id	sid	tid	token	lemma	pos
fsr-3890	1	1	pii	pii	PROPN
fsr-3890	1	2	:	:	PUNCT
fsr-3890	1	3	s1057	s1057	NOUN
fsr-3890	1	4	-	-	PUNCT
fsr-3890	1	5	0810(99)00041	0810(99)00041	NUM
fsr-3890	1	6	-	-	PUNCT
fsr-3890	1	7	4	4	NUM
fsr-3890	1	8	financial	financial	ADJ
fsr-3890	1	9	risk	risk	NOUN
fsr-3890	1	10	tolerance	tolerance	NOUN
fsr-3890	1	11	revisited	revisit	VERB
fsr-3890	1	12	:	:	PUNCT
fsr-3890	1	13	the	the	DET
fsr-3890	1	14	development	development	NOUN
fsr-3890	1	15	of	of	ADP
fsr-3890	1	16	a	a	DET
fsr-3890	1	17	risk	risk	NOUN
fsr-3890	1	18	assessment	assessment	NOUN
fsr-3890	1	19	instrument	instrument	NOUN
fsr-3890	1	20	<	<	X
fsr-3890	1	21	john	john	PROPN
fsr-3890	1	22	grable	grable	PROPN
fsr-3890	1	23	,	,	PUNCT
fsr-3890	1	24	a	a	PRON
fsr-3890	1	25	,	,	PUNCT
fsr-3890	1	26	*	*	ADJ
fsr-3890	1	27	,	,	PUNCT
fsr-3890	1	28	ruth	ruth	PROPN
fsr-3890	1	29	h.	h.	PROPN
fsr-3890	1	30	lytton	lytton	PROPN
fsr-3890	1	31	,	,	PUNCT
fsr-3890	1	32	b	b	PROPN
fsr-3890	1	33	akansas	akansas	PROPN
fsr-3890	1	34	state	state	PROPN
fsr-3890	1	35	university	university	NOUN
fsr-3890	1	36	,	,	PUNCT
fsr-3890	1	37	318	318	NUM
fsr-3890	1	38	justin	justin	PROPN
fsr-3890	1	39	hall	hall	PROPN
fsr-3890	1	40	,	,	PUNCT
fsr-3890	1	41	manhattan	manhattan	PROPN
fsr-3890	1	42	,	,	PUNCT
fsr-3890	1	43	ks	ks	PROPN
fsr-3890	1	44	66506	66506	NUM
fsr-3890	1	45	,	,	PUNCT
fsr-3890	1	46	usa	usa	PROPN
fsr-3890	1	47	bvirginia	bvirginia	PROPN
fsr-3890	1	48	tech	tech	PROPN
fsr-3890	1	49	,	,	PUNCT
fsr-3890	1	50	101	101	NUM
fsr-3890	1	51	wallace	wallace	PROPN
fsr-3890	1	52	hall	hall	PROPN
fsr-3890	1	53	,	,	PUNCT
fsr-3890	1	54	blacksburg	blacksburg	PROPN
fsr-3890	1	55	,	,	PUNCT
fsr-3890	1	56	va	va	PROPN
fsr-3890	1	57	24061	24061	NUM
fsr-3890	1	58	,	,	PUNCT
fsr-3890	1	59	usa	usa	PROPN
fsr-3890	1	60	received	receive	VERB
fsr-3890	1	61	8	8	NUM
fsr-3890	1	62	january	january	NOUN
fsr-3890	1	63	1999	1999	NUM
fsr-3890	1	64	;	;	PUNCT
fsr-3890	1	65	received	receive	VERB
fsr-3890	1	66	in	in	ADP
fsr-3890	1	67	revised	revise	VERB
fsr-3890	1	68	form	form	NOUN
fsr-3890	1	69	30	30	NUM
fsr-3890	1	70	august	august	PROPN
fsr-3890	1	71	1999	1999	NUM
fsr-3890	1	72	;	;	PUNCT
fsr-3890	1	73	accepted	accept	VERB
fsr-3890	1	74	20	20	NUM
fsr-3890	1	75	october	october	PROPN
fsr-3890	1	76	1999	1999	NUM
fsr-3890	1	77	abstract	abstract	NOUN
fsr-3890	1	78	this	this	DET
fsr-3890	1	79	paper	paper	NOUN
fsr-3890	1	80	explores	explore	NOUN
fsr-3890	1	81	conceptual	conceptual	ADJ
fsr-3890	1	82	,	,	PUNCT
fsr-3890	1	83	methodological	methodological	ADJ
fsr-3890	1	84	,	,	PUNCT
fsr-3890	1	85	and	and	CCONJ
fsr-3890	1	86	empirical	empirical	ADJ
fsr-3890	1	87	issues	issue	NOUN
fsr-3890	1	88	related	relate	VERB
fsr-3890	1	89	to	to	ADP
fsr-3890	1	90	the	the	DET
fsr-3890	1	91	development	development	NOUN
fsr-3890	1	92	of	of	ADP
fsr-3890	1	93	a	a	DET
fsr-3890	1	94	financial	financial	ADJ
fsr-3890	1	95	risk	risk	NOUN
fsr-3890	1	96	-	-	PUNCT
fsr-3890	1	97	tolerance	tolerance	NOUN
fsr-3890	1	98	assessment	assessment	NOUN
fsr-3890	1	99	instrument	instrument	NOUN
fsr-3890	1	100	.	.	PUNCT
fsr-3890	2	1	financial	financial	ADJ
fsr-3890	2	2	risk	risk	NOUN
fsr-3890	2	3	tolerance	tolerance	NOUN
fsr-3890	2	4	is	be	AUX
fsr-3890	2	5	a	a	DET
fsr-3890	2	6	significant	significant	ADJ
fsr-3890	2	7	factor	factor	NOUN
fsr-3890	2	8	in	in	ADP
fsr-3890	2	9	a	a	DET
fsr-3890	2	10	number	number	NOUN
fsr-3890	2	11	of	of	ADP
fsr-3890	2	12	household	household	NOUN
fsr-3890	2	13	financial	financial	ADJ
fsr-3890	2	14	decisions	decision	NOUN
fsr-3890	2	15	,	,	PUNCT
fsr-3890	2	16	yet	yet	CCONJ
fsr-3890	2	17	few	few	ADJ
fsr-3890	2	18	recognized	recognize	VERB
fsr-3890	2	19	,	,	PUNCT
fsr-3890	2	20	valid	valid	ADJ
fsr-3890	2	21	,	,	PUNCT
fsr-3890	2	22	and	and	CCONJ
fsr-3890	2	23	reliable	reliable	ADJ
fsr-3890	2	24	methods	method	NOUN
fsr-3890	2	25	of	of	ADP
fsr-3890	2	26	assessment	assessment	NOUN
fsr-3890	2	27	are	be	AUX
fsr-3890	2	28	available	available	ADJ
fsr-3890	2	29	for	for	ADP
fsr-3890	2	30	use	use	NOUN
fsr-3890	2	31	by	by	ADP
fsr-3890	2	32	financial	financial	ADJ
fsr-3890	2	33	service	service	NOUN
fsr-3890	2	34	providers	provider	NOUN
fsr-3890	2	35	and	and	CCONJ
fsr-3890	2	36	educators	educator	NOUN
fsr-3890	2	37	.	.	PUNCT
fsr-3890	3	1	empirical	empirical	ADJ
fsr-3890	3	2	results	result	NOUN
fsr-3890	3	3	from	from	ADP
fsr-3890	3	4	a	a	DET
fsr-3890	3	5	multistage	multistage	NOUN
fsr-3890	3	6	development	development	NOUN
fsr-3890	3	7	of	of	ADP
fsr-3890	3	8	a	a	DET
fsr-3890	3	9	13	13	NUM
fsr-3890	3	10	-	-	PUNCT
fsr-3890	3	11	item	item	NOUN
fsr-3890	3	12	risk	risk	NOUN
fsr-3890	3	13	assessment	assessment	NOUN
fsr-3890	3	14	instrument	instrument	NOUN
fsr-3890	3	15	are	be	AUX
fsr-3890	3	16	discussed	discuss	VERB
fsr-3890	3	17	.	.	PUNCT
fsr-3890	4	1	the	the	DET
fsr-3890	4	2	multidimensional	multidimensional	ADJ
fsr-3890	4	3	instrument	instrument	NOUN
fsr-3890	4	4	is	be	AUX
fsr-3890	4	5	presented	present	VERB
fsr-3890	4	6	as	as	ADP
fsr-3890	4	7	the	the	DET
fsr-3890	4	8	foundation	foundation	NOUN
fsr-3890	4	9	for	for	ADP
fsr-3890	4	10	the	the	DET
fsr-3890	4	11	development	development	NOUN
fsr-3890	4	12	of	of	ADP
fsr-3890	4	13	a	a	DET
fsr-3890	4	14	more	more	ADV
fsr-3890	4	15	widely	widely	ADV
fsr-3890	4	16	used	use	VERB
fsr-3890	4	17	and	and	CCONJ
fsr-3890	4	18	accepted	accept	VERB
fsr-3890	4	19	index	index	NOUN
fsr-3890	4	20	.	.	PUNCT
fsr-3890	5	1	future	future	ADJ
fsr-3890	5	2	use	use	NOUN
fsr-3890	5	3	by	by	ADP
fsr-3890	5	4	practitioners	practitioner	NOUN
fsr-3890	5	5	and	and	CCONJ
fsr-3890	5	6	researchers	researcher	NOUN
fsr-3890	5	7	is	be	AUX
fsr-3890	5	8	encouraged	encourage	VERB
fsr-3890	5	9	to	to	PART
fsr-3890	5	10	further	far	ADV
fsr-3890	5	11	validate	validate	VERB
fsr-3890	5	12	the	the	DET
fsr-3890	5	13	usefulness	usefulness	NOUN
fsr-3890	5	14	of	of	ADP
fsr-3890	5	15	the	the	DET
fsr-3890	5	16	instrument	instrument	NOUN
fsr-3890	5	17	.	.	PUNCT
fsr-3890	6	1	©	©	PROPN
fsr-3890	6	2	2000	2000	NUM
fsr-3890	6	3	elsevier	elsevier	PROPN
fsr-3890	6	4	science	science	PROPN
fsr-3890	6	5	inc	inc	PROPN
fsr-3890	6	6	.	.	PUNCT
fsr-3890	7	1	all	all	DET
fsr-3890	7	2	rights	right	NOUN
fsr-3890	7	3	reserved	reserve	VERB
fsr-3890	7	4	.	.	PUNCT
fsr-3890	8	1	jel	jel	PROPN
fsr-3890	8	2	classification	classification	NOUN
fsr-3890	8	3	:	:	PUNCT
fsr-3890	8	4	d81	d81	NOUN
fsr-3890	8	5	keywords	keyword	NOUN
fsr-3890	8	6	:	:	PUNCT
fsr-3890	8	7	risk	risk	NOUN
fsr-3890	8	8	tolerance	tolerance	NOUN
fsr-3890	8	9	;	;	PUNCT
fsr-3890	8	10	risk	risk	NOUN
fsr-3890	8	11	assessment	assessment	NOUN
fsr-3890	8	12	;	;	PUNCT
fsr-3890	8	13	heuristics	heuristic	NOUN
fsr-3890	8	14	1	1	NUM
fsr-3890	8	15	.	.	PUNCT
fsr-3890	9	1	introduction	introduction	NOUN
fsr-3890	9	2	whether	whether	SCONJ
fsr-3890	9	3	measured	measure	VERB
fsr-3890	9	4	for	for	ADP
fsr-3890	9	5	the	the	DET
fsr-3890	9	6	purpose	purpose	NOUN
fsr-3890	9	7	of	of	ADP
fsr-3890	9	8	self	self	NOUN
fsr-3890	9	9	-	-	PUNCT
fsr-3890	9	10	assessment	assessment	NOUN
fsr-3890	9	11	or	or	CCONJ
fsr-3890	9	12	for	for	ADP
fsr-3890	9	13	documentation	documentation	NOUN
fsr-3890	9	14	of	of	ADP
fsr-3890	9	15	investment	investment	NOUN
fsr-3890	9	16	suitability	suitability	NOUN
fsr-3890	9	17	,	,	PUNCT
fsr-3890	9	18	financial	financial	ADJ
fsr-3890	9	19	risk	risk	NOUN
fsr-3890	9	20	tolerance	tolerance	NOUN
fsr-3890	9	21	is	be	AUX
fsr-3890	9	22	assumed	assume	VERB
fsr-3890	9	23	to	to	PART
fsr-3890	9	24	be	be	AUX
fsr-3890	9	25	a	a	DET
fsr-3890	9	26	fundamental	fundamental	ADJ
fsr-3890	9	27	issue	issue	NOUN
fsr-3890	9	28	underlying	underlie	VERB
fsr-3890	9	29	a	a	DET
fsr-3890	9	30	number	number	NOUN
fsr-3890	9	31	of	of	ADP
fsr-3890	9	32	financial	financial	ADJ
fsr-3890	9	33	decisions	decision	NOUN
fsr-3890	9	34	.	.	PUNCT
fsr-3890	10	1	for	for	ADP
fsr-3890	10	2	this	this	DET
fsr-3890	10	3	reason	reason	NOUN
fsr-3890	10	4	,	,	PUNCT
fsr-3890	10	5	researchers	researcher	NOUN
fsr-3890	10	6	have	have	AUX
fsr-3890	10	7	long	long	ADV
fsr-3890	10	8	been	be	AUX
fsr-3890	10	9	interested	interested	ADJ
fsr-3890	10	10	in	in	ADP
fsr-3890	10	11	understanding	understand	VERB
fsr-3890	10	12	<	<	X
fsr-3890	10	13	support	support	NOUN
fsr-3890	10	14	for	for	ADP
fsr-3890	10	15	this	this	DET
fsr-3890	10	16	research	research	NOUN
fsr-3890	10	17	was	be	AUX
fsr-3890	10	18	provided	provide	VERB
fsr-3890	10	19	by	by	ADP
fsr-3890	10	20	the	the	DET
fsr-3890	10	21	certified	certify	VERB
fsr-3890	10	22	financial	financial	ADJ
fsr-3890	10	23	planner	planner	NOUN
fsr-3890	10	24	board	board	NOUN
fsr-3890	10	25	of	of	ADP
fsr-3890	10	26	standards	standard	NOUN
fsr-3890	10	27	.	.	PUNCT
fsr-3890	11	1	*	*	PUNCT
fsr-3890	11	2	corresponding	correspond	VERB
fsr-3890	11	3	author	author	NOUN
fsr-3890	11	4	.	.	PUNCT
fsr-3890	12	1	tel.:11	tel.:11	PROPN
fsr-3890	12	2	-	-	PUNCT
fsr-3890	12	3	785	785	NUM
fsr-3890	12	4	-	-	PUNCT
fsr-3890	12	5	532	532	NUM
fsr-3890	12	6	-	-	NUM
fsr-3890	12	7	1486	1486	NUM
fsr-3890	12	8	;	;	PUNCT
fsr-3890	13	1	fax:11	fax:11	NOUN
fsr-3890	13	2	-	-	PUNCT
fsr-3890	13	3	785	785	NUM
fsr-3890	13	4	-	-	PUNCT
fsr-3890	13	5	532	532	NUM
fsr-3890	13	6	-	-	SYM
fsr-3890	13	7	5505	5505	NUM
fsr-3890	13	8	.	.	PUNCT
fsr-3890	14	1	e	e	X
fsr-3890	14	2	-	-	NOUN
fsr-3890	14	3	mail	mail	NOUN
fsr-3890	14	4	address:grable@humec.ksu.edu	address:grable@humec.ksu.edu	PROPN
fsr-3890	14	5	(	(	PUNCT
fsr-3890	14	6	j.	j.	PROPN
fsr-3890	14	7	grable	grable	PROPN
fsr-3890	14	8	)	)	PUNCT
fsr-3890	14	9	financial	financial	ADJ
fsr-3890	14	10	services	service	NOUN
fsr-3890	14	11	review	review	VERB
fsr-3890	14	12	8	8	NUM
fsr-3890	14	13	(	(	PUNCT
fsr-3890	14	14	1999	1999	NUM
fsr-3890	14	15	)	)	PUNCT
fsr-3890	14	16	163–181	163–181	NUM
fsr-3890	14	17	1057	1057	NUM
fsr-3890	14	18	-	-	SYM
fsr-3890	14	19	0810/00/$	0810/00/$	NUM
fsr-3890	14	20	–	–	PUNCT
fsr-3890	14	21	see	see	VERB
fsr-3890	14	22	front	front	ADJ
fsr-3890	14	23	matter	matter	NOUN
fsr-3890	14	24	©	©	PROPN
fsr-3890	14	25	2000	2000	NUM
fsr-3890	14	26	elsevier	elsevier	PROPN
fsr-3890	14	27	science	science	PROPN
fsr-3890	14	28	inc	inc	PROPN
fsr-3890	14	29	.	.	PUNCT
fsr-3890	15	1	all	all	DET
fsr-3890	15	2	rights	right	NOUN
fsr-3890	15	3	reserved	reserve	VERB
fsr-3890	15	4	.	.	PUNCT
fsr-3890	16	1	pii	pii	NOUN
fsr-3890	16	2	:	:	PUNCT
fsr-3890	16	3	s1057	s1057	NOUN
fsr-3890	16	4	-	-	PUNCT
fsr-3890	16	5	0810(00)00041	0810(00)00041	NOUN
fsr-3890	16	6	-	-	PUNCT
fsr-3890	16	7	4	4	NUM
fsr-3890	16	8	the	the	DET
fsr-3890	16	9	relationship	relationship	NOUN
fsr-3890	16	10	between	between	ADP
fsr-3890	16	11	personal	personal	ADJ
fsr-3890	16	12	financial	financial	ADJ
fsr-3890	16	13	risk	risk	NOUN
fsr-3890	16	14	tolerance	tolerance	NOUN
fsr-3890	16	15	and	and	CCONJ
fsr-3890	16	16	factors	factor	NOUN
fsr-3890	16	17	as	as	ADV
fsr-3890	16	18	diverse	diverse	ADJ
fsr-3890	16	19	as	as	ADP
fsr-3890	16	20	the	the	DET
fsr-3890	16	21	life	life	NOUN
fsr-3890	16	22	cycle	cycle	NOUN
fsr-3890	16	23	and	and	CCONJ
fsr-3890	16	24	asset	asset	NOUN
fsr-3890	16	25	allocation	allocation	NOUN
fsr-3890	16	26	choice	choice	NOUN
fsr-3890	16	27	decisions	decision	NOUN
fsr-3890	16	28	.	.	PUNCT
fsr-3890	17	1	unfortunately	unfortunately	ADV
fsr-3890	17	2	,	,	PUNCT
fsr-3890	17	3	according	accord	VERB
fsr-3890	17	4	to	to	ADP
fsr-3890	17	5	droms	droms	PROPN
fsr-3890	17	6	(	(	PUNCT
fsr-3890	17	7	1988	1988	NUM
fsr-3890	17	8	)	)	PUNCT
fsr-3890	17	9	,	,	PUNCT
fsr-3890	17	10	maccrimmon	maccrimmon	NOUN
fsr-3890	17	11	and	and	CCONJ
fsr-3890	17	12	wehrung	wehrung	PROPN
fsr-3890	17	13	(	(	PUNCT
fsr-3890	17	14	1986	1986	NUM
fsr-3890	17	15	)	)	PUNCT
fsr-3890	17	16	,	,	PUNCT
fsr-3890	17	17	roszkowski	roszkowski	NOUN
fsr-3890	17	18	(	(	PUNCT
fsr-3890	17	19	1995	1995	NUM
fsr-3890	17	20	)	)	PUNCT
fsr-3890	17	21	,	,	PUNCT
fsr-3890	17	22	and	and	CCONJ
fsr-3890	17	23	roszkowski	roszkowski	PROPN
fsr-3890	17	24	,	,	PUNCT
fsr-3890	17	25	snelbecker	snelbecker	NOUN
fsr-3890	17	26	,	,	PUNCT
fsr-3890	17	27	and	and	CCONJ
fsr-3890	17	28	leimberg	leimberg	PROPN
fsr-3890	17	29	(	(	PUNCT
fsr-3890	17	30	1993	1993	NUM
fsr-3890	17	31	)	)	PUNCT
fsr-3890	17	32	,	,	PUNCT
fsr-3890	17	33	there	there	PRON
fsr-3890	17	34	are	be	VERB
fsr-3890	17	35	few	few	ADJ
fsr-3890	17	36	,	,	PUNCT
fsr-3890	17	37	if	if	SCONJ
fsr-3890	17	38	any	any	PRON
fsr-3890	17	39	,	,	PUNCT
fsr-3890	17	40	generally	generally	ADV
fsr-3890	17	41	recognized	recognize	VERB
fsr-3890	17	42	measures	measure	NOUN
fsr-3890	17	43	or	or	CCONJ
fsr-3890	17	44	instruments	instrument	NOUN
fsr-3890	17	45	designed	design	VERB
fsr-3890	17	46	to	to	PART
fsr-3890	17	47	ascertain	ascertain	VERB
fsr-3890	17	48	someone	someone	PRON
fsr-3890	17	49	’s	’s	PART
fsr-3890	17	50	financial	financial	ADJ
fsr-3890	17	51	risk	risk	NOUN
fsr-3890	17	52	tolerance	tolerance	NOUN
fsr-3890	17	53	or	or	CCONJ
fsr-3890	17	54	preference	preference	NOUN
fsr-3890	17	55	.	.	PUNCT
fsr-3890	18	1	according	accord	VERB
fsr-3890	18	2	to	to	AUX
fsr-3890	18	3	roszkowski	roszkowski	PROPN
fsr-3890	18	4	et	et	PROPN
fsr-3890	18	5	al	al	PROPN
fsr-3890	18	6	.	.	PUNCT
fsr-3890	19	1	“	"	PUNCT
fsr-3890	19	2	most	most	ADJ
fsr-3890	19	3	existing	exist	VERB
fsr-3890	19	4	devices	device	NOUN
fsr-3890	19	5	appear	appear	VERB
fsr-3890	19	6	to	to	PART
fsr-3890	19	7	have	have	AUX
fsr-3890	19	8	been	be	AUX
fsr-3890	19	9	created	create	VERB
fsr-3890	19	10	by	by	ADP
fsr-3890	19	11	various	various	ADJ
fsr-3890	19	12	financial	financial	ADJ
fsr-3890	19	13	planning	planning	NOUN
fsr-3890	19	14	concerns	concern	NOUN
fsr-3890	19	15	for	for	ADP
fsr-3890	19	16	their	their	PRON
fsr-3890	19	17	local	local	ADJ
fsr-3890	19	18	‘	'	PUNCT
fsr-3890	19	19	in	in	ADP
fsr-3890	19	20	-	-	PUNCT
fsr-3890	19	21	house	house	NOUN
fsr-3890	19	22	’	'	PUNCT
fsr-3890	19	23	use	use	NOUN
fsr-3890	19	24	or	or	CCONJ
fsr-3890	19	25	are	be	AUX
fsr-3890	19	26	adaptations	adaptation	NOUN
fsr-3890	19	27	of	of	ADP
fsr-3890	19	28	techniques	technique	NOUN
fsr-3890	19	29	that	that	PRON
fsr-3890	19	30	were	be	AUX
fsr-3890	19	31	meant	mean	VERB
fsr-3890	19	32	for	for	ADP
fsr-3890	19	33	use	use	NOUN
fsr-3890	19	34	in	in	ADP
fsr-3890	19	35	scientific	scientific	ADJ
fsr-3890	19	36	studies	study	NOUN
fsr-3890	19	37	.	.	PUNCT
fsr-3890	19	38	.	.	PUNCT
fsr-3890	19	39	.	.	PUNCT
fsr-3890	20	1	no	no	DET
fsr-3890	20	2	one	one	NUM
fsr-3890	20	3	measure	measure	NOUN
fsr-3890	20	4	has	have	AUX
fsr-3890	20	5	yet	yet	ADV
fsr-3890	20	6	emerged	emerge	VERB
fsr-3890	20	7	as	as	ADP
fsr-3890	20	8	the	the	DET
fsr-3890	20	9	standard	standard	NOUN
fsr-3890	20	10	by	by	ADP
fsr-3890	20	11	which	which	PRON
fsr-3890	20	12	the	the	DET
fsr-3890	20	13	others	other	NOUN
fsr-3890	20	14	can	can	AUX
fsr-3890	20	15	be	be	AUX
fsr-3890	20	16	evaluated	evaluate	VERB
fsr-3890	20	17	”	"	PUNCT
fsr-3890	20	18	(	(	PUNCT
fsr-3890	20	19	roszkowski	roszkowski	NOUN
fsr-3890	20	20	et	et	PROPN
fsr-3890	20	21	al	al	PROPN
fsr-3890	20	22	.	.	PROPN
fsr-3890	20	23	,	,	PUNCT
fsr-3890	20	24	1993	1993	NUM
fsr-3890	20	25	,	,	PUNCT
fsr-3890	20	26	p.	p.	NOUN
fsr-3890	20	27	230	230	NUM
fsr-3890	20	28	)	)	PUNCT
fsr-3890	20	29	.	.	PUNCT
fsr-3890	21	1	the	the	DET
fsr-3890	21	2	need	need	NOUN
fsr-3890	21	3	for	for	ADP
fsr-3890	21	4	a	a	DET
fsr-3890	21	5	widely	widely	ADV
fsr-3890	21	6	accepted	accept	VERB
fsr-3890	21	7	and	and	CCONJ
fsr-3890	21	8	commonly	commonly	ADV
fsr-3890	21	9	used	use	VERB
fsr-3890	21	10	instrument	instrument	NOUN
fsr-3890	21	11	is	be	AUX
fsr-3890	21	12	as	as	ADV
fsr-3890	21	13	great	great	ADJ
fsr-3890	21	14	today	today	NOUN
fsr-3890	21	15	as	as	ADP
fsr-3890	21	16	any	any	DET
fsr-3890	21	17	time	time	NOUN
fsr-3890	21	18	in	in	ADP
fsr-3890	21	19	the	the	DET
fsr-3890	21	20	past	past	NOUN
fsr-3890	21	21	.	.	PUNCT
fsr-3890	22	1	without	without	ADP
fsr-3890	22	2	such	such	DET
fsr-3890	22	3	an	an	DET
fsr-3890	22	4	instrument	instrument	ADJ
fsr-3890	22	5	financial	financial	ADJ
fsr-3890	22	6	service	service	NOUN
fsr-3890	22	7	providers	provider	NOUN
fsr-3890	22	8	and	and	CCONJ
fsr-3890	22	9	researchers	researcher	NOUN
fsr-3890	22	10	have	have	AUX
fsr-3890	22	11	been	be	AUX
fsr-3890	22	12	forced	force	VERB
fsr-3890	22	13	to	to	PART
fsr-3890	22	14	use	use	VERB
fsr-3890	22	15	other	other	ADJ
fsr-3890	22	16	assessment	assessment	NOUN
fsr-3890	22	17	techniques	technique	NOUN
fsr-3890	22	18	that	that	PRON
fsr-3890	22	19	may	may	AUX
fsr-3890	22	20	not	not	PART
fsr-3890	22	21	adequately	adequately	ADV
fsr-3890	22	22	measure	measure	VERB
fsr-3890	22	23	the	the	DET
fsr-3890	22	24	underlying	underlie	VERB
fsr-3890	22	25	construct	construct	NOUN
fsr-3890	22	26	of	of	ADP
fsr-3890	22	27	financial	financial	ADJ
fsr-3890	22	28	risk	risk	NOUN
fsr-3890	22	29	tolerance	tolerance	NOUN
fsr-3890	22	30	.	.	PUNCT
fsr-3890	23	1	furthermore	furthermore	ADV
fsr-3890	23	2	,	,	PUNCT
fsr-3890	23	3	according	accord	VERB
fsr-3890	23	4	to	to	ADP
fsr-3890	23	5	risk	risk	NOUN
fsr-3890	23	6	-	-	PUNCT
fsr-3890	23	7	tolerance	tolerance	NOUN
fsr-3890	23	8	researchers	researcher	NOUN
fsr-3890	23	9	(	(	PUNCT
fsr-3890	23	10	e.g.	e.g.	ADV
fsr-3890	23	11	,	,	PUNCT
fsr-3890	23	12	droms	drom	NOUN
fsr-3890	23	13	,	,	PUNCT
fsr-3890	23	14	1988	1988	NUM
fsr-3890	23	15	)	)	PUNCT
fsr-3890	23	16	and	and	CCONJ
fsr-3890	23	17	financial	financial	ADJ
fsr-3890	23	18	planning	planning	NOUN
fsr-3890	23	19	practitioners	practitioner	NOUN
fsr-3890	23	20	(	(	PUNCT
fsr-3890	23	21	e.g.	e.g.	ADV
fsr-3890	23	22	,	,	PUNCT
fsr-3890	23	23	opiela	opiela	ADV
fsr-3890	23	24	,	,	PUNCT
fsr-3890	23	25	1996	1996	NUM
fsr-3890	23	26	)	)	PUNCT
fsr-3890	23	27	,	,	PUNCT
fsr-3890	23	28	the	the	DET
fsr-3890	23	29	lack	lack	NOUN
fsr-3890	23	30	of	of	ADP
fsr-3890	23	31	a	a	DET
fsr-3890	23	32	widely	widely	ADV
fsr-3890	23	33	accepted	accept	VERB
fsr-3890	23	34	risk	risk	NOUN
fsr-3890	23	35	-	-	PUNCT
fsr-3890	23	36	assessment	assessment	NOUN
fsr-3890	23	37	instrument	instrument	NOUN
fsr-3890	23	38	has	have	AUX
fsr-3890	23	39	been	be	AUX
fsr-3890	23	40	an	an	DET
fsr-3890	23	41	ongoing	ongoing	ADJ
fsr-3890	23	42	problem	problem	NOUN
fsr-3890	23	43	slowing	slow	VERB
fsr-3890	23	44	the	the	DET
fsr-3890	23	45	pace	pace	NOUN
fsr-3890	23	46	of	of	ADP
fsr-3890	23	47	research	research	NOUN
fsr-3890	23	48	in	in	ADP
fsr-3890	23	49	the	the	DET
fsr-3890	23	50	area	area	NOUN
fsr-3890	23	51	of	of	ADP
fsr-3890	23	52	financial	financial	ADJ
fsr-3890	23	53	management	management	NOUN
fsr-3890	23	54	within	within	ADP
fsr-3890	23	55	the	the	DET
fsr-3890	23	56	larger	large	ADJ
fsr-3890	23	57	context	context	NOUN
fsr-3890	23	58	of	of	ADP
fsr-3890	23	59	personal	personal	ADJ
fsr-3890	23	60	financial	financial	ADJ
fsr-3890	23	61	planning	planning	NOUN
fsr-3890	23	62	and	and	CCONJ
fsr-3890	23	63	investment	investment	NOUN
fsr-3890	23	64	management	management	NOUN
fsr-3890	23	65	.	.	PUNCT
fsr-3890	24	1	the	the	DET
fsr-3890	24	2	purpose	purpose	NOUN
fsr-3890	24	3	of	of	ADP
fsr-3890	24	4	this	this	DET
fsr-3890	24	5	paper	paper	NOUN
fsr-3890	24	6	is	be	AUX
fsr-3890	24	7	to	to	PART
fsr-3890	24	8	present	present	VERB
fsr-3890	24	9	a	a	DET
fsr-3890	24	10	framework	framework	NOUN
fsr-3890	24	11	for	for	ADP
fsr-3890	24	12	the	the	DET
fsr-3890	24	13	development	development	NOUN
fsr-3890	24	14	of	of	ADP
fsr-3890	24	15	a	a	DET
fsr-3890	24	16	financial	financial	ADJ
fsr-3890	24	17	risk	risk	NOUN
fsr-3890	24	18	tolerance	tolerance	NOUN
fsr-3890	24	19	assessment	assessment	NOUN
fsr-3890	24	20	instrument	instrument	NOUN
fsr-3890	24	21	,	,	PUNCT
fsr-3890	24	22	and	and	CCONJ
fsr-3890	24	23	,	,	PUNCT
fsr-3890	24	24	based	base	VERB
fsr-3890	24	25	upon	upon	SCONJ
fsr-3890	24	26	this	this	DET
fsr-3890	24	27	framework	framework	NOUN
fsr-3890	24	28	,	,	PUNCT
fsr-3890	24	29	propose	propose	VERB
fsr-3890	24	30	a	a	DET
fsr-3890	24	31	financial	financial	ADJ
fsr-3890	24	32	risk	risk	NOUN
fsr-3890	24	33	-	-	PUNCT
fsr-3890	24	34	tolerance	tolerance	NOUN
fsr-3890	24	35	assessment	assessment	NOUN
fsr-3890	24	36	instrument	instrument	NOUN
fsr-3890	24	37	with	with	ADP
fsr-3890	24	38	corresponding	correspond	VERB
fsr-3890	24	39	reliability	reliability	NOUN
fsr-3890	24	40	and	and	CCONJ
fsr-3890	24	41	validity	validity	NOUN
fsr-3890	24	42	estimates	estimate	NOUN
fsr-3890	24	43	.	.	PUNCT
fsr-3890	25	1	the	the	DET
fsr-3890	25	2	concepts	concept	NOUN
fsr-3890	25	3	presented	present	VERB
fsr-3890	25	4	in	in	ADP
fsr-3890	25	5	this	this	DET
fsr-3890	25	6	paper	paper	NOUN
fsr-3890	25	7	are	be	AUX
fsr-3890	25	8	offered	offer	VERB
fsr-3890	25	9	with	with	ADP
fsr-3890	25	10	the	the	DET
fsr-3890	25	11	hope	hope	NOUN
fsr-3890	25	12	of	of	ADP
fsr-3890	25	13	moving	move	VERB
fsr-3890	25	14	the	the	DET
fsr-3890	25	15	financial	financial	ADJ
fsr-3890	25	16	service	service	NOUN
fsr-3890	25	17	profession	profession	NOUN
fsr-3890	25	18	closer	close	ADV
fsr-3890	25	19	to	to	ADP
fsr-3890	25	20	the	the	DET
fsr-3890	25	21	ultimate	ultimate	ADJ
fsr-3890	25	22	development	development	NOUN
fsr-3890	25	23	and	and	CCONJ
fsr-3890	25	24	adoption	adoption	NOUN
fsr-3890	25	25	of	of	ADP
fsr-3890	25	26	a	a	DET
fsr-3890	25	27	standardized	standardized	ADJ
fsr-3890	25	28	financial	financial	ADJ
fsr-3890	25	29	risk	risk	NOUN
fsr-3890	25	30	-	-	PUNCT
fsr-3890	25	31	tolerance	tolerance	NOUN
fsr-3890	25	32	assessment	assessment	NOUN
fsr-3890	25	33	instrument	instrument	NOUN
fsr-3890	25	34	.	.	PUNCT
fsr-3890	26	1	2	2	X
fsr-3890	26	2	.	.	X
fsr-3890	26	3	financial	financial	ADJ
fsr-3890	26	4	risk	risk	NOUN
fsr-3890	26	5	-	-	PUNCT
fsr-3890	26	6	tolerance	tolerance	NOUN
fsr-3890	26	7	assessment	assessment	NOUN
fsr-3890	26	8	:	:	PUNCT
fsr-3890	26	9	a	a	DET
fsr-3890	26	10	review	review	NOUN
fsr-3890	26	11	the	the	DET
fsr-3890	26	12	study	study	NOUN
fsr-3890	26	13	of	of	ADP
fsr-3890	26	14	risk	risk	NOUN
fsr-3890	26	15	has	have	AUX
fsr-3890	26	16	been	be	AUX
fsr-3890	26	17	of	of	ADP
fsr-3890	26	18	interest	interest	NOUN
fsr-3890	26	19	to	to	ADP
fsr-3890	26	20	investors	investor	NOUN
fsr-3890	26	21	and	and	CCONJ
fsr-3890	26	22	academics	academic	NOUN
fsr-3890	26	23	for	for	ADP
fsr-3890	26	24	hundreds	hundred	NOUN
fsr-3890	26	25	of	of	ADP
fsr-3890	26	26	years	year	NOUN
fsr-3890	26	27	(	(	PUNCT
fsr-3890	26	28	bernstein	bernstein	PROPN
fsr-3890	26	29	,	,	PUNCT
fsr-3890	26	30	1996	1996	NUM
fsr-3890	26	31	)	)	PUNCT
fsr-3890	26	32	;	;	PUNCT
fsr-3890	26	33	however	however	ADV
fsr-3890	26	34	,	,	PUNCT
fsr-3890	26	35	most	most	ADJ
fsr-3890	26	36	research	research	NOUN
fsr-3890	26	37	attempts	attempt	VERB
fsr-3890	26	38	to	to	PART
fsr-3890	26	39	understand	understand	VERB
fsr-3890	26	40	financial	financial	ADJ
fsr-3890	26	41	risk	risk	NOUN
fsr-3890	26	42	tolerance	tolerance	NOUN
fsr-3890	26	43	are	be	AUX
fsr-3890	26	44	relatively	relatively	ADV
fsr-3890	26	45	recent	recent	ADJ
fsr-3890	26	46	.	.	PUNCT
fsr-3890	27	1	over	over	ADP
fsr-3890	27	2	the	the	DET
fsr-3890	27	3	75	75	NUM
fsr-3890	27	4	years	year	NOUN
fsr-3890	27	5	of	of	ADP
fsr-3890	27	6	study	study	NOUN
fsr-3890	27	7	in	in	ADP
fsr-3890	27	8	the	the	DET
fsr-3890	27	9	united	united	PROPN
fsr-3890	27	10	states	states	PROPN
fsr-3890	27	11	,	,	PUNCT
fsr-3890	27	12	the	the	DET
fsr-3890	27	13	assessment	assessment	NOUN
fsr-3890	27	14	of	of	ADP
fsr-3890	27	15	financial	financial	ADJ
fsr-3890	27	16	risk	risk	NOUN
fsr-3890	27	17	tolerance	tolerance	NOUN
fsr-3890	27	18	has	have	AUX
fsr-3890	27	19	tended	tend	VERB
fsr-3890	27	20	to	to	PART
fsr-3890	27	21	revolve	revolve	VERB
fsr-3890	27	22	around	around	ADP
fsr-3890	27	23	five	five	NUM
fsr-3890	27	24	methodologies	methodology	NOUN
fsr-3890	27	25	:	:	PUNCT
fsr-3890	27	26	choice	choice	NOUN
fsr-3890	27	27	dilemmas	dilemma	NOUN
fsr-3890	27	28	,	,	PUNCT
fsr-3890	27	29	utility	utility	NOUN
fsr-3890	27	30	theory	theory	NOUN
fsr-3890	27	31	,	,	PUNCT
fsr-3890	27	32	objective	objective	ADJ
fsr-3890	27	33	measures	measure	NOUN
fsr-3890	27	34	,	,	PUNCT
fsr-3890	27	35	heuristic	heuristic	ADJ
fsr-3890	27	36	judgments	judgment	NOUN
fsr-3890	27	37	,	,	PUNCT
fsr-3890	27	38	and	and	CCONJ
fsr-3890	27	39	subjective	subjective	ADJ
fsr-3890	27	40	assessment	assessment	NOUN
fsr-3890	27	41	.	.	PUNCT
fsr-3890	28	1	the	the	DET
fsr-3890	28	2	following	follow	VERB
fsr-3890	28	3	discussion	discussion	NOUN
fsr-3890	28	4	briefly	briefly	ADV
fsr-3890	28	5	describes	describe	VERB
fsr-3890	28	6	these	these	DET
fsr-3890	28	7	methods	method	NOUN
fsr-3890	28	8	.	.	PUNCT
fsr-3890	29	1	choice	choice	NOUN
fsr-3890	29	2	dilemmas	dilemma	NOUN
fsr-3890	29	3	were	be	AUX
fsr-3890	29	4	a	a	DET
fsr-3890	29	5	popular	popular	ADJ
fsr-3890	29	6	method	method	NOUN
fsr-3890	29	7	of	of	ADP
fsr-3890	29	8	risk	risk	NOUN
fsr-3890	29	9	assessment	assessment	NOUN
fsr-3890	29	10	until	until	ADP
fsr-3890	29	11	the	the	DET
fsr-3890	29	12	mid-1970s	mid-1970	NOUN
fsr-3890	29	13	.	.	PUNCT
fsr-3890	30	1	basically	basically	ADV
fsr-3890	30	2	,	,	PUNCT
fsr-3890	30	3	choice	choice	NOUN
fsr-3890	30	4	dilemmas	dilemma	NOUN
fsr-3890	30	5	are	be	AUX
fsr-3890	30	6	scenarios	scenario	NOUN
fsr-3890	30	7	where	where	SCONJ
fsr-3890	30	8	respondents	respondent	NOUN
fsr-3890	30	9	are	be	AUX
fsr-3890	30	10	asked	ask	VERB
fsr-3890	30	11	to	to	PART
fsr-3890	30	12	make	make	VERB
fsr-3890	30	13	a	a	DET
fsr-3890	30	14	risk	risk	NOUN
fsr-3890	30	15	choice	choice	NOUN
fsr-3890	30	16	for	for	ADP
fsr-3890	30	17	themselves	themselves	PRON
fsr-3890	30	18	or	or	CCONJ
fsr-3890	30	19	someone	someone	PRON
fsr-3890	30	20	else	else	ADV
fsr-3890	30	21	regarding	regard	VERB
fsr-3890	30	22	an	an	DET
fsr-3890	30	23	everyday	everyday	ADJ
fsr-3890	30	24	life	life	NOUN
fsr-3890	30	25	event	event	NOUN
fsr-3890	30	26	.	.	PUNCT
fsr-3890	31	1	after	after	ADP
fsr-3890	31	2	years	year	NOUN
fsr-3890	31	3	of	of	ADP
fsr-3890	31	4	use	use	NOUN
fsr-3890	31	5	these	these	DET
fsr-3890	31	6	tests	test	NOUN
fsr-3890	31	7	were	be	AUX
fsr-3890	31	8	found	find	VERB
fsr-3890	31	9	to	to	PART
fsr-3890	31	10	generate	generate	VERB
fsr-3890	31	11	little	little	ADJ
fsr-3890	31	12	evidence	evidence	NOUN
fsr-3890	31	13	of	of	ADP
fsr-3890	31	14	general	general	ADJ
fsr-3890	31	15	risk	risk	NOUN
fsr-3890	31	16	-	-	PUNCT
fsr-3890	31	17	taking	take	VERB
fsr-3890	31	18	propensity	propensity	NOUN
fsr-3890	31	19	across	across	ADP
fsr-3890	31	20	situations	situation	NOUN
fsr-3890	31	21	because	because	SCONJ
fsr-3890	31	22	the	the	DET
fsr-3890	31	23	items	item	NOUN
fsr-3890	31	24	were	be	AUX
fsr-3890	31	25	one	one	NUM
fsr-3890	31	26	-	-	PUNCT
fsr-3890	31	27	dimensional	dimensional	ADJ
fsr-3890	31	28	.	.	PUNCT
fsr-3890	31	29	maccrimmon	maccrimmon	NOUN
fsr-3890	31	30	and	and	CCONJ
fsr-3890	31	31	wehrung	wehrung	PROPN
fsr-3890	31	32	(	(	PUNCT
fsr-3890	31	33	1986	1986	NUM
fsr-3890	31	34	)	)	PUNCT
fsr-3890	31	35	summarized	summarize	VERB
fsr-3890	31	36	findings	finding	NOUN
fsr-3890	31	37	related	relate	VERB
fsr-3890	31	38	to	to	ADP
fsr-3890	31	39	choice	choice	NOUN
fsr-3890	31	40	dilemmas	dilemma	NOUN
fsr-3890	31	41	by	by	ADP
fsr-3890	31	42	concluding	conclude	VERB
fsr-3890	31	43	that	that	SCONJ
fsr-3890	31	44	items	item	NOUN
fsr-3890	31	45	that	that	PRON
fsr-3890	31	46	ask	ask	VERB
fsr-3890	31	47	someone	someone	PRON
fsr-3890	31	48	“	"	PUNCT
fsr-3890	31	49	how	how	SCONJ
fsr-3890	31	50	risk	risk	NOUN
fsr-3890	31	51	tolerant	tolerant	ADJ
fsr-3890	31	52	are	be	AUX
fsr-3890	31	53	you	you	PRON
fsr-3890	31	54	?	?	PUNCT
fsr-3890	31	55	”	"	PUNCT
fsr-3890	31	56	measure	measure	NOUN
fsr-3890	31	57	only	only	ADV
fsr-3890	31	58	a	a	DET
fsr-3890	31	59	small	small	ADJ
fsr-3890	31	60	part	part	NOUN
fsr-3890	31	61	of	of	ADP
fsr-3890	31	62	the	the	DET
fsr-3890	31	63	multidimensional	multidimensional	ADJ
fsr-3890	31	64	nature	nature	NOUN
fsr-3890	31	65	of	of	ADP
fsr-3890	31	66	risk	risk	NOUN
fsr-3890	31	67	and	and	CCONJ
fsr-3890	31	68	that	that	SCONJ
fsr-3890	31	69	most	most	ADJ
fsr-3890	31	70	people	people	NOUN
fsr-3890	31	71	misstate	misstate	VERB
fsr-3890	31	72	their	their	PRON
fsr-3890	31	73	risk	risk	NOUN
fsr-3890	31	74	tolerance	tolerance	NOUN
fsr-3890	31	75	in	in	ADP
fsr-3890	31	76	these	these	DET
fsr-3890	31	77	situations	situation	NOUN
fsr-3890	31	78	.	.	PUNCT
fsr-3890	32	1	utility	utility	NOUN
fsr-3890	32	2	theory	theory	NOUN
fsr-3890	32	3	continues	continue	VERB
fsr-3890	32	4	to	to	PART
fsr-3890	32	5	be	be	AUX
fsr-3890	32	6	a	a	DET
fsr-3890	32	7	popular	popular	ADJ
fsr-3890	32	8	method	method	NOUN
fsr-3890	32	9	of	of	ADP
fsr-3890	32	10	assessing	assess	VERB
fsr-3890	32	11	financial	financial	ADJ
fsr-3890	32	12	risk	risk	NOUN
fsr-3890	32	13	tolerance	tolerance	NOUN
fsr-3890	32	14	;	;	PUNCT
fsr-3890	32	15	however	however	ADV
fsr-3890	32	16	,	,	PUNCT
fsr-3890	32	17	recent	recent	ADJ
fsr-3890	32	18	research	research	NOUN
fsr-3890	32	19	challenges	challenge	VERB
fsr-3890	32	20	the	the	DET
fsr-3890	32	21	standard	standard	ADJ
fsr-3890	32	22	utility	utility	NOUN
fsr-3890	32	23	function	function	NOUN
fsr-3890	32	24	assumption	assumption	NOUN
fsr-3890	32	25	by	by	ADP
fsr-3890	32	26	showing	show	VERB
fsr-3890	32	27	that	that	SCONJ
fsr-3890	32	28	164	164	NUM
fsr-3890	32	29	j.	j.	PROPN
fsr-3890	32	30	grable	grable	PROPN
fsr-3890	32	31	,	,	PUNCT
fsr-3890	32	32	r.h	r.h	PROPN
fsr-3890	32	33	.	.	PROPN
fsr-3890	32	34	lytton	lytton	PROPN
fsr-3890	32	35	/	/	SYM
fsr-3890	32	36	financial	financial	ADJ
fsr-3890	32	37	services	service	NOUN
fsr-3890	32	38	review	review	VERB
fsr-3890	32	39	8	8	NUM
fsr-3890	32	40	(	(	PUNCT
fsr-3890	32	41	1999	1999	NUM
fsr-3890	32	42	)	)	PUNCT
fsr-3890	32	43	163–181	163–181	NUM
fsr-3890	32	44	most	most	ADJ
fsr-3890	32	45	people	people	NOUN
fsr-3890	32	46	do	do	AUX
fsr-3890	32	47	not	not	PART
fsr-3890	32	48	have	have	VERB
fsr-3890	32	49	a	a	DET
fsr-3890	32	50	constant	constant	ADJ
fsr-3890	32	51	risk	risk	NOUN
fsr-3890	32	52	aversion	aversion	NOUN
fsr-3890	32	53	throughout	throughout	ADP
fsr-3890	32	54	the	the	DET
fsr-3890	32	55	entire	entire	ADJ
fsr-3890	32	56	domain	domain	NOUN
fsr-3890	32	57	of	of	ADP
fsr-3890	32	58	wealth	wealth	NOUN
fsr-3890	32	59	(	(	PUNCT
fsr-3890	32	60	shefrin	shefrin	NOUN
fsr-3890	32	61	and	and	CCONJ
fsr-3890	32	62	statman	statman	NOUN
fsr-3890	32	63	,	,	PUNCT
fsr-3890	32	64	1993	1993	NUM
fsr-3890	32	65	)	)	PUNCT
fsr-3890	32	66	.	.	PUNCT
fsr-3890	33	1	it	it	PRON
fsr-3890	33	2	has	have	AUX
fsr-3890	33	3	been	be	AUX
fsr-3890	33	4	suggested	suggest	VERB
fsr-3890	33	5	that	that	SCONJ
fsr-3890	33	6	utility	utility	NOUN
fsr-3890	33	7	theory	theory	NOUN
fsr-3890	33	8	can	can	AUX
fsr-3890	33	9	not	not	PART
fsr-3890	33	10	adequately	adequately	ADV
fsr-3890	33	11	represent	represent	VERB
fsr-3890	33	12	risk	risk	NOUN
fsr-3890	33	13	-	-	PUNCT
fsr-3890	33	14	taking	take	VERB
fsr-3890	33	15	preferences	preference	NOUN
fsr-3890	33	16	and	and	CCONJ
fsr-3890	33	17	tolerances	tolerance	NOUN
fsr-3890	33	18	because	because	SCONJ
fsr-3890	33	19	“	"	PUNCT
fsr-3890	33	20	the	the	DET
fsr-3890	33	21	magnitudes	magnitude	NOUN
fsr-3890	33	22	of	of	ADP
fsr-3890	33	23	potential	potential	ADJ
fsr-3890	33	24	loss	loss	NOUN
fsr-3890	33	25	and	and	CCONJ
fsr-3890	33	26	gain	gain	NOUN
fsr-3890	33	27	amounts	amount	NOUN
fsr-3890	33	28	,	,	PUNCT
fsr-3890	33	29	their	their	PRON
fsr-3890	33	30	chances	chance	NOUN
fsr-3890	33	31	of	of	ADP
fsr-3890	33	32	occurrence	occurrence	NOUN
fsr-3890	33	33	,	,	PUNCT
fsr-3890	33	34	and	and	CCONJ
fsr-3890	33	35	the	the	DET
fsr-3890	33	36	exposure	exposure	NOUN
fsr-3890	33	37	to	to	ADP
fsr-3890	33	38	potential	potential	ADJ
fsr-3890	33	39	loss	loss	NOUN
fsr-3890	33	40	contribute	contribute	NOUN
fsr-3890	33	41	to	to	ADP
fsr-3890	33	42	the	the	DET
fsr-3890	33	43	degree	degree	NOUN
fsr-3890	33	44	of	of	ADP
fsr-3890	33	45	threat	threat	NOUN
fsr-3890	33	46	(	(	PUNCT
fsr-3890	33	47	versus	versus	ADP
fsr-3890	33	48	opportunity	opportunity	NOUN
fsr-3890	33	49	)	)	PUNCT
fsr-3890	33	50	in	in	ADP
fsr-3890	33	51	a	a	DET
fsr-3890	33	52	risky	risky	ADJ
fsr-3890	33	53	situation	situation	NOUN
fsr-3890	33	54	”	"	PUNCT
fsr-3890	33	55	(	(	PUNCT
fsr-3890	33	56	kahneman	kahneman	NOUN
fsr-3890	33	57	and	and	CCONJ
fsr-3890	33	58	tversky	tversky	ADJ
fsr-3890	33	59	,	,	PUNCT
fsr-3890	33	60	1979	1979	NUM
fsr-3890	33	61	,	,	PUNCT
fsr-3890	33	62	p.	p.	NOUN
fsr-3890	33	63	266	266	NUM
fsr-3890	33	64	)	)	PUNCT
fsr-3890	33	65	.	.	PUNCT
fsr-3890	34	1	in	in	ADP
fsr-3890	34	2	other	other	ADJ
fsr-3890	34	3	words	word	NOUN
fsr-3890	34	4	,	,	PUNCT
fsr-3890	34	5	people	people	NOUN
fsr-3890	34	6	tend	tend	VERB
fsr-3890	34	7	to	to	PART
fsr-3890	34	8	be	be	AUX
fsr-3890	34	9	consistently	consistently	ADV
fsr-3890	34	10	more	more	ADV
fsr-3890	34	11	willing	willing	ADJ
fsr-3890	34	12	to	to	PART
fsr-3890	34	13	take	take	VERB
fsr-3890	34	14	risks	risk	NOUN
fsr-3890	34	15	when	when	SCONJ
fsr-3890	34	16	certain	certain	ADJ
fsr-3890	34	17	losses	loss	NOUN
fsr-3890	34	18	are	be	AUX
fsr-3890	34	19	anticipated	anticipate	VERB
fsr-3890	34	20	,	,	PUNCT
fsr-3890	34	21	and	and	CCONJ
fsr-3890	34	22	are	be	AUX
fsr-3890	34	23	more	more	ADV
fsr-3890	34	24	willing	willing	ADJ
fsr-3890	34	25	to	to	PART
fsr-3890	34	26	settle	settle	VERB
fsr-3890	34	27	for	for	ADP
fsr-3890	34	28	a	a	DET
fsr-3890	34	29	sure	sure	ADJ
fsr-3890	34	30	gain	gain	NOUN
fsr-3890	34	31	when	when	SCONJ
fsr-3890	34	32	absolute	absolute	ADJ
fsr-3890	34	33	gains	gain	NOUN
fsr-3890	34	34	are	be	AUX
fsr-3890	34	35	anticipated	anticipate	VERB
fsr-3890	34	36	(	(	PUNCT
fsr-3890	34	37	statman	statman	ADJ
fsr-3890	34	38	,	,	PUNCT
fsr-3890	34	39	1995	1995	NUM
fsr-3890	34	40	)	)	PUNCT
fsr-3890	34	41	.	.	PUNCT
fsr-3890	35	1	the	the	DET
fsr-3890	35	2	difficulty	difficulty	NOUN
fsr-3890	35	3	of	of	ADP
fsr-3890	35	4	measuring	measure	VERB
fsr-3890	35	5	and	and	CCONJ
fsr-3890	35	6	assessing	assess	VERB
fsr-3890	35	7	someone	someone	PRON
fsr-3890	35	8	’s	’s	PART
fsr-3890	35	9	risk	risk	NOUN
fsr-3890	35	10	tolerance	tolerance	NOUN
fsr-3890	35	11	has	have	AUX
fsr-3890	35	12	prompted	prompt	VERB
fsr-3890	35	13	some	some	DET
fsr-3890	35	14	researchers	researcher	NOUN
fsr-3890	35	15	to	to	PART
fsr-3890	35	16	recommend	recommend	VERB
fsr-3890	35	17	that	that	SCONJ
fsr-3890	35	18	“	"	PUNCT
fsr-3890	35	19	financial	financial	ADJ
fsr-3890	35	20	planners	planner	NOUN
fsr-3890	35	21	should	should	AUX
fsr-3890	35	22	focus	focus	VERB
fsr-3890	35	23	on	on	ADP
fsr-3890	35	24	measurements	measurement	NOUN
fsr-3890	35	25	of	of	ADP
fsr-3890	35	26	objective	objective	ADJ
fsr-3890	35	27	risk	risk	NOUN
fsr-3890	35	28	tolerance	tolerance	NOUN
fsr-3890	35	29	”	"	PUNCT
fsr-3890	35	30	(	(	PUNCT
fsr-3890	35	31	sung	sung	NOUN
fsr-3890	35	32	and	and	CCONJ
fsr-3890	35	33	hanna	hanna	NOUN
fsr-3890	35	34	,	,	PUNCT
fsr-3890	35	35	1996	1996	NUM
fsr-3890	35	36	,	,	PUNCT
fsr-3890	35	37	p.	p.	NOUN
fsr-3890	35	38	228	228	NUM
fsr-3890	35	39	)	)	PUNCT
fsr-3890	35	40	.	.	PUNCT
fsr-3890	36	1	objective	objective	ADJ
fsr-3890	36	2	measure	measure	NOUN
fsr-3890	36	3	analysis	analysis	NOUN
fsr-3890	36	4	appears	appear	VERB
fsr-3890	36	5	to	to	PART
fsr-3890	36	6	offer	offer	VERB
fsr-3890	36	7	great	great	ADJ
fsr-3890	36	8	potential	potential	NOUN
fsr-3890	36	9	in	in	ADP
fsr-3890	36	10	the	the	DET
fsr-3890	36	11	assessment	assessment	NOUN
fsr-3890	36	12	of	of	ADP
fsr-3890	36	13	financial	financial	ADJ
fsr-3890	36	14	risk	risk	NOUN
fsr-3890	36	15	tolerance	tolerance	NOUN
fsr-3890	36	16	(	(	PUNCT
fsr-3890	36	17	schooley	schooley	NOUN
fsr-3890	36	18	and	and	CCONJ
fsr-3890	36	19	worden	worden	NOUN
fsr-3890	36	20	,	,	PUNCT
fsr-3890	36	21	1996	1996	NUM
fsr-3890	36	22	)	)	PUNCT
fsr-3890	36	23	;	;	PUNCT
fsr-3890	36	24	however	however	ADV
fsr-3890	36	25	,	,	PUNCT
fsr-3890	36	26	objective	objective	ADJ
fsr-3890	36	27	risk	risk	NOUN
fsr-3890	36	28	-	-	PUNCT
fsr-3890	36	29	tolerance	tolerance	NOUN
fsr-3890	36	30	measures	measure	NOUN
fsr-3890	36	31	that	that	PRON
fsr-3890	36	32	require	require	VERB
fsr-3890	36	33	researchers	researcher	NOUN
fsr-3890	36	34	to	to	PART
fsr-3890	36	35	deduce	deduce	VERB
fsr-3890	36	36	someone	someone	PRON
fsr-3890	36	37	’s	’s	PART
fsr-3890	36	38	risk	risk	NOUN
fsr-3890	36	39	tolerance	tolerance	NOUN
fsr-3890	36	40	via	via	ADP
fsr-3890	36	41	their	their	PRON
fsr-3890	36	42	asset	asset	NOUN
fsr-3890	36	43	holdings	holding	NOUN
fsr-3890	36	44	may	may	AUX
fsr-3890	36	45	also	also	ADV
fsr-3890	36	46	pose	pose	VERB
fsr-3890	36	47	serious	serious	ADJ
fsr-3890	36	48	validity	validity	NOUN
fsr-3890	36	49	problems	problem	NOUN
fsr-3890	36	50	.	.	PUNCT
fsr-3890	37	1	objective	objective	ADJ
fsr-3890	37	2	measures	measure	NOUN
fsr-3890	37	3	assume	assume	VERB
fsr-3890	37	4	that	that	SCONJ
fsr-3890	37	5	investors	investor	NOUN
fsr-3890	37	6	act	act	VERB
fsr-3890	37	7	in	in	ADP
fsr-3890	37	8	a	a	DET
fsr-3890	37	9	rational	rational	ADJ
fsr-3890	37	10	way	way	NOUN
fsr-3890	37	11	and	and	CCONJ
fsr-3890	37	12	that	that	SCONJ
fsr-3890	37	13	a	a	DET
fsr-3890	37	14	person	person	NOUN
fsr-3890	37	15	’s	’s	PART
fsr-3890	37	16	asset	asset	NOUN
fsr-3890	37	17	allocation	allocation	NOUN
fsr-3890	37	18	is	be	AUX
fsr-3890	37	19	a	a	DET
fsr-3890	37	20	result	result	NOUN
fsr-3890	37	21	of	of	ADP
fsr-3890	37	22	personal	personal	ADJ
fsr-3890	37	23	choice	choice	NOUN
fsr-3890	37	24	rather	rather	ADV
fsr-3890	37	25	than	than	ADP
fsr-3890	37	26	the	the	DET
fsr-3890	37	27	advice	advice	NOUN
fsr-3890	37	28	of	of	ADP
fsr-3890	37	29	a	a	DET
fsr-3890	37	30	third	third	ADJ
fsr-3890	37	31	party	party	NOUN
fsr-3890	37	32	.	.	PUNCT
fsr-3890	38	1	as	as	ADP
fsr-3890	38	2	a	a	DET
fsr-3890	38	3	result	result	NOUN
fsr-3890	38	4	,	,	PUNCT
fsr-3890	38	5	objective	objective	ADJ
fsr-3890	38	6	measures	measure	NOUN
fsr-3890	38	7	1	1	NUM
fsr-3890	38	8	)	)	PUNCT
fsr-3890	38	9	tend	tend	VERB
fsr-3890	38	10	to	to	PART
fsr-3890	38	11	be	be	AUX
fsr-3890	38	12	descriptive	descriptive	ADJ
fsr-3890	38	13	rather	rather	ADV
fsr-3890	38	14	than	than	ADP
fsr-3890	38	15	predictive	predictive	ADJ
fsr-3890	38	16	,	,	PUNCT
fsr-3890	38	17	2	2	X
fsr-3890	38	18	)	)	PUNCT
fsr-3890	38	19	do	do	AUX
fsr-3890	38	20	not	not	PART
fsr-3890	38	21	account	account	VERB
fsr-3890	38	22	for	for	ADP
fsr-3890	38	23	the	the	DET
fsr-3890	38	24	multidimensional	multidimensional	ADJ
fsr-3890	38	25	nature	nature	NOUN
fsr-3890	38	26	of	of	ADP
fsr-3890	38	27	risk	risk	NOUN
fsr-3890	38	28	,	,	PUNCT
fsr-3890	38	29	and	and	CCONJ
fsr-3890	38	30	(	(	PUNCT
fsr-3890	38	31	c	c	X
fsr-3890	38	32	)	)	PUNCT
fsr-3890	38	33	often	often	ADV
fsr-3890	38	34	fail	fail	VERB
fsr-3890	38	35	to	to	PART
fsr-3890	38	36	explain	explain	VERB
fsr-3890	38	37	actual	actual	ADJ
fsr-3890	38	38	investor	investor	NOUN
fsr-3890	38	39	behavior	behavior	NOUN
fsr-3890	38	40	(	(	PUNCT
fsr-3890	38	41	elvekrog	elvekrog	NOUN
fsr-3890	38	42	,	,	PUNCT
fsr-3890	38	43	1996	1996	NUM
fsr-3890	38	44	;	;	PUNCT
fsr-3890	38	45	train	train	NOUN
fsr-3890	38	46	,	,	PUNCT
fsr-3890	38	47	1995	1995	NUM
fsr-3890	38	48	)	)	PUNCT
fsr-3890	38	49	.	.	PUNCT
fsr-3890	39	1	financial	financial	ADJ
fsr-3890	39	2	services	service	NOUN
fsr-3890	39	3	professionals	professional	NOUN
fsr-3890	39	4	commonly	commonly	ADV
fsr-3890	39	5	use	use	VERB
fsr-3890	39	6	heuristic	heuristic	ADJ
fsr-3890	39	7	judgments	judgment	NOUN
fsr-3890	39	8	to	to	PART
fsr-3890	39	9	assess	assess	VERB
fsr-3890	39	10	and	and	CCONJ
fsr-3890	39	11	predict	predict	VERB
fsr-3890	39	12	financial	financial	ADJ
fsr-3890	39	13	risk	risk	NOUN
fsr-3890	39	14	tolerance	tolerance	NOUN
fsr-3890	39	15	(	(	PUNCT
fsr-3890	39	16	roszkowski	roszkowski	NOUN
fsr-3890	39	17	et	et	PROPN
fsr-3890	39	18	al	al	PROPN
fsr-3890	39	19	.	.	PROPN
fsr-3890	39	20	,	,	PUNCT
fsr-3890	39	21	1993	1993	NUM
fsr-3890	39	22	)	)	PUNCT
fsr-3890	39	23	.	.	PUNCT
fsr-3890	40	1	this	this	DET
fsr-3890	40	2	method	method	NOUN
fsr-3890	40	3	assumes	assume	VERB
fsr-3890	40	4	strong	strong	ADJ
fsr-3890	40	5	correlation	correlation	NOUN
fsr-3890	40	6	’s	’s	NOUN
fsr-3890	40	7	between	between	ADP
fsr-3890	40	8	demographic	demographic	ADJ
fsr-3890	40	9	and	and	CCONJ
fsr-3890	40	10	socioeconomic	socioeconomic	ADJ
fsr-3890	40	11	characteristics	characteristic	NOUN
fsr-3890	40	12	and	and	CCONJ
fsr-3890	40	13	financial	financial	ADJ
fsr-3890	40	14	risk	risk	NOUN
fsr-3890	40	15	tolerance	tolerance	NOUN
fsr-3890	40	16	(	(	PUNCT
fsr-3890	40	17	grable	grable	NOUN
fsr-3890	40	18	and	and	CCONJ
fsr-3890	40	19	lytton	lytton	PROPN
fsr-3890	40	20	,	,	PUNCT
fsr-3890	40	21	1998	1998	NUM
fsr-3890	40	22	)	)	PUNCT
fsr-3890	40	23	.	.	PUNCT
fsr-3890	41	1	for	for	ADP
fsr-3890	41	2	example	example	NOUN
fsr-3890	41	3	,	,	PUNCT
fsr-3890	41	4	it	it	PRON
fsr-3890	41	5	is	be	AUX
fsr-3890	41	6	commonly	commonly	ADV
fsr-3890	41	7	assumed	assume	VERB
fsr-3890	41	8	that	that	SCONJ
fsr-3890	41	9	older	old	ADJ
fsr-3890	41	10	investors	investor	NOUN
fsr-3890	41	11	are	be	AUX
fsr-3890	41	12	inherently	inherently	ADV
fsr-3890	41	13	less	less	ADJ
fsr-3890	41	14	risk	risk	NOUN
fsr-3890	41	15	tolerant	tolerant	ADJ
fsr-3890	41	16	than	than	SCONJ
fsr-3890	41	17	younger	young	ADJ
fsr-3890	41	18	investors	investor	NOUN
fsr-3890	41	19	are	be	AUX
fsr-3890	41	20	.	.	PUNCT
fsr-3890	42	1	based	base	VERB
fsr-3890	42	2	on	on	ADP
fsr-3890	42	3	this	this	DET
fsr-3890	42	4	heuristic	heuristic	NOUN
fsr-3890	42	5	,	,	PUNCT
fsr-3890	42	6	older	old	ADJ
fsr-3890	42	7	individuals	individual	NOUN
fsr-3890	42	8	are	be	AUX
fsr-3890	42	9	typically	typically	ADV
fsr-3890	42	10	advised	advise	VERB
fsr-3890	42	11	to	to	PART
fsr-3890	42	12	invest	invest	VERB
fsr-3890	42	13	less	less	ADJ
fsr-3890	42	14	of	of	ADP
fsr-3890	42	15	their	their	PRON
fsr-3890	42	16	assets	asset	NOUN
fsr-3890	42	17	in	in	ADP
fsr-3890	42	18	equities	equity	NOUN
fsr-3890	42	19	and	and	CCONJ
fsr-3890	42	20	more	more	ADJ
fsr-3890	42	21	in	in	ADP
fsr-3890	42	22	fixed	fix	VERB
fsr-3890	42	23	income	income	NOUN
fsr-3890	42	24	securities	security	NOUN
fsr-3890	42	25	.	.	PUNCT
fsr-3890	43	1	although	although	SCONJ
fsr-3890	43	2	often	often	ADV
fsr-3890	43	3	assumed	assume	VERB
fsr-3890	43	4	to	to	PART
fsr-3890	43	5	be	be	AUX
fsr-3890	43	6	based	base	VERB
fsr-3890	43	7	on	on	ADP
fsr-3890	43	8	empirically	empirically	ADV
fsr-3890	43	9	tested	test	VERB
fsr-3890	43	10	assumptions	assumption	NOUN
fsr-3890	43	11	,	,	PUNCT
fsr-3890	43	12	heuristic	heuristic	ADJ
fsr-3890	43	13	judgments	judgment	NOUN
fsr-3890	43	14	often	often	ADV
fsr-3890	43	15	fail	fail	VERB
fsr-3890	43	16	to	to	PART
fsr-3890	43	17	adequately	adequately	ADV
fsr-3890	43	18	explain	explain	VERB
fsr-3890	43	19	or	or	CCONJ
fsr-3890	43	20	predict	predict	VERB
fsr-3890	43	21	actual	actual	ADJ
fsr-3890	43	22	investor	investor	NOUN
fsr-3890	43	23	behavior	behavior	NOUN
fsr-3890	43	24	.	.	PUNCT
fsr-3890	44	1	in	in	ADP
fsr-3890	44	2	many	many	ADJ
fsr-3890	44	3	cases	case	NOUN
fsr-3890	44	4	heuristic	heuristic	ADJ
fsr-3890	44	5	judgments	judgment	NOUN
fsr-3890	44	6	are	be	AUX
fsr-3890	44	7	little	little	ADV
fsr-3890	44	8	more	more	ADJ
fsr-3890	44	9	than	than	ADP
fsr-3890	44	10	commonly	commonly	ADV
fsr-3890	44	11	accepted	accept	VERB
fsr-3890	44	12	myths	myth	NOUN
fsr-3890	44	13	(	(	PUNCT
fsr-3890	44	14	cutler	cutler	NOUN
fsr-3890	44	15	,	,	PUNCT
fsr-3890	44	16	1995	1995	NUM
fsr-3890	44	17	)	)	PUNCT
fsr-3890	44	18	.	.	PUNCT
fsr-3890	45	1	as	as	SCONJ
fsr-3890	45	2	haliassos	haliassos	NOUN
fsr-3890	45	3	and	and	CCONJ
fsr-3890	45	4	bertaut	bertaut	PROPN
fsr-3890	45	5	(	(	PUNCT
fsr-3890	45	6	1995	1995	NUM
fsr-3890	45	7	)	)	PUNCT
fsr-3890	45	8	and	and	CCONJ
fsr-3890	45	9	yoo	yoo	PROPN
fsr-3890	45	10	(	(	PUNCT
fsr-3890	45	11	1994	1994	NUM
fsr-3890	45	12	)	)	PUNCT
fsr-3890	45	13	concluded	conclude	VERB
fsr-3890	45	14	,	,	PUNCT
fsr-3890	45	15	“	"	PUNCT
fsr-3890	45	16	the	the	DET
fsr-3890	45	17	current	current	ADJ
fsr-3890	45	18	body	body	NOUN
fsr-3890	45	19	of	of	ADP
fsr-3890	45	20	theoretical	theoretical	ADJ
fsr-3890	45	21	literature	literature	NOUN
fsr-3890	45	22	does	do	AUX
fsr-3890	45	23	not	not	PART
fsr-3890	45	24	adequately	adequately	ADV
fsr-3890	45	25	describe	describe	VERB
fsr-3890	45	26	the	the	DET
fsr-3890	45	27	behavior	behavior	NOUN
fsr-3890	45	28	of	of	ADP
fsr-3890	45	29	individuals	individual	NOUN
fsr-3890	45	30	”	"	PUNCT
fsr-3890	45	31	(	(	PUNCT
fsr-3890	45	32	yoo	yoo	PROPN
fsr-3890	45	33	,	,	PUNCT
fsr-3890	45	34	1994	1994	NUM
fsr-3890	45	35	,	,	PUNCT
fsr-3890	45	36	p.1	p.1	NOUN
fsr-3890	45	37	)	)	PUNCT
fsr-3890	45	38	,	,	PUNCT
fsr-3890	45	39	leaving	leave	VERB
fsr-3890	45	40	many	many	ADJ
fsr-3890	45	41	to	to	PART
fsr-3890	45	42	conclude	conclude	VERB
fsr-3890	45	43	that	that	SCONJ
fsr-3890	45	44	past	past	ADJ
fsr-3890	45	45	research	research	NOUN
fsr-3890	45	46	gives	give	VERB
fsr-3890	45	47	limited	limited	ADJ
fsr-3890	45	48	insight	insight	NOUN
fsr-3890	45	49	into	into	ADP
fsr-3890	45	50	the	the	DET
fsr-3890	45	51	relationship	relationship	NOUN
fsr-3890	45	52	between	between	ADP
fsr-3890	45	53	demographic	demographic	ADJ
fsr-3890	45	54	and	and	CCONJ
fsr-3890	45	55	socioeconomic	socioeconomic	ADJ
fsr-3890	45	56	characteristics	characteristic	NOUN
fsr-3890	45	57	and	and	CCONJ
fsr-3890	45	58	risk	risk	NOUN
fsr-3890	45	59	tolerance	tolerance	NOUN
fsr-3890	45	60	.	.	PUNCT
fsr-3890	46	1	research	research	NOUN
fsr-3890	46	2	findings	finding	NOUN
fsr-3890	46	3	related	relate	VERB
fsr-3890	46	4	to	to	ADP
fsr-3890	46	5	choice	choice	NOUN
fsr-3890	46	6	dilemmas	dilemma	NOUN
fsr-3890	46	7	,	,	PUNCT
fsr-3890	46	8	utility	utility	NOUN
fsr-3890	46	9	analysis	analysis	NOUN
fsr-3890	46	10	,	,	PUNCT
fsr-3890	46	11	objective	objective	ADJ
fsr-3890	46	12	functions	function	NOUN
fsr-3890	46	13	,	,	PUNCT
fsr-3890	46	14	and	and	CCONJ
fsr-3890	46	15	heuristic	heuristic	ADJ
fsr-3890	46	16	judgments	judgment	NOUN
fsr-3890	46	17	have	have	AUX
fsr-3890	46	18	led	lead	VERB
fsr-3890	46	19	some	some	DET
fsr-3890	46	20	researchers	researcher	NOUN
fsr-3890	46	21	and	and	CCONJ
fsr-3890	46	22	practitioners	practitioner	NOUN
fsr-3890	46	23	studying	study	VERB
fsr-3890	46	24	risk	risk	NOUN
fsr-3890	46	25	-	-	PUNCT
fsr-3890	46	26	tolerance	tolerance	NOUN
fsr-3890	46	27	theory	theory	NOUN
fsr-3890	46	28	to	to	PART
fsr-3890	46	29	conclude	conclude	VERB
fsr-3890	46	30	that	that	SCONJ
fsr-3890	46	31	these	these	DET
fsr-3890	46	32	methods	method	NOUN
fsr-3890	46	33	are	be	AUX
fsr-3890	46	34	not	not	PART
fsr-3890	46	35	entirely	entirely	ADV
fsr-3890	46	36	appropriate	appropriate	ADJ
fsr-3890	46	37	when	when	SCONJ
fsr-3890	46	38	attempting	attempt	VERB
fsr-3890	46	39	to	to	PART
fsr-3890	46	40	assess	assess	VERB
fsr-3890	46	41	a	a	DET
fsr-3890	46	42	person	person	NOUN
fsr-3890	46	43	’s	’s	PART
fsr-3890	46	44	financial	financial	ADJ
fsr-3890	46	45	risk	risk	NOUN
fsr-3890	46	46	tolerance	tolerance	NOUN
fsr-3890	46	47	(	(	PUNCT
fsr-3890	46	48	e.g.	e.g.	ADV
fsr-3890	46	49	,	,	PUNCT
fsr-3890	46	50	grable	grable	NOUN
fsr-3890	46	51	and	and	CCONJ
fsr-3890	46	52	lytton	lytton	PROPN
fsr-3890	46	53	,	,	PUNCT
fsr-3890	46	54	1998	1998	NUM
fsr-3890	46	55	;	;	PUNCT
fsr-3890	46	56	maccrimmon	maccrimmon	NOUN
fsr-3890	46	57	and	and	CCONJ
fsr-3890	46	58	wehrung	wehrung	PROPN
fsr-3890	46	59	,	,	PUNCT
fsr-3890	46	60	1986	1986	NUM
fsr-3890	46	61	;	;	PUNCT
fsr-3890	46	62	statman	statman	NOUN
fsr-3890	46	63	,	,	PUNCT
fsr-3890	46	64	1995	1995	NUM
fsr-3890	46	65	)	)	PUNCT
fsr-3890	46	66	.	.	PUNCT
fsr-3890	47	1	instead	instead	ADV
fsr-3890	47	2	,	,	PUNCT
fsr-3890	47	3	it	it	PRON
fsr-3890	47	4	has	have	AUX
fsr-3890	47	5	been	be	AUX
fsr-3890	47	6	argued	argue	VERB
fsr-3890	47	7	that	that	SCONJ
fsr-3890	47	8	the	the	DET
fsr-3890	47	9	best	good	ADJ
fsr-3890	47	10	way	way	NOUN
fsr-3890	47	11	to	to	PART
fsr-3890	47	12	concisely	concisely	ADV
fsr-3890	47	13	and	and	CCONJ
fsr-3890	47	14	accurately	accurately	ADV
fsr-3890	47	15	identify	identify	VERB
fsr-3890	47	16	a	a	DET
fsr-3890	47	17	person	person	NOUN
fsr-3890	47	18	’s	’s	PART
fsr-3890	47	19	financial	financial	ADJ
fsr-3890	47	20	risk	risk	NOUN
fsr-3890	47	21	tolerance	tolerance	NOUN
fsr-3890	47	22	is	be	AUX
fsr-3890	47	23	to	to	PART
fsr-3890	47	24	use	use	VERB
fsr-3890	47	25	an	an	DET
fsr-3890	47	26	assessment	assessment	NOUN
fsr-3890	47	27	instrument	instrument	NOUN
fsr-3890	47	28	designed	design	VERB
fsr-3890	47	29	specifically	specifically	ADV
fsr-3890	47	30	to	to	PART
fsr-3890	47	31	measure	measure	VERB
fsr-3890	47	32	subjective	subjective	ADJ
fsr-3890	47	33	risk	risk	NOUN
fsr-3890	47	34	tolerance	tolerance	NOUN
fsr-3890	47	35	using	use	VERB
fsr-3890	47	36	multidimensional	multidimensional	ADJ
fsr-3890	47	37	financial	financial	ADJ
fsr-3890	47	38	scenarios	scenario	NOUN
fsr-3890	47	39	and	and	CCONJ
fsr-3890	47	40	situations	situation	NOUN
fsr-3890	47	41	(	(	PUNCT
fsr-3890	47	42	maccrimmon	maccrimmon	NOUN
fsr-3890	47	43	and	and	CCONJ
fsr-3890	47	44	wehrung	wehrung	PROPN
fsr-3890	47	45	,	,	PUNCT
fsr-3890	47	46	1986	1986	NUM
fsr-3890	47	47	)	)	PUNCT
fsr-3890	47	48	.	.	PUNCT
fsr-3890	48	1	however	however	ADV
fsr-3890	48	2	,	,	PUNCT
fsr-3890	48	3	as	as	SCONJ
fsr-3890	48	4	noted	note	VERB
fsr-3890	48	5	above	above	ADV
fsr-3890	48	6	,	,	PUNCT
fsr-3890	48	7	there	there	PRON
fsr-3890	48	8	are	be	VERB
fsr-3890	48	9	few	few	ADJ
fsr-3890	48	10	,	,	PUNCT
fsr-3890	48	11	if	if	SCONJ
fsr-3890	48	12	any	any	PRON
fsr-3890	48	13	,	,	PUNCT
fsr-3890	48	14	widely	widely	ADV
fsr-3890	48	15	accepted	accept	VERB
fsr-3890	48	16	and	and	CCONJ
fsr-3890	48	17	commonly	commonly	ADV
fsr-3890	48	18	used	use	VERB
fsr-3890	48	19	measures	measure	NOUN
fsr-3890	48	20	or	or	CCONJ
fsr-3890	48	21	instruments	instrument	NOUN
fsr-3890	48	22	designed	design	VERB
fsr-3890	48	23	to	to	PART
fsr-3890	48	24	ascertain	ascertain	VERB
fsr-3890	48	25	someone	someone	PRON
fsr-3890	48	26	’s	’s	PART
fsr-3890	48	27	financial	financial	ADJ
fsr-3890	48	28	risk	risk	NOUN
fsr-3890	48	29	tolerance	tolerance	NOUN
fsr-3890	48	30	(	(	PUNCT
fsr-3890	48	31	roszkowski	roszkowski	NOUN
fsr-3890	48	32	,	,	PUNCT
fsr-3890	48	33	1995	1995	NUM
fsr-3890	48	34	)	)	PUNCT
fsr-3890	48	35	.	.	PUNCT
fsr-3890	49	1	maccrimmon	maccrimmon	PROPN
fsr-3890	49	2	and	and	CCONJ
fsr-3890	49	3	wehrung	wehrung	PROPN
fsr-3890	49	4	(	(	PUNCT
fsr-3890	49	5	1986	1986	NUM
fsr-3890	49	6	)	)	PUNCT
fsr-3890	49	7	recommended	recommend	VERB
fsr-3890	49	8	the	the	DET
fsr-3890	49	9	use	use	NOUN
fsr-3890	49	10	of	of	ADP
fsr-3890	49	11	a	a	DET
fsr-3890	49	12	questionnaire	questionnaire	NOUN
fsr-3890	49	13	type	type	NOUN
fsr-3890	49	14	instrument	instrument	NOUN
fsr-3890	49	15	over	over	ADP
fsr-3890	49	16	other	other	ADJ
fsr-3890	49	17	types	type	NOUN
fsr-3890	49	18	of	of	ADP
fsr-3890	49	19	measures	measure	NOUN
fsr-3890	49	20	or	or	CCONJ
fsr-3890	49	21	experiments	experiment	NOUN
fsr-3890	49	22	because	because	SCONJ
fsr-3890	49	23	a	a	DET
fsr-3890	49	24	questionnaire	questionnaire	NOUN
fsr-3890	49	25	does	do	AUX
fsr-3890	49	26	not	not	PART
fsr-3890	49	27	subject	subject	VERB
fsr-3890	49	28	165j	165j	PROPN
fsr-3890	49	29	.	.	PUNCT
fsr-3890	50	1	grable	grable	PROPN
fsr-3890	50	2	,	,	PUNCT
fsr-3890	50	3	r.h	r.h	PROPN
fsr-3890	50	4	.	.	PROPN
fsr-3890	50	5	lytton	lytton	PROPN
fsr-3890	50	6	/	/	SYM
fsr-3890	50	7	financial	financial	ADJ
fsr-3890	50	8	services	service	NOUN
fsr-3890	50	9	review	review	VERB
fsr-3890	50	10	8	8	NUM
fsr-3890	50	11	(	(	PUNCT
fsr-3890	50	12	1999	1999	NUM
fsr-3890	50	13	)	)	PUNCT
fsr-3890	51	1	163–181	163–181	NUM
fsr-3890	51	2	a	a	DET
fsr-3890	51	3	respondent	respondent	NOUN
fsr-3890	51	4	’s	’s	PART
fsr-3890	51	5	tolerances	tolerance	NOUN
fsr-3890	51	6	to	to	ADP
fsr-3890	51	7	“	"	PUNCT
fsr-3890	51	8	subtle	subtle	ADJ
fsr-3890	51	9	influences	influence	NOUN
fsr-3890	51	10	of	of	ADP
fsr-3890	51	11	the	the	DET
fsr-3890	51	12	decision	decision	NOUN
fsr-3890	51	13	analyst	analyst	NOUN
fsr-3890	51	14	during	during	ADP
fsr-3890	51	15	the	the	DET
fsr-3890	51	16	assessment	assessment	NOUN
fsr-3890	51	17	process	process	NOUN
fsr-3890	51	18	”	"	PUNCT
fsr-3890	51	19	(	(	PUNCT
fsr-3890	51	20	maccrimmon	maccrimmon	NOUN
fsr-3890	51	21	and	and	CCONJ
fsr-3890	51	22	wehrung	wehrung	PROPN
fsr-3890	51	23	,	,	PUNCT
fsr-3890	51	24	1986	1986	NUM
fsr-3890	51	25	,	,	PUNCT
fsr-3890	51	26	p.	p.	NOUN
fsr-3890	51	27	65	65	NUM
fsr-3890	51	28	)	)	PUNCT
fsr-3890	51	29	.	.	PUNCT
fsr-3890	52	1	questionnaires	questionnaire	NOUN
fsr-3890	52	2	also	also	ADV
fsr-3890	52	3	were	be	AUX
fsr-3890	52	4	recommended	recommend	VERB
fsr-3890	52	5	because	because	SCONJ
fsr-3890	52	6	they	they	PRON
fsr-3890	52	7	allow	allow	VERB
fsr-3890	52	8	large	large	ADJ
fsr-3890	52	9	numbers	number	NOUN
fsr-3890	52	10	of	of	ADP
fsr-3890	52	11	subjects	subject	NOUN
fsr-3890	52	12	to	to	PART
fsr-3890	52	13	participate	participate	VERB
fsr-3890	52	14	in	in	ADP
fsr-3890	52	15	assessments	assessment	NOUN
fsr-3890	52	16	,	,	PUNCT
fsr-3890	52	17	thus	thus	ADV
fsr-3890	52	18	eliminating	eliminate	VERB
fsr-3890	52	19	response	response	NOUN
fsr-3890	52	20	biases	bias	NOUN
fsr-3890	52	21	that	that	PRON
fsr-3890	52	22	can	can	AUX
fsr-3890	52	23	arise	arise	VERB
fsr-3890	52	24	when	when	SCONJ
fsr-3890	52	25	multiple	multiple	ADJ
fsr-3890	52	26	analysts	analyst	NOUN
fsr-3890	52	27	are	be	AUX
fsr-3890	52	28	used	use	VERB
fsr-3890	52	29	to	to	PART
fsr-3890	52	30	assess	assess	VERB
fsr-3890	52	31	tolerances	tolerance	NOUN
fsr-3890	52	32	on	on	ADP
fsr-3890	52	33	an	an	DET
fsr-3890	52	34	interactive	interactive	ADJ
fsr-3890	52	35	basis	basis	NOUN
fsr-3890	52	36	.	.	PUNCT
fsr-3890	53	1	additionally	additionally	ADV
fsr-3890	53	2	,	,	PUNCT
fsr-3890	53	3	instead	instead	ADV
fsr-3890	53	4	of	of	ADP
fsr-3890	53	5	relying	rely	VERB
fsr-3890	53	6	on	on	ADP
fsr-3890	53	7	a	a	DET
fsr-3890	53	8	single	single	ADJ
fsr-3890	53	9	item	item	NOUN
fsr-3890	53	10	,	,	PUNCT
fsr-3890	53	11	maccrimmon	maccrimmon	NOUN
fsr-3890	53	12	and	and	CCONJ
fsr-3890	53	13	wehrung	wehrung	PROPN
fsr-3890	53	14	recommended	recommend	VERB
fsr-3890	53	15	that	that	SCONJ
fsr-3890	53	16	surveys	survey	NOUN
fsr-3890	53	17	and	and	CCONJ
fsr-3890	53	18	experiments	experiment	NOUN
fsr-3890	53	19	include	include	VERB
fsr-3890	53	20	situation	situation	NOUN
fsr-3890	53	21	items	item	NOUN
fsr-3890	53	22	where	where	SCONJ
fsr-3890	53	23	respondents	respondent	NOUN
fsr-3890	53	24	are	be	AUX
fsr-3890	53	25	asked	ask	VERB
fsr-3890	53	26	to	to	PART
fsr-3890	53	27	make	make	VERB
fsr-3890	53	28	financial	financial	ADJ
fsr-3890	53	29	decisions	decision	NOUN
fsr-3890	53	30	concerning	concern	VERB
fsr-3890	53	31	lotteries	lottery	NOUN
fsr-3890	53	32	,	,	PUNCT
fsr-3890	53	33	stocks	stock	NOUN
fsr-3890	53	34	,	,	PUNCT
fsr-3890	53	35	bonds	bond	NOUN
fsr-3890	53	36	,	,	PUNCT
fsr-3890	53	37	mutual	mutual	ADJ
fsr-3890	53	38	funds	fund	NOUN
fsr-3890	53	39	,	,	PUNCT
fsr-3890	53	40	real	real	ADJ
fsr-3890	53	41	estate	estate	NOUN
fsr-3890	53	42	,	,	PUNCT
fsr-3890	53	43	options	option	NOUN
fsr-3890	53	44	,	,	PUNCT
fsr-3890	53	45	commodities	commodity	NOUN
fsr-3890	53	46	,	,	PUNCT
fsr-3890	53	47	and	and	CCONJ
fsr-3890	53	48	other	other	ADJ
fsr-3890	53	49	types	type	NOUN
fsr-3890	53	50	of	of	ADP
fsr-3890	53	51	investments	investment	NOUN
fsr-3890	53	52	.	.	PUNCT
fsr-3890	54	1	2.1	2.1	NUM
fsr-3890	54	2	.	.	PUNCT
fsr-3890	55	1	a	a	DET
fsr-3890	55	2	review	review	NOUN
fsr-3890	55	3	of	of	ADP
fsr-3890	55	4	instrument	instrument	NOUN
fsr-3890	55	5	development	development	NOUN
fsr-3890	55	6	issues	issue	NOUN
fsr-3890	55	7	roszkowski	roszkowski	VERB
fsr-3890	55	8	(	(	PUNCT
fsr-3890	55	9	1998	1998	NUM
fsr-3890	55	10	)	)	PUNCT
fsr-3890	55	11	noted	note	VERB
fsr-3890	55	12	that	that	SCONJ
fsr-3890	55	13	assessing	assess	VERB
fsr-3890	55	14	someone	someone	PRON
fsr-3890	55	15	’s	’s	PART
fsr-3890	55	16	level	level	NOUN
fsr-3890	55	17	of	of	ADP
fsr-3890	55	18	risk	risk	NOUN
fsr-3890	55	19	tolerance	tolerance	NOUN
fsr-3890	55	20	is	be	AUX
fsr-3890	55	21	a	a	DET
fsr-3890	55	22	difficult	difficult	ADJ
fsr-3890	55	23	process	process	NOUN
fsr-3890	55	24	because	because	SCONJ
fsr-3890	55	25	risk	risk	NOUN
fsr-3890	55	26	tolerance	tolerance	NOUN
fsr-3890	55	27	is	be	AUX
fsr-3890	55	28	an	an	DET
fsr-3890	55	29	elusive	elusive	ADJ
fsr-3890	55	30	,	,	PUNCT
fsr-3890	55	31	ambiguous	ambiguous	ADJ
fsr-3890	55	32	concept	concept	NOUN
fsr-3890	55	33	.	.	PUNCT
fsr-3890	56	1	some	some	DET
fsr-3890	56	2	researchers	researcher	NOUN
fsr-3890	56	3	have	have	AUX
fsr-3890	56	4	suggested	suggest	VERB
fsr-3890	56	5	that	that	SCONJ
fsr-3890	56	6	risk	risk	NOUN
fsr-3890	56	7	taking	taking	NOUN
fsr-3890	56	8	is	be	AUX
fsr-3890	56	9	constant	constant	ADJ
fsr-3890	56	10	across	across	ADP
fsr-3890	56	11	situations	situation	NOUN
fsr-3890	56	12	,	,	PUNCT
fsr-3890	56	13	but	but	CCONJ
fsr-3890	56	14	evidence	evidence	NOUN
fsr-3890	56	15	indicates	indicate	VERB
fsr-3890	56	16	that	that	SCONJ
fsr-3890	56	17	,	,	PUNCT
fsr-3890	56	18	for	for	ADP
fsr-3890	56	19	example	example	NOUN
fsr-3890	56	20	,	,	PUNCT
fsr-3890	56	21	a	a	DET
fsr-3890	56	22	person	person	NOUN
fsr-3890	56	23	’s	’s	PART
fsr-3890	56	24	level	level	NOUN
fsr-3890	56	25	of	of	ADP
fsr-3890	56	26	risk	risk	NOUN
fsr-3890	56	27	tolerance	tolerance	NOUN
fsr-3890	56	28	for	for	ADP
fsr-3890	56	29	physical	physical	ADJ
fsr-3890	56	30	activities	activity	NOUN
fsr-3890	56	31	is	be	AUX
fsr-3890	56	32	not	not	PART
fsr-3890	56	33	a	a	DET
fsr-3890	56	34	good	good	ADJ
fsr-3890	56	35	gauge	gauge	NOUN
fsr-3890	56	36	of	of	ADP
fsr-3890	56	37	risk	risk	NOUN
fsr-3890	56	38	taking	take	VERB
fsr-3890	56	39	in	in	ADP
fsr-3890	56	40	financial	financial	ADJ
fsr-3890	56	41	situations	situation	NOUN
fsr-3890	56	42	(	(	PUNCT
fsr-3890	56	43	roszkowski	roszkowski	NOUN
fsr-3890	56	44	,	,	PUNCT
fsr-3890	56	45	1998	1998	NUM
fsr-3890	56	46	;	;	PUNCT
fsr-3890	56	47	rowland	rowland	PROPN
fsr-3890	56	48	,	,	PUNCT
fsr-3890	56	49	1996	1996	NUM
fsr-3890	56	50	)	)	PUNCT
fsr-3890	56	51	.	.	PUNCT
fsr-3890	57	1	because	because	SCONJ
fsr-3890	57	2	many	many	ADJ
fsr-3890	57	3	people	people	NOUN
fsr-3890	57	4	are	be	AUX
fsr-3890	57	5	unsophisticated	unsophisticated	ADJ
fsr-3890	57	6	about	about	ADP
fsr-3890	57	7	investments	investment	NOUN
fsr-3890	57	8	,	,	PUNCT
fsr-3890	57	9	it	it	PRON
fsr-3890	57	10	is	be	AUX
fsr-3890	57	11	essential	essential	ADJ
fsr-3890	57	12	that	that	SCONJ
fsr-3890	57	13	assessment	assessment	NOUN
fsr-3890	57	14	instruments	instrument	NOUN
fsr-3890	57	15	consider	consider	VERB
fsr-3890	57	16	different	different	ADJ
fsr-3890	57	17	classes	class	NOUN
fsr-3890	57	18	of	of	ADP
fsr-3890	57	19	assets	asset	NOUN
fsr-3890	57	20	and	and	CCONJ
fsr-3890	57	21	situations	situation	NOUN
fsr-3890	57	22	.	.	PUNCT
fsr-3890	58	1	without	without	ADP
fsr-3890	58	2	this	this	DET
fsr-3890	58	3	consideration	consideration	NOUN
fsr-3890	58	4	and	and	CCONJ
fsr-3890	58	5	the	the	DET
fsr-3890	58	6	addition	addition	NOUN
fsr-3890	58	7	of	of	ADP
fsr-3890	58	8	multidimensional	multidimensional	ADJ
fsr-3890	58	9	questions	question	NOUN
fsr-3890	58	10	,	,	PUNCT
fsr-3890	58	11	research	research	NOUN
fsr-3890	58	12	indicates	indicate	VERB
fsr-3890	58	13	that	that	SCONJ
fsr-3890	58	14	people	people	NOUN
fsr-3890	58	15	will	will	AUX
fsr-3890	58	16	tend	tend	VERB
fsr-3890	58	17	to	to	PART
fsr-3890	58	18	overestimate	overestimate	VERB
fsr-3890	58	19	their	their	PRON
fsr-3890	58	20	actual	actual	ADJ
fsr-3890	58	21	level	level	NOUN
fsr-3890	58	22	of	of	ADP
fsr-3890	58	23	risk	risk	NOUN
fsr-3890	58	24	tolerance	tolerance	NOUN
fsr-3890	58	25	because	because	SCONJ
fsr-3890	58	26	of	of	ADP
fsr-3890	58	27	a	a	DET
fsr-3890	58	28	desire	desire	NOUN
fsr-3890	58	29	to	to	PART
fsr-3890	58	30	appear	appear	VERB
fsr-3890	58	31	socially	socially	ADV
fsr-3890	58	32	acceptable	acceptable	ADJ
fsr-3890	58	33	.	.	PUNCT
fsr-3890	59	1	a	a	DET
fsr-3890	59	2	greater	great	ADJ
fsr-3890	59	3	range	range	NOUN
fsr-3890	59	4	of	of	ADP
fsr-3890	59	5	financial	financial	ADJ
fsr-3890	59	6	choices	choice	NOUN
fsr-3890	59	7	also	also	ADV
fsr-3890	59	8	permits	permit	VERB
fsr-3890	59	9	researchers	researcher	NOUN
fsr-3890	59	10	to	to	PART
fsr-3890	59	11	make	make	VERB
fsr-3890	59	12	more	more	ADJ
fsr-3890	59	13	specific	specific	ADJ
fsr-3890	59	14	distinctions	distinction	NOUN
fsr-3890	59	15	among	among	ADP
fsr-3890	59	16	individuals	individual	NOUN
fsr-3890	59	17	.	.	PUNCT
fsr-3890	60	1	when	when	SCONJ
fsr-3890	60	2	making	make	VERB
fsr-3890	60	3	risky	risky	ADJ
fsr-3890	60	4	financial	financial	ADJ
fsr-3890	60	5	choices	choice	NOUN
fsr-3890	60	6	,	,	PUNCT
fsr-3890	60	7	the	the	DET
fsr-3890	60	8	literature	literature	NOUN
fsr-3890	60	9	suggests	suggest	VERB
fsr-3890	60	10	that	that	SCONJ
fsr-3890	60	11	people	people	NOUN
fsr-3890	60	12	consider	consider	VERB
fsr-3890	60	13	four	four	NUM
fsr-3890	60	14	distinct	distinct	ADJ
fsr-3890	60	15	elements	element	NOUN
fsr-3890	60	16	:	:	PUNCT
fsr-3890	60	17	1	1	X
fsr-3890	60	18	)	)	PUNCT
fsr-3890	60	19	the	the	DET
fsr-3890	60	20	probability	probability	NOUN
fsr-3890	60	21	of	of	ADP
fsr-3890	60	22	gains	gain	NOUN
fsr-3890	60	23	,	,	PUNCT
fsr-3890	60	24	2	2	X
fsr-3890	60	25	)	)	PUNCT
fsr-3890	60	26	the	the	DET
fsr-3890	60	27	probability	probability	NOUN
fsr-3890	60	28	of	of	ADP
fsr-3890	60	29	loss	loss	NOUN
fsr-3890	60	30	,	,	PUNCT
fsr-3890	60	31	3	3	X
fsr-3890	60	32	)	)	PUNCT
fsr-3890	60	33	the	the	DET
fsr-3890	60	34	dollar	dollar	NOUN
fsr-3890	60	35	amount	amount	NOUN
fsr-3890	60	36	of	of	ADP
fsr-3890	60	37	potential	potential	ADJ
fsr-3890	60	38	gains	gain	NOUN
fsr-3890	60	39	,	,	PUNCT
fsr-3890	60	40	and	and	CCONJ
fsr-3890	60	41	4	4	X
fsr-3890	60	42	)	)	PUNCT
fsr-3890	60	43	the	the	DET
fsr-3890	60	44	potential	potential	ADJ
fsr-3890	60	45	dollar	dollar	NOUN
fsr-3890	60	46	loss	loss	NOUN
fsr-3890	60	47	(	(	PUNCT
fsr-3890	60	48	maccrimmon	maccrimmon	NOUN
fsr-3890	60	49	and	and	CCONJ
fsr-3890	60	50	wehrung	wehrung	PROPN
fsr-3890	60	51	,	,	PUNCT
fsr-3890	60	52	1986	1986	NUM
fsr-3890	60	53	)	)	PUNCT
fsr-3890	60	54	.	.	PUNCT
fsr-3890	61	1	to	to	PART
fsr-3890	61	2	assess	assess	VERB
fsr-3890	61	3	risk	risk	NOUN
fsr-3890	61	4	tolerance	tolerance	NOUN
fsr-3890	61	5	accurately	accurately	ADV
fsr-3890	61	6	,	,	PUNCT
fsr-3890	61	7	roszkowski	roszkowski	PROPN
fsr-3890	61	8	et	et	PROPN
fsr-3890	61	9	al	al	PROPN
fsr-3890	61	10	.	.	PROPN
fsr-3890	62	1	(	(	PUNCT
fsr-3890	62	2	1993	1993	NUM
fsr-3890	62	3	)	)	PUNCT
fsr-3890	62	4	suggest	suggest	VERB
fsr-3890	62	5	that	that	SCONJ
fsr-3890	62	6	risk	risk	NOUN
fsr-3890	62	7	-	-	PUNCT
fsr-3890	62	8	tolerance	tolerance	NOUN
fsr-3890	62	9	assessments	assessment	NOUN
fsr-3890	62	10	include	include	VERB
fsr-3890	62	11	items	item	NOUN
fsr-3890	62	12	querying	query	VERB
fsr-3890	62	13	respondents	respondent	NOUN
fsr-3890	62	14	’	'	PUNCT
fsr-3890	62	15	tolerances	tolerance	NOUN
fsr-3890	62	16	for	for	ADP
fsr-3890	62	17	guaranteed	guarantee	VERB
fsr-3890	62	18	versus	versus	ADP
fsr-3890	62	19	probable	probable	ADJ
fsr-3890	62	20	gambles	gamble	NOUN
fsr-3890	62	21	,	,	PUNCT
fsr-3890	62	22	minimum	minimum	ADJ
fsr-3890	62	23	probability	probability	NOUN
fsr-3890	62	24	of	of	ADP
fsr-3890	62	25	success	success	NOUN
fsr-3890	62	26	items	item	NOUN
fsr-3890	62	27	that	that	PRON
fsr-3890	62	28	require	require	VERB
fsr-3890	62	29	a	a	DET
fsr-3890	62	30	risky	risky	ADJ
fsr-3890	62	31	course	course	NOUN
fsr-3890	62	32	of	of	ADP
fsr-3890	62	33	action	action	NOUN
fsr-3890	62	34	,	,	PUNCT
fsr-3890	62	35	and	and	CCONJ
fsr-3890	62	36	items	item	NOUN
fsr-3890	62	37	offering	offer	VERB
fsr-3890	62	38	minimum	minimum	ADJ
fsr-3890	62	39	returns	return	NOUN
fsr-3890	62	40	that	that	PRON
fsr-3890	62	41	require	require	VERB
fsr-3890	62	42	respondents	respondent	NOUN
fsr-3890	62	43	to	to	PART
fsr-3890	62	44	undertake	undertake	VERB
fsr-3890	62	45	a	a	DET
fsr-3890	62	46	risky	risky	ADJ
fsr-3890	62	47	course	course	NOUN
fsr-3890	62	48	of	of	ADP
fsr-3890	62	49	action	action	NOUN
fsr-3890	62	50	.	.	PUNCT
fsr-3890	63	1	others	other	NOUN
fsr-3890	63	2	have	have	AUX
fsr-3890	63	3	suggested	suggest	VERB
fsr-3890	63	4	including	include	VERB
fsr-3890	63	5	financial	financial	ADJ
fsr-3890	63	6	assessment	assessment	NOUN
fsr-3890	63	7	items	item	NOUN
fsr-3890	63	8	that	that	PRON
fsr-3890	63	9	elicit	elicit	VERB
fsr-3890	63	10	a	a	DET
fsr-3890	63	11	choice	choice	NOUN
fsr-3890	63	12	between	between	ADP
fsr-3890	63	13	a	a	DET
fsr-3890	63	14	sure	sure	ADJ
fsr-3890	63	15	loss	loss	NOUN
fsr-3890	63	16	of	of	ADP
fsr-3890	63	17	a	a	DET
fsr-3890	63	18	definite	definite	ADJ
fsr-3890	63	19	amount	amount	NOUN
fsr-3890	63	20	and	and	CCONJ
fsr-3890	63	21	the	the	DET
fsr-3890	63	22	probable	probable	ADJ
fsr-3890	63	23	loss	loss	NOUN
fsr-3890	63	24	of	of	ADP
fsr-3890	63	25	a	a	DET
fsr-3890	63	26	larger	large	ADJ
fsr-3890	63	27	amount	amount	NOUN
fsr-3890	63	28	.	.	PUNCT
fsr-3890	64	1	most	most	ADJ
fsr-3890	64	2	people	people	NOUN
fsr-3890	64	3	become	become	VERB
fsr-3890	64	4	risk	risk	NOUN
fsr-3890	64	5	seeking	seek	VERB
fsr-3890	64	6	in	in	ADP
fsr-3890	64	7	“	"	PUNCT
fsr-3890	64	8	the	the	DET
fsr-3890	64	9	sense	sense	NOUN
fsr-3890	64	10	that	that	SCONJ
fsr-3890	64	11	they	they	PRON
fsr-3890	64	12	are	be	AUX
fsr-3890	64	13	more	more	ADV
fsr-3890	64	14	willing	willing	ADJ
fsr-3890	64	15	to	to	PART
fsr-3890	64	16	risk	risk	VERB
fsr-3890	64	17	a	a	DET
fsr-3890	64	18	large	large	ADJ
fsr-3890	64	19	loss	loss	NOUN
fsr-3890	64	20	than	than	SCONJ
fsr-3890	64	21	to	to	PART
fsr-3890	64	22	accept	accept	VERB
fsr-3890	64	23	a	a	DET
fsr-3890	64	24	small	small	ADJ
fsr-3890	64	25	,	,	PUNCT
fsr-3890	64	26	but	but	CCONJ
fsr-3890	64	27	certain	certain	ADJ
fsr-3890	64	28	,	,	PUNCT
fsr-3890	64	29	loss	loss	NOUN
fsr-3890	64	30	”	"	PUNCT
fsr-3890	64	31	(	(	PUNCT
fsr-3890	64	32	roszkowski	roszkowski	NOUN
fsr-3890	64	33	,	,	PUNCT
fsr-3890	64	34	1995	1995	NUM
fsr-3890	64	35	,	,	PUNCT
fsr-3890	64	36	p.	p.	NOUN
fsr-3890	64	37	44	44	NUM
fsr-3890	64	38	)	)	PUNCT
fsr-3890	64	39	.	.	PUNCT
fsr-3890	65	1	it	it	PRON
fsr-3890	65	2	also	also	ADV
fsr-3890	65	3	has	have	AUX
fsr-3890	65	4	been	be	AUX
fsr-3890	65	5	recommended	recommend	VERB
fsr-3890	65	6	throughout	throughout	ADP
fsr-3890	65	7	the	the	DET
fsr-3890	65	8	literature	literature	NOUN
fsr-3890	65	9	that	that	PRON
fsr-3890	65	10	multidimensional	multidimensional	ADJ
fsr-3890	65	11	situations	situation	NOUN
fsr-3890	65	12	remain	remain	VERB
fsr-3890	65	13	within	within	ADP
fsr-3890	65	14	the	the	DET
fsr-3890	65	15	context	context	NOUN
fsr-3890	65	16	of	of	ADP
fsr-3890	65	17	personal	personal	ADJ
fsr-3890	65	18	finance	finance	NOUN
fsr-3890	65	19	rather	rather	ADV
fsr-3890	65	20	than	than	ADP
fsr-3890	65	21	including	include	VERB
fsr-3890	65	22	situations	situation	NOUN
fsr-3890	65	23	outside	outside	ADP
fsr-3890	65	24	the	the	DET
fsr-3890	65	25	realm	realm	NOUN
fsr-3890	65	26	of	of	ADP
fsr-3890	65	27	personal	personal	ADJ
fsr-3890	65	28	finance	finance	NOUN
fsr-3890	65	29	(	(	PUNCT
fsr-3890	65	30	rowland	rowland	NOUN
fsr-3890	65	31	,	,	PUNCT
fsr-3890	65	32	1996	1996	NUM
fsr-3890	65	33	)	)	PUNCT
fsr-3890	65	34	.	.	PUNCT
fsr-3890	66	1	roszkowski	roszkowski	PROPN
fsr-3890	66	2	and	and	CCONJ
fsr-3890	66	3	snelbecker	snelbecker	NOUN
fsr-3890	66	4	(	(	PUNCT
fsr-3890	66	5	1989	1989	NUM
fsr-3890	66	6	)	)	PUNCT
fsr-3890	66	7	found	find	VERB
fsr-3890	66	8	“	"	PUNCT
fsr-3890	66	9	that	that	PRON
fsr-3890	66	10	to	to	PART
fsr-3890	66	11	gauge	gauge	VERB
fsr-3890	66	12	risk	risk	NOUN
fsr-3890	66	13	-	-	PUNCT
fsr-3890	66	14	taking	take	VERB
fsr-3890	66	15	propensity	propensity	NOUN
fsr-3890	66	16	,	,	PUNCT
fsr-3890	66	17	it	it	PRON
fsr-3890	66	18	is	be	AUX
fsr-3890	66	19	necessary	necessary	ADJ
fsr-3890	66	20	to	to	PART
fsr-3890	66	21	ask	ask	VERB
fsr-3890	66	22	many	many	ADJ
fsr-3890	66	23	different	different	ADJ
fsr-3890	66	24	items	item	NOUN
fsr-3890	66	25	and	and	CCONJ
fsr-3890	66	26	to	to	PART
fsr-3890	66	27	integrate	integrate	VERB
fsr-3890	66	28	the	the	DET
fsr-3890	66	29	answers	answer	NOUN
fsr-3890	66	30	.	.	PUNCT
fsr-3890	67	1	diversifying	diversify	VERB
fsr-3890	67	2	the	the	DET
fsr-3890	67	3	items	item	NOUN
fsr-3890	67	4	used	use	VERB
fsr-3890	67	5	to	to	PART
fsr-3890	67	6	assess	assess	VERB
fsr-3890	67	7	risk	risk	NOUN
fsr-3890	67	8	tolerance	tolerance	NOUN
fsr-3890	67	9	is	be	AUX
fsr-3890	67	10	a	a	DET
fsr-3890	67	11	sound	sound	ADJ
fsr-3890	67	12	procedure	procedure	NOUN
fsr-3890	67	13	to	to	PART
fsr-3890	67	14	follow	follow	VERB
fsr-3890	67	15	”	"	PUNCT
fsr-3890	67	16	(	(	PUNCT
fsr-3890	67	17	roszkowski	roszkowski	NOUN
fsr-3890	67	18	and	and	CCONJ
fsr-3890	67	19	snelbecker	snelbecker	NOUN
fsr-3890	67	20	,	,	PUNCT
fsr-3890	67	21	1989	1989	NUM
fsr-3890	67	22	,	,	PUNCT
fsr-3890	67	23	p.	p.	NOUN
fsr-3890	67	24	118	118	NUM
fsr-3890	67	25	)	)	PUNCT
fsr-3890	67	26	;	;	PUNCT
fsr-3890	67	27	however	however	ADV
fsr-3890	67	28	,	,	PUNCT
fsr-3890	67	29	it	it	PRON
fsr-3890	67	30	is	be	AUX
fsr-3890	67	31	important	important	ADJ
fsr-3890	67	32	to	to	PART
fsr-3890	67	33	keep	keep	VERB
fsr-3890	67	34	in	in	ADP
fsr-3890	67	35	mind	mind	NOUN
fsr-3890	67	36	that	that	SCONJ
fsr-3890	67	37	a	a	DET
fsr-3890	67	38	questionnaire	questionnaire	NOUN
fsr-3890	67	39	need	need	AUX
fsr-3890	67	40	not	not	PART
fsr-3890	67	41	be	be	AUX
fsr-3890	67	42	too	too	ADV
fsr-3890	67	43	long	long	ADJ
fsr-3890	67	44	.	.	PUNCT
fsr-3890	68	1	roszkowski	roszkowski	NOUN
fsr-3890	68	2	and	and	CCONJ
fsr-3890	68	3	bean	bean	NOUN
fsr-3890	68	4	(	(	PUNCT
fsr-3890	68	5	1990	1990	NUM
fsr-3890	68	6	)	)	PUNCT
fsr-3890	68	7	,	,	PUNCT
fsr-3890	68	8	based	base	VERB
fsr-3890	68	9	on	on	ADP
fsr-3890	68	10	the	the	DET
fsr-3890	68	11	results	result	NOUN
fsr-3890	68	12	of	of	ADP
fsr-3890	68	13	a	a	DET
fsr-3890	68	14	comprehensive	comprehensive	ADJ
fsr-3890	68	15	review	review	NOUN
fsr-3890	68	16	of	of	ADP
fsr-3890	68	17	response	response	NOUN
fsr-3890	68	18	biases	bias	NOUN
fsr-3890	68	19	found	find	VERB
fsr-3890	68	20	in	in	ADP
fsr-3890	68	21	the	the	DET
fsr-3890	68	22	literature	literature	NOUN
fsr-3890	68	23	,	,	PUNCT
fsr-3890	68	24	concluded	conclude	VERB
fsr-3890	68	25	that	that	SCONJ
fsr-3890	68	26	questionnaire	questionnaire	NOUN
fsr-3890	68	27	length	length	NOUN
fsr-3890	68	28	is	be	AUX
fsr-3890	68	29	inversely	inversely	ADV
fsr-3890	68	30	related	relate	VERB
fsr-3890	68	31	to	to	ADP
fsr-3890	68	32	response	response	NOUN
fsr-3890	68	33	rate	rate	NOUN
fsr-3890	68	34	,	,	PUNCT
fsr-3890	68	35	and	and	CCONJ
fsr-3890	68	36	that	that	SCONJ
fsr-3890	68	37	shorter	short	ADJ
fsr-3890	68	38	questionnaires	questionnaire	NOUN
fsr-3890	68	39	are	be	AUX
fsr-3890	68	40	almost	almost	ADV
fsr-3890	68	41	always	always	ADV
fsr-3890	68	42	better	well	ADJ
fsr-3890	68	43	than	than	ADP
fsr-3890	68	44	longer	long	ADJ
fsr-3890	68	45	ones	one	NOUN
fsr-3890	68	46	.	.	PUNCT
fsr-3890	69	1	166	166	NUM
fsr-3890	69	2	j.	j.	PROPN
fsr-3890	69	3	grable	grable	PROPN
fsr-3890	69	4	,	,	PUNCT
fsr-3890	69	5	r.h	r.h	PROPN
fsr-3890	69	6	.	.	PROPN
fsr-3890	69	7	lytton	lytton	PROPN
fsr-3890	69	8	/	/	SYM
fsr-3890	69	9	financial	financial	ADJ
fsr-3890	69	10	services	service	NOUN
fsr-3890	69	11	review	review	VERB
fsr-3890	69	12	8	8	NUM
fsr-3890	69	13	(	(	PUNCT
fsr-3890	69	14	1999	1999	NUM
fsr-3890	69	15	)	)	PUNCT
fsr-3890	69	16	163–181	163–181	NUM
fsr-3890	69	17	2.2	2.2	NUM
fsr-3890	69	18	.	.	PUNCT
fsr-3890	70	1	a	a	DET
fsr-3890	70	2	review	review	NOUN
fsr-3890	70	3	of	of	ADP
fsr-3890	70	4	validity	validity	NOUN
fsr-3890	70	5	and	and	CCONJ
fsr-3890	70	6	reliability	reliability	NOUN
fsr-3890	70	7	issues	issue	NOUN
fsr-3890	70	8	the	the	DET
fsr-3890	70	9	concurrent	concurrent	ADJ
fsr-3890	70	10	issues	issue	NOUN
fsr-3890	70	11	of	of	ADP
fsr-3890	70	12	validity	validity	NOUN
fsr-3890	70	13	and	and	CCONJ
fsr-3890	70	14	reliability	reliability	NOUN
fsr-3890	70	15	play	play	VERB
fsr-3890	70	16	an	an	DET
fsr-3890	70	17	important	important	ADJ
fsr-3890	70	18	role	role	NOUN
fsr-3890	70	19	in	in	ADP
fsr-3890	70	20	the	the	DET
fsr-3890	70	21	development	development	NOUN
fsr-3890	70	22	of	of	ADP
fsr-3890	70	23	financial	financial	ADJ
fsr-3890	70	24	risk	risk	NOUN
fsr-3890	70	25	-	-	PUNCT
fsr-3890	70	26	tolerance	tolerance	NOUN
fsr-3890	70	27	assessment	assessment	NOUN
fsr-3890	70	28	instruments	instrument	NOUN
fsr-3890	70	29	(	(	PUNCT
fsr-3890	70	30	maccrimmon	maccrimmon	NOUN
fsr-3890	70	31	and	and	CCONJ
fsr-3890	70	32	wehrung	wehrung	PROPN
fsr-3890	70	33	,	,	PUNCT
fsr-3890	70	34	1986	1986	NUM
fsr-3890	70	35	;	;	PUNCT
fsr-3890	70	36	roszkowski	roszkowski	PROPN
fsr-3890	70	37	et	et	PROPN
fsr-3890	70	38	al	al	PROPN
fsr-3890	70	39	.	.	PROPN
fsr-3890	70	40	,	,	PUNCT
fsr-3890	70	41	1993	1993	NUM
fsr-3890	70	42	;	;	PUNCT
fsr-3890	70	43	roszkowski	roszkowski	NOUN
fsr-3890	70	44	,	,	PUNCT
fsr-3890	70	45	1995	1995	NUM
fsr-3890	70	46	)	)	PUNCT
fsr-3890	70	47	.	.	PUNCT
fsr-3890	71	1	the	the	DET
fsr-3890	71	2	following	follow	VERB
fsr-3890	71	3	discussion	discussion	NOUN
fsr-3890	71	4	provides	provide	VERB
fsr-3890	71	5	a	a	DET
fsr-3890	71	6	brief	brief	ADJ
fsr-3890	71	7	outline	outline	NOUN
fsr-3890	71	8	of	of	ADP
fsr-3890	71	9	validity	validity	NOUN
fsr-3890	71	10	and	and	CCONJ
fsr-3890	71	11	reliability	reliability	NOUN
fsr-3890	71	12	concepts	concept	NOUN
fsr-3890	71	13	as	as	SCONJ
fsr-3890	71	14	they	they	PRON
fsr-3890	71	15	relate	relate	VERB
fsr-3890	71	16	to	to	ADP
fsr-3890	71	17	the	the	DET
fsr-3890	71	18	development	development	NOUN
fsr-3890	71	19	of	of	ADP
fsr-3890	71	20	a	a	DET
fsr-3890	71	21	financial	financial	ADJ
fsr-3890	71	22	risk	risk	NOUN
fsr-3890	71	23	-	-	PUNCT
fsr-3890	71	24	tolerance	tolerance	NOUN
fsr-3890	71	25	assessment	assessment	NOUN
fsr-3890	71	26	instrument	instrument	NOUN
fsr-3890	71	27	.	.	PUNCT
fsr-3890	72	1	validity	validity	NOUN
fsr-3890	72	2	issues	issue	NOUN
fsr-3890	72	3	play	play	VERB
fsr-3890	72	4	a	a	DET
fsr-3890	72	5	critical	critical	ADJ
fsr-3890	72	6	role	role	NOUN
fsr-3890	72	7	in	in	ADP
fsr-3890	72	8	the	the	DET
fsr-3890	72	9	creation	creation	NOUN
fsr-3890	72	10	and	and	CCONJ
fsr-3890	72	11	use	use	NOUN
fsr-3890	72	12	of	of	ADP
fsr-3890	72	13	instruments	instrument	NOUN
fsr-3890	72	14	designed	design	VERB
fsr-3890	72	15	specifically	specifically	ADV
fsr-3890	72	16	to	to	PART
fsr-3890	72	17	predict	predict	VERB
fsr-3890	72	18	and	and	CCONJ
fsr-3890	72	19	measure	measure	VERB
fsr-3890	72	20	behavioral	behavioral	ADJ
fsr-3890	72	21	attitudes	attitude	NOUN
fsr-3890	72	22	(	(	PUNCT
fsr-3890	72	23	babbie	babbie	NOUN
fsr-3890	72	24	,	,	PUNCT
fsr-3890	72	25	1983	1983	NUM
fsr-3890	72	26	)	)	PUNCT
fsr-3890	72	27	.	.	PUNCT
fsr-3890	73	1	face	face	NOUN
fsr-3890	73	2	validity	validity	NOUN
fsr-3890	73	3	must	must	AUX
fsr-3890	73	4	be	be	AUX
fsr-3890	73	5	assured	assure	VERB
fsr-3890	73	6	by	by	ADP
fsr-3890	73	7	combining	combine	VERB
fsr-3890	73	8	,	,	PUNCT
fsr-3890	73	9	modifying	modifying	NOUN
fsr-3890	73	10	,	,	PUNCT
fsr-3890	73	11	and	and	CCONJ
fsr-3890	73	12	integrating	integrate	VERB
fsr-3890	73	13	successfully	successfully	ADV
fsr-3890	73	14	used	use	VERB
fsr-3890	73	15	financial	financial	ADJ
fsr-3890	73	16	risk	risk	NOUN
fsr-3890	73	17	-	-	PUNCT
fsr-3890	73	18	tolerance	tolerance	NOUN
fsr-3890	73	19	items	item	NOUN
fsr-3890	73	20	.	.	PUNCT
fsr-3890	74	1	these	these	DET
fsr-3890	74	2	types	type	NOUN
fsr-3890	74	3	of	of	ADP
fsr-3890	74	4	items	item	NOUN
fsr-3890	74	5	generally	generally	ADV
fsr-3890	74	6	emerge	emerge	VERB
fsr-3890	74	7	from	from	ADP
fsr-3890	74	8	a	a	DET
fsr-3890	74	9	review	review	NOUN
fsr-3890	74	10	of	of	ADP
fsr-3890	74	11	previous	previous	ADJ
fsr-3890	74	12	research	research	NOUN
fsr-3890	74	13	,	,	PUNCT
fsr-3890	74	14	but	but	CCONJ
fsr-3890	74	15	they	they	PRON
fsr-3890	74	16	may	may	AUX
fsr-3890	74	17	also	also	ADV
fsr-3890	74	18	be	be	AUX
fsr-3890	74	19	developed	develop	VERB
fsr-3890	74	20	from	from	ADP
fsr-3890	74	21	empirical	empirical	ADJ
fsr-3890	74	22	observation	observation	NOUN
fsr-3890	74	23	.	.	PUNCT
fsr-3890	75	1	it	it	PRON
fsr-3890	75	2	also	also	ADV
fsr-3890	75	3	is	be	AUX
fsr-3890	75	4	important	important	ADJ
fsr-3890	75	5	that	that	SCONJ
fsr-3890	75	6	an	an	DET
fsr-3890	75	7	instrument	instrument	NOUN
fsr-3890	75	8	obtain	obtain	VERB
fsr-3890	75	9	convergent	convergent	NOUN
fsr-3890	75	10	validity	validity	NOUN
fsr-3890	75	11	by	by	ADP
fsr-3890	75	12	comparing	compare	VERB
fsr-3890	75	13	different	different	ADJ
fsr-3890	75	14	measures	measure	NOUN
fsr-3890	75	15	of	of	ADP
fsr-3890	75	16	the	the	DET
fsr-3890	75	17	same	same	ADJ
fsr-3890	75	18	trait	trait	NOUN
fsr-3890	75	19	in	in	ADP
fsr-3890	75	20	tests	test	NOUN
fsr-3890	75	21	to	to	PART
fsr-3890	75	22	assure	assure	VERB
fsr-3890	75	23	that	that	SCONJ
fsr-3890	75	24	they	they	PRON
fsr-3890	75	25	are	be	AUX
fsr-3890	75	26	correlated	correlate	VERB
fsr-3890	75	27	significantly	significantly	ADV
fsr-3890	75	28	and	and	CCONJ
fsr-3890	75	29	substantially	substantially	ADV
fsr-3890	75	30	with	with	ADP
fsr-3890	75	31	one	one	NUM
fsr-3890	75	32	another	another	DET
fsr-3890	75	33	.	.	PUNCT
fsr-3890	76	1	if	if	SCONJ
fsr-3890	76	2	an	an	DET
fsr-3890	76	3	index	index	NOUN
fsr-3890	76	4	is	be	AUX
fsr-3890	76	5	created	create	VERB
fsr-3890	76	6	from	from	ADP
fsr-3890	76	7	answers	answer	NOUN
fsr-3890	76	8	obtained	obtain	VERB
fsr-3890	76	9	from	from	ADP
fsr-3890	76	10	an	an	DET
fsr-3890	76	11	instrument	instrument	NOUN
fsr-3890	76	12	,	,	PUNCT
fsr-3890	76	13	it	it	PRON
fsr-3890	76	14	is	be	AUX
fsr-3890	76	15	crucial	crucial	ADJ
fsr-3890	76	16	to	to	PART
fsr-3890	76	17	test	test	VERB
fsr-3890	76	18	for	for	ADP
fsr-3890	76	19	internal	internal	ADJ
fsr-3890	76	20	validation	validation	NOUN
fsr-3890	76	21	.	.	PUNCT
fsr-3890	77	1	internal	internal	ADJ
fsr-3890	77	2	validation	validation	NOUN
fsr-3890	77	3	assures	assure	VERB
fsr-3890	77	4	researchers	researcher	NOUN
fsr-3890	77	5	that	that	SCONJ
fsr-3890	77	6	a	a	DET
fsr-3890	77	7	relationship	relationship	NOUN
fsr-3890	77	8	between	between	ADP
fsr-3890	77	9	individual	individual	ADJ
fsr-3890	77	10	items	item	NOUN
fsr-3890	77	11	and	and	CCONJ
fsr-3890	77	12	the	the	DET
fsr-3890	77	13	measure	measure	NOUN
fsr-3890	77	14	itself	itself	PRON
fsr-3890	77	15	exists	exist	VERB
fsr-3890	77	16	.	.	PUNCT
fsr-3890	78	1	also	also	ADV
fsr-3890	78	2	of	of	ADP
fsr-3890	78	3	importance	importance	NOUN
fsr-3890	78	4	is	be	AUX
fsr-3890	78	5	the	the	DET
fsr-3890	78	6	consistency	consistency	NOUN
fsr-3890	78	7	offered	offer	VERB
fsr-3890	78	8	by	by	ADP
fsr-3890	78	9	an	an	DET
fsr-3890	78	10	instrument	instrument	NOUN
fsr-3890	78	11	.	.	PUNCT
fsr-3890	79	1	according	accord	VERB
fsr-3890	79	2	to	to	ADP
fsr-3890	79	3	pedhazur	pedhazur	NOUN
fsr-3890	79	4	(	(	PUNCT
fsr-3890	79	5	1982	1982	NUM
fsr-3890	79	6	)	)	PUNCT
fsr-3890	79	7	,	,	PUNCT
fsr-3890	79	8	in	in	ADP
fsr-3890	79	9	non	non	ADJ
fsr-3890	79	10	-	-	ADJ
fsr-3890	79	11	experimental	experimental	ADJ
fsr-3890	79	12	research	research	NOUN
fsr-3890	79	13	“	"	PUNCT
fsr-3890	79	14	the	the	DET
fsr-3890	79	15	reliability	reliability	NOUN
fsr-3890	79	16	of	of	ADP
fsr-3890	79	17	the	the	DET
fsr-3890	79	18	measure	measure	NOUN
fsr-3890	79	19	of	of	ADP
fsr-3890	79	20	the	the	DET
fsr-3890	79	21	independent	independent	ADJ
fsr-3890	79	22	variable	variable	NOUN
fsr-3890	79	23	tends	tend	VERB
fsr-3890	79	24	to	to	PART
fsr-3890	79	25	be	be	AUX
fsr-3890	79	26	low	low	ADJ
fsr-3890	79	27	to	to	AUX
fsr-3890	79	28	moderate	moderate	VERB
fsr-3890	79	29	(	(	PUNCT
fsr-3890	79	30	i.e.	i.e.	X
fsr-3890	79	31	,	,	PUNCT
fsr-3890	79	32	ranging	range	VERB
fsr-3890	79	33	from	from	ADP
fsr-3890	79	34	about	about	ADV
fsr-3890	79	35	0.5	0.5	NUM
fsr-3890	79	36	to	to	ADP
fsr-3890	79	37	about	about	ADV
fsr-3890	79	38	0.8	0.8	NUM
fsr-3890	79	39	)	)	PUNCT
fsr-3890	79	40	.	.	PUNCT
fsr-3890	80	1	this	this	PRON
fsr-3890	80	2	is	be	AUX
fsr-3890	80	3	particularly	particularly	ADV
fsr-3890	80	4	so	so	ADV
fsr-3890	80	5	with	with	ADP
fsr-3890	80	6	some	some	PRON
fsr-3890	80	7	of	of	ADP
fsr-3890	80	8	the	the	DET
fsr-3890	80	9	attributes	attribute	NOUN
fsr-3890	80	10	used	use	VERB
fsr-3890	80	11	in	in	ADP
fsr-3890	80	12	such	such	ADJ
fsr-3890	80	13	research	research	NOUN
fsr-3890	80	14	(	(	PUNCT
fsr-3890	80	15	e.g.	e.g.	ADV
fsr-3890	80	16	,	,	PUNCT
fsr-3890	80	17	cognitive	cognitive	ADJ
fsr-3890	80	18	styles	style	NOUN
fsr-3890	80	19	,	,	PUNCT
fsr-3890	80	20	self	self	NOUN
fsr-3890	80	21	-	-	PUNCT
fsr-3890	80	22	concept	concept	NOUN
fsr-3890	80	23	,	,	PUNCT
fsr-3890	80	24	ego	ego	NOUN
fsr-3890	80	25	strength	strength	NOUN
fsr-3890	80	26	,	,	PUNCT
fsr-3890	80	27	and	and	CCONJ
fsr-3890	80	28	attitudes	attitude	NOUN
fsr-3890	80	29	)	)	PUNCT
fsr-3890	80	30	.	.	PUNCT
fsr-3890	81	1	therefore	therefore	ADV
fsr-3890	81	2	,	,	PUNCT
fsr-3890	81	3	the	the	DET
fsr-3890	81	4	bias	bias	NOUN
fsr-3890	81	5	in	in	ADP
fsr-3890	81	6	estimating	estimate	VERB
fsr-3890	81	7	the	the	DET
fsr-3890	81	8	regression	regression	NOUN
fsr-3890	81	9	coefficient	coefficient	NOUN
fsr-3890	81	10	in	in	ADP
fsr-3890	81	11	non	non	ADJ
fsr-3890	81	12	-	-	ADJ
fsr-3890	81	13	experimental	experimental	ADJ
fsr-3890	81	14	research	research	NOUN
fsr-3890	81	15	may	may	AUX
fsr-3890	81	16	be	be	AUX
fsr-3890	81	17	considerable	considerable	ADJ
fsr-3890	81	18	”	"	PUNCT
fsr-3890	81	19	(	(	PUNCT
fsr-3890	81	20	pedhazur	pedhazur	NOUN
fsr-3890	81	21	,	,	PUNCT
fsr-3890	81	22	1982	1982	NUM
fsr-3890	81	23	,	,	PUNCT
fsr-3890	81	24	p.	p.	NOUN
fsr-3890	81	25	34	34	NUM
fsr-3890	81	26	)	)	PUNCT
fsr-3890	81	27	.	.	PUNCT
fsr-3890	82	1	this	this	PRON
fsr-3890	82	2	indicates	indicate	VERB
fsr-3890	82	3	that	that	SCONJ
fsr-3890	82	4	for	for	ADP
fsr-3890	82	5	a	a	DET
fsr-3890	82	6	“	"	PUNCT
fsr-3890	82	7	test	test	NOUN
fsr-3890	82	8	to	to	PART
fsr-3890	82	9	predict	predict	VERB
fsr-3890	82	10	criterion	criterion	NOUN
fsr-3890	82	11	,	,	PUNCT
fsr-3890	82	12	predictive	predictive	ADJ
fsr-3890	82	13	validity	validity	NOUN
fsr-3890	82	14	is	be	AUX
fsr-3890	82	15	more	more	ADV
fsr-3890	82	16	important	important	ADJ
fsr-3890	82	17	than	than	ADP
fsr-3890	82	18	reliability	reliability	NOUN
fsr-3890	82	19	”	"	PUNCT
fsr-3890	82	20	(	(	PUNCT
fsr-3890	82	21	isaac	isaac	PROPN
fsr-3890	82	22	and	and	CCONJ
fsr-3890	82	23	michael	michael	PROPN
fsr-3890	82	24	,	,	PUNCT
fsr-3890	82	25	1995	1995	NUM
fsr-3890	82	26	,	,	PUNCT
fsr-3890	82	27	p.	p.	NOUN
fsr-3890	82	28	131	131	NUM
fsr-3890	82	29	)	)	PUNCT
fsr-3890	82	30	.	.	PUNCT
fsr-3890	83	1	although	although	SCONJ
fsr-3890	83	2	reliability	reliability	NOUN
fsr-3890	83	3	plays	play	VERB
fsr-3890	83	4	a	a	DET
fsr-3890	83	5	secondary	secondary	ADJ
fsr-3890	83	6	role	role	NOUN
fsr-3890	83	7	,	,	PUNCT
fsr-3890	83	8	compared	compare	VERB
fsr-3890	83	9	to	to	ADP
fsr-3890	83	10	validity	validity	NOUN
fsr-3890	83	11	,	,	PUNCT
fsr-3890	83	12	when	when	SCONJ
fsr-3890	83	13	developing	develop	VERB
fsr-3890	83	14	a	a	DET
fsr-3890	83	15	financial	financial	ADJ
fsr-3890	83	16	risk	risk	NOUN
fsr-3890	83	17	-	-	PUNCT
fsr-3890	83	18	tolerance	tolerance	NOUN
fsr-3890	83	19	assessment	assessment	NOUN
fsr-3890	83	20	instrument	instrument	NOUN
fsr-3890	83	21	,	,	PUNCT
fsr-3890	83	22	it	it	PRON
fsr-3890	83	23	is	be	AUX
fsr-3890	83	24	still	still	ADV
fsr-3890	83	25	important	important	ADJ
fsr-3890	83	26	to	to	PART
fsr-3890	83	27	judge	judge	VERB
fsr-3890	83	28	an	an	DET
fsr-3890	83	29	instrument	instrument	NOUN
fsr-3890	83	30	by	by	ADP
fsr-3890	83	31	how	how	SCONJ
fsr-3890	83	32	consistently	consistently	ADV
fsr-3890	83	33	findings	finding	NOUN
fsr-3890	83	34	emerge	emerge	VERB
fsr-3890	83	35	from	from	ADP
fsr-3890	83	36	one	one	NUM
fsr-3890	83	37	measurement	measurement	NOUN
fsr-3890	83	38	to	to	ADP
fsr-3890	83	39	another	another	PRON
fsr-3890	83	40	.	.	PUNCT
fsr-3890	84	1	future	future	ADJ
fsr-3890	84	2	instruments	instrument	NOUN
fsr-3890	84	3	designed	design	VERB
fsr-3890	84	4	to	to	PART
fsr-3890	84	5	measure	measure	VERB
fsr-3890	84	6	risk	risk	NOUN
fsr-3890	84	7	-	-	PUNCT
fsr-3890	84	8	tolerance	tolerance	NOUN
fsr-3890	84	9	attitudes	attitude	NOUN
fsr-3890	84	10	should	should	AUX
fsr-3890	84	11	show	show	VERB
fsr-3890	84	12	alphas	alpha	NOUN
fsr-3890	84	13	in	in	ADP
fsr-3890	84	14	the	the	DET
fsr-3890	84	15	range	range	NOUN
fsr-3890	84	16	of	of	ADP
fsr-3890	84	17	0.5	0.5	NUM
fsr-3890	84	18	to	to	PART
fsr-3890	84	19	0.8	0.8	NUM
fsr-3890	84	20	,	,	PUNCT
fsr-3890	84	21	with	with	ADP
fsr-3890	84	22	a	a	DET
fsr-3890	84	23	correspondingly	correspondingly	ADV
fsr-3890	84	24	high	high	ADJ
fsr-3890	84	25	criterion	criterion	NOUN
fsr-3890	84	26	-	-	PUNCT
fsr-3890	84	27	related	relate	VERB
fsr-3890	84	28	validity	validity	NOUN
fsr-3890	84	29	(	(	PUNCT
fsr-3890	84	30	henerson	henerson	PROPN
fsr-3890	84	31	,	,	PUNCT
fsr-3890	84	32	morris	morris	PROPN
fsr-3890	84	33	,	,	PUNCT
fsr-3890	84	34	and	and	CCONJ
fsr-3890	84	35	fitz	fitz	PROPN
fsr-3890	84	36	–	–	PUNCT
fsr-3890	84	37	gibbon	gibbon	PROPN
fsr-3890	84	38	,	,	PUNCT
fsr-3890	84	39	1987	1987	NUM
fsr-3890	84	40	;	;	PUNCT
fsr-3890	84	41	isaac	isaac	PROPN
fsr-3890	84	42	and	and	CCONJ
fsr-3890	84	43	michael	michael	PROPN
fsr-3890	84	44	,	,	PUNCT
fsr-3890	84	45	1995	1995	NUM
fsr-3890	84	46	;	;	PUNCT
fsr-3890	84	47	pedhazur	pedhazur	NOUN
fsr-3890	84	48	,	,	PUNCT
fsr-3890	84	49	1982	1982	NUM
fsr-3890	84	50	)	)	PUNCT
fsr-3890	84	51	.	.	PUNCT
fsr-3890	85	1	2.3	2.3	NUM
fsr-3890	85	2	.	.	PUNCT
fsr-3890	86	1	summary	summary	VERB
fsr-3890	86	2	the	the	DET
fsr-3890	86	3	literature	literature	NOUN
fsr-3890	86	4	suggests	suggest	VERB
fsr-3890	86	5	that	that	SCONJ
fsr-3890	86	6	a	a	DET
fsr-3890	86	7	financial	financial	ADJ
fsr-3890	86	8	risk	risk	NOUN
fsr-3890	86	9	-	-	PUNCT
fsr-3890	86	10	tolerance	tolerance	NOUN
fsr-3890	86	11	assessment	assessment	NOUN
fsr-3890	86	12	instrument	instrument	NOUN
fsr-3890	86	13	must	must	AUX
fsr-3890	86	14	include	include	VERB
fsr-3890	86	15	at	at	ADV
fsr-3890	86	16	least	least	ADV
fsr-3890	86	17	five	five	NUM
fsr-3890	86	18	elements	element	NOUN
fsr-3890	86	19	:	:	PUNCT
fsr-3890	86	20	1	1	X
fsr-3890	86	21	)	)	PUNCT
fsr-3890	86	22	some	some	DET
fsr-3890	86	23	central	central	ADJ
fsr-3890	86	24	concept	concept	NOUN
fsr-3890	86	25	of	of	ADP
fsr-3890	86	26	risk	risk	NOUN
fsr-3890	86	27	,	,	PUNCT
fsr-3890	86	28	2	2	X
fsr-3890	86	29	)	)	PUNCT
fsr-3890	86	30	allowance	allowance	NOUN
fsr-3890	86	31	for	for	ADP
fsr-3890	86	32	the	the	DET
fsr-3890	86	33	derivation	derivation	NOUN
fsr-3890	86	34	of	of	ADP
fsr-3890	86	35	a	a	DET
fsr-3890	86	36	risk	risk	NOUN
fsr-3890	86	37	measure	measure	NOUN
fsr-3890	86	38	,	,	PUNCT
fsr-3890	86	39	3	3	X
fsr-3890	86	40	)	)	PUNCT
fsr-3890	86	41	relevance	relevance	NOUN
fsr-3890	86	42	to	to	ADP
fsr-3890	86	43	respondents	respondent	NOUN
fsr-3890	86	44	,	,	PUNCT
fsr-3890	86	45	4	4	X
fsr-3890	86	46	)	)	PUNCT
fsr-3890	86	47	ease	ease	NOUN
fsr-3890	86	48	of	of	ADP
fsr-3890	86	49	administration	administration	NOUN
fsr-3890	86	50	,	,	PUNCT
fsr-3890	86	51	and	and	CCONJ
fsr-3890	86	52	5	5	NUM
fsr-3890	86	53	)	)	PUNCT
fsr-3890	86	54	adequate	adequate	ADJ
fsr-3890	86	55	validity	validity	NOUN
fsr-3890	86	56	and	and	CCONJ
fsr-3890	86	57	reliability	reliability	NOUN
fsr-3890	86	58	(	(	PUNCT
fsr-3890	86	59	maccrimmon	maccrimmon	NOUN
fsr-3890	86	60	and	and	CCONJ
fsr-3890	86	61	wehrung	wehrung	PROPN
fsr-3890	86	62	,	,	PUNCT
fsr-3890	86	63	1986	1986	NUM
fsr-3890	86	64	)	)	PUNCT
fsr-3890	86	65	.	.	PUNCT
fsr-3890	87	1	assessment	assessment	NOUN
fsr-3890	87	2	items	item	NOUN
fsr-3890	87	3	used	use	VERB
fsr-3890	87	4	within	within	ADP
fsr-3890	87	5	an	an	DET
fsr-3890	87	6	instrument	instrument	NOUN
fsr-3890	87	7	must	must	AUX
fsr-3890	87	8	also	also	ADV
fsr-3890	87	9	meet	meet	VERB
fsr-3890	87	10	several	several	ADJ
fsr-3890	87	11	other	other	ADJ
fsr-3890	87	12	requirements	requirement	NOUN
fsr-3890	87	13	as	as	SCONJ
fsr-3890	87	14	suggested	suggest	VERB
fsr-3890	87	15	by	by	ADP
fsr-3890	87	16	maccrimmon	maccrimmon	NOUN
fsr-3890	87	17	and	and	CCONJ
fsr-3890	87	18	wehrung	wehrung	PROPN
fsr-3890	87	19	:	:	PUNCT
fsr-3890	87	20	1	1	X
fsr-3890	87	21	)	)	PUNCT
fsr-3890	87	22	cover	cover	VERB
fsr-3890	87	23	a	a	DET
fsr-3890	87	24	variety	variety	NOUN
fsr-3890	87	25	of	of	ADP
fsr-3890	87	26	risky	risky	ADJ
fsr-3890	87	27	financial	financial	ADJ
fsr-3890	87	28	situations	situation	NOUN
fsr-3890	87	29	in	in	ADP
fsr-3890	87	30	a	a	DET
fsr-3890	87	31	multidimensional	multidimensional	ADJ
fsr-3890	87	32	manner	manner	NOUN
fsr-3890	87	33	including	include	VERB
fsr-3890	87	34	standard	standard	ADJ
fsr-3890	87	35	versus	versus	ADP
fsr-3890	87	36	natural	natural	ADJ
fsr-3890	87	37	occurring	occur	VERB
fsr-3890	87	38	risks	risk	NOUN
fsr-3890	87	39	,	,	PUNCT
fsr-3890	87	40	behaviors	behavior	NOUN
fsr-3890	87	41	,	,	PUNCT
fsr-3890	87	42	attitudes	attitude	NOUN
fsr-3890	87	43	,	,	PUNCT
fsr-3890	87	44	threats	threat	NOUN
fsr-3890	87	45	,	,	PUNCT
fsr-3890	87	46	opportunities	opportunity	NOUN
fsr-3890	87	47	,	,	PUNCT
fsr-3890	87	48	and	and	CCONJ
fsr-3890	87	49	simple	simple	ADJ
fsr-3890	87	50	versus	versus	ADP
fsr-3890	87	51	complex	complex	ADJ
fsr-3890	87	52	situations	situation	NOUN
fsr-3890	87	53	;	;	PUNCT
fsr-3890	87	54	2	2	X
fsr-3890	87	55	)	)	PUNCT
fsr-3890	87	56	be	be	AUX
fsr-3890	87	57	consistent	consistent	ADJ
fsr-3890	87	58	and	and	CCONJ
fsr-3890	87	59	non	non	ADJ
fsr-3890	87	60	-	-	ADJ
fsr-3890	87	61	redundant	redundant	ADJ
fsr-3890	87	62	;	;	PUNCT
fsr-3890	87	63	3	3	X
fsr-3890	87	64	)	)	PUNCT
fsr-3890	87	65	be	be	AUX
fsr-3890	87	66	interesting	interesting	ADJ
fsr-3890	87	67	to	to	PART
fsr-3890	87	68	complete	complete	VERB
fsr-3890	87	69	;	;	PUNCT
fsr-3890	87	70	and	and	CCONJ
fsr-3890	87	71	4	4	X
fsr-3890	87	72	)	)	PUNCT
fsr-3890	87	73	take	take	VERB
fsr-3890	87	74	a	a	DET
fsr-3890	87	75	limited	limited	ADJ
fsr-3890	87	76	amount	amount	NOUN
fsr-3890	87	77	of	of	ADP
fsr-3890	87	78	time	time	NOUN
fsr-3890	87	79	to	to	PART
fsr-3890	87	80	complete	complete	VERB
fsr-3890	87	81	.	.	PUNCT
fsr-3890	88	1	of	of	ADP
fsr-3890	88	2	course	course	NOUN
fsr-3890	88	3	,	,	PUNCT
fsr-3890	88	4	an	an	DET
fsr-3890	88	5	instrument	instrument	NOUN
fsr-3890	88	6	must	must	AUX
fsr-3890	88	7	also	also	ADV
fsr-3890	88	8	show	show	VERB
fsr-3890	88	9	a	a	DET
fsr-3890	88	10	high	high	ADJ
fsr-3890	88	11	degree	degree	NOUN
fsr-3890	88	12	of	of	ADP
fsr-3890	88	13	validity	validity	NOUN
fsr-3890	88	14	and	and	CCONJ
fsr-3890	88	15	reliability	reliability	NOUN
fsr-3890	88	16	.	.	PUNCT
fsr-3890	89	1	together	together	ADV
fsr-3890	89	2	the	the	DET
fsr-3890	89	3	issues	issue	NOUN
fsr-3890	89	4	that	that	PRON
fsr-3890	89	5	guide	guide	VERB
fsr-3890	89	6	the	the	DET
fsr-3890	89	7	167j	167j	PROPN
fsr-3890	89	8	.	.	PUNCT
fsr-3890	90	1	grable	grable	PROPN
fsr-3890	90	2	,	,	PUNCT
fsr-3890	90	3	r.h	r.h	PROPN
fsr-3890	90	4	.	.	PROPN
fsr-3890	90	5	lytton	lytton	PROPN
fsr-3890	90	6	/	/	SYM
fsr-3890	90	7	financial	financial	ADJ
fsr-3890	90	8	services	service	NOUN
fsr-3890	90	9	review	review	VERB
fsr-3890	90	10	8	8	NUM
fsr-3890	90	11	(	(	PUNCT
fsr-3890	90	12	1999	1999	NUM
fsr-3890	90	13	)	)	PUNCT
fsr-3890	91	1	163–181	163–181	NUM
fsr-3890	91	2	development	development	NOUN
fsr-3890	91	3	of	of	ADP
fsr-3890	91	4	any	any	DET
fsr-3890	91	5	measurement	measurement	NOUN
fsr-3890	91	6	index	index	NOUN
fsr-3890	91	7	,	,	PUNCT
fsr-3890	91	8	as	as	ADV
fsr-3890	91	9	well	well	ADV
fsr-3890	91	10	as	as	ADP
fsr-3890	91	11	those	those	DET
fsr-3890	91	12	issues	issue	NOUN
fsr-3890	91	13	unique	unique	ADJ
fsr-3890	91	14	to	to	ADP
fsr-3890	91	15	measuring	measure	VERB
fsr-3890	91	16	the	the	DET
fsr-3890	91	17	construct	construct	NOUN
fsr-3890	91	18	of	of	ADP
fsr-3890	91	19	financial	financial	ADJ
fsr-3890	91	20	risk	risk	NOUN
fsr-3890	91	21	tolerance	tolerance	NOUN
fsr-3890	91	22	,	,	PUNCT
fsr-3890	91	23	should	should	AUX
fsr-3890	91	24	serve	serve	VERB
fsr-3890	91	25	as	as	ADP
fsr-3890	91	26	a	a	DET
fsr-3890	91	27	starting	starting	NOUN
fsr-3890	91	28	point	point	NOUN
fsr-3890	91	29	in	in	ADP
fsr-3890	91	30	the	the	DET
fsr-3890	91	31	development	development	NOUN
fsr-3890	91	32	of	of	ADP
fsr-3890	91	33	an	an	DET
fsr-3890	91	34	assessment	assessment	NOUN
fsr-3890	91	35	instrument	instrument	NOUN
fsr-3890	91	36	.	.	PUNCT
fsr-3890	92	1	3	3	X
fsr-3890	92	2	.	.	X
fsr-3890	92	3	the	the	DET
fsr-3890	92	4	development	development	NOUN
fsr-3890	92	5	and	and	CCONJ
fsr-3890	92	6	testing	testing	NOUN
fsr-3890	92	7	of	of	ADP
fsr-3890	92	8	an	an	DET
fsr-3890	92	9	instrument	instrument	NOUN
fsr-3890	92	10	the	the	DET
fsr-3890	92	11	following	follow	VERB
fsr-3890	92	12	process	process	NOUN
fsr-3890	92	13	,	,	PUNCT
fsr-3890	92	14	as	as	SCONJ
fsr-3890	92	15	originally	originally	ADV
fsr-3890	92	16	outlined	outline	VERB
fsr-3890	92	17	by	by	ADP
fsr-3890	92	18	babbie	babbie	PROPN
fsr-3890	92	19	(	(	PUNCT
fsr-3890	92	20	1983	1983	NUM
fsr-3890	92	21	)	)	PUNCT
fsr-3890	92	22	,	,	PUNCT
fsr-3890	92	23	was	be	AUX
fsr-3890	92	24	used	use	VERB
fsr-3890	92	25	as	as	ADP
fsr-3890	92	26	the	the	DET
fsr-3890	92	27	framework	framework	NOUN
fsr-3890	92	28	for	for	ADP
fsr-3890	92	29	the	the	DET
fsr-3890	92	30	development	development	NOUN
fsr-3890	92	31	and	and	CCONJ
fsr-3890	92	32	testing	testing	NOUN
fsr-3890	92	33	of	of	ADP
fsr-3890	92	34	the	the	DET
fsr-3890	92	35	instrument	instrument	NOUN
fsr-3890	92	36	presented	present	VERB
fsr-3890	92	37	in	in	ADP
fsr-3890	92	38	this	this	DET
fsr-3890	92	39	paper	paper	NOUN
fsr-3890	92	40	.	.	PUNCT
fsr-3890	93	1	babbie	babbie	PROPN
fsr-3890	93	2	recommended	recommend	VERB
fsr-3890	93	3	that	that	SCONJ
fsr-3890	93	4	an	an	DET
fsr-3890	93	5	instrument	instrument	NOUN
fsr-3890	93	6	be	be	AUX
fsr-3890	93	7	created	create	VERB
fsr-3890	93	8	by	by	ADP
fsr-3890	93	9	1	1	NUM
fsr-3890	93	10	)	)	PUNCT
fsr-3890	93	11	selecting	select	VERB
fsr-3890	93	12	items	item	NOUN
fsr-3890	93	13	for	for	ADP
fsr-3890	93	14	an	an	DET
fsr-3890	93	15	instrument	instrument	NOUN
fsr-3890	93	16	,	,	PUNCT
fsr-3890	93	17	2	2	X
fsr-3890	93	18	)	)	PUNCT
fsr-3890	93	19	conducting	conduct	VERB
fsr-3890	93	20	an	an	DET
fsr-3890	93	21	item	item	NOUN
fsr-3890	93	22	analysis	analysis	NOUN
fsr-3890	93	23	,	,	PUNCT
fsr-3890	93	24	3	3	X
fsr-3890	93	25	)	)	PUNCT
fsr-3890	93	26	creating	create	VERB
fsr-3890	93	27	index	index	NOUN
fsr-3890	93	28	scores	score	NOUN
fsr-3890	93	29	,	,	PUNCT
fsr-3890	93	30	and	and	CCONJ
fsr-3890	93	31	4	4	X
fsr-3890	93	32	)	)	PUNCT
fsr-3890	93	33	testing	testing	NOUN
fsr-3890	93	34	for	for	ADP
fsr-3890	93	35	index	index	NOUN
fsr-3890	93	36	and	and	CCONJ
fsr-3890	93	37	instrument	instrument	NOUN
fsr-3890	93	38	validity	validity	NOUN
fsr-3890	93	39	and	and	CCONJ
fsr-3890	93	40	reliability	reliability	NOUN
fsr-3890	93	41	.	.	PUNCT
fsr-3890	94	1	during	during	ADP
fsr-3890	94	2	the	the	DET
fsr-3890	94	3	initial	initial	ADJ
fsr-3890	94	4	development	development	NOUN
fsr-3890	94	5	stage	stage	NOUN
fsr-3890	94	6	of	of	ADP
fsr-3890	94	7	the	the	DET
fsr-3890	94	8	instrument	instrument	NOUN
fsr-3890	94	9	over	over	ADP
fsr-3890	94	10	100	100	NUM
fsr-3890	94	11	assessment	assessment	NOUN
fsr-3890	94	12	items	item	NOUN
fsr-3890	94	13	were	be	AUX
fsr-3890	94	14	originally	originally	ADV
fsr-3890	94	15	selected	select	VERB
fsr-3890	94	16	from	from	ADP
fsr-3890	94	17	a	a	DET
fsr-3890	94	18	review	review	NOUN
fsr-3890	94	19	of	of	ADP
fsr-3890	94	20	academic	academic	ADJ
fsr-3890	94	21	and	and	CCONJ
fsr-3890	94	22	trade	trade	NOUN
fsr-3890	94	23	publications	publication	NOUN
fsr-3890	94	24	.	.	PUNCT
fsr-3890	95	1	the	the	DET
fsr-3890	95	2	face	face	NOUN
fsr-3890	95	3	validity	validity	NOUN
fsr-3890	95	4	of	of	ADP
fsr-3890	95	5	these	these	DET
fsr-3890	95	6	initial	initial	ADJ
fsr-3890	95	7	items	item	NOUN
fsr-3890	95	8	was	be	AUX
fsr-3890	95	9	examined	examine	VERB
fsr-3890	95	10	by	by	ADP
fsr-3890	95	11	the	the	DET
fsr-3890	95	12	researchers	researcher	NOUN
fsr-3890	95	13	.	.	PUNCT
fsr-3890	96	1	items	item	NOUN
fsr-3890	96	2	that	that	PRON
fsr-3890	96	3	appeared	appear	VERB
fsr-3890	96	4	to	to	PART
fsr-3890	96	5	measure	measure	VERB
fsr-3890	96	6	something	something	PRON
fsr-3890	96	7	other	other	ADJ
fsr-3890	96	8	than	than	ADP
fsr-3890	96	9	financial	financial	ADJ
fsr-3890	96	10	risk	risk	NOUN
fsr-3890	96	11	tolerance	tolerance	NOUN
fsr-3890	96	12	(	(	PUNCT
fsr-3890	96	13	e.g.	e.g.	ADV
fsr-3890	96	14	,	,	PUNCT
fsr-3890	96	15	preferences	preference	NOUN
fsr-3890	96	16	for	for	ADP
fsr-3890	96	17	general	general	ADJ
fsr-3890	96	18	risk	risk	NOUN
fsr-3890	96	19	seeking	seeking	NOUN
fsr-3890	96	20	,	,	PUNCT
fsr-3890	96	21	tolerances	tolerance	NOUN
fsr-3890	96	22	for	for	ADP
fsr-3890	96	23	physical	physical	ADJ
fsr-3890	96	24	pain	pain	NOUN
fsr-3890	96	25	,	,	PUNCT
fsr-3890	96	26	etc	etc	X
fsr-3890	96	27	.	.	X
fsr-3890	96	28	)	)	PUNCT
fsr-3890	96	29	were	be	AUX
fsr-3890	96	30	eliminated	eliminate	VERB
fsr-3890	96	31	;	;	PUNCT
fsr-3890	96	32	however	however	ADV
fsr-3890	96	33	,	,	PUNCT
fsr-3890	96	34	special	special	ADJ
fsr-3890	96	35	attention	attention	NOUN
fsr-3890	96	36	was	be	AUX
fsr-3890	96	37	made	make	VERB
fsr-3890	96	38	to	to	PART
fsr-3890	96	39	assure	assure	VERB
fsr-3890	96	40	that	that	SCONJ
fsr-3890	96	41	subtle	subtle	ADJ
fsr-3890	96	42	differences	difference	NOUN
fsr-3890	96	43	in	in	ADP
fsr-3890	96	44	financial	financial	ADJ
fsr-3890	96	45	risk	risk	NOUN
fsr-3890	96	46	tolerance	tolerance	NOUN
fsr-3890	96	47	,	,	PUNCT
fsr-3890	96	48	such	such	DET
fsr-3890	96	49	an	an	DET
fsr-3890	96	50	investment	investment	NOUN
fsr-3890	96	51	risks	risk	NOUN
fsr-3890	96	52	and	and	CCONJ
fsr-3890	96	53	gambles	gamble	NOUN
fsr-3890	96	54	,	,	PUNCT
fsr-3890	96	55	were	be	AUX
fsr-3890	96	56	represented	represent	VERB
fsr-3890	96	57	.	.	PUNCT
fsr-3890	97	1	using	use	VERB
fsr-3890	97	2	this	this	DET
fsr-3890	97	3	method	method	NOUN
fsr-3890	97	4	the	the	DET
fsr-3890	97	5	original	original	ADJ
fsr-3890	97	6	100	100	NUM
fsr-3890	97	7	items	item	NOUN
fsr-3890	97	8	were	be	AUX
fsr-3890	97	9	reduced	reduce	VERB
fsr-3890	97	10	to	to	ADP
fsr-3890	97	11	50	50	NUM
fsr-3890	97	12	.	.	PUNCT
fsr-3890	98	1	using	use	VERB
fsr-3890	98	2	a	a	DET
fsr-3890	98	3	pilot	pilot	NOUN
fsr-3890	98	4	study	study	NOUN
fsr-3890	98	5	of	of	ADP
fsr-3890	98	6	undergraduate	undergraduate	NOUN
fsr-3890	98	7	and	and	CCONJ
fsr-3890	98	8	graduate	graduate	NOUN
fsr-3890	98	9	students	student	NOUN
fsr-3890	98	10	,	,	PUNCT
fsr-3890	98	11	data	datum	NOUN
fsr-3890	98	12	were	be	AUX
fsr-3890	98	13	obtained	obtain	VERB
fsr-3890	98	14	to	to	PART
fsr-3890	98	15	examine	examine	VERB
fsr-3890	98	16	relationships	relationship	NOUN
fsr-3890	98	17	among	among	ADP
fsr-3890	98	18	the	the	DET
fsr-3890	98	19	remaining	remain	VERB
fsr-3890	98	20	50	50	NUM
fsr-3890	98	21	assessment	assessment	NOUN
fsr-3890	98	22	items	item	NOUN
fsr-3890	98	23	.	.	PUNCT
fsr-3890	99	1	it	it	PRON
fsr-3890	99	2	was	be	AUX
fsr-3890	99	3	assumed	assume	VERB
fsr-3890	99	4	that	that	SCONJ
fsr-3890	99	5	these	these	DET
fsr-3890	99	6	items	item	NOUN
fsr-3890	99	7	were	be	AUX
fsr-3890	99	8	valid	valid	ADJ
fsr-3890	99	9	on	on	ADP
fsr-3890	99	10	their	their	PRON
fsr-3890	99	11	face	face	NOUN
fsr-3890	99	12	,	,	PUNCT
fsr-3890	99	13	and	and	CCONJ
fsr-3890	99	14	that	that	SCONJ
fsr-3890	99	15	the	the	DET
fsr-3890	99	16	items	item	NOUN
fsr-3890	99	17	were	be	AUX
fsr-3890	99	18	related	relate	VERB
fsr-3890	99	19	to	to	ADP
fsr-3890	99	20	one	one	NUM
fsr-3890	99	21	another	another	DET
fsr-3890	99	22	empirically	empirically	ADV
fsr-3890	99	23	.	.	PUNCT
fsr-3890	100	1	this	this	DET
fsr-3890	100	2	assumption	assumption	NOUN
fsr-3890	100	3	was	be	AUX
fsr-3890	100	4	based	base	VERB
fsr-3890	100	5	on	on	ADP
fsr-3890	100	6	the	the	DET
fsr-3890	100	7	understanding	understanding	NOUN
fsr-3890	100	8	that	that	PRON
fsr-3890	100	9	the	the	DET
fsr-3890	100	10	majority	majority	NOUN
fsr-3890	100	11	of	of	ADP
fsr-3890	100	12	the	the	DET
fsr-3890	100	13	items	item	NOUN
fsr-3890	100	14	were	be	AUX
fsr-3890	100	15	selected	select	VERB
fsr-3890	100	16	from	from	ADP
fsr-3890	100	17	practitioner	practitioner	NOUN
fsr-3890	100	18	sources	source	NOUN
fsr-3890	100	19	(	(	PUNCT
fsr-3890	100	20	e.g.	e.g.	ADV
fsr-3890	100	21	,	,	PUNCT
fsr-3890	100	22	financial	financial	ADJ
fsr-3890	100	23	planning	planning	NOUN
fsr-3890	100	24	trade	trade	NOUN
fsr-3890	100	25	publications	publication	NOUN
fsr-3890	100	26	and	and	CCONJ
fsr-3890	100	27	in	in	ADP
fsr-3890	100	28	-	-	PUNCT
fsr-3890	100	29	house	house	NOUN
fsr-3890	100	30	brokerage	brokerage	NOUN
fsr-3890	100	31	assessments	assessment	NOUN
fsr-3890	100	32	)	)	PUNCT
fsr-3890	100	33	,	,	PUNCT
fsr-3890	100	34	and	and	CCONJ
fsr-3890	100	35	that	that	SCONJ
fsr-3890	100	36	as	as	ADP
fsr-3890	100	37	such	such	ADJ
fsr-3890	100	38	,	,	PUNCT
fsr-3890	100	39	the	the	DET
fsr-3890	100	40	items	item	NOUN
fsr-3890	100	41	were	be	AUX
fsr-3890	100	42	useful	useful	ADJ
fsr-3890	100	43	in	in	ADP
fsr-3890	100	44	assisting	assist	VERB
fsr-3890	100	45	financial	financial	ADJ
fsr-3890	100	46	planners	planner	NOUN
fsr-3890	100	47	and	and	CCONJ
fsr-3890	100	48	their	their	PRON
fsr-3890	100	49	clients	client	NOUN
fsr-3890	100	50	in	in	ADP
fsr-3890	100	51	assessing	assess	VERB
fsr-3890	100	52	risk	risk	NOUN
fsr-3890	100	53	-	-	PUNCT
fsr-3890	100	54	tolerance	tolerance	NOUN
fsr-3890	100	55	attitudes	attitude	NOUN
fsr-3890	100	56	.	.	PUNCT
fsr-3890	101	1	the	the	DET
fsr-3890	101	2	data	datum	NOUN
fsr-3890	101	3	were	be	AUX
fsr-3890	101	4	used	use	VERB
fsr-3890	101	5	to	to	PART
fsr-3890	101	6	conduct	conduct	VERB
fsr-3890	101	7	bivariate	bivariate	ADJ
fsr-3890	101	8	and	and	CCONJ
fsr-3890	101	9	multivariate	multivariate	NOUN
fsr-3890	101	10	item	item	NOUN
fsr-3890	101	11	analyses	analysis	NOUN
fsr-3890	101	12	.	.	PUNCT
fsr-3890	102	1	a	a	DET
fsr-3890	102	2	bivariate	bivariate	ADJ
fsr-3890	102	3	item	item	NOUN
fsr-3890	102	4	analysis	analysis	NOUN
fsr-3890	102	5	was	be	AUX
fsr-3890	102	6	conducted	conduct	VERB
fsr-3890	102	7	to	to	PART
fsr-3890	102	8	assure	assure	VERB
fsr-3890	102	9	that	that	SCONJ
fsr-3890	102	10	items	item	NOUN
fsr-3890	102	11	were	be	AUX
fsr-3890	102	12	empirically	empirically	ADV
fsr-3890	102	13	related	relate	VERB
fsr-3890	102	14	to	to	ADP
fsr-3890	102	15	each	each	DET
fsr-3890	102	16	other	other	ADJ
fsr-3890	102	17	.	.	PUNCT
fsr-3890	103	1	correlation	correlation	NOUN
fsr-3890	103	2	coefficients	coefficient	NOUN
fsr-3890	103	3	were	be	AUX
fsr-3890	103	4	developed	develop	VERB
fsr-3890	103	5	for	for	ADP
fsr-3890	103	6	each	each	DET
fsr-3890	103	7	pair	pair	NOUN
fsr-3890	103	8	of	of	ADP
fsr-3890	103	9	the	the	DET
fsr-3890	103	10	50	50	NUM
fsr-3890	103	11	items	item	NOUN
fsr-3890	103	12	.	.	PUNCT
fsr-3890	104	1	it	it	PRON
fsr-3890	104	2	was	be	AUX
fsr-3890	104	3	hypothesized	hypothesize	VERB
fsr-3890	104	4	that	that	SCONJ
fsr-3890	104	5	respondents	respondent	NOUN
fsr-3890	104	6	who	who	PRON
fsr-3890	104	7	appeared	appear	VERB
fsr-3890	104	8	highly	highly	ADV
fsr-3890	104	9	risk	risk	NOUN
fsr-3890	104	10	tolerant	tolerant	ADJ
fsr-3890	104	11	on	on	ADP
fsr-3890	104	12	one	one	NUM
fsr-3890	104	13	item	item	NOUN
fsr-3890	104	14	should	should	AUX
fsr-3890	104	15	also	also	ADV
fsr-3890	104	16	appear	appear	VERB
fsr-3890	104	17	highly	highly	ADV
fsr-3890	104	18	risk	risk	NOUN
fsr-3890	104	19	tolerant	tolerant	ADJ
fsr-3890	104	20	on	on	ADP
fsr-3890	104	21	the	the	DET
fsr-3890	104	22	other	other	ADJ
fsr-3890	104	23	items	item	NOUN
fsr-3890	104	24	.	.	PUNCT
fsr-3890	105	1	items	item	NOUN
fsr-3890	105	2	that	that	PRON
fsr-3890	105	3	showed	show	VERB
fsr-3890	105	4	inconsistency	inconsistency	NOUN
fsr-3890	105	5	in	in	ADP
fsr-3890	105	6	correlation	correlation	NOUN
fsr-3890	105	7	’s	’s	PART
fsr-3890	105	8	(	(	PUNCT
fsr-3890	105	9	i.e.	i.e.	X
fsr-3890	105	10	,	,	PUNCT
fsr-3890	105	11	respondents	respondent	NOUN
fsr-3890	105	12	who	who	PRON
fsr-3890	105	13	were	be	AUX
fsr-3890	105	14	generally	generally	ADV
fsr-3890	105	15	highly	highly	ADV
fsr-3890	105	16	risk	risk	NOUN
fsr-3890	105	17	tolerant	tolerant	ADJ
fsr-3890	105	18	tended	tend	VERB
fsr-3890	105	19	to	to	PART
fsr-3890	105	20	be	be	AUX
fsr-3890	105	21	less	less	ADJ
fsr-3890	105	22	risk	risk	NOUN
fsr-3890	105	23	tolerant	tolerant	ADJ
fsr-3890	105	24	on	on	ADP
fsr-3890	105	25	an	an	DET
fsr-3890	105	26	item	item	NOUN
fsr-3890	105	27	)	)	PUNCT
fsr-3890	105	28	were	be	AUX
fsr-3890	105	29	removed	remove	VERB
fsr-3890	105	30	from	from	ADP
fsr-3890	105	31	the	the	DET
fsr-3890	105	32	pool	pool	NOUN
fsr-3890	105	33	of	of	ADP
fsr-3890	105	34	items	item	NOUN
fsr-3890	105	35	.	.	PUNCT
fsr-3890	106	1	to	to	PART
fsr-3890	106	2	avoid	avoid	VERB
fsr-3890	106	3	multicollinearity	multicollinearity	NOUN
fsr-3890	106	4	problems	problem	NOUN
fsr-3890	106	5	as	as	SCONJ
fsr-3890	106	6	outlined	outline	VERB
fsr-3890	106	7	by	by	ADP
fsr-3890	106	8	babbie	babbie	PROPN
fsr-3890	106	9	(	(	PUNCT
fsr-3890	106	10	1983	1983	NUM
fsr-3890	106	11	)	)	PUNCT
fsr-3890	106	12	,	,	PUNCT
fsr-3890	106	13	items	item	NOUN
fsr-3890	106	14	were	be	AUX
fsr-3890	106	15	also	also	ADV
fsr-3890	106	16	eliminated	eliminate	VERB
fsr-3890	106	17	if	if	SCONJ
fsr-3890	106	18	there	there	PRON
fsr-3890	106	19	was	be	VERB
fsr-3890	106	20	a	a	DET
fsr-3890	106	21	very	very	ADV
fsr-3890	106	22	strong	strong	ADJ
fsr-3890	106	23	relationship	relationship	NOUN
fsr-3890	106	24	between	between	ADP
fsr-3890	106	25	two	two	NUM
fsr-3890	106	26	items	item	NOUN
fsr-3890	106	27	.	.	PUNCT
fsr-3890	107	1	based	base	VERB
fsr-3890	107	2	on	on	ADP
fsr-3890	107	3	this	this	DET
fsr-3890	107	4	bivariate	bivariate	ADJ
fsr-3890	107	5	analysis	analysis	NOUN
fsr-3890	107	6	approximately	approximately	ADV
fsr-3890	107	7	30	30	NUM
fsr-3890	107	8	items	item	NOUN
fsr-3890	107	9	were	be	AUX
fsr-3890	107	10	chosen	choose	VERB
fsr-3890	107	11	for	for	ADP
fsr-3890	107	12	inclusion	inclusion	NOUN
fsr-3890	107	13	in	in	ADP
fsr-3890	107	14	the	the	DET
fsr-3890	107	15	item	item	NOUN
fsr-3890	107	16	pool	pool	NOUN
fsr-3890	107	17	.	.	PUNCT
fsr-3890	108	1	to	to	PART
fsr-3890	108	2	further	far	ADV
fsr-3890	108	3	reduce	reduce	VERB
fsr-3890	108	4	the	the	DET
fsr-3890	108	5	item	item	NOUN
fsr-3890	108	6	pool	pool	NOUN
fsr-3890	108	7	two	two	NUM
fsr-3890	108	8	tests	test	NOUN
fsr-3890	108	9	were	be	AUX
fsr-3890	108	10	conducted	conduct	VERB
fsr-3890	108	11	on	on	ADP
fsr-3890	108	12	these	these	DET
fsr-3890	108	13	30	30	NUM
fsr-3890	108	14	items	item	NOUN
fsr-3890	108	15	.	.	PUNCT
fsr-3890	109	1	first	first	ADV
fsr-3890	109	2	,	,	PUNCT
fsr-3890	109	3	each	each	DET
fsr-3890	109	4	item	item	NOUN
fsr-3890	109	5	that	that	PRON
fsr-3890	109	6	offered	offer	VERB
fsr-3890	109	7	respondents	respondent	NOUN
fsr-3890	109	8	a	a	DET
fsr-3890	109	9	risk	risk	NOUN
fsr-3890	109	10	-	-	PUNCT
fsr-3890	109	11	free	free	ADJ
fsr-3890	109	12	alternative	alternative	NOUN
fsr-3890	109	13	or	or	CCONJ
fsr-3890	109	14	a	a	DET
fsr-3890	109	15	non	non	ADJ
fsr-3890	109	16	-	-	ADJ
fsr-3890	109	17	response	response	ADJ
fsr-3890	109	18	choice	choice	NOUN
fsr-3890	109	19	was	be	AUX
fsr-3890	109	20	eliminated	eliminate	VERB
fsr-3890	109	21	.	.	PUNCT
fsr-3890	110	1	this	this	PRON
fsr-3890	110	2	was	be	AUX
fsr-3890	110	3	done	do	VERB
fsr-3890	110	4	to	to	PART
fsr-3890	110	5	conform	conform	VERB
fsr-3890	110	6	to	to	ADP
fsr-3890	110	7	research	research	NOUN
fsr-3890	110	8	findings	finding	NOUN
fsr-3890	110	9	that	that	PRON
fsr-3890	110	10	suggest	suggest	VERB
fsr-3890	110	11	possible	possible	ADJ
fsr-3890	110	12	skewing	skewing	NOUN
fsr-3890	110	13	of	of	ADP
fsr-3890	110	14	responses	response	NOUN
fsr-3890	110	15	towards	towards	ADP
fsr-3890	110	16	non	non	ADJ
fsr-3890	110	17	-	-	ADJ
fsr-3890	110	18	response	response	ADJ
fsr-3890	110	19	categories	category	NOUN
fsr-3890	110	20	(	(	PUNCT
fsr-3890	110	21	kahneman	kahneman	NOUN
fsr-3890	110	22	and	and	CCONJ
fsr-3890	110	23	tversky	tversky	ADJ
fsr-3890	110	24	,	,	PUNCT
fsr-3890	110	25	1979	1979	NUM
fsr-3890	110	26	)	)	PUNCT
fsr-3890	110	27	.	.	PUNCT
fsr-3890	111	1	second	second	ADJ
fsr-3890	111	2	,	,	PUNCT
fsr-3890	111	3	index	index	NOUN
fsr-3890	111	4	scores	score	NOUN
fsr-3890	111	5	were	be	AUX
fsr-3890	111	6	developed	develop	VERB
fsr-3890	111	7	for	for	ADP
fsr-3890	111	8	each	each	DET
fsr-3890	111	9	respondent	respondent	NOUN
fsr-3890	111	10	using	use	VERB
fsr-3890	111	11	the	the	DET
fsr-3890	111	12	remaining	remain	VERB
fsr-3890	111	13	items	item	NOUN
fsr-3890	111	14	.	.	PUNCT
fsr-3890	112	1	answer	answer	NOUN
fsr-3890	112	2	choices	choice	NOUN
fsr-3890	112	3	for	for	ADP
fsr-3890	112	4	each	each	DET
fsr-3890	112	5	item	item	NOUN
fsr-3890	112	6	were	be	AUX
fsr-3890	112	7	given	give	VERB
fsr-3890	112	8	a	a	DET
fsr-3890	112	9	weight	weight	NOUN
fsr-3890	112	10	(	(	PUNCT
fsr-3890	112	11	maximum	maximum	ADJ
fsr-3890	112	12	range	range	NOUN
fsr-3890	112	13	1	1	NUM
fsr-3890	112	14	to	to	ADP
fsr-3890	112	15	4	4	NUM
fsr-3890	112	16	)	)	PUNCT
fsr-3890	112	17	according	accord	VERB
fsr-3890	112	18	to	to	ADP
fsr-3890	112	19	the	the	DET
fsr-3890	112	20	riskiness	riskiness	NOUN
fsr-3890	112	21	of	of	ADP
fsr-3890	112	22	the	the	DET
fsr-3890	112	23	response	response	NOUN
fsr-3890	112	24	.	.	PUNCT
fsr-3890	113	1	higher	high	ADJ
fsr-3890	113	2	weightings	weighting	NOUN
fsr-3890	113	3	indicated	indicate	VERB
fsr-3890	113	4	a	a	DET
fsr-3890	113	5	riskier	risky	ADJ
fsr-3890	113	6	choice	choice	NOUN
fsr-3890	113	7	,	,	PUNCT
fsr-3890	113	8	whereas	whereas	SCONJ
fsr-3890	113	9	lower	low	ADJ
fsr-3890	113	10	weightings	weighting	NOUN
fsr-3890	113	11	indicated	indicate	VERB
fsr-3890	113	12	a	a	DET
fsr-3890	113	13	less	less	ADV
fsr-3890	113	14	risky	risky	ADJ
fsr-3890	113	15	choice	choice	NOUN
fsr-3890	113	16	.	.	PUNCT
fsr-3890	114	1	the	the	DET
fsr-3890	114	2	index	index	NOUN
fsr-3890	114	3	was	be	AUX
fsr-3890	114	4	constructed	construct	VERB
fsr-3890	114	5	by	by	ADP
fsr-3890	114	6	summing	sum	VERB
fsr-3890	114	7	the	the	DET
fsr-3890	114	8	weights	weight	NOUN
fsr-3890	114	9	corresponding	correspond	VERB
fsr-3890	114	10	to	to	ADP
fsr-3890	114	11	168	168	NUM
fsr-3890	114	12	j.	j.	PROPN
fsr-3890	114	13	grable	grable	PROPN
fsr-3890	114	14	,	,	PUNCT
fsr-3890	114	15	r.h	r.h	PROPN
fsr-3890	114	16	.	.	PROPN
fsr-3890	114	17	lytton	lytton	PROPN
fsr-3890	114	18	/	/	SYM
fsr-3890	114	19	financial	financial	ADJ
fsr-3890	114	20	services	service	NOUN
fsr-3890	114	21	review	review	VERB
fsr-3890	114	22	8	8	NUM
fsr-3890	114	23	(	(	PUNCT
fsr-3890	114	24	1999	1999	NUM
fsr-3890	114	25	)	)	PUNCT
fsr-3890	114	26	163–181	163–181	NUM
fsr-3890	114	27	each	each	DET
fsr-3890	114	28	response	response	NOUN
fsr-3890	114	29	.	.	PUNCT
fsr-3890	115	1	these	these	DET
fsr-3890	115	2	items	item	NOUN
fsr-3890	115	3	were	be	AUX
fsr-3890	115	4	evaluated	evaluate	VERB
fsr-3890	115	5	using	use	VERB
fsr-3890	115	6	a	a	DET
fsr-3890	115	7	multivariate	multivariate	NOUN
fsr-3890	115	8	item	item	NOUN
fsr-3890	115	9	analysis	analysis	NOUN
fsr-3890	115	10	.	.	PUNCT
fsr-3890	116	1	specifically	specifically	ADV
fsr-3890	116	2	,	,	PUNCT
fsr-3890	116	3	financial	financial	ADJ
fsr-3890	116	4	risk	risk	NOUN
fsr-3890	116	5	-	-	PUNCT
fsr-3890	116	6	tolerance	tolerance	NOUN
fsr-3890	116	7	composite	composite	ADJ
fsr-3890	116	8	scores	score	NOUN
fsr-3890	116	9	were	be	AUX
fsr-3890	116	10	regressed	regress	VERB
fsr-3890	116	11	on	on	ADP
fsr-3890	116	12	each	each	PRON
fsr-3890	116	13	of	of	ADP
fsr-3890	116	14	the	the	DET
fsr-3890	116	15	remaining	remain	VERB
fsr-3890	116	16	items	item	NOUN
fsr-3890	116	17	.	.	PUNCT
fsr-3890	117	1	this	this	DET
fsr-3890	117	2	test	test	NOUN
fsr-3890	117	3	indicated	indicate	VERB
fsr-3890	117	4	that	that	SCONJ
fsr-3890	117	5	20	20	NUM
fsr-3890	117	6	items	item	NOUN
fsr-3890	117	7	had	have	VERB
fsr-3890	117	8	a	a	DET
fsr-3890	117	9	strong	strong	ADJ
fsr-3890	117	10	relationship	relationship	NOUN
fsr-3890	117	11	with	with	ADP
fsr-3890	117	12	the	the	DET
fsr-3890	117	13	final	final	ADJ
fsr-3890	117	14	composite	composite	ADJ
fsr-3890	117	15	index	index	NOUN
fsr-3890	117	16	.	.	PUNCT
fsr-3890	118	1	this	this	DET
fsr-3890	118	2	evaluation	evaluation	NOUN
fsr-3890	118	3	confirmed	confirm	VERB
fsr-3890	118	4	that	that	SCONJ
fsr-3890	118	5	respondents	respondent	NOUN
fsr-3890	118	6	who	who	PRON
fsr-3890	118	7	scored	score	VERB
fsr-3890	118	8	low	low	ADJ
fsr-3890	118	9	(	(	PUNCT
fsr-3890	118	10	or	or	CCONJ
fsr-3890	118	11	high	high	ADJ
fsr-3890	118	12	)	)	PUNCT
fsr-3890	118	13	on	on	ADP
fsr-3890	118	14	one	one	NUM
fsr-3890	118	15	item	item	NOUN
fsr-3890	118	16	generally	generally	ADV
fsr-3890	118	17	scored	score	VERB
fsr-3890	118	18	similarly	similarly	ADV
fsr-3890	118	19	on	on	ADP
fsr-3890	118	20	other	other	ADJ
fsr-3890	118	21	items	item	NOUN
fsr-3890	118	22	.	.	PUNCT
fsr-3890	119	1	the	the	DET
fsr-3890	119	2	final	final	ADJ
fsr-3890	119	3	20	20	NUM
fsr-3890	119	4	items	item	NOUN
fsr-3890	119	5	are	be	AUX
fsr-3890	119	6	shown	show	VERB
fsr-3890	119	7	it	it	PRON
fsr-3890	119	8	table	table	NOUN
fsr-3890	119	9	1	1	NUM
fsr-3890	119	10	.	.	PUNCT
fsr-3890	120	1	a	a	DET
fsr-3890	120	2	discussion	discussion	NOUN
fsr-3890	120	3	of	of	ADP
fsr-3890	120	4	each	each	DET
fsr-3890	120	5	item	item	NOUN
fsr-3890	120	6	,	,	PUNCT
fsr-3890	120	7	as	as	ADP
fsr-3890	120	8	a	a	DET
fsr-3890	120	9	measure	measure	NOUN
fsr-3890	120	10	of	of	ADP
fsr-3890	120	11	a	a	DET
fsr-3890	120	12	dimension	dimension	NOUN
fsr-3890	120	13	of	of	ADP
fsr-3890	120	14	financial	financial	ADJ
fsr-3890	120	15	risk	risk	NOUN
fsr-3890	120	16	tolerance	tolerance	NOUN
fsr-3890	120	17	,	,	PUNCT
fsr-3890	120	18	follows	follow	VERB
fsr-3890	120	19	table	table	NOUN
fsr-3890	120	20	1	1	NUM
fsr-3890	120	21	.	.	SYM
fsr-3890	120	22	3.1	3.1	NUM
fsr-3890	120	23	.	.	PUNCT
fsr-3890	120	24	item	item	NOUN
fsr-3890	120	25	justification	justification	NOUN
fsr-3890	120	26	the	the	DET
fsr-3890	120	27	20	20	NUM
fsr-3890	120	28	items	item	NOUN
fsr-3890	120	29	in	in	ADP
fsr-3890	120	30	table	table	NOUN
fsr-3890	120	31	1	1	NUM
fsr-3890	120	32	were	be	AUX
fsr-3890	120	33	originally	originally	ADV
fsr-3890	120	34	selected	select	VERB
fsr-3890	120	35	from	from	ADP
fsr-3890	120	36	published	publish	VERB
fsr-3890	120	37	measures	measure	NOUN
fsr-3890	120	38	as	as	SCONJ
fsr-3890	120	39	reported	report	VERB
fsr-3890	120	40	by	by	ADP
fsr-3890	120	41	bernstein	bernstein	PROPN
fsr-3890	120	42	(	(	PUNCT
fsr-3890	120	43	1993	1993	NUM
fsr-3890	120	44	)	)	PUNCT
fsr-3890	120	45	,	,	PUNCT
fsr-3890	120	46	epstein	epstein	PROPN
fsr-3890	120	47	and	and	CCONJ
fsr-3890	120	48	garfield	garfield	PROPN
fsr-3890	120	49	(	(	PUNCT
fsr-3890	120	50	1992	1992	NUM
fsr-3890	120	51	)	)	PUNCT
fsr-3890	120	52	,	,	PUNCT
fsr-3890	120	53	goldberg	goldberg	PROPN
fsr-3890	120	54	(	(	PUNCT
fsr-3890	120	55	1995	1995	NUM
fsr-3890	120	56	)	)	PUNCT
fsr-3890	120	57	,	,	PUNCT
fsr-3890	120	58	malkiel	malkiel	VERB
fsr-3890	120	59	(	(	PUNCT
fsr-3890	120	60	1994	1994	NUM
fsr-3890	120	61	)	)	PUNCT
fsr-3890	120	62	,	,	PUNCT
fsr-3890	120	63	mehrabian	mehrabian	NOUN
fsr-3890	120	64	(	(	PUNCT
fsr-3890	120	65	1991	1991	NUM
fsr-3890	120	66	)	)	PUNCT
fsr-3890	120	67	,	,	PUNCT
fsr-3890	120	68	mellan	mellan	PROPN
fsr-3890	120	69	(	(	PUNCT
fsr-3890	120	70	1994	1994	NUM
fsr-3890	120	71	)	)	PUNCT
fsr-3890	120	72	,	,	PUNCT
fsr-3890	120	73	1995	1995	NUM
fsr-3890	120	74	)	)	PUNCT
fsr-3890	120	75	,	,	PUNCT
fsr-3890	120	76	pring	pre	VERB
fsr-3890	120	77	(	(	PUNCT
fsr-3890	120	78	1993	1993	NUM
fsr-3890	120	79	)	)	PUNCT
fsr-3890	120	80	,	,	PUNCT
fsr-3890	120	81	shefrin	shefrin	NOUN
fsr-3890	120	82	and	and	CCONJ
fsr-3890	120	83	statman	statman	NOUN
fsr-3890	120	84	(	(	PUNCT
fsr-3890	120	85	1985	1985	NUM
fsr-3890	120	86	)	)	PUNCT
fsr-3890	120	87	,	,	PUNCT
fsr-3890	120	88	1993	1993	NUM
fsr-3890	120	89	)	)	PUNCT
fsr-3890	120	90	,	,	PUNCT
fsr-3890	120	91	statman	statman	NOUN
fsr-3890	120	92	(	(	PUNCT
fsr-3890	120	93	1995	1995	NUM
fsr-3890	120	94	)	)	PUNCT
fsr-3890	120	95	,	,	PUNCT
fsr-3890	120	96	tobias	tobias	PROPN
fsr-3890	120	97	(	(	PUNCT
fsr-3890	120	98	1978),pioneer	1978),pioneer	NUM
fsr-3890	120	99	news(1996	news(1996	NOUN
fsr-3890	120	100	)	)	PUNCT
fsr-3890	120	101	,	,	PUNCT
fsr-3890	120	102	yamauchi	yamauchi	PROPN
fsr-3890	120	103	and	and	CCONJ
fsr-3890	120	104	templer	templer	PROPN
fsr-3890	120	105	(	(	PUNCT
fsr-3890	120	106	1982	1982	NUM
fsr-3890	120	107	)	)	PUNCT
fsr-3890	120	108	,	,	PUNCT
fsr-3890	120	109	and	and	CCONJ
fsr-3890	120	110	other	other	ADJ
fsr-3890	120	111	researchers	researcher	NOUN
fsr-3890	120	112	.	.	PUNCT
fsr-3890	121	1	in	in	ADP
fsr-3890	121	2	addition	addition	NOUN
fsr-3890	121	3	to	to	ADP
fsr-3890	121	4	meeting	meet	VERB
fsr-3890	121	5	validity	validity	NOUN
fsr-3890	121	6	and	and	CCONJ
fsr-3890	121	7	reliability	reliability	NOUN
fsr-3890	121	8	requirements	requirement	NOUN
fsr-3890	121	9	,	,	PUNCT
fsr-3890	121	10	the	the	DET
fsr-3890	121	11	items	item	NOUN
fsr-3890	121	12	1	1	NUM
fsr-3890	121	13	)	)	PUNCT
fsr-3890	121	14	offer	offer	VERB
fsr-3890	121	15	a	a	DET
fsr-3890	121	16	high	high	ADJ
fsr-3890	121	17	degree	degree	NOUN
fsr-3890	121	18	of	of	ADP
fsr-3890	121	19	face	face	NOUN
fsr-3890	121	20	validity	validity	NOUN
fsr-3890	121	21	,	,	PUNCT
fsr-3890	121	22	2	2	X
fsr-3890	121	23	)	)	PUNCT
fsr-3890	121	24	allow	allow	VERB
fsr-3890	121	25	for	for	ADP
fsr-3890	121	26	the	the	DET
fsr-3890	121	27	derivation	derivation	NOUN
fsr-3890	121	28	of	of	ADP
fsr-3890	121	29	a	a	DET
fsr-3890	121	30	risk	risk	NOUN
fsr-3890	121	31	measure	measure	NOUN
fsr-3890	121	32	,	,	PUNCT
fsr-3890	121	33	3	3	X
fsr-3890	121	34	)	)	PUNCT
fsr-3890	121	35	offer	offer	VERB
fsr-3890	121	36	relevance	relevance	NOUN
fsr-3890	121	37	to	to	ADP
fsr-3890	121	38	potential	potential	ADJ
fsr-3890	121	39	respondents	respondent	NOUN
fsr-3890	121	40	,	,	PUNCT
fsr-3890	121	41	and	and	CCONJ
fsr-3890	121	42	4	4	X
fsr-3890	121	43	)	)	PUNCT
fsr-3890	121	44	offer	offer	VERB
fsr-3890	121	45	ease	ease	NOUN
fsr-3890	121	46	of	of	ADP
fsr-3890	121	47	administration	administration	NOUN
fsr-3890	121	48	(	(	PUNCT
fsr-3890	121	49	maccrimmon	maccrimmon	NOUN
fsr-3890	121	50	and	and	CCONJ
fsr-3890	121	51	wehrung	wehrung	PROPN
fsr-3890	121	52	,	,	PUNCT
fsr-3890	121	53	1986	1986	NUM
fsr-3890	121	54	)	)	PUNCT
fsr-3890	121	55	.	.	PUNCT
fsr-3890	122	1	the	the	DET
fsr-3890	122	2	items	item	NOUN
fsr-3890	122	3	in	in	ADP
fsr-3890	122	4	table	table	NOUN
fsr-3890	122	5	1	1	NUM
fsr-3890	122	6	,	,	PUNCT
fsr-3890	122	7	if	if	SCONJ
fsr-3890	122	8	used	use	VERB
fsr-3890	122	9	individually	individually	ADV
fsr-3890	122	10	,	,	PUNCT
fsr-3890	122	11	will	will	AUX
fsr-3890	122	12	tend	tend	VERB
fsr-3890	122	13	to	to	PART
fsr-3890	122	14	measure	measure	VERB
fsr-3890	122	15	a	a	DET
fsr-3890	122	16	distinct	distinct	ADJ
fsr-3890	122	17	dimension	dimension	NOUN
fsr-3890	122	18	or	or	CCONJ
fsr-3890	122	19	limited	limited	ADJ
fsr-3890	122	20	dimensions	dimension	NOUN
fsr-3890	122	21	of	of	ADP
fsr-3890	122	22	financial	financial	ADJ
fsr-3890	122	23	risk	risk	NOUN
fsr-3890	122	24	tolerance	tolerance	NOUN
fsr-3890	122	25	.	.	PUNCT
fsr-3890	123	1	table	table	NOUN
fsr-3890	123	2	2	2	NUM
fsr-3890	123	3	indicates	indicate	VERB
fsr-3890	123	4	the	the	DET
fsr-3890	123	5	dimension	dimension	NOUN
fsr-3890	123	6	of	of	ADP
fsr-3890	123	7	risk	risk	NOUN
fsr-3890	123	8	each	each	DET
fsr-3890	123	9	item	item	NOUN
fsr-3890	123	10	was	be	AUX
fsr-3890	123	11	originally	originally	ADV
fsr-3890	123	12	thought	think	VERB
fsr-3890	123	13	to	to	PART
fsr-3890	123	14	assess	assess	VERB
fsr-3890	123	15	.	.	PUNCT
fsr-3890	124	1	by	by	ADP
fsr-3890	124	2	understanding	understand	VERB
fsr-3890	124	3	how	how	SCONJ
fsr-3890	124	4	each	each	DET
fsr-3890	124	5	item	item	NOUN
fsr-3890	124	6	works	work	VERB
fsr-3890	124	7	alone	alone	ADV
fsr-3890	124	8	,	,	PUNCT
fsr-3890	124	9	it	it	PRON
fsr-3890	124	10	is	be	AUX
fsr-3890	124	11	possible	possible	ADJ
fsr-3890	124	12	to	to	PART
fsr-3890	124	13	see	see	VERB
fsr-3890	124	14	how	how	SCONJ
fsr-3890	124	15	an	an	DET
fsr-3890	124	16	instrument	instrument	NOUN
fsr-3890	124	17	using	use	VERB
fsr-3890	124	18	the	the	DET
fsr-3890	124	19	items	item	NOUN
fsr-3890	124	20	in	in	ADP
fsr-3890	124	21	a	a	DET
fsr-3890	124	22	concurrent	concurrent	ADJ
fsr-3890	124	23	assessment	assessment	NOUN
fsr-3890	124	24	of	of	ADP
fsr-3890	124	25	risk	risk	NOUN
fsr-3890	124	26	tolerance	tolerance	NOUN
fsr-3890	124	27	will	will	AUX
fsr-3890	124	28	be	be	AUX
fsr-3890	124	29	more	more	ADV
fsr-3890	124	30	likely	likely	ADJ
fsr-3890	124	31	to	to	PART
fsr-3890	124	32	accurately	accurately	ADV
fsr-3890	124	33	measure	measure	VERB
fsr-3890	124	34	a	a	DET
fsr-3890	124	35	person	person	NOUN
fsr-3890	124	36	’s	’s	PART
fsr-3890	124	37	overall	overall	ADJ
fsr-3890	124	38	financial	financial	ADJ
fsr-3890	124	39	risk	risk	NOUN
fsr-3890	124	40	tolerance	tolerance	NOUN
fsr-3890	124	41	.	.	PUNCT
fsr-3890	125	1	note	note	VERB
fsr-3890	125	2	that	that	SCONJ
fsr-3890	125	3	in	in	ADP
fsr-3890	125	4	some	some	DET
fsr-3890	125	5	cases	case	NOUN
fsr-3890	125	6	an	an	DET
fsr-3890	125	7	item	item	NOUN
fsr-3890	125	8	is	be	AUX
fsr-3890	125	9	useful	useful	ADJ
fsr-3890	125	10	in	in	ADP
fsr-3890	125	11	measuring	measure	VERB
fsr-3890	125	12	more	more	ADJ
fsr-3890	125	13	than	than	ADP
fsr-3890	125	14	one	one	NUM
fsr-3890	125	15	dimension	dimension	NOUN
fsr-3890	125	16	of	of	ADP
fsr-3890	125	17	risk	risk	NOUN
fsr-3890	125	18	.	.	PUNCT
fsr-3890	126	1	these	these	DET
fsr-3890	126	2	types	type	NOUN
fsr-3890	126	3	of	of	ADP
fsr-3890	126	4	assessment	assessment	NOUN
fsr-3890	126	5	items	item	NOUN
fsr-3890	126	6	tend	tend	VERB
fsr-3890	126	7	to	to	PART
fsr-3890	126	8	offer	offer	VERB
fsr-3890	126	9	a	a	DET
fsr-3890	126	10	more	more	ADV
fsr-3890	126	11	accurate	accurate	ADJ
fsr-3890	126	12	measure	measure	NOUN
fsr-3890	126	13	of	of	ADP
fsr-3890	126	14	someone	someone	PRON
fsr-3890	126	15	’s	’s	PART
fsr-3890	126	16	risk	risk	NOUN
fsr-3890	126	17	tolerance	tolerance	NOUN
fsr-3890	126	18	,	,	PUNCT
fsr-3890	126	19	although	although	SCONJ
fsr-3890	126	20	items	item	NOUN
fsr-3890	126	21	that	that	PRON
fsr-3890	126	22	measure	measure	VERB
fsr-3890	126	23	only	only	ADV
fsr-3890	126	24	one	one	NUM
fsr-3890	126	25	dimension	dimension	NOUN
fsr-3890	126	26	are	be	AUX
fsr-3890	126	27	useful	useful	ADJ
fsr-3890	126	28	as	as	ADV
fsr-3890	126	29	well	well	ADV
fsr-3890	126	30	.	.	PUNCT
fsr-3890	127	1	a	a	DET
fsr-3890	127	2	brief	brief	ADJ
fsr-3890	127	3	description	description	NOUN
fsr-3890	127	4	of	of	ADP
fsr-3890	127	5	each	each	DET
fsr-3890	127	6	risk	risk	NOUN
fsr-3890	127	7	dimension	dimension	NOUN
fsr-3890	127	8	,	,	PUNCT
fsr-3890	127	9	and	and	CCONJ
fsr-3890	127	10	how	how	SCONJ
fsr-3890	127	11	items	item	NOUN
fsr-3890	127	12	within	within	ADP
fsr-3890	127	13	each	each	DET
fsr-3890	127	14	dimension	dimension	NOUN
fsr-3890	127	15	work	work	NOUN
fsr-3890	127	16	to	to	PART
fsr-3890	127	17	assess	assess	VERB
fsr-3890	127	18	financial	financial	ADJ
fsr-3890	127	19	risk	risk	NOUN
fsr-3890	127	20	tolerance	tolerance	NOUN
fsr-3890	127	21	,	,	PUNCT
fsr-3890	127	22	follows	follow	VERB
fsr-3890	127	23	table	table	NOUN
fsr-3890	127	24	2	2	NUM
fsr-3890	127	25	.	.	PUNCT
fsr-3890	127	26	guaranteed	guarantee	VERB
fsr-3890	127	27	versus	versus	ADP
fsr-3890	127	28	probable	probable	ADJ
fsr-3890	127	29	gambles	gamble	NOUN
fsr-3890	127	30	require	require	VERB
fsr-3890	127	31	a	a	DET
fsr-3890	127	32	respondent	respondent	NOUN
fsr-3890	127	33	to	to	PART
fsr-3890	127	34	make	make	VERB
fsr-3890	127	35	risk	risk	NOUN
fsr-3890	127	36	calculations	calculation	NOUN
fsr-3890	127	37	.	.	PUNCT
fsr-3890	128	1	for	for	ADP
fsr-3890	128	2	example	example	NOUN
fsr-3890	128	3	,	,	PUNCT
fsr-3890	128	4	in	in	ADP
fsr-3890	128	5	item	item	NOUN
fsr-3890	128	6	2	2	NUM
fsr-3890	128	7	,	,	PUNCT
fsr-3890	128	8	the	the	DET
fsr-3890	128	9	probable	probable	ADJ
fsr-3890	128	10	chance	chance	NOUN
fsr-3890	128	11	of	of	ADP
fsr-3890	128	12	winning	win	VERB
fsr-3890	128	13	$	$	SYM
fsr-3890	128	14	100,000	100,000	NUM
fsr-3890	128	15	is	be	AUX
fsr-3890	128	16	less	less	ADJ
fsr-3890	128	17	than	than	ADP
fsr-3890	128	18	any	any	PRON
fsr-3890	128	19	of	of	ADP
fsr-3890	128	20	the	the	DET
fsr-3890	128	21	other	other	ADJ
fsr-3890	128	22	options	option	NOUN
fsr-3890	128	23	;	;	PUNCT
fsr-3890	128	24	however	however	ADV
fsr-3890	128	25	,	,	PUNCT
fsr-3890	128	26	in	in	ADP
fsr-3890	128	27	terms	term	NOUN
fsr-3890	128	28	of	of	ADP
fsr-3890	128	29	a	a	DET
fsr-3890	128	30	mathematical	mathematical	ADJ
fsr-3890	128	31	calculation	calculation	NOUN
fsr-3890	128	32	,	,	PUNCT
fsr-3890	128	33	the	the	DET
fsr-3890	128	34	payout	payout	NOUN
fsr-3890	128	35	of	of	ADP
fsr-3890	128	36	$	$	SYM
fsr-3890	128	37	5,000	5,000	NUM
fsr-3890	128	38	(	(	PUNCT
fsr-3890	128	39	$	$	SYM
fsr-3890	128	40	100,0003	100,0003	NUM
fsr-3890	128	41	5	5	NUM
fsr-3890	128	42	%	%	NOUN
fsr-3890	128	43	)	)	PUNCT
fsr-3890	128	44	is	be	AUX
fsr-3890	128	45	greater	great	ADJ
fsr-3890	128	46	than	than	ADP
fsr-3890	128	47	the	the	DET
fsr-3890	128	48	mathematical	mathematical	ADJ
fsr-3890	128	49	payout	payout	NOUN
fsr-3890	128	50	offered	offer	VERB
fsr-3890	128	51	in	in	ADP
fsr-3890	128	52	the	the	DET
fsr-3890	128	53	other	other	ADJ
fsr-3890	128	54	answers	answer	NOUN
fsr-3890	128	55	.	.	PUNCT
fsr-3890	129	1	as	as	ADP
fsr-3890	129	2	a	a	DET
fsr-3890	129	3	result	result	NOUN
fsr-3890	129	4	,	,	PUNCT
fsr-3890	129	5	a	a	DET
fsr-3890	129	6	respondent	respondent	NOUN
fsr-3890	129	7	who	who	PRON
fsr-3890	129	8	chooses	choose	VERB
fsr-3890	129	9	the	the	DET
fsr-3890	129	10	most	most	ADV
fsr-3890	129	11	risky	risky	ADJ
fsr-3890	129	12	choice	choice	NOUN
fsr-3890	129	13	,	,	PUNCT
fsr-3890	129	14	on	on	ADP
fsr-3890	129	15	its	its	PRON
fsr-3890	129	16	face	face	NOUN
fsr-3890	129	17	,	,	PUNCT
fsr-3890	129	18	is	be	AUX
fsr-3890	129	19	considered	consider	VERB
fsr-3890	129	20	to	to	PART
fsr-3890	129	21	have	have	VERB
fsr-3890	129	22	a	a	DET
fsr-3890	129	23	higher	high	ADJ
fsr-3890	129	24	risk	risk	NOUN
fsr-3890	129	25	tolerance	tolerance	NOUN
fsr-3890	129	26	compared	compare	VERB
fsr-3890	129	27	to	to	ADP
fsr-3890	129	28	someone	someone	PRON
fsr-3890	129	29	who	who	PRON
fsr-3890	129	30	chooses	choose	VERB
fsr-3890	129	31	another	another	DET
fsr-3890	129	32	answer	answer	NOUN
fsr-3890	129	33	.	.	PUNCT
fsr-3890	130	1	in	in	ADP
fsr-3890	130	2	addition	addition	NOUN
fsr-3890	130	3	to	to	ADP
fsr-3890	130	4	item	item	NOUN
fsr-3890	130	5	two	two	NUM
fsr-3890	130	6	,	,	PUNCT
fsr-3890	130	7	items	item	NOUN
fsr-3890	130	8	11	11	NUM
fsr-3890	130	9	,	,	PUNCT
fsr-3890	130	10	13	13	NUM
fsr-3890	130	11	,	,	PUNCT
fsr-3890	130	12	14	14	NUM
fsr-3890	130	13	,	,	PUNCT
fsr-3890	130	14	15	15	NUM
fsr-3890	130	15	,	,	PUNCT
fsr-3890	130	16	and	and	CCONJ
fsr-3890	130	17	20	20	NUM
fsr-3890	130	18	all	all	PRON
fsr-3890	130	19	offer	offer	VERB
fsr-3890	130	20	a	a	DET
fsr-3890	130	21	respondent	respondent	NOUN
fsr-3890	130	22	a	a	DET
fsr-3890	130	23	guaranteed	guarantee	VERB
fsr-3890	130	24	safe	safe	ADJ
fsr-3890	130	25	option	option	NOUN
fsr-3890	130	26	with	with	ADP
fsr-3890	130	27	a	a	DET
fsr-3890	130	28	corresponding	corresponding	ADJ
fsr-3890	130	29	probable	probable	ADJ
fsr-3890	130	30	gain	gain	NOUN
fsr-3890	130	31	.	.	PUNCT
fsr-3890	131	1	in	in	ADP
fsr-3890	131	2	every	every	DET
fsr-3890	131	3	case	case	NOUN
fsr-3890	131	4	,	,	PUNCT
fsr-3890	131	5	a	a	DET
fsr-3890	131	6	respondent	respondent	NOUN
fsr-3890	131	7	who	who	PRON
fsr-3890	131	8	chooses	choose	VERB
fsr-3890	131	9	a	a	DET
fsr-3890	131	10	gamble	gamble	NOUN
fsr-3890	131	11	over	over	ADP
fsr-3890	131	12	the	the	DET
fsr-3890	131	13	guaranteed	guarantee	VERB
fsr-3890	131	14	return	return	NOUN
fsr-3890	131	15	should	should	AUX
fsr-3890	131	16	be	be	AUX
fsr-3890	131	17	considered	consider	VERB
fsr-3890	131	18	more	more	ADJ
fsr-3890	131	19	risk	risk	NOUN
fsr-3890	131	20	tolerant	tolerant	ADJ
fsr-3890	131	21	.	.	PUNCT
fsr-3890	132	1	general	general	ADJ
fsr-3890	132	2	risk	risk	NOUN
fsr-3890	132	3	taking	take	VERB
fsr-3890	132	4	propensity	propensity	NOUN
fsr-3890	132	5	,	,	PUNCT
fsr-3890	132	6	or	or	CCONJ
fsr-3890	132	7	general	general	ADJ
fsr-3890	132	8	risk	risk	NOUN
fsr-3890	132	9	choice	choice	NOUN
fsr-3890	132	10	,	,	PUNCT
fsr-3890	132	11	can	can	AUX
fsr-3890	132	12	be	be	AUX
fsr-3890	132	13	measured	measure	VERB
fsr-3890	132	14	by	by	ADP
fsr-3890	132	15	using	use	VERB
fsr-3890	132	16	items	item	NOUN
fsr-3890	132	17	four	four	NUM
fsr-3890	132	18	and	and	CCONJ
fsr-3890	132	19	13	13	NUM
fsr-3890	132	20	.	.	PUNCT
fsr-3890	133	1	for	for	ADP
fsr-3890	133	2	example	example	NOUN
fsr-3890	133	3	,	,	PUNCT
fsr-3890	133	4	according	accord	VERB
fsr-3890	133	5	to	to	ADP
fsr-3890	133	6	mellan	mellan	PROPN
fsr-3890	133	7	(	(	PUNCT
fsr-3890	133	8	1995	1995	NUM
fsr-3890	133	9	)	)	PUNCT
fsr-3890	133	10	,	,	PUNCT
fsr-3890	133	11	a	a	DET
fsr-3890	133	12	respondent	respondent	NOUN
fsr-3890	133	13	who	who	PRON
fsr-3890	133	14	finds	find	VERB
fsr-3890	133	15	it	it	PRON
fsr-3890	133	16	easy	easy	ADJ
fsr-3890	133	17	to	to	PART
fsr-3890	133	18	pass	pass	VERB
fsr-3890	133	19	up	up	ADP
fsr-3890	133	20	a	a	DET
fsr-3890	133	21	bargain	bargain	NOUN
fsr-3890	133	22	when	when	SCONJ
fsr-3890	133	23	shopping	shopping	NOUN
fsr-3890	133	24	is	be	AUX
fsr-3890	133	25	thought	think	VERB
fsr-3890	133	26	to	to	PART
fsr-3890	133	27	have	have	VERB
fsr-3890	133	28	a	a	DET
fsr-3890	133	29	relatively	relatively	ADV
fsr-3890	133	30	high	high	ADJ
fsr-3890	133	31	tolerance	tolerance	NOUN
fsr-3890	133	32	for	for	ADP
fsr-3890	133	33	financial	financial	ADJ
fsr-3890	133	34	risk	risk	NOUN
fsr-3890	133	35	.	.	PUNCT
fsr-3890	134	1	this	this	DET
fsr-3890	134	2	correlation	correlation	NOUN
fsr-3890	134	3	between	between	ADP
fsr-3890	134	4	general	general	ADJ
fsr-3890	134	5	risk	risk	NOUN
fsr-3890	134	6	choice	choice	NOUN
fsr-3890	134	7	and	and	CCONJ
fsr-3890	134	8	financial	financial	ADJ
fsr-3890	134	9	risk	risk	NOUN
fsr-3890	134	10	tolerance	tolerance	NOUN
fsr-3890	134	11	is	be	AUX
fsr-3890	134	12	based	base	VERB
fsr-3890	134	13	on	on	ADP
fsr-3890	134	14	the	the	DET
fsr-3890	134	15	concept	concept	NOUN
fsr-3890	134	16	that	that	SCONJ
fsr-3890	134	17	some	some	DET
fsr-3890	134	18	individuals	individual	NOUN
fsr-3890	134	19	view	view	VERB
fsr-3890	134	20	money	money	NOUN
fsr-3890	134	21	as	as	ADP
fsr-3890	134	22	a	a	DET
fsr-3890	134	23	source	source	NOUN
fsr-3890	134	24	of	of	ADP
fsr-3890	134	25	anxiety	anxiety	NOUN
fsr-3890	134	26	,	,	PUNCT
fsr-3890	134	27	and	and	CCONJ
fsr-3890	134	28	because	because	SCONJ
fsr-3890	134	29	anxiety	anxiety	NOUN
fsr-3890	134	30	can	can	AUX
fsr-3890	134	31	be	be	AUX
fsr-3890	134	32	a	a	DET
fsr-3890	134	33	hindrance	hindrance	NOUN
fsr-3890	134	34	to	to	ADP
fsr-3890	134	35	making	make	VERB
fsr-3890	134	36	risky	risky	ADJ
fsr-3890	134	37	financial	financial	ADJ
fsr-3890	134	38	choices	choice	NOUN
fsr-3890	134	39	,	,	PUNCT
fsr-3890	134	40	an	an	DET
fsr-3890	134	41	inverse	inverse	NOUN
fsr-3890	134	42	relationship	relationship	NOUN
fsr-3890	134	43	exists	exist	VERB
fsr-3890	134	44	between	between	ADP
fsr-3890	134	45	anxiety	anxiety	NOUN
fsr-3890	134	46	and	and	CCONJ
fsr-3890	134	47	risk	risk	NOUN
fsr-3890	134	48	tolerance	tolerance	NOUN
fsr-3890	134	49	.	.	PUNCT
fsr-3890	135	1	similarly	similarly	ADV
fsr-3890	135	2	,	,	PUNCT
fsr-3890	135	3	the	the	DET
fsr-3890	135	4	interpretation	interpretation	NOUN
fsr-3890	135	5	of	of	ADP
fsr-3890	135	6	item	item	NOUN
fsr-3890	135	7	13	13	NUM
fsr-3890	135	8	suggests	suggest	VERB
fsr-3890	135	9	that	that	SCONJ
fsr-3890	135	10	the	the	DET
fsr-3890	135	11	more	more	ADJ
fsr-3890	135	12	risk	risk	NOUN
fsr-3890	135	13	tolerant	tolerant	ADJ
fsr-3890	135	14	individuals	individual	NOUN
fsr-3890	135	15	would	would	AUX
fsr-3890	135	16	“	"	PUNCT
fsr-3890	135	17	borrow	borrow	VERB
fsr-3890	135	18	money	money	NOUN
fsr-3890	135	19	from	from	ADP
fsr-3890	135	20	friends	friend	NOUN
fsr-3890	135	21	and	and	CCONJ
fsr-3890	135	22	relatives	relative	NOUN
fsr-3890	135	23	.	.	PUNCT
fsr-3890	135	24	.	.	PUNCT
fsr-3890	135	25	.	.	PUNCT
fsr-3890	136	1	[	[	X
fsr-3890	136	2	to	to	PART
fsr-3890	136	3	]	]	X
fsr-3890	136	4	qualify	qualify	VERB
fsr-3890	136	5	for	for	ADP
fsr-3890	136	6	a	a	DET
fsr-3890	136	7	169j	169j	PROPN
fsr-3890	136	8	.	.	PUNCT
fsr-3890	137	1	grable	grable	PROPN
fsr-3890	137	2	,	,	PUNCT
fsr-3890	137	3	r.h	r.h	PROPN
fsr-3890	137	4	.	.	PROPN
fsr-3890	137	5	lytton	lytton	PROPN
fsr-3890	137	6	/	/	SYM
fsr-3890	137	7	financial	financial	ADJ
fsr-3890	137	8	services	service	NOUN
fsr-3890	137	9	review	review	VERB
fsr-3890	137	10	8	8	NUM
fsr-3890	137	11	(	(	PUNCT
fsr-3890	137	12	1999	1999	NUM
fsr-3890	137	13	)	)	PUNCT
fsr-3890	137	14	163–181	163–181	NUM
fsr-3890	137	15	table	table	NOUN
fsr-3890	137	16	1	1	NUM
fsr-3890	137	17	financial	financial	ADJ
fsr-3890	137	18	risk	risk	NOUN
fsr-3890	137	19	tolerance	tolerance	NOUN
fsr-3890	137	20	assessment	assessment	NOUN
fsr-3890	137	21	items	item	NOUN
fsr-3890	137	22	items	item	NOUN
fsr-3890	137	23	1	1	X
fsr-3890	137	24	.	.	PUNCT
fsr-3890	138	1	in	in	ADP
fsr-3890	138	2	general	general	ADJ
fsr-3890	138	3	,	,	PUNCT
fsr-3890	138	4	how	how	SCONJ
fsr-3890	138	5	would	would	AUX
fsr-3890	138	6	your	your	PRON
fsr-3890	138	7	best	good	ADJ
fsr-3890	138	8	friend	friend	NOUN
fsr-3890	138	9	describe	describe	VERB
fsr-3890	138	10	you	you	PRON
fsr-3890	138	11	as	as	ADP
fsr-3890	138	12	a	a	DET
fsr-3890	138	13	risk	risk	NOUN
fsr-3890	138	14	taker	taker	NOUN
fsr-3890	138	15	?	?	PUNCT
fsr-3890	139	1	a.	a.	NOUN
fsr-3890	140	1	a	a	DET
fsr-3890	140	2	real	real	ADJ
fsr-3890	140	3	gambler	gambler	NOUN
fsr-3890	140	4	b.	b.	PROPN
fsr-3890	140	5	willing	willing	ADJ
fsr-3890	140	6	to	to	PART
fsr-3890	140	7	take	take	VERB
fsr-3890	140	8	risks	risk	NOUN
fsr-3890	140	9	after	after	ADP
fsr-3890	140	10	completing	complete	VERB
fsr-3890	140	11	adequate	adequate	ADJ
fsr-3890	140	12	research	research	NOUN
fsr-3890	140	13	c.	c.	PROPN
fsr-3890	140	14	cautious	cautious	PROPN
fsr-3890	140	15	d.	d.	PROPN
fsr-3890	140	16	a	a	DET
fsr-3890	140	17	real	real	ADJ
fsr-3890	140	18	risk	risk	NOUN
fsr-3890	140	19	avoider	avoider	NOUN
fsr-3890	140	20	2	2	X
fsr-3890	140	21	.	.	PUNCT
fsr-3890	141	1	you	you	PRON
fsr-3890	141	2	are	be	AUX
fsr-3890	141	3	on	on	ADP
fsr-3890	141	4	a	a	DET
fsr-3890	141	5	tv	tv	NOUN
fsr-3890	141	6	game	game	NOUN
fsr-3890	141	7	show	show	NOUN
fsr-3890	141	8	and	and	CCONJ
fsr-3890	141	9	can	can	AUX
fsr-3890	141	10	choose	choose	VERB
fsr-3890	141	11	one	one	NUM
fsr-3890	141	12	of	of	ADP
fsr-3890	141	13	the	the	DET
fsr-3890	141	14	following	following	NOUN
fsr-3890	141	15	.	.	PUNCT
fsr-3890	142	1	which	which	PRON
fsr-3890	142	2	would	would	AUX
fsr-3890	142	3	you	you	PRON
fsr-3890	142	4	take	take	VERB
fsr-3890	142	5	?	?	PUNCT
fsr-3890	143	1	a.	a.	NOUN
fsr-3890	143	2	$	$	SYM
fsr-3890	143	3	1,000	1,000	NUM
fsr-3890	143	4	in	in	ADP
fsr-3890	143	5	cash	cash	NOUN
fsr-3890	143	6	b.	b.	PROPN
fsr-3890	143	7	a	a	DET
fsr-3890	143	8	50	50	NUM
fsr-3890	143	9	%	%	NOUN
fsr-3890	143	10	chance	chance	NOUN
fsr-3890	143	11	at	at	ADP
fsr-3890	143	12	winning	win	VERB
fsr-3890	143	13	$	$	SYM
fsr-3890	143	14	5,000	5,000	NUM
fsr-3890	143	15	c.	c.	NOUN
fsr-3890	143	16	a	a	DET
fsr-3890	143	17	25	25	NUM
fsr-3890	143	18	%	%	NOUN
fsr-3890	143	19	chance	chance	NOUN
fsr-3890	143	20	at	at	ADP
fsr-3890	143	21	winning	win	VERB
fsr-3890	143	22	$	$	SYM
fsr-3890	143	23	10,000	10,000	NUM
fsr-3890	143	24	d.	d.	NOUN
fsr-3890	143	25	a	a	DET
fsr-3890	143	26	5	5	NUM
fsr-3890	143	27	%	%	NOUN
fsr-3890	143	28	chance	chance	NOUN
fsr-3890	143	29	at	at	ADP
fsr-3890	143	30	winning	win	VERB
fsr-3890	143	31	$	$	SYM
fsr-3890	143	32	100,000	100,000	NUM
fsr-3890	143	33	3	3	NUM
fsr-3890	143	34	.	.	PUNCT
fsr-3890	144	1	you	you	PRON
fsr-3890	144	2	have	have	AUX
fsr-3890	144	3	just	just	ADV
fsr-3890	144	4	finished	finish	VERB
fsr-3890	144	5	saving	save	VERB
fsr-3890	144	6	for	for	ADP
fsr-3890	144	7	a	a	DET
fsr-3890	144	8	“	"	PUNCT
fsr-3890	144	9	once	once	ADV
fsr-3890	144	10	-	-	PUNCT
fsr-3890	144	11	in	in	ADP
fsr-3890	144	12	-	-	PUNCT
fsr-3890	144	13	a	a	DET
fsr-3890	144	14	-	-	PUNCT
fsr-3890	144	15	lifetime	lifetime	NOUN
fsr-3890	144	16	”	"	PUNCT
fsr-3890	144	17	vacation	vacation	NOUN
fsr-3890	144	18	.	.	PUNCT
fsr-3890	145	1	three	three	NUM
fsr-3890	145	2	weeks	week	NOUN
fsr-3890	145	3	before	before	SCONJ
fsr-3890	145	4	you	you	PRON
fsr-3890	145	5	plan	plan	VERB
fsr-3890	145	6	to	to	PART
fsr-3890	145	7	leave	leave	VERB
fsr-3890	145	8	,	,	PUNCT
fsr-3890	145	9	you	you	PRON
fsr-3890	145	10	lose	lose	VERB
fsr-3890	145	11	your	your	PRON
fsr-3890	145	12	job	job	NOUN
fsr-3890	145	13	.	.	PUNCT
fsr-3890	146	1	you	you	PRON
fsr-3890	146	2	would	would	AUX
fsr-3890	146	3	:	:	PUNCT
fsr-3890	146	4	a.	a.	NOUN
fsr-3890	146	5	cancel	cancel	VERB
fsr-3890	146	6	the	the	DET
fsr-3890	146	7	vacation	vacation	NOUN
fsr-3890	146	8	b.	b.	PROPN
fsr-3890	146	9	take	take	VERB
fsr-3890	146	10	a	a	DET
fsr-3890	146	11	much	much	ADV
fsr-3890	146	12	more	more	ADV
fsr-3890	146	13	modest	modest	ADJ
fsr-3890	146	14	vacation	vacation	NOUN
fsr-3890	146	15	c.	c.	NOUN
fsr-3890	146	16	go	go	VERB
fsr-3890	146	17	as	as	SCONJ
fsr-3890	146	18	scheduled	schedule	VERB
fsr-3890	146	19	,	,	PUNCT
fsr-3890	146	20	reasoning	reason	VERB
fsr-3890	146	21	that	that	SCONJ
fsr-3890	146	22	you	you	PRON
fsr-3890	146	23	need	need	VERB
fsr-3890	146	24	the	the	DET
fsr-3890	146	25	time	time	NOUN
fsr-3890	146	26	to	to	PART
fsr-3890	146	27	prepare	prepare	VERB
fsr-3890	146	28	for	for	ADP
fsr-3890	146	29	a	a	DET
fsr-3890	146	30	job	job	NOUN
fsr-3890	146	31	search	search	NOUN
fsr-3890	146	32	d.	d.	NOUN
fsr-3890	146	33	extend	extend	VERB
fsr-3890	146	34	your	your	PRON
fsr-3890	146	35	vacation	vacation	NOUN
fsr-3890	146	36	,	,	PUNCT
fsr-3890	146	37	because	because	SCONJ
fsr-3890	146	38	this	this	PRON
fsr-3890	146	39	might	might	AUX
fsr-3890	146	40	be	be	AUX
fsr-3890	146	41	your	your	PRON
fsr-3890	146	42	last	last	ADJ
fsr-3890	146	43	chance	chance	NOUN
fsr-3890	146	44	to	to	PART
fsr-3890	146	45	go	go	VERB
fsr-3890	146	46	first	first	ADJ
fsr-3890	146	47	-	-	PUNCT
fsr-3890	146	48	class	class	NOUN
fsr-3890	146	49	4	4	NUM
fsr-3890	146	50	.	.	PUNCT
fsr-3890	147	1	how	how	SCONJ
fsr-3890	147	2	would	would	AUX
fsr-3890	147	3	you	you	PRON
fsr-3890	147	4	respond	respond	VERB
fsr-3890	147	5	to	to	ADP
fsr-3890	147	6	the	the	DET
fsr-3890	147	7	following	follow	VERB
fsr-3890	147	8	statement	statement	NOUN
fsr-3890	147	9	?	?	PUNCT
fsr-3890	148	1	“	"	PUNCT
fsr-3890	148	2	it	it	PRON
fsr-3890	148	3	’s	’	VERB
fsr-3890	148	4	hard	hard	ADV
fsr-3890	148	5	for	for	SCONJ
fsr-3890	148	6	me	i	PRON
fsr-3890	148	7	to	to	PART
fsr-3890	148	8	pass	pass	VERB
fsr-3890	148	9	up	up	ADP
fsr-3890	148	10	a	a	DET
fsr-3890	148	11	bargain	bargain	NOUN
fsr-3890	148	12	.	.	PUNCT
fsr-3890	148	13	”	"	PUNCT
fsr-3890	149	1	a.	a.	NOUN
fsr-3890	149	2	very	very	ADV
fsr-3890	149	3	true	true	ADJ
fsr-3890	149	4	b.	b.	PROPN
fsr-3890	149	5	sometimes	sometimes	ADV
fsr-3890	149	6	true	true	ADJ
fsr-3890	149	7	c.	c.	NOUN
fsr-3890	149	8	not	not	PART
fsr-3890	149	9	at	at	ADV
fsr-3890	149	10	all	all	ADV
fsr-3890	149	11	true	true	ADJ
fsr-3890	149	12	5	5	NUM
fsr-3890	149	13	.	.	PUNCT
fsr-3890	150	1	if	if	SCONJ
fsr-3890	150	2	you	you	PRON
fsr-3890	150	3	unexpectedly	unexpectedly	ADV
fsr-3890	150	4	received	receive	VERB
fsr-3890	150	5	$	$	SYM
fsr-3890	150	6	20,000	20,000	NUM
fsr-3890	150	7	toinvest	toinvest	ADV
fsr-3890	150	8	,	,	PUNCT
fsr-3890	150	9	what	what	PRON
fsr-3890	150	10	would	would	AUX
fsr-3890	150	11	you	you	PRON
fsr-3890	150	12	do	do	VERB
fsr-3890	150	13	?	?	PUNCT
fsr-3890	151	1	a.	a.	NOUN
fsr-3890	151	2	deposit	deposit	VERB
fsr-3890	151	3	it	it	PRON
fsr-3890	151	4	in	in	ADP
fsr-3890	151	5	a	a	DET
fsr-3890	151	6	bank	bank	NOUN
fsr-3890	151	7	account	account	NOUN
fsr-3890	151	8	,	,	PUNCT
fsr-3890	151	9	money	money	NOUN
fsr-3890	151	10	market	market	NOUN
fsr-3890	151	11	account	account	NOUN
fsr-3890	151	12	,	,	PUNCT
fsr-3890	151	13	or	or	CCONJ
fsr-3890	151	14	an	an	DET
fsr-3890	151	15	insured	insure	VERB
fsr-3890	151	16	cd	cd	PROPN
fsr-3890	151	17	b.	b.	PROPN
fsr-3890	151	18	invest	invest	VERB
fsr-3890	151	19	it	it	PRON
fsr-3890	151	20	in	in	ADP
fsr-3890	151	21	safe	safe	ADJ
fsr-3890	151	22	high	high	ADJ
fsr-3890	151	23	quality	quality	NOUN
fsr-3890	151	24	bonds	bond	NOUN
fsr-3890	151	25	or	or	CCONJ
fsr-3890	151	26	bond	bond	NOUN
fsr-3890	151	27	mutual	mutual	ADJ
fsr-3890	151	28	funds	fund	NOUN
fsr-3890	151	29	c.	c.	PROPN
fsr-3890	151	30	invest	invest	VERB
fsr-3890	151	31	it	it	PRON
fsr-3890	151	32	in	in	ADP
fsr-3890	151	33	stocks	stock	NOUN
fsr-3890	151	34	or	or	CCONJ
fsr-3890	151	35	stock	stock	NOUN
fsr-3890	151	36	mutual	mutual	ADJ
fsr-3890	151	37	funds	fund	NOUN
fsr-3890	151	38	6	6	NUM
fsr-3890	151	39	.	.	PUNCT
fsr-3890	152	1	in	in	ADP
fsr-3890	152	2	terms	term	NOUN
fsr-3890	152	3	of	of	ADP
fsr-3890	152	4	experience	experience	NOUN
fsr-3890	152	5	,	,	PUNCT
fsr-3890	152	6	how	how	SCONJ
fsr-3890	152	7	comfortable	comfortable	ADJ
fsr-3890	152	8	are	be	AUX
fsr-3890	152	9	you	you	PRON
fsr-3890	152	10	investing	invest	VERB
fsr-3890	152	11	in	in	ADP
fsr-3890	152	12	stocks	stock	NOUN
fsr-3890	152	13	or	or	CCONJ
fsr-3890	152	14	stock	stock	NOUN
fsr-3890	152	15	mutual	mutual	ADJ
fsr-3890	152	16	funds	fund	NOUN
fsr-3890	152	17	?	?	PUNCT
fsr-3890	153	1	a.	a.	NOUN
fsr-3890	154	1	not	not	PART
fsr-3890	154	2	at	at	ADV
fsr-3890	154	3	all	all	ADV
fsr-3890	154	4	comfortable	comfortable	ADJ
fsr-3890	154	5	b.	b.	NOUN
fsr-3890	154	6	somewhat	somewhat	ADV
fsr-3890	154	7	comfortable	comfortable	ADJ
fsr-3890	154	8	c.	c.	NOUN
fsr-3890	154	9	very	very	ADV
fsr-3890	154	10	comfortable	comfortable	ADJ
fsr-3890	154	11	7	7	NUM
fsr-3890	154	12	.	.	NOUN
fsr-3890	154	13	which	which	DET
fsr-3890	154	14	situation	situation	NOUN
fsr-3890	154	15	would	would	AUX
fsr-3890	154	16	make	make	VERB
fsr-3890	154	17	you	you	PRON
fsr-3890	154	18	the	the	DET
fsr-3890	154	19	happiest	happy	ADJ
fsr-3890	154	20	?	?	PUNCT
fsr-3890	155	1	a.	a.	NOUN
fsr-3890	155	2	you	you	PRON
fsr-3890	155	3	win	win	VERB
fsr-3890	155	4	$	$	SYM
fsr-3890	155	5	50,000	50,000	NUM
fsr-3890	155	6	in	in	ADP
fsr-3890	155	7	a	a	DET
fsr-3890	155	8	publisher	publisher	NOUN
fsr-3890	155	9	’s	’s	PART
fsr-3890	155	10	contest	contest	PROPN
fsr-3890	155	11	b.	b.	PROPN
fsr-3890	156	1	you	you	PRON
fsr-3890	156	2	inherit	inherit	VERB
fsr-3890	156	3	$	$	SYM
fsr-3890	156	4	50,000	50,000	NUM
fsr-3890	156	5	from	from	ADP
fsr-3890	156	6	a	a	DET
fsr-3890	156	7	rich	rich	ADJ
fsr-3890	156	8	relative	relative	ADJ
fsr-3890	156	9	c.	c.	NOUN
fsr-3890	156	10	you	you	PRON
fsr-3890	156	11	earn	earn	VERB
fsr-3890	156	12	$	$	SYM
fsr-3890	156	13	50,000	50,000	NUM
fsr-3890	156	14	by	by	ADP
fsr-3890	156	15	risking	risk	VERB
fsr-3890	156	16	$	$	SYM
fsr-3890	156	17	1,000	1,000	NUM
fsr-3890	156	18	in	in	ADP
fsr-3890	156	19	the	the	DET
fsr-3890	156	20	options	option	NOUN
fsr-3890	156	21	market	market	NOUN
fsr-3890	156	22	d.	d.	PROPN
fsr-3890	156	23	any	any	PRON
fsr-3890	156	24	of	of	ADP
fsr-3890	156	25	the	the	DET
fsr-3890	156	26	above	above	ADJ
fsr-3890	156	27	—	—	PUNCT
fsr-3890	156	28	after	after	ADV
fsr-3890	156	29	all	all	ADV
fsr-3890	156	30	,	,	PUNCT
fsr-3890	156	31	you	you	PRON
fsr-3890	156	32	’re	’re	VERB
fsr-3890	156	33	happy	happy	ADJ
fsr-3890	156	34	with	with	ADP
fsr-3890	156	35	the	the	DET
fsr-3890	156	36	$	$	SYM
fsr-3890	156	37	50,000	50,000	NUM
fsr-3890	156	38	8	8	NUM
fsr-3890	156	39	.	.	PUNCT
fsr-3890	157	1	when	when	SCONJ
fsr-3890	157	2	you	you	PRON
fsr-3890	157	3	think	think	VERB
fsr-3890	157	4	of	of	ADP
fsr-3890	157	5	the	the	DET
fsr-3890	157	6	word	word	NOUN
fsr-3890	157	7	“	"	PUNCT
fsr-3890	157	8	risk	risk	NOUN
fsr-3890	157	9	”	"	PUNCT
fsr-3890	157	10	which	which	PRON
fsr-3890	157	11	of	of	ADP
fsr-3890	157	12	the	the	DET
fsr-3890	157	13	following	follow	VERB
fsr-3890	157	14	words	word	NOUN
fsr-3890	157	15	comes	come	VERB
fsr-3890	157	16	to	to	ADP
fsr-3890	157	17	mind	mind	NOUN
fsr-3890	157	18	first	first	ADV
fsr-3890	157	19	?	?	PUNCT
fsr-3890	158	1	a.	a.	NOUN
fsr-3890	158	2	loss	loss	PROPN
fsr-3890	158	3	b.	b.	PROPN
fsr-3890	158	4	uncertainty	uncertainty	PROPN
fsr-3890	158	5	c.	c.	PROPN
fsr-3890	158	6	opportunity	opportunity	PROPN
fsr-3890	158	7	d.	d.	PROPN
fsr-3890	158	8	thrill	thrill	NOUN
fsr-3890	158	9	9	9	NUM
fsr-3890	158	10	.	.	PUNCT
fsr-3890	159	1	you	you	PRON
fsr-3890	159	2	inherit	inherit	VERB
fsr-3890	159	3	a	a	DET
fsr-3890	159	4	mortgage	mortgage	NOUN
fsr-3890	159	5	-	-	PUNCT
fsr-3890	159	6	free	free	ADJ
fsr-3890	159	7	house	house	NOUN
fsr-3890	159	8	worth	worth	ADJ
fsr-3890	159	9	$	$	SYM
fsr-3890	159	10	80,000	80,000	NUM
fsr-3890	159	11	.	.	PUNCT
fsr-3890	160	1	the	the	DET
fsr-3890	160	2	house	house	NOUN
fsr-3890	160	3	is	be	AUX
fsr-3890	160	4	in	in	ADP
fsr-3890	160	5	a	a	DET
fsr-3890	160	6	nice	nice	ADJ
fsr-3890	160	7	neighborhood	neighborhood	NOUN
fsr-3890	160	8	,	,	PUNCT
fsr-3890	160	9	and	and	CCONJ
fsr-3890	160	10	you	you	PRON
fsr-3890	160	11	believe	believe	VERB
fsr-3890	160	12	that	that	SCONJ
fsr-3890	160	13	it	it	PRON
fsr-3890	160	14	should	should	AUX
fsr-3890	160	15	increase	increase	VERB
fsr-3890	160	16	in	in	ADP
fsr-3890	160	17	value	value	NOUN
fsr-3890	160	18	faster	fast	ADV
fsr-3890	160	19	than	than	ADP
fsr-3890	160	20	inflation	inflation	NOUN
fsr-3890	160	21	.	.	PUNCT
fsr-3890	161	1	unfortunately	unfortunately	ADV
fsr-3890	161	2	,	,	PUNCT
fsr-3890	161	3	the	the	DET
fsr-3890	161	4	house	house	NOUN
fsr-3890	161	5	needs	need	VERB
fsr-3890	161	6	repairs	repair	NOUN
fsr-3890	161	7	.	.	PUNCT
fsr-3890	162	1	if	if	SCONJ
fsr-3890	162	2	rented	rent	VERB
fsr-3890	162	3	today	today	NOUN
fsr-3890	162	4	,	,	PUNCT
fsr-3890	162	5	the	the	DET
fsr-3890	162	6	house	house	NOUN
fsr-3890	162	7	would	would	AUX
fsr-3890	162	8	bring	bring	VERB
fsr-3890	162	9	in	in	ADP
fsr-3890	162	10	$	$	SYM
fsr-3890	162	11	600	600	NUM
fsr-3890	162	12	monthly	monthly	ADV
fsr-3890	162	13	,	,	PUNCT
fsr-3890	162	14	but	but	CCONJ
fsr-3890	162	15	if	if	SCONJ
fsr-3890	162	16	updates	update	NOUN
fsr-3890	162	17	and	and	CCONJ
fsr-3890	162	18	repairs	repair	NOUN
fsr-3890	162	19	were	be	AUX
fsr-3890	162	20	made	make	VERB
fsr-3890	162	21	,	,	PUNCT
fsr-3890	162	22	the	the	DET
fsr-3890	162	23	house	house	NOUN
fsr-3890	162	24	would	would	AUX
fsr-3890	162	25	rent	rent	VERB
fsr-3890	162	26	for	for	ADP
fsr-3890	162	27	$	$	SYM
fsr-3890	162	28	800	800	NUM
fsr-3890	162	29	per	per	ADP
fsr-3890	162	30	month	month	NOUN
fsr-3890	162	31	.	.	PUNCT
fsr-3890	163	1	to	to	PART
fsr-3890	163	2	finance	finance	VERB
fsr-3890	163	3	the	the	DET
fsr-3890	163	4	repairs	repair	NOUN
fsr-3890	163	5	you	you	PRON
fsr-3890	163	6	’ll	’ll	AUX
fsr-3890	163	7	need	need	VERB
fsr-3890	163	8	to	to	PART
fsr-3890	163	9	take	take	VERB
fsr-3890	163	10	out	out	ADP
fsr-3890	163	11	a	a	DET
fsr-3890	163	12	mortgage	mortgage	NOUN
fsr-3890	163	13	on	on	ADP
fsr-3890	163	14	the	the	DET
fsr-3890	163	15	property	property	NOUN
fsr-3890	163	16	.	.	PUNCT
fsr-3890	164	1	you	you	PRON
fsr-3890	164	2	would	would	AUX
fsr-3890	164	3	:	:	PUNCT
fsr-3890	164	4	a.	a.	NOUN
fsr-3890	164	5	sell	sell	VERB
fsr-3890	164	6	the	the	DET
fsr-3890	164	7	house	house	PROPN
fsr-3890	164	8	b.	b.	PROPN
fsr-3890	165	1	rent	rent	VERB
fsr-3890	165	2	the	the	DET
fsr-3890	165	3	house	house	NOUN
fsr-3890	165	4	as	as	SCONJ
fsr-3890	165	5	is	be	AUX
fsr-3890	165	6	c.	c.	PROPN
fsr-3890	165	7	remodel	remodel	PROPN
fsr-3890	165	8	and	and	CCONJ
fsr-3890	165	9	update	update	VERB
fsr-3890	165	10	the	the	DET
fsr-3890	165	11	house	house	NOUN
fsr-3890	165	12	,	,	PUNCT
fsr-3890	165	13	and	and	CCONJ
fsr-3890	165	14	then	then	ADV
fsr-3890	165	15	rent	rent	VERB
fsr-3890	165	16	it	it	PRON
fsr-3890	165	17	10	10	NUM
fsr-3890	165	18	.	.	PUNCT
fsr-3890	166	1	in	in	ADP
fsr-3890	166	2	your	your	PRON
fsr-3890	166	3	opinion	opinion	NOUN
fsr-3890	166	4	,	,	PUNCT
fsr-3890	166	5	is	be	AUX
fsr-3890	166	6	it	it	PRON
fsr-3890	166	7	more	more	ADV
fsr-3890	166	8	important	important	ADJ
fsr-3890	166	9	to	to	PART
fsr-3890	166	10	be	be	AUX
fsr-3890	166	11	protected	protect	VERB
fsr-3890	166	12	from	from	ADP
fsr-3890	166	13	rising	rise	VERB
fsr-3890	166	14	consumer	consumer	NOUN
fsr-3890	166	15	prices	price	NOUN
fsr-3890	166	16	(	(	PUNCT
fsr-3890	166	17	inflation	inflation	NOUN
fsr-3890	166	18	)	)	PUNCT
fsr-3890	166	19	or	or	CCONJ
fsr-3890	166	20	to	to	PART
fsr-3890	166	21	maintain	maintain	VERB
fsr-3890	166	22	the	the	DET
fsr-3890	166	23	safety	safety	NOUN
fsr-3890	166	24	of	of	ADP
fsr-3890	166	25	your	your	PRON
fsr-3890	166	26	money	money	NOUN
fsr-3890	166	27	from	from	ADP
fsr-3890	166	28	loss	loss	NOUN
fsr-3890	166	29	or	or	CCONJ
fsr-3890	166	30	theft	theft	NOUN
fsr-3890	166	31	?	?	PUNCT
fsr-3890	167	1	a.	a.	NOUN
fsr-3890	167	2	much	much	ADV
fsr-3890	167	3	more	more	ADV
fsr-3890	167	4	important	important	ADJ
fsr-3890	167	5	to	to	PART
fsr-3890	167	6	secure	secure	VERB
fsr-3890	167	7	the	the	DET
fsr-3890	167	8	safety	safety	NOUN
fsr-3890	167	9	of	of	ADP
fsr-3890	167	10	my	my	PRON
fsr-3890	167	11	money	money	NOUN
fsr-3890	167	12	b.	b.	NOUN
fsr-3890	167	13	much	much	ADV
fsr-3890	167	14	more	more	ADV
fsr-3890	167	15	important	important	ADJ
fsr-3890	167	16	to	to	PART
fsr-3890	167	17	be	be	AUX
fsr-3890	167	18	protected	protect	VERB
fsr-3890	167	19	from	from	ADP
fsr-3890	167	20	rising	rise	VERB
fsr-3890	167	21	prices	price	NOUN
fsr-3890	167	22	(	(	PUNCT
fsr-3890	167	23	inflation	inflation	NOUN
fsr-3890	167	24	)	)	PUNCT
fsr-3890	167	25	170	170	NUM
fsr-3890	167	26	j.	j.	PROPN
fsr-3890	167	27	grable	grable	PROPN
fsr-3890	167	28	,	,	PUNCT
fsr-3890	167	29	r.h	r.h	PROPN
fsr-3890	167	30	.	.	PROPN
fsr-3890	167	31	lytton	lytton	PROPN
fsr-3890	167	32	/	/	SYM
fsr-3890	167	33	financial	financial	ADJ
fsr-3890	167	34	services	service	NOUN
fsr-3890	167	35	review	review	VERB
fsr-3890	167	36	8	8	NUM
fsr-3890	167	37	(	(	PUNCT
fsr-3890	167	38	1999	1999	NUM
fsr-3890	167	39	)	)	PUNCT
fsr-3890	167	40	163–181	163–181	NUM
fsr-3890	167	41	table	table	NOUN
fsr-3890	167	42	1(continued	1(continued	NUM
fsr-3890	167	43	)	)	PUNCT
fsr-3890	167	44	items	item	NOUN
fsr-3890	167	45	11	11	NUM
fsr-3890	167	46	.	.	PUNCT
fsr-3890	168	1	you	you	PRON
fsr-3890	168	2	’ve	’ve	AUX
fsr-3890	168	3	just	just	ADV
fsr-3890	168	4	taken	take	VERB
fsr-3890	168	5	a	a	DET
fsr-3890	168	6	job	job	NOUN
fsr-3890	168	7	at	at	ADP
fsr-3890	168	8	a	a	DET
fsr-3890	168	9	small	small	ADJ
fsr-3890	168	10	fast	fast	ADJ
fsr-3890	168	11	growing	grow	VERB
fsr-3890	168	12	company	company	NOUN
fsr-3890	168	13	.	.	PUNCT
fsr-3890	169	1	after	after	ADP
fsr-3890	169	2	your	your	PRON
fsr-3890	169	3	first	first	ADJ
fsr-3890	169	4	year	year	NOUN
fsr-3890	169	5	you	you	PRON
fsr-3890	169	6	are	be	AUX
fsr-3890	169	7	offered	offer	VERB
fsr-3890	169	8	the	the	DET
fsr-3890	169	9	following	follow	VERB
fsr-3890	169	10	bonus	bonus	NOUN
fsr-3890	169	11	choices	choice	NOUN
fsr-3890	169	12	.	.	PUNCT
fsr-3890	170	1	which	which	DET
fsr-3890	170	2	one	one	PRON
fsr-3890	170	3	would	would	AUX
fsr-3890	170	4	you	you	PRON
fsr-3890	170	5	choose	choose	VERB
fsr-3890	170	6	?	?	PUNCT
fsr-3890	171	1	a.	a.	NOUN
fsr-3890	171	2	a	a	DET
fsr-3890	171	3	five	five	NUM
fsr-3890	171	4	year	year	NOUN
fsr-3890	171	5	employment	employment	NOUN
fsr-3890	171	6	contract	contract	NOUN
fsr-3890	171	7	b.	b.	PROPN
fsr-3890	171	8	a	a	DET
fsr-3890	171	9	$	$	SYM
fsr-3890	171	10	25,000	25,000	NUM
fsr-3890	171	11	bonus	bonus	NOUN
fsr-3890	171	12	c.	c.	NOUN
fsr-3890	171	13	stock	stock	NOUN
fsr-3890	171	14	in	in	ADP
fsr-3890	171	15	the	the	DET
fsr-3890	171	16	company	company	NOUN
fsr-3890	171	17	currently	currently	ADV
fsr-3890	171	18	worth	worth	ADJ
fsr-3890	171	19	$	$	SYM
fsr-3890	171	20	25,000	25,000	NUM
fsr-3890	171	21	with	with	ADP
fsr-3890	171	22	the	the	DET
fsr-3890	171	23	hope	hope	NOUN
fsr-3890	171	24	of	of	ADP
fsr-3890	171	25	selling	sell	VERB
fsr-3890	171	26	out	out	ADP
fsr-3890	171	27	later	later	ADV
fsr-3890	171	28	at	at	ADP
fsr-3890	171	29	a	a	DET
fsr-3890	171	30	large	large	ADJ
fsr-3890	171	31	profit	profit	NOUN
fsr-3890	171	32	12	12	NUM
fsr-3890	171	33	.	.	PUNCT
fsr-3890	172	1	some	some	DET
fsr-3890	172	2	experts	expert	NOUN
fsr-3890	172	3	are	be	AUX
fsr-3890	172	4	predicting	predict	VERB
fsr-3890	172	5	prices	price	NOUN
fsr-3890	172	6	of	of	ADP
fsr-3890	172	7	assets	asset	NOUN
fsr-3890	172	8	such	such	ADJ
fsr-3890	172	9	as	as	ADP
fsr-3890	172	10	gold	gold	NOUN
fsr-3890	172	11	,	,	PUNCT
fsr-3890	172	12	jewels	jewel	NOUN
fsr-3890	172	13	,	,	PUNCT
fsr-3890	172	14	collectibles	collectible	NOUN
fsr-3890	172	15	,	,	PUNCT
fsr-3890	172	16	and	and	CCONJ
fsr-3890	172	17	real	real	ADJ
fsr-3890	172	18	estate	estate	NOUN
fsr-3890	172	19	(	(	PUNCT
fsr-3890	172	20	hard	hard	ADJ
fsr-3890	172	21	assets	asset	NOUN
fsr-3890	172	22	)	)	PUNCT
fsr-3890	172	23	to	to	PART
fsr-3890	172	24	increase	increase	VERB
fsr-3890	172	25	in	in	ADP
fsr-3890	172	26	value	value	NOUN
fsr-3890	172	27	;	;	PUNCT
fsr-3890	172	28	bond	bond	NOUN
fsr-3890	172	29	prices	price	NOUN
fsr-3890	172	30	may	may	AUX
fsr-3890	172	31	fall	fall	VERB
fsr-3890	172	32	,	,	PUNCT
fsr-3890	172	33	however	however	ADV
fsr-3890	172	34	,	,	PUNCT
fsr-3890	172	35	experts	expert	NOUN
fsr-3890	172	36	tend	tend	VERB
fsr-3890	172	37	to	to	PART
fsr-3890	172	38	agree	agree	VERB
fsr-3890	172	39	that	that	SCONJ
fsr-3890	172	40	government	government	NOUN
fsr-3890	172	41	bonds	bond	NOUN
fsr-3890	172	42	are	be	AUX
fsr-3890	172	43	relatively	relatively	ADV
fsr-3890	172	44	safe	safe	ADJ
fsr-3890	172	45	.	.	PUNCT
fsr-3890	173	1	most	most	ADJ
fsr-3890	173	2	of	of	ADP
fsr-3890	173	3	your	your	PRON
fsr-3890	173	4	investment	investment	NOUN
fsr-3890	173	5	assets	asset	NOUN
fsr-3890	173	6	are	be	AUX
fsr-3890	173	7	now	now	ADV
fsr-3890	173	8	in	in	ADP
fsr-3890	173	9	high	high	ADJ
fsr-3890	173	10	interest	interest	NOUN
fsr-3890	173	11	government	government	NOUN
fsr-3890	173	12	bonds	bond	NOUN
fsr-3890	173	13	.	.	PUNCT
fsr-3890	174	1	what	what	PRON
fsr-3890	174	2	would	would	AUX
fsr-3890	174	3	you	you	PRON
fsr-3890	174	4	do	do	VERB
fsr-3890	174	5	?	?	PUNCT
fsr-3890	175	1	a.	a.	NOUN
fsr-3890	175	2	hold	hold	VERB
fsr-3890	175	3	the	the	DET
fsr-3890	175	4	bonds	bond	NOUN
fsr-3890	175	5	b.	b.	PROPN
fsr-3890	176	1	sell	sell	VERB
fsr-3890	176	2	the	the	DET
fsr-3890	176	3	bonds	bond	NOUN
fsr-3890	176	4	,	,	PUNCT
fsr-3890	176	5	put	put	VERB
fsr-3890	176	6	half	half	DET
fsr-3890	176	7	the	the	DET
fsr-3890	176	8	proceeds	proceed	NOUN
fsr-3890	176	9	into	into	ADP
fsr-3890	176	10	money	money	NOUN
fsr-3890	176	11	market	market	NOUN
fsr-3890	176	12	accounts	account	NOUN
fsr-3890	176	13	,	,	PUNCT
fsr-3890	176	14	and	and	CCONJ
fsr-3890	176	15	the	the	DET
fsr-3890	176	16	other	other	ADJ
fsr-3890	176	17	half	half	NOUN
fsr-3890	176	18	into	into	ADP
fsr-3890	176	19	hard	hard	ADJ
fsr-3890	176	20	assets	asset	NOUN
fsr-3890	176	21	c.	c.	NOUN
fsr-3890	176	22	sell	sell	VERB
fsr-3890	176	23	the	the	DET
fsr-3890	176	24	bonds	bond	NOUN
fsr-3890	176	25	and	and	CCONJ
fsr-3890	176	26	put	put	VERB
fsr-3890	176	27	the	the	DET
fsr-3890	176	28	total	total	ADJ
fsr-3890	176	29	proceeds	proceed	NOUN
fsr-3890	176	30	into	into	ADP
fsr-3890	176	31	hard	hard	ADJ
fsr-3890	176	32	assets	asset	NOUN
fsr-3890	176	33	d.	d.	PROPN
fsr-3890	176	34	sell	sell	VERB
fsr-3890	176	35	the	the	DET
fsr-3890	176	36	bonds	bond	NOUN
fsr-3890	176	37	,	,	PUNCT
fsr-3890	176	38	put	put	VERB
fsr-3890	176	39	all	all	DET
fsr-3890	176	40	the	the	DET
fsr-3890	176	41	money	money	NOUN
fsr-3890	176	42	into	into	ADP
fsr-3890	176	43	hard	hard	ADJ
fsr-3890	176	44	assets	asset	NOUN
fsr-3890	176	45	,	,	PUNCT
fsr-3890	176	46	and	and	CCONJ
fsr-3890	176	47	borrow	borrow	VERB
fsr-3890	176	48	additional	additional	ADJ
fsr-3890	176	49	money	money	NOUN
fsr-3890	176	50	to	to	PART
fsr-3890	176	51	buy	buy	VERB
fsr-3890	176	52	more	more	ADJ
fsr-3890	176	53	13	13	NUM
fsr-3890	176	54	.	.	PUNCT
fsr-3890	177	1	assume	assume	VERB
fsr-3890	177	2	you	you	PRON
fsr-3890	177	3	are	be	AUX
fsr-3890	177	4	going	go	VERB
fsr-3890	177	5	to	to	PART
fsr-3890	177	6	buy	buy	VERB
fsr-3890	177	7	a	a	DET
fsr-3890	177	8	home	home	NOUN
fsr-3890	177	9	in	in	ADP
fsr-3890	177	10	the	the	DET
fsr-3890	177	11	next	next	ADJ
fsr-3890	177	12	few	few	ADJ
fsr-3890	177	13	weeks	week	NOUN
fsr-3890	177	14	.	.	PUNCT
fsr-3890	178	1	your	your	PRON
fsr-3890	178	2	strategy	strategy	NOUN
fsr-3890	178	3	would	would	AUX
fsr-3890	178	4	probably	probably	ADV
fsr-3890	178	5	be	be	AUX
fsr-3890	178	6	:	:	PUNCT
fsr-3890	178	7	a.	a.	NOUN
fsr-3890	178	8	to	to	PART
fsr-3890	178	9	buy	buy	VERB
fsr-3890	178	10	an	an	DET
fsr-3890	178	11	affordable	affordable	ADJ
fsr-3890	178	12	house	house	NOUN
fsr-3890	178	13	where	where	SCONJ
fsr-3890	178	14	you	you	PRON
fsr-3890	178	15	can	can	AUX
fsr-3890	178	16	make	make	VERB
fsr-3890	178	17	monthly	monthly	ADJ
fsr-3890	178	18	payments	payment	NOUN
fsr-3890	178	19	comfortably	comfortably	ADV
fsr-3890	178	20	b.	b.	VERB
fsr-3890	178	21	to	to	PART
fsr-3890	178	22	stretch	stretch	VERB
fsr-3890	178	23	a	a	DET
fsr-3890	178	24	bit	bit	NOUN
fsr-3890	178	25	financially	financially	ADV
fsr-3890	178	26	to	to	PART
fsr-3890	178	27	buy	buy	VERB
fsr-3890	178	28	the	the	DET
fsr-3890	178	29	house	house	NOUN
fsr-3890	178	30	you	you	PRON
fsr-3890	178	31	really	really	ADV
fsr-3890	178	32	want	want	VERB
fsr-3890	178	33	c.	c.	NOUN
fsr-3890	178	34	to	to	PART
fsr-3890	178	35	buy	buy	VERB
fsr-3890	178	36	the	the	DET
fsr-3890	178	37	most	most	ADV
fsr-3890	178	38	expensive	expensive	ADJ
fsr-3890	178	39	house	house	NOUN
fsr-3890	178	40	you	you	PRON
fsr-3890	178	41	can	can	AUX
fsr-3890	178	42	qualify	qualify	VERB
fsr-3890	178	43	for	for	SCONJ
fsr-3890	178	44	d.	d.	PROPN
fsr-3890	178	45	to	to	PART
fsr-3890	178	46	borrow	borrow	VERB
fsr-3890	178	47	money	money	NOUN
fsr-3890	178	48	from	from	ADP
fsr-3890	178	49	friends	friend	NOUN
fsr-3890	178	50	and	and	CCONJ
fsr-3890	178	51	relatives	relative	NOUN
fsr-3890	178	52	so	so	SCONJ
fsr-3890	178	53	you	you	PRON
fsr-3890	178	54	can	can	AUX
fsr-3890	178	55	qualify	qualify	VERB
fsr-3890	178	56	for	for	ADP
fsr-3890	178	57	a	a	DET
fsr-3890	178	58	bigger	big	ADJ
fsr-3890	178	59	mortgage	mortgage	NOUN
fsr-3890	178	60	14	14	NUM
fsr-3890	178	61	.	.	PUNCT
fsr-3890	179	1	given	give	VERB
fsr-3890	179	2	the	the	DET
fsr-3890	179	3	best	good	ADJ
fsr-3890	179	4	and	and	CCONJ
fsr-3890	179	5	worst	bad	ADJ
fsr-3890	179	6	case	case	NOUN
fsr-3890	179	7	returns	return	NOUN
fsr-3890	179	8	of	of	ADP
fsr-3890	179	9	the	the	DET
fsr-3890	179	10	four	four	NUM
fsr-3890	179	11	investment	investment	NOUN
fsr-3890	179	12	choices	choice	NOUN
fsr-3890	179	13	below	below	ADV
fsr-3890	179	14	,	,	PUNCT
fsr-3890	179	15	which	which	PRON
fsr-3890	179	16	would	would	AUX
fsr-3890	179	17	you	you	PRON
fsr-3890	179	18	prefer	prefer	VERB
fsr-3890	179	19	?	?	PUNCT
fsr-3890	179	20	a.	a.	NOUN
fsr-3890	179	21	$	$	SYM
fsr-3890	179	22	200	200	NUM
fsr-3890	179	23	gain	gain	VERB
fsr-3890	179	24	best	good	ADJ
fsr-3890	179	25	case	case	NOUN
fsr-3890	179	26	;	;	PUNCT
fsr-3890	179	27	$	$	SYM
fsr-3890	179	28	0	0	NUM
fsr-3890	179	29	gain	gain	NOUN
fsr-3890	179	30	/	/	SYM
fsr-3890	179	31	loss	loss	NOUN
fsr-3890	179	32	worst	bad	ADJ
fsr-3890	179	33	case	case	NOUN
fsr-3890	179	34	b.	b.	NOUN
fsr-3890	179	35	$	$	SYM
fsr-3890	179	36	800	800	NUM
fsr-3890	179	37	gain	gain	VERB
fsr-3890	179	38	best	good	ADJ
fsr-3890	179	39	case	case	NOUN
fsr-3890	179	40	;	;	PUNCT
fsr-3890	179	41	$	$	SYM
fsr-3890	179	42	200	200	NUM
fsr-3890	179	43	loss	loss	NOUN
fsr-3890	179	44	worst	bad	ADJ
fsr-3890	179	45	case	case	NOUN
fsr-3890	179	46	c.	c.	NOUN
fsr-3890	179	47	$	$	SYM
fsr-3890	179	48	2,600	2,600	NUM
fsr-3890	179	49	gain	gain	VERB
fsr-3890	179	50	best	good	ADJ
fsr-3890	179	51	case	case	NOUN
fsr-3890	179	52	;	;	PUNCT
fsr-3890	179	53	$	$	SYM
fsr-3890	179	54	800	800	NUM
fsr-3890	179	55	loss	loss	NOUN
fsr-3890	179	56	worst	bad	ADJ
fsr-3890	179	57	case	case	NOUN
fsr-3890	179	58	d.	d.	NOUN
fsr-3890	179	59	$	$	SYM
fsr-3890	179	60	4,800	4,800	NUM
fsr-3890	179	61	gain	gain	VERB
fsr-3890	179	62	best	good	ADJ
fsr-3890	179	63	case	case	NOUN
fsr-3890	179	64	;	;	PUNCT
fsr-3890	179	65	$	$	SYM
fsr-3890	179	66	2,400	2,400	NUM
fsr-3890	179	67	loss	loss	NOUN
fsr-3890	179	68	worst	bad	ADJ
fsr-3890	179	69	case	case	NOUN
fsr-3890	179	70	15	15	NUM
fsr-3890	179	71	.	.	PUNCT
fsr-3890	179	72	assume	assume	VERB
fsr-3890	179	73	that	that	SCONJ
fsr-3890	179	74	you	you	PRON
fsr-3890	179	75	are	be	AUX
fsr-3890	179	76	applying	apply	VERB
fsr-3890	179	77	for	for	ADP
fsr-3890	179	78	a	a	DET
fsr-3890	179	79	mortgage	mortgage	NOUN
fsr-3890	179	80	.	.	PUNCT
fsr-3890	180	1	interest	interest	NOUN
fsr-3890	180	2	rates	rate	NOUN
fsr-3890	180	3	have	have	AUX
fsr-3890	180	4	been	be	AUX
fsr-3890	180	5	coming	come	VERB
fsr-3890	180	6	down	down	ADP
fsr-3890	180	7	over	over	ADP
fsr-3890	180	8	the	the	DET
fsr-3890	180	9	past	past	ADJ
fsr-3890	180	10	few	few	ADJ
fsr-3890	180	11	months	month	NOUN
fsr-3890	180	12	.	.	PUNCT
fsr-3890	181	1	there	there	PRON
fsr-3890	181	2	’s	’	VERB
fsr-3890	181	3	the	the	DET
fsr-3890	181	4	possibility	possibility	NOUN
fsr-3890	181	5	that	that	SCONJ
fsr-3890	181	6	this	this	DET
fsr-3890	181	7	trend	trend	NOUN
fsr-3890	181	8	will	will	AUX
fsr-3890	181	9	continue	continue	VERB
fsr-3890	181	10	.	.	PUNCT
fsr-3890	182	1	but	but	CCONJ
fsr-3890	182	2	some	some	DET
fsr-3890	182	3	economists	economist	NOUN
fsr-3890	182	4	are	be	AUX
fsr-3890	182	5	predicting	predict	VERB
fsr-3890	182	6	rates	rate	NOUN
fsr-3890	182	7	to	to	PART
fsr-3890	182	8	increase	increase	VERB
fsr-3890	182	9	.	.	PUNCT
fsr-3890	183	1	you	you	PRON
fsr-3890	183	2	have	have	VERB
fsr-3890	183	3	the	the	DET
fsr-3890	183	4	option	option	NOUN
fsr-3890	183	5	of	of	ADP
fsr-3890	183	6	locking	lock	VERB
fsr-3890	183	7	in	in	ADP
fsr-3890	183	8	your	your	PRON
fsr-3890	183	9	mortgage	mortgage	NOUN
fsr-3890	183	10	interest	interest	NOUN
fsr-3890	183	11	rate	rate	NOUN
fsr-3890	183	12	or	or	CCONJ
fsr-3890	183	13	letting	let	VERB
fsr-3890	183	14	it	it	PRON
fsr-3890	183	15	float	float	VERB
fsr-3890	183	16	.	.	PUNCT
fsr-3890	184	1	if	if	SCONJ
fsr-3890	184	2	you	you	PRON
fsr-3890	184	3	lock	lock	VERB
fsr-3890	184	4	in	in	ADP
fsr-3890	184	5	,	,	PUNCT
fsr-3890	184	6	you	you	PRON
fsr-3890	184	7	will	will	AUX
fsr-3890	184	8	get	get	VERB
fsr-3890	184	9	the	the	DET
fsr-3890	184	10	current	current	ADJ
fsr-3890	184	11	rate	rate	NOUN
fsr-3890	184	12	,	,	PUNCT
fsr-3890	184	13	even	even	ADV
fsr-3890	184	14	if	if	SCONJ
fsr-3890	184	15	interest	interest	NOUN
fsr-3890	184	16	rates	rate	NOUN
fsr-3890	184	17	go	go	VERB
fsr-3890	184	18	up	up	ADV
fsr-3890	184	19	.	.	PUNCT
fsr-3890	185	1	if	if	SCONJ
fsr-3890	185	2	the	the	DET
fsr-3890	185	3	rates	rate	NOUN
fsr-3890	185	4	go	go	VERB
fsr-3890	185	5	down	down	ADV
fsr-3890	185	6	,	,	PUNCT
fsr-3890	185	7	you	you	PRON
fsr-3890	185	8	’ll	’ll	AUX
fsr-3890	185	9	have	have	VERB
fsr-3890	185	10	to	to	PART
fsr-3890	185	11	settle	settle	VERB
fsr-3890	185	12	for	for	ADP
fsr-3890	185	13	the	the	DET
fsr-3890	185	14	higher	high	ADJ
fsr-3890	185	15	locked	lock	VERB
fsr-3890	185	16	in	in	ADP
fsr-3890	185	17	rate	rate	NOUN
fsr-3890	185	18	.	.	PUNCT
fsr-3890	186	1	you	you	PRON
fsr-3890	186	2	plan	plan	VERB
fsr-3890	186	3	to	to	PART
fsr-3890	186	4	live	live	VERB
fsr-3890	186	5	in	in	ADP
fsr-3890	186	6	the	the	DET
fsr-3890	186	7	house	house	NOUN
fsr-3890	186	8	for	for	ADP
fsr-3890	186	9	at	at	ADV
fsr-3890	186	10	least	least	ADV
fsr-3890	186	11	three	three	NUM
fsr-3890	186	12	years	year	NOUN
fsr-3890	186	13	.	.	PUNCT
fsr-3890	187	1	what	what	PRON
fsr-3890	187	2	would	would	AUX
fsr-3890	187	3	you	you	PRON
fsr-3890	187	4	do	do	VERB
fsr-3890	187	5	?	?	PUNCT
fsr-3890	188	1	a.	a.	NOUN
fsr-3890	188	2	definitely	definitely	ADV
fsr-3890	188	3	lock	lock	VERB
fsr-3890	188	4	in	in	ADP
fsr-3890	188	5	the	the	DET
fsr-3890	188	6	interest	interest	NOUN
fsr-3890	188	7	rate	rate	NOUN
fsr-3890	188	8	b.	b.	PROPN
fsr-3890	189	1	probably	probably	ADV
fsr-3890	189	2	lock	lock	VERB
fsr-3890	189	3	in	in	ADP
fsr-3890	189	4	the	the	DET
fsr-3890	189	5	interest	interest	NOUN
fsr-3890	189	6	rate	rate	NOUN
fsr-3890	189	7	c.	c.	PROPN
fsr-3890	189	8	probably	probably	ADV
fsr-3890	189	9	let	let	VERB
fsr-3890	189	10	the	the	DET
fsr-3890	189	11	interest	interest	NOUN
fsr-3890	189	12	rate	rate	NOUN
fsr-3890	189	13	float	float	PROPN
fsr-3890	189	14	d.	d.	PROPN
fsr-3890	189	15	definitely	definitely	ADV
fsr-3890	189	16	let	let	VERB
fsr-3890	189	17	the	the	DET
fsr-3890	189	18	interest	interest	NOUN
fsr-3890	189	19	rate	rate	NOUN
fsr-3890	189	20	float	float	VERB
fsr-3890	189	21	16	16	NUM
fsr-3890	189	22	.	.	PUNCT
fsr-3890	190	1	in	in	ADP
fsr-3890	190	2	addition	addition	NOUN
fsr-3890	190	3	to	to	ADP
fsr-3890	190	4	whatever	whatever	PRON
fsr-3890	190	5	you	you	PRON
fsr-3890	190	6	own	own	VERB
fsr-3890	190	7	,	,	PUNCT
fsr-3890	190	8	you	you	PRON
fsr-3890	190	9	have	have	AUX
fsr-3890	190	10	been	be	AUX
fsr-3890	190	11	given	give	VERB
fsr-3890	190	12	$	$	SYM
fsr-3890	190	13	1,000	1,000	NUM
fsr-3890	190	14	.	.	PUNCT
fsr-3890	191	1	you	you	PRON
fsr-3890	191	2	are	be	AUX
fsr-3890	191	3	now	now	ADV
fsr-3890	191	4	asked	ask	VERB
fsr-3890	191	5	to	to	PART
fsr-3890	191	6	choose	choose	VERB
fsr-3890	191	7	between	between	ADP
fsr-3890	191	8	:	:	PUNCT
fsr-3890	191	9	a.	a.	NOUN
fsr-3890	191	10	a	a	DET
fsr-3890	191	11	sure	sure	ADJ
fsr-3890	191	12	gain	gain	NOUN
fsr-3890	191	13	of	of	ADP
fsr-3890	191	14	$	$	SYM
fsr-3890	191	15	500	500	NUM
fsr-3890	191	16	b.	b.	NOUN
fsr-3890	191	17	a	a	DET
fsr-3890	191	18	50	50	NUM
fsr-3890	191	19	%	%	NOUN
fsr-3890	191	20	chance	chance	NOUN
fsr-3890	191	21	to	to	PART
fsr-3890	191	22	gain	gain	VERB
fsr-3890	191	23	$	$	SYM
fsr-3890	191	24	1,000	1,000	NUM
fsr-3890	191	25	and	and	CCONJ
fsr-3890	191	26	a	a	DET
fsr-3890	191	27	50	50	NUM
fsr-3890	191	28	%	%	NOUN
fsr-3890	191	29	chance	chance	NOUN
fsr-3890	191	30	to	to	PART
fsr-3890	191	31	gain	gain	VERB
fsr-3890	191	32	nothing	nothing	PRON
fsr-3890	191	33	17	17	NUM
fsr-3890	191	34	.	.	PUNCT
fsr-3890	192	1	in	in	ADP
fsr-3890	192	2	addition	addition	NOUN
fsr-3890	192	3	to	to	ADP
fsr-3890	192	4	whatever	whatever	PRON
fsr-3890	192	5	you	you	PRON
fsr-3890	192	6	own	own	VERB
fsr-3890	192	7	,	,	PUNCT
fsr-3890	192	8	you	you	PRON
fsr-3890	192	9	have	have	AUX
fsr-3890	192	10	been	be	AUX
fsr-3890	192	11	given	give	VERB
fsr-3890	192	12	$	$	SYM
fsr-3890	192	13	2,000	2,000	NUM
fsr-3890	192	14	.	.	PUNCT
fsr-3890	193	1	you	you	PRON
fsr-3890	193	2	are	be	AUX
fsr-3890	193	3	now	now	ADV
fsr-3890	193	4	asked	ask	VERB
fsr-3890	193	5	to	to	PART
fsr-3890	193	6	choose	choose	VERB
fsr-3890	193	7	between	between	ADP
fsr-3890	193	8	:	:	PUNCT
fsr-3890	193	9	a.	a.	NOUN
fsr-3890	193	10	a	a	DET
fsr-3890	193	11	sure	sure	ADJ
fsr-3890	193	12	loss	loss	NOUN
fsr-3890	193	13	of	of	ADP
fsr-3890	193	14	$	$	SYM
fsr-3890	193	15	500	500	NUM
fsr-3890	193	16	b.	b.	NOUN
fsr-3890	193	17	a	a	DET
fsr-3890	193	18	50	50	NUM
fsr-3890	193	19	%	%	NOUN
fsr-3890	193	20	chance	chance	NOUN
fsr-3890	193	21	to	to	PART
fsr-3890	193	22	lose	lose	VERB
fsr-3890	193	23	$	$	SYM
fsr-3890	193	24	1,000	1,000	NUM
fsr-3890	193	25	and	and	CCONJ
fsr-3890	193	26	a	a	DET
fsr-3890	193	27	50	50	NUM
fsr-3890	193	28	%	%	NOUN
fsr-3890	193	29	chance	chance	NOUN
fsr-3890	193	30	to	to	PART
fsr-3890	193	31	lose	lose	VERB
fsr-3890	193	32	nothing	nothing	PRON
fsr-3890	193	33	18	18	NUM
fsr-3890	193	34	.	.	PUNCT
fsr-3890	194	1	suppose	suppose	VERB
fsr-3890	194	2	a	a	DET
fsr-3890	194	3	relative	relative	NOUN
fsr-3890	194	4	left	leave	VERB
fsr-3890	194	5	you	you	PRON
fsr-3890	194	6	an	an	DET
fsr-3890	194	7	inheritance	inheritance	NOUN
fsr-3890	194	8	of	of	ADP
fsr-3890	194	9	$	$	SYM
fsr-3890	194	10	100,000	100,000	NUM
fsr-3890	194	11	,	,	PUNCT
fsr-3890	194	12	stipulating	stipulate	VERB
fsr-3890	194	13	in	in	ADP
fsr-3890	194	14	the	the	DET
fsr-3890	194	15	will	will	NOUN
fsr-3890	194	16	that	that	PRON
fsr-3890	194	17	you	you	PRON
fsr-3890	194	18	invest	invest	VERB
fsr-3890	194	19	all	all	DET
fsr-3890	194	20	the	the	DET
fsr-3890	194	21	money	money	NOUN
fsr-3890	194	22	in	in	ADP
fsr-3890	194	23	one	one	NUM
fsr-3890	194	24	of	of	ADP
fsr-3890	194	25	the	the	DET
fsr-3890	194	26	following	follow	VERB
fsr-3890	194	27	choices	choice	NOUN
fsr-3890	194	28	.	.	PUNCT
fsr-3890	195	1	which	which	DET
fsr-3890	195	2	one	one	PRON
fsr-3890	195	3	would	would	AUX
fsr-3890	195	4	you	you	PRON
fsr-3890	195	5	select	select	VERB
fsr-3890	195	6	?	?	PUNCT
fsr-3890	196	1	a.	a.	NOUN
fsr-3890	197	1	a	a	DET
fsr-3890	197	2	savings	saving	NOUN
fsr-3890	197	3	account	account	NOUN
fsr-3890	197	4	or	or	CCONJ
fsr-3890	197	5	money	money	NOUN
fsr-3890	197	6	market	market	NOUN
fsr-3890	197	7	mutual	mutual	ADJ
fsr-3890	197	8	fund	fund	NOUN
fsr-3890	197	9	b.	b.	PROPN
fsr-3890	197	10	a	a	DET
fsr-3890	197	11	mutual	mutual	ADJ
fsr-3890	197	12	fund	fund	NOUN
fsr-3890	197	13	that	that	PRON
fsr-3890	197	14	owns	own	VERB
fsr-3890	197	15	stocks	stock	NOUN
fsr-3890	197	16	and	and	CCONJ
fsr-3890	197	17	bonds	bond	NOUN
fsr-3890	197	18	c.	c.	PROPN
fsr-3890	197	19	a	a	DET
fsr-3890	197	20	portfolio	portfolio	NOUN
fsr-3890	197	21	of	of	ADP
fsr-3890	197	22	15	15	NUM
fsr-3890	197	23	common	common	ADJ
fsr-3890	197	24	stocks	stock	NOUN
fsr-3890	197	25	d.	d.	PROPN
fsr-3890	197	26	commodities	commodity	NOUN
fsr-3890	197	27	like	like	ADP
fsr-3890	197	28	gold	gold	NOUN
fsr-3890	197	29	,	,	PUNCT
fsr-3890	197	30	silver	silver	NOUN
fsr-3890	197	31	,	,	PUNCT
fsr-3890	197	32	and	and	CCONJ
fsr-3890	197	33	oil	oil	NOUN
fsr-3890	197	34	19	19	NUM
fsr-3890	197	35	.	.	PUNCT
fsr-3890	198	1	if	if	SCONJ
fsr-3890	198	2	you	you	PRON
fsr-3890	198	3	had	have	VERB
fsr-3890	198	4	to	to	PART
fsr-3890	198	5	invest	invest	VERB
fsr-3890	198	6	$	$	SYM
fsr-3890	198	7	20,000	20,000	NUM
fsr-3890	198	8	,	,	PUNCT
fsr-3890	198	9	which	which	PRON
fsr-3890	198	10	of	of	ADP
fsr-3890	198	11	the	the	DET
fsr-3890	198	12	following	follow	VERB
fsr-3890	198	13	investment	investment	NOUN
fsr-3890	198	14	choices	choice	NOUN
fsr-3890	198	15	would	would	AUX
fsr-3890	198	16	you	you	PRON
fsr-3890	198	17	find	find	VERB
fsr-3890	198	18	most	most	ADV
fsr-3890	198	19	appealing	appealing	ADJ
fsr-3890	198	20	?	?	PUNCT
fsr-3890	199	1	a.	a.	NOUN
fsr-3890	199	2	60	60	NUM
fsr-3890	199	3	%	%	NOUN
fsr-3890	199	4	in	in	ADP
fsr-3890	199	5	low	low	ADJ
fsr-3890	199	6	-	-	PUNCT
fsr-3890	199	7	risk	risk	NOUN
fsr-3890	199	8	investments	investment	NOUN
fsr-3890	199	9	30	30	NUM
fsr-3890	199	10	%	%	NOUN
fsr-3890	199	11	in	in	ADP
fsr-3890	199	12	medium	medium	ADJ
fsr-3890	199	13	-	-	PUNCT
fsr-3890	199	14	risk	risk	NOUN
fsr-3890	199	15	investments	investment	NOUN
fsr-3890	199	16	10	10	NUM
fsr-3890	199	17	%	%	NOUN
fsr-3890	199	18	in	in	ADP
fsr-3890	199	19	high	high	ADJ
fsr-3890	199	20	-	-	PUNCT
fsr-3890	199	21	risk	risk	NOUN
fsr-3890	199	22	investments	investment	NOUN
fsr-3890	199	23	b.	b.	PROPN
fsr-3890	199	24	30	30	NUM
fsr-3890	199	25	%	%	NOUN
fsr-3890	199	26	in	in	ADP
fsr-3890	199	27	low	low	ADJ
fsr-3890	199	28	-	-	PUNCT
fsr-3890	199	29	risk	risk	NOUN
fsr-3890	199	30	investments	investment	NOUN
fsr-3890	199	31	40	40	NUM
fsr-3890	199	32	%	%	NOUN
fsr-3890	199	33	in	in	ADP
fsr-3890	199	34	medium	medium	ADJ
fsr-3890	199	35	-	-	PUNCT
fsr-3890	199	36	risk	risk	NOUN
fsr-3890	199	37	investments	investment	NOUN
fsr-3890	199	38	30	30	NUM
fsr-3890	199	39	%	%	NOUN
fsr-3890	199	40	in	in	ADP
fsr-3890	199	41	high	high	ADJ
fsr-3890	199	42	-	-	PUNCT
fsr-3890	199	43	risk	risk	NOUN
fsr-3890	199	44	investments	investment	NOUN
fsr-3890	199	45	c.	c.	NOUN
fsr-3890	199	46	10	10	NUM
fsr-3890	199	47	%	%	NOUN
fsr-3890	199	48	in	in	ADP
fsr-3890	199	49	low	low	ADJ
fsr-3890	199	50	-	-	PUNCT
fsr-3890	199	51	risk	risk	NOUN
fsr-3890	199	52	investments	investment	NOUN
fsr-3890	199	53	40	40	NUM
fsr-3890	199	54	%	%	NOUN
fsr-3890	199	55	in	in	ADP
fsr-3890	199	56	medium	medium	ADJ
fsr-3890	199	57	-	-	PUNCT
fsr-3890	199	58	risk	risk	NOUN
fsr-3890	199	59	investments	investment	NOUN
fsr-3890	199	60	50	50	NUM
fsr-3890	199	61	%	%	NOUN
fsr-3890	199	62	in	in	ADP
fsr-3890	199	63	high	high	ADJ
fsr-3890	199	64	-	-	PUNCT
fsr-3890	199	65	risk	risk	NOUN
fsr-3890	199	66	investments	investment	NOUN
fsr-3890	199	67	171j	171j	PROPN
fsr-3890	199	68	.	.	PUNCT
fsr-3890	200	1	grable	grable	PROPN
fsr-3890	200	2	,	,	PUNCT
fsr-3890	200	3	r.h	r.h	PROPN
fsr-3890	200	4	.	.	PROPN
fsr-3890	200	5	lytton	lytton	PROPN
fsr-3890	200	6	/	/	SYM
fsr-3890	200	7	financial	financial	ADJ
fsr-3890	200	8	services	service	NOUN
fsr-3890	200	9	review	review	VERB
fsr-3890	200	10	8	8	NUM
fsr-3890	200	11	(	(	PUNCT
fsr-3890	200	12	1999	1999	NUM
fsr-3890	200	13	)	)	PUNCT
fsr-3890	201	1	163–181	163–181	NUM
fsr-3890	201	2	bigger	big	ADJ
fsr-3890	201	3	mortgage	mortgage	NOUN
fsr-3890	201	4	”	"	PUNCT
fsr-3890	201	5	as	as	SCONJ
fsr-3890	201	6	opposed	oppose	VERB
fsr-3890	201	7	to	to	ADP
fsr-3890	201	8	an	an	DET
fsr-3890	201	9	individual	individual	NOUN
fsr-3890	201	10	who	who	PRON
fsr-3890	201	11	would	would	AUX
fsr-3890	201	12	choose	choose	VERB
fsr-3890	201	13	the	the	DET
fsr-3890	201	14	affordable	affordable	ADJ
fsr-3890	201	15	house	house	NOUN
fsr-3890	201	16	with	with	ADP
fsr-3890	201	17	a	a	DET
fsr-3890	201	18	comfortable	comfortable	ADJ
fsr-3890	201	19	monthly	monthly	ADJ
fsr-3890	201	20	payment	payment	NOUN
fsr-3890	201	21	.	.	PUNCT
fsr-3890	202	1	financial	financial	ADJ
fsr-3890	202	2	risk	risk	NOUN
fsr-3890	202	3	tolerance	tolerance	NOUN
fsr-3890	202	4	,	,	PUNCT
fsr-3890	202	5	as	as	ADP
fsr-3890	202	6	a	a	DET
fsr-3890	202	7	choice	choice	NOUN
fsr-3890	202	8	between	between	ADP
fsr-3890	202	9	a	a	DET
fsr-3890	202	10	sure	sure	ADJ
fsr-3890	202	11	loss	loss	NOUN
fsr-3890	202	12	and	and	CCONJ
fsr-3890	202	13	a	a	DET
fsr-3890	202	14	sure	sure	ADJ
fsr-3890	202	15	gain	gain	NOUN
fsr-3890	202	16	,	,	PUNCT
fsr-3890	202	17	can	can	AUX
fsr-3890	202	18	be	be	AUX
fsr-3890	202	19	measured	measure	VERB
fsr-3890	202	20	effectively	effectively	ADV
fsr-3890	202	21	by	by	ADP
fsr-3890	202	22	framing	frame	VERB
fsr-3890	202	23	questions	question	NOUN
fsr-3890	202	24	that	that	PRON
fsr-3890	202	25	require	require	VERB
fsr-3890	202	26	respondents	respondent	NOUN
fsr-3890	202	27	to	to	PART
fsr-3890	202	28	choose	choose	VERB
fsr-3890	202	29	among	among	ADP
fsr-3890	202	30	alternatives	alternative	NOUN
fsr-3890	202	31	without	without	ADP
fsr-3890	202	32	complete	complete	ADJ
fsr-3890	202	33	information	information	NOUN
fsr-3890	202	34	.	.	PUNCT
fsr-3890	203	1	items	item	NOUN
fsr-3890	203	2	seven	seven	NUM
fsr-3890	203	3	and	and	CCONJ
fsr-3890	203	4	14	14	NUM
fsr-3890	203	5	are	be	AUX
fsr-3890	203	6	based	base	VERB
fsr-3890	203	7	on	on	ADP
fsr-3890	203	8	findings	finding	NOUN
fsr-3890	203	9	which	which	PRON
fsr-3890	203	10	suggest	suggest	VERB
fsr-3890	203	11	that	that	SCONJ
fsr-3890	203	12	risk	risk	NOUN
fsr-3890	203	13	-	-	PUNCT
fsr-3890	203	14	tolerant	tolerant	ADJ
fsr-3890	203	15	individuals	individual	NOUN
fsr-3890	203	16	are	be	AUX
fsr-3890	203	17	more	more	ADV
fsr-3890	203	18	likely	likely	ADJ
fsr-3890	203	19	to	to	PART
fsr-3890	203	20	feel	feel	VERB
fsr-3890	203	21	a	a	DET
fsr-3890	203	22	sense	sense	NOUN
fsr-3890	203	23	of	of	ADP
fsr-3890	203	24	satisfaction	satisfaction	NOUN
fsr-3890	203	25	when	when	SCONJ
fsr-3890	203	26	they	they	PRON
fsr-3890	203	27	make	make	VERB
fsr-3890	203	28	money	money	NOUN
fsr-3890	203	29	by	by	ADP
fsr-3890	203	30	taking	take	VERB
fsr-3890	203	31	some	some	DET
fsr-3890	203	32	sort	sort	NOUN
fsr-3890	203	33	of	of	ADP
fsr-3890	203	34	action	action	NOUN
fsr-3890	203	35	with	with	ADP
fsr-3890	203	36	incomplete	incomplete	ADJ
fsr-3890	203	37	information	information	NOUN
fsr-3890	203	38	(	(	PUNCT
fsr-3890	203	39	malkiel	malkiel	PROPN
fsr-3890	203	40	,	,	PUNCT
fsr-3890	203	41	1994	1994	NUM
fsr-3890	203	42	;	;	PUNCT
fsr-3890	203	43	pring	pring	NOUN
fsr-3890	203	44	,	,	PUNCT
fsr-3890	203	45	1993	1993	NUM
fsr-3890	203	46	;	;	PUNCT
fsr-3890	203	47	rowland	rowland	PROPN
fsr-3890	203	48	,	,	PUNCT
fsr-3890	203	49	1996	1996	NUM
fsr-3890	203	50	)	)	PUNCT
fsr-3890	203	51	.	.	PUNCT
fsr-3890	204	1	on	on	ADP
fsr-3890	204	2	the	the	DET
fsr-3890	204	3	other	other	ADJ
fsr-3890	204	4	hand	hand	NOUN
fsr-3890	204	5	,	,	PUNCT
fsr-3890	204	6	a	a	DET
fsr-3890	204	7	person	person	NOUN
fsr-3890	204	8	who	who	PRON
fsr-3890	204	9	is	be	AUX
fsr-3890	204	10	less	less	ADV
fsr-3890	204	11	proactive	proactive	ADJ
fsr-3890	204	12	in	in	ADP
fsr-3890	204	13	earning	earn	VERB
fsr-3890	204	14	a	a	DET
fsr-3890	204	15	gain	gain	NOUN
fsr-3890	204	16	because	because	SCONJ
fsr-3890	204	17	of	of	ADP
fsr-3890	204	18	limited	limited	ADJ
fsr-3890	204	19	information	information	NOUN
fsr-3890	204	20	,	,	PUNCT
fsr-3890	204	21	yet	yet	CCONJ
fsr-3890	204	22	still	still	ADV
fsr-3890	204	23	receives	receive	VERB
fsr-3890	204	24	a	a	DET
fsr-3890	204	25	significant	significant	ADJ
fsr-3890	204	26	payout	payout	NOUN
fsr-3890	204	27	(	(	PUNCT
fsr-3890	204	28	e.g.	e.g.	ADV
fsr-3890	204	29	,	,	PUNCT
fsr-3890	204	30	receiving	receive	VERB
fsr-3890	204	31	an	an	DET
fsr-3890	204	32	inheritance	inheritance	NOUN
fsr-3890	204	33	)	)	PUNCT
fsr-3890	204	34	,	,	PUNCT
fsr-3890	204	35	is	be	AUX
fsr-3890	204	36	generally	generally	ADV
fsr-3890	204	37	less	less	ADJ
fsr-3890	204	38	risk	risk	NOUN
fsr-3890	204	39	tolerant	tolerant	ADJ
fsr-3890	204	40	.	.	PUNCT
fsr-3890	205	1	the	the	DET
fsr-3890	205	2	literature	literature	NOUN
fsr-3890	205	3	also	also	ADV
fsr-3890	205	4	suggests	suggest	VERB
fsr-3890	205	5	that	that	SCONJ
fsr-3890	205	6	respondents	respondent	NOUN
fsr-3890	205	7	who	who	PRON
fsr-3890	205	8	perceive	perceive	VERB
fsr-3890	205	9	themselves	themselves	PRON
fsr-3890	205	10	as	as	ADP
fsr-3890	205	11	experienced	experienced	ADJ
fsr-3890	205	12	investors	investor	NOUN
fsr-3890	205	13	or	or	CCONJ
fsr-3890	205	14	more	more	ADV
fsr-3890	205	15	knowledgeable	knowledgeable	ADJ
fsr-3890	205	16	about	about	ADP
fsr-3890	205	17	personal	personal	ADJ
fsr-3890	205	18	finance	finance	NOUN
fsr-3890	205	19	issues	issue	NOUN
fsr-3890	205	20	also	also	ADV
fsr-3890	205	21	tend	tend	VERB
fsr-3890	205	22	to	to	PART
fsr-3890	205	23	be	be	AUX
fsr-3890	205	24	more	more	ADJ
fsr-3890	205	25	risk	risk	NOUN
fsr-3890	205	26	tolerant	tolerant	ADJ
fsr-3890	205	27	than	than	ADP
fsr-3890	205	28	others	other	NOUN
fsr-3890	205	29	(	(	PUNCT
fsr-3890	205	30	goldberg	goldberg	PROPN
fsr-3890	205	31	,	,	PUNCT
fsr-3890	205	32	1995	1995	NUM
fsr-3890	205	33	;	;	PUNCT
fsr-3890	205	34	grable	grable	NOUN
fsr-3890	205	35	and	and	CCONJ
fsr-3890	205	36	joo	joo	NOUN
fsr-3890	205	37	,	,	PUNCT
fsr-3890	205	38	1997	1997	NUM
fsr-3890	205	39	)	)	PUNCT
fsr-3890	205	40	.	.	PUNCT
fsr-3890	206	1	items	item	NOUN
fsr-3890	206	2	one	one	NUM
fsr-3890	206	3	,	,	PUNCT
fsr-3890	206	4	five	five	NUM
fsr-3890	206	5	,	,	PUNCT
fsr-3890	206	6	six	six	NUM
fsr-3890	206	7	,	,	PUNCT
fsr-3890	206	8	eight	eight	NUM
fsr-3890	206	9	,	,	PUNCT
fsr-3890	206	10	nine	nine	NUM
fsr-3890	206	11	,	,	PUNCT
fsr-3890	206	12	10	10	NUM
fsr-3890	206	13	,	,	PUNCT
fsr-3890	206	14	12	12	NUM
fsr-3890	206	15	,	,	PUNCT
fsr-3890	206	16	15	15	NUM
fsr-3890	206	17	,	,	PUNCT
fsr-3890	206	18	and	and	CCONJ
fsr-3890	206	19	18	18	NUM
fsr-3890	206	20	all	all	PRON
fsr-3890	206	21	have	have	VERB
fsr-3890	206	22	aspects	aspect	NOUN
fsr-3890	206	23	of	of	ADP
fsr-3890	206	24	the	the	DET
fsr-3890	206	25	question	question	NOUN
fsr-3890	206	26	that	that	PRON
fsr-3890	206	27	require	require	VERB
fsr-3890	206	28	some	some	DET
fsr-3890	206	29	degree	degree	NOUN
fsr-3890	206	30	of	of	ADP
fsr-3890	206	31	expertise	expertise	NOUN
fsr-3890	206	32	or	or	CCONJ
fsr-3890	206	33	knowledge	knowledge	NOUN
fsr-3890	206	34	to	to	PART
fsr-3890	206	35	answer	answer	VERB
fsr-3890	206	36	the	the	DET
fsr-3890	206	37	item	item	NOUN
fsr-3890	206	38	.	.	PUNCT
fsr-3890	207	1	for	for	ADP
fsr-3890	207	2	instance	instance	NOUN
fsr-3890	207	3	,	,	PUNCT
fsr-3890	207	4	several	several	ADJ
fsr-3890	207	5	of	of	ADP
fsr-3890	207	6	these	these	DET
fsr-3890	207	7	items	item	NOUN
fsr-3890	207	8	require	require	VERB
fsr-3890	207	9	specific	specific	ADJ
fsr-3890	207	10	knowledge	knowledge	NOUN
fsr-3890	207	11	and	and	CCONJ
fsr-3890	207	12	expertise	expertise	NOUN
fsr-3890	207	13	about	about	ADP
fsr-3890	207	14	interest	interest	NOUN
fsr-3890	207	15	rates	rate	NOUN
fsr-3890	207	16	,	,	PUNCT
fsr-3890	207	17	mortgage	mortgage	NOUN
fsr-3890	207	18	markets	market	NOUN
fsr-3890	207	19	,	,	PUNCT
fsr-3890	207	20	and	and	CCONJ
fsr-3890	207	21	investing	investing	NOUN
fsr-3890	207	22	.	.	PUNCT
fsr-3890	208	1	these	these	DET
fsr-3890	208	2	type	type	NOUN
fsr-3890	208	3	of	of	ADP
fsr-3890	208	4	assessment	assessment	NOUN
fsr-3890	208	5	items	item	NOUN
fsr-3890	208	6	are	be	AUX
fsr-3890	208	7	useful	useful	ADJ
fsr-3890	208	8	because	because	SCONJ
fsr-3890	208	9	,	,	PUNCT
fsr-3890	208	10	if	if	SCONJ
fsr-3890	208	11	it	it	PRON
fsr-3890	208	12	is	be	AUX
fsr-3890	208	13	true	true	ADJ
fsr-3890	208	14	that	that	SCONJ
fsr-3890	208	15	experience	experience	NOUN
fsr-3890	208	16	and	and	CCONJ
fsr-3890	208	17	knowledge	knowledge	NOUN
fsr-3890	208	18	are	be	AUX
fsr-3890	208	19	positively	positively	ADV
fsr-3890	208	20	related	relate	VERB
fsr-3890	208	21	to	to	PART
fsr-3890	208	22	risk	risk	VERB
fsr-3890	208	23	tolerance	tolerance	NOUN
fsr-3890	208	24	,	,	PUNCT
fsr-3890	208	25	a	a	DET
fsr-3890	208	26	respondent	respondent	NOUN
fsr-3890	208	27	who	who	PRON
fsr-3890	208	28	answers	answer	VERB
fsr-3890	208	29	aggressively	aggressively	ADV
fsr-3890	208	30	to	to	ADP
fsr-3890	208	31	these	these	DET
fsr-3890	208	32	items	item	NOUN
fsr-3890	208	33	should	should	AUX
fsr-3890	208	34	,	,	PUNCT
fsr-3890	208	35	on	on	ADP
fsr-3890	208	36	average	average	ADJ
fsr-3890	208	37	,	,	PUNCT
fsr-3890	208	38	be	be	AUX
fsr-3890	208	39	more	more	ADJ
fsr-3890	208	40	risk	risk	NOUN
fsr-3890	208	41	tolerant	tolerant	ADJ
fsr-3890	208	42	than	than	ADP
fsr-3890	208	43	others	other	NOUN
fsr-3890	208	44	.	.	PUNCT
fsr-3890	209	1	highly	highly	ADV
fsr-3890	209	2	related	relate	VERB
fsr-3890	209	3	to	to	ADP
fsr-3890	209	4	expertise	expertise	NOUN
fsr-3890	209	5	and	and	CCONJ
fsr-3890	209	6	knowledge	knowledge	NOUN
fsr-3890	209	7	is	be	AUX
fsr-3890	209	8	a	a	DET
fsr-3890	209	9	respondent	respondent	NOUN
fsr-3890	209	10	’s	’s	PART
fsr-3890	209	11	overall	overall	ADJ
fsr-3890	209	12	comfort	comfort	NOUN
fsr-3890	209	13	level	level	NOUN
fsr-3890	209	14	when	when	SCONJ
fsr-3890	209	15	making	make	VERB
fsr-3890	209	16	a	a	DET
fsr-3890	209	17	risky	risky	ADJ
fsr-3890	209	18	choice	choice	NOUN
fsr-3890	209	19	.	.	PUNCT
fsr-3890	210	1	items	item	NOUN
fsr-3890	210	2	one	one	NUM
fsr-3890	210	3	,	,	PUNCT
fsr-3890	210	4	three	three	NUM
fsr-3890	210	5	,	,	PUNCT
fsr-3890	210	6	four	four	NUM
fsr-3890	210	7	,	,	PUNCT
fsr-3890	210	8	six	six	NUM
fsr-3890	210	9	through	through	ADP
fsr-3890	210	10	nine	nine	NUM
fsr-3890	210	11	,	,	PUNCT
fsr-3890	210	12	11	11	NUM
fsr-3890	210	13	,	,	PUNCT
fsr-3890	210	14	13	13	NUM
fsr-3890	210	15	,	,	PUNCT
fsr-3890	210	16	15	15	NUM
fsr-3890	210	17	,	,	PUNCT
fsr-3890	210	18	and	and	CCONJ
fsr-3890	210	19	19	19	NUM
fsr-3890	210	20	all	all	PRON
fsr-3890	210	21	assess	assess	VERB
fsr-3890	210	22	attitudinal	attitudinal	ADJ
fsr-3890	210	23	temperament	temperament	NOUN
fsr-3890	210	24	towards	towards	ADP
fsr-3890	210	25	risk	risk	NOUN
fsr-3890	210	26	taking	taking	NOUN
fsr-3890	210	27	.	.	PUNCT
fsr-3890	211	1	these	these	DET
fsr-3890	211	2	items	item	NOUN
fsr-3890	211	3	fit	fit	VERB
fsr-3890	211	4	well	well	ADV
fsr-3890	211	5	with	with	ADP
fsr-3890	211	6	the	the	DET
fsr-3890	211	7	general	general	ADJ
fsr-3890	211	8	consensus	consensus	NOUN
fsr-3890	211	9	that	that	SCONJ
fsr-3890	211	10	certain	certain	ADJ
fsr-3890	211	11	individuals	individual	NOUN
fsr-3890	211	12	share	share	VERB
fsr-3890	211	13	psychological	psychological	ADJ
fsr-3890	211	14	traits	trait	NOUN
fsr-3890	211	15	that	that	PRON
fsr-3890	211	16	allow	allow	VERB
fsr-3890	211	17	them	they	PRON
fsr-3890	211	18	to	to	PART
fsr-3890	211	19	make	make	VERB
fsr-3890	211	20	risky	risky	ADJ
fsr-3890	211	21	choices	choice	NOUN
fsr-3890	211	22	(	(	PUNCT
fsr-3890	211	23	carducci	carducci	PROPN
fsr-3890	211	24	and	and	CCONJ
fsr-3890	211	25	wong	wong	PROPN
fsr-3890	211	26	,	,	PUNCT
fsr-3890	211	27	1998	1998	NUM
fsr-3890	211	28	)	)	PUNCT
fsr-3890	211	29	.	.	PUNCT
fsr-3890	212	1	for	for	ADP
fsr-3890	212	2	example	example	NOUN
fsr-3890	212	3	,	,	PUNCT
fsr-3890	212	4	someone	someone	PRON
fsr-3890	212	5	may	may	AUX
fsr-3890	212	6	be	be	AUX
fsr-3890	212	7	inherently	inherently	ADV
fsr-3890	212	8	more	more	ADV
fsr-3890	212	9	comfortable	comfortable	ADJ
fsr-3890	212	10	table	table	NOUN
fsr-3890	212	11	1(continued	1(continued	NUM
fsr-3890	212	12	)	)	PUNCT
fsr-3890	212	13	items	item	NOUN
fsr-3890	212	14	20	20	NUM
fsr-3890	212	15	.	.	PUNCT
fsr-3890	213	1	your	your	PRON
fsr-3890	213	2	trusted	trust	VERB
fsr-3890	213	3	friend	friend	NOUN
fsr-3890	213	4	and	and	CCONJ
fsr-3890	213	5	neighbor	neighbor	NOUN
fsr-3890	213	6	,	,	PUNCT
fsr-3890	213	7	an	an	DET
fsr-3890	213	8	experienced	experienced	ADJ
fsr-3890	213	9	geologist	geologist	NOUN
fsr-3890	213	10	,	,	PUNCT
fsr-3890	213	11	is	be	AUX
fsr-3890	213	12	putting	put	VERB
fsr-3890	213	13	together	together	ADV
fsr-3890	213	14	a	a	DET
fsr-3890	213	15	group	group	NOUN
fsr-3890	213	16	of	of	ADP
fsr-3890	213	17	investors	investor	NOUN
fsr-3890	213	18	to	to	PART
fsr-3890	213	19	fund	fund	VERB
fsr-3890	213	20	an	an	DET
fsr-3890	213	21	exploratory	exploratory	ADJ
fsr-3890	213	22	gold	gold	NOUN
fsr-3890	213	23	mining	mining	NOUN
fsr-3890	213	24	venture	venture	NOUN
fsr-3890	213	25	.	.	PUNCT
fsr-3890	214	1	the	the	DET
fsr-3890	214	2	venture	venture	NOUN
fsr-3890	214	3	could	could	AUX
fsr-3890	214	4	pay	pay	VERB
fsr-3890	214	5	back	back	ADV
fsr-3890	214	6	50	50	NUM
fsr-3890	214	7	to	to	PART
fsr-3890	214	8	100	100	NUM
fsr-3890	214	9	times	time	NOUN
fsr-3890	214	10	the	the	DET
fsr-3890	214	11	investment	investment	NOUN
fsr-3890	214	12	if	if	SCONJ
fsr-3890	214	13	successful	successful	ADJ
fsr-3890	214	14	.	.	PUNCT
fsr-3890	215	1	if	if	SCONJ
fsr-3890	215	2	the	the	DET
fsr-3890	215	3	mine	mine	NOUN
fsr-3890	215	4	is	be	AUX
fsr-3890	215	5	a	a	DET
fsr-3890	215	6	bust	bust	NOUN
fsr-3890	215	7	,	,	PUNCT
fsr-3890	215	8	the	the	DET
fsr-3890	215	9	entire	entire	ADJ
fsr-3890	215	10	investment	investment	NOUN
fsr-3890	215	11	is	be	AUX
fsr-3890	215	12	worthless	worthless	ADJ
fsr-3890	215	13	.	.	PUNCT
fsr-3890	216	1	your	your	PRON
fsr-3890	216	2	friend	friend	NOUN
fsr-3890	216	3	estimates	estimate	VERB
fsr-3890	216	4	the	the	DET
fsr-3890	216	5	chance	chance	NOUN
fsr-3890	216	6	of	of	ADP
fsr-3890	216	7	success	success	NOUN
fsr-3890	216	8	is	be	AUX
fsr-3890	216	9	only	only	ADV
fsr-3890	216	10	20	20	NUM
fsr-3890	216	11	%	%	NOUN
fsr-3890	216	12	.	.	PUNCT
fsr-3890	217	1	if	if	SCONJ
fsr-3890	217	2	you	you	PRON
fsr-3890	217	3	had	have	VERB
fsr-3890	217	4	the	the	DET
fsr-3890	217	5	money	money	NOUN
fsr-3890	217	6	,	,	PUNCT
fsr-3890	217	7	how	how	SCONJ
fsr-3890	217	8	much	much	ADJ
fsr-3890	217	9	would	would	AUX
fsr-3890	217	10	you	you	PRON
fsr-3890	217	11	invest	invest	VERB
fsr-3890	217	12	?	?	PUNCT
fsr-3890	218	1	a.	a.	NOUN
fsr-3890	218	2	nothing	nothing	PRON
fsr-3890	218	3	b.	b.	PROPN
fsr-3890	218	4	one	one	NUM
fsr-3890	218	5	month	month	NOUN
fsr-3890	218	6	’s	’s	PART
fsr-3890	218	7	salary	salary	NOUN
fsr-3890	218	8	c.	c.	PROPN
fsr-3890	218	9	three	three	NUM
fsr-3890	218	10	month	month	NOUN
fsr-3890	218	11	’s	’s	PART
fsr-3890	218	12	salary	salary	NOUN
fsr-3890	218	13	d.	d.	PROPN
fsr-3890	218	14	six	six	NUM
fsr-3890	218	15	month	month	NOUN
fsr-3890	218	16	’s	’s	PART
fsr-3890	218	17	salary	salary	NOUN
fsr-3890	218	18	scoring	score	VERB
fsr-3890	218	19	1	1	NUM
fsr-3890	218	20	.	.	PUNCT
fsr-3890	219	1	a5	a5	NOUN
fsr-3890	219	2	4	4	NUM
fsr-3890	219	3	;	;	PUNCT
fsr-3890	219	4	b	b	X
fsr-3890	219	5	5	5	NUM
fsr-3890	219	6	3	3	NUM
fsr-3890	219	7	;	;	PUNCT
fsr-3890	219	8	c	c	NOUN
fsr-3890	219	9	5	5	NUM
fsr-3890	219	10	2	2	NUM
fsr-3890	219	11	;	;	PUNCT
fsr-3890	219	12	d	d	NOUN
fsr-3890	219	13	5	5	NUM
fsr-3890	219	14	1	1	NUM
fsr-3890	219	15	11	11	NUM
fsr-3890	219	16	.	.	PUNCT
fsr-3890	220	1	a5	a5	NOUN
fsr-3890	220	2	1	1	NUM
fsr-3890	220	3	;	;	PUNCT
fsr-3890	220	4	b	b	X
fsr-3890	220	5	5	5	NUM
fsr-3890	220	6	2	2	NUM
fsr-3890	220	7	;	;	PUNCT
fsr-3890	220	8	c	c	NOUN
fsr-3890	220	9	5	5	NUM
fsr-3890	220	10	3	3	NUM
fsr-3890	220	11	2	2	NUM
fsr-3890	220	12	.	.	PUNCT
fsr-3890	220	13	a5	a5	NOUN
fsr-3890	220	14	1	1	NUM
fsr-3890	220	15	;	;	PUNCT
fsr-3890	220	16	b	b	X
fsr-3890	220	17	5	5	NUM
fsr-3890	220	18	2	2	NUM
fsr-3890	220	19	;	;	PUNCT
fsr-3890	220	20	c	c	NOUN
fsr-3890	220	21	5	5	NUM
fsr-3890	220	22	3	3	NUM
fsr-3890	220	23	;	;	PUNCT
fsr-3890	220	24	d	d	SYM
fsr-3890	220	25	5	5	NUM
fsr-3890	220	26	4	4	NUM
fsr-3890	220	27	12	12	NUM
fsr-3890	220	28	.	.	PUNCT
fsr-3890	221	1	a5	a5	NOUN
fsr-3890	221	2	1	1	NUM
fsr-3890	221	3	;	;	PUNCT
fsr-3890	221	4	b	b	X
fsr-3890	221	5	5	5	NUM
fsr-3890	221	6	2	2	NUM
fsr-3890	221	7	;	;	PUNCT
fsr-3890	221	8	c	c	NOUN
fsr-3890	221	9	5	5	NUM
fsr-3890	221	10	3	3	NUM
fsr-3890	221	11	;	;	PUNCT
fsr-3890	221	12	d	d	SYM
fsr-3890	221	13	5	5	NUM
fsr-3890	221	14	4	4	NUM
fsr-3890	221	15	3	3	NUM
fsr-3890	221	16	.	.	PUNCT
fsr-3890	221	17	a5	a5	NOUN
fsr-3890	221	18	1	1	NUM
fsr-3890	221	19	;	;	PUNCT
fsr-3890	221	20	b	b	X
fsr-3890	221	21	5	5	NUM
fsr-3890	221	22	2	2	NUM
fsr-3890	221	23	;	;	PUNCT
fsr-3890	221	24	c	c	NOUN
fsr-3890	221	25	5	5	NUM
fsr-3890	221	26	3	3	NUM
fsr-3890	221	27	;	;	PUNCT
fsr-3890	221	28	d	d	SYM
fsr-3890	221	29	5	5	NUM
fsr-3890	221	30	4	4	NUM
fsr-3890	221	31	13	13	NUM
fsr-3890	221	32	.	.	PUNCT
fsr-3890	222	1	a5	a5	NOUN
fsr-3890	222	2	1	1	NUM
fsr-3890	222	3	;	;	PUNCT
fsr-3890	222	4	b	b	X
fsr-3890	222	5	5	5	NUM
fsr-3890	222	6	2	2	NUM
fsr-3890	222	7	;	;	PUNCT
fsr-3890	222	8	c	c	NOUN
fsr-3890	222	9	5	5	NUM
fsr-3890	222	10	3	3	NUM
fsr-3890	222	11	;	;	PUNCT
fsr-3890	222	12	d	d	SYM
fsr-3890	222	13	5	5	NUM
fsr-3890	222	14	4	4	NUM
fsr-3890	222	15	4	4	NUM
fsr-3890	222	16	.	.	PUNCT
fsr-3890	222	17	a5	a5	NOUN
fsr-3890	222	18	1	1	NUM
fsr-3890	222	19	;	;	PUNCT
fsr-3890	222	20	b	b	X
fsr-3890	222	21	5	5	NUM
fsr-3890	222	22	2	2	NUM
fsr-3890	222	23	;	;	PUNCT
fsr-3890	222	24	c	c	NOUN
fsr-3890	222	25	5	5	NUM
fsr-3890	222	26	3	3	NUM
fsr-3890	222	27	14	14	NUM
fsr-3890	222	28	.	.	PUNCT
fsr-3890	223	1	a5	a5	PROPN
fsr-3890	223	2	1	1	NUM
fsr-3890	223	3	;	;	PUNCT
fsr-3890	223	4	b	b	X
fsr-3890	223	5	5	5	NUM
fsr-3890	223	6	2	2	NUM
fsr-3890	223	7	;	;	PUNCT
fsr-3890	223	8	c	c	NOUN
fsr-3890	223	9	5	5	NUM
fsr-3890	223	10	3	3	NUM
fsr-3890	223	11	;	;	PUNCT
fsr-3890	223	12	d	d	SYM
fsr-3890	223	13	5	5	NUM
fsr-3890	223	14	4	4	NUM
fsr-3890	223	15	5	5	NUM
fsr-3890	223	16	.	.	PUNCT
fsr-3890	223	17	a5	a5	NOUN
fsr-3890	223	18	1	1	NUM
fsr-3890	223	19	;	;	PUNCT
fsr-3890	223	20	b	b	X
fsr-3890	223	21	5	5	NUM
fsr-3890	223	22	2	2	NUM
fsr-3890	223	23	;	;	PUNCT
fsr-3890	223	24	c	c	NOUN
fsr-3890	223	25	5	5	NUM
fsr-3890	223	26	3	3	NUM
fsr-3890	223	27	15	15	NUM
fsr-3890	223	28	.	.	PUNCT
fsr-3890	224	1	a5	a5	NOUN
fsr-3890	224	2	1	1	NUM
fsr-3890	224	3	;	;	PUNCT
fsr-3890	224	4	b	b	X
fsr-3890	224	5	5	5	NUM
fsr-3890	224	6	2	2	NUM
fsr-3890	224	7	;	;	PUNCT
fsr-3890	224	8	c	c	NOUN
fsr-3890	224	9	5	5	NUM
fsr-3890	224	10	2	2	NUM
fsr-3890	224	11	;	;	PUNCT
fsr-3890	224	12	d	d	NOUN
fsr-3890	224	13	5	5	NUM
fsr-3890	224	14	3	3	NUM
fsr-3890	224	15	6	6	NUM
fsr-3890	224	16	.	.	PUNCT
fsr-3890	225	1	a5	a5	NOUN
fsr-3890	225	2	1	1	NUM
fsr-3890	225	3	;	;	PUNCT
fsr-3890	225	4	b	b	X
fsr-3890	225	5	5	5	NUM
fsr-3890	225	6	2	2	NUM
fsr-3890	225	7	;	;	PUNCT
fsr-3890	225	8	c	c	NOUN
fsr-3890	225	9	5	5	NUM
fsr-3890	225	10	3	3	NUM
fsr-3890	225	11	16	16	NUM
fsr-3890	225	12	.	.	PUNCT
fsr-3890	226	1	a5	a5	PROPN
fsr-3890	226	2	1	1	NUM
fsr-3890	226	3	;	;	PUNCT
fsr-3890	226	4	b	b	X
fsr-3890	226	5	5	5	NUM
fsr-3890	226	6	3	3	NUM
fsr-3890	226	7	7	7	NUM
fsr-3890	226	8	.	.	PUNCT
fsr-3890	226	9	a5	a5	PROPN
fsr-3890	226	10	2	2	NUM
fsr-3890	226	11	;	;	PUNCT
fsr-3890	226	12	b	b	X
fsr-3890	226	13	5	5	NUM
fsr-3890	226	14	1	1	NUM
fsr-3890	226	15	;	;	PUNCT
fsr-3890	226	16	c	c	NOUN
fsr-3890	226	17	5	5	NUM
fsr-3890	226	18	3	3	NUM
fsr-3890	226	19	;	;	PUNCT
fsr-3890	226	20	d	d	SYM
fsr-3890	226	21	5	5	NUM
fsr-3890	226	22	1	1	NUM
fsr-3890	226	23	17	17	NUM
fsr-3890	226	24	.	.	PUNCT
fsr-3890	227	1	a5	a5	NOUN
fsr-3890	227	2	1	1	NUM
fsr-3890	227	3	;	;	PUNCT
fsr-3890	227	4	b	b	X
fsr-3890	227	5	5	5	NUM
fsr-3890	227	6	3	3	NUM
fsr-3890	227	7	8	8	NUM
fsr-3890	227	8	.	.	PUNCT
fsr-3890	228	1	a5	a5	NOUN
fsr-3890	228	2	1	1	NUM
fsr-3890	228	3	;	;	PUNCT
fsr-3890	228	4	b	b	X
fsr-3890	228	5	5	5	NUM
fsr-3890	228	6	2	2	NUM
fsr-3890	228	7	;	;	PUNCT
fsr-3890	228	8	c	c	NOUN
fsr-3890	228	9	5	5	NUM
fsr-3890	228	10	3	3	NUM
fsr-3890	228	11	;	;	PUNCT
fsr-3890	228	12	d	d	SYM
fsr-3890	228	13	5	5	NUM
fsr-3890	228	14	4	4	NUM
fsr-3890	228	15	18	18	NUM
fsr-3890	228	16	.	.	PUNCT
fsr-3890	229	1	a5	a5	PROPN
fsr-3890	229	2	1	1	NUM
fsr-3890	229	3	;	;	PUNCT
fsr-3890	229	4	b	b	X
fsr-3890	229	5	5	5	NUM
fsr-3890	229	6	2	2	NUM
fsr-3890	229	7	;	;	PUNCT
fsr-3890	229	8	c	c	NOUN
fsr-3890	229	9	5	5	NUM
fsr-3890	229	10	3	3	NUM
fsr-3890	229	11	;	;	PUNCT
fsr-3890	229	12	d	d	SYM
fsr-3890	229	13	5	5	NUM
fsr-3890	229	14	4	4	NUM
fsr-3890	229	15	9	9	NUM
fsr-3890	229	16	.	.	PUNCT
fsr-3890	230	1	a5	a5	NOUN
fsr-3890	230	2	1	1	NUM
fsr-3890	230	3	;	;	PUNCT
fsr-3890	230	4	b	b	X
fsr-3890	230	5	5	5	NUM
fsr-3890	230	6	2	2	NUM
fsr-3890	230	7	;	;	PUNCT
fsr-3890	230	8	c	c	NOUN
fsr-3890	230	9	5	5	NUM
fsr-3890	230	10	3	3	NUM
fsr-3890	230	11	19	19	NUM
fsr-3890	230	12	.	.	PUNCT
fsr-3890	231	1	a5	a5	PROPN
fsr-3890	231	2	1	1	NUM
fsr-3890	231	3	;	;	PUNCT
fsr-3890	231	4	b	b	X
fsr-3890	231	5	5	5	NUM
fsr-3890	231	6	2	2	NUM
fsr-3890	231	7	;	;	PUNCT
fsr-3890	231	8	c	c	NOUN
fsr-3890	231	9	5	5	NUM
fsr-3890	231	10	3	3	NUM
fsr-3890	231	11	10	10	NUM
fsr-3890	231	12	.	.	PUNCT
fsr-3890	232	1	a5	a5	PROPN
fsr-3890	232	2	1	1	NUM
fsr-3890	232	3	;	;	PUNCT
fsr-3890	232	4	b	b	X
fsr-3890	232	5	5	5	NUM
fsr-3890	232	6	3	3	NUM
fsr-3890	232	7	20	20	NUM
fsr-3890	232	8	.	.	PUNCT
fsr-3890	233	1	a5	a5	PROPN
fsr-3890	233	2	1	1	NUM
fsr-3890	233	3	;	;	PUNCT
fsr-3890	233	4	b	b	X
fsr-3890	233	5	5	5	NUM
fsr-3890	233	6	2	2	NUM
fsr-3890	233	7	;	;	PUNCT
fsr-3890	233	8	c	c	NOUN
fsr-3890	233	9	5	5	NUM
fsr-3890	233	10	3	3	NUM
fsr-3890	233	11	;	;	PUNCT
fsr-3890	233	12	d	d	SYM
fsr-3890	233	13	5	5	NUM
fsr-3890	233	14	4	4	NUM
fsr-3890	233	15	172	172	NUM
fsr-3890	233	16	j.	j.	PROPN
fsr-3890	233	17	grable	grable	PROPN
fsr-3890	233	18	,	,	PUNCT
fsr-3890	233	19	r.h	r.h	PROPN
fsr-3890	233	20	.	.	PROPN
fsr-3890	233	21	lytton	lytton	PROPN
fsr-3890	233	22	/	/	SYM
fsr-3890	233	23	financial	financial	ADJ
fsr-3890	233	24	services	service	NOUN
fsr-3890	233	25	review	review	VERB
fsr-3890	233	26	8	8	NUM
fsr-3890	233	27	(	(	PUNCT
fsr-3890	233	28	1999	1999	NUM
fsr-3890	233	29	)	)	PUNCT
fsr-3890	234	1	163–181	163–181	NUM
fsr-3890	234	2	investing	invest	VERB
fsr-3890	234	3	in	in	ADP
fsr-3890	234	4	hard	hard	ADJ
fsr-3890	234	5	assets	asset	NOUN
fsr-3890	234	6	such	such	ADJ
fsr-3890	234	7	as	as	ADP
fsr-3890	234	8	real	real	ADJ
fsr-3890	234	9	estate	estate	NOUN
fsr-3890	234	10	compared	compare	VERB
fsr-3890	234	11	to	to	ADP
fsr-3890	234	12	equity	equity	NOUN
fsr-3890	234	13	investments	investment	NOUN
fsr-3890	234	14	such	such	ADJ
fsr-3890	234	15	as	as	ADP
fsr-3890	234	16	stocks	stock	NOUN
fsr-3890	234	17	.	.	PUNCT
fsr-3890	235	1	it	it	PRON
fsr-3890	235	2	is	be	AUX
fsr-3890	235	3	important	important	ADJ
fsr-3890	235	4	to	to	PART
fsr-3890	235	5	assess	assess	VERB
fsr-3890	235	6	these	these	DET
fsr-3890	235	7	varying	vary	VERB
fsr-3890	235	8	dimensions	dimension	NOUN
fsr-3890	235	9	of	of	ADP
fsr-3890	235	10	financial	financial	ADJ
fsr-3890	235	11	risk	risk	NOUN
fsr-3890	235	12	tolerance	tolerance	NOUN
fsr-3890	235	13	.	.	PUNCT
fsr-3890	236	1	one	one	NUM
fsr-3890	236	2	way	way	NOUN
fsr-3890	236	3	to	to	PART
fsr-3890	236	4	do	do	VERB
fsr-3890	236	5	this	this	PRON
fsr-3890	236	6	is	be	AUX
fsr-3890	236	7	to	to	PART
fsr-3890	236	8	use	use	VERB
fsr-3890	236	9	word	word	NOUN
fsr-3890	236	10	associations	association	NOUN
fsr-3890	236	11	.	.	PUNCT
fsr-3890	237	1	for	for	ADP
fsr-3890	237	2	example	example	NOUN
fsr-3890	237	3	,	,	PUNCT
fsr-3890	237	4	as	as	SCONJ
fsr-3890	237	5	measured	measure	VERB
fsr-3890	237	6	by	by	ADP
fsr-3890	237	7	item	item	NOUN
fsr-3890	237	8	8	8	NUM
fsr-3890	237	9	,	,	PUNCT
fsr-3890	237	10	respondents	respondent	NOUN
fsr-3890	237	11	who	who	PRON
fsr-3890	237	12	perceive	perceive	VERB
fsr-3890	237	13	risk	risk	NOUN
fsr-3890	237	14	as	as	ADP
fsr-3890	237	15	synonymous	synonymous	ADJ
fsr-3890	237	16	with	with	ADP
fsr-3890	237	17	loss	loss	NOUN
fsr-3890	237	18	are	be	AUX
fsr-3890	237	19	generally	generally	ADV
fsr-3890	237	20	more	more	ADJ
fsr-3890	237	21	risk	risk	NOUN
fsr-3890	237	22	averse	averse	ADJ
fsr-3890	237	23	than	than	ADP
fsr-3890	237	24	those	those	PRON
fsr-3890	237	25	who	who	PRON
fsr-3890	237	26	perceive	perceive	VERB
fsr-3890	237	27	risk	risk	NOUN
fsr-3890	237	28	as	as	ADP
fsr-3890	237	29	an	an	DET
fsr-3890	237	30	opportunity	opportunity	NOUN
fsr-3890	237	31	or	or	CCONJ
fsr-3890	237	32	thrill	thrill	NOUN
fsr-3890	237	33	(	(	PUNCT
fsr-3890	237	34	bernstein	bernstein	PROPN
fsr-3890	237	35	,	,	PUNCT
fsr-3890	237	36	1993	1993	NUM
fsr-3890	237	37	;	;	PUNCT
fsr-3890	237	38	mehrabian	mehrabian	ADJ
fsr-3890	237	39	,	,	PUNCT
fsr-3890	237	40	1991	1991	NUM
fsr-3890	237	41	;	;	PUNCT
fsr-3890	237	42	pring	pring	NOUN
fsr-3890	237	43	,	,	PUNCT
fsr-3890	237	44	1993	1993	NUM
fsr-3890	237	45	)	)	PUNCT
fsr-3890	237	46	.	.	PUNCT
fsr-3890	238	1	in	in	ADP
fsr-3890	238	2	general	general	ADJ
fsr-3890	238	3	,	,	PUNCT
fsr-3890	238	4	risk	risk	NOUN
fsr-3890	238	5	tolerant	tolerant	ADJ
fsr-3890	238	6	respondents	respondent	NOUN
fsr-3890	238	7	are	be	AUX
fsr-3890	238	8	likely	likely	ADJ
fsr-3890	238	9	to	to	PART
fsr-3890	238	10	feel	feel	VERB
fsr-3890	238	11	a	a	DET
fsr-3890	238	12	sense	sense	NOUN
fsr-3890	238	13	of	of	ADP
fsr-3890	238	14	confidence	confidence	NOUN
fsr-3890	238	15	and	and	CCONJ
fsr-3890	238	16	satisfaction	satisfaction	NOUN
fsr-3890	238	17	when	when	SCONJ
fsr-3890	238	18	making	make	VERB
fsr-3890	238	19	a	a	DET
fsr-3890	238	20	risky	risky	ADJ
fsr-3890	238	21	choice	choice	NOUN
fsr-3890	238	22	;	;	PUNCT
fsr-3890	238	23	less	less	ADJ
fsr-3890	238	24	risk	risk	NOUN
fsr-3890	238	25	tolerant	tolerant	ADJ
fsr-3890	238	26	respondents	respondent	NOUN
fsr-3890	238	27	will	will	AUX
fsr-3890	238	28	tend	tend	VERB
fsr-3890	238	29	to	to	PART
fsr-3890	238	30	shy	shy	VERB
fsr-3890	238	31	away	away	ADV
fsr-3890	238	32	from	from	ADP
fsr-3890	238	33	taking	take	VERB
fsr-3890	238	34	risks	risk	NOUN
fsr-3890	238	35	.	.	PUNCT
fsr-3890	239	1	items	item	NOUN
fsr-3890	239	2	that	that	PRON
fsr-3890	239	3	measure	measure	VERB
fsr-3890	239	4	speculative	speculative	ADJ
fsr-3890	239	5	risk	risk	NOUN
fsr-3890	239	6	,	,	PUNCT
fsr-3890	239	7	as	as	SCONJ
fsr-3890	239	8	the	the	DET
fsr-3890	239	9	name	name	NOUN
fsr-3890	239	10	implies	imply	VERB
fsr-3890	239	11	,	,	PUNCT
fsr-3890	239	12	assume	assume	VERB
fsr-3890	239	13	that	that	SCONJ
fsr-3890	239	14	respondents	respondent	NOUN
fsr-3890	239	15	who	who	PRON
fsr-3890	239	16	have	have	VERB
fsr-3890	239	17	a	a	DET
fsr-3890	239	18	higher	high	ADJ
fsr-3890	239	19	propensity	propensity	NOUN
fsr-3890	239	20	to	to	PART
fsr-3890	239	21	make	make	VERB
fsr-3890	239	22	a	a	DET
fsr-3890	239	23	speculation	speculation	NOUN
fsr-3890	239	24	are	be	AUX
fsr-3890	239	25	more	more	ADJ
fsr-3890	239	26	risk	risk	NOUN
fsr-3890	239	27	tolerant	tolerant	ADJ
fsr-3890	239	28	in	in	ADP
fsr-3890	239	29	terms	term	NOUN
fsr-3890	239	30	of	of	ADP
fsr-3890	239	31	their	their	PRON
fsr-3890	239	32	finances	finance	NOUN
fsr-3890	239	33	than	than	ADP
fsr-3890	239	34	others	other	NOUN
fsr-3890	239	35	.	.	PUNCT
fsr-3890	240	1	items	item	NOUN
fsr-3890	240	2	two	two	NUM
fsr-3890	240	3	,	,	PUNCT
fsr-3890	240	4	nine	nine	NUM
fsr-3890	240	5	,	,	PUNCT
fsr-3890	240	6	12	12	NUM
fsr-3890	240	7	,	,	PUNCT
fsr-3890	240	8	14	14	NUM
fsr-3890	240	9	,	,	PUNCT
fsr-3890	240	10	and	and	CCONJ
fsr-3890	240	11	20	20	NUM
fsr-3890	240	12	combine	combine	VERB
fsr-3890	240	13	other	other	ADJ
fsr-3890	240	14	aspects	aspect	NOUN
fsr-3890	240	15	of	of	ADP
fsr-3890	240	16	risk	risk	NOUN
fsr-3890	240	17	taking	take	VERB
fsr-3890	240	18	by	by	ADP
fsr-3890	240	19	forcing	force	VERB
fsr-3890	240	20	a	a	DET
fsr-3890	240	21	respondent	respondent	NOUN
fsr-3890	240	22	to	to	ADP
fsr-3890	240	23	either	either	CCONJ
fsr-3890	240	24	take	take	VERB
fsr-3890	240	25	a	a	DET
fsr-3890	240	26	safe	safe	ADJ
fsr-3890	240	27	course	course	NOUN
fsr-3890	240	28	of	of	ADP
fsr-3890	240	29	action	action	NOUN
fsr-3890	240	30	or	or	CCONJ
fsr-3890	240	31	speculate	speculate	VERB
fsr-3890	240	32	on	on	ADP
fsr-3890	240	33	the	the	DET
fsr-3890	240	34	degree	degree	NOUN
fsr-3890	240	35	of	of	ADP
fsr-3890	240	36	return	return	NOUN
fsr-3890	240	37	offered	offer	VERB
fsr-3890	240	38	by	by	ADP
fsr-3890	240	39	a	a	DET
fsr-3890	240	40	situation	situation	NOUN
fsr-3890	240	41	.	.	PUNCT
fsr-3890	241	1	generally	generally	ADV
fsr-3890	241	2	,	,	PUNCT
fsr-3890	241	3	respondents	respondent	NOUN
fsr-3890	241	4	who	who	PRON
fsr-3890	241	5	elect	elect	VERB
fsr-3890	241	6	to	to	PART
fsr-3890	241	7	forgo	forgo	VERB
fsr-3890	241	8	higher	high	ADJ
fsr-3890	241	9	rates	rate	NOUN
fsr-3890	241	10	of	of	ADP
fsr-3890	241	11	return	return	NOUN
fsr-3890	241	12	in	in	ADP
fsr-3890	241	13	pursuit	pursuit	NOUN
fsr-3890	241	14	of	of	ADP
fsr-3890	241	15	stability	stability	NOUN
fsr-3890	241	16	or	or	CCONJ
fsr-3890	241	17	sure	sure	ADJ
fsr-3890	241	18	gains	gain	NOUN
fsr-3890	241	19	are	be	AUX
fsr-3890	241	20	considered	consider	VERB
fsr-3890	241	21	to	to	PART
fsr-3890	241	22	be	be	AUX
fsr-3890	241	23	less	less	ADJ
fsr-3890	241	24	risk	risk	NOUN
fsr-3890	241	25	tolerant	tolerant	ADJ
fsr-3890	241	26	than	than	ADP
fsr-3890	241	27	others	other	NOUN
fsr-3890	241	28	(	(	PUNCT
fsr-3890	241	29	malkiel	malkiel	PROPN
fsr-3890	241	30	,	,	PUNCT
fsr-3890	241	31	1994	1994	NUM
fsr-3890	241	32	;	;	PUNCT
fsr-3890	241	33	mehrabian	mehrabian	NOUN
fsr-3890	241	34	,	,	PUNCT
fsr-3890	241	35	1991	1991	NUM
fsr-3890	241	36	)	)	PUNCT
fsr-3890	241	37	.	.	PUNCT
fsr-3890	242	1	items	item	NOUN
fsr-3890	242	2	16	16	NUM
fsr-3890	242	3	and	and	CCONJ
fsr-3890	242	4	17	17	NUM
fsr-3890	242	5	were	be	AUX
fsr-3890	242	6	adapted	adapt	VERB
fsr-3890	242	7	from	from	ADP
fsr-3890	242	8	prospect	prospect	NOUN
fsr-3890	242	9	theory	theory	NOUN
fsr-3890	242	10	.	.	PUNCT
fsr-3890	243	1	prospect	prospect	NOUN
fsr-3890	243	2	theory	theory	NOUN
fsr-3890	243	3	states	state	VERB
fsr-3890	243	4	that	that	SCONJ
fsr-3890	243	5	investors	investor	NOUN
fsr-3890	243	6	evaluate	evaluate	VERB
fsr-3890	243	7	their	their	PRON
fsr-3890	243	8	choice	choice	NOUN
fsr-3890	243	9	in	in	ADP
fsr-3890	243	10	terms	term	NOUN
fsr-3890	243	11	of	of	ADP
fsr-3890	243	12	potential	potential	ADJ
fsr-3890	243	13	gains	gain	NOUN
fsr-3890	243	14	and	and	CCONJ
fsr-3890	243	15	losses	loss	NOUN
fsr-3890	243	16	relative	relative	ADJ
fsr-3890	243	17	to	to	ADP
fsr-3890	243	18	some	some	DET
fsr-3890	243	19	reference	reference	NOUN
fsr-3890	243	20	point	point	NOUN
fsr-3890	243	21	(	(	PUNCT
fsr-3890	243	22	shefrin	shefrin	NOUN
fsr-3890	243	23	and	and	CCONJ
fsr-3890	243	24	statman	statman	NOUN
fsr-3890	243	25	,	,	PUNCT
fsr-3890	243	26	1993	1993	NUM
fsr-3890	243	27	)	)	PUNCT
fsr-3890	243	28	.	.	PUNCT
fsr-3890	244	1	item	item	NOUN
fsr-3890	244	2	16	16	NUM
fsr-3890	244	3	is	be	AUX
fsr-3890	244	4	described	describe	VERB
fsr-3890	244	5	in	in	ADP
fsr-3890	244	6	terms	term	NOUN
fsr-3890	244	7	of	of	ADP
fsr-3890	244	8	gains	gain	NOUN
fsr-3890	244	9	,	,	PUNCT
fsr-3890	244	10	whereas	whereas	SCONJ
fsr-3890	244	11	item	item	NOUN
fsr-3890	244	12	17	17	NUM
fsr-3890	244	13	is	be	AUX
fsr-3890	244	14	table	table	NOUN
fsr-3890	244	15	2	2	NUM
fsr-3890	244	16	dimensions	dimension	NOUN
fsr-3890	244	17	of	of	ADP
fsr-3890	244	18	risk	risk	NOUN
fsr-3890	244	19	assessed	assess	VERB
fsr-3890	244	20	by	by	ADP
fsr-3890	244	21	each	each	DET
fsr-3890	244	22	item	item	NOUN
fsr-3890	244	23	ite	ite	PROPN
fsr-3890	244	24	m	m	PROPN
fsr-3890	244	25	g	g	PROPN
fsr-3890	244	26	ua	ua	PROPN
fsr-3890	244	27	ra	ra	PROPN
fsr-3890	244	28	nt	not	PART
fsr-3890	244	29	ee	ee	PROPN
fsr-3890	245	1	d	d	PROPN
fsr-3890	245	2	vs	vs	ADP
fsr-3890	245	3	.	.	PUNCT
fsr-3890	246	1	pr	pr	NOUN
fsr-3890	246	2	ob	ob	INTJ
fsr-3890	247	1	ab	ab	PROPN
fsr-3890	247	2	le	le	PROPN
fsr-3890	247	3	ga	ga	PROPN
fsr-3890	247	4	m	m	PROPN
fsr-3890	247	5	bl	bl	NOUN
fsr-3890	247	6	es	es	VERB
fsr-3890	247	7	g	g	PROPN
fsr-3890	247	8	en	en	INTJ
fsr-3890	247	9	er	er	INTJ
fsr-3890	247	10	al	al	PROPN
fsr-3890	247	11	ris	ris	PROPN
fsr-3890	248	1	k	k	PROPN
fsr-3890	248	2	ch	ch	PROPN
fsr-3890	248	3	oi	oi	PROPN
fsr-3890	248	4	ce	ce	PROPN
fsr-3890	248	5	c	c	PROPN
fsr-3890	248	6	ho	ho	PROPN
fsr-3890	248	7	ic	ic	PROPN
fsr-3890	248	8	e	e	PROPN
fsr-3890	248	9	be	be	VERB
fsr-3890	248	10	tw	tw	INTJ
fsr-3890	248	11	ee	ee	ADP
fsr-3890	248	12	n	n	PROPN
fsr-3890	248	13	su	su	PROPN
fsr-3890	248	14	re	re	PROPN
fsr-3890	248	15	lo	lo	PROPN
fsr-3890	248	16	ss	ss	PROPN
fsr-3890	249	1	an	an	DET
fsr-3890	249	2	d	d	X
fsr-3890	249	3	su	su	PROPN
fsr-3890	249	4	re	re	PROPN
fsr-3890	249	5	ga	ga	PROPN
fsr-3890	249	6	in	in	ADP
fsr-3890	249	7	r	r	NOUN
fsr-3890	249	8	is	be	AUX
fsr-3890	249	9	k	k	NOUN
fsr-3890	249	10	as	as	ADP
fsr-3890	249	11	ex	ex	X
fsr-3890	249	12	pe	pe	X
fsr-3890	249	13	rie	rie	X
fsr-3890	249	14	nc	nc	PROPN
fsr-3890	249	15	e	e	PROPN
fsr-3890	249	16	an	an	PROPN
fsr-3890	249	17	d	d	X
fsr-3890	249	18	kn	kn	PROPN
fsr-3890	249	19	ow	ow	INTJ
fsr-3890	249	20	le	le	X
fsr-3890	249	21	dg	dg	X
fsr-3890	249	22	e	e	PROPN
fsr-3890	249	23	r	r	NOUN
fsr-3890	249	24	is	be	AUX
fsr-3890	249	25	k	k	PROPN
fsr-3890	249	26	as	as	ADP
fsr-3890	249	27	a	a	DET
fsr-3890	249	28	le	le	X
fsr-3890	249	29	ve	ve	VERB
fsr-3890	249	30	lo	lo	PROPN
fsr-3890	249	31	f	f	PROPN
fsr-3890	249	32	co	co	VERB
fsr-3890	249	33	m	m	VERB
fsr-3890	249	34	fo	fo	INTJ
fsr-3890	250	1	rt	rt	PROPN
fsr-3890	250	2	s	s	X
fsr-3890	250	3	pe	pe	PROPN
fsr-3890	250	4	cu	cu	PROPN
fsr-3890	250	5	la	la	PROPN
fsr-3890	251	1	tiv	tiv	PROPN
fsr-3890	251	2	e	e	PROPN
fsr-3890	251	3	ris	ris	PROPN
fsr-3890	251	4	k	k	PROPN
fsr-3890	251	5	p	p	X
fsr-3890	251	6	ro	ro	X
fsr-3890	251	7	sp	sp	ADP
fsr-3890	251	8	ec	ec	PROPN
fsr-3890	251	9	t	t	PROPN
fsr-3890	251	10	th	th	X
fsr-3890	251	11	eo	eo	INTJ
fsr-3890	251	12	ry	ry	PROPN
fsr-3890	251	13	in	in	ADP
fsr-3890	251	14	ve	ve	PROPN
fsr-3890	251	15	st	st	PROPN
fsr-3890	251	16	m	m	PROPN
fsr-3890	251	17	en	en	PROPN
fsr-3890	251	18	t	t	PROPN
fsr-3890	251	19	ris	ris	PROPN
fsr-3890	251	20	k	k	PROPN
fsr-3890	251	21	item	item	PROPN
fsr-3890	251	22	1	1	NUM
fsr-3890	251	23	x	x	SYM
fsr-3890	251	24	x	x	PUNCT
fsr-3890	251	25	item	item	NOUN
fsr-3890	251	26	2	2	NUM
fsr-3890	251	27	x	x	SYM
fsr-3890	251	28	x	x	SYM
fsr-3890	251	29	item	item	NOUN
fsr-3890	251	30	3	3	NUM
fsr-3890	251	31	x	x	NOUN
fsr-3890	251	32	item	item	NOUN
fsr-3890	251	33	4	4	NUM
fsr-3890	251	34	x	x	SYM
fsr-3890	251	35	x	x	PUNCT
fsr-3890	251	36	item	item	NOUN
fsr-3890	251	37	5	5	NUM
fsr-3890	251	38	x	x	SYM
fsr-3890	251	39	x	x	SYM
fsr-3890	251	40	item	item	NOUN
fsr-3890	251	41	6	6	NUM
fsr-3890	251	42	x	x	SYM
fsr-3890	251	43	x	x	SYM
fsr-3890	251	44	x	x	SYM
fsr-3890	251	45	item	item	NOUN
fsr-3890	251	46	7	7	NUM
fsr-3890	251	47	x	x	SYM
fsr-3890	251	48	x	x	PUNCT
fsr-3890	251	49	item	item	NOUN
fsr-3890	251	50	8	8	NUM
fsr-3890	251	51	x	x	SYM
fsr-3890	251	52	x	x	PUNCT
fsr-3890	251	53	item	item	NOUN
fsr-3890	251	54	9	9	NUM
fsr-3890	251	55	x	x	SYM
fsr-3890	251	56	x	x	SYM
fsr-3890	251	57	x	x	SYM
fsr-3890	251	58	x	x	SYM
fsr-3890	251	59	item	item	NOUN
fsr-3890	251	60	10	10	NUM
fsr-3890	251	61	x	x	SYM
fsr-3890	251	62	item	item	NOUN
fsr-3890	251	63	11	11	NUM
fsr-3890	251	64	x	x	NOUN
fsr-3890	251	65	x	x	SYM
fsr-3890	251	66	item	item	NOUN
fsr-3890	251	67	12	12	NUM
fsr-3890	251	68	x	x	SYM
fsr-3890	251	69	x	x	SYM
fsr-3890	251	70	x	x	SYM
fsr-3890	251	71	item	item	NOUN
fsr-3890	251	72	13	13	NUM
fsr-3890	251	73	x	x	SYM
fsr-3890	251	74	x	x	SYM
fsr-3890	251	75	x	x	SYM
fsr-3890	251	76	item	item	NOUN
fsr-3890	251	77	14	14	NUM
fsr-3890	251	78	x	x	SYM
fsr-3890	251	79	x	x	SYM
fsr-3890	251	80	x	x	SYM
fsr-3890	251	81	item	item	NOUN
fsr-3890	251	82	15	15	NUM
fsr-3890	251	83	x	x	SYM
fsr-3890	251	84	x	x	SYM
fsr-3890	251	85	x	x	SYM
fsr-3890	251	86	item	item	NOUN
fsr-3890	251	87	16	16	NUM
fsr-3890	251	88	x	x	SYM
fsr-3890	251	89	item	item	NOUN
fsr-3890	251	90	17	17	NUM
fsr-3890	251	91	x	x	SYM
fsr-3890	251	92	item	item	NOUN
fsr-3890	251	93	18	18	NUM
fsr-3890	251	94	x	x	SYM
fsr-3890	251	95	x	x	SYM
fsr-3890	251	96	item	item	NOUN
fsr-3890	251	97	19	19	NUM
fsr-3890	251	98	x	x	SYM
fsr-3890	251	99	x	x	PUNCT
fsr-3890	251	100	item	item	NOUN
fsr-3890	251	101	20	20	NUM
fsr-3890	251	102	x	x	SYM
fsr-3890	251	103	x	x	SYM
fsr-3890	251	104	173j	173j	PROPN
fsr-3890	251	105	.	.	PUNCT
fsr-3890	252	1	grable	grable	PROPN
fsr-3890	252	2	,	,	PUNCT
fsr-3890	252	3	r.h	r.h	PROPN
fsr-3890	252	4	.	.	PROPN
fsr-3890	252	5	lytton	lytton	PROPN
fsr-3890	252	6	/	/	SYM
fsr-3890	252	7	financial	financial	ADJ
fsr-3890	252	8	services	service	NOUN
fsr-3890	252	9	review	review	VERB
fsr-3890	252	10	8	8	NUM
fsr-3890	252	11	(	(	PUNCT
fsr-3890	252	12	1999	1999	NUM
fsr-3890	252	13	)	)	PUNCT
fsr-3890	253	1	163–181	163–181	NUM
fsr-3890	253	2	described	describe	VERB
fsr-3890	253	3	in	in	ADP
fsr-3890	253	4	terms	term	NOUN
fsr-3890	253	5	of	of	ADP
fsr-3890	253	6	losses	loss	NOUN
fsr-3890	253	7	.	.	PUNCT
fsr-3890	254	1	this	this	DET
fsr-3890	254	2	distinction	distinction	NOUN
fsr-3890	254	3	is	be	AUX
fsr-3890	254	4	subtle	subtle	ADJ
fsr-3890	254	5	but	but	CCONJ
fsr-3890	254	6	profound	profound	ADJ
fsr-3890	254	7	.	.	PUNCT
fsr-3890	255	1	in	in	ADP
fsr-3890	255	2	both	both	DET
fsr-3890	255	3	cases	case	NOUN
fsr-3890	255	4	the	the	DET
fsr-3890	255	5	mathematical	mathematical	ADJ
fsr-3890	255	6	payout	payout	NOUN
fsr-3890	255	7	(	(	PUNCT
fsr-3890	255	8	i.e.	i.e.	X
fsr-3890	255	9	,	,	PUNCT
fsr-3890	255	10	cash	cash	NOUN
fsr-3890	255	11	flows	flow	NOUN
fsr-3890	255	12	)	)	PUNCT
fsr-3890	255	13	are	be	AUX
fsr-3890	255	14	identical	identical	ADJ
fsr-3890	255	15	.	.	PUNCT
fsr-3890	256	1	individuals	individual	NOUN
fsr-3890	256	2	who	who	PRON
fsr-3890	256	3	choose	choose	VERB
fsr-3890	256	4	the	the	DET
fsr-3890	256	5	sure	sure	ADJ
fsr-3890	256	6	choice	choice	NOUN
fsr-3890	256	7	act	act	VERB
fsr-3890	256	8	consistent	consistent	ADJ
fsr-3890	256	9	with	with	ADP
fsr-3890	256	10	risk	risk	NOUN
fsr-3890	256	11	aversion	aversion	NOUN
fsr-3890	256	12	theory	theory	NOUN
fsr-3890	256	13	,	,	PUNCT
fsr-3890	256	14	whereas	whereas	SCONJ
fsr-3890	256	15	those	those	PRON
fsr-3890	256	16	who	who	PRON
fsr-3890	256	17	choose	choose	VERB
fsr-3890	256	18	the	the	DET
fsr-3890	256	19	gamble	gamble	NOUN
fsr-3890	256	20	in	in	ADP
fsr-3890	256	21	both	both	DET
fsr-3890	256	22	cases	case	NOUN
fsr-3890	256	23	are	be	AUX
fsr-3890	256	24	most	most	ADV
fsr-3890	256	25	likely	likely	ADJ
fsr-3890	256	26	risk	risk	NOUN
fsr-3890	256	27	takers	taker	NOUN
fsr-3890	256	28	(	(	PUNCT
fsr-3890	256	29	statman	statman	ADJ
fsr-3890	256	30	,	,	PUNCT
fsr-3890	256	31	1995	1995	NUM
fsr-3890	256	32	)	)	PUNCT
fsr-3890	256	33	.	.	PUNCT
fsr-3890	257	1	when	when	SCONJ
fsr-3890	257	2	combined	combine	VERB
fsr-3890	257	3	together	together	ADV
fsr-3890	257	4	by	by	ADP
fsr-3890	257	5	averaging	average	VERB
fsr-3890	257	6	answer	answer	NOUN
fsr-3890	257	7	weights	weight	NOUN
fsr-3890	257	8	into	into	ADP
fsr-3890	257	9	a	a	DET
fsr-3890	257	10	single	single	ADJ
fsr-3890	257	11	score	score	NOUN
fsr-3890	257	12	,	,	PUNCT
fsr-3890	257	13	these	these	DET
fsr-3890	257	14	two	two	NUM
fsr-3890	257	15	items	item	NOUN
fsr-3890	257	16	work	work	VERB
fsr-3890	257	17	well	well	ADV
fsr-3890	257	18	in	in	ADP
fsr-3890	257	19	predicting	predict	VERB
fsr-3890	257	20	financial	financial	ADJ
fsr-3890	257	21	risk	risk	NOUN
fsr-3890	257	22	tolerance	tolerance	NOUN
fsr-3890	257	23	.	.	PUNCT
fsr-3890	258	1	most	most	ADJ
fsr-3890	258	2	individuals	individual	NOUN
fsr-3890	258	3	,	,	PUNCT
fsr-3890	258	4	assuming	assume	VERB
fsr-3890	258	5	they	they	PRON
fsr-3890	258	6	have	have	VERB
fsr-3890	258	7	no	no	DET
fsr-3890	258	8	prior	prior	ADJ
fsr-3890	258	9	knowledge	knowledge	NOUN
fsr-3890	258	10	of	of	ADP
fsr-3890	258	11	the	the	DET
fsr-3890	258	12	items	item	NOUN
fsr-3890	258	13	,	,	PUNCT
fsr-3890	258	14	choose	choose	VERB
fsr-3890	258	15	the	the	DET
fsr-3890	258	16	sure	sure	ADJ
fsr-3890	258	17	gain	gain	NOUN
fsr-3890	258	18	in	in	ADP
fsr-3890	258	19	item	item	NOUN
fsr-3890	258	20	16	16	NUM
fsr-3890	258	21	and	and	CCONJ
fsr-3890	258	22	the	the	DET
fsr-3890	258	23	chance	chance	NOUN
fsr-3890	258	24	in	in	ADP
fsr-3890	258	25	item	item	NOUN
fsr-3890	258	26	17	17	NUM
fsr-3890	258	27	.	.	PUNCT
fsr-3890	259	1	this	this	PRON
fsr-3890	259	2	would	would	AUX
fsr-3890	259	3	indicate	indicate	VERB
fsr-3890	259	4	a	a	DET
fsr-3890	259	5	person	person	NOUN
fsr-3890	259	6	with	with	ADP
fsr-3890	259	7	moderate	moderate	ADJ
fsr-3890	259	8	risk	risk	NOUN
fsr-3890	259	9	tolerance	tolerance	NOUN
fsr-3890	259	10	.	.	PUNCT
fsr-3890	260	1	again	again	ADV
fsr-3890	260	2	,	,	PUNCT
fsr-3890	260	3	a	a	DET
fsr-3890	260	4	person	person	NOUN
fsr-3890	260	5	who	who	PRON
fsr-3890	260	6	chooses	choose	VERB
fsr-3890	260	7	both	both	CCONJ
fsr-3890	260	8	the	the	DET
fsr-3890	260	9	sure	sure	ADJ
fsr-3890	260	10	gain	gain	NOUN
fsr-3890	260	11	in	in	ADP
fsr-3890	260	12	item	item	NOUN
fsr-3890	260	13	16	16	NUM
fsr-3890	260	14	and	and	CCONJ
fsr-3890	260	15	sure	sure	ADJ
fsr-3890	260	16	loss	loss	NOUN
fsr-3890	260	17	in	in	ADP
fsr-3890	260	18	item	item	NOUN
fsr-3890	260	19	17	17	NUM
fsr-3890	260	20	will	will	AUX
fsr-3890	260	21	generally	generally	ADV
fsr-3890	260	22	exhibit	exhibit	VERB
fsr-3890	260	23	risk	risk	NOUN
fsr-3890	260	24	-	-	PUNCT
fsr-3890	260	25	aversion	aversion	NOUN
fsr-3890	260	26	characteristics	characteristic	NOUN
fsr-3890	260	27	,	,	PUNCT
fsr-3890	260	28	whereas	whereas	SCONJ
fsr-3890	260	29	someone	someone	PRON
fsr-3890	260	30	who	who	PRON
fsr-3890	260	31	takes	take	VERB
fsr-3890	260	32	a	a	DET
fsr-3890	260	33	chance	chance	NOUN
fsr-3890	260	34	in	in	ADP
fsr-3890	260	35	both	both	DET
fsr-3890	260	36	situations	situation	NOUN
fsr-3890	260	37	will	will	AUX
fsr-3890	260	38	exhibit	exhibit	VERB
fsr-3890	260	39	risk	risk	NOUN
fsr-3890	260	40	-	-	PUNCT
fsr-3890	260	41	taking	take	VERB
fsr-3890	260	42	characteristics	characteristic	NOUN
fsr-3890	260	43	.	.	PUNCT
fsr-3890	261	1	a	a	DET
fsr-3890	261	2	respondent	respondent	NOUN
fsr-3890	261	3	’s	’s	PART
fsr-3890	261	4	propensity	propensity	NOUN
fsr-3890	261	5	to	to	PART
fsr-3890	261	6	take	take	VERB
fsr-3890	261	7	direct	direct	ADJ
fsr-3890	261	8	investment	investment	NOUN
fsr-3890	261	9	risks	risk	NOUN
fsr-3890	261	10	is	be	AUX
fsr-3890	261	11	assessed	assess	VERB
fsr-3890	261	12	through	through	ADP
fsr-3890	261	13	items	item	NOUN
fsr-3890	261	14	five	five	NUM
fsr-3890	261	15	,	,	PUNCT
fsr-3890	261	16	six	six	NUM
fsr-3890	261	17	,	,	PUNCT
fsr-3890	261	18	nine	nine	NUM
fsr-3890	261	19	,	,	PUNCT
fsr-3890	261	20	12	12	NUM
fsr-3890	261	21	,	,	PUNCT
fsr-3890	261	22	18	18	NUM
fsr-3890	261	23	,	,	PUNCT
fsr-3890	261	24	and	and	CCONJ
fsr-3890	261	25	19	19	NUM
fsr-3890	261	26	.	.	PUNCT
fsr-3890	262	1	these	these	DET
fsr-3890	262	2	items	item	NOUN
fsr-3890	262	3	combine	combine	VERB
fsr-3890	262	4	the	the	DET
fsr-3890	262	5	attributes	attribute	NOUN
fsr-3890	262	6	of	of	ADP
fsr-3890	262	7	knowledge	knowledge	NOUN
fsr-3890	262	8	and	and	CCONJ
fsr-3890	262	9	temperament	temperament	NOUN
fsr-3890	262	10	in	in	ADP
fsr-3890	262	11	the	the	DET
fsr-3890	262	12	assessment	assessment	NOUN
fsr-3890	262	13	of	of	ADP
fsr-3890	262	14	risk	risk	NOUN
fsr-3890	262	15	tolerance	tolerance	NOUN
fsr-3890	262	16	.	.	PUNCT
fsr-3890	263	1	knowledge	knowledge	NOUN
fsr-3890	263	2	and	and	CCONJ
fsr-3890	263	3	temperament	temperament	NOUN
fsr-3890	263	4	tend	tend	VERB
fsr-3890	263	5	to	to	PART
fsr-3890	263	6	determine	determine	VERB
fsr-3890	263	7	a	a	DET
fsr-3890	263	8	respondent	respondent	NOUN
fsr-3890	263	9	’s	’s	PART
fsr-3890	263	10	ability	ability	NOUN
fsr-3890	263	11	to	to	PART
fsr-3890	263	12	deal	deal	VERB
fsr-3890	263	13	successfully	successfully	ADV
fsr-3890	263	14	with	with	ADP
fsr-3890	263	15	emotional	emotional	ADJ
fsr-3890	263	16	investments	investment	NOUN
fsr-3890	263	17	(	(	PUNCT
fsr-3890	263	18	mehrabian	mehrabian	ADJ
fsr-3890	263	19	,	,	PUNCT
fsr-3890	263	20	1991	1991	NUM
fsr-3890	263	21	)	)	PUNCT
fsr-3890	263	22	.	.	PUNCT
fsr-3890	264	1	as	as	ADP
fsr-3890	264	2	such	such	ADJ
fsr-3890	264	3	,	,	PUNCT
fsr-3890	264	4	a	a	DET
fsr-3890	264	5	person	person	NOUN
fsr-3890	264	6	who	who	PRON
fsr-3890	264	7	is	be	AUX
fsr-3890	264	8	willing	willing	ADJ
fsr-3890	264	9	to	to	PART
fsr-3890	264	10	invest	invest	VERB
fsr-3890	264	11	money	money	NOUN
fsr-3890	264	12	,	,	PUNCT
fsr-3890	264	13	either	either	CCONJ
fsr-3890	264	14	earned	earn	VERB
fsr-3890	264	15	or	or	CCONJ
fsr-3890	264	16	gifted	gifted	ADJ
fsr-3890	264	17	,	,	PUNCT
fsr-3890	264	18	into	into	ADP
fsr-3890	264	19	equities	equity	NOUN
fsr-3890	264	20	,	,	PUNCT
fsr-3890	264	21	real	real	ADJ
fsr-3890	264	22	estate	estate	NOUN
fsr-3890	264	23	,	,	PUNCT
fsr-3890	264	24	or	or	CCONJ
fsr-3890	264	25	hard	hard	ADJ
fsr-3890	264	26	assets	asset	NOUN
fsr-3890	264	27	,	,	PUNCT
fsr-3890	264	28	instead	instead	ADV
fsr-3890	264	29	of	of	ADP
fsr-3890	264	30	choosing	choose	VERB
fsr-3890	264	31	to	to	PART
fsr-3890	264	32	hold	hold	VERB
fsr-3890	264	33	less	less	ADV
fsr-3890	264	34	volatile	volatile	ADJ
fsr-3890	264	35	investments	investment	NOUN
fsr-3890	264	36	,	,	PUNCT
fsr-3890	264	37	is	be	AUX
fsr-3890	264	38	considered	consider	VERB
fsr-3890	264	39	to	to	PART
fsr-3890	264	40	be	be	AUX
fsr-3890	264	41	more	more	ADJ
fsr-3890	264	42	risk	risk	NOUN
fsr-3890	264	43	tolerant	tolerant	ADJ
fsr-3890	264	44	than	than	ADP
fsr-3890	264	45	others	other	NOUN
fsr-3890	264	46	(	(	PUNCT
fsr-3890	264	47	bernstein	bernstein	PROPN
fsr-3890	264	48	,	,	PUNCT
fsr-3890	264	49	1993	1993	NUM
fsr-3890	264	50	)	)	PUNCT
fsr-3890	264	51	.	.	PUNCT
fsr-3890	265	1	in	in	ADP
fsr-3890	265	2	summary	summary	NOUN
fsr-3890	265	3	,	,	PUNCT
fsr-3890	265	4	the	the	DET
fsr-3890	265	5	20	20	NUM
fsr-3890	265	6	individual	individual	ADJ
fsr-3890	265	7	items	item	NOUN
fsr-3890	265	8	were	be	AUX
fsr-3890	265	9	originally	originally	ADV
fsr-3890	265	10	determined	determined	ADJ
fsr-3890	265	11	to	to	PART
fsr-3890	265	12	measure	measure	VERB
fsr-3890	265	13	either	either	PRON
fsr-3890	265	14	one	one	NUM
fsr-3890	265	15	or	or	CCONJ
fsr-3890	265	16	several	several	ADJ
fsr-3890	265	17	dimension	dimension	NOUN
fsr-3890	265	18	of	of	ADP
fsr-3890	265	19	financial	financial	ADJ
fsr-3890	265	20	risk	risk	NOUN
fsr-3890	265	21	tolerance	tolerance	NOUN
fsr-3890	265	22	.	.	PUNCT
fsr-3890	266	1	at	at	ADP
fsr-3890	266	2	a	a	DET
fsr-3890	266	3	minimum	minimum	NOUN
fsr-3890	266	4	,	,	PUNCT
fsr-3890	266	5	the	the	DET
fsr-3890	266	6	20	20	NUM
fsr-3890	266	7	items	item	NOUN
fsr-3890	266	8	measured	measure	VERB
fsr-3890	266	9	at	at	ADP
fsr-3890	266	10	least	least	ADV
fsr-3890	266	11	eight	eight	NUM
fsr-3890	266	12	dimensions	dimension	NOUN
fsr-3890	266	13	of	of	ADP
fsr-3890	266	14	risk	risk	NOUN
fsr-3890	266	15	,	,	PUNCT
fsr-3890	266	16	including	include	VERB
fsr-3890	266	17	:	:	PUNCT
fsr-3890	266	18	1	1	X
fsr-3890	266	19	)	)	PUNCT
fsr-3890	266	20	guaranteed	guarantee	VERB
fsr-3890	266	21	versus	versus	ADP
fsr-3890	266	22	probable	probable	ADJ
fsr-3890	266	23	gambles	gamble	NOUN
fsr-3890	266	24	,	,	PUNCT
fsr-3890	266	25	2	2	NUM
fsr-3890	266	26	)	)	PUNCT
fsr-3890	266	27	general	general	ADJ
fsr-3890	266	28	risk	risk	NOUN
fsr-3890	266	29	choice	choice	NOUN
fsr-3890	266	30	,	,	PUNCT
fsr-3890	266	31	3	3	X
fsr-3890	266	32	)	)	PUNCT
fsr-3890	266	33	choice	choice	NOUN
fsr-3890	266	34	between	between	ADP
fsr-3890	266	35	sure	sure	ADJ
fsr-3890	266	36	loss	loss	NOUN
fsr-3890	266	37	and	and	CCONJ
fsr-3890	266	38	sure	sure	ADJ
fsr-3890	266	39	gain	gain	NOUN
fsr-3890	266	40	,	,	PUNCT
fsr-3890	266	41	4	4	X
fsr-3890	266	42	)	)	PUNCT
fsr-3890	266	43	risk	risk	NOUN
fsr-3890	266	44	as	as	ADP
fsr-3890	266	45	related	relate	VERB
fsr-3890	266	46	to	to	ADP
fsr-3890	266	47	experience	experience	NOUN
fsr-3890	266	48	and	and	CCONJ
fsr-3890	266	49	knowledge	knowledge	NOUN
fsr-3890	266	50	,	,	PUNCT
fsr-3890	266	51	5	5	NUM
fsr-3890	266	52	)	)	PUNCT
fsr-3890	266	53	risk	risk	NOUN
fsr-3890	266	54	as	as	ADP
fsr-3890	266	55	a	a	DET
fsr-3890	266	56	level	level	NOUN
fsr-3890	266	57	of	of	ADP
fsr-3890	266	58	comfort	comfort	NOUN
fsr-3890	266	59	,	,	PUNCT
fsr-3890	266	60	6	6	NUM
fsr-3890	266	61	)	)	PUNCT
fsr-3890	266	62	speculative	speculative	ADJ
fsr-3890	266	63	risk	risk	NOUN
fsr-3890	266	64	,	,	PUNCT
fsr-3890	266	65	7	7	X
fsr-3890	266	66	)	)	PUNCT
fsr-3890	266	67	prospect	prospect	NOUN
fsr-3890	266	68	theory	theory	NOUN
fsr-3890	266	69	,	,	PUNCT
fsr-3890	266	70	and	and	CCONJ
fsr-3890	266	71	8)	8)	NUM
fsr-3890	266	72	investment	investment	NOUN
fsr-3890	266	73	risk	risk	NOUN
fsr-3890	266	74	.	.	PUNCT
fsr-3890	267	1	although	although	SCONJ
fsr-3890	267	2	individually	individually	ADV
fsr-3890	267	3	no	no	DET
fsr-3890	267	4	one	one	NUM
fsr-3890	267	5	item	item	NOUN
fsr-3890	267	6	was	be	AUX
fsr-3890	267	7	sufficient	sufficient	ADJ
fsr-3890	267	8	to	to	PART
fsr-3890	267	9	accurately	accurately	ADV
fsr-3890	267	10	assess	assess	VERB
fsr-3890	267	11	financial	financial	ADJ
fsr-3890	267	12	risk	risk	NOUN
fsr-3890	267	13	tolerance	tolerance	NOUN
fsr-3890	267	14	,	,	PUNCT
fsr-3890	267	15	it	it	PRON
fsr-3890	267	16	was	be	AUX
fsr-3890	267	17	concluded	conclude	VERB
fsr-3890	267	18	that	that	SCONJ
fsr-3890	267	19	when	when	SCONJ
fsr-3890	267	20	combined	combine	VERB
fsr-3890	267	21	together	together	ADV
fsr-3890	267	22	these	these	DET
fsr-3890	267	23	items	item	NOUN
fsr-3890	267	24	could	could	AUX
fsr-3890	267	25	provide	provide	VERB
fsr-3890	267	26	a	a	DET
fsr-3890	267	27	useful	useful	ADJ
fsr-3890	267	28	and	and	CCONJ
fsr-3890	267	29	accurate	accurate	ADJ
fsr-3890	267	30	measure	measure	NOUN
fsr-3890	267	31	of	of	ADP
fsr-3890	267	32	a	a	DET
fsr-3890	267	33	person	person	NOUN
fsr-3890	267	34	’s	’s	PART
fsr-3890	267	35	financial	financial	ADJ
fsr-3890	267	36	risk	risk	NOUN
fsr-3890	267	37	tolerance	tolerance	NOUN
fsr-3890	267	38	.	.	PUNCT
fsr-3890	268	1	3.2	3.2	NUM
fsr-3890	268	2	.	.	PUNCT
fsr-3890	268	3	initial	initial	ADJ
fsr-3890	268	4	use	use	NOUN
fsr-3890	268	5	of	of	ADP
fsr-3890	268	6	the	the	DET
fsr-3890	268	7	instrument	instrument	NOUN
fsr-3890	268	8	with	with	ADP
fsr-3890	268	9	a	a	DET
fsr-3890	268	10	research	research	NOUN
fsr-3890	268	11	sample	sample	NOUN
fsr-3890	268	12	the	the	DET
fsr-3890	268	13	next	next	ADJ
fsr-3890	268	14	phase	phase	NOUN
fsr-3890	268	15	of	of	ADP
fsr-3890	268	16	this	this	DET
fsr-3890	268	17	study	study	NOUN
fsr-3890	268	18	involved	involve	VERB
fsr-3890	268	19	administering	administer	VERB
fsr-3890	268	20	the	the	DET
fsr-3890	268	21	20	20	NUM
fsr-3890	268	22	-	-	PUNCT
fsr-3890	268	23	item	item	NOUN
fsr-3890	268	24	instrument	instrument	NOUN
fsr-3890	268	25	to	to	ADP
fsr-3890	268	26	a	a	DET
fsr-3890	268	27	larger	large	ADJ
fsr-3890	268	28	group	group	NOUN
fsr-3890	268	29	of	of	ADP
fsr-3890	268	30	respondents	respondent	NOUN
fsr-3890	268	31	.	.	PUNCT
fsr-3890	269	1	a	a	DET
fsr-3890	269	2	convenience	convenience	NOUN
fsr-3890	269	3	sample	sample	NOUN
fsr-3890	269	4	of	of	ADP
fsr-3890	269	5	faculty	faculty	NOUN
fsr-3890	269	6	and	and	CCONJ
fsr-3890	269	7	staff	staff	NOUN
fsr-3890	269	8	from	from	ADP
fsr-3890	269	9	a	a	DET
fsr-3890	269	10	southern	southern	ADJ
fsr-3890	269	11	state	state	NOUN
fsr-3890	269	12	university	university	PROPN
fsr-3890	269	13	(	(	PUNCT
fsr-3890	269	14	n	n	PROPN
fsr-3890	269	15	5	5	NUM
fsr-3890	269	16	1,075	1,075	NUM
fsr-3890	269	17	)	)	PUNCT
fsr-3890	269	18	was	be	AUX
fsr-3890	269	19	chosen	choose	VERB
fsr-3890	269	20	.	.	PUNCT
fsr-3890	270	1	a	a	DET
fsr-3890	270	2	modified	modify	VERB
fsr-3890	270	3	dillman	dillman	NOUN
fsr-3890	270	4	(	(	PUNCT
fsr-3890	270	5	1978	1978	NUM
fsr-3890	270	6	)	)	PUNCT
fsr-3890	270	7	method	method	NOUN
fsr-3890	270	8	was	be	AUX
fsr-3890	270	9	used	use	VERB
fsr-3890	270	10	to	to	PART
fsr-3890	270	11	direct	direct	VERB
fsr-3890	270	12	the	the	DET
fsr-3890	270	13	management	management	NOUN
fsr-3890	270	14	of	of	ADP
fsr-3890	270	15	the	the	DET
fsr-3890	270	16	survey	survey	NOUN
fsr-3890	270	17	.	.	PUNCT
fsr-3890	271	1	specifically	specifically	ADV
fsr-3890	271	2	,	,	PUNCT
fsr-3890	271	3	one	one	NUM
fsr-3890	271	4	-	-	PUNCT
fsr-3890	271	5	half	half	NOUN
fsr-3890	271	6	of	of	ADP
fsr-3890	271	7	all	all	DET
fsr-3890	271	8	employees	employee	NOUN
fsr-3890	271	9	(	(	PUNCT
fsr-3890	271	10	approximately	approximately	ADV
fsr-3890	271	11	2,000	2,000	NUM
fsr-3890	271	12	)	)	PUNCT
fsr-3890	271	13	received	receive	VERB
fsr-3890	271	14	an	an	DET
fsr-3890	271	15	instrument	instrument	NOUN
fsr-3890	271	16	.	.	PUNCT
fsr-3890	272	1	a	a	DET
fsr-3890	272	2	reminder	reminder	NOUN
fsr-3890	272	3	card	card	NOUN
fsr-3890	272	4	was	be	AUX
fsr-3890	272	5	mailed	mail	VERB
fsr-3890	272	6	two	two	NUM
fsr-3890	272	7	weeks	week	NOUN
fsr-3890	272	8	after	after	SCONJ
fsr-3890	272	9	the	the	DET
fsr-3890	272	10	first	first	ADJ
fsr-3890	272	11	instrument	instrument	NOUN
fsr-3890	272	12	was	be	AUX
fsr-3890	272	13	sent	send	VERB
fsr-3890	272	14	.	.	PUNCT
fsr-3890	273	1	a	a	DET
fsr-3890	273	2	duplicate	duplicate	ADJ
fsr-3890	273	3	instrument	instrument	NOUN
fsr-3890	273	4	was	be	AUX
fsr-3890	273	5	then	then	ADV
fsr-3890	273	6	mailed	mail	VERB
fsr-3890	273	7	one	one	NUM
fsr-3890	273	8	week	week	NOUN
fsr-3890	273	9	later	later	ADV
fsr-3890	273	10	.	.	PUNCT
fsr-3890	274	1	after	after	ADP
fsr-3890	274	2	adjusting	adjust	VERB
fsr-3890	274	3	for	for	ADP
fsr-3890	274	4	missing	miss	VERB
fsr-3890	274	5	data	datum	NOUN
fsr-3890	274	6	and	and	CCONJ
fsr-3890	274	7	unusable	unusable	ADJ
fsr-3890	274	8	responses	response	NOUN
fsr-3890	274	9	it	it	PRON
fsr-3890	274	10	was	be	AUX
fsr-3890	274	11	determined	determine	VERB
fsr-3890	274	12	that	that	SCONJ
fsr-3890	274	13	the	the	DET
fsr-3890	274	14	survey	survey	NOUN
fsr-3890	274	15	had	have	VERB
fsr-3890	274	16	a	a	DET
fsr-3890	274	17	useable	useable	ADJ
fsr-3890	274	18	response	response	NOUN
fsr-3890	274	19	rate	rate	NOUN
fsr-3890	274	20	of	of	ADP
fsr-3890	274	21	54	54	NUM
fsr-3890	274	22	%	%	NOUN
fsr-3890	274	23	.	.	PUNCT
fsr-3890	275	1	approximately	approximately	ADV
fsr-3890	275	2	55	55	NUM
fsr-3890	275	3	%	%	NOUN
fsr-3890	275	4	of	of	ADP
fsr-3890	275	5	respondents	respondent	NOUN
fsr-3890	275	6	were	be	AUX
fsr-3890	275	7	female	female	ADJ
fsr-3890	275	8	.	.	PUNCT
fsr-3890	276	1	seventy	seventy	NUM
fsr-3890	276	2	-	-	PUNCT
fsr-3890	276	3	two	two	NUM
fsr-3890	276	4	percentage	percentage	NOUN
fsr-3890	276	5	were	be	AUX
fsr-3890	276	6	married	marry	VERB
fsr-3890	276	7	.	.	PUNCT
fsr-3890	277	1	respondent	respondent	NOUN
fsr-3890	277	2	ages	age	NOUN
fsr-3890	277	3	ranged	range	VERB
fsr-3890	277	4	from	from	ADP
fsr-3890	277	5	a	a	DET
fsr-3890	277	6	low	low	NOUN
fsr-3890	277	7	of	of	ADP
fsr-3890	277	8	20	20	NUM
fsr-3890	277	9	to	to	ADP
fsr-3890	277	10	a	a	DET
fsr-3890	277	11	high	high	NOUN
fsr-3890	277	12	of	of	ADP
fsr-3890	277	13	75	75	NUM
fsr-3890	277	14	years	year	NOUN
fsr-3890	277	15	,	,	PUNCT
fsr-3890	277	16	with	with	ADP
fsr-3890	277	17	an	an	DET
fsr-3890	277	18	average	average	NOUN
fsr-3890	277	19	of	of	ADP
fsr-3890	277	20	43	43	NUM
fsr-3890	277	21	years	year	NOUN
fsr-3890	277	22	.	.	PUNCT
fsr-3890	278	1	incomes	income	NOUN
fsr-3890	278	2	ranged	range	VERB
fsr-3890	278	3	from	from	ADP
fsr-3890	278	4	less	less	ADJ
fsr-3890	278	5	than	than	ADP
fsr-3890	278	6	$	$	SYM
fsr-3890	278	7	20,000	20,000	NUM
fsr-3890	278	8	to	to	PART
fsr-3890	278	9	over	over	ADP
fsr-3890	278	10	$	$	SYM
fsr-3890	278	11	90,000	90,000	NUM
fsr-3890	278	12	.	.	PUNCT
fsr-3890	279	1	respondents	respondent	NOUN
fsr-3890	279	2	who	who	PRON
fsr-3890	279	3	were	be	AUX
fsr-3890	279	4	employed	employ	VERB
fsr-3890	279	5	in	in	ADP
fsr-3890	279	6	staff	staff	NOUN
fsr-3890	279	7	positions	position	NOUN
fsr-3890	279	8	outnumbered	outnumber	VERB
fsr-3890	279	9	members	member	NOUN
fsr-3890	279	10	of	of	ADP
fsr-3890	279	11	the	the	DET
fsr-3890	279	12	faculty	faculty	NOUN
fsr-3890	279	13	(	(	PUNCT
fsr-3890	279	14	61	61	NUM
fsr-3890	279	15	%	%	NOUN
fsr-3890	279	16	and	and	CCONJ
fsr-3890	279	17	39	39	NUM
fsr-3890	279	18	%	%	NOUN
fsr-3890	279	19	,	,	PUNCT
fsr-3890	279	20	respectively	respectively	ADV
fsr-3890	279	21	)	)	PUNCT
fsr-3890	279	22	.	.	PUNCT
fsr-3890	280	1	the	the	DET
fsr-3890	280	2	majority	majority	NOUN
fsr-3890	280	3	of	of	ADP
fsr-3890	280	4	respondents	respondent	NOUN
fsr-3890	280	5	(	(	PUNCT
fsr-3890	280	6	63	63	NUM
fsr-3890	280	7	%	%	NOUN
fsr-3890	280	8	)	)	PUNCT
fsr-3890	280	9	possessed	possess	VERB
fsr-3890	280	10	a	a	DET
fsr-3890	280	11	four	four	NUM
fsr-3890	280	12	year	year	NOUN
fsr-3890	280	13	college	college	NOUN
fsr-3890	280	14	degree	degree	NOUN
fsr-3890	280	15	or	or	CCONJ
fsr-3890	280	16	higher	high	ADJ
fsr-3890	280	17	,	,	PUNCT
fsr-3890	280	18	whereas	whereas	SCONJ
fsr-3890	280	19	the	the	DET
fsr-3890	280	20	remainder	remainder	NOUN
fsr-3890	280	21	(	(	PUNCT
fsr-3890	280	22	37	37	NUM
fsr-3890	280	23	%	%	NOUN
fsr-3890	280	24	)	)	PUNCT
fsr-3890	280	25	had	have	VERB
fsr-3890	280	26	an	an	DET
fsr-3890	280	27	associate	associate	ADJ
fsr-3890	280	28	degree	degree	NOUN
fsr-3890	280	29	,	,	PUNCT
fsr-3890	280	30	high	high	ADJ
fsr-3890	280	31	school	school	NOUN
fsr-3890	280	32	diploma	diploma	NOUN
fsr-3890	280	33	,	,	PUNCT
fsr-3890	280	34	or	or	CCONJ
fsr-3890	280	35	less	less	ADJ
fsr-3890	280	36	than	than	ADP
fsr-3890	280	37	a	a	DET
fsr-3890	280	38	high	high	ADJ
fsr-3890	280	39	school	school	NOUN
fsr-3890	280	40	education	education	NOUN
fsr-3890	280	41	.	.	PUNCT
fsr-3890	281	1	seventy	seventy	NUM
fsr-3890	281	2	-	-	PUNCT
fsr-3890	281	3	seven	seven	NUM
fsr-3890	281	4	percentage	percentage	NOUN
fsr-3890	281	5	of	of	ADP
fsr-3890	281	6	the	the	DET
fsr-3890	281	7	sample	sample	NOUN
fsr-3890	281	8	indicated	indicate	VERB
fsr-3890	281	9	that	that	SCONJ
fsr-3890	281	10	they	they	PRON
fsr-3890	281	11	had	have	VERB
fsr-3890	281	12	a	a	DET
fsr-3890	281	13	somewhat	somewhat	ADV
fsr-3890	281	14	vague	vague	ADJ
fsr-3890	281	15	or	or	CCONJ
fsr-3890	281	16	moderate	moderate	ADJ
fsr-3890	281	17	knowledge	knowledge	NOUN
fsr-3890	281	18	of	of	ADP
fsr-3890	281	19	investments	investment	NOUN
fsr-3890	281	20	and	and	CCONJ
fsr-3890	281	21	personal	personal	ADJ
fsr-3890	281	22	finance	finance	NOUN
fsr-3890	281	23	issues	issue	NOUN
fsr-3890	281	24	.	.	PUNCT
fsr-3890	282	1	likewise	likewise	ADV
fsr-3890	282	2	,	,	PUNCT
fsr-3890	282	3	77	77	NUM
fsr-3890	282	4	%	%	NOUN
fsr-3890	282	5	of	of	ADP
fsr-3890	282	6	the	the	DET
fsr-3890	282	7	sample	sample	NOUN
fsr-3890	282	8	indicated	indicate	VERB
fsr-3890	282	9	that	that	SCONJ
fsr-3890	282	10	they	they	PRON
fsr-3890	282	11	expected	expect	VERB
fsr-3890	282	12	future	future	ADJ
fsr-3890	282	13	economic	economic	ADJ
fsr-3890	282	14	conditions	condition	NOUN
fsr-3890	282	15	over	over	ADP
fsr-3890	282	16	the	the	DET
fsr-3890	282	17	next	next	ADJ
fsr-3890	282	18	five	five	NUM
fsr-3890	282	19	years	year	NOUN
fsr-3890	282	20	to	to	ADP
fsr-3890	282	21	174	174	NUM
fsr-3890	282	22	j.	j.	PROPN
fsr-3890	282	23	grable	grable	PROPN
fsr-3890	282	24	,	,	PUNCT
fsr-3890	282	25	r.h	r.h	PROPN
fsr-3890	282	26	.	.	PROPN
fsr-3890	282	27	lytton	lytton	PROPN
fsr-3890	282	28	/	/	SYM
fsr-3890	282	29	financial	financial	ADJ
fsr-3890	282	30	services	service	NOUN
fsr-3890	282	31	review	review	VERB
fsr-3890	282	32	8	8	NUM
fsr-3890	282	33	(	(	PUNCT
fsr-3890	282	34	1999	1999	NUM
fsr-3890	282	35	)	)	PUNCT
fsr-3890	282	36	163–181	163–181	NUM
fsr-3890	282	37	be	be	AUX
fsr-3890	282	38	about	about	ADP
fsr-3890	282	39	the	the	DET
fsr-3890	282	40	same	same	ADJ
fsr-3890	282	41	or	or	CCONJ
fsr-3890	282	42	worse	bad	ADJ
fsr-3890	282	43	.	.	PUNCT
fsr-3890	283	1	in	in	ADP
fsr-3890	283	2	general	general	ADJ
fsr-3890	283	3	,	,	PUNCT
fsr-3890	283	4	this	this	DET
fsr-3890	283	5	convenience	convenience	NOUN
fsr-3890	283	6	sample	sample	NOUN
fsr-3890	283	7	represented	represent	VERB
fsr-3890	283	8	populations	population	NOUN
fsr-3890	283	9	found	find	VERB
fsr-3890	283	10	on	on	ADP
fsr-3890	283	11	most	most	ADJ
fsr-3890	283	12	four	four	NUM
fsr-3890	283	13	-	-	PUNCT
fsr-3890	283	14	year	year	NOUN
fsr-3890	283	15	college	college	NOUN
fsr-3890	283	16	campuses	campus	NOUN
fsr-3890	283	17	,	,	PUNCT
fsr-3890	283	18	namely	namely	ADV
fsr-3890	283	19	,	,	PUNCT
fsr-3890	283	20	a	a	DET
fsr-3890	283	21	group	group	NOUN
fsr-3890	283	22	with	with	ADP
fsr-3890	283	23	slightly	slightly	ADV
fsr-3890	283	24	higher	high	ADJ
fsr-3890	283	25	attained	attain	VERB
fsr-3890	283	26	education	education	NOUN
fsr-3890	283	27	,	,	PUNCT
fsr-3890	283	28	income	income	NOUN
fsr-3890	283	29	,	,	PUNCT
fsr-3890	283	30	and	and	CCONJ
fsr-3890	283	31	socioeconomic	socioeconomic	ADJ
fsr-3890	283	32	levels	level	NOUN
fsr-3890	283	33	,	,	PUNCT
fsr-3890	283	34	on	on	ADP
fsr-3890	283	35	average	average	ADJ
fsr-3890	283	36	,	,	PUNCT
fsr-3890	283	37	than	than	ADP
fsr-3890	283	38	the	the	DET
fsr-3890	283	39	general	general	ADJ
fsr-3890	283	40	population	population	NOUN
fsr-3890	283	41	.	.	PUNCT
fsr-3890	284	1	future	future	ADJ
fsr-3890	284	2	research	research	NOUN
fsr-3890	284	3	using	use	VERB
fsr-3890	284	4	the	the	DET
fsr-3890	284	5	items	item	NOUN
fsr-3890	284	6	and	and	CCONJ
fsr-3890	284	7	instrument	instrument	NOUN
fsr-3890	284	8	should	should	AUX
fsr-3890	284	9	incorporate	incorporate	VERB
fsr-3890	284	10	different	different	ADJ
fsr-3890	284	11	sample	sample	NOUN
fsr-3890	284	12	frames	frame	NOUN
fsr-3890	284	13	and	and	CCONJ
fsr-3890	284	14	populations	population	NOUN
fsr-3890	284	15	to	to	PART
fsr-3890	284	16	confirm	confirm	VERB
fsr-3890	284	17	the	the	DET
fsr-3890	284	18	generalizability	generalizability	NOUN
fsr-3890	284	19	of	of	ADP
fsr-3890	284	20	findings	finding	NOUN
fsr-3890	284	21	.	.	PUNCT
fsr-3890	285	1	financial	financial	ADJ
fsr-3890	285	2	risk	risk	NOUN
fsr-3890	285	3	-	-	PUNCT
fsr-3890	285	4	tolerance	tolerance	NOUN
fsr-3890	285	5	scores	score	NOUN
fsr-3890	285	6	were	be	AUX
fsr-3890	285	7	determined	determine	VERB
fsr-3890	285	8	by	by	ADP
fsr-3890	285	9	each	each	DET
fsr-3890	285	10	respondent	respondent	NOUN
fsr-3890	285	11	’s	’s	PART
fsr-3890	285	12	score	score	NOUN
fsr-3890	285	13	on	on	ADP
fsr-3890	285	14	the	the	DET
fsr-3890	285	15	20items	20item	NOUN
fsr-3890	285	16	in	in	ADP
fsr-3890	285	17	table	table	NOUN
fsr-3890	285	18	1	1	NUM
fsr-3890	285	19	.	.	PUNCT
fsr-3890	286	1	an	an	DET
fsr-3890	286	2	index	index	NOUN
fsr-3890	286	3	was	be	AUX
fsr-3890	286	4	constructed	construct	VERB
fsr-3890	286	5	by	by	ADP
fsr-3890	286	6	summing	sum	VERB
fsr-3890	286	7	the	the	DET
fsr-3890	286	8	weights	weight	NOUN
fsr-3890	286	9	corresponding	correspond	VERB
fsr-3890	286	10	to	to	ADP
fsr-3890	286	11	each	each	DET
fsr-3890	286	12	response	response	NOUN
fsr-3890	286	13	.	.	PUNCT
fsr-3890	287	1	higher	high	ADJ
fsr-3890	287	2	scores	score	NOUN
fsr-3890	287	3	represented	represent	VERB
fsr-3890	287	4	higher	high	ADJ
fsr-3890	287	5	levels	level	NOUN
fsr-3890	287	6	of	of	ADP
fsr-3890	287	7	risk	risk	NOUN
fsr-3890	287	8	tolerance	tolerance	NOUN
fsr-3890	287	9	whereas	whereas	SCONJ
fsr-3890	287	10	lower	low	ADJ
fsr-3890	287	11	scores	score	NOUN
fsr-3890	287	12	represented	represent	VERB
fsr-3890	287	13	lower	low	ADJ
fsr-3890	287	14	levels	level	NOUN
fsr-3890	287	15	of	of	ADP
fsr-3890	287	16	risk	risk	NOUN
fsr-3890	287	17	tolerance	tolerance	NOUN
fsr-3890	287	18	.	.	PUNCT
fsr-3890	288	1	the	the	DET
fsr-3890	288	2	average	average	ADJ
fsr-3890	288	3	risk	risk	NOUN
fsr-3890	288	4	-	-	PUNCT
fsr-3890	288	5	tolerance	tolerance	NOUN
fsr-3890	288	6	score	score	NOUN
fsr-3890	288	7	was	be	AUX
fsr-3890	288	8	37	37	NUM
fsr-3890	288	9	,	,	PUNCT
fsr-3890	288	10	with	with	ADP
fsr-3890	288	11	a	a	DET
fsr-3890	288	12	standard	standard	ADJ
fsr-3890	288	13	deviation	deviation	NOUN
fsr-3890	288	14	of	of	ADP
fsr-3890	288	15	6.40	6.40	NUM
fsr-3890	288	16	,	,	PUNCT
fsr-3890	288	17	and	and	CCONJ
fsr-3890	288	18	a	a	DET
fsr-3890	288	19	range	range	NOUN
fsr-3890	288	20	of	of	ADP
fsr-3890	288	21	20	20	NUM
fsr-3890	288	22	to	to	PART
fsr-3890	288	23	63	63	NUM
fsr-3890	288	24	.	.	PUNCT
fsr-3890	289	1	the	the	DET
fsr-3890	289	2	reliability	reliability	NOUN
fsr-3890	289	3	estimate	estimate	NOUN
fsr-3890	289	4	for	for	ADP
fsr-3890	289	5	the	the	DET
fsr-3890	289	6	20	20	NUM
fsr-3890	289	7	-	-	PUNCT
fsr-3890	289	8	item	item	NOUN
fsr-3890	289	9	instrument	instrument	NOUN
fsr-3890	289	10	was	be	AUX
fsr-3890	289	11	0.78	0.78	NUM
fsr-3890	289	12	,	,	PUNCT
fsr-3890	289	13	indicating	indicate	VERB
fsr-3890	289	14	an	an	DET
fsr-3890	289	15	acceptable	acceptable	ADJ
fsr-3890	289	16	level	level	NOUN
fsr-3890	289	17	of	of	ADP
fsr-3890	289	18	consistency	consistency	NOUN
fsr-3890	289	19	(	(	PUNCT
fsr-3890	289	20	henerson	henerson	NOUN
fsr-3890	289	21	et	et	PROPN
fsr-3890	289	22	al	al	PROPN
fsr-3890	289	23	.	.	PROPN
fsr-3890	289	24	,	,	PUNCT
fsr-3890	289	25	1987	1987	NUM
fsr-3890	289	26	;	;	PUNCT
fsr-3890	289	27	pedhazur	pedhazur	NOUN
fsr-3890	289	28	and	and	CCONJ
fsr-3890	289	29	schmelkin	schmelkin	NOUN
fsr-3890	289	30	,	,	PUNCT
fsr-3890	289	31	1991	1991	NUM
fsr-3890	289	32	)	)	PUNCT
fsr-3890	289	33	.	.	PUNCT
fsr-3890	290	1	these	these	DET
fsr-3890	290	2	data	datum	NOUN
fsr-3890	290	3	were	be	AUX
fsr-3890	290	4	useful	useful	ADJ
fsr-3890	290	5	in	in	ADP
fsr-3890	290	6	confirming	confirm	VERB
fsr-3890	290	7	that	that	SCONJ
fsr-3890	290	8	,	,	PUNCT
fsr-3890	290	9	overall	overall	ADJ
fsr-3890	290	10	,	,	PUNCT
fsr-3890	290	11	27	27	NUM
fsr-3890	290	12	%	%	NOUN
fsr-3890	290	13	of	of	ADP
fsr-3890	290	14	respondents	respondent	NOUN
fsr-3890	290	15	were	be	AUX
fsr-3890	290	16	classified	classify	VERB
fsr-3890	290	17	as	as	ADP
fsr-3890	290	18	having	have	VERB
fsr-3890	290	19	low	low	ADJ
fsr-3890	290	20	risk	risk	NOUN
fsr-3890	290	21	tolerances	tolerance	NOUN
fsr-3890	290	22	.	.	PUNCT
fsr-3890	291	1	the	the	DET
fsr-3890	291	2	majority	majority	NOUN
fsr-3890	291	3	of	of	ADP
fsr-3890	291	4	respondents	respondent	NOUN
fsr-3890	291	5	(	(	PUNCT
fsr-3890	291	6	60	60	NUM
fsr-3890	291	7	%	%	NOUN
fsr-3890	291	8	)	)	PUNCT
fsr-3890	291	9	were	be	AUX
fsr-3890	291	10	classified	classify	VERB
fsr-3890	291	11	as	as	ADP
fsr-3890	291	12	having	have	VERB
fsr-3890	291	13	moderate	moderate	ADJ
fsr-3890	291	14	risk	risk	NOUN
fsr-3890	291	15	tolerances	tolerance	NOUN
fsr-3890	291	16	,	,	PUNCT
fsr-3890	291	17	with	with	ADP
fsr-3890	291	18	13	13	NUM
fsr-3890	291	19	%	%	NOUN
fsr-3890	291	20	being	be	AUX
fsr-3890	291	21	classified	classify	VERB
fsr-3890	291	22	as	as	ADP
fsr-3890	291	23	having	have	VERB
fsr-3890	291	24	high	high	ADJ
fsr-3890	291	25	-	-	PUNCT
fsr-3890	291	26	risk	risk	NOUN
fsr-3890	291	27	tolerances	tolerance	NOUN
fsr-3890	291	28	.	.	PUNCT
fsr-3890	292	1	these	these	DET
fsr-3890	292	2	results	result	NOUN
fsr-3890	292	3	were	be	AUX
fsr-3890	292	4	consistent	consistent	ADJ
fsr-3890	292	5	with	with	ADP
fsr-3890	292	6	distributions	distribution	NOUN
fsr-3890	292	7	of	of	ADP
fsr-3890	292	8	financial	financial	ADJ
fsr-3890	292	9	risk	risk	NOUN
fsr-3890	292	10	-	-	PUNCT
fsr-3890	292	11	tolerance	tolerance	NOUN
fsr-3890	292	12	scores	score	NOUN
fsr-3890	292	13	found	find	VERB
fsr-3890	292	14	in	in	ADP
fsr-3890	292	15	the	the	DET
fsr-3890	292	16	literature	literature	NOUN
fsr-3890	292	17	(	(	PUNCT
fsr-3890	292	18	maccrimmon	maccrimmon	NOUN
fsr-3890	292	19	and	and	CCONJ
fsr-3890	292	20	wehrung	wehrung	PROPN
fsr-3890	292	21	,	,	PUNCT
fsr-3890	292	22	1985	1985	NUM
fsr-3890	292	23	)	)	PUNCT
fsr-3890	292	24	.	.	PUNCT
fsr-3890	293	1	table	table	NOUN
fsr-3890	293	2	3	3	NUM
fsr-3890	293	3	shows	show	VERB
fsr-3890	293	4	the	the	DET
fsr-3890	293	5	mean	mean	ADJ
fsr-3890	293	6	and	and	CCONJ
fsr-3890	293	7	standard	standard	ADJ
fsr-3890	293	8	deviation	deviation	NOUN
fsr-3890	293	9	scores	score	NOUN
fsr-3890	293	10	from	from	ADP
fsr-3890	293	11	the	the	DET
fsr-3890	293	12	sample	sample	NOUN
fsr-3890	293	13	for	for	ADP
fsr-3890	293	14	each	each	PRON
fsr-3890	293	15	of	of	ADP
fsr-3890	293	16	the	the	DET
fsr-3890	293	17	20	20	NUM
fsr-3890	293	18	items	item	NOUN
fsr-3890	293	19	,	,	PUNCT
fsr-3890	293	20	as	as	ADV
fsr-3890	293	21	well	well	ADV
fsr-3890	293	22	as	as	ADP
fsr-3890	293	23	correlation	correlation	NOUN
fsr-3890	293	24	’s	’s	ADV
fsr-3890	293	25	between	between	ADP
fsr-3890	293	26	each	each	DET
fsr-3890	293	27	item	item	NOUN
fsr-3890	293	28	and	and	CCONJ
fsr-3890	293	29	the	the	DET
fsr-3890	293	30	composite	composite	ADJ
fsr-3890	293	31	score	score	NOUN
fsr-3890	293	32	.	.	PUNCT
fsr-3890	294	1	the	the	DET
fsr-3890	294	2	correlation	correlation	NOUN
fsr-3890	294	3	range	range	NOUN
fsr-3890	294	4	(	(	PUNCT
fsr-3890	294	5	0.20–0.67	0.20–0.67	NOUN
fsr-3890	294	6	)	)	PUNCT
fsr-3890	294	7	indicated	indicate	VERB
fsr-3890	294	8	a	a	DET
fsr-3890	294	9	weak	weak	ADJ
fsr-3890	294	10	to	to	PART
fsr-3890	294	11	moderately	moderately	ADV
fsr-3890	294	12	strong	strong	ADJ
fsr-3890	294	13	relationship	relationship	NOUN
fsr-3890	294	14	between	between	ADP
fsr-3890	294	15	the	the	DET
fsr-3890	294	16	individual	individual	ADJ
fsr-3890	294	17	items	item	NOUN
fsr-3890	294	18	and	and	CCONJ
fsr-3890	294	19	the	the	DET
fsr-3890	294	20	index	index	NOUN
fsr-3890	294	21	score	score	NOUN
fsr-3890	294	22	.	.	PUNCT
fsr-3890	295	1	these	these	DET
fsr-3890	295	2	bivariate	bivariate	ADJ
fsr-3890	295	3	analyses	analysis	NOUN
fsr-3890	295	4	suggested	suggest	VERB
fsr-3890	295	5	the	the	DET
fsr-3890	295	6	need	need	NOUN
fsr-3890	295	7	for	for	ADP
fsr-3890	295	8	further	further	ADJ
fsr-3890	295	9	analysis	analysis	NOUN
fsr-3890	295	10	to	to	PART
fsr-3890	295	11	refine	refine	VERB
fsr-3890	295	12	the	the	DET
fsr-3890	295	13	scale	scale	NOUN
fsr-3890	295	14	.	.	PUNCT
fsr-3890	296	1	table	table	NOUN
fsr-3890	296	2	3	3	NUM
fsr-3890	296	3	means	mean	NOUN
fsr-3890	296	4	,	,	PUNCT
fsr-3890	296	5	standard	standard	ADJ
fsr-3890	296	6	deviations	deviation	NOUN
fsr-3890	296	7	,	,	PUNCT
fsr-3890	296	8	and	and	CCONJ
fsr-3890	296	9	correlations	correlation	NOUN
fsr-3890	296	10	for	for	ADP
fsr-3890	296	11	the	the	DET
fsr-3890	296	12	20	20	NUM
fsr-3890	296	13	risk	risk	NOUN
fsr-3890	296	14	assessment	assessment	NOUN
fsr-3890	296	15	items	item	NOUN
fsr-3890	296	16	(	(	PUNCT
fsr-3890	296	17	n	n	ADV
fsr-3890	296	18	5	5	NUM
fsr-3890	296	19	1,075	1,075	NUM
fsr-3890	296	20	)	)	PUNCT
fsr-3890	296	21	item	item	NOUN
fsr-3890	296	22	mean	mean	VERB
fsr-3890	296	23	standard	standard	ADJ
fsr-3890	296	24	deviation	deviation	NOUN
fsr-3890	296	25	item	item	NOUN
fsr-3890	296	26	correlation	correlation	NOUN
fsr-3890	296	27	with	with	ADP
fsr-3890	296	28	index	index	NOUN
fsr-3890	296	29	score	score	NOUN
fsr-3890	296	30	item	item	NOUN
fsr-3890	296	31	1	1	NUM
fsr-3890	296	32	2.48	2.48	NUM
fsr-3890	296	33	0.64	0.64	NUM
fsr-3890	296	34	0.54	0.54	NUM
fsr-3890	296	35	item	item	NOUN
fsr-3890	296	36	2	2	NUM
fsr-3890	296	37	1.87	1.87	NUM
fsr-3890	296	38	0.94	0.94	NUM
fsr-3890	296	39	0.58	0.58	NUM
fsr-3890	296	40	item	item	NOUN
fsr-3890	296	41	3	3	NUM
fsr-3890	296	42	1.85	1.85	NUM
fsr-3890	296	43	0.87	0.87	NUM
fsr-3890	296	44	0.43	0.43	NUM
fsr-3890	296	45	item	item	NOUN
fsr-3890	296	46	4	4	NUM
fsr-3890	296	47	2.00	2.00	NUM
fsr-3890	296	48	0.64	0.64	NUM
fsr-3890	296	49	0.20	0.20	NUM
fsr-3890	296	50	item	item	NOUN
fsr-3890	296	51	5	5	NUM
fsr-3890	296	52	2.13	2.13	NUM
fsr-3890	296	53	0.84	0.84	NUM
fsr-3890	296	54	0.67	0.67	NUM
fsr-3890	296	55	item	item	NOUN
fsr-3890	296	56	6	6	NUM
fsr-3890	296	57	1.83	1.83	NUM
fsr-3890	296	58	0.97	0.97	NUM
fsr-3890	296	59	0.53	0.53	NUM
fsr-3890	296	60	item	item	NOUN
fsr-3890	296	61	7	7	NUM
fsr-3890	296	62	1.46	1.46	NUM
fsr-3890	296	63	0.76	0.76	NUM
fsr-3890	296	64	0.28	0.28	NUM
fsr-3890	296	65	item	item	NOUN
fsr-3890	296	66	8	8	NUM
fsr-3890	296	67	2.12	2.12	NUM
fsr-3890	296	68	0.57	0.57	NUM
fsr-3890	296	69	0.44	0.44	NUM
fsr-3890	296	70	item	item	NOUN
fsr-3890	296	71	9	9	NUM
fsr-3890	296	72	2.47	2.47	NUM
fsr-3890	296	73	0.78	0.78	NUM
fsr-3890	296	74	0.35	0.35	NUM
fsr-3890	296	75	item	item	NOUN
fsr-3890	296	76	10	10	NUM
fsr-3890	296	77	1.93	1.93	NUM
fsr-3890	296	78	1.00	1.00	NUM
fsr-3890	296	79	0.43	0.43	NUM
fsr-3890	296	80	item	item	NOUN
fsr-3890	296	81	11	11	NUM
fsr-3890	296	82	2.31	2.31	NUM
fsr-3890	296	83	0.65	0.65	NUM
fsr-3890	296	84	0.49	0.49	NUM
fsr-3890	296	85	item	item	NOUN
fsr-3890	296	86	12	12	NUM
fsr-3890	296	87	1.55	1.55	NUM
fsr-3890	296	88	0.58	0.58	NUM
fsr-3890	296	89	0.27	0.27	NUM
fsr-3890	296	90	item	item	NOUN
fsr-3890	296	91	13	13	NUM
fsr-3890	296	92	1.45	1.45	NUM
fsr-3890	296	93	0.56	0.56	NUM
fsr-3890	296	94	0.42	0.42	NUM
fsr-3890	296	95	item	item	NOUN
fsr-3890	296	96	14	14	NUM
fsr-3890	296	97	2.27	2.27	NUM
fsr-3890	296	98	0.94	0.94	NUM
fsr-3890	296	99	0.63	0.63	NUM
fsr-3890	296	100	item	item	NOUN
fsr-3890	296	101	15	15	NUM
fsr-3890	296	102	1.78	1.78	NUM
fsr-3890	296	103	0.52	0.52	NUM
fsr-3890	296	104	0.30	0.30	NUM
fsr-3890	296	105	item	item	NOUN
fsr-3890	296	106	16	16	NUM
fsr-3890	296	107	1.66	1.66	NUM
fsr-3890	296	108	0.94	0.94	NUM
fsr-3890	296	109	0.47	0.47	NUM
fsr-3890	296	110	item	item	NOUN
fsr-3890	296	111	17	17	NUM
fsr-3890	296	112	2.39	2.39	NUM
fsr-3890	296	113	0.92	0.92	NUM
fsr-3890	296	114	0.41	0.41	NUM
fsr-3890	296	115	item	item	NOUN
fsr-3890	296	116	18	18	NUM
fsr-3890	296	117	2.02	2.02	NUM
fsr-3890	296	118	0.80	0.80	NUM
fsr-3890	296	119	0.52	0.52	NUM
fsr-3890	296	120	item	item	NOUN
fsr-3890	296	121	19	19	NUM
fsr-3890	296	122	1.68	1.68	NUM
fsr-3890	296	123	0.65	0.65	NUM
fsr-3890	296	124	0.62	0.62	NUM
fsr-3890	296	125	item	item	NOUN
fsr-3890	296	126	20	20	NUM
fsr-3890	296	127	1.58	1.58	NUM
fsr-3890	296	128	0.71	0.71	NUM
fsr-3890	296	129	0.45	0.45	NUM
fsr-3890	296	130	index	index	NOUN
fsr-3890	296	131	37.00	37.00	NUM
fsr-3890	296	132	6.40	6.40	NUM
fsr-3890	296	133	n.a	n.a	PROPN
fsr-3890	296	134	.	.	PROPN
fsr-3890	296	135	175j	175j	PROPN
fsr-3890	296	136	.	.	PUNCT
fsr-3890	297	1	grable	grable	PROPN
fsr-3890	297	2	,	,	PUNCT
fsr-3890	297	3	r.h	r.h	PROPN
fsr-3890	297	4	.	.	PROPN
fsr-3890	297	5	lytton	lytton	PROPN
fsr-3890	297	6	/	/	SYM
fsr-3890	297	7	financial	financial	ADJ
fsr-3890	297	8	services	service	NOUN
fsr-3890	297	9	review	review	VERB
fsr-3890	297	10	8	8	NUM
fsr-3890	297	11	(	(	PUNCT
fsr-3890	297	12	1999	1999	NUM
fsr-3890	297	13	)	)	PUNCT
fsr-3890	297	14	163–181	163–181	NUM
fsr-3890	297	15	as	as	SCONJ
fsr-3890	297	16	was	be	AUX
fsr-3890	297	17	the	the	DET
fsr-3890	297	18	case	case	NOUN
fsr-3890	297	19	in	in	ADP
fsr-3890	297	20	the	the	DET
fsr-3890	297	21	original	original	ADJ
fsr-3890	297	22	pilot	pilot	NOUN
fsr-3890	297	23	study	study	NOUN
fsr-3890	297	24	,	,	PUNCT
fsr-3890	297	25	a	a	DET
fsr-3890	297	26	multivariate	multivariate	NOUN
fsr-3890	297	27	item	item	NOUN
fsr-3890	297	28	analysis	analysis	NOUN
fsr-3890	297	29	was	be	AUX
fsr-3890	297	30	conducted	conduct	VERB
fsr-3890	297	31	by	by	ADP
fsr-3890	297	32	regressing	regress	VERB
fsr-3890	297	33	financial	financial	ADJ
fsr-3890	297	34	risk	risk	NOUN
fsr-3890	297	35	-	-	PUNCT
fsr-3890	297	36	tolerance	tolerance	NOUN
fsr-3890	297	37	composite	composite	ADJ
fsr-3890	297	38	scores	score	NOUN
fsr-3890	297	39	on	on	ADP
fsr-3890	297	40	each	each	PRON
fsr-3890	297	41	of	of	ADP
fsr-3890	297	42	the	the	DET
fsr-3890	297	43	20	20	NUM
fsr-3890	297	44	assessment	assessment	NOUN
fsr-3890	297	45	items	item	NOUN
fsr-3890	297	46	.	.	PUNCT
fsr-3890	298	1	this	this	DET
fsr-3890	298	2	test	test	NOUN
fsr-3890	298	3	indicated	indicate	VERB
fsr-3890	298	4	that	that	SCONJ
fsr-3890	298	5	indeed	indeed	ADV
fsr-3890	298	6	each	each	DET
fsr-3890	298	7	assessment	assessment	NOUN
fsr-3890	298	8	item	item	NOUN
fsr-3890	298	9	had	have	VERB
fsr-3890	298	10	a	a	DET
fsr-3890	298	11	strong	strong	ADJ
fsr-3890	298	12	relationship	relationship	NOUN
fsr-3890	298	13	with	with	ADP
fsr-3890	298	14	the	the	DET
fsr-3890	298	15	final	final	ADJ
fsr-3890	298	16	composite	composite	ADJ
fsr-3890	298	17	index	index	NOUN
fsr-3890	298	18	.	.	PUNCT
fsr-3890	299	1	external	external	ADJ
fsr-3890	299	2	item	item	NOUN
fsr-3890	299	3	analysis	analysis	NOUN
fsr-3890	299	4	was	be	AUX
fsr-3890	299	5	measured	measure	VERB
fsr-3890	299	6	by	by	ADP
fsr-3890	299	7	comparing	compare	VERB
fsr-3890	299	8	individual	individual	ADJ
fsr-3890	299	9	assessment	assessment	NOUN
fsr-3890	299	10	item	item	NOUN
fsr-3890	299	11	scores	score	NOUN
fsr-3890	299	12	to	to	ADP
fsr-3890	299	13	other	other	ADJ
fsr-3890	299	14	item	item	NOUN
fsr-3890	299	15	scores	score	NOUN
fsr-3890	299	16	and	and	CCONJ
fsr-3890	299	17	the	the	DET
fsr-3890	299	18	total	total	ADJ
fsr-3890	299	19	index	index	NOUN
fsr-3890	299	20	score	score	NOUN
fsr-3890	299	21	.	.	PUNCT
fsr-3890	300	1	this	this	DET
fsr-3890	300	2	test	test	NOUN
fsr-3890	300	3	was	be	AUX
fsr-3890	300	4	conducted	conduct	VERB
fsr-3890	300	5	to	to	PART
fsr-3890	300	6	confirm	confirm	VERB
fsr-3890	300	7	that	that	PRON
fsr-3890	300	8	individual	individual	ADJ
fsr-3890	300	9	index	index	NOUN
fsr-3890	300	10	items	item	NOUN
fsr-3890	300	11	provided	provide	VERB
fsr-3890	300	12	similar	similar	ADJ
fsr-3890	300	13	scores	score	NOUN
fsr-3890	300	14	for	for	ADP
fsr-3890	300	15	both	both	CCONJ
fsr-3890	300	16	those	those	PRON
fsr-3890	300	17	with	with	ADP
fsr-3890	300	18	high	high	ADJ
fsr-3890	300	19	and	and	CCONJ
fsr-3890	300	20	low	low	ADJ
fsr-3890	300	21	levels	level	NOUN
fsr-3890	300	22	of	of	ADP
fsr-3890	300	23	risk	risk	NOUN
fsr-3890	300	24	tolerance	tolerance	NOUN
fsr-3890	300	25	.	.	PUNCT
fsr-3890	301	1	results	result	NOUN
fsr-3890	301	2	of	of	ADP
fsr-3890	301	3	these	these	DET
fsr-3890	301	4	item	item	NOUN
fsr-3890	301	5	analyses	analysis	NOUN
fsr-3890	301	6	were	be	AUX
fsr-3890	301	7	consistent	consistent	ADJ
fsr-3890	301	8	with	with	ADP
fsr-3890	301	9	the	the	DET
fsr-3890	301	10	pilot	pilot	NOUN
fsr-3890	301	11	study	study	NOUN
fsr-3890	301	12	findings	finding	NOUN
fsr-3890	301	13	.	.	PUNCT
fsr-3890	302	1	in	in	ADP
fsr-3890	302	2	general	general	ADJ
fsr-3890	302	3	,	,	PUNCT
fsr-3890	302	4	it	it	PRON
fsr-3890	302	5	was	be	AUX
fsr-3890	302	6	determined	determine	VERB
fsr-3890	302	7	that	that	SCONJ
fsr-3890	302	8	persons	person	NOUN
fsr-3890	302	9	who	who	PRON
fsr-3890	302	10	were	be	AUX
fsr-3890	302	11	categorized	categorize	VERB
fsr-3890	302	12	as	as	ADP
fsr-3890	302	13	having	have	VERB
fsr-3890	302	14	low	low	ADJ
fsr-3890	302	15	risk	risk	NOUN
fsr-3890	302	16	tolerances	tolerance	NOUN
fsr-3890	302	17	tended	tend	VERB
fsr-3890	302	18	to	to	PART
fsr-3890	302	19	be	be	AUX
fsr-3890	302	20	less	less	ADV
fsr-3890	302	21	confident	confident	ADJ
fsr-3890	302	22	in	in	ADP
fsr-3890	302	23	their	their	PRON
fsr-3890	302	24	investment	investment	NOUN
fsr-3890	302	25	behaviors	behavior	NOUN
fsr-3890	302	26	,	,	PUNCT
fsr-3890	302	27	less	less	ADV
fsr-3890	302	28	aggressive	aggressive	ADJ
fsr-3890	302	29	in	in	ADP
fsr-3890	302	30	their	their	PRON
fsr-3890	302	31	investing	investing	NOUN
fsr-3890	302	32	behaviors	behavior	NOUN
fsr-3890	302	33	,	,	PUNCT
fsr-3890	302	34	and	and	CCONJ
fsr-3890	302	35	more	more	ADV
fsr-3890	302	36	likely	likely	ADJ
fsr-3890	302	37	to	to	PART
fsr-3890	302	38	avoid	avoid	VERB
fsr-3890	302	39	risky	risky	ADJ
fsr-3890	302	40	financial	financial	ADJ
fsr-3890	302	41	situations	situation	NOUN
fsr-3890	302	42	than	than	ADP
fsr-3890	302	43	those	those	PRON
fsr-3890	302	44	who	who	PRON
fsr-3890	302	45	were	be	AUX
fsr-3890	302	46	categorized	categorize	VERB
fsr-3890	302	47	into	into	ADP
fsr-3890	302	48	higher	high	ADJ
fsr-3890	302	49	risk	risk	NOUN
fsr-3890	302	50	-	-	PUNCT
fsr-3890	302	51	tolerance	tolerance	NOUN
fsr-3890	302	52	categories	category	NOUN
fsr-3890	302	53	.	.	PUNCT
fsr-3890	303	1	3.3	3.3	NUM
fsr-3890	303	2	.	.	PUNCT
fsr-3890	304	1	factor	factor	NOUN
fsr-3890	304	2	analysis	analysis	NOUN
fsr-3890	304	3	application	application	NOUN
fsr-3890	304	4	to	to	PART
fsr-3890	304	5	further	far	ADV
fsr-3890	304	6	explore	explore	VERB
fsr-3890	304	7	the	the	DET
fsr-3890	304	8	issue	issue	NOUN
fsr-3890	304	9	of	of	ADP
fsr-3890	304	10	multidimensionality	multidimensionality	NOUN
fsr-3890	304	11	in	in	ADP
fsr-3890	304	12	the	the	DET
fsr-3890	304	13	instrument	instrument	NOUN
fsr-3890	304	14	and	and	CCONJ
fsr-3890	304	15	to	to	PART
fsr-3890	304	16	ensure	ensure	VERB
fsr-3890	304	17	a	a	DET
fsr-3890	304	18	parsimonious	parsimonious	ADJ
fsr-3890	304	19	measure	measure	NOUN
fsr-3890	304	20	,	,	PUNCT
fsr-3890	304	21	principal	principal	ADJ
fsr-3890	304	22	components	component	NOUN
fsr-3890	304	23	factor	factor	NOUN
fsr-3890	304	24	analysis	analysis	NOUN
fsr-3890	304	25	was	be	AUX
fsr-3890	304	26	performed	perform	VERB
fsr-3890	304	27	on	on	ADP
fsr-3890	304	28	the	the	DET
fsr-3890	304	29	20	20	NUM
fsr-3890	304	30	items	item	NOUN
fsr-3890	304	31	.	.	PUNCT
fsr-3890	305	1	the	the	DET
fsr-3890	305	2	purpose	purpose	NOUN
fsr-3890	305	3	of	of	ADP
fsr-3890	305	4	factor	factor	NOUN
fsr-3890	305	5	analysis	analysis	NOUN
fsr-3890	305	6	is	be	AUX
fsr-3890	305	7	to	to	PART
fsr-3890	305	8	reduce	reduce	VERB
fsr-3890	305	9	and	and	CCONJ
fsr-3890	305	10	summarize	summarize	VERB
fsr-3890	305	11	data	datum	NOUN
fsr-3890	305	12	by	by	ADP
fsr-3890	305	13	identifying	identify	VERB
fsr-3890	305	14	the	the	DET
fsr-3890	305	15	underlying	underlying	ADJ
fsr-3890	305	16	,	,	PUNCT
fsr-3890	305	17	or	or	CCONJ
fsr-3890	305	18	common	common	ADJ
fsr-3890	305	19	interrelationships	interrelationship	NOUN
fsr-3890	305	20	,	,	PUNCT
fsr-3890	305	21	which	which	PRON
fsr-3890	305	22	can	can	AUX
fsr-3890	305	23	then	then	ADV
fsr-3890	305	24	be	be	AUX
fsr-3890	305	25	conceptually	conceptually	ADV
fsr-3890	305	26	explained	explain	VERB
fsr-3890	305	27	,	,	PUNCT
fsr-3890	305	28	or	or	CCONJ
fsr-3890	305	29	named	name	VERB
fsr-3890	305	30	,	,	PUNCT
fsr-3890	305	31	as	as	ADP
fsr-3890	305	32	factors	factor	NOUN
fsr-3890	305	33	.	.	PUNCT
fsr-3890	306	1	as	as	ADP
fsr-3890	306	2	such	such	ADJ
fsr-3890	306	3	,	,	PUNCT
fsr-3890	306	4	this	this	DET
fsr-3890	306	5	phase	phase	NOUN
fsr-3890	306	6	of	of	ADP
fsr-3890	306	7	the	the	DET
fsr-3890	306	8	analysis	analysis	NOUN
fsr-3890	306	9	served	serve	VERB
fsr-3890	306	10	two	two	NUM
fsr-3890	306	11	purposes	purpose	NOUN
fsr-3890	306	12	relative	relative	ADJ
fsr-3890	306	13	to	to	ADP
fsr-3890	306	14	the	the	DET
fsr-3890	306	15	risk	risk	NOUN
fsr-3890	306	16	tolerance	tolerance	NOUN
fsr-3890	306	17	assessment	assessment	NOUN
fsr-3890	306	18	recommendations	recommendation	NOUN
fsr-3890	306	19	offered	offer	VERB
fsr-3890	306	20	by	by	ADP
fsr-3890	306	21	maccrimmon	maccrimmon	NOUN
fsr-3890	306	22	and	and	CCONJ
fsr-3890	306	23	wehrung	wehrung	PROPN
fsr-3890	306	24	(	(	PUNCT
fsr-3890	306	25	1986	1986	NUM
fsr-3890	306	26	)	)	PUNCT
fsr-3890	306	27	.	.	PUNCT
fsr-3890	307	1	the	the	DET
fsr-3890	307	2	first	first	ADJ
fsr-3890	307	3	purpose	purpose	NOUN
fsr-3890	307	4	of	of	ADP
fsr-3890	307	5	the	the	DET
fsr-3890	307	6	factor	factor	NOUN
fsr-3890	307	7	analysis	analysis	NOUN
fsr-3890	307	8	was	be	AUX
fsr-3890	307	9	the	the	DET
fsr-3890	307	10	identification	identification	NOUN
fsr-3890	307	11	of	of	ADP
fsr-3890	307	12	the	the	DET
fsr-3890	307	13	underlying	underlie	VERB
fsr-3890	307	14	dimensions	dimension	NOUN
fsr-3890	307	15	,	,	PUNCT
fsr-3890	307	16	or	or	CCONJ
fsr-3890	307	17	factors	factor	NOUN
fsr-3890	307	18	;	;	PUNCT
fsr-3890	307	19	this	this	PRON
fsr-3890	307	20	ensured	ensure	VERB
fsr-3890	307	21	that	that	SCONJ
fsr-3890	307	22	within	within	ADP
fsr-3890	307	23	the	the	DET
fsr-3890	307	24	20	20	NUM
fsr-3890	307	25	items	item	NOUN
fsr-3890	307	26	the	the	DET
fsr-3890	307	27	instrument	instrument	NOUN
fsr-3890	307	28	offered	offer	VERB
fsr-3890	307	29	a	a	DET
fsr-3890	307	30	multidimensional	multidimensional	ADJ
fsr-3890	307	31	approach	approach	NOUN
fsr-3890	307	32	to	to	ADP
fsr-3890	307	33	financial	financial	ADJ
fsr-3890	307	34	situations	situation	NOUN
fsr-3890	307	35	yet	yet	ADV
fsr-3890	307	36	focused	focus	VERB
fsr-3890	307	37	on	on	ADP
fsr-3890	307	38	the	the	DET
fsr-3890	307	39	central	central	ADJ
fsr-3890	307	40	concept	concept	NOUN
fsr-3890	307	41	of	of	ADP
fsr-3890	307	42	risk	risk	NOUN
fsr-3890	307	43	.	.	PUNCT
fsr-3890	308	1	the	the	DET
fsr-3890	308	2	second	second	ADJ
fsr-3890	308	3	purpose	purpose	NOUN
fsr-3890	308	4	of	of	ADP
fsr-3890	308	5	the	the	DET
fsr-3890	308	6	factor	factor	NOUN
fsr-3890	308	7	analysis	analysis	NOUN
fsr-3890	308	8	was	be	AUX
fsr-3890	308	9	the	the	DET
fsr-3890	308	10	elimination	elimination	NOUN
fsr-3890	308	11	of	of	ADP
fsr-3890	308	12	items	item	NOUN
fsr-3890	308	13	that	that	PRON
fsr-3890	308	14	did	do	AUX
fsr-3890	308	15	not	not	PART
fsr-3890	308	16	significantly	significantly	ADV
fsr-3890	308	17	contribute	contribute	VERB
fsr-3890	308	18	to	to	ADP
fsr-3890	308	19	the	the	DET
fsr-3890	308	20	measurement	measurement	NOUN
fsr-3890	308	21	of	of	ADP
fsr-3890	308	22	the	the	DET
fsr-3890	308	23	underlying	underlie	VERB
fsr-3890	308	24	dimensions	dimension	NOUN
fsr-3890	308	25	.	.	PUNCT
fsr-3890	309	1	this	this	PRON
fsr-3890	309	2	ensured	ensure	VERB
fsr-3890	309	3	that	that	SCONJ
fsr-3890	309	4	the	the	DET
fsr-3890	309	5	instrument	instrument	NOUN
fsr-3890	309	6	was	be	AUX
fsr-3890	309	7	brief	brief	ADJ
fsr-3890	309	8	,	,	PUNCT
fsr-3890	309	9	nonredundant	nonredundant	ADJ
fsr-3890	309	10	,	,	PUNCT
fsr-3890	309	11	and	and	CCONJ
fsr-3890	309	12	interesting	interesting	ADJ
fsr-3890	309	13	to	to	PART
fsr-3890	309	14	complete	complete	VERB
fsr-3890	309	15	.	.	PUNCT
fsr-3890	310	1	four	four	NUM
fsr-3890	310	2	statistical	statistical	ADJ
fsr-3890	310	3	criteria	criterion	NOUN
fsr-3890	310	4	are	be	AUX
fsr-3890	310	5	commonly	commonly	ADV
fsr-3890	310	6	considered	consider	VERB
fsr-3890	310	7	in	in	ADP
fsr-3890	310	8	the	the	DET
fsr-3890	310	9	analysis	analysis	NOUN
fsr-3890	310	10	and	and	CCONJ
fsr-3890	310	11	interpretation	interpretation	NOUN
fsr-3890	310	12	of	of	ADP
fsr-3890	310	13	principal	principal	ADJ
fsr-3890	310	14	components	component	NOUN
fsr-3890	310	15	factor	factor	NOUN
fsr-3890	310	16	analysis	analysis	NOUN
fsr-3890	310	17	.	.	PUNCT
fsr-3890	311	1	the	the	DET
fsr-3890	311	2	eigenvalue	eigenvalue	PROPN
fsr-3890	311	3	-	-	PUNCT
fsr-3890	311	4	one	one	NUM
fsr-3890	311	5	criterion	criterion	NOUN
fsr-3890	311	6	,	,	PUNCT
fsr-3890	311	7	the	the	DET
fsr-3890	311	8	screen	screen	NOUN
fsr-3890	311	9	test	test	NOUN
fsr-3890	311	10	,	,	PUNCT
fsr-3890	311	11	the	the	DET
fsr-3890	311	12	proportion	proportion	NOUN
fsr-3890	311	13	of	of	ADP
fsr-3890	311	14	variance	variance	NOUN
fsr-3890	311	15	accounted	account	VERB
fsr-3890	311	16	for	for	ADP
fsr-3890	311	17	,	,	PUNCT
fsr-3890	311	18	and	and	CCONJ
fsr-3890	311	19	the	the	DET
fsr-3890	311	20	interpretability	interpretability	NOUN
fsr-3890	311	21	of	of	ADP
fsr-3890	311	22	the	the	DET
fsr-3890	311	23	resulting	result	VERB
fsr-3890	311	24	factors	factor	NOUN
fsr-3890	311	25	(	(	PUNCT
fsr-3890	311	26	i.e.	i.e.	X
fsr-3890	311	27	,	,	PUNCT
fsr-3890	311	28	composite	composite	ADJ
fsr-3890	311	29	dimensions	dimension	NOUN
fsr-3890	311	30	)	)	PUNCT
fsr-3890	311	31	were	be	AUX
fsr-3890	311	32	each	each	PRON
fsr-3890	311	33	considered	consider	VERB
fsr-3890	311	34	.	.	PUNCT
fsr-3890	312	1	the	the	DET
fsr-3890	312	2	first	first	ADJ
fsr-3890	312	3	three	three	NUM
fsr-3890	312	4	criterion	criterion	NOUN
fsr-3890	312	5	are	be	AUX
fsr-3890	312	6	used	use	VERB
fsr-3890	312	7	to	to	PART
fsr-3890	312	8	determine	determine	VERB
fsr-3890	312	9	the	the	DET
fsr-3890	312	10	optimum	optimum	ADJ
fsr-3890	312	11	number	number	NOUN
fsr-3890	312	12	of	of	ADP
fsr-3890	312	13	factors	factor	NOUN
fsr-3890	312	14	,	,	PUNCT
fsr-3890	312	15	or	or	CCONJ
fsr-3890	312	16	underlying	underlie	VERB
fsr-3890	312	17	dimensions	dimension	NOUN
fsr-3890	312	18	,	,	PUNCT
fsr-3890	312	19	which	which	PRON
fsr-3890	312	20	can	can	AUX
fsr-3890	312	21	be	be	AUX
fsr-3890	312	22	extracted	extract	VERB
fsr-3890	312	23	from	from	ADP
fsr-3890	312	24	the	the	DET
fsr-3890	312	25	data	datum	NOUN
fsr-3890	312	26	.	.	PUNCT
fsr-3890	313	1	these	these	PRON
fsr-3890	313	2	are	be	AUX
fsr-3890	313	3	considered	consider	VERB
fsr-3890	313	4	in	in	ADP
fsr-3890	313	5	conjunction	conjunction	NOUN
fsr-3890	313	6	with	with	ADP
fsr-3890	313	7	interpretability	interpretability	NOUN
fsr-3890	313	8	.	.	PUNCT
fsr-3890	314	1	rotation	rotation	NOUN
fsr-3890	314	2	,	,	PUNCT
fsr-3890	314	3	or	or	CCONJ
fsr-3890	314	4	the	the	DET
fsr-3890	314	5	turning	turning	NOUN
fsr-3890	314	6	of	of	ADP
fsr-3890	314	7	the	the	DET
fsr-3890	314	8	reference	reference	NOUN
fsr-3890	314	9	axes	axis	NOUN
fsr-3890	314	10	of	of	ADP
fsr-3890	314	11	the	the	DET
fsr-3890	314	12	factors	factor	NOUN
fsr-3890	314	13	about	about	ADP
fsr-3890	314	14	the	the	DET
fsr-3890	314	15	origin	origin	NOUN
fsr-3890	314	16	,	,	PUNCT
fsr-3890	314	17	is	be	AUX
fsr-3890	314	18	often	often	ADV
fsr-3890	314	19	used	use	VERB
fsr-3890	314	20	to	to	PART
fsr-3890	314	21	effect	effect	VERB
fsr-3890	314	22	a	a	DET
fsr-3890	314	23	factor	factor	NOUN
fsr-3890	314	24	solution	solution	NOUN
fsr-3890	314	25	that	that	PRON
fsr-3890	314	26	is	be	AUX
fsr-3890	314	27	simpler	simple	ADJ
fsr-3890	314	28	or	or	CCONJ
fsr-3890	314	29	more	more	ADV
fsr-3890	314	30	theoretically	theoretically	ADV
fsr-3890	314	31	meaningful	meaningful	ADJ
fsr-3890	314	32	.	.	PUNCT
fsr-3890	315	1	for	for	ADP
fsr-3890	315	2	this	this	DET
fsr-3890	315	3	analysis	analysis	NOUN
fsr-3890	315	4	,	,	PUNCT
fsr-3890	315	5	varimax	varimax	ADJ
fsr-3890	315	6	rotation	rotation	NOUN
fsr-3890	315	7	was	be	AUX
fsr-3890	315	8	used	use	VERB
fsr-3890	315	9	to	to	PART
fsr-3890	315	10	simplify	simplify	VERB
fsr-3890	315	11	the	the	DET
fsr-3890	315	12	factor	factor	NOUN
fsr-3890	315	13	loading	loading	NOUN
fsr-3890	315	14	structure	structure	NOUN
fsr-3890	315	15	and	and	CCONJ
fsr-3890	315	16	to	to	PART
fsr-3890	315	17	increase	increase	VERB
fsr-3890	315	18	interpretability	interpretability	NOUN
fsr-3890	315	19	.	.	PUNCT
fsr-3890	316	1	with	with	ADP
fsr-3890	316	2	varimax	varimax	PROPN
fsr-3890	316	3	,	,	PUNCT
fsr-3890	316	4	an	an	DET
fsr-3890	316	5	orthogonal	orthogonal	ADJ
fsr-3890	316	6	rotation	rotation	NOUN
fsr-3890	316	7	,	,	PUNCT
fsr-3890	316	8	the	the	DET
fsr-3890	316	9	factors	factor	NOUN
fsr-3890	316	10	remain	remain	VERB
fsr-3890	316	11	uncorrelated	uncorrelated	ADJ
fsr-3890	316	12	,	,	PUNCT
fsr-3890	316	13	and	and	CCONJ
fsr-3890	316	14	the	the	DET
fsr-3890	316	15	sum	sum	NOUN
fsr-3890	316	16	of	of	ADP
fsr-3890	316	17	the	the	DET
fsr-3890	316	18	variance	variance	NOUN
fsr-3890	316	19	accounted	account	VERB
fsr-3890	316	20	for	for	ADP
fsr-3890	316	21	by	by	ADP
fsr-3890	316	22	the	the	DET
fsr-3890	316	23	factors	factor	NOUN
fsr-3890	316	24	does	do	AUX
fsr-3890	316	25	not	not	PART
fsr-3890	316	26	change	change	VERB
fsr-3890	316	27	.	.	PUNCT
fsr-3890	317	1	based	base	VERB
fsr-3890	317	2	on	on	ADP
fsr-3890	317	3	the	the	DET
fsr-3890	317	4	eigenvalue	eigenvalue	NOUN
fsr-3890	317	5	greater	great	ADJ
fsr-3890	317	6	than	than	ADP
fsr-3890	317	7	one	one	NUM
fsr-3890	317	8	criterion	criterion	NOUN
fsr-3890	317	9	,	,	PUNCT
fsr-3890	317	10	the	the	DET
fsr-3890	317	11	principal	principal	ADJ
fsr-3890	317	12	components	component	NOUN
fsr-3890	317	13	factor	factor	NOUN
fsr-3890	317	14	analysis	analysis	NOUN
fsr-3890	317	15	generated	generate	VERB
fsr-3890	317	16	a	a	DET
fsr-3890	317	17	four	four	NUM
fsr-3890	317	18	-	-	PUNCT
fsr-3890	317	19	factor	factor	NOUN
fsr-3890	317	20	solution	solution	NOUN
fsr-3890	317	21	that	that	PRON
fsr-3890	317	22	accounted	account	VERB
fsr-3890	317	23	for	for	ADP
fsr-3890	317	24	38.6	38.6	NUM
fsr-3890	317	25	%	%	NOUN
fsr-3890	317	26	of	of	ADP
fsr-3890	317	27	the	the	DET
fsr-3890	317	28	total	total	ADJ
fsr-3890	317	29	variance	variance	NOUN
fsr-3890	317	30	.	.	PUNCT
fsr-3890	318	1	results	result	NOUN
fsr-3890	318	2	of	of	ADP
fsr-3890	318	3	both	both	CCONJ
fsr-3890	318	4	the	the	DET
fsr-3890	318	5	unrotated	unrotated	ADJ
fsr-3890	318	6	and	and	CCONJ
fsr-3890	318	7	varimax	varimax	ADJ
fsr-3890	318	8	rotated	rotate	VERB
fsr-3890	318	9	solutions	solution	NOUN
fsr-3890	318	10	were	be	AUX
fsr-3890	318	11	considered	consider	VERB
fsr-3890	318	12	for	for	ADP
fsr-3890	318	13	interpretability	interpretability	NOUN
fsr-3890	318	14	.	.	PUNCT
fsr-3890	319	1	based	base	VERB
fsr-3890	319	2	on	on	ADP
fsr-3890	319	3	the	the	DET
fsr-3890	319	4	screen	screen	NOUN
fsr-3890	319	5	test	test	NOUN
fsr-3890	319	6	,	,	PUNCT
fsr-3890	319	7	additional	additional	ADJ
fsr-3890	319	8	factor	factor	NOUN
fsr-3890	319	9	analyses	analyse	VERB
fsr-3890	319	10	with	with	ADP
fsr-3890	319	11	unrotated	unrotated	ADJ
fsr-3890	319	12	and	and	CCONJ
fsr-3890	319	13	varimax	varimax	VERB
fsr-3890	319	14	rotated	rotate	VERB
fsr-3890	319	15	solutions	solution	NOUN
fsr-3890	319	16	were	be	AUX
fsr-3890	319	17	limited	limit	VERB
fsr-3890	319	18	to	to	ADP
fsr-3890	319	19	three	three	NUM
fsr-3890	319	20	factors	factor	NOUN
fsr-3890	319	21	.	.	PUNCT
fsr-3890	320	1	the	the	DET
fsr-3890	320	2	latter	latter	ADJ
fsr-3890	320	3	results	result	NOUN
fsr-3890	320	4	were	be	AUX
fsr-3890	320	5	interpretable	interpretable	ADJ
fsr-3890	320	6	,	,	PUNCT
fsr-3890	320	7	with	with	ADP
fsr-3890	320	8	clean	clean	ADJ
fsr-3890	320	9	loading	loading	NOUN
fsr-3890	320	10	across	across	ADP
fsr-3890	320	11	factors	factor	NOUN
fsr-3890	320	12	.	.	PUNCT
fsr-3890	321	1	this	this	DET
fsr-3890	321	2	solution	solution	NOUN
fsr-3890	321	3	accounted	account	VERB
fsr-3890	321	4	for	for	ADP
fsr-3890	321	5	33.3	33.3	NUM
fsr-3890	321	6	%	%	NOUN
fsr-3890	321	7	of	of	ADP
fsr-3890	321	8	the	the	DET
fsr-3890	321	9	variance	variance	NOUN
fsr-3890	321	10	,	,	PUNCT
fsr-3890	321	11	or	or	CCONJ
fsr-3890	321	12	a	a	DET
fsr-3890	321	13	slight	slight	ADJ
fsr-3890	321	14	176	176	NUM
fsr-3890	321	15	j.	j.	PROPN
fsr-3890	321	16	grable	grable	PROPN
fsr-3890	321	17	,	,	PUNCT
fsr-3890	321	18	r.h	r.h	PROPN
fsr-3890	321	19	.	.	PROPN
fsr-3890	321	20	lytton	lytton	PROPN
fsr-3890	321	21	/	/	SYM
fsr-3890	321	22	financial	financial	ADJ
fsr-3890	321	23	services	service	NOUN
fsr-3890	321	24	review	review	VERB
fsr-3890	321	25	8	8	NUM
fsr-3890	321	26	(	(	PUNCT
fsr-3890	321	27	1999	1999	NUM
fsr-3890	321	28	)	)	PUNCT
fsr-3890	322	1	163–181	163–181	NUM
fsr-3890	322	2	reduction	reduction	NOUN
fsr-3890	322	3	from	from	ADP
fsr-3890	322	4	the	the	DET
fsr-3890	322	5	initial	initial	ADJ
fsr-3890	322	6	“	"	PUNCT
fsr-3890	322	7	best	good	ADJ
fsr-3890	322	8	linear	linear	ADJ
fsr-3890	322	9	combination	combination	NOUN
fsr-3890	322	10	”	"	PUNCT
fsr-3890	322	11	solution	solution	NOUN
fsr-3890	322	12	generated	generate	VERB
fsr-3890	322	13	solely	solely	ADV
fsr-3890	322	14	on	on	ADP
fsr-3890	322	15	the	the	DET
fsr-3890	322	16	basis	basis	NOUN
fsr-3890	322	17	of	of	ADP
fsr-3890	322	18	the	the	DET
fsr-3890	322	19	eigenvalue	eigenvalue	NOUN
fsr-3890	322	20	-	-	PUNCT
fsr-3890	322	21	one	one	NUM
fsr-3890	322	22	criterion	criterion	NOUN
fsr-3890	322	23	.	.	PUNCT
fsr-3890	323	1	in	in	ADP
fsr-3890	323	2	interpreting	interpret	VERB
fsr-3890	323	3	the	the	DET
fsr-3890	323	4	rotated	rotate	VERB
fsr-3890	323	5	factor	factor	NOUN
fsr-3890	323	6	pattern	pattern	NOUN
fsr-3890	323	7	,	,	PUNCT
fsr-3890	323	8	shown	show	VERB
fsr-3890	323	9	in	in	ADP
fsr-3890	323	10	table	table	NOUN
fsr-3890	323	11	4	4	NUM
fsr-3890	323	12	,	,	PUNCT
fsr-3890	323	13	an	an	DET
fsr-3890	323	14	item	item	NOUN
fsr-3890	323	15	“	"	PUNCT
fsr-3890	323	16	loaded	load	VERB
fsr-3890	323	17	”	"	PUNCT
fsr-3890	323	18	on	on	ADP
fsr-3890	323	19	a	a	DET
fsr-3890	323	20	factor	factor	NOUN
fsr-3890	323	21	if	if	SCONJ
fsr-3890	323	22	the	the	DET
fsr-3890	323	23	factor	factor	NOUN
fsr-3890	323	24	loading	loading	NOUN
fsr-3890	323	25	was	be	AUX
fsr-3890	323	26	equal	equal	ADJ
fsr-3890	323	27	to	to	ADP
fsr-3890	323	28	or	or	CCONJ
fsr-3890	323	29	greater	great	ADJ
fsr-3890	323	30	than	than	ADP
fsr-3890	323	31	0.45	0.45	NUM
fsr-3890	323	32	.	.	PUNCT
fsr-3890	324	1	these	these	DET
fsr-3890	324	2	items	item	NOUN
fsr-3890	324	3	were	be	AUX
fsr-3890	324	4	used	use	VERB
fsr-3890	324	5	in	in	ADP
fsr-3890	324	6	the	the	DET
fsr-3890	324	7	labeling	labeling	NOUN
fsr-3890	324	8	of	of	ADP
fsr-3890	324	9	the	the	DET
fsr-3890	324	10	factors	factor	NOUN
fsr-3890	324	11	,	,	PUNCT
fsr-3890	324	12	with	with	ADP
fsr-3890	324	13	the	the	DET
fsr-3890	324	14	exception	exception	NOUN
fsr-3890	324	15	of	of	ADP
fsr-3890	324	16	item	item	NOUN
fsr-3890	324	17	two	two	NUM
fsr-3890	324	18	that	that	PRON
fsr-3890	324	19	was	be	AUX
fsr-3890	324	20	included	include	VERB
fsr-3890	324	21	although	although	SCONJ
fsr-3890	324	22	the	the	DET
fsr-3890	324	23	loading	loading	NOUN
fsr-3890	324	24	equaled	equal	VERB
fsr-3890	324	25	0.4442	0.4442	NUM
fsr-3890	324	26	.	.	PUNCT
fsr-3890	325	1	excluding	exclude	VERB
fsr-3890	325	2	this	this	DET
fsr-3890	325	3	item	item	NOUN
fsr-3890	325	4	significantly	significantly	ADV
fsr-3890	325	5	reduced	reduce	VERB
fsr-3890	325	6	the	the	DET
fsr-3890	325	7	cronbach	cronbach	NOUN
fsr-3890	325	8	’s	’s	PART
fsr-3890	325	9	coefficient	coefficient	NOUN
fsr-3890	325	10	alpha	alpha	NOUN
fsr-3890	325	11	reliability	reliability	NOUN
fsr-3890	325	12	measure	measure	NOUN
fsr-3890	325	13	for	for	ADP
fsr-3890	325	14	the	the	DET
fsr-3890	325	15	factor	factor	NOUN
fsr-3890	325	16	(	(	PUNCT
fsr-3890	325	17	from	from	ADP
fsr-3890	325	18	0.4425–0.3027	0.4425–0.3027	NUM
fsr-3890	325	19	)	)	PUNCT
fsr-3890	325	20	,	,	PUNCT
fsr-3890	325	21	as	as	ADV
fsr-3890	325	22	well	well	ADV
fsr-3890	325	23	as	as	ADP
fsr-3890	325	24	for	for	ADP
fsr-3890	325	25	the	the	DET
fsr-3890	325	26	index	index	NOUN
fsr-3890	325	27	(	(	PUNCT
fsr-3890	325	28	from	from	ADP
fsr-3890	325	29	0.7507–0.7274	0.7507–0.7274	NOUN
fsr-3890	325	30	)	)	PUNCT
fsr-3890	325	31	.	.	PUNCT
fsr-3890	326	1	the	the	DET
fsr-3890	326	2	resulting	result	VERB
fsr-3890	326	3	three	three	NUM
fsr-3890	326	4	-	-	PUNCT
fsr-3890	326	5	factor	factor	NOUN
fsr-3890	326	6	solution	solution	NOUN
fsr-3890	326	7	consisted	consist	VERB
fsr-3890	326	8	of	of	ADP
fsr-3890	326	9	13	13	NUM
fsr-3890	326	10	items	item	NOUN
fsr-3890	326	11	.	.	PUNCT
fsr-3890	327	1	consequently	consequently	ADV
fsr-3890	327	2	,	,	PUNCT
fsr-3890	327	3	seven	seven	NUM
fsr-3890	327	4	items	item	NOUN
fsr-3890	327	5	(	(	PUNCT
fsr-3890	327	6	numbers	number	NOUN
fsr-3890	327	7	four	four	NUM
fsr-3890	327	8	,	,	PUNCT
fsr-3890	327	9	seven	seven	NUM
fsr-3890	327	10	,	,	PUNCT
fsr-3890	327	11	nine	nine	NUM
fsr-3890	327	12	,	,	PUNCT
fsr-3890	327	13	10	10	NUM
fsr-3890	327	14	,	,	PUNCT
fsr-3890	327	15	11	11	NUM
fsr-3890	327	16	,	,	PUNCT
fsr-3890	327	17	13	13	NUM
fsr-3890	327	18	and	and	CCONJ
fsr-3890	327	19	15	15	NUM
fsr-3890	327	20	)	)	PUNCT
fsr-3890	327	21	were	be	AUX
fsr-3890	327	22	omitted	omit	VERB
fsr-3890	327	23	from	from	ADP
fsr-3890	327	24	the	the	DET
fsr-3890	327	25	instrument	instrument	NOUN
fsr-3890	327	26	because	because	SCONJ
fsr-3890	327	27	they	they	PRON
fsr-3890	327	28	lacked	lack	VERB
fsr-3890	327	29	sufficient	sufficient	ADJ
fsr-3890	327	30	loadings	loading	NOUN
fsr-3890	327	31	to	to	PART
fsr-3890	327	32	support	support	VERB
fsr-3890	327	33	the	the	DET
fsr-3890	327	34	internal	internal	ADJ
fsr-3890	327	35	consistency	consistency	NOUN
fsr-3890	327	36	of	of	ADP
fsr-3890	327	37	the	the	DET
fsr-3890	327	38	factors	factor	NOUN
fsr-3890	327	39	.	.	PUNCT
fsr-3890	328	1	as	as	SCONJ
fsr-3890	328	2	noted	note	VERB
fsr-3890	328	3	earlier	early	ADV
fsr-3890	328	4	,	,	PUNCT
fsr-3890	328	5	other	other	ADJ
fsr-3890	328	6	researchers	researcher	NOUN
fsr-3890	328	7	have	have	AUX
fsr-3890	328	8	recommended	recommend	VERB
fsr-3890	328	9	that	that	SCONJ
fsr-3890	328	10	a	a	DET
fsr-3890	328	11	risk	risk	NOUN
fsr-3890	328	12	-	-	PUNCT
fsr-3890	328	13	tolerance	tolerance	NOUN
fsr-3890	328	14	assessment	assessment	NOUN
fsr-3890	328	15	index	index	NOUN
fsr-3890	328	16	must	must	AUX
fsr-3890	328	17	produce	produce	VERB
fsr-3890	328	18	a	a	DET
fsr-3890	328	19	reliability	reliability	NOUN
fsr-3890	328	20	coefficient	coefficient	NOUN
fsr-3890	328	21	in	in	ADP
fsr-3890	328	22	the	the	DET
fsr-3890	328	23	range	range	NOUN
fsr-3890	328	24	of	of	ADP
fsr-3890	328	25	0.5	0.5	NUM
fsr-3890	328	26	to	to	PART
fsr-3890	328	27	0.8	0.8	NUM
fsr-3890	328	28	to	to	PART
fsr-3890	328	29	insure	insure	VERB
fsr-3890	328	30	consistency	consistency	NOUN
fsr-3890	328	31	(	(	PUNCT
fsr-3890	328	32	e.g.	e.g.	ADV
fsr-3890	328	33	,	,	PUNCT
fsr-3890	328	34	henerson	henerson	NOUN
fsr-3890	328	35	et	et	PROPN
fsr-3890	328	36	al	al	PROPN
fsr-3890	328	37	.	.	PROPN
fsr-3890	328	38	,	,	PUNCT
fsr-3890	328	39	1987	1987	NUM
fsr-3890	328	40	;	;	PUNCT
fsr-3890	328	41	isaac	isaac	PROPN
fsr-3890	328	42	and	and	CCONJ
fsr-3890	328	43	michael	michael	PROPN
fsr-3890	328	44	,	,	PUNCT
fsr-3890	328	45	1995	1995	NUM
fsr-3890	328	46	;	;	PUNCT
fsr-3890	328	47	maccrimmon	maccrimmon	NOUN
fsr-3890	328	48	and	and	CCONJ
fsr-3890	328	49	wehrung	wehrung	PROPN
fsr-3890	328	50	,	,	PUNCT
fsr-3890	328	51	1985	1985	NUM
fsr-3890	328	52	;	;	PUNCT
fsr-3890	328	53	pedhazur	pedhazur	NOUN
fsr-3890	328	54	,	,	PUNCT
fsr-3890	328	55	1982	1982	NUM
fsr-3890	328	56	)	)	PUNCT
fsr-3890	328	57	.	.	PUNCT
fsr-3890	329	1	the	the	DET
fsr-3890	329	2	cronbach	cronbach	NOUN
fsr-3890	329	3	’s	’s	PART
fsr-3890	329	4	coefficient	coefficient	NOUN
fsr-3890	329	5	alpha	alpha	NOUN
fsr-3890	329	6	reliability	reliability	NOUN
fsr-3890	329	7	measure	measure	NOUN
fsr-3890	329	8	of	of	ADP
fsr-3890	329	9	0.7507	0.7507	NUM
fsr-3890	329	10	for	for	ADP
fsr-3890	329	11	the	the	DET
fsr-3890	329	12	instrument	instrument	NOUN
fsr-3890	329	13	falls	fall	VERB
fsr-3890	329	14	within	within	ADP
fsr-3890	329	15	the	the	DET
fsr-3890	329	16	upper	upper	ADJ
fsr-3890	329	17	end	end	NOUN
fsr-3890	329	18	of	of	ADP
fsr-3890	329	19	this	this	DET
fsr-3890	329	20	range	range	NOUN
fsr-3890	329	21	.	.	PUNCT
fsr-3890	330	1	reliability	reliability	NOUN
fsr-3890	330	2	estimates	estimate	NOUN
fsr-3890	330	3	for	for	ADP
fsr-3890	330	4	the	the	DET
fsr-3890	330	5	three	three	NUM
fsr-3890	330	6	factors	factor	NOUN
fsr-3890	330	7	,	,	PUNCT
fsr-3890	330	8	as	as	SCONJ
fsr-3890	330	9	shown	show	VERB
fsr-3890	330	10	in	in	ADP
fsr-3890	330	11	table	table	NOUN
fsr-3890	330	12	4	4	NUM
fsr-3890	330	13	,	,	PUNCT
fsr-3890	330	14	are	be	AUX
fsr-3890	330	15	not	not	PART
fsr-3890	330	16	as	as	ADV
fsr-3890	330	17	strong	strong	ADJ
fsr-3890	330	18	.	.	PUNCT
fsr-3890	331	1	however	however	ADV
fsr-3890	331	2	,	,	PUNCT
fsr-3890	331	3	the	the	DET
fsr-3890	331	4	underlying	underlie	VERB
fsr-3890	331	5	factors	factor	NOUN
fsr-3890	331	6	were	be	AUX
fsr-3890	331	7	not	not	PART
fsr-3890	331	8	intended	intend	VERB
fsr-3890	331	9	to	to	PART
fsr-3890	331	10	be	be	AUX
fsr-3890	331	11	used	use	VERB
fsr-3890	331	12	as	as	ADP
fsr-3890	331	13	distinct	distinct	ADJ
fsr-3890	331	14	measures	measure	NOUN
fsr-3890	331	15	.	.	PUNCT
fsr-3890	332	1	this	this	DET
fsr-3890	332	2	analysis	analysis	NOUN
fsr-3890	332	3	was	be	AUX
fsr-3890	332	4	done	do	VERB
fsr-3890	332	5	to	to	PART
fsr-3890	332	6	demonstrate	demonstrate	VERB
fsr-3890	332	7	the	the	DET
fsr-3890	332	8	multidimensionality	multidimensionality	NOUN
fsr-3890	332	9	of	of	ADP
fsr-3890	332	10	the	the	DET
fsr-3890	332	11	instrument	instrument	NOUN
fsr-3890	332	12	.	.	PUNCT
fsr-3890	333	1	results	result	NOUN
fsr-3890	333	2	from	from	ADP
fsr-3890	333	3	the	the	DET
fsr-3890	333	4	factor	factor	NOUN
fsr-3890	333	5	analysis	analysis	NOUN
fsr-3890	333	6	suggest	suggest	VERB
fsr-3890	333	7	that	that	SCONJ
fsr-3890	333	8	the	the	DET
fsr-3890	333	9	13	13	NUM
fsr-3890	333	10	-	-	PUNCT
fsr-3890	333	11	item	item	NOUN
fsr-3890	333	12	instrument	instrument	NOUN
fsr-3890	333	13	measured	measure	VERB
fsr-3890	333	14	financial	financial	ADJ
fsr-3890	333	15	risk	risk	NOUN
fsr-3890	333	16	tolerance	tolerance	NOUN
fsr-3890	333	17	on	on	ADP
fsr-3890	333	18	three	three	NUM
fsr-3890	333	19	constructs	construct	NOUN
fsr-3890	333	20	:	:	PUNCT
fsr-3890	333	21	1	1	NUM
fsr-3890	333	22	)	)	PUNCT
fsr-3890	333	23	investment	investment	NOUN
fsr-3890	333	24	risk	risk	NOUN
fsr-3890	333	25	,	,	PUNCT
fsr-3890	333	26	2	2	X
fsr-3890	333	27	)	)	PUNCT
fsr-3890	333	28	risk	risk	NOUN
fsr-3890	333	29	comfort	comfort	NOUN
fsr-3890	333	30	and	and	CCONJ
fsr-3890	333	31	experience	experience	NOUN
fsr-3890	333	32	,	,	PUNCT
fsr-3890	333	33	and	and	CCONJ
fsr-3890	333	34	3	3	X
fsr-3890	333	35	)	)	PUNCT
fsr-3890	333	36	speculative	speculative	ADJ
fsr-3890	333	37	risk	risk	NOUN
fsr-3890	333	38	.	.	PUNCT
fsr-3890	334	1	these	these	PRON
fsr-3890	334	2	,	,	PUNCT
fsr-3890	334	3	in	in	ADP
fsr-3890	334	4	turn	turn	NOUN
fsr-3890	334	5	,	,	PUNCT
fsr-3890	334	6	encompassed	encompass	VERB
fsr-3890	334	7	all	all	PRON
fsr-3890	334	8	of	of	ADP
fsr-3890	334	9	the	the	DET
fsr-3890	334	10	assumed	assume	VERB
fsr-3890	334	11	dimensions	dimension	NOUN
fsr-3890	334	12	as	as	SCONJ
fsr-3890	334	13	reported	report	VERB
fsr-3890	334	14	in	in	ADP
fsr-3890	334	15	table	table	NOUN
fsr-3890	334	16	2	2	NUM
fsr-3890	334	17	.	.	PUNCT
fsr-3890	335	1	as	as	ADP
fsr-3890	335	2	such	such	ADJ
fsr-3890	335	3	,	,	PUNCT
fsr-3890	335	4	it	it	PRON
fsr-3890	335	5	was	be	AUX
fsr-3890	335	6	concluded	conclude	VERB
fsr-3890	335	7	that	that	SCONJ
fsr-3890	335	8	the	the	DET
fsr-3890	335	9	13	13	NUM
fsr-3890	335	10	-	-	PUNCT
fsr-3890	335	11	item	item	NOUN
fsr-3890	335	12	instrument	instrument	NOUN
fsr-3890	335	13	offers	offer	VERB
fsr-3890	335	14	a	a	DET
fsr-3890	335	15	strong	strong	ADJ
fsr-3890	335	16	degree	degree	NOUN
fsr-3890	335	17	of	of	ADP
fsr-3890	335	18	multidimensionality	multidimensionality	NOUN
fsr-3890	335	19	in	in	ADP
fsr-3890	335	20	the	the	DET
fsr-3890	335	21	measurement	measurement	NOUN
fsr-3890	335	22	of	of	ADP
fsr-3890	335	23	financial	financial	ADJ
fsr-3890	335	24	risk	risk	NOUN
fsr-3890	335	25	tolerance	tolerance	NOUN
fsr-3890	335	26	.	.	PUNCT
fsr-3890	336	1	specifically	specifically	ADV
fsr-3890	336	2	,	,	PUNCT
fsr-3890	336	3	the	the	DET
fsr-3890	336	4	13	13	NUM
fsr-3890	336	5	items	item	NOUN
fsr-3890	336	6	,	,	PUNCT
fsr-3890	336	7	when	when	SCONJ
fsr-3890	336	8	combined	combine	VERB
fsr-3890	336	9	into	into	ADP
fsr-3890	336	10	one	one	NUM
fsr-3890	336	11	instrument	instrument	NOUN
fsr-3890	336	12	work	work	NOUN
fsr-3890	336	13	together	together	ADV
fsr-3890	336	14	in	in	ADP
fsr-3890	336	15	the	the	DET
fsr-3890	336	16	assessment	assessment	NOUN
fsr-3890	336	17	of	of	ADP
fsr-3890	336	18	1	1	NUM
fsr-3890	336	19	)	)	PUNCT
fsr-3890	336	20	the	the	DET
fsr-3890	336	21	probability	probability	NOUN
fsr-3890	336	22	of	of	ADP
fsr-3890	336	23	gains	gain	NOUN
fsr-3890	336	24	;	;	PUNCT
fsr-3890	336	25	2	2	X
fsr-3890	336	26	)	)	PUNCT
fsr-3890	336	27	the	the	DET
fsr-3890	336	28	probability	probability	NOUN
fsr-3890	336	29	of	of	ADP
fsr-3890	336	30	losses	loss	NOUN
fsr-3890	336	31	;	;	PUNCT
fsr-3890	336	32	3	3	X
fsr-3890	336	33	)	)	PUNCT
fsr-3890	336	34	the	the	DET
fsr-3890	336	35	dollar	dollar	NOUN
fsr-3890	336	36	amount	amount	NOUN
fsr-3890	336	37	of	of	ADP
fsr-3890	336	38	potential	potential	ADJ
fsr-3890	336	39	gains	gain	NOUN
fsr-3890	336	40	;	;	PUNCT
fsr-3890	336	41	4	4	X
fsr-3890	336	42	)	)	PUNCT
fsr-3890	336	43	table	table	NOUN
fsr-3890	336	44	4	4	NUM
fsr-3890	336	45	.	.	PUNCT
fsr-3890	336	46	factor	factor	NOUN
fsr-3890	336	47	loadings	loading	NOUN
fsr-3890	336	48	for	for	ADP
fsr-3890	336	49	three	three	NUM
fsr-3890	336	50	-	-	PUNCT
fsr-3890	336	51	factor	factor	NOUN
fsr-3890	336	52	principal	principal	ADJ
fsr-3890	336	53	components	component	NOUN
fsr-3890	336	54	solutiona	solutiona	PROPN
fsr-3890	336	55	factor	factor	NOUN
fsr-3890	336	56	1	1	NUM
fsr-3890	336	57	factor	factor	NOUN
fsr-3890	336	58	2	2	NUM
fsr-3890	336	59	factor	factor	NOUN
fsr-3890	336	60	3	3	NUM
fsr-3890	336	61	factor	factor	NOUN
fsr-3890	336	62	1	1	NUM
fsr-3890	336	63	.	.	PUNCT
fsr-3890	336	64	investment	investment	NOUN
fsr-3890	336	65	risk	risk	NOUN
fsr-3890	336	66	(	(	PUNCT
fsr-3890	336	67	a	a	DET
fsr-3890	336	68	5	5	NUM
fsr-3890	336	69	.720	.720	NUM
fsr-3890	336	70	)	)	PUNCT
fsr-3890	336	71	item	item	NOUN
fsr-3890	336	72	5	5	NUM
fsr-3890	336	73	.744	.744	NUM
fsr-3890	336	74	.193	.193	NUM
fsr-3890	336	75	0.162	0.162	NUM
fsr-3890	336	76	item	item	NOUN
fsr-3890	336	77	6	6	NUM
fsr-3890	336	78	.635	.635	NUM
fsr-3890	336	79	.095	.095	NUM
fsr-3890	336	80	0.027	0.027	NUM
fsr-3890	336	81	item	item	NOUN
fsr-3890	336	82	19	19	NUM
fsr-3890	336	83	.604	.604	NUM
fsr-3890	336	84	.268	.268	NUM
fsr-3890	336	85	0.192	0.192	NUM
fsr-3890	336	86	item	item	NOUN
fsr-3890	336	87	18	18	NUM
fsr-3890	336	88	.472	.472	NUM
fsr-3890	336	89	.228	.228	NUM
fsr-3890	336	90	0.141	0.141	NUM
fsr-3890	336	91	item	item	NOUN
fsr-3890	336	92	14	14	NUM
fsr-3890	336	93	.465	.465	NUM
fsr-3890	336	94	.401	.401	NUM
fsr-3890	336	95	0.211	0.211	NUM
fsr-3890	336	96	factor	factor	NOUN
fsr-3890	336	97	2	2	NUM
fsr-3890	336	98	.	.	PUNCT
fsr-3890	336	99	risk	risk	NOUN
fsr-3890	336	100	comfort	comfort	NOUN
fsr-3890	336	101	&	&	CCONJ
fsr-3890	336	102	experience	experience	PROPN
fsr-3890	336	103	(	(	PUNCT
fsr-3890	336	104	a	a	DET
fsr-3890	336	105	5	5	NUM
fsr-3890	336	106	.502	.502	NUM
fsr-3890	336	107	)	)	PUNCT
fsr-3890	336	108	item	item	NOUN
fsr-3890	336	109	1	1	NUM
fsr-3890	336	110	.177	.177	NUM
fsr-3890	336	111	.590	.590	NUM
fsr-3890	336	112	0.210	0.210	NUM
fsr-3890	336	113	item	item	NOUN
fsr-3890	336	114	8	8	NUM
fsr-3890	336	115	.142	.142	NUM
fsr-3890	336	116	.528	.528	NUM
fsr-3890	336	117	0.096	0.096	NUM
fsr-3890	336	118	item	item	NOUN
fsr-3890	336	119	12	12	NUM
fsr-3890	336	120	.132	.132	NUM
fsr-3890	336	121	.503	.503	NUM
fsr-3890	337	1	20.340	20.340	NUM
fsr-3890	337	2	item	item	NOUN
fsr-3890	337	3	20	20	NUM
fsr-3890	337	4	.151	.151	NUM
fsr-3890	337	5	.492	.492	NUM
fsr-3890	337	6	0.129	0.129	NUM
fsr-3890	337	7	item	item	NOUN
fsr-3890	337	8	3	3	NUM
fsr-3890	337	9	2.101	2.101	NUM
fsr-3890	337	10	.459	.459	NUM
fsr-3890	337	11	0.387	0.387	NUM
fsr-3890	337	12	factor	factor	NOUN
fsr-3890	337	13	3	3	NUM
fsr-3890	337	14	.	.	NOUN
fsr-3890	337	15	speculative	speculative	ADJ
fsr-3890	337	16	risk	risk	NOUN
fsr-3890	337	17	(	(	PUNCT
fsr-3890	337	18	a	a	DET
fsr-3890	337	19	5	5	NUM
fsr-3890	337	20	.443	.443	NUM
fsr-3890	337	21	)	)	PUNCT
fsr-3890	337	22	item	item	NOUN
fsr-3890	337	23	16	16	NUM
fsr-3890	337	24	.016	.016	NUM
fsr-3890	337	25	.234	.234	NUM
fsr-3890	337	26	0.587	0.587	NUM
fsr-3890	337	27	item	item	NOUN
fsr-3890	337	28	17	17	NUM
fsr-3890	337	29	.134	.134	NUM
fsr-3890	337	30	.004	.004	NUM
fsr-3890	337	31	0.577	0.577	NUM
fsr-3890	337	32	item	item	NOUN
fsr-3890	337	33	2	2	NUM
fsr-3890	337	34	.316	.316	NUM
fsr-3890	337	35	.237	.237	NUM
fsr-3890	337	36	0.444	0.444	NUM
fsr-3890	337	37	a	a	DET
fsr-3890	337	38	total	total	ADJ
fsr-3890	337	39	instrumenta	instrumenta	NOUN
fsr-3890	337	40	5	5	NUM
fsr-3890	337	41	0.7507	0.7507	NUM
fsr-3890	337	42	.	.	PUNCT
fsr-3890	338	1	177j	177j	PROPN
fsr-3890	338	2	.	.	PUNCT
fsr-3890	339	1	grable	grable	PROPN
fsr-3890	339	2	,	,	PUNCT
fsr-3890	339	3	r.h	r.h	PROPN
fsr-3890	339	4	.	.	PROPN
fsr-3890	339	5	lytton	lytton	PROPN
fsr-3890	339	6	/	/	SYM
fsr-3890	339	7	financial	financial	ADJ
fsr-3890	339	8	services	service	NOUN
fsr-3890	339	9	review	review	VERB
fsr-3890	339	10	8	8	NUM
fsr-3890	339	11	(	(	PUNCT
fsr-3890	339	12	1999	1999	NUM
fsr-3890	339	13	)	)	PUNCT
fsr-3890	339	14	163–181	163–181	NUM
fsr-3890	339	15	the	the	DET
fsr-3890	339	16	potential	potential	ADJ
fsr-3890	339	17	dollar	dollar	NOUN
fsr-3890	339	18	loss	loss	NOUN
fsr-3890	339	19	through	through	ADP
fsr-3890	339	20	the	the	DET
fsr-3890	339	21	assessment	assessment	NOUN
fsr-3890	339	22	of	of	ADP
fsr-3890	339	23	guaranteed	guarantee	VERB
fsr-3890	339	24	versus	versus	ADP
fsr-3890	339	25	probable	probable	ADJ
fsr-3890	339	26	gambles	gamble	NOUN
fsr-3890	339	27	;	;	PUNCT
fsr-3890	339	28	5	5	X
fsr-3890	339	29	)	)	PUNCT
fsr-3890	339	30	minimum	minimum	ADJ
fsr-3890	339	31	probability	probability	NOUN
fsr-3890	339	32	of	of	ADP
fsr-3890	339	33	success	success	NOUN
fsr-3890	339	34	given	give	VERB
fsr-3890	339	35	a	a	DET
fsr-3890	339	36	risky	risky	ADJ
fsr-3890	339	37	course	course	NOUN
fsr-3890	339	38	of	of	ADP
fsr-3890	339	39	action	action	NOUN
fsr-3890	339	40	;	;	PUNCT
fsr-3890	339	41	and	and	CCONJ
fsr-3890	339	42	6	6	X
fsr-3890	339	43	)	)	PUNCT
fsr-3890	339	44	minimum	minimum	ADJ
fsr-3890	339	45	returns	return	NOUN
fsr-3890	339	46	given	give	VERB
fsr-3890	339	47	a	a	DET
fsr-3890	339	48	risky	risky	ADJ
fsr-3890	339	49	course	course	NOUN
fsr-3890	339	50	of	of	ADP
fsr-3890	339	51	action	action	NOUN
fsr-3890	339	52	.	.	PUNCT
fsr-3890	340	1	these	these	DET
fsr-3890	340	2	situations	situation	NOUN
fsr-3890	340	3	are	be	AUX
fsr-3890	340	4	accounted	account	VERB
fsr-3890	340	5	for	for	ADP
fsr-3890	340	6	by	by	ADP
fsr-3890	340	7	the	the	DET
fsr-3890	340	8	inclusion	inclusion	NOUN
fsr-3890	340	9	of	of	ADP
fsr-3890	340	10	assessment	assessment	NOUN
fsr-3890	340	11	items	item	NOUN
fsr-3890	340	12	that	that	PRON
fsr-3890	340	13	measure	measure	VERB
fsr-3890	340	14	choices	choice	NOUN
fsr-3890	340	15	and	and	CCONJ
fsr-3890	340	16	tolerances	tolerance	NOUN
fsr-3890	340	17	for	for	ADP
fsr-3890	340	18	guaranteed	guarantee	VERB
fsr-3890	340	19	versus	versus	ADP
fsr-3890	340	20	probable	probable	ADJ
fsr-3890	340	21	gambles	gamble	NOUN
fsr-3890	340	22	,	,	PUNCT
fsr-3890	340	23	prospect	prospect	NOUN
fsr-3890	340	24	theory	theory	NOUN
fsr-3890	340	25	dilemmas	dilemma	NOUN
fsr-3890	340	26	,	,	PUNCT
fsr-3890	340	27	and	and	CCONJ
fsr-3890	340	28	potential	potential	ADJ
fsr-3890	340	29	versus	versus	ADP
fsr-3890	340	30	probable	probable	ADJ
fsr-3890	340	31	gains	gain	NOUN
fsr-3890	340	32	and	and	CCONJ
fsr-3890	340	33	losses	loss	NOUN
fsr-3890	340	34	.	.	PUNCT
fsr-3890	341	1	3.4	3.4	NUM
fsr-3890	341	2	.	.	PUNCT
fsr-3890	341	3	validity	validity	NOUN
fsr-3890	341	4	issues	issue	VERB
fsr-3890	341	5	the	the	DET
fsr-3890	341	6	final	final	ADJ
fsr-3890	341	7	step	step	NOUN
fsr-3890	341	8	in	in	ADP
fsr-3890	341	9	the	the	DET
fsr-3890	341	10	development	development	NOUN
fsr-3890	341	11	of	of	ADP
fsr-3890	341	12	the	the	DET
fsr-3890	341	13	resulting	result	VERB
fsr-3890	341	14	13	13	NUM
fsr-3890	341	15	-	-	PUNCT
fsr-3890	341	16	item	item	NOUN
fsr-3890	341	17	parsimonious	parsimonious	ADJ
fsr-3890	341	18	risk	risk	NOUN
fsr-3890	341	19	-	-	PUNCT
fsr-3890	341	20	tolerance	tolerance	NOUN
fsr-3890	341	21	assessment	assessment	NOUN
fsr-3890	341	22	instrument	instrument	NOUN
fsr-3890	341	23	involved	involve	VERB
fsr-3890	341	24	a	a	DET
fsr-3890	341	25	test	test	NOUN
fsr-3890	341	26	of	of	ADP
fsr-3890	341	27	validity	validity	NOUN
fsr-3890	341	28	.	.	PUNCT
fsr-3890	342	1	this	this	DET
fsr-3890	342	2	test	test	NOUN
fsr-3890	342	3	was	be	AUX
fsr-3890	342	4	conducted	conduct	VERB
fsr-3890	342	5	by	by	ADP
fsr-3890	342	6	analyzing	analyze	VERB
fsr-3890	342	7	the	the	DET
fsr-3890	342	8	instrument	instrument	NOUN
fsr-3890	342	9	’s	’s	PART
fsr-3890	342	10	construct	construct	NOUN
fsr-3890	342	11	validity	validity	NOUN
fsr-3890	342	12	,	,	PUNCT
fsr-3890	342	13	which	which	PRON
fsr-3890	342	14	is	be	AUX
fsr-3890	342	15	defined	define	VERB
fsr-3890	342	16	as	as	ADP
fsr-3890	342	17	the	the	DET
fsr-3890	342	18	extent	extent	NOUN
fsr-3890	342	19	to	to	PART
fsr-3890	342	20	which	which	PRON
fsr-3890	342	21	one	one	PRON
fsr-3890	342	22	can	can	AUX
fsr-3890	342	23	be	be	AUX
fsr-3890	342	24	sure	sure	ADJ
fsr-3890	342	25	the	the	DET
fsr-3890	342	26	index	index	NOUN
fsr-3890	342	27	represents	represent	VERB
fsr-3890	342	28	financial	financial	ADJ
fsr-3890	342	29	risk	risk	NOUN
fsr-3890	342	30	tolerance	tolerance	NOUN
fsr-3890	342	31	(	(	PUNCT
fsr-3890	342	32	henerson	henerson	NOUN
fsr-3890	342	33	et	et	PROPN
fsr-3890	342	34	al	al	PROPN
fsr-3890	342	35	.	.	PROPN
fsr-3890	342	36	,	,	PUNCT
fsr-3890	342	37	1987	1987	NUM
fsr-3890	342	38	;	;	PUNCT
fsr-3890	342	39	litwin	litwin	PROPN
fsr-3890	342	40	,	,	PUNCT
fsr-3890	342	41	1995	1995	NUM
fsr-3890	342	42	;	;	PUNCT
fsr-3890	342	43	silva	silva	NOUN
fsr-3890	342	44	,	,	PUNCT
fsr-3890	342	45	1993	1993	NUM
fsr-3890	342	46	)	)	PUNCT
fsr-3890	342	47	.	.	PUNCT
fsr-3890	343	1	“	"	PUNCT
fsr-3890	343	2	demonstrating	demonstrate	VERB
fsr-3890	343	3	concurrent	concurrent	ADJ
fsr-3890	343	4	validity	validity	NOUN
fsr-3890	343	5	of	of	ADP
fsr-3890	343	6	an	an	DET
fsr-3890	343	7	instrument	instrument	NOUN
fsr-3890	343	8	provides	provide	VERB
fsr-3890	343	9	good	good	ADJ
fsr-3890	343	10	evidence	evidence	NOUN
fsr-3890	343	11	of	of	ADP
fsr-3890	343	12	its	its	PRON
fsr-3890	343	13	construct	construct	NOUN
fsr-3890	343	14	validity	validity	NOUN
fsr-3890	343	15	”	"	PUNCT
fsr-3890	343	16	(	(	PUNCT
fsr-3890	343	17	henerson	henerson	NOUN
fsr-3890	343	18	et	et	PROPN
fsr-3890	343	19	al	al	PROPN
fsr-3890	343	20	.	.	PROPN
fsr-3890	343	21	,	,	PUNCT
fsr-3890	343	22	1987	1987	NUM
fsr-3890	343	23	,	,	PUNCT
fsr-3890	343	24	p.	p.	NOUN
fsr-3890	343	25	143	143	NUM
fsr-3890	343	26	)	)	PUNCT
fsr-3890	343	27	.	.	PUNCT
fsr-3890	344	1	concurrent	concurrent	ADJ
fsr-3890	344	2	validity	validity	NOUN
fsr-3890	344	3	tests	test	VERB
fsr-3890	344	4	a	a	DET
fsr-3890	344	5	measure	measure	NOUN
fsr-3890	344	6	against	against	ADP
fsr-3890	344	7	another	another	DET
fsr-3890	344	8	measure	measure	NOUN
fsr-3890	344	9	that	that	PRON
fsr-3890	344	10	has	have	AUX
fsr-3890	344	11	proven	prove	VERB
fsr-3890	344	12	psychometric	psychometric	ADJ
fsr-3890	344	13	properties	property	NOUN
fsr-3890	344	14	.	.	PUNCT
fsr-3890	345	1	concurrent	concurrent	ADJ
fsr-3890	345	2	validity	validity	NOUN
fsr-3890	345	3	is	be	AUX
fsr-3890	345	4	calculated	calculate	VERB
fsr-3890	345	5	as	as	ADP
fsr-3890	345	6	a	a	DET
fsr-3890	345	7	correlation	correlation	NOUN
fsr-3890	345	8	coefficient	coefficient	NOUN
fsr-3890	345	9	(	(	PUNCT
fsr-3890	345	10	litwin	litwin	NOUN
fsr-3890	345	11	,	,	PUNCT
fsr-3890	345	12	1995	1995	NUM
fsr-3890	345	13	)	)	PUNCT
fsr-3890	345	14	.	.	PUNCT
fsr-3890	346	1	in	in	ADP
fsr-3890	346	2	addition	addition	NOUN
fsr-3890	346	3	to	to	ADP
fsr-3890	346	4	the	the	DET
fsr-3890	346	5	20	20	NUM
fsr-3890	346	6	items	item	NOUN
fsr-3890	346	7	in	in	ADP
fsr-3890	346	8	the	the	DET
fsr-3890	346	9	data	data	NOUN
fsr-3890	346	10	collection	collection	NOUN
fsr-3890	346	11	instrument	instrument	NOUN
fsr-3890	346	12	,	,	PUNCT
fsr-3890	346	13	respondents	respondent	NOUN
fsr-3890	346	14	were	be	AUX
fsr-3890	346	15	also	also	ADV
fsr-3890	346	16	asked	ask	VERB
fsr-3890	346	17	to	to	PART
fsr-3890	346	18	answer	answer	VERB
fsr-3890	346	19	a	a	DET
fsr-3890	346	20	risk	risk	NOUN
fsr-3890	346	21	-	-	PUNCT
fsr-3890	346	22	assessment	assessment	NOUN
fsr-3890	346	23	item	item	NOUN
fsr-3890	346	24	developed	develop	VERB
fsr-3890	346	25	by	by	ADP
fsr-3890	346	26	the	the	DET
fsr-3890	346	27	national	national	ADJ
fsr-3890	346	28	opinion	opinion	PROPN
fsr-3890	346	29	research	research	NOUN
fsr-3890	346	30	center	center	NOUN
fsr-3890	346	31	at	at	ADP
fsr-3890	346	32	the	the	DET
fsr-3890	346	33	university	university	NOUN
fsr-3890	346	34	of	of	ADP
fsr-3890	346	35	chicago	chicago	PROPN
fsr-3890	346	36	under	under	ADP
fsr-3890	346	37	the	the	DET
fsr-3890	346	38	sponsorship	sponsorship	NOUN
fsr-3890	346	39	of	of	ADP
fsr-3890	346	40	the	the	DET
fsr-3890	346	41	federal	federal	ADJ
fsr-3890	346	42	research	research	NOUN
fsr-3890	346	43	board	board	NOUN
fsr-3890	346	44	as	as	SCONJ
fsr-3890	346	45	originally	originally	ADV
fsr-3890	346	46	asked	ask	VERB
fsr-3890	346	47	in	in	ADP
fsr-3890	346	48	the	the	DET
fsr-3890	346	49	survey	survey	NOUN
fsr-3890	346	50	of	of	ADP
fsr-3890	346	51	consumer	consumer	NOUN
fsr-3890	346	52	finances	finance	NOUN
fsr-3890	346	53	(	(	PUNCT
fsr-3890	346	54	scf	scf	PROPN
fsr-3890	346	55	)	)	PUNCT
fsr-3890	346	56	.	.	PUNCT
fsr-3890	347	1	the	the	DET
fsr-3890	347	2	scf	scf	PROPN
fsr-3890	347	3	is	be	AUX
fsr-3890	347	4	used	use	VERB
fsr-3890	347	5	to	to	PART
fsr-3890	347	6	gather	gather	VERB
fsr-3890	347	7	data	datum	NOUN
fsr-3890	347	8	on	on	ADP
fsr-3890	347	9	assets	asset	NOUN
fsr-3890	347	10	,	,	PUNCT
fsr-3890	347	11	liabilities	liability	NOUN
fsr-3890	347	12	,	,	PUNCT
fsr-3890	347	13	financial	financial	ADJ
fsr-3890	347	14	attitudes	attitude	NOUN
fsr-3890	347	15	,	,	PUNCT
fsr-3890	347	16	and	and	CCONJ
fsr-3890	347	17	financial	financial	ADJ
fsr-3890	347	18	behaviors	behavior	NOUN
fsr-3890	347	19	of	of	ADP
fsr-3890	347	20	individuals	individual	NOUN
fsr-3890	347	21	and	and	CCONJ
fsr-3890	347	22	families	family	NOUN
fsr-3890	347	23	.	.	PUNCT
fsr-3890	348	1	the	the	DET
fsr-3890	348	2	scf	scf	PROPN
fsr-3890	348	3	questions	question	NOUN
fsr-3890	348	4	asks	ask	VERB
fsr-3890	348	5	:	:	PUNCT
fsr-3890	348	6	which	which	PRON
fsr-3890	348	7	of	of	ADP
fsr-3890	348	8	the	the	DET
fsr-3890	348	9	following	following	ADJ
fsr-3890	348	10	statements	statement	NOUN
fsr-3890	348	11	on	on	ADP
fsr-3890	348	12	this	this	DET
fsr-3890	348	13	page	page	NOUN
fsr-3890	348	14	comes	come	VERB
fsr-3890	348	15	closest	close	ADJ
fsr-3890	348	16	to	to	ADP
fsr-3890	348	17	the	the	DET
fsr-3890	348	18	amount	amount	NOUN
fsr-3890	348	19	of	of	ADP
fsr-3890	348	20	financial	financial	ADJ
fsr-3890	348	21	risk	risk	NOUN
fsr-3890	348	22	that	that	SCONJ
fsr-3890	348	23	you	you	PRON
fsr-3890	348	24	are	be	AUX
fsr-3890	348	25	willing	willing	ADJ
fsr-3890	348	26	to	to	PART
fsr-3890	348	27	take	take	VERB
fsr-3890	348	28	when	when	SCONJ
fsr-3890	348	29	you	you	PRON
fsr-3890	348	30	save	save	VERB
fsr-3890	348	31	or	or	CCONJ
fsr-3890	348	32	make	make	VERB
fsr-3890	348	33	investments	investment	NOUN
fsr-3890	348	34	?	?	PUNCT
fsr-3890	349	1	1	1	X
fsr-3890	349	2	.	.	X
fsr-3890	349	3	take	take	VERB
fsr-3890	349	4	substantial	substantial	ADJ
fsr-3890	349	5	financial	financial	ADJ
fsr-3890	349	6	risk	risk	NOUN
fsr-3890	349	7	expecting	expect	VERB
fsr-3890	349	8	to	to	PART
fsr-3890	349	9	earn	earn	VERB
fsr-3890	349	10	substantial	substantial	ADJ
fsr-3890	349	11	returns	return	NOUN
fsr-3890	349	12	2	2	NUM
fsr-3890	349	13	.	.	X
fsr-3890	349	14	take	take	VERB
fsr-3890	349	15	above	above	ADV
fsr-3890	349	16	average	average	ADJ
fsr-3890	349	17	financial	financial	ADJ
fsr-3890	349	18	risks	risk	NOUN
fsr-3890	349	19	expecting	expect	VERB
fsr-3890	349	20	to	to	PART
fsr-3890	349	21	earn	earn	VERB
fsr-3890	349	22	above	above	ADV
fsr-3890	349	23	average	average	ADJ
fsr-3890	349	24	returns	return	NOUN
fsr-3890	349	25	3	3	NUM
fsr-3890	349	26	.	.	X
fsr-3890	349	27	take	take	VERB
fsr-3890	349	28	average	average	ADJ
fsr-3890	349	29	financial	financial	ADJ
fsr-3890	349	30	risks	risk	NOUN
fsr-3890	349	31	expecting	expect	VERB
fsr-3890	349	32	to	to	PART
fsr-3890	349	33	earn	earn	VERB
fsr-3890	349	34	average	average	ADJ
fsr-3890	349	35	returns	return	NOUN
fsr-3890	349	36	4	4	NUM
fsr-3890	349	37	.	.	PUNCT
fsr-3890	349	38	not	not	PART
fsr-3890	349	39	willing	willing	ADJ
fsr-3890	349	40	to	to	PART
fsr-3890	349	41	take	take	VERB
fsr-3890	349	42	any	any	DET
fsr-3890	349	43	financial	financial	ADJ
fsr-3890	349	44	risks	risk	NOUN
fsr-3890	349	45	the	the	DET
fsr-3890	349	46	scf	scf	PROPN
fsr-3890	349	47	risk	risk	NOUN
fsr-3890	349	48	assessment	assessment	NOUN
fsr-3890	349	49	item	item	NOUN
fsr-3890	349	50	has	have	AUX
fsr-3890	349	51	been	be	AUX
fsr-3890	349	52	widely	widely	ADV
fsr-3890	349	53	used	use	VERB
fsr-3890	349	54	as	as	ADP
fsr-3890	349	55	a	a	DET
fsr-3890	349	56	proxy	proxy	NOUN
fsr-3890	349	57	for	for	ADP
fsr-3890	349	58	financial	financial	ADJ
fsr-3890	349	59	risk	risk	NOUN
fsr-3890	349	60	tolerance	tolerance	NOUN
fsr-3890	349	61	,	,	PUNCT
fsr-3890	349	62	although	although	SCONJ
fsr-3890	349	63	no	no	DET
fsr-3890	349	64	published	publish	VERB
fsr-3890	349	65	documentation	documentation	NOUN
fsr-3890	349	66	exists	exist	VERB
fsr-3890	349	67	to	to	PART
fsr-3890	349	68	substantiate	substantiate	VERB
fsr-3890	349	69	the	the	DET
fsr-3890	349	70	validity	validity	NOUN
fsr-3890	349	71	of	of	ADP
fsr-3890	349	72	this	this	DET
fsr-3890	349	73	item	item	NOUN
fsr-3890	349	74	.	.	PUNCT
fsr-3890	350	1	however	however	ADV
fsr-3890	350	2	,	,	PUNCT
fsr-3890	350	3	based	base	VERB
fsr-3890	350	4	on	on	ADP
fsr-3890	350	5	the	the	DET
fsr-3890	350	6	use	use	NOUN
fsr-3890	350	7	of	of	ADP
fsr-3890	350	8	the	the	DET
fsr-3890	350	9	item	item	NOUN
fsr-3890	350	10	in	in	ADP
fsr-3890	350	11	published	publish	VERB
fsr-3890	350	12	research	research	NOUN
fsr-3890	350	13	(	(	PUNCT
fsr-3890	350	14	e.g.	e.g.	ADV
fsr-3890	350	15	,	,	PUNCT
fsr-3890	350	16	chang	chang	PROPN
fsr-3890	350	17	,	,	PUNCT
fsr-3890	350	18	1994	1994	NUM
fsr-3890	350	19	;	;	PUNCT
fsr-3890	350	20	grable	grable	PROPN
fsr-3890	350	21	and	and	CCONJ
fsr-3890	350	22	lytton	lytton	PROPN
fsr-3890	350	23	,	,	PUNCT
fsr-3890	350	24	1998	1998	NUM
fsr-3890	350	25	;	;	PUNCT
fsr-3890	350	26	sung	sing	VERB
fsr-3890	350	27	and	and	CCONJ
fsr-3890	350	28	hanna	hanna	NOUN
fsr-3890	350	29	,	,	PUNCT
fsr-3890	350	30	1996	1996	NUM
fsr-3890	350	31	;	;	PUNCT
fsr-3890	350	32	yuh	yuh	PROPN
fsr-3890	350	33	and	and	CCONJ
fsr-3890	350	34	devaney	devaney	PROPN
fsr-3890	350	35	,	,	PUNCT
fsr-3890	350	36	1996	1996	NUM
fsr-3890	350	37	)	)	PUNCT
fsr-3890	350	38	,	,	PUNCT
fsr-3890	350	39	one	one	PRON
fsr-3890	350	40	can	can	AUX
fsr-3890	350	41	assume	assume	VERB
fsr-3890	350	42	at	at	ADP
fsr-3890	350	43	least	least	ADJ
fsr-3890	350	44	a	a	DET
fsr-3890	350	45	moderate	moderate	ADJ
fsr-3890	350	46	degree	degree	NOUN
fsr-3890	350	47	of	of	ADP
fsr-3890	350	48	item	item	NOUN
fsr-3890	350	49	validity	validity	NOUN
fsr-3890	350	50	.	.	PUNCT
fsr-3890	351	1	also	also	ADV
fsr-3890	351	2	,	,	PUNCT
fsr-3890	351	3	scores	score	NOUN
fsr-3890	351	4	on	on	ADP
fsr-3890	351	5	the	the	DET
fsr-3890	351	6	item	item	NOUN
fsr-3890	351	7	have	have	AUX
fsr-3890	351	8	been	be	AUX
fsr-3890	351	9	very	very	ADV
fsr-3890	351	10	consistent	consistent	ADJ
fsr-3890	351	11	over	over	ADP
fsr-3890	351	12	time	time	NOUN
fsr-3890	351	13	,	,	PUNCT
fsr-3890	351	14	suggesting	suggest	VERB
fsr-3890	351	15	a	a	DET
fsr-3890	351	16	high	high	ADJ
fsr-3890	351	17	level	level	NOUN
fsr-3890	351	18	of	of	ADP
fsr-3890	351	19	reliability	reliability	NOUN
fsr-3890	351	20	.	.	PUNCT
fsr-3890	352	1	correlation	correlation	NOUN
fsr-3890	352	2	analysis	analysis	NOUN
fsr-3890	352	3	between	between	ADP
fsr-3890	352	4	the	the	DET
fsr-3890	352	5	scf	scf	PROPN
fsr-3890	352	6	item	item	NOUN
fsr-3890	352	7	and	and	CCONJ
fsr-3890	352	8	the	the	DET
fsr-3890	352	9	index	index	NOUN
fsr-3890	352	10	scores	score	NOUN
fsr-3890	352	11	derived	derive	VERB
fsr-3890	352	12	from	from	ADP
fsr-3890	352	13	the	the	DET
fsr-3890	352	14	13	13	NUM
fsr-3890	352	15	-	-	PUNCT
fsr-3890	352	16	item	item	NOUN
fsr-3890	352	17	instrument	instrument	NOUN
fsr-3890	352	18	yielded	yield	VERB
fsr-3890	352	19	a	a	DET
fsr-3890	352	20	coefficient	coefficient	NOUN
fsr-3890	352	21	of	of	ADP
fsr-3890	352	22	0.5383	0.5383	NUM
fsr-3890	352	23	.	.	PUNCT
fsr-3890	353	1	it	it	PRON
fsr-3890	353	2	was	be	AUX
fsr-3890	353	3	determined	determine	VERB
fsr-3890	353	4	that	that	SCONJ
fsr-3890	353	5	a	a	DET
fsr-3890	353	6	single	single	ADJ
fsr-3890	353	7	item	item	NOUN
fsr-3890	353	8	,	,	PUNCT
fsr-3890	353	9	like	like	ADP
fsr-3890	353	10	that	that	PRON
fsr-3890	353	11	of	of	ADP
fsr-3890	353	12	the	the	DET
fsr-3890	353	13	scf	scf	PROPN
fsr-3890	353	14	,	,	PUNCT
fsr-3890	353	15	is	be	AUX
fsr-3890	353	16	not	not	PART
fsr-3890	353	17	able	able	ADJ
fsr-3890	353	18	to	to	PART
fsr-3890	353	19	measure	measure	VERB
fsr-3890	353	20	wide	wide	ADJ
fsr-3890	353	21	variations	variation	NOUN
fsr-3890	353	22	within	within	ADP
fsr-3890	353	23	the	the	DET
fsr-3890	353	24	overall	overall	ADJ
fsr-3890	353	25	dimension	dimension	NOUN
fsr-3890	353	26	of	of	ADP
fsr-3890	353	27	financial	financial	ADJ
fsr-3890	353	28	risk	risk	NOUN
fsr-3890	353	29	tolerance	tolerance	NOUN
fsr-3890	353	30	.	.	PUNCT
fsr-3890	354	1	thus	thus	ADV
fsr-3890	354	2	,	,	PUNCT
fsr-3890	354	3	it	it	PRON
fsr-3890	354	4	is	be	AUX
fsr-3890	354	5	not	not	PART
fsr-3890	354	6	surprising	surprising	ADJ
fsr-3890	354	7	that	that	SCONJ
fsr-3890	354	8	the	the	DET
fsr-3890	354	9	coefficient	coefficient	NOUN
fsr-3890	354	10	was	be	AUX
fsr-3890	354	11	moderate	moderate	ADJ
fsr-3890	354	12	.	.	PUNCT
fsr-3890	355	1	the	the	DET
fsr-3890	355	2	positive	positive	ADJ
fsr-3890	355	3	correlation	correlation	NOUN
fsr-3890	355	4	indicates	indicate	VERB
fsr-3890	355	5	that	that	SCONJ
fsr-3890	355	6	although	although	SCONJ
fsr-3890	355	7	both	both	PRON
fsr-3890	355	8	are	be	AUX
fsr-3890	355	9	measuring	measure	VERB
fsr-3890	355	10	risk	risk	NOUN
fsr-3890	355	11	tolerance	tolerance	NOUN
fsr-3890	355	12	similarly	similarly	ADV
fsr-3890	355	13	,	,	PUNCT
fsr-3890	355	14	the	the	DET
fsr-3890	355	15	larger	large	ADJ
fsr-3890	355	16	13	13	NUM
fsr-3890	355	17	-	-	PUNCT
fsr-3890	355	18	item	item	NOUN
fsr-3890	355	19	index	index	NOUN
fsr-3890	355	20	appears	appear	VERB
fsr-3890	355	21	to	to	PART
fsr-3890	355	22	be	be	AUX
fsr-3890	355	23	measuring	measure	VERB
fsr-3890	355	24	multiple	multiple	ADJ
fsr-3890	355	25	dimensions	dimension	NOUN
fsr-3890	355	26	of	of	ADP
fsr-3890	355	27	financial	financial	ADJ
fsr-3890	355	28	risk	risk	NOUN
fsr-3890	355	29	tolerance	tolerance	NOUN
fsr-3890	355	30	that	that	PRON
fsr-3890	355	31	are	be	AUX
fsr-3890	355	32	not	not	PART
fsr-3890	355	33	accounted	account	VERB
fsr-3890	355	34	for	for	ADP
fsr-3890	355	35	in	in	ADP
fsr-3890	355	36	the	the	DET
fsr-3890	355	37	scf	scf	PROPN
fsr-3890	355	38	item	item	NOUN
fsr-3890	355	39	.	.	PUNCT
fsr-3890	356	1	in	in	ADP
fsr-3890	356	2	summary	summary	NOUN
fsr-3890	356	3	,	,	PUNCT
fsr-3890	356	4	the	the	DET
fsr-3890	356	5	13	13	NUM
fsr-3890	356	6	-	-	PUNCT
fsr-3890	356	7	item	item	NOUN
fsr-3890	356	8	financial	financial	ADJ
fsr-3890	356	9	risk	risk	NOUN
fsr-3890	356	10	-	-	PUNCT
fsr-3890	356	11	tolerance	tolerance	NOUN
fsr-3890	356	12	assessment	assessment	NOUN
fsr-3890	356	13	instrument	instrument	NOUN
fsr-3890	356	14	was	be	AUX
fsr-3890	356	15	found	find	VERB
fsr-3890	356	16	to	to	PART
fsr-3890	356	17	meet	meet	VERB
fsr-3890	356	18	the	the	DET
fsr-3890	356	19	requirements	requirement	NOUN
fsr-3890	356	20	for	for	ADP
fsr-3890	356	21	a	a	DET
fsr-3890	356	22	multidimensional	multidimensional	ADJ
fsr-3890	356	23	financial	financial	ADJ
fsr-3890	356	24	risk	risk	NOUN
fsr-3890	356	25	-	-	PUNCT
fsr-3890	356	26	tolerance	tolerance	NOUN
fsr-3890	356	27	assessment	assessment	NOUN
fsr-3890	356	28	instrument	instrument	NOUN
fsr-3890	356	29	as	as	ADP
fsr-3890	356	30	178	178	NUM
fsr-3890	356	31	j.	j.	PROPN
fsr-3890	356	32	grable	grable	PROPN
fsr-3890	356	33	,	,	PUNCT
fsr-3890	356	34	r.h	r.h	PROPN
fsr-3890	356	35	.	.	PROPN
fsr-3890	356	36	lytton	lytton	PROPN
fsr-3890	356	37	/	/	SYM
fsr-3890	356	38	financial	financial	ADJ
fsr-3890	356	39	services	service	NOUN
fsr-3890	356	40	review	review	VERB
fsr-3890	356	41	8	8	NUM
fsr-3890	356	42	(	(	PUNCT
fsr-3890	356	43	1999	1999	NUM
fsr-3890	356	44	)	)	PUNCT
fsr-3890	357	1	163–181	163–181	NUM
fsr-3890	357	2	outlined	outline	VERB
fsr-3890	357	3	in	in	ADP
fsr-3890	357	4	the	the	DET
fsr-3890	357	5	literature	literature	NOUN
fsr-3890	357	6	.	.	PUNCT
fsr-3890	358	1	furthermore	furthermore	ADV
fsr-3890	358	2	,	,	PUNCT
fsr-3890	358	3	the	the	DET
fsr-3890	358	4	assessment	assessment	NOUN
fsr-3890	358	5	of	of	ADP
fsr-3890	358	6	reliability	reliability	NOUN
fsr-3890	358	7	and	and	CCONJ
fsr-3890	358	8	validity	validity	NOUN
fsr-3890	358	9	,	,	PUNCT
fsr-3890	358	10	based	base	VERB
fsr-3890	358	11	on	on	ADP
fsr-3890	358	12	testing	testing	NOUN
fsr-3890	358	13	with	with	ADP
fsr-3890	358	14	this	this	DET
fsr-3890	358	15	convenience	convenience	NOUN
fsr-3890	358	16	sample	sample	NOUN
fsr-3890	358	17	,	,	PUNCT
fsr-3890	358	18	support	support	VERB
fsr-3890	358	19	the	the	DET
fsr-3890	358	20	potential	potential	ADJ
fsr-3890	358	21	usefulness	usefulness	NOUN
fsr-3890	358	22	of	of	ADP
fsr-3890	358	23	the	the	DET
fsr-3890	358	24	instrument	instrument	NOUN
fsr-3890	358	25	.	.	PUNCT
fsr-3890	359	1	in	in	ADP
fsr-3890	359	2	summary	summary	NOUN
fsr-3890	359	3	,	,	PUNCT
fsr-3890	359	4	the	the	DET
fsr-3890	359	5	variety	variety	NOUN
fsr-3890	359	6	of	of	ADP
fsr-3890	359	7	items	item	NOUN
fsr-3890	359	8	included	include	VERB
fsr-3890	359	9	,	,	PUNCT
fsr-3890	359	10	the	the	DET
fsr-3890	359	11	high	high	ADJ
fsr-3890	359	12	degree	degree	NOUN
fsr-3890	359	13	of	of	ADP
fsr-3890	359	14	validity	validity	NOUN
fsr-3890	359	15	and	and	CCONJ
fsr-3890	359	16	reliability	reliability	NOUN
fsr-3890	359	17	,	,	PUNCT
fsr-3890	359	18	and	and	CCONJ
fsr-3890	359	19	the	the	DET
fsr-3890	359	20	potential	potential	ADJ
fsr-3890	359	21	ease	ease	NOUN
fsr-3890	359	22	of	of	ADP
fsr-3890	359	23	administration	administration	NOUN
fsr-3890	359	24	make	make	VERB
fsr-3890	359	25	this	this	PRON
fsr-3890	359	26	a	a	DET
fsr-3890	359	27	viable	viable	ADJ
fsr-3890	359	28	assessment	assessment	NOUN
fsr-3890	359	29	tool	tool	NOUN
fsr-3890	359	30	for	for	ADP
fsr-3890	359	31	researchers	researcher	NOUN
fsr-3890	359	32	,	,	PUNCT
fsr-3890	359	33	academics	academic	NOUN
fsr-3890	359	34	,	,	PUNCT
fsr-3890	359	35	and	and	CCONJ
fsr-3890	359	36	practitioners	practitioner	NOUN
fsr-3890	359	37	.	.	PUNCT
fsr-3890	360	1	4	4	X
fsr-3890	360	2	.	.	X
fsr-3890	360	3	conclusions	conclusion	NOUN
fsr-3890	360	4	financial	financial	ADJ
fsr-3890	360	5	service	service	NOUN
fsr-3890	360	6	providers	provider	NOUN
fsr-3890	360	7	and	and	CCONJ
fsr-3890	360	8	researchers	researcher	NOUN
fsr-3890	360	9	,	,	PUNCT
fsr-3890	360	10	in	in	ADP
fsr-3890	360	11	their	their	PRON
fsr-3890	360	12	respective	respective	ADJ
fsr-3890	360	13	roles	role	NOUN
fsr-3890	360	14	as	as	ADP
fsr-3890	360	15	managers	manager	NOUN
fsr-3890	360	16	,	,	PUNCT
fsr-3890	360	17	consultants	consultant	NOUN
fsr-3890	360	18	,	,	PUNCT
fsr-3890	360	19	and	and	CCONJ
fsr-3890	360	20	investors	investor	NOUN
fsr-3890	360	21	,	,	PUNCT
fsr-3890	360	22	share	share	VERB
fsr-3890	360	23	the	the	DET
fsr-3890	360	24	common	common	ADJ
fsr-3890	360	25	objective	objective	NOUN
fsr-3890	360	26	of	of	ADP
fsr-3890	360	27	quickly	quickly	ADV
fsr-3890	360	28	assessing	assess	VERB
fsr-3890	360	29	individual	individual	ADJ
fsr-3890	360	30	financial	financial	ADJ
fsr-3890	360	31	risk	risk	NOUN
fsr-3890	360	32	tolerances	tolerance	NOUN
fsr-3890	360	33	and	and	CCONJ
fsr-3890	360	34	preferences	preference	NOUN
fsr-3890	360	35	(	(	PUNCT
fsr-3890	360	36	both	both	CCONJ
fsr-3890	360	37	their	their	PRON
fsr-3890	360	38	own	own	ADJ
fsr-3890	360	39	and	and	CCONJ
fsr-3890	360	40	their	their	PRON
fsr-3890	360	41	clients	client	NOUN
fsr-3890	360	42	)	)	PUNCT
fsr-3890	360	43	.	.	PUNCT
fsr-3890	361	1	unfortunately	unfortunately	ADV
fsr-3890	361	2	,	,	PUNCT
fsr-3890	361	3	according	accord	VERB
fsr-3890	361	4	to	to	ADP
fsr-3890	361	5	snelbecker	snelbecker	PROPN
fsr-3890	361	6	,	,	PUNCT
fsr-3890	361	7	roszkowski	roszkowski	NOUN
fsr-3890	361	8	,	,	PUNCT
fsr-3890	361	9	and	and	CCONJ
fsr-3890	361	10	cutler	cutler	NOUN
fsr-3890	361	11	(	(	PUNCT
fsr-3890	361	12	1990	1990	NUM
fsr-3890	361	13	)	)	PUNCT
fsr-3890	361	14	all	all	ADV
fsr-3890	361	15	too	too	ADV
fsr-3890	361	16	often	often	ADV
fsr-3890	361	17	financial	financial	ADJ
fsr-3890	361	18	service	service	NOUN
fsr-3890	361	19	providers	provider	NOUN
fsr-3890	361	20	,	,	PUNCT
fsr-3890	361	21	researchers	researcher	NOUN
fsr-3890	361	22	,	,	PUNCT
fsr-3890	361	23	and	and	CCONJ
fsr-3890	361	24	household	household	NOUN
fsr-3890	361	25	financial	financial	ADJ
fsr-3890	361	26	managers	manager	NOUN
fsr-3890	361	27	have	have	VERB
fsr-3890	361	28	little	little	ADJ
fsr-3890	361	29	more	more	ADJ
fsr-3890	361	30	than	than	ADP
fsr-3890	361	31	qualitative	qualitative	ADJ
fsr-3890	361	32	descriptions	description	NOUN
fsr-3890	361	33	and	and	CCONJ
fsr-3890	361	34	intuitive	intuitive	ADJ
fsr-3890	361	35	subjective	subjective	ADJ
fsr-3890	361	36	judgments	judgment	NOUN
fsr-3890	361	37	for	for	ADP
fsr-3890	361	38	use	use	NOUN
fsr-3890	361	39	in	in	ADP
fsr-3890	361	40	understanding	understand	VERB
fsr-3890	361	41	financial	financial	ADJ
fsr-3890	361	42	beliefs	belief	NOUN
fsr-3890	361	43	,	,	PUNCT
fsr-3890	361	44	feelings	feeling	NOUN
fsr-3890	361	45	,	,	PUNCT
fsr-3890	361	46	needs	need	NOUN
fsr-3890	361	47	,	,	PUNCT
fsr-3890	361	48	and	and	CCONJ
fsr-3890	361	49	aspirations	aspiration	NOUN
fsr-3890	361	50	that	that	PRON
fsr-3890	361	51	affect	affect	VERB
fsr-3890	361	52	risk	risk	NOUN
fsr-3890	361	53	tolerances	tolerance	NOUN
fsr-3890	361	54	.	.	PUNCT
fsr-3890	362	1	instead	instead	ADV
fsr-3890	362	2	of	of	ADP
fsr-3890	362	3	relying	rely	VERB
fsr-3890	362	4	on	on	ADP
fsr-3890	362	5	a	a	DET
fsr-3890	362	6	standardized	standardized	ADJ
fsr-3890	362	7	measure	measure	NOUN
fsr-3890	362	8	of	of	ADP
fsr-3890	362	9	risk	risk	NOUN
fsr-3890	362	10	tolerance	tolerance	NOUN
fsr-3890	362	11	or	or	CCONJ
fsr-3890	362	12	empirically	empirically	ADV
fsr-3890	362	13	tested	test	VERB
fsr-3890	362	14	risk	risk	NOUN
fsr-3890	362	15	and	and	CCONJ
fsr-3890	362	16	investment	investment	NOUN
fsr-3890	362	17	rules	rule	NOUN
fsr-3890	362	18	,	,	PUNCT
fsr-3890	362	19	many	many	ADJ
fsr-3890	362	20	individuals	individual	NOUN
fsr-3890	362	21	rely	rely	VERB
fsr-3890	362	22	on	on	ADP
fsr-3890	362	23	one	one	NUM
fsr-3890	362	24	-	-	PUNCT
fsr-3890	362	25	dimensional	dimensional	ADJ
fsr-3890	362	26	assessments	assessment	NOUN
fsr-3890	362	27	,	,	PUNCT
fsr-3890	362	28	objective	objective	ADJ
fsr-3890	362	29	measures	measure	NOUN
fsr-3890	362	30	,	,	PUNCT
fsr-3890	362	31	and	and	CCONJ
fsr-3890	362	32	other	other	ADJ
fsr-3890	362	33	heuristics	heuristic	NOUN
fsr-3890	362	34	to	to	PART
fsr-3890	362	35	gauge	gauge	VERB
fsr-3890	362	36	their	their	PRON
fsr-3890	362	37	own	own	ADJ
fsr-3890	362	38	or	or	CCONJ
fsr-3890	362	39	someone	someone	PRON
fsr-3890	362	40	else	else	ADV
fsr-3890	362	41	’s	’s	PART
fsr-3890	362	42	risk	risk	NOUN
fsr-3890	362	43	-	-	PUNCT
fsr-3890	362	44	taking	take	VERB
fsr-3890	362	45	propensities	propensity	NOUN
fsr-3890	362	46	.	.	PUNCT
fsr-3890	363	1	as	as	SCONJ
fsr-3890	363	2	indicated	indicate	VERB
fsr-3890	363	3	above	above	ADV
fsr-3890	363	4	,	,	PUNCT
fsr-3890	363	5	these	these	DET
fsr-3890	363	6	methods	method	NOUN
fsr-3890	363	7	of	of	ADP
fsr-3890	363	8	risk	risk	NOUN
fsr-3890	363	9	assessment	assessment	NOUN
fsr-3890	363	10	are	be	AUX
fsr-3890	363	11	less	less	ADV
fsr-3890	363	12	effective	effective	ADJ
fsr-3890	363	13	than	than	ADP
fsr-3890	363	14	using	use	VERB
fsr-3890	363	15	a	a	DET
fsr-3890	363	16	multidimensional	multidimensional	ADJ
fsr-3890	363	17	risk	risk	NOUN
fsr-3890	363	18	-	-	PUNCT
fsr-3890	363	19	assessment	assessment	NOUN
fsr-3890	363	20	instrument	instrument	NOUN
fsr-3890	363	21	.	.	PUNCT
fsr-3890	364	1	the	the	DET
fsr-3890	364	2	original	original	ADJ
fsr-3890	364	3	20	20	NUM
fsr-3890	364	4	-	-	PUNCT
fsr-3890	364	5	item	item	NOUN
fsr-3890	364	6	,	,	PUNCT
fsr-3890	364	7	and	and	CCONJ
fsr-3890	364	8	the	the	DET
fsr-3890	364	9	factor	factor	NOUN
fsr-3890	364	10	reduced	reduce	VERB
fsr-3890	364	11	13	13	NUM
fsr-3890	364	12	-	-	PUNCT
fsr-3890	364	13	item	item	NOUN
fsr-3890	364	14	,	,	PUNCT
fsr-3890	364	15	instrument	instrument	NOUN
fsr-3890	364	16	extend	extend	VERB
fsr-3890	364	17	previous	previous	ADJ
fsr-3890	364	18	research	research	NOUN
fsr-3890	364	19	into	into	ADP
fsr-3890	364	20	risk	risk	NOUN
fsr-3890	364	21	assessment	assessment	NOUN
fsr-3890	364	22	whereas	whereas	SCONJ
fsr-3890	364	23	offering	offer	VERB
fsr-3890	364	24	a	a	DET
fsr-3890	364	25	solid	solid	ADJ
fsr-3890	364	26	foundation	foundation	NOUN
fsr-3890	364	27	in	in	ADP
fsr-3890	364	28	the	the	DET
fsr-3890	364	29	development	development	NOUN
fsr-3890	364	30	of	of	ADP
fsr-3890	364	31	a	a	DET
fsr-3890	364	32	widely	widely	ADV
fsr-3890	364	33	accepted	accept	VERB
fsr-3890	364	34	instrument	instrument	NOUN
fsr-3890	364	35	.	.	PUNCT
fsr-3890	365	1	financial	financial	ADJ
fsr-3890	365	2	service	service	NOUN
fsr-3890	365	3	providers	provider	NOUN
fsr-3890	365	4	,	,	PUNCT
fsr-3890	365	5	educators	educator	NOUN
fsr-3890	365	6	,	,	PUNCT
fsr-3890	365	7	and	and	CCONJ
fsr-3890	365	8	researchers	researcher	NOUN
fsr-3890	365	9	are	be	AUX
fsr-3890	365	10	encouraged	encourage	VERB
fsr-3890	365	11	to	to	PART
fsr-3890	365	12	use	use	VERB
fsr-3890	365	13	the	the	DET
fsr-3890	365	14	instrument	instrument	NOUN
fsr-3890	365	15	as	as	ADP
fsr-3890	365	16	a	a	DET
fsr-3890	365	17	tool	tool	NOUN
fsr-3890	365	18	for	for	ADP
fsr-3890	365	19	quickly	quickly	ADV
fsr-3890	365	20	and	and	CCONJ
fsr-3890	365	21	accurately	accurately	ADV
fsr-3890	365	22	assessing	assess	VERB
fsr-3890	365	23	the	the	DET
fsr-3890	365	24	financial	financial	ADJ
fsr-3890	365	25	risk	risk	NOUN
fsr-3890	365	26	tolerances	tolerance	NOUN
fsr-3890	365	27	of	of	ADP
fsr-3890	365	28	clients	client	NOUN
fsr-3890	365	29	and	and	CCONJ
fsr-3890	365	30	other	other	ADJ
fsr-3890	365	31	respondents	respondent	NOUN
fsr-3890	365	32	.	.	PUNCT
fsr-3890	366	1	further	further	ADJ
fsr-3890	366	2	tests	test	NOUN
fsr-3890	366	3	of	of	ADP
fsr-3890	366	4	the	the	DET
fsr-3890	366	5	instrument	instrument	NOUN
fsr-3890	366	6	,	,	PUNCT
fsr-3890	366	7	both	both	CCONJ
fsr-3890	366	8	in	in	ADP
fsr-3890	366	9	random	random	ADJ
fsr-3890	366	10	surveys	survey	NOUN
fsr-3890	366	11	and	and	CCONJ
fsr-3890	366	12	experimental	experimental	ADJ
fsr-3890	366	13	settings	setting	NOUN
fsr-3890	366	14	,	,	PUNCT
fsr-3890	366	15	will	will	AUX
fsr-3890	366	16	lead	lead	VERB
fsr-3890	366	17	to	to	ADP
fsr-3890	366	18	improved	improved	ADJ
fsr-3890	366	19	reliability	reliability	NOUN
fsr-3890	366	20	and	and	CCONJ
fsr-3890	366	21	validity	validity	NOUN
fsr-3890	366	22	of	of	ADP
fsr-3890	366	23	the	the	DET
fsr-3890	366	24	instrument	instrument	NOUN
fsr-3890	366	25	,	,	PUNCT
fsr-3890	366	26	as	as	ADV
fsr-3890	366	27	well	well	ADV
fsr-3890	366	28	as	as	ADP
fsr-3890	366	29	to	to	ADP
fsr-3890	366	30	the	the	DET
fsr-3890	366	31	eventual	eventual	ADJ
fsr-3890	366	32	development	development	NOUN
fsr-3890	366	33	of	of	ADP
fsr-3890	366	34	a	a	DET
fsr-3890	366	35	financial	financial	ADJ
fsr-3890	366	36	risk	risk	NOUN
fsr-3890	366	37	-	-	PUNCT
fsr-3890	366	38	tolerance	tolerance	NOUN
fsr-3890	366	39	assessment	assessment	NOUN
fsr-3890	366	40	instrument	instrument	NOUN
fsr-3890	366	41	for	for	ADP
fsr-3890	366	42	use	use	NOUN
fsr-3890	366	43	in	in	ADP
fsr-3890	366	44	private	private	ADJ
fsr-3890	366	45	and	and	CCONJ
fsr-3890	366	46	public	public	ADJ
fsr-3890	366	47	organizations	organization	NOUN
fsr-3890	366	48	.	.	PUNCT
fsr-3890	367	1	ultimately	ultimately	ADV
fsr-3890	367	2	the	the	DET
fsr-3890	367	3	continued	continued	ADJ
fsr-3890	367	4	use	use	NOUN
fsr-3890	367	5	,	,	PUNCT
fsr-3890	367	6	evaluation	evaluation	NOUN
fsr-3890	367	7	,	,	PUNCT
fsr-3890	367	8	and	and	CCONJ
fsr-3890	367	9	adaptation	adaptation	NOUN
fsr-3890	367	10	of	of	ADP
fsr-3890	367	11	this	this	DET
fsr-3890	367	12	instrument	instrument	NOUN
fsr-3890	367	13	will	will	AUX
fsr-3890	367	14	have	have	VERB
fsr-3890	367	15	a	a	DET
fsr-3890	367	16	positive	positive	ADJ
fsr-3890	367	17	impact	impact	NOUN
fsr-3890	367	18	on	on	ADP
fsr-3890	367	19	the	the	DET
fsr-3890	367	20	daily	daily	ADJ
fsr-3890	367	21	practices	practice	NOUN
fsr-3890	367	22	of	of	ADP
fsr-3890	367	23	financial	financial	ADJ
fsr-3890	367	24	service	service	NOUN
fsr-3890	367	25	providers	provider	NOUN
fsr-3890	367	26	,	,	PUNCT
fsr-3890	367	27	and	and	CCONJ
fsr-3890	367	28	most	most	ADV
fsr-3890	367	29	importantly	importantly	ADV
fsr-3890	367	30	,	,	PUNCT
fsr-3890	367	31	on	on	ADP
fsr-3890	367	32	the	the	DET
fsr-3890	367	33	lives	life	NOUN
fsr-3890	367	34	of	of	ADP
fsr-3890	367	35	financial	financial	ADJ
fsr-3890	367	36	services	service	NOUN
fsr-3890	367	37	clientele	clientele	NOUN
fsr-3890	367	38	and	and	CCONJ
fsr-3890	367	39	constituencies	constituency	NOUN
fsr-3890	367	40	.	.	PUNCT
fsr-3890	368	1	references	reference	NOUN
fsr-3890	368	2	babbie	babbie	PROPN
fsr-3890	368	3	,	,	PUNCT
fsr-3890	368	4	e.	e.	PROPN
fsr-3890	368	5	r.	r.	PROPN
fsr-3890	368	6	(	(	PUNCT
fsr-3890	368	7	1983).the	1983).the	NUM
fsr-3890	368	8	practice	practice	NOUN
fsr-3890	368	9	of	of	ADP
fsr-3890	368	10	social	social	ADJ
fsr-3890	368	11	research.belmont	research.belmont	PROPN
fsr-3890	368	12	,	,	PUNCT
fsr-3890	368	13	ca	can	AUX
fsr-3890	368	14	:	:	PUNCT
fsr-3890	368	15	wadsworth	wadsworth	NOUN
fsr-3890	368	16	publishing	publishing	NOUN
fsr-3890	368	17	company	company	NOUN
fsr-3890	368	18	.	.	PUNCT
fsr-3890	369	1	bernstein	bernstein	PROPN
fsr-3890	369	2	,	,	PUNCT
fsr-3890	369	3	j.	j.	PROPN
fsr-3890	369	4	(	(	PUNCT
fsr-3890	369	5	1993).the	1993).the	PROPN
fsr-3890	369	6	investor	investor	NOUN
fsr-3890	369	7	’s	’s	PART
fsr-3890	369	8	quotient	quotient	NOUN
fsr-3890	369	9	:	:	PUNCT
fsr-3890	369	10	the	the	DET
fsr-3890	369	11	psychology	psychology	NOUN
fsr-3890	369	12	of	of	ADP
fsr-3890	369	13	successful	successful	ADJ
fsr-3890	369	14	investing	investing	NOUN
fsr-3890	369	15	in	in	ADP
fsr-3890	369	16	commodities	commodity	NOUN
fsr-3890	369	17	and	and	CCONJ
fsr-3890	369	18	stocks	stock	NOUN
fsr-3890	369	19	.	.	PUNCT
fsr-3890	370	1	new	new	PROPN
fsr-3890	370	2	york	york	PROPN
fsr-3890	370	3	:	:	PUNCT
fsr-3890	370	4	john	john	PROPN
fsr-3890	370	5	wiley	wiley	PROPN
fsr-3890	370	6	&	&	CCONJ
fsr-3890	370	7	sons	son	NOUN
fsr-3890	370	8	.	.	PUNCT
fsr-3890	371	1	bernstein	bernstein	PROPN
fsr-3890	371	2	,	,	PUNCT
fsr-3890	371	3	p.	p.	PROPN
fsr-3890	371	4	l.	l.	PROPN
fsr-3890	372	1	(	(	PUNCT
fsr-3890	372	2	1996).against	1996).against	NUM
fsr-3890	372	3	the	the	DET
fsr-3890	372	4	gods	god	NOUN
fsr-3890	372	5	:	:	PUNCT
fsr-3890	372	6	the	the	DET
fsr-3890	372	7	remarkable	remarkable	ADJ
fsr-3890	372	8	story	story	NOUN
fsr-3890	372	9	of	of	ADP
fsr-3890	372	10	risk.new	risk.new	PROPN
fsr-3890	372	11	york	york	PROPN
fsr-3890	372	12	:	:	PUNCT
fsr-3890	372	13	john	john	PROPN
fsr-3890	372	14	wiley	wiley	PROPN
fsr-3890	372	15	&	&	CCONJ
fsr-3890	372	16	sons	son	NOUN
fsr-3890	372	17	.	.	PUNCT
fsr-3890	373	1	carducci	carducci	PROPN
fsr-3890	373	2	,	,	PUNCT
fsr-3890	373	3	b.	b.	PROPN
fsr-3890	373	4	j.	j.	PROPN
fsr-3890	373	5	&	&	CCONJ
fsr-3890	373	6	wong	wong	PROPN
fsr-3890	373	7	,	,	PUNCT
fsr-3890	373	8	a.	a.	PROPN
fsr-3890	373	9	s.	s.	PROPN
fsr-3890	373	10	(	(	PUNCT
fsr-3890	373	11	1998	1998	NUM
fsr-3890	373	12	)	)	PUNCT
fsr-3890	373	13	.	.	PUNCT
fsr-3890	374	1	type	type	VERB
fsr-3890	374	2	a	a	PRON
fsr-3890	374	3	and	and	CCONJ
fsr-3890	374	4	risk	risk	NOUN
fsr-3890	374	5	taking	take	VERB
fsr-3890	374	6	in	in	ADP
fsr-3890	374	7	everyday	everyday	ADJ
fsr-3890	374	8	money	money	NOUN
fsr-3890	374	9	matters.journal	matters.journal	PROPN
fsr-3890	374	10	of	of	ADP
fsr-3890	374	11	business	business	NOUN
fsr-3890	374	12	and	and	CCONJ
fsr-3890	374	13	psychology	psychology	NOUN
fsr-3890	374	14	,	,	PUNCT
fsr-3890	374	15	12,355–359	12,355–359	NUM
fsr-3890	374	16	.	.	PUNCT
fsr-3890	375	1	chang	chang	PROPN
fsr-3890	375	2	,	,	PUNCT
fsr-3890	375	3	y.r	y.r	PROPN
fsr-3890	375	4	.	.	PROPN
fsr-3890	375	5	(	(	PUNCT
fsr-3890	375	6	1994	1994	NUM
fsr-3890	375	7	)	)	PUNCT
fsr-3890	375	8	.	.	PUNCT
fsr-3890	376	1	saving	save	VERB
fsr-3890	376	2	behavior	behavior	NOUN
fsr-3890	376	3	of	of	ADP
fsr-3890	376	4	us	us	PROPN
fsr-3890	376	5	households	household	NOUN
fsr-3890	376	6	in	in	ADP
fsr-3890	376	7	the	the	DET
fsr-3890	376	8	1980s	1980	NOUN
fsr-3890	376	9	:	:	PUNCT
fsr-3890	376	10	results	result	NOUN
fsr-3890	376	11	from	from	ADP
fsr-3890	376	12	the	the	DET
fsr-3890	376	13	1983	1983	NUM
fsr-3890	376	14	and	and	CCONJ
fsr-3890	376	15	1986	1986	NUM
fsr-3890	376	16	survey	survey	NOUN
fsr-3890	376	17	of	of	ADP
fsr-3890	376	18	consumer	consumer	NOUN
fsr-3890	376	19	finance.financial	finance.financial	ADJ
fsr-3890	376	20	counseling	counseling	NOUN
fsr-3890	376	21	and	and	CCONJ
fsr-3890	376	22	planning	planning	NOUN
fsr-3890	376	23	,	,	PUNCT
fsr-3890	376	24	5,45–64	5,45–64	PROPN
fsr-3890	376	25	.	.	PUNCT
fsr-3890	376	26	cutler	cutler	PROPN
fsr-3890	376	27	,	,	PUNCT
fsr-3890	376	28	n.	n.	PROPN
fsr-3890	376	29	e.	e.	PROPN
fsr-3890	376	30	(	(	PUNCT
fsr-3890	376	31	1995	1995	NUM
fsr-3890	376	32	)	)	PUNCT
fsr-3890	376	33	.	.	PUNCT
fsr-3890	377	1	three	three	NUM
fsr-3890	377	2	myths	myth	NOUN
fsr-3890	377	3	of	of	ADP
fsr-3890	377	4	risk	risk	NOUN
fsr-3890	377	5	-	-	PUNCT
fsr-3890	377	6	tolerance	tolerance	NOUN
fsr-3890	377	7	:	:	PUNCT
fsr-3890	377	8	what	what	PRON
fsr-3890	377	9	clients	client	NOUN
fsr-3890	377	10	are	be	AUX
fsr-3890	377	11	not	not	PART
fsr-3890	377	12	telling	tell	VERB
fsr-3890	377	13	you.journal	you.journal	PROPN
fsr-3890	377	14	of	of	ADP
fsr-3890	377	15	the	the	DET
fsr-3890	377	16	american	american	ADJ
fsr-3890	377	17	society	society	NOUN
fsr-3890	377	18	of	of	ADP
fsr-3890	377	19	clu	clu	PROPN
fsr-3890	377	20	&	&	CCONJ
fsr-3890	377	21	chfc	chfc	PROPN
fsr-3890	377	22	,	,	PUNCT
fsr-3890	377	23	49,33–37	49,33–37	NOUN
fsr-3890	377	24	.	.	PUNCT
fsr-3890	378	1	179j	179j	NOUN
fsr-3890	378	2	.	.	PUNCT
fsr-3890	379	1	grable	grable	PROPN
fsr-3890	379	2	,	,	PUNCT
fsr-3890	379	3	r.h	r.h	PROPN
fsr-3890	379	4	.	.	PROPN
fsr-3890	379	5	lytton	lytton	PROPN
fsr-3890	379	6	/	/	SYM
fsr-3890	379	7	financial	financial	ADJ
fsr-3890	379	8	services	service	NOUN
fsr-3890	379	9	review	review	VERB
fsr-3890	379	10	8	8	NUM
fsr-3890	379	11	(	(	PUNCT
fsr-3890	379	12	1999	1999	NUM
fsr-3890	379	13	)	)	PUNCT
fsr-3890	380	1	163–181	163–181	NUM
fsr-3890	380	2	dillman	dillman	NOUN
fsr-3890	380	3	,	,	PUNCT
fsr-3890	380	4	d.	d.	PROPN
fsr-3890	380	5	a.	a.	PROPN
fsr-3890	380	6	(	(	PUNCT
fsr-3890	380	7	1978).mail	1978).mail	NUM
fsr-3890	380	8	and	and	CCONJ
fsr-3890	380	9	telephone	telephone	NOUN
fsr-3890	380	10	surveys.new	surveys.new	PROPN
fsr-3890	380	11	york	york	PROPN
fsr-3890	380	12	:	:	PUNCT
fsr-3890	380	13	john	john	PROPN
fsr-3890	380	14	wiley	wiley	PROPN
fsr-3890	380	15	&	&	CCONJ
fsr-3890	380	16	sons	son	NOUN
fsr-3890	380	17	.	.	PUNCT
fsr-3890	381	1	droms	drom	NOUN
fsr-3890	381	2	,	,	PUNCT
fsr-3890	381	3	w.	w.	PROPN
fsr-3890	381	4	g.	g.	PROPN
fsr-3890	381	5	(	(	PUNCT
fsr-3890	381	6	1988	1988	NUM
fsr-3890	381	7	)	)	PUNCT
fsr-3890	381	8	.	.	PUNCT
fsr-3890	382	1	measuring	measure	VERB
fsr-3890	382	2	investor	investor	NOUN
fsr-3890	382	3	risk	risk	NOUN
fsr-3890	382	4	capacity	capacity	NOUN
fsr-3890	382	5	with	with	ADP
fsr-3890	382	6	a	a	DET
fsr-3890	382	7	pass.journal	pass.journal	ADJ
fsr-3890	382	8	of	of	ADP
fsr-3890	382	9	financial	financial	ADJ
fsr-3890	382	10	planning	planning	NOUN
fsr-3890	382	11	,	,	PUNCT
fsr-3890	382	12	1	1	NUM
fsr-3890	382	13	,	,	PUNCT
fsr-3890	382	14	88–92	88–92	NUM
fsr-3890	382	15	.	.	PUNCT
fsr-3890	383	1	elvekrog	elvekrog	PROPN
fsr-3890	383	2	,	,	PUNCT
fsr-3890	383	3	m.	m.	NOUN
fsr-3890	383	4	(	(	PUNCT
fsr-3890	383	5	1996	1996	NUM
fsr-3890	383	6	)	)	PUNCT
fsr-3890	383	7	.	.	PUNCT
fsr-3890	384	1	psychological	psychological	ADJ
fsr-3890	384	2	‘	'	PUNCT
fsr-3890	384	3	unbalance	unbalance	NOUN
fsr-3890	384	4	’	'	PUNCT
fsr-3890	384	5	in	in	ADP
fsr-3890	384	6	investing	invest	VERB
fsr-3890	384	7	.	.	PUNCT
fsr-3890	385	1	a	a	DET
fsr-3890	385	2	matter	matter	NOUN
fsr-3890	385	3	of	of	ADP
fsr-3890	385	4	emotion	emotion	NOUN
fsr-3890	385	5	,	,	PUNCT
fsr-3890	385	6	not	not	PART
fsr-3890	385	7	analysis.better	analysis.better	PROPN
fsr-3890	385	8	investing	investing	NOUN
fsr-3890	385	9	,	,	PUNCT
fsr-3890	385	10	october	october	PROPN
fsr-3890	385	11	,	,	PUNCT
fsr-3890	385	12	9–11	9–11	PROPN
fsr-3890	385	13	.	.	PUNCT
fsr-3890	385	14	epstein	epstein	PROPN
fsr-3890	385	15	,	,	PUNCT
fsr-3890	385	16	i.	i.	PROPN
fsr-3890	385	17	,	,	PUNCT
fsr-3890	385	18	&	&	CCONJ
fsr-3890	385	19	garfield	garfield	PROPN
fsr-3890	385	20	,	,	PUNCT
fsr-3890	385	21	d.	d.	PROPN
fsr-3890	385	22	(	(	PUNCT
fsr-3890	385	23	1992).the	1992).the	DET
fsr-3890	385	24	psychology	psychology	NOUN
fsr-3890	385	25	of	of	ADP
fsr-3890	385	26	smart	smart	ADJ
fsr-3890	385	27	investing.new	investing.new	PROPN
fsr-3890	385	28	york	york	PROPN
fsr-3890	385	29	:	:	PUNCT
fsr-3890	385	30	john	john	PROPN
fsr-3890	385	31	wiley	wiley	PROPN
fsr-3890	385	32	&	&	CCONJ
fsr-3890	385	33	sons	son	NOUN
fsr-3890	385	34	.	.	PUNCT
fsr-3890	386	1	goldberg	goldberg	PROPN
fsr-3890	386	2	,	,	PUNCT
fsr-3890	386	3	s.	s.	PROPN
fsr-3890	386	4	t.	t.	PROPN
fsr-3890	386	5	(	(	PUNCT
fsr-3890	386	6	1995	1995	NUM
fsr-3890	386	7	)	)	PUNCT
fsr-3890	386	8	.	.	PUNCT
fsr-3890	387	1	yes	yes	INTJ
fsr-3890	387	2	,	,	PUNCT
fsr-3890	387	3	but	but	CCONJ
fsr-3890	387	4	how	how	SCONJ
fsr-3890	387	5	do	do	AUX
fsr-3890	387	6	you	you	PRON
fsr-3890	387	7	feel	feel	VERB
fsr-3890	387	8	about	about	ADP
fsr-3890	387	9	this	this	DET
fsr-3890	387	10	investment?kiplinger	investment?kiplinger	PROPN
fsr-3890	387	11	’s	’s	PART
fsr-3890	387	12	personal	personal	ADJ
fsr-3890	387	13	finance	finance	NOUN
fsr-3890	387	14	magazine	magazine	NOUN
fsr-3890	387	15	,	,	PUNCT
fsr-3890	387	16	august	august	PROPN
fsr-3890	387	17	,	,	PUNCT
fsr-3890	387	18	68–71	68–71	NUM
fsr-3890	387	19	.	.	PUNCT
fsr-3890	388	1	grable	grable	PROPN
fsr-3890	388	2	,	,	PUNCT
fsr-3890	388	3	j.	j.	PROPN
fsr-3890	388	4	e.	e.	PROPN
fsr-3890	388	5	&	&	CCONJ
fsr-3890	388	6	joo	joo	PROPN
fsr-3890	388	7	,	,	PUNCT
fsr-3890	388	8	s.	s.	PROPN
fsr-3890	388	9	(	(	PUNCT
fsr-3890	388	10	1997	1997	NUM
fsr-3890	388	11	)	)	PUNCT
fsr-3890	388	12	.	.	PUNCT
fsr-3890	389	1	determinants	determinant	NOUN
fsr-3890	389	2	of	of	ADP
fsr-3890	389	3	risk	risk	NOUN
fsr-3890	389	4	preference	preference	NOUN
fsr-3890	389	5	:	:	PUNCT
fsr-3890	389	6	implications	implication	NOUN
fsr-3890	389	7	for	for	ADP
fsr-3890	389	8	family	family	NOUN
fsr-3890	389	9	and	and	CCONJ
fsr-3890	389	10	consumer	consumer	NOUN
fsr-3890	389	11	science	science	NOUN
fsr-3890	389	12	professionals.family	professionals.family	ADP
fsr-3890	389	13	economics	economic	NOUN
fsr-3890	389	14	and	and	CCONJ
fsr-3890	389	15	resource	resource	NOUN
fsr-3890	389	16	management	management	NOUN
fsr-3890	389	17	biennial	biennial	NOUN
fsr-3890	389	18	,	,	PUNCT
fsr-3890	389	19	2,19–24	2,19–24	NUM
fsr-3890	389	20	.	.	PUNCT
fsr-3890	390	1	grable	grable	PROPN
fsr-3890	390	2	,	,	PUNCT
fsr-3890	390	3	j.	j.	PROPN
fsr-3890	390	4	e.	e.	PROPN
fsr-3890	390	5	&	&	CCONJ
fsr-3890	390	6	lytton	lytton	PROPN
fsr-3890	390	7	,	,	PUNCT
fsr-3890	390	8	r.	r.	PROPN
fsr-3890	390	9	h.	h.	PROPN
fsr-3890	390	10	(	(	PUNCT
fsr-3890	390	11	1998	1998	NUM
fsr-3890	390	12	)	)	PUNCT
fsr-3890	390	13	.	.	PUNCT
fsr-3890	391	1	investor	investor	NOUN
fsr-3890	391	2	risk	risk	NOUN
fsr-3890	391	3	tolerance	tolerance	NOUN
fsr-3890	391	4	:	:	PUNCT
fsr-3890	391	5	testing	test	VERB
fsr-3890	391	6	the	the	DET
fsr-3890	391	7	efficacy	efficacy	NOUN
fsr-3890	391	8	of	of	ADP
fsr-3890	391	9	demographics	demographic	NOUN
fsr-3890	391	10	as	as	ADP
fsr-3890	391	11	differentiating	differentiate	VERB
fsr-3890	391	12	and	and	CCONJ
fsr-3890	391	13	classifying	classify	VERB
fsr-3890	391	14	factors.financial	factors.financial	ADJ
fsr-3890	391	15	counseling	counseling	NOUN
fsr-3890	391	16	and	and	CCONJ
fsr-3890	391	17	planning	planning	NOUN
fsr-3890	391	18	,	,	PUNCT
fsr-3890	391	19	9,61–74	9,61–74	X
fsr-3890	391	20	.	.	PUNCT
fsr-3890	391	21	haliassos	haliassos	PROPN
fsr-3890	391	22	,	,	PUNCT
fsr-3890	391	23	m.	m.	NOUN
fsr-3890	391	24	&	&	CCONJ
fsr-3890	391	25	bertaut	bertaut	PROPN
fsr-3890	391	26	,	,	PUNCT
fsr-3890	391	27	c.	c.	PROPN
fsr-3890	391	28	c.	c.	PROPN
fsr-3890	391	29	(	(	PUNCT
fsr-3890	391	30	1995	1995	NUM
fsr-3890	391	31	)	)	PUNCT
fsr-3890	391	32	.	.	PUNCT
fsr-3890	392	1	why	why	SCONJ
fsr-3890	392	2	do	do	AUX
fsr-3890	392	3	so	so	ADV
fsr-3890	392	4	few	few	ADJ
fsr-3890	392	5	hold	hold	VERB
fsr-3890	392	6	stocks?the	stocks?the	DET
fsr-3890	392	7	economic	economic	ADJ
fsr-3890	392	8	journal	journal	NOUN
fsr-3890	392	9	,	,	PUNCT
fsr-3890	392	10	105,1110–1129	105,1110–1129	PROPN
fsr-3890	393	1	.	.	PUNCT
fsr-3890	393	2	henerson	henerson	PROPN
fsr-3890	393	3	,	,	PUNCT
fsr-3890	393	4	m.	m.	PROPN
fsr-3890	393	5	e.	e.	PROPN
fsr-3890	393	6	,	,	PUNCT
fsr-3890	393	7	morris	morris	PROPN
fsr-3890	393	8	,	,	PUNCT
fsr-3890	393	9	l.	l.	PROPN
fsr-3890	393	10	l.	l.	PROPN
fsr-3890	393	11	&	&	CCONJ
fsr-3890	393	12	fitz	fitz	PROPN
fsr-3890	393	13	–	–	PUNCT
fsr-3890	393	14	gibbon	gibbon	PROPN
fsr-3890	393	15	,	,	PUNCT
fsr-3890	393	16	c.	c.	PROPN
fsr-3890	393	17	t.	t.	PROPN
fsr-3890	393	18	(	(	PUNCT
fsr-3890	393	19	1987).how	1987).how	NUM
fsr-3890	393	20	to	to	PART
fsr-3890	393	21	measure	measure	VERB
fsr-3890	393	22	attitudes.newbury	attitudes.newbury	PROPN
fsr-3890	393	23	park	park	NOUN
fsr-3890	393	24	,	,	PUNCT
fsr-3890	393	25	ca	can	AUX
fsr-3890	393	26	:	:	PUNCT
fsr-3890	393	27	sage	sage	VERB
fsr-3890	393	28	.	.	PUNCT
fsr-3890	394	1	isaac	isaac	PROPN
fsr-3890	394	2	,	,	PUNCT
fsr-3890	394	3	s.	s.	PROPN
fsr-3890	394	4	&	&	CCONJ
fsr-3890	394	5	michael	michael	PROPN
fsr-3890	394	6	,	,	PUNCT
fsr-3890	394	7	w.b	w.b	PROPN
fsr-3890	394	8	.	.	PUNCT
fsr-3890	395	1	(	(	PUNCT
fsr-3890	395	2	1995).handbook	1995).handbook	NUM
fsr-3890	395	3	in	in	ADP
fsr-3890	395	4	research	research	NOUN
fsr-3890	395	5	and	and	CCONJ
fsr-3890	395	6	evaluation(3rd	evaluation(3rd	PROPN
fsr-3890	395	7	ed	ed	NOUN
fsr-3890	395	8	.	.	PUNCT
fsr-3890	395	9	)	)	PUNCT
fsr-3890	395	10	.	.	PUNCT
fsr-3890	396	1	san	san	PROPN
fsr-3890	396	2	diego	diego	PROPN
fsr-3890	396	3	,	,	PUNCT
fsr-3890	396	4	ca	can	AUX
fsr-3890	396	5	:	:	PUNCT
fsr-3890	396	6	educational	educational	ADJ
fsr-3890	396	7	and	and	CCONJ
fsr-3890	396	8	industrial	industrial	ADJ
fsr-3890	396	9	testing	testing	NOUN
fsr-3890	396	10	services	service	NOUN
fsr-3890	396	11	.	.	PUNCT
fsr-3890	397	1	kahneman	kahneman	PROPN
fsr-3890	397	2	,	,	PUNCT
fsr-3890	397	3	d.	d.	PROPN
fsr-3890	397	4	&	&	CCONJ
fsr-3890	397	5	tversky	tversky	PROPN
fsr-3890	397	6	,	,	PUNCT
fsr-3890	397	7	a.	a.	NOUN
fsr-3890	397	8	(	(	PUNCT
fsr-3890	397	9	1979	1979	NUM
fsr-3890	397	10	)	)	PUNCT
fsr-3890	397	11	.	.	PUNCT
fsr-3890	398	1	prospect	prospect	PROPN
fsr-3890	398	2	theory	theory	NOUN
fsr-3890	398	3	:	:	PUNCT
fsr-3890	398	4	an	an	DET
fsr-3890	398	5	analysis	analysis	NOUN
fsr-3890	398	6	of	of	ADP
fsr-3890	398	7	decision	decision	NOUN
fsr-3890	398	8	under	under	ADP
fsr-3890	398	9	risk.econometrica	risk.econometrica	PROPN
fsr-3890	398	10	,	,	PUNCT
fsr-3890	398	11	47	47	NUM
fsr-3890	398	12	,	,	PUNCT
fsr-3890	398	13	263–291	263–291	NUM
fsr-3890	398	14	.	.	PUNCT
fsr-3890	399	1	litwin	litwin	PROPN
fsr-3890	399	2	,	,	PUNCT
fsr-3890	399	3	m.	m.	NOUN
fsr-3890	399	4	s.	s.	PROPN
fsr-3890	399	5	(	(	PUNCT
fsr-3890	399	6	1995).how	1995).how	NUM
fsr-3890	399	7	to	to	PART
fsr-3890	399	8	measure	measure	VERB
fsr-3890	399	9	survey	survey	NOUN
fsr-3890	399	10	reliability	reliability	NOUN
fsr-3890	399	11	and	and	CCONJ
fsr-3890	399	12	validity.thousand	validity.thousand	NUM
fsr-3890	399	13	oaks	oak	NOUN
fsr-3890	399	14	,	,	PUNCT
fsr-3890	399	15	ca	can	AUX
fsr-3890	399	16	:	:	PUNCT
fsr-3890	399	17	sage	sage	VERB
fsr-3890	399	18	.	.	PUNCT
fsr-3890	400	1	maccrimmon	maccrimmon	PROPN
fsr-3890	400	2	,	,	PUNCT
fsr-3890	400	3	k.	k.	PROPN
fsr-3890	400	4	r.	r.	PROPN
fsr-3890	400	5	&	&	CCONJ
fsr-3890	400	6	wehrung	wehrung	PROPN
fsr-3890	400	7	,	,	PUNCT
fsr-3890	400	8	d.	d.	PROPN
fsr-3890	400	9	a.	a.	PROPN
fsr-3890	400	10	(	(	PUNCT
fsr-3890	400	11	1985	1985	NUM
fsr-3890	400	12	)	)	PUNCT
fsr-3890	400	13	.	.	PUNCT
fsr-3890	401	1	a	a	DET
fsr-3890	401	2	portfolio	portfolio	NOUN
fsr-3890	401	3	of	of	ADP
fsr-3890	401	4	risk	risk	NOUN
fsr-3890	401	5	measures.theory	measures.theory	NOUN
fsr-3890	401	6	and	and	CCONJ
fsr-3890	401	7	decision	decision	NOUN
fsr-3890	401	8	,	,	PUNCT
fsr-3890	401	9	19,1–29	19,1–29	X
fsr-3890	401	10	.	.	PUNCT
fsr-3890	401	11	maccrimmon	maccrimmon	PROPN
fsr-3890	401	12	,	,	PUNCT
fsr-3890	401	13	k.	k.	PROPN
fsr-3890	401	14	r.	r.	PROPN
fsr-3890	401	15	&	&	CCONJ
fsr-3890	401	16	wehrung	wehrung	PROPN
fsr-3890	401	17	,	,	PUNCT
fsr-3890	401	18	d.	d.	PROPN
fsr-3890	401	19	a.	a.	PROPN
fsr-3890	401	20	(	(	PUNCT
fsr-3890	401	21	1986).risk	1986).risk	NOUN
fsr-3890	401	22	management.new	management.new	PROPN
fsr-3890	401	23	york	york	PROPN
fsr-3890	401	24	:	:	PUNCT
fsr-3890	401	25	the	the	DET
fsr-3890	401	26	free	free	ADJ
fsr-3890	401	27	press	press	NOUN
fsr-3890	401	28	.	.	PUNCT
fsr-3890	402	1	malkiel	malkiel	PROPN
fsr-3890	402	2	,	,	PUNCT
fsr-3890	402	3	b.	b.	PROPN
fsr-3890	402	4	g.	g.	PROPN
fsr-3890	402	5	(	(	PUNCT
fsr-3890	402	6	1994).a	1994).a	NUM
fsr-3890	402	7	random	random	ADJ
fsr-3890	402	8	walk	walk	VERB
fsr-3890	402	9	down	down	ADP
fsr-3890	402	10	wall	wall	PROPN
fsr-3890	402	11	street(6th	street(6th	PROPN
fsr-3890	402	12	ed	ed	NOUN
fsr-3890	402	13	)	)	PUNCT
fsr-3890	402	14	.	.	PUNCT
fsr-3890	403	1	new	new	PROPN
fsr-3890	403	2	york	york	PROPN
fsr-3890	403	3	:	:	PUNCT
fsr-3890	403	4	w.w	w.w	PROPN
fsr-3890	403	5	.	.	PROPN
fsr-3890	403	6	norton	norton	PROPN
fsr-3890	403	7	&	&	CCONJ
fsr-3890	403	8	company	company	PROPN
fsr-3890	403	9	.	.	PUNCT
fsr-3890	404	1	mehrabian	mehrabian	PROPN
fsr-3890	404	2	,	,	PUNCT
fsr-3890	404	3	a.	a.	NOUN
fsr-3890	404	4	(	(	PUNCT
fsr-3890	404	5	1991).your	1991).your	NUM
fsr-3890	404	6	inner	inner	ADJ
fsr-3890	404	7	path	path	NOUN
fsr-3890	404	8	to	to	ADP
fsr-3890	404	9	investment	investment	NOUN
fsr-3890	404	10	success	success	NOUN
fsr-3890	404	11	:	:	PUNCT
fsr-3890	404	12	insight	insight	NOUN
fsr-3890	404	13	into	into	ADP
fsr-3890	404	14	the	the	DET
fsr-3890	404	15	psychology	psychology	NOUN
fsr-3890	404	16	of	of	ADP
fsr-3890	404	17	investing.chicago	investing.chicago	NOUN
fsr-3890	404	18	:	:	PUNCT
fsr-3890	404	19	probus	probus	PROPN
fsr-3890	404	20	publishing	publishing	PROPN
fsr-3890	404	21	company	company	NOUN
fsr-3890	404	22	.	.	PUNCT
fsr-3890	405	1	mellan	mellan	PROPN
fsr-3890	405	2	,	,	PUNCT
fsr-3890	405	3	o.	o.	PROPN
fsr-3890	405	4	(	(	PUNCT
fsr-3890	405	5	1994).money	1994).money	NUM
fsr-3890	405	6	harmony	harmony	NOUN
fsr-3890	405	7	:	:	PUNCT
fsr-3890	405	8	resolving	resolve	VERB
fsr-3890	405	9	money	money	NOUN
fsr-3890	405	10	conflicts	conflict	NOUN
fsr-3890	405	11	in	in	ADP
fsr-3890	405	12	your	your	PRON
fsr-3890	405	13	life	life	NOUN
fsr-3890	405	14	and	and	CCONJ
fsr-3890	405	15	relationships.new	relationships.new	PROPN
fsr-3890	405	16	york	york	PROPN
fsr-3890	405	17	:	:	PUNCT
fsr-3890	405	18	walker	walker	NOUN
fsr-3890	405	19	and	and	CCONJ
fsr-3890	405	20	company	company	NOUN
fsr-3890	405	21	.	.	PUNCT
fsr-3890	406	1	mellan	mellan	PROPN
fsr-3890	406	2	,	,	PUNCT
fsr-3890	406	3	o.	o.	PROPN
fsr-3890	406	4	(	(	PUNCT
fsr-3890	406	5	1995	1995	NUM
fsr-3890	406	6	)	)	PUNCT
fsr-3890	406	7	.	.	PUNCT
fsr-3890	407	1	beyond	beyond	ADP
fsr-3890	407	2	reason	reason	NOUN
fsr-3890	407	3	:	:	PUNCT
fsr-3890	407	4	to	to	PART
fsr-3890	407	5	build	build	VERB
fsr-3890	407	6	good	good	ADJ
fsr-3890	407	7	rapport	rapport	NOUN
fsr-3890	407	8	,	,	PUNCT
fsr-3890	407	9	consider	consider	VERB
fsr-3890	407	10	your	your	PRON
fsr-3890	407	11	client	client	NOUN
fsr-3890	407	12	’s	’s	PART
fsr-3890	407	13	money	money	NOUN
fsr-3890	407	14	personality.fee	personality.fee	PROPN
fsr-3890	407	15	advisor	advisor	NOUN
fsr-3890	407	16	,	,	PUNCT
fsr-3890	407	17	november	november	PROPN
fsr-3890	407	18	/	/	SYM
fsr-3890	407	19	december	december	PROPN
fsr-3890	407	20	,	,	PUNCT
fsr-3890	407	21	62–65	62–65	NUM
fsr-3890	407	22	.	.	PUNCT
fsr-3890	408	1	opiela	opiela	PROPN
fsr-3890	408	2	,	,	PUNCT
fsr-3890	408	3	n.	n.	PROPN
fsr-3890	408	4	(	(	PUNCT
fsr-3890	408	5	1996	1996	NUM
fsr-3890	408	6	)	)	PUNCT
fsr-3890	408	7	.	.	PUNCT
fsr-3890	409	1	business	business	NOUN
fsr-3890	409	2	practice	practice	NOUN
fsr-3890	409	3	management	management	NOUN
fsr-3890	409	4	:	:	PUNCT
fsr-3890	409	5	charles	charles	PROPN
fsr-3890	409	6	haines	haine	NOUN
fsr-3890	409	7	,	,	PUNCT
fsr-3890	409	8	jr.registered	jr.registere	VERB
fsr-3890	409	9	investment	investment	NOUN
fsr-3890	409	10	adviser	adviser	NOUN
fsr-3890	409	11	,	,	PUNCT
fsr-3890	409	12	2,ria1	2,ria1	NUM
fsr-3890	409	13	,	,	PUNCT
fsr-3890	409	14	6	6	NUM
fsr-3890	409	15	.	.	PUNCT
fsr-3890	409	16	pedhazur	pedhazur	PROPN
fsr-3890	409	17	,	,	PUNCT
fsr-3890	409	18	e.	e.	PROPN
fsr-3890	409	19	j.	j.	PROPN
fsr-3890	409	20	(	(	PUNCT
fsr-3890	409	21	1982).multiple	1982).multiple	NUM
fsr-3890	409	22	regression	regression	NOUN
fsr-3890	409	23	in	in	ADP
fsr-3890	409	24	behavioral	behavioral	ADJ
fsr-3890	409	25	research(2nd	research(2nd	PROPN
fsr-3890	409	26	ed	ed	PROPN
fsr-3890	409	27	)	)	PUNCT
fsr-3890	409	28	.	.	PUNCT
fsr-3890	410	1	fort	fort	NOUN
fsr-3890	410	2	worth	worth	PROPN
fsr-3890	410	3	,	,	PUNCT
fsr-3890	410	4	tx	tx	PROPN
fsr-3890	410	5	:	:	PUNCT
fsr-3890	410	6	harcourt	harcourt	PROPN
fsr-3890	410	7	brace	brace	PROPN
fsr-3890	410	8	javanovich	javanovich	PROPN
fsr-3890	410	9	,	,	PUNCT
fsr-3890	410	10	inc	inc	PROPN
fsr-3890	410	11	.	.	PROPN
fsr-3890	410	12	pedhazur	pedhazur	PROPN
fsr-3890	410	13	,	,	PUNCT
fsr-3890	410	14	e.	e.	PROPN
fsr-3890	410	15	j.	j.	PROPN
fsr-3890	410	16	&	&	CCONJ
fsr-3890	410	17	schmelkin	schmelkin	PROPN
fsr-3890	410	18	,	,	PUNCT
fsr-3890	410	19	l.	l.	PROPN
fsr-3890	410	20	p.	p.	PROPN
fsr-3890	410	21	(	(	PUNCT
fsr-3890	410	22	1991).measurement	1991).measurement	NOUN
fsr-3890	410	23	,	,	PUNCT
fsr-3890	410	24	design	design	NOUN
fsr-3890	410	25	,	,	PUNCT
fsr-3890	410	26	and	and	CCONJ
fsr-3890	410	27	analysis	analysis	NOUN
fsr-3890	410	28	:	:	PUNCT
fsr-3890	410	29	an	an	DET
fsr-3890	410	30	integrated	integrated	ADJ
fsr-3890	410	31	approach	approach	NOUN
fsr-3890	410	32	.	.	PUNCT
fsr-3890	411	1	hillsdale	hillsdale	PROPN
fsr-3890	411	2	,	,	PUNCT
fsr-3890	411	3	nj	nj	PROPN
fsr-3890	411	4	:	:	PUNCT
fsr-3890	411	5	lawrence	lawrence	PROPN
fsr-3890	411	6	erlbaum	erlbaum	PROPN
fsr-3890	411	7	associates	associates	PROPN
fsr-3890	411	8	.	.	PUNCT
fsr-3890	412	1	pioneer	pioneer	NOUN
fsr-3890	412	2	news	news	PROPN
fsr-3890	412	3	.	.	PUNCT
fsr-3890	413	1	(	(	PUNCT
fsr-3890	413	2	1996	1996	NUM
fsr-3890	413	3	)	)	PUNCT
fsr-3890	413	4	.	.	PUNCT
fsr-3890	414	1	what	what	DET
fsr-3890	414	2	type	type	NOUN
fsr-3890	414	3	of	of	ADP
fsr-3890	414	4	investor	investor	NOUN
fsr-3890	414	5	are	be	AUX
fsr-3890	414	6	you?author	you?author	NOUN
fsr-3890	414	7	,	,	PUNCT
fsr-3890	414	8	10(1	10(1	NUM
fsr-3890	414	9	)	)	PUNCT
fsr-3890	414	10	,	,	PUNCT
fsr-3890	414	11	1–2	1–2	NUM
fsr-3890	414	12	.	.	PUNCT
fsr-3890	415	1	pring	pring	NOUN
fsr-3890	415	2	,	,	PUNCT
fsr-3890	415	3	m.	m.	NOUN
fsr-3890	415	4	j.	j.	PROPN
fsr-3890	415	5	(	(	PUNCT
fsr-3890	415	6	1993).investment	1993).investment	NUM
fsr-3890	415	7	psychology	psychology	NOUN
fsr-3890	415	8	explained	explain	VERB
fsr-3890	415	9	:	:	PUNCT
fsr-3890	415	10	classic	classic	ADJ
fsr-3890	415	11	strategies	strategy	NOUN
fsr-3890	415	12	to	to	PART
fsr-3890	415	13	beat	beat	VERB
fsr-3890	415	14	the	the	DET
fsr-3890	415	15	markets.new	markets.new	PROPN
fsr-3890	415	16	york	york	PROPN
fsr-3890	415	17	:	:	PUNCT
fsr-3890	415	18	john	john	PROPN
fsr-3890	415	19	wiley	wiley	PROPN
fsr-3890	415	20	&	&	CCONJ
fsr-3890	415	21	sons	son	NOUN
fsr-3890	415	22	.	.	PUNCT
fsr-3890	416	1	roszkowski	roszkowski	PROPN
fsr-3890	416	2	,	,	PUNCT
fsr-3890	416	3	m.	m.	NOUN
fsr-3890	416	4	j.	j.	PROPN
fsr-3890	416	5	(	(	PUNCT
fsr-3890	416	6	1995).risk	1995).risk	NUM
fsr-3890	416	7	tolerance	tolerance	NOUN
fsr-3890	416	8	assessment.bryn	assessment.bryn	PROPN
fsr-3890	416	9	mawr	mawr	PROPN
fsr-3890	416	10	,	,	PUNCT
fsr-3890	416	11	pa	pa	PROPN
fsr-3890	416	12	:	:	PUNCT
fsr-3890	416	13	the	the	DET
fsr-3890	416	14	american	american	PROPN
fsr-3890	416	15	college	college	PROPN
fsr-3890	416	16	.	.	PUNCT
fsr-3890	417	1	roszkowski	roszkowski	PROPN
fsr-3890	417	2	,	,	PUNCT
fsr-3890	417	3	m.	m.	NOUN
fsr-3890	417	4	j.	j.	PROPN
fsr-3890	417	5	(	(	PUNCT
fsr-3890	417	6	1998	1998	NUM
fsr-3890	417	7	)	)	PUNCT
fsr-3890	417	8	.	.	PUNCT
fsr-3890	418	1	risk	risk	NOUN
fsr-3890	418	2	tolerance	tolerance	NOUN
fsr-3890	418	3	in	in	ADP
fsr-3890	418	4	financial	financial	ADJ
fsr-3890	418	5	decisions	decision	NOUN
fsr-3890	418	6	.	.	PUNCT
fsr-3890	419	1	in	in	ADP
fsr-3890	419	2	:	:	PUNCT
fsr-3890	419	3	cordell	cordell	PROPN
fsr-3890	419	4	,	,	PUNCT
fsr-3890	419	5	d.	d.	PROPN
fsr-3890	419	6	m.	m.	PROPN
fsr-3890	419	7	,	,	PUNCT
fsr-3890	419	8	editor.readings	editor.reading	NOUN
fsr-3890	419	9	in	in	ADP
fsr-3890	419	10	financial	financial	ADJ
fsr-3890	419	11	planning	planning	NOUN
fsr-3890	419	12	(	(	PUNCT
fsr-3890	419	13	pp	pp	ADJ
fsr-3890	419	14	.	.	PUNCT
fsr-3890	420	1	281–328	281–328	NUM
fsr-3890	420	2	)	)	PUNCT
fsr-3890	420	3	.	.	PUNCT
fsr-3890	421	1	bryn	bryn	PROPN
fsr-3890	421	2	mawr	mawr	PROPN
fsr-3890	421	3	,	,	PUNCT
fsr-3890	421	4	pa	pa	PROPN
fsr-3890	421	5	:	:	PUNCT
fsr-3890	421	6	the	the	DET
fsr-3890	421	7	american	american	PROPN
fsr-3890	421	8	college	college	PROPN
fsr-3890	421	9	.	.	PUNCT
fsr-3890	422	1	roszkowski	roszkowski	PROPN
fsr-3890	422	2	,	,	PUNCT
fsr-3890	422	3	m.	m.	PROPN
fsr-3890	422	4	j.	j.	PROPN
fsr-3890	422	5	&	&	CCONJ
fsr-3890	422	6	bean	bean	PROPN
fsr-3890	422	7	,	,	PUNCT
fsr-3890	422	8	a.g	a.g	PROPN
fsr-3890	422	9	.	.	PROPN
fsr-3890	422	10	(	(	PUNCT
fsr-3890	422	11	1990	1990	NUM
fsr-3890	422	12	)	)	PUNCT
fsr-3890	422	13	.	.	PUNCT
fsr-3890	423	1	believe	believe	VERB
fsr-3890	423	2	it	it	PRON
fsr-3890	423	3	or	or	CCONJ
fsr-3890	423	4	not	not	PART
fsr-3890	423	5	!	!	PUNCT
fsr-3890	424	1	longer	long	ADJ
fsr-3890	424	2	questionnaires	questionnaire	NOUN
fsr-3890	424	3	have	have	VERB
fsr-3890	424	4	lower	low	ADJ
fsr-3890	424	5	response	response	NOUN
fsr-3890	424	6	rates	rate	NOUN
fsr-3890	424	7	.	.	PUNCT
fsr-3890	425	1	journal	journal	NOUN
fsr-3890	425	2	of	of	ADP
fsr-3890	425	3	business	business	NOUN
fsr-3890	425	4	and	and	CCONJ
fsr-3890	425	5	psychology	psychology	NOUN
fsr-3890	425	6	,	,	PUNCT
fsr-3890	425	7	4,495–509	4,495–509	PROPN
fsr-3890	425	8	.	.	PUNCT
fsr-3890	426	1	roszkowski	roszkowski	PROPN
fsr-3890	426	2	,	,	PUNCT
fsr-3890	426	3	m.	m.	PROPN
fsr-3890	426	4	j.	j.	PROPN
fsr-3890	426	5	&	&	CCONJ
fsr-3890	426	6	snelbecker	snelbecker	PROPN
fsr-3890	426	7	,	,	PUNCT
fsr-3890	426	8	g.	g.	PROPN
fsr-3890	426	9	e.	e.	PROPN
fsr-3890	426	10	(	(	PUNCT
fsr-3890	426	11	1989	1989	NUM
fsr-3890	426	12	)	)	PUNCT
fsr-3890	426	13	.	.	PUNCT
fsr-3890	427	1	how	how	SCONJ
fsr-3890	427	2	much	much	ADJ
fsr-3890	427	3	risk	risk	NOUN
fsr-3890	427	4	can	can	AUX
fsr-3890	428	1	a	a	DET
fsr-3890	428	2	client	client	NOUN
fsr-3890	428	3	stand?best	stand?b	ADJ
fsr-3890	428	4	’s	’s	NOUN
fsr-3890	428	5	review	review	NOUN
fsr-3890	428	6	(	(	PUNCT
fsr-3890	428	7	life	life	NOUN
fsr-3890	428	8	/	/	SYM
fsr-3890	428	9	health	health	NOUN
fsr-3890	428	10	insurance	insurance	NOUN
fsr-3890	428	11	edition	edition	NOUN
fsr-3890	428	12	)	)	PUNCT
fsr-3890	428	13	,	,	PUNCT
fsr-3890	428	14	90	90	NUM
fsr-3890	428	15	,	,	PUNCT
fsr-3890	428	16	44–119	44–119	PROPN
fsr-3890	428	17	roszkowski	roszkowski	NOUN
fsr-3890	428	18	,	,	PUNCT
fsr-3890	428	19	m.	m.	NOUN
fsr-3890	428	20	j.	j.	PROPN
fsr-3890	428	21	,	,	PUNCT
fsr-3890	428	22	snelbecker	snelbecker	PROPN
fsr-3890	428	23	,	,	PUNCT
fsr-3890	428	24	g.	g.	PROPN
fsr-3890	428	25	e.	e.	PROPN
fsr-3890	428	26	&	&	CCONJ
fsr-3890	428	27	leimberg	leimberg	PROPN
fsr-3890	428	28	,	,	PUNCT
fsr-3890	428	29	s.	s.	PROPN
fsr-3890	428	30	r.	r.	PROPN
fsr-3890	428	31	(	(	PUNCT
fsr-3890	428	32	1993	1993	NUM
fsr-3890	428	33	)	)	PUNCT
fsr-3890	428	34	.	.	PUNCT
fsr-3890	429	1	risk	risk	NOUN
fsr-3890	429	2	tolerance	tolerance	NOUN
fsr-3890	429	3	and	and	CCONJ
fsr-3890	429	4	risk	risk	NOUN
fsr-3890	429	5	aversion	aversion	NOUN
fsr-3890	429	6	.	.	PUNCT
fsr-3890	430	1	in	in	ADP
fsr-3890	430	2	:	:	PUNCT
fsr-3890	430	3	leimberg	leimberg	PROPN
fsr-3890	430	4	,	,	PUNCT
fsr-3890	430	5	s.	s.	PROPN
fsr-3890	430	6	r.	r.	PROPN
fsr-3890	430	7	,	,	PUNCT
fsr-3890	430	8	satinsky	satinsky	ADV
fsr-3890	430	9	,	,	PUNCT
fsr-3890	430	10	m.	m.	NOUN
fsr-3890	430	11	j.	j.	PROPN
fsr-3890	430	12	,	,	PUNCT
fsr-3890	430	13	leclair	leclair	PROPN
fsr-3890	430	14	,	,	PUNCT
fsr-3890	430	15	r.	r.	PROPN
fsr-3890	430	16	t.	t.	PROPN
fsr-3890	430	17	&	&	CCONJ
fsr-3890	430	18	doyle	doyle	PROPN
fsr-3890	430	19	,	,	PUNCT
fsr-3890	430	20	r.	r.	PROPN
fsr-3890	430	21	j.	j.	PROPN
fsr-3890	430	22	jr	jr	PROPN
fsr-3890	430	23	.	.	PROPN
fsr-3890	430	24	,	,	PUNCT
fsr-3890	430	25	editors.the	editors.the	DET
fsr-3890	430	26	tools	tool	NOUN
fsr-3890	430	27	and	and	CCONJ
fsr-3890	430	28	techniques	technique	NOUN
fsr-3890	430	29	of	of	ADP
fsr-3890	430	30	financial	financial	ADJ
fsr-3890	430	31	planning	planning	NOUN
fsr-3890	430	32	(	(	PUNCT
fsr-3890	430	33	4th	4th	ADJ
fsr-3890	430	34	ed	ed	NOUN
fsr-3890	430	35	.	.	PROPN
fsr-3890	430	36	,	,	PUNCT
fsr-3890	430	37	pp	pp	ADJ
fsr-3890	430	38	.	.	PUNCT
fsr-3890	431	1	213–226	213–226	NUM
fsr-3890	431	2	)	)	PUNCT
fsr-3890	431	3	.	.	PUNCT
fsr-3890	432	1	cincinnati	cincinnati	PROPN
fsr-3890	432	2	,	,	PUNCT
fsr-3890	432	3	oh	oh	INTJ
fsr-3890	432	4	:	:	PUNCT
fsr-3890	432	5	national	national	ADJ
fsr-3890	432	6	underwriter	underwriter	NOUN
fsr-3890	432	7	.	.	PUNCT
fsr-3890	433	1	rowland	rowland	PROPN
fsr-3890	433	2	,	,	PUNCT
fsr-3890	433	3	m.	m.	NOUN
fsr-3890	433	4	(	(	PUNCT
fsr-3890	433	5	1996	1996	NUM
fsr-3890	433	6	)	)	PUNCT
fsr-3890	433	7	.	.	PUNCT
fsr-3890	434	1	the	the	DET
fsr-3890	434	2	risk	risk	NOUN
fsr-3890	434	3	quiz.bloomberg	quiz.bloomberg	PROPN
fsr-3890	434	4	personal	personal	ADJ
fsr-3890	434	5	,	,	PUNCT
fsr-3890	434	6	1,155–158	1,155–158	NUM
fsr-3890	434	7	.	.	PUNCT
fsr-3890	435	1	schooley	schooley	PROPN
fsr-3890	435	2	,	,	PUNCT
fsr-3890	435	3	d.	d.	PROPN
fsr-3890	435	4	k.	k.	PROPN
fsr-3890	435	5	&	&	CCONJ
fsr-3890	435	6	worden	worden	PROPN
fsr-3890	435	7	,	,	PUNCT
fsr-3890	435	8	d.	d.	PROPN
fsr-3890	435	9	d.	d.	PROPN
fsr-3890	435	10	(	(	PUNCT
fsr-3890	435	11	1996	1996	NUM
fsr-3890	435	12	)	)	PUNCT
fsr-3890	435	13	.	.	PUNCT
fsr-3890	436	1	risk	risk	NOUN
fsr-3890	436	2	aversion	aversion	NOUN
fsr-3890	436	3	measures	measure	NOUN
fsr-3890	436	4	:	:	PUNCT
fsr-3890	436	5	comparing	compare	VERB
fsr-3890	436	6	attitudes	attitude	NOUN
fsr-3890	436	7	and	and	CCONJ
fsr-3890	436	8	asset	asset	NOUN
fsr-3890	436	9	allocation	allocation	NOUN
fsr-3890	436	10	.	.	PUNCT
fsr-3890	437	1	financial	financial	ADJ
fsr-3890	437	2	services	service	NOUN
fsr-3890	437	3	review	review	PROPN
fsr-3890	437	4	,	,	PUNCT
fsr-3890	437	5	5,87–99	5,87–99	NUM
fsr-3890	437	6	.	.	PUNCT
fsr-3890	437	7	shefrin	shefrin	NOUN
fsr-3890	437	8	,	,	PUNCT
fsr-3890	437	9	h.	h.	PROPN
fsr-3890	437	10	&	&	CCONJ
fsr-3890	437	11	statman	statman	PROPN
fsr-3890	437	12	,	,	PUNCT
fsr-3890	437	13	m.	m.	NOUN
fsr-3890	437	14	(	(	PUNCT
fsr-3890	437	15	1985	1985	NUM
fsr-3890	437	16	)	)	PUNCT
fsr-3890	437	17	.	.	PUNCT
fsr-3890	438	1	the	the	DET
fsr-3890	438	2	disposition	disposition	NOUN
fsr-3890	438	3	to	to	PART
fsr-3890	438	4	sell	sell	VERB
fsr-3890	438	5	winners	winner	NOUN
fsr-3890	438	6	too	too	ADV
fsr-3890	438	7	early	early	ADV
fsr-3890	438	8	and	and	CCONJ
fsr-3890	438	9	ride	ride	VERB
fsr-3890	438	10	losers	loser	NOUN
fsr-3890	438	11	too	too	ADV
fsr-3890	438	12	long	long	ADV
fsr-3890	438	13	:	:	PUNCT
fsr-3890	438	14	theory	theory	NOUN
fsr-3890	438	15	and	and	CCONJ
fsr-3890	438	16	evidence.the	evidence.the	DET
fsr-3890	438	17	journal	journal	NOUN
fsr-3890	438	18	of	of	ADP
fsr-3890	438	19	finance	finance	NOUN
fsr-3890	438	20	,	,	PUNCT
fsr-3890	438	21	40,777–792	40,777–792	NUM
fsr-3890	438	22	.	.	PROPN
fsr-3890	438	23	180	180	NUM
fsr-3890	438	24	j.	j.	PROPN
fsr-3890	438	25	grable	grable	PROPN
fsr-3890	438	26	,	,	PUNCT
fsr-3890	438	27	r.h	r.h	PROPN
fsr-3890	438	28	.	.	PROPN
fsr-3890	438	29	lytton	lytton	PROPN
fsr-3890	438	30	/	/	SYM
fsr-3890	438	31	financial	financial	ADJ
fsr-3890	438	32	services	service	NOUN
fsr-3890	438	33	review	review	VERB
fsr-3890	438	34	8	8	NUM
fsr-3890	438	35	(	(	PUNCT
fsr-3890	438	36	1999	1999	NUM
fsr-3890	438	37	)	)	PUNCT
fsr-3890	438	38	163–181	163–181	NUM
fsr-3890	438	39	shefrin	shefrin	NOUN
fsr-3890	438	40	,	,	PUNCT
fsr-3890	438	41	h.	h.	PROPN
fsr-3890	438	42	&	&	CCONJ
fsr-3890	438	43	statman	statman	PROPN
fsr-3890	438	44	,	,	PUNCT
fsr-3890	438	45	m.	m.	NOUN
fsr-3890	438	46	(	(	PUNCT
fsr-3890	438	47	1993	1993	NUM
fsr-3890	438	48	)	)	PUNCT
fsr-3890	438	49	.	.	PUNCT
fsr-3890	439	1	behavioral	behavioral	ADJ
fsr-3890	439	2	aspects	aspect	NOUN
fsr-3890	439	3	of	of	ADP
fsr-3890	439	4	the	the	DET
fsr-3890	439	5	design	design	NOUN
fsr-3890	439	6	and	and	CCONJ
fsr-3890	439	7	marketing	marketing	NOUN
fsr-3890	439	8	of	of	ADP
fsr-3890	439	9	financial	financial	ADJ
fsr-3890	439	10	products.financial	products.financial	ADJ
fsr-3890	439	11	management	management	NOUN
fsr-3890	439	12	,	,	PUNCT
fsr-3890	439	13	22(2	22(2	NUM
fsr-3890	439	14	)	)	PUNCT
fsr-3890	439	15	,	,	PUNCT
fsr-3890	439	16	123–134	123–134	NUM
fsr-3890	439	17	.	.	PUNCT
fsr-3890	439	18	silva	silva	PROPN
fsr-3890	439	19	,	,	PUNCT
fsr-3890	439	20	f.	f.	PROPN
fsr-3890	439	21	(	(	PUNCT
fsr-3890	439	22	1993).psychometric	1993).psychometric	ADJ
fsr-3890	439	23	foundations	foundation	NOUN
fsr-3890	439	24	and	and	CCONJ
fsr-3890	439	25	behavioral	behavioral	ADJ
fsr-3890	439	26	assessment.thousand	assessment.thousand	PROPN
fsr-3890	439	27	oaks	oak	NOUN
fsr-3890	439	28	,	,	PUNCT
fsr-3890	439	29	ca	can	AUX
fsr-3890	439	30	:	:	PUNCT
fsr-3890	439	31	sage	sage	VERB
fsr-3890	439	32	.	.	PUNCT
fsr-3890	440	1	snelbecker	snelbecker	PROPN
fsr-3890	440	2	,	,	PUNCT
fsr-3890	440	3	g.	g.	PROPN
fsr-3890	440	4	e.	e.	PROPN
fsr-3890	440	5	,	,	PUNCT
fsr-3890	440	6	roszkowski	roszkowski	PROPN
fsr-3890	440	7	,	,	PUNCT
fsr-3890	440	8	m.	m.	NOUN
fsr-3890	440	9	j.	j.	PROPN
fsr-3890	440	10	,	,	PUNCT
fsr-3890	440	11	&	&	CCONJ
fsr-3890	440	12	cutler	cutler	PROPN
fsr-3890	440	13	,	,	PUNCT
fsr-3890	440	14	n.	n.	PROPN
fsr-3890	440	15	e.	e.	PROPN
fsr-3890	440	16	(	(	PUNCT
fsr-3890	440	17	1990	1990	NUM
fsr-3890	440	18	)	)	PUNCT
fsr-3890	440	19	.	.	PUNCT
fsr-3890	441	1	investors	investor	NOUN
fsr-3890	441	2	’	’	PART
fsr-3890	441	3	risk	risk	NOUN
fsr-3890	441	4	tolerance	tolerance	NOUN
fsr-3890	441	5	and	and	CCONJ
fsr-3890	441	6	return	return	VERB
fsr-3890	441	7	aspirations	aspiration	NOUN
fsr-3890	441	8	,	,	PUNCT
fsr-3890	441	9	and	and	CCONJ
fsr-3890	441	10	financial	financial	ADJ
fsr-3890	441	11	advisors	advisor	NOUN
fsr-3890	441	12	’	'	PUNCT
fsr-3890	441	13	interpretations	interpretation	NOUN
fsr-3890	441	14	:	:	PUNCT
fsr-3890	441	15	a	a	DET
fsr-3890	441	16	conceptual	conceptual	ADJ
fsr-3890	441	17	model	model	NOUN
fsr-3890	441	18	and	and	CCONJ
fsr-3890	441	19	exploratory	exploratory	ADJ
fsr-3890	441	20	data.the	data.the	DET
fsr-3890	441	21	journal	journal	NOUN
fsr-3890	441	22	of	of	ADP
fsr-3890	441	23	behavioral	behavioral	ADJ
fsr-3890	441	24	economics	economic	NOUN
fsr-3890	441	25	,	,	PUNCT
fsr-3890	441	26	19,377–393	19,377–393	NUM
fsr-3890	441	27	.	.	PUNCT
fsr-3890	442	1	statman	statman	PROPN
fsr-3890	442	2	,	,	PUNCT
fsr-3890	442	3	m.	m.	NOUN
fsr-3890	442	4	(	(	PUNCT
fsr-3890	442	5	1995	1995	NUM
fsr-3890	442	6	)	)	PUNCT
fsr-3890	442	7	.	.	PUNCT
fsr-3890	443	1	a	a	DET
fsr-3890	443	2	behavioral	behavioral	ADJ
fsr-3890	443	3	framework	framework	NOUN
fsr-3890	443	4	for	for	ADP
fsr-3890	443	5	dollar	dollar	NOUN
fsr-3890	443	6	-	-	PUNCT
fsr-3890	443	7	cost	cost	NOUN
fsr-3890	443	8	averaging.the	averaging.the	DET
fsr-3890	443	9	journal	journal	NOUN
fsr-3890	443	10	of	of	ADP
fsr-3890	443	11	portfolio	portfolio	NOUN
fsr-3890	443	12	management	management	NOUN
fsr-3890	443	13	,	,	PUNCT
fsr-3890	443	14	fall	fall	NOUN
fsr-3890	443	15	,	,	PUNCT
fsr-3890	443	16	70–78	70–78	NUM
fsr-3890	443	17	.	.	PUNCT
fsr-3890	444	1	sung	sung	PROPN
fsr-3890	444	2	,	,	PUNCT
fsr-3890	444	3	j.	j.	PROPN
fsr-3890	444	4	&	&	CCONJ
fsr-3890	444	5	hanna	hanna	PROPN
fsr-3890	444	6	,	,	PUNCT
fsr-3890	444	7	s.	s.	PROPN
fsr-3890	444	8	(	(	PUNCT
fsr-3890	444	9	1996	1996	NUM
fsr-3890	444	10	)	)	PUNCT
fsr-3890	444	11	.	.	PUNCT
fsr-3890	445	1	factors	factor	NOUN
fsr-3890	445	2	related	relate	VERB
fsr-3890	445	3	to	to	PART
fsr-3890	445	4	risk	risk	VERB
fsr-3890	445	5	tolerance.financial	tolerance.financial	ADJ
fsr-3890	445	6	counseling	counseling	NOUN
fsr-3890	445	7	and	and	CCONJ
fsr-3890	445	8	planning	planning	NOUN
fsr-3890	445	9	,	,	PUNCT
fsr-3890	445	10	7,11–20	7,11–20	X
fsr-3890	445	11	.	.	PUNCT
fsr-3890	445	12	tobias	tobias	PROPN
fsr-3890	445	13	,	,	PUNCT
fsr-3890	445	14	a.	a.	NOUN
fsr-3890	445	15	(	(	PUNCT
fsr-3890	445	16	1978).the	1978).the	PRON
fsr-3890	445	17	only	only	ADJ
fsr-3890	445	18	investment	investment	NOUN
fsr-3890	445	19	guide	guide	NOUN
fsr-3890	445	20	you	you	PRON
fsr-3890	445	21	’ll	’ll	AUX
fsr-3890	445	22	ever	ever	ADV
fsr-3890	445	23	need	need	VERB
fsr-3890	445	24	.	.	PUNCT
fsr-3890	446	1	new	new	PROPN
fsr-3890	446	2	york	york	PROPN
fsr-3890	446	3	:	:	PUNCT
fsr-3890	446	4	harcourt	harcourt	PROPN
fsr-3890	446	5	brace	brace	PROPN
fsr-3890	446	6	jovanovich	jovanovich	PROPN
fsr-3890	446	7	.	.	PUNCT
fsr-3890	447	1	train	train	PROPN
fsr-3890	447	2	,	,	PUNCT
fsr-3890	447	3	j.	j.	PROPN
fsr-3890	447	4	(	(	PUNCT
fsr-3890	447	5	1995	1995	NUM
fsr-3890	447	6	)	)	PUNCT
fsr-3890	447	7	.	.	PUNCT
fsr-3890	448	1	buy	buy	VERB
fsr-3890	448	2	them	they	PRON
fsr-3890	448	3	high	high	ADJ
fsr-3890	448	4	,	,	PUNCT
fsr-3890	448	5	sell	sell	VERB
fsr-3890	448	6	them	they	PRON
fsr-3890	448	7	low.financial	low.financial	ADJ
fsr-3890	448	8	times	time	NOUN
fsr-3890	448	9	,	,	PUNCT
fsr-3890	448	10	12,b14	12,b14	PROPN
fsr-3890	448	11	.	.	PUNCT
fsr-3890	449	1	yamauchi	yamauchi	PROPN
fsr-3890	449	2	,	,	PUNCT
fsr-3890	449	3	k.	k.	PROPN
fsr-3890	449	4	t.	t.	PROPN
fsr-3890	449	5	&	&	CCONJ
fsr-3890	449	6	templer	templer	PROPN
fsr-3890	449	7	,	,	PUNCT
fsr-3890	449	8	d.	d.	PROPN
fsr-3890	449	9	i.	i.	PROPN
fsr-3890	449	10	(	(	PUNCT
fsr-3890	449	11	1982	1982	NUM
fsr-3890	449	12	)	)	PUNCT
fsr-3890	449	13	.	.	PUNCT
fsr-3890	450	1	the	the	DET
fsr-3890	450	2	development	development	NOUN
fsr-3890	450	3	of	of	ADP
fsr-3890	450	4	a	a	DET
fsr-3890	450	5	money	money	NOUN
fsr-3890	450	6	attitude	attitude	NOUN
fsr-3890	450	7	scale.journal	scale.journal	ADJ
fsr-3890	450	8	of	of	ADP
fsr-3890	450	9	personality	personality	NOUN
fsr-3890	450	10	assessment	assessment	NOUN
fsr-3890	450	11	,	,	PUNCT
fsr-3890	450	12	46(5	46(5	NOUN
fsr-3890	450	13	)	)	PUNCT
fsr-3890	450	14	,	,	PUNCT
fsr-3890	450	15	522–528	522–528	NUM
fsr-3890	450	16	.	.	PUNCT
fsr-3890	450	17	yoo	yoo	PROPN
fsr-3890	450	18	,	,	PUNCT
fsr-3890	450	19	p.	p.	PROPN
fsr-3890	450	20	s.	s.	PROPN
fsr-3890	450	21	(	(	PUNCT
fsr-3890	450	22	1994	1994	NUM
fsr-3890	450	23	)	)	PUNCT
fsr-3890	450	24	.	.	PUNCT
fsr-3890	451	1	age	age	NOUN
fsr-3890	451	2	dependent	dependent	ADJ
fsr-3890	451	3	portfolio	portfolio	NOUN
fsr-3890	451	4	selection.federal	selection.federal	PROPN
fsr-3890	451	5	reserve	reserve	PROPN
fsr-3890	451	6	bank	bank	PROPN
fsr-3890	451	7	of	of	ADP
fsr-3890	451	8	st	st	PROPN
fsr-3890	451	9	.	.	PROPN
fsr-3890	451	10	louis	louis	PROPN
fsr-3890	451	11	working	working	NOUN
fsr-3890	451	12	paper	paper	NOUN
fsr-3890	451	13	94–003a	94–003a	NOUN
fsr-3890	451	14	,	,	PUNCT
fsr-3890	451	15	22	22	NUM
fsr-3890	451	16	.	.	PUNCT
fsr-3890	452	1	yuh	yuh	PROPN
fsr-3890	452	2	,	,	PUNCT
fsr-3890	452	3	y.	y.	PROPN
fsr-3890	452	4	&	&	CCONJ
fsr-3890	452	5	devaney	devaney	PROPN
fsr-3890	452	6	,	,	PUNCT
fsr-3890	452	7	s.	s.	PROPN
fsr-3890	452	8	a.	a.	PROPN
fsr-3890	452	9	(	(	PUNCT
fsr-3890	452	10	1996	1996	NUM
fsr-3890	452	11	)	)	PUNCT
fsr-3890	452	12	.	.	PUNCT
fsr-3890	453	1	determinants	determinant	NOUN
fsr-3890	453	2	of	of	ADP
fsr-3890	453	3	couples	couple	NOUN
fsr-3890	453	4	’	'	PUNCT
fsr-3890	453	5	defined	define	VERB
fsr-3890	453	6	contribution	contribution	NOUN
fsr-3890	453	7	retirement	retirement	NOUN
fsr-3890	453	8	funds.financial	funds.financial	PROPN
fsr-3890	453	9	counsel	counsel	NOUN
fsr-3890	453	10	and	and	CCONJ
fsr-3890	453	11	planning	planning	NOUN
fsr-3890	453	12	,	,	PUNCT
fsr-3890	453	13	7,31–38	7,31–38	NUM
fsr-3890	453	14	.	.	PUNCT
fsr-3890	453	15	181j	181j	NUM
fsr-3890	453	16	.	.	PUNCT
fsr-3890	454	1	grable	grable	PROPN
fsr-3890	454	2	,	,	PUNCT
fsr-3890	454	3	r.h	r.h	PROPN
fsr-3890	454	4	.	.	PROPN
fsr-3890	454	5	lytton	lytton	PROPN
fsr-3890	454	6	/	/	SYM
fsr-3890	454	7	financial	financial	ADJ
fsr-3890	454	8	services	service	NOUN
fsr-3890	454	9	review	review	VERB
fsr-3890	454	10	8	8	NUM
fsr-3890	454	11	(	(	PUNCT
fsr-3890	454	12	1999	1999	NUM
fsr-3890	454	13	)	)	PUNCT
fsr-3890	454	14	163–181	163–181	NUM