id	sid	tid	token	lemma	pos
fsr-3918	1	1	pii	pii	PROPN
fsr-3918	1	2	:	:	PUNCT
fsr-3918	1	3	s1057	s1057	NOUN
fsr-3918	1	4	-	-	PUNCT
fsr-3918	1	5	0810(00)00063	0810(00)00063	NUM
fsr-3918	1	6	-	-	PUNCT
fsr-3918	1	7	9	9	NUM
fsr-3918	1	8	risk	risk	NOUN
fsr-3918	1	9	tolerance	tolerance	NOUN
fsr-3918	1	10	and	and	CCONJ
fsr-3918	1	11	asset	asset	NOUN
fsr-3918	1	12	allocation	allocation	NOUN
fsr-3918	1	13	for	for	ADP
fsr-3918	1	14	investors	investor	NOUN
fsr-3918	1	15	nearing	near	VERB
fsr-3918	1	16	retirement	retirement	PROPN
fsr-3918	1	17	govind	govind	PROPN
fsr-3918	1	18	hariharana	hariharana	PROPN
fsr-3918	1	19	,	,	PUNCT
fsr-3918	1	20	kenneth	kenneth	PROPN
fsr-3918	1	21	s.	s.	PROPN
fsr-3918	1	22	chapmanb	chapmanb	PROPN
fsr-3918	1	23	,	,	PUNCT
fsr-3918	1	24	dale	dale	PROPN
fsr-3918	1	25	l.	l.	PROPN
fsr-3918	1	26	domianc	domianc	PROPN
fsr-3918	1	27	,	,	PUNCT
fsr-3918	1	28	*	*	PUNCT
fsr-3918	1	29	aschool	aschool	NOUN
fsr-3918	1	30	of	of	ADP
fsr-3918	1	31	management	management	NOUN
fsr-3918	1	32	,	,	PUNCT
fsr-3918	1	33	university	university	NOUN
fsr-3918	1	34	at	at	ADP
fsr-3918	1	35	buffalo	buffalo	PROPN
fsr-3918	1	36	,	,	PUNCT
fsr-3918	1	37	buffalo	buffalo	PROPN
fsr-3918	1	38	,	,	PUNCT
fsr-3918	1	39	ny	ny	PROPN
fsr-3918	1	40	14260	14260	NUM
fsr-3918	1	41	,	,	PUNCT
fsr-3918	1	42	usa	usa	PROPN
fsr-3918	1	43	bcalifornia	bcalifornia	PROPN
fsr-3918	1	44	state	state	PROPN
fsr-3918	1	45	university	university	PROPN
fsr-3918	1	46	,	,	PUNCT
fsr-3918	1	47	northridge	northridge	NOUN
fsr-3918	1	48	,	,	PUNCT
fsr-3918	1	49	northridge	northridge	NOUN
fsr-3918	1	50	,	,	PUNCT
fsr-3918	1	51	ca	ca	NOUN
fsr-3918	1	52	91330	91330	NUM
fsr-3918	1	53	,	,	PUNCT
fsr-3918	1	54	usa	usa	PROPN
fsr-3918	1	55	ccollege	ccollege	PROPN
fsr-3918	1	56	of	of	ADP
fsr-3918	1	57	commerce	commerce	PROPN
fsr-3918	1	58	,	,	PUNCT
fsr-3918	1	59	university	university	PROPN
fsr-3918	1	60	of	of	ADP
fsr-3918	1	61	saskatchewan	saskatchewan	PROPN
fsr-3918	1	62	,	,	PUNCT
fsr-3918	1	63	saskatoon	saskatoon	PROPN
fsr-3918	1	64	,	,	PUNCT
fsr-3918	1	65	sk	sk	VERB
fsr-3918	1	66	s7n	s7n	ADP
fsr-3918	1	67	5a7	5a7	NUM
fsr-3918	1	68	,	,	PUNCT
fsr-3918	1	69	canada	canada	PROPN
fsr-3918	1	70	received	receive	VERB
fsr-3918	1	71	17	17	NUM
fsr-3918	1	72	may	may	PROPN
fsr-3918	1	73	1999	1999	NUM
fsr-3918	1	74	;	;	PUNCT
fsr-3918	1	75	received	receive	VERB
fsr-3918	1	76	in	in	ADP
fsr-3918	1	77	revised	revise	VERB
fsr-3918	1	78	form	form	NOUN
fsr-3918	1	79	6	6	NUM
fsr-3918	1	80	march	march	NOUN
fsr-3918	1	81	2000	2000	NUM
fsr-3918	1	82	;	;	PUNCT
fsr-3918	1	83	accepted	accept	VERB
fsr-3918	1	84	6	6	NUM
fsr-3918	1	85	march	march	NOUN
fsr-3918	1	86	2000	2000	NUM
fsr-3918	1	87	abstract	abstract	NOUN
fsr-3918	1	88	this	this	DET
fsr-3918	1	89	paper	paper	NOUN
fsr-3918	1	90	uses	use	VERB
fsr-3918	1	91	a	a	DET
fsr-3918	1	92	large	large	ADJ
fsr-3918	1	93	individual	individual	ADJ
fsr-3918	1	94	-	-	PUNCT
fsr-3918	1	95	level	level	NOUN
fsr-3918	1	96	data	datum	NOUN
fsr-3918	1	97	set	set	VERB
fsr-3918	1	98	to	to	PART
fsr-3918	1	99	isolate	isolate	VERB
fsr-3918	1	100	the	the	DET
fsr-3918	1	101	effects	effect	NOUN
fsr-3918	1	102	of	of	ADP
fsr-3918	1	103	risk	risk	NOUN
fsr-3918	1	104	tolerance	tolerance	NOUN
fsr-3918	1	105	on	on	ADP
fsr-3918	1	106	portfolio	portfolio	NOUN
fsr-3918	1	107	composition	composition	NOUN
fsr-3918	1	108	.	.	PUNCT
fsr-3918	2	1	we	we	PRON
fsr-3918	2	2	test	test	VERB
fsr-3918	2	3	and	and	CCONJ
fsr-3918	2	4	confirm	confirm	VERB
fsr-3918	2	5	two	two	NUM
fsr-3918	2	6	predictions	prediction	NOUN
fsr-3918	2	7	of	of	ADP
fsr-3918	2	8	the	the	DET
fsr-3918	2	9	capital	capital	NOUN
fsr-3918	2	10	asset	asset	NOUN
fsr-3918	2	11	pricing	pricing	NOUN
fsr-3918	2	12	model	model	NOUN
fsr-3918	2	13	:	:	PUNCT
fsr-3918	2	14	(	(	PUNCT
fsr-3918	2	15	1	1	X
fsr-3918	2	16	)	)	PUNCT
fsr-3918	2	17	increased	increase	VERB
fsr-3918	2	18	risk	risk	NOUN
fsr-3918	2	19	tolerance	tolerance	NOUN
fsr-3918	2	20	reduces	reduce	VERB
fsr-3918	2	21	an	an	DET
fsr-3918	2	22	individual	individual	NOUN
fsr-3918	2	23	’s	’s	PART
fsr-3918	2	24	propensity	propensity	NOUN
fsr-3918	2	25	to	to	PART
fsr-3918	2	26	purchase	purchase	VERB
fsr-3918	2	27	risk	risk	NOUN
fsr-3918	2	28	-	-	PUNCT
fsr-3918	2	29	free	free	ADJ
fsr-3918	2	30	assets	asset	NOUN
fsr-3918	2	31	;	;	PUNCT
fsr-3918	2	32	and	and	CCONJ
fsr-3918	2	33	(	(	PUNCT
fsr-3918	2	34	2	2	X
fsr-3918	2	35	)	)	PUNCT
fsr-3918	2	36	higher	high	ADJ
fsr-3918	2	37	risk	risk	NOUN
fsr-3918	2	38	tolerance	tolerance	NOUN
fsr-3918	2	39	does	do	AUX
fsr-3918	2	40	not	not	PART
fsr-3918	2	41	affect	affect	VERB
fsr-3918	2	42	the	the	DET
fsr-3918	2	43	composition	composition	NOUN
fsr-3918	2	44	of	of	ADP
fsr-3918	2	45	an	an	DET
fsr-3918	2	46	individual	individual	NOUN
fsr-3918	2	47	’s	’s	PART
fsr-3918	2	48	portfolio	portfolio	NOUN
fsr-3918	2	49	of	of	ADP
fsr-3918	2	50	risky	risky	ADJ
fsr-3918	2	51	assets	asset	NOUN
fsr-3918	2	52	.	.	PUNCT
fsr-3918	3	1	more	more	ADV
fsr-3918	3	2	specifically	specifically	ADV
fsr-3918	3	3	,	,	PUNCT
fsr-3918	3	4	we	we	PRON
fsr-3918	3	5	find	find	VERB
fsr-3918	3	6	that	that	DET
fsr-3918	3	7	risk	risk	VERB
fsr-3918	3	8	tolerant	tolerant	ADJ
fsr-3918	3	9	investors	investor	NOUN
fsr-3918	3	10	nearing	near	VERB
fsr-3918	3	11	retirement	retirement	NOUN
fsr-3918	3	12	do	do	AUX
fsr-3918	3	13	not	not	PART
fsr-3918	3	14	reduce	reduce	VERB
fsr-3918	3	15	their	their	PRON
fsr-3918	3	16	bond	bond	NOUN
fsr-3918	3	17	allocations	allocation	NOUN
fsr-3918	3	18	in	in	ADP
fsr-3918	3	19	order	order	NOUN
fsr-3918	3	20	to	to	PART
fsr-3918	3	21	buy	buy	VERB
fsr-3918	3	22	more	more	ADJ
fsr-3918	3	23	stock	stock	NOUN
fsr-3918	3	24	.	.	PUNCT
fsr-3918	4	1	©	©	ADP
fsr-3918	4	2	2000	2000	NUM
fsr-3918	4	3	elsevier	elsevier	PROPN
fsr-3918	4	4	science	science	PROPN
fsr-3918	4	5	inc	inc	PROPN
fsr-3918	4	6	.	.	PUNCT
fsr-3918	5	1	all	all	DET
fsr-3918	5	2	rights	right	NOUN
fsr-3918	5	3	reserved	reserve	VERB
fsr-3918	5	4	.	.	PUNCT
fsr-3918	6	1	jel	jel	PROPN
fsr-3918	6	2	classification	classification	NOUN
fsr-3918	6	3	:	:	PUNCT
fsr-3918	6	4	g11	g11	PROPN
fsr-3918	6	5	;	;	PUNCT
fsr-3918	6	6	d12	d12	ADJ
fsr-3918	6	7	keywords	keyword	NOUN
fsr-3918	6	8	:	:	PUNCT
fsr-3918	6	9	portfolio	portfolio	NOUN
fsr-3918	6	10	choice	choice	NOUN
fsr-3918	6	11	;	;	PUNCT
fsr-3918	6	12	asset	asset	NOUN
fsr-3918	6	13	allocation	allocation	NOUN
fsr-3918	6	14	;	;	PUNCT
fsr-3918	6	15	risk	risk	NOUN
fsr-3918	6	16	aversion	aversion	NOUN
fsr-3918	6	17	1	1	NUM
fsr-3918	6	18	.	.	PUNCT
fsr-3918	6	19	introduction	introduction	NOUN
fsr-3918	6	20	canner	canner	NOUN
fsr-3918	6	21	,	,	PUNCT
fsr-3918	6	22	mankiw	mankiw	NOUN
fsr-3918	6	23	and	and	CCONJ
fsr-3918	6	24	weil	weil	PROPN
fsr-3918	6	25	(	(	PUNCT
fsr-3918	6	26	1997	1997	NUM
fsr-3918	6	27	)	)	PUNCT
fsr-3918	6	28	suggest	suggest	VERB
fsr-3918	6	29	that	that	SCONJ
fsr-3918	6	30	wall	wall	PROPN
fsr-3918	6	31	street	street	PROPN
fsr-3918	6	32	financial	financial	ADJ
fsr-3918	6	33	planners	planner	NOUN
fsr-3918	6	34	often	often	ADV
fsr-3918	6	35	recommend	recommend	VERB
fsr-3918	6	36	a	a	DET
fsr-3918	6	37	different	different	ADJ
fsr-3918	6	38	mix	mix	NOUN
fsr-3918	6	39	of	of	ADP
fsr-3918	6	40	financial	financial	ADJ
fsr-3918	6	41	assets	asset	NOUN
fsr-3918	6	42	for	for	ADP
fsr-3918	6	43	highly	highly	ADV
fsr-3918	6	44	risk	risk	NOUN
fsr-3918	6	45	tolerant	tolerant	ADJ
fsr-3918	6	46	clients	client	NOUN
fsr-3918	6	47	than	than	ADP
fsr-3918	6	48	for	for	ADP
fsr-3918	6	49	more	more	ADJ
fsr-3918	6	50	risk	risk	NOUN
fsr-3918	6	51	averse	averse	ADJ
fsr-3918	6	52	individuals	individual	NOUN
fsr-3918	6	53	.	.	PUNCT
fsr-3918	7	1	risk	risk	NOUN
fsr-3918	7	2	tolerant	tolerant	ADJ
fsr-3918	7	3	investors	investor	NOUN
fsr-3918	7	4	should	should	AUX
fsr-3918	7	5	buy	buy	VERB
fsr-3918	7	6	more	more	ADV
fsr-3918	7	7	high	high	ADJ
fsr-3918	7	8	risk	risk	NOUN
fsr-3918	7	9	,	,	PUNCT
fsr-3918	7	10	high	high	ADJ
fsr-3918	7	11	expected	expected	ADJ
fsr-3918	7	12	return	return	NOUN
fsr-3918	7	13	assets	asset	NOUN
fsr-3918	7	14	such	such	ADJ
fsr-3918	7	15	as	as	ADP
fsr-3918	7	16	stocks	stock	NOUN
fsr-3918	7	17	,	,	PUNCT
fsr-3918	7	18	than	than	ADP
fsr-3918	7	19	low	low	ADJ
fsr-3918	7	20	risk	risk	NOUN
fsr-3918	7	21	,	,	PUNCT
fsr-3918	7	22	low	low	ADJ
fsr-3918	7	23	expected	expected	ADJ
fsr-3918	7	24	return	return	NOUN
fsr-3918	7	25	assets	asset	NOUN
fsr-3918	7	26	such	such	ADJ
fsr-3918	7	27	as	as	ADP
fsr-3918	7	28	bonds	bond	NOUN
fsr-3918	7	29	.	.	PUNCT
fsr-3918	8	1	as	as	ADV
fsr-3918	8	2	plausible	plausible	ADJ
fsr-3918	8	3	as	as	SCONJ
fsr-3918	8	4	this	this	DET
fsr-3918	8	5	advice	advice	NOUN
fsr-3918	8	6	may	may	AUX
fsr-3918	8	7	sound	sound	VERB
fsr-3918	8	8	,	,	PUNCT
fsr-3918	8	9	it	it	PRON
fsr-3918	8	10	differs	differ	VERB
fsr-3918	8	11	markedly	markedly	ADV
fsr-3918	8	12	from	from	ADP
fsr-3918	8	13	the	the	DET
fsr-3918	8	14	behavior	behavior	NOUN
fsr-3918	8	15	of	of	ADP
fsr-3918	8	16	the	the	DET
fsr-3918	8	17	rational	rational	ADJ
fsr-3918	8	18	expected	expect	VERB
fsr-3918	8	19	-	-	PUNCT
fsr-3918	8	20	utility	utility	NOUN
fsr-3918	8	21	-	-	PUNCT
fsr-3918	8	22	maximizing	maximize	VERB
fsr-3918	8	23	investors	investor	NOUN
fsr-3918	8	24	inhabiting	inhabit	VERB
fsr-3918	8	25	the	the	DET
fsr-3918	8	26	capital	capital	NOUN
fsr-3918	8	27	asset	asset	NOUN
fsr-3918	8	28	pricing	pricing	NOUN
fsr-3918	8	29	model	model	NOUN
fsr-3918	8	30	(	(	PUNCT
fsr-3918	8	31	capm	capm	PROPN
fsr-3918	8	32	)	)	PUNCT
fsr-3918	8	33	*	*	PUNCT
fsr-3918	9	1	corresponding	correspond	VERB
fsr-3918	9	2	author	author	NOUN
fsr-3918	9	3	.	.	PUNCT
fsr-3918	10	1	tel.:11	tel.:11	PROPN
fsr-3918	10	2	-	-	PUNCT
fsr-3918	10	3	306	306	NUM
fsr-3918	10	4	-	-	PUNCT
fsr-3918	10	5	966	966	NUM
fsr-3918	10	6	-	-	SYM
fsr-3918	10	7	8425	8425	NUM
fsr-3918	10	8	;	;	PUNCT
fsr-3918	10	9	fax:11	fax:11	NOUN
fsr-3918	10	10	-	-	PUNCT
fsr-3918	10	11	306	306	NUM
fsr-3918	10	12	-	-	PUNCT
fsr-3918	10	13	966	966	NUM
fsr-3918	10	14	-	-	PUNCT
fsr-3918	10	15	2515	2515	NUM
fsr-3918	10	16	.	.	PUNCT
fsr-3918	11	1	e	e	X
fsr-3918	11	2	-	-	NOUN
fsr-3918	11	3	mail	mail	NOUN
fsr-3918	11	4	address	address	NOUN
fsr-3918	11	5	:	:	PUNCT
fsr-3918	11	6	domian@commerce.usask.ca	domian@commerce.usask.ca	NOUN
fsr-3918	11	7	(	(	PUNCT
fsr-3918	11	8	d.l	d.l	NOUN
fsr-3918	11	9	.	.	PROPN
fsr-3918	11	10	domian	domian	PROPN
fsr-3918	11	11	)	)	PUNCT
fsr-3918	11	12	.	.	PUNCT
fsr-3918	12	1	financial	financial	ADJ
fsr-3918	12	2	services	service	NOUN
fsr-3918	12	3	review	review	VERB
fsr-3918	12	4	9	9	NUM
fsr-3918	12	5	(	(	PUNCT
fsr-3918	12	6	2000	2000	NUM
fsr-3918	12	7	)	)	PUNCT
fsr-3918	12	8	159–170	159–170	NUM
fsr-3918	12	9	1057	1057	NUM
fsr-3918	12	10	-	-	SYM
fsr-3918	12	11	0810/00/$	0810/00/$	NUM
fsr-3918	12	12	–	–	PUNCT
fsr-3918	12	13	see	see	VERB
fsr-3918	12	14	front	front	ADJ
fsr-3918	12	15	matter	matter	NOUN
fsr-3918	13	1	©	©	PROPN
fsr-3918	13	2	2000	2000	NUM
fsr-3918	13	3	elsevier	elsevier	PROPN
fsr-3918	13	4	science	science	PROPN
fsr-3918	13	5	inc	inc	PROPN
fsr-3918	13	6	.	.	PUNCT
fsr-3918	14	1	all	all	DET
fsr-3918	14	2	rights	right	NOUN
fsr-3918	14	3	reserved	reserve	VERB
fsr-3918	14	4	.	.	PUNCT
fsr-3918	15	1	pii	pii	NOUN
fsr-3918	15	2	:	:	PUNCT
fsr-3918	15	3	s1057	s1057	NOUN
fsr-3918	15	4	-	-	PUNCT
fsr-3918	15	5	0810(00)00063	0810(00)00063	NUM
fsr-3918	15	6	-	-	PUNCT
fsr-3918	15	7	9	9	NUM
fsr-3918	15	8	used	use	VERB
fsr-3918	15	9	in	in	ADP
fsr-3918	15	10	most	most	ADJ
fsr-3918	15	11	finance	finance	NOUN
fsr-3918	15	12	and	and	CCONJ
fsr-3918	15	13	economics	economic	NOUN
fsr-3918	15	14	research	research	NOUN
fsr-3918	15	15	.	.	PUNCT
fsr-3918	16	1	all	all	DET
fsr-3918	16	2	risky	risky	ADJ
fsr-3918	16	3	assets	asset	NOUN
fsr-3918	16	4	–	–	PUNCT
fsr-3918	16	5	including	include	VERB
fsr-3918	16	6	both	both	CCONJ
fsr-3918	16	7	stocks	stock	NOUN
fsr-3918	16	8	and	and	CCONJ
fsr-3918	16	9	bonds	bond	NOUN
fsr-3918	16	10	–	–	PUNCT
fsr-3918	16	11	are	be	AUX
fsr-3918	16	12	part	part	NOUN
fsr-3918	16	13	of	of	ADP
fsr-3918	16	14	the	the	DET
fsr-3918	16	15	“	"	PUNCT
fsr-3918	16	16	market	market	NOUN
fsr-3918	16	17	portfolio	portfolio	NOUN
fsr-3918	16	18	”	"	PUNCT
fsr-3918	16	19	in	in	ADP
fsr-3918	16	20	the	the	DET
fsr-3918	16	21	capm	capm	PROPN
fsr-3918	16	22	.	.	PUNCT
fsr-3918	17	1	increased	increase	VERB
fsr-3918	17	2	tolerance	tolerance	NOUN
fsr-3918	17	3	for	for	ADP
fsr-3918	17	4	risk	risk	NOUN
fsr-3918	17	5	causes	cause	VERB
fsr-3918	17	6	capm	capm	PROPN
fsr-3918	17	7	investors	investor	NOUN
fsr-3918	17	8	to	to	PART
fsr-3918	17	9	alter	alter	VERB
fsr-3918	17	10	the	the	DET
fsr-3918	17	11	percentage	percentage	NOUN
fsr-3918	17	12	of	of	ADP
fsr-3918	17	13	assets	asset	NOUN
fsr-3918	17	14	held	hold	VERB
fsr-3918	17	15	in	in	ADP
fsr-3918	17	16	the	the	DET
fsr-3918	17	17	risky	risky	ADJ
fsr-3918	17	18	portfolio	portfolio	NOUN
fsr-3918	17	19	as	as	SCONJ
fsr-3918	17	20	opposed	oppose	VERB
fsr-3918	17	21	to	to	ADP
fsr-3918	17	22	the	the	DET
fsr-3918	17	23	risk	risk	NOUN
fsr-3918	17	24	-	-	PUNCT
fsr-3918	17	25	free	free	ADJ
fsr-3918	17	26	asset	asset	NOUN
fsr-3918	17	27	,	,	PUNCT
fsr-3918	17	28	but	but	CCONJ
fsr-3918	17	29	the	the	DET
fsr-3918	17	30	composition	composition	NOUN
fsr-3918	17	31	of	of	ADP
fsr-3918	17	32	stocks	stock	NOUN
fsr-3918	17	33	and	and	CCONJ
fsr-3918	17	34	bonds	bond	NOUN
fsr-3918	17	35	held	hold	VERB
fsr-3918	17	36	in	in	ADP
fsr-3918	17	37	the	the	DET
fsr-3918	17	38	risky	risky	ADJ
fsr-3918	17	39	portfolio	portfolio	NOUN
fsr-3918	17	40	is	be	AUX
fsr-3918	17	41	not	not	PART
fsr-3918	17	42	changed	change	VERB
fsr-3918	17	43	.	.	PUNCT
fsr-3918	18	1	this	this	DET
fsr-3918	18	2	paper	paper	NOUN
fsr-3918	18	3	investigates	investigate	VERB
fsr-3918	18	4	the	the	DET
fsr-3918	18	5	behavior	behavior	NOUN
fsr-3918	18	6	of	of	ADP
fsr-3918	18	7	investors	investor	NOUN
fsr-3918	18	8	nearing	near	VERB
fsr-3918	18	9	retirement	retirement	NOUN
fsr-3918	18	10	.	.	PUNCT
fsr-3918	19	1	more	more	ADV
fsr-3918	19	2	specifically	specifically	ADV
fsr-3918	19	3	,	,	PUNCT
fsr-3918	19	4	we	we	PRON
fsr-3918	19	5	focus	focus	VERB
fsr-3918	19	6	on	on	ADP
fsr-3918	19	7	two	two	NUM
fsr-3918	19	8	hypotheses	hypothesis	NOUN
fsr-3918	19	9	implicit	implicit	ADJ
fsr-3918	19	10	in	in	ADP
fsr-3918	19	11	the	the	DET
fsr-3918	19	12	capm	capm	NOUN
fsr-3918	19	13	:	:	PUNCT
fsr-3918	19	14	(	(	PUNCT
fsr-3918	19	15	1	1	X
fsr-3918	19	16	)	)	PUNCT
fsr-3918	19	17	risk	risk	NOUN
fsr-3918	19	18	tolerant	tolerant	ADJ
fsr-3918	19	19	individuals	individual	NOUN
fsr-3918	19	20	hold	hold	VERB
fsr-3918	19	21	a	a	DET
fsr-3918	19	22	smaller	small	ADJ
fsr-3918	19	23	proportion	proportion	NOUN
fsr-3918	19	24	of	of	ADP
fsr-3918	19	25	risk	risk	NOUN
fsr-3918	19	26	-	-	PUNCT
fsr-3918	19	27	free	free	ADJ
fsr-3918	19	28	assets	asset	NOUN
fsr-3918	19	29	,	,	PUNCT
fsr-3918	19	30	and	and	CCONJ
fsr-3918	19	31	(	(	PUNCT
fsr-3918	19	32	2	2	X
fsr-3918	19	33	)	)	PUNCT
fsr-3918	19	34	the	the	DET
fsr-3918	19	35	composition	composition	NOUN
fsr-3918	19	36	of	of	ADP
fsr-3918	19	37	an	an	DET
fsr-3918	19	38	individual	individual	NOUN
fsr-3918	19	39	’s	’s	PART
fsr-3918	19	40	portfolio	portfolio	NOUN
fsr-3918	19	41	of	of	ADP
fsr-3918	19	42	risky	risky	ADJ
fsr-3918	19	43	assets	asset	NOUN
fsr-3918	19	44	will	will	AUX
fsr-3918	19	45	not	not	PART
fsr-3918	19	46	change	change	VERB
fsr-3918	19	47	as	as	SCONJ
fsr-3918	19	48	he	he	PRON
fsr-3918	19	49	/	/	SYM
fsr-3918	19	50	she	she	PRON
fsr-3918	19	51	becomes	become	VERB
fsr-3918	19	52	more	more	ADJ
fsr-3918	19	53	risk	risk	NOUN
fsr-3918	19	54	tolerant	tolerant	ADJ
fsr-3918	19	55	.	.	PUNCT
fsr-3918	20	1	we	we	PRON
fsr-3918	20	2	examine	examine	VERB
fsr-3918	20	3	survey	survey	NOUN
fsr-3918	20	4	data	datum	NOUN
fsr-3918	20	5	reported	report	VERB
fsr-3918	20	6	in	in	ADP
fsr-3918	20	7	the	the	DET
fsr-3918	20	8	1992health	1992health	PROPN
fsr-3918	20	9	and	and	CCONJ
fsr-3918	20	10	retirement	retirement	NOUN
fsr-3918	20	11	survey	survey	NOUN
fsr-3918	20	12	,	,	PUNCT
fsr-3918	20	13	concerning	concern	VERB
fsr-3918	20	14	individuals	individual	NOUN
fsr-3918	20	15	’	’	PART
fsr-3918	20	16	asset	asset	NOUN
fsr-3918	20	17	allocations	allocation	NOUN
fsr-3918	20	18	and	and	CCONJ
fsr-3918	20	19	willingness	willingness	NOUN
fsr-3918	20	20	to	to	PART
fsr-3918	20	21	take	take	VERB
fsr-3918	20	22	risk	risk	NOUN
fsr-3918	20	23	as	as	SCONJ
fsr-3918	20	24	they	they	PRON
fsr-3918	20	25	approach	approach	VERB
fsr-3918	20	26	retirement	retirement	NOUN
fsr-3918	20	27	.	.	PUNCT
fsr-3918	21	1	each	each	DET
fsr-3918	21	2	person	person	NOUN
fsr-3918	21	3	’s	’s	PART
fsr-3918	21	4	portfolio	portfolio	NOUN
fsr-3918	21	5	is	be	AUX
fsr-3918	21	6	decomposed	decompose	VERB
fsr-3918	21	7	into	into	ADP
fsr-3918	21	8	assets	asset	NOUN
fsr-3918	21	9	held	hold	VERB
fsr-3918	21	10	as	as	ADP
fsr-3918	21	11	stock	stock	NOUN
fsr-3918	21	12	,	,	PUNCT
fsr-3918	21	13	bonds	bond	NOUN
fsr-3918	21	14	and	and	CCONJ
fsr-3918	21	15	treasury	treasury	NOUN
fsr-3918	21	16	bills	bill	NOUN
fsr-3918	21	17	.	.	PUNCT
fsr-3918	22	1	assuming	assume	VERB
fsr-3918	22	2	that	that	SCONJ
fsr-3918	22	3	treasury	treasury	PROPN
fsr-3918	22	4	bills	bill	NOUN
fsr-3918	22	5	are	be	AUX
fsr-3918	22	6	“	"	PUNCT
fsr-3918	22	7	risk	risk	NOUN
fsr-3918	22	8	-	-	PUNCT
fsr-3918	22	9	free	free	ADJ
fsr-3918	22	10	assets	asset	NOUN
fsr-3918	22	11	”	"	PUNCT
fsr-3918	22	12	while	while	SCONJ
fsr-3918	22	13	stocks	stock	NOUN
fsr-3918	22	14	and	and	CCONJ
fsr-3918	22	15	bonds	bond	NOUN
fsr-3918	22	16	are	be	AUX
fsr-3918	22	17	“	"	PUNCT
fsr-3918	22	18	risky	risky	ADJ
fsr-3918	22	19	,	,	PUNCT
fsr-3918	22	20	”	"	PUNCT
fsr-3918	22	21	the	the	DET
fsr-3918	22	22	capm	capm	PROPN
fsr-3918	22	23	’s	’s	PART
fsr-3918	22	24	predictions	prediction	NOUN
fsr-3918	22	25	become	become	VERB
fsr-3918	22	26	(	(	PUNCT
fsr-3918	22	27	1	1	X
fsr-3918	22	28	)	)	PUNCT
fsr-3918	22	29	the	the	DET
fsr-3918	22	30	proportion	proportion	NOUN
fsr-3918	22	31	of	of	ADP
fsr-3918	22	32	all	all	DET
fsr-3918	22	33	assets	asset	NOUN
fsr-3918	22	34	allocated	allocate	VERB
fsr-3918	22	35	to	to	ADP
fsr-3918	22	36	treasury	treasury	NOUN
fsr-3918	22	37	bills	bill	NOUN
fsr-3918	22	38	should	should	AUX
fsr-3918	22	39	fall	fall	VERB
fsr-3918	22	40	as	as	ADP
fsr-3918	22	41	risk	risk	NOUN
fsr-3918	22	42	tolerance	tolerance	NOUN
fsr-3918	22	43	increases	increase	NOUN
fsr-3918	22	44	,	,	PUNCT
fsr-3918	22	45	and	and	CCONJ
fsr-3918	22	46	(	(	PUNCT
fsr-3918	22	47	2	2	X
fsr-3918	22	48	)	)	PUNCT
fsr-3918	22	49	the	the	DET
fsr-3918	22	50	proportion	proportion	NOUN
fsr-3918	22	51	of	of	ADP
fsr-3918	22	52	risky	risky	ADJ
fsr-3918	22	53	assets	asset	NOUN
fsr-3918	22	54	allocated	allocate	VERB
fsr-3918	22	55	to	to	ADP
fsr-3918	22	56	stocks	stock	NOUN
fsr-3918	22	57	is	be	AUX
fsr-3918	22	58	independent	independent	ADJ
fsr-3918	22	59	of	of	ADP
fsr-3918	22	60	risk	risk	NOUN
fsr-3918	22	61	tolerance	tolerance	NOUN
fsr-3918	22	62	.	.	PUNCT
fsr-3918	23	1	wall	wall	PROPN
fsr-3918	23	2	street	street	PROPN
fsr-3918	23	3	seems	seem	VERB
fsr-3918	23	4	to	to	PART
fsr-3918	23	5	be	be	AUX
fsr-3918	23	6	comfortable	comfortable	ADJ
fsr-3918	23	7	with	with	ADP
fsr-3918	23	8	the	the	DET
fsr-3918	23	9	first	first	ADJ
fsr-3918	23	10	of	of	ADP
fsr-3918	23	11	these	these	DET
fsr-3918	23	12	predictions	prediction	NOUN
fsr-3918	23	13	,	,	PUNCT
fsr-3918	23	14	but	but	CCONJ
fsr-3918	23	15	not	not	PART
fsr-3918	23	16	the	the	DET
fsr-3918	23	17	second	second	ADJ
fsr-3918	23	18	.	.	PUNCT
fsr-3918	24	1	we	we	PRON
fsr-3918	24	2	find	find	VERB
fsr-3918	24	3	support	support	NOUN
fsr-3918	24	4	for	for	ADP
fsr-3918	24	5	both	both	DET
fsr-3918	24	6	predictions	prediction	NOUN
fsr-3918	24	7	.	.	PUNCT
fsr-3918	25	1	2	2	X
fsr-3918	25	2	.	.	X
fsr-3918	25	3	literature	literature	NOUN
fsr-3918	25	4	review	review	NOUN
fsr-3918	25	5	in	in	ADP
fsr-3918	25	6	recent	recent	ADJ
fsr-3918	25	7	years	year	NOUN
fsr-3918	25	8	,	,	PUNCT
fsr-3918	25	9	both	both	CCONJ
fsr-3918	25	10	individual	individual	ADJ
fsr-3918	25	11	and	and	CCONJ
fsr-3918	25	12	institutional	institutional	ADJ
fsr-3918	25	13	investors	investor	NOUN
fsr-3918	25	14	have	have	AUX
fsr-3918	25	15	become	become	VERB
fsr-3918	25	16	increasingly	increasingly	ADV
fsr-3918	25	17	aware	aware	ADJ
fsr-3918	25	18	of	of	ADP
fsr-3918	25	19	the	the	DET
fsr-3918	25	20	importance	importance	NOUN
fsr-3918	25	21	of	of	ADP
fsr-3918	25	22	asset	asset	NOUN
fsr-3918	25	23	allocation	allocation	NOUN
fsr-3918	25	24	.	.	PUNCT
fsr-3918	26	1	brinson	brinson	PROPN
fsr-3918	26	2	,	,	PUNCT
fsr-3918	26	3	hood	hood	NOUN
fsr-3918	26	4	and	and	CCONJ
fsr-3918	26	5	beebower	beebower	ADV
fsr-3918	26	6	(	(	PUNCT
fsr-3918	26	7	1986	1986	NUM
fsr-3918	26	8	)	)	PUNCT
fsr-3918	26	9	show	show	VERB
fsr-3918	26	10	that	that	SCONJ
fsr-3918	26	11	over	over	ADP
fsr-3918	26	12	90	90	NUM
fsr-3918	26	13	%	%	NOUN
fsr-3918	26	14	of	of	ADP
fsr-3918	26	15	the	the	DET
fsr-3918	26	16	variability	variability	NOUN
fsr-3918	26	17	in	in	ADP
fsr-3918	26	18	portfolio	portfolio	NOUN
fsr-3918	26	19	returns	return	NOUN
fsr-3918	26	20	can	can	AUX
fsr-3918	26	21	be	be	AUX
fsr-3918	26	22	explained	explain	VERB
fsr-3918	26	23	by	by	ADP
fsr-3918	26	24	asset	asset	NOUN
fsr-3918	26	25	allocation	allocation	NOUN
fsr-3918	26	26	.	.	PUNCT
fsr-3918	27	1	other	other	ADJ
fsr-3918	27	2	studies	study	NOUN
fsr-3918	27	3	focus	focus	VERB
fsr-3918	27	4	on	on	ADP
fsr-3918	27	5	decisions	decision	NOUN
fsr-3918	27	6	during	during	ADP
fsr-3918	27	7	particular	particular	ADJ
fsr-3918	27	8	stages	stage	NOUN
fsr-3918	27	9	of	of	ADP
fsr-3918	27	10	investors	investor	NOUN
fsr-3918	27	11	’	’	PART
fsr-3918	27	12	life	life	NOUN
fsr-3918	27	13	cycles	cycle	NOUN
fsr-3918	27	14	.	.	PUNCT
fsr-3918	28	1	butler	butler	NOUN
fsr-3918	28	2	and	and	CCONJ
fsr-3918	28	3	domian	domian	PROPN
fsr-3918	28	4	(	(	PUNCT
fsr-3918	28	5	1993	1993	NUM
fsr-3918	28	6	)	)	PUNCT
fsr-3918	28	7	present	present	ADJ
fsr-3918	28	8	asset	asset	NOUN
fsr-3918	28	9	returns	return	NOUN
fsr-3918	28	10	over	over	ADP
fsr-3918	28	11	long	long	ADJ
fsr-3918	28	12	holding	holding	NOUN
fsr-3918	28	13	periods	period	NOUN
fsr-3918	28	14	in	in	ADP
fsr-3918	28	15	a	a	DET
fsr-3918	28	16	form	form	NOUN
fsr-3918	28	17	useful	useful	ADJ
fsr-3918	28	18	for	for	ADP
fsr-3918	28	19	preretirement	preretirement	ADJ
fsr-3918	28	20	planning	planning	NOUN
fsr-3918	28	21	.	.	PUNCT
fsr-3918	29	1	ho	ho	PROPN
fsr-3918	29	2	,	,	PUNCT
fsr-3918	29	3	milevsky	milevsky	NOUN
fsr-3918	29	4	and	and	CCONJ
fsr-3918	29	5	robinson	robinson	PROPN
fsr-3918	29	6	(	(	PUNCT
fsr-3918	29	7	1994	1994	NUM
fsr-3918	29	8	)	)	PUNCT
fsr-3918	29	9	examine	examine	VERB
fsr-3918	29	10	how	how	SCONJ
fsr-3918	29	11	to	to	PART
fsr-3918	29	12	maximize	maximize	VERB
fsr-3918	29	13	the	the	DET
fsr-3918	29	14	probability	probability	NOUN
fsr-3918	29	15	of	of	ADP
fsr-3918	29	16	a	a	DET
fsr-3918	29	17	secure	secure	ADJ
fsr-3918	29	18	and	and	CCONJ
fsr-3918	29	19	sufficient	sufficient	ADJ
fsr-3918	29	20	income	income	NOUN
fsr-3918	29	21	during	during	ADP
fsr-3918	29	22	postretirement	postretirement	NOUN
fsr-3918	29	23	years	year	NOUN
fsr-3918	29	24	.	.	PUNCT
fsr-3918	30	1	friend	friend	NOUN
fsr-3918	30	2	and	and	CCONJ
fsr-3918	30	3	blume	blume	PROPN
fsr-3918	30	4	(	(	PUNCT
fsr-3918	30	5	1975	1975	NUM
fsr-3918	30	6	)	)	PUNCT
fsr-3918	30	7	observe	observe	VERB
fsr-3918	30	8	that	that	SCONJ
fsr-3918	30	9	an	an	DET
fsr-3918	30	10	individual	individual	NOUN
fsr-3918	30	11	’s	’s	PART
fsr-3918	30	12	risk	risk	NOUN
fsr-3918	30	13	tolerance	tolerance	NOUN
fsr-3918	30	14	can	can	AUX
fsr-3918	30	15	be	be	AUX
fsr-3918	30	16	inferred	infer	VERB
fsr-3918	30	17	from	from	ADP
fsr-3918	30	18	the	the	DET
fsr-3918	30	19	asset	asset	NOUN
fsr-3918	30	20	allocation	allocation	NOUN
fsr-3918	30	21	decision	decision	NOUN
fsr-3918	30	22	by	by	ADP
fsr-3918	30	23	calculating	calculate	VERB
fsr-3918	30	24	the	the	DET
fsr-3918	30	25	percentage	percentage	NOUN
fsr-3918	30	26	of	of	ADP
fsr-3918	30	27	a	a	DET
fsr-3918	30	28	person	person	NOUN
fsr-3918	30	29	’s	’s	PART
fsr-3918	30	30	assets	asset	NOUN
fsr-3918	30	31	invested	invest	VERB
fsr-3918	30	32	in	in	ADP
fsr-3918	30	33	risky	risky	ADJ
fsr-3918	30	34	securities	security	NOUN
fsr-3918	30	35	.	.	PUNCT
fsr-3918	31	1	this	this	DET
fsr-3918	31	2	approach	approach	NOUN
fsr-3918	31	3	was	be	AUX
fsr-3918	31	4	extended	extend	VERB
fsr-3918	31	5	by	by	ADP
fsr-3918	31	6	siegel	siegel	NOUN
fsr-3918	31	7	and	and	CCONJ
fsr-3918	31	8	hoban	hoban	PROPN
fsr-3918	31	9	(	(	PUNCT
fsr-3918	31	10	1982	1982	NUM
fsr-3918	31	11	,	,	PUNCT
fsr-3918	31	12	1991	1991	NUM
fsr-3918	31	13	)	)	PUNCT
fsr-3918	31	14	,	,	PUNCT
fsr-3918	31	15	morin	morin	NOUN
fsr-3918	31	16	and	and	CCONJ
fsr-3918	31	17	suarez	suarez	PROPN
fsr-3918	31	18	(	(	PUNCT
fsr-3918	31	19	1983	1983	NUM
fsr-3918	31	20	)	)	PUNCT
fsr-3918	31	21	,	,	PUNCT
fsr-3918	31	22	bellante	bellante	NOUN
fsr-3918	31	23	and	and	CCONJ
fsr-3918	31	24	saba	saba	PROPN
fsr-3918	31	25	(	(	PUNCT
fsr-3918	31	26	1986	1986	NUM
fsr-3918	31	27	)	)	PUNCT
fsr-3918	31	28	,	,	PUNCT
fsr-3918	31	29	riley	riley	NOUN
fsr-3918	31	30	and	and	CCONJ
fsr-3918	31	31	chow	chow	PROPN
fsr-3918	31	32	(	(	PUNCT
fsr-3918	31	33	1992	1992	NUM
fsr-3918	31	34	)	)	PUNCT
fsr-3918	31	35	and	and	CCONJ
fsr-3918	31	36	others	other	NOUN
fsr-3918	31	37	.	.	PUNCT
fsr-3918	32	1	in	in	ADP
fsr-3918	32	2	a	a	DET
fsr-3918	32	3	recent	recent	ADJ
fsr-3918	32	4	variant	variant	NOUN
fsr-3918	32	5	of	of	ADP
fsr-3918	32	6	this	this	DET
fsr-3918	32	7	approach	approach	NOUN
fsr-3918	32	8	,	,	PUNCT
fsr-3918	32	9	bajtelsmit	bajtelsmit	NOUN
fsr-3918	32	10	,	,	PUNCT
fsr-3918	32	11	bernasek	bernasek	NOUN
fsr-3918	32	12	and	and	CCONJ
fsr-3918	32	13	jianakoplos	jianakoplos	PROPN
fsr-3918	32	14	(	(	PUNCT
fsr-3918	32	15	1999	1999	NUM
fsr-3918	32	16	)	)	PUNCT
fsr-3918	32	17	presents	present	VERB
fsr-3918	32	18	a	a	DET
fsr-3918	32	19	version	version	NOUN
fsr-3918	32	20	of	of	ADP
fsr-3918	32	21	the	the	DET
fsr-3918	32	22	capital	capital	NOUN
fsr-3918	32	23	asset	asset	NOUN
fsr-3918	32	24	pricing	pricing	NOUN
fsr-3918	32	25	model	model	NOUN
fsr-3918	32	26	that	that	PRON
fsr-3918	32	27	allows	allow	VERB
fsr-3918	32	28	individuals	individual	NOUN
fsr-3918	32	29	to	to	PART
fsr-3918	32	30	allocate	allocate	VERB
fsr-3918	32	31	their	their	PRON
fsr-3918	32	32	funds	fund	NOUN
fsr-3918	32	33	between	between	ADP
fsr-3918	32	34	risky	risky	ADJ
fsr-3918	32	35	assets	asset	NOUN
fsr-3918	32	36	,	,	PUNCT
fsr-3918	32	37	a	a	DET
fsr-3918	32	38	risk	risk	NOUN
fsr-3918	32	39	-	-	PUNCT
fsr-3918	32	40	free	free	ADJ
fsr-3918	32	41	asset	asset	NOUN
fsr-3918	32	42	and	and	CCONJ
fsr-3918	32	43	human	human	ADJ
fsr-3918	32	44	capital	capital	NOUN
fsr-3918	32	45	.	.	PUNCT
fsr-3918	33	1	the	the	DET
fsr-3918	33	2	proportion	proportion	NOUN
fsr-3918	33	3	of	of	ADP
fsr-3918	33	4	assets	asset	NOUN
fsr-3918	33	5	investori	investori	NOUN
fsr-3918	33	6	devotes	devote	VERB
fsr-3918	33	7	to	to	ADP
fsr-3918	33	8	risky	risky	ADJ
fsr-3918	33	9	securities	security	NOUN
fsr-3918	33	10	,	,	PUNCT
fsr-3918	33	11	ai	ai	VERB
fsr-3918	33	12	is	be	AUX
fsr-3918	33	13	determined	determine	VERB
fsr-3918	33	14	by	by	ADP
fsr-3918	33	15	the	the	DET
fsr-3918	33	16	following	follow	VERB
fsr-3918	33	17	equation	equation	NOUN
fsr-3918	33	18	:	:	PUNCT
fsr-3918	33	19	ai	ai	VERB
fsr-3918	33	20	5	5	NUM
fsr-3918	33	21	se	se	X
fsr-3918	33	22	~	~	NOUN
fsr-3918	33	23	rm	rm	NOUN
fsr-3918	33	24	2	2	NUM
fsr-3918	33	25	r	r	NOUN
fsr-3918	33	26	f	f	NOUN
fsr-3918	33	27	!	!	PUNCT
fsr-3918	34	1	sm	sm	INTJ
fsr-3918	34	2	2	2	NUM
fsr-3918	34	3	ds	ds	PROPN
fsr-3918	34	4	1	1	NUM
fsr-3918	34	5	ci	ci	NOUN
fsr-3918	34	6	ds	ds	ADJ
fsr-3918	34	7	1	1	NUM
fsr-3918	34	8	1	1	NUM
fsr-3918	34	9	2	2	NUM
fsr-3918	34	10	hi	hi	NOUN
fsr-3918	34	11	d	d	NOUN
fsr-3918	34	12	.	.	PUNCT
fsr-3918	35	1	(	(	PUNCT
fsr-3918	35	2	1	1	X
fsr-3918	35	3	)	)	PUNCT
fsr-3918	35	4	the	the	DET
fsr-3918	35	5	first	first	ADJ
fsr-3918	35	6	bracketed	bracketed	ADJ
fsr-3918	35	7	term	term	NOUN
fsr-3918	35	8	is	be	AUX
fsr-3918	35	9	the	the	DET
fsr-3918	35	10	same	same	ADJ
fsr-3918	35	11	for	for	ADP
fsr-3918	35	12	all	all	DET
fsr-3918	35	13	individuals	individual	NOUN
fsr-3918	35	14	and	and	CCONJ
fsr-3918	35	15	consists	consist	VERB
fsr-3918	35	16	of	of	ADP
fsr-3918	35	17	the	the	DET
fsr-3918	35	18	expected	expect	VERB
fsr-3918	35	19	difference	difference	NOUN
fsr-3918	35	20	in	in	ADP
fsr-3918	35	21	the	the	DET
fsr-3918	35	22	rate	rate	NOUN
fsr-3918	35	23	of	of	ADP
fsr-3918	35	24	return	return	NOUN
fsr-3918	35	25	between	between	ADP
fsr-3918	35	26	the	the	DET
fsr-3918	35	27	market	market	NOUN
fsr-3918	35	28	portfolio	portfolio	NOUN
fsr-3918	35	29	and	and	CCONJ
fsr-3918	35	30	the	the	DET
fsr-3918	35	31	risk	risk	NOUN
fsr-3918	35	32	-	-	PUNCT
fsr-3918	35	33	free	free	ADJ
fsr-3918	35	34	asset	asset	NOUN
fsr-3918	35	35	,	,	PUNCT
fsr-3918	35	36	e(rm	e(rm	PROPN
fsr-3918	35	37	2	2	NUM
fsr-3918	35	38	r	r	NOUN
fsr-3918	35	39	f	f	NOUN
fsr-3918	35	40	)	)	PUNCT
fsr-3918	35	41	,	,	PUNCT
fsr-3918	35	42	divided	divide	VERB
fsr-3918	35	43	by	by	ADP
fsr-3918	35	44	the	the	DET
fsr-3918	35	45	variance	variance	NOUN
fsr-3918	35	46	of	of	ADP
fsr-3918	35	47	the	the	DET
fsr-3918	35	48	market	market	NOUN
fsr-3918	35	49	portfolio	portfolio	NOUN
fsr-3918	35	50	,	,	PUNCT
fsr-3918	35	51	sm	sm	PROPN
fsr-3918	35	52	2	2	NUM
fsr-3918	35	53	.	.	PUNCT
fsr-3918	36	1	the	the	DET
fsr-3918	36	2	second	second	ADJ
fsr-3918	36	3	term	term	NOUN
fsr-3918	36	4	suggests	suggest	VERB
fsr-3918	36	5	thatai	thatai	NOUN
fsr-3918	36	6	is	be	AUX
fsr-3918	36	7	larger	large	ADJ
fsr-3918	36	8	for	for	ADP
fsr-3918	36	9	risk	risk	NOUN
fsr-3918	36	10	tolerant	tolerant	ADJ
fsr-3918	36	11	investors	investor	NOUN
fsr-3918	36	12	sinceci	sinceci	NOUN
fsr-3918	36	13	is	be	AUX
fsr-3918	36	14	personi	personi	VERB
fsr-3918	36	15	’s	’s	PART
fsr-3918	36	16	relative	relative	ADJ
fsr-3918	36	17	risk	risk	NOUN
fsr-3918	36	18	aversion	aversion	NOUN
fsr-3918	36	19	.	.	PUNCT
fsr-3918	37	1	in	in	ADP
fsr-3918	37	2	the	the	DET
fsr-3918	37	3	final	final	ADJ
fsr-3918	37	4	term	term	NOUN
fsr-3918	37	5	,	,	PUNCT
fsr-3918	37	6	hi	hi	INTJ
fsr-3918	37	7	is	be	VERB
fsr-3918	37	8	the	the	DET
fsr-3918	37	9	ratio	ratio	NOUN
fsr-3918	37	10	of	of	ADP
fsr-3918	37	11	human	human	ADJ
fsr-3918	37	12	wealth	wealth	NOUN
fsr-3918	37	13	to	to	ADP
fsr-3918	37	14	net	net	ADJ
fsr-3918	37	15	wealth	wealth	NOUN
fsr-3918	37	16	.	.	PUNCT
fsr-3918	38	1	consequently	consequently	ADV
fsr-3918	38	2	investors	investor	NOUN
fsr-3918	38	3	with	with	ADP
fsr-3918	38	4	high	high	ADJ
fsr-3918	38	5	human	human	ADJ
fsr-3918	38	6	capital	capital	NOUN
fsr-3918	38	7	investments	investment	NOUN
fsr-3918	38	8	160	160	NUM
fsr-3918	38	9	g.	g.	PROPN
fsr-3918	38	10	hariharan	hariharan	PROPN
fsr-3918	38	11	et	et	PROPN
fsr-3918	38	12	al	al	PROPN
fsr-3918	38	13	.	.	PUNCT
fsr-3918	38	14	/	/	SYM
fsr-3918	38	15	financial	financial	ADJ
fsr-3918	38	16	services	service	NOUN
fsr-3918	38	17	review	review	VERB
fsr-3918	38	18	9	9	NUM
fsr-3918	38	19	(	(	PUNCT
fsr-3918	38	20	2000	2000	NUM
fsr-3918	38	21	)	)	PUNCT
fsr-3918	39	1	159–170	159–170	NUM
fsr-3918	39	2	hold	hold	VERB
fsr-3918	39	3	larger	large	ADJ
fsr-3918	39	4	fractions	fraction	NOUN
fsr-3918	39	5	of	of	ADP
fsr-3918	39	6	their	their	PRON
fsr-3918	39	7	wealth	wealth	NOUN
fsr-3918	39	8	in	in	ADP
fsr-3918	39	9	risky	risky	ADJ
fsr-3918	39	10	assets	asset	NOUN
fsr-3918	39	11	.	.	PUNCT
fsr-3918	40	1	bajtelsmit	bajtelsmit	NOUN
fsr-3918	40	2	et	et	PROPN
fsr-3918	40	3	al	al	PROPN
fsr-3918	40	4	.	.	PUNCT
fsr-3918	41	1	use	use	VERB
fsr-3918	41	2	information	information	NOUN
fsr-3918	41	3	onai	onai	NOUN
fsr-3918	41	4	and	and	CCONJ
fsr-3918	41	5	hi	hi	INTJ
fsr-3918	41	6	to	to	PART
fsr-3918	41	7	infer	infer	VERB
fsr-3918	41	8	a	a	DET
fsr-3918	41	9	value	value	NOUN
fsr-3918	41	10	for	for	ADP
fsr-3918	41	11	risk	risk	NOUN
fsr-3918	41	12	tolerance	tolerance	NOUN
fsr-3918	41	13	multiplied	multiply	VERB
fsr-3918	41	14	by	by	ADP
fsr-3918	41	15	a	a	DET
fsr-3918	41	16	constant	constant	ADJ
fsr-3918	41	17	that	that	PRON
fsr-3918	41	18	is	be	AUX
fsr-3918	41	19	the	the	DET
fsr-3918	41	20	same	same	ADJ
fsr-3918	41	21	for	for	ADP
fsr-3918	41	22	all	all	DET
fsr-3918	41	23	investors	investor	NOUN
fsr-3918	41	24	.	.	PUNCT
fsr-3918	42	1	while	while	SCONJ
fsr-3918	42	2	the	the	DET
fsr-3918	42	3	studies	study	NOUN
fsr-3918	42	4	described	describe	VERB
fsr-3918	42	5	above	above	ADP
fsr-3918	42	6	provide	provide	VERB
fsr-3918	42	7	useful	useful	ADJ
fsr-3918	42	8	insights	insight	NOUN
fsr-3918	42	9	,	,	PUNCT
fsr-3918	42	10	they	they	PRON
fsr-3918	42	11	do	do	AUX
fsr-3918	42	12	not	not	PART
fsr-3918	42	13	test	test	VERB
fsr-3918	42	14	the	the	DET
fsr-3918	42	15	capm	capm	PROPN
fsr-3918	42	16	’s	’s	PART
fsr-3918	42	17	asset	asset	NOUN
fsr-3918	42	18	allocation	allocation	NOUN
fsr-3918	42	19	predictions	prediction	NOUN
fsr-3918	42	20	because	because	SCONJ
fsr-3918	42	21	they	they	PRON
fsr-3918	42	22	have	have	AUX
fsr-3918	42	23	already	already	ADV
fsr-3918	42	24	assumed	assume	VERB
fsr-3918	42	25	the	the	DET
fsr-3918	42	26	result	result	NOUN
fsr-3918	42	27	.	.	PUNCT
fsr-3918	43	1	one	one	NUM
fsr-3918	43	2	reason	reason	NOUN
fsr-3918	43	3	why	why	SCONJ
fsr-3918	43	4	these	these	DET
fsr-3918	43	5	capm	capm	PROPN
fsr-3918	43	6	predictions	prediction	NOUN
fsr-3918	43	7	are	be	AUX
fsr-3918	43	8	seldom	seldom	ADV
fsr-3918	43	9	tested	test	VERB
fsr-3918	43	10	is	be	AUX
fsr-3918	43	11	that	that	SCONJ
fsr-3918	43	12	there	there	PRON
fsr-3918	43	13	are	be	VERB
fsr-3918	43	14	very	very	ADV
fsr-3918	43	15	few	few	ADJ
fsr-3918	43	16	direct	direct	ADJ
fsr-3918	43	17	measures	measure	NOUN
fsr-3918	43	18	of	of	ADP
fsr-3918	43	19	risk	risk	NOUN
fsr-3918	43	20	tolerance	tolerance	NOUN
fsr-3918	43	21	available	available	ADJ
fsr-3918	43	22	.	.	PUNCT
fsr-3918	44	1	a	a	DET
fsr-3918	44	2	few	few	ADJ
fsr-3918	44	3	empirical	empirical	ADJ
fsr-3918	44	4	studies	study	NOUN
fsr-3918	44	5	have	have	AUX
fsr-3918	44	6	uncovered	uncover	VERB
fsr-3918	44	7	more	more	ADJ
fsr-3918	44	8	direct	direct	ADJ
fsr-3918	44	9	information	information	NOUN
fsr-3918	44	10	.	.	PUNCT
fsr-3918	45	1	viscusi	viscusi	NOUN
fsr-3918	45	2	(	(	PUNCT
fsr-3918	45	3	1992	1992	NUM
fsr-3918	45	4	)	)	PUNCT
fsr-3918	45	5	,	,	PUNCT
fsr-3918	45	6	for	for	ADP
fsr-3918	45	7	example	example	NOUN
fsr-3918	45	8	,	,	PUNCT
fsr-3918	45	9	infers	infer	NOUN
fsr-3918	45	10	risk	risk	VERB
fsr-3918	45	11	tolerance	tolerance	NOUN
fsr-3918	45	12	from	from	ADP
fsr-3918	45	13	a	a	DET
fsr-3918	45	14	willingness	willingness	NOUN
fsr-3918	45	15	to	to	PART
fsr-3918	45	16	undertake	undertake	VERB
fsr-3918	45	17	risky	risky	ADJ
fsr-3918	45	18	endeavors	endeavor	NOUN
fsr-3918	45	19	in	in	ADP
fsr-3918	45	20	other	other	ADJ
fsr-3918	45	21	areas	area	NOUN
fsr-3918	45	22	of	of	ADP
fsr-3918	45	23	life	life	NOUN
fsr-3918	45	24	.	.	PUNCT
fsr-3918	46	1	it	it	PRON
fsr-3918	46	2	would	would	AUX
fsr-3918	46	3	seem	seem	VERB
fsr-3918	46	4	to	to	PART
fsr-3918	46	5	follow	follow	VERB
fsr-3918	46	6	that	that	SCONJ
fsr-3918	46	7	an	an	DET
fsr-3918	46	8	individual	individual	NOUN
fsr-3918	46	9	choosing	choose	VERB
fsr-3918	46	10	to	to	PART
fsr-3918	46	11	race	race	VERB
fsr-3918	46	12	automobiles	automobile	NOUN
fsr-3918	46	13	for	for	ADP
fsr-3918	46	14	a	a	DET
fsr-3918	46	15	living	living	NOUN
fsr-3918	46	16	is	be	AUX
fsr-3918	46	17	relatively	relatively	ADV
fsr-3918	46	18	tolerant	tolerant	ADJ
fsr-3918	46	19	of	of	ADP
fsr-3918	46	20	risk	risk	NOUN
fsr-3918	46	21	.	.	PUNCT
fsr-3918	47	1	if	if	SCONJ
fsr-3918	47	2	so	so	ADV
fsr-3918	47	3	,	,	PUNCT
fsr-3918	47	4	his	his	PRON
fsr-3918	47	5	/	/	SYM
fsr-3918	47	6	her	her	PRON
fsr-3918	47	7	portfolio	portfolio	NOUN
fsr-3918	47	8	should	should	AUX
fsr-3918	47	9	contain	contain	VERB
fsr-3918	47	10	a	a	DET
fsr-3918	47	11	small	small	ADJ
fsr-3918	47	12	proportion	proportion	NOUN
fsr-3918	47	13	of	of	ADP
fsr-3918	47	14	risk	risk	NOUN
fsr-3918	47	15	-	-	PUNCT
fsr-3918	47	16	free	free	ADJ
fsr-3918	47	17	assets	asset	NOUN
fsr-3918	47	18	,	,	PUNCT
fsr-3918	47	19	perhaps	perhaps	ADV
fsr-3918	47	20	even	even	ADV
fsr-3918	47	21	a	a	DET
fsr-3918	47	22	negative	negative	ADJ
fsr-3918	47	23	proportion	proportion	NOUN
fsr-3918	47	24	(	(	PUNCT
fsr-3918	47	25	e.g.	e.g.	ADV
fsr-3918	47	26	,	,	PUNCT
fsr-3918	47	27	buying	buy	VERB
fsr-3918	47	28	stocks	stock	NOUN
fsr-3918	47	29	on	on	ADP
fsr-3918	47	30	margin	margin	NOUN
fsr-3918	47	31	)	)	PUNCT
fsr-3918	47	32	.	.	PUNCT
fsr-3918	48	1	if	if	SCONJ
fsr-3918	48	2	the	the	DET
fsr-3918	48	3	capm	capm	PROPN
fsr-3918	48	4	is	be	AUX
fsr-3918	48	5	correct	correct	ADJ
fsr-3918	48	6	,	,	PUNCT
fsr-3918	48	7	it	it	PRON
fsr-3918	48	8	is	be	AUX
fsr-3918	48	9	also	also	ADV
fsr-3918	48	10	true	true	ADJ
fsr-3918	48	11	that	that	SCONJ
fsr-3918	48	12	the	the	DET
fsr-3918	48	13	portion	portion	NOUN
fsr-3918	48	14	of	of	ADP
fsr-3918	48	15	the	the	DET
fsr-3918	48	16	racing	racing	NOUN
fsr-3918	48	17	enthusiast	enthusiast	NOUN
fsr-3918	48	18	’s	’s	PART
fsr-3918	48	19	portfolio	portfolio	NOUN
fsr-3918	48	20	allocated	allocate	VERB
fsr-3918	48	21	to	to	ADP
fsr-3918	48	22	risky	risky	ADJ
fsr-3918	48	23	securities	security	NOUN
fsr-3918	48	24	will	will	AUX
fsr-3918	48	25	have	have	VERB
fsr-3918	48	26	the	the	DET
fsr-3918	48	27	same	same	ADJ
fsr-3918	48	28	composition	composition	NOUN
fsr-3918	48	29	as	as	ADP
fsr-3918	48	30	that	that	PRON
fsr-3918	48	31	of	of	ADP
fsr-3918	48	32	your	your	PRON
fsr-3918	48	33	average	average	ADJ
fsr-3918	48	34	professor	professor	NOUN
fsr-3918	48	35	.	.	PUNCT
fsr-3918	49	1	of	of	ADP
fsr-3918	49	2	course	course	NOUN
fsr-3918	49	3	,	,	PUNCT
fsr-3918	49	4	many	many	ADJ
fsr-3918	49	5	characteristics	characteristic	NOUN
fsr-3918	49	6	differentiate	differentiate	VERB
fsr-3918	49	7	our	our	PRON
fsr-3918	49	8	putative	putative	ADJ
fsr-3918	49	9	race	race	NOUN
fsr-3918	49	10	car	car	NOUN
fsr-3918	49	11	driver	driver	NOUN
fsr-3918	49	12	from	from	ADP
fsr-3918	49	13	others	other	NOUN
fsr-3918	49	14	in	in	ADP
fsr-3918	49	15	the	the	DET
fsr-3918	49	16	population	population	NOUN
fsr-3918	49	17	.	.	PUNCT
fsr-3918	50	1	perhaps	perhaps	ADV
fsr-3918	50	2	the	the	DET
fsr-3918	50	3	fact	fact	NOUN
fsr-3918	50	4	that	that	SCONJ
fsr-3918	50	5	he	he	PRON
fsr-3918	50	6	/	/	PUNCT
fsr-3918	50	7	she	she	PRON
fsr-3918	50	8	is	be	AUX
fsr-3918	50	9	n’t	not	PART
fsr-3918	50	10	likely	likely	ADJ
fsr-3918	50	11	to	to	PART
fsr-3918	50	12	live	live	VERB
fsr-3918	50	13	as	as	ADP
fsr-3918	50	14	long	long	ADV
fsr-3918	50	15	makes	make	VERB
fsr-3918	50	16	him	he	PRON
fsr-3918	50	17	/	/	SYM
fsr-3918	50	18	her	she	PRON
fsr-3918	50	19	less	less	ADV
fsr-3918	50	20	likely	likely	ADJ
fsr-3918	50	21	to	to	PART
fsr-3918	50	22	value	value	VERB
fsr-3918	50	23	stocks	stock	NOUN
fsr-3918	50	24	with	with	ADP
fsr-3918	50	25	large	large	ADJ
fsr-3918	50	26	future	future	NOUN
fsr-3918	50	27	,	,	PUNCT
fsr-3918	50	28	but	but	CCONJ
fsr-3918	50	29	uncertain	uncertain	ADJ
fsr-3918	50	30	current	current	ADJ
fsr-3918	50	31	,	,	PUNCT
fsr-3918	50	32	expected	expect	VERB
fsr-3918	50	33	returns	return	NOUN
fsr-3918	50	34	.	.	PUNCT
fsr-3918	51	1	all	all	PRON
fsr-3918	51	2	of	of	ADP
fsr-3918	51	3	this	this	PRON
fsr-3918	51	4	makes	make	VERB
fsr-3918	51	5	the	the	DET
fsr-3918	51	6	approach	approach	NOUN
fsr-3918	51	7	interesting	interesting	ADJ
fsr-3918	51	8	,	,	PUNCT
fsr-3918	51	9	but	but	CCONJ
fsr-3918	51	10	not	not	PART
fsr-3918	51	11	ideal	ideal	ADJ
fsr-3918	51	12	.	.	PUNCT
fsr-3918	52	1	many	many	ADJ
fsr-3918	52	2	things	thing	NOUN
fsr-3918	52	3	other	other	ADJ
fsr-3918	52	4	than	than	ADP
fsr-3918	52	5	financial	financial	ADJ
fsr-3918	52	6	risk	risk	NOUN
fsr-3918	52	7	tolerance	tolerance	NOUN
fsr-3918	52	8	affect	affect	VERB
fsr-3918	52	9	willingness	willingness	NOUN
fsr-3918	52	10	to	to	PART
fsr-3918	52	11	engage	engage	VERB
fsr-3918	52	12	in	in	ADP
fsr-3918	52	13	other	other	ADJ
fsr-3918	52	14	sorts	sort	NOUN
fsr-3918	52	15	of	of	ADP
fsr-3918	52	16	risky	risky	ADJ
fsr-3918	52	17	behavior	behavior	NOUN
fsr-3918	52	18	.	.	PUNCT
fsr-3918	53	1	lebaron	lebaron	PROPN
fsr-3918	53	2	,	,	PUNCT
fsr-3918	53	3	farrelly	farrelly	NOUN
fsr-3918	53	4	and	and	CCONJ
fsr-3918	53	5	guha	guha	PROPN
fsr-3918	53	6	(	(	PUNCT
fsr-3918	53	7	1989	1989	NUM
fsr-3918	53	8	)	)	PUNCT
fsr-3918	53	9	and	and	CCONJ
fsr-3918	53	10	schooley	schooley	NOUN
fsr-3918	53	11	and	and	CCONJ
fsr-3918	53	12	worden	worden	NOUN
fsr-3918	53	13	(	(	PUNCT
fsr-3918	53	14	1996	1996	NUM
fsr-3918	53	15	)	)	PUNCT
fsr-3918	53	16	obtain	obtain	VERB
fsr-3918	53	17	a	a	DET
fsr-3918	53	18	measure	measure	NOUN
fsr-3918	53	19	of	of	ADP
fsr-3918	53	20	risk	risk	NOUN
fsr-3918	53	21	tolerance	tolerance	NOUN
fsr-3918	53	22	by	by	ADP
fsr-3918	53	23	survey	survey	NOUN
fsr-3918	53	24	.	.	PUNCT
fsr-3918	54	1	while	while	SCONJ
fsr-3918	54	2	lebaron	lebaron	PROPN
fsr-3918	54	3	et	et	PROPN
fsr-3918	54	4	al	al	PROPN
fsr-3918	54	5	.	.	PROPN
fsr-3918	54	6	have	have	VERB
fsr-3918	54	7	only	only	ADV
fsr-3918	54	8	a	a	DET
fsr-3918	54	9	small	small	ADJ
fsr-3918	54	10	sample	sample	NOUN
fsr-3918	54	11	and	and	CCONJ
fsr-3918	54	12	little	little	ADJ
fsr-3918	54	13	information	information	NOUN
fsr-3918	54	14	other	other	ADJ
fsr-3918	54	15	than	than	ADP
fsr-3918	54	16	the	the	DET
fsr-3918	54	17	risk	risk	NOUN
fsr-3918	54	18	tolerance	tolerance	NOUN
fsr-3918	54	19	,	,	PUNCT
fsr-3918	54	20	the	the	DET
fsr-3918	54	21	1989	1989	NUM
fsr-3918	54	22	survey	survey	NOUN
fsr-3918	54	23	of	of	ADP
fsr-3918	54	24	consumer	consumer	NOUN
fsr-3918	54	25	finance	finance	NOUN
fsr-3918	54	26	(	(	PUNCT
fsr-3918	54	27	scf	scf	PROPN
fsr-3918	54	28	)	)	PUNCT
fsr-3918	54	29	used	use	VERB
fsr-3918	54	30	by	by	ADP
fsr-3918	54	31	schooley	schooley	NOUN
fsr-3918	54	32	and	and	CCONJ
fsr-3918	54	33	worden	worden	NOUN
fsr-3918	54	34	is	be	AUX
fsr-3918	54	35	more	more	ADV
fsr-3918	54	36	complete	complete	ADJ
fsr-3918	54	37	.	.	PUNCT
fsr-3918	55	1	the	the	DET
fsr-3918	55	2	scf	scf	PROPN
fsr-3918	55	3	asked	ask	VERB
fsr-3918	55	4	participants	participant	NOUN
fsr-3918	55	5	“	"	PUNCT
fsr-3918	55	6	which	which	PRON
fsr-3918	55	7	of	of	ADP
fsr-3918	55	8	the	the	DET
fsr-3918	55	9	following	following	ADJ
fsr-3918	55	10	statements	statement	NOUN
fsr-3918	55	11	comes	come	VERB
fsr-3918	55	12	closest	close	ADJ
fsr-3918	55	13	to	to	ADP
fsr-3918	55	14	the	the	DET
fsr-3918	55	15	amount	amount	NOUN
fsr-3918	55	16	of	of	ADP
fsr-3918	55	17	financial	financial	ADJ
fsr-3918	55	18	risk	risk	NOUN
fsr-3918	55	19	that	that	PRON
fsr-3918	55	20	you	you	PRON
fsr-3918	55	21	(	(	PUNCT
fsr-3918	55	22	and	and	CCONJ
fsr-3918	55	23	your	your	PRON
fsr-3918	55	24	husband	husband	NOUN
fsr-3918	55	25	/	/	SYM
fsr-3918	55	26	wife	wife	NOUN
fsr-3918	55	27	)	)	PUNCT
fsr-3918	55	28	are	be	AUX
fsr-3918	55	29	willing	willing	ADJ
fsr-3918	55	30	to	to	PART
fsr-3918	55	31	take	take	VERB
fsr-3918	55	32	when	when	SCONJ
fsr-3918	55	33	you	you	PRON
fsr-3918	55	34	save	save	VERB
fsr-3918	55	35	or	or	CCONJ
fsr-3918	55	36	make	make	VERB
fsr-3918	55	37	investments	investment	NOUN
fsr-3918	55	38	?	?	PUNCT
fsr-3918	56	1	1	1	X
fsr-3918	56	2	.	.	X
fsr-3918	56	3	take	take	VERB
fsr-3918	56	4	substantial	substantial	ADJ
fsr-3918	56	5	financial	financial	ADJ
fsr-3918	56	6	risks	risk	NOUN
fsr-3918	56	7	expecting	expect	VERB
fsr-3918	56	8	to	to	PART
fsr-3918	56	9	earn	earn	VERB
fsr-3918	56	10	substantial	substantial	ADJ
fsr-3918	56	11	returns	return	NOUN
fsr-3918	56	12	2	2	NUM
fsr-3918	56	13	.	.	X
fsr-3918	56	14	take	take	VERB
fsr-3918	56	15	above	above	ADV
fsr-3918	56	16	average	average	ADJ
fsr-3918	56	17	financial	financial	ADJ
fsr-3918	56	18	risks	risk	NOUN
fsr-3918	56	19	expecting	expect	VERB
fsr-3918	56	20	to	to	PART
fsr-3918	56	21	earn	earn	VERB
fsr-3918	56	22	above	above	ADV
fsr-3918	56	23	average	average	ADJ
fsr-3918	56	24	returns	return	NOUN
fsr-3918	56	25	3	3	NUM
fsr-3918	56	26	.	.	X
fsr-3918	56	27	take	take	VERB
fsr-3918	56	28	average	average	ADJ
fsr-3918	56	29	financial	financial	ADJ
fsr-3918	56	30	risks	risk	NOUN
fsr-3918	56	31	expecting	expect	VERB
fsr-3918	56	32	to	to	PART
fsr-3918	56	33	earn	earn	VERB
fsr-3918	56	34	average	average	ADJ
fsr-3918	56	35	returns	return	NOUN
fsr-3918	56	36	4	4	NUM
fsr-3918	56	37	.	.	PUNCT
fsr-3918	56	38	not	not	PART
fsr-3918	56	39	willing	willing	ADJ
fsr-3918	56	40	to	to	PART
fsr-3918	56	41	take	take	VERB
fsr-3918	56	42	any	any	DET
fsr-3918	56	43	financial	financial	ADJ
fsr-3918	56	44	risks	risk	NOUN
fsr-3918	56	45	.	.	PUNCT
fsr-3918	56	46	”	"	PUNCT
fsr-3918	56	47	schooley	schooley	NOUN
fsr-3918	56	48	and	and	CCONJ
fsr-3918	56	49	worden	worden	NOUN
fsr-3918	56	50	regress	regress	NOUN
fsr-3918	56	51	the	the	DET
fsr-3918	56	52	share	share	NOUN
fsr-3918	56	53	of	of	ADP
fsr-3918	56	54	risky	risky	ADJ
fsr-3918	56	55	assets	asset	NOUN
fsr-3918	56	56	on	on	ADP
fsr-3918	56	57	dummy	dummy	ADJ
fsr-3918	56	58	variables	variable	NOUN
fsr-3918	56	59	for	for	ADP
fsr-3918	56	60	the	the	DET
fsr-3918	56	61	answers	answer	NOUN
fsr-3918	56	62	to	to	ADP
fsr-3918	56	63	this	this	DET
fsr-3918	56	64	scf	scf	PROPN
fsr-3918	56	65	question	question	NOUN
fsr-3918	56	66	.	.	PUNCT
fsr-3918	57	1	as	as	SCONJ
fsr-3918	57	2	the	the	DET
fsr-3918	57	3	capm	capm	PROPN
fsr-3918	57	4	predicts	predict	NOUN
fsr-3918	57	5	,	,	PUNCT
fsr-3918	57	6	risk	risk	VERB
fsr-3918	57	7	tolerant	tolerant	ADJ
fsr-3918	57	8	investors	investor	NOUN
fsr-3918	57	9	hold	hold	VERB
fsr-3918	57	10	a	a	DET
fsr-3918	57	11	smaller	small	ADJ
fsr-3918	57	12	proportion	proportion	NOUN
fsr-3918	57	13	of	of	ADP
fsr-3918	57	14	risk	risk	NOUN
fsr-3918	57	15	-	-	PUNCT
fsr-3918	57	16	free	free	ADJ
fsr-3918	57	17	assets	asset	NOUN
fsr-3918	57	18	and	and	CCONJ
fsr-3918	57	19	more	more	ADJ
fsr-3918	57	20	of	of	ADP
fsr-3918	57	21	the	the	DET
fsr-3918	57	22	risky	risky	ADJ
fsr-3918	57	23	portfolio	portfolio	NOUN
fsr-3918	57	24	.	.	PUNCT
fsr-3918	58	1	our	our	PRON
fsr-3918	58	2	paper	paper	NOUN
fsr-3918	58	3	substantially	substantially	ADV
fsr-3918	58	4	replicates	replicate	VERB
fsr-3918	58	5	their	their	PRON
fsr-3918	58	6	result	result	NOUN
fsr-3918	58	7	with	with	ADP
fsr-3918	58	8	a	a	DET
fsr-3918	58	9	new	new	ADJ
fsr-3918	58	10	data	datum	NOUN
fsr-3918	58	11	set	set	VERB
fsr-3918	58	12	and	and	CCONJ
fsr-3918	58	13	a	a	DET
fsr-3918	58	14	different	different	ADJ
fsr-3918	58	15	measure	measure	NOUN
fsr-3918	58	16	of	of	ADP
fsr-3918	58	17	risk	risk	NOUN
fsr-3918	58	18	tolerance	tolerance	NOUN
fsr-3918	58	19	.	.	PUNCT
fsr-3918	59	1	unlike	unlike	ADP
fsr-3918	59	2	schooley	schooley	NOUN
fsr-3918	59	3	and	and	CCONJ
fsr-3918	59	4	worden	worden	NOUN
fsr-3918	59	5	,	,	PUNCT
fsr-3918	59	6	our	our	PRON
fsr-3918	59	7	paper	paper	NOUN
fsr-3918	59	8	tests	test	VERB
fsr-3918	59	9	the	the	DET
fsr-3918	59	10	capm	capm	PROPN
fsr-3918	59	11	notion	notion	NOUN
fsr-3918	59	12	that	that	SCONJ
fsr-3918	59	13	the	the	DET
fsr-3918	59	14	composition	composition	NOUN
fsr-3918	59	15	of	of	ADP
fsr-3918	59	16	the	the	DET
fsr-3918	59	17	risky	risky	ADJ
fsr-3918	59	18	portfolio	portfolio	NOUN
fsr-3918	59	19	does	do	AUX
fsr-3918	59	20	not	not	PART
fsr-3918	59	21	change	change	VERB
fsr-3918	59	22	as	as	ADP
fsr-3918	59	23	risk	risk	NOUN
fsr-3918	59	24	tolerance	tolerance	NOUN
fsr-3918	59	25	increases	increase	NOUN
fsr-3918	59	26	.	.	PUNCT
fsr-3918	60	1	3	3	X
fsr-3918	60	2	.	.	X
fsr-3918	60	3	data	datum	NOUN
fsr-3918	60	4	and	and	CCONJ
fsr-3918	60	5	methods	method	NOUN
fsr-3918	60	6	the	the	DET
fsr-3918	60	7	data	datum	NOUN
fsr-3918	60	8	for	for	ADP
fsr-3918	60	9	our	our	PRON
fsr-3918	60	10	study	study	NOUN
fsr-3918	60	11	come	come	VERB
fsr-3918	60	12	from	from	ADP
fsr-3918	60	13	the	the	DET
fsr-3918	60	14	first	first	ADJ
fsr-3918	60	15	wave	wave	NOUN
fsr-3918	60	16	of	of	ADP
fsr-3918	60	17	the	the	DET
fsr-3918	60	18	health	health	NOUN
fsr-3918	60	19	and	and	CCONJ
fsr-3918	60	20	retirement	retirement	NOUN
fsr-3918	60	21	survey	survey	NOUN
fsr-3918	60	22	(	(	PUNCT
fsr-3918	60	23	hrs	hrs	NOUN
fsr-3918	60	24	)	)	PUNCT
fsr-3918	60	25	conducted	conduct	VERB
fsr-3918	60	26	by	by	ADP
fsr-3918	60	27	the	the	DET
fsr-3918	60	28	university	university	PROPN
fsr-3918	60	29	of	of	ADP
fsr-3918	60	30	michigan	michigan	PROPN
fsr-3918	60	31	’s	’s	PART
fsr-3918	60	32	survey	survey	PROPN
fsr-3918	60	33	research	research	NOUN
fsr-3918	60	34	center	center	NOUN
fsr-3918	60	35	in	in	ADP
fsr-3918	60	36	1992	1992	NUM
fsr-3918	60	37	.	.	PUNCT
fsr-3918	61	1	more	more	ADJ
fsr-3918	61	2	information	information	NOUN
fsr-3918	61	3	on	on	ADP
fsr-3918	61	4	this	this	DET
fsr-3918	61	5	data	datum	NOUN
fsr-3918	61	6	set	set	VERB
fsr-3918	61	7	is	be	AUX
fsr-3918	61	8	available	available	ADJ
fsr-3918	61	9	athttp://www.umich.edu/;hrswww/center/	athttp://www.umich.edu/;hrswww/center/	ADP
fsr-3918	62	1	center.html.the	center.html.the	DET
fsr-3918	62	2	hrs	hrs	NOUN
fsr-3918	62	3	is	be	AUX
fsr-3918	62	4	a	a	DET
fsr-3918	62	5	nationally	nationally	ADV
fsr-3918	62	6	representative	representative	ADJ
fsr-3918	62	7	sample	sample	NOUN
fsr-3918	62	8	of	of	ADP
fsr-3918	62	9	15,000	15,000	NUM
fsr-3918	62	10	individuals	individual	NOUN
fsr-3918	62	11	aged	age	VERB
fsr-3918	62	12	51–61	51–61	NUM
fsr-3918	62	13	.	.	PUNCT
fsr-3918	63	1	the	the	DET
fsr-3918	63	2	primary	primary	ADJ
fsr-3918	63	3	objective	objective	NOUN
fsr-3918	63	4	of	of	ADP
fsr-3918	63	5	this	this	DET
fsr-3918	63	6	data	datum	NOUN
fsr-3918	63	7	set	set	VERB
fsr-3918	63	8	was	be	AUX
fsr-3918	63	9	to	to	PART
fsr-3918	63	10	collect	collect	VERB
fsr-3918	63	11	longitudinal	longitudinal	ADJ
fsr-3918	63	12	information	information	NOUN
fsr-3918	63	13	on	on	ADP
fsr-3918	63	14	the	the	DET
fsr-3918	63	15	health	health	NOUN
fsr-3918	63	16	,	,	PUNCT
fsr-3918	63	17	financial	financial	ADJ
fsr-3918	63	18	well	well	ADV
fsr-3918	63	19	being	being	NOUN
fsr-3918	63	20	and	and	CCONJ
fsr-3918	63	21	labor	labor	NOUN
fsr-3918	63	22	market	market	NOUN
fsr-3918	63	23	decisions	decision	NOUN
fsr-3918	63	24	of	of	ADP
fsr-3918	63	25	people	people	NOUN
fsr-3918	63	26	approaching	approach	VERB
fsr-3918	63	27	retirement	retirement	NOUN
fsr-3918	63	28	.	.	PUNCT
fsr-3918	64	1	to	to	ADP
fsr-3918	64	2	this	this	DET
fsr-3918	64	3	end	end	NOUN
fsr-3918	64	4	,	,	PUNCT
fsr-3918	64	5	the	the	DET
fsr-3918	64	6	hrs	hrs	NOUN
fsr-3918	64	7	will	will	AUX
fsr-3918	64	8	track	track	VERB
fsr-3918	64	9	the	the	DET
fsr-3918	64	10	same	same	ADJ
fsr-3918	64	11	individuals	individual	NOUN
fsr-3918	64	12	every	every	DET
fsr-3918	64	13	two	two	NUM
fsr-3918	64	14	years	year	NOUN
fsr-3918	64	15	over	over	ADP
fsr-3918	64	16	a	a	DET
fsr-3918	64	17	prolonged	prolonged	ADJ
fsr-3918	64	18	period	period	NOUN
fsr-3918	64	19	161	161	NUM
fsr-3918	64	20	g.	g.	NOUN
fsr-3918	64	21	hariharan	hariharan	PROPN
fsr-3918	64	22	et	et	PROPN
fsr-3918	64	23	al	al	PROPN
fsr-3918	64	24	.	.	PUNCT
fsr-3918	64	25	/	/	SYM
fsr-3918	64	26	financial	financial	ADJ
fsr-3918	64	27	services	service	NOUN
fsr-3918	64	28	review	review	VERB
fsr-3918	64	29	9	9	NUM
fsr-3918	64	30	(	(	PUNCT
fsr-3918	64	31	2000	2000	NUM
fsr-3918	64	32	)	)	PUNCT
fsr-3918	65	1	159–170	159–170	NUM
fsr-3918	65	2	stretching	stretch	VERB
fsr-3918	65	3	at	at	ADP
fsr-3918	65	4	least	least	ADJ
fsr-3918	65	5	into	into	ADP
fsr-3918	65	6	the	the	DET
fsr-3918	65	7	first	first	ADJ
fsr-3918	65	8	decade	decade	NOUN
fsr-3918	65	9	of	of	ADP
fsr-3918	65	10	the	the	DET
fsr-3918	65	11	21st	21st	ADJ
fsr-3918	65	12	century	century	NOUN
fsr-3918	65	13	.	.	PUNCT
fsr-3918	66	1	such	such	DET
fsr-3918	66	2	a	a	DET
fsr-3918	66	3	longitudinal	longitudinal	ADJ
fsr-3918	66	4	data	datum	NOUN
fsr-3918	66	5	set	set	NOUN
fsr-3918	66	6	,	,	PUNCT
fsr-3918	66	7	it	it	PRON
fsr-3918	66	8	is	be	AUX
fsr-3918	66	9	expected	expect	VERB
fsr-3918	66	10	,	,	PUNCT
fsr-3918	66	11	will	will	AUX
fsr-3918	66	12	provide	provide	VERB
fsr-3918	66	13	a	a	DET
fsr-3918	66	14	wealth	wealth	NOUN
fsr-3918	66	15	of	of	ADP
fsr-3918	66	16	information	information	NOUN
fsr-3918	66	17	that	that	PRON
fsr-3918	66	18	can	can	AUX
fsr-3918	66	19	track	track	VERB
fsr-3918	66	20	changes	change	NOUN
fsr-3918	66	21	in	in	ADP
fsr-3918	66	22	health	health	NOUN
fsr-3918	66	23	status	status	NOUN
fsr-3918	66	24	,	,	PUNCT
fsr-3918	66	25	financial	financial	ADJ
fsr-3918	66	26	status	status	NOUN
fsr-3918	66	27	and	and	CCONJ
fsr-3918	66	28	labor	labor	NOUN
fsr-3918	66	29	market	market	NOUN
fsr-3918	66	30	status	status	NOUN
fsr-3918	66	31	of	of	ADP
fsr-3918	66	32	these	these	DET
fsr-3918	66	33	individuals	individual	NOUN
fsr-3918	66	34	and	and	CCONJ
fsr-3918	66	35	the	the	DET
fsr-3918	66	36	reasons	reason	NOUN
fsr-3918	66	37	for	for	ADP
fsr-3918	66	38	such	such	DET
fsr-3918	66	39	a	a	DET
fsr-3918	66	40	change	change	NOUN
fsr-3918	66	41	.	.	PUNCT
fsr-3918	67	1	the	the	DET
fsr-3918	67	2	first	first	ADJ
fsr-3918	67	3	wave	wave	NOUN
fsr-3918	67	4	of	of	ADP
fsr-3918	67	5	data	datum	NOUN
fsr-3918	67	6	,	,	PUNCT
fsr-3918	67	7	which	which	PRON
fsr-3918	67	8	is	be	AUX
fsr-3918	67	9	the	the	DET
fsr-3918	67	10	one	one	NOUN
fsr-3918	67	11	used	use	VERB
fsr-3918	67	12	in	in	ADP
fsr-3918	67	13	this	this	DET
fsr-3918	67	14	paper	paper	NOUN
fsr-3918	67	15	,	,	PUNCT
fsr-3918	67	16	was	be	AUX
fsr-3918	67	17	collected	collect	VERB
fsr-3918	67	18	in	in	ADP
fsr-3918	67	19	1992	1992	NUM
fsr-3918	67	20	.	.	PUNCT
fsr-3918	68	1	for	for	ADP
fsr-3918	68	2	the	the	DET
fsr-3918	68	3	first	first	ADJ
fsr-3918	68	4	wave	wave	NOUN
fsr-3918	68	5	,	,	PUNCT
fsr-3918	68	6	in	in	ADP
fsr-3918	68	7	addition	addition	NOUN
fsr-3918	68	8	to	to	ADP
fsr-3918	68	9	the	the	DET
fsr-3918	68	10	core	core	NOUN
fsr-3918	68	11	set	set	NOUN
fsr-3918	68	12	of	of	ADP
fsr-3918	68	13	questions	question	NOUN
fsr-3918	68	14	on	on	ADP
fsr-3918	68	15	health	health	NOUN
fsr-3918	68	16	,	,	PUNCT
fsr-3918	68	17	wealth	wealth	NOUN
fsr-3918	68	18	and	and	CCONJ
fsr-3918	68	19	employment	employment	NOUN
fsr-3918	68	20	characteristics	characteristic	NOUN
fsr-3918	68	21	,	,	PUNCT
fsr-3918	68	22	a	a	DET
fsr-3918	68	23	set	set	NOUN
fsr-3918	68	24	of	of	ADP
fsr-3918	68	25	ten	ten	NUM
fsr-3918	68	26	experimental	experimental	ADJ
fsr-3918	68	27	modules	module	NOUN
fsr-3918	68	28	collected	collect	VERB
fsr-3918	68	29	information	information	NOUN
fsr-3918	68	30	on	on	ADP
fsr-3918	68	31	key	key	ADJ
fsr-3918	68	32	topics	topic	NOUN
fsr-3918	68	33	of	of	ADP
fsr-3918	68	34	interest	interest	NOUN
fsr-3918	68	35	including	include	VERB
fsr-3918	68	36	parents	parent	NOUN
fsr-3918	68	37	’	’	PART
fsr-3918	68	38	wealth	wealth	NOUN
fsr-3918	68	39	,	,	PUNCT
fsr-3918	68	40	and	and	CCONJ
fsr-3918	68	41	spending	spending	NOUN
fsr-3918	68	42	and	and	CCONJ
fsr-3918	68	43	saving	save	VERB
fsr-3918	68	44	preferences	preference	NOUN
fsr-3918	68	45	.	.	PUNCT
fsr-3918	69	1	our	our	PRON
fsr-3918	69	2	interest	interest	NOUN
fsr-3918	69	3	in	in	ADP
fsr-3918	69	4	the	the	DET
fsr-3918	69	5	hrs	hrs	NOUN
fsr-3918	69	6	stems	stem	VERB
fsr-3918	69	7	from	from	ADP
fsr-3918	69	8	three	three	NUM
fsr-3918	69	9	pieces	piece	NOUN
fsr-3918	69	10	of	of	ADP
fsr-3918	69	11	information	information	NOUN
fsr-3918	69	12	contained	contain	VERB
fsr-3918	69	13	in	in	ADP
fsr-3918	69	14	it	it	PRON
fsr-3918	69	15	:	:	PUNCT
fsr-3918	69	16	(	(	PUNCT
fsr-3918	69	17	1	1	X
fsr-3918	69	18	)	)	PUNCT
fsr-3918	69	19	information	information	NOUN
fsr-3918	69	20	on	on	ADP
fsr-3918	69	21	assets	asset	NOUN
fsr-3918	69	22	broken	break	VERB
fsr-3918	69	23	down	down	ADP
fsr-3918	69	24	into	into	ADP
fsr-3918	69	25	stocks	stock	NOUN
fsr-3918	69	26	,	,	PUNCT
fsr-3918	69	27	bonds	bond	NOUN
fsr-3918	69	28	,	,	PUNCT
fsr-3918	69	29	and	and	CCONJ
fsr-3918	69	30	so	so	ADV
fsr-3918	69	31	forth	forth	ADV
fsr-3918	69	32	,	,	PUNCT
fsr-3918	69	33	(	(	PUNCT
fsr-3918	69	34	2	2	X
fsr-3918	69	35	)	)	PUNCT
fsr-3918	69	36	information	information	NOUN
fsr-3918	69	37	on	on	ADP
fsr-3918	69	38	expectations	expectation	NOUN
fsr-3918	69	39	regarding	regard	VERB
fsr-3918	69	40	inflation	inflation	NOUN
fsr-3918	69	41	,	,	PUNCT
fsr-3918	69	42	economic	economic	ADJ
fsr-3918	69	43	depression	depression	NOUN
fsr-3918	69	44	and	and	CCONJ
fsr-3918	69	45	bequest	bequest	NOUN
fsr-3918	69	46	motives	motive	NOUN
fsr-3918	69	47	,	,	PUNCT
fsr-3918	69	48	and	and	CCONJ
fsr-3918	69	49	(	(	PUNCT
fsr-3918	69	50	3	3	X
fsr-3918	69	51	)	)	PUNCT
fsr-3918	69	52	information	information	NOUN
fsr-3918	69	53	on	on	ADP
fsr-3918	69	54	risk	risk	NOUN
fsr-3918	69	55	tolerance	tolerance	NOUN
fsr-3918	69	56	of	of	ADP
fsr-3918	69	57	the	the	DET
fsr-3918	69	58	respondents	respondent	NOUN
fsr-3918	69	59	.	.	PUNCT
fsr-3918	70	1	the	the	DET
fsr-3918	70	2	core	core	NOUN
fsr-3918	70	3	data	datum	NOUN
fsr-3918	70	4	provide	provide	VERB
fsr-3918	70	5	information	information	NOUN
fsr-3918	70	6	on	on	ADP
fsr-3918	70	7	the	the	DET
fsr-3918	70	8	amount	amount	NOUN
fsr-3918	70	9	of	of	ADP
fsr-3918	70	10	the	the	DET
fsr-3918	70	11	respondents	respondent	NOUN
fsr-3918	70	12	’	'	PUNCT
fsr-3918	70	13	nonhousing	nonhouse	VERB
fsr-3918	70	14	wealth	wealth	NOUN
fsr-3918	70	15	invested	invest	VERB
fsr-3918	70	16	in	in	ADP
fsr-3918	70	17	stocks	stock	NOUN
fsr-3918	70	18	of	of	ADP
fsr-3918	70	19	publicly	publicly	ADV
fsr-3918	70	20	held	hold	VERB
fsr-3918	70	21	companies	company	NOUN
fsr-3918	70	22	,	,	PUNCT
fsr-3918	70	23	mutual	mutual	ADJ
fsr-3918	70	24	funds	fund	NOUN
fsr-3918	70	25	or	or	CCONJ
fsr-3918	70	26	investment	investment	NOUN
fsr-3918	70	27	trusts	trust	NOUN
fsr-3918	70	28	,	,	PUNCT
fsr-3918	70	29	bonds	bond	NOUN
fsr-3918	70	30	including	include	VERB
fsr-3918	70	31	corporate	corporate	ADJ
fsr-3918	70	32	,	,	PUNCT
fsr-3918	70	33	government	government	NOUN
fsr-3918	70	34	,	,	PUNCT
fsr-3918	70	35	and	and	CCONJ
fsr-3918	70	36	foreign	foreign	ADJ
fsr-3918	70	37	bonds	bond	NOUN
fsr-3918	70	38	,	,	PUNCT
fsr-3918	70	39	as	as	ADV
fsr-3918	70	40	well	well	ADV
fsr-3918	70	41	as	as	ADP
fsr-3918	70	42	money	money	NOUN
fsr-3918	70	43	in	in	ADP
fsr-3918	70	44	certificates	certificate	NOUN
fsr-3918	70	45	of	of	ADP
fsr-3918	70	46	deposit	deposit	NOUN
fsr-3918	70	47	,	,	PUNCT
fsr-3918	70	48	government	government	NOUN
fsr-3918	70	49	savings	saving	NOUN
fsr-3918	70	50	bonds	bond	NOUN
fsr-3918	70	51	and	and	CCONJ
fsr-3918	70	52	treasury	treasury	NOUN
fsr-3918	70	53	bills	bill	NOUN
fsr-3918	70	54	.	.	PUNCT
fsr-3918	71	1	one	one	NUM
fsr-3918	71	2	shortcoming	shortcoming	NOUN
fsr-3918	71	3	of	of	ADP
fsr-3918	71	4	the	the	DET
fsr-3918	71	5	information	information	NOUN
fsr-3918	71	6	on	on	ADP
fsr-3918	71	7	the	the	DET
fsr-3918	71	8	asset	asset	NOUN
fsr-3918	71	9	variables	variable	NOUN
fsr-3918	71	10	is	be	AUX
fsr-3918	71	11	that	that	SCONJ
fsr-3918	71	12	finer	fine	ADJ
fsr-3918	71	13	distinctions	distinction	NOUN
fsr-3918	71	14	,	,	PUNCT
fsr-3918	71	15	for	for	ADP
fsr-3918	71	16	instance	instance	NOUN
fsr-3918	71	17	the	the	DET
fsr-3918	71	18	type	type	NOUN
fsr-3918	71	19	of	of	ADP
fsr-3918	71	20	bonds	bond	NOUN
fsr-3918	71	21	,	,	PUNCT
fsr-3918	71	22	are	be	AUX
fsr-3918	71	23	not	not	PART
fsr-3918	71	24	available	available	ADJ
fsr-3918	71	25	in	in	ADP
fsr-3918	71	26	this	this	DET
fsr-3918	71	27	data	data	NOUN
fsr-3918	71	28	set	set	VERB
fsr-3918	71	29	.	.	PUNCT
fsr-3918	72	1	the	the	DET
fsr-3918	72	2	hrs	hrs	NOUN
fsr-3918	72	3	also	also	ADV
fsr-3918	72	4	provides	provide	VERB
fsr-3918	72	5	responses	response	NOUN
fsr-3918	72	6	to	to	ADP
fsr-3918	72	7	questions	question	NOUN
fsr-3918	72	8	about	about	ADP
fsr-3918	72	9	respondents	respondent	NOUN
fsr-3918	72	10	’	'	PUNCT
fsr-3918	72	11	expectations	expectation	NOUN
fsr-3918	72	12	on	on	ADP
fsr-3918	72	13	inflation	inflation	NOUN
fsr-3918	72	14	and	and	CCONJ
fsr-3918	72	15	depression	depression	NOUN
fsr-3918	72	16	in	in	ADP
fsr-3918	72	17	the	the	DET
fsr-3918	72	18	economy	economy	NOUN
fsr-3918	72	19	,	,	PUNCT
fsr-3918	72	20	the	the	DET
fsr-3918	72	21	length	length	NOUN
fsr-3918	72	22	of	of	ADP
fsr-3918	72	23	their	their	PRON
fsr-3918	72	24	planning	planning	NOUN
fsr-3918	72	25	horizon	horizon	NOUN
fsr-3918	72	26	,	,	PUNCT
fsr-3918	72	27	and	and	CCONJ
fsr-3918	72	28	the	the	DET
fsr-3918	72	29	strength	strength	NOUN
fsr-3918	72	30	of	of	ADP
fsr-3918	72	31	their	their	PRON
fsr-3918	72	32	bequest	bequest	NOUN
fsr-3918	72	33	motives	motive	NOUN
fsr-3918	72	34	.	.	PUNCT
fsr-3918	73	1	the	the	DET
fsr-3918	73	2	inclusion	inclusion	NOUN
fsr-3918	73	3	of	of	ADP
fsr-3918	73	4	a	a	DET
fsr-3918	73	5	survey	survey	NOUN
fsr-3918	73	6	question	question	NOUN
fsr-3918	73	7	intended	intend	VERB
fsr-3918	73	8	to	to	PART
fsr-3918	73	9	assess	assess	VERB
fsr-3918	73	10	risk	risk	NOUN
fsr-3918	73	11	tolerance	tolerance	NOUN
fsr-3918	73	12	was	be	AUX
fsr-3918	73	13	of	of	ADP
fsr-3918	73	14	particular	particular	ADJ
fsr-3918	73	15	interest	interest	NOUN
fsr-3918	73	16	to	to	ADP
fsr-3918	73	17	us	we	PRON
fsr-3918	73	18	in	in	ADP
fsr-3918	73	19	examining	examine	VERB
fsr-3918	73	20	the	the	DET
fsr-3918	73	21	role	role	NOUN
fsr-3918	73	22	of	of	ADP
fsr-3918	73	23	risk	risk	NOUN
fsr-3918	73	24	tolerance	tolerance	NOUN
fsr-3918	73	25	on	on	ADP
fsr-3918	73	26	asset	asset	NOUN
fsr-3918	73	27	allocation	allocation	NOUN
fsr-3918	73	28	decisions	decision	NOUN
fsr-3918	73	29	.	.	PUNCT
fsr-3918	74	1	respondents	respondent	NOUN
fsr-3918	74	2	were	be	AUX
fsr-3918	74	3	asked	ask	VERB
fsr-3918	74	4	to	to	PART
fsr-3918	74	5	suppose	suppose	VERB
fsr-3918	74	6	that	that	SCONJ
fsr-3918	74	7	they	they	PRON
fsr-3918	74	8	were	be	AUX
fsr-3918	74	9	the	the	DET
fsr-3918	74	10	only	only	ADJ
fsr-3918	74	11	income	income	NOUN
fsr-3918	74	12	earner	earner	NOUN
fsr-3918	74	13	in	in	ADP
fsr-3918	74	14	the	the	DET
fsr-3918	74	15	family	family	NOUN
fsr-3918	74	16	with	with	ADP
fsr-3918	74	17	a	a	DET
fsr-3918	74	18	good	good	ADJ
fsr-3918	74	19	job	job	NOUN
fsr-3918	74	20	guaranteed	guarantee	VERB
fsr-3918	74	21	to	to	PART
fsr-3918	74	22	provide	provide	VERB
fsr-3918	74	23	their	their	PRON
fsr-3918	74	24	current	current	ADJ
fsr-3918	74	25	family	family	NOUN
fsr-3918	74	26	income	income	NOUN
fsr-3918	74	27	for	for	ADP
fsr-3918	74	28	life	life	NOUN
fsr-3918	74	29	.	.	PUNCT
fsr-3918	75	1	they	they	PRON
fsr-3918	75	2	were	be	AUX
fsr-3918	75	3	then	then	ADV
fsr-3918	75	4	asked	ask	VERB
fsr-3918	75	5	if	if	SCONJ
fsr-3918	75	6	they	they	PRON
fsr-3918	75	7	would	would	AUX
fsr-3918	75	8	accept	accept	VERB
fsr-3918	75	9	an	an	DET
fsr-3918	75	10	opportunity	opportunity	NOUN
fsr-3918	75	11	to	to	PART
fsr-3918	75	12	take	take	VERB
fsr-3918	75	13	a	a	DET
fsr-3918	75	14	new	new	ADJ
fsr-3918	75	15	and	and	CCONJ
fsr-3918	75	16	equally	equally	ADV
fsr-3918	75	17	good	good	ADJ
fsr-3918	75	18	job	job	NOUN
fsr-3918	75	19	with	with	ADP
fsr-3918	75	20	a	a	DET
fsr-3918	75	21	50–50	50–50	NUM
fsr-3918	75	22	chance	chance	NOUN
fsr-3918	75	23	of	of	ADP
fsr-3918	75	24	doubling	double	VERB
fsr-3918	75	25	family	family	NOUN
fsr-3918	75	26	income	income	NOUN
fsr-3918	75	27	and	and	CCONJ
fsr-3918	75	28	a	a	DET
fsr-3918	75	29	50–50	50–50	NUM
fsr-3918	75	30	chance	chance	NOUN
fsr-3918	75	31	that	that	SCONJ
fsr-3918	75	32	family	family	NOUN
fsr-3918	75	33	income	income	NOUN
fsr-3918	75	34	would	would	AUX
fsr-3918	75	35	be	be	AUX
fsr-3918	75	36	reduced	reduce	VERB
fsr-3918	75	37	by	by	ADP
fsr-3918	75	38	a	a	DET
fsr-3918	75	39	third	third	NOUN
fsr-3918	75	40	.	.	PUNCT
fsr-3918	76	1	depending	depend	VERB
fsr-3918	76	2	on	on	ADP
fsr-3918	76	3	their	their	PRON
fsr-3918	76	4	response	response	NOUN
fsr-3918	76	5	,	,	PUNCT
fsr-3918	76	6	individuals	individual	NOUN
fsr-3918	76	7	were	be	AUX
fsr-3918	76	8	next	next	ADV
fsr-3918	76	9	asked	ask	VERB
fsr-3918	76	10	about	about	ADP
fsr-3918	76	11	their	their	PRON
fsr-3918	76	12	willingness	willingness	NOUN
fsr-3918	76	13	to	to	PART
fsr-3918	76	14	take	take	VERB
fsr-3918	76	15	a	a	DET
fsr-3918	76	16	job	job	NOUN
fsr-3918	76	17	that	that	PRON
fsr-3918	76	18	had	have	VERB
fsr-3918	76	19	a	a	DET
fsr-3918	76	20	50–50	50–50	NUM
fsr-3918	76	21	chance	chance	NOUN
fsr-3918	76	22	of	of	ADP
fsr-3918	76	23	doubling	double	VERB
fsr-3918	76	24	their	their	PRON
fsr-3918	76	25	income	income	NOUN
fsr-3918	76	26	and	and	CCONJ
fsr-3918	76	27	a	a	DET
fsr-3918	76	28	50–50	50–50	NUM
fsr-3918	76	29	chance	chance	NOUN
fsr-3918	76	30	of	of	ADP
fsr-3918	76	31	either	either	DET
fsr-3918	76	32	halving	halve	VERB
fsr-3918	76	33	or	or	CCONJ
fsr-3918	76	34	reducing	reduce	VERB
fsr-3918	76	35	their	their	PRON
fsr-3918	76	36	income	income	NOUN
fsr-3918	76	37	by	by	ADP
fsr-3918	76	38	20	20	NUM
fsr-3918	76	39	%	%	NOUN
fsr-3918	76	40	.	.	PUNCT
fsr-3918	77	1	from	from	ADP
fsr-3918	77	2	the	the	DET
fsr-3918	77	3	two	two	NUM
fsr-3918	77	4	questions	question	NOUN
fsr-3918	77	5	,	,	PUNCT
fsr-3918	77	6	we	we	PRON
fsr-3918	77	7	can	can	AUX
fsr-3918	77	8	obtain	obtain	VERB
fsr-3918	77	9	an	an	DET
fsr-3918	77	10	index	index	NOUN
fsr-3918	77	11	of	of	ADP
fsr-3918	77	12	risk	risk	NOUN
fsr-3918	77	13	tolerance	tolerance	NOUN
fsr-3918	77	14	with	with	ADP
fsr-3918	77	15	four	four	NUM
fsr-3918	77	16	values	value	NOUN
fsr-3918	77	17	that	that	PRON
fsr-3918	77	18	range	range	VERB
fsr-3918	77	19	from	from	ADP
fsr-3918	77	20	zero	zero	NUM
fsr-3918	77	21	(	(	PUNCT
fsr-3918	77	22	least	least	ADJ
fsr-3918	77	23	risk	risk	NOUN
fsr-3918	77	24	-	-	PUNCT
fsr-3918	77	25	tolerant	tolerant	ADJ
fsr-3918	77	26	/	/	SYM
fsr-3918	77	27	most	most	ADJ
fsr-3918	77	28	risk	risk	NOUN
fsr-3918	77	29	-	-	PUNCT
fsr-3918	77	30	averse	averse	ADJ
fsr-3918	77	31	)	)	PUNCT
fsr-3918	77	32	to	to	ADP
fsr-3918	77	33	three	three	NUM
fsr-3918	77	34	(	(	PUNCT
fsr-3918	77	35	most	most	ADJ
fsr-3918	77	36	risk	risk	NOUN
fsr-3918	77	37	-	-	PUNCT
fsr-3918	77	38	tolerant	tolerant	ADJ
fsr-3918	77	39	/	/	SYM
fsr-3918	77	40	least	least	ADJ
fsr-3918	77	41	risk	risk	NOUN
fsr-3918	77	42	-	-	PUNCT
fsr-3918	77	43	averse	averse	ADJ
fsr-3918	77	44	)	)	PUNCT
fsr-3918	77	45	.	.	PUNCT
fsr-3918	78	1	we	we	PRON
fsr-3918	78	2	label	label	VERB
fsr-3918	78	3	this	this	DET
fsr-3918	78	4	variable	variable	ADJ
fsr-3918	78	5	risk	risk	NOUN
fsr-3918	78	6	.	.	PUNCT
fsr-3918	79	1	we	we	PRON
fsr-3918	79	2	use	use	VERB
fsr-3918	79	3	linear	linear	ADJ
fsr-3918	79	4	regression	regression	NOUN
fsr-3918	79	5	techniques	technique	NOUN
fsr-3918	79	6	to	to	PART
fsr-3918	79	7	relate	relate	VERB
fsr-3918	79	8	risk	risk	NOUN
fsr-3918	79	9	tolerance	tolerance	NOUN
fsr-3918	79	10	to	to	ADP
fsr-3918	79	11	an	an	DET
fsr-3918	79	12	individual	individual	NOUN
fsr-3918	79	13	’s	’s	PART
fsr-3918	79	14	(	(	PUNCT
fsr-3918	79	15	1	1	X
fsr-3918	79	16	)	)	PUNCT
fsr-3918	79	17	share	share	NOUN
fsr-3918	79	18	of	of	ADP
fsr-3918	79	19	risk	risk	NOUN
fsr-3918	79	20	-	-	PUNCT
fsr-3918	79	21	free	free	ADJ
fsr-3918	79	22	assets	asset	NOUN
fsr-3918	79	23	among	among	ADP
fsr-3918	79	24	all	all	DET
fsr-3918	79	25	assets	asset	NOUN
fsr-3918	79	26	and	and	CCONJ
fsr-3918	79	27	(	(	PUNCT
fsr-3918	79	28	2	2	X
fsr-3918	79	29	)	)	PUNCT
fsr-3918	79	30	share	share	NOUN
fsr-3918	79	31	of	of	ADP
fsr-3918	79	32	bonds	bond	NOUN
fsr-3918	79	33	among	among	ADP
fsr-3918	79	34	risky	risky	ADJ
fsr-3918	79	35	assets	asset	NOUN
fsr-3918	79	36	.	.	PUNCT
fsr-3918	80	1	the	the	DET
fsr-3918	80	2	hrs	hrs	NOUN
fsr-3918	80	3	data	datum	NOUN
fsr-3918	80	4	allow	allow	VERB
fsr-3918	80	5	us	we	PRON
fsr-3918	80	6	to	to	PART
fsr-3918	80	7	divide	divide	VERB
fsr-3918	80	8	a	a	DET
fsr-3918	80	9	person	person	NOUN
fsr-3918	80	10	’s	’s	PART
fsr-3918	80	11	assets	asset	NOUN
fsr-3918	80	12	into	into	ADP
fsr-3918	80	13	stocks	stock	NOUN
fsr-3918	80	14	,	,	PUNCT
fsr-3918	80	15	bonds	bond	NOUN
fsr-3918	80	16	and	and	CCONJ
fsr-3918	80	17	treasury	treasury	NOUN
fsr-3918	80	18	bills	bill	NOUN
fsr-3918	80	19	.	.	PUNCT
fsr-3918	81	1	we	we	PRON
fsr-3918	81	2	treat	treat	VERB
fsr-3918	81	3	stocks	stock	NOUN
fsr-3918	81	4	and	and	CCONJ
fsr-3918	81	5	bonds	bond	NOUN
fsr-3918	81	6	as	as	ADP
fsr-3918	81	7	risky	risky	ADJ
fsr-3918	81	8	prospects	prospect	NOUN
fsr-3918	81	9	with	with	ADP
fsr-3918	81	10	different	different	ADJ
fsr-3918	81	11	properties	property	NOUN
fsr-3918	81	12	,	,	PUNCT
fsr-3918	81	13	and	and	CCONJ
fsr-3918	81	14	treasury	treasury	PROPN
fsr-3918	81	15	bills	bill	NOUN
fsr-3918	81	16	as	as	ADP
fsr-3918	81	17	risk	risk	NOUN
fsr-3918	81	18	-	-	PUNCT
fsr-3918	81	19	free	free	ADJ
fsr-3918	81	20	assets	asset	NOUN
fsr-3918	81	21	.	.	PUNCT
fsr-3918	82	1	as	as	SCONJ
fsr-3918	82	2	mentioned	mention	VERB
fsr-3918	82	3	in	in	ADP
fsr-3918	82	4	the	the	DET
fsr-3918	82	5	previous	previous	ADJ
fsr-3918	82	6	section	section	NOUN
fsr-3918	82	7	,	,	PUNCT
fsr-3918	82	8	eq	eq	NOUN
fsr-3918	82	9	.	.	PUNCT
fsr-3918	83	1	(	(	PUNCT
fsr-3918	83	2	1	1	X
fsr-3918	83	3	)	)	PUNCT
fsr-3918	83	4	describing	describe	VERB
fsr-3918	83	5	the	the	DET
fsr-3918	83	6	asset	asset	NOUN
fsr-3918	83	7	allocation	allocation	NOUN
fsr-3918	83	8	rule	rule	NOUN
fsr-3918	83	9	from	from	ADP
fsr-3918	83	10	the	the	DET
fsr-3918	83	11	capital	capital	NOUN
fsr-3918	83	12	asset	asset	NOUN
fsr-3918	83	13	pricing	pricing	NOUN
fsr-3918	83	14	model	model	NOUN
fsr-3918	83	15	is	be	AUX
fsr-3918	83	16	the	the	DET
fsr-3918	83	17	basis	basis	NOUN
fsr-3918	83	18	for	for	ADP
fsr-3918	83	19	the	the	DET
fsr-3918	83	20	regressions	regression	NOUN
fsr-3918	83	21	we	we	PRON
fsr-3918	83	22	employ	employ	VERB
fsr-3918	83	23	in	in	ADP
fsr-3918	83	24	this	this	DET
fsr-3918	83	25	paper	paper	NOUN
fsr-3918	83	26	.	.	PUNCT
fsr-3918	84	1	eq	eq	ADJ
fsr-3918	84	2	.	.	PUNCT
fsr-3918	85	1	(	(	PUNCT
fsr-3918	85	2	1	1	X
fsr-3918	85	3	)	)	PUNCT
fsr-3918	85	4	suggests	suggest	VERB
fsr-3918	85	5	that	that	SCONJ
fsr-3918	85	6	the	the	DET
fsr-3918	85	7	proportion	proportion	NOUN
fsr-3918	85	8	of	of	ADP
fsr-3918	85	9	all	all	DET
fsr-3918	85	10	assets	asset	NOUN
fsr-3918	85	11	held	hold	VERB
fsr-3918	85	12	in	in	ADP
fsr-3918	85	13	risky	risky	ADJ
fsr-3918	85	14	securities	security	NOUN
fsr-3918	85	15	is	be	AUX
fsr-3918	85	16	a	a	DET
fsr-3918	85	17	function	function	NOUN
fsr-3918	85	18	of	of	ADP
fsr-3918	85	19	a	a	DET
fsr-3918	85	20	person	person	NOUN
fsr-3918	85	21	’s	’s	PART
fsr-3918	85	22	risk	risk	NOUN
fsr-3918	85	23	tolerance	tolerance	NOUN
fsr-3918	85	24	,	,	PUNCT
fsr-3918	85	25	his	his	PRON
fsr-3918	85	26	/	/	SYM
fsr-3918	85	27	her	her	PRON
fsr-3918	85	28	relative	relative	ADJ
fsr-3918	85	29	investment	investment	NOUN
fsr-3918	85	30	human	human	ADJ
fsr-3918	85	31	capital	capital	NOUN
fsr-3918	85	32	and	and	CCONJ
fsr-3918	85	33	factors	factor	NOUN
fsr-3918	85	34	that	that	PRON
fsr-3918	85	35	are	be	AUX
fsr-3918	85	36	common	common	ADJ
fsr-3918	85	37	to	to	ADP
fsr-3918	85	38	everybody	everybody	PRON
fsr-3918	85	39	in	in	ADP
fsr-3918	85	40	the	the	DET
fsr-3918	85	41	market	market	NOUN
fsr-3918	85	42	.	.	PUNCT
fsr-3918	86	1	common	common	ADJ
fsr-3918	86	2	factors	factor	NOUN
fsr-3918	86	3	include	include	VERB
fsr-3918	86	4	the	the	DET
fsr-3918	86	5	difference	difference	NOUN
fsr-3918	86	6	in	in	ADP
fsr-3918	86	7	expected	expected	ADJ
fsr-3918	86	8	return	return	NOUN
fsr-3918	86	9	between	between	ADP
fsr-3918	86	10	risky	risky	ADJ
fsr-3918	86	11	and	and	CCONJ
fsr-3918	86	12	risk	risk	NOUN
fsr-3918	86	13	-	-	PUNCT
fsr-3918	86	14	free	free	ADJ
fsr-3918	86	15	assets	asset	NOUN
fsr-3918	86	16	as	as	ADV
fsr-3918	86	17	well	well	ADV
fsr-3918	86	18	as	as	ADP
fsr-3918	86	19	variance	variance	NOUN
fsr-3918	86	20	of	of	ADP
fsr-3918	86	21	the	the	DET
fsr-3918	86	22	risky	risky	ADJ
fsr-3918	86	23	assets	asset	NOUN
fsr-3918	86	24	.	.	PUNCT
fsr-3918	87	1	life	life	NOUN
fsr-3918	87	2	cycle	cycle	NOUN
fsr-3918	87	3	concerns	concern	NOUN
fsr-3918	87	4	may	may	AUX
fsr-3918	87	5	cause	cause	VERB
fsr-3918	87	6	these	these	DET
fsr-3918	87	7	common	common	ADJ
fsr-3918	87	8	factors	factor	NOUN
fsr-3918	87	9	to	to	PART
fsr-3918	87	10	be	be	AUX
fsr-3918	87	11	perceived	perceive	VERB
fsr-3918	87	12	differently	differently	ADV
fsr-3918	87	13	by	by	ADP
fsr-3918	87	14	individuals	individual	NOUN
fsr-3918	87	15	.	.	PUNCT
fsr-3918	88	1	for	for	ADP
fsr-3918	88	2	example	example	NOUN
fsr-3918	88	3	,	,	PUNCT
fsr-3918	88	4	people	people	NOUN
fsr-3918	88	5	nearing	near	VERB
fsr-3918	88	6	death	death	NOUN
fsr-3918	88	7	may	may	AUX
fsr-3918	88	8	not	not	PART
fsr-3918	88	9	be	be	AUX
fsr-3918	88	10	concerned	concern	VERB
fsr-3918	88	11	by	by	ADP
fsr-3918	88	12	the	the	DET
fsr-3918	88	13	long	long	ADJ
fsr-3918	88	14	-	-	PUNCT
fsr-3918	88	15	term	term	NOUN
fsr-3918	88	16	expected	expect	VERB
fsr-3918	88	17	return	return	NOUN
fsr-3918	88	18	and	and	CCONJ
fsr-3918	88	19	variance	variance	NOUN
fsr-3918	88	20	of	of	ADP
fsr-3918	88	21	their	their	PRON
fsr-3918	88	22	portfolio	portfolio	NOUN
fsr-3918	88	23	,	,	PUNCT
fsr-3918	88	24	and	and	CCONJ
fsr-3918	88	25	may	may	AUX
fsr-3918	88	26	focus	focus	VERB
fsr-3918	88	27	only	only	ADV
fsr-3918	88	28	on	on	ADP
fsr-3918	88	29	the	the	DET
fsr-3918	88	30	next	next	ADJ
fsr-3918	88	31	few	few	ADJ
fsr-3918	88	32	years	year	NOUN
fsr-3918	88	33	.	.	PUNCT
fsr-3918	89	1	for	for	ADP
fsr-3918	89	2	this	this	DET
fsr-3918	89	3	reason	reason	NOUN
fsr-3918	89	4	,	,	PUNCT
fsr-3918	89	5	we	we	PRON
fsr-3918	89	6	specify	specify	VERB
fsr-3918	89	7	the	the	DET
fsr-3918	89	8	following	follow	VERB
fsr-3918	89	9	regression	regression	NOUN
fsr-3918	89	10	:	:	PUNCT
fsr-3918	90	1	162	162	NUM
fsr-3918	90	2	g.	g.	PROPN
fsr-3918	90	3	hariharan	hariharan	PROPN
fsr-3918	90	4	et	et	PROPN
fsr-3918	90	5	al	al	PROPN
fsr-3918	90	6	.	.	PUNCT
fsr-3918	90	7	/	/	SYM
fsr-3918	90	8	financial	financial	ADJ
fsr-3918	90	9	services	service	NOUN
fsr-3918	90	10	review	review	VERB
fsr-3918	90	11	9	9	NUM
fsr-3918	90	12	(	(	PUNCT
fsr-3918	90	13	2000	2000	NUM
fsr-3918	90	14	)	)	PUNCT
fsr-3918	90	15	159–170	159–170	NUM
fsr-3918	90	16	tbill1	tbill1	NOUN
fsr-3918	90	17	5	5	NUM
fsr-3918	90	18	b0	b0	NOUN
fsr-3918	90	19	1	1	NUM
fsr-3918	90	20	b1risk1	b1risk1	NOUN
fsr-3918	90	21	b2educ	b2educ	NOUN
fsr-3918	90	22	1	1	NUM
fsr-3918	90	23	o	o	NOUN
fsr-3918	90	24	i53	i53	PUNCT
fsr-3918	91	1	i	i	PRON
fsr-3918	91	2	bixi	bixi	VERB
fsr-3918	91	3	1	1	NUM
fsr-3918	91	4	e.	e.	PROPN
fsr-3918	91	5	(	(	PUNCT
fsr-3918	91	6	2	2	NUM
fsr-3918	91	7	)	)	PUNCT
fsr-3918	91	8	the	the	DET
fsr-3918	91	9	dependent	dependent	ADJ
fsr-3918	91	10	variable	variable	NOUN
fsr-3918	91	11	tbill1	tbill1	NOUN
fsr-3918	91	12	is	be	AUX
fsr-3918	91	13	the	the	DET
fsr-3918	91	14	proportion	proportion	NOUN
fsr-3918	91	15	of	of	ADP
fsr-3918	91	16	all	all	DET
fsr-3918	91	17	assets	asset	NOUN
fsr-3918	91	18	invested	invest	VERB
fsr-3918	91	19	in	in	ADP
fsr-3918	91	20	risk	risk	NOUN
fsr-3918	91	21	-	-	PUNCT
fsr-3918	91	22	free	free	ADJ
fsr-3918	91	23	securities	security	NOUN
fsr-3918	91	24	.	.	PUNCT
fsr-3918	92	1	further	further	ADJ
fsr-3918	92	2	details	detail	NOUN
fsr-3918	92	3	on	on	ADP
fsr-3918	92	4	this	this	DET
fsr-3918	92	5	variable	variable	NOUN
fsr-3918	92	6	are	be	AUX
fsr-3918	92	7	presented	present	VERB
fsr-3918	92	8	following	follow	VERB
fsr-3918	92	9	our	our	PRON
fsr-3918	92	10	discussion	discussion	NOUN
fsr-3918	92	11	of	of	ADP
fsr-3918	92	12	the	the	DET
fsr-3918	92	13	independent	independent	ADJ
fsr-3918	92	14	variables	variable	NOUN
fsr-3918	92	15	.	.	PUNCT
fsr-3918	93	1	means	mean	NOUN
fsr-3918	93	2	and	and	CCONJ
fsr-3918	93	3	standard	standard	ADJ
fsr-3918	93	4	deviations	deviation	NOUN
fsr-3918	93	5	of	of	ADP
fsr-3918	93	6	all	all	DET
fsr-3918	93	7	variables	variable	NOUN
fsr-3918	93	8	are	be	AUX
fsr-3918	93	9	shown	show	VERB
fsr-3918	93	10	in	in	ADP
fsr-3918	93	11	table	table	NOUN
fsr-3918	93	12	1	1	NUM
fsr-3918	93	13	.	.	PUNCT
fsr-3918	94	1	the	the	DET
fsr-3918	94	2	right	right	ADJ
fsr-3918	94	3	side	side	NOUN
fsr-3918	94	4	of	of	ADP
fsr-3918	94	5	eq	eq	PROPN
fsr-3918	94	6	.	.	PUNCT
fsr-3918	95	1	(	(	PUNCT
fsr-3918	95	2	2	2	X
fsr-3918	95	3	)	)	PUNCT
fsr-3918	95	4	includes	include	VERB
fsr-3918	95	5	risk	risk	NOUN
fsr-3918	95	6	,	,	PUNCT
fsr-3918	95	7	our	our	PRON
fsr-3918	95	8	risk	risk	NOUN
fsr-3918	95	9	tolerance	tolerance	NOUN
fsr-3918	95	10	variable	variable	NOUN
fsr-3918	95	11	,	,	PUNCT
fsr-3918	95	12	and	and	CCONJ
fsr-3918	95	13	educ	educ	VERB
fsr-3918	95	14	which	which	PRON
fsr-3918	95	15	crudely	crudely	ADV
fsr-3918	95	16	measures	measure	VERB
fsr-3918	95	17	human	human	ADJ
fsr-3918	95	18	capital	capital	NOUN
fsr-3918	95	19	accumulation	accumulation	NOUN
fsr-3918	95	20	as	as	ADP
fsr-3918	95	21	the	the	DET
fsr-3918	95	22	number	number	NOUN
fsr-3918	95	23	of	of	ADP
fsr-3918	95	24	years	year	NOUN
fsr-3918	95	25	of	of	ADP
fsr-3918	95	26	education	education	NOUN
fsr-3918	95	27	completed	complete	VERB
fsr-3918	95	28	by	by	ADP
fsr-3918	95	29	the	the	DET
fsr-3918	95	30	individual	individual	NOUN
fsr-3918	95	31	.	.	PUNCT
fsr-3918	96	1	through	through	ADP
fsr-3918	96	2	eq	eq	NOUN
fsr-3918	96	3	.	.	PUNCT
fsr-3918	97	1	(	(	PUNCT
fsr-3918	97	2	1	1	X
fsr-3918	97	3	)	)	PUNCT
fsr-3918	97	4	the	the	DET
fsr-3918	97	5	capm	capm	PROPN
fsr-3918	97	6	predictsb1	predictsb1	PROPN
fsr-3918	97	7	,	,	PUNCT
fsr-3918	97	8	0	0	NUM
fsr-3918	97	9	,	,	PUNCT
fsr-3918	97	10	andb2	andb2	NOUN
fsr-3918	97	11	,	,	PUNCT
fsr-3918	97	12	0	0	X
fsr-3918	97	13	.	.	PUNCT
fsr-3918	98	1	additional	additional	ADJ
fsr-3918	98	2	independent	independent	ADJ
fsr-3918	98	3	variables	variable	NOUN
fsr-3918	98	4	x3	x3	ADJ
fsr-3918	98	5	,	,	PUNCT
fsr-3918	98	6	.	.	PUNCT
fsr-3918	98	7	.	.	PUNCT
fsr-3918	99	1	.	.	PUNCT
fsr-3918	100	1	,	,	PUNCT
fsr-3918	100	2	xi	xi	PROPN
fsr-3918	100	3	are	be	AUX
fsr-3918	100	4	described	describe	VERB
fsr-3918	100	5	below	below	ADV
fsr-3918	100	6	.	.	PUNCT
fsr-3918	101	1	strictly	strictly	ADV
fsr-3918	101	2	speaking	speak	VERB
fsr-3918	101	3	,	,	PUNCT
fsr-3918	101	4	eq	eq	ADJ
fsr-3918	101	5	.	.	PUNCT
fsr-3918	102	1	(	(	PUNCT
fsr-3918	102	2	1	1	X
fsr-3918	102	3	)	)	PUNCT
fsr-3918	102	4	predicts	predict	VERB
fsr-3918	102	5	that	that	SCONJ
fsr-3918	102	6	b3	b3	NOUN
fsr-3918	102	7	,	,	PUNCT
fsr-3918	102	8	.	.	PUNCT
fsr-3918	102	9	.	.	PUNCT
fsr-3918	103	1	.	.	PUNCT
fsr-3918	104	1	,	,	PUNCT
fsr-3918	104	2	bi	bi	NOUN
fsr-3918	104	3	are	be	AUX
fsr-3918	104	4	all	all	PRON
fsr-3918	104	5	zero	zero	NUM
fsr-3918	104	6	.	.	PUNCT
fsr-3918	105	1	we	we	PRON
fsr-3918	105	2	have	have	AUX
fsr-3918	105	3	included	include	VERB
fsr-3918	105	4	these	these	DET
fsr-3918	105	5	variables	variable	NOUN
fsr-3918	105	6	to	to	PART
fsr-3918	105	7	control	control	VERB
fsr-3918	105	8	for	for	ADP
fsr-3918	105	9	idiosyncratic	idiosyncratic	ADJ
fsr-3918	105	10	beliefs	belief	NOUN
fsr-3918	105	11	and	and	CCONJ
fsr-3918	105	12	lifecycle	lifecycle	NOUN
fsr-3918	105	13	considerations	consideration	NOUN
fsr-3918	105	14	that	that	PRON
fsr-3918	105	15	might	might	AUX
fsr-3918	105	16	cause	cause	VERB
fsr-3918	105	17	people	people	NOUN
fsr-3918	105	18	to	to	PART
fsr-3918	105	19	have	have	VERB
fsr-3918	105	20	different	different	ADJ
fsr-3918	105	21	perceptions	perception	NOUN
fsr-3918	105	22	of	of	ADP
fsr-3918	105	23	e	e	NOUN
fsr-3918	105	24	~	~	PROPN
fsr-3918	105	25	rm	rm	NOUN
fsr-3918	105	26	2	2	NUM
fsr-3918	105	27	rf	rf	NOUN
fsr-3918	105	28	!	!	NOUN
fsr-3918	106	1	sm	sm	PROPN
fsr-3918	106	2	2	2	NUM
fsr-3918	106	3	.	.	PUNCT
fsr-3918	107	1	variables	variable	NOUN
fsr-3918	107	2	focusing	focus	VERB
fsr-3918	107	3	on	on	ADP
fsr-3918	107	4	the	the	DET
fsr-3918	107	5	individual	individual	NOUN
fsr-3918	107	6	’s	’s	PART
fsr-3918	107	7	expectations	expectation	NOUN
fsr-3918	107	8	are	be	AUX
fsr-3918	107	9	intended	intend	VERB
fsr-3918	107	10	to	to	PART
fsr-3918	107	11	identify	identify	VERB
fsr-3918	107	12	reasons	reason	NOUN
fsr-3918	107	13	why	why	SCONJ
fsr-3918	107	14	individuals	individual	NOUN
fsr-3918	107	15	might	might	AUX
fsr-3918	107	16	differ	differ	VERB
fsr-3918	107	17	in	in	ADP
fsr-3918	107	18	their	their	PRON
fsr-3918	107	19	personal	personal	ADJ
fsr-3918	107	20	assessment	assessment	NOUN
fsr-3918	107	21	of	of	ADP
fsr-3918	107	22	the	the	DET
fsr-3918	107	23	risk	risk	NOUN
fsr-3918	107	24	-	-	PUNCT
fsr-3918	107	25	return	return	NOUN
fsr-3918	107	26	tradeoff	tradeoff	NOUN
fsr-3918	107	27	among	among	ADP
fsr-3918	107	28	stocks	stock	NOUN
fsr-3918	107	29	,	,	PUNCT
fsr-3918	107	30	bonds	bond	NOUN
fsr-3918	107	31	and	and	CCONJ
fsr-3918	107	32	t	t	NOUN
fsr-3918	107	33	-	-	PUNCT
fsr-3918	107	34	bills	bill	NOUN
fsr-3918	107	35	.	.	PUNCT
fsr-3918	108	1	exinfl	exinfl	NOUN
fsr-3918	108	2	contains	contain	VERB
fsr-3918	108	3	an	an	DET
fsr-3918	108	4	individual	individual	NOUN
fsr-3918	108	5	’s	’s	PART
fsr-3918	108	6	assessment	assessment	NOUN
fsr-3918	108	7	of	of	ADP
fsr-3918	108	8	the	the	DET
fsr-3918	108	9	probability	probability	NOUN
fsr-3918	108	10	that	that	SCONJ
fsr-3918	108	11	the	the	DET
fsr-3918	108	12	table	table	NOUN
fsr-3918	108	13	1	1	NUM
fsr-3918	108	14	variable	variable	ADJ
fsr-3918	108	15	definitions	definition	NOUN
fsr-3918	108	16	,	,	PUNCT
fsr-3918	108	17	means	mean	NOUN
fsr-3918	108	18	,	,	PUNCT
fsr-3918	108	19	and	and	CCONJ
fsr-3918	108	20	standard	standard	ADJ
fsr-3918	108	21	deviations	deviation	NOUN
fsr-3918	108	22	variable	variable	ADJ
fsr-3918	108	23	name	name	NOUN
fsr-3918	108	24	variable	variable	ADJ
fsr-3918	108	25	definition	definition	NOUN
fsr-3918	108	26	mean	mean	VERB
fsr-3918	108	27	standard	standard	ADJ
fsr-3918	108	28	deviation	deviation	NOUN
fsr-3918	108	29	exinfl	exinfl	NOUN
fsr-3918	108	30	perceived	perceive	VERB
fsr-3918	108	31	probability	probability	NOUN
fsr-3918	108	32	of	of	ADP
fsr-3918	108	33	double	double	ADJ
fsr-3918	108	34	-	-	PUNCT
fsr-3918	108	35	digit	digit	NOUN
fsr-3918	108	36	inflation	inflation	NOUN
fsr-3918	108	37	during	during	ADP
fsr-3918	108	38	the	the	DET
fsr-3918	108	39	next	next	ADJ
fsr-3918	108	40	ten	ten	NUM
fsr-3918	108	41	years	year	NOUN
fsr-3918	108	42	5.644	5.644	NUM
fsr-3918	108	43	2.303	2.303	NUM
fsr-3918	108	44	exdepr	exdepr	NOUN
fsr-3918	108	45	perceived	perceive	VERB
fsr-3918	108	46	probability	probability	NOUN
fsr-3918	108	47	of	of	ADP
fsr-3918	108	48	a	a	DET
fsr-3918	108	49	major	major	ADJ
fsr-3918	108	50	depression	depression	NOUN
fsr-3918	108	51	during	during	ADP
fsr-3918	108	52	the	the	DET
fsr-3918	108	53	next	next	ADJ
fsr-3918	108	54	ten	ten	NUM
fsr-3918	108	55	years	year	NOUN
fsr-3918	108	56	5.185	5.185	NUM
fsr-3918	108	57	2.477	2.477	NUM
fsr-3918	108	58	age	age	NOUN
fsr-3918	108	59	respondent	respondent	NOUN
fsr-3918	108	60	’s	’s	PART
fsr-3918	108	61	age	age	NOUN
fsr-3918	108	62	55.903	55.903	NUM
fsr-3918	108	63	3.138	3.138	NUM
fsr-3918	108	64	male	male	ADJ
fsr-3918	108	65	dummy	dummy	ADJ
fsr-3918	108	66	variable	variable	NOUN
fsr-3918	108	67	,	,	PUNCT
fsr-3918	108	68	equals	equal	VERB
fsr-3918	108	69	one	one	NUM
fsr-3918	108	70	if	if	SCONJ
fsr-3918	108	71	respondent	respondent	NOUN
fsr-3918	108	72	is	be	AUX
fsr-3918	108	73	male	male	ADJ
fsr-3918	108	74	0.662	0.662	NUM
fsr-3918	108	75	0.473	0.473	NUM
fsr-3918	108	76	educ	educ	ADJ
fsr-3918	108	77	years	year	NOUN
fsr-3918	108	78	of	of	ADP
fsr-3918	108	79	education	education	NOUN
fsr-3918	108	80	completed	complete	VERB
fsr-3918	108	81	13.367	13.367	NUM
fsr-3918	108	82	2.386	2.386	NUM
fsr-3918	108	83	risk	risk	NOUN
fsr-3918	108	84	index	index	NOUN
fsr-3918	108	85	of	of	ADP
fsr-3918	108	86	risk	risk	NOUN
fsr-3918	108	87	tolerance	tolerance	NOUN
fsr-3918	108	88	with	with	ADP
fsr-3918	108	89	four	four	NUM
fsr-3918	108	90	values	value	NOUN
fsr-3918	108	91	that	that	PRON
fsr-3918	108	92	range	range	VERB
fsr-3918	108	93	from	from	ADP
fsr-3918	108	94	zero	zero	NUM
fsr-3918	108	95	(	(	PUNCT
fsr-3918	108	96	least	least	ADJ
fsr-3918	108	97	risk	risk	NOUN
fsr-3918	108	98	-	-	PUNCT
fsr-3918	108	99	tolerant	tolerant	ADJ
fsr-3918	108	100	)	)	PUNCT
fsr-3918	108	101	to	to	ADP
fsr-3918	108	102	three	three	NUM
fsr-3918	108	103	(	(	PUNCT
fsr-3918	108	104	most	most	ADJ
fsr-3918	108	105	risk	risk	NOUN
fsr-3918	108	106	-	-	PUNCT
fsr-3918	108	107	tolerant	tolerant	ADJ
fsr-3918	108	108	)	)	PUNCT
fsr-3918	108	109	.711	.711	NUM
fsr-3918	109	1	1.071	1.071	NUM
fsr-3918	109	2	plan10	plan10	NOUN
fsr-3918	109	3	dummy	dummy	ADJ
fsr-3918	109	4	variable	variable	NOUN
fsr-3918	110	1	,	,	PUNCT
fsr-3918	110	2	equals	equal	VERB
fsr-3918	110	3	one	one	NUM
fsr-3918	110	4	if	if	SCONJ
fsr-3918	110	5	the	the	DET
fsr-3918	110	6	planning	planning	NOUN
fsr-3918	110	7	period	period	NOUN
fsr-3918	110	8	for	for	ADP
fsr-3918	110	9	spending	spending	NOUN
fsr-3918	110	10	and	and	CCONJ
fsr-3918	110	11	saving	saving	NOUN
fsr-3918	110	12	decisions	decision	NOUN
fsr-3918	110	13	is	be	AUX
fsr-3918	110	14	ten	ten	NUM
fsr-3918	110	15	years	year	NOUN
fsr-3918	110	16	or	or	CCONJ
fsr-3918	110	17	more	more	ADJ
fsr-3918	110	18	0.106	0.106	NUM
fsr-3918	110	19	0.308	0.308	NUM
fsr-3918	110	20	nopldat	nopldat	ADJ
fsr-3918	110	21	dummy	dummy	ADJ
fsr-3918	110	22	variable	variable	NOUN
fsr-3918	110	23	,	,	PUNCT
fsr-3918	110	24	equals	equal	VERB
fsr-3918	110	25	one	one	NUM
fsr-3918	110	26	if	if	SCONJ
fsr-3918	110	27	respondent	respondent	NOUN
fsr-3918	110	28	did	do	AUX
fsr-3918	110	29	not	not	PART
fsr-3918	110	30	answer	answer	VERB
fsr-3918	110	31	the	the	DET
fsr-3918	110	32	planning	planning	NOUN
fsr-3918	110	33	question	question	NOUN
fsr-3918	110	34	0.009	0.009	NUM
fsr-3918	110	35	0.092	0.092	NUM
fsr-3918	110	36	married	married	ADJ
fsr-3918	110	37	dummy	dummy	ADJ
fsr-3918	110	38	variable	variable	NOUN
fsr-3918	110	39	,	,	PUNCT
fsr-3918	110	40	equals	equal	VERB
fsr-3918	110	41	one	one	NUM
fsr-3918	110	42	if	if	SCONJ
fsr-3918	110	43	respondent	respondent	NOUN
fsr-3918	110	44	is	be	AUX
fsr-3918	110	45	married	marry	VERB
fsr-3918	110	46	0.829	0.829	NUM
fsr-3918	110	47	0.376	0.376	NUM
fsr-3918	110	48	inherit	inherit	NOUN
fsr-3918	110	49	expectation	expectation	NOUN
fsr-3918	110	50	of	of	ADP
fsr-3918	110	51	leaving	leave	VERB
fsr-3918	110	52	a	a	DET
fsr-3918	110	53	sizable	sizable	ADJ
fsr-3918	110	54	inheritance	inheritance	NOUN
fsr-3918	110	55	to	to	PART
fsr-3918	110	56	respondent	respondent	VERB
fsr-3918	110	57	’s	’s	PART
fsr-3918	110	58	heirs	heir	NOUN
fsr-3918	110	59	,	,	PUNCT
fsr-3918	110	60	five	five	NUM
fsr-3918	110	61	values	value	NOUN
fsr-3918	110	62	ranging	range	VERB
fsr-3918	110	63	from	from	ADP
fsr-3918	110	64	one	one	NUM
fsr-3918	110	65	(	(	PUNCT
fsr-3918	110	66	“	"	PUNCT
fsr-3918	110	67	yes	yes	INTJ
fsr-3918	110	68	,	,	PUNCT
fsr-3918	110	69	definitely	definitely	ADV
fsr-3918	110	70	”	"	PUNCT
fsr-3918	110	71	)	)	PUNCT
fsr-3918	110	72	to	to	ADP
fsr-3918	110	73	five	five	NUM
fsr-3918	110	74	(	(	PUNCT
fsr-3918	110	75	“	"	PUNCT
fsr-3918	110	76	no	no	INTJ
fsr-3918	110	77	,	,	PUNCT
fsr-3918	110	78	definitely	definitely	ADV
fsr-3918	110	79	”	"	PUNCT
fsr-3918	110	80	)	)	PUNCT
fsr-3918	110	81	3.102	3.102	NUM
fsr-3918	110	82	1.402	1.402	NUM
fsr-3918	110	83	noinhdat	noinhdat	NOUN
fsr-3918	110	84	dummy	dummy	ADJ
fsr-3918	110	85	variable	variable	NOUN
fsr-3918	110	86	,	,	PUNCT
fsr-3918	110	87	equals	equal	VERB
fsr-3918	110	88	one	one	NUM
fsr-3918	110	89	if	if	SCONJ
fsr-3918	110	90	respondent	respondent	NOUN
fsr-3918	110	91	did	do	AUX
fsr-3918	110	92	not	not	PART
fsr-3918	110	93	answer	answer	VERB
fsr-3918	110	94	the	the	DET
fsr-3918	110	95	inheritance	inheritance	NOUN
fsr-3918	110	96	question	question	NOUN
fsr-3918	110	97	0.007	0.007	NUM
fsr-3918	110	98	0.086	0.086	NUM
fsr-3918	110	99	networth	networth	NOUN
fsr-3918	110	100	total	total	ADJ
fsr-3918	110	101	household	household	NOUN
fsr-3918	110	102	net	net	NOUN
fsr-3918	110	103	worth	worth	NOUN
fsr-3918	110	104	including	include	VERB
fsr-3918	110	105	financial	financial	ADJ
fsr-3918	110	106	assets	asset	NOUN
fsr-3918	110	107	and	and	CCONJ
fsr-3918	110	108	home	home	NOUN
fsr-3918	110	109	equity	equity	NOUN
fsr-3918	110	110	333998.1	333998.1	NUM
fsr-3918	110	111	618652.2	618652.2	NUM
fsr-3918	110	112	tbill1	tbill1	NOUN
fsr-3918	110	113	proportion	proportion	NOUN
fsr-3918	110	114	of	of	ADP
fsr-3918	110	115	financial	financial	ADJ
fsr-3918	110	116	assets	asset	NOUN
fsr-3918	110	117	invested	invest	VERB
fsr-3918	110	118	in	in	ADP
fsr-3918	110	119	risk	risk	NOUN
fsr-3918	110	120	-	-	PUNCT
fsr-3918	110	121	free	free	ADJ
fsr-3918	110	122	securities	security	NOUN
fsr-3918	110	123	0.424	0.424	NUM
fsr-3918	110	124	0.452	0.452	NUM
fsr-3918	110	125	stock1	stock1	NOUN
fsr-3918	110	126	proportion	proportion	NOUN
fsr-3918	110	127	of	of	ADP
fsr-3918	110	128	financial	financial	ADJ
fsr-3918	110	129	assets	asset	NOUN
fsr-3918	110	130	invested	invest	VERB
fsr-3918	110	131	in	in	ADP
fsr-3918	110	132	stock	stock	NOUN
fsr-3918	110	133	0.522	0.522	NUM
fsr-3918	110	134	0.446	0.446	NUM
fsr-3918	110	135	bond1	bond1	NOUN
fsr-3918	110	136	proportion	proportion	NOUN
fsr-3918	110	137	of	of	ADP
fsr-3918	110	138	financial	financial	ADJ
fsr-3918	110	139	assets	asset	NOUN
fsr-3918	110	140	invested	invest	VERB
fsr-3918	110	141	in	in	ADP
fsr-3918	110	142	bonds	bond	NOUN
fsr-3918	110	143	0.054	0.054	NUM
fsr-3918	110	144	0.181	0.181	NUM
fsr-3918	110	145	bond2	bond2	NOUN
fsr-3918	110	146	proportion	proportion	NOUN
fsr-3918	110	147	of	of	ADP
fsr-3918	110	148	risky	risky	ADJ
fsr-3918	110	149	assets	asset	NOUN
fsr-3918	110	150	invested	invest	VERB
fsr-3918	110	151	in	in	ADP
fsr-3918	110	152	bonds	bond	NOUN
fsr-3918	110	153	0.093	0.093	NUM
fsr-3918	110	154	0.242	0.242	NUM
fsr-3918	110	155	163	163	NUM
fsr-3918	110	156	g.	g.	NOUN
fsr-3918	110	157	hariharan	hariharan	PROPN
fsr-3918	110	158	et	et	PROPN
fsr-3918	110	159	al	al	PROPN
fsr-3918	110	160	.	.	PUNCT
fsr-3918	110	161	/	/	SYM
fsr-3918	110	162	financial	financial	ADJ
fsr-3918	110	163	services	service	NOUN
fsr-3918	110	164	review	review	VERB
fsr-3918	110	165	9	9	NUM
fsr-3918	110	166	(	(	PUNCT
fsr-3918	110	167	2000	2000	NUM
fsr-3918	110	168	)	)	PUNCT
fsr-3918	111	1	159–170	159–170	NUM
fsr-3918	111	2	u.s	u.s	PROPN
fsr-3918	111	3	.	.	PROPN
fsr-3918	111	4	economy	economy	NOUN
fsr-3918	111	5	will	will	AUX
fsr-3918	111	6	experience	experience	VERB
fsr-3918	111	7	double	double	ADJ
fsr-3918	111	8	-	-	PUNCT
fsr-3918	111	9	digit	digit	NOUN
fsr-3918	111	10	inflation	inflation	NOUN
fsr-3918	111	11	sometime	sometime	ADV
fsr-3918	111	12	during	during	ADP
fsr-3918	111	13	the	the	DET
fsr-3918	111	14	next	next	ADJ
fsr-3918	111	15	10	10	NUM
fsr-3918	111	16	years	year	NOUN
fsr-3918	111	17	.	.	PUNCT
fsr-3918	112	1	while	while	SCONJ
fsr-3918	112	2	nominal	nominal	ADJ
fsr-3918	112	3	interest	interest	NOUN
fsr-3918	112	4	rates	rate	NOUN
fsr-3918	112	5	are	be	AUX
fsr-3918	112	6	likely	likely	ADJ
fsr-3918	112	7	to	to	PART
fsr-3918	112	8	be	be	AUX
fsr-3918	112	9	higher	high	ADJ
fsr-3918	112	10	when	when	SCONJ
fsr-3918	112	11	average	average	ADJ
fsr-3918	112	12	economy	economy	NOUN
fsr-3918	112	13	-	-	PUNCT
fsr-3918	112	14	wide	wide	ADJ
fsr-3918	112	15	expectations	expectation	NOUN
fsr-3918	112	16	of	of	ADP
fsr-3918	112	17	inflation	inflation	NOUN
fsr-3918	112	18	are	be	AUX
fsr-3918	112	19	higher	high	ADJ
fsr-3918	112	20	,	,	PUNCT
fsr-3918	112	21	an	an	DET
fsr-3918	112	22	individual	individual	NOUN
fsr-3918	112	23	whose	whose	DET
fsr-3918	112	24	expectations	expectation	NOUN
fsr-3918	112	25	of	of	ADP
fsr-3918	112	26	inflation	inflation	NOUN
fsr-3918	112	27	are	be	AUX
fsr-3918	112	28	unusually	unusually	ADV
fsr-3918	112	29	high	high	ADJ
fsr-3918	112	30	may	may	AUX
fsr-3918	112	31	be	be	AUX
fsr-3918	112	32	inclined	incline	VERB
fsr-3918	112	33	to	to	PART
fsr-3918	112	34	avoid	avoid	VERB
fsr-3918	112	35	the	the	DET
fsr-3918	112	36	fixed	fix	VERB
fsr-3918	112	37	nominal	nominal	ADJ
fsr-3918	112	38	returns	return	NOUN
fsr-3918	112	39	of	of	ADP
fsr-3918	112	40	bonds	bond	NOUN
fsr-3918	112	41	.	.	PUNCT
fsr-3918	113	1	exdepr	exdepr	PROPN
fsr-3918	113	2	is	be	AUX
fsr-3918	113	3	the	the	DET
fsr-3918	113	4	individual	individual	NOUN
fsr-3918	113	5	’s	’s	PART
fsr-3918	113	6	assessment	assessment	NOUN
fsr-3918	113	7	of	of	ADP
fsr-3918	113	8	the	the	DET
fsr-3918	113	9	chances	chance	NOUN
fsr-3918	113	10	that	that	SCONJ
fsr-3918	113	11	the	the	DET
fsr-3918	113	12	u.s	u.s	PROPN
fsr-3918	113	13	.	.	PROPN
fsr-3918	113	14	economy	economy	NOUN
fsr-3918	113	15	will	will	AUX
fsr-3918	113	16	experience	experience	VERB
fsr-3918	113	17	a	a	DET
fsr-3918	113	18	major	major	ADJ
fsr-3918	113	19	depression	depression	NOUN
fsr-3918	113	20	during	during	ADP
fsr-3918	113	21	the	the	DET
fsr-3918	113	22	next	next	ADJ
fsr-3918	113	23	ten	ten	NUM
fsr-3918	113	24	years	year	NOUN
fsr-3918	113	25	.	.	PUNCT
fsr-3918	114	1	presumably	presumably	ADV
fsr-3918	114	2	those	those	PRON
fsr-3918	114	3	that	that	PRON
fsr-3918	114	4	think	think	VERB
fsr-3918	114	5	a	a	DET
fsr-3918	114	6	depression	depression	NOUN
fsr-3918	114	7	is	be	AUX
fsr-3918	114	8	likely	likely	ADJ
fsr-3918	114	9	will	will	AUX
fsr-3918	114	10	be	be	AUX
fsr-3918	114	11	less	less	ADV
fsr-3918	114	12	interested	interested	ADJ
fsr-3918	114	13	in	in	ADP
fsr-3918	114	14	stocks	stock	NOUN
fsr-3918	114	15	and	and	CCONJ
fsr-3918	114	16	more	more	ADJ
fsr-3918	114	17	in	in	ADP
fsr-3918	114	18	fixed	fixed	ADJ
fsr-3918	114	19	nominal	nominal	ADJ
fsr-3918	114	20	assets	asset	NOUN
fsr-3918	114	21	.	.	PUNCT
fsr-3918	115	1	in	in	ADP
fsr-3918	115	2	many	many	ADJ
fsr-3918	115	3	of	of	ADP
fsr-3918	115	4	the	the	DET
fsr-3918	115	5	studies	study	NOUN
fsr-3918	115	6	(	(	PUNCT
fsr-3918	115	7	for	for	ADP
fsr-3918	115	8	instance	instance	NOUN
fsr-3918	115	9	,	,	PUNCT
fsr-3918	115	10	riley	riley	NOUN
fsr-3918	115	11	and	and	CCONJ
fsr-3918	115	12	chow	chow	PROPN
fsr-3918	115	13	,	,	PUNCT
fsr-3918	115	14	1992	1992	NUM
fsr-3918	115	15	)	)	PUNCT
fsr-3918	115	16	,	,	PUNCT
fsr-3918	115	17	wealth	wealth	NOUN
fsr-3918	115	18	has	have	AUX
fsr-3918	115	19	been	be	AUX
fsr-3918	115	20	argued	argue	VERB
fsr-3918	115	21	to	to	PART
fsr-3918	115	22	be	be	AUX
fsr-3918	115	23	an	an	DET
fsr-3918	115	24	important	important	ADJ
fsr-3918	115	25	determinant	determinant	NOUN
fsr-3918	115	26	of	of	ADP
fsr-3918	115	27	risk	risk	NOUN
fsr-3918	115	28	aversion	aversion	NOUN
fsr-3918	115	29	and	and	CCONJ
fsr-3918	115	30	asset	asset	NOUN
fsr-3918	115	31	allocation	allocation	NOUN
fsr-3918	115	32	.	.	PUNCT
fsr-3918	116	1	our	our	PRON
fsr-3918	116	2	measure	measure	NOUN
fsr-3918	116	3	of	of	ADP
fsr-3918	116	4	wealth	wealth	NOUN
fsr-3918	116	5	is	be	AUX
fsr-3918	116	6	networth	networth	NOUN
fsr-3918	116	7	,	,	PUNCT
fsr-3918	116	8	which	which	PRON
fsr-3918	116	9	is	be	AUX
fsr-3918	116	10	the	the	DET
fsr-3918	116	11	sum	sum	NOUN
fsr-3918	116	12	of	of	ADP
fsr-3918	116	13	the	the	DET
fsr-3918	116	14	value	value	NOUN
fsr-3918	116	15	of	of	ADP
fsr-3918	116	16	housing	housing	NOUN
fsr-3918	116	17	paid	pay	VERB
fsr-3918	116	18	for	for	ADP
fsr-3918	116	19	,	,	PUNCT
fsr-3918	116	20	other	other	ADJ
fsr-3918	116	21	real	real	ADJ
fsr-3918	116	22	estate	estate	NOUN
fsr-3918	116	23	holdings	holding	NOUN
fsr-3918	116	24	paid	pay	VERB
fsr-3918	116	25	for	for	ADP
fsr-3918	116	26	,	,	PUNCT
fsr-3918	116	27	value	value	NOUN
fsr-3918	116	28	of	of	ADP
fsr-3918	116	29	automobile	automobile	NOUN
fsr-3918	116	30	paid	pay	VERB
fsr-3918	116	31	for	for	ADP
fsr-3918	116	32	,	,	PUNCT
fsr-3918	116	33	value	value	NOUN
fsr-3918	116	34	of	of	ADP
fsr-3918	116	35	business(es	business(es	NOUN
fsr-3918	116	36	)	)	PUNCT
fsr-3918	116	37	owned	own	VERB
fsr-3918	116	38	,	,	PUNCT
fsr-3918	116	39	amount	amount	NOUN
fsr-3918	116	40	in	in	ADP
fsr-3918	116	41	individual	individual	ADJ
fsr-3918	116	42	retirement	retirement	NOUN
fsr-3918	116	43	accounts	account	NOUN
fsr-3918	116	44	,	,	PUNCT
fsr-3918	116	45	amount	amount	NOUN
fsr-3918	116	46	in	in	ADP
fsr-3918	116	47	savings	saving	NOUN
fsr-3918	116	48	and	and	CCONJ
fsr-3918	116	49	other	other	ADJ
fsr-3918	116	50	financial	financial	ADJ
fsr-3918	116	51	securities	security	NOUN
fsr-3918	116	52	,	,	PUNCT
fsr-3918	116	53	and	and	CCONJ
fsr-3918	116	54	net	net	NOUN
fsr-3918	116	55	of	of	ADP
fsr-3918	116	56	any	any	DET
fsr-3918	116	57	debts	debt	NOUN
fsr-3918	116	58	owed	owe	VERB
fsr-3918	116	59	.	.	PUNCT
fsr-3918	117	1	plan10	plan10	PROPN
fsr-3918	117	2	is	be	AUX
fsr-3918	117	3	a	a	DET
fsr-3918	117	4	dummy	dummy	ADJ
fsr-3918	117	5	variable	variable	NOUN
fsr-3918	117	6	identifying	identify	VERB
fsr-3918	117	7	households	household	NOUN
fsr-3918	117	8	who	who	PRON
fsr-3918	117	9	believe	believe	VERB
fsr-3918	117	10	that	that	SCONJ
fsr-3918	117	11	the	the	DET
fsr-3918	117	12	most	most	ADV
fsr-3918	117	13	relevant	relevant	ADJ
fsr-3918	117	14	planning	planning	NOUN
fsr-3918	117	15	period	period	NOUN
fsr-3918	117	16	for	for	ADP
fsr-3918	117	17	spending	spending	NOUN
fsr-3918	117	18	and	and	CCONJ
fsr-3918	117	19	saving	saving	NOUN
fsr-3918	117	20	decisions	decision	NOUN
fsr-3918	117	21	is	be	AUX
fsr-3918	117	22	10	10	NUM
fsr-3918	117	23	years	year	NOUN
fsr-3918	117	24	or	or	CCONJ
fsr-3918	117	25	more	more	ADJ
fsr-3918	117	26	.	.	PUNCT
fsr-3918	118	1	according	accord	VERB
fsr-3918	118	2	to	to	ADP
fsr-3918	118	3	butler	butler	NOUN
fsr-3918	118	4	and	and	CCONJ
fsr-3918	118	5	domian	domian	NOUN
fsr-3918	118	6	(	(	PUNCT
fsr-3918	118	7	1993	1993	NUM
fsr-3918	118	8	)	)	PUNCT
fsr-3918	118	9	and	and	CCONJ
fsr-3918	118	10	gunthorpe	gunthorpe	NOUN
fsr-3918	118	11	and	and	CCONJ
fsr-3918	118	12	levy	levy	NOUN
fsr-3918	118	13	(	(	PUNCT
fsr-3918	118	14	1994	1994	NUM
fsr-3918	118	15	)	)	PUNCT
fsr-3918	118	16	,	,	PUNCT
fsr-3918	118	17	households	household	NOUN
fsr-3918	118	18	with	with	ADP
fsr-3918	118	19	long	long	ADJ
fsr-3918	118	20	planning	planning	NOUN
fsr-3918	118	21	horizons	horizon	NOUN
fsr-3918	118	22	should	should	AUX
fsr-3918	118	23	use	use	VERB
fsr-3918	118	24	greater	great	ADJ
fsr-3918	118	25	stock	stock	NOUN
fsr-3918	118	26	allocations	allocation	NOUN
fsr-3918	118	27	.	.	PUNCT
fsr-3918	119	1	since	since	SCONJ
fsr-3918	119	2	many	many	ADJ
fsr-3918	119	3	households	household	NOUN
fsr-3918	119	4	did	do	AUX
fsr-3918	119	5	n’t	not	PART
fsr-3918	119	6	answer	answer	VERB
fsr-3918	119	7	the	the	DET
fsr-3918	119	8	planning	planning	NOUN
fsr-3918	119	9	question	question	NOUN
fsr-3918	119	10	,	,	PUNCT
fsr-3918	119	11	we	we	PRON
fsr-3918	119	12	have	have	AUX
fsr-3918	119	13	also	also	ADV
fsr-3918	119	14	included	include	VERB
fsr-3918	119	15	a	a	DET
fsr-3918	119	16	dummy	dummy	ADJ
fsr-3918	119	17	variable	variable	NOUN
fsr-3918	119	18	called	call	VERB
fsr-3918	119	19	nopldat	nopldat	PROPN
fsr-3918	119	20	which	which	PRON
fsr-3918	119	21	identifies	identify	VERB
fsr-3918	119	22	them	they	PRON
fsr-3918	119	23	.	.	PUNCT
fsr-3918	120	1	inherit	inherit	PROPN
fsr-3918	120	2	identifies	identify	VERB
fsr-3918	120	3	households	household	NOUN
fsr-3918	120	4	that	that	PRON
fsr-3918	120	5	plan	plan	VERB
fsr-3918	120	6	to	to	PART
fsr-3918	120	7	leave	leave	VERB
fsr-3918	120	8	an	an	DET
fsr-3918	120	9	inheritance	inheritance	NOUN
fsr-3918	120	10	,	,	PUNCT
fsr-3918	120	11	using	use	VERB
fsr-3918	120	12	the	the	DET
fsr-3918	120	13	following	follow	VERB
fsr-3918	120	14	survey	survey	NOUN
fsr-3918	120	15	question	question	NOUN
fsr-3918	120	16	,	,	PUNCT
fsr-3918	120	17	“	"	PUNCT
fsr-3918	120	18	do	do	AUX
fsr-3918	120	19	you	you	PRON
fsr-3918	120	20	[	[	X
fsr-3918	120	21	and	and	CCONJ
fsr-3918	120	22	your	your	PRON
fsr-3918	120	23	(	(	PUNCT
fsr-3918	120	24	husband	husband	NOUN
fsr-3918	120	25	/	/	SYM
fsr-3918	120	26	wife	wife	NOUN
fsr-3918	120	27	/	/	SYM
fsr-3918	120	28	partner	partner	NOUN
fsr-3918	120	29	)	)	PUNCT
fsr-3918	120	30	]	]	PUNCT
fsr-3918	120	31	expect	expect	VERB
fsr-3918	120	32	to	to	PART
fsr-3918	120	33	leave	leave	VERB
fsr-3918	120	34	a	a	DET
fsr-3918	120	35	sizable	sizable	ADJ
fsr-3918	120	36	inheritance	inheritance	NOUN
fsr-3918	120	37	to	to	ADP
fsr-3918	120	38	your	your	PRON
fsr-3918	120	39	heirs	heir	NOUN
fsr-3918	120	40	?	?	PUNCT
fsr-3918	121	1	1	1	X
fsr-3918	121	2	.	.	X
fsr-3918	122	1	yes	yes	INTJ
fsr-3918	122	2	,	,	PUNCT
fsr-3918	122	3	definitely	definitely	ADV
fsr-3918	122	4	,	,	PUNCT
fsr-3918	122	5	2	2	X
fsr-3918	122	6	.	.	PUNCT
fsr-3918	123	1	yes	yes	INTJ
fsr-3918	123	2	,	,	PUNCT
fsr-3918	123	3	probably	probably	ADV
fsr-3918	123	4	,	,	PUNCT
fsr-3918	123	5	3	3	X
fsr-3918	123	6	.	.	PUNCT
fsr-3918	124	1	yes	yes	INTJ
fsr-3918	124	2	,	,	PUNCT
fsr-3918	124	3	possibly	possibly	ADV
fsr-3918	124	4	,	,	PUNCT
fsr-3918	124	5	4	4	X
fsr-3918	124	6	.	.	X
fsr-3918	124	7	probably	probably	ADV
fsr-3918	124	8	not	not	PART
fsr-3918	124	9	,	,	PUNCT
fsr-3918	124	10	5	5	X
fsr-3918	124	11	.	.	X
fsr-3918	125	1	no	no	INTJ
fsr-3918	125	2	,	,	PUNCT
fsr-3918	125	3	definitely	definitely	ADV
fsr-3918	125	4	.	.	PUNCT
fsr-3918	125	5	”	"	PUNCT
fsr-3918	125	6	inherit	inherit	NOUN
fsr-3918	125	7	is	be	AUX
fsr-3918	125	8	important	important	ADJ
fsr-3918	125	9	because	because	SCONJ
fsr-3918	125	10	our	our	PRON
fsr-3918	125	11	data	datum	NOUN
fsr-3918	125	12	focuses	focus	VERB
fsr-3918	125	13	on	on	ADP
fsr-3918	125	14	people	people	NOUN
fsr-3918	125	15	shortly	shortly	ADV
fsr-3918	125	16	before	before	ADP
fsr-3918	125	17	retirement	retirement	NOUN
fsr-3918	125	18	.	.	PUNCT
fsr-3918	126	1	people	people	NOUN
fsr-3918	126	2	who	who	PRON
fsr-3918	126	3	do	do	VERB
fsr-3918	126	4	n’t	not	PART
fsr-3918	126	5	plan	plan	VERB
fsr-3918	126	6	to	to	PART
fsr-3918	126	7	leave	leave	VERB
fsr-3918	126	8	an	an	DET
fsr-3918	126	9	inheritance	inheritance	NOUN
fsr-3918	126	10	may	may	AUX
fsr-3918	126	11	have	have	VERB
fsr-3918	126	12	a	a	DET
fsr-3918	126	13	considerably	considerably	ADV
fsr-3918	126	14	shorter	short	ADJ
fsr-3918	126	15	planning	planning	NOUN
fsr-3918	126	16	horizon	horizon	NOUN
fsr-3918	126	17	making	make	VERB
fsr-3918	126	18	them	they	PRON
fsr-3918	126	19	less	less	ADV
fsr-3918	126	20	likely	likely	ADJ
fsr-3918	126	21	to	to	PART
fsr-3918	126	22	purchase	purchase	VERB
fsr-3918	126	23	stocks	stock	NOUN
fsr-3918	126	24	.	.	PUNCT
fsr-3918	127	1	noinhdat	noinhdat	PROPN
fsr-3918	127	2	is	be	AUX
fsr-3918	127	3	a	a	DET
fsr-3918	127	4	dummy	dummy	ADJ
fsr-3918	127	5	variable	variable	NOUN
fsr-3918	127	6	denoting	denote	VERB
fsr-3918	127	7	respondents	respondent	NOUN
fsr-3918	127	8	who	who	PRON
fsr-3918	127	9	did	do	AUX
fsr-3918	127	10	n’t	not	PART
fsr-3918	127	11	answer	answer	VERB
fsr-3918	127	12	the	the	DET
fsr-3918	127	13	inheritance	inheritance	NOUN
fsr-3918	127	14	question	question	NOUN
fsr-3918	127	15	.	.	PUNCT
fsr-3918	128	1	noinhdat	noinhdat	NOUN
fsr-3918	128	2	includes	include	VERB
fsr-3918	128	3	both	both	CCONJ
fsr-3918	128	4	those	those	PRON
fsr-3918	128	5	with	with	ADP
fsr-3918	128	6	response	response	NOUN
fsr-3918	128	7	to	to	ADP
fsr-3918	128	8	the	the	DET
fsr-3918	128	9	inherit	inherit	NOUN
fsr-3918	128	10	question	question	NOUN
fsr-3918	128	11	,	,	PUNCT
fsr-3918	128	12	who	who	PRON
fsr-3918	128	13	receive	receive	VERB
fsr-3918	128	14	a	a	DET
fsr-3918	128	15	value	value	NOUN
fsr-3918	128	16	of	of	ADP
fsr-3918	128	17	zero	zero	NUM
fsr-3918	128	18	for	for	ADP
fsr-3918	128	19	the	the	DET
fsr-3918	128	20	noinhdat	noinhdat	NOUN
fsr-3918	128	21	,	,	PUNCT
fsr-3918	128	22	and	and	CCONJ
fsr-3918	128	23	those	those	PRON
fsr-3918	128	24	who	who	PRON
fsr-3918	128	25	did	do	AUX
fsr-3918	128	26	not	not	PART
fsr-3918	128	27	respond	respond	VERB
fsr-3918	128	28	to	to	ADP
fsr-3918	128	29	it	it	PRON
fsr-3918	128	30	,	,	PUNCT
fsr-3918	128	31	who	who	PRON
fsr-3918	128	32	receive	receive	VERB
fsr-3918	128	33	a	a	DET
fsr-3918	128	34	value	value	NOUN
fsr-3918	128	35	of	of	ADP
fsr-3918	128	36	1	1	NUM
fsr-3918	128	37	for	for	ADP
fsr-3918	128	38	noinhdat	noinhdat	NOUN
fsr-3918	128	39	.	.	PUNCT
fsr-3918	129	1	the	the	DET
fsr-3918	129	2	remaining	remain	VERB
fsr-3918	129	3	variables	variable	NOUN
fsr-3918	129	4	in	in	ADP
fsr-3918	129	5	our	our	PRON
fsr-3918	129	6	regressions	regression	NOUN
fsr-3918	129	7	describe	describe	VERB
fsr-3918	129	8	demographic	demographic	ADJ
fsr-3918	129	9	and	and	CCONJ
fsr-3918	129	10	lifecycle	lifecycle	VERB
fsr-3918	129	11	differences	difference	NOUN
fsr-3918	129	12	among	among	ADP
fsr-3918	129	13	respondents	respondent	NOUN
fsr-3918	129	14	.	.	PUNCT
fsr-3918	130	1	we	we	PRON
fsr-3918	130	2	have	have	AUX
fsr-3918	130	3	included	include	VERB
fsr-3918	130	4	information	information	NOUN
fsr-3918	130	5	on	on	ADP
fsr-3918	130	6	the	the	DET
fsr-3918	130	7	person	person	NOUN
fsr-3918	130	8	’s	’s	PART
fsr-3918	130	9	age	age	NOUN
fsr-3918	130	10	(	(	PUNCT
fsr-3918	130	11	age	age	NOUN
fsr-3918	130	12	)	)	PUNCT
fsr-3918	130	13	,	,	PUNCT
fsr-3918	130	14	a	a	DET
fsr-3918	130	15	dummy	dummy	NOUN
fsr-3918	130	16	for	for	ADP
fsr-3918	130	17	people	people	NOUN
fsr-3918	130	18	who	who	PRON
fsr-3918	130	19	are	be	AUX
fsr-3918	130	20	married	marry	VERB
fsr-3918	130	21	with	with	ADP
fsr-3918	130	22	spouse	spouse	NOUN
fsr-3918	130	23	present	present	NOUN
fsr-3918	130	24	(	(	PUNCT
fsr-3918	130	25	married	married	ADJ
fsr-3918	130	26	)	)	PUNCT
fsr-3918	130	27	,	,	PUNCT
fsr-3918	130	28	and	and	CCONJ
fsr-3918	130	29	a	a	DET
fsr-3918	130	30	dummy	dummy	ADJ
fsr-3918	130	31	variable	variable	NOUN
fsr-3918	130	32	identifying	identify	VERB
fsr-3918	130	33	the	the	DET
fsr-3918	130	34	person	person	NOUN
fsr-3918	130	35	’s	’s	PART
fsr-3918	130	36	gender	gender	NOUN
fsr-3918	130	37	(	(	PUNCT
fsr-3918	130	38	male	male	NOUN
fsr-3918	130	39	)	)	PUNCT
fsr-3918	130	40	.	.	PUNCT
fsr-3918	131	1	since	since	SCONJ
fsr-3918	131	2	the	the	DET
fsr-3918	131	3	individuals	individual	NOUN
fsr-3918	131	4	in	in	ADP
fsr-3918	131	5	our	our	PRON
fsr-3918	131	6	data	datum	NOUN
fsr-3918	131	7	set	set	VERB
fsr-3918	131	8	are	be	AUX
fsr-3918	131	9	near	near	ADP
fsr-3918	131	10	retirement	retirement	NOUN
fsr-3918	131	11	,	,	PUNCT
fsr-3918	131	12	older	old	ADJ
fsr-3918	131	13	people	people	NOUN
fsr-3918	131	14	may	may	AUX
fsr-3918	131	15	prefer	prefer	VERB
fsr-3918	131	16	assets	asset	NOUN
fsr-3918	131	17	that	that	PRON
fsr-3918	131	18	are	be	AUX
fsr-3918	131	19	predictable	predictable	ADJ
fsr-3918	131	20	in	in	ADP
fsr-3918	131	21	the	the	DET
fsr-3918	131	22	short	short	ADJ
fsr-3918	131	23	term	term	NOUN
fsr-3918	131	24	(	(	PUNCT
fsr-3918	131	25	such	such	ADJ
fsr-3918	131	26	as	as	ADP
fsr-3918	131	27	treasury	treasury	PROPN
fsr-3918	131	28	bills	bill	NOUN
fsr-3918	131	29	and	and	CCONJ
fsr-3918	131	30	bonds	bond	NOUN
fsr-3918	131	31	)	)	PUNCT
fsr-3918	131	32	.	.	PUNCT
fsr-3918	132	1	the	the	DET
fsr-3918	132	2	gender	gender	NOUN
fsr-3918	132	3	and	and	CCONJ
fsr-3918	132	4	marital	marital	ADJ
fsr-3918	132	5	status	status	NOUN
fsr-3918	132	6	dummies	dummy	NOUN
fsr-3918	132	7	should	should	AUX
fsr-3918	132	8	pick	pick	VERB
fsr-3918	132	9	up	up	ADP
fsr-3918	132	10	taste	taste	NOUN
fsr-3918	132	11	differences	difference	NOUN
fsr-3918	132	12	(	(	PUNCT
fsr-3918	132	13	other	other	ADJ
fsr-3918	132	14	than	than	ADP
fsr-3918	132	15	tolerance	tolerance	NOUN
fsr-3918	132	16	for	for	ADP
fsr-3918	132	17	risk	risk	NOUN
fsr-3918	132	18	)	)	PUNCT
fsr-3918	132	19	that	that	PRON
fsr-3918	132	20	affect	affect	VERB
fsr-3918	132	21	asset	asset	NOUN
fsr-3918	132	22	allocation	allocation	NOUN
fsr-3918	132	23	.	.	PUNCT
fsr-3918	133	1	we	we	PRON
fsr-3918	133	2	now	now	ADV
fsr-3918	133	3	return	return	VERB
fsr-3918	133	4	to	to	ADP
fsr-3918	133	5	our	our	PRON
fsr-3918	133	6	discussion	discussion	NOUN
fsr-3918	133	7	of	of	ADP
fsr-3918	133	8	the	the	DET
fsr-3918	133	9	dependent	dependent	ADJ
fsr-3918	133	10	variable	variable	NOUN
fsr-3918	133	11	tbill1	tbill1	PROPN
fsr-3918	133	12	.	.	PUNCT
fsr-3918	134	1	since	since	SCONJ
fsr-3918	134	2	our	our	PRON
fsr-3918	134	3	primary	primary	ADJ
fsr-3918	134	4	emphasis	emphasis	NOUN
fsr-3918	134	5	is	be	AUX
fsr-3918	134	6	on	on	ADP
fsr-3918	134	7	the	the	DET
fsr-3918	134	8	relationship	relationship	NOUN
fsr-3918	134	9	between	between	ADP
fsr-3918	134	10	portfolio	portfolio	NOUN
fsr-3918	134	11	choice	choice	NOUN
fsr-3918	134	12	and	and	CCONJ
fsr-3918	134	13	risk	risk	NOUN
fsr-3918	134	14	tolerance	tolerance	NOUN
fsr-3918	134	15	,	,	PUNCT
fsr-3918	134	16	we	we	PRON
fsr-3918	134	17	have	have	AUX
fsr-3918	134	18	chosen	choose	VERB
fsr-3918	134	19	to	to	PART
fsr-3918	134	20	focus	focus	VERB
fsr-3918	134	21	on	on	ADP
fsr-3918	134	22	purely	purely	ADV
fsr-3918	134	23	financial	financial	ADJ
fsr-3918	134	24	assets	asset	NOUN
fsr-3918	134	25	with	with	ADP
fsr-3918	134	26	values	value	NOUN
fsr-3918	134	27	related	relate	VERB
fsr-3918	134	28	to	to	ADP
fsr-3918	134	29	their	their	PRON
fsr-3918	134	30	risk	risk	NOUN
fsr-3918	134	31	and	and	CCONJ
fsr-3918	134	32	expected	expect	VERB
fsr-3918	134	33	return	return	NOUN
fsr-3918	134	34	164	164	NUM
fsr-3918	134	35	g.	g.	PROPN
fsr-3918	134	36	hariharan	hariharan	PROPN
fsr-3918	134	37	et	et	PROPN
fsr-3918	134	38	al	al	PROPN
fsr-3918	134	39	.	.	PUNCT
fsr-3918	134	40	/	/	SYM
fsr-3918	134	41	financial	financial	ADJ
fsr-3918	134	42	services	service	NOUN
fsr-3918	134	43	review	review	VERB
fsr-3918	134	44	9	9	NUM
fsr-3918	134	45	(	(	PUNCT
fsr-3918	134	46	2000	2000	NUM
fsr-3918	134	47	)	)	PUNCT
fsr-3918	134	48	159–170	159–170	NUM
fsr-3918	134	49	properties	property	NOUN
fsr-3918	134	50	.	.	PUNCT
fsr-3918	135	1	similarly	similarly	ADV
fsr-3918	135	2	,	,	PUNCT
fsr-3918	135	3	we	we	PRON
fsr-3918	135	4	have	have	AUX
fsr-3918	135	5	ignored	ignore	VERB
fsr-3918	135	6	money	money	NOUN
fsr-3918	135	7	kept	keep	VERB
fsr-3918	135	8	in	in	ADP
fsr-3918	135	9	savings	saving	NOUN
fsr-3918	135	10	accounts	account	NOUN
fsr-3918	135	11	because	because	SCONJ
fsr-3918	135	12	the	the	DET
fsr-3918	135	13	demand	demand	NOUN
fsr-3918	135	14	for	for	ADP
fsr-3918	135	15	savings	saving	NOUN
fsr-3918	135	16	accounts	account	NOUN
fsr-3918	135	17	may	may	AUX
fsr-3918	135	18	be	be	AUX
fsr-3918	135	19	linked	link	VERB
fsr-3918	135	20	to	to	ADP
fsr-3918	135	21	liquidity	liquidity	NOUN
fsr-3918	135	22	concerns	concern	NOUN
fsr-3918	135	23	.	.	PUNCT
fsr-3918	136	1	this	this	PRON
fsr-3918	136	2	leaves	leave	VERB
fsr-3918	136	3	us	we	PRON
fsr-3918	136	4	with	with	ADP
fsr-3918	136	5	three	three	NUM
fsr-3918	136	6	categories	category	NOUN
fsr-3918	136	7	of	of	ADP
fsr-3918	136	8	financial	financial	ADJ
fsr-3918	136	9	assets	asset	NOUN
fsr-3918	136	10	,	,	PUNCT
fsr-3918	136	11	which	which	PRON
fsr-3918	136	12	we	we	PRON
fsr-3918	136	13	have	have	AUX
fsr-3918	136	14	labeled	label	VERB
fsr-3918	136	15	tbills	tbill	NOUN
fsr-3918	136	16	,	,	PUNCT
fsr-3918	136	17	bonds	bond	NOUN
fsr-3918	136	18	,	,	PUNCT
fsr-3918	136	19	and	and	CCONJ
fsr-3918	136	20	stocks	stock	NOUN
fsr-3918	136	21	.	.	PUNCT
fsr-3918	137	1	tbills	tbill	NOUN
fsr-3918	137	2	actually	actually	ADV
fsr-3918	137	3	includes	include	VERB
fsr-3918	137	4	money	money	NOUN
fsr-3918	137	5	in	in	ADP
fsr-3918	137	6	certificates	certificate	NOUN
fsr-3918	137	7	of	of	ADP
fsr-3918	137	8	deposit	deposit	NOUN
fsr-3918	137	9	,	,	PUNCT
fsr-3918	137	10	government	government	NOUN
fsr-3918	137	11	savings	saving	NOUN
fsr-3918	137	12	bonds	bond	NOUN
fsr-3918	137	13	and	and	CCONJ
fsr-3918	137	14	treasury	treasury	NOUN
fsr-3918	137	15	bills	bill	NOUN
fsr-3918	137	16	,	,	PUNCT
fsr-3918	137	17	while	while	SCONJ
fsr-3918	137	18	bonds	bond	NOUN
fsr-3918	137	19	includes	include	VERB
fsr-3918	137	20	corporate	corporate	ADJ
fsr-3918	137	21	,	,	PUNCT
fsr-3918	137	22	municipal	municipal	ADJ
fsr-3918	137	23	,	,	PUNCT
fsr-3918	137	24	government	government	NOUN
fsr-3918	137	25	,	,	PUNCT
fsr-3918	137	26	foreign	foreign	ADJ
fsr-3918	137	27	bonds	bond	NOUN
fsr-3918	137	28	and	and	CCONJ
fsr-3918	137	29	bond	bond	NOUN
fsr-3918	137	30	funds	fund	NOUN
fsr-3918	137	31	.	.	PUNCT
fsr-3918	138	1	the	the	DET
fsr-3918	138	2	stocks	stock	NOUN
fsr-3918	138	3	category	category	NOUN
fsr-3918	138	4	includes	include	VERB
fsr-3918	138	5	all	all	DET
fsr-3918	138	6	shares	share	NOUN
fsr-3918	138	7	of	of	ADP
fsr-3918	138	8	stock	stock	NOUN
fsr-3918	138	9	in	in	ADP
fsr-3918	138	10	publicly	publicly	ADV
fsr-3918	138	11	held	hold	VERB
fsr-3918	138	12	corporations	corporation	NOUN
fsr-3918	138	13	,	,	PUNCT
fsr-3918	138	14	mutual	mutual	ADJ
fsr-3918	138	15	funds	fund	NOUN
fsr-3918	138	16	or	or	CCONJ
fsr-3918	138	17	investment	investment	NOUN
fsr-3918	138	18	trusts	trust	NOUN
fsr-3918	138	19	.	.	PUNCT
fsr-3918	139	1	from	from	ADP
fsr-3918	139	2	these	these	DET
fsr-3918	139	3	three	three	NUM
fsr-3918	139	4	categories	category	NOUN
fsr-3918	139	5	,	,	PUNCT
fsr-3918	139	6	we	we	PRON
fsr-3918	139	7	created	create	VERB
fsr-3918	139	8	the	the	DET
fsr-3918	139	9	dependent	dependent	ADJ
fsr-3918	139	10	variable	variable	NOUN
fsr-3918	139	11	tbill1	tbill1	PROPN
fsr-3918	139	12	,	,	PUNCT
fsr-3918	139	13	as	as	ADV
fsr-3918	139	14	well	well	ADV
fsr-3918	139	15	as	as	ADP
fsr-3918	139	16	two	two	NUM
fsr-3918	139	17	other	other	ADJ
fsr-3918	139	18	variables	variable	NOUN
fsr-3918	139	19	stock1	stock1	NOUN
fsr-3918	139	20	and	and	CCONJ
fsr-3918	139	21	bond1	bond1	PROPN
fsr-3918	139	22	for	for	ADP
fsr-3918	139	23	additional	additional	ADJ
fsr-3918	139	24	regressions	regression	NOUN
fsr-3918	139	25	.	.	PUNCT
fsr-3918	140	1	each	each	DET
fsr-3918	140	2	variable	variable	NOUN
fsr-3918	140	3	is	be	AUX
fsr-3918	140	4	the	the	DET
fsr-3918	140	5	ratio	ratio	NOUN
fsr-3918	140	6	of	of	ADP
fsr-3918	140	7	the	the	DET
fsr-3918	140	8	amount	amount	NOUN
fsr-3918	140	9	an	an	DET
fsr-3918	140	10	individual	individual	ADJ
fsr-3918	140	11	investor	investor	NOUN
fsr-3918	140	12	holds	hold	VERB
fsr-3918	140	13	of	of	ADP
fsr-3918	140	14	that	that	DET
fsr-3918	140	15	asset	asset	NOUN
fsr-3918	140	16	type	type	NOUN
fsr-3918	140	17	to	to	ADP
fsr-3918	140	18	an	an	DET
fsr-3918	140	19	individual	individual	NOUN
fsr-3918	140	20	’s	’s	PART
fsr-3918	140	21	total	total	NOUN
fsr-3918	140	22	of	of	ADP
fsr-3918	140	23	the	the	DET
fsr-3918	140	24	three	three	NUM
fsr-3918	140	25	asset	asset	NOUN
fsr-3918	140	26	groups	group	NOUN
fsr-3918	140	27	.	.	PUNCT
fsr-3918	141	1	more	more	ADV
fsr-3918	141	2	specifically	specifically	ADV
fsr-3918	141	3	,	,	PUNCT
fsr-3918	141	4	if	if	SCONJ
fsr-3918	141	5	ti	ti	PROPN
fsr-3918	141	6	denotes	denote	VERB
fsr-3918	141	7	the	the	DET
fsr-3918	141	8	wealth	wealth	NOUN
fsr-3918	141	9	person	person	NOUN
fsr-3918	141	10	i	i	PRON
fsr-3918	141	11	has	have	AUX
fsr-3918	141	12	invested	invest	VERB
fsr-3918	141	13	in	in	ADP
fsr-3918	141	14	treasury	treasury	NOUN
fsr-3918	141	15	bills	bill	NOUN
fsr-3918	141	16	while	while	SCONJ
fsr-3918	141	17	si	si	PROPN
fsr-3918	141	18	is	be	VERB
fsr-3918	141	19	wealth	wealth	NOUN
fsr-3918	141	20	in	in	ADP
fsr-3918	141	21	stock	stock	NOUN
fsr-3918	141	22	and	and	CCONJ
fsr-3918	141	23	bi	bi	NOUN
fsr-3918	141	24	is	be	AUX
fsr-3918	141	25	wealth	wealth	NOUN
fsr-3918	141	26	in	in	ADP
fsr-3918	141	27	bonds	bond	NOUN
fsr-3918	141	28	,	,	PUNCT
fsr-3918	141	29	then	then	ADV
fsr-3918	141	30	tbill15	tbill15	VERB
fsr-3918	141	31	ti/(si	ti/(si	PROPN
fsr-3918	141	32	1	1	NUM
fsr-3918	141	33	bi	bi	NOUN
fsr-3918	141	34	1	1	NUM
fsr-3918	141	35	ti	ti	NOUN
fsr-3918	141	36	)	)	PUNCT
fsr-3918	141	37	.	.	PUNCT
fsr-3918	142	1	similarly	similarly	ADV
fsr-3918	142	2	,	,	PUNCT
fsr-3918	142	3	stock15	stock15	NOUN
fsr-3918	142	4	si/(si	si/(si	PROPN
fsr-3918	142	5	1	1	NUM
fsr-3918	142	6	bi	bi	NOUN
fsr-3918	142	7	1	1	NUM
fsr-3918	142	8	ti	ti	NOUN
fsr-3918	142	9	)	)	PUNCT
fsr-3918	142	10	and	and	CCONJ
fsr-3918	142	11	bond15	bond15	NOUN
fsr-3918	142	12	bi/(si	bi/(si	PROPN
fsr-3918	142	13	1	1	NUM
fsr-3918	142	14	bi	bi	NOUN
fsr-3918	142	15	1	1	NUM
fsr-3918	142	16	ti	ti	NOUN
fsr-3918	142	17	)	)	PUNCT
fsr-3918	142	18	.	.	PUNCT
fsr-3918	143	1	the	the	DET
fsr-3918	143	2	dependent	dependent	ADJ
fsr-3918	143	3	variable	variable	NOUN
fsr-3918	143	4	,	,	PUNCT
fsr-3918	143	5	tbill1	tbill1	PROPN
fsr-3918	143	6	,	,	PUNCT
fsr-3918	143	7	in	in	ADP
fsr-3918	143	8	eq	eq	ADP
fsr-3918	143	9	.	.	PUNCT
fsr-3918	144	1	(	(	PUNCT
fsr-3918	144	2	2	2	X
fsr-3918	144	3	)	)	PUNCT
fsr-3918	144	4	can	can	AUX
fsr-3918	144	5	be	be	AUX
fsr-3918	144	6	replaced	replace	VERB
fsr-3918	144	7	by	by	ADP
fsr-3918	144	8	either	either	CCONJ
fsr-3918	144	9	stock1	stock1	NOUN
fsr-3918	144	10	or	or	CCONJ
fsr-3918	144	11	bond1	bond1	PROPN
fsr-3918	144	12	to	to	PART
fsr-3918	144	13	explore	explore	VERB
fsr-3918	144	14	the	the	DET
fsr-3918	144	15	determinants	determinant	NOUN
fsr-3918	144	16	of	of	ADP
fsr-3918	144	17	these	these	DET
fsr-3918	144	18	ratios	ratio	NOUN
fsr-3918	144	19	.	.	PUNCT
fsr-3918	145	1	while	while	SCONJ
fsr-3918	145	2	the	the	DET
fsr-3918	145	3	regression	regression	NOUN
fsr-3918	145	4	described	describe	VERB
fsr-3918	145	5	in	in	ADP
fsr-3918	145	6	eq	eq	PROPN
fsr-3918	145	7	.	.	PUNCT
fsr-3918	146	1	(	(	PUNCT
fsr-3918	146	2	2	2	X
fsr-3918	146	3	)	)	PUNCT
fsr-3918	146	4	allows	allow	VERB
fsr-3918	146	5	us	we	PRON
fsr-3918	146	6	to	to	PART
fsr-3918	146	7	test	test	VERB
fsr-3918	146	8	the	the	DET
fsr-3918	146	9	capm	capm	PROPN
fsr-3918	146	10	’s	’s	PART
fsr-3918	146	11	predictions	prediction	NOUN
fsr-3918	146	12	concerning	concern	VERB
fsr-3918	146	13	allocation	allocation	NOUN
fsr-3918	146	14	of	of	ADP
fsr-3918	146	15	assets	asset	NOUN
fsr-3918	146	16	between	between	ADP
fsr-3918	146	17	risky	risky	ADJ
fsr-3918	146	18	and	and	CCONJ
fsr-3918	146	19	risk	risk	NOUN
fsr-3918	146	20	-	-	PUNCT
fsr-3918	146	21	free	free	ADJ
fsr-3918	146	22	assets	asset	NOUN
fsr-3918	146	23	,	,	PUNCT
fsr-3918	146	24	we	we	PRON
fsr-3918	146	25	also	also	ADV
fsr-3918	146	26	wish	wish	VERB
fsr-3918	146	27	to	to	PART
fsr-3918	146	28	investigate	investigate	VERB
fsr-3918	146	29	the	the	DET
fsr-3918	146	30	effect	effect	NOUN
fsr-3918	146	31	of	of	ADP
fsr-3918	146	32	risk	risk	NOUN
fsr-3918	146	33	tolerance	tolerance	NOUN
fsr-3918	146	34	on	on	ADP
fsr-3918	146	35	the	the	DET
fsr-3918	146	36	composition	composition	NOUN
fsr-3918	146	37	of	of	ADP
fsr-3918	146	38	the	the	DET
fsr-3918	146	39	risky	risky	ADJ
fsr-3918	146	40	portfolio	portfolio	NOUN
fsr-3918	146	41	.	.	PUNCT
fsr-3918	147	1	broadly	broadly	ADV
fsr-3918	147	2	,	,	PUNCT
fsr-3918	147	3	the	the	DET
fsr-3918	147	4	capm	capm	PROPN
fsr-3918	147	5	suggests	suggest	VERB
fsr-3918	147	6	that	that	SCONJ
fsr-3918	147	7	risk	risk	NOUN
fsr-3918	147	8	tolerance	tolerance	NOUN
fsr-3918	147	9	will	will	AUX
fsr-3918	147	10	not	not	PART
fsr-3918	147	11	have	have	VERB
fsr-3918	147	12	any	any	DET
fsr-3918	147	13	effect	effect	NOUN
fsr-3918	147	14	on	on	ADP
fsr-3918	147	15	the	the	DET
fsr-3918	147	16	percentage	percentage	NOUN
fsr-3918	147	17	of	of	ADP
fsr-3918	147	18	risky	risky	ADJ
fsr-3918	147	19	assets	asset	NOUN
fsr-3918	147	20	allocated	allocate	VERB
fsr-3918	147	21	to	to	ADP
fsr-3918	147	22	stocks	stock	NOUN
fsr-3918	147	23	as	as	SCONJ
fsr-3918	147	24	opposed	oppose	VERB
fsr-3918	147	25	to	to	ADP
fsr-3918	147	26	bonds	bond	NOUN
fsr-3918	147	27	.	.	PUNCT
fsr-3918	148	1	the	the	DET
fsr-3918	148	2	informal	informal	ADJ
fsr-3918	148	3	wall	wall	PROPN
fsr-3918	148	4	street	street	PROPN
fsr-3918	148	5	wisdom	wisdom	NOUN
fsr-3918	148	6	cited	cite	VERB
fsr-3918	148	7	in	in	ADP
fsr-3918	148	8	the	the	DET
fsr-3918	148	9	paper	paper	NOUN
fsr-3918	148	10	’s	’s	PART
fsr-3918	148	11	introduction	introduction	NOUN
fsr-3918	148	12	suggests	suggest	VERB
fsr-3918	148	13	that	that	SCONJ
fsr-3918	148	14	risk	risk	VERB
fsr-3918	148	15	tolerant	tolerant	ADJ
fsr-3918	148	16	people	people	NOUN
fsr-3918	148	17	should	should	AUX
fsr-3918	148	18	select	select	VERB
fsr-3918	148	19	more	more	ADJ
fsr-3918	148	20	stock	stock	NOUN
fsr-3918	148	21	relative	relative	ADJ
fsr-3918	148	22	to	to	ADP
fsr-3918	148	23	bonds	bond	NOUN
fsr-3918	148	24	than	than	ADP
fsr-3918	148	25	their	their	PRON
fsr-3918	148	26	risk	risk	NOUN
fsr-3918	148	27	averse	averse	ADJ
fsr-3918	148	28	brethren	brother	NOUN
fsr-3918	148	29	.	.	PUNCT
fsr-3918	149	1	to	to	PART
fsr-3918	149	2	test	test	VERB
fsr-3918	149	3	this	this	PRON
fsr-3918	149	4	,	,	PUNCT
fsr-3918	149	5	we	we	PRON
fsr-3918	149	6	specify	specify	VERB
fsr-3918	149	7	a	a	DET
fsr-3918	149	8	linear	linear	ADJ
fsr-3918	149	9	regression	regression	NOUN
fsr-3918	149	10	similar	similar	ADJ
fsr-3918	149	11	to	to	ADP
fsr-3918	149	12	eq	eq	PROPN
fsr-3918	149	13	.	.	PUNCT
fsr-3918	150	1	(	(	PUNCT
fsr-3918	150	2	2	2	NUM
fsr-3918	150	3	)	)	PUNCT
fsr-3918	150	4	with	with	ADP
fsr-3918	150	5	the	the	DET
fsr-3918	150	6	fraction	fraction	NOUN
fsr-3918	150	7	of	of	ADP
fsr-3918	150	8	risky	risky	ADJ
fsr-3918	150	9	assets	asset	NOUN
fsr-3918	150	10	devoted	devote	VERB
fsr-3918	150	11	to	to	ADP
fsr-3918	150	12	bonds	bond	NOUN
fsr-3918	150	13	,	,	PUNCT
fsr-3918	150	14	bond25	bond25	PROPN
fsr-3918	150	15	bi/(si	bi/(si	PROPN
fsr-3918	150	16	1	1	NUM
fsr-3918	150	17	bi	bi	NOUN
fsr-3918	150	18	)	)	PUNCT
fsr-3918	150	19	,	,	PUNCT
fsr-3918	150	20	as	as	ADP
fsr-3918	150	21	the	the	DET
fsr-3918	150	22	dependent	dependent	ADJ
fsr-3918	150	23	variable	variable	NOUN
fsr-3918	150	24	:	:	PUNCT
fsr-3918	150	25	bond2	bond2	NOUN
fsr-3918	150	26	5	5	NUM
fsr-3918	150	27	g0	g0	ADJ
fsr-3918	150	28	1	1	NUM
fsr-3918	150	29	g1risk1	g1risk1	NOUN
fsr-3918	150	30	g2educ	g2educ	NOUN
fsr-3918	150	31	1	1	NUM
fsr-3918	150	32	o	o	NOUN
fsr-3918	150	33	i53	i53	PUNCT
fsr-3918	151	1	i	i	PRON
fsr-3918	151	2	gixi	gixi	VERB
fsr-3918	151	3	1	1	NUM
fsr-3918	151	4	u.	u.	NOUN
fsr-3918	151	5	(	(	PUNCT
fsr-3918	151	6	3	3	NUM
fsr-3918	151	7	)	)	PUNCT
fsr-3918	151	8	wall	wall	PROPN
fsr-3918	151	9	street	street	PROPN
fsr-3918	151	10	predictsg1	predictsg1	PROPN
fsr-3918	151	11	,	,	PUNCT
fsr-3918	151	12	0	0	PUNCT
fsr-3918	151	13	while	while	SCONJ
fsr-3918	151	14	the	the	DET
fsr-3918	151	15	capm	capm	PROPN
fsr-3918	151	16	predictsg1	predictsg1	PROPN
fsr-3918	151	17	5	5	NUM
fsr-3918	151	18	0	0	NUM
fsr-3918	151	19	.	.	PUNCT
fsr-3918	152	1	if	if	SCONJ
fsr-3918	152	2	the	the	DET
fsr-3918	152	3	determinants	determinant	NOUN
fsr-3918	152	4	of	of	ADP
fsr-3918	152	5	high	high	ADJ
fsr-3918	152	6	risk	risk	NOUN
fsr-3918	152	7	versus	versus	ADP
fsr-3918	152	8	low	low	ADJ
fsr-3918	152	9	risk	risk	NOUN
fsr-3918	152	10	allocations	allocation	NOUN
fsr-3918	152	11	within	within	ADP
fsr-3918	152	12	the	the	DET
fsr-3918	152	13	risky	risky	ADJ
fsr-3918	152	14	portfolio	portfolio	NOUN
fsr-3918	152	15	are	be	AUX
fsr-3918	152	16	similar	similar	ADJ
fsr-3918	152	17	to	to	ADP
fsr-3918	152	18	the	the	DET
fsr-3918	152	19	determinants	determinant	NOUN
fsr-3918	152	20	of	of	ADP
fsr-3918	152	21	risky	risky	ADJ
fsr-3918	152	22	versus	versus	ADP
fsr-3918	152	23	risk	risk	NOUN
fsr-3918	152	24	-	-	PUNCT
fsr-3918	152	25	free	free	ADJ
fsr-3918	152	26	assets	asset	NOUN
fsr-3918	152	27	,	,	PUNCT
fsr-3918	152	28	then	then	ADV
fsr-3918	152	29	the	the	DET
fsr-3918	152	30	estimated	estimated	ADJ
fsr-3918	152	31	eq	eq	NOUN
fsr-3918	152	32	.	.	PUNCT
fsr-3918	153	1	(	(	PUNCT
fsr-3918	153	2	3	3	X
fsr-3918	153	3	)	)	PUNCT
fsr-3918	153	4	should	should	AUX
fsr-3918	153	5	look	look	VERB
fsr-3918	153	6	very	very	ADV
fsr-3918	153	7	much	much	ADV
fsr-3918	153	8	like	like	ADP
fsr-3918	153	9	eq	eq	NOUN
fsr-3918	153	10	.	.	PUNCT
fsr-3918	154	1	(	(	PUNCT
fsr-3918	154	2	2	2	NUM
fsr-3918	154	3	)	)	PUNCT
fsr-3918	154	4	.	.	PUNCT
fsr-3918	155	1	4	4	X
fsr-3918	155	2	.	.	X
fsr-3918	155	3	results	result	VERB
fsr-3918	155	4	the	the	DET
fsr-3918	155	5	regression	regression	NOUN
fsr-3918	155	6	results	result	NOUN
fsr-3918	155	7	reported	report	VERB
fsr-3918	155	8	in	in	ADP
fsr-3918	155	9	table	table	NOUN
fsr-3918	155	10	2	2	NUM
fsr-3918	155	11	are	be	AUX
fsr-3918	155	12	broadly	broadly	ADV
fsr-3918	155	13	consistent	consistent	ADJ
fsr-3918	155	14	with	with	ADP
fsr-3918	155	15	the	the	DET
fsr-3918	155	16	predictions	prediction	NOUN
fsr-3918	155	17	of	of	ADP
fsr-3918	155	18	the	the	DET
fsr-3918	155	19	capm	capm	PROPN
fsr-3918	155	20	that	that	SCONJ
fsr-3918	155	21	(	(	PUNCT
fsr-3918	155	22	1	1	X
fsr-3918	155	23	)	)	PUNCT
fsr-3918	155	24	increased	increase	VERB
fsr-3918	155	25	tolerance	tolerance	NOUN
fsr-3918	155	26	for	for	ADP
fsr-3918	155	27	risk	risk	NOUN
fsr-3918	155	28	causes	cause	VERB
fsr-3918	155	29	capm	capm	PROPN
fsr-3918	155	30	investors	investor	NOUN
fsr-3918	155	31	to	to	PART
fsr-3918	155	32	alter	alter	VERB
fsr-3918	155	33	the	the	DET
fsr-3918	155	34	percentage	percentage	NOUN
fsr-3918	155	35	of	of	ADP
fsr-3918	155	36	assets	asset	NOUN
fsr-3918	155	37	held	hold	VERB
fsr-3918	155	38	in	in	ADP
fsr-3918	155	39	the	the	DET
fsr-3918	155	40	risky	risky	ADJ
fsr-3918	155	41	portfolio	portfolio	NOUN
fsr-3918	155	42	as	as	SCONJ
fsr-3918	155	43	opposed	oppose	VERB
fsr-3918	155	44	to	to	ADP
fsr-3918	155	45	the	the	DET
fsr-3918	155	46	risk	risk	NOUN
fsr-3918	155	47	-	-	PUNCT
fsr-3918	155	48	free	free	ADJ
fsr-3918	155	49	asset	asset	NOUN
fsr-3918	155	50	,	,	PUNCT
fsr-3918	155	51	and	and	CCONJ
fsr-3918	155	52	(	(	PUNCT
fsr-3918	155	53	2	2	X
fsr-3918	155	54	)	)	PUNCT
fsr-3918	155	55	the	the	DET
fsr-3918	155	56	composition	composition	NOUN
fsr-3918	155	57	of	of	ADP
fsr-3918	155	58	stocks	stock	NOUN
fsr-3918	155	59	and	and	CCONJ
fsr-3918	155	60	bonds	bond	NOUN
fsr-3918	155	61	held	hold	VERB
fsr-3918	155	62	in	in	ADP
fsr-3918	155	63	the	the	DET
fsr-3918	155	64	risky	risky	ADJ
fsr-3918	155	65	portfolio	portfolio	NOUN
fsr-3918	155	66	should	should	AUX
fsr-3918	155	67	not	not	PART
fsr-3918	155	68	change	change	VERB
fsr-3918	155	69	as	as	ADP
fsr-3918	155	70	risk	risk	NOUN
fsr-3918	155	71	tolerance	tolerance	NOUN
fsr-3918	155	72	changes	change	NOUN
fsr-3918	155	73	.	.	PUNCT
fsr-3918	156	1	regression	regression	NOUN
fsr-3918	156	2	(	(	PUNCT
fsr-3918	156	3	i	i	NOUN
fsr-3918	156	4	)	)	PUNCT
fsr-3918	156	5	in	in	ADP
fsr-3918	156	6	table	table	NOUN
fsr-3918	156	7	2	2	NUM
fsr-3918	156	8	estimates	estimate	NOUN
fsr-3918	156	9	eq	eq	ADJ
fsr-3918	156	10	.	.	PUNCT
fsr-3918	156	11	(	(	PUNCT
fsr-3918	156	12	2	2	NUM
fsr-3918	156	13	)	)	PUNCT
fsr-3918	156	14	,	,	PUNCT
fsr-3918	156	15	while	while	SCONJ
fsr-3918	156	16	regressions	regression	NOUN
fsr-3918	156	17	(	(	PUNCT
fsr-3918	156	18	ii	ii	NOUN
fsr-3918	156	19	)	)	PUNCT
fsr-3918	156	20	and	and	CCONJ
fsr-3918	156	21	(	(	PUNCT
fsr-3918	156	22	iii	iii	NOUN
fsr-3918	156	23	)	)	PUNCT
fsr-3918	156	24	replace	replace	VERB
fsr-3918	156	25	the	the	DET
fsr-3918	156	26	tbill1	tbill1	ADV
fsr-3918	156	27	dependent	dependent	ADJ
fsr-3918	156	28	variable	variable	NOUN
fsr-3918	156	29	with	with	ADP
fsr-3918	156	30	stock1	stock1	NOUN
fsr-3918	156	31	and	and	CCONJ
fsr-3918	156	32	bond1	bond1	PROPN
fsr-3918	156	33	,	,	PUNCT
fsr-3918	156	34	respectively	respectively	ADV
fsr-3918	156	35	,	,	PUNCT
fsr-3918	156	36	to	to	PART
fsr-3918	156	37	show	show	VERB
fsr-3918	156	38	the	the	DET
fsr-3918	156	39	effect	effect	NOUN
fsr-3918	156	40	of	of	ADP
fsr-3918	156	41	our	our	PRON
fsr-3918	156	42	regressors	regressor	NOUN
fsr-3918	156	43	on	on	ADP
fsr-3918	156	44	these	these	DET
fsr-3918	156	45	other	other	ADJ
fsr-3918	156	46	assets	asset	NOUN
fsr-3918	156	47	.	.	PUNCT
fsr-3918	157	1	the	the	DET
fsr-3918	157	2	coefficient	coefficient	NOUN
fsr-3918	157	3	for	for	ADP
fsr-3918	157	4	risk	risk	NOUN
fsr-3918	157	5	in	in	ADP
fsr-3918	157	6	regression	regression	NOUN
fsr-3918	157	7	(	(	PUNCT
fsr-3918	157	8	i	i	NOUN
fsr-3918	157	9	)	)	PUNCT
fsr-3918	157	10	is	be	AUX
fsr-3918	157	11	negative	negative	ADJ
fsr-3918	157	12	and	and	CCONJ
fsr-3918	157	13	highly	highly	ADV
fsr-3918	157	14	significant	significant	ADJ
fsr-3918	157	15	whereas	whereas	SCONJ
fsr-3918	157	16	it	it	PRON
fsr-3918	157	17	is	be	AUX
fsr-3918	157	18	positive	positive	ADJ
fsr-3918	157	19	and	and	CCONJ
fsr-3918	157	20	highly	highly	ADV
fsr-3918	157	21	significant	significant	ADJ
fsr-3918	157	22	in	in	ADP
fsr-3918	157	23	regression	regression	NOUN
fsr-3918	157	24	(	(	PUNCT
fsr-3918	157	25	ii	ii	NOUN
fsr-3918	157	26	)	)	PUNCT
fsr-3918	157	27	.	.	PUNCT
fsr-3918	158	1	this	this	DET
fsr-3918	158	2	result	result	NOUN
fsr-3918	158	3	165	165	NUM
fsr-3918	158	4	g.	g.	NOUN
fsr-3918	158	5	hariharan	hariharan	PROPN
fsr-3918	158	6	et	et	PROPN
fsr-3918	158	7	al	al	PROPN
fsr-3918	158	8	.	.	PUNCT
fsr-3918	158	9	/	/	SYM
fsr-3918	158	10	financial	financial	ADJ
fsr-3918	158	11	services	service	NOUN
fsr-3918	158	12	review	review	VERB
fsr-3918	158	13	9	9	NUM
fsr-3918	158	14	(	(	PUNCT
fsr-3918	158	15	2000	2000	NUM
fsr-3918	158	16	)	)	PUNCT
fsr-3918	159	1	159–170	159–170	NUM
fsr-3918	159	2	confirms	confirm	VERB
fsr-3918	159	3	the	the	DET
fsr-3918	159	4	work	work	NOUN
fsr-3918	159	5	of	of	ADP
fsr-3918	159	6	schooley	schooley	NOUN
fsr-3918	159	7	and	and	CCONJ
fsr-3918	159	8	worden	worden	NOUN
fsr-3918	159	9	(	(	PUNCT
fsr-3918	159	10	1996	1996	NUM
fsr-3918	159	11	)	)	PUNCT
fsr-3918	159	12	that	that	SCONJ
fsr-3918	159	13	,	,	PUNCT
fsr-3918	159	14	as	as	SCONJ
fsr-3918	159	15	the	the	DET
fsr-3918	159	16	capm	capm	PROPN
fsr-3918	159	17	predicts	predict	NOUN
fsr-3918	159	18	,	,	PUNCT
fsr-3918	159	19	risk	risk	NOUN
fsr-3918	159	20	-	-	PUNCT
fsr-3918	159	21	tolerant	tolerant	ADJ
fsr-3918	159	22	individuals	individual	NOUN
fsr-3918	159	23	are	be	AUX
fsr-3918	159	24	more	more	ADV
fsr-3918	159	25	likely	likely	ADJ
fsr-3918	159	26	to	to	PART
fsr-3918	159	27	choose	choose	VERB
fsr-3918	159	28	a	a	DET
fsr-3918	159	29	smaller	small	ADJ
fsr-3918	159	30	proportion	proportion	NOUN
fsr-3918	159	31	of	of	ADP
fsr-3918	159	32	risk	risk	NOUN
fsr-3918	159	33	-	-	PUNCT
fsr-3918	159	34	free	free	ADJ
fsr-3918	159	35	assets	asset	NOUN
fsr-3918	159	36	.	.	PUNCT
fsr-3918	160	1	the	the	DET
fsr-3918	160	2	expectation	expectation	NOUN
fsr-3918	160	3	variables	variable	NOUN
fsr-3918	160	4	perform	perform	VERB
fsr-3918	160	5	broadly	broadly	ADV
fsr-3918	160	6	as	as	SCONJ
fsr-3918	160	7	anticipated	anticipate	VERB
fsr-3918	160	8	.	.	PUNCT
fsr-3918	161	1	individuals	individual	NOUN
fsr-3918	161	2	expecting	expect	VERB
fsr-3918	161	3	a	a	DET
fsr-3918	161	4	major	major	ADJ
fsr-3918	161	5	depression	depression	NOUN
fsr-3918	161	6	are	be	AUX
fsr-3918	161	7	significantly	significantly	ADV
fsr-3918	161	8	more	more	ADV
fsr-3918	161	9	inclined	inclined	ADJ
fsr-3918	161	10	to	to	PART
fsr-3918	161	11	invest	invest	VERB
fsr-3918	161	12	in	in	ADP
fsr-3918	161	13	treasury	treasury	NOUN
fsr-3918	161	14	bills	bill	NOUN
fsr-3918	161	15	;	;	PUNCT
fsr-3918	161	16	the	the	DET
fsr-3918	161	17	exdepr	exdepr	ADJ
fsr-3918	161	18	coeffitable	coeffitable	ADJ
fsr-3918	161	19	2	2	NUM
fsr-3918	161	20	regression	regression	NOUN
fsr-3918	161	21	results	result	NOUN
fsr-3918	161	22	(	(	PUNCT
fsr-3918	161	23	i	i	NOUN
fsr-3918	161	24	)	)	PUNCT
fsr-3918	161	25	tbill1	tbill1	PROPN
fsr-3918	161	26	(	(	PUNCT
fsr-3918	161	27	ii	ii	NOUN
fsr-3918	161	28	)	)	PUNCT
fsr-3918	161	29	stock1	stock1	NOUN
fsr-3918	161	30	(	(	PUNCT
fsr-3918	161	31	iii	iii	NOUN
fsr-3918	161	32	)	)	PUNCT
fsr-3918	161	33	bond1	bond1	NOUN
fsr-3918	161	34	(	(	PUNCT
fsr-3918	161	35	iv	iv	X
fsr-3918	161	36	)	)	PUNCT
fsr-3918	161	37	bond2	bond2	NOUN
fsr-3918	161	38	risk	risk	NOUN
fsr-3918	161	39	20.0202822	20.0202822	NUM
fsr-3918	161	40	*	*	NOUN
fsr-3918	161	41	0.0176538	0.0176538	NUM
fsr-3918	161	42	*	*	PUNCT
fsr-3918	161	43	0.0026284	0.0026284	NUM
fsr-3918	161	44	0.0006723	0.0006723	NUM
fsr-3918	161	45	0.0081	0.0081	NUM
fsr-3918	161	46	0.0080	0.0080	NUM
fsr-3918	161	47	0.0033	0.0033	NUM
fsr-3918	161	48	0.0053	0.0053	NUM
fsr-3918	161	49	0.012	0.012	NUM
fsr-3918	161	50	0.028	0.028	NUM
fsr-3918	161	51	0.431	0.431	NUM
fsr-3918	161	52	0.899	0.899	NUM
fsr-3918	161	53	exinfl	exinfl	VERB
fsr-3918	161	54	0.0010041	0.0010041	NUM
fsr-3918	161	55	20.0018642	20.0018642	NUM
fsr-3918	162	1	0.0008601	0.0008601	NUM
fsr-3918	162	2	0.0019292	0.0019292	NUM
fsr-3918	162	3	0.0042	0.0042	NUM
fsr-3918	162	4	0.0042	0.0042	NUM
fsr-3918	162	5	0.0018	0.0018	NUM
fsr-3918	162	6	0.0028	0.0028	NUM
fsr-3918	162	7	0.813	0.813	NUM
fsr-3918	162	8	0.659	0.659	NUM
fsr-3918	162	9	0.624	0.624	NUM
fsr-3918	162	10	0.496	0.496	NUM
fsr-3918	162	11	exdepr	exdepr	VERB
fsr-3918	162	12	0.0101191	0.0101191	NUM
fsr-3918	162	13	*	*	NOUN
fsr-3918	162	14	20.0083302	20.0083302	NUM
fsr-3918	162	15	*	*	SYM
fsr-3918	162	16	20.0017888	20.0017888	NUM
fsr-3918	162	17	20.0000649	20.0000649	NUM
fsr-3918	162	18	0.0040	0.0040	NUM
fsr-3918	162	19	0.0039	0.0039	NUM
fsr-3918	162	20	0.0016	0.0016	NUM
fsr-3918	162	21	0.0026	0.0026	NUM
fsr-3918	162	22	0.011	0.011	NUM
fsr-3918	162	23	0.035	0.035	NUM
fsr-3918	162	24	0.275	0.275	NUM
fsr-3918	162	25	0.980	0.980	NUM
fsr-3918	162	26	age	age	NOUN
fsr-3918	162	27	0.0010009	0.0010009	NUM
fsr-3918	162	28	20.0026679	20.0026679	NUM
fsr-3918	162	29	0.001667	0.001667	NUM
fsr-3918	162	30	0.0044584	0.0044584	NUM
fsr-3918	162	31	*	*	PROPN
fsr-3918	162	32	0.0028	0.0028	NUM
fsr-3918	162	33	0.0027	0.0027	NUM
fsr-3918	162	34	0.0011	0.0011	NUM
fsr-3918	162	35	0.0018	0.0018	NUM
fsr-3918	162	36	0.716	0.716	NUM
fsr-3918	162	37	0.331	0.331	NUM
fsr-3918	162	38	0.144	0.144	NUM
fsr-3918	162	39	0.014	0.014	NUM
fsr-3918	162	40	male	male	NOUN
fsr-3918	162	41	20.0642129	20.0642129	NUM
fsr-3918	162	42	*	*	PUNCT
fsr-3918	162	43	0.0718902	0.0718902	NUM
fsr-3918	162	44	*	*	PUNCT
fsr-3918	162	45	20.0076773	20.0076773	NUM
fsr-3918	162	46	20.0212092	20.0212092	NUM
fsr-3918	162	47	0.0190	0.0190	NUM
fsr-3918	162	48	0.0189	0.0189	NUM
fsr-3918	162	49	0.0079	0.0079	NUM
fsr-3918	162	50	0.0129	0.0129	NUM
fsr-3918	162	51	0.001	0.001	NUM
fsr-3918	162	52	,	,	PUNCT
fsr-3918	162	53	0.001	0.001	NUM
fsr-3918	162	54	0.329	0.329	NUM
fsr-3918	162	55	0.100	0.100	NUM
fsr-3918	162	56	educ	educ	PROPN
fsr-3918	162	57	20.033231	20.033231	NUM
fsr-3918	162	58	*	*	NOUN
fsr-3918	162	59	0.0282265	0.0282265	NUM
fsr-3918	162	60	*	*	PUNCT
fsr-3918	162	61	0.0050045	0.0050045	NUM
fsr-3918	162	62	*	*	PUNCT
fsr-3918	162	63	0.0022464	0.0022464	NUM
fsr-3918	162	64	0.0037	0.0037	NUM
fsr-3918	162	65	0.0037	0.0037	NUM
fsr-3918	162	66	0.0015	0.0015	NUM
fsr-3918	162	67	0.0026	0.0026	NUM
fsr-3918	162	68	,	,	PUNCT
fsr-3918	162	69	0.001	0.001	NUM
fsr-3918	162	70	,	,	PUNCT
fsr-3918	162	71	0.001	0.001	NUM
fsr-3918	162	72	0.001	0.001	NUM
fsr-3918	162	73	0.384	0.384	NUM
fsr-3918	162	74	married	married	ADJ
fsr-3918	162	75	20.0225661	20.0225661	NUM
fsr-3918	162	76	0.0204705	0.0204705	NUM
fsr-3918	162	77	0.0020956	0.0020956	NUM
fsr-3918	162	78	20.021743	20.021743	NUM
fsr-3918	162	79	0.0237	0.0237	NUM
fsr-3918	162	80	0.0236	0.0236	NUM
fsr-3918	162	81	0.0098	0.0098	NUM
fsr-3918	162	82	0.0162	0.0162	NUM
fsr-3918	162	83	0.342	0.342	NUM
fsr-3918	162	84	0.387	0.387	NUM
fsr-3918	162	85	0.831	0.831	NUM
fsr-3918	162	86	0.181	0.181	NUM
fsr-3918	162	87	plan10	plan10	NOUN
fsr-3918	162	88	20.0151819	20.0151819	NUM
fsr-3918	162	89	0.019999	0.019999	NUM
fsr-3918	162	90	20.0048171	20.0048171	NUM
fsr-3918	162	91	20.0051516	20.0051516	NUM
fsr-3918	162	92	0.0283	0.0283	NUM
fsr-3918	162	93	0.0282	0.0282	NUM
fsr-3918	162	94	0.0117	0.0117	NUM
fsr-3918	162	95	0.0179	0.0179	NUM
fsr-3918	162	96	0.591	0.591	NUM
fsr-3918	162	97	0.478	0.478	NUM
fsr-3918	162	98	0.681	0.681	NUM
fsr-3918	162	99	0.774	0.774	NUM
fsr-3918	162	100	nopldat	nopldat	NOUN
fsr-3918	162	101	0.0298024	0.0298024	NUM
fsr-3918	162	102	20.0418523	20.0418523	NUM
fsr-3918	162	103	0.0120499	0.0120499	NUM
fsr-3918	162	104	0.0041397	0.0041397	NUM
fsr-3918	162	105	0.0933	0.0933	NUM
fsr-3918	162	106	0.0929	0.0929	NUM
fsr-3918	162	107	0.0386	0.0386	NUM
fsr-3918	162	108	0.0608	0.0608	NUM
fsr-3918	162	109	0.749	0.749	NUM
fsr-3918	162	110	0.652	0.652	NUM
fsr-3918	162	111	0.755	0.755	NUM
fsr-3918	162	112	0.946	0.946	NUM
fsr-3918	162	113	inherit	inherit	NOUN
fsr-3918	162	114	0.0128339	0.0128339	NUM
fsr-3918	162	115	*	*	SYM
fsr-3918	162	116	20.0118426	20.0118426	NUM
fsr-3918	162	117	20.0009914	20.0009914	NUM
fsr-3918	162	118	20.0001546	20.0001546	NUM
fsr-3918	162	119	0.0066	0.0066	NUM
fsr-3918	162	120	0.0065	0.0065	NUM
fsr-3918	162	121	0.0027	0.0027	NUM
fsr-3918	162	122	0.0044	0.0044	NUM
fsr-3918	162	123	0.050	0.050	NUM
fsr-3918	162	124	0.070	0.070	NUM
fsr-3918	162	125	0.715	0.715	NUM
fsr-3918	162	126	0.972	0.972	NUM
fsr-3918	162	127	noinhdat	noinhdat	NOUN
fsr-3918	162	128	20.1567533	20.1567533	NUM
fsr-3918	162	129	0.1056201	0.1056201	NUM
fsr-3918	162	130	0.0511332	0.0511332	NUM
fsr-3918	162	131	0.0328997	0.0328997	NUM
fsr-3918	162	132	0.1022	0.1022	NUM
fsr-3918	162	133	0.1019	0.1019	NUM
fsr-3918	162	134	0.0423	0.0423	NUM
fsr-3918	162	135	0.0604	0.0604	NUM
fsr-3918	162	136	0.125	0.125	NUM
fsr-3918	162	137	0.300	0.300	NUM
fsr-3918	162	138	0.227	0.227	NUM
fsr-3918	162	139	0.586	0.586	NUM
fsr-3918	162	140	networth	networth	NOUN
fsr-3918	162	141	28.50e-08	28.50e-08	NOUN
fsr-3918	162	142	*	*	NOUN
fsr-3918	162	143	6.32e-08	6.32e-08	NUM
fsr-3918	162	144	*	*	NOUN
fsr-3918	162	145	2.17e-08	2.17e-08	NUM
fsr-3918	162	146	*	*	NOUN
fsr-3918	162	147	1.85e-08	1.85e-08	NUM
fsr-3918	162	148	*	*	NOUN
fsr-3918	162	149	1.47e-08	1.47e-08	NUM
fsr-3918	162	150	1.47e-08	1.47e-08	NUM
fsr-3918	162	151	6.10e-09	6.10e-09	NUM
fsr-3918	162	152	8.38e-09	8.38e-09	NUM
fsr-3918	162	153	,	,	PUNCT
fsr-3918	162	154	0.001	0.001	NUM
fsr-3918	162	155	,	,	PUNCT
fsr-3918	162	156	0.001	0.001	NUM
fsr-3918	162	157	,	,	PUNCT
fsr-3918	162	158	0.001	0.001	NUM
fsr-3918	162	159	0.027	0.027	NUM
fsr-3918	162	160	constant	constant	ADJ
fsr-3918	162	161	0.8209468	0.8209468	NUM
fsr-3918	162	162	*	*	NOUN
fsr-3918	162	163	0.2838376	0.2838376	NUM
fsr-3918	162	164	20.1047844	20.1047844	NUM
fsr-3918	162	165	20.1721026	20.1721026	NUM
fsr-3918	162	166	0.1720	0.1720	NUM
fsr-3918	162	167	0.1714	0.1714	NUM
fsr-3918	162	168	0.0712	0.0712	NUM
fsr-3918	162	169	0.1150	0.1150	NUM
fsr-3918	162	170	,	,	PUNCT
fsr-3918	162	171	0.001	0.001	NUM
fsr-3918	162	172	0.098	0.098	NUM
fsr-3918	162	173	0.141	0.141	NUM
fsr-3918	162	174	0.135	0.135	NUM
fsr-3918	162	175	number	number	NOUN
fsr-3918	162	176	of	of	ADP
fsr-3918	162	177	observations	observation	NOUN
fsr-3918	162	178	2577	2577	NUM
fsr-3918	162	179	2577	2577	NUM
fsr-3918	162	180	2577	2577	NUM
fsr-3918	162	181	1812	1812	NUM
fsr-3918	162	182	r	r	NOUN
fsr-3918	162	183	-	-	PUNCT
fsr-3918	162	184	squared	square	VERB
fsr-3918	162	185	0.0785	0.0785	NUM
fsr-3918	162	186	0.0601	0.0601	NUM
fsr-3918	162	187	0.0141	0.0141	NUM
fsr-3918	162	188	0.0102	0.0102	NUM
fsr-3918	162	189	each	each	DET
fsr-3918	162	190	table	table	NOUN
fsr-3918	162	191	entry	entry	NOUN
fsr-3918	162	192	contains	contain	VERB
fsr-3918	162	193	the	the	DET
fsr-3918	162	194	coefficient	coefficient	NOUN
fsr-3918	162	195	,	,	PUNCT
fsr-3918	162	196	standard	standard	ADJ
fsr-3918	162	197	error	error	NOUN
fsr-3918	162	198	,	,	PUNCT
fsr-3918	162	199	and	and	CCONJ
fsr-3918	162	200	p	p	NOUN
fsr-3918	162	201	-	-	PUNCT
fsr-3918	162	202	value	value	NOUN
fsr-3918	162	203	for	for	ADP
fsr-3918	162	204	the	the	DET
fsr-3918	162	205	associated	associated	ADJ
fsr-3918	162	206	regressor	regressor	NOUN
fsr-3918	162	207	.	.	PUNCT
fsr-3918	163	1	the	the	DET
fsr-3918	163	2	top	top	ADJ
fsr-3918	163	3	row	row	NOUN
fsr-3918	163	4	lists	list	VERB
fsr-3918	163	5	the	the	DET
fsr-3918	163	6	dependent	dependent	ADJ
fsr-3918	163	7	variable	variable	NOUN
fsr-3918	163	8	and	and	CCONJ
fsr-3918	163	9	a	a	DET
fsr-3918	163	10	regression	regression	NOUN
fsr-3918	163	11	number	number	NOUN
fsr-3918	163	12	.	.	PUNCT
fsr-3918	164	1	independent	independent	ADJ
fsr-3918	164	2	variables	variable	NOUN
fsr-3918	164	3	are	be	AUX
fsr-3918	164	4	listed	list	VERB
fsr-3918	164	5	in	in	ADP
fsr-3918	164	6	the	the	DET
fsr-3918	164	7	first	first	ADJ
fsr-3918	164	8	column	column	NOUN
fsr-3918	164	9	.	.	PUNCT
fsr-3918	165	1	*	*	PUNCT
fsr-3918	165	2	significant	significant	ADJ
fsr-3918	165	3	at	at	ADP
fsr-3918	165	4	the	the	DET
fsr-3918	165	5	95	95	NUM
fsr-3918	165	6	%	%	NOUN
fsr-3918	165	7	level	level	NOUN
fsr-3918	165	8	.	.	PUNCT
fsr-3918	166	1	166	166	NUM
fsr-3918	166	2	g.	g.	PROPN
fsr-3918	166	3	hariharan	hariharan	PROPN
fsr-3918	166	4	et	et	PROPN
fsr-3918	166	5	al	al	PROPN
fsr-3918	166	6	.	.	PUNCT
fsr-3918	166	7	/	/	SYM
fsr-3918	166	8	financial	financial	ADJ
fsr-3918	166	9	services	service	NOUN
fsr-3918	166	10	review	review	VERB
fsr-3918	166	11	9	9	NUM
fsr-3918	166	12	(	(	PUNCT
fsr-3918	166	13	2000	2000	NUM
fsr-3918	166	14	)	)	PUNCT
fsr-3918	166	15	159–170	159–170	NUM
fsr-3918	166	16	cients	cient	NOUN
fsr-3918	166	17	are	be	AUX
fsr-3918	166	18	positive	positive	ADJ
fsr-3918	166	19	in	in	ADP
fsr-3918	166	20	regression	regression	NOUN
fsr-3918	166	21	(	(	PUNCT
fsr-3918	166	22	i	i	NOUN
fsr-3918	166	23	)	)	PUNCT
fsr-3918	166	24	,	,	PUNCT
fsr-3918	166	25	and	and	CCONJ
fsr-3918	166	26	negative	negative	ADJ
fsr-3918	166	27	in	in	ADP
fsr-3918	166	28	regression	regression	NOUN
fsr-3918	166	29	(	(	PUNCT
fsr-3918	166	30	ii	ii	NOUN
fsr-3918	166	31	)	)	PUNCT
fsr-3918	166	32	.	.	PUNCT
fsr-3918	167	1	consistent	consistent	ADJ
fsr-3918	167	2	with	with	ADP
fsr-3918	167	3	schooley	schooley	NOUN
fsr-3918	167	4	and	and	CCONJ
fsr-3918	167	5	worden	worden	NOUN
fsr-3918	167	6	,	,	PUNCT
fsr-3918	167	7	individuals	individual	NOUN
fsr-3918	167	8	who	who	PRON
fsr-3918	167	9	were	be	AUX
fsr-3918	167	10	less	less	ADV
fsr-3918	167	11	likely	likely	ADJ
fsr-3918	167	12	to	to	PART
fsr-3918	167	13	leave	leave	VERB
fsr-3918	167	14	an	an	DET
fsr-3918	167	15	inheritance	inheritance	NOUN
fsr-3918	167	16	(	(	PUNCT
fsr-3918	167	17	i.e.	i.e.	X
fsr-3918	167	18	,	,	PUNCT
fsr-3918	167	19	higher	high	ADJ
fsr-3918	167	20	values	value	NOUN
fsr-3918	167	21	of	of	ADP
fsr-3918	167	22	inherit	inherit	NOUN
fsr-3918	167	23	)	)	PUNCT
fsr-3918	167	24	used	use	VERB
fsr-3918	167	25	less	less	ADJ
fsr-3918	167	26	stock	stock	NOUN
fsr-3918	167	27	and	and	CCONJ
fsr-3918	167	28	more	more	ADJ
fsr-3918	167	29	t	t	NOUN
fsr-3918	167	30	-	-	PUNCT
fsr-3918	167	31	bills	bill	NOUN
fsr-3918	167	32	.	.	PUNCT
fsr-3918	168	1	individuals	individual	NOUN
fsr-3918	168	2	whose	whose	DET
fsr-3918	168	3	planning	planning	NOUN
fsr-3918	168	4	horizon	horizon	NOUN
fsr-3918	168	5	was	be	AUX
fsr-3918	168	6	10	10	NUM
fsr-3918	168	7	years	year	NOUN
fsr-3918	168	8	or	or	CCONJ
fsr-3918	168	9	more	more	ADJ
fsr-3918	168	10	did	do	AUX
fsr-3918	168	11	tend	tend	VERB
fsr-3918	168	12	to	to	PART
fsr-3918	168	13	use	use	VERB
fsr-3918	168	14	more	more	ADJ
fsr-3918	168	15	stock	stock	NOUN
fsr-3918	168	16	;	;	PUNCT
fsr-3918	168	17	the	the	DET
fsr-3918	168	18	coefficients	coefficient	NOUN
fsr-3918	168	19	on	on	ADP
fsr-3918	168	20	the	the	DET
fsr-3918	168	21	plan10	plan10	NOUN
fsr-3918	168	22	dummy	dummy	ADJ
fsr-3918	168	23	variable	variable	NOUN
fsr-3918	168	24	are	be	AUX
fsr-3918	168	25	positive	positive	ADJ
fsr-3918	168	26	in	in	ADP
fsr-3918	168	27	regression	regression	NOUN
fsr-3918	168	28	(	(	PUNCT
fsr-3918	168	29	ii	ii	NOUN
fsr-3918	168	30	)	)	PUNCT
fsr-3918	168	31	,	,	PUNCT
fsr-3918	168	32	negative	negative	ADJ
fsr-3918	168	33	in	in	ADP
fsr-3918	168	34	regression	regression	NOUN
fsr-3918	168	35	(	(	PUNCT
fsr-3918	168	36	i	i	NOUN
fsr-3918	168	37	)	)	PUNCT
fsr-3918	168	38	,	,	PUNCT
fsr-3918	168	39	although	although	SCONJ
fsr-3918	168	40	they	they	PRON
fsr-3918	168	41	are	be	AUX
fsr-3918	168	42	not	not	PART
fsr-3918	168	43	statistically	statistically	ADV
fsr-3918	168	44	significant	significant	ADJ
fsr-3918	168	45	.	.	PUNCT
fsr-3918	169	1	the	the	DET
fsr-3918	169	2	probability	probability	NOUN
fsr-3918	169	3	of	of	ADP
fsr-3918	169	4	high	high	ADJ
fsr-3918	169	5	inflation	inflation	NOUN
fsr-3918	169	6	,	,	PUNCT
fsr-3918	169	7	exinfl	exinfl	NOUN
fsr-3918	169	8	,	,	PUNCT
fsr-3918	169	9	is	be	AUX
fsr-3918	169	10	the	the	DET
fsr-3918	169	11	least	least	ADV
fsr-3918	169	12	significant	significant	ADJ
fsr-3918	169	13	among	among	ADP
fsr-3918	169	14	the	the	DET
fsr-3918	169	15	expectation	expectation	NOUN
fsr-3918	169	16	variables	variable	NOUN
fsr-3918	169	17	.	.	PUNCT
fsr-3918	170	1	this	this	PRON
fsr-3918	170	2	implies	imply	VERB
fsr-3918	170	3	that	that	SCONJ
fsr-3918	170	4	people	people	NOUN
fsr-3918	170	5	who	who	PRON
fsr-3918	170	6	expected	expect	VERB
fsr-3918	170	7	double	double	ADJ
fsr-3918	170	8	-	-	PUNCT
fsr-3918	170	9	digit	digit	NOUN
fsr-3918	170	10	inflation	inflation	NOUN
fsr-3918	170	11	did	do	AUX
fsr-3918	170	12	not	not	PART
fsr-3918	170	13	alter	alter	VERB
fsr-3918	170	14	their	their	PRON
fsr-3918	170	15	portfolio	portfolio	NOUN
fsr-3918	170	16	composition	composition	NOUN
fsr-3918	170	17	.	.	PUNCT
fsr-3918	171	1	this	this	DET
fsr-3918	171	2	last	last	ADJ
fsr-3918	171	3	result	result	NOUN
fsr-3918	171	4	may	may	AUX
fsr-3918	171	5	merely	merely	ADV
fsr-3918	171	6	reflect	reflect	VERB
fsr-3918	171	7	the	the	DET
fsr-3918	171	8	fact	fact	NOUN
fsr-3918	171	9	that	that	SCONJ
fsr-3918	171	10	when	when	SCONJ
fsr-3918	171	11	inflationary	inflationary	ADJ
fsr-3918	171	12	expectations	expectation	NOUN
fsr-3918	171	13	are	be	AUX
fsr-3918	171	14	high	high	ADJ
fsr-3918	171	15	generally	generally	ADV
fsr-3918	171	16	nominal	nominal	ADJ
fsr-3918	171	17	interest	interest	NOUN
fsr-3918	171	18	rates	rate	NOUN
fsr-3918	171	19	rise	rise	VERB
fsr-3918	171	20	leaving	leave	VERB
fsr-3918	171	21	individual	individual	ADJ
fsr-3918	171	22	investors	investor	NOUN
fsr-3918	171	23	with	with	ADP
fsr-3918	171	24	no	no	DET
fsr-3918	171	25	strong	strong	ADJ
fsr-3918	171	26	preference	preference	NOUN
fsr-3918	171	27	between	between	ADP
fsr-3918	171	28	stocks	stock	NOUN
fsr-3918	171	29	and	and	CCONJ
fsr-3918	171	30	bonds	bond	NOUN
fsr-3918	171	31	.	.	PUNCT
fsr-3918	172	1	demographic	demographic	ADJ
fsr-3918	172	2	variables	variable	NOUN
fsr-3918	172	3	other	other	ADJ
fsr-3918	172	4	than	than	ADP
fsr-3918	172	5	age	age	NOUN
fsr-3918	172	6	are	be	AUX
fsr-3918	172	7	highly	highly	ADV
fsr-3918	172	8	significant	significant	ADJ
fsr-3918	172	9	.	.	PUNCT
fsr-3918	173	1	educ	educ	PROPN
fsr-3918	173	2	is	be	AUX
fsr-3918	173	3	highly	highly	ADV
fsr-3918	173	4	significant	significant	ADJ
fsr-3918	173	5	suggesting	suggesting	NOUN
fsr-3918	173	6	that	that	SCONJ
fsr-3918	173	7	educated	educate	VERB
fsr-3918	173	8	people	people	NOUN
fsr-3918	173	9	allocate	allocate	VERB
fsr-3918	173	10	more	more	ADJ
fsr-3918	173	11	of	of	ADP
fsr-3918	173	12	their	their	PRON
fsr-3918	173	13	wealth	wealth	NOUN
fsr-3918	173	14	to	to	ADP
fsr-3918	173	15	the	the	DET
fsr-3918	173	16	risky	risky	ADJ
fsr-3918	173	17	assets	asset	NOUN
fsr-3918	173	18	,	,	PUNCT
fsr-3918	173	19	perhaps	perhaps	ADV
fsr-3918	173	20	because	because	SCONJ
fsr-3918	173	21	they	they	PRON
fsr-3918	173	22	are	be	AUX
fsr-3918	173	23	better	well	ADJ
fsr-3918	173	24	at	at	ADP
fsr-3918	173	25	understanding	understand	VERB
fsr-3918	173	26	the	the	DET
fsr-3918	173	27	risks	risk	NOUN
fsr-3918	173	28	associated	associate	VERB
fsr-3918	173	29	with	with	ADP
fsr-3918	173	30	these	these	DET
fsr-3918	173	31	assets	asset	NOUN
fsr-3918	173	32	(	(	PUNCT
fsr-3918	173	33	tversky	tversky	PROPN
fsr-3918	173	34	&	&	CCONJ
fsr-3918	173	35	kahneman	kahneman	PROPN
fsr-3918	173	36	,	,	PUNCT
fsr-3918	173	37	1986	1986	NUM
fsr-3918	173	38	)	)	PUNCT
fsr-3918	173	39	.	.	PUNCT
fsr-3918	174	1	married	married	ADJ
fsr-3918	174	2	males	male	NOUN
fsr-3918	174	3	are	be	AUX
fsr-3918	174	4	much	much	ADV
fsr-3918	174	5	less	less	ADV
fsr-3918	174	6	likely	likely	ADJ
fsr-3918	174	7	to	to	PART
fsr-3918	174	8	invest	invest	VERB
fsr-3918	174	9	in	in	ADP
fsr-3918	174	10	risk	risk	NOUN
fsr-3918	174	11	-	-	PUNCT
fsr-3918	174	12	free	free	ADJ
fsr-3918	174	13	treasury	treasury	NOUN
fsr-3918	174	14	bills	bill	NOUN
fsr-3918	174	15	than	than	SCONJ
fsr-3918	174	16	are	be	AUX
fsr-3918	174	17	their	their	PRON
fsr-3918	174	18	single	single	ADJ
fsr-3918	174	19	-	-	PUNCT
fsr-3918	174	20	female	female	ADJ
fsr-3918	174	21	counterparts	counterpart	NOUN
fsr-3918	174	22	.	.	PUNCT
fsr-3918	175	1	the	the	DET
fsr-3918	175	2	gender	gender	NOUN
fsr-3918	175	3	difference	difference	NOUN
fsr-3918	175	4	is	be	AUX
fsr-3918	175	5	especially	especially	ADV
fsr-3918	175	6	interesting	interesting	ADJ
fsr-3918	175	7	in	in	ADP
fsr-3918	175	8	light	light	NOUN
fsr-3918	175	9	of	of	ADP
fsr-3918	175	10	the	the	DET
fsr-3918	175	11	work	work	NOUN
fsr-3918	175	12	by	by	ADP
fsr-3918	175	13	bajtelsmit	bajtelsmit	NOUN
fsr-3918	175	14	et	et	PROPN
fsr-3918	175	15	al	al	PROPN
fsr-3918	175	16	.	.	PUNCT
fsr-3918	176	1	(	(	PUNCT
fsr-3918	176	2	1999	1999	NUM
fsr-3918	176	3	)	)	PUNCT
fsr-3918	176	4	which	which	PRON
fsr-3918	176	5	suggests	suggest	VERB
fsr-3918	176	6	women	woman	NOUN
fsr-3918	176	7	accumulate	accumulate	VERB
fsr-3918	176	8	fewer	few	ADJ
fsr-3918	176	9	assets	asset	NOUN
fsr-3918	176	10	in	in	ADP
fsr-3918	176	11	retirement	retirement	NOUN
fsr-3918	176	12	due	due	ADP
fsr-3918	176	13	to	to	ADP
fsr-3918	176	14	lower	low	ADJ
fsr-3918	176	15	risk	risk	NOUN
fsr-3918	176	16	tolerance	tolerance	NOUN
fsr-3918	176	17	than	than	ADP
fsr-3918	176	18	males	male	NOUN
fsr-3918	176	19	.	.	PUNCT
fsr-3918	177	1	according	accord	VERB
fsr-3918	177	2	to	to	ADP
fsr-3918	177	3	our	our	PRON
fsr-3918	177	4	regression	regression	NOUN
fsr-3918	177	5	(	(	PUNCT
fsr-3918	177	6	i	i	NOUN
fsr-3918	177	7	)	)	PUNCT
fsr-3918	177	8	,	,	PUNCT
fsr-3918	177	9	even	even	ADV
fsr-3918	177	10	after	after	ADP
fsr-3918	177	11	controlling	control	VERB
fsr-3918	177	12	for	for	ADP
fsr-3918	177	13	differences	difference	NOUN
fsr-3918	177	14	in	in	ADP
fsr-3918	177	15	a	a	DET
fsr-3918	177	16	person	person	NOUN
fsr-3918	177	17	’s	’s	PART
fsr-3918	177	18	tolerance	tolerance	NOUN
fsr-3918	177	19	for	for	ADP
fsr-3918	177	20	risk	risk	NOUN
fsr-3918	177	21	,	,	PUNCT
fsr-3918	177	22	women	woman	NOUN
fsr-3918	177	23	are	be	AUX
fsr-3918	177	24	more	more	ADV
fsr-3918	177	25	likely	likely	ADJ
fsr-3918	177	26	to	to	PART
fsr-3918	177	27	invest	invest	VERB
fsr-3918	177	28	in	in	ADP
fsr-3918	177	29	risk	risk	NOUN
fsr-3918	177	30	-	-	PUNCT
fsr-3918	177	31	free	free	ADJ
fsr-3918	177	32	securities	security	NOUN
fsr-3918	177	33	,	,	PUNCT
fsr-3918	177	34	such	such	ADJ
fsr-3918	177	35	as	as	ADP
fsr-3918	177	36	treasury	treasury	PROPN
fsr-3918	177	37	bills	bill	NOUN
fsr-3918	177	38	,	,	PUNCT
fsr-3918	177	39	than	than	ADP
fsr-3918	177	40	males	male	NOUN
fsr-3918	177	41	.	.	PUNCT
fsr-3918	178	1	apparently	apparently	ADV
fsr-3918	178	2	there	there	PRON
fsr-3918	178	3	are	be	VERB
fsr-3918	178	4	taste	taste	NOUN
fsr-3918	178	5	and/or	and/or	CCONJ
fsr-3918	178	6	opportunity	opportunity	NOUN
fsr-3918	178	7	differences	difference	NOUN
fsr-3918	178	8	between	between	ADP
fsr-3918	178	9	the	the	DET
fsr-3918	178	10	genders	gender	NOUN
fsr-3918	178	11	beyond	beyond	ADP
fsr-3918	178	12	risk	risk	NOUN
fsr-3918	178	13	tolerance	tolerance	NOUN
fsr-3918	178	14	that	that	PRON
fsr-3918	178	15	are	be	AUX
fsr-3918	178	16	important	important	ADJ
fsr-3918	178	17	determinants	determinant	NOUN
fsr-3918	178	18	of	of	ADP
fsr-3918	178	19	portfolio	portfolio	NOUN
fsr-3918	178	20	composition	composition	NOUN
fsr-3918	178	21	.	.	PUNCT
fsr-3918	179	1	our	our	PRON
fsr-3918	179	2	measure	measure	NOUN
fsr-3918	179	3	of	of	ADP
fsr-3918	179	4	wealth	wealth	NOUN
fsr-3918	179	5	,	,	PUNCT
fsr-3918	179	6	networth	networth	NOUN
fsr-3918	179	7	,	,	PUNCT
fsr-3918	179	8	is	be	AUX
fsr-3918	179	9	highly	highly	ADV
fsr-3918	179	10	significant	significant	ADJ
fsr-3918	179	11	in	in	ADP
fsr-3918	179	12	all	all	DET
fsr-3918	179	13	the	the	DET
fsr-3918	179	14	regressions	regression	NOUN
fsr-3918	179	15	.	.	PUNCT
fsr-3918	180	1	however	however	ADV
fsr-3918	180	2	,	,	PUNCT
fsr-3918	180	3	the	the	DET
fsr-3918	180	4	magnitude	magnitude	NOUN
fsr-3918	180	5	of	of	ADP
fsr-3918	180	6	the	the	DET
fsr-3918	180	7	coefficients	coefficient	NOUN
fsr-3918	180	8	on	on	ADP
fsr-3918	180	9	networth	networth	NOUN
fsr-3918	180	10	is	be	AUX
fsr-3918	180	11	very	very	ADV
fsr-3918	180	12	small	small	ADJ
fsr-3918	180	13	.	.	PUNCT
fsr-3918	181	1	it	it	PRON
fsr-3918	181	2	is	be	AUX
fsr-3918	181	3	possible	possible	ADJ
fsr-3918	181	4	that	that	SCONJ
fsr-3918	181	5	much	much	ADJ
fsr-3918	181	6	of	of	ADP
fsr-3918	181	7	the	the	DET
fsr-3918	181	8	effect	effect	NOUN
fsr-3918	181	9	of	of	ADP
fsr-3918	181	10	networth	networth	NOUN
fsr-3918	181	11	is	be	AUX
fsr-3918	181	12	actually	actually	ADV
fsr-3918	181	13	captured	capture	VERB
fsr-3918	181	14	by	by	ADP
fsr-3918	181	15	other	other	ADJ
fsr-3918	181	16	variables	variable	NOUN
fsr-3918	181	17	,	,	PUNCT
fsr-3918	181	18	particularly	particularly	ADV
fsr-3918	181	19	risk	risk	NOUN
fsr-3918	181	20	and	and	CCONJ
fsr-3918	181	21	educ	educ	NOUN
fsr-3918	181	22	.	.	PUNCT
fsr-3918	182	1	when	when	SCONJ
fsr-3918	182	2	networth	networth	NOUN
fsr-3918	182	3	is	be	AUX
fsr-3918	182	4	excluded	exclude	VERB
fsr-3918	182	5	from	from	ADP
fsr-3918	182	6	these	these	DET
fsr-3918	182	7	regressions	regression	NOUN
fsr-3918	182	8	none	none	NOUN
fsr-3918	182	9	of	of	ADP
fsr-3918	182	10	the	the	DET
fsr-3918	182	11	other	other	ADJ
fsr-3918	182	12	coefficients	coefficient	NOUN
fsr-3918	182	13	is	be	AUX
fsr-3918	182	14	changed	change	VERB
fsr-3918	182	15	indicating	indicate	VERB
fsr-3918	182	16	perhaps	perhaps	ADV
fsr-3918	182	17	that	that	SCONJ
fsr-3918	182	18	the	the	DET
fsr-3918	182	19	above	above	ADJ
fsr-3918	182	20	statement	statement	NOUN
fsr-3918	182	21	has	have	VERB
fsr-3918	182	22	some	some	DET
fsr-3918	182	23	validity	validity	NOUN
fsr-3918	182	24	.	.	PUNCT
fsr-3918	183	1	in	in	ADP
fsr-3918	183	2	addition	addition	NOUN
fsr-3918	183	3	,	,	PUNCT
fsr-3918	183	4	some	some	PRON
fsr-3918	183	5	of	of	ADP
fsr-3918	183	6	the	the	DET
fsr-3918	183	7	components	component	NOUN
fsr-3918	183	8	of	of	ADP
fsr-3918	183	9	networth	networth	NOUN
fsr-3918	183	10	such	such	ADJ
fsr-3918	183	11	as	as	ADP
fsr-3918	183	12	the	the	DET
fsr-3918	183	13	value	value	NOUN
fsr-3918	183	14	of	of	ADP
fsr-3918	183	15	physical	physical	ADJ
fsr-3918	183	16	property	property	NOUN
fsr-3918	183	17	,	,	PUNCT
fsr-3918	183	18	cars	car	NOUN
fsr-3918	183	19	and	and	CCONJ
fsr-3918	183	20	business	business	NOUN
fsr-3918	183	21	may	may	AUX
fsr-3918	183	22	be	be	AUX
fsr-3918	183	23	corrupting	corrupt	VERB
fsr-3918	183	24	the	the	DET
fsr-3918	183	25	results	result	NOUN
fsr-3918	183	26	,	,	PUNCT
fsr-3918	183	27	because	because	SCONJ
fsr-3918	183	28	they	they	PRON
fsr-3918	183	29	are	be	AUX
fsr-3918	183	30	not	not	PART
fsr-3918	183	31	truly	truly	ADV
fsr-3918	183	32	exogenous	exogenous	ADJ
fsr-3918	183	33	.	.	PUNCT
fsr-3918	184	1	our	our	PRON
fsr-3918	184	2	somewhat	somewhat	ADV
fsr-3918	184	3	short	short	ADJ
fsr-3918	184	4	list	list	NOUN
fsr-3918	184	5	of	of	ADP
fsr-3918	184	6	explanatory	explanatory	ADJ
fsr-3918	184	7	variables	variable	NOUN
fsr-3918	184	8	and	and	CCONJ
fsr-3918	184	9	our	our	PRON
fsr-3918	184	10	inability	inability	NOUN
fsr-3918	184	11	to	to	PART
fsr-3918	184	12	measure	measure	VERB
fsr-3918	184	13	accurately	accurately	ADV
fsr-3918	184	14	taste	taste	VERB
fsr-3918	184	15	and	and	CCONJ
fsr-3918	184	16	time	time	NOUN
fsr-3918	184	17	preference	preference	NOUN
fsr-3918	184	18	differences	difference	NOUN
fsr-3918	184	19	may	may	AUX
fsr-3918	184	20	explain	explain	VERB
fsr-3918	184	21	the	the	DET
fsr-3918	184	22	small	small	ADJ
fsr-3918	184	23	values	value	NOUN
fsr-3918	184	24	for	for	ADP
fsr-3918	184	25	r2	r2	PROPN
fsr-3918	184	26	in	in	ADP
fsr-3918	184	27	our	our	PRON
fsr-3918	184	28	regressions	regression	NOUN
fsr-3918	184	29	.	.	PUNCT
fsr-3918	185	1	the	the	DET
fsr-3918	185	2	focus	focus	NOUN
fsr-3918	185	3	for	for	ADP
fsr-3918	185	4	our	our	PRON
fsr-3918	185	5	study	study	NOUN
fsr-3918	185	6	,	,	PUNCT
fsr-3918	185	7	however	however	ADV
fsr-3918	185	8	,	,	PUNCT
fsr-3918	185	9	is	be	AUX
fsr-3918	185	10	the	the	DET
fsr-3918	185	11	role	role	NOUN
fsr-3918	185	12	of	of	ADP
fsr-3918	185	13	differences	difference	NOUN
fsr-3918	185	14	in	in	ADP
fsr-3918	185	15	risk	risk	NOUN
fsr-3918	185	16	tolerance	tolerance	NOUN
fsr-3918	185	17	and	and	CCONJ
fsr-3918	185	18	our	our	PRON
fsr-3918	185	19	results	result	NOUN
fsr-3918	185	20	do	do	AUX
fsr-3918	185	21	validate	validate	VERB
fsr-3918	185	22	our	our	PRON
fsr-3918	185	23	hypothesis	hypothesis	NOUN
fsr-3918	185	24	.	.	PUNCT
fsr-3918	186	1	perhaps	perhaps	ADV
fsr-3918	186	2	utilizing	utilize	VERB
fsr-3918	186	3	the	the	DET
fsr-3918	186	4	later	later	ADJ
fsr-3918	186	5	waves	wave	NOUN
fsr-3918	186	6	of	of	ADP
fsr-3918	186	7	data	datum	NOUN
fsr-3918	186	8	and	and	CCONJ
fsr-3918	186	9	their	their	PRON
fsr-3918	186	10	longitudinal	longitudinal	ADJ
fsr-3918	186	11	nature	nature	NOUN
fsr-3918	186	12	will	will	AUX
fsr-3918	186	13	improve	improve	VERB
fsr-3918	186	14	the	the	DET
fsr-3918	186	15	explanatory	explanatory	ADJ
fsr-3918	186	16	power	power	NOUN
fsr-3918	186	17	of	of	ADP
fsr-3918	186	18	these	these	DET
fsr-3918	186	19	regressions	regression	NOUN
fsr-3918	186	20	and	and	CCONJ
fsr-3918	186	21	is	be	AUX
fsr-3918	186	22	a	a	DET
fsr-3918	186	23	topic	topic	NOUN
fsr-3918	186	24	for	for	ADP
fsr-3918	186	25	future	future	ADJ
fsr-3918	186	26	study	study	NOUN
fsr-3918	186	27	.	.	PUNCT
fsr-3918	187	1	regression	regression	NOUN
fsr-3918	187	2	(	(	PUNCT
fsr-3918	187	3	iv	iv	X
fsr-3918	187	4	)	)	PUNCT
fsr-3918	187	5	in	in	ADP
fsr-3918	187	6	table	table	NOUN
fsr-3918	187	7	2	2	NUM
fsr-3918	187	8	presents	present	VERB
fsr-3918	187	9	our	our	PRON
fsr-3918	187	10	estimates	estimate	NOUN
fsr-3918	187	11	of	of	ADP
fsr-3918	187	12	eq	eq	PROPN
fsr-3918	187	13	.	.	PUNCT
fsr-3918	188	1	(	(	PUNCT
fsr-3918	188	2	3	3	NUM
fsr-3918	188	3	)	)	PUNCT
fsr-3918	188	4	and	and	CCONJ
fsr-3918	188	5	the	the	DET
fsr-3918	188	6	hypothesis	hypothesis	NOUN
fsr-3918	188	7	that	that	PRON
fsr-3918	188	8	the	the	DET
fsr-3918	188	9	composition	composition	NOUN
fsr-3918	188	10	of	of	ADP
fsr-3918	188	11	stocks	stock	NOUN
fsr-3918	188	12	and	and	CCONJ
fsr-3918	188	13	bonds	bond	NOUN
fsr-3918	188	14	held	hold	VERB
fsr-3918	188	15	in	in	ADP
fsr-3918	188	16	the	the	DET
fsr-3918	188	17	risky	risky	ADJ
fsr-3918	188	18	portfolio	portfolio	NOUN
fsr-3918	188	19	should	should	AUX
fsr-3918	188	20	not	not	PART
fsr-3918	188	21	change	change	VERB
fsr-3918	188	22	as	as	ADP
fsr-3918	188	23	risk	risk	NOUN
fsr-3918	188	24	tolerance	tolerance	NOUN
fsr-3918	188	25	changes	change	NOUN
fsr-3918	188	26	.	.	PUNCT
fsr-3918	189	1	the	the	DET
fsr-3918	189	2	pattern	pattern	NOUN
fsr-3918	189	3	of	of	ADP
fsr-3918	189	4	variables	variable	NOUN
fsr-3918	189	5	determining	determine	VERB
fsr-3918	189	6	the	the	DET
fsr-3918	189	7	portion	portion	NOUN
fsr-3918	189	8	of	of	ADP
fsr-3918	189	9	risky	risky	ADJ
fsr-3918	189	10	assets	asset	NOUN
fsr-3918	189	11	devoted	devote	VERB
fsr-3918	189	12	to	to	ADP
fsr-3918	189	13	low	low	ADJ
fsr-3918	189	14	-	-	PUNCT
fsr-3918	189	15	risk	risk	NOUN
fsr-3918	189	16	low	low	ADJ
fsr-3918	189	17	-	-	PUNCT
fsr-3918	189	18	return	return	NOUN
fsr-3918	189	19	vehicles	vehicle	NOUN
fsr-3918	189	20	is	be	AUX
fsr-3918	189	21	very	very	ADV
fsr-3918	189	22	different	different	ADJ
fsr-3918	189	23	from	from	ADP
fsr-3918	189	24	the	the	DET
fsr-3918	189	25	determinants	determinant	NOUN
fsr-3918	189	26	of	of	ADP
fsr-3918	189	27	their	their	PRON
fsr-3918	189	28	zero	zero	NUM
fsr-3918	189	29	-	-	PUNCT
fsr-3918	189	30	risk	risk	NOUN
fsr-3918	189	31	counterparts	counterpart	NOUN
fsr-3918	189	32	.	.	PUNCT
fsr-3918	190	1	risk	risk	NOUN
fsr-3918	190	2	-	-	PUNCT
fsr-3918	190	3	tolerant	tolerant	ADJ
fsr-3918	190	4	investors	investor	NOUN
fsr-3918	190	5	are	be	AUX
fsr-3918	190	6	no	no	ADV
fsr-3918	190	7	less	less	ADV
fsr-3918	190	8	likely	likely	ADJ
fsr-3918	190	9	to	to	PART
fsr-3918	190	10	choose	choose	VERB
fsr-3918	190	11	bonds	bond	NOUN
fsr-3918	190	12	than	than	ADP
fsr-3918	190	13	stocks	stock	NOUN
fsr-3918	190	14	.	.	PUNCT
fsr-3918	191	1	this	this	PRON
fsr-3918	191	2	refutes	refute	VERB
fsr-3918	191	3	the	the	DET
fsr-3918	191	4	wall	wall	PROPN
fsr-3918	191	5	street	street	PROPN
fsr-3918	191	6	intuition	intuition	NOUN
fsr-3918	191	7	and	and	CCONJ
fsr-3918	191	8	supports	support	VERB
fsr-3918	191	9	the	the	DET
fsr-3918	191	10	capm	capm	NOUN
fsr-3918	191	11	.	.	PUNCT
fsr-3918	192	1	in	in	ADP
fsr-3918	192	2	fact	fact	NOUN
fsr-3918	192	3	,	,	PUNCT
fsr-3918	192	4	the	the	DET
fsr-3918	192	5	only	only	ADJ
fsr-3918	192	6	highly	highly	ADV
fsr-3918	192	7	significant	significant	ADJ
fsr-3918	192	8	right	right	ADJ
fsr-3918	192	9	side	side	NOUN
fsr-3918	192	10	variables	variable	NOUN
fsr-3918	192	11	in	in	ADP
fsr-3918	192	12	regression	regression	NOUN
fsr-3918	192	13	(	(	PUNCT
fsr-3918	192	14	iv	iv	X
fsr-3918	192	15	)	)	PUNCT
fsr-3918	192	16	are	be	AUX
fsr-3918	192	17	age	age	NOUN
fsr-3918	192	18	and	and	CCONJ
fsr-3918	192	19	networth	networth	NOUN
fsr-3918	192	20	.	.	PUNCT
fsr-3918	193	1	this	this	PRON
fsr-3918	193	2	suggests	suggest	VERB
fsr-3918	193	3	that	that	SCONJ
fsr-3918	193	4	casual	casual	ADJ
fsr-3918	193	5	intuition	intuition	NOUN
fsr-3918	193	6	linking	link	VERB
fsr-3918	193	7	low	low	ADJ
fsr-3918	193	8	-	-	PUNCT
fsr-3918	193	9	risk	risk	NOUN
fsr-3918	193	10	and	and	CCONJ
fsr-3918	193	11	no	no	DET
fsr-3918	193	12	-	-	PUNCT
fsr-3918	193	13	risk	risk	NOUN
fsr-3918	193	14	securities	security	NOUN
fsr-3918	193	15	may	may	AUX
fsr-3918	193	16	be	be	AUX
fsr-3918	193	17	inappropriate	inappropriate	ADJ
fsr-3918	193	18	.	.	PUNCT
fsr-3918	194	1	table	table	NOUN
fsr-3918	194	2	3	3	NUM
fsr-3918	194	3	presents	present	VERB
fsr-3918	194	4	a	a	DET
fsr-3918	194	5	correlation	correlation	NOUN
fsr-3918	194	6	matrix	matrix	NOUN
fsr-3918	194	7	in	in	ADP
fsr-3918	194	8	order	order	NOUN
fsr-3918	194	9	to	to	PART
fsr-3918	194	10	address	address	VERB
fsr-3918	194	11	concerns	concern	NOUN
fsr-3918	194	12	about	about	ADP
fsr-3918	194	13	multicollinearity	multicollinearity	NOUN
fsr-3918	194	14	.	.	PUNCT
fsr-3918	195	1	we	we	PRON
fsr-3918	195	2	calculated	calculate	VERB
fsr-3918	195	3	variance	variance	NOUN
fsr-3918	195	4	inflation	inflation	NOUN
fsr-3918	195	5	factors	factor	NOUN
fsr-3918	195	6	(	(	PUNCT
fsr-3918	195	7	vifs	vifs	PROPN
fsr-3918	195	8	)	)	PUNCT
fsr-3918	195	9	for	for	ADP
fsr-3918	195	10	all	all	DET
fsr-3918	195	11	regressions	regression	NOUN
fsr-3918	195	12	reported	report	VERB
fsr-3918	195	13	.	.	PUNCT
fsr-3918	196	1	a	a	DET
fsr-3918	196	2	vif	vif	NOUN
fsr-3918	196	3	is	be	AUX
fsr-3918	196	4	the	the	DET
fsr-3918	196	5	ratio	ratio	NOUN
fsr-3918	196	6	of	of	ADP
fsr-3918	196	7	the	the	DET
fsr-3918	196	8	actual	actual	ADJ
fsr-3918	196	9	variance	variance	NOUN
fsr-3918	196	10	of	of	ADP
fsr-3918	196	11	a	a	DET
fsr-3918	196	12	coefficientbi	coefficientbi	NOUN
fsr-3918	196	13	to	to	ADP
fsr-3918	196	14	what	what	PRON
fsr-3918	196	15	the	the	DET
fsr-3918	196	16	variance	variance	NOUN
fsr-3918	196	17	would	would	AUX
fsr-3918	196	18	have	have	AUX
fsr-3918	196	19	been	be	AUX
fsr-3918	196	20	if	if	SCONJ
fsr-3918	196	21	xi	xi	PROPN
fsr-3918	196	22	was	be	AUX
fsr-3918	196	23	167	167	NUM
fsr-3918	196	24	g.	g.	PROPN
fsr-3918	196	25	hariharan	hariharan	PROPN
fsr-3918	196	26	et	et	PROPN
fsr-3918	196	27	al	al	PROPN
fsr-3918	196	28	.	.	PUNCT
fsr-3918	196	29	/	/	SYM
fsr-3918	196	30	financial	financial	ADJ
fsr-3918	196	31	services	service	NOUN
fsr-3918	196	32	review	review	VERB
fsr-3918	196	33	9	9	NUM
fsr-3918	196	34	(	(	PUNCT
fsr-3918	196	35	2000	2000	NUM
fsr-3918	196	36	)	)	PUNCT
fsr-3918	197	1	159–170	159–170	NUM
fsr-3918	197	2	t	t	PROPN
fsr-3918	197	3	ab	ab	X
fsr-3918	197	4	le	le	X
fsr-3918	197	5	3	3	NUM
fsr-3918	197	6	c	c	NOUN
fsr-3918	197	7	or	or	CCONJ
fsr-3918	197	8	re	re	ADJ
fsr-3918	197	9	la	la	X
fsr-3918	197	10	tio	tio	NOUN
fsr-3918	197	11	n	n	INTJ
fsr-3918	197	12	m	m	VERB
fsr-3918	197	13	at	at	ADP
fsr-3918	197	14	rix	rix	PROPN
fsr-3918	197	15	of	of	ADP
fsr-3918	197	16	rig	rig	NOUN
fsr-3918	197	17	ht	ht	INTJ
fsr-3918	197	18	si	si	PROPN
fsr-3918	197	19	de	de	PROPN
fsr-3918	197	20	va	va	PROPN
fsr-3918	197	21	ria	ria	PROPN
fsr-3918	197	22	bl	bl	PROPN
fsr-3918	197	23	es	es	NOUN
fsr-3918	197	24	r	r	NOUN
fsr-3918	197	25	is	be	AUX
fsr-3918	197	26	k	k	PROPN
fsr-3918	197	27	e	e	X
fsr-3918	197	28	x	x	PROPN
fsr-3918	197	29	in	in	ADP
fsr-3918	197	30	f	f	PROPN
fsr-3918	197	31	l	l	NOUN
fsr-3918	197	32	e	e	NOUN
fsr-3918	197	33	x	x	PUNCT
fsr-3918	197	34	d	d	X
fsr-3918	197	35	e	e	X
fsr-3918	197	36	p	p	NOUN
fsr-3918	197	37	r	r	NOUN
fsr-3918	197	38	a	a	DET
fsr-3918	197	39	g	g	NOUN
fsr-3918	197	40	e	e	PROPN
fsr-3918	197	41	m	m	VERB
fsr-3918	197	42	a	a	PRON
fsr-3918	197	43	le	le	X
fsr-3918	197	44	e	e	X
fsr-3918	197	45	d	d	PUNCT
fsr-3918	197	46	u	u	X
fsr-3918	197	47	c	c	NOUN
fsr-3918	197	48	m	m	VERB
fsr-3918	197	49	a	a	DET
fsr-3918	197	50	r	r	NOUN
fsr-3918	197	51	r	r	NOUN
fsr-3918	197	52	ie	ie	X
fsr-3918	197	53	d	d	PROPN
fsr-3918	197	54	p	p	X
fsr-3918	197	55	la	la	PROPN
fsr-3918	197	56	n	n	ADV
fsr-3918	197	57	10	10	NUM
fsr-3918	197	58	n	n	NUM
fsr-3918	197	59	o	o	NOUN
fsr-3918	197	60	p	p	X
fsr-3918	197	61	ld	ld	PROPN
fsr-3918	197	62	a	a	DET
fsr-3918	197	63	t	t	NOUN
fsr-3918	197	64	in	in	ADP
fsr-3918	197	65	h	h	NOUN
fsr-3918	197	66	e	e	NOUN
fsr-3918	197	67	r	r	NOUN
fsr-3918	197	68	it	it	PRON
fsr-3918	197	69	n	n	PRON
fsr-3918	197	70	o	o	NOUN
fsr-3918	197	71	in	in	ADP
fsr-3918	197	72	h	h	PROPN
fsr-3918	198	1	d	d	NOUN
fsr-3918	198	2	a	a	DET
fsr-3918	198	3	t	t	NOUN
fsr-3918	198	4	n	n	NUM
fsr-3918	198	5	e	e	PROPN
fsr-3918	198	6	t	t	PROPN
fsr-3918	198	7	w	w	NOUN
fsr-3918	198	8	o	o	NOUN
fsr-3918	198	9	r	r	NOUN
fsr-3918	198	10	t	t	NOUN
fsr-3918	198	11	h	h	NOUN
fsr-3918	199	1	r	r	NOUN
fsr-3918	199	2	is	be	AUX
fsr-3918	199	3	k	k	PROPN
fsr-3918	199	4	1	1	NUM
fsr-3918	199	5	.	.	PUNCT
fsr-3918	199	6	00	00	NUM
fsr-3918	199	7	00	00	PUNCT
fsr-3918	200	1	e	e	X
fsr-3918	200	2	x	x	PUNCT
fsr-3918	200	3	in	in	ADP
fsr-3918	200	4	f	f	PROPN
fsr-3918	200	5	l	l	NOUN
fsr-3918	200	6	0	0	NUM
fsr-3918	200	7	.	.	NUM
fsr-3918	200	8	01	01	NUM
fsr-3918	200	9	91	91	NUM
fsr-3918	200	10	1	1	NUM
fsr-3918	200	11	.	.	PUNCT
fsr-3918	200	12	00	00	NUM
fsr-3918	200	13	00	00	PUNCT
fsr-3918	201	1	e	e	X
fsr-3918	201	2	x	x	PUNCT
fsr-3918	201	3	d	d	X
fsr-3918	201	4	e	e	X
fsr-3918	201	5	p	p	NOUN
fsr-3918	201	6	r	r	NOUN
fsr-3918	201	7	2	2	NUM
fsr-3918	201	8	0	0	NUM
fsr-3918	201	9	.	.	PUNCT
fsr-3918	201	10	00	00	NUM
fsr-3918	201	11	59	59	NUM
fsr-3918	201	12	0	0	NUM
fsr-3918	201	13	.	.	PUNCT
fsr-3918	202	1	52	52	NUM
fsr-3918	202	2	91	91	NUM
fsr-3918	202	3	1	1	NUM
fsr-3918	202	4	.	.	PUNCT
fsr-3918	202	5	00	00	NUM
fsr-3918	202	6	00	00	PUNCT
fsr-3918	203	1	a	a	PRON
fsr-3918	203	2	g	g	NOUN
fsr-3918	203	3	e	e	NOUN
fsr-3918	203	4	2	2	NUM
fsr-3918	203	5	0	0	NUM
fsr-3918	203	6	.	.	PUNCT
fsr-3918	204	1	06	06	NUM
fsr-3918	205	1	03	03	NUM
fsr-3918	205	2	2	2	NUM
fsr-3918	205	3	0	0	NUM
fsr-3918	205	4	.	.	PUNCT
fsr-3918	206	1	02	02	NUM
fsr-3918	206	2	10	10	NUM
fsr-3918	206	3	2	2	NUM
fsr-3918	206	4	0	0	NUM
fsr-3918	206	5	.	.	PUNCT
fsr-3918	207	1	01	01	NUM
fsr-3918	207	2	42	42	NUM
fsr-3918	207	3	1	1	NUM
fsr-3918	207	4	.	.	PUNCT
fsr-3918	207	5	00	00	NUM
fsr-3918	207	6	00	00	NUM
fsr-3918	208	1	m	m	PROPN
fsr-3918	208	2	a	a	DET
fsr-3918	208	3	le	le	X
fsr-3918	208	4	0	0	NUM
fsr-3918	208	5	.	.	PUNCT
fsr-3918	209	1	02	02	NUM
fsr-3918	209	2	40	40	NUM
fsr-3918	209	3	2	2	NUM
fsr-3918	209	4	0	0	NUM
fsr-3918	209	5	.	.	PUNCT
fsr-3918	210	1	02	02	NUM
fsr-3918	210	2	29	29	NUM
fsr-3918	210	3	2	2	NUM
fsr-3918	210	4	0	0	NUM
fsr-3918	210	5	.	.	PUNCT
fsr-3918	210	6	06	06	NUM
fsr-3918	210	7	64	64	NUM
fsr-3918	210	8	2	2	NUM
fsr-3918	210	9	0	0	NUM
fsr-3918	210	10	.	.	PUNCT
fsr-3918	211	1	02	02	NUM
fsr-3918	211	2	96	96	NUM
fsr-3918	211	3	1	1	NUM
fsr-3918	211	4	.	.	PUNCT
fsr-3918	211	5	00	00	NUM
fsr-3918	211	6	00	00	PUNCT
fsr-3918	212	1	e	e	X
fsr-3918	212	2	d	d	PUNCT
fsr-3918	212	3	u	u	X
fsr-3918	212	4	c	c	PROPN
fsr-3918	212	5	0	0	NUM
fsr-3918	212	6	.	.	PROPN
fsr-3918	213	1	01	01	NUM
fsr-3918	213	2	32	32	NUM
fsr-3918	213	3	2	2	NUM
fsr-3918	213	4	0	0	NUM
fsr-3918	213	5	.	.	PUNCT
fsr-3918	214	1	05	05	NUM
fsr-3918	215	1	31	31	NUM
fsr-3918	215	2	2	2	NUM
fsr-3918	215	3	0	0	NUM
fsr-3918	215	4	.	.	PUNCT
fsr-3918	216	1	10	10	NUM
fsr-3918	216	2	40	40	NUM
fsr-3918	216	3	2	2	NUM
fsr-3918	216	4	0	0	NUM
fsr-3918	216	5	.	.	PUNCT
fsr-3918	217	1	05	05	NUM
fsr-3918	218	1	99	99	NUM
fsr-3918	218	2	0	0	NUM
fsr-3918	218	3	.	.	PUNCT
fsr-3918	219	1	09	09	NUM
fsr-3918	219	2	53	53	NUM
fsr-3918	219	3	1	1	NUM
fsr-3918	219	4	.	.	PUNCT
fsr-3918	219	5	00	00	NUM
fsr-3918	219	6	00	00	NUM
fsr-3918	220	1	m	m	VERB
fsr-3918	220	2	a	a	DET
fsr-3918	220	3	r	r	NOUN
fsr-3918	220	4	r	r	NOUN
fsr-3918	220	5	ie	ie	X
fsr-3918	220	6	d	d	PROPN
fsr-3918	220	7	2	2	NUM
fsr-3918	220	8	0	0	NUM
fsr-3918	220	9	.	.	PUNCT
fsr-3918	221	1	03	03	NUM
fsr-3918	221	2	06	06	NUM
fsr-3918	221	3	2	2	NUM
fsr-3918	221	4	0	0	NUM
fsr-3918	221	5	.	.	PUNCT
fsr-3918	222	1	05	05	NUM
fsr-3918	223	1	74	74	NUM
fsr-3918	223	2	2	2	NUM
fsr-3918	223	3	0	0	NUM
fsr-3918	223	4	.	.	PUNCT
fsr-3918	224	1	09	09	NUM
fsr-3918	225	1	01	01	NUM
fsr-3918	225	2	2	2	NUM
fsr-3918	225	3	0	0	NUM
fsr-3918	225	4	.	.	PUNCT
fsr-3918	225	5	00	00	NUM
fsr-3918	226	1	23	23	NUM
fsr-3918	226	2	0	0	NUM
fsr-3918	226	3	.	.	X
fsr-3918	227	1	26	26	NUM
fsr-3918	227	2	22	22	NUM
fsr-3918	227	3	2	2	NUM
fsr-3918	227	4	0	0	NUM
fsr-3918	227	5	.	.	PUNCT
fsr-3918	227	6	04	04	NUM
fsr-3918	227	7	92	92	NUM
fsr-3918	227	8	1	1	NUM
fsr-3918	227	9	.	.	PUNCT
fsr-3918	227	10	00	00	NUM
fsr-3918	227	11	00	00	PUNCT
fsr-3918	228	1	p	p	NOUN
fsr-3918	228	2	la	la	PROPN
fsr-3918	228	3	n	n	ADV
fsr-3918	228	4	10	10	NUM
fsr-3918	228	5	0	0	NUM
fsr-3918	228	6	.	.	PUNCT
fsr-3918	229	1	01	01	NUM
fsr-3918	229	2	23	23	NUM
fsr-3918	229	3	2	2	NUM
fsr-3918	229	4	0	0	NUM
fsr-3918	229	5	.	.	PUNCT
fsr-3918	230	1	01	01	NUM
fsr-3918	230	2	89	89	NUM
fsr-3918	230	3	2	2	NUM
fsr-3918	230	4	0	0	NUM
fsr-3918	230	5	.	.	PUNCT
fsr-3918	230	6	03	03	NUM
fsr-3918	231	1	18	18	NUM
fsr-3918	231	2	2	2	NUM
fsr-3918	231	3	0	0	NUM
fsr-3918	231	4	.	.	PUNCT
fsr-3918	232	1	01	01	NUM
fsr-3918	232	2	08	08	NUM
fsr-3918	232	3	0	0	NUM
fsr-3918	232	4	.	.	PUNCT
fsr-3918	233	1	02	02	NUM
fsr-3918	233	2	59	59	NUM
fsr-3918	233	3	0	0	NUM
fsr-3918	233	4	.	.	PUNCT
fsr-3918	233	5	06	06	NUM
fsr-3918	234	1	29	29	NUM
fsr-3918	234	2	0	0	NUM
fsr-3918	234	3	.	.	PUNCT
fsr-3918	235	1	01	01	NUM
fsr-3918	235	2	62	62	NUM
fsr-3918	235	3	1	1	NUM
fsr-3918	235	4	.	.	PUNCT
fsr-3918	235	5	00	00	NUM
fsr-3918	235	6	00	00	NUM
fsr-3918	236	1	n	n	PRON
fsr-3918	237	1	o	o	NOUN
fsr-3918	237	2	p	p	X
fsr-3918	237	3	ld	ld	PROPN
fsr-3918	237	4	a	a	DET
fsr-3918	237	5	t	t	NOUN
fsr-3918	237	6	2	2	NUM
fsr-3918	237	7	0	0	NUM
fsr-3918	237	8	.	.	PUNCT
fsr-3918	238	1	01	01	NUM
fsr-3918	238	2	51	51	NUM
fsr-3918	238	3	0	0	NUM
fsr-3918	238	4	.	.	PUNCT
fsr-3918	239	1	03	03	NUM
fsr-3918	239	2	08	08	NUM
fsr-3918	239	3	0	0	NUM
fsr-3918	239	4	.	.	PUNCT
fsr-3918	240	1	01	01	NUM
fsr-3918	240	2	89	89	NUM
fsr-3918	240	3	0	0	NUM
fsr-3918	240	4	.	.	PUNCT
fsr-3918	241	1	03	03	NUM
fsr-3918	242	1	78	78	NUM
fsr-3918	242	2	2	2	NUM
fsr-3918	242	3	0	0	NUM
fsr-3918	242	4	.	.	PUNCT
fsr-3918	243	1	01	01	NUM
fsr-3918	244	1	07	07	NUM
fsr-3918	244	2	2	2	NUM
fsr-3918	244	3	0	0	NUM
fsr-3918	244	4	.	.	PUNCT
fsr-3918	244	5	06	06	NUM
fsr-3918	245	1	10	10	NUM
fsr-3918	245	2	2	2	NUM
fsr-3918	245	3	0	0	NUM
fsr-3918	245	4	.	.	PUNCT
fsr-3918	246	1	03	03	NUM
fsr-3918	247	1	75	75	NUM
fsr-3918	247	2	2	2	NUM
fsr-3918	247	3	0	0	NUM
fsr-3918	247	4	.	.	PUNCT
fsr-3918	247	5	04	04	NUM
fsr-3918	247	6	12	12	NUM
fsr-3918	247	7	1	1	NUM
fsr-3918	247	8	.	.	PUNCT
fsr-3918	247	9	00	00	NUM
fsr-3918	247	10	00	00	PUNCT
fsr-3918	248	1	in	in	ADP
fsr-3918	248	2	h	h	NOUN
fsr-3918	248	3	e	e	NOUN
fsr-3918	248	4	r	r	NOUN
fsr-3918	248	5	it	it	PRON
fsr-3918	248	6	0	0	NUM
fsr-3918	248	7	.	.	PUNCT
fsr-3918	248	8	00	00	NUM
fsr-3918	249	1	55	55	NUM
fsr-3918	249	2	0	0	NUM
fsr-3918	249	3	.	.	PUNCT
fsr-3918	249	4	04	04	NUM
fsr-3918	250	1	99	99	NUM
fsr-3918	250	2	0	0	NUM
fsr-3918	250	3	.	.	PUNCT
fsr-3918	251	1	05	05	NUM
fsr-3918	252	1	71	71	NUM
fsr-3918	252	2	0	0	NUM
fsr-3918	252	3	.	.	PUNCT
fsr-3918	252	4	00	00	NUM
fsr-3918	253	1	09	09	NUM
fsr-3918	253	2	2	2	NUM
fsr-3918	253	3	0	0	NUM
fsr-3918	253	4	.	.	PUNCT
fsr-3918	254	1	13	13	NUM
fsr-3918	254	2	38	38	NUM
fsr-3918	254	3	2	2	NUM
fsr-3918	254	4	0	0	NUM
fsr-3918	254	5	.	.	NOUN
fsr-3918	255	1	13	13	NUM
fsr-3918	255	2	27	27	NUM
fsr-3918	255	3	2	2	NUM
fsr-3918	255	4	0	0	NUM
fsr-3918	255	5	.	.	PUNCT
fsr-3918	255	6	11	11	NUM
fsr-3918	255	7	99	99	NUM
fsr-3918	255	8	2	2	NUM
fsr-3918	255	9	0	0	NUM
fsr-3918	255	10	.	.	PUNCT
fsr-3918	255	11	06	06	NUM
fsr-3918	256	1	43	43	NUM
fsr-3918	256	2	0	0	NUM
fsr-3918	256	3	.	.	PUNCT
fsr-3918	257	1	02	02	NUM
fsr-3918	257	2	29	29	NUM
fsr-3918	257	3	1	1	NUM
fsr-3918	257	4	.	.	PUNCT
fsr-3918	257	5	00	00	NUM
fsr-3918	257	6	00	00	NUM
fsr-3918	258	1	n	n	CCONJ
fsr-3918	258	2	o	o	NOUN
fsr-3918	258	3	in	in	ADP
fsr-3918	258	4	h	h	PROPN
fsr-3918	259	1	d	d	NOUN
fsr-3918	259	2	a	a	DET
fsr-3918	259	3	t	t	NOUN
fsr-3918	259	4	2	2	NUM
fsr-3918	259	5	0	0	NUM
fsr-3918	259	6	.	.	PUNCT
fsr-3918	259	7	00	00	NUM
fsr-3918	260	1	12	12	NUM
fsr-3918	260	2	0	0	NUM
fsr-3918	260	3	.	.	PUNCT
fsr-3918	260	4	00	00	NUM
fsr-3918	261	1	11	11	NUM
fsr-3918	261	2	0	0	NUM
fsr-3918	261	3	.	.	PUNCT
fsr-3918	261	4	00	00	NUM
fsr-3918	262	1	46	46	NUM
fsr-3918	262	2	0	0	NUM
fsr-3918	262	3	.	.	PUNCT
fsr-3918	263	1	01	01	NUM
fsr-3918	264	1	38	38	NUM
fsr-3918	264	2	0	0	NUM
fsr-3918	264	3	.	.	PUNCT
fsr-3918	265	1	05	05	NUM
fsr-3918	266	1	042	042	NUM
fsr-3918	266	2	0	0	NUM
fsr-3918	266	3	.	.	PUNCT
fsr-3918	267	1	02	02	NUM
fsr-3918	267	2	32	32	NUM
fsr-3918	267	3	0	0	NUM
fsr-3918	267	4	.	.	PUNCT
fsr-3918	268	1	03	03	NUM
fsr-3918	268	2	18	18	NUM
fsr-3918	268	3	0	0	NUM
fsr-3918	268	4	.	.	PUNCT
fsr-3918	269	1	01	01	NUM
fsr-3918	269	2	55	55	NUM
fsr-3918	269	3	0	0	NUM
fsr-3918	269	4	.	.	PUNCT
fsr-3918	270	1	02	02	NUM
fsr-3918	270	2	03	03	NUM
fsr-3918	270	3	2	2	NUM
fsr-3918	270	4	0	0	NUM
fsr-3918	270	5	.	.	PUNCT
fsr-3918	270	6	31	31	NUM
fsr-3918	270	7	35	35	NUM
fsr-3918	270	8	1	1	NUM
fsr-3918	270	9	.	.	PUNCT
fsr-3918	270	10	00	00	NUM
fsr-3918	270	11	00	00	NUM
fsr-3918	271	1	n	n	NUM
fsr-3918	271	2	e	e	NOUN
fsr-3918	271	3	t	t	PROPN
fsr-3918	271	4	w	w	NOUN
fsr-3918	271	5	o	o	NOUN
fsr-3918	271	6	r	r	NOUN
fsr-3918	271	7	t	t	NOUN
fsr-3918	271	8	h	h	NOUN
fsr-3918	271	9	0	0	PROPN
fsr-3918	271	10	.	.	PUNCT
fsr-3918	271	11	00	00	NUM
fsr-3918	272	1	28	28	NUM
fsr-3918	272	2	2	2	NUM
fsr-3918	272	3	0	0	NUM
fsr-3918	272	4	.	.	PUNCT
fsr-3918	273	1	05	05	NUM
fsr-3918	273	2	17	17	NUM
fsr-3918	273	3	2	2	NUM
fsr-3918	273	4	0	0	NUM
fsr-3918	273	5	.	.	PUNCT
fsr-3918	274	1	07	07	NUM
fsr-3918	274	2	04	04	NUM
fsr-3918	274	3	0	0	NUM
fsr-3918	274	4	.	.	NOUN
fsr-3918	274	5	03	03	NUM
fsr-3918	274	6	23	23	NUM
fsr-3918	274	7	0	0	NUM
fsr-3918	274	8	.	.	PUNCT
fsr-3918	274	9	11	11	NUM
fsr-3918	274	10	36	36	NUM
fsr-3918	274	11	0	0	NUM
fsr-3918	274	12	.	.	PROPN
fsr-3918	275	1	19	19	NUM
fsr-3918	275	2	20	20	NUM
fsr-3918	275	3	0	0	NUM
fsr-3918	275	4	.	.	PUNCT
fsr-3918	276	1	13	13	NUM
fsr-3918	276	2	22	22	NUM
fsr-3918	276	3	0	0	NUM
fsr-3918	276	4	.	.	PUNCT
fsr-3918	276	5	08	08	NUM
fsr-3918	277	1	362	362	NUM
fsr-3918	277	2	0	0	NUM
fsr-3918	277	3	.	.	PUNCT
fsr-3918	277	4	00	00	NUM
fsr-3918	278	1	97	97	NUM
fsr-3918	278	2	2	2	NUM
fsr-3918	278	3	0	0	NUM
fsr-3918	278	4	.	.	NOUN
fsr-3918	279	1	24	24	NUM
fsr-3918	279	2	33	33	NUM
fsr-3918	279	3	2	2	NUM
fsr-3918	279	4	0	0	NUM
fsr-3918	279	5	.	.	PUNCT
fsr-3918	280	1	02	02	NUM
fsr-3918	280	2	23	23	NUM
fsr-3918	280	3	1	1	NUM
fsr-3918	280	4	.	.	PUNCT
fsr-3918	280	5	00	00	NUM
fsr-3918	280	6	0	0	NUM
fsr-3918	281	1	168	168	NUM
fsr-3918	281	2	g.	g.	PROPN
fsr-3918	281	3	hariharan	hariharan	PROPN
fsr-3918	281	4	et	et	PROPN
fsr-3918	281	5	al	al	PROPN
fsr-3918	281	6	.	.	PUNCT
fsr-3918	281	7	/	/	SYM
fsr-3918	281	8	financial	financial	ADJ
fsr-3918	281	9	services	service	NOUN
fsr-3918	281	10	review	review	VERB
fsr-3918	281	11	9	9	NUM
fsr-3918	281	12	(	(	PUNCT
fsr-3918	281	13	2000	2000	NUM
fsr-3918	281	14	)	)	PUNCT
fsr-3918	282	1	159–170	159–170	NUM
fsr-3918	282	2	uncorrelated	uncorrelate	VERB
fsr-3918	282	3	with	with	ADP
fsr-3918	282	4	the	the	DET
fsr-3918	282	5	other	other	ADJ
fsr-3918	282	6	x	x	NOUN
fsr-3918	282	7	’s	’s	PART
fsr-3918	282	8	(	(	PUNCT
fsr-3918	282	9	judge	judge	PROPN
fsr-3918	282	10	,	,	PUNCT
fsr-3918	282	11	hill	hill	PROPN
fsr-3918	282	12	,	,	PUNCT
fsr-3918	282	13	griffiths	griffiths	PROPN
fsr-3918	282	14	,	,	PUNCT
fsr-3918	282	15	lutkepohl	lutkepohl	PROPN
fsr-3918	282	16	&	&	CCONJ
fsr-3918	282	17	lee	lee	PROPN
fsr-3918	282	18	,	,	PUNCT
fsr-3918	282	19	1988	1988	NUM
fsr-3918	282	20	)	)	PUNCT
fsr-3918	282	21	.	.	PUNCT
fsr-3918	283	1	a	a	DET
fsr-3918	283	2	value	value	NOUN
fsr-3918	283	3	of	of	ADP
fsr-3918	283	4	5.0	5.0	NUM
fsr-3918	283	5	is	be	AUX
fsr-3918	283	6	quite	quite	ADV
fsr-3918	283	7	often	often	ADV
fsr-3918	283	8	used	use	VERB
fsr-3918	283	9	as	as	ADP
fsr-3918	283	10	an	an	DET
fsr-3918	283	11	indication	indication	NOUN
fsr-3918	283	12	of	of	ADP
fsr-3918	283	13	severe	severe	ADJ
fsr-3918	283	14	multicollinearity	multicollinearity	NOUN
fsr-3918	283	15	(	(	PUNCT
fsr-3918	283	16	marquardt	marquardt	PROPN
fsr-3918	283	17	&	&	CCONJ
fsr-3918	283	18	snee	snee	PROPN
fsr-3918	283	19	,	,	PUNCT
fsr-3918	283	20	1975	1975	NUM
fsr-3918	283	21	)	)	PUNCT
fsr-3918	283	22	.	.	PUNCT
fsr-3918	284	1	in	in	ADP
fsr-3918	284	2	our	our	PRON
fsr-3918	284	3	case	case	NOUN
fsr-3918	284	4	,	,	PUNCT
fsr-3918	284	5	the	the	DET
fsr-3918	284	6	vifs	vif	NOUN
fsr-3918	284	7	ranged	range	VERB
fsr-3918	284	8	from	from	ADP
fsr-3918	284	9	a	a	DET
fsr-3918	284	10	minimum	minimum	NOUN
fsr-3918	284	11	1.01	1.01	NUM
fsr-3918	284	12	to	to	ADP
fsr-3918	284	13	a	a	DET
fsr-3918	284	14	maximum	maximum	NOUN
fsr-3918	284	15	of	of	ADP
fsr-3918	284	16	1.41	1.41	NUM
fsr-3918	284	17	,	,	PUNCT
fsr-3918	284	18	indicating	indicate	VERB
fsr-3918	284	19	that	that	SCONJ
fsr-3918	284	20	multicollinearity	multicollinearity	NOUN
fsr-3918	284	21	among	among	ADP
fsr-3918	284	22	the	the	DET
fsr-3918	284	23	right	right	ADJ
fsr-3918	284	24	-	-	PUNCT
fsr-3918	284	25	side	side	NOUN
fsr-3918	284	26	variables	variable	NOUN
fsr-3918	284	27	in	in	ADP
fsr-3918	284	28	table	table	NOUN
fsr-3918	284	29	2	2	NUM
fsr-3918	284	30	is	be	AUX
fsr-3918	284	31	not	not	PART
fsr-3918	284	32	a	a	DET
fsr-3918	284	33	significant	significant	ADJ
fsr-3918	284	34	problem	problem	NOUN
fsr-3918	284	35	.	.	PUNCT
fsr-3918	285	1	5	5	X
fsr-3918	285	2	.	.	X
fsr-3918	285	3	conclusions	conclusion	NOUN
fsr-3918	285	4	and	and	CCONJ
fsr-3918	285	5	future	future	ADJ
fsr-3918	285	6	research	research	NOUN
fsr-3918	285	7	our	our	PRON
fsr-3918	285	8	regression	regression	NOUN
fsr-3918	285	9	evidence	evidence	NOUN
fsr-3918	285	10	suggests	suggest	VERB
fsr-3918	285	11	that	that	SCONJ
fsr-3918	285	12	risk	risk	NOUN
fsr-3918	285	13	-	-	PUNCT
fsr-3918	285	14	tolerant	tolerant	ADJ
fsr-3918	285	15	individuals	individual	NOUN
fsr-3918	285	16	invest	invest	VERB
fsr-3918	285	17	lesser	less	ADJ
fsr-3918	285	18	amounts	amount	NOUN
fsr-3918	285	19	in	in	ADP
fsr-3918	285	20	treasury	treasury	NOUN
fsr-3918	285	21	bills	bill	NOUN
fsr-3918	285	22	.	.	PUNCT
fsr-3918	286	1	to	to	ADP
fsr-3918	286	2	the	the	DET
fsr-3918	286	3	extent	extent	NOUN
fsr-3918	286	4	that	that	SCONJ
fsr-3918	286	5	t	t	PROPN
fsr-3918	286	6	-	-	PUNCT
fsr-3918	286	7	bills	bill	NOUN
fsr-3918	286	8	are	be	AUX
fsr-3918	286	9	a	a	DET
fsr-3918	286	10	reasonable	reasonable	ADJ
fsr-3918	286	11	approximation	approximation	NOUN
fsr-3918	286	12	to	to	ADP
fsr-3918	286	13	the	the	DET
fsr-3918	286	14	capital	capital	NOUN
fsr-3918	286	15	asset	asset	NOUN
fsr-3918	286	16	pricing	pricing	NOUN
fsr-3918	286	17	model	model	NOUN
fsr-3918	286	18	’s	’s	PART
fsr-3918	286	19	risk	risk	NOUN
fsr-3918	286	20	-	-	PUNCT
fsr-3918	286	21	free	free	ADJ
fsr-3918	286	22	asset	asset	NOUN
fsr-3918	286	23	,	,	PUNCT
fsr-3918	286	24	this	this	PRON
fsr-3918	286	25	tends	tend	VERB
fsr-3918	286	26	to	to	PART
fsr-3918	286	27	confirm	confirm	VERB
fsr-3918	286	28	the	the	DET
fsr-3918	286	29	capm	capm	PROPN
fsr-3918	286	30	prediction	prediction	NOUN
fsr-3918	286	31	that	that	SCONJ
fsr-3918	286	32	risk	risk	NOUN
fsr-3918	286	33	-	-	PUNCT
fsr-3918	286	34	tolerant	tolerant	ADJ
fsr-3918	286	35	investors	investor	NOUN
fsr-3918	286	36	will	will	AUX
fsr-3918	286	37	hold	hold	VERB
fsr-3918	286	38	a	a	DET
fsr-3918	286	39	smaller	small	ADJ
fsr-3918	286	40	fraction	fraction	NOUN
fsr-3918	286	41	of	of	ADP
fsr-3918	286	42	their	their	PRON
fsr-3918	286	43	investments	investment	NOUN
fsr-3918	286	44	in	in	ADP
fsr-3918	286	45	the	the	DET
fsr-3918	286	46	risk	risk	NOUN
fsr-3918	286	47	-	-	PUNCT
fsr-3918	286	48	free	free	ADJ
fsr-3918	286	49	asset	asset	NOUN
fsr-3918	286	50	.	.	PUNCT
fsr-3918	287	1	in	in	ADP
fsr-3918	287	2	addition	addition	NOUN
fsr-3918	287	3	,	,	PUNCT
fsr-3918	287	4	we	we	PRON
fsr-3918	287	5	found	find	VERB
fsr-3918	287	6	that	that	SCONJ
fsr-3918	287	7	the	the	DET
fsr-3918	287	8	division	division	NOUN
fsr-3918	287	9	of	of	ADP
fsr-3918	287	10	individual	individual	ADJ
fsr-3918	287	11	portfolios	portfolio	NOUN
fsr-3918	287	12	between	between	ADP
fsr-3918	287	13	stocks	stock	NOUN
fsr-3918	287	14	and	and	CCONJ
fsr-3918	287	15	bonds	bond	NOUN
fsr-3918	287	16	was	be	AUX
fsr-3918	287	17	not	not	PART
fsr-3918	287	18	systematically	systematically	ADV
fsr-3918	287	19	related	relate	VERB
fsr-3918	287	20	to	to	ADP
fsr-3918	287	21	our	our	PRON
fsr-3918	287	22	measure	measure	NOUN
fsr-3918	287	23	of	of	ADP
fsr-3918	287	24	risk	risk	NOUN
fsr-3918	287	25	tolerance	tolerance	NOUN
fsr-3918	287	26	.	.	PUNCT
fsr-3918	288	1	this	this	PRON
fsr-3918	288	2	is	be	AUX
fsr-3918	288	3	broadly	broadly	ADV
fsr-3918	288	4	consistent	consistent	ADJ
fsr-3918	288	5	with	with	ADP
fsr-3918	288	6	the	the	DET
fsr-3918	288	7	capm	capm	PROPN
fsr-3918	288	8	notion	notion	NOUN
fsr-3918	288	9	that	that	SCONJ
fsr-3918	288	10	risk	risk	NOUN
fsr-3918	288	11	tolerance	tolerance	NOUN
fsr-3918	288	12	plays	play	VERB
fsr-3918	288	13	no	no	DET
fsr-3918	288	14	role	role	NOUN
fsr-3918	288	15	in	in	ADP
fsr-3918	288	16	the	the	DET
fsr-3918	288	17	composition	composition	NOUN
fsr-3918	288	18	of	of	ADP
fsr-3918	288	19	the	the	DET
fsr-3918	288	20	risky	risky	ADJ
fsr-3918	288	21	portfolio	portfolio	NOUN
fsr-3918	288	22	.	.	PUNCT
fsr-3918	289	1	several	several	ADJ
fsr-3918	289	2	authors	author	NOUN
fsr-3918	289	3	,	,	PUNCT
fsr-3918	289	4	including	include	VERB
fsr-3918	289	5	bajtelsmit	bajtelsmit	NOUN
fsr-3918	289	6	et	et	PROPN
fsr-3918	289	7	al	al	PROPN
fsr-3918	289	8	.	.	PUNCT
fsr-3918	289	9	(	(	PUNCT
fsr-3918	289	10	1999	1999	NUM
fsr-3918	289	11	)	)	PUNCT
fsr-3918	289	12	,	,	PUNCT
fsr-3918	289	13	reichenstein	reichenstein	NOUN
fsr-3918	289	14	(	(	PUNCT
fsr-3918	289	15	1999	1999	NUM
fsr-3918	289	16	)	)	PUNCT
fsr-3918	289	17	,	,	PUNCT
fsr-3918	289	18	and	and	CCONJ
fsr-3918	289	19	yuh	yuh	PROPN
fsr-3918	289	20	,	,	PUNCT
fsr-3918	289	21	hanna	hanna	PROPN
fsr-3918	289	22	and	and	CCONJ
fsr-3918	289	23	montalto	montalto	PROPN
fsr-3918	289	24	(	(	PUNCT
fsr-3918	289	25	1999	1999	NUM
fsr-3918	289	26	)	)	PUNCT
fsr-3918	289	27	,	,	PUNCT
fsr-3918	289	28	have	have	AUX
fsr-3918	289	29	noted	note	VERB
fsr-3918	289	30	that	that	SCONJ
fsr-3918	289	31	attitude	attitude	NOUN
fsr-3918	289	32	toward	toward	ADP
fsr-3918	289	33	risk	risk	NOUN
fsr-3918	289	34	is	be	AUX
fsr-3918	289	35	an	an	DET
fsr-3918	289	36	important	important	ADJ
fsr-3918	289	37	determinant	determinant	NOUN
fsr-3918	289	38	of	of	ADP
fsr-3918	289	39	asset	asset	NOUN
fsr-3918	289	40	accumulation	accumulation	NOUN
fsr-3918	289	41	for	for	ADP
fsr-3918	289	42	retirement	retirement	NOUN
fsr-3918	289	43	.	.	PUNCT
fsr-3918	290	1	increasingly	increasingly	ADV
fsr-3918	290	2	,	,	PUNCT
fsr-3918	290	3	individuals	individual	NOUN
fsr-3918	290	4	are	be	AUX
fsr-3918	290	5	able	able	ADJ
fsr-3918	290	6	to	to	PART
fsr-3918	290	7	allocate	allocate	VERB
fsr-3918	290	8	their	their	PRON
fsr-3918	290	9	pension	pension	NOUN
fsr-3918	290	10	assets	asset	NOUN
fsr-3918	290	11	between	between	ADP
fsr-3918	290	12	stocks	stock	NOUN
fsr-3918	290	13	and	and	CCONJ
fsr-3918	290	14	bonds	bond	NOUN
fsr-3918	290	15	or	or	CCONJ
fsr-3918	290	16	are	be	AUX
fsr-3918	290	17	making	make	VERB
fsr-3918	290	18	all	all	PRON
fsr-3918	290	19	of	of	ADP
fsr-3918	290	20	the	the	DET
fsr-3918	290	21	decisions	decision	NOUN
fsr-3918	290	22	on	on	ADP
fsr-3918	290	23	their	their	PRON
fsr-3918	290	24	own	own	ADJ
fsr-3918	290	25	.	.	PUNCT
fsr-3918	291	1	if	if	SCONJ
fsr-3918	291	2	many	many	ADJ
fsr-3918	291	3	individuals	individual	NOUN
fsr-3918	291	4	differ	differ	VERB
fsr-3918	291	5	significantly	significantly	ADV
fsr-3918	291	6	in	in	ADP
fsr-3918	291	7	risk	risk	NOUN
fsr-3918	291	8	tolerance	tolerance	NOUN
fsr-3918	291	9	from	from	ADP
fsr-3918	291	10	the	the	DET
fsr-3918	291	11	fund	fund	NOUN
fsr-3918	291	12	managers	manager	NOUN
fsr-3918	291	13	that	that	PRON
fsr-3918	291	14	traditionally	traditionally	ADV
fsr-3918	291	15	performed	perform	VERB
fsr-3918	291	16	this	this	DET
fsr-3918	291	17	task	task	NOUN
fsr-3918	291	18	,	,	PUNCT
fsr-3918	291	19	retirement	retirement	NOUN
fsr-3918	291	20	preparedness	preparedness	NOUN
fsr-3918	291	21	will	will	AUX
fsr-3918	291	22	become	become	VERB
fsr-3918	291	23	much	much	ADV
fsr-3918	291	24	more	more	ADJ
fsr-3918	291	25	variable	variable	ADJ
fsr-3918	291	26	in	in	ADP
fsr-3918	291	27	years	year	NOUN
fsr-3918	291	28	to	to	PART
fsr-3918	291	29	come	come	VERB
fsr-3918	291	30	.	.	PUNCT
fsr-3918	292	1	our	our	PRON
fsr-3918	292	2	data	datum	NOUN
fsr-3918	292	3	confirm	confirm	VERB
fsr-3918	292	4	the	the	DET
fsr-3918	292	5	work	work	NOUN
fsr-3918	292	6	of	of	ADP
fsr-3918	292	7	bajtelsmit	bajtelsmit	NOUN
fsr-3918	292	8	et	et	PROPN
fsr-3918	292	9	al	al	PROPN
fsr-3918	292	10	.	.	PUNCT
fsr-3918	293	1	(	(	PUNCT
fsr-3918	293	2	1999	1999	NUM
fsr-3918	293	3	)	)	PUNCT
fsr-3918	293	4	,	,	PUNCT
fsr-3918	293	5	for	for	ADP
fsr-3918	293	6	example	example	NOUN
fsr-3918	293	7	,	,	PUNCT
fsr-3918	293	8	that	that	SCONJ
fsr-3918	293	9	among	among	ADP
fsr-3918	293	10	people	people	NOUN
fsr-3918	293	11	nearing	near	VERB
fsr-3918	293	12	retirement	retirement	NOUN
fsr-3918	293	13	risk	risk	NOUN
fsr-3918	293	14	tolerance	tolerance	NOUN
fsr-3918	293	15	is	be	AUX
fsr-3918	293	16	greater	great	ADJ
fsr-3918	293	17	for	for	ADP
fsr-3918	293	18	men	man	NOUN
fsr-3918	293	19	than	than	ADP
fsr-3918	293	20	for	for	ADP
fsr-3918	293	21	women	woman	NOUN
fsr-3918	293	22	.	.	PUNCT
fsr-3918	294	1	this	this	PRON
fsr-3918	294	2	suggests	suggest	VERB
fsr-3918	294	3	that	that	SCONJ
fsr-3918	294	4	women	woman	NOUN
fsr-3918	294	5	will	will	AUX
fsr-3918	294	6	likely	likely	ADV
fsr-3918	294	7	accumulate	accumulate	VERB
fsr-3918	294	8	substantially	substantially	ADV
fsr-3918	294	9	less	less	ADJ
fsr-3918	294	10	wealth	wealth	NOUN
fsr-3918	294	11	due	due	ADP
fsr-3918	294	12	to	to	ADP
fsr-3918	294	13	a	a	DET
fsr-3918	294	14	taste	taste	NOUN
fsr-3918	294	15	for	for	ADP
fsr-3918	294	16	low	low	ADJ
fsr-3918	294	17	-	-	PUNCT
fsr-3918	294	18	risk	risk	NOUN
fsr-3918	294	19	,	,	PUNCT
fsr-3918	294	20	low	low	ADJ
fsr-3918	294	21	-	-	PUNCT
fsr-3918	294	22	return	return	NOUN
fsr-3918	294	23	assets	asset	NOUN
fsr-3918	294	24	.	.	PUNCT
fsr-3918	295	1	research	research	NOUN
fsr-3918	295	2	linking	link	VERB
fsr-3918	295	3	measures	measure	NOUN
fsr-3918	295	4	of	of	ADP
fsr-3918	295	5	risk	risk	NOUN
fsr-3918	295	6	-	-	PUNCT
fsr-3918	295	7	tolerance	tolerance	NOUN
fsr-3918	295	8	available	available	ADJ
fsr-3918	295	9	in	in	ADP
fsr-3918	295	10	thehealth	thehealth	PROPN
fsr-3918	295	11	and	and	CCONJ
fsr-3918	295	12	retirement	retirement	PROPN
fsr-3918	295	13	surveyand	surveyand	NOUN
fsr-3918	295	14	survey	survey	NOUN
fsr-3918	295	15	of	of	ADP
fsr-3918	295	16	consumer	consumer	NOUN
fsr-3918	295	17	financesto	financesto	NOUN
fsr-3918	295	18	more	more	ADV
fsr-3918	295	19	generally	generally	ADV
fsr-3918	295	20	available	available	ADJ
fsr-3918	295	21	data	datum	NOUN
fsr-3918	295	22	such	such	ADJ
fsr-3918	295	23	as	as	ADP
fsr-3918	295	24	race	race	NOUN
fsr-3918	295	25	,	,	PUNCT
fsr-3918	295	26	gender	gender	NOUN
fsr-3918	295	27	and	and	CCONJ
fsr-3918	295	28	occupation	occupation	NOUN
fsr-3918	295	29	may	may	AUX
fsr-3918	295	30	help	help	VERB
fsr-3918	295	31	predict	predict	VERB
fsr-3918	295	32	future	future	ADJ
fsr-3918	295	33	preparedness	preparedness	NOUN
fsr-3918	295	34	for	for	ADP
fsr-3918	295	35	retirement	retirement	NOUN
fsr-3918	295	36	.	.	PUNCT
fsr-3918	296	1	acknowledgments	acknowledgment	NOUN
fsr-3918	296	2	we	we	PRON
fsr-3918	296	3	are	be	AUX
fsr-3918	296	4	grateful	grateful	ADJ
fsr-3918	296	5	for	for	ADP
fsr-3918	296	6	helpful	helpful	ADJ
fsr-3918	296	7	comments	comment	NOUN
fsr-3918	296	8	from	from	ADP
fsr-3918	296	9	robert	robert	PROPN
fsr-3918	296	10	hagerman	hagerman	PROPN
fsr-3918	296	11	,	,	PUNCT
fsr-3918	296	12	joseph	joseph	PROPN
fsr-3918	296	13	ogden	ogden	PROPN
fsr-3918	296	14	,	,	PUNCT
fsr-3918	296	15	david	david	PROPN
fsr-3918	296	16	weil	weil	PROPN
fsr-3918	296	17	,	,	PUNCT
fsr-3918	296	18	two	two	NUM
fsr-3918	296	19	anonymous	anonymous	ADJ
fsr-3918	296	20	referees	referee	NOUN
fsr-3918	296	21	,	,	PUNCT
fsr-3918	296	22	and	and	CCONJ
fsr-3918	296	23	the	the	DET
fsr-3918	296	24	editor	editor	NOUN
fsr-3918	296	25	,	,	PUNCT
fsr-3918	296	26	karen	karen	PROPN
fsr-3918	296	27	eilers	eilers	PROPN
fsr-3918	296	28	lahey	lahey	PROPN
fsr-3918	296	29	.	.	PUNCT
fsr-3918	297	1	we	we	PRON
fsr-3918	297	2	also	also	ADV
fsr-3918	297	3	acknowledge	acknowledge	VERB
fsr-3918	297	4	summer	summer	NOUN
fsr-3918	297	5	research	research	NOUN
fsr-3918	297	6	support	support	NOUN
fsr-3918	297	7	for	for	ADP
fsr-3918	297	8	govind	govind	PROPN
fsr-3918	297	9	hariharan	hariharan	PROPN
fsr-3918	297	10	from	from	ADP
fsr-3918	297	11	the	the	DET
fsr-3918	297	12	school	school	NOUN
fsr-3918	297	13	of	of	ADP
fsr-3918	297	14	management	management	NOUN
fsr-3918	297	15	of	of	ADP
fsr-3918	297	16	the	the	DET
fsr-3918	297	17	university	university	NOUN
fsr-3918	297	18	at	at	ADP
fsr-3918	297	19	buffalo	buffalo	PROPN
fsr-3918	297	20	.	.	PUNCT
fsr-3918	298	1	references	reference	NOUN
fsr-3918	298	2	bellante	bellante	PROPN
fsr-3918	298	3	,	,	PUNCT
fsr-3918	298	4	d.	d.	PROPN
fsr-3918	298	5	,	,	PUNCT
fsr-3918	298	6	&	&	CCONJ
fsr-3918	298	7	saba	saba	PROPN
fsr-3918	298	8	,	,	PUNCT
fsr-3918	298	9	r.	r.	PROPN
fsr-3918	298	10	(	(	PUNCT
fsr-3918	298	11	1986	1986	NUM
fsr-3918	298	12	)	)	PUNCT
fsr-3918	298	13	.	.	PUNCT
fsr-3918	299	1	human	human	ADJ
fsr-3918	299	2	capital	capital	NOUN
fsr-3918	299	3	and	and	CCONJ
fsr-3918	299	4	life	life	NOUN
fsr-3918	299	5	-	-	PUNCT
fsr-3918	299	6	cycle	cycle	NOUN
fsr-3918	299	7	effects	effect	NOUN
fsr-3918	299	8	on	on	ADP
fsr-3918	299	9	risk	risk	NOUN
fsr-3918	299	10	aversion.journal	aversion.journal	PROPN
fsr-3918	299	11	of	of	ADP
fsr-3918	299	12	financial	financial	ADJ
fsr-3918	299	13	research	research	NOUN
fsr-3918	299	14	,	,	PUNCT
fsr-3918	299	15	9,41–51	9,41–51	NUM
fsr-3918	299	16	.	.	PUNCT
fsr-3918	299	17	bajtelsmit	bajtelsmit	NOUN
fsr-3918	299	18	,	,	PUNCT
fsr-3918	299	19	v.	v.	ADV
fsr-3918	299	20	,	,	PUNCT
fsr-3918	299	21	bernasek	bernasek	PROPN
fsr-3918	299	22	,	,	PUNCT
fsr-3918	299	23	a.	a.	NOUN
fsr-3918	299	24	,	,	PUNCT
fsr-3918	299	25	&	&	CCONJ
fsr-3918	299	26	jianakoplos	jianakoplos	PROPN
fsr-3918	299	27	,	,	PUNCT
fsr-3918	299	28	n.	n.	PROPN
fsr-3918	299	29	(	(	PUNCT
fsr-3918	299	30	1999	1999	NUM
fsr-3918	299	31	)	)	PUNCT
fsr-3918	299	32	.	.	PUNCT
fsr-3918	300	1	gender	gender	NOUN
fsr-3918	300	2	differences	difference	NOUN
fsr-3918	300	3	in	in	ADP
fsr-3918	300	4	defined	define	VERB
fsr-3918	300	5	contribution	contribution	NOUN
fsr-3918	300	6	pension	pension	NOUN
fsr-3918	300	7	decisions.financial	decisions.financial	PROPN
fsr-3918	300	8	services	service	NOUN
fsr-3918	300	9	review	review	NOUN
fsr-3918	300	10	,	,	PUNCT
fsr-3918	300	11	8,1–10	8,1–10	NUM
fsr-3918	300	12	.	.	PUNCT
fsr-3918	301	1	brinson	brinson	PROPN
fsr-3918	301	2	,	,	PUNCT
fsr-3918	301	3	g.	g.	PROPN
fsr-3918	301	4	,	,	PUNCT
fsr-3918	301	5	hood	hood	PROPN
fsr-3918	301	6	,	,	PUNCT
fsr-3918	301	7	l.	l.	PROPN
fsr-3918	301	8	r.	r.	PROPN
fsr-3918	301	9	,	,	PUNCT
fsr-3918	301	10	&	&	CCONJ
fsr-3918	301	11	beebower	beebower	PROPN
fsr-3918	301	12	,	,	PUNCT
fsr-3918	301	13	g.	g.	PROPN
fsr-3918	301	14	(	(	PUNCT
fsr-3918	301	15	1986	1986	NUM
fsr-3918	301	16	)	)	PUNCT
fsr-3918	301	17	.	.	PUNCT
fsr-3918	302	1	determinants	determinant	NOUN
fsr-3918	302	2	of	of	ADP
fsr-3918	302	3	portfolio	portfolio	NOUN
fsr-3918	302	4	performance.financial	performance.financial	ADJ
fsr-3918	302	5	analysts	analyst	NOUN
fsr-3918	302	6	journal	journal	NOUN
fsr-3918	302	7	,	,	PUNCT
fsr-3918	302	8	42,39–44	42,39–44	PROPN
fsr-3918	302	9	.	.	NOUN
fsr-3918	302	10	169	169	NUM
fsr-3918	302	11	g.	g.	PROPN
fsr-3918	302	12	hariharan	hariharan	PROPN
fsr-3918	302	13	et	et	PROPN
fsr-3918	302	14	al	al	PROPN
fsr-3918	302	15	.	.	PUNCT
fsr-3918	302	16	/	/	SYM
fsr-3918	302	17	financial	financial	ADJ
fsr-3918	302	18	services	service	NOUN
fsr-3918	302	19	review	review	VERB
fsr-3918	302	20	9	9	NUM
fsr-3918	302	21	(	(	PUNCT
fsr-3918	302	22	2000	2000	NUM
fsr-3918	302	23	)	)	PUNCT
fsr-3918	302	24	159–170	159–170	NUM
fsr-3918	302	25	butler	butler	NOUN
fsr-3918	302	26	,	,	PUNCT
fsr-3918	302	27	k.	k.	PROPN
fsr-3918	302	28	,	,	PUNCT
fsr-3918	302	29	&	&	CCONJ
fsr-3918	302	30	domian	domian	PROPN
fsr-3918	302	31	,	,	PUNCT
fsr-3918	302	32	d.	d.	PROPN
fsr-3918	302	33	(	(	PUNCT
fsr-3918	302	34	1993	1993	NUM
fsr-3918	302	35	)	)	PUNCT
fsr-3918	302	36	.	.	PUNCT
fsr-3918	303	1	long	long	ADV
fsr-3918	303	2	-	-	PUNCT
fsr-3918	303	3	run	run	NOUN
fsr-3918	303	4	returns	return	NOUN
fsr-3918	303	5	on	on	ADP
fsr-3918	303	6	stock	stock	NOUN
fsr-3918	303	7	and	and	CCONJ
fsr-3918	303	8	bond	bond	NOUN
fsr-3918	303	9	portfolios	portfolio	NOUN
fsr-3918	303	10	:	:	PUNCT
fsr-3918	303	11	implications	implication	NOUN
fsr-3918	303	12	for	for	ADP
fsr-3918	303	13	retirement	retirement	NOUN
fsr-3918	303	14	planning.financial	planning.financial	PROPN
fsr-3918	303	15	services	service	NOUN
fsr-3918	303	16	review	review	NOUN
fsr-3918	303	17	,	,	PUNCT
fsr-3918	303	18	2,41–50	2,41–50	NOUN
fsr-3918	303	19	.	.	PUNCT
fsr-3918	303	20	canner	canner	NOUN
fsr-3918	303	21	,	,	PUNCT
fsr-3918	303	22	n.	n.	NOUN
fsr-3918	303	23	,	,	PUNCT
fsr-3918	303	24	mankiw	mankiw	PROPN
fsr-3918	303	25	,	,	PUNCT
fsr-3918	303	26	n.	n.	PROPN
fsr-3918	303	27	g.	g.	PROPN
fsr-3918	303	28	,	,	PUNCT
fsr-3918	303	29	&	&	CCONJ
fsr-3918	303	30	weil	weil	PROPN
fsr-3918	303	31	,	,	PUNCT
fsr-3918	303	32	d.	d.	PROPN
fsr-3918	303	33	(	(	PUNCT
fsr-3918	303	34	1997	1997	NUM
fsr-3918	303	35	)	)	PUNCT
fsr-3918	303	36	.	.	PUNCT
fsr-3918	304	1	an	an	DET
fsr-3918	304	2	asset	asset	NOUN
fsr-3918	304	3	allocation	allocation	NOUN
fsr-3918	304	4	puzzle.american	puzzle.american	PROPN
fsr-3918	304	5	economic	economic	ADJ
fsr-3918	304	6	review	review	NOUN
fsr-3918	304	7	,	,	PUNCT
fsr-3918	304	8	87	87	NUM
fsr-3918	304	9	,	,	PUNCT
fsr-3918	304	10	181–191	181–191	NUM
fsr-3918	304	11	.	.	PUNCT
fsr-3918	305	1	friend	friend	NOUN
fsr-3918	305	2	,	,	PUNCT
fsr-3918	305	3	i.	i.	PROPN
fsr-3918	305	4	,	,	PUNCT
fsr-3918	305	5	&	&	CCONJ
fsr-3918	305	6	blume	blume	PROPN
fsr-3918	305	7	,	,	PUNCT
fsr-3918	305	8	m.	m.	NOUN
fsr-3918	305	9	(	(	PUNCT
fsr-3918	305	10	1975	1975	NUM
fsr-3918	305	11	)	)	PUNCT
fsr-3918	305	12	.	.	PUNCT
fsr-3918	306	1	the	the	DET
fsr-3918	306	2	demand	demand	NOUN
fsr-3918	306	3	for	for	ADP
fsr-3918	306	4	risky	risky	ADJ
fsr-3918	306	5	assets.american	assets.american	PROPN
fsr-3918	306	6	economic	economic	ADJ
fsr-3918	306	7	review	review	NOUN
fsr-3918	306	8	,	,	PUNCT
fsr-3918	306	9	65,900–922	65,900–922	NUM
fsr-3918	306	10	.	.	PUNCT
fsr-3918	306	11	gunthorpe	gunthorpe	PROPN
fsr-3918	306	12	,	,	PUNCT
fsr-3918	306	13	d.	d.	PROPN
fsr-3918	306	14	,	,	PUNCT
fsr-3918	306	15	&	&	CCONJ
fsr-3918	306	16	levy	levy	PROPN
fsr-3918	306	17	,	,	PUNCT
fsr-3918	306	18	h.	h.	PROPN
fsr-3918	306	19	(	(	PUNCT
fsr-3918	306	20	1994	1994	NUM
fsr-3918	306	21	)	)	PUNCT
fsr-3918	306	22	.	.	PUNCT
fsr-3918	307	1	portfolio	portfolio	NOUN
fsr-3918	307	2	composition	composition	NOUN
fsr-3918	307	3	and	and	CCONJ
fsr-3918	307	4	the	the	DET
fsr-3918	307	5	investment	investment	NOUN
fsr-3918	307	6	horizon.financial	horizon.financial	PROPN
fsr-3918	307	7	analysts	analyst	NOUN
fsr-3918	307	8	journal	journal	NOUN
fsr-3918	307	9	,	,	PUNCT
fsr-3918	307	10	50	50	NUM
fsr-3918	307	11	,	,	PUNCT
fsr-3918	307	12	51–56	51–56	NUM
fsr-3918	307	13	.	.	PUNCT
fsr-3918	308	1	ho	ho	PROPN
fsr-3918	308	2	,	,	PUNCT
fsr-3918	308	3	k.	k.	PROPN
fsr-3918	308	4	,	,	PUNCT
fsr-3918	308	5	milevsky	milevsky	NOUN
fsr-3918	308	6	,	,	PUNCT
fsr-3918	308	7	m.	m.	NOUN
fsr-3918	308	8	,	,	PUNCT
fsr-3918	308	9	&	&	CCONJ
fsr-3918	308	10	robinson	robinson	PROPN
fsr-3918	308	11	,	,	PUNCT
fsr-3918	308	12	c.	c.	PROPN
fsr-3918	308	13	(	(	PUNCT
fsr-3918	308	14	1994	1994	NUM
fsr-3918	308	15	)	)	PUNCT
fsr-3918	308	16	.	.	PUNCT
fsr-3918	309	1	asset	asset	NOUN
fsr-3918	309	2	allocation	allocation	NOUN
fsr-3918	309	3	,	,	PUNCT
fsr-3918	309	4	life	life	NOUN
fsr-3918	309	5	expectancy	expectancy	NOUN
fsr-3918	309	6	,	,	PUNCT
fsr-3918	309	7	and	and	CCONJ
fsr-3918	309	8	shortfall.financial	shortfall.financial	ADJ
fsr-3918	309	9	services	service	NOUN
fsr-3918	309	10	review	review	NOUN
fsr-3918	309	11	,	,	PUNCT
fsr-3918	309	12	3,109–126	3,109–126	PROPN
fsr-3918	309	13	.	.	PUNCT
fsr-3918	310	1	judge	judge	PROPN
fsr-3918	310	2	,	,	PUNCT
fsr-3918	310	3	g.	g.	PROPN
fsr-3918	310	4	,	,	PUNCT
fsr-3918	310	5	hill	hill	PROPN
fsr-3918	310	6	,	,	PUNCT
fsr-3918	310	7	r.	r.	PROPN
fsr-3918	310	8	,	,	PUNCT
fsr-3918	310	9	griffiths	griffiths	PROPN
fsr-3918	310	10	,	,	PUNCT
fsr-3918	310	11	w.	w.	PROPN
fsr-3918	310	12	,	,	PUNCT
fsr-3918	310	13	lutkepohl	lutkepohl	PROPN
fsr-3918	310	14	,	,	PUNCT
fsr-3918	310	15	h.	h.	PROPN
fsr-3918	310	16	,	,	PUNCT
fsr-3918	310	17	&	&	CCONJ
fsr-3918	310	18	lee	lee	PROPN
fsr-3918	310	19	,	,	PUNCT
fsr-3918	310	20	t.	t.	PROPN
fsr-3918	310	21	(	(	PUNCT
fsr-3918	310	22	1988).introduction	1988).introduction	NUM
fsr-3918	310	23	to	to	ADP
fsr-3918	310	24	the	the	DET
fsr-3918	310	25	theory	theory	NOUN
fsr-3918	310	26	and	and	CCONJ
fsr-3918	310	27	practice	practice	NOUN
fsr-3918	310	28	of	of	ADP
fsr-3918	310	29	econometrics	econometric	NOUN
fsr-3918	310	30	,	,	PUNCT
fsr-3918	310	31	second	second	ADJ
fsr-3918	310	32	edition	edition	NOUN
fsr-3918	310	33	.	.	PUNCT
fsr-3918	311	1	new	new	PROPN
fsr-3918	311	2	york	york	PROPN
fsr-3918	311	3	:	:	PUNCT
fsr-3918	311	4	john	john	PROPN
fsr-3918	311	5	wiley	wiley	PROPN
fsr-3918	311	6	&	&	CCONJ
fsr-3918	311	7	sons	sons	PROPN
fsr-3918	311	8	.	.	PUNCT
fsr-3918	312	1	lebaron	lebaron	PROPN
fsr-3918	312	2	,	,	PUNCT
fsr-3918	312	3	d.	d.	PROPN
fsr-3918	312	4	,	,	PUNCT
fsr-3918	312	5	farrelly	farrelly	PROPN
fsr-3918	312	6	,	,	PUNCT
fsr-3918	312	7	g.	g.	PROPN
fsr-3918	312	8	,	,	PUNCT
fsr-3918	312	9	&	&	CCONJ
fsr-3918	312	10	guha	guha	PROPN
fsr-3918	312	11	,	,	PUNCT
fsr-3918	312	12	s.	s.	PROPN
fsr-3918	312	13	(	(	PUNCT
fsr-3918	312	14	1989	1989	NUM
fsr-3918	312	15	)	)	PUNCT
fsr-3918	312	16	.	.	PUNCT
fsr-3918	313	1	facilitating	facilitate	VERB
fsr-3918	313	2	a	a	DET
fsr-3918	313	3	dialogue	dialogue	NOUN
fsr-3918	313	4	on	on	ADP
fsr-3918	313	5	risk	risk	NOUN
fsr-3918	313	6	:	:	PUNCT
fsr-3918	313	7	a	a	DET
fsr-3918	313	8	questionnaire	questionnaire	NOUN
fsr-3918	313	9	approach.financial	approach.financial	ADJ
fsr-3918	313	10	analysts	analyst	NOUN
fsr-3918	313	11	journal	journal	NOUN
fsr-3918	313	12	,	,	PUNCT
fsr-3918	313	13	45,19–24	45,19–24	PROPN
fsr-3918	313	14	.	.	PUNCT
fsr-3918	314	1	marquardt	marquardt	PROPN
fsr-3918	314	2	,	,	PUNCT
fsr-3918	314	3	d.	d.	PROPN
fsr-3918	314	4	,	,	PUNCT
fsr-3918	314	5	&	&	CCONJ
fsr-3918	314	6	snee	snee	PROPN
fsr-3918	314	7	,	,	PUNCT
fsr-3918	314	8	r.	r.	PROPN
fsr-3918	314	9	(	(	PUNCT
fsr-3918	314	10	1975	1975	NUM
fsr-3918	314	11	)	)	PUNCT
fsr-3918	314	12	.	.	PUNCT
fsr-3918	315	1	ridge	ridge	NOUN
fsr-3918	315	2	regressions	regression	NOUN
fsr-3918	315	3	in	in	ADP
fsr-3918	315	4	practice.the	practice.the	DET
fsr-3918	315	5	american	american	PROPN
fsr-3918	315	6	statistician	statistician	NOUN
fsr-3918	315	7	,	,	PUNCT
fsr-3918	315	8	29,3–19	29,3–19	PROPN
fsr-3918	315	9	.	.	PUNCT
fsr-3918	315	10	morin	morin	PROPN
fsr-3918	315	11	,	,	PUNCT
fsr-3918	315	12	r.	r.	PROPN
fsr-3918	315	13	,	,	PUNCT
fsr-3918	315	14	&	&	CCONJ
fsr-3918	315	15	suarez	suarez	PROPN
fsr-3918	315	16	,	,	PUNCT
fsr-3918	315	17	f.	f.	PROPN
fsr-3918	315	18	(	(	PUNCT
fsr-3918	315	19	1983	1983	NUM
fsr-3918	315	20	)	)	PUNCT
fsr-3918	315	21	.	.	PUNCT
fsr-3918	316	1	risk	risk	NOUN
fsr-3918	316	2	aversion	aversion	NOUN
fsr-3918	316	3	revisited.journal	revisited.journal	ADJ
fsr-3918	316	4	of	of	ADP
fsr-3918	316	5	finance	finance	NOUN
fsr-3918	316	6	,	,	PUNCT
fsr-3918	316	7	38,1201–1216	38,1201–1216	X
fsr-3918	316	8	.	.	PUNCT
fsr-3918	316	9	reichenstein	reichenstein	PROPN
fsr-3918	316	10	,	,	PUNCT
fsr-3918	316	11	w.	w.	PROPN
fsr-3918	316	12	(	(	PUNCT
fsr-3918	316	13	1999	1999	NUM
fsr-3918	316	14	)	)	PUNCT
fsr-3918	316	15	.	.	PUNCT
fsr-3918	317	1	calculating	calculate	VERB
fsr-3918	317	2	a	a	DET
fsr-3918	317	3	family	family	NOUN
fsr-3918	317	4	’s	’s	PART
fsr-3918	317	5	asset	asset	NOUN
fsr-3918	317	6	mix.financial	mix.financial	NOUN
fsr-3918	317	7	services	service	NOUN
fsr-3918	317	8	review	review	NOUN
fsr-3918	317	9	,	,	PUNCT
fsr-3918	317	10	7,195–206	7,195–206	NUM
fsr-3918	317	11	.	.	PUNCT
fsr-3918	318	1	riley	riley	PROPN
fsr-3918	318	2	,	,	PUNCT
fsr-3918	318	3	w.	w.	PROPN
fsr-3918	318	4	jr	jr	PROPN
fsr-3918	318	5	.	.	PROPN
fsr-3918	318	6	,	,	PUNCT
fsr-3918	318	7	&	&	CCONJ
fsr-3918	318	8	chow	chow	PROPN
fsr-3918	318	9	,	,	PUNCT
fsr-3918	318	10	k.	k.	PROPN
fsr-3918	318	11	(	(	PUNCT
fsr-3918	318	12	1992	1992	NUM
fsr-3918	318	13	)	)	PUNCT
fsr-3918	318	14	.	.	PUNCT
fsr-3918	319	1	asset	asset	NOUN
fsr-3918	319	2	allocation	allocation	NOUN
fsr-3918	319	3	and	and	CCONJ
fsr-3918	319	4	individual	individual	ADJ
fsr-3918	319	5	risk	risk	NOUN
fsr-3918	319	6	aversion.financial	aversion.financial	PROPN
fsr-3918	319	7	analysts	analyst	NOUN
fsr-3918	319	8	journal	journal	NOUN
fsr-3918	319	9	,	,	PUNCT
fsr-3918	319	10	48	48	NUM
fsr-3918	319	11	,	,	PUNCT
fsr-3918	319	12	32–37	32–37	NUM
fsr-3918	319	13	.	.	PUNCT
fsr-3918	320	1	schooley	schooley	PROPN
fsr-3918	320	2	,	,	PUNCT
fsr-3918	320	3	d.	d.	PROPN
fsr-3918	320	4	,	,	PUNCT
fsr-3918	320	5	&	&	CCONJ
fsr-3918	320	6	worden	worden	PROPN
fsr-3918	320	7	,	,	PUNCT
fsr-3918	320	8	d.	d.	PROPN
fsr-3918	320	9	(	(	PUNCT
fsr-3918	320	10	1996	1996	NUM
fsr-3918	320	11	)	)	PUNCT
fsr-3918	320	12	.	.	PUNCT
fsr-3918	321	1	risk	risk	NOUN
fsr-3918	321	2	aversion	aversion	NOUN
fsr-3918	321	3	measures	measure	NOUN
fsr-3918	321	4	:	:	PUNCT
fsr-3918	321	5	comparing	compare	VERB
fsr-3918	321	6	attitudes	attitude	NOUN
fsr-3918	321	7	and	and	CCONJ
fsr-3918	321	8	asset	asset	NOUN
fsr-3918	321	9	allocation.financial	allocation.financial	PROPN
fsr-3918	321	10	services	service	NOUN
fsr-3918	321	11	review	review	NOUN
fsr-3918	321	12	,	,	PUNCT
fsr-3918	321	13	5,87–99	5,87–99	PROPN
fsr-3918	321	14	.	.	PUNCT
fsr-3918	322	1	siegel	siegel	PROPN
fsr-3918	322	2	,	,	PUNCT
fsr-3918	322	3	f.	f.	PROPN
fsr-3918	322	4	,	,	PUNCT
fsr-3918	322	5	&	&	CCONJ
fsr-3918	322	6	hoban	hoban	PROPN
fsr-3918	322	7	,	,	PUNCT
fsr-3918	322	8	j.	j.	PROPN
fsr-3918	322	9	,	,	PUNCT
fsr-3918	322	10	jr	jr	PROPN
fsr-3918	322	11	.	.	PROPN
fsr-3918	322	12	(	(	PUNCT
fsr-3918	322	13	1982	1982	NUM
fsr-3918	322	14	)	)	PUNCT
fsr-3918	322	15	.	.	PUNCT
fsr-3918	323	1	relative	relative	ADJ
fsr-3918	323	2	risk	risk	NOUN
fsr-3918	323	3	aversion	aversion	NOUN
fsr-3918	323	4	revisited.review	revisited.review	PROPN
fsr-3918	323	5	of	of	ADP
fsr-3918	323	6	economics	economic	NOUN
fsr-3918	323	7	and	and	CCONJ
fsr-3918	323	8	statistics	statistic	NOUN
fsr-3918	323	9	,	,	PUNCT
fsr-3918	323	10	64	64	NUM
fsr-3918	323	11	,	,	PUNCT
fsr-3918	323	12	481–487	481–487	NUM
fsr-3918	323	13	.	.	PUNCT
fsr-3918	324	1	siegel	siegel	PROPN
fsr-3918	324	2	,	,	PUNCT
fsr-3918	324	3	f.	f.	PROPN
fsr-3918	324	4	,	,	PUNCT
fsr-3918	324	5	&	&	CCONJ
fsr-3918	324	6	hoban	hoban	PROPN
fsr-3918	324	7	,	,	PUNCT
fsr-3918	324	8	j.	j.	PROPN
fsr-3918	324	9	,	,	PUNCT
fsr-3918	324	10	jr	jr	PROPN
fsr-3918	324	11	.	.	PROPN
fsr-3918	324	12	(	(	PUNCT
fsr-3918	324	13	1991	1991	NUM
fsr-3918	324	14	)	)	PUNCT
fsr-3918	324	15	.	.	PUNCT
fsr-3918	325	1	measuring	measure	VERB
fsr-3918	325	2	risk	risk	NOUN
fsr-3918	325	3	aversion	aversion	NOUN
fsr-3918	325	4	:	:	PUNCT
fsr-3918	325	5	allocation	allocation	NOUN
fsr-3918	325	6	,	,	PUNCT
fsr-3918	325	7	leverage	leverage	NOUN
fsr-3918	325	8	,	,	PUNCT
fsr-3918	325	9	and	and	CCONJ
fsr-3918	325	10	accumulation.journal	accumulation.journal	PROPN
fsr-3918	325	11	of	of	ADP
fsr-3918	325	12	financial	financial	ADJ
fsr-3918	325	13	research	research	NOUN
fsr-3918	325	14	,	,	PUNCT
fsr-3918	325	15	14,27–35	14,27–35	PROPN
fsr-3918	325	16	.	.	PUNCT
fsr-3918	326	1	tversky	tversky	PROPN
fsr-3918	326	2	,	,	PUNCT
fsr-3918	326	3	a.	a.	PROPN
fsr-3918	326	4	,	,	PUNCT
fsr-3918	326	5	&	&	CCONJ
fsr-3918	326	6	kahneman	kahneman	PROPN
fsr-3918	326	7	,	,	PUNCT
fsr-3918	326	8	d.	d.	PROPN
fsr-3918	326	9	(	(	PUNCT
fsr-3918	326	10	1986	1986	NUM
fsr-3918	326	11	)	)	PUNCT
fsr-3918	326	12	.	.	PUNCT
fsr-3918	327	1	rational	rational	ADJ
fsr-3918	327	2	choice	choice	NOUN
fsr-3918	327	3	and	and	CCONJ
fsr-3918	327	4	the	the	DET
fsr-3918	327	5	framing	framing	NOUN
fsr-3918	327	6	of	of	ADP
fsr-3918	327	7	decisions.journal	decisions.journal	PROPN
fsr-3918	327	8	of	of	ADP
fsr-3918	327	9	business	business	NOUN
fsr-3918	327	10	,	,	PUNCT
fsr-3918	327	11	59	59	NUM
fsr-3918	327	12	,	,	PUNCT
fsr-3918	327	13	251–278	251–278	NUM
fsr-3918	327	14	.	.	PUNCT
fsr-3918	328	1	viscusi	viscusi	PROPN
fsr-3918	328	2	,	,	PUNCT
fsr-3918	328	3	w.	w.	PROPN
fsr-3918	328	4	k.	k.	PROPN
fsr-3918	329	1	(	(	PUNCT
fsr-3918	329	2	1992).fatal	1992).fatal	NUM
fsr-3918	329	3	tradeoffs	tradeoff	NOUN
fsr-3918	329	4	:	:	PUNCT
fsr-3918	329	5	public	public	ADJ
fsr-3918	329	6	and	and	CCONJ
fsr-3918	329	7	private	private	ADJ
fsr-3918	329	8	responsibilities	responsibility	NOUN
fsr-3918	329	9	for	for	ADP
fsr-3918	329	10	risk.new	risk.new	PROPN
fsr-3918	329	11	york	york	PROPN
fsr-3918	329	12	:	:	PUNCT
fsr-3918	329	13	oxford	oxford	PROPN
fsr-3918	329	14	university	university	PROPN
fsr-3918	329	15	press	press	NOUN
fsr-3918	329	16	.	.	PUNCT
fsr-3918	330	1	yuh	yuh	PROPN
fsr-3918	330	2	,	,	PUNCT
fsr-3918	330	3	y.	y.	PROPN
fsr-3918	330	4	,	,	PUNCT
fsr-3918	330	5	hanna	hanna	PROPN
fsr-3918	330	6	,	,	PUNCT
fsr-3918	330	7	s.	s.	PROPN
fsr-3918	330	8	,	,	PUNCT
fsr-3918	330	9	&	&	CCONJ
fsr-3918	330	10	montalto	montalto	PROPN
fsr-3918	330	11	,	,	PUNCT
fsr-3918	330	12	c.	c.	PROPN
fsr-3918	330	13	(	(	PUNCT
fsr-3918	330	14	1999	1999	NUM
fsr-3918	330	15	)	)	PUNCT
fsr-3918	330	16	.	.	PUNCT
fsr-3918	331	1	mean	mean	VERB
fsr-3918	331	2	and	and	CCONJ
fsr-3918	331	3	pessimistic	pessimistic	ADJ
fsr-3918	331	4	projections	projection	NOUN
fsr-3918	331	5	of	of	ADP
fsr-3918	331	6	retirement	retirement	NOUN
fsr-3918	331	7	adequacy.financial	adequacy.financial	PROPN
fsr-3918	331	8	services	service	NOUN
fsr-3918	331	9	review	review	NOUN
fsr-3918	331	10	,	,	PUNCT
fsr-3918	331	11	7,175–193	7,175–193	NUM
fsr-3918	331	12	.	.	PUNCT
fsr-3918	332	1	170	170	NUM
fsr-3918	332	2	g.	g.	PROPN
fsr-3918	332	3	hariharan	hariharan	PROPN
fsr-3918	332	4	et	et	PROPN
fsr-3918	332	5	al	al	PROPN
fsr-3918	332	6	.	.	PUNCT
fsr-3918	332	7	/	/	SYM
fsr-3918	332	8	financial	financial	ADJ
fsr-3918	332	9	services	service	NOUN
fsr-3918	332	10	review	review	VERB
fsr-3918	332	11	9	9	NUM
fsr-3918	332	12	(	(	PUNCT
fsr-3918	332	13	2000	2000	NUM
fsr-3918	332	14	)	)	PUNCT
fsr-3918	332	15	159–170	159–170	NUM