	2	aversion	aversion	NOUN
fsr-3889	260	3	measures	measure	NOUN
fsr-3889	260	4	:	:	PUNCT
fsr-3889	260	5	comparing	compare	VERB
fsr-3889	260	6	attitudes	attitude	NOUN
fsr-3889	260	7	and	and	CCONJ
fsr-3889	260	8	asset	asset	NOUN
fsr-3889	260	9	allocation	allocation	NOUN
fsr-3889	260	10	.	.	PUNCT
fsr-3889	261	1	financial	financial	ADJ
fsr-3889	261	2	services	service	NOUN
fsr-3889	261	3	review	review	NOUN
fsr-3889	261	4	,	,	PUNCT
fsr-3889	261	5	5(2	5(2	NUM
fsr-3889	261	6	)	)	PUNCT
fsr-3889	261	7	,	,	PUNCT
fsr-3889	261	8	87–99	87–99	NUM
fsr-3889	261	9	.	.	PUNCT
fsr-3889	261	10	shaw	shaw	PROPN
fsr-3889	261	11	,	,	PUNCT
fsr-3889	261	12	k.	k.	PROPN
fsr-3889	261	13	(	(	PUNCT
fsr-3889	261	14	1996	1996	NUM
fsr-3889	261	15	)	)	PUNCT
fsr-3889	261	16	.	.	PUNCT
fsr-3889	262	1	an	an	DET
fsr-3889	262	2	empirical	empirical	ADJ
fsr-3889	262	3	analysis	analysis	NOUN
fsr-3889	262	4	of	of	ADP
fsr-3889	262	5	risk	risk	NOUN
fsr-3889	262	6	aversion	aversion	NOUN
fsr-3889	262	7	and	and	CCONJ
fsr-3889	262	8	income	income	NOUN
fsr-3889	262	9	growth.journal	growth.journal	PROPN
fsr-3889	262	10	of	of	ADP
fsr-3889	262	11	labor	labor	NOUN
fsr-3889	262	12	economics	economic	NOUN
fsr-3889	262	13	,	,	PUNCT
fsr-3889	262	14	14(4	14(4	NUM
fsr-3889	262	15	)	)	PUNCT
fsr-3889	262	16	,	,	PUNCT
fsr-3889	262	17	626–653	626–653	NUM
fsr-3889	262	18	.	.	PUNCT
fsr-3889	263	1	siegel	siegel	PROPN
fsr-3889	263	2	,	,	PUNCT
fsr-3889	263	3	j.	j.	PROPN
fsr-3889	263	4	j.	j.	PROPN
fsr-3889	263	5	(	(	PUNCT
fsr-3889	263	6	1994).stocks	1994).stocks	NUM
fsr-3889	263	7	for	for	ADP
fsr-3889	263	8	the	the	DET
fsr-3889	263	9	long	long	ADJ
fsr-3889	263	10	run	run	NOUN
fsr-3889	263	11	:	:	PUNCT
fsr-3889	263	12	a	a	DET
fsr-3889	263	13	guide	guide	NOUN
fsr-3889	263	14	to	to	ADP
fsr-3889	263	15	selecting	select	VERB
fsr-3889	263	16	markets	market	NOUN
fsr-3889	263	17	for	for	ADP
fsr-3889	263	18	long	long	ADJ
fsr-3889	263	19	-	-	PUNCT
fsr-3889	263	20	term	term	NOUN
fsr-3889	263	21	growth	growth	NOUN
fsr-3889	263	22	.	.	PUNCT
fsr-3889	264	1	burr	burr	PROPN
fsr-3889	264	2	ridge	ridge	PROPN
fsr-3889	264	3	,	,	PUNCT
fsr-3889	264	4	il	il	PROPN
fsr-3889	264	5	:	:	PUNCT
fsr-3889	264	6	irwin	irwin	PROPN
fsr-3889	264	7	professional	professional	PROPN
fsr-3889	264	8	.	.	PUNCT
fsr-3889	265	1	yuh	yuh	PROPN
fsr-3889	265	2	,	,	PUNCT
fsr-3889	265	3	y.	y.	PROPN
fsr-3889	265	4	&	&	CCONJ
fsr-3889	265	5	devaney	devaney	PROPN
fsr-3889	265	6	,	,	PUNCT
fsr-3889	265	7	s.	s.	PROPN
fsr-3889	265	8	(	(	PUNCT
fsr-3889	265	9	1996	1996	NUM
fsr-3889	265	10	)	)	PUNCT
fsr-3889	265	11	.	.	PUNCT
fsr-3889	266	1	determinants	determinant	NOUN
fsr-3889	266	2	of	of	ADP
fsr-3889	266	3	couple	couple	NOUN
fsr-3889	266	4	’s	’s	PART
fsr-3889	266	5	defined	define	VERB
fsr-3889	266	6	contribution	contribution	NOUN
fsr-3889	266	7	retirement	retirement	NOUN
fsr-3889	266	8	funds.financial	funds.financial	PROPN
fsr-3889	266	9	counseling	counseling	NOUN
fsr-3889	266	10	and	and	CCONJ
fsr-3889	266	11	planning	planning	NOUN
fsr-3889	266	12	,	,	PUNCT
fsr-3889	266	13	7,31–38	7,31–38	X
fsr-3889	266	14	.	.	PUNCT
fsr-3889	267	1	yuh	yuh	PROPN
fsr-3889	267	2	,	,	PUNCT
fsr-3889	267	3	y.	y.	PROPN
fsr-3889	267	4	&	&	CCONJ
fsr-3889	267	5	hanna	hanna	PROPN
fsr-3889	267	6	,	,	PUNCT
fsr-3889	267	7	s.	s.	PROPN
fsr-3889	267	8	(	(	PUNCT
fsr-3889	267	9	1997	1997	NUM
fsr-3889	267	10	)	)	PUNCT
fsr-3889	267	11	.	.	PUNCT
fsr-3889	268	1	the	the	DET
fsr-3889	268	2	demand	demand	NOUN
fsr-3889	268	3	for	for	ADP
fsr-3889	268	4	risky	risky	ADJ
fsr-3889	268	5	assets	asset	NOUN
fsr-3889	268	6	in	in	ADP
fsr-3889	268	7	retirement	retirement	NOUN
fsr-3889	268	8	portfolios.presented	portfolios.presente	VERB
fsr-3889	268	9	at	at	ADP
fsr-3889	268	10	the	the	DET
fsr-3889	268	11	annual	annual	ADJ
fsr-3889	268	12	meeting	meeting	NOUN
fsr-3889	268	13	of	of	ADP
fsr-3889	268	14	the	the	DET
fsr-3889	268	15	academy	academy	NOUN
fsr-3889	268	16	of	of	ADP
fsr-3889	268	17	financial	financial	ADJ
fsr-3889	268	18	services	service	NOUN
fsr-3889	268	19	.	.	PUNCT
fsr-3889	269	1	zhong	zhong	PROPN
fsr-3889	269	2	,	,	PUNCT
fsr-3889	269	3	l.	l.	PROPN
fsr-3889	269	4	&	&	CCONJ
fsr-3889	269	5	xiao	xiao	PROPN
fsr-3889	269	6	,	,	PUNCT
fsr-3889	269	7	j.	j.	PROPN
fsr-3889	269	8	(	(	PUNCT
fsr-3889	269	9	1995	1995	NUM
fsr-3889	269	10	)	)	PUNCT
fsr-3889	269	11	.	.	PUNCT
fsr-3889	270	1	determinants	determinant	NOUN
fsr-3889	270	2	of	of	ADP
fsr-3889	270	3	family	family	NOUN
fsr-3889	270	4	bond	bond	NOUN
fsr-3889	270	5	and	and	CCONJ
fsr-3889	270	6	stock	stock	NOUN
fsr-3889	270	7	holdings.financial	holdings.financial	ADJ
fsr-3889	270	8	counseling	counseling	NOUN
fsr-3889	270	9	and	and	CCONJ
fsr-3889	270	10	planning	planning	NOUN
fsr-3889	270	11	,	,	PUNCT
fsr-3889	270	12	6,107–114	6,107–114	NUM
fsr-3889	270	13	.	.	PUNCT
fsr-3889	271	1	162	162	NUM
fsr-3889	271	2	m.s	m.s	PROPN
fsr-3889	271	3	.	.	PUNCT
fsr-3889	271	4	gutter	gutter	NOUN
fsr-3889	271	5	/	/	SYM
fsr-3889	271	6	financial	financial	ADJ
fsr-3889	271	7	services	service	NOUN
fsr-3889	271	8	review	review	VERB
fsr-3889	271	9	8	8	NUM
fsr-3889	271	10	(	(	PUNCT
fsr-3889	271	11	1999	1999	NUM
fsr-3889	271	12	)	)	PUNCT
fsr-3889	271	13	149–162	149–162	NUM