id	sid	tid	token	lemma	pos
fsr-3928	1	1	pii	pii	PROPN
fsr-3928	1	2	:	:	PUNCT
fsr-3928	1	3	s1057	s1057	NOUN
fsr-3928	1	4	-	-	PUNCT
fsr-3928	1	5	0810(01)00071	0810(01)00071	NUM
fsr-3928	1	6	-	-	PUNCT
fsr-3928	1	7	3	3	NUM
fsr-3928	1	8	consumer	consumer	NOUN
fsr-3928	1	9	information	information	NOUN
fsr-3928	1	10	search	search	NOUN
fsr-3928	1	11	for	for	ADP
fsr-3928	1	12	home	home	NOUN
fsr-3928	1	13	mortgages	mortgage	NOUN
fsr-3928	1	14	:	:	PUNCT
fsr-3928	2	1	who	who	PRON
fsr-3928	2	2	,	,	PUNCT
fsr-3928	2	3	what	what	PRON
fsr-3928	2	4	,	,	PUNCT
fsr-3928	2	5	how	how	SCONJ
fsr-3928	2	6	much	much	ADJ
fsr-3928	2	7	,	,	PUNCT
fsr-3928	2	8	and	and	CCONJ
fsr-3928	2	9	what	what	PRON
fsr-3928	2	10	else	else	ADV
fsr-3928	2	11	?	?	PUNCT
fsr-3928	2	12	<	<	X
fsr-3928	2	13	jinkook	jinkook	NOUN
fsr-3928	2	14	leea	leea	ADV
fsr-3928	2	15	,	,	PUNCT
fsr-3928	2	16	jeanne	jeanne	PROPN
fsr-3928	2	17	m.	m.	PROPN
fsr-3928	2	18	hogarthb	hogarthb	PROPN
fsr-3928	2	19	,	,	PUNCT
fsr-3928	2	20	*	*	PUNCT
fsr-3928	2	21	adepartment	adepartment	NOUN
fsr-3928	2	22	of	of	ADP
fsr-3928	2	23	housing	housing	NOUN
fsr-3928	2	24	&	&	CCONJ
fsr-3928	2	25	consumer	consumer	NOUN
fsr-3928	2	26	economics	economic	NOUN
fsr-3928	2	27	,	,	PUNCT
fsr-3928	2	28	university	university	NOUN
fsr-3928	2	29	of	of	ADP
fsr-3928	2	30	georgia	georgia	PROPN
fsr-3928	2	31	,	,	PUNCT
fsr-3928	2	32	dawson	dawson	PROPN
fsr-3928	2	33	hall	hall	PROPN
fsr-3928	2	34	,	,	PUNCT
fsr-3928	2	35	athens	athens	PROPN
fsr-3928	2	36	,	,	PUNCT
fsr-3928	2	37	ga	ga	PROPN
fsr-3928	2	38	30606	30606	NUM
fsr-3928	2	39	-	-	SYM
fsr-3928	2	40	3622	3622	NUM
fsr-3928	2	41	,	,	PUNCT
fsr-3928	2	42	usa	usa	PROPN
fsr-3928	2	43	bconsumer	bconsumer	PROPN
fsr-3928	2	44	policies	policy	NOUN
fsr-3928	2	45	,	,	PUNCT
fsr-3928	2	46	consumer	consumer	NOUN
fsr-3928	2	47	&	&	CCONJ
fsr-3928	2	48	community	community	NOUN
fsr-3928	2	49	affairs	affairs	PROPN
fsr-3928	2	50	,	,	PUNCT
fsr-3928	2	51	federal	federal	PROPN
fsr-3928	2	52	reserve	reserve	PROPN
fsr-3928	2	53	board	board	PROPN
fsr-3928	2	54	,	,	PUNCT
fsr-3928	2	55	washington	washington	PROPN
fsr-3928	2	56	,	,	PUNCT
fsr-3928	2	57	dc	dc	PROPN
fsr-3928	2	58	20551	20551	NUM
fsr-3928	2	59	,	,	PUNCT
fsr-3928	2	60	usa	usa	PROPN
fsr-3928	2	61	received	receive	VERB
fsr-3928	2	62	april	april	PROPN
fsr-3928	2	63	2000	2000	NUM
fsr-3928	2	64	;	;	PUNCT
fsr-3928	2	65	received	receive	VERB
fsr-3928	2	66	in	in	ADP
fsr-3928	2	67	revised	revise	VERB
fsr-3928	2	68	form	form	NOUN
fsr-3928	2	69	january	january	PROPN
fsr-3928	2	70	2001	2001	NUM
fsr-3928	2	71	;	;	PUNCT
fsr-3928	2	72	accepted	accept	VERB
fsr-3928	2	73	february	february	PROPN
fsr-3928	2	74	2001	2001	NUM
fsr-3928	2	75	1	1	NUM
fsr-3928	2	76	.	.	PUNCT
fsr-3928	2	77	introduction	introduction	NOUN
fsr-3928	2	78	a	a	DET
fsr-3928	2	79	prerequisite	prerequisite	NOUN
fsr-3928	2	80	for	for	SCONJ
fsr-3928	2	81	consumers	consumer	NOUN
fsr-3928	2	82	to	to	PART
fsr-3928	2	83	make	make	VERB
fsr-3928	2	84	good	good	ADJ
fsr-3928	2	85	decisions	decision	NOUN
fsr-3928	2	86	is	be	AUX
fsr-3928	2	87	to	to	PART
fsr-3928	2	88	have	have	VERB
fsr-3928	2	89	all	all	DET
fsr-3928	2	90	the	the	DET
fsr-3928	2	91	relevant	relevant	ADJ
fsr-3928	2	92	information	information	NOUN
fsr-3928	2	93	about	about	ADP
fsr-3928	2	94	the	the	DET
fsr-3928	2	95	decision	decision	NOUN
fsr-3928	2	96	at	at	ADP
fsr-3928	2	97	hand	hand	NOUN
fsr-3928	2	98	,	,	PUNCT
fsr-3928	2	99	and	and	CCONJ
fsr-3928	2	100	therefore	therefore	ADV
fsr-3928	2	101	mandatory	mandatory	ADJ
fsr-3928	2	102	information	information	NOUN
fsr-3928	2	103	disclosure	disclosure	NOUN
fsr-3928	2	104	is	be	AUX
fsr-3928	2	105	often	often	ADV
fsr-3928	2	106	adopted	adopt	VERB
fsr-3928	2	107	as	as	ADP
fsr-3928	2	108	a	a	DET
fsr-3928	2	109	public	public	ADJ
fsr-3928	2	110	policy	policy	NOUN
fsr-3928	2	111	remedy	remedy	NOUN
fsr-3928	2	112	to	to	PART
fsr-3928	2	113	assist	assist	VERB
fsr-3928	2	114	consumer	consumer	NOUN
fsr-3928	2	115	decision	decision	NOUN
fsr-3928	2	116	making	making	NOUN
fsr-3928	2	117	(	(	PUNCT
fsr-3928	2	118	durkin	durkin	PROPN
fsr-3928	2	119	&	&	CCONJ
fsr-3928	2	120	elliehausen	elliehausen	PROPN
fsr-3928	2	121	,	,	PUNCT
fsr-3928	2	122	1990	1990	NUM
fsr-3928	2	123	;	;	PUNCT
fsr-3928	2	124	oced	oce	VERB
fsr-3928	2	125	,	,	PUNCT
fsr-3928	2	126	1992	1992	NUM
fsr-3928	2	127	)	)	PUNCT
fsr-3928	2	128	.	.	PUNCT
fsr-3928	3	1	in	in	ADP
fsr-3928	3	2	the	the	DET
fsr-3928	3	3	consumer	consumer	NOUN
fsr-3928	3	4	mortgage	mortgage	NOUN
fsr-3928	3	5	loan	loan	NOUN
fsr-3928	3	6	market	market	NOUN
fsr-3928	3	7	,	,	PUNCT
fsr-3928	3	8	the	the	DET
fsr-3928	3	9	truth	truth	NOUN
fsr-3928	3	10	in	in	ADP
fsr-3928	3	11	lending	lending	NOUN
fsr-3928	3	12	act	act	PROPN
fsr-3928	3	13	(	(	PUNCT
fsr-3928	3	14	p.l	p.l	PROPN
fsr-3928	3	15	.	.	PROPN
fsr-3928	3	16	90–321	90–321	NUM
fsr-3928	3	17	;	;	PUNCT
fsr-3928	3	18	15	15	NUM
fsr-3928	3	19	usc	usc	NOUN
fsr-3928	3	20	§	§	PROPN
fsr-3928	3	21	1601	1601	NUM
fsr-3928	3	22	)	)	PUNCT
fsr-3928	3	23	and	and	CCONJ
fsr-3928	3	24	the	the	DET
fsr-3928	3	25	real	real	ADJ
fsr-3928	3	26	estate	estate	NOUN
fsr-3928	3	27	settlement	settlement	NOUN
fsr-3928	3	28	procedures	procedure	NOUN
fsr-3928	3	29	act	act	NOUN
fsr-3928	3	30	(	(	PUNCT
fsr-3928	3	31	p.l	p.l	PROPN
fsr-3928	3	32	.	.	PUNCT
fsr-3928	3	33	93–533	93–533	NUM
fsr-3928	3	34	;	;	PUNCT
fsr-3928	3	35	12	12	NUM
fsr-3928	3	36	usc	usc	NOUN
fsr-3928	3	37	§	§	PROPN
fsr-3928	3	38	2601	2601	NUM
fsr-3928	3	39	)	)	PUNCT
fsr-3928	3	40	require	require	VERB
fsr-3928	3	41	such	such	ADJ
fsr-3928	3	42	mandatory	mandatory	ADJ
fsr-3928	3	43	disclosure	disclosure	NOUN
fsr-3928	3	44	of	of	ADP
fsr-3928	3	45	information	information	NOUN
fsr-3928	3	46	(	(	PUNCT
fsr-3928	3	47	federal	federal	PROPN
fsr-3928	3	48	reserve	reserve	PROPN
fsr-3928	3	49	board	board	PROPN
fsr-3928	3	50	,	,	PUNCT
fsr-3928	3	51	1997	1997	NUM
fsr-3928	3	52	;	;	PUNCT
fsr-3928	3	53	retsinas	retsina	NOUN
fsr-3928	3	54	,	,	PUNCT
fsr-3928	3	55	1997	1997	NUM
fsr-3928	3	56	)	)	PUNCT
fsr-3928	3	57	.	.	PUNCT
fsr-3928	4	1	unlike	unlike	ADP
fsr-3928	4	2	the	the	DET
fsr-3928	4	3	well	well	ADV
fsr-3928	4	4	-	-	PUNCT
fsr-3928	4	5	acknowledged	acknowledge	VERB
fsr-3928	4	6	role	role	NOUN
fsr-3928	4	7	of	of	ADP
fsr-3928	4	8	informationper	informationper	NOUN
fsr-3928	4	9	se	se	X
fsr-3928	4	10	,	,	PUNCT
fsr-3928	4	11	our	our	PRON
fsr-3928	4	12	understanding	understanding	NOUN
fsr-3928	4	13	of	of	ADP
fsr-3928	4	14	consumer	consumer	NOUN
fsr-3928	4	15	information	information	NOUN
fsr-3928	4	16	search	search	NOUN
fsr-3928	4	17	behavior	behavior	NOUN
fsr-3928	4	18	when	when	SCONJ
fsr-3928	4	19	shopping	shop	VERB
fsr-3928	4	20	for	for	ADP
fsr-3928	4	21	credit	credit	NOUN
fsr-3928	4	22	,	,	PUNCT
fsr-3928	4	23	such	such	ADJ
fsr-3928	4	24	as	as	ADP
fsr-3928	4	25	a	a	DET
fsr-3928	4	26	mortgage	mortgage	NOUN
fsr-3928	4	27	loan	loan	NOUN
fsr-3928	4	28	,	,	PUNCT
fsr-3928	4	29	is	be	AUX
fsr-3928	4	30	very	very	ADV
fsr-3928	4	31	limited	limited	ADJ
fsr-3928	4	32	(	(	PUNCT
fsr-3928	4	33	lee	lee	PROPN
fsr-3928	4	34	&	&	CCONJ
fsr-3928	4	35	hogarth	hogarth	PROPN
fsr-3928	4	36	,	,	PUNCT
fsr-3928	4	37	1999a	1999a	NUM
fsr-3928	4	38	)	)	PUNCT
fsr-3928	4	39	.	.	PUNCT
fsr-3928	5	1	addressing	address	VERB
fsr-3928	5	2	this	this	DET
fsr-3928	5	3	issue	issue	NOUN
fsr-3928	5	4	,	,	PUNCT
fsr-3928	5	5	the	the	DET
fsr-3928	5	6	purpose	purpose	NOUN
fsr-3928	5	7	of	of	ADP
fsr-3928	5	8	this	this	DET
fsr-3928	5	9	study	study	NOUN
fsr-3928	5	10	is	be	AUX
fsr-3928	5	11	to	to	PART
fsr-3928	5	12	investigate	investigate	VERB
fsr-3928	5	13	how	how	SCONJ
fsr-3928	5	14	consumers	consumer	NOUN
fsr-3928	5	15	search	search	VERB
fsr-3928	5	16	for	for	ADP
fsr-3928	5	17	information	information	NOUN
fsr-3928	5	18	,	,	PUNCT
fsr-3928	5	19	particularly	particularly	ADV
fsr-3928	5	20	when	when	SCONJ
fsr-3928	5	21	looking	look	VERB
fsr-3928	5	22	for	for	ADP
fsr-3928	5	23	a	a	DET
fsr-3928	5	24	home	home	NOUN
fsr-3928	5	25	mortgage	mortgage	NOUN
fsr-3928	5	26	loan	loan	NOUN
fsr-3928	5	27	.	.	PUNCT
fsr-3928	6	1	the	the	DET
fsr-3928	6	2	insights	insight	NOUN
fsr-3928	6	3	gained	gain	VERB
fsr-3928	6	4	from	from	ADP
fsr-3928	6	5	this	this	DET
fsr-3928	6	6	analysis	analysis	NOUN
fsr-3928	6	7	will	will	AUX
fsr-3928	6	8	guide	guide	VERB
fsr-3928	6	9	us	we	PRON
fsr-3928	6	10	to	to	ADP
fsr-3928	6	11	more	more	ADV
fsr-3928	6	12	effective	effective	ADJ
fsr-3928	6	13	ways	way	NOUN
fsr-3928	6	14	to	to	PART
fsr-3928	6	15	help	help	VERB
fsr-3928	6	16	consumers	consumer	NOUN
fsr-3928	6	17	choose	choose	VERB
fsr-3928	6	18	a	a	DET
fsr-3928	6	19	mortgage	mortgage	NOUN
fsr-3928	6	20	loan	loan	NOUN
fsr-3928	6	21	,	,	PUNCT
fsr-3928	6	22	and	and	CCONJ
fsr-3928	6	23	,	,	PUNCT
fsr-3928	6	24	as	as	ADP
fsr-3928	6	25	a	a	DET
fsr-3928	6	26	result	result	NOUN
fsr-3928	6	27	,	,	PUNCT
fsr-3928	6	28	improve	improve	VERB
fsr-3928	6	29	market	market	NOUN
fsr-3928	6	30	efficiency	efficiency	NOUN
fsr-3928	6	31	and	and	CCONJ
fsr-3928	6	32	effectiveness	effectiveness	NOUN
fsr-3928	6	33	.	.	PUNCT
fsr-3928	7	1	the	the	DET
fsr-3928	7	2	remainder	remainder	NOUN
fsr-3928	7	3	of	of	ADP
fsr-3928	7	4	the	the	DET
fsr-3928	7	5	paper	paper	NOUN
fsr-3928	7	6	is	be	AUX
fsr-3928	7	7	structured	structure	VERB
fsr-3928	7	8	as	as	SCONJ
fsr-3928	7	9	follows	follow	VERB
fsr-3928	7	10	.	.	PUNCT
fsr-3928	8	1	first	first	ADV
fsr-3928	8	2	,	,	PUNCT
fsr-3928	8	3	we	we	PRON
fsr-3928	8	4	present	present	VERB
fsr-3928	8	5	background	background	NOUN
fsr-3928	8	6	information	information	NOUN
fsr-3928	8	7	related	relate	VERB
fsr-3928	8	8	to	to	ADP
fsr-3928	8	9	mortgage	mortgage	NOUN
fsr-3928	8	10	markets	market	NOUN
fsr-3928	8	11	,	,	PUNCT
fsr-3928	8	12	followed	follow	VERB
fsr-3928	8	13	by	by	ADP
fsr-3928	8	14	a	a	DET
fsr-3928	8	15	review	review	NOUN
fsr-3928	8	16	of	of	ADP
fsr-3928	8	17	previous	previous	ADJ
fsr-3928	8	18	studies	study	NOUN
fsr-3928	8	19	on	on	ADP
fsr-3928	8	20	<	<	X
fsr-3928	8	21	the	the	DET
fsr-3928	8	22	analysis	analysis	NOUN
fsr-3928	8	23	and	and	CCONJ
fsr-3928	8	24	conclusions	conclusion	NOUN
fsr-3928	8	25	set	set	VERB
fsr-3928	8	26	forth	forth	ADP
fsr-3928	8	27	in	in	ADP
fsr-3928	8	28	this	this	DET
fsr-3928	8	29	paper	paper	NOUN
fsr-3928	8	30	represent	represent	VERB
fsr-3928	8	31	the	the	DET
fsr-3928	8	32	work	work	NOUN
fsr-3928	8	33	of	of	ADP
fsr-3928	8	34	the	the	DET
fsr-3928	8	35	authors	author	NOUN
fsr-3928	8	36	and	and	CCONJ
fsr-3928	8	37	do	do	AUX
fsr-3928	8	38	not	not	PART
fsr-3928	8	39	indicate	indicate	VERB
fsr-3928	8	40	concurrence	concurrence	NOUN
fsr-3928	8	41	of	of	ADP
fsr-3928	8	42	the	the	DET
fsr-3928	8	43	federal	federal	PROPN
fsr-3928	8	44	reserve	reserve	PROPN
fsr-3928	8	45	board	board	PROPN
fsr-3928	8	46	,	,	PUNCT
fsr-3928	8	47	the	the	DET
fsr-3928	8	48	federal	federal	PROPN
fsr-3928	8	49	reserve	reserve	PROPN
fsr-3928	8	50	banks	bank	NOUN
fsr-3928	8	51	,	,	PUNCT
fsr-3928	8	52	or	or	CCONJ
fsr-3928	8	53	their	their	PRON
fsr-3928	8	54	staff	staff	NOUN
fsr-3928	8	55	.	.	PUNCT
fsr-3928	9	1	*	*	PUNCT
fsr-3928	9	2	corresponding	correspond	VERB
fsr-3928	9	3	author	author	NOUN
fsr-3928	9	4	.	.	PUNCT
fsr-3928	10	1	tel.:11	tel.:11	PROPN
fsr-3928	10	2	-	-	PUNCT
fsr-3928	10	3	202	202	NUM
fsr-3928	10	4	-	-	PUNCT
fsr-3928	10	5	785	785	NUM
fsr-3928	10	6	-	-	PUNCT
fsr-3928	10	7	6024	6024	NUM
fsr-3928	10	8	;	;	PUNCT
fsr-3928	10	9	fax:11	fax:11	PROPN
fsr-3928	10	10	-	-	PUNCT
fsr-3928	10	11	202	202	NUM
fsr-3928	10	12	-	-	PUNCT
fsr-3928	10	13	728	728	NUM
fsr-3928	10	14	-	-	PUNCT
fsr-3928	10	15	5850	5850	NUM
fsr-3928	10	16	.	.	PUNCT
fsr-3928	11	1	e	e	X
fsr-3928	11	2	-	-	NOUN
fsr-3928	11	3	mail	mail	NOUN
fsr-3928	11	4	address:jeanne.m.hogarth@frb.gov	address:jeanne.m.hogarth@frb.gov	NOUN
fsr-3928	11	5	(	(	PUNCT
fsr-3928	11	6	j.m	j.m	PROPN
fsr-3928	11	7	.	.	PROPN
fsr-3928	11	8	hogarth	hogarth	PROPN
fsr-3928	11	9	)	)	PUNCT
fsr-3928	11	10	.	.	PUNCT
fsr-3928	12	1	financial	financial	ADJ
fsr-3928	12	2	services	service	NOUN
fsr-3928	12	3	review	review	VERB
fsr-3928	12	4	9	9	NUM
fsr-3928	12	5	(	(	PUNCT
fsr-3928	12	6	2000	2000	NUM
fsr-3928	12	7	)	)	PUNCT
fsr-3928	13	1	277–293	277–293	NUM
fsr-3928	13	2	1057	1057	NUM
fsr-3928	13	3	-	-	SYM
fsr-3928	13	4	0810/00/$	0810/00/$	NUM
fsr-3928	13	5	–	–	PUNCT
fsr-3928	13	6	see	see	VERB
fsr-3928	13	7	front	front	ADJ
fsr-3928	13	8	matter	matter	NOUN
fsr-3928	13	9	©	©	PROPN
fsr-3928	13	10	2000	2000	NUM
fsr-3928	13	11	elsevier	elsevier	PROPN
fsr-3928	13	12	science	science	PROPN
fsr-3928	13	13	inc	inc	PROPN
fsr-3928	13	14	.	.	PUNCT
fsr-3928	14	1	all	all	DET
fsr-3928	14	2	rights	right	NOUN
fsr-3928	14	3	reserved	reserve	VERB
fsr-3928	14	4	.	.	PUNCT
fsr-3928	15	1	pii	pii	NOUN
fsr-3928	15	2	:	:	PUNCT
fsr-3928	15	3	s1057	s1057	NOUN
fsr-3928	15	4	-	-	PUNCT
fsr-3928	15	5	0810(01)00071	0810(01)00071	NUM
fsr-3928	15	6	-	-	PUNCT
fsr-3928	15	7	3	3	NUM
fsr-3928	15	8	mortgage	mortgage	NOUN
fsr-3928	15	9	shopping	shopping	NOUN
fsr-3928	15	10	behavior	behavior	NOUN
fsr-3928	15	11	.	.	PUNCT
fsr-3928	16	1	then	then	ADV
fsr-3928	16	2	,	,	PUNCT
fsr-3928	16	3	using	use	VERB
fsr-3928	16	4	data	datum	NOUN
fsr-3928	16	5	from	from	ADP
fsr-3928	16	6	the	the	DET
fsr-3928	16	7	1997	1997	NUM
fsr-3928	16	8	university	university	PROPN
fsr-3928	16	9	of	of	ADP
fsr-3928	16	10	michigan	michigan	PROPN
fsr-3928	16	11	’s	’s	PART
fsr-3928	16	12	survey	survey	NOUN
fsr-3928	16	13	of	of	ADP
fsr-3928	16	14	consumers	consumer	NOUN
fsr-3928	16	15	,	,	PUNCT
fsr-3928	16	16	we	we	PRON
fsr-3928	16	17	identify	identify	VERB
fsr-3928	16	18	consumers	consumer	NOUN
fsr-3928	16	19	’	'	PUNCT
fsr-3928	16	20	information	information	NOUN
fsr-3928	16	21	search	search	NOUN
fsr-3928	16	22	patterns	pattern	NOUN
fsr-3928	16	23	when	when	SCONJ
fsr-3928	16	24	shopping	shop	VERB
fsr-3928	16	25	for	for	ADP
fsr-3928	16	26	a	a	DET
fsr-3928	16	27	mortgage	mortgage	NOUN
fsr-3928	16	28	loan	loan	NOUN
fsr-3928	16	29	.	.	PUNCT
fsr-3928	17	1	specifically	specifically	ADV
fsr-3928	17	2	,	,	PUNCT
fsr-3928	17	3	we	we	PRON
fsr-3928	17	4	examine	examine	VERB
fsr-3928	17	5	the	the	DET
fsr-3928	17	6	interdependence	interdependence	NOUN
fsr-3928	17	7	of	of	ADP
fsr-3928	17	8	information	information	NOUN
fsr-3928	17	9	search	search	NOUN
fsr-3928	17	10	activities	activity	NOUN
fsr-3928	17	11	,	,	PUNCT
fsr-3928	17	12	providing	provide	VERB
fsr-3928	17	13	further	further	ADJ
fsr-3928	17	14	insights	insight	NOUN
fsr-3928	17	15	on	on	ADP
fsr-3928	17	16	consumer	consumer	NOUN
fsr-3928	17	17	search	search	NOUN
fsr-3928	17	18	behavior	behavior	NOUN
fsr-3928	17	19	.	.	PUNCT
fsr-3928	18	1	finally	finally	ADV
fsr-3928	18	2	,	,	PUNCT
fsr-3928	18	3	we	we	PRON
fsr-3928	18	4	provide	provide	VERB
fsr-3928	18	5	a	a	DET
fsr-3928	18	6	discussion	discussion	NOUN
fsr-3928	18	7	for	for	ADP
fsr-3928	18	8	the	the	DET
fsr-3928	18	9	research	research	NOUN
fsr-3928	18	10	and	and	CCONJ
fsr-3928	18	11	consumer	consumer	NOUN
fsr-3928	18	12	outreach	outreach	NOUN
fsr-3928	18	13	communities	community	NOUN
fsr-3928	18	14	.	.	PUNCT
fsr-3928	19	1	2	2	X
fsr-3928	19	2	.	.	X
fsr-3928	19	3	background	background	NOUN
fsr-3928	19	4	both	both	CCONJ
fsr-3928	19	5	the	the	DET
fsr-3928	19	6	truth	truth	NOUN
fsr-3928	19	7	in	in	ADP
fsr-3928	19	8	lending	lending	NOUN
fsr-3928	19	9	act	act	PROPN
fsr-3928	19	10	(	(	PUNCT
fsr-3928	19	11	tila	tila	NOUN
fsr-3928	19	12	)	)	PUNCT
fsr-3928	19	13	and	and	CCONJ
fsr-3928	19	14	the	the	DET
fsr-3928	19	15	real	real	ADJ
fsr-3928	19	16	estate	estate	NOUN
fsr-3928	19	17	settlement	settlement	NOUN
fsr-3928	19	18	procedures	procedure	NOUN
fsr-3928	19	19	act	act	NOUN
fsr-3928	19	20	(	(	PUNCT
fsr-3928	19	21	respa	respa	PROPN
fsr-3928	19	22	)	)	PUNCT
fsr-3928	19	23	mandate	mandate	NOUN
fsr-3928	19	24	information	information	NOUN
fsr-3928	19	25	disclosure	disclosure	NOUN
fsr-3928	19	26	related	relate	VERB
fsr-3928	19	27	to	to	ADP
fsr-3928	19	28	home	home	NOUN
fsr-3928	19	29	mortgage	mortgage	NOUN
fsr-3928	19	30	loans	loan	NOUN
fsr-3928	19	31	.	.	PUNCT
fsr-3928	20	1	the	the	DET
fsr-3928	20	2	main	main	ADJ
fsr-3928	20	3	objectives	objective	NOUN
fsr-3928	20	4	of	of	ADP
fsr-3928	20	5	the	the	DET
fsr-3928	20	6	statutes	statute	NOUN
fsr-3928	20	7	are	be	AUX
fsr-3928	20	8	to	to	PART
fsr-3928	20	9	aid	aid	VERB
fsr-3928	20	10	consumers	consumer	NOUN
fsr-3928	20	11	in	in	ADP
fsr-3928	20	12	making	make	VERB
fsr-3928	20	13	informed	informed	ADJ
fsr-3928	20	14	credit	credit	NOUN
fsr-3928	20	15	decisions	decision	NOUN
fsr-3928	20	16	and	and	CCONJ
fsr-3928	20	17	to	to	PART
fsr-3928	20	18	promote	promote	VERB
fsr-3928	20	19	price	price	NOUN
fsr-3928	20	20	competition	competition	NOUN
fsr-3928	20	21	by	by	ADP
fsr-3928	20	22	facilitating	facilitate	VERB
fsr-3928	20	23	consumers	consumer	NOUN
fsr-3928	20	24	’	'	PUNCT
fsr-3928	20	25	comparison	comparison	NOUN
fsr-3928	20	26	-	-	PUNCT
fsr-3928	20	27	shopping	shopping	NOUN
fsr-3928	20	28	.	.	PUNCT
fsr-3928	21	1	although	although	SCONJ
fsr-3928	21	2	the	the	DET
fsr-3928	21	3	idea	idea	NOUN
fsr-3928	21	4	of	of	ADP
fsr-3928	21	5	price	price	NOUN
fsr-3928	21	6	disclosure	disclosure	NOUN
fsr-3928	21	7	is	be	AUX
fsr-3928	21	8	simple	simple	ADJ
fsr-3928	21	9	,	,	PUNCT
fsr-3928	21	10	tila	tila	NOUN
fsr-3928	21	11	and	and	CCONJ
fsr-3928	21	12	its	its	PRON
fsr-3928	21	13	implementing	implement	VERB
fsr-3928	21	14	regulation	regulation	NOUN
fsr-3928	21	15	,	,	PUNCT
fsr-3928	21	16	federal	federal	PROPN
fsr-3928	21	17	reserve	reserve	PROPN
fsr-3928	21	18	regulation	regulation	PROPN
fsr-3928	21	19	z	z	PROPN
fsr-3928	21	20	,	,	PUNCT
fsr-3928	21	21	have	have	AUX
fsr-3928	21	22	grown	grow	VERB
fsr-3928	21	23	to	to	PART
fsr-3928	21	24	require	require	VERB
fsr-3928	21	25	an	an	DET
fsr-3928	21	26	extensive	extensive	ADJ
fsr-3928	21	27	list	list	NOUN
fsr-3928	21	28	of	of	ADP
fsr-3928	21	29	information	information	NOUN
fsr-3928	21	30	.	.	PUNCT
fsr-3928	22	1	the	the	DET
fsr-3928	22	2	“	"	PUNCT
fsr-3928	22	3	fed	fed	PROPN
fsr-3928	22	4	box	box	NOUN
fsr-3928	22	5	”	"	PUNCT
fsr-3928	22	6	disclosures	disclosure	NOUN
fsr-3928	22	7	include	include	VERB
fsr-3928	22	8	the	the	DET
fsr-3928	22	9	annual	annual	ADJ
fsr-3928	22	10	percentage	percentage	NOUN
fsr-3928	22	11	rate	rate	NOUN
fsr-3928	22	12	(	(	PUNCT
fsr-3928	22	13	apr	apr	NOUN
fsr-3928	22	14	)	)	PUNCT
fsr-3928	22	15	,	,	PUNCT
fsr-3928	22	16	finance	finance	NOUN
fsr-3928	22	17	charge	charge	NOUN
fsr-3928	22	18	,	,	PUNCT
fsr-3928	22	19	amount	amount	NOUN
fsr-3928	22	20	financed	finance	VERB
fsr-3928	22	21	,	,	PUNCT
fsr-3928	22	22	and	and	CCONJ
fsr-3928	22	23	total	total	NOUN
fsr-3928	22	24	of	of	ADP
fsr-3928	22	25	payments	payment	NOUN
fsr-3928	22	26	.	.	PUNCT
fsr-3928	23	1	disclosures	disclosure	NOUN
fsr-3928	23	2	about	about	ADP
fsr-3928	23	3	credit	credit	NOUN
fsr-3928	23	4	report	report	NOUN
fsr-3928	23	5	fees	fee	NOUN
fsr-3928	23	6	,	,	PUNCT
fsr-3928	23	7	flood	flood	NOUN
fsr-3928	23	8	insurance	insurance	NOUN
fsr-3928	23	9	,	,	PUNCT
fsr-3928	23	10	origination	origination	NOUN
fsr-3928	23	11	fees	fee	NOUN
fsr-3928	23	12	,	,	PUNCT
fsr-3928	23	13	credit	credit	NOUN
fsr-3928	23	14	life	life	NOUN
fsr-3928	23	15	insurance	insurance	NOUN
fsr-3928	23	16	,	,	PUNCT
fsr-3928	23	17	and	and	CCONJ
fsr-3928	23	18	numerous	numerous	ADJ
fsr-3928	23	19	other	other	ADJ
fsr-3928	23	20	charges	charge	NOUN
fsr-3928	23	21	are	be	AUX
fsr-3928	23	22	also	also	ADV
fsr-3928	23	23	required	require	VERB
fsr-3928	23	24	if	if	SCONJ
fsr-3928	23	25	they	they	PRON
fsr-3928	23	26	are	be	AUX
fsr-3928	23	27	necessary	necessary	ADJ
fsr-3928	23	28	to	to	PART
fsr-3928	23	29	obtain	obtain	VERB
fsr-3928	23	30	the	the	DET
fsr-3928	23	31	loan	loan	NOUN
fsr-3928	23	32	.	.	PUNCT
fsr-3928	24	1	respa	respa	PROPN
fsr-3928	24	2	is	be	AUX
fsr-3928	24	3	administered	administer	VERB
fsr-3928	24	4	under	under	ADP
fsr-3928	24	5	regulation	regulation	NOUN
fsr-3928	24	6	x	x	PUNCT
fsr-3928	24	7	from	from	ADP
fsr-3928	24	8	the	the	DET
fsr-3928	24	9	department	department	NOUN
fsr-3928	24	10	of	of	ADP
fsr-3928	24	11	housing	housing	PROPN
fsr-3928	24	12	and	and	CCONJ
fsr-3928	24	13	urban	urban	PROPN
fsr-3928	24	14	development	development	PROPN
fsr-3928	24	15	(	(	PUNCT
fsr-3928	24	16	hud	hud	PROPN
fsr-3928	24	17	)	)	PUNCT
fsr-3928	24	18	(	(	PUNCT
fsr-3928	24	19	meier	meier	PROPN
fsr-3928	24	20	&	&	CCONJ
fsr-3928	24	21	garman	garman	PROPN
fsr-3928	24	22	,	,	PUNCT
fsr-3928	24	23	1995	1995	NUM
fsr-3928	24	24	;	;	PUNCT
fsr-3928	24	25	retsina	retsina	NOUN
fsr-3928	24	26	,	,	PUNCT
fsr-3928	24	27	1997	1997	NUM
fsr-3928	24	28	)	)	PUNCT
fsr-3928	24	29	.	.	PUNCT
fsr-3928	25	1	the	the	DET
fsr-3928	25	2	act	act	NOUN
fsr-3928	25	3	contains	contain	VERB
fsr-3928	25	4	both	both	DET
fsr-3928	25	5	disclosure	disclosure	NOUN
fsr-3928	25	6	and	and	CCONJ
fsr-3928	25	7	substantive	substantive	ADJ
fsr-3928	25	8	provisions	provision	NOUN
fsr-3928	25	9	.	.	PUNCT
fsr-3928	26	1	it	it	PRON
fsr-3928	26	2	requires	require	VERB
fsr-3928	26	3	that	that	SCONJ
fsr-3928	26	4	certain	certain	ADJ
fsr-3928	26	5	disclosures	disclosure	NOUN
fsr-3928	26	6	be	be	AUX
fsr-3928	26	7	given	give	VERB
fsr-3928	26	8	at	at	ADP
fsr-3928	26	9	various	various	ADJ
fsr-3928	26	10	points	point	NOUN
fsr-3928	26	11	in	in	ADP
fsr-3928	26	12	mortgage	mortgage	NOUN
fsr-3928	26	13	transactions	transaction	NOUN
fsr-3928	26	14	to	to	PART
fsr-3928	26	15	ensure	ensure	VERB
fsr-3928	26	16	that	that	SCONJ
fsr-3928	26	17	consumers	consumer	NOUN
fsr-3928	26	18	receive	receive	VERB
fsr-3928	26	19	timely	timely	ADJ
fsr-3928	26	20	and	and	CCONJ
fsr-3928	26	21	useful	useful	ADJ
fsr-3928	26	22	information	information	NOUN
fsr-3928	26	23	about	about	ADP
fsr-3928	26	24	the	the	DET
fsr-3928	26	25	costs	cost	NOUN
fsr-3928	26	26	associated	associate	VERB
fsr-3928	26	27	with	with	ADP
fsr-3928	26	28	the	the	DET
fsr-3928	26	29	transaction	transaction	NOUN
fsr-3928	26	30	.	.	PUNCT
fsr-3928	27	1	under	under	ADP
fsr-3928	27	2	respa	respa	PROPN
fsr-3928	27	3	,	,	PUNCT
fsr-3928	27	4	within	within	ADP
fsr-3928	27	5	three	three	NUM
fsr-3928	27	6	days	day	NOUN
fsr-3928	27	7	of	of	ADP
fsr-3928	27	8	application	application	NOUN
fsr-3928	27	9	,	,	PUNCT
fsr-3928	27	10	lenders	lender	NOUN
fsr-3928	27	11	are	be	AUX
fsr-3928	27	12	required	require	VERB
fsr-3928	27	13	to	to	PART
fsr-3928	27	14	provide	provide	VERB
fsr-3928	27	15	the	the	DET
fsr-3928	27	16	mortgage	mortgage	NOUN
fsr-3928	27	17	loan	loan	NOUN
fsr-3928	27	18	borrowers	borrower	NOUN
fsr-3928	27	19	with	with	ADP
fsr-3928	27	20	a	a	DET
fsr-3928	27	21	good	good	ADJ
fsr-3928	27	22	-	-	PUNCT
fsr-3928	27	23	faith	faith	NOUN
fsr-3928	27	24	estimate	estimate	NOUN
fsr-3928	27	25	of	of	ADP
fsr-3928	27	26	closing	closing	NOUN
fsr-3928	27	27	costs	cost	NOUN
fsr-3928	27	28	and	and	CCONJ
fsr-3928	27	29	an	an	DET
fsr-3928	27	30	information	information	NOUN
fsr-3928	27	31	booklet	booklet	NOUN
fsr-3928	27	32	explaining	explain	VERB
fsr-3928	27	33	the	the	DET
fsr-3928	27	34	settlement	settlement	NOUN
fsr-3928	27	35	statement	statement	NOUN
fsr-3928	27	36	.	.	PUNCT
fsr-3928	28	1	while	while	SCONJ
fsr-3928	28	2	information	information	NOUN
fsr-3928	28	3	related	relate	VERB
fsr-3928	28	4	to	to	ADP
fsr-3928	28	5	mortgage	mortgage	NOUN
fsr-3928	28	6	loans	loan	NOUN
fsr-3928	28	7	is	be	AUX
fsr-3928	28	8	fully	fully	ADV
fsr-3928	28	9	available	available	ADJ
fsr-3928	28	10	as	as	SCONJ
fsr-3928	28	11	required	require	VERB
fsr-3928	28	12	under	under	ADP
fsr-3928	28	13	tilarespa	tilarespa	NOUN
fsr-3928	28	14	,	,	PUNCT
fsr-3928	28	15	several	several	ADJ
fsr-3928	28	16	researchers	researcher	NOUN
fsr-3928	28	17	point	point	VERB
fsr-3928	28	18	out	out	ADP
fsr-3928	28	19	that	that	SCONJ
fsr-3928	28	20	consumers	consumer	NOUN
fsr-3928	28	21	often	often	ADV
fsr-3928	28	22	lack	lack	VERB
fsr-3928	28	23	understanding	understanding	NOUN
fsr-3928	28	24	of	of	ADP
fsr-3928	28	25	disclosed	disclose	VERB
fsr-3928	28	26	information	information	NOUN
fsr-3928	28	27	in	in	ADP
fsr-3928	28	28	the	the	DET
fsr-3928	28	29	mortgage	mortgage	NOUN
fsr-3928	28	30	loan	loan	NOUN
fsr-3928	28	31	market	market	NOUN
fsr-3928	28	32	(	(	PUNCT
fsr-3928	28	33	lee	lee	PROPN
fsr-3928	28	34	&	&	CCONJ
fsr-3928	28	35	hogarth	hogarth	PROPN
fsr-3928	28	36	,	,	PUNCT
fsr-3928	28	37	1999b	1999b	NUM
fsr-3928	28	38	;	;	PUNCT
fsr-3928	28	39	chang	chang	PROPN
fsr-3928	28	40	&	&	CCONJ
fsr-3928	28	41	hanna	hanna	PROPN
fsr-3928	28	42	,	,	PUNCT
fsr-3928	28	43	1992	1992	NUM
fsr-3928	28	44	;	;	PUNCT
fsr-3928	28	45	thakor	thakor	NOUN
fsr-3928	28	46	,	,	PUNCT
fsr-3928	28	47	beltz	beltz	PROPN
fsr-3928	28	48	&	&	CCONJ
fsr-3928	28	49	barefoot	barefoot	NOUN
fsr-3928	28	50	,	,	PUNCT
fsr-3928	28	51	1993	1993	NUM
fsr-3928	28	52	)	)	PUNCT
fsr-3928	28	53	.	.	PUNCT
fsr-3928	29	1	this	this	DET
fsr-3928	29	2	lack	lack	NOUN
fsr-3928	29	3	of	of	ADP
fsr-3928	29	4	understanding	understanding	NOUN
fsr-3928	29	5	stems	stem	VERB
fsr-3928	29	6	from	from	ADP
fsr-3928	29	7	the	the	DET
fsr-3928	29	8	complexity	complexity	NOUN
fsr-3928	29	9	of	of	ADP
fsr-3928	29	10	financial	financial	ADJ
fsr-3928	29	11	information	information	NOUN
fsr-3928	29	12	disclosed	disclose	VERB
fsr-3928	29	13	as	as	ADV
fsr-3928	29	14	well	well	ADV
fsr-3928	29	15	as	as	ADP
fsr-3928	29	16	the	the	DET
fsr-3928	29	17	proliferation	proliferation	NOUN
fsr-3928	29	18	of	of	ADP
fsr-3928	29	19	product	product	NOUN
fsr-3928	29	20	choices	choice	NOUN
fsr-3928	29	21	available	available	ADJ
fsr-3928	29	22	(	(	PUNCT
fsr-3928	29	23	kimball	kimball	PROPN
fsr-3928	29	24	,	,	PUNCT
fsr-3928	29	25	frisch	frisch	PROPN
fsr-3928	29	26	&	&	CCONJ
fsr-3928	29	27	gregor	gregor	PROPN
fsr-3928	29	28	,	,	PUNCT
fsr-3928	29	29	1997	1997	NUM
fsr-3928	29	30	)	)	PUNCT
fsr-3928	29	31	.	.	PUNCT
fsr-3928	30	1	for	for	ADP
fsr-3928	30	2	example	example	NOUN
fsr-3928	30	3	,	,	PUNCT
fsr-3928	30	4	many	many	ADJ
fsr-3928	30	5	mortgage	mortgage	NOUN
fsr-3928	30	6	lenders	lender	NOUN
fsr-3928	30	7	offer	offer	VERB
fsr-3928	30	8	a	a	DET
fsr-3928	30	9	wide	wide	ADJ
fsr-3928	30	10	variety	variety	NOUN
fsr-3928	30	11	of	of	ADP
fsr-3928	30	12	mortgage	mortgage	NOUN
fsr-3928	30	13	products	product	NOUN
fsr-3928	30	14	including	include	VERB
fsr-3928	30	15	fixed	fix	VERB
fsr-3928	30	16	or	or	CCONJ
fsr-3928	30	17	variable	variable	ADJ
fsr-3928	30	18	rates	rate	NOUN
fsr-3928	30	19	or	or	CCONJ
fsr-3928	30	20	some	some	DET
fsr-3928	30	21	hybrid	hybrid	NOUN
fsr-3928	30	22	of	of	ADP
fsr-3928	30	23	the	the	DET
fsr-3928	30	24	two	two	NUM
fsr-3928	30	25	,	,	PUNCT
fsr-3928	30	26	varying	vary	VERB
fsr-3928	30	27	terms	term	NOUN
fsr-3928	30	28	to	to	ADP
fsr-3928	30	29	maturity	maturity	NOUN
fsr-3928	30	30	,	,	PUNCT
fsr-3928	30	31	and	and	CCONJ
fsr-3928	30	32	different	different	ADJ
fsr-3928	30	33	combinations	combination	NOUN
fsr-3928	30	34	of	of	ADP
fsr-3928	30	35	rate	rate	NOUN
fsr-3928	30	36	and	and	CCONJ
fsr-3928	30	37	points	point	NOUN
fsr-3928	30	38	.	.	PUNCT
fsr-3928	31	1	because	because	SCONJ
fsr-3928	31	2	the	the	DET
fsr-3928	31	3	details	detail	NOUN
fsr-3928	31	4	of	of	ADP
fsr-3928	31	5	transactions	transaction	NOUN
fsr-3928	31	6	may	may	AUX
fsr-3928	31	7	differ	differ	VERB
fsr-3928	31	8	substantially	substantially	ADV
fsr-3928	31	9	,	,	PUNCT
fsr-3928	31	10	the	the	DET
fsr-3928	31	11	disclosed	disclose	VERB
fsr-3928	31	12	information	information	NOUN
fsr-3928	31	13	may	may	AUX
fsr-3928	31	14	not	not	PART
fsr-3928	31	15	always	always	ADV
fsr-3928	31	16	permit	permit	VERB
fsr-3928	31	17	easy	easy	ADJ
fsr-3928	31	18	comparisons	comparison	NOUN
fsr-3928	31	19	.	.	PUNCT
fsr-3928	32	1	the	the	DET
fsr-3928	32	2	language	language	NOUN
fsr-3928	32	3	of	of	ADP
fsr-3928	32	4	the	the	DET
fsr-3928	32	5	creditor	creditor	NOUN
fsr-3928	32	6	is	be	AUX
fsr-3928	32	7	also	also	ADV
fsr-3928	32	8	difficult	difficult	ADJ
fsr-3928	32	9	to	to	PART
fsr-3928	32	10	understand	understand	VERB
fsr-3928	32	11	for	for	ADP
fsr-3928	32	12	many	many	ADJ
fsr-3928	32	13	consumers	consumer	NOUN
fsr-3928	32	14	(	(	PUNCT
fsr-3928	32	15	chang	chang	PROPN
fsr-3928	32	16	&	&	CCONJ
fsr-3928	32	17	hanna	hanna	PROPN
fsr-3928	32	18	,	,	PUNCT
fsr-3928	32	19	1992	1992	NUM
fsr-3928	32	20	)	)	PUNCT
fsr-3928	32	21	,	,	PUNCT
fsr-3928	32	22	and	and	CCONJ
fsr-3928	32	23	very	very	ADV
fsr-3928	32	24	few	few	ADJ
fsr-3928	32	25	people	people	NOUN
fsr-3928	32	26	in	in	ADP
fsr-3928	32	27	fact	fact	NOUN
fsr-3928	32	28	understand	understand	VERB
fsr-3928	32	29	the	the	DET
fsr-3928	32	30	apr	apr	NOUN
fsr-3928	32	31	(	(	PUNCT
fsr-3928	32	32	lee	lee	PROPN
fsr-3928	32	33	&	&	CCONJ
fsr-3928	32	34	hogarth	hogarth	PROPN
fsr-3928	32	35	,	,	PUNCT
fsr-3928	32	36	1999b	1999b	NUM
fsr-3928	32	37	)	)	PUNCT
fsr-3928	32	38	.	.	PUNCT
fsr-3928	33	1	the	the	DET
fsr-3928	33	2	timing	timing	NOUN
fsr-3928	33	3	of	of	ADP
fsr-3928	33	4	the	the	DET
fsr-3928	33	5	information	information	NOUN
fsr-3928	33	6	disclosures	disclosure	NOUN
fsr-3928	33	7	may	may	AUX
fsr-3928	33	8	also	also	ADV
fsr-3928	33	9	compound	compound	VERB
fsr-3928	33	10	difficulties	difficulty	NOUN
fsr-3928	33	11	in	in	ADP
fsr-3928	33	12	comparisons	comparison	NOUN
fsr-3928	33	13	.	.	PUNCT
fsr-3928	34	1	when	when	SCONJ
fsr-3928	34	2	shopping	shopping	NOUN
fsr-3928	34	3	,	,	PUNCT
fsr-3928	34	4	consumers	consumer	NOUN
fsr-3928	34	5	are	be	AUX
fsr-3928	34	6	often	often	ADV
fsr-3928	34	7	quoted	quote	VERB
fsr-3928	34	8	a	a	DET
fsr-3928	34	9	contract	contract	NOUN
fsr-3928	34	10	interest	interest	NOUN
fsr-3928	34	11	rate	rate	NOUN
fsr-3928	34	12	and	and	CCONJ
fsr-3928	34	13	points	point	NOUN
fsr-3928	34	14	plus	plus	CCONJ
fsr-3928	34	15	fees	fee	NOUN
fsr-3928	34	16	;	;	PUNCT
fsr-3928	34	17	the	the	DET
fsr-3928	34	18	apr	apr	NOUN
fsr-3928	34	19	—	—	PUNCT
fsr-3928	34	20	the	the	DET
fsr-3928	34	21	metric	metric	NOUN
fsr-3928	34	22	for	for	ADP
fsr-3928	34	23	loan	loan	NOUN
fsr-3928	34	24	-	-	PUNCT
fsr-3928	34	25	to	to	ADP
fsr-3928	34	26	-	-	PUNCT
fsr-3928	34	27	loan	loan	NOUN
fsr-3928	34	28	comparisons	comparison	NOUN
fsr-3928	34	29	—	—	PUNCT
fsr-3928	34	30	is	be	AUX
fsr-3928	34	31	not	not	PART
fsr-3928	34	32	required	require	VERB
fsr-3928	34	33	to	to	PART
fsr-3928	34	34	be	be	AUX
fsr-3928	34	35	disclosed	disclose	VERB
fsr-3928	34	36	until	until	ADP
fsr-3928	34	37	three	three	NUM
fsr-3928	34	38	days	day	NOUN
fsr-3928	34	39	after	after	ADP
fsr-3928	34	40	application	application	NOUN
fsr-3928	34	41	.	.	PUNCT
fsr-3928	35	1	while	while	SCONJ
fsr-3928	35	2	this	this	DET
fsr-3928	35	3	delay	delay	NOUN
fsr-3928	35	4	enables	enable	VERB
fsr-3928	35	5	financial	financial	ADJ
fsr-3928	35	6	institutions	institution	NOUN
fsr-3928	35	7	to	to	PART
fsr-3928	35	8	provide	provide	VERB
fsr-3928	35	9	an	an	DET
fsr-3928	35	10	accurate	accurate	ADJ
fsr-3928	35	11	apr	apr	NOUN
fsr-3928	35	12	,	,	PUNCT
fsr-3928	35	13	it	it	PRON
fsr-3928	35	14	means	mean	VERB
fsr-3928	35	15	consumers	consumer	NOUN
fsr-3928	35	16	must	must	AUX
fsr-3928	35	17	actually	actually	ADV
fsr-3928	35	18	apply	apply	VERB
fsr-3928	35	19	for	for	ADP
fsr-3928	35	20	a	a	DET
fsr-3928	35	21	loan	loan	NOUN
fsr-3928	35	22	—	—	PUNCT
fsr-3928	35	23	a	a	DET
fsr-3928	35	24	step	step	NOUN
fsr-3928	35	25	usually	usually	ADV
fsr-3928	35	26	considered	consider	VERB
fsr-3928	35	27	as	as	ADP
fsr-3928	35	28	the	the	DET
fsr-3928	35	29	culmination	culmination	NOUN
fsr-3928	35	30	of	of	ADP
fsr-3928	35	31	the	the	DET
fsr-3928	35	32	shopping	shopping	NOUN
fsr-3928	35	33	process	process	NOUN
fsr-3928	35	34	—	—	PUNCT
fsr-3928	35	35	before	before	SCONJ
fsr-3928	35	36	they	they	PRON
fsr-3928	35	37	know	know	VERB
fsr-3928	35	38	the	the	DET
fsr-3928	35	39	“	"	PUNCT
fsr-3928	35	40	true	true	ADJ
fsr-3928	35	41	”	"	PUNCT
fsr-3928	35	42	interest	interest	NOUN
fsr-3928	35	43	rate	rate	NOUN
fsr-3928	35	44	.	.	PUNCT
fsr-3928	36	1	278	278	NUM
fsr-3928	36	2	j.m	j.m	PROPN
fsr-3928	36	3	.	.	PROPN
fsr-3928	36	4	hogarth	hogarth	PROPN
fsr-3928	36	5	,	,	PUNCT
fsr-3928	36	6	j.	j.	PROPN
fsr-3928	36	7	lee	lee	PROPN
fsr-3928	36	8	/	/	SYM
fsr-3928	36	9	financial	financial	PROPN
fsr-3928	36	10	services	service	NOUN
fsr-3928	36	11	review	review	VERB
fsr-3928	36	12	9	9	NUM
fsr-3928	36	13	(	(	PUNCT
fsr-3928	36	14	2000	2000	NUM
fsr-3928	36	15	)	)	PUNCT
fsr-3928	36	16	277–293	277–293	NUM
fsr-3928	36	17	3	3	NUM
fsr-3928	36	18	.	.	PUNCT
fsr-3928	37	1	literature	literature	PROPN
fsr-3928	37	2	review	review	PROPN
fsr-3928	37	3	3.1	3.1	NUM
fsr-3928	37	4	.	.	PUNCT
fsr-3928	38	1	consumer	consumer	NOUN
fsr-3928	38	2	mortgage	mortgage	NOUN
fsr-3928	38	3	shopping	shopping	NOUN
fsr-3928	38	4	behavior	behavior	NOUN
fsr-3928	38	5	in	in	ADP
fsr-3928	38	6	the	the	DET
fsr-3928	38	7	real	real	ADJ
fsr-3928	38	8	estate	estate	NOUN
fsr-3928	38	9	finance	finance	NOUN
fsr-3928	38	10	literature	literature	NOUN
fsr-3928	39	1	,	,	PUNCT
fsr-3928	39	2	consumers	consumer	NOUN
fsr-3928	39	3	’	'	PUNCT
fsr-3928	39	4	choice	choice	NOUN
fsr-3928	39	5	of	of	ADP
fsr-3928	39	6	a	a	DET
fsr-3928	39	7	mortgage	mortgage	NOUN
fsr-3928	39	8	loan	loan	NOUN
fsr-3928	39	9	is	be	AUX
fsr-3928	39	10	conceptualized	conceptualize	VERB
fsr-3928	39	11	as	as	ADP
fsr-3928	39	12	a	a	DET
fsr-3928	39	13	function	function	NOUN
fsr-3928	39	14	of	of	ADP
fsr-3928	39	15	the	the	DET
fsr-3928	39	16	loan	loan	NOUN
fsr-3928	39	17	-	-	PUNCT
fsr-3928	39	18	to	to	ADP
fsr-3928	39	19	-	-	PUNCT
fsr-3928	39	20	value	value	NOUN
fsr-3928	39	21	ratio	ratio	NOUN
fsr-3928	39	22	,	,	PUNCT
fsr-3928	39	23	the	the	DET
fsr-3928	39	24	likelihood	likelihood	NOUN
fsr-3928	39	25	of	of	ADP
fsr-3928	39	26	prepayment	prepayment	NOUN
fsr-3928	39	27	,	,	PUNCT
fsr-3928	39	28	the	the	DET
fsr-3928	39	29	points	point	NOUN
fsr-3928	39	30	-	-	PUNCT
fsr-3928	39	31	interestrate	interestrate	NOUN
fsr-3928	39	32	tradeoff	tradeoff	NOUN
fsr-3928	39	33	and	and	CCONJ
fsr-3928	39	34	the	the	DET
fsr-3928	39	35	type	type	NOUN
fsr-3928	39	36	mortgage	mortgage	NOUN
fsr-3928	39	37	sought	seek	VERB
fsr-3928	39	38	(	(	PUNCT
fsr-3928	39	39	fixed	fix	VERB
fsr-3928	39	40	or	or	CCONJ
fsr-3928	39	41	adjustable	adjustable	ADJ
fsr-3928	39	42	)	)	PUNCT
fsr-3928	39	43	.	.	PUNCT
fsr-3928	40	1	sources	source	NOUN
fsr-3928	40	2	of	of	ADP
fsr-3928	40	3	uncertainty	uncertainty	NOUN
fsr-3928	40	4	,	,	PUNCT
fsr-3928	40	5	including	include	VERB
fsr-3928	40	6	future	future	ADJ
fsr-3928	40	7	interest	interest	NOUN
fsr-3928	40	8	rates	rate	NOUN
fsr-3928	40	9	,	,	PUNCT
fsr-3928	40	10	housing	housing	NOUN
fsr-3928	40	11	prices	price	NOUN
fsr-3928	40	12	,	,	PUNCT
fsr-3928	40	13	and	and	CCONJ
fsr-3928	40	14	general	general	ADJ
fsr-3928	40	15	economic	economic	ADJ
fsr-3928	40	16	conditions	condition	NOUN
fsr-3928	40	17	,	,	PUNCT
fsr-3928	40	18	are	be	AUX
fsr-3928	40	19	other	other	ADJ
fsr-3928	40	20	factors	factor	NOUN
fsr-3928	40	21	in	in	ADP
fsr-3928	40	22	the	the	DET
fsr-3928	40	23	mortgage	mortgage	NOUN
fsr-3928	40	24	decision	decision	NOUN
fsr-3928	40	25	(	(	PUNCT
fsr-3928	40	26	follain	follain	NOUN
fsr-3928	40	27	,	,	PUNCT
fsr-3928	40	28	1990	1990	NUM
fsr-3928	40	29	)	)	PUNCT
fsr-3928	40	30	.	.	PUNCT
fsr-3928	41	1	previous	previous	ADJ
fsr-3928	41	2	researchers	researcher	NOUN
fsr-3928	41	3	have	have	AUX
fsr-3928	41	4	tended	tend	VERB
fsr-3928	41	5	to	to	PART
fsr-3928	41	6	focus	focus	VERB
fsr-3928	41	7	on	on	ADP
fsr-3928	41	8	only	only	ADV
fsr-3928	41	9	one	one	NUM
fsr-3928	41	10	dimension	dimension	NOUN
fsr-3928	41	11	of	of	ADP
fsr-3928	41	12	the	the	DET
fsr-3928	41	13	decision	decision	NOUN
fsr-3928	41	14	.	.	PUNCT
fsr-3928	42	1	yang	yang	PROPN
fsr-3928	42	2	(	(	PUNCT
fsr-3928	42	3	1992	1992	NUM
fsr-3928	42	4	)	)	PUNCT
fsr-3928	42	5	,	,	PUNCT
fsr-3928	42	6	for	for	ADP
fsr-3928	42	7	example	example	NOUN
fsr-3928	42	8	,	,	PUNCT
fsr-3928	42	9	focused	focus	VERB
fsr-3928	42	10	on	on	ADP
fsr-3928	42	11	estimating	estimate	VERB
fsr-3928	42	12	the	the	DET
fsr-3928	42	13	points	point	NOUN
fsr-3928	42	14	-	-	PUNCT
fsr-3928	42	15	interest	interest	NOUN
fsr-3928	42	16	-	-	PUNCT
fsr-3928	42	17	rate	rate	NOUN
fsr-3928	42	18	trade	trade	NOUN
fsr-3928	42	19	-	-	PUNCT
fsr-3928	42	20	off	off	NOUN
fsr-3928	42	21	for	for	ADP
fsr-3928	42	22	both	both	DET
fsr-3928	42	23	purchase	purchase	NOUN
fsr-3928	42	24	money	money	NOUN
fsr-3928	42	25	and	and	CCONJ
fsr-3928	42	26	refinancing	refinance	VERB
fsr-3928	42	27	mortgages	mortgage	NOUN
fsr-3928	42	28	.	.	PUNCT
fsr-3928	43	1	lino	lino	NOUN
fsr-3928	43	2	(	(	PUNCT
fsr-3928	43	3	1992	1992	NUM
fsr-3928	43	4	)	)	PUNCT
fsr-3928	43	5	,	,	PUNCT
fsr-3928	43	6	on	on	ADP
fsr-3928	43	7	the	the	DET
fsr-3928	43	8	other	other	ADJ
fsr-3928	43	9	hand	hand	NOUN
fsr-3928	43	10	,	,	PUNCT
fsr-3928	43	11	focused	focus	VERB
fsr-3928	43	12	on	on	ADP
fsr-3928	43	13	consumers	consumer	NOUN
fsr-3928	43	14	’	'	PUNCT
fsr-3928	43	15	choice	choice	NOUN
fsr-3928	43	16	of	of	ADP
fsr-3928	43	17	a	a	DET
fsr-3928	43	18	fixed	fix	VERB
fsr-3928	43	19	or	or	CCONJ
fsr-3928	43	20	adjustable	adjustable	ADJ
fsr-3928	43	21	rate	rate	NOUN
fsr-3928	43	22	mortgage	mortgage	NOUN
fsr-3928	43	23	based	base	VERB
fsr-3928	43	24	on	on	ADP
fsr-3928	43	25	the	the	DET
fsr-3928	43	26	consumers	consumer	NOUN
fsr-3928	43	27	’	'	PUNCT
fsr-3928	43	28	assessment	assessment	NOUN
fsr-3928	43	29	of	of	ADP
fsr-3928	43	30	interest	interest	NOUN
fsr-3928	43	31	rate	rate	NOUN
fsr-3928	43	32	risks	risk	NOUN
fsr-3928	43	33	.	.	PUNCT
fsr-3928	44	1	it	it	PRON
fsr-3928	44	2	is	be	AUX
fsr-3928	44	3	,	,	PUNCT
fsr-3928	44	4	however	however	ADV
fsr-3928	44	5	,	,	PUNCT
fsr-3928	44	6	critical	critical	ADJ
fsr-3928	44	7	to	to	PART
fsr-3928	44	8	investigate	investigate	VERB
fsr-3928	44	9	all	all	DET
fsr-3928	44	10	the	the	DET
fsr-3928	44	11	elements	element	NOUN
fsr-3928	44	12	of	of	ADP
fsr-3928	44	13	a	a	DET
fsr-3928	44	14	loan	loan	NOUN
fsr-3928	44	15	to	to	PART
fsr-3928	44	16	obtain	obtain	VERB
fsr-3928	44	17	a	a	DET
fsr-3928	44	18	full	full	ADJ
fsr-3928	44	19	understanding	understanding	NOUN
fsr-3928	44	20	of	of	ADP
fsr-3928	44	21	consumer	consumer	NOUN
fsr-3928	44	22	shopping	shopping	NOUN
fsr-3928	44	23	behavior	behavior	NOUN
fsr-3928	44	24	for	for	ADP
fsr-3928	44	25	a	a	DET
fsr-3928	44	26	mortgage	mortgage	NOUN
fsr-3928	44	27	loan	loan	NOUN
fsr-3928	44	28	.	.	PUNCT
fsr-3928	45	1	stigler	stigler	NOUN
fsr-3928	45	2	’s	’s	PART
fsr-3928	45	3	(	(	PUNCT
fsr-3928	45	4	stigler	stigler	NOUN
fsr-3928	45	5	,	,	PUNCT
fsr-3928	45	6	1961	1961	NUM
fsr-3928	45	7	)	)	PUNCT
fsr-3928	45	8	seminal	seminal	ADJ
fsr-3928	45	9	work	work	NOUN
fsr-3928	45	10	on	on	ADP
fsr-3928	45	11	the	the	DET
fsr-3928	45	12	economics	economic	NOUN
fsr-3928	45	13	of	of	ADP
fsr-3928	45	14	information	information	NOUN
fsr-3928	45	15	provides	provide	VERB
fsr-3928	45	16	a	a	DET
fsr-3928	45	17	theoretical	theoretical	ADJ
fsr-3928	45	18	basis	basis	NOUN
fsr-3928	45	19	for	for	ADP
fsr-3928	45	20	consumer	consumer	NOUN
fsr-3928	45	21	’s	’s	PART
fsr-3928	45	22	information	information	NOUN
fsr-3928	45	23	search	search	NOUN
fsr-3928	45	24	behavior	behavior	NOUN
fsr-3928	45	25	when	when	SCONJ
fsr-3928	45	26	faced	face	VERB
fsr-3928	45	27	with	with	ADP
fsr-3928	45	28	choosing	choose	VERB
fsr-3928	45	29	a	a	DET
fsr-3928	45	30	home	home	NOUN
fsr-3928	45	31	mortgage	mortgage	NOUN
fsr-3928	45	32	loan	loan	NOUN
fsr-3928	45	33	.	.	PUNCT
fsr-3928	46	1	according	accord	VERB
fsr-3928	46	2	to	to	ADP
fsr-3928	46	3	stigler	stigler	NOUN
fsr-3928	46	4	,	,	PUNCT
fsr-3928	46	5	market	market	NOUN
fsr-3928	46	6	price	price	NOUN
fsr-3928	46	7	dispersion	dispersion	NOUN
fsr-3928	46	8	is	be	AUX
fsr-3928	46	9	the	the	DET
fsr-3928	46	10	major	major	ADJ
fsr-3928	46	11	reason	reason	NOUN
fsr-3928	46	12	for	for	SCONJ
fsr-3928	46	13	consumers	consumer	NOUN
fsr-3928	46	14	to	to	PART
fsr-3928	46	15	engage	engage	VERB
fsr-3928	46	16	in	in	ADP
fsr-3928	46	17	information	information	NOUN
fsr-3928	46	18	search	search	NOUN
fsr-3928	46	19	.	.	PUNCT
fsr-3928	47	1	consumers	consumer	NOUN
fsr-3928	47	2	can	can	AUX
fsr-3928	47	3	close	close	VERB
fsr-3928	47	4	price	price	NOUN
fsr-3928	47	5	gaps	gap	NOUN
fsr-3928	47	6	by	by	ADP
fsr-3928	47	7	searching	search	VERB
fsr-3928	47	8	for	for	ADP
fsr-3928	47	9	price	price	NOUN
fsr-3928	47	10	information	information	NOUN
fsr-3928	47	11	,	,	PUNCT
fsr-3928	47	12	but	but	CCONJ
fsr-3928	47	13	at	at	ADP
fsr-3928	47	14	some	some	DET
fsr-3928	47	15	cost	cost	NOUN
fsr-3928	47	16	in	in	ADP
fsr-3928	47	17	terms	term	NOUN
fsr-3928	47	18	of	of	ADP
fsr-3928	47	19	time	time	NOUN
fsr-3928	47	20	and	and	CCONJ
fsr-3928	47	21	money	money	NOUN
fsr-3928	47	22	.	.	PUNCT
fsr-3928	48	1	a	a	DET
fsr-3928	48	2	consumer	consumer	NOUN
fsr-3928	48	3	will	will	AUX
fsr-3928	48	4	search	search	VERB
fsr-3928	48	5	for	for	ADP
fsr-3928	48	6	lower	low	ADJ
fsr-3928	48	7	prices	price	NOUN
fsr-3928	48	8	as	as	ADV
fsr-3928	48	9	long	long	ADV
fsr-3928	48	10	as	as	SCONJ
fsr-3928	48	11	the	the	DET
fsr-3928	48	12	marginal	marginal	ADJ
fsr-3928	48	13	benefits	benefit	NOUN
fsr-3928	48	14	from	from	ADP
fsr-3928	48	15	additional	additional	ADJ
fsr-3928	48	16	search	search	NOUN
fsr-3928	48	17	exceed	exceed	VERB
fsr-3928	48	18	the	the	DET
fsr-3928	48	19	marginal	marginal	ADJ
fsr-3928	48	20	costs	cost	NOUN
fsr-3928	48	21	of	of	ADP
fsr-3928	48	22	search	search	NOUN
fsr-3928	48	23	.	.	PUNCT
fsr-3928	49	1	chang	chang	PROPN
fsr-3928	49	2	and	and	CCONJ
fsr-3928	49	3	hanna	hanna	PROPN
fsr-3928	49	4	(	(	PUNCT
fsr-3928	49	5	1992	1992	NUM
fsr-3928	49	6	)	)	PUNCT
fsr-3928	49	7	discussed	discuss	VERB
fsr-3928	49	8	the	the	DET
fsr-3928	49	9	benefits	benefit	NOUN
fsr-3928	49	10	and	and	CCONJ
fsr-3928	49	11	costs	cost	NOUN
fsr-3928	49	12	of	of	ADP
fsr-3928	49	13	search	search	NOUN
fsr-3928	49	14	for	for	ADP
fsr-3928	49	15	credit	credit	NOUN
fsr-3928	49	16	(	(	PUNCT
fsr-3928	49	17	general	general	ADJ
fsr-3928	49	18	credit	credit	NOUN
fsr-3928	49	19	,	,	PUNCT
fsr-3928	49	20	not	not	PART
fsr-3928	49	21	specific	specific	ADJ
fsr-3928	49	22	to	to	ADP
fsr-3928	49	23	home	home	NOUN
fsr-3928	49	24	mortgage	mortgage	NOUN
fsr-3928	49	25	loans	loan	NOUN
fsr-3928	49	26	)	)	PUNCT
fsr-3928	49	27	.	.	PUNCT
fsr-3928	50	1	immediate	immediate	ADJ
fsr-3928	50	2	benefits	benefit	NOUN
fsr-3928	50	3	include	include	VERB
fsr-3928	50	4	lower	low	ADJ
fsr-3928	50	5	interest	interest	NOUN
fsr-3928	50	6	rates	rate	NOUN
fsr-3928	50	7	and	and	CCONJ
fsr-3928	50	8	finance	finance	NOUN
fsr-3928	50	9	charges	charge	NOUN
fsr-3928	50	10	;	;	PUNCT
fsr-3928	50	11	indirect	indirect	ADJ
fsr-3928	50	12	benefits	benefit	NOUN
fsr-3928	50	13	include	include	VERB
fsr-3928	50	14	better	well	ADJ
fsr-3928	50	15	money	money	NOUN
fsr-3928	50	16	management	management	NOUN
fsr-3928	50	17	,	,	PUNCT
fsr-3928	50	18	greater	great	ADJ
fsr-3928	50	19	savings	saving	NOUN
fsr-3928	50	20	and	and	CCONJ
fsr-3928	50	21	convenience	convenience	NOUN
fsr-3928	50	22	from	from	ADP
fsr-3928	50	23	using	use	VERB
fsr-3928	50	24	appropriate	appropriate	ADJ
fsr-3928	50	25	credit	credit	NOUN
fsr-3928	50	26	,	,	PUNCT
fsr-3928	50	27	and	and	CCONJ
fsr-3928	50	28	gains	gain	NOUN
fsr-3928	50	29	in	in	ADP
fsr-3928	50	30	financial	financial	ADJ
fsr-3928	50	31	knowledge	knowledge	NOUN
fsr-3928	50	32	and	and	CCONJ
fsr-3928	50	33	experience	experience	NOUN
fsr-3928	50	34	gathered	gather	VERB
fsr-3928	50	35	from	from	ADP
fsr-3928	50	36	the	the	DET
fsr-3928	50	37	search	search	NOUN
fsr-3928	50	38	process	process	NOUN
fsr-3928	50	39	.	.	PUNCT
fsr-3928	51	1	the	the	DET
fsr-3928	51	2	costs	cost	NOUN
fsr-3928	51	3	of	of	ADP
fsr-3928	51	4	search	search	NOUN
fsr-3928	51	5	include	include	VERB
fsr-3928	51	6	the	the	DET
fsr-3928	51	7	opportunity	opportunity	NOUN
fsr-3928	51	8	cost	cost	NOUN
fsr-3928	51	9	of	of	ADP
fsr-3928	51	10	time	time	NOUN
fsr-3928	51	11	and	and	CCONJ
fsr-3928	51	12	physical	physical	ADJ
fsr-3928	51	13	and	and	CCONJ
fsr-3928	51	14	mental	mental	ADJ
fsr-3928	51	15	effort	effort	NOUN
fsr-3928	51	16	spent	spend	VERB
fsr-3928	51	17	in	in	ADP
fsr-3928	51	18	search	search	NOUN
fsr-3928	51	19	process	process	NOUN
fsr-3928	51	20	.	.	PUNCT
fsr-3928	52	1	they	they	PRON
fsr-3928	52	2	noted	note	VERB
fsr-3928	52	3	that	that	SCONJ
fsr-3928	52	4	in	in	ADP
fsr-3928	52	5	today	today	NOUN
fsr-3928	52	6	’s	’s	PART
fsr-3928	52	7	complex	complex	ADJ
fsr-3928	52	8	financial	financial	ADJ
fsr-3928	52	9	market	market	NOUN
fsr-3928	52	10	,	,	PUNCT
fsr-3928	52	11	the	the	DET
fsr-3928	52	12	cost	cost	NOUN
fsr-3928	52	13	of	of	ADP
fsr-3928	52	14	information	information	NOUN
fsr-3928	52	15	search	search	NOUN
fsr-3928	52	16	may	may	AUX
fsr-3928	52	17	be	be	AUX
fsr-3928	52	18	much	much	ADV
fsr-3928	52	19	greater	great	ADJ
fsr-3928	52	20	for	for	ADP
fsr-3928	52	21	a	a	DET
fsr-3928	52	22	money	money	NOUN
fsr-3928	52	23	borrower	borrower	NOUN
fsr-3928	52	24	than	than	ADP
fsr-3928	52	25	a	a	DET
fsr-3928	52	26	goods	good	NOUN
fsr-3928	52	27	buyer	buyer	NOUN
fsr-3928	52	28	because	because	SCONJ
fsr-3928	52	29	the	the	DET
fsr-3928	52	30	cost	cost	NOUN
fsr-3928	52	31	of	of	ADP
fsr-3928	52	32	this	this	DET
fsr-3928	52	33	service	service	NOUN
fsr-3928	52	34	is	be	AUX
fsr-3928	52	35	often	often	ADV
fsr-3928	52	36	not	not	PART
fsr-3928	52	37	fully	fully	ADV
fsr-3928	52	38	or	or	CCONJ
fsr-3928	52	39	clearly	clearly	ADV
fsr-3928	52	40	disclosed	disclose	VERB
fsr-3928	52	41	until	until	ADP
fsr-3928	52	42	the	the	DET
fsr-3928	52	43	time	time	NOUN
fsr-3928	52	44	of	of	ADP
fsr-3928	52	45	application	application	NOUN
fsr-3928	52	46	.	.	PUNCT
fsr-3928	53	1	lee	lee	PROPN
fsr-3928	53	2	and	and	CCONJ
fsr-3928	53	3	hogarth	hogarth	NOUN
fsr-3928	53	4	(	(	PUNCT
fsr-3928	53	5	1999b	1999b	NUM
fsr-3928	53	6	)	)	PUNCT
fsr-3928	53	7	showed	show	VERB
fsr-3928	53	8	that	that	SCONJ
fsr-3928	53	9	many	many	ADJ
fsr-3928	53	10	consumers	consumer	NOUN
fsr-3928	53	11	are	be	AUX
fsr-3928	53	12	confused	confused	ADJ
fsr-3928	53	13	about	about	ADP
fsr-3928	53	14	the	the	DET
fsr-3928	53	15	price	price	NOUN
fsr-3928	53	16	of	of	ADP
fsr-3928	53	17	a	a	DET
fsr-3928	53	18	home	home	NOUN
fsr-3928	53	19	mortgage	mortgage	NOUN
fsr-3928	53	20	loan	loan	NOUN
fsr-3928	53	21	as	as	SCONJ
fsr-3928	53	22	measured	measure	VERB
fsr-3928	53	23	by	by	ADP
fsr-3928	53	24	the	the	DET
fsr-3928	53	25	difference	difference	NOUN
fsr-3928	53	26	between	between	ADP
fsr-3928	53	27	the	the	DET
fsr-3928	53	28	contract	contract	NOUN
fsr-3928	53	29	interest	interest	NOUN
fsr-3928	53	30	rate	rate	NOUN
fsr-3928	53	31	and	and	CCONJ
fsr-3928	53	32	the	the	DET
fsr-3928	53	33	apr	apr	NOUN
fsr-3928	53	34	.	.	PUNCT
fsr-3928	54	1	also	also	ADV
fsr-3928	54	2	,	,	PUNCT
fsr-3928	54	3	the	the	DET
fsr-3928	54	4	terms	term	NOUN
fsr-3928	54	5	used	use	VERB
fsr-3928	54	6	with	with	ADP
fsr-3928	54	7	closed	close	VERB
fsr-3928	54	8	-	-	PUNCT
fsr-3928	54	9	end	end	NOUN
fsr-3928	54	10	credit	credit	NOUN
fsr-3928	54	11	products	product	NOUN
fsr-3928	54	12	may	may	AUX
fsr-3928	54	13	be	be	AUX
fsr-3928	54	14	more	more	ADV
fsr-3928	54	15	complicated	complicated	ADJ
fsr-3928	54	16	than	than	ADP
fsr-3928	54	17	those	those	PRON
fsr-3928	54	18	used	use	VERB
fsr-3928	54	19	in	in	ADP
fsr-3928	54	20	open	open	ADJ
fsr-3928	54	21	-	-	PUNCT
fsr-3928	54	22	end	end	NOUN
fsr-3928	54	23	credit	credit	NOUN
fsr-3928	54	24	products	product	NOUN
fsr-3928	54	25	,	,	PUNCT
fsr-3928	54	26	such	such	ADJ
fsr-3928	54	27	as	as	ADP
fsr-3928	54	28	credit	credit	NOUN
fsr-3928	54	29	cards	card	NOUN
fsr-3928	54	30	.	.	PUNCT
fsr-3928	55	1	psychological	psychological	ADJ
fsr-3928	55	2	dislike	dislike	NOUN
fsr-3928	55	3	or	or	CCONJ
fsr-3928	55	4	enjoyment	enjoyment	NOUN
fsr-3928	55	5	of	of	ADP
fsr-3928	55	6	search	search	NOUN
fsr-3928	55	7	influences	influence	NOUN
fsr-3928	55	8	consumers	consumer	NOUN
fsr-3928	55	9	’	’	PART
fsr-3928	55	10	perception	perception	NOUN
fsr-3928	55	11	of	of	ADP
fsr-3928	55	12	the	the	DET
fsr-3928	55	13	benefits	benefit	NOUN
fsr-3928	55	14	and	and	CCONJ
fsr-3928	55	15	costs	cost	NOUN
fsr-3928	55	16	of	of	ADP
fsr-3928	55	17	search	search	NOUN
fsr-3928	55	18	(	(	PUNCT
fsr-3928	55	19	babin	babin	PROPN
fsr-3928	55	20	,	,	PUNCT
fsr-3928	55	21	darden	darden	PROPN
fsr-3928	55	22	&	&	CCONJ
fsr-3928	55	23	griffin	griffin	PROPN
fsr-3928	55	24	,	,	PUNCT
fsr-3928	55	25	1994	1994	NUM
fsr-3928	55	26	)	)	PUNCT
fsr-3928	55	27	.	.	PUNCT
fsr-3928	56	1	also	also	ADV
fsr-3928	56	2	,	,	PUNCT
fsr-3928	56	3	“	"	PUNCT
fsr-3928	56	4	high	high	ADJ
fsr-3928	56	5	-	-	PUNCT
fsr-3928	56	6	risk	risk	NOUN
fsr-3928	56	7	”	"	PUNCT
fsr-3928	56	8	consumers	consumer	NOUN
fsr-3928	56	9	may	may	AUX
fsr-3928	56	10	be	be	AUX
fsr-3928	56	11	less	less	ADV
fsr-3928	56	12	willing	willing	ADJ
fsr-3928	56	13	to	to	PART
fsr-3928	56	14	engage	engage	VERB
fsr-3928	56	15	in	in	ADP
fsr-3928	56	16	search	search	NOUN
fsr-3928	56	17	in	in	ADP
fsr-3928	56	18	order	order	NOUN
fsr-3928	56	19	to	to	PART
fsr-3928	56	20	avoid	avoid	VERB
fsr-3928	56	21	being	be	AUX
fsr-3928	56	22	turned	turn	VERB
fsr-3928	56	23	down	down	ADP
fsr-3928	56	24	.	.	PUNCT
fsr-3928	57	1	on	on	ADP
fsr-3928	57	2	the	the	DET
fsr-3928	57	3	other	other	ADJ
fsr-3928	57	4	hand	hand	NOUN
fsr-3928	57	5	,	,	PUNCT
fsr-3928	57	6	if	if	SCONJ
fsr-3928	57	7	they	they	PRON
fsr-3928	57	8	are	be	AUX
fsr-3928	57	9	turned	turn	VERB
fsr-3928	57	10	down	down	ADP
fsr-3928	57	11	or	or	CCONJ
fsr-3928	57	12	obtain	obtain	VERB
fsr-3928	57	13	a	a	DET
fsr-3928	57	14	smaller	small	ADJ
fsr-3928	57	15	loan	loan	NOUN
fsr-3928	57	16	than	than	SCONJ
fsr-3928	57	17	needed	need	VERB
fsr-3928	57	18	,	,	PUNCT
fsr-3928	57	19	they	they	PRON
fsr-3928	57	20	may	may	AUX
fsr-3928	57	21	be	be	AUX
fsr-3928	57	22	forced	force	VERB
fsr-3928	57	23	to	to	PART
fsr-3928	57	24	engage	engage	VERB
fsr-3928	57	25	in	in	ADP
fsr-3928	57	26	further	further	ADJ
fsr-3928	57	27	search	search	NOUN
fsr-3928	57	28	activities	activity	NOUN
fsr-3928	57	29	.	.	PUNCT
fsr-3928	58	1	it	it	PRON
fsr-3928	58	2	might	might	AUX
fsr-3928	58	3	be	be	AUX
fsr-3928	58	4	important	important	ADJ
fsr-3928	58	5	to	to	PART
fsr-3928	58	6	distinguish	distinguish	VERB
fsr-3928	58	7	between	between	ADP
fsr-3928	58	8	information	information	NOUN
fsr-3928	58	9	search	search	NOUN
fsr-3928	58	10	behavior	behavior	NOUN
fsr-3928	58	11	by	by	ADP
fsr-3928	58	12	refinancers	refinancer	NOUN
fsr-3928	58	13	and	and	CCONJ
fsr-3928	58	14	other	other	ADJ
fsr-3928	58	15	mortgage	mortgage	NOUN
fsr-3928	58	16	borrowers	borrower	NOUN
fsr-3928	58	17	,	,	PUNCT
fsr-3928	58	18	since	since	SCONJ
fsr-3928	58	19	their	their	PRON
fsr-3928	58	20	behaviors	behavior	NOUN
fsr-3928	58	21	are	be	AUX
fsr-3928	58	22	governed	govern	VERB
fsr-3928	58	23	by	by	ADP
fsr-3928	58	24	different	different	ADJ
fsr-3928	58	25	situations	situation	NOUN
fsr-3928	58	26	.	.	PUNCT
fsr-3928	59	1	unlike	unlike	ADP
fsr-3928	59	2	purchase	purchase	NOUN
fsr-3928	59	3	-	-	PUNCT
fsr-3928	59	4	money	money	NOUN
fsr-3928	59	5	mortgage	mortgage	NOUN
fsr-3928	59	6	borrowers	borrower	NOUN
fsr-3928	59	7	whose	whose	DET
fsr-3928	59	8	home	home	NOUN
fsr-3928	59	9	buying	buying	NOUN
fsr-3928	59	10	activities	activity	NOUN
fsr-3928	59	11	compete	compete	VERB
fsr-3928	59	12	with	with	ADP
fsr-3928	59	13	their	their	PRON
fsr-3928	59	14	time	time	NOUN
fsr-3928	59	15	devoted	devote	VERB
fsr-3928	59	16	to	to	ADP
fsr-3928	59	17	mortgage	mortgage	NOUN
fsr-3928	59	18	shopping	shopping	NOUN
fsr-3928	59	19	activities	activity	NOUN
fsr-3928	59	20	,	,	PUNCT
fsr-3928	59	21	refinancers	refinancer	NOUN
fsr-3928	59	22	usually	usually	ADV
fsr-3928	59	23	have	have	VERB
fsr-3928	59	24	a	a	PRON
fsr-3928	59	25	longer	long	ADJ
fsr-3928	59	26	lead	lead	NOUN
fsr-3928	59	27	279j.m	279j.m	NUM
fsr-3928	59	28	.	.	PUNCT
fsr-3928	60	1	hogarth	hogarth	NOUN
fsr-3928	60	2	,	,	PUNCT
fsr-3928	60	3	j.	j.	PROPN
fsr-3928	60	4	lee	lee	PROPN
fsr-3928	60	5	/	/	SYM
fsr-3928	60	6	financial	financial	PROPN
fsr-3928	60	7	services	service	NOUN
fsr-3928	60	8	review	review	VERB
fsr-3928	60	9	9	9	NUM
fsr-3928	60	10	(	(	PUNCT
fsr-3928	60	11	2000	2000	NUM
fsr-3928	60	12	)	)	PUNCT
fsr-3928	61	1	277–293	277–293	NUM
fsr-3928	61	2	time	time	NOUN
fsr-3928	61	3	and	and	CCONJ
fsr-3928	61	4	more	more	ADJ
fsr-3928	61	5	flexibility	flexibility	NOUN
fsr-3928	61	6	to	to	PART
fsr-3928	61	7	engage	engage	VERB
fsr-3928	61	8	in	in	ADP
fsr-3928	61	9	information	information	NOUN
fsr-3928	61	10	search	search	NOUN
fsr-3928	61	11	activities	activity	NOUN
fsr-3928	61	12	.	.	PUNCT
fsr-3928	62	1	refinancing	refinance	VERB
fsr-3928	62	2	also	also	ADV
fsr-3928	62	3	suggests	suggest	VERB
fsr-3928	62	4	that	that	SCONJ
fsr-3928	62	5	consumers	consumer	NOUN
fsr-3928	62	6	have	have	VERB
fsr-3928	62	7	experience	experience	NOUN
fsr-3928	62	8	with	with	ADP
fsr-3928	62	9	the	the	DET
fsr-3928	62	10	mortgage	mortgage	NOUN
fsr-3928	62	11	loan	loan	NOUN
fsr-3928	62	12	process	process	NOUN
fsr-3928	62	13	at	at	ADP
fsr-3928	62	14	least	least	ADJ
fsr-3928	62	15	once	once	ADV
fsr-3928	62	16	with	with	ADP
fsr-3928	62	17	their	their	PRON
fsr-3928	62	18	current	current	ADJ
fsr-3928	62	19	mortgage	mortgage	NOUN
fsr-3928	62	20	,	,	PUNCT
fsr-3928	62	21	unlike	unlike	ADP
fsr-3928	62	22	first	first	ADJ
fsr-3928	62	23	time	time	NOUN
fsr-3928	62	24	homebuyers	homebuyer	NOUN
fsr-3928	62	25	.	.	PUNCT
fsr-3928	63	1	on	on	ADP
fsr-3928	63	2	the	the	DET
fsr-3928	63	3	other	other	ADJ
fsr-3928	63	4	hand	hand	NOUN
fsr-3928	63	5	,	,	PUNCT
fsr-3928	63	6	compared	compare	VERB
fsr-3928	63	7	with	with	ADP
fsr-3928	63	8	refinancers	refinancer	NOUN
fsr-3928	63	9	,	,	PUNCT
fsr-3928	63	10	homebuyers	homebuyer	NOUN
fsr-3928	63	11	have	have	VERB
fsr-3928	63	12	more	more	ADJ
fsr-3928	63	13	recent	recent	ADJ
fsr-3928	63	14	exposure	exposure	NOUN
fsr-3928	63	15	to	to	ADP
fsr-3928	63	16	real	real	ADJ
fsr-3928	63	17	estate	estate	NOUN
fsr-3928	63	18	agents	agent	NOUN
fsr-3928	63	19	who	who	PRON
fsr-3928	63	20	may	may	AUX
fsr-3928	63	21	serve	serve	VERB
fsr-3928	63	22	as	as	ADP
fsr-3928	63	23	an	an	DET
fsr-3928	63	24	information	information	NOUN
fsr-3928	63	25	and	and	CCONJ
fsr-3928	63	26	referral	referral	ADJ
fsr-3928	63	27	source	source	NOUN
fsr-3928	63	28	.	.	PUNCT
fsr-3928	64	1	refinancing	refinancing	NOUN
fsr-3928	64	2	has	have	AUX
fsr-3928	64	3	been	be	AUX
fsr-3928	64	4	cast	cast	VERB
fsr-3928	64	5	as	as	ADP
fsr-3928	64	6	an	an	DET
fsr-3928	64	7	information	information	NOUN
fsr-3928	64	8	asymmetry	asymmetry	NOUN
fsr-3928	64	9	problem	problem	NOUN
fsr-3928	64	10	,	,	PUNCT
fsr-3928	64	11	with	with	ADP
fsr-3928	64	12	consumers	consumer	NOUN
fsr-3928	64	13	knowing	know	VERB
fsr-3928	64	14	when	when	SCONJ
fsr-3928	64	15	(	(	PUNCT
fsr-3928	64	16	i.e.	i.e.	X
fsr-3928	64	17	,	,	PUNCT
fsr-3928	64	18	under	under	ADP
fsr-3928	64	19	which	which	DET
fsr-3928	64	20	conditions	condition	NOUN
fsr-3928	64	21	)	)	PUNCT
fsr-3928	64	22	they	they	PRON
fsr-3928	64	23	will	will	AUX
fsr-3928	64	24	refinance	refinance	VERB
fsr-3928	64	25	;	;	PUNCT
fsr-3928	64	26	lenders	lender	NOUN
fsr-3928	64	27	are	be	AUX
fsr-3928	64	28	assumed	assume	VERB
fsr-3928	64	29	not	not	PART
fsr-3928	64	30	to	to	PART
fsr-3928	64	31	have	have	VERB
fsr-3928	64	32	this	this	DET
fsr-3928	64	33	information	information	NOUN
fsr-3928	64	34	(	(	PUNCT
fsr-3928	64	35	yang	yang	PROPN
fsr-3928	64	36	&	&	CCONJ
fsr-3928	64	37	maris	maris	PROPN
fsr-3928	64	38	,	,	PUNCT
fsr-3928	64	39	1993	1993	NUM
fsr-3928	64	40	)	)	PUNCT
fsr-3928	64	41	.	.	PUNCT
fsr-3928	65	1	refinancing	refinance	VERB
fsr-3928	65	2	is	be	AUX
fsr-3928	65	3	posited	posit	VERB
fsr-3928	65	4	to	to	PART
fsr-3928	65	5	be	be	AUX
fsr-3928	65	6	a	a	DET
fsr-3928	65	7	function	function	NOUN
fsr-3928	65	8	of	of	ADP
fsr-3928	65	9	mortgage	mortgage	NOUN
fsr-3928	65	10	value	value	NOUN
fsr-3928	65	11	,	,	PUNCT
fsr-3928	65	12	ability	ability	NOUN
fsr-3928	65	13	to	to	PART
fsr-3928	65	14	repay	repay	VERB
fsr-3928	65	15	,	,	PUNCT
fsr-3928	65	16	amount	amount	NOUN
fsr-3928	65	17	of	of	ADP
fsr-3928	65	18	equity	equity	NOUN
fsr-3928	65	19	,	,	PUNCT
fsr-3928	65	20	and	and	CCONJ
fsr-3928	65	21	credit	credit	NOUN
fsr-3928	65	22	worthiness	worthiness	NOUN
fsr-3928	65	23	,	,	PUNCT
fsr-3928	65	24	all	all	PRON
fsr-3928	65	25	within	within	ADP
fsr-3928	65	26	an	an	DET
fsr-3928	65	27	exogenous	exogenous	ADJ
fsr-3928	65	28	interest	interest	NOUN
fsr-3928	65	29	rate	rate	NOUN
fsr-3928	65	30	environment	environment	NOUN
fsr-3928	65	31	(	(	PUNCT
fsr-3928	65	32	bennnett	bennnett	PROPN
fsr-3928	65	33	,	,	PUNCT
fsr-3928	65	34	peach	peach	PROPN
fsr-3928	65	35	&	&	CCONJ
fsr-3928	65	36	peristiani	peristiani	PROPN
fsr-3928	65	37	,	,	PUNCT
fsr-3928	65	38	2000	2000	NUM
fsr-3928	65	39	)	)	PUNCT
fsr-3928	65	40	.	.	PUNCT
fsr-3928	66	1	dickinson	dickinson	PROPN
fsr-3928	66	2	and	and	CCONJ
fsr-3928	66	3	heuson	heuson	NOUN
fsr-3928	66	4	(	(	PUNCT
fsr-3928	66	5	1993	1993	NUM
fsr-3928	66	6	)	)	PUNCT
fsr-3928	66	7	also	also	ADV
fsr-3928	66	8	include	include	VERB
fsr-3928	66	9	personal	personal	ADJ
fsr-3928	66	10	decisions	decision	NOUN
fsr-3928	66	11	as	as	ADP
fsr-3928	66	12	reasons	reason	NOUN
fsr-3928	66	13	for	for	ADP
fsr-3928	66	14	refinancing	refinance	VERB
fsr-3928	66	15	in	in	ADP
fsr-3928	66	16	their	their	PRON
fsr-3928	66	17	model	model	NOUN
fsr-3928	66	18	of	of	ADP
fsr-3928	66	19	refinancing	refinance	VERB
fsr-3928	66	20	decisions	decision	NOUN
fsr-3928	66	21	.	.	PUNCT
fsr-3928	67	1	thus	thus	ADV
fsr-3928	67	2	,	,	PUNCT
fsr-3928	67	3	borrowers	borrower	NOUN
fsr-3928	67	4	with	with	ADP
fsr-3928	67	5	similar	similar	ADJ
fsr-3928	67	6	loans	loan	NOUN
fsr-3928	67	7	react	react	VERB
fsr-3928	67	8	differently	differently	ADV
fsr-3928	67	9	to	to	ADP
fsr-3928	67	10	the	the	DET
fsr-3928	67	11	same	same	ADJ
fsr-3928	67	12	market	market	NOUN
fsr-3928	67	13	stimulus	stimulus	NOUN
fsr-3928	67	14	.	.	PUNCT
fsr-3928	68	1	in	in	ADP
fsr-3928	68	2	a	a	DET
fsr-3928	68	3	1999	1999	NUM
fsr-3928	68	4	survey	survey	NOUN
fsr-3928	68	5	sponsored	sponsor	VERB
fsr-3928	68	6	by	by	ADP
fsr-3928	68	7	the	the	DET
fsr-3928	68	8	mortgage	mortgage	NOUN
fsr-3928	68	9	bankers	bankers	PROPN
fsr-3928	68	10	association	association	PROPN
fsr-3928	68	11	of	of	ADP
fsr-3928	68	12	america	america	PROPN
fsr-3928	68	13	(	(	PUNCT
fsr-3928	68	14	mba	mba	PROPN
fsr-3928	68	15	)	)	PUNCT
fsr-3928	68	16	,	,	PUNCT
fsr-3928	68	17	respondents	respondent	NOUN
fsr-3928	68	18	overwhelmingly	overwhelmingly	ADV
fsr-3928	68	19	cited	cite	VERB
fsr-3928	68	20	using	use	VERB
fsr-3928	68	21	the	the	DET
fsr-3928	68	22	phone	phone	NOUN
fsr-3928	68	23	as	as	ADP
fsr-3928	68	24	their	their	PRON
fsr-3928	68	25	favorite	favorite	ADJ
fsr-3928	68	26	method	method	NOUN
fsr-3928	68	27	to	to	PART
fsr-3928	68	28	obtain	obtain	VERB
fsr-3928	68	29	information	information	NOUN
fsr-3928	68	30	on	on	ADP
fsr-3928	68	31	mortgages	mortgage	NOUN
fsr-3928	68	32	;	;	PUNCT
fsr-3928	68	33	personal	personal	ADJ
fsr-3928	68	34	contact	contact	NOUN
fsr-3928	68	35	was	be	AUX
fsr-3928	68	36	the	the	DET
fsr-3928	68	37	second	second	ADV
fsr-3928	68	38	-	-	PUNCT
fsr-3928	68	39	most	most	ADV
fsr-3928	68	40	cited	cite	VERB
fsr-3928	68	41	method	method	NOUN
fsr-3928	68	42	(	(	PUNCT
fsr-3928	68	43	duncan	duncan	PROPN
fsr-3928	68	44	,	,	PUNCT
fsr-3928	68	45	1999	1999	NUM
fsr-3928	68	46	)	)	PUNCT
fsr-3928	68	47	.	.	PUNCT
fsr-3928	69	1	friends	friend	NOUN
fsr-3928	69	2	and	and	CCONJ
fsr-3928	69	3	family	family	NOUN
fsr-3928	69	4	members	member	NOUN
fsr-3928	69	5	were	be	AUX
fsr-3928	69	6	the	the	DET
fsr-3928	69	7	most	most	ADV
fsr-3928	69	8	-	-	PUNCT
fsr-3928	69	9	often	often	ADV
fsr-3928	69	10	cited	cite	VERB
fsr-3928	69	11	source	source	NOUN
fsr-3928	69	12	of	of	ADP
fsr-3928	69	13	information	information	NOUN
fsr-3928	69	14	,	,	PUNCT
fsr-3928	69	15	followed	follow	VERB
fsr-3928	69	16	by	by	ADP
fsr-3928	69	17	ads	ad	NOUN
fsr-3928	69	18	and	and	CCONJ
fsr-3928	69	19	real	real	ADJ
fsr-3928	69	20	estate	estate	NOUN
fsr-3928	69	21	professionals	professional	NOUN
fsr-3928	69	22	;	;	PUNCT
fsr-3928	69	23	for	for	ADP
fsr-3928	69	24	refinancers	refinancer	NOUN
fsr-3928	69	25	,	,	PUNCT
fsr-3928	69	26	experience	experience	NOUN
fsr-3928	69	27	was	be	AUX
fsr-3928	69	28	also	also	ADV
fsr-3928	69	29	cited	cite	VERB
fsr-3928	69	30	as	as	ADP
fsr-3928	69	31	a	a	DET
fsr-3928	69	32	source	source	NOUN
fsr-3928	69	33	of	of	ADP
fsr-3928	69	34	information	information	NOUN
fsr-3928	69	35	.	.	PUNCT
fsr-3928	70	1	the	the	DET
fsr-3928	70	2	mba	mba	PROPN
fsr-3928	70	3	study	study	NOUN
fsr-3928	70	4	also	also	ADV
fsr-3928	70	5	asked	ask	VERB
fsr-3928	70	6	consumers	consumer	NOUN
fsr-3928	70	7	what	what	DET
fsr-3928	70	8	terms	term	NOUN
fsr-3928	70	9	and	and	CCONJ
fsr-3928	70	10	conditions	condition	NOUN
fsr-3928	70	11	they	they	PRON
fsr-3928	70	12	compared	compare	VERB
fsr-3928	70	13	.	.	PUNCT
fsr-3928	71	1	four	four	NUM
fsr-3928	71	2	-	-	PUNCT
fsr-3928	71	3	fifths	fifth	NOUN
fsr-3928	71	4	shopped	shop	VERB
fsr-3928	71	5	for	for	ADP
fsr-3928	71	6	“	"	PUNCT
fsr-3928	71	7	interest	interest	NOUN
fsr-3928	71	8	rates	rate	NOUN
fsr-3928	71	9	”	"	PUNCT
fsr-3928	71	10	(	(	PUNCT
fsr-3928	71	11	duncan	duncan	PROPN
fsr-3928	71	12	notes	note	VERB
fsr-3928	71	13	especially	especially	ADV
fsr-3928	71	14	that	that	SCONJ
fsr-3928	71	15	they	they	PRON
fsr-3928	71	16	did	do	AUX
fsr-3928	71	17	not	not	PART
fsr-3928	71	18	say	say	VERB
fsr-3928	71	19	“	"	PUNCT
fsr-3928	71	20	apr	apr	PROPN
fsr-3928	71	21	”	"	PUNCT
fsr-3928	71	22	)	)	PUNCT
fsr-3928	71	23	,	,	PUNCT
fsr-3928	71	24	23	23	NUM
fsr-3928	71	25	%	%	NOUN
fsr-3928	71	26	asked	ask	VERB
fsr-3928	71	27	about	about	ADP
fsr-3928	71	28	fees	fee	NOUN
fsr-3928	71	29	,	,	PUNCT
fsr-3928	71	30	8	8	NUM
fsr-3928	71	31	%	%	NOUN
fsr-3928	71	32	asked	ask	VERB
fsr-3928	71	33	abut	abut	PROPN
fsr-3928	71	34	the	the	DET
fsr-3928	71	35	type	type	NOUN
fsr-3928	71	36	of	of	ADP
fsr-3928	71	37	loan	loan	NOUN
fsr-3928	71	38	and	and	CCONJ
fsr-3928	71	39	payment	payment	NOUN
fsr-3928	71	40	schedule	schedule	NOUN
fsr-3928	71	41	,	,	PUNCT
fsr-3928	71	42	and	and	CCONJ
fsr-3928	71	43	3	3	NUM
fsr-3928	71	44	%	%	NOUN
fsr-3928	71	45	asked	ask	VERB
fsr-3928	71	46	about	about	ADP
fsr-3928	71	47	documentation	documentation	NOUN
fsr-3928	71	48	requirements	requirement	NOUN
fsr-3928	71	49	.	.	PUNCT
fsr-3928	72	1	half	half	NOUN
fsr-3928	72	2	of	of	ADP
fsr-3928	72	3	respondents	respondent	NOUN
fsr-3928	72	4	shopped	shop	VERB
fsr-3928	72	5	three	three	NUM
fsr-3928	72	6	or	or	CCONJ
fsr-3928	72	7	more	more	ADJ
fsr-3928	72	8	lenders	lender	NOUN
fsr-3928	72	9	,	,	PUNCT
fsr-3928	72	10	while	while	SCONJ
fsr-3928	72	11	“	"	PUNCT
fsr-3928	72	12	less	less	ADJ
fsr-3928	72	13	than	than	ADP
fsr-3928	72	14	30	30	NUM
fsr-3928	72	15	%	%	NOUN
fsr-3928	72	16	shopped	shop	VERB
fsr-3928	72	17	only	only	ADV
fsr-3928	72	18	one	one	NUM
fsr-3928	72	19	lender	lender	NOUN
fsr-3928	72	20	”	"	PUNCT
fsr-3928	72	21	(	(	PUNCT
fsr-3928	72	22	duncan	duncan	PROPN
fsr-3928	72	23	,	,	PUNCT
fsr-3928	72	24	p.	p.	NOUN
fsr-3928	72	25	47	47	NUM
fsr-3928	72	26	)	)	PUNCT
fsr-3928	72	27	.	.	PUNCT
fsr-3928	73	1	while	while	SCONJ
fsr-3928	73	2	half	half	NOUN
fsr-3928	73	3	of	of	ADP
fsr-3928	73	4	the	the	DET
fsr-3928	73	5	respondents	respondent	NOUN
fsr-3928	73	6	contacted	contact	VERB
fsr-3928	73	7	mortgage	mortgage	NOUN
fsr-3928	73	8	brokers	broker	NOUN
fsr-3928	73	9	and	and	CCONJ
fsr-3928	73	10	one	one	NUM
fsr-3928	73	11	third	third	ADV
fsr-3928	73	12	contacted	contact	VERB
fsr-3928	73	13	mortgage	mortgage	NOUN
fsr-3928	73	14	lenders	lender	NOUN
fsr-3928	73	15	,	,	PUNCT
fsr-3928	73	16	duncan	duncan	PROPN
fsr-3928	73	17	indicates	indicate	VERB
fsr-3928	73	18	that	that	SCONJ
fsr-3928	73	19	there	there	PRON
fsr-3928	73	20	was	be	VERB
fsr-3928	73	21	“	"	PUNCT
fsr-3928	73	22	massive	massive	ADJ
fsr-3928	73	23	confusion	confusion	NOUN
fsr-3928	73	24	”	"	PUNCT
fsr-3928	73	25	on	on	ADP
fsr-3928	73	26	the	the	DET
fsr-3928	73	27	part	part	NOUN
fsr-3928	73	28	of	of	ADP
fsr-3928	73	29	the	the	DET
fsr-3928	73	30	respondents	respondent	NOUN
fsr-3928	73	31	as	as	ADP
fsr-3928	73	32	to	to	ADP
fsr-3928	73	33	which	which	PRON
fsr-3928	73	34	was	be	AUX
fsr-3928	73	35	which	which	PRON
fsr-3928	73	36	.	.	PUNCT
fsr-3928	74	1	3.2	3.2	NUM
fsr-3928	74	2	.	.	PUNCT
fsr-3928	75	1	consumers	consumer	NOUN
fsr-3928	75	2	’	’	PART
fsr-3928	75	3	information	information	NOUN
fsr-3928	75	4	search	search	NOUN
fsr-3928	75	5	pattern	pattern	NOUN
fsr-3928	75	6	most	most	ADJ
fsr-3928	75	7	previous	previous	ADJ
fsr-3928	75	8	researchers	researcher	NOUN
fsr-3928	75	9	defined	define	VERB
fsr-3928	75	10	information	information	NOUN
fsr-3928	75	11	search	search	NOUN
fsr-3928	75	12	either	either	CCONJ
fsr-3928	75	13	explicitly	explicitly	ADV
fsr-3928	75	14	or	or	CCONJ
fsr-3928	75	15	implicitly	implicitly	ADV
fsr-3928	75	16	as	as	ADP
fsr-3928	75	17	“	"	PUNCT
fsr-3928	75	18	the	the	DET
fsr-3928	75	19	degree	degree	NOUN
fsr-3928	75	20	of	of	ADP
fsr-3928	75	21	attention	attention	NOUN
fsr-3928	75	22	,	,	PUNCT
fsr-3928	75	23	perception	perception	NOUN
fsr-3928	75	24	,	,	PUNCT
fsr-3928	75	25	and	and	CCONJ
fsr-3928	75	26	effort	effort	NOUN
fsr-3928	75	27	directed	direct	VERB
fsr-3928	75	28	toward	toward	ADP
fsr-3928	75	29	obtaining	obtain	VERB
fsr-3928	75	30	environmental	environmental	ADJ
fsr-3928	75	31	data	datum	NOUN
fsr-3928	75	32	or	or	CCONJ
fsr-3928	75	33	information	information	NOUN
fsr-3928	75	34	related	relate	VERB
fsr-3928	75	35	to	to	ADP
fsr-3928	75	36	the	the	DET
fsr-3928	75	37	specific	specific	ADJ
fsr-3928	75	38	purchase	purchase	NOUN
fsr-3928	75	39	under	under	ADP
fsr-3928	75	40	consideration	consideration	NOUN
fsr-3928	75	41	”	"	PUNCT
fsr-3928	75	42	(	(	PUNCT
fsr-3928	75	43	beatty	beatty	PROPN
fsr-3928	75	44	&	&	CCONJ
fsr-3928	75	45	smith	smith	PROPN
fsr-3928	75	46	,	,	PUNCT
fsr-3928	75	47	1987	1987	NUM
fsr-3928	75	48	,	,	PUNCT
fsr-3928	75	49	p.	p.	NOUN
fsr-3928	75	50	85	85	NUM
fsr-3928	75	51	)	)	PUNCT
fsr-3928	75	52	.	.	PUNCT
fsr-3928	76	1	information	information	NOUN
fsr-3928	76	2	search	search	NOUN
fsr-3928	76	3	behavior	behavior	NOUN
fsr-3928	76	4	can	can	AUX
fsr-3928	76	5	be	be	AUX
fsr-3928	76	6	also	also	ADV
fsr-3928	76	7	distinguished	distinguish	VERB
fsr-3928	76	8	as	as	ADP
fsr-3928	76	9	either	either	CCONJ
fsr-3928	76	10	internal	internal	ADJ
fsr-3928	76	11	or	or	CCONJ
fsr-3928	76	12	external	external	ADJ
fsr-3928	76	13	(	(	PUNCT
fsr-3928	76	14	beales	beale	NOUN
fsr-3928	76	15	et	et	PROPN
fsr-3928	76	16	al	al	PROPN
fsr-3928	76	17	.	.	PROPN
fsr-3928	76	18	,	,	PUNCT
fsr-3928	76	19	1981	1981	NUM
fsr-3928	76	20	)	)	PUNCT
fsr-3928	76	21	.	.	PUNCT
fsr-3928	77	1	internal	internal	ADJ
fsr-3928	77	2	information	information	NOUN
fsr-3928	77	3	search	search	NOUN
fsr-3928	77	4	refers	refer	VERB
fsr-3928	77	5	to	to	ADP
fsr-3928	77	6	consumers	consumer	NOUN
fsr-3928	77	7	’	'	PUNCT
fsr-3928	77	8	retrieval	retrieval	NOUN
fsr-3928	77	9	of	of	ADP
fsr-3928	77	10	memory	memory	NOUN
fsr-3928	77	11	–	–	PUNCT
fsr-3928	77	12	knowledge	knowledge	NOUN
fsr-3928	77	13	from	from	ADP
fsr-3928	77	14	previous	previous	ADJ
fsr-3928	77	15	search	search	NOUN
fsr-3928	77	16	,	,	PUNCT
fsr-3928	77	17	experience	experience	NOUN
fsr-3928	77	18	with	with	ADP
fsr-3928	77	19	products	product	NOUN
fsr-3928	77	20	,	,	PUNCT
fsr-3928	77	21	or	or	CCONJ
fsr-3928	77	22	passively	passively	ADV
fsr-3928	77	23	acquired	acquire	VERB
fsr-3928	77	24	information	information	NOUN
fsr-3928	77	25	during	during	ADP
fsr-3928	77	26	normal	normal	ADJ
fsr-3928	77	27	daily	daily	ADJ
fsr-3928	77	28	activities	activity	NOUN
fsr-3928	77	29	.	.	PUNCT
fsr-3928	78	1	external	external	ADJ
fsr-3928	78	2	information	information	NOUN
fsr-3928	78	3	search	search	NOUN
fsr-3928	78	4	behavior	behavior	NOUN
fsr-3928	78	5	includes	include	VERB
fsr-3928	78	6	consulting	consult	VERB
fsr-3928	78	7	with	with	ADP
fsr-3928	78	8	friends	friend	NOUN
fsr-3928	78	9	,	,	PUNCT
fsr-3928	78	10	family	family	NOUN
fsr-3928	78	11	,	,	PUNCT
fsr-3928	78	12	expert	expert	ADJ
fsr-3928	78	13	consumers	consumer	NOUN
fsr-3928	78	14	,	,	PUNCT
fsr-3928	78	15	sellers	seller	NOUN
fsr-3928	78	16	,	,	PUNCT
fsr-3928	78	17	and	and	CCONJ
fsr-3928	78	18	third	third	ADJ
fsr-3928	78	19	-	-	PUNCT
fsr-3928	78	20	party	party	NOUN
fsr-3928	78	21	experts	expert	NOUN
fsr-3928	78	22	,	,	PUNCT
fsr-3928	78	23	reading	read	VERB
fsr-3928	78	24	books	book	NOUN
fsr-3928	78	25	,	,	PUNCT
fsr-3928	78	26	magazine	magazine	NOUN
fsr-3928	78	27	articles	article	NOUN
fsr-3928	78	28	,	,	PUNCT
fsr-3928	78	29	consumer	consumer	NOUN
fsr-3928	78	30	ratings	rating	NOUN
fsr-3928	78	31	,	,	PUNCT
fsr-3928	78	32	advertising	advertising	NOUN
fsr-3928	78	33	,	,	PUNCT
fsr-3928	78	34	and	and	CCONJ
fsr-3928	78	35	direct	direct	ADJ
fsr-3928	78	36	inspection	inspection	NOUN
fsr-3928	78	37	.	.	PUNCT
fsr-3928	79	1	consumers	consumer	NOUN
fsr-3928	79	2	gather	gather	VERB
fsr-3928	79	3	information	information	NOUN
fsr-3928	79	4	from	from	ADP
fsr-3928	79	5	a	a	DET
fsr-3928	79	6	variety	variety	NOUN
fsr-3928	79	7	of	of	ADP
fsr-3928	79	8	different	different	ADJ
fsr-3928	79	9	sources	source	NOUN
fsr-3928	79	10	.	.	PUNCT
fsr-3928	80	1	although	although	SCONJ
fsr-3928	80	2	a	a	DET
fsr-3928	80	3	variety	variety	NOUN
fsr-3928	80	4	of	of	ADP
fsr-3928	80	5	different	different	ADJ
fsr-3928	80	6	taxonomies	taxonomy	NOUN
fsr-3928	80	7	of	of	ADP
fsr-3928	80	8	external	external	ADJ
fsr-3928	80	9	information	information	NOUN
fsr-3928	80	10	sources	source	NOUN
fsr-3928	80	11	has	have	AUX
fsr-3928	80	12	been	be	AUX
fsr-3928	80	13	introduced	introduce	VERB
fsr-3928	80	14	,	,	PUNCT
fsr-3928	80	15	the	the	DET
fsr-3928	80	16	sources	source	NOUN
fsr-3928	80	17	of	of	ADP
fsr-3928	80	18	information	information	NOUN
fsr-3928	80	19	can	can	AUX
fsr-3928	80	20	be	be	AUX
fsr-3928	80	21	classified	classify	VERB
fsr-3928	80	22	into	into	ADP
fsr-3928	80	23	direct	direct	ADJ
fsr-3928	80	24	inspection	inspection	NOUN
fsr-3928	80	25	,	,	PUNCT
fsr-3928	80	26	seller	seller	NOUN
fsr-3928	80	27	-	-	PUNCT
fsr-3928	80	28	provided	provide	VERB
fsr-3928	80	29	,	,	PUNCT
fsr-3928	80	30	personal	personal	ADJ
fsr-3928	80	31	(	(	PUNCT
fsr-3928	80	32	family	family	NOUN
fsr-3928	80	33	and	and	CCONJ
fsr-3928	80	34	friends	friend	NOUN
fsr-3928	80	35	)	)	PUNCT
fsr-3928	80	36	,	,	PUNCT
fsr-3928	80	37	and	and	CCONJ
fsr-3928	80	38	third	third	ADJ
fsr-3928	80	39	party	party	NOUN
fsr-3928	80	40	.	.	PUNCT
fsr-3928	81	1	seller	seller	NOUN
fsr-3928	81	2	-	-	PUNCT
fsr-3928	81	3	provided	provide	VERB
fsr-3928	81	4	information	information	NOUN
fsr-3928	81	5	has	have	AUX
fsr-3928	81	6	been	be	AUX
fsr-3928	81	7	further	far	ADV
fsr-3928	81	8	categorized	categorize	VERB
fsr-3928	81	9	into	into	ADP
fsr-3928	81	10	direct	direct	ADJ
fsr-3928	81	11	-	-	PUNCT
fsr-3928	81	12	from	from	ADP
fsr-3928	81	13	-	-	PUNCT
fsr-3928	81	14	seller	seller	NOUN
fsr-3928	81	15	and	and	CCONJ
fsr-3928	81	16	advertisements	advertisement	NOUN
fsr-3928	81	17	.	.	PUNCT
fsr-3928	82	1	the	the	DET
fsr-3928	82	2	major	major	ADJ
fsr-3928	82	3	sources	source	NOUN
fsr-3928	82	4	of	of	ADP
fsr-3928	82	5	information	information	NOUN
fsr-3928	82	6	when	when	SCONJ
fsr-3928	82	7	shopping	shop	VERB
fsr-3928	82	8	for	for	ADP
fsr-3928	82	9	a	a	DET
fsr-3928	82	10	home	home	NOUN
fsr-3928	82	11	mortgage	mortgage	NOUN
fsr-3928	82	12	loan	loan	NOUN
fsr-3928	82	13	include	include	VERB
fsr-3928	82	14	financial	financial	ADJ
fsr-3928	82	15	institutions	institution	NOUN
fsr-3928	82	16	such	such	ADJ
fsr-3928	82	17	as	as	ADP
fsr-3928	82	18	banks	bank	NOUN
fsr-3928	82	19	,	,	PUNCT
fsr-3928	82	20	savings	saving	NOUN
fsr-3928	82	21	and	and	CCONJ
fsr-3928	82	22	loans	loan	NOUN
fsr-3928	82	23	,	,	PUNCT
fsr-3928	82	24	credit	credit	NOUN
fsr-3928	82	25	280	280	NUM
fsr-3928	82	26	j.m	j.m	PROPN
fsr-3928	82	27	.	.	PROPN
fsr-3928	82	28	hogarth	hogarth	PROPN
fsr-3928	82	29	,	,	PUNCT
fsr-3928	82	30	j.	j.	PROPN
fsr-3928	82	31	lee	lee	PROPN
fsr-3928	82	32	/	/	SYM
fsr-3928	82	33	financial	financial	PROPN
fsr-3928	82	34	services	service	NOUN
fsr-3928	82	35	review	review	VERB
fsr-3928	82	36	9	9	NUM
fsr-3928	82	37	(	(	PUNCT
fsr-3928	82	38	2000	2000	NUM
fsr-3928	82	39	)	)	PUNCT
fsr-3928	82	40	277–293	277–293	NUM
fsr-3928	82	41	unions	union	NOUN
fsr-3928	82	42	,	,	PUNCT
fsr-3928	82	43	mortgage	mortgage	NOUN
fsr-3928	82	44	companies	company	NOUN
fsr-3928	82	45	,	,	PUNCT
fsr-3928	82	46	and	and	CCONJ
fsr-3928	82	47	other	other	ADJ
fsr-3928	82	48	financial	financial	ADJ
fsr-3928	82	49	institutions	institution	NOUN
fsr-3928	82	50	,	,	PUNCT
fsr-3928	82	51	advertisements	advertisement	NOUN
fsr-3928	82	52	,	,	PUNCT
fsr-3928	82	53	third	third	ADJ
fsr-3928	82	54	-	-	PUNCT
fsr-3928	82	55	party	party	NOUN
fsr-3928	82	56	generated	generate	VERB
fsr-3928	82	57	information	information	NOUN
fsr-3928	82	58	such	such	ADJ
fsr-3928	82	59	as	as	ADP
fsr-3928	82	60	ratings	rating	NOUN
fsr-3928	82	61	,	,	PUNCT
fsr-3928	82	62	information	information	NOUN
fsr-3928	82	63	from	from	ADP
fsr-3928	82	64	real	real	ADJ
fsr-3928	82	65	estate	estate	NOUN
fsr-3928	82	66	professionals	professional	NOUN
fsr-3928	82	67	(	(	PUNCT
fsr-3928	82	68	especially	especially	ADV
fsr-3928	82	69	in	in	ADP
fsr-3928	82	70	the	the	DET
fsr-3928	82	71	case	case	NOUN
fsr-3928	82	72	of	of	ADP
fsr-3928	82	73	first	first	ADJ
fsr-3928	82	74	-	-	PUNCT
fsr-3928	82	75	time	time	NOUN
fsr-3928	82	76	home	home	NOUN
fsr-3928	82	77	buyers	buyer	NOUN
fsr-3928	82	78	)	)	PUNCT
fsr-3928	82	79	,	,	PUNCT
fsr-3928	82	80	and	and	CCONJ
fsr-3928	82	81	family	family	NOUN
fsr-3928	82	82	and	and	CCONJ
fsr-3928	82	83	friends	friend	NOUN
fsr-3928	82	84	.	.	PUNCT
fsr-3928	83	1	information	information	NOUN
fsr-3928	83	2	search	search	NOUN
fsr-3928	83	3	is	be	AUX
fsr-3928	83	4	difficult	difficult	ADJ
fsr-3928	83	5	to	to	PART
fsr-3928	83	6	quantify	quantify	VERB
fsr-3928	83	7	.	.	PUNCT
fsr-3928	84	1	over	over	ADP
fsr-3928	84	2	the	the	DET
fsr-3928	84	3	last	last	ADJ
fsr-3928	84	4	three	three	NUM
fsr-3928	84	5	decades	decade	NOUN
fsr-3928	84	6	hundreds	hundred	NOUN
fsr-3928	84	7	of	of	ADP
fsr-3928	84	8	articles	article	NOUN
fsr-3928	84	9	have	have	AUX
fsr-3928	84	10	been	be	AUX
fsr-3928	84	11	published	publish	VERB
fsr-3928	84	12	,	,	PUNCT
fsr-3928	84	13	and	and	CCONJ
fsr-3928	84	14	numerous	numerous	ADJ
fsr-3928	84	15	measures	measure	NOUN
fsr-3928	84	16	of	of	ADP
fsr-3928	84	17	search	search	NOUN
fsr-3928	84	18	have	have	AUX
fsr-3928	84	19	been	be	AUX
fsr-3928	84	20	used	use	VERB
fsr-3928	84	21	,	,	PUNCT
fsr-3928	84	22	including	include	VERB
fsr-3928	84	23	both	both	DET
fsr-3928	84	24	single	single	ADJ
fsr-3928	84	25	aspects	aspect	NOUN
fsr-3928	84	26	of	of	ADP
fsr-3928	84	27	search	search	NOUN
fsr-3928	84	28	behavior	behavior	NOUN
fsr-3928	84	29	and	and	CCONJ
fsr-3928	84	30	aggregate	aggregate	ADJ
fsr-3928	84	31	measures	measure	NOUN
fsr-3928	84	32	of	of	ADP
fsr-3928	84	33	search	search	NOUN
fsr-3928	84	34	(	(	PUNCT
fsr-3928	84	35	see	see	VERB
fsr-3928	84	36	lee	lee	PROPN
fsr-3928	84	37	&	&	CCONJ
fsr-3928	84	38	hogarth	hogarth	PROPN
fsr-3928	84	39	,	,	PUNCT
fsr-3928	84	40	2000	2000	NUM
fsr-3928	84	41	for	for	ADP
fsr-3928	84	42	a	a	DET
fsr-3928	84	43	review	review	NOUN
fsr-3928	84	44	of	of	ADP
fsr-3928	84	45	measures	measure	NOUN
fsr-3928	84	46	of	of	ADP
fsr-3928	84	47	search	search	NOUN
fsr-3928	84	48	)	)	PUNCT
fsr-3928	84	49	.	.	PUNCT
fsr-3928	85	1	while	while	SCONJ
fsr-3928	85	2	some	some	DET
fsr-3928	85	3	researchers	researcher	NOUN
fsr-3928	85	4	used	use	VERB
fsr-3928	85	5	multiple	multiple	ADJ
fsr-3928	85	6	measures	measure	NOUN
fsr-3928	85	7	in	in	ADP
fsr-3928	85	8	their	their	PRON
fsr-3928	85	9	study	study	NOUN
fsr-3928	85	10	,	,	PUNCT
fsr-3928	85	11	most	most	ADJ
fsr-3928	85	12	researchers	researcher	NOUN
fsr-3928	85	13	employed	employ	VERB
fsr-3928	85	14	only	only	ADV
fsr-3928	85	15	one	one	NUM
fsr-3928	85	16	or	or	CCONJ
fsr-3928	85	17	two	two	NUM
fsr-3928	85	18	measures	measure	NOUN
fsr-3928	85	19	,	,	PUNCT
fsr-3928	85	20	failing	fail	VERB
fsr-3928	85	21	to	to	PART
fsr-3928	85	22	capture	capture	VERB
fsr-3928	85	23	all	all	DET
fsr-3928	85	24	the	the	DET
fsr-3928	85	25	aspects	aspect	NOUN
fsr-3928	85	26	of	of	ADP
fsr-3928	85	27	information	information	NOUN
fsr-3928	85	28	search	search	NOUN
fsr-3928	85	29	.	.	PUNCT
fsr-3928	86	1	given	give	VERB
fsr-3928	86	2	that	that	DET
fsr-3928	86	3	interdependencies	interdependency	NOUN
fsr-3928	86	4	among	among	ADP
fsr-3928	86	5	different	different	ADJ
fsr-3928	86	6	search	search	NOUN
fsr-3928	86	7	activities	activity	NOUN
fsr-3928	86	8	are	be	AUX
fsr-3928	86	9	not	not	PART
fsr-3928	86	10	known	know	VERB
fsr-3928	86	11	,	,	PUNCT
fsr-3928	86	12	some	some	DET
fsr-3928	86	13	aspects	aspect	NOUN
fsr-3928	86	14	of	of	ADP
fsr-3928	86	15	search	search	NOUN
fsr-3928	86	16	may	may	AUX
fsr-3928	86	17	have	have	AUX
fsr-3928	86	18	been	be	AUX
fsr-3928	86	19	ignored	ignore	VERB
fsr-3928	86	20	.	.	PUNCT
fsr-3928	87	1	consequently	consequently	ADV
fsr-3928	87	2	,	,	PUNCT
fsr-3928	87	3	conflicting	conflicting	ADJ
fsr-3928	87	4	results	result	NOUN
fsr-3928	87	5	are	be	AUX
fsr-3928	87	6	obtained	obtain	VERB
fsr-3928	87	7	,	,	PUNCT
fsr-3928	87	8	and	and	CCONJ
fsr-3928	87	9	we	we	PRON
fsr-3928	87	10	do	do	AUX
fsr-3928	87	11	not	not	PART
fsr-3928	87	12	know	know	VERB
fsr-3928	87	13	if	if	SCONJ
fsr-3928	87	14	the	the	DET
fsr-3928	87	15	discrepancies	discrepancy	NOUN
fsr-3928	87	16	are	be	AUX
fsr-3928	87	17	due	due	ADJ
fsr-3928	87	18	to	to	ADP
fsr-3928	87	19	different	different	ADJ
fsr-3928	87	20	measures	measure	NOUN
fsr-3928	87	21	or	or	CCONJ
fsr-3928	87	22	to	to	ADP
fsr-3928	87	23	different	different	ADJ
fsr-3928	87	24	behaviors	behavior	NOUN
fsr-3928	87	25	.	.	PUNCT
fsr-3928	88	1	information	information	NOUN
fsr-3928	88	2	search	search	NOUN
fsr-3928	88	3	activities	activity	NOUN
fsr-3928	88	4	might	might	AUX
fsr-3928	88	5	be	be	AUX
fsr-3928	88	6	interdependent	interdependent	ADJ
fsr-3928	88	7	(	(	PUNCT
fsr-3928	88	8	e.g.	e.g.	ADV
fsr-3928	88	9	,	,	PUNCT
fsr-3928	88	10	using	use	VERB
fsr-3928	88	11	information	information	NOUN
fsr-3928	88	12	from	from	ADP
fsr-3928	88	13	thirdparty	thirdparty	NOUN
fsr-3928	88	14	sources	source	NOUN
fsr-3928	88	15	may	may	AUX
fsr-3928	88	16	discourage	discourage	VERB
fsr-3928	88	17	consumers	consumer	NOUN
fsr-3928	88	18	from	from	ADP
fsr-3928	88	19	obtaining	obtain	VERB
fsr-3928	88	20	information	information	NOUN
fsr-3928	88	21	from	from	ADP
fsr-3928	88	22	advertisements	advertisement	NOUN
fsr-3928	88	23	)	)	PUNCT
fsr-3928	88	24	.	.	PUNCT
fsr-3928	89	1	in	in	ADP
fsr-3928	89	2	fact	fact	NOUN
fsr-3928	89	3	,	,	PUNCT
fsr-3928	89	4	several	several	ADJ
fsr-3928	89	5	researchers	researcher	NOUN
fsr-3928	89	6	have	have	AUX
fsr-3928	89	7	already	already	ADV
fsr-3928	89	8	suggested	suggest	VERB
fsr-3928	89	9	that	that	SCONJ
fsr-3928	89	10	there	there	PRON
fsr-3928	89	11	is	be	VERB
fsr-3928	89	12	a	a	DET
fsr-3928	89	13	need	need	NOUN
fsr-3928	89	14	to	to	PART
fsr-3928	89	15	consider	consider	VERB
fsr-3928	89	16	the	the	DET
fsr-3928	89	17	interrelationships	interrelationship	NOUN
fsr-3928	89	18	among	among	ADP
fsr-3928	89	19	various	various	ADJ
fsr-3928	89	20	information	information	NOUN
fsr-3928	89	21	sources	source	NOUN
fsr-3928	89	22	in	in	ADP
fsr-3928	89	23	designing	design	VERB
fsr-3928	89	24	information	information	NOUN
fsr-3928	89	25	programs	program	NOUN
fsr-3928	89	26	.	.	PUNCT
fsr-3928	90	1	for	for	ADP
fsr-3928	90	2	example	example	NOUN
fsr-3928	90	3	,	,	PUNCT
fsr-3928	90	4	smith	smith	PROPN
fsr-3928	90	5	(	(	PUNCT
fsr-3928	90	6	1993	1993	NUM
fsr-3928	90	7	)	)	PUNCT
fsr-3928	90	8	suggested	suggest	VERB
fsr-3928	90	9	that	that	SCONJ
fsr-3928	90	10	advertising	advertising	NOUN
fsr-3928	90	11	influenced	influence	VERB
fsr-3928	90	12	how	how	SCONJ
fsr-3928	90	13	consumers	consumer	NOUN
fsr-3928	90	14	interpret	interpret	VERB
fsr-3928	90	15	other	other	ADJ
fsr-3928	90	16	product	product	NOUN
fsr-3928	90	17	-	-	PUNCT
fsr-3928	90	18	related	relate	VERB
fsr-3928	90	19	information	information	NOUN
fsr-3928	90	20	.	.	PUNCT
fsr-3928	91	1	furthermore	furthermore	ADV
fsr-3928	91	2	,	,	PUNCT
fsr-3928	91	3	consumers	consumer	NOUN
fsr-3928	91	4	’	'	PUNCT
fsr-3928	91	5	confidence	confidence	NOUN
fsr-3928	91	6	in	in	ADP
fsr-3928	91	7	their	their	PRON
fsr-3928	91	8	existing	exist	VERB
fsr-3928	91	9	information	information	NOUN
fsr-3928	91	10	or	or	CCONJ
fsr-3928	91	11	knowledge	knowledge	NOUN
fsr-3928	91	12	may	may	AUX
fsr-3928	91	13	influence	influence	VERB
fsr-3928	91	14	how	how	SCONJ
fsr-3928	91	15	much	much	ADV
fsr-3928	91	16	they	they	PRON
fsr-3928	91	17	search	search	VERB
fsr-3928	91	18	for	for	ADP
fsr-3928	91	19	additional	additional	ADJ
fsr-3928	91	20	information	information	NOUN
fsr-3928	91	21	and	and	CCONJ
fsr-3928	91	22	the	the	DET
fsr-3928	91	23	information	information	NOUN
fsr-3928	91	24	sources	source	NOUN
fsr-3928	91	25	they	they	PRON
fsr-3928	91	26	seek	seek	VERB
fsr-3928	91	27	out	out	ADP
fsr-3928	91	28	.	.	PUNCT
fsr-3928	92	1	however	however	ADV
fsr-3928	92	2	,	,	PUNCT
fsr-3928	92	3	overconfidence	overconfidence	NOUN
fsr-3928	92	4	in	in	ADP
fsr-3928	92	5	their	their	PRON
fsr-3928	92	6	knowledge	knowledge	NOUN
fsr-3928	92	7	,	,	PUNCT
fsr-3928	92	8	and	and	CCONJ
fsr-3928	92	9	the	the	DET
fsr-3928	92	10	calibration	calibration	NOUN
fsr-3928	92	11	of	of	ADP
fsr-3928	92	12	that	that	DET
fsr-3928	92	13	knowledge	knowledge	NOUN
fsr-3928	92	14	,	,	PUNCT
fsr-3928	92	15	may	may	AUX
fsr-3928	92	16	lead	lead	VERB
fsr-3928	92	17	some	some	DET
fsr-3928	92	18	consumers	consumer	NOUN
fsr-3928	92	19	to	to	PART
fsr-3928	92	20	do	do	VERB
fsr-3928	92	21	less	less	ADJ
fsr-3928	92	22	-	-	PUNCT
fsr-3928	92	23	than	than	ADP
fsr-3928	92	24	-	-	PUNCT
fsr-3928	92	25	optimal	optimal	ADJ
fsr-3928	92	26	searching	searching	NOUN
fsr-3928	92	27	(	(	PUNCT
fsr-3928	92	28	alba	alba	PROPN
fsr-3928	92	29	&	&	CCONJ
fsr-3928	92	30	hutchinson	hutchinson	PROPN
fsr-3928	92	31	,	,	PUNCT
fsr-3928	92	32	2000	2000	NUM
fsr-3928	92	33	)	)	PUNCT
fsr-3928	92	34	.	.	PUNCT
fsr-3928	93	1	more	more	ADV
fsr-3928	93	2	broadly	broadly	ADV
fsr-3928	93	3	,	,	PUNCT
fsr-3928	93	4	previously	previously	ADV
fsr-3928	93	5	acquired	acquire	VERB
fsr-3928	93	6	information	information	NOUN
fsr-3928	93	7	in	in	ADP
fsr-3928	93	8	external	external	ADJ
fsr-3928	93	9	search	search	NOUN
fsr-3928	93	10	may	may	AUX
fsr-3928	93	11	influence	influence	VERB
fsr-3928	93	12	additional	additional	ADJ
fsr-3928	93	13	search	search	NOUN
fsr-3928	93	14	activities	activity	NOUN
fsr-3928	93	15	as	as	ADV
fsr-3928	93	16	well	well	ADV
fsr-3928	93	17	as	as	ADP
fsr-3928	93	18	how	how	SCONJ
fsr-3928	93	19	consumers	consumer	NOUN
fsr-3928	93	20	interpret	interpret	VERB
fsr-3928	93	21	the	the	DET
fsr-3928	93	22	information	information	NOUN
fsr-3928	93	23	from	from	ADP
fsr-3928	93	24	that	that	DET
fsr-3928	93	25	search	search	NOUN
fsr-3928	93	26	.	.	PUNCT
fsr-3928	94	1	addressing	address	VERB
fsr-3928	94	2	this	this	DET
fsr-3928	94	3	issue	issue	NOUN
fsr-3928	94	4	,	,	PUNCT
fsr-3928	94	5	we	we	PRON
fsr-3928	94	6	examine	examine	VERB
fsr-3928	94	7	potential	potential	ADJ
fsr-3928	94	8	interdependencies	interdependency	NOUN
fsr-3928	94	9	among	among	ADP
fsr-3928	94	10	information	information	NOUN
fsr-3928	94	11	search	search	NOUN
fsr-3928	94	12	activities	activity	NOUN
fsr-3928	94	13	using	use	VERB
fsr-3928	94	14	single	single	ADJ
fsr-3928	94	15	and	and	CCONJ
fsr-3928	94	16	composite	composite	ADJ
fsr-3928	94	17	measures	measure	NOUN
fsr-3928	94	18	of	of	ADP
fsr-3928	94	19	information	information	NOUN
fsr-3928	94	20	search	search	NOUN
fsr-3928	94	21	.	.	PUNCT
fsr-3928	95	1	specifically	specifically	ADV
fsr-3928	95	2	,	,	PUNCT
fsr-3928	95	3	we	we	PRON
fsr-3928	95	4	investigate	investigate	VERB
fsr-3928	95	5	the	the	DET
fsr-3928	95	6	following	follow	VERB
fsr-3928	95	7	research	research	NOUN
fsr-3928	95	8	questions	question	NOUN
fsr-3928	95	9	:	:	PUNCT
fsr-3928	95	10	how	how	SCONJ
fsr-3928	95	11	do	do	AUX
fsr-3928	95	12	consumers	consumer	NOUN
fsr-3928	95	13	search	search	VERB
fsr-3928	95	14	for	for	ADP
fsr-3928	95	15	information	information	NOUN
fsr-3928	95	16	when	when	SCONJ
fsr-3928	95	17	choosing	choose	VERB
fsr-3928	95	18	a	a	DET
fsr-3928	95	19	home	home	NOUN
fsr-3928	95	20	mortgage	mortgage	NOUN
fsr-3928	95	21	?	?	PUNCT
fsr-3928	96	1	who	who	PRON
fsr-3928	96	2	do	do	AUX
fsr-3928	96	3	they	they	PRON
fsr-3928	96	4	get	get	VERB
fsr-3928	96	5	information	information	NOUN
fsr-3928	96	6	from	from	ADP
fsr-3928	96	7	?	?	PUNCT
fsr-3928	97	1	what	what	DET
fsr-3928	97	2	terms	term	NOUN
fsr-3928	97	3	and	and	CCONJ
fsr-3928	97	4	features	feature	NOUN
fsr-3928	97	5	do	do	AUX
fsr-3928	97	6	they	they	PRON
fsr-3928	97	7	search	search	VERB
fsr-3928	97	8	for	for	ADP
fsr-3928	97	9	?	?	PUNCT
fsr-3928	98	1	how	how	SCONJ
fsr-3928	98	2	much	much	ADJ
fsr-3928	98	3	information	information	NOUN
fsr-3928	98	4	do	do	AUX
fsr-3928	98	5	they	they	PRON
fsr-3928	98	6	seek	seek	VERB
fsr-3928	98	7	out	out	ADP
fsr-3928	98	8	?	?	PUNCT
fsr-3928	99	1	are	be	AUX
fsr-3928	99	2	there	there	PRON
fsr-3928	99	3	any	any	DET
fsr-3928	99	4	interdependencies	interdependency	NOUN
fsr-3928	99	5	among	among	ADP
fsr-3928	99	6	these	these	DET
fsr-3928	99	7	information	information	NOUN
fsr-3928	99	8	search	search	NOUN
fsr-3928	99	9	behaviors	behavior	NOUN
fsr-3928	99	10	?	?	PUNCT
fsr-3928	100	1	when	when	SCONJ
fsr-3928	100	2	using	use	VERB
fsr-3928	100	3	a	a	DET
fsr-3928	100	4	particular	particular	ADJ
fsr-3928	100	5	information	information	NOUN
fsr-3928	100	6	source	source	NOUN
fsr-3928	100	7	,	,	PUNCT
fsr-3928	100	8	what	what	PRON
fsr-3928	100	9	other	other	ADJ
fsr-3928	100	10	sources	source	NOUN
fsr-3928	100	11	do	do	AUX
fsr-3928	100	12	consumers	consumer	NOUN
fsr-3928	100	13	use	use	VERB
fsr-3928	100	14	?	?	PUNCT
fsr-3928	101	1	when	when	SCONJ
fsr-3928	101	2	searching	search	VERB
fsr-3928	101	3	for	for	ADP
fsr-3928	101	4	a	a	DET
fsr-3928	101	5	specific	specific	ADJ
fsr-3928	101	6	term	term	NOUN
fsr-3928	101	7	,	,	PUNCT
fsr-3928	101	8	what	what	PRON
fsr-3928	101	9	else	else	ADV
fsr-3928	101	10	do	do	AUX
fsr-3928	101	11	they	they	PRON
fsr-3928	101	12	search	search	VERB
fsr-3928	101	13	for	for	ADP
fsr-3928	101	14	?	?	PUNCT
fsr-3928	102	1	4	4	X
fsr-3928	102	2	.	.	PUNCT
fsr-3928	102	3	methods	method	NOUN
fsr-3928	102	4	4.1	4.1	NUM
fsr-3928	102	5	.	.	PUNCT
fsr-3928	103	1	data	data	VERB
fsr-3928	103	2	the	the	DET
fsr-3928	103	3	surveys	survey	NOUN
fsr-3928	103	4	of	of	ADP
fsr-3928	103	5	consumers	consumer	NOUN
fsr-3928	103	6	were	be	AUX
fsr-3928	103	7	initiated	initiate	VERB
fsr-3928	103	8	in	in	ADP
fsr-3928	103	9	the	the	DET
fsr-3928	103	10	late	late	ADJ
fsr-3928	103	11	1940s	1940	NOUN
fsr-3928	103	12	by	by	ADP
fsr-3928	103	13	the	the	DET
fsr-3928	103	14	survey	survey	NOUN
fsr-3928	103	15	research	research	NOUN
fsr-3928	103	16	center	center	NOUN
fsr-3928	103	17	at	at	ADP
fsr-3928	103	18	the	the	DET
fsr-3928	103	19	university	university	PROPN
fsr-3928	103	20	of	of	ADP
fsr-3928	103	21	michigan	michigan	PROPN
fsr-3928	103	22	.	.	PUNCT
fsr-3928	104	1	the	the	DET
fsr-3928	104	2	purpose	purpose	NOUN
fsr-3928	104	3	of	of	ADP
fsr-3928	104	4	these	these	DET
fsr-3928	104	5	surveys	survey	NOUN
fsr-3928	104	6	is	be	AUX
fsr-3928	104	7	to	to	PART
fsr-3928	104	8	measure	measure	VERB
fsr-3928	104	9	changes	change	NOUN
fsr-3928	104	10	in	in	ADP
fsr-3928	104	11	consumer	consumer	NOUN
fsr-3928	104	12	attitudes	attitude	NOUN
fsr-3928	104	13	and	and	CCONJ
fsr-3928	104	14	expectations	expectation	NOUN
fsr-3928	104	15	with	with	ADP
fsr-3928	104	16	regard	regard	NOUN
fsr-3928	104	17	to	to	ADP
fsr-3928	104	18	consumer	consumer	NOUN
fsr-3928	104	19	finance	finance	NOUN
fsr-3928	104	20	decisions	decision	NOUN
fsr-3928	104	21	.	.	PUNCT
fsr-3928	105	1	each	each	DET
fsr-3928	105	2	monthly	monthly	ADJ
fsr-3928	105	3	telephone	telephone	NOUN
fsr-3928	105	4	survey	survey	NOUN
fsr-3928	105	5	of	of	ADP
fsr-3928	105	6	500	500	NUM
fsr-3928	105	7	households	household	NOUN
fsr-3928	105	8	includes	include	VERB
fsr-3928	105	9	a	a	DET
fsr-3928	105	10	set	set	NOUN
fsr-3928	105	11	of	of	ADP
fsr-3928	105	12	core	core	NOUN
fsr-3928	105	13	questions	question	NOUN
fsr-3928	105	14	covering	cover	VERB
fsr-3928	105	15	281j.m	281j.m	NOUN
fsr-3928	105	16	.	.	PUNCT
fsr-3928	106	1	hogarth	hogarth	NOUN
fsr-3928	106	2	,	,	PUNCT
fsr-3928	106	3	j.	j.	PROPN
fsr-3928	106	4	lee	lee	PROPN
fsr-3928	106	5	/	/	SYM
fsr-3928	106	6	financial	financial	PROPN
fsr-3928	106	7	services	service	NOUN
fsr-3928	106	8	review	review	VERB
fsr-3928	106	9	9	9	NUM
fsr-3928	106	10	(	(	PUNCT
fsr-3928	106	11	2000	2000	NUM
fsr-3928	106	12	)	)	PUNCT
fsr-3928	107	1	277–293	277–293	NUM
fsr-3928	107	2	consumer	consumer	NOUN
fsr-3928	107	3	attitudes	attitude	NOUN
fsr-3928	107	4	and	and	CCONJ
fsr-3928	107	5	expectations	expectation	NOUN
fsr-3928	107	6	along	along	ADP
fsr-3928	107	7	with	with	ADP
fsr-3928	107	8	socioeconomic	socioeconomic	ADJ
fsr-3928	107	9	and	and	CCONJ
fsr-3928	107	10	demographic	demographic	ADJ
fsr-3928	107	11	characteristics	characteristic	NOUN
fsr-3928	107	12	(	(	PUNCT
fsr-3928	107	13	see	see	VERB
fsr-3928	107	14	curtin	curtin	PROPN
fsr-3928	107	15	,	,	PUNCT
fsr-3928	107	16	2001	2001	NUM
fsr-3928	107	17	for	for	ADP
fsr-3928	107	18	more	more	ADJ
fsr-3928	107	19	information	information	NOUN
fsr-3928	107	20	)	)	PUNCT
fsr-3928	107	21	.	.	PUNCT
fsr-3928	108	1	in	in	ADP
fsr-3928	108	2	february	february	PROPN
fsr-3928	108	3	and	and	CCONJ
fsr-3928	108	4	march	march	PROPN
fsr-3928	108	5	1997	1997	NUM
fsr-3928	108	6	,	,	PUNCT
fsr-3928	108	7	the	the	DET
fsr-3928	108	8	federal	federal	PROPN
fsr-3928	108	9	reserve	reserve	PROPN
fsr-3928	108	10	board	board	PROPN
fsr-3928	108	11	commissioned	commission	VERB
fsr-3928	108	12	additional	additional	ADJ
fsr-3928	108	13	questions	question	NOUN
fsr-3928	108	14	on	on	ADP
fsr-3928	108	15	the	the	DET
fsr-3928	108	16	surveys	survey	NOUN
fsr-3928	108	17	of	of	ADP
fsr-3928	108	18	consumers	consumer	NOUN
fsr-3928	108	19	,	,	PUNCT
fsr-3928	108	20	including	include	VERB
fsr-3928	108	21	specific	specific	ADJ
fsr-3928	108	22	questions	question	NOUN
fsr-3928	108	23	on	on	ADP
fsr-3928	108	24	consumers	consumer	NOUN
fsr-3928	108	25	’	’	PART
fsr-3928	108	26	information	information	NOUN
fsr-3928	108	27	search	search	NOUN
fsr-3928	108	28	behavior	behavior	NOUN
fsr-3928	108	29	when	when	SCONJ
fsr-3928	108	30	shopping	shop	VERB
fsr-3928	108	31	for	for	ADP
fsr-3928	108	32	a	a	DET
fsr-3928	108	33	home	home	NOUN
fsr-3928	108	34	mortgage	mortgage	NOUN
fsr-3928	108	35	.	.	PUNCT
fsr-3928	109	1	in	in	ADP
fsr-3928	109	2	particular	particular	ADJ
fsr-3928	109	3	,	,	PUNCT
fsr-3928	109	4	we	we	PRON
fsr-3928	109	5	asked	ask	VERB
fsr-3928	109	6	the	the	DET
fsr-3928	109	7	number	number	NOUN
fsr-3928	109	8	and	and	CCONJ
fsr-3928	109	9	type	type	NOUN
fsr-3928	109	10	of	of	ADP
fsr-3928	109	11	lenders	lender	NOUN
fsr-3928	109	12	contacted	contact	VERB
fsr-3928	109	13	;	;	PUNCT
fsr-3928	109	14	the	the	DET
fsr-3928	109	15	number	number	NOUN
fsr-3928	109	16	and	and	CCONJ
fsr-3928	109	17	types	type	NOUN
fsr-3928	109	18	of	of	ADP
fsr-3928	109	19	information	information	NOUN
fsr-3928	109	20	sources	source	NOUN
fsr-3928	109	21	used	use	VERB
fsr-3928	109	22	in	in	ADP
fsr-3928	109	23	mortgage	mortgage	NOUN
fsr-3928	109	24	shopping	shopping	NOUN
fsr-3928	109	25	;	;	PUNCT
fsr-3928	109	26	and	and	CCONJ
fsr-3928	109	27	the	the	DET
fsr-3928	109	28	number	number	NOUN
fsr-3928	109	29	and	and	CCONJ
fsr-3928	109	30	types	type	NOUN
fsr-3928	109	31	of	of	ADP
fsr-3928	109	32	loan	loan	NOUN
fsr-3928	109	33	terms	term	NOUN
fsr-3928	109	34	and	and	CCONJ
fsr-3928	109	35	features	feature	NOUN
fsr-3928	109	36	used	use	VERB
fsr-3928	109	37	in	in	ADP
fsr-3928	109	38	comparison	comparison	NOUN
fsr-3928	109	39	-	-	PUNCT
fsr-3928	109	40	shopping	shopping	NOUN
fsr-3928	109	41	.	.	PUNCT
fsr-3928	110	1	for	for	ADP
fsr-3928	110	2	these	these	DET
fsr-3928	110	3	surveys	survey	NOUN
fsr-3928	110	4	1,001	1,001	NUM
fsr-3928	110	5	households	household	NOUN
fsr-3928	110	6	were	be	AUX
fsr-3928	110	7	interviewed	interview	VERB
fsr-3928	110	8	by	by	ADP
fsr-3928	110	9	telephone	telephone	NOUN
fsr-3928	110	10	.	.	PUNCT
fsr-3928	111	1	among	among	ADP
fsr-3928	111	2	those	those	PRON
fsr-3928	111	3	,	,	PUNCT
fsr-3928	111	4	only	only	ADV
fsr-3928	111	5	the	the	DET
fsr-3928	111	6	respondents	respondent	NOUN
fsr-3928	111	7	who	who	PRON
fsr-3928	111	8	applied	apply	VERB
fsr-3928	111	9	for	for	ADP
fsr-3928	111	10	or	or	CCONJ
fsr-3928	111	11	refinanced	refinance	VERB
fsr-3928	111	12	a	a	DET
fsr-3928	111	13	home	home	NOUN
fsr-3928	111	14	mortgage	mortgage	NOUN
fsr-3928	111	15	loan	loan	NOUN
fsr-3928	111	16	(	(	PUNCT
fsr-3928	111	17	that	that	ADV
fsr-3928	111	18	is	is	ADV
fsr-3928	111	19	,	,	PUNCT
fsr-3928	111	20	shopped	shop	VERB
fsr-3928	111	21	for	for	ADP
fsr-3928	111	22	a	a	DET
fsr-3928	111	23	primary	primary	ADJ
fsr-3928	111	24	mortgage	mortgage	NOUN
fsr-3928	111	25	)	)	PUNCT
fsr-3928	111	26	during	during	ADP
fsr-3928	111	27	the	the	DET
fsr-3928	111	28	past	past	ADJ
fsr-3928	111	29	five	five	NUM
fsr-3928	111	30	years	year	NOUN
fsr-3928	111	31	are	be	AUX
fsr-3928	111	32	included	include	VERB
fsr-3928	111	33	in	in	ADP
fsr-3928	111	34	this	this	DET
fsr-3928	111	35	analysis	analysis	NOUN
fsr-3928	111	36	(	(	PUNCT
fsr-3928	111	37	n	n	NOUN
fsr-3928	111	38	5	5	NUM
fsr-3928	111	39	219	219	NUM
fsr-3928	111	40	;	;	PUNCT
fsr-3928	111	41	a	a	DET
fsr-3928	111	42	demographic	demographic	ADJ
fsr-3928	111	43	profile	profile	NOUN
fsr-3928	111	44	of	of	ADP
fsr-3928	111	45	the	the	DET
fsr-3928	111	46	sample	sample	NOUN
fsr-3928	111	47	is	be	AUX
fsr-3928	111	48	provided	provide	VERB
fsr-3928	111	49	in	in	ADP
fsr-3928	111	50	table	table	NOUN
fsr-3928	111	51	1	1	NUM
fsr-3928	111	52	)	)	PUNCT
fsr-3928	111	53	.	.	PUNCT
fsr-3928	112	1	for	for	ADP
fsr-3928	112	2	some	some	DET
fsr-3928	112	3	analyses	analysis	NOUN
fsr-3928	112	4	,	,	PUNCT
fsr-3928	112	5	we	we	PRON
fsr-3928	112	6	will	will	AUX
fsr-3928	112	7	be	be	AUX
fsr-3928	112	8	able	able	ADJ
fsr-3928	112	9	to	to	PART
fsr-3928	112	10	separate	separate	VERB
fsr-3928	112	11	refinancers	refinancer	NOUN
fsr-3928	112	12	from	from	ADP
fsr-3928	112	13	“	"	PUNCT
fsr-3928	112	14	other	other	ADJ
fsr-3928	112	15	mortgage	mortgage	NOUN
fsr-3928	112	16	borrowers	borrower	NOUN
fsr-3928	112	17	”	"	PUNCT
fsr-3928	112	18	;	;	PUNCT
fsr-3928	112	19	however	however	ADV
fsr-3928	112	20	the	the	DET
fsr-3928	112	21	data	datum	NOUN
fsr-3928	112	22	do	do	AUX
fsr-3928	112	23	not	not	PART
fsr-3928	112	24	allow	allow	VERB
fsr-3928	112	25	us	we	PRON
fsr-3928	112	26	to	to	PART
fsr-3928	112	27	determine	determine	VERB
fsr-3928	112	28	if	if	SCONJ
fsr-3928	112	29	these	these	DET
fsr-3928	112	30	other	other	ADJ
fsr-3928	112	31	mortgage	mortgage	NOUN
fsr-3928	112	32	borrowers	borrower	NOUN
fsr-3928	112	33	are	be	AUX
fsr-3928	112	34	first	first	ADJ
fsr-3928	112	35	time	time	NOUN
fsr-3928	112	36	home	home	NOUN
fsr-3928	112	37	buyers	buyer	NOUN
fsr-3928	112	38	,	,	PUNCT
fsr-3928	112	39	other	other	ADJ
fsr-3928	112	40	purchase	purchase	NOUN
fsr-3928	112	41	money	money	NOUN
fsr-3928	112	42	mortgage	mortgage	NOUN
fsr-3928	112	43	borrowers	borrower	NOUN
fsr-3928	112	44	,	,	PUNCT
fsr-3928	112	45	or	or	CCONJ
fsr-3928	112	46	some	some	DET
fsr-3928	112	47	other	other	ADJ
fsr-3928	112	48	category	category	NOUN
fsr-3928	112	49	of	of	ADP
fsr-3928	112	50	mortgage	mortgage	NOUN
fsr-3928	112	51	borrower	borrower	NOUN
fsr-3928	112	52	.	.	PUNCT
fsr-3928	113	1	households	household	NOUN
fsr-3928	113	2	who	who	PRON
fsr-3928	113	3	indicated	indicate	VERB
fsr-3928	113	4	they	they	PRON
fsr-3928	113	5	obtained	obtain	VERB
fsr-3928	113	6	home	home	NOUN
fsr-3928	113	7	equity	equity	NOUN
fsr-3928	113	8	loans	loan	NOUN
fsr-3928	113	9	are	be	AUX
fsr-3928	113	10	not	not	PART
fsr-3928	113	11	included	include	VERB
fsr-3928	113	12	,	,	PUNCT
fsr-3928	113	13	although	although	SCONJ
fsr-3928	113	14	some	some	DET
fsr-3928	113	15	refinancers	refinancer	NOUN
fsr-3928	113	16	may	may	AUX
fsr-3928	113	17	have	have	AUX
fsr-3928	113	18	taken	take	VERB
fsr-3928	113	19	some	some	DET
fsr-3928	113	20	cash	cash	NOUN
fsr-3928	113	21	out	out	ADP
fsr-3928	113	22	of	of	ADP
fsr-3928	113	23	their	their	PRON
fsr-3928	113	24	homes	home	NOUN
fsr-3928	113	25	as	as	ADP
fsr-3928	113	26	part	part	NOUN
fsr-3928	113	27	of	of	ADP
fsr-3928	113	28	the	the	DET
fsr-3928	113	29	refinancing	refinancing	NOUN
fsr-3928	113	30	.	.	PUNCT
fsr-3928	114	1	for	for	ADP
fsr-3928	114	2	example	example	NOUN
fsr-3928	114	3	,	,	PUNCT
fsr-3928	114	4	if	if	SCONJ
fsr-3928	114	5	a	a	DET
fsr-3928	114	6	borrower	borrower	NOUN
fsr-3928	114	7	had	have	VERB
fsr-3928	114	8	$	$	SYM
fsr-3928	114	9	100,000	100,000	NUM
fsr-3928	114	10	remaining	remain	VERB
fsr-3928	114	11	on	on	ADP
fsr-3928	114	12	the	the	DET
fsr-3928	114	13	mortgage	mortgage	NOUN
fsr-3928	114	14	and	and	CCONJ
fsr-3928	114	15	had	have	VERB
fsr-3928	114	16	a	a	DET
fsr-3928	114	17	home	home	NOUN
fsr-3928	114	18	worth	worth	ADJ
fsr-3928	114	19	$	$	SYM
fsr-3928	114	20	150,000	150,000	NUM
fsr-3928	114	21	,	,	PUNCT
fsr-3928	114	22	the	the	DET
fsr-3928	114	23	refinancing	refinancing	NOUN
fsr-3928	114	24	could	could	AUX
fsr-3928	114	25	have	have	AUX
fsr-3928	114	26	been	be	AUX
fsr-3928	114	27	for	for	ADP
fsr-3928	114	28	$	$	SYM
fsr-3928	114	29	120,000	120,000	NUM
fsr-3928	114	30	–	–	PUNCT
fsr-3928	114	31	$	$	SYM
fsr-3928	114	32	100,000	100,000	NUM
fsr-3928	114	33	to	to	PART
fsr-3928	114	34	pay	pay	VERB
fsr-3928	114	35	off	off	ADP
fsr-3928	114	36	the	the	DET
fsr-3928	114	37	former	former	ADJ
fsr-3928	114	38	mortgage	mortgage	NOUN
fsr-3928	114	39	and	and	CCONJ
fsr-3928	114	40	$	$	SYM
fsr-3928	114	41	20,000	20,000	NUM
fsr-3928	114	42	in	in	ADP
fsr-3928	114	43	cash	cash	NOUN
fsr-3928	114	44	for	for	ADP
fsr-3928	114	45	some	some	DET
fsr-3928	114	46	other	other	ADJ
fsr-3928	114	47	purpose	purpose	NOUN
fsr-3928	114	48	.	.	PUNCT
fsr-3928	115	1	again	again	ADV
fsr-3928	115	2	,	,	PUNCT
fsr-3928	115	3	the	the	DET
fsr-3928	115	4	data	datum	NOUN
fsr-3928	115	5	do	do	AUX
fsr-3928	115	6	not	not	PART
fsr-3928	115	7	allow	allow	VERB
fsr-3928	115	8	us	we	PRON
fsr-3928	115	9	to	to	PART
fsr-3928	115	10	determine	determine	VERB
fsr-3928	115	11	the	the	DET
fsr-3928	115	12	pure	pure	ADJ
fsr-3928	115	13	refinancers	refinancer	NOUN
fsr-3928	115	14	from	from	ADP
fsr-3928	115	15	the	the	DET
fsr-3928	115	16	cash	cash	NOUN
fsr-3928	115	17	-	-	PUNCT
fsr-3928	115	18	out	out	ADP
fsr-3928	115	19	refinancers	refinancer	NOUN
fsr-3928	115	20	.	.	PUNCT
fsr-3928	116	1	4.2	4.2	NUM
fsr-3928	116	2	.	.	PUNCT
fsr-3928	116	3	measures	measure	VERB
fsr-3928	116	4	the	the	DET
fsr-3928	116	5	following	follow	VERB
fsr-3928	116	6	questions	question	NOUN
fsr-3928	116	7	were	be	AUX
fsr-3928	116	8	asked	ask	VERB
fsr-3928	116	9	to	to	PART
fsr-3928	116	10	identify	identify	VERB
fsr-3928	116	11	consumer	consumer	NOUN
fsr-3928	116	12	’s	’s	PART
fsr-3928	116	13	search	search	NOUN
fsr-3928	116	14	behavior	behavior	NOUN
fsr-3928	116	15	when	when	SCONJ
fsr-3928	116	16	shopping	shop	VERB
fsr-3928	116	17	for	for	ADP
fsr-3928	116	18	a	a	DET
fsr-3928	116	19	home	home	NOUN
fsr-3928	116	20	mortgage	mortgage	NOUN
fsr-3928	116	21	.	.	PUNCT
fsr-3928	117	1	number	number	NOUN
fsr-3928	117	2	of	of	ADP
fsr-3928	117	3	lenders	lender	NOUN
fsr-3928	117	4	contactedrefers	contactedrefer	NOUN
fsr-3928	117	5	to	to	ADP
fsr-3928	117	6	the	the	DET
fsr-3928	117	7	number	number	NOUN
fsr-3928	117	8	of	of	ADP
fsr-3928	117	9	different	different	ADJ
fsr-3928	117	10	lenders	lender	NOUN
fsr-3928	117	11	or	or	CCONJ
fsr-3928	117	12	brokers	broker	NOUN
fsr-3928	117	13	a	a	DET
fsr-3928	117	14	respondent	respondent	NOUN
fsr-3928	117	15	contacted	contact	VERB
fsr-3928	117	16	before	before	ADP
fsr-3928	117	17	applying	apply	VERB
fsr-3928	117	18	for	for	ADP
fsr-3928	117	19	the	the	DET
fsr-3928	117	20	mortgage	mortgage	NOUN
fsr-3928	117	21	(	(	PUNCT
fsr-3928	117	22	srinivasan	srinivasan	NOUN
fsr-3928	117	23	&	&	CCONJ
fsr-3928	117	24	ratchford	ratchford	PROPN
fsr-3928	117	25	,	,	PUNCT
fsr-3928	117	26	1991	1991	NUM
fsr-3928	117	27	)	)	PUNCT
fsr-3928	117	28	.	.	PUNCT
fsr-3928	118	1	it	it	PRON
fsr-3928	118	2	is	be	AUX
fsr-3928	118	3	a	a	DET
fsr-3928	118	4	continuous	continuous	ADJ
fsr-3928	118	5	variable	variable	NOUN
fsr-3928	118	6	.	.	PUNCT
fsr-3928	119	1	source	source	NOUN
fsr-3928	119	2	of	of	ADP
fsr-3928	119	3	informationreflects	informationreflect	NOUN
fsr-3928	119	4	where	where	SCONJ
fsr-3928	119	5	a	a	DET
fsr-3928	119	6	respondent	respondent	NOUN
fsr-3928	119	7	obtained	obtain	VERB
fsr-3928	119	8	information	information	NOUN
fsr-3928	119	9	.	.	PUNCT
fsr-3928	120	1	respondents	respondent	NOUN
fsr-3928	120	2	were	be	AUX
fsr-3928	120	3	asked	ask	VERB
fsr-3928	120	4	what	what	PRON
fsr-3928	120	5	sources	source	NOUN
fsr-3928	120	6	of	of	ADP
fsr-3928	120	7	information	information	NOUN
fsr-3928	120	8	they	they	PRON
fsr-3928	120	9	used	use	VERB
fsr-3928	120	10	when	when	SCONJ
fsr-3928	120	11	shopping	shop	VERB
fsr-3928	120	12	for	for	ADP
fsr-3928	120	13	a	a	DET
fsr-3928	120	14	mortgage	mortgage	NOUN
fsr-3928	120	15	loan	loan	NOUN
fsr-3928	120	16	.	.	PUNCT
fsr-3928	121	1	each	each	DET
fsr-3928	121	2	source	source	NOUN
fsr-3928	121	3	of	of	ADP
fsr-3928	121	4	information	information	NOUN
fsr-3928	121	5	was	be	AUX
fsr-3928	121	6	prompted	prompt	VERB
fsr-3928	121	7	.	.	PUNCT
fsr-3928	122	1	y	y	PROPN
fsr-3928	122	2	banks	bank	NOUN
fsr-3928	122	3	,	,	PUNCT
fsr-3928	122	4	savings	saving	NOUN
fsr-3928	122	5	and	and	CCONJ
fsr-3928	122	6	loans	loan	NOUN
fsr-3928	122	7	,	,	PUNCT
fsr-3928	122	8	or	or	CCONJ
fsr-3928	122	9	credit	credit	NOUN
fsr-3928	122	10	unions	union	NOUN
fsr-3928	122	11	y	y	PROPN
fsr-3928	122	12	mortgage	mortgage	NOUN
fsr-3928	122	13	company	company	NOUN
fsr-3928	122	14	y	y	PROPN
fsr-3928	122	15	other	other	ADJ
fsr-3928	122	16	financial	financial	ADJ
fsr-3928	122	17	institutions	institution	NOUN
fsr-3928	122	18	y	y	PROPN
fsr-3928	122	19	real	real	ADJ
fsr-3928	122	20	estate	estate	NOUN
fsr-3928	122	21	agents	agent	NOUN
fsr-3928	122	22	y	y	PROPN
fsr-3928	122	23	advertisements	advertisement	VERB
fsr-3928	122	24	–	–	PUNCT
fsr-3928	122	25	tv	tv	NOUN
fsr-3928	122	26	and	and	CCONJ
fsr-3928	122	27	newspapers	newspaper	NOUN
fsr-3928	122	28	y	y	PROPN
fsr-3928	122	29	comparative	comparative	ADJ
fsr-3928	122	30	ratings	rating	NOUN
fsr-3928	122	31	published	publish	VERB
fsr-3928	122	32	in	in	ADP
fsr-3928	122	33	newspapers	newspaper	NOUN
fsr-3928	122	34	,	,	PUNCT
fsr-3928	122	35	magazines	magazine	NOUN
fsr-3928	122	36	,	,	PUNCT
fsr-3928	122	37	or	or	CCONJ
fsr-3928	122	38	internet	internet	NOUN
fsr-3928	122	39	y	y	PROPN
fsr-3928	122	40	friends	friend	NOUN
fsr-3928	122	41	or	or	CCONJ
fsr-3928	122	42	relatives	relative	NOUN
fsr-3928	122	43	a	a	DET
fsr-3928	122	44	set	set	NOUN
fsr-3928	122	45	of	of	ADP
fsr-3928	122	46	binary	binary	ADJ
fsr-3928	122	47	variables	variable	NOUN
fsr-3928	122	48	was	be	AUX
fsr-3928	122	49	created	create	VERB
fsr-3928	122	50	to	to	PART
fsr-3928	122	51	indicate	indicate	VERB
fsr-3928	122	52	whether	whether	SCONJ
fsr-3928	122	53	each	each	PRON
fsr-3928	122	54	of	of	ADP
fsr-3928	122	55	the	the	DET
fsr-3928	122	56	above	above	ADJ
fsr-3928	122	57	particular	particular	ADJ
fsr-3928	122	58	sources	source	NOUN
fsr-3928	122	59	of	of	ADP
fsr-3928	122	60	information	information	NOUN
fsr-3928	122	61	was	be	AUX
fsr-3928	122	62	used	use	VERB
fsr-3928	122	63	(	(	PUNCT
fsr-3928	122	64	15	15	NUM
fsr-3928	122	65	used	use	VERB
fsr-3928	122	66	;	;	PUNCT
fsr-3928	122	67	05	05	NUM
fsr-3928	122	68	did	do	AUX
fsr-3928	122	69	not	not	PART
fsr-3928	122	70	use	use	VERB
fsr-3928	122	71	)	)	PUNCT
fsr-3928	122	72	.	.	PUNCT
fsr-3928	123	1	number	number	NOUN
fsr-3928	123	2	of	of	ADP
fsr-3928	123	3	information	information	NOUN
fsr-3928	123	4	sources	source	NOUN
fsr-3928	123	5	consultedwas	consultedwas	AUX
fsr-3928	123	6	then	then	ADV
fsr-3928	123	7	constructed	construct	VERB
fsr-3928	123	8	by	by	ADP
fsr-3928	123	9	summing	sum	VERB
fsr-3928	123	10	the	the	DET
fsr-3928	123	11	number	number	NOUN
fsr-3928	123	12	of	of	ADP
fsr-3928	123	13	the	the	DET
fsr-3928	123	14	above	above	ADJ
fsr-3928	123	15	information	information	NOUN
fsr-3928	123	16	sources	source	NOUN
fsr-3928	123	17	used	use	VERB
fsr-3928	123	18	.	.	PUNCT
fsr-3928	124	1	282	282	NUM
fsr-3928	124	2	j.m	j.m	PROPN
fsr-3928	124	3	.	.	PROPN
fsr-3928	124	4	hogarth	hogarth	PROPN
fsr-3928	124	5	,	,	PUNCT
fsr-3928	124	6	j.	j.	PROPN
fsr-3928	124	7	lee	lee	PROPN
fsr-3928	124	8	/	/	SYM
fsr-3928	124	9	financial	financial	PROPN
fsr-3928	124	10	services	service	NOUN
fsr-3928	124	11	review	review	VERB
fsr-3928	124	12	9	9	NUM
fsr-3928	124	13	(	(	PUNCT
fsr-3928	124	14	2000	2000	NUM
fsr-3928	124	15	)	)	PUNCT
fsr-3928	124	16	277–293	277–293	NUM
fsr-3928	124	17	table	table	NOUN
fsr-3928	124	18	1	1	NUM
fsr-3928	124	19	profile	profile	NOUN
fsr-3928	124	20	of	of	ADP
fsr-3928	124	21	sample	sample	NOUN
fsr-3928	124	22	demographic	demographic	ADJ
fsr-3928	124	23	characteristics	characteristic	NOUN
fsr-3928	124	24	respondents	respondent	NOUN
fsr-3928	124	25	who	who	PRON
fsr-3928	124	26	applied	apply	VERB
fsr-3928	124	27	for	for	ADP
fsr-3928	124	28	a	a	DET
fsr-3928	124	29	home	home	NOUN
fsr-3928	124	30	mortgage	mortgage	NOUN
fsr-3928	124	31	past	past	ADP
fsr-3928	124	32	5	5	NUM
fsr-3928	124	33	years	year	NOUN
fsr-3928	124	34	(	(	PUNCT
fsr-3928	124	35	not	not	PART
fsr-3928	124	36	refinancing	refinance	VERB
fsr-3928	124	37	)	)	PUNCT
fsr-3928	124	38	respondents	respondent	NOUN
fsr-3928	124	39	who	who	PRON
fsr-3928	124	40	refinanced	refinance	VERB
fsr-3928	124	41	a	a	DET
fsr-3928	124	42	home	home	NOUN
fsr-3928	124	43	mortgage	mortgage	NOUN
fsr-3928	124	44	past	past	ADP
fsr-3928	124	45	5	5	NUM
fsr-3928	124	46	years	year	NOUN
fsr-3928	124	47	all	all	DET
fsr-3928	124	48	respondents	respondent	NOUN
fsr-3928	124	49	age1	age1	VERB
fsr-3928	124	50	18–24	18–24	NUM
fsr-3928	124	51	6.1	6.1	NUM
fsr-3928	124	52	%	%	NOUN
fsr-3928	124	53	3.4	3.4	NUM
fsr-3928	124	54	%	%	NOUN
fsr-3928	124	55	9.2	9.2	NUM
fsr-3928	124	56	%	%	NOUN
fsr-3928	124	57	25–34	25–34	NUM
fsr-3928	124	58	35.9	35.9	NUM
fsr-3928	124	59	%	%	NOUN
fsr-3928	124	60	13.6	13.6	NUM
fsr-3928	124	61	%	%	NOUN
fsr-3928	124	62	22.1	22.1	NUM
fsr-3928	124	63	%	%	NOUN
fsr-3928	124	64	35–44	35–44	NUM
fsr-3928	124	65	32.8	32.8	NUM
fsr-3928	124	66	%	%	NOUN
fsr-3928	124	67	46.6	46.6	NUM
fsr-3928	124	68	%	%	NOUN
fsr-3928	124	69	24.9	24.9	NUM
fsr-3928	124	70	%	%	NOUN
fsr-3928	124	71	45–54	45–54	NUM
fsr-3928	124	72	18.3	18.3	NUM
fsr-3928	124	73	%	%	NOUN
fsr-3928	124	74	26.1	26.1	NUM
fsr-3928	124	75	%	%	NOUN
fsr-3928	124	76	18.0	18.0	NUM
fsr-3928	124	77	%	%	NOUN
fsr-3928	124	78	55–64	55–64	NUM
fsr-3928	124	79	3.8	3.8	NUM
fsr-3928	124	80	%	%	NOUN
fsr-3928	124	81	6.8	6.8	NUM
fsr-3928	124	82	%	%	NOUN
fsr-3928	124	83	8.7	8.7	NUM
fsr-3928	124	84	%	%	NOUN
fsr-3928	124	85	65	65	NUM
fsr-3928	124	86	or	or	CCONJ
fsr-3928	124	87	older	old	ADJ
fsr-3928	124	88	3.1	3.1	NUM
fsr-3928	124	89	%	%	NOUN
fsr-3928	124	90	3.4	3.4	NUM
fsr-3928	124	91	%	%	NOUN
fsr-3928	124	92	17.0	17.0	NUM
fsr-3928	124	93	%	%	NOUN
fsr-3928	124	94	education1	education1	NOUN
fsr-3928	124	95	less	less	ADJ
fsr-3928	124	96	than	than	ADP
fsr-3928	124	97	high	high	ADJ
fsr-3928	124	98	school	school	NOUN
fsr-3928	124	99	3.1	3.1	NUM
fsr-3928	124	100	%	%	NOUN
fsr-3928	124	101	0.0	0.0	NUM
fsr-3928	124	102	%	%	NOUN
fsr-3928	124	103	10.6	10.6	NUM
fsr-3928	124	104	%	%	NOUN
fsr-3928	124	105	high	high	ADJ
fsr-3928	124	106	school	school	NOUN
fsr-3928	124	107	graduate	graduate	NOUN
fsr-3928	124	108	25.2	25.2	NUM
fsr-3928	124	109	%	%	NOUN
fsr-3928	124	110	25.0	25.0	NUM
fsr-3928	124	111	%	%	NOUN
fsr-3928	124	112	31.5	31.5	NUM
fsr-3928	124	113	%	%	NOUN
fsr-3928	124	114	some	some	DET
fsr-3928	124	115	college	college	NOUN
fsr-3928	124	116	19.9	19.9	NUM
fsr-3928	124	117	%	%	NOUN
fsr-3928	124	118	34.1	34.1	NUM
fsr-3928	124	119	%	%	NOUN
fsr-3928	124	120	21.2	21.2	NUM
fsr-3928	124	121	%	%	NOUN
fsr-3928	124	122	college	college	NOUN
fsr-3928	124	123	degree	degree	NOUN
fsr-3928	124	124	or	or	CCONJ
fsr-3928	124	125	more	more	ADJ
fsr-3928	124	126	50.3	50.3	NUM
fsr-3928	124	127	%	%	NOUN
fsr-3928	124	128	49.8	49.8	NUM
fsr-3928	124	129	%	%	NOUN
fsr-3928	124	130	34.6	34.6	NUM
fsr-3928	124	131	%	%	NOUN
fsr-3928	124	132	income1	income1	NOUN
fsr-3928	124	133	under	under	ADP
fsr-3928	124	134	$	$	SYM
fsr-3928	124	135	10,000	10,000	NUM
fsr-3928	124	136	1.5	1.5	NUM
fsr-3928	124	137	%	%	NOUN
fsr-3928	124	138	0.0	0.0	NUM
fsr-3928	124	139	%	%	NOUN
fsr-3928	124	140	5.4	5.4	NUM
fsr-3928	124	141	%	%	NOUN
fsr-3928	124	142	$	$	SYM
fsr-3928	124	143	10,000–19,999	10,000–19,999	NUM
fsr-3928	124	144	5.3	5.3	NUM
fsr-3928	124	145	%	%	NOUN
fsr-3928	124	146	4.6	4.6	NUM
fsr-3928	124	147	%	%	NOUN
fsr-3928	124	148	13.7	13.7	NUM
fsr-3928	124	149	%	%	NOUN
fsr-3928	124	150	$	$	SYM
fsr-3928	124	151	20,000–29,999	20,000–29,999	NUM
fsr-3928	124	152	9.9	9.9	NUM
fsr-3928	124	153	%	%	NOUN
fsr-3928	124	154	6.8	6.8	NUM
fsr-3928	124	155	%	%	NOUN
fsr-3928	124	156	13.7	13.7	NUM
fsr-3928	124	157	%	%	NOUN
fsr-3928	124	158	$	$	SYM
fsr-3928	124	159	30,000–39,999	30,000–39,999	NUM
fsr-3928	124	160	12.2	12.2	NUM
fsr-3928	124	161	%	%	NOUN
fsr-3928	124	162	9.1	9.1	NUM
fsr-3928	124	163	%	%	NOUN
fsr-3928	124	164	12.9	12.9	NUM
fsr-3928	124	165	%	%	NOUN
fsr-3928	124	166	$	$	SYM
fsr-3928	124	167	40,000–49,999	40,000–49,999	NOUN
fsr-3928	124	168	8.4	8.4	NUM
fsr-3928	124	169	%	%	NOUN
fsr-3928	124	170	13.6	13.6	NUM
fsr-3928	124	171	%	%	NOUN
fsr-3928	124	172	9.7	9.7	NUM
fsr-3928	124	173	%	%	NOUN
fsr-3928	124	174	$	$	SYM
fsr-3928	124	175	50,000–59,999	50,000–59,999	NUM
fsr-3928	124	176	16.8	16.8	NUM
fsr-3928	124	177	%	%	NOUN
fsr-3928	124	178	13.6	13.6	NUM
fsr-3928	124	179	%	%	NOUN
fsr-3928	124	180	9.0	9.0	NUM
fsr-3928	124	181	%	%	NOUN
fsr-3928	124	182	$	$	SYM
fsr-3928	124	183	60,000–74,999	60,000–74,999	NUM
fsr-3928	124	184	12.2	12.2	NUM
fsr-3928	124	185	%	%	NOUN
fsr-3928	124	186	21.6	21.6	NUM
fsr-3928	124	187	%	%	NOUN
fsr-3928	124	188	10.5	10.5	NUM
fsr-3928	124	189	%	%	NOUN
fsr-3928	124	190	$	$	SYM
fsr-3928	124	191	75,000–99,999	75,000–99,999	NUM
fsr-3928	124	192	9.9	9.9	NUM
fsr-3928	124	193	%	%	NOUN
fsr-3928	124	194	11.4	11.4	NUM
fsr-3928	124	195	%	%	NOUN
fsr-3928	124	196	6.1	6.1	NUM
fsr-3928	124	197	%	%	NOUN
fsr-3928	124	198	$	$	SYM
fsr-3928	124	199	100,000	100,000	NUM
fsr-3928	124	200	or	or	CCONJ
fsr-3928	124	201	more	more	ADJ
fsr-3928	124	202	19.9	19.9	NUM
fsr-3928	124	203	%	%	NOUN
fsr-3928	124	204	18.1	18.1	NUM
fsr-3928	124	205	%	%	NOUN
fsr-3928	124	206	10.3	10.3	NUM
fsr-3928	124	207	%	%	NOUN
fsr-3928	124	208	below	below	ADP
fsr-3928	124	209	$	$	SYM
fsr-3928	124	210	35,000	35,000	NUM
fsr-3928	124	211	(	(	PUNCT
fsr-3928	124	212	n.e.c	n.e.c	ADJ
fsr-3928	124	213	.	.	PUNCT
fsr-3928	124	214	)	)	PUNCT
fsr-3928	124	215	0.8	0.8	NUM
fsr-3928	124	216	%	%	NOUN
fsr-3928	124	217	0.0	0.0	NUM
fsr-3928	124	218	%	%	NOUN
fsr-3928	124	219	0.9	0.9	NUM
fsr-3928	124	220	%	%	NOUN
fsr-3928	124	221	above	above	ADP
fsr-3928	124	222	$	$	SYM
fsr-3928	124	223	35,000	35,000	NUM
fsr-3928	124	224	(	(	PUNCT
fsr-3928	124	225	n.e.c	n.e.c	ADJ
fsr-3928	124	226	.	.	PUNCT
fsr-3928	124	227	)	)	PUNCT
fsr-3928	124	228	0.8	0.8	NUM
fsr-3928	124	229	%	%	NOUN
fsr-3928	124	230	0.0	0.0	NUM
fsr-3928	124	231	%	%	NOUN
fsr-3928	124	232	0.7	0.7	NUM
fsr-3928	124	233	%	%	NOUN
fsr-3928	124	234	race	race	NOUN
fsr-3928	124	235	/	/	SYM
fsr-3928	124	236	ethnicity1	ethnicity1	NOUN
fsr-3928	124	237	white	white	ADJ
fsr-3928	124	238	except	except	SCONJ
fsr-3928	124	239	hispanic	hispanic	ADJ
fsr-3928	124	240	84.0	84.0	NUM
fsr-3928	124	241	%	%	NOUN
fsr-3928	124	242	89.8	89.8	NUM
fsr-3928	124	243	%	%	NOUN
fsr-3928	124	244	78.2	78.2	NUM
fsr-3928	124	245	%	%	NOUN
fsr-3928	124	246	black	black	ADJ
fsr-3928	124	247	except	except	SCONJ
fsr-3928	124	248	hispanic	hispanic	ADJ
fsr-3928	124	249	3.1	3.1	NUM
fsr-3928	124	250	%	%	NOUN
fsr-3928	124	251	4.6	4.6	NUM
fsr-3928	124	252	%	%	NOUN
fsr-3928	124	253	8.1	8.1	NUM
fsr-3928	124	254	%	%	NOUN
fsr-3928	124	255	hispanic	hispanic	NOUN
fsr-3928	124	256	4.6	4.6	NUM
fsr-3928	124	257	%	%	NOUN
fsr-3928	124	258	3.4	3.4	NUM
fsr-3928	124	259	%	%	NOUN
fsr-3928	124	260	6.8	6.8	NUM
fsr-3928	124	261	%	%	NOUN
fsr-3928	124	262	others	other	NOUN
fsr-3928	124	263	5.4	5.4	NUM
fsr-3928	124	264	%	%	NOUN
fsr-3928	124	265	1.1	1.1	NUM
fsr-3928	124	266	%	%	NOUN
fsr-3928	124	267	3.6	3.6	NUM
fsr-3928	124	268	%	%	NOUN
fsr-3928	124	269	marital	marital	ADJ
fsr-3928	124	270	status1	status1	PROPN
fsr-3928	124	271	married	marry	VERB
fsr-3928	124	272	72.5	72.5	NUM
fsr-3928	124	273	%	%	NOUN
fsr-3928	124	274	75.0	75.0	NUM
fsr-3928	124	275	%	%	NOUN
fsr-3928	124	276	57.4	57.4	NUM
fsr-3928	124	277	%	%	NOUN
fsr-3928	124	278	separated	separate	VERB
fsr-3928	124	279	/	/	SYM
fsr-3928	124	280	divorced	divorce	VERB
fsr-3928	124	281	11.5	11.5	NUM
fsr-3928	124	282	%	%	NOUN
fsr-3928	124	283	15.9	15.9	NUM
fsr-3928	124	284	%	%	NOUN
fsr-3928	124	285	13.5	13.5	NUM
fsr-3928	124	286	%	%	NOUN
fsr-3928	124	287	widowed	widow	VERB
fsr-3928	124	288	2.3	2.3	NUM
fsr-3928	124	289	%	%	NOUN
fsr-3928	124	290	1.1	1.1	NUM
fsr-3928	124	291	%	%	NOUN
fsr-3928	124	292	8.7	8.7	NUM
fsr-3928	124	293	%	%	NOUN
fsr-3928	124	294	never	never	ADV
fsr-3928	124	295	married	marry	VERB
fsr-3928	124	296	13.0	13.0	NUM
fsr-3928	124	297	%	%	NOUN
fsr-3928	124	298	6.8	6.8	NUM
fsr-3928	124	299	%	%	NOUN
fsr-3928	124	300	19.6	19.6	NUM
fsr-3928	124	301	%	%	NOUN
fsr-3928	124	302	region	region	NOUN
fsr-3928	124	303	west	west	NOUN
fsr-3928	124	304	22.9	22.9	NUM
fsr-3928	124	305	%	%	NOUN
fsr-3928	124	306	25.0	25.0	NUM
fsr-3928	124	307	%	%	NOUN
fsr-3928	124	308	21.3	21.3	NUM
fsr-3928	124	309	%	%	NOUN
fsr-3928	124	310	midwest	midwest	NOUN
fsr-3928	124	311	31.3	31.3	NUM
fsr-3928	124	312	%	%	NOUN
fsr-3928	124	313	28.4	28.4	NUM
fsr-3928	124	314	%	%	NOUN
fsr-3928	124	315	26.9	26.9	NUM
fsr-3928	124	316	%	%	NOUN
fsr-3928	124	317	northeast	northeast	ADV
fsr-3928	124	318	15.3	15.3	NUM
fsr-3928	124	319	%	%	NOUN
fsr-3928	124	320	14.8	14.8	NUM
fsr-3928	124	321	%	%	NOUN
fsr-3928	124	322	18.7	18.7	NUM
fsr-3928	124	323	%	%	NOUN
fsr-3928	124	324	south	south	NOUN
fsr-3928	124	325	30.5	30.5	NUM
fsr-3928	124	326	%	%	NOUN
fsr-3928	124	327	31.8	31.8	NUM
fsr-3928	124	328	%	%	NOUN
fsr-3928	124	329	33.2	33.2	NUM
fsr-3928	124	330	%	%	NOUN
fsr-3928	124	331	number	number	NOUN
fsr-3928	124	332	131	131	NUM
fsr-3928	124	333	88	88	NUM
fsr-3928	124	334	1001	1001	NUM
fsr-3928	124	335	1	1	NUM
fsr-3928	124	336	percentage	percentage	NOUN
fsr-3928	124	337	does	do	AUX
fsr-3928	124	338	n’t	not	PART
fsr-3928	124	339	add	add	VERB
fsr-3928	124	340	up	up	ADP
fsr-3928	124	341	to	to	PART
fsr-3928	124	342	100	100	NUM
fsr-3928	124	343	%	%	NOUN
fsr-3928	124	344	due	due	ADP
fsr-3928	124	345	to	to	ADP
fsr-3928	124	346	missing	miss	VERB
fsr-3928	124	347	information	information	NOUN
fsr-3928	124	348	.	.	PUNCT
fsr-3928	125	1	n.e.c	n.e.c	ADJ
fsr-3928	125	2	.	.	PROPN
fsr-3928	125	3	,	,	PUNCT
fsr-3928	125	4	not	not	PART
fsr-3928	125	5	elsewhere	elsewhere	ADV
fsr-3928	125	6	classified	classified	ADJ
fsr-3928	125	7	.	.	PUNCT
fsr-3928	126	1	283j.m	283j.m	NOUN
fsr-3928	126	2	.	.	PUNCT
fsr-3928	126	3	hogarth	hogarth	NOUN
fsr-3928	126	4	,	,	PUNCT
fsr-3928	126	5	j.	j.	PROPN
fsr-3928	126	6	lee	lee	PROPN
fsr-3928	126	7	/	/	SYM
fsr-3928	126	8	financial	financial	PROPN
fsr-3928	126	9	services	service	NOUN
fsr-3928	126	10	review	review	VERB
fsr-3928	126	11	9	9	NUM
fsr-3928	126	12	(	(	PUNCT
fsr-3928	126	13	2000	2000	NUM
fsr-3928	126	14	)	)	PUNCT
fsr-3928	127	1	277–293	277–293	NUM
fsr-3928	127	2	terms	term	NOUN
fsr-3928	127	3	compared	compare	VERB
fsr-3928	127	4	.	.	PUNCT
fsr-3928	128	1	respondents	respondent	NOUN
fsr-3928	128	2	were	be	AUX
fsr-3928	128	3	asked	ask	VERB
fsr-3928	128	4	what	what	PRON
fsr-3928	128	5	loan	loan	NOUN
fsr-3928	128	6	terms	term	NOUN
fsr-3928	128	7	and	and	CCONJ
fsr-3928	128	8	features	feature	VERB
fsr-3928	128	9	they	they	PRON
fsr-3928	128	10	compared	compare	VERB
fsr-3928	128	11	when	when	SCONJ
fsr-3928	128	12	shopping	shop	VERB
fsr-3928	128	13	for	for	ADP
fsr-3928	128	14	a	a	DET
fsr-3928	128	15	home	home	NOUN
fsr-3928	128	16	mortgage	mortgage	NOUN
fsr-3928	128	17	loan	loan	NOUN
fsr-3928	128	18	.	.	PUNCT
fsr-3928	129	1	each	each	DET
fsr-3928	129	2	term	term	NOUN
fsr-3928	129	3	was	be	AUX
fsr-3928	129	4	prompted	prompt	VERB
fsr-3928	129	5	.	.	PUNCT
fsr-3928	130	1	y	y	PROPN
fsr-3928	130	2	interest	interest	NOUN
fsr-3928	130	3	rates	rate	NOUN
fsr-3928	130	4	y	y	PRON
fsr-3928	130	5	whether	whether	SCONJ
fsr-3928	130	6	the	the	DET
fsr-3928	130	7	interest	interest	NOUN
fsr-3928	130	8	was	be	AUX
fsr-3928	130	9	fixed	fix	VERB
fsr-3928	130	10	or	or	CCONJ
fsr-3928	130	11	variable	variable	ADJ
fsr-3928	130	12	y	y	PROPN
fsr-3928	130	13	points	point	NOUN
fsr-3928	130	14	or	or	CCONJ
fsr-3928	130	15	origination	origination	NOUN
fsr-3928	130	16	fees	fee	NOUN
fsr-3928	130	17	y	y	PROPN
fsr-3928	130	18	mortgage	mortgage	NOUN
fsr-3928	130	19	broker	broker	NOUN
fsr-3928	130	20	fees	fee	NOUN
fsr-3928	130	21	y	y	PROPN
fsr-3928	130	22	application	application	NOUN
fsr-3928	130	23	fees	fee	NOUN
fsr-3928	130	24	y	y	PROPN
fsr-3928	130	25	annual	annual	ADJ
fsr-3928	130	26	percentage	percentage	NOUN
fsr-3928	130	27	rate	rate	NOUN
fsr-3928	130	28	y	y	PROPN
fsr-3928	130	29	monthly	monthly	ADJ
fsr-3928	130	30	payment	payment	NOUN
fsr-3928	130	31	amounts	amount	VERB
fsr-3928	130	32	y	y	PROPN
fsr-3928	130	33	optional	optional	ADJ
fsr-3928	130	34	credit	credit	NOUN
fsr-3928	130	35	life	life	NOUN
fsr-3928	130	36	insurance	insurance	NOUN
fsr-3928	130	37	y	y	PROPN
fsr-3928	130	38	other	other	ADJ
fsr-3928	130	39	fees	fee	NOUN
fsr-3928	130	40	,	,	PUNCT
fsr-3928	130	41	such	such	ADJ
fsr-3928	130	42	as	as	ADP
fsr-3928	130	43	late	late	ADJ
fsr-3928	130	44	payment	payment	NOUN
fsr-3928	130	45	fees	fee	NOUN
fsr-3928	130	46	y	y	PROPN
fsr-3928	130	47	other	other	ADJ
fsr-3928	130	48	terms	term	NOUN
fsr-3928	130	49	a	a	DET
fsr-3928	130	50	set	set	NOUN
fsr-3928	130	51	of	of	ADP
fsr-3928	130	52	binary	binary	ADJ
fsr-3928	130	53	variables	variable	NOUN
fsr-3928	130	54	was	be	AUX
fsr-3928	130	55	created	create	VERB
fsr-3928	130	56	to	to	PART
fsr-3928	130	57	indicate	indicate	VERB
fsr-3928	130	58	whether	whether	SCONJ
fsr-3928	130	59	each	each	PRON
fsr-3928	130	60	of	of	ADP
fsr-3928	130	61	the	the	DET
fsr-3928	130	62	above	above	ADJ
fsr-3928	130	63	particular	particular	ADJ
fsr-3928	130	64	terms	term	NOUN
fsr-3928	130	65	and	and	CCONJ
fsr-3928	130	66	features	feature	NOUN
fsr-3928	130	67	was	be	AUX
fsr-3928	130	68	compared	compare	VERB
fsr-3928	130	69	(	(	PUNCT
fsr-3928	130	70	15	15	NUM
fsr-3928	130	71	compared	compare	VERB
fsr-3928	130	72	;	;	PUNCT
fsr-3928	130	73	05	05	NUM
fsr-3928	130	74	did	do	AUX
fsr-3928	130	75	not	not	PART
fsr-3928	130	76	compare	compare	VERB
fsr-3928	130	77	)	)	PUNCT
fsr-3928	130	78	.	.	PUNCT
fsr-3928	131	1	number	number	NOUN
fsr-3928	131	2	of	of	ADP
fsr-3928	131	3	terms	term	NOUN
fsr-3928	131	4	comparedwas	comparedwa	VERB
fsr-3928	131	5	then	then	ADV
fsr-3928	131	6	constructed	construct	VERB
fsr-3928	131	7	by	by	ADP
fsr-3928	131	8	summing	sum	VERB
fsr-3928	131	9	the	the	DET
fsr-3928	131	10	number	number	NOUN
fsr-3928	131	11	of	of	ADP
fsr-3928	131	12	the	the	DET
fsr-3928	131	13	above	above	ADJ
fsr-3928	131	14	terms	term	NOUN
fsr-3928	131	15	compared	compare	VERB
fsr-3928	131	16	(	(	PUNCT
fsr-3928	131	17	ozanne	ozanne	NOUN
fsr-3928	131	18	,	,	PUNCT
fsr-3928	131	19	brucks	bruck	NOUN
fsr-3928	131	20	&	&	CCONJ
fsr-3928	131	21	grewal	grewal	PROPN
fsr-3928	131	22	,	,	PUNCT
fsr-3928	131	23	1992	1992	NUM
fsr-3928	131	24	)	)	PUNCT
fsr-3928	131	25	.	.	PUNCT
fsr-3928	132	1	extent	extent	NOUN
fsr-3928	132	2	of	of	ADP
fsr-3928	132	3	search	search	NOUN
fsr-3928	132	4	.	.	PUNCT
fsr-3928	133	1	respondents	respondent	NOUN
fsr-3928	133	2	were	be	AUX
fsr-3928	133	3	asked	ask	VERB
fsr-3928	133	4	how	how	SCONJ
fsr-3928	133	5	much	much	ADJ
fsr-3928	133	6	comparison	comparison	NOUN
fsr-3928	133	7	shopping	shopping	NOUN
fsr-3928	133	8	they	they	PRON
fsr-3928	133	9	did	do	VERB
fsr-3928	133	10	when	when	SCONJ
fsr-3928	133	11	they	they	PRON
fsr-3928	133	12	last	last	VERB
fsr-3928	133	13	applied	apply	VERB
fsr-3928	133	14	for	for	ADP
fsr-3928	133	15	a	a	DET
fsr-3928	133	16	home	home	NOUN
fsr-3928	133	17	mortgage	mortgage	NOUN
fsr-3928	133	18	loan	loan	NOUN
fsr-3928	133	19	or	or	CCONJ
fsr-3928	133	20	refinanced	refinance	VERB
fsr-3928	133	21	their	their	PRON
fsr-3928	133	22	mortgage	mortgage	NOUN
fsr-3928	133	23	(	(	PUNCT
fsr-3928	133	24	srinivasan	srinivasan	NOUN
fsr-3928	133	25	&	&	CCONJ
fsr-3928	133	26	ratchford	ratchford	PROPN
fsr-3928	133	27	,	,	PUNCT
fsr-3928	133	28	1991	1991	NUM
fsr-3928	133	29	)	)	PUNCT
fsr-3928	133	30	.	.	PUNCT
fsr-3928	134	1	the	the	DET
fsr-3928	134	2	response	response	NOUN
fsr-3928	134	3	to	to	ADP
fsr-3928	134	4	this	this	DET
fsr-3928	134	5	question	question	NOUN
fsr-3928	134	6	was	be	AUX
fsr-3928	134	7	on	on	ADP
fsr-3928	134	8	5	5	NUM
fsr-3928	134	9	-	-	PUNCT
fsr-3928	134	10	level	level	NOUN
fsr-3928	134	11	likert	likert	NOUN
fsr-3928	134	12	-	-	PUNCT
fsr-3928	134	13	type	type	NOUN
fsr-3928	134	14	scale	scale	NOUN
fsr-3928	134	15	,	,	PUNCT
fsr-3928	134	16	ranging	range	VERB
fsr-3928	134	17	from	from	ADP
fsr-3928	134	18	almost	almost	ADV
fsr-3928	134	19	no	no	PRON
fsr-3928	134	20	shopping	shopping	NOUN
fsr-3928	134	21	(	(	PUNCT
fsr-3928	134	22	1	1	NUM
fsr-3928	134	23	)	)	PUNCT
fsr-3928	134	24	to	to	ADP
fsr-3928	134	25	a	a	DET
fsr-3928	134	26	great	great	ADJ
fsr-3928	134	27	deal	deal	NOUN
fsr-3928	134	28	(	(	PUNCT
fsr-3928	134	29	5	5	NUM
fsr-3928	134	30	)	)	PUNCT
fsr-3928	134	31	.	.	PUNCT
fsr-3928	135	1	4.3	4.3	NUM
fsr-3928	135	2	.	.	PUNCT
fsr-3928	135	3	analysis	analysis	NOUN
fsr-3928	135	4	after	after	ADP
fsr-3928	135	5	performing	perform	VERB
fsr-3928	135	6	an	an	DET
fsr-3928	135	7	initial	initial	ADJ
fsr-3928	135	8	descriptive	descriptive	ADJ
fsr-3928	135	9	analysis	analysis	NOUN
fsr-3928	135	10	,	,	PUNCT
fsr-3928	135	11	we	we	PRON
fsr-3928	135	12	began	begin	VERB
fsr-3928	135	13	exploring	explore	VERB
fsr-3928	135	14	interdependencies	interdependency	NOUN
fsr-3928	135	15	among	among	ADP
fsr-3928	135	16	of	of	ADP
fsr-3928	135	17	information	information	NOUN
fsr-3928	135	18	search	search	NOUN
fsr-3928	135	19	activities	activity	NOUN
fsr-3928	135	20	.	.	PUNCT
fsr-3928	136	1	first	first	ADV
fsr-3928	136	2	,	,	PUNCT
fsr-3928	136	3	we	we	PRON
fsr-3928	136	4	examined	examine	VERB
fsr-3928	136	5	the	the	DET
fsr-3928	136	6	interdependencies	interdependency	NOUN
fsr-3928	136	7	among	among	ADP
fsr-3928	136	8	the	the	DET
fsr-3928	136	9	information	information	NOUN
fsr-3928	136	10	sources	source	NOUN
fsr-3928	136	11	consulted	consult	VERB
fsr-3928	136	12	and	and	CCONJ
fsr-3928	136	13	among	among	ADP
fsr-3928	136	14	the	the	DET
fsr-3928	136	15	loan	loan	NOUN
fsr-3928	136	16	terms	term	NOUN
fsr-3928	136	17	and	and	CCONJ
fsr-3928	136	18	features	feature	VERB
fsr-3928	136	19	consumers	consumer	NOUN
fsr-3928	136	20	compared	compare	VERB
fsr-3928	136	21	,	,	PUNCT
fsr-3928	136	22	using	use	VERB
fsr-3928	136	23	log	log	NOUN
fsr-3928	136	24	-	-	PUNCT
fsr-3928	136	25	linear	linear	NOUN
fsr-3928	136	26	models	model	NOUN
fsr-3928	136	27	.	.	PUNCT
fsr-3928	137	1	log	log	NOUN
fsr-3928	137	2	-	-	PUNCT
fsr-3928	137	3	linear	linear	NOUN
fsr-3928	137	4	models	model	NOUN
fsr-3928	137	5	treat	treat	VERB
fsr-3928	137	6	all	all	DET
fsr-3928	137	7	variables	variable	NOUN
fsr-3928	137	8	as	as	ADP
fsr-3928	137	9	response	response	NOUN
fsr-3928	137	10	variables	variable	NOUN
fsr-3928	137	11	and	and	CCONJ
fsr-3928	137	12	are	be	AUX
fsr-3928	137	13	most	most	ADV
fsr-3928	137	14	appropriate	appropriate	ADJ
fsr-3928	137	15	when	when	SCONJ
fsr-3928	137	16	the	the	DET
fsr-3928	137	17	focus	focus	NOUN
fsr-3928	137	18	is	be	AUX
fsr-3928	137	19	on	on	ADP
fsr-3928	137	20	statistical	statistical	ADJ
fsr-3928	137	21	independence/	independence/	NUM
fsr-3928	137	22	dependence	dependence	NOUN
fsr-3928	137	23	among	among	ADP
fsr-3928	137	24	variables	variable	NOUN
fsr-3928	137	25	.	.	PUNCT
fsr-3928	138	1	we	we	PRON
fsr-3928	138	2	performed	perform	VERB
fsr-3928	138	3	log	log	NOUN
fsr-3928	138	4	-	-	PUNCT
fsr-3928	138	5	linear	linear	NOUN
fsr-3928	138	6	model	model	NOUN
fsr-3928	138	7	analysis	analysis	NOUN
fsr-3928	138	8	using	use	VERB
fsr-3928	138	9	the	the	DET
fsr-3928	138	10	sas	sas	PROPN
fsr-3928	138	11	catmod	catmod	PROPN
fsr-3928	138	12	(	(	PUNCT
fsr-3928	138	13	categorical	categorical	ADJ
fsr-3928	138	14	data	datum	NOUN
fsr-3928	138	15	modeling	modeling	NOUN
fsr-3928	138	16	)	)	PUNCT
fsr-3928	138	17	procedure	procedure	NOUN
fsr-3928	138	18	.	.	PUNCT
fsr-3928	139	1	the	the	DET
fsr-3928	139	2	catmod	catmod	ADJ
fsr-3928	139	3	procedure	procedure	NOUN
fsr-3928	139	4	allows	allow	VERB
fsr-3928	139	5	the	the	DET
fsr-3928	139	6	examination	examination	NOUN
fsr-3928	139	7	of	of	ADP
fsr-3928	139	8	interactions	interaction	NOUN
fsr-3928	139	9	,	,	PUNCT
fsr-3928	139	10	and	and	CCONJ
fsr-3928	139	11	the	the	DET
fsr-3928	139	12	likelihood	likelihood	NOUN
fsr-3928	139	13	ratio	ratio	NOUN
fsr-3928	139	14	indicates	indicate	VERB
fsr-3928	139	15	the	the	DET
fsr-3928	139	16	goodness	goodness	NOUN
fsr-3928	139	17	of	of	ADP
fsr-3928	139	18	fit	fit	NOUN
fsr-3928	139	19	of	of	ADP
fsr-3928	139	20	the	the	DET
fsr-3928	139	21	tested	test	VERB
fsr-3928	139	22	model	model	NOUN
fsr-3928	139	23	.	.	PUNCT
fsr-3928	140	1	log	log	NOUN
fsr-3928	140	2	-	-	PUNCT
fsr-3928	140	3	linear	linear	NOUN
fsr-3928	140	4	modeling	modeling	NOUN
fsr-3928	140	5	procedures	procedure	NOUN
fsr-3928	140	6	begin	begin	VERB
fsr-3928	140	7	by	by	ADP
fsr-3928	140	8	estimating	estimate	VERB
fsr-3928	140	9	the	the	DET
fsr-3928	140	10	most	most	ADV
fsr-3928	140	11	complex	complex	ADJ
fsr-3928	140	12	interaction	interaction	NOUN
fsr-3928	140	13	model	model	NOUN
fsr-3928	140	14	that	that	PRON
fsr-3928	140	15	incorporates	incorporate	VERB
fsr-3928	140	16	all	all	DET
fsr-3928	140	17	the	the	DET
fsr-3928	140	18	possible	possible	ADJ
fsr-3928	140	19	interaction	interaction	NOUN
fsr-3928	140	20	terms	term	NOUN
fsr-3928	140	21	and	and	CCONJ
fsr-3928	140	22	then	then	ADV
fsr-3928	140	23	iterating	iterate	VERB
fsr-3928	140	24	to	to	PART
fsr-3928	140	25	find	find	VERB
fsr-3928	140	26	the	the	DET
fsr-3928	140	27	model	model	NOUN
fsr-3928	140	28	with	with	ADP
fsr-3928	140	29	the	the	DET
fsr-3928	140	30	best	good	ADJ
fsr-3928	140	31	fit	fit	NOUN
fsr-3928	140	32	by	by	ADP
fsr-3928	140	33	eliminating	eliminate	VERB
fsr-3928	140	34	insignificant	insignificant	ADJ
fsr-3928	140	35	interaction	interaction	NOUN
fsr-3928	140	36	terms	term	NOUN
fsr-3928	140	37	.	.	PUNCT
fsr-3928	141	1	for	for	ADP
fsr-3928	141	2	the	the	DET
fsr-3928	141	3	information	information	NOUN
fsr-3928	141	4	sources	source	NOUN
fsr-3928	141	5	model	model	VERB
fsr-3928	141	6	,	,	PUNCT
fsr-3928	141	7	we	we	PRON
fsr-3928	141	8	began	begin	VERB
fsr-3928	141	9	by	by	ADP
fsr-3928	141	10	examining	examine	VERB
fsr-3928	141	11	10	10	NUM
fsr-3928	141	12	-	-	PUNCT
fsr-3928	141	13	way	way	NOUN
fsr-3928	141	14	interactions	interaction	NOUN
fsr-3928	141	15	,	,	PUNCT
fsr-3928	141	16	then	then	ADV
fsr-3928	141	17	9	9	NUM
fsr-3928	141	18	-	-	PUNCT
fsr-3928	141	19	way	way	NOUN
fsr-3928	141	20	interactions	interaction	NOUN
fsr-3928	141	21	,	,	PUNCT
fsr-3928	141	22	8	8	NUM
fsr-3928	141	23	-	-	PUNCT
fsr-3928	141	24	way	way	NOUN
fsr-3928	141	25	interactions	interaction	NOUN
fsr-3928	141	26	,	,	PUNCT
fsr-3928	141	27	and	and	CCONJ
fsr-3928	141	28	so	so	ADV
fsr-3928	141	29	forth	forth	ADV
fsr-3928	141	30	.	.	PUNCT
fsr-3928	142	1	for	for	ADP
fsr-3928	142	2	the	the	DET
fsr-3928	142	3	loan	loan	NOUN
fsr-3928	142	4	terms	term	NOUN
fsr-3928	142	5	and	and	CCONJ
fsr-3928	142	6	features	feature	VERB
fsr-3928	142	7	model	model	NOUN
fsr-3928	142	8	,	,	PUNCT
fsr-3928	142	9	we	we	PRON
fsr-3928	142	10	began	begin	VERB
fsr-3928	142	11	by	by	ADP
fsr-3928	142	12	examining	examine	VERB
fsr-3928	142	13	9	9	NUM
fsr-3928	142	14	-	-	PUNCT
fsr-3928	142	15	way	way	NOUN
fsr-3928	142	16	interactions	interaction	NOUN
fsr-3928	142	17	,	,	PUNCT
fsr-3928	142	18	and	and	CCONJ
fsr-3928	142	19	iteratively	iteratively	ADV
fsr-3928	142	20	worked	work	VERB
fsr-3928	142	21	through	through	ADP
fsr-3928	142	22	8	8	NUM
fsr-3928	142	23	-	-	PUNCT
fsr-3928	142	24	way	way	NOUN
fsr-3928	142	25	,	,	PUNCT
fsr-3928	142	26	7	7	NUM
fsr-3928	142	27	-	-	PUNCT
fsr-3928	142	28	way	way	NOUN
fsr-3928	142	29	,	,	PUNCT
fsr-3928	142	30	and	and	CCONJ
fsr-3928	142	31	so	so	ADV
fsr-3928	142	32	forth	forth	ADV
fsr-3928	142	33	.	.	PUNCT
fsr-3928	143	1	finally	finally	ADV
fsr-3928	143	2	,	,	PUNCT
fsr-3928	143	3	interdependencies	interdependency	NOUN
fsr-3928	143	4	among	among	ADP
fsr-3928	143	5	the	the	DET
fsr-3928	143	6	composite	composite	ADJ
fsr-3928	143	7	measures	measure	NOUN
fsr-3928	143	8	(	(	PUNCT
fsr-3928	143	9	number	number	NOUN
fsr-3928	143	10	of	of	ADP
fsr-3928	143	11	lenders	lender	NOUN
fsr-3928	143	12	contacted	contact	VERB
fsr-3928	143	13	,	,	PUNCT
fsr-3928	143	14	number	number	NOUN
fsr-3928	143	15	of	of	ADP
fsr-3928	143	16	sources	source	NOUN
fsr-3928	143	17	consulted	consult	VERB
fsr-3928	143	18	,	,	PUNCT
fsr-3928	143	19	number	number	NOUN
fsr-3928	143	20	of	of	ADP
fsr-3928	143	21	terms	term	NOUN
fsr-3928	143	22	compared	compare	VERB
fsr-3928	143	23	,	,	PUNCT
fsr-3928	143	24	and	and	CCONJ
fsr-3928	143	25	perceived	perceive	VERB
fsr-3928	143	26	extent	extent	NOUN
fsr-3928	143	27	of	of	ADP
fsr-3928	143	28	search	search	NOUN
fsr-3928	143	29	)	)	PUNCT
fsr-3928	143	30	were	be	AUX
fsr-3928	143	31	examined	examine	VERB
fsr-3928	143	32	using	use	VERB
fsr-3928	143	33	correlation	correlation	NOUN
fsr-3928	143	34	analysis	analysis	NOUN
fsr-3928	143	35	.	.	PUNCT
fsr-3928	144	1	284	284	NUM
fsr-3928	144	2	j.m	j.m	PROPN
fsr-3928	144	3	.	.	PROPN
fsr-3928	144	4	hogarth	hogarth	PROPN
fsr-3928	144	5	,	,	PUNCT
fsr-3928	144	6	j.	j.	PROPN
fsr-3928	144	7	lee	lee	PROPN
fsr-3928	144	8	/	/	SYM
fsr-3928	144	9	financial	financial	PROPN
fsr-3928	144	10	services	service	NOUN
fsr-3928	144	11	review	review	VERB
fsr-3928	144	12	9	9	NUM
fsr-3928	144	13	(	(	PUNCT
fsr-3928	144	14	2000	2000	NUM
fsr-3928	144	15	)	)	PUNCT
fsr-3928	144	16	277–293	277–293	NUM
fsr-3928	144	17	5	5	NUM
fsr-3928	144	18	.	.	PUNCT
fsr-3928	144	19	findings	finding	VERB
fsr-3928	144	20	5.1	5.1	NUM
fsr-3928	144	21	.	.	PUNCT
fsr-3928	145	1	information	information	NOUN
fsr-3928	145	2	search	search	NOUN
fsr-3928	145	3	5.1.1	5.1.1	NOUN
fsr-3928	145	4	.	.	PUNCT
fsr-3928	146	1	who	who	PRON
fsr-3928	146	2	do	do	AUX
fsr-3928	146	3	consumers	consumer	NOUN
fsr-3928	146	4	get	get	VERB
fsr-3928	146	5	information	information	NOUN
fsr-3928	146	6	from	from	ADP
fsr-3928	146	7	?	?	PUNCT
fsr-3928	147	1	consumers	consumer	NOUN
fsr-3928	147	2	’	’	PART
fsr-3928	147	3	information	information	NOUN
fsr-3928	147	4	search	search	NOUN
fsr-3928	147	5	behaviors	behavior	NOUN
fsr-3928	147	6	varied	vary	VERB
fsr-3928	147	7	a	a	DET
fsr-3928	147	8	great	great	ADJ
fsr-3928	147	9	deal	deal	NOUN
fsr-3928	147	10	(	(	PUNCT
fsr-3928	147	11	table	table	NOUN
fsr-3928	147	12	2	2	NUM
fsr-3928	147	13	)	)	PUNCT
fsr-3928	147	14	.	.	PUNCT
fsr-3928	148	1	about	about	ADV
fsr-3928	148	2	one	one	NUM
fsr-3928	148	3	-	-	PUNCT
fsr-3928	148	4	fourth	fourth	NOUN
fsr-3928	148	5	(	(	PUNCT
fsr-3928	148	6	23	23	NUM
fsr-3928	148	7	%	%	NOUN
fsr-3928	148	8	)	)	PUNCT
fsr-3928	148	9	of	of	ADP
fsr-3928	148	10	other	other	ADJ
fsr-3928	148	11	mortgage	mortgage	NOUN
fsr-3928	148	12	borrowers	borrower	NOUN
fsr-3928	148	13	contacted	contact	VERB
fsr-3928	148	14	only	only	ADV
fsr-3928	148	15	one	one	NUM
fsr-3928	148	16	lender	lender	NOUN
fsr-3928	148	17	compared	compare	VERB
fsr-3928	148	18	with	with	ADP
fsr-3928	148	19	only	only	ADV
fsr-3928	148	20	one	one	NUM
fsr-3928	148	21	in	in	ADP
fsr-3928	148	22	seven	seven	NUM
fsr-3928	148	23	(	(	PUNCT
fsr-3928	148	24	14	14	NUM
fsr-3928	148	25	%	%	NOUN
fsr-3928	148	26	)	)	PUNCT
fsr-3928	148	27	of	of	ADP
fsr-3928	148	28	refinancers	refinancer	NOUN
fsr-3928	148	29	who	who	PRON
fsr-3928	148	30	contacted	contact	VERB
fsr-3928	148	31	only	only	ADV
fsr-3928	148	32	one	one	NUM
fsr-3928	148	33	lender	lender	NOUN
fsr-3928	148	34	.	.	PUNCT
fsr-3928	149	1	the	the	DET
fsr-3928	149	2	mean	mean	ADJ
fsr-3928	149	3	and	and	CCONJ
fsr-3928	149	4	median	median	ADJ
fsr-3928	149	5	number	number	NOUN
fsr-3928	149	6	of	of	ADP
fsr-3928	149	7	lenders	lender	NOUN
fsr-3928	149	8	compared	compare	VERB
fsr-3928	149	9	were	be	AUX
fsr-3928	149	10	4	4	NUM
fsr-3928	149	11	and	and	CCONJ
fsr-3928	149	12	3	3	NUM
fsr-3928	149	13	,	,	PUNCT
fsr-3928	149	14	respectively	respectively	ADV
fsr-3928	149	15	for	for	ADP
fsr-3928	149	16	all	all	DET
fsr-3928	149	17	mortgage	mortgage	NOUN
fsr-3928	149	18	borrowers	borrower	NOUN
fsr-3928	149	19	;	;	PUNCT
fsr-3928	149	20	there	there	PRON
fsr-3928	149	21	was	be	VERB
fsr-3928	149	22	no	no	DET
fsr-3928	149	23	statistical	statistical	ADJ
fsr-3928	149	24	difference	difference	NOUN
fsr-3928	149	25	between	between	ADP
fsr-3928	149	26	refinancers	refinancer	NOUN
fsr-3928	149	27	and	and	CCONJ
fsr-3928	149	28	other	other	ADJ
fsr-3928	149	29	borrowers	borrower	NOUN
fsr-3928	149	30	with	with	ADP
fsr-3928	149	31	regard	regard	NOUN
fsr-3928	149	32	to	to	ADP
fsr-3928	149	33	number	number	NOUN
fsr-3928	149	34	of	of	ADP
fsr-3928	149	35	lenders	lender	NOUN
fsr-3928	149	36	contacted	contact	VERB
fsr-3928	149	37	(	(	PUNCT
fsr-3928	149	38	p	p	NOUN
fsr-3928	149	39	5	5	NUM
fsr-3928	149	40	0.65	0.65	NUM
fsr-3928	149	41	)	)	PUNCT
fsr-3928	149	42	.	.	PUNCT
fsr-3928	150	1	an	an	DET
fsr-3928	150	2	average	average	ADJ
fsr-3928	150	3	consumer	consumer	NOUN
fsr-3928	150	4	obtained	obtain	VERB
fsr-3928	150	5	information	information	NOUN
fsr-3928	150	6	from	from	ADP
fsr-3928	150	7	two	two	NUM
fsr-3928	150	8	sources	source	NOUN
fsr-3928	150	9	.	.	PUNCT
fsr-3928	151	1	lenders	lender	NOUN
fsr-3928	151	2	,	,	PUNCT
fsr-3928	151	3	specifically	specifically	ADV
fsr-3928	151	4	,	,	PUNCT
fsr-3928	151	5	banks	bank	NOUN
fsr-3928	151	6	,	,	PUNCT
fsr-3928	151	7	savings	saving	NOUN
fsr-3928	151	8	and	and	CCONJ
fsr-3928	151	9	loans	loan	NOUN
fsr-3928	151	10	,	,	PUNCT
fsr-3928	151	11	and	and	CCONJ
fsr-3928	151	12	credit	credit	NOUN
fsr-3928	151	13	unions	union	NOUN
fsr-3928	151	14	,	,	PUNCT
fsr-3928	151	15	were	be	AUX
fsr-3928	151	16	the	the	DET
fsr-3928	151	17	most	most	ADV
fsr-3928	151	18	popular	popular	ADJ
fsr-3928	151	19	sources	source	NOUN
fsr-3928	151	20	for	for	ADP
fsr-3928	151	21	information	information	NOUN
fsr-3928	151	22	.	.	PUNCT
fsr-3928	152	1	while	while	SCONJ
fsr-3928	152	2	there	there	PRON
fsr-3928	152	3	was	be	VERB
fsr-3928	152	4	no	no	DET
fsr-3928	152	5	difference	difference	NOUN
fsr-3928	152	6	between	between	ADP
fsr-3928	152	7	refinancers	refinancer	NOUN
fsr-3928	152	8	and	and	CCONJ
fsr-3928	152	9	other	other	ADJ
fsr-3928	152	10	mortgage	mortgage	NOUN
fsr-3928	152	11	borrowers	borrower	NOUN
fsr-3928	152	12	in	in	ADP
fsr-3928	152	13	terms	term	NOUN
fsr-3928	152	14	of	of	ADP
fsr-3928	152	15	the	the	DET
fsr-3928	152	16	total	total	ADJ
fsr-3928	152	17	number	number	NOUN
fsr-3928	152	18	of	of	ADP
fsr-3928	152	19	information	information	NOUN
fsr-3928	152	20	sources	source	NOUN
fsr-3928	152	21	consulted	consult	VERB
fsr-3928	152	22	(	(	PUNCT
fsr-3928	152	23	p	p	NOUN
fsr-3928	152	24	5	5	NUM
fsr-3928	152	25	0.90	0.90	NUM
fsr-3928	152	26	)	)	PUNCT
fsr-3928	152	27	,	,	PUNCT
fsr-3928	152	28	some	some	DET
fsr-3928	152	29	notable	notable	ADJ
fsr-3928	152	30	differences	difference	NOUN
fsr-3928	152	31	were	be	AUX
fsr-3928	152	32	found	find	VERB
fsr-3928	152	33	with	with	ADP
fsr-3928	152	34	regard	regard	NOUN
fsr-3928	152	35	to	to	ADP
fsr-3928	152	36	the	the	DET
fsr-3928	152	37	use	use	NOUN
fsr-3928	152	38	of	of	ADP
fsr-3928	152	39	specific	specific	ADJ
fsr-3928	152	40	sources	source	NOUN
fsr-3928	152	41	of	of	ADP
fsr-3928	152	42	information	information	NOUN
fsr-3928	152	43	.	.	PUNCT
fsr-3928	153	1	understandably	understandably	ADV
fsr-3928	153	2	,	,	PUNCT
fsr-3928	153	3	larger	large	ADJ
fsr-3928	153	4	proportions	proportion	NOUN
fsr-3928	153	5	of	of	ADP
fsr-3928	153	6	other	other	ADJ
fsr-3928	153	7	mortgage	mortgage	NOUN
fsr-3928	153	8	borrowers	borrower	NOUN
fsr-3928	153	9	(	(	PUNCT
fsr-3928	153	10	vs.	vs.	X
fsr-3928	153	11	refinancers	refinancer	NOUN
fsr-3928	153	12	)	)	PUNCT
fsr-3928	153	13	obtained	obtain	VERB
fsr-3928	153	14	information	information	NOUN
fsr-3928	153	15	from	from	ADP
fsr-3928	153	16	real	real	ADJ
fsr-3928	153	17	estate	estate	NOUN
fsr-3928	153	18	agents	agent	NOUN
fsr-3928	153	19	,	,	PUNCT
fsr-3928	153	20	(	(	PUNCT
fsr-3928	153	21	29	29	NUM
fsr-3928	153	22	%	%	NOUN
fsr-3928	153	23	and	and	CCONJ
fsr-3928	153	24	8	8	NUM
fsr-3928	153	25	%	%	NOUN
fsr-3928	153	26	,	,	PUNCT
fsr-3928	153	27	respectively	respectively	ADV
fsr-3928	153	28	)	)	PUNCT
fsr-3928	153	29	.	.	PUNCT
fsr-3928	154	1	first	first	ADJ
fsr-3928	154	2	-	-	PUNCT
fsr-3928	154	3	time	time	NOUN
fsr-3928	154	4	homebuyers	homebuyer	NOUN
fsr-3928	154	5	and	and	CCONJ
fsr-3928	154	6	purchase	purchase	NOUN
fsr-3928	154	7	-	-	PUNCT
fsr-3928	154	8	money	money	NOUN
fsr-3928	154	9	borrowers	borrower	NOUN
fsr-3928	154	10	(	(	PUNCT
fsr-3928	154	11	included	include	VERB
fsr-3928	154	12	in	in	ADP
fsr-3928	154	13	the	the	DET
fsr-3928	154	14	other	other	ADJ
fsr-3928	154	15	mortgage	mortgage	NOUN
fsr-3928	154	16	borrowers	borrower	NOUN
fsr-3928	154	17	category	category	NOUN
fsr-3928	154	18	)	)	PUNCT
fsr-3928	154	19	often	often	ADV
fsr-3928	154	20	have	have	VERB
fsr-3928	154	21	a	a	DET
fsr-3928	154	22	limited	limited	ADJ
fsr-3928	154	23	time	time	NOUN
fsr-3928	154	24	frame	frame	NOUN
fsr-3928	154	25	(	(	PUNCT
fsr-3928	154	26	usually	usually	ADV
fsr-3928	154	27	two	two	NUM
fsr-3928	154	28	weeks	week	NOUN
fsr-3928	154	29	,	,	PUNCT
fsr-3928	154	30	included	include	VERB
fsr-3928	154	31	in	in	ADP
fsr-3928	154	32	the	the	DET
fsr-3928	154	33	purchase	purchase	NOUN
fsr-3928	154	34	offer	offer	NOUN
fsr-3928	154	35	contract	contract	NOUN
fsr-3928	154	36	)	)	PUNCT
fsr-3928	154	37	in	in	ADP
fsr-3928	154	38	which	which	PRON
fsr-3928	154	39	to	to	PART
fsr-3928	154	40	apply	apply	VERB
fsr-3928	154	41	for	for	ADP
fsr-3928	154	42	mortgage	mortgage	NOUN
fsr-3928	154	43	.	.	PUNCT
fsr-3928	155	1	also	also	ADV
fsr-3928	155	2	,	,	PUNCT
fsr-3928	155	3	homebuyers	homebuyer	NOUN
fsr-3928	155	4	are	be	AUX
fsr-3928	155	5	more	more	ADV
fsr-3928	155	6	likely	likely	ADJ
fsr-3928	155	7	to	to	PART
fsr-3928	155	8	be	be	AUX
fsr-3928	155	9	working	work	VERB
fsr-3928	155	10	with	with	ADP
fsr-3928	155	11	a	a	DET
fsr-3928	155	12	real	real	ADJ
fsr-3928	155	13	estate	estate	NOUN
fsr-3928	155	14	professional	professional	ADJ
fsr-3928	155	15	than	than	ADP
fsr-3928	155	16	a	a	DET
fsr-3928	155	17	homeowner	homeowner	NOUN
fsr-3928	155	18	who	who	PRON
fsr-3928	155	19	is	be	AUX
fsr-3928	155	20	refinancing	refinance	VERB
fsr-3928	155	21	.	.	PUNCT
fsr-3928	156	1	refinancers	refinancer	NOUN
fsr-3928	156	2	were	be	AUX
fsr-3928	156	3	more	more	ADV
fsr-3928	156	4	likely	likely	ADJ
fsr-3928	156	5	to	to	PART
fsr-3928	156	6	look	look	VERB
fsr-3928	156	7	for	for	ADP
fsr-3928	156	8	information	information	NOUN
fsr-3928	156	9	from	from	ADP
fsr-3928	156	10	advertisements	advertisement	NOUN
fsr-3928	156	11	compared	compare	VERB
fsr-3928	156	12	with	with	ADP
fsr-3928	156	13	other	other	ADJ
fsr-3928	156	14	mortgage	mortgage	NOUN
fsr-3928	156	15	borrowers	borrower	NOUN
fsr-3928	156	16	(	(	PUNCT
fsr-3928	156	17	26	26	NUM
fsr-3928	156	18	%	%	NOUN
fsr-3928	156	19	vs.	vs.	ADP
fsr-3928	156	20	13	13	NUM
fsr-3928	156	21	%	%	NOUN
fsr-3928	156	22	,	,	PUNCT
fsr-3928	156	23	respectively	respectively	ADV
fsr-3928	156	24	)	)	PUNCT
fsr-3928	156	25	.	.	PUNCT
fsr-3928	157	1	5.1.2	5.1.2	X
fsr-3928	157	2	.	.	X
fsr-3928	158	1	what	what	DET
fsr-3928	158	2	terms	term	NOUN
fsr-3928	158	3	and	and	CCONJ
fsr-3928	158	4	features	feature	NOUN
fsr-3928	158	5	do	do	VERB
fsr-3928	158	6	consumers	consumer	NOUN
fsr-3928	158	7	search	search	VERB
fsr-3928	158	8	for	for	ADP
fsr-3928	158	9	?	?	PUNCT
fsr-3928	159	1	a	a	DET
fsr-3928	159	2	greater	great	ADJ
fsr-3928	159	3	proportion	proportion	NOUN
fsr-3928	159	4	of	of	ADP
fsr-3928	159	5	refinancers	refinancer	NOUN
fsr-3928	159	6	reported	report	VERB
fsr-3928	159	7	examining	examine	VERB
fsr-3928	159	8	a	a	DET
fsr-3928	159	9	wider	wide	ADJ
fsr-3928	159	10	range	range	NOUN
fsr-3928	159	11	of	of	ADP
fsr-3928	159	12	terms	term	NOUN
fsr-3928	159	13	compared	compare	VERB
fsr-3928	159	14	with	with	ADP
fsr-3928	159	15	other	other	ADJ
fsr-3928	159	16	mortgage	mortgage	NOUN
fsr-3928	159	17	borrowers	borrower	NOUN
fsr-3928	159	18	,	,	PUNCT
fsr-3928	159	19	although	although	SCONJ
fsr-3928	159	20	these	these	DET
fsr-3928	159	21	differences	difference	NOUN
fsr-3928	159	22	were	be	AUX
fsr-3928	159	23	not	not	PART
fsr-3928	159	24	statistically	statistically	ADV
fsr-3928	159	25	significant	significant	ADJ
fsr-3928	159	26	.	.	PUNCT
fsr-3928	160	1	most	most	ADJ
fsr-3928	160	2	consumers	consumer	NOUN
fsr-3928	160	3	(	(	PUNCT
fsr-3928	160	4	78	78	NUM
fsr-3928	160	5	%	%	NOUN
fsr-3928	160	6	)	)	PUNCT
fsr-3928	160	7	compared	compare	VERB
fsr-3928	160	8	some	some	DET
fsr-3928	160	9	aspect	aspect	NOUN
fsr-3928	160	10	of	of	ADP
fsr-3928	160	11	interest	interest	NOUN
fsr-3928	160	12	rates	rate	NOUN
fsr-3928	160	13	(	(	PUNCT
fsr-3928	160	14	i.e.	i.e.	X
fsr-3928	160	15	,	,	PUNCT
fsr-3928	160	16	interest	interest	NOUN
fsr-3928	160	17	rate	rate	NOUN
fsr-3928	160	18	or	or	CCONJ
fsr-3928	160	19	apr	apr	NOUN
fsr-3928	160	20	)	)	PUNCT
fsr-3928	160	21	,	,	PUNCT
fsr-3928	160	22	type	type	NOUN
fsr-3928	160	23	of	of	ADP
fsr-3928	160	24	loan	loan	NOUN
fsr-3928	160	25	(	(	PUNCT
fsr-3928	160	26	i.e.	i.e.	X
fsr-3928	160	27	,	,	PUNCT
fsr-3928	160	28	fixed	fixed	ADJ
fsr-3928	160	29	or	or	CCONJ
fsr-3928	160	30	variable	variable	ADJ
fsr-3928	160	31	rate	rate	NOUN
fsr-3928	160	32	;	;	PUNCT
fsr-3928	160	33	76	76	NUM
fsr-3928	160	34	%	%	NOUN
fsr-3928	160	35	)	)	PUNCT
fsr-3928	160	36	,	,	PUNCT
fsr-3928	160	37	and	and	CCONJ
fsr-3928	160	38	fees	fee	NOUN
fsr-3928	160	39	(	(	PUNCT
fsr-3928	160	40	i.e.	i.e.	X
fsr-3928	160	41	,	,	PUNCT
fsr-3928	160	42	points	point	NOUN
fsr-3928	160	43	or	or	CCONJ
fsr-3928	160	44	origination	origination	NOUN
fsr-3928	160	45	fees	fee	NOUN
fsr-3928	160	46	,	,	PUNCT
fsr-3928	160	47	application	application	NOUN
fsr-3928	160	48	fees	fee	NOUN
fsr-3928	160	49	,	,	PUNCT
fsr-3928	160	50	mortgage	mortgage	NOUN
fsr-3928	160	51	broker	broker	NOUN
fsr-3928	160	52	fees	fee	NOUN
fsr-3928	160	53	;	;	PUNCT
fsr-3928	160	54	ranging	range	VERB
fsr-3928	160	55	from	from	ADP
fsr-3928	160	56	54	54	NUM
fsr-3928	160	57	%	%	NOUN
fsr-3928	160	58	to	to	PART
fsr-3928	160	59	65	65	NUM
fsr-3928	160	60	%	%	NOUN
fsr-3928	160	61	)	)	PUNCT
fsr-3928	160	62	.	.	PUNCT
fsr-3928	161	1	only	only	ADV
fsr-3928	161	2	a	a	DET
fsr-3928	161	3	quarter	quarter	NOUN
fsr-3928	161	4	of	of	ADP
fsr-3928	161	5	mortgage	mortgage	NOUN
fsr-3928	161	6	borrowers	borrower	NOUN
fsr-3928	161	7	compared	compare	VERB
fsr-3928	161	8	optional	optional	ADJ
fsr-3928	161	9	credit	credit	NOUN
fsr-3928	161	10	life	life	NOUN
fsr-3928	161	11	insurance	insurance	NOUN
fsr-3928	161	12	and	and	CCONJ
fsr-3928	161	13	other	other	ADJ
fsr-3928	161	14	fees	fee	NOUN
fsr-3928	161	15	,	,	PUNCT
fsr-3928	161	16	such	such	ADJ
fsr-3928	161	17	as	as	ADP
fsr-3928	161	18	late	late	ADJ
fsr-3928	161	19	payment	payment	NOUN
fsr-3928	161	20	fees	fee	NOUN
fsr-3928	161	21	.	.	PUNCT
fsr-3928	162	1	the	the	DET
fsr-3928	162	2	mean	mean	ADJ
fsr-3928	162	3	and	and	CCONJ
fsr-3928	162	4	median	median	ADJ
fsr-3928	162	5	numbers	number	NOUN
fsr-3928	162	6	of	of	ADP
fsr-3928	162	7	terms	term	NOUN
fsr-3928	162	8	considered	consider	VERB
fsr-3928	162	9	were	be	AUX
fsr-3928	162	10	5.9	5.9	NUM
fsr-3928	162	11	and	and	CCONJ
fsr-3928	162	12	6	6	NUM
fsr-3928	162	13	,	,	PUNCT
fsr-3928	162	14	respectively	respectively	ADV
fsr-3928	162	15	.	.	PUNCT
fsr-3928	163	1	5.1.3	5.1.3	NUM
fsr-3928	163	2	.	.	PUNCT
fsr-3928	163	3	how	how	SCONJ
fsr-3928	163	4	much	much	ADJ
fsr-3928	163	5	information	information	NOUN
fsr-3928	163	6	do	do	AUX
fsr-3928	163	7	consumers	consumer	NOUN
fsr-3928	163	8	seek	seek	VERB
fsr-3928	163	9	out	out	ADP
fsr-3928	163	10	?	?	PUNCT
fsr-3928	164	1	two	two	NUM
fsr-3928	164	2	-	-	PUNCT
fsr-3928	164	3	fifths	fifth	NOUN
fsr-3928	164	4	(	(	PUNCT
fsr-3928	164	5	40	40	NUM
fsr-3928	164	6	%	%	NOUN
fsr-3928	164	7	)	)	PUNCT
fsr-3928	164	8	claimed	claim	VERB
fsr-3928	164	9	to	to	PART
fsr-3928	164	10	do	do	VERB
fsr-3928	164	11	almost	almost	ADV
fsr-3928	164	12	no	no	DET
fsr-3928	164	13	searching	searching	NOUN
fsr-3928	164	14	or	or	CCONJ
fsr-3928	164	15	only	only	ADV
fsr-3928	164	16	a	a	DET
fsr-3928	164	17	little	little	ADJ
fsr-3928	164	18	searching	searching	NOUN
fsr-3928	164	19	;	;	PUNCT
fsr-3928	164	20	about	about	ADV
fsr-3928	164	21	one	one	NUM
fsr-3928	164	22	-	-	PUNCT
fsr-3928	164	23	third	third	NOUN
fsr-3928	164	24	(	(	PUNCT
fsr-3928	164	25	32	32	NUM
fsr-3928	164	26	%	%	NOUN
fsr-3928	164	27	)	)	PUNCT
fsr-3928	164	28	reported	report	VERB
fsr-3928	164	29	doing	do	VERB
fsr-3928	164	30	a	a	DET
fsr-3928	164	31	moderate	moderate	ADJ
fsr-3928	164	32	amount	amount	NOUN
fsr-3928	164	33	of	of	ADP
fsr-3928	164	34	search	search	NOUN
fsr-3928	164	35	and	and	CCONJ
fsr-3928	164	36	over	over	ADP
fsr-3928	164	37	one	one	NUM
fsr-3928	164	38	-	-	PUNCT
fsr-3928	164	39	fourth	fourth	NOUN
fsr-3928	164	40	(	(	PUNCT
fsr-3928	164	41	28	28	NUM
fsr-3928	164	42	%	%	NOUN
fsr-3928	164	43	)	)	PUNCT
fsr-3928	164	44	claimed	claim	VERB
fsr-3928	164	45	to	to	PART
fsr-3928	164	46	do	do	VERB
fsr-3928	164	47	a	a	DET
fsr-3928	164	48	lot	lot	NOUN
fsr-3928	164	49	or	or	CCONJ
fsr-3928	164	50	a	a	DET
fsr-3928	164	51	great	great	ADJ
fsr-3928	164	52	deal	deal	NOUN
fsr-3928	164	53	of	of	ADP
fsr-3928	164	54	searching	search	VERB
fsr-3928	164	55	.	.	PUNCT
fsr-3928	165	1	recall	recall	VERB
fsr-3928	165	2	that	that	SCONJ
fsr-3928	165	3	the	the	DET
fsr-3928	165	4	median	median	ADJ
fsr-3928	165	5	number	number	NOUN
fsr-3928	165	6	of	of	ADP
fsr-3928	165	7	loans	loan	NOUN
fsr-3928	165	8	compared	compare	VERB
fsr-3928	165	9	was	be	AUX
fsr-3928	165	10	3	3	NUM
fsr-3928	165	11	and	and	CCONJ
fsr-3928	165	12	the	the	DET
fsr-3928	165	13	median	median	ADJ
fsr-3928	165	14	number	number	NOUN
fsr-3928	165	15	of	of	ADP
fsr-3928	165	16	terms	term	NOUN
fsr-3928	165	17	and	and	CCONJ
fsr-3928	165	18	features	feature	NOUN
fsr-3928	165	19	considered	consider	VERB
fsr-3928	165	20	was	be	AUX
fsr-3928	165	21	6	6	NUM
fsr-3928	165	22	.	.	PUNCT
fsr-3928	166	1	it	it	PRON
fsr-3928	166	2	is	be	AUX
fsr-3928	166	3	evident	evident	ADJ
fsr-3928	166	4	that	that	SCONJ
fsr-3928	166	5	consumers	consumer	NOUN
fsr-3928	166	6	consider	consider	VERB
fsr-3928	166	7	this	this	PRON
fsr-3928	166	8	a	a	DET
fsr-3928	166	9	“	"	PUNCT
fsr-3928	166	10	little	little	ADJ
fsr-3928	166	11	”	"	PUNCT
fsr-3928	166	12	or	or	CCONJ
fsr-3928	166	13	a	a	DET
fsr-3928	166	14	“	"	PUNCT
fsr-3928	166	15	moderate	moderate	ADJ
fsr-3928	166	16	”	"	PUNCT
fsr-3928	166	17	amount	amount	NOUN
fsr-3928	166	18	of	of	ADP
fsr-3928	166	19	search	search	NOUN
fsr-3928	166	20	,	,	PUNCT
fsr-3928	166	21	but	but	CCONJ
fsr-3928	166	22	at	at	ADP
fsr-3928	166	23	the	the	DET
fsr-3928	166	24	median	median	NOUN
fsr-3928	166	25	this	this	PRON
fsr-3928	166	26	requires	require	VERB
fsr-3928	166	27	consumers	consumer	NOUN
fsr-3928	166	28	to	to	PART
fsr-3928	166	29	process	process	VERB
fsr-3928	166	30	18	18	NUM
fsr-3928	166	31	pieces	piece	NOUN
fsr-3928	166	32	of	of	ADP
fsr-3928	166	33	information	information	NOUN
fsr-3928	166	34	(	(	PUNCT
fsr-3928	166	35	6	6	NUM
fsr-3928	166	36	features	feature	NOUN
fsr-3928	166	37	on	on	ADP
fsr-3928	166	38	3	3	NUM
fsr-3928	166	39	loans	loan	NOUN
fsr-3928	166	40	)	)	PUNCT
fsr-3928	166	41	.	.	PUNCT
fsr-3928	167	1	285j.m	285j.m	X
fsr-3928	167	2	.	.	X
fsr-3928	167	3	hogarth	hogarth	NOUN
fsr-3928	167	4	,	,	PUNCT
fsr-3928	167	5	j.	j.	PROPN
fsr-3928	167	6	lee	lee	PROPN
fsr-3928	167	7	/	/	SYM
fsr-3928	167	8	financial	financial	PROPN
fsr-3928	167	9	services	service	NOUN
fsr-3928	167	10	review	review	VERB
fsr-3928	167	11	9	9	NUM
fsr-3928	167	12	(	(	PUNCT
fsr-3928	167	13	2000	2000	NUM
fsr-3928	167	14	)	)	PUNCT
fsr-3928	168	1	277–293	277–293	NUM
fsr-3928	168	2	5.2	5.2	NUM
fsr-3928	168	3	.	.	PUNCT
fsr-3928	169	1	interdependency	interdependency	NOUN
fsr-3928	169	2	of	of	ADP
fsr-3928	169	3	information	information	NOUN
fsr-3928	169	4	search	search	NOUN
fsr-3928	169	5	—	—	PUNCT
fsr-3928	169	6	what	what	PRON
fsr-3928	169	7	else	else	ADV
fsr-3928	169	8	do	do	AUX
fsr-3928	169	9	consumers	consumer	NOUN
fsr-3928	169	10	search	search	VERB
fsr-3928	169	11	for	for	ADP
fsr-3928	169	12	?	?	PUNCT
fsr-3928	170	1	5.2.1	5.2.1	X
fsr-3928	170	2	.	.	PUNCT
fsr-3928	170	3	information	information	NOUN
fsr-3928	170	4	sources	source	NOUN
fsr-3928	170	5	used	use	VERB
fsr-3928	170	6	using	use	VERB
fsr-3928	170	7	a	a	DET
fsr-3928	170	8	log	log	NOUN
fsr-3928	170	9	-	-	PUNCT
fsr-3928	170	10	linear	linear	NOUN
fsr-3928	170	11	model	model	NOUN
fsr-3928	170	12	,	,	PUNCT
fsr-3928	170	13	we	we	PRON
fsr-3928	170	14	examined	examine	VERB
fsr-3928	170	15	whether	whether	SCONJ
fsr-3928	170	16	obtaining	obtain	VERB
fsr-3928	170	17	information	information	NOUN
fsr-3928	170	18	from	from	ADP
fsr-3928	170	19	one	one	NUM
fsr-3928	170	20	particular	particular	ADJ
fsr-3928	170	21	source	source	NOUN
fsr-3928	170	22	was	be	AUX
fsr-3928	170	23	associated	associate	VERB
fsr-3928	170	24	with	with	ADP
fsr-3928	170	25	obtaining	obtain	VERB
fsr-3928	170	26	information	information	NOUN
fsr-3928	170	27	from	from	ADP
fsr-3928	170	28	another	another	DET
fsr-3928	170	29	source	source	NOUN
fsr-3928	170	30	;	;	PUNCT
fsr-3928	170	31	results	result	NOUN
fsr-3928	170	32	are	be	AUX
fsr-3928	170	33	presented	present	VERB
fsr-3928	170	34	table	table	NOUN
fsr-3928	170	35	2	2	NUM
fsr-3928	170	36	information	information	NOUN
fsr-3928	170	37	searched	search	VERB
fsr-3928	170	38	other	other	ADJ
fsr-3928	170	39	mortgage	mortgage	NOUN
fsr-3928	170	40	borrowers	borrower	NOUN
fsr-3928	170	41	refinancers	refinancer	NOUN
fsr-3928	170	42	all	all	DET
fsr-3928	170	43	mortgage	mortgage	NOUN
fsr-3928	170	44	borrowers	borrower	NOUN
fsr-3928	170	45	number	number	NOUN
fsr-3928	170	46	of	of	ADP
fsr-3928	170	47	lenders	lender	NOUN
fsr-3928	170	48	contacted	contact	VERB
fsr-3928	170	49	1	1	NUM
fsr-3928	170	50	22.8	22.8	NUM
fsr-3928	170	51	%	%	NOUN
fsr-3928	170	52	13.8	13.8	NUM
fsr-3928	170	53	%	%	NOUN
fsr-3928	170	54	19.2	19.2	NUM
fsr-3928	170	55	%	%	NOUN
fsr-3928	170	56	2–3	2–3	NUM
fsr-3928	170	57	32.3	32.3	NUM
fsr-3928	170	58	%	%	NOUN
fsr-3928	170	59	44.8	44.8	NUM
fsr-3928	170	60	%	%	NOUN
fsr-3928	170	61	37.4	37.4	NUM
fsr-3928	170	62	%	%	NOUN
fsr-3928	170	63	4–5	4–5	NOUN
fsr-3928	170	64	27.5	27.5	NUM
fsr-3928	170	65	%	%	NOUN
fsr-3928	170	66	20.7	20.7	NUM
fsr-3928	170	67	%	%	NOUN
fsr-3928	170	68	24.8	24.8	NUM
fsr-3928	170	69	%	%	NOUN
fsr-3928	171	1	6–9	6–9	NUM
fsr-3928	171	2	12.6	12.6	NUM
fsr-3928	171	3	%	%	NOUN
fsr-3928	171	4	13.8	13.8	NUM
fsr-3928	171	5	%	%	NOUN
fsr-3928	171	6	13.1	13.1	NUM
fsr-3928	171	7	%	%	NOUN
fsr-3928	171	8	10–20	10–20	NUM
fsr-3928	171	9	4.7	4.7	NUM
fsr-3928	171	10	%	%	NOUN
fsr-3928	171	11	6.9	6.9	NUM
fsr-3928	171	12	%	%	NOUN
fsr-3928	171	13	5.6	5.6	NUM
fsr-3928	171	14	%	%	NOUN
fsr-3928	171	15	mean	mean	NOUN
fsr-3928	171	16	3.95	3.95	NUM
fsr-3928	171	17	4.15	4.15	NUM
fsr-3928	171	18	4.03	4.03	NUM
fsr-3928	171	19	median	median	NOUN
fsr-3928	171	20	3	3	NUM
fsr-3928	171	21	3	3	NUM
fsr-3928	171	22	3	3	NUM
fsr-3928	171	23	source	source	NOUN
fsr-3928	171	24	of	of	ADP
fsr-3928	171	25	information	information	NOUN
fsr-3928	171	26	obtained	obtain	VERB
fsr-3928	171	27	info	info	NOUN
fsr-3928	171	28	from	from	ADP
fsr-3928	171	29	(	(	PUNCT
fsr-3928	171	30	multiple	multiple	ADJ
fsr-3928	171	31	responses	response	NOUN
fsr-3928	171	32	allowed	allow	VERB
fsr-3928	171	33	)	)	PUNCT
fsr-3928	171	34	banks	bank	NOUN
fsr-3928	171	35	,	,	PUNCT
fsr-3928	171	36	s&ls	s&ls	PROPN
fsr-3928	171	37	,	,	PUNCT
fsr-3928	171	38	credit	credit	NOUN
fsr-3928	171	39	unions	union	NOUN
fsr-3928	171	40	56.1	56.1	NUM
fsr-3928	171	41	%	%	NOUN
fsr-3928	171	42	63.6	63.6	NUM
fsr-3928	171	43	%	%	NOUN
fsr-3928	171	44	59.2	59.2	NUM
fsr-3928	171	45	%	%	NOUN
fsr-3928	171	46	mortgage	mortgage	NOUN
fsr-3928	171	47	company	company	NOUN
fsr-3928	171	48	34.6	34.6	NUM
fsr-3928	171	49	%	%	NOUN
fsr-3928	171	50	42.1	42.1	NUM
fsr-3928	171	51	%	%	NOUN
fsr-3928	171	52	37.6	37.6	NUM
fsr-3928	171	53	%	%	NOUN
fsr-3928	171	54	other	other	ADJ
fsr-3928	171	55	financial	financial	ADJ
fsr-3928	171	56	institution	institution	NOUN
fsr-3928	171	57	6.9	6.9	NUM
fsr-3928	171	58	%	%	NOUN
fsr-3928	171	59	10.2	10.2	NUM
fsr-3928	171	60	%	%	NOUN
fsr-3928	171	61	8.3	8.3	NUM
fsr-3928	171	62	%	%	NOUN
fsr-3928	171	63	real	real	ADJ
fsr-3928	171	64	estate	estate	NOUN
fsr-3928	171	65	agent	agent	NOUN
fsr-3928	171	66	*	*	PUNCT
fsr-3928	171	67	*	*	PUNCT
fsr-3928	171	68	*	*	PUNCT
fsr-3928	171	69	29.3	29.3	NUM
fsr-3928	171	70	%	%	NOUN
fsr-3928	171	71	8.0	8.0	NUM
fsr-3928	171	72	%	%	NOUN
fsr-3928	171	73	20.6	20.6	NUM
fsr-3928	171	74	%	%	NOUN
fsr-3928	171	75	advertisements––television	advertisements––television	PROPN
fsr-3928	171	76	&	&	CCONJ
fsr-3928	171	77	newspapers	newspaper	NOUN
fsr-3928	171	78	*	*	PUNCT
fsr-3928	171	79	*	*	PUNCT
fsr-3928	171	80	13.1	13.1	NUM
fsr-3928	171	81	%	%	NOUN
fsr-3928	171	82	26.1	26.1	NUM
fsr-3928	171	83	%	%	NOUN
fsr-3928	171	84	18.4	18.4	NUM
fsr-3928	171	85	%	%	NOUN
fsr-3928	171	86	comparative	comparative	ADJ
fsr-3928	171	87	ratings	rating	NOUN
fsr-3928	171	88	—	—	PUNCT
fsr-3928	171	89	newspapers	newspaper	NOUN
fsr-3928	171	90	,	,	PUNCT
fsr-3928	171	91	magazines	magazine	NOUN
fsr-3928	171	92	,	,	PUNCT
fsr-3928	171	93	or	or	CCONJ
fsr-3928	171	94	internet	internet	NOUN
fsr-3928	171	95	22.3	22.3	NUM
fsr-3928	171	96	%	%	NOUN
fsr-3928	171	97	18.2	18.2	NUM
fsr-3928	171	98	%	%	NOUN
fsr-3928	171	99	20.6	20.6	NUM
fsr-3928	171	100	%	%	NOUN
fsr-3928	171	101	friends	friend	NOUN
fsr-3928	171	102	or	or	CCONJ
fsr-3928	171	103	relatives	relative	NOUN
fsr-3928	171	104	30.8	30.8	NUM
fsr-3928	171	105	%	%	NOUN
fsr-3928	171	106	23.9	23.9	NUM
fsr-3928	171	107	%	%	NOUN
fsr-3928	171	108	28.0	28.0	NUM
fsr-3928	171	109	%	%	NOUN
fsr-3928	171	110	total	total	ADJ
fsr-3928	171	111	number	number	NOUN
fsr-3928	171	112	of	of	ADP
fsr-3928	171	113	sources	source	NOUN
fsr-3928	171	114	considered	consider	VERB
fsr-3928	171	115	mean	mean	VERB
fsr-3928	171	116	1.95	1.95	NUM
fsr-3928	171	117	1.92	1.92	NUM
fsr-3928	171	118	1.94	1.94	NUM
fsr-3928	171	119	median	median	NOUN
fsr-3928	171	120	2	2	NUM
fsr-3928	171	121	2	2	NUM
fsr-3928	171	122	2	2	NUM
fsr-3928	171	123	specific	specific	ADJ
fsr-3928	171	124	terms	term	NOUN
fsr-3928	171	125	compared	compare	VERB
fsr-3928	171	126	(	(	PUNCT
fsr-3928	171	127	multiple	multiple	ADJ
fsr-3928	171	128	responses	response	NOUN
fsr-3928	171	129	allowed	allow	VERB
fsr-3928	171	130	)	)	PUNCT
fsr-3928	171	131	interest	interest	NOUN
fsr-3928	171	132	rate	rate	NOUN
fsr-3928	171	133	78.9	78.9	NUM
fsr-3928	171	134	%	%	NOUN
fsr-3928	171	135	85.2	85.2	NUM
fsr-3928	171	136	%	%	NOUN
fsr-3928	171	137	78.4	78.4	NUM
fsr-3928	171	138	%	%	NOUN
fsr-3928	171	139	fixed	fix	VERB
fsr-3928	171	140	or	or	CCONJ
fsr-3928	171	141	variable	variable	ADJ
fsr-3928	171	142	interest	interest	NOUN
fsr-3928	171	143	rate	rate	NOUN
fsr-3928	171	144	72.9	72.9	NUM
fsr-3928	171	145	%	%	NOUN
fsr-3928	171	146	81.6	81.6	NUM
fsr-3928	171	147	%	%	NOUN
fsr-3928	171	148	76.4	76.4	NUM
fsr-3928	171	149	%	%	NOUN
fsr-3928	171	150	points	point	NOUN
fsr-3928	171	151	or	or	CCONJ
fsr-3928	171	152	origination	origination	NOUN
fsr-3928	171	153	fees	fee	NOUN
fsr-3928	171	154	62.3	62.3	NUM
fsr-3928	171	155	%	%	NOUN
fsr-3928	171	156	70.1	70.1	NUM
fsr-3928	171	157	%	%	NOUN
fsr-3928	171	158	65.4	65.4	NUM
fsr-3928	171	159	%	%	NOUN
fsr-3928	171	160	mortgage	mortgage	NOUN
fsr-3928	171	161	broker	broker	NOUN
fsr-3928	171	162	fees	fee	NOUN
fsr-3928	171	163	52.8	52.8	NUM
fsr-3928	171	164	%	%	NOUN
fsr-3928	171	165	56.8	56.8	NUM
fsr-3928	171	166	%	%	NOUN
fsr-3928	171	167	54.4	54.4	NUM
fsr-3928	171	168	%	%	NOUN
fsr-3928	171	169	application	application	NOUN
fsr-3928	171	170	fees	fee	NOUN
fsr-3928	171	171	60.5	60.5	NUM
fsr-3928	171	172	%	%	NOUN
fsr-3928	171	173	60.2	60.2	NUM
fsr-3928	171	174	%	%	NOUN
fsr-3928	171	175	60.4	60.4	NUM
fsr-3928	171	176	%	%	NOUN
fsr-3928	171	177	apr	apr	NOUN
fsr-3928	171	178	68.2	68.2	NUM
fsr-3928	171	179	%	%	NOUN
fsr-3928	171	180	78.2	78.2	NUM
fsr-3928	171	181	%	%	NOUN
fsr-3928	172	1	72.2	72.2	NUM
fsr-3928	172	2	%	%	NOUN
fsr-3928	172	3	monthly	monthly	ADJ
fsr-3928	172	4	payment	payment	NOUN
fsr-3928	172	5	amounts	amount	VERB
fsr-3928	172	6	64.3	64.3	NUM
fsr-3928	172	7	%	%	NOUN
fsr-3928	172	8	76.1	76.1	NUM
fsr-3928	172	9	%	%	NOUN
fsr-3928	172	10	69.1	69.1	NUM
fsr-3928	172	11	%	%	NOUN
fsr-3928	172	12	optional	optional	ADJ
fsr-3928	172	13	credit	credit	NOUN
fsr-3928	172	14	life	life	NOUN
fsr-3928	172	15	insurance	insurance	NOUN
fsr-3928	172	16	24.6	24.6	NUM
fsr-3928	172	17	%	%	NOUN
fsr-3928	172	18	25.0	25.0	NUM
fsr-3928	172	19	%	%	NOUN
fsr-3928	172	20	24.8	24.8	NUM
fsr-3928	172	21	%	%	NOUN
fsr-3928	172	22	other	other	ADJ
fsr-3928	172	23	fees	fee	NOUN
fsr-3928	172	24	,	,	PUNCT
fsr-3928	172	25	such	such	ADJ
fsr-3928	172	26	as	as	ADP
fsr-3928	172	27	late	late	ADJ
fsr-3928	172	28	payment	payment	NOUN
fsr-3928	172	29	fees	fee	NOUN
fsr-3928	172	30	24.6	24.6	NUM
fsr-3928	172	31	%	%	NOUN
fsr-3928	172	32	28.4	28.4	NUM
fsr-3928	172	33	%	%	NOUN
fsr-3928	172	34	26.2	26.2	NUM
fsr-3928	172	35	%	%	NOUN
fsr-3928	172	36	total	total	ADJ
fsr-3928	172	37	number	number	NOUN
fsr-3928	172	38	of	of	ADP
fsr-3928	172	39	terms	term	NOUN
fsr-3928	172	40	considered	consider	VERB
fsr-3928	172	41	mean	mean	VERB
fsr-3928	172	42	5.39	5.39	NUM
fsr-3928	172	43	5.59	5.59	NUM
fsr-3928	172	44	5.94	5.94	NUM
fsr-3928	172	45	median	median	NOUN
fsr-3928	172	46	7	7	NUM
fsr-3928	172	47	6	6	NUM
fsr-3928	172	48	6	6	NUM
fsr-3928	172	49	overall	overall	ADJ
fsr-3928	172	50	extent	extent	NOUN
fsr-3928	172	51	of	of	ADP
fsr-3928	172	52	search	search	NOUN
fsr-3928	172	53	almost	almost	ADV
fsr-3928	172	54	no	no	DET
fsr-3928	172	55	23.4	23.4	NUM
fsr-3928	172	56	%	%	NOUN
fsr-3928	172	57	14.8	14.8	NUM
fsr-3928	172	58	%	%	NOUN
fsr-3928	172	59	19.9	19.9	NUM
fsr-3928	172	60	%	%	NOUN
fsr-3928	172	61	a	a	DET
fsr-3928	172	62	little	little	ADJ
fsr-3928	172	63	19.5	19.5	NUM
fsr-3928	172	64	%	%	NOUN
fsr-3928	172	65	21.6	21.6	NUM
fsr-3928	172	66	%	%	NOUN
fsr-3928	172	67	20.4	20.4	NUM
fsr-3928	172	68	%	%	NOUN
fsr-3928	172	69	moderate	moderate	ADJ
fsr-3928	172	70	29.7	29.7	NUM
fsr-3928	172	71	%	%	NOUN
fsr-3928	172	72	35.2	35.2	NUM
fsr-3928	172	73	%	%	NOUN
fsr-3928	172	74	31.9	31.9	NUM
fsr-3928	172	75	%	%	NOUN
fsr-3928	172	76	a	a	DET
fsr-3928	172	77	lot	lot	NOUN
fsr-3928	172	78	14.1	14.1	NUM
fsr-3928	172	79	%	%	NOUN
fsr-3928	172	80	15.9	15.9	NUM
fsr-3928	172	81	%	%	NOUN
fsr-3928	172	82	14.8	14.8	NUM
fsr-3928	172	83	%	%	NOUN
fsr-3928	172	84	great	great	ADJ
fsr-3928	172	85	deal	deal	NOUN
fsr-3928	172	86	13.3	13.3	NUM
fsr-3928	172	87	%	%	NOUN
fsr-3928	172	88	12.5	12.5	NUM
fsr-3928	172	89	%	%	NOUN
fsr-3928	172	90	13.0	13.0	NUM
fsr-3928	172	91	%	%	NOUN
fsr-3928	172	92	total	total	NOUN
fsr-3928	172	93	131	131	NUM
fsr-3928	172	94	88	88	NUM
fsr-3928	172	95	219	219	NUM
fsr-3928	172	96	note	note	NOUN
fsr-3928	172	97	.	.	PUNCT
fsr-3928	173	1	chi	chi	ADJ
fsr-3928	173	2	-	-	PUNCT
fsr-3928	173	3	square	square	ADJ
fsr-3928	173	4	statistics	statistic	NOUN
fsr-3928	173	5	are	be	AUX
fsr-3928	173	6	significant	significant	ADJ
fsr-3928	173	7	at	at	ADP
fsr-3928	173	8	:	:	PUNCT
fsr-3928	173	9	*	*	PUNCT
fsr-3928	173	10	*	*	PUNCT
fsr-3928	173	11	p	p	NOUN
fsr-3928	173	12	-	-	PUNCT
fsr-3928	173	13	value	value	NOUN
fsr-3928	173	14	,	,	PUNCT
fsr-3928	173	15	0.01	0.01	NUM
fsr-3928	173	16	,	,	PUNCT
fsr-3928	173	17	*	*	PUNCT
fsr-3928	173	18	*	*	PUNCT
fsr-3928	173	19	*	*	PUNCT
fsr-3928	173	20	p	p	NOUN
fsr-3928	173	21	-	-	PUNCT
fsr-3928	173	22	value	value	NOUN
fsr-3928	173	23	,	,	PUNCT
fsr-3928	173	24	0.001	0.001	NUM
fsr-3928	173	25	.	.	PUNCT
fsr-3928	174	1	286	286	NUM
fsr-3928	174	2	j.m	j.m	PROPN
fsr-3928	174	3	.	.	PROPN
fsr-3928	174	4	hogarth	hogarth	PROPN
fsr-3928	174	5	,	,	PUNCT
fsr-3928	174	6	j.	j.	PROPN
fsr-3928	174	7	lee	lee	PROPN
fsr-3928	174	8	/	/	SYM
fsr-3928	174	9	financial	financial	PROPN
fsr-3928	174	10	services	service	NOUN
fsr-3928	174	11	review	review	VERB
fsr-3928	174	12	9	9	NUM
fsr-3928	174	13	(	(	PUNCT
fsr-3928	174	14	2000	2000	NUM
fsr-3928	174	15	)	)	PUNCT
fsr-3928	174	16	277–293	277–293	NUM
fsr-3928	174	17	in	in	ADP
fsr-3928	174	18	table	table	NOUN
fsr-3928	174	19	3	3	NUM
fsr-3928	174	20	.	.	PUNCT
fsr-3928	174	21	one	one	NUM
fsr-3928	174	22	out	out	ADP
fsr-3928	174	23	of	of	ADP
fsr-3928	174	24	seven	seven	NUM
fsr-3928	174	25	(	(	PUNCT
fsr-3928	174	26	14.7	14.7	NUM
fsr-3928	174	27	%	%	NOUN
fsr-3928	174	28	)	)	PUNCT
fsr-3928	174	29	refinancers	refinancer	NOUN
fsr-3928	174	30	and	and	CCONJ
fsr-3928	174	31	one	one	NUM
fsr-3928	174	32	-	-	PUNCT
fsr-3928	174	33	fourth	fourth	NOUN
fsr-3928	174	34	(	(	PUNCT
fsr-3928	174	35	25.5	25.5	NUM
fsr-3928	174	36	%	%	NOUN
fsr-3928	174	37	)	)	PUNCT
fsr-3928	174	38	of	of	ADP
fsr-3928	174	39	other	other	ADJ
fsr-3928	174	40	mortgage	mortgage	NOUN
fsr-3928	174	41	borrowers	borrower	NOUN
fsr-3928	174	42	reported	report	VERB
fsr-3928	174	43	that	that	SCONJ
fsr-3928	174	44	they	they	PRON
fsr-3928	174	45	did	do	AUX
fsr-3928	174	46	not	not	PART
fsr-3928	174	47	use	use	VERB
fsr-3928	174	48	any	any	DET
fsr-3928	174	49	information	information	NOUN
fsr-3928	174	50	sources	source	NOUN
fsr-3928	174	51	when	when	SCONJ
fsr-3928	174	52	obtaining	obtain	VERB
fsr-3928	174	53	a	a	DET
fsr-3928	174	54	mortgage	mortgage	NOUN
fsr-3928	174	55	.	.	PUNCT
fsr-3928	175	1	on	on	ADP
fsr-3928	175	2	the	the	DET
fsr-3928	175	3	other	other	ADJ
fsr-3928	175	4	hand	hand	NOUN
fsr-3928	175	5	,	,	PUNCT
fsr-3928	175	6	less	less	ADJ
fsr-3928	175	7	than	than	ADP
fsr-3928	175	8	two	two	NUM
fsr-3928	175	9	percentage	percentage	NOUN
fsr-3928	175	10	of	of	ADP
fsr-3928	175	11	all	all	DET
fsr-3928	175	12	mortgage	mortgage	NOUN
fsr-3928	175	13	borrowers	borrower	NOUN
fsr-3928	175	14	used	use	VERB
fsr-3928	175	15	all	all	DET
fsr-3928	175	16	the	the	DET
fsr-3928	175	17	sources	source	NOUN
fsr-3928	175	18	of	of	ADP
fsr-3928	175	19	information	information	NOUN
fsr-3928	175	20	that	that	PRON
fsr-3928	175	21	were	be	AUX
fsr-3928	175	22	prompted	prompt	VERB
fsr-3928	175	23	.	.	PUNCT
fsr-3928	176	1	the	the	DET
fsr-3928	176	2	results	result	NOUN
fsr-3928	176	3	of	of	ADP
fsr-3928	176	4	the	the	DET
fsr-3928	176	5	log	log	NOUN
fsr-3928	176	6	-	-	PUNCT
fsr-3928	176	7	linear	linear	NOUN
fsr-3928	176	8	model	model	NOUN
fsr-3928	176	9	suggest	suggest	VERB
fsr-3928	176	10	3	3	NUM
fsr-3928	176	11	-	-	PUNCT
fsr-3928	176	12	way	way	NOUN
fsr-3928	176	13	interactions	interaction	NOUN
fsr-3928	176	14	among	among	ADP
fsr-3928	176	15	:	:	PUNCT
fsr-3928	176	16	1	1	NUM
fsr-3928	176	17	)	)	PUNCT
fsr-3928	176	18	banks	bank	NOUN
fsr-3928	176	19	/	/	SYM
fsr-3928	176	20	s&ls/	s&ls/	ADP
fsr-3928	176	21	table	table	VERB
fsr-3928	176	22	3	3	NUM
fsr-3928	176	23	interdependency	interdependency	NOUN
fsr-3928	176	24	among	among	ADP
fsr-3928	176	25	use	use	NOUN
fsr-3928	176	26	of	of	ADP
fsr-3928	176	27	information	information	NOUN
fsr-3928	176	28	sources	source	NOUN
fsr-3928	176	29	:	:	PUNCT
fsr-3928	176	30	maximum	maximum	ADJ
fsr-3928	176	31	likelihood	likelihood	NOUN
fsr-3928	176	32	analysis	analysis	NOUN
fsr-3928	176	33	—	—	PUNCT
fsr-3928	176	34	log	log	NOUN
fsr-3928	176	35	-	-	PUNCT
fsr-3928	176	36	linear	linear	NOUN
fsr-3928	176	37	model	model	NOUN
fsr-3928	176	38	source	source	NOUN
fsr-3928	176	39	df	df	PROPN
fsr-3928	176	40	chi	chi	ADJ
fsr-3928	176	41	-	-	PUNCT
fsr-3928	176	42	square	square	ADJ
fsr-3928	176	43	prob	prob	NOUN
fsr-3928	176	44	refinancing	refinance	VERB
fsr-3928	176	45	1	1	NUM
fsr-3928	176	46	2.15	2.15	NUM
fsr-3928	176	47	0.1428	0.1428	NUM
fsr-3928	176	48	bank	bank	NOUN
fsr-3928	176	49	(	(	PUNCT
fsr-3928	176	50	bank	bank	NOUN
fsr-3928	176	51	,	,	PUNCT
fsr-3928	176	52	s&l	s&l	PROPN
fsr-3928	176	53	,	,	PUNCT
fsr-3928	176	54	credit	credit	NOUN
fsr-3928	176	55	union	union	NOUN
fsr-3928	176	56	)	)	PUNCT
fsr-3928	176	57	1	1	NUM
fsr-3928	176	58	9.46	9.46	NUM
fsr-3928	176	59	0.0021	0.0021	NUM
fsr-3928	176	60	refinancing	refinance	VERB
fsr-3928	176	61	*	*	PUNCT
fsr-3928	176	62	bank	bank	PROPN
fsr-3928	176	63	1	1	NUM
fsr-3928	176	64	1.14	1.14	NUM
fsr-3928	176	65	0.2857	0.2857	NUM
fsr-3928	176	66	mortgage	mortgage	NOUN
fsr-3928	176	67	companies	company	NOUN
fsr-3928	176	68	1	1	NUM
fsr-3928	176	69	3.04	3.04	NUM
fsr-3928	176	70	0.0812	0.0812	NUM
fsr-3928	176	71	refinancing	refinance	VERB
fsr-3928	176	72	*	*	PUNCT
fsr-3928	176	73	mortgage	mortgage	NOUN
fsr-3928	176	74	companies	company	NOUN
fsr-3928	176	75	1	1	NUM
fsr-3928	176	76	3.67	3.67	NUM
fsr-3928	176	77	0.0555	0.0555	NUM
fsr-3928	176	78	bank	bank	NOUN
fsr-3928	176	79	*	*	PUNCT
fsr-3928	176	80	mortgage	mortgage	NOUN
fsr-3928	176	81	companies	company	NOUN
fsr-3928	176	82	1	1	NUM
fsr-3928	176	83	5.12	5.12	NUM
fsr-3928	176	84	0.0236	0.0236	NUM
fsr-3928	176	85	other	other	ADJ
fsr-3928	176	86	financial	financial	ADJ
fsr-3928	176	87	institution	institution	NOUN
fsr-3928	176	88	(	(	PUNCT
fsr-3928	176	89	ofi	ofi	PROPN
fsr-3928	176	90	)	)	PUNCT
fsr-3928	176	91	1	1	NUM
fsr-3928	176	92	4.64	4.64	NUM
fsr-3928	176	93	0.0312	0.0312	NUM
fsr-3928	176	94	refinancing	refinance	VERB
fsr-3928	176	95	*	*	PUNCT
fsr-3928	176	96	ofi	ofi	PROPN
fsr-3928	176	97	1	1	NUM
fsr-3928	176	98	0.34	0.34	NUM
fsr-3928	176	99	0.5627	0.5627	NUM
fsr-3928	176	100	bank	bank	NOUN
fsr-3928	176	101	*	*	PUNCT
fsr-3928	176	102	ofi	ofi	PROPN
fsr-3928	176	103	1	1	NUM
fsr-3928	176	104	0.90	0.90	NUM
fsr-3928	176	105	0.3416	0.3416	NUM
fsr-3928	176	106	mortgage	mortgage	NOUN
fsr-3928	176	107	companies	company	NOUN
fsr-3928	176	108	*	*	PUNCT
fsr-3928	176	109	ofi	ofi	PROPN
fsr-3928	176	110	1	1	NUM
fsr-3928	176	111	0.03	0.03	NUM
fsr-3928	176	112	0.8624	0.8624	NUM
fsr-3928	176	113	real	real	ADJ
fsr-3928	176	114	estate	estate	NOUN
fsr-3928	176	115	agent	agent	NOUN
fsr-3928	176	116	1	1	NUM
fsr-3928	176	117	3.84	3.84	NUM
fsr-3928	176	118	0.0501	0.0501	NUM
fsr-3928	176	119	refinancing	refinance	VERB
fsr-3928	176	120	*	*	PUNCT
fsr-3928	176	121	real	real	ADJ
fsr-3928	176	122	estate	estate	NOUN
fsr-3928	176	123	agent	agent	NOUN
fsr-3928	176	124	1	1	NUM
fsr-3928	176	125	1.71	1.71	NUM
fsr-3928	176	126	0.1915	0.1915	NUM
fsr-3928	176	127	bank	bank	NOUN
fsr-3928	176	128	*	*	PUNCT
fsr-3928	176	129	real	real	ADJ
fsr-3928	176	130	estate	estate	NOUN
fsr-3928	176	131	agent	agent	NOUN
fsr-3928	176	132	1	1	NUM
fsr-3928	176	133	1.77	1.77	NUM
fsr-3928	176	134	0.1828	0.1828	NUM
fsr-3928	176	135	mortgage	mortgage	NOUN
fsr-3928	176	136	companies	company	NOUN
fsr-3928	176	137	*	*	PUNCT
fsr-3928	176	138	real	real	ADJ
fsr-3928	176	139	estate	estate	NOUN
fsr-3928	176	140	agent	agent	NOUN
fsr-3928	176	141	1	1	NUM
fsr-3928	176	142	5.27	5.27	NUM
fsr-3928	176	143	0.0217	0.0217	NUM
fsr-3928	176	144	ofi	ofi	NOUN
fsr-3928	176	145	*	*	PUNCT
fsr-3928	176	146	real	real	ADJ
fsr-3928	176	147	estate	estate	NOUN
fsr-3928	176	148	agent	agent	NOUN
fsr-3928	176	149	1	1	NUM
fsr-3928	176	150	0.30	0.30	NUM
fsr-3928	176	151	0.5830	0.5830	NUM
fsr-3928	176	152	advertisement	advertisement	NOUN
fsr-3928	176	153	1	1	NUM
fsr-3928	176	154	6.13	6.13	NUM
fsr-3928	176	155	0.0133	0.0133	NUM
fsr-3928	176	156	refinancing	refinance	VERB
fsr-3928	176	157	*	*	PUNCT
fsr-3928	176	158	advertisement	advertisement	NOUN
fsr-3928	176	159	1	1	NUM
fsr-3928	176	160	1.61	1.61	NUM
fsr-3928	176	161	0.2042	0.2042	NUM
fsr-3928	176	162	bank	bank	NOUN
fsr-3928	176	163	*	*	PUNCT
fsr-3928	176	164	advertisement	advertisement	NOUN
fsr-3928	176	165	1	1	NUM
fsr-3928	176	166	5.72	5.72	NUM
fsr-3928	176	167	0.0168	0.0168	NUM
fsr-3928	176	168	mortgage	mortgage	NOUN
fsr-3928	176	169	companies	company	NOUN
fsr-3928	176	170	*	*	PUNCT
fsr-3928	176	171	advertisement	advertisement	NOUN
fsr-3928	176	172	1	1	NUM
fsr-3928	176	173	3.23	3.23	NUM
fsr-3928	176	174	0.0721	0.0721	NUM
fsr-3928	177	1	ofi	ofi	PROPN
fsr-3928	177	2	*	*	PUNCT
fsr-3928	177	3	advertisement	advertisement	PROPN
fsr-3928	177	4	1	1	NUM
fsr-3928	177	5	0.59	0.59	NUM
fsr-3928	177	6	0.4407	0.4407	NUM
fsr-3928	177	7	real	real	ADJ
fsr-3928	177	8	estate	estate	NOUN
fsr-3928	177	9	agent	agent	NOUN
fsr-3928	177	10	*	*	PUNCT
fsr-3928	177	11	advertisement	advertisement	NOUN
fsr-3928	177	12	1	1	NUM
fsr-3928	177	13	3.45	3.45	NUM
fsr-3928	177	14	0.0633	0.0633	NUM
fsr-3928	177	15	ratings	rating	NOUN
fsr-3928	177	16	1	1	NUM
fsr-3928	177	17	0.03	0.03	NUM
fsr-3928	177	18	0.8561	0.8561	NUM
fsr-3928	177	19	refinancing	refinance	VERB
fsr-3928	177	20	*	*	PUNCT
fsr-3928	177	21	ratings	rating	NOUN
fsr-3928	177	22	1	1	NUM
fsr-3928	177	23	0.11	0.11	NUM
fsr-3928	177	24	0.7392	0.7392	NUM
fsr-3928	177	25	bank	bank	NOUN
fsr-3928	177	26	*	*	PUNCT
fsr-3928	177	27	ratings	rating	NOUN
fsr-3928	177	28	1	1	NUM
fsr-3928	177	29	1.22	1.22	NUM
fsr-3928	177	30	0.2701	0.2701	NUM
fsr-3928	177	31	mortgage	mortgage	NOUN
fsr-3928	177	32	companies	company	NOUN
fsr-3928	177	33	*	*	PUNCT
fsr-3928	177	34	ratings	rating	NOUN
fsr-3928	177	35	1	1	NUM
fsr-3928	177	36	4.10	4.10	NUM
fsr-3928	177	37	0.0430	0.0430	NUM
fsr-3928	177	38	ofi	ofi	NOUN
fsr-3928	177	39	*	*	PUNCT
fsr-3928	177	40	ratings	rating	NOUN
fsr-3928	177	41	1	1	NUM
fsr-3928	177	42	0.12	0.12	NUM
fsr-3928	177	43	0.7333	0.7333	NUM
fsr-3928	177	44	real	real	ADJ
fsr-3928	177	45	estate	estate	NOUN
fsr-3928	177	46	agent	agent	NOUN
fsr-3928	177	47	*	*	PUNCT
fsr-3928	177	48	ratings	rating	NOUN
fsr-3928	178	1	1	1	NUM
fsr-3928	178	2	7.24	7.24	NUM
fsr-3928	178	3	0.0071	0.0071	NUM
fsr-3928	178	4	advertisement	advertisement	NOUN
fsr-3928	178	5	*	*	PUNCT
fsr-3928	178	6	ratings	rating	NOUN
fsr-3928	178	7	1	1	NUM
fsr-3928	178	8	0.24	0.24	NUM
fsr-3928	178	9	0.6238	0.6238	NUM
fsr-3928	178	10	family	family	NOUN
fsr-3928	178	11	1	1	NUM
fsr-3928	178	12	0.06	0.06	NUM
fsr-3928	178	13	0.8007	0.8007	NUM
fsr-3928	178	14	refinancing	refinance	VERB
fsr-3928	178	15	*	*	PUNCT
fsr-3928	178	16	family	family	NOUN
fsr-3928	178	17	1	1	NUM
fsr-3928	178	18	0.00	0.00	NUM
fsr-3928	178	19	0.9938	0.9938	NUM
fsr-3928	178	20	bank	bank	PROPN
fsr-3928	178	21	*	*	PUNCT
fsr-3928	178	22	family	family	NOUN
fsr-3928	178	23	1	1	NUM
fsr-3928	178	24	0.54	0.54	NUM
fsr-3928	178	25	0.4634	0.4634	NUM
fsr-3928	178	26	mortgage	mortgage	NOUN
fsr-3928	178	27	companies	company	NOUN
fsr-3928	178	28	*	*	PUNCT
fsr-3928	178	29	family	family	NOUN
fsr-3928	178	30	1	1	NUM
fsr-3928	178	31	0.40	0.40	NUM
fsr-3928	178	32	0.5286	0.5286	NUM
fsr-3928	178	33	ofi	ofi	PROPN
fsr-3928	178	34	*	*	PUNCT
fsr-3928	178	35	family	family	PROPN
fsr-3928	178	36	1	1	NUM
fsr-3928	178	37	0.05	0.05	NUM
fsr-3928	178	38	0.8181	0.8181	NUM
fsr-3928	178	39	real	real	ADJ
fsr-3928	178	40	estate	estate	NOUN
fsr-3928	178	41	agent	agent	NOUN
fsr-3928	178	42	*	*	PUNCT
fsr-3928	178	43	family	family	NOUN
fsr-3928	178	44	1	1	NUM
fsr-3928	178	45	2.18	2.18	NUM
fsr-3928	178	46	0.1400	0.1400	NUM
fsr-3928	178	47	advertisement	advertisement	NOUN
fsr-3928	178	48	*	*	PUNCT
fsr-3928	178	49	family	family	NOUN
fsr-3928	178	50	1	1	NUM
fsr-3928	178	51	2.54	2.54	NUM
fsr-3928	178	52	0.1112	0.1112	NUM
fsr-3928	178	53	ratings	rating	NOUN
fsr-3928	178	54	*	*	PUNCT
fsr-3928	178	55	family	family	NOUN
fsr-3928	178	56	1	1	NUM
fsr-3928	178	57	1.22	1.22	NUM
fsr-3928	178	58	0.2698	0.2698	NUM
fsr-3928	178	59	banks	bank	NOUN
fsr-3928	178	60	*	*	PUNCT
fsr-3928	178	61	mortgage	mortgage	NOUN
fsr-3928	178	62	companies	company	NOUN
fsr-3928	178	63	*	*	PUNCT
fsr-3928	178	64	real	real	ADJ
fsr-3928	178	65	estate	estate	NOUN
fsr-3928	178	66	agent	agent	NOUN
fsr-3928	178	67	1	1	NUM
fsr-3928	178	68	5.48	5.48	NUM
fsr-3928	178	69	0.0192	0.0192	NUM
fsr-3928	178	70	banks	bank	NOUN
fsr-3928	178	71	*	*	PUNCT
fsr-3928	178	72	real	real	ADJ
fsr-3928	178	73	estate	estate	NOUN
fsr-3928	178	74	agent	agent	NOUN
fsr-3928	178	75	*	*	PUNCT
fsr-3928	178	76	advertisement	advertisement	NOUN
fsr-3928	178	77	1	1	NUM
fsr-3928	178	78	4.32	4.32	NUM
fsr-3928	178	79	0.0378	0.0378	NUM
fsr-3928	178	80	banks	bank	NOUN
fsr-3928	178	81	*	*	PUNCT
fsr-3928	178	82	real	real	ADJ
fsr-3928	178	83	estate	estate	NOUN
fsr-3928	178	84	agent	agent	NOUN
fsr-3928	178	85	*	*	PUNCT
fsr-3928	178	86	ratings	rating	NOUN
fsr-3928	178	87	1	1	NUM
fsr-3928	178	88	7.23	7.23	NUM
fsr-3928	178	89	0.0072	0.0072	NUM
fsr-3928	178	90	mortgage	mortgage	NOUN
fsr-3928	178	91	companies	company	NOUN
fsr-3928	178	92	*	*	PUNCT
fsr-3928	178	93	real	real	ADJ
fsr-3928	178	94	estate	estate	NOUN
fsr-3928	178	95	agent	agent	NOUN
fsr-3928	178	96	*	*	PUNCT
fsr-3928	178	97	ratings	rating	NOUN
fsr-3928	178	98	1	1	NUM
fsr-3928	178	99	2.15	2.15	NUM
fsr-3928	178	100	0.1422	0.1422	NUM
fsr-3928	178	101	banks	bank	NOUN
fsr-3928	178	102	*	*	PUNCT
fsr-3928	178	103	mortgage	mortgage	NOUN
fsr-3928	178	104	companies	company	NOUN
fsr-3928	178	105	*	*	PUNCT
fsr-3928	178	106	family	family	NOUN
fsr-3928	178	107	1	1	NUM
fsr-3928	178	108	6.38	6.38	NUM
fsr-3928	178	109	0.0115	0.0115	NUM
fsr-3928	178	110	mortgage	mortgage	NOUN
fsr-3928	178	111	companies	company	NOUN
fsr-3928	178	112	*	*	PUNCT
fsr-3928	178	113	real	real	ADJ
fsr-3928	178	114	estate	estate	NOUN
fsr-3928	178	115	agent	agent	NOUN
fsr-3928	178	116	*	*	PUNCT
fsr-3928	178	117	family	family	NOUN
fsr-3928	178	118	1	1	NUM
fsr-3928	178	119	0.41	0.41	NUM
fsr-3928	178	120	0.5228	0.5228	NUM
fsr-3928	178	121	likelihood	likelihood	NOUN
fsr-3928	178	122	ratio	ratio	NOUN
fsr-3928	178	123	27	27	NUM
fsr-3928	178	124	22.49	22.49	NUM
fsr-3928	178	125	0.7123	0.7123	NUM
fsr-3928	178	126	287j.m	287j.m	NOUN
fsr-3928	178	127	.	.	PUNCT
fsr-3928	179	1	hogarth	hogarth	NOUN
fsr-3928	179	2	,	,	PUNCT
fsr-3928	179	3	j.	j.	PROPN
fsr-3928	179	4	lee	lee	PROPN
fsr-3928	179	5	/	/	SYM
fsr-3928	179	6	financial	financial	PROPN
fsr-3928	179	7	services	service	NOUN
fsr-3928	179	8	review	review	VERB
fsr-3928	179	9	9	9	NUM
fsr-3928	179	10	(	(	PUNCT
fsr-3928	179	11	2000	2000	NUM
fsr-3928	179	12	)	)	PUNCT
fsr-3928	179	13	277–293	277–293	NUM
fsr-3928	179	14	credit	credit	NOUN
fsr-3928	179	15	unions	union	NOUN
fsr-3928	179	16	(	(	PUNCT
fsr-3928	179	17	hereafter	hereafter	ADV
fsr-3928	179	18	referred	refer	VERB
fsr-3928	179	19	to	to	ADP
fsr-3928	179	20	as	as	ADP
fsr-3928	179	21	banks	bank	NOUN
fsr-3928	179	22	)	)	PUNCT
fsr-3928	179	23	,	,	PUNCT
fsr-3928	179	24	mortgage	mortgage	NOUN
fsr-3928	179	25	companies	company	NOUN
fsr-3928	179	26	,	,	PUNCT
fsr-3928	179	27	and	and	CCONJ
fsr-3928	179	28	real	real	ADJ
fsr-3928	179	29	estate	estate	NOUN
fsr-3928	179	30	agent	agent	NOUN
fsr-3928	179	31	;	;	PUNCT
fsr-3928	179	32	2	2	X
fsr-3928	179	33	)	)	PUNCT
fsr-3928	179	34	banks	bank	NOUN
fsr-3928	179	35	,	,	PUNCT
fsr-3928	179	36	real	real	ADJ
fsr-3928	179	37	estate	estate	NOUN
fsr-3928	179	38	agents	agent	NOUN
fsr-3928	179	39	,	,	PUNCT
fsr-3928	179	40	and	and	CCONJ
fsr-3928	179	41	advertisement	advertisement	NOUN
fsr-3928	179	42	;	;	PUNCT
fsr-3928	179	43	3	3	X
fsr-3928	179	44	)	)	PUNCT
fsr-3928	179	45	banks	bank	NOUN
fsr-3928	179	46	,	,	PUNCT
fsr-3928	179	47	real	real	ADJ
fsr-3928	179	48	estate	estate	NOUN
fsr-3928	179	49	agents	agent	NOUN
fsr-3928	179	50	,	,	PUNCT
fsr-3928	179	51	and	and	CCONJ
fsr-3928	179	52	comparative	comparative	ADJ
fsr-3928	179	53	ratings	rating	NOUN
fsr-3928	179	54	;	;	PUNCT
fsr-3928	179	55	4	4	X
fsr-3928	179	56	)	)	PUNCT
fsr-3928	179	57	banks	bank	NOUN
fsr-3928	179	58	,	,	PUNCT
fsr-3928	179	59	mortgage	mortgage	NOUN
fsr-3928	179	60	companies	company	NOUN
fsr-3928	179	61	,	,	PUNCT
fsr-3928	179	62	and	and	CCONJ
fsr-3928	179	63	family	family	NOUN
fsr-3928	179	64	.	.	PUNCT
fsr-3928	180	1	there	there	PRON
fsr-3928	180	2	was	be	VERB
fsr-3928	180	3	also	also	ADV
fsr-3928	180	4	a	a	DET
fsr-3928	180	5	significant	significant	ADJ
fsr-3928	180	6	two	two	NUM
fsr-3928	180	7	-	-	PUNCT
fsr-3928	180	8	way	way	NOUN
fsr-3928	180	9	interaction	interaction	NOUN
fsr-3928	180	10	between	between	ADP
fsr-3928	180	11	using	use	VERB
fsr-3928	180	12	information	information	NOUN
fsr-3928	180	13	from	from	ADP
fsr-3928	180	14	mortgage	mortgage	NOUN
fsr-3928	180	15	companies	company	NOUN
fsr-3928	180	16	and	and	CCONJ
fsr-3928	180	17	comparative	comparative	ADJ
fsr-3928	180	18	ratings.1	ratings.1	NOUN
fsr-3928	180	19	if	if	SCONJ
fsr-3928	180	20	consumers	consumer	NOUN
fsr-3928	180	21	didnotobtain	didnotobtain	VERB
fsr-3928	180	22	information	information	NOUN
fsr-3928	180	23	from	from	ADP
fsr-3928	180	24	real	real	ADJ
fsr-3928	180	25	estate	estate	NOUN
fsr-3928	180	26	agents	agent	NOUN
fsr-3928	180	27	,	,	PUNCT
fsr-3928	180	28	but	but	CCONJ
fsr-3928	180	29	did	do	AUX
fsr-3928	180	30	obtain	obtain	VERB
fsr-3928	180	31	information	information	NOUN
fsr-3928	180	32	from	from	ADP
fsr-3928	180	33	mortgage	mortgage	NOUN
fsr-3928	180	34	companies	company	NOUN
fsr-3928	180	35	,	,	PUNCT
fsr-3928	180	36	they	they	PRON
fsr-3928	180	37	were	be	AUX
fsr-3928	180	38	also	also	ADV
fsr-3928	180	39	likely	likely	ADJ
fsr-3928	180	40	to	to	PART
fsr-3928	180	41	obtain	obtain	VERB
fsr-3928	180	42	information	information	NOUN
fsr-3928	180	43	from	from	ADP
fsr-3928	180	44	banks	bank	NOUN
fsr-3928	180	45	.	.	PUNCT
fsr-3928	181	1	on	on	ADP
fsr-3928	181	2	the	the	DET
fsr-3928	181	3	other	other	ADJ
fsr-3928	181	4	hand	hand	NOUN
fsr-3928	181	5	,	,	PUNCT
fsr-3928	181	6	if	if	SCONJ
fsr-3928	181	7	consumers	consumer	NOUN
fsr-3928	181	8	obtained	obtain	VERB
fsr-3928	181	9	information	information	NOUN
fsr-3928	181	10	from	from	ADP
fsr-3928	181	11	real	real	ADJ
fsr-3928	181	12	estate	estate	NOUN
fsr-3928	181	13	agents	agent	NOUN
fsr-3928	181	14	,	,	PUNCT
fsr-3928	181	15	but	but	CCONJ
fsr-3928	181	16	didnot	didnot	ADV
fsr-3928	181	17	obtain	obtain	VERB
fsr-3928	181	18	information	information	NOUN
fsr-3928	181	19	from	from	ADP
fsr-3928	181	20	mortgage	mortgage	NOUN
fsr-3928	181	21	companies	company	NOUN
fsr-3928	181	22	,	,	PUNCT
fsr-3928	181	23	they	they	PRON
fsr-3928	181	24	were	be	AUX
fsr-3928	181	25	more	more	ADV
fsr-3928	181	26	likely	likely	ADJ
fsr-3928	181	27	to	to	PART
fsr-3928	181	28	obtain	obtain	VERB
fsr-3928	181	29	information	information	NOUN
fsr-3928	181	30	from	from	ADP
fsr-3928	181	31	banks	bank	NOUN
fsr-3928	181	32	.	.	PUNCT
fsr-3928	182	1	with	with	ADP
fsr-3928	182	2	respect	respect	NOUN
fsr-3928	182	3	to	to	ADP
fsr-3928	182	4	the	the	DET
fsr-3928	182	5	three	three	NUM
fsr-3928	182	6	-	-	PUNCT
fsr-3928	182	7	way	way	NOUN
fsr-3928	182	8	interaction	interaction	NOUN
fsr-3928	182	9	among	among	ADP
fsr-3928	182	10	banks	bank	NOUN
fsr-3928	182	11	,	,	PUNCT
fsr-3928	182	12	advertisements	advertisement	NOUN
fsr-3928	182	13	,	,	PUNCT
fsr-3928	182	14	and	and	CCONJ
fsr-3928	182	15	real	real	ADJ
fsr-3928	182	16	estate	estate	NOUN
fsr-3928	182	17	agents	agent	NOUN
fsr-3928	182	18	,	,	PUNCT
fsr-3928	182	19	if	if	SCONJ
fsr-3928	182	20	consumers	consumer	NOUN
fsr-3928	182	21	used	use	VERB
fsr-3928	182	22	information	information	NOUN
fsr-3928	182	23	from	from	ADP
fsr-3928	182	24	advertisements	advertisement	NOUN
fsr-3928	182	25	,	,	PUNCT
fsr-3928	182	26	but	but	CCONJ
fsr-3928	182	27	not	not	PART
fsr-3928	182	28	from	from	ADP
fsr-3928	182	29	real	real	ADJ
fsr-3928	182	30	estate	estate	NOUN
fsr-3928	182	31	agents	agent	NOUN
fsr-3928	182	32	,	,	PUNCT
fsr-3928	182	33	they	they	PRON
fsr-3928	182	34	were	be	AUX
fsr-3928	182	35	more	more	ADV
fsr-3928	182	36	likely	likely	ADJ
fsr-3928	182	37	to	to	PART
fsr-3928	182	38	get	get	VERB
fsr-3928	182	39	information	information	NOUN
fsr-3928	182	40	from	from	ADP
fsr-3928	182	41	banks	bank	NOUN
fsr-3928	182	42	.	.	PUNCT
fsr-3928	183	1	on	on	ADP
fsr-3928	183	2	the	the	DET
fsr-3928	183	3	other	other	ADJ
fsr-3928	183	4	hand	hand	NOUN
fsr-3928	183	5	,	,	PUNCT
fsr-3928	183	6	consumers	consumer	NOUN
fsr-3928	183	7	who	who	PRON
fsr-3928	183	8	did	do	AUX
fsr-3928	183	9	not	not	PART
fsr-3928	183	10	get	get	VERB
fsr-3928	183	11	information	information	NOUN
fsr-3928	183	12	from	from	ADP
fsr-3928	183	13	advertisements	advertisement	NOUN
fsr-3928	183	14	tended	tend	VERB
fsr-3928	183	15	to	to	PART
fsr-3928	183	16	use	use	VERB
fsr-3928	183	17	information	information	NOUN
fsr-3928	183	18	from	from	ADP
fsr-3928	183	19	real	real	ADJ
fsr-3928	183	20	estate	estate	NOUN
fsr-3928	183	21	agents	agent	NOUN
fsr-3928	183	22	regardless	regardless	ADV
fsr-3928	183	23	of	of	ADP
fsr-3928	183	24	whether	whether	SCONJ
fsr-3928	183	25	or	or	CCONJ
fsr-3928	183	26	not	not	PART
fsr-3928	183	27	they	they	PRON
fsr-3928	183	28	obtained	obtain	VERB
fsr-3928	183	29	information	information	NOUN
fsr-3928	183	30	from	from	ADP
fsr-3928	183	31	banks	bank	NOUN
fsr-3928	183	32	.	.	PUNCT
fsr-3928	184	1	for	for	ADP
fsr-3928	184	2	the	the	DET
fsr-3928	184	3	interaction	interaction	NOUN
fsr-3928	184	4	among	among	ADP
fsr-3928	184	5	banks	bank	NOUN
fsr-3928	184	6	,	,	PUNCT
fsr-3928	184	7	real	real	ADJ
fsr-3928	184	8	estate	estate	NOUN
fsr-3928	184	9	agents	agent	NOUN
fsr-3928	184	10	,	,	PUNCT
fsr-3928	184	11	and	and	CCONJ
fsr-3928	184	12	comparative	comparative	ADJ
fsr-3928	184	13	ratings	rating	NOUN
fsr-3928	184	14	,	,	PUNCT
fsr-3928	184	15	we	we	PRON
fsr-3928	184	16	find	find	VERB
fsr-3928	184	17	that	that	SCONJ
fsr-3928	184	18	those	those	PRON
fsr-3928	184	19	who	who	PRON
fsr-3928	184	20	obtained	obtain	VERB
fsr-3928	184	21	information	information	NOUN
fsr-3928	184	22	from	from	ADP
fsr-3928	184	23	comparative	comparative	ADJ
fsr-3928	184	24	ratings	rating	NOUN
fsr-3928	184	25	were	be	AUX
fsr-3928	184	26	more	more	ADV
fsr-3928	184	27	likely	likely	ADJ
fsr-3928	184	28	to	to	PART
fsr-3928	184	29	get	get	VERB
fsr-3928	184	30	information	information	NOUN
fsr-3928	184	31	from	from	ADP
fsr-3928	184	32	real	real	ADJ
fsr-3928	184	33	estate	estate	NOUN
fsr-3928	184	34	agents	agent	NOUN
fsr-3928	184	35	,	,	PUNCT
fsr-3928	184	36	regardless	regardless	ADV
fsr-3928	184	37	of	of	ADP
fsr-3928	184	38	whether	whether	SCONJ
fsr-3928	184	39	they	they	PRON
fsr-3928	184	40	obtained	obtain	VERB
fsr-3928	184	41	information	information	NOUN
fsr-3928	184	42	from	from	ADP
fsr-3928	184	43	banks	bank	NOUN
fsr-3928	184	44	.	.	PUNCT
fsr-3928	185	1	for	for	ADP
fsr-3928	185	2	those	those	PRON
fsr-3928	185	3	who	who	PRON
fsr-3928	185	4	used	use	VERB
fsr-3928	185	5	third	third	ADJ
fsr-3928	185	6	party	party	NOUN
fsr-3928	185	7	ratings	rating	NOUN
fsr-3928	185	8	information	information	NOUN
fsr-3928	185	9	,	,	PUNCT
fsr-3928	185	10	the	the	DET
fsr-3928	185	11	use	use	NOUN
fsr-3928	185	12	of	of	ADP
fsr-3928	185	13	real	real	ADJ
fsr-3928	185	14	estate	estate	NOUN
fsr-3928	185	15	agent	agent	NOUN
fsr-3928	185	16	-	-	PUNCT
fsr-3928	185	17	provided	provide	VERB
fsr-3928	185	18	information	information	NOUN
fsr-3928	185	19	influenced	influence	VERB
fsr-3928	185	20	their	their	PRON
fsr-3928	185	21	use	use	NOUN
fsr-3928	185	22	of	of	ADP
fsr-3928	185	23	bank	bank	NOUN
fsr-3928	185	24	-	-	PUNCT
fsr-3928	185	25	provided	provide	VERB
fsr-3928	185	26	information	information	NOUN
fsr-3928	185	27	:	:	PUNCT
fsr-3928	185	28	if	if	SCONJ
fsr-3928	185	29	consumers	consumer	NOUN
fsr-3928	185	30	did	do	AUX
fsr-3928	185	31	not	not	PART
fsr-3928	185	32	get	get	VERB
fsr-3928	185	33	information	information	NOUN
fsr-3928	185	34	from	from	ADP
fsr-3928	185	35	real	real	ADJ
fsr-3928	185	36	estate	estate	NOUN
fsr-3928	185	37	agents	agent	NOUN
fsr-3928	185	38	,	,	PUNCT
fsr-3928	185	39	they	they	PRON
fsr-3928	185	40	were	be	AUX
fsr-3928	185	41	more	more	ADV
fsr-3928	185	42	likely	likely	ADJ
fsr-3928	185	43	to	to	PART
fsr-3928	185	44	get	get	VERB
fsr-3928	185	45	information	information	NOUN
fsr-3928	185	46	from	from	ADP
fsr-3928	185	47	banks	bank	NOUN
fsr-3928	185	48	.	.	PUNCT
fsr-3928	186	1	with	with	ADP
fsr-3928	186	2	respect	respect	NOUN
fsr-3928	186	3	to	to	ADP
fsr-3928	186	4	the	the	DET
fsr-3928	186	5	three	three	NUM
fsr-3928	186	6	-	-	PUNCT
fsr-3928	186	7	way	way	NOUN
fsr-3928	186	8	interaction	interaction	NOUN
fsr-3928	186	9	of	of	ADP
fsr-3928	186	10	banks	bank	NOUN
fsr-3928	186	11	,	,	PUNCT
fsr-3928	186	12	mortgage	mortgage	NOUN
fsr-3928	186	13	companies	company	NOUN
fsr-3928	186	14	,	,	PUNCT
fsr-3928	186	15	and	and	CCONJ
fsr-3928	186	16	family	family	NOUN
fsr-3928	186	17	,	,	PUNCT
fsr-3928	186	18	when	when	SCONJ
fsr-3928	186	19	information	information	NOUN
fsr-3928	186	20	is	be	AUX
fsr-3928	186	21	not	not	PART
fsr-3928	186	22	obtained	obtain	VERB
fsr-3928	186	23	from	from	ADP
fsr-3928	186	24	family	family	NOUN
fsr-3928	186	25	or	or	CCONJ
fsr-3928	186	26	friends	friend	NOUN
fsr-3928	186	27	,	,	PUNCT
fsr-3928	186	28	a	a	DET
fsr-3928	186	29	positive	positive	ADJ
fsr-3928	186	30	relationship	relationship	NOUN
fsr-3928	186	31	between	between	ADP
fsr-3928	186	32	consulting	consult	VERB
fsr-3928	186	33	banks	bank	NOUN
fsr-3928	186	34	and	and	CCONJ
fsr-3928	186	35	mortgage	mortgage	NOUN
fsr-3928	186	36	companies	company	NOUN
fsr-3928	186	37	exists	exist	VERB
fsr-3928	186	38	:	:	PUNCT
fsr-3928	186	39	if	if	SCONJ
fsr-3928	186	40	consumers	consumer	NOUN
fsr-3928	186	41	obtained	obtain	VERB
fsr-3928	186	42	information	information	NOUN
fsr-3928	186	43	from	from	ADP
fsr-3928	186	44	mortgage	mortgage	NOUN
fsr-3928	186	45	companies	company	NOUN
fsr-3928	186	46	,	,	PUNCT
fsr-3928	186	47	they	they	PRON
fsr-3928	186	48	were	be	AUX
fsr-3928	186	49	also	also	ADV
fsr-3928	186	50	more	more	ADV
fsr-3928	186	51	likely	likely	ADJ
fsr-3928	186	52	to	to	PART
fsr-3928	186	53	obtain	obtain	VERB
fsr-3928	186	54	information	information	NOUN
fsr-3928	186	55	from	from	ADP
fsr-3928	186	56	banks	bank	NOUN
fsr-3928	186	57	.	.	PUNCT
fsr-3928	187	1	on	on	ADP
fsr-3928	187	2	the	the	DET
fsr-3928	187	3	other	other	ADJ
fsr-3928	187	4	hand	hand	NOUN
fsr-3928	187	5	,	,	PUNCT
fsr-3928	187	6	when	when	SCONJ
fsr-3928	187	7	information	information	NOUN
fsr-3928	187	8	was	be	AUX
fsr-3928	187	9	provided	provide	VERB
fsr-3928	187	10	by	by	ADP
fsr-3928	187	11	family	family	NOUN
fsr-3928	187	12	or	or	CCONJ
fsr-3928	187	13	friends	friend	NOUN
fsr-3928	187	14	,	,	PUNCT
fsr-3928	187	15	the	the	DET
fsr-3928	187	16	relationship	relationship	NOUN
fsr-3928	187	17	between	between	ADP
fsr-3928	187	18	obtaining	obtain	VERB
fsr-3928	187	19	information	information	NOUN
fsr-3928	187	20	from	from	ADP
fsr-3928	187	21	mortgage	mortgage	NOUN
fsr-3928	187	22	companies	company	NOUN
fsr-3928	187	23	and	and	CCONJ
fsr-3928	187	24	banks	bank	NOUN
fsr-3928	187	25	became	become	VERB
fsr-3928	187	26	negative	negative	ADJ
fsr-3928	187	27	:	:	PUNCT
fsr-3928	187	28	those	those	PRON
fsr-3928	187	29	who	who	PRON
fsr-3928	187	30	did	do	AUX
fsr-3928	187	31	not	not	PART
fsr-3928	187	32	get	get	VERB
fsr-3928	187	33	information	information	NOUN
fsr-3928	187	34	from	from	ADP
fsr-3928	187	35	mortgage	mortgage	NOUN
fsr-3928	187	36	companies	company	NOUN
fsr-3928	187	37	were	be	AUX
fsr-3928	187	38	more	more	ADV
fsr-3928	187	39	likely	likely	ADJ
fsr-3928	187	40	to	to	PART
fsr-3928	187	41	get	get	VERB
fsr-3928	187	42	information	information	NOUN
fsr-3928	187	43	from	from	ADP
fsr-3928	187	44	banks	bank	NOUN
fsr-3928	187	45	.	.	PUNCT
fsr-3928	188	1	the	the	DET
fsr-3928	188	2	two	two	NUM
fsr-3928	188	3	-	-	PUNCT
fsr-3928	188	4	way	way	NOUN
fsr-3928	188	5	interaction	interaction	NOUN
fsr-3928	188	6	between	between	ADP
fsr-3928	188	7	obtaining	obtain	VERB
fsr-3928	188	8	information	information	NOUN
fsr-3928	188	9	from	from	ADP
fsr-3928	188	10	mortgage	mortgage	NOUN
fsr-3928	188	11	companies	company	NOUN
fsr-3928	188	12	and	and	CCONJ
fsr-3928	188	13	comparative	comparative	ADJ
fsr-3928	188	14	ratings	rating	NOUN
fsr-3928	188	15	shows	show	VERB
fsr-3928	188	16	that	that	SCONJ
fsr-3928	188	17	consumers	consumer	NOUN
fsr-3928	188	18	who	who	PRON
fsr-3928	188	19	obtained	obtain	VERB
fsr-3928	188	20	information	information	NOUN
fsr-3928	188	21	from	from	ADP
fsr-3928	188	22	comparative	comparative	ADJ
fsr-3928	188	23	ratings	rating	NOUN
fsr-3928	188	24	were	be	AUX
fsr-3928	188	25	also	also	ADV
fsr-3928	188	26	likely	likely	ADJ
fsr-3928	188	27	to	to	PART
fsr-3928	188	28	get	get	VERB
fsr-3928	188	29	information	information	NOUN
fsr-3928	188	30	from	from	ADP
fsr-3928	188	31	mortgage	mortgage	NOUN
fsr-3928	188	32	companies	company	NOUN
fsr-3928	188	33	.	.	PUNCT
fsr-3928	189	1	5.2.3	5.2.3	NUM
fsr-3928	189	2	.	.	PUNCT
fsr-3928	189	3	loan	loan	NOUN
fsr-3928	189	4	terms	term	NOUN
fsr-3928	189	5	compared	compare	VERB
fsr-3928	189	6	using	use	VERB
fsr-3928	189	7	a	a	DET
fsr-3928	189	8	second	second	ADJ
fsr-3928	189	9	log	log	NOUN
fsr-3928	189	10	-	-	PUNCT
fsr-3928	189	11	linear	linear	NOUN
fsr-3928	189	12	model	model	NOUN
fsr-3928	189	13	,	,	PUNCT
fsr-3928	189	14	we	we	PRON
fsr-3928	189	15	examined	examine	VERB
fsr-3928	189	16	whether	whether	SCONJ
fsr-3928	189	17	comparing	compare	VERB
fsr-3928	189	18	a	a	DET
fsr-3928	189	19	given	give	VERB
fsr-3928	189	20	loan	loan	NOUN
fsr-3928	189	21	term	term	NOUN
fsr-3928	189	22	was	be	AUX
fsr-3928	189	23	associated	associate	VERB
fsr-3928	189	24	with	with	ADP
fsr-3928	189	25	comparing	compare	VERB
fsr-3928	189	26	other	other	ADJ
fsr-3928	189	27	loan	loan	NOUN
fsr-3928	189	28	terms	term	NOUN
fsr-3928	189	29	or	or	CCONJ
fsr-3928	189	30	conditions	condition	NOUN
fsr-3928	189	31	;	;	PUNCT
fsr-3928	189	32	results	result	NOUN
fsr-3928	189	33	are	be	AUX
fsr-3928	189	34	presented	present	VERB
fsr-3928	189	35	in	in	ADP
fsr-3928	189	36	table	table	NOUN
fsr-3928	189	37	4	4	NUM
fsr-3928	189	38	.	.	PUNCT
fsr-3928	190	1	one	one	NUM
fsr-3928	190	2	out	out	ADP
fsr-3928	190	3	of	of	ADP
fsr-3928	190	4	seven	seven	NUM
fsr-3928	190	5	refinancers	refinancer	NOUN
fsr-3928	190	6	(	(	PUNCT
fsr-3928	190	7	15	15	NUM
fsr-3928	190	8	%	%	NOUN
fsr-3928	190	9	)	)	PUNCT
fsr-3928	190	10	reported	report	VERB
fsr-3928	190	11	they	they	PRON
fsr-3928	190	12	did	do	AUX
fsr-3928	190	13	not	not	PART
fsr-3928	190	14	compare	compare	VERB
fsr-3928	190	15	any	any	DET
fsr-3928	190	16	terms	term	NOUN
fsr-3928	190	17	and	and	CCONJ
fsr-3928	190	18	one	one	NUM
fsr-3928	190	19	-	-	PUNCT
fsr-3928	190	20	fourth	fourth	NOUN
fsr-3928	190	21	(	(	PUNCT
fsr-3928	190	22	26	26	NUM
fsr-3928	190	23	%	%	NOUN
fsr-3928	190	24	)	)	PUNCT
fsr-3928	190	25	of	of	ADP
fsr-3928	190	26	other	other	ADJ
fsr-3928	190	27	mortgage	mortgage	NOUN
fsr-3928	190	28	borrowers	borrower	NOUN
fsr-3928	190	29	reported	report	VERB
fsr-3928	190	30	not	not	PART
fsr-3928	190	31	comparing	compare	VERB
fsr-3928	190	32	any	any	DET
fsr-3928	190	33	terms	term	NOUN
fsr-3928	190	34	.	.	PUNCT
fsr-3928	191	1	on	on	ADP
fsr-3928	191	2	the	the	DET
fsr-3928	191	3	other	other	ADJ
fsr-3928	191	4	hand	hand	NOUN
fsr-3928	191	5	,	,	PUNCT
fsr-3928	191	6	14	14	NUM
fsr-3928	191	7	%	%	NOUN
fsr-3928	191	8	of	of	ADP
fsr-3928	191	9	all	all	DET
fsr-3928	191	10	borrowers	borrower	NOUN
fsr-3928	191	11	(	(	PUNCT
fsr-3928	191	12	refinancers	refinancer	NOUN
fsr-3928	191	13	and	and	CCONJ
fsr-3928	191	14	other	other	ADJ
fsr-3928	191	15	mortgage	mortgage	NOUN
fsr-3928	191	16	borrowers	borrower	NOUN
fsr-3928	191	17	)	)	PUNCT
fsr-3928	191	18	reported	report	VERB
fsr-3928	191	19	they	they	PRON
fsr-3928	191	20	compared	compare	VERB
fsr-3928	191	21	all	all	DET
fsr-3928	191	22	the	the	DET
fsr-3928	191	23	terms	term	NOUN
fsr-3928	191	24	that	that	PRON
fsr-3928	191	25	were	be	AUX
fsr-3928	191	26	prompted	prompt	VERB
fsr-3928	191	27	,	,	PUNCT
fsr-3928	191	28	and	and	CCONJ
fsr-3928	191	29	another	another	DET
fsr-3928	191	30	17	17	NUM
fsr-3928	191	31	%	%	NOUN
fsr-3928	191	32	of	of	ADP
fsr-3928	191	33	all	all	DET
fsr-3928	191	34	borrowers	borrower	NOUN
fsr-3928	191	35	examined	examine	VERB
fsr-3928	191	36	all	all	DET
fsr-3928	191	37	the	the	DET
fsr-3928	191	38	terms	term	NOUN
fsr-3928	191	39	except	except	SCONJ
fsr-3928	191	40	credit	credit	NOUN
fsr-3928	191	41	life	life	NOUN
fsr-3928	191	42	insurance	insurance	NOUN
fsr-3928	191	43	and	and	CCONJ
fsr-3928	191	44	other	other	ADJ
fsr-3928	191	45	fees	fee	NOUN
fsr-3928	191	46	.	.	PUNCT
fsr-3928	192	1	no	no	DET
fsr-3928	192	2	complex	complex	ADJ
fsr-3928	192	3	3	3	NUM
fsr-3928	192	4	-	-	PUNCT
fsr-3928	192	5	way	way	NOUN
fsr-3928	192	6	interactions	interaction	NOUN
fsr-3928	192	7	were	be	AUX
fsr-3928	192	8	found	find	VERB
fsr-3928	192	9	.	.	PUNCT
fsr-3928	193	1	significant	significant	ADJ
fsr-3928	193	2	positive	positive	ADJ
fsr-3928	193	3	two	two	NUM
fsr-3928	193	4	-	-	PUNCT
fsr-3928	193	5	way	way	NOUN
fsr-3928	193	6	interactions	interaction	NOUN
fsr-3928	193	7	were	be	AUX
fsr-3928	193	8	found	find	VERB
fsr-3928	193	9	for	for	ADP
fsr-3928	193	10	1	1	NUM
fsr-3928	193	11	)	)	PUNCT
fsr-3928	193	12	mortgage	mortgage	NOUN
fsr-3928	193	13	broker	broker	NOUN
fsr-3928	193	14	fees	fee	NOUN
fsr-3928	193	15	and	and	CCONJ
fsr-3928	193	16	application	application	NOUN
fsr-3928	193	17	fees	fee	NOUN
fsr-3928	193	18	;	;	PUNCT
fsr-3928	193	19	2	2	X
fsr-3928	193	20	)	)	PUNCT
fsr-3928	193	21	apr	apr	NOUN
fsr-3928	193	22	and	and	CCONJ
fsr-3928	193	23	monthly	monthly	ADJ
fsr-3928	193	24	payment	payment	NOUN
fsr-3928	193	25	;	;	PUNCT
fsr-3928	193	26	and	and	CCONJ
fsr-3928	193	27	3	3	X
fsr-3928	193	28	)	)	PUNCT
fsr-3928	193	29	credit	credit	NOUN
fsr-3928	193	30	life	life	NOUN
fsr-3928	193	31	insurance	insurance	NOUN
fsr-3928	193	32	and	and	CCONJ
fsr-3928	193	33	other	other	ADJ
fsr-3928	193	34	fees	fee	NOUN
fsr-3928	193	35	.	.	PUNCT
fsr-3928	194	1	the	the	DET
fsr-3928	194	2	two	two	NUM
fsr-3928	194	3	-	-	PUNCT
fsr-3928	194	4	way	way	NOUN
fsr-3928	194	5	interaction	interaction	NOUN
fsr-3928	194	6	of	of	ADP
fsr-3928	194	7	mortgage	mortgage	NOUN
fsr-3928	194	8	broker	broker	NOUN
fsr-3928	194	9	fees	fee	NOUN
fsr-3928	194	10	and	and	CCONJ
fsr-3928	194	11	application	application	NOUN
fsr-3928	194	12	fees	fee	NOUN
fsr-3928	194	13	suggest	suggest	VERB
fsr-3928	194	14	a	a	DET
fsr-3928	194	15	significant	significant	ADJ
fsr-3928	194	16	positive	positive	ADJ
fsr-3928	194	17	relationship	relationship	NOUN
fsr-3928	194	18	between	between	ADP
fsr-3928	194	19	comparing	compare	VERB
fsr-3928	194	20	mortgage	mortgage	NOUN
fsr-3928	194	21	broker	broker	NOUN
fsr-3928	194	22	fees	fee	NOUN
fsr-3928	194	23	and	and	CCONJ
fsr-3928	194	24	application	application	NOUN
fsr-3928	194	25	fees	fee	NOUN
fsr-3928	194	26	:	:	PUNCT
fsr-3928	194	27	those	those	PRON
fsr-3928	194	28	who	who	PRON
fsr-3928	194	29	compared	compare	VERB
fsr-3928	194	30	application	application	NOUN
fsr-3928	194	31	fees	fee	NOUN
fsr-3928	194	32	tended	tend	VERB
fsr-3928	194	33	to	to	PART
fsr-3928	194	34	compare	compare	VERB
fsr-3928	194	35	288	288	NUM
fsr-3928	194	36	j.m	j.m	PROPN
fsr-3928	194	37	.	.	PROPN
fsr-3928	194	38	hogarth	hogarth	PROPN
fsr-3928	194	39	,	,	PUNCT
fsr-3928	194	40	j.	j.	PROPN
fsr-3928	194	41	lee	lee	PROPN
fsr-3928	194	42	/	/	SYM
fsr-3928	194	43	financial	financial	PROPN
fsr-3928	194	44	services	service	NOUN
fsr-3928	194	45	review	review	VERB
fsr-3928	194	46	9	9	NUM
fsr-3928	194	47	(	(	PUNCT
fsr-3928	194	48	2000	2000	NUM
fsr-3928	194	49	)	)	PUNCT
fsr-3928	194	50	277–293	277–293	NUM
fsr-3928	194	51	table	table	NOUN
fsr-3928	194	52	4	4	NUM
fsr-3928	194	53	interdependency	interdependency	NOUN
fsr-3928	194	54	among	among	ADP
fsr-3928	194	55	terms	term	NOUN
fsr-3928	194	56	compared	compare	VERB
fsr-3928	194	57	:	:	PUNCT
fsr-3928	194	58	maximum	maximum	ADJ
fsr-3928	194	59	likelihood	likelihood	NOUN
fsr-3928	194	60	analysis	analysis	NOUN
fsr-3928	194	61	—	—	PUNCT
fsr-3928	194	62	log	log	NOUN
fsr-3928	194	63	-	-	PUNCT
fsr-3928	194	64	linear	linear	NOUN
fsr-3928	194	65	model	model	NOUN
fsr-3928	194	66	source	source	NOUN
fsr-3928	194	67	df	df	PROPN
fsr-3928	194	68	chi	chi	ADJ
fsr-3928	194	69	-	-	PUNCT
fsr-3928	194	70	square	square	ADJ
fsr-3928	194	71	prob	prob	NOUN
fsr-3928	194	72	refinancing	refinance	VERB
fsr-3928	194	73	1	1	NUM
fsr-3928	194	74	7.87	7.87	NUM
fsr-3928	194	75	0.0050	0.0050	NUM
fsr-3928	194	76	interest	interest	NOUN
fsr-3928	194	77	rate	rate	NOUN
fsr-3928	194	78	1	1	NUM
fsr-3928	194	79	0.47	0.47	NUM
fsr-3928	194	80	0.4919	0.4919	NUM
fsr-3928	194	81	refinancing	refinance	VERB
fsr-3928	194	82	*	*	PUNCT
fsr-3928	194	83	interest	interest	NOUN
fsr-3928	194	84	rate	rate	NOUN
fsr-3928	194	85	1	1	NUM
fsr-3928	194	86	1.13	1.13	NUM
fsr-3928	194	87	0.2884	0.2884	NUM
fsr-3928	194	88	fixed	fix	VERB
fsr-3928	194	89	or	or	CCONJ
fsr-3928	194	90	variable	variable	ADJ
fsr-3928	194	91	rate	rate	NOUN
fsr-3928	194	92	1	1	NUM
fsr-3928	194	93	0.10	0.10	NUM
fsr-3928	194	94	0.7558	0.7558	NUM
fsr-3928	194	95	refinancing	refinancing	NOUN
fsr-3928	194	96	*	*	VERB
fsr-3928	194	97	fixed	fixed	ADJ
fsr-3928	194	98	or	or	CCONJ
fsr-3928	194	99	variable	variable	ADJ
fsr-3928	194	100	rate	rate	NOUN
fsr-3928	194	101	1	1	NUM
fsr-3928	194	102	0.11	0.11	NUM
fsr-3928	194	103	0.7456	0.7456	NUM
fsr-3928	194	104	interest	interest	NOUN
fsr-3928	194	105	rate	rate	NOUN
fsr-3928	194	106	*	*	PUNCT
fsr-3928	194	107	fixed	fixed	ADJ
fsr-3928	194	108	or	or	CCONJ
fsr-3928	194	109	variable	variable	ADJ
fsr-3928	194	110	rate	rate	NOUN
fsr-3928	194	111	1	1	NUM
fsr-3928	194	112	1.29	1.29	NUM
fsr-3928	194	113	0.2555	0.2555	NUM
fsr-3928	194	114	points	point	NOUN
fsr-3928	194	115	or	or	CCONJ
fsr-3928	194	116	origination	origination	NOUN
fsr-3928	194	117	fees	fee	NOUN
fsr-3928	194	118	1	1	NUM
fsr-3928	194	119	0.00	0.00	NUM
fsr-3928	194	120	0.9940	0.9940	NUM
fsr-3928	194	121	refinancing	refinancing	NOUN
fsr-3928	194	122	*	*	PUNCT
fsr-3928	194	123	points	point	NOUN
fsr-3928	194	124	1	1	NUM
fsr-3928	194	125	0.05	0.05	NUM
fsr-3928	194	126	0.8266	0.8266	NUM
fsr-3928	194	127	fixed	fix	VERB
fsr-3928	194	128	or	or	CCONJ
fsr-3928	194	129	variable	variable	ADJ
fsr-3928	194	130	rate	rate	NOUN
fsr-3928	194	131	*	*	PUNCT
fsr-3928	194	132	points	point	NOUN
fsr-3928	194	133	1	1	NUM
fsr-3928	194	134	0.43	0.43	NUM
fsr-3928	194	135	0.5129	0.5129	NUM
fsr-3928	194	136	mortgage	mortgage	NOUN
fsr-3928	194	137	broker	broker	NOUN
fsr-3928	194	138	fees	fee	NOUN
fsr-3928	194	139	1	1	NUM
fsr-3928	194	140	1.55	1.55	NUM
fsr-3928	194	141	0.2139	0.2139	NUM
fsr-3928	194	142	refinancing	refinance	VERB
fsr-3928	194	143	*	*	PUNCT
fsr-3928	194	144	mortgage	mortgage	NOUN
fsr-3928	194	145	broker	broker	NOUN
fsr-3928	194	146	fees	fee	NOUN
fsr-3928	194	147	1	1	NUM
fsr-3928	194	148	0.03	0.03	NUM
fsr-3928	194	149	0.8519	0.8519	NUM
fsr-3928	194	150	fixed	fix	VERB
fsr-3928	194	151	or	or	CCONJ
fsr-3928	194	152	variable	variable	ADJ
fsr-3928	194	153	rate	rate	NOUN
fsr-3928	194	154	*	*	PUNCT
fsr-3928	194	155	mortgage	mortgage	NOUN
fsr-3928	194	156	broker	broker	NOUN
fsr-3928	194	157	fees	fee	NOUN
fsr-3928	194	158	1	1	NUM
fsr-3928	194	159	1.45	1.45	NUM
fsr-3928	194	160	0.2290	0.2290	NUM
fsr-3928	194	161	points	point	NOUN
fsr-3928	194	162	*	*	PUNCT
fsr-3928	194	163	mortgage	mortgage	NOUN
fsr-3928	194	164	broker	broker	NOUN
fsr-3928	194	165	fees	fee	NOUN
fsr-3928	194	166	1	1	NUM
fsr-3928	194	167	2.79	2.79	NUM
fsr-3928	194	168	0.0948	0.0948	NUM
fsr-3928	194	169	application	application	NOUN
fsr-3928	194	170	fees	fee	NOUN
fsr-3928	194	171	1	1	NUM
fsr-3928	194	172	1.29	1.29	NUM
fsr-3928	194	173	0.2553	0.2553	NUM
fsr-3928	194	174	refinancing	refinance	VERB
fsr-3928	194	175	*	*	PUNCT
fsr-3928	194	176	application	application	NOUN
fsr-3928	194	177	fees	fee	NOUN
fsr-3928	194	178	1	1	NUM
fsr-3928	194	179	2.88	2.88	NUM
fsr-3928	194	180	0.0899	0.0899	NUM
fsr-3928	194	181	fixed	fix	VERB
fsr-3928	194	182	or	or	CCONJ
fsr-3928	194	183	variable	variable	ADJ
fsr-3928	194	184	rate	rate	NOUN
fsr-3928	194	185	*	*	PUNCT
fsr-3928	194	186	application	application	NOUN
fsr-3928	194	187	fees	fee	NOUN
fsr-3928	194	188	1	1	NUM
fsr-3928	194	189	0.78	0.78	NUM
fsr-3928	194	190	0.3771	0.3771	NUM
fsr-3928	194	191	points	point	NOUN
fsr-3928	194	192	*	*	PUNCT
fsr-3928	194	193	application	application	NOUN
fsr-3928	194	194	fees	fee	NOUN
fsr-3928	194	195	1	1	NUM
fsr-3928	194	196	0.03	0.03	NUM
fsr-3928	194	197	0.8532	0.8532	NUM
fsr-3928	194	198	mortgage	mortgage	NOUN
fsr-3928	194	199	broker	broker	NOUN
fsr-3928	194	200	fees	fee	NOUN
fsr-3928	194	201	*	*	PUNCT
fsr-3928	194	202	application	application	NOUN
fsr-3928	194	203	fees	fee	NOUN
fsr-3928	194	204	1	1	NUM
fsr-3928	194	205	7.94	7.94	NUM
fsr-3928	194	206	0.0048	0.0048	NUM
fsr-3928	194	207	apr	apr	NOUN
fsr-3928	194	208	1	1	NUM
fsr-3928	194	209	1.49	1.49	NUM
fsr-3928	194	210	0.2225	0.2225	NUM
fsr-3928	194	211	refinancing	refinance	VERB
fsr-3928	194	212	*	*	PUNCT
fsr-3928	195	1	apr	apr	NOUN
fsr-3928	195	2	1	1	NUM
fsr-3928	195	3	0.13	0.13	NUM
fsr-3928	195	4	0.7157	0.7157	NUM
fsr-3928	195	5	fixed	fix	VERB
fsr-3928	195	6	or	or	CCONJ
fsr-3928	195	7	variable	variable	ADJ
fsr-3928	195	8	rate	rate	NOUN
fsr-3928	195	9	*	*	PUNCT
fsr-3928	195	10	apr	apr	NOUN
fsr-3928	195	11	1	1	NUM
fsr-3928	195	12	0.79	0.79	NUM
fsr-3928	195	13	0.3728	0.3728	NUM
fsr-3928	195	14	points	point	NOUN
fsr-3928	195	15	*	*	PUNCT
fsr-3928	195	16	apr	apr	NOUN
fsr-3928	195	17	1	1	NUM
fsr-3928	195	18	0.00	0.00	NUM
fsr-3928	195	19	0.9742	0.9742	NUM
fsr-3928	195	20	mortgage	mortgage	NOUN
fsr-3928	195	21	broker	broker	NOUN
fsr-3928	195	22	fees	fee	NOUN
fsr-3928	195	23	*	*	PUNCT
fsr-3928	195	24	apr	apr	NOUN
fsr-3928	195	25	1	1	NUM
fsr-3928	195	26	0.00	0.00	NUM
fsr-3928	195	27	0.9484	0.9484	NUM
fsr-3928	195	28	application	application	NOUN
fsr-3928	195	29	fees	fee	NOUN
fsr-3928	195	30	*	*	PUNCT
fsr-3928	195	31	apr	apr	NOUN
fsr-3928	195	32	1	1	NUM
fsr-3928	195	33	0.87	0.87	NUM
fsr-3928	195	34	0.3497	0.3497	NUM
fsr-3928	195	35	monthly	monthly	ADJ
fsr-3928	195	36	payment	payment	NOUN
fsr-3928	195	37	1	1	NUM
fsr-3928	195	38	1.95	1.95	NUM
fsr-3928	195	39	0.1623	0.1623	NUM
fsr-3928	195	40	refinancing	refinance	VERB
fsr-3928	195	41	*	*	PUNCT
fsr-3928	195	42	monthly	monthly	ADJ
fsr-3928	195	43	payment	payment	NOUN
fsr-3928	195	44	1	1	NUM
fsr-3928	195	45	0.01	0.01	NUM
fsr-3928	195	46	0.9228	0.9228	NUM
fsr-3928	195	47	fixed	fix	VERB
fsr-3928	195	48	or	or	CCONJ
fsr-3928	195	49	variable	variable	ADJ
fsr-3928	195	50	rate	rate	NOUN
fsr-3928	195	51	*	*	PUNCT
fsr-3928	195	52	monthly	monthly	ADJ
fsr-3928	195	53	payment	payment	NOUN
fsr-3928	195	54	1	1	NUM
fsr-3928	195	55	1.58	1.58	NUM
fsr-3928	195	56	0.2085	0.2085	NUM
fsr-3928	195	57	points	point	NOUN
fsr-3928	195	58	*	*	PUNCT
fsr-3928	195	59	monthly	monthly	ADJ
fsr-3928	195	60	payment	payment	NOUN
fsr-3928	195	61	1	1	NUM
fsr-3928	195	62	0.40	0.40	NUM
fsr-3928	195	63	0.5250	0.5250	NUM
fsr-3928	195	64	mortgage	mortgage	NOUN
fsr-3928	195	65	broker	broker	NOUN
fsr-3928	195	66	fees	fee	NOUN
fsr-3928	195	67	*	*	PUNCT
fsr-3928	195	68	monthly	monthly	ADJ
fsr-3928	195	69	payment	payment	NOUN
fsr-3928	195	70	1	1	NUM
fsr-3928	195	71	0.14	0.14	NUM
fsr-3928	195	72	0.7083	0.7083	NUM
fsr-3928	195	73	application	application	NOUN
fsr-3928	195	74	fees	fee	NOUN
fsr-3928	195	75	*	*	PUNCT
fsr-3928	195	76	monthly	monthly	ADJ
fsr-3928	195	77	payment	payment	NOUN
fsr-3928	195	78	1	1	NUM
fsr-3928	195	79	0.09	0.09	NUM
fsr-3928	195	80	0.7697	0.7697	NUM
fsr-3928	195	81	apr	apr	NOUN
fsr-3928	195	82	*	*	PUNCT
fsr-3928	195	83	monthly	monthly	ADJ
fsr-3928	195	84	payment	payment	NOUN
fsr-3928	195	85	1	1	NUM
fsr-3928	195	86	4.17	4.17	NUM
fsr-3928	195	87	0.0412	0.0412	NUM
fsr-3928	195	88	credit	credit	NOUN
fsr-3928	195	89	life	life	NOUN
fsr-3928	195	90	insurance	insurance	NOUN
fsr-3928	195	91	1	1	NUM
fsr-3928	195	92	0.19	0.19	NUM
fsr-3928	195	93	0.6650	0.6650	NUM
fsr-3928	195	94	refinancing	refinance	VERB
fsr-3928	195	95	*	*	PUNCT
fsr-3928	195	96	credit	credit	NOUN
fsr-3928	195	97	life	life	NOUN
fsr-3928	195	98	insurance	insurance	NOUN
fsr-3928	195	99	1	1	NUM
fsr-3928	195	100	0.09	0.09	NUM
fsr-3928	195	101	0.7631	0.7631	NUM
fsr-3928	195	102	points	point	NOUN
fsr-3928	195	103	*	*	PUNCT
fsr-3928	195	104	credit	credit	NOUN
fsr-3928	195	105	life	life	NOUN
fsr-3928	195	106	insurance	insurance	NOUN
fsr-3928	195	107	1	1	NUM
fsr-3928	195	108	0.11	0.11	NUM
fsr-3928	195	109	0.7370	0.7370	NUM
fsr-3928	195	110	mortgage	mortgage	NOUN
fsr-3928	195	111	broker	broker	NOUN
fsr-3928	195	112	fees	fee	NOUN
fsr-3928	195	113	*	*	PUNCT
fsr-3928	195	114	credit	credit	NOUN
fsr-3928	195	115	life	life	NOUN
fsr-3928	195	116	insurance	insurance	NOUN
fsr-3928	195	117	1	1	NUM
fsr-3928	195	118	0.03	0.03	NUM
fsr-3928	195	119	0.8704	0.8704	NUM
fsr-3928	195	120	application	application	NOUN
fsr-3928	195	121	fees	fee	NOUN
fsr-3928	195	122	*	*	PUNCT
fsr-3928	195	123	credit	credit	NOUN
fsr-3928	195	124	life	life	NOUN
fsr-3928	195	125	insurance	insurance	NOUN
fsr-3928	195	126	1	1	NUM
fsr-3928	195	127	0.02	0.02	NUM
fsr-3928	195	128	0.9020	0.9020	NUM
fsr-3928	195	129	apr	apr	NOUN
fsr-3928	195	130	*	*	PUNCT
fsr-3928	195	131	credit	credit	NOUN
fsr-3928	195	132	life	life	NOUN
fsr-3928	195	133	insurance	insurance	NOUN
fsr-3928	195	134	1	1	NUM
fsr-3928	195	135	0.09	0.09	NUM
fsr-3928	195	136	0.7602	0.7602	NUM
fsr-3928	195	137	monthly	monthly	ADJ
fsr-3928	195	138	payment	payment	NOUN
fsr-3928	195	139	*	*	PUNCT
fsr-3928	195	140	credit	credit	NOUN
fsr-3928	195	141	life	life	NOUN
fsr-3928	195	142	insurance	insurance	NOUN
fsr-3928	195	143	1	1	NUM
fsr-3928	195	144	0.65	0.65	NUM
fsr-3928	195	145	0.4219	0.4219	NUM
fsr-3928	195	146	other	other	ADJ
fsr-3928	195	147	fees	fee	NOUN
fsr-3928	195	148	1	1	NUM
fsr-3928	195	149	0.03	0.03	NUM
fsr-3928	195	150	0.8653	0.8653	NUM
fsr-3928	195	151	refinancing	refinance	VERB
fsr-3928	195	152	*	*	PUNCT
fsr-3928	195	153	other	other	ADJ
fsr-3928	195	154	fees	fee	NOUN
fsr-3928	195	155	1	1	NUM
fsr-3928	195	156	0.00	0.00	NUM
fsr-3928	195	157	0.9859	0.9859	NUM
fsr-3928	195	158	points	point	NOUN
fsr-3928	195	159	*	*	PUNCT
fsr-3928	195	160	other	other	ADJ
fsr-3928	195	161	fees	fee	NOUN
fsr-3928	195	162	1	1	NUM
fsr-3928	195	163	0.67	0.67	NUM
fsr-3928	195	164	0.4148	0.4148	NUM
fsr-3928	195	165	mortgage	mortgage	NOUN
fsr-3928	195	166	broker	broker	NOUN
fsr-3928	195	167	fees	fee	NOUN
fsr-3928	195	168	*	*	PUNCT
fsr-3928	195	169	other	other	ADJ
fsr-3928	195	170	fees	fee	NOUN
fsr-3928	195	171	1	1	NUM
fsr-3928	195	172	1.06	1.06	NUM
fsr-3928	195	173	0.3031	0.3031	NUM
fsr-3928	195	174	application	application	NOUN
fsr-3928	195	175	fees	fee	NOUN
fsr-3928	195	176	*	*	PUNCT
fsr-3928	195	177	other	other	ADJ
fsr-3928	195	178	fees	fee	NOUN
fsr-3928	195	179	1	1	NUM
fsr-3928	195	180	0.02	0.02	NUM
fsr-3928	195	181	0.8821	0.8821	NUM
fsr-3928	195	182	apr	apr	NOUN
fsr-3928	195	183	*	*	PUNCT
fsr-3928	195	184	other	other	ADJ
fsr-3928	195	185	fees	fee	NOUN
fsr-3928	195	186	1	1	NUM
fsr-3928	195	187	0.22	0.22	NUM
fsr-3928	195	188	0.6384	0.6384	NUM
fsr-3928	195	189	monthly	monthly	ADJ
fsr-3928	195	190	payment	payment	NOUN
fsr-3928	195	191	*	*	PUNCT
fsr-3928	195	192	other	other	ADJ
fsr-3928	195	193	fees	fee	NOUN
fsr-3928	195	194	1	1	NUM
fsr-3928	195	195	0.84	0.84	NUM
fsr-3928	195	196	0.3601	0.3601	NUM
fsr-3928	195	197	credit	credit	NOUN
fsr-3928	195	198	life	life	NOUN
fsr-3928	195	199	insurance	insurance	NOUN
fsr-3928	195	200	*	*	PUNCT
fsr-3928	195	201	other	other	ADJ
fsr-3928	195	202	fees	fee	NOUN
fsr-3928	195	203	1	1	NUM
fsr-3928	195	204	24.67	24.67	NUM
fsr-3928	195	205	0.0000	0.0000	NUM
fsr-3928	195	206	likelihood	likelihood	NOUN
fsr-3928	195	207	ratio	ratio	NOUN
fsr-3928	195	208	17	17	NUM
fsr-3928	195	209	9.23	9.23	NUM
fsr-3928	195	210	0.9143	0.9143	NUM
fsr-3928	195	211	289j.m	289j.m	NOUN
fsr-3928	195	212	.	.	PUNCT
fsr-3928	196	1	hogarth	hogarth	NOUN
fsr-3928	196	2	,	,	PUNCT
fsr-3928	196	3	j.	j.	PROPN
fsr-3928	196	4	lee	lee	PROPN
fsr-3928	196	5	/	/	SYM
fsr-3928	196	6	financial	financial	PROPN
fsr-3928	196	7	services	service	NOUN
fsr-3928	196	8	review	review	VERB
fsr-3928	196	9	9	9	NUM
fsr-3928	196	10	(	(	PUNCT
fsr-3928	196	11	2000	2000	NUM
fsr-3928	196	12	)	)	PUNCT
fsr-3928	197	1	277–293	277–293	NUM
fsr-3928	197	2	mortgage	mortgage	NOUN
fsr-3928	197	3	broker	broker	NOUN
fsr-3928	197	4	fees	fee	NOUN
fsr-3928	197	5	,	,	PUNCT
fsr-3928	197	6	and	and	CCONJ
fsr-3928	197	7	vice	vice	ADV
fsr-3928	197	8	versa	versa	ADV
fsr-3928	197	9	.	.	PUNCT
fsr-3928	198	1	similarly	similarly	ADV
fsr-3928	198	2	,	,	PUNCT
fsr-3928	198	3	those	those	PRON
fsr-3928	198	4	who	who	PRON
fsr-3928	198	5	compared	compare	VERB
fsr-3928	198	6	apr	apr	NOUN
fsr-3928	198	7	were	be	AUX
fsr-3928	198	8	more	more	ADV
fsr-3928	198	9	likely	likely	ADJ
fsr-3928	198	10	to	to	PART
fsr-3928	198	11	compare	compare	VERB
fsr-3928	198	12	monthly	monthly	ADJ
fsr-3928	198	13	payment	payment	NOUN
fsr-3928	198	14	,	,	PUNCT
fsr-3928	198	15	and	and	CCONJ
fsr-3928	198	16	those	those	PRON
fsr-3928	198	17	who	who	PRON
fsr-3928	198	18	compared	compare	VERB
fsr-3928	198	19	other	other	ADJ
fsr-3928	198	20	fees	fee	NOUN
fsr-3928	198	21	were	be	AUX
fsr-3928	198	22	also	also	ADV
fsr-3928	198	23	likely	likely	ADJ
fsr-3928	198	24	to	to	PART
fsr-3928	198	25	compare	compare	VERB
fsr-3928	198	26	credit	credit	NOUN
fsr-3928	198	27	life	life	NOUN
fsr-3928	198	28	insurance	insurance	NOUN
fsr-3928	198	29	.	.	PUNCT
fsr-3928	199	1	5.2.4	5.2.4	NUM
fsr-3928	199	2	.	.	PUNCT
fsr-3928	199	3	interdependency	interdependency	NOUN
fsr-3928	199	4	among	among	ADP
fsr-3928	199	5	composite	composite	ADJ
fsr-3928	199	6	measures	measure	NOUN
fsr-3928	199	7	table	table	NOUN
fsr-3928	199	8	5	5	NUM
fsr-3928	199	9	presents	present	NOUN
fsr-3928	199	10	correlation	correlation	NOUN
fsr-3928	199	11	coefficients	coefficient	NOUN
fsr-3928	199	12	among	among	ADP
fsr-3928	199	13	number	number	NOUN
fsr-3928	199	14	of	of	ADP
fsr-3928	199	15	lenders	lender	NOUN
fsr-3928	199	16	contacted	contact	VERB
fsr-3928	199	17	,	,	PUNCT
fsr-3928	199	18	number	number	NOUN
fsr-3928	199	19	of	of	ADP
fsr-3928	199	20	sources	source	NOUN
fsr-3928	199	21	consulted	consult	VERB
fsr-3928	199	22	,	,	PUNCT
fsr-3928	199	23	number	number	NOUN
fsr-3928	199	24	of	of	ADP
fsr-3928	199	25	terms	term	NOUN
fsr-3928	199	26	compared	compare	VERB
fsr-3928	199	27	,	,	PUNCT
fsr-3928	199	28	and	and	CCONJ
fsr-3928	199	29	perceived	perceive	VERB
fsr-3928	199	30	extent	extent	NOUN
fsr-3928	199	31	of	of	ADP
fsr-3928	199	32	search	search	NOUN
fsr-3928	199	33	.	.	PUNCT
fsr-3928	200	1	although	although	SCONJ
fsr-3928	200	2	all	all	PRON
fsr-3928	200	3	of	of	ADP
fsr-3928	200	4	the	the	DET
fsr-3928	200	5	search	search	NOUN
fsr-3928	200	6	measures	measure	NOUN
fsr-3928	200	7	were	be	AUX
fsr-3928	200	8	significantly	significantly	ADV
fsr-3928	200	9	and	and	CCONJ
fsr-3928	200	10	positively	positively	ADV
fsr-3928	200	11	correlated	correlate	VERB
fsr-3928	200	12	,	,	PUNCT
fsr-3928	200	13	the	the	DET
fsr-3928	200	14	magnitudes	magnitude	NOUN
fsr-3928	200	15	of	of	ADP
fsr-3928	200	16	correlation	correlation	NOUN
fsr-3928	200	17	coefficients	coefficient	NOUN
fsr-3928	200	18	generally	generally	ADV
fsr-3928	200	19	are	be	AUX
fsr-3928	200	20	not	not	PART
fsr-3928	200	21	great	great	ADJ
fsr-3928	200	22	.	.	PUNCT
fsr-3928	201	1	for	for	ADP
fsr-3928	201	2	example	example	NOUN
fsr-3928	201	3	,	,	PUNCT
fsr-3928	201	4	the	the	DET
fsr-3928	201	5	correlation	correlation	NOUN
fsr-3928	201	6	coefficient	coefficient	NOUN
fsr-3928	201	7	between	between	ADP
fsr-3928	201	8	number	number	NOUN
fsr-3928	201	9	of	of	ADP
fsr-3928	201	10	terms	term	NOUN
fsr-3928	201	11	compared	compare	VERB
fsr-3928	201	12	and	and	CCONJ
fsr-3928	201	13	number	number	NOUN
fsr-3928	201	14	of	of	ADP
fsr-3928	201	15	lenders	lender	NOUN
fsr-3928	201	16	considered	consider	VERB
fsr-3928	201	17	is	be	AUX
fsr-3928	201	18	0.44	0.44	NUM
fsr-3928	201	19	,	,	PUNCT
fsr-3928	201	20	suggesting	suggest	VERB
fsr-3928	201	21	that	that	SCONJ
fsr-3928	201	22	these	these	PRON
fsr-3928	201	23	are	be	AUX
fsr-3928	201	24	two	two	NUM
fsr-3928	201	25	different	different	ADJ
fsr-3928	201	26	dimensions	dimension	NOUN
fsr-3928	201	27	of	of	ADP
fsr-3928	201	28	search	search	NOUN
fsr-3928	201	29	.	.	PUNCT
fsr-3928	202	1	similarly	similarly	ADV
fsr-3928	202	2	,	,	PUNCT
fsr-3928	202	3	the	the	DET
fsr-3928	202	4	correlation	correlation	NOUN
fsr-3928	202	5	coefficients	coefficient	VERB
fsr-3928	202	6	among	among	ADP
fsr-3928	202	7	number	number	NOUN
fsr-3928	202	8	of	of	ADP
fsr-3928	202	9	lenders	lender	NOUN
fsr-3928	202	10	considered	consider	VERB
fsr-3928	202	11	,	,	PUNCT
fsr-3928	202	12	number	number	NOUN
fsr-3928	202	13	of	of	ADP
fsr-3928	202	14	information	information	NOUN
fsr-3928	202	15	sources	source	NOUN
fsr-3928	202	16	consulted	consult	VERB
fsr-3928	202	17	,	,	PUNCT
fsr-3928	202	18	and	and	CCONJ
fsr-3928	202	19	number	number	NOUN
fsr-3928	202	20	of	of	ADP
fsr-3928	202	21	terms	term	NOUN
fsr-3928	202	22	compared	compare	VERB
fsr-3928	202	23	all	all	PRON
fsr-3928	202	24	suggest	suggest	VERB
fsr-3928	202	25	significant	significant	ADJ
fsr-3928	202	26	relationships	relationship	NOUN
fsr-3928	202	27	,	,	PUNCT
fsr-3928	202	28	but	but	CCONJ
fsr-3928	202	29	each	each	PRON
fsr-3928	202	30	seems	seem	VERB
fsr-3928	202	31	to	to	PART
fsr-3928	202	32	include	include	VERB
fsr-3928	202	33	unique	unique	ADJ
fsr-3928	202	34	characteristics	characteristic	NOUN
fsr-3928	202	35	that	that	PRON
fsr-3928	202	36	were	be	AUX
fsr-3928	202	37	not	not	PART
fsr-3928	202	38	captured	capture	VERB
fsr-3928	202	39	by	by	ADP
fsr-3928	202	40	the	the	DET
fsr-3928	202	41	other	other	ADJ
fsr-3928	202	42	measures	measure	NOUN
fsr-3928	202	43	.	.	PUNCT
fsr-3928	203	1	the	the	DET
fsr-3928	203	2	correlation	correlation	NOUN
fsr-3928	203	3	coefficients	coefficient	VERB
fsr-3928	203	4	between	between	ADP
fsr-3928	203	5	the	the	DET
fsr-3928	203	6	perceived	perceive	VERB
fsr-3928	203	7	extent	extent	NOUN
fsr-3928	203	8	of	of	ADP
fsr-3928	203	9	search	search	NOUN
fsr-3928	203	10	and	and	CCONJ
fsr-3928	203	11	these	these	DET
fsr-3928	203	12	other	other	ADJ
fsr-3928	203	13	measures	measure	NOUN
fsr-3928	203	14	are	be	AUX
fsr-3928	203	15	around	around	ADP
fsr-3928	203	16	0.45–0.59	0.45–0.59	NUM
fsr-3928	203	17	,	,	PUNCT
fsr-3928	203	18	indicating	indicate	VERB
fsr-3928	203	19	the	the	DET
fsr-3928	203	20	limitation	limitation	NOUN
fsr-3928	203	21	of	of	ADP
fsr-3928	203	22	employing	employ	VERB
fsr-3928	203	23	a	a	DET
fsr-3928	203	24	single	single	ADJ
fsr-3928	203	25	measure	measure	NOUN
fsr-3928	203	26	and	and	CCONJ
fsr-3928	203	27	the	the	DET
fsr-3928	203	28	importance	importance	NOUN
fsr-3928	203	29	of	of	ADP
fsr-3928	203	30	measuring	measure	VERB
fsr-3928	203	31	different	different	ADJ
fsr-3928	203	32	dimensions	dimension	NOUN
fsr-3928	203	33	of	of	ADP
fsr-3928	203	34	search	search	NOUN
fsr-3928	203	35	behavior	behavior	NOUN
fsr-3928	203	36	.	.	PUNCT
fsr-3928	204	1	6	6	X
fsr-3928	204	2	.	.	X
fsr-3928	204	3	discussion	discussion	NOUN
fsr-3928	204	4	,	,	PUNCT
fsr-3928	204	5	conclusions	conclusion	NOUN
fsr-3928	204	6	,	,	PUNCT
fsr-3928	204	7	and	and	CCONJ
fsr-3928	204	8	implications	implication	NOUN
fsr-3928	204	9	this	this	DET
fsr-3928	204	10	paper	paper	NOUN
fsr-3928	204	11	has	have	AUX
fsr-3928	204	12	demonstrated	demonstrate	VERB
fsr-3928	204	13	that	that	SCONJ
fsr-3928	204	14	consumers	consumer	NOUN
fsr-3928	204	15	use	use	VERB
fsr-3928	204	16	a	a	DET
fsr-3928	204	17	variety	variety	NOUN
fsr-3928	204	18	of	of	ADP
fsr-3928	204	19	sources	source	NOUN
fsr-3928	204	20	of	of	ADP
fsr-3928	204	21	information	information	NOUN
fsr-3928	204	22	,	,	PUNCT
fsr-3928	204	23	they	they	PRON
fsr-3928	204	24	search	search	VERB
fsr-3928	204	25	for	for	ADP
fsr-3928	204	26	a	a	DET
fsr-3928	204	27	variety	variety	NOUN
fsr-3928	204	28	of	of	ADP
fsr-3928	204	29	terms	term	NOUN
fsr-3928	204	30	,	,	PUNCT
fsr-3928	204	31	and	and	CCONJ
fsr-3928	204	32	on	on	ADP
fsr-3928	204	33	average	average	ADJ
fsr-3928	204	34	,	,	PUNCT
fsr-3928	204	35	they	they	PRON
fsr-3928	204	36	seek	seek	VERB
fsr-3928	204	37	out	out	ADP
fsr-3928	204	38	a	a	DET
fsr-3928	204	39	moderate	moderate	ADJ
fsr-3928	204	40	amount	amount	NOUN
fsr-3928	204	41	of	of	ADP
fsr-3928	204	42	information	information	NOUN
fsr-3928	204	43	.	.	PUNCT
fsr-3928	205	1	furthermore	furthermore	ADV
fsr-3928	205	2	,	,	PUNCT
fsr-3928	205	3	there	there	PRON
fsr-3928	205	4	are	be	VERB
fsr-3928	205	5	significant	significant	ADJ
fsr-3928	205	6	interdependencies	interdependency	NOUN
fsr-3928	205	7	in	in	ADP
fsr-3928	205	8	the	the	DET
fsr-3928	205	9	features	feature	NOUN
fsr-3928	205	10	compared	compare	VERB
fsr-3928	205	11	in	in	ADP
fsr-3928	205	12	the	the	DET
fsr-3928	205	13	search	search	NOUN
fsr-3928	205	14	process	process	NOUN
fsr-3928	205	15	.	.	PUNCT
fsr-3928	206	1	for	for	ADP
fsr-3928	206	2	mortgage	mortgage	NOUN
fsr-3928	206	3	loans	loan	NOUN
fsr-3928	206	4	in	in	ADP
fsr-3928	206	5	particular	particular	ADJ
fsr-3928	206	6	,	,	PUNCT
fsr-3928	206	7	consumers	consumer	NOUN
fsr-3928	206	8	used	use	VERB
fsr-3928	206	9	information	information	NOUN
fsr-3928	206	10	from	from	ADP
fsr-3928	206	11	banks	bank	NOUN
fsr-3928	206	12	and	and	CCONJ
fsr-3928	206	13	mortgage	mortgage	NOUN
fsr-3928	206	14	companies	company	NOUN
fsr-3928	206	15	as	as	ADP
fsr-3928	206	16	substitutes	substitute	NOUN
fsr-3928	206	17	when	when	SCONJ
fsr-3928	206	18	they	they	PRON
fsr-3928	206	19	did	do	AUX
fsr-3928	206	20	not	not	PART
fsr-3928	206	21	obtain	obtain	VERB
fsr-3928	206	22	information	information	NOUN
fsr-3928	206	23	from	from	ADP
fsr-3928	206	24	real	real	ADJ
fsr-3928	206	25	estate	estate	NOUN
fsr-3928	206	26	agents	agent	NOUN
fsr-3928	206	27	but	but	CCONJ
fsr-3928	206	28	used	use	VERB
fsr-3928	206	29	banks	bank	NOUN
fsr-3928	206	30	and	and	CCONJ
fsr-3928	206	31	mortgage	mortgage	NOUN
fsr-3928	206	32	companies	company	NOUN
fsr-3928	206	33	as	as	ADP
fsr-3928	206	34	information	information	NOUN
fsr-3928	206	35	-	-	PUNCT
fsr-3928	206	36	complements	complement	NOUN
fsr-3928	206	37	when	when	SCONJ
fsr-3928	206	38	they	they	PRON
fsr-3928	206	39	also	also	ADV
fsr-3928	206	40	obtained	obtain	VERB
fsr-3928	206	41	information	information	NOUN
fsr-3928	206	42	from	from	ADP
fsr-3928	206	43	real	real	ADJ
fsr-3928	206	44	estate	estate	NOUN
fsr-3928	206	45	agents	agent	NOUN
fsr-3928	206	46	.	.	PUNCT
fsr-3928	207	1	in	in	ADP
fsr-3928	207	2	the	the	DET
fsr-3928	207	3	same	same	ADJ
fsr-3928	207	4	vein	vein	NOUN
fsr-3928	207	5	,	,	PUNCT
fsr-3928	207	6	consumers	consumer	NOUN
fsr-3928	207	7	used	use	VERB
fsr-3928	207	8	information	information	NOUN
fsr-3928	207	9	from	from	ADP
fsr-3928	207	10	banks	bank	NOUN
fsr-3928	207	11	and	and	CCONJ
fsr-3928	207	12	mortgage	mortgage	NOUN
fsr-3928	207	13	companies	company	NOUN
fsr-3928	207	14	as	as	ADP
fsr-3928	207	15	complements	complement	NOUN
fsr-3928	207	16	when	when	SCONJ
fsr-3928	207	17	they	they	PRON
fsr-3928	207	18	did	do	AUX
fsr-3928	207	19	not	not	PART
fsr-3928	207	20	obtain	obtain	VERB
fsr-3928	207	21	information	information	NOUN
fsr-3928	207	22	table	table	NOUN
fsr-3928	207	23	5	5	NUM
fsr-3928	207	24	interdependency	interdependency	NOUN
fsr-3928	207	25	among	among	ADP
fsr-3928	207	26	information	information	NOUN
fsr-3928	207	27	search	search	NOUN
fsr-3928	207	28	measures	measure	NOUN
fsr-3928	207	29	:	:	PUNCT
fsr-3928	207	30	number	number	NOUN
fsr-3928	207	31	of	of	ADP
fsr-3928	207	32	lenders	lender	NOUN
fsr-3928	207	33	contacted	contact	VERB
fsr-3928	207	34	,	,	PUNCT
fsr-3928	207	35	number	number	NOUN
fsr-3928	207	36	of	of	ADP
fsr-3928	207	37	sources	source	NOUN
fsr-3928	207	38	consulted	consult	VERB
fsr-3928	207	39	,	,	PUNCT
fsr-3928	207	40	and	and	CCONJ
fsr-3928	207	41	number	number	NOUN
fsr-3928	207	42	of	of	ADP
fsr-3928	207	43	terms	term	NOUN
fsr-3928	207	44	compared	compare	VERB
fsr-3928	207	45	;	;	PUNCT
fsr-3928	207	46	correlation	correlation	NOUN
fsr-3928	207	47	coefficients	coefficient	NOUN
fsr-3928	207	48	(	(	PUNCT
fsr-3928	207	49	p	p	NOUN
fsr-3928	207	50	-	-	PUNCT
fsr-3928	207	51	value	value	NOUN
fsr-3928	207	52	)	)	PUNCT
fsr-3928	207	53	number	number	NOUN
fsr-3928	207	54	of	of	ADP
fsr-3928	207	55	lenders	lender	NOUN
fsr-3928	207	56	considered	consider	VERB
fsr-3928	207	57	number	number	NOUN
fsr-3928	207	58	of	of	ADP
fsr-3928	207	59	sources	source	NOUN
fsr-3928	207	60	consulted	consult	VERB
fsr-3928	207	61	number	number	NOUN
fsr-3928	207	62	of	of	ADP
fsr-3928	207	63	terms	term	NOUN
fsr-3928	207	64	compared	compare	VERB
fsr-3928	207	65	extent	extent	NOUN
fsr-3928	207	66	of	of	ADP
fsr-3928	207	67	search	search	NOUN
fsr-3928	207	68	number	number	NOUN
fsr-3928	207	69	of	of	ADP
fsr-3928	207	70	lenders	lender	NOUN
fsr-3928	207	71	contacted	contact	VERB
fsr-3928	207	72	1.0000	1.0000	NUM
fsr-3928	207	73	0.5438	0.5438	NUM
fsr-3928	207	74	0.4377	0.4377	NUM
fsr-3928	207	75	0.5891	0.5891	NUM
fsr-3928	207	76	(	(	PUNCT
fsr-3928	207	77	0.0000	0.0000	NUM
fsr-3928	207	78	)	)	PUNCT
fsr-3928	207	79	(	(	PUNCT
fsr-3928	207	80	0.0001	0.0001	NUM
fsr-3928	207	81	)	)	PUNCT
fsr-3928	207	82	(	(	PUNCT
fsr-3928	207	83	0.0055	0.0055	NUM
fsr-3928	207	84	)	)	PUNCT
fsr-3928	207	85	(	(	PUNCT
fsr-3928	207	86	0.0001	0.0001	NUM
fsr-3928	207	87	)	)	PUNCT
fsr-3928	207	88	number	number	NOUN
fsr-3928	207	89	of	of	ADP
fsr-3928	207	90	sources	source	NOUN
fsr-3928	207	91	consulted	consult	VERB
fsr-3928	207	92	1.0000	1.0000	NUM
fsr-3928	207	93	0.6268	0.6268	NUM
fsr-3928	207	94	0.4674	0.4674	NUM
fsr-3928	207	95	(	(	PUNCT
fsr-3928	207	96	0.0000	0.0000	NUM
fsr-3928	207	97	)	)	PUNCT
fsr-3928	207	98	(	(	PUNCT
fsr-3928	207	99	0.0001	0.0001	NUM
fsr-3928	207	100	)	)	PUNCT
fsr-3928	207	101	(	(	PUNCT
fsr-3928	207	102	0.0001	0.0001	NUM
fsr-3928	207	103	)	)	PUNCT
fsr-3928	207	104	number	number	NOUN
fsr-3928	207	105	of	of	ADP
fsr-3928	207	106	terms	term	NOUN
fsr-3928	207	107	compared	compare	VERB
fsr-3928	207	108	1.0000	1.0000	NUM
fsr-3928	207	109	0.4552	0.4552	NUM
fsr-3928	207	110	(	(	PUNCT
fsr-3928	207	111	0.0000	0.0000	NUM
fsr-3928	207	112	)	)	PUNCT
fsr-3928	207	113	(	(	PUNCT
fsr-3928	207	114	0.0001	0.0001	NUM
fsr-3928	207	115	)	)	PUNCT
fsr-3928	207	116	extent	extent	NOUN
fsr-3928	207	117	of	of	ADP
fsr-3928	207	118	search	search	NOUN
fsr-3928	207	119	1.0000	1.0000	NUM
fsr-3928	207	120	(	(	PUNCT
fsr-3928	207	121	0.0001	0.0001	NUM
fsr-3928	207	122	)	)	PUNCT
fsr-3928	207	123	290	290	NUM
fsr-3928	207	124	j.m	j.m	PROPN
fsr-3928	207	125	.	.	PROPN
fsr-3928	207	126	hogarth	hogarth	PROPN
fsr-3928	207	127	,	,	PUNCT
fsr-3928	207	128	j.	j.	PROPN
fsr-3928	207	129	lee	lee	PROPN
fsr-3928	207	130	/	/	SYM
fsr-3928	207	131	financial	financial	PROPN
fsr-3928	207	132	services	service	NOUN
fsr-3928	207	133	review	review	VERB
fsr-3928	207	134	9	9	NUM
fsr-3928	207	135	(	(	PUNCT
fsr-3928	207	136	2000	2000	NUM
fsr-3928	207	137	)	)	PUNCT
fsr-3928	208	1	277–293	277–293	NUM
fsr-3928	208	2	from	from	ADP
fsr-3928	208	3	family	family	NOUN
fsr-3928	208	4	and	and	CCONJ
fsr-3928	208	5	friends	friend	NOUN
fsr-3928	208	6	but	but	CCONJ
fsr-3928	208	7	used	use	VERB
fsr-3928	208	8	banks	bank	NOUN
fsr-3928	208	9	and	and	CCONJ
fsr-3928	208	10	mortgage	mortgage	NOUN
fsr-3928	208	11	companies	company	NOUN
fsr-3928	208	12	as	as	ADP
fsr-3928	208	13	information	information	NOUN
fsr-3928	208	14	-	-	PUNCT
fsr-3928	208	15	substitutes	substitute	NOUN
fsr-3928	208	16	when	when	SCONJ
fsr-3928	208	17	they	they	PRON
fsr-3928	208	18	also	also	ADV
fsr-3928	208	19	obtained	obtain	VERB
fsr-3928	208	20	information	information	NOUN
fsr-3928	208	21	from	from	ADP
fsr-3928	208	22	family	family	NOUN
fsr-3928	208	23	and	and	CCONJ
fsr-3928	208	24	friends	friend	NOUN
fsr-3928	208	25	.	.	PUNCT
fsr-3928	209	1	the	the	DET
fsr-3928	209	2	interaction	interaction	NOUN
fsr-3928	209	3	among	among	ADP
fsr-3928	209	4	the	the	DET
fsr-3928	209	5	features	feature	NOUN
fsr-3928	209	6	that	that	SCONJ
fsr-3928	209	7	consumers	consumer	NOUN
fsr-3928	209	8	compared	compare	VERB
fsr-3928	209	9	is	be	AUX
fsr-3928	209	10	of	of	ADP
fsr-3928	209	11	potential	potential	ADJ
fsr-3928	209	12	interest	interest	NOUN
fsr-3928	209	13	to	to	ADP
fsr-3928	209	14	policy	policy	NOUN
fsr-3928	209	15	makers	maker	NOUN
fsr-3928	209	16	.	.	PUNCT
fsr-3928	210	1	when	when	SCONJ
fsr-3928	210	2	deciding	decide	VERB
fsr-3928	210	3	what	what	PRON
fsr-3928	210	4	terms	term	NOUN
fsr-3928	210	5	and	and	CCONJ
fsr-3928	210	6	conditions	condition	NOUN
fsr-3928	210	7	to	to	PART
fsr-3928	210	8	include	include	VERB
fsr-3928	210	9	in	in	ADP
fsr-3928	210	10	mandatory	mandatory	ADJ
fsr-3928	210	11	disclosures	disclosure	NOUN
fsr-3928	210	12	,	,	PUNCT
fsr-3928	210	13	it	it	PRON
fsr-3928	210	14	may	may	AUX
fsr-3928	210	15	be	be	AUX
fsr-3928	210	16	useful	useful	ADJ
fsr-3928	210	17	to	to	PART
fsr-3928	210	18	know	know	VERB
fsr-3928	210	19	,	,	PUNCT
fsr-3928	210	20	for	for	ADP
fsr-3928	210	21	example	example	NOUN
fsr-3928	210	22	,	,	PUNCT
fsr-3928	210	23	that	that	SCONJ
fsr-3928	210	24	consumers	consumer	NOUN
fsr-3928	210	25	who	who	PRON
fsr-3928	210	26	compare	compare	VERB
fsr-3928	210	27	interest	interest	NOUN
fsr-3928	210	28	rates	rate	NOUN
fsr-3928	210	29	or	or	CCONJ
fsr-3928	210	30	aprs	aprs	NOUN
fsr-3928	210	31	are	be	AUX
fsr-3928	210	32	likely	likely	ADJ
fsr-3928	210	33	to	to	PART
fsr-3928	210	34	also	also	ADV
fsr-3928	210	35	compare	compare	VERB
fsr-3928	210	36	monthly	monthly	ADJ
fsr-3928	210	37	payments	payment	NOUN
fsr-3928	210	38	.	.	PUNCT
fsr-3928	211	1	thus	thus	ADV
fsr-3928	211	2	,	,	PUNCT
fsr-3928	211	3	it	it	PRON
fsr-3928	211	4	may	may	AUX
fsr-3928	211	5	be	be	AUX
fsr-3928	211	6	better	well	ADJ
fsr-3928	211	7	to	to	PART
fsr-3928	211	8	require	require	VERB
fsr-3928	211	9	disclosure	disclosure	NOUN
fsr-3928	211	10	of	of	ADP
fsr-3928	211	11	a	a	DET
fsr-3928	211	12	feature	feature	NOUN
fsr-3928	211	13	consumers	consumer	NOUN
fsr-3928	211	14	are	be	AUX
fsr-3928	211	15	not	not	PART
fsr-3928	211	16	going	go	VERB
fsr-3928	211	17	to	to	PART
fsr-3928	211	18	actively	actively	ADV
fsr-3928	211	19	seek	seek	VERB
fsr-3928	211	20	out	out	ADP
fsr-3928	211	21	on	on	ADP
fsr-3928	211	22	their	their	PRON
fsr-3928	211	23	own	own	ADJ
fsr-3928	211	24	rather	rather	ADV
fsr-3928	211	25	than	than	ADP
fsr-3928	211	26	one	one	NUM
fsr-3928	211	27	that	that	PRON
fsr-3928	211	28	,	,	PUNCT
fsr-3928	211	29	although	although	SCONJ
fsr-3928	211	30	important	important	ADJ
fsr-3928	211	31	,	,	PUNCT
fsr-3928	211	32	they	they	PRON
fsr-3928	211	33	will	will	AUX
fsr-3928	211	34	“	"	PUNCT
fsr-3928	211	35	always	always	ADV
fsr-3928	211	36	”	"	PUNCT
fsr-3928	211	37	look	look	VERB
fsr-3928	211	38	for	for	ADP
fsr-3928	211	39	.	.	PUNCT
fsr-3928	212	1	the	the	DET
fsr-3928	212	2	current	current	ADJ
fsr-3928	212	3	truth	truth	NOUN
fsr-3928	212	4	in	in	ADP
fsr-3928	212	5	lending	lending	NOUN
fsr-3928	212	6	act	act	NOUN
fsr-3928	212	7	disclosures	disclosure	NOUN
fsr-3928	212	8	provide	provide	VERB
fsr-3928	212	9	information	information	NOUN
fsr-3928	212	10	on	on	ADP
fsr-3928	212	11	the	the	DET
fsr-3928	212	12	apr	apr	NOUN
fsr-3928	212	13	,	,	PUNCT
fsr-3928	212	14	the	the	DET
fsr-3928	212	15	finance	finance	NOUN
fsr-3928	212	16	charge	charge	NOUN
fsr-3928	212	17	(	(	PUNCT
fsr-3928	212	18	which	which	PRON
fsr-3928	212	19	includes	include	VERB
fsr-3928	212	20	a	a	DET
fsr-3928	212	21	wide	wide	ADJ
fsr-3928	212	22	variety	variety	NOUN
fsr-3928	212	23	of	of	ADP
fsr-3928	212	24	fees	fee	NOUN
fsr-3928	212	25	and	and	CCONJ
fsr-3928	212	26	charges	charge	NOUN
fsr-3928	212	27	)	)	PUNCT
fsr-3928	212	28	,	,	PUNCT
fsr-3928	212	29	the	the	DET
fsr-3928	212	30	amount	amount	NOUN
fsr-3928	212	31	financed	finance	VERB
fsr-3928	212	32	,	,	PUNCT
fsr-3928	212	33	the	the	DET
fsr-3928	212	34	total	total	NOUN
fsr-3928	212	35	of	of	ADP
fsr-3928	212	36	payments	payment	NOUN
fsr-3928	212	37	,	,	PUNCT
fsr-3928	212	38	a	a	DET
fsr-3928	212	39	payment	payment	NOUN
fsr-3928	212	40	schedule	schedule	NOUN
fsr-3928	212	41	(	(	PUNCT
fsr-3928	212	42	the	the	DET
fsr-3928	212	43	number	number	NOUN
fsr-3928	212	44	and	and	CCONJ
fsr-3928	212	45	amount	amount	NOUN
fsr-3928	212	46	of	of	ADP
fsr-3928	212	47	the	the	DET
fsr-3928	212	48	payments	payment	NOUN
fsr-3928	212	49	and	and	CCONJ
fsr-3928	212	50	when	when	SCONJ
fsr-3928	212	51	these	these	PRON
fsr-3928	212	52	are	be	AUX
fsr-3928	212	53	due	due	ADJ
fsr-3928	212	54	)	)	PUNCT
fsr-3928	212	55	,	,	PUNCT
fsr-3928	212	56	“	"	PUNCT
fsr-3928	212	57	opt	opt	VERB
fsr-3928	212	58	-	-	PUNCT
fsr-3928	212	59	in	in	ADP
fsr-3928	212	60	”	"	PUNCT
fsr-3928	212	61	provisions	provision	NOUN
fsr-3928	212	62	for	for	ADP
fsr-3928	212	63	credit	credit	NOUN
fsr-3928	212	64	insurance	insurance	NOUN
fsr-3928	212	65	,	,	PUNCT
fsr-3928	212	66	whether	whether	SCONJ
fsr-3928	212	67	there	there	PRON
fsr-3928	212	68	is	be	VERB
fsr-3928	212	69	a	a	DET
fsr-3928	212	70	security	security	NOUN
fsr-3928	212	71	interest	interest	NOUN
fsr-3928	212	72	,	,	PUNCT
fsr-3928	212	73	filing	filing	NOUN
fsr-3928	212	74	fees	fee	NOUN
fsr-3928	212	75	,	,	PUNCT
fsr-3928	212	76	late	late	ADJ
fsr-3928	212	77	charges	charge	NOUN
fsr-3928	212	78	,	,	PUNCT
fsr-3928	212	79	and	and	CCONJ
fsr-3928	212	80	prepayment	prepayment	NOUN
fsr-3928	212	81	penalties	penalty	NOUN
fsr-3928	212	82	.	.	PUNCT
fsr-3928	213	1	in	in	ADP
fsr-3928	213	2	addition	addition	NOUN
fsr-3928	213	3	,	,	PUNCT
fsr-3928	213	4	the	the	DET
fsr-3928	213	5	real	real	ADJ
fsr-3928	213	6	estate	estate	NOUN
fsr-3928	213	7	settlement	settlement	NOUN
fsr-3928	213	8	procedures	procedure	NOUN
fsr-3928	213	9	act	act	NOUN
fsr-3928	213	10	requires	require	VERB
fsr-3928	213	11	a	a	DET
fsr-3928	213	12	preliminary	preliminary	ADJ
fsr-3928	213	13	good	good	ADJ
fsr-3928	213	14	faith	faith	NOUN
fsr-3928	213	15	estimate	estimate	NOUN
fsr-3928	213	16	of	of	ADP
fsr-3928	213	17	settlement	settlement	NOUN
fsr-3928	213	18	costs	cost	NOUN
fsr-3928	213	19	including	include	VERB
fsr-3928	213	20	an	an	DET
fsr-3928	213	21	itemized	itemize	VERB
fsr-3928	213	22	list	list	NOUN
fsr-3928	213	23	of	of	ADP
fsr-3928	213	24	a	a	DET
fsr-3928	213	25	wide	wide	ADJ
fsr-3928	213	26	range	range	NOUN
fsr-3928	213	27	of	of	ADP
fsr-3928	213	28	fees	fee	NOUN
fsr-3928	213	29	.	.	PUNCT
fsr-3928	214	1	in	in	ADP
fsr-3928	214	2	all	all	PRON
fsr-3928	214	3	,	,	PUNCT
fsr-3928	214	4	there	there	PRON
fsr-3928	214	5	are	be	VERB
fsr-3928	214	6	dozens	dozen	NOUN
fsr-3928	214	7	of	of	ADP
fsr-3928	214	8	features	feature	NOUN
fsr-3928	214	9	and	and	CCONJ
fsr-3928	214	10	costs	cost	NOUN
fsr-3928	214	11	disclosed	disclose	VERB
fsr-3928	214	12	per	per	ADP
fsr-3928	214	13	loan	loan	NOUN
fsr-3928	214	14	,	,	PUNCT
fsr-3928	214	15	far	far	ADV
fsr-3928	214	16	in	in	ADP
fsr-3928	214	17	excess	excess	NOUN
fsr-3928	214	18	of	of	ADP
fsr-3928	214	19	the	the	DET
fsr-3928	214	20	combination	combination	NOUN
fsr-3928	214	21	of	of	ADP
fsr-3928	214	22	terms	term	NOUN
fsr-3928	214	23	,	,	PUNCT
fsr-3928	214	24	lenders	lender	NOUN
fsr-3928	214	25	,	,	PUNCT
fsr-3928	214	26	and	and	CCONJ
fsr-3928	214	27	information	information	NOUN
fsr-3928	214	28	sources	source	NOUN
fsr-3928	214	29	consumers	consumer	NOUN
fsr-3928	214	30	report	report	VERB
fsr-3928	214	31	using	use	VERB
fsr-3928	214	32	when	when	SCONJ
fsr-3928	214	33	shopping	shopping	NOUN
fsr-3928	214	34	.	.	PUNCT
fsr-3928	215	1	however	however	ADV
fsr-3928	215	2	,	,	PUNCT
fsr-3928	215	3	while	while	SCONJ
fsr-3928	215	4	the	the	DET
fsr-3928	215	5	results	result	NOUN
fsr-3928	215	6	of	of	ADP
fsr-3928	215	7	this	this	DET
fsr-3928	215	8	study	study	NOUN
fsr-3928	215	9	suggest	suggest	VERB
fsr-3928	215	10	that	that	SCONJ
fsr-3928	215	11	consumers	consumer	NOUN
fsr-3928	215	12	do	do	AUX
fsr-3928	215	13	not	not	PART
fsr-3928	215	14	always	always	ADV
fsr-3928	215	15	use	use	VERB
fsr-3928	215	16	all	all	PRON
fsr-3928	215	17	of	of	ADP
fsr-3928	215	18	this	this	DET
fsr-3928	215	19	information	information	NOUN
fsr-3928	215	20	in	in	ADP
fsr-3928	215	21	comparison	comparison	NOUN
fsr-3928	215	22	shopping	shopping	NOUN
fsr-3928	215	23	,	,	PUNCT
fsr-3928	215	24	it	it	PRON
fsr-3928	215	25	is	be	AUX
fsr-3928	215	26	clear	clear	ADJ
fsr-3928	215	27	that	that	SCONJ
fsr-3928	215	28	different	different	ADJ
fsr-3928	215	29	consumers	consumer	NOUN
fsr-3928	215	30	shop	shop	VERB
fsr-3928	215	31	for	for	ADP
fsr-3928	215	32	different	different	ADJ
fsr-3928	215	33	sets	set	NOUN
fsr-3928	215	34	of	of	ADP
fsr-3928	215	35	features	feature	NOUN
fsr-3928	215	36	;	;	PUNCT
fsr-3928	215	37	thus	thus	ADV
fsr-3928	215	38	information	information	NOUN
fsr-3928	215	39	on	on	ADP
fsr-3928	215	40	a	a	DET
fsr-3928	215	41	range	range	NOUN
fsr-3928	215	42	of	of	ADP
fsr-3928	215	43	features	feature	NOUN
fsr-3928	215	44	needs	need	VERB
fsr-3928	215	45	to	to	PART
fsr-3928	215	46	continue	continue	VERB
fsr-3928	215	47	to	to	PART
fsr-3928	215	48	be	be	AUX
fsr-3928	215	49	available	available	ADJ
fsr-3928	215	50	.	.	PUNCT
fsr-3928	216	1	in	in	ADP
fsr-3928	216	2	july	july	PROPN
fsr-3928	216	3	,	,	PUNCT
fsr-3928	216	4	1998	1998	NUM
fsr-3928	216	5	,	,	PUNCT
fsr-3928	216	6	the	the	DET
fsr-3928	216	7	federal	federal	PROPN
fsr-3928	216	8	reserve	reserve	PROPN
fsr-3928	216	9	board	board	PROPN
fsr-3928	216	10	and	and	CCONJ
fsr-3928	216	11	the	the	DET
fsr-3928	216	12	department	department	NOUN
fsr-3928	216	13	of	of	ADP
fsr-3928	216	14	housing	housing	PROPN
fsr-3928	216	15	and	and	CCONJ
fsr-3928	216	16	urban	urban	PROPN
fsr-3928	216	17	development	development	NOUN
fsr-3928	216	18	issued	issue	VERB
fsr-3928	216	19	a	a	DET
fsr-3928	216	20	joint	joint	ADJ
fsr-3928	216	21	report	report	NOUN
fsr-3928	216	22	to	to	ADP
fsr-3928	216	23	congress	congress	PROPN
fsr-3928	216	24	,	,	PUNCT
fsr-3928	216	25	recommending	recommend	VERB
fsr-3928	216	26	changes	change	NOUN
fsr-3928	216	27	to	to	ADP
fsr-3928	216	28	the	the	DET
fsr-3928	216	29	disclosures	disclosure	NOUN
fsr-3928	216	30	provided	provide	VERB
fsr-3928	216	31	to	to	ADP
fsr-3928	216	32	consumers	consumer	NOUN
fsr-3928	216	33	during	during	ADP
fsr-3928	216	34	the	the	DET
fsr-3928	216	35	mortgage	mortgage	NOUN
fsr-3928	216	36	application	application	NOUN
fsr-3928	216	37	process	process	NOUN
fsr-3928	216	38	(	(	PUNCT
fsr-3928	216	39	federal	federal	PROPN
fsr-3928	216	40	reserve	reserve	PROPN
fsr-3928	216	41	board	board	PROPN
fsr-3928	216	42	,	,	PUNCT
fsr-3928	216	43	1998	1998	NUM
fsr-3928	216	44	)	)	PUNCT
fsr-3928	216	45	.	.	PUNCT
fsr-3928	217	1	these	these	DET
fsr-3928	217	2	recommendations	recommendation	NOUN
fsr-3928	217	3	included	include	VERB
fsr-3928	217	4	various	various	ADJ
fsr-3928	217	5	ways	way	NOUN
fsr-3928	217	6	of	of	ADP
fsr-3928	217	7	streamlining	streamlining	NOUN
fsr-3928	217	8	and	and	CCONJ
fsr-3928	217	9	simplifying	simplify	VERB
fsr-3928	217	10	mortgage	mortgage	NOUN
fsr-3928	217	11	loan	loan	NOUN
fsr-3928	217	12	disclosures	disclosure	NOUN
fsr-3928	217	13	,	,	PUNCT
fsr-3928	217	14	thus	thus	ADV
fsr-3928	217	15	providing	provide	VERB
fsr-3928	217	16	consumers	consumer	NOUN
fsr-3928	217	17	with	with	ADP
fsr-3928	217	18	more	more	ADV
fsr-3928	217	19	meaningful	meaningful	ADJ
fsr-3928	217	20	cost	cost	NOUN
fsr-3928	217	21	information	information	NOUN
fsr-3928	217	22	.	.	PUNCT
fsr-3928	218	1	in	in	ADP
fsr-3928	218	2	addition	addition	NOUN
fsr-3928	218	3	to	to	ADP
fsr-3928	218	4	simplifying	simplify	VERB
fsr-3928	218	5	disclosures	disclosure	NOUN
fsr-3928	218	6	,	,	PUNCT
fsr-3928	218	7	the	the	DET
fsr-3928	218	8	joint	joint	ADJ
fsr-3928	218	9	report	report	NOUN
fsr-3928	218	10	also	also	ADV
fsr-3928	218	11	addressed	address	VERB
fsr-3928	218	12	the	the	DET
fsr-3928	218	13	issue	issue	NOUN
fsr-3928	218	14	of	of	ADP
fsr-3928	218	15	timing	timing	NOUN
fsr-3928	218	16	of	of	ADP
fsr-3928	218	17	information	information	NOUN
fsr-3928	218	18	and	and	CCONJ
fsr-3928	218	19	disclosures	disclosure	NOUN
fsr-3928	218	20	.	.	PUNCT
fsr-3928	219	1	the	the	DET
fsr-3928	219	2	regulators	regulator	NOUN
fsr-3928	219	3	recognized	recognize	VERB
fsr-3928	219	4	the	the	DET
fsr-3928	219	5	tension	tension	NOUN
fsr-3928	219	6	between	between	ADP
fsr-3928	219	7	providing	provide	VERB
fsr-3928	219	8	information	information	NOUN
fsr-3928	219	9	early	early	ADV
fsr-3928	219	10	in	in	ADP
fsr-3928	219	11	the	the	DET
fsr-3928	219	12	search	search	NOUN
fsr-3928	219	13	process	process	NOUN
fsr-3928	219	14	and	and	CCONJ
fsr-3928	219	15	providing	provide	VERB
fsr-3928	219	16	firm	firm	ADJ
fsr-3928	219	17	,	,	PUNCT
fsr-3928	219	18	accurate	accurate	ADJ
fsr-3928	219	19	information	information	NOUN
fsr-3928	219	20	about	about	ADP
fsr-3928	219	21	the	the	DET
fsr-3928	219	22	terms	term	NOUN
fsr-3928	219	23	,	,	PUNCT
fsr-3928	219	24	conditions	condition	NOUN
fsr-3928	219	25	,	,	PUNCT
fsr-3928	219	26	and	and	CCONJ
fsr-3928	219	27	closing	closing	NOUN
fsr-3928	219	28	costs	cost	NOUN
fsr-3928	219	29	of	of	ADP
fsr-3928	219	30	the	the	DET
fsr-3928	219	31	specific	specific	ADJ
fsr-3928	219	32	loan	loan	NOUN
fsr-3928	219	33	the	the	DET
fsr-3928	219	34	consumer	consumer	NOUN
fsr-3928	219	35	is	be	AUX
fsr-3928	219	36	considering	consider	VERB
fsr-3928	219	37	.	.	PUNCT
fsr-3928	220	1	the	the	DET
fsr-3928	220	2	hud	hud	PROPN
fsr-3928	220	3	recommendation	recommendation	NOUN
fsr-3928	220	4	with	with	ADP
fsr-3928	220	5	respect	respect	NOUN
fsr-3928	220	6	to	to	ADP
fsr-3928	220	7	timing	timing	NOUN
fsr-3928	220	8	was	be	AUX
fsr-3928	220	9	for	for	ADP
fsr-3928	220	10	disclosures	disclosure	NOUN
fsr-3928	220	11	to	to	PART
fsr-3928	220	12	“	"	PUNCT
fsr-3928	220	13	be	be	AUX
fsr-3928	220	14	provided	provide	VERB
fsr-3928	220	15	before	before	SCONJ
fsr-3928	220	16	the	the	DET
fsr-3928	220	17	consumer	consumer	NOUN
fsr-3928	220	18	pays	pay	VERB
fsr-3928	220	19	any	any	DET
fsr-3928	220	20	significant	significant	ADJ
fsr-3928	220	21	fees	fee	NOUN
fsr-3928	220	22	”	"	PUNCT
fsr-3928	220	23	(	(	PUNCT
fsr-3928	220	24	federal	federal	PROPN
fsr-3928	220	25	reserve	reserve	PROPN
fsr-3928	220	26	board	board	PROPN
fsr-3928	220	27	,	,	PUNCT
fsr-3928	220	28	1998	1998	NUM
fsr-3928	220	29	,	,	PUNCT
fsr-3928	220	30	p.	p.	NOUN
fsr-3928	220	31	42	42	NUM
fsr-3928	220	32	)	)	PUNCT
fsr-3928	220	33	.	.	PUNCT
fsr-3928	221	1	the	the	DET
fsr-3928	221	2	board	board	NOUN
fsr-3928	221	3	’s	’s	PART
fsr-3928	221	4	recommendation	recommendation	NOUN
fsr-3928	221	5	was	be	AUX
fsr-3928	221	6	that	that	SCONJ
fsr-3928	221	7	“	"	PUNCT
fsr-3928	221	8	initial	initial	ADJ
fsr-3928	221	9	cost	cost	NOUN
fsr-3928	221	10	disclosures	disclosure	NOUN
fsr-3928	221	11	(	(	PUNCT
fsr-3928	221	12	includingreliable	includingreliable	ADJ
fsr-3928	221	13	closing	closing	NOUN
fsr-3928	221	14	costs	cost	NOUN
fsr-3928	221	15	and	and	CCONJ
fsr-3928	221	16	an	an	DET
fsr-3928	221	17	estimatedapr	estimatedapr	NOUN
fsr-3928	221	18	and	and	CCONJ
fsr-3928	221	19	interest	interest	NOUN
fsr-3928	221	20	rate	rate	NOUN
fsr-3928	221	21	)	)	PUNCT
fsr-3928	221	22	be	be	AUX
fsr-3928	221	23	provided	provide	VERB
fsr-3928	221	24	no	no	ADV
fsr-3928	221	25	later	later	ADV
fsr-3928	221	26	than	than	ADP
fsr-3928	221	27	three	three	NUM
fsr-3928	221	28	days	day	NOUN
fsr-3928	221	29	after	after	ADP
fsr-3928	221	30	application	application	NOUN
fsr-3928	221	31	”	"	PUNCT
fsr-3928	221	32	(	(	PUNCT
fsr-3928	221	33	federal	federal	PROPN
fsr-3928	221	34	reserve	reserve	PROPN
fsr-3928	221	35	board	board	PROPN
fsr-3928	221	36	,	,	PUNCT
fsr-3928	221	37	1998	1998	NUM
fsr-3928	221	38	,	,	PUNCT
fsr-3928	221	39	p.	p.	NOUN
fsr-3928	221	40	43	43	NUM
fsr-3928	221	41	,	,	PUNCT
fsr-3928	221	42	italics	italic	NOUN
fsr-3928	221	43	are	be	AUX
fsr-3928	221	44	in	in	ADP
fsr-3928	221	45	the	the	DET
fsr-3928	221	46	original	original	ADJ
fsr-3928	221	47	document	document	NOUN
fsr-3928	221	48	)	)	PUNCT
fsr-3928	221	49	.	.	PUNCT
fsr-3928	222	1	both	both	DET
fsr-3928	222	2	regulators	regulator	NOUN
fsr-3928	222	3	indicated	indicate	VERB
fsr-3928	222	4	that	that	SCONJ
fsr-3928	222	5	statutory	statutory	ADJ
fsr-3928	222	6	changes	change	NOUN
fsr-3928	222	7	would	would	AUX
fsr-3928	222	8	be	be	AUX
fsr-3928	222	9	needed	need	VERB
fsr-3928	222	10	in	in	ADP
fsr-3928	222	11	order	order	NOUN
fsr-3928	222	12	to	to	PART
fsr-3928	222	13	implement	implement	VERB
fsr-3928	222	14	these	these	DET
fsr-3928	222	15	recommendations	recommendation	NOUN
fsr-3928	222	16	.	.	PUNCT
fsr-3928	223	1	congress	congress	PROPN
fsr-3928	223	2	did	do	AUX
fsr-3928	223	3	not	not	PART
fsr-3928	223	4	act	act	VERB
fsr-3928	223	5	on	on	ADP
fsr-3928	223	6	this	this	DET
fsr-3928	223	7	report	report	NOUN
fsr-3928	223	8	at	at	ADP
fsr-3928	223	9	the	the	DET
fsr-3928	223	10	time	time	NOUN
fsr-3928	223	11	,	,	PUNCT
fsr-3928	223	12	but	but	CCONJ
fsr-3928	223	13	the	the	DET
fsr-3928	223	14	issue	issue	NOUN
fsr-3928	223	15	continues	continue	VERB
fsr-3928	223	16	to	to	PART
fsr-3928	223	17	be	be	AUX
fsr-3928	223	18	on	on	ADP
fsr-3928	223	19	their	their	PRON
fsr-3928	223	20	agenda	agenda	NOUN
fsr-3928	223	21	.	.	PUNCT
fsr-3928	224	1	6.1	6.1	NUM
fsr-3928	224	2	.	.	PUNCT
fsr-3928	224	3	limitations	limitation	NOUN
fsr-3928	224	4	of	of	ADP
fsr-3928	224	5	this	this	DET
fsr-3928	224	6	study	study	NOUN
fsr-3928	224	7	and	and	CCONJ
fsr-3928	224	8	future	future	ADJ
fsr-3928	224	9	research	research	NOUN
fsr-3928	224	10	one	one	NUM
fsr-3928	224	11	of	of	ADP
fsr-3928	224	12	today	today	NOUN
fsr-3928	224	13	’s	’s	PART
fsr-3928	224	14	more	more	ADV
fsr-3928	224	15	important	important	ADJ
fsr-3928	224	16	sources	source	NOUN
fsr-3928	224	17	of	of	ADP
fsr-3928	224	18	information	information	NOUN
fsr-3928	224	19	,	,	PUNCT
fsr-3928	224	20	the	the	DET
fsr-3928	224	21	internet	internet	NOUN
fsr-3928	224	22	,	,	PUNCT
fsr-3928	224	23	was	be	AUX
fsr-3928	224	24	not	not	PART
fsr-3928	224	25	included	include	VERB
fsr-3928	224	26	in	in	ADP
fsr-3928	224	27	this	this	DET
fsr-3928	224	28	study	study	NOUN
fsr-3928	224	29	.	.	PUNCT
fsr-3928	225	1	the	the	DET
fsr-3928	225	2	internet	internet	NOUN
fsr-3928	225	3	provides	provide	VERB
fsr-3928	225	4	both	both	PRON
fsr-3928	225	5	a	a	DET
fsr-3928	225	6	source	source	NOUN
fsr-3928	225	7	of	of	ADP
fsr-3928	225	8	information	information	NOUN
fsr-3928	225	9	as	as	ADV
fsr-3928	225	10	well	well	ADV
fsr-3928	225	11	as	as	ADP
fsr-3928	225	12	a	a	DET
fsr-3928	225	13	set	set	NOUN
fsr-3928	225	14	of	of	ADP
fsr-3928	225	15	sellers	seller	NOUN
fsr-3928	225	16	for	for	ADP
fsr-3928	225	17	comparisons	comparison	NOUN
fsr-3928	225	18	.	.	PUNCT
fsr-3928	226	1	numerous	numerous	ADJ
fsr-3928	226	2	sites	site	NOUN
fsr-3928	226	3	provide	provide	VERB
fsr-3928	226	4	general	general	ADJ
fsr-3928	226	5	consumer	consumer	NOUN
fsr-3928	226	6	education	education	NOUN
fsr-3928	226	7	about	about	ADP
fsr-3928	226	8	the	the	DET
fsr-3928	226	9	home	home	NOUN
fsr-3928	226	10	buying	buy	VERB
fsr-3928	226	11	291j.m	291j.m	NUM
fsr-3928	226	12	.	.	PUNCT
fsr-3928	227	1	hogarth	hogarth	NOUN
fsr-3928	227	2	,	,	PUNCT
fsr-3928	227	3	j.	j.	PROPN
fsr-3928	227	4	lee	lee	PROPN
fsr-3928	227	5	/	/	SYM
fsr-3928	227	6	financial	financial	PROPN
fsr-3928	227	7	services	service	NOUN
fsr-3928	227	8	review	review	VERB
fsr-3928	227	9	9	9	NUM
fsr-3928	227	10	(	(	PUNCT
fsr-3928	227	11	2000	2000	NUM
fsr-3928	227	12	)	)	PUNCT
fsr-3928	227	13	277–293	277–293	NUM
fsr-3928	227	14	and	and	CCONJ
fsr-3928	227	15	mortgage	mortgage	NOUN
fsr-3928	227	16	shopping	shopping	NOUN
fsr-3928	227	17	processes	process	NOUN
fsr-3928	227	18	.	.	PUNCT
fsr-3928	228	1	however	however	ADV
fsr-3928	228	2	,	,	PUNCT
fsr-3928	228	3	recent	recent	ADJ
fsr-3928	228	4	studies	study	NOUN
fsr-3928	228	5	on	on	ADP
fsr-3928	228	6	consumers	consumer	NOUN
fsr-3928	228	7	’	'	PUNCT
fsr-3928	228	8	use	use	NOUN
fsr-3928	228	9	of	of	ADP
fsr-3928	228	10	the	the	DET
fsr-3928	228	11	internet	internet	NOUN
fsr-3928	228	12	show	show	NOUN
fsr-3928	228	13	mixed	mixed	ADJ
fsr-3928	228	14	results	result	NOUN
fsr-3928	228	15	.	.	PUNCT
fsr-3928	229	1	about	about	ADV
fsr-3928	229	2	one	one	NUM
fsr-3928	229	3	third	third	ADJ
fsr-3928	229	4	(	(	PUNCT
fsr-3928	229	5	37	37	NUM
fsr-3928	229	6	%	%	NOUN
fsr-3928	229	7	)	)	PUNCT
fsr-3928	229	8	of	of	ADP
fsr-3928	229	9	consumers	consumer	NOUN
fsr-3928	229	10	reported	report	VERB
fsr-3928	229	11	using	use	VERB
fsr-3928	229	12	the	the	DET
fsr-3928	229	13	internet	internet	NOUN
fsr-3928	229	14	as	as	ADP
fsr-3928	229	15	an	an	DET
fsr-3928	229	16	information	information	NOUN
fsr-3928	229	17	source	source	NOUN
fsr-3928	229	18	when	when	SCONJ
fsr-3928	229	19	shopping	shop	VERB
fsr-3928	229	20	for	for	ADP
fsr-3928	229	21	a	a	DET
fsr-3928	229	22	home	home	NOUN
fsr-3928	229	23	(	(	PUNCT
fsr-3928	229	24	littlefield	littlefield	PROPN
fsr-3928	229	25	et	et	PROPN
fsr-3928	229	26	al	al	PROPN
fsr-3928	229	27	.	.	PROPN
fsr-3928	229	28	,	,	PUNCT
fsr-3928	229	29	2000	2000	NUM
fsr-3928	229	30	)	)	PUNCT
fsr-3928	229	31	.	.	PUNCT
fsr-3928	230	1	in	in	ADP
fsr-3928	230	2	1998	1998	NUM
fsr-3928	230	3	,	,	PUNCT
fsr-3928	230	4	“	"	PUNCT
fsr-3928	230	5	the	the	DET
fsr-3928	230	6	internet	internet	NOUN
fsr-3928	230	7	was	be	AUX
fsr-3928	230	8	not	not	PART
fsr-3928	230	9	yet	yet	ADV
fsr-3928	230	10	a	a	DET
fsr-3928	230	11	factor	factor	NOUN
fsr-3928	230	12	in	in	ADP
fsr-3928	230	13	the	the	DET
fsr-3928	230	14	thinking	thinking	NOUN
fsr-3928	230	15	of	of	ADP
fsr-3928	230	16	many	many	ADJ
fsr-3928	230	17	borrowers	borrower	NOUN
fsr-3928	230	18	or	or	CCONJ
fsr-3928	230	19	lenders	lender	NOUN
fsr-3928	230	20	”	"	PUNCT
fsr-3928	230	21	(	(	PUNCT
fsr-3928	230	22	duncan	duncan	PROPN
fsr-3928	230	23	,	,	PUNCT
fsr-3928	230	24	1999	1999	NUM
fsr-3928	230	25	,	,	PUNCT
fsr-3928	230	26	p.	p.	NOUN
fsr-3928	230	27	42	42	NUM
fsr-3928	230	28	)	)	PUNCT
fsr-3928	230	29	.	.	PUNCT
fsr-3928	231	1	and	and	CCONJ
fsr-3928	231	2	while	while	SCONJ
fsr-3928	231	3	industry	industry	NOUN
fsr-3928	231	4	reports	report	VERB
fsr-3928	231	5	that	that	SCONJ
fsr-3928	231	6	on	on	ADP
fsr-3928	231	7	-	-	PUNCT
fsr-3928	231	8	line	line	NOUN
fsr-3928	231	9	traffic	traffic	NOUN
fsr-3928	231	10	of	of	ADP
fsr-3928	231	11	new	new	ADJ
fsr-3928	231	12	customers	customer	NOUN
fsr-3928	231	13	has	have	AUX
fsr-3928	231	14	increased	increase	VERB
fsr-3928	231	15	150	150	NUM
fsr-3928	231	16	%	%	NOUN
fsr-3928	231	17	between	between	ADP
fsr-3928	231	18	1999	1999	NUM
fsr-3928	231	19	and	and	CCONJ
fsr-3928	231	20	2000	2000	NUM
fsr-3928	231	21	,	,	PUNCT
fsr-3928	231	22	consumers	consumer	NOUN
fsr-3928	231	23	seem	seem	VERB
fsr-3928	231	24	loath	loath	ADJ
fsr-3928	231	25	to	to	PART
fsr-3928	231	26	buy	buy	VERB
fsr-3928	231	27	insurance	insurance	NOUN
fsr-3928	231	28	or	or	CCONJ
fsr-3928	231	29	apply	apply	VERB
fsr-3928	231	30	for	for	ADP
fsr-3928	231	31	loans	loan	NOUN
fsr-3928	231	32	on	on	ADP
fsr-3928	231	33	line	line	NOUN
fsr-3928	231	34	(	(	PUNCT
fsr-3928	231	35	business	business	NOUN
fsr-3928	231	36	wire	wire	NOUN
fsr-3928	231	37	,	,	PUNCT
fsr-3928	231	38	2000	2000	NUM
fsr-3928	231	39	)	)	PUNCT
fsr-3928	231	40	.	.	PUNCT
fsr-3928	232	1	consumers	consumer	NOUN
fsr-3928	232	2	seem	seem	VERB
fsr-3928	232	3	to	to	PART
fsr-3928	232	4	be	be	AUX
fsr-3928	232	5	using	use	VERB
fsr-3928	232	6	the	the	DET
fsr-3928	232	7	internet	internet	NOUN
fsr-3928	232	8	for	for	ADP
fsr-3928	232	9	mortgage	mortgage	NOUN
fsr-3928	232	10	shopping	shopping	NOUN
fsr-3928	232	11	,	,	PUNCT
fsr-3928	232	12	but	but	CCONJ
fsr-3928	232	13	not	not	PART
fsr-3928	232	14	for	for	ADP
fsr-3928	232	15	initiating	initiate	VERB
fsr-3928	232	16	the	the	DET
fsr-3928	232	17	mortgage	mortgage	NOUN
fsr-3928	232	18	transaction	transaction	NOUN
fsr-3928	232	19	(	(	PUNCT
fsr-3928	232	20	myer	myer	NOUN
fsr-3928	232	21	,	,	PUNCT
fsr-3928	232	22	2000	2000	NUM
fsr-3928	232	23	)	)	PUNCT
fsr-3928	232	24	.	.	PUNCT
fsr-3928	233	1	in	in	ADP
fsr-3928	233	2	a	a	DET
fsr-3928	233	3	survey	survey	NOUN
fsr-3928	233	4	by	by	ADP
fsr-3928	233	5	fanniemae	fanniemae	NOUN
fsr-3928	233	6	,	,	PUNCT
fsr-3928	233	7	56	56	NUM
fsr-3928	233	8	%	%	NOUN
fsr-3928	233	9	of	of	ADP
fsr-3928	233	10	consumers	consumer	NOUN
fsr-3928	233	11	indicated	indicate	VERB
fsr-3928	233	12	they	they	PRON
fsr-3928	233	13	used	use	VERB
fsr-3928	233	14	the	the	DET
fsr-3928	233	15	internet	internet	NOUN
fsr-3928	233	16	to	to	PART
fsr-3928	233	17	search	search	VERB
fsr-3928	233	18	for	for	ADP
fsr-3928	233	19	a	a	DET
fsr-3928	233	20	mortgage	mortgage	NOUN
fsr-3928	233	21	,	,	PUNCT
fsr-3928	233	22	but	but	CCONJ
fsr-3928	233	23	only	only	ADV
fsr-3928	233	24	21	21	NUM
fsr-3928	233	25	%	%	NOUN
fsr-3928	233	26	used	use	VERB
fsr-3928	233	27	the	the	DET
fsr-3928	233	28	internet	internet	NOUN
fsr-3928	233	29	to	to	PART
fsr-3928	233	30	price	price	VERB
fsr-3928	233	31	a	a	DET
fsr-3928	233	32	loan	loan	NOUN
fsr-3928	233	33	and	and	CCONJ
fsr-3928	233	34	even	even	ADV
fsr-3928	233	35	fewer—4%—applied	fewer—4%—applie	VERB
fsr-3928	233	36	for	for	ADP
fsr-3928	233	37	a	a	DET
fsr-3928	233	38	mortgage	mortgage	NOUN
fsr-3928	233	39	on	on	ADP
fsr-3928	233	40	line	line	NOUN
fsr-3928	233	41	(	(	PUNCT
fsr-3928	233	42	raines	raine	NOUN
fsr-3928	233	43	,	,	PUNCT
fsr-3928	233	44	2000	2000	NUM
fsr-3928	233	45	)	)	PUNCT
fsr-3928	233	46	.	.	PUNCT
fsr-3928	234	1	future	future	ADJ
fsr-3928	234	2	studies	study	NOUN
fsr-3928	234	3	on	on	ADP
fsr-3928	234	4	information	information	NOUN
fsr-3928	234	5	search	search	NOUN
fsr-3928	234	6	activities	activity	NOUN
fsr-3928	234	7	may	may	AUX
fsr-3928	234	8	need	need	VERB
fsr-3928	234	9	to	to	PART
fsr-3928	234	10	separate	separate	VERB
fsr-3928	234	11	the	the	DET
fsr-3928	234	12	general	general	ADJ
fsr-3928	234	13	information	information	NOUN
fsr-3928	234	14	search	search	NOUN
fsr-3928	234	15	from	from	ADP
fsr-3928	234	16	the	the	DET
fsr-3928	234	17	price	price	NOUN
fsr-3928	234	18	shopping	shopping	NOUN
fsr-3928	234	19	aspects	aspect	NOUN
fsr-3928	234	20	of	of	ADP
fsr-3928	234	21	the	the	DET
fsr-3928	234	22	internet	internet	NOUN
fsr-3928	234	23	.	.	PUNCT
fsr-3928	235	1	notes	note	NOUN
fsr-3928	235	2	1	1	NUM
fsr-3928	235	3	.	.	NUM
fsr-3928	235	4	figures	figure	NOUN
fsr-3928	235	5	on	on	ADP
fsr-3928	235	6	these	these	DET
fsr-3928	235	7	interaction	interaction	NOUN
fsr-3928	235	8	effects	effect	NOUN
fsr-3928	235	9	are	be	AUX
fsr-3928	235	10	available	available	ADJ
fsr-3928	235	11	from	from	ADP
fsr-3928	235	12	the	the	DET
fsr-3928	235	13	authors	author	NOUN
fsr-3928	235	14	.	.	PUNCT
fsr-3928	236	1	references	reference	NOUN
fsr-3928	236	2	alba	alba	PROPN
fsr-3928	236	3	,	,	PUNCT
fsr-3928	236	4	j.	j.	PROPN
fsr-3928	236	5	w.	w.	PROPN
fsr-3928	236	6	,	,	PUNCT
fsr-3928	236	7	&	&	CCONJ
fsr-3928	236	8	hutchinson	hutchinson	PROPN
fsr-3928	236	9	,	,	PUNCT
fsr-3928	236	10	j.	j.	PROPN
fsr-3928	236	11	w.	w.	PROPN
fsr-3928	236	12	(	(	PUNCT
fsr-3928	236	13	2000	2000	NUM
fsr-3928	236	14	)	)	PUNCT
fsr-3928	236	15	.	.	PUNCT
fsr-3928	237	1	knowledge	knowledge	NOUN
fsr-3928	237	2	calibration	calibration	PROPN
fsr-3928	237	3	:	:	PUNCT
fsr-3928	237	4	what	what	PRON
fsr-3928	237	5	consumers	consumer	NOUN
fsr-3928	237	6	know	know	VERB
fsr-3928	237	7	and	and	CCONJ
fsr-3928	237	8	what	what	PRON
fsr-3928	237	9	they	they	PRON
fsr-3928	237	10	think	think	VERB
fsr-3928	237	11	they	they	PRON
fsr-3928	237	12	know	know	VERB
fsr-3928	237	13	.	.	PUNCT
fsr-3928	238	1	journal	journal	PROPN
fsr-3928	238	2	of	of	ADP
fsr-3928	238	3	consumer	consumer	NOUN
fsr-3928	238	4	research	research	NOUN
fsr-3928	238	5	,	,	PUNCT
fsr-3928	238	6	27(september	27(september	NUM
fsr-3928	238	7	)	)	PUNCT
fsr-3928	238	8	,	,	PUNCT
fsr-3928	238	9	123–156	123–156	NUM
fsr-3928	238	10	.	.	PUNCT
fsr-3928	239	1	babin	babin	PROPN
fsr-3928	239	2	,	,	PUNCT
fsr-3928	239	3	b.	b.	PROPN
fsr-3928	239	4	j.	j.	PROPN
fsr-3928	239	5	,	,	PUNCT
fsr-3928	239	6	darden	darden	PROPN
fsr-3928	239	7	,	,	PUNCT
fsr-3928	239	8	w.	w.	PROPN
fsr-3928	239	9	r.	r.	PROPN
fsr-3928	239	10	,	,	PUNCT
fsr-3928	239	11	&	&	CCONJ
fsr-3928	239	12	griffin	griffin	PROPN
fsr-3928	239	13	,	,	PUNCT
fsr-3928	239	14	m.	m.	NOUN
fsr-3928	239	15	(	(	PUNCT
fsr-3928	239	16	1994	1994	NUM
fsr-3928	239	17	)	)	PUNCT
fsr-3928	239	18	.	.	PUNCT
fsr-3928	240	1	work	work	NOUN
fsr-3928	240	2	and/or	and/or	CCONJ
fsr-3928	240	3	fun	fun	NOUN
fsr-3928	240	4	:	:	PUNCT
fsr-3928	240	5	measuring	measure	VERB
fsr-3928	240	6	hedonic	hedonic	ADJ
fsr-3928	240	7	and	and	CCONJ
fsr-3928	240	8	utilitarian	utilitarian	ADJ
fsr-3928	240	9	shopping	shopping	NOUN
fsr-3928	240	10	value.journal	value.journal	PROPN
fsr-3928	240	11	of	of	ADP
fsr-3928	240	12	consumer	consumer	NOUN
fsr-3928	240	13	research	research	NOUN
fsr-3928	240	14	,	,	PUNCT
fsr-3928	240	15	20(march	20(march	NUM
fsr-3928	240	16	)	)	PUNCT
fsr-3928	240	17	,	,	PUNCT
fsr-3928	240	18	644–656	644–656	NUM
fsr-3928	240	19	.	.	PUNCT
fsr-3928	241	1	beales	beale	NOUN
fsr-3928	241	2	,	,	PUNCT
fsr-3928	241	3	h.	h.	NOUN
fsr-3928	241	4	,	,	PUNCT
fsr-3928	241	5	mazis	mazi	NOUN
fsr-3928	241	6	,	,	PUNCT
fsr-3928	241	7	m.	m.	PROPN
fsr-3928	241	8	b.	b.	PROPN
fsr-3928	241	9	,	,	PUNCT
fsr-3928	241	10	salop	salop	PROPN
fsr-3928	241	11	,	,	PUNCT
fsr-3928	241	12	s.	s.	PROPN
fsr-3928	241	13	c.	c.	PROPN
fsr-3928	241	14	,	,	PUNCT
fsr-3928	241	15	&	&	CCONJ
fsr-3928	241	16	staelin	staelin	PROPN
fsr-3928	241	17	,	,	PUNCT
fsr-3928	241	18	r.	r.	PROPN
fsr-3928	241	19	(	(	PUNCT
fsr-3928	241	20	1981	1981	NUM
fsr-3928	241	21	)	)	PUNCT
fsr-3928	241	22	.	.	PUNCT
fsr-3928	242	1	information	information	NOUN
fsr-3928	242	2	remedies	remedy	VERB
fsr-3928	242	3	for	for	ADP
fsr-3928	242	4	consumer	consumer	NOUN
fsr-3928	242	5	protection	protection	NOUN
fsr-3928	242	6	.	.	PUNCT
fsr-3928	243	1	american	american	PROPN
fsr-3928	243	2	economic	economic	PROPN
fsr-3928	243	3	review	review	PROPN
fsr-3928	243	4	,	,	PUNCT
fsr-3928	243	5	71(may	71(may	NUM
fsr-3928	243	6	)	)	PUNCT
fsr-3928	243	7	,	,	PUNCT
fsr-3928	243	8	410–413	410–413	PROPN
fsr-3928	243	9	.	.	PUNCT
fsr-3928	244	1	beatty	beatty	PROPN
fsr-3928	244	2	,	,	PUNCT
fsr-3928	244	3	s.	s.	PROPN
fsr-3928	244	4	e.	e.	PROPN
fsr-3928	244	5	,	,	PUNCT
fsr-3928	244	6	&	&	CCONJ
fsr-3928	244	7	smith	smith	PROPN
fsr-3928	244	8	,	,	PUNCT
fsr-3928	244	9	s.	s.	PROPN
fsr-3928	244	10	m.	m.	PROPN
fsr-3928	244	11	(	(	PUNCT
fsr-3928	244	12	1987	1987	NUM
fsr-3928	244	13	)	)	PUNCT
fsr-3928	244	14	.	.	PUNCT
fsr-3928	245	1	external	external	ADJ
fsr-3928	245	2	search	search	NOUN
fsr-3928	245	3	effort	effort	NOUN
fsr-3928	245	4	:	:	PUNCT
fsr-3928	245	5	an	an	DET
fsr-3928	245	6	investigation	investigation	NOUN
fsr-3928	245	7	across	across	ADP
fsr-3928	245	8	several	several	ADJ
fsr-3928	245	9	product	product	NOUN
fsr-3928	245	10	categories	category	NOUN
fsr-3928	245	11	.	.	PUNCT
fsr-3928	246	1	journal	journal	NOUN
fsr-3928	246	2	of	of	ADP
fsr-3928	246	3	consumer	consumer	NOUN
fsr-3928	246	4	research	research	NOUN
fsr-3928	246	5	,	,	PUNCT
fsr-3928	246	6	14(june	14(june	NUM
fsr-3928	246	7	)	)	PUNCT
fsr-3928	246	8	,	,	PUNCT
fsr-3928	246	9	83–95	83–95	NUM
fsr-3928	246	10	.	.	PUNCT
fsr-3928	247	1	bennett	bennett	PROPN
fsr-3928	247	2	,	,	PUNCT
fsr-3928	247	3	p.	p.	PROPN
fsr-3928	247	4	,	,	PUNCT
fsr-3928	247	5	peach	peach	PROPN
fsr-3928	247	6	,	,	PUNCT
fsr-3928	247	7	r.	r.	PROPN
fsr-3928	247	8	,	,	PUNCT
fsr-3928	247	9	&	&	CCONJ
fsr-3928	247	10	peristiani	peristiani	PROPN
fsr-3928	247	11	,	,	PUNCT
fsr-3928	247	12	s.	s.	PROPN
fsr-3928	247	13	(	(	PUNCT
fsr-3928	247	14	2000	2000	NUM
fsr-3928	247	15	)	)	PUNCT
fsr-3928	247	16	.	.	PUNCT
fsr-3928	248	1	implied	imply	VERB
fsr-3928	248	2	mortgage	mortgage	NOUN
fsr-3928	248	3	refinancing	refinance	VERB
fsr-3928	248	4	thresholds.real	thresholds.real	ADJ
fsr-3928	248	5	estate	estate	NOUN
fsr-3928	248	6	economics	economic	NOUN
fsr-3928	248	7	,	,	PUNCT
fsr-3928	248	8	28(3	28(3	NUM
fsr-3928	248	9	)	)	PUNCT
fsr-3928	248	10	,	,	PUNCT
fsr-3928	248	11	405–435	405–435	NUM
fsr-3928	248	12	.	.	PUNCT
fsr-3928	249	1	business	business	NOUN
fsr-3928	249	2	wire	wire	PROPN
fsr-3928	249	3	(	(	PUNCT
fsr-3928	249	4	2000	2000	NUM
fsr-3928	249	5	)	)	PUNCT
fsr-3928	249	6	.	.	PUNCT
fsr-3928	250	1	most	most	ADJ
fsr-3928	250	2	web	web	NOUN
fsr-3928	250	3	-	-	PUNCT
fsr-3928	250	4	based	base	VERB
fsr-3928	250	5	financial	financial	ADJ
fsr-3928	250	6	services	service	NOUN
fsr-3928	250	7	have	have	VERB
fsr-3928	250	8	yet	yet	ADV
fsr-3928	250	9	to	to	PART
fsr-3928	250	10	win	win	VERB
fsr-3928	250	11	consumer	consumer	NOUN
fsr-3928	250	12	acceptance	acceptance	NOUN
fsr-3928	250	13	,	,	PUNCT
fsr-3928	250	14	according	accord	VERB
fsr-3928	250	15	to	to	ADP
fsr-3928	250	16	new	new	ADJ
fsr-3928	250	17	study	study	NOUN
fsr-3928	250	18	.	.	PUNCT
fsr-3928	251	1	retrieved	retrieve	VERB
fsr-3928	251	2	from	from	ADP
fsr-3928	251	3	the	the	DET
fsr-3928	251	4	world	world	NOUN
fsr-3928	251	5	wide	wide	ADJ
fsr-3928	251	6	web	web	NOUN
fsr-3928	251	7	at	at	ADP
fsr-3928	251	8	www.mba.org/briefs/2000/1221e.html	www.mba.org/briefs/2000/1221e.html	PROPN
fsr-3928	251	9	on	on	ADP
fsr-3928	251	10	december	december	PROPN
fsr-3928	251	11	27	27	NUM
fsr-3928	251	12	.	.	PUNCT
fsr-3928	252	1	capon	capon	NOUN
fsr-3928	252	2	,	,	PUNCT
fsr-3928	252	3	n.	n.	NOUN
fsr-3928	252	4	,	,	PUNCT
fsr-3928	252	5	&	&	CCONJ
fsr-3928	252	6	burke	burke	PROPN
fsr-3928	252	7	,	,	PUNCT
fsr-3928	252	8	m.	m.	NOUN
fsr-3928	252	9	(	(	PUNCT
fsr-3928	252	10	1980	1980	NUM
fsr-3928	252	11	)	)	PUNCT
fsr-3928	252	12	.	.	PUNCT
fsr-3928	253	1	individual	individual	ADJ
fsr-3928	253	2	,	,	PUNCT
fsr-3928	253	3	product	product	NOUN
fsr-3928	253	4	class	class	NOUN
fsr-3928	253	5	,	,	PUNCT
fsr-3928	253	6	and	and	CCONJ
fsr-3928	253	7	task	task	NOUN
fsr-3928	253	8	-	-	PUNCT
fsr-3928	253	9	related	relate	VERB
fsr-3928	253	10	factors	factor	NOUN
fsr-3928	253	11	in	in	ADP
fsr-3928	253	12	consumer	consumer	NOUN
fsr-3928	253	13	information	information	NOUN
fsr-3928	253	14	processing.journal	processing.journal	PROPN
fsr-3928	253	15	of	of	ADP
fsr-3928	253	16	consumer	consumer	NOUN
fsr-3928	253	17	research	research	NOUN
fsr-3928	253	18	,	,	PUNCT
fsr-3928	253	19	7(3	7(3	NUM
fsr-3928	253	20	)	)	PUNCT
fsr-3928	253	21	,	,	PUNCT
fsr-3928	253	22	314–326	314–326	NUM
fsr-3928	253	23	.	.	PUNCT
fsr-3928	254	1	chang	chang	PROPN
fsr-3928	254	2	,	,	PUNCT
fsr-3928	254	3	y.	y.	PROPN
fsr-3928	254	4	r.	r.	PROPN
fsr-3928	254	5	,	,	PUNCT
fsr-3928	254	6	&	&	CCONJ
fsr-3928	254	7	hanna	hanna	PROPN
fsr-3928	254	8	,	,	PUNCT
fsr-3928	254	9	s.	s.	PROPN
fsr-3928	254	10	(	(	PUNCT
fsr-3928	254	11	1992	1992	NUM
fsr-3928	254	12	)	)	PUNCT
fsr-3928	254	13	.	.	PUNCT
fsr-3928	255	1	consumer	consumer	NOUN
fsr-3928	255	2	credit	credit	NOUN
fsr-3928	255	3	search	search	NOUN
fsr-3928	255	4	behavior.journal	behavior.journal	NOUN
fsr-3928	255	5	of	of	ADP
fsr-3928	255	6	consumer	consumer	NOUN
fsr-3928	255	7	studies	study	NOUN
fsr-3928	255	8	and	and	CCONJ
fsr-3928	255	9	home	home	NOUN
fsr-3928	255	10	economics	economic	NOUN
fsr-3928	255	11	,	,	PUNCT
fsr-3928	255	12	16,207–227	16,207–227	PROPN
fsr-3928	255	13	.	.	PUNCT
fsr-3928	255	14	curtin	curtin	PROPN
fsr-3928	255	15	,	,	PUNCT
fsr-3928	255	16	r.	r.	PROPN
fsr-3928	255	17	t.	t.	PROPN
fsr-3928	255	18	(	(	PUNCT
fsr-3928	255	19	2001	2001	NUM
fsr-3928	255	20	)	)	PUNCT
fsr-3928	255	21	.	.	PUNCT
fsr-3928	256	1	surveys	survey	NOUN
fsr-3928	256	2	of	of	ADP
fsr-3928	256	3	consumers	consumer	NOUN
fsr-3928	256	4	.	.	PUNCT
fsr-3928	257	1	retrieved	retrieve	VERB
fsr-3928	257	2	from	from	ADP
fsr-3928	257	3	the	the	DET
fsr-3928	257	4	world	world	NOUN
fsr-3928	257	5	wide	wide	ADJ
fsr-3928	257	6	web	web	NOUN
fsr-3928	257	7	at	at	ADP
fsr-3928	257	8	http://athena.sca.isr.umich.edu/scripts/info/info.asp	http://athena.sca.isr.umich.edu/scripts/info/info.asp	NOUN
fsr-3928	257	9	on	on	ADP
fsr-3928	257	10	february	february	PROPN
fsr-3928	257	11	14	14	NUM
fsr-3928	257	12	.	.	PUNCT
fsr-3928	258	1	dickinson	dickinson	PROPN
fsr-3928	258	2	,	,	PUNCT
fsr-3928	258	3	a.	a.	PROPN
fsr-3928	258	4	,	,	PUNCT
fsr-3928	258	5	&	&	CCONJ
fsr-3928	258	6	heuson	heuson	PROPN
fsr-3928	258	7	,	,	PUNCT
fsr-3928	258	8	a.	a.	PROPN
fsr-3928	258	9	j.	j.	PROPN
fsr-3928	258	10	(	(	PUNCT
fsr-3928	258	11	1993	1993	NUM
fsr-3928	258	12	)	)	PUNCT
fsr-3928	258	13	.	.	PUNCT
fsr-3928	259	1	explaining	explain	VERB
fsr-3928	259	2	refinancing	refinance	VERB
fsr-3928	259	3	decisions	decision	NOUN
fsr-3928	259	4	using	use	VERB
fsr-3928	259	5	microdata.journal	microdata.journal	PROPN
fsr-3928	259	6	of	of	ADP
fsr-3928	259	7	the	the	DET
fsr-3928	259	8	american	american	ADJ
fsr-3928	259	9	real	real	ADJ
fsr-3928	259	10	estate	estate	NOUN
fsr-3928	259	11	and	and	CCONJ
fsr-3928	259	12	urban	urban	ADJ
fsr-3928	259	13	economics	economics	PROPN
fsr-3928	259	14	association	association	PROPN
fsr-3928	259	15	,	,	PUNCT
fsr-3928	259	16	21(3	21(3	NUM
fsr-3928	259	17	)	)	PUNCT
fsr-3928	259	18	,	,	PUNCT
fsr-3928	260	1	293–311	293–311	NUM
fsr-3928	260	2	.	.	PUNCT
fsr-3928	261	1	duncan	duncan	PROPN
fsr-3928	261	2	,	,	PUNCT
fsr-3928	261	3	d.	d.	PROPN
fsr-3928	261	4	(	(	PUNCT
fsr-3928	261	5	1999	1999	NUM
fsr-3928	261	6	)	)	PUNCT
fsr-3928	261	7	.	.	PUNCT
fsr-3928	262	1	how	how	SCONJ
fsr-3928	262	2	do	do	AUX
fsr-3928	262	3	borrowers	borrower	NOUN
fsr-3928	262	4	shop?mortgage	shop?mortgage	PROPN
fsr-3928	262	5	banking	banking	NOUN
fsr-3928	262	6	,	,	PUNCT
fsr-3928	262	7	december	december	PROPN
fsr-3928	262	8	,	,	PUNCT
fsr-3928	262	9	38–48	38–48	NUM
fsr-3928	262	10	.	.	PUNCT
fsr-3928	263	1	durkin	durkin	PROPN
fsr-3928	263	2	,	,	PUNCT
fsr-3928	263	3	t.	t.	PROPN
fsr-3928	263	4	a.	a.	PROPN
fsr-3928	263	5	,	,	PUNCT
fsr-3928	263	6	&	&	CCONJ
fsr-3928	263	7	elliehausen	elliehausen	PROPN
fsr-3928	263	8	,	,	PUNCT
fsr-3928	263	9	g.	g.	PROPN
fsr-3928	263	10	e.	e.	PROPN
fsr-3928	263	11	(	(	PUNCT
fsr-3928	263	12	1990	1990	NUM
fsr-3928	263	13	)	)	PUNCT
fsr-3928	263	14	.	.	PUNCT
fsr-3928	264	1	the	the	DET
fsr-3928	264	2	issue	issue	NOUN
fsr-3928	264	3	of	of	ADP
fsr-3928	264	4	market	market	NOUN
fsr-3928	264	5	transparency	transparency	NOUN
fsr-3928	264	6	:	:	PUNCT
fsr-3928	264	7	truth	truth	NOUN
fsr-3928	264	8	-	-	PUNCT
fsr-3928	264	9	in	in	ADP
fsr-3928	264	10	-	-	PUNCT
fsr-3928	264	11	lending	lending	NOUN
fsr-3928	264	12	disclosure	disclosure	NOUN
fsr-3928	264	13	requirements	requirement	NOUN
fsr-3928	264	14	as	as	ADP
fsr-3928	264	15	consumer	consumer	NOUN
fsr-3928	264	16	protections	protection	NOUN
fsr-3928	264	17	in	in	ADP
fsr-3928	264	18	the	the	DET
fsr-3928	264	19	united	united	PROPN
fsr-3928	264	20	states	states	PROPN
fsr-3928	264	21	,	,	PUNCT
fsr-3928	264	22	in	in	ADP
fsr-3928	264	23	:	:	PUNCT
fsr-3928	264	24	robert	robert	PROPN
fsr-3928	264	25	n.	n.	PROPN
fsr-3928	264	26	mayer	mayer	PROPN
fsr-3928	264	27	(	(	PUNCT
fsr-3928	264	28	ed),enhancing	ed),enhance	VERB
fsr-3928	264	29	consumer	consumer	NOUN
fsr-3928	264	30	choice,(pp	choice,(pp	NOUN
fsr-3928	264	31	.	.	PUNCT
fsr-3928	265	1	255–265	255–265	NUM
fsr-3928	265	2	)	)	PUNCT
fsr-3928	265	3	.	.	PUNCT
fsr-3928	266	1	missouri	missouri	PROPN
fsr-3928	266	2	,	,	PUNCT
fsr-3928	266	3	co	co	ADP
fsr-3928	266	4	:	:	PROPN
fsr-3928	266	5	american	american	PROPN
fsr-3928	266	6	council	council	PROPN
fsr-3928	266	7	on	on	ADP
fsr-3928	266	8	consumer	consumer	NOUN
fsr-3928	266	9	interests	interest	NOUN
fsr-3928	266	10	.	.	PUNCT
fsr-3928	267	1	federal	federal	PROPN
fsr-3928	267	2	reserve	reserve	PROPN
fsr-3928	267	3	board	board	PROPN
fsr-3928	267	4	.	.	PUNCT
fsr-3928	268	1	(	(	PUNCT
fsr-3928	268	2	1997	1997	NUM
fsr-3928	268	3	)	)	PUNCT
fsr-3928	268	4	.	.	PUNCT
fsr-3928	269	1	truth	truth	NOUN
fsr-3928	269	2	in	in	ADP
fsr-3928	269	3	lending	lending	NOUN
fsr-3928	269	4	,	,	PUNCT
fsr-3928	269	5	federal	federal	PROPN
fsr-3928	269	6	reserve	reserve	PROPN
fsr-3928	269	7	press	press	PROPN
fsr-3928	269	8	release	release	NOUN
fsr-3928	269	9	,	,	PUNCT
fsr-3928	269	10	march	march	PROPN
fsr-3928	269	11	31	31	NUM
fsr-3928	269	12	,	,	PUNCT
fsr-3928	269	13	12cfr	12cfr	VERB
fsr-3928	269	14	part	part	NOUN
fsr-3928	269	15	226	226	NUM
fsr-3928	269	16	,	,	PUNCT
fsr-3928	269	17	regulation	regulation	NOUN
fsr-3928	269	18	z	z	NOUN
fsr-3928	269	19	;	;	PUNCT
fsr-3928	269	20	docket	docket	NOUN
fsr-3928	269	21	no	no	NOUN
fsr-3928	269	22	.	.	PUNCT
fsr-3928	270	1	r-0954	r-0954	PROPN
fsr-3928	270	2	.	.	PUNCT
fsr-3928	271	1	federal	federal	PROPN
fsr-3928	271	2	reserve	reserve	PROPN
fsr-3928	271	3	board	board	PROPN
fsr-3928	271	4	and	and	CCONJ
fsr-3928	271	5	the	the	DET
fsr-3928	271	6	department	department	NOUN
fsr-3928	271	7	of	of	ADP
fsr-3928	271	8	housing	housing	PROPN
fsr-3928	271	9	and	and	CCONJ
fsr-3928	271	10	urban	urban	ADJ
fsr-3928	271	11	development	development	NOUN
fsr-3928	271	12	.	.	PUNCT
fsr-3928	272	1	(	(	PUNCT
fsr-3928	272	2	1998	1998	NUM
fsr-3928	272	3	)	)	PUNCT
fsr-3928	272	4	.	.	PUNCT
fsr-3928	273	1	joint	joint	ADJ
fsr-3928	273	2	report	report	NOUN
fsr-3928	273	3	to	to	ADP
fsr-3928	273	4	the	the	DET
fsr-3928	273	5	congress	congress	PROPN
fsr-3928	273	6	concerning	concern	VERB
fsr-3928	273	7	reform	reform	NOUN
fsr-3928	273	8	to	to	ADP
fsr-3928	273	9	the	the	DET
fsr-3928	273	10	truth	truth	NOUN
fsr-3928	273	11	in	in	ADP
fsr-3928	273	12	lending	lending	NOUN
fsr-3928	273	13	act	act	NOUN
fsr-3928	273	14	and	and	CCONJ
fsr-3928	273	15	the	the	DET
fsr-3928	273	16	real	real	ADJ
fsr-3928	273	17	estate	estate	NOUN
fsr-3928	273	18	settlement	settlement	NOUN
fsr-3928	273	19	procedures	procedure	NOUN
fsr-3928	273	20	act	act	VERB
fsr-3928	273	21	.	.	PUNCT
fsr-3928	274	1	292	292	NUM
fsr-3928	274	2	j.m	j.m	PROPN
fsr-3928	274	3	.	.	PROPN
fsr-3928	274	4	hogarth	hogarth	PROPN
fsr-3928	274	5	,	,	PUNCT
fsr-3928	274	6	j.	j.	PROPN
fsr-3928	274	7	lee	lee	PROPN
fsr-3928	274	8	/	/	SYM
fsr-3928	274	9	financial	financial	PROPN
fsr-3928	274	10	services	service	NOUN
fsr-3928	274	11	review	review	VERB
fsr-3928	274	12	9	9	NUM
fsr-3928	274	13	(	(	PUNCT
fsr-3928	274	14	2000	2000	NUM
fsr-3928	274	15	)	)	PUNCT
fsr-3928	274	16	277–293	277–293	NUM
fsr-3928	274	17	retrieved	retrieve	VERB
fsr-3928	274	18	from	from	ADP
fsr-3928	274	19	the	the	DET
fsr-3928	274	20	world	world	NOUN
fsr-3928	274	21	wide	wide	ADJ
fsr-3928	274	22	web	web	NOUN
fsr-3928	274	23	at	at	ADP
fsr-3928	274	24	www.federalreserve.gov/boarddocs/rptcongress/tila.pdf	www.federalreserve.gov/boarddocs/rptcongress/tila.pdf	PROPN
fsr-3928	274	25	on	on	ADP
fsr-3928	274	26	march	march	PROPN
fsr-3928	274	27	14	14	NUM
fsr-3928	274	28	.	.	PUNCT
fsr-3928	275	1	follain	follain	PROPN
fsr-3928	275	2	,	,	PUNCT
fsr-3928	275	3	j.	j.	PROPN
fsr-3928	275	4	r.	r.	PROPN
fsr-3928	275	5	(	(	PUNCT
fsr-3928	275	6	1990	1990	NUM
fsr-3928	275	7	)	)	PUNCT
fsr-3928	275	8	.	.	PUNCT
fsr-3928	276	1	mortgage	mortgage	NOUN
fsr-3928	276	2	choices	choice	NOUN
fsr-3928	276	3	.	.	PUNCT
fsr-3928	277	1	journal	journal	NOUN
fsr-3928	277	2	of	of	ADP
fsr-3928	277	3	the	the	DET
fsr-3928	277	4	american	american	ADJ
fsr-3928	277	5	real	real	ADJ
fsr-3928	277	6	estate	estate	NOUN
fsr-3928	277	7	and	and	CCONJ
fsr-3928	277	8	urban	urban	ADJ
fsr-3928	277	9	economics	economics	PROPN
fsr-3928	277	10	association	association	PROPN
fsr-3928	277	11	,	,	PUNCT
fsr-3928	277	12	18(2	18(2	NUM
fsr-3928	277	13	)	)	PUNCT
fsr-3928	277	14	,	,	PUNCT
fsr-3928	277	15	125–144	125–144	NUM
fsr-3928	277	16	.	.	PUNCT
fsr-3928	278	1	kimball	kimball	PROPN
fsr-3928	278	2	,	,	PUNCT
fsr-3928	278	3	r.	r.	PROPN
fsr-3928	278	4	c.	c.	PROPN
fsr-3928	278	5	,	,	PUNCT
fsr-3928	278	6	frisch	frisch	PROPN
fsr-3928	278	7	,	,	PUNCT
fsr-3928	278	8	r.	r.	PROPN
fsr-3928	278	9	,	,	PUNCT
fsr-3928	278	10	&	&	CCONJ
fsr-3928	278	11	gregor	gregor	PROPN
fsr-3928	278	12	,	,	PUNCT
fsr-3928	278	13	w.	w.	PROPN
fsr-3928	278	14	t.	t.	PROPN
fsr-3928	278	15	(	(	PUNCT
fsr-3928	278	16	1997	1997	NUM
fsr-3928	278	17	)	)	PUNCT
fsr-3928	278	18	.	.	PUNCT
fsr-3928	279	1	alternative	alternative	ADJ
fsr-3928	279	2	visions	vision	NOUN
fsr-3928	279	3	of	of	ADP
fsr-3928	279	4	consumer	consumer	NOUN
fsr-3928	279	5	financial	financial	ADJ
fsr-3928	279	6	services.journal	services.journal	ADJ
fsr-3928	279	7	of	of	ADP
fsr-3928	279	8	retail	retail	ADJ
fsr-3928	279	9	banking	banking	NOUN
fsr-3928	279	10	services	service	NOUN
fsr-3928	279	11	,	,	PUNCT
fsr-3928	279	12	19(1	19(1	NUM
fsr-3928	279	13	)	)	PUNCT
fsr-3928	279	14	,	,	PUNCT
fsr-3928	279	15	1–10	1–10	PROPN
fsr-3928	279	16	.	.	PUNCT
fsr-3928	280	1	lee	lee	PROPN
fsr-3928	280	2	,	,	PUNCT
fsr-3928	280	3	j.	j.	PROPN
fsr-3928	280	4	,	,	PUNCT
fsr-3928	280	5	&	&	CCONJ
fsr-3928	280	6	hogarth	hogarth	PROPN
fsr-3928	280	7	,	,	PUNCT
fsr-3928	280	8	j.	j.	PROPN
fsr-3928	280	9	m.	m.	PROPN
fsr-3928	280	10	(	(	PUNCT
fsr-3928	280	11	1999a	1999a	NUM
fsr-3928	280	12	)	)	PUNCT
fsr-3928	280	13	.	.	PUNCT
fsr-3928	281	1	returns	return	NOUN
fsr-3928	281	2	to	to	ADP
fsr-3928	281	3	information	information	NOUN
fsr-3928	281	4	search	search	NOUN
fsr-3928	281	5	:	:	PUNCT
fsr-3928	281	6	consumer	consumer	NOUN
fsr-3928	281	7	mortgage	mortgage	NOUN
fsr-3928	281	8	shopping	shopping	NOUN
fsr-3928	281	9	decisions	decision	NOUN
fsr-3928	281	10	.	.	PUNCT
fsr-3928	282	1	financial	financial	ADJ
fsr-3928	282	2	counseling	counseling	NOUN
fsr-3928	282	3	and	and	CCONJ
fsr-3928	282	4	planning	planning	NOUN
fsr-3928	282	5	journal	journal	NOUN
fsr-3928	282	6	,	,	PUNCT
fsr-3928	282	7	10(1	10(1	NUM
fsr-3928	282	8	)	)	PUNCT
fsr-3928	282	9	,	,	PUNCT
fsr-3928	282	10	49–66	49–66	NUM
fsr-3928	282	11	.	.	PUNCT
fsr-3928	283	1	lee	lee	PROPN
fsr-3928	283	2	,	,	PUNCT
fsr-3928	283	3	j.	j.	PROPN
fsr-3928	283	4	,	,	PUNCT
fsr-3928	283	5	&	&	CCONJ
fsr-3928	283	6	hogarth	hogarth	PROPN
fsr-3928	283	7	,	,	PUNCT
fsr-3928	283	8	j.	j.	PROPN
fsr-3928	283	9	m.	m.	PROPN
fsr-3928	283	10	(	(	PUNCT
fsr-3928	283	11	1999b	1999b	NUM
fsr-3928	283	12	)	)	PUNCT
fsr-3928	283	13	.	.	PUNCT
fsr-3928	284	1	the	the	DET
fsr-3928	284	2	price	price	NOUN
fsr-3928	284	3	of	of	ADP
fsr-3928	284	4	money	money	NOUN
fsr-3928	284	5	:	:	PUNCT
fsr-3928	284	6	consumers	consumer	NOUN
fsr-3928	284	7	’	’	PART
fsr-3928	284	8	understanding	understanding	NOUN
fsr-3928	284	9	of	of	ADP
fsr-3928	284	10	aprs	aprs	NOUN
fsr-3928	284	11	and	and	CCONJ
fsr-3928	284	12	contract	contract	NOUN
fsr-3928	284	13	interest	interest	NOUN
fsr-3928	284	14	rates.journal	rates.journal	ADJ
fsr-3928	284	15	of	of	ADP
fsr-3928	284	16	public	public	ADJ
fsr-3928	284	17	policy	policy	NOUN
fsr-3928	284	18	and	and	CCONJ
fsr-3928	284	19	marketing,66–76	marketing,66–76	NOUN
fsr-3928	284	20	.	.	PUNCT
fsr-3928	285	1	lee	lee	PROPN
fsr-3928	285	2	,	,	PUNCT
fsr-3928	285	3	j.	j.	PROPN
fsr-3928	285	4	,	,	PUNCT
fsr-3928	285	5	&	&	CCONJ
fsr-3928	285	6	hogarth	hogarth	PROPN
fsr-3928	285	7	,	,	PUNCT
fsr-3928	285	8	j.	j.	PROPN
fsr-3928	285	9	m.	m.	PROPN
fsr-3928	285	10	(	(	PUNCT
fsr-3928	285	11	2000	2000	NUM
fsr-3928	285	12	)	)	PUNCT
fsr-3928	285	13	.	.	PUNCT
fsr-3928	286	1	relationships	relationship	NOUN
fsr-3928	286	2	among	among	ADP
fsr-3928	286	3	information	information	NOUN
fsr-3928	286	4	search	search	NOUN
fsr-3928	286	5	activities	activity	NOUN
fsr-3928	286	6	when	when	SCONJ
fsr-3928	286	7	shopping	shop	VERB
fsr-3928	286	8	for	for	ADP
fsr-3928	286	9	a	a	DET
fsr-3928	286	10	credit	credit	NOUN
fsr-3928	286	11	card.journal	card.journal	ADJ
fsr-3928	286	12	of	of	ADP
fsr-3928	286	13	consumer	consumer	NOUN
fsr-3928	286	14	affairs	affair	NOUN
fsr-3928	286	15	,	,	PUNCT
fsr-3928	286	16	34(2	34(2	NUM
fsr-3928	286	17	)	)	PUNCT
fsr-3928	286	18	,	,	PUNCT
fsr-3928	286	19	330–360	330–360	NUM
fsr-3928	286	20	.	.	PUNCT
fsr-3928	286	21	lino	lino	PROPN
fsr-3928	286	22	,	,	PUNCT
fsr-3928	286	23	m.	m.	NOUN
fsr-3928	286	24	(	(	PUNCT
fsr-3928	286	25	1992	1992	NUM
fsr-3928	286	26	)	)	PUNCT
fsr-3928	286	27	.	.	PUNCT
fsr-3928	287	1	factors	factor	NOUN
fsr-3928	287	2	affecting	affect	VERB
fsr-3928	287	3	borrower	borrower	NOUN
fsr-3928	287	4	choice	choice	NOUN
fsr-3928	287	5	between	between	ADP
fsr-3928	287	6	fixed	fix	VERB
fsr-3928	287	7	and	and	CCONJ
fsr-3928	287	8	adjustable	adjustable	ADJ
fsr-3928	287	9	rate	rate	NOUN
fsr-3928	287	10	mortgages	mortgage	NOUN
fsr-3928	287	11	.	.	PUNCT
fsr-3928	288	1	journal	journal	NOUN
fsr-3928	288	2	of	of	ADP
fsr-3928	288	3	consumer	consumer	NOUN
fsr-3928	288	4	affairs	affair	NOUN
fsr-3928	288	5	,	,	PUNCT
fsr-3928	288	6	26(2	26(2	NUM
fsr-3928	288	7	)	)	PUNCT
fsr-3928	288	8	,	,	PUNCT
fsr-3928	288	9	262–273	262–273	NUM
fsr-3928	288	10	.	.	PUNCT
fsr-3928	289	1	littlefield	littlefield	PROPN
fsr-3928	289	2	,	,	PUNCT
fsr-3928	289	3	j.	j.	PROPN
fsr-3928	289	4	e	e	PROPN
fsr-3928	289	5	,	,	PUNCT
fsr-3928	289	6	bao	bao	PROPN
fsr-3928	289	7	,	,	PUNCT
fsr-3928	289	8	y.	y.	PROPN
fsr-3928	289	9	,	,	PUNCT
fsr-3928	289	10	&	&	CCONJ
fsr-3928	289	11	cook	cook	PROPN
fsr-3928	289	12	,	,	PUNCT
fsr-3928	289	13	d.	d.	PROPN
fsr-3928	289	14	l.	l.	PROPN
fsr-3928	289	15	(	(	PUNCT
fsr-3928	289	16	2000	2000	NUM
fsr-3928	289	17	)	)	PUNCT
fsr-3928	289	18	.	.	PUNCT
fsr-3928	290	1	internet	internet	NOUN
fsr-3928	290	2	real	real	ADJ
fsr-3928	290	3	estate	estate	NOUN
fsr-3928	290	4	information	information	NOUN
fsr-3928	290	5	:	:	PUNCT
fsr-3928	290	6	are	be	AUX
fsr-3928	290	7	home	home	NOUN
fsr-3928	290	8	purchasers	purchaser	NOUN
fsr-3928	290	9	paying	pay	VERB
fsr-3928	290	10	attention	attention	NOUN
fsr-3928	290	11	to	to	ADP
fsr-3928	290	12	it?journal	it?journal	ADJ
fsr-3928	290	13	of	of	ADP
fsr-3928	290	14	consumer	consumer	NOUN
fsr-3928	290	15	marketing	marketing	NOUN
fsr-3928	290	16	,	,	PUNCT
fsr-3928	290	17	17(7	17(7	NUM
fsr-3928	290	18	)	)	PUNCT
fsr-3928	290	19	,	,	PUNCT
fsr-3928	290	20	575–590	575–590	NUM
fsr-3928	290	21	.	.	PUNCT
fsr-3928	291	1	meier	meier	PROPN
fsr-3928	291	2	,	,	PUNCT
fsr-3928	291	3	k.	k.	PROPN
fsr-3928	291	4	j.	j.	PROPN
fsr-3928	291	5	,	,	PUNCT
fsr-3928	291	6	&	&	CCONJ
fsr-3928	291	7	garman	garman	PROPN
fsr-3928	291	8	,	,	PUNCT
fsr-3928	291	9	e.	e.	PROPN
fsr-3928	291	10	t.	t.	PROPN
fsr-3928	291	11	(	(	PUNCT
fsr-3928	291	12	1995).regulation	1995).regulation	NUM
fsr-3928	291	13	and	and	CCONJ
fsr-3928	291	14	consumer	consumer	NOUN
fsr-3928	291	15	protection.houston	protection.houston	NOUN
fsr-3928	291	16	,	,	PUNCT
fsr-3928	291	17	tx	tx	ADP
fsr-3928	291	18	:	:	PUNCT
fsr-3928	291	19	dames	dame	NOUN
fsr-3928	291	20	.	.	PUNCT
fsr-3928	292	1	myer	myer	PROPN
fsr-3928	292	2	,	,	PUNCT
fsr-3928	292	3	w.	w.	PROPN
fsr-3928	292	4	h.	h.	PROPN
fsr-3928	292	5	(	(	PUNCT
fsr-3928	292	6	2000	2000	NUM
fsr-3928	292	7	)	)	PUNCT
fsr-3928	292	8	.	.	PUNCT
fsr-3928	293	1	the	the	DET
fsr-3928	293	2	2000	2000	NUM
fsr-3928	293	3	internet	internet	NOUN
fsr-3928	293	4	survey.mortgage	survey.mortgage	NOUN
fsr-3928	293	5	banking	banking	NOUN
fsr-3928	293	6	,	,	PUNCT
fsr-3928	293	7	61(1	61(1	NOUN
fsr-3928	293	8	)	)	PUNCT
fsr-3928	293	9	,	,	PUNCT
fsr-3928	293	10	42–52	42–52	NUM
fsr-3928	293	11	.	.	PUNCT
fsr-3928	293	12	organisation	organisation	NOUN
fsr-3928	293	13	for	for	ADP
fsr-3928	293	14	economic	economic	ADJ
fsr-3928	293	15	co	co	NOUN
fsr-3928	293	16	-	-	NOUN
fsr-3928	293	17	operation	operation	NOUN
fsr-3928	293	18	and	and	CCONJ
fsr-3928	293	19	development	development	NOUN
fsr-3928	293	20	(	(	PUNCT
fsr-3928	293	21	oecd	oecd	PROPN
fsr-3928	293	22	)	)	PUNCT
fsr-3928	293	23	.	.	PUNCT
fsr-3928	294	1	(	(	PUNCT
fsr-3928	294	2	1992).consumer	1992).consumer	NUM
fsr-3928	294	3	information	information	NOUN
fsr-3928	294	4	about	about	ADP
fsr-3928	294	5	financial	financial	ADJ
fsr-3928	294	6	services	service	NOUN
fsr-3928	294	7	,	,	PUNCT
fsr-3928	294	8	paris	paris	PROPN
fsr-3928	294	9	,	,	PUNCT
fsr-3928	294	10	france	france	PROPN
fsr-3928	294	11	:	:	PUNCT
fsr-3928	294	12	oced	oced	ADJ
fsr-3928	294	13	.	.	PUNCT
fsr-3928	295	1	ozanne	ozanne	PROPN
fsr-3928	295	2	,	,	PUNCT
fsr-3928	295	3	j.	j.	PROPN
fsr-3928	295	4	l.	l.	PROPN
fsr-3928	295	5	,	,	PUNCT
fsr-3928	295	6	brucks	bruck	NOUN
fsr-3928	295	7	,	,	PUNCT
fsr-3928	295	8	m.	m.	NOUN
fsr-3928	295	9	,	,	PUNCT
fsr-3928	295	10	&	&	CCONJ
fsr-3928	295	11	grewal	grewal	PROPN
fsr-3928	295	12	,	,	PUNCT
fsr-3928	295	13	d.	d.	PROPN
fsr-3928	295	14	(	(	PUNCT
fsr-3928	295	15	1992	1992	NUM
fsr-3928	295	16	)	)	PUNCT
fsr-3928	295	17	.	.	PUNCT
fsr-3928	296	1	a	a	DET
fsr-3928	296	2	study	study	NOUN
fsr-3928	296	3	of	of	ADP
fsr-3928	296	4	information	information	NOUN
fsr-3928	296	5	search	search	NOUN
fsr-3928	296	6	behavior	behavior	NOUN
fsr-3928	296	7	during	during	ADP
fsr-3928	296	8	the	the	DET
fsr-3928	296	9	categorization	categorization	NOUN
fsr-3928	296	10	of	of	ADP
fsr-3928	296	11	new	new	ADJ
fsr-3928	296	12	products.journal	products.journal	PROPN
fsr-3928	296	13	of	of	ADP
fsr-3928	296	14	consumer	consumer	NOUN
fsr-3928	296	15	research	research	NOUN
fsr-3928	296	16	,	,	PUNCT
fsr-3928	296	17	18(march	18(march	NUM
fsr-3928	296	18	)	)	PUNCT
fsr-3928	296	19	,	,	PUNCT
fsr-3928	296	20	452–463	452–463	NUM
fsr-3928	296	21	.	.	PUNCT
fsr-3928	297	1	raines	raines	PROPN
fsr-3928	297	2	,	,	PUNCT
fsr-3928	297	3	f.	f.	PROPN
fsr-3928	297	4	d.	d.	PROPN
fsr-3928	297	5	(	(	PUNCT
fsr-3928	297	6	2000	2000	NUM
fsr-3928	297	7	)	)	PUNCT
fsr-3928	297	8	.	.	PUNCT
fsr-3928	298	1	here	here	ADV
fsr-3928	298	2	come	come	VERB
fsr-3928	298	3	the	the	DET
fsr-3928	298	4	home	home	NOUN
fsr-3928	298	5	loan	loan	NOUN
fsr-3928	298	6	web-surfers.american	web-surfers.american	PROPN
fsr-3928	298	7	banker	banker	NOUN
fsr-3928	298	8	,	,	PUNCT
fsr-3928	298	9	165(192	165(192	NUM
fsr-3928	298	10	)	)	PUNCT
fsr-3928	298	11	,	,	PUNCT
fsr-3928	298	12	10–12	10–12	NUM
fsr-3928	298	13	.	.	PUNCT
fsr-3928	299	1	retsinas	retsinas	PROPN
fsr-3928	299	2	,	,	PUNCT
fsr-3928	299	3	n.	n.	PROPN
fsr-3928	299	4	p.	p.	PROPN
fsr-3928	299	5	(	(	PUNCT
fsr-3928	299	6	1997	1997	NUM
fsr-3928	299	7	)	)	PUNCT
fsr-3928	299	8	.	.	PUNCT
fsr-3928	300	1	testimony	testimony	NOUN
fsr-3928	300	2	of	of	ADP
fsr-3928	300	3	assistant	assistant	NOUN
fsr-3928	300	4	secretary	secretary	NOUN
fsr-3928	300	5	for	for	ADP
fsr-3928	300	6	housing	housing	PROPN
fsr-3928	300	7	federal	federal	PROPN
fsr-3928	300	8	housing	housing	PROPN
fsr-3928	300	9	commissioner	commissioner	NOUN
fsr-3928	300	10	before	before	ADP
fsr-3928	300	11	the	the	DET
fsr-3928	300	12	u.s	u.s	PROPN
fsr-3928	300	13	.	.	PROPN
fsr-3928	300	14	senate	senate	PROPN
fsr-3928	300	15	committee	committee	PROPN
fsr-3928	300	16	on	on	ADP
fsr-3928	300	17	banking	banking	NOUN
fsr-3928	300	18	,	,	PUNCT
fsr-3928	300	19	housing	housing	NOUN
fsr-3928	300	20	and	and	CCONJ
fsr-3928	300	21	urban	urban	PROPN
fsr-3928	300	22	affairs	affairs	PROPN
fsr-3928	300	23	,	,	PUNCT
fsr-3928	300	24	subcommittees	subcommittee	NOUN
fsr-3928	300	25	on	on	ADP
fsr-3928	300	26	financial	financial	ADJ
fsr-3928	300	27	institutions	institution	NOUN
fsr-3928	300	28	and	and	CCONJ
fsr-3928	300	29	regulatory	regulatory	ADJ
fsr-3928	300	30	relief	relief	NOUN
fsr-3928	300	31	and	and	CCONJ
fsr-3928	300	32	housing	housing	NOUN
fsr-3928	300	33	opportunity	opportunity	NOUN
fsr-3928	300	34	and	and	CCONJ
fsr-3928	300	35	community	community	NOUN
fsr-3928	300	36	development	development	NOUN
fsr-3928	300	37	,	,	PUNCT
fsr-3928	300	38	july	july	PROPN
fsr-3928	300	39	15	15	NUM
fsr-3928	300	40	.	.	PUNCT
fsr-3928	301	1	smith	smith	PROPN
fsr-3928	301	2	,	,	PUNCT
fsr-3928	301	3	r.	r.	PROPN
fsr-3928	301	4	e.	e.	PROPN
fsr-3928	301	5	(	(	PUNCT
fsr-3928	301	6	1993	1993	NUM
fsr-3928	301	7	)	)	PUNCT
fsr-3928	301	8	.	.	PUNCT
fsr-3928	302	1	integrating	integrate	VERB
fsr-3928	302	2	information	information	NOUN
fsr-3928	302	3	from	from	ADP
fsr-3928	302	4	advertising	advertising	NOUN
fsr-3928	302	5	and	and	CCONJ
fsr-3928	302	6	trial	trial	NOUN
fsr-3928	302	7	:	:	PUNCT
fsr-3928	302	8	processes	process	NOUN
fsr-3928	302	9	and	and	CCONJ
fsr-3928	302	10	effects	effect	NOUN
fsr-3928	302	11	on	on	ADP
fsr-3928	302	12	consumer	consumer	NOUN
fsr-3928	302	13	response	response	NOUN
fsr-3928	302	14	to	to	PART
fsr-3928	302	15	product	product	VERB
fsr-3928	302	16	information.journal	information.journal	ADJ
fsr-3928	302	17	of	of	ADP
fsr-3928	302	18	marketing	marketing	NOUN
fsr-3928	302	19	research	research	NOUN
fsr-3928	302	20	,	,	PUNCT
fsr-3928	302	21	30(may	30(may	NUM
fsr-3928	302	22	)	)	PUNCT
fsr-3928	302	23	,	,	PUNCT
fsr-3928	302	24	204–219	204–219	NUM
fsr-3928	302	25	.	.	PUNCT
fsr-3928	303	1	srinivasan	srinivasan	NOUN
fsr-3928	303	2	,	,	PUNCT
fsr-3928	303	3	n.	n.	NOUN
fsr-3928	303	4	,	,	PUNCT
fsr-3928	303	5	&	&	CCONJ
fsr-3928	303	6	ratchford	ratchford	PROPN
fsr-3928	303	7	,	,	PUNCT
fsr-3928	303	8	b.	b.	PROPN
fsr-3928	303	9	t.	t.	PROPN
fsr-3928	303	10	(	(	PUNCT
fsr-3928	303	11	1991	1991	NUM
fsr-3928	303	12	)	)	PUNCT
fsr-3928	303	13	.	.	PUNCT
fsr-3928	304	1	an	an	DET
fsr-3928	304	2	empirical	empirical	ADJ
fsr-3928	304	3	test	test	NOUN
fsr-3928	304	4	of	of	ADP
fsr-3928	304	5	a	a	DET
fsr-3928	304	6	model	model	NOUN
fsr-3928	304	7	of	of	ADP
fsr-3928	304	8	external	external	ADJ
fsr-3928	304	9	search	search	NOUN
fsr-3928	304	10	for	for	ADP
fsr-3928	304	11	automobiles	automobile	NOUN
fsr-3928	304	12	.	.	PUNCT
fsr-3928	305	1	journal	journal	NOUN
fsr-3928	305	2	of	of	ADP
fsr-3928	305	3	consumer	consumer	NOUN
fsr-3928	305	4	research	research	NOUN
fsr-3928	305	5	,	,	PUNCT
fsr-3928	305	6	18(september	18(september	NUM
fsr-3928	305	7	)	)	PUNCT
fsr-3928	305	8	,	,	PUNCT
fsr-3928	305	9	233–242	233–242	NUM
fsr-3928	305	10	.	.	PUNCT
fsr-3928	305	11	stigler	stigler	NOUN
fsr-3928	305	12	,	,	PUNCT
fsr-3928	305	13	g.	g.	PROPN
fsr-3928	305	14	j.	j.	PROPN
fsr-3928	305	15	(	(	PUNCT
fsr-3928	305	16	1961	1961	NUM
fsr-3928	305	17	)	)	PUNCT
fsr-3928	305	18	.	.	PUNCT
fsr-3928	306	1	the	the	DET
fsr-3928	306	2	economics	economic	NOUN
fsr-3928	306	3	of	of	ADP
fsr-3928	306	4	information.journal	information.journal	ADJ
fsr-3928	306	5	of	of	ADP
fsr-3928	306	6	political	political	ADJ
fsr-3928	306	7	economy	economy	NOUN
fsr-3928	306	8	,	,	PUNCT
fsr-3928	306	9	69(june	69(june	NUM
fsr-3928	306	10	)	)	PUNCT
fsr-3928	306	11	,	,	PUNCT
fsr-3928	306	12	213–255	213–255	NUM
fsr-3928	306	13	.	.	PUNCT
fsr-3928	306	14	thakor	thakor	PROPN
fsr-3928	306	15	,	,	PUNCT
fsr-3928	306	16	a.	a.	PROPN
fsr-3928	306	17	v.	v.	PROPN
fsr-3928	306	18	,	,	PUNCT
fsr-3928	306	19	beltz	beltz	PROPN
fsr-3928	306	20	,	,	PUNCT
fsr-3928	306	21	j.	j.	PROPN
fsr-3928	306	22	c.	c.	PROPN
fsr-3928	306	23	,	,	PUNCT
fsr-3928	306	24	&	&	CCONJ
fsr-3928	306	25	barefoot	barefoot	PROPN
fsr-3928	306	26	,	,	PUNCT
fsr-3928	306	27	j.	j.	PROPN
fsr-3928	306	28	a.	a.	PROPN
fsr-3928	306	29	s.	s.	PROPN
fsr-3928	306	30	(	(	PUNCT
fsr-3928	306	31	1993).common	1993).common	NUM
fsr-3928	306	32	ground	ground	NOUN
fsr-3928	306	33	:	:	PUNCT
fsr-3928	306	34	increasing	increase	VERB
fsr-3928	306	35	consumer	consumer	NOUN
fsr-3928	306	36	benefits	benefit	NOUN
fsr-3928	306	37	and	and	CCONJ
fsr-3928	306	38	reducing	reduce	VERB
fsr-3928	306	39	regulatory	regulatory	ADJ
fsr-3928	306	40	costs	cost	NOUN
fsr-3928	306	41	in	in	ADP
fsr-3928	306	42	banking	banking	NOUN
fsr-3928	306	43	,	,	PUNCT
fsr-3928	306	44	general	general	ADJ
fsr-3928	306	45	banking	banking	NOUN
fsr-3928	306	46	study	study	NOUN
fsr-3928	306	47	,	,	PUNCT
fsr-3928	306	48	prepared	prepare	VERB
fsr-3928	306	49	for	for	ADP
fsr-3928	306	50	the	the	DET
fsr-3928	306	51	herbert	herbert	PROPN
fsr-3928	306	52	v.	v.	ADP
fsr-3928	306	53	prochnow	prochnow	PROPN
fsr-3928	306	54	educational	educational	ADJ
fsr-3928	306	55	foundation	foundation	NOUN
fsr-3928	306	56	of	of	ADP
fsr-3928	306	57	the	the	DET
fsr-3928	306	58	graduate	graduate	ADJ
fsr-3928	306	59	school	school	NOUN
fsr-3928	306	60	of	of	ADP
fsr-3928	306	61	banking	banking	NOUN
fsr-3928	306	62	at	at	ADP
fsr-3928	306	63	the	the	DET
fsr-3928	306	64	university	university	PROPN
fsr-3928	306	65	of	of	ADP
fsr-3928	306	66	wisconsin	wisconsin	PROPN
fsr-3928	306	67	-	-	PUNCT
fsr-3928	306	68	madison	madison	PROPN
fsr-3928	306	69	,	,	PUNCT
fsr-3928	306	70	barefoot	barefoot	NOUN
fsr-3928	306	71	,	,	PUNCT
fsr-3928	306	72	marrinan	marrinan	NOUN
fsr-3928	306	73	and	and	CCONJ
fsr-3928	306	74	associates	associates	PROPN
fsr-3928	306	75	,	,	PUNCT
fsr-3928	306	76	inc	inc	PROPN
fsr-3928	306	77	.	.	PROPN
fsr-3928	306	78	yang	yang	PROPN
fsr-3928	306	79	,	,	PUNCT
fsr-3928	306	80	t.	t.	PROPN
fsr-3928	306	81	l.	l.	PROPN
fsr-3928	306	82	t.	t.	PROPN
fsr-3928	306	83	(	(	PUNCT
fsr-3928	306	84	1992	1992	NUM
fsr-3928	306	85	)	)	PUNCT
fsr-3928	306	86	.	.	PUNCT
fsr-3928	307	1	self	self	NOUN
fsr-3928	307	2	-	-	PUNCT
fsr-3928	307	3	selection	selection	NOUN
fsr-3928	307	4	in	in	ADP
fsr-3928	307	5	the	the	DET
fsr-3928	307	6	fixed	fix	VERB
fsr-3928	307	7	-	-	PUNCT
fsr-3928	307	8	rate	rate	NOUN
fsr-3928	307	9	mortgage	mortgage	NOUN
fsr-3928	307	10	market.journal	market.journal	PROPN
fsr-3928	307	11	of	of	ADP
fsr-3928	307	12	the	the	DET
fsr-3928	307	13	american	american	ADJ
fsr-3928	307	14	real	real	ADJ
fsr-3928	307	15	estate	estate	NOUN
fsr-3928	307	16	and	and	CCONJ
fsr-3928	307	17	urban	urban	ADJ
fsr-3928	307	18	economics	economics	PROPN
fsr-3928	307	19	association	association	PROPN
fsr-3928	307	20	,	,	PUNCT
fsr-3928	307	21	20(3	20(3	NOUN
fsr-3928	307	22	)	)	PUNCT
fsr-3928	307	23	,	,	PUNCT
fsr-3928	307	24	359–391	359–391	NUM
fsr-3928	307	25	.	.	PUNCT
fsr-3928	308	1	yang	yang	PROPN
fsr-3928	308	2	,	,	PUNCT
fsr-3928	308	3	t.	t.	PROPN
fsr-3928	308	4	l.	l.	PROPN
fsr-3928	308	5	t.	t.	PROPN
fsr-3928	308	6	,	,	PUNCT
fsr-3928	308	7	&	&	CCONJ
fsr-3928	308	8	maris	maris	PROPN
fsr-3928	308	9	,	,	PUNCT
fsr-3928	308	10	b.	b.	PROPN
fsr-3928	308	11	a.	a.	PROPN
fsr-3928	308	12	(	(	PUNCT
fsr-3928	308	13	1993	1993	NUM
fsr-3928	308	14	)	)	PUNCT
fsr-3928	308	15	.	.	PUNCT
fsr-3928	309	1	mortgage	mortgage	NOUN
fsr-3928	309	2	refinancing	refinance	VERB
fsr-3928	309	3	with	with	ADP
fsr-3928	309	4	asymmetric	asymmetric	ADJ
fsr-3928	309	5	information.journal	information.journal	PROPN
fsr-3928	309	6	of	of	ADP
fsr-3928	309	7	the	the	DET
fsr-3928	309	8	american	american	ADJ
fsr-3928	309	9	real	real	ADJ
fsr-3928	309	10	estate	estate	NOUN
fsr-3928	309	11	and	and	CCONJ
fsr-3928	309	12	urban	urban	ADJ
fsr-3928	309	13	economics	economics	PROPN
fsr-3928	309	14	association	association	PROPN
fsr-3928	309	15	,	,	PUNCT
fsr-3928	309	16	21(4	21(4	NUM
fsr-3928	309	17	)	)	PUNCT
fsr-3928	309	18	,	,	PUNCT
fsr-3928	309	19	481–510	481–510	NUM
fsr-3928	309	20	.	.	PUNCT
fsr-3928	310	1	293j.m	293j.m	X
fsr-3928	310	2	.	.	X
fsr-3928	310	3	hogarth	hogarth	NOUN
fsr-3928	310	4	,	,	PUNCT
fsr-3928	310	5	j.	j.	PROPN
fsr-3928	310	6	lee	lee	PROPN
fsr-3928	310	7	/	/	SYM
fsr-3928	310	8	financial	financial	PROPN
fsr-3928	310	9	services	service	NOUN
fsr-3928	310	10	review	review	VERB
fsr-3928	310	11	9	9	NUM
fsr-3928	310	12	(	(	PUNCT
fsr-3928	310	13	2000	2000	NUM
fsr-3928	310	14	)	)	PUNCT
fsr-3928	310	15	277–293	277–293	NUM