id	sid	tid	token	lemma	pos
fsr-3902	1	1	pii	pii	PROPN
fsr-3902	1	2	:	:	PUNCT
fsr-3902	1	3	s1057	s1057	NOUN
fsr-3902	1	4	-	-	PUNCT
fsr-3902	1	5	0810(00)00048	0810(00)00048	NOUN
fsr-3902	1	6	-	-	PUNCT
fsr-3902	1	7	2	2	NUM
fsr-3902	1	8	the	the	DET
fsr-3902	1	9	internet	internet	NOUN
fsr-3902	1	10	in	in	ADP
fsr-3902	1	11	the	the	DET
fsr-3902	1	12	personal	personal	ADJ
fsr-3902	1	13	finance	finance	NOUN
fsr-3902	1	14	course	course	NOUN
fsr-3902	1	15	walt	walt	PROPN
fsr-3902	1	16	woerheide	woerheide	PROPN
fsr-3902	1	17	*	*	PROPN
fsr-3902	1	18	department	department	PROPN
fsr-3902	1	19	of	of	ADP
fsr-3902	1	20	finance	finance	NOUN
fsr-3902	1	21	,	,	PUNCT
fsr-3902	1	22	rochester	rochester	PROPN
fsr-3902	1	23	institute	institute	PROPN
fsr-3902	1	24	of	of	ADP
fsr-3902	1	25	technology	technology	PROPN
fsr-3902	1	26	,	,	PUNCT
fsr-3902	1	27	108	108	NUM
fsr-3902	1	28	lomb	lomb	NOUN
fsr-3902	1	29	memorial	memorial	ADJ
fsr-3902	1	30	drive	drive	NOUN
fsr-3902	1	31	,	,	PUNCT
fsr-3902	1	32	rochester	rochester	PROPN
fsr-3902	1	33	,	,	PUNCT
fsr-3902	1	34	ny	ny	PROPN
fsr-3902	1	35	14623	14623	NUM
fsr-3902	1	36	-	-	SYM
fsr-3902	1	37	5608	5608	NUM
fsr-3902	1	38	,	,	PUNCT
fsr-3902	1	39	usa	usa	PROPN
fsr-3902	1	40	abstract	abstract	PROPN
fsr-3902	1	41	a	a	DET
fsr-3902	1	42	revolution	revolution	NOUN
fsr-3902	1	43	is	be	AUX
fsr-3902	1	44	occurring	occur	VERB
fsr-3902	1	45	as	as	SCONJ
fsr-3902	1	46	textbook	textbook	NOUN
fsr-3902	1	47	authors	author	NOUN
fsr-3902	1	48	struggle	struggle	VERB
fsr-3902	1	49	with	with	ADP
fsr-3902	1	50	how	how	SCONJ
fsr-3902	1	51	to	to	PART
fsr-3902	1	52	effectively	effectively	ADV
fsr-3902	1	53	incorporate	incorporate	VERB
fsr-3902	1	54	the	the	DET
fsr-3902	1	55	internet	internet	NOUN
fsr-3902	1	56	into	into	ADP
fsr-3902	1	57	the	the	DET
fsr-3902	1	58	personal	personal	ADJ
fsr-3902	1	59	finance	finance	NOUN
fsr-3902	1	60	textbooks	textbook	NOUN
fsr-3902	1	61	and	and	CCONJ
fsr-3902	1	62	course	course	NOUN
fsr-3902	1	63	.	.	PUNCT
fsr-3902	2	1	this	this	DET
fsr-3902	2	2	paper	paper	NOUN
fsr-3902	2	3	considers	consider	VERB
fsr-3902	2	4	three	three	NUM
fsr-3902	2	5	questions	question	NOUN
fsr-3902	2	6	associated	associate	VERB
fsr-3902	2	7	with	with	ADP
fsr-3902	2	8	this	this	DET
fsr-3902	2	9	revolution	revolution	NOUN
fsr-3902	2	10	.	.	PUNCT
fsr-3902	3	1	what	what	PRON
fsr-3902	3	2	is	be	AUX
fsr-3902	3	3	the	the	DET
fsr-3902	3	4	current	current	ADJ
fsr-3902	3	5	degree	degree	NOUN
fsr-3902	3	6	of	of	ADP
fsr-3902	3	7	internet	internet	NOUN
fsr-3902	3	8	integration	integration	NOUN
fsr-3902	3	9	?	?	PUNCT
fsr-3902	4	1	where	where	SCONJ
fsr-3902	4	2	might	might	AUX
fsr-3902	4	3	we	we	PRON
fsr-3902	4	4	be	be	AUX
fsr-3902	4	5	headed	head	VERB
fsr-3902	4	6	with	with	ADP
fsr-3902	4	7	this	this	DET
fsr-3902	4	8	new	new	ADJ
fsr-3902	4	9	technology	technology	NOUN
fsr-3902	4	10	?	?	PUNCT
fsr-3902	5	1	will	will	AUX
fsr-3902	5	2	this	this	DET
fsr-3902	5	3	integration	integration	NOUN
fsr-3902	5	4	make	make	VERB
fsr-3902	5	5	for	for	ADP
fsr-3902	5	6	a	a	DET
fsr-3902	5	7	better	well	ADJ
fsr-3902	5	8	course	course	NOUN
fsr-3902	5	9	?	?	PUNCT
fsr-3902	6	1	the	the	DET
fsr-3902	6	2	current	current	ADJ
fsr-3902	6	3	degree	degree	NOUN
fsr-3902	6	4	of	of	ADP
fsr-3902	6	5	internet	internet	NOUN
fsr-3902	6	6	integration	integration	NOUN
fsr-3902	6	7	is	be	AUX
fsr-3902	6	8	reported	report	VERB
fsr-3902	6	9	in	in	ADP
fsr-3902	6	10	tables	table	NOUN
fsr-3902	6	11	1	1	NUM
fsr-3902	6	12	and	and	CCONJ
fsr-3902	6	13	2	2	NUM
fsr-3902	6	14	.	.	PUNCT
fsr-3902	6	15	an	an	DET
fsr-3902	6	16	argument	argument	NOUN
fsr-3902	6	17	is	be	AUX
fsr-3902	6	18	made	make	VERB
fsr-3902	6	19	that	that	SCONJ
fsr-3902	6	20	we	we	PRON
fsr-3902	6	21	may	may	AUX
fsr-3902	6	22	be	be	AUX
fsr-3902	6	23	headed	head	VERB
fsr-3902	6	24	to	to	ADP
fsr-3902	6	25	an	an	DET
fsr-3902	6	26	eventual	eventual	ADJ
fsr-3902	6	27	elimination	elimination	NOUN
fsr-3902	6	28	of	of	ADP
fsr-3902	6	29	the	the	DET
fsr-3902	6	30	textbook	textbook	NOUN
fsr-3902	6	31	,	,	PUNCT
fsr-3902	6	32	as	as	SCONJ
fsr-3902	6	33	we	we	PRON
fsr-3902	6	34	know	know	VERB
fsr-3902	6	35	it	it	PRON
fsr-3902	6	36	.	.	PUNCT
fsr-3902	7	1	there	there	PRON
fsr-3902	7	2	is	be	VERB
fsr-3902	7	3	some	some	DET
fsr-3902	7	4	preliminary	preliminary	ADJ
fsr-3902	7	5	evidence	evidence	NOUN
fsr-3902	7	6	that	that	SCONJ
fsr-3902	7	7	this	this	PRON
fsr-3902	7	8	will	will	AUX
fsr-3902	7	9	make	make	VERB
fsr-3902	7	10	for	for	ADP
fsr-3902	7	11	a	a	DET
fsr-3902	7	12	better	well	ADJ
fsr-3902	7	13	educational	educational	ADJ
fsr-3902	7	14	experience	experience	NOUN
fsr-3902	7	15	.	.	PUNCT
fsr-3902	8	1	©	©	PROPN
fsr-3902	8	2	1999	1999	NUM
fsr-3902	8	3	elsevier	elsevier	PROPN
fsr-3902	8	4	science	science	PROPN
fsr-3902	8	5	inc	inc	PROPN
fsr-3902	8	6	.	.	PUNCT
fsr-3902	9	1	all	all	DET
fsr-3902	9	2	rights	right	NOUN
fsr-3902	9	3	reserved	reserve	VERB
fsr-3902	9	4	.	.	PUNCT
fsr-3902	10	1	jel	jel	PROPN
fsr-3902	10	2	classification	classification	PROPN
fsr-3902	10	3	:	:	PUNCT
fsr-3902	10	4	i20	i20	PROPN
fsr-3902	10	5	,	,	PUNCT
fsr-3902	10	6	o30	o30	NOUN
fsr-3902	10	7	,	,	PUNCT
fsr-3902	10	8	z00	z00	NOUN
fsr-3902	10	9	keywords	keyword	NOUN
fsr-3902	10	10	:	:	PUNCT
fsr-3902	10	11	internet	internet	NOUN
fsr-3902	10	12	;	;	PUNCT
fsr-3902	10	13	pedagogy	pedagogy	NOUN
fsr-3902	10	14	;	;	PUNCT
fsr-3902	10	15	textbooks	textbook	NOUN
fsr-3902	10	16	;	;	PUNCT
fsr-3902	10	17	technology	technology	NOUN
fsr-3902	10	18	1	1	NUM
fsr-3902	10	19	.	.	PUNCT
fsr-3902	10	20	introduction	introduction	NOUN
fsr-3902	10	21	there	there	PRON
fsr-3902	10	22	is	be	VERB
fsr-3902	10	23	a	a	DET
fsr-3902	10	24	significant	significant	ADJ
fsr-3902	10	25	event	event	NOUN
fsr-3902	10	26	that	that	PRON
fsr-3902	10	27	is	be	AUX
fsr-3902	10	28	happening	happen	VERB
fsr-3902	10	29	in	in	ADP
fsr-3902	10	30	the	the	DET
fsr-3902	10	31	field	field	NOUN
fsr-3902	10	32	of	of	ADP
fsr-3902	10	33	personal	personal	ADJ
fsr-3902	10	34	finance	finance	NOUN
fsr-3902	10	35	,	,	PUNCT
fsr-3902	10	36	and	and	CCONJ
fsr-3902	10	37	no	no	DET
fsr-3902	10	38	one	one	NOUN
fsr-3902	10	39	seems	seem	VERB
fsr-3902	10	40	to	to	PART
fsr-3902	10	41	be	be	AUX
fsr-3902	10	42	making	make	VERB
fsr-3902	10	43	an	an	DET
fsr-3902	10	44	effort	effort	NOUN
fsr-3902	10	45	to	to	PART
fsr-3902	10	46	assess	assess	VERB
fsr-3902	10	47	that	that	DET
fsr-3902	10	48	event	event	NOUN
fsr-3902	10	49	and	and	CCONJ
fsr-3902	10	50	to	to	PART
fsr-3902	10	51	explore	explore	VERB
fsr-3902	10	52	the	the	DET
fsr-3902	10	53	implications	implication	NOUN
fsr-3902	10	54	of	of	ADP
fsr-3902	10	55	that	that	DET
fsr-3902	10	56	event	event	NOUN
fsr-3902	10	57	.	.	PUNCT
fsr-3902	11	1	this	this	DET
fsr-3902	11	2	event	event	NOUN
fsr-3902	11	3	is	be	AUX
fsr-3902	11	4	the	the	DET
fsr-3902	11	5	incorporation	incorporation	NOUN
fsr-3902	11	6	of	of	ADP
fsr-3902	11	7	the	the	DET
fsr-3902	11	8	internet	internet	NOUN
fsr-3902	11	9	into	into	ADP
fsr-3902	11	10	the	the	DET
fsr-3902	11	11	personal	personal	ADJ
fsr-3902	11	12	finance	finance	NOUN
fsr-3902	11	13	course	course	NOUN
fsr-3902	11	14	.	.	PUNCT
fsr-3902	12	1	in	in	ADP
fsr-3902	12	2	just	just	ADV
fsr-3902	12	3	a	a	DET
fsr-3902	12	4	period	period	NOUN
fsr-3902	12	5	of	of	ADP
fsr-3902	12	6	a	a	DET
fsr-3902	12	7	few	few	ADJ
fsr-3902	12	8	years	year	NOUN
fsr-3902	12	9	,	,	PUNCT
fsr-3902	12	10	the	the	DET
fsr-3902	12	11	textbooks	textbook	NOUN
fsr-3902	12	12	in	in	ADP
fsr-3902	12	13	this	this	DET
fsr-3902	12	14	field	field	NOUN
fsr-3902	12	15	have	have	AUX
fsr-3902	12	16	gone	go	VERB
fsr-3902	12	17	from	from	ADP
fsr-3902	12	18	not	not	PART
fsr-3902	12	19	even	even	ADV
fsr-3902	12	20	mentioning	mention	VERB
fsr-3902	12	21	the	the	DET
fsr-3902	12	22	internet	internet	NOUN
fsr-3902	12	23	,	,	PUNCT
fsr-3902	12	24	to	to	ADP
fsr-3902	12	25	various	various	ADJ
fsr-3902	12	26	degrees	degree	NOUN
fsr-3902	12	27	of	of	ADP
fsr-3902	12	28	actively	actively	ADV
fsr-3902	12	29	incorporating	incorporate	VERB
fsr-3902	12	30	the	the	DET
fsr-3902	12	31	internet	internet	NOUN
fsr-3902	12	32	.	.	PUNCT
fsr-3902	13	1	this	this	PRON
fsr-3902	13	2	raises	raise	VERB
fsr-3902	13	3	some	some	DET
fsr-3902	13	4	interesting	interesting	ADJ
fsr-3902	13	5	questions	question	NOUN
fsr-3902	13	6	.	.	PUNCT
fsr-3902	14	1	what	what	PRON
fsr-3902	14	2	is	be	AUX
fsr-3902	14	3	the	the	DET
fsr-3902	14	4	current	current	ADJ
fsr-3902	14	5	degree	degree	NOUN
fsr-3902	14	6	of	of	ADP
fsr-3902	14	7	internet	internet	NOUN
fsr-3902	14	8	integration	integration	NOUN
fsr-3902	14	9	?	?	PUNCT
fsr-3902	15	1	where	where	SCONJ
fsr-3902	15	2	might	might	AUX
fsr-3902	15	3	we	we	PRON
fsr-3902	15	4	be	be	AUX
fsr-3902	15	5	headed	head	VERB
fsr-3902	15	6	*	*	PUNCT
fsr-3902	15	7	tel	tel	PROPN
fsr-3902	15	8	.	.	PUNCT
fsr-3902	15	9	:	:	PUNCT
fsr-3902	16	1	11	11	NUM
fsr-3902	16	2	-	-	SYM
fsr-3902	16	3	716	716	NUM
fsr-3902	16	4	-	-	SYM
fsr-3902	16	5	475	475	NUM
fsr-3902	16	6	-	-	NUM
fsr-3902	16	7	5268	5268	NUM
fsr-3902	16	8	;	;	PUNCT
fsr-3902	16	9	fax:11	fax:11	NOUN
fsr-3902	16	10	-	-	PUNCT
fsr-3902	16	11	716	716	NUM
fsr-3902	16	12	-	-	SYM
fsr-3902	16	13	475	475	NUM
fsr-3902	16	14	-	-	PUNCT
fsr-3902	16	15	6920	6920	NUM
fsr-3902	16	16	.	.	PUNCT
fsr-3902	17	1	e	e	X
fsr-3902	17	2	-	-	NOUN
fsr-3902	17	3	mail	mail	NOUN
fsr-3902	17	4	address:wjwbbu@rit.edu	address:wjwbbu@rit.edu	PROPN
fsr-3902	17	5	(	(	PUNCT
fsr-3902	17	6	w.	w.	PROPN
fsr-3902	17	7	woerheide	woerheide	PROPN
fsr-3902	17	8	)	)	PUNCT
fsr-3902	17	9	.	.	PUNCT
fsr-3902	18	1	financial	financial	ADJ
fsr-3902	18	2	services	service	NOUN
fsr-3902	18	3	review	review	VERB
fsr-3902	18	4	8	8	NUM
fsr-3902	18	5	(	(	PUNCT
fsr-3902	18	6	1999	1999	NUM
fsr-3902	18	7	)	)	PUNCT
fsr-3902	19	1	305–317	305–317	NUM
fsr-3902	19	2	1057	1057	NUM
fsr-3902	19	3	-	-	SYM
fsr-3902	19	4	0810/99/$	0810/99/$	NUM
fsr-3902	19	5	–	–	PUNCT
fsr-3902	19	6	see	see	VERB
fsr-3902	19	7	front	front	ADJ
fsr-3902	19	8	matter	matter	NOUN
fsr-3902	19	9	©	©	PROPN
fsr-3902	19	10	1999	1999	NUM
fsr-3902	19	11	elsevier	elsevier	PROPN
fsr-3902	19	12	science	science	PROPN
fsr-3902	19	13	inc	inc	PROPN
fsr-3902	19	14	.	.	PUNCT
fsr-3902	20	1	all	all	DET
fsr-3902	20	2	rights	right	NOUN
fsr-3902	20	3	reserved	reserve	VERB
fsr-3902	20	4	.	.	PUNCT
fsr-3902	21	1	pii	pii	NOUN
fsr-3902	21	2	:	:	PUNCT
fsr-3902	21	3	s1057	s1057	NOUN
fsr-3902	21	4	-	-	PUNCT
fsr-3902	21	5	0810(00)00048	0810(00)00048	NOUN
fsr-3902	21	6	-	-	PUNCT
fsr-3902	21	7	2	2	NUM
fsr-3902	21	8	with	with	ADP
fsr-3902	21	9	this	this	DET
fsr-3902	21	10	new	new	ADJ
fsr-3902	21	11	technology	technology	NOUN
fsr-3902	21	12	?	?	PUNCT
fsr-3902	22	1	will	will	AUX
fsr-3902	22	2	this	this	DET
fsr-3902	22	3	integration	integration	NOUN
fsr-3902	22	4	make	make	VERB
fsr-3902	22	5	for	for	ADP
fsr-3902	22	6	a	a	DET
fsr-3902	22	7	better	well	ADJ
fsr-3902	22	8	course	course	NOUN
fsr-3902	22	9	in	in	ADP
fsr-3902	22	10	terms	term	NOUN
fsr-3902	22	11	of	of	ADP
fsr-3902	22	12	student	student	NOUN
fsr-3902	22	13	comprehension	comprehension	NOUN
fsr-3902	22	14	and	and	CCONJ
fsr-3902	22	15	skill	skill	NOUN
fsr-3902	22	16	acquisition	acquisition	NOUN
fsr-3902	22	17	?	?	PUNCT
fsr-3902	23	1	these	these	DET
fsr-3902	23	2	questions	question	NOUN
fsr-3902	23	3	should	should	AUX
fsr-3902	23	4	be	be	AUX
fsr-3902	23	5	of	of	ADP
fsr-3902	23	6	great	great	ADJ
fsr-3902	23	7	interest	interest	NOUN
fsr-3902	23	8	to	to	PART
fsr-3902	23	9	faculty	faculty	VERB
fsr-3902	23	10	who	who	PRON
fsr-3902	23	11	teach	teach	VERB
fsr-3902	23	12	in	in	ADP
fsr-3902	23	13	the	the	DET
fsr-3902	23	14	area	area	NOUN
fsr-3902	23	15	of	of	ADP
fsr-3902	23	16	personal	personal	ADJ
fsr-3902	23	17	finance	finance	NOUN
fsr-3902	23	18	.	.	PUNCT
fsr-3902	24	1	they	they	PRON
fsr-3902	24	2	should	should	AUX
fsr-3902	24	3	also	also	ADV
fsr-3902	24	4	be	be	AUX
fsr-3902	24	5	of	of	ADP
fsr-3902	24	6	interest	interest	NOUN
fsr-3902	24	7	to	to	ADP
fsr-3902	24	8	practitioners	practitioner	NOUN
fsr-3902	24	9	in	in	ADP
fsr-3902	24	10	the	the	DET
fsr-3902	24	11	personal	personal	ADJ
fsr-3902	24	12	finance	finance	NOUN
fsr-3902	24	13	area	area	NOUN
fsr-3902	24	14	.	.	PUNCT
fsr-3902	25	1	one	one	NUM
fsr-3902	25	2	question	question	NOUN
fsr-3902	25	3	facing	face	VERB
fsr-3902	25	4	all	all	DET
fsr-3902	25	5	faculty	faculty	NOUN
fsr-3902	25	6	as	as	SCONJ
fsr-3902	25	7	technology	technology	NOUN
fsr-3902	25	8	alternatives	alternative	NOUN
fsr-3902	25	9	continue	continue	VERB
fsr-3902	25	10	to	to	PART
fsr-3902	25	11	appear	appear	VERB
fsr-3902	25	12	is	be	AUX
fsr-3902	25	13	which	which	DET
fsr-3902	25	14	ones	one	NOUN
fsr-3902	25	15	are	be	AUX
fsr-3902	25	16	of	of	ADP
fsr-3902	25	17	passing	pass	VERB
fsr-3902	25	18	interest	interest	NOUN
fsr-3902	25	19	and	and	CCONJ
fsr-3902	25	20	which	which	DET
fsr-3902	25	21	ones	one	NOUN
fsr-3902	25	22	will	will	AUX
fsr-3902	25	23	grow	grow	VERB
fsr-3902	25	24	in	in	ADP
fsr-3902	25	25	significance	significance	NOUN
fsr-3902	25	26	.	.	PUNCT
fsr-3902	26	1	faculty	faculty	NOUN
fsr-3902	26	2	who	who	PRON
fsr-3902	26	3	want	want	VERB
fsr-3902	26	4	to	to	PART
fsr-3902	26	5	avoid	avoid	VERB
fsr-3902	26	6	having	have	VERB
fsr-3902	26	7	their	their	PRON
fsr-3902	26	8	courses	course	NOUN
fsr-3902	26	9	,	,	PUNCT
fsr-3902	26	10	their	their	PRON
fsr-3902	26	11	teaching	teaching	NOUN
fsr-3902	26	12	,	,	PUNCT
fsr-3902	26	13	and	and	CCONJ
fsr-3902	26	14	their	their	PRON
fsr-3902	26	15	research	research	NOUN
fsr-3902	26	16	skills	skill	NOUN
fsr-3902	26	17	become	become	VERB
fsr-3902	26	18	outdated	outdated	ADJ
fsr-3902	26	19	have	have	VERB
fsr-3902	26	20	to	to	PART
fsr-3902	26	21	decide	decide	VERB
fsr-3902	26	22	in	in	ADP
fsr-3902	26	23	which	which	PRON
fsr-3902	26	24	technologies	technology	NOUN
fsr-3902	26	25	to	to	PART
fsr-3902	26	26	invest	invest	VERB
fsr-3902	26	27	their	their	PRON
fsr-3902	26	28	time	time	NOUN
fsr-3902	26	29	and	and	CCONJ
fsr-3902	26	30	efforts	effort	NOUN
fsr-3902	26	31	.	.	PUNCT
fsr-3902	27	1	this	this	DET
fsr-3902	27	2	paper	paper	NOUN
fsr-3902	27	3	should	should	AUX
fsr-3902	27	4	help	help	VERB
fsr-3902	27	5	anyone	anyone	PRON
fsr-3902	27	6	who	who	PRON
fsr-3902	27	7	is	be	AUX
fsr-3902	27	8	undecided	undecided	ADJ
fsr-3902	27	9	about	about	ADP
fsr-3902	27	10	the	the	DET
fsr-3902	27	11	role	role	NOUN
fsr-3902	27	12	of	of	ADP
fsr-3902	27	13	the	the	DET
fsr-3902	27	14	internet	internet	NOUN
fsr-3902	27	15	as	as	ADP
fsr-3902	27	16	to	to	ADP
fsr-3902	27	17	whether	whether	SCONJ
fsr-3902	27	18	learning	learn	VERB
fsr-3902	27	19	more	more	ADJ
fsr-3902	27	20	about	about	ADP
fsr-3902	27	21	the	the	DET
fsr-3902	27	22	internet	internet	NOUN
fsr-3902	27	23	is	be	AUX
fsr-3902	27	24	a	a	DET
fsr-3902	27	25	worthwhile	worthwhile	ADJ
fsr-3902	27	26	professional	professional	ADJ
fsr-3902	27	27	commitment	commitment	NOUN
fsr-3902	27	28	.	.	PUNCT
fsr-3902	28	1	practitioners	practitioner	NOUN
fsr-3902	28	2	should	should	AUX
fsr-3902	28	3	also	also	ADV
fsr-3902	28	4	be	be	AUX
fsr-3902	28	5	interested	interested	ADJ
fsr-3902	28	6	in	in	ADP
fsr-3902	28	7	these	these	DET
fsr-3902	28	8	questions	question	NOUN
fsr-3902	28	9	as	as	SCONJ
fsr-3902	28	10	the	the	DET
fsr-3902	28	11	answers	answer	NOUN
fsr-3902	28	12	may	may	AUX
fsr-3902	28	13	impact	impact	VERB
fsr-3902	28	14	how	how	SCONJ
fsr-3902	28	15	they	they	PRON
fsr-3902	28	16	relate	relate	VERB
fsr-3902	28	17	to	to	ADP
fsr-3902	28	18	future	future	ADJ
fsr-3902	28	19	customers	customer	NOUN
fsr-3902	28	20	and	and	CCONJ
fsr-3902	28	21	the	the	DET
fsr-3902	28	22	types	type	NOUN
fsr-3902	28	23	of	of	ADP
fsr-3902	28	24	skills	skill	NOUN
fsr-3902	28	25	that	that	SCONJ
fsr-3902	28	26	future	future	ADJ
fsr-3902	28	27	employees	employee	NOUN
fsr-3902	28	28	will	will	AUX
fsr-3902	28	29	bring	bring	VERB
fsr-3902	28	30	to	to	ADP
fsr-3902	28	31	the	the	DET
fsr-3902	28	32	job	job	NOUN
fsr-3902	28	33	.	.	PUNCT
fsr-3902	29	1	the	the	DET
fsr-3902	29	2	basic	basic	ADJ
fsr-3902	29	3	premise	premise	NOUN
fsr-3902	29	4	of	of	ADP
fsr-3902	29	5	this	this	DET
fsr-3902	29	6	paper	paper	NOUN
fsr-3902	29	7	is	be	AUX
fsr-3902	29	8	that	that	SCONJ
fsr-3902	29	9	the	the	DET
fsr-3902	29	10	internet	internet	NOUN
fsr-3902	29	11	is	be	AUX
fsr-3902	29	12	a	a	DET
fsr-3902	29	13	significant	significant	ADJ
fsr-3902	29	14	incorporation	incorporation	NOUN
fsr-3902	29	15	of	of	ADP
fsr-3902	29	16	technology	technology	NOUN
fsr-3902	29	17	into	into	ADP
fsr-3902	29	18	the	the	DET
fsr-3902	29	19	personal	personal	ADJ
fsr-3902	29	20	finance	finance	NOUN
fsr-3902	29	21	course	course	NOUN
fsr-3902	29	22	.	.	PUNCT
fsr-3902	30	1	the	the	DET
fsr-3902	30	2	first	first	ADJ
fsr-3902	30	3	section	section	NOUN
fsr-3902	30	4	of	of	ADP
fsr-3902	30	5	this	this	DET
fsr-3902	30	6	paper	paper	NOUN
fsr-3902	30	7	provides	provide	VERB
fsr-3902	30	8	some	some	DET
fsr-3902	30	9	informal	informal	ADJ
fsr-3902	30	10	history	history	NOUN
fsr-3902	30	11	of	of	ADP
fsr-3902	30	12	the	the	DET
fsr-3902	30	13	growth	growth	NOUN
fsr-3902	30	14	of	of	ADP
fsr-3902	30	15	technological	technological	ADJ
fsr-3902	30	16	integration	integration	NOUN
fsr-3902	30	17	into	into	ADP
fsr-3902	30	18	finance	finance	NOUN
fsr-3902	30	19	courses	course	NOUN
fsr-3902	30	20	.	.	PUNCT
fsr-3902	31	1	next	next	ADV
fsr-3902	31	2	,	,	PUNCT
fsr-3902	31	3	a	a	DET
fsr-3902	31	4	proposal	proposal	NOUN
fsr-3902	31	5	as	as	ADP
fsr-3902	31	6	to	to	ADP
fsr-3902	31	7	the	the	DET
fsr-3902	31	8	ideal	ideal	ADJ
fsr-3902	31	9	integration	integration	NOUN
fsr-3902	31	10	of	of	ADP
fsr-3902	31	11	the	the	DET
fsr-3902	31	12	internet	internet	NOUN
fsr-3902	31	13	into	into	ADP
fsr-3902	31	14	the	the	DET
fsr-3902	31	15	personal	personal	ADJ
fsr-3902	31	16	finance	finance	NOUN
fsr-3902	31	17	course	course	NOUN
fsr-3902	31	18	will	will	AUX
fsr-3902	31	19	be	be	AUX
fsr-3902	31	20	presented	present	VERB
fsr-3902	31	21	.	.	PUNCT
fsr-3902	32	1	we	we	PRON
fsr-3902	32	2	will	will	AUX
fsr-3902	32	3	then	then	ADV
fsr-3902	32	4	consider	consider	VERB
fsr-3902	32	5	why	why	SCONJ
fsr-3902	32	6	that	that	DET
fsr-3902	32	7	ideal	ideal	NOUN
fsr-3902	32	8	is	be	AUX
fsr-3902	32	9	not	not	PART
fsr-3902	32	10	currently	currently	ADV
fsr-3902	32	11	being	be	AUX
fsr-3902	32	12	achieved	achieve	VERB
fsr-3902	32	13	.	.	PUNCT
fsr-3902	33	1	we	we	PRON
fsr-3902	33	2	next	next	ADV
fsr-3902	33	3	turn	turn	VERB
fsr-3902	33	4	to	to	ADP
fsr-3902	33	5	an	an	DET
fsr-3902	33	6	empirical	empirical	ADJ
fsr-3902	33	7	examination	examination	NOUN
fsr-3902	33	8	of	of	ADP
fsr-3902	33	9	how	how	SCONJ
fsr-3902	33	10	the	the	DET
fsr-3902	33	11	internet	internet	NOUN
fsr-3902	33	12	is	be	AUX
fsr-3902	33	13	currently	currently	ADV
fsr-3902	33	14	being	be	AUX
fsr-3902	33	15	incorporated	incorporate	VERB
fsr-3902	33	16	into	into	ADP
fsr-3902	33	17	our	our	PRON
fsr-3902	33	18	textbooks	textbook	NOUN
fsr-3902	33	19	in	in	ADP
fsr-3902	33	20	this	this	DET
fsr-3902	33	21	field	field	NOUN
fsr-3902	33	22	.	.	PUNCT
fsr-3902	34	1	the	the	DET
fsr-3902	34	2	last	last	ADJ
fsr-3902	34	3	section	section	NOUN
fsr-3902	34	4	will	will	AUX
fsr-3902	34	5	consider	consider	VERB
fsr-3902	34	6	whether	whether	SCONJ
fsr-3902	34	7	there	there	PRON
fsr-3902	34	8	are	be	VERB
fsr-3902	34	9	any	any	DET
fsr-3902	34	10	substantive	substantive	ADJ
fsr-3902	34	11	benefits	benefit	NOUN
fsr-3902	34	12	to	to	ADP
fsr-3902	34	13	the	the	DET
fsr-3902	34	14	students	student	NOUN
fsr-3902	34	15	from	from	ADP
fsr-3902	34	16	this	this	DET
fsr-3902	34	17	integration	integration	NOUN
fsr-3902	34	18	.	.	PUNCT
fsr-3902	35	1	2	2	X
fsr-3902	35	2	.	.	X
fsr-3902	35	3	a	a	DET
fsr-3902	35	4	review	review	NOUN
fsr-3902	35	5	of	of	ADP
fsr-3902	35	6	the	the	DET
fsr-3902	35	7	technological	technological	ADJ
fsr-3902	35	8	integration	integration	NOUN
fsr-3902	35	9	in	in	ADP
fsr-3902	35	10	the	the	DET
fsr-3902	35	11	1960s	1960	NOUN
fsr-3902	35	12	there	there	PRON
fsr-3902	35	13	was	be	VERB
fsr-3902	35	14	little	little	ADJ
fsr-3902	35	15	if	if	SCONJ
fsr-3902	35	16	any	any	DET
fsr-3902	35	17	technological	technological	ADJ
fsr-3902	35	18	integration	integration	NOUN
fsr-3902	35	19	into	into	ADP
fsr-3902	35	20	finance	finance	NOUN
fsr-3902	35	21	textbooks	textbook	NOUN
fsr-3902	35	22	.	.	PUNCT
fsr-3902	36	1	the	the	DET
fsr-3902	36	2	high	high	ADJ
fsr-3902	36	3	-	-	PUNCT
fsr-3902	36	4	tech	tech	NOUN
fsr-3902	36	5	method	method	NOUN
fsr-3902	36	6	of	of	ADP
fsr-3902	36	7	problem	problem	NOUN
fsr-3902	36	8	solving	solve	VERB
fsr-3902	36	9	was	be	AUX
fsr-3902	36	10	the	the	DET
fsr-3902	36	11	slide	slide	NOUN
fsr-3902	36	12	rule	rule	NOUN
fsr-3902	36	13	.	.	PUNCT
fsr-3902	37	1	as	as	SCONJ
fsr-3902	37	2	calculators	calculator	NOUN
fsr-3902	37	3	came	come	VERB
fsr-3902	37	4	into	into	ADP
fsr-3902	37	5	popular	popular	ADJ
fsr-3902	37	6	usage	usage	NOUN
fsr-3902	37	7	,	,	PUNCT
fsr-3902	37	8	some	some	DET
fsr-3902	37	9	textbooks	textbook	NOUN
fsr-3902	37	10	integrated	integrate	VERB
fsr-3902	37	11	this	this	DET
fsr-3902	37	12	technology	technology	NOUN
fsr-3902	37	13	by	by	ADP
fsr-3902	37	14	providing	provide	VERB
fsr-3902	37	15	instructions	instruction	NOUN
fsr-3902	37	16	on	on	ADP
fsr-3902	37	17	what	what	PRON
fsr-3902	37	18	data	datum	NOUN
fsr-3902	37	19	to	to	PART
fsr-3902	37	20	enter	enter	VERB
fsr-3902	37	21	and	and	CCONJ
fsr-3902	37	22	which	which	PRON
fsr-3902	37	23	keys	key	VERB
fsr-3902	37	24	to	to	PART
fsr-3902	37	25	punch	punch	VERB
fsr-3902	37	26	to	to	PART
fsr-3902	37	27	solve	solve	VERB
fsr-3902	37	28	particular	particular	ADJ
fsr-3902	37	29	problems	problem	NOUN
fsr-3902	37	30	.	.	PUNCT
fsr-3902	38	1	for	for	ADP
fsr-3902	38	2	some	some	DET
fsr-3902	38	3	textbooks	textbook	NOUN
fsr-3902	38	4	today	today	NOUN
fsr-3902	38	5	,	,	PUNCT
fsr-3902	38	6	this	this	PRON
fsr-3902	38	7	is	be	AUX
fsr-3902	38	8	still	still	ADV
fsr-3902	38	9	the	the	DET
fsr-3902	38	10	extent	extent	NOUN
fsr-3902	38	11	of	of	ADP
fsr-3902	38	12	the	the	DET
fsr-3902	38	13	incorporation	incorporation	NOUN
fsr-3902	38	14	of	of	ADP
fsr-3902	38	15	technology	technology	NOUN
fsr-3902	38	16	.	.	PUNCT
fsr-3902	39	1	the	the	DET
fsr-3902	39	2	next	next	ADJ
fsr-3902	39	3	technological	technological	ADJ
fsr-3902	39	4	development	development	NOUN
fsr-3902	39	5	was	be	AUX
fsr-3902	39	6	to	to	PART
fsr-3902	39	7	provide	provide	VERB
fsr-3902	39	8	problem	problem	NOUN
fsr-3902	39	9	-	-	PUNCT
fsr-3902	39	10	solving	solve	VERB
fsr-3902	39	11	disks	disk	NOUN
fsr-3902	39	12	in	in	ADP
fsr-3902	39	13	conjunction	conjunction	NOUN
fsr-3902	39	14	with	with	ADP
fsr-3902	39	15	a	a	DET
fsr-3902	39	16	text	text	NOUN
fsr-3902	39	17	.	.	PUNCT
fsr-3902	40	1	some	some	DET
fsr-3902	40	2	disks	disk	NOUN
fsr-3902	40	3	had	have	VERB
fsr-3902	40	4	proprietary	proprietary	ADJ
fsr-3902	40	5	software	software	NOUN
fsr-3902	40	6	,	,	PUNCT
fsr-3902	40	7	and	and	CCONJ
fsr-3902	40	8	some	some	PRON
fsr-3902	40	9	worked	work	VERB
fsr-3902	40	10	off	off	ADP
fsr-3902	40	11	an	an	DET
fsr-3902	40	12	existing	exist	VERB
fsr-3902	40	13	spreadsheet	spreadsheet	NOUN
fsr-3902	40	14	application	application	NOUN
fsr-3902	40	15	such	such	ADJ
fsr-3902	40	16	as	as	ADP
fsr-3902	40	17	lotus	lotus	PROPN
fsr-3902	40	18	1	1	NUM
fsr-3902	40	19	-	-	SYM
fsr-3902	40	20	2	2	NUM
fsr-3902	40	21	-	-	SYM
fsr-3902	40	22	3	3	NUM
fsr-3902	40	23	.	.	PUNCT
fsr-3902	41	1	for	for	ADP
fsr-3902	41	2	some	some	DET
fsr-3902	41	3	textbooks	textbook	NOUN
fsr-3902	41	4	today	today	NOUN
fsr-3902	41	5	,	,	PUNCT
fsr-3902	41	6	this	this	PRON
fsr-3902	41	7	is	be	AUX
fsr-3902	41	8	still	still	ADV
fsr-3902	41	9	the	the	DET
fsr-3902	41	10	extent	extent	NOUN
fsr-3902	41	11	of	of	ADP
fsr-3902	41	12	the	the	DET
fsr-3902	41	13	incorporation	incorporation	NOUN
fsr-3902	41	14	of	of	ADP
fsr-3902	41	15	technology	technology	NOUN
fsr-3902	41	16	.	.	PUNCT
fsr-3902	42	1	in	in	ADP
fsr-3902	42	2	the	the	DET
fsr-3902	42	3	late	late	ADJ
fsr-3902	42	4	1980s	1980	NOUN
fsr-3902	42	5	,	,	PUNCT
fsr-3902	42	6	email	email	NOUN
fsr-3902	42	7	began	begin	VERB
fsr-3902	42	8	to	to	PART
fsr-3902	42	9	grow	grow	VERB
fsr-3902	42	10	in	in	ADP
fsr-3902	42	11	popularity	popularity	NOUN
fsr-3902	42	12	and	and	CCONJ
fsr-3902	42	13	usage	usage	NOUN
fsr-3902	42	14	.	.	PUNCT
fsr-3902	43	1	although	although	SCONJ
fsr-3902	43	2	email	email	NOUN
fsr-3902	43	3	was	be	AUX
fsr-3902	43	4	not	not	PART
fsr-3902	43	5	incorporated	incorporate	VERB
fsr-3902	43	6	into	into	ADP
fsr-3902	43	7	textbooks	textbook	NOUN
fsr-3902	43	8	,	,	PUNCT
fsr-3902	43	9	it	it	PRON
fsr-3902	43	10	became	become	VERB
fsr-3902	43	11	one	one	NUM
fsr-3902	43	12	of	of	ADP
fsr-3902	43	13	the	the	DET
fsr-3902	43	14	primary	primary	ADJ
fsr-3902	43	15	methods	method	NOUN
fsr-3902	43	16	of	of	ADP
fsr-3902	43	17	communication	communication	NOUN
fsr-3902	43	18	among	among	ADP
fsr-3902	43	19	faculty	faculty	NOUN
fsr-3902	43	20	.	.	PUNCT
fsr-3902	44	1	in	in	ADP
fsr-3902	44	2	the	the	DET
fsr-3902	44	3	late	late	ADJ
fsr-3902	44	4	’	'	PUNCT
fsr-3902	44	5	80	80	NUM
fsr-3902	44	6	’s	’s	NOUN
fsr-3902	44	7	,	,	PUNCT
fsr-3902	44	8	many	many	ADJ
fsr-3902	44	9	professors	professor	NOUN
fsr-3902	44	10	were	be	AUX
fsr-3902	44	11	proclaiming	proclaim	VERB
fsr-3902	44	12	that	that	SCONJ
fsr-3902	44	13	1	1	X
fsr-3902	44	14	)	)	PUNCT
fsr-3902	44	15	they	they	PRON
fsr-3902	44	16	were	be	AUX
fsr-3902	44	17	n’t	not	PART
fsr-3902	44	18	computer	computer	NOUN
fsr-3902	44	19	oriented	orient	VERB
fsr-3902	44	20	enough	enough	ADV
fsr-3902	44	21	to	to	PART
fsr-3902	44	22	learn	learn	VERB
fsr-3902	44	23	it	it	PRON
fsr-3902	44	24	,	,	PUNCT
fsr-3902	44	25	2	2	X
fsr-3902	44	26	)	)	PUNCT
fsr-3902	44	27	their	their	PRON
fsr-3902	44	28	institutions	institution	NOUN
fsr-3902	44	29	were	be	AUX
fsr-3902	44	30	unable	unable	ADJ
fsr-3902	44	31	to	to	PART
fsr-3902	44	32	provide	provide	VERB
fsr-3902	44	33	it	it	PRON
fsr-3902	44	34	,	,	PUNCT
fsr-3902	44	35	and/or	and/or	CCONJ
fsr-3902	44	36	3	3	X
fsr-3902	44	37	)	)	PUNCT
fsr-3902	44	38	there	there	PRON
fsr-3902	44	39	would	would	AUX
fsr-3902	44	40	not	not	PART
fsr-3902	44	41	be	be	AUX
fsr-3902	44	42	enough	enough	ADJ
fsr-3902	44	43	email	email	NOUN
fsr-3902	44	44	being	be	AUX
fsr-3902	44	45	sent	send	VERB
fsr-3902	44	46	to	to	PART
fsr-3902	44	47	justify	justify	VERB
fsr-3902	44	48	a	a	DET
fsr-3902	44	49	commitment	commitment	NOUN
fsr-3902	44	50	to	to	PART
fsr-3902	44	51	learn	learn	VERB
fsr-3902	44	52	to	to	PART
fsr-3902	44	53	use	use	VERB
fsr-3902	44	54	it	it	PRON
fsr-3902	44	55	.	.	PUNCT
fsr-3902	45	1	by	by	ADP
fsr-3902	45	2	the	the	DET
fsr-3902	45	3	mid	mid	ADJ
fsr-3902	45	4	’	’	PROPN
fsr-3902	45	5	90	90	NUM
fsr-3902	45	6	’s	’s	NOUN
fsr-3902	45	7	,	,	PUNCT
fsr-3902	45	8	a	a	DET
fsr-3902	45	9	revolution	revolution	NOUN
fsr-3902	45	10	had	have	AUX
fsr-3902	45	11	occurred	occur	VERB
fsr-3902	45	12	in	in	ADP
fsr-3902	45	13	that	that	PRON
fsr-3902	45	14	so	so	ADV
fsr-3902	45	15	many	many	ADJ
fsr-3902	45	16	faculty	faculty	NOUN
fsr-3902	45	17	had	have	VERB
fsr-3902	45	18	email	email	NOUN
fsr-3902	45	19	accounts	account	NOUN
fsr-3902	45	20	and	and	CCONJ
fsr-3902	45	21	communicated	communicate	VERB
fsr-3902	45	22	with	with	ADP
fsr-3902	45	23	email	email	NOUN
fsr-3902	45	24	that	that	SCONJ
fsr-3902	45	25	the	the	DET
fsr-3902	45	26	professional	professional	ADJ
fsr-3902	45	27	associations	association	NOUN
fsr-3902	45	28	such	such	ADJ
fsr-3902	45	29	as	as	ADP
fsr-3902	45	30	the	the	DET
fsr-3902	45	31	fma	fma	NOUN
fsr-3902	45	32	and	and	CCONJ
fsr-3902	45	33	afs	afs	NOUN
fsr-3902	45	34	found	find	VERB
fsr-3902	45	35	it	it	PRON
fsr-3902	45	36	worthwhile	worthwhile	ADJ
fsr-3902	45	37	to	to	PART
fsr-3902	45	38	include	include	VERB
fsr-3902	45	39	email	email	NOUN
fsr-3902	45	40	addresses	address	NOUN
fsr-3902	45	41	in	in	ADP
fsr-3902	45	42	their	their	PRON
fsr-3902	45	43	membership	membership	NOUN
fsr-3902	45	44	books	book	NOUN
fsr-3902	45	45	along	along	ADP
fsr-3902	45	46	with	with	ADP
fsr-3902	45	47	all	all	DET
fsr-3902	45	48	the	the	DET
fsr-3902	45	49	other	other	ADJ
fsr-3902	45	50	contact	contact	NOUN
fsr-3902	45	51	information	information	NOUN
fsr-3902	45	52	.	.	PUNCT
fsr-3902	46	1	as	as	SCONJ
fsr-3902	46	2	we	we	PRON
fsr-3902	46	3	approach	approach	VERB
fsr-3902	46	4	the	the	DET
fsr-3902	46	5	end	end	NOUN
fsr-3902	46	6	of	of	ADP
fsr-3902	46	7	the	the	DET
fsr-3902	46	8	decade	decade	NOUN
fsr-3902	46	9	,	,	PUNCT
fsr-3902	46	10	some	some	PRON
fsr-3902	46	11	of	of	ADP
fsr-3902	46	12	these	these	DET
fsr-3902	46	13	associations	association	NOUN
fsr-3902	46	14	are	be	AUX
fsr-3902	46	15	beginning	begin	VERB
fsr-3902	46	16	to	to	PART
fsr-3902	46	17	make	make	VERB
fsr-3902	46	18	email	email	NOUN
fsr-3902	46	19	the	the	DET
fsr-3902	46	20	primary	primary	ADJ
fsr-3902	46	21	form	form	NOUN
fsr-3902	46	22	of	of	ADP
fsr-3902	46	23	communication	communication	NOUN
fsr-3902	46	24	with	with	ADP
fsr-3902	46	25	their	their	PRON
fsr-3902	46	26	memberships	membership	NOUN
fsr-3902	46	27	.	.	PUNCT
fsr-3902	47	1	the	the	DET
fsr-3902	47	2	point	point	NOUN
fsr-3902	47	3	here	here	ADV
fsr-3902	47	4	is	be	AUX
fsr-3902	47	5	that	that	SCONJ
fsr-3902	47	6	within	within	ADP
fsr-3902	47	7	a	a	DET
fsr-3902	47	8	short	short	ADJ
fsr-3902	47	9	period	period	NOUN
fsr-3902	47	10	of	of	ADP
fsr-3902	47	11	time	time	NOUN
fsr-3902	47	12	,	,	PUNCT
fsr-3902	47	13	faculty	faculty	NOUN
fsr-3902	47	14	have	have	AUX
fsr-3902	47	15	gone	go	VERB
fsr-3902	47	16	from	from	ADP
fsr-3902	47	17	where	where	SCONJ
fsr-3902	47	18	only	only	ADV
fsr-3902	47	19	a	a	DET
fsr-3902	47	20	few	few	ADJ
fsr-3902	47	21	used	use	VERB
fsr-3902	47	22	306	306	NUM
fsr-3902	47	23	w.	w.	NOUN
fsr-3902	47	24	woerheide	woerheide	PROPN
fsr-3902	47	25	/	/	SYM
fsr-3902	47	26	financial	financial	ADJ
fsr-3902	47	27	services	service	NOUN
fsr-3902	47	28	review	review	VERB
fsr-3902	47	29	8	8	NUM
fsr-3902	47	30	(	(	PUNCT
fsr-3902	47	31	1999	1999	NUM
fsr-3902	47	32	)	)	PUNCT
fsr-3902	47	33	305–317	305–317	NUM
fsr-3902	47	34	email	email	NOUN
fsr-3902	47	35	to	to	ADP
fsr-3902	47	36	where	where	SCONJ
fsr-3902	47	37	most	most	ADV
fsr-3902	47	38	now	now	ADV
fsr-3902	47	39	use	use	VERB
fsr-3902	47	40	it	it	PRON
fsr-3902	47	41	.	.	PUNCT
fsr-3902	48	1	this	this	DET
fsr-3902	48	2	change	change	NOUN
fsr-3902	48	3	required	require	VERB
fsr-3902	48	4	only	only	ADV
fsr-3902	48	5	that	that	SCONJ
fsr-3902	48	6	the	the	DET
fsr-3902	48	7	hardware	hardware	NOUN
fsr-3902	48	8	and	and	CCONJ
fsr-3902	48	9	software	software	NOUN
fsr-3902	48	10	become	become	VERB
fsr-3902	48	11	available	available	ADJ
fsr-3902	48	12	and	and	CCONJ
fsr-3902	48	13	that	that	SCONJ
fsr-3902	48	14	people	people	NOUN
fsr-3902	48	15	started	start	VERB
fsr-3902	48	16	to	to	PART
fsr-3902	48	17	realize	realize	VERB
fsr-3902	48	18	the	the	DET
fsr-3902	48	19	potential	potential	NOUN
fsr-3902	48	20	of	of	ADP
fsr-3902	48	21	the	the	DET
fsr-3902	48	22	medium	medium	NOUN
fsr-3902	48	23	.	.	PUNCT
fsr-3902	49	1	as	as	ADV
fsr-3902	49	2	recently	recently	ADV
fsr-3902	49	3	as	as	ADP
fsr-3902	49	4	five	five	NUM
fsr-3902	49	5	years	year	NOUN
fsr-3902	49	6	ago	ago	ADV
fsr-3902	49	7	,	,	PUNCT
fsr-3902	49	8	there	there	PRON
fsr-3902	49	9	was	be	VERB
fsr-3902	49	10	little	little	ADJ
fsr-3902	49	11	or	or	CCONJ
fsr-3902	49	12	no	no	PRON
fsr-3902	49	13	attempt	attempt	NOUN
fsr-3902	49	14	at	at	ADP
fsr-3902	49	15	integrating	integrate	VERB
fsr-3902	49	16	the	the	DET
fsr-3902	49	17	internet	internet	NOUN
fsr-3902	49	18	into	into	ADP
fsr-3902	49	19	finance	finance	NOUN
fsr-3902	49	20	courses	course	NOUN
fsr-3902	49	21	.	.	PUNCT
fsr-3902	50	1	i	i	PRON
fsr-3902	50	2	offer	offer	VERB
fsr-3902	50	3	two	two	NUM
fsr-3902	50	4	reasons	reason	NOUN
fsr-3902	50	5	for	for	ADP
fsr-3902	50	6	this	this	PRON
fsr-3902	50	7	.	.	PUNCT
fsr-3902	51	1	five	five	NUM
fsr-3902	51	2	years	year	NOUN
fsr-3902	51	3	ago	ago	ADV
fsr-3902	51	4	,	,	PUNCT
fsr-3902	51	5	most	most	ADJ
fsr-3902	51	6	finance	finance	NOUN
fsr-3902	51	7	faculty	faculty	NOUN
fsr-3902	51	8	did	do	AUX
fsr-3902	51	9	not	not	PART
fsr-3902	51	10	have	have	VERB
fsr-3902	51	11	access	access	NOUN
fsr-3902	51	12	to	to	ADP
fsr-3902	51	13	the	the	DET
fsr-3902	51	14	internet	internet	NOUN
fsr-3902	51	15	nor	nor	CCONJ
fsr-3902	51	16	had	have	VERB
fsr-3902	51	17	little	little	ADJ
fsr-3902	51	18	or	or	CCONJ
fsr-3902	51	19	no	no	PRON
fsr-3902	51	20	idea	idea	NOUN
fsr-3902	51	21	as	as	ADP
fsr-3902	51	22	to	to	ADP
fsr-3902	51	23	what	what	PRON
fsr-3902	51	24	was	be	AUX
fsr-3902	51	25	available	available	ADJ
fsr-3902	51	26	on	on	ADP
fsr-3902	51	27	the	the	DET
fsr-3902	51	28	internet	internet	NOUN
fsr-3902	51	29	.	.	PUNCT
fsr-3902	52	1	at	at	ADP
fsr-3902	52	2	this	this	DET
fsr-3902	52	3	time	time	NOUN
fsr-3902	52	4	,	,	PUNCT
fsr-3902	52	5	most	most	ADJ
fsr-3902	52	6	faculty	faculty	NOUN
fsr-3902	52	7	were	be	AUX
fsr-3902	52	8	just	just	ADV
fsr-3902	52	9	coming	come	VERB
fsr-3902	52	10	into	into	ADP
fsr-3902	52	11	active	active	ADJ
fsr-3902	52	12	daily	daily	ADJ
fsr-3902	52	13	usage	usage	NOUN
fsr-3902	52	14	of	of	ADP
fsr-3902	52	15	email	email	NOUN
fsr-3902	52	16	.	.	PUNCT
fsr-3902	53	1	the	the	DET
fsr-3902	53	2	internet	internet	NOUN
fsr-3902	53	3	was	be	AUX
fsr-3902	53	4	the	the	DET
fsr-3902	53	5	logical	logical	ADJ
fsr-3902	53	6	extension	extension	NOUN
fsr-3902	53	7	of	of	ADP
fsr-3902	53	8	email	email	NOUN
fsr-3902	53	9	.	.	PUNCT
fsr-3902	54	1	now	now	ADV
fsr-3902	54	2	,	,	PUNCT
fsr-3902	54	3	all	all	DET
fsr-3902	54	4	finance	finance	NOUN
fsr-3902	54	5	faculty	faculty	NOUN
fsr-3902	54	6	are	be	AUX
fsr-3902	54	7	aware	aware	ADJ
fsr-3902	54	8	of	of	ADP
fsr-3902	54	9	the	the	DET
fsr-3902	54	10	internet	internet	NOUN
fsr-3902	54	11	,	,	PUNCT
fsr-3902	54	12	most	most	ADJ
fsr-3902	54	13	are	be	AUX
fsr-3902	54	14	likely	likely	ADV
fsr-3902	54	15	familiar	familiar	ADJ
fsr-3902	54	16	with	with	ADP
fsr-3902	54	17	at	at	ADV
fsr-3902	54	18	least	least	ADJ
fsr-3902	54	19	a	a	DET
fsr-3902	54	20	few	few	ADJ
fsr-3902	54	21	sites	site	NOUN
fsr-3902	54	22	on	on	ADP
fsr-3902	54	23	the	the	DET
fsr-3902	54	24	internet	internet	NOUN
fsr-3902	54	25	,	,	PUNCT
fsr-3902	54	26	and	and	CCONJ
fsr-3902	54	27	some	some	PRON
fsr-3902	54	28	are	be	AUX
fsr-3902	54	29	attempting	attempt	VERB
fsr-3902	54	30	to	to	PART
fsr-3902	54	31	ascertain	ascertain	VERB
fsr-3902	54	32	how	how	SCONJ
fsr-3902	54	33	the	the	DET
fsr-3902	54	34	internet	internet	NOUN
fsr-3902	54	35	may	may	AUX
fsr-3902	54	36	be	be	AUX
fsr-3902	54	37	effectively	effectively	ADV
fsr-3902	54	38	integrated	integrate	VERB
fsr-3902	54	39	into	into	ADP
fsr-3902	54	40	their	their	PRON
fsr-3902	54	41	courses	course	NOUN
fsr-3902	54	42	.	.	PUNCT
fsr-3902	55	1	the	the	DET
fsr-3902	55	2	personal	personal	ADJ
fsr-3902	55	3	finance	finance	NOUN
fsr-3902	55	4	course	course	NOUN
fsr-3902	55	5	is	be	AUX
fsr-3902	55	6	the	the	DET
fsr-3902	55	7	logical	logical	ADJ
fsr-3902	55	8	place	place	NOUN
fsr-3902	55	9	for	for	ADP
fsr-3902	55	10	the	the	DET
fsr-3902	55	11	initial	initial	ADJ
fsr-3902	55	12	efforts	effort	NOUN
fsr-3902	55	13	at	at	ADP
fsr-3902	55	14	integrating	integrate	VERB
fsr-3902	55	15	the	the	DET
fsr-3902	55	16	internet	internet	NOUN
fsr-3902	55	17	.	.	PUNCT
fsr-3902	56	1	this	this	PRON
fsr-3902	56	2	is	be	AUX
fsr-3902	56	3	because	because	SCONJ
fsr-3902	56	4	a	a	DET
fsr-3902	56	5	great	great	ADJ
fsr-3902	56	6	quantity	quantity	NOUN
fsr-3902	56	7	of	of	ADP
fsr-3902	56	8	the	the	DET
fsr-3902	56	9	material	material	NOUN
fsr-3902	56	10	on	on	ADP
fsr-3902	56	11	the	the	DET
fsr-3902	56	12	internet	internet	NOUN
fsr-3902	56	13	is	be	AUX
fsr-3902	56	14	aimed	aim	VERB
fsr-3902	56	15	at	at	ADP
fsr-3902	56	16	the	the	DET
fsr-3902	56	17	individual	individual	NOUN
fsr-3902	56	18	.	.	PUNCT
fsr-3902	57	1	much	much	ADJ
fsr-3902	57	2	of	of	ADP
fsr-3902	57	3	the	the	DET
fsr-3902	57	4	material	material	NOUN
fsr-3902	57	5	on	on	ADP
fsr-3902	57	6	the	the	DET
fsr-3902	57	7	internet	internet	NOUN
fsr-3902	57	8	is	be	AUX
fsr-3902	57	9	aimed	aim	VERB
fsr-3902	57	10	at	at	ADP
fsr-3902	57	11	selling	sell	VERB
fsr-3902	57	12	products	product	NOUN
fsr-3902	57	13	to	to	ADP
fsr-3902	57	14	the	the	DET
fsr-3902	57	15	individual	individual	NOUN
fsr-3902	57	16	,	,	PUNCT
fsr-3902	57	17	but	but	CCONJ
fsr-3902	57	18	this	this	PRON
fsr-3902	57	19	is	be	AUX
fsr-3902	57	20	not	not	PART
fsr-3902	57	21	what	what	PRON
fsr-3902	57	22	we	we	PRON
fsr-3902	57	23	mean	mean	VERB
fsr-3902	57	24	by	by	ADP
fsr-3902	57	25	personal	personal	ADJ
fsr-3902	57	26	finance	finance	NOUN
fsr-3902	57	27	.	.	PUNCT
fsr-3902	58	1	a	a	DET
fsr-3902	58	2	good	good	ADJ
fsr-3902	58	3	portion	portion	NOUN
fsr-3902	58	4	of	of	ADP
fsr-3902	58	5	the	the	DET
fsr-3902	58	6	material	material	NOUN
fsr-3902	58	7	on	on	ADP
fsr-3902	58	8	the	the	DET
fsr-3902	58	9	internet	internet	NOUN
fsr-3902	58	10	is	be	AUX
fsr-3902	58	11	aimed	aim	VERB
fsr-3902	58	12	at	at	ADP
fsr-3902	58	13	providing	provide	VERB
fsr-3902	58	14	information	information	NOUN
fsr-3902	58	15	and	and	CCONJ
fsr-3902	58	16	even	even	ADV
fsr-3902	58	17	solutions	solution	NOUN
fsr-3902	58	18	to	to	ADP
fsr-3902	58	19	problems	problem	NOUN
fsr-3902	58	20	and	and	CCONJ
fsr-3902	58	21	questions	question	NOUN
fsr-3902	58	22	that	that	PRON
fsr-3902	58	23	people	people	NOUN
fsr-3902	58	24	have	have	VERB
fsr-3902	58	25	in	in	ADP
fsr-3902	58	26	the	the	DET
fsr-3902	58	27	area	area	NOUN
fsr-3902	58	28	of	of	ADP
fsr-3902	58	29	personal	personal	ADJ
fsr-3902	58	30	finance	finance	NOUN
fsr-3902	58	31	.	.	PUNCT
fsr-3902	59	1	some	some	PRON
fsr-3902	59	2	of	of	ADP
fsr-3902	59	3	this	this	DET
fsr-3902	59	4	information	information	NOUN
fsr-3902	59	5	is	be	AUX
fsr-3902	59	6	provided	provide	VERB
fsr-3902	59	7	in	in	ADP
fsr-3902	59	8	the	the	DET
fsr-3902	59	9	hope	hope	NOUN
fsr-3902	59	10	that	that	SCONJ
fsr-3902	59	11	the	the	DET
fsr-3902	59	12	users	user	NOUN
fsr-3902	59	13	will	will	AUX
fsr-3902	59	14	be	be	AUX
fsr-3902	59	15	so	so	ADV
fsr-3902	59	16	pleased	pleased	ADJ
fsr-3902	59	17	with	with	ADP
fsr-3902	59	18	the	the	DET
fsr-3902	59	19	information	information	NOUN
fsr-3902	59	20	provided	provide	VERB
fsr-3902	59	21	that	that	SCONJ
fsr-3902	59	22	said	say	VERB
fsr-3902	59	23	users	user	NOUN
fsr-3902	59	24	will	will	AUX
fsr-3902	59	25	buy	buy	VERB
fsr-3902	59	26	the	the	DET
fsr-3902	59	27	services	service	NOUN
fsr-3902	59	28	or	or	CCONJ
fsr-3902	59	29	products	product	NOUN
fsr-3902	59	30	of	of	ADP
fsr-3902	59	31	the	the	DET
fsr-3902	59	32	site	site	NOUN
fsr-3902	59	33	sponsors	sponsor	NOUN
fsr-3902	59	34	.	.	PUNCT
fsr-3902	60	1	however	however	ADV
fsr-3902	60	2	,	,	PUNCT
fsr-3902	60	3	some	some	PRON
fsr-3902	60	4	of	of	ADP
fsr-3902	60	5	the	the	DET
fsr-3902	60	6	information	information	NOUN
fsr-3902	60	7	is	be	AUX
fsr-3902	60	8	provided	provide	VERB
fsr-3902	60	9	by	by	ADP
fsr-3902	60	10	entities	entity	NOUN
fsr-3902	60	11	whose	whose	DET
fsr-3902	60	12	goal	goal	NOUN
fsr-3902	60	13	is	be	AUX
fsr-3902	60	14	simply	simply	ADV
fsr-3902	60	15	to	to	PART
fsr-3902	60	16	be	be	AUX
fsr-3902	60	17	a	a	DET
fsr-3902	60	18	provider	provider	NOUN
fsr-3902	60	19	of	of	ADP
fsr-3902	60	20	information	information	NOUN
fsr-3902	60	21	.	.	PUNCT
fsr-3902	61	1	these	these	DET
fsr-3902	61	2	sites	site	NOUN
fsr-3902	61	3	include	include	VERB
fsr-3902	61	4	government	government	NOUN
fsr-3902	61	5	sites	site	NOUN
fsr-3902	61	6	(	(	PUNCT
fsr-3902	61	7	.gov	.gov	ADJ
fsr-3902	61	8	)	)	PUNCT
fsr-3902	61	9	,	,	PUNCT
fsr-3902	61	10	educational	educational	ADJ
fsr-3902	61	11	institution	institution	NOUN
fsr-3902	61	12	sites	site	NOUN
fsr-3902	61	13	(	(	PUNCT
fsr-3902	61	14	.edu	.edu	ADJ
fsr-3902	61	15	)	)	PUNCT
fsr-3902	61	16	,	,	PUNCT
fsr-3902	61	17	and	and	CCONJ
fsr-3902	61	18	nonprofit	nonprofit	ADJ
fsr-3902	61	19	and	and	CCONJ
fsr-3902	61	20	not	not	PART
fsr-3902	61	21	-	-	PUNCT
fsr-3902	61	22	for	for	ADP
fsr-3902	61	23	-	-	PUNCT
fsr-3902	61	24	profit	profit	NOUN
fsr-3902	61	25	sites	site	NOUN
fsr-3902	61	26	(	(	PUNCT
fsr-3902	61	27	.org	.org	PUNCT
fsr-3902	61	28	)	)	PUNCT
fsr-3902	61	29	.	.	PUNCT
fsr-3902	62	1	3	3	X
fsr-3902	62	2	.	.	X
fsr-3902	62	3	what	what	PRON
fsr-3902	62	4	is	be	AUX
fsr-3902	62	5	the	the	DET
fsr-3902	62	6	ideal	ideal	ADJ
fsr-3902	62	7	internet	internet	NOUN
fsr-3902	62	8	-	-	PUNCT
fsr-3902	62	9	integrated	integrate	VERB
fsr-3902	62	10	course	course	NOUN
fsr-3902	62	11	?	?	PUNCT
fsr-3902	63	1	the	the	DET
fsr-3902	63	2	wealth	wealth	NOUN
fsr-3902	63	3	of	of	ADP
fsr-3902	63	4	information	information	NOUN
fsr-3902	63	5	and	and	CCONJ
fsr-3902	63	6	calculators	calculator	NOUN
fsr-3902	63	7	currently	currently	ADV
fsr-3902	63	8	available	available	ADJ
fsr-3902	63	9	on	on	ADP
fsr-3902	63	10	the	the	DET
fsr-3902	63	11	internet	internet	NOUN
fsr-3902	63	12	is	be	AUX
fsr-3902	63	13	so	so	ADV
fsr-3902	63	14	extensive	extensive	ADJ
fsr-3902	63	15	that	that	SCONJ
fsr-3902	63	16	one	one	PRON
fsr-3902	63	17	could	could	AUX
fsr-3902	63	18	teach	teach	VERB
fsr-3902	63	19	a	a	DET
fsr-3902	63	20	highly	highly	ADV
fsr-3902	63	21	effective	effective	ADJ
fsr-3902	63	22	course	course	NOUN
fsr-3902	63	23	in	in	ADP
fsr-3902	63	24	personal	personal	ADJ
fsr-3902	63	25	finance	finance	NOUN
fsr-3902	63	26	without	without	ADP
fsr-3902	63	27	resorting	resort	VERB
fsr-3902	63	28	to	to	ADP
fsr-3902	63	29	a	a	DET
fsr-3902	63	30	primary	primary	ADJ
fsr-3902	63	31	text	text	NOUN
fsr-3902	63	32	.	.	PUNCT
fsr-3902	64	1	the	the	DET
fsr-3902	64	2	ideal	ideal	ADJ
fsr-3902	64	3	integrated	integrated	ADJ
fsr-3902	64	4	course	course	NOUN
fsr-3902	64	5	starts	start	VERB
fsr-3902	64	6	with	with	ADP
fsr-3902	64	7	a	a	DET
fsr-3902	64	8	home	home	NOUN
fsr-3902	64	9	page	page	NOUN
fsr-3902	64	10	for	for	ADP
fsr-3902	64	11	the	the	DET
fsr-3902	64	12	course	course	NOUN
fsr-3902	64	13	.	.	PUNCT
fsr-3902	65	1	on	on	ADP
fsr-3902	65	2	or	or	CCONJ
fsr-3902	65	3	before	before	ADP
fsr-3902	65	4	the	the	DET
fsr-3902	65	5	first	first	ADJ
fsr-3902	65	6	day	day	NOUN
fsr-3902	65	7	of	of	ADP
fsr-3902	65	8	class	class	NOUN
fsr-3902	65	9	,	,	PUNCT
fsr-3902	65	10	the	the	DET
fsr-3902	65	11	instructor	instructor	NOUN
fsr-3902	65	12	needs	need	VERB
fsr-3902	65	13	only	only	ADV
fsr-3902	65	14	to	to	PART
fsr-3902	65	15	provide	provide	VERB
fsr-3902	65	16	the	the	DET
fsr-3902	65	17	students	student	NOUN
fsr-3902	65	18	with	with	ADP
fsr-3902	65	19	the	the	DET
fsr-3902	65	20	url	url	NOUN
fsr-3902	65	21	of	of	ADP
fsr-3902	65	22	the	the	DET
fsr-3902	65	23	course	course	NOUN
fsr-3902	65	24	’s	’s	NOUN
fsr-3902	65	25	home	home	NOUN
fsr-3902	65	26	page	page	NOUN
fsr-3902	65	27	.	.	PUNCT
fsr-3902	66	1	the	the	DET
fsr-3902	66	2	first	first	ADJ
fsr-3902	66	3	link	link	NOUN
fsr-3902	66	4	on	on	ADP
fsr-3902	66	5	the	the	DET
fsr-3902	66	6	course	course	NOUN
fsr-3902	66	7	home	home	NOUN
fsr-3902	66	8	page	page	NOUN
fsr-3902	66	9	would	would	AUX
fsr-3902	66	10	be	be	AUX
fsr-3902	66	11	the	the	DET
fsr-3902	66	12	syllabus	syllabus	NOUN
fsr-3902	66	13	.	.	PUNCT
fsr-3902	67	1	as	as	ADP
fsr-3902	67	2	a	a	DET
fsr-3902	67	3	web	web	NOUN
fsr-3902	67	4	page	page	NOUN
fsr-3902	67	5	,	,	PUNCT
fsr-3902	67	6	the	the	DET
fsr-3902	67	7	syllabus	syllabus	NOUN
fsr-3902	67	8	can	can	AUX
fsr-3902	67	9	contain	contain	VERB
fsr-3902	67	10	many	many	ADJ
fsr-3902	67	11	links	link	NOUN
fsr-3902	67	12	of	of	ADP
fsr-3902	67	13	potential	potential	ADJ
fsr-3902	67	14	use	use	NOUN
fsr-3902	67	15	to	to	ADP
fsr-3902	67	16	a	a	DET
fsr-3902	67	17	student	student	NOUN
fsr-3902	67	18	.	.	PUNCT
fsr-3902	68	1	for	for	ADP
fsr-3902	68	2	example	example	NOUN
fsr-3902	68	3	,	,	PUNCT
fsr-3902	68	4	instead	instead	ADV
fsr-3902	68	5	of	of	ADP
fsr-3902	68	6	just	just	ADV
fsr-3902	68	7	listing	list	VERB
fsr-3902	68	8	the	the	DET
fsr-3902	68	9	prerequisites	prerequisite	NOUN
fsr-3902	68	10	for	for	ADP
fsr-3902	68	11	a	a	DET
fsr-3902	68	12	course	course	NOUN
fsr-3902	68	13	,	,	PUNCT
fsr-3902	68	14	the	the	DET
fsr-3902	68	15	instructor	instructor	NOUN
fsr-3902	68	16	can	can	AUX
fsr-3902	68	17	make	make	VERB
fsr-3902	68	18	the	the	DET
fsr-3902	68	19	prerequisites	prerequisite	NOUN
fsr-3902	68	20	into	into	ADP
fsr-3902	68	21	links	link	NOUN
fsr-3902	68	22	that	that	PRON
fsr-3902	68	23	tie	tie	VERB
fsr-3902	68	24	into	into	ADP
fsr-3902	68	25	the	the	DET
fsr-3902	68	26	syllabi	syllabus	NOUN
fsr-3902	68	27	of	of	ADP
fsr-3902	68	28	the	the	DET
fsr-3902	68	29	prerequisite	prerequisite	NOUN
fsr-3902	68	30	courses	course	NOUN
fsr-3902	68	31	.	.	PUNCT
fsr-3902	69	1	thus	thus	ADV
fsr-3902	69	2	,	,	PUNCT
fsr-3902	69	3	if	if	SCONJ
fsr-3902	69	4	a	a	DET
fsr-3902	69	5	student	student	NOUN
fsr-3902	69	6	has	have	AUX
fsr-3902	69	7	had	have	VERB
fsr-3902	69	8	a	a	DET
fsr-3902	69	9	similar	similar	ADJ
fsr-3902	69	10	course	course	NOUN
fsr-3902	69	11	elsewhere	elsewhere	ADV
fsr-3902	69	12	,	,	PUNCT
fsr-3902	69	13	that	that	DET
fsr-3902	69	14	student	student	NOUN
fsr-3902	69	15	can	can	AUX
fsr-3902	69	16	self	self	NOUN
fsr-3902	69	17	-	-	PUNCT
fsr-3902	69	18	validate	validate	NOUN
fsr-3902	69	19	that	that	SCONJ
fsr-3902	69	20	other	other	ADJ
fsr-3902	69	21	course	course	NOUN
fsr-3902	69	22	by	by	ADP
fsr-3902	69	23	seeing	see	VERB
fsr-3902	69	24	if	if	SCONJ
fsr-3902	69	25	the	the	DET
fsr-3902	69	26	course	course	NOUN
fsr-3902	69	27	he	he	PRON
fsr-3902	69	28	or	or	CCONJ
fsr-3902	69	29	she	she	PRON
fsr-3902	69	30	had	have	AUX
fsr-3902	69	31	matches	match	VERB
fsr-3902	69	32	the	the	DET
fsr-3902	69	33	syllabus	syllabus	NOUN
fsr-3902	69	34	of	of	ADP
fsr-3902	69	35	the	the	DET
fsr-3902	69	36	prerequisite	prerequisite	NOUN
fsr-3902	69	37	course	course	NOUN
fsr-3902	69	38	.	.	PUNCT
fsr-3902	70	1	most	most	ADJ
fsr-3902	70	2	publishers	publisher	NOUN
fsr-3902	70	3	now	now	ADV
fsr-3902	70	4	have	have	VERB
fsr-3902	70	5	web	web	NOUN
fsr-3902	70	6	sites	site	NOUN
fsr-3902	70	7	to	to	PART
fsr-3902	70	8	support	support	VERB
fsr-3902	70	9	each	each	DET
fsr-3902	70	10	textbook	textbook	NOUN
fsr-3902	70	11	(	(	PUNCT
fsr-3902	70	12	much	much	ADV
fsr-3902	70	13	more	more	ADJ
fsr-3902	70	14	on	on	ADP
fsr-3902	70	15	this	this	DET
fsr-3902	70	16	topic	topic	NOUN
fsr-3902	70	17	later	later	ADV
fsr-3902	70	18	)	)	PUNCT
fsr-3902	70	19	.	.	PUNCT
fsr-3902	71	1	as	as	SCONJ
fsr-3902	71	2	these	these	DET
fsr-3902	71	3	web	web	NOUN
fsr-3902	71	4	sites	site	NOUN
fsr-3902	71	5	sometimes	sometimes	ADV
fsr-3902	71	6	include	include	VERB
fsr-3902	71	7	material	material	NOUN
fsr-3902	71	8	found	find	VERB
fsr-3902	71	9	in	in	ADP
fsr-3902	71	10	a	a	DET
fsr-3902	71	11	study	study	NOUN
fsr-3902	71	12	guide	guide	NOUN
fsr-3902	71	13	,	,	PUNCT
fsr-3902	71	14	as	as	ADV
fsr-3902	71	15	well	well	ADV
fsr-3902	71	16	as	as	ADP
fsr-3902	71	17	supplemental	supplemental	ADJ
fsr-3902	71	18	material	material	NOUN
fsr-3902	71	19	for	for	ADP
fsr-3902	71	20	the	the	DET
fsr-3902	71	21	textbook	textbook	NOUN
fsr-3902	71	22	,	,	PUNCT
fsr-3902	71	23	a	a	DET
fsr-3902	71	24	link	link	NOUN
fsr-3902	71	25	to	to	ADP
fsr-3902	71	26	the	the	DET
fsr-3902	71	27	publisher	publisher	NOUN
fsr-3902	71	28	’s	’s	PART
fsr-3902	71	29	site	site	NOUN
fsr-3902	71	30	for	for	ADP
fsr-3902	71	31	the	the	DET
fsr-3902	71	32	selected	select	VERB
fsr-3902	71	33	text	text	NOUN
fsr-3902	71	34	would	would	AUX
fsr-3902	71	35	seem	seem	VERB
fsr-3902	71	36	to	to	PART
fsr-3902	71	37	be	be	AUX
fsr-3902	71	38	mandatory	mandatory	ADJ
fsr-3902	71	39	.	.	PUNCT
fsr-3902	72	1	the	the	DET
fsr-3902	72	2	instructor	instructor	NOUN
fsr-3902	72	3	’s	’s	PART
fsr-3902	72	4	name	name	NOUN
fsr-3902	72	5	on	on	ADP
fsr-3902	72	6	the	the	DET
fsr-3902	72	7	syllabus	syllabus	NOUN
fsr-3902	72	8	could	could	AUX
fsr-3902	72	9	also	also	ADV
fsr-3902	72	10	serve	serve	VERB
fsr-3902	72	11	as	as	ADP
fsr-3902	72	12	a	a	DET
fsr-3902	72	13	link	link	NOUN
fsr-3902	72	14	to	to	ADP
fsr-3902	72	15	the	the	DET
fsr-3902	72	16	instructor	instructor	NOUN
fsr-3902	72	17	’s	’s	PART
fsr-3902	72	18	resume	resume	NOUN
fsr-3902	72	19	.	.	PUNCT
fsr-3902	73	1	as	as	SCONJ
fsr-3902	73	2	many	many	ADJ
fsr-3902	73	3	faculty	faculty	NOUN
fsr-3902	73	4	members	member	NOUN
fsr-3902	73	5	have	have	AUX
fsr-3902	73	6	not	not	PART
fsr-3902	73	7	yet	yet	ADV
fsr-3902	73	8	posted	post	VERB
fsr-3902	73	9	their	their	PRON
fsr-3902	73	10	own	own	ADJ
fsr-3902	73	11	resumes	resume	NOUN
fsr-3902	73	12	,	,	PUNCT
fsr-3902	73	13	some	some	DET
fsr-3902	73	14	business	business	NOUN
fsr-3902	73	15	colleges	college	NOUN
fsr-3902	73	16	provide	provide	VERB
fsr-3902	73	17	a	a	DET
fsr-3902	73	18	college	college	NOUN
fsr-3902	73	19	-	-	PUNCT
fsr-3902	73	20	wide	wide	ADJ
fsr-3902	73	21	directory	directory	NOUN
fsr-3902	73	22	of	of	ADP
fsr-3902	73	23	faculty	faculty	NOUN
fsr-3902	73	24	with	with	ADP
fsr-3902	73	25	biographies	biography	NOUN
fsr-3902	73	26	for	for	ADP
fsr-3902	73	27	most	most	ADJ
fsr-3902	73	28	or	or	CCONJ
fsr-3902	73	29	all	all	PRON
fsr-3902	73	30	faculty	faculty	NOUN
fsr-3902	73	31	members	member	NOUN
fsr-3902	73	32	.	.	PUNCT
fsr-3902	74	1	this	this	DET
fsr-3902	74	2	way	way	NOUN
fsr-3902	74	3	,	,	PUNCT
fsr-3902	74	4	instructors	instructor	NOUN
fsr-3902	74	5	do	do	AUX
fsr-3902	74	6	n’t	not	PART
fsr-3902	74	7	have	have	VERB
fsr-3902	74	8	to	to	PART
fsr-3902	74	9	feel	feel	VERB
fsr-3902	74	10	any	any	DET
fsr-3902	74	11	embarrassment	embarrassment	NOUN
fsr-3902	74	12	about	about	ADP
fsr-3902	74	13	providing	provide	VERB
fsr-3902	74	14	an	an	DET
fsr-3902	74	15	autobiography	autobiography	NOUN
fsr-3902	74	16	if	if	SCONJ
fsr-3902	74	17	asked	ask	VERB
fsr-3902	74	18	by	by	ADP
fsr-3902	74	19	the	the	DET
fsr-3902	74	20	students	student	NOUN
fsr-3902	74	21	about	about	ADP
fsr-3902	74	22	their	their	PRON
fsr-3902	74	23	background	background	NOUN
fsr-3902	74	24	and	and	CCONJ
fsr-3902	74	25	experiences	experience	NOUN
fsr-3902	74	26	.	.	PUNCT
fsr-3902	75	1	each	each	DET
fsr-3902	75	2	class	class	NOUN
fsr-3902	75	3	meeting	meeting	NOUN
fsr-3902	75	4	date	date	NOUN
fsr-3902	75	5	could	could	AUX
fsr-3902	75	6	be	be	AUX
fsr-3902	75	7	listed	list	VERB
fsr-3902	75	8	as	as	ADP
fsr-3902	75	9	a	a	DET
fsr-3902	75	10	link	link	NOUN
fsr-3902	75	11	to	to	ADP
fsr-3902	75	12	a	a	DET
fsr-3902	75	13	separate	separate	ADJ
fsr-3902	75	14	page	page	NOUN
fsr-3902	75	15	.	.	PUNCT
fsr-3902	76	1	on	on	ADP
fsr-3902	76	2	this	this	DET
fsr-3902	76	3	separate	separate	ADJ
fsr-3902	76	4	page	page	NOUN
fsr-3902	76	5	,	,	PUNCT
fsr-3902	76	6	307w	307w	NUM
fsr-3902	76	7	.	.	PUNCT
fsr-3902	76	8	woerheide	woerheide	PROPN
fsr-3902	76	9	/	/	SYM
fsr-3902	76	10	financial	financial	ADJ
fsr-3902	76	11	services	service	NOUN
fsr-3902	76	12	review	review	VERB
fsr-3902	76	13	8	8	NUM
fsr-3902	76	14	(	(	PUNCT
fsr-3902	76	15	1999	1999	NUM
fsr-3902	76	16	)	)	PUNCT
fsr-3902	76	17	305–317	305–317	NUM
fsr-3902	76	18	the	the	DET
fsr-3902	76	19	instructor	instructor	NOUN
fsr-3902	76	20	could	could	AUX
fsr-3902	76	21	list	list	VERB
fsr-3902	76	22	basic	basic	ADJ
fsr-3902	76	23	information	information	NOUN
fsr-3902	76	24	such	such	ADJ
fsr-3902	76	25	as	as	ADP
fsr-3902	76	26	what	what	DET
fsr-3902	76	27	homework	homework	NOUN
fsr-3902	76	28	would	would	AUX
fsr-3902	76	29	be	be	AUX
fsr-3902	76	30	due	due	ADJ
fsr-3902	76	31	for	for	ADP
fsr-3902	76	32	that	that	DET
fsr-3902	76	33	class	class	NOUN
fsr-3902	76	34	,	,	PUNCT
fsr-3902	76	35	what	what	PRON
fsr-3902	76	36	the	the	DET
fsr-3902	76	37	learning	learning	NOUN
fsr-3902	76	38	objectives	objective	NOUN
fsr-3902	76	39	for	for	ADP
fsr-3902	76	40	that	that	DET
fsr-3902	76	41	class	class	NOUN
fsr-3902	76	42	would	would	AUX
fsr-3902	76	43	be	be	AUX
fsr-3902	76	44	,	,	PUNCT
fsr-3902	76	45	and	and	CCONJ
fsr-3902	76	46	even	even	ADV
fsr-3902	76	47	a	a	DET
fsr-3902	76	48	full	full	ADJ
fsr-3902	76	49	outline	outline	NOUN
fsr-3902	76	50	of	of	ADP
fsr-3902	76	51	the	the	DET
fsr-3902	76	52	topics	topic	NOUN
fsr-3902	76	53	to	to	PART
fsr-3902	76	54	be	be	AUX
fsr-3902	76	55	covered	cover	VERB
fsr-3902	76	56	in	in	ADP
fsr-3902	76	57	that	that	DET
fsr-3902	76	58	class	class	NOUN
fsr-3902	76	59	.	.	PUNCT
fsr-3902	77	1	the	the	DET
fsr-3902	77	2	final	final	ADJ
fsr-3902	77	3	addition	addition	NOUN
fsr-3902	77	4	to	to	ADP
fsr-3902	77	5	the	the	DET
fsr-3902	77	6	class	class	NOUN
fsr-3902	77	7	home	home	NOUN
fsr-3902	77	8	page	page	NOUN
fsr-3902	77	9	would	would	AUX
fsr-3902	77	10	be	be	AUX
fsr-3902	77	11	a	a	DET
fsr-3902	77	12	link	link	NOUN
fsr-3902	77	13	for	for	ADP
fsr-3902	77	14	each	each	DET
fsr-3902	77	15	“	"	PUNCT
fsr-3902	77	16	chapter	chapter	NOUN
fsr-3902	77	17	”	"	PUNCT
fsr-3902	77	18	in	in	ADP
fsr-3902	77	19	an	an	DET
fsr-3902	77	20	on	on	ADP
fsr-3902	77	21	-	-	PUNCT
fsr-3902	77	22	line	line	NOUN
fsr-3902	77	23	,	,	PUNCT
fsr-3902	77	24	virtual	virtual	ADJ
fsr-3902	77	25	textbook	textbook	NOUN
fsr-3902	77	26	.	.	PUNCT
fsr-3902	78	1	the	the	DET
fsr-3902	78	2	chapter	chapter	NOUN
fsr-3902	78	3	would	would	AUX
fsr-3902	78	4	then	then	ADV
fsr-3902	78	5	be	be	AUX
fsr-3902	78	6	a	a	DET
fsr-3902	78	7	series	series	NOUN
fsr-3902	78	8	of	of	ADP
fsr-3902	78	9	links	link	NOUN
fsr-3902	78	10	covering	cover	VERB
fsr-3902	78	11	all	all	PRON
fsr-3902	78	12	of	of	ADP
fsr-3902	78	13	the	the	DET
fsr-3902	78	14	appropriate	appropriate	ADJ
fsr-3902	78	15	material	material	NOUN
fsr-3902	78	16	for	for	ADP
fsr-3902	78	17	that	that	DET
fsr-3902	78	18	topic	topic	NOUN
fsr-3902	78	19	.	.	PUNCT
fsr-3902	79	1	some	some	DET
fsr-3902	79	2	connecting	connect	VERB
fsr-3902	79	3	material	material	NOUN
fsr-3902	79	4	between	between	ADP
fsr-3902	79	5	urls	url	NOUN
fsr-3902	79	6	would	would	AUX
fsr-3902	79	7	likely	likely	ADV
fsr-3902	79	8	be	be	AUX
fsr-3902	79	9	appropriate	appropriate	ADJ
fsr-3902	79	10	.	.	PUNCT
fsr-3902	80	1	similarly	similarly	ADV
fsr-3902	80	2	,	,	PUNCT
fsr-3902	80	3	some	some	DET
fsr-3902	80	4	end	end	NOUN
fsr-3902	80	5	of	of	ADP
fsr-3902	80	6	chapter	chapter	NOUN
fsr-3902	80	7	material	material	NOUN
fsr-3902	80	8	such	such	ADJ
fsr-3902	80	9	as	as	ADP
fsr-3902	80	10	a	a	DET
fsr-3902	80	11	summary	summary	NOUN
fsr-3902	80	12	,	,	PUNCT
fsr-3902	80	13	list	list	NOUN
fsr-3902	80	14	of	of	ADP
fsr-3902	80	15	key	key	ADJ
fsr-3902	80	16	terms	term	NOUN
fsr-3902	80	17	,	,	PUNCT
fsr-3902	80	18	and	and	CCONJ
fsr-3902	80	19	problems	problem	NOUN
fsr-3902	80	20	may	may	AUX
fsr-3902	80	21	have	have	VERB
fsr-3902	80	22	to	to	PART
fsr-3902	80	23	be	be	AUX
fsr-3902	80	24	inserted	insert	VERB
fsr-3902	80	25	.	.	PUNCT
fsr-3902	81	1	4	4	X
fsr-3902	81	2	.	.	X
fsr-3902	81	3	why	why	SCONJ
fsr-3902	81	4	does	do	AUX
fsr-3902	81	5	n’t	not	PART
fsr-3902	81	6	the	the	DET
fsr-3902	81	7	ideal	ideal	NOUN
fsr-3902	81	8	exist	exist	VERB
fsr-3902	81	9	?	?	PUNCT
fsr-3902	82	1	if	if	SCONJ
fsr-3902	82	2	the	the	DET
fsr-3902	82	3	ideal	ideal	NOUN
fsr-3902	82	4	is	be	AUX
fsr-3902	82	5	within	within	ADP
fsr-3902	82	6	reach	reach	NOUN
fsr-3902	82	7	,	,	PUNCT
fsr-3902	82	8	then	then	ADV
fsr-3902	82	9	why	why	SCONJ
fsr-3902	82	10	do	do	AUX
fsr-3902	82	11	n’t	not	PART
fsr-3902	82	12	we	we	PRON
fsr-3902	82	13	observe	observe	VERB
fsr-3902	82	14	it	it	PRON
fsr-3902	82	15	?	?	PUNCT
fsr-3902	83	1	the	the	DET
fsr-3902	83	2	primary	primary	ADJ
fsr-3902	83	3	reason	reason	NOUN
fsr-3902	83	4	we	we	PRON
fsr-3902	83	5	do	do	AUX
fsr-3902	83	6	not	not	PART
fsr-3902	83	7	observe	observe	VERB
fsr-3902	83	8	anyone	anyone	PRON
fsr-3902	83	9	providing	provide	VERB
fsr-3902	83	10	such	such	DET
fsr-3902	83	11	a	a	DET
fsr-3902	83	12	course	course	NOUN
fsr-3902	83	13	boils	boil	VERB
fsr-3902	83	14	down	down	ADP
fsr-3902	83	15	to	to	ADP
fsr-3902	83	16	the	the	DET
fsr-3902	83	17	economics	economic	NOUN
fsr-3902	83	18	of	of	ADP
fsr-3902	83	19	doing	do	VERB
fsr-3902	83	20	it	it	PRON
fsr-3902	83	21	.	.	PUNCT
fsr-3902	84	1	first	first	ADV
fsr-3902	84	2	,	,	PUNCT
fsr-3902	84	3	the	the	DET
fsr-3902	84	4	preparation	preparation	NOUN
fsr-3902	84	5	of	of	ADP
fsr-3902	84	6	such	such	DET
fsr-3902	84	7	a	a	DET
fsr-3902	84	8	course	course	NOUN
fsr-3902	84	9	would	would	AUX
fsr-3902	84	10	be	be	AUX
fsr-3902	84	11	a	a	DET
fsr-3902	84	12	gargantuan	gargantuan	ADJ
fsr-3902	84	13	effort	effort	NOUN
fsr-3902	84	14	,	,	PUNCT
fsr-3902	84	15	perhaps	perhaps	ADV
fsr-3902	84	16	equivalent	equivalent	ADJ
fsr-3902	84	17	to	to	ADP
fsr-3902	84	18	writing	write	VERB
fsr-3902	84	19	a	a	DET
fsr-3902	84	20	book	book	NOUN
fsr-3902	84	21	.	.	PUNCT
fsr-3902	85	1	no	no	DET
fsr-3902	85	2	one	one	NOUN
fsr-3902	85	3	writes	write	VERB
fsr-3902	85	4	his	his	PRON
fsr-3902	85	5	or	or	CCONJ
fsr-3902	85	6	her	her	PRON
fsr-3902	85	7	own	own	ADJ
fsr-3902	85	8	book	book	NOUN
fsr-3902	85	9	for	for	ADP
fsr-3902	85	10	just	just	ADV
fsr-3902	85	11	one	one	NUM
fsr-3902	85	12	course	course	NOUN
fsr-3902	85	13	.	.	PUNCT
fsr-3902	86	1	a	a	DET
fsr-3902	86	2	second	second	ADJ
fsr-3902	86	3	reason	reason	NOUN
fsr-3902	86	4	is	be	AUX
fsr-3902	86	5	the	the	DET
fsr-3902	86	6	obsolescence	obsolescence	NOUN
fsr-3902	86	7	factor	factor	NOUN
fsr-3902	86	8	.	.	PUNCT
fsr-3902	87	1	the	the	DET
fsr-3902	87	2	author	author	NOUN
fsr-3902	87	3	of	of	ADP
fsr-3902	87	4	this	this	DET
fsr-3902	87	5	on	on	ADP
fsr-3902	87	6	-	-	PUNCT
fsr-3902	87	7	line	line	NOUN
fsr-3902	87	8	text	text	NOUN
fsr-3902	87	9	would	would	AUX
fsr-3902	87	10	have	have	VERB
fsr-3902	87	11	to	to	PART
fsr-3902	87	12	spend	spend	VERB
fsr-3902	87	13	time	time	NOUN
fsr-3902	87	14	every	every	DET
fsr-3902	87	15	month	month	NOUN
fsr-3902	87	16	,	,	PUNCT
fsr-3902	87	17	if	if	SCONJ
fsr-3902	87	18	not	not	PART
fsr-3902	87	19	every	every	DET
fsr-3902	87	20	week	week	NOUN
fsr-3902	87	21	,	,	PUNCT
fsr-3902	87	22	checking	check	VERB
fsr-3902	87	23	to	to	PART
fsr-3902	87	24	make	make	VERB
fsr-3902	87	25	sure	sure	ADJ
fsr-3902	87	26	all	all	PRON
fsr-3902	87	27	of	of	ADP
fsr-3902	87	28	the	the	DET
fsr-3902	87	29	links	link	NOUN
fsr-3902	87	30	are	be	AUX
fsr-3902	87	31	active	active	ADJ
fsr-3902	87	32	and	and	CCONJ
fsr-3902	87	33	replacing	replace	VERB
fsr-3902	87	34	those	those	DET
fsr-3902	87	35	links	link	NOUN
fsr-3902	87	36	where	where	SCONJ
fsr-3902	87	37	the	the	DET
fsr-3902	87	38	urls	url	NOUN
fsr-3902	87	39	have	have	AUX
fsr-3902	87	40	been	be	AUX
fsr-3902	87	41	modified	modify	VERB
fsr-3902	87	42	or	or	CCONJ
fsr-3902	87	43	the	the	DET
fsr-3902	87	44	links	link	NOUN
fsr-3902	87	45	have	have	AUX
fsr-3902	87	46	disappeared	disappear	VERB
fsr-3902	87	47	.	.	PUNCT
fsr-3902	88	1	the	the	DET
fsr-3902	88	2	modification	modification	NOUN
fsr-3902	88	3	of	of	ADP
fsr-3902	88	4	urls	url	NOUN
fsr-3902	88	5	and	and	CCONJ
fsr-3902	88	6	their	their	PRON
fsr-3902	88	7	disappearance	disappearance	NOUN
fsr-3902	88	8	is	be	AUX
fsr-3902	88	9	known	know	VERB
fsr-3902	88	10	as	as	ADP
fsr-3902	88	11	link	link	NOUN
fsr-3902	88	12	rot	rot	VERB
fsr-3902	88	13	.	.	PUNCT
fsr-3902	89	1	no	no	DET
fsr-3902	89	2	one	one	NOUN
fsr-3902	89	3	can	can	AUX
fsr-3902	89	4	afford	afford	VERB
fsr-3902	89	5	this	this	DET
fsr-3902	89	6	much	much	ADJ
fsr-3902	89	7	time	time	NOUN
fsr-3902	89	8	to	to	PART
fsr-3902	89	9	keep	keep	VERB
fsr-3902	89	10	one	one	NUM
fsr-3902	89	11	course	course	NOUN
fsr-3902	89	12	up	up	ADP
fsr-3902	89	13	-	-	PUNCT
fsr-3902	89	14	to	to	ADP
fsr-3902	89	15	-	-	PUNCT
fsr-3902	89	16	date	date	NOUN
fsr-3902	89	17	.	.	PUNCT
fsr-3902	90	1	yet	yet	CCONJ
fsr-3902	90	2	another	another	DET
fsr-3902	90	3	reason	reason	NOUN
fsr-3902	90	4	we	we	PRON
fsr-3902	90	5	have	have	AUX
fsr-3902	90	6	not	not	PART
fsr-3902	90	7	seen	see	VERB
fsr-3902	90	8	the	the	DET
fsr-3902	90	9	abandonment	abandonment	NOUN
fsr-3902	90	10	of	of	ADP
fsr-3902	90	11	a	a	DET
fsr-3902	90	12	primary	primary	ADJ
fsr-3902	90	13	textbook	textbook	NOUN
fsr-3902	90	14	is	be	AUX
fsr-3902	90	15	that	that	SCONJ
fsr-3902	90	16	a	a	DET
fsr-3902	90	17	well	well	ADV
fsr-3902	90	18	-	-	PUNCT
fsr-3902	90	19	written	write	VERB
fsr-3902	90	20	text	text	NOUN
fsr-3902	90	21	can	can	AUX
fsr-3902	90	22	help	help	VERB
fsr-3902	90	23	motivate	motivate	VERB
fsr-3902	90	24	students	student	NOUN
fsr-3902	90	25	and	and	CCONJ
fsr-3902	90	26	serves	serve	VERB
fsr-3902	90	27	as	as	ADP
fsr-3902	90	28	an	an	DET
fsr-3902	90	29	alter	alter	NOUN
fsr-3902	90	30	ego	ego	NOUN
fsr-3902	90	31	to	to	ADP
fsr-3902	90	32	the	the	DET
fsr-3902	90	33	professor	professor	NOUN
fsr-3902	90	34	in	in	ADP
fsr-3902	90	35	the	the	DET
fsr-3902	90	36	course	course	NOUN
fsr-3902	90	37	.	.	PUNCT
fsr-3902	91	1	it	it	PRON
fsr-3902	91	2	is	be	AUX
fsr-3902	91	3	like	like	ADP
fsr-3902	91	4	a	a	DET
fsr-3902	91	5	secondary	secondary	ADJ
fsr-3902	91	6	instructor	instructor	NOUN
fsr-3902	91	7	in	in	ADP
fsr-3902	91	8	the	the	DET
fsr-3902	91	9	course	course	NOUN
fsr-3902	91	10	in	in	ADP
fsr-3902	91	11	that	that	SCONJ
fsr-3902	91	12	it	it	PRON
fsr-3902	91	13	reinforces	reinforce	VERB
fsr-3902	91	14	what	what	PRON
fsr-3902	91	15	the	the	DET
fsr-3902	91	16	professor	professor	NOUN
fsr-3902	91	17	is	be	AUX
fsr-3902	91	18	saying	say	VERB
fsr-3902	91	19	,	,	PUNCT
fsr-3902	91	20	and	and	CCONJ
fsr-3902	91	21	sometimes	sometimes	ADV
fsr-3902	91	22	gives	give	VERB
fsr-3902	91	23	the	the	DET
fsr-3902	91	24	professor	professor	NOUN
fsr-3902	91	25	someone	someone	PRON
fsr-3902	91	26	to	to	PART
fsr-3902	91	27	play	play	VERB
fsr-3902	91	28	off	off	ADP
fsr-3902	91	29	of	of	ADP
fsr-3902	91	30	.	.	PUNCT
fsr-3902	92	1	if	if	SCONJ
fsr-3902	92	2	the	the	DET
fsr-3902	92	3	ideal	ideal	NOUN
fsr-3902	92	4	is	be	AUX
fsr-3902	92	5	not	not	PART
fsr-3902	92	6	possible	possible	ADJ
fsr-3902	92	7	due	due	ADJ
fsr-3902	92	8	to	to	ADP
fsr-3902	92	9	economic	economic	ADJ
fsr-3902	92	10	incentives	incentive	NOUN
fsr-3902	92	11	,	,	PUNCT
fsr-3902	92	12	then	then	ADV
fsr-3902	92	13	let	let	VERB
fsr-3902	92	14	us	we	PRON
fsr-3902	92	15	consider	consider	VERB
fsr-3902	92	16	situations	situation	NOUN
fsr-3902	92	17	that	that	PRON
fsr-3902	92	18	might	might	AUX
fsr-3902	92	19	be	be	AUX
fsr-3902	92	20	just	just	ADV
fsr-3902	92	21	short	short	ADJ
fsr-3902	92	22	of	of	ADP
fsr-3902	92	23	the	the	DET
fsr-3902	92	24	ideal	ideal	NOUN
fsr-3902	92	25	.	.	PUNCT
fsr-3902	93	1	for	for	ADP
fsr-3902	93	2	example	example	NOUN
fsr-3902	93	3	,	,	PUNCT
fsr-3902	93	4	one	one	NUM
fsr-3902	93	5	person	person	NOUN
fsr-3902	93	6	could	could	AUX
fsr-3902	93	7	put	put	VERB
fsr-3902	93	8	together	together	ADV
fsr-3902	93	9	this	this	DET
fsr-3902	93	10	course	course	NOUN
fsr-3902	93	11	and	and	CCONJ
fsr-3902	93	12	“	"	PUNCT
fsr-3902	93	13	publish	publish	VERB
fsr-3902	93	14	”	"	PUNCT
fsr-3902	93	15	it	it	PRON
fsr-3902	93	16	for	for	SCONJ
fsr-3902	93	17	all	all	PRON
fsr-3902	93	18	to	to	PART
fsr-3902	93	19	use	use	VERB
fsr-3902	93	20	.	.	PUNCT
fsr-3902	94	1	the	the	DET
fsr-3902	94	2	word	word	NOUN
fsr-3902	94	3	publish	publish	NOUN
fsr-3902	94	4	is	be	AUX
fsr-3902	94	5	in	in	ADP
fsr-3902	94	6	quotes	quote	NOUN
fsr-3902	94	7	because	because	SCONJ
fsr-3902	94	8	in	in	ADP
fsr-3902	94	9	the	the	DET
fsr-3902	94	10	internet	internet	NOUN
fsr-3902	94	11	world	world	NOUN
fsr-3902	94	12	,	,	PUNCT
fsr-3902	94	13	publishing	publish	VERB
fsr-3902	94	14	only	only	ADV
fsr-3902	94	15	means	mean	VERB
fsr-3902	94	16	providing	provide	VERB
fsr-3902	94	17	one	one	PRON
fsr-3902	94	18	’s	’s	PART
fsr-3902	94	19	url	url	NOUN
fsr-3902	94	20	to	to	ADP
fsr-3902	94	21	others	other	NOUN
fsr-3902	94	22	.	.	PUNCT
fsr-3902	95	1	in	in	ADP
fsr-3902	95	2	fact	fact	NOUN
fsr-3902	95	3	,	,	PUNCT
fsr-3902	95	4	because	because	SCONJ
fsr-3902	95	5	of	of	ADP
fsr-3902	95	6	the	the	DET
fsr-3902	95	7	ability	ability	NOUN
fsr-3902	95	8	of	of	ADP
fsr-3902	95	9	the	the	DET
fsr-3902	95	10	commercial	commercial	ADJ
fsr-3902	95	11	search	search	NOUN
fsr-3902	95	12	engines	engine	NOUN
fsr-3902	95	13	to	to	PART
fsr-3902	95	14	find	find	VERB
fsr-3902	95	15	and	and	CCONJ
fsr-3902	95	16	document	document	VERB
fsr-3902	95	17	anything	anything	PRON
fsr-3902	95	18	that	that	PRON
fsr-3902	95	19	are	be	AUX
fsr-3902	95	20	uploaded	upload	VERB
fsr-3902	95	21	on	on	ADP
fsr-3902	95	22	the	the	DET
fsr-3902	95	23	internet	internet	NOUN
fsr-3902	95	24	,	,	PUNCT
fsr-3902	95	25	publishing	publish	VERB
fsr-3902	95	26	almost	almost	ADV
fsr-3902	95	27	means	mean	VERB
fsr-3902	95	28	simply	simply	ADV
fsr-3902	95	29	uploading	upload	VERB
fsr-3902	95	30	a	a	DET
fsr-3902	95	31	web	web	NOUN
fsr-3902	95	32	page	page	NOUN
fsr-3902	95	33	to	to	ADP
fsr-3902	95	34	the	the	DET
fsr-3902	95	35	internet	internet	NOUN
fsr-3902	95	36	.	.	PUNCT
fsr-3902	96	1	the	the	DET
fsr-3902	96	2	answer	answer	NOUN
fsr-3902	96	3	to	to	ADP
fsr-3902	96	4	the	the	DET
fsr-3902	96	5	question	question	NOUN
fsr-3902	96	6	of	of	ADP
fsr-3902	96	7	why	why	SCONJ
fsr-3902	96	8	we	we	PRON
fsr-3902	96	9	do	do	AUX
fsr-3902	96	10	n’t	not	PART
fsr-3902	96	11	observe	observe	VERB
fsr-3902	96	12	this	this	DET
fsr-3902	96	13	nearly	nearly	ADV
fsr-3902	96	14	ideal	ideal	ADJ
fsr-3902	96	15	text	text	NOUN
fsr-3902	96	16	is	be	AUX
fsr-3902	96	17	,	,	PUNCT
fsr-3902	96	18	again	again	ADV
fsr-3902	96	19	,	,	PUNCT
fsr-3902	96	20	the	the	DET
fsr-3902	96	21	economics	economic	NOUN
fsr-3902	96	22	of	of	ADP
fsr-3902	96	23	the	the	DET
fsr-3902	96	24	situation	situation	NOUN
fsr-3902	96	25	.	.	PUNCT
fsr-3902	97	1	with	with	ADP
fsr-3902	97	2	free	free	ADJ
fsr-3902	97	3	distribution	distribution	NOUN
fsr-3902	97	4	of	of	ADP
fsr-3902	97	5	a	a	DET
fsr-3902	97	6	textbook	textbook	NOUN
fsr-3902	97	7	,	,	PUNCT
fsr-3902	97	8	there	there	PRON
fsr-3902	97	9	is	be	VERB
fsr-3902	97	10	little	little	ADJ
fsr-3902	97	11	incentive	incentive	NOUN
fsr-3902	97	12	for	for	SCONJ
fsr-3902	97	13	anyone	anyone	PRON
fsr-3902	97	14	to	to	PART
fsr-3902	97	15	undertake	undertake	VERB
fsr-3902	97	16	an	an	DET
fsr-3902	97	17	effort	effort	NOUN
fsr-3902	97	18	equivalent	equivalent	ADJ
fsr-3902	97	19	to	to	ADP
fsr-3902	97	20	writing	write	VERB
fsr-3902	97	21	a	a	DET
fsr-3902	97	22	full	full	ADJ
fsr-3902	97	23	-	-	PUNCT
fsr-3902	97	24	length	length	NOUN
fsr-3902	97	25	text	text	NOUN
fsr-3902	97	26	.	.	PUNCT
fsr-3902	98	1	this	this	DET
fsr-3902	98	2	last	last	ADJ
fsr-3902	98	3	drawback	drawback	NOUN
fsr-3902	98	4	can	can	AUX
fsr-3902	98	5	be	be	AUX
fsr-3902	98	6	overcome	overcome	VERB
fsr-3902	98	7	in	in	ADP
fsr-3902	98	8	a	a	DET
fsr-3902	98	9	couple	couple	NOUN
fsr-3902	98	10	of	of	ADP
fsr-3902	98	11	different	different	ADJ
fsr-3902	98	12	ways	way	NOUN
fsr-3902	98	13	.	.	PUNCT
fsr-3902	99	1	one	one	NUM
fsr-3902	99	2	is	be	AUX
fsr-3902	99	3	to	to	PART
fsr-3902	99	4	make	make	VERB
fsr-3902	99	5	the	the	DET
fsr-3902	99	6	on	on	ADP
fsr-3902	99	7	-	-	PUNCT
fsr-3902	99	8	line	line	NOUN
fsr-3902	99	9	text	text	NOUN
fsr-3902	99	10	a	a	DET
fsr-3902	99	11	pay	pay	NOUN
fsr-3902	99	12	site	site	NOUN
fsr-3902	99	13	.	.	PUNCT
fsr-3902	100	1	that	that	DET
fsr-3902	100	2	pay	pay	VERB
fsr-3902	100	3	sites	site	NOUN
fsr-3902	100	4	can	can	AUX
fsr-3902	100	5	be	be	AUX
fsr-3902	100	6	successful	successful	ADJ
fsr-3902	101	1	has	have	AUX
fsr-3902	101	2	been	be	AUX
fsr-3902	101	3	demonstrated	demonstrate	VERB
fsr-3902	101	4	by	by	ADP
fsr-3902	101	5	the	the	DET
fsr-3902	101	6	proliferation	proliferation	NOUN
fsr-3902	101	7	of	of	ADP
fsr-3902	101	8	adult	adult	NOUN
fsr-3902	101	9	sites	site	NOUN
fsr-3902	101	10	on	on	ADP
fsr-3902	101	11	the	the	DET
fsr-3902	101	12	internet	internet	NOUN
fsr-3902	101	13	.	.	PUNCT
fsr-3902	102	1	(	(	PUNCT
fsr-3902	102	2	of	of	ADP
fsr-3902	102	3	course	course	NOUN
fsr-3902	102	4	,	,	PUNCT
fsr-3902	102	5	this	this	DET
fsr-3902	102	6	observation	observation	NOUN
fsr-3902	102	7	about	about	ADP
fsr-3902	102	8	adult	adult	NOUN
fsr-3902	102	9	sites	site	NOUN
fsr-3902	102	10	is	be	AUX
fsr-3902	102	11	based	base	VERB
fsr-3902	102	12	on	on	ADP
fsr-3902	102	13	what	what	PRON
fsr-3902	102	14	the	the	DET
fsr-3902	102	15	author	author	NOUN
fsr-3902	102	16	has	have	AUX
fsr-3902	102	17	read	read	VERB
fsr-3902	102	18	and	and	CCONJ
fsr-3902	102	19	heard	hear	VERB
fsr-3902	102	20	and	and	CCONJ
fsr-3902	102	21	not	not	PART
fsr-3902	102	22	personal	personal	ADJ
fsr-3902	102	23	observation	observation	NOUN
fsr-3902	102	24	.	.	PUNCT
fsr-3902	102	25	)	)	PUNCT
fsr-3902	103	1	this	this	DET
fsr-3902	103	2	approach	approach	NOUN
fsr-3902	103	3	has	have	VERB
fsr-3902	103	4	several	several	ADJ
fsr-3902	103	5	problems	problem	NOUN
fsr-3902	103	6	.	.	PUNCT
fsr-3902	104	1	one	one	NUM
fsr-3902	104	2	is	be	AUX
fsr-3902	104	3	students	student	NOUN
fsr-3902	104	4	could	could	AUX
fsr-3902	104	5	easily	easily	ADV
fsr-3902	104	6	share	share	VERB
fsr-3902	104	7	the	the	DET
fsr-3902	104	8	cost	cost	NOUN
fsr-3902	104	9	of	of	ADP
fsr-3902	104	10	a	a	DET
fsr-3902	104	11	text	text	NOUN
fsr-3902	104	12	.	.	PUNCT
fsr-3902	105	1	thus	thus	ADV
fsr-3902	105	2	,	,	PUNCT
fsr-3902	105	3	five	five	NUM
fsr-3902	105	4	people	people	NOUN
fsr-3902	105	5	could	could	AUX
fsr-3902	105	6	share	share	VERB
fsr-3902	105	7	the	the	DET
fsr-3902	105	8	cost	cost	NOUN
fsr-3902	105	9	of	of	ADP
fsr-3902	105	10	the	the	DET
fsr-3902	105	11	site	site	NOUN
fsr-3902	105	12	registration	registration	NOUN
fsr-3902	105	13	,	,	PUNCT
fsr-3902	105	14	and	and	CCONJ
fsr-3902	105	15	then	then	ADV
fsr-3902	105	16	all	all	PRON
fsr-3902	105	17	share	share	VERB
fsr-3902	105	18	in	in	ADP
fsr-3902	105	19	the	the	DET
fsr-3902	105	20	password	password	NOUN
fsr-3902	105	21	provided	provide	VERB
fsr-3902	105	22	.	.	PUNCT
fsr-3902	106	1	the	the	DET
fsr-3902	106	2	second	second	ADJ
fsr-3902	106	3	way	way	NOUN
fsr-3902	106	4	to	to	PART
fsr-3902	106	5	overcome	overcome	VERB
fsr-3902	106	6	the	the	DET
fsr-3902	106	7	economic	economic	ADJ
fsr-3902	106	8	incentive	incentive	NOUN
fsr-3902	106	9	problem	problem	NOUN
fsr-3902	106	10	is	be	AUX
fsr-3902	106	11	to	to	PART
fsr-3902	106	12	publish	publish	VERB
fsr-3902	106	13	a	a	DET
fsr-3902	106	14	booklet	booklet	NOUN
fsr-3902	106	15	that	that	PRON
fsr-3902	106	16	contains	contain	VERB
fsr-3902	106	17	all	all	PRON
fsr-3902	106	18	of	of	ADP
fsr-3902	106	19	the	the	DET
fsr-3902	106	20	introductory	introductory	ADJ
fsr-3902	106	21	and	and	CCONJ
fsr-3902	106	22	connecting	connect	VERB
fsr-3902	106	23	material	material	NOUN
fsr-3902	106	24	as	as	ADV
fsr-3902	106	25	well	well	ADV
fsr-3902	106	26	as	as	ADP
fsr-3902	106	27	the	the	DET
fsr-3902	106	28	end	end	NOUN
fsr-3902	106	29	of	of	ADP
fsr-3902	106	30	chapter	chapter	NOUN
fsr-3902	106	31	material	material	NOUN
fsr-3902	106	32	.	.	PUNCT
fsr-3902	107	1	in	in	ADP
fsr-3902	107	2	other	other	ADJ
fsr-3902	107	3	words	word	NOUN
fsr-3902	107	4	,	,	PUNCT
fsr-3902	107	5	a	a	DET
fsr-3902	107	6	typical	typical	ADJ
fsr-3902	107	7	chapter	chapter	NOUN
fsr-3902	107	8	in	in	ADP
fsr-3902	107	9	a	a	DET
fsr-3902	107	10	textbook	textbook	NOUN
fsr-3902	107	11	today	today	NOUN
fsr-3902	107	12	that	that	PRON
fsr-3902	107	13	has	have	VERB
fsr-3902	107	14	25	25	NUM
fsr-3902	107	15	pages	page	NOUN
fsr-3902	107	16	or	or	CCONJ
fsr-3902	107	17	so	so	ADV
fsr-3902	107	18	of	of	ADP
fsr-3902	107	19	text	text	NOUN
fsr-3902	107	20	and	and	CCONJ
fsr-3902	107	21	five	five	NUM
fsr-3902	107	22	308	308	NUM
fsr-3902	107	23	w.	w.	NOUN
fsr-3902	107	24	woerheide	woerheide	PROPN
fsr-3902	107	25	/	/	SYM
fsr-3902	107	26	financial	financial	ADJ
fsr-3902	107	27	services	service	NOUN
fsr-3902	107	28	review	review	VERB
fsr-3902	107	29	8	8	NUM
fsr-3902	107	30	(	(	PUNCT
fsr-3902	107	31	1999	1999	NUM
fsr-3902	107	32	)	)	PUNCT
fsr-3902	107	33	305–317	305–317	NUM
fsr-3902	107	34	pages	page	NOUN
fsr-3902	107	35	of	of	ADP
fsr-3902	107	36	end	end	NOUN
fsr-3902	107	37	of	of	ADP
fsr-3902	107	38	chapter	chapter	NOUN
fsr-3902	107	39	material	material	NOUN
fsr-3902	107	40	,	,	PUNCT
fsr-3902	107	41	could	could	AUX
fsr-3902	107	42	be	be	AUX
fsr-3902	107	43	replaced	replace	VERB
fsr-3902	107	44	with	with	ADP
fsr-3902	107	45	a	a	DET
fsr-3902	107	46	chapter	chapter	NOUN
fsr-3902	107	47	that	that	PRON
fsr-3902	107	48	runs	run	VERB
fsr-3902	107	49	for	for	ADP
fsr-3902	107	50	five	five	NUM
fsr-3902	107	51	pages	page	NOUN
fsr-3902	107	52	,	,	PUNCT
fsr-3902	107	53	and	and	CCONJ
fsr-3902	107	54	has	have	VERB
fsr-3902	107	55	two	two	NUM
fsr-3902	107	56	pages	page	NOUN
fsr-3902	107	57	of	of	ADP
fsr-3902	107	58	end	end	NOUN
fsr-3902	107	59	of	of	ADP
fsr-3902	107	60	chapter	chapter	NOUN
fsr-3902	107	61	material	material	NOUN
fsr-3902	107	62	.	.	PUNCT
fsr-3902	108	1	thus	thus	ADV
fsr-3902	108	2	,	,	PUNCT
fsr-3902	108	3	the	the	DET
fsr-3902	108	4	author	author	NOUN
fsr-3902	108	5	would	would	AUX
fsr-3902	108	6	now	now	ADV
fsr-3902	108	7	be	be	AUX
fsr-3902	108	8	able	able	ADJ
fsr-3902	108	9	to	to	PART
fsr-3902	108	10	participate	participate	VERB
fsr-3902	108	11	in	in	ADP
fsr-3902	108	12	the	the	DET
fsr-3902	108	13	royalties	royalty	NOUN
fsr-3902	108	14	from	from	ADP
fsr-3902	108	15	the	the	DET
fsr-3902	108	16	sale	sale	NOUN
fsr-3902	108	17	of	of	ADP
fsr-3902	108	18	a	a	DET
fsr-3902	108	19	book	book	NOUN
fsr-3902	108	20	.	.	PUNCT
fsr-3902	109	1	in	in	ADP
fsr-3902	109	2	fact	fact	NOUN
fsr-3902	109	3	,	,	PUNCT
fsr-3902	109	4	such	such	DET
fsr-3902	109	5	a	a	DET
fsr-3902	109	6	booklet	booklet	NOUN
fsr-3902	109	7	could	could	AUX
fsr-3902	109	8	contain	contain	VERB
fsr-3902	109	9	the	the	DET
fsr-3902	109	10	urls	url	NOUN
fsr-3902	109	11	for	for	ADP
fsr-3902	109	12	at	at	ADP
fsr-3902	109	13	least	least	ADJ
fsr-3902	109	14	some	some	PRON
fsr-3902	109	15	of	of	ADP
fsr-3902	109	16	the	the	DET
fsr-3902	109	17	sites	site	NOUN
fsr-3902	109	18	that	that	PRON
fsr-3902	109	19	are	be	AUX
fsr-3902	109	20	key	key	ADJ
fsr-3902	109	21	to	to	ADP
fsr-3902	109	22	each	each	DET
fsr-3902	109	23	chapter	chapter	NOUN
fsr-3902	109	24	,	,	PUNCT
fsr-3902	109	25	rather	rather	ADV
fsr-3902	109	26	than	than	ADP
fsr-3902	109	27	having	have	VERB
fsr-3902	109	28	all	all	PRON
fsr-3902	109	29	of	of	ADP
fsr-3902	109	30	the	the	DET
fsr-3902	109	31	sites	site	NOUN
fsr-3902	109	32	reached	reach	VERB
fsr-3902	109	33	through	through	ADP
fsr-3902	109	34	a	a	DET
fsr-3902	109	35	textbook	textbook	NOUN
fsr-3902	109	36	home	home	NOUN
fsr-3902	109	37	page	page	NOUN
fsr-3902	109	38	.	.	PUNCT
fsr-3902	110	1	the	the	DET
fsr-3902	110	2	obsolescence	obsolescence	NOUN
fsr-3902	110	3	factor	factor	NOUN
fsr-3902	110	4	could	could	AUX
fsr-3902	110	5	be	be	AUX
fsr-3902	110	6	dealt	deal	VERB
fsr-3902	110	7	with	with	ADP
fsr-3902	110	8	through	through	ADP
fsr-3902	110	9	an	an	DET
fsr-3902	110	10	erratum	erratum	NOUN
fsr-3902	110	11	on	on	ADP
fsr-3902	110	12	the	the	DET
fsr-3902	110	13	internet	internet	NOUN
fsr-3902	110	14	.	.	PUNCT
fsr-3902	111	1	because	because	SCONJ
fsr-3902	111	2	the	the	DET
fsr-3902	111	3	erratum	erratum	NOUN
fsr-3902	111	4	is	be	AUX
fsr-3902	111	5	cumbersome	cumbersome	ADJ
fsr-3902	111	6	,	,	PUNCT
fsr-3902	111	7	it	it	PRON
fsr-3902	111	8	would	would	AUX
fsr-3902	111	9	be	be	AUX
fsr-3902	111	10	appropriate	appropriate	ADJ
fsr-3902	111	11	to	to	PART
fsr-3902	111	12	update	update	VERB
fsr-3902	111	13	the	the	DET
fsr-3902	111	14	booklet	booklet	NOUN
fsr-3902	111	15	on	on	ADP
fsr-3902	111	16	an	an	DET
fsr-3902	111	17	annual	annual	ADJ
fsr-3902	111	18	basis	basis	NOUN
fsr-3902	111	19	.	.	PUNCT
fsr-3902	112	1	thus	thus	ADV
fsr-3902	112	2	,	,	PUNCT
fsr-3902	112	3	although	although	SCONJ
fsr-3902	112	4	the	the	DET
fsr-3902	112	5	booklet	booklet	NOUN
fsr-3902	112	6	would	would	AUX
fsr-3902	112	7	have	have	VERB
fsr-3902	112	8	a	a	DET
fsr-3902	112	9	smaller	small	ADJ
fsr-3902	112	10	royalty	royalty	NOUN
fsr-3902	112	11	than	than	ADP
fsr-3902	112	12	a	a	DET
fsr-3902	112	13	full	full	ADJ
fsr-3902	112	14	-	-	PUNCT
fsr-3902	112	15	length	length	NOUN
fsr-3902	112	16	text	text	NOUN
fsr-3902	112	17	,	,	PUNCT
fsr-3902	112	18	the	the	DET
fsr-3902	112	19	smaller	small	ADJ
fsr-3902	112	20	royalty	royalty	NOUN
fsr-3902	112	21	would	would	AUX
fsr-3902	112	22	be	be	AUX
fsr-3902	112	23	offset	offset	VERB
fsr-3902	112	24	by	by	ADP
fsr-3902	112	25	the	the	DET
fsr-3902	112	26	fact	fact	NOUN
fsr-3902	112	27	that	that	SCONJ
fsr-3902	112	28	there	there	PRON
fsr-3902	112	29	would	would	AUX
fsr-3902	112	30	be	be	AUX
fsr-3902	112	31	little	little	ADJ
fsr-3902	112	32	in	in	ADP
fsr-3902	112	33	the	the	DET
fsr-3902	112	34	way	way	NOUN
fsr-3902	112	35	of	of	ADP
fsr-3902	112	36	a	a	DET
fsr-3902	112	37	secondary	secondary	ADJ
fsr-3902	112	38	market	market	NOUN
fsr-3902	112	39	for	for	ADP
fsr-3902	112	40	such	such	DET
fsr-3902	112	41	a	a	DET
fsr-3902	112	42	booklet	booklet	NOUN
fsr-3902	112	43	,	,	PUNCT
fsr-3902	112	44	and	and	CCONJ
fsr-3902	112	45	a	a	DET
fsr-3902	112	46	new	new	ADJ
fsr-3902	112	47	edition	edition	NOUN
fsr-3902	112	48	could	could	AUX
fsr-3902	112	49	be	be	AUX
fsr-3902	112	50	sold	sell	VERB
fsr-3902	112	51	every	every	DET
fsr-3902	112	52	year	year	NOUN
fsr-3902	112	53	.	.	PUNCT
fsr-3902	113	1	even	even	ADV
fsr-3902	113	2	if	if	SCONJ
fsr-3902	113	3	a	a	DET
fsr-3902	113	4	way	way	NOUN
fsr-3902	113	5	is	be	AUX
fsr-3902	113	6	found	find	VERB
fsr-3902	113	7	to	to	PART
fsr-3902	113	8	effectively	effectively	ADV
fsr-3902	113	9	publish	publish	VERB
fsr-3902	113	10	the	the	DET
fsr-3902	113	11	book	book	NOUN
fsr-3902	113	12	described	describe	VERB
fsr-3902	113	13	above	above	ADV
fsr-3902	113	14	,	,	PUNCT
fsr-3902	113	15	there	there	PRON
fsr-3902	113	16	would	would	AUX
fsr-3902	113	17	still	still	ADV
fsr-3902	113	18	be	be	AUX
fsr-3902	113	19	problems	problem	NOUN
fsr-3902	113	20	in	in	ADP
fsr-3902	113	21	getting	get	VERB
fsr-3902	113	22	people	people	NOUN
fsr-3902	113	23	to	to	PART
fsr-3902	113	24	adopt	adopt	VERB
fsr-3902	113	25	such	such	DET
fsr-3902	113	26	a	a	DET
fsr-3902	113	27	book	book	NOUN
fsr-3902	113	28	(	(	PUNCT
fsr-3902	113	29	whether	whether	SCONJ
fsr-3902	113	30	it	it	PRON
fsr-3902	113	31	is	be	AUX
fsr-3902	113	32	an	an	DET
fsr-3902	113	33	on	on	ADP
fsr-3902	113	34	-	-	PUNCT
fsr-3902	113	35	line	line	NOUN
fsr-3902	113	36	pay	pay	NOUN
fsr-3902	113	37	-	-	PUNCT
fsr-3902	113	38	site	site	NOUN
fsr-3902	113	39	book	book	NOUN
fsr-3902	113	40	,	,	PUNCT
fsr-3902	113	41	a	a	DET
fsr-3902	113	42	booklet	booklet	NOUN
fsr-3902	113	43	that	that	PRON
fsr-3902	113	44	links	link	VERB
fsr-3902	113	45	to	to	ADP
fsr-3902	113	46	a	a	DET
fsr-3902	113	47	web	web	NOUN
fsr-3902	113	48	site	site	NOUN
fsr-3902	113	49	,	,	PUNCT
fsr-3902	113	50	or	or	CCONJ
fsr-3902	113	51	a	a	DET
fsr-3902	113	52	booklet	booklet	NOUN
fsr-3902	113	53	with	with	ADP
fsr-3902	113	54	lots	lot	NOUN
fsr-3902	113	55	of	of	ADP
fsr-3902	113	56	sites	site	NOUN
fsr-3902	113	57	listed	list	VERB
fsr-3902	113	58	)	)	PUNCT
fsr-3902	113	59	.	.	PUNCT
fsr-3902	114	1	the	the	DET
fsr-3902	114	2	most	most	ADV
fsr-3902	114	3	significant	significant	ADJ
fsr-3902	114	4	problem	problem	NOUN
fsr-3902	114	5	is	be	AUX
fsr-3902	114	6	that	that	SCONJ
fsr-3902	114	7	an	an	DET
fsr-3902	114	8	adopting	adopt	VERB
fsr-3902	114	9	instructor	instructor	NOUN
fsr-3902	114	10	would	would	AUX
fsr-3902	114	11	have	have	VERB
fsr-3902	114	12	to	to	PART
fsr-3902	114	13	check	check	VERB
fsr-3902	114	14	out	out	ADP
fsr-3902	114	15	many	many	ADJ
fsr-3902	114	16	of	of	ADP
fsr-3902	114	17	the	the	DET
fsr-3902	114	18	sites	site	NOUN
fsr-3902	114	19	in	in	ADP
fsr-3902	114	20	order	order	NOUN
fsr-3902	114	21	to	to	PART
fsr-3902	114	22	know	know	VERB
fsr-3902	114	23	how	how	SCONJ
fsr-3902	114	24	to	to	PART
fsr-3902	114	25	use	use	VERB
fsr-3902	114	26	each	each	DET
fsr-3902	114	27	one	one	NOUN
fsr-3902	114	28	.	.	PUNCT
fsr-3902	115	1	two	two	NUM
fsr-3902	115	2	other	other	ADJ
fsr-3902	115	3	problems	problem	NOUN
fsr-3902	115	4	are	be	AUX
fsr-3902	115	5	that	that	SCONJ
fsr-3902	115	6	web	web	NOUN
fsr-3902	115	7	addresses	address	NOUN
fsr-3902	115	8	have	have	VERB
fsr-3902	115	9	an	an	DET
fsr-3902	115	10	obsolescence	obsolescence	NOUN
fsr-3902	115	11	factor	factor	NOUN
fsr-3902	115	12	(	(	PUNCT
fsr-3902	115	13	as	as	SCONJ
fsr-3902	115	14	previously	previously	ADV
fsr-3902	115	15	mentioned	mention	VERB
fsr-3902	115	16	)	)	PUNCT
fsr-3902	115	17	and	and	CCONJ
fsr-3902	115	18	an	an	DET
fsr-3902	115	19	availability	availability	NOUN
fsr-3902	115	20	factor	factor	NOUN
fsr-3902	115	21	.	.	PUNCT
fsr-3902	116	1	let	let	VERB
fsr-3902	116	2	us	we	PRON
fsr-3902	116	3	consider	consider	VERB
fsr-3902	116	4	each	each	PRON
fsr-3902	116	5	of	of	ADP
fsr-3902	116	6	these	these	DET
fsr-3902	116	7	problems	problem	NOUN
fsr-3902	116	8	.	.	PUNCT
fsr-3902	117	1	this	this	DET
fsr-3902	117	2	author	author	NOUN
fsr-3902	117	3	’s	’s	PART
fsr-3902	117	4	own	own	ADJ
fsr-3902	117	5	experience	experience	NOUN
fsr-3902	117	6	in	in	ADP
fsr-3902	117	7	doing	do	VERB
fsr-3902	117	8	web	web	NOUN
fsr-3902	117	9	-	-	ADJ
fsr-3902	117	10	related	relate	VERB
fsr-3902	117	11	writing	writing	NOUN
fsr-3902	117	12	in	in	ADP
fsr-3902	117	13	recent	recent	ADJ
fsr-3902	117	14	years	year	NOUN
fsr-3902	117	15	is	be	AUX
fsr-3902	117	16	that	that	SCONJ
fsr-3902	117	17	the	the	DET
fsr-3902	117	18	annualobsolescence	annualobsolescence	NOUN
fsr-3902	117	19	rate	rate	NOUN
fsr-3902	117	20	of	of	ADP
fsr-3902	117	21	web	web	NOUN
fsr-3902	117	22	addresses	address	NOUN
fsr-3902	117	23	is	be	AUX
fsr-3902	117	24	about	about	ADV
fsr-3902	117	25	40	40	NUM
fsr-3902	117	26	%	%	NOUN
fsr-3902	117	27	.	.	PUNCT
fsr-3902	118	1	this	this	DET
fsr-3902	118	2	40	40	NUM
fsr-3902	118	3	%	%	NOUN
fsr-3902	118	4	rate	rate	NOUN
fsr-3902	118	5	merits	merit	VERB
fsr-3902	118	6	additional	additional	ADJ
fsr-3902	118	7	comments	comment	NOUN
fsr-3902	118	8	.	.	PUNCT
fsr-3902	119	1	first	first	ADV
fsr-3902	119	2	,	,	PUNCT
fsr-3902	119	3	if	if	SCONJ
fsr-3902	119	4	one	one	NUM
fsr-3902	119	5	sticks	stick	NOUN
fsr-3902	119	6	to	to	PART
fsr-3902	119	7	thehome	thehome	VERB
fsr-3902	119	8	pageaddress	pageaddress	NOUN
fsr-3902	119	9	of	of	ADP
fsr-3902	119	10	large	large	ADJ
fsr-3902	119	11	,	,	PUNCT
fsr-3902	119	12	established	establish	VERB
fsr-3902	119	13	organizations	organization	NOUN
fsr-3902	119	14	(	(	PUNCT
fsr-3902	119	15	e.g.	e.g.	ADV
fsr-3902	119	16	,	,	PUNCT
fsr-3902	119	17	www.ssa.gov	www.ssa.gov	NOUN
fsr-3902	119	18	,	,	PUNCT
fsr-3902	119	19	www.schwab.com	www.schwab.com	NOUN
fsr-3902	119	20	,	,	PUNCT
fsr-3902	119	21	and	and	CCONJ
fsr-3902	119	22	www.aaii.org	www.aaii.org	NOUN
fsr-3902	119	23	)	)	PUNCT
fsr-3902	119	24	,	,	PUNCT
fsr-3902	119	25	then	then	ADV
fsr-3902	119	26	the	the	DET
fsr-3902	119	27	obsolescence	obsolescence	NOUN
fsr-3902	119	28	rate	rate	NOUN
fsr-3902	119	29	is	be	AUX
fsr-3902	119	30	at	at	ADP
fsr-3902	119	31	most	most	ADV
fsr-3902	119	32	a	a	DET
fsr-3902	119	33	few	few	ADJ
fsr-3902	119	34	percentage	percentage	NOUN
fsr-3902	119	35	points	point	NOUN
fsr-3902	119	36	.	.	PUNCT
fsr-3902	120	1	if	if	SCONJ
fsr-3902	120	2	one	one	PRON
fsr-3902	120	3	uses	use	VERB
fsr-3902	120	4	detailed	detailed	ADJ
fsr-3902	120	5	addresses	address	NOUN
fsr-3902	120	6	within	within	ADP
fsr-3902	120	7	established	establish	VERB
fsr-3902	120	8	organizations	organization	NOUN
fsr-3902	120	9	(	(	PUNCT
fsr-3902	120	10	such	such	ADJ
fsr-3902	120	11	as	as	ADP
fsr-3902	120	12	a	a	DET
fsr-3902	120	13	page	page	NOUN
fsr-3902	120	14	requiring	require	VERB
fsr-3902	120	15	four	four	NUM
fsr-3902	120	16	links	link	NOUN
fsr-3902	120	17	from	from	ADP
fsr-3902	120	18	the	the	DET
fsr-3902	120	19	home	home	NOUN
fsr-3902	120	20	page	page	NOUN
fsr-3902	120	21	to	to	PART
fsr-3902	120	22	arrive	arrive	VERB
fsr-3902	120	23	at	at	ADP
fsr-3902	120	24	)	)	PUNCT
fsr-3902	120	25	,	,	PUNCT
fsr-3902	120	26	then	then	ADV
fsr-3902	120	27	the	the	DET
fsr-3902	120	28	obsolescence	obsolescence	NOUN
fsr-3902	120	29	rate	rate	NOUN
fsr-3902	120	30	may	may	AUX
fsr-3902	120	31	approach	approach	VERB
fsr-3902	120	32	ten	ten	NUM
fsr-3902	120	33	percent	percent	NOUN
fsr-3902	120	34	.	.	PUNCT
fsr-3902	121	1	in	in	ADP
fsr-3902	121	2	many	many	ADJ
fsr-3902	121	3	cases	case	NOUN
fsr-3902	121	4	the	the	DET
fsr-3902	121	5	page	page	NOUN
fsr-3902	121	6	is	be	AUX
fsr-3902	121	7	still	still	ADV
fsr-3902	121	8	there	there	ADV
fsr-3902	121	9	,	,	PUNCT
fsr-3902	121	10	it	it	PRON
fsr-3902	121	11	is	be	AUX
fsr-3902	121	12	just	just	ADV
fsr-3902	121	13	that	that	SCONJ
fsr-3902	121	14	the	the	DET
fsr-3902	121	15	details	detail	NOUN
fsr-3902	121	16	of	of	ADP
fsr-3902	121	17	the	the	DET
fsr-3902	121	18	direct	direct	ADJ
fsr-3902	121	19	address	address	NOUN
fsr-3902	121	20	may	may	AUX
fsr-3902	121	21	change	change	VERB
fsr-3902	121	22	.	.	PUNCT
fsr-3902	122	1	finally	finally	ADV
fsr-3902	122	2	,	,	PUNCT
fsr-3902	122	3	the	the	DET
fsr-3902	122	4	sites	site	NOUN
fsr-3902	122	5	provided	provide	VERB
fsr-3902	122	6	by	by	ADP
fsr-3902	122	7	individuals	individual	NOUN
fsr-3902	122	8	and	and	CCONJ
fsr-3902	122	9	small	small	ADJ
fsr-3902	122	10	firms	firm	NOUN
fsr-3902	122	11	(	(	PUNCT
fsr-3902	122	12	such	such	ADJ
fsr-3902	122	13	as	as	ADP
fsr-3902	122	14	a	a	DET
fsr-3902	122	15	law	law	NOUN
fsr-3902	122	16	or	or	CCONJ
fsr-3902	122	17	an	an	DET
fsr-3902	122	18	accounting	accounting	NOUN
fsr-3902	122	19	firm	firm	NOUN
fsr-3902	122	20	)	)	PUNCT
fsr-3902	122	21	will	will	AUX
fsr-3902	122	22	have	have	VERB
fsr-3902	122	23	an	an	DET
fsr-3902	122	24	attrition	attrition	NOUN
fsr-3902	122	25	rate	rate	NOUN
fsr-3902	122	26	of	of	ADP
fsr-3902	122	27	over	over	ADP
fsr-3902	122	28	50	50	NUM
fsr-3902	122	29	%	%	NOUN
fsr-3902	122	30	.	.	PUNCT
fsr-3902	123	1	it	it	PRON
fsr-3902	123	2	also	also	ADV
fsr-3902	123	3	appears	appear	VERB
fsr-3902	123	4	that	that	SCONJ
fsr-3902	123	5	the	the	DET
fsr-3902	123	6	attrition	attrition	NOUN
fsr-3902	123	7	rate	rate	NOUN
fsr-3902	123	8	for	for	ADP
fsr-3902	123	9	successful	successful	ADJ
fsr-3902	123	10	pages	page	NOUN
fsr-3902	123	11	is	be	AUX
fsr-3902	123	12	declining	decline	VERB
fsr-3902	123	13	.	.	PUNCT
fsr-3902	124	1	that	that	PRON
fsr-3902	124	2	is	be	AUX
fsr-3902	124	3	,	,	PUNCT
fsr-3902	124	4	web	web	NOUN
fsr-3902	124	5	pages	page	NOUN
fsr-3902	124	6	that	that	PRON
fsr-3902	124	7	have	have	AUX
fsr-3902	124	8	been	be	AUX
fsr-3902	124	9	successful	successful	ADJ
fsr-3902	124	10	in	in	ADP
fsr-3902	124	11	attracting	attract	VERB
fsr-3902	124	12	traffic	traffic	NOUN
fsr-3902	124	13	are	be	AUX
fsr-3902	124	14	more	more	ADV
fsr-3902	124	15	likely	likely	ADJ
fsr-3902	124	16	to	to	PART
fsr-3902	124	17	stay	stay	VERB
fsr-3902	124	18	.	.	PUNCT
fsr-3902	125	1	thus	thus	ADV
fsr-3902	125	2	,	,	PUNCT
fsr-3902	125	3	if	if	SCONJ
fsr-3902	125	4	a	a	DET
fsr-3902	125	5	person	person	NOUN
fsr-3902	125	6	identifies	identify	VERB
fsr-3902	125	7	say	say	VERB
fsr-3902	125	8	1,000	1,000	NUM
fsr-3902	125	9	sites	site	NOUN
fsr-3902	125	10	that	that	PRON
fsr-3902	125	11	are	be	AUX
fsr-3902	125	12	useful	useful	ADJ
fsr-3902	125	13	in	in	ADP
fsr-3902	125	14	a	a	DET
fsr-3902	125	15	personal	personal	ADJ
fsr-3902	125	16	finance	finance	NOUN
fsr-3902	125	17	course	course	NOUN
fsr-3902	125	18	,	,	PUNCT
fsr-3902	125	19	then	then	ADV
fsr-3902	125	20	one	one	NUM
fsr-3902	125	21	-	-	PUNCT
fsr-3902	125	22	year	year	NOUN
fsr-3902	125	23	later	later	ADV
fsr-3902	125	24	,	,	PUNCT
fsr-3902	125	25	maybe	maybe	ADV
fsr-3902	125	26	600	600	NUM
fsr-3902	125	27	of	of	ADP
fsr-3902	125	28	these	these	DET
fsr-3902	125	29	sites	site	NOUN
fsr-3902	125	30	would	would	AUX
fsr-3902	125	31	still	still	ADV
fsr-3902	125	32	be	be	AUX
fsr-3902	125	33	active	active	ADJ
fsr-3902	125	34	.	.	PUNCT
fsr-3902	126	1	however	however	ADV
fsr-3902	126	2	,	,	PUNCT
fsr-3902	126	3	two	two	NUM
fsr-3902	126	4	years	year	NOUN
fsr-3902	126	5	later	later	ADV
fsr-3902	126	6	,	,	PUNCT
fsr-3902	126	7	a	a	DET
fsr-3902	126	8	fairly	fairly	ADV
fsr-3902	126	9	high	high	ADJ
fsr-3902	126	10	portion	portion	NOUN
fsr-3902	126	11	of	of	ADP
fsr-3902	126	12	this	this	DET
fsr-3902	126	13	remaining	remain	VERB
fsr-3902	126	14	number	number	NOUN
fsr-3902	126	15	of	of	ADP
fsr-3902	126	16	sites	site	NOUN
fsr-3902	126	17	would	would	AUX
fsr-3902	126	18	still	still	ADV
fsr-3902	126	19	be	be	AUX
fsr-3902	126	20	active	active	ADJ
fsr-3902	126	21	.	.	PUNCT
fsr-3902	127	1	the	the	DET
fsr-3902	127	2	last	last	ADJ
fsr-3902	127	3	problem	problem	NOUN
fsr-3902	127	4	to	to	ADP
fsr-3902	127	5	adoption	adoption	NOUN
fsr-3902	127	6	is	be	AUX
fsr-3902	127	7	the	the	DET
fsr-3902	127	8	availability	availability	NOUN
fsr-3902	127	9	factor	factor	NOUN
fsr-3902	127	10	.	.	PUNCT
fsr-3902	128	1	servers	server	NOUN
fsr-3902	128	2	go	go	VERB
fsr-3902	128	3	down	down	ADV
fsr-3902	128	4	.	.	PUNCT
fsr-3902	129	1	no	no	DET
fsr-3902	129	2	one	one	NOUN
fsr-3902	129	3	likes	like	VERB
fsr-3902	129	4	to	to	PART
fsr-3902	129	5	be	be	AUX
fsr-3902	129	6	in	in	ADP
fsr-3902	129	7	front	front	NOUN
fsr-3902	129	8	of	of	ADP
fsr-3902	129	9	a	a	DET
fsr-3902	129	10	class	class	NOUN
fsr-3902	129	11	doing	do	VERB
fsr-3902	129	12	a	a	DET
fsr-3902	129	13	lecture	lecture	NOUN
fsr-3902	129	14	and	and	CCONJ
fsr-3902	129	15	dial	dial	VERB
fsr-3902	129	16	into	into	ADP
fsr-3902	129	17	a	a	DET
fsr-3902	129	18	web	web	NOUN
fsr-3902	129	19	site	site	NOUN
fsr-3902	129	20	only	only	ADV
fsr-3902	129	21	to	to	PART
fsr-3902	129	22	receive	receive	VERB
fsr-3902	129	23	a	a	DET
fsr-3902	129	24	notification	notification	NOUN
fsr-3902	129	25	that	that	PRON
fsr-3902	129	26	said	say	VERB
fsr-3902	129	27	site	site	NOUN
fsr-3902	129	28	is	be	AUX
fsr-3902	129	29	not	not	PART
fsr-3902	129	30	responding	respond	VERB
fsr-3902	129	31	at	at	ADP
fsr-3902	129	32	that	that	DET
fsr-3902	129	33	time	time	NOUN
fsr-3902	129	34	.	.	PUNCT
fsr-3902	130	1	similarly	similarly	ADV
fsr-3902	130	2	,	,	PUNCT
fsr-3902	130	3	it	it	PRON
fsr-3902	130	4	would	would	AUX
fsr-3902	130	5	be	be	AUX
fsr-3902	130	6	frustrating	frustrating	ADJ
fsr-3902	130	7	to	to	ADP
fsr-3902	130	8	a	a	DET
fsr-3902	130	9	student	student	NOUN
fsr-3902	130	10	to	to	PART
fsr-3902	130	11	be	be	AUX
fsr-3902	130	12	reading	read	VERB
fsr-3902	130	13	a	a	DET
fsr-3902	130	14	text	text	NOUN
fsr-3902	130	15	and	and	CCONJ
fsr-3902	130	16	needing	need	VERB
fsr-3902	130	17	to	to	PART
fsr-3902	130	18	go	go	VERB
fsr-3902	130	19	to	to	ADP
fsr-3902	130	20	a	a	DET
fsr-3902	130	21	particular	particular	ADJ
fsr-3902	130	22	site	site	NOUN
fsr-3902	130	23	,	,	PUNCT
fsr-3902	130	24	only	only	ADV
fsr-3902	130	25	to	to	PART
fsr-3902	130	26	find	find	VERB
fsr-3902	130	27	that	that	DET
fsr-3902	130	28	site	site	NOUN
fsr-3902	130	29	is	be	AUX
fsr-3902	130	30	not	not	PART
fsr-3902	130	31	currently	currently	ADV
fsr-3902	130	32	available	available	ADJ
fsr-3902	130	33	.	.	PUNCT
fsr-3902	131	1	there	there	PRON
fsr-3902	131	2	are	be	VERB
fsr-3902	131	3	two	two	NUM
fsr-3902	131	4	solutions	solution	NOUN
fsr-3902	131	5	to	to	ADP
fsr-3902	131	6	the	the	DET
fsr-3902	131	7	availability	availability	NOUN
fsr-3902	131	8	problem	problem	NOUN
fsr-3902	131	9	.	.	PUNCT
fsr-3902	132	1	one	one	NUM
fsr-3902	132	2	is	be	AUX
fsr-3902	132	3	to	to	PART
fsr-3902	132	4	have	have	VERB
fsr-3902	132	5	a	a	DET
fsr-3902	132	6	back	back	VERB
fsr-3902	132	7	-	-	PUNCT
fsr-3902	132	8	up	up	ADP
fsr-3902	132	9	site	site	NOUN
fsr-3902	132	10	available	available	ADJ
fsr-3902	132	11	.	.	PUNCT
fsr-3902	133	1	for	for	ADP
fsr-3902	133	2	many	many	ADJ
fsr-3902	133	3	topics	topic	NOUN
fsr-3902	133	4	and	and	CCONJ
fsr-3902	133	5	calculators	calculator	NOUN
fsr-3902	133	6	,	,	PUNCT
fsr-3902	133	7	there	there	PRON
fsr-3902	133	8	is	be	VERB
fsr-3902	133	9	more	more	ADJ
fsr-3902	133	10	than	than	ADP
fsr-3902	133	11	one	one	NUM
fsr-3902	133	12	site	site	NOUN
fsr-3902	133	13	for	for	ADP
fsr-3902	133	14	each	each	DET
fsr-3902	133	15	such	such	ADJ
fsr-3902	133	16	topic	topic	NOUN
fsr-3902	133	17	or	or	CCONJ
fsr-3902	133	18	calculator	calculator	NOUN
fsr-3902	133	19	that	that	PRON
fsr-3902	133	20	would	would	AUX
fsr-3902	133	21	do	do	VERB
fsr-3902	133	22	the	the	DET
fsr-3902	133	23	trick	trick	NOUN
fsr-3902	133	24	.	.	PUNCT
fsr-3902	134	1	second	second	ADJ
fsr-3902	134	2	,	,	PUNCT
fsr-3902	134	3	in	in	ADP
fsr-3902	134	4	terms	term	NOUN
fsr-3902	134	5	of	of	ADP
fsr-3902	134	6	class	class	NOUN
fsr-3902	134	7	presentations	presentation	NOUN
fsr-3902	134	8	,	,	PUNCT
fsr-3902	134	9	an	an	DET
fsr-3902	134	10	instructor	instructor	NOUN
fsr-3902	134	11	might	might	AUX
fsr-3902	134	12	prepare	prepare	VERB
fsr-3902	134	13	a	a	DET
fsr-3902	134	14	transparency	transparency	NOUN
fsr-3902	134	15	of	of	ADP
fsr-3902	134	16	key	key	ADJ
fsr-3902	134	17	sites	site	NOUN
fsr-3902	134	18	in	in	ADP
fsr-3902	134	19	advance	advance	NOUN
fsr-3902	134	20	in	in	ADP
fsr-3902	134	21	case	case	NOUN
fsr-3902	134	22	an	an	DET
fsr-3902	134	23	unique	unique	ADJ
fsr-3902	134	24	site	site	NOUN
fsr-3902	134	25	is	be	AUX
fsr-3902	134	26	not	not	PART
fsr-3902	134	27	available	available	ADJ
fsr-3902	134	28	,	,	PUNCT
fsr-3902	134	29	and	and	CCONJ
fsr-3902	134	30	perhaps	perhaps	ADV
fsr-3902	134	31	even	even	ADV
fsr-3902	134	32	have	have	VERB
fsr-3902	134	33	handouts	handout	NOUN
fsr-3902	134	34	available	available	ADJ
fsr-3902	134	35	for	for	ADP
fsr-3902	134	36	the	the	DET
fsr-3902	134	37	student	student	NOUN
fsr-3902	134	38	.	.	PUNCT
fsr-3902	135	1	these	these	DET
fsr-3902	135	2	supply	supply	NOUN
fsr-3902	135	3	-	-	PUNCT
fsr-3902	135	4	side	side	NOUN
fsr-3902	135	5	and	and	CCONJ
fsr-3902	135	6	demand	demand	NOUN
fsr-3902	135	7	-	-	PUNCT
fsr-3902	135	8	side	side	NOUN
fsr-3902	135	9	problems	problem	NOUN
fsr-3902	135	10	of	of	ADP
fsr-3902	135	11	an	an	DET
fsr-3902	135	12	internet	internet	NOUN
fsr-3902	135	13	text	text	NOUN
fsr-3902	135	14	will	will	AUX
fsr-3902	135	15	take	take	VERB
fsr-3902	135	16	time	time	NOUN
fsr-3902	135	17	to	to	PART
fsr-3902	135	18	overcome	overcome	VERB
fsr-3902	135	19	.	.	PUNCT
fsr-3902	136	1	although	although	SCONJ
fsr-3902	136	2	an	an	DET
fsr-3902	136	3	all	all	PRON
fsr-3902	136	4	-	-	PUNCT
fsr-3902	136	5	internet	internet	NOUN
fsr-3902	136	6	-	-	PUNCT
fsr-3902	136	7	based	base	VERB
fsr-3902	136	8	text	text	NOUN
fsr-3902	136	9	is	be	AUX
fsr-3902	136	10	the	the	DET
fsr-3902	136	11	future	future	NOUN
fsr-3902	136	12	,	,	PUNCT
fsr-3902	136	13	it	it	PRON
fsr-3902	136	14	likely	likely	ADV
fsr-3902	136	15	will	will	AUX
fsr-3902	136	16	be	be	AUX
fsr-3902	136	17	a	a	DET
fsr-3902	136	18	long	long	ADJ
fsr-3902	136	19	time	time	NOUN
fsr-3902	136	20	before	before	SCONJ
fsr-3902	136	21	we	we	PRON
fsr-3902	136	22	see	see	VERB
fsr-3902	136	23	such	such	DET
fsr-3902	136	24	a	a	DET
fsr-3902	136	25	text	text	NOUN
fsr-3902	136	26	.	.	PUNCT
fsr-3902	137	1	309w	309w	NOUN
fsr-3902	137	2	.	.	PUNCT
fsr-3902	138	1	woerheide	woerheide	NOUN
fsr-3902	138	2	/	/	SYM
fsr-3902	138	3	financial	financial	ADJ
fsr-3902	138	4	services	service	NOUN
fsr-3902	138	5	review	review	VERB
fsr-3902	138	6	8	8	NUM
fsr-3902	138	7	(	(	PUNCT
fsr-3902	138	8	1999	1999	NUM
fsr-3902	138	9	)	)	PUNCT
fsr-3902	139	1	305–317	305–317	NUM
fsr-3902	139	2	5	5	NUM
fsr-3902	139	3	.	.	PUNCT
fsr-3902	140	1	what	what	PRON
fsr-3902	140	2	is	be	AUX
fsr-3902	140	3	the	the	DET
fsr-3902	140	4	current	current	ADJ
fsr-3902	140	5	state	state	NOUN
fsr-3902	140	6	of	of	ADP
fsr-3902	140	7	internet	internet	NOUN
fsr-3902	140	8	integration	integration	NOUN
fsr-3902	140	9	?	?	PUNCT
fsr-3902	141	1	until	until	SCONJ
fsr-3902	141	2	we	we	PRON
fsr-3902	141	3	have	have	AUX
fsr-3902	141	4	figured	figure	VERB
fsr-3902	141	5	out	out	ADP
fsr-3902	141	6	how	how	SCONJ
fsr-3902	141	7	to	to	PART
fsr-3902	141	8	overcome	overcome	VERB
fsr-3902	141	9	the	the	DET
fsr-3902	141	10	supply	supply	NOUN
fsr-3902	141	11	and	and	CCONJ
fsr-3902	141	12	demand	demand	NOUN
fsr-3902	141	13	problems	problem	NOUN
fsr-3902	141	14	of	of	ADP
fsr-3902	141	15	an	an	DET
fsr-3902	141	16	all	all	ADV
fsr-3902	141	17	-	-	PUNCT
fsr-3902	141	18	internet	internet	NOUN
fsr-3902	141	19	based	base	VERB
fsr-3902	141	20	course	course	NOUN
fsr-3902	141	21	,	,	PUNCT
fsr-3902	141	22	we	we	PRON
fsr-3902	141	23	will	will	AUX
fsr-3902	141	24	be	be	AUX
fsr-3902	141	25	in	in	ADP
fsr-3902	141	26	a	a	DET
fsr-3902	141	27	transition	transition	NOUN
fsr-3902	141	28	phase	phase	NOUN
fsr-3902	141	29	of	of	ADP
fsr-3902	141	30	moving	move	VERB
fsr-3902	141	31	from	from	ADP
fsr-3902	141	32	the	the	DET
fsr-3902	141	33	traditional	traditional	ADJ
fsr-3902	141	34	textbook	textbook	NOUN
fsr-3902	141	35	-	-	PUNCT
fsr-3902	141	36	based	base	VERB
fsr-3902	141	37	course	course	NOUN
fsr-3902	141	38	supported	support	VERB
fsr-3902	141	39	by	by	ADP
fsr-3902	141	40	such	such	ADJ
fsr-3902	141	41	things	thing	NOUN
fsr-3902	141	42	as	as	ADP
fsr-3902	141	43	powerpoint	powerpoint	NOUN
fsr-3902	141	44	slides	slide	NOUN
fsr-3902	141	45	,	,	PUNCT
fsr-3902	141	46	spreadsheet	spreadsheet	NOUN
fsr-3902	141	47	templates	template	NOUN
fsr-3902	141	48	,	,	PUNCT
fsr-3902	141	49	and	and	CCONJ
fsr-3902	141	50	personal	personal	ADJ
fsr-3902	141	51	financial	financial	ADJ
fsr-3902	141	52	planning	planning	NOUN
fsr-3902	141	53	disks	disk	NOUN
fsr-3902	141	54	.	.	PUNCT
fsr-3902	142	1	i	i	PRON
fsr-3902	142	2	am	be	AUX
fsr-3902	142	3	calling	call	VERB
fsr-3902	142	4	the	the	DET
fsr-3902	142	5	current	current	ADJ
fsr-3902	142	6	state	state	NOUN
fsr-3902	142	7	of	of	ADP
fsr-3902	142	8	textbook	textbook	NOUN
fsr-3902	142	9	publication	publication	NOUN
fsr-3902	142	10	the	the	DET
fsr-3902	142	11	transition	transition	NOUN
fsr-3902	142	12	phase	phase	NOUN
fsr-3902	142	13	based	base	VERB
fsr-3902	142	14	on	on	ADP
fsr-3902	142	15	two	two	NUM
fsr-3902	142	16	observations	observation	NOUN
fsr-3902	142	17	.	.	PUNCT
fsr-3902	143	1	first	first	ADV
fsr-3902	143	2	,	,	PUNCT
fsr-3902	143	3	the	the	DET
fsr-3902	143	4	current	current	ADJ
fsr-3902	143	5	edition	edition	NOUN
fsr-3902	143	6	of	of	ADP
fsr-3902	143	7	almost	almost	ADV
fsr-3902	143	8	every	every	DET
fsr-3902	143	9	personal	personal	ADJ
fsr-3902	143	10	finance	finance	NOUN
fsr-3902	143	11	text	text	NOUN
fsr-3902	143	12	has	have	VERB
fsr-3902	143	13	internet	internet	NOUN
fsr-3902	143	14	-	-	PUNCT
fsr-3902	143	15	based	base	VERB
fsr-3902	143	16	material	material	NOUN
fsr-3902	143	17	.	.	PUNCT
fsr-3902	144	1	second	second	ADJ
fsr-3902	144	2	,	,	PUNCT
fsr-3902	144	3	almost	almost	ADV
fsr-3902	144	4	none	none	NOUN
fsr-3902	144	5	of	of	ADP
fsr-3902	144	6	the	the	DET
fsr-3902	144	7	prior	prior	ADJ
fsr-3902	144	8	editions	edition	NOUN
fsr-3902	144	9	of	of	ADP
fsr-3902	144	10	each	each	PRON
fsr-3902	144	11	of	of	ADP
fsr-3902	144	12	these	these	DET
fsr-3902	144	13	books	book	NOUN
fsr-3902	144	14	provides	provide	VERB
fsr-3902	144	15	any	any	DET
fsr-3902	144	16	internet	internet	NOUN
fsr-3902	144	17	based	base	VERB
fsr-3902	144	18	material	material	NOUN
fsr-3902	144	19	beyond	beyond	ADP
fsr-3902	144	20	perhaps	perhaps	ADV
fsr-3902	144	21	a	a	DET
fsr-3902	144	22	few	few	ADJ
fsr-3902	144	23	references	reference	NOUN
fsr-3902	144	24	in	in	ADP
fsr-3902	144	25	the	the	DET
fsr-3902	144	26	instructors	instructor	NOUN
fsr-3902	144	27	’	'	PUNCT
fsr-3902	144	28	manuals	manual	NOUN
fsr-3902	144	29	.	.	PUNCT
fsr-3902	145	1	6	6	X
fsr-3902	145	2	.	.	X
fsr-3902	145	3	what	what	PRON
fsr-3902	145	4	does	do	AUX
fsr-3902	145	5	the	the	DET
fsr-3902	145	6	transition	transition	NOUN
fsr-3902	145	7	phase	phase	NOUN
fsr-3902	145	8	look	look	VERB
fsr-3902	145	9	like	like	ADP
fsr-3902	145	10	?	?	PUNCT
fsr-3902	146	1	to	to	PART
fsr-3902	146	2	clarify	clarify	VERB
fsr-3902	146	3	what	what	PRON
fsr-3902	146	4	this	this	DET
fsr-3902	146	5	transition	transition	NOUN
fsr-3902	146	6	phase	phase	NOUN
fsr-3902	146	7	looks	look	VERB
fsr-3902	146	8	like	like	ADP
fsr-3902	146	9	,	,	PUNCT
fsr-3902	146	10	tables	table	NOUN
fsr-3902	146	11	1	1	NUM
fsr-3902	146	12	and	and	CCONJ
fsr-3902	146	13	2	2	NUM
fsr-3902	146	14	show	show	VERB
fsr-3902	146	15	most	most	ADJ
fsr-3902	146	16	of	of	ADP
fsr-3902	146	17	the	the	DET
fsr-3902	146	18	personal	personal	ADJ
fsr-3902	146	19	finance	finance	NOUN
fsr-3902	146	20	texts	text	NOUN
fsr-3902	146	21	now	now	ADV
fsr-3902	146	22	being	be	AUX
fsr-3902	146	23	adopted	adopt	VERB
fsr-3902	146	24	at	at	ADP
fsr-3902	146	25	colleges	college	NOUN
fsr-3902	146	26	and	and	CCONJ
fsr-3902	146	27	universities	university	NOUN
fsr-3902	146	28	.	.	PUNCT
fsr-3902	147	1	table	table	NOUN
fsr-3902	147	2	1	1	NUM
fsr-3902	147	3	lists	list	VERB
fsr-3902	147	4	the	the	DET
fsr-3902	147	5	authors	author	NOUN
fsr-3902	147	6	,	,	PUNCT
fsr-3902	147	7	book	book	NOUN
fsr-3902	147	8	titles	title	NOUN
fsr-3902	147	9	and	and	CCONJ
fsr-3902	147	10	publishers	publisher	NOUN
fsr-3902	147	11	,	,	PUNCT
fsr-3902	147	12	and	and	CCONJ
fsr-3902	147	13	copyright	copyright	NOUN
fsr-3902	147	14	dates	date	NOUN
fsr-3902	147	15	of	of	ADP
fsr-3902	147	16	the	the	DET
fsr-3902	147	17	specific	specific	ADJ
fsr-3902	147	18	books	book	NOUN
fsr-3902	147	19	reviewed	review	VERB
fsr-3902	147	20	for	for	ADP
fsr-3902	147	21	this	this	DET
fsr-3902	147	22	study	study	NOUN
fsr-3902	147	23	.	.	PUNCT
fsr-3902	148	1	it	it	PRON
fsr-3902	148	2	also	also	ADV
fsr-3902	148	3	provides	provide	VERB
fsr-3902	148	4	a	a	DET
fsr-3902	148	5	summary	summary	NOUN
fsr-3902	148	6	of	of	ADP
fsr-3902	148	7	the	the	DET
fsr-3902	148	8	internet	internet	NOUN
fsr-3902	148	9	usage	usage	NOUN
fsr-3902	148	10	and	and	CCONJ
fsr-3902	148	11	integration	integration	NOUN
fsr-3902	148	12	.	.	PUNCT
fsr-3902	149	1	the	the	DET
fsr-3902	149	2	final	final	ADJ
fsr-3902	149	3	column	column	NOUN
fsr-3902	149	4	is	be	AUX
fsr-3902	149	5	a	a	DET
fsr-3902	149	6	rating	rating	NOUN
fsr-3902	149	7	of	of	ADP
fsr-3902	149	8	these	these	DET
fsr-3902	149	9	books	book	NOUN
fsr-3902	149	10	based	base	VERB
fsr-3902	149	11	on	on	ADP
fsr-3902	149	12	thecomprehensivenessof	thecomprehensivenessof	NOUN
fsr-3902	149	13	their	their	PRON
fsr-3902	149	14	internet	internet	NOUN
fsr-3902	149	15	usage	usage	NOUN
fsr-3902	149	16	and	and	CCONJ
fsr-3902	149	17	integration	integration	NOUN
fsr-3902	149	18	in	in	ADP
fsr-3902	149	19	each	each	DET
fsr-3902	149	20	text	text	NOUN
fsr-3902	149	21	.	.	PUNCT
fsr-3902	150	1	[	[	X
fsr-3902	150	2	this	this	PRON
fsr-3902	150	3	is	be	AUX
fsr-3902	150	4	not	not	PART
fsr-3902	150	5	,	,	PUNCT
fsr-3902	150	6	repeat	repeat	NOUN
fsr-3902	150	7	,	,	PUNCT
fsr-3902	150	8	not	not	PART
fsr-3902	150	9	a	a	DET
fsr-3902	150	10	rating	rating	NOUN
fsr-3902	150	11	of	of	ADP
fsr-3902	150	12	the	the	DET
fsr-3902	150	13	quality	quality	NOUN
fsr-3902	150	14	of	of	ADP
fsr-3902	150	15	the	the	DET
fsr-3902	150	16	texts	text	NOUN
fsr-3902	150	17	or	or	CCONJ
fsr-3902	150	18	an	an	DET
fsr-3902	150	19	endorsement	endorsement	NOUN
fsr-3902	150	20	or	or	CCONJ
fsr-3902	150	21	criticism	criticism	NOUN
fsr-3902	150	22	of	of	ADP
fsr-3902	150	23	any	any	DET
fsr-3902	150	24	type	type	NOUN
fsr-3902	150	25	.	.	PUNCT
fsr-3902	151	1	this	this	DET
fsr-3902	151	2	rating	rating	NOUN
fsr-3902	151	3	is	be	AUX
fsr-3902	151	4	simply	simply	ADV
fsr-3902	151	5	a	a	DET
fsr-3902	151	6	measure	measure	NOUN
fsr-3902	151	7	of	of	ADP
fsr-3902	151	8	the	the	DET
fsr-3902	151	9	degree	degree	NOUN
fsr-3902	151	10	of	of	ADP
fsr-3902	151	11	usage	usage	NOUN
fsr-3902	151	12	and	and	CCONJ
fsr-3902	151	13	integration	integration	NOUN
fsr-3902	151	14	of	of	ADP
fsr-3902	151	15	the	the	DET
fsr-3902	151	16	internet	internet	NOUN
fsr-3902	151	17	.	.	PUNCT
fsr-3902	151	18	]	]	PUNCT
fsr-3902	152	1	category	category	NOUN
fsr-3902	152	2	i	i	PRON
fsr-3902	152	3	texts	text	NOUN
fsr-3902	152	4	are	be	AUX
fsr-3902	152	5	the	the	DET
fsr-3902	152	6	ones	one	NOUN
fsr-3902	152	7	that	that	PRON
fsr-3902	152	8	appear	appear	VERB
fsr-3902	152	9	to	to	PART
fsr-3902	152	10	be	be	AUX
fsr-3902	152	11	at	at	ADP
fsr-3902	152	12	the	the	DET
fsr-3902	152	13	cutting	cut	VERB
fsr-3902	152	14	edge	edge	NOUN
fsr-3902	152	15	of	of	ADP
fsr-3902	152	16	usage	usage	NOUN
fsr-3902	152	17	and	and	CCONJ
fsr-3902	152	18	integration	integration	NOUN
fsr-3902	152	19	of	of	ADP
fsr-3902	152	20	the	the	DET
fsr-3902	152	21	internet	internet	NOUN
fsr-3902	152	22	.	.	PUNCT
fsr-3902	153	1	generally	generally	ADV
fsr-3902	153	2	,	,	PUNCT
fsr-3902	153	3	they	they	PRON
fsr-3902	153	4	provide	provide	VERB
fsr-3902	153	5	lists	list	NOUN
fsr-3902	153	6	of	of	ADP
fsr-3902	153	7	links	link	NOUN
fsr-3902	153	8	at	at	ADP
fsr-3902	153	9	the	the	DET
fsr-3902	153	10	end	end	NOUN
fsr-3902	153	11	of	of	ADP
fsr-3902	153	12	the	the	DET
fsr-3902	153	13	chapter	chapter	NOUN
fsr-3902	153	14	,	,	PUNCT
fsr-3902	153	15	a	a	DET
fsr-3902	153	16	publisher	publisher	NOUN
fsr-3902	153	17	sponsored	sponsor	VERB
fsr-3902	153	18	web	web	NOUN
fsr-3902	153	19	site	site	NOUN
fsr-3902	153	20	that	that	PRON
fsr-3902	153	21	includes	include	VERB
fsr-3902	153	22	additional	additional	ADJ
fsr-3902	153	23	exercises	exercise	NOUN
fsr-3902	153	24	and	and	CCONJ
fsr-3902	153	25	problems	problem	NOUN
fsr-3902	153	26	along	along	ADP
fsr-3902	153	27	with	with	ADP
fsr-3902	153	28	web	web	NOUN
fsr-3902	153	29	links	link	NOUN
fsr-3902	153	30	that	that	PRON
fsr-3902	153	31	will	will	AUX
fsr-3902	153	32	provide	provide	VERB
fsr-3902	153	33	the	the	DET
fsr-3902	153	34	solutions	solution	NOUN
fsr-3902	153	35	,	,	PUNCT
fsr-3902	153	36	resources	resource	NOUN
fsr-3902	153	37	for	for	ADP
fsr-3902	153	38	the	the	DET
fsr-3902	153	39	professor	professor	NOUN
fsr-3902	153	40	,	,	PUNCT
fsr-3902	153	41	and	and	CCONJ
fsr-3902	153	42	resources	resource	NOUN
fsr-3902	153	43	for	for	ADP
fsr-3902	153	44	the	the	DET
fsr-3902	153	45	student	student	NOUN
fsr-3902	153	46	.	.	PUNCT
fsr-3902	154	1	category	category	NOUN
fsr-3902	154	2	ii	ii	PROPN
fsr-3902	154	3	texts	text	NOUN
fsr-3902	154	4	provide	provide	VERB
fsr-3902	154	5	a	a	DET
fsr-3902	154	6	subset	subset	NOUN
fsr-3902	154	7	of	of	ADP
fsr-3902	154	8	what	what	PRON
fsr-3902	154	9	can	can	AUX
fsr-3902	154	10	be	be	AUX
fsr-3902	154	11	found	find	VERB
fsr-3902	154	12	in	in	ADP
fsr-3902	154	13	a	a	DET
fsr-3902	154	14	category	category	NOUN
fsr-3902	154	15	i	i	PRON
fsr-3902	154	16	text	text	NOUN
fsr-3902	154	17	.	.	PUNCT
fsr-3902	155	1	category	category	NOUN
fsr-3902	155	2	iii	iii	NUM
fsr-3902	155	3	texts	text	NOUN
fsr-3902	155	4	provide	provide	VERB
fsr-3902	155	5	only	only	ADV
fsr-3902	155	6	an	an	DET
fsr-3902	155	7	occasional	occasional	ADJ
fsr-3902	155	8	listing	listing	NOUN
fsr-3902	155	9	of	of	ADP
fsr-3902	155	10	web	web	NOUN
fsr-3902	155	11	sites	site	NOUN
fsr-3902	155	12	.	.	PUNCT
fsr-3902	156	1	there	there	PRON
fsr-3902	156	2	is	be	VERB
fsr-3902	156	3	no	no	DET
fsr-3902	156	4	comprehensive	comprehensive	ADJ
fsr-3902	156	5	incorporation	incorporation	NOUN
fsr-3902	156	6	or	or	CCONJ
fsr-3902	156	7	utilization	utilization	NOUN
fsr-3902	156	8	of	of	ADP
fsr-3902	156	9	the	the	DET
fsr-3902	156	10	internet	internet	NOUN
fsr-3902	156	11	in	in	ADP
fsr-3902	156	12	these	these	DET
fsr-3902	156	13	texts	text	NOUN
fsr-3902	156	14	.	.	PUNCT
fsr-3902	157	1	in	in	ADP
fsr-3902	157	2	establishing	establish	VERB
fsr-3902	157	3	these	these	DET
fsr-3902	157	4	categories	category	NOUN
fsr-3902	157	5	,	,	PUNCT
fsr-3902	157	6	the	the	DET
fsr-3902	157	7	use	use	NOUN
fsr-3902	157	8	of	of	ADP
fsr-3902	157	9	the	the	DET
fsr-3902	157	10	internet	internet	NOUN
fsr-3902	157	11	by	by	ADP
fsr-3902	157	12	the	the	DET
fsr-3902	157	13	publisher	publisher	NOUN
fsr-3902	157	14	is	be	AUX
fsr-3902	157	15	not	not	PART
fsr-3902	157	16	considered	consider	VERB
fsr-3902	157	17	internet	internet	NOUN
fsr-3902	157	18	integration	integration	NOUN
fsr-3902	157	19	into	into	ADP
fsr-3902	157	20	the	the	DET
fsr-3902	157	21	text	text	NOUN
fsr-3902	157	22	material	material	NOUN
fsr-3902	157	23	.	.	PUNCT
fsr-3902	158	1	thus	thus	ADV
fsr-3902	158	2	,	,	PUNCT
fsr-3902	158	3	the	the	DET
fsr-3902	158	4	parts	part	NOUN
fsr-3902	158	5	of	of	ADP
fsr-3902	158	6	the	the	DET
fsr-3902	158	7	publishers	publisher	NOUN
fsr-3902	158	8	’	’	PART
fsr-3902	158	9	web	web	NOUN
fsr-3902	158	10	sites	site	NOUN
fsr-3902	158	11	that	that	PRON
fsr-3902	158	12	provide	provide	VERB
fsr-3902	158	13	the	the	DET
fsr-3902	158	14	opportunity	opportunity	NOUN
fsr-3902	158	15	to	to	PART
fsr-3902	158	16	order	order	VERB
fsr-3902	158	17	additional	additional	ADJ
fsr-3902	158	18	material	material	NOUN
fsr-3902	158	19	such	such	ADJ
fsr-3902	158	20	as	as	ADP
fsr-3902	158	21	study	study	NOUN
fsr-3902	158	22	guides	guide	NOUN
fsr-3902	158	23	and	and	CCONJ
fsr-3902	158	24	instructor	instructor	NOUN
fsr-3902	158	25	’s	’s	PART
fsr-3902	158	26	manuals	manual	NOUN
fsr-3902	158	27	are	be	AUX
fsr-3902	158	28	not	not	PART
fsr-3902	158	29	counted	count	VERB
fsr-3902	158	30	in	in	ADP
fsr-3902	158	31	the	the	DET
fsr-3902	158	32	categorization	categorization	NOUN
fsr-3902	158	33	process	process	NOUN
fsr-3902	158	34	.	.	PUNCT
fsr-3902	159	1	similarly	similarly	ADV
fsr-3902	159	2	,	,	PUNCT
fsr-3902	159	3	the	the	DET
fsr-3902	159	4	parts	part	NOUN
fsr-3902	159	5	of	of	ADP
fsr-3902	159	6	the	the	DET
fsr-3902	159	7	web	web	NOUN
fsr-3902	159	8	sites	site	NOUN
fsr-3902	159	9	that	that	PRON
fsr-3902	159	10	are	be	AUX
fsr-3902	159	11	purely	purely	ADV
fsr-3902	159	12	promotional	promotional	ADJ
fsr-3902	159	13	are	be	AUX
fsr-3902	159	14	also	also	ADV
fsr-3902	159	15	ignored	ignore	VERB
fsr-3902	159	16	.	.	PUNCT
fsr-3902	160	1	promotional	promotional	ADJ
fsr-3902	160	2	items	item	NOUN
fsr-3902	160	3	include	include	VERB
fsr-3902	160	4	information	information	NOUN
fsr-3902	160	5	on	on	ADP
fsr-3902	160	6	the	the	DET
fsr-3902	160	7	authors	author	NOUN
fsr-3902	160	8	,	,	PUNCT
fsr-3902	160	9	the	the	DET
fsr-3902	160	10	text	text	NOUN
fsr-3902	160	11	,	,	PUNCT
fsr-3902	160	12	and	and	CCONJ
fsr-3902	160	13	other	other	ADJ
fsr-3902	160	14	texts	text	NOUN
fsr-3902	160	15	by	by	ADP
fsr-3902	160	16	the	the	DET
fsr-3902	160	17	same	same	ADJ
fsr-3902	160	18	publisher	publisher	NOUN
fsr-3902	160	19	.	.	PUNCT
fsr-3902	161	1	based	base	VERB
fsr-3902	161	2	on	on	ADP
fsr-3902	161	3	these	these	DET
fsr-3902	161	4	criteria	criterion	NOUN
fsr-3902	161	5	,	,	PUNCT
fsr-3902	161	6	the	the	DET
fsr-3902	161	7	winger	winger	NOUN
fsr-3902	161	8	and	and	CCONJ
fsr-3902	161	9	frasca	frasca	PROPN
fsr-3902	161	10	,	,	PUNCT
fsr-3902	161	11	rosefsky	rosefsky	PROPN
fsr-3902	161	12	,	,	PUNCT
fsr-3902	161	13	keown	keown	PROPN
fsr-3902	161	14	,	,	PUNCT
fsr-3902	161	15	and	and	CCONJ
fsr-3902	161	16	kapoor	kapoor	PROPN
fsr-3902	161	17	,	,	PUNCT
fsr-3902	161	18	dlabay	dlabay	ADJ
fsr-3902	161	19	,	,	PUNCT
fsr-3902	161	20	and	and	CCONJ
fsr-3902	161	21	hughes	hughe	NOUN
fsr-3902	161	22	texts	text	NOUN
fsr-3902	161	23	are	be	AUX
fsr-3902	161	24	category	category	NOUN
fsr-3902	161	25	i	i	PRON
fsr-3902	161	26	texts	text	NOUN
fsr-3902	161	27	.	.	PUNCT
fsr-3902	162	1	category	category	NOUN
fsr-3902	162	2	ii	ii	NOUN
fsr-3902	162	3	texts	text	NOUN
fsr-3902	162	4	include	include	VERB
fsr-3902	162	5	ramaglia	ramaglia	NOUN
fsr-3902	162	6	and	and	CCONJ
fsr-3902	162	7	macdonald	macdonald	PROPN
fsr-3902	162	8	and	and	CCONJ
fsr-3902	162	9	gitman	gitman	PROPN
fsr-3902	162	10	and	and	CCONJ
fsr-3902	162	11	joehnk	joehnk	PROPN
fsr-3902	162	12	.	.	PUNCT
fsr-3902	163	1	category	category	NOUN
fsr-3902	163	2	iii	iii	NUM
fsr-3902	163	3	texts	text	NOUN
fsr-3902	163	4	include	include	VERB
fsr-3902	163	5	garman	garman	NOUN
fsr-3902	163	6	and	and	CCONJ
fsr-3902	163	7	forgue	forgue	NOUN
fsr-3902	163	8	,	,	PUNCT
fsr-3902	163	9	boone	boone	PROPN
fsr-3902	163	10	,	,	PUNCT
fsr-3902	163	11	kurtz	kurtz	PROPN
fsr-3902	163	12	,	,	PUNCT
fsr-3902	163	13	and	and	CCONJ
fsr-3902	163	14	hearth	hearth	NOUN
fsr-3902	163	15	,	,	PUNCT
fsr-3902	163	16	and	and	CCONJ
fsr-3902	163	17	ho	ho	PROPN
fsr-3902	163	18	,	,	PUNCT
fsr-3902	163	19	perdue	perdue	ADJ
fsr-3902	163	20	,	,	PUNCT
fsr-3902	163	21	and	and	CCONJ
fsr-3902	163	22	robinson	robinson	PROPN
fsr-3902	163	23	.	.	PROPN
fsr-3902	164	1	7	7	X
fsr-3902	164	2	.	.	X
fsr-3902	164	3	what	what	PRON
fsr-3902	164	4	will	will	AUX
fsr-3902	164	5	the	the	DET
fsr-3902	164	6	next	next	ADJ
fsr-3902	164	7	round	round	NOUN
fsr-3902	164	8	of	of	ADP
fsr-3902	164	9	textbooks	textbook	NOUN
fsr-3902	164	10	look	look	VERB
fsr-3902	164	11	like	like	ADP
fsr-3902	164	12	?	?	PUNCT
fsr-3902	165	1	we	we	PRON
fsr-3902	165	2	will	will	AUX
fsr-3902	165	3	not	not	PART
fsr-3902	165	4	jump	jump	VERB
fsr-3902	165	5	to	to	ADP
fsr-3902	165	6	the	the	DET
fsr-3902	165	7	ideal	ideal	ADJ
fsr-3902	165	8	state	state	NOUN
fsr-3902	165	9	,	,	PUNCT
fsr-3902	165	10	described	describe	VERB
fsr-3902	165	11	in	in	ADP
fsr-3902	165	12	section	section	NOUN
fsr-3902	165	13	3	3	NUM
fsr-3902	165	14	,	,	PUNCT
fsr-3902	165	15	any	any	DET
fsr-3902	165	16	time	time	NOUN
fsr-3902	165	17	soon	soon	ADV
fsr-3902	165	18	,	,	PUNCT
fsr-3902	165	19	and	and	CCONJ
fsr-3902	165	20	primarily	primarily	ADV
fsr-3902	165	21	for	for	ADP
fsr-3902	165	22	the	the	DET
fsr-3902	165	23	reasons	reason	NOUN
fsr-3902	165	24	described	describe	VERB
fsr-3902	165	25	in	in	ADP
fsr-3902	165	26	section	section	NOUN
fsr-3902	165	27	4	4	NUM
fsr-3902	165	28	.	.	PUNCT
fsr-3902	166	1	nonetheless	nonetheless	ADV
fsr-3902	166	2	,	,	PUNCT
fsr-3902	166	3	we	we	PRON
fsr-3902	166	4	are	be	AUX
fsr-3902	166	5	moving	move	VERB
fsr-3902	166	6	in	in	ADP
fsr-3902	166	7	that	that	DET
fsr-3902	166	8	direction	direction	NOUN
fsr-3902	166	9	.	.	PUNCT
fsr-3902	167	1	the	the	DET
fsr-3902	167	2	310	310	NUM
fsr-3902	167	3	w.	w.	PROPN
fsr-3902	167	4	woerheide	woerheide	PROPN
fsr-3902	167	5	/	/	SYM
fsr-3902	167	6	financial	financial	ADJ
fsr-3902	167	7	services	service	NOUN
fsr-3902	167	8	review	review	VERB
fsr-3902	167	9	8	8	NUM
fsr-3902	167	10	(	(	PUNCT
fsr-3902	167	11	1999	1999	NUM
fsr-3902	167	12	)	)	PUNCT
fsr-3902	167	13	305–317	305–317	NUM
fsr-3902	167	14	table	table	NOUN
fsr-3902	167	15	1	1	NUM
fsr-3902	167	16	current	current	ADJ
fsr-3902	167	17	status	status	NOUN
fsr-3902	167	18	of	of	ADP
fsr-3902	167	19	the	the	DET
fsr-3902	167	20	internet	internet	NOUN
fsr-3902	167	21	in	in	ADP
fsr-3902	167	22	various	various	ADJ
fsr-3902	167	23	personal	personal	ADJ
fsr-3902	167	24	finance	finance	NOUN
fsr-3902	167	25	texts	text	NOUN
fsr-3902	167	26	authora	authora	PROPN
fsr-3902	167	27	book	book	NOUN
fsr-3902	167	28	(	(	PUNCT
fsr-3902	167	29	publisher	publisher	NOUN
fsr-3902	167	30	)	)	PUNCT
fsr-3902	167	31	copyright	copyright	NOUN
fsr-3902	167	32	internet	internet	NOUN
fsr-3902	167	33	content	content	NOUN
fsr-3902	167	34	category	category	NOUN
fsr-3902	167	35	bernard	bernard	PROPN
fsr-3902	167	36	winger	winger	NOUN
fsr-3902	167	37	and	and	CCONJ
fsr-3902	167	38	ralph	ralph	PROPN
fsr-3902	167	39	frasca	frasca	PROPN
fsr-3902	167	40	personal	personal	PROPN
fsr-3902	167	41	finance	finance	PROPN
fsr-3902	167	42	,	,	PUNCT
fsr-3902	167	43	fourth	fourth	ADJ
fsr-3902	167	44	edition	edition	NOUN
fsr-3902	167	45	(	(	PUNCT
fsr-3902	167	46	prentice	prentice	PROPN
fsr-3902	167	47	hall	hall	PROPN
fsr-3902	167	48	)	)	PUNCT
fsr-3902	167	49	1997	1997	NUM
fsr-3902	167	50	a	a	DET
fsr-3902	167	51	short	short	ADJ
fsr-3902	167	52	list	list	NOUN
fsr-3902	167	53	of	of	ADP
fsr-3902	167	54	web	web	NOUN
fsr-3902	167	55	sites	site	NOUN
fsr-3902	167	56	is	be	AUX
fsr-3902	167	57	at	at	ADP
fsr-3902	167	58	the	the	DET
fsr-3902	167	59	end	end	NOUN
fsr-3902	167	60	of	of	ADP
fsr-3902	167	61	each	each	DET
fsr-3902	167	62	chapter	chapter	NOUN
fsr-3902	167	63	.	.	PUNCT
fsr-3902	168	1	in	in	ADP
fsr-3902	168	2	addition	addition	NOUN
fsr-3902	168	3	,	,	PUNCT
fsr-3902	168	4	there	there	PRON
fsr-3902	168	5	is	be	VERB
fsr-3902	168	6	a	a	DET
fsr-3902	168	7	web	web	NOUN
fsr-3902	168	8	site	site	NOUN
fsr-3902	168	9	that	that	PRON
fsr-3902	168	10	supports	support	VERB
fsr-3902	168	11	the	the	DET
fsr-3902	168	12	text	text	NOUN
fsr-3902	168	13	.	.	PUNCT
fsr-3902	169	1	the	the	DET
fsr-3902	169	2	url	url	NOUN
fsr-3902	169	3	is	be	AUX
fsr-3902	169	4	www.udayton.edu/	www.udayton.edu/	VERB
fsr-3902	169	5	sba	sba	PROPN
fsr-3902	169	6	/	/	SYM
fsr-3902	169	7	wf	wf	PROPN
fsr-3902	169	8	/	/	SYM
fsr-3902	169	9	pf.htm	pf.htm	PROPN
fsr-3902	169	10	.	.	PUNCT
fsr-3902	170	1	the	the	DET
fsr-3902	170	2	key	key	ADJ
fsr-3902	170	3	features	feature	NOUN
fsr-3902	170	4	of	of	ADP
fsr-3902	170	5	this	this	DET
fsr-3902	170	6	web	web	NOUN
fsr-3902	170	7	site	site	NOUN
fsr-3902	170	8	are	be	AUX
fsr-3902	170	9	exercises	exercise	NOUN
fsr-3902	170	10	that	that	PRON
fsr-3902	170	11	provide	provide	VERB
fsr-3902	170	12	links	link	NOUN
fsr-3902	170	13	to	to	ADP
fsr-3902	170	14	online	online	ADJ
fsr-3902	170	15	resources	resource	NOUN
fsr-3902	170	16	.	.	PUNCT
fsr-3902	171	1	there	there	PRON
fsr-3902	171	2	are	be	VERB
fsr-3902	171	3	also	also	ADV
fsr-3902	171	4	a	a	DET
fsr-3902	171	5	large	large	ADJ
fsr-3902	171	6	number	number	NOUN
fsr-3902	171	7	of	of	ADP
fsr-3902	171	8	general	general	ADJ
fsr-3902	171	9	links	link	NOUN
fsr-3902	171	10	.	.	PUNCT
fsr-3902	172	1	other	other	ADJ
fsr-3902	172	2	support	support	NOUN
fsr-3902	172	3	material	material	NOUN
fsr-3902	172	4	is	be	AUX
fsr-3902	172	5	also	also	ADV
fsr-3902	172	6	found	find	VERB
fsr-3902	172	7	at	at	ADP
fsr-3902	172	8	this	this	DET
fsr-3902	172	9	site	site	NOUN
fsr-3902	172	10	,	,	PUNCT
fsr-3902	172	11	including	include	VERB
fsr-3902	172	12	downloadable	downloadable	ADJ
fsr-3902	172	13	files	file	NOUN
fsr-3902	172	14	of	of	ADP
fsr-3902	172	15	powerpoint	powerpoint	NOUN
fsr-3902	172	16	presentations	presentation	NOUN
fsr-3902	172	17	.	.	PUNCT
fsr-3902	173	1	spreadsheet	spreadsheet	PROPN
fsr-3902	173	2	templates	templates	PROPN
fsr-3902	173	3	,	,	PUNCT
fsr-3902	173	4	and	and	CCONJ
fsr-3902	173	5	a	a	DET
fsr-3902	173	6	what	what	PRON
fsr-3902	173	7	’s	’	VERB
fsr-3902	173	8	new	new	ADJ
fsr-3902	173	9	section	section	NOUN
fsr-3902	173	10	.	.	PUNCT
fsr-3902	174	1	i	i	PRON
fsr-3902	174	2	robert	robert	PROPN
fsr-3902	174	3	rosefsky	rosefsky	PROPN
fsr-3902	174	4	personal	personal	PROPN
fsr-3902	174	5	finance	finance	NOUN
fsr-3902	174	6	,	,	PUNCT
fsr-3902	174	7	seventh	seventh	ADJ
fsr-3902	174	8	edition	edition	NOUN
fsr-3902	174	9	(	(	PUNCT
fsr-3902	174	10	john	john	PROPN
fsr-3902	174	11	wiley	wiley	PROPN
fsr-3902	174	12	&	&	CCONJ
fsr-3902	174	13	sons	son	NOUN
fsr-3902	174	14	)	)	PUNCT
fsr-3902	174	15	1999	1999	NUM
fsr-3902	174	16	throughout	throughout	ADP
fsr-3902	174	17	each	each	DET
fsr-3902	174	18	chapter	chapter	NOUN
fsr-3902	174	19	,	,	PUNCT
fsr-3902	174	20	icons	icon	NOUN
fsr-3902	174	21	have	have	AUX
fsr-3902	174	22	been	be	AUX
fsr-3902	174	23	placed	place	VERB
fsr-3902	174	24	next	next	ADV
fsr-3902	174	25	to	to	ADP
fsr-3902	174	26	paragraphs	paragraph	NOUN
fsr-3902	174	27	and	and	CCONJ
fsr-3902	174	28	other	other	ADJ
fsr-3902	174	29	material	material	NOUN
fsr-3902	174	30	.	.	PUNCT
fsr-3902	175	1	each	each	DET
fsr-3902	175	2	icon	icon	NOUN
fsr-3902	175	3	provides	provide	VERB
fsr-3902	175	4	a	a	DET
fsr-3902	175	5	reference	reference	NOUN
fsr-3902	175	6	link	link	NOUN
fsr-3902	175	7	at	at	ADP
fsr-3902	175	8	the	the	DET
fsr-3902	175	9	following	follow	VERB
fsr-3902	175	10	site	site	NOUN
fsr-3902	175	11	:	:	PUNCT
fsr-3902	175	12	www.wiley.com/college/rosefsky/modl/.	www.wiley.com/college/rosefsky/modl/.	PROPN
fsr-3902	176	1	each	each	DET
fsr-3902	176	2	reference	reference	NOUN
fsr-3902	176	3	link	link	NOUN
fsr-3902	176	4	then	then	ADV
fsr-3902	176	5	provides	provide	VERB
fsr-3902	176	6	links	link	NOUN
fsr-3902	176	7	to	to	ADP
fsr-3902	176	8	sites	site	NOUN
fsr-3902	176	9	with	with	ADP
fsr-3902	176	10	information	information	NOUN
fsr-3902	176	11	relevant	relevant	ADJ
fsr-3902	176	12	to	to	ADP
fsr-3902	176	13	the	the	DET
fsr-3902	176	14	topic	topic	NOUN
fsr-3902	176	15	at	at	ADP
fsr-3902	176	16	hand	hand	NOUN
fsr-3902	176	17	,	,	PUNCT
fsr-3902	176	18	or	or	CCONJ
fsr-3902	176	19	provides	provide	VERB
fsr-3902	176	20	a	a	DET
fsr-3902	176	21	problem	problem	NOUN
fsr-3902	176	22	with	with	ADP
fsr-3902	176	23	links	link	NOUN
fsr-3902	176	24	to	to	ADP
fsr-3902	176	25	one	one	NUM
fsr-3902	176	26	or	or	CCONJ
fsr-3902	176	27	more	more	ADJ
fsr-3902	176	28	calculators	calculator	NOUN
fsr-3902	176	29	that	that	PRON
fsr-3902	176	30	solve	solve	VERB
fsr-3902	176	31	that	that	DET
fsr-3902	176	32	problem	problem	NOUN
fsr-3902	176	33	.	.	PUNCT
fsr-3902	177	1	there	there	PRON
fsr-3902	177	2	is	be	VERB
fsr-3902	177	3	a	a	DET
fsr-3902	177	4	decision	decision	NOUN
fsr-3902	177	5	maker	maker	NOUN
fsr-3902	177	6	software	software	NOUN
fsr-3902	177	7	available	available	ADJ
fsr-3902	177	8	,	,	PUNCT
fsr-3902	177	9	a	a	DET
fsr-3902	177	10	business	business	NOUN
fsr-3902	177	11	extra	extra	ADJ
fsr-3902	177	12	site	site	NOUN
fsr-3902	177	13	which	which	PRON
fsr-3902	177	14	provides	provide	VERB
fsr-3902	177	15	articles	article	NOUN
fsr-3902	177	16	from	from	ADP
fsr-3902	177	17	thewall	thewall	PROPN
fsr-3902	177	18	street	street	PROPN
fsr-3902	177	19	journal	journal	NOUN
fsr-3902	177	20	,	,	PUNCT
fsr-3902	177	21	and	and	CCONJ
fsr-3902	177	22	rosefsky	rosefsky	PROPN
fsr-3902	177	23	’s	’s	PART
fsr-3902	177	24	newsletters	newsletter	NOUN
fsr-3902	177	25	and	and	CCONJ
fsr-3902	177	26	updates	update	NOUN
fsr-3902	177	27	.	.	PUNCT
fsr-3902	178	1	i	i	PRON
fsr-3902	178	2	judith	judith	PROPN
fsr-3902	178	3	ramaglia	ramaglia	PROPN
fsr-3902	178	4	and	and	CCONJ
fsr-3902	178	5	diane	diane	PROPN
fsr-3902	178	6	macdonald	macdonald	PROPN
fsr-3902	178	7	personal	personal	PROPN
fsr-3902	178	8	finance	finance	PROPN
fsr-3902	178	9	:	:	PUNCT
fsr-3902	178	10	tools	tool	NOUN
fsr-3902	178	11	for	for	ADP
fsr-3902	178	12	decision	decision	NOUN
fsr-3902	178	13	making	making	NOUN
fsr-3902	178	14	(	(	PUNCT
fsr-3902	178	15	southwestern	southwestern	ADJ
fsr-3902	178	16	college	college	NOUN
fsr-3902	178	17	publishing	publishing	NOUN
fsr-3902	178	18	)	)	PUNCT
fsr-3902	178	19	1999	1999	NUM
fsr-3902	178	20	a	a	DET
fsr-3902	178	21	short	short	ADJ
fsr-3902	178	22	list	list	NOUN
fsr-3902	178	23	of	of	ADP
fsr-3902	178	24	web	web	NOUN
fsr-3902	178	25	sites	site	NOUN
fsr-3902	178	26	is	be	AUX
fsr-3902	178	27	at	at	ADP
fsr-3902	178	28	the	the	DET
fsr-3902	178	29	end	end	NOUN
fsr-3902	178	30	of	of	ADP
fsr-3902	178	31	each	each	DET
fsr-3902	178	32	chapter	chapter	NOUN
fsr-3902	178	33	.	.	PUNCT
fsr-3902	179	1	in	in	ADP
fsr-3902	179	2	addition	addition	NOUN
fsr-3902	179	3	,	,	PUNCT
fsr-3902	179	4	there	there	PRON
fsr-3902	179	5	is	be	VERB
fsr-3902	179	6	a	a	DET
fsr-3902	179	7	web	web	NOUN
fsr-3902	179	8	site	site	NOUN
fsr-3902	179	9	that	that	PRON
fsr-3902	179	10	supports	support	VERB
fsr-3902	179	11	the	the	DET
fsr-3902	179	12	text	text	NOUN
fsr-3902	179	13	.	.	PUNCT
fsr-3902	180	1	the	the	DET
fsr-3902	180	2	url	url	NOUN
fsr-3902	180	3	is	be	AUX
fsr-3902	180	4	www.swcollege.com/bef/ramaglia/ramaglia.html	www.swcollege.com/bef/ramaglia/ramaglia.html	PROPN
fsr-3902	180	5	.	.	PUNCT
fsr-3902	181	1	the	the	DET
fsr-3902	181	2	first	first	ADJ
fsr-3902	181	3	element	element	NOUN
fsr-3902	181	4	in	in	ADP
fsr-3902	181	5	this	this	DET
fsr-3902	181	6	site	site	NOUN
fsr-3902	181	7	is	be	AUX
fsr-3902	181	8	titled	title	VERB
fsr-3902	181	9	internet	internet	NOUN
fsr-3902	181	10	applications	application	NOUN
fsr-3902	181	11	.	.	PUNCT
fsr-3902	182	1	these	these	PRON
fsr-3902	182	2	are	be	AUX
fsr-3902	182	3	the	the	DET
fsr-3902	182	4	same	same	ADJ
fsr-3902	182	5	as	as	ADP
fsr-3902	182	6	the	the	DET
fsr-3902	182	7	links	link	NOUN
fsr-3902	182	8	at	at	ADP
fsr-3902	182	9	the	the	DET
fsr-3902	182	10	end	end	NOUN
fsr-3902	182	11	of	of	ADP
fsr-3902	182	12	each	each	DET
fsr-3902	182	13	chapter	chapter	NOUN
fsr-3902	182	14	.	.	PUNCT
fsr-3902	183	1	there	there	PRON
fsr-3902	183	2	was	be	VERB
fsr-3902	183	3	also	also	ADV
fsr-3902	183	4	a	a	DET
fsr-3902	183	5	section	section	NOUN
fsr-3902	183	6	titled	title	VERB
fsr-3902	183	7	author	author	NOUN
fsr-3902	183	8	updates	update	VERB
fsr-3902	183	9	,	,	PUNCT
fsr-3902	183	10	although	although	SCONJ
fsr-3902	183	11	this	this	DET
fsr-3902	183	12	section	section	NOUN
fsr-3902	183	13	had	have	VERB
fsr-3902	183	14	no	no	DET
fsr-3902	183	15	content	content	NOUN
fsr-3902	183	16	at	at	ADP
fsr-3902	183	17	the	the	DET
fsr-3902	183	18	time	time	NOUN
fsr-3902	183	19	of	of	ADP
fsr-3902	183	20	writing	writing	NOUN
fsr-3902	183	21	.	.	PUNCT
fsr-3902	184	1	ii	ii	PROPN
fsr-3902	184	2	arthur	arthur	PROPN
fsr-3902	184	3	j.	j.	PROPN
fsr-3902	184	4	keown	keown	PROPN
fsr-3902	184	5	personal	personal	PROPN
fsr-3902	184	6	finance	finance	PROPN
fsr-3902	184	7	:	:	PUNCT
fsr-3902	184	8	turning	turn	VERB
fsr-3902	184	9	money	money	NOUN
fsr-3902	184	10	into	into	ADP
fsr-3902	184	11	wealth	wealth	NOUN
fsr-3902	184	12	(	(	PUNCT
fsr-3902	184	13	prentice	prentice	PROPN
fsr-3902	184	14	hall	hall	PROPN
fsr-3902	184	15	)	)	PUNCT
fsr-3902	184	16	1998	1998	NUM
fsr-3902	184	17	sites	site	NOUN
fsr-3902	184	18	are	be	AUX
fsr-3902	184	19	listed	list	VERB
fsr-3902	184	20	in	in	ADP
fsr-3902	184	21	the	the	DET
fsr-3902	184	22	margin	margin	NOUN
fsr-3902	184	23	at	at	ADP
fsr-3902	184	24	the	the	DET
fsr-3902	184	25	end	end	NOUN
fsr-3902	184	26	of	of	ADP
fsr-3902	184	27	the	the	DET
fsr-3902	184	28	chapter	chapter	NOUN
fsr-3902	184	29	.	.	PUNCT
fsr-3902	185	1	however	however	ADV
fsr-3902	185	2	,	,	PUNCT
fsr-3902	185	3	the	the	DET
fsr-3902	185	4	publisher	publisher	NOUN
fsr-3902	185	5	also	also	ADV
fsr-3902	185	6	supports	support	VERB
fsr-3902	185	7	a	a	DET
fsr-3902	185	8	web	web	NOUN
fsr-3902	185	9	site	site	NOUN
fsr-3902	185	10	for	for	ADP
fsr-3902	185	11	the	the	DET
fsr-3902	185	12	book	book	NOUN
fsr-3902	185	13	(	(	PUNCT
fsr-3902	185	14	www.prenhall.com/persfin	www.prenhall.com/persfin	PROPN
fsr-3902	185	15	)	)	PUNCT
fsr-3902	185	16	.	.	PUNCT
fsr-3902	186	1	there	there	PRON
fsr-3902	186	2	are	be	VERB
fsr-3902	186	3	five	five	NUM
fsr-3902	186	4	activities	activity	NOUN
fsr-3902	186	5	for	for	ADP
fsr-3902	186	6	each	each	DET
fsr-3902	186	7	chapter	chapter	NOUN
fsr-3902	186	8	.	.	PUNCT
fsr-3902	187	1	these	these	PRON
fsr-3902	187	2	are	be	AUX
fsr-3902	187	3	:	:	PUNCT
fsr-3902	187	4	chapter	chapter	NOUN
fsr-3902	187	5	interactive	interactive	ADJ
fsr-3902	187	6	exercises	exercise	NOUN
fsr-3902	187	7	,	,	PUNCT
fsr-3902	187	8	web	web	NOUN
fsr-3902	187	9	-	-	PUNCT
fsr-3902	187	10	based	base	VERB
fsr-3902	187	11	chapter	chapter	NOUN
fsr-3902	187	12	resources	resource	NOUN
fsr-3902	187	13	,	,	PUNCT
fsr-3902	187	14	hot	hot	ADJ
fsr-3902	187	15	topics	topic	NOUN
fsr-3902	187	16	,	,	PUNCT
fsr-3902	187	17	chapter	chapter	NOUN
fsr-3902	187	18	articles	article	NOUN
fsr-3902	187	19	from	from	ADP
fsr-3902	187	20	kiplinger	kiplinger	PROPN
fsr-3902	187	21	’s	’s	PART
fsr-3902	187	22	,	,	PUNCT
fsr-3902	187	23	and	and	CCONJ
fsr-3902	187	24	a	a	DET
fsr-3902	187	25	fun	fun	NOUN
fsr-3902	187	26	button	button	NOUN
fsr-3902	187	27	.	.	PUNCT
fsr-3902	188	1	i	i	PRON
fsr-3902	188	2	jack	jack	PROPN
fsr-3902	188	3	kapoor	kapoor	PROPN
fsr-3902	188	4	,	,	PUNCT
fsr-3902	188	5	les	les	X
fsr-3902	188	6	dlabay	dlabay	NOUN
fsr-3902	188	7	,	,	PUNCT
fsr-3902	188	8	and	and	CCONJ
fsr-3902	188	9	robert	robert	PROPN
fsr-3902	188	10	j.	j.	PROPN
fsr-3902	188	11	hughes	hughes	PROPN
fsr-3902	188	12	personal	personal	PROPN
fsr-3902	188	13	finance	finance	PROPN
fsr-3902	188	14	,	,	PUNCT
fsr-3902	188	15	fifth	fifth	ADJ
fsr-3902	188	16	edition	edition	NOUN
fsr-3902	188	17	(	(	PUNCT
fsr-3902	188	18	irwin	irwin	PROPN
fsr-3902	188	19	,	,	PUNCT
fsr-3902	188	20	mcgrawhill	mcgrawhill	NOUN
fsr-3902	188	21	)	)	PUNCT
fsr-3902	188	22	1999	1999	NUM
fsr-3902	188	23	at	at	ADP
fsr-3902	188	24	the	the	DET
fsr-3902	188	25	end	end	NOUN
fsr-3902	188	26	of	of	ADP
fsr-3902	188	27	each	each	DET
fsr-3902	188	28	chapter	chapter	NOUN
fsr-3902	188	29	,	,	PUNCT
fsr-3902	188	30	some	some	PRON
fsr-3902	188	31	of	of	ADP
fsr-3902	188	32	the	the	DET
fsr-3902	188	33	projects	project	NOUN
fsr-3902	188	34	and	and	CCONJ
fsr-3902	188	35	application	application	NOUN
fsr-3902	188	36	exercises	exercise	VERB
fsr-3902	188	37	direct	direct	ADJ
fsr-3902	188	38	students	student	NOUN
fsr-3902	188	39	to	to	PART
fsr-3902	188	40	use	use	VERB
fsr-3902	188	41	the	the	DET
fsr-3902	188	42	internet	internet	NOUN
fsr-3902	188	43	,	,	PUNCT
fsr-3902	188	44	but	but	CCONJ
fsr-3902	188	45	not	not	PART
fsr-3902	188	46	all	all	PRON
fsr-3902	188	47	such	such	ADJ
fsr-3902	188	48	exercises	exercise	NOUN
fsr-3902	188	49	provide	provide	VERB
fsr-3902	188	50	a	a	DET
fsr-3902	188	51	specific	specific	ADJ
fsr-3902	188	52	address	address	NOUN
fsr-3902	188	53	.	.	PUNCT
fsr-3902	189	1	in	in	ADP
fsr-3902	189	2	addition	addition	NOUN
fsr-3902	189	3	,	,	PUNCT
fsr-3902	189	4	a	a	DET
fsr-3902	189	5	short	short	ADJ
fsr-3902	189	6	list	list	NOUN
fsr-3902	189	7	of	of	ADP
fsr-3902	189	8	web	web	NOUN
fsr-3902	189	9	sites	site	NOUN
fsr-3902	189	10	is	be	AUX
fsr-3902	189	11	presented	present	VERB
fsr-3902	189	12	at	at	ADP
fsr-3902	189	13	the	the	DET
fsr-3902	189	14	end	end	NOUN
fsr-3902	189	15	of	of	ADP
fsr-3902	189	16	each	each	DET
fsr-3902	189	17	chapter	chapter	NOUN
fsr-3902	189	18	.	.	PUNCT
fsr-3902	190	1	the	the	DET
fsr-3902	190	2	substantial	substantial	ADJ
fsr-3902	190	3	number	number	NOUN
fsr-3902	190	4	of	of	ADP
fsr-3902	190	5	on	on	ADP
fsr-3902	190	6	-	-	PUNCT
fsr-3902	190	7	line	line	NOUN
fsr-3902	190	8	resources	resource	NOUN
fsr-3902	190	9	is	be	AUX
fsr-3902	190	10	listed	list	VERB
fsr-3902	190	11	in	in	ADP
fsr-3902	190	12	table	table	NOUN
fsr-3902	190	13	2	2	NUM
fsr-3902	190	14	.	.	PUNCT
fsr-3902	191	1	the	the	DET
fsr-3902	191	2	publisher	publisher	NOUN
fsr-3902	191	3	also	also	ADV
fsr-3902	191	4	supports	support	VERB
fsr-3902	191	5	a	a	DET
fsr-3902	191	6	web	web	NOUN
fsr-3902	191	7	site	site	NOUN
fsr-3902	191	8	for	for	ADP
fsr-3902	191	9	the	the	DET
fsr-3902	191	10	book	book	NOUN
fsr-3902	191	11	:	:	PUNCT
fsr-3902	191	12	www.mhhe.com/business/finance/kdh/.	www.mhhe.com/business/finance/kdh/.	PROPN
fsr-3902	191	13	i	i	PRON
fsr-3902	191	14	(	(	PUNCT
fsr-3902	191	15	continued	continue	VERB
fsr-3902	191	16	on	on	ADP
fsr-3902	191	17	next	next	ADJ
fsr-3902	191	18	page	page	NOUN
fsr-3902	191	19	)	)	PUNCT
fsr-3902	191	20	311w	311w	PROPN
fsr-3902	191	21	.	.	PUNCT
fsr-3902	192	1	woerheide	woerheide	NOUN
fsr-3902	192	2	/	/	SYM
fsr-3902	192	3	financial	financial	ADJ
fsr-3902	192	4	services	service	NOUN
fsr-3902	192	5	review	review	VERB
fsr-3902	192	6	8	8	NUM
fsr-3902	192	7	(	(	PUNCT
fsr-3902	192	8	1999	1999	NUM
fsr-3902	192	9	)	)	PUNCT
fsr-3902	192	10	305–317	305–317	NUM
fsr-3902	192	11	transition	transition	NOUN
fsr-3902	192	12	phase	phase	NOUN
fsr-3902	192	13	will	will	AUX
fsr-3902	192	14	be	be	AUX
fsr-3902	192	15	a	a	DET
fsr-3902	192	16	series	series	NOUN
fsr-3902	192	17	of	of	ADP
fsr-3902	192	18	steps	step	NOUN
fsr-3902	192	19	as	as	SCONJ
fsr-3902	192	20	each	each	DET
fsr-3902	192	21	new	new	ADJ
fsr-3902	192	22	edition	edition	NOUN
fsr-3902	192	23	of	of	ADP
fsr-3902	192	24	books	book	NOUN
fsr-3902	192	25	comes	come	VERB
fsr-3902	192	26	out	out	ADV
fsr-3902	192	27	,	,	PUNCT
fsr-3902	192	28	and	and	CCONJ
fsr-3902	192	29	as	as	SCONJ
fsr-3902	192	30	some	some	PRON
fsr-3902	192	31	of	of	ADP
fsr-3902	192	32	the	the	DET
fsr-3902	192	33	books	book	NOUN
fsr-3902	192	34	seek	seek	VERB
fsr-3902	192	35	to	to	PART
fsr-3902	192	36	jump	jump	VERB
fsr-3902	192	37	to	to	ADP
fsr-3902	192	38	the	the	DET
fsr-3902	192	39	lead	lead	NOUN
fsr-3902	192	40	in	in	ADP
fsr-3902	192	41	terms	term	NOUN
fsr-3902	192	42	of	of	ADP
fsr-3902	192	43	what	what	PRON
fsr-3902	192	44	they	they	PRON
fsr-3902	192	45	do	do	AUX
fsr-3902	192	46	with	with	ADP
fsr-3902	192	47	the	the	DET
fsr-3902	192	48	internet	internet	NOUN
fsr-3902	192	49	.	.	PUNCT
fsr-3902	193	1	so	so	ADV
fsr-3902	193	2	,	,	PUNCT
fsr-3902	193	3	what	what	PRON
fsr-3902	193	4	is	be	AUX
fsr-3902	193	5	the	the	DET
fsr-3902	193	6	next	next	ADJ
fsr-3902	193	7	step	step	NOUN
fsr-3902	193	8	?	?	PUNCT
fsr-3902	194	1	first	first	ADV
fsr-3902	194	2	,	,	PUNCT
fsr-3902	194	3	i	i	PRON
fsr-3902	194	4	think	think	VERB
fsr-3902	194	5	most	most	ADJ
fsr-3902	194	6	of	of	ADP
fsr-3902	194	7	the	the	DET
fsr-3902	194	8	books	book	NOUN
fsr-3902	194	9	will	will	AUX
fsr-3902	194	10	move	move	VERB
fsr-3902	194	11	to	to	PART
fsr-3902	194	12	incorporate	incorporate	VERB
fsr-3902	194	13	some	some	PRON
fsr-3902	194	14	or	or	CCONJ
fsr-3902	194	15	all	all	PRON
fsr-3902	194	16	of	of	ADP
fsr-3902	194	17	the	the	DET
fsr-3902	194	18	criteria	criterion	NOUN
fsr-3902	194	19	used	use	VERB
fsr-3902	194	20	to	to	PART
fsr-3902	194	21	define	define	VERB
fsr-3902	194	22	the	the	DET
fsr-3902	194	23	category	category	NOUN
fsr-3902	194	24	i	i	PRON
fsr-3902	194	25	texts	text	VERB
fsr-3902	194	26	.	.	PUNCT
fsr-3902	195	1	that	that	PRON
fsr-3902	195	2	is	be	AUX
fsr-3902	195	3	,	,	PUNCT
fsr-3902	195	4	most	most	ADJ
fsr-3902	195	5	of	of	ADP
fsr-3902	195	6	the	the	DET
fsr-3902	195	7	category	category	NOUN
fsr-3902	195	8	iii	iii	NOUN
fsr-3902	195	9	texts	text	NOUN
fsr-3902	195	10	will	will	AUX
fsr-3902	195	11	at	at	ADV
fsr-3902	195	12	least	least	ADJ
fsr-3902	195	13	move	move	VERB
fsr-3902	195	14	to	to	ADP
fsr-3902	195	15	category	category	PROPN
fsr-3902	195	16	ii	ii	PROPN
fsr-3902	195	17	in	in	ADP
fsr-3902	195	18	terms	term	NOUN
fsr-3902	195	19	of	of	ADP
fsr-3902	195	20	providing	provide	VERB
fsr-3902	195	21	a	a	DET
fsr-3902	195	22	more	more	ADV
fsr-3902	195	23	comprehensive	comprehensive	ADJ
fsr-3902	195	24	set	set	NOUN
fsr-3902	195	25	of	of	ADP
fsr-3902	195	26	links	link	NOUN
fsr-3902	195	27	.	.	PUNCT
fsr-3902	196	1	these	these	DET
fsr-3902	196	2	links	link	NOUN
fsr-3902	196	3	could	could	AUX
fsr-3902	196	4	be	be	AUX
fsr-3902	196	5	provided	provide	VERB
fsr-3902	196	6	in	in	ADP
fsr-3902	196	7	the	the	DET
fsr-3902	196	8	chapters	chapter	NOUN
fsr-3902	196	9	,	,	PUNCT
fsr-3902	196	10	at	at	ADP
fsr-3902	196	11	the	the	DET
fsr-3902	196	12	end	end	NOUN
fsr-3902	196	13	of	of	ADP
fsr-3902	196	14	the	the	DET
fsr-3902	196	15	chapters	chapter	NOUN
fsr-3902	196	16	,	,	PUNCT
fsr-3902	196	17	or	or	CCONJ
fsr-3902	196	18	on	on	ADP
fsr-3902	196	19	a	a	DET
fsr-3902	196	20	publisher	publisher	NOUN
fsr-3902	196	21	sponsored	sponsor	VERB
fsr-3902	196	22	internet	internet	NOUN
fsr-3902	196	23	site	site	NOUN
fsr-3902	196	24	.	.	PUNCT
fsr-3902	197	1	the	the	DET
fsr-3902	197	2	category	category	NOUN
fsr-3902	197	3	ii	ii	NOUN
fsr-3902	197	4	texts	text	NOUN
fsr-3902	197	5	will	will	AUX
fsr-3902	197	6	most	most	ADV
fsr-3902	197	7	likely	likely	ADV
fsr-3902	197	8	move	move	VERB
fsr-3902	197	9	to	to	ADP
fsr-3902	197	10	category	category	NOUN
fsr-3902	197	11	i	i	PRON
fsr-3902	197	12	in	in	ADP
fsr-3902	197	13	that	that	SCONJ
fsr-3902	197	14	they	they	PRON
fsr-3902	197	15	will	will	AUX
fsr-3902	197	16	expand	expand	VERB
fsr-3902	197	17	their	their	PRON
fsr-3902	197	18	use	use	NOUN
fsr-3902	197	19	of	of	ADP
fsr-3902	197	20	links	link	NOUN
fsr-3902	197	21	,	,	PUNCT
fsr-3902	197	22	providing	provide	VERB
fsr-3902	197	23	both	both	DET
fsr-3902	197	24	substantive	substantive	ADJ
fsr-3902	197	25	lists	list	NOUN
fsr-3902	197	26	of	of	ADP
fsr-3902	197	27	links	link	NOUN
fsr-3902	197	28	and	and	CCONJ
fsr-3902	197	29	exercises	exercise	NOUN
fsr-3902	197	30	that	that	PRON
fsr-3902	197	31	are	be	AUX
fsr-3902	197	32	tied	tie	VERB
fsr-3902	197	33	into	into	ADP
fsr-3902	197	34	links	link	NOUN
fsr-3902	197	35	.	.	PUNCT
fsr-3902	198	1	the	the	DET
fsr-3902	198	2	most	most	ADV
fsr-3902	198	3	interesting	interesting	ADJ
fsr-3902	198	4	development	development	NOUN
fsr-3902	198	5	will	will	AUX
fsr-3902	198	6	be	be	AUX
fsr-3902	198	7	what	what	PRON
fsr-3902	198	8	the	the	DET
fsr-3902	198	9	texts	text	NOUN
fsr-3902	198	10	currently	currently	ADV
fsr-3902	198	11	in	in	ADP
fsr-3902	198	12	category	category	NOUN
fsr-3902	198	13	i	i	PRON
fsr-3902	198	14	will	will	AUX
fsr-3902	198	15	have	have	VERB
fsr-3902	198	16	to	to	PART
fsr-3902	198	17	do	do	VERB
fsr-3902	198	18	to	to	PART
fsr-3902	198	19	keep	keep	VERB
fsr-3902	198	20	at	at	ADP
fsr-3902	198	21	the	the	DET
fsr-3902	198	22	front	front	NOUN
fsr-3902	198	23	of	of	ADP
fsr-3902	198	24	the	the	DET
fsr-3902	198	25	pack	pack	NOUN
fsr-3902	198	26	.	.	PUNCT
fsr-3902	199	1	i	i	PRON
fsr-3902	199	2	think	think	VERB
fsr-3902	199	3	the	the	DET
fsr-3902	199	4	next	next	ADJ
fsr-3902	199	5	step	step	NOUN
fsr-3902	199	6	is	be	AUX
fsr-3902	199	7	to	to	PART
fsr-3902	199	8	move	move	VERB
fsr-3902	199	9	from	from	ADP
fsr-3902	199	10	providing	provide	VERB
fsr-3902	199	11	simple	simple	ADJ
fsr-3902	199	12	lists	list	NOUN
fsr-3902	199	13	of	of	ADP
fsr-3902	199	14	internet	internet	NOUN
fsr-3902	199	15	addresses	address	NOUN
fsr-3902	199	16	(	(	PUNCT
fsr-3902	199	17	category	category	NOUN
fsr-3902	199	18	iii	iii	NUM
fsr-3902	199	19	texts	text	NOUN
fsr-3902	199	20	)	)	PUNCT
fsr-3902	199	21	,	,	PUNCT
fsr-3902	199	22	tangentially	tangentially	ADV
fsr-3902	199	23	related	relate	VERB
fsr-3902	199	24	problems	problem	NOUN
fsr-3902	199	25	and	and	CCONJ
fsr-3902	199	26	exercises	exercise	NOUN
fsr-3902	199	27	(	(	PUNCT
fsr-3902	199	28	category	category	NOUN
fsr-3902	199	29	ii	ii	NOUN
fsr-3902	199	30	texts	text	NOUN
fsr-3902	199	31	)	)	PUNCT
fsr-3902	199	32	,	,	PUNCT
fsr-3902	199	33	or	or	CCONJ
fsr-3902	199	34	complex	complex	ADJ
fsr-3902	199	35	web	web	NOUN
fsr-3902	199	36	support	support	NOUN
fsr-3902	199	37	sites	site	NOUN
fsr-3902	199	38	(	(	PUNCT
fsr-3902	199	39	category	category	NOUN
fsr-3902	199	40	i	i	PRON
fsr-3902	199	41	texts	text	NOUN
fsr-3902	199	42	)	)	PUNCT
fsr-3902	199	43	,	,	PUNCT
fsr-3902	199	44	to	to	PART
fsr-3902	199	45	actually	actually	ADV
fsr-3902	199	46	integrating	integrate	VERB
fsr-3902	199	47	web	web	NOUN
fsr-3902	199	48	sites	site	NOUN
fsr-3902	199	49	into	into	ADP
fsr-3902	199	50	the	the	DET
fsr-3902	199	51	presentation	presentation	NOUN
fsr-3902	199	52	of	of	ADP
fsr-3902	199	53	the	the	DET
fsr-3902	199	54	text	text	NOUN
fsr-3902	199	55	material	material	NOUN
fsr-3902	199	56	.	.	PUNCT
fsr-3902	200	1	two	two	NUM
fsr-3902	200	2	examples	example	NOUN
fsr-3902	200	3	are	be	AUX
fsr-3902	200	4	provided	provide	VERB
fsr-3902	200	5	to	to	PART
fsr-3902	200	6	show	show	VERB
fsr-3902	200	7	what	what	PRON
fsr-3902	200	8	this	this	PRON
fsr-3902	200	9	means	mean	VERB
fsr-3902	200	10	.	.	PUNCT
fsr-3902	201	1	7.1	7.1	NUM
fsr-3902	201	2	.	.	PUNCT
fsr-3902	201	3	example	example	NOUN
fsr-3902	202	1	i	i	PRON
fsr-3902	202	2	:	:	PUNCT
fsr-3902	202	3	the	the	DET
fsr-3902	202	4	tax	tax	NOUN
fsr-3902	202	5	chapter	chapter	NOUN
fsr-3902	202	6	most	most	ADV
fsr-3902	202	7	personal	personal	ADJ
fsr-3902	202	8	finance	finance	NOUN
fsr-3902	202	9	texts	text	NOUN
fsr-3902	202	10	provide	provide	VERB
fsr-3902	202	11	a	a	DET
fsr-3902	202	12	figure	figure	NOUN
fsr-3902	202	13	of	of	ADP
fsr-3902	202	14	form	form	NOUN
fsr-3902	202	15	1040	1040	NUM
fsr-3902	202	16	.	.	PUNCT
fsr-3902	203	1	in	in	ADP
fsr-3902	203	2	fact	fact	NOUN
fsr-3902	203	3	,	,	PUNCT
fsr-3902	203	4	by	by	ADP
fsr-3902	203	5	the	the	DET
fsr-3902	203	6	time	time	NOUN
fsr-3902	203	7	most	most	ADJ
fsr-3902	203	8	textbooks	textbook	NOUN
fsr-3902	203	9	are	be	AUX
fsr-3902	203	10	published	publish	VERB
fsr-3902	203	11	,	,	PUNCT
fsr-3902	203	12	the	the	DET
fsr-3902	203	13	form	form	NOUN
fsr-3902	203	14	1040	1040	NUM
fsr-3902	203	15	reproduced	reproduce	VERB
fsr-3902	203	16	in	in	ADP
fsr-3902	203	17	the	the	DET
fsr-3902	203	18	text	text	NOUN
fsr-3902	203	19	is	be	AUX
fsr-3902	203	20	usually	usually	ADV
fsr-3902	203	21	one	one	NUM
fsr-3902	203	22	year	year	NOUN
fsr-3902	203	23	out	out	ADP
fsr-3902	203	24	of	of	ADP
fsr-3902	203	25	date	date	NOUN
fsr-3902	203	26	.	.	PUNCT
fsr-3902	204	1	this	this	DET
fsr-3902	204	2	form	form	NOUN
fsr-3902	204	3	may	may	AUX
fsr-3902	204	4	be	be	AUX
fsr-3902	204	5	obtained	obtain	VERB
fsr-3902	204	6	from	from	ADP
fsr-3902	204	7	at	at	ADV
fsr-3902	204	8	least	least	ADV
fsr-3902	204	9	20	20	NUM
fsr-3902	204	10	different	different	ADJ
fsr-3902	204	11	sites	site	NOUN
fsr-3902	204	12	,	,	PUNCT
fsr-3902	204	13	including	include	VERB
fsr-3902	204	14	the	the	DET
fsr-3902	204	15	irs	irs	PROPN
fsr-3902	204	16	site	site	NOUN
fsr-3902	204	17	(	(	PUNCT
fsr-3902	204	18	www	www	PROPN
fsr-3902	204	19	.	.	PROPN
fsr-3902	204	20	irs.ustreas.gov/prod/forms_pubs/forms.html	irs.ustreas.gov/prod/forms_pubs/forms.html	PROPN
fsr-3902	204	21	)	)	PUNCT
fsr-3902	204	22	.	.	PUNCT
fsr-3902	205	1	if	if	SCONJ
fsr-3902	205	2	a	a	DET
fsr-3902	205	3	text	text	NOUN
fsr-3902	205	4	simply	simply	ADV
fsr-3902	205	5	instructs	instruct	VERB
fsr-3902	205	6	the	the	DET
fsr-3902	205	7	student	student	NOUN
fsr-3902	205	8	to	to	PART
fsr-3902	205	9	view	view	VERB
fsr-3902	205	10	form	form	NOUN
fsr-3902	205	11	1040	1040	NUM
fsr-3902	205	12	at	at	ADP
fsr-3902	205	13	any	any	DET
fsr-3902	205	14	one	one	NUM
fsr-3902	205	15	of	of	ADP
fsr-3902	205	16	several	several	ADJ
fsr-3902	205	17	sites	site	NOUN
fsr-3902	205	18	,	,	PUNCT
fsr-3902	205	19	it	it	PRON
fsr-3902	205	20	would	would	AUX
fsr-3902	205	21	not	not	PART
fsr-3902	205	22	be	be	AUX
fsr-3902	205	23	necessary	necessary	ADJ
fsr-3902	205	24	to	to	PART
fsr-3902	205	25	print	print	VERB
fsr-3902	205	26	it	it	PRON
fsr-3902	205	27	as	as	ADP
fsr-3902	205	28	a	a	DET
fsr-3902	205	29	figure	figure	NOUN
fsr-3902	205	30	in	in	ADP
fsr-3902	205	31	the	the	DET
fsr-3902	205	32	book	book	NOUN
fsr-3902	205	33	.	.	PUNCT
fsr-3902	206	1	table	table	NOUN
fsr-3902	206	2	1(continued	1(continued	NUM
fsr-3902	206	3	)	)	PUNCT
fsr-3902	206	4	authora	authora	PROPN
fsr-3902	206	5	book	book	NOUN
fsr-3902	206	6	(	(	PUNCT
fsr-3902	206	7	publisher	publisher	NOUN
fsr-3902	206	8	)	)	PUNCT
fsr-3902	206	9	copyright	copyright	NOUN
fsr-3902	206	10	internet	internet	NOUN
fsr-3902	206	11	content	content	NOUN
fsr-3902	206	12	category	category	NOUN
fsr-3902	206	13	kwok	kwok	PROPN
fsr-3902	206	14	ho	ho	PROPN
fsr-3902	206	15	,	,	PUNCT
fsr-3902	206	16	grady	grady	PROPN
fsr-3902	206	17	perdue	perdue	PROPN
fsr-3902	206	18	,	,	PUNCT
fsr-3902	206	19	and	and	CCONJ
fsr-3902	206	20	chris	chris	PROPN
fsr-3902	206	21	robinson	robinson	PROPN
fsr-3902	206	22	personal	personal	PROPN
fsr-3902	206	23	financial	financial	PROPN
fsr-3902	206	24	planning	planning	NOUN
fsr-3902	206	25	1998	1998	NUM
fsr-3902	206	26	this	this	DET
fsr-3902	206	27	book	book	NOUN
fsr-3902	206	28	contains	contain	VERB
fsr-3902	206	29	no	no	DET
fsr-3902	206	30	internet	internet	NOUN
fsr-3902	206	31	-	-	PUNCT
fsr-3902	206	32	based	base	VERB
fsr-3902	206	33	material	material	NOUN
fsr-3902	206	34	.	.	PUNCT
fsr-3902	207	1	iii	iii	PROPN
fsr-3902	207	2	lawrence	lawrence	PROPN
fsr-3902	207	3	gitman	gitman	PROPN
fsr-3902	207	4	and	and	CCONJ
fsr-3902	207	5	michael	michael	PROPN
fsr-3902	207	6	joehnk	joehnk	PROPN
fsr-3902	207	7	personal	personal	ADJ
fsr-3902	207	8	financial	financial	ADJ
fsr-3902	207	9	planning	planning	NOUN
fsr-3902	207	10	,	,	PUNCT
fsr-3902	207	11	eighth	eighth	ADJ
fsr-3902	207	12	edition	edition	NOUN
fsr-3902	207	13	(	(	PUNCT
fsr-3902	207	14	dryden	dryden	PROPN
fsr-3902	207	15	press	press	PROPN
fsr-3902	207	16	)	)	PUNCT
fsr-3902	207	17	1999	1999	NUM
fsr-3902	207	18	there	there	PRON
fsr-3902	207	19	are	be	VERB
fsr-3902	207	20	some	some	DET
fsr-3902	207	21	references	reference	NOUN
fsr-3902	207	22	to	to	ADP
fsr-3902	207	23	internet	internet	NOUN
fsr-3902	207	24	addresses	address	NOUN
fsr-3902	207	25	in	in	ADP
fsr-3902	207	26	some	some	PRON
fsr-3902	207	27	of	of	ADP
fsr-3902	207	28	the	the	DET
fsr-3902	207	29	chapters	chapter	NOUN
fsr-3902	207	30	.	.	PUNCT
fsr-3902	208	1	at	at	ADP
fsr-3902	208	2	the	the	DET
fsr-3902	208	3	end	end	NOUN
fsr-3902	208	4	of	of	ADP
fsr-3902	208	5	each	each	DET
fsr-3902	208	6	chapter	chapter	NOUN
fsr-3902	208	7	are	be	AUX
fsr-3902	208	8	exactly	exactly	ADV
fsr-3902	208	9	five	five	NUM
fsr-3902	208	10	exercises	exercise	NOUN
fsr-3902	208	11	,	,	PUNCT
fsr-3902	208	12	each	each	PRON
fsr-3902	208	13	of	of	ADP
fsr-3902	208	14	which	which	PRON
fsr-3902	208	15	provides	provide	VERB
fsr-3902	208	16	an	an	DET
fsr-3902	208	17	address	address	NOUN
fsr-3902	208	18	.	.	PUNCT
fsr-3902	209	1	ii	ii	PROPN
fsr-3902	209	2	e.	e.	PROPN
fsr-3902	209	3	thomas	thomas	PROPN
fsr-3902	209	4	garman	garman	PROPN
fsr-3902	209	5	and	and	CCONJ
fsr-3902	209	6	raymond	raymond	PROPN
fsr-3902	209	7	forgue	forgue	PROPN
fsr-3902	209	8	personal	personal	PROPN
fsr-3902	209	9	finance	finance	NOUN
fsr-3902	209	10	,	,	PUNCT
fsr-3902	209	11	fifth	fifth	ADJ
fsr-3902	209	12	edition	edition	NOUN
fsr-3902	209	13	(	(	PUNCT
fsr-3902	209	14	houghton	houghton	PROPN
fsr-3902	209	15	mifflin	mifflin	PROPN
fsr-3902	209	16	)	)	PUNCT
fsr-3902	209	17	1997	1997	NUM
fsr-3902	209	18	the	the	DET
fsr-3902	209	19	preface	preface	NOUN
fsr-3902	209	20	states	state	VERB
fsr-3902	209	21	that	that	SCONJ
fsr-3902	209	22	:	:	PUNCT
fsr-3902	209	23	“	"	PUNCT
fsr-3902	209	24	every	every	DET
fsr-3902	209	25	chapter	chapter	NOUN
fsr-3902	209	26	offers	offer	VERB
fsr-3902	209	27	internet	internet	NOUN
fsr-3902	209	28	addresses	address	NOUN
fsr-3902	209	29	for	for	ADP
fsr-3902	209	30	businesses	business	NOUN
fsr-3902	209	31	,	,	PUNCT
fsr-3902	209	32	nonprofit	nonprofit	ADJ
fsr-3902	209	33	organizations	organization	NOUN
fsr-3902	209	34	,	,	PUNCT
fsr-3902	209	35	and	and	CCONJ
fsr-3902	209	36	government	government	NOUN
fsr-3902	209	37	agencies	agency	NOUN
fsr-3902	209	38	useful	useful	ADJ
fsr-3902	209	39	to	to	ADP
fsr-3902	209	40	the	the	DET
fsr-3902	209	41	student	student	NOUN
fsr-3902	209	42	of	of	ADP
fsr-3902	209	43	personal	personal	ADJ
fsr-3902	209	44	finance	finance	NOUN
fsr-3902	209	45	.	.	PUNCT
fsr-3902	210	1	web	web	NOUN
fsr-3902	210	2	sites	site	NOUN
fsr-3902	210	3	are	be	AUX
fsr-3902	210	4	indexed	index	VERB
fsr-3902	210	5	for	for	ADP
fsr-3902	210	6	convenience	convenience	NOUN
fsr-3902	210	7	.	.	PUNCT
fsr-3902	210	8	”	"	PUNCT
fsr-3902	211	1	however	however	ADV
fsr-3902	211	2	,	,	PUNCT
fsr-3902	211	3	almost	almost	ADV
fsr-3902	211	4	no	no	PRON
fsr-3902	211	5	such	such	ADJ
fsr-3902	211	6	addresses	address	NOUN
fsr-3902	211	7	were	be	AUX
fsr-3902	211	8	found	find	VERB
fsr-3902	211	9	.	.	PUNCT
fsr-3902	212	1	iii	iii	X
fsr-3902	212	2	louis	louis	PROPN
fsr-3902	212	3	boone	boone	PROPN
fsr-3902	212	4	,	,	PUNCT
fsr-3902	212	5	david	david	PROPN
fsr-3902	212	6	kurtz	kurtz	PROPN
fsr-3902	212	7	,	,	PUNCT
fsr-3902	212	8	and	and	CCONJ
fsr-3902	212	9	douglas	douglas	PROPN
fsr-3902	212	10	hearth	hearth	NOUN
fsr-3902	212	11	planning	plan	VERB
fsr-3902	212	12	your	your	PRON
fsr-3902	212	13	financial	financial	ADJ
fsr-3902	212	14	future	future	NOUN
fsr-3902	212	15	(	(	PUNCT
fsr-3902	212	16	dryden	dryden	PROPN
fsr-3902	212	17	press	press	PROPN
fsr-3902	212	18	)	)	PUNCT
fsr-3902	212	19	1997	1997	NUM
fsr-3902	212	20	the	the	DET
fsr-3902	212	21	preface	preface	NOUN
fsr-3902	212	22	states	state	VERB
fsr-3902	212	23	that	that	SCONJ
fsr-3902	212	24	:	:	PUNCT
fsr-3902	212	25	“	"	PUNCT
fsr-3902	212	26	we	we	PRON
fsr-3902	212	27	integrate	integrate	VERB
fsr-3902	212	28	the	the	DET
fsr-3902	212	29	personal	personal	ADJ
fsr-3902	212	30	computer	computer	NOUN
fsr-3902	212	31	throughout	throughout	ADP
fsr-3902	212	32	the	the	DET
fsr-3902	212	33	text	text	NOUN
fsr-3902	212	34	.	.	PUNCT
fsr-3902	213	1	we	we	PRON
fsr-3902	213	2	highlight	highlight	VERB
fsr-3902	213	3	personal	personal	ADJ
fsr-3902	213	4	-	-	PUNCT
fsr-3902	213	5	finance	finance	NOUN
fsr-3902	213	6	computer	computer	NOUN
fsr-3902	213	7	sosftware	sosftware	NOUN
fsr-3902	213	8	and	and	CCONJ
fsr-3902	213	9	internet	internet	NOUN
fsr-3902	213	10	resources	resource	NOUN
fsr-3902	213	11	.	.	PUNCT
fsr-3902	213	12	”	"	PUNCT
fsr-3902	214	1	i	i	PRON
fsr-3902	214	2	found	find	VERB
fsr-3902	214	3	only	only	ADV
fsr-3902	214	4	one	one	NUM
fsr-3902	214	5	page	page	NOUN
fsr-3902	214	6	that	that	PRON
fsr-3902	214	7	contained	contain	VERB
fsr-3902	214	8	internet	internet	NOUN
fsr-3902	214	9	addresses	address	NOUN
fsr-3902	214	10	,	,	PUNCT
fsr-3902	214	11	and	and	CCONJ
fsr-3902	214	12	this	this	PRON
fsr-3902	214	13	had	have	VERB
fsr-3902	214	14	seven	seven	NUM
fsr-3902	214	15	addresses	address	NOUN
fsr-3902	214	16	.	.	PUNCT
fsr-3902	215	1	iii	iii	X
fsr-3902	215	2	a	a	DET
fsr-3902	215	3	the	the	DET
fsr-3902	215	4	authors	author	NOUN
fsr-3902	215	5	are	be	AUX
fsr-3902	215	6	listed	list	VERB
fsr-3902	215	7	in	in	ADP
fsr-3902	215	8	reverse	reverse	ADJ
fsr-3902	215	9	alphabetical	alphabetical	ADJ
fsr-3902	215	10	order	order	NOUN
fsr-3902	215	11	,	,	PUNCT
fsr-3902	215	12	a	a	DET
fsr-3902	215	13	sequence	sequence	NOUN
fsr-3902	215	14	that	that	PRON
fsr-3902	215	15	should	should	AUX
fsr-3902	215	16	be	be	AUX
fsr-3902	215	17	used	use	VERB
fsr-3902	215	18	more	more	ADV
fsr-3902	215	19	often	often	ADV
fsr-3902	215	20	to	to	PART
fsr-3902	215	21	eliminate	eliminate	VERB
fsr-3902	215	22	discrimination	discrimination	NOUN
fsr-3902	215	23	against	against	ADP
fsr-3902	215	24	people	people	NOUN
fsr-3902	215	25	whose	whose	DET
fsr-3902	215	26	names	name	NOUN
fsr-3902	215	27	start	start	VERB
fsr-3902	215	28	with	with	ADP
fsr-3902	215	29	letters	letter	NOUN
fsr-3902	215	30	near	near	ADP
fsr-3902	215	31	the	the	DET
fsr-3902	215	32	end	end	NOUN
fsr-3902	215	33	of	of	ADP
fsr-3902	215	34	the	the	DET
fsr-3902	215	35	alphabet	alphabet	NOUN
fsr-3902	215	36	.	.	PUNCT
fsr-3902	216	1	312	312	NUM
fsr-3902	216	2	w.	w.	PROPN
fsr-3902	216	3	woerheide	woerheide	PROPN
fsr-3902	216	4	/	/	SYM
fsr-3902	216	5	financial	financial	ADJ
fsr-3902	216	6	services	service	NOUN
fsr-3902	216	7	review	review	VERB
fsr-3902	216	8	8	8	NUM
fsr-3902	216	9	(	(	PUNCT
fsr-3902	216	10	1999	1999	NUM
fsr-3902	216	11	)	)	PUNCT
fsr-3902	216	12	305–317	305–317	NUM
fsr-3902	216	13	most	most	ADJ
fsr-3902	216	14	personal	personal	ADJ
fsr-3902	216	15	finance	finance	NOUN
fsr-3902	216	16	texts	text	NOUN
fsr-3902	216	17	include	include	VERB
fsr-3902	216	18	a	a	DET
fsr-3902	216	19	table	table	NOUN
fsr-3902	216	20	showing	show	VERB
fsr-3902	216	21	the	the	DET
fsr-3902	216	22	tax	tax	NOUN
fsr-3902	216	23	rate	rate	NOUN
fsr-3902	216	24	schedules	schedule	NOUN
fsr-3902	216	25	.	.	PUNCT
fsr-3902	217	1	the	the	DET
fsr-3902	217	2	tax	tax	NOUN
fsr-3902	217	3	rate	rate	NOUN
fsr-3902	217	4	schedules	schedule	NOUN
fsr-3902	217	5	show	show	VERB
fsr-3902	217	6	the	the	DET
fsr-3902	217	7	tax	tax	NOUN
fsr-3902	217	8	due	due	ADJ
fsr-3902	217	9	and	and	CCONJ
fsr-3902	217	10	the	the	DET
fsr-3902	217	11	marginal	marginal	ADJ
fsr-3902	217	12	tax	tax	NOUN
fsr-3902	217	13	rates	rate	NOUN
fsr-3902	217	14	for	for	ADP
fsr-3902	217	15	each	each	DET
fsr-3902	217	16	income	income	NOUN
fsr-3902	217	17	level	level	NOUN
fsr-3902	217	18	and	and	CCONJ
fsr-3902	217	19	each	each	DET
fsr-3902	217	20	filing	filing	NOUN
fsr-3902	217	21	status	status	NOUN
fsr-3902	217	22	.	.	PUNCT
fsr-3902	218	1	as	as	ADP
fsr-3902	218	2	with	with	ADP
fsr-3902	218	3	form	form	NOUN
fsr-3902	218	4	1040	1040	NUM
fsr-3902	218	5	,	,	PUNCT
fsr-3902	218	6	the	the	DET
fsr-3902	218	7	current	current	ADJ
fsr-3902	218	8	version	version	NOUN
fsr-3902	218	9	of	of	ADP
fsr-3902	218	10	these	these	DET
fsr-3902	218	11	tables	table	NOUN
fsr-3902	218	12	is	be	AUX
fsr-3902	218	13	available	available	ADJ
fsr-3902	218	14	on	on	ADP
fsr-3902	218	15	the	the	DET
fsr-3902	218	16	internet	internet	NOUN
fsr-3902	218	17	(	(	PUNCT
fsr-3902	218	18	www.irs.ustreas.gov/prod/ind_info/tax_tables/tax_sched.html	www.irs.ustreas.gov/prod/ind_info/tax_tables/tax_sched.html	PROPN
fsr-3902	218	19	)	)	PUNCT
fsr-3902	218	20	.	.	PUNCT
fsr-3902	219	1	by	by	ADP
fsr-3902	219	2	directing	direct	VERB
fsr-3902	219	3	the	the	DET
fsr-3902	219	4	student	student	NOUN
fsr-3902	219	5	to	to	ADP
fsr-3902	219	6	the	the	DET
fsr-3902	219	7	web	web	NOUN
fsr-3902	219	8	site	site	NOUN
fsr-3902	219	9	with	with	ADP
fsr-3902	219	10	these	these	DET
fsr-3902	219	11	tables	table	NOUN
fsr-3902	219	12	,	,	PUNCT
fsr-3902	219	13	a	a	DET
fsr-3902	219	14	book	book	NOUN
fsr-3902	219	15	immediately	immediately	ADV
fsr-3902	219	16	eliminates	eliminate	VERB
fsr-3902	219	17	one	one	NUM
fsr-3902	219	18	factor	factor	NOUN
fsr-3902	219	19	contributing	contribute	VERB
fsr-3902	219	20	toward	toward	ADP
fsr-3902	219	21	obsolescence	obsolescence	NOUN
fsr-3902	219	22	.	.	PUNCT
fsr-3902	220	1	7.2	7.2	NUM
fsr-3902	220	2	.	.	PUNCT
fsr-3902	220	3	example	example	NOUN
fsr-3902	220	4	ii	ii	PROPN
fsr-3902	220	5	:	:	PUNCT
fsr-3902	220	6	the	the	DET
fsr-3902	220	7	housing	housing	NOUN
fsr-3902	220	8	chapter	chapter	NOUN
fsr-3902	220	9	a	a	DET
fsr-3902	220	10	critical	critical	ADJ
fsr-3902	220	11	decision	decision	NOUN
fsr-3902	220	12	that	that	PRON
fsr-3902	220	13	many	many	ADJ
fsr-3902	220	14	people	people	NOUN
fsr-3902	220	15	must	must	AUX
fsr-3902	220	16	make	make	VERB
fsr-3902	220	17	at	at	ADV
fsr-3902	220	18	least	least	ADJ
fsr-3902	220	19	once	once	ADV
fsr-3902	220	20	in	in	ADP
fsr-3902	220	21	their	their	PRON
fsr-3902	220	22	lives	life	NOUN
fsr-3902	220	23	is	be	AUX
fsr-3902	220	24	whether	whether	SCONJ
fsr-3902	220	25	they	they	PRON
fsr-3902	220	26	should	should	AUX
fsr-3902	220	27	buy	buy	VERB
fsr-3902	220	28	or	or	CCONJ
fsr-3902	220	29	rent	rent	VERB
fsr-3902	220	30	.	.	PUNCT
fsr-3902	221	1	the	the	DET
fsr-3902	221	2	topic	topic	NOUN
fsr-3902	221	3	is	be	AUX
fsr-3902	221	4	discussed	discuss	VERB
fsr-3902	221	5	in	in	ADP
fsr-3902	221	6	most	most	ADJ
fsr-3902	221	7	textbooks	textbook	NOUN
fsr-3902	221	8	,	,	PUNCT
fsr-3902	221	9	but	but	CCONJ
fsr-3902	221	10	this	this	DET
fsr-3902	221	11	author	author	NOUN
fsr-3902	221	12	is	be	AUX
fsr-3902	221	13	not	not	PART
fsr-3902	221	14	aware	aware	ADJ
fsr-3902	221	15	of	of	ADP
fsr-3902	221	16	any	any	DET
fsr-3902	221	17	books	book	NOUN
fsr-3902	221	18	that	that	PRON
fsr-3902	221	19	work	work	VERB
fsr-3902	221	20	out	out	ADP
fsr-3902	221	21	an	an	DET
fsr-3902	221	22	extensive	extensive	ADJ
fsr-3902	221	23	,	,	PUNCT
fsr-3902	221	24	time	time	NOUN
fsr-3902	221	25	value	value	NOUN
fsr-3902	221	26	based	base	VERB
fsr-3902	221	27	problem	problem	NOUN
fsr-3902	221	28	or	or	CCONJ
fsr-3902	221	29	exercise	exercise	VERB
fsr-3902	221	30	for	for	ADP
fsr-3902	221	31	the	the	DET
fsr-3902	221	32	financial	financial	ADJ
fsr-3902	221	33	table	table	NOUN
fsr-3902	221	34	2	2	NUM
fsr-3902	221	35	specific	specific	ADJ
fsr-3902	221	36	comparisons	comparison	NOUN
fsr-3902	221	37	of	of	ADP
fsr-3902	221	38	internet	internet	NOUN
fsr-3902	221	39	-	-	PUNCT
fsr-3902	221	40	material	material	NOUN
fsr-3902	221	41	authors	author	NOUN
fsr-3902	221	42	end	end	VERB
fsr-3902	221	43	of	of	ADP
fsr-3902	221	44	chapter	chapter	NOUN
fsr-3902	221	45	listings	listing	NOUN
fsr-3902	221	46	chapter	chapter	NOUN
fsr-3902	221	47	-	-	PUNCT
fsr-3902	221	48	related	relate	VERB
fsr-3902	221	49	exercises	exercise	NOUN
fsr-3902	221	50	on	on	ADP
fsr-3902	221	51	-	-	PUNCT
fsr-3902	221	52	line	line	NOUN
fsr-3902	221	53	links	link	NOUN
fsr-3902	221	54	other	other	ADJ
fsr-3902	221	55	material	material	NOUN
fsr-3902	221	56	on	on	ADP
fsr-3902	221	57	-	-	PUNCT
fsr-3902	221	58	line	line	NOUN
fsr-3902	221	59	winger	winger	NOUN
fsr-3902	221	60	&	&	CCONJ
fsr-3902	221	61	frasca	frasca	PROPN
fsr-3902	221	62	113	113	NUM
fsr-3902	221	63	101	101	NUM
fsr-3902	221	64	(	(	PUNCT
fsr-3902	221	65	on	on	ADP
fsr-3902	221	66	-	-	PUNCT
fsr-3902	221	67	line	line	NOUN
fsr-3902	221	68	)	)	PUNCT
fsr-3902	221	69	383	383	NUM
fsr-3902	221	70	spreadsheet	spreadsheet	NOUN
fsr-3902	221	71	templates	template	NOUN
fsr-3902	221	72	,	,	PUNCT
fsr-3902	221	73	powerpoint	powerpoint	NOUN
fsr-3902	221	74	presentations	presentation	NOUN
fsr-3902	221	75	,	,	PUNCT
fsr-3902	221	76	what	what	PRON
fsr-3902	221	77	’s	’	VERB
fsr-3902	221	78	new	new	ADJ
fsr-3902	221	79	section	section	NOUN
fsr-3902	221	80	rosefsky	rosefsky	NOUN
fsr-3902	221	81	2	2	NUM
fsr-3902	221	82	163	163	NUM
fsr-3902	221	83	(	(	PUNCT
fsr-3902	221	84	on	on	ADP
fsr-3902	221	85	-	-	PUNCT
fsr-3902	221	86	line	line	NOUN
fsr-3902	221	87	)	)	PUNCT
fsr-3902	221	88	2	2	NUM
fsr-3902	221	89	decision	decision	NOUN
fsr-3902	221	90	maker	maker	NOUN
fsr-3902	221	91	software	software	NOUN
fsr-3902	221	92	,	,	PUNCT
fsr-3902	221	93	business	business	NOUN
fsr-3902	221	94	extra	extra	ADJ
fsr-3902	221	95	site	site	NOUN
fsr-3902	221	96	,	,	PUNCT
fsr-3902	221	97	rosefsky	rosefsky	PROPN
fsr-3902	221	98	’s	’s	PART
fsr-3902	221	99	newsletter	newsletter	NOUN
fsr-3902	221	100	&	&	CCONJ
fsr-3902	221	101	updates	update	VERB
fsr-3902	221	102	ramaglia	ramaglia	PROPN
fsr-3902	221	103	&	&	CCONJ
fsr-3902	221	104	macdonald	macdonald	PROPN
fsr-3902	221	105	75	75	NUM
fsr-3902	221	106	2	2	NUM
fsr-3902	221	107	2	2	NUM
fsr-3902	221	108	powerpoint	powerpoint	NOUN
fsr-3902	221	109	prersentations	prersentation	NOUN
fsr-3902	221	110	keown	keown	PROPN
fsr-3902	221	111	112	112	NUM
fsr-3902	221	112	148	148	NUM
fsr-3902	221	113	(	(	PUNCT
fsr-3902	221	114	on	on	ADP
fsr-3902	221	115	-	-	PUNCT
fsr-3902	221	116	line	line	NOUN
fsr-3902	221	117	)	)	PUNCT
fsr-3902	221	118	60	60	NUM
fsr-3902	221	119	hot	hot	ADJ
fsr-3902	221	120	topics	topic	NOUN
fsr-3902	221	121	,	,	PUNCT
fsr-3902	221	122	articles	article	NOUN
fsr-3902	221	123	from	from	ADP
fsr-3902	221	124	kiplinger	kiplinger	PROPN
fsr-3902	221	125	’s	’s	PART
fsr-3902	221	126	,	,	PUNCT
fsr-3902	221	127	fun	fun	ADJ
fsr-3902	221	128	button	button	NOUN
fsr-3902	221	129	kapoor	kapoor	PROPN
fsr-3902	221	130	,	,	PUNCT
fsr-3902	221	131	dlabay	dlabay	NOUN
fsr-3902	221	132	,	,	PUNCT
fsr-3902	221	133	&	&	CCONJ
fsr-3902	221	134	hughes	hughes	PROPN
fsr-3902	221	135	222	222	NUM
fsr-3902	221	136	2	2	NUM
fsr-3902	221	137	136	136	NUM
fsr-3902	221	138	powerpoint	powerpoint	NOUN
fsr-3902	221	139	presentations	presentation	NOUN
fsr-3902	221	140	,	,	PUNCT
fsr-3902	221	141	instructor	instructor	NOUN
fsr-3902	221	142	’s	’s	PART
fsr-3902	221	143	manual	manual	NOUN
fsr-3902	221	144	,	,	PUNCT
fsr-3902	221	145	personal	personal	ADJ
fsr-3902	221	146	finance	finance	NOUN
fsr-3902	221	147	links	link	NOUN
fsr-3902	221	148	(	(	PUNCT
fsr-3902	221	149	which	which	PRON
fsr-3902	221	150	are	be	AUX
fsr-3902	221	151	grouped	group	VERB
fsr-3902	221	152	by	by	ADP
fsr-3902	221	153	topic	topic	NOUN
fsr-3902	221	154	area	area	NOUN
fsr-3902	221	155	)	)	PUNCT
fsr-3902	221	156	,	,	PUNCT
fsr-3902	221	157	pfp	pfp	PROPN
fsr-3902	221	158	software	software	NOUN
fsr-3902	221	159	(	(	PUNCT
fsr-3902	221	160	which	which	PRON
fsr-3902	221	161	allows	allow	VERB
fsr-3902	221	162	for	for	ADP
fsr-3902	221	163	downloading	download	VERB
fsr-3902	221	164	the	the	DET
fsr-3902	221	165	software	software	NOUN
fsr-3902	221	166	planning	planning	NOUN
fsr-3902	221	167	package	package	NOUN
fsr-3902	221	168	that	that	PRON
fsr-3902	221	169	accompanies	accompany	VERB
fsr-3902	221	170	the	the	DET
fsr-3902	221	171	text	text	NOUN
fsr-3902	221	172	,	,	PUNCT
fsr-3902	221	173	and	and	CCONJ
fsr-3902	221	174	s&p	s&p	PROPN
fsr-3902	221	175	personal	personal	ADJ
fsr-3902	221	176	wealth	wealth	NOUN
fsr-3902	221	177	(	(	PUNCT
fsr-3902	221	178	which	which	PRON
fsr-3902	221	179	is	be	AUX
fsr-3902	221	180	a	a	DET
fsr-3902	221	181	stock	stock	NOUN
fsr-3902	221	182	market	market	NOUN
fsr-3902	221	183	based	base	VERB
fsr-3902	221	184	web	web	NOUN
fsr-3902	221	185	site	site	NOUN
fsr-3902	221	186	)	)	PUNCT
fsr-3902	221	187	,	,	PUNCT
fsr-3902	221	188	and	and	CCONJ
fsr-3902	221	189	an	an	DET
fsr-3902	221	190	on	on	ADP
fsr-3902	221	191	-	-	PUNCT
fsr-3902	221	192	line	line	NOUN
fsr-3902	221	193	learning	learn	VERB
fsr-3902	221	194	center	center	NOUN
fsr-3902	221	195	.	.	PUNCT
fsr-3902	222	1	for	for	ADP
fsr-3902	222	2	each	each	DET
fsr-3902	222	3	chapter	chapter	NOUN
fsr-3902	222	4	,	,	PUNCT
fsr-3902	222	5	this	this	DET
fsr-3902	222	6	learning	learning	NOUN
fsr-3902	222	7	center	center	NOUN
fsr-3902	222	8	provides	provide	VERB
fsr-3902	222	9	chapter	chapter	NOUN
fsr-3902	222	10	overview	overview	NOUN
fsr-3902	222	11	,	,	PUNCT
fsr-3902	222	12	learning	learn	VERB
fsr-3902	222	13	objectives	objective	NOUN
fsr-3902	222	14	,	,	PUNCT
fsr-3902	222	15	key	key	ADJ
fsr-3902	222	16	terms	term	NOUN
fsr-3902	222	17	,	,	PUNCT
fsr-3902	222	18	powerpoint	powerpoint	NOUN
fsr-3902	222	19	,	,	PUNCT
fsr-3902	222	20	pretest	pretest	NOUN
fsr-3902	222	21	,	,	PUNCT
fsr-3902	222	22	post	post	NOUN
fsr-3902	222	23	test	test	NOUN
fsr-3902	222	24	,	,	PUNCT
fsr-3902	222	25	supplementary	supplementary	ADJ
fsr-3902	222	26	cases	case	NOUN
fsr-3902	222	27	,	,	PUNCT
fsr-3902	222	28	supplementary	supplementary	ADJ
fsr-3902	222	29	reading	reading	NOUN
fsr-3902	222	30	,	,	PUNCT
fsr-3902	222	31	study	study	NOUN
fsr-3902	222	32	questions	question	NOUN
fsr-3902	222	33	,	,	PUNCT
fsr-3902	222	34	related	related	ADJ
fsr-3902	222	35	web	web	NOUN
fsr-3902	222	36	sites	site	NOUN
fsr-3902	222	37	,	,	PUNCT
fsr-3902	222	38	summary	summary	NOUN
fsr-3902	222	39	,	,	PUNCT
fsr-3902	222	40	and	and	CCONJ
fsr-3902	222	41	spanish	spanish	ADJ
fsr-3902	222	42	english	english	ADJ
fsr-3902	222	43	glossary	glossary	NOUN
fsr-3902	222	44	.	.	PUNCT
fsr-3902	223	1	ho	ho	PROPN
fsr-3902	223	2	,	,	PUNCT
fsr-3902	223	3	perdue	perdue	ADJ
fsr-3902	223	4	,	,	PUNCT
fsr-3902	223	5	&	&	CCONJ
fsr-3902	223	6	robinson	robinson	PROPN
fsr-3902	223	7	2	2	NUM
fsr-3902	223	8	2	2	NUM
fsr-3902	223	9	2	2	NUM
fsr-3902	223	10	2	2	NUM
fsr-3902	223	11	gitman	gitman	NOUN
fsr-3902	223	12	&	&	CCONJ
fsr-3902	223	13	joehnk	joehnk	PROPN
fsr-3902	223	14	(	(	PUNCT
fsr-3902	223	15	see	see	VERB
fsr-3902	223	16	chapter	chapter	NOUN
fsr-3902	223	17	related	relate	VERB
fsr-3902	223	18	exercises	exercise	NOUN
fsr-3902	223	19	)	)	PUNCT
fsr-3902	223	20	75	75	NUM
fsr-3902	223	21	(	(	PUNCT
fsr-3902	223	22	in	in	ADP
fsr-3902	223	23	book	book	NOUN
fsr-3902	223	24	)	)	PUNCT
fsr-3902	223	25	2	2	NUM
fsr-3902	223	26	2	2	NUM
fsr-3902	223	27	gitman	gitman	NOUN
fsr-3902	223	28	&	&	CCONJ
fsr-3902	223	29	forgue	forgue	PROPN
fsr-3902	223	30	3	3	NUM
fsr-3902	223	31	2	2	NUM
fsr-3902	223	32	2	2	NUM
fsr-3902	223	33	2	2	NUM
fsr-3902	223	34	boone	boone	NOUN
fsr-3902	223	35	,	,	PUNCT
fsr-3902	223	36	kurtz	kurtz	PROPN
fsr-3902	223	37	,	,	PUNCT
fsr-3902	223	38	&	&	CCONJ
fsr-3902	223	39	hearth	hearth	VERB
fsr-3902	223	40	7	7	NUM
fsr-3902	223	41	2	2	NUM
fsr-3902	223	42	2	2	NUM
fsr-3902	223	43	2	2	NUM
fsr-3902	223	44	313w	313w	NUM
fsr-3902	223	45	.	.	PUNCT
fsr-3902	224	1	woerheide	woerheide	NOUN
fsr-3902	224	2	/	/	SYM
fsr-3902	224	3	financial	financial	ADJ
fsr-3902	224	4	services	service	NOUN
fsr-3902	224	5	review	review	VERB
fsr-3902	224	6	8	8	NUM
fsr-3902	224	7	(	(	PUNCT
fsr-3902	224	8	1999	1999	NUM
fsr-3902	224	9	)	)	PUNCT
fsr-3902	224	10	305–317	305–317	NUM
fsr-3902	224	11	solution	solution	NOUN
fsr-3902	224	12	to	to	ADP
fsr-3902	224	13	this	this	DET
fsr-3902	224	14	problem	problem	NOUN
fsr-3902	224	15	.	.	PUNCT
fsr-3902	225	1	this	this	DET
fsr-3902	225	2	author	author	NOUN
fsr-3902	225	3	used	use	VERB
fsr-3902	225	4	to	to	PART
fsr-3902	225	5	do	do	VERB
fsr-3902	225	6	this	this	PRON
fsr-3902	225	7	in	in	ADP
fsr-3902	225	8	his	his	PRON
fsr-3902	225	9	lecture	lecture	NOUN
fsr-3902	225	10	on	on	ADP
fsr-3902	225	11	housing	housing	NOUN
fsr-3902	225	12	.	.	PUNCT
fsr-3902	226	1	the	the	DET
fsr-3902	226	2	presentation	presentation	NOUN
fsr-3902	226	3	of	of	ADP
fsr-3902	226	4	the	the	DET
fsr-3902	226	5	necessary	necessary	ADJ
fsr-3902	226	6	assumptions	assumption	NOUN
fsr-3902	226	7	(	(	PUNCT
fsr-3902	226	8	and	and	CCONJ
fsr-3902	226	9	a	a	DET
fsr-3902	226	10	nontrivial	nontrivial	ADJ
fsr-3902	226	11	exercise	exercise	NOUN
fsr-3902	226	12	requires	require	VERB
fsr-3902	226	13	quite	quite	DET
fsr-3902	226	14	a	a	DET
fsr-3902	226	15	few	few	ADJ
fsr-3902	226	16	assumptions	assumption	NOUN
fsr-3902	226	17	)	)	PUNCT
fsr-3902	226	18	,	,	PUNCT
fsr-3902	226	19	the	the	DET
fsr-3902	226	20	step	step	NOUN
fsr-3902	226	21	by	by	ADP
fsr-3902	226	22	step	step	NOUN
fsr-3902	226	23	process	process	NOUN
fsr-3902	226	24	of	of	ADP
fsr-3902	226	25	deriving	derive	VERB
fsr-3902	226	26	the	the	DET
fsr-3902	226	27	numbers	number	NOUN
fsr-3902	226	28	one	one	NUM
fsr-3902	226	29	needs	need	VERB
fsr-3902	226	30	to	to	PART
fsr-3902	226	31	know	know	VERB
fsr-3902	226	32	,	,	PUNCT
fsr-3902	226	33	and	and	CCONJ
fsr-3902	226	34	the	the	DET
fsr-3902	226	35	present	present	ADJ
fsr-3902	226	36	value	value	NOUN
fsr-3902	226	37	application	application	NOUN
fsr-3902	226	38	for	for	ADP
fsr-3902	226	39	the	the	DET
fsr-3902	226	40	solution	solution	NOUN
fsr-3902	226	41	would	would	AUX
fsr-3902	226	42	typically	typically	ADV
fsr-3902	226	43	take	take	VERB
fsr-3902	226	44	at	at	ADV
fsr-3902	226	45	least	least	ADV
fsr-3902	226	46	45	45	NUM
fsr-3902	226	47	min	min	NOUN
fsr-3902	226	48	.	.	PUNCT
fsr-3902	227	1	now	now	ADV
fsr-3902	227	2	,	,	PUNCT
fsr-3902	227	3	i	i	PRON
fsr-3902	227	4	go	go	VERB
fsr-3902	227	5	to	to	ADP
fsr-3902	227	6	a	a	DET
fsr-3902	227	7	web	web	NOUN
fsr-3902	227	8	calculator	calculator	NOUN
fsr-3902	227	9	that	that	PRON
fsr-3902	227	10	provides	provide	VERB
fsr-3902	227	11	this	this	DET
fsr-3902	227	12	solution	solution	NOUN
fsr-3902	227	13	(	(	PUNCT
fsr-3902	227	14	www.calcbuilder.com/cgi-bin/calcs/	www.calcbuilder.com/cgi-bin/calcs/	PROPN
fsr-3902	227	15	hom10.cgi/financenter	hom10.cgi/financenter	PROPN
fsr-3902	227	16	)	)	PUNCT
fsr-3902	227	17	.	.	PUNCT
fsr-3902	228	1	this	this	DET
fsr-3902	228	2	calculator	calculator	NOUN
fsr-3902	228	3	not	not	PART
fsr-3902	228	4	only	only	ADV
fsr-3902	228	5	provides	provide	VERB
fsr-3902	228	6	the	the	DET
fsr-3902	228	7	financial	financial	ADJ
fsr-3902	228	8	answer	answer	NOUN
fsr-3902	228	9	in	in	ADP
fsr-3902	228	10	present	present	ADJ
fsr-3902	228	11	value	value	NOUN
fsr-3902	228	12	terms	term	NOUN
fsr-3902	228	13	,	,	PUNCT
fsr-3902	228	14	but	but	CCONJ
fsr-3902	228	15	it	it	PRON
fsr-3902	228	16	also	also	ADV
fsr-3902	228	17	gives	give	VERB
fsr-3902	228	18	several	several	ADJ
fsr-3902	228	19	critical	critical	ADJ
fsr-3902	228	20	graphs	graph	NOUN
fsr-3902	228	21	that	that	PRON
fsr-3902	228	22	show	show	VERB
fsr-3902	228	23	the	the	DET
fsr-3902	228	24	importance	importance	NOUN
fsr-3902	228	25	of	of	ADP
fsr-3902	228	26	key	key	ADJ
fsr-3902	228	27	variables	variable	NOUN
fsr-3902	228	28	to	to	ADP
fsr-3902	228	29	the	the	DET
fsr-3902	228	30	solution	solution	NOUN
fsr-3902	228	31	of	of	ADP
fsr-3902	228	32	the	the	DET
fsr-3902	228	33	problem	problem	NOUN
fsr-3902	228	34	.	.	PUNCT
fsr-3902	229	1	the	the	DET
fsr-3902	229	2	buy	buy	NOUN
fsr-3902	229	3	versus	versus	ADP
fsr-3902	229	4	rent	rent	NOUN
fsr-3902	229	5	decision	decision	NOUN
fsr-3902	229	6	can	can	AUX
fsr-3902	229	7	now	now	ADV
fsr-3902	229	8	be	be	AUX
fsr-3902	229	9	thoroughly	thoroughly	ADV
fsr-3902	229	10	discussed	discuss	VERB
fsr-3902	229	11	in	in	ADP
fsr-3902	229	12	about	about	ADV
fsr-3902	229	13	15	15	NUM
fsr-3902	229	14	min	min	NOUN
fsr-3902	229	15	,	,	PUNCT
fsr-3902	229	16	and	and	CCONJ
fsr-3902	229	17	the	the	DET
fsr-3902	229	18	topic	topic	NOUN
fsr-3902	229	19	more	more	ADV
fsr-3902	229	20	completely	completely	ADV
fsr-3902	229	21	analyzed	analyze	VERB
fsr-3902	229	22	than	than	SCONJ
fsr-3902	229	23	it	it	PRON
fsr-3902	229	24	ever	ever	ADV
fsr-3902	229	25	has	have	AUX
fsr-3902	229	26	been	be	AUX
fsr-3902	229	27	before	before	ADV
fsr-3902	229	28	,	,	PUNCT
fsr-3902	229	29	including	include	VERB
fsr-3902	229	30	what	what	PRON
fsr-3902	229	31	-	-	PUNCT
fsr-3902	229	32	if	if	SCONJ
fsr-3902	229	33	scenarios	scenario	NOUN
fsr-3902	229	34	.	.	PUNCT
fsr-3902	230	1	the	the	DET
fsr-3902	230	2	incorporation	incorporation	NOUN
fsr-3902	230	3	of	of	ADP
fsr-3902	230	4	a	a	DET
fsr-3902	230	5	web	web	NOUN
fsr-3902	230	6	site	site	NOUN
fsr-3902	230	7	such	such	ADJ
fsr-3902	230	8	as	as	ADP
fsr-3902	230	9	this	this	PRON
fsr-3902	230	10	into	into	ADP
fsr-3902	230	11	a	a	DET
fsr-3902	230	12	text	text	NOUN
fsr-3902	230	13	will	will	AUX
fsr-3902	230	14	allow	allow	VERB
fsr-3902	230	15	much	much	ADV
fsr-3902	230	16	greater	great	ADJ
fsr-3902	230	17	discussion	discussion	NOUN
fsr-3902	230	18	and	and	CCONJ
fsr-3902	230	19	elaboration	elaboration	NOUN
fsr-3902	230	20	on	on	ADP
fsr-3902	230	21	the	the	DET
fsr-3902	230	22	relevant	relevant	ADJ
fsr-3902	230	23	issues	issue	NOUN
fsr-3902	230	24	,	,	PUNCT
fsr-3902	230	25	and	and	CCONJ
fsr-3902	230	26	much	much	ADV
fsr-3902	230	27	less	less	ADJ
fsr-3902	230	28	time	time	NOUN
fsr-3902	230	29	spent	spend	VERB
fsr-3902	230	30	on	on	ADP
fsr-3902	230	31	the	the	DET
fsr-3902	230	32	mechanics	mechanic	NOUN
fsr-3902	230	33	of	of	ADP
fsr-3902	230	34	setting	set	VERB
fsr-3902	230	35	up	up	ADP
fsr-3902	230	36	the	the	DET
fsr-3902	230	37	problem	problem	NOUN
fsr-3902	230	38	.	.	PUNCT
fsr-3902	231	1	another	another	DET
fsr-3902	231	2	key	key	ADJ
fsr-3902	231	3	topic	topic	NOUN
fsr-3902	231	4	of	of	ADP
fsr-3902	231	5	the	the	DET
fsr-3902	231	6	housing	housing	NOUN
fsr-3902	231	7	chapter	chapter	NOUN
fsr-3902	231	8	is	be	AUX
fsr-3902	231	9	how	how	SCONJ
fsr-3902	231	10	one	one	PRON
fsr-3902	231	11	locates	locate	VERB
fsr-3902	231	12	a	a	DET
fsr-3902	231	13	house	house	NOUN
fsr-3902	231	14	and	and	CCONJ
fsr-3902	231	15	how	how	SCONJ
fsr-3902	231	16	one	one	NUM
fsr-3902	231	17	selects	select	VERB
fsr-3902	231	18	a	a	DET
fsr-3902	231	19	realtor	realtor	NOUN
fsr-3902	231	20	.	.	PUNCT
fsr-3902	232	1	there	there	PRON
fsr-3902	232	2	are	be	VERB
fsr-3902	232	3	several	several	ADJ
fsr-3902	232	4	sites	site	NOUN
fsr-3902	232	5	that	that	PRON
fsr-3902	232	6	provide	provide	VERB
fsr-3902	232	7	a	a	DET
fsr-3902	232	8	checklist	checklist	NOUN
fsr-3902	232	9	that	that	PRON
fsr-3902	232	10	would	would	AUX
fsr-3902	232	11	help	help	VERB
fsr-3902	232	12	a	a	DET
fsr-3902	232	13	person	person	NOUN
fsr-3902	232	14	define	define	VERB
fsr-3902	232	15	what	what	PRON
fsr-3902	232	16	he	he	PRON
fsr-3902	232	17	or	or	CCONJ
fsr-3902	232	18	she	she	PRON
fsr-3902	232	19	is	be	AUX
fsr-3902	232	20	really	really	ADV
fsr-3902	232	21	looking	look	VERB
fsr-3902	232	22	for	for	ADP
fsr-3902	232	23	.	.	PUNCT
fsr-3902	233	1	once	once	SCONJ
fsr-3902	233	2	the	the	DET
fsr-3902	233	3	parameters	parameter	NOUN
fsr-3902	233	4	of	of	ADP
fsr-3902	233	5	the	the	DET
fsr-3902	233	6	desired	desire	VERB
fsr-3902	233	7	property	property	NOUN
fsr-3902	233	8	are	be	AUX
fsr-3902	233	9	defined	define	VERB
fsr-3902	233	10	,	,	PUNCT
fsr-3902	233	11	then	then	ADV
fsr-3902	233	12	one	one	PRON
fsr-3902	233	13	wants	want	VERB
fsr-3902	233	14	to	to	PART
fsr-3902	233	15	see	see	VERB
fsr-3902	233	16	as	as	ADP
fsr-3902	233	17	many	many	ADJ
fsr-3902	233	18	properties	property	NOUN
fsr-3902	233	19	as	as	ADP
fsr-3902	233	20	possible	possible	ADJ
fsr-3902	233	21	that	that	PRON
fsr-3902	233	22	would	would	AUX
fsr-3902	233	23	meet	meet	VERB
fsr-3902	233	24	these	these	DET
fsr-3902	233	25	criteria	criterion	NOUN
fsr-3902	233	26	.	.	PUNCT
fsr-3902	234	1	the	the	DET
fsr-3902	234	2	site	site	NOUN
fsr-3902	234	3	www.realtor.com	www.realtor.com	PROPN
fsr-3902	234	4	has	have	AUX
fsr-3902	234	5	emerged	emerge	VERB
fsr-3902	234	6	as	as	ADP
fsr-3902	234	7	the	the	DET
fsr-3902	234	8	national	national	ADJ
fsr-3902	234	9	search	search	NOUN
fsr-3902	234	10	site	site	NOUN
fsr-3902	234	11	for	for	ADP
fsr-3902	234	12	homes	home	NOUN
fsr-3902	234	13	in	in	ADP
fsr-3902	234	14	most	most	ADJ
fsr-3902	234	15	communities	community	NOUN
fsr-3902	234	16	.	.	PUNCT
fsr-3902	235	1	in	in	ADP
fsr-3902	235	2	my	my	PRON
fsr-3902	235	3	community	community	NOUN
fsr-3902	235	4	,	,	PUNCT
fsr-3902	235	5	i	i	PRON
fsr-3902	235	6	can	can	AUX
fsr-3902	235	7	find	find	VERB
fsr-3902	235	8	more	more	ADJ
fsr-3902	235	9	homes	home	NOUN
fsr-3902	235	10	listed	list	VERB
fsr-3902	235	11	on	on	ADP
fsr-3902	235	12	the	the	DET
fsr-3902	235	13	realtor.com	realtor.com	NOUN
fsr-3902	235	14	site	site	NOUN
fsr-3902	235	15	than	than	SCONJ
fsr-3902	235	16	i	i	PRON
fsr-3902	235	17	can	can	AUX
fsr-3902	235	18	in	in	ADP
fsr-3902	235	19	any	any	PRON
fsr-3902	235	20	of	of	ADP
fsr-3902	235	21	the	the	DET
fsr-3902	235	22	sites	site	NOUN
fsr-3902	235	23	supported	support	VERB
fsr-3902	235	24	by	by	ADP
fsr-3902	235	25	local	local	ADJ
fsr-3902	235	26	brokerage	brokerage	NOUN
fsr-3902	235	27	firms	firm	NOUN
fsr-3902	235	28	or	or	CCONJ
fsr-3902	235	29	our	our	PRON
fsr-3902	235	30	local	local	ADJ
fsr-3902	235	31	newspaper	newspaper	NOUN
fsr-3902	235	32	.	.	PUNCT
fsr-3902	236	1	it	it	PRON
fsr-3902	236	2	is	be	AUX
fsr-3902	236	3	inconceivable	inconceivable	ADJ
fsr-3902	236	4	that	that	SCONJ
fsr-3902	236	5	the	the	DET
fsr-3902	236	6	next	next	ADJ
fsr-3902	236	7	round	round	NOUN
fsr-3902	236	8	of	of	ADP
fsr-3902	236	9	textbooks	textbook	NOUN
fsr-3902	236	10	could	could	AUX
fsr-3902	236	11	present	present	VERB
fsr-3902	236	12	the	the	DET
fsr-3902	236	13	topic	topic	NOUN
fsr-3902	236	14	of	of	ADP
fsr-3902	236	15	finding	find	VERB
fsr-3902	236	16	a	a	DET
fsr-3902	236	17	home	home	NOUN
fsr-3902	236	18	without	without	ADP
fsr-3902	236	19	directing	direct	VERB
fsr-3902	236	20	the	the	DET
fsr-3902	236	21	student	student	NOUN
fsr-3902	236	22	to	to	ADP
fsr-3902	236	23	this	this	DET
fsr-3902	236	24	site	site	NOUN
fsr-3902	236	25	as	as	ADP
fsr-3902	236	26	part	part	NOUN
fsr-3902	236	27	of	of	ADP
fsr-3902	236	28	the	the	DET
fsr-3902	236	29	chapter	chapter	NOUN
fsr-3902	236	30	text	text	NOUN
fsr-3902	236	31	.	.	PUNCT
fsr-3902	237	1	8	8	X
fsr-3902	237	2	.	.	X
fsr-3902	237	3	is	be	AUX
fsr-3902	237	4	this	this	DET
fsr-3902	237	5	forecast	forecast	NOUN
fsr-3902	237	6	unanimously	unanimously	ADV
fsr-3902	237	7	shared	share	VERB
fsr-3902	237	8	?	?	PUNCT
fsr-3902	238	1	this	this	DET
fsr-3902	238	2	forecast	forecast	NOUN
fsr-3902	238	3	of	of	ADP
fsr-3902	238	4	what	what	PRON
fsr-3902	238	5	the	the	DET
fsr-3902	238	6	next	next	ADJ
fsr-3902	238	7	round	round	NOUN
fsr-3902	238	8	of	of	ADP
fsr-3902	238	9	texts	text	NOUN
fsr-3902	238	10	will	will	AUX
fsr-3902	238	11	look	look	VERB
fsr-3902	238	12	like	like	ADP
fsr-3902	238	13	is	be	AUX
fsr-3902	238	14	not	not	PART
fsr-3902	238	15	unanimously	unanimously	ADV
fsr-3902	238	16	shared	share	VERB
fsr-3902	238	17	.	.	PUNCT
fsr-3902	239	1	the	the	DET
fsr-3902	239	2	major	major	ADJ
fsr-3902	239	3	objection	objection	NOUN
fsr-3902	239	4	to	to	ADP
fsr-3902	239	5	the	the	DET
fsr-3902	239	6	concept	concept	NOUN
fsr-3902	239	7	of	of	ADP
fsr-3902	239	8	building	build	VERB
fsr-3902	239	9	a	a	DET
fsr-3902	239	10	text	text	NOUN
fsr-3902	239	11	on	on	ADP
fsr-3902	239	12	internet	internet	NOUN
fsr-3902	239	13	connections	connection	NOUN
fsr-3902	239	14	,	,	PUNCT
fsr-3902	239	15	as	as	SCONJ
fsr-3902	239	16	discussed	discuss	VERB
fsr-3902	239	17	earlier	early	ADV
fsr-3902	239	18	,	,	PUNCT
fsr-3902	239	19	is	be	AUX
fsr-3902	239	20	concern	concern	NOUN
fsr-3902	239	21	of	of	ADP
fsr-3902	239	22	what	what	PRON
fsr-3902	239	23	happens	happen	VERB
fsr-3902	239	24	when	when	SCONJ
fsr-3902	239	25	link	link	NOUN
fsr-3902	239	26	rot	rot	VERB
fsr-3902	239	27	occurs	occur	VERB
fsr-3902	239	28	.	.	PUNCT
fsr-3902	240	1	this	this	PRON
fsr-3902	240	2	is	be	AUX
fsr-3902	240	3	a	a	DET
fsr-3902	240	4	legitimate	legitimate	ADJ
fsr-3902	240	5	concern	concern	NOUN
fsr-3902	240	6	,	,	PUNCT
fsr-3902	240	7	but	but	CCONJ
fsr-3902	240	8	it	it	PRON
fsr-3902	240	9	can	can	AUX
fsr-3902	240	10	be	be	AUX
fsr-3902	240	11	dealt	deal	VERB
fsr-3902	240	12	with	with	ADP
fsr-3902	240	13	in	in	ADP
fsr-3902	240	14	several	several	ADJ
fsr-3902	240	15	ways	way	NOUN
fsr-3902	240	16	.	.	PUNCT
fsr-3902	241	1	one	one	NUM
fsr-3902	241	2	is	be	AUX
fsr-3902	241	3	volume	volume	NOUN
fsr-3902	241	4	.	.	PUNCT
fsr-3902	242	1	for	for	ADP
fsr-3902	242	2	many	many	ADJ
fsr-3902	242	3	topics	topic	NOUN
fsr-3902	242	4	,	,	PUNCT
fsr-3902	242	5	one	one	PRON
fsr-3902	242	6	could	could	AUX
fsr-3902	242	7	provide	provide	VERB
fsr-3902	242	8	multiple	multiple	ADJ
fsr-3902	242	9	addresses	address	NOUN
fsr-3902	242	10	that	that	PRON
fsr-3902	242	11	would	would	AUX
fsr-3902	242	12	work	work	VERB
fsr-3902	242	13	.	.	PUNCT
fsr-3902	243	1	with	with	ADP
fsr-3902	243	2	a	a	DET
fsr-3902	243	3	normal	normal	ADJ
fsr-3902	243	4	attrition	attrition	NOUN
fsr-3902	243	5	rate	rate	NOUN
fsr-3902	243	6	,	,	PUNCT
fsr-3902	243	7	at	at	ADP
fsr-3902	243	8	least	least	ADJ
fsr-3902	243	9	some	some	PRON
fsr-3902	243	10	of	of	ADP
fsr-3902	243	11	the	the	DET
fsr-3902	243	12	sites	site	NOUN
fsr-3902	243	13	are	be	AUX
fsr-3902	243	14	likely	likely	ADJ
fsr-3902	243	15	to	to	PART
fsr-3902	243	16	still	still	ADV
fsr-3902	243	17	be	be	AUX
fsr-3902	243	18	working	work	VERB
fsr-3902	243	19	when	when	SCONJ
fsr-3902	243	20	the	the	DET
fsr-3902	243	21	next	next	ADJ
fsr-3902	243	22	edition	edition	NOUN
fsr-3902	243	23	of	of	ADP
fsr-3902	243	24	the	the	DET
fsr-3902	243	25	book	book	NOUN
fsr-3902	243	26	replaces	replace	VERB
fsr-3902	243	27	the	the	DET
fsr-3902	243	28	current	current	ADJ
fsr-3902	243	29	one	one	NUM
fsr-3902	243	30	.	.	PUNCT
fsr-3902	244	1	also	also	ADV
fsr-3902	244	2	,	,	PUNCT
fsr-3902	244	3	the	the	DET
fsr-3902	244	4	text	text	NOUN
fsr-3902	244	5	could	could	AUX
fsr-3902	244	6	be	be	AUX
fsr-3902	244	7	accompanied	accompany	VERB
fsr-3902	244	8	by	by	ADP
fsr-3902	244	9	a	a	DET
fsr-3902	244	10	publisher	publisher	NOUN
fsr-3902	244	11	supported	support	VERB
fsr-3902	244	12	web	web	NOUN
fsr-3902	244	13	page	page	NOUN
fsr-3902	244	14	that	that	PRON
fsr-3902	244	15	contains	contain	VERB
fsr-3902	244	16	a	a	DET
fsr-3902	244	17	frequently	frequently	ADV
fsr-3902	244	18	updated	update	VERB
fsr-3902	244	19	list	list	NOUN
fsr-3902	244	20	of	of	ADP
fsr-3902	244	21	corrections	correction	NOUN
fsr-3902	244	22	,	,	PUNCT
fsr-3902	244	23	additions	addition	NOUN
fsr-3902	244	24	,	,	PUNCT
fsr-3902	244	25	or	or	CCONJ
fsr-3902	244	26	deletions	deletion	NOUN
fsr-3902	244	27	for	for	ADP
fsr-3902	244	28	web	web	NOUN
fsr-3902	244	29	sites	site	NOUN
fsr-3902	244	30	provided	provide	VERB
fsr-3902	244	31	in	in	ADP
fsr-3902	244	32	the	the	DET
fsr-3902	244	33	text	text	NOUN
fsr-3902	244	34	.	.	PUNCT
fsr-3902	245	1	a	a	DET
fsr-3902	245	2	second	second	ADJ
fsr-3902	245	3	approach	approach	NOUN
fsr-3902	245	4	is	be	AUX
fsr-3902	245	5	not	not	PART
fsr-3902	245	6	to	to	PART
fsr-3902	245	7	give	give	VERB
fsr-3902	245	8	any	any	DET
fsr-3902	245	9	web	web	NOUN
fsr-3902	245	10	sites	site	NOUN
fsr-3902	245	11	in	in	ADP
fsr-3902	245	12	the	the	DET
fsr-3902	245	13	text	text	NOUN
fsr-3902	245	14	.	.	PUNCT
fsr-3902	246	1	in	in	ADP
fsr-3902	246	2	lieu	lieu	NOUN
fsr-3902	246	3	of	of	ADP
fsr-3902	246	4	each	each	DET
fsr-3902	246	5	web	web	NOUN
fsr-3902	246	6	site	site	NOUN
fsr-3902	246	7	,	,	PUNCT
fsr-3902	246	8	the	the	DET
fsr-3902	246	9	text	text	NOUN
fsr-3902	246	10	could	could	AUX
fsr-3902	246	11	provide	provide	VERB
fsr-3902	246	12	a	a	DET
fsr-3902	246	13	reference	reference	NOUN
fsr-3902	246	14	number	number	NOUN
fsr-3902	246	15	to	to	ADP
fsr-3902	246	16	a	a	DET
fsr-3902	246	17	publisher	publisher	NOUN
fsr-3902	246	18	supported	support	VERB
fsr-3902	246	19	web	web	NOUN
fsr-3902	246	20	page	page	NOUN
fsr-3902	246	21	,	,	PUNCT
fsr-3902	246	22	and	and	CCONJ
fsr-3902	246	23	have	have	VERB
fsr-3902	246	24	the	the	DET
fsr-3902	246	25	student	student	NOUN
fsr-3902	246	26	find	find	VERB
fsr-3902	246	27	the	the	DET
fsr-3902	246	28	address	address	NOUN
fsr-3902	246	29	there	there	ADV
fsr-3902	246	30	.	.	PUNCT
fsr-3902	247	1	without	without	ADP
fsr-3902	247	2	the	the	DET
fsr-3902	247	3	text	text	NOUN
fsr-3902	247	4	itself	itself	PRON
fsr-3902	247	5	,	,	PUNCT
fsr-3902	247	6	access	access	NOUN
fsr-3902	247	7	to	to	ADP
fsr-3902	247	8	the	the	DET
fsr-3902	247	9	web	web	NOUN
fsr-3902	247	10	page	page	NOUN
fsr-3902	247	11	would	would	AUX
fsr-3902	247	12	have	have	VERB
fsr-3902	247	13	little	little	ADJ
fsr-3902	247	14	value	value	NOUN
fsr-3902	247	15	to	to	ADP
fsr-3902	247	16	others	other	NOUN
fsr-3902	247	17	.	.	PUNCT
fsr-3902	248	1	a	a	DET
fsr-3902	248	2	second	second	ADJ
fsr-3902	248	3	objection	objection	NOUN
fsr-3902	248	4	is	be	AUX
fsr-3902	248	5	that	that	SCONJ
fsr-3902	248	6	not	not	PART
fsr-3902	248	7	enough	enough	ADJ
fsr-3902	248	8	finance	finance	NOUN
fsr-3902	248	9	professors	professor	NOUN
fsr-3902	248	10	know	know	VERB
fsr-3902	248	11	how	how	SCONJ
fsr-3902	248	12	to	to	PART
fsr-3902	248	13	work	work	VERB
fsr-3902	248	14	effectively	effectively	ADV
fsr-3902	248	15	with	with	ADP
fsr-3902	248	16	the	the	DET
fsr-3902	248	17	web	web	NOUN
fsr-3902	248	18	,	,	PUNCT
fsr-3902	248	19	and	and	CCONJ
fsr-3902	248	20	this	this	PRON
fsr-3902	248	21	will	will	AUX
fsr-3902	248	22	prevent	prevent	VERB
fsr-3902	248	23	such	such	DET
fsr-3902	248	24	a	a	DET
fsr-3902	248	25	book	book	NOUN
fsr-3902	248	26	from	from	ADP
fsr-3902	248	27	being	be	AUX
fsr-3902	248	28	sufficiently	sufficiently	ADV
fsr-3902	248	29	widely	widely	ADV
fsr-3902	248	30	adopted	adopt	VERB
fsr-3902	248	31	to	to	PART
fsr-3902	248	32	be	be	AUX
fsr-3902	248	33	successful	successful	ADJ
fsr-3902	248	34	.	.	PUNCT
fsr-3902	249	1	two	two	NUM
fsr-3902	249	2	years	year	NOUN
fsr-3902	249	3	ago	ago	ADV
fsr-3902	249	4	,	,	PUNCT
fsr-3902	249	5	this	this	DET
fsr-3902	249	6	objection	objection	NOUN
fsr-3902	249	7	might	might	AUX
fsr-3902	249	8	well	well	ADV
fsr-3902	249	9	have	have	AUX
fsr-3902	249	10	been	be	AUX
fsr-3902	249	11	the	the	DET
fsr-3902	249	12	telling	telling	NOUN
fsr-3902	249	13	indicator	indicator	NOUN
fsr-3902	249	14	.	.	PUNCT
fsr-3902	250	1	but	but	CCONJ
fsr-3902	250	2	as	as	SCONJ
fsr-3902	250	3	was	be	AUX
fsr-3902	250	4	argued	argue	VERB
fsr-3902	250	5	at	at	ADP
fsr-3902	250	6	the	the	DET
fsr-3902	250	7	start	start	NOUN
fsr-3902	250	8	of	of	ADP
fsr-3902	250	9	this	this	DET
fsr-3902	250	10	paper	paper	NOUN
fsr-3902	250	11	,	,	PUNCT
fsr-3902	250	12	it	it	PRON
fsr-3902	250	13	appears	appear	VERB
fsr-3902	250	14	that	that	SCONJ
fsr-3902	250	15	we	we	PRON
fsr-3902	250	16	are	be	AUX
fsr-3902	250	17	at	at	ADP
fsr-3902	250	18	a	a	DET
fsr-3902	250	19	watershed	watershed	NOUN
fsr-3902	250	20	in	in	ADP
fsr-3902	250	21	terms	term	NOUN
fsr-3902	250	22	of	of	ADP
fsr-3902	250	23	the	the	DET
fsr-3902	250	24	web	web	NOUN
fsr-3902	250	25	becoming	become	VERB
fsr-3902	250	26	a	a	DET
fsr-3902	250	27	standard	standard	ADJ
fsr-3902	250	28	tool	tool	NOUN
fsr-3902	250	29	of	of	ADP
fsr-3902	250	30	usage	usage	NOUN
fsr-3902	250	31	by	by	ADP
fsr-3902	250	32	most	most	ADJ
fsr-3902	250	33	faculty	faculty	NOUN
fsr-3902	250	34	.	.	PUNCT
fsr-3902	251	1	just	just	ADV
fsr-3902	251	2	as	as	SCONJ
fsr-3902	251	3	we	we	PRON
fsr-3902	251	4	went	go	VERB
fsr-3902	251	5	in	in	ADP
fsr-3902	251	6	a	a	DET
fsr-3902	251	7	few	few	ADJ
fsr-3902	251	8	short	short	ADJ
fsr-3902	251	9	years	year	NOUN
fsr-3902	251	10	from	from	ADP
fsr-3902	251	11	a	a	DET
fsr-3902	251	12	few	few	ADJ
fsr-3902	251	13	faculty	faculty	NOUN
fsr-3902	251	14	using	use	VERB
fsr-3902	251	15	email	email	NOUN
fsr-3902	251	16	to	to	ADP
fsr-3902	251	17	almost	almost	ADV
fsr-3902	251	18	all	all	PRON
fsr-3902	251	19	faculty	faculty	NOUN
fsr-3902	251	20	using	use	VERB
fsr-3902	251	21	email	email	NOUN
fsr-3902	251	22	,	,	PUNCT
fsr-3902	251	23	so	so	SCONJ
fsr-3902	251	24	we	we	PRON
fsr-3902	251	25	will	will	AUX
fsr-3902	251	26	move	move	VERB
fsr-3902	251	27	from	from	ADP
fsr-3902	251	28	a	a	DET
fsr-3902	251	29	few	few	ADJ
fsr-3902	251	30	faculty	faculty	NOUN
fsr-3902	251	31	accessing	access	VERB
fsr-3902	251	32	the	the	DET
fsr-3902	251	33	internet	internet	NOUN
fsr-3902	251	34	regularly	regularly	ADV
fsr-3902	251	35	to	to	ADP
fsr-3902	251	36	most	most	ADJ
fsr-3902	251	37	faculty	faculty	NOUN
fsr-3902	251	38	accessing	access	VERB
fsr-3902	251	39	it	it	PRON
fsr-3902	251	40	regularly	regularly	ADV
fsr-3902	251	41	.	.	PUNCT
fsr-3902	252	1	a	a	DET
fsr-3902	252	2	third	third	ADJ
fsr-3902	252	3	objection	objection	NOUN
fsr-3902	252	4	is	be	AUX
fsr-3902	252	5	that	that	SCONJ
fsr-3902	252	6	too	too	ADV
fsr-3902	252	7	many	many	ADJ
fsr-3902	252	8	students	student	NOUN
fsr-3902	252	9	would	would	AUX
fsr-3902	252	10	not	not	PART
fsr-3902	252	11	be	be	AUX
fsr-3902	252	12	able	able	ADJ
fsr-3902	252	13	to	to	PART
fsr-3902	252	14	access	access	VERB
fsr-3902	252	15	the	the	DET
fsr-3902	252	16	internet	internet	NOUN
fsr-3902	252	17	and	and	CCONJ
fsr-3902	252	18	314	314	NUM
fsr-3902	252	19	w.	w.	PROPN
fsr-3902	252	20	woerheide	woerheide	PROPN
fsr-3902	252	21	/	/	SYM
fsr-3902	252	22	financial	financial	ADJ
fsr-3902	252	23	services	service	NOUN
fsr-3902	252	24	review	review	VERB
fsr-3902	252	25	8	8	NUM
fsr-3902	252	26	(	(	PUNCT
fsr-3902	252	27	1999	1999	NUM
fsr-3902	252	28	)	)	PUNCT
fsr-3902	253	1	305–317	305–317	NUM
fsr-3902	253	2	thus	thus	ADV
fsr-3902	253	3	such	such	DET
fsr-3902	253	4	a	a	DET
fsr-3902	253	5	book	book	NOUN
fsr-3902	253	6	as	as	SCONJ
fsr-3902	253	7	described	describe	VERB
fsr-3902	253	8	above	above	ADV
fsr-3902	253	9	would	would	AUX
fsr-3902	253	10	not	not	PART
fsr-3902	253	11	work	work	VERB
fsr-3902	253	12	.	.	PUNCT
fsr-3902	254	1	three	three	NUM
fsr-3902	254	2	years	year	NOUN
fsr-3902	254	3	ago	ago	ADV
fsr-3902	254	4	,	,	PUNCT
fsr-3902	254	5	this	this	DET
fsr-3902	254	6	author	author	NOUN
fsr-3902	254	7	gave	give	VERB
fsr-3902	254	8	as	as	ADP
fsr-3902	254	9	a	a	DET
fsr-3902	254	10	term	term	NOUN
fsr-3902	254	11	paper	paper	NOUN
fsr-3902	254	12	project	project	NOUN
fsr-3902	254	13	in	in	ADP
fsr-3902	254	14	his	his	PRON
fsr-3902	254	15	personal	personal	ADJ
fsr-3902	254	16	finance	finance	NOUN
fsr-3902	254	17	course	course	NOUN
fsr-3902	254	18	the	the	DET
fsr-3902	254	19	task	task	NOUN
fsr-3902	254	20	of	of	ADP
fsr-3902	254	21	each	each	DET
fsr-3902	254	22	student	student	NOUN
fsr-3902	254	23	locating	locate	VERB
fsr-3902	254	24	15	15	NUM
fsr-3902	254	25	web	web	NOUN
fsr-3902	254	26	sites	site	NOUN
fsr-3902	254	27	,	,	PUNCT
fsr-3902	254	28	and	and	CCONJ
fsr-3902	254	29	explaining	explain	VERB
fsr-3902	254	30	how	how	SCONJ
fsr-3902	254	31	he	he	PRON
fsr-3902	254	32	or	or	CCONJ
fsr-3902	254	33	she	she	PRON
fsr-3902	254	34	would	would	AUX
fsr-3902	254	35	use	use	VERB
fsr-3902	254	36	each	each	DET
fsr-3902	254	37	site	site	NOUN
fsr-3902	254	38	to	to	PART
fsr-3902	254	39	make	make	VERB
fsr-3902	254	40	personal	personal	ADJ
fsr-3902	254	41	financial	financial	ADJ
fsr-3902	254	42	decisions	decision	NOUN
fsr-3902	254	43	.	.	PUNCT
fsr-3902	255	1	two	two	NUM
fsr-3902	255	2	years	year	NOUN
fsr-3902	255	3	ago	ago	ADV
fsr-3902	255	4	,	,	PUNCT
fsr-3902	255	5	the	the	DET
fsr-3902	255	6	project	project	NOUN
fsr-3902	255	7	was	be	AUX
fsr-3902	255	8	changed	change	VERB
fsr-3902	255	9	to	to	ADP
fsr-3902	255	10	having	have	VERB
fsr-3902	255	11	the	the	DET
fsr-3902	255	12	students	student	NOUN
fsr-3902	255	13	create	create	VERB
fsr-3902	255	14	their	their	PRON
fsr-3902	255	15	own	own	ADJ
fsr-3902	255	16	web	web	NOUN
fsr-3902	255	17	pages	page	NOUN
fsr-3902	255	18	in	in	ADP
fsr-3902	255	19	which	which	PRON
fsr-3902	255	20	they	they	PRON
fsr-3902	255	21	defined	define	VERB
fsr-3902	255	22	personal	personal	ADJ
fsr-3902	255	23	finance	finance	NOUN
fsr-3902	255	24	questions	question	NOUN
fsr-3902	255	25	they	they	PRON
fsr-3902	255	26	would	would	AUX
fsr-3902	255	27	likely	likely	ADV
fsr-3902	255	28	be	be	AUX
fsr-3902	255	29	asking	ask	VERB
fsr-3902	255	30	themselves	themselves	PRON
fsr-3902	255	31	in	in	ADP
fsr-3902	255	32	the	the	DET
fsr-3902	255	33	next	next	ADJ
fsr-3902	255	34	few	few	ADJ
fsr-3902	255	35	years	year	NOUN
fsr-3902	255	36	and	and	CCONJ
fsr-3902	255	37	they	they	PRON
fsr-3902	255	38	provided	provide	VERB
fsr-3902	255	39	links	link	NOUN
fsr-3902	255	40	which	which	PRON
fsr-3902	255	41	answered	answer	VERB
fsr-3902	255	42	those	those	DET
fsr-3902	255	43	questions	question	NOUN
fsr-3902	255	44	.	.	PUNCT
fsr-3902	256	1	despite	despite	SCONJ
fsr-3902	256	2	having	have	VERB
fsr-3902	256	3	hundreds	hundred	NOUN
fsr-3902	256	4	of	of	ADP
fsr-3902	256	5	students	student	NOUN
fsr-3902	256	6	go	go	VERB
fsr-3902	256	7	through	through	ADP
fsr-3902	256	8	this	this	DET
fsr-3902	256	9	course	course	NOUN
fsr-3902	256	10	in	in	ADP
fsr-3902	256	11	the	the	DET
fsr-3902	256	12	last	last	ADJ
fsr-3902	256	13	few	few	ADJ
fsr-3902	256	14	years	year	NOUN
fsr-3902	256	15	,	,	PUNCT
fsr-3902	256	16	not	not	PART
fsr-3902	256	17	one	one	NUM
fsr-3902	256	18	student	student	NOUN
fsr-3902	256	19	ever	ever	ADV
fsr-3902	256	20	asked	ask	VERB
fsr-3902	256	21	the	the	DET
fsr-3902	256	22	instructor	instructor	NOUN
fsr-3902	256	23	how	how	SCONJ
fsr-3902	256	24	to	to	PART
fsr-3902	256	25	find	find	VERB
fsr-3902	256	26	a	a	DET
fsr-3902	256	27	site	site	NOUN
fsr-3902	256	28	on	on	ADP
fsr-3902	256	29	the	the	DET
fsr-3902	256	30	internet	internet	NOUN
fsr-3902	256	31	,	,	PUNCT
fsr-3902	256	32	or	or	CCONJ
fsr-3902	256	33	even	even	ADV
fsr-3902	256	34	how	how	SCONJ
fsr-3902	256	35	to	to	PART
fsr-3902	256	36	create	create	VERB
fsr-3902	256	37	a	a	DET
fsr-3902	256	38	web	web	NOUN
fsr-3902	256	39	page	page	NOUN
fsr-3902	256	40	.	.	PUNCT
fsr-3902	257	1	most	most	ADJ
fsr-3902	257	2	of	of	ADP
fsr-3902	257	3	my	my	PRON
fsr-3902	257	4	students	student	NOUN
fsr-3902	257	5	can	can	AUX
fsr-3902	257	6	create	create	VERB
fsr-3902	257	7	vastly	vastly	ADV
fsr-3902	257	8	better	well	ADJ
fsr-3902	257	9	looking	look	VERB
fsr-3902	257	10	web	web	NOUN
fsr-3902	257	11	pages	page	NOUN
fsr-3902	257	12	than	than	SCONJ
fsr-3902	257	13	i	i	PRON
fsr-3902	257	14	can	can	AUX
fsr-3902	257	15	!	!	PUNCT
fsr-3902	258	1	in	in	ADP
fsr-3902	258	2	fact	fact	NOUN
fsr-3902	258	3	,	,	PUNCT
fsr-3902	258	4	the	the	DET
fsr-3902	258	5	most	most	ADV
fsr-3902	258	6	likely	likely	ADJ
fsr-3902	258	7	source	source	NOUN
fsr-3902	258	8	of	of	ADP
fsr-3902	258	9	movement	movement	NOUN
fsr-3902	258	10	toward	toward	ADP
fsr-3902	258	11	the	the	DET
fsr-3902	258	12	incorporation	incorporation	NOUN
fsr-3902	258	13	of	of	ADP
fsr-3902	258	14	more	more	ADJ
fsr-3902	258	15	internet	internet	NOUN
fsr-3902	258	16	material	material	NOUN
fsr-3902	258	17	in	in	ADP
fsr-3902	258	18	the	the	DET
fsr-3902	258	19	textbooks	textbook	NOUN
fsr-3902	258	20	will	will	AUX
fsr-3902	258	21	be	be	AUX
fsr-3902	258	22	the	the	DET
fsr-3902	258	23	students	student	NOUN
fsr-3902	258	24	themselves	themselves	PRON
fsr-3902	258	25	.	.	PUNCT
fsr-3902	259	1	as	as	SCONJ
fsr-3902	259	2	students	student	NOUN
fsr-3902	259	3	find	find	VERB
fsr-3902	259	4	these	these	DET
fsr-3902	259	5	sites	site	NOUN
fsr-3902	259	6	on	on	ADP
fsr-3902	259	7	the	the	DET
fsr-3902	259	8	internet	internet	NOUN
fsr-3902	259	9	that	that	SCONJ
fsr-3902	259	10	they	they	PRON
fsr-3902	259	11	deem	deem	VERB
fsr-3902	259	12	of	of	ADP
fsr-3902	259	13	value	value	NOUN
fsr-3902	259	14	,	,	PUNCT
fsr-3902	259	15	they	they	PRON
fsr-3902	259	16	will	will	AUX
fsr-3902	259	17	start	start	VERB
fsr-3902	259	18	asking	ask	VERB
fsr-3902	259	19	those	those	DET
fsr-3902	259	20	instructors	instructor	NOUN
fsr-3902	259	21	who	who	PRON
fsr-3902	259	22	are	be	AUX
fsr-3902	259	23	not	not	PART
fsr-3902	259	24	using	use	VERB
fsr-3902	259	25	the	the	DET
fsr-3902	259	26	internet	internet	NOUN
fsr-3902	259	27	why	why	SCONJ
fsr-3902	259	28	these	these	DET
fsr-3902	259	29	sites	site	NOUN
fsr-3902	259	30	are	be	AUX
fsr-3902	259	31	not	not	PART
fsr-3902	259	32	being	be	AUX
fsr-3902	259	33	mentioned	mention	VERB
fsr-3902	259	34	and	and	CCONJ
fsr-3902	259	35	utilized	utilize	VERB
fsr-3902	259	36	.	.	PUNCT
fsr-3902	260	1	this	this	PRON
fsr-3902	260	2	will	will	AUX
fsr-3902	260	3	lead	lead	VERB
fsr-3902	260	4	these	these	DET
fsr-3902	260	5	instructors	instructor	NOUN
fsr-3902	260	6	to	to	PART
fsr-3902	260	7	adopt	adopt	VERB
fsr-3902	260	8	textbooks	textbook	NOUN
fsr-3902	260	9	that	that	PRON
fsr-3902	260	10	provide	provide	VERB
fsr-3902	260	11	the	the	DET
fsr-3902	260	12	strong	strong	ADJ
fsr-3902	260	13	internet	internet	NOUN
fsr-3902	260	14	usage	usage	NOUN
fsr-3902	260	15	and	and	CCONJ
fsr-3902	260	16	incorporation	incorporation	NOUN
fsr-3902	260	17	so	so	SCONJ
fsr-3902	260	18	that	that	SCONJ
fsr-3902	260	19	they	they	PRON
fsr-3902	260	20	will	will	AUX
fsr-3902	260	21	not	not	PART
fsr-3902	260	22	have	have	VERB
fsr-3902	260	23	to	to	PART
fsr-3902	260	24	spend	spend	VERB
fsr-3902	260	25	many	many	ADJ
fsr-3902	260	26	,	,	PUNCT
fsr-3902	260	27	many	many	ADJ
fsr-3902	260	28	hours	hour	NOUN
fsr-3902	260	29	themselves	themselves	PRON
fsr-3902	260	30	finding	find	VERB
fsr-3902	260	31	these	these	DET
fsr-3902	260	32	sites	site	NOUN
fsr-3902	260	33	.	.	PUNCT
fsr-3902	261	1	9	9	X
fsr-3902	261	2	.	.	X
fsr-3902	261	3	will	will	AUX
fsr-3902	261	4	students	student	NOUN
fsr-3902	261	5	benefit	benefit	VERB
fsr-3902	261	6	from	from	ADP
fsr-3902	261	7	this	this	DET
fsr-3902	261	8	integration	integration	NOUN
fsr-3902	261	9	?	?	PUNCT
fsr-3902	262	1	the	the	DET
fsr-3902	262	2	most	most	ADV
fsr-3902	262	3	important	important	ADJ
fsr-3902	262	4	person	person	NOUN
fsr-3902	262	5	in	in	ADP
fsr-3902	262	6	the	the	DET
fsr-3902	262	7	classroom	classroom	NOUN
fsr-3902	262	8	is	be	AUX
fsr-3902	262	9	,	,	PUNCT
fsr-3902	262	10	of	of	ADP
fsr-3902	262	11	course	course	NOUN
fsr-3902	262	12	,	,	PUNCT
fsr-3902	262	13	the	the	DET
fsr-3902	262	14	student	student	NOUN
fsr-3902	262	15	.	.	PUNCT
fsr-3902	263	1	as	as	SCONJ
fsr-3902	263	2	described	describe	VERB
fsr-3902	263	3	in	in	ADP
fsr-3902	263	4	the	the	DET
fsr-3902	263	5	historical	historical	ADJ
fsr-3902	263	6	section	section	NOUN
fsr-3902	263	7	,	,	PUNCT
fsr-3902	263	8	there	there	PRON
fsr-3902	263	9	has	have	AUX
fsr-3902	263	10	been	be	AUX
fsr-3902	263	11	an	an	DET
fsr-3902	263	12	evolution	evolution	NOUN
fsr-3902	263	13	of	of	ADP
fsr-3902	263	14	technology	technology	NOUN
fsr-3902	263	15	in	in	ADP
fsr-3902	263	16	the	the	DET
fsr-3902	263	17	classroom	classroom	NOUN
fsr-3902	263	18	.	.	PUNCT
fsr-3902	264	1	however	however	ADV
fsr-3902	264	2	,	,	PUNCT
fsr-3902	264	3	there	there	PRON
fsr-3902	264	4	has	have	AUX
fsr-3902	264	5	been	be	AUX
fsr-3902	264	6	(	(	PUNCT
fsr-3902	264	7	to	to	ADP
fsr-3902	264	8	this	this	DET
fsr-3902	264	9	author	author	NOUN
fsr-3902	264	10	’s	’s	PART
fsr-3902	264	11	knowledge	knowledge	NOUN
fsr-3902	264	12	)	)	PUNCT
fsr-3902	264	13	little	little	ADJ
fsr-3902	264	14	effort	effort	NOUN
fsr-3902	264	15	at	at	ADP
fsr-3902	264	16	ascertaining	ascertain	VERB
fsr-3902	264	17	whether	whether	SCONJ
fsr-3902	264	18	or	or	CCONJ
fsr-3902	264	19	not	not	PART
fsr-3902	264	20	the	the	DET
fsr-3902	264	21	student	student	NOUN
fsr-3902	264	22	has	have	AUX
fsr-3902	264	23	benefited	benefit	VERB
fsr-3902	264	24	.	.	PUNCT
fsr-3902	265	1	what	what	PRON
fsr-3902	265	2	has	have	AUX
fsr-3902	265	3	happened	happen	VERB
fsr-3902	265	4	is	be	AUX
fsr-3902	265	5	that	that	SCONJ
fsr-3902	265	6	the	the	DET
fsr-3902	265	7	skills	skill	NOUN
fsr-3902	265	8	the	the	DET
fsr-3902	265	9	student	student	NOUN
fsr-3902	265	10	has	have	AUX
fsr-3902	265	11	acquired	acquire	VERB
fsr-3902	265	12	has	have	AUX
fsr-3902	265	13	changed	change	VERB
fsr-3902	265	14	.	.	PUNCT
fsr-3902	266	1	for	for	ADP
fsr-3902	266	2	example	example	NOUN
fsr-3902	266	3	,	,	PUNCT
fsr-3902	266	4	when	when	SCONJ
fsr-3902	266	5	financial	financial	ADJ
fsr-3902	266	6	calculators	calculator	NOUN
fsr-3902	266	7	became	become	VERB
fsr-3902	266	8	universal	universal	ADJ
fsr-3902	266	9	and	and	CCONJ
fsr-3902	266	10	were	be	AUX
fsr-3902	266	11	integrated	integrate	VERB
fsr-3902	266	12	into	into	ADP
fsr-3902	266	13	many	many	ADJ
fsr-3902	266	14	textbooks	textbook	NOUN
fsr-3902	266	15	and	and	CCONJ
fsr-3902	266	16	required	require	VERB
fsr-3902	266	17	by	by	ADP
fsr-3902	266	18	many	many	ADJ
fsr-3902	266	19	instructors	instructor	NOUN
fsr-3902	266	20	,	,	PUNCT
fsr-3902	266	21	no	no	DET
fsr-3902	266	22	one	one	NOUN
fsr-3902	266	23	seemed	seem	VERB
fsr-3902	266	24	to	to	PART
fsr-3902	266	25	ask	ask	VERB
fsr-3902	266	26	if	if	SCONJ
fsr-3902	266	27	the	the	DET
fsr-3902	266	28	student	student	NOUN
fsr-3902	266	29	was	be	AUX
fsr-3902	266	30	better	well	ADJ
fsr-3902	266	31	off	off	ADP
fsr-3902	266	32	using	use	VERB
fsr-3902	266	33	a	a	DET
fsr-3902	266	34	calculator	calculator	NOUN
fsr-3902	266	35	.	.	PUNCT
fsr-3902	267	1	many	many	ADJ
fsr-3902	267	2	students	student	NOUN
fsr-3902	267	3	have	have	AUX
fsr-3902	267	4	learned	learn	VERB
fsr-3902	267	5	to	to	PART
fsr-3902	267	6	solve	solve	VERB
fsr-3902	267	7	time	time	NOUN
fsr-3902	267	8	value	value	NOUN
fsr-3902	267	9	of	of	ADP
fsr-3902	267	10	money	money	NOUN
fsr-3902	267	11	problems	problem	NOUN
fsr-3902	267	12	by	by	ADP
fsr-3902	267	13	memorizing	memorize	VERB
fsr-3902	267	14	which	which	PRON
fsr-3902	267	15	keys	key	VERB
fsr-3902	267	16	to	to	PART
fsr-3902	267	17	use	use	VERB
fsr-3902	267	18	to	to	PART
fsr-3902	267	19	enter	enter	VERB
fsr-3902	267	20	the	the	DET
fsr-3902	267	21	data	datum	NOUN
fsr-3902	267	22	.	.	PUNCT
fsr-3902	268	1	they	they	PRON
fsr-3902	268	2	sometimes	sometimes	ADV
fsr-3902	268	3	can	can	AUX
fsr-3902	268	4	not	not	PART
fsr-3902	268	5	write	write	VERB
fsr-3902	268	6	out	out	ADP
fsr-3902	268	7	the	the	DET
fsr-3902	268	8	time	time	NOUN
fsr-3902	268	9	value	value	NOUN
fsr-3902	268	10	of	of	ADP
fsr-3902	268	11	money	money	NOUN
fsr-3902	268	12	formulas	formula	NOUN
fsr-3902	268	13	associated	associate	VERB
fsr-3902	268	14	with	with	ADP
fsr-3902	268	15	those	those	DET
fsr-3902	268	16	problems	problem	NOUN
fsr-3902	268	17	.	.	PUNCT
fsr-3902	269	1	the	the	DET
fsr-3902	269	2	amount	amount	NOUN
fsr-3902	269	3	of	of	ADP
fsr-3902	269	4	time	time	NOUN
fsr-3902	269	5	spent	spend	VERB
fsr-3902	269	6	in	in	ADP
fsr-3902	269	7	class	class	NOUN
fsr-3902	269	8	and	and	CCONJ
fsr-3902	269	9	on	on	ADP
fsr-3902	269	10	homework	homework	NOUN
fsr-3902	269	11	doing	do	VERB
fsr-3902	269	12	calculations	calculation	NOUN
fsr-3902	269	13	is	be	AUX
fsr-3902	269	14	greatly	greatly	ADV
fsr-3902	269	15	reduced	reduce	VERB
fsr-3902	269	16	.	.	PUNCT
fsr-3902	270	1	but	but	CCONJ
fsr-3902	270	2	,	,	PUNCT
fsr-3902	270	3	is	be	AUX
fsr-3902	270	4	their	their	PRON
fsr-3902	270	5	knowledge	knowledge	NOUN
fsr-3902	270	6	of	of	ADP
fsr-3902	270	7	time	time	NOUN
fsr-3902	270	8	value	value	NOUN
fsr-3902	270	9	of	of	ADP
fsr-3902	270	10	money	money	NOUN
fsr-3902	270	11	greater	great	ADJ
fsr-3902	270	12	or	or	CCONJ
fsr-3902	270	13	less	less	ADJ
fsr-3902	270	14	?	?	PUNCT
fsr-3902	271	1	the	the	DET
fsr-3902	271	2	enrollment	enrollment	NOUN
fsr-3902	271	3	in	in	ADP
fsr-3902	271	4	the	the	DET
fsr-3902	271	5	personal	personal	ADJ
fsr-3902	271	6	finance	finance	NOUN
fsr-3902	271	7	course	course	NOUN
fsr-3902	271	8	can	can	AUX
fsr-3902	271	9	be	be	AUX
fsr-3902	271	10	divided	divide	VERB
fsr-3902	271	11	into	into	ADP
fsr-3902	271	12	two	two	NUM
fsr-3902	271	13	groups	group	NOUN
fsr-3902	271	14	.	.	PUNCT
fsr-3902	272	1	the	the	DET
fsr-3902	272	2	largest	large	ADJ
fsr-3902	272	3	group	group	NOUN
fsr-3902	272	4	is	be	AUX
fsr-3902	272	5	those	those	DET
fsr-3902	272	6	students	student	NOUN
fsr-3902	272	7	for	for	ADP
fsr-3902	272	8	whom	whom	PRON
fsr-3902	272	9	this	this	PRON
fsr-3902	272	10	is	be	AUX
fsr-3902	272	11	their	their	PRON
fsr-3902	272	12	only	only	ADJ
fsr-3902	272	13	exposure	exposure	NOUN
fsr-3902	272	14	to	to	ADP
fsr-3902	272	15	this	this	DET
fsr-3902	272	16	subject	subject	NOUN
fsr-3902	272	17	.	.	PUNCT
fsr-3902	273	1	the	the	DET
fsr-3902	273	2	other	other	ADJ
fsr-3902	273	3	group	group	NOUN
fsr-3902	273	4	is	be	AUX
fsr-3902	273	5	those	those	PRON
fsr-3902	273	6	who	who	PRON
fsr-3902	273	7	wish	wish	VERB
fsr-3902	273	8	to	to	PART
fsr-3902	273	9	major	major	VERB
fsr-3902	273	10	in	in	ADP
fsr-3902	273	11	this	this	DET
fsr-3902	273	12	subject	subject	ADJ
fsr-3902	273	13	area	area	NOUN
fsr-3902	273	14	(	(	PUNCT
fsr-3902	273	15	perhaps	perhaps	ADV
fsr-3902	273	16	in	in	ADP
fsr-3902	273	17	preparation	preparation	NOUN
fsr-3902	273	18	for	for	ADP
fsr-3902	273	19	obtaining	obtain	VERB
fsr-3902	273	20	their	their	PRON
fsr-3902	273	21	cfp	cfp	NOUN
fsr-3902	273	22	designation	designation	NOUN
fsr-3902	273	23	)	)	PUNCT
fsr-3902	273	24	.	.	PUNCT
fsr-3902	274	1	for	for	ADP
fsr-3902	274	2	the	the	DET
fsr-3902	274	3	first	first	ADJ
fsr-3902	274	4	group	group	NOUN
fsr-3902	274	5	,	,	PUNCT
fsr-3902	274	6	their	their	PRON
fsr-3902	274	7	motivations	motivation	NOUN
fsr-3902	274	8	in	in	ADP
fsr-3902	274	9	taking	take	VERB
fsr-3902	274	10	the	the	DET
fsr-3902	274	11	course	course	NOUN
fsr-3902	274	12	usually	usually	ADV
fsr-3902	274	13	are	be	AUX
fsr-3902	274	14	to	to	PART
fsr-3902	274	15	learn	learn	VERB
fsr-3902	274	16	about	about	ADP
fsr-3902	274	17	the	the	DET
fsr-3902	274	18	issues	issue	NOUN
fsr-3902	274	19	in	in	ADP
fsr-3902	274	20	which	which	PRON
fsr-3902	274	21	they	they	PRON
fsr-3902	274	22	will	will	AUX
fsr-3902	274	23	have	have	VERB
fsr-3902	274	24	to	to	PART
fsr-3902	274	25	make	make	VERB
fsr-3902	274	26	personal	personal	ADJ
fsr-3902	274	27	financial	financial	ADJ
fsr-3902	274	28	decisions	decision	NOUN
fsr-3902	274	29	during	during	ADP
fsr-3902	274	30	their	their	PRON
fsr-3902	274	31	lifetime	lifetime	NOUN
fsr-3902	274	32	.	.	PUNCT
fsr-3902	275	1	because	because	SCONJ
fsr-3902	275	2	of	of	ADP
fsr-3902	275	3	the	the	DET
fsr-3902	275	4	way	way	NOUN
fsr-3902	275	5	in	in	ADP
fsr-3902	275	6	which	which	PRON
fsr-3902	275	7	technology	technology	NOUN
fsr-3902	275	8	,	,	PUNCT
fsr-3902	275	9	laws	law	NOUN
fsr-3902	275	10	,	,	PUNCT
fsr-3902	275	11	and	and	CCONJ
fsr-3902	275	12	practices	practice	NOUN
fsr-3902	275	13	change	change	VERB
fsr-3902	275	14	over	over	ADP
fsr-3902	275	15	time	time	NOUN
fsr-3902	275	16	,	,	PUNCT
fsr-3902	275	17	we	we	PRON
fsr-3902	275	18	can	can	AUX
fsr-3902	275	19	not	not	PART
fsr-3902	275	20	in	in	ADP
fsr-3902	275	21	one	one	NUM
fsr-3902	275	22	course	course	NOUN
fsr-3902	275	23	hope	hope	VERB
fsr-3902	275	24	to	to	PART
fsr-3902	275	25	teach	teach	VERB
fsr-3902	275	26	these	these	DET
fsr-3902	275	27	students	student	NOUN
fsr-3902	275	28	everything	everything	PRON
fsr-3902	275	29	they	they	PRON
fsr-3902	275	30	will	will	AUX
fsr-3902	275	31	need	need	VERB
fsr-3902	275	32	to	to	PART
fsr-3902	275	33	know	know	VERB
fsr-3902	275	34	in	in	ADP
fsr-3902	275	35	their	their	PRON
fsr-3902	275	36	lifetimes	lifetime	NOUN
fsr-3902	275	37	.	.	PUNCT
fsr-3902	276	1	we	we	PRON
fsr-3902	276	2	can	can	AUX
fsr-3902	276	3	only	only	ADV
fsr-3902	276	4	hope	hope	VERB
fsr-3902	276	5	to	to	PART
fsr-3902	276	6	give	give	VERB
fsr-3902	276	7	them	they	PRON
fsr-3902	276	8	a	a	DET
fsr-3902	276	9	framework	framework	NOUN
fsr-3902	276	10	on	on	ADP
fsr-3902	276	11	what	what	PRON
fsr-3902	276	12	are	be	AUX
fsr-3902	276	13	good	good	ADJ
fsr-3902	276	14	personal	personal	ADJ
fsr-3902	276	15	finance	finance	NOUN
fsr-3902	276	16	decisions	decision	NOUN
fsr-3902	276	17	and	and	CCONJ
fsr-3902	276	18	practices	practice	NOUN
fsr-3902	276	19	today	today	NOUN
fsr-3902	276	20	,	,	PUNCT
fsr-3902	276	21	and	and	CCONJ
fsr-3902	276	22	the	the	DET
fsr-3902	276	23	ability	ability	NOUN
fsr-3902	276	24	to	to	PART
fsr-3902	276	25	acquire	acquire	VERB
fsr-3902	276	26	the	the	DET
fsr-3902	276	27	necessary	necessary	ADJ
fsr-3902	276	28	knowledge	knowledge	NOUN
fsr-3902	276	29	and	and	CCONJ
fsr-3902	276	30	skills	skill	NOUN
fsr-3902	276	31	in	in	ADP
fsr-3902	276	32	the	the	DET
fsr-3902	276	33	future	future	NOUN
fsr-3902	276	34	.	.	PUNCT
fsr-3902	277	1	internet	internet	NOUN
fsr-3902	277	2	integration	integration	NOUN
fsr-3902	277	3	should	should	AUX
fsr-3902	277	4	serve	serve	VERB
fsr-3902	277	5	both	both	PRON
fsr-3902	277	6	of	of	ADP
fsr-3902	277	7	these	these	DET
fsr-3902	277	8	objectives	objective	NOUN
fsr-3902	277	9	well	well	ADV
fsr-3902	277	10	.	.	PUNCT
fsr-3902	278	1	internet	internet	NOUN
fsr-3902	278	2	integration	integration	NOUN
fsr-3902	278	3	should	should	AUX
fsr-3902	278	4	allow	allow	VERB
fsr-3902	278	5	the	the	DET
fsr-3902	278	6	student	student	NOUN
fsr-3902	278	7	to	to	PART
fsr-3902	278	8	access	access	VERB
fsr-3902	278	9	information	information	NOUN
fsr-3902	278	10	supplemental	supplemental	NOUN
fsr-3902	278	11	to	to	ADP
fsr-3902	278	12	the	the	DET
fsr-3902	278	13	text	text	NOUN
fsr-3902	278	14	,	,	PUNCT
fsr-3902	278	15	as	as	ADV
fsr-3902	278	16	well	well	ADV
fsr-3902	278	17	as	as	ADP
fsr-3902	278	18	information	information	NOUN
fsr-3902	278	19	that	that	PRON
fsr-3902	278	20	is	be	AUX
fsr-3902	278	21	more	more	ADV
fsr-3902	278	22	timely	timely	ADJ
fsr-3902	278	23	than	than	SCONJ
fsr-3902	278	24	can	can	AUX
fsr-3902	278	25	sometimes	sometimes	ADV
fsr-3902	278	26	be	be	AUX
fsr-3902	278	27	provided	provide	VERB
fsr-3902	278	28	in	in	ADP
fsr-3902	278	29	a	a	DET
fsr-3902	278	30	text	text	NOUN
fsr-3902	278	31	.	.	PUNCT
fsr-3902	279	1	internet	internet	NOUN
fsr-3902	279	2	integration	integration	NOUN
fsr-3902	279	3	will	will	AUX
fsr-3902	279	4	also	also	ADV
fsr-3902	279	5	provide	provide	VERB
fsr-3902	279	6	the	the	DET
fsr-3902	279	7	student	student	NOUN
fsr-3902	279	8	with	with	ADP
fsr-3902	279	9	the	the	DET
fsr-3902	279	10	skills	skill	NOUN
fsr-3902	279	11	to	to	PART
fsr-3902	279	12	acquire	acquire	VERB
fsr-3902	279	13	personal	personal	ADJ
fsr-3902	279	14	financial	financial	ADJ
fsr-3902	279	15	information	information	NOUN
fsr-3902	279	16	over	over	ADP
fsr-3902	279	17	his	his	PRON
fsr-3902	279	18	or	or	CCONJ
fsr-3902	279	19	her	her	PRON
fsr-3902	279	20	lifetime	lifetime	NOUN
fsr-3902	279	21	.	.	PUNCT
fsr-3902	280	1	students	student	NOUN
fsr-3902	280	2	taking	take	VERB
fsr-3902	280	3	personal	personal	ADJ
fsr-3902	280	4	finance	finance	NOUN
fsr-3902	280	5	as	as	ADP
fsr-3902	280	6	a	a	DET
fsr-3902	280	7	one	one	NUM
fsr-3902	280	8	-	-	PUNCT
fsr-3902	280	9	time	time	NOUN
fsr-3902	280	10	course	course	NOUN
fsr-3902	280	11	are	be	AUX
fsr-3902	280	12	315w	315w	NOUN
fsr-3902	280	13	.	.	PUNCT
fsr-3902	281	1	woerheide	woerheide	NOUN
fsr-3902	281	2	/	/	SYM
fsr-3902	281	3	financial	financial	ADJ
fsr-3902	281	4	services	service	NOUN
fsr-3902	281	5	review	review	VERB
fsr-3902	281	6	8	8	NUM
fsr-3902	281	7	(	(	PUNCT
fsr-3902	281	8	1999	1999	NUM
fsr-3902	281	9	)	)	PUNCT
fsr-3902	281	10	305–317	305–317	NUM
fsr-3902	281	11	usually	usually	ADV
fsr-3902	281	12	more	more	ADV
fsr-3902	281	13	interested	interested	ADJ
fsr-3902	281	14	in	in	ADP
fsr-3902	281	15	learning	learn	VERB
fsr-3902	281	16	how	how	SCONJ
fsr-3902	281	17	to	to	PART
fsr-3902	281	18	get	get	VERB
fsr-3902	281	19	answers	answer	NOUN
fsr-3902	281	20	to	to	ADP
fsr-3902	281	21	questions	question	NOUN
fsr-3902	281	22	than	than	ADP
fsr-3902	281	23	in	in	ADP
fsr-3902	281	24	learning	learn	VERB
fsr-3902	281	25	how	how	SCONJ
fsr-3902	281	26	to	to	PART
fsr-3902	281	27	solve	solve	VERB
fsr-3902	281	28	problems	problem	NOUN
fsr-3902	281	29	themselves	themselves	PRON
fsr-3902	281	30	.	.	PUNCT
fsr-3902	282	1	the	the	DET
fsr-3902	282	2	internet	internet	NOUN
fsr-3902	282	3	calculators	calculator	NOUN
fsr-3902	282	4	are	be	AUX
fsr-3902	282	5	great	great	ADJ
fsr-3902	282	6	in	in	ADP
fsr-3902	282	7	this	this	DET
fsr-3902	282	8	respect	respect	NOUN
fsr-3902	282	9	.	.	PUNCT
fsr-3902	283	1	the	the	DET
fsr-3902	283	2	internet	internet	NOUN
fsr-3902	283	3	integration	integration	NOUN
fsr-3902	283	4	will	will	AUX
fsr-3902	283	5	likely	likely	ADV
fsr-3902	283	6	still	still	ADV
fsr-3902	283	7	be	be	AUX
fsr-3902	283	8	helpful	helpful	ADJ
fsr-3902	283	9	for	for	ADP
fsr-3902	283	10	students	student	NOUN
fsr-3902	283	11	wanting	want	VERB
fsr-3902	283	12	to	to	PART
fsr-3902	283	13	major	major	VERB
fsr-3902	283	14	in	in	ADP
fsr-3902	283	15	this	this	DET
fsr-3902	283	16	area	area	NOUN
fsr-3902	283	17	,	,	PUNCT
fsr-3902	283	18	but	but	CCONJ
fsr-3902	283	19	not	not	PART
fsr-3902	283	20	as	as	ADV
fsr-3902	283	21	critical	critical	ADJ
fsr-3902	283	22	.	.	PUNCT
fsr-3902	284	1	the	the	DET
fsr-3902	284	2	access	access	NOUN
fsr-3902	284	3	to	to	ADP
fsr-3902	284	4	supplemental	supplemental	ADJ
fsr-3902	284	5	and	and	CCONJ
fsr-3902	284	6	more	more	ADJ
fsr-3902	284	7	up	up	ADP
fsr-3902	284	8	-	-	PUNCT
fsr-3902	284	9	to	to	ADP
fsr-3902	284	10	-	-	PUNCT
fsr-3902	284	11	date	date	NOUN
fsr-3902	284	12	information	information	NOUN
fsr-3902	284	13	is	be	AUX
fsr-3902	284	14	just	just	ADV
fsr-3902	284	15	as	as	ADV
fsr-3902	284	16	valuable	valuable	ADJ
fsr-3902	284	17	for	for	ADP
fsr-3902	284	18	these	these	DET
fsr-3902	284	19	students	student	NOUN
fsr-3902	284	20	,	,	PUNCT
fsr-3902	284	21	as	as	SCONJ
fsr-3902	284	22	is	be	AUX
fsr-3902	284	23	the	the	DET
fsr-3902	284	24	knowledge	knowledge	NOUN
fsr-3902	284	25	of	of	ADP
fsr-3902	284	26	how	how	SCONJ
fsr-3902	284	27	to	to	PART
fsr-3902	284	28	access	access	VERB
fsr-3902	284	29	such	such	ADJ
fsr-3902	284	30	information	information	NOUN
fsr-3902	284	31	on	on	ADP
fsr-3902	284	32	the	the	DET
fsr-3902	284	33	internet	internet	NOUN
fsr-3902	284	34	.	.	PUNCT
fsr-3902	285	1	however	however	ADV
fsr-3902	285	2	,	,	PUNCT
fsr-3902	285	3	students	student	NOUN
fsr-3902	285	4	majoring	major	VERB
fsr-3902	285	5	in	in	ADP
fsr-3902	285	6	personal	personal	ADJ
fsr-3902	285	7	finance	finance	NOUN
fsr-3902	285	8	need	need	VERB
fsr-3902	285	9	to	to	PART
fsr-3902	285	10	know	know	VERB
fsr-3902	285	11	the	the	DET
fsr-3902	285	12	mechanics	mechanic	NOUN
fsr-3902	285	13	of	of	ADP
fsr-3902	285	14	how	how	SCONJ
fsr-3902	285	15	to	to	PART
fsr-3902	285	16	solve	solve	VERB
fsr-3902	285	17	the	the	DET
fsr-3902	285	18	various	various	ADJ
fsr-3902	285	19	types	type	NOUN
fsr-3902	285	20	of	of	ADP
fsr-3902	285	21	problems	problem	NOUN
fsr-3902	285	22	in	in	ADP
fsr-3902	285	23	the	the	DET
fsr-3902	285	24	course	course	NOUN
fsr-3902	285	25	.	.	PUNCT
fsr-3902	286	1	they	they	PRON
fsr-3902	286	2	need	need	VERB
fsr-3902	286	3	to	to	PART
fsr-3902	286	4	know	know	VERB
fsr-3902	286	5	the	the	DET
fsr-3902	286	6	theory	theory	NOUN
fsr-3902	286	7	behind	behind	ADP
fsr-3902	286	8	the	the	DET
fsr-3902	286	9	calculations	calculation	NOUN
fsr-3902	286	10	being	be	AUX
fsr-3902	286	11	performed	perform	VERB
fsr-3902	286	12	.	.	PUNCT
fsr-3902	287	1	internet	internet	NOUN
fsr-3902	287	2	integration	integration	NOUN
fsr-3902	287	3	is	be	AUX
fsr-3902	287	4	unlikely	unlikely	ADJ
fsr-3902	287	5	to	to	PART
fsr-3902	287	6	do	do	VERB
fsr-3902	287	7	this	this	PRON
fsr-3902	287	8	.	.	PUNCT
fsr-3902	288	1	however	however	ADV
fsr-3902	288	2	,	,	PUNCT
fsr-3902	288	3	such	such	ADJ
fsr-3902	288	4	students	student	NOUN
fsr-3902	288	5	will	will	AUX
fsr-3902	288	6	also	also	ADV
fsr-3902	288	7	be	be	AUX
fsr-3902	288	8	taking	take	VERB
fsr-3902	288	9	more	more	ADJ
fsr-3902	288	10	than	than	ADP
fsr-3902	288	11	just	just	ADV
fsr-3902	288	12	this	this	DET
fsr-3902	288	13	one	one	NUM
fsr-3902	288	14	course	course	NOUN
fsr-3902	288	15	in	in	ADP
fsr-3902	288	16	this	this	DET
fsr-3902	288	17	area	area	NOUN
fsr-3902	288	18	.	.	PUNCT
fsr-3902	289	1	it	it	PRON
fsr-3902	289	2	is	be	AUX
fsr-3902	289	3	likely	likely	ADJ
fsr-3902	289	4	they	they	PRON
fsr-3902	289	5	will	will	AUX
fsr-3902	289	6	learn	learn	VERB
fsr-3902	289	7	the	the	DET
fsr-3902	289	8	theory	theory	NOUN
fsr-3902	289	9	and	and	CCONJ
fsr-3902	289	10	skills	skill	NOUN
fsr-3902	289	11	of	of	ADP
fsr-3902	289	12	doing	do	VERB
fsr-3902	289	13	these	these	DET
fsr-3902	289	14	calculations	calculation	NOUN
fsr-3902	289	15	in	in	ADP
fsr-3902	289	16	their	their	PRON
fsr-3902	289	17	other	other	ADJ
fsr-3902	289	18	courses	course	NOUN
fsr-3902	289	19	.	.	PUNCT
fsr-3902	290	1	it	it	PRON
fsr-3902	290	2	would	would	AUX
fsr-3902	290	3	be	be	AUX
fsr-3902	290	4	nice	nice	ADJ
fsr-3902	290	5	to	to	PART
fsr-3902	290	6	collect	collect	VERB
fsr-3902	290	7	some	some	DET
fsr-3902	290	8	empirical	empirical	ADJ
fsr-3902	290	9	data	datum	NOUN
fsr-3902	290	10	on	on	ADP
fsr-3902	290	11	whether	whether	SCONJ
fsr-3902	290	12	internet	internet	NOUN
fsr-3902	290	13	integration	integration	NOUN
fsr-3902	290	14	makes	make	VERB
fsr-3902	290	15	the	the	DET
fsr-3902	290	16	student	student	NOUN
fsr-3902	290	17	more	more	ADV
fsr-3902	290	18	knowledgeable	knowledgeable	ADJ
fsr-3902	290	19	and	and	CCONJ
fsr-3902	290	20	more	more	ADV
fsr-3902	290	21	skilled	skilled	ADJ
fsr-3902	290	22	.	.	PUNCT
fsr-3902	291	1	an	an	DET
fsr-3902	291	2	obvious	obvious	ADJ
fsr-3902	291	3	technique	technique	NOUN
fsr-3902	291	4	is	be	AUX
fsr-3902	291	5	to	to	PART
fsr-3902	291	6	run	run	VERB
fsr-3902	291	7	multiple	multiple	ADJ
fsr-3902	291	8	sections	section	NOUN
fsr-3902	291	9	of	of	ADP
fsr-3902	291	10	the	the	DET
fsr-3902	291	11	course	course	NOUN
fsr-3902	291	12	,	,	PUNCT
fsr-3902	291	13	and	and	CCONJ
fsr-3902	291	14	use	use	VERB
fsr-3902	291	15	the	the	DET
fsr-3902	291	16	internet	internet	NOUN
fsr-3902	291	17	in	in	ADP
fsr-3902	291	18	some	some	DET
fsr-3902	291	19	classes	class	NOUN
fsr-3902	291	20	and	and	CCONJ
fsr-3902	291	21	not	not	PART
fsr-3902	291	22	in	in	ADP
fsr-3902	291	23	others	other	NOUN
fsr-3902	291	24	.	.	PUNCT
fsr-3902	292	1	the	the	DET
fsr-3902	292	2	problem	problem	NOUN
fsr-3902	292	3	here	here	ADV
fsr-3902	292	4	is	be	AUX
fsr-3902	292	5	that	that	SCONJ
fsr-3902	292	6	these	these	DET
fsr-3902	292	7	students	student	NOUN
fsr-3902	292	8	will	will	AUX
fsr-3902	292	9	in	in	ADP
fsr-3902	292	10	fact	fact	NOUN
fsr-3902	292	11	be	be	AUX
fsr-3902	292	12	learning	learn	VERB
fsr-3902	292	13	slightly	slightly	ADV
fsr-3902	292	14	different	different	ADJ
fsr-3902	292	15	information	information	NOUN
fsr-3902	292	16	and	and	CCONJ
fsr-3902	292	17	skills	skill	NOUN
fsr-3902	292	18	.	.	PUNCT
fsr-3902	293	1	for	for	ADP
fsr-3902	293	2	example	example	NOUN
fsr-3902	293	3	,	,	PUNCT
fsr-3902	293	4	the	the	DET
fsr-3902	293	5	student	student	NOUN
fsr-3902	293	6	in	in	ADP
fsr-3902	293	7	the	the	DET
fsr-3902	293	8	non	non	ADJ
fsr-3902	293	9	-	-	ADJ
fsr-3902	293	10	internet	internet	ADJ
fsr-3902	293	11	course	course	NOUN
fsr-3902	293	12	may	may	AUX
fsr-3902	293	13	learn	learn	VERB
fsr-3902	293	14	how	how	SCONJ
fsr-3902	293	15	to	to	PART
fsr-3902	293	16	calculate	calculate	VERB
fsr-3902	293	17	a	a	DET
fsr-3902	293	18	mortgage	mortgage	NOUN
fsr-3902	293	19	payment	payment	NOUN
fsr-3902	293	20	given	give	VERB
fsr-3902	293	21	a	a	DET
fsr-3902	293	22	mortgage	mortgage	NOUN
fsr-3902	293	23	rate	rate	NOUN
fsr-3902	293	24	,	,	PUNCT
fsr-3902	293	25	but	but	CCONJ
fsr-3902	293	26	the	the	DET
fsr-3902	293	27	student	student	NOUN
fsr-3902	293	28	in	in	ADP
fsr-3902	293	29	the	the	DET
fsr-3902	293	30	internet	internet	NOUN
fsr-3902	293	31	course	course	NOUN
fsr-3902	293	32	will	will	AUX
fsr-3902	293	33	learn	learn	VERB
fsr-3902	293	34	sites	site	NOUN
fsr-3902	293	35	that	that	PRON
fsr-3902	293	36	will	will	AUX
fsr-3902	293	37	do	do	VERB
fsr-3902	293	38	this	this	DET
fsr-3902	293	39	calculation	calculation	NOUN
fsr-3902	293	40	,	,	PUNCT
fsr-3902	293	41	as	as	ADV
fsr-3902	293	42	well	well	ADV
fsr-3902	293	43	as	as	ADP
fsr-3902	293	44	how	how	SCONJ
fsr-3902	293	45	to	to	PART
fsr-3902	293	46	shop	shop	VERB
fsr-3902	293	47	for	for	ADP
fsr-3902	293	48	a	a	DET
fsr-3902	293	49	mortgage	mortgage	NOUN
fsr-3902	293	50	on	on	ADP
fsr-3902	293	51	the	the	DET
fsr-3902	293	52	internet	internet	NOUN
fsr-3902	293	53	.	.	PUNCT
fsr-3902	294	1	thus	thus	ADV
fsr-3902	294	2	,	,	PUNCT
fsr-3902	294	3	does	do	AUX
fsr-3902	294	4	the	the	DET
fsr-3902	294	5	student	student	NOUN
fsr-3902	294	6	learn	learn	VERB
fsr-3902	294	7	more	more	ADJ
fsr-3902	294	8	,	,	PUNCT
fsr-3902	294	9	learn	learn	VERB
fsr-3902	294	10	quicker	quick	ADV
fsr-3902	294	11	,	,	PUNCT
fsr-3902	294	12	or	or	CCONJ
fsr-3902	294	13	learn	learn	VERB
fsr-3902	294	14	better	well	ADV
fsr-3902	294	15	with	with	ADP
fsr-3902	294	16	internet	internet	NOUN
fsr-3902	294	17	integration	integration	NOUN
fsr-3902	294	18	is	be	AUX
fsr-3902	294	19	a	a	DET
fsr-3902	294	20	moot	moot	ADJ
fsr-3902	294	21	question	question	NOUN
fsr-3902	294	22	.	.	PUNCT
fsr-3902	295	1	the	the	DET
fsr-3902	295	2	real	real	ADJ
fsr-3902	295	3	question	question	NOUN
fsr-3902	295	4	is	be	AUX
fsr-3902	295	5	whether	whether	SCONJ
fsr-3902	295	6	the	the	DET
fsr-3902	295	7	student	student	NOUN
fsr-3902	295	8	is	be	AUX
fsr-3902	295	9	better	well	ADV
fsr-3902	295	10	prepared	prepared	ADJ
fsr-3902	295	11	to	to	PART
fsr-3902	295	12	handle	handle	VERB
fsr-3902	295	13	his	his	PRON
fsr-3902	295	14	or	or	CCONJ
fsr-3902	295	15	her	her	PRON
fsr-3902	295	16	personal	personal	ADJ
fsr-3902	295	17	finance	finance	NOUN
fsr-3902	295	18	problems	problem	NOUN
fsr-3902	295	19	over	over	ADP
fsr-3902	295	20	his	his	PRON
fsr-3902	295	21	or	or	CCONJ
fsr-3902	295	22	her	her	PRON
fsr-3902	295	23	lifetime	lifetime	NOUN
fsr-3902	295	24	.	.	PUNCT
fsr-3902	296	1	we	we	PRON
fsr-3902	296	2	can	can	AUX
fsr-3902	296	3	only	only	ADV
fsr-3902	296	4	make	make	VERB
fsr-3902	296	5	a	a	DET
fsr-3902	296	6	professional	professional	ADJ
fsr-3902	296	7	guess	guess	NOUN
fsr-3902	296	8	on	on	ADP
fsr-3902	296	9	this	this	DET
fsr-3902	296	10	question	question	NOUN
fsr-3902	296	11	,	,	PUNCT
fsr-3902	296	12	i	i	PRON
fsr-3902	296	13	do	do	AUX
fsr-3902	296	14	not	not	PART
fsr-3902	296	15	think	think	VERB
fsr-3902	296	16	we	we	PRON
fsr-3902	296	17	can	can	AUX
fsr-3902	296	18	empirically	empirically	ADV
fsr-3902	296	19	answer	answer	VERB
fsr-3902	296	20	it	it	PRON
fsr-3902	296	21	.	.	PUNCT
fsr-3902	297	1	having	having	AUX
fsr-3902	297	2	said	say	VERB
fsr-3902	297	3	this	this	PRON
fsr-3902	297	4	is	be	AUX
fsr-3902	297	5	an	an	DET
fsr-3902	297	6	unanswerable	unanswerable	ADJ
fsr-3902	297	7	question	question	NOUN
fsr-3902	297	8	,	,	PUNCT
fsr-3902	297	9	there	there	PRON
fsr-3902	297	10	is	be	VERB
fsr-3902	297	11	some	some	DET
fsr-3902	297	12	anecdotal	anecdotal	ADJ
fsr-3902	297	13	evidence	evidence	NOUN
fsr-3902	297	14	that	that	SCONJ
fsr-3902	297	15	internet	internet	NOUN
fsr-3902	297	16	integration	integration	NOUN
fsr-3902	297	17	improves	improve	VERB
fsr-3902	297	18	the	the	DET
fsr-3902	297	19	educational	educational	ADJ
fsr-3902	297	20	experience	experience	NOUN
fsr-3902	297	21	for	for	ADP
fsr-3902	297	22	the	the	DET
fsr-3902	297	23	student	student	NOUN
fsr-3902	297	24	.	.	PUNCT
fsr-3902	298	1	session	session	NOUN
fsr-3902	298	2	6	6	NUM
fsr-3902	298	3	of	of	ADP
fsr-3902	298	4	the	the	DET
fsr-3902	298	5	1999	1999	NUM
fsr-3902	298	6	academy	academy	NOUN
fsr-3902	298	7	of	of	ADP
fsr-3902	298	8	financial	financial	ADJ
fsr-3902	298	9	services	service	NOUN
fsr-3902	298	10	annual	annual	ADJ
fsr-3902	298	11	meeting	meeting	NOUN
fsr-3902	298	12	was	be	AUX
fsr-3902	298	13	a	a	DET
fsr-3902	298	14	tutorial	tutorial	NOUN
fsr-3902	298	15	entitled	entitle	VERB
fsr-3902	298	16	“	"	PUNCT
fsr-3902	298	17	teaching	teach	VERB
fsr-3902	298	18	personal	personal	ADJ
fsr-3902	298	19	finance	finance	NOUN
fsr-3902	298	20	online	online	ADV
fsr-3902	298	21	.	.	PUNCT
fsr-3902	298	22	”	"	PUNCT
fsr-3902	299	1	one	one	NUM
fsr-3902	299	2	of	of	ADP
fsr-3902	299	3	the	the	DET
fsr-3902	299	4	presenters	presenter	NOUN
fsr-3902	299	5	had	have	AUX
fsr-3902	299	6	heard	hear	VERB
fsr-3902	299	7	the	the	DET
fsr-3902	299	8	presentation	presentation	NOUN
fsr-3902	299	9	of	of	ADP
fsr-3902	299	10	an	an	DET
fsr-3902	299	11	earlier	early	ADJ
fsr-3902	299	12	version	version	NOUN
fsr-3902	299	13	of	of	ADP
fsr-3902	299	14	this	this	DET
fsr-3902	299	15	paper	paper	NOUN
fsr-3902	299	16	at	at	ADP
fsr-3902	299	17	the	the	DET
fsr-3902	299	18	1998	1998	NUM
fsr-3902	299	19	meeting	meeting	NOUN
fsr-3902	299	20	,	,	PUNCT
fsr-3902	299	21	and	and	CCONJ
fsr-3902	299	22	took	take	VERB
fsr-3902	299	23	up	up	ADP
fsr-3902	299	24	the	the	DET
fsr-3902	299	25	challenge	challenge	NOUN
fsr-3902	299	26	of	of	ADP
fsr-3902	299	27	attempting	attempt	VERB
fsr-3902	299	28	to	to	PART
fsr-3902	299	29	construct	construct	VERB
fsr-3902	299	30	the	the	DET
fsr-3902	299	31	ideal	ideal	ADJ
fsr-3902	299	32	internet	internet	NOUN
fsr-3902	299	33	integrated	integrate	VERB
fsr-3902	299	34	course	course	NOUN
fsr-3902	299	35	.	.	PUNCT
fsr-3902	300	1	the	the	DET
fsr-3902	300	2	course	course	NOUN
fsr-3902	300	3	developed	develop	VERB
fsr-3902	300	4	was	be	AUX
fsr-3902	300	5	a	a	DET
fsr-3902	300	6	distance	distance	NOUN
fsr-3902	300	7	learning	learning	NOUN
fsr-3902	300	8	course	course	NOUN
fsr-3902	300	9	.	.	PUNCT
fsr-3902	301	1	the	the	DET
fsr-3902	301	2	presenters	presenter	NOUN
fsr-3902	301	3	noted	note	VERB
fsr-3902	301	4	that	that	SCONJ
fsr-3902	301	5	compared	compare	VERB
fsr-3902	301	6	to	to	ADP
fsr-3902	301	7	another	another	DET
fsr-3902	301	8	course	course	NOUN
fsr-3902	301	9	taught	teach	VERB
fsr-3902	301	10	on	on	ADP
fsr-3902	301	11	-	-	PUNCT
fsr-3902	301	12	campus	campus	NOUN
fsr-3902	301	13	in	in	ADP
fsr-3902	301	14	the	the	DET
fsr-3902	301	15	traditional	traditional	ADJ
fsr-3902	301	16	approach	approach	NOUN
fsr-3902	301	17	,	,	PUNCT
fsr-3902	301	18	the	the	DET
fsr-3902	301	19	students	student	NOUN
fsr-3902	301	20	in	in	ADP
fsr-3902	301	21	the	the	DET
fsr-3902	301	22	internet	internet	NOUN
fsr-3902	301	23	integrated	integrate	VERB
fsr-3902	301	24	course	course	NOUN
fsr-3902	301	25	appeared	appear	VERB
fsr-3902	301	26	to	to	PART
fsr-3902	301	27	be	be	AUX
fsr-3902	301	28	more	more	ADV
fsr-3902	301	29	satisfied	satisfied	ADJ
fsr-3902	301	30	with	with	ADP
fsr-3902	301	31	the	the	DET
fsr-3902	301	32	course	course	NOUN
fsr-3902	301	33	and	and	CCONJ
fsr-3902	301	34	to	to	PART
fsr-3902	301	35	have	have	AUX
fsr-3902	301	36	learned	learn	VERB
fsr-3902	301	37	more	more	ADJ
fsr-3902	301	38	.	.	PUNCT
fsr-3902	302	1	10	10	X
fsr-3902	302	2	.	.	PUNCT
fsr-3902	303	1	summary	summary	NOUN
fsr-3902	303	2	there	there	PRON
fsr-3902	303	3	are	be	VERB
fsr-3902	303	4	four	four	NUM
fsr-3902	303	5	points	point	NOUN
fsr-3902	303	6	to	to	ADP
fsr-3902	303	7	this	this	DET
fsr-3902	303	8	article	article	NOUN
fsr-3902	303	9	:	:	PUNCT
fsr-3902	304	1	1	1	X
fsr-3902	304	2	.	.	PUNCT
fsr-3902	305	1	the	the	DET
fsr-3902	305	2	current	current	ADJ
fsr-3902	305	3	and	and	CCONJ
fsr-3902	305	4	forthcoming	forthcoming	ADJ
fsr-3902	305	5	editions	edition	NOUN
fsr-3902	305	6	of	of	ADP
fsr-3902	305	7	personal	personal	ADJ
fsr-3902	305	8	finance	finance	NOUN
fsr-3902	305	9	textbooks	textbook	NOUN
fsr-3902	305	10	on	on	ADP
fsr-3902	305	11	the	the	DET
fsr-3902	305	12	market	market	NOUN
fsr-3902	305	13	mark	mark	VERB
fsr-3902	305	14	a	a	DET
fsr-3902	305	15	major	major	ADJ
fsr-3902	305	16	turning	turning	NOUN
fsr-3902	305	17	point	point	NOUN
fsr-3902	305	18	in	in	ADP
fsr-3902	305	19	terms	term	NOUN
fsr-3902	305	20	of	of	ADP
fsr-3902	305	21	going	go	VERB
fsr-3902	305	22	from	from	ADP
fsr-3902	305	23	being	be	AUX
fsr-3902	305	24	virtually	virtually	ADV
fsr-3902	305	25	unaware	unaware	ADJ
fsr-3902	305	26	of	of	ADP
fsr-3902	305	27	the	the	DET
fsr-3902	305	28	internet	internet	NOUN
fsr-3902	305	29	,	,	PUNCT
fsr-3902	305	30	to	to	ADP
fsr-3902	305	31	incorporating	incorporate	VERB
fsr-3902	305	32	the	the	DET
fsr-3902	305	33	internet	internet	NOUN
fsr-3902	305	34	.	.	PUNCT
fsr-3902	306	1	2	2	X
fsr-3902	306	2	.	.	X
fsr-3902	306	3	the	the	DET
fsr-3902	306	4	most	most	ADV
fsr-3902	306	5	aggressive	aggressive	ADJ
fsr-3902	306	6	next	next	ADJ
fsr-3902	306	7	set	set	NOUN
fsr-3902	306	8	of	of	ADP
fsr-3902	306	9	personal	personal	ADJ
fsr-3902	306	10	finance	finance	NOUN
fsr-3902	306	11	textbook	textbook	NOUN
fsr-3902	306	12	editions	edition	NOUN
fsr-3902	306	13	will	will	AUX
fsr-3902	306	14	incorporate	incorporate	VERB
fsr-3902	306	15	the	the	DET
fsr-3902	306	16	internet	internet	NOUN
fsr-3902	306	17	into	into	ADP
fsr-3902	306	18	the	the	DET
fsr-3902	306	19	chapters	chapter	NOUN
fsr-3902	306	20	as	as	ADP
fsr-3902	306	21	a	a	DET
fsr-3902	306	22	crucial	crucial	ADJ
fsr-3902	306	23	part	part	NOUN
fsr-3902	306	24	of	of	ADP
fsr-3902	306	25	the	the	DET
fsr-3902	306	26	text	text	NOUN
fsr-3902	306	27	,	,	PUNCT
fsr-3902	306	28	rather	rather	ADV
fsr-3902	306	29	than	than	ADP
fsr-3902	306	30	just	just	ADV
fsr-3902	306	31	presenting	present	VERB
fsr-3902	306	32	it	it	PRON
fsr-3902	306	33	as	as	ADP
fsr-3902	306	34	supplemental	supplemental	ADJ
fsr-3902	306	35	information	information	NOUN
fsr-3902	306	36	and	and	CCONJ
fsr-3902	306	37	optional	optional	ADJ
fsr-3902	306	38	activities	activity	NOUN
fsr-3902	306	39	.	.	PUNCT
fsr-3902	307	1	3	3	X
fsr-3902	307	2	.	.	X
fsr-3902	307	3	the	the	DET
fsr-3902	307	4	internet	internet	NOUN
fsr-3902	307	5	will	will	AUX
fsr-3902	307	6	eventually	eventually	ADV
fsr-3902	307	7	replace	replace	VERB
fsr-3902	307	8	our	our	PRON
fsr-3902	307	9	personal	personal	ADJ
fsr-3902	307	10	finance	finance	NOUN
fsr-3902	307	11	textbooks	textbook	NOUN
fsr-3902	307	12	as	as	SCONJ
fsr-3902	307	13	we	we	PRON
fsr-3902	307	14	currently	currently	ADV
fsr-3902	307	15	316	316	NUM
fsr-3902	307	16	w.	w.	PROPN
fsr-3902	307	17	woerheide	woerheide	PROPN
fsr-3902	307	18	/	/	SYM
fsr-3902	307	19	financial	financial	ADJ
fsr-3902	307	20	services	service	NOUN
fsr-3902	307	21	review	review	VERB
fsr-3902	307	22	8	8	NUM
fsr-3902	307	23	(	(	PUNCT
fsr-3902	307	24	1999	1999	NUM
fsr-3902	307	25	)	)	PUNCT
fsr-3902	307	26	305–317	305–317	NUM
fsr-3902	307	27	think	think	VERB
fsr-3902	307	28	about	about	ADP
fsr-3902	307	29	them	they	PRON
fsr-3902	307	30	.	.	PUNCT
fsr-3902	308	1	we	we	PRON
fsr-3902	308	2	may	may	AUX
fsr-3902	308	3	use	use	VERB
fsr-3902	308	4	only	only	ADV
fsr-3902	308	5	shorter	short	ADJ
fsr-3902	308	6	reference	reference	NOUN
fsr-3902	308	7	books	book	NOUN
fsr-3902	308	8	that	that	PRON
fsr-3902	308	9	provide	provide	VERB
fsr-3902	308	10	the	the	DET
fsr-3902	308	11	transition	transition	NOUN
fsr-3902	308	12	to	to	PART
fsr-3902	308	13	move	move	VERB
fsr-3902	308	14	from	from	ADP
fsr-3902	308	15	web	web	NOUN
fsr-3902	308	16	site	site	NOUN
fsr-3902	308	17	to	to	ADP
fsr-3902	308	18	web	web	NOUN
fsr-3902	308	19	site	site	NOUN
fsr-3902	308	20	.	.	PUNCT
fsr-3902	309	1	4	4	X
fsr-3902	309	2	.	.	X
fsr-3902	309	3	the	the	DET
fsr-3902	309	4	internet	internet	NOUN
fsr-3902	309	5	integration	integration	NOUN
fsr-3902	309	6	is	be	AUX
fsr-3902	309	7	changing	change	VERB
fsr-3902	309	8	what	what	PRON
fsr-3902	309	9	the	the	DET
fsr-3902	309	10	student	student	NOUN
fsr-3902	309	11	learns	learn	VERB
fsr-3902	309	12	in	in	ADP
fsr-3902	309	13	the	the	DET
fsr-3902	309	14	personal	personal	ADJ
fsr-3902	309	15	finance	finance	NOUN
fsr-3902	309	16	course	course	NOUN
fsr-3902	309	17	,	,	PUNCT
fsr-3902	309	18	and	and	CCONJ
fsr-3902	309	19	what	what	PRON
fsr-3902	309	20	skills	skill	VERB
fsr-3902	309	21	the	the	DET
fsr-3902	309	22	student	student	NOUN
fsr-3902	309	23	acquires	acquire	VERB
fsr-3902	309	24	.	.	PUNCT
fsr-3902	310	1	we	we	PRON
fsr-3902	310	2	can	can	AUX
fsr-3902	310	3	only	only	ADV
fsr-3902	310	4	surmise	surmise	VERB
fsr-3902	310	5	that	that	SCONJ
fsr-3902	310	6	these	these	DET
fsr-3902	310	7	changes	change	NOUN
fsr-3902	310	8	will	will	AUX
fsr-3902	310	9	make	make	VERB
fsr-3902	310	10	the	the	DET
fsr-3902	310	11	students	student	NOUN
fsr-3902	310	12	better	well	ADV
fsr-3902	310	13	prepared	prepared	ADJ
fsr-3902	310	14	to	to	PART
fsr-3902	310	15	manage	manage	VERB
fsr-3902	310	16	their	their	PRON
fsr-3902	310	17	personal	personal	ADJ
fsr-3902	310	18	finances	finance	NOUN
fsr-3902	310	19	over	over	ADP
fsr-3902	310	20	their	their	PRON
fsr-3902	310	21	lifetimes	lifetime	NOUN
fsr-3902	310	22	.	.	PUNCT
fsr-3902	311	1	acknowledgments	acknowledgment	NOUN
fsr-3902	311	2	the	the	DET
fsr-3902	311	3	author	author	NOUN
fsr-3902	311	4	wishes	wish	VERB
fsr-3902	311	5	to	to	PART
fsr-3902	311	6	thank	thank	VERB
fsr-3902	311	7	the	the	DET
fsr-3902	311	8	editor	editor	NOUN
fsr-3902	311	9	and	and	CCONJ
fsr-3902	311	10	two	two	NUM
fsr-3902	311	11	anonymous	anonymous	ADJ
fsr-3902	311	12	referees	referee	NOUN
fsr-3902	311	13	for	for	ADP
fsr-3902	311	14	their	their	PRON
fsr-3902	311	15	comments	comment	NOUN
fsr-3902	311	16	.	.	PUNCT
fsr-3902	312	1	several	several	ADJ
fsr-3902	312	2	comments	comment	NOUN
fsr-3902	312	3	and	and	CCONJ
fsr-3902	312	4	thoughts	thought	NOUN
fsr-3902	312	5	of	of	ADP
fsr-3902	312	6	the	the	DET
fsr-3902	312	7	referees	referee	NOUN
fsr-3902	312	8	have	have	AUX
fsr-3902	312	9	been	be	AUX
fsr-3902	312	10	added	add	VERB
fsr-3902	312	11	to	to	ADP
fsr-3902	312	12	the	the	DET
fsr-3902	312	13	revised	revise	VERB
fsr-3902	312	14	version	version	NOUN
fsr-3902	312	15	of	of	ADP
fsr-3902	312	16	this	this	DET
fsr-3902	312	17	paper	paper	NOUN
fsr-3902	312	18	.	.	PUNCT
fsr-3902	313	1	i	i	PRON
fsr-3902	313	2	also	also	ADV
fsr-3902	313	3	wish	wish	VERB
fsr-3902	313	4	to	to	PART
fsr-3902	313	5	thank	thank	VERB
fsr-3902	313	6	bob	bob	PROPN
fsr-3902	313	7	bohn	bohn	PROPN
fsr-3902	313	8	for	for	ADP
fsr-3902	313	9	organizing	organize	VERB
fsr-3902	313	10	the	the	DET
fsr-3902	313	11	panel	panel	NOUN
fsr-3902	313	12	session	session	NOUN
fsr-3902	313	13	at	at	ADP
fsr-3902	313	14	the	the	DET
fsr-3902	313	15	1998	1998	NUM
fsr-3902	313	16	afs	afs	NOUN
fsr-3902	313	17	meeting	meeting	NOUN
fsr-3902	313	18	at	at	ADP
fsr-3902	313	19	which	which	PRON
fsr-3902	313	20	many	many	ADJ
fsr-3902	313	21	of	of	ADP
fsr-3902	313	22	the	the	DET
fsr-3902	313	23	ideas	idea	NOUN
fsr-3902	313	24	for	for	ADP
fsr-3902	313	25	this	this	DET
fsr-3902	313	26	paper	paper	NOUN
fsr-3902	313	27	were	be	AUX
fsr-3902	313	28	first	first	ADV
fsr-3902	313	29	presented	present	VERB
fsr-3902	313	30	.	.	PUNCT
fsr-3902	314	1	i	i	PRON
fsr-3902	314	2	thank	thank	VERB
fsr-3902	314	3	don	don	PROPN
fsr-3902	314	4	holdren	holdren	NOUN
fsr-3902	314	5	for	for	ADP
fsr-3902	314	6	his	his	PRON
fsr-3902	314	7	positive	positive	ADJ
fsr-3902	314	8	support	support	NOUN
fsr-3902	314	9	of	of	ADP
fsr-3902	314	10	the	the	DET
fsr-3902	314	11	ideas	idea	NOUN
fsr-3902	314	12	presented	present	VERB
fsr-3902	314	13	herein	herein	NOUN
fsr-3902	314	14	by	by	ADP
fsr-3902	314	15	accepting	accept	VERB
fsr-3902	314	16	the	the	DET
fsr-3902	314	17	challenge	challenge	NOUN
fsr-3902	314	18	delivered	deliver	VERB
fsr-3902	314	19	at	at	ADP
fsr-3902	314	20	that	that	DET
fsr-3902	314	21	session	session	NOUN
fsr-3902	314	22	and	and	CCONJ
fsr-3902	314	23	developing	develop	VERB
fsr-3902	314	24	an	an	DET
fsr-3902	314	25	all	all	DET
fsr-3902	314	26	internet	internet	NOUN
fsr-3902	314	27	,	,	PUNCT
fsr-3902	314	28	textbook	textbook	NOUN
fsr-3902	314	29	free	free	ADJ
fsr-3902	314	30	course	course	NOUN
fsr-3902	314	31	.	.	PUNCT
fsr-3902	315	1	317w	317w	NUM
fsr-3902	315	2	.	.	PUNCT
fsr-3902	316	1	woerheide	woerheide	NOUN
fsr-3902	316	2	/	/	SYM
fsr-3902	316	3	financial	financial	ADJ
fsr-3902	316	4	services	service	NOUN
fsr-3902	316	5	review	review	VERB
fsr-3902	316	6	8	8	NUM
fsr-3902	316	7	(	(	PUNCT
fsr-3902	316	8	1999	1999	NUM
fsr-3902	316	9	)	)	PUNCT
fsr-3902	316	10	305–317	305–317	NUM