id	sid	tid	token	lemma	pos
fsr-3898	1	1	pii	pii	PROPN
fsr-3898	1	2	:	:	PUNCT
fsr-3898	1	3	s1057	s1057	NOUN
fsr-3898	1	4	-	-	PUNCT
fsr-3898	1	5	0810(00)00044	0810(00)00044	NOUN
fsr-3898	1	6	-	-	PUNCT
fsr-3898	1	7	5	5	NUM
fsr-3898	1	8	an	an	DET
fsr-3898	1	9	integrated	integrated	ADJ
fsr-3898	1	10	model	model	NOUN
fsr-3898	1	11	for	for	ADP
fsr-3898	1	12	financial	financial	ADJ
fsr-3898	1	13	planning	planning	NOUN
fsr-3898	1	14	natalie	natalie	PROPN
fsr-3898	1	15	chieffe	chieffe	PROPN
fsr-3898	1	16	*	*	PROPN
fsr-3898	1	17	,	,	PUNCT
fsr-3898	1	18	ganas	ganas	PROPN
fsr-3898	1	19	k.	k.	PROPN
fsr-3898	1	20	rakes	rake	VERB
fsr-3898	1	21	finance	finance	PROPN
fsr-3898	1	22	department	department	PROPN
fsr-3898	1	23	,	,	PUNCT
fsr-3898	1	24	ohio	ohio	PROPN
fsr-3898	1	25	university	university	PROPN
fsr-3898	1	26	,	,	PUNCT
fsr-3898	1	27	college	college	NOUN
fsr-3898	1	28	of	of	ADP
fsr-3898	1	29	business	business	NOUN
fsr-3898	1	30	,	,	PUNCT
fsr-3898	1	31	athens	athens	PROPN
fsr-3898	1	32	,	,	PUNCT
fsr-3898	1	33	oh	oh	NOUN
fsr-3898	1	34	45701	45701	NUM
fsr-3898	1	35	,	,	PUNCT
fsr-3898	1	36	usa	usa	PROPN
fsr-3898	1	37	abstract	abstract	ADJ
fsr-3898	1	38	financial	financial	ADJ
fsr-3898	1	39	planning	planning	NOUN
fsr-3898	1	40	is	be	AUX
fsr-3898	1	41	a	a	DET
fsr-3898	1	42	broad	broad	ADJ
fsr-3898	1	43	subject	subject	NOUN
fsr-3898	1	44	that	that	PRON
fsr-3898	1	45	requires	require	VERB
fsr-3898	1	46	an	an	DET
fsr-3898	1	47	integrating	integrating	NOUN
fsr-3898	1	48	overview	overview	NOUN
fsr-3898	1	49	.	.	PUNCT
fsr-3898	2	1	the	the	DET
fsr-3898	2	2	model	model	NOUN
fsr-3898	2	3	for	for	ADP
fsr-3898	2	4	financial	financial	ADJ
fsr-3898	2	5	planning	planning	NOUN
fsr-3898	2	6	incorporates	incorporate	VERB
fsr-3898	2	7	the	the	DET
fsr-3898	2	8	time	time	NOUN
fsr-3898	2	9	and	and	CCONJ
fsr-3898	2	10	the	the	DET
fsr-3898	2	11	expected	expect	VERB
fsr-3898	2	12	nature	nature	NOUN
fsr-3898	2	13	of	of	ADP
fsr-3898	2	14	financial	financial	ADJ
fsr-3898	2	15	events	event	NOUN
fsr-3898	2	16	.	.	PUNCT
fsr-3898	3	1	the	the	DET
fsr-3898	3	2	categories	category	NOUN
fsr-3898	3	3	of	of	ADP
fsr-3898	3	4	the	the	DET
fsr-3898	3	5	model	model	NOUN
fsr-3898	3	6	include	include	VERB
fsr-3898	3	7	1	1	NUM
fsr-3898	3	8	)	)	PUNCT
fsr-3898	3	9	money	money	NOUN
fsr-3898	3	10	management	management	NOUN
fsr-3898	3	11	issues	issue	NOUN
fsr-3898	3	12	that	that	PRON
fsr-3898	3	13	the	the	DET
fsr-3898	3	14	individual	individual	ADJ
fsr-3898	3	15	faces	face	VERB
fsr-3898	3	16	as	as	ADP
fsr-3898	3	17	short	short	ADJ
fsr-3898	3	18	-	-	PUNCT
fsr-3898	3	19	term	term	NOUN
fsr-3898	3	20	expected	expect	VERB
fsr-3898	3	21	events	event	NOUN
fsr-3898	3	22	,	,	PUNCT
fsr-3898	3	23	2	2	X
fsr-3898	3	24	)	)	PUNCT
fsr-3898	3	25	issues	issue	NOUN
fsr-3898	3	26	of	of	ADP
fsr-3898	3	27	meeting	meet	VERB
fsr-3898	3	28	unexpected	unexpected	ADJ
fsr-3898	3	29	financial	financial	ADJ
fsr-3898	3	30	events	event	NOUN
fsr-3898	3	31	through	through	ADP
fsr-3898	3	32	an	an	DET
fsr-3898	3	33	emergency	emergency	NOUN
fsr-3898	3	34	fund	fund	NOUN
fsr-3898	3	35	and	and	CCONJ
fsr-3898	3	36	insurance	insurance	NOUN
fsr-3898	3	37	,	,	PUNCT
fsr-3898	3	38	3	3	X
fsr-3898	3	39	)	)	PUNCT
fsr-3898	3	40	investing	invest	VERB
fsr-3898	3	41	to	to	PART
fsr-3898	3	42	reach	reach	VERB
fsr-3898	3	43	the	the	DET
fsr-3898	3	44	individual	individual	NOUN
fsr-3898	3	45	’s	’s	PART
fsr-3898	3	46	intermediate	intermediate	ADJ
fsr-3898	3	47	and	and	CCONJ
fsr-3898	3	48	long	long	ADJ
fsr-3898	3	49	-	-	PUNCT
fsr-3898	3	50	term	term	NOUN
fsr-3898	3	51	goals	goal	NOUN
fsr-3898	3	52	,	,	PUNCT
fsr-3898	3	53	4	4	X
fsr-3898	3	54	)	)	PUNCT
fsr-3898	3	55	transference	transference	NOUN
fsr-3898	3	56	planning	planning	NOUN
fsr-3898	3	57	and	and	CCONJ
fsr-3898	3	58	other	other	ADJ
fsr-3898	3	59	long	long	ADJ
fsr-3898	3	60	-	-	PUNCT
fsr-3898	3	61	term	term	NOUN
fsr-3898	3	62	issues	issue	NOUN
fsr-3898	3	63	whose	whose	DET
fsr-3898	3	64	time	time	NOUN
fsr-3898	3	65	frame	frame	NOUN
fsr-3898	3	66	is	be	AUX
fsr-3898	3	67	unknown	unknown	ADJ
fsr-3898	3	68	.	.	PUNCT
fsr-3898	4	1	the	the	DET
fsr-3898	4	2	model	model	NOUN
fsr-3898	4	3	has	have	VERB
fsr-3898	4	4	applications	application	NOUN
fsr-3898	4	5	for	for	ADP
fsr-3898	4	6	“	"	PUNCT
fsr-3898	4	7	do	do	AUX
fsr-3898	4	8	it	it	PRON
fsr-3898	4	9	yourself	yourself	PRON
fsr-3898	4	10	”	"	PUNCT
fsr-3898	4	11	investors	investor	NOUN
fsr-3898	4	12	,	,	PUNCT
fsr-3898	4	13	financial	financial	ADJ
fsr-3898	4	14	planners	planner	NOUN
fsr-3898	4	15	,	,	PUNCT
fsr-3898	4	16	and	and	CCONJ
fsr-3898	4	17	students	student	NOUN
fsr-3898	4	18	.	.	PUNCT
fsr-3898	5	1	the	the	DET
fsr-3898	5	2	framework	framework	NOUN
fsr-3898	5	3	successfully	successfully	ADV
fsr-3898	5	4	integrates	integrate	VERB
fsr-3898	5	5	the	the	DET
fsr-3898	5	6	broad	broad	ADJ
fsr-3898	5	7	range	range	NOUN
fsr-3898	5	8	of	of	ADP
fsr-3898	5	9	topics	topic	NOUN
fsr-3898	5	10	typically	typically	ADV
fsr-3898	5	11	covered	cover	VERB
fsr-3898	5	12	in	in	ADP
fsr-3898	5	13	financial	financial	ADJ
fsr-3898	5	14	planning	planning	NOUN
fsr-3898	5	15	and	and	CCONJ
fsr-3898	5	16	personal	personal	ADJ
fsr-3898	5	17	finance	finance	NOUN
fsr-3898	5	18	courses	course	NOUN
fsr-3898	5	19	.	.	PUNCT
fsr-3898	6	1	©	©	PROPN
fsr-3898	6	2	1999	1999	NUM
fsr-3898	6	3	elsevier	elsevier	PROPN
fsr-3898	6	4	science	science	PROPN
fsr-3898	6	5	inc	inc	PROPN
fsr-3898	6	6	.	.	PUNCT
fsr-3898	7	1	all	all	DET
fsr-3898	7	2	rights	right	NOUN
fsr-3898	7	3	reserved	reserve	VERB
fsr-3898	7	4	.	.	PUNCT
fsr-3898	8	1	jel	jel	PROPN
fsr-3898	8	2	classification	classification	PROPN
fsr-3898	8	3	:	:	PUNCT
fsr-3898	8	4	a22	a22	PROPN
fsr-3898	8	5	,	,	PUNCT
fsr-3898	8	6	g29	g29	NOUN
fsr-3898	8	7	keywords	keyword	NOUN
fsr-3898	8	8	:	:	PUNCT
fsr-3898	8	9	financial	financial	ADJ
fsr-3898	8	10	planning	planning	NOUN
fsr-3898	8	11	;	;	PUNCT
fsr-3898	8	12	financial	financial	ADJ
fsr-3898	8	13	education	education	NOUN
fsr-3898	8	14	1	1	NUM
fsr-3898	8	15	.	.	PUNCT
fsr-3898	9	1	introduction	introduction	NOUN
fsr-3898	9	2	financial	financial	ADJ
fsr-3898	9	3	planning	planning	NOUN
fsr-3898	9	4	and	and	CCONJ
fsr-3898	9	5	personal	personal	ADJ
fsr-3898	9	6	finance	finance	NOUN
fsr-3898	9	7	are	be	AUX
fsr-3898	9	8	topics	topic	NOUN
fsr-3898	9	9	of	of	ADP
fsr-3898	9	10	growing	grow	VERB
fsr-3898	9	11	student	student	NOUN
fsr-3898	9	12	interest	interest	NOUN
fsr-3898	9	13	and	and	CCONJ
fsr-3898	9	14	of	of	ADP
fsr-3898	9	15	concern	concern	NOUN
fsr-3898	9	16	for	for	ADP
fsr-3898	9	17	many	many	ADJ
fsr-3898	9	18	adults	adult	NOUN
fsr-3898	9	19	.	.	PUNCT
fsr-3898	10	1	the	the	DET
fsr-3898	10	2	field	field	NOUN
fsr-3898	10	3	is	be	AUX
fsr-3898	10	4	well	well	ADV
fsr-3898	10	5	supplied	supply	VERB
fsr-3898	10	6	with	with	ADP
fsr-3898	10	7	books	book	NOUN
fsr-3898	10	8	and	and	CCONJ
fsr-3898	10	9	articles	article	NOUN
fsr-3898	10	10	in	in	ADP
fsr-3898	10	11	publications	publication	NOUN
fsr-3898	10	12	ranging	range	VERB
fsr-3898	10	13	from	from	ADP
fsr-3898	10	14	the	the	DET
fsr-3898	10	15	popular	popular	ADJ
fsr-3898	10	16	press	press	NOUN
fsr-3898	10	17	to	to	ADP
fsr-3898	10	18	academic	academic	ADJ
fsr-3898	10	19	journals	journal	NOUN
fsr-3898	10	20	.	.	PUNCT
fsr-3898	11	1	for	for	ADP
fsr-3898	11	2	example	example	NOUN
fsr-3898	11	3	,	,	PUNCT
fsr-3898	11	4	eaton	eaton	PROPN
fsr-3898	11	5	(	(	PUNCT
fsr-3898	11	6	1993	1993	NUM
fsr-3898	11	7	)	)	PUNCT
fsr-3898	11	8	discusses	discuss	VERB
fsr-3898	11	9	saving	save	VERB
fsr-3898	11	10	for	for	ADP
fsr-3898	11	11	retirement	retirement	NOUN
fsr-3898	11	12	,	,	PUNCT
fsr-3898	11	13	fevurly	fevurly	ADV
fsr-3898	11	14	(	(	PUNCT
fsr-3898	11	15	1991	1991	NUM
fsr-3898	11	16	)	)	PUNCT
fsr-3898	11	17	describes	describe	VERB
fsr-3898	11	18	how	how	SCONJ
fsr-3898	11	19	to	to	PART
fsr-3898	11	20	save	save	VERB
fsr-3898	11	21	for	for	ADP
fsr-3898	11	22	children	child	NOUN
fsr-3898	11	23	’s	’s	PART
fsr-3898	11	24	college	college	NOUN
fsr-3898	11	25	education	education	NOUN
fsr-3898	11	26	,	,	PUNCT
fsr-3898	11	27	gray	gray	ADJ
fsr-3898	11	28	(	(	PUNCT
fsr-3898	11	29	1993	1993	NUM
fsr-3898	11	30	)	)	PUNCT
fsr-3898	11	31	illustrates	illustrate	VERB
fsr-3898	11	32	the	the	DET
fsr-3898	11	33	effect	effect	NOUN
fsr-3898	11	34	of	of	ADP
fsr-3898	11	35	inflation	inflation	NOUN
fsr-3898	11	36	on	on	ADP
fsr-3898	11	37	savings	saving	NOUN
fsr-3898	11	38	,	,	PUNCT
fsr-3898	11	39	clements	clements	PROPN
fsr-3898	11	40	(	(	PUNCT
fsr-3898	11	41	1993a	1993a	NUM
fsr-3898	11	42	,	,	PUNCT
fsr-3898	11	43	b	b	X
fsr-3898	11	44	)	)	PUNCT
fsr-3898	11	45	explains	explain	VERB
fsr-3898	11	46	the	the	DET
fsr-3898	11	47	importance	importance	NOUN
fsr-3898	11	48	of	of	ADP
fsr-3898	11	49	diversification	diversification	NOUN
fsr-3898	11	50	.	.	PUNCT
fsr-3898	12	1	except	except	SCONJ
fsr-3898	12	2	for	for	ADP
fsr-3898	12	3	textbooks	textbook	NOUN
fsr-3898	12	4	and	and	CCONJ
fsr-3898	12	5	general	general	ADJ
fsr-3898	12	6	financial	financial	ADJ
fsr-3898	12	7	guides	guide	NOUN
fsr-3898	12	8	,	,	PUNCT
fsr-3898	12	9	most	most	ADJ
fsr-3898	12	10	of	of	ADP
fsr-3898	12	11	these	these	DET
fsr-3898	12	12	sources	source	NOUN
fsr-3898	12	13	deal	deal	VERB
fsr-3898	12	14	with	with	ADP
fsr-3898	12	15	a	a	DET
fsr-3898	12	16	single	single	ADJ
fsr-3898	12	17	aspect	aspect	NOUN
fsr-3898	12	18	,	,	PUNCT
fsr-3898	12	19	product	product	NOUN
fsr-3898	12	20	or	or	CCONJ
fsr-3898	12	21	problem	problem	NOUN
fsr-3898	12	22	in	in	ADP
fsr-3898	12	23	the	the	DET
fsr-3898	12	24	area	area	NOUN
fsr-3898	12	25	of	of	ADP
fsr-3898	12	26	financial	financial	ADJ
fsr-3898	12	27	planning	planning	NOUN
fsr-3898	12	28	.	.	PUNCT
fsr-3898	13	1	*	*	PUNCT
fsr-3898	13	2	corresponding	correspond	VERB
fsr-3898	13	3	author	author	NOUN
fsr-3898	13	4	.	.	PUNCT
fsr-3898	14	1	tel.:11	tel.:11	VERB
fsr-3898	14	2	-	-	PUNCT
fsr-3898	14	3	740	740	NUM
fsr-3898	14	4	-	-	PUNCT
fsr-3898	14	5	593	593	NUM
fsr-3898	14	6	-	-	PUNCT
fsr-3898	14	7	9320	9320	NUM
fsr-3898	14	8	;	;	PUNCT
fsr-3898	14	9	fax:11	fax:11	NOUN
fsr-3898	14	10	-	-	PUNCT
fsr-3898	14	11	740	740	NUM
fsr-3898	14	12	-	-	PUNCT
fsr-3898	14	13	593	593	NUM
fsr-3898	14	14	-	-	NUM
fsr-3898	14	15	9539	9539	NUM
fsr-3898	14	16	.	.	PUNCT
fsr-3898	15	1	e	e	X
fsr-3898	15	2	-	-	NOUN
fsr-3898	15	3	mail	mail	NOUN
fsr-3898	15	4	address:chieffe@ohio.edu	address:chieffe@ohio.edu	PROPN
fsr-3898	15	5	(	(	PUNCT
fsr-3898	15	6	n.	n.	NOUN
fsr-3898	15	7	chieffe	chieffe	PROPN
fsr-3898	15	8	)	)	PUNCT
fsr-3898	15	9	.	.	PUNCT
fsr-3898	16	1	financial	financial	ADJ
fsr-3898	16	2	services	service	NOUN
fsr-3898	16	3	review	review	VERB
fsr-3898	16	4	8	8	NUM
fsr-3898	16	5	(	(	PUNCT
fsr-3898	16	6	1999	1999	NUM
fsr-3898	16	7	)	)	PUNCT
fsr-3898	17	1	261–268	261–268	NUM
fsr-3898	17	2	1057	1057	NUM
fsr-3898	17	3	-	-	SYM
fsr-3898	17	4	0810/99/$	0810/99/$	NUM
fsr-3898	17	5	–	–	PUNCT
fsr-3898	17	6	see	see	VERB
fsr-3898	17	7	front	front	ADJ
fsr-3898	17	8	matter	matter	NOUN
fsr-3898	17	9	©	©	PROPN
fsr-3898	17	10	1999	1999	NUM
fsr-3898	17	11	elsevier	elsevier	PROPN
fsr-3898	17	12	science	science	PROPN
fsr-3898	17	13	inc	inc	PROPN
fsr-3898	17	14	.	.	PUNCT
fsr-3898	18	1	all	all	DET
fsr-3898	18	2	rights	right	NOUN
fsr-3898	18	3	reserved	reserve	VERB
fsr-3898	18	4	.	.	PUNCT
fsr-3898	19	1	pii	pii	NOUN
fsr-3898	19	2	:	:	PUNCT
fsr-3898	19	3	s1057	s1057	NOUN
fsr-3898	19	4	-	-	PUNCT
fsr-3898	19	5	0810(00)00044	0810(00)00044	NOUN
fsr-3898	19	6	-	-	PUNCT
fsr-3898	19	7	5	5	NUM
fsr-3898	19	8	the	the	DET
fsr-3898	19	9	general	general	ADJ
fsr-3898	19	10	topic	topic	NOUN
fsr-3898	19	11	of	of	ADP
fsr-3898	19	12	financial	financial	ADJ
fsr-3898	19	13	planning	planning	NOUN
fsr-3898	19	14	and	and	CCONJ
fsr-3898	19	15	personal	personal	ADJ
fsr-3898	19	16	finance	finance	NOUN
fsr-3898	19	17	is	be	AUX
fsr-3898	19	18	so	so	ADV
fsr-3898	19	19	broad	broad	ADJ
fsr-3898	19	20	and	and	CCONJ
fsr-3898	19	21	has	have	VERB
fsr-3898	19	22	so	so	ADV
fsr-3898	19	23	many	many	ADJ
fsr-3898	19	24	subtopics	subtopic	NOUN
fsr-3898	19	25	that	that	SCONJ
fsr-3898	19	26	it	it	PRON
fsr-3898	19	27	is	be	AUX
fsr-3898	19	28	very	very	ADV
fsr-3898	19	29	interesting	interesting	ADJ
fsr-3898	19	30	to	to	PART
fsr-3898	19	31	teach	teach	VERB
fsr-3898	19	32	.	.	PUNCT
fsr-3898	20	1	but	but	CCONJ
fsr-3898	20	2	it	it	PRON
fsr-3898	20	3	is	be	AUX
fsr-3898	20	4	difficult	difficult	ADJ
fsr-3898	20	5	to	to	PART
fsr-3898	20	6	keep	keep	VERB
fsr-3898	20	7	the	the	DET
fsr-3898	20	8	material	material	NOUN
fsr-3898	20	9	organized	organize	VERB
fsr-3898	20	10	so	so	SCONJ
fsr-3898	20	11	that	that	SCONJ
fsr-3898	20	12	the	the	DET
fsr-3898	20	13	relative	relative	ADJ
fsr-3898	20	14	importance	importance	NOUN
fsr-3898	20	15	of	of	ADP
fsr-3898	20	16	each	each	DET
fsr-3898	20	17	area	area	NOUN
fsr-3898	20	18	is	be	AUX
fsr-3898	20	19	clear	clear	ADJ
fsr-3898	20	20	.	.	PUNCT
fsr-3898	21	1	this	this	DET
fsr-3898	21	2	paper	paper	NOUN
fsr-3898	21	3	presents	present	VERB
fsr-3898	21	4	a	a	DET
fsr-3898	21	5	process	process	NOUN
fsr-3898	21	6	or	or	CCONJ
fsr-3898	21	7	model	model	NOUN
fsr-3898	21	8	that	that	PRON
fsr-3898	21	9	provides	provide	VERB
fsr-3898	21	10	an	an	DET
fsr-3898	21	11	integrating	integrate	VERB
fsr-3898	21	12	overview	overview	NOUN
fsr-3898	21	13	of	of	ADP
fsr-3898	21	14	financial	financial	ADJ
fsr-3898	21	15	planning	planning	NOUN
fsr-3898	21	16	that	that	PRON
fsr-3898	21	17	could	could	AUX
fsr-3898	21	18	be	be	AUX
fsr-3898	21	19	useful	useful	ADJ
fsr-3898	21	20	to	to	PART
fsr-3898	21	21	furnish	furnish	VERB
fsr-3898	21	22	a	a	DET
fsr-3898	21	23	focus	focus	NOUN
fsr-3898	21	24	that	that	PRON
fsr-3898	21	25	cuts	cut	VERB
fsr-3898	21	26	across	across	ADP
fsr-3898	21	27	topics	topic	NOUN
fsr-3898	21	28	and	and	CCONJ
fsr-3898	21	29	products	product	NOUN
fsr-3898	21	30	.	.	PUNCT
fsr-3898	22	1	the	the	DET
fsr-3898	22	2	approach	approach	NOUN
fsr-3898	22	3	outlined	outline	VERB
fsr-3898	22	4	below	below	ADV
fsr-3898	22	5	was	be	AUX
fsr-3898	22	6	used	use	VERB
fsr-3898	22	7	in	in	ADP
fsr-3898	22	8	financial	financial	ADJ
fsr-3898	22	9	planning	planning	NOUN
fsr-3898	22	10	classes	class	NOUN
fsr-3898	22	11	at	at	ADP
fsr-3898	22	12	two	two	NUM
fsr-3898	22	13	universities	university	NOUN
fsr-3898	22	14	and	and	CCONJ
fsr-3898	22	15	in	in	ADP
fsr-3898	22	16	seminars	seminar	NOUN
fsr-3898	22	17	for	for	ADP
fsr-3898	22	18	working	working	NOUN
fsr-3898	22	19	adults	adult	NOUN
fsr-3898	22	20	.	.	PUNCT
fsr-3898	23	1	the	the	DET
fsr-3898	23	2	typical	typical	ADJ
fsr-3898	23	3	reaction	reaction	NOUN
fsr-3898	23	4	from	from	ADP
fsr-3898	23	5	the	the	DET
fsr-3898	23	6	adults	adult	NOUN
fsr-3898	23	7	is	be	AUX
fsr-3898	23	8	,	,	PUNCT
fsr-3898	23	9	“	"	PUNCT
fsr-3898	23	10	this	this	PRON
fsr-3898	23	11	makes	make	VERB
fsr-3898	23	12	sense	sense	NOUN
fsr-3898	23	13	.	.	PUNCT
fsr-3898	24	1	it	it	PRON
fsr-3898	24	2	is	be	AUX
fsr-3898	24	3	so	so	ADV
fsr-3898	24	4	clear	clear	ADJ
fsr-3898	24	5	.	.	PUNCT
fsr-3898	25	1	why	why	SCONJ
fsr-3898	25	2	did	do	AUX
fsr-3898	25	3	n’t	not	PART
fsr-3898	25	4	i	i	PRON
fsr-3898	25	5	think	think	VERB
fsr-3898	25	6	of	of	ADP
fsr-3898	25	7	it	it	PRON
fsr-3898	25	8	myself	myself	PRON
fsr-3898	25	9	?	?	PUNCT
fsr-3898	25	10	”	"	PUNCT
fsr-3898	26	1	the	the	DET
fsr-3898	26	2	approach	approach	NOUN
fsr-3898	26	3	has	have	AUX
fsr-3898	26	4	been	be	AUX
fsr-3898	26	5	useful	useful	ADJ
fsr-3898	26	6	in	in	ADP
fsr-3898	26	7	organizing	organize	VERB
fsr-3898	26	8	the	the	DET
fsr-3898	26	9	college	college	NOUN
fsr-3898	26	10	course	course	NOUN
fsr-3898	26	11	syllabus	syllabus	NOUN
fsr-3898	26	12	.	.	PUNCT
fsr-3898	27	1	the	the	DET
fsr-3898	27	2	students	student	NOUN
fsr-3898	27	3	in	in	ADP
fsr-3898	27	4	these	these	DET
fsr-3898	27	5	classes	class	NOUN
fsr-3898	27	6	have	have	AUX
fsr-3898	27	7	stated	state	VERB
fsr-3898	27	8	that	that	SCONJ
fsr-3898	27	9	the	the	DET
fsr-3898	27	10	model	model	NOUN
fsr-3898	27	11	helped	help	VERB
fsr-3898	27	12	them	they	PRON
fsr-3898	27	13	see	see	VERB
fsr-3898	27	14	how	how	SCONJ
fsr-3898	27	15	the	the	DET
fsr-3898	27	16	topics	topic	NOUN
fsr-3898	27	17	relate	relate	VERB
fsr-3898	27	18	to	to	ADP
fsr-3898	27	19	each	each	DET
fsr-3898	27	20	other	other	ADJ
fsr-3898	27	21	.	.	PUNCT
fsr-3898	28	1	the	the	DET
fsr-3898	28	2	model	model	NOUN
fsr-3898	28	3	also	also	ADV
fsr-3898	28	4	has	have	VERB
fsr-3898	28	5	applications	application	NOUN
fsr-3898	28	6	to	to	PART
fsr-3898	28	7	help	help	VERB
fsr-3898	28	8	“	"	PUNCT
fsr-3898	28	9	do	do	VERB
fsr-3898	28	10	it	it	PRON
fsr-3898	28	11	yourself	yourself	PRON
fsr-3898	28	12	”	"	PUNCT
fsr-3898	28	13	investors	investor	NOUN
fsr-3898	28	14	and	and	CCONJ
fsr-3898	28	15	financial	financial	ADJ
fsr-3898	28	16	planners	planner	NOUN
fsr-3898	28	17	.	.	PUNCT
fsr-3898	29	1	the	the	DET
fsr-3898	29	2	framework	framework	NOUN
fsr-3898	29	3	integrates	integrate	VERB
fsr-3898	29	4	the	the	DET
fsr-3898	29	5	broad	broad	ADJ
fsr-3898	29	6	range	range	NOUN
fsr-3898	29	7	of	of	ADP
fsr-3898	29	8	topics	topic	NOUN
fsr-3898	29	9	and	and	CCONJ
fsr-3898	29	10	products	product	NOUN
fsr-3898	29	11	typically	typically	ADV
fsr-3898	29	12	covered	cover	VERB
fsr-3898	29	13	in	in	ADP
fsr-3898	29	14	financial	financial	ADJ
fsr-3898	29	15	planning	planning	NOUN
fsr-3898	29	16	and	and	CCONJ
fsr-3898	29	17	personal	personal	ADJ
fsr-3898	29	18	finance	finance	NOUN
fsr-3898	29	19	courses	course	NOUN
fsr-3898	29	20	.	.	PUNCT
fsr-3898	30	1	it	it	PRON
fsr-3898	30	2	is	be	AUX
fsr-3898	30	3	introduced	introduce	VERB
fsr-3898	30	4	to	to	ADP
fsr-3898	30	5	students	student	NOUN
fsr-3898	30	6	at	at	ADP
fsr-3898	30	7	the	the	DET
fsr-3898	30	8	beginning	beginning	NOUN
fsr-3898	30	9	of	of	ADP
fsr-3898	30	10	the	the	DET
fsr-3898	30	11	course	course	NOUN
fsr-3898	30	12	as	as	ADP
fsr-3898	30	13	a	a	DET
fsr-3898	30	14	part	part	NOUN
fsr-3898	30	15	of	of	ADP
fsr-3898	30	16	the	the	DET
fsr-3898	30	17	overview	overview	NOUN
fsr-3898	30	18	of	of	ADP
fsr-3898	30	19	financial	financial	ADJ
fsr-3898	30	20	planning	planning	NOUN
fsr-3898	30	21	.	.	PUNCT
fsr-3898	31	1	the	the	DET
fsr-3898	31	2	model	model	NOUN
fsr-3898	31	3	is	be	AUX
fsr-3898	31	4	also	also	ADV
fsr-3898	31	5	used	use	VERB
fsr-3898	31	6	in	in	ADP
fsr-3898	31	7	principles	principle	NOUN
fsr-3898	31	8	of	of	ADP
fsr-3898	31	9	insurance	insurance	NOUN
fsr-3898	31	10	and	and	CCONJ
fsr-3898	31	11	principals	principal	NOUN
fsr-3898	31	12	of	of	ADP
fsr-3898	31	13	investments	investment	NOUN
fsr-3898	31	14	classes	class	NOUN
fsr-3898	31	15	to	to	PART
fsr-3898	31	16	help	help	VERB
fsr-3898	31	17	students	student	NOUN
fsr-3898	31	18	perceive	perceive	VERB
fsr-3898	31	19	the	the	DET
fsr-3898	31	20	role	role	NOUN
fsr-3898	31	21	of	of	ADP
fsr-3898	31	22	the	the	DET
fsr-3898	31	23	individual	individual	ADJ
fsr-3898	31	24	course	course	NOUN
fsr-3898	31	25	material	material	NOUN
fsr-3898	31	26	in	in	ADP
fsr-3898	31	27	the	the	DET
fsr-3898	31	28	broader	broad	ADJ
fsr-3898	31	29	context	context	NOUN
fsr-3898	31	30	of	of	ADP
fsr-3898	31	31	financial	financial	ADJ
fsr-3898	31	32	planning	planning	NOUN
fsr-3898	31	33	.	.	PUNCT
fsr-3898	32	1	thus	thus	ADV
fsr-3898	32	2	,	,	PUNCT
fsr-3898	32	3	this	this	DET
fsr-3898	32	4	integrated	integrate	VERB
fsr-3898	32	5	model	model	NOUN
fsr-3898	32	6	for	for	ADP
fsr-3898	32	7	financial	financial	ADJ
fsr-3898	32	8	planning	planning	NOUN
fsr-3898	32	9	has	have	AUX
fsr-3898	32	10	proven	prove	VERB
fsr-3898	32	11	to	to	PART
fsr-3898	32	12	be	be	AUX
fsr-3898	32	13	a	a	DET
fsr-3898	32	14	useful	useful	ADJ
fsr-3898	32	15	contribution	contribution	NOUN
fsr-3898	32	16	to	to	ADP
fsr-3898	32	17	the	the	DET
fsr-3898	32	18	teaching	teaching	NOUN
fsr-3898	32	19	and	and	CCONJ
fsr-3898	32	20	learning	learning	NOUN
fsr-3898	32	21	process	process	NOUN
fsr-3898	32	22	in	in	ADP
fsr-3898	32	23	these	these	DET
fsr-3898	32	24	related	relate	VERB
fsr-3898	32	25	areas	area	NOUN
fsr-3898	32	26	.	.	PUNCT
fsr-3898	33	1	2	2	X
fsr-3898	33	2	.	.	X
fsr-3898	33	3	the	the	DET
fsr-3898	33	4	model	model	NOUN
fsr-3898	33	5	the	the	DET
fsr-3898	33	6	model	model	NOUN
fsr-3898	33	7	,	,	PUNCT
fsr-3898	33	8	as	as	SCONJ
fsr-3898	33	9	shown	show	VERB
fsr-3898	33	10	in	in	ADP
fsr-3898	33	11	table	table	NOUN
fsr-3898	33	12	1	1	NUM
fsr-3898	33	13	,	,	PUNCT
fsr-3898	33	14	is	be	AUX
fsr-3898	33	15	a	a	DET
fsr-3898	33	16	23	23	NUM
fsr-3898	33	17	2	2	NUM
fsr-3898	33	18	matrix	matrix	NOUN
fsr-3898	33	19	that	that	PRON
fsr-3898	33	20	symbolizes	symbolize	VERB
fsr-3898	33	21	the	the	DET
fsr-3898	33	22	area	area	NOUN
fsr-3898	33	23	positioning	positioning	NOUN
fsr-3898	33	24	for	for	ADP
fsr-3898	33	25	the	the	DET
fsr-3898	33	26	various	various	ADJ
fsr-3898	33	27	topics	topic	NOUN
fsr-3898	33	28	in	in	ADP
fsr-3898	33	29	financial	financial	ADJ
fsr-3898	33	30	planning	planning	NOUN
fsr-3898	33	31	and	and	CCONJ
fsr-3898	33	32	personal	personal	ADJ
fsr-3898	33	33	finance	finance	NOUN
fsr-3898	33	34	.	.	PUNCT
fsr-3898	34	1	each	each	DET
fsr-3898	34	2	topic	topic	NOUN
fsr-3898	34	3	that	that	PRON
fsr-3898	34	4	is	be	AUX
fsr-3898	34	5	discussed	discuss	VERB
fsr-3898	34	6	table	table	NOUN
fsr-3898	34	7	1	1	NUM
fsr-3898	34	8	the	the	DET
fsr-3898	34	9	financial	financial	ADJ
fsr-3898	34	10	planning	planning	NOUN
fsr-3898	34	11	model	model	NOUN
fsr-3898	34	12	current	current	ADJ
fsr-3898	34	13	period	period	NOUN
fsr-3898	34	14	future	future	ADJ
fsr-3898	34	15	period	period	NOUN
fsr-3898	34	16	planned	plan	VERB
fsr-3898	34	17	financial	financial	ADJ
fsr-3898	34	18	events	event	NOUN
fsr-3898	34	19	money	money	NOUN
fsr-3898	34	20	management	management	NOUN
fsr-3898	34	21	investing	invest	VERB
fsr-3898	34	22	for	for	ADP
fsr-3898	34	23	goals	goal	NOUN
fsr-3898	34	24	budgetinga	budgetinga	VERB
fsr-3898	34	25	investment	investment	NOUN
fsr-3898	34	26	planninga	planninga	NOUN
fsr-3898	34	27	income	income	NOUN
fsr-3898	34	28	(	(	PUNCT
fsr-3898	34	29	education	education	NOUN
fsr-3898	34	30	planninga	planninga	NOUN
fsr-3898	34	31	living	living	NOUN
fsr-3898	34	32	expenses	expense	NOUN
fsr-3898	34	33	and	and	CCONJ
fsr-3898	34	34	other	other	ADJ
fsr-3898	34	35	lt	lt	NOUN
fsr-3898	34	36	or	or	CCONJ
fsr-3898	34	37	it	it	PRON
fsr-3898	34	38	goals	goal	NOUN
fsr-3898	34	39	):	):	PUNCT
fsr-3898	34	40	savings	saving	NOUN
fsr-3898	34	41	stocks	stock	NOUN
fsr-3898	34	42	and	and	CCONJ
fsr-3898	34	43	bonds	bond	NOUN
fsr-3898	34	44	credit	credit	NOUN
fsr-3898	34	45	mutual	mutual	ADJ
fsr-3898	34	46	funds	fund	NOUN
fsr-3898	34	47	real	real	ADJ
fsr-3898	34	48	estate	estate	NOUN
fsr-3898	34	49	income	income	NOUN
fsr-3898	34	50	tax	tax	NOUN
fsr-3898	34	51	planninga	planninga	NOUN
fsr-3898	34	52	:	:	PUNCT
fsr-3898	34	53	retirement	retirement	NOUN
fsr-3898	34	54	planninga	planninga	NOUN
fsr-3898	34	55	:	:	PUNCT
fsr-3898	34	56	gifts	gift	NOUN
fsr-3898	34	57	pension	pension	NOUN
fsr-3898	34	58	funds	fund	NOUN
fsr-3898	34	59	taxes	tax	VERB
fsr-3898	34	60	iras	ira	NOUN
fsr-3898	34	61	&	&	CCONJ
fsr-3898	34	62	annuities	annuity	NOUN
fsr-3898	34	63	401ks	401ks	NOUN
fsr-3898	34	64	and	and	CCONJ
fsr-3898	34	65	403bs	403bs	NOUN
fsr-3898	34	66	unplanned	unplanned	ADJ
fsr-3898	34	67	financial	financial	ADJ
fsr-3898	34	68	events	event	NOUN
fsr-3898	34	69	emergency	emergency	NOUN
fsr-3898	34	70	planning	planning	NOUN
fsr-3898	34	71	transference	transference	NOUN
fsr-3898	34	72	planning	planning	NOUN
fsr-3898	34	73	risk	risk	NOUN
fsr-3898	34	74	managementa	managementa	NOUN
fsr-3898	34	75	:	:	PUNCT
fsr-3898	34	76	estate	estate	NOUN
fsr-3898	34	77	planninga	planninga	NOUN
fsr-3898	34	78	:	:	PUNCT
fsr-3898	34	79	emergency	emergency	NOUN
fsr-3898	34	80	fund	fund	NOUN
fsr-3898	34	81	wills	will	NOUN
fsr-3898	34	82	line	line	NOUN
fsr-3898	34	83	of	of	ADP
fsr-3898	34	84	credit	credit	NOUN
fsr-3898	34	85	tax	tax	NOUN
fsr-3898	34	86	planning	planning	NOUN
fsr-3898	34	87	insurance	insurance	NOUN
fsr-3898	34	88	:	:	PUNCT
fsr-3898	34	89	trusts	trust	VERB
fsr-3898	34	90	property	property	NOUN
fsr-3898	34	91	life	life	NOUN
fsr-3898	34	92	insurance	insurance	NOUN
fsr-3898	34	93	health	health	NOUN
fsr-3898	34	94	business	business	NOUN
fsr-3898	34	95	agreements	agreement	NOUN
fsr-3898	34	96	liability	liability	VERB
fsr-3898	34	97	charitable	charitable	ADJ
fsr-3898	34	98	bequests	bequest	NOUN
fsr-3898	34	99	a	a	DET
fsr-3898	34	100	major	major	ADJ
fsr-3898	34	101	areas	area	NOUN
fsr-3898	34	102	as	as	SCONJ
fsr-3898	34	103	defined	define	VERB
fsr-3898	34	104	by	by	ADP
fsr-3898	34	105	the	the	DET
fsr-3898	34	106	cfp	cfp	PROPN
fsr-3898	34	107	board	board	PROPN
fsr-3898	34	108	.	.	PUNCT
fsr-3898	35	1	262	262	NUM
fsr-3898	35	2	n.	n.	PROPN
fsr-3898	35	3	chieffe	chieffe	PROPN
fsr-3898	35	4	,	,	PUNCT
fsr-3898	35	5	g.k	g.k	PROPN
fsr-3898	35	6	.	.	PROPN
fsr-3898	35	7	rakes	rakes	PROPN
fsr-3898	35	8	/	/	SYM
fsr-3898	35	9	financial	financial	ADJ
fsr-3898	35	10	services	service	NOUN
fsr-3898	35	11	review	review	VERB
fsr-3898	35	12	8	8	NUM
fsr-3898	35	13	(	(	PUNCT
fsr-3898	35	14	1999	1999	NUM
fsr-3898	35	15	)	)	PUNCT
fsr-3898	35	16	261–268	261–268	NUM
fsr-3898	35	17	in	in	ADP
fsr-3898	35	18	a	a	DET
fsr-3898	35	19	financial	financial	ADJ
fsr-3898	35	20	planning	planning	NOUN
fsr-3898	35	21	class	class	NOUN
fsr-3898	35	22	or	or	CCONJ
fsr-3898	35	23	presented	present	VERB
fsr-3898	35	24	in	in	ADP
fsr-3898	35	25	a	a	DET
fsr-3898	35	26	financial	financial	ADJ
fsr-3898	35	27	plan	plan	NOUN
fsr-3898	35	28	can	can	AUX
fsr-3898	35	29	be	be	AUX
fsr-3898	35	30	positioned	position	VERB
fsr-3898	35	31	in	in	ADP
fsr-3898	35	32	one	one	NUM
fsr-3898	35	33	of	of	ADP
fsr-3898	35	34	the	the	DET
fsr-3898	35	35	four	four	NUM
fsr-3898	35	36	categories	category	NOUN
fsr-3898	35	37	of	of	ADP
fsr-3898	35	38	the	the	DET
fsr-3898	35	39	model	model	NOUN
fsr-3898	35	40	.	.	PUNCT
fsr-3898	36	1	the	the	DET
fsr-3898	36	2	first	first	ADJ
fsr-3898	36	3	element	element	NOUN
fsr-3898	36	4	to	to	PART
fsr-3898	36	5	be	be	AUX
fsr-3898	36	6	considered	consider	VERB
fsr-3898	36	7	is	be	AUX
fsr-3898	36	8	time	time	NOUN
fsr-3898	36	9	.	.	PUNCT
fsr-3898	37	1	some	some	DET
fsr-3898	37	2	financial	financial	ADJ
fsr-3898	37	3	events	event	NOUN
fsr-3898	37	4	occur	occur	VERB
fsr-3898	37	5	in	in	ADP
fsr-3898	37	6	the	the	DET
fsr-3898	37	7	current	current	ADJ
fsr-3898	37	8	period	period	NOUN
fsr-3898	37	9	,	,	PUNCT
fsr-3898	37	10	others	other	NOUN
fsr-3898	37	11	are	be	AUX
fsr-3898	37	12	expected	expect	VERB
fsr-3898	37	13	in	in	ADP
fsr-3898	37	14	a	a	DET
fsr-3898	37	15	future	future	ADJ
fsr-3898	37	16	period	period	NOUN
fsr-3898	37	17	.	.	PUNCT
fsr-3898	38	1	the	the	DET
fsr-3898	38	2	length	length	NOUN
fsr-3898	38	3	of	of	ADP
fsr-3898	38	4	the	the	DET
fsr-3898	38	5	current	current	ADJ
fsr-3898	38	6	period	period	NOUN
fsr-3898	38	7	can	can	AUX
fsr-3898	38	8	be	be	AUX
fsr-3898	38	9	equivalent	equivalent	ADJ
fsr-3898	38	10	to	to	ADP
fsr-3898	38	11	the	the	DET
fsr-3898	38	12	length	length	NOUN
fsr-3898	38	13	of	of	ADP
fsr-3898	38	14	time	time	NOUN
fsr-3898	38	15	between	between	ADP
fsr-3898	38	16	regularly	regularly	ADV
fsr-3898	38	17	scheduled	schedule	VERB
fsr-3898	38	18	payments	payment	NOUN
fsr-3898	38	19	from	from	ADP
fsr-3898	38	20	wages	wage	NOUN
fsr-3898	38	21	or	or	CCONJ
fsr-3898	38	22	other	other	ADJ
fsr-3898	38	23	sources	source	NOUN
fsr-3898	38	24	.	.	PUNCT
fsr-3898	39	1	alternately	alternately	ADV
fsr-3898	39	2	,	,	PUNCT
fsr-3898	39	3	the	the	DET
fsr-3898	39	4	current	current	ADJ
fsr-3898	39	5	period	period	NOUN
fsr-3898	39	6	can	can	AUX
fsr-3898	39	7	be	be	AUX
fsr-3898	39	8	defined	define	VERB
fsr-3898	39	9	as	as	ADP
fsr-3898	39	10	the	the	DET
fsr-3898	39	11	foreseeable	foreseeable	ADJ
fsr-3898	39	12	period	period	NOUN
fsr-3898	39	13	of	of	ADP
fsr-3898	39	14	a	a	DET
fsr-3898	39	15	year	year	NOUN
fsr-3898	39	16	or	or	CCONJ
fsr-3898	39	17	two	two	NUM
fsr-3898	39	18	.	.	PUNCT
fsr-3898	40	1	the	the	DET
fsr-3898	40	2	future	future	ADJ
fsr-3898	40	3	period	period	NOUN
fsr-3898	40	4	includes	include	VERB
fsr-3898	40	5	financial	financial	ADJ
fsr-3898	40	6	events	event	NOUN
fsr-3898	40	7	occurring	occur	VERB
fsr-3898	40	8	beyond	beyond	ADP
fsr-3898	40	9	the	the	DET
fsr-3898	40	10	current	current	ADJ
fsr-3898	40	11	period	period	NOUN
fsr-3898	40	12	’s	’s	PART
fsr-3898	40	13	budget	budget	NOUN
fsr-3898	40	14	cycle	cycle	NOUN
fsr-3898	40	15	.	.	PUNCT
fsr-3898	41	1	these	these	DET
fsr-3898	41	2	events	event	NOUN
fsr-3898	41	3	are	be	AUX
fsr-3898	41	4	defined	define	VERB
fsr-3898	41	5	by	by	ADP
fsr-3898	41	6	the	the	DET
fsr-3898	41	7	individual	individual	NOUN
fsr-3898	41	8	’s	’s	PART
fsr-3898	41	9	goals	goal	NOUN
fsr-3898	41	10	for	for	ADP
fsr-3898	41	11	the	the	DET
fsr-3898	41	12	intermediate	intermediate	ADJ
fsr-3898	41	13	term	term	NOUN
fsr-3898	41	14	(	(	PUNCT
fsr-3898	41	15	one	one	NUM
fsr-3898	41	16	to	to	PART
fsr-3898	41	17	five	five	NUM
fsr-3898	41	18	years	year	NOUN
fsr-3898	41	19	from	from	ADP
fsr-3898	41	20	the	the	DET
fsr-3898	41	21	present	present	NOUN
fsr-3898	41	22	)	)	PUNCT
fsr-3898	41	23	or	or	CCONJ
fsr-3898	41	24	for	for	ADP
fsr-3898	41	25	the	the	DET
fsr-3898	41	26	long	long	ADJ
fsr-3898	41	27	term	term	NOUN
fsr-3898	41	28	(	(	PUNCT
fsr-3898	41	29	five	five	NUM
fsr-3898	41	30	years	year	NOUN
fsr-3898	41	31	or	or	CCONJ
fsr-3898	41	32	more	more	ADJ
fsr-3898	41	33	from	from	ADP
fsr-3898	41	34	the	the	DET
fsr-3898	41	35	present	present	NOUN
fsr-3898	41	36	)	)	PUNCT
fsr-3898	41	37	.	.	PUNCT
fsr-3898	42	1	the	the	DET
fsr-3898	42	2	second	second	ADJ
fsr-3898	42	3	element	element	NOUN
fsr-3898	42	4	to	to	PART
fsr-3898	42	5	be	be	AUX
fsr-3898	42	6	considered	consider	VERB
fsr-3898	42	7	is	be	AUX
fsr-3898	42	8	whether	whether	SCONJ
fsr-3898	42	9	or	or	CCONJ
fsr-3898	42	10	not	not	PART
fsr-3898	42	11	the	the	DET
fsr-3898	42	12	occurrence	occurrence	NOUN
fsr-3898	42	13	of	of	ADP
fsr-3898	42	14	or	or	CCONJ
fsr-3898	42	15	the	the	DET
fsr-3898	42	16	date	date	NOUN
fsr-3898	42	17	of	of	ADP
fsr-3898	42	18	the	the	DET
fsr-3898	42	19	financial	financial	ADJ
fsr-3898	42	20	event	event	NOUN
fsr-3898	42	21	can	can	AUX
fsr-3898	42	22	be	be	AUX
fsr-3898	42	23	foreseen	foresee	VERB
fsr-3898	42	24	.	.	PUNCT
fsr-3898	43	1	some	some	DET
fsr-3898	43	2	events	event	NOUN
fsr-3898	43	3	,	,	PUNCT
fsr-3898	43	4	such	such	ADJ
fsr-3898	43	5	as	as	ADP
fsr-3898	43	6	the	the	DET
fsr-3898	43	7	due	due	ADJ
fsr-3898	43	8	date	date	NOUN
fsr-3898	43	9	on	on	ADP
fsr-3898	43	10	the	the	DET
fsr-3898	43	11	next	next	ADJ
fsr-3898	43	12	tax	tax	NOUN
fsr-3898	43	13	bill	bill	NOUN
fsr-3898	43	14	or	or	CCONJ
fsr-3898	43	15	the	the	DET
fsr-3898	43	16	date	date	NOUN
fsr-3898	43	17	a	a	DET
fsr-3898	43	18	child	child	NOUN
fsr-3898	43	19	will	will	AUX
fsr-3898	43	20	begin	begin	VERB
fsr-3898	43	21	college	college	NOUN
fsr-3898	43	22	,	,	PUNCT
fsr-3898	43	23	are	be	AUX
fsr-3898	43	24	known	know	VERB
fsr-3898	43	25	with	with	ADP
fsr-3898	43	26	some	some	DET
fsr-3898	43	27	accuracy	accuracy	NOUN
fsr-3898	43	28	.	.	PUNCT
fsr-3898	44	1	others	other	NOUN
fsr-3898	44	2	,	,	PUNCT
fsr-3898	44	3	such	such	ADJ
fsr-3898	44	4	as	as	ADP
fsr-3898	44	5	medical	medical	ADJ
fsr-3898	44	6	bills	bill	NOUN
fsr-3898	44	7	or	or	CCONJ
fsr-3898	44	8	the	the	DET
fsr-3898	44	9	date	date	NOUN
fsr-3898	44	10	of	of	ADP
fsr-3898	44	11	one	one	NUM
fsr-3898	44	12	’s	’s	PART
fsr-3898	44	13	death	death	NOUN
fsr-3898	44	14	,	,	PUNCT
fsr-3898	44	15	can	can	AUX
fsr-3898	44	16	not	not	PART
fsr-3898	44	17	be	be	AUX
fsr-3898	44	18	predicted	predict	VERB
fsr-3898	44	19	.	.	PUNCT
fsr-3898	45	1	these	these	DET
fsr-3898	45	2	unexpected	unexpected	ADJ
fsr-3898	45	3	expenses	expense	NOUN
fsr-3898	45	4	can	can	AUX
fsr-3898	45	5	be	be	AUX
fsr-3898	45	6	met	meet	VERB
fsr-3898	45	7	through	through	ADP
fsr-3898	45	8	appropriate	appropriate	ADJ
fsr-3898	45	9	planning	planning	NOUN
fsr-3898	45	10	.	.	PUNCT
fsr-3898	46	1	2.1	2.1	NUM
fsr-3898	46	2	.	.	PUNCT
fsr-3898	46	3	money	money	NOUN
fsr-3898	46	4	management	management	NOUN
fsr-3898	46	5	the	the	DET
fsr-3898	46	6	first	first	ADJ
fsr-3898	46	7	category	category	NOUN
fsr-3898	46	8	of	of	ADP
fsr-3898	46	9	the	the	DET
fsr-3898	46	10	matrix	matrix	NOUN
fsr-3898	46	11	(	(	PUNCT
fsr-3898	46	12	table	table	NOUN
fsr-3898	46	13	1	1	NUM
fsr-3898	46	14	)	)	PUNCT
fsr-3898	46	15	concernsmoney	concernsmoney	NOUN
fsr-3898	46	16	managementissues	managementissue	NOUN
fsr-3898	46	17	that	that	PRON
fsr-3898	46	18	the	the	DET
fsr-3898	46	19	individual	individual	NOUN
fsr-3898	46	20	needs	need	VERB
fsr-3898	46	21	to	to	PART
fsr-3898	46	22	handle	handle	VERB
fsr-3898	46	23	as	as	ADP
fsr-3898	46	24	short	short	ADJ
fsr-3898	46	25	-	-	PUNCT
fsr-3898	46	26	term	term	NOUN
fsr-3898	46	27	expected	expect	VERB
fsr-3898	46	28	events	event	NOUN
fsr-3898	46	29	.	.	PUNCT
fsr-3898	47	1	in	in	ADP
fsr-3898	47	2	the	the	DET
fsr-3898	47	3	current	current	ADJ
fsr-3898	47	4	period	period	NOUN
fsr-3898	47	5	the	the	DET
fsr-3898	47	6	individual	individual	NOUN
fsr-3898	47	7	generally	generally	ADV
fsr-3898	47	8	knows	know	VERB
fsr-3898	47	9	what	what	PRON
fsr-3898	47	10	income	income	NOUN
fsr-3898	47	11	and	and	CCONJ
fsr-3898	47	12	expenses	expense	NOUN
fsr-3898	47	13	are	be	AUX
fsr-3898	47	14	expected	expect	VERB
fsr-3898	47	15	.	.	PUNCT
fsr-3898	48	1	individuals	individual	NOUN
fsr-3898	48	2	who	who	PRON
fsr-3898	48	3	need	need	VERB
fsr-3898	48	4	to	to	PART
fsr-3898	48	5	concentrate	concentrate	VERB
fsr-3898	48	6	on	on	ADP
fsr-3898	48	7	this	this	DET
fsr-3898	48	8	area	area	NOUN
fsr-3898	48	9	of	of	ADP
fsr-3898	48	10	financial	financial	ADJ
fsr-3898	48	11	planning	planning	NOUN
fsr-3898	48	12	are	be	AUX
fsr-3898	48	13	in	in	ADP
fsr-3898	48	14	the	the	DET
fsr-3898	48	15	early	early	ADJ
fsr-3898	48	16	part	part	NOUN
fsr-3898	48	17	of	of	ADP
fsr-3898	48	18	their	their	PRON
fsr-3898	48	19	careers	career	NOUN
fsr-3898	48	20	or	or	CCONJ
fsr-3898	48	21	are	be	AUX
fsr-3898	48	22	those	those	PRON
fsr-3898	48	23	whose	whose	DET
fsr-3898	48	24	living	living	NOUN
fsr-3898	48	25	situation	situation	NOUN
fsr-3898	48	26	has	have	AUX
fsr-3898	48	27	recently	recently	ADV
fsr-3898	48	28	changed	change	VERB
fsr-3898	48	29	.	.	PUNCT
fsr-3898	49	1	cash	cash	NOUN
fsr-3898	49	2	management	management	NOUN
fsr-3898	49	3	,	,	PUNCT
fsr-3898	49	4	including	include	VERB
fsr-3898	49	5	budgeting	budget	VERB
fsr-3898	49	6	and	and	CCONJ
fsr-3898	49	7	planned	planned	ADJ
fsr-3898	49	8	saving	saving	NOUN
fsr-3898	49	9	,	,	PUNCT
fsr-3898	49	10	may	may	AUX
fsr-3898	49	11	be	be	AUX
fsr-3898	49	12	of	of	ADP
fsr-3898	49	13	immediate	immediate	ADJ
fsr-3898	49	14	importance	importance	NOUN
fsr-3898	49	15	to	to	ADP
fsr-3898	49	16	them	they	PRON
fsr-3898	49	17	.	.	PUNCT
fsr-3898	50	1	college	college	NOUN
fsr-3898	50	2	students	student	NOUN
fsr-3898	50	3	also	also	ADV
fsr-3898	50	4	hope	hope	VERB
fsr-3898	50	5	to	to	PART
fsr-3898	50	6	acquire	acquire	VERB
fsr-3898	50	7	good	good	ADJ
fsr-3898	50	8	cash	cash	NOUN
fsr-3898	50	9	management	management	NOUN
fsr-3898	50	10	skills	skill	NOUN
fsr-3898	50	11	prior	prior	ADV
fsr-3898	50	12	to	to	ADP
fsr-3898	50	13	full	full	ADJ
fsr-3898	50	14	-	-	PUNCT
fsr-3898	50	15	time	time	NOUN
fsr-3898	50	16	employment	employment	NOUN
fsr-3898	50	17	.	.	PUNCT
fsr-3898	51	1	they	they	PRON
fsr-3898	51	2	are	be	AUX
fsr-3898	51	3	interested	interested	ADJ
fsr-3898	51	4	in	in	ADP
fsr-3898	51	5	learning	learn	VERB
fsr-3898	51	6	how	how	SCONJ
fsr-3898	51	7	to	to	PART
fsr-3898	51	8	obtain	obtain	VERB
fsr-3898	51	9	the	the	DET
fsr-3898	51	10	greatest	great	ADJ
fsr-3898	51	11	benefit	benefit	NOUN
fsr-3898	51	12	from	from	ADP
fsr-3898	51	13	the	the	DET
fsr-3898	51	14	money	money	NOUN
fsr-3898	51	15	they	they	PRON
fsr-3898	51	16	earn	earn	VERB
fsr-3898	51	17	.	.	PUNCT
fsr-3898	52	1	the	the	DET
fsr-3898	52	2	money	money	NOUN
fsr-3898	52	3	management	management	NOUN
fsr-3898	52	4	category	category	NOUN
fsr-3898	52	5	feeds	feed	VERB
fsr-3898	52	6	each	each	PRON
fsr-3898	52	7	of	of	ADP
fsr-3898	52	8	the	the	DET
fsr-3898	52	9	other	other	ADJ
fsr-3898	52	10	categories	category	NOUN
fsr-3898	52	11	and	and	CCONJ
fsr-3898	52	12	is	be	AUX
fsr-3898	52	13	referenced	reference	VERB
fsr-3898	52	14	at	at	ADP
fsr-3898	52	15	many	many	ADJ
fsr-3898	52	16	points	point	NOUN
fsr-3898	52	17	of	of	ADP
fsr-3898	52	18	the	the	DET
fsr-3898	52	19	planning	planning	NOUN
fsr-3898	52	20	process	process	NOUN
fsr-3898	52	21	.	.	PUNCT
fsr-3898	53	1	financial	financial	ADJ
fsr-3898	53	2	planners	planner	NOUN
fsr-3898	53	3	recommend	recommend	VERB
fsr-3898	53	4	the	the	DET
fsr-3898	53	5	use	use	NOUN
fsr-3898	53	6	of	of	ADP
fsr-3898	53	7	a	a	DET
fsr-3898	53	8	budget	budget	NOUN
fsr-3898	53	9	so	so	SCONJ
fsr-3898	53	10	that	that	SCONJ
fsr-3898	53	11	available	available	ADJ
fsr-3898	53	12	funds	fund	NOUN
fsr-3898	53	13	are	be	AUX
fsr-3898	53	14	directed	direct	VERB
fsr-3898	53	15	to	to	ADP
fsr-3898	53	16	the	the	DET
fsr-3898	53	17	most	most	ADV
fsr-3898	53	18	important	important	ADJ
fsr-3898	53	19	goals	goal	NOUN
fsr-3898	53	20	.	.	PUNCT
fsr-3898	54	1	however	however	ADV
fsr-3898	54	2	,	,	PUNCT
fsr-3898	54	3	davis	davis	PROPN
fsr-3898	54	4	and	and	CCONJ
fsr-3898	54	5	carr	carr	PROPN
fsr-3898	54	6	(	(	PUNCT
fsr-3898	54	7	1992	1992	NUM
fsr-3898	54	8	)	)	PUNCT
fsr-3898	54	9	show	show	VERB
fsr-3898	54	10	that	that	SCONJ
fsr-3898	54	11	while	while	SCONJ
fsr-3898	54	12	most	most	ADJ
fsr-3898	54	13	households	household	NOUN
fsr-3898	54	14	have	have	VERB
fsr-3898	54	15	a	a	DET
fsr-3898	54	16	budget	budget	NOUN
fsr-3898	54	17	,	,	PUNCT
fsr-3898	54	18	only	only	ADV
fsr-3898	54	19	a	a	DET
fsr-3898	54	20	small	small	ADJ
fsr-3898	54	21	percentage	percentage	NOUN
fsr-3898	54	22	have	have	VERB
fsr-3898	54	23	a	a	DET
fsr-3898	54	24	written	write	VERB
fsr-3898	54	25	budget	budget	NOUN
fsr-3898	54	26	.	.	PUNCT
fsr-3898	55	1	most	most	ADJ
fsr-3898	55	2	of	of	ADP
fsr-3898	55	3	the	the	DET
fsr-3898	55	4	financial	financial	ADJ
fsr-3898	55	5	planning	planning	NOUN
fsr-3898	55	6	textbooks	textbook	NOUN
fsr-3898	55	7	provide	provide	VERB
fsr-3898	55	8	a	a	DET
fsr-3898	55	9	budget	budget	NOUN
fsr-3898	55	10	method	method	NOUN
fsr-3898	55	11	and	and	CCONJ
fsr-3898	55	12	software	software	NOUN
fsr-3898	55	13	which	which	PRON
fsr-3898	55	14	the	the	DET
fsr-3898	55	15	students	student	NOUN
fsr-3898	55	16	can	can	AUX
fsr-3898	55	17	use	use	VERB
fsr-3898	55	18	to	to	PART
fsr-3898	55	19	prepare	prepare	VERB
fsr-3898	55	20	a	a	DET
fsr-3898	55	21	personal	personal	ADJ
fsr-3898	55	22	budget	budget	NOUN
fsr-3898	55	23	.	.	PUNCT
fsr-3898	56	1	while	while	SCONJ
fsr-3898	56	2	the	the	DET
fsr-3898	56	3	students	student	NOUN
fsr-3898	56	4	perceive	perceive	VERB
fsr-3898	56	5	this	this	PRON
fsr-3898	56	6	to	to	PART
fsr-3898	56	7	be	be	AUX
fsr-3898	56	8	painful	painful	ADJ
fsr-3898	56	9	at	at	ADP
fsr-3898	56	10	first	first	ADV
fsr-3898	56	11	,	,	PUNCT
fsr-3898	56	12	the	the	DET
fsr-3898	56	13	budget	budget	NOUN
fsr-3898	56	14	is	be	AUX
fsr-3898	56	15	the	the	DET
fsr-3898	56	16	primary	primary	ADJ
fsr-3898	56	17	vehicle	vehicle	NOUN
fsr-3898	56	18	for	for	ADP
fsr-3898	56	19	money	money	NOUN
fsr-3898	56	20	management	management	NOUN
fsr-3898	56	21	.	.	PUNCT
fsr-3898	57	1	it	it	PRON
fsr-3898	57	2	is	be	AUX
fsr-3898	57	3	also	also	ADV
fsr-3898	57	4	a	a	DET
fsr-3898	57	5	way	way	NOUN
fsr-3898	57	6	to	to	PART
fsr-3898	57	7	ensure	ensure	VERB
fsr-3898	57	8	that	that	SCONJ
fsr-3898	57	9	the	the	DET
fsr-3898	57	10	available	available	ADJ
fsr-3898	57	11	funds	fund	NOUN
fsr-3898	57	12	are	be	AUX
fsr-3898	57	13	directed	direct	VERB
fsr-3898	57	14	to	to	ADP
fsr-3898	57	15	the	the	DET
fsr-3898	57	16	most	most	ADV
fsr-3898	57	17	important	important	ADJ
fsr-3898	57	18	goals	goal	NOUN
fsr-3898	57	19	.	.	PUNCT
fsr-3898	58	1	it	it	PRON
fsr-3898	58	2	is	be	AUX
fsr-3898	58	3	usually	usually	ADV
fsr-3898	58	4	enlightening	enlightening	ADJ
fsr-3898	58	5	for	for	ADP
fsr-3898	58	6	a	a	DET
fsr-3898	58	7	student	student	NOUN
fsr-3898	58	8	to	to	PART
fsr-3898	58	9	track	track	VERB
fsr-3898	58	10	expenses	expense	NOUN
fsr-3898	58	11	for	for	ADP
fsr-3898	58	12	a	a	DET
fsr-3898	58	13	month	month	NOUN
fsr-3898	58	14	and	and	CCONJ
fsr-3898	58	15	then	then	ADV
fsr-3898	58	16	compare	compare	VERB
fsr-3898	58	17	actual	actual	ADJ
fsr-3898	58	18	expenditures	expenditure	NOUN
fsr-3898	58	19	to	to	ADP
fsr-3898	58	20	planned	plan	VERB
fsr-3898	58	21	expenditures	expenditure	NOUN
fsr-3898	58	22	.	.	PUNCT
fsr-3898	59	1	at	at	ADP
fsr-3898	59	2	that	that	DET
fsr-3898	59	3	point	point	NOUN
fsr-3898	59	4	the	the	DET
fsr-3898	59	5	class	class	NOUN
fsr-3898	59	6	is	be	AUX
fsr-3898	59	7	usually	usually	ADV
fsr-3898	59	8	ready	ready	ADJ
fsr-3898	59	9	to	to	PART
fsr-3898	59	10	discuss	discuss	VERB
fsr-3898	59	11	methods	method	NOUN
fsr-3898	59	12	to	to	PART
fsr-3898	59	13	ensure	ensure	VERB
fsr-3898	59	14	a	a	DET
fsr-3898	59	15	surplus	surplus	NOUN
fsr-3898	59	16	rather	rather	ADV
fsr-3898	59	17	than	than	ADP
fsr-3898	59	18	a	a	DET
fsr-3898	59	19	deficit	deficit	NOUN
fsr-3898	59	20	of	of	ADP
fsr-3898	59	21	cash	cash	NOUN
fsr-3898	59	22	.	.	PUNCT
fsr-3898	60	1	most	most	ADJ
fsr-3898	60	2	americans	americans	PROPN
fsr-3898	60	3	find	find	VERB
fsr-3898	60	4	it	it	PRON
fsr-3898	60	5	difficult	difficult	ADJ
fsr-3898	60	6	to	to	PART
fsr-3898	60	7	save	save	VERB
fsr-3898	60	8	money	money	NOUN
fsr-3898	60	9	.	.	PUNCT
fsr-3898	61	1	according	accord	VERB
fsr-3898	61	2	to	to	ADP
fsr-3898	61	3	the	the	DET
fsr-3898	61	4	“	"	PUNCT
fsr-3898	61	5	flow	flow	NOUN
fsr-3898	61	6	of	of	ADP
fsr-3898	61	7	funds	fund	NOUN
fsr-3898	61	8	accounts	account	NOUN
fsr-3898	61	9	”	"	PUNCT
fsr-3898	61	10	in	in	ADP
fsr-3898	61	11	thestatistical	thestatistical	ADJ
fsr-3898	61	12	abstract	abstract	NOUN
fsr-3898	61	13	of	of	ADP
fsr-3898	61	14	the	the	DET
fsr-3898	61	15	u.s	u.s	PROPN
fsr-3898	61	16	.	.	PROPN
fsr-3898	61	17	1998	1998	NUM
fsr-3898	61	18	,	,	PUNCT
fsr-3898	61	19	personal	personal	ADJ
fsr-3898	61	20	savings	saving	NOUN
fsr-3898	61	21	as	as	ADP
fsr-3898	61	22	a	a	DET
fsr-3898	61	23	percentage	percentage	NOUN
fsr-3898	61	24	of	of	ADP
fsr-3898	61	25	disposable	disposable	ADJ
fsr-3898	61	26	personal	personal	ADJ
fsr-3898	61	27	income	income	NOUN
fsr-3898	61	28	fell	fall	VERB
fsr-3898	61	29	from	from	ADP
fsr-3898	61	30	12.1	12.1	NUM
fsr-3898	61	31	%	%	NOUN
fsr-3898	61	32	in	in	ADP
fsr-3898	61	33	1980	1980	NUM
fsr-3898	61	34	to	to	ADP
fsr-3898	61	35	7.4	7.4	NUM
fsr-3898	61	36	%	%	NOUN
fsr-3898	61	37	in	in	ADP
fsr-3898	61	38	1996	1996	NUM
fsr-3898	61	39	.	.	PUNCT
fsr-3898	62	1	it	it	PRON
fsr-3898	62	2	should	should	AUX
fsr-3898	62	3	become	become	VERB
fsr-3898	62	4	clear	clear	ADJ
fsr-3898	62	5	to	to	ADP
fsr-3898	62	6	the	the	DET
fsr-3898	62	7	students	student	NOUN
fsr-3898	62	8	that	that	PRON
fsr-3898	62	9	at	at	ADP
fsr-3898	62	10	any	any	DET
fsr-3898	62	11	income	income	NOUN
fsr-3898	62	12	level	level	NOUN
fsr-3898	62	13	one	one	NUM
fsr-3898	62	14	needs	need	VERB
fsr-3898	62	15	a	a	DET
fsr-3898	62	16	plan	plan	NOUN
fsr-3898	62	17	in	in	ADP
fsr-3898	62	18	order	order	NOUN
fsr-3898	62	19	to	to	PART
fsr-3898	62	20	manage	manage	VERB
fsr-3898	62	21	expenses	expense	NOUN
fsr-3898	62	22	and	and	CCONJ
fsr-3898	62	23	save	save	VERB
fsr-3898	62	24	some	some	DET
fsr-3898	62	25	money	money	NOUN
fsr-3898	62	26	.	.	PUNCT
fsr-3898	63	1	unless	unless	SCONJ
fsr-3898	63	2	the	the	DET
fsr-3898	63	3	instructor	instructor	NOUN
fsr-3898	63	4	is	be	AUX
fsr-3898	63	5	successful	successful	ADJ
fsr-3898	63	6	in	in	ADP
fsr-3898	63	7	convincing	convince	VERB
fsr-3898	63	8	students	student	NOUN
fsr-3898	63	9	of	of	ADP
fsr-3898	63	10	the	the	DET
fsr-3898	63	11	importance	importance	NOUN
fsr-3898	63	12	of	of	ADP
fsr-3898	63	13	budgeting	budgeting	NOUN
fsr-3898	63	14	,	,	PUNCT
fsr-3898	63	15	a	a	DET
fsr-3898	63	16	careful	careful	ADJ
fsr-3898	63	17	study	study	NOUN
fsr-3898	63	18	of	of	ADP
fsr-3898	63	19	financial	financial	ADJ
fsr-3898	63	20	planning	planning	NOUN
fsr-3898	63	21	is	be	AUX
fsr-3898	63	22	unlikely	unlikely	ADJ
fsr-3898	63	23	to	to	PART
fsr-3898	63	24	have	have	VERB
fsr-3898	63	25	lasting	last	VERB
fsr-3898	63	26	benefits	benefit	NOUN
fsr-3898	63	27	.	.	PUNCT
fsr-3898	64	1	the	the	DET
fsr-3898	64	2	students	student	NOUN
fsr-3898	64	3	should	should	AUX
fsr-3898	64	4	also	also	ADV
fsr-3898	64	5	discuss	discuss	VERB
fsr-3898	64	6	how	how	SCONJ
fsr-3898	64	7	their	their	PRON
fsr-3898	64	8	financial	financial	ADJ
fsr-3898	64	9	circumstances	circumstance	NOUN
fsr-3898	64	10	will	will	AUX
fsr-3898	64	11	change	change	VERB
fsr-3898	64	12	through	through	ADP
fsr-3898	64	13	time	time	NOUN
fsr-3898	64	14	and	and	CCONJ
fsr-3898	64	15	how	how	SCONJ
fsr-3898	64	16	the	the	DET
fsr-3898	64	17	selection	selection	NOUN
fsr-3898	64	18	of	of	ADP
fsr-3898	64	19	alternatives	alternative	NOUN
fsr-3898	64	20	at	at	ADP
fsr-3898	64	21	each	each	DET
fsr-3898	64	22	stage	stage	NOUN
fsr-3898	64	23	of	of	ADP
fsr-3898	64	24	their	their	PRON
fsr-3898	64	25	life	life	NOUN
fsr-3898	64	26	will	will	AUX
fsr-3898	64	27	affect	affect	VERB
fsr-3898	64	28	their	their	PRON
fsr-3898	64	29	standard	standard	NOUN
fsr-3898	64	30	of	of	ADP
fsr-3898	64	31	living	living	NOUN
fsr-3898	64	32	.	.	PUNCT
fsr-3898	65	1	263n	263n	NOUN
fsr-3898	65	2	.	.	PUNCT
fsr-3898	66	1	chieffe	chieffe	PROPN
fsr-3898	66	2	,	,	PUNCT
fsr-3898	66	3	g.k	g.k	PROPN
fsr-3898	66	4	.	.	PROPN
fsr-3898	66	5	rakes	rakes	PROPN
fsr-3898	66	6	/	/	SYM
fsr-3898	66	7	financial	financial	ADJ
fsr-3898	66	8	services	service	NOUN
fsr-3898	66	9	review	review	VERB
fsr-3898	66	10	8	8	NUM
fsr-3898	66	11	(	(	PUNCT
fsr-3898	66	12	1999	1999	NUM
fsr-3898	66	13	)	)	PUNCT
fsr-3898	67	1	261–268	261–268	NUM
fsr-3898	67	2	at	at	ADP
fsr-3898	67	3	this	this	DET
fsr-3898	67	4	point	point	NOUN
fsr-3898	67	5	it	it	PRON
fsr-3898	67	6	is	be	AUX
fsr-3898	67	7	appropriate	appropriate	ADJ
fsr-3898	67	8	to	to	PART
fsr-3898	67	9	discuss	discuss	VERB
fsr-3898	67	10	the	the	DET
fsr-3898	67	11	use	use	NOUN
fsr-3898	67	12	of	of	ADP
fsr-3898	67	13	credit	credit	NOUN
fsr-3898	67	14	.	.	PUNCT
fsr-3898	68	1	most	most	ADJ
fsr-3898	68	2	college	college	NOUN
fsr-3898	68	3	students	student	NOUN
fsr-3898	68	4	are	be	AUX
fsr-3898	68	5	well	well	ADV
fsr-3898	68	6	aware	aware	ADJ
fsr-3898	68	7	of	of	ADP
fsr-3898	68	8	the	the	DET
fsr-3898	68	9	availability	availability	NOUN
fsr-3898	68	10	of	of	ADP
fsr-3898	68	11	credit	credit	NOUN
fsr-3898	68	12	since	since	SCONJ
fsr-3898	68	13	they	they	PRON
fsr-3898	68	14	receive	receive	VERB
fsr-3898	68	15	frequent	frequent	ADJ
fsr-3898	68	16	offers	offer	NOUN
fsr-3898	68	17	from	from	ADP
fsr-3898	68	18	credit	credit	NOUN
fsr-3898	68	19	card	card	NOUN
fsr-3898	68	20	companies	company	NOUN
fsr-3898	68	21	.	.	PUNCT
fsr-3898	69	1	they	they	PRON
fsr-3898	69	2	also	also	ADV
fsr-3898	69	3	are	be	AUX
fsr-3898	69	4	concerned	concern	VERB
fsr-3898	69	5	with	with	ADP
fsr-3898	69	6	credit	credit	NOUN
fsr-3898	69	7	management	management	NOUN
fsr-3898	69	8	.	.	PUNCT
fsr-3898	70	1	many	many	ADJ
fsr-3898	70	2	of	of	ADP
fsr-3898	70	3	them	they	PRON
fsr-3898	70	4	have	have	VERB
fsr-3898	70	5	friends	friend	NOUN
fsr-3898	70	6	who	who	PRON
fsr-3898	70	7	are	be	AUX
fsr-3898	70	8	deeply	deeply	ADV
fsr-3898	70	9	in	in	ADP
fsr-3898	70	10	debt	debt	NOUN
fsr-3898	70	11	because	because	SCONJ
fsr-3898	70	12	they	they	PRON
fsr-3898	70	13	use	use	VERB
fsr-3898	70	14	credit	credit	NOUN
fsr-3898	70	15	cards	card	NOUN
fsr-3898	70	16	too	too	ADV
fsr-3898	70	17	freely	freely	ADV
fsr-3898	70	18	.	.	PUNCT
fsr-3898	71	1	others	other	NOUN
fsr-3898	71	2	are	be	AUX
fsr-3898	71	3	concerned	concerned	ADJ
fsr-3898	71	4	about	about	ADP
fsr-3898	71	5	how	how	SCONJ
fsr-3898	71	6	long	long	ADV
fsr-3898	71	7	it	it	PRON
fsr-3898	71	8	will	will	AUX
fsr-3898	71	9	take	take	VERB
fsr-3898	71	10	to	to	PART
fsr-3898	71	11	repay	repay	VERB
fsr-3898	71	12	their	their	PRON
fsr-3898	71	13	student	student	NOUN
fsr-3898	71	14	loans	loan	NOUN
fsr-3898	71	15	.	.	PUNCT
fsr-3898	72	1	one	one	NUM
fsr-3898	72	2	appropriate	appropriate	ADJ
fsr-3898	72	3	exercise	exercise	NOUN
fsr-3898	72	4	is	be	AUX
fsr-3898	72	5	to	to	PART
fsr-3898	72	6	use	use	VERB
fsr-3898	72	7	time	time	NOUN
fsr-3898	72	8	-	-	PUNCT
fsr-3898	72	9	value	value	NOUN
fsr-3898	72	10	-	-	PUNCT
fsr-3898	72	11	of	of	ADP
fsr-3898	72	12	-	-	PUNCT
fsr-3898	72	13	money	money	NOUN
fsr-3898	72	14	techniques	technique	NOUN
fsr-3898	72	15	from	from	ADP
fsr-3898	72	16	the	the	DET
fsr-3898	72	17	introductory	introductory	ADJ
fsr-3898	72	18	finance	finance	NOUN
fsr-3898	72	19	class	class	NOUN
fsr-3898	72	20	and	and	CCONJ
fsr-3898	72	21	calculate	calculate	VERB
fsr-3898	72	22	the	the	DET
fsr-3898	72	23	true	true	ADJ
fsr-3898	72	24	cost	cost	NOUN
fsr-3898	72	25	of	of	ADP
fsr-3898	72	26	using	use	VERB
fsr-3898	72	27	credit	credit	NOUN
fsr-3898	72	28	for	for	ADP
fsr-3898	72	29	various	various	ADJ
fsr-3898	72	30	items	item	NOUN
fsr-3898	72	31	.	.	PUNCT
fsr-3898	73	1	this	this	PRON
fsr-3898	73	2	leads	lead	VERB
fsr-3898	73	3	to	to	ADP
fsr-3898	73	4	a	a	DET
fsr-3898	73	5	discussion	discussion	NOUN
fsr-3898	73	6	of	of	ADP
fsr-3898	73	7	reasons	reason	NOUN
fsr-3898	73	8	for	for	ADP
fsr-3898	73	9	using	use	VERB
fsr-3898	73	10	credit	credit	NOUN
fsr-3898	73	11	and	and	CCONJ
fsr-3898	73	12	how	how	SCONJ
fsr-3898	73	13	to	to	PART
fsr-3898	73	14	balance	balance	VERB
fsr-3898	73	15	short	short	ADJ
fsr-3898	73	16	-	-	PUNCT
fsr-3898	73	17	term	term	NOUN
fsr-3898	73	18	consumption	consumption	NOUN
fsr-3898	73	19	needs	need	VERB
fsr-3898	73	20	with	with	ADP
fsr-3898	73	21	the	the	DET
fsr-3898	73	22	long	long	ADJ
fsr-3898	73	23	-	-	PUNCT
fsr-3898	73	24	term	term	NOUN
fsr-3898	73	25	cost	cost	NOUN
fsr-3898	73	26	.	.	PUNCT
fsr-3898	74	1	we	we	PRON
fsr-3898	74	2	also	also	ADV
fsr-3898	74	3	calculate	calculate	VERB
fsr-3898	74	4	a	a	DET
fsr-3898	74	5	hypothetical	hypothetical	ADJ
fsr-3898	74	6	budget	budget	NOUN
fsr-3898	74	7	for	for	ADP
fsr-3898	74	8	their	their	PRON
fsr-3898	74	9	first	first	ADJ
fsr-3898	74	10	year	year	NOUN
fsr-3898	74	11	of	of	ADP
fsr-3898	74	12	employment	employment	NOUN
fsr-3898	74	13	.	.	PUNCT
fsr-3898	75	1	the	the	DET
fsr-3898	75	2	conflict	conflict	NOUN
fsr-3898	75	3	they	they	PRON
fsr-3898	75	4	will	will	AUX
fsr-3898	75	5	face	face	VERB
fsr-3898	75	6	becomes	become	VERB
fsr-3898	75	7	obvious	obvious	ADJ
fsr-3898	75	8	—	—	PUNCT
fsr-3898	75	9	they	they	PRON
fsr-3898	75	10	want	want	VERB
fsr-3898	75	11	to	to	PART
fsr-3898	75	12	purchase	purchase	VERB
fsr-3898	75	13	new	new	ADJ
fsr-3898	75	14	household	household	NOUN
fsr-3898	75	15	goods	good	NOUN
fsr-3898	75	16	,	,	PUNCT
fsr-3898	75	17	a	a	DET
fsr-3898	75	18	car	car	NOUN
fsr-3898	75	19	,	,	PUNCT
fsr-3898	75	20	and	and	CCONJ
fsr-3898	75	21	clothing	clothing	NOUN
fsr-3898	75	22	while	while	SCONJ
fsr-3898	75	23	trying	try	VERB
fsr-3898	75	24	to	to	PART
fsr-3898	75	25	pay	pay	VERB
fsr-3898	75	26	down	down	ADP
fsr-3898	75	27	the	the	DET
fsr-3898	75	28	debt	debt	NOUN
fsr-3898	75	29	they	they	PRON
fsr-3898	75	30	incurred	incur	VERB
fsr-3898	75	31	as	as	ADP
fsr-3898	75	32	students	student	NOUN
fsr-3898	75	33	.	.	PUNCT
fsr-3898	76	1	2.2	2.2	NUM
fsr-3898	76	2	.	.	PUNCT
fsr-3898	77	1	emergency	emergency	NOUN
fsr-3898	77	2	planning	planning	NOUN
fsr-3898	77	3	however	however	ADV
fsr-3898	77	4	,	,	PUNCT
fsr-3898	77	5	regardless	regardless	ADV
fsr-3898	77	6	of	of	ADP
fsr-3898	77	7	how	how	SCONJ
fsr-3898	77	8	well	well	ADV
fsr-3898	77	9	a	a	DET
fsr-3898	77	10	person	person	NOUN
fsr-3898	77	11	has	have	AUX
fsr-3898	77	12	planned	plan	VERB
fsr-3898	77	13	,	,	PUNCT
fsr-3898	77	14	in	in	ADP
fsr-3898	77	15	the	the	DET
fsr-3898	77	16	short	short	ADJ
fsr-3898	77	17	term	term	NOUN
fsr-3898	77	18	the	the	DET
fsr-3898	77	19	individual	individual	NOUN
fsr-3898	77	20	may	may	AUX
fsr-3898	77	21	also	also	ADV
fsr-3898	77	22	meet	meet	VERB
fsr-3898	77	23	some	some	DET
fsr-3898	77	24	unexpected	unexpected	ADJ
fsr-3898	77	25	events	event	NOUN
fsr-3898	77	26	.	.	PUNCT
fsr-3898	78	1	the	the	DET
fsr-3898	78	2	second	second	ADJ
fsr-3898	78	3	category	category	NOUN
fsr-3898	78	4	,	,	PUNCT
fsr-3898	78	5	emergency	emergency	NOUN
fsr-3898	78	6	planning	planning	NOUN
fsr-3898	78	7	,	,	PUNCT
fsr-3898	78	8	involves	involve	VERB
fsr-3898	78	9	these	these	DET
fsr-3898	78	10	issues	issue	NOUN
fsr-3898	78	11	.	.	PUNCT
fsr-3898	79	1	financial	financial	ADJ
fsr-3898	79	2	planners	planner	NOUN
fsr-3898	79	3	generally	generally	ADV
fsr-3898	79	4	recommend	recommend	VERB
fsr-3898	79	5	that	that	SCONJ
fsr-3898	79	6	individuals	individual	NOUN
fsr-3898	79	7	accumulate	accumulate	VERB
fsr-3898	79	8	emergency	emergency	NOUN
fsr-3898	79	9	funds	fund	NOUN
fsr-3898	79	10	of	of	ADP
fsr-3898	79	11	about	about	ADV
fsr-3898	79	12	three	three	NUM
fsr-3898	79	13	to	to	PART
fsr-3898	79	14	six	six	NUM
fsr-3898	79	15	months	month	NOUN
fsr-3898	79	16	of	of	ADP
fsr-3898	79	17	expenses	expense	NOUN
fsr-3898	79	18	.	.	PUNCT
fsr-3898	80	1	these	these	DET
fsr-3898	80	2	funds	fund	NOUN
fsr-3898	80	3	are	be	AUX
fsr-3898	80	4	kept	keep	VERB
fsr-3898	80	5	in	in	ADP
fsr-3898	80	6	a	a	DET
fsr-3898	80	7	savings	saving	NOUN
fsr-3898	80	8	account	account	NOUN
fsr-3898	80	9	,	,	PUNCT
fsr-3898	80	10	money	money	NOUN
fsr-3898	80	11	market	market	NOUN
fsr-3898	80	12	fund	fund	NOUN
fsr-3898	80	13	,	,	PUNCT
fsr-3898	80	14	or	or	CCONJ
fsr-3898	80	15	short	short	ADJ
fsr-3898	80	16	-	-	PUNCT
fsr-3898	80	17	term	term	NOUN
fsr-3898	80	18	certificates	certificate	NOUN
fsr-3898	80	19	of	of	ADP
fsr-3898	80	20	deposit	deposit	NOUN
fsr-3898	80	21	.	.	PUNCT
fsr-3898	81	1	however	however	ADV
fsr-3898	81	2	,	,	PUNCT
fsr-3898	81	3	very	very	ADV
fsr-3898	81	4	few	few	ADJ
fsr-3898	81	5	households	household	NOUN
fsr-3898	81	6	actually	actually	ADV
fsr-3898	81	7	meet	meet	VERB
fsr-3898	81	8	the	the	DET
fsr-3898	81	9	3	3	NUM
fsr-3898	81	10	-	-	PUNCT
fsr-3898	81	11	month	month	NOUN
fsr-3898	81	12	guideline	guideline	NOUN
fsr-3898	81	13	.	.	PUNCT
fsr-3898	82	1	chang	chang	PROPN
fsr-3898	82	2	and	and	CCONJ
fsr-3898	82	3	huston	huston	PROPN
fsr-3898	82	4	(	(	PUNCT
fsr-3898	82	5	1995	1995	NUM
fsr-3898	82	6	)	)	PUNCT
fsr-3898	82	7	and	and	CCONJ
fsr-3898	82	8	huston	huston	PROPN
fsr-3898	82	9	and	and	CCONJ
fsr-3898	82	10	chang	chang	PROPN
fsr-3898	82	11	(	(	PUNCT
fsr-3898	82	12	1997	1997	NUM
fsr-3898	82	13	)	)	PUNCT
fsr-3898	82	14	show	show	VERB
fsr-3898	82	15	that	that	SCONJ
fsr-3898	82	16	most	most	ADJ
fsr-3898	82	17	households	household	NOUN
fsr-3898	82	18	do	do	AUX
fsr-3898	82	19	not	not	PART
fsr-3898	82	20	have	have	VERB
fsr-3898	82	21	the	the	DET
fsr-3898	82	22	recommended	recommend	VERB
fsr-3898	82	23	levels	level	NOUN
fsr-3898	82	24	of	of	ADP
fsr-3898	82	25	liquid	liquid	ADJ
fsr-3898	82	26	assets	asset	NOUN
fsr-3898	82	27	.	.	PUNCT
fsr-3898	83	1	chang	chang	PROPN
fsr-3898	83	2	,	,	PUNCT
fsr-3898	83	3	hanna	hanna	PROPN
fsr-3898	83	4	,	,	PUNCT
fsr-3898	83	5	and	and	CCONJ
fsr-3898	83	6	fan	fan	NOUN
fsr-3898	83	7	(	(	PUNCT
fsr-3898	83	8	1997	1997	NUM
fsr-3898	83	9	)	)	PUNCT
fsr-3898	83	10	suggest	suggest	VERB
fsr-3898	83	11	that	that	SCONJ
fsr-3898	83	12	this	this	DET
fsr-3898	83	13	behavior	behavior	NOUN
fsr-3898	83	14	may	may	AUX
fsr-3898	83	15	be	be	AUX
fsr-3898	83	16	rational	rational	ADJ
fsr-3898	83	17	for	for	ADP
fsr-3898	83	18	those	those	DET
fsr-3898	83	19	households	household	NOUN
fsr-3898	83	20	who	who	PRON
fsr-3898	83	21	do	do	AUX
fsr-3898	83	22	not	not	PART
fsr-3898	83	23	expect	expect	VERB
fsr-3898	83	24	a	a	DET
fsr-3898	83	25	decline	decline	NOUN
fsr-3898	83	26	in	in	ADP
fsr-3898	83	27	real	real	ADJ
fsr-3898	83	28	income	income	NOUN
fsr-3898	83	29	.	.	PUNCT
fsr-3898	84	1	many	many	ADJ
fsr-3898	84	2	individuals	individual	NOUN
fsr-3898	84	3	do	do	AUX
fsr-3898	84	4	not	not	PART
fsr-3898	84	5	feel	feel	VERB
fsr-3898	84	6	that	that	SCONJ
fsr-3898	84	7	accumulating	accumulate	VERB
fsr-3898	84	8	funds	fund	NOUN
fsr-3898	84	9	for	for	ADP
fsr-3898	84	10	emergencies	emergency	NOUN
fsr-3898	84	11	is	be	AUX
fsr-3898	84	12	as	as	ADV
fsr-3898	84	13	important	important	ADJ
fsr-3898	84	14	as	as	ADP
fsr-3898	84	15	accumulating	accumulate	VERB
fsr-3898	84	16	funds	fund	NOUN
fsr-3898	84	17	for	for	ADP
fsr-3898	84	18	other	other	ADJ
fsr-3898	84	19	goals	goal	NOUN
fsr-3898	84	20	.	.	PUNCT
fsr-3898	85	1	an	an	DET
fsr-3898	85	2	alternative	alternative	ADJ
fsr-3898	85	3	strategy	strategy	NOUN
fsr-3898	85	4	that	that	PRON
fsr-3898	85	5	we	we	PRON
fsr-3898	85	6	have	have	AUX
fsr-3898	85	7	recommended	recommend	VERB
fsr-3898	85	8	to	to	ADP
fsr-3898	85	9	clients	client	NOUN
fsr-3898	85	10	and	and	CCONJ
fsr-3898	85	11	to	to	ADP
fsr-3898	85	12	students	student	NOUN
fsr-3898	85	13	is	be	AUX
fsr-3898	85	14	to	to	PART
fsr-3898	85	15	keep	keep	VERB
fsr-3898	85	16	an	an	DET
fsr-3898	85	17	open	open	ADJ
fsr-3898	85	18	line	line	NOUN
fsr-3898	85	19	of	of	ADP
fsr-3898	85	20	credit	credit	NOUN
fsr-3898	85	21	either	either	CCONJ
fsr-3898	85	22	with	with	ADP
fsr-3898	85	23	a	a	DET
fsr-3898	85	24	major	major	ADJ
fsr-3898	85	25	credit	credit	NOUN
fsr-3898	85	26	card	card	NOUN
fsr-3898	85	27	or	or	CCONJ
fsr-3898	85	28	a	a	DET
fsr-3898	85	29	home	home	NOUN
fsr-3898	85	30	equity	equity	NOUN
fsr-3898	85	31	line	line	NOUN
fsr-3898	85	32	of	of	ADP
fsr-3898	85	33	credit	credit	NOUN
fsr-3898	85	34	.	.	PUNCT
fsr-3898	86	1	this	this	DET
fsr-3898	86	2	technique	technique	NOUN
fsr-3898	86	3	bypasses	bypass	VERB
fsr-3898	86	4	the	the	DET
fsr-3898	86	5	opportunity	opportunity	NOUN
fsr-3898	86	6	cost	cost	NOUN
fsr-3898	86	7	of	of	ADP
fsr-3898	86	8	keeping	keep	VERB
fsr-3898	86	9	funds	fund	NOUN
fsr-3898	86	10	in	in	ADP
fsr-3898	86	11	low	low	ADJ
fsr-3898	86	12	-	-	PUNCT
fsr-3898	86	13	interest	interest	NOUN
fsr-3898	86	14	bearing	bearing	NOUN
fsr-3898	86	15	accounts	account	NOUN
fsr-3898	86	16	or	or	CCONJ
fsr-3898	86	17	of	of	ADP
fsr-3898	86	18	foregoing	forego	VERB
fsr-3898	86	19	current	current	ADJ
fsr-3898	86	20	consumption	consumption	NOUN
fsr-3898	86	21	to	to	PART
fsr-3898	86	22	accumulate	accumulate	VERB
fsr-3898	86	23	liquid	liquid	ADJ
fsr-3898	86	24	assets	asset	NOUN
fsr-3898	86	25	.	.	PUNCT
fsr-3898	87	1	of	of	ADP
fsr-3898	87	2	course	course	NOUN
fsr-3898	87	3	,	,	PUNCT
fsr-3898	87	4	the	the	DET
fsr-3898	87	5	individual	individual	NOUN
fsr-3898	87	6	needs	need	VERB
fsr-3898	87	7	a	a	DET
fsr-3898	87	8	certain	certain	ADJ
fsr-3898	87	9	amount	amount	NOUN
fsr-3898	87	10	of	of	ADP
fsr-3898	87	11	self	self	NOUN
fsr-3898	87	12	-	-	PUNCT
fsr-3898	87	13	discipline	discipline	NOUN
fsr-3898	87	14	to	to	PART
fsr-3898	87	15	reserve	reserve	VERB
fsr-3898	87	16	the	the	DET
fsr-3898	87	17	open	open	ADJ
fsr-3898	87	18	line	line	NOUN
fsr-3898	87	19	of	of	ADP
fsr-3898	87	20	credit	credit	NOUN
fsr-3898	87	21	for	for	ADP
fsr-3898	87	22	a	a	DET
fsr-3898	87	23	true	true	ADJ
fsr-3898	87	24	emergency	emergency	NOUN
fsr-3898	87	25	.	.	PUNCT
fsr-3898	88	1	other	other	ADJ
fsr-3898	88	2	types	type	NOUN
fsr-3898	88	3	of	of	ADP
fsr-3898	88	4	emergencies	emergency	NOUN
fsr-3898	88	5	are	be	AUX
fsr-3898	88	6	more	more	ADV
fsr-3898	88	7	readily	readily	ADV
fsr-3898	88	8	addressed	address	VERB
fsr-3898	88	9	with	with	ADP
fsr-3898	88	10	health	health	NOUN
fsr-3898	88	11	and	and	CCONJ
fsr-3898	88	12	property	property	NOUN
fsr-3898	88	13	insurance	insurance	NOUN
fsr-3898	88	14	.	.	PUNCT
fsr-3898	89	1	individual	individual	ADJ
fsr-3898	89	2	clients	client	NOUN
fsr-3898	89	3	who	who	PRON
fsr-3898	89	4	are	be	AUX
fsr-3898	89	5	in	in	ADP
fsr-3898	89	6	the	the	DET
fsr-3898	89	7	early	early	ADJ
fsr-3898	89	8	stages	stage	NOUN
fsr-3898	89	9	of	of	ADP
fsr-3898	89	10	their	their	PRON
fsr-3898	89	11	careers	career	NOUN
fsr-3898	89	12	are	be	AUX
fsr-3898	89	13	often	often	ADV
fsr-3898	89	14	concerned	concern	VERB
fsr-3898	89	15	with	with	ADP
fsr-3898	89	16	property	property	NOUN
fsr-3898	89	17	and	and	CCONJ
fsr-3898	89	18	health	health	NOUN
fsr-3898	89	19	insurance	insurance	NOUN
fsr-3898	89	20	coverage	coverage	NOUN
fsr-3898	89	21	.	.	PUNCT
fsr-3898	90	1	these	these	DET
fsr-3898	90	2	concerns	concern	NOUN
fsr-3898	90	3	arise	arise	VERB
fsr-3898	90	4	for	for	ADP
fsr-3898	90	5	other	other	ADJ
fsr-3898	90	6	financial	financial	ADJ
fsr-3898	90	7	planning	planning	NOUN
fsr-3898	90	8	clients	client	NOUN
fsr-3898	90	9	only	only	ADV
fsr-3898	90	10	when	when	SCONJ
fsr-3898	90	11	they	they	PRON
fsr-3898	90	12	’ve	’ve	AUX
fsr-3898	90	13	experienced	experience	VERB
fsr-3898	90	14	a	a	DET
fsr-3898	90	15	major	major	ADJ
fsr-3898	90	16	lifestyle	lifestyle	NOUN
fsr-3898	90	17	change	change	NOUN
fsr-3898	90	18	.	.	PUNCT
fsr-3898	91	1	most	most	ADJ
fsr-3898	91	2	college	college	NOUN
fsr-3898	91	3	students	student	NOUN
fsr-3898	91	4	are	be	AUX
fsr-3898	91	5	familiar	familiar	ADJ
fsr-3898	91	6	with	with	ADP
fsr-3898	91	7	health	health	NOUN
fsr-3898	91	8	and	and	CCONJ
fsr-3898	91	9	automobile	automobile	NOUN
fsr-3898	91	10	insurance	insurance	NOUN
fsr-3898	91	11	.	.	PUNCT
fsr-3898	92	1	many	many	ADJ
fsr-3898	92	2	of	of	ADP
fsr-3898	92	3	them	they	PRON
fsr-3898	92	4	are	be	AUX
fsr-3898	92	5	covered	cover	VERB
fsr-3898	92	6	under	under	ADP
fsr-3898	92	7	their	their	PRON
fsr-3898	92	8	parents	parent	NOUN
fsr-3898	92	9	’	’	PART
fsr-3898	92	10	policies	policy	NOUN
fsr-3898	92	11	and	and	CCONJ
fsr-3898	92	12	are	be	AUX
fsr-3898	92	13	aware	aware	ADJ
fsr-3898	92	14	that	that	SCONJ
fsr-3898	92	15	this	this	DET
fsr-3898	92	16	coverage	coverage	NOUN
fsr-3898	92	17	may	may	AUX
fsr-3898	92	18	end	end	VERB
fsr-3898	92	19	when	when	SCONJ
fsr-3898	92	20	they	they	PRON
fsr-3898	92	21	graduate	graduate	VERB
fsr-3898	92	22	.	.	PUNCT
fsr-3898	93	1	they	they	PRON
fsr-3898	93	2	also	also	ADV
fsr-3898	93	3	know	know	VERB
fsr-3898	93	4	that	that	SCONJ
fsr-3898	93	5	this	this	DET
fsr-3898	93	6	type	type	NOUN
fsr-3898	93	7	of	of	ADP
fsr-3898	93	8	coverage	coverage	NOUN
fsr-3898	93	9	can	can	AUX
fsr-3898	93	10	be	be	AUX
fsr-3898	93	11	critical	critical	ADJ
fsr-3898	93	12	and	and	CCONJ
fsr-3898	93	13	are	be	AUX
fsr-3898	93	14	interested	interested	ADJ
fsr-3898	93	15	in	in	ADP
fsr-3898	93	16	learning	learn	VERB
fsr-3898	93	17	about	about	ADP
fsr-3898	93	18	the	the	DET
fsr-3898	93	19	different	different	ADJ
fsr-3898	93	20	types	type	NOUN
fsr-3898	93	21	of	of	ADP
fsr-3898	93	22	health	health	NOUN
fsr-3898	93	23	policies	policy	NOUN
fsr-3898	93	24	that	that	PRON
fsr-3898	93	25	may	may	AUX
fsr-3898	93	26	be	be	AUX
fsr-3898	93	27	available	available	ADJ
fsr-3898	93	28	through	through	ADP
fsr-3898	93	29	their	their	PRON
fsr-3898	93	30	future	future	ADJ
fsr-3898	93	31	employers	employer	NOUN
fsr-3898	93	32	.	.	PUNCT
fsr-3898	94	1	students	student	NOUN
fsr-3898	94	2	in	in	ADP
fsr-3898	94	3	our	our	PRON
fsr-3898	94	4	personal	personal	ADJ
fsr-3898	94	5	financial	financial	ADJ
fsr-3898	94	6	planning	planning	NOUN
fsr-3898	94	7	classes	class	NOUN
fsr-3898	94	8	usually	usually	ADV
fsr-3898	94	9	know	know	VERB
fsr-3898	94	10	that	that	SCONJ
fsr-3898	94	11	automobile	automobile	NOUN
fsr-3898	94	12	insurance	insurance	NOUN
fsr-3898	94	13	is	be	AUX
fsr-3898	94	14	necessary	necessary	ADJ
fsr-3898	94	15	to	to	PART
fsr-3898	94	16	conform	conform	VERB
fsr-3898	94	17	to	to	ADP
fsr-3898	94	18	the	the	DET
fsr-3898	94	19	law	law	NOUN
fsr-3898	94	20	in	in	ADP
fsr-3898	94	21	most	most	ADJ
fsr-3898	94	22	states	state	NOUN
fsr-3898	94	23	and	and	CCONJ
fsr-3898	94	24	can	can	AUX
fsr-3898	94	25	save	save	VERB
fsr-3898	94	26	a	a	DET
fsr-3898	94	27	person	person	NOUN
fsr-3898	94	28	from	from	ADP
fsr-3898	94	29	financial	financial	ADJ
fsr-3898	94	30	distress	distress	NOUN
fsr-3898	94	31	.	.	PUNCT
fsr-3898	95	1	many	many	ADJ
fsr-3898	95	2	of	of	ADP
fsr-3898	95	3	them	they	PRON
fsr-3898	95	4	express	express	VERB
fsr-3898	95	5	dissatisfaction	dissatisfaction	NOUN
fsr-3898	95	6	with	with	ADP
fsr-3898	95	7	the	the	DET
fsr-3898	95	8	premiums	premium	NOUN
fsr-3898	95	9	they	they	PRON
fsr-3898	95	10	now	now	ADV
fsr-3898	95	11	pay	pay	VERB
fsr-3898	95	12	.	.	PUNCT
fsr-3898	96	1	but	but	CCONJ
fsr-3898	96	2	they	they	PRON
fsr-3898	96	3	are	be	AUX
fsr-3898	96	4	unaware	unaware	ADJ
fsr-3898	96	5	of	of	ADP
fsr-3898	96	6	the	the	DET
fsr-3898	96	7	differences	difference	NOUN
fsr-3898	96	8	in	in	ADP
fsr-3898	96	9	types	type	NOUN
fsr-3898	96	10	of	of	ADP
fsr-3898	96	11	policies	policy	NOUN
fsr-3898	96	12	and	and	CCONJ
fsr-3898	96	13	that	that	SCONJ
fsr-3898	96	14	they	they	PRON
fsr-3898	96	15	should	should	AUX
fsr-3898	96	16	shop	shop	VERB
fsr-3898	96	17	for	for	ADP
fsr-3898	96	18	the	the	DET
fsr-3898	96	19	best	good	ADJ
fsr-3898	96	20	policy	policy	NOUN
fsr-3898	96	21	.	.	PUNCT
fsr-3898	97	1	many	many	ADJ
fsr-3898	97	2	of	of	ADP
fsr-3898	97	3	them	they	PRON
fsr-3898	97	4	,	,	PUNCT
fsr-3898	97	5	however	however	ADV
fsr-3898	97	6	,	,	PUNCT
fsr-3898	97	7	have	have	AUX
fsr-3898	97	8	never	never	ADV
fsr-3898	97	9	considered	consider	VERB
fsr-3898	97	10	the	the	DET
fsr-3898	97	11	need	need	NOUN
fsr-3898	97	12	for	for	ADP
fsr-3898	97	13	homeowners	homeowner	NOUN
fsr-3898	97	14	or	or	CCONJ
fsr-3898	97	15	tenants	tenant	NOUN
fsr-3898	97	16	insurance	insurance	NOUN
fsr-3898	97	17	.	.	PUNCT
fsr-3898	98	1	they	they	PRON
fsr-3898	98	2	know	know	VERB
fsr-3898	98	3	their	their	PRON
fsr-3898	98	4	parents	parent	NOUN
fsr-3898	98	5	have	have	VERB
fsr-3898	98	6	coverage	coverage	NOUN
fsr-3898	98	7	and	and	CCONJ
fsr-3898	98	8	feel	feel	VERB
fsr-3898	98	9	that	that	SCONJ
fsr-3898	98	10	they	they	PRON
fsr-3898	98	11	themselves	themselves	PRON
fsr-3898	98	12	do	do	AUX
fsr-3898	98	13	n’t	not	PART
fsr-3898	98	14	own	own	VERB
fsr-3898	98	15	264	264	NUM
fsr-3898	98	16	n.	n.	NOUN
fsr-3898	98	17	chieffe	chieffe	PROPN
fsr-3898	98	18	,	,	PUNCT
fsr-3898	98	19	g.k	g.k	PROPN
fsr-3898	98	20	.	.	PROPN
fsr-3898	98	21	rakes	rakes	PROPN
fsr-3898	98	22	/	/	SYM
fsr-3898	98	23	financial	financial	ADJ
fsr-3898	98	24	services	service	NOUN
fsr-3898	98	25	review	review	VERB
fsr-3898	98	26	8	8	NUM
fsr-3898	98	27	(	(	PUNCT
fsr-3898	98	28	1999	1999	NUM
fsr-3898	98	29	)	)	PUNCT
fsr-3898	99	1	261–268	261–268	NUM
fsr-3898	99	2	enough	enough	ADJ
fsr-3898	99	3	property	property	NOUN
fsr-3898	99	4	to	to	PART
fsr-3898	99	5	insure	insure	VERB
fsr-3898	99	6	.	.	PUNCT
fsr-3898	100	1	after	after	SCONJ
fsr-3898	100	2	we	we	PRON
fsr-3898	100	3	discuss	discuss	VERB
fsr-3898	100	4	the	the	DET
fsr-3898	100	5	facets	facet	NOUN
fsr-3898	100	6	of	of	ADP
fsr-3898	100	7	homeowners	homeowner	NOUN
fsr-3898	100	8	policies	policy	NOUN
fsr-3898	100	9	some	some	PRON
fsr-3898	100	10	of	of	ADP
fsr-3898	100	11	them	they	PRON
fsr-3898	100	12	reconsider	reconsider	VERB
fsr-3898	100	13	.	.	PUNCT
fsr-3898	101	1	the	the	DET
fsr-3898	101	2	funds	fund	NOUN
fsr-3898	101	3	for	for	ADP
fsr-3898	101	4	the	the	DET
fsr-3898	101	5	emergency	emergency	NOUN
fsr-3898	101	6	savings	saving	NOUN
fsr-3898	101	7	account	account	NOUN
fsr-3898	101	8	and	and	CCONJ
fsr-3898	101	9	for	for	ADP
fsr-3898	101	10	insurance	insurance	NOUN
fsr-3898	101	11	premiums	premium	NOUN
fsr-3898	101	12	are	be	AUX
fsr-3898	101	13	appropriated	appropriate	VERB
fsr-3898	101	14	through	through	ADP
fsr-3898	101	15	the	the	DET
fsr-3898	101	16	budgeting	budgeting	NOUN
fsr-3898	101	17	process	process	NOUN
fsr-3898	101	18	in	in	ADP
fsr-3898	101	19	the	the	DET
fsr-3898	101	20	money	money	NOUN
fsr-3898	101	21	management	management	NOUN
fsr-3898	101	22	category	category	NOUN
fsr-3898	101	23	.	.	PUNCT
fsr-3898	102	1	sometimes	sometimes	ADV
fsr-3898	102	2	it	it	PRON
fsr-3898	102	3	may	may	AUX
fsr-3898	102	4	be	be	AUX
fsr-3898	102	5	necessary	necessary	ADJ
fsr-3898	102	6	to	to	PART
fsr-3898	102	7	reduce	reduce	VERB
fsr-3898	102	8	expenditures	expenditure	NOUN
fsr-3898	102	9	for	for	ADP
fsr-3898	102	10	other	other	ADJ
fsr-3898	102	11	discretionary	discretionary	ADJ
fsr-3898	102	12	items	item	NOUN
fsr-3898	102	13	in	in	ADP
fsr-3898	102	14	order	order	NOUN
fsr-3898	102	15	to	to	PART
fsr-3898	102	16	obtain	obtain	VERB
fsr-3898	102	17	adequate	adequate	ADJ
fsr-3898	102	18	funds	fund	NOUN
fsr-3898	102	19	for	for	ADP
fsr-3898	102	20	these	these	DET
fsr-3898	102	21	items	item	NOUN
fsr-3898	102	22	or	or	CCONJ
fsr-3898	102	23	to	to	PART
fsr-3898	102	24	maintain	maintain	VERB
fsr-3898	102	25	the	the	DET
fsr-3898	102	26	open	open	ADJ
fsr-3898	102	27	line	line	NOUN
fsr-3898	102	28	of	of	ADP
fsr-3898	102	29	credit	credit	NOUN
fsr-3898	102	30	.	.	PUNCT
fsr-3898	103	1	many	many	ADJ
fsr-3898	103	2	students	student	NOUN
fsr-3898	103	3	in	in	ADP
fsr-3898	103	4	our	our	PRON
fsr-3898	103	5	classes	class	NOUN
fsr-3898	103	6	graduate	graduate	VERB
fsr-3898	103	7	with	with	ADP
fsr-3898	103	8	significant	significant	ADJ
fsr-3898	103	9	financial	financial	ADJ
fsr-3898	103	10	obligations	obligation	NOUN
fsr-3898	103	11	incurred	incur	VERB
fsr-3898	103	12	during	during	ADP
fsr-3898	103	13	their	their	PRON
fsr-3898	103	14	college	college	NOUN
fsr-3898	103	15	years	year	NOUN
fsr-3898	103	16	.	.	PUNCT
fsr-3898	104	1	they	they	PRON
fsr-3898	104	2	reveal	reveal	VERB
fsr-3898	104	3	that	that	SCONJ
fsr-3898	104	4	they	they	PRON
fsr-3898	104	5	have	have	AUX
fsr-3898	104	6	accrued	accrue	VERB
fsr-3898	104	7	large	large	ADJ
fsr-3898	104	8	amounts	amount	NOUN
fsr-3898	104	9	of	of	ADP
fsr-3898	104	10	credit	credit	NOUN
fsr-3898	104	11	card	card	NOUN
fsr-3898	104	12	and	and	CCONJ
fsr-3898	104	13	student	student	NOUN
fsr-3898	104	14	loan	loan	NOUN
fsr-3898	104	15	debt	debt	NOUN
fsr-3898	104	16	.	.	PUNCT
fsr-3898	105	1	they	they	PRON
fsr-3898	105	2	will	will	AUX
fsr-3898	105	3	need	need	VERB
fsr-3898	105	4	to	to	PART
fsr-3898	105	5	plan	plan	VERB
fsr-3898	105	6	to	to	PART
fsr-3898	105	7	meet	meet	VERB
fsr-3898	105	8	this	this	DET
fsr-3898	105	9	existing	exist	VERB
fsr-3898	105	10	debt	debt	NOUN
fsr-3898	105	11	and	and	CCONJ
fsr-3898	105	12	to	to	PART
fsr-3898	105	13	prepare	prepare	VERB
fsr-3898	105	14	for	for	ADP
fsr-3898	105	15	unexpected	unexpected	ADJ
fsr-3898	105	16	financial	financial	ADJ
fsr-3898	105	17	problems	problem	NOUN
fsr-3898	105	18	.	.	PUNCT
fsr-3898	106	1	it	it	PRON
fsr-3898	106	2	may	may	AUX
fsr-3898	106	3	take	take	VERB
fsr-3898	106	4	efforts	effort	NOUN
fsr-3898	106	5	for	for	ADP
fsr-3898	106	6	some	some	DET
fsr-3898	106	7	years	year	NOUN
fsr-3898	106	8	after	after	SCONJ
fsr-3898	106	9	graduation	graduation	NOUN
fsr-3898	106	10	to	to	PART
fsr-3898	106	11	reach	reach	VERB
fsr-3898	106	12	a	a	DET
fsr-3898	106	13	financial	financial	ADJ
fsr-3898	106	14	position	position	NOUN
fsr-3898	106	15	where	where	SCONJ
fsr-3898	106	16	they	they	PRON
fsr-3898	106	17	may	may	AUX
fsr-3898	106	18	begin	begin	VERB
fsr-3898	106	19	effective	effective	ADJ
fsr-3898	106	20	wealth	wealth	NOUN
fsr-3898	106	21	accumulation	accumulation	NOUN
fsr-3898	106	22	.	.	PUNCT
fsr-3898	107	1	2.3	2.3	NUM
fsr-3898	107	2	.	.	PUNCT
fsr-3898	108	1	investing	invest	VERB
fsr-3898	108	2	for	for	ADP
fsr-3898	108	3	goals	goal	NOUN
fsr-3898	108	4	the	the	DET
fsr-3898	108	5	third	third	ADJ
fsr-3898	108	6	category	category	NOUN
fsr-3898	108	7	,	,	PUNCT
fsr-3898	108	8	investing	invest	VERB
fsr-3898	108	9	for	for	ADP
fsr-3898	108	10	goals	goal	NOUN
fsr-3898	108	11	,	,	PUNCT
fsr-3898	108	12	includes	include	VERB
fsr-3898	108	13	the	the	DET
fsr-3898	108	14	intermediate	intermediate	ADJ
fsr-3898	108	15	-	-	PUNCT
fsr-3898	108	16	term	term	NOUN
fsr-3898	108	17	and	and	CCONJ
fsr-3898	108	18	long	long	ADJ
fsr-3898	108	19	-	-	PUNCT
fsr-3898	108	20	term	term	NOUN
fsr-3898	108	21	goals	goal	NOUN
fsr-3898	108	22	which	which	PRON
fsr-3898	108	23	the	the	DET
fsr-3898	108	24	individual	individual	NOUN
fsr-3898	108	25	expects	expect	VERB
fsr-3898	108	26	to	to	PART
fsr-3898	108	27	reach	reach	VERB
fsr-3898	108	28	.	.	PUNCT
fsr-3898	109	1	individuals	individual	NOUN
fsr-3898	109	2	with	with	ADP
fsr-3898	109	3	ill	ill	ADV
fsr-3898	109	4	-	-	PUNCT
fsr-3898	109	5	defined	define	VERB
fsr-3898	109	6	or	or	CCONJ
fsr-3898	109	7	undefined	undefined	ADJ
fsr-3898	109	8	goals	goal	NOUN
fsr-3898	109	9	may	may	AUX
fsr-3898	109	10	never	never	ADV
fsr-3898	109	11	have	have	VERB
fsr-3898	109	12	the	the	DET
fsr-3898	109	13	incentive	incentive	NOUN
fsr-3898	109	14	to	to	PART
fsr-3898	109	15	invest	invest	VERB
fsr-3898	109	16	for	for	ADP
fsr-3898	109	17	the	the	DET
fsr-3898	109	18	long	long	ADJ
fsr-3898	109	19	-	-	PUNCT
fsr-3898	109	20	term	term	NOUN
fsr-3898	109	21	or	or	CCONJ
fsr-3898	109	22	may	may	AUX
fsr-3898	109	23	be	be	AUX
fsr-3898	109	24	more	more	ADV
fsr-3898	109	25	easily	easily	ADV
fsr-3898	109	26	tempted	tempt	VERB
fsr-3898	109	27	by	by	ADP
fsr-3898	109	28	short	short	ADJ
fsr-3898	109	29	-	-	PUNCT
fsr-3898	109	30	term	term	NOUN
fsr-3898	109	31	investment	investment	NOUN
fsr-3898	109	32	techniques	technique	NOUN
fsr-3898	109	33	.	.	PUNCT
fsr-3898	110	1	to	to	PART
fsr-3898	110	2	help	help	VERB
fsr-3898	110	3	students	student	NOUN
fsr-3898	110	4	and	and	CCONJ
fsr-3898	110	5	clients	client	NOUN
fsr-3898	110	6	define	define	VERB
fsr-3898	110	7	their	their	PRON
fsr-3898	110	8	goals	goal	NOUN
fsr-3898	110	9	we	we	PRON
fsr-3898	110	10	ask	ask	VERB
fsr-3898	110	11	them	they	PRON
fsr-3898	110	12	to	to	PART
fsr-3898	110	13	consider	consider	VERB
fsr-3898	110	14	the	the	DET
fsr-3898	110	15	question	question	NOUN
fsr-3898	110	16	,	,	PUNCT
fsr-3898	110	17	“	"	PUNCT
fsr-3898	110	18	if	if	SCONJ
fsr-3898	110	19	you	you	PRON
fsr-3898	110	20	could	could	AUX
fsr-3898	110	21	have	have	VERB
fsr-3898	110	22	anything	anything	PRON
fsr-3898	110	23	you	you	PRON
fsr-3898	110	24	wanted	want	VERB
fsr-3898	110	25	,	,	PUNCT
fsr-3898	110	26	what	what	PRON
fsr-3898	110	27	would	would	AUX
fsr-3898	110	28	that	that	PRON
fsr-3898	110	29	be	be	AUX
fsr-3898	110	30	?	?	PUNCT
fsr-3898	110	31	”	"	PUNCT
fsr-3898	111	1	this	this	DET
fsr-3898	111	2	question	question	NOUN
fsr-3898	111	3	guarantees	guarantee	VERB
fsr-3898	111	4	a	a	DET
fsr-3898	111	5	smiling	smile	VERB
fsr-3898	111	6	audience	audience	NOUN
fsr-3898	111	7	!	!	PUNCT
fsr-3898	112	1	then	then	ADV
fsr-3898	112	2	they	they	PRON
fsr-3898	112	3	answer	answer	VERB
fsr-3898	112	4	more	more	ADJ
fsr-3898	112	5	questions	question	NOUN
fsr-3898	112	6	about	about	ADP
fsr-3898	112	7	this	this	DET
fsr-3898	112	8	dream	dream	NOUN
fsr-3898	112	9	,	,	PUNCT
fsr-3898	112	10	“	"	PUNCT
fsr-3898	112	11	when	when	SCONJ
fsr-3898	112	12	would	would	AUX
fsr-3898	112	13	you	you	PRON
fsr-3898	112	14	like	like	VERB
fsr-3898	112	15	to	to	PART
fsr-3898	112	16	plan	plan	VERB
fsr-3898	112	17	to	to	PART
fsr-3898	112	18	have	have	VERB
fsr-3898	112	19	this	this	PRON
fsr-3898	112	20	?	?	PUNCT
fsr-3898	113	1	how	how	SCONJ
fsr-3898	113	2	much	much	ADJ
fsr-3898	113	3	would	would	AUX
fsr-3898	113	4	it	it	PRON
fsr-3898	113	5	cost	cost	VERB
fsr-3898	113	6	to	to	PART
fsr-3898	113	7	have	have	VERB
fsr-3898	113	8	it	it	PRON
fsr-3898	113	9	today	today	NOUN
fsr-3898	113	10	?	?	PUNCT
fsr-3898	114	1	is	be	AUX
fsr-3898	114	2	there	there	PRON
fsr-3898	114	3	any	any	DET
fsr-3898	114	4	other	other	ADJ
fsr-3898	114	5	goal	goal	NOUN
fsr-3898	114	6	which	which	PRON
fsr-3898	114	7	is	be	AUX
fsr-3898	114	8	more	more	ADV
fsr-3898	114	9	important	important	ADJ
fsr-3898	114	10	to	to	ADP
fsr-3898	114	11	you	you	PRON
fsr-3898	114	12	than	than	ADP
fsr-3898	114	13	this	this	DET
fsr-3898	114	14	one	one	NOUN
fsr-3898	114	15	?	?	PUNCT
fsr-3898	114	16	”	"	PUNCT
fsr-3898	115	1	after	after	SCONJ
fsr-3898	115	2	each	each	DET
fsr-3898	115	3	person	person	NOUN
fsr-3898	115	4	has	have	AUX
fsr-3898	115	5	prioritized	prioritize	VERB
fsr-3898	115	6	the	the	DET
fsr-3898	115	7	goals	goal	NOUN
fsr-3898	115	8	listed	list	VERB
fsr-3898	115	9	,	,	PUNCT
fsr-3898	115	10	we	we	PRON
fsr-3898	115	11	begin	begin	VERB
fsr-3898	115	12	to	to	PART
fsr-3898	115	13	analyze	analyze	VERB
fsr-3898	115	14	each	each	DET
fsr-3898	115	15	one	one	NOUN
fsr-3898	115	16	for	for	ADP
fsr-3898	115	17	the	the	DET
fsr-3898	115	18	present	present	ADJ
fsr-3898	115	19	value	value	NOUN
fsr-3898	115	20	of	of	ADP
fsr-3898	115	21	the	the	DET
fsr-3898	115	22	cost	cost	NOUN
fsr-3898	115	23	,	,	PUNCT
fsr-3898	115	24	the	the	DET
fsr-3898	115	25	estimated	estimate	VERB
fsr-3898	115	26	time	time	NOUN
fsr-3898	115	27	to	to	PART
fsr-3898	115	28	reach	reach	VERB
fsr-3898	115	29	the	the	DET
fsr-3898	115	30	goal	goal	NOUN
fsr-3898	115	31	and	and	CCONJ
fsr-3898	115	32	the	the	DET
fsr-3898	115	33	degree	degree	NOUN
fsr-3898	115	34	of	of	ADP
fsr-3898	115	35	risk	risk	NOUN
fsr-3898	115	36	acceptable	acceptable	ADJ
fsr-3898	115	37	in	in	ADP
fsr-3898	115	38	reaching	reach	VERB
fsr-3898	115	39	the	the	DET
fsr-3898	115	40	goal	goal	NOUN
fsr-3898	115	41	.	.	PUNCT
fsr-3898	116	1	the	the	DET
fsr-3898	116	2	goals	goal	NOUN
fsr-3898	116	3	are	be	AUX
fsr-3898	116	4	as	as	ADV
fsr-3898	116	5	numerous	numerous	ADJ
fsr-3898	116	6	and	and	CCONJ
fsr-3898	116	7	various	various	ADJ
fsr-3898	116	8	as	as	ADP
fsr-3898	116	9	the	the	DET
fsr-3898	116	10	students	student	NOUN
fsr-3898	116	11	and	and	CCONJ
fsr-3898	116	12	clients	client	NOUN
fsr-3898	116	13	.	.	PUNCT
fsr-3898	117	1	some	some	PRON
fsr-3898	117	2	choose	choose	VERB
fsr-3898	117	3	retirement	retirement	NOUN
fsr-3898	117	4	as	as	ADP
fsr-3898	117	5	the	the	DET
fsr-3898	117	6	most	most	ADV
fsr-3898	117	7	important	important	ADJ
fsr-3898	117	8	goal	goal	NOUN
fsr-3898	117	9	;	;	PUNCT
fsr-3898	117	10	others	other	NOUN
fsr-3898	117	11	choose	choose	VERB
fsr-3898	117	12	to	to	PART
fsr-3898	117	13	save	save	VERB
fsr-3898	117	14	for	for	ADP
fsr-3898	117	15	the	the	DET
fsr-3898	117	16	down	down	ADJ
fsr-3898	117	17	-	-	PUNCT
fsr-3898	117	18	payment	payment	NOUN
fsr-3898	117	19	on	on	ADP
fsr-3898	117	20	their	their	PRON
fsr-3898	117	21	first	first	ADJ
fsr-3898	117	22	home	home	NOUN
fsr-3898	117	23	or	or	CCONJ
fsr-3898	117	24	for	for	ADP
fsr-3898	117	25	their	their	PRON
fsr-3898	117	26	children	child	NOUN
fsr-3898	117	27	’s	’s	PART
fsr-3898	117	28	college	college	NOUN
fsr-3898	117	29	education	education	NOUN
fsr-3898	117	30	.	.	PUNCT
fsr-3898	118	1	time	time	NOUN
fsr-3898	118	2	-	-	PUNCT
fsr-3898	118	3	value	value	NOUN
fsr-3898	118	4	-	-	PUNCT
fsr-3898	118	5	of	of	ADP
fsr-3898	118	6	-	-	PUNCT
fsr-3898	118	7	money	money	NOUN
fsr-3898	118	8	concepts	concept	NOUN
fsr-3898	118	9	are	be	AUX
fsr-3898	118	10	used	use	VERB
fsr-3898	118	11	to	to	PART
fsr-3898	118	12	determine	determine	VERB
fsr-3898	118	13	the	the	DET
fsr-3898	118	14	amount	amount	NOUN
fsr-3898	118	15	of	of	ADP
fsr-3898	118	16	monthly	monthly	ADJ
fsr-3898	118	17	investment	investment	NOUN
fsr-3898	118	18	that	that	PRON
fsr-3898	118	19	is	be	AUX
fsr-3898	118	20	needed	need	VERB
fsr-3898	118	21	.	.	PUNCT
fsr-3898	119	1	we	we	PRON
fsr-3898	119	2	show	show	VERB
fsr-3898	119	3	the	the	DET
fsr-3898	119	4	students	student	NOUN
fsr-3898	119	5	how	how	SCONJ
fsr-3898	119	6	to	to	PART
fsr-3898	119	7	choose	choose	VERB
fsr-3898	119	8	appropriate	appropriate	ADJ
fsr-3898	119	9	investment	investment	NOUN
fsr-3898	119	10	vehicles	vehicle	NOUN
fsr-3898	119	11	based	base	VERB
fsr-3898	119	12	on	on	ADP
fsr-3898	119	13	their	their	PRON
fsr-3898	119	14	risk	risk	NOUN
fsr-3898	119	15	aversion	aversion	NOUN
fsr-3898	119	16	tendencies	tendency	NOUN
fsr-3898	119	17	,	,	PUNCT
fsr-3898	119	18	investment	investment	NOUN
fsr-3898	119	19	horizon	horizon	NOUN
fsr-3898	119	20	and	and	CCONJ
fsr-3898	119	21	position	position	NOUN
fsr-3898	119	22	in	in	ADP
fsr-3898	119	23	the	the	DET
fsr-3898	119	24	life	life	NOUN
fsr-3898	119	25	cycle	cycle	NOUN
fsr-3898	119	26	(	(	PUNCT
fsr-3898	119	27	see	see	VERB
fsr-3898	119	28	modigliani	modigliani	PROPN
fsr-3898	119	29	and	and	CCONJ
fsr-3898	119	30	ando	ando	PROPN
fsr-3898	119	31	,	,	PUNCT
fsr-3898	119	32	1963	1963	NUM
fsr-3898	119	33	)	)	PUNCT
fsr-3898	119	34	.	.	PUNCT
fsr-3898	120	1	we	we	PRON
fsr-3898	120	2	discuss	discuss	VERB
fsr-3898	120	3	why	why	SCONJ
fsr-3898	120	4	certain	certain	ADJ
fsr-3898	120	5	categories	category	NOUN
fsr-3898	120	6	of	of	ADP
fsr-3898	120	7	investments	investment	NOUN
fsr-3898	120	8	are	be	AUX
fsr-3898	120	9	more	more	ADV
fsr-3898	120	10	appropriate	appropriate	ADJ
fsr-3898	120	11	for	for	ADP
fsr-3898	120	12	certain	certain	ADJ
fsr-3898	120	13	goals	goal	NOUN
fsr-3898	120	14	(	(	PUNCT
fsr-3898	120	15	see	see	VERB
fsr-3898	120	16	butler	butler	NOUN
fsr-3898	120	17	and	and	CCONJ
fsr-3898	120	18	domian	domian	PROPN
fsr-3898	120	19	,	,	PUNCT
fsr-3898	120	20	1993	1993	NUM
fsr-3898	120	21	,	,	PUNCT
fsr-3898	120	22	for	for	ADP
fsr-3898	120	23	simulations	simulation	NOUN
fsr-3898	120	24	which	which	PRON
fsr-3898	120	25	illustrate	illustrate	VERB
fsr-3898	120	26	the	the	DET
fsr-3898	120	27	probable	probable	ADJ
fsr-3898	120	28	returns	return	NOUN
fsr-3898	120	29	for	for	ADP
fsr-3898	120	30	various	various	ADJ
fsr-3898	120	31	investment	investment	NOUN
fsr-3898	120	32	horizons	horizon	NOUN
fsr-3898	120	33	)	)	PUNCT
fsr-3898	120	34	.	.	PUNCT
fsr-3898	121	1	some	some	DET
fsr-3898	121	2	attention	attention	NOUN
fsr-3898	121	3	is	be	AUX
fsr-3898	121	4	devoted	devote	VERB
fsr-3898	121	5	to	to	ADP
fsr-3898	121	6	employer	employer	NOUN
fsr-3898	121	7	pension	pension	NOUN
fsr-3898	121	8	fund	fund	NOUN
fsr-3898	121	9	analysis	analysis	NOUN
fsr-3898	121	10	and	and	CCONJ
fsr-3898	121	11	tax	tax	NOUN
fsr-3898	121	12	-	-	PUNCT
fsr-3898	121	13	sheltered	shelter	VERB
fsr-3898	121	14	investment	investment	NOUN
fsr-3898	121	15	opportunities	opportunity	NOUN
fsr-3898	121	16	.	.	PUNCT
fsr-3898	122	1	the	the	DET
fsr-3898	122	2	changing	change	VERB
fsr-3898	122	3	rules	rule	NOUN
fsr-3898	122	4	on	on	ADP
fsr-3898	122	5	vesting	vest	VERB
fsr-3898	122	6	,	,	PUNCT
fsr-3898	122	7	portability	portability	NOUN
fsr-3898	122	8	,	,	PUNCT
fsr-3898	122	9	ira	ira	PROPN
fsr-3898	122	10	’s	’s	PART
fsr-3898	122	11	and	and	CCONJ
fsr-3898	122	12	concerns	concern	NOUN
fsr-3898	122	13	about	about	ADP
fsr-3898	122	14	the	the	DET
fsr-3898	122	15	social	social	ADJ
fsr-3898	122	16	security	security	NOUN
fsr-3898	122	17	system	system	NOUN
fsr-3898	122	18	require	require	VERB
fsr-3898	122	19	attention	attention	NOUN
fsr-3898	122	20	.	.	PUNCT
fsr-3898	123	1	taking	take	VERB
fsr-3898	123	2	these	these	DET
fsr-3898	123	3	factors	factor	NOUN
fsr-3898	123	4	into	into	ADP
fsr-3898	123	5	account	account	NOUN
fsr-3898	123	6	,	,	PUNCT
fsr-3898	123	7	appropriate	appropriate	ADJ
fsr-3898	123	8	investments	investment	NOUN
fsr-3898	123	9	can	can	AUX
fsr-3898	123	10	be	be	AUX
fsr-3898	123	11	matched	match	VERB
fsr-3898	123	12	to	to	ADP
fsr-3898	123	13	each	each	DET
fsr-3898	123	14	goal	goal	NOUN
fsr-3898	123	15	.	.	PUNCT
fsr-3898	124	1	hensel	hensel	PROPN
fsr-3898	124	2	,	,	PUNCT
fsr-3898	124	3	ezra	ezra	PROPN
fsr-3898	124	4	and	and	CCONJ
fsr-3898	124	5	ilkiw	ilkiw	NOUN
fsr-3898	124	6	(	(	PUNCT
fsr-3898	124	7	1991	1991	NUM
fsr-3898	124	8	)	)	PUNCT
fsr-3898	124	9	show	show	VERB
fsr-3898	124	10	that	that	SCONJ
fsr-3898	124	11	the	the	DET
fsr-3898	124	12	type	type	NOUN
fsr-3898	124	13	of	of	ADP
fsr-3898	124	14	investment	investment	NOUN
fsr-3898	124	15	is	be	AUX
fsr-3898	124	16	much	much	ADV
fsr-3898	124	17	more	more	ADV
fsr-3898	124	18	important	important	ADJ
fsr-3898	124	19	than	than	ADP
fsr-3898	124	20	the	the	DET
fsr-3898	124	21	choice	choice	NOUN
fsr-3898	124	22	of	of	ADP
fsr-3898	124	23	specific	specific	ADJ
fsr-3898	124	24	investment	investment	NOUN
fsr-3898	124	25	within	within	ADP
fsr-3898	124	26	the	the	DET
fsr-3898	124	27	category	category	NOUN
fsr-3898	124	28	.	.	PUNCT
fsr-3898	125	1	the	the	DET
fsr-3898	125	2	effects	effect	NOUN
fsr-3898	125	3	of	of	ADP
fsr-3898	125	4	inflation	inflation	NOUN
fsr-3898	125	5	and	and	CCONJ
fsr-3898	125	6	investment	investment	NOUN
fsr-3898	125	7	returns	return	NOUN
fsr-3898	125	8	are	be	AUX
fsr-3898	125	9	included	include	VERB
fsr-3898	125	10	in	in	ADP
fsr-3898	125	11	the	the	DET
fsr-3898	125	12	analysis	analysis	NOUN
fsr-3898	125	13	.	.	PUNCT
fsr-3898	126	1	funds	fund	NOUN
fsr-3898	126	2	for	for	ADP
fsr-3898	126	3	investing	invest	VERB
fsr-3898	126	4	for	for	ADP
fsr-3898	126	5	goalsare	goalsare	NOUN
fsr-3898	126	6	allocated	allocate	VERB
fsr-3898	126	7	through	through	ADP
fsr-3898	126	8	the	the	DET
fsr-3898	126	9	budget	budget	NOUN
fsr-3898	126	10	in	in	ADP
fsr-3898	126	11	themoney	themoney	PROPN
fsr-3898	126	12	managementcategory	managementcategory	NOUN
fsr-3898	126	13	and	and	CCONJ
fsr-3898	126	14	are	be	AUX
fsr-3898	126	15	directed	direct	VERB
fsr-3898	126	16	to	to	ADP
fsr-3898	126	17	the	the	DET
fsr-3898	126	18	appropriate	appropriate	ADJ
fsr-3898	126	19	investments	investment	NOUN
fsr-3898	126	20	.	.	PUNCT
fsr-3898	127	1	265n	265n	NOUN
fsr-3898	127	2	.	.	PUNCT
fsr-3898	128	1	chieffe	chieffe	PROPN
fsr-3898	128	2	,	,	PUNCT
fsr-3898	128	3	g.k	g.k	PROPN
fsr-3898	128	4	.	.	PROPN
fsr-3898	128	5	rakes	rakes	PROPN
fsr-3898	128	6	/	/	SYM
fsr-3898	128	7	financial	financial	ADJ
fsr-3898	128	8	services	service	NOUN
fsr-3898	128	9	review	review	VERB
fsr-3898	128	10	8	8	NUM
fsr-3898	128	11	(	(	PUNCT
fsr-3898	128	12	1999	1999	NUM
fsr-3898	128	13	)	)	PUNCT
fsr-3898	129	1	261–268	261–268	NUM
fsr-3898	129	2	2.4	2.4	NUM
fsr-3898	129	3	.	.	PUNCT
fsr-3898	129	4	transference	transference	NOUN
fsr-3898	129	5	planning	plan	VERB
fsr-3898	129	6	the	the	DET
fsr-3898	129	7	fourth	fourth	ADJ
fsr-3898	129	8	category	category	NOUN
fsr-3898	129	9	is	be	AUX
fsr-3898	129	10	fortransference	fortransference	NOUN
fsr-3898	129	11	planningand	planningand	NOUN
fsr-3898	129	12	other	other	ADJ
fsr-3898	129	13	long	long	ADJ
fsr-3898	129	14	-	-	PUNCT
fsr-3898	129	15	term	term	NOUN
fsr-3898	129	16	issues	issue	NOUN
fsr-3898	129	17	whose	whose	DET
fsr-3898	129	18	time	time	NOUN
fsr-3898	129	19	frame	frame	NOUN
fsr-3898	129	20	is	be	AUX
fsr-3898	129	21	unknown	unknown	ADJ
fsr-3898	129	22	.	.	PUNCT
fsr-3898	130	1	this	this	PRON
fsr-3898	130	2	encompasses	encompass	VERB
fsr-3898	130	3	estate	estate	NOUN
fsr-3898	130	4	planning	planning	NOUN
fsr-3898	130	5	,	,	PUNCT
fsr-3898	130	6	business	business	NOUN
fsr-3898	130	7	continuation	continuation	NOUN
fsr-3898	130	8	plans	plan	NOUN
fsr-3898	130	9	,	,	PUNCT
fsr-3898	130	10	life	life	NOUN
fsr-3898	130	11	insurance	insurance	NOUN
fsr-3898	130	12	and	and	CCONJ
fsr-3898	130	13	various	various	ADJ
fsr-3898	130	14	types	type	NOUN
fsr-3898	130	15	of	of	ADP
fsr-3898	130	16	trusts	trust	NOUN
fsr-3898	130	17	for	for	ADP
fsr-3898	130	18	the	the	DET
fsr-3898	130	19	care	care	NOUN
fsr-3898	130	20	of	of	ADP
fsr-3898	130	21	dependents	dependent	NOUN
fsr-3898	130	22	,	,	PUNCT
fsr-3898	130	23	the	the	DET
fsr-3898	130	24	disposal	disposal	NOUN
fsr-3898	130	25	of	of	ADP
fsr-3898	130	26	assets	asset	NOUN
fsr-3898	130	27	and	and	CCONJ
fsr-3898	130	28	techniques	technique	NOUN
fsr-3898	130	29	to	to	PART
fsr-3898	130	30	minimize	minimize	VERB
fsr-3898	130	31	estate	estate	NOUN
fsr-3898	130	32	taxes	taxis	NOUN
fsr-3898	130	33	.	.	PUNCT
fsr-3898	131	1	this	this	DET
fsr-3898	131	2	category	category	NOUN
fsr-3898	131	3	evolves	evolve	VERB
fsr-3898	131	4	over	over	ADP
fsr-3898	131	5	the	the	DET
fsr-3898	131	6	individual	individual	NOUN
fsr-3898	131	7	’s	’s	PART
fsr-3898	131	8	lifetime	lifetime	NOUN
fsr-3898	131	9	as	as	SCONJ
fsr-3898	131	10	certain	certain	ADJ
fsr-3898	131	11	continuance	continuance	NOUN
fsr-3898	131	12	and	and	CCONJ
fsr-3898	131	13	transference	transference	NOUN
fsr-3898	131	14	needs	need	VERB
fsr-3898	131	15	increase	increase	NOUN
fsr-3898	131	16	.	.	PUNCT
fsr-3898	132	1	most	most	ADJ
fsr-3898	132	2	young	young	ADJ
fsr-3898	132	3	adults	adult	NOUN
fsr-3898	132	4	do	do	AUX
fsr-3898	132	5	not	not	PART
fsr-3898	132	6	need	need	VERB
fsr-3898	132	7	to	to	PART
fsr-3898	132	8	direct	direct	VERB
fsr-3898	132	9	substantial	substantial	ADJ
fsr-3898	132	10	funds	fund	NOUN
fsr-3898	132	11	to	to	ADP
fsr-3898	132	12	this	this	DET
fsr-3898	132	13	area	area	NOUN
fsr-3898	132	14	until	until	SCONJ
fsr-3898	132	15	they	they	PRON
fsr-3898	132	16	have	have	AUX
fsr-3898	132	17	accumulated	accumulate	VERB
fsr-3898	132	18	assets	asset	NOUN
fsr-3898	132	19	and/or	and/or	CCONJ
fsr-3898	132	20	have	have	VERB
fsr-3898	132	21	dependents	dependent	NOUN
fsr-3898	132	22	.	.	PUNCT
fsr-3898	133	1	many	many	ADJ
fsr-3898	133	2	of	of	ADP
fsr-3898	133	3	our	our	PRON
fsr-3898	133	4	students	student	NOUN
fsr-3898	133	5	tell	tell	VERB
fsr-3898	133	6	us	we	PRON
fsr-3898	133	7	that	that	SCONJ
fsr-3898	133	8	they	they	PRON
fsr-3898	133	9	have	have	VERB
fsr-3898	133	10	life	life	NOUN
fsr-3898	133	11	insurance	insurance	NOUN
fsr-3898	133	12	policies	policy	NOUN
fsr-3898	133	13	which	which	PRON
fsr-3898	133	14	were	be	AUX
fsr-3898	133	15	purchased	purchase	VERB
fsr-3898	133	16	by	by	ADP
fsr-3898	133	17	their	their	PRON
fsr-3898	133	18	parents	parent	NOUN
fsr-3898	133	19	.	.	PUNCT
fsr-3898	134	1	others	other	NOUN
fsr-3898	134	2	are	be	AUX
fsr-3898	134	3	quite	quite	ADV
fsr-3898	134	4	averse	averse	ADJ
fsr-3898	134	5	to	to	ADP
fsr-3898	134	6	owning	own	VERB
fsr-3898	134	7	life	life	NOUN
fsr-3898	134	8	insurance	insurance	NOUN
fsr-3898	134	9	.	.	PUNCT
fsr-3898	135	1	individuals	individual	NOUN
fsr-3898	135	2	with	with	ADP
fsr-3898	135	3	no	no	DET
fsr-3898	135	4	dependents	dependent	NOUN
fsr-3898	135	5	need	need	VERB
fsr-3898	135	6	only	only	ADV
fsr-3898	135	7	enough	enough	ADJ
fsr-3898	135	8	life	life	NOUN
fsr-3898	135	9	insurance	insurance	NOUN
fsr-3898	135	10	to	to	PART
fsr-3898	135	11	cover	cover	VERB
fsr-3898	135	12	their	their	PRON
fsr-3898	135	13	final	final	ADJ
fsr-3898	135	14	expenses	expense	NOUN
fsr-3898	135	15	and	and	CCONJ
fsr-3898	135	16	debts	debt	NOUN
fsr-3898	135	17	in	in	ADP
fsr-3898	135	18	excess	excess	NOUN
fsr-3898	135	19	of	of	ADP
fsr-3898	135	20	their	their	PRON
fsr-3898	135	21	current	current	ADJ
fsr-3898	135	22	assets	asset	NOUN
fsr-3898	135	23	.	.	PUNCT
fsr-3898	136	1	individuals	individual	NOUN
fsr-3898	136	2	with	with	ADP
fsr-3898	136	3	dependents	dependent	NOUN
fsr-3898	136	4	are	be	AUX
fsr-3898	136	5	often	often	ADV
fsr-3898	136	6	interested	interested	ADJ
fsr-3898	136	7	in	in	ADP
fsr-3898	136	8	providing	provide	VERB
fsr-3898	136	9	income	income	NOUN
fsr-3898	136	10	for	for	ADP
fsr-3898	136	11	survivors	survivor	NOUN
fsr-3898	136	12	.	.	PUNCT
fsr-3898	137	1	3	3	X
fsr-3898	137	2	.	.	X
fsr-3898	137	3	applications	application	NOUN
fsr-3898	137	4	table	table	NOUN
fsr-3898	137	5	2	2	NUM
fsr-3898	137	6	indicates	indicate	VERB
fsr-3898	137	7	the	the	DET
fsr-3898	137	8	textual	textual	ADJ
fsr-3898	137	9	coverage	coverage	NOUN
fsr-3898	137	10	of	of	ADP
fsr-3898	137	11	the	the	DET
fsr-3898	137	12	content	content	NOUN
fsr-3898	137	13	included	include	VERB
fsr-3898	137	14	within	within	ADP
fsr-3898	137	15	the	the	DET
fsr-3898	137	16	financial	financial	ADJ
fsr-3898	137	17	planning	planning	NOUN
fsr-3898	137	18	model	model	NOUN
fsr-3898	137	19	.	.	PUNCT
fsr-3898	138	1	the	the	DET
fsr-3898	138	2	referenced	referenced	ADJ
fsr-3898	138	3	texts	text	NOUN
fsr-3898	138	4	were	be	AUX
fsr-3898	138	5	selected	select	VERB
fsr-3898	138	6	because	because	SCONJ
fsr-3898	138	7	of	of	ADP
fsr-3898	138	8	their	their	PRON
fsr-3898	138	9	wide	wide	ADJ
fsr-3898	138	10	acceptance	acceptance	NOUN
fsr-3898	138	11	in	in	ADP
fsr-3898	138	12	university	university	NOUN
fsr-3898	138	13	level	level	NOUN
fsr-3898	138	14	personal	personal	ADJ
fsr-3898	138	15	finance	finance	NOUN
fsr-3898	138	16	and	and	CCONJ
fsr-3898	138	17	financial	financial	ADJ
fsr-3898	138	18	planning	planning	NOUN
fsr-3898	138	19	courses	course	NOUN
fsr-3898	138	20	.	.	PUNCT
fsr-3898	139	1	other	other	ADJ
fsr-3898	139	2	books	book	NOUN
fsr-3898	139	3	devoted	devote	VERB
fsr-3898	139	4	to	to	ADP
fsr-3898	139	5	the	the	DET
fsr-3898	139	6	area	area	NOUN
fsr-3898	139	7	would	would	AUX
fsr-3898	139	8	likely	likely	ADV
fsr-3898	139	9	work	work	VERB
fsr-3898	139	10	equally	equally	ADV
fsr-3898	139	11	well	well	ADV
fsr-3898	139	12	.	.	PUNCT
fsr-3898	140	1	table	table	NOUN
fsr-3898	140	2	2	2	NUM
fsr-3898	140	3	chapters	chapter	NOUN
fsr-3898	140	4	from	from	ADP
fsr-3898	140	5	selected	select	VERB
fsr-3898	140	6	textbooks	textbook	NOUN
fsr-3898	140	7	which	which	PRON
fsr-3898	140	8	fit	fit	VERB
fsr-3898	140	9	into	into	ADP
fsr-3898	140	10	the	the	DET
fsr-3898	140	11	financial	financial	ADJ
fsr-3898	140	12	planning	planning	NOUN
fsr-3898	140	13	model	model	NOUN
fsr-3898	140	14	textbooka	textbooka	PROPN
fsr-3898	140	15	money	money	NOUN
fsr-3898	140	16	management	management	NOUN
fsr-3898	140	17	investing	invest	VERB
fsr-3898	140	18	for	for	ADP
fsr-3898	140	19	goals	goal	NOUN
fsr-3898	140	20	gf	gf	VERB
fsr-3898	140	21	2	2	NUM
fsr-3898	140	22	,	,	PUNCT
fsr-3898	140	23	3	3	NUM
fsr-3898	140	24	,	,	PUNCT
fsr-3898	140	25	4	4	NUM
fsr-3898	140	26	,	,	PUNCT
fsr-3898	140	27	5	5	NUM
fsr-3898	140	28	,	,	PUNCT
fsr-3898	140	29	6	6	NUM
fsr-3898	140	30	,	,	PUNCT
fsr-3898	140	31	7	7	NUM
fsr-3898	140	32	,	,	PUNCT
fsr-3898	140	33	8	8	NUM
fsr-3898	140	34	9	9	NUM
fsr-3898	140	35	,	,	PUNCT
fsr-3898	140	36	13	13	NUM
fsr-3898	140	37	,	,	PUNCT
fsr-3898	140	38	14	14	NUM
fsr-3898	140	39	,	,	PUNCT
fsr-3898	140	40	15	15	NUM
fsr-3898	140	41	,	,	PUNCT
fsr-3898	140	42	16	16	NUM
fsr-3898	140	43	,	,	PUNCT
fsr-3898	140	44	17	17	NUM
fsr-3898	140	45	,	,	PUNCT
fsr-3898	140	46	18	18	NUM
fsr-3898	140	47	gj	gj	NOUN
fsr-3898	140	48	2	2	NUM
fsr-3898	140	49	,	,	PUNCT
fsr-3898	140	50	3	3	NUM
fsr-3898	140	51	,	,	PUNCT
fsr-3898	140	52	4	4	NUM
fsr-3898	140	53	,	,	PUNCT
fsr-3898	140	54	6	6	NUM
fsr-3898	140	55	,	,	PUNCT
fsr-3898	140	56	7	7	NUM
fsr-3898	140	57	5	5	NUM
fsr-3898	140	58	,	,	PUNCT
fsr-3898	140	59	11	11	NUM
fsr-3898	140	60	,	,	PUNCT
fsr-3898	140	61	12	12	NUM
fsr-3898	140	62	,	,	PUNCT
fsr-3898	140	63	13	13	NUM
fsr-3898	140	64	,	,	PUNCT
fsr-3898	140	65	14	14	NUM
fsr-3898	140	66	hpr	hpr	PROPN
fsr-3898	140	67	4	4	NUM
fsr-3898	140	68	,	,	PUNCT
fsr-3898	140	69	5	5	NUM
fsr-3898	140	70	,	,	PUNCT
fsr-3898	140	71	6	6	NUM
fsr-3898	140	72	,	,	PUNCT
fsr-3898	140	73	7	7	NUM
fsr-3898	140	74	,	,	PUNCT
fsr-3898	140	75	11	11	NUM
fsr-3898	140	76	,	,	PUNCT
fsr-3898	140	77	12	12	NUM
fsr-3898	140	78	13	13	NUM
fsr-3898	140	79	,	,	PUNCT
fsr-3898	140	80	14	14	NUM
fsr-3898	140	81	,	,	PUNCT
fsr-3898	140	82	15	15	NUM
fsr-3898	140	83	,	,	PUNCT
fsr-3898	140	84	16	16	NUM
fsr-3898	140	85	,	,	PUNCT
fsr-3898	140	86	17	17	NUM
fsr-3898	140	87	k	k	NOUN
fsr-3898	140	88	4	4	NUM
fsr-3898	140	89	,	,	PUNCT
fsr-3898	140	90	5	5	NUM
fsr-3898	140	91	,	,	PUNCT
fsr-3898	140	92	6	6	NUM
fsr-3898	140	93	,	,	PUNCT
fsr-3898	140	94	7	7	NUM
fsr-3898	140	95	,	,	PUNCT
fsr-3898	140	96	8	8	NUM
fsr-3898	140	97	12	12	NUM
fsr-3898	140	98	,	,	PUNCT
fsr-3898	140	99	13	13	NUM
fsr-3898	140	100	,	,	PUNCT
fsr-3898	140	101	14	14	NUM
fsr-3898	140	102	,	,	PUNCT
fsr-3898	140	103	15	15	NUM
fsr-3898	140	104	,	,	PUNCT
fsr-3898	140	105	16	16	NUM
fsr-3898	140	106	,	,	PUNCT
fsr-3898	140	107	17	17	NUM
fsr-3898	140	108	rmc	rmc	NOUN
fsr-3898	140	109	2	2	NUM
fsr-3898	140	110	,	,	PUNCT
fsr-3898	140	111	3	3	NUM
fsr-3898	140	112	,	,	PUNCT
fsr-3898	140	113	4	4	NUM
fsr-3898	140	114	,	,	PUNCT
fsr-3898	140	115	5	5	NUM
fsr-3898	140	116	,	,	PUNCT
fsr-3898	140	117	6	6	NUM
fsr-3898	140	118	,	,	PUNCT
fsr-3898	140	119	7	7	NUM
fsr-3898	140	120	12	12	NUM
fsr-3898	140	121	,	,	PUNCT
fsr-3898	140	122	13	13	NUM
fsr-3898	140	123	,	,	PUNCT
fsr-3898	140	124	14	14	NUM
fsr-3898	140	125	,	,	PUNCT
fsr-3898	140	126	15	15	NUM
fsr-3898	140	127	,	,	PUNCT
fsr-3898	140	128	16	16	NUM
fsr-3898	140	129	rmac	rmac	NOUN
fsr-3898	140	130	2	2	NUM
fsr-3898	140	131	,	,	PUNCT
fsr-3898	140	132	3	3	NUM
fsr-3898	140	133	,	,	PUNCT
fsr-3898	140	134	4	4	NUM
fsr-3898	140	135	,	,	PUNCT
fsr-3898	140	136	5	5	NUM
fsr-3898	140	137	,	,	PUNCT
fsr-3898	140	138	6	6	NUM
fsr-3898	140	139	,	,	PUNCT
fsr-3898	140	140	7	7	NUM
fsr-3898	140	141	,	,	PUNCT
fsr-3898	140	142	8	8	NUM
fsr-3898	140	143	,	,	PUNCT
fsr-3898	140	144	9	9	NUM
fsr-3898	140	145	,	,	PUNCT
fsr-3898	140	146	10	10	NUM
fsr-3898	140	147	,	,	PUNCT
fsr-3898	140	148	11	11	NUM
fsr-3898	140	149	15	15	NUM
fsr-3898	140	150	,	,	PUNCT
fsr-3898	140	151	16	16	NUM
fsr-3898	140	152	,	,	PUNCT
fsr-3898	140	153	17	17	NUM
fsr-3898	140	154	,	,	PUNCT
fsr-3898	140	155	18	18	NUM
fsr-3898	140	156	wf	wf	PROPN
fsr-3898	140	157	2	2	NUM
fsr-3898	140	158	,	,	PUNCT
fsr-3898	140	159	3	3	NUM
fsr-3898	140	160	,	,	PUNCT
fsr-3898	140	161	4	4	NUM
fsr-3898	140	162	,	,	PUNCT
fsr-3898	140	163	5	5	NUM
fsr-3898	140	164	,	,	PUNCT
fsr-3898	140	165	16	16	NUM
fsr-3898	140	166	9	9	NUM
fsr-3898	140	167	,	,	PUNCT
fsr-3898	140	168	10	10	NUM
fsr-3898	140	169	,	,	PUNCT
fsr-3898	140	170	11	11	NUM
fsr-3898	140	171	,	,	PUNCT
fsr-3898	140	172	12	12	NUM
fsr-3898	140	173	,	,	PUNCT
fsr-3898	140	174	13	13	NUM
fsr-3898	140	175	,	,	PUNCT
fsr-3898	140	176	14	14	NUM
fsr-3898	140	177	,	,	PUNCT
fsr-3898	140	178	15	15	NUM
fsr-3898	140	179	,	,	PUNCT
fsr-3898	140	180	17	17	NUM
fsr-3898	140	181	emergency	emergency	NOUN
fsr-3898	140	182	planning	planning	NOUN
fsr-3898	140	183	transference	transference	NOUN
fsr-3898	140	184	planning	plan	VERB
fsr-3898	140	185	gf	gf	NOUN
fsr-3898	140	186	10	10	NUM
fsr-3898	140	187	,	,	PUNCT
fsr-3898	140	188	11	11	NUM
fsr-3898	140	189	12	12	NUM
fsr-3898	140	190	,	,	PUNCT
fsr-3898	140	191	19	19	NUM
fsr-3898	140	192	gj	gj	NOUN
fsr-3898	140	193	9	9	NUM
fsr-3898	140	194	,	,	PUNCT
fsr-3898	140	195	10	10	NUM
fsr-3898	140	196	8	8	NUM
fsr-3898	140	197	,	,	PUNCT
fsr-3898	140	198	15	15	NUM
fsr-3898	140	199	hpr	hpr	NOUN
fsr-3898	140	200	8	8	NUM
fsr-3898	140	201	,	,	PUNCT
fsr-3898	140	202	9	9	NUM
fsr-3898	140	203	,	,	PUNCT
fsr-3898	140	204	10	10	NUM
fsr-3898	140	205	k	k	NOUN
fsr-3898	140	206	10	10	NUM
fsr-3898	140	207	,	,	PUNCT
fsr-3898	140	208	11	11	NUM
fsr-3898	140	209	18	18	NUM
fsr-3898	140	210	rmc	rmc	PROPN
fsr-3898	140	211	8	8	NUM
fsr-3898	140	212	,	,	PUNCT
fsr-3898	140	213	10	10	NUM
fsr-3898	140	214	,	,	PUNCT
fsr-3898	140	215	11	11	NUM
fsr-3898	140	216	9	9	NUM
fsr-3898	140	217	,	,	PUNCT
fsr-3898	140	218	17	17	NUM
fsr-3898	140	219	rmac	rmac	NOUN
fsr-3898	140	220	12	12	NUM
fsr-3898	140	221	,	,	PUNCT
fsr-3898	140	222	13	13	NUM
fsr-3898	140	223	,	,	PUNCT
fsr-3898	140	224	14	14	NUM
fsr-3898	140	225	19	19	NUM
fsr-3898	140	226	wf	wf	PROPN
fsr-3898	140	227	7	7	NUM
fsr-3898	140	228	,	,	PUNCT
fsr-3898	140	229	8	8	NUM
fsr-3898	140	230	6	6	NUM
fsr-3898	140	231	,	,	PUNCT
fsr-3898	140	232	18	18	NUM
fsr-3898	140	233	a	a	DET
fsr-3898	140	234	gf	gf	PROPN
fsr-3898	140	235	,	,	PUNCT
fsr-3898	140	236	garman	garman	PROPN
fsr-3898	140	237	,	,	PUNCT
fsr-3898	140	238	e.t	e.t	PROPN
fsr-3898	140	239	.	.	PROPN
fsr-3898	140	240	and	and	CCONJ
fsr-3898	140	241	forgue	forgue	NOUN
fsr-3898	140	242	,	,	PUNCT
fsr-3898	140	243	r.e.personal	r.e.personal	ADJ
fsr-3898	140	244	finance	finance	NOUN
fsr-3898	140	245	,	,	PUNCT
fsr-3898	141	1	6th	6th	ADJ
fsr-3898	141	2	ed	ed	NOUN
fsr-3898	141	3	.	.	PUNCT
fsr-3898	141	4	;	;	PUNCT
fsr-3898	141	5	gj	gj	PROPN
fsr-3898	141	6	,	,	PUNCT
fsr-3898	141	7	gitman	gitman	PROPN
fsr-3898	141	8	,	,	PUNCT
fsr-3898	141	9	l.d	l.d	PROPN
fsr-3898	141	10	.	.	PROPN
fsr-3898	141	11	and	and	CCONJ
fsr-3898	141	12	joehnk	joehnk	PROPN
fsr-3898	141	13	,	,	PUNCT
fsr-3898	141	14	m.d.personal	m.d.personal	ADJ
fsr-3898	141	15	financial	financial	ADJ
fsr-3898	141	16	planning	planning	NOUN
fsr-3898	141	17	,	,	PUNCT
fsr-3898	141	18	8th	8th	ADJ
fsr-3898	141	19	ed	ed	NOUN
fsr-3898	141	20	.	.	PUNCT
fsr-3898	141	21	;	;	PUNCT
fsr-3898	142	1	hpr	hpr	PROPN
fsr-3898	142	2	,	,	PUNCT
fsr-3898	142	3	ho	ho	PROPN
fsr-3898	142	4	,	,	PUNCT
fsr-3898	142	5	k.	k.	PROPN
fsr-3898	142	6	,	,	PUNCT
fsr-3898	142	7	perdue	perdue	PROPN
fsr-3898	142	8	,	,	PUNCT
fsr-3898	142	9	g.	g.	PROPN
fsr-3898	142	10	and	and	CCONJ
fsr-3898	142	11	robinson	robinson	PROPN
fsr-3898	142	12	,	,	PUNCT
fsr-3898	142	13	c.personal	c.personal	ADJ
fsr-3898	142	14	financial	financial	ADJ
fsr-3898	142	15	planning	planning	NOUN
fsr-3898	142	16	,	,	PUNCT
fsr-3898	142	17	the	the	DET
fsr-3898	142	18	u.s	u.s	PROPN
fsr-3898	142	19	.	.	PROPN
fsr-3898	142	20	edition	edition	PROPN
fsr-3898	142	21	;	;	PUNCT
fsr-3898	142	22	k	k	PROPN
fsr-3898	142	23	,	,	PUNCT
fsr-3898	142	24	keown	keown	PROPN
fsr-3898	142	25	,	,	PUNCT
fsr-3898	142	26	a.j.personal	a.j.personal	ADJ
fsr-3898	142	27	finance	finance	NOUN
fsr-3898	142	28	:	:	PUNCT
fsr-3898	142	29	turning	turn	VERB
fsr-3898	142	30	money	money	NOUN
fsr-3898	142	31	into	into	ADP
fsr-3898	142	32	wealth	wealth	NOUN
fsr-3898	142	33	;	;	PUNCT
fsr-3898	142	34	rmac	rmac	NOUN
fsr-3898	142	35	,	,	PUNCT
fsr-3898	142	36	ramaglia	ramaglia	PROPN
fsr-3898	142	37	,	,	PUNCT
fsr-3898	142	38	j.a	j.a	PROPN
fsr-3898	142	39	.	.	PROPN
fsr-3898	142	40	and	and	CCONJ
fsr-3898	142	41	macdonald	macdonald	PROPN
fsr-3898	142	42	,	,	PUNCT
fsr-3898	142	43	d.b	d.b	PROPN
fsr-3898	142	44	.	.	PROPN
fsr-3898	142	45	personal	personal	ADJ
fsr-3898	142	46	financial	financial	ADJ
fsr-3898	142	47	management	management	NOUN
fsr-3898	142	48	;	;	PUNCT
fsr-3898	142	49	rmc	rmc	PROPN
fsr-3898	142	50	,	,	PUNCT
fsr-3898	142	51	rejda	rejda	NOUN
fsr-3898	142	52	,	,	PUNCT
fsr-3898	142	53	g.e	g.e	PROPN
fsr-3898	142	54	.	.	PROPN
fsr-3898	142	55	and	and	CCONJ
fsr-3898	142	56	mcnamara	mcnamara	PROPN
fsr-3898	142	57	,	,	PUNCT
fsr-3898	142	58	m.j.personal	m.j.personal	ADJ
fsr-3898	142	59	financial	financial	ADJ
fsr-3898	142	60	planning	planning	NOUN
fsr-3898	142	61	,	,	PUNCT
fsr-3898	142	62	1st	1st	ADJ
fsr-3898	142	63	ed	ed	NOUN
fsr-3898	142	64	.	.	PUNCT
fsr-3898	142	65	;	;	PUNCT
fsr-3898	142	66	wf	wf	PROPN
fsr-3898	142	67	,	,	PUNCT
fsr-3898	142	68	winger	winger	NOUN
fsr-3898	142	69	,	,	PUNCT
fsr-3898	142	70	b.j	b.j	PROPN
fsr-3898	142	71	.	.	PROPN
fsr-3898	142	72	and	and	CCONJ
fsr-3898	142	73	frasca	frasca	PROPN
fsr-3898	142	74	,	,	PUNCT
fsr-3898	142	75	r.r.personal	r.r.personal	ADJ
fsr-3898	142	76	finance	finance	NOUN
fsr-3898	142	77	:	:	PUNCT
fsr-3898	142	78	an	an	DET
fsr-3898	142	79	integrated	integrated	ADJ
fsr-3898	142	80	approach	approach	NOUN
fsr-3898	142	81	,	,	PUNCT
fsr-3898	142	82	5th	5th	ADJ
fsr-3898	142	83	ed	ed	NOUN
fsr-3898	142	84	.	.	PROPN
fsr-3898	142	85	266	266	NUM
fsr-3898	142	86	n.	n.	PROPN
fsr-3898	142	87	chieffe	chieffe	PROPN
fsr-3898	142	88	,	,	PUNCT
fsr-3898	142	89	g.k	g.k	PROPN
fsr-3898	142	90	.	.	PROPN
fsr-3898	142	91	rakes	rakes	PROPN
fsr-3898	142	92	/	/	SYM
fsr-3898	142	93	financial	financial	ADJ
fsr-3898	142	94	services	service	NOUN
fsr-3898	142	95	review	review	VERB
fsr-3898	142	96	8	8	NUM
fsr-3898	142	97	(	(	PUNCT
fsr-3898	142	98	1999	1999	NUM
fsr-3898	142	99	)	)	PUNCT
fsr-3898	142	100	261–268	261–268	NUM
fsr-3898	142	101	in	in	ADP
fsr-3898	142	102	addition	addition	NOUN
fsr-3898	142	103	to	to	ADP
fsr-3898	142	104	using	use	VERB
fsr-3898	142	105	the	the	DET
fsr-3898	142	106	model	model	NOUN
fsr-3898	142	107	as	as	ADP
fsr-3898	142	108	an	an	DET
fsr-3898	142	109	organizational	organizational	ADJ
fsr-3898	142	110	device	device	NOUN
fsr-3898	142	111	to	to	PART
fsr-3898	142	112	integrate	integrate	VERB
fsr-3898	142	113	material	material	NOUN
fsr-3898	142	114	and	and	CCONJ
fsr-3898	142	115	provide	provide	VERB
fsr-3898	142	116	a	a	DET
fsr-3898	142	117	focus	focus	NOUN
fsr-3898	142	118	for	for	ADP
fsr-3898	142	119	students	student	NOUN
fsr-3898	142	120	,	,	PUNCT
fsr-3898	142	121	the	the	DET
fsr-3898	142	122	framework	framework	NOUN
fsr-3898	142	123	works	work	VERB
fsr-3898	142	124	well	well	ADV
fsr-3898	142	125	for	for	ADP
fsr-3898	142	126	specific	specific	ADJ
fsr-3898	142	127	student	student	NOUN
fsr-3898	142	128	assignments	assignment	NOUN
fsr-3898	142	129	in	in	ADP
fsr-3898	142	130	a	a	DET
fsr-3898	142	131	problem	problem	NOUN
fsr-3898	142	132	-	-	PUNCT
fsr-3898	142	133	based	base	VERB
fsr-3898	142	134	approach	approach	NOUN
fsr-3898	142	135	.	.	PUNCT
fsr-3898	143	1	some	some	DET
fsr-3898	143	2	instructors	instructor	NOUN
fsr-3898	143	3	choose	choose	VERB
fsr-3898	143	4	to	to	PART
fsr-3898	143	5	include	include	VERB
fsr-3898	143	6	case	case	NOUN
fsr-3898	143	7	studies	study	NOUN
fsr-3898	143	8	in	in	ADP
fsr-3898	143	9	the	the	DET
fsr-3898	143	10	financial	financial	ADJ
fsr-3898	143	11	planning	planning	NOUN
fsr-3898	143	12	course	course	NOUN
fsr-3898	143	13	.	.	PUNCT
fsr-3898	144	1	table	table	NOUN
fsr-3898	144	2	3	3	NUM
fsr-3898	144	3	shows	show	VERB
fsr-3898	144	4	how	how	SCONJ
fsr-3898	144	5	the	the	DET
fsr-3898	144	6	financial	financial	ADJ
fsr-3898	144	7	planning	planning	NOUN
fsr-3898	144	8	model	model	NOUN
fsr-3898	144	9	relates	relate	VERB
fsr-3898	144	10	to	to	ADP
fsr-3898	144	11	these	these	DET
fsr-3898	144	12	project	project	NOUN
fsr-3898	144	13	assignments	assignment	NOUN
fsr-3898	144	14	.	.	PUNCT
fsr-3898	145	1	the	the	DET
fsr-3898	145	2	specific	specific	ADJ
fsr-3898	145	3	assignments	assignment	NOUN
fsr-3898	145	4	require	require	VERB
fsr-3898	145	5	relatively	relatively	ADV
fsr-3898	145	6	little	little	ADJ
fsr-3898	145	7	information	information	NOUN
fsr-3898	145	8	from	from	ADP
fsr-3898	145	9	the	the	DET
fsr-3898	145	10	instructor	instructor	NOUN
fsr-3898	145	11	.	.	PUNCT
fsr-3898	146	1	typically	typically	ADV
fsr-3898	146	2	,	,	PUNCT
fsr-3898	146	3	data	datum	NOUN
fsr-3898	146	4	concerning	concern	VERB
fsr-3898	146	5	current	current	ADJ
fsr-3898	146	6	assets	asset	NOUN
fsr-3898	146	7	,	,	PUNCT
fsr-3898	146	8	liabilities	liability	NOUN
fsr-3898	146	9	,	,	PUNCT
fsr-3898	146	10	income	income	NOUN
fsr-3898	146	11	,	,	PUNCT
fsr-3898	146	12	ages	age	NOUN
fsr-3898	146	13	and	and	CCONJ
fsr-3898	146	14	size	size	NOUN
fsr-3898	146	15	of	of	ADP
fsr-3898	146	16	family	family	NOUN
fsr-3898	146	17	are	be	AUX
fsr-3898	146	18	all	all	PRON
fsr-3898	146	19	that	that	PRON
fsr-3898	146	20	is	be	AUX
fsr-3898	146	21	required	require	VERB
fsr-3898	146	22	.	.	PUNCT
fsr-3898	147	1	additional	additional	ADJ
fsr-3898	147	2	details	detail	NOUN
fsr-3898	147	3	can	can	AUX
fsr-3898	147	4	enrich	enrich	VERB
fsr-3898	147	5	the	the	DET
fsr-3898	147	6	experience	experience	NOUN
fsr-3898	147	7	.	.	PUNCT
fsr-3898	148	1	for	for	ADP
fsr-3898	148	2	example	example	NOUN
fsr-3898	148	3	,	,	PUNCT
fsr-3898	148	4	providing	provide	VERB
fsr-3898	148	5	a	a	DET
fsr-3898	148	6	simulated	simulate	VERB
fsr-3898	148	7	1040	1040	NUM
fsr-3898	148	8	for	for	ADP
fsr-3898	148	9	the	the	DET
fsr-3898	148	10	most	most	ADV
fsr-3898	148	11	recent	recent	ADJ
fsr-3898	148	12	year	year	NOUN
fsr-3898	148	13	is	be	AUX
fsr-3898	148	14	a	a	DET
fsr-3898	148	15	vehicle	vehicle	NOUN
fsr-3898	148	16	to	to	PART
fsr-3898	148	17	add	add	VERB
fsr-3898	148	18	exploration	exploration	NOUN
fsr-3898	148	19	of	of	ADP
fsr-3898	148	20	income	income	NOUN
fsr-3898	148	21	tax	tax	NOUN
fsr-3898	148	22	aspects	aspect	NOUN
fsr-3898	148	23	of	of	ADP
fsr-3898	148	24	financial	financial	ADJ
fsr-3898	148	25	planning	planning	NOUN
fsr-3898	148	26	.	.	PUNCT
fsr-3898	149	1	4	4	X
fsr-3898	149	2	.	.	X
fsr-3898	149	3	conclusions	conclusion	NOUN
fsr-3898	149	4	the	the	DET
fsr-3898	149	5	complete	complete	ADJ
fsr-3898	149	6	financial	financial	ADJ
fsr-3898	149	7	planning	planning	NOUN
fsr-3898	149	8	model	model	NOUN
fsr-3898	149	9	outlined	outline	VERB
fsr-3898	149	10	in	in	ADP
fsr-3898	149	11	this	this	DET
fsr-3898	149	12	paper	paper	NOUN
fsr-3898	149	13	divides	divide	VERB
fsr-3898	149	14	all	all	PRON
fsr-3898	149	15	of	of	ADP
fsr-3898	149	16	the	the	DET
fsr-3898	149	17	content	content	NOUN
fsr-3898	149	18	material	material	NOUN
fsr-3898	149	19	into	into	ADP
fsr-3898	149	20	four	four	NUM
fsr-3898	149	21	general	general	ADJ
fsr-3898	149	22	categories	category	NOUN
fsr-3898	149	23	to	to	PART
fsr-3898	149	24	provide	provide	VERB
fsr-3898	149	25	a	a	DET
fsr-3898	149	26	simple	simple	ADJ
fsr-3898	149	27	but	but	CCONJ
fsr-3898	149	28	comprehensive	comprehensive	ADJ
fsr-3898	149	29	overview	overview	NOUN
fsr-3898	149	30	of	of	ADP
fsr-3898	149	31	the	the	DET
fsr-3898	149	32	entire	entire	ADJ
fsr-3898	149	33	area	area	NOUN
fsr-3898	149	34	.	.	PUNCT
fsr-3898	150	1	essentially	essentially	ADV
fsr-3898	150	2	,	,	PUNCT
fsr-3898	150	3	personal	personal	ADJ
fsr-3898	150	4	financial	financial	ADJ
fsr-3898	150	5	activities	activity	NOUN
fsr-3898	150	6	are	be	AUX
fsr-3898	150	7	either	either	CCONJ
fsr-3898	150	8	current	current	ADJ
fsr-3898	150	9	period	period	NOUN
fsr-3898	150	10	or	or	CCONJ
fsr-3898	150	11	future	future	ADJ
fsr-3898	150	12	period	period	NOUN
fsr-3898	150	13	events	event	NOUN
fsr-3898	150	14	and	and	CCONJ
fsr-3898	150	15	involve	involve	VERB
fsr-3898	150	16	circumstances	circumstance	NOUN
fsr-3898	150	17	that	that	PRON
fsr-3898	150	18	can	can	AUX
fsr-3898	150	19	be	be	AUX
fsr-3898	150	20	expected	expect	VERB
fsr-3898	150	21	and	and	CCONJ
fsr-3898	150	22	therefore	therefore	ADV
fsr-3898	150	23	planned	plan	VERB
fsr-3898	150	24	or	or	CCONJ
fsr-3898	150	25	circumstances	circumstance	NOUN
fsr-3898	150	26	that	that	PRON
fsr-3898	150	27	are	be	AUX
fsr-3898	150	28	unexpected	unexpected	ADJ
fsr-3898	150	29	and	and	CCONJ
fsr-3898	150	30	thus	thus	ADV
fsr-3898	150	31	create	create	VERB
fsr-3898	150	32	emergencies	emergency	NOUN
fsr-3898	150	33	.	.	PUNCT
fsr-3898	151	1	using	use	VERB
fsr-3898	151	2	this	this	DET
fsr-3898	151	3	overview	overview	NOUN
fsr-3898	151	4	of	of	ADP
fsr-3898	151	5	the	the	DET
fsr-3898	151	6	material	material	NOUN
fsr-3898	151	7	,	,	PUNCT
fsr-3898	151	8	students	student	NOUN
fsr-3898	151	9	can	can	AUX
fsr-3898	151	10	continually	continually	ADV
fsr-3898	151	11	place	place	VERB
fsr-3898	151	12	seemingly	seemingly	ADV
fsr-3898	151	13	unrelated	unrelated	ADJ
fsr-3898	151	14	material	material	NOUN
fsr-3898	151	15	in	in	ADP
fsr-3898	151	16	sufficient	sufficient	ADJ
fsr-3898	151	17	context	context	NOUN
fsr-3898	151	18	to	to	PART
fsr-3898	151	19	retain	retain	VERB
fsr-3898	151	20	a	a	DET
fsr-3898	151	21	useful	useful	ADJ
fsr-3898	151	22	perspective	perspective	NOUN
fsr-3898	151	23	of	of	ADP
fsr-3898	151	24	the	the	DET
fsr-3898	151	25	complete	complete	ADJ
fsr-3898	151	26	course	course	NOUN
fsr-3898	151	27	.	.	PUNCT
fsr-3898	152	1	it	it	PRON
fsr-3898	152	2	is	be	AUX
fsr-3898	152	3	possible	possible	ADJ
fsr-3898	152	4	for	for	SCONJ
fsr-3898	152	5	an	an	DET
fsr-3898	152	6	instructor	instructor	NOUN
fsr-3898	152	7	to	to	PART
fsr-3898	152	8	cover	cover	VERB
fsr-3898	152	9	the	the	DET
fsr-3898	152	10	material	material	NOUN
fsr-3898	152	11	in	in	ADP
fsr-3898	152	12	any	any	DET
fsr-3898	152	13	order	order	NOUN
fsr-3898	152	14	or	or	CCONJ
fsr-3898	152	15	format	format	NOUN
fsr-3898	152	16	that	that	PRON
fsr-3898	152	17	seems	seem	VERB
fsr-3898	152	18	most	most	ADV
fsr-3898	152	19	successful	successful	ADJ
fsr-3898	152	20	for	for	ADP
fsr-3898	152	21	them	they	PRON
fsr-3898	152	22	and	and	CCONJ
fsr-3898	152	23	still	still	ADV
fsr-3898	152	24	have	have	VERB
fsr-3898	152	25	an	an	DET
fsr-3898	152	26	integrating	integrating	NOUN
fsr-3898	152	27	device	device	NOUN
fsr-3898	152	28	in	in	ADP
fsr-3898	152	29	the	the	DET
fsr-3898	152	30	background	background	NOUN
fsr-3898	152	31	for	for	ADP
fsr-3898	152	32	occasional	occasional	ADJ
fsr-3898	152	33	reference	reference	NOUN
fsr-3898	152	34	.	.	PUNCT
fsr-3898	153	1	likewise	likewise	ADV
fsr-3898	153	2	,	,	PUNCT
fsr-3898	153	3	any	any	DET
fsr-3898	153	4	text	text	NOUN
fsr-3898	153	5	book	book	NOUN
fsr-3898	153	6	can	can	AUX
fsr-3898	153	7	be	be	AUX
fsr-3898	153	8	used	use	VERB
fsr-3898	153	9	with	with	ADP
fsr-3898	153	10	this	this	DET
fsr-3898	153	11	financial	financial	ADJ
fsr-3898	153	12	planning	planning	NOUN
fsr-3898	153	13	model	model	NOUN
fsr-3898	153	14	as	as	ADP
fsr-3898	153	15	a	a	DET
fsr-3898	153	16	tool	tool	NOUN
fsr-3898	153	17	to	to	PART
fsr-3898	153	18	relate	relate	VERB
fsr-3898	153	19	different	different	ADJ
fsr-3898	153	20	parts	part	NOUN
fsr-3898	153	21	to	to	ADP
fsr-3898	153	22	the	the	DET
fsr-3898	153	23	total	total	ADJ
fsr-3898	153	24	course	course	NOUN
fsr-3898	153	25	.	.	PUNCT
fsr-3898	154	1	as	as	SCONJ
fsr-3898	154	2	previously	previously	ADV
fsr-3898	154	3	mentioned	mention	VERB
fsr-3898	154	4	,	,	PUNCT
fsr-3898	154	5	this	this	DET
fsr-3898	154	6	model	model	NOUN
fsr-3898	154	7	has	have	AUX
fsr-3898	154	8	been	be	AUX
fsr-3898	154	9	successfully	successfully	ADV
fsr-3898	154	10	used	use	VERB
fsr-3898	154	11	by	by	ADP
fsr-3898	154	12	the	the	DET
fsr-3898	154	13	authors	author	NOUN
fsr-3898	154	14	in	in	ADP
fsr-3898	154	15	several	several	ADJ
fsr-3898	154	16	contexts	context	NOUN
fsr-3898	154	17	.	.	PUNCT
fsr-3898	155	1	table	table	NOUN
fsr-3898	155	2	3	3	NUM
fsr-3898	155	3	case	case	NOUN
fsr-3898	155	4	studies	study	NOUN
fsr-3898	155	5	for	for	ADP
fsr-3898	155	6	the	the	DET
fsr-3898	155	7	financial	financial	ADJ
fsr-3898	155	8	planning	planning	NOUN
fsr-3898	155	9	model	model	NOUN
fsr-3898	155	10	stage	stage	NOUN
fsr-3898	155	11	in	in	ADP
fsr-3898	155	12	life	life	NOUN
fsr-3898	155	13	possible	possible	ADJ
fsr-3898	155	14	goals	goal	NOUN
fsr-3898	155	15	single	single	ADJ
fsr-3898	155	16	,	,	PUNCT
fsr-3898	155	17	newly	newly	ADV
fsr-3898	155	18	employed	employ	VERB
fsr-3898	155	19	money	money	NOUN
fsr-3898	155	20	management	management	NOUN
fsr-3898	155	21	and	and	CCONJ
fsr-3898	155	22	emergency	emergency	NOUN
fsr-3898	155	23	planning	planning	NOUN
fsr-3898	155	24	:	:	PUNCT
fsr-3898	155	25	emergency	emergency	NOUN
fsr-3898	155	26	fund	fund	NOUN
fsr-3898	155	27	debt	debt	NOUN
fsr-3898	155	28	reduction	reduction	NOUN
fsr-3898	155	29	married	marry	VERB
fsr-3898	155	30	,	,	PUNCT
fsr-3898	155	31	no	no	DET
fsr-3898	155	32	children	child	NOUN
fsr-3898	155	33	investing	invest	VERB
fsr-3898	155	34	for	for	ADP
fsr-3898	155	35	goals	goal	NOUN
fsr-3898	155	36	:	:	PUNCT
fsr-3898	155	37	tax	tax	NOUN
fsr-3898	155	38	planning	planning	NOUN
fsr-3898	155	39	house	house	PROPN
fsr-3898	155	40	down	down	ADP
fsr-3898	155	41	payment	payment	NOUN
fsr-3898	155	42	vacation	vacation	NOUN
fsr-3898	155	43	retirement	retirement	NOUN
fsr-3898	155	44	married	marry	VERB
fsr-3898	155	45	,	,	PUNCT
fsr-3898	155	46	children	child	NOUN
fsr-3898	155	47	money	money	NOUN
fsr-3898	155	48	management	management	NOUN
fsr-3898	155	49	and	and	CCONJ
fsr-3898	155	50	investing	invest	VERB
fsr-3898	155	51	for	for	ADP
fsr-3898	155	52	goals	goal	NOUN
fsr-3898	155	53	and	and	CCONJ
fsr-3898	155	54	transference	transference	NOUN
fsr-3898	155	55	planning	planning	NOUN
fsr-3898	155	56	:	:	PUNCT
fsr-3898	155	57	education	education	NOUN
fsr-3898	155	58	retirement	retirement	NOUN
fsr-3898	155	59	estate	estate	NOUN
fsr-3898	155	60	planning	planning	NOUN
fsr-3898	155	61	near	near	ADP
fsr-3898	155	62	retirement	retirement	NOUN
fsr-3898	155	63	investing	invest	VERB
fsr-3898	155	64	for	for	ADP
fsr-3898	155	65	goals	goal	NOUN
fsr-3898	155	66	and	and	CCONJ
fsr-3898	155	67	transference	transference	NOUN
fsr-3898	155	68	planning	planning	NOUN
fsr-3898	155	69	:	:	PUNCT
fsr-3898	155	70	retirement	retirement	NOUN
fsr-3898	155	71	income	income	NOUN
fsr-3898	155	72	estate	estate	NOUN
fsr-3898	155	73	planning	plan	VERB
fsr-3898	155	74	267n	267n	PROPN
fsr-3898	155	75	.	.	PUNCT
fsr-3898	156	1	chieffe	chieffe	PROPN
fsr-3898	156	2	,	,	PUNCT
fsr-3898	156	3	g.k	g.k	PROPN
fsr-3898	156	4	.	.	PROPN
fsr-3898	156	5	rakes	rakes	PROPN
fsr-3898	156	6	/	/	SYM
fsr-3898	156	7	financial	financial	ADJ
fsr-3898	156	8	services	service	NOUN
fsr-3898	156	9	review	review	VERB
fsr-3898	156	10	8	8	NUM
fsr-3898	156	11	(	(	PUNCT
fsr-3898	156	12	1999	1999	NUM
fsr-3898	156	13	)	)	PUNCT
fsr-3898	157	1	261–268	261–268	NUM
fsr-3898	157	2	the	the	DET
fsr-3898	157	3	model	model	NOUN
fsr-3898	157	4	also	also	ADV
fsr-3898	157	5	works	work	VERB
fsr-3898	157	6	well	well	ADV
fsr-3898	157	7	for	for	ADP
fsr-3898	157	8	financial	financial	ADJ
fsr-3898	157	9	planning	planning	NOUN
fsr-3898	157	10	clients	client	NOUN
fsr-3898	157	11	who	who	PRON
fsr-3898	157	12	have	have	AUX
fsr-3898	157	13	already	already	ADV
fsr-3898	157	14	moved	move	VERB
fsr-3898	157	15	through	through	ADP
fsr-3898	157	16	some	some	DET
fsr-3898	157	17	stages	stage	NOUN
fsr-3898	157	18	in	in	ADP
fsr-3898	157	19	their	their	PRON
fsr-3898	157	20	financial	financial	ADJ
fsr-3898	157	21	life	life	NOUN
fsr-3898	157	22	cycles	cycle	NOUN
fsr-3898	157	23	.	.	PUNCT
fsr-3898	158	1	the	the	DET
fsr-3898	158	2	planning	planning	NOUN
fsr-3898	158	3	goals	goal	NOUN
fsr-3898	158	4	which	which	PRON
fsr-3898	158	5	are	be	AUX
fsr-3898	158	6	defined	define	VERB
fsr-3898	158	7	early	early	ADV
fsr-3898	158	8	in	in	ADP
fsr-3898	158	9	the	the	DET
fsr-3898	158	10	client	client	NOUN
fsr-3898	158	11	-	-	PUNCT
fsr-3898	158	12	planner	planner	NOUN
fsr-3898	158	13	relationship	relationship	NOUN
fsr-3898	158	14	can	can	AUX
fsr-3898	158	15	be	be	AUX
fsr-3898	158	16	inserted	insert	VERB
fsr-3898	158	17	into	into	ADP
fsr-3898	158	18	the	the	DET
fsr-3898	158	19	appropriate	appropriate	ADJ
fsr-3898	158	20	categories	category	NOUN
fsr-3898	158	21	.	.	PUNCT
fsr-3898	159	1	these	these	DET
fsr-3898	159	2	individuals	individual	NOUN
fsr-3898	159	3	appreciate	appreciate	VERB
fsr-3898	159	4	the	the	DET
fsr-3898	159	5	organization	organization	NOUN
fsr-3898	159	6	of	of	ADP
fsr-3898	159	7	the	the	DET
fsr-3898	159	8	financial	financial	ADJ
fsr-3898	159	9	planning	planning	NOUN
fsr-3898	159	10	model	model	NOUN
fsr-3898	159	11	.	.	PUNCT
fsr-3898	160	1	they	they	PRON
fsr-3898	160	2	can	can	AUX
fsr-3898	160	3	see	see	VERB
fsr-3898	160	4	how	how	SCONJ
fsr-3898	160	5	their	their	PRON
fsr-3898	160	6	current	current	ADJ
fsr-3898	160	7	and	and	CCONJ
fsr-3898	160	8	projected	project	VERB
fsr-3898	160	9	financial	financial	ADJ
fsr-3898	160	10	situations	situation	NOUN
fsr-3898	160	11	compare	compare	VERB
fsr-3898	160	12	.	.	PUNCT
fsr-3898	161	1	acknowledgment	acknowledgment	NOUN
fsr-3898	161	2	the	the	DET
fsr-3898	161	3	authors	author	NOUN
fsr-3898	161	4	appreciate	appreciate	VERB
fsr-3898	161	5	the	the	DET
fsr-3898	161	6	suggestions	suggestion	NOUN
fsr-3898	161	7	of	of	ADP
fsr-3898	161	8	professor	professor	PROPN
fsr-3898	161	9	jill	jill	PROPN
fsr-3898	161	10	lynn	lynn	PROPN
fsr-3898	161	11	vihtelic	vihtelic	PROPN
fsr-3898	161	12	of	of	ADP
fsr-3898	161	13	st	st	PROPN
fsr-3898	161	14	.	.	PROPN
fsr-3898	161	15	mary	mary	PROPN
fsr-3898	161	16	’s	’s	PART
fsr-3898	161	17	college	college	PROPN
fsr-3898	161	18	,	,	PUNCT
fsr-3898	161	19	notre	notre	PROPN
fsr-3898	161	20	dame	dame	PROPN
fsr-3898	161	21	,	,	PUNCT
fsr-3898	161	22	in	in	ADP
fsr-3898	161	23	.	.	PUNCT
fsr-3898	162	1	references	reference	NOUN
fsr-3898	162	2	butler	butler	PROPN
fsr-3898	162	3	,	,	PUNCT
fsr-3898	162	4	k.	k.	PROPN
fsr-3898	162	5	c.	c.	PROPN
fsr-3898	162	6	&	&	CCONJ
fsr-3898	162	7	domian	domian	PROPN
fsr-3898	162	8	,	,	PUNCT
fsr-3898	162	9	d.	d.	PROPN
fsr-3898	162	10	l.	l.	PROPN
fsr-3898	162	11	(	(	PUNCT
fsr-3898	162	12	1993	1993	NUM
fsr-3898	162	13	)	)	PUNCT
fsr-3898	162	14	.	.	PUNCT
fsr-3898	163	1	long	long	ADV
fsr-3898	163	2	-	-	PUNCT
fsr-3898	163	3	run	run	NOUN
fsr-3898	163	4	returns	return	NOUN
fsr-3898	163	5	on	on	ADP
fsr-3898	163	6	stock	stock	NOUN
fsr-3898	163	7	and	and	CCONJ
fsr-3898	163	8	bond	bond	NOUN
fsr-3898	163	9	portfolios	portfolio	NOUN
fsr-3898	163	10	:	:	PUNCT
fsr-3898	163	11	implications	implication	NOUN
fsr-3898	163	12	for	for	ADP
fsr-3898	163	13	retirement	retirement	NOUN
fsr-3898	163	14	planning.financial	planning.financial	PROPN
fsr-3898	163	15	services	service	NOUN
fsr-3898	163	16	review	review	NOUN
fsr-3898	163	17	,	,	PUNCT
fsr-3898	163	18	2(1	2(1	NUM
fsr-3898	163	19	)	)	PUNCT
fsr-3898	163	20	,	,	PUNCT
fsr-3898	163	21	41–49	41–49	NUM
fsr-3898	163	22	.	.	PUNCT
fsr-3898	164	1	chang	chang	PROPN
fsr-3898	164	2	,	,	PUNCT
fsr-3898	164	3	y.	y.	PROPN
fsr-3898	164	4	r.	r.	PROPN
fsr-3898	164	5	,	,	PUNCT
fsr-3898	164	6	hanna	hanna	PROPN
fsr-3898	164	7	,	,	PUNCT
fsr-3898	164	8	s.	s.	PROPN
fsr-3898	164	9	&	&	CCONJ
fsr-3898	164	10	fan	fan	PROPN
fsr-3898	164	11	,	,	PUNCT
fsr-3898	164	12	j.	j.	PROPN
fsr-3898	164	13	x.	x.	PROPN
fsr-3898	164	14	(	(	PUNCT
fsr-3898	164	15	1997	1997	NUM
fsr-3898	164	16	)	)	PUNCT
fsr-3898	164	17	.	.	PUNCT
fsr-3898	165	1	emergency	emergency	NOUN
fsr-3898	165	2	fund	fund	NOUN
fsr-3898	165	3	levels	level	NOUN
fsr-3898	165	4	:	:	PUNCT
fsr-3898	165	5	is	be	AUX
fsr-3898	165	6	household	household	NOUN
fsr-3898	165	7	behavior	behavior	NOUN
fsr-3898	165	8	rational?financial	rational?financial	NOUN
fsr-3898	165	9	counseling	counseling	NOUN
fsr-3898	165	10	and	and	CCONJ
fsr-3898	165	11	planning	planning	NOUN
fsr-3898	165	12	,	,	PUNCT
fsr-3898	165	13	8(1	8(1	NOUN
fsr-3898	165	14	)	)	PUNCT
fsr-3898	165	15	,	,	PUNCT
fsr-3898	165	16	47–55	47–55	NUM
fsr-3898	165	17	.	.	PUNCT
fsr-3898	166	1	chang	chang	PROPN
fsr-3898	166	2	,	,	PUNCT
fsr-3898	166	3	y.	y.	PROPN
fsr-3898	166	4	r.	r.	PROPN
fsr-3898	166	5	&	&	CCONJ
fsr-3898	166	6	huston	huston	PROPN
fsr-3898	166	7	,	,	PUNCT
fsr-3898	166	8	s.	s.	PROPN
fsr-3898	166	9	(	(	PUNCT
fsr-3898	166	10	1995	1995	NUM
fsr-3898	166	11	)	)	PUNCT
fsr-3898	166	12	.	.	PUNCT
fsr-3898	167	1	patterns	pattern	NOUN
fsr-3898	167	2	of	of	ADP
fsr-3898	167	3	adequate	adequate	ADJ
fsr-3898	167	4	household	household	NOUN
fsr-3898	167	5	emergency	emergency	NOUN
fsr-3898	167	6	fund	fund	NOUN
fsr-3898	167	7	holdings	holding	NOUN
fsr-3898	167	8	:	:	PUNCT
fsr-3898	167	9	a	a	DET
fsr-3898	167	10	comparison	comparison	NOUN
fsr-3898	167	11	of	of	ADP
fsr-3898	167	12	households	household	NOUN
fsr-3898	167	13	in	in	ADP
fsr-3898	167	14	1983	1983	NUM
fsr-3898	167	15	and	and	CCONJ
fsr-3898	167	16	1986.financial	1986.financial	ADJ
fsr-3898	167	17	counseling	counseling	NOUN
fsr-3898	167	18	and	and	CCONJ
fsr-3898	167	19	planning	planning	NOUN
fsr-3898	167	20	,	,	PUNCT
fsr-3898	167	21	6,119–128	6,119–128	PROPN
fsr-3898	167	22	.	.	PUNCT
fsr-3898	168	1	clements	clements	PROPN
fsr-3898	168	2	,	,	PUNCT
fsr-3898	168	3	j.	j.	PROPN
fsr-3898	168	4	(	(	PUNCT
fsr-3898	168	5	1993a	1993a	NUM
fsr-3898	168	6	)	)	PUNCT
fsr-3898	168	7	.	.	PUNCT
fsr-3898	169	1	recipe	recipe	NOUN
fsr-3898	169	2	for	for	ADP
fsr-3898	169	3	successful	successful	ADJ
fsr-3898	169	4	investing	investing	NOUN
fsr-3898	169	5	:	:	PUNCT
fsr-3898	169	6	first	first	ADJ
fsr-3898	169	7	mix	mix	VERB
fsr-3898	169	8	assets	asset	NOUN
fsr-3898	169	9	well.the	well.the	PRON
fsr-3898	169	10	wall	wall	PROPN
fsr-3898	169	11	street	street	PROPN
fsr-3898	169	12	journal	journal	PROPN
fsr-3898	169	13	,	,	PUNCT
fsr-3898	169	14	(	(	PUNCT
fsr-3898	169	15	oct	oct	PROPN
fsr-3898	169	16	.	.	PROPN
fsr-3898	169	17	6	6	NUM
fsr-3898	169	18	)	)	PUNCT
fsr-3898	169	19	,	,	PUNCT
fsr-3898	169	20	c1	c1	PROPN
fsr-3898	169	21	.	.	PUNCT
fsr-3898	170	1	clements	clements	PROPN
fsr-3898	170	2	,	,	PUNCT
fsr-3898	170	3	j.	j.	PROPN
fsr-3898	170	4	(	(	PUNCT
fsr-3898	170	5	1993b	1993b	NUM
fsr-3898	170	6	)	)	PUNCT
fsr-3898	170	7	.	.	PUNCT
fsr-3898	171	1	three	three	NUM
fsr-3898	171	2	steps	step	NOUN
fsr-3898	171	3	to	to	ADP
fsr-3898	171	4	becoming	become	VERB
fsr-3898	171	5	a	a	DET
fsr-3898	171	6	successful	successful	ADJ
fsr-3898	171	7	investor.the	investor.the	DET
fsr-3898	171	8	wall	wall	PROPN
fsr-3898	171	9	street	street	PROPN
fsr-3898	171	10	journal	journal	PROPN
fsr-3898	171	11	,	,	PUNCT
fsr-3898	171	12	(	(	PUNCT
fsr-3898	171	13	june	june	PROPN
fsr-3898	171	14	11	11	NUM
fsr-3898	171	15	)	)	PUNCT
fsr-3898	171	16	,	,	PUNCT
fsr-3898	171	17	c1	c1	PROPN
fsr-3898	171	18	.	.	PUNCT
fsr-3898	172	1	davis	davis	PROPN
fsr-3898	172	2	,	,	PUNCT
fsr-3898	172	3	e.	e.	PROPN
fsr-3898	172	4	p.	p.	PROPN
fsr-3898	172	5	&	&	CCONJ
fsr-3898	172	6	carr	carr	PROPN
fsr-3898	172	7	,	,	PUNCT
fsr-3898	172	8	r.	r.	PROPN
fsr-3898	172	9	a.	a.	PROPN
fsr-3898	172	10	(	(	PUNCT
fsr-3898	172	11	1992	1992	NUM
fsr-3898	172	12	)	)	PUNCT
fsr-3898	172	13	.	.	PUNCT
fsr-3898	173	1	budgeting	budget	VERB
fsr-3898	173	2	practices	practice	NOUN
fsr-3898	173	3	over	over	ADP
fsr-3898	173	4	the	the	DET
fsr-3898	173	5	life	life	NOUN
fsr-3898	173	6	cycle.financial	cycle.financial	ADJ
fsr-3898	173	7	counseling	counseling	NOUN
fsr-3898	173	8	and	and	CCONJ
fsr-3898	173	9	planning	planning	NOUN
fsr-3898	173	10	,	,	PUNCT
fsr-3898	173	11	3	3	NUM
fsr-3898	173	12	,	,	PUNCT
fsr-3898	173	13	3–16	3–16	PROPN
fsr-3898	173	14	.	.	PUNCT
fsr-3898	174	1	eaton	eaton	PROPN
fsr-3898	174	2	,	,	PUNCT
fsr-3898	174	3	l.	l.	PROPN
fsr-3898	174	4	(	(	PUNCT
fsr-3898	174	5	1993	1993	NUM
fsr-3898	174	6	)	)	PUNCT
fsr-3898	174	7	.	.	PUNCT
fsr-3898	175	1	cloudy	cloudy	ADJ
fsr-3898	175	2	sunset	sunset	NOUN
fsr-3898	175	3	:	:	PUNCT
fsr-3898	175	4	a	a	DET
fsr-3898	175	5	grim	grim	ADJ
fsr-3898	175	6	surprise	surprise	NOUN
fsr-3898	175	7	awaits	await	VERB
fsr-3898	175	8	future	future	ADJ
fsr-3898	175	9	retirees.barron	retirees.barron	NOUN
fsr-3898	175	10	’s	’s	PART
fsr-3898	175	11	,	,	PUNCT
fsr-3898	175	12	(	(	PUNCT
fsr-3898	175	13	july	july	PROPN
fsr-3898	175	14	12):8–9	12):8–9	NUM
fsr-3898	175	15	.	.	PUNCT
fsr-3898	176	1	fevurly	fevurly	PROPN
fsr-3898	176	2	,	,	PUNCT
fsr-3898	176	3	k.	k.	PROPN
fsr-3898	176	4	r.	r.	PROPN
fsr-3898	176	5	(	(	PUNCT
fsr-3898	176	6	1991	1991	NUM
fsr-3898	176	7	)	)	PUNCT
fsr-3898	176	8	.	.	PUNCT
fsr-3898	177	1	personal	personal	ADJ
fsr-3898	177	2	financial	financial	ADJ
fsr-3898	177	3	planning	planning	NOUN
fsr-3898	177	4	:	:	PUNCT
fsr-3898	177	5	how	how	SCONJ
fsr-3898	177	6	to	to	PART
fsr-3898	177	7	provide	provide	VERB
fsr-3898	177	8	for	for	ADP
fsr-3898	177	9	the	the	DET
fsr-3898	177	10	cost	cost	NOUN
fsr-3898	177	11	of	of	ADP
fsr-3898	177	12	a	a	DET
fsr-3898	177	13	college	college	NOUN
fsr-3898	177	14	education.journal	education.journal	PROPN
fsr-3898	177	15	of	of	ADP
fsr-3898	177	16	accountancy	accountancy	NOUN
fsr-3898	177	17	,	,	PUNCT
fsr-3898	177	18	february,81–87	february,81–87	NOUN
fsr-3898	177	19	.	.	PUNCT
fsr-3898	178	1	garman	garman	PROPN
fsr-3898	178	2	,	,	PUNCT
fsr-3898	178	3	e.	e.	PROPN
fsr-3898	178	4	t.	t.	PROPN
fsr-3898	178	5	&	&	CCONJ
fsr-3898	178	6	forgue	forgue	PROPN
fsr-3898	178	7	,	,	PUNCT
fsr-3898	178	8	r.	r.	PROPN
fsr-3898	178	9	e.	e.	PROPN
fsr-3898	178	10	(	(	PUNCT
fsr-3898	178	11	2000).personal	2000).personal	NUM
fsr-3898	178	12	finance(6th	finance(6th	NOUN
fsr-3898	178	13	ed	ed	NOUN
fsr-3898	178	14	.	.	PUNCT
fsr-3898	178	15	)	)	PUNCT
fsr-3898	178	16	.	.	PUNCT
fsr-3898	179	1	boston	boston	PROPN
fsr-3898	179	2	:	:	PUNCT
fsr-3898	179	3	houghton	houghton	PROPN
fsr-3898	179	4	mifflin	mifflin	PROPN
fsr-3898	179	5	company	company	PROPN
fsr-3898	179	6	.	.	PUNCT
fsr-3898	180	1	gitman	gitman	PROPN
fsr-3898	180	2	,	,	PUNCT
fsr-3898	180	3	l.	l.	PROPN
fsr-3898	180	4	j.	j.	PROPN
fsr-3898	180	5	&	&	CCONJ
fsr-3898	180	6	joehnk	joehnk	PROPN
fsr-3898	180	7	,	,	PUNCT
fsr-3898	180	8	m.	m.	PROPN
fsr-3898	180	9	d.	d.	PROPN
fsr-3898	180	10	(	(	PUNCT
fsr-3898	180	11	1999).personal	1999).personal	ADJ
fsr-3898	180	12	financial	financial	ADJ
fsr-3898	180	13	planning(8th	planning(8th	NOUN
fsr-3898	180	14	ed	ed	NOUN
fsr-3898	180	15	.	.	PUNCT
fsr-3898	180	16	)	)	PUNCT
fsr-3898	180	17	.	.	PUNCT
fsr-3898	181	1	fortworth	fortworth	PROPN
fsr-3898	181	2	,	,	PUNCT
fsr-3898	181	3	tx	tx	PROPN
fsr-3898	181	4	:	:	PUNCT
fsr-3898	181	5	dryden	dryden	PROPN
fsr-3898	181	6	press	press	PROPN
fsr-3898	181	7	.	.	PUNCT
fsr-3898	182	1	gray	gray	ADJ
fsr-3898	182	2	,	,	PUNCT
fsr-3898	182	3	w.	w.	PROPN
fsr-3898	182	4	s.	s.	PROPN
fsr-3898	182	5	(	(	PUNCT
fsr-3898	182	6	1993	1993	NUM
fsr-3898	182	7	)	)	PUNCT
fsr-3898	182	8	.	.	PUNCT
fsr-3898	183	1	historical	historical	ADJ
fsr-3898	183	2	returns	return	NOUN
fsr-3898	183	3	,	,	PUNCT
fsr-3898	183	4	inflation	inflation	NOUN
fsr-3898	183	5	and	and	CCONJ
fsr-3898	183	6	future	future	ADJ
fsr-3898	183	7	return	return	VERB
fsr-3898	183	8	expectations.financial	expectations.financial	NUM
fsr-3898	183	9	analysts	analyst	NOUN
fsr-3898	183	10	journal	journal	NOUN
fsr-3898	183	11	,	,	PUNCT
fsr-3898	183	12	49(4	49(4	NOUN
fsr-3898	183	13	)	)	PUNCT
fsr-3898	183	14	,	,	PUNCT
fsr-3898	183	15	35–45	35–45	NUM
fsr-3898	183	16	.	.	PUNCT
fsr-3898	184	1	hensel	hensel	PROPN
fsr-3898	184	2	,	,	PUNCT
fsr-3898	184	3	c.	c.	PROPN
fsr-3898	184	4	r.	r.	PROPN
fsr-3898	184	5	,	,	PUNCT
fsr-3898	184	6	ezra	ezra	PROPN
fsr-3898	184	7	,	,	PUNCT
fsr-3898	184	8	d.	d.	PROPN
fsr-3898	184	9	d.	d.	PROPN
fsr-3898	184	10	,	,	PUNCT
fsr-3898	184	11	&	&	CCONJ
fsr-3898	184	12	ilkiw	ilkiw	PROPN
fsr-3898	184	13	,	,	PUNCT
fsr-3898	184	14	j.	j.	PROPN
fsr-3898	184	15	h.	h.	PROPN
fsr-3898	184	16	(	(	PUNCT
fsr-3898	184	17	1991	1991	NUM
fsr-3898	184	18	)	)	PUNCT
fsr-3898	184	19	.	.	PUNCT
fsr-3898	185	1	the	the	DET
fsr-3898	185	2	importance	importance	NOUN
fsr-3898	185	3	of	of	ADP
fsr-3898	185	4	the	the	DET
fsr-3898	185	5	asset	asset	NOUN
fsr-3898	185	6	allocation	allocation	NOUN
fsr-3898	185	7	decision.financial	decision.financial	PROPN
fsr-3898	185	8	analysts	analyst	NOUN
fsr-3898	185	9	journal	journal	NOUN
fsr-3898	185	10	,	,	PUNCT
fsr-3898	185	11	47(4	47(4	PROPN
fsr-3898	185	12	)	)	PUNCT
fsr-3898	185	13	,	,	PUNCT
fsr-3898	185	14	65–72	65–72	NUM
fsr-3898	185	15	.	.	PUNCT
fsr-3898	186	1	ho	ho	PROPN
fsr-3898	186	2	,	,	PUNCT
fsr-3898	186	3	k.	k.	PROPN
fsr-3898	186	4	,	,	PUNCT
fsr-3898	186	5	perdue	perdue	PROPN
fsr-3898	186	6	,	,	PUNCT
fsr-3898	186	7	g.	g.	PROPN
fsr-3898	186	8	,	,	PUNCT
fsr-3898	186	9	&	&	CCONJ
fsr-3898	186	10	robinson	robinson	PROPN
fsr-3898	186	11	,	,	PUNCT
fsr-3898	186	12	c.	c.	PROPN
fsr-3898	186	13	(	(	PUNCT
fsr-3898	186	14	1999).personal	1999).personal	ADJ
fsr-3898	186	15	financial	financial	ADJ
fsr-3898	186	16	planning	planning	NOUN
fsr-3898	186	17	,	,	PUNCT
fsr-3898	186	18	the	the	DET
fsr-3898	186	19	u.s	u.s	PROPN
fsr-3898	186	20	.	.	PROPN
fsr-3898	186	21	edition	edition	PROPN
fsr-3898	186	22	.	.	PUNCT
fsr-3898	187	1	north	north	PROPN
fsr-3898	187	2	york	york	PROPN
fsr-3898	187	3	,	,	PUNCT
fsr-3898	187	4	on	on	ADP
fsr-3898	187	5	:	:	PUNCT
fsr-3898	187	6	captus	captus	PROPN
fsr-3898	187	7	press	press	PROPN
fsr-3898	187	8	inc	inc	PROPN
fsr-3898	187	9	.	.	PROPN
fsr-3898	187	10	huston	huston	PROPN
fsr-3898	187	11	,	,	PUNCT
fsr-3898	187	12	s.	s.	PROPN
fsr-3898	187	13	j.	j.	PROPN
fsr-3898	187	14	&	&	CCONJ
fsr-3898	187	15	chang	chang	PROPN
fsr-3898	187	16	,	,	PUNCT
fsr-3898	187	17	y.	y.	PROPN
fsr-3898	187	18	r.	r.	PROPN
fsr-3898	187	19	(	(	PUNCT
fsr-3898	187	20	1997	1997	NUM
fsr-3898	187	21	)	)	PUNCT
fsr-3898	187	22	.	.	PUNCT
fsr-3898	188	1	adequate	adequate	ADJ
fsr-3898	188	2	emergency	emergency	NOUN
fsr-3898	188	3	fund	fund	NOUN
fsr-3898	188	4	holdings	holding	NOUN
fsr-3898	188	5	and	and	CCONJ
fsr-3898	188	6	household	household	NOUN
fsr-3898	188	7	type.financial	type.financial	ADJ
fsr-3898	188	8	counseling	counseling	NOUN
fsr-3898	188	9	and	and	CCONJ
fsr-3898	188	10	planning	planning	NOUN
fsr-3898	188	11	,	,	PUNCT
fsr-3898	188	12	8(1	8(1	NOUN
fsr-3898	188	13	)	)	PUNCT
fsr-3898	188	14	,	,	PUNCT
fsr-3898	188	15	37–46	37–46	NUM
fsr-3898	188	16	.	.	PUNCT
fsr-3898	188	17	kapoor	kapoor	PROPN
fsr-3898	188	18	,	,	PUNCT
fsr-3898	188	19	j.	j.	PROPN
fsr-3898	188	20	r.	r.	PROPN
fsr-3898	188	21	,	,	PUNCT
fsr-3898	188	22	dlabay	dlabay	PROPN
fsr-3898	188	23	,	,	PUNCT
fsr-3898	188	24	l.	l.	PROPN
fsr-3898	188	25	r.	r.	PROPN
fsr-3898	188	26	&	&	CCONJ
fsr-3898	188	27	hughes	hughes	PROPN
fsr-3898	188	28	,	,	PUNCT
fsr-3898	188	29	r.	r.	PROPN
fsr-3898	188	30	j.	j.	PROPN
fsr-3898	188	31	(	(	PUNCT
fsr-3898	188	32	1999).personal	1999).personal	ADJ
fsr-3898	188	33	finance	finance	NOUN
fsr-3898	188	34	and	and	CCONJ
fsr-3898	188	35	personal	personal	ADJ
fsr-3898	188	36	financial	financial	ADJ
fsr-3898	188	37	planner	planner	NOUN
fsr-3898	188	38	package	package	NOUN
fsr-3898	188	39	,	,	PUNCT
fsr-3898	188	40	5th	5th	ADJ
fsr-3898	188	41	ed	ed	NOUN
fsr-3898	188	42	.	.	PUNCT
fsr-3898	189	1	boston	boston	PROPN
fsr-3898	189	2	:	:	PUNCT
fsr-3898	189	3	irwin	irwin	PROPN
fsr-3898	189	4	-	-	PUNCT
fsr-3898	189	5	mcgraw	mcgraw	PROPN
fsr-3898	189	6	-	-	PUNCT
fsr-3898	189	7	hill	hill	NOUN
fsr-3898	189	8	.	.	PUNCT
fsr-3898	190	1	keown	keown	PROPN
fsr-3898	190	2	,	,	PUNCT
fsr-3898	190	3	a.	a.	PROPN
fsr-3898	190	4	j.	j.	PROPN
fsr-3898	190	5	(	(	PUNCT
fsr-3898	190	6	1998).personal	1998).personal	NUM
fsr-3898	190	7	finance	finance	NOUN
fsr-3898	190	8	:	:	PUNCT
fsr-3898	190	9	turning	turn	VERB
fsr-3898	190	10	money	money	NOUN
fsr-3898	190	11	into	into	ADP
fsr-3898	190	12	wealth.upper	wealth.upper	NUM
fsr-3898	190	13	saddle	saddle	NOUN
fsr-3898	190	14	river	river	NOUN
fsr-3898	190	15	,	,	PUNCT
fsr-3898	190	16	nj	nj	PROPN
fsr-3898	190	17	:	:	PUNCT
fsr-3898	190	18	prentice	prentice	NOUN
fsr-3898	190	19	-	-	PUNCT
fsr-3898	190	20	hall	hall	PROPN
fsr-3898	190	21	,	,	PUNCT
fsr-3898	190	22	inc	inc	PROPN
fsr-3898	190	23	.	.	PROPN
fsr-3898	190	24	modigliani	modigliani	PROPN
fsr-3898	190	25	,	,	PUNCT
fsr-3898	190	26	f.	f.	PROPN
fsr-3898	190	27	&	&	CCONJ
fsr-3898	190	28	ando	ando	PROPN
fsr-3898	190	29	,	,	PUNCT
fsr-3898	190	30	a.	a.	PROPN
fsr-3898	190	31	(	(	PUNCT
fsr-3898	190	32	1963	1963	NUM
fsr-3898	190	33	)	)	PUNCT
fsr-3898	190	34	.	.	PUNCT
fsr-3898	191	1	the	the	DET
fsr-3898	191	2	life	life	NOUN
fsr-3898	191	3	cycle	cycle	NOUN
fsr-3898	191	4	hypothesis	hypothesis	NOUN
fsr-3898	191	5	of	of	ADP
fsr-3898	191	6	saving	saving	NOUN
fsr-3898	191	7	:	:	PUNCT
fsr-3898	191	8	aggregate	aggregate	VERB
fsr-3898	191	9	implications	implication	NOUN
fsr-3898	191	10	and	and	CCONJ
fsr-3898	191	11	tests.the	tests.the	DET
fsr-3898	191	12	american	american	ADJ
fsr-3898	191	13	economic	economic	PROPN
fsr-3898	191	14	review	review	PROPN
fsr-3898	191	15	,	,	PUNCT
fsr-3898	191	16	53	53	NUM
fsr-3898	191	17	,	,	PUNCT
fsr-3898	191	18	55–84	55–84	PROPN
fsr-3898	191	19	.	.	PUNCT
fsr-3898	192	1	ramaglia	ramaglia	PROPN
fsr-3898	192	2	,	,	PUNCT
fsr-3898	192	3	j.	j.	PROPN
fsr-3898	192	4	a.	a.	PROPN
fsr-3898	192	5	&	&	CCONJ
fsr-3898	192	6	macdonald	macdonald	PROPN
fsr-3898	192	7	,	,	PUNCT
fsr-3898	192	8	d.	d.	PROPN
fsr-3898	192	9	b.	b.	PROPN
fsr-3898	192	10	(	(	PUNCT
fsr-3898	192	11	1999).personal	1999).personal	ADJ
fsr-3898	192	12	financial	financial	ADJ
fsr-3898	192	13	management	management	NOUN
fsr-3898	192	14	.	.	PUNCT
fsr-3898	193	1	cincinnati	cincinnati	PROPN
fsr-3898	193	2	:	:	PUNCT
fsr-3898	193	3	south	south	ADJ
fsr-3898	193	4	-	-	PUNCT
fsr-3898	193	5	western	western	ADJ
fsr-3898	193	6	college	college	NOUN
fsr-3898	193	7	publishing	publishing	NOUN
fsr-3898	193	8	.	.	PUNCT
fsr-3898	194	1	rejda	rejda	NOUN
fsr-3898	194	2	,	,	PUNCT
fsr-3898	194	3	g.	g.	PROPN
fsr-3898	194	4	e.	e.	PROPN
fsr-3898	194	5	&	&	CCONJ
fsr-3898	194	6	mcnamara	mcnamara	PROPN
fsr-3898	194	7	,	,	PUNCT
fsr-3898	194	8	m.	m.	PROPN
fsr-3898	194	9	j.	j.	PROPN
fsr-3898	194	10	(	(	PUNCT
fsr-3898	194	11	1998).personal	1998).personal	NUM
fsr-3898	194	12	financial	financial	ADJ
fsr-3898	194	13	planning	planning	NOUN
fsr-3898	194	14	,	,	PUNCT
fsr-3898	194	15	1st	1st	ADJ
fsr-3898	194	16	ed	ed	NOUN
fsr-3898	194	17	.	.	PUNCT
fsr-3898	195	1	reading	reading	NOUN
fsr-3898	195	2	,	,	PUNCT
fsr-3898	195	3	ma	ma	PROPN
fsr-3898	195	4	:	:	PUNCT
fsr-3898	195	5	addison	addison	PROPN
fsr-3898	195	6	wesley	wesley	PROPN
fsr-3898	195	7	longman	longman	PROPN
fsr-3898	195	8	.	.	PUNCT
fsr-3898	196	1	rosefsky	rosefsky	PROPN
fsr-3898	196	2	,	,	PUNCT
fsr-3898	196	3	r.	r.	PROPN
fsr-3898	196	4	s.	s.	PROPN
fsr-3898	196	5	(	(	PUNCT
fsr-3898	196	6	1996).personal	1996).personal	PROPN
fsr-3898	196	7	finance,6th	finance,6th	PROPN
fsr-3898	196	8	ed	ed	NOUN
fsr-3898	196	9	.	.	PUNCT
fsr-3898	197	1	new	new	PROPN
fsr-3898	197	2	york	york	PROPN
fsr-3898	197	3	:	:	PUNCT
fsr-3898	198	1	john	john	PROPN
fsr-3898	198	2	wiley	wiley	PROPN
fsr-3898	198	3	.	.	PUNCT
fsr-3898	199	1	u.s	u.s	PROPN
fsr-3898	199	2	.	.	PROPN
fsr-3898	199	3	department	department	PROPN
fsr-3898	199	4	of	of	ADP
fsr-3898	199	5	commerce	commerce	PROPN
fsr-3898	199	6	.	.	PUNCT
fsr-3898	200	1	(	(	PUNCT
fsr-3898	200	2	1998).statistical	1998).statistical	ADJ
fsr-3898	200	3	abstract	abstract	NOUN
fsr-3898	200	4	of	of	ADP
fsr-3898	200	5	the	the	DET
fsr-3898	200	6	u.s	u.s	PROPN
fsr-3898	200	7	.	.	PROPN
fsr-3898	200	8	winger	winger	PROPN
fsr-3898	200	9	,	,	PUNCT
fsr-3898	200	10	b.	b.	PROPN
fsr-3898	200	11	j.	j.	PROPN
fsr-3898	200	12	&	&	CCONJ
fsr-3898	200	13	frasca	frasca	PROPN
fsr-3898	200	14	,	,	PUNCT
fsr-3898	200	15	r.	r.	PROPN
fsr-3898	200	16	r.	r.	PROPN
fsr-3898	200	17	(	(	PUNCT
fsr-3898	200	18	1996).personal	1996).personal	PROPN
fsr-3898	200	19	finance	finance	NOUN
fsr-3898	200	20	:	:	PUNCT
fsr-3898	200	21	an	an	DET
fsr-3898	200	22	integrated	integrated	ADJ
fsr-3898	200	23	approach	approach	NOUN
fsr-3898	200	24	,	,	PUNCT
fsr-3898	200	25	5th	5th	ADJ
fsr-3898	200	26	ed	ed	NOUN
fsr-3898	200	27	.	.	PUNCT
fsr-3898	201	1	upper	upper	ADJ
fsr-3898	201	2	saddle	saddle	PROPN
fsr-3898	201	3	river	river	PROPN
fsr-3898	201	4	,	,	PUNCT
fsr-3898	201	5	nj	nj	PROPN
fsr-3898	201	6	:	:	PUNCT
fsr-3898	201	7	prentice	prentice	PROPN
fsr-3898	201	8	hall	hall	PROPN
fsr-3898	201	9	.	.	PUNCT
fsr-3898	202	1	268	268	NUM
fsr-3898	202	2	n.	n.	NOUN
fsr-3898	202	3	chieffe	chieffe	PROPN
fsr-3898	202	4	,	,	PUNCT
fsr-3898	202	5	g.k	g.k	PROPN
fsr-3898	202	6	.	.	PROPN
fsr-3898	202	7	rakes	rakes	PROPN
fsr-3898	202	8	/	/	SYM
fsr-3898	202	9	financial	financial	ADJ
fsr-3898	202	10	services	service	NOUN
fsr-3898	202	11	review	review	VERB
fsr-3898	202	12	8	8	NUM
fsr-3898	202	13	(	(	PUNCT
fsr-3898	202	14	1999	1999	NUM
fsr-3898	202	15	)	)	PUNCT
fsr-3898	202	16	261–268	261–268	NUM