id	sid	tid	token	lemma	pos
fsr-3899	1	1	pii	pii	PROPN
fsr-3899	1	2	:	:	PUNCT
fsr-3899	1	3	s1057	s1057	NOUN
fsr-3899	1	4	-	-	PUNCT
fsr-3899	1	5	0810(00)00045	0810(00)00045	ADP
fsr-3899	1	6	-	-	PUNCT
fsr-3899	1	7	7	7	NUM
fsr-3899	1	8	cash	cash	NOUN
fsr-3899	1	9	flow	flow	NOUN
fsr-3899	1	10	:	:	PUNCT
fsr-3899	1	11	a	a	DET
fsr-3899	1	12	quick	quick	ADJ
fsr-3899	1	13	and	and	CCONJ
fsr-3899	1	14	easy	easy	ADJ
fsr-3899	1	15	way	way	NOUN
fsr-3899	1	16	to	to	PART
fsr-3899	1	17	learn	learn	VERB
fsr-3899	1	18	personal	personal	ADJ
fsr-3899	1	19	finance	finance	PROPN
fsr-3899	1	20	ronald	ronald	PROPN
fsr-3899	1	21	r.	r.	PROPN
fsr-3899	1	22	crabb	crabb	PROPN
fsr-3899	1	23	*	*	PROPN
fsr-3899	1	24	finance	finance	PROPN
fsr-3899	1	25	and	and	CCONJ
fsr-3899	1	26	business	business	NOUN
fsr-3899	1	27	law	law	NOUN
fsr-3899	1	28	departments	department	NOUN
fsr-3899	1	29	,	,	PUNCT
fsr-3899	1	30	university	university	PROPN
fsr-3899	1	31	of	of	ADP
fsr-3899	1	32	wisconsin	wisconsin	PROPN
fsr-3899	1	33	-	-	PUNCT
fsr-3899	1	34	whitewater	whitewater	NOUN
fsr-3899	1	35	,	,	PUNCT
fsr-3899	1	36	5002	5002	NUM
fsr-3899	1	37	carlson	carlson	PROPN
fsr-3899	1	38	hall	hall	PROPN
fsr-3899	1	39	,	,	PUNCT
fsr-3899	1	40	whitewater	whitewater	NOUN
fsr-3899	1	41	,	,	PUNCT
fsr-3899	1	42	wi	wi	PROPN
fsr-3899	1	43	53190	53190	NUM
fsr-3899	1	44	-	-	SYM
fsr-3899	1	45	1797	1797	NUM
fsr-3899	1	46	,	,	PUNCT
fsr-3899	1	47	usa	usa	PROPN
fsr-3899	1	48	abstract	abstract	PROPN
fsr-3899	1	49	a	a	DET
fsr-3899	1	50	cash	cash	NOUN
fsr-3899	1	51	flow	flow	NOUN
fsr-3899	1	52	spreadsheet	spreadsheet	NOUN
fsr-3899	1	53	methodology	methodology	NOUN
fsr-3899	1	54	simplifies	simplifie	NOUN
fsr-3899	1	55	solving	solve	VERB
fsr-3899	1	56	a	a	DET
fsr-3899	1	57	number	number	NOUN
fsr-3899	1	58	of	of	ADP
fsr-3899	1	59	common	common	ADJ
fsr-3899	1	60	personal	personal	ADJ
fsr-3899	1	61	finance	finance	NOUN
fsr-3899	1	62	problems	problem	NOUN
fsr-3899	1	63	.	.	PUNCT
fsr-3899	2	1	at	at	ADP
fsr-3899	2	2	schools	school	NOUN
fsr-3899	2	3	where	where	SCONJ
fsr-3899	2	4	a	a	DET
fsr-3899	2	5	basic	basic	ADJ
fsr-3899	2	6	finance	finance	NOUN
fsr-3899	2	7	course	course	NOUN
fsr-3899	2	8	is	be	AUX
fsr-3899	2	9	not	not	PART
fsr-3899	2	10	a	a	DET
fsr-3899	2	11	prerequisite	prerequisite	NOUN
fsr-3899	2	12	for	for	ADP
fsr-3899	2	13	the	the	DET
fsr-3899	2	14	personal	personal	ADJ
fsr-3899	2	15	financial	financial	ADJ
fsr-3899	2	16	planning	planning	NOUN
fsr-3899	2	17	course	course	NOUN
fsr-3899	2	18	,	,	PUNCT
fsr-3899	2	19	this	this	DET
fsr-3899	2	20	methodology	methodology	NOUN
fsr-3899	2	21	makes	make	VERB
fsr-3899	2	22	learning	learn	VERB
fsr-3899	2	23	personal	personal	ADJ
fsr-3899	2	24	finance	finance	NOUN
fsr-3899	2	25	skills	skill	NOUN
fsr-3899	2	26	and	and	CCONJ
fsr-3899	2	27	concepts	concept	NOUN
fsr-3899	2	28	quick	quick	ADJ
fsr-3899	2	29	and	and	CCONJ
fsr-3899	2	30	easy	easy	ADJ
fsr-3899	2	31	.	.	PUNCT
fsr-3899	3	1	it	it	PRON
fsr-3899	3	2	reinforces	reinforce	VERB
fsr-3899	3	3	time	time	NOUN
fsr-3899	3	4	value	value	NOUN
fsr-3899	3	5	of	of	ADP
fsr-3899	3	6	money	money	NOUN
fsr-3899	3	7	mathematics	mathematic	NOUN
fsr-3899	3	8	when	when	SCONJ
fsr-3899	3	9	students	student	NOUN
fsr-3899	3	10	have	have	AUX
fsr-3899	3	11	had	have	VERB
fsr-3899	3	12	a	a	DET
fsr-3899	3	13	prerequisite	prerequisite	ADJ
fsr-3899	3	14	finance	finance	NOUN
fsr-3899	3	15	course	course	NOUN
fsr-3899	3	16	.	.	PUNCT
fsr-3899	4	1	creating	create	VERB
fsr-3899	4	2	the	the	DET
fsr-3899	4	3	cash	cash	NOUN
fsr-3899	4	4	flow	flow	NOUN
fsr-3899	4	5	spreadsheets	spreadsheet	NOUN
fsr-3899	4	6	,	,	PUNCT
fsr-3899	4	7	editing	edit	VERB
fsr-3899	4	8	them	they	PRON
fsr-3899	4	9	for	for	ADP
fsr-3899	4	10	errors	error	NOUN
fsr-3899	4	11	,	,	PUNCT
fsr-3899	4	12	and	and	CCONJ
fsr-3899	4	13	testing	test	VERB
fsr-3899	4	14	the	the	DET
fsr-3899	4	15	finished	finish	VERB
fsr-3899	4	16	spreadsheets	spreadsheet	NOUN
fsr-3899	4	17	for	for	ADP
fsr-3899	4	18	logical	logical	ADJ
fsr-3899	4	19	consistency	consistency	NOUN
fsr-3899	4	20	imprints	imprint	NOUN
fsr-3899	4	21	in	in	ADP
fsr-3899	4	22	minds	mind	NOUN
fsr-3899	4	23	of	of	ADP
fsr-3899	4	24	most	most	ADJ
fsr-3899	4	25	students	student	NOUN
fsr-3899	4	26	the	the	DET
fsr-3899	4	27	skills	skill	NOUN
fsr-3899	4	28	and	and	CCONJ
fsr-3899	4	29	concepts	concept	NOUN
fsr-3899	4	30	you	you	PRON
fsr-3899	4	31	are	be	AUX
fsr-3899	4	32	trying	try	VERB
fsr-3899	4	33	to	to	PART
fsr-3899	4	34	teach	teach	VERB
fsr-3899	4	35	.	.	PUNCT
fsr-3899	5	1	©	©	PROPN
fsr-3899	5	2	1999	1999	NUM
fsr-3899	5	3	elsevier	elsevier	PROPN
fsr-3899	5	4	science	science	PROPN
fsr-3899	5	5	inc	inc	PROPN
fsr-3899	5	6	.	.	PUNCT
fsr-3899	6	1	all	all	DET
fsr-3899	6	2	rights	right	NOUN
fsr-3899	6	3	reserved	reserve	VERB
fsr-3899	6	4	.	.	PUNCT
fsr-3899	7	1	jel	jel	PROPN
fsr-3899	7	2	classification	classification	NOUN
fsr-3899	7	3	:	:	PUNCT
fsr-3899	7	4	c6	c6	PROPN
fsr-3899	7	5	;	;	PUNCT
fsr-3899	7	6	c63	c63	PROPN
fsr-3899	7	7	keywords	keyword	NOUN
fsr-3899	7	8	:	:	PUNCT
fsr-3899	7	9	goal	goal	NOUN
fsr-3899	7	10	seek	seek	VERB
fsr-3899	7	11	;	;	PUNCT
fsr-3899	7	12	solver	solver	ADV
fsr-3899	7	13	;	;	PUNCT
fsr-3899	7	14	cash	cash	NOUN
fsr-3899	7	15	flow	flow	NOUN
fsr-3899	7	16	spreadsheet	spreadsheet	NOUN
fsr-3899	7	17	1	1	NUM
fsr-3899	7	18	.	.	PUNCT
fsr-3899	8	1	introduction	introduction	NOUN
fsr-3899	8	2	students	student	NOUN
fsr-3899	8	3	understand	understand	VERB
fsr-3899	8	4	cash	cash	NOUN
fsr-3899	8	5	flow	flow	NOUN
fsr-3899	8	6	.	.	PUNCT
fsr-3899	9	1	they	they	PRON
fsr-3899	9	2	work	work	VERB
fsr-3899	9	3	hard	hard	ADV
fsr-3899	9	4	in	in	ADP
fsr-3899	9	5	the	the	DET
fsr-3899	9	6	summer	summer	NOUN
fsr-3899	9	7	,	,	PUNCT
fsr-3899	9	8	storing	store	VERB
fsr-3899	9	9	up	up	ADP
fsr-3899	9	10	cash	cash	NOUN
fsr-3899	9	11	for	for	ADP
fsr-3899	9	12	the	the	DET
fsr-3899	9	13	school	school	NOUN
fsr-3899	9	14	year	year	NOUN
fsr-3899	9	15	.	.	PUNCT
fsr-3899	10	1	many	many	ADJ
fsr-3899	10	2	of	of	ADP
fsr-3899	10	3	them	they	PRON
fsr-3899	10	4	live	live	VERB
fsr-3899	10	5	at	at	ADP
fsr-3899	10	6	home	home	NOUN
fsr-3899	10	7	during	during	ADP
fsr-3899	10	8	the	the	DET
fsr-3899	10	9	summer	summer	NOUN
fsr-3899	10	10	to	to	PART
fsr-3899	10	11	avoid	avoid	VERB
fsr-3899	10	12	paying	pay	VERB
fsr-3899	10	13	rent	rent	NOUN
fsr-3899	10	14	and	and	CCONJ
fsr-3899	10	15	to	to	PART
fsr-3899	10	16	avoid	avoid	VERB
fsr-3899	10	17	buying	buy	VERB
fsr-3899	10	18	food	food	NOUN
fsr-3899	10	19	.	.	PUNCT
fsr-3899	11	1	when	when	SCONJ
fsr-3899	11	2	the	the	DET
fsr-3899	11	3	school	school	NOUN
fsr-3899	11	4	year	year	NOUN
fsr-3899	11	5	starts	start	VERB
fsr-3899	11	6	,	,	PUNCT
fsr-3899	11	7	they	they	PRON
fsr-3899	11	8	begin	begin	VERB
fsr-3899	11	9	to	to	PART
fsr-3899	11	10	hemorrhage	hemorrhage	VERB
fsr-3899	11	11	cash	cash	NOUN
fsr-3899	11	12	.	.	PUNCT
fsr-3899	12	1	many	many	ADJ
fsr-3899	12	2	of	of	ADP
fsr-3899	12	3	them	they	PRON
fsr-3899	12	4	go	go	VERB
fsr-3899	12	5	to	to	ADP
fsr-3899	12	6	the	the	DET
fsr-3899	12	7	financial	financial	ADJ
fsr-3899	12	8	aid	aid	NOUN
fsr-3899	12	9	office	office	NOUN
fsr-3899	12	10	to	to	PART
fsr-3899	12	11	borrow	borrow	VERB
fsr-3899	12	12	$	$	SYM
fsr-3899	12	13	2,500	2,500	NUM
fsr-3899	12	14	at	at	ADP
fsr-3899	12	15	a	a	DET
fsr-3899	12	16	zero	zero	NUM
fsr-3899	12	17	rate	rate	NOUN
fsr-3899	12	18	of	of	ADP
fsr-3899	12	19	interest	interest	NOUN
fsr-3899	12	20	until	until	ADP
fsr-3899	12	21	six	six	NUM
fsr-3899	12	22	months	month	NOUN
fsr-3899	12	23	after	after	SCONJ
fsr-3899	12	24	they	they	PRON
fsr-3899	12	25	graduate	graduate	VERB
fsr-3899	12	26	.	.	PUNCT
fsr-3899	13	1	a	a	DET
fsr-3899	13	2	few	few	ADJ
fsr-3899	13	3	of	of	ADP
fsr-3899	13	4	those	those	DET
fsr-3899	13	5	borrowers	borrower	NOUN
fsr-3899	13	6	do	do	AUX
fsr-3899	13	7	not	not	PART
fsr-3899	13	8	really	really	ADV
fsr-3899	13	9	need	need	VERB
fsr-3899	13	10	the	the	DET
fsr-3899	13	11	cash	cash	NOUN
fsr-3899	13	12	,	,	PUNCT
fsr-3899	13	13	but	but	CCONJ
fsr-3899	13	14	they	they	PRON
fsr-3899	13	15	do	do	AUX
fsr-3899	13	16	understand	understand	VERB
fsr-3899	13	17	that	that	SCONJ
fsr-3899	13	18	it	it	PRON
fsr-3899	13	19	makes	make	VERB
fsr-3899	13	20	sense	sense	NOUN
fsr-3899	13	21	to	to	PART
fsr-3899	13	22	borrow	borrow	VERB
fsr-3899	13	23	money	money	NOUN
fsr-3899	13	24	if	if	SCONJ
fsr-3899	13	25	the	the	DET
fsr-3899	13	26	u.s	u.s	PROPN
fsr-3899	13	27	.	.	PROPN
fsr-3899	13	28	government	government	NOUN
fsr-3899	13	29	is	be	AUX
fsr-3899	13	30	paying	pay	VERB
fsr-3899	13	31	the	the	DET
fsr-3899	13	32	interest	interest	NOUN
fsr-3899	13	33	while	while	SCONJ
fsr-3899	13	34	they	they	PRON
fsr-3899	13	35	attend	attend	VERB
fsr-3899	13	36	school	school	NOUN
fsr-3899	13	37	and	and	CCONJ
fsr-3899	13	38	also	also	ADV
fsr-3899	13	39	for	for	ADP
fsr-3899	13	40	the	the	DET
fsr-3899	13	41	first	first	ADJ
fsr-3899	13	42	six	six	NUM
fsr-3899	13	43	months	month	NOUN
fsr-3899	13	44	after	after	SCONJ
fsr-3899	13	45	they	they	PRON
fsr-3899	13	46	graduate	graduate	VERB
fsr-3899	13	47	.	.	PUNCT
fsr-3899	14	1	students	student	NOUN
fsr-3899	14	2	understand	understand	VERB
fsr-3899	14	3	cash	cash	NOUN
fsr-3899	14	4	flow	flow	NOUN
fsr-3899	14	5	.	.	PUNCT
fsr-3899	15	1	*	*	PUNCT
fsr-3899	15	2	tel	tel	PROPN
fsr-3899	15	3	.	.	PUNCT
fsr-3899	15	4	:	:	PUNCT
fsr-3899	16	1	11	11	NUM
fsr-3899	16	2	-	-	SYM
fsr-3899	16	3	262	262	NUM
fsr-3899	16	4	-	-	PUNCT
fsr-3899	16	5	472	472	NUM
fsr-3899	16	6	-	-	SYM
fsr-3899	16	7	1326	1326	NUM
fsr-3899	16	8	;	;	PUNCT
fsr-3899	16	9	fax:11	fax:11	NOUN
fsr-3899	16	10	-	-	PUNCT
fsr-3899	16	11	262	262	NUM
fsr-3899	16	12	-	-	PUNCT
fsr-3899	16	13	472	472	NUM
fsr-3899	16	14	-	-	SYM
fsr-3899	16	15	4863	4863	NUM
fsr-3899	16	16	.	.	PUNCT
fsr-3899	17	1	e	e	X
fsr-3899	17	2	-	-	NOUN
fsr-3899	17	3	mail	mail	NOUN
fsr-3899	17	4	address:crabbr@uwwvax.uww.edu	address:crabbr@uwwvax.uww.edu	PROPN
fsr-3899	17	5	(	(	PUNCT
fsr-3899	17	6	r.r	r.r	PROPN
fsr-3899	17	7	.	.	PROPN
fsr-3899	17	8	crabb	crabb	PROPN
fsr-3899	17	9	)	)	PUNCT
fsr-3899	17	10	.	.	PUNCT
fsr-3899	18	1	financial	financial	ADJ
fsr-3899	18	2	services	service	NOUN
fsr-3899	18	3	review	review	VERB
fsr-3899	18	4	8	8	NUM
fsr-3899	18	5	(	(	PUNCT
fsr-3899	18	6	1999	1999	NUM
fsr-3899	18	7	)	)	PUNCT
fsr-3899	18	8	269–282	269–282	NUM
fsr-3899	18	9	1057	1057	NUM
fsr-3899	18	10	-	-	SYM
fsr-3899	18	11	0810/99/$	0810/99/$	NUM
fsr-3899	18	12	–	–	PUNCT
fsr-3899	18	13	see	see	VERB
fsr-3899	18	14	front	front	ADJ
fsr-3899	18	15	matter	matter	NOUN
fsr-3899	19	1	©	©	PROPN
fsr-3899	19	2	1999	1999	NUM
fsr-3899	19	3	elsevier	elsevier	PROPN
fsr-3899	19	4	science	science	PROPN
fsr-3899	19	5	inc	inc	PROPN
fsr-3899	19	6	.	.	PUNCT
fsr-3899	20	1	all	all	DET
fsr-3899	20	2	rights	right	NOUN
fsr-3899	20	3	reserved	reserve	VERB
fsr-3899	20	4	.	.	PUNCT
fsr-3899	21	1	pii	pii	NOUN
fsr-3899	21	2	:	:	PUNCT
fsr-3899	21	3	s1057	s1057	NOUN
fsr-3899	21	4	-	-	PUNCT
fsr-3899	21	5	0810(00)00045	0810(00)00045	NOUN
fsr-3899	21	6	-	-	PUNCT
fsr-3899	21	7	7	7	NUM
fsr-3899	21	8	hence	hence	ADV
fsr-3899	21	9	,	,	PUNCT
fsr-3899	21	10	the	the	DET
fsr-3899	21	11	easiest	easy	ADJ
fsr-3899	21	12	way	way	NOUN
fsr-3899	21	13	to	to	PART
fsr-3899	21	14	teach	teach	VERB
fsr-3899	21	15	students	student	NOUN
fsr-3899	21	16	how	how	SCONJ
fsr-3899	21	17	personal	personal	ADJ
fsr-3899	21	18	finance	finance	NOUN
fsr-3899	21	19	math	math	NOUN
fsr-3899	21	20	works	work	VERB
fsr-3899	21	21	is	be	AUX
fsr-3899	21	22	to	to	PART
fsr-3899	21	23	show	show	VERB
fsr-3899	21	24	them	they	PRON
fsr-3899	21	25	the	the	DET
fsr-3899	21	26	cash	cash	NOUN
fsr-3899	21	27	flows	flow	VERB
fsr-3899	21	28	that	that	PRON
fsr-3899	21	29	underlie	underlie	VERB
fsr-3899	21	30	the	the	DET
fsr-3899	21	31	financial	financial	ADJ
fsr-3899	21	32	transactions	transaction	NOUN
fsr-3899	21	33	that	that	PRON
fsr-3899	21	34	they	they	PRON
fsr-3899	21	35	currently	currently	ADV
fsr-3899	21	36	are	be	AUX
fsr-3899	21	37	(	(	PUNCT
fsr-3899	21	38	or	or	CCONJ
fsr-3899	21	39	will	will	AUX
fsr-3899	21	40	be	be	AUX
fsr-3899	21	41	)	)	PUNCT
fsr-3899	21	42	entering	enter	VERB
fsr-3899	21	43	into	into	ADP
fsr-3899	21	44	.	.	PUNCT
fsr-3899	22	1	students	student	NOUN
fsr-3899	22	2	borrow	borrow	VERB
fsr-3899	22	3	money	money	NOUN
fsr-3899	22	4	to	to	PART
fsr-3899	22	5	go	go	VERB
fsr-3899	22	6	to	to	ADP
fsr-3899	22	7	college	college	NOUN
fsr-3899	22	8	.	.	PUNCT
fsr-3899	23	1	they	they	PRON
fsr-3899	23	2	begin	begin	VERB
fsr-3899	23	3	to	to	PART
fsr-3899	23	4	experiment	experiment	VERB
fsr-3899	23	5	with	with	ADP
fsr-3899	23	6	credit	credit	NOUN
fsr-3899	23	7	cards	card	NOUN
fsr-3899	23	8	.	.	PUNCT
fsr-3899	24	1	they	they	PRON
fsr-3899	24	2	will	will	AUX
fsr-3899	24	3	be	be	AUX
fsr-3899	24	4	buying	buy	VERB
fsr-3899	24	5	houses	house	NOUN
fsr-3899	24	6	.	.	PUNCT
fsr-3899	25	1	they	they	PRON
fsr-3899	25	2	will	will	AUX
fsr-3899	25	3	be	be	AUX
fsr-3899	25	4	saving	save	VERB
fsr-3899	25	5	for	for	ADP
fsr-3899	25	6	retirement	retirement	NOUN
fsr-3899	25	7	.	.	PUNCT
fsr-3899	26	1	how	how	SCONJ
fsr-3899	26	2	much	much	ADV
fsr-3899	26	3	should	should	AUX
fsr-3899	26	4	they	they	PRON
fsr-3899	26	5	save	save	VERB
fsr-3899	26	6	?	?	PUNCT
fsr-3899	27	1	how	how	SCONJ
fsr-3899	27	2	big	big	ADJ
fsr-3899	27	3	will	will	AUX
fsr-3899	27	4	the	the	DET
fsr-3899	27	5	mortgage	mortgage	NOUN
fsr-3899	27	6	payment	payment	NOUN
fsr-3899	27	7	be	be	AUX
fsr-3899	27	8	?	?	PUNCT
fsr-3899	28	1	how	how	SCONJ
fsr-3899	28	2	expensive	expensive	ADJ
fsr-3899	28	3	are	be	AUX
fsr-3899	28	4	credit	credit	NOUN
fsr-3899	28	5	cards	card	NOUN
fsr-3899	28	6	?	?	PUNCT
fsr-3899	29	1	how	how	SCONJ
fsr-3899	29	2	big	big	ADJ
fsr-3899	29	3	will	will	AUX
fsr-3899	29	4	the	the	DET
fsr-3899	29	5	stafford	stafford	PROPN
fsr-3899	29	6	loan	loan	PROPN
fsr-3899	29	7	payment	payment	NOUN
fsr-3899	29	8	be	be	AUX
fsr-3899	29	9	six	six	NUM
fsr-3899	29	10	months	month	NOUN
fsr-3899	29	11	after	after	ADP
fsr-3899	29	12	graduation	graduation	NOUN
fsr-3899	29	13	?	?	PUNCT
fsr-3899	30	1	2	2	X
fsr-3899	30	2	.	.	X
fsr-3899	30	3	the	the	DET
fsr-3899	30	4	student	student	NOUN
fsr-3899	30	5	loan	loan	NOUN
fsr-3899	30	6	consider	consider	VERB
fsr-3899	30	7	a	a	DET
fsr-3899	30	8	student	student	NOUN
fsr-3899	30	9	who	who	PRON
fsr-3899	30	10	takes	take	VERB
fsr-3899	30	11	out	out	ADP
fsr-3899	30	12	a	a	DET
fsr-3899	30	13	stafford	stafford	PROPN
fsr-3899	30	14	loan	loan	NOUN
fsr-3899	30	15	.	.	PUNCT
fsr-3899	31	1	the	the	DET
fsr-3899	31	2	student	student	NOUN
fsr-3899	31	3	borrows	borrow	VERB
fsr-3899	31	4	money	money	NOUN
fsr-3899	31	5	by	by	ADP
fsr-3899	31	6	signing	sign	VERB
fsr-3899	31	7	a	a	DET
fsr-3899	31	8	note	note	NOUN
fsr-3899	31	9	for	for	ADP
fsr-3899	31	10	$	$	SYM
fsr-3899	31	11	2500	2500	NUM
fsr-3899	31	12	,	,	PUNCT
fsr-3899	31	13	but	but	CCONJ
fsr-3899	31	14	the	the	DET
fsr-3899	31	15	student	student	NOUN
fsr-3899	31	16	only	only	ADV
fsr-3899	31	17	receives	receive	VERB
fsr-3899	31	18	$	$	SYM
fsr-3899	31	19	2400	2400	NUM
fsr-3899	31	20	.	.	PUNCT
fsr-3899	32	1	a	a	DET
fsr-3899	32	2	$	$	SYM
fsr-3899	32	3	100	100	NUM
fsr-3899	32	4	origination	origination	NOUN
fsr-3899	32	5	fee	fee	NOUN
fsr-3899	32	6	,	,	PUNCT
fsr-3899	32	7	4	4	NUM
fsr-3899	32	8	%	%	NOUN
fsr-3899	32	9	of	of	ADP
fsr-3899	32	10	the	the	DET
fsr-3899	32	11	loan	loan	NOUN
fsr-3899	32	12	amount	amount	NOUN
fsr-3899	32	13	,	,	PUNCT
fsr-3899	32	14	covers	cover	VERB
fsr-3899	32	15	up	up	ADP
fsr-3899	32	16	-	-	PUNCT
fsr-3899	32	17	front	front	NOUN
fsr-3899	32	18	expenses	expense	NOUN
fsr-3899	32	19	and	and	CCONJ
fsr-3899	32	20	provides	provide	VERB
fsr-3899	32	21	insurance	insurance	NOUN
fsr-3899	32	22	to	to	PART
fsr-3899	32	23	repay	repay	VERB
fsr-3899	32	24	the	the	DET
fsr-3899	32	25	loan	loan	NOUN
fsr-3899	32	26	if	if	SCONJ
fsr-3899	32	27	the	the	DET
fsr-3899	32	28	student	student	NOUN
fsr-3899	32	29	should	should	AUX
fsr-3899	32	30	die	die	VERB
fsr-3899	32	31	before	before	SCONJ
fsr-3899	32	32	the	the	DET
fsr-3899	32	33	loan	loan	NOUN
fsr-3899	32	34	has	have	AUX
fsr-3899	32	35	been	be	AUX
fsr-3899	32	36	repaid	repay	VERB
fsr-3899	32	37	.	.	PUNCT
fsr-3899	33	1	assume	assume	VERB
fsr-3899	33	2	that	that	SCONJ
fsr-3899	33	3	the	the	DET
fsr-3899	33	4	interest	interest	NOUN
fsr-3899	33	5	rate	rate	NOUN
fsr-3899	33	6	on	on	ADP
fsr-3899	33	7	the	the	DET
fsr-3899	33	8	loan	loan	NOUN
fsr-3899	33	9	is	be	AUX
fsr-3899	33	10	7.5	7.5	NUM
fsr-3899	33	11	%	%	NOUN
fsr-3899	33	12	,	,	PUNCT
fsr-3899	33	13	the	the	DET
fsr-3899	33	14	current	current	ADJ
fsr-3899	33	15	stafford	stafford	PROPN
fsr-3899	33	16	loan	loan	NOUN
fsr-3899	33	17	rate	rate	NOUN
fsr-3899	33	18	,	,	PUNCT
fsr-3899	33	19	during	during	ADP
fsr-3899	33	20	the	the	DET
fsr-3899	33	21	first	first	ADJ
fsr-3899	33	22	two	two	NUM
fsr-3899	33	23	years	year	NOUN
fsr-3899	33	24	of	of	ADP
fsr-3899	33	25	the	the	DET
fsr-3899	33	26	repayment	repayment	NOUN
fsr-3899	33	27	period	period	NOUN
fsr-3899	33	28	,	,	PUNCT
fsr-3899	33	29	and	and	CCONJ
fsr-3899	33	30	then	then	ADV
fsr-3899	33	31	jumps	jump	VERB
fsr-3899	33	32	to	to	ADP
fsr-3899	33	33	8.25	8.25	NUM
fsr-3899	33	34	%	%	NOUN
fsr-3899	33	35	,	,	PUNCT
fsr-3899	33	36	the	the	DET
fsr-3899	33	37	maximum	maximum	PROPN
fsr-3899	33	38	stanford	stanford	PROPN
fsr-3899	33	39	loan	loan	NOUN
fsr-3899	33	40	rate	rate	NOUN
fsr-3899	33	41	,	,	PUNCT
fsr-3899	33	42	during	during	ADP
fsr-3899	33	43	the	the	DET
fsr-3899	33	44	remaining	remain	VERB
fsr-3899	33	45	eight	eight	NUM
fsr-3899	33	46	years	year	NOUN
fsr-3899	33	47	of	of	ADP
fsr-3899	33	48	the	the	DET
fsr-3899	33	49	repayment	repayment	NOUN
fsr-3899	33	50	period	period	NOUN
fsr-3899	33	51	.	.	PUNCT
fsr-3899	34	1	to	to	PART
fsr-3899	34	2	minimize	minimize	VERB
fsr-3899	34	3	the	the	DET
fsr-3899	34	4	size	size	NOUN
fsr-3899	34	5	of	of	ADP
fsr-3899	34	6	the	the	DET
fsr-3899	34	7	tables	table	NOUN
fsr-3899	34	8	in	in	ADP
fsr-3899	34	9	this	this	DET
fsr-3899	34	10	article	article	NOUN
fsr-3899	34	11	,	,	PUNCT
fsr-3899	34	12	assume	assume	VERB
fsr-3899	34	13	that	that	SCONJ
fsr-3899	34	14	payments	payment	NOUN
fsr-3899	34	15	are	be	AUX
fsr-3899	34	16	made	make	VERB
fsr-3899	34	17	on	on	ADP
fsr-3899	34	18	a	a	DET
fsr-3899	34	19	quarterly	quarterly	ADJ
fsr-3899	34	20	basis	basis	NOUN
fsr-3899	34	21	;	;	PUNCT
fsr-3899	34	22	in	in	ADP
fsr-3899	34	23	reality	reality	NOUN
fsr-3899	34	24	,	,	PUNCT
fsr-3899	34	25	payments	payment	NOUN
fsr-3899	34	26	would	would	AUX
fsr-3899	34	27	be	be	AUX
fsr-3899	34	28	made	make	VERB
fsr-3899	34	29	monthly	monthly	ADJ
fsr-3899	34	30	.	.	PUNCT
fsr-3899	35	1	if	if	SCONJ
fsr-3899	35	2	the	the	DET
fsr-3899	35	3	student	student	NOUN
fsr-3899	35	4	borrows	borrow	VERB
fsr-3899	35	5	$	$	SYM
fsr-3899	35	6	10,000	10,000	NUM
fsr-3899	35	7	over	over	ADP
fsr-3899	35	8	a	a	DET
fsr-3899	35	9	four	four	NUM
fsr-3899	35	10	-	-	PUNCT
fsr-3899	35	11	year	year	NOUN
fsr-3899	35	12	period	period	NOUN
fsr-3899	35	13	,	,	PUNCT
fsr-3899	35	14	how	how	SCONJ
fsr-3899	35	15	large	large	ADJ
fsr-3899	35	16	will	will	AUX
fsr-3899	35	17	her	she	PRON
fsr-3899	35	18	or	or	CCONJ
fsr-3899	35	19	his	his	PRON
fsr-3899	35	20	payment	payment	NOUN
fsr-3899	35	21	be	be	AUX
fsr-3899	35	22	when	when	SCONJ
fsr-3899	35	23	she	she	PRON
fsr-3899	35	24	or	or	CCONJ
fsr-3899	35	25	he	he	PRON
fsr-3899	35	26	begins	begin	VERB
fsr-3899	35	27	to	to	PART
fsr-3899	35	28	repay	repay	VERB
fsr-3899	35	29	the	the	DET
fsr-3899	35	30	loan	loan	NOUN
fsr-3899	35	31	?	?	PUNCT
fsr-3899	36	1	the	the	DET
fsr-3899	36	2	cash	cash	NOUN
fsr-3899	36	3	flow	flow	NOUN
fsr-3899	36	4	is	be	AUX
fsr-3899	36	5	easy	easy	ADJ
fsr-3899	36	6	to	to	PART
fsr-3899	36	7	set	set	VERB
fsr-3899	36	8	up	up	ADP
fsr-3899	36	9	on	on	ADP
fsr-3899	36	10	a	a	DET
fsr-3899	36	11	spreadsheet	spreadsheet	NOUN
fsr-3899	36	12	:	:	PUNCT
fsr-3899	36	13	there	there	PRON
fsr-3899	36	14	are	be	VERB
fsr-3899	36	15	only	only	ADV
fsr-3899	36	16	a	a	DET
fsr-3899	36	17	few	few	ADJ
fsr-3899	36	18	simple	simple	ADJ
fsr-3899	36	19	equations	equation	NOUN
fsr-3899	36	20	.	.	PUNCT
fsr-3899	37	1	see	see	VERB
fsr-3899	37	2	table	table	NOUN
fsr-3899	37	3	1	1	NUM
fsr-3899	37	4	for	for	ADP
fsr-3899	37	5	the	the	DET
fsr-3899	37	6	results	result	NOUN
fsr-3899	37	7	of	of	ADP
fsr-3899	37	8	those	those	DET
fsr-3899	37	9	equations	equation	NOUN
fsr-3899	37	10	.	.	PUNCT
fsr-3899	38	1	the	the	DET
fsr-3899	38	2	next	next	ADJ
fsr-3899	38	3	few	few	ADJ
fsr-3899	38	4	paragraphs	paragraph	NOUN
fsr-3899	38	5	detail	detail	VERB
fsr-3899	38	6	the	the	DET
fsr-3899	38	7	classroom	classroom	NOUN
fsr-3899	38	8	procedure	procedure	NOUN
fsr-3899	38	9	that	that	PRON
fsr-3899	38	10	i	i	PRON
fsr-3899	38	11	use	use	VERB
fsr-3899	38	12	to	to	PART
fsr-3899	38	13	create	create	VERB
fsr-3899	38	14	a	a	DET
fsr-3899	38	15	stafford	stafford	PROPN
fsr-3899	38	16	loan	loan	NOUN
fsr-3899	38	17	excel	excel	VERB
fsr-3899	38	18	97	97	NUM
fsr-3899	38	19	cash	cash	NOUN
fsr-3899	38	20	flow	flow	NOUN
fsr-3899	38	21	spreadsheet	spreadsheet	NOUN
fsr-3899	38	22	.	.	PUNCT
fsr-3899	39	1	this	this	PRON
fsr-3899	39	2	is	be	AUX
fsr-3899	39	3	a	a	DET
fsr-3899	39	4	mental	mental	ADJ
fsr-3899	39	5	exercise	exercise	NOUN
fsr-3899	39	6	,	,	PUNCT
fsr-3899	39	7	not	not	PART
fsr-3899	39	8	a	a	DET
fsr-3899	39	9	mechanical	mechanical	ADJ
fsr-3899	39	10	one	one	NUM
fsr-3899	39	11	.	.	PUNCT
fsr-3899	40	1	the	the	DET
fsr-3899	40	2	learning	learning	NOUN
fsr-3899	40	3	and	and	CCONJ
fsr-3899	40	4	understanding	understanding	NOUN
fsr-3899	40	5	does	do	AUX
fsr-3899	40	6	not	not	PART
fsr-3899	40	7	come	come	VERB
fsr-3899	40	8	from	from	ADP
fsr-3899	40	9	simply	simply	ADV
fsr-3899	40	10	typing	type	VERB
fsr-3899	40	11	a	a	DET
fsr-3899	40	12	few	few	ADJ
fsr-3899	40	13	equations	equation	NOUN
fsr-3899	40	14	and	and	CCONJ
fsr-3899	40	15	looking	look	VERB
fsr-3899	40	16	at	at	ADP
fsr-3899	40	17	the	the	DET
fsr-3899	40	18	finished	finish	VERB
fsr-3899	40	19	cash	cash	NOUN
fsr-3899	40	20	flow	flow	NOUN
fsr-3899	40	21	picture	picture	NOUN
fsr-3899	40	22	.	.	PUNCT
fsr-3899	41	1	i	i	PRON
fsr-3899	41	2	require	require	VERB
fsr-3899	41	3	my	my	PRON
fsr-3899	41	4	table	table	NOUN
fsr-3899	41	5	1	1	NUM
fsr-3899	41	6	an	an	DET
fsr-3899	41	7	excel	excel	NOUN
fsr-3899	41	8	spreadsheet	spreadsheet	NOUN
fsr-3899	41	9	for	for	ADP
fsr-3899	41	10	a	a	DET
fsr-3899	41	11	student	student	NOUN
fsr-3899	41	12	loana	loana	NOUN
fsr-3899	41	13	a	a	DET
fsr-3899	41	14	b	b	NOUN
fsr-3899	41	15	c	c	NOUN
fsr-3899	41	16	d	d	X
fsr-3899	41	17	e	e	ADP
fsr-3899	41	18	1	1	NUM
fsr-3899	41	19	time	time	NOUN
fsr-3899	41	20	period	period	NOUN
fsr-3899	41	21	loan	loan	NOUN
fsr-3899	41	22	amount	amount	NOUN
fsr-3899	41	23	(	(	PUNCT
fsr-3899	41	24	boq	boq	NOUN
fsr-3899	41	25	)	)	PUNCT
fsr-3899	41	26	interest	interest	NOUN
fsr-3899	41	27	expense	expense	NOUN
fsr-3899	41	28	loan	loan	NOUN
fsr-3899	41	29	payment	payment	NOUN
fsr-3899	41	30	loan	loan	NOUN
fsr-3899	41	31	amount	amount	NOUN
fsr-3899	41	32	(	(	PUNCT
fsr-3899	41	33	eoq	eoq	NOUN
fsr-3899	41	34	)	)	PUNCT
fsr-3899	41	35	2	2	NUM
fsr-3899	41	36	1	1	NUM
fsr-3899	41	37	$	$	SYM
fsr-3899	41	38	10,000.00	10,000.00	NUM
fsr-3899	41	39	$	$	SYM
fsr-3899	41	40	187.50	187.50	NUM
fsr-3899	41	41	$	$	SYM
fsr-3899	41	42	300.00	300.00	NUM
fsr-3899	41	43	$	$	SYM
fsr-3899	41	44	9,887.50	9,887.50	NUM
fsr-3899	41	45	3	3	NUM
fsr-3899	41	46	2	2	NUM
fsr-3899	41	47	$	$	SYM
fsr-3899	41	48	9,887.50	9,887.50	NUM
fsr-3899	41	49	$	$	SYM
fsr-3899	41	50	185.39	185.39	NUM
fsr-3899	41	51	$	$	SYM
fsr-3899	41	52	300.00	300.00	NUM
fsr-3899	41	53	$	$	SYM
fsr-3899	41	54	9,772.89	9,772.89	NUM
fsr-3899	41	55	4	4	NUM
fsr-3899	41	56	3	3	NUM
fsr-3899	41	57	$	$	SYM
fsr-3899	41	58	9,772.89	9,772.89	NUM
fsr-3899	41	59	$	$	SYM
fsr-3899	41	60	183.24	183.24	NUM
fsr-3899	41	61	$	$	SYM
fsr-3899	41	62	300.00	300.00	NUM
fsr-3899	41	63	$	$	SYM
fsr-3899	41	64	9,656.13	9,656.13	NUM
fsr-3899	41	65	5	5	NUM
fsr-3899	41	66	4	4	NUM
fsr-3899	41	67	$	$	SYM
fsr-3899	41	68	9,656.13	9,656.13	NUM
fsr-3899	41	69	$	$	SYM
fsr-3899	41	70	181.05	181.05	NUM
fsr-3899	41	71	$	$	SYM
fsr-3899	41	72	300.00	300.00	NUM
fsr-3899	41	73	$	$	SYM
fsr-3899	41	74	9,537.18	9,537.18	NUM
fsr-3899	41	75	6	6	NUM
fsr-3899	41	76	4	4	NUM
fsr-3899	41	77	$	$	SYM
fsr-3899	41	78	9,537.18	9,537.18	NUM
fsr-3899	41	79	$	$	SYM
fsr-3899	41	80	178.82	178.82	NUM
fsr-3899	41	81	$	$	SYM
fsr-3899	41	82	300.00	300.00	NUM
fsr-3899	41	83	$	$	SYM
fsr-3899	41	84	9,416.01	9,416.01	NUM
fsr-3899	41	85	7	7	NUM
fsr-3899	41	86	6	6	NUM
fsr-3899	41	87	$	$	SYM
fsr-3899	41	88	9,416.01	9,416.01	NUM
fsr-3899	41	89	$	$	SYM
fsr-3899	41	90	176.55	176.55	NUM
fsr-3899	41	91	$	$	SYM
fsr-3899	41	92	300.00	300.00	NUM
fsr-3899	41	93	$	$	SYM
fsr-3899	41	94	9,292.56	9,292.56	NUM
fsr-3899	41	95	8	8	NUM
fsr-3899	41	96	7	7	NUM
fsr-3899	41	97	$	$	SYM
fsr-3899	41	98	9,292.56	9,292.56	NUM
fsr-3899	41	99	$	$	SYM
fsr-3899	41	100	174.24	174.24	NUM
fsr-3899	41	101	$	$	SYM
fsr-3899	41	102	300.00	300.00	NUM
fsr-3899	41	103	$	$	SYM
fsr-3899	41	104	9,166.79	9,166.79	NUM
fsr-3899	41	105	9	9	NUM
fsr-3899	41	106	8	8	NUM
fsr-3899	41	107	$	$	SYM
fsr-3899	41	108	9,166.79	9,166.79	NUM
fsr-3899	41	109	$	$	SYM
fsr-3899	41	110	171.88	171.88	NUM
fsr-3899	41	111	$	$	SYM
fsr-3899	41	112	300.00	300.00	NUM
fsr-3899	41	113	$	$	SYM
fsr-3899	41	114	9,038.67	9,038.67	NUM
fsr-3899	41	115	10	10	NUM
fsr-3899	41	116	9	9	NUM
fsr-3899	41	117	$	$	SYM
fsr-3899	41	118	9,038.67	9,038.67	NUM
fsr-3899	41	119	$	$	SYM
fsr-3899	41	120	186.42	186.42	NUM
fsr-3899	41	121	$	$	SYM
fsr-3899	41	122	300.00	300.00	NUM
fsr-3899	41	123	$	$	SYM
fsr-3899	41	124	8,925.09	8,925.09	NUM
fsr-3899	41	125	11	11	NUM
fsr-3899	41	126	10	10	NUM
fsr-3899	41	127	$	$	SYM
fsr-3899	41	128	8,925.09	8,925.09	NUM
fsr-3899	41	129	$	$	SYM
fsr-3899	41	130	184.08	184.08	NUM
fsr-3899	41	131	$	$	SYM
fsr-3899	41	132	300.00	300.00	NUM
fsr-3899	41	133	$	$	SYM
fsr-3899	41	134	8,809.17	8,809.17	NUM
fsr-3899	41	135	40	40	NUM
fsr-3899	41	136	39	39	NUM
fsr-3899	41	137	$	$	SYM
fsr-3899	41	138	4,385.68	4,385.68	NUM
fsr-3899	41	139	$	$	SYM
fsr-3899	41	140	90.45	90.45	NUM
fsr-3899	41	141	$	$	SYM
fsr-3899	41	142	300.00	300.00	NUM
fsr-3899	41	143	$	$	SYM
fsr-3899	41	144	4,176.13	4,176.13	NUM
fsr-3899	41	145	41	41	NUM
fsr-3899	41	146	40	40	NUM
fsr-3899	41	147	$	$	SYM
fsr-3899	41	148	4,176.13	4,176.13	NUM
fsr-3899	41	149	$	$	SYM
fsr-3899	41	150	86.13	86.13	NUM
fsr-3899	41	151	$	$	SYM
fsr-3899	41	152	300.00	300.00	NUM
fsr-3899	41	153	$	$	SYM
fsr-3899	41	154	3,962.27	3,962.27	NUM
fsr-3899	41	155	a	a	DET
fsr-3899	41	156	boq	boq	NOUN
fsr-3899	41	157	,	,	PUNCT
fsr-3899	41	158	beginning	begin	VERB
fsr-3899	41	159	of	of	ADP
fsr-3899	41	160	quarter	quarter	NOUN
fsr-3899	41	161	;	;	PUNCT
fsr-3899	41	162	eoq	eoq	NOUN
fsr-3899	41	163	,	,	PUNCT
fsr-3899	41	164	end	end	NOUN
fsr-3899	41	165	of	of	ADP
fsr-3899	41	166	quarter	quarter	NOUN
fsr-3899	41	167	.	.	PUNCT
fsr-3899	42	1	270	270	NUM
fsr-3899	42	2	r.r	r.r	PROPN
fsr-3899	42	3	.	.	PROPN
fsr-3899	42	4	crabb	crabb	PROPN
fsr-3899	42	5	/	/	SYM
fsr-3899	42	6	financial	financial	ADJ
fsr-3899	42	7	services	service	NOUN
fsr-3899	42	8	review	review	VERB
fsr-3899	42	9	8	8	NUM
fsr-3899	42	10	(	(	PUNCT
fsr-3899	42	11	1999	1999	NUM
fsr-3899	42	12	)	)	PUNCT
fsr-3899	42	13	269–282	269–282	NUM
fsr-3899	42	14	students	student	NOUN
fsr-3899	42	15	to	to	PART
fsr-3899	42	16	think	think	VERB
fsr-3899	42	17	about	about	ADP
fsr-3899	42	18	what	what	DET
fsr-3899	42	19	formula	formula	NOUN
fsr-3899	42	20	or	or	CCONJ
fsr-3899	42	21	number	number	NOUN
fsr-3899	42	22	belongs	belong	VERB
fsr-3899	42	23	in	in	ADP
fsr-3899	42	24	each	each	DET
fsr-3899	42	25	cell	cell	NOUN
fsr-3899	42	26	.	.	PUNCT
fsr-3899	43	1	beginning	begin	VERB
fsr-3899	43	2	with	with	ADP
fsr-3899	43	3	a	a	DET
fsr-3899	43	4	blank	blank	ADJ
fsr-3899	43	5	excel	excel	NOUN
fsr-3899	43	6	spreadsheet	spreadsheet	NOUN
fsr-3899	43	7	,	,	PUNCT
fsr-3899	43	8	i	i	PRON
fsr-3899	43	9	type	type	VERB
fsr-3899	43	10	the	the	DET
fsr-3899	43	11	labels	label	NOUN
fsr-3899	43	12	shown	show	VERB
fsr-3899	43	13	in	in	ADP
fsr-3899	43	14	table	table	NOUN
fsr-3899	43	15	1	1	NUM
fsr-3899	43	16	and	and	CCONJ
fsr-3899	43	17	the	the	DET
fsr-3899	43	18	1	1	NUM
fsr-3899	43	19	shown	show	VERB
fsr-3899	43	20	in	in	ADP
fsr-3899	43	21	cell	cell	NOUN
fsr-3899	43	22	a2	a2	PROPN
fsr-3899	43	23	.	.	PUNCT
fsr-3899	44	1	i	i	PRON
fsr-3899	44	2	then	then	ADV
fsr-3899	44	3	ask	ask	VERB
fsr-3899	44	4	my	my	PRON
fsr-3899	44	5	students	student	NOUN
fsr-3899	44	6	“	"	PUNCT
fsr-3899	44	7	how	how	SCONJ
fsr-3899	44	8	much	much	ADJ
fsr-3899	44	9	did	do	AUX
fsr-3899	44	10	the	the	DET
fsr-3899	44	11	student	student	NOUN
fsr-3899	44	12	borrow	borrow	VERB
fsr-3899	44	13	?	?	PUNCT
fsr-3899	44	14	”	"	PUNCT
fsr-3899	44	15	usually	usually	ADV
fsr-3899	44	16	about	about	ADP
fsr-3899	44	17	half	half	NOUN
fsr-3899	44	18	of	of	ADP
fsr-3899	44	19	the	the	DET
fsr-3899	44	20	class	class	NOUN
fsr-3899	44	21	says	say	VERB
fsr-3899	44	22	simultaneously	simultaneously	ADV
fsr-3899	44	23	“	"	PUNCT
fsr-3899	44	24	$	$	SYM
fsr-3899	44	25	10,000	10,000	NUM
fsr-3899	44	26	,	,	PUNCT
fsr-3899	44	27	”	"	PUNCT
fsr-3899	44	28	and	and	CCONJ
fsr-3899	44	29	i	i	PRON
fsr-3899	44	30	type	type	VERB
fsr-3899	44	31	a	a	DET
fsr-3899	44	32	10000	10000	NUM
fsr-3899	44	33	into	into	ADP
fsr-3899	44	34	cell	cell	NOUN
fsr-3899	44	35	b2	b2	NOUN
fsr-3899	44	36	.	.	PUNCT
fsr-3899	45	1	i	i	PRON
fsr-3899	45	2	then	then	ADV
fsr-3899	45	3	ask	ask	VERB
fsr-3899	45	4	for	for	ADP
fsr-3899	45	5	a	a	DET
fsr-3899	45	6	formula	formula	NOUN
fsr-3899	45	7	to	to	PART
fsr-3899	45	8	compute	compute	VERB
fsr-3899	45	9	the	the	DET
fsr-3899	45	10	interest	interest	NOUN
fsr-3899	45	11	expense	expense	NOUN
fsr-3899	45	12	.	.	PUNCT
fsr-3899	46	1	almost	almost	ADV
fsr-3899	46	2	always	always	ADV
fsr-3899	46	3	,	,	PUNCT
fsr-3899	46	4	some	some	DET
fsr-3899	46	5	student	student	NOUN
fsr-3899	46	6	says	say	VERB
fsr-3899	46	7	“	"	PUNCT
fsr-3899	46	8	50.075*b2	50.075*b2	NUM
fsr-3899	46	9	,	,	PUNCT
fsr-3899	46	10	”	"	PUNCT
fsr-3899	46	11	and	and	CCONJ
fsr-3899	46	12	i	i	PRON
fsr-3899	46	13	type	type	VERB
fsr-3899	46	14	that	that	DET
fsr-3899	46	15	formula	formula	NOUN
fsr-3899	46	16	into	into	ADP
fsr-3899	46	17	cell	cell	NOUN
fsr-3899	46	18	c2	c2	PROPN
fsr-3899	46	19	.	.	PUNCT
fsr-3899	47	1	rather	rather	ADV
fsr-3899	47	2	than	than	ADP
fsr-3899	47	3	saying	say	VERB
fsr-3899	47	4	“	"	PUNCT
fsr-3899	47	5	it	it	PRON
fsr-3899	47	6	’s	’	VERB
fsr-3899	47	7	wrong	wrong	ADJ
fsr-3899	47	8	.	.	PUNCT
fsr-3899	47	9	”	"	PUNCT
fsr-3899	48	1	i	i	PRON
fsr-3899	48	2	say	say	VERB
fsr-3899	48	3	:	:	PUNCT
fsr-3899	48	4	“	"	PUNCT
fsr-3899	48	5	it	it	PRON
fsr-3899	48	6	’s	’	VERB
fsr-3899	48	7	almost	almost	ADV
fsr-3899	48	8	right	right	ADJ
fsr-3899	48	9	.	.	PUNCT
fsr-3899	49	1	how	how	SCONJ
fsr-3899	49	2	does	do	AUX
fsr-3899	49	3	the	the	DET
fsr-3899	49	4	equation	equation	NOUN
fsr-3899	49	5	need	need	VERB
fsr-3899	49	6	to	to	PART
fsr-3899	49	7	be	be	AUX
fsr-3899	49	8	modified	modify	VERB
fsr-3899	49	9	to	to	PART
fsr-3899	49	10	compute	compute	VERB
fsr-3899	49	11	thequarterly	thequarterly	ADV
fsr-3899	49	12	interest	interest	NOUN
fsr-3899	49	13	expense	expense	NOUN
fsr-3899	49	14	?	?	PUNCT
fsr-3899	49	15	”	"	PUNCT
fsr-3899	49	16	given	give	VERB
fsr-3899	49	17	the	the	DET
fsr-3899	49	18	hint	hint	NOUN
fsr-3899	49	19	,	,	PUNCT
fsr-3899	49	20	the	the	DET
fsr-3899	49	21	same	same	ADJ
fsr-3899	49	22	student	student	NOUN
fsr-3899	49	23	,	,	PUNCT
fsr-3899	49	24	or	or	CCONJ
fsr-3899	49	25	a	a	DET
fsr-3899	49	26	different	different	ADJ
fsr-3899	49	27	student	student	NOUN
fsr-3899	49	28	,	,	PUNCT
fsr-3899	49	29	says	say	VERB
fsr-3899	49	30	“	"	PUNCT
fsr-3899	49	31	50.075/4*b2	50.075/4*b2	NUM
fsr-3899	49	32	,	,	PUNCT
fsr-3899	49	33	”	"	PUNCT
fsr-3899	49	34	and	and	CCONJ
fsr-3899	49	35	i	i	PRON
fsr-3899	49	36	edit	edit	VERB
fsr-3899	49	37	the	the	DET
fsr-3899	49	38	formula	formula	NOUN
fsr-3899	49	39	in	in	ADP
fsr-3899	49	40	cell	cell	NOUN
fsr-3899	49	41	c2	c2	PROPN
fsr-3899	49	42	.	.	PUNCT
fsr-3899	50	1	after	after	ADP
fsr-3899	50	2	explaining	explain	VERB
fsr-3899	50	3	that	that	SCONJ
fsr-3899	50	4	cell	cell	NOUN
fsr-3899	50	5	d2	d2	PROPN
fsr-3899	50	6	needs	need	VERB
fsr-3899	50	7	a	a	DET
fsr-3899	50	8	number	number	NOUN
fsr-3899	50	9	which	which	PRON
fsr-3899	50	10	is	be	AUX
fsr-3899	50	11	bigger	big	ADJ
fsr-3899	50	12	than	than	ADP
fsr-3899	50	13	the	the	DET
fsr-3899	50	14	interest	interest	NOUN
fsr-3899	50	15	expense	expense	NOUN
fsr-3899	50	16	shown	show	VERB
fsr-3899	50	17	in	in	ADP
fsr-3899	50	18	cell	cell	NOUN
fsr-3899	50	19	c2	c2	PROPN
fsr-3899	50	20	,	,	PUNCT
fsr-3899	50	21	else	else	ADV
fsr-3899	50	22	the	the	DET
fsr-3899	50	23	ending	end	VERB
fsr-3899	50	24	loan	loan	NOUN
fsr-3899	50	25	balance	balance	NOUN
fsr-3899	50	26	will	will	AUX
fsr-3899	50	27	be	be	AUX
fsr-3899	50	28	bigger	big	ADJ
fsr-3899	50	29	than	than	ADP
fsr-3899	50	30	the	the	DET
fsr-3899	50	31	beginning	begin	VERB
fsr-3899	50	32	loan	loan	NOUN
fsr-3899	50	33	balance	balance	NOUN
fsr-3899	50	34	,	,	PUNCT
fsr-3899	50	35	i	i	PRON
fsr-3899	50	36	enter	enter	VERB
fsr-3899	50	37	a	a	DET
fsr-3899	50	38	$	$	SYM
fsr-3899	50	39	300.00	300.00	NUM
fsr-3899	50	40	into	into	ADP
fsr-3899	50	41	cell	cell	NOUN
fsr-3899	50	42	d2	d2	PROPN
fsr-3899	50	43	.	.	PUNCT
fsr-3899	51	1	the	the	DET
fsr-3899	51	2	$	$	SYM
fsr-3899	51	3	300.00	300.00	NUM
fsr-3899	51	4	in	in	ADP
fsr-3899	51	5	cell	cell	NOUN
fsr-3899	51	6	d2	d2	NOUN
fsr-3899	51	7	is	be	AUX
fsr-3899	51	8	an	an	DET
fsr-3899	51	9	arbitrary	arbitrary	ADJ
fsr-3899	51	10	entry	entry	NOUN
fsr-3899	51	11	.	.	PUNCT
fsr-3899	52	1	it	it	PRON
fsr-3899	52	2	is	be	AUX
fsr-3899	52	3	not	not	PART
fsr-3899	52	4	the	the	DET
fsr-3899	52	5	loan	loan	NOUN
fsr-3899	52	6	payment	payment	NOUN
fsr-3899	52	7	amount	amount	NOUN
fsr-3899	52	8	;	;	PUNCT
fsr-3899	52	9	it	it	PRON
fsr-3899	52	10	will	will	AUX
fsr-3899	52	11	need	need	VERB
fsr-3899	52	12	to	to	PART
fsr-3899	52	13	be	be	AUX
fsr-3899	52	14	adjusted	adjust	VERB
fsr-3899	52	15	(	(	PUNCT
fsr-3899	52	16	by	by	ADP
fsr-3899	52	17	goal	goal	NOUN
fsr-3899	52	18	seek	seek	VERB
fsr-3899	52	19	in	in	ADP
fsr-3899	52	20	an	an	DET
fsr-3899	52	21	excel	excel	ADJ
fsr-3899	52	22	97	97	NUM
fsr-3899	52	23	environment	environment	NOUN
fsr-3899	52	24	or	or	CCONJ
fsr-3899	52	25	back	back	ADV
fsr-3899	52	26	solver	solver	ADV
fsr-3899	52	27	in	in	ADP
fsr-3899	52	28	a	a	DET
fsr-3899	52	29	lotus	lotus	PROPN
fsr-3899	52	30	1–2	1–2	NUM
fsr-3899	52	31	-	-	SYM
fsr-3899	52	32	3	3	NUM
fsr-3899	52	33	environment	environment	NOUN
fsr-3899	52	34	)	)	PUNCT
fsr-3899	52	35	when	when	SCONJ
fsr-3899	52	36	the	the	DET
fsr-3899	52	37	spreadsheet	spreadsheet	PROPN
fsr-3899	52	38	equations	equation	NOUN
fsr-3899	52	39	underlying	underlie	VERB
fsr-3899	52	40	the	the	DET
fsr-3899	52	41	cash	cash	NOUN
fsr-3899	52	42	flow	flow	NOUN
fsr-3899	52	43	are	be	AUX
fsr-3899	52	44	finished	finish	VERB
fsr-3899	52	45	.	.	PUNCT
fsr-3899	53	1	i	i	PRON
fsr-3899	53	2	now	now	ADV
fsr-3899	53	3	ask	ask	VERB
fsr-3899	53	4	for	for	ADP
fsr-3899	53	5	a	a	DET
fsr-3899	53	6	volunteer	volunteer	NOUN
fsr-3899	53	7	to	to	PART
fsr-3899	53	8	give	give	VERB
fsr-3899	53	9	me	i	PRON
fsr-3899	53	10	an	an	DET
fsr-3899	53	11	equation	equation	NOUN
fsr-3899	53	12	to	to	PART
fsr-3899	53	13	compute	compute	VERB
fsr-3899	53	14	the	the	DET
fsr-3899	53	15	loan	loan	NOUN
fsr-3899	53	16	balance	balance	NOUN
fsr-3899	53	17	at	at	ADP
fsr-3899	53	18	the	the	DET
fsr-3899	53	19	end	end	NOUN
fsr-3899	53	20	of	of	ADP
fsr-3899	53	21	the	the	DET
fsr-3899	53	22	first	first	ADJ
fsr-3899	53	23	quarter	quarter	NOUN
fsr-3899	53	24	.	.	PUNCT
fsr-3899	54	1	i	i	PRON
fsr-3899	54	2	am	be	AUX
fsr-3899	54	3	indifferent	indifferent	ADJ
fsr-3899	54	4	as	as	ADP
fsr-3899	54	5	to	to	ADP
fsr-3899	54	6	whether	whether	SCONJ
fsr-3899	54	7	the	the	DET
fsr-3899	54	8	equation	equation	NOUN
fsr-3899	54	9	volunteered	volunteer	VERB
fsr-3899	54	10	is	be	AUX
fsr-3899	54	11	correct	correct	ADJ
fsr-3899	54	12	or	or	CCONJ
fsr-3899	54	13	incorrect	incorrect	ADJ
fsr-3899	54	14	.	.	PUNCT
fsr-3899	55	1	if	if	SCONJ
fsr-3899	55	2	correct	correct	ADJ
fsr-3899	55	3	,	,	PUNCT
fsr-3899	55	4	i	i	PRON
fsr-3899	55	5	go	go	VERB
fsr-3899	55	6	on	on	ADP
fsr-3899	55	7	to	to	PART
fsr-3899	55	8	row	row	VERB
fsr-3899	55	9	two	two	NUM
fsr-3899	55	10	.	.	PUNCT
fsr-3899	56	1	if	if	SCONJ
fsr-3899	56	2	incorrect	incorrect	ADJ
fsr-3899	56	3	,	,	PUNCT
fsr-3899	56	4	i	i	PRON
fsr-3899	56	5	say	say	VERB
fsr-3899	56	6	:	:	PUNCT
fsr-3899	56	7	“	"	PUNCT
fsr-3899	56	8	it	it	PRON
fsr-3899	56	9	’s	’	VERB
fsr-3899	56	10	almost	almost	ADV
fsr-3899	56	11	right	right	ADJ
fsr-3899	56	12	.	.	PUNCT
fsr-3899	57	1	how	how	SCONJ
fsr-3899	57	2	does	do	AUX
fsr-3899	57	3	the	the	DET
fsr-3899	57	4	equation	equation	NOUN
fsr-3899	57	5	need	need	VERB
fsr-3899	57	6	to	to	PART
fsr-3899	57	7	be	be	AUX
fsr-3899	57	8	modified	modify	VERB
fsr-3899	57	9	to	to	PART
fsr-3899	57	10	compute	compute	VERB
fsr-3899	57	11	the	the	DET
fsr-3899	57	12	ending	end	VERB
fsr-3899	57	13	loan	loan	NOUN
fsr-3899	57	14	balance	balance	NOUN
fsr-3899	57	15	?	?	PUNCT
fsr-3899	57	16	”	"	PUNCT
fsr-3899	58	1	after	after	ADP
fsr-3899	58	2	the	the	DET
fsr-3899	58	3	formula	formula	NOUN
fsr-3899	58	4	5b21c2	5b21c2	NOUN
fsr-3899	58	5	-	-	PUNCT
fsr-3899	58	6	d2	d2	PROPN
fsr-3899	58	7	is	be	AUX
fsr-3899	58	8	entered	enter	VERB
fsr-3899	58	9	into	into	ADP
fsr-3899	58	10	cell	cell	NOUN
fsr-3899	58	11	e2	e2	PROPN
fsr-3899	58	12	,	,	PUNCT
fsr-3899	58	13	i	i	PRON
fsr-3899	58	14	move	move	VERB
fsr-3899	58	15	to	to	ADP
fsr-3899	58	16	the	the	DET
fsr-3899	58	17	next	next	ADJ
fsr-3899	58	18	row	row	NOUN
fsr-3899	58	19	.	.	PUNCT
fsr-3899	59	1	i	i	PRON
fsr-3899	59	2	ask	ask	VERB
fsr-3899	59	3	my	my	PRON
fsr-3899	59	4	students	student	NOUN
fsr-3899	59	5	for	for	ADP
fsr-3899	59	6	a	a	DET
fsr-3899	59	7	formula	formula	NOUN
fsr-3899	59	8	to	to	PART
fsr-3899	59	9	compute	compute	VERB
fsr-3899	59	10	the	the	DET
fsr-3899	59	11	time	time	NOUN
fsr-3899	59	12	period	period	NOUN
fsr-3899	59	13	,	,	PUNCT
fsr-3899	59	14	and	and	CCONJ
fsr-3899	59	15	,	,	PUNCT
fsr-3899	59	16	after	after	ADP
fsr-3899	59	17	getting	get	VERB
fsr-3899	59	18	a	a	DET
fsr-3899	59	19	correct	correct	ADJ
fsr-3899	59	20	answer	answer	NOUN
fsr-3899	59	21	or	or	CCONJ
fsr-3899	59	22	after	after	ADP
fsr-3899	59	23	editing	edit	VERB
fsr-3899	59	24	an	an	DET
fsr-3899	59	25	incorrect	incorrect	ADJ
fsr-3899	59	26	answer	answer	NOUN
fsr-3899	59	27	,	,	PUNCT
fsr-3899	59	28	enter5a211	enter5a211	NOUN
fsr-3899	59	29	into	into	ADP
fsr-3899	59	30	cell	cell	NOUN
fsr-3899	59	31	a3	a3	NOUN
fsr-3899	59	32	.	.	PUNCT
fsr-3899	60	1	i	i	PRON
fsr-3899	60	2	ask	ask	VERB
fsr-3899	60	3	my	my	PRON
fsr-3899	60	4	students	student	NOUN
fsr-3899	60	5	for	for	ADP
fsr-3899	60	6	a	a	DET
fsr-3899	60	7	formula	formula	NOUN
fsr-3899	60	8	for	for	ADP
fsr-3899	60	9	the	the	DET
fsr-3899	60	10	beginning	begin	VERB
fsr-3899	60	11	loan	loan	NOUN
fsr-3899	60	12	balance	balance	NOUN
fsr-3899	60	13	at	at	ADP
fsr-3899	60	14	the	the	DET
fsr-3899	60	15	beginning	beginning	NOUN
fsr-3899	60	16	of	of	ADP
fsr-3899	60	17	the	the	DET
fsr-3899	60	18	second	second	ADJ
fsr-3899	60	19	quarter	quarter	NOUN
fsr-3899	60	20	,	,	PUNCT
fsr-3899	60	21	and	and	CCONJ
fsr-3899	60	22	,	,	PUNCT
fsr-3899	60	23	after	after	ADP
fsr-3899	60	24	getting	get	VERB
fsr-3899	60	25	a	a	DET
fsr-3899	60	26	correct	correct	ADJ
fsr-3899	60	27	answer	answer	NOUN
fsr-3899	60	28	or	or	CCONJ
fsr-3899	60	29	editing	edit	VERB
fsr-3899	60	30	an	an	DET
fsr-3899	60	31	incorrect	incorrect	ADJ
fsr-3899	60	32	answer	answer	NOUN
fsr-3899	60	33	,	,	PUNCT
fsr-3899	60	34	enter5e2	enter5e2	PUNCT
fsr-3899	60	35	into	into	ADP
fsr-3899	60	36	cell	cell	NOUN
fsr-3899	60	37	b3	b3	NOUN
fsr-3899	60	38	.	.	PUNCT
fsr-3899	61	1	i	i	PRON
fsr-3899	61	2	click	click	VERB
fsr-3899	61	3	on	on	ADP
fsr-3899	61	4	cell	cell	NOUN
fsr-3899	61	5	c2	c2	PROPN
fsr-3899	61	6	,	,	PUNCT
fsr-3899	61	7	and	and	CCONJ
fsr-3899	61	8	i	i	PRON
fsr-3899	61	9	ask	ask	VERB
fsr-3899	61	10	my	my	PRON
fsr-3899	61	11	students	student	NOUN
fsr-3899	61	12	if	if	SCONJ
fsr-3899	61	13	the	the	DET
fsr-3899	61	14	formula	formula	NOUN
fsr-3899	61	15	in	in	ADP
fsr-3899	61	16	cell	cell	NOUN
fsr-3899	61	17	c2	c2	PROPN
fsr-3899	61	18	is	be	AUX
fsr-3899	61	19	appropriate	appropriate	ADJ
fsr-3899	61	20	for	for	ADP
fsr-3899	61	21	cell	cell	NOUN
fsr-3899	61	22	c3	c3	NOUN
fsr-3899	61	23	.	.	PUNCT
fsr-3899	62	1	after	after	ADP
fsr-3899	62	2	getting	get	VERB
fsr-3899	62	3	the	the	DET
fsr-3899	62	4	answer	answer	NOUN
fsr-3899	62	5	“	"	PUNCT
fsr-3899	62	6	yes	yes	INTJ
fsr-3899	62	7	.	.	PUNCT
fsr-3899	62	8	”	"	PUNCT
fsr-3899	63	1	i	i	PRON
fsr-3899	63	2	copy	copy	VERB
fsr-3899	63	3	the	the	DET
fsr-3899	63	4	c2	c2	PROPN
fsr-3899	63	5	formula	formula	NOUN
fsr-3899	63	6	into	into	ADP
fsr-3899	63	7	cell	cell	NOUN
fsr-3899	63	8	c3	c3	NOUN
fsr-3899	63	9	.	.	PUNCT
fsr-3899	64	1	in	in	ADP
fsr-3899	64	2	cell	cell	NOUN
fsr-3899	64	3	d3	d3	PROPN
fsr-3899	64	4	i	i	PRON
fsr-3899	64	5	type5d2	type5d2	VERB
fsr-3899	64	6	.	.	PUNCT
fsr-3899	65	1	i	i	PRON
fsr-3899	65	2	click	click	VERB
fsr-3899	65	3	on	on	ADP
fsr-3899	65	4	cell	cell	NOUN
fsr-3899	65	5	e2	e2	PROPN
fsr-3899	65	6	,	,	PUNCT
fsr-3899	65	7	and	and	CCONJ
fsr-3899	65	8	i	i	PRON
fsr-3899	65	9	ask	ask	VERB
fsr-3899	65	10	my	my	PRON
fsr-3899	65	11	students	student	NOUN
fsr-3899	65	12	if	if	SCONJ
fsr-3899	65	13	the	the	DET
fsr-3899	65	14	formula	formula	NOUN
fsr-3899	65	15	in	in	ADP
fsr-3899	65	16	cell	cell	NOUN
fsr-3899	65	17	e2	e2	PROPN
fsr-3899	65	18	is	be	AUX
fsr-3899	65	19	appropriate	appropriate	ADJ
fsr-3899	65	20	for	for	ADP
fsr-3899	65	21	cell	cell	NOUN
fsr-3899	65	22	e3	e3	NOUN
fsr-3899	65	23	.	.	PUNCT
fsr-3899	66	1	after	after	ADP
fsr-3899	66	2	getting	get	VERB
fsr-3899	66	3	the	the	DET
fsr-3899	66	4	answer	answer	NOUN
fsr-3899	66	5	“	"	PUNCT
fsr-3899	66	6	yes	yes	INTJ
fsr-3899	66	7	.	.	PUNCT
fsr-3899	66	8	”	"	PUNCT
fsr-3899	67	1	i	i	PRON
fsr-3899	67	2	copy	copy	VERB
fsr-3899	67	3	the	the	DET
fsr-3899	67	4	cell	cell	NOUN
fsr-3899	67	5	e2	e2	PROPN
fsr-3899	67	6	formula	formula	NOUN
fsr-3899	67	7	into	into	ADP
fsr-3899	67	8	cell	cell	NOUN
fsr-3899	67	9	e3	e3	NOUN
fsr-3899	67	10	.	.	PUNCT
fsr-3899	68	1	i	i	PRON
fsr-3899	68	2	then	then	ADV
fsr-3899	68	3	click	click	VERB
fsr-3899	68	4	on	on	ADP
fsr-3899	68	5	cells	cell	NOUN
fsr-3899	68	6	a3	a3	VERB
fsr-3899	68	7	through	through	ADP
fsr-3899	68	8	e3	e3	NOUN
fsr-3899	68	9	,	,	PUNCT
fsr-3899	68	10	and	and	CCONJ
fsr-3899	68	11	copy	copy	VERB
fsr-3899	68	12	the	the	DET
fsr-3899	68	13	formulae	formulae	NOUN
fsr-3899	68	14	down	down	ADP
fsr-3899	68	15	through	through	ADP
fsr-3899	68	16	row	row	NOUN
fsr-3899	68	17	10	10	NUM
fsr-3899	68	18	.	.	PUNCT
fsr-3899	69	1	i	i	PRON
fsr-3899	69	2	click	click	VERB
fsr-3899	69	3	on	on	ADP
fsr-3899	69	4	cell	cell	NOUN
fsr-3899	69	5	c10	c10	VERB
fsr-3899	69	6	,	,	PUNCT
fsr-3899	69	7	and	and	CCONJ
fsr-3899	69	8	ask	ask	VERB
fsr-3899	69	9	my	my	PRON
fsr-3899	69	10	students	student	NOUN
fsr-3899	69	11	what	what	PRON
fsr-3899	69	12	change	change	NOUN
fsr-3899	69	13	needs	need	VERB
fsr-3899	69	14	to	to	PART
fsr-3899	69	15	made	made	VERB
fsr-3899	69	16	to	to	ADP
fsr-3899	69	17	this	this	DET
fsr-3899	69	18	formula	formula	NOUN
fsr-3899	69	19	.	.	PUNCT
fsr-3899	70	1	after	after	SCONJ
fsr-3899	70	2	a	a	DET
fsr-3899	70	3	student	student	NOUN
fsr-3899	70	4	replies	reply	VERB
fsr-3899	70	5	that	that	SCONJ
fsr-3899	70	6	the	the	DET
fsr-3899	70	7	0.075	0.075	NUM
fsr-3899	70	8	needs	need	NOUN
fsr-3899	70	9	to	to	PART
fsr-3899	70	10	be	be	AUX
fsr-3899	70	11	changed	change	VERB
fsr-3899	70	12	to	to	ADP
fsr-3899	70	13	0.0825	0.0825	NUM
fsr-3899	70	14	because	because	SCONJ
fsr-3899	70	15	the	the	DET
fsr-3899	70	16	interest	interest	NOUN
fsr-3899	70	17	rate	rate	NOUN
fsr-3899	70	18	changes	change	NOUN
fsr-3899	70	19	from	from	ADP
fsr-3899	70	20	7.5	7.5	NUM
fsr-3899	70	21	%	%	NOUN
fsr-3899	70	22	to	to	ADP
fsr-3899	70	23	8.25	8.25	NUM
fsr-3899	70	24	%	%	NOUN
fsr-3899	70	25	at	at	ADP
fsr-3899	70	26	the	the	DET
fsr-3899	70	27	beginning	beginning	NOUN
fsr-3899	70	28	of	of	ADP
fsr-3899	70	29	the	the	DET
fsr-3899	70	30	third	third	ADJ
fsr-3899	70	31	year	year	NOUN
fsr-3899	70	32	of	of	ADP
fsr-3899	70	33	the	the	DET
fsr-3899	70	34	loan	loan	NOUN
fsr-3899	70	35	,	,	PUNCT
fsr-3899	70	36	i	i	PRON
fsr-3899	70	37	edit	edit	VERB
fsr-3899	70	38	cell	cell	NOUN
fsr-3899	70	39	c10	c10	VERB
fsr-3899	70	40	to50.0825/	to50.0825/	PROPN
fsr-3899	70	41	4*b10	4*b10	NOUN
fsr-3899	70	42	.	.	PUNCT
fsr-3899	71	1	i	i	PRON
fsr-3899	71	2	click	click	VERB
fsr-3899	71	3	on	on	ADP
fsr-3899	71	4	cells	cell	NOUN
fsr-3899	71	5	a10	a10	VERB
fsr-3899	71	6	through	through	ADP
fsr-3899	71	7	e10	e10	NUM
fsr-3899	71	8	,	,	PUNCT
fsr-3899	71	9	and	and	CCONJ
fsr-3899	71	10	copy	copy	VERB
fsr-3899	71	11	the	the	DET
fsr-3899	71	12	formulae	formulae	NOUN
fsr-3899	71	13	down	down	ADP
fsr-3899	71	14	through	through	ADP
fsr-3899	71	15	row	row	NOUN
fsr-3899	71	16	41	41	NUM
fsr-3899	71	17	.	.	PUNCT
fsr-3899	72	1	finally	finally	ADV
fsr-3899	72	2	,	,	PUNCT
fsr-3899	72	3	i	i	PRON
fsr-3899	72	4	click	click	VERB
fsr-3899	72	5	on	on	ADP
fsr-3899	72	6	cells	cell	NOUN
fsr-3899	72	7	b2	b2	VERB
fsr-3899	72	8	through	through	ADP
fsr-3899	72	9	e41	e41	NOUN
fsr-3899	72	10	,	,	PUNCT
fsr-3899	72	11	and	and	CCONJ
fsr-3899	72	12	format	format	NOUN
fsr-3899	72	13	to	to	ADP
fsr-3899	72	14	dollars	dollar	NOUN
fsr-3899	72	15	by	by	ADP
fsr-3899	72	16	clicking	click	VERB
fsr-3899	72	17	the	the	DET
fsr-3899	72	18	$	$	SYM
fsr-3899	72	19	icon	icon	NOUN
fsr-3899	72	20	on	on	ADP
fsr-3899	72	21	the	the	DET
fsr-3899	72	22	toolbar	toolbar	NOUN
fsr-3899	72	23	.	.	PUNCT
fsr-3899	73	1	the	the	DET
fsr-3899	73	2	process	process	NOUN
fsr-3899	73	3	of	of	ADP
fsr-3899	73	4	requiring	require	VERB
fsr-3899	73	5	your	your	PRON
fsr-3899	73	6	students	student	NOUN
fsr-3899	73	7	to	to	PART
fsr-3899	73	8	think	think	VERB
fsr-3899	73	9	about	about	ADP
fsr-3899	73	10	what	what	PRON
fsr-3899	73	11	equation	equation	NOUN
fsr-3899	73	12	or	or	CCONJ
fsr-3899	73	13	number	number	NOUN
fsr-3899	73	14	is	be	AUX
fsr-3899	73	15	going	go	VERB
fsr-3899	73	16	into	into	ADP
fsr-3899	73	17	each	each	DET
fsr-3899	73	18	cell	cell	NOUN
fsr-3899	73	19	forces	force	VERB
fsr-3899	73	20	them	they	PRON
fsr-3899	73	21	to	to	PART
fsr-3899	73	22	become	become	VERB
fsr-3899	73	23	active	active	ADJ
fsr-3899	73	24	learners	learner	NOUN
fsr-3899	73	25	.	.	PUNCT
fsr-3899	74	1	since	since	SCONJ
fsr-3899	74	2	the	the	DET
fsr-3899	74	3	balance	balance	NOUN
fsr-3899	74	4	of	of	ADP
fsr-3899	74	5	the	the	DET
fsr-3899	74	6	loan	loan	NOUN
fsr-3899	74	7	after	after	ADP
fsr-3899	74	8	40	40	NUM
fsr-3899	74	9	payments	payment	NOUN
fsr-3899	74	10	is	be	AUX
fsr-3899	74	11	not	not	PART
fsr-3899	74	12	zero	zero	NUM
fsr-3899	74	13	,	,	PUNCT
fsr-3899	74	14	i	i	PRON
fsr-3899	74	15	ask	ask	VERB
fsr-3899	74	16	someone	someone	PRON
fsr-3899	74	17	in	in	ADP
fsr-3899	74	18	the	the	DET
fsr-3899	74	19	class	class	NOUN
fsr-3899	74	20	to	to	PART
fsr-3899	74	21	volunteer	volunteer	VERB
fsr-3899	74	22	a	a	DET
fsr-3899	74	23	new	new	ADJ
fsr-3899	74	24	number	number	NOUN
fsr-3899	74	25	for	for	ADP
fsr-3899	74	26	the	the	DET
fsr-3899	74	27	loan	loan	NOUN
fsr-3899	74	28	payment	payment	NOUN
fsr-3899	74	29	amount	amount	NOUN
fsr-3899	74	30	.	.	PUNCT
fsr-3899	75	1	when	when	SCONJ
fsr-3899	75	2	a	a	DET
fsr-3899	75	3	student	student	NOUN
fsr-3899	75	4	says	say	VERB
fsr-3899	75	5	“	"	PUNCT
fsr-3899	75	6	$	$	SYM
fsr-3899	75	7	350.00	350.00	NUM
fsr-3899	75	8	,	,	PUNCT
fsr-3899	75	9	”	"	PUNCT
fsr-3899	75	10	i	i	PRON
fsr-3899	75	11	type	type	VERB
fsr-3899	75	12	350	350	NUM
fsr-3899	75	13	in	in	ADP
fsr-3899	75	14	cell	cell	NOUN
fsr-3899	75	15	d2	d2	NOUN
fsr-3899	75	16	,	,	PUNCT
fsr-3899	75	17	and	and	CCONJ
fsr-3899	75	18	the	the	DET
fsr-3899	75	19	loan	loan	NOUN
fsr-3899	75	20	balance	balance	NOUN
fsr-3899	75	21	is	be	AUX
fsr-3899	75	22	now	now	ADV
fsr-3899	75	23	$	$	SYM
fsr-3899	75	24	906.37	906.37	NUM
fsr-3899	75	25	.	.	PUNCT
fsr-3899	76	1	after	after	ADP
fsr-3899	76	2	entering	enter	VERB
fsr-3899	76	3	375	375	NUM
fsr-3899	76	4	into	into	ADP
fsr-3899	76	5	cell	cell	NOUN
fsr-3899	76	6	d2	d2	PROPN
fsr-3899	76	7	,	,	PUNCT
fsr-3899	76	8	the	the	DET
fsr-3899	76	9	loan	loan	NOUN
fsr-3899	76	10	balance	balance	NOUN
fsr-3899	76	11	is	be	AUX
fsr-3899	76	12	(	(	PUNCT
fsr-3899	76	13	$	$	SYM
fsr-3899	76	14	621.59	621.59	NUM
fsr-3899	76	15	)	)	PUNCT
fsr-3899	76	16	.	.	PUNCT
fsr-3899	77	1	a	a	DET
fsr-3899	77	2	365	365	NUM
fsr-3899	77	3	entry	entry	NOUN
fsr-3899	77	4	results	result	NOUN
fsr-3899	77	5	in	in	ADP
fsr-3899	77	6	a	a	DET
fsr-3899	77	7	loan	loan	NOUN
fsr-3899	77	8	balance	balance	NOUN
fsr-3899	77	9	of	of	ADP
fsr-3899	77	10	(	(	PUNCT
fsr-3899	77	11	$	$	SYM
fsr-3899	77	12	10.41	10.41	NUM
fsr-3899	77	13	)	)	PUNCT
fsr-3899	77	14	.	.	PUNCT
fsr-3899	78	1	it	it	PRON
fsr-3899	78	2	does	do	AUX
fsr-3899	78	3	n’t	not	PART
fsr-3899	78	4	take	take	VERB
fsr-3899	78	5	too	too	ADV
fsr-3899	78	6	long	long	ADJ
fsr-3899	78	7	to	to	PART
fsr-3899	78	8	get	get	VERB
fsr-3899	78	9	the	the	DET
fsr-3899	78	10	loan	loan	NOUN
fsr-3899	78	11	balance	balance	NOUN
fsr-3899	78	12	close	close	ADJ
fsr-3899	78	13	to	to	ADP
fsr-3899	78	14	zero	zero	NUM
fsr-3899	78	15	;	;	PUNCT
fsr-3899	78	16	however	however	ADV
fsr-3899	78	17	,	,	PUNCT
fsr-3899	78	18	the	the	DET
fsr-3899	78	19	closest	close	ADJ
fsr-3899	78	20	a	a	DET
fsr-3899	78	21	trial	trial	NOUN
fsr-3899	78	22	-	-	PUNCT
fsr-3899	78	23	and	and	CCONJ
fsr-3899	78	24	-	-	PUNCT
fsr-3899	78	25	error	error	NOUN
fsr-3899	78	26	solution	solution	NOUN
fsr-3899	78	27	can	can	AUX
fsr-3899	78	28	come	come	VERB
fsr-3899	78	29	is	be	AUX
fsr-3899	78	30	minus	minus	CCONJ
fsr-3899	78	31	one	one	NUM
fsr-3899	78	32	cent	cent	NOUN
fsr-3899	78	33	.	.	PUNCT
fsr-3899	79	1	the	the	DET
fsr-3899	79	2	inability	inability	NOUN
fsr-3899	79	3	to	to	PART
fsr-3899	79	4	get	get	VERB
fsr-3899	79	5	an	an	DET
fsr-3899	79	6	exact	exact	ADJ
fsr-3899	79	7	zero	zero	NUM
fsr-3899	79	8	answer	answer	NOUN
fsr-3899	79	9	allows	allow	VERB
fsr-3899	79	10	for	for	ADP
fsr-3899	79	11	a	a	DET
fsr-3899	79	12	discussion	discussion	NOUN
fsr-3899	79	13	of	of	ADP
fsr-3899	79	14	how	how	SCONJ
fsr-3899	79	15	loans	loan	NOUN
fsr-3899	79	16	are	be	AUX
fsr-3899	79	17	actually	actually	ADV
fsr-3899	79	18	amortized	amortize	VERB
fsr-3899	79	19	in	in	ADP
fsr-3899	79	20	the	the	DET
fsr-3899	79	21	real	real	ADJ
fsr-3899	79	22	world	world	NOUN
fsr-3899	79	23	.	.	PUNCT
fsr-3899	80	1	to	to	PART
fsr-3899	80	2	amortize	amortize	VERB
fsr-3899	80	3	his	his	PRON
fsr-3899	80	4	/	/	SYM
fsr-3899	80	5	her	her	PRON
fsr-3899	80	6	loan	loan	NOUN
fsr-3899	80	7	,	,	PUNCT
fsr-3899	80	8	the	the	DET
fsr-3899	80	9	stafford	stafford	PROPN
fsr-3899	80	10	loan	loan	NOUN
fsr-3899	80	11	borrower	borrower	NOUN
fsr-3899	80	12	makes	make	VERB
fsr-3899	80	13	39	39	NUM
fsr-3899	80	14	equal	equal	ADJ
fsr-3899	80	15	payments	payment	NOUN
fsr-3899	80	16	of	of	ADP
fsr-3899	80	17	$	$	SYM
fsr-3899	80	18	364.83	364.83	NUM
fsr-3899	80	19	and	and	CCONJ
fsr-3899	80	20	one	one	NUM
fsr-3899	80	21	final	final	ADJ
fsr-3899	80	22	payment	payment	NOUN
fsr-3899	80	23	of	of	ADP
fsr-3899	80	24	$	$	SYM
fsr-3899	80	25	364.82	364.82	NUM
fsr-3899	80	26	.	.	PUNCT
fsr-3899	81	1	while	while	SCONJ
fsr-3899	81	2	a	a	DET
fsr-3899	81	3	trial	trial	NOUN
fsr-3899	81	4	-	-	PUNCT
fsr-3899	81	5	and	and	CCONJ
fsr-3899	81	6	-	-	PUNCT
fsr-3899	81	7	error	error	NOUN
fsr-3899	81	8	solution	solution	NOUN
fsr-3899	81	9	is	be	AUX
fsr-3899	81	10	certainly	certainly	ADV
fsr-3899	81	11	possible,1	possible,1	VERB
fsr-3899	81	12	it	it	PRON
fsr-3899	81	13	is	be	AUX
fsr-3899	81	14	easier	easy	ADJ
fsr-3899	81	15	and	and	CCONJ
fsr-3899	81	16	quicker	quick	ADV
fsr-3899	81	17	to	to	PART
fsr-3899	81	18	set	set	VERB
fsr-3899	81	19	the	the	DET
fsr-3899	81	20	cursor	cursor	NOUN
fsr-3899	81	21	on	on	ADP
fsr-3899	81	22	cell	cell	NOUN
fsr-3899	81	23	e41	e41	NOUN
fsr-3899	81	24	,	,	PUNCT
fsr-3899	81	25	go	go	VERB
fsr-3899	81	26	up	up	ADP
fsr-3899	81	27	to	to	ADP
fsr-3899	81	28	the	the	DET
fsr-3899	81	29	toolbar	toolbar	NOUN
fsr-3899	81	30	and	and	CCONJ
fsr-3899	81	31	click	click	VERB
fsr-3899	81	32	on	on	ADP
fsr-3899	81	33	tools	tool	NOUN
fsr-3899	81	34	,	,	PUNCT
fsr-3899	81	35	and	and	CCONJ
fsr-3899	81	36	then	then	ADV
fsr-3899	81	37	click	click	VERB
fsr-3899	81	38	on	on	ADP
fsr-3899	81	39	goal	goal	NOUN
fsr-3899	81	40	seek	seek	VERB
fsr-3899	81	41	.	.	PUNCT
fsr-3899	82	1	see	see	VERB
fsr-3899	82	2	fig	fig	NOUN
fsr-3899	82	3	.	.	PUNCT
fsr-3899	83	1	1	1	NUM
fsr-3899	83	2	.	.	X
fsr-3899	84	1	271r.r	271r.r	NUM
fsr-3899	84	2	.	.	PUNCT
fsr-3899	84	3	crabb	crabb	PROPN
fsr-3899	84	4	/	/	SYM
fsr-3899	84	5	financial	financial	ADJ
fsr-3899	84	6	services	service	NOUN
fsr-3899	84	7	review	review	VERB
fsr-3899	84	8	8	8	NUM
fsr-3899	84	9	(	(	PUNCT
fsr-3899	84	10	1999	1999	NUM
fsr-3899	84	11	)	)	PUNCT
fsr-3899	84	12	269–282	269–282	NUM
fsr-3899	84	13	the	the	DET
fsr-3899	84	14	goal	goal	NOUN
fsr-3899	84	15	seek	seek	VERB
fsr-3899	84	16	tool	tool	NOUN
fsr-3899	84	17	requires	require	VERB
fsr-3899	84	18	three	three	NUM
fsr-3899	84	19	input	input	NOUN
fsr-3899	84	20	values	value	NOUN
fsr-3899	84	21	to	to	PART
fsr-3899	84	22	solve	solve	VERB
fsr-3899	84	23	a	a	DET
fsr-3899	84	24	problem	problem	NOUN
fsr-3899	84	25	:	:	PUNCT
fsr-3899	84	26	a	a	DET
fsr-3899	84	27	target	target	NOUN
fsr-3899	84	28	cell	cell	NOUN
fsr-3899	84	29	(	(	PUNCT
fsr-3899	84	30	cell	cell	NOUN
fsr-3899	84	31	e41	e41	NOUN
fsr-3899	84	32	,	,	PUNCT
fsr-3899	84	33	the	the	DET
fsr-3899	84	34	ending	end	VERB
fsr-3899	84	35	loan	loan	NOUN
fsr-3899	84	36	balance	balance	NOUN
fsr-3899	84	37	)	)	PUNCT
fsr-3899	84	38	,	,	PUNCT
fsr-3899	84	39	a	a	DET
fsr-3899	84	40	value	value	NOUN
fsr-3899	84	41	for	for	ADP
fsr-3899	84	42	the	the	DET
fsr-3899	84	43	target	target	NOUN
fsr-3899	84	44	cell	cell	NOUN
fsr-3899	84	45	,	,	PUNCT
fsr-3899	84	46	and	and	CCONJ
fsr-3899	84	47	the	the	DET
fsr-3899	84	48	cell	cell	NOUN
fsr-3899	84	49	address	address	NOUN
fsr-3899	84	50	that	that	PRON
fsr-3899	84	51	you	you	PRON
fsr-3899	84	52	want	want	VERB
fsr-3899	84	53	to	to	PART
fsr-3899	84	54	change	change	VERB
fsr-3899	84	55	to	to	PART
fsr-3899	84	56	cause	cause	VERB
fsr-3899	84	57	the	the	DET
fsr-3899	84	58	target	target	NOUN
fsr-3899	84	59	cell	cell	NOUN
fsr-3899	84	60	to	to	PART
fsr-3899	84	61	take	take	VERB
fsr-3899	84	62	on	on	ADP
fsr-3899	84	63	the	the	DET
fsr-3899	84	64	desired	desire	VERB
fsr-3899	84	65	value	value	NOUN
fsr-3899	84	66	.	.	PUNCT
fsr-3899	85	1	in	in	ADP
fsr-3899	85	2	theto	theto	NOUN
fsr-3899	85	3	value	value	NOUN
fsr-3899	85	4	:	:	PUNCT
fsr-3899	85	5	box	box	NOUN
fsr-3899	85	6	,	,	PUNCT
fsr-3899	85	7	enter	enter	VERB
fsr-3899	85	8	a	a	DET
fsr-3899	85	9	zero	zero	NUM
fsr-3899	85	10	.	.	PUNCT
fsr-3899	86	1	in	in	ADP
fsr-3899	86	2	the	the	PRON
fsr-3899	86	3	by	by	ADP
fsr-3899	86	4	changing	change	VERB
fsr-3899	86	5	cell	cell	NOUN
fsr-3899	86	6	:	:	PUNCT
fsr-3899	86	7	box	box	NOUN
fsr-3899	86	8	,	,	PUNCT
fsr-3899	86	9	enter	enter	VERB
fsr-3899	86	10	cell	cell	NOUN
fsr-3899	86	11	d2	d2	PROPN
fsr-3899	86	12	.	.	PUNCT
fsr-3899	87	1	click	click	VERB
fsr-3899	87	2	on	on	ADP
fsr-3899	87	3	the	the	DET
fsr-3899	87	4	ok	ok	ADJ
fsr-3899	87	5	button	button	NOUN
fsr-3899	87	6	,	,	PUNCT
fsr-3899	87	7	and	and	CCONJ
fsr-3899	87	8	the	the	DET
fsr-3899	87	9	goal	goal	NOUN
fsr-3899	87	10	seek	seek	VERB
fsr-3899	87	11	algorithm	algorithm	NOUN
fsr-3899	87	12	will	will	AUX
fsr-3899	87	13	iterate	iterate	VERB
fsr-3899	87	14	towards	towards	ADP
fsr-3899	87	15	a	a	DET
fsr-3899	87	16	solution	solution	NOUN
fsr-3899	87	17	.	.	PUNCT
fsr-3899	88	1	the	the	DET
fsr-3899	88	2	goal	goal	NOUN
fsr-3899	88	3	seek	seek	VERB
fsr-3899	88	4	algorithm	algorithm	NOUN
fsr-3899	88	5	will	will	AUX
fsr-3899	88	6	try	try	VERB
fsr-3899	88	7	different	different	ADJ
fsr-3899	88	8	values	value	NOUN
fsr-3899	88	9	for	for	ADP
fsr-3899	88	10	the	the	DET
fsr-3899	88	11	loan	loan	NOUN
fsr-3899	88	12	payment	payment	NOUN
fsr-3899	88	13	amount	amount	NOUN
fsr-3899	88	14	to	to	PART
fsr-3899	88	15	find	find	VERB
fsr-3899	88	16	the	the	DET
fsr-3899	88	17	loan	loan	NOUN
fsr-3899	88	18	payment	payment	NOUN
fsr-3899	88	19	amount	amount	NOUN
fsr-3899	88	20	that	that	PRON
fsr-3899	88	21	causes	cause	VERB
fsr-3899	88	22	the	the	DET
fsr-3899	88	23	loan	loan	NOUN
fsr-3899	88	24	balance	balance	NOUN
fsr-3899	88	25	,	,	PUNCT
fsr-3899	88	26	after	after	ADP
fsr-3899	88	27	40	40	NUM
fsr-3899	88	28	loan	loan	NOUN
fsr-3899	88	29	payments	payment	NOUN
fsr-3899	88	30	,	,	PUNCT
fsr-3899	88	31	to	to	PART
fsr-3899	88	32	compute	compute	VERB
fsr-3899	88	33	to	to	ADP
fsr-3899	88	34	a	a	DET
fsr-3899	88	35	zero	zero	NUM
fsr-3899	88	36	value	value	NOUN
fsr-3899	88	37	.	.	PUNCT
fsr-3899	89	1	see	see	VERB
fsr-3899	89	2	table	table	NOUN
fsr-3899	89	3	2	2	NUM
fsr-3899	89	4	.	.	PUNCT
fsr-3899	90	1	the	the	DET
fsr-3899	90	2	cash	cash	NOUN
fsr-3899	90	3	flow	flow	NOUN
fsr-3899	90	4	goal	goal	NOUN
fsr-3899	90	5	seek	seek	VERB
fsr-3899	90	6	methodology	methodology	NOUN
fsr-3899	90	7	enhances	enhance	NOUN
fsr-3899	90	8	learning	learn	VERB
fsr-3899	90	9	because	because	SCONJ
fsr-3899	90	10	the	the	DET
fsr-3899	90	11	student	student	NOUN
fsr-3899	90	12	can	can	AUX
fsr-3899	90	13	literally	literally	ADV
fsr-3899	90	14	see	see	VERB
fsr-3899	90	15	(	(	PUNCT
fsr-3899	90	16	on	on	ADP
fsr-3899	90	17	the	the	DET
fsr-3899	90	18	monitor	monitor	NOUN
fsr-3899	90	19	or	or	CCONJ
fsr-3899	90	20	on	on	ADP
fsr-3899	90	21	a	a	DET
fsr-3899	90	22	printed	print	VERB
fsr-3899	90	23	hard	hard	ADJ
fsr-3899	90	24	copy	copy	NOUN
fsr-3899	90	25	)	)	PUNCT
fsr-3899	90	26	exactly	exactly	ADV
fsr-3899	90	27	how	how	SCONJ
fsr-3899	90	28	the	the	DET
fsr-3899	90	29	cash	cash	NOUN
fsr-3899	90	30	flows	flow	VERB
fsr-3899	90	31	from	from	ADP
fsr-3899	90	32	him	he	PRON
fsr-3899	90	33	/	/	SYM
fsr-3899	90	34	herself	herself	PRON
fsr-3899	90	35	to	to	ADP
fsr-3899	90	36	the	the	DET
fsr-3899	90	37	lender	lender	NOUN
fsr-3899	90	38	(	(	PUNCT
fsr-3899	90	39	or	or	CCONJ
fsr-3899	90	40	how	how	SCONJ
fsr-3899	90	41	a	a	DET
fsr-3899	90	42	retirement	retirement	NOUN
fsr-3899	90	43	fund	fund	NOUN
fsr-3899	90	44	is	be	AUX
fsr-3899	90	45	accumulated	accumulate	VERB
fsr-3899	90	46	and	and	CCONJ
fsr-3899	90	47	liquidated	liquidate	VERB
fsr-3899	90	48	)	)	PUNCT
fsr-3899	90	49	.	.	PUNCT
fsr-3899	91	1	the	the	DET
fsr-3899	91	2	student	student	NOUN
fsr-3899	91	3	can	can	AUX
fsr-3899	91	4	see	see	VERB
fsr-3899	91	5	the	the	DET
fsr-3899	91	6	interest	interest	NOUN
fsr-3899	91	7	expense	expense	NOUN
fsr-3899	91	8	(	(	PUNCT
fsr-3899	91	9	or	or	CCONJ
fsr-3899	91	10	earnings	earning	NOUN
fsr-3899	91	11	)	)	PUNCT
fsr-3899	91	12	;	;	PUNCT
fsr-3899	91	13	the	the	DET
fsr-3899	91	14	student	student	NOUN
fsr-3899	91	15	can	can	AUX
fsr-3899	91	16	see	see	VERB
fsr-3899	91	17	the	the	DET
fsr-3899	91	18	loan	loan	NOUN
fsr-3899	91	19	balance	balance	NOUN
fsr-3899	91	20	declining	decline	VERB
fsr-3899	91	21	to	to	ADP
fsr-3899	91	22	zero	zero	NUM
fsr-3899	91	23	over	over	ADP
fsr-3899	91	24	the	the	DET
fsr-3899	91	25	life	life	NOUN
fsr-3899	91	26	of	of	ADP
fsr-3899	91	27	the	the	DET
fsr-3899	91	28	loan	loan	NOUN
fsr-3899	91	29	(	(	PUNCT
fsr-3899	91	30	or	or	CCONJ
fsr-3899	91	31	the	the	DET
fsr-3899	91	32	retirement	retirement	NOUN
fsr-3899	91	33	fund	fund	NOUN
fsr-3899	91	34	balance	balance	NOUN
fsr-3899	91	35	maximizing	maximize	VERB
fsr-3899	91	36	at	at	ADP
fsr-3899	91	37	retirement	retirement	NOUN
fsr-3899	91	38	before	before	ADP
fsr-3899	91	39	declining	decline	VERB
fsr-3899	91	40	to	to	ADP
fsr-3899	91	41	zero	zero	NUM
fsr-3899	91	42	at	at	ADP
fsr-3899	91	43	the	the	DET
fsr-3899	91	44	end	end	NOUN
fsr-3899	91	45	of	of	ADP
fsr-3899	91	46	the	the	DET
fsr-3899	91	47	retirement	retirement	NOUN
fsr-3899	91	48	period	period	NOUN
fsr-3899	91	49	)	)	PUNCT
fsr-3899	91	50	.	.	PUNCT
fsr-3899	92	1	the	the	DET
fsr-3899	92	2	process	process	NOUN
fsr-3899	92	3	of	of	ADP
fsr-3899	92	4	writing	write	VERB
fsr-3899	92	5	the	the	DET
fsr-3899	92	6	equations	equation	NOUN
fsr-3899	92	7	,	,	PUNCT
fsr-3899	92	8	targeting	target	VERB
fsr-3899	92	9	the	the	DET
fsr-3899	92	10	ending	end	VERB
fsr-3899	92	11	loan	loan	NOUN
fsr-3899	92	12	balance	balance	NOUN
fsr-3899	92	13	to	to	ADP
fsr-3899	92	14	zero	zero	NUM
fsr-3899	92	15	,	,	PUNCT
fsr-3899	92	16	and	and	CCONJ
fsr-3899	92	17	using	use	VERB
fsr-3899	92	18	first	first	ADJ
fsr-3899	92	19	trial	trial	NOUN
fsr-3899	92	20	-	-	PUNCT
fsr-3899	92	21	and	and	CCONJ
fsr-3899	92	22	-	-	PUNCT
fsr-3899	92	23	error	error	NOUN
fsr-3899	92	24	and	and	CCONJ
fsr-3899	92	25	then	then	ADV
fsr-3899	92	26	goal	goal	NOUN
fsr-3899	92	27	seek	seek	VERB
fsr-3899	92	28	allows	allow	VERB
fsr-3899	92	29	most	most	ADJ
fsr-3899	92	30	students	student	NOUN
fsr-3899	92	31	to	to	PART
fsr-3899	92	32	quickly	quickly	ADV
fsr-3899	92	33	conceptualize	conceptualize	VERB
fsr-3899	92	34	what	what	PRON
fsr-3899	92	35	,	,	PUNCT
fsr-3899	92	36	for	for	ADP
fsr-3899	92	37	many	many	ADJ
fsr-3899	92	38	,	,	PUNCT
fsr-3899	92	39	have	have	AUX
fsr-3899	92	40	been	be	AUX
fsr-3899	92	41	difficult	difficult	ADJ
fsr-3899	92	42	concepts	concept	NOUN
fsr-3899	92	43	to	to	PART
fsr-3899	92	44	comprehend	comprehend	VERB
fsr-3899	92	45	.	.	PUNCT
fsr-3899	93	1	this	this	PRON
fsr-3899	93	2	is	be	AUX
fsr-3899	93	3	actually	actually	ADV
fsr-3899	93	4	much	much	ADV
fsr-3899	93	5	easier	easy	ADJ
fsr-3899	93	6	to	to	PART
fsr-3899	93	7	do	do	VERB
fsr-3899	93	8	in	in	ADP
fsr-3899	93	9	real	real	ADJ
fsr-3899	93	10	time	time	NOUN
fsr-3899	93	11	in	in	ADP
fsr-3899	93	12	a	a	DET
fsr-3899	93	13	classroom	classroom	NOUN
fsr-3899	93	14	than	than	SCONJ
fsr-3899	93	15	it	it	PRON
fsr-3899	93	16	is	be	AUX
fsr-3899	93	17	to	to	PART
fsr-3899	93	18	explain	explain	VERB
fsr-3899	93	19	in	in	ADP
fsr-3899	93	20	words	word	NOUN
fsr-3899	93	21	.	.	PUNCT
fsr-3899	94	1	working	work	VERB
fsr-3899	94	2	live	live	ADV
fsr-3899	94	3	in	in	ADP
fsr-3899	94	4	a	a	DET
fsr-3899	94	5	classroom	classroom	NOUN
fsr-3899	94	6	with	with	ADP
fsr-3899	94	7	a	a	DET
fsr-3899	94	8	computer	computer	NOUN
fsr-3899	94	9	overhead	overhead	NOUN
fsr-3899	94	10	display	display	NOUN
fsr-3899	94	11	and	and	CCONJ
fsr-3899	94	12	a	a	DET
fsr-3899	94	13	blank	blank	ADJ
fsr-3899	94	14	excel	excel	NOUN
fsr-3899	94	15	spreadsheet	spreadsheet	NOUN
fsr-3899	94	16	,	,	PUNCT
fsr-3899	94	17	this	this	DET
fsr-3899	94	18	problem	problem	NOUN
fsr-3899	94	19	can	can	AUX
fsr-3899	94	20	be	be	AUX
fsr-3899	94	21	set	set	VERB
fsr-3899	94	22	up	up	ADP
fsr-3899	94	23	and	and	CCONJ
fsr-3899	94	24	solved	solve	VERB
fsr-3899	94	25	in	in	ADP
fsr-3899	94	26	about	about	ADV
fsr-3899	94	27	three	three	NUM
fsr-3899	94	28	minutes	minute	NOUN
fsr-3899	94	29	.	.	PUNCT
fsr-3899	95	1	if	if	SCONJ
fsr-3899	95	2	you	you	PRON
fsr-3899	95	3	have	have	VERB
fsr-3899	95	4	access	access	NOUN
fsr-3899	95	5	to	to	ADP
fsr-3899	95	6	a	a	DET
fsr-3899	95	7	computer	computer	NOUN
fsr-3899	95	8	lab	lab	NOUN
fsr-3899	95	9	classroom	classroom	NOUN
fsr-3899	95	10	,	,	PUNCT
fsr-3899	95	11	then	then	ADV
fsr-3899	95	12	your	your	PRON
fsr-3899	95	13	students	student	NOUN
fsr-3899	95	14	can	can	AUX
fsr-3899	95	15	work	work	VERB
fsr-3899	95	16	with	with	ADP
fsr-3899	95	17	you	you	PRON
fsr-3899	95	18	.	.	PUNCT
fsr-3899	96	1	early	early	ADV
fsr-3899	96	2	in	in	ADP
fsr-3899	96	3	the	the	DET
fsr-3899	96	4	semester	semester	NOUN
fsr-3899	96	5	the	the	DET
fsr-3899	96	6	time	time	NOUN
fsr-3899	96	7	will	will	AUX
fsr-3899	96	8	increase	increase	VERB
fsr-3899	96	9	to	to	ADP
fsr-3899	96	10	about	about	ADV
fsr-3899	96	11	ten	ten	NUM
fsr-3899	96	12	minutes	minute	NOUN
fsr-3899	96	13	because	because	SCONJ
fsr-3899	96	14	your	your	PRON
fsr-3899	96	15	students	student	NOUN
fsr-3899	96	16	with	with	ADP
fsr-3899	96	17	weak	weak	ADJ
fsr-3899	96	18	spreadsheet	spreadsheet	NOUN
fsr-3899	96	19	skills	skill	NOUN
fsr-3899	96	20	will	will	AUX
fsr-3899	96	21	fig	fig	VERB
fsr-3899	96	22	.	.	PUNCT
fsr-3899	97	1	1	1	X
fsr-3899	97	2	.	.	X
fsr-3899	97	3	setting	set	VERB
fsr-3899	97	4	up	up	ADP
fsr-3899	97	5	goal	goal	NOUN
fsr-3899	97	6	seek	seek	VERB
fsr-3899	97	7	to	to	PART
fsr-3899	97	8	solve	solve	VERB
fsr-3899	97	9	for	for	ADP
fsr-3899	97	10	the	the	DET
fsr-3899	97	11	loan	loan	NOUN
fsr-3899	97	12	payment	payment	NOUN
fsr-3899	97	13	.	.	PUNCT
fsr-3899	98	1	272	272	NUM
fsr-3899	98	2	r.r	r.r	PROPN
fsr-3899	98	3	.	.	PROPN
fsr-3899	98	4	crabb	crabb	PROPN
fsr-3899	98	5	/	/	SYM
fsr-3899	98	6	financial	financial	ADJ
fsr-3899	98	7	services	service	NOUN
fsr-3899	98	8	review	review	VERB
fsr-3899	98	9	8	8	NUM
fsr-3899	98	10	(	(	PUNCT
fsr-3899	98	11	1999	1999	NUM
fsr-3899	98	12	)	)	PUNCT
fsr-3899	98	13	269–282	269–282	NUM
fsr-3899	98	14	make	make	VERB
fsr-3899	98	15	typos	typo	NOUN
fsr-3899	98	16	,	,	PUNCT
fsr-3899	98	17	formulae	formulae	ADJ
fsr-3899	98	18	errors	error	NOUN
fsr-3899	98	19	,	,	PUNCT
fsr-3899	98	20	and	and	CCONJ
fsr-3899	98	21	copy	copy	NOUN
fsr-3899	98	22	-	-	PUNCT
fsr-3899	98	23	down	down	ADP
fsr-3899	98	24	errors	error	NOUN
fsr-3899	98	25	.	.	PUNCT
fsr-3899	99	1	over	over	ADP
fsr-3899	99	2	the	the	DET
fsr-3899	99	3	course	course	NOUN
fsr-3899	99	4	of	of	ADP
fsr-3899	99	5	the	the	DET
fsr-3899	99	6	semester	semester	NOUN
fsr-3899	99	7	most	most	ADJ
fsr-3899	99	8	of	of	ADP
fsr-3899	99	9	your	your	PRON
fsr-3899	99	10	students	student	NOUN
fsr-3899	99	11	will	will	AUX
fsr-3899	99	12	become	become	VERB
fsr-3899	99	13	proficient	proficient	ADJ
fsr-3899	99	14	spreadsheet	spreadsheet	NOUN
fsr-3899	99	15	users	user	NOUN
fsr-3899	99	16	as	as	SCONJ
fsr-3899	99	17	they	they	PRON
fsr-3899	99	18	master	master	VERB
fsr-3899	99	19	personal	personal	ADJ
fsr-3899	99	20	finance	finance	NOUN
fsr-3899	99	21	problem	problem	NOUN
fsr-3899	99	22	solving	solving	NOUN
fsr-3899	99	23	skills	skill	NOUN
fsr-3899	99	24	and	and	CCONJ
fsr-3899	99	25	learn	learn	VERB
fsr-3899	99	26	personal	personal	ADJ
fsr-3899	99	27	finance	finance	NOUN
fsr-3899	99	28	concepts	concept	NOUN
fsr-3899	99	29	.	.	PUNCT
fsr-3899	100	1	whether	whether	SCONJ
fsr-3899	100	2	you	you	PRON
fsr-3899	100	3	work	work	VERB
fsr-3899	100	4	with	with	ADP
fsr-3899	100	5	your	your	PRON
fsr-3899	100	6	fig	fig	NOUN
fsr-3899	100	7	.	.	PUNCT
fsr-3899	101	1	2	2	X
fsr-3899	101	2	.	.	X
fsr-3899	101	3	the	the	DET
fsr-3899	101	4	constant	constant	ADJ
fsr-3899	101	5	dollar	dollar	NOUN
fsr-3899	101	6	spreadsheet	spreadsheet	NOUN
fsr-3899	101	7	and	and	CCONJ
fsr-3899	101	8	solver	solver	PROPN
fsr-3899	101	9	parameters	parameter	NOUN
fsr-3899	101	10	.	.	PUNCT
fsr-3899	102	1	table	table	NOUN
fsr-3899	102	2	2	2	NUM
fsr-3899	102	3	the	the	DET
fsr-3899	102	4	goal	goal	NOUN
fsr-3899	102	5	seek	seek	VERB
fsr-3899	102	6	solution	solution	NOUN
fsr-3899	102	7	to	to	ADP
fsr-3899	102	8	the	the	DET
fsr-3899	102	9	student	student	NOUN
fsr-3899	102	10	loan	loan	NOUN
fsr-3899	102	11	problem	problem	NOUN
fsr-3899	102	12	a	a	DET
fsr-3899	102	13	b	b	NOUN
fsr-3899	102	14	c	c	NOUN
fsr-3899	102	15	d	d	X
fsr-3899	102	16	e	e	PROPN
fsr-3899	102	17	f	f	PROPN
fsr-3899	102	18	g	g	PROPN
fsr-3899	102	19	1	1	NUM
fsr-3899	102	20	time	time	NOUN
fsr-3899	102	21	period	period	NOUN
fsr-3899	102	22	loan	loan	NOUN
fsr-3899	102	23	amount	amount	NOUN
fsr-3899	102	24	(	(	PUNCT
fsr-3899	102	25	boq	boq	NOUN
fsr-3899	102	26	)	)	PUNCT
fsr-3899	102	27	interest	interest	NOUN
fsr-3899	102	28	expense	expense	NOUN
fsr-3899	102	29	loan	loan	NOUN
fsr-3899	102	30	payment	payment	NOUN
fsr-3899	102	31	loan	loan	NOUN
fsr-3899	102	32	amount	amount	NOUN
fsr-3899	102	33	(	(	PUNCT
fsr-3899	102	34	eoq	eoq	NOUN
fsr-3899	102	35	)	)	PUNCT
fsr-3899	102	36	pvifs	pvifs	NOUN
fsr-3899	102	37	2	2	NUM
fsr-3899	102	38	1	1	NUM
fsr-3899	102	39	$	$	SYM
fsr-3899	102	40	10,000.00	10,000.00	NUM
fsr-3899	102	41	$	$	SYM
fsr-3899	102	42	187.50	187.50	NUM
fsr-3899	102	43	$	$	SYM
fsr-3899	102	44	364.83	364.83	NUM
fsr-3899	102	45	$	$	SYM
fsr-3899	102	46	9,822.67	9,822.67	NUM
fsr-3899	102	47	0.9816	0.9816	NUM
fsr-3899	102	48	35	35	NUM
fsr-3899	102	49	34	34	NUM
fsr-3899	102	50	$	$	SYM
fsr-3899	102	51	2,355.51	2,355.51	NUM
fsr-3899	102	52	$	$	SYM
fsr-3899	102	53	48.58	48.58	NUM
fsr-3899	102	54	$	$	SYM
fsr-3899	102	55	364.83	364.83	NUM
fsr-3899	102	56	$	$	SYM
fsr-3899	102	57	2,039.27	2,039.27	NUM
fsr-3899	102	58	0.5069	0.5069	NUM
fsr-3899	102	59	36	36	NUM
fsr-3899	102	60	35	35	NUM
fsr-3899	102	61	$	$	SYM
fsr-3899	102	62	2,039.27	2,039.27	NUM
fsr-3899	102	63	$	$	SYM
fsr-3899	102	64	42.06	42.06	NUM
fsr-3899	102	65	$	$	SYM
fsr-3899	102	66	364.83	364.83	NUM
fsr-3899	102	67	$	$	SYM
fsr-3899	102	68	1,716.50	1,716.50	NUM
fsr-3899	102	69	0.4967	0.4967	NUM
fsr-3899	102	70	37	37	NUM
fsr-3899	102	71	36	36	NUM
fsr-3899	102	72	$	$	SYM
fsr-3899	102	73	1,716.50	1,716.50	NUM
fsr-3899	102	74	$	$	SYM
fsr-3899	102	75	35.40	35.40	NUM
fsr-3899	102	76	$	$	SYM
fsr-3899	102	77	364.83	364.83	NUM
fsr-3899	102	78	$	$	SYM
fsr-3899	102	79	1,387.07	1,387.07	NUM
fsr-3899	102	80	0.4866	0.4866	NUM
fsr-3899	102	81	38	38	NUM
fsr-3899	102	82	37	37	NUM
fsr-3899	102	83	$	$	SYM
fsr-3899	102	84	1,387.07	1,387.07	NUM
fsr-3899	102	85	$	$	SYM
fsr-3899	102	86	28.61	28.61	NUM
fsr-3899	102	87	$	$	SYM
fsr-3899	102	88	364.83	364.83	NUM
fsr-3899	102	89	$	$	SYM
fsr-3899	102	90	1,050.85	1,050.85	NUM
fsr-3899	102	91	0.4768	0.4768	NUM
fsr-3899	102	92	39	39	NUM
fsr-3899	102	93	38	38	NUM
fsr-3899	102	94	$	$	SYM
fsr-3899	102	95	1,050.85	1,050.85	NUM
fsr-3899	102	96	$	$	SYM
fsr-3899	102	97	21.67	21.67	NUM
fsr-3899	102	98	$	$	SYM
fsr-3899	102	99	364.83	364.83	NUM
fsr-3899	102	100	$	$	SYM
fsr-3899	102	101	707.69	707.69	NUM
fsr-3899	102	102	0.4672	0.4672	NUM
fsr-3899	102	103	40	40	NUM
fsr-3899	102	104	39	39	NUM
fsr-3899	102	105	$	$	SYM
fsr-3899	102	106	707.69	707.69	NUM
fsr-3899	102	107	$	$	SYM
fsr-3899	102	108	14.60	14.60	NUM
fsr-3899	102	109	$	$	SYM
fsr-3899	102	110	364.83	364.83	NUM
fsr-3899	102	111	$	$	SYM
fsr-3899	102	112	357.46	357.46	NUM
fsr-3899	102	113	0.4577	0.4577	NUM
fsr-3899	102	114	41	41	NUM
fsr-3899	102	115	40	40	NUM
fsr-3899	102	116	$	$	SYM
fsr-3899	102	117	357.46	357.46	NUM
fsr-3899	102	118	$	$	SYM
fsr-3899	102	119	7.37	7.37	NUM
fsr-3899	102	120	$	$	SYM
fsr-3899	102	121	364.83	364.83	NUM
fsr-3899	102	122	$	$	SYM
fsr-3899	102	123	2	2	NUM
fsr-3899	102	124	0.4485	0.4485	NUM
fsr-3899	102	125	42	42	NUM
fsr-3899	102	126	41	41	NUM
fsr-3899	102	127	pvifa	pvifa	NOUN
fsr-3899	102	128	is	be	AUX
fsr-3899	102	129	5	5	NUM
fsr-3899	102	130	27.4100	27.4100	NUM
fsr-3899	102	131	43	43	NUM
fsr-3899	102	132	42	42	NUM
fsr-3899	102	133	payment	payment	NOUN
fsr-3899	102	134	is	be	AUX
fsr-3899	102	135	5	5	NUM
fsr-3899	102	136	$	$	SYM
fsr-3899	102	137	364.83	364.83	NUM
fsr-3899	102	138	273r.r	273r.r	NUM
fsr-3899	102	139	.	.	PUNCT
fsr-3899	103	1	crabb	crabb	PROPN
fsr-3899	103	2	/	/	SYM
fsr-3899	103	3	financial	financial	ADJ
fsr-3899	103	4	services	service	NOUN
fsr-3899	103	5	review	review	VERB
fsr-3899	103	6	8	8	NUM
fsr-3899	103	7	(	(	PUNCT
fsr-3899	103	8	1999	1999	NUM
fsr-3899	103	9	)	)	PUNCT
fsr-3899	103	10	269–282	269–282	NUM
fsr-3899	103	11	students	student	NOUN
fsr-3899	103	12	and	and	CCONJ
fsr-3899	103	13	they	they	PRON
fsr-3899	103	14	get	get	VERB
fsr-3899	103	15	instant	instant	ADJ
fsr-3899	103	16	feedback	feedback	NOUN
fsr-3899	103	17	in	in	ADP
fsr-3899	103	18	a	a	DET
fsr-3899	103	19	lab	lab	NOUN
fsr-3899	103	20	or	or	CCONJ
fsr-3899	103	21	delayed	delay	VERB
fsr-3899	103	22	feedback	feedback	NOUN
fsr-3899	103	23	when	when	SCONJ
fsr-3899	103	24	working	work	VERB
fsr-3899	103	25	on	on	ADP
fsr-3899	103	26	their	their	PRON
fsr-3899	103	27	own	own	ADJ
fsr-3899	103	28	after	after	ADP
fsr-3899	103	29	class	class	NOUN
fsr-3899	103	30	,	,	PUNCT
fsr-3899	103	31	most	most	ADJ
fsr-3899	103	32	students	student	NOUN
fsr-3899	103	33	find	find	VERB
fsr-3899	103	34	the	the	DET
fsr-3899	103	35	cash	cash	NOUN
fsr-3899	103	36	flow	flow	NOUN
fsr-3899	103	37	goal	goal	NOUN
fsr-3899	103	38	seek	seek	VERB
fsr-3899	103	39	methodology	methodology	NOUN
fsr-3899	103	40	easy	easy	ADJ
fsr-3899	103	41	to	to	PART
fsr-3899	103	42	understand	understand	VERB
fsr-3899	103	43	.	.	PUNCT
fsr-3899	104	1	a	a	DET
fsr-3899	104	2	number	number	NOUN
fsr-3899	104	3	of	of	ADP
fsr-3899	104	4	my	my	PRON
fsr-3899	104	5	brighter	bright	ADJ
fsr-3899	104	6	students	student	NOUN
fsr-3899	104	7	have	have	AUX
fsr-3899	104	8	told	tell	VERB
fsr-3899	104	9	me	i	PRON
fsr-3899	104	10	that	that	SCONJ
fsr-3899	104	11	“	"	PUNCT
fsr-3899	104	12	this	this	PRON
fsr-3899	104	13	is	be	AUX
fsr-3899	104	14	like	like	ADP
fsr-3899	104	15	cheating	cheat	VERB
fsr-3899	104	16	.	.	PUNCT
fsr-3899	105	1	we	we	PRON
fsr-3899	105	2	’re	’re	AUX
fsr-3899	105	3	not	not	PART
fsr-3899	105	4	using	use	VERB
fsr-3899	105	5	the	the	DET
fsr-3899	105	6	interest	interest	NOUN
fsr-3899	105	7	factors	factor	NOUN
fsr-3899	105	8	we	we	PRON
fsr-3899	105	9	learned	learn	VERB
fsr-3899	105	10	in	in	ADP
fsr-3899	105	11	basic	basic	ADJ
fsr-3899	105	12	finance	finance	NOUN
fsr-3899	105	13	.	.	PUNCT
fsr-3899	105	14	”	"	PUNCT
fsr-3899	106	1	while	while	SCONJ
fsr-3899	106	2	the	the	DET
fsr-3899	106	3	methodology	methodology	NOUN
fsr-3899	106	4	is	be	AUX
fsr-3899	106	5	so	so	ADV
fsr-3899	106	6	simple	simple	ADJ
fsr-3899	106	7	that	that	SCONJ
fsr-3899	106	8	it	it	PRON
fsr-3899	106	9	may	may	AUX
fsr-3899	106	10	seem	seem	VERB
fsr-3899	106	11	like	like	ADP
fsr-3899	106	12	cheating	cheat	VERB
fsr-3899	106	13	,	,	PUNCT
fsr-3899	106	14	it	it	PRON
fsr-3899	106	15	is	be	AUX
fsr-3899	106	16	just	just	ADV
fsr-3899	106	17	a	a	DET
fsr-3899	106	18	different	different	ADJ
fsr-3899	106	19	way	way	NOUN
fsr-3899	106	20	of	of	ADP
fsr-3899	106	21	solving	solve	VERB
fsr-3899	106	22	the	the	DET
fsr-3899	106	23	loan	loan	NOUN
fsr-3899	106	24	amortization	amortization	NOUN
fsr-3899	106	25	problem	problem	NOUN
fsr-3899	106	26	.	.	PUNCT
fsr-3899	107	1	the	the	DET
fsr-3899	107	2	simplicity	simplicity	NOUN
fsr-3899	107	3	of	of	ADP
fsr-3899	107	4	the	the	DET
fsr-3899	107	5	cash	cash	NOUN
fsr-3899	107	6	flow	flow	NOUN
fsr-3899	107	7	methodology	methodology	NOUN
fsr-3899	107	8	coupled	couple	VERB
fsr-3899	107	9	with	with	ADP
fsr-3899	107	10	the	the	DET
fsr-3899	107	11	process	process	NOUN
fsr-3899	107	12	of	of	ADP
fsr-3899	107	13	writing	write	VERB
fsr-3899	107	14	the	the	DET
fsr-3899	107	15	cash	cash	NOUN
fsr-3899	107	16	flow	flow	NOUN
fsr-3899	107	17	equations	equation	NOUN
fsr-3899	107	18	,	,	PUNCT
fsr-3899	107	19	targeting	target	VERB
fsr-3899	107	20	the	the	DET
fsr-3899	107	21	ending	end	VERB
fsr-3899	107	22	loan	loan	NOUN
fsr-3899	107	23	balance	balance	NOUN
fsr-3899	107	24	to	to	ADP
fsr-3899	107	25	zero	zero	NUM
fsr-3899	107	26	,	,	PUNCT
fsr-3899	107	27	solving	solve	VERB
fsr-3899	107	28	the	the	DET
fsr-3899	107	29	problem	problem	NOUN
fsr-3899	107	30	with	with	ADP
fsr-3899	107	31	goal	goal	NOUN
fsr-3899	107	32	seek	seek	VERB
fsr-3899	107	33	,	,	PUNCT
fsr-3899	107	34	and	and	CCONJ
fsr-3899	107	35	examining	examine	VERB
fsr-3899	107	36	the	the	DET
fsr-3899	107	37	spreadsheet	spreadsheet	NOUN
fsr-3899	107	38	solution	solution	NOUN
fsr-3899	107	39	for	for	ADP
fsr-3899	107	40	logical	logical	ADJ
fsr-3899	107	41	consistency	consistency	NOUN
fsr-3899	107	42	(	(	PUNCT
fsr-3899	107	43	no	no	DET
fsr-3899	107	44	equations	equation	NOUN
fsr-3899	107	45	errors	error	NOUN
fsr-3899	107	46	et	et	PROPN
fsr-3899	107	47	al	al	PROPN
fsr-3899	107	48	.	.	PUNCT
fsr-3899	107	49	)	)	PUNCT
fsr-3899	108	1	imprints	imprint	VERB
fsr-3899	108	2	the	the	DET
fsr-3899	108	3	amortization	amortization	NOUN
fsr-3899	108	4	process	process	NOUN
fsr-3899	108	5	in	in	ADP
fsr-3899	108	6	the	the	DET
fsr-3899	108	7	minds	mind	NOUN
fsr-3899	108	8	of	of	ADP
fsr-3899	108	9	most	most	ADJ
fsr-3899	108	10	students	student	NOUN
fsr-3899	108	11	.	.	PUNCT
fsr-3899	109	1	the	the	DET
fsr-3899	109	2	real	real	ADJ
fsr-3899	109	3	issue	issue	NOUN
fsr-3899	109	4	is	be	AUX
fsr-3899	109	5	understanding	understanding	NOUN
fsr-3899	109	6	,	,	PUNCT
fsr-3899	109	7	not	not	PART
fsr-3899	109	8	methodology	methodology	NOUN
fsr-3899	109	9	,	,	PUNCT
fsr-3899	109	10	not	not	PART
fsr-3899	109	11	machinery	machinery	NOUN
fsr-3899	109	12	.	.	PUNCT
fsr-3899	110	1	from	from	ADP
fsr-3899	110	2	an	an	DET
fsr-3899	110	3	instructional	instructional	ADJ
fsr-3899	110	4	standpoint	standpoint	NOUN
fsr-3899	110	5	,	,	PUNCT
fsr-3899	110	6	the	the	DET
fsr-3899	110	7	important	important	ADJ
fsr-3899	110	8	questions	question	NOUN
fsr-3899	110	9	are	be	AUX
fsr-3899	110	10	:	:	PUNCT
fsr-3899	110	11	1	1	X
fsr-3899	110	12	.	.	X
fsr-3899	110	13	do	do	AUX
fsr-3899	110	14	students	student	NOUN
fsr-3899	110	15	understand	understand	VERB
fsr-3899	110	16	the	the	DET
fsr-3899	110	17	loan	loan	NOUN
fsr-3899	110	18	amortization	amortization	NOUN
fsr-3899	110	19	process	process	NOUN
fsr-3899	110	20	;	;	PUNCT
fsr-3899	110	21	2	2	X
fsr-3899	110	22	.	.	X
fsr-3899	110	23	can	can	AUX
fsr-3899	110	24	students	student	NOUN
fsr-3899	110	25	determine	determine	VERB
fsr-3899	110	26	the	the	DET
fsr-3899	110	27	size	size	NOUN
fsr-3899	110	28	of	of	ADP
fsr-3899	110	29	a	a	DET
fsr-3899	110	30	loan	loan	NOUN
fsr-3899	110	31	payment	payment	NOUN
fsr-3899	110	32	;	;	PUNCT
fsr-3899	110	33	and	and	CCONJ
fsr-3899	110	34	3	3	X
fsr-3899	110	35	.	.	X
fsr-3899	110	36	can	can	AUX
fsr-3899	110	37	these	these	DET
fsr-3899	110	38	concepts	concept	NOUN
fsr-3899	110	39	quickly	quickly	ADV
fsr-3899	110	40	and	and	CCONJ
fsr-3899	110	41	easily	easily	ADV
fsr-3899	110	42	become	become	VERB
fsr-3899	110	43	integral	integral	ADJ
fsr-3899	110	44	parts	part	NOUN
fsr-3899	110	45	of	of	ADP
fsr-3899	110	46	the	the	DET
fsr-3899	110	47	student	student	NOUN
fsr-3899	110	48	’s	’s	PART
fsr-3899	110	49	knowledge	knowledge	NOUN
fsr-3899	110	50	base	base	NOUN
fsr-3899	110	51	?	?	PUNCT
fsr-3899	111	1	for	for	ADP
fsr-3899	111	2	most	most	ADJ
fsr-3899	111	3	students	student	NOUN
fsr-3899	111	4	,	,	PUNCT
fsr-3899	111	5	the	the	DET
fsr-3899	111	6	cash	cash	NOUN
fsr-3899	111	7	flow	flow	NOUN
fsr-3899	111	8	goal	goal	NOUN
fsr-3899	111	9	seek	seek	VERB
fsr-3899	111	10	methodology	methodology	NOUN
fsr-3899	111	11	enables	enable	VERB
fsr-3899	111	12	students	student	NOUN
fsr-3899	111	13	to	to	PART
fsr-3899	111	14	answer	answer	VERB
fsr-3899	111	15	“	"	PUNCT
fsr-3899	111	16	yes	yes	INTJ
fsr-3899	111	17	.	.	PUNCT
fsr-3899	111	18	”	"	PUNCT
fsr-3899	112	1	to	to	ADP
fsr-3899	112	2	the	the	DET
fsr-3899	112	3	above	above	ADJ
fsr-3899	112	4	three	three	NUM
fsr-3899	112	5	questions	question	NOUN
fsr-3899	112	6	.	.	PUNCT
fsr-3899	113	1	the	the	DET
fsr-3899	113	2	cash	cash	NOUN
fsr-3899	113	3	flow	flow	NOUN
fsr-3899	113	4	goal	goal	NOUN
fsr-3899	113	5	seek	seek	VERB
fsr-3899	113	6	methodology	methodology	NOUN
fsr-3899	113	7	has	have	VERB
fsr-3899	113	8	four	four	NUM
fsr-3899	113	9	major	major	ADJ
fsr-3899	113	10	advantages	advantage	NOUN
fsr-3899	113	11	over	over	ADP
fsr-3899	113	12	the	the	DET
fsr-3899	113	13	two	two	NUM
fsr-3899	113	14	traditional	traditional	ADJ
fsr-3899	113	15	approaches	approach	NOUN
fsr-3899	113	16	(	(	PUNCT
fsr-3899	113	17	using	use	VERB
fsr-3899	113	18	a	a	DET
fsr-3899	113	19	financial	financial	ADJ
fsr-3899	113	20	calculator	calculator	NOUN
fsr-3899	113	21	or	or	CCONJ
fsr-3899	113	22	using	use	VERB
fsr-3899	113	23	pvifa	pvifa	NOUN
fsr-3899	113	24	tables	table	NOUN
fsr-3899	113	25	and	and	CCONJ
fsr-3899	113	26	a	a	DET
fsr-3899	113	27	simple	simple	ADJ
fsr-3899	113	28	calculator	calculator	NOUN
fsr-3899	113	29	)	)	PUNCT
fsr-3899	113	30	to	to	ADP
fsr-3899	113	31	finding	find	VERB
fsr-3899	113	32	loan	loan	NOUN
fsr-3899	113	33	payments	payment	NOUN
fsr-3899	113	34	amounts	amount	NOUN
fsr-3899	113	35	.	.	PUNCT
fsr-3899	114	1	first	first	ADV
fsr-3899	114	2	,	,	PUNCT
fsr-3899	114	3	the	the	DET
fsr-3899	114	4	entire	entire	ADJ
fsr-3899	114	5	process	process	NOUN
fsr-3899	114	6	of	of	ADP
fsr-3899	114	7	creating	create	VERB
fsr-3899	114	8	the	the	DET
fsr-3899	114	9	cash	cash	NOUN
fsr-3899	114	10	flow	flow	NOUN
fsr-3899	114	11	spreadsheet	spreadsheet	NOUN
fsr-3899	114	12	allows	allow	VERB
fsr-3899	114	13	students	student	NOUN
fsr-3899	114	14	to	to	PART
fsr-3899	114	15	visualize	visualize	VERB
fsr-3899	114	16	and	and	CCONJ
fsr-3899	114	17	understand	understand	VERB
fsr-3899	114	18	exactly	exactly	ADV
fsr-3899	114	19	how	how	SCONJ
fsr-3899	114	20	the	the	DET
fsr-3899	114	21	loan	loan	NOUN
fsr-3899	114	22	amortization	amortization	NOUN
fsr-3899	114	23	process	process	NOUN
fsr-3899	114	24	works	work	VERB
fsr-3899	114	25	.	.	PUNCT
fsr-3899	115	1	second	second	ADV
fsr-3899	115	2	,	,	PUNCT
fsr-3899	115	3	the	the	DET
fsr-3899	115	4	process	process	NOUN
fsr-3899	115	5	of	of	ADP
fsr-3899	115	6	checking	check	VERB
fsr-3899	115	7	the	the	DET
fsr-3899	115	8	spreadsheet	spreadsheet	NOUN
fsr-3899	115	9	for	for	ADP
fsr-3899	115	10	errors	error	NOUN
fsr-3899	115	11	forces	force	NOUN
fsr-3899	115	12	students	student	NOUN
fsr-3899	115	13	to	to	PART
fsr-3899	115	14	think	think	VERB
fsr-3899	115	15	about	about	ADP
fsr-3899	115	16	the	the	DET
fsr-3899	115	17	relationships	relationship	NOUN
fsr-3899	115	18	that	that	PRON
fsr-3899	115	19	must	must	AUX
fsr-3899	115	20	exist	exist	VERB
fsr-3899	115	21	in	in	ADP
fsr-3899	115	22	a	a	DET
fsr-3899	115	23	properly	properly	ADV
fsr-3899	115	24	created	create	VERB
fsr-3899	115	25	amortization	amortization	NOUN
fsr-3899	115	26	table	table	NOUN
fsr-3899	115	27	.	.	PUNCT
fsr-3899	116	1	is	be	AUX
fsr-3899	116	2	the	the	DET
fsr-3899	116	3	loan	loan	NOUN
fsr-3899	116	4	balance	balance	NOUN
fsr-3899	116	5	continuously	continuously	ADV
fsr-3899	116	6	decreasing	decrease	VERB
fsr-3899	116	7	?	?	PUNCT
fsr-3899	117	1	is	be	AUX
fsr-3899	117	2	the	the	DET
fsr-3899	117	3	loan	loan	NOUN
fsr-3899	117	4	balance	balance	NOUN
fsr-3899	117	5	at	at	ADP
fsr-3899	117	6	the	the	DET
fsr-3899	117	7	beginning	beginning	NOUN
fsr-3899	117	8	of	of	ADP
fsr-3899	117	9	one	one	NUM
fsr-3899	117	10	time	time	NOUN
fsr-3899	117	11	period	period	NOUN
fsr-3899	117	12	equal	equal	ADJ
fsr-3899	117	13	to	to	ADP
fsr-3899	117	14	the	the	DET
fsr-3899	117	15	ending	end	VERB
fsr-3899	117	16	loan	loan	NOUN
fsr-3899	117	17	balance	balance	NOUN
fsr-3899	117	18	of	of	ADP
fsr-3899	117	19	the	the	DET
fsr-3899	117	20	prior	prior	ADJ
fsr-3899	117	21	period	period	NOUN
fsr-3899	117	22	?	?	PUNCT
fsr-3899	118	1	is	be	AUX
fsr-3899	118	2	the	the	DET
fsr-3899	118	3	loan	loan	NOUN
fsr-3899	118	4	payment	payment	NOUN
fsr-3899	118	5	amount	amount	NOUN
fsr-3899	118	6	constant	constant	ADJ
fsr-3899	118	7	(	(	PUNCT
fsr-3899	118	8	except	except	SCONJ
fsr-3899	118	9	for	for	ADP
fsr-3899	118	10	the	the	DET
fsr-3899	118	11	last	last	ADJ
fsr-3899	118	12	payment	payment	NOUN
fsr-3899	118	13	if	if	SCONJ
fsr-3899	118	14	using	use	VERB
fsr-3899	118	15	answers	answer	NOUN
fsr-3899	118	16	computed	compute	VERB
fsr-3899	118	17	to	to	ADP
fsr-3899	118	18	the	the	DET
fsr-3899	118	19	nearest	near	ADJ
fsr-3899	118	20	penny	penny	NOUN
fsr-3899	118	21	vis	vis	X
fsr-3899	118	22	-	-	PUNCT
fsr-3899	118	23	a`-vis	a`-vis	ADV
fsr-3899	118	24	using	use	VERB
fsr-3899	118	25	15	15	NUM
fsr-3899	118	26	digit	digit	NOUN
fsr-3899	118	27	goal	goal	NOUN
fsr-3899	118	28	seek	seek	VERB
fsr-3899	118	29	answers	answer	NOUN
fsr-3899	118	30	)	)	PUNCT
fsr-3899	118	31	?	?	PUNCT
fsr-3899	119	1	does	do	AUX
fsr-3899	119	2	the	the	DET
fsr-3899	119	3	interest	interest	NOUN
fsr-3899	119	4	expense	expense	NOUN
fsr-3899	119	5	continuously	continuously	ADV
fsr-3899	119	6	decrease	decrease	VERB
fsr-3899	119	7	as	as	SCONJ
fsr-3899	119	8	the	the	DET
fsr-3899	119	9	loan	loan	NOUN
fsr-3899	119	10	payments	payment	NOUN
fsr-3899	119	11	are	be	AUX
fsr-3899	119	12	made	make	VERB
fsr-3899	119	13	?	?	PUNCT
fsr-3899	120	1	is	be	AUX
fsr-3899	120	2	the	the	DET
fsr-3899	120	3	final	final	ADJ
fsr-3899	120	4	loan	loan	NOUN
fsr-3899	120	5	balance	balance	NOUN
fsr-3899	120	6	equal	equal	ADJ
fsr-3899	120	7	to	to	ADP
fsr-3899	120	8	zero	zero	NUM
fsr-3899	120	9	?	?	PUNCT
fsr-3899	121	1	does	do	VERB
fsr-3899	121	2	the	the	DET
fsr-3899	121	3	sum	sum	NOUN
fsr-3899	121	4	of	of	ADP
fsr-3899	121	5	the	the	DET
fsr-3899	121	6	loan	loan	NOUN
fsr-3899	121	7	payments	payment	NOUN
fsr-3899	121	8	,	,	PUNCT
fsr-3899	121	9	minus	minus	CCONJ
fsr-3899	121	10	the	the	DET
fsr-3899	121	11	sum	sum	NOUN
fsr-3899	121	12	of	of	ADP
fsr-3899	121	13	the	the	DET
fsr-3899	121	14	interest	interest	NOUN
fsr-3899	121	15	expense	expense	NOUN
fsr-3899	121	16	,	,	PUNCT
fsr-3899	121	17	compute	compute	VERB
fsr-3899	121	18	to	to	ADP
fsr-3899	121	19	the	the	DET
fsr-3899	121	20	initial	initial	ADJ
fsr-3899	121	21	loan	loan	NOUN
fsr-3899	121	22	amount	amount	NOUN
fsr-3899	121	23	?	?	PUNCT
fsr-3899	122	1	third	third	ADJ
fsr-3899	122	2	,	,	PUNCT
fsr-3899	122	3	financial	financial	ADJ
fsr-3899	122	4	calculators	calculator	NOUN
fsr-3899	122	5	or	or	CCONJ
fsr-3899	122	6	simple	simple	ADJ
fsr-3899	122	7	calculators	calculator	NOUN
fsr-3899	122	8	and	and	CCONJ
fsr-3899	122	9	pvifa	pvifa	NOUN
fsr-3899	122	10	tables	table	NOUN
fsr-3899	122	11	do	do	VERB
fsr-3899	122	12	little	little	ADJ
fsr-3899	122	13	to	to	PART
fsr-3899	122	14	foster	foster	VERB
fsr-3899	122	15	a	a	DET
fsr-3899	122	16	conceptual	conceptual	ADJ
fsr-3899	122	17	understanding	understanding	NOUN
fsr-3899	122	18	of	of	ADP
fsr-3899	122	19	the	the	DET
fsr-3899	122	20	loan	loan	NOUN
fsr-3899	122	21	amortization	amortization	NOUN
fsr-3899	122	22	process	process	NOUN
fsr-3899	122	23	.	.	PUNCT
fsr-3899	123	1	input	input	VERB
fsr-3899	123	2	some	some	DET
fsr-3899	123	3	numbers	number	NOUN
fsr-3899	123	4	;	;	PUNCT
fsr-3899	123	5	an	an	DET
fsr-3899	123	6	answer	answer	NOUN
fsr-3899	123	7	appears	appear	VERB
fsr-3899	123	8	on	on	ADP
fsr-3899	123	9	the	the	DET
fsr-3899	123	10	display	display	NOUN
fsr-3899	123	11	screen	screen	NOUN
fsr-3899	123	12	.	.	PUNCT
fsr-3899	124	1	the	the	DET
fsr-3899	124	2	purely	purely	ADV
fsr-3899	124	3	mechanical	mechanical	ADJ
fsr-3899	124	4	process	process	NOUN
fsr-3899	124	5	of	of	ADP
fsr-3899	124	6	computing	compute	VERB
fsr-3899	124	7	an	an	DET
fsr-3899	124	8	answer	answer	NOUN
fsr-3899	124	9	using	use	VERB
fsr-3899	124	10	a	a	DET
fsr-3899	124	11	hand	hand	NOUN
fsr-3899	124	12	-	-	PUNCT
fsr-3899	124	13	held	hold	VERB
fsr-3899	124	14	calculator	calculator	NOUN
fsr-3899	124	15	does	do	AUX
fsr-3899	124	16	not	not	PART
fsr-3899	124	17	foster	foster	VERB
fsr-3899	124	18	an	an	DET
fsr-3899	124	19	understanding	understanding	NOUN
fsr-3899	124	20	of	of	ADP
fsr-3899	124	21	the	the	DET
fsr-3899	124	22	loan	loan	NOUN
fsr-3899	124	23	amortization	amortization	NOUN
fsr-3899	124	24	process	process	NOUN
fsr-3899	124	25	.	.	PUNCT
fsr-3899	125	1	fourth	fourth	ADJ
fsr-3899	125	2	,	,	PUNCT
fsr-3899	125	3	not	not	PART
fsr-3899	125	4	only	only	ADV
fsr-3899	125	5	does	do	AUX
fsr-3899	125	6	the	the	DET
fsr-3899	125	7	financial	financial	ADJ
fsr-3899	125	8	calculator	calculator	NOUN
fsr-3899	125	9	not	not	PART
fsr-3899	125	10	provide	provide	VERB
fsr-3899	125	11	any	any	DET
fsr-3899	125	12	insight	insight	NOUN
fsr-3899	125	13	as	as	ADP
fsr-3899	125	14	to	to	ADP
fsr-3899	125	15	how	how	SCONJ
fsr-3899	125	16	the	the	DET
fsr-3899	125	17	loan	loan	NOUN
fsr-3899	125	18	amortization	amortization	NOUN
fsr-3899	125	19	process	process	NOUN
fsr-3899	125	20	works	work	VERB
fsr-3899	125	21	,	,	PUNCT
fsr-3899	125	22	the	the	DET
fsr-3899	125	23	“	"	PUNCT
fsr-3899	125	24	black	black	ADJ
fsr-3899	125	25	box	box	NOUN
fsr-3899	125	26	”	"	PUNCT
fsr-3899	125	27	answer	answer	NOUN
fsr-3899	125	28	is	be	AUX
fsr-3899	125	29	,	,	PUNCT
fsr-3899	125	30	for	for	ADP
fsr-3899	125	31	most	most	ADJ
fsr-3899	125	32	real	real	ADJ
fsr-3899	125	33	world	world	NOUN
fsr-3899	125	34	loan	loan	NOUN
fsr-3899	125	35	problems	problem	NOUN
fsr-3899	125	36	,	,	PUNCT
fsr-3899	125	37	not	not	PART
fsr-3899	125	38	checkable	checkable	ADJ
fsr-3899	125	39	.	.	PUNCT
fsr-3899	126	1	it	it	PRON
fsr-3899	126	2	simply	simply	ADV
fsr-3899	126	3	is	be	AUX
fsr-3899	126	4	not	not	PART
fsr-3899	126	5	feasible	feasible	ADJ
fsr-3899	126	6	to	to	PART
fsr-3899	126	7	create	create	VERB
fsr-3899	126	8	amortization	amortization	NOUN
fsr-3899	126	9	tables	table	NOUN
fsr-3899	126	10	using	use	VERB
fsr-3899	126	11	hand	hand	NOUN
fsr-3899	126	12	calculators	calculator	NOUN
fsr-3899	126	13	and	and	CCONJ
fsr-3899	126	14	paper	paper	NOUN
fsr-3899	126	15	and	and	CCONJ
fsr-3899	126	16	pencil	pencil	NOUN
fsr-3899	126	17	for	for	ADP
fsr-3899	126	18	most	most	ADJ
fsr-3899	126	19	real	real	ADJ
fsr-3899	126	20	world	world	NOUN
fsr-3899	126	21	loans	loan	NOUN
fsr-3899	126	22	that	that	PRON
fsr-3899	126	23	have	have	VERB
fsr-3899	126	24	from	from	ADP
fsr-3899	126	25	60	60	NUM
fsr-3899	126	26	to	to	ADP
fsr-3899	126	27	360	360	NUM
fsr-3899	126	28	monthly	monthly	ADJ
fsr-3899	126	29	payments	payment	NOUN
fsr-3899	126	30	.	.	PUNCT
fsr-3899	127	1	the	the	DET
fsr-3899	127	2	cash	cash	NOUN
fsr-3899	127	3	flow	flow	NOUN
fsr-3899	127	4	methodology	methodology	NOUN
fsr-3899	127	5	allows	allow	VERB
fsr-3899	127	6	students	student	NOUN
fsr-3899	127	7	to	to	PART
fsr-3899	127	8	simultaneously	simultaneously	ADV
fsr-3899	127	9	find	find	VERB
fsr-3899	127	10	the	the	DET
fsr-3899	127	11	solution	solution	NOUN
fsr-3899	127	12	to	to	ADP
fsr-3899	127	13	the	the	DET
fsr-3899	127	14	loan	loan	NOUN
fsr-3899	127	15	problem	problem	NOUN
fsr-3899	127	16	and	and	CCONJ
fsr-3899	127	17	to	to	PART
fsr-3899	127	18	see	see	VERB
fsr-3899	127	19	exactly	exactly	ADV
fsr-3899	127	20	how	how	SCONJ
fsr-3899	127	21	the	the	DET
fsr-3899	127	22	loan	loan	NOUN
fsr-3899	127	23	balance	balance	NOUN
fsr-3899	127	24	decreases	decrease	VERB
fsr-3899	127	25	to	to	ADP
fsr-3899	127	26	zero	zero	NUM
fsr-3899	127	27	over	over	ADP
fsr-3899	127	28	the	the	DET
fsr-3899	127	29	40	40	NUM
fsr-3899	127	30	quarter	quarter	NOUN
fsr-3899	127	31	time	time	NOUN
fsr-3899	127	32	period	period	NOUN
fsr-3899	127	33	.	.	PUNCT
fsr-3899	128	1	students	student	NOUN
fsr-3899	128	2	need	need	VERB
fsr-3899	128	3	to	to	PART
fsr-3899	128	4	look	look	VERB
fsr-3899	128	5	at	at	ADP
fsr-3899	128	6	the	the	DET
fsr-3899	128	7	cash	cash	NOUN
fsr-3899	128	8	flow	flow	NOUN
fsr-3899	128	9	columns	column	NOUN
fsr-3899	128	10	to	to	PART
fsr-3899	128	11	make	make	VERB
fsr-3899	128	12	sure	sure	ADJ
fsr-3899	128	13	that	that	SCONJ
fsr-3899	128	14	an	an	DET
fsr-3899	128	15	equation	equation	NOUN
fsr-3899	128	16	error	error	NOUN
fsr-3899	128	17	has	have	AUX
fsr-3899	128	18	not	not	PART
fsr-3899	128	19	gotten	get	VERB
fsr-3899	128	20	into	into	ADP
fsr-3899	128	21	the	the	DET
fsr-3899	128	22	cash	cash	NOUN
fsr-3899	128	23	flow	flow	NOUN
fsr-3899	128	24	algorithm	algorithm	NOUN
fsr-3899	128	25	.	.	PUNCT
fsr-3899	129	1	when	when	SCONJ
fsr-3899	129	2	students	student	NOUN
fsr-3899	129	3	are	be	AUX
fsr-3899	129	4	examining	examine	VERB
fsr-3899	129	5	their	their	PRON
fsr-3899	129	6	spreadsheets	spreadsheet	NOUN
fsr-3899	129	7	for	for	ADP
fsr-3899	129	8	errors	error	NOUN
fsr-3899	129	9	,	,	PUNCT
fsr-3899	129	10	they	they	PRON
fsr-3899	129	11	are	be	AUX
fsr-3899	129	12	thinking	think	VERB
fsr-3899	129	13	;	;	PUNCT
fsr-3899	129	14	when	when	SCONJ
fsr-3899	129	15	they	they	PRON
fsr-3899	129	16	find	find	VERB
fsr-3899	129	17	errors	error	NOUN
fsr-3899	129	18	,	,	PUNCT
fsr-3899	129	19	they	they	PRON
fsr-3899	129	20	are	be	AUX
fsr-3899	129	21	learning	learn	VERB
fsr-3899	129	22	;	;	PUNCT
fsr-3899	129	23	after	after	SCONJ
fsr-3899	129	24	they	they	PRON
fsr-3899	129	25	have	have	AUX
fsr-3899	129	26	fixed	fix	VERB
fsr-3899	129	27	274	274	NUM
fsr-3899	129	28	r.r	r.r	PROPN
fsr-3899	129	29	.	.	PROPN
fsr-3899	129	30	crabb	crabb	PROPN
fsr-3899	129	31	/	/	SYM
fsr-3899	129	32	financial	financial	ADJ
fsr-3899	129	33	services	service	NOUN
fsr-3899	129	34	review	review	VERB
fsr-3899	129	35	8	8	NUM
fsr-3899	129	36	(	(	PUNCT
fsr-3899	129	37	1999	1999	NUM
fsr-3899	129	38	)	)	PUNCT
fsr-3899	130	1	269–282	269–282	NUM
fsr-3899	130	2	their	their	PRON
fsr-3899	130	3	errors	error	NOUN
fsr-3899	130	4	,	,	PUNCT
fsr-3899	130	5	they	they	PRON
fsr-3899	130	6	have	have	AUX
fsr-3899	130	7	learned	learn	VERB
fsr-3899	130	8	exactly	exactly	ADV
fsr-3899	130	9	how	how	SCONJ
fsr-3899	130	10	the	the	DET
fsr-3899	130	11	amortization	amortization	NOUN
fsr-3899	130	12	process	process	NOUN
fsr-3899	130	13	works	work	VERB
fsr-3899	130	14	.	.	PUNCT
fsr-3899	131	1	in	in	ADP
fsr-3899	131	2	a	a	DET
fsr-3899	131	3	learning	learn	VERB
fsr-3899	131	4	context	context	NOUN
fsr-3899	131	5	,	,	PUNCT
fsr-3899	131	6	this	this	DET
fsr-3899	131	7	methodology	methodology	NOUN
fsr-3899	131	8	creates	create	VERB
fsr-3899	131	9	an	an	DET
fsr-3899	131	10	active	active	ADJ
fsr-3899	131	11	learning	learn	VERB
fsr-3899	131	12	situation	situation	NOUN
fsr-3899	131	13	.	.	PUNCT
fsr-3899	132	1	students	student	NOUN
fsr-3899	132	2	become	become	VERB
fsr-3899	132	3	comfortable	comfortable	ADJ
fsr-3899	132	4	with	with	ADP
fsr-3899	132	5	loan	loan	NOUN
fsr-3899	132	6	payment	payment	NOUN
fsr-3899	132	7	computation	computation	NOUN
fsr-3899	132	8	and	and	CCONJ
fsr-3899	132	9	loan	loan	NOUN
fsr-3899	132	10	amortization	amortization	NOUN
fsr-3899	132	11	.	.	PUNCT
fsr-3899	133	1	depending	depend	VERB
fsr-3899	133	2	upon	upon	SCONJ
fsr-3899	133	3	your	your	PRON
fsr-3899	133	4	needs	need	NOUN
fsr-3899	133	5	and	and	CCONJ
fsr-3899	133	6	your	your	PRON
fsr-3899	133	7	students	student	NOUN
fsr-3899	133	8	’	’	PART
fsr-3899	133	9	backgrounds	background	NOUN
fsr-3899	133	10	and	and	CCONJ
fsr-3899	133	11	their	their	PRON
fsr-3899	133	12	needs	need	NOUN
fsr-3899	133	13	(	(	PUNCT
fsr-3899	133	14	e.g.	e.g.	ADV
fsr-3899	133	15	,	,	PUNCT
fsr-3899	133	16	have	have	AUX
fsr-3899	133	17	they	they	PRON
fsr-3899	133	18	already	already	ADV
fsr-3899	133	19	had	have	VERB
fsr-3899	133	20	a	a	DET
fsr-3899	133	21	basic	basic	ADJ
fsr-3899	133	22	finance	finance	NOUN
fsr-3899	133	23	course	course	NOUN
fsr-3899	133	24	?	?	PUNCT
fsr-3899	134	1	is	be	AUX
fsr-3899	134	2	this	this	PRON
fsr-3899	134	3	their	their	PRON
fsr-3899	134	4	first	first	ADJ
fsr-3899	134	5	course	course	NOUN
fsr-3899	134	6	in	in	ADP
fsr-3899	134	7	finance	finance	NOUN
fsr-3899	134	8	?	?	PUNCT
fsr-3899	135	1	will	will	AUX
fsr-3899	135	2	they	they	PRON
fsr-3899	135	3	be	be	AUX
fsr-3899	135	4	taking	take	VERB
fsr-3899	135	5	more	more	ADJ
fsr-3899	135	6	courses	course	NOUN
fsr-3899	135	7	in	in	ADP
fsr-3899	135	8	finance	finance	NOUN
fsr-3899	135	9	using	use	VERB
fsr-3899	135	10	this	this	DET
fsr-3899	135	11	course	course	NOUN
fsr-3899	135	12	as	as	ADP
fsr-3899	135	13	a	a	DET
fsr-3899	135	14	prerequisite	prerequisite	NOUN
fsr-3899	135	15	?	?	PUNCT
fsr-3899	135	16	)	)	PUNCT
fsr-3899	135	17	,	,	PUNCT
fsr-3899	135	18	it	it	PRON
fsr-3899	135	19	is	be	AUX
fsr-3899	135	20	easy	easy	ADJ
fsr-3899	135	21	to	to	PART
fsr-3899	135	22	integrate	integrate	VERB
fsr-3899	135	23	the	the	DET
fsr-3899	135	24	basic	basic	ADJ
fsr-3899	135	25	finance	finance	NOUN
fsr-3899	135	26	course	course	NOUN
fsr-3899	135	27	into	into	ADP
fsr-3899	135	28	your	your	PRON
fsr-3899	135	29	financial	financial	ADJ
fsr-3899	135	30	planning	planning	NOUN
fsr-3899	135	31	course	course	NOUN
fsr-3899	135	32	or	or	CCONJ
fsr-3899	135	33	vice	vice	NOUN
fsr-3899	135	34	versa	versa	ADV
fsr-3899	135	35	.	.	PUNCT
fsr-3899	136	1	with	with	ADP
fsr-3899	136	2	the	the	DET
fsr-3899	136	3	addition	addition	NOUN
fsr-3899	136	4	of	of	ADP
fsr-3899	136	5	a	a	DET
fsr-3899	136	6	single	single	ADJ
fsr-3899	136	7	column	column	NOUN
fsr-3899	136	8	to	to	ADP
fsr-3899	136	9	the	the	DET
fsr-3899	136	10	spreadsheet	spreadsheet	NOUN
fsr-3899	136	11	shown	show	VERB
fsr-3899	136	12	in	in	ADP
fsr-3899	136	13	table	table	NOUN
fsr-3899	136	14	2	2	NUM
fsr-3899	136	15	,	,	PUNCT
fsr-3899	136	16	you	you	PRON
fsr-3899	136	17	can	can	AUX
fsr-3899	136	18	show	show	VERB
fsr-3899	136	19	your	your	PRON
fsr-3899	136	20	students	student	NOUN
fsr-3899	136	21	the	the	DET
fsr-3899	136	22	traditional	traditional	ADJ
fsr-3899	136	23	pvifa	pvifa	NOUN
fsr-3899	136	24	approach	approach	NOUN
fsr-3899	136	25	to	to	ADP
fsr-3899	136	26	solving	solve	VERB
fsr-3899	136	27	this	this	DET
fsr-3899	136	28	problem	problem	NOUN
fsr-3899	136	29	while	while	SCONJ
fsr-3899	136	30	also	also	ADV
fsr-3899	136	31	showing	show	VERB
fsr-3899	136	32	them	they	PRON
fsr-3899	136	33	a	a	DET
fsr-3899	136	34	new	new	ADJ
fsr-3899	136	35	way	way	NOUN
fsr-3899	136	36	to	to	PART
fsr-3899	136	37	compute	compute	VERB
fsr-3899	136	38	pvifa	pvifa	NOUN
fsr-3899	136	39	factors	factor	NOUN
fsr-3899	136	40	.	.	PUNCT
fsr-3899	137	1	3	3	X
fsr-3899	137	2	.	.	X
fsr-3899	137	3	the	the	DET
fsr-3899	137	4	pvifa	pvifa	NOUN
fsr-3899	137	5	approach	approach	VERB
fsr-3899	137	6	for	for	ADP
fsr-3899	137	7	a	a	DET
fsr-3899	137	8	student	student	NOUN
fsr-3899	137	9	loan	loan	NOUN
fsr-3899	137	10	in	in	ADP
fsr-3899	137	11	cell	cell	NOUN
fsr-3899	137	12	g2	g2	PROPN
fsr-3899	137	13	of	of	ADP
fsr-3899	137	14	the	the	DET
fsr-3899	137	15	spreadsheet	spreadsheet	NOUN
fsr-3899	137	16	shown	show	VERB
fsr-3899	137	17	in	in	ADP
fsr-3899	137	18	table	table	NOUN
fsr-3899	137	19	2	2	NUM
fsr-3899	137	20	enter51/(110.075/4	enter51/(110.075/4	NOUN
fsr-3899	137	21	)	)	PUNCT
fsr-3899	137	22	.	.	PUNCT
fsr-3899	138	1	in	in	ADP
fsr-3899	138	2	cell	cell	NOUN
fsr-3899	138	3	g3	g3	PROPN
fsr-3899	138	4	enter	enter	VERB
fsr-3899	138	5	5g2/(110.075/4	5g2/(110.075/4	NUM
fsr-3899	138	6	)	)	PUNCT
fsr-3899	138	7	.	.	PUNCT
fsr-3899	139	1	click	click	VERB
fsr-3899	139	2	on	on	ADP
fsr-3899	139	3	cell	cell	NOUN
fsr-3899	139	4	g3	g3	NOUN
fsr-3899	139	5	,	,	PUNCT
fsr-3899	139	6	and	and	CCONJ
fsr-3899	139	7	copy	copy	VERB
fsr-3899	139	8	down	down	ADP
fsr-3899	139	9	through	through	ADP
fsr-3899	139	10	row	row	NOUN
fsr-3899	139	11	10	10	NUM
fsr-3899	139	12	.	.	PUNCT
fsr-3899	140	1	edit	edit	PROPN
fsr-3899	140	2	cell	cell	PROPN
fsr-3899	140	3	g10	g10	PROPN
fsr-3899	140	4	to	to	PART
fsr-3899	140	5	be	be	AUX
fsr-3899	140	6	5g9/(110.0825/4	5g9/(110.0825/4	NUM
fsr-3899	140	7	)	)	PUNCT
fsr-3899	140	8	to	to	PART
fsr-3899	140	9	reflect	reflect	VERB
fsr-3899	140	10	the	the	DET
fsr-3899	140	11	change	change	NOUN
fsr-3899	140	12	in	in	ADP
fsr-3899	140	13	the	the	DET
fsr-3899	140	14	interest	interest	NOUN
fsr-3899	140	15	rate	rate	NOUN
fsr-3899	140	16	.	.	PUNCT
fsr-3899	141	1	click	click	VERB
fsr-3899	141	2	on	on	ADP
fsr-3899	141	3	cell	cell	PROPN
fsr-3899	141	4	g10	g10	PROPN
fsr-3899	141	5	and	and	CCONJ
fsr-3899	141	6	copy	copy	VERB
fsr-3899	141	7	down	down	ADP
fsr-3899	141	8	through	through	ADP
fsr-3899	141	9	row	row	NOUN
fsr-3899	141	10	41	41	NUM
fsr-3899	141	11	.	.	PUNCT
fsr-3899	142	1	set	set	VERB
fsr-3899	142	2	the	the	DET
fsr-3899	142	3	cursor	cursor	NOUN
fsr-3899	142	4	in	in	ADP
fsr-3899	142	5	cell	cell	NOUN
fsr-3899	142	6	g42	g42	PROPN
fsr-3899	142	7	.	.	PUNCT
fsr-3899	143	1	go	go	VERB
fsr-3899	143	2	up	up	ADP
fsr-3899	143	3	to	to	ADP
fsr-3899	143	4	the	the	DET
fsr-3899	143	5	toolbar	toolbar	NOUN
fsr-3899	143	6	and	and	CCONJ
fsr-3899	143	7	double	double	ADJ
fsr-3899	143	8	click	click	VERB
fsr-3899	143	9	the	the	DET
fsr-3899	143	10	summation	summation	NOUN
fsr-3899	143	11	sign	sign	NOUN
fsr-3899	143	12	to	to	PART
fsr-3899	143	13	sum	sum	VERB
fsr-3899	143	14	up	up	ADP
fsr-3899	143	15	cells	cell	NOUN
fsr-3899	143	16	g2	g2	PROPN
fsr-3899	143	17	through	through	ADP
fsr-3899	143	18	g41	g41	NOUN
fsr-3899	143	19	.	.	PUNCT
fsr-3899	144	1	the	the	DET
fsr-3899	144	2	resulting	result	VERB
fsr-3899	144	3	sum	sum	NOUN
fsr-3899	144	4	,	,	PUNCT
fsr-3899	144	5	27.41	27.41	NUM
fsr-3899	144	6	,	,	PUNCT
fsr-3899	144	7	is	be	AUX
fsr-3899	144	8	the	the	DET
fsr-3899	144	9	present	present	ADJ
fsr-3899	144	10	value	value	NOUN
fsr-3899	144	11	annuity	annuity	NOUN
fsr-3899	144	12	factor	factor	NOUN
fsr-3899	144	13	(	(	PUNCT
fsr-3899	144	14	pvifa	pvifa	PROPN
fsr-3899	144	15	)	)	PUNCT
fsr-3899	144	16	for	for	ADP
fsr-3899	144	17	this	this	DET
fsr-3899	144	18	loan	loan	NOUN
fsr-3899	144	19	problem	problem	NOUN
fsr-3899	144	20	.	.	PUNCT
fsr-3899	145	1	in	in	ADP
fsr-3899	145	2	cell	cell	NOUN
fsr-3899	145	3	g43	g43	NOUN
fsr-3899	145	4	divide	divide	VERB
fsr-3899	145	5	$	$	SYM
fsr-3899	145	6	10,000	10,000	NUM
fsr-3899	145	7	by	by	ADP
fsr-3899	145	8	that	that	DET
fsr-3899	145	9	annuity	annuity	NOUN
fsr-3899	145	10	factor	factor	NOUN
fsr-3899	145	11	.	.	PUNCT
fsr-3899	146	1	the	the	DET
fsr-3899	146	2	quotient	quotient	NOUN
fsr-3899	146	3	,	,	PUNCT
fsr-3899	146	4	$	$	SYM
fsr-3899	146	5	364.83	364.83	NUM
fsr-3899	146	6	,	,	PUNCT
fsr-3899	146	7	computes	compute	VERB
fsr-3899	146	8	the	the	DET
fsr-3899	146	9	exact	exact	ADJ
fsr-3899	146	10	same	same	ADJ
fsr-3899	146	11	payment	payment	NOUN
fsr-3899	146	12	as	as	SCONJ
fsr-3899	146	13	determined	determine	VERB
fsr-3899	146	14	via	via	ADP
fsr-3899	146	15	the	the	DET
fsr-3899	146	16	cash	cash	NOUN
fsr-3899	146	17	flow	flow	NOUN
fsr-3899	146	18	methodology	methodology	NOUN
fsr-3899	146	19	.	.	PUNCT
fsr-3899	147	1	students	student	NOUN
fsr-3899	147	2	who	who	PRON
fsr-3899	147	3	have	have	AUX
fsr-3899	147	4	had	have	VERB
fsr-3899	147	5	a	a	DET
fsr-3899	147	6	basic	basic	ADJ
fsr-3899	147	7	finance	finance	NOUN
fsr-3899	147	8	class	class	NOUN
fsr-3899	147	9	learn	learn	VERB
fsr-3899	147	10	a	a	DET
fsr-3899	147	11	new	new	ADJ
fsr-3899	147	12	way	way	NOUN
fsr-3899	147	13	to	to	PART
fsr-3899	147	14	compute	compute	VERB
fsr-3899	147	15	annuity	annuity	NOUN
fsr-3899	147	16	factors	factor	NOUN
fsr-3899	147	17	,	,	PUNCT
fsr-3899	147	18	and	and	CCONJ
fsr-3899	147	19	their	their	PRON
fsr-3899	147	20	memories	memory	NOUN
fsr-3899	147	21	of	of	ADP
fsr-3899	147	22	how	how	SCONJ
fsr-3899	147	23	to	to	PART
fsr-3899	147	24	solve	solve	VERB
fsr-3899	147	25	loan	loan	NOUN
fsr-3899	147	26	amortization	amortization	NOUN
fsr-3899	147	27	problems	problem	NOUN
fsr-3899	147	28	are	be	AUX
fsr-3899	147	29	refreshed	refresh	VERB
fsr-3899	147	30	;	;	PUNCT
fsr-3899	147	31	students	student	NOUN
fsr-3899	147	32	who	who	PRON
fsr-3899	147	33	have	have	AUX
fsr-3899	147	34	not	not	PART
fsr-3899	147	35	had	have	VERB
fsr-3899	147	36	a	a	DET
fsr-3899	147	37	finance	finance	NOUN
fsr-3899	147	38	class	class	NOUN
fsr-3899	147	39	can	can	AUX
fsr-3899	147	40	see	see	VERB
fsr-3899	147	41	how	how	SCONJ
fsr-3899	147	42	annuity	annuity	NOUN
fsr-3899	147	43	factors	factor	NOUN
fsr-3899	147	44	are	be	AUX
fsr-3899	147	45	built	build	VERB
fsr-3899	147	46	and	and	CCONJ
fsr-3899	147	47	used.2	used.2	PROPN
fsr-3899	147	48	i	i	PRON
fsr-3899	147	49	reinforce	reinforce	VERB
fsr-3899	147	50	student	student	NOUN
fsr-3899	147	51	learning	learning	NOUN
fsr-3899	147	52	by	by	ADP
fsr-3899	147	53	using	use	VERB
fsr-3899	147	54	the	the	DET
fsr-3899	147	55	cash	cash	NOUN
fsr-3899	147	56	flow	flow	NOUN
fsr-3899	147	57	goal	goal	NOUN
fsr-3899	147	58	seek	seek	VERB
fsr-3899	147	59	methodology	methodology	NOUN
fsr-3899	147	60	to	to	PART
fsr-3899	147	61	solve	solve	VERB
fsr-3899	147	62	credit	credit	NOUN
fsr-3899	147	63	card	card	NOUN
fsr-3899	147	64	and	and	CCONJ
fsr-3899	147	65	mortgage	mortgage	NOUN
fsr-3899	147	66	loan	loan	NOUN
fsr-3899	147	67	problems	problem	NOUN
fsr-3899	147	68	.	.	PUNCT
fsr-3899	148	1	following	follow	VERB
fsr-3899	148	2	that	that	PRON
fsr-3899	148	3	,	,	PUNCT
fsr-3899	148	4	students	student	NOUN
fsr-3899	148	5	have	have	VERB
fsr-3899	148	6	a	a	DET
fsr-3899	148	7	reasonably	reasonably	ADV
fsr-3899	148	8	good	good	ADJ
fsr-3899	148	9	understanding	understanding	NOUN
fsr-3899	148	10	of	of	ADP
fsr-3899	148	11	the	the	DET
fsr-3899	148	12	loan	loan	NOUN
fsr-3899	148	13	amortization	amortization	NOUN
fsr-3899	148	14	process	process	NOUN
fsr-3899	148	15	and	and	CCONJ
fsr-3899	148	16	are	be	AUX
fsr-3899	148	17	ready	ready	ADJ
fsr-3899	148	18	to	to	PART
fsr-3899	148	19	move	move	VERB
fsr-3899	148	20	to	to	ADP
fsr-3899	148	21	the	the	DET
fsr-3899	148	22	next	next	ADJ
fsr-3899	148	23	topic	topic	NOUN
fsr-3899	148	24	:	:	PUNCT
fsr-3899	148	25	retirement	retirement	NOUN
fsr-3899	148	26	funding	funding	NOUN
fsr-3899	148	27	.	.	PUNCT
fsr-3899	149	1	4	4	X
fsr-3899	149	2	.	.	X
fsr-3899	149	3	cash	cash	NOUN
fsr-3899	149	4	flow	flow	NOUN
fsr-3899	149	5	retirement	retirement	NOUN
fsr-3899	149	6	planning	planning	NOUN
fsr-3899	149	7	perhaps	perhaps	ADV
fsr-3899	149	8	some	some	PRON
fsr-3899	149	9	of	of	ADP
fsr-3899	149	10	the	the	DET
fsr-3899	149	11	nastiest	nasty	ADJ
fsr-3899	149	12	mathematics	mathematic	NOUN
fsr-3899	149	13	that	that	PRON
fsr-3899	149	14	students	student	NOUN
fsr-3899	149	15	can	can	AUX
fsr-3899	149	16	encounter	encounter	VERB
fsr-3899	149	17	in	in	ADP
fsr-3899	149	18	a	a	DET
fsr-3899	149	19	financial	financial	ADJ
fsr-3899	149	20	planning	planning	NOUN
fsr-3899	149	21	course	course	NOUN
fsr-3899	149	22	is	be	AUX
fsr-3899	149	23	the	the	DET
fsr-3899	149	24	math	math	NOUN
fsr-3899	149	25	that	that	PRON
fsr-3899	149	26	underlies	underlie	VERB
fsr-3899	149	27	retirement	retirement	NOUN
fsr-3899	149	28	planning	planning	NOUN
fsr-3899	149	29	.	.	PUNCT
fsr-3899	150	1	rich	rich	ADJ
fsr-3899	150	2	fortin	fortin	PROPN
fsr-3899	150	3	(	(	PUNCT
fsr-3899	150	4	1997	1997	NUM
fsr-3899	150	5	)	)	PUNCT
fsr-3899	150	6	,	,	PUNCT
fsr-3899	150	7	the	the	DET
fsr-3899	150	8	author	author	NOUN
fsr-3899	150	9	of	of	ADP
fsr-3899	150	10	“	"	PUNCT
fsr-3899	150	11	retirement	retirement	NOUN
fsr-3899	150	12	planning	planning	NOUN
fsr-3899	150	13	mathematics	mathematic	NOUN
fsr-3899	150	14	”	"	PUNCT
fsr-3899	150	15	(	(	PUNCT
fsr-3899	150	16	hereinafter	hereinafter	NOUN
fsr-3899	150	17	referred	refer	VERB
fsr-3899	150	18	to	to	ADP
fsr-3899	150	19	as	as	ADP
fsr-3899	150	20	rpm	rpm	NOUN
fsr-3899	150	21	)	)	PUNCT
fsr-3899	150	22	,	,	PUNCT
fsr-3899	150	23	used	use	VERB
fsr-3899	150	24	17	17	NUM
fsr-3899	150	25	equations	equation	NOUN
fsr-3899	150	26	in	in	ADP
fsr-3899	150	27	the	the	DET
fsr-3899	150	28	body	body	NOUN
fsr-3899	150	29	of	of	ADP
fsr-3899	150	30	his	his	PRON
fsr-3899	150	31	article	article	NOUN
fsr-3899	150	32	and	and	CCONJ
fsr-3899	150	33	another	another	DET
fsr-3899	150	34	11	11	NUM
fsr-3899	150	35	equations	equation	NOUN
fsr-3899	150	36	in	in	ADP
fsr-3899	150	37	the	the	DET
fsr-3899	150	38	appendix	appendix	NOUN
fsr-3899	150	39	to	to	PART
fsr-3899	150	40	show	show	VERB
fsr-3899	150	41	the	the	DET
fsr-3899	150	42	present	present	ADJ
fsr-3899	150	43	value	value	NOUN
fsr-3899	150	44	/	/	SYM
fsr-3899	150	45	future	future	ADJ
fsr-3899	150	46	value	value	NOUN
fsr-3899	150	47	equations	equation	NOUN
fsr-3899	150	48	which	which	PRON
fsr-3899	150	49	need	need	VERB
fsr-3899	150	50	to	to	PART
fsr-3899	150	51	be	be	AUX
fsr-3899	150	52	solved	solve	VERB
fsr-3899	150	53	to	to	PART
fsr-3899	150	54	determine	determine	VERB
fsr-3899	150	55	how	how	SCONJ
fsr-3899	150	56	much	much	ADJ
fsr-3899	150	57	to	to	PART
fsr-3899	150	58	save	save	VERB
fsr-3899	150	59	for	for	ADP
fsr-3899	150	60	retirement	retirement	NOUN
fsr-3899	150	61	.	.	PUNCT
fsr-3899	151	1	he	he	PRON
fsr-3899	151	2	demonstrated	demonstrate	VERB
fsr-3899	151	3	that	that	SCONJ
fsr-3899	151	4	the	the	DET
fsr-3899	151	5	retirement	retirement	NOUN
fsr-3899	151	6	savings	saving	NOUN
fsr-3899	151	7	approach	approach	NOUN
fsr-3899	151	8	which	which	PRON
fsr-3899	151	9	people	people	NOUN
fsr-3899	151	10	might	might	AUX
fsr-3899	151	11	be	be	AUX
fsr-3899	151	12	most	most	ADV
fsr-3899	151	13	likely	likely	ADJ
fsr-3899	151	14	to	to	PART
fsr-3899	151	15	use	use	VERB
fsr-3899	151	16	did	do	AUX
fsr-3899	151	17	not	not	PART
fsr-3899	151	18	have	have	VERB
fsr-3899	151	19	a	a	DET
fsr-3899	151	20	closed	closed	ADJ
fsr-3899	151	21	form	form	NOUN
fsr-3899	151	22	solution	solution	NOUN
fsr-3899	151	23	.	.	PUNCT
fsr-3899	152	1	like	like	ADP
fsr-3899	152	2	loan	loan	NOUN
fsr-3899	152	3	payment	payment	NOUN
fsr-3899	152	4	computation	computation	NOUN
fsr-3899	152	5	,	,	PUNCT
fsr-3899	152	6	a	a	DET
fsr-3899	152	7	cash	cash	NOUN
fsr-3899	152	8	flow	flow	NOUN
fsr-3899	152	9	methodology	methodology	NOUN
fsr-3899	152	10	greatly	greatly	ADV
fsr-3899	152	11	simplifies	simplify	VERB
fsr-3899	152	12	retirement	retirement	NOUN
fsr-3899	152	13	planning	planning	NOUN
fsr-3899	152	14	mathematics	mathematic	NOUN
fsr-3899	152	15	.	.	PUNCT
fsr-3899	153	1	to	to	PART
fsr-3899	153	2	save	save	VERB
fsr-3899	153	3	time	time	NOUN
fsr-3899	153	4	and	and	CCONJ
fsr-3899	153	5	space	space	NOUN
fsr-3899	153	6	,	,	PUNCT
fsr-3899	153	7	and	and	CCONJ
fsr-3899	153	8	to	to	PART
fsr-3899	153	9	allow	allow	VERB
fsr-3899	153	10	for	for	ADP
fsr-3899	153	11	a	a	DET
fsr-3899	153	12	comparison	comparison	NOUN
fsr-3899	153	13	between	between	ADP
fsr-3899	153	14	a	a	DET
fsr-3899	153	15	standard	standard	ADJ
fsr-3899	153	16	present	present	ADJ
fsr-3899	153	17	value	value	NOUN
fsr-3899	153	18	/	/	SYM
fsr-3899	153	19	future	future	ADJ
fsr-3899	153	20	value	value	NOUN
fsr-3899	153	21	approach	approach	NOUN
fsr-3899	153	22	to	to	ADP
fsr-3899	153	23	retirement	retirement	NOUN
fsr-3899	153	24	mathematics	mathematic	NOUN
fsr-3899	153	25	and	and	CCONJ
fsr-3899	153	26	a	a	DET
fsr-3899	153	27	cash	cash	NOUN
fsr-3899	153	28	flow	flow	NOUN
fsr-3899	153	29	approach	approach	NOUN
fsr-3899	153	30	,	,	PUNCT
fsr-3899	153	31	this	this	DET
fsr-3899	153	32	article	article	NOUN
fsr-3899	153	33	will	will	AUX
fsr-3899	153	34	assume	assume	VERB
fsr-3899	153	35	the	the	DET
fsr-3899	153	36	same	same	ADJ
fsr-3899	153	37	case	case	NOUN
fsr-3899	153	38	facts	fact	NOUN
fsr-3899	153	39	as	as	ADP
fsr-3899	153	40	the	the	DET
fsr-3899	153	41	rpm	rpm	NOUN
fsr-3899	153	42	example	example	NOUN
fsr-3899	153	43	.	.	PUNCT
fsr-3899	154	1	those	those	DET
fsr-3899	154	2	facts	fact	NOUN
fsr-3899	154	3	follow	follow	VERB
fsr-3899	154	4	.	.	PUNCT
fsr-3899	155	1	assume	assume	VERB
fsr-3899	155	2	an	an	DET
fsr-3899	155	3	age	age	NOUN
fsr-3899	155	4	25	25	NUM
fsr-3899	155	5	student	student	NOUN
fsr-3899	155	6	has	have	AUX
fsr-3899	155	7	just	just	ADV
fsr-3899	155	8	graduated	graduate	VERB
fsr-3899	155	9	from	from	ADP
fsr-3899	155	10	college	college	NOUN
fsr-3899	155	11	.	.	PUNCT
fsr-3899	156	1	she	she	PRON
fsr-3899	156	2	expects	expect	VERB
fsr-3899	156	3	to	to	PART
fsr-3899	156	4	earn	earn	VERB
fsr-3899	156	5	$	$	SYM
fsr-3899	156	6	25,000	25,000	NUM
fsr-3899	156	7	in	in	ADP
fsr-3899	156	8	her	her	PRON
fsr-3899	156	9	first	first	ADJ
fsr-3899	156	10	year	year	NOUN
fsr-3899	156	11	of	of	ADP
fsr-3899	156	12	employment	employment	NOUN
fsr-3899	156	13	.	.	PUNCT
fsr-3899	157	1	she	she	PRON
fsr-3899	157	2	expects	expect	VERB
fsr-3899	157	3	to	to	PART
fsr-3899	157	4	work	work	VERB
fsr-3899	157	5	for	for	ADP
fsr-3899	157	6	30	30	NUM
fsr-3899	157	7	years	year	NOUN
fsr-3899	157	8	,	,	PUNCT
fsr-3899	157	9	and	and	CCONJ
fsr-3899	157	10	she	she	PRON
fsr-3899	157	11	expects	expect	VERB
fsr-3899	157	12	to	to	PART
fsr-3899	157	13	be	be	AUX
fsr-3899	157	14	retired	retire	VERB
fsr-3899	157	15	for	for	ADP
fsr-3899	157	16	25	25	NUM
fsr-3899	157	17	years	year	NOUN
fsr-3899	157	18	.	.	PUNCT
fsr-3899	158	1	she	she	PRON
fsr-3899	158	2	275r.r	275r.r	NUM
fsr-3899	158	3	.	.	PUNCT
fsr-3899	159	1	crabb	crabb	PROPN
fsr-3899	159	2	/	/	SYM
fsr-3899	159	3	financial	financial	ADJ
fsr-3899	159	4	services	service	NOUN
fsr-3899	159	5	review	review	VERB
fsr-3899	159	6	8	8	NUM
fsr-3899	159	7	(	(	PUNCT
fsr-3899	159	8	1999	1999	NUM
fsr-3899	159	9	)	)	PUNCT
fsr-3899	160	1	269–282	269–282	NUM
fsr-3899	160	2	expects	expect	VERB
fsr-3899	160	3	an	an	DET
fsr-3899	160	4	inflation	inflation	NOUN
fsr-3899	160	5	rate	rate	NOUN
fsr-3899	160	6	of	of	ADP
fsr-3899	160	7	3.2	3.2	NUM
fsr-3899	160	8	%	%	NOUN
fsr-3899	160	9	in	in	ADP
fsr-3899	160	10	both	both	CCONJ
fsr-3899	160	11	her	her	PRON
fsr-3899	160	12	salary	salary	NOUN
fsr-3899	160	13	and	and	CCONJ
fsr-3899	160	14	in	in	ADP
fsr-3899	160	15	prices	price	NOUN
fsr-3899	160	16	,	,	PUNCT
fsr-3899	160	17	and	and	CCONJ
fsr-3899	160	18	she	she	PRON
fsr-3899	160	19	wants	want	VERB
fsr-3899	160	20	a	a	DET
fsr-3899	160	21	constant	constant	ADJ
fsr-3899	160	22	dollar	dollar	NOUN
fsr-3899	160	23	annuity	annuity	NOUN
fsr-3899	160	24	equal	equal	ADJ
fsr-3899	160	25	to	to	ADP
fsr-3899	160	26	one	one	NUM
fsr-3899	160	27	half	half	NOUN
fsr-3899	160	28	of	of	ADP
fsr-3899	160	29	her	her	PRON
fsr-3899	160	30	final	final	ADJ
fsr-3899	160	31	salary	salary	NOUN
fsr-3899	160	32	.	.	PUNCT
fsr-3899	161	1	she	she	PRON
fsr-3899	161	2	assumes	assume	VERB
fsr-3899	161	3	that	that	SCONJ
fsr-3899	161	4	she	she	PRON
fsr-3899	161	5	will	will	AUX
fsr-3899	161	6	earn	earn	VERB
fsr-3899	161	7	an	an	DET
fsr-3899	161	8	8	8	NUM
fsr-3899	161	9	%	%	NOUN
fsr-3899	161	10	nominal	nominal	ADJ
fsr-3899	161	11	interest	interest	NOUN
fsr-3899	161	12	rate	rate	NOUN
fsr-3899	161	13	on	on	ADP
fsr-3899	161	14	her	her	PRON
fsr-3899	161	15	investments	investment	NOUN
fsr-3899	161	16	,	,	PUNCT
fsr-3899	161	17	and	and	CCONJ
fsr-3899	161	18	she	she	PRON
fsr-3899	161	19	makes	make	VERB
fsr-3899	161	20	all	all	PRON
fsr-3899	161	21	of	of	ADP
fsr-3899	161	22	her	her	PRON
fsr-3899	161	23	computations	computation	NOUN
fsr-3899	161	24	on	on	ADP
fsr-3899	161	25	an	an	DET
fsr-3899	161	26	end	end	NOUN
fsr-3899	161	27	-	-	PUNCT
fsr-3899	161	28	of	of	ADP
fsr-3899	161	29	-	-	PUNCT
fsr-3899	161	30	the	the	DET
fsr-3899	161	31	-	-	PUNCT
fsr-3899	161	32	year	year	NOUN
fsr-3899	161	33	basis	basis	NOUN
fsr-3899	161	34	.	.	PUNCT
fsr-3899	162	1	she	she	PRON
fsr-3899	162	2	considers	consider	VERB
fsr-3899	162	3	three	three	NUM
fsr-3899	162	4	approaches	approach	NOUN
fsr-3899	162	5	to	to	ADP
fsr-3899	162	6	funding	fund	VERB
fsr-3899	162	7	her	her	PRON
fsr-3899	162	8	retirement	retirement	NOUN
fsr-3899	162	9	.	.	PUNCT
fsr-3899	163	1	she	she	PRON
fsr-3899	163	2	could	could	AUX
fsr-3899	163	3	save	save	VERB
fsr-3899	163	4	a	a	DET
fsr-3899	163	5	constant	constant	ADJ
fsr-3899	163	6	dollar	dollar	NOUN
fsr-3899	163	7	amount	amount	NOUN
fsr-3899	163	8	every	every	DET
fsr-3899	163	9	year	year	NOUN
fsr-3899	163	10	,	,	PUNCT
fsr-3899	163	11	she	she	PRON
fsr-3899	163	12	could	could	AUX
fsr-3899	163	13	save	save	VERB
fsr-3899	163	14	a	a	DET
fsr-3899	163	15	constant	constant	ADJ
fsr-3899	163	16	percentage	percentage	NOUN
fsr-3899	163	17	of	of	ADP
fsr-3899	163	18	her	her	PRON
fsr-3899	163	19	salary	salary	NOUN
fsr-3899	163	20	each	each	DET
fsr-3899	163	21	year	year	NOUN
fsr-3899	163	22	,	,	PUNCT
fsr-3899	163	23	or	or	CCONJ
fsr-3899	163	24	she	she	PRON
fsr-3899	163	25	could	could	AUX
fsr-3899	163	26	save	save	VERB
fsr-3899	163	27	some	some	DET
fsr-3899	163	28	initial	initial	ADJ
fsr-3899	163	29	percentage	percentage	NOUN
fsr-3899	163	30	of	of	ADP
fsr-3899	163	31	her	her	PRON
fsr-3899	163	32	salary	salary	NOUN
fsr-3899	163	33	,	,	PUNCT
fsr-3899	163	34	and	and	CCONJ
fsr-3899	163	35	then	then	ADV
fsr-3899	163	36	increase	increase	VERB
fsr-3899	163	37	that	that	DET
fsr-3899	163	38	percentage	percentage	NOUN
fsr-3899	163	39	each	each	DET
fsr-3899	163	40	year.3	year.3	NOUN
fsr-3899	163	41	because	because	SCONJ
fsr-3899	163	42	the	the	DET
fsr-3899	163	43	nature	nature	NOUN
fsr-3899	163	44	of	of	ADP
fsr-3899	163	45	retirement	retirement	NOUN
fsr-3899	163	46	planning	planning	NOUN
fsr-3899	163	47	is	be	AUX
fsr-3899	163	48	highly	highly	ADV
fsr-3899	163	49	“	"	PUNCT
fsr-3899	163	50	what	what	PRON
fsr-3899	163	51	if	if	SCONJ
fsr-3899	163	52	?	?	PUNCT
fsr-3899	163	53	”	"	PUNCT
fsr-3899	164	1	based	base	VERB
fsr-3899	164	2	(	(	PUNCT
fsr-3899	164	3	what	what	PRON
fsr-3899	164	4	if	if	SCONJ
fsr-3899	164	5	she	she	PRON
fsr-3899	164	6	actually	actually	ADV
fsr-3899	164	7	earns	earn	VERB
fsr-3899	164	8	12	12	NUM
fsr-3899	164	9	%	%	NOUN
fsr-3899	164	10	?	?	PUNCT
fsr-3899	165	1	what	what	PRON
fsr-3899	165	2	if	if	SCONJ
fsr-3899	165	3	she	she	PRON
fsr-3899	165	4	only	only	ADV
fsr-3899	165	5	earns	earn	VERB
fsr-3899	165	6	4	4	NUM
fsr-3899	165	7	%	%	NOUN
fsr-3899	165	8	?	?	PUNCT
fsr-3899	165	9	)	)	PUNCT
fsr-3899	165	10	,	,	PUNCT
fsr-3899	165	11	an	an	DET
fsr-3899	165	12	alternate	alternate	ADJ
fsr-3899	165	13	excel	excel	NOUN
fsr-3899	165	14	tool	tool	NOUN
fsr-3899	165	15	,	,	PUNCT
fsr-3899	165	16	solver	solver	ADV
fsr-3899	165	17	,	,	PUNCT
fsr-3899	165	18	is	be	AUX
fsr-3899	165	19	used	use	VERB
fsr-3899	165	20	in	in	ADP
fsr-3899	165	21	place	place	NOUN
fsr-3899	165	22	of	of	ADP
fsr-3899	165	23	goal	goal	NOUN
fsr-3899	165	24	seek	seek	VERB
fsr-3899	165	25	.	.	PUNCT
fsr-3899	166	1	solver	solver	PROPN
fsr-3899	166	2	uses	use	VERB
fsr-3899	166	3	a	a	DET
fsr-3899	166	4	more	more	ADV
fsr-3899	166	5	complex	complex	ADJ
fsr-3899	166	6	trial	trial	NOUN
fsr-3899	166	7	and	and	CCONJ
fsr-3899	166	8	error	error	NOUN
fsr-3899	166	9	algorithm	algorithm	NOUN
fsr-3899	166	10	;	;	PUNCT
fsr-3899	166	11	as	as	ADP
fsr-3899	166	12	a	a	DET
fsr-3899	166	13	result	result	NOUN
fsr-3899	166	14	,	,	PUNCT
fsr-3899	166	15	solver	solver	NOUN
fsr-3899	166	16	takes	take	VERB
fsr-3899	166	17	more	more	ADJ
fsr-3899	166	18	computer	computer	NOUN
fsr-3899	166	19	time	time	NOUN
fsr-3899	166	20	to	to	PART
fsr-3899	166	21	get	get	VERB
fsr-3899	166	22	an	an	DET
fsr-3899	166	23	answer	answer	NOUN
fsr-3899	166	24	the	the	DET
fsr-3899	166	25	first	first	ADJ
fsr-3899	166	26	time	time	NOUN
fsr-3899	166	27	it	it	PRON
fsr-3899	166	28	is	be	AUX
fsr-3899	166	29	used	use	VERB
fsr-3899	166	30	.	.	PUNCT
fsr-3899	167	1	however	however	ADV
fsr-3899	167	2	,	,	PUNCT
fsr-3899	167	3	this	this	DET
fsr-3899	167	4	one	one	NUM
fsr-3899	167	5	-	-	PUNCT
fsr-3899	167	6	time	time	NOUN
fsr-3899	167	7	cost	cost	NOUN
fsr-3899	167	8	is	be	AUX
fsr-3899	167	9	outweighed	outweigh	VERB
fsr-3899	167	10	when	when	SCONJ
fsr-3899	167	11	testing	test	VERB
fsr-3899	167	12	multiple	multiple	ADJ
fsr-3899	167	13	interest	interest	NOUN
fsr-3899	167	14	rates	rate	NOUN
fsr-3899	167	15	because	because	SCONJ
fsr-3899	167	16	solver	solver	NOUN
fsr-3899	167	17	remembers	remember	VERB
fsr-3899	167	18	the	the	DET
fsr-3899	167	19	target	target	NOUN
fsr-3899	167	20	cell	cell	NOUN
fsr-3899	167	21	,	,	PUNCT
fsr-3899	167	22	remembers	remember	VERB
fsr-3899	167	23	the	the	DET
fsr-3899	167	24	zero	zero	NUM
fsr-3899	167	25	value	value	NOUN
fsr-3899	167	26	for	for	ADP
fsr-3899	167	27	that	that	DET
fsr-3899	167	28	target	target	NOUN
fsr-3899	167	29	cell	cell	NOUN
fsr-3899	167	30	,	,	PUNCT
fsr-3899	167	31	and	and	CCONJ
fsr-3899	167	32	remembers	remember	VERB
fsr-3899	167	33	the	the	DET
fsr-3899	167	34	cell	cell	NOUN
fsr-3899	167	35	that	that	PRON
fsr-3899	167	36	needs	need	VERB
fsr-3899	167	37	to	to	PART
fsr-3899	167	38	be	be	AUX
fsr-3899	167	39	changed	change	VERB
fsr-3899	167	40	to	to	PART
fsr-3899	167	41	cause	cause	VERB
fsr-3899	167	42	the	the	DET
fsr-3899	167	43	target	target	NOUN
fsr-3899	167	44	cell	cell	NOUN
fsr-3899	167	45	to	to	PART
fsr-3899	167	46	compute	compute	VERB
fsr-3899	167	47	to	to	ADP
fsr-3899	167	48	a	a	DET
fsr-3899	167	49	zero	zero	NUM
fsr-3899	167	50	value	value	NOUN
fsr-3899	167	51	.	.	PUNCT
fsr-3899	168	1	once	once	ADV
fsr-3899	168	2	the	the	DET
fsr-3899	168	3	solver	solver	ADJ
fsr-3899	168	4	algorithm	algorithm	NOUN
fsr-3899	168	5	has	have	AUX
fsr-3899	168	6	been	be	AUX
fsr-3899	168	7	defined	define	VERB
fsr-3899	168	8	for	for	ADP
fsr-3899	168	9	a	a	DET
fsr-3899	168	10	particular	particular	ADJ
fsr-3899	168	11	problem	problem	NOUN
fsr-3899	168	12	,	,	PUNCT
fsr-3899	168	13	it	it	PRON
fsr-3899	168	14	allows	allow	VERB
fsr-3899	168	15	the	the	DET
fsr-3899	168	16	student	student	NOUN
fsr-3899	168	17	to	to	PART
fsr-3899	168	18	quickly	quickly	ADV
fsr-3899	168	19	do	do	VERB
fsr-3899	168	20	“	"	PUNCT
fsr-3899	168	21	what	what	PRON
fsr-3899	168	22	if	if	SCONJ
fsr-3899	168	23	?	?	PUNCT
fsr-3899	168	24	”	"	PUNCT
fsr-3899	168	25	analysis	analysis	NOUN
fsr-3899	168	26	.	.	PUNCT
fsr-3899	169	1	create	create	VERB
fsr-3899	169	2	a	a	DET
fsr-3899	169	3	cash	cash	NOUN
fsr-3899	169	4	flow	flow	NOUN
fsr-3899	169	5	spreadsheet	spreadsheet	NOUN
fsr-3899	169	6	that	that	PRON
fsr-3899	169	7	shows	show	VERB
fsr-3899	169	8	the	the	DET
fsr-3899	169	9	accumulation	accumulation	NOUN
fsr-3899	169	10	and	and	CCONJ
fsr-3899	169	11	liquidation	liquidation	NOUN
fsr-3899	169	12	of	of	ADP
fsr-3899	169	13	a	a	DET
fsr-3899	169	14	retirement	retirement	NOUN
fsr-3899	169	15	fund	fund	NOUN
fsr-3899	169	16	under	under	ADP
fsr-3899	169	17	the	the	DET
fsr-3899	169	18	constant	constant	ADJ
fsr-3899	169	19	dollar	dollar	NOUN
fsr-3899	169	20	approach	approach	NOUN
fsr-3899	169	21	.	.	PUNCT
fsr-3899	170	1	once	once	SCONJ
fsr-3899	170	2	the	the	DET
fsr-3899	170	3	formulae	formulae	NOUN
fsr-3899	170	4	are	be	AUX
fsr-3899	170	5	written	write	VERB
fsr-3899	170	6	(	(	PUNCT
fsr-3899	170	7	see	see	VERB
fsr-3899	170	8	the	the	DET
fsr-3899	170	9	appendix	appendix	NOUN
fsr-3899	170	10	for	for	ADP
fsr-3899	170	11	the	the	DET
fsr-3899	170	12	equation	equation	NOUN
fsr-3899	170	13	details	detail	NOUN
fsr-3899	170	14	)	)	PUNCT
fsr-3899	170	15	,	,	PUNCT
fsr-3899	170	16	bring	bring	VERB
fsr-3899	170	17	up	up	ADP
fsr-3899	170	18	solver	solver	ADV
fsr-3899	170	19	to	to	PART
fsr-3899	170	20	compute	compute	VERB
fsr-3899	170	21	the	the	DET
fsr-3899	170	22	amount	amount	NOUN
fsr-3899	170	23	of	of	ADP
fsr-3899	170	24	money	money	NOUN
fsr-3899	170	25	that	that	PRON
fsr-3899	170	26	needs	need	VERB
fsr-3899	170	27	to	to	PART
fsr-3899	170	28	be	be	AUX
fsr-3899	170	29	saved	save	VERB
fsr-3899	170	30	on	on	ADP
fsr-3899	170	31	an	an	DET
fsr-3899	170	32	annual	annual	ADJ
fsr-3899	170	33	basis	basis	NOUN
fsr-3899	170	34	.	.	PUNCT
fsr-3899	171	1	like	like	ADP
fsr-3899	171	2	goal	goal	NOUN
fsr-3899	171	3	seek	seek	VERB
fsr-3899	171	4	,	,	PUNCT
fsr-3899	171	5	solver	solver	PROPN
fsr-3899	171	6	requires	require	VERB
fsr-3899	171	7	that	that	SCONJ
fsr-3899	171	8	you	you	PRON
fsr-3899	171	9	specify	specify	VERB
fsr-3899	171	10	three	three	NUM
fsr-3899	171	11	parameters	parameter	NOUN
fsr-3899	171	12	:	:	PUNCT
fsr-3899	171	13	the	the	DET
fsr-3899	171	14	target	target	NOUN
fsr-3899	171	15	cell	cell	NOUN
fsr-3899	171	16	,	,	PUNCT
fsr-3899	171	17	the	the	DET
fsr-3899	171	18	value	value	NOUN
fsr-3899	171	19	for	for	ADP
fsr-3899	171	20	the	the	DET
fsr-3899	171	21	target	target	NOUN
fsr-3899	171	22	cell	cell	NOUN
fsr-3899	171	23	,	,	PUNCT
fsr-3899	171	24	and	and	CCONJ
fsr-3899	171	25	the	the	DET
fsr-3899	171	26	cell	cell	NOUN
fsr-3899	171	27	whose	whose	DET
fsr-3899	171	28	value	value	NOUN
fsr-3899	171	29	you	you	PRON
fsr-3899	171	30	want	want	VERB
fsr-3899	171	31	to	to	PART
fsr-3899	171	32	change	change	VERB
fsr-3899	171	33	to	to	PART
fsr-3899	171	34	make	make	VERB
fsr-3899	171	35	the	the	DET
fsr-3899	171	36	target	target	NOUN
fsr-3899	171	37	cell	cell	NOUN
fsr-3899	171	38	compute	compute	NOUN
fsr-3899	171	39	to	to	ADP
fsr-3899	171	40	the	the	DET
fsr-3899	171	41	value	value	NOUN
fsr-3899	171	42	you	you	PRON
fsr-3899	171	43	want	want	VERB
fsr-3899	171	44	that	that	DET
fsr-3899	171	45	cell	cell	NOUN
fsr-3899	171	46	to	to	PART
fsr-3899	171	47	have	have	VERB
fsr-3899	171	48	.	.	PUNCT
fsr-3899	172	1	in	in	ADP
fsr-3899	172	2	this	this	DET
fsr-3899	172	3	case	case	NOUN
fsr-3899	172	4	the	the	DET
fsr-3899	172	5	target	target	NOUN
fsr-3899	172	6	cell	cell	NOUN
fsr-3899	172	7	is	be	AUX
fsr-3899	172	8	the	the	DET
fsr-3899	172	9	retirement	retirement	NOUN
fsr-3899	172	10	fund	fund	NOUN
fsr-3899	172	11	balance	balance	NOUN
fsr-3899	172	12	at	at	ADP
fsr-3899	172	13	the	the	DET
fsr-3899	172	14	end	end	NOUN
fsr-3899	172	15	of	of	ADP
fsr-3899	172	16	the	the	DET
fsr-3899	172	17	retirement	retirement	NOUN
fsr-3899	172	18	period	period	NOUN
fsr-3899	172	19	.	.	PUNCT
fsr-3899	173	1	hence	hence	ADV
fsr-3899	173	2	,	,	PUNCT
fsr-3899	173	3	have	have	VERB
fsr-3899	173	4	the	the	DET
fsr-3899	173	5	cursor	cursor	NOUN
fsr-3899	173	6	in	in	ADP
fsr-3899	173	7	cell	cell	NOUN
fsr-3899	173	8	e56	e56	VERB
fsr-3899	173	9	when	when	SCONJ
fsr-3899	173	10	you	you	PRON
fsr-3899	173	11	bring	bring	VERB
fsr-3899	173	12	up	up	ADP
fsr-3899	173	13	solver	solver	ADV
fsr-3899	173	14	.	.	PUNCT
fsr-3899	174	1	in	in	ADP
fsr-3899	174	2	fig	fig	NOUN
fsr-3899	174	3	.	.	PUNCT
fsr-3899	175	1	2	2	NUM
fsr-3899	175	2	,	,	PUNCT
fsr-3899	175	3	the	the	DET
fsr-3899	175	4	second	second	ADJ
fsr-3899	175	5	line	line	NOUN
fsr-3899	175	6	of	of	ADP
fsr-3899	175	7	the	the	DET
fsr-3899	175	8	solver	solver	PROPN
fsr-3899	175	9	box	box	NOUN
fsr-3899	175	10	shows	show	VERB
fsr-3899	175	11	three	three	NUM
fsr-3899	175	12	possible	possible	ADJ
fsr-3899	175	13	options	option	NOUN
fsr-3899	175	14	for	for	ADP
fsr-3899	175	15	the	the	DET
fsr-3899	175	16	target	target	NOUN
fsr-3899	175	17	cell	cell	NOUN
fsr-3899	175	18	:	:	PUNCT
fsr-3899	175	19	max	max	PROPN
fsr-3899	175	20	,	,	PUNCT
fsr-3899	175	21	min	min	PROPN
fsr-3899	175	22	,	,	PUNCT
fsr-3899	175	23	value	value	NOUN
fsr-3899	175	24	of	of	ADP
fsr-3899	175	25	.	.	PUNCT
fsr-3899	176	1	set	set	VERB
fsr-3899	176	2	the	the	DET
fsr-3899	176	3	pointer	pointer	NOUN
fsr-3899	176	4	in	in	ADP
fsr-3899	176	5	the	the	DET
fsr-3899	176	6	little	little	ADJ
fsr-3899	176	7	circle	circle	NOUN
fsr-3899	176	8	to	to	ADP
fsr-3899	176	9	the	the	DET
fsr-3899	176	10	left	left	NOUN
fsr-3899	176	11	of	of	ADP
fsr-3899	176	12	the	the	DET
fsr-3899	176	13	wordsvalue	wordsvalue	NOUN
fsr-3899	176	14	of	of	ADP
fsr-3899	176	15	,	,	PUNCT
fsr-3899	176	16	and	and	CCONJ
fsr-3899	176	17	click	click	VERB
fsr-3899	176	18	the	the	DET
fsr-3899	176	19	mouse	mouse	NOUN
fsr-3899	176	20	button	button	NOUN
fsr-3899	176	21	.	.	PUNCT
fsr-3899	177	1	we	we	PRON
fsr-3899	177	2	want	want	VERB
fsr-3899	177	3	the	the	DET
fsr-3899	177	4	target	target	NOUN
fsr-3899	177	5	cell	cell	NOUN
fsr-3899	177	6	,	,	PUNCT
fsr-3899	177	7	e56	e56	PROPN
fsr-3899	177	8	,	,	PUNCT
fsr-3899	177	9	to	to	PART
fsr-3899	177	10	compute	compute	VERB
fsr-3899	177	11	to	to	ADP
fsr-3899	177	12	zero	zero	NUM
fsr-3899	177	13	,	,	PUNCT
fsr-3899	177	14	and	and	CCONJ
fsr-3899	177	15	,	,	PUNCT
fsr-3899	177	16	since	since	SCONJ
fsr-3899	177	17	the	the	DET
fsr-3899	177	18	solver	solver	NOUN
fsr-3899	177	19	default	default	NOUN
fsr-3899	177	20	value	value	NOUN
fsr-3899	177	21	is	be	AUX
fsr-3899	177	22	zero	zero	NUM
fsr-3899	177	23	,	,	PUNCT
fsr-3899	177	24	this	this	DET
fsr-3899	177	25	parameter	parameter	NOUN
fsr-3899	177	26	is	be	AUX
fsr-3899	177	27	now	now	ADV
fsr-3899	177	28	correctly	correctly	ADV
fsr-3899	177	29	specified	specify	VERB
fsr-3899	177	30	.	.	PUNCT
fsr-3899	178	1	enter	enter	VERB
fsr-3899	178	2	an	an	DET
fsr-3899	178	3	i2	i2	NOUN
fsr-3899	178	4	into	into	ADP
fsr-3899	178	5	theby	theby	ADV
fsr-3899	178	6	changing	change	VERB
fsr-3899	178	7	cell	cell	NOUN
fsr-3899	178	8	box	box	NOUN
fsr-3899	178	9	.	.	PUNCT
fsr-3899	179	1	click	click	VERB
fsr-3899	179	2	the	the	DET
fsr-3899	179	3	solve	solve	NOUN
fsr-3899	179	4	button	button	NOUN
fsr-3899	179	5	in	in	ADP
fsr-3899	179	6	the	the	DET
fsr-3899	179	7	solver	solver	NOUN
fsr-3899	179	8	box	box	NOUN
fsr-3899	179	9	,	,	PUNCT
fsr-3899	179	10	then	then	ADV
fsr-3899	179	11	click	click	VERB
fsr-3899	179	12	the	the	DET
fsr-3899	179	13	ok	ok	ADJ
fsr-3899	179	14	button	button	NOUN
fsr-3899	179	15	when	when	SCONJ
fsr-3899	179	16	the	the	DET
fsr-3899	179	17	“	"	PUNCT
fsr-3899	179	18	solver	solver	NOUN
fsr-3899	179	19	has	have	AUX
fsr-3899	179	20	found	find	VERB
fsr-3899	179	21	a	a	DET
fsr-3899	179	22	solution	solution	NOUN
fsr-3899	179	23	”	"	PUNCT
fsr-3899	179	24	box	box	NOUN
fsr-3899	179	25	appears	appear	VERB
fsr-3899	179	26	on	on	ADP
fsr-3899	179	27	the	the	DET
fsr-3899	179	28	monitor	monitor	NOUN
fsr-3899	179	29	.	.	PUNCT
fsr-3899	180	1	the	the	DET
fsr-3899	180	2	solution	solution	NOUN
fsr-3899	180	3	to	to	ADP
fsr-3899	180	4	this	this	DET
fsr-3899	180	5	problem	problem	NOUN
fsr-3899	180	6	is	be	AUX
fsr-3899	180	7	shown	show	VERB
fsr-3899	180	8	in	in	ADP
fsr-3899	180	9	table	table	NOUN
fsr-3899	180	10	3	3	NUM
fsr-3899	180	11	.	.	PUNCT
fsr-3899	181	1	the	the	DET
fsr-3899	181	2	resulting	result	VERB
fsr-3899	181	3	spreadsheet	spreadsheet	NOUN
fsr-3899	181	4	allows	allow	VERB
fsr-3899	181	5	your	your	PRON
fsr-3899	181	6	students	student	NOUN
fsr-3899	181	7	to	to	PART
fsr-3899	181	8	see	see	VERB
fsr-3899	181	9	what	what	PRON
fsr-3899	181	10	happens	happen	VERB
fsr-3899	181	11	to	to	ADP
fsr-3899	181	12	the	the	DET
fsr-3899	181	13	retirement	retirement	NOUN
fsr-3899	181	14	fund	fund	NOUN
fsr-3899	181	15	of	of	ADP
fsr-3899	181	16	the	the	DET
fsr-3899	181	17	hypothetical	hypothetical	ADJ
fsr-3899	181	18	age	age	NOUN
fsr-3899	181	19	25	25	NUM
fsr-3899	181	20	student	student	NOUN
fsr-3899	181	21	as	as	SCONJ
fsr-3899	181	22	she	she	PRON
fsr-3899	181	23	accumulates	accumulate	VERB
fsr-3899	181	24	capital	capital	NOUN
fsr-3899	181	25	for	for	ADP
fsr-3899	181	26	her	her	PRON
fsr-3899	181	27	retirement	retirement	NOUN
fsr-3899	181	28	and	and	CCONJ
fsr-3899	181	29	then	then	ADV
fsr-3899	181	30	liquidates	liquidate	VERB
fsr-3899	181	31	that	that	DET
fsr-3899	181	32	capital	capital	NOUN
fsr-3899	181	33	during	during	ADP
fsr-3899	181	34	her	her	PRON
fsr-3899	181	35	retirement	retirement	NOUN
fsr-3899	181	36	.	.	PUNCT
fsr-3899	182	1	as	as	ADP
fsr-3899	182	2	a	a	DET
fsr-3899	182	3	byproduct	byproduct	NOUN
fsr-3899	182	4	of	of	ADP
fsr-3899	182	5	solving	solve	VERB
fsr-3899	182	6	the	the	DET
fsr-3899	182	7	retirement	retirement	NOUN
fsr-3899	182	8	funding	funding	NOUN
fsr-3899	182	9	problem	problem	NOUN
fsr-3899	182	10	,	,	PUNCT
fsr-3899	182	11	the	the	DET
fsr-3899	182	12	size	size	NOUN
fsr-3899	182	13	of	of	ADP
fsr-3899	182	14	the	the	DET
fsr-3899	182	15	retirement	retirement	NOUN
fsr-3899	182	16	gap4	gap4	PROPN
fsr-3899	182	17	shows	show	VERB
fsr-3899	182	18	on	on	ADP
fsr-3899	182	19	the	the	DET
fsr-3899	182	20	spreadsheet	spreadsheet	NOUN
fsr-3899	182	21	in	in	ADP
fsr-3899	182	22	cell	cell	PROPN
fsr-3899	182	23	e31	e31	PROPN
fsr-3899	182	24	,	,	PUNCT
fsr-3899	182	25	the	the	DET
fsr-3899	182	26	year	year	NOUN
fsr-3899	182	27	in	in	ADP
fsr-3899	182	28	which	which	PRON
fsr-3899	182	29	our	our	PRON
fsr-3899	182	30	hypothetical	hypothetical	ADJ
fsr-3899	182	31	student	student	NOUN
fsr-3899	182	32	retires	retire	VERB
fsr-3899	182	33	.	.	PUNCT
fsr-3899	183	1	again	again	ADV
fsr-3899	183	2	,	,	PUNCT
fsr-3899	183	3	this	this	PRON
fsr-3899	183	4	is	be	AUX
fsr-3899	183	5	much	much	ADV
fsr-3899	183	6	easier	easy	ADJ
fsr-3899	183	7	to	to	PART
fsr-3899	183	8	do	do	VERB
fsr-3899	183	9	in	in	ADP
fsr-3899	183	10	real	real	ADJ
fsr-3899	183	11	time	time	NOUN
fsr-3899	183	12	in	in	ADP
fsr-3899	183	13	a	a	DET
fsr-3899	183	14	classroom	classroom	NOUN
fsr-3899	183	15	than	than	SCONJ
fsr-3899	183	16	it	it	PRON
fsr-3899	183	17	is	be	AUX
fsr-3899	183	18	to	to	PART
fsr-3899	183	19	explain	explain	VERB
fsr-3899	183	20	in	in	ADP
fsr-3899	183	21	words	word	NOUN
fsr-3899	183	22	.	.	PUNCT
fsr-3899	184	1	from	from	ADP
fsr-3899	184	2	start	start	NOUN
fsr-3899	184	3	to	to	AUX
fsr-3899	184	4	finish	finish	VERB
fsr-3899	184	5	on	on	ADP
fsr-3899	184	6	a	a	DET
fsr-3899	184	7	blank	blank	ADJ
fsr-3899	184	8	excel	excel	NOUN
fsr-3899	184	9	spreadsheet	spreadsheet	NOUN
fsr-3899	184	10	,	,	PUNCT
fsr-3899	184	11	solving	solve	VERB
fsr-3899	184	12	the	the	DET
fsr-3899	184	13	constant	constant	ADJ
fsr-3899	184	14	dollar	dollar	NOUN
fsr-3899	184	15	problem	problem	NOUN
fsr-3899	184	16	takes	take	VERB
fsr-3899	184	17	about	about	ADV
fsr-3899	184	18	ten	ten	NUM
fsr-3899	184	19	minutes	minute	NOUN
fsr-3899	184	20	.	.	PUNCT
fsr-3899	185	1	as	as	ADP
fsr-3899	185	2	before	before	ADV
fsr-3899	185	3	,	,	PUNCT
fsr-3899	185	4	the	the	DET
fsr-3899	185	5	student	student	NOUN
fsr-3899	185	6	needs	need	VERB
fsr-3899	185	7	to	to	PART
fsr-3899	185	8	examine	examine	VERB
fsr-3899	185	9	his	his	PRON
fsr-3899	185	10	/	/	SYM
fsr-3899	185	11	her	her	PRON
fsr-3899	185	12	spreadsheet	spreadsheet	NOUN
fsr-3899	185	13	for	for	ADP
fsr-3899	185	14	logical	logical	ADJ
fsr-3899	185	15	consistency	consistency	NOUN
fsr-3899	185	16	.	.	PUNCT
fsr-3899	186	1	is	be	AUX
fsr-3899	186	2	the	the	DET
fsr-3899	186	3	retirement	retirement	NOUN
fsr-3899	186	4	fund	fund	NOUN
fsr-3899	186	5	at	at	ADP
fsr-3899	186	6	the	the	DET
fsr-3899	186	7	beginning	beginning	NOUN
fsr-3899	186	8	of	of	ADP
fsr-3899	186	9	one	one	NUM
fsr-3899	186	10	time	time	NOUN
fsr-3899	186	11	period	period	NOUN
fsr-3899	186	12	equal	equal	ADJ
fsr-3899	186	13	to	to	ADP
fsr-3899	186	14	the	the	PRON
fsr-3899	186	15	to	to	ADP
fsr-3899	186	16	retirement	retirement	NOUN
fsr-3899	186	17	fund	fund	NOUN
fsr-3899	186	18	at	at	ADP
fsr-3899	186	19	the	the	DET
fsr-3899	186	20	end	end	NOUN
fsr-3899	186	21	of	of	ADP
fsr-3899	186	22	the	the	DET
fsr-3899	186	23	previous	previous	ADJ
fsr-3899	186	24	period	period	NOUN
fsr-3899	186	25	?	?	PUNCT
fsr-3899	187	1	do	do	VERB
fsr-3899	187	2	the	the	DET
fsr-3899	187	3	interest	interest	NOUN
fsr-3899	187	4	earnings	earning	NOUN
fsr-3899	187	5	increase	increase	NOUN
fsr-3899	187	6	continuously	continuously	ADV
fsr-3899	187	7	through	through	ADP
fsr-3899	187	8	the	the	DET
fsr-3899	187	9	30	30	NUM
fsr-3899	187	10	year	year	NOUN
fsr-3899	187	11	accumulation	accumulation	NOUN
fsr-3899	187	12	period	period	NOUN
fsr-3899	187	13	,	,	PUNCT
fsr-3899	187	14	and	and	CCONJ
fsr-3899	187	15	continue	continue	VERB
fsr-3899	187	16	to	to	PART
fsr-3899	187	17	increase	increase	VERB
fsr-3899	187	18	during	during	ADP
fsr-3899	187	19	the	the	DET
fsr-3899	187	20	liquidation	liquidation	NOUN
fsr-3899	187	21	period	period	NOUN
fsr-3899	187	22	,	,	PUNCT
fsr-3899	187	23	although	although	SCONJ
fsr-3899	187	24	at	at	ADP
fsr-3899	187	25	a	a	DET
fsr-3899	187	26	slower	slow	ADJ
fsr-3899	187	27	rate	rate	NOUN
fsr-3899	187	28	,	,	PUNCT
fsr-3899	187	29	until	until	SCONJ
fsr-3899	187	30	the	the	DET
fsr-3899	187	31	annuity	annuity	NOUN
fsr-3899	187	32	payments	payment	NOUN
fsr-3899	187	33	become	become	VERB
fsr-3899	187	34	larger	large	ADJ
fsr-3899	187	35	than	than	ADP
fsr-3899	187	36	the	the	DET
fsr-3899	187	37	interest	interest	NOUN
fsr-3899	187	38	earned	earn	VERB
fsr-3899	187	39	?	?	PUNCT
fsr-3899	188	1	is	be	AUX
fsr-3899	188	2	the	the	DET
fsr-3899	188	3	salary	salary	NOUN
fsr-3899	188	4	of	of	ADP
fsr-3899	188	5	the	the	DET
fsr-3899	188	6	hypothetical	hypothetical	ADJ
fsr-3899	188	7	student	student	NOUN
fsr-3899	188	8	increasing	increase	VERB
fsr-3899	188	9	continuously	continuously	ADV
fsr-3899	188	10	from	from	ADP
fsr-3899	188	11	when	when	SCONJ
fsr-3899	188	12	she	she	PRON
fsr-3899	188	13	begins	begin	VERB
fsr-3899	188	14	work	work	NOUN
fsr-3899	188	15	until	until	ADP
fsr-3899	188	16	when	when	SCONJ
fsr-3899	188	17	she	she	PRON
fsr-3899	188	18	retires	retire	VERB
fsr-3899	188	19	?	?	PUNCT
fsr-3899	189	1	does	do	AUX
fsr-3899	189	2	the	the	DET
fsr-3899	189	3	sum	sum	NOUN
fsr-3899	189	4	of	of	ADP
fsr-3899	189	5	the	the	DET
fsr-3899	189	6	interest	interest	NOUN
fsr-3899	189	7	earned	earn	VERB
fsr-3899	189	8	over	over	ADP
fsr-3899	189	9	the	the	DET
fsr-3899	189	10	entire	entire	ADJ
fsr-3899	189	11	accumulation	accumulation	NOUN
fsr-3899	189	12	and	and	CCONJ
fsr-3899	189	13	liquidation	liquidation	NOUN
fsr-3899	189	14	276	276	NUM
fsr-3899	189	15	r.r	r.r	PROPN
fsr-3899	189	16	.	.	PROPN
fsr-3899	189	17	crabb	crabb	PROPN
fsr-3899	189	18	/	/	SYM
fsr-3899	189	19	financial	financial	ADJ
fsr-3899	189	20	services	service	NOUN
fsr-3899	189	21	review	review	VERB
fsr-3899	189	22	8	8	NUM
fsr-3899	189	23	(	(	PUNCT
fsr-3899	189	24	1999	1999	NUM
fsr-3899	189	25	)	)	PUNCT
fsr-3899	189	26	269–282	269–282	NUM
fsr-3899	189	27	period	period	NOUN
fsr-3899	189	28	plus	plus	CCONJ
fsr-3899	189	29	the	the	DET
fsr-3899	189	30	sum	sum	NOUN
fsr-3899	189	31	of	of	ADP
fsr-3899	189	32	the	the	DET
fsr-3899	189	33	dollars	dollar	NOUN
fsr-3899	189	34	invested	invest	VERB
fsr-3899	189	35	during	during	ADP
fsr-3899	189	36	the	the	DET
fsr-3899	189	37	accumulation	accumulation	NOUN
fsr-3899	189	38	period	period	NOUN
fsr-3899	189	39	equal	equal	VERB
fsr-3899	189	40	the	the	DET
fsr-3899	189	41	sum	sum	NOUN
fsr-3899	189	42	of	of	ADP
fsr-3899	189	43	the	the	DET
fsr-3899	189	44	retirement	retirement	NOUN
fsr-3899	189	45	annuity	annuity	NOUN
fsr-3899	189	46	payments	payment	NOUN
fsr-3899	189	47	paid	pay	VERB
fsr-3899	189	48	out	out	ADP
fsr-3899	189	49	during	during	ADP
fsr-3899	189	50	the	the	DET
fsr-3899	189	51	liquidation	liquidation	NOUN
fsr-3899	189	52	period	period	NOUN
fsr-3899	189	53	?	?	PUNCT
fsr-3899	190	1	is	be	AUX
fsr-3899	190	2	the	the	DET
fsr-3899	190	3	ending	end	VERB
fsr-3899	190	4	retirement	retirement	NOUN
fsr-3899	190	5	fund	fund	NOUN
fsr-3899	190	6	at	at	ADP
fsr-3899	190	7	the	the	DET
fsr-3899	190	8	end	end	NOUN
fsr-3899	190	9	of	of	ADP
fsr-3899	190	10	the	the	DET
fsr-3899	190	11	liquidation	liquidation	NOUN
fsr-3899	190	12	period	period	NOUN
fsr-3899	190	13	equal	equal	ADJ
fsr-3899	190	14	to	to	ADP
fsr-3899	190	15	zero	zero	NUM
fsr-3899	190	16	?	?	PUNCT
fsr-3899	191	1	the	the	DET
fsr-3899	191	2	process	process	NOUN
fsr-3899	191	3	of	of	ADP
fsr-3899	191	4	examining	examine	VERB
fsr-3899	191	5	the	the	DET
fsr-3899	191	6	spreadsheet	spreadsheet	NOUN
fsr-3899	191	7	for	for	ADP
fsr-3899	191	8	logical	logical	ADJ
fsr-3899	191	9	or	or	CCONJ
fsr-3899	191	10	mathematical	mathematical	ADJ
fsr-3899	191	11	errors	error	NOUN
fsr-3899	191	12	,	,	PUNCT
fsr-3899	191	13	and	and	CCONJ
fsr-3899	191	14	fixing	fix	VERB
fsr-3899	191	15	those	those	DET
fsr-3899	191	16	errors	error	NOUN
fsr-3899	191	17	,	,	PUNCT
fsr-3899	191	18	again	again	ADV
fsr-3899	191	19	creates	create	VERB
fsr-3899	191	20	an	an	DET
fsr-3899	191	21	active	active	ADJ
fsr-3899	191	22	learning	learn	VERB
fsr-3899	191	23	environment	environment	NOUN
fsr-3899	191	24	that	that	PRON
fsr-3899	191	25	helps	help	VERB
fsr-3899	191	26	students	student	NOUN
fsr-3899	191	27	conceptualize	conceptualize	VERB
fsr-3899	191	28	the	the	DET
fsr-3899	191	29	retirement	retirement	NOUN
fsr-3899	191	30	funding	funding	NOUN
fsr-3899	191	31	process	process	NOUN
fsr-3899	191	32	.	.	PUNCT
fsr-3899	192	1	modifying	modify	VERB
fsr-3899	192	2	the	the	DET
fsr-3899	192	3	table	table	NOUN
fsr-3899	192	4	3	3	NUM
fsr-3899	192	5	spreadsheet	spreadsheet	NOUN
fsr-3899	192	6	to	to	PART
fsr-3899	192	7	solve	solve	VERB
fsr-3899	192	8	the	the	DET
fsr-3899	192	9	constant	constant	ADJ
fsr-3899	192	10	percentage	percentage	NOUN
fsr-3899	192	11	problem	problem	NOUN
fsr-3899	192	12	and	and	CCONJ
fsr-3899	192	13	to	to	PART
fsr-3899	192	14	solve	solve	VERB
fsr-3899	192	15	the	the	DET
fsr-3899	192	16	constant	constant	ADJ
fsr-3899	192	17	growth	growth	NOUN
fsr-3899	192	18	of	of	ADP
fsr-3899	192	19	an	an	DET
fsr-3899	192	20	initial	initial	ADJ
fsr-3899	192	21	percentage	percentage	NOUN
fsr-3899	192	22	problem	problem	NOUN
fsr-3899	192	23	is	be	AUX
fsr-3899	192	24	straightforward	straightforward	ADJ
fsr-3899	192	25	.	.	PUNCT
fsr-3899	193	1	copy	copy	VERB
fsr-3899	193	2	the	the	DET
fsr-3899	193	3	entire	entire	ADJ
fsr-3899	193	4	spreadsheet	spreadsheet	NOUN
fsr-3899	193	5	shown	show	VERB
fsr-3899	193	6	in	in	ADP
fsr-3899	193	7	table	table	NOUN
fsr-3899	193	8	3	3	NUM
fsr-3899	193	9	and	and	CCONJ
fsr-3899	193	10	paste	paste	VERB
fsr-3899	193	11	it	it	PRON
fsr-3899	193	12	into	into	ADP
fsr-3899	193	13	two	two	NUM
fsr-3899	193	14	blank	blank	ADJ
fsr-3899	193	15	spreadsheets	spreadsheet	NOUN
fsr-3899	193	16	.	.	PUNCT
fsr-3899	194	1	on	on	ADP
fsr-3899	194	2	each	each	DET
fsr-3899	194	3	sheet	sheet	NOUN
fsr-3899	194	4	,	,	PUNCT
fsr-3899	194	5	edit	edit	VERB
fsr-3899	194	6	a	a	DET
fsr-3899	194	7	few	few	ADJ
fsr-3899	194	8	cells	cell	NOUN
fsr-3899	194	9	,	,	PUNCT
fsr-3899	194	10	copy	copy	VERB
fsr-3899	194	11	down	down	ADP
fsr-3899	194	12	the	the	DET
fsr-3899	194	13	new	new	ADJ
fsr-3899	194	14	formulae	formulae	NOUN
fsr-3899	194	15	,	,	PUNCT
fsr-3899	194	16	and	and	CCONJ
fsr-3899	194	17	bring	bring	VERB
fsr-3899	194	18	up	up	ADP
fsr-3899	194	19	solver	solver	ADV
fsr-3899	194	20	to	to	PART
fsr-3899	194	21	solve	solve	VERB
fsr-3899	194	22	the	the	DET
fsr-3899	194	23	problem	problem	NOUN
fsr-3899	194	24	.	.	PUNCT
fsr-3899	195	1	in	in	ADP
fsr-3899	195	2	about	about	ADV
fsr-3899	195	3	five	five	NUM
fsr-3899	195	4	minutes	minute	NOUN
fsr-3899	195	5	you	you	PRON
fsr-3899	195	6	can	can	AUX
fsr-3899	195	7	solve	solve	VERB
fsr-3899	195	8	both	both	DET
fsr-3899	195	9	problems	problem	NOUN
fsr-3899	195	10	.	.	PUNCT
fsr-3899	196	1	see	see	VERB
fsr-3899	196	2	the	the	DET
fsr-3899	196	3	appendix	appendix	NOUN
fsr-3899	196	4	for	for	ADP
fsr-3899	196	5	the	the	DET
fsr-3899	196	6	equation	equation	NOUN
fsr-3899	196	7	modifications	modification	NOUN
fsr-3899	196	8	needed	need	VERB
fsr-3899	196	9	to	to	PART
fsr-3899	196	10	create	create	VERB
fsr-3899	196	11	these	these	DET
fsr-3899	196	12	two	two	NUM
fsr-3899	196	13	spreadsheets	spreadsheet	NOUN
fsr-3899	196	14	.	.	PUNCT
fsr-3899	197	1	before	before	ADP
fsr-3899	197	2	going	go	VERB
fsr-3899	197	3	to	to	ADP
fsr-3899	197	4	the	the	DET
fsr-3899	197	5	appendix	appendix	NOUN
fsr-3899	197	6	,	,	PUNCT
fsr-3899	197	7	however	however	ADV
fsr-3899	197	8	,	,	PUNCT
fsr-3899	197	9	try	try	VERB
fsr-3899	197	10	to	to	PART
fsr-3899	197	11	modify	modify	VERB
fsr-3899	197	12	the	the	DET
fsr-3899	197	13	equations	equation	NOUN
fsr-3899	197	14	yourself	yourself	PRON
fsr-3899	197	15	to	to	PART
fsr-3899	197	16	see	see	VERB
fsr-3899	197	17	if	if	SCONJ
fsr-3899	197	18	you	you	PRON
fsr-3899	197	19	can	can	AUX
fsr-3899	197	20	create	create	VERB
fsr-3899	197	21	these	these	DET
fsr-3899	197	22	spreadsheets	spreadsheet	NOUN
fsr-3899	197	23	.	.	PUNCT
fsr-3899	198	1	irrespective	irrespective	ADV
fsr-3899	198	2	of	of	ADP
fsr-3899	198	3	how	how	SCONJ
fsr-3899	198	4	our	our	PRON
fsr-3899	198	5	hypothetical	hypothetical	ADJ
fsr-3899	198	6	student	student	NOUN
fsr-3899	198	7	chooses	choose	VERB
fsr-3899	198	8	to	to	PART
fsr-3899	198	9	fund	fund	VERB
fsr-3899	198	10	her	her	PRON
fsr-3899	198	11	retirement	retirement	NOUN
fsr-3899	198	12	,	,	PUNCT
fsr-3899	198	13	she	she	PRON
fsr-3899	198	14	needs	need	VERB
fsr-3899	198	15	$	$	SYM
fsr-3899	198	16	469,526	469,526	NUM
fsr-3899	198	17	in	in	ADP
fsr-3899	198	18	her	her	PRON
fsr-3899	198	19	retirement	retirement	NOUN
fsr-3899	198	20	fund	fund	NOUN
fsr-3899	198	21	when	when	SCONJ
fsr-3899	198	22	she	she	PRON
fsr-3899	198	23	retires	retire	VERB
fsr-3899	198	24	,	,	PUNCT
fsr-3899	198	25	assuming	assume	VERB
fsr-3899	198	26	an	an	DET
fsr-3899	198	27	8	8	NUM
fsr-3899	198	28	%	%	NOUN
fsr-3899	198	29	nominal	nominal	ADJ
fsr-3899	198	30	interest	interest	NOUN
fsr-3899	198	31	rate	rate	NOUN
fsr-3899	198	32	.	.	PUNCT
fsr-3899	199	1	all	all	DET
fsr-3899	199	2	types	type	NOUN
fsr-3899	199	3	of	of	ADP
fsr-3899	199	4	sensitivity	sensitivity	NOUN
fsr-3899	199	5	analysis	analysis	NOUN
fsr-3899	199	6	are	be	AUX
fsr-3899	199	7	now	now	ADV
fsr-3899	199	8	possible	possible	ADJ
fsr-3899	199	9	for	for	ADP
fsr-3899	199	10	all	all	DET
fsr-3899	199	11	three	three	NUM
fsr-3899	199	12	approaches	approach	NOUN
fsr-3899	199	13	.	.	PUNCT
fsr-3899	200	1	the	the	DET
fsr-3899	200	2	simplest	simple	ADJ
fsr-3899	200	3	,	,	PUNCT
fsr-3899	200	4	changing	change	VERB
fsr-3899	200	5	the	the	DET
fsr-3899	200	6	nominal	nominal	ADJ
fsr-3899	200	7	interest	interest	NOUN
fsr-3899	200	8	rate	rate	NOUN
fsr-3899	200	9	,	,	PUNCT
fsr-3899	200	10	takes	take	VERB
fsr-3899	200	11	about	about	ADV
fsr-3899	200	12	20	20	NUM
fsr-3899	200	13	seconds	second	NOUN
fsr-3899	200	14	per	per	ADP
fsr-3899	200	15	each	each	DET
fsr-3899	200	16	interest	interest	NOUN
fsr-3899	200	17	rate	rate	NOUN
fsr-3899	200	18	.	.	PUNCT
fsr-3899	201	1	type	type	NOUN
fsr-3899	201	2	in	in	ADP
fsr-3899	201	3	the	the	DET
fsr-3899	201	4	new	new	ADJ
fsr-3899	201	5	rate	rate	NOUN
fsr-3899	201	6	,	,	PUNCT
fsr-3899	201	7	bring	bring	VERB
fsr-3899	201	8	up	up	ADP
fsr-3899	201	9	solver	solver	ADV
fsr-3899	201	10	,	,	PUNCT
fsr-3899	201	11	and	and	CCONJ
fsr-3899	201	12	push	push	VERB
fsr-3899	201	13	the	the	DET
fsr-3899	201	14	solve	solve	NOUN
fsr-3899	201	15	button	button	NOUN
fsr-3899	201	16	.	.	PUNCT
fsr-3899	202	1	table	table	NOUN
fsr-3899	202	2	4	4	NUM
fsr-3899	202	3	,	,	PUNCT
fsr-3899	202	4	in	in	ADP
fsr-3899	202	5	the	the	DET
fsr-3899	202	6	three	three	NUM
fsr-3899	202	7	columns	column	NOUN
fsr-3899	202	8	that	that	PRON
fsr-3899	202	9	begin	begin	VERB
fsr-3899	202	10	with	with	ADP
fsr-3899	202	11	year	year	NOUN
fsr-3899	202	12	one	one	NUM
fsr-3899	202	13	,	,	PUNCT
fsr-3899	202	14	shows	show	VERB
fsr-3899	202	15	the	the	DET
fsr-3899	202	16	required	require	VERB
fsr-3899	202	17	fund	fund	NOUN
fsr-3899	202	18	at	at	ADP
fsr-3899	202	19	retirement	retirement	NOUN
fsr-3899	202	20	(	(	PUNCT
fsr-3899	202	21	which	which	PRON
fsr-3899	202	22	is	be	AUX
fsr-3899	202	23	also	also	ADV
fsr-3899	202	24	the	the	DET
fsr-3899	202	25	retirement	retirement	NOUN
fsr-3899	202	26	gap	gap	NOUN
fsr-3899	202	27	)	)	PUNCT
fsr-3899	202	28	for	for	ADP
fsr-3899	202	29	interest	interest	NOUN
fsr-3899	202	30	rates	rate	NOUN
fsr-3899	202	31	from	from	ADP
fsr-3899	202	32	4	4	NUM
fsr-3899	202	33	%	%	NOUN
fsr-3899	202	34	through	through	ADP
fsr-3899	202	35	12	12	NUM
fsr-3899	202	36	%	%	NOUN
fsr-3899	202	37	.	.	PUNCT
fsr-3899	203	1	what	what	PRON
fsr-3899	203	2	if	if	SCONJ
fsr-3899	203	3	the	the	DET
fsr-3899	203	4	student	student	NOUN
fsr-3899	203	5	choosesnot	choosesnot	VERB
fsr-3899	203	6	to	to	PART
fsr-3899	203	7	begin	begin	VERB
fsr-3899	203	8	saving	save	VERB
fsr-3899	203	9	for	for	ADP
fsr-3899	203	10	her	her	PRON
fsr-3899	203	11	retirement	retirement	NOUN
fsr-3899	203	12	in	in	ADP
fsr-3899	203	13	her	her	PRON
fsr-3899	203	14	first	first	ADJ
fsr-3899	203	15	year	year	NOUN
fsr-3899	203	16	of	of	ADP
fsr-3899	203	17	employment	employment	NOUN
fsr-3899	203	18	?	?	PUNCT
fsr-3899	204	1	what	what	PRON
fsr-3899	204	2	if	if	SCONJ
fsr-3899	204	3	she	she	PRON
fsr-3899	204	4	puts	put	VERB
fsr-3899	204	5	off	off	ADP
fsr-3899	204	6	saving	save	VERB
fsr-3899	204	7	for	for	ADP
fsr-3899	204	8	retirement	retirement	NOUN
fsr-3899	204	9	until	until	ADP
fsr-3899	204	10	her	her	PRON
fsr-3899	204	11	sixth	sixth	ADJ
fsr-3899	204	12	year	year	NOUN
fsr-3899	204	13	of	of	ADP
fsr-3899	204	14	employment	employment	NOUN
fsr-3899	204	15	?	?	PUNCT
fsr-3899	205	1	on	on	ADP
fsr-3899	205	2	each	each	DET
fsr-3899	205	3	spreadsheet	spreadsheet	NOUN
fsr-3899	205	4	,	,	PUNCT
fsr-3899	205	5	zero	zero	NUM
fsr-3899	205	6	out	out	ADP
fsr-3899	205	7	(	(	PUNCT
fsr-3899	205	8	that	that	ADV
fsr-3899	205	9	is	is	ADV
fsr-3899	205	10	,	,	PUNCT
fsr-3899	205	11	type	type	VERB
fsr-3899	205	12	in	in	ADP
fsr-3899	205	13	a	a	DET
fsr-3899	205	14	zero	zero	NUM
fsr-3899	205	15	)	)	PUNCT
fsr-3899	205	16	cell	cell	NOUN
fsr-3899	205	17	e6	e6	NOUN
fsr-3899	205	18	,	,	PUNCT
fsr-3899	205	19	the	the	DET
fsr-3899	205	20	retirement	retirement	NOUN
fsr-3899	205	21	fund	fund	NOUN
fsr-3899	205	22	at	at	ADP
fsr-3899	205	23	the	the	DET
fsr-3899	205	24	end	end	NOUN
fsr-3899	205	25	table	table	NOUN
fsr-3899	205	26	3	3	NUM
fsr-3899	205	27	the	the	DET
fsr-3899	205	28	constant	constant	ADJ
fsr-3899	205	29	dollar	dollar	NOUN
fsr-3899	205	30	solution	solution	NOUN
fsr-3899	205	31	a	a	DET
fsr-3899	205	32	b	b	NOUN
fsr-3899	205	33	c	c	NOUN
fsr-3899	205	34	d	d	X
fsr-3899	205	35	e	e	X
fsr-3899	205	36	f	f	PROPN
fsr-3899	206	1	g	g	PROPN
fsr-3899	206	2	h	h	NOUN
fsr-3899	206	3	i	i	NOUN
fsr-3899	206	4	1	1	NUM
fsr-3899	206	5	year	year	NOUN
fsr-3899	206	6	retirement	retirement	NOUN
fsr-3899	206	7	fund	fund	PROPN
fsr-3899	206	8	(	(	PUNCT
fsr-3899	206	9	beginning	begin	VERB
fsr-3899	206	10	of	of	ADP
fsr-3899	206	11	the	the	DET
fsr-3899	206	12	year	year	NOUN
fsr-3899	206	13	)	)	PUNCT
fsr-3899	206	14	interest	interest	NOUN
fsr-3899	206	15	earned	earn	VERB
fsr-3899	206	16	dollars	dollar	NOUN
fsr-3899	206	17	invested	invest	VERB
fsr-3899	206	18	(	(	PUNCT
fsr-3899	206	19	or	or	CCONJ
fsr-3899	206	20	)	)	PUNCT
fsr-3899	206	21	dollars	dollar	NOUN
fsr-3899	206	22	paid	pay	VERB
fsr-3899	206	23	out	out	ADP
fsr-3899	206	24	retirement	retirement	NOUN
fsr-3899	206	25	fund	fund	NOUN
fsr-3899	206	26	(	(	PUNCT
fsr-3899	206	27	end	end	NOUN
fsr-3899	206	28	of	of	ADP
fsr-3899	206	29	the	the	DET
fsr-3899	206	30	year	year	NOUN
fsr-3899	206	31	)	)	PUNCT
fsr-3899	206	32	nominal	nominal	ADJ
fsr-3899	206	33	investment	investment	NOUN
fsr-3899	206	34	interest	interest	NOUN
fsr-3899	206	35	rate	rate	NOUN
fsr-3899	206	36	salary	salary	NOUN
fsr-3899	206	37	(	(	PUNCT
fsr-3899	206	38	&	&	CCONJ
fsr-3899	206	39	price	price	NOUN
fsr-3899	206	40	)	)	PUNCT
fsr-3899	206	41	inflation	inflation	NOUN
fsr-3899	206	42	rate	rate	NOUN
fsr-3899	206	43	end	end	NOUN
fsr-3899	206	44	-	-	PUNCT
fsr-3899	206	45	ofyear	ofyear	ADJ
fsr-3899	206	46	salary	salary	NOUN
fsr-3899	206	47	constant	constant	ADJ
fsr-3899	206	48	dollar	dollar	NOUN
fsr-3899	206	49	payment	payment	NOUN
fsr-3899	206	50	amount	amount	NOUN
fsr-3899	206	51	2	2	NUM
fsr-3899	206	52	1	1	NUM
fsr-3899	206	53	$	$	SYM
fsr-3899	206	54	2	2	NUM
fsr-3899	206	55	$	$	SYM
fsr-3899	206	56	2	2	NUM
fsr-3899	206	57	$	$	SYM
fsr-3899	206	58	4,145	4,145	NUM
fsr-3899	206	59	$	$	SYM
fsr-3899	206	60	4,145	4,145	NUM
fsr-3899	206	61	8.0	8.0	NUM
fsr-3899	206	62	%	%	NOUN
fsr-3899	206	63	3.2	3.2	NUM
fsr-3899	206	64	%	%	NOUN
fsr-3899	206	65	$	$	SYM
fsr-3899	206	66	25,800	25,800	NUM
fsr-3899	206	67	$	$	SYM
fsr-3899	206	68	4,145	4,145	NUM
fsr-3899	206	69	3	3	NUM
fsr-3899	206	70	2	2	NUM
fsr-3899	206	71	$	$	SYM
fsr-3899	206	72	4,145	4,145	NUM
fsr-3899	206	73	$	$	SYM
fsr-3899	206	74	332	332	NUM
fsr-3899	206	75	$	$	SYM
fsr-3899	206	76	4,145	4,145	NUM
fsr-3899	206	77	$	$	SYM
fsr-3899	206	78	8,621	8,621	NUM
fsr-3899	206	79	$	$	SYM
fsr-3899	206	80	26,626	26,626	NUM
fsr-3899	206	81	6	6	NUM
fsr-3899	206	82	5	5	NUM
fsr-3899	206	83	$	$	SYM
fsr-3899	206	84	18,677	18,677	NUM
fsr-3899	206	85	$	$	SYM
fsr-3899	206	86	1,494	1,494	NUM
fsr-3899	206	87	$	$	SYM
fsr-3899	206	88	4,145	4,145	NUM
fsr-3899	206	89	$	$	SYM
fsr-3899	206	90	24,315	24,315	NUM
fsr-3899	206	91	$	$	SYM
fsr-3899	206	92	29,264	29,264	NUM
fsr-3899	206	93	11	11	NUM
fsr-3899	206	94	10	10	NUM
fsr-3899	206	95	$	$	SYM
fsr-3899	206	96	51,757	51,757	NUM
fsr-3899	206	97	$	$	SYM
fsr-3899	206	98	4,141	4,141	NUM
fsr-3899	206	99	$	$	SYM
fsr-3899	206	100	4,145	4,145	NUM
fsr-3899	206	101	$	$	SYM
fsr-3899	206	102	60,043	60,043	NUM
fsr-3899	206	103	$	$	SYM
fsr-3899	206	104	34,256	34,256	NUM
fsr-3899	206	105	16	16	NUM
fsr-3899	206	106	15	15	NUM
fsr-3899	206	107	$	$	SYM
fsr-3899	206	108	100,364	100,364	NUM
fsr-3899	206	109	$	$	SYM
fsr-3899	206	110	8,029	8,029	NUM
fsr-3899	206	111	$	$	SYM
fsr-3899	206	112	4,145	4,145	NUM
fsr-3899	206	113	$	$	SYM
fsr-3899	206	114	112,538	112,538	NUM
fsr-3899	206	115	$	$	SYM
fsr-3899	206	116	40,099	40,099	NUM
fsr-3899	206	117	21	21	NUM
fsr-3899	206	118	20	20	NUM
fsr-3899	206	119	$	$	SYM
fsr-3899	206	120	171,783	171,783	NUM
fsr-3899	206	121	$	$	SYM
fsr-3899	206	122	13,743	13,743	NUM
fsr-3899	206	123	$	$	SYM
fsr-3899	206	124	4,145	4,145	NUM
fsr-3899	206	125	$	$	SYM
fsr-3899	206	126	189,670	189,670	NUM
fsr-3899	206	127	$	$	SYM
fsr-3899	206	128	46,939	46,939	NUM
fsr-3899	206	129	26	26	NUM
fsr-3899	206	130	25	25	NUM
fsr-3899	206	131	$	$	SYM
fsr-3899	206	132	276,720	276,720	NUM
fsr-3899	206	133	$	$	SYM
fsr-3899	206	134	22,138	22,138	NUM
fsr-3899	206	135	$	$	SYM
fsr-3899	206	136	4,145	4,145	NUM
fsr-3899	206	137	$	$	SYM
fsr-3899	206	138	303,003	303,003	NUM
fsr-3899	206	139	$	$	SYM
fsr-3899	206	140	54,946	54,946	NUM
fsr-3899	206	141	31	31	NUM
fsr-3899	206	142	30	30	NUM
fsr-3899	206	143	$	$	SYM
fsr-3899	206	144	430,908	430,908	NUM
fsr-3899	206	145	$	$	SYM
fsr-3899	206	146	34,473	34,473	NUM
fsr-3899	206	147	$	$	SYM
fsr-3899	206	148	4,145	4,145	NUM
fsr-3899	206	149	$	$	SYM
fsr-3899	206	150	469,526	469,526	NUM
fsr-3899	206	151	retirement	retirement	NOUN
fsr-3899	206	152	gap	gap	NOUN
fsr-3899	206	153	$	$	SYM
fsr-3899	206	154	64,318	64,318	NUM
fsr-3899	206	155	32	32	NUM
fsr-3899	206	156	1	1	NUM
fsr-3899	206	157	$	$	SYM
fsr-3899	206	158	469,526	469,526	NUM
fsr-3899	206	159	$	$	SYM
fsr-3899	206	160	37,562	37,562	NUM
fsr-3899	206	161	$	$	SYM
fsr-3899	206	162	(	(	PUNCT
fsr-3899	206	163	33,188	33,188	NUM
fsr-3899	206	164	)	)	PUNCT
fsr-3899	206	165	$	$	SYM
fsr-3899	206	166	473,900	473,900	NUM
fsr-3899	206	167	33	33	NUM
fsr-3899	206	168	2	2	NUM
fsr-3899	206	169	$	$	SYM
fsr-3899	206	170	473,900	473,900	NUM
fsr-3899	206	171	$	$	SYM
fsr-3899	206	172	37,912	37,912	NUM
fsr-3899	206	173	$	$	SYM
fsr-3899	206	174	(	(	PUNCT
fsr-3899	206	175	34,250	34,250	NUM
fsr-3899	206	176	)	)	PUNCT
fsr-3899	206	177	$	$	SYM
fsr-3899	206	178	477,562	477,562	NUM
fsr-3899	206	179	36	36	NUM
fsr-3899	206	180	5	5	NUM
fsr-3899	206	181	$	$	SYM
fsr-3899	206	182	482,378	482,378	NUM
fsr-3899	206	183	$	$	SYM
fsr-3899	206	184	38,590	38,590	NUM
fsr-3899	206	185	$	$	SYM
fsr-3899	206	186	(	(	PUNCT
fsr-3899	206	187	37,644	37,644	NUM
fsr-3899	206	188	)	)	PUNCT
fsr-3899	206	189	$	$	SYM
fsr-3899	206	190	483,323	483,323	NUM
fsr-3899	206	191	41	41	NUM
fsr-3899	206	192	10	10	NUM
fsr-3899	206	193	$	$	SYM
fsr-3899	206	194	474,470	474,470	NUM
fsr-3899	206	195	$	$	SYM
fsr-3899	206	196	37,958	37,958	NUM
fsr-3899	206	197	$	$	SYM
fsr-3899	206	198	(	(	PUNCT
fsr-3899	206	199	44,065	44,065	NUM
fsr-3899	206	200	)	)	PUNCT
fsr-3899	206	201	$	$	SYM
fsr-3899	206	202	468,362	468,362	NUM
fsr-3899	206	203	46	46	NUM
fsr-3899	206	204	15	15	NUM
fsr-3899	206	205	$	$	SYM
fsr-3899	206	206	422,886	422,886	NUM
fsr-3899	206	207	$	$	SYM
fsr-3899	206	208	33,831	33,831	NUM
fsr-3899	206	209	$	$	SYM
fsr-3899	206	210	(	(	PUNCT
fsr-3899	206	211	51,582	51,582	NUM
fsr-3899	206	212	)	)	PUNCT
fsr-3899	206	213	$	$	SYM
fsr-3899	206	214	405,135	405,135	NUM
fsr-3899	206	215	51	51	NUM
fsr-3899	206	216	20	20	NUM
fsr-3899	206	217	$	$	SYM
fsr-3899	206	218	300,310	300,310	NUM
fsr-3899	206	219	$	$	SYM
fsr-3899	206	220	24,025	24,025	NUM
fsr-3899	206	221	$	$	SYM
fsr-3899	206	222	(	(	PUNCT
fsr-3899	206	223	60,380	60,380	NUM
fsr-3899	206	224	)	)	PUNCT
fsr-3899	206	225	$	$	SYM
fsr-3899	206	226	263,955	263,955	NUM
fsr-3899	206	227	56	56	NUM
fsr-3899	206	228	25	25	NUM
fsr-3899	206	229	$	$	SYM
fsr-3899	206	230	65,444	65,444	NUM
fsr-3899	206	231	$	$	SYM
fsr-3899	206	232	5,236	5,236	NUM
fsr-3899	206	233	$	$	SYM
fsr-3899	206	234	(	(	PUNCT
fsr-3899	206	235	70,679	70,679	NUM
fsr-3899	206	236	)	)	PUNCT
fsr-3899	206	237	$	$	SYM
fsr-3899	206	238	(	(	PUNCT
fsr-3899	206	239	0	0	NUM
fsr-3899	206	240	)	)	PUNCT
fsr-3899	206	241	277r.r	277r.r	NOUN
fsr-3899	206	242	.	.	PUNCT
fsr-3899	207	1	crabb	crabb	PROPN
fsr-3899	207	2	/	/	SYM
fsr-3899	207	3	financial	financial	ADJ
fsr-3899	207	4	services	service	NOUN
fsr-3899	207	5	review	review	VERB
fsr-3899	207	6	8	8	NUM
fsr-3899	207	7	(	(	PUNCT
fsr-3899	207	8	1999	1999	NUM
fsr-3899	207	9	)	)	PUNCT
fsr-3899	207	10	269–282	269–282	NUM
fsr-3899	207	11	of	of	ADP
fsr-3899	207	12	year	year	NOUN
fsr-3899	207	13	five	five	NUM
fsr-3899	207	14	.	.	PUNCT
fsr-3899	208	1	on	on	ADP
fsr-3899	208	2	the	the	DET
fsr-3899	208	3	constant	constant	ADJ
fsr-3899	208	4	growth	growth	NOUN
fsr-3899	208	5	of	of	ADP
fsr-3899	208	6	an	an	DET
fsr-3899	208	7	initial	initial	ADJ
fsr-3899	208	8	percentage	percentage	NOUN
fsr-3899	208	9	spreadsheet	spreadsheet	NOUN
fsr-3899	208	10	,	,	PUNCT
fsr-3899	208	11	one	one	NUM
fsr-3899	208	12	additional	additional	ADJ
fsr-3899	208	13	edit	edit	NOUN
fsr-3899	208	14	needs	need	VERB
fsr-3899	208	15	to	to	PART
fsr-3899	208	16	be	be	AUX
fsr-3899	208	17	made	make	VERB
fsr-3899	208	18	.	.	PUNCT
fsr-3899	209	1	since	since	SCONJ
fsr-3899	209	2	the	the	DET
fsr-3899	209	3	initial	initial	ADJ
fsr-3899	209	4	percentage	percentage	NOUN
fsr-3899	209	5	saved	save	VERB
fsr-3899	209	6	by	by	ADP
fsr-3899	209	7	our	our	PRON
fsr-3899	209	8	hypothetical	hypothetical	ADJ
fsr-3899	209	9	student	student	NOUN
fsr-3899	209	10	was	be	AUX
fsr-3899	209	11	assumed	assume	VERB
fsr-3899	209	12	to	to	PART
fsr-3899	209	13	be	be	AUX
fsr-3899	209	14	5	5	NUM
fsr-3899	209	15	%	%	NOUN
fsr-3899	209	16	,	,	PUNCT
fsr-3899	209	17	cell	cell	NOUN
fsr-3899	209	18	j7	j7	NOUN
fsr-3899	209	19	needs	need	VERB
fsr-3899	209	20	to	to	PART
fsr-3899	209	21	redefined	redefine	VERB
fsr-3899	209	22	as	as	ADP
fsr-3899	209	23	5	5	NUM
fsr-3899	209	24	%	%	NOUN
fsr-3899	209	25	.	.	PUNCT
fsr-3899	210	1	bring	bring	VERB
fsr-3899	210	2	up	up	ADP
fsr-3899	210	3	solver	solver	ADV
fsr-3899	210	4	,	,	PUNCT
fsr-3899	210	5	and	and	CCONJ
fsr-3899	210	6	push	push	VERB
fsr-3899	210	7	the	the	DET
fsr-3899	210	8	ok	ok	ADJ
fsr-3899	210	9	button	button	NOUN
fsr-3899	210	10	.	.	PUNCT
fsr-3899	211	1	while	while	SCONJ
fsr-3899	211	2	numbers	number	NOUN
fsr-3899	211	3	will	will	AUX
fsr-3899	211	4	appear	appear	VERB
fsr-3899	211	5	on	on	ADP
fsr-3899	211	6	the	the	DET
fsr-3899	211	7	monitor	monitor	NOUN
fsr-3899	211	8	in	in	ADP
fsr-3899	211	9	accumulation	accumulation	NOUN
fsr-3899	211	10	years	year	NOUN
fsr-3899	211	11	1	1	NUM
fsr-3899	211	12	through	through	ADP
fsr-3899	211	13	5	5	NUM
fsr-3899	211	14	,	,	PUNCT
fsr-3899	211	15	solver	solver	NOUN
fsr-3899	211	16	disregards	disregard	VERB
fsr-3899	211	17	these	these	DET
fsr-3899	211	18	numbers	number	NOUN
fsr-3899	211	19	because	because	SCONJ
fsr-3899	211	20	of	of	ADP
fsr-3899	211	21	the	the	DET
fsr-3899	211	22	$	$	SYM
fsr-3899	211	23	0	0	NUM
fsr-3899	211	24	entry	entry	NOUN
fsr-3899	211	25	into	into	ADP
fsr-3899	211	26	cell	cell	NOUN
fsr-3899	211	27	e6	e6	NOUN
fsr-3899	211	28	.	.	PUNCT
fsr-3899	211	29	table	table	NOUN
fsr-3899	211	30	4	4	NUM
fsr-3899	211	31	,	,	PUNCT
fsr-3899	211	32	in	in	ADP
fsr-3899	211	33	the	the	DET
fsr-3899	211	34	three	three	NUM
fsr-3899	211	35	columns	column	NOUN
fsr-3899	211	36	beginning	begin	VERB
fsr-3899	211	37	with	with	ADP
fsr-3899	211	38	the	the	DET
fsr-3899	211	39	words	word	NOUN
fsr-3899	211	40	year	year	NOUN
fsr-3899	211	41	six	six	NUM
fsr-3899	211	42	,	,	PUNCT
fsr-3899	211	43	shows	show	VERB
fsr-3899	211	44	the	the	DET
fsr-3899	211	45	effect	effect	NOUN
fsr-3899	211	46	of	of	ADP
fsr-3899	211	47	waiting	wait	VERB
fsr-3899	211	48	until	until	ADP
fsr-3899	211	49	the	the	DET
fsr-3899	211	50	end	end	NOUN
fsr-3899	211	51	of	of	ADP
fsr-3899	211	52	six	six	NUM
fsr-3899	211	53	years	year	NOUN
fsr-3899	211	54	before	before	ADP
fsr-3899	211	55	beginning	begin	VERB
fsr-3899	211	56	to	to	PART
fsr-3899	211	57	save	save	VERB
fsr-3899	211	58	for	for	ADP
fsr-3899	211	59	retirement	retirement	NOUN
fsr-3899	211	60	for	for	ADP
fsr-3899	211	61	all	all	DET
fsr-3899	211	62	three	three	NUM
fsr-3899	211	63	approaches	approach	NOUN
fsr-3899	211	64	.	.	PUNCT
fsr-3899	212	1	a	a	DET
fsr-3899	212	2	more	more	ADV
fsr-3899	212	3	interesting	interesting	ADJ
fsr-3899	212	4	“	"	PUNCT
fsr-3899	212	5	what	what	PRON
fsr-3899	212	6	if	if	SCONJ
fsr-3899	212	7	?	?	PUNCT
fsr-3899	212	8	”	"	PUNCT
fsr-3899	212	9	analysis	analysis	NOUN
fsr-3899	212	10	,	,	PUNCT
fsr-3899	212	11	feasibility	feasibility	NOUN
fsr-3899	212	12	analysis	analysis	NOUN
fsr-3899	212	13	,	,	PUNCT
fsr-3899	212	14	can	can	AUX
fsr-3899	212	15	be	be	AUX
fsr-3899	212	16	done	do	VERB
fsr-3899	212	17	on	on	ADP
fsr-3899	212	18	the	the	DET
fsr-3899	212	19	constant	constant	ADJ
fsr-3899	212	20	growth	growth	NOUN
fsr-3899	212	21	spreadsheet	spreadsheet	NOUN
fsr-3899	212	22	.	.	PUNCT
fsr-3899	213	1	column	column	PROPN
fsr-3899	213	2	j	j	PROPN
fsr-3899	213	3	shows	show	VERB
fsr-3899	213	4	the	the	DET
fsr-3899	213	5	percentage	percentage	NOUN
fsr-3899	213	6	of	of	ADP
fsr-3899	213	7	salary	salary	NOUN
fsr-3899	213	8	saved	save	VERB
fsr-3899	213	9	each	each	DET
fsr-3899	213	10	year	year	NOUN
fsr-3899	213	11	.	.	PUNCT
fsr-3899	214	1	this	this	DET
fsr-3899	214	2	column	column	NOUN
fsr-3899	214	3	lists	list	VERB
fsr-3899	214	4	what	what	DET
fsr-3899	214	5	percentage	percentage	NOUN
fsr-3899	214	6	of	of	ADP
fsr-3899	214	7	her	her	PRON
fsr-3899	214	8	salary	salary	NOUN
fsr-3899	214	9	the	the	DET
fsr-3899	214	10	hypothetical	hypothetical	ADJ
fsr-3899	214	11	student	student	NOUN
fsr-3899	214	12	must	must	AUX
fsr-3899	214	13	save	save	VERB
fsr-3899	214	14	each	each	DET
fsr-3899	214	15	year	year	NOUN
fsr-3899	214	16	,	,	PUNCT
fsr-3899	214	17	given	give	VERB
fsr-3899	214	18	the	the	DET
fsr-3899	214	19	nominal	nominal	ADJ
fsr-3899	214	20	rate	rate	NOUN
fsr-3899	214	21	of	of	ADP
fsr-3899	214	22	return	return	NOUN
fsr-3899	214	23	.	.	PUNCT
fsr-3899	215	1	if	if	SCONJ
fsr-3899	215	2	the	the	DET
fsr-3899	215	3	student	student	NOUN
fsr-3899	215	4	chooses	choose	VERB
fsr-3899	215	5	to	to	PART
fsr-3899	215	6	invest	invest	VERB
fsr-3899	215	7	conservatively	conservatively	ADV
fsr-3899	215	8	at	at	ADP
fsr-3899	215	9	4	4	NUM
fsr-3899	215	10	%	%	NOUN
fsr-3899	215	11	,	,	PUNCT
fsr-3899	215	12	by	by	ADP
fsr-3899	215	13	the	the	DET
fsr-3899	215	14	time	time	NOUN
fsr-3899	215	15	she	she	PRON
fsr-3899	215	16	gets	get	VERB
fsr-3899	215	17	to	to	ADP
fsr-3899	215	18	age	age	NOUN
fsr-3899	215	19	65	65	NUM
fsr-3899	215	20	,	,	PUNCT
fsr-3899	215	21	she	she	PRON
fsr-3899	215	22	needs	need	VERB
fsr-3899	215	23	to	to	PART
fsr-3899	215	24	save	save	VERB
fsr-3899	215	25	113	113	NUM
fsr-3899	215	26	%	%	NOUN
fsr-3899	215	27	of	of	ADP
fsr-3899	215	28	her	her	PRON
fsr-3899	215	29	salary	salary	NOUN
fsr-3899	215	30	.	.	PUNCT
fsr-3899	216	1	this	this	PRON
fsr-3899	216	2	is	be	AUX
fsr-3899	216	3	not	not	PART
fsr-3899	216	4	feasible	feasible	ADJ
fsr-3899	216	5	.	.	PUNCT
fsr-3899	217	1	even	even	ADV
fsr-3899	217	2	if	if	SCONJ
fsr-3899	217	3	she	she	PRON
fsr-3899	217	4	chooses	choose	VERB
fsr-3899	217	5	to	to	PART
fsr-3899	217	6	invest	invest	VERB
fsr-3899	217	7	a	a	DET
fsr-3899	217	8	bit	bit	NOUN
fsr-3899	217	9	more	more	ADV
fsr-3899	217	10	aggressively	aggressively	ADV
fsr-3899	217	11	,	,	PUNCT
fsr-3899	217	12	at	at	ADP
fsr-3899	217	13	6	6	NUM
fsr-3899	217	14	%	%	NOUN
fsr-3899	217	15	,	,	PUNCT
fsr-3899	217	16	she	she	PRON
fsr-3899	217	17	still	still	ADV
fsr-3899	217	18	needs	need	VERB
fsr-3899	217	19	to	to	PART
fsr-3899	217	20	save	save	VERB
fsr-3899	217	21	63	63	NUM
fsr-3899	217	22	%	%	NOUN
fsr-3899	217	23	of	of	ADP
fsr-3899	217	24	her	her	PRON
fsr-3899	217	25	salary	salary	NOUN
fsr-3899	217	26	in	in	ADP
fsr-3899	217	27	her	her	PRON
fsr-3899	217	28	last	last	ADJ
fsr-3899	217	29	year	year	NOUN
fsr-3899	217	30	of	of	ADP
fsr-3899	217	31	employment	employment	NOUN
fsr-3899	217	32	.	.	PUNCT
fsr-3899	218	1	again	again	ADV
fsr-3899	218	2	,	,	PUNCT
fsr-3899	218	3	this	this	PRON
fsr-3899	218	4	is	be	AUX
fsr-3899	218	5	not	not	PART
fsr-3899	218	6	feasible	feasible	ADJ
fsr-3899	218	7	.	.	PUNCT
fsr-3899	219	1	sensitivity	sensitivity	NOUN
fsr-3899	219	2	and	and	CCONJ
fsr-3899	219	3	feasibility	feasibility	NOUN
fsr-3899	219	4	analyses	analysis	NOUN
fsr-3899	219	5	allow	allow	VERB
fsr-3899	219	6	students	student	NOUN
fsr-3899	219	7	to	to	PART
fsr-3899	219	8	quickly	quickly	ADV
fsr-3899	219	9	grasp	grasp	VERB
fsr-3899	219	10	important	important	ADJ
fsr-3899	219	11	retirement	retirement	NOUN
fsr-3899	219	12	concepts	concept	NOUN
fsr-3899	219	13	.	.	PUNCT
fsr-3899	220	1	again	again	ADV
fsr-3899	220	2	,	,	PUNCT
fsr-3899	220	3	the	the	DET
fsr-3899	220	4	real	real	ADJ
fsr-3899	220	5	issue	issue	NOUN
fsr-3899	220	6	is	be	AUX
fsr-3899	220	7	understanding	understanding	NOUN
fsr-3899	220	8	,	,	PUNCT
fsr-3899	220	9	not	not	PART
fsr-3899	220	10	methodology	methodology	NOUN
fsr-3899	220	11	,	,	PUNCT
fsr-3899	220	12	not	not	PART
fsr-3899	220	13	machinery	machinery	NOUN
fsr-3899	220	14	.	.	PUNCT
fsr-3899	221	1	from	from	ADP
fsr-3899	221	2	an	an	DET
fsr-3899	221	3	instructional	instructional	ADJ
fsr-3899	221	4	standpoint	standpoint	NOUN
fsr-3899	221	5	,	,	PUNCT
fsr-3899	221	6	the	the	DET
fsr-3899	221	7	important	important	ADJ
fsr-3899	221	8	questions	question	NOUN
fsr-3899	221	9	are	be	AUX
fsr-3899	221	10	1	1	NUM
fsr-3899	221	11	.	.	X
fsr-3899	222	1	do	do	AUX
fsr-3899	222	2	students	student	NOUN
fsr-3899	222	3	know	know	VERB
fsr-3899	222	4	how	how	SCONJ
fsr-3899	222	5	to	to	PART
fsr-3899	222	6	compute	compute	VERB
fsr-3899	222	7	the	the	DET
fsr-3899	222	8	savings	saving	NOUN
fsr-3899	222	9	amount	amount	NOUN
fsr-3899	222	10	required	require	VERB
fsr-3899	222	11	to	to	PART
fsr-3899	222	12	fund	fund	VERB
fsr-3899	222	13	a	a	DET
fsr-3899	222	14	person	person	NOUN
fsr-3899	222	15	’s	’s	PART
fsr-3899	222	16	retirement	retirement	NOUN
fsr-3899	222	17	;	;	PUNCT
fsr-3899	222	18	2	2	X
fsr-3899	222	19	.	.	X
fsr-3899	222	20	do	do	AUX
fsr-3899	222	21	they	they	PRON
fsr-3899	222	22	understand	understand	VERB
fsr-3899	222	23	the	the	DET
fsr-3899	222	24	accumulation	accumulation	NOUN
fsr-3899	222	25	and	and	CCONJ
fsr-3899	222	26	liquidation	liquidation	NOUN
fsr-3899	222	27	process	process	NOUN
fsr-3899	222	28	inherent	inherent	ADJ
fsr-3899	222	29	in	in	ADP
fsr-3899	222	30	retirement	retirement	NOUN
fsr-3899	222	31	funding	funding	NOUN
fsr-3899	222	32	;	;	PUNCT
fsr-3899	222	33	3	3	X
fsr-3899	222	34	.	.	X
fsr-3899	222	35	can	can	AUX
fsr-3899	222	36	they	they	PRON
fsr-3899	222	37	compute	compute	VERB
fsr-3899	222	38	the	the	DET
fsr-3899	222	39	size	size	NOUN
fsr-3899	222	40	of	of	ADP
fsr-3899	222	41	the	the	DET
fsr-3899	222	42	retirement	retirement	NOUN
fsr-3899	222	43	gap	gap	NOUN
fsr-3899	222	44	;	;	PUNCT
fsr-3899	222	45	4	4	X
fsr-3899	222	46	.	.	X
fsr-3899	222	47	do	do	AUX
fsr-3899	222	48	they	they	PRON
fsr-3899	222	49	understand	understand	VERB
fsr-3899	222	50	the	the	DET
fsr-3899	222	51	need	need	NOUN
fsr-3899	222	52	to	to	PART
fsr-3899	222	53	begin	begin	VERB
fsr-3899	222	54	saving	save	VERB
fsr-3899	222	55	for	for	ADP
fsr-3899	222	56	their	their	PRON
fsr-3899	222	57	retirements	retirement	NOUN
fsr-3899	222	58	early	early	ADV
fsr-3899	222	59	in	in	ADP
fsr-3899	222	60	their	their	PRON
fsr-3899	222	61	careers	career	NOUN
fsr-3899	222	62	;	;	PUNCT
fsr-3899	222	63	5	5	X
fsr-3899	222	64	.	.	X
fsr-3899	222	65	do	do	AUX
fsr-3899	222	66	they	they	PRON
fsr-3899	222	67	understand	understand	VERB
fsr-3899	222	68	the	the	DET
fsr-3899	222	69	need	need	NOUN
fsr-3899	222	70	to	to	PART
fsr-3899	222	71	invest	invest	VERB
fsr-3899	222	72	aggressively	aggressively	ADV
fsr-3899	222	73	when	when	SCONJ
fsr-3899	222	74	they	they	PRON
fsr-3899	222	75	are	be	AUX
fsr-3899	222	76	young	young	ADJ
fsr-3899	222	77	(	(	PUNCT
fsr-3899	222	78	or	or	CCONJ
fsr-3899	222	79	,	,	PUNCT
fsr-3899	222	80	alternately	alternately	ADV
fsr-3899	222	81	stated	state	VERB
fsr-3899	222	82	,	,	PUNCT
fsr-3899	222	83	understand	understand	VERB
fsr-3899	222	84	the	the	DET
fsr-3899	222	85	long	long	ADV
fsr-3899	222	86	-	-	PUNCT
fsr-3899	222	87	run	run	VERB
fsr-3899	222	88	cost	cost	NOUN
fsr-3899	222	89	of	of	ADP
fsr-3899	222	90	investing	invest	VERB
fsr-3899	222	91	conservatively	conservatively	ADV
fsr-3899	222	92	when	when	SCONJ
fsr-3899	222	93	they	they	PRON
fsr-3899	222	94	get	get	VERB
fsr-3899	222	95	old	old	ADJ
fsr-3899	222	96	)	)	PUNCT
fsr-3899	222	97	;	;	PUNCT
fsr-3899	222	98	and	and	CCONJ
fsr-3899	222	99	,	,	PUNCT
fsr-3899	222	100	table	table	NOUN
fsr-3899	222	101	4	4	NUM
fsr-3899	222	102	sensitivity	sensitivity	NOUN
fsr-3899	222	103	analysis	analysis	NOUN
fsr-3899	222	104	and	and	CCONJ
fsr-3899	222	105	funding	funding	NOUN
fsr-3899	222	106	amounts	amount	NOUN
fsr-3899	222	107	(	(	PUNCT
fsr-3899	222	108	in	in	ADP
fsr-3899	222	109	dollars	dollar	NOUN
fsr-3899	222	110	or	or	CCONJ
fsr-3899	222	111	percentages	percentage	NOUN
fsr-3899	222	112	)	)	PUNCT
fsr-3899	222	113	nominal	nominal	ADJ
fsr-3899	222	114	rate	rate	NOUN
fsr-3899	222	115	real	real	ADJ
fsr-3899	222	116	rate	rate	NOUN
fsr-3899	222	117	retirement	retirement	NOUN
fsr-3899	222	118	fund(gap	fund(gap	NOUN
fsr-3899	222	119	)	)	PUNCT
fsr-3899	222	120	year	year	NOUN
fsr-3899	222	121	one	one	NUM
fsr-3899	222	122	cash	cash	NOUN
fsr-3899	222	123	flow	flow	NOUN
fsr-3899	222	124	constant	constant	ADJ
fsr-3899	222	125	dollar	dollar	NOUN
fsr-3899	222	126	year	year	NOUN
fsr-3899	222	127	six	six	NUM
fsr-3899	222	128	cash	cash	NOUN
fsr-3899	222	129	flow	flow	NOUN
fsr-3899	222	130	constant	constant	ADJ
fsr-3899	222	131	dollar	dollar	NOUN
fsr-3899	222	132	year	year	NOUN
fsr-3899	222	133	one	one	NUM
fsr-3899	222	134	cash	cash	NOUN
fsr-3899	222	135	flow	flow	NOUN
fsr-3899	222	136	constant	constant	ADJ
fsr-3899	222	137	percentage	percentage	NOUN
fsr-3899	222	138	year	year	NOUN
fsr-3899	222	139	six	six	NUM
fsr-3899	222	140	cash	cash	NOUN
fsr-3899	222	141	flow	flow	NOUN
fsr-3899	222	142	constant	constant	ADJ
fsr-3899	222	143	percentage	percentage	NOUN
fsr-3899	222	144	year	year	NOUN
fsr-3899	222	145	one	one	NUM
fsr-3899	222	146	cash	cash	NOUN
fsr-3899	222	147	flow	flow	NOUN
fsr-3899	222	148	constant	constant	ADJ
fsr-3899	222	149	growtha	growtha	PROPN
fsr-3899	222	150	year	year	NOUN
fsr-3899	222	151	six	six	NUM
fsr-3899	222	152	cash	cash	NOUN
fsr-3899	222	153	flow	flow	NOUN
fsr-3899	222	154	constant	constant	ADJ
fsr-3899	222	155	growthb	growthb	NOUN
fsr-3899	222	156	4	4	NUM
fsr-3899	222	157	%	%	NOUN
fsr-3899	222	158	0.78	0.78	NUM
fsr-3899	222	159	%	%	NOUN
fsr-3899	222	160	$	$	SYM
fsr-3899	222	161	728,311	728,311	NUM
fsr-3899	222	162	$	$	SYM
fsr-3899	222	163	12,986	12,986	NUM
fsr-3899	222	164	$	$	SYM
fsr-3899	222	165	17,488	17,488	NUM
fsr-3899	222	166	33.7	33.7	NUM
fsr-3899	222	167	%	%	NOUN
fsr-3899	222	168	41.2	41.2	NUM
fsr-3899	222	169	%	%	NOUN
fsr-3899	222	170	11.4	11.4	NUM
fsr-3899	222	171	%	%	NOUN
fsr-3899	222	172	15.1	15.1	NUM
fsr-3899	222	173	%	%	NOUN
fsr-3899	222	174	5	5	NUM
fsr-3899	222	175	%	%	NOUN
fsr-3899	222	176	1.74	1.74	NUM
fsr-3899	222	177	%	%	NOUN
fsr-3899	222	178	$	$	SYM
fsr-3899	222	179	647,123	647,123	NUM
fsr-3899	222	180	$	$	SYM
fsr-3899	222	181	9,740	9,740	NUM
fsr-3899	222	182	$	$	SYM
fsr-3899	222	183	13,559	13,559	NUM
fsr-3899	222	184	25.8	25.8	NUM
fsr-3899	222	185	%	%	NOUN
fsr-3899	222	186	32.5	32.5	NUM
fsr-3899	222	187	%	%	NOUN
fsr-3899	222	188	10.3	10.3	NUM
fsr-3899	222	189	%	%	NOUN
fsr-3899	222	190	13.9	13.9	NUM
fsr-3899	222	191	%	%	NOUN
fsr-3899	222	192	6	6	NUM
fsr-3899	222	193	%	%	NOUN
fsr-3899	222	194	2.71	2.71	NUM
fsr-3899	222	195	%	%	NOUN
fsr-3899	222	196	$	$	SYM
fsr-3899	222	197	578,313	578,313	NUM
fsr-3899	222	198	$	$	SYM
fsr-3899	222	199	7,315	7,315	NUM
fsr-3899	222	200	$	$	SYM
fsr-3899	222	201	10,541	10,541	NUM
fsr-3899	222	202	19.8	19.8	NUM
fsr-3899	222	203	%	%	NOUN
fsr-3899	222	204	25.6	25.6	NUM
fsr-3899	222	205	%	%	NOUN
fsr-3899	222	206	9.1	9.1	NUM
fsr-3899	222	207	%	%	NOUN
fsr-3899	222	208	12.7	12.7	NUM
fsr-3899	222	209	%	%	NOUN
fsr-3899	222	210	7	7	NUM
fsr-3899	222	211	%	%	NOUN
fsr-3899	222	212	3.68	3.68	NUM
fsr-3899	222	213	%	%	NOUN
fsr-3899	222	214	$	$	SYM
fsr-3899	222	215	519,700	519,700	NUM
fsr-3899	222	216	$	$	SYM
fsr-3899	222	217	5,502	5,502	NUM
fsr-3899	222	218	$	$	SYM
fsr-3899	222	219	8,217	8,217	NUM
fsr-3899	222	220	15.2	15.2	NUM
fsr-3899	222	221	%	%	NOUN
fsr-3899	222	222	20.2	20.2	NUM
fsr-3899	222	223	%	%	NOUN
fsr-3899	222	224	7.9	7.9	NUM
fsr-3899	222	225	%	%	NOUN
fsr-3899	222	226	11.4	11.4	NUM
fsr-3899	222	227	%	%	NOUN
fsr-3899	222	228	8	8	NUM
fsr-3899	222	229	%	%	NOUN
fsr-3899	222	230	4.65	4.65	NUM
fsr-3899	222	231	%	%	NOUN
fsr-3899	222	232	$	$	SYM
fsr-3899	222	233	469,526	469,526	NUM
fsr-3899	222	234	$	$	SYM
fsr-3899	222	235	4,145	4,145	NUM
fsr-3899	222	236	$	$	SYM
fsr-3899	222	237	6,423	6,423	NUM
fsr-3899	222	238	11.7	11.7	NUM
fsr-3899	222	239	%	%	NOUN
fsr-3899	222	240	16.0	16.0	NUM
fsr-3899	222	241	%	%	NOUN
fsr-3899	222	242	6.5	6.5	NUM
fsr-3899	222	243	%	%	NOUN
fsr-3899	222	244	10.1	10.1	NUM
fsr-3899	222	245	%	%	NOUN
fsr-3899	222	246	9	9	NUM
fsr-3899	222	247	%	%	NOUN
fsr-3899	222	248	5.62	5.62	NUM
fsr-3899	222	249	%	%	NOUN
fsr-3899	222	250	$	$	SYM
fsr-3899	222	251	426,364	426,364	NUM
fsr-3899	222	252	$	$	SYM
fsr-3899	222	253	3,128	3,128	NUM
fsr-3899	222	254	$	$	SYM
fsr-3899	222	255	5,034	5,034	NUM
fsr-3899	222	256	9.0	9.0	NUM
fsr-3899	222	257	%	%	NOUN
fsr-3899	222	258	12.7	12.7	NUM
fsr-3899	222	259	%	%	NOUN
fsr-3899	222	260	4.9	4.9	NUM
fsr-3899	222	261	%	%	NOUN
fsr-3899	222	262	8.6	8.6	NUM
fsr-3899	222	263	%	%	NOUN
fsr-3899	222	264	10	10	NUM
fsr-3899	222	265	%	%	NOUN
fsr-3899	222	266	6.59	6.59	NUM
fsr-3899	222	267	%	%	NOUN
fsr-3899	222	268	$	$	SYM
fsr-3899	222	269	389,056	389,056	NUM
fsr-3899	222	270	$	$	SYM
fsr-3899	222	271	2,365	2,365	NUM
fsr-3899	222	272	$	$	SYM
fsr-3899	222	273	3,956	3,956	NUM
fsr-3899	222	274	6.9	6.9	NUM
fsr-3899	222	275	%	%	NOUN
fsr-3899	222	276	10.1	10.1	NUM
fsr-3899	222	277	%	%	NOUN
fsr-3899	222	278	3.0	3.0	NUM
fsr-3899	222	279	%	%	NOUN
fsr-3899	222	280	7.0	7.0	NUM
fsr-3899	222	281	%	%	NOUN
fsr-3899	222	282	11	11	NUM
fsr-3899	222	283	%	%	NOUN
fsr-3899	222	284	7.56	7.56	NUM
fsr-3899	222	285	%	%	NOUN
fsr-3899	222	286	$	$	SYM
fsr-3899	222	287	356,653	356,653	NUM
fsr-3899	222	288	$	$	SYM
fsr-3899	222	289	1,792	1,792	NUM
fsr-3899	222	290	$	$	SYM
fsr-3899	222	291	3,117	3,117	NUM
fsr-3899	222	292	5.3	5.3	NUM
fsr-3899	222	293	%	%	NOUN
fsr-3899	222	294	8.1	8.1	NUM
fsr-3899	222	295	%	%	NOUN
fsr-3899	222	296	0.6	0.6	NUM
fsr-3899	222	297	%	%	NOUN
fsr-3899	222	298	5.1	5.1	NUM
fsr-3899	222	299	%	%	NOUN
fsr-3899	222	300	12	12	NUM
fsr-3899	222	301	%	%	NOUN
fsr-3899	222	302	8.53	8.53	NUM
fsr-3899	222	303	%	%	NOUN
fsr-3899	222	304	$	$	SYM
fsr-3899	222	305	328,379	328,379	NUM
fsr-3899	222	306	$	$	SYM
fsr-3899	222	307	1,361	1,361	NUM
fsr-3899	222	308	$	$	SYM
fsr-3899	222	309	2,463	2,463	NUM
fsr-3899	222	310	4.1	4.1	NUM
fsr-3899	222	311	%	%	NOUN
fsr-3899	222	312	6.5	6.5	NUM
fsr-3899	222	313	%	%	NOUN
fsr-3899	222	314	22.4	22.4	NUM
fsr-3899	222	315	%	%	NOUN
fsr-3899	222	316	3.0	3.0	NUM
fsr-3899	222	317	%	%	NOUN
fsr-3899	222	318	a	a	DET
fsr-3899	222	319	assumes	assume	NOUN
fsr-3899	222	320	savings	saving	NOUN
fsr-3899	222	321	5	5	NUM
fsr-3899	222	322	%	%	NOUN
fsr-3899	222	323	of	of	ADP
fsr-3899	222	324	her	her	PRON
fsr-3899	222	325	end	end	NOUN
fsr-3899	222	326	-	-	PUNCT
fsr-3899	222	327	of	of	ADP
fsr-3899	222	328	-	-	PUNCT
fsr-3899	222	329	year	year	NOUN
fsr-3899	222	330	one	one	NUM
fsr-3899	222	331	salary	salary	NOUN
fsr-3899	222	332	.	.	PUNCT
fsr-3899	223	1	b	b	NOUN
fsr-3899	223	2	assumes	assume	VERB
fsr-3899	223	3	savings	saving	NOUN
fsr-3899	223	4	5	5	NUM
fsr-3899	223	5	%	%	NOUN
fsr-3899	223	6	of	of	ADP
fsr-3899	223	7	her	her	PRON
fsr-3899	223	8	end	end	NOUN
fsr-3899	223	9	-	-	PUNCT
fsr-3899	223	10	of	of	ADP
fsr-3899	223	11	-	-	PUNCT
fsr-3899	223	12	year	year	NOUN
fsr-3899	223	13	six	six	NUM
fsr-3899	223	14	salary	salary	NOUN
fsr-3899	223	15	.	.	PUNCT
fsr-3899	224	1	278	278	NUM
fsr-3899	224	2	r.r	r.r	PROPN
fsr-3899	224	3	.	.	PROPN
fsr-3899	224	4	crabb	crabb	PROPN
fsr-3899	224	5	/	/	SYM
fsr-3899	224	6	financial	financial	ADJ
fsr-3899	224	7	services	service	NOUN
fsr-3899	224	8	review	review	VERB
fsr-3899	224	9	8	8	NUM
fsr-3899	224	10	(	(	PUNCT
fsr-3899	224	11	1999	1999	NUM
fsr-3899	224	12	)	)	PUNCT
fsr-3899	224	13	269–282	269–282	NUM
fsr-3899	224	14	6	6	NUM
fsr-3899	224	15	.	.	PUNCT
fsr-3899	225	1	can	can	AUX
fsr-3899	225	2	these	these	DET
fsr-3899	225	3	concepts	concept	NOUN
fsr-3899	225	4	quickly	quickly	ADV
fsr-3899	225	5	and	and	CCONJ
fsr-3899	225	6	easily	easily	ADV
fsr-3899	225	7	become	become	VERB
fsr-3899	225	8	integral	integral	ADJ
fsr-3899	225	9	parts	part	NOUN
fsr-3899	225	10	of	of	ADP
fsr-3899	225	11	the	the	DET
fsr-3899	225	12	student	student	NOUN
fsr-3899	225	13	’s	’s	PART
fsr-3899	225	14	knowledge	knowledge	NOUN
fsr-3899	225	15	base	base	NOUN
fsr-3899	225	16	?	?	PUNCT
fsr-3899	226	1	for	for	ADP
fsr-3899	226	2	most	most	ADJ
fsr-3899	226	3	students	student	NOUN
fsr-3899	226	4	,	,	PUNCT
fsr-3899	226	5	the	the	DET
fsr-3899	226	6	cash	cash	NOUN
fsr-3899	226	7	flow	flow	NOUN
fsr-3899	226	8	solver	solver	NOUN
fsr-3899	226	9	methodology	methodology	NOUN
fsr-3899	226	10	produces	produce	VERB
fsr-3899	226	11	“	"	PUNCT
fsr-3899	226	12	yes	yes	INTJ
fsr-3899	226	13	”	"	PUNCT
fsr-3899	226	14	answers	answer	NOUN
fsr-3899	226	15	to	to	ADP
fsr-3899	226	16	most	most	ADJ
fsr-3899	226	17	of	of	ADP
fsr-3899	226	18	the	the	DET
fsr-3899	226	19	above	above	ADJ
fsr-3899	226	20	questions	question	NOUN
fsr-3899	226	21	.	.	PUNCT
fsr-3899	227	1	5	5	X
fsr-3899	227	2	.	.	X
fsr-3899	227	3	evaluating	evaluate	VERB
fsr-3899	227	4	alternative	alternative	ADJ
fsr-3899	227	5	investments	investment	NOUN
fsr-3899	227	6	consider	consider	VERB
fsr-3899	227	7	an	an	DET
fsr-3899	227	8	individual	individual	ADJ
fsr-3899	227	9	investor	investor	NOUN
fsr-3899	227	10	who	who	PRON
fsr-3899	227	11	needs	need	VERB
fsr-3899	227	12	to	to	PART
fsr-3899	227	13	choose	choose	VERB
fsr-3899	227	14	between	between	ADP
fsr-3899	227	15	two	two	NUM
fsr-3899	227	16	possible	possible	ADJ
fsr-3899	227	17	investments	investment	NOUN
fsr-3899	227	18	.	.	PUNCT
fsr-3899	228	1	one	one	NUM
fsr-3899	228	2	costs	cost	VERB
fsr-3899	228	3	$	$	SYM
fsr-3899	228	4	10,000	10,000	NUM
fsr-3899	228	5	,	,	PUNCT
fsr-3899	228	6	and	and	CCONJ
fsr-3899	228	7	the	the	DET
fsr-3899	228	8	investor	investor	NOUN
fsr-3899	228	9	expects	expect	VERB
fsr-3899	228	10	that	that	PRON
fsr-3899	228	11	s	s	X
fsr-3899	228	12	/	/	SYM
fsr-3899	228	13	he	he	PRON
fsr-3899	228	14	should	should	AUX
fsr-3899	228	15	double	double	VERB
fsr-3899	228	16	her	she	PRON
fsr-3899	228	17	/	/	SYM
fsr-3899	228	18	his	his	PRON
fsr-3899	228	19	investment	investment	NOUN
fsr-3899	228	20	in	in	ADP
fsr-3899	228	21	nine	nine	NUM
fsr-3899	228	22	years	year	NOUN
fsr-3899	228	23	.	.	PUNCT
fsr-3899	229	1	the	the	DET
fsr-3899	229	2	other	other	ADJ
fsr-3899	229	3	investment	investment	NOUN
fsr-3899	229	4	also	also	ADV
fsr-3899	229	5	costs	cost	VERB
fsr-3899	229	6	$	$	SYM
fsr-3899	229	7	10,000	10,000	NUM
fsr-3899	229	8	,	,	PUNCT
fsr-3899	229	9	and	and	CCONJ
fsr-3899	229	10	the	the	DET
fsr-3899	229	11	investor	investor	NOUN
fsr-3899	229	12	expects	expect	VERB
fsr-3899	229	13	to	to	PART
fsr-3899	229	14	triple	triple	VERB
fsr-3899	229	15	her	she	PRON
fsr-3899	229	16	/	/	SYM
fsr-3899	229	17	his	his	PRON
fsr-3899	229	18	investment	investment	NOUN
fsr-3899	229	19	in	in	ADP
fsr-3899	229	20	14	14	NUM
fsr-3899	229	21	years	year	NOUN
fsr-3899	229	22	.	.	PUNCT
fsr-3899	230	1	which	which	DET
fsr-3899	230	2	investment	investment	NOUN
fsr-3899	230	3	offers	offer	VERB
fsr-3899	230	4	the	the	DET
fsr-3899	230	5	investor	investor	NOUN
fsr-3899	230	6	the	the	DET
fsr-3899	230	7	highest	high	ADJ
fsr-3899	230	8	rate	rate	NOUN
fsr-3899	230	9	of	of	ADP
fsr-3899	230	10	return	return	NOUN
fsr-3899	230	11	?	?	PUNCT
fsr-3899	231	1	the	the	DET
fsr-3899	231	2	cash	cash	NOUN
fsr-3899	231	3	flow	flow	NOUN
fsr-3899	231	4	methodology	methodology	NOUN
fsr-3899	231	5	spreadsheet	spreadsheet	NOUN
fsr-3899	231	6	solution	solution	NOUN
fsr-3899	231	7	to	to	ADP
fsr-3899	231	8	this	this	DET
fsr-3899	231	9	problem	problem	NOUN
fsr-3899	231	10	is	be	AUX
fsr-3899	231	11	shown	show	VERB
fsr-3899	231	12	in	in	ADP
fsr-3899	231	13	table	table	NOUN
fsr-3899	231	14	5	5	NUM
fsr-3899	231	15	.	.	PUNCT
fsr-3899	232	1	the	the	DET
fsr-3899	232	2	$	$	SYM
fsr-3899	232	3	10,000	10,000	NUM
fsr-3899	232	4	investment	investment	NOUN
fsr-3899	232	5	is	be	AUX
fsr-3899	232	6	set	set	VERB
fsr-3899	232	7	up	up	ADP
fsr-3899	232	8	to	to	PART
fsr-3899	232	9	grow	grow	VERB
fsr-3899	232	10	an	an	DET
fsr-3899	232	11	arbitrary	arbitrary	ADJ
fsr-3899	232	12	interest	interest	NOUN
fsr-3899	232	13	rate	rate	NOUN
fsr-3899	232	14	.	.	PUNCT
fsr-3899	233	1	use	use	NOUN
fsr-3899	233	2	goal	goal	NOUN
fsr-3899	233	3	seek	seek	VERB
fsr-3899	233	4	to	to	PART
fsr-3899	233	5	target	target	VERB
fsr-3899	233	6	the	the	DET
fsr-3899	233	7	eoy	eoy	NOUN
fsr-3899	233	8	(	(	PUNCT
fsr-3899	233	9	end	end	NOUN
fsr-3899	233	10	of	of	ADP
fsr-3899	233	11	year	year	NOUN
fsr-3899	233	12	)	)	PUNCT
fsr-3899	233	13	table	table	NOUN
fsr-3899	233	14	5	5	NUM
fsr-3899	233	15	cash	cash	NOUN
fsr-3899	233	16	flow	flow	NOUN
fsr-3899	233	17	investment	investment	NOUN
fsr-3899	233	18	spreadsheet	spreadsheet	NOUN
fsr-3899	233	19	,	,	PUNCT
fsr-3899	233	20	irr	irr	PROPN
fsr-3899	233	21	computationa	computationa	PROPN
fsr-3899	233	22	a	a	DET
fsr-3899	233	23	b	b	NOUN
fsr-3899	233	24	c	c	NOUN
fsr-3899	233	25	d	d	PROPN
fsr-3899	233	26	e	e	X
fsr-3899	233	27	f	f	PROPN
fsr-3899	233	28	g	g	PROPN
fsr-3899	234	1	h	h	NOUN
fsr-3899	235	1	i	i	INTJ
fsr-3899	235	2	j	j	PROPN
fsr-3899	236	1	k	k	NOUN
fsr-3899	236	2	1	1	NUM
fsr-3899	236	3	8.0	8.0	NUM
fsr-3899	236	4	%	%	NOUN
fsr-3899	236	5	8.2	8.2	NUM
fsr-3899	236	6	%	%	NOUN
fsr-3899	236	7	2	2	NUM
fsr-3899	236	8	year	year	NOUN
fsr-3899	236	9	investment	investment	NOUN
fsr-3899	236	10	(	(	PUNCT
fsr-3899	236	11	boy	boy	NOUN
fsr-3899	236	12	)	)	PUNCT
fsr-3899	236	13	implicit	implicit	ADJ
fsr-3899	236	14	interest	interest	NOUN
fsr-3899	236	15	investment	investment	NOUN
fsr-3899	236	16	(	(	PUNCT
fsr-3899	236	17	eoy	eoy	PROPN
fsr-3899	236	18	)	)	PUNCT
fsr-3899	236	19	year	year	NOUN
fsr-3899	236	20	investment	investment	NOUN
fsr-3899	236	21	(	(	PUNCT
fsr-3899	236	22	boy	boy	NOUN
fsr-3899	236	23	)	)	PUNCT
fsr-3899	236	24	implicit	implicit	ADJ
fsr-3899	236	25	interest	interest	NOUN
fsr-3899	236	26	investment	investment	NOUN
fsr-3899	236	27	(	(	PUNCT
fsr-3899	236	28	eoy	eoy	PROPN
fsr-3899	236	29	)	)	PUNCT
fsr-3899	236	30	(	(	PUNCT
fsr-3899	236	31	$	$	SYM
fsr-3899	236	32	10,000	10,000	NUM
fsr-3899	236	33	)	)	PUNCT
fsr-3899	236	34	3	3	NUM
fsr-3899	236	35	1	1	NUM
fsr-3899	236	36	$	$	SYM
fsr-3899	236	37	10,000	10,000	NUM
fsr-3899	236	38	$	$	SYM
fsr-3899	236	39	801	801	NUM
fsr-3899	236	40	$	$	SYM
fsr-3899	236	41	10,801	10,801	NUM
fsr-3899	236	42	1	1	NUM
fsr-3899	236	43	$	$	SYM
fsr-3899	236	44	10,000	10,000	NUM
fsr-3899	236	45	$	$	SYM
fsr-3899	236	46	816	816	NUM
fsr-3899	236	47	$	$	SYM
fsr-3899	236	48	10,816	10,816	NUM
fsr-3899	236	49	$	$	SYM
fsr-3899	236	50	0	0	NUM
fsr-3899	236	51	4	4	NUM
fsr-3899	236	52	2	2	NUM
fsr-3899	236	53	$	$	SYM
fsr-3899	236	54	10,801	10,801	NUM
fsr-3899	236	55	$	$	SYM
fsr-3899	236	56	865	865	NUM
fsr-3899	236	57	$	$	SYM
fsr-3899	236	58	11,665	11,665	NUM
fsr-3899	236	59	2	2	NUM
fsr-3899	236	60	$	$	SYM
fsr-3899	236	61	10,816	10,816	NUM
fsr-3899	236	62	$	$	SYM
fsr-3899	236	63	883	883	NUM
fsr-3899	236	64	$	$	SYM
fsr-3899	236	65	11,699	11,699	NUM
fsr-3899	236	66	$	$	SYM
fsr-3899	236	67	0	0	NUM
fsr-3899	236	68	5	5	NUM
fsr-3899	236	69	3	3	NUM
fsr-3899	236	70	$	$	SYM
fsr-3899	236	71	11,665	11,665	NUM
fsr-3899	236	72	$	$	SYM
fsr-3899	236	73	934	934	NUM
fsr-3899	236	74	$	$	SYM
fsr-3899	236	75	12,599	12,599	NUM
fsr-3899	236	76	3	3	NUM
fsr-3899	236	77	$	$	SYM
fsr-3899	236	78	11,699	11,699	NUM
fsr-3899	236	79	$	$	SYM
fsr-3899	236	80	955	955	NUM
fsr-3899	236	81	$	$	SYM
fsr-3899	236	82	12,654	12,654	NUM
fsr-3899	236	83	$	$	SYM
fsr-3899	236	84	0	0	NUM
fsr-3899	236	85	6	6	NUM
fsr-3899	236	86	4	4	NUM
fsr-3899	236	87	$	$	SYM
fsr-3899	236	88	12,599	12,599	NUM
fsr-3899	236	89	$	$	SYM
fsr-3899	236	90	1,009	1,009	NUM
fsr-3899	236	91	$	$	SYM
fsr-3899	236	92	13,608	13,608	NUM
fsr-3899	236	93	4	4	NUM
fsr-3899	236	94	$	$	SYM
fsr-3899	236	95	12,654	12,654	NUM
fsr-3899	236	96	$	$	SYM
fsr-3899	236	97	1,033	1,033	NUM
fsr-3899	236	98	$	$	SYM
fsr-3899	236	99	13,687	13,687	NUM
fsr-3899	236	100	$	$	SYM
fsr-3899	236	101	0	0	NUM
fsr-3899	236	102	7	7	NUM
fsr-3899	236	103	5	5	NUM
fsr-3899	236	104	$	$	SYM
fsr-3899	236	105	13,608	13,608	NUM
fsr-3899	236	106	$	$	SYM
fsr-3899	236	107	1,089	1,089	NUM
fsr-3899	236	108	$	$	SYM
fsr-3899	236	109	14,697	14,697	NUM
fsr-3899	236	110	5	5	NUM
fsr-3899	236	111	$	$	SYM
fsr-3899	236	112	13,687	13,687	NUM
fsr-3899	236	113	$	$	SYM
fsr-3899	236	114	1,117	1,117	NUM
fsr-3899	236	115	$	$	SYM
fsr-3899	236	116	14,805	14,805	NUM
fsr-3899	236	117	$	$	SYM
fsr-3899	236	118	0	0	NUM
fsr-3899	236	119	8	8	NUM
fsr-3899	236	120	6	6	NUM
fsr-3899	236	121	$	$	SYM
fsr-3899	236	122	14,697	14,697	NUM
fsr-3899	236	123	$	$	SYM
fsr-3899	236	124	1,177	1,177	NUM
fsr-3899	236	125	$	$	SYM
fsr-3899	236	126	15,874	15,874	NUM
fsr-3899	236	127	6	6	NUM
fsr-3899	236	128	$	$	SYM
fsr-3899	236	129	14,805	14,805	NUM
fsr-3899	236	130	$	$	SYM
fsr-3899	236	131	1,209	1,209	NUM
fsr-3899	236	132	$	$	SYM
fsr-3899	236	133	16,013	16,013	NUM
fsr-3899	236	134	$	$	SYM
fsr-3899	236	135	0	0	NUM
fsr-3899	236	136	9	9	NUM
fsr-3899	236	137	7	7	NUM
fsr-3899	236	138	$	$	SYM
fsr-3899	236	139	15,874	15,874	NUM
fsr-3899	236	140	$	$	SYM
fsr-3899	236	141	1,271	1,271	NUM
fsr-3899	236	142	$	$	SYM
fsr-3899	236	143	17,145	17,145	NUM
fsr-3899	236	144	7	7	NUM
fsr-3899	236	145	$	$	SYM
fsr-3899	236	146	16,013	16,013	NUM
fsr-3899	236	147	$	$	SYM
fsr-3899	236	148	1,307	1,307	NUM
fsr-3899	236	149	$	$	SYM
fsr-3899	236	150	17,321	17,321	NUM
fsr-3899	236	151	$	$	SYM
fsr-3899	236	152	0	0	NUM
fsr-3899	236	153	10	10	NUM
fsr-3899	236	154	8	8	NUM
fsr-3899	236	155	$	$	SYM
fsr-3899	236	156	17,145	17,145	NUM
fsr-3899	236	157	$	$	SYM
fsr-3899	236	158	1,373	1,373	NUM
fsr-3899	236	159	$	$	SYM
fsr-3899	236	160	18,517	18,517	NUM
fsr-3899	236	161	8	8	NUM
fsr-3899	236	162	$	$	SYM
fsr-3899	236	163	17,321	17,321	NUM
fsr-3899	236	164	$	$	SYM
fsr-3899	236	165	1,414	1,414	NUM
fsr-3899	236	166	$	$	SYM
fsr-3899	236	167	18,734	18,734	NUM
fsr-3899	236	168	$	$	SYM
fsr-3899	236	169	0	0	NUM
fsr-3899	236	170	11	11	NUM
fsr-3899	236	171	9	9	NUM
fsr-3899	236	172	$	$	SYM
fsr-3899	236	173	18,517	18,517	NUM
fsr-3899	236	174	$	$	SYM
fsr-3899	236	175	1,483	1,483	NUM
fsr-3899	236	176	$	$	SYM
fsr-3899	236	177	20,000	20,000	NUM
fsr-3899	236	178	9	9	NUM
fsr-3899	236	179	$	$	SYM
fsr-3899	236	180	18,734	18,734	NUM
fsr-3899	236	181	$	$	SYM
fsr-3899	236	182	1,529	1,529	NUM
fsr-3899	236	183	$	$	SYM
fsr-3899	236	184	20,264	20,264	NUM
fsr-3899	236	185	$	$	SYM
fsr-3899	236	186	0	0	NUM
fsr-3899	236	187	12	12	NUM
fsr-3899	236	188	10	10	NUM
fsr-3899	236	189	$	$	SYM
fsr-3899	236	190	20,264	20,264	NUM
fsr-3899	236	191	$	$	SYM
fsr-3899	236	192	1,654	1,654	NUM
fsr-3899	236	193	$	$	SYM
fsr-3899	236	194	21,918	21,918	NUM
fsr-3899	236	195	$	$	SYM
fsr-3899	236	196	0	0	NUM
fsr-3899	236	197	13	13	NUM
fsr-3899	236	198	11	11	NUM
fsr-3899	236	199	$	$	SYM
fsr-3899	236	200	21,918	21,918	NUM
fsr-3899	236	201	$	$	SYM
fsr-3899	236	202	1,789	1,789	NUM
fsr-3899	236	203	$	$	SYM
fsr-3899	236	204	23,707	23,707	NUM
fsr-3899	236	205	$	$	SYM
fsr-3899	236	206	0	0	NUM
fsr-3899	236	207	14	14	NUM
fsr-3899	236	208	12	12	NUM
fsr-3899	236	209	$	$	SYM
fsr-3899	236	210	23,707	23,707	NUM
fsr-3899	236	211	$	$	SYM
fsr-3899	236	212	1,935	1,935	NUM
fsr-3899	236	213	$	$	SYM
fsr-3899	236	214	25,643	25,643	NUM
fsr-3899	236	215	$	$	SYM
fsr-3899	236	216	0	0	NUM
fsr-3899	236	217	15	15	NUM
fsr-3899	236	218	13	13	NUM
fsr-3899	236	219	$	$	SYM
fsr-3899	236	220	25,643	25,643	NUM
fsr-3899	236	221	$	$	SYM
fsr-3899	236	222	2,093	2,093	NUM
fsr-3899	236	223	$	$	SYM
fsr-3899	236	224	27,736	27,736	NUM
fsr-3899	236	225	$	$	SYM
fsr-3899	236	226	0	0	NUM
fsr-3899	236	227	16	16	NUM
fsr-3899	236	228	8.5	8.5	NUM
fsr-3899	236	229	%	%	NOUN
fsr-3899	236	230	14	14	NUM
fsr-3899	236	231	$	$	SYM
fsr-3899	236	232	27,736	27,736	NUM
fsr-3899	236	233	$	$	SYM
fsr-3899	236	234	2,264	2,264	NUM
fsr-3899	236	235	$	$	SYM
fsr-3899	236	236	30,000	30,000	NUM
fsr-3899	236	237	$	$	SYM
fsr-3899	236	238	30,000	30,000	NUM
fsr-3899	236	239	17	17	NUM
fsr-3899	236	240	year	year	NOUN
fsr-3899	236	241	investment	investment	NOUN
fsr-3899	236	242	(	(	PUNCT
fsr-3899	236	243	boy	boy	NOUN
fsr-3899	236	244	)	)	PUNCT
fsr-3899	236	245	implicit	implicit	ADJ
fsr-3899	236	246	interest	interest	NOUN
fsr-3899	236	247	investment	investment	NOUN
fsr-3899	236	248	(	(	PUNCT
fsr-3899	236	249	eoy	eoy	PROPN
fsr-3899	236	250	)	)	PUNCT
fsr-3899	236	251	irr	irr	NOUN
fsr-3899	236	252	5	5	NUM
fsr-3899	236	253	8.2	8.2	NUM
fsr-3899	236	254	%	%	NOUN
fsr-3899	236	255	18	18	NUM
fsr-3899	236	256	1	1	NUM
fsr-3899	236	257	$	$	SYM
fsr-3899	236	258	10,000	10,000	NUM
fsr-3899	236	259	$	$	SYM
fsr-3899	236	260	849	849	NUM
fsr-3899	236	261	$	$	SYM
fsr-3899	236	262	10,849	10,849	NUM
fsr-3899	236	263	19	19	NUM
fsr-3899	236	264	2	2	NUM
fsr-3899	236	265	$	$	SYM
fsr-3899	236	266	10,849	10,849	NUM
fsr-3899	236	267	$	$	SYM
fsr-3899	236	268	921	921	NUM
fsr-3899	236	269	$	$	SYM
fsr-3899	236	270	11,769	11,769	NUM
fsr-3899	236	271	20	20	NUM
fsr-3899	236	272	3	3	NUM
fsr-3899	236	273	$	$	SYM
fsr-3899	236	274	11,769	11,769	NUM
fsr-3899	236	275	$	$	SYM
fsr-3899	236	276	999	999	NUM
fsr-3899	236	277	$	$	SYM
fsr-3899	236	278	12,768	12,768	NUM
fsr-3899	236	279	21	21	NUM
fsr-3899	236	280	4	4	NUM
fsr-3899	236	281	$	$	SYM
fsr-3899	236	282	12,768	12,768	NUM
fsr-3899	236	283	$	$	SYM
fsr-3899	236	284	1,083	1,083	NUM
fsr-3899	236	285	$	$	SYM
fsr-3899	236	286	13,851	13,851	NUM
fsr-3899	236	287	22	22	NUM
fsr-3899	236	288	5	5	NUM
fsr-3899	236	289	$	$	SYM
fsr-3899	236	290	13,851	13,851	NUM
fsr-3899	236	291	$	$	SYM
fsr-3899	236	292	1,175	1,175	NUM
fsr-3899	236	293	$	$	SYM
fsr-3899	236	294	15,027	15,027	NUM
fsr-3899	236	295	23	23	NUM
fsr-3899	236	296	6	6	NUM
fsr-3899	236	297	$	$	SYM
fsr-3899	236	298	15,027	15,027	NUM
fsr-3899	236	299	$	$	SYM
fsr-3899	236	300	1,275	1,275	NUM
fsr-3899	236	301	$	$	SYM
fsr-3899	236	302	16,302	16,302	NUM
fsr-3899	236	303	24	24	NUM
fsr-3899	236	304	7	7	NUM
fsr-3899	236	305	$	$	SYM
fsr-3899	236	306	16,302	16,302	NUM
fsr-3899	236	307	$	$	SYM
fsr-3899	236	308	1,383	1,383	NUM
fsr-3899	236	309	$	$	SYM
fsr-3899	236	310	17,685	17,685	NUM
fsr-3899	236	311	25	25	NUM
fsr-3899	236	312	8	8	NUM
fsr-3899	236	313	$	$	SYM
fsr-3899	236	314	17,685	17,685	NUM
fsr-3899	236	315	$	$	SYM
fsr-3899	236	316	1,501	1,501	NUM
fsr-3899	236	317	$	$	SYM
fsr-3899	236	318	19,186	19,186	NUM
fsr-3899	236	319	26	26	NUM
fsr-3899	236	320	8.5	8.5	NUM
fsr-3899	236	321	$	$	SYM
fsr-3899	236	322	19,186	19,186	NUM
fsr-3899	236	323	$	$	SYM
fsr-3899	236	324	814	814	NUM
fsr-3899	236	325	$	$	SYM
fsr-3899	236	326	20,000	20,000	NUM
fsr-3899	236	327	a	a	DET
fsr-3899	236	328	target	target	NOUN
fsr-3899	236	329	cells	cell	NOUN
fsr-3899	236	330	and	and	CCONJ
fsr-3899	236	331	variable	variable	ADJ
fsr-3899	236	332	cells	cell	NOUN
fsr-3899	236	333	are	be	AUX
fsr-3899	236	334	bold	bold	ADJ
fsr-3899	236	335	.	.	PUNCT
fsr-3899	237	1	boy	boy	INTJ
fsr-3899	237	2	,	,	PUNCT
fsr-3899	237	3	beginning	begin	VERB
fsr-3899	237	4	of	of	ADP
fsr-3899	237	5	year	year	NOUN
fsr-3899	237	6	;	;	PUNCT
fsr-3899	237	7	eoy	eoy	PROPN
fsr-3899	237	8	,	,	PUNCT
fsr-3899	237	9	end	end	NOUN
fsr-3899	237	10	of	of	ADP
fsr-3899	237	11	year	year	NOUN
fsr-3899	237	12	.	.	PUNCT
fsr-3899	238	1	279r.r	279r.r	X
fsr-3899	238	2	.	.	PUNCT
fsr-3899	239	1	crabb	crabb	PROPN
fsr-3899	239	2	/	/	SYM
fsr-3899	239	3	financial	financial	ADJ
fsr-3899	239	4	services	service	NOUN
fsr-3899	239	5	review	review	VERB
fsr-3899	239	6	8	8	NUM
fsr-3899	239	7	(	(	PUNCT
fsr-3899	239	8	1999	1999	NUM
fsr-3899	239	9	)	)	PUNCT
fsr-3899	239	10	269–282	269–282	NUM
fsr-3899	239	11	investment	investment	NOUN
fsr-3899	239	12	value	value	NOUN
fsr-3899	239	13	to	to	ADP
fsr-3899	239	14	$	$	SYM
fsr-3899	239	15	20,000	20,000	NUM
fsr-3899	239	16	at	at	ADP
fsr-3899	239	17	the	the	DET
fsr-3899	239	18	end	end	NOUN
fsr-3899	239	19	of	of	ADP
fsr-3899	239	20	the	the	DET
fsr-3899	239	21	9th	9th	ADJ
fsr-3899	239	22	year	year	NOUN
fsr-3899	239	23	for	for	ADP
fsr-3899	239	24	the	the	DET
fsr-3899	239	25	first	first	ADJ
fsr-3899	239	26	investment	investment	NOUN
fsr-3899	239	27	and	and	CCONJ
fsr-3899	239	28	$	$	SYM
fsr-3899	239	29	30,000	30,000	NUM
fsr-3899	239	30	at	at	ADP
fsr-3899	239	31	the	the	DET
fsr-3899	239	32	end	end	NOUN
fsr-3899	239	33	of	of	ADP
fsr-3899	239	34	the	the	DET
fsr-3899	239	35	14th	14th	ADJ
fsr-3899	239	36	year	year	NOUN
fsr-3899	239	37	for	for	ADP
fsr-3899	239	38	the	the	DET
fsr-3899	239	39	second	second	ADJ
fsr-3899	239	40	investment	investment	NOUN
fsr-3899	239	41	.	.	PUNCT
fsr-3899	240	1	that	that	PRON
fsr-3899	240	2	is	be	AUX
fsr-3899	240	3	,	,	PUNCT
fsr-3899	240	4	in	in	ADP
fsr-3899	240	5	theto	theto	NOUN
fsr-3899	240	6	valuebox	valuebox	NOUN
fsr-3899	240	7	,	,	PUNCT
fsr-3899	240	8	type	type	NOUN
fsr-3899	240	9	20000	20000	NUM
fsr-3899	240	10	or	or	CCONJ
fsr-3899	240	11	30000	30000	NUM
fsr-3899	240	12	.	.	PUNCT
fsr-3899	241	1	the	the	DET
fsr-3899	241	2	variable	variable	ADJ
fsr-3899	241	3	cell	cell	NOUN
fsr-3899	241	4	is	be	AUX
fsr-3899	241	5	the	the	DET
fsr-3899	241	6	interest	interest	NOUN
fsr-3899	241	7	rate	rate	NOUN
fsr-3899	241	8	.	.	PUNCT
fsr-3899	242	1	the	the	DET
fsr-3899	242	2	14	14	NUM
fsr-3899	242	3	year	year	NOUN
fsr-3899	242	4	investment	investment	NOUN
fsr-3899	242	5	offers	offer	VERB
fsr-3899	242	6	the	the	DET
fsr-3899	242	7	highest	high	ADJ
fsr-3899	242	8	expected	expect	VERB
fsr-3899	242	9	rate	rate	NOUN
fsr-3899	242	10	of	of	ADP
fsr-3899	242	11	return	return	NOUN
fsr-3899	242	12	,	,	PUNCT
fsr-3899	242	13	8.2	8.2	NUM
fsr-3899	242	14	%	%	NOUN
fsr-3899	242	15	,	,	PUNCT
fsr-3899	242	16	versus	versus	ADP
fsr-3899	242	17	8.0	8.0	NUM
fsr-3899	242	18	%	%	NOUN
fsr-3899	242	19	for	for	ADP
fsr-3899	242	20	the	the	DET
fsr-3899	242	21	nine	nine	NUM
fsr-3899	242	22	year	year	NOUN
fsr-3899	242	23	investment	investment	NOUN
fsr-3899	242	24	.	.	PUNCT
fsr-3899	243	1	like	like	ADP
fsr-3899	243	2	many	many	ADJ
fsr-3899	243	3	investment	investment	NOUN
fsr-3899	243	4	choices	choice	NOUN
fsr-3899	243	5	facing	face	VERB
fsr-3899	243	6	individual	individual	ADJ
fsr-3899	243	7	investors	investor	NOUN
fsr-3899	243	8	,	,	PUNCT
fsr-3899	243	9	this	this	DET
fsr-3899	243	10	solution	solution	NOUN
fsr-3899	243	11	is	be	AUX
fsr-3899	243	12	quite	quite	ADV
fsr-3899	243	13	sensitive	sensitive	ADJ
fsr-3899	243	14	to	to	ADP
fsr-3899	243	15	small	small	ADJ
fsr-3899	243	16	changes	change	NOUN
fsr-3899	243	17	in	in	ADP
fsr-3899	243	18	time	time	NOUN
fsr-3899	243	19	.	.	PUNCT
fsr-3899	244	1	if	if	SCONJ
fsr-3899	244	2	the	the	DET
fsr-3899	244	3	nine	nine	NUM
fsr-3899	244	4	year	year	NOUN
fsr-3899	244	5	investment	investment	NOUN
fsr-3899	244	6	horizon	horizon	NOUN
fsr-3899	244	7	were	be	AUX
fsr-3899	244	8	just	just	ADV
fsr-3899	244	9	one	one	NUM
fsr-3899	244	10	half	half	DET
fsr-3899	244	11	a	a	DET
fsr-3899	244	12	year	year	NOUN
fsr-3899	244	13	less	less	ADJ
fsr-3899	244	14	,	,	PUNCT
fsr-3899	244	15	that	that	ADV
fsr-3899	244	16	is	is	ADV
fsr-3899	244	17	,	,	PUNCT
fsr-3899	244	18	the	the	DET
fsr-3899	244	19	investor	investor	NOUN
fsr-3899	244	20	expected	expect	VERB
fsr-3899	244	21	to	to	PART
fsr-3899	244	22	double	double	VERB
fsr-3899	244	23	her	she	PRON
fsr-3899	244	24	/	/	SYM
fsr-3899	244	25	his	his	PRON
fsr-3899	244	26	money	money	NOUN
fsr-3899	244	27	in	in	ADP
fsr-3899	244	28	eight	eight	NUM
fsr-3899	244	29	and	and	CCONJ
fsr-3899	244	30	one	one	NUM
fsr-3899	244	31	-	-	PUNCT
fsr-3899	244	32	half	half	NOUN
fsr-3899	244	33	years	year	NOUN
fsr-3899	244	34	rather	rather	ADV
fsr-3899	244	35	than	than	ADP
fsr-3899	244	36	nine	nine	NUM
fsr-3899	244	37	years	year	NOUN
fsr-3899	244	38	,	,	PUNCT
fsr-3899	244	39	then	then	ADV
fsr-3899	244	40	that	that	DET
fsr-3899	244	41	investment	investment	NOUN
fsr-3899	244	42	would	would	AUX
fsr-3899	244	43	yield	yield	VERB
fsr-3899	244	44	8.5	8.5	NUM
fsr-3899	244	45	%	%	NOUN
fsr-3899	244	46	,	,	PUNCT
fsr-3899	244	47	and	and	CCONJ
fsr-3899	244	48	it	it	PRON
fsr-3899	244	49	would	would	AUX
fsr-3899	244	50	be	be	AUX
fsr-3899	244	51	preferred	prefer	VERB
fsr-3899	244	52	over	over	ADP
fsr-3899	244	53	the	the	DET
fsr-3899	244	54	14	14	NUM
fsr-3899	244	55	year	year	NOUN
fsr-3899	244	56	investment	investment	NOUN
fsr-3899	244	57	.	.	PUNCT
fsr-3899	245	1	students	student	NOUN
fsr-3899	245	2	owning	own	VERB
fsr-3899	245	3	financial	financial	ADJ
fsr-3899	245	4	calculators	calculator	NOUN
fsr-3899	245	5	can	can	AUX
fsr-3899	245	6	input	input	VERB
fsr-3899	245	7	$	$	SYM
fsr-3899	245	8	10,000	10,000	NUM
fsr-3899	245	9	as	as	ADP
fsr-3899	245	10	the	the	DET
fsr-3899	245	11	present	present	ADJ
fsr-3899	245	12	value	value	NOUN
fsr-3899	245	13	,	,	PUNCT
fsr-3899	245	14	$	$	SYM
fsr-3899	245	15	20,000	20,000	NUM
fsr-3899	245	16	(	(	PUNCT
fsr-3899	245	17	or	or	CCONJ
fsr-3899	245	18	$	$	SYM
fsr-3899	245	19	30,000	30,000	NUM
fsr-3899	245	20	)	)	PUNCT
fsr-3899	245	21	as	as	ADP
fsr-3899	245	22	the	the	DET
fsr-3899	245	23	future	future	ADJ
fsr-3899	245	24	value	value	NOUN
fsr-3899	245	25	,	,	PUNCT
fsr-3899	245	26	nine	nine	NUM
fsr-3899	245	27	(	(	PUNCT
fsr-3899	245	28	or	or	CCONJ
fsr-3899	245	29	14	14	NUM
fsr-3899	245	30	)	)	PUNCT
fsr-3899	245	31	as	as	ADP
fsr-3899	245	32	the	the	DET
fsr-3899	245	33	time	time	NOUN
fsr-3899	245	34	period	period	NOUN
fsr-3899	245	35	,	,	PUNCT
fsr-3899	245	36	and	and	CCONJ
fsr-3899	245	37	ask	ask	VERB
fsr-3899	245	38	the	the	DET
fsr-3899	245	39	calculator	calculator	NOUN
fsr-3899	245	40	to	to	PART
fsr-3899	245	41	compute	compute	VERB
fsr-3899	245	42	the	the	DET
fsr-3899	245	43	interest	interest	NOUN
fsr-3899	245	44	rate	rate	NOUN
fsr-3899	245	45	that	that	PRON
fsr-3899	245	46	solves	solve	VERB
fsr-3899	245	47	each	each	DET
fsr-3899	245	48	problem	problem	NOUN
fsr-3899	245	49	.	.	PUNCT
fsr-3899	246	1	if	if	SCONJ
fsr-3899	246	2	your	your	PRON
fsr-3899	246	3	students	student	NOUN
fsr-3899	246	4	have	have	AUX
fsr-3899	246	5	had	have	VERB
fsr-3899	246	6	a	a	DET
fsr-3899	246	7	prerequisite	prerequisite	NOUN
fsr-3899	246	8	finance	finance	NOUN
fsr-3899	246	9	course	course	NOUN
fsr-3899	246	10	,	,	PUNCT
fsr-3899	246	11	then	then	ADV
fsr-3899	246	12	you	you	PRON
fsr-3899	246	13	can	can	AUX
fsr-3899	246	14	solve	solve	VERB
fsr-3899	246	15	this	this	DET
fsr-3899	246	16	investment	investment	NOUN
fsr-3899	246	17	problem	problem	NOUN
fsr-3899	246	18	using	use	VERB
fsr-3899	246	19	the	the	DET
fsr-3899	246	20	irr	irr	NOUN
fsr-3899	246	21	function	function	NOUN
fsr-3899	246	22	,	,	PUNCT
fsr-3899	246	23	again	again	ADV
fsr-3899	246	24	integrating	integrate	VERB
fsr-3899	246	25	the	the	DET
fsr-3899	246	26	finance	finance	NOUN
fsr-3899	246	27	course	course	NOUN
fsr-3899	246	28	into	into	ADP
fsr-3899	246	29	your	your	PRON
fsr-3899	246	30	personal	personal	ADJ
fsr-3899	246	31	finance	finance	NOUN
fsr-3899	246	32	course	course	NOUN
fsr-3899	246	33	.	.	PUNCT
fsr-3899	247	1	set	set	VERB
fsr-3899	247	2	up	up	ADP
fsr-3899	247	3	the	the	DET
fsr-3899	247	4	string	string	NOUN
fsr-3899	247	5	of	of	ADP
fsr-3899	247	6	numbers	number	NOUN
fsr-3899	247	7	shown	show	VERB
fsr-3899	247	8	in	in	ADP
fsr-3899	247	9	column	column	PROPN
fsr-3899	247	10	k	k	PROPN
fsr-3899	247	11	,	,	PUNCT
fsr-3899	247	12	cells	cell	NOUN
fsr-3899	247	13	2	2	NUM
fsr-3899	247	14	through	through	ADP
fsr-3899	247	15	16	16	NUM
fsr-3899	247	16	,	,	PUNCT
fsr-3899	247	17	and	and	CCONJ
fsr-3899	247	18	type	type	NOUN
fsr-3899	247	19	5irr(k2	5irr(k2	NUM
fsr-3899	247	20	:	:	PUNCT
fsr-3899	247	21	k16	k16	PROPN
fsr-3899	247	22	)	)	PUNCT
fsr-3899	247	23	in	in	ADP
fsr-3899	247	24	cell	cell	PROPN
fsr-3899	247	25	k17	k17	PROPN
fsr-3899	247	26	.	.	PUNCT
fsr-3899	248	1	after	after	ADP
fsr-3899	248	2	formatting	format	VERB
fsr-3899	248	3	cell	cell	NOUN
fsr-3899	248	4	k17	k17	PROPN
fsr-3899	248	5	to	to	ADP
fsr-3899	248	6	one	one	NUM
fsr-3899	248	7	decimal	decimal	ADJ
fsr-3899	248	8	point	point	NOUN
fsr-3899	248	9	,	,	PUNCT
fsr-3899	248	10	the	the	DET
fsr-3899	248	11	irr	irr	NOUN
fsr-3899	248	12	for	for	ADP
fsr-3899	248	13	the	the	DET
fsr-3899	248	14	14	14	NUM
fsr-3899	248	15	year	year	NOUN
fsr-3899	248	16	investment	investment	NOUN
fsr-3899	248	17	is	be	AUX
fsr-3899	248	18	8.2	8.2	NUM
fsr-3899	248	19	%	%	NOUN
fsr-3899	248	20	.	.	PUNCT
fsr-3899	249	1	using	use	VERB
fsr-3899	249	2	an	an	DET
fsr-3899	249	3	fvif	fvif	NOUN
fsr-3899	249	4	table	table	NOUN
fsr-3899	249	5	,	,	PUNCT
fsr-3899	249	6	your	your	PRON
fsr-3899	249	7	students	student	NOUN
fsr-3899	249	8	would	would	AUX
fsr-3899	249	9	drop	drop	VERB
fsr-3899	249	10	down	down	ADP
fsr-3899	249	11	the	the	DET
fsr-3899	249	12	period	period	NOUN
fsr-3899	249	13	column	column	NOUN
fsr-3899	249	14	to	to	ADP
fsr-3899	249	15	14	14	NUM
fsr-3899	249	16	,	,	PUNCT
fsr-3899	249	17	go	go	VERB
fsr-3899	249	18	horizontally	horizontally	ADV
fsr-3899	249	19	across	across	ADP
fsr-3899	249	20	the	the	DET
fsr-3899	249	21	table	table	NOUN
fsr-3899	249	22	looking	look	VERB
fsr-3899	249	23	for	for	ADP
fsr-3899	249	24	a	a	DET
fsr-3899	249	25	3	3	NUM
fsr-3899	249	26	in	in	ADP
fsr-3899	249	27	the	the	DET
fsr-3899	249	28	14th	14th	ADJ
fsr-3899	249	29	period	period	NOUN
fsr-3899	249	30	row	row	NOUN
fsr-3899	249	31	.	.	PUNCT
fsr-3899	250	1	your	your	PRON
fsr-3899	250	2	students	student	NOUN
fsr-3899	250	3	would	would	AUX
fsr-3899	250	4	find	find	VERB
fsr-3899	250	5	a	a	DET
fsr-3899	250	6	2.937	2.937	NUM
fsr-3899	250	7	in	in	ADP
fsr-3899	250	8	the	the	DET
fsr-3899	250	9	8	8	NUM
fsr-3899	250	10	%	%	NOUN
fsr-3899	250	11	column	column	NOUN
fsr-3899	250	12	and	and	CCONJ
fsr-3899	250	13	a	a	DET
fsr-3899	250	14	3.342	3.342	NUM
fsr-3899	250	15	in	in	ADP
fsr-3899	250	16	the	the	DET
fsr-3899	250	17	9	9	NUM
fsr-3899	250	18	%	%	NOUN
fsr-3899	250	19	column	column	NOUN
fsr-3899	250	20	,	,	PUNCT
fsr-3899	250	21	and	and	CCONJ
fsr-3899	250	22	could	could	AUX
fsr-3899	250	23	interpolate	interpolate	VERB
fsr-3899	250	24	8.2	8.2	NUM
fsr-3899	250	25	%	%	NOUN
fsr-3899	250	26	as	as	ADP
fsr-3899	250	27	the	the	DET
fsr-3899	250	28	answer	answer	NOUN
fsr-3899	250	29	.	.	PUNCT
fsr-3899	251	1	6	6	X
fsr-3899	251	2	.	.	X
fsr-3899	251	3	conclusions	conclusion	NOUN
fsr-3899	251	4	there	there	PRON
fsr-3899	251	5	is	be	VERB
fsr-3899	251	6	no	no	DET
fsr-3899	251	7	need	need	NOUN
fsr-3899	251	8	for	for	ADP
fsr-3899	251	9	a	a	DET
fsr-3899	251	10	prerequisite	prerequisite	ADJ
fsr-3899	251	11	basic	basic	ADJ
fsr-3899	251	12	finance	finance	NOUN
fsr-3899	251	13	course	course	NOUN
fsr-3899	251	14	for	for	ADP
fsr-3899	251	15	personal	personal	ADJ
fsr-3899	251	16	financial	financial	ADJ
fsr-3899	251	17	planning	planning	NOUN
fsr-3899	251	18	when	when	SCONJ
fsr-3899	251	19	using	use	VERB
fsr-3899	251	20	this	this	DET
fsr-3899	251	21	methodology	methodology	NOUN
fsr-3899	251	22	.	.	PUNCT
fsr-3899	252	1	by	by	ADP
fsr-3899	252	2	appealing	appeal	VERB
fsr-3899	252	3	directly	directly	ADV
fsr-3899	252	4	to	to	ADP
fsr-3899	252	5	life	life	NOUN
fsr-3899	252	6	experiences	experience	NOUN
fsr-3899	252	7	which	which	PRON
fsr-3899	252	8	students	student	NOUN
fsr-3899	252	9	have	have	AUX
fsr-3899	252	10	had	have	VERB
fsr-3899	252	11	or	or	CCONJ
fsr-3899	252	12	will	will	AUX
fsr-3899	252	13	have	have	VERB
fsr-3899	252	14	,	,	PUNCT
fsr-3899	252	15	this	this	DET
fsr-3899	252	16	methodology	methodology	NOUN
fsr-3899	252	17	engages	engage	VERB
fsr-3899	252	18	students	student	NOUN
fsr-3899	252	19	’	’	PART
fsr-3899	252	20	interest	interest	NOUN
fsr-3899	252	21	in	in	ADP
fsr-3899	252	22	learning	learn	VERB
fsr-3899	252	23	.	.	PUNCT
fsr-3899	253	1	the	the	DET
fsr-3899	253	2	information	information	NOUN
fsr-3899	253	3	is	be	AUX
fsr-3899	253	4	structured	structure	VERB
fsr-3899	253	5	such	such	ADJ
fsr-3899	253	6	that	that	SCONJ
fsr-3899	253	7	it	it	PRON
fsr-3899	253	8	can	can	AUX
fsr-3899	253	9	be	be	AUX
fsr-3899	253	10	readily	readily	ADV
fsr-3899	253	11	grasped	grasp	VERB
fsr-3899	253	12	.	.	PUNCT
fsr-3899	254	1	avoiding	avoid	VERB
fsr-3899	254	2	present	present	ADJ
fsr-3899	254	3	and	and	CCONJ
fsr-3899	254	4	future	future	ADJ
fsr-3899	254	5	value	value	NOUN
fsr-3899	254	6	math	math	NOUN
fsr-3899	254	7	(	(	PUNCT
fsr-3899	254	8	and	and	CCONJ
fsr-3899	254	9	later	later	ADV
fsr-3899	254	10	showing	show	VERB
fsr-3899	254	11	how	how	SCONJ
fsr-3899	254	12	that	that	PRON
fsr-3899	254	13	math	math	NOUN
fsr-3899	254	14	works	work	VERB
fsr-3899	254	15	)	)	PUNCT
fsr-3899	254	16	,	,	PUNCT
fsr-3899	254	17	providing	provide	VERB
fsr-3899	254	18	visual	visual	ADJ
fsr-3899	254	19	numerical	numerical	ADJ
fsr-3899	254	20	pictures	picture	NOUN
fsr-3899	254	21	of	of	ADP
fsr-3899	254	22	the	the	DET
fsr-3899	254	23	entire	entire	ADJ
fsr-3899	254	24	process	process	NOUN
fsr-3899	254	25	,	,	PUNCT
fsr-3899	254	26	and	and	CCONJ
fsr-3899	254	27	requiring	require	VERB
fsr-3899	254	28	students	student	NOUN
fsr-3899	254	29	to	to	PART
fsr-3899	254	30	write	write	VERB
fsr-3899	254	31	,	,	PUNCT
fsr-3899	254	32	edit	edit	NOUN
fsr-3899	254	33	,	,	PUNCT
fsr-3899	254	34	and	and	CCONJ
fsr-3899	254	35	fix	fix	VERB
fsr-3899	254	36	the	the	DET
fsr-3899	254	37	equations	equation	NOUN
fsr-3899	254	38	underlying	underlie	VERB
fsr-3899	254	39	the	the	DET
fsr-3899	254	40	amortization	amortization	NOUN
fsr-3899	254	41	process	process	NOUN
fsr-3899	254	42	allows	allow	VERB
fsr-3899	254	43	those	those	PRON
fsr-3899	254	44	with	with	ADP
fsr-3899	254	45	little	little	ADJ
fsr-3899	254	46	experience	experience	NOUN
fsr-3899	254	47	to	to	PART
fsr-3899	254	48	simultaneously	simultaneously	ADV
fsr-3899	254	49	learn	learn	VERB
fsr-3899	254	50	financial	financial	ADJ
fsr-3899	254	51	planning	planning	NOUN
fsr-3899	254	52	math	math	NOUN
fsr-3899	254	53	skills	skill	NOUN
fsr-3899	254	54	and	and	CCONJ
fsr-3899	254	55	financial	financial	ADJ
fsr-3899	254	56	planning	planning	NOUN
fsr-3899	254	57	concepts	concept	NOUN
fsr-3899	254	58	.	.	PUNCT
fsr-3899	255	1	many	many	ADJ
fsr-3899	255	2	personal	personal	ADJ
fsr-3899	255	3	finance	finance	NOUN
fsr-3899	255	4	problems	problem	NOUN
fsr-3899	255	5	involve	involve	VERB
fsr-3899	255	6	cash	cash	NOUN
fsr-3899	255	7	flow	flow	NOUN
fsr-3899	255	8	,	,	PUNCT
fsr-3899	255	9	and	and	CCONJ
fsr-3899	255	10	any	any	DET
fsr-3899	255	11	problem	problem	NOUN
fsr-3899	255	12	that	that	PRON
fsr-3899	255	13	involves	involve	VERB
fsr-3899	255	14	cash	cash	NOUN
fsr-3899	255	15	flow	flow	NOUN
fsr-3899	255	16	is	be	AUX
fsr-3899	255	17	solvable	solvable	ADJ
fsr-3899	255	18	by	by	ADP
fsr-3899	255	19	this	this	DET
fsr-3899	255	20	methodology	methodology	NOUN
fsr-3899	255	21	.	.	PUNCT
fsr-3899	256	1	while	while	SCONJ
fsr-3899	256	2	simplifying	simplify	VERB
fsr-3899	256	3	the	the	DET
fsr-3899	256	4	math	math	NOUN
fsr-3899	256	5	makes	make	VERB
fsr-3899	256	6	a	a	DET
fsr-3899	256	7	cash	cash	NOUN
fsr-3899	256	8	flow	flow	NOUN
fsr-3899	256	9	methodology	methodology	NOUN
fsr-3899	256	10	both	both	CCONJ
fsr-3899	256	11	easy	easy	ADJ
fsr-3899	256	12	-	-	PUNCT
fsr-3899	256	13	to	to	ADP
fsr-3899	256	14	-	-	PUNCT
fsr-3899	256	15	use	use	NOUN
fsr-3899	256	16	and	and	CCONJ
fsr-3899	256	17	useful	useful	ADJ
fsr-3899	256	18	,	,	PUNCT
fsr-3899	256	19	especially	especially	ADV
fsr-3899	256	20	for	for	ADP
fsr-3899	256	21	the	the	DET
fsr-3899	256	22	retirement	retirement	NOUN
fsr-3899	256	23	problem	problem	NOUN
fsr-3899	256	24	that	that	PRON
fsr-3899	256	25	does	do	AUX
fsr-3899	256	26	not	not	PART
fsr-3899	256	27	have	have	VERB
fsr-3899	256	28	a	a	DET
fsr-3899	256	29	closed	closed	ADJ
fsr-3899	256	30	form	form	NOUN
fsr-3899	256	31	solution	solution	NOUN
fsr-3899	256	32	,	,	PUNCT
fsr-3899	256	33	perhaps	perhaps	ADV
fsr-3899	256	34	its	its	PRON
fsr-3899	256	35	greatest	great	ADJ
fsr-3899	256	36	benefit	benefit	NOUN
fsr-3899	256	37	lies	lie	VERB
fsr-3899	256	38	in	in	ADP
fsr-3899	256	39	its	its	PRON
fsr-3899	256	40	requiring	require	VERB
fsr-3899	256	41	students	student	NOUN
fsr-3899	256	42	to	to	PART
fsr-3899	256	43	understand	understand	VERB
fsr-3899	256	44	exactly	exactly	ADV
fsr-3899	256	45	what	what	PRON
fsr-3899	256	46	is	be	AUX
fsr-3899	256	47	happening	happen	VERB
fsr-3899	256	48	when	when	SCONJ
fsr-3899	256	49	they	they	PRON
fsr-3899	256	50	take	take	VERB
fsr-3899	256	51	out	out	ADP
fsr-3899	256	52	loans	loan	NOUN
fsr-3899	256	53	,	,	PUNCT
fsr-3899	256	54	plan	plan	VERB
fsr-3899	256	55	their	their	PRON
fsr-3899	256	56	retirements	retirement	NOUN
fsr-3899	256	57	,	,	PUNCT
fsr-3899	256	58	and	and	CCONJ
fsr-3899	256	59	choose	choose	VERB
fsr-3899	256	60	between	between	ADP
fsr-3899	256	61	alternative	alternative	ADJ
fsr-3899	256	62	investments	investment	NOUN
fsr-3899	256	63	.	.	PUNCT
fsr-3899	257	1	notes	note	VERB
fsr-3899	257	2	1	1	NUM
fsr-3899	257	3	.	.	PUNCT
fsr-3899	257	4	to	to	PART
fsr-3899	257	5	do	do	VERB
fsr-3899	257	6	this	this	PRON
fsr-3899	257	7	by	by	ADP
fsr-3899	257	8	trial	trial	NOUN
fsr-3899	257	9	and	and	CCONJ
fsr-3899	257	10	error	error	NOUN
fsr-3899	257	11	,	,	PUNCT
fsr-3899	257	12	set	set	VERB
fsr-3899	257	13	cell	cell	NOUN
fsr-3899	257	14	f25e41	f25e41	NOUN
fsr-3899	257	15	,	,	PUNCT
fsr-3899	257	16	making	make	VERB
fsr-3899	257	17	it	it	PRON
fsr-3899	257	18	possible	possible	ADJ
fsr-3899	257	19	to	to	PART
fsr-3899	257	20	see	see	VERB
fsr-3899	257	21	the	the	DET
fsr-3899	257	22	final	final	ADJ
fsr-3899	257	23	loan	loan	NOUN
fsr-3899	257	24	balance	balance	NOUN
fsr-3899	257	25	and	and	CCONJ
fsr-3899	257	26	the	the	DET
fsr-3899	257	27	loan	loan	NOUN
fsr-3899	257	28	payment	payment	NOUN
fsr-3899	257	29	simultaneously	simultaneously	ADV
fsr-3899	257	30	.	.	PUNCT
fsr-3899	258	1	since	since	SCONJ
fsr-3899	258	2	a	a	DET
fsr-3899	258	3	$	$	SYM
fsr-3899	258	4	300	300	NUM
fsr-3899	258	5	loan	loan	NOUN
fsr-3899	258	6	payment	payment	NOUN
fsr-3899	258	7	results	result	NOUN
fsr-3899	258	8	in	in	ADP
fsr-3899	258	9	a	a	DET
fsr-3899	258	10	positive	positive	ADJ
fsr-3899	258	11	loan	loan	NOUN
fsr-3899	258	12	balance	balance	NOUN
fsr-3899	258	13	,	,	PUNCT
fsr-3899	258	14	try	try	VERB
fsr-3899	258	15	a	a	DET
fsr-3899	258	16	number	number	NOUN
fsr-3899	258	17	larger	large	ADJ
fsr-3899	258	18	than	than	ADP
fsr-3899	258	19	$	$	SYM
fsr-3899	258	20	300	300	NUM
fsr-3899	258	21	.	.	PUNCT
fsr-3899	259	1	whether	whether	SCONJ
fsr-3899	259	2	you	you	PRON
fsr-3899	259	3	type	type	VERB
fsr-3899	259	4	$	$	SYM
fsr-3899	259	5	350	350	NUM
fsr-3899	259	6	or	or	CCONJ
fsr-3899	259	7	280	280	NUM
fsr-3899	259	8	r.r	r.r	PROPN
fsr-3899	259	9	.	.	PROPN
fsr-3899	259	10	crabb	crabb	PROPN
fsr-3899	259	11	/	/	SYM
fsr-3899	259	12	financial	financial	ADJ
fsr-3899	259	13	services	service	NOUN
fsr-3899	259	14	review	review	VERB
fsr-3899	259	15	8	8	NUM
fsr-3899	259	16	(	(	PUNCT
fsr-3899	259	17	1999	1999	NUM
fsr-3899	259	18	)	)	PUNCT
fsr-3899	259	19	269–282	269–282	NUM
fsr-3899	259	20	$	$	SYM
fsr-3899	259	21	400	400	NUM
fsr-3899	259	22	or	or	CCONJ
fsr-3899	259	23	$	$	SYM
fsr-3899	259	24	500	500	NUM
fsr-3899	259	25	or	or	CCONJ
fsr-3899	259	26	even	even	ADV
fsr-3899	259	27	$	$	SYM
fsr-3899	259	28	1000	1000	NUM
fsr-3899	259	29	does	do	AUX
fsr-3899	259	30	not	not	PART
fsr-3899	259	31	matter	matter	VERB
fsr-3899	259	32	.	.	PUNCT
fsr-3899	260	1	a	a	DET
fsr-3899	260	2	visual	visual	ADJ
fsr-3899	260	3	trial	trial	NOUN
fsr-3899	260	4	-	-	PUNCT
fsr-3899	260	5	and	and	CCONJ
fsr-3899	260	6	-	-	PUNCT
fsr-3899	260	7	error	error	NOUN
fsr-3899	260	8	process	process	NOUN
fsr-3899	260	9	is	be	AUX
fsr-3899	260	10	actually	actually	ADV
fsr-3899	260	11	rather	rather	ADV
fsr-3899	260	12	efficient	efficient	ADJ
fsr-3899	260	13	.	.	PUNCT
fsr-3899	261	1	it	it	PRON
fsr-3899	261	2	usually	usually	ADV
fsr-3899	261	3	takes	take	VERB
fsr-3899	261	4	less	less	ADJ
fsr-3899	261	5	than	than	ADP
fsr-3899	261	6	a	a	DET
fsr-3899	261	7	minute	minute	NOUN
fsr-3899	261	8	to	to	PART
fsr-3899	261	9	find	find	VERB
fsr-3899	261	10	a	a	DET
fsr-3899	261	11	loan	loan	NOUN
fsr-3899	261	12	payment	payment	NOUN
fsr-3899	261	13	amount	amount	NOUN
fsr-3899	261	14	that	that	PRON
fsr-3899	261	15	will	will	AUX
fsr-3899	261	16	get	get	VERB
fsr-3899	261	17	the	the	DET
fsr-3899	261	18	ending	end	VERB
fsr-3899	261	19	loan	loan	NOUN
fsr-3899	261	20	balance	balance	NOUN
fsr-3899	261	21	to1	to1	PROPN
fsr-3899	261	22	/	/	SYM
fsr-3899	261	23	a	a	DET
fsr-3899	261	24	few	few	ADJ
fsr-3899	261	25	cents	cent	NOUN
fsr-3899	261	26	.	.	PUNCT
fsr-3899	262	1	it	it	PRON
fsr-3899	262	2	has	have	VERB
fsr-3899	262	3	instructional	instructional	ADJ
fsr-3899	262	4	value	value	NOUN
fsr-3899	262	5	to	to	PART
fsr-3899	262	6	demonstrate	demonstrate	VERB
fsr-3899	262	7	that	that	SCONJ
fsr-3899	262	8	the	the	DET
fsr-3899	262	9	goal	goal	NOUN
fsr-3899	262	10	seek	seek	VERB
fsr-3899	262	11	algorithm	algorithm	NOUN
fsr-3899	262	12	is	be	AUX
fsr-3899	262	13	nothing	nothing	PRON
fsr-3899	262	14	more	more	ADJ
fsr-3899	262	15	than	than	ADP
fsr-3899	262	16	a	a	DET
fsr-3899	262	17	trial	trial	NOUN
fsr-3899	262	18	-	-	PUNCT
fsr-3899	262	19	anderror	anderror	NOUN
fsr-3899	262	20	algorithm	algorithm	NOUN
fsr-3899	262	21	.	.	PUNCT
fsr-3899	263	1	it	it	PRON
fsr-3899	263	2	is	be	AUX
fsr-3899	263	3	not	not	PART
fsr-3899	263	4	a	a	DET
fsr-3899	263	5	“	"	PUNCT
fsr-3899	263	6	black	black	ADJ
fsr-3899	263	7	box	box	NOUN
fsr-3899	263	8	”	"	PUNCT
fsr-3899	263	9	;	;	PUNCT
fsr-3899	263	10	there	there	PRON
fsr-3899	263	11	is	be	VERB
fsr-3899	263	12	nothing	nothing	PRON
fsr-3899	263	13	mysterious	mysterious	ADJ
fsr-3899	263	14	going	go	VERB
fsr-3899	263	15	on	on	ADP
fsr-3899	263	16	inside	inside	ADV
fsr-3899	263	17	of	of	ADP
fsr-3899	263	18	the	the	DET
fsr-3899	263	19	computer	computer	NOUN
fsr-3899	263	20	as	as	SCONJ
fsr-3899	263	21	goal	goal	NOUN
fsr-3899	263	22	seek	seek	VERB
fsr-3899	263	23	iterates	iterate	VERB
fsr-3899	263	24	to	to	ADP
fsr-3899	263	25	a	a	DET
fsr-3899	263	26	value	value	NOUN
fsr-3899	263	27	of	of	ADP
fsr-3899	263	28	364.829755293873	364.829755293873	NUM
fsr-3899	263	29	for	for	ADP
fsr-3899	263	30	the	the	DET
fsr-3899	263	31	loan	loan	NOUN
fsr-3899	263	32	payment	payment	NOUN
fsr-3899	263	33	amount	amount	NOUN
fsr-3899	263	34	.	.	PUNCT
fsr-3899	264	1	2	2	X
fsr-3899	264	2	.	.	X
fsr-3899	264	3	because	because	SCONJ
fsr-3899	264	4	many	many	ADJ
fsr-3899	264	5	students	student	NOUN
fsr-3899	264	6	do	do	AUX
fsr-3899	264	7	not	not	PART
fsr-3899	264	8	really	really	ADV
fsr-3899	264	9	understand	understand	VERB
fsr-3899	264	10	the	the	DET
fsr-3899	264	11	annuity	annuity	NOUN
fsr-3899	264	12	concept	concept	NOUN
fsr-3899	264	13	when	when	SCONJ
fsr-3899	264	14	they	they	PRON
fsr-3899	264	15	enter	enter	VERB
fsr-3899	264	16	a	a	DET
fsr-3899	264	17	financial	financial	ADJ
fsr-3899	264	18	planning	planning	NOUN
fsr-3899	264	19	class	class	NOUN
fsr-3899	264	20	,	,	PUNCT
fsr-3899	264	21	either	either	CCONJ
fsr-3899	264	22	because	because	SCONJ
fsr-3899	264	23	they	they	PRON
fsr-3899	264	24	have	have	AUX
fsr-3899	264	25	not	not	PART
fsr-3899	264	26	had	have	VERB
fsr-3899	264	27	a	a	DET
fsr-3899	264	28	basic	basic	ADJ
fsr-3899	264	29	finance	finance	NOUN
fsr-3899	264	30	class	class	NOUN
fsr-3899	264	31	or	or	CCONJ
fsr-3899	264	32	the	the	DET
fsr-3899	264	33	concept	concept	NOUN
fsr-3899	264	34	failed	fail	VERB
fsr-3899	264	35	to	to	PART
fsr-3899	264	36	gel	gel	VERB
fsr-3899	264	37	when	when	SCONJ
fsr-3899	264	38	they	they	PRON
fsr-3899	264	39	took	take	VERB
fsr-3899	264	40	a	a	DET
fsr-3899	264	41	basic	basic	ADJ
fsr-3899	264	42	finance	finance	NOUN
fsr-3899	264	43	class	class	NOUN
fsr-3899	264	44	,	,	PUNCT
fsr-3899	264	45	another	another	DET
fsr-3899	264	46	useful	useful	ADJ
fsr-3899	264	47	exercise	exercise	NOUN
fsr-3899	264	48	at	at	ADP
fsr-3899	264	49	this	this	DET
fsr-3899	264	50	point	point	NOUN
fsr-3899	264	51	in	in	ADP
fsr-3899	264	52	the	the	DET
fsr-3899	264	53	classroom	classroom	NOUN
fsr-3899	264	54	is	be	AUX
fsr-3899	264	55	to	to	PART
fsr-3899	264	56	show	show	VERB
fsr-3899	264	57	them	they	PRON
fsr-3899	264	58	what	what	PRON
fsr-3899	264	59	the	the	DET
fsr-3899	264	60	annuity	annuity	NOUN
fsr-3899	264	61	factor	factor	NOUN
fsr-3899	264	62	27.41	27.41	NUM
fsr-3899	264	63	means	mean	NOUN
fsr-3899	264	64	.	.	PUNCT
fsr-3899	265	1	in	in	ADP
fsr-3899	265	2	cell	cell	NOUN
fsr-3899	265	3	j2	j2	PROPN
fsr-3899	265	4	,	,	PUNCT
fsr-3899	265	5	enter5g42	enter5g42	X
fsr-3899	265	6	.	.	PUNCT
fsr-3899	265	7	enter50.075/4*j2	enter50.075/4*j2	VERB
fsr-3899	265	8	into	into	ADP
fsr-3899	265	9	cell	cell	NOUN
fsr-3899	265	10	k2	k2	NOUN
fsr-3899	265	11	.	.	PUNCT
fsr-3899	266	1	enter	enter	VERB
fsr-3899	266	2	1	1	NUM
fsr-3899	266	3	into	into	ADP
fsr-3899	266	4	cell	cell	NOUN
fsr-3899	266	5	l2	l2	NOUN
fsr-3899	266	6	.	.	PUNCT
fsr-3899	267	1	enter	enter	VERB
fsr-3899	267	2	5j21k2	5j21k2	NUM
fsr-3899	267	3	-	-	PUNCT
fsr-3899	267	4	l2	l2	NOUN
fsr-3899	267	5	into	into	ADP
fsr-3899	267	6	cell	cell	NOUN
fsr-3899	267	7	m2	m2	PROPN
fsr-3899	267	8	.	.	PUNCT
fsr-3899	268	1	enter5m2	enter5m2	PROPN
fsr-3899	268	2	into	into	ADP
fsr-3899	268	3	cell	cell	NOUN
fsr-3899	268	4	j3	j3	PROPN
fsr-3899	268	5	.	.	PUNCT
fsr-3899	269	1	copy	copy	PROPN
fsr-3899	269	2	-	-	PUNCT
fsr-3899	269	3	down	down	ADP
fsr-3899	269	4	the	the	DET
fsr-3899	269	5	formula	formula	NOUN
fsr-3899	269	6	from	from	ADP
fsr-3899	269	7	k2	k2	PROPN
fsr-3899	269	8	into	into	ADP
fsr-3899	269	9	cell	cell	NOUN
fsr-3899	269	10	k3	k3	VERB
fsr-3899	269	11	.	.	PUNCT
fsr-3899	270	1	set	set	VERB
fsr-3899	270	2	cell	cell	NOUN
fsr-3899	270	3	l35l2	l35l2	PROPN
fsr-3899	270	4	.	.	PUNCT
fsr-3899	271	1	copy	copy	PROPN
fsr-3899	271	2	-	-	PUNCT
fsr-3899	271	3	down	down	ADP
fsr-3899	271	4	the	the	DET
fsr-3899	271	5	formula	formula	NOUN
fsr-3899	271	6	from	from	ADP
fsr-3899	271	7	cell	cell	NOUN
fsr-3899	271	8	m2	m2	PROPN
fsr-3899	271	9	into	into	ADP
fsr-3899	271	10	cell	cell	NOUN
fsr-3899	271	11	m3	m3	PROPN
fsr-3899	271	12	.	.	PUNCT
fsr-3899	272	1	click	click	VERB
fsr-3899	272	2	on	on	ADP
fsr-3899	272	3	cells	cell	NOUN
fsr-3899	272	4	j3	j3	PROPN
fsr-3899	272	5	through	through	ADP
fsr-3899	272	6	m3	m3	PROPN
fsr-3899	272	7	.	.	PUNCT
fsr-3899	273	1	copy	copy	VERB
fsr-3899	273	2	down	down	ADP
fsr-3899	273	3	through	through	ADP
fsr-3899	273	4	row	row	NOUN
fsr-3899	273	5	10	10	NUM
fsr-3899	273	6	.	.	PUNCT
fsr-3899	274	1	edit	edit	VERB
fsr-3899	274	2	the	the	DET
fsr-3899	274	3	interest	interest	NOUN
fsr-3899	274	4	formula	formula	NOUN
fsr-3899	274	5	in	in	ADP
fsr-3899	274	6	cell	cell	NOUN
fsr-3899	274	7	k10	k10	NOUN
fsr-3899	274	8	to	to	ADP
fsr-3899	274	9	50.0825/4*j10	50.0825/4*j10	NUM
fsr-3899	274	10	.	.	PUNCT
fsr-3899	275	1	click	click	VERB
fsr-3899	275	2	on	on	ADP
fsr-3899	275	3	cells	cell	NOUN
fsr-3899	275	4	j10	j10	PROPN
fsr-3899	275	5	through	through	ADP
fsr-3899	275	6	m10	m10	PROPN
fsr-3899	275	7	,	,	PUNCT
fsr-3899	275	8	and	and	CCONJ
fsr-3899	275	9	copy	copy	VERB
fsr-3899	275	10	their	their	PRON
fsr-3899	275	11	formulae	formulae	NOUN
fsr-3899	275	12	down	down	ADP
fsr-3899	275	13	through	through	ADP
fsr-3899	275	14	row	row	NOUN
fsr-3899	275	15	41	41	NUM
fsr-3899	275	16	.	.	PUNCT
fsr-3899	276	1	in	in	ADP
fsr-3899	276	2	cell	cell	NOUN
fsr-3899	276	3	m41	m41	NOUN
fsr-3899	276	4	,	,	PUNCT
fsr-3899	276	5	the	the	DET
fsr-3899	276	6	student	student	NOUN
fsr-3899	276	7	will	will	AUX
fsr-3899	276	8	see	see	VERB
fsr-3899	276	9	a	a	DET
fsr-3899	276	10	$	$	SYM
fsr-3899	276	11	0.00	0.00	NUM
fsr-3899	276	12	.	.	PUNCT
fsr-3899	277	1	you	you	PRON
fsr-3899	277	2	invest	invest	VERB
fsr-3899	277	3	$	$	SYM
fsr-3899	277	4	27.41	27.41	NUM
fsr-3899	277	5	in	in	ADP
fsr-3899	277	6	the	the	DET
fsr-3899	277	7	bank	bank	NOUN
fsr-3899	277	8	.	.	PUNCT
fsr-3899	278	1	the	the	DET
fsr-3899	278	2	bank	bank	NOUN
fsr-3899	278	3	pays	pay	VERB
fsr-3899	278	4	you	you	PRON
fsr-3899	278	5	interest	interest	NOUN
fsr-3899	278	6	of	of	ADP
fsr-3899	278	7	7.5	7.5	NUM
fsr-3899	278	8	%	%	NOUN
fsr-3899	278	9	annually	annually	ADV
fsr-3899	278	10	(	(	PUNCT
fsr-3899	278	11	compounded	compound	VERB
fsr-3899	278	12	quarterly	quarterly	ADV
fsr-3899	278	13	)	)	PUNCT
fsr-3899	278	14	for	for	ADP
fsr-3899	278	15	two	two	NUM
fsr-3899	278	16	years	year	NOUN
fsr-3899	278	17	,	,	PUNCT
fsr-3899	278	18	then	then	ADV
fsr-3899	278	19	8.25	8.25	NUM
fsr-3899	278	20	%	%	NOUN
fsr-3899	278	21	annually	annually	ADV
fsr-3899	278	22	(	(	PUNCT
fsr-3899	278	23	compounded	compound	VERB
fsr-3899	278	24	quarterly	quarterly	ADV
fsr-3899	278	25	)	)	PUNCT
fsr-3899	278	26	for	for	ADP
fsr-3899	278	27	eight	eight	NUM
fsr-3899	278	28	years	year	NOUN
fsr-3899	278	29	.	.	PUNCT
fsr-3899	279	1	at	at	ADP
fsr-3899	279	2	the	the	DET
fsr-3899	279	3	end	end	NOUN
fsr-3899	279	4	of	of	ADP
fsr-3899	279	5	each	each	DET
fsr-3899	279	6	quarter	quarter	NOUN
fsr-3899	279	7	,	,	PUNCT
fsr-3899	279	8	you	you	PRON
fsr-3899	279	9	withdraw	withdraw	VERB
fsr-3899	279	10	one	one	NUM
fsr-3899	279	11	dollar	dollar	NOUN
fsr-3899	279	12	.	.	PUNCT
fsr-3899	280	1	at	at	ADP
fsr-3899	280	2	the	the	DET
fsr-3899	280	3	end	end	NOUN
fsr-3899	280	4	of	of	ADP
fsr-3899	280	5	40	40	NUM
fsr-3899	280	6	quarters	quarter	NOUN
fsr-3899	280	7	,	,	PUNCT
fsr-3899	280	8	your	your	PRON
fsr-3899	280	9	bank	bank	NOUN
fsr-3899	280	10	account	account	NOUN
fsr-3899	280	11	has	have	VERB
fsr-3899	280	12	a	a	DET
fsr-3899	280	13	zero	zero	NUM
fsr-3899	280	14	balance	balance	NOUN
fsr-3899	280	15	.	.	PUNCT
fsr-3899	281	1	the	the	DET
fsr-3899	281	2	present	present	ADJ
fsr-3899	281	3	value	value	NOUN
fsr-3899	281	4	of	of	ADP
fsr-3899	281	5	a	a	DET
fsr-3899	281	6	$	$	SYM
fsr-3899	281	7	1.00	1.00	NUM
fsr-3899	281	8	,	,	PUNCT
fsr-3899	281	9	payable	payable	ADJ
fsr-3899	281	10	at	at	ADP
fsr-3899	281	11	the	the	DET
fsr-3899	281	12	end	end	NOUN
fsr-3899	281	13	of	of	ADP
fsr-3899	281	14	each	each	DET
fsr-3899	281	15	quarter	quarter	NOUN
fsr-3899	281	16	for	for	ADP
fsr-3899	281	17	40	40	NUM
fsr-3899	281	18	quarters	quarter	NOUN
fsr-3899	281	19	,	,	PUNCT
fsr-3899	281	20	given	give	VERB
fsr-3899	281	21	the	the	DET
fsr-3899	281	22	above	above	ADJ
fsr-3899	281	23	interest	interest	NOUN
fsr-3899	281	24	rates	rate	NOUN
fsr-3899	281	25	,	,	PUNCT
fsr-3899	281	26	is	be	AUX
fsr-3899	281	27	$	$	SYM
fsr-3899	281	28	27.41	27.41	NUM
fsr-3899	281	29	.	.	PUNCT
fsr-3899	282	1	by	by	ADP
fsr-3899	282	2	looking	look	VERB
fsr-3899	282	3	at	at	ADP
fsr-3899	282	4	how	how	SCONJ
fsr-3899	282	5	the	the	DET
fsr-3899	282	6	cash	cash	NOUN
fsr-3899	282	7	flows	flow	VERB
fsr-3899	282	8	through	through	ADP
fsr-3899	282	9	a	a	DET
fsr-3899	282	10	bank	bank	NOUN
fsr-3899	282	11	over	over	ADP
fsr-3899	282	12	a	a	DET
fsr-3899	282	13	ten	ten	NUM
fsr-3899	282	14	-	-	PUNCT
fsr-3899	282	15	year	year	NOUN
fsr-3899	282	16	period	period	NOUN
fsr-3899	282	17	,	,	PUNCT
fsr-3899	282	18	your	your	PRON
fsr-3899	282	19	students	student	NOUN
fsr-3899	282	20	can	can	AUX
fsr-3899	282	21	see	see	VERB
fsr-3899	282	22	exactly	exactly	ADV
fsr-3899	282	23	how	how	SCONJ
fsr-3899	282	24	annuities	annuity	NOUN
fsr-3899	282	25	work	work	VERB
fsr-3899	282	26	.	.	PUNCT
fsr-3899	283	1	note	note	VERB
fsr-3899	283	2	that	that	SCONJ
fsr-3899	283	3	you	you	PRON
fsr-3899	283	4	could	could	AUX
fsr-3899	283	5	put	put	VERB
fsr-3899	283	6	any	any	DET
fsr-3899	283	7	number	number	NOUN
fsr-3899	283	8	into	into	ADP
fsr-3899	283	9	cell	cell	NOUN
fsr-3899	283	10	j2	j2	NOUN
fsr-3899	283	11	,	,	PUNCT
fsr-3899	283	12	target	target	NOUN
fsr-3899	283	13	cell	cell	NOUN
fsr-3899	283	14	m41	m41	NOUN
fsr-3899	283	15	to	to	ADP
fsr-3899	283	16	a	a	DET
fsr-3899	283	17	zero	zero	NUM
fsr-3899	283	18	value	value	NOUN
fsr-3899	283	19	,	,	PUNCT
fsr-3899	283	20	and	and	CCONJ
fsr-3899	283	21	then	then	ADV
fsr-3899	283	22	use	use	VERB
fsr-3899	283	23	goal	goal	NOUN
fsr-3899	283	24	seek	seek	VERB
fsr-3899	283	25	to	to	PART
fsr-3899	283	26	find	find	VERB
fsr-3899	283	27	the	the	DET
fsr-3899	283	28	initial	initial	ADJ
fsr-3899	283	29	sum	sum	NOUN
fsr-3899	283	30	of	of	ADP
fsr-3899	283	31	money	money	NOUN
fsr-3899	283	32	,	,	PUNCT
fsr-3899	283	33	$	$	SYM
fsr-3899	283	34	27.41	27.41	NUM
fsr-3899	283	35	,	,	PUNCT
fsr-3899	283	36	needed	need	VERB
fsr-3899	283	37	to	to	PART
fsr-3899	283	38	provide	provide	VERB
fsr-3899	283	39	a	a	DET
fsr-3899	283	40	dollar	dollar	NOUN
fsr-3899	283	41	per	per	ADP
fsr-3899	283	42	quarter	quarter	NOUN
fsr-3899	283	43	for	for	ADP
fsr-3899	283	44	40	40	NUM
fsr-3899	283	45	quarters	quarter	NOUN
fsr-3899	283	46	.	.	PUNCT
fsr-3899	284	1	3	3	X
fsr-3899	284	2	.	.	X
fsr-3899	284	3	these	these	DET
fsr-3899	284	4	three	three	NUM
fsr-3899	284	5	approaches	approach	NOUN
fsr-3899	284	6	(	(	PUNCT
fsr-3899	284	7	constant	constant	ADJ
fsr-3899	284	8	dollar	dollar	NOUN
fsr-3899	284	9	,	,	PUNCT
fsr-3899	284	10	constant	constant	ADJ
fsr-3899	284	11	percentage	percentage	NOUN
fsr-3899	284	12	,	,	PUNCT
fsr-3899	284	13	and	and	CCONJ
fsr-3899	284	14	constant	constant	ADJ
fsr-3899	284	15	growth	growth	NOUN
fsr-3899	284	16	of	of	ADP
fsr-3899	284	17	an	an	DET
fsr-3899	284	18	initial	initial	ADJ
fsr-3899	284	19	percentage	percentage	NOUN
fsr-3899	284	20	)	)	PUNCT
fsr-3899	284	21	are	be	AUX
fsr-3899	284	22	the	the	DET
fsr-3899	284	23	three	three	NUM
fsr-3899	284	24	approaches	approach	NOUN
fsr-3899	284	25	that	that	SCONJ
fsr-3899	284	26	the	the	DET
fsr-3899	284	27	major	major	ADJ
fsr-3899	284	28	mutual	mutual	ADJ
fsr-3899	284	29	fund	fund	NOUN
fsr-3899	284	30	providers	provider	NOUN
fsr-3899	284	31	put	put	VERB
fsr-3899	284	32	on	on	ADP
fsr-3899	284	33	their	their	PRON
fsr-3899	284	34	web	web	NOUN
fsr-3899	284	35	sites	site	NOUN
fsr-3899	284	36	for	for	ADP
fsr-3899	284	37	use	use	NOUN
fsr-3899	284	38	by	by	ADP
fsr-3899	284	39	their	their	PRON
fsr-3899	284	40	customers	customer	NOUN
fsr-3899	284	41	to	to	PART
fsr-3899	284	42	answer	answer	VERB
fsr-3899	284	43	the	the	DET
fsr-3899	284	44	question	question	NOUN
fsr-3899	284	45	“	"	PUNCT
fsr-3899	284	46	how	how	SCONJ
fsr-3899	284	47	much	much	ADJ
fsr-3899	284	48	should	should	AUX
fsr-3899	284	49	i	i	PRON
fsr-3899	284	50	save	save	VERB
fsr-3899	284	51	to	to	PART
fsr-3899	284	52	provide	provide	VERB
fsr-3899	284	53	for	for	ADP
fsr-3899	284	54	my	my	PRON
fsr-3899	284	55	retirement	retirement	NOUN
fsr-3899	284	56	?	?	PUNCT
fsr-3899	284	57	”	"	PUNCT
fsr-3899	285	1	the	the	DET
fsr-3899	285	2	rpm	rpm	NOUN
fsr-3899	285	3	article	article	NOUN
fsr-3899	285	4	explored	explore	VERB
fsr-3899	285	5	the	the	DET
fsr-3899	285	6	mathematics	mathematic	NOUN
fsr-3899	285	7	underlying	underlie	VERB
fsr-3899	285	8	those	those	DET
fsr-3899	285	9	three	three	NUM
fsr-3899	285	10	approaches	approach	NOUN
fsr-3899	285	11	.	.	PUNCT
fsr-3899	286	1	4	4	X
fsr-3899	286	2	.	.	X
fsr-3899	286	3	when	when	SCONJ
fsr-3899	286	4	our	our	PRON
fsr-3899	286	5	hypothetical	hypothetical	ADJ
fsr-3899	286	6	student	student	NOUN
fsr-3899	286	7	retires	retire	VERB
fsr-3899	286	8	at	at	ADP
fsr-3899	286	9	age	age	NOUN
fsr-3899	286	10	55	55	NUM
fsr-3899	286	11	,	,	PUNCT
fsr-3899	286	12	to	to	PART
fsr-3899	286	13	provide	provide	VERB
fsr-3899	286	14	a	a	DET
fsr-3899	286	15	constant	constant	ADJ
fsr-3899	286	16	dollar	dollar	NOUN
fsr-3899	286	17	annuity	annuity	NOUN
fsr-3899	286	18	equal	equal	ADJ
fsr-3899	286	19	to	to	ADP
fsr-3899	286	20	one	one	NUM
fsr-3899	286	21	-	-	PUNCT
fsr-3899	286	22	half	half	NOUN
fsr-3899	286	23	of	of	ADP
fsr-3899	286	24	her	her	PRON
fsr-3899	286	25	final	final	ADJ
fsr-3899	286	26	salary	salary	NOUN
fsr-3899	286	27	for	for	ADP
fsr-3899	286	28	25	25	NUM
fsr-3899	286	29	years	year	NOUN
fsr-3899	286	30	,	,	PUNCT
fsr-3899	286	31	she	she	PRON
fsr-3899	286	32	needs	need	VERB
fsr-3899	286	33	$	$	SYM
fsr-3899	286	34	469,526	469,526	NUM
fsr-3899	286	35	,	,	PUNCT
fsr-3899	286	36	assuming	assume	VERB
fsr-3899	286	37	an	an	DET
fsr-3899	286	38	8	8	NUM
fsr-3899	286	39	%	%	NOUN
fsr-3899	286	40	nominal	nominal	ADJ
fsr-3899	286	41	interest	interest	NOUN
fsr-3899	286	42	rate	rate	NOUN
fsr-3899	286	43	.	.	PUNCT
fsr-3899	287	1	in	in	ADP
fsr-3899	287	2	the	the	DET
fsr-3899	287	3	same	same	ADJ
fsr-3899	287	4	sense	sense	NOUN
fsr-3899	287	5	that	that	SCONJ
fsr-3899	287	6	$	$	SYM
fsr-3899	287	7	27.41	27.41	NUM
fsr-3899	287	8	was	be	AUX
fsr-3899	287	9	the	the	DET
fsr-3899	287	10	amount	amount	NOUN
fsr-3899	287	11	of	of	ADP
fsr-3899	287	12	money	money	NOUN
fsr-3899	287	13	needed	need	VERB
fsr-3899	287	14	to	to	PART
fsr-3899	287	15	provide	provide	VERB
fsr-3899	287	16	a	a	DET
fsr-3899	287	17	$	$	SYM
fsr-3899	287	18	1.00	1.00	NUM
fsr-3899	287	19	per	per	ADP
fsr-3899	287	20	quarter	quarter	NOUN
fsr-3899	287	21	for	for	ADP
fsr-3899	287	22	40	40	NUM
fsr-3899	287	23	quarters	quarter	NOUN
fsr-3899	287	24	,	,	PUNCT
fsr-3899	287	25	$	$	SYM
fsr-3899	287	26	469,526	469,526	NUM
fsr-3899	287	27	is	be	AUX
fsr-3899	287	28	the	the	DET
fsr-3899	287	29	amount	amount	NOUN
fsr-3899	287	30	of	of	ADP
fsr-3899	287	31	money	money	NOUN
fsr-3899	287	32	needed	need	VERB
fsr-3899	287	33	to	to	PART
fsr-3899	287	34	provide	provide	VERB
fsr-3899	287	35	an	an	DET
fsr-3899	287	36	initial	initial	ADJ
fsr-3899	287	37	annuity	annuity	NOUN
fsr-3899	287	38	of	of	ADP
fsr-3899	287	39	$	$	SYM
fsr-3899	287	40	33,188	33,188	NUM
fsr-3899	287	41	in	in	ADP
fsr-3899	287	42	her	her	PRON
fsr-3899	287	43	first	first	ADJ
fsr-3899	287	44	year	year	NOUN
fsr-3899	287	45	of	of	ADP
fsr-3899	287	46	retirement	retirement	NOUN
fsr-3899	287	47	and	and	CCONJ
fsr-3899	287	48	$	$	SYM
fsr-3899	287	49	70,679	70,679	NUM
fsr-3899	287	50	in	in	ADP
fsr-3899	287	51	her	her	PRON
fsr-3899	287	52	last	last	ADJ
fsr-3899	287	53	year	year	NOUN
fsr-3899	287	54	of	of	ADP
fsr-3899	287	55	retirement	retirement	NOUN
fsr-3899	287	56	.	.	PUNCT
fsr-3899	288	1	by	by	ADP
fsr-3899	288	2	assumption	assumption	NOUN
fsr-3899	288	3	,	,	PUNCT
fsr-3899	288	4	she	she	PRON
fsr-3899	288	5	has	have	AUX
fsr-3899	288	6	not	not	PART
fsr-3899	288	7	yet	yet	ADV
fsr-3899	288	8	accumulated	accumulate	VERB
fsr-3899	288	9	any	any	DET
fsr-3899	288	10	funds	fund	NOUN
fsr-3899	288	11	for	for	ADP
fsr-3899	288	12	retirement	retirement	NOUN
fsr-3899	288	13	when	when	SCONJ
fsr-3899	288	14	she	she	PRON
fsr-3899	288	15	begins	begin	VERB
fsr-3899	288	16	working	work	VERB
fsr-3899	288	17	.	.	PUNCT
fsr-3899	289	1	since	since	SCONJ
fsr-3899	289	2	$	$	SYM
fsr-3899	289	3	469,526	469,526	NUM
fsr-3899	289	4	(	(	PUNCT
fsr-3899	289	5	her	her	PRON
fsr-3899	289	6	future	future	ADJ
fsr-3899	289	7	retirement	retirement	NOUN
fsr-3899	289	8	fund	fund	PROPN
fsr-3899	289	9	)	)	PUNCT
fsr-3899	289	10	minus	minus	CCONJ
fsr-3899	289	11	$	$	SYM
fsr-3899	289	12	0	0	NUM
fsr-3899	289	13	(	(	PUNCT
fsr-3899	289	14	her	her	PRON
fsr-3899	289	15	current	current	ADJ
fsr-3899	289	16	retirement	retirement	NOUN
fsr-3899	289	17	fund	fund	PROPN
fsr-3899	289	18	)	)	PUNCT
fsr-3899	289	19	is	be	AUX
fsr-3899	289	20	equal	equal	ADJ
fsr-3899	289	21	to	to	ADP
fsr-3899	289	22	$	$	SYM
fsr-3899	289	23	469,526	469,526	NUM
fsr-3899	289	24	,	,	PUNCT
fsr-3899	289	25	the	the	DET
fsr-3899	289	26	cash	cash	NOUN
fsr-3899	289	27	flow	flow	NOUN
fsr-3899	289	28	methodology	methodology	NOUN
fsr-3899	289	29	computes	compute	VERB
fsr-3899	289	30	the	the	DET
fsr-3899	289	31	retirement	retirement	NOUN
fsr-3899	289	32	gap	gap	NOUN
fsr-3899	289	33	as	as	ADP
fsr-3899	289	34	a	a	DET
fsr-3899	289	35	byproduct	byproduct	NOUN
fsr-3899	289	36	of	of	ADP
fsr-3899	289	37	solving	solve	VERB
fsr-3899	289	38	the	the	DET
fsr-3899	289	39	retirement	retirement	NOUN
fsr-3899	289	40	funding	funding	NOUN
fsr-3899	289	41	problem	problem	NOUN
fsr-3899	289	42	.	.	PUNCT
fsr-3899	290	1	alternately	alternately	ADV
fsr-3899	290	2	,	,	PUNCT
fsr-3899	290	3	$	$	SYM
fsr-3899	290	4	469,526	469,526	NUM
fsr-3899	290	5	is	be	AUX
fsr-3899	290	6	the	the	DET
fsr-3899	290	7	present	present	ADJ
fsr-3899	290	8	value	value	NOUN
fsr-3899	290	9	of	of	ADP
fsr-3899	290	10	the	the	DET
fsr-3899	290	11	25	25	NUM
fsr-3899	290	12	retirement	retirement	NOUN
fsr-3899	290	13	annuity	annuity	NOUN
fsr-3899	290	14	payments	payment	NOUN
fsr-3899	290	15	,	,	PUNCT
fsr-3899	290	16	computed	compute	VERB
fsr-3899	290	17	on	on	ADP
fsr-3899	290	18	an	an	DET
fsr-3899	290	19	ordinary	ordinary	ADJ
fsr-3899	290	20	annuity	annuity	NOUN
fsr-3899	290	21	basis	basis	NOUN
fsr-3899	290	22	.	.	PUNCT
fsr-3899	291	1	281r.r	281r.r	X
fsr-3899	291	2	.	.	PUNCT
fsr-3899	292	1	crabb	crabb	PROPN
fsr-3899	292	2	/	/	SYM
fsr-3899	292	3	financial	financial	ADJ
fsr-3899	292	4	services	service	NOUN
fsr-3899	292	5	review	review	VERB
fsr-3899	292	6	8	8	NUM
fsr-3899	292	7	(	(	PUNCT
fsr-3899	292	8	1999	1999	NUM
fsr-3899	292	9	)	)	PUNCT
fsr-3899	292	10	269–282	269–282	NUM
fsr-3899	292	11	acknowledgment	acknowledgment	NOUN
fsr-3899	292	12	the	the	DET
fsr-3899	292	13	author	author	NOUN
fsr-3899	292	14	wishes	wish	VERB
fsr-3899	292	15	to	to	PART
fsr-3899	292	16	thank	thank	VERB
fsr-3899	292	17	two	two	NUM
fsr-3899	292	18	anonymous	anonymous	ADJ
fsr-3899	292	19	reviewers	reviewer	NOUN
fsr-3899	292	20	.	.	PUNCT
fsr-3899	293	1	without	without	ADP
fsr-3899	293	2	their	their	PRON
fsr-3899	293	3	input	input	NOUN
fsr-3899	293	4	,	,	PUNCT
fsr-3899	293	5	this	this	DET
fsr-3899	293	6	paper	paper	NOUN
fsr-3899	293	7	would	would	AUX
fsr-3899	293	8	not	not	PART
fsr-3899	293	9	exist	exist	VERB
fsr-3899	293	10	.	.	PUNCT
fsr-3899	294	1	his	his	PRON
fsr-3899	294	2	thanks	thank	NOUN
fsr-3899	294	3	are	be	AUX
fsr-3899	294	4	also	also	ADV
fsr-3899	294	5	extended	extend	VERB
fsr-3899	294	6	to	to	ADP
fsr-3899	294	7	his	his	PRON
fsr-3899	294	8	secretary	secretary	NOUN
fsr-3899	294	9	and	and	CCONJ
fsr-3899	294	10	his	his	PRON
fsr-3899	294	11	wife	wife	NOUN
fsr-3899	294	12	for	for	ADP
fsr-3899	294	13	reading	read	VERB
fsr-3899	294	14	all	all	DET
fsr-3899	294	15	drafts	draft	NOUN
fsr-3899	294	16	of	of	ADP
fsr-3899	294	17	this	this	DET
fsr-3899	294	18	paper	paper	NOUN
fsr-3899	294	19	,	,	PUNCT
fsr-3899	294	20	checking	check	VERB
fsr-3899	294	21	cell	cell	NOUN
fsr-3899	294	22	addresses	address	NOUN
fsr-3899	294	23	for	for	ADP
fsr-3899	294	24	accuracy	accuracy	NOUN
fsr-3899	294	25	and	and	CCONJ
fsr-3899	294	26	grammar	grammar	NOUN
fsr-3899	294	27	for	for	ADP
fsr-3899	294	28	consistency	consistency	NOUN
fsr-3899	294	29	.	.	PUNCT
fsr-3899	295	1	appendix	appendix	NOUN
fsr-3899	295	2	a.1	a.1	NOUN
fsr-3899	295	3	.	.	PUNCT
fsr-3899	296	1	equation	equation	NOUN
fsr-3899	296	2	instructions	instruction	NOUN
fsr-3899	296	3	for	for	ADP
fsr-3899	296	4	the	the	DET
fsr-3899	296	5	constant	constant	ADJ
fsr-3899	296	6	dollar	dollar	NOUN
fsr-3899	296	7	spreadsheet	spreadsheet	NOUN
fsr-3899	296	8	shown	show	VERB
fsr-3899	296	9	in	in	ADP
fsr-3899	296	10	fig	fig	NOUN
fsr-3899	296	11	.	.	PUNCT
fsr-3899	297	1	2	2	NUM
fsr-3899	297	2	.	.	X
fsr-3899	297	3	after	after	ADP
fsr-3899	297	4	entering	enter	VERB
fsr-3899	297	5	the	the	DET
fsr-3899	297	6	labels	label	NOUN
fsr-3899	297	7	in	in	ADP
fsr-3899	297	8	cells	cell	NOUN
fsr-3899	297	9	a1	a1	VERB
fsr-3899	297	10	through	through	ADP
fsr-3899	297	11	i1	i1	PROPN
fsr-3899	297	12	,	,	PUNCT
fsr-3899	297	13	a	a	DET
fsr-3899	297	14	1	1	NUM
fsr-3899	297	15	is	be	AUX
fsr-3899	297	16	entered	enter	VERB
fsr-3899	297	17	in	in	ADP
fsr-3899	297	18	cell	cell	NOUN
fsr-3899	297	19	a2	a2	PROPN
fsr-3899	297	20	,	,	PUNCT
fsr-3899	297	21	a	a	DET
fsr-3899	297	22	0	0	NUM
fsr-3899	297	23	in	in	ADP
fsr-3899	297	24	cell	cell	NOUN
fsr-3899	297	25	b2	b2	NOUN
fsr-3899	297	26	,	,	PUNCT
fsr-3899	297	27	5$f$2*b2	5$f$2*b2	NUM
fsr-3899	297	28	in	in	ADP
fsr-3899	297	29	cell	cell	NOUN
fsr-3899	297	30	c2,5$i$2	c2,5$i$2	PROPN
fsr-3899	297	31	in	in	ADP
fsr-3899	297	32	cell	cell	NOUN
fsr-3899	297	33	d2,5sum(b2	d2,5sum(b2	NOUN
fsr-3899	297	34	:	:	PUNCT
fsr-3899	297	35	d2	d2	NOUN
fsr-3899	297	36	)	)	PUNCT
fsr-3899	297	37	in	in	ADP
fsr-3899	297	38	cell	cell	NOUN
fsr-3899	297	39	e2	e2	PROPN
fsr-3899	297	40	,	,	PUNCT
fsr-3899	297	41	8	8	NUM
fsr-3899	297	42	%	%	NOUN
fsr-3899	297	43	in	in	ADP
fsr-3899	297	44	cell	cell	NOUN
fsr-3899	297	45	f2	f2	PROPN
fsr-3899	297	46	,	,	PUNCT
fsr-3899	297	47	3.2	3.2	NUM
fsr-3899	297	48	%	%	NOUN
fsr-3899	297	49	in	in	ADP
fsr-3899	297	50	cell	cell	NOUN
fsr-3899	297	51	g2	g2	PROPN
fsr-3899	297	52	,	,	PUNCT
fsr-3899	297	53	525000*(11$g$2	525000*(11$g$2	NUM
fsr-3899	297	54	)	)	PUNCT
fsr-3899	297	55	in	in	ADP
fsr-3899	297	56	cell	cell	NOUN
fsr-3899	297	57	h2	h2	NOUN
fsr-3899	297	58	,	,	PUNCT
fsr-3899	297	59	and	and	CCONJ
fsr-3899	297	60	$	$	SYM
fsr-3899	297	61	2400	2400	NUM
fsr-3899	297	62	in	in	ADP
fsr-3899	297	63	cell	cell	NOUN
fsr-3899	297	64	i2	i2	PROPN
fsr-3899	297	65	.	.	PUNCT
fsr-3899	298	1	as	as	ADP
fsr-3899	298	2	before	before	ADV
fsr-3899	298	3	(	(	PUNCT
fsr-3899	298	4	the	the	DET
fsr-3899	298	5	loan	loan	NOUN
fsr-3899	298	6	and	and	CCONJ
fsr-3899	298	7	mortgage	mortgage	NOUN
fsr-3899	298	8	cash	cash	NOUN
fsr-3899	298	9	flow	flow	NOUN
fsr-3899	298	10	spreadsheets	spreadsheet	NOUN
fsr-3899	298	11	)	)	PUNCT
fsr-3899	298	12	,	,	PUNCT
fsr-3899	298	13	some	some	DET
fsr-3899	298	14	cells	cell	NOUN
fsr-3899	298	15	in	in	ADP
fsr-3899	298	16	row	row	NOUN
fsr-3899	298	17	3	3	NUM
fsr-3899	298	18	are	be	AUX
fsr-3899	298	19	different	different	ADJ
fsr-3899	298	20	from	from	ADP
fsr-3899	298	21	those	those	PRON
fsr-3899	298	22	in	in	ADP
fsr-3899	298	23	row	row	NOUN
fsr-3899	298	24	2	2	NUM
fsr-3899	298	25	.	.	PUNCT
fsr-3899	298	26	cell	cell	NOUN
fsr-3899	298	27	a3	a3	NOUN
fsr-3899	298	28	is	be	AUX
fsr-3899	298	29	5a211	5a211	NUM
fsr-3899	298	30	;	;	PUNCT
fsr-3899	298	31	cell	cell	NOUN
fsr-3899	298	32	b3	b3	PROPN
fsr-3899	298	33	5	5	NUM
fsr-3899	298	34	e2	e2	PROPN
fsr-3899	298	35	.	.	PUNCT
fsr-3899	299	1	click	click	VERB
fsr-3899	299	2	on	on	ADP
fsr-3899	299	3	cells	cell	NOUN
fsr-3899	299	4	c2	c2	PROPN
fsr-3899	299	5	,	,	PUNCT
fsr-3899	299	6	d2	d2	PROPN
fsr-3899	299	7	,	,	PUNCT
fsr-3899	299	8	and	and	CCONJ
fsr-3899	299	9	e2	e2	PROPN
fsr-3899	299	10	,	,	PUNCT
fsr-3899	299	11	and	and	CCONJ
fsr-3899	299	12	copy	copy	VERB
fsr-3899	299	13	their	their	PRON
fsr-3899	299	14	formulae	formulae	NOUN
fsr-3899	299	15	into	into	ADP
fsr-3899	299	16	cells	cell	NOUN
fsr-3899	299	17	c3	c3	PROPN
fsr-3899	299	18	,	,	PUNCT
fsr-3899	299	19	d3	d3	PROPN
fsr-3899	299	20	,	,	PUNCT
fsr-3899	299	21	and	and	CCONJ
fsr-3899	299	22	e3	e3	NOUN
fsr-3899	299	23	.	.	PUNCT
fsr-3899	300	1	cell	cell	NOUN
fsr-3899	300	2	h3	h3	NOUN
fsr-3899	300	3	is5h2*(11$g$2	is5h2*(11$g$2	PROPN
fsr-3899	300	4	)	)	PUNCT
fsr-3899	300	5	.	.	PUNCT
fsr-3899	301	1	click	click	VERB
fsr-3899	301	2	on	on	ADP
fsr-3899	301	3	cells	cell	NOUN
fsr-3899	301	4	a3	a3	VERB
fsr-3899	301	5	through	through	ADP
fsr-3899	301	6	h3	h3	NOUN
fsr-3899	301	7	,	,	PUNCT
fsr-3899	301	8	and	and	CCONJ
fsr-3899	301	9	copy	copy	VERB
fsr-3899	301	10	down	down	ADP
fsr-3899	301	11	their	their	PRON
fsr-3899	301	12	formulae	formulae	NOUN
fsr-3899	301	13	through	through	ADP
fsr-3899	301	14	row	row	NOUN
fsr-3899	301	15	56	56	NUM
fsr-3899	301	16	.	.	PUNCT
fsr-3899	302	1	because	because	SCONJ
fsr-3899	302	2	she	she	PRON
fsr-3899	302	3	stops	stop	VERB
fsr-3899	302	4	working	work	VERB
fsr-3899	302	5	at	at	ADP
fsr-3899	302	6	age	age	NOUN
fsr-3899	302	7	55	55	NUM
fsr-3899	302	8	,	,	PUNCT
fsr-3899	302	9	clear	clear	ADJ
fsr-3899	302	10	the	the	DET
fsr-3899	302	11	contents	content	NOUN
fsr-3899	302	12	of	of	ADP
fsr-3899	302	13	cells	cell	NOUN
fsr-3899	302	14	h32	h32	VERB
fsr-3899	302	15	:	:	PUNCT
fsr-3899	302	16	h56	h56	PROPN
fsr-3899	302	17	.	.	PUNCT
fsr-3899	303	1	enter	enter	VERB
fsr-3899	303	2	a	a	DET
fsr-3899	303	3	1	1	NUM
fsr-3899	303	4	incell	incell	ADJ
fsr-3899	303	5	a32	a32	NOUN
fsr-3899	303	6	to	to	PART
fsr-3899	303	7	define	define	VERB
fsr-3899	303	8	the	the	DET
fsr-3899	303	9	first	first	ADJ
fsr-3899	303	10	year	year	NOUN
fsr-3899	303	11	of	of	ADP
fsr-3899	303	12	retirement	retirement	NOUN
fsr-3899	303	13	.	.	PUNCT
fsr-3899	304	1	in	in	ADP
fsr-3899	304	2	d32	d32	PROPN
fsr-3899	304	3	,	,	PUNCT
fsr-3899	304	4	enter5	enter5	PROPN
fsr-3899	304	5	20.5*h31*(11$g$2	20.5*h31*(11$g$2	NUM
fsr-3899	304	6	)	)	PUNCT
fsr-3899	304	7	.	.	PUNCT
fsr-3899	305	1	in	in	ADP
fsr-3899	305	2	cell	cell	NOUN
fsr-3899	305	3	d33	d33	NOUN
fsr-3899	305	4	,	,	PUNCT
fsr-3899	305	5	enter5	enter5	PROPN
fsr-3899	305	6	d32*(11$g$2	d32*(11$g$2	PROPN
fsr-3899	305	7	)	)	PUNCT
fsr-3899	306	1	;	;	PUNCT
fsr-3899	306	2	then	then	ADV
fsr-3899	306	3	copy	copy	VERB
fsr-3899	306	4	this	this	DET
fsr-3899	306	5	formula	formula	NOUN
fsr-3899	306	6	down	down	ADP
fsr-3899	306	7	through	through	ADP
fsr-3899	306	8	cell	cell	NOUN
fsr-3899	306	9	d56	d56	NOUN
fsr-3899	306	10	.	.	PUNCT
fsr-3899	307	1	format	format	NOUN
fsr-3899	307	2	to	to	ADP
fsr-3899	307	3	dollars	dollar	NOUN
fsr-3899	307	4	without	without	ADP
fsr-3899	307	5	any	any	DET
fsr-3899	307	6	cents	cent	NOUN
fsr-3899	307	7	.	.	PUNCT
fsr-3899	308	1	a.2	a.2	PUNCT
fsr-3899	308	2	.	.	PUNCT
fsr-3899	309	1	equation	equation	NOUN
fsr-3899	309	2	editing	edit	VERB
fsr-3899	309	3	instructions	instruction	NOUN
fsr-3899	309	4	for	for	ADP
fsr-3899	309	5	the	the	DET
fsr-3899	309	6	constant	constant	ADJ
fsr-3899	309	7	percentage	percentage	NOUN
fsr-3899	309	8	spreadsheet	spreadsheet	NOUN
fsr-3899	309	9	to	to	PART
fsr-3899	309	10	edit	edit	VERB
fsr-3899	309	11	the	the	DET
fsr-3899	309	12	constant	constant	ADJ
fsr-3899	309	13	percentage	percentage	NOUN
fsr-3899	309	14	spreadsheet	spreadsheet	NOUN
fsr-3899	309	15	,	,	PUNCT
fsr-3899	309	16	change	change	VERB
fsr-3899	309	17	the	the	DET
fsr-3899	309	18	label	label	NOUN
fsr-3899	309	19	in	in	ADP
fsr-3899	309	20	cell	cell	NOUN
fsr-3899	309	21	i1	i1	PROPN
fsr-3899	309	22	to	to	ADP
fsr-3899	309	23	“	"	PUNCT
fsr-3899	309	24	constant	constant	ADJ
fsr-3899	309	25	percentage	percentage	NOUN
fsr-3899	309	26	.	.	PUNCT
fsr-3899	309	27	”	"	PUNCT
fsr-3899	309	28	reformat	reformat	NOUN
fsr-3899	309	29	cell	cell	NOUN
fsr-3899	309	30	i2	i2	PROPN
fsr-3899	309	31	to	to	ADP
fsr-3899	309	32	a	a	DET
fsr-3899	309	33	percentage	percentage	NOUN
fsr-3899	309	34	format	format	NOUN
fsr-3899	309	35	by	by	ADP
fsr-3899	309	36	typing	type	VERB
fsr-3899	309	37	an	an	DET
fsr-3899	309	38	arbitrary	arbitrary	ADJ
fsr-3899	309	39	10.00	10.00	NUM
fsr-3899	309	40	%	%	NOUN
fsr-3899	309	41	in	in	ADP
fsr-3899	309	42	cell	cell	NOUN
fsr-3899	309	43	i2	i2	PROPN
fsr-3899	309	44	.	.	PUNCT
fsr-3899	310	1	change	change	VERB
fsr-3899	310	2	the	the	DET
fsr-3899	310	3	formula	formula	NOUN
fsr-3899	310	4	in	in	ADP
fsr-3899	310	5	cell	cell	NOUN
fsr-3899	310	6	d2	d2	PROPN
fsr-3899	310	7	to5h2*$i$2	to5h2*$i$2	PROPN
fsr-3899	310	8	.	.	PUNCT
fsr-3899	311	1	click	click	VERB
fsr-3899	311	2	on	on	ADP
fsr-3899	311	3	cell	cell	NOUN
fsr-3899	311	4	d2	d2	NOUN
fsr-3899	311	5	,	,	PUNCT
fsr-3899	311	6	and	and	CCONJ
fsr-3899	311	7	copy	copy	VERB
fsr-3899	311	8	this	this	DET
fsr-3899	311	9	formula	formula	NOUN
fsr-3899	311	10	down	down	ADP
fsr-3899	311	11	through	through	ADP
fsr-3899	311	12	row	row	NOUN
fsr-3899	311	13	31	31	NUM
fsr-3899	311	14	(	(	PUNCT
fsr-3899	311	15	or	or	CCONJ
fsr-3899	311	16	working	working	NOUN
fsr-3899	311	17	year	year	NOUN
fsr-3899	311	18	30	30	NUM
fsr-3899	311	19	)	)	PUNCT
fsr-3899	311	20	.	.	PUNCT
fsr-3899	312	1	bring	bring	VERB
fsr-3899	312	2	up	up	ADP
fsr-3899	312	3	solver	solver	ADV
fsr-3899	312	4	with	with	ADP
fsr-3899	312	5	e56	e56	PROPN
fsr-3899	312	6	as	as	ADP
fsr-3899	312	7	the	the	DET
fsr-3899	312	8	target	target	NOUN
fsr-3899	312	9	cell	cell	NOUN
fsr-3899	312	10	,	,	PUNCT
fsr-3899	312	11	target	target	NOUN
fsr-3899	312	12	cell	cell	NOUN
fsr-3899	312	13	e56	e56	NOUN
fsr-3899	312	14	to	to	ADP
fsr-3899	312	15	zero	zero	NUM
fsr-3899	312	16	,	,	PUNCT
fsr-3899	312	17	type	type	NOUN
fsr-3899	312	18	in	in	ADP
fsr-3899	312	19	i2	i2	PROPN
fsr-3899	312	20	as	as	ADP
fsr-3899	312	21	the	the	DET
fsr-3899	312	22	variable	variable	ADJ
fsr-3899	312	23	cell	cell	NOUN
fsr-3899	312	24	,	,	PUNCT
fsr-3899	312	25	and	and	CCONJ
fsr-3899	312	26	then	then	ADV
fsr-3899	312	27	click	click	VERB
fsr-3899	312	28	on	on	ADP
fsr-3899	312	29	the	the	DET
fsr-3899	312	30	solve	solve	NOUN
fsr-3899	312	31	button	button	NOUN
fsr-3899	312	32	.	.	PUNCT
fsr-3899	313	1	a.3	a.3	NOUN
fsr-3899	313	2	.	.	PUNCT
fsr-3899	314	1	equation	equation	NOUN
fsr-3899	314	2	editing	edit	VERB
fsr-3899	314	3	instructions	instruction	NOUN
fsr-3899	314	4	for	for	ADP
fsr-3899	314	5	the	the	DET
fsr-3899	314	6	constant	constant	ADJ
fsr-3899	314	7	growth	growth	NOUN
fsr-3899	314	8	in	in	ADP
fsr-3899	314	9	an	an	DET
fsr-3899	314	10	initial	initial	ADJ
fsr-3899	314	11	percent	percent	NOUN
fsr-3899	314	12	spreadsheet	spreadsheet	NOUN
fsr-3899	314	13	to	to	PART
fsr-3899	314	14	edit	edit	VERB
fsr-3899	314	15	the	the	DET
fsr-3899	314	16	constant	constant	ADJ
fsr-3899	314	17	growth	growth	NOUN
fsr-3899	314	18	of	of	ADP
fsr-3899	314	19	an	an	DET
fsr-3899	314	20	initial	initial	ADJ
fsr-3899	314	21	percentage	percentage	NOUN
fsr-3899	314	22	spreadsheet	spreadsheet	NOUN
fsr-3899	314	23	,	,	PUNCT
fsr-3899	314	24	change	change	VERB
fsr-3899	314	25	the	the	DET
fsr-3899	314	26	label	label	NOUN
fsr-3899	314	27	in	in	ADP
fsr-3899	314	28	cell	cell	NOUN
fsr-3899	314	29	i1	i1	PROPN
fsr-3899	314	30	to	to	ADP
fsr-3899	314	31	“	"	PUNCT
fsr-3899	314	32	constant	constant	ADJ
fsr-3899	314	33	growth	growth	NOUN
fsr-3899	314	34	rate	rate	NOUN
fsr-3899	314	35	.	.	PUNCT
fsr-3899	314	36	”	"	PUNCT
fsr-3899	314	37	reformat	reformat	NOUN
fsr-3899	314	38	cell	cell	NOUN
fsr-3899	314	39	i2	i2	PROPN
fsr-3899	314	40	to	to	ADP
fsr-3899	314	41	a	a	DET
fsr-3899	314	42	percentage	percentage	NOUN
fsr-3899	314	43	format	format	NOUN
fsr-3899	314	44	by	by	ADP
fsr-3899	314	45	typing	type	VERB
fsr-3899	314	46	an	an	DET
fsr-3899	314	47	arbitrary	arbitrary	ADJ
fsr-3899	314	48	10.00	10.00	NUM
fsr-3899	314	49	%	%	NOUN
fsr-3899	314	50	in	in	ADP
fsr-3899	314	51	cell	cell	NOUN
fsr-3899	314	52	i2	i2	PROPN
fsr-3899	314	53	.	.	PUNCT
fsr-3899	315	1	type	type	VERB
fsr-3899	315	2	the	the	DET
fsr-3899	315	3	label	label	NOUN
fsr-3899	315	4	“	"	PUNCT
fsr-3899	315	5	percent	percent	NOUN
fsr-3899	315	6	of	of	ADP
fsr-3899	315	7	salary	salary	NOUN
fsr-3899	315	8	saved	save	VERB
fsr-3899	315	9	”	"	PUNCT
fsr-3899	315	10	in	in	ADP
fsr-3899	315	11	j1	j1	PROPN
fsr-3899	315	12	and	and	CCONJ
fsr-3899	315	13	type	type	NOUN
fsr-3899	315	14	5.00	5.00	NUM
fsr-3899	315	15	%	%	NOUN
fsr-3899	315	16	in	in	ADP
fsr-3899	315	17	j2	j2	PROPN
fsr-3899	315	18	.	.	PUNCT
fsr-3899	316	1	cell	cell	PROPN
fsr-3899	316	2	d2	d2	PROPN
fsr-3899	316	3	5h2*j2	5h2*j2	PROPN
fsr-3899	316	4	.	.	PUNCT
fsr-3899	317	1	click	click	VERB
fsr-3899	317	2	on	on	ADP
fsr-3899	317	3	cell	cell	NOUN
fsr-3899	317	4	d2	d2	NOUN
fsr-3899	317	5	,	,	PUNCT
fsr-3899	317	6	and	and	CCONJ
fsr-3899	317	7	copy	copy	VERB
fsr-3899	317	8	down	down	ADP
fsr-3899	317	9	through	through	ADP
fsr-3899	317	10	cell	cell	NOUN
fsr-3899	317	11	d31	d31	NOUN
fsr-3899	317	12	.	.	PUNCT
fsr-3899	317	13	cell	cell	NOUN
fsr-3899	317	14	j35j2*(11$i$2	j35j2*(11$i$2	PROPN
fsr-3899	317	15	)	)	PUNCT
fsr-3899	317	16	.	.	PUNCT
fsr-3899	318	1	click	click	VERB
fsr-3899	318	2	on	on	ADP
fsr-3899	318	3	cell	cell	NOUN
fsr-3899	318	4	j3	j3	PROPN
fsr-3899	318	5	,	,	PUNCT
fsr-3899	318	6	format	format	NOUN
fsr-3899	318	7	to	to	PART
fsr-3899	318	8	percent	percent	VERB
fsr-3899	318	9	with	with	ADP
fsr-3899	318	10	two	two	NUM
fsr-3899	318	11	decimals	decimal	NOUN
fsr-3899	318	12	,	,	PUNCT
fsr-3899	318	13	and	and	CCONJ
fsr-3899	318	14	then	then	ADV
fsr-3899	318	15	copy	copy	VERB
fsr-3899	318	16	down	down	ADP
fsr-3899	318	17	through	through	ADP
fsr-3899	318	18	cell	cell	NOUN
fsr-3899	318	19	j31	j31	NOUN
fsr-3899	318	20	.	.	PUNCT
fsr-3899	319	1	bring	bring	VERB
fsr-3899	319	2	up	up	ADP
fsr-3899	319	3	solver	solver	ADV
fsr-3899	319	4	with	with	ADP
fsr-3899	319	5	e56	e56	PROPN
fsr-3899	319	6	as	as	ADP
fsr-3899	319	7	the	the	DET
fsr-3899	319	8	target	target	NOUN
fsr-3899	319	9	cell	cell	NOUN
fsr-3899	319	10	,	,	PUNCT
fsr-3899	319	11	target	target	NOUN
fsr-3899	319	12	cell	cell	NOUN
fsr-3899	319	13	e56	e56	NOUN
fsr-3899	319	14	to	to	ADP
fsr-3899	319	15	zero	zero	NUM
fsr-3899	319	16	,	,	PUNCT
fsr-3899	319	17	type	type	NOUN
fsr-3899	319	18	in	in	ADP
fsr-3899	319	19	i2	i2	PROPN
fsr-3899	319	20	as	as	ADP
fsr-3899	319	21	the	the	DET
fsr-3899	319	22	variable	variable	ADJ
fsr-3899	319	23	cell	cell	NOUN
fsr-3899	319	24	,	,	PUNCT
fsr-3899	319	25	and	and	CCONJ
fsr-3899	319	26	then	then	ADV
fsr-3899	319	27	click	click	VERB
fsr-3899	319	28	on	on	ADP
fsr-3899	319	29	the	the	DET
fsr-3899	319	30	solve	solve	NOUN
fsr-3899	319	31	button	button	NOUN
fsr-3899	319	32	.	.	PUNCT
fsr-3899	320	1	reference	reference	PROPN
fsr-3899	320	2	fortin	fortin	PROPN
fsr-3899	320	3	,	,	PUNCT
fsr-3899	320	4	r.	r.	PROPN
fsr-3899	320	5	(	(	PUNCT
fsr-3899	320	6	1997	1997	NUM
fsr-3899	320	7	)	)	PUNCT
fsr-3899	320	8	.	.	PUNCT
fsr-3899	321	1	retirement	retirement	NOUN
fsr-3899	321	2	planning	plan	VERB
fsr-3899	321	3	mathematics.journal	mathematics.journal	ADJ
fsr-3899	321	4	of	of	ADP
fsr-3899	321	5	financial	financial	ADJ
fsr-3899	321	6	education	education	NOUN
fsr-3899	321	7	,	,	PUNCT
fsr-3899	321	8	23,73–80	23,73–80	PROPN
fsr-3899	321	9	.	.	PUNCT
fsr-3899	322	1	282	282	NUM
fsr-3899	322	2	r.r	r.r	PROPN
fsr-3899	322	3	.	.	PROPN
fsr-3899	322	4	crabb	crabb	PROPN
fsr-3899	322	5	/	/	SYM
fsr-3899	322	6	financial	financial	ADJ
fsr-3899	322	7	services	service	NOUN
fsr-3899	322	8	review	review	VERB
fsr-3899	322	9	8	8	NUM
fsr-3899	322	10	(	(	PUNCT
fsr-3899	322	11	1999	1999	NUM
fsr-3899	322	12	)	)	PUNCT
fsr-3899	322	13	269–282	269–282	NUM