id	sid	tid	token	lemma	pos
fsr-3932	1	1	pii	pii	PROPN
fsr-3932	1	2	:	:	PUNCT
fsr-3932	1	3	s1057	s1057	NOUN
fsr-3932	1	4	-	-	PUNCT
fsr-3932	1	5	0810(01)00073	0810(01)00073	NOUN
fsr-3932	1	6	-	-	SYM
fsr-3932	1	7	7	7	NUM
fsr-3932	1	8	financial	financial	ADJ
fsr-3932	1	9	services	service	NOUN
fsr-3932	1	10	and	and	CCONJ
fsr-3932	1	11	the	the	DET
fsr-3932	1	12	african	african	ADJ
fsr-3932	1	13	-	-	PUNCT
fsr-3932	1	14	american	american	ADJ
fsr-3932	1	15	market	market	NOUN
fsr-3932	1	16	:	:	PUNCT
fsr-3932	1	17	what	what	PRON
fsr-3932	1	18	every	every	DET
fsr-3932	1	19	financial	financial	ADJ
fsr-3932	1	20	planner	planner	NOUN
fsr-3932	1	21	should	should	AUX
fsr-3932	1	22	know	know	VERB
fsr-3932	1	23	d.	d.	PROPN
fsr-3932	1	24	anthony	anthony	PROPN
fsr-3932	1	25	platha	platha	PROPN
fsr-3932	1	26	,	,	PUNCT
fsr-3932	1	27	*	*	PROPN
fsr-3932	1	28	,	,	PUNCT
fsr-3932	1	29	thomas	thomas	PROPN
fsr-3932	1	30	h.	h.	PROPN
fsr-3932	1	31	stevensonb	stevensonb	ADJ
fsr-3932	1	32	adepartment	adepartment	NOUN
fsr-3932	1	33	of	of	ADP
fsr-3932	1	34	finance	finance	NOUN
fsr-3932	1	35	and	and	CCONJ
fsr-3932	1	36	business	business	NOUN
fsr-3932	1	37	law	law	NOUN
fsr-3932	1	38	,	,	PUNCT
fsr-3932	1	39	university	university	NOUN
fsr-3932	1	40	of	of	ADP
fsr-3932	1	41	north	north	PROPN
fsr-3932	1	42	carolina	carolina	PROPN
fsr-3932	1	43	at	at	ADP
fsr-3932	1	44	charlotte	charlotte	PROPN
fsr-3932	1	45	,	,	PUNCT
fsr-3932	1	46	charlotte	charlotte	PROPN
fsr-3932	1	47	,	,	PUNCT
fsr-3932	1	48	north	north	PROPN
fsr-3932	1	49	carolina	carolina	PROPN
fsr-3932	1	50	28223	28223	NUM
fsr-3932	1	51	bdepartment	bdepartment	NOUN
fsr-3932	1	52	of	of	ADP
fsr-3932	1	53	marketing	marketing	NOUN
fsr-3932	1	54	,	,	PUNCT
fsr-3932	1	55	university	university	NOUN
fsr-3932	1	56	of	of	ADP
fsr-3932	1	57	north	north	PROPN
fsr-3932	1	58	carolina	carolina	PROPN
fsr-3932	1	59	at	at	ADP
fsr-3932	1	60	charlotte	charlotte	PROPN
fsr-3932	1	61	,	,	PUNCT
fsr-3932	1	62	charlotte	charlotte	PROPN
fsr-3932	1	63	,	,	PUNCT
fsr-3932	1	64	north	north	PROPN
fsr-3932	1	65	carolina	carolina	PROPN
fsr-3932	1	66	28223	28223	NUM
fsr-3932	1	67	received	receive	VERB
fsr-3932	1	68	6	6	NUM
fsr-3932	1	69	october	october	NOUN
fsr-3932	1	70	1999	1999	NUM
fsr-3932	1	71	;	;	PUNCT
fsr-3932	1	72	received	receive	VERB
fsr-3932	1	73	in	in	ADP
fsr-3932	1	74	revised	revise	VERB
fsr-3932	1	75	form	form	NOUN
fsr-3932	1	76	12	12	NUM
fsr-3932	1	77	april	april	PROPN
fsr-3932	1	78	2001	2001	NUM
fsr-3932	1	79	;	;	PUNCT
fsr-3932	1	80	accepted	accept	VERB
fsr-3932	1	81	17	17	NUM
fsr-3932	1	82	april	april	PROPN
fsr-3932	1	83	2001	2001	NUM
fsr-3932	1	84	abstract	abstract	ADJ
fsr-3932	1	85	african	african	ADJ
fsr-3932	1	86	-	-	PUNCT
fsr-3932	1	87	american	american	ADJ
fsr-3932	1	88	consumers	consumer	NOUN
fsr-3932	1	89	differ	differ	VERB
fsr-3932	1	90	markedly	markedly	ADV
fsr-3932	1	91	from	from	ADP
fsr-3932	1	92	their	their	PRON
fsr-3932	1	93	caucasian	caucasian	ADJ
fsr-3932	1	94	counterparts	counterpart	NOUN
fsr-3932	1	95	in	in	ADP
fsr-3932	1	96	terms	term	NOUN
fsr-3932	1	97	of	of	ADP
fsr-3932	1	98	financial	financial	ADJ
fsr-3932	1	99	product	product	NOUN
fsr-3932	1	100	preferences	preference	NOUN
fsr-3932	1	101	,	,	PUNCT
fsr-3932	1	102	product	product	NOUN
fsr-3932	1	103	research	research	NOUN
fsr-3932	1	104	,	,	PUNCT
fsr-3932	1	105	and	and	CCONJ
fsr-3932	1	106	investment	investment	NOUN
fsr-3932	1	107	asset	asset	NOUN
fsr-3932	1	108	portfolio	portfolio	NOUN
fsr-3932	1	109	composition	composition	NOUN
fsr-3932	1	110	.	.	PUNCT
fsr-3932	2	1	this	this	DET
fsr-3932	2	2	study	study	NOUN
fsr-3932	2	3	examines	examine	VERB
fsr-3932	2	4	some	some	PRON
fsr-3932	2	5	of	of	ADP
fsr-3932	2	6	the	the	DET
fsr-3932	2	7	principal	principal	ADJ
fsr-3932	2	8	differences	difference	NOUN
fsr-3932	2	9	between	between	ADP
fsr-3932	2	10	african	african	ADJ
fsr-3932	2	11	-	-	PUNCT
fsr-3932	2	12	american	american	ADJ
fsr-3932	2	13	and	and	CCONJ
fsr-3932	2	14	caucasian	caucasian	ADJ
fsr-3932	2	15	households	household	NOUN
fsr-3932	2	16	in	in	ADP
fsr-3932	2	17	evaluating	evaluate	VERB
fsr-3932	2	18	and	and	CCONJ
fsr-3932	2	19	purchasing	purchase	VERB
fsr-3932	2	20	investment	investment	NOUN
fsr-3932	2	21	assets	asset	NOUN
fsr-3932	2	22	and	and	CCONJ
fsr-3932	2	23	explores	explore	VERB
fsr-3932	2	24	differences	difference	NOUN
fsr-3932	2	25	in	in	ADP
fsr-3932	2	26	asset	asset	NOUN
fsr-3932	2	27	holdings	holding	NOUN
fsr-3932	2	28	between	between	ADP
fsr-3932	2	29	the	the	DET
fsr-3932	2	30	two	two	NUM
fsr-3932	2	31	racial	racial	ADJ
fsr-3932	2	32	groups	group	NOUN
fsr-3932	2	33	.	.	PUNCT
fsr-3932	3	1	this	this	DET
fsr-3932	3	2	information	information	NOUN
fsr-3932	3	3	can	can	AUX
fsr-3932	3	4	help	help	VERB
fsr-3932	3	5	financial	financial	ADJ
fsr-3932	3	6	planners	planner	NOUN
fsr-3932	3	7	seeking	seek	VERB
fsr-3932	3	8	to	to	PART
fsr-3932	3	9	market	market	VERB
fsr-3932	3	10	to	to	ADP
fsr-3932	3	11	the	the	DET
fsr-3932	3	12	african	african	ADJ
fsr-3932	3	13	-	-	PUNCT
fsr-3932	3	14	american	american	ADJ
fsr-3932	3	15	community	community	NOUN
fsr-3932	3	16	better	well	ADV
fsr-3932	3	17	understand	understand	VERB
fsr-3932	3	18	this	this	DET
fsr-3932	3	19	community	community	NOUN
fsr-3932	3	20	,	,	PUNCT
fsr-3932	3	21	tailor	tailor	NOUN
fsr-3932	3	22	investment	investment	NOUN
fsr-3932	3	23	information	information	NOUN
fsr-3932	3	24	for	for	ADP
fsr-3932	3	25	the	the	DET
fsr-3932	3	26	unique	unique	ADJ
fsr-3932	3	27	needs	need	NOUN
fsr-3932	3	28	of	of	ADP
fsr-3932	3	29	this	this	DET
fsr-3932	3	30	community	community	NOUN
fsr-3932	3	31	,	,	PUNCT
fsr-3932	3	32	and	and	CCONJ
fsr-3932	3	33	render	render	VERB
fsr-3932	3	34	more	more	ADV
fsr-3932	3	35	effective	effective	ADJ
fsr-3932	3	36	service	service	NOUN
fsr-3932	3	37	to	to	ADP
fsr-3932	3	38	individuals	individual	NOUN
fsr-3932	3	39	and	and	CCONJ
fsr-3932	3	40	families	family	NOUN
fsr-3932	3	41	that	that	PRON
fsr-3932	3	42	comprise	comprise	VERB
fsr-3932	3	43	this	this	DET
fsr-3932	3	44	attractive	attractive	ADJ
fsr-3932	3	45	and	and	CCONJ
fsr-3932	3	46	growing	grow	VERB
fsr-3932	3	47	market	market	NOUN
fsr-3932	3	48	segment	segment	NOUN
fsr-3932	3	49	.	.	PUNCT
fsr-3932	4	1	©	©	PROPN
fsr-3932	4	2	2001	2001	NUM
fsr-3932	4	3	elsevier	elsevier	PROPN
fsr-3932	4	4	science	science	PROPN
fsr-3932	4	5	inc	inc	PROPN
fsr-3932	4	6	.	.	PUNCT
fsr-3932	5	1	all	all	DET
fsr-3932	5	2	rights	right	NOUN
fsr-3932	5	3	reserved	reserve	VERB
fsr-3932	5	4	.	.	PUNCT
fsr-3932	6	1	jel	jel	PROPN
fsr-3932	6	2	classification	classification	NOUN
fsr-3932	6	3	:	:	PUNCT
fsr-3932	6	4	d12	d12	PROPN
fsr-3932	6	5	;	;	PUNCT
fsr-3932	6	6	d31	d31	NOUN
fsr-3932	6	7	;	;	PUNCT
fsr-3932	6	8	j15	j15	NOUN
fsr-3932	6	9	;	;	PUNCT
fsr-3932	6	10	j70	j70	NOUN
fsr-3932	6	11	keywords	keyword	NOUN
fsr-3932	6	12	:	:	PUNCT
fsr-3932	6	13	individual	individual	ADJ
fsr-3932	6	14	investing	investing	NOUN
fsr-3932	6	15	;	;	PUNCT
fsr-3932	6	16	racial	racial	ADJ
fsr-3932	6	17	difference	difference	NOUN
fsr-3932	6	18	;	;	PUNCT
fsr-3932	6	19	portfolio	portfolio	NOUN
fsr-3932	6	20	composition	composition	NOUN
fsr-3932	6	21	;	;	PUNCT
fsr-3932	6	22	personal	personal	ADJ
fsr-3932	6	23	finance	finance	NOUN
fsr-3932	6	24	;	;	PUNCT
fsr-3932	6	25	investment	investment	NOUN
fsr-3932	6	26	portfolio	portfolio	NOUN
fsr-3932	6	27	the	the	DET
fsr-3932	6	28	importance	importance	NOUN
fsr-3932	6	29	of	of	ADP
fsr-3932	6	30	segmentation	segmentation	NOUN
fsr-3932	6	31	in	in	ADP
fsr-3932	6	32	the	the	DET
fsr-3932	6	33	development	development	NOUN
fsr-3932	6	34	of	of	ADP
fsr-3932	6	35	an	an	DET
fsr-3932	6	36	effective	effective	ADJ
fsr-3932	6	37	marketing	marketing	NOUN
fsr-3932	6	38	strategy	strategy	NOUN
fsr-3932	6	39	is	be	AUX
fsr-3932	6	40	well	well	ADV
fsr-3932	6	41	established	establish	VERB
fsr-3932	6	42	in	in	ADP
fsr-3932	6	43	the	the	DET
fsr-3932	6	44	business	business	NOUN
fsr-3932	6	45	literature	literature	NOUN
fsr-3932	6	46	.	.	PUNCT
fsr-3932	7	1	there	there	PRON
fsr-3932	7	2	are	be	VERB
fsr-3932	7	3	many	many	ADJ
fsr-3932	7	4	bases	basis	NOUN
fsr-3932	7	5	used	use	VERB
fsr-3932	7	6	for	for	ADP
fsr-3932	7	7	market	market	NOUN
fsr-3932	7	8	segmentation	segmentation	NOUN
fsr-3932	7	9	,	,	PUNCT
fsr-3932	7	10	but	but	CCONJ
fsr-3932	7	11	demographic	demographic	ADJ
fsr-3932	7	12	factors	factor	NOUN
fsr-3932	7	13	such	such	ADJ
fsr-3932	7	14	as	as	ADP
fsr-3932	7	15	age	age	NOUN
fsr-3932	7	16	,	,	PUNCT
fsr-3932	7	17	occupation	occupation	NOUN
fsr-3932	7	18	,	,	PUNCT
fsr-3932	7	19	income	income	NOUN
fsr-3932	7	20	level	level	NOUN
fsr-3932	7	21	,	,	PUNCT
fsr-3932	7	22	educational	educational	ADJ
fsr-3932	7	23	attainment	attainment	NOUN
fsr-3932	7	24	,	,	PUNCT
fsr-3932	7	25	and	and	CCONJ
fsr-3932	7	26	race	race	NOUN
fsr-3932	7	27	are	be	AUX
fsr-3932	7	28	frequently	frequently	ADV
fsr-3932	7	29	used	use	VERB
fsr-3932	7	30	to	to	PART
fsr-3932	7	31	identify	identify	VERB
fsr-3932	7	32	key	key	ADJ
fsr-3932	7	33	markets	market	NOUN
fsr-3932	7	34	.	.	PUNCT
fsr-3932	8	1	race	race	NOUN
fsr-3932	8	2	has	have	AUX
fsr-3932	8	3	become	become	VERB
fsr-3932	8	4	increasingly	increasingly	ADV
fsr-3932	8	5	important	important	ADJ
fsr-3932	8	6	as	as	ADP
fsr-3932	8	7	a	a	DET
fsr-3932	8	8	segmentation	segmentation	NOUN
fsr-3932	8	9	variable	variable	NOUN
fsr-3932	8	10	because	because	SCONJ
fsr-3932	8	11	it	it	PRON
fsr-3932	8	12	has	have	AUX
fsr-3932	8	13	been	be	AUX
fsr-3932	8	14	shown	show	VERB
fsr-3932	8	15	that	that	SCONJ
fsr-3932	8	16	race	race	NOUN
fsr-3932	8	17	can	can	AUX
fsr-3932	8	18	influence	influence	VERB
fsr-3932	8	19	*	*	PUNCT
fsr-3932	8	20	corresponding	correspond	VERB
fsr-3932	8	21	author	author	NOUN
fsr-3932	8	22	.	.	PUNCT
fsr-3932	9	1	tel	tel	PROPN
fsr-3932	9	2	.	.	PUNCT
fsr-3932	9	3	:	:	PUNCT
fsr-3932	10	1	�	�	PROPN
fsr-3932	10	2	1	1	NUM
fsr-3932	10	3	-	-	SYM
fsr-3932	10	4	704	704	NUM
fsr-3932	10	5	-	-	PUNCT
fsr-3932	10	6	687	687	NUM
fsr-3932	10	7	-	-	PUNCT
fsr-3932	10	8	4413	4413	NUM
fsr-3932	10	9	;	;	PUNCT
fsr-3932	10	10	fax	fax	NOUN
fsr-3932	10	11	:	:	PUNCT
fsr-3932	10	12	�	�	PROPN
fsr-3932	10	13	1	1	NUM
fsr-3932	10	14	-	-	SYM
fsr-3932	10	15	704	704	NUM
fsr-3932	10	16	-	-	PUNCT
fsr-3932	10	17	687	687	NUM
fsr-3932	10	18	-	-	SYM
fsr-3932	10	19	6987	6987	NUM
fsr-3932	10	20	.	.	PUNCT
fsr-3932	11	1	e	e	X
fsr-3932	11	2	-	-	NOUN
fsr-3932	11	3	mail	mail	NOUN
fsr-3932	11	4	address	address	NOUN
fsr-3932	11	5	:	:	PUNCT
fsr-3932	11	6	daplath@email.uncc.edu	daplath@email.uncc.edu	PROPN
fsr-3932	11	7	(	(	PUNCT
fsr-3932	11	8	d.a	d.a	PROPN
fsr-3932	11	9	.	.	PROPN
fsr-3932	11	10	plath	plath	PROPN
fsr-3932	11	11	)	)	PUNCT
fsr-3932	11	12	.	.	PUNCT
fsr-3932	12	1	financial	financial	ADJ
fsr-3932	12	2	services	service	NOUN
fsr-3932	12	3	review	review	VERB
fsr-3932	12	4	94	94	NUM
fsr-3932	12	5	(	(	PUNCT
fsr-3932	12	6	2000	2000	NUM
fsr-3932	12	7	)	)	PUNCT
fsr-3932	12	8	343–359	343–359	NUM
fsr-3932	12	9	1057	1057	NUM
fsr-3932	12	10	-	-	SYM
fsr-3932	12	11	0810/00/$	0810/00/$	NUM
fsr-3932	12	12	–	–	PUNCT
fsr-3932	12	13	see	see	VERB
fsr-3932	12	14	front	front	ADJ
fsr-3932	12	15	matter	matter	NOUN
fsr-3932	12	16	©	©	PROPN
fsr-3932	12	17	2001	2001	NUM
fsr-3932	12	18	elsevier	elsevier	PROPN
fsr-3932	12	19	science	science	PROPN
fsr-3932	12	20	inc	inc	PROPN
fsr-3932	12	21	.	.	PUNCT
fsr-3932	13	1	all	all	DET
fsr-3932	13	2	rights	right	NOUN
fsr-3932	13	3	reserved	reserve	VERB
fsr-3932	13	4	.	.	PUNCT
fsr-3932	14	1	pii	pii	NOUN
fsr-3932	14	2	:	:	PUNCT
fsr-3932	14	3	s1057	s1057	NOUN
fsr-3932	14	4	-	-	PUNCT
fsr-3932	14	5	0810(01)00073	0810(01)00073	NOUN
fsr-3932	14	6	-	-	SYM
fsr-3932	14	7	7	7	NUM
fsr-3932	14	8	consumption	consumption	NOUN
fsr-3932	14	9	patterns	pattern	NOUN
fsr-3932	14	10	and	and	CCONJ
fsr-3932	14	11	because	because	SCONJ
fsr-3932	14	12	racial	racial	ADJ
fsr-3932	14	13	minorities	minority	NOUN
fsr-3932	14	14	have	have	AUX
fsr-3932	14	15	come	come	VERB
fsr-3932	14	16	to	to	PART
fsr-3932	14	17	represent	represent	VERB
fsr-3932	14	18	a	a	DET
fsr-3932	14	19	larger	large	ADJ
fsr-3932	14	20	and	and	CCONJ
fsr-3932	14	21	larger	large	ADJ
fsr-3932	14	22	proportion	proportion	NOUN
fsr-3932	14	23	of	of	ADP
fsr-3932	14	24	the	the	DET
fsr-3932	14	25	u.s	u.s	PROPN
fsr-3932	14	26	.	.	PROPN
fsr-3932	14	27	population	population	NOUN
fsr-3932	14	28	.	.	PUNCT
fsr-3932	15	1	the	the	DET
fsr-3932	15	2	sheer	sheer	ADJ
fsr-3932	15	3	numbers	number	NOUN
fsr-3932	15	4	of	of	ADP
fsr-3932	15	5	the	the	DET
fsr-3932	15	6	largest	large	ADJ
fsr-3932	15	7	minority	minority	NOUN
fsr-3932	15	8	group	group	NOUN
fsr-3932	15	9	,	,	PUNCT
fsr-3932	15	10	african	african	PROPN
fsr-3932	15	11	-	-	PUNCT
fsr-3932	15	12	americans	americans	PROPN
fsr-3932	15	13	,	,	PUNCT
fsr-3932	15	14	and	and	CCONJ
fsr-3932	15	15	the	the	DET
fsr-3932	15	16	improving	improve	VERB
fsr-3932	15	17	economic	economic	ADJ
fsr-3932	15	18	status	status	NOUN
fsr-3932	15	19	of	of	ADP
fsr-3932	15	20	many	many	ADJ
fsr-3932	15	21	of	of	ADP
fsr-3932	15	22	its	its	PRON
fsr-3932	15	23	members	member	NOUN
fsr-3932	15	24	,	,	PUNCT
fsr-3932	15	25	make	make	VERB
fsr-3932	15	26	this	this	DET
fsr-3932	15	27	racial	racial	ADJ
fsr-3932	15	28	minority	minority	NOUN
fsr-3932	15	29	especially	especially	ADV
fsr-3932	15	30	attractive	attractive	ADJ
fsr-3932	15	31	.	.	PUNCT
fsr-3932	16	1	nevertheless	nevertheless	ADV
fsr-3932	16	2	,	,	PUNCT
fsr-3932	16	3	relatively	relatively	ADV
fsr-3932	16	4	few	few	ADJ
fsr-3932	16	5	studies	study	NOUN
fsr-3932	16	6	in	in	ADP
fsr-3932	16	7	the	the	DET
fsr-3932	16	8	finance	finance	NOUN
fsr-3932	16	9	literature	literature	NOUN
fsr-3932	16	10	have	have	AUX
fsr-3932	16	11	profiled	profile	VERB
fsr-3932	16	12	differences	difference	NOUN
fsr-3932	16	13	in	in	ADP
fsr-3932	16	14	financial	financial	ADJ
fsr-3932	16	15	asset	asset	NOUN
fsr-3932	16	16	portfolio	portfolio	NOUN
fsr-3932	16	17	holdings	holding	NOUN
fsr-3932	16	18	of	of	ADP
fsr-3932	16	19	black	black	ADJ
fsr-3932	16	20	versus	versus	ADP
fsr-3932	16	21	white	white	ADJ
fsr-3932	16	22	households	household	NOUN
fsr-3932	16	23	,	,	PUNCT
fsr-3932	16	24	or	or	CCONJ
fsr-3932	16	25	examined	examine	VERB
fsr-3932	16	26	how	how	SCONJ
fsr-3932	16	27	these	these	DET
fsr-3932	16	28	differences	difference	NOUN
fsr-3932	16	29	should	should	AUX
fsr-3932	16	30	affect	affect	VERB
fsr-3932	16	31	the	the	DET
fsr-3932	16	32	manner	manner	NOUN
fsr-3932	16	33	in	in	ADP
fsr-3932	16	34	which	which	PRON
fsr-3932	16	35	financial	financial	ADJ
fsr-3932	16	36	planners	planner	NOUN
fsr-3932	16	37	tailor	tailor	VERB
fsr-3932	16	38	their	their	PRON
fsr-3932	16	39	marketing	marketing	NOUN
fsr-3932	16	40	efforts	effort	NOUN
fsr-3932	16	41	to	to	PART
fsr-3932	16	42	meet	meet	VERB
fsr-3932	16	43	the	the	DET
fsr-3932	16	44	needs	need	NOUN
fsr-3932	16	45	of	of	ADP
fsr-3932	16	46	different	different	ADJ
fsr-3932	16	47	racial	racial	ADJ
fsr-3932	16	48	groups	group	NOUN
fsr-3932	16	49	.	.	PUNCT
fsr-3932	17	1	the	the	DET
fsr-3932	17	2	purpose	purpose	NOUN
fsr-3932	17	3	of	of	ADP
fsr-3932	17	4	this	this	DET
fsr-3932	17	5	study	study	NOUN
fsr-3932	17	6	is	be	AUX
fsr-3932	17	7	twofold	twofold	ADV
fsr-3932	17	8	:	:	PUNCT
fsr-3932	17	9	first	first	ADV
fsr-3932	17	10	,	,	PUNCT
fsr-3932	17	11	we	we	PRON
fsr-3932	17	12	seek	seek	VERB
fsr-3932	17	13	to	to	PART
fsr-3932	17	14	profile	profile	VERB
fsr-3932	17	15	racial	racial	ADJ
fsr-3932	17	16	differences	difference	NOUN
fsr-3932	17	17	in	in	ADP
fsr-3932	17	18	investment	investment	NOUN
fsr-3932	17	19	asset	asset	NOUN
fsr-3932	17	20	ownership	ownership	NOUN
fsr-3932	17	21	patterns	pattern	NOUN
fsr-3932	17	22	between	between	ADP
fsr-3932	17	23	black	black	ADJ
fsr-3932	17	24	and	and	CCONJ
fsr-3932	17	25	white	white	ADJ
fsr-3932	17	26	households	household	NOUN
fsr-3932	17	27	,	,	PUNCT
fsr-3932	17	28	evaluating	evaluate	VERB
fsr-3932	17	29	the	the	DET
fsr-3932	17	30	extent	extent	NOUN
fsr-3932	17	31	to	to	PART
fsr-3932	17	32	which	which	PRON
fsr-3932	17	33	this	this	DET
fsr-3932	17	34	profile	profile	NOUN
fsr-3932	17	35	is	be	AUX
fsr-3932	17	36	consistent	consistent	ADJ
fsr-3932	17	37	with	with	ADP
fsr-3932	17	38	information	information	NOUN
fsr-3932	17	39	reported	report	VERB
fsr-3932	17	40	in	in	ADP
fsr-3932	17	41	other	other	ADJ
fsr-3932	17	42	academic	academic	ADJ
fsr-3932	17	43	work	work	NOUN
fsr-3932	17	44	that	that	PRON
fsr-3932	17	45	examines	examine	VERB
fsr-3932	17	46	racial	racial	ADJ
fsr-3932	17	47	differences	difference	NOUN
fsr-3932	17	48	in	in	ADP
fsr-3932	17	49	wealth	wealth	NOUN
fsr-3932	17	50	accumulation	accumulation	NOUN
fsr-3932	17	51	patterns	pattern	NOUN
fsr-3932	17	52	and	and	CCONJ
fsr-3932	17	53	risk	risk	NOUN
fsr-3932	17	54	tolerance	tolerance	NOUN
fsr-3932	17	55	levels	level	NOUN
fsr-3932	17	56	.	.	PUNCT
fsr-3932	18	1	second	second	ADJ
fsr-3932	18	2	,	,	PUNCT
fsr-3932	18	3	we	we	PRON
fsr-3932	18	4	seek	seek	VERB
fsr-3932	18	5	to	to	PART
fsr-3932	18	6	use	use	VERB
fsr-3932	18	7	the	the	DET
fsr-3932	18	8	profile	profile	NOUN
fsr-3932	18	9	of	of	ADP
fsr-3932	18	10	financial	financial	ADJ
fsr-3932	18	11	asset	asset	NOUN
fsr-3932	18	12	portfolio	portfolio	NOUN
fsr-3932	18	13	holdings	holding	NOUN
fsr-3932	18	14	reported	report	VERB
fsr-3932	18	15	here	here	ADV
fsr-3932	18	16	to	to	PART
fsr-3932	18	17	advise	advise	VERB
fsr-3932	18	18	financial	financial	ADJ
fsr-3932	18	19	planners	planner	NOUN
fsr-3932	18	20	and	and	CCONJ
fsr-3932	18	21	others	other	NOUN
fsr-3932	18	22	in	in	ADP
fsr-3932	18	23	the	the	DET
fsr-3932	18	24	financial	financial	ADJ
fsr-3932	18	25	community	community	NOUN
fsr-3932	18	26	how	how	SCONJ
fsr-3932	18	27	to	to	PART
fsr-3932	18	28	structure	structure	VERB
fsr-3932	18	29	their	their	PRON
fsr-3932	18	30	product	product	NOUN
fsr-3932	18	31	offerings	offering	NOUN
fsr-3932	18	32	to	to	PART
fsr-3932	18	33	more	more	ADV
fsr-3932	18	34	effectively	effectively	ADV
fsr-3932	18	35	meet	meet	VERB
fsr-3932	18	36	the	the	DET
fsr-3932	18	37	needs	need	NOUN
fsr-3932	18	38	of	of	ADP
fsr-3932	18	39	african	african	ADJ
fsr-3932	18	40	-	-	PUNCT
fsr-3932	18	41	american	american	ADJ
fsr-3932	18	42	consumers	consumer	NOUN
fsr-3932	18	43	.	.	PUNCT
fsr-3932	19	1	the	the	DET
fsr-3932	19	2	balance	balance	NOUN
fsr-3932	19	3	of	of	ADP
fsr-3932	19	4	this	this	DET
fsr-3932	19	5	study	study	NOUN
fsr-3932	19	6	provides	provide	VERB
fsr-3932	19	7	information	information	NOUN
fsr-3932	19	8	and	and	CCONJ
fsr-3932	19	9	insights	insight	NOUN
fsr-3932	19	10	regarding	regard	VERB
fsr-3932	19	11	the	the	DET
fsr-3932	19	12	financial	financial	ADJ
fsr-3932	19	13	holdings	holding	NOUN
fsr-3932	19	14	and	and	CCONJ
fsr-3932	19	15	investment	investment	NOUN
fsr-3932	19	16	asset	asset	NOUN
fsr-3932	19	17	consumption	consumption	NOUN
fsr-3932	19	18	preferences	preference	NOUN
fsr-3932	19	19	of	of	ADP
fsr-3932	19	20	black	black	ADJ
fsr-3932	19	21	and	and	CCONJ
fsr-3932	19	22	white	white	ADJ
fsr-3932	19	23	households	household	NOUN
fsr-3932	19	24	.	.	PUNCT
fsr-3932	20	1	section	section	NOUN
fsr-3932	20	2	i	i	PRON
fsr-3932	20	3	profiles	profile	VERB
fsr-3932	20	4	the	the	DET
fsr-3932	20	5	growth	growth	NOUN
fsr-3932	20	6	of	of	ADP
fsr-3932	20	7	african	african	ADJ
fsr-3932	20	8	-	-	PUNCT
fsr-3932	20	9	american	american	ADJ
fsr-3932	20	10	households	household	NOUN
fsr-3932	20	11	in	in	ADP
fsr-3932	20	12	recent	recent	ADJ
fsr-3932	20	13	years	year	NOUN
fsr-3932	20	14	and	and	CCONJ
fsr-3932	20	15	surveys	survey	NOUN
fsr-3932	20	16	the	the	DET
fsr-3932	20	17	literature	literature	NOUN
fsr-3932	20	18	to	to	PART
fsr-3932	20	19	ascertain	ascertain	VERB
fsr-3932	20	20	extant	extant	ADJ
fsr-3932	20	21	knowledge	knowledge	NOUN
fsr-3932	20	22	about	about	ADP
fsr-3932	20	23	differences	difference	NOUN
fsr-3932	20	24	in	in	ADP
fsr-3932	20	25	black	black	ADJ
fsr-3932	20	26	versus	versus	ADP
fsr-3932	20	27	white	white	ADJ
fsr-3932	20	28	financial	financial	ADJ
fsr-3932	20	29	asset	asset	NOUN
fsr-3932	20	30	portfolio	portfolio	NOUN
fsr-3932	20	31	holdings	holding	NOUN
fsr-3932	20	32	.	.	PUNCT
fsr-3932	21	1	section	section	NOUN
fsr-3932	21	2	ii	ii	PROPN
fsr-3932	21	3	introduces	introduce	VERB
fsr-3932	21	4	the	the	DET
fsr-3932	21	5	scf	scf	PROPN
fsr-3932	21	6	dataset	dataset	NOUN
fsr-3932	21	7	that	that	PRON
fsr-3932	21	8	represents	represent	VERB
fsr-3932	21	9	the	the	DET
fsr-3932	21	10	source	source	NOUN
fsr-3932	21	11	of	of	ADP
fsr-3932	21	12	the	the	DET
fsr-3932	21	13	statistical	statistical	ADJ
fsr-3932	21	14	information	information	NOUN
fsr-3932	21	15	reported	report	VERB
fsr-3932	21	16	in	in	ADP
fsr-3932	21	17	the	the	DET
fsr-3932	21	18	article	article	NOUN
fsr-3932	21	19	,	,	PUNCT
fsr-3932	21	20	and	and	CCONJ
fsr-3932	21	21	explains	explain	VERB
fsr-3932	21	22	the	the	DET
fsr-3932	21	23	statistical	statistical	ADJ
fsr-3932	21	24	tests	test	NOUN
fsr-3932	21	25	used	use	VERB
fsr-3932	21	26	to	to	PART
fsr-3932	21	27	compare	compare	VERB
fsr-3932	21	28	black	black	ADJ
fsr-3932	21	29	versus	versus	ADP
fsr-3932	21	30	white	white	ADJ
fsr-3932	21	31	households	household	NOUN
fsr-3932	21	32	.	.	PUNCT
fsr-3932	22	1	section	section	NOUN
fsr-3932	22	2	iii	iii	PROPN
fsr-3932	22	3	presents	present	VERB
fsr-3932	22	4	some	some	PRON
fsr-3932	22	5	of	of	ADP
fsr-3932	22	6	the	the	DET
fsr-3932	22	7	principal	principal	ADJ
fsr-3932	22	8	differences	difference	NOUN
fsr-3932	22	9	in	in	ADP
fsr-3932	22	10	asset	asset	NOUN
fsr-3932	22	11	holding	hold	VERB
fsr-3932	22	12	patterns	pattern	NOUN
fsr-3932	22	13	across	across	ADP
fsr-3932	22	14	black	black	ADJ
fsr-3932	22	15	and	and	CCONJ
fsr-3932	22	16	white	white	ADJ
fsr-3932	22	17	consumers	consumer	NOUN
fsr-3932	22	18	,	,	PUNCT
fsr-3932	22	19	controlling	control	VERB
fsr-3932	22	20	for	for	ADP
fsr-3932	22	21	income	income	NOUN
fsr-3932	22	22	,	,	PUNCT
fsr-3932	22	23	age	age	NOUN
fsr-3932	22	24	,	,	PUNCT
fsr-3932	22	25	and	and	CCONJ
fsr-3932	22	26	educational	educational	ADJ
fsr-3932	22	27	attainment	attainment	NOUN
fsr-3932	22	28	in	in	ADP
fsr-3932	22	29	presenting	present	VERB
fsr-3932	22	30	household	household	NOUN
fsr-3932	22	31	financial	financial	ADJ
fsr-3932	22	32	information	information	NOUN
fsr-3932	22	33	across	across	ADP
fsr-3932	22	34	different	different	ADJ
fsr-3932	22	35	racial	racial	ADJ
fsr-3932	22	36	groups	group	NOUN
fsr-3932	22	37	.	.	PUNCT
fsr-3932	23	1	section	section	NOUN
fsr-3932	23	2	iv	iv	NUM
fsr-3932	23	3	uses	use	VERB
fsr-3932	23	4	the	the	DET
fsr-3932	23	5	information	information	NOUN
fsr-3932	23	6	introduced	introduce	VERB
fsr-3932	23	7	in	in	ADP
fsr-3932	23	8	section	section	NOUN
fsr-3932	23	9	iii	iii	NUM
fsr-3932	23	10	to	to	PART
fsr-3932	23	11	develop	develop	VERB
fsr-3932	23	12	a	a	DET
fsr-3932	23	13	profile	profile	NOUN
fsr-3932	23	14	of	of	ADP
fsr-3932	23	15	african	african	ADJ
fsr-3932	23	16	-	-	PUNCT
fsr-3932	23	17	american	american	ADJ
fsr-3932	23	18	households	household	NOUN
fsr-3932	23	19	’	'	PUNCT
fsr-3932	23	20	wealth	wealth	NOUN
fsr-3932	23	21	-	-	PUNCT
fsr-3932	23	22	building	building	NOUN
fsr-3932	23	23	asset	asset	NOUN
fsr-3932	23	24	portfolios	portfolio	NOUN
fsr-3932	23	25	for	for	ADP
fsr-3932	23	26	financial	financial	ADJ
fsr-3932	23	27	planners	planner	NOUN
fsr-3932	23	28	seeking	seek	VERB
fsr-3932	23	29	to	to	PART
fsr-3932	23	30	understand	understand	VERB
fsr-3932	23	31	and	and	CCONJ
fsr-3932	23	32	serve	serve	VERB
fsr-3932	23	33	the	the	DET
fsr-3932	23	34	needs	need	NOUN
fsr-3932	23	35	of	of	ADP
fsr-3932	23	36	the	the	DET
fsr-3932	23	37	african	african	ADJ
fsr-3932	23	38	-	-	PUNCT
fsr-3932	23	39	american	american	ADJ
fsr-3932	23	40	market	market	NOUN
fsr-3932	23	41	segment	segment	NOUN
fsr-3932	23	42	.	.	PUNCT
fsr-3932	24	1	finally	finally	ADV
fsr-3932	24	2	,	,	PUNCT
fsr-3932	24	3	section	section	NOUN
fsr-3932	24	4	v	v	NOUN
fsr-3932	24	5	provides	provide	VERB
fsr-3932	24	6	conclusions	conclusion	NOUN
fsr-3932	24	7	regarding	regard	VERB
fsr-3932	24	8	the	the	DET
fsr-3932	24	9	differences	difference	NOUN
fsr-3932	24	10	between	between	ADP
fsr-3932	24	11	black	black	ADJ
fsr-3932	24	12	and	and	CCONJ
fsr-3932	24	13	white	white	ADJ
fsr-3932	24	14	financial	financial	ADJ
fsr-3932	24	15	consumers	consumer	NOUN
fsr-3932	24	16	and	and	CCONJ
fsr-3932	24	17	summarizes	summarize	NOUN
fsr-3932	24	18	how	how	SCONJ
fsr-3932	24	19	these	these	DET
fsr-3932	24	20	differences	difference	NOUN
fsr-3932	24	21	influence	influence	VERB
fsr-3932	24	22	asset	asset	NOUN
fsr-3932	24	23	holdings	holding	NOUN
fsr-3932	24	24	patterns	pattern	NOUN
fsr-3932	24	25	across	across	ADP
fsr-3932	24	26	the	the	DET
fsr-3932	24	27	two	two	NUM
fsr-3932	24	28	racial	racial	ADJ
fsr-3932	24	29	groups	group	NOUN
fsr-3932	24	30	.	.	PUNCT
fsr-3932	25	1	1	1	X
fsr-3932	25	2	.	.	X
fsr-3932	25	3	wealth	wealth	NOUN
fsr-3932	25	4	accumulation	accumulation	NOUN
fsr-3932	25	5	and	and	CCONJ
fsr-3932	25	6	the	the	DET
fsr-3932	25	7	african	african	ADJ
fsr-3932	25	8	-	-	PUNCT
fsr-3932	25	9	american	american	ADJ
fsr-3932	25	10	consumer	consumer	NOUN
fsr-3932	25	11	the	the	DET
fsr-3932	25	12	number	number	NOUN
fsr-3932	25	13	of	of	ADP
fsr-3932	25	14	african	african	ADJ
fsr-3932	25	15	-	-	PUNCT
fsr-3932	25	16	americans	americans	PROPN
fsr-3932	25	17	in	in	ADP
fsr-3932	25	18	the	the	DET
fsr-3932	25	19	u.s	u.s	PROPN
fsr-3932	25	20	.	.	PROPN
fsr-3932	25	21	has	have	AUX
fsr-3932	25	22	grown	grow	VERB
fsr-3932	25	23	rapidly	rapidly	ADV
fsr-3932	25	24	.	.	PUNCT
fsr-3932	26	1	in	in	ADP
fsr-3932	26	2	the	the	DET
fsr-3932	26	3	ten	ten	NUM
fsr-3932	26	4	-	-	PUNCT
fsr-3932	26	5	year	year	NOUN
fsr-3932	26	6	period	period	NOUN
fsr-3932	26	7	from	from	ADP
fsr-3932	26	8	1985	1985	NUM
fsr-3932	26	9	to	to	ADP
fsr-3932	26	10	1995	1995	NUM
fsr-3932	26	11	for	for	ADP
fsr-3932	26	12	example	example	NOUN
fsr-3932	26	13	,	,	PUNCT
fsr-3932	26	14	there	there	PRON
fsr-3932	26	15	was	be	VERB
fsr-3932	26	16	an	an	DET
fsr-3932	26	17	increase	increase	NOUN
fsr-3932	26	18	of	of	ADP
fsr-3932	26	19	more	more	ADJ
fsr-3932	26	20	than	than	ADP
fsr-3932	26	21	4.5	4.5	NUM
fsr-3932	26	22	million	million	NUM
fsr-3932	26	23	africanamericans	africanamerican	NOUN
fsr-3932	26	24	in	in	ADP
fsr-3932	26	25	the	the	DET
fsr-3932	26	26	u.s	u.s	PROPN
fsr-3932	26	27	.	.	PROPN
fsr-3932	26	28	,	,	PUNCT
fsr-3932	26	29	a	a	DET
fsr-3932	26	30	nearly	nearly	ADV
fsr-3932	26	31	16	16	NUM
fsr-3932	26	32	percent	percent	NOUN
fsr-3932	26	33	increase	increase	NOUN
fsr-3932	26	34	.	.	PUNCT
fsr-3932	27	1	the	the	DET
fsr-3932	27	2	corresponding	correspond	VERB
fsr-3932	27	3	percentage	percentage	NOUN
fsr-3932	27	4	increase	increase	NOUN
fsr-3932	27	5	for	for	ADP
fsr-3932	27	6	caucasians	caucasian	NOUN
fsr-3932	27	7	in	in	ADP
fsr-3932	27	8	the	the	DET
fsr-3932	27	9	same	same	ADJ
fsr-3932	27	10	period	period	NOUN
fsr-3932	27	11	was	be	AUX
fsr-3932	27	12	just	just	ADV
fsr-3932	27	13	under	under	ADP
fsr-3932	27	14	8	8	NUM
fsr-3932	27	15	percent	percent	NOUN
fsr-3932	27	16	.	.	PUNCT
fsr-3932	28	1	during	during	ADP
fsr-3932	28	2	the	the	DET
fsr-3932	28	3	same	same	ADJ
fsr-3932	28	4	ten	ten	NUM
fsr-3932	28	5	-	-	PUNCT
fsr-3932	28	6	year	year	NOUN
fsr-3932	28	7	period	period	NOUN
fsr-3932	28	8	,	,	PUNCT
fsr-3932	28	9	the	the	DET
fsr-3932	28	10	number	number	NOUN
fsr-3932	28	11	of	of	ADP
fsr-3932	28	12	black	black	ADJ
fsr-3932	28	13	households	household	NOUN
fsr-3932	28	14	grew	grow	VERB
fsr-3932	28	15	by	by	ADP
fsr-3932	28	16	23	23	NUM
fsr-3932	28	17	percent	percent	NOUN
fsr-3932	28	18	;	;	PUNCT
fsr-3932	28	19	white	white	ADJ
fsr-3932	28	20	households	household	NOUN
fsr-3932	28	21	grew	grow	VERB
fsr-3932	28	22	by	by	ADP
fsr-3932	28	23	only	only	ADV
fsr-3932	28	24	11	11	NUM
fsr-3932	28	25	percent	percent	NOUN
fsr-3932	28	26	.	.	PUNCT
fsr-3932	29	1	moreover	moreover	ADV
fsr-3932	29	2	,	,	PUNCT
fsr-3932	29	3	the	the	DET
fsr-3932	29	4	total	total	ADJ
fsr-3932	29	5	u.s	u.s	PROPN
fsr-3932	29	6	.	.	PROPN
fsr-3932	29	7	population	population	NOUN
fsr-3932	29	8	of	of	ADP
fsr-3932	29	9	blacks	black	NOUN
fsr-3932	29	10	is	be	AUX
fsr-3932	29	11	predicted	predict	VERB
fsr-3932	29	12	to	to	PART
fsr-3932	29	13	increase	increase	VERB
fsr-3932	29	14	by	by	ADP
fsr-3932	29	15	as	as	ADV
fsr-3932	29	16	many	many	ADJ
fsr-3932	29	17	as	as	ADP
fsr-3932	29	18	17	17	NUM
fsr-3932	29	19	million	million	NUM
fsr-3932	29	20	by	by	ADP
fsr-3932	29	21	the	the	DET
fsr-3932	29	22	year	year	NOUN
fsr-3932	29	23	2020	2020	NUM
fsr-3932	29	24	.	.	PUNCT
fsr-3932	30	1	this	this	PRON
fsr-3932	30	2	represents	represent	VERB
fsr-3932	30	3	a	a	DET
fsr-3932	30	4	projected	project	VERB
fsr-3932	30	5	53	53	NUM
fsr-3932	30	6	percent	percent	NOUN
fsr-3932	30	7	increase	increase	NOUN
fsr-3932	30	8	over	over	ADP
fsr-3932	30	9	the	the	DET
fsr-3932	30	10	25	25	NUM
fsr-3932	30	11	years	year	NOUN
fsr-3932	30	12	from	from	ADP
fsr-3932	30	13	1995	1995	NUM
fsr-3932	30	14	;	;	PUNCT
fsr-3932	30	15	the	the	DET
fsr-3932	30	16	white	white	ADJ
fsr-3932	30	17	population	population	NOUN
fsr-3932	30	18	is	be	AUX
fsr-3932	30	19	forecast	forecast	VERB
fsr-3932	30	20	to	to	PART
fsr-3932	30	21	grow	grow	VERB
fsr-3932	30	22	only	only	ADV
fsr-3932	30	23	28	28	NUM
fsr-3932	30	24	percent	percent	NOUN
fsr-3932	30	25	during	during	ADP
fsr-3932	30	26	the	the	DET
fsr-3932	30	27	corresponding	corresponding	ADJ
fsr-3932	30	28	period	period	NOUN
fsr-3932	30	29	(	(	PUNCT
fsr-3932	30	30	u.s	u.s	PROPN
fsr-3932	30	31	.	.	PROPN
fsr-3932	30	32	department	department	PROPN
fsr-3932	30	33	of	of	ADP
fsr-3932	30	34	commerce	commerce	PROPN
fsr-3932	30	35	,	,	PUNCT
fsr-3932	30	36	1998	1998	NUM
fsr-3932	30	37	)	)	PUNCT
fsr-3932	30	38	.	.	PUNCT
fsr-3932	31	1	in	in	ADP
fsr-3932	31	2	spite	spite	NOUN
fsr-3932	31	3	of	of	ADP
fsr-3932	31	4	this	this	DET
fsr-3932	31	5	rapid	rapid	ADJ
fsr-3932	31	6	growth	growth	NOUN
fsr-3932	31	7	,	,	PUNCT
fsr-3932	31	8	very	very	ADV
fsr-3932	31	9	little	little	ADJ
fsr-3932	31	10	academic	academic	ADJ
fsr-3932	31	11	research	research	NOUN
fsr-3932	31	12	examines	examine	VERB
fsr-3932	31	13	how	how	SCONJ
fsr-3932	31	14	financial	financial	ADJ
fsr-3932	31	15	asset	asset	NOUN
fsr-3932	31	16	344	344	NUM
fsr-3932	31	17	d.a	d.a	PROPN
fsr-3932	31	18	.	.	PROPN
fsr-3932	31	19	plath	plath	PROPN
fsr-3932	31	20	,	,	PUNCT
fsr-3932	31	21	t.h	t.h	PROPN
fsr-3932	31	22	.	.	PROPN
fsr-3932	31	23	stevenson	stevenson	PROPN
fsr-3932	31	24	/	/	SYM
fsr-3932	31	25	financial	financial	ADJ
fsr-3932	31	26	services	service	NOUN
fsr-3932	31	27	review	review	VERB
fsr-3932	31	28	94	94	NUM
fsr-3932	31	29	(	(	PUNCT
fsr-3932	31	30	2000	2000	NUM
fsr-3932	31	31	)	)	PUNCT
fsr-3932	32	1	343–359	343–359	NUM
fsr-3932	32	2	consumption	consumption	NOUN
fsr-3932	32	3	preferences	preference	NOUN
fsr-3932	32	4	differ	differ	VERB
fsr-3932	32	5	between	between	ADP
fsr-3932	32	6	african	african	ADJ
fsr-3932	32	7	-	-	PUNCT
fsr-3932	32	8	american	american	ADJ
fsr-3932	32	9	and	and	CCONJ
fsr-3932	32	10	caucasian	caucasian	ADJ
fsr-3932	32	11	households	household	NOUN
fsr-3932	32	12	,	,	PUNCT
fsr-3932	32	13	and	and	CCONJ
fsr-3932	32	14	most	most	ADJ
fsr-3932	32	15	prior	prior	ADJ
fsr-3932	32	16	research	research	NOUN
fsr-3932	32	17	examines	examine	VERB
fsr-3932	32	18	investment	investment	NOUN
fsr-3932	32	19	portfolio	portfolio	NOUN
fsr-3932	32	20	differences	difference	NOUN
fsr-3932	32	21	between	between	ADP
fsr-3932	32	22	black	black	ADJ
fsr-3932	32	23	and	and	CCONJ
fsr-3932	32	24	white	white	ADJ
fsr-3932	32	25	households	household	NOUN
fsr-3932	32	26	only	only	ADV
fsr-3932	32	27	as	as	ADP
fsr-3932	32	28	a	a	DET
fsr-3932	32	29	secondary	secondary	ADJ
fsr-3932	32	30	issue	issue	NOUN
fsr-3932	32	31	.	.	PUNCT
fsr-3932	33	1	in	in	ADP
fsr-3932	33	2	general	general	ADJ
fsr-3932	33	3	,	,	PUNCT
fsr-3932	33	4	past	past	ADJ
fsr-3932	33	5	studies	study	NOUN
fsr-3932	33	6	focus	focus	VERB
fsr-3932	33	7	on	on	ADP
fsr-3932	33	8	(	(	PUNCT
fsr-3932	33	9	1	1	X
fsr-3932	33	10	)	)	PUNCT
fsr-3932	33	11	differences	difference	NOUN
fsr-3932	33	12	in	in	ADP
fsr-3932	33	13	wealth	wealth	NOUN
fsr-3932	33	14	accumulation	accumulation	NOUN
fsr-3932	33	15	rates	rate	NOUN
fsr-3932	33	16	between	between	ADP
fsr-3932	33	17	black	black	ADJ
fsr-3932	33	18	and	and	CCONJ
fsr-3932	33	19	white	white	ADJ
fsr-3932	33	20	households	household	NOUN
fsr-3932	33	21	,	,	PUNCT
fsr-3932	33	22	invoking	invoke	VERB
fsr-3932	33	23	asset	asset	NOUN
fsr-3932	33	24	portfolio	portfolio	NOUN
fsr-3932	33	25	differences	difference	NOUN
fsr-3932	33	26	only	only	ADV
fsr-3932	33	27	to	to	PART
fsr-3932	33	28	explain	explain	VERB
fsr-3932	33	29	divergent	divergent	ADJ
fsr-3932	33	30	rates	rate	NOUN
fsr-3932	33	31	of	of	ADP
fsr-3932	33	32	wealth	wealth	NOUN
fsr-3932	33	33	accumulation	accumulation	NOUN
fsr-3932	33	34	,	,	PUNCT
fsr-3932	33	35	or	or	CCONJ
fsr-3932	33	36	(	(	PUNCT
fsr-3932	33	37	2	2	X
fsr-3932	33	38	)	)	PUNCT
fsr-3932	33	39	differences	difference	NOUN
fsr-3932	33	40	in	in	ADP
fsr-3932	33	41	risk	risk	NOUN
fsr-3932	33	42	tolerance	tolerance	NOUN
fsr-3932	33	43	across	across	ADP
fsr-3932	33	44	the	the	DET
fsr-3932	33	45	races	race	NOUN
fsr-3932	33	46	,	,	PUNCT
fsr-3932	33	47	using	use	VERB
fsr-3932	33	48	portfolio	portfolio	NOUN
fsr-3932	33	49	composition	composition	NOUN
fsr-3932	33	50	differences	difference	NOUN
fsr-3932	33	51	to	to	PART
fsr-3932	33	52	illustrate	illustrate	VERB
fsr-3932	33	53	differences	difference	NOUN
fsr-3932	33	54	in	in	ADP
fsr-3932	33	55	exposure	exposure	NOUN
fsr-3932	33	56	to	to	ADP
fsr-3932	33	57	liquidity	liquidity	NOUN
fsr-3932	33	58	and	and	CCONJ
fsr-3932	33	59	default	default	NOUN
fsr-3932	33	60	risk	risk	NOUN
fsr-3932	33	61	across	across	ADP
fsr-3932	33	62	different	different	ADJ
fsr-3932	33	63	racial	racial	ADJ
fsr-3932	33	64	groups	group	NOUN
fsr-3932	33	65	.	.	PUNCT
fsr-3932	34	1	while	while	SCONJ
fsr-3932	34	2	these	these	DET
fsr-3932	34	3	studies	study	NOUN
fsr-3932	34	4	touch	touch	VERB
fsr-3932	34	5	on	on	ADP
fsr-3932	34	6	investment	investment	NOUN
fsr-3932	34	7	portfolio	portfolio	NOUN
fsr-3932	34	8	composition	composition	NOUN
fsr-3932	34	9	differences	difference	NOUN
fsr-3932	34	10	across	across	ADP
fsr-3932	34	11	different	different	ADJ
fsr-3932	34	12	racial	racial	ADJ
fsr-3932	34	13	groups	group	NOUN
fsr-3932	34	14	,	,	PUNCT
fsr-3932	34	15	portfolio	portfolio	NOUN
fsr-3932	34	16	differences	difference	NOUN
fsr-3932	34	17	are	be	AUX
fsr-3932	34	18	seldom	seldom	ADV
fsr-3932	34	19	the	the	DET
fsr-3932	34	20	focal	focal	ADJ
fsr-3932	34	21	point	point	NOUN
fsr-3932	34	22	of	of	ADP
fsr-3932	34	23	the	the	DET
fsr-3932	34	24	research	research	NOUN
fsr-3932	34	25	effort	effort	NOUN
fsr-3932	34	26	and	and	CCONJ
fsr-3932	34	27	they	they	PRON
fsr-3932	34	28	frequently	frequently	ADV
fsr-3932	34	29	reference	reference	VERB
fsr-3932	34	30	a	a	DET
fsr-3932	34	31	limited	limited	ADJ
fsr-3932	34	32	spectrum	spectrum	NOUN
fsr-3932	34	33	of	of	ADP
fsr-3932	34	34	investment	investment	NOUN
fsr-3932	34	35	assets	asset	NOUN
fsr-3932	34	36	in	in	ADP
fsr-3932	34	37	only	only	ADV
fsr-3932	34	38	two	two	NUM
fsr-3932	34	39	or	or	CCONJ
fsr-3932	34	40	three	three	NUM
fsr-3932	34	41	financial	financial	ADJ
fsr-3932	34	42	categories	category	NOUN
fsr-3932	34	43	.	.	PUNCT
fsr-3932	35	1	in	in	ADP
fsr-3932	35	2	spite	spite	NOUN
fsr-3932	35	3	of	of	ADP
fsr-3932	35	4	these	these	DET
fsr-3932	35	5	limitations	limitation	NOUN
fsr-3932	35	6	,	,	PUNCT
fsr-3932	35	7	the	the	DET
fsr-3932	35	8	wealth	wealth	NOUN
fsr-3932	35	9	accumulation	accumulation	NOUN
fsr-3932	35	10	literature	literature	NOUN
fsr-3932	35	11	does	do	AUX
fsr-3932	35	12	provide	provide	VERB
fsr-3932	35	13	a	a	DET
fsr-3932	35	14	useful	useful	ADJ
fsr-3932	35	15	starting	starting	NOUN
fsr-3932	35	16	point	point	NOUN
fsr-3932	35	17	to	to	PART
fsr-3932	35	18	characterize	characterize	VERB
fsr-3932	35	19	differences	difference	NOUN
fsr-3932	35	20	in	in	ADP
fsr-3932	35	21	the	the	DET
fsr-3932	35	22	investment	investment	NOUN
fsr-3932	35	23	portfolio	portfolio	NOUN
fsr-3932	35	24	holdings	holding	NOUN
fsr-3932	35	25	of	of	ADP
fsr-3932	35	26	black	black	ADJ
fsr-3932	35	27	and	and	CCONJ
fsr-3932	35	28	white	white	ADJ
fsr-3932	35	29	financial	financial	ADJ
fsr-3932	35	30	consumers	consumer	NOUN
fsr-3932	35	31	.	.	PUNCT
fsr-3932	36	1	for	for	ADP
fsr-3932	36	2	example	example	NOUN
fsr-3932	36	3	,	,	PUNCT
fsr-3932	36	4	it	it	PRON
fsr-3932	36	5	is	be	AUX
fsr-3932	36	6	widely	widely	ADV
fsr-3932	36	7	recognized	recognize	VERB
fsr-3932	36	8	that	that	SCONJ
fsr-3932	36	9	the	the	DET
fsr-3932	36	10	rate	rate	NOUN
fsr-3932	36	11	of	of	ADP
fsr-3932	36	12	wealth	wealth	NOUN
fsr-3932	36	13	accumulation	accumulation	NOUN
fsr-3932	36	14	across	across	ADP
fsr-3932	36	15	black	black	ADJ
fsr-3932	36	16	households	household	NOUN
fsr-3932	36	17	is	be	AUX
fsr-3932	36	18	significantly	significantly	ADV
fsr-3932	36	19	below	below	ADP
fsr-3932	36	20	the	the	DET
fsr-3932	36	21	rate	rate	NOUN
fsr-3932	36	22	at	at	ADP
fsr-3932	36	23	which	which	PRON
fsr-3932	36	24	white	white	ADJ
fsr-3932	36	25	households	household	NOUN
fsr-3932	36	26	build	build	VERB
fsr-3932	36	27	wealth	wealth	NOUN
fsr-3932	36	28	(	(	PUNCT
fsr-3932	36	29	blau	blau	PROPN
fsr-3932	36	30	&	&	CCONJ
fsr-3932	36	31	graham	graham	PROPN
fsr-3932	36	32	,	,	PUNCT
fsr-3932	36	33	1990	1990	NUM
fsr-3932	36	34	;	;	PUNCT
fsr-3932	36	35	wolff	wolff	NOUN
fsr-3932	36	36	,	,	PUNCT
fsr-3932	36	37	1994	1994	NUM
fsr-3932	36	38	;	;	PUNCT
fsr-3932	36	39	myers	myers	PROPN
fsr-3932	36	40	&	&	CCONJ
fsr-3932	36	41	chung	chung	PROPN
fsr-3932	36	42	,	,	PUNCT
fsr-3932	36	43	1996	1996	NUM
fsr-3932	36	44	)	)	PUNCT
fsr-3932	36	45	.	.	PUNCT
fsr-3932	37	1	wealth	wealth	NOUN
fsr-3932	37	2	accumulation	accumulation	NOUN
fsr-3932	37	3	rates	rate	NOUN
fsr-3932	37	4	are	be	AUX
fsr-3932	37	5	positively	positively	ADV
fsr-3932	37	6	related	relate	VERB
fsr-3932	37	7	to	to	ADP
fsr-3932	37	8	household	household	NOUN
fsr-3932	37	9	income	income	NOUN
fsr-3932	37	10	levels	level	NOUN
fsr-3932	37	11	(	(	PUNCT
fsr-3932	37	12	zhong	zhong	PROPN
fsr-3932	37	13	&	&	CCONJ
fsr-3932	37	14	xiao	xiao	PROPN
fsr-3932	37	15	,	,	PUNCT
fsr-3932	37	16	1995	1995	NUM
fsr-3932	37	17	;	;	PUNCT
fsr-3932	37	18	gutter	gutter	NOUN
fsr-3932	37	19	et	et	NOUN
fsr-3932	37	20	al	al	PROPN
fsr-3932	37	21	.	.	PROPN
fsr-3932	37	22	,	,	PUNCT
fsr-3932	37	23	1999	1999	NUM
fsr-3932	37	24	)	)	PUNCT
fsr-3932	37	25	,	,	PUNCT
fsr-3932	37	26	positively	positively	ADV
fsr-3932	37	27	related	relate	VERB
fsr-3932	37	28	to	to	ADP
fsr-3932	37	29	educational	educational	ADJ
fsr-3932	37	30	achievement	achievement	NOUN
fsr-3932	37	31	(	(	PUNCT
fsr-3932	37	32	zhong	zhong	PROPN
fsr-3932	37	33	&	&	CCONJ
fsr-3932	37	34	xiao	xiao	PROPN
fsr-3932	37	35	,	,	PUNCT
fsr-3932	37	36	1995	1995	NUM
fsr-3932	37	37	;	;	PUNCT
fsr-3932	37	38	gutter	gutter	NOUN
fsr-3932	37	39	et	et	NOUN
fsr-3932	37	40	al	al	PROPN
fsr-3932	37	41	.	.	PROPN
fsr-3932	37	42	,	,	PUNCT
fsr-3932	37	43	1999	1999	NUM
fsr-3932	37	44	)	)	PUNCT
fsr-3932	37	45	,	,	PUNCT
fsr-3932	37	46	and	and	CCONJ
fsr-3932	37	47	positively	positively	ADV
fsr-3932	37	48	related	relate	VERB
fsr-3932	37	49	to	to	ADP
fsr-3932	37	50	consumer	consumer	NOUN
fsr-3932	37	51	age	age	NOUN
fsr-3932	37	52	(	(	PUNCT
fsr-3932	37	53	blau	blau	PROPN
fsr-3932	37	54	&	&	CCONJ
fsr-3932	37	55	graham	graham	PROPN
fsr-3932	37	56	,	,	PUNCT
fsr-3932	37	57	1990	1990	NUM
fsr-3932	37	58	;	;	PUNCT
fsr-3932	37	59	zhong	zhong	PROPN
fsr-3932	37	60	&	&	CCONJ
fsr-3932	37	61	xiao	xiao	PROPN
fsr-3932	37	62	,	,	PUNCT
fsr-3932	37	63	1995	1995	NUM
fsr-3932	37	64	)	)	PUNCT
fsr-3932	37	65	,	,	PUNCT
fsr-3932	37	66	yet	yet	CCONJ
fsr-3932	37	67	this	this	PRON
fsr-3932	37	68	does	do	AUX
fsr-3932	37	69	not	not	PART
fsr-3932	37	70	lead	lead	VERB
fsr-3932	37	71	to	to	ADP
fsr-3932	37	72	the	the	DET
fsr-3932	37	73	corollary	corollary	ADJ
fsr-3932	37	74	conclusion	conclusion	NOUN
fsr-3932	37	75	that	that	SCONJ
fsr-3932	37	76	the	the	DET
fsr-3932	37	77	wealth	wealth	NOUN
fsr-3932	37	78	gap	gap	NOUN
fsr-3932	37	79	between	between	ADP
fsr-3932	37	80	black	black	ADJ
fsr-3932	37	81	and	and	CCONJ
fsr-3932	37	82	white	white	ADJ
fsr-3932	37	83	households	household	NOUN
fsr-3932	37	84	narrows	narrow	VERB
fsr-3932	37	85	with	with	ADP
fsr-3932	37	86	advancing	advance	VERB
fsr-3932	37	87	income	income	NOUN
fsr-3932	37	88	,	,	PUNCT
fsr-3932	37	89	educational	educational	ADJ
fsr-3932	37	90	attainment	attainment	NOUN
fsr-3932	37	91	,	,	PUNCT
fsr-3932	37	92	and	and	CCONJ
fsr-3932	37	93	age	age	NOUN
fsr-3932	37	94	across	across	ADP
fsr-3932	37	95	different	different	ADJ
fsr-3932	37	96	racial	racial	ADJ
fsr-3932	37	97	groups	group	NOUN
fsr-3932	37	98	.	.	PUNCT
fsr-3932	38	1	in	in	ADP
fsr-3932	38	2	contrast	contrast	NOUN
fsr-3932	38	3	,	,	PUNCT
fsr-3932	38	4	evidence	evidence	NOUN
fsr-3932	38	5	suggests	suggest	VERB
fsr-3932	38	6	that	that	SCONJ
fsr-3932	38	7	the	the	DET
fsr-3932	38	8	wealth	wealth	NOUN
fsr-3932	38	9	gap	gap	NOUN
fsr-3932	38	10	widens	widen	VERB
fsr-3932	38	11	with	with	ADP
fsr-3932	38	12	increasing	increase	VERB
fsr-3932	38	13	consumer	consumer	NOUN
fsr-3932	38	14	age	age	NOUN
fsr-3932	38	15	(	(	PUNCT
fsr-3932	38	16	wolff	wolff	NOUN
fsr-3932	38	17	,	,	PUNCT
fsr-3932	38	18	1994	1994	NUM
fsr-3932	38	19	)	)	PUNCT
fsr-3932	38	20	,	,	PUNCT
fsr-3932	38	21	while	while	SCONJ
fsr-3932	38	22	the	the	DET
fsr-3932	38	23	literature	literature	NOUN
fsr-3932	38	24	is	be	AUX
fsr-3932	38	25	silent	silent	ADJ
fsr-3932	38	26	about	about	ADP
fsr-3932	38	27	how	how	SCONJ
fsr-3932	38	28	the	the	DET
fsr-3932	38	29	wealth	wealth	NOUN
fsr-3932	38	30	gap	gap	NOUN
fsr-3932	38	31	changes	change	VERB
fsr-3932	38	32	with	with	ADP
fsr-3932	38	33	advancing	advance	VERB
fsr-3932	38	34	income	income	NOUN
fsr-3932	38	35	and	and	CCONJ
fsr-3932	38	36	educational	educational	ADJ
fsr-3932	38	37	attainment	attainment	ADJ
fsr-3932	38	38	levels	level	NOUN
fsr-3932	38	39	across	across	ADP
fsr-3932	38	40	different	different	ADJ
fsr-3932	38	41	racial	racial	ADJ
fsr-3932	38	42	groups	group	NOUN
fsr-3932	38	43	.	.	PUNCT
fsr-3932	39	1	concerning	concern	VERB
fsr-3932	39	2	investment	investment	NOUN
fsr-3932	39	3	portfolio	portfolio	NOUN
fsr-3932	39	4	composition	composition	NOUN
fsr-3932	39	5	differences	difference	NOUN
fsr-3932	39	6	across	across	ADP
fsr-3932	39	7	different	different	ADJ
fsr-3932	39	8	racial	racial	ADJ
fsr-3932	39	9	groups	group	NOUN
fsr-3932	39	10	,	,	PUNCT
fsr-3932	39	11	boyce	boyce	PROPN
fsr-3932	39	12	(	(	PUNCT
fsr-3932	39	13	1998	1998	NUM
fsr-3932	39	14	)	)	PUNCT
fsr-3932	39	15	,	,	PUNCT
fsr-3932	39	16	gutter	gutter	NOUN
fsr-3932	39	17	et	et	NOUN
fsr-3932	39	18	al	al	PROPN
fsr-3932	39	19	.	.	PUNCT
fsr-3932	40	1	(	(	PUNCT
fsr-3932	40	2	1999	1999	NUM
fsr-3932	40	3	)	)	PUNCT
fsr-3932	40	4	and	and	CCONJ
fsr-3932	40	5	badu	badu	VERB
fsr-3932	40	6	et	et	PROPN
fsr-3932	40	7	al	al	PROPN
fsr-3932	40	8	.	.	PROPN
fsr-3932	41	1	(	(	PUNCT
fsr-3932	41	2	1999	1999	NUM
fsr-3932	41	3	)	)	PUNCT
fsr-3932	41	4	report	report	NOUN
fsr-3932	41	5	that	that	SCONJ
fsr-3932	41	6	black	black	ADJ
fsr-3932	41	7	investors	investor	NOUN
fsr-3932	41	8	display	display	VERB
fsr-3932	41	9	little	little	ADJ
fsr-3932	41	10	preference	preference	NOUN
fsr-3932	41	11	for	for	ADP
fsr-3932	41	12	risky	risky	ADJ
fsr-3932	41	13	financial	financial	ADJ
fsr-3932	41	14	securities	security	NOUN
fsr-3932	41	15	such	such	ADJ
fsr-3932	41	16	as	as	ADP
fsr-3932	41	17	common	common	ADJ
fsr-3932	41	18	stocks	stock	NOUN
fsr-3932	41	19	,	,	PUNCT
fsr-3932	41	20	while	while	SCONJ
fsr-3932	41	21	white	white	ADJ
fsr-3932	41	22	investors	investor	NOUN
fsr-3932	41	23	select	select	VERB
fsr-3932	41	24	these	these	DET
fsr-3932	41	25	riskier	risky	ADJ
fsr-3932	41	26	financial	financial	ADJ
fsr-3932	41	27	investments	investment	NOUN
fsr-3932	41	28	with	with	ADP
fsr-3932	41	29	greater	great	ADJ
fsr-3932	41	30	frequency	frequency	NOUN
fsr-3932	41	31	.	.	PUNCT
fsr-3932	42	1	this	this	PRON
fsr-3932	42	2	leads	lead	VERB
fsr-3932	42	3	to	to	ADP
fsr-3932	42	4	the	the	DET
fsr-3932	42	5	conclusion	conclusion	NOUN
fsr-3932	42	6	that	that	SCONJ
fsr-3932	42	7	black	black	ADJ
fsr-3932	42	8	consumers	consumer	NOUN
fsr-3932	42	9	should	should	AUX
fsr-3932	42	10	display	display	VERB
fsr-3932	42	11	relatively	relatively	ADV
fsr-3932	42	12	smaller	small	ADJ
fsr-3932	42	13	holdings	holding	NOUN
fsr-3932	42	14	of	of	ADP
fsr-3932	42	15	risky	risky	ADJ
fsr-3932	42	16	financial	financial	ADJ
fsr-3932	42	17	securities	security	NOUN
fsr-3932	42	18	,	,	PUNCT
fsr-3932	42	19	such	such	ADJ
fsr-3932	42	20	as	as	ADP
fsr-3932	42	21	municipal	municipal	ADJ
fsr-3932	42	22	and	and	CCONJ
fsr-3932	42	23	corporate	corporate	ADJ
fsr-3932	42	24	bonds	bond	NOUN
fsr-3932	42	25	,	,	PUNCT
fsr-3932	42	26	common	common	ADJ
fsr-3932	42	27	stocks	stock	NOUN
fsr-3932	42	28	,	,	PUNCT
fsr-3932	42	29	equity	equity	NOUN
fsr-3932	42	30	mutual	mutual	ADJ
fsr-3932	42	31	funds	fund	NOUN
fsr-3932	42	32	,	,	PUNCT
fsr-3932	42	33	and	and	CCONJ
fsr-3932	42	34	brokerage	brokerage	NOUN
fsr-3932	42	35	accounts	account	NOUN
fsr-3932	42	36	than	than	ADP
fsr-3932	42	37	white	white	ADJ
fsr-3932	42	38	consumers	consumer	NOUN
fsr-3932	42	39	;	;	PUNCT
fsr-3932	42	40	and	and	CCONJ
fsr-3932	42	41	relatively	relatively	ADV
fsr-3932	42	42	larger	large	ADJ
fsr-3932	42	43	holdings	holding	NOUN
fsr-3932	42	44	of	of	ADP
fsr-3932	42	45	low	low	ADJ
fsr-3932	42	46	-	-	PUNCT
fsr-3932	42	47	risk	risk	NOUN
fsr-3932	42	48	financial	financial	ADJ
fsr-3932	42	49	securities	security	NOUN
fsr-3932	42	50	such	such	ADJ
fsr-3932	42	51	as	as	ADP
fsr-3932	42	52	bank	bank	NOUN
fsr-3932	42	53	savings	saving	NOUN
fsr-3932	42	54	and	and	CCONJ
fsr-3932	42	55	time	time	NOUN
fsr-3932	42	56	deposits	deposit	NOUN
fsr-3932	42	57	,	,	PUNCT
fsr-3932	42	58	savings	saving	NOUN
fsr-3932	42	59	bonds	bond	NOUN
fsr-3932	42	60	,	,	PUNCT
fsr-3932	42	61	and	and	CCONJ
fsr-3932	42	62	treasury	treasury	NOUN
fsr-3932	42	63	bonds	bond	NOUN
fsr-3932	42	64	in	in	ADP
fsr-3932	42	65	their	their	PRON
fsr-3932	42	66	investment	investment	NOUN
fsr-3932	42	67	portfolios	portfolio	NOUN
fsr-3932	42	68	.	.	PUNCT
fsr-3932	43	1	in	in	ADP
fsr-3932	43	2	addition	addition	NOUN
fsr-3932	43	3	,	,	PUNCT
fsr-3932	43	4	blau	blau	PROPN
fsr-3932	43	5	&	&	CCONJ
fsr-3932	43	6	graham	graham	PROPN
fsr-3932	43	7	(	(	PUNCT
fsr-3932	43	8	1990	1990	NUM
fsr-3932	43	9	)	)	PUNCT
fsr-3932	43	10	and	and	CCONJ
fsr-3932	43	11	brimmer	brimmer	NOUN
fsr-3932	43	12	(	(	PUNCT
fsr-3932	43	13	1991	1991	NUM
fsr-3932	43	14	)	)	PUNCT
fsr-3932	43	15	point	point	VERB
fsr-3932	43	16	out	out	ADP
fsr-3932	43	17	that	that	SCONJ
fsr-3932	43	18	black	black	ADJ
fsr-3932	43	19	consumers	consumer	NOUN
fsr-3932	43	20	display	display	VERB
fsr-3932	43	21	a	a	DET
fsr-3932	43	22	preference	preference	NOUN
fsr-3932	43	23	for	for	ADP
fsr-3932	43	24	holding	hold	VERB
fsr-3932	43	25	tangible	tangible	ADJ
fsr-3932	43	26	,	,	PUNCT
fsr-3932	43	27	nonfinancial	nonfinancial	ADJ
fsr-3932	43	28	assets	asset	NOUN
fsr-3932	43	29	that	that	PRON
fsr-3932	43	30	yield	yield	VERB
fsr-3932	43	31	consumptive	consumptive	ADJ
fsr-3932	43	32	services	service	NOUN
fsr-3932	43	33	,	,	PUNCT
fsr-3932	43	34	while	while	SCONJ
fsr-3932	43	35	white	white	ADJ
fsr-3932	43	36	consumers	consumer	NOUN
fsr-3932	43	37	tend	tend	VERB
fsr-3932	43	38	to	to	PART
fsr-3932	43	39	hold	hold	VERB
fsr-3932	43	40	financial	financial	ADJ
fsr-3932	43	41	assets	asset	NOUN
fsr-3932	43	42	and	and	CCONJ
fsr-3932	43	43	income	income	NOUN
fsr-3932	43	44	-	-	PUNCT
fsr-3932	43	45	producing	produce	VERB
fsr-3932	43	46	nonfinancial	nonfinancial	ADJ
fsr-3932	43	47	assets	asset	NOUN
fsr-3932	43	48	.	.	PUNCT
fsr-3932	44	1	given	give	VERB
fsr-3932	44	2	this	this	DET
fsr-3932	44	3	evidence	evidence	NOUN
fsr-3932	44	4	,	,	PUNCT
fsr-3932	44	5	black	black	ADJ
fsr-3932	44	6	consumers	consumer	NOUN
fsr-3932	44	7	should	should	AUX
fsr-3932	44	8	display	display	VERB
fsr-3932	44	9	relatively	relatively	ADV
fsr-3932	44	10	larger	large	ADJ
fsr-3932	44	11	investments	investment	NOUN
fsr-3932	44	12	in	in	ADP
fsr-3932	44	13	consumption	consumption	NOUN
fsr-3932	44	14	-	-	PUNCT
fsr-3932	44	15	oriented	orient	VERB
fsr-3932	44	16	real	real	ADJ
fsr-3932	44	17	property	property	NOUN
fsr-3932	44	18	,	,	PUNCT
fsr-3932	44	19	such	such	ADJ
fsr-3932	44	20	as	as	ADP
fsr-3932	44	21	a	a	DET
fsr-3932	44	22	personal	personal	ADJ
fsr-3932	44	23	residence	residence	NOUN
fsr-3932	44	24	and	and	CCONJ
fsr-3932	44	25	vacation	vacation	NOUN
fsr-3932	44	26	property	property	NOUN
fsr-3932	44	27	,	,	PUNCT
fsr-3932	44	28	and	and	CCONJ
fsr-3932	44	29	a	a	DET
fsr-3932	44	30	relatively	relatively	ADV
fsr-3932	44	31	smaller	small	ADJ
fsr-3932	44	32	investment	investment	NOUN
fsr-3932	44	33	in	in	ADP
fsr-3932	44	34	income	income	NOUN
fsr-3932	44	35	-	-	PUNCT
fsr-3932	44	36	producing	produce	VERB
fsr-3932	44	37	real	real	ADJ
fsr-3932	44	38	property	property	NOUN
fsr-3932	44	39	,	,	PUNCT
fsr-3932	44	40	such	such	ADJ
fsr-3932	44	41	as	as	ADP
fsr-3932	44	42	rental	rental	ADJ
fsr-3932	44	43	property	property	NOUN
fsr-3932	44	44	and	and	CCONJ
fsr-3932	44	45	commercial	commercial	ADJ
fsr-3932	44	46	real	real	ADJ
fsr-3932	44	47	estate	estate	NOUN
fsr-3932	44	48	,	,	PUNCT
fsr-3932	44	49	in	in	ADP
fsr-3932	44	50	their	their	PRON
fsr-3932	44	51	investment	investment	NOUN
fsr-3932	44	52	portfolios	portfolio	NOUN
fsr-3932	44	53	.	.	PUNCT
fsr-3932	45	1	consistent	consistent	ADJ
fsr-3932	45	2	with	with	ADP
fsr-3932	45	3	their	their	PRON
fsr-3932	45	4	demonstrated	demonstrate	VERB
fsr-3932	45	5	preference	preference	NOUN
fsr-3932	45	6	for	for	ADP
fsr-3932	45	7	lower	low	ADJ
fsr-3932	45	8	risk	risk	NOUN
fsr-3932	45	9	,	,	PUNCT
fsr-3932	45	10	brimmer	brimmer	NOUN
fsr-3932	45	11	(	(	PUNCT
fsr-3932	45	12	1991	1991	NUM
fsr-3932	45	13	)	)	PUNCT
fsr-3932	45	14	and	and	CCONJ
fsr-3932	45	15	badu	badu	VERB
fsr-3932	45	16	et	et	PROPN
fsr-3932	45	17	al	al	PROPN
fsr-3932	45	18	.	.	PROPN
fsr-3932	46	1	(	(	PUNCT
fsr-3932	46	2	1999	1999	NUM
fsr-3932	46	3	)	)	PUNCT
fsr-3932	46	4	also	also	ADV
fsr-3932	46	5	report	report	VERB
fsr-3932	46	6	that	that	SCONJ
fsr-3932	46	7	black	black	ADJ
fsr-3932	46	8	consumers	consumer	NOUN
fsr-3932	46	9	show	show	VERB
fsr-3932	46	10	a	a	DET
fsr-3932	46	11	greater	great	ADJ
fsr-3932	46	12	preference	preference	NOUN
fsr-3932	46	13	for	for	ADP
fsr-3932	46	14	financial	financial	ADJ
fsr-3932	46	15	assets	asset	NOUN
fsr-3932	46	16	with	with	ADP
fsr-3932	46	17	a	a	DET
fsr-3932	46	18	high	high	ADJ
fsr-3932	46	19	degree	degree	NOUN
fsr-3932	46	20	of	of	ADP
fsr-3932	46	21	liquidity	liquidity	NOUN
fsr-3932	46	22	;	;	PUNCT
fsr-3932	46	23	while	while	SCONJ
fsr-3932	46	24	white	white	ADJ
fsr-3932	46	25	investors	investor	NOUN
fsr-3932	46	26	will	will	AUX
fsr-3932	46	27	more	more	ADV
fsr-3932	46	28	willingly	willingly	ADV
fsr-3932	46	29	sacrifice	sacrifice	VERB
fsr-3932	46	30	financial	financial	ADJ
fsr-3932	46	31	asset	asset	NOUN
fsr-3932	46	32	liquidity	liquidity	NOUN
fsr-3932	46	33	in	in	ADP
fsr-3932	46	34	order	order	NOUN
fsr-3932	46	35	to	to	PART
fsr-3932	46	36	earn	earn	VERB
fsr-3932	46	37	higher	high	ADJ
fsr-3932	46	38	risk	risk	NOUN
fsr-3932	46	39	-	-	PUNCT
fsr-3932	46	40	adjusted	adjust	VERB
fsr-3932	46	41	total	total	ADJ
fsr-3932	46	42	investment	investment	NOUN
fsr-3932	46	43	returns	return	NOUN
fsr-3932	46	44	.	.	PUNCT
fsr-3932	47	1	based	base	VERB
fsr-3932	47	2	on	on	ADP
fsr-3932	47	3	this	this	DET
fsr-3932	47	4	345d.a	345d.a	NUM
fsr-3932	47	5	.	.	PUNCT
fsr-3932	48	1	plath	plath	NOUN
fsr-3932	48	2	,	,	PUNCT
fsr-3932	48	3	t.h	t.h	PROPN
fsr-3932	48	4	.	.	PROPN
fsr-3932	48	5	stevenson	stevenson	PROPN
fsr-3932	48	6	/	/	SYM
fsr-3932	48	7	financial	financial	ADJ
fsr-3932	48	8	services	service	NOUN
fsr-3932	48	9	review	review	VERB
fsr-3932	48	10	94	94	NUM
fsr-3932	48	11	(	(	PUNCT
fsr-3932	48	12	2000	2000	NUM
fsr-3932	48	13	)	)	PUNCT
fsr-3932	49	1	343–359	343–359	NUM
fsr-3932	49	2	finding	finding	NOUN
fsr-3932	49	3	,	,	PUNCT
fsr-3932	49	4	african	african	ADJ
fsr-3932	49	5	-	-	PUNCT
fsr-3932	49	6	american	american	ADJ
fsr-3932	49	7	consumers	consumer	NOUN
fsr-3932	49	8	should	should	AUX
fsr-3932	49	9	show	show	VERB
fsr-3932	49	10	relatively	relatively	ADV
fsr-3932	49	11	larger	large	ADJ
fsr-3932	49	12	holdings	holding	NOUN
fsr-3932	49	13	of	of	ADP
fsr-3932	49	14	highly	highly	ADV
fsr-3932	49	15	liquid	liquid	ADJ
fsr-3932	49	16	,	,	PUNCT
fsr-3932	49	17	short	short	ADJ
fsr-3932	49	18	-	-	PUNCT
fsr-3932	49	19	term	term	NOUN
fsr-3932	49	20	instruments	instrument	NOUN
fsr-3932	49	21	such	such	ADJ
fsr-3932	49	22	as	as	ADP
fsr-3932	49	23	bank	bank	NOUN
fsr-3932	49	24	accounts	account	NOUN
fsr-3932	49	25	,	,	PUNCT
fsr-3932	49	26	savings	saving	NOUN
fsr-3932	49	27	bonds	bond	NOUN
fsr-3932	49	28	,	,	PUNCT
fsr-3932	49	29	and	and	CCONJ
fsr-3932	49	30	bond	bond	NOUN
fsr-3932	49	31	-	-	PUNCT
fsr-3932	49	32	based	base	VERB
fsr-3932	49	33	mutual	mutual	ADJ
fsr-3932	49	34	funds	fund	NOUN
fsr-3932	49	35	;	;	PUNCT
fsr-3932	49	36	and	and	CCONJ
fsr-3932	49	37	correspondingly	correspondingly	ADV
fsr-3932	49	38	smaller	small	ADJ
fsr-3932	49	39	holdings	holding	NOUN
fsr-3932	49	40	of	of	ADP
fsr-3932	49	41	less	less	ADJ
fsr-3932	49	42	liquid	liquid	ADJ
fsr-3932	49	43	,	,	PUNCT
fsr-3932	49	44	longer	long	ADJ
fsr-3932	49	45	-	-	PUNCT
fsr-3932	49	46	term	term	NOUN
fsr-3932	49	47	assets	asset	NOUN
fsr-3932	49	48	such	such	ADJ
fsr-3932	49	49	as	as	ADP
fsr-3932	49	50	corporate	corporate	ADJ
fsr-3932	49	51	bonds	bond	NOUN
fsr-3932	49	52	,	,	PUNCT
fsr-3932	49	53	common	common	ADJ
fsr-3932	49	54	stocks	stock	NOUN
fsr-3932	49	55	,	,	PUNCT
fsr-3932	49	56	and	and	CCONJ
fsr-3932	49	57	brokerage	brokerage	NOUN
fsr-3932	49	58	accounts	account	NOUN
fsr-3932	49	59	,	,	PUNCT
fsr-3932	49	60	in	in	ADP
fsr-3932	49	61	their	their	PRON
fsr-3932	49	62	financial	financial	ADJ
fsr-3932	49	63	asset	asset	NOUN
fsr-3932	49	64	portfolios	portfolio	NOUN
fsr-3932	49	65	.	.	PUNCT
fsr-3932	50	1	regardless	regardless	ADV
fsr-3932	50	2	of	of	ADP
fsr-3932	50	3	racial	racial	ADJ
fsr-3932	50	4	background	background	NOUN
fsr-3932	50	5	,	,	PUNCT
fsr-3932	50	6	zhong	zhong	PROPN
fsr-3932	50	7	and	and	CCONJ
fsr-3932	50	8	xiao	xiao	PROPN
fsr-3932	50	9	(	(	PUNCT
fsr-3932	50	10	1995	1995	NUM
fsr-3932	50	11	)	)	PUNCT
fsr-3932	50	12	and	and	CCONJ
fsr-3932	50	13	gutter	gutter	NOUN
fsr-3932	50	14	et	et	PROPN
fsr-3932	50	15	al	al	PROPN
fsr-3932	50	16	.	.	PUNCT
fsr-3932	51	1	(	(	PUNCT
fsr-3932	51	2	1999	1999	NUM
fsr-3932	51	3	)	)	PUNCT
fsr-3932	51	4	report	report	NOUN
fsr-3932	51	5	that	that	SCONJ
fsr-3932	51	6	investment	investment	NOUN
fsr-3932	51	7	risk	risk	NOUN
fsr-3932	51	8	tolerance	tolerance	NOUN
fsr-3932	51	9	increases	increase	VERB
fsr-3932	51	10	with	with	ADP
fsr-3932	51	11	increasing	increase	VERB
fsr-3932	51	12	income	income	NOUN
fsr-3932	51	13	levels	level	NOUN
fsr-3932	51	14	,	,	PUNCT
fsr-3932	51	15	leading	lead	VERB
fsr-3932	51	16	to	to	ADP
fsr-3932	51	17	the	the	DET
fsr-3932	51	18	conclusion	conclusion	NOUN
fsr-3932	51	19	that	that	SCONJ
fsr-3932	51	20	risk	risk	NOUN
fsr-3932	51	21	-	-	PUNCT
fsr-3932	51	22	related	relate	VERB
fsr-3932	51	23	investment	investment	NOUN
fsr-3932	51	24	portfolio	portfolio	NOUN
fsr-3932	51	25	differences	difference	NOUN
fsr-3932	51	26	between	between	ADP
fsr-3932	51	27	african	african	ADJ
fsr-3932	51	28	-	-	PUNCT
fsr-3932	51	29	american	american	ADJ
fsr-3932	51	30	and	and	CCONJ
fsr-3932	51	31	caucasian	caucasian	ADJ
fsr-3932	51	32	consumers	consumer	NOUN
fsr-3932	51	33	should	should	AUX
fsr-3932	51	34	diminish	diminish	VERB
fsr-3932	51	35	with	with	ADP
fsr-3932	51	36	increasing	increase	VERB
fsr-3932	51	37	income	income	NOUN
fsr-3932	51	38	.	.	PUNCT
fsr-3932	52	1	similar	similar	ADJ
fsr-3932	52	2	to	to	ADP
fsr-3932	52	3	this	this	DET
fsr-3932	52	4	finding	finding	NOUN
fsr-3932	52	5	,	,	PUNCT
fsr-3932	52	6	zhong	zhong	PROPN
fsr-3932	52	7	and	and	CCONJ
fsr-3932	52	8	xiao	xiao	PROPN
fsr-3932	52	9	(	(	PUNCT
fsr-3932	52	10	1995	1995	NUM
fsr-3932	52	11	)	)	PUNCT
fsr-3932	52	12	and	and	CCONJ
fsr-3932	52	13	gutter	gutter	NOUN
fsr-3932	52	14	et	et	PROPN
fsr-3932	52	15	al	al	PROPN
fsr-3932	52	16	.	.	PUNCT
fsr-3932	53	1	(	(	PUNCT
fsr-3932	53	2	1999	1999	NUM
fsr-3932	53	3	)	)	PUNCT
fsr-3932	53	4	report	report	NOUN
fsr-3932	53	5	that	that	SCONJ
fsr-3932	53	6	investment	investment	NOUN
fsr-3932	53	7	risk	risk	NOUN
fsr-3932	53	8	tolerance	tolerance	NOUN
fsr-3932	53	9	increases	increase	VERB
fsr-3932	53	10	with	with	ADP
fsr-3932	53	11	heightened	heightened	ADJ
fsr-3932	53	12	levels	level	NOUN
fsr-3932	53	13	of	of	ADP
fsr-3932	53	14	educational	educational	ADJ
fsr-3932	53	15	attainment	attainment	NOUN
fsr-3932	53	16	,	,	PUNCT
fsr-3932	53	17	suggesting	suggest	VERB
fsr-3932	53	18	that	that	SCONJ
fsr-3932	53	19	risk	risk	NOUN
fsr-3932	53	20	-	-	PUNCT
fsr-3932	53	21	related	relate	VERB
fsr-3932	53	22	investment	investment	NOUN
fsr-3932	53	23	portfolio	portfolio	NOUN
fsr-3932	53	24	differences	difference	NOUN
fsr-3932	53	25	between	between	ADP
fsr-3932	53	26	black	black	ADJ
fsr-3932	53	27	and	and	CCONJ
fsr-3932	53	28	white	white	ADJ
fsr-3932	53	29	consumers	consumer	NOUN
fsr-3932	53	30	should	should	AUX
fsr-3932	53	31	also	also	ADV
fsr-3932	53	32	diminish	diminish	VERB
fsr-3932	53	33	with	with	ADP
fsr-3932	53	34	rising	rise	VERB
fsr-3932	53	35	educational	educational	ADJ
fsr-3932	53	36	attainment	attainment	NOUN
fsr-3932	53	37	.	.	PUNCT
fsr-3932	54	1	in	in	ADP
fsr-3932	54	2	contrast	contrast	NOUN
fsr-3932	54	3	to	to	ADP
fsr-3932	54	4	these	these	DET
fsr-3932	54	5	results	result	NOUN
fsr-3932	54	6	,	,	PUNCT
fsr-3932	54	7	the	the	DET
fsr-3932	54	8	literature	literature	NOUN
fsr-3932	54	9	offers	offer	VERB
fsr-3932	54	10	less	less	ADJ
fsr-3932	54	11	consensus	consensus	NOUN
fsr-3932	54	12	on	on	ADP
fsr-3932	54	13	the	the	DET
fsr-3932	54	14	issue	issue	NOUN
fsr-3932	54	15	of	of	ADP
fsr-3932	54	16	how	how	SCONJ
fsr-3932	54	17	investment	investment	NOUN
fsr-3932	54	18	risk	risk	NOUN
fsr-3932	54	19	tolerance	tolerance	NOUN
fsr-3932	54	20	changes	change	NOUN
fsr-3932	54	21	with	with	ADP
fsr-3932	54	22	advancing	advance	VERB
fsr-3932	54	23	investor	investor	NOUN
fsr-3932	54	24	age	age	NOUN
fsr-3932	54	25	.	.	PUNCT
fsr-3932	55	1	morin	morin	PROPN
fsr-3932	55	2	and	and	CCONJ
fsr-3932	55	3	suarez	suarez	PROPN
fsr-3932	55	4	(	(	PUNCT
fsr-3932	55	5	1983	1983	NUM
fsr-3932	55	6	)	)	PUNCT
fsr-3932	55	7	find	find	VERB
fsr-3932	55	8	that	that	SCONJ
fsr-3932	55	9	investment	investment	NOUN
fsr-3932	55	10	risk	risk	NOUN
fsr-3932	55	11	tolerance	tolerance	NOUN
fsr-3932	55	12	decreases	decrease	VERB
fsr-3932	55	13	with	with	ADP
fsr-3932	55	14	increasing	increase	VERB
fsr-3932	55	15	age	age	NOUN
fsr-3932	55	16	,	,	PUNCT
fsr-3932	55	17	while	while	SCONJ
fsr-3932	55	18	zhong	zhong	PROPN
fsr-3932	55	19	and	and	CCONJ
fsr-3932	55	20	ziao	ziao	PROPN
fsr-3932	55	21	(	(	PUNCT
fsr-3932	55	22	1995	1995	NUM
fsr-3932	55	23	)	)	PUNCT
fsr-3932	55	24	report	report	NOUN
fsr-3932	55	25	that	that	SCONJ
fsr-3932	55	26	investment	investment	NOUN
fsr-3932	55	27	risk	risk	NOUN
fsr-3932	55	28	tolerance	tolerance	NOUN
fsr-3932	55	29	increases	increase	VERB
fsr-3932	55	30	with	with	ADP
fsr-3932	55	31	increasing	increase	VERB
fsr-3932	55	32	age	age	NOUN
fsr-3932	55	33	,	,	PUNCT
fsr-3932	55	34	and	and	CCONJ
fsr-3932	55	35	gutter	gutter	NOUN
fsr-3932	55	36	et	et	NOUN
fsr-3932	55	37	al	al	PROPN
fsr-3932	55	38	.	.	PUNCT
fsr-3932	56	1	(	(	PUNCT
fsr-3932	56	2	1999	1999	NUM
fsr-3932	56	3	)	)	PUNCT
fsr-3932	56	4	suggest	suggest	VERB
fsr-3932	56	5	that	that	SCONJ
fsr-3932	56	6	investment	investment	NOUN
fsr-3932	56	7	risk	risk	NOUN
fsr-3932	56	8	tolerance	tolerance	NOUN
fsr-3932	56	9	first	first	ADJ
fsr-3932	56	10	increases	increase	VERB
fsr-3932	56	11	with	with	ADP
fsr-3932	56	12	increasing	increase	VERB
fsr-3932	56	13	age	age	NOUN
fsr-3932	56	14	,	,	PUNCT
fsr-3932	56	15	reaches	reach	VERB
fsr-3932	56	16	a	a	DET
fsr-3932	56	17	maximum	maximum	NOUN
fsr-3932	56	18	in	in	ADP
fsr-3932	56	19	middle	middle	ADJ
fsr-3932	56	20	age	age	NOUN
fsr-3932	56	21	,	,	PUNCT
fsr-3932	56	22	and	and	CCONJ
fsr-3932	56	23	then	then	ADV
fsr-3932	56	24	declines	decline	VERB
fsr-3932	56	25	with	with	ADP
fsr-3932	56	26	further	further	ADJ
fsr-3932	56	27	increases	increase	NOUN
fsr-3932	56	28	in	in	ADP
fsr-3932	56	29	age	age	NOUN
fsr-3932	56	30	.	.	PUNCT
fsr-3932	57	1	in	in	ADP
fsr-3932	57	2	spite	spite	NOUN
fsr-3932	57	3	of	of	ADP
fsr-3932	57	4	the	the	DET
fsr-3932	57	5	lack	lack	NOUN
fsr-3932	57	6	of	of	ADP
fsr-3932	57	7	agreement	agreement	NOUN
fsr-3932	57	8	across	across	ADP
fsr-3932	57	9	these	these	DET
fsr-3932	57	10	studies	study	NOUN
fsr-3932	57	11	,	,	PUNCT
fsr-3932	57	12	virtually	virtually	ADV
fsr-3932	57	13	all	all	PRON
fsr-3932	57	14	past	past	ADJ
fsr-3932	57	15	research	research	NOUN
fsr-3932	57	16	indicates	indicate	VERB
fsr-3932	57	17	that	that	SCONJ
fsr-3932	57	18	there	there	PRON
fsr-3932	57	19	is	be	VERB
fsr-3932	57	20	a	a	DET
fsr-3932	57	21	significant	significant	ADJ
fsr-3932	57	22	relationship	relationship	NOUN
fsr-3932	57	23	between	between	ADP
fsr-3932	57	24	investment	investment	NOUN
fsr-3932	57	25	risk	risk	NOUN
fsr-3932	57	26	tolerance	tolerance	NOUN
fsr-3932	57	27	and	and	CCONJ
fsr-3932	57	28	age	age	NOUN
fsr-3932	57	29	,	,	PUNCT
fsr-3932	57	30	leading	lead	VERB
fsr-3932	57	31	to	to	ADP
fsr-3932	57	32	the	the	DET
fsr-3932	57	33	conclusion	conclusion	NOUN
fsr-3932	57	34	that	that	SCONJ
fsr-3932	57	35	investment	investment	NOUN
fsr-3932	57	36	portfolio	portfolio	NOUN
fsr-3932	57	37	composition	composition	NOUN
fsr-3932	57	38	across	across	ADP
fsr-3932	57	39	both	both	CCONJ
fsr-3932	57	40	african	african	ADJ
fsr-3932	57	41	-	-	PUNCT
fsr-3932	57	42	american	american	ADJ
fsr-3932	57	43	and	and	CCONJ
fsr-3932	57	44	caucasian	caucasian	ADJ
fsr-3932	57	45	households	household	NOUN
fsr-3932	57	46	should	should	AUX
fsr-3932	57	47	differ	differ	VERB
fsr-3932	57	48	when	when	SCONJ
fsr-3932	57	49	age	age	NOUN
fsr-3932	57	50	is	be	AUX
fsr-3932	57	51	introduced	introduce	VERB
fsr-3932	57	52	as	as	ADP
fsr-3932	57	53	a	a	DET
fsr-3932	57	54	control	control	NOUN
fsr-3932	57	55	variable	variable	NOUN
fsr-3932	57	56	in	in	ADP
fsr-3932	57	57	the	the	DET
fsr-3932	57	58	analysis	analysis	NOUN
fsr-3932	57	59	.	.	PUNCT
fsr-3932	58	1	virtually	virtually	ADV
fsr-3932	58	2	all	all	PRON
fsr-3932	58	3	of	of	ADP
fsr-3932	58	4	the	the	DET
fsr-3932	58	5	research	research	NOUN
fsr-3932	58	6	results	result	NOUN
fsr-3932	58	7	discussing	discuss	VERB
fsr-3932	58	8	investment	investment	NOUN
fsr-3932	58	9	portfolio	portfolio	NOUN
fsr-3932	58	10	composition	composition	NOUN
fsr-3932	58	11	differences	difference	NOUN
fsr-3932	58	12	across	across	ADP
fsr-3932	58	13	different	different	ADJ
fsr-3932	58	14	racial	racial	ADJ
fsr-3932	58	15	groups	group	NOUN
fsr-3932	58	16	may	may	AUX
fsr-3932	58	17	be	be	AUX
fsr-3932	58	18	considered	consider	VERB
fsr-3932	58	19	somewhat	somewhat	ADV
fsr-3932	58	20	tentative	tentative	ADJ
fsr-3932	58	21	,	,	PUNCT
fsr-3932	58	22	because	because	SCONJ
fsr-3932	58	23	investment	investment	NOUN
fsr-3932	58	24	portfolio	portfolio	NOUN
fsr-3932	58	25	preference	preference	NOUN
fsr-3932	58	26	differences	difference	NOUN
fsr-3932	58	27	usually	usually	ADV
fsr-3932	58	28	do	do	AUX
fsr-3932	58	29	not	not	PART
fsr-3932	58	30	represent	represent	VERB
fsr-3932	58	31	the	the	DET
fsr-3932	58	32	primary	primary	ADJ
fsr-3932	58	33	focal	focal	ADJ
fsr-3932	58	34	point	point	NOUN
fsr-3932	58	35	of	of	ADP
fsr-3932	58	36	the	the	DET
fsr-3932	58	37	research	research	NOUN
fsr-3932	58	38	efforts	effort	NOUN
fsr-3932	58	39	cited	cite	VERB
fsr-3932	58	40	here	here	ADV
fsr-3932	58	41	,	,	PUNCT
fsr-3932	58	42	and	and	CCONJ
fsr-3932	58	43	these	these	DET
fsr-3932	58	44	studies	study	NOUN
fsr-3932	58	45	offer	offer	VERB
fsr-3932	58	46	their	their	PRON
fsr-3932	58	47	respective	respective	ADJ
fsr-3932	58	48	research	research	NOUN
fsr-3932	58	49	conclusions	conclusion	NOUN
fsr-3932	58	50	on	on	ADP
fsr-3932	58	51	the	the	DET
fsr-3932	58	52	basis	basis	NOUN
fsr-3932	58	53	of	of	ADP
fsr-3932	58	54	very	very	ADV
fsr-3932	58	55	few	few	ADJ
fsr-3932	58	56	categorical	categorical	ADJ
fsr-3932	58	57	investment	investment	NOUN
fsr-3932	58	58	choices	choice	NOUN
fsr-3932	58	59	.	.	PUNCT
fsr-3932	59	1	the	the	DET
fsr-3932	59	2	remainder	remainder	NOUN
fsr-3932	59	3	of	of	ADP
fsr-3932	59	4	this	this	DET
fsr-3932	59	5	study	study	NOUN
fsr-3932	59	6	seeks	seek	VERB
fsr-3932	59	7	to	to	PART
fsr-3932	59	8	build	build	VERB
fsr-3932	59	9	on	on	ADP
fsr-3932	59	10	past	past	ADJ
fsr-3932	59	11	research	research	NOUN
fsr-3932	59	12	conclusions	conclusion	NOUN
fsr-3932	59	13	,	,	PUNCT
fsr-3932	59	14	offering	offer	VERB
fsr-3932	59	15	an	an	DET
fsr-3932	59	16	expanded	expand	VERB
fsr-3932	59	17	array	array	NOUN
fsr-3932	59	18	of	of	ADP
fsr-3932	59	19	investment	investment	NOUN
fsr-3932	59	20	alternatives	alternative	NOUN
fsr-3932	59	21	to	to	PART
fsr-3932	59	22	profile	profile	VERB
fsr-3932	59	23	portfolio	portfolio	NOUN
fsr-3932	59	24	preference	preference	NOUN
fsr-3932	59	25	differences	difference	NOUN
fsr-3932	59	26	across	across	ADP
fsr-3932	59	27	black	black	ADJ
fsr-3932	59	28	and	and	CCONJ
fsr-3932	59	29	white	white	ADJ
fsr-3932	59	30	households	household	NOUN
fsr-3932	59	31	,	,	PUNCT
fsr-3932	59	32	and	and	CCONJ
fsr-3932	59	33	reviewing	review	VERB
fsr-3932	59	34	whether	whether	SCONJ
fsr-3932	59	35	the	the	DET
fsr-3932	59	36	investment	investment	NOUN
fsr-3932	59	37	portfolio	portfolio	NOUN
fsr-3932	59	38	implications	implication	NOUN
fsr-3932	59	39	discussed	discuss	VERB
fsr-3932	59	40	above	above	ADP
fsr-3932	59	41	hold	hold	VERB
fsr-3932	59	42	true	true	ADJ
fsr-3932	59	43	under	under	ADP
fsr-3932	59	44	the	the	DET
fsr-3932	59	45	wider	wide	ADJ
fsr-3932	59	46	array	array	NOUN
fsr-3932	59	47	of	of	ADP
fsr-3932	59	48	investment	investment	NOUN
fsr-3932	59	49	alternatives	alternative	NOUN
fsr-3932	59	50	presented	present	VERB
fsr-3932	59	51	below	below	ADV
fsr-3932	59	52	.	.	PUNCT
fsr-3932	60	1	while	while	SCONJ
fsr-3932	60	2	the	the	DET
fsr-3932	60	3	results	result	NOUN
fsr-3932	60	4	reported	report	VERB
fsr-3932	60	5	below	below	ADV
fsr-3932	60	6	highlight	highlight	VERB
fsr-3932	60	7	statistically	statistically	ADV
fsr-3932	60	8	significant	significant	ADJ
fsr-3932	60	9	pairwise	pairwise	NOUN
fsr-3932	60	10	differences	difference	NOUN
fsr-3932	60	11	between	between	ADP
fsr-3932	60	12	black	black	ADJ
fsr-3932	60	13	and	and	CCONJ
fsr-3932	60	14	white	white	ADJ
fsr-3932	60	15	investment	investment	NOUN
fsr-3932	60	16	portfolios	portfolio	NOUN
fsr-3932	60	17	,	,	PUNCT
fsr-3932	60	18	these	these	DET
fsr-3932	60	19	isolated	isolate	VERB
fsr-3932	60	20	pairwise	pairwise	NOUN
fsr-3932	60	21	differences	difference	NOUN
fsr-3932	60	22	may	may	AUX
fsr-3932	60	23	fail	fail	VERB
fsr-3932	60	24	to	to	PART
fsr-3932	60	25	capture	capture	VERB
fsr-3932	60	26	the	the	DET
fsr-3932	60	27	full	full	ADJ
fsr-3932	60	28	range	range	NOUN
fsr-3932	60	29	of	of	ADP
fsr-3932	60	30	investment	investment	NOUN
fsr-3932	60	31	portfolio	portfolio	NOUN
fsr-3932	60	32	differences	difference	NOUN
fsr-3932	60	33	between	between	ADP
fsr-3932	60	34	black	black	ADJ
fsr-3932	60	35	and	and	CCONJ
fsr-3932	60	36	white	white	ADJ
fsr-3932	60	37	consumers	consumer	NOUN
fsr-3932	60	38	.	.	PUNCT
fsr-3932	61	1	a	a	DET
fsr-3932	61	2	large	large	ADJ
fsr-3932	61	3	body	body	NOUN
fsr-3932	61	4	of	of	ADP
fsr-3932	61	5	prior	prior	ADJ
fsr-3932	61	6	research	research	NOUN
fsr-3932	61	7	has	have	AUX
fsr-3932	61	8	shown	show	VERB
fsr-3932	61	9	that	that	SCONJ
fsr-3932	61	10	the	the	DET
fsr-3932	61	11	rate	rate	NOUN
fsr-3932	61	12	of	of	ADP
fsr-3932	61	13	wealth	wealth	NOUN
fsr-3932	61	14	accumulation	accumulation	NOUN
fsr-3932	61	15	across	across	ADP
fsr-3932	61	16	african	african	ADJ
fsr-3932	61	17	-	-	PUNCT
fsr-3932	61	18	american	american	ADJ
fsr-3932	61	19	households	household	NOUN
fsr-3932	61	20	significantly	significantly	ADV
fsr-3932	61	21	lags	lag	VERB
fsr-3932	61	22	that	that	PRON
fsr-3932	61	23	of	of	ADP
fsr-3932	61	24	white	white	ADJ
fsr-3932	61	25	households	household	NOUN
fsr-3932	61	26	,	,	PUNCT
fsr-3932	61	27	so	so	ADV
fsr-3932	61	28	statistically	statistically	ADV
fsr-3932	61	29	significant	significant	ADJ
fsr-3932	61	30	pairwise	pairwise	NOUN
fsr-3932	61	31	differences	difference	NOUN
fsr-3932	61	32	may	may	AUX
fsr-3932	61	33	not	not	PART
fsr-3932	61	34	capture	capture	VERB
fsr-3932	61	35	many	many	ADJ
fsr-3932	61	36	of	of	ADP
fsr-3932	61	37	the	the	DET
fsr-3932	61	38	substantive	substantive	ADJ
fsr-3932	61	39	differences	difference	NOUN
fsr-3932	61	40	in	in	ADP
fsr-3932	61	41	black	black	ADJ
fsr-3932	61	42	versus	versus	X
fsr-3932	61	43	white	white	PROPN
fsr-3932	61	44	portfolio	portfolio	NOUN
fsr-3932	61	45	holdings	holding	NOUN
fsr-3932	61	46	.	.	PUNCT
fsr-3932	62	1	the	the	DET
fsr-3932	62	2	magnitude	magnitude	NOUN
fsr-3932	62	3	of	of	ADP
fsr-3932	62	4	investment	investment	NOUN
fsr-3932	62	5	balances	balance	NOUN
fsr-3932	62	6	in	in	ADP
fsr-3932	62	7	black	black	ADJ
fsr-3932	62	8	households	household	NOUN
fsr-3932	62	9	almost	almost	ADV
fsr-3932	62	10	always	always	ADV
fsr-3932	62	11	lags	lag	VERB
fsr-3932	62	12	white	white	ADJ
fsr-3932	62	13	investment	investment	NOUN
fsr-3932	62	14	balances	balance	NOUN
fsr-3932	62	15	because	because	SCONJ
fsr-3932	62	16	white	white	ADJ
fsr-3932	62	17	consumers	consumer	NOUN
fsr-3932	62	18	possess	possess	VERB
fsr-3932	62	19	greater	great	ADJ
fsr-3932	62	20	financial	financial	ADJ
fsr-3932	62	21	wealth	wealth	NOUN
fsr-3932	62	22	.	.	PUNCT
fsr-3932	63	1	consequently	consequently	ADV
fsr-3932	63	2	,	,	PUNCT
fsr-3932	63	3	this	this	DET
fsr-3932	63	4	research	research	NOUN
fsr-3932	63	5	effort	effort	NOUN
fsr-3932	63	6	also	also	ADV
fsr-3932	63	7	examines	examine	VERB
fsr-3932	63	8	the	the	DET
fsr-3932	63	9	changing	change	VERB
fsr-3932	63	10	relative	relative	ADJ
fsr-3932	63	11	magnitude	magnitude	NOUN
fsr-3932	63	12	of	of	ADP
fsr-3932	63	13	investment	investment	NOUN
fsr-3932	63	14	portfolio	portfolio	NOUN
fsr-3932	63	15	differences	difference	NOUN
fsr-3932	63	16	across	across	ADP
fsr-3932	63	17	black	black	ADJ
fsr-3932	63	18	and	and	CCONJ
fsr-3932	63	19	white	white	ADJ
fsr-3932	63	20	households	household	NOUN
fsr-3932	63	21	,	,	PUNCT
fsr-3932	63	22	noting	note	VERB
fsr-3932	63	23	whether	whether	SCONJ
fsr-3932	63	24	these	these	DET
fsr-3932	63	25	differences	difference	NOUN
fsr-3932	63	26	are	be	AUX
fsr-3932	63	27	increasing	increase	VERB
fsr-3932	63	28	,	,	PUNCT
fsr-3932	63	29	decreasing	decrease	VERB
fsr-3932	63	30	,	,	PUNCT
fsr-3932	63	31	or	or	CCONJ
fsr-3932	63	32	remaining	remain	VERB
fsr-3932	63	33	the	the	DET
fsr-3932	63	34	same	same	ADJ
fsr-3932	63	35	,	,	PUNCT
fsr-3932	63	36	as	as	ADP
fsr-3932	63	37	variables	variable	NOUN
fsr-3932	63	38	known	know	VERB
fsr-3932	63	39	to	to	PART
fsr-3932	63	40	influence	influence	VERB
fsr-3932	63	41	investment	investment	NOUN
fsr-3932	63	42	portfolio	portfolio	NOUN
fsr-3932	63	43	preferences	preference	NOUN
fsr-3932	63	44	—	—	PUNCT
fsr-3932	63	45	such	such	ADJ
fsr-3932	63	46	as	as	ADP
fsr-3932	63	47	age	age	NOUN
fsr-3932	63	48	,	,	PUNCT
fsr-3932	63	49	income	income	NOUN
fsr-3932	63	50	,	,	PUNCT
fsr-3932	63	51	and	and	CCONJ
fsr-3932	63	52	educational	educational	ADJ
fsr-3932	63	53	attainment	attainment	ADJ
fsr-3932	63	54	level	level	NOUN
fsr-3932	63	55	—	—	PUNCT
fsr-3932	63	56	change	change	NOUN
fsr-3932	63	57	.	.	PUNCT
fsr-3932	64	1	346	346	NUM
fsr-3932	64	2	d.a	d.a	PROPN
fsr-3932	64	3	.	.	PROPN
fsr-3932	64	4	plath	plath	PROPN
fsr-3932	64	5	,	,	PUNCT
fsr-3932	64	6	t.h	t.h	PROPN
fsr-3932	64	7	.	.	PROPN
fsr-3932	64	8	stevenson	stevenson	PROPN
fsr-3932	64	9	/	/	SYM
fsr-3932	64	10	financial	financial	ADJ
fsr-3932	64	11	services	service	NOUN
fsr-3932	64	12	review	review	VERB
fsr-3932	64	13	94	94	NUM
fsr-3932	64	14	(	(	PUNCT
fsr-3932	64	15	2000	2000	NUM
fsr-3932	64	16	)	)	PUNCT
fsr-3932	65	1	343–359	343–359	NUM
fsr-3932	65	2	2	2	NUM
fsr-3932	65	3	.	.	PUNCT
fsr-3932	65	4	data	datum	NOUN
fsr-3932	65	5	and	and	CCONJ
fsr-3932	65	6	methodology	methodology	NOUN
fsr-3932	65	7	this	this	DET
fsr-3932	65	8	study	study	NOUN
fsr-3932	65	9	reports	report	NOUN
fsr-3932	65	10	and	and	CCONJ
fsr-3932	65	11	evaluates	evaluate	VERB
fsr-3932	65	12	data	datum	NOUN
fsr-3932	65	13	gathered	gather	VERB
fsr-3932	65	14	from	from	ADP
fsr-3932	65	15	the	the	DET
fsr-3932	65	16	1998	1998	NUM
fsr-3932	65	17	survey	survey	NOUN
fsr-3932	65	18	of	of	ADP
fsr-3932	65	19	consumer	consumer	NOUN
fsr-3932	65	20	finances	finance	NOUN
fsr-3932	65	21	(	(	PUNCT
fsr-3932	65	22	scf	scf	PROPN
fsr-3932	65	23	)	)	PUNCT
fsr-3932	65	24	prepared	prepare	VERB
fsr-3932	65	25	by	by	ADP
fsr-3932	65	26	the	the	DET
fsr-3932	65	27	board	board	NOUN
fsr-3932	65	28	of	of	ADP
fsr-3932	65	29	governors	governor	NOUN
fsr-3932	65	30	of	of	ADP
fsr-3932	65	31	the	the	DET
fsr-3932	65	32	federal	federal	PROPN
fsr-3932	65	33	reserve	reserve	NOUN
fsr-3932	65	34	system	system	NOUN
fsr-3932	65	35	in	in	ADP
fsr-3932	65	36	cooperation	cooperation	NOUN
fsr-3932	65	37	with	with	ADP
fsr-3932	65	38	the	the	DET
fsr-3932	65	39	statistics	statistic	NOUN
fsr-3932	65	40	and	and	CCONJ
fsr-3932	65	41	income	income	NOUN
fsr-3932	65	42	division	division	NOUN
fsr-3932	65	43	of	of	ADP
fsr-3932	65	44	the	the	DET
fsr-3932	65	45	internal	internal	ADJ
fsr-3932	65	46	revenue	revenue	NOUN
fsr-3932	65	47	service	service	NOUN
fsr-3932	65	48	.	.	PUNCT
fsr-3932	66	1	conducted	conduct	VERB
fsr-3932	66	2	triannually	triannually	ADV
fsr-3932	66	3	since	since	SCONJ
fsr-3932	66	4	1983	1983	NUM
fsr-3932	66	5	,	,	PUNCT
fsr-3932	66	6	the	the	DET
fsr-3932	66	7	scf	scf	PROPN
fsr-3932	66	8	provides	provide	VERB
fsr-3932	66	9	detailed	detailed	ADJ
fsr-3932	66	10	information	information	NOUN
fsr-3932	66	11	on	on	ADP
fsr-3932	66	12	the	the	DET
fsr-3932	66	13	financial	financial	ADJ
fsr-3932	66	14	characteristics	characteristic	NOUN
fsr-3932	66	15	of	of	ADP
fsr-3932	66	16	u.s	u.s	PROPN
fsr-3932	66	17	.	.	PROPN
fsr-3932	66	18	households	household	NOUN
fsr-3932	66	19	,	,	PUNCT
fsr-3932	66	20	including	include	VERB
fsr-3932	66	21	financial	financial	ADJ
fsr-3932	66	22	asset	asset	NOUN
fsr-3932	66	23	and	and	CCONJ
fsr-3932	66	24	liability	liability	NOUN
fsr-3932	66	25	holding	hold	VERB
fsr-3932	66	26	patterns	pattern	NOUN
fsr-3932	66	27	,	,	PUNCT
fsr-3932	66	28	real	real	ADJ
fsr-3932	66	29	estate	estate	NOUN
fsr-3932	66	30	ownership	ownership	NOUN
fsr-3932	66	31	,	,	PUNCT
fsr-3932	66	32	and	and	CCONJ
fsr-3932	66	33	household	household	NOUN
fsr-3932	66	34	net	net	ADJ
fsr-3932	66	35	worth	worth	NOUN
fsr-3932	66	36	.	.	PUNCT
fsr-3932	67	1	also	also	ADV
fsr-3932	67	2	included	include	VERB
fsr-3932	67	3	is	be	AUX
fsr-3932	67	4	a	a	DET
fsr-3932	67	5	variety	variety	NOUN
fsr-3932	67	6	of	of	ADP
fsr-3932	67	7	demographic	demographic	ADJ
fsr-3932	67	8	and	and	CCONJ
fsr-3932	67	9	attitudinal	attitudinal	ADJ
fsr-3932	67	10	characteristics	characteristic	NOUN
fsr-3932	67	11	covering	cover	VERB
fsr-3932	67	12	age	age	NOUN
fsr-3932	67	13	,	,	PUNCT
fsr-3932	67	14	sex	sex	NOUN
fsr-3932	67	15	,	,	PUNCT
fsr-3932	67	16	race	race	NOUN
fsr-3932	67	17	,	,	PUNCT
fsr-3932	67	18	educational	educational	ADJ
fsr-3932	67	19	attainment	attainment	NOUN
fsr-3932	67	20	,	,	PUNCT
fsr-3932	67	21	income	income	NOUN
fsr-3932	67	22	,	,	PUNCT
fsr-3932	67	23	and	and	CCONJ
fsr-3932	67	24	other	other	ADJ
fsr-3932	67	25	classificatory	classificatory	ADJ
fsr-3932	67	26	variables	variable	NOUN
fsr-3932	67	27	useful	useful	ADJ
fsr-3932	67	28	for	for	ADP
fsr-3932	67	29	characterizing	characterize	VERB
fsr-3932	67	30	household	household	NOUN
fsr-3932	67	31	balance	balance	NOUN
fsr-3932	67	32	sheet	sheet	NOUN
fsr-3932	67	33	characteristics	characteristic	NOUN
fsr-3932	67	34	across	across	ADP
fsr-3932	67	35	different	different	ADJ
fsr-3932	67	36	subgroups	subgroup	NOUN
fsr-3932	67	37	within	within	ADP
fsr-3932	67	38	the	the	DET
fsr-3932	67	39	american	american	ADJ
fsr-3932	67	40	population	population	NOUN
fsr-3932	67	41	.	.	PUNCT
fsr-3932	68	1	a	a	DET
fsr-3932	68	2	more	more	ADV
fsr-3932	68	3	complete	complete	ADJ
fsr-3932	68	4	description	description	NOUN
fsr-3932	68	5	of	of	ADP
fsr-3932	68	6	the	the	DET
fsr-3932	68	7	scf	scf	PROPN
fsr-3932	68	8	dataset	dataset	NOUN
fsr-3932	68	9	is	be	AUX
fsr-3932	68	10	given	give	VERB
fsr-3932	68	11	by	by	ADP
fsr-3932	68	12	kennickell	kennickell	PROPN
fsr-3932	68	13	et	et	PROPN
fsr-3932	68	14	al	al	PROPN
fsr-3932	68	15	.	.	PROPN
fsr-3932	69	1	(	(	PUNCT
fsr-3932	69	2	2000	2000	NUM
fsr-3932	69	3	)	)	PUNCT
fsr-3932	69	4	.	.	PUNCT
fsr-3932	70	1	the	the	DET
fsr-3932	70	2	scf	scf	PROPN
fsr-3932	70	3	dataset	dataset	PROPN
fsr-3932	70	4	uses	use	VERB
fsr-3932	70	5	a	a	DET
fsr-3932	70	6	dual	dual	ADJ
fsr-3932	70	7	-	-	PUNCT
fsr-3932	70	8	frame	frame	NOUN
fsr-3932	70	9	sampling	sampling	NOUN
fsr-3932	70	10	plan	plan	NOUN
fsr-3932	70	11	that	that	PRON
fsr-3932	70	12	incorporates	incorporate	VERB
fsr-3932	70	13	both	both	DET
fsr-3932	70	14	an	an	DET
fsr-3932	70	15	area	area	NOUN
fsr-3932	70	16	-	-	PUNCT
fsr-3932	70	17	probability	probability	NOUN
fsr-3932	70	18	sample	sample	NOUN
fsr-3932	70	19	and	and	CCONJ
fsr-3932	70	20	a	a	DET
fsr-3932	70	21	special	special	ADJ
fsr-3932	70	22	list	list	NOUN
fsr-3932	70	23	sample	sample	NOUN
fsr-3932	70	24	derived	derive	VERB
fsr-3932	70	25	from	from	ADP
fsr-3932	70	26	irs	irs	PROPN
fsr-3932	70	27	tax	tax	NOUN
fsr-3932	70	28	records	record	NOUN
fsr-3932	70	29	.	.	PUNCT
fsr-3932	71	1	the	the	DET
fsr-3932	71	2	area	area	NOUN
fsr-3932	71	3	-	-	PUNCT
fsr-3932	71	4	probability	probability	NOUN
fsr-3932	71	5	sample	sample	NOUN
fsr-3932	71	6	provides	provide	VERB
fsr-3932	71	7	information	information	NOUN
fsr-3932	71	8	on	on	ADP
fsr-3932	71	9	financial	financial	ADJ
fsr-3932	71	10	variables	variable	NOUN
fsr-3932	71	11	that	that	PRON
fsr-3932	71	12	are	be	AUX
fsr-3932	71	13	widely	widely	ADV
fsr-3932	71	14	distributed	distribute	VERB
fsr-3932	71	15	in	in	ADP
fsr-3932	71	16	the	the	DET
fsr-3932	71	17	general	general	ADJ
fsr-3932	71	18	u.s	u.s	PROPN
fsr-3932	71	19	.	.	PROPN
fsr-3932	71	20	population	population	NOUN
fsr-3932	71	21	,	,	PUNCT
fsr-3932	71	22	such	such	ADJ
fsr-3932	71	23	as	as	ADP
fsr-3932	71	24	automobile	automobile	NOUN
fsr-3932	71	25	ownership	ownership	NOUN
fsr-3932	71	26	and	and	CCONJ
fsr-3932	71	27	home	home	NOUN
fsr-3932	71	28	mortgages	mortgage	NOUN
fsr-3932	71	29	.	.	PUNCT
fsr-3932	72	1	the	the	DET
fsr-3932	72	2	list	list	NOUN
fsr-3932	72	3	sample	sample	NOUN
fsr-3932	72	4	represents	represent	VERB
fsr-3932	72	5	an	an	DET
fsr-3932	72	6	oversample	oversample	NOUN
fsr-3932	72	7	of	of	ADP
fsr-3932	72	8	relatively	relatively	ADV
fsr-3932	72	9	wealthy	wealthy	ADJ
fsr-3932	72	10	families	family	NOUN
fsr-3932	72	11	designed	design	VERB
fsr-3932	72	12	to	to	PART
fsr-3932	72	13	capture	capture	VERB
fsr-3932	72	14	financial	financial	ADJ
fsr-3932	72	15	data	datum	NOUN
fsr-3932	72	16	items	item	NOUN
fsr-3932	72	17	that	that	PRON
fsr-3932	72	18	are	be	AUX
fsr-3932	72	19	highly	highly	ADV
fsr-3932	72	20	concentrated	concentrated	ADJ
fsr-3932	72	21	within	within	ADP
fsr-3932	72	22	a	a	DET
fsr-3932	72	23	relatively	relatively	ADV
fsr-3932	72	24	small	small	ADJ
fsr-3932	72	25	proportion	proportion	NOUN
fsr-3932	72	26	of	of	ADP
fsr-3932	72	27	the	the	DET
fsr-3932	72	28	population	population	NOUN
fsr-3932	72	29	,	,	PUNCT
fsr-3932	72	30	such	such	ADJ
fsr-3932	72	31	as	as	ADP
fsr-3932	72	32	commercial	commercial	ADJ
fsr-3932	72	33	real	real	ADJ
fsr-3932	72	34	estate	estate	NOUN
fsr-3932	72	35	holdings	holding	NOUN
fsr-3932	72	36	and	and	CCONJ
fsr-3932	72	37	household	household	NOUN
fsr-3932	72	38	trust	trust	PROPN
fsr-3932	72	39	fund	fund	NOUN
fsr-3932	72	40	ownership	ownership	NOUN
fsr-3932	72	41	.	.	PUNCT
fsr-3932	73	1	this	this	DET
fsr-3932	73	2	unique	unique	ADJ
fsr-3932	73	3	sampling	sampling	NOUN
fsr-3932	73	4	methodology	methodology	NOUN
fsr-3932	73	5	results	result	NOUN
fsr-3932	73	6	in	in	ADP
fsr-3932	73	7	the	the	DET
fsr-3932	73	8	oversampling	oversampling	NOUN
fsr-3932	73	9	of	of	ADP
fsr-3932	73	10	households	household	NOUN
fsr-3932	73	11	more	more	ADV
fsr-3932	73	12	likely	likely	ADJ
fsr-3932	73	13	to	to	PART
fsr-3932	73	14	be	be	AUX
fsr-3932	73	15	wealthy	wealthy	ADJ
fsr-3932	73	16	,	,	PUNCT
fsr-3932	73	17	which	which	PRON
fsr-3932	73	18	requires	require	VERB
fsr-3932	73	19	that	that	SCONJ
fsr-3932	73	20	descriptive	descriptive	ADJ
fsr-3932	73	21	statistical	statistical	ADJ
fsr-3932	73	22	measures	measure	NOUN
fsr-3932	73	23	derived	derive	VERB
fsr-3932	73	24	from	from	ADP
fsr-3932	73	25	the	the	DET
fsr-3932	73	26	scf	scf	PROPN
fsr-3932	73	27	sample	sample	NOUN
fsr-3932	73	28	be	be	AUX
fsr-3932	73	29	weighted	weight	VERB
fsr-3932	73	30	to	to	PART
fsr-3932	73	31	generate	generate	VERB
fsr-3932	73	32	sampling	sampling	NOUN
fsr-3932	73	33	estimates	estimate	NOUN
fsr-3932	73	34	that	that	PRON
fsr-3932	73	35	are	be	AUX
fsr-3932	73	36	projectible	projectible	ADJ
fsr-3932	73	37	to	to	ADP
fsr-3932	73	38	the	the	DET
fsr-3932	73	39	entire	entire	ADJ
fsr-3932	73	40	u.s	u.s	PROPN
fsr-3932	73	41	.	.	PROPN
fsr-3932	73	42	population	population	NOUN
fsr-3932	73	43	(	(	PUNCT
fsr-3932	73	44	board	board	NOUN
fsr-3932	73	45	of	of	ADP
fsr-3932	73	46	governors	governor	NOUN
fsr-3932	73	47	of	of	ADP
fsr-3932	73	48	the	the	DET
fsr-3932	73	49	federal	federal	PROPN
fsr-3932	73	50	reserve	reserve	PROPN
fsr-3932	73	51	system	system	NOUN
fsr-3932	73	52	,	,	PUNCT
fsr-3932	73	53	2000	2000	NUM
fsr-3932	73	54	,	,	PUNCT
fsr-3932	73	55	p.	p.	NOUN
fsr-3932	73	56	27	27	NUM
fsr-3932	73	57	)	)	PUNCT
fsr-3932	73	58	.	.	PUNCT
fsr-3932	74	1	the	the	DET
fsr-3932	74	2	descriptive	descriptive	ADJ
fsr-3932	74	3	statistics	statistic	NOUN
fsr-3932	74	4	reported	report	VERB
fsr-3932	74	5	below	below	ADV
fsr-3932	74	6	are	be	AUX
fsr-3932	74	7	derived	derive	VERB
fsr-3932	74	8	from	from	ADP
fsr-3932	74	9	the	the	DET
fsr-3932	74	10	full	full	ADJ
fsr-3932	74	11	,	,	PUNCT
fsr-3932	74	12	weighted	weight	VERB
fsr-3932	74	13	version	version	NOUN
fsr-3932	74	14	of	of	ADP
fsr-3932	74	15	the	the	DET
fsr-3932	74	16	scf	scf	PROPN
fsr-3932	74	17	sample	sample	NOUN
fsr-3932	74	18	.	.	PUNCT
fsr-3932	75	1	the	the	DET
fsr-3932	75	2	scf	scf	PROPN
fsr-3932	75	3	handles	handle	VERB
fsr-3932	75	4	missing	miss	VERB
fsr-3932	75	5	data	datum	NOUN
fsr-3932	75	6	attributable	attributable	ADJ
fsr-3932	75	7	to	to	ADP
fsr-3932	75	8	item	item	NOUN
fsr-3932	75	9	nonresponse	nonresponse	NOUN
fsr-3932	75	10	using	use	VERB
fsr-3932	75	11	a	a	DET
fsr-3932	75	12	multiple	multiple	ADJ
fsr-3932	75	13	imputation	imputation	NOUN
fsr-3932	75	14	procedure	procedure	NOUN
fsr-3932	75	15	known	know	VERB
fsr-3932	75	16	as	as	ADP
fsr-3932	75	17	repeated	repeat	VERB
fsr-3932	75	18	imputation	imputation	NOUN
fsr-3932	75	19	inference	inference	NOUN
fsr-3932	75	20	(	(	PUNCT
fsr-3932	75	21	rii	rii	NOUN
fsr-3932	75	22	)	)	PUNCT
fsr-3932	75	23	.	.	PUNCT
fsr-3932	76	1	as	as	SCONJ
fsr-3932	76	2	montalto	montalto	NOUN
fsr-3932	76	3	and	and	CCONJ
fsr-3932	76	4	sung	sung	PROPN
fsr-3932	76	5	(	(	PUNCT
fsr-3932	76	6	1996	1996	NUM
fsr-3932	76	7	)	)	PUNCT
fsr-3932	76	8	discuss	discuss	VERB
fsr-3932	76	9	,	,	PUNCT
fsr-3932	76	10	this	this	DET
fsr-3932	76	11	procedure	procedure	NOUN
fsr-3932	76	12	uses	use	VERB
fsr-3932	76	13	stochastic	stochastic	ADJ
fsr-3932	76	14	multivariate	multivariate	NOUN
fsr-3932	76	15	methods	method	NOUN
fsr-3932	76	16	to	to	PART
fsr-3932	76	17	replace	replace	VERB
fsr-3932	76	18	each	each	DET
fsr-3932	76	19	missing	miss	VERB
fsr-3932	76	20	value	value	NOUN
fsr-3932	76	21	with	with	ADP
fsr-3932	76	22	five	five	NUM
fsr-3932	76	23	different	different	ADJ
fsr-3932	76	24	imputed	impute	VERB
fsr-3932	76	25	values	value	NOUN
fsr-3932	76	26	to	to	PART
fsr-3932	76	27	approximate	approximate	VERB
fsr-3932	76	28	the	the	DET
fsr-3932	76	29	sampling	sample	VERB
fsr-3932	76	30	distribution	distribution	NOUN
fsr-3932	76	31	of	of	ADP
fsr-3932	76	32	missing	miss	VERB
fsr-3932	76	33	values	value	NOUN
fsr-3932	76	34	,	,	PUNCT
fsr-3932	76	35	so	so	SCONJ
fsr-3932	76	36	that	that	SCONJ
fsr-3932	76	37	imputed	impute	VERB
fsr-3932	76	38	values	value	NOUN
fsr-3932	76	39	can	can	AUX
fsr-3932	76	40	be	be	AUX
fsr-3932	76	41	averaged	average	VERB
fsr-3932	76	42	to	to	PART
fsr-3932	76	43	produce	produce	VERB
fsr-3932	76	44	a	a	DET
fsr-3932	76	45	more	more	ADV
fsr-3932	76	46	accurate	accurate	ADJ
fsr-3932	76	47	estimate	estimate	NOUN
fsr-3932	76	48	of	of	ADP
fsr-3932	76	49	what	what	PRON
fsr-3932	76	50	a	a	DET
fsr-3932	76	51	given	give	VERB
fsr-3932	76	52	missing	miss	VERB
fsr-3932	76	53	value	value	NOUN
fsr-3932	76	54	would	would	AUX
fsr-3932	76	55	have	have	AUX
fsr-3932	76	56	been	be	AUX
fsr-3932	76	57	in	in	ADP
fsr-3932	76	58	the	the	DET
fsr-3932	76	59	absence	absence	NOUN
fsr-3932	76	60	of	of	ADP
fsr-3932	76	61	item	item	NOUN
fsr-3932	76	62	nonresponse	nonresponse	NOUN
fsr-3932	76	63	.	.	PUNCT
fsr-3932	77	1	the	the	DET
fsr-3932	77	2	statistics	statistic	NOUN
fsr-3932	77	3	reported	report	VERB
fsr-3932	77	4	below	below	ADP
fsr-3932	77	5	rely	rely	NOUN
fsr-3932	77	6	upon	upon	SCONJ
fsr-3932	77	7	the	the	DET
fsr-3932	77	8	full	full	ADJ
fsr-3932	77	9	public	public	ADJ
fsr-3932	77	10	version	version	NOUN
fsr-3932	77	11	of	of	ADP
fsr-3932	77	12	the	the	DET
fsr-3932	77	13	1998	1998	NUM
fsr-3932	77	14	scf	scf	PROPN
fsr-3932	77	15	dataset	dataset	NOUN
fsr-3932	77	16	,	,	PUNCT
fsr-3932	77	17	surveying	survey	VERB
fsr-3932	77	18	4,305	4,305	NUM
fsr-3932	77	19	households	household	NOUN
fsr-3932	77	20	to	to	PART
fsr-3932	77	21	produce	produce	VERB
fsr-3932	77	22	a	a	DET
fsr-3932	77	23	total	total	NOUN
fsr-3932	77	24	of	of	ADP
fsr-3932	77	25	21,525	21,525	NUM
fsr-3932	77	26	potential	potential	ADJ
fsr-3932	77	27	observations	observation	NOUN
fsr-3932	77	28	(	(	PUNCT
fsr-3932	77	29	board	board	NOUN
fsr-3932	77	30	of	of	ADP
fsr-3932	77	31	governors	governor	NOUN
fsr-3932	77	32	of	of	ADP
fsr-3932	77	33	the	the	DET
fsr-3932	77	34	federal	federal	PROPN
fsr-3932	77	35	reserve	reserve	PROPN
fsr-3932	77	36	system	system	NOUN
fsr-3932	77	37	,	,	PUNCT
fsr-3932	77	38	2000	2000	NUM
fsr-3932	77	39	,	,	PUNCT
fsr-3932	77	40	p.	p.	NOUN
fsr-3932	77	41	27	27	NUM
fsr-3932	77	42	)	)	PUNCT
fsr-3932	77	43	.	.	PUNCT
fsr-3932	78	1	using	use	VERB
fsr-3932	78	2	all	all	DET
fsr-3932	78	3	five	five	NUM
fsr-3932	78	4	implicates	implicate	NOUN
fsr-3932	78	5	in	in	ADP
fsr-3932	78	6	developing	develop	VERB
fsr-3932	78	7	descriptive	descriptive	ADJ
fsr-3932	78	8	statistical	statistical	ADJ
fsr-3932	78	9	measures	measure	NOUN
fsr-3932	78	10	introduces	introduce	VERB
fsr-3932	78	11	imputation	imputation	NOUN
fsr-3932	78	12	error	error	NOUN
fsr-3932	78	13	into	into	ADP
fsr-3932	78	14	the	the	DET
fsr-3932	78	15	research	research	NOUN
fsr-3932	78	16	design	design	NOUN
fsr-3932	78	17	,	,	PUNCT
fsr-3932	78	18	however	however	ADV
fsr-3932	78	19	,	,	PUNCT
fsr-3932	78	20	and	and	CCONJ
fsr-3932	78	21	this	this	DET
fsr-3932	78	22	additional	additional	ADJ
fsr-3932	78	23	source	source	NOUN
fsr-3932	78	24	of	of	ADP
fsr-3932	78	25	variability	variability	NOUN
fsr-3932	78	26	requires	require	VERB
fsr-3932	78	27	the	the	DET
fsr-3932	78	28	use	use	NOUN
fsr-3932	78	29	of	of	ADP
fsr-3932	78	30	a	a	DET
fsr-3932	78	31	specialized	specialized	ADJ
fsr-3932	78	32	adjustment	adjustment	NOUN
fsr-3932	78	33	procedure	procedure	NOUN
fsr-3932	78	34	to	to	PART
fsr-3932	78	35	calculate	calculate	VERB
fsr-3932	78	36	accurate	accurate	ADJ
fsr-3932	78	37	standard	standard	ADJ
fsr-3932	78	38	error	error	NOUN
fsr-3932	78	39	terms	term	NOUN
fsr-3932	78	40	for	for	ADP
fsr-3932	78	41	each	each	PRON
fsr-3932	78	42	of	of	ADP
fsr-3932	78	43	the	the	DET
fsr-3932	78	44	statistics	statistic	NOUN
fsr-3932	78	45	reported	report	VERB
fsr-3932	78	46	below	below	ADV
fsr-3932	78	47	.	.	PUNCT
fsr-3932	79	1	the	the	DET
fsr-3932	79	2	adjustment	adjustment	NOUN
fsr-3932	79	3	procedure	procedure	NOUN
fsr-3932	79	4	used	use	VERB
fsr-3932	79	5	below	below	ADV
fsr-3932	79	6	permits	permit	VERB
fsr-3932	79	7	the	the	DET
fsr-3932	79	8	development	development	NOUN
fsr-3932	79	9	of	of	ADP
fsr-3932	79	10	standard	standard	ADJ
fsr-3932	79	11	error	error	NOUN
fsr-3932	79	12	terms	term	NOUN
fsr-3932	79	13	that	that	PRON
fsr-3932	79	14	incorporate	incorporate	VERB
fsr-3932	79	15	both	both	PRON
fsr-3932	79	16	sampling	sample	VERB
fsr-3932	79	17	error	error	NOUN
fsr-3932	79	18	and	and	CCONJ
fsr-3932	79	19	imputation	imputation	NOUN
fsr-3932	79	20	error	error	NOUN
fsr-3932	79	21	for	for	ADP
fsr-3932	79	22	mean	mean	NOUN
fsr-3932	79	23	and	and	CCONJ
fsr-3932	79	24	proportion	proportion	NOUN
fsr-3932	79	25	statistics	statistic	NOUN
fsr-3932	79	26	,	,	PUNCT
fsr-3932	79	27	following	follow	VERB
fsr-3932	79	28	the	the	DET
fsr-3932	79	29	recommend	recommend	ADJ
fsr-3932	79	30	course	course	NOUN
fsr-3932	79	31	of	of	ADP
fsr-3932	79	32	action	action	NOUN
fsr-3932	79	33	reported	report	VERB
fsr-3932	79	34	in	in	ADP
fsr-3932	79	35	the	the	DET
fsr-3932	79	36	1998	1998	NUM
fsr-3932	79	37	codebook	codebook	NOUN
fsr-3932	79	38	for	for	ADP
fsr-3932	79	39	the	the	DET
fsr-3932	79	40	survey	survey	NOUN
fsr-3932	79	41	of	of	ADP
fsr-3932	79	42	consumer	consumer	NOUN
fsr-3932	79	43	finances	finance	NOUN
fsr-3932	79	44	(	(	PUNCT
fsr-3932	79	45	board	board	NOUN
fsr-3932	79	46	of	of	ADP
fsr-3932	79	47	governors	governor	NOUN
fsr-3932	79	48	of	of	ADP
fsr-3932	79	49	the	the	DET
fsr-3932	79	50	federal	federal	PROPN
fsr-3932	79	51	reserve	reserve	PROPN
fsr-3932	79	52	system	system	NOUN
fsr-3932	79	53	,	,	PUNCT
fsr-3932	79	54	2000	2000	NUM
fsr-3932	79	55	,	,	PUNCT
fsr-3932	79	56	pp	pp	ADJ
fsr-3932	79	57	.	.	PUNCT
fsr-3932	79	58	28–32	28–32	NUM
fsr-3932	79	59	)	)	PUNCT
fsr-3932	79	60	.	.	PUNCT
fsr-3932	80	1	in	in	ADP
fsr-3932	80	2	all	all	DET
fsr-3932	80	3	cases	case	NOUN
fsr-3932	80	4	,	,	PUNCT
fsr-3932	80	5	the	the	DET
fsr-3932	80	6	statistically	statistically	ADV
fsr-3932	80	7	significant	significant	ADJ
fsr-3932	80	8	mean	mean	ADJ
fsr-3932	80	9	differences	difference	NOUN
fsr-3932	80	10	and	and	CCONJ
fsr-3932	80	11	proportion	proportion	NOUN
fsr-3932	80	12	differences	difference	NOUN
fsr-3932	80	13	reported	report	VERB
fsr-3932	80	14	below	below	ADV
fsr-3932	80	15	have	have	AUX
fsr-3932	80	16	been	be	AUX
fsr-3932	80	17	obtained	obtain	VERB
fsr-3932	80	18	using	use	VERB
fsr-3932	80	19	a	a	DET
fsr-3932	80	20	test	test	NOUN
fsr-3932	80	21	statistic	statistic	NOUN
fsr-3932	80	22	suitable	suitable	ADJ
fsr-3932	80	23	when	when	SCONJ
fsr-3932	80	24	target	target	NOUN
fsr-3932	80	25	population	population	NOUN
fsr-3932	80	26	variances	variance	NOUN
fsr-3932	80	27	are	be	AUX
fsr-3932	80	28	assumed	assume	VERB
fsr-3932	80	29	to	to	PART
fsr-3932	80	30	be	be	AUX
fsr-3932	80	31	both	both	CCONJ
fsr-3932	80	32	unequal	unequal	ADJ
fsr-3932	80	33	and	and	CCONJ
fsr-3932	80	34	unknown	unknown	ADJ
fsr-3932	80	35	.	.	PUNCT
fsr-3932	81	1	347d.a	347d.a	X
fsr-3932	81	2	.	.	PUNCT
fsr-3932	82	1	plath	plath	NOUN
fsr-3932	82	2	,	,	PUNCT
fsr-3932	82	3	t.h	t.h	PROPN
fsr-3932	82	4	.	.	PROPN
fsr-3932	82	5	stevenson	stevenson	PROPN
fsr-3932	82	6	/	/	SYM
fsr-3932	82	7	financial	financial	ADJ
fsr-3932	82	8	services	service	NOUN
fsr-3932	82	9	review	review	VERB
fsr-3932	82	10	94	94	NUM
fsr-3932	82	11	(	(	PUNCT
fsr-3932	82	12	2000	2000	NUM
fsr-3932	82	13	)	)	PUNCT
fsr-3932	82	14	343–359	343–359	NUM
fsr-3932	82	15	3	3	NUM
fsr-3932	82	16	.	.	PUNCT
fsr-3932	83	1	results	result	NOUN
fsr-3932	83	2	:	:	PUNCT
fsr-3932	83	3	asset	asset	NOUN
fsr-3932	83	4	holding	hold	VERB
fsr-3932	83	5	patterns	pattern	NOUN
fsr-3932	83	6	across	across	ADP
fsr-3932	83	7	black	black	ADJ
fsr-3932	83	8	and	and	CCONJ
fsr-3932	83	9	white	white	ADJ
fsr-3932	83	10	consumers	consumer	NOUN
fsr-3932	83	11	the	the	DET
fsr-3932	83	12	portfolio	portfolio	NOUN
fsr-3932	83	13	of	of	ADP
fsr-3932	83	14	wealth	wealth	NOUN
fsr-3932	83	15	-	-	PUNCT
fsr-3932	83	16	accumulation	accumulation	NOUN
fsr-3932	83	17	assets	asset	NOUN
fsr-3932	83	18	,	,	PUNCT
fsr-3932	83	19	including	include	VERB
fsr-3932	83	20	both	both	CCONJ
fsr-3932	83	21	financial	financial	ADJ
fsr-3932	83	22	and	and	CCONJ
fsr-3932	83	23	real	real	ADJ
fsr-3932	83	24	property	property	NOUN
fsr-3932	83	25	assets	asset	NOUN
fsr-3932	83	26	,	,	PUNCT
fsr-3932	83	27	varies	vary	VERB
fsr-3932	83	28	markedly	markedly	ADV
fsr-3932	83	29	between	between	ADP
fsr-3932	83	30	black	black	ADJ
fsr-3932	83	31	and	and	CCONJ
fsr-3932	83	32	white	white	ADJ
fsr-3932	83	33	households	household	NOUN
fsr-3932	83	34	.	.	PUNCT
fsr-3932	84	1	tables	table	NOUN
fsr-3932	84	2	1	1	NUM
fsr-3932	84	3	through	through	ADP
fsr-3932	84	4	3	3	NUM
fsr-3932	84	5	present	present	ADJ
fsr-3932	84	6	proportionate	proportionate	ADJ
fsr-3932	84	7	holdings	holding	NOUN
fsr-3932	84	8	of	of	ADP
fsr-3932	84	9	various	various	ADJ
fsr-3932	84	10	financial	financial	ADJ
fsr-3932	84	11	asset	asset	NOUN
fsr-3932	84	12	categories	category	NOUN
fsr-3932	84	13	,	,	PUNCT
fsr-3932	84	14	as	as	ADV
fsr-3932	84	15	well	well	ADV
fsr-3932	84	16	as	as	ADP
fsr-3932	84	17	household	household	NOUN
fsr-3932	84	18	real	real	ADJ
fsr-3932	84	19	estate	estate	NOUN
fsr-3932	84	20	holdings	holding	NOUN
fsr-3932	84	21	covering	cover	VERB
fsr-3932	84	22	respondents	respondent	NOUN
fsr-3932	84	23	’	'	PUNCT
fsr-3932	84	24	primary	primary	ADJ
fsr-3932	84	25	residence	residence	NOUN
fsr-3932	84	26	,	,	PUNCT
fsr-3932	84	27	other	other	ADJ
fsr-3932	84	28	vacation	vacation	NOUN
fsr-3932	84	29	property	property	NOUN
fsr-3932	84	30	owned	own	VERB
fsr-3932	84	31	,	,	PUNCT
fsr-3932	84	32	and	and	CCONJ
fsr-3932	84	33	other	other	ADJ
fsr-3932	84	34	nonvacation	nonvacation	NOUN
fsr-3932	84	35	property	property	NOUN
fsr-3932	84	36	.	.	PUNCT
fsr-3932	85	1	in	in	ADP
fsr-3932	85	2	addition	addition	NOUN
fsr-3932	85	3	,	,	PUNCT
fsr-3932	85	4	these	these	DET
fsr-3932	85	5	tables	table	NOUN
fsr-3932	85	6	provide	provide	VERB
fsr-3932	85	7	mean	mean	NOUN
fsr-3932	85	8	dollar	dollar	NOUN
fsr-3932	85	9	values	value	NOUN
fsr-3932	85	10	of	of	ADP
fsr-3932	85	11	financial	financial	ADJ
fsr-3932	85	12	accounts	account	NOUN
fsr-3932	85	13	and	and	CCONJ
fsr-3932	85	14	real	real	ADJ
fsr-3932	85	15	property	property	NOUN
fsr-3932	85	16	holdings	holding	NOUN
fsr-3932	85	17	across	across	ADP
fsr-3932	85	18	the	the	DET
fsr-3932	85	19	full	full	ADJ
fsr-3932	85	20	scf	scf	PROPN
fsr-3932	85	21	dataset	dataset	NOUN
fsr-3932	85	22	.	.	PUNCT
fsr-3932	86	1	in	in	ADP
fsr-3932	86	2	all	all	DET
fsr-3932	86	3	cases	case	NOUN
fsr-3932	86	4	,	,	PUNCT
fsr-3932	86	5	the	the	DET
fsr-3932	86	6	results	result	NOUN
fsr-3932	86	7	report	report	VERB
fsr-3932	86	8	mean	mean	VERB
fsr-3932	86	9	financial	financial	ADJ
fsr-3932	86	10	values	value	NOUN
fsr-3932	86	11	rather	rather	ADV
fsr-3932	86	12	than	than	ADP
fsr-3932	86	13	the	the	DET
fsr-3932	86	14	median	median	ADJ
fsr-3932	86	15	percentile	percentile	ADJ
fsr-3932	86	16	values	value	NOUN
fsr-3932	86	17	,	,	PUNCT
fsr-3932	86	18	because	because	SCONJ
fsr-3932	86	19	the	the	DET
fsr-3932	86	20	public	public	ADJ
fsr-3932	86	21	version	version	NOUN
fsr-3932	86	22	of	of	ADP
fsr-3932	86	23	the	the	DET
fsr-3932	86	24	scf	scf	PROPN
fsr-3932	86	25	dataset	dataset	NOUN
fsr-3932	86	26	is	be	AUX
fsr-3932	86	27	adjusted	adjust	VERB
fsr-3932	86	28	for	for	ADP
fsr-3932	86	29	outliers	outlier	NOUN
fsr-3932	86	30	and	and	CCONJ
fsr-3932	86	31	other	other	ADJ
fsr-3932	86	32	plausible	plausible	ADJ
fsr-3932	86	33	errors	error	NOUN
fsr-3932	86	34	in	in	ADP
fsr-3932	86	35	data	datum	NOUN
fsr-3932	86	36	reporting	reporting	NOUN
fsr-3932	86	37	and	and	CCONJ
fsr-3932	86	38	coding	code	VERB
fsr-3932	86	39	before	before	SCONJ
fsr-3932	86	40	it	it	PRON
fsr-3932	86	41	is	be	AUX
fsr-3932	86	42	released	release	VERB
fsr-3932	86	43	to	to	ADP
fsr-3932	86	44	the	the	DET
fsr-3932	86	45	public	public	NOUN
fsr-3932	86	46	,	,	PUNCT
fsr-3932	86	47	and	and	CCONJ
fsr-3932	86	48	the	the	DET
fsr-3932	86	49	mean	mean	NOUN
fsr-3932	86	50	is	be	AUX
fsr-3932	86	51	better	well	ADV
fsr-3932	86	52	able	able	ADJ
fsr-3932	86	53	to	to	PART
fsr-3932	86	54	convey	convey	VERB
fsr-3932	86	55	the	the	DET
fsr-3932	86	56	wide	wide	ADJ
fsr-3932	86	57	dispersion	dispersion	NOUN
fsr-3932	86	58	in	in	ADP
fsr-3932	86	59	the	the	DET
fsr-3932	86	60	reported	report	VERB
fsr-3932	86	61	data	datum	NOUN
fsr-3932	86	62	for	for	ADP
fsr-3932	86	63	some	some	DET
fsr-3932	86	64	response	response	NOUN
fsr-3932	86	65	groups	group	NOUN
fsr-3932	86	66	(	(	PUNCT
fsr-3932	86	67	board	board	NOUN
fsr-3932	86	68	of	of	ADP
fsr-3932	86	69	governors	governor	NOUN
fsr-3932	86	70	of	of	ADP
fsr-3932	86	71	the	the	DET
fsr-3932	86	72	federal	federal	PROPN
fsr-3932	86	73	reserve	reserve	PROPN
fsr-3932	86	74	system	system	NOUN
fsr-3932	86	75	,	,	PUNCT
fsr-3932	86	76	2000	2000	NUM
fsr-3932	86	77	,	,	PUNCT
fsr-3932	86	78	pp	pp	ADJ
fsr-3932	86	79	.	.	PUNCT
fsr-3932	87	1	7–8	7–8	X
fsr-3932	87	2	)	)	PUNCT
fsr-3932	87	3	.	.	PUNCT
fsr-3932	88	1	in	in	ADP
fsr-3932	88	2	this	this	DET
fsr-3932	88	3	case	case	NOUN
fsr-3932	88	4	,	,	PUNCT
fsr-3932	88	5	understanding	understand	VERB
fsr-3932	88	6	the	the	DET
fsr-3932	88	7	wide	wide	ADJ
fsr-3932	88	8	range	range	NOUN
fsr-3932	88	9	of	of	ADP
fsr-3932	88	10	item	item	NOUN
fsr-3932	88	11	responses	response	NOUN
fsr-3932	88	12	across	across	ADP
fsr-3932	88	13	particular	particular	ADJ
fsr-3932	88	14	groups	group	NOUN
fsr-3932	88	15	is	be	AUX
fsr-3932	88	16	important	important	ADJ
fsr-3932	88	17	in	in	ADP
fsr-3932	88	18	helping	help	VERB
fsr-3932	88	19	to	to	PART
fsr-3932	88	20	characterize	characterize	VERB
fsr-3932	88	21	differences	difference	NOUN
fsr-3932	88	22	between	between	ADP
fsr-3932	88	23	black	black	ADJ
fsr-3932	88	24	and	and	CCONJ
fsr-3932	88	25	white	white	ADJ
fsr-3932	88	26	investment	investment	NOUN
fsr-3932	88	27	portfolios	portfolio	NOUN
fsr-3932	88	28	.	.	PUNCT
fsr-3932	89	1	in	in	ADP
fsr-3932	89	2	order	order	NOUN
fsr-3932	89	3	to	to	PART
fsr-3932	89	4	control	control	VERB
fsr-3932	89	5	for	for	ADP
fsr-3932	89	6	differences	difference	NOUN
fsr-3932	89	7	in	in	ADP
fsr-3932	89	8	asset	asset	NOUN
fsr-3932	89	9	holdings	holding	NOUN
fsr-3932	89	10	that	that	PRON
fsr-3932	89	11	can	can	AUX
fsr-3932	89	12	be	be	AUX
fsr-3932	89	13	explained	explain	VERB
fsr-3932	89	14	by	by	ADP
fsr-3932	89	15	demographic	demographic	ADJ
fsr-3932	89	16	characteristics	characteristic	NOUN
fsr-3932	89	17	such	such	ADJ
fsr-3932	89	18	as	as	ADP
fsr-3932	89	19	income	income	NOUN
fsr-3932	89	20	,	,	PUNCT
fsr-3932	89	21	age	age	NOUN
fsr-3932	89	22	,	,	PUNCT
fsr-3932	89	23	and	and	CCONJ
fsr-3932	89	24	education	education	NOUN
fsr-3932	89	25	,	,	PUNCT
fsr-3932	89	26	the	the	DET
fsr-3932	89	27	reported	report	VERB
fsr-3932	89	28	data	datum	NOUN
fsr-3932	89	29	stratify	stratify	VERB
fsr-3932	89	30	household	household	NOUN
fsr-3932	89	31	asset	asset	NOUN
fsr-3932	89	32	holdings	holding	NOUN
fsr-3932	89	33	by	by	ADP
fsr-3932	89	34	respondent	respondent	NOUN
fsr-3932	89	35	income	income	NOUN
fsr-3932	89	36	(	(	PUNCT
fsr-3932	89	37	table	table	NOUN
fsr-3932	89	38	1	1	NUM
fsr-3932	89	39	)	)	PUNCT
fsr-3932	89	40	,	,	PUNCT
fsr-3932	89	41	respondent	respondent	NOUN
fsr-3932	89	42	age	age	NOUN
fsr-3932	89	43	(	(	PUNCT
fsr-3932	89	44	table	table	NOUN
fsr-3932	89	45	2	2	NUM
fsr-3932	89	46	)	)	PUNCT
fsr-3932	89	47	,	,	PUNCT
fsr-3932	89	48	and	and	CCONJ
fsr-3932	89	49	the	the	DET
fsr-3932	89	50	highest	high	ADJ
fsr-3932	89	51	educational	educational	ADJ
fsr-3932	89	52	grade	grade	NOUN
fsr-3932	89	53	-	-	PUNCT
fsr-3932	89	54	level	level	NOUN
fsr-3932	89	55	attained	attain	VERB
fsr-3932	89	56	by	by	ADP
fsr-3932	89	57	respondents	respondent	NOUN
fsr-3932	89	58	(	(	PUNCT
fsr-3932	89	59	table	table	NOUN
fsr-3932	89	60	3	3	NUM
fsr-3932	89	61	)	)	PUNCT
fsr-3932	89	62	.	.	PUNCT
fsr-3932	90	1	in	in	ADP
fsr-3932	90	2	each	each	PRON
fsr-3932	90	3	of	of	ADP
fsr-3932	90	4	these	these	DET
fsr-3932	90	5	cases	case	NOUN
fsr-3932	90	6	,	,	PUNCT
fsr-3932	90	7	advances	advance	NOUN
fsr-3932	90	8	in	in	ADP
fsr-3932	90	9	income	income	NOUN
fsr-3932	90	10	,	,	PUNCT
fsr-3932	90	11	age	age	NOUN
fsr-3932	90	12	,	,	PUNCT
fsr-3932	90	13	and	and	CCONJ
fsr-3932	90	14	educational	educational	ADJ
fsr-3932	90	15	attainment	attainment	NOUN
fsr-3932	90	16	do	do	AUX
fsr-3932	90	17	lead	lead	VERB
fsr-3932	90	18	to	to	ADP
fsr-3932	90	19	changes	change	NOUN
fsr-3932	90	20	in	in	ADP
fsr-3932	90	21	asset	asset	NOUN
fsr-3932	90	22	holdings	holding	NOUN
fsr-3932	90	23	consistent	consistent	ADJ
fsr-3932	90	24	with	with	ADP
fsr-3932	90	25	the	the	DET
fsr-3932	90	26	results	result	NOUN
fsr-3932	90	27	of	of	ADP
fsr-3932	90	28	yuh	yuh	PROPN
fsr-3932	90	29	and	and	CCONJ
fsr-3932	90	30	hanna	hanna	PROPN
fsr-3932	90	31	(	(	PUNCT
fsr-3932	90	32	1997	1997	NUM
fsr-3932	90	33	)	)	PUNCT
fsr-3932	90	34	.	.	PUNCT
fsr-3932	91	1	while	while	SCONJ
fsr-3932	91	2	asset	asset	NOUN
fsr-3932	91	3	portfolios	portfolio	NOUN
fsr-3932	91	4	of	of	ADP
fsr-3932	91	5	black	black	ADJ
fsr-3932	91	6	and	and	CCONJ
fsr-3932	91	7	white	white	ADJ
fsr-3932	91	8	consumers	consumer	NOUN
fsr-3932	91	9	do	do	AUX
fsr-3932	91	10	become	become	VERB
fsr-3932	91	11	increasingly	increasingly	ADV
fsr-3932	91	12	similar	similar	ADJ
fsr-3932	91	13	with	with	ADP
fsr-3932	91	14	advances	advance	NOUN
fsr-3932	91	15	in	in	ADP
fsr-3932	91	16	income	income	NOUN
fsr-3932	91	17	and	and	CCONJ
fsr-3932	91	18	educational	educational	ADJ
fsr-3932	91	19	attainment	attainment	NOUN
fsr-3932	91	20	,	,	PUNCT
fsr-3932	91	21	particularly	particularly	ADV
fsr-3932	91	22	across	across	ADP
fsr-3932	91	23	bank	bank	NOUN
fsr-3932	91	24	-	-	PUNCT
fsr-3932	91	25	related	relate	VERB
fsr-3932	91	26	financial	financial	ADJ
fsr-3932	91	27	asset	asset	NOUN
fsr-3932	91	28	categories	category	NOUN
fsr-3932	91	29	,	,	PUNCT
fsr-3932	91	30	substantial	substantial	ADJ
fsr-3932	91	31	differences	difference	NOUN
fsr-3932	91	32	across	across	ADP
fsr-3932	91	33	both	both	CCONJ
fsr-3932	91	34	financial	financial	ADJ
fsr-3932	91	35	and	and	CCONJ
fsr-3932	91	36	real	real	ADJ
fsr-3932	91	37	property	property	NOUN
fsr-3932	91	38	assets	asset	NOUN
fsr-3932	91	39	held	hold	VERB
fsr-3932	91	40	by	by	ADP
fsr-3932	91	41	black	black	ADJ
fsr-3932	91	42	and	and	CCONJ
fsr-3932	91	43	white	white	ADJ
fsr-3932	91	44	households	household	NOUN
fsr-3932	91	45	persist	persist	VERB
fsr-3932	91	46	even	even	ADV
fsr-3932	91	47	in	in	ADP
fsr-3932	91	48	the	the	DET
fsr-3932	91	49	highest	high	ADJ
fsr-3932	91	50	income	income	NOUN
fsr-3932	91	51	and	and	CCONJ
fsr-3932	91	52	education	education	NOUN
fsr-3932	91	53	categories	category	NOUN
fsr-3932	91	54	.	.	PUNCT
fsr-3932	92	1	this	this	DET
fsr-3932	92	2	finding	finding	NOUN
fsr-3932	92	3	regarding	regard	VERB
fsr-3932	92	4	asset	asset	NOUN
fsr-3932	92	5	holdings	holding	NOUN
fsr-3932	92	6	tends	tend	VERB
fsr-3932	92	7	to	to	PART
fsr-3932	92	8	support	support	VERB
fsr-3932	92	9	the	the	DET
fsr-3932	92	10	conclusion	conclusion	NOUN
fsr-3932	92	11	of	of	ADP
fsr-3932	92	12	williams	williams	PROPN
fsr-3932	92	13	and	and	CCONJ
fsr-3932	92	14	qualls	qualls	PROPN
fsr-3932	92	15	(	(	PUNCT
fsr-3932	92	16	1989	1989	NUM
fsr-3932	92	17	)	)	PUNCT
fsr-3932	92	18	,	,	PUNCT
fsr-3932	92	19	who	who	PRON
fsr-3932	92	20	note	note	VERB
fsr-3932	92	21	that	that	SCONJ
fsr-3932	92	22	as	as	SCONJ
fsr-3932	92	23	african	african	ADJ
fsr-3932	92	24	-	-	PUNCT
fsr-3932	92	25	american	american	ADJ
fsr-3932	92	26	consumers	consumer	NOUN
fsr-3932	92	27	make	make	VERB
fsr-3932	92	28	more	more	ADJ
fsr-3932	92	29	money	money	NOUN
fsr-3932	92	30	and	and	CCONJ
fsr-3932	92	31	move	move	VERB
fsr-3932	92	32	up	up	ADP
fsr-3932	92	33	in	in	ADP
fsr-3932	92	34	class	class	NOUN
fsr-3932	92	35	standing	standing	NOUN
fsr-3932	92	36	,	,	PUNCT
fsr-3932	92	37	they	they	PRON
fsr-3932	92	38	do	do	AUX
fsr-3932	92	39	not	not	PART
fsr-3932	92	40	lose	lose	VERB
fsr-3932	92	41	their	their	PRON
fsr-3932	92	42	ethnic	ethnic	ADJ
fsr-3932	92	43	orientation	orientation	NOUN
fsr-3932	92	44	and	and	CCONJ
fsr-3932	92	45	begin	begin	VERB
fsr-3932	92	46	to	to	PART
fsr-3932	92	47	resemble	resemble	VERB
fsr-3932	92	48	white	white	ADJ
fsr-3932	92	49	consumers	consumer	NOUN
fsr-3932	92	50	.	.	PUNCT
fsr-3932	93	1	the	the	DET
fsr-3932	93	2	most	most	ADV
fsr-3932	93	3	notable	notable	ADJ
fsr-3932	93	4	difference	difference	NOUN
fsr-3932	93	5	between	between	ADP
fsr-3932	93	6	black	black	ADJ
fsr-3932	93	7	and	and	CCONJ
fsr-3932	93	8	white	white	ADJ
fsr-3932	93	9	households	household	NOUN
fsr-3932	93	10	,	,	PUNCT
fsr-3932	93	11	however	however	ADV
fsr-3932	93	12	,	,	PUNCT
fsr-3932	93	13	is	be	AUX
fsr-3932	93	14	unrelated	unrelated	ADJ
fsr-3932	93	15	to	to	ADP
fsr-3932	93	16	cultural	cultural	ADJ
fsr-3932	93	17	considerations	consideration	NOUN
fsr-3932	93	18	.	.	PUNCT
fsr-3932	94	1	the	the	DET
fsr-3932	94	2	dollar	dollar	NOUN
fsr-3932	94	3	value	value	NOUN
fsr-3932	94	4	of	of	ADP
fsr-3932	94	5	virtually	virtually	ADV
fsr-3932	94	6	all	all	DET
fsr-3932	94	7	asset	asset	NOUN
fsr-3932	94	8	holdings	holding	NOUN
fsr-3932	94	9	is	be	AUX
fsr-3932	94	10	substantially	substantially	ADV
fsr-3932	94	11	greater	great	ADJ
fsr-3932	94	12	across	across	ADP
fsr-3932	94	13	white	white	ADJ
fsr-3932	94	14	respondents	respondent	NOUN
fsr-3932	94	15	.	.	PUNCT
fsr-3932	95	1	this	this	DET
fsr-3932	95	2	gap	gap	NOUN
fsr-3932	95	3	reflects	reflect	VERB
fsr-3932	95	4	the	the	DET
fsr-3932	95	5	wide	wide	ADJ
fsr-3932	95	6	net	net	ADJ
fsr-3932	95	7	worth	worth	ADJ
fsr-3932	95	8	disparity	disparity	NOUN
fsr-3932	95	9	between	between	ADP
fsr-3932	95	10	black	black	ADJ
fsr-3932	95	11	and	and	CCONJ
fsr-3932	95	12	white	white	ADJ
fsr-3932	95	13	consumers	consumer	NOUN
fsr-3932	95	14	reported	report	VERB
fsr-3932	95	15	by	by	ADP
fsr-3932	95	16	scott	scott	PROPN
fsr-3932	95	17	(	(	PUNCT
fsr-3932	95	18	1998	1998	NUM
fsr-3932	95	19	)	)	PUNCT
fsr-3932	95	20	,	,	PUNCT
fsr-3932	95	21	myers	myers	PROPN
fsr-3932	95	22	and	and	CCONJ
fsr-3932	95	23	chung	chung	PROPN
fsr-3932	95	24	(	(	PUNCT
fsr-3932	95	25	1996	1996	NUM
fsr-3932	95	26	)	)	PUNCT
fsr-3932	95	27	,	,	PUNCT
fsr-3932	95	28	and	and	CCONJ
fsr-3932	95	29	a	a	DET
fsr-3932	95	30	host	host	NOUN
fsr-3932	95	31	of	of	ADP
fsr-3932	95	32	other	other	ADJ
fsr-3932	95	33	researchers	researcher	NOUN
fsr-3932	95	34	.	.	PUNCT
fsr-3932	96	1	moreover	moreover	ADV
fsr-3932	96	2	,	,	PUNCT
fsr-3932	96	3	the	the	DET
fsr-3932	96	4	gap	gap	NOUN
fsr-3932	96	5	does	do	AUX
fsr-3932	96	6	not	not	PART
fsr-3932	96	7	appear	appear	VERB
fsr-3932	96	8	to	to	PART
fsr-3932	96	9	be	be	AUX
fsr-3932	96	10	related	relate	VERB
fsr-3932	96	11	to	to	ADP
fsr-3932	96	12	the	the	DET
fsr-3932	96	13	relative	relative	ADJ
fsr-3932	96	14	popularity	popularity	NOUN
fsr-3932	96	15	of	of	ADP
fsr-3932	96	16	various	various	ADJ
fsr-3932	96	17	asset	asset	NOUN
fsr-3932	96	18	categories	category	NOUN
fsr-3932	96	19	,	,	PUNCT
fsr-3932	96	20	such	such	ADJ
fsr-3932	96	21	as	as	ADP
fsr-3932	96	22	common	common	ADJ
fsr-3932	96	23	stock	stock	NOUN
fsr-3932	96	24	versus	versus	ADP
fsr-3932	96	25	real	real	ADJ
fsr-3932	96	26	estate	estate	NOUN
fsr-3932	96	27	,	,	PUNCT
fsr-3932	96	28	across	across	ADP
fsr-3932	96	29	different	different	ADJ
fsr-3932	96	30	racial	racial	ADJ
fsr-3932	96	31	groups	group	NOUN
fsr-3932	96	32	.	.	PUNCT
fsr-3932	97	1	as	as	ADP
fsr-3932	97	2	scott	scott	PROPN
fsr-3932	97	3	(	(	PUNCT
fsr-3932	97	4	1998	1998	NUM
fsr-3932	97	5	)	)	PUNCT
fsr-3932	97	6	,	,	PUNCT
fsr-3932	97	7	lach	lach	PROPN
fsr-3932	97	8	(	(	PUNCT
fsr-3932	97	9	1999	1999	NUM
fsr-3932	97	10	)	)	PUNCT
fsr-3932	97	11	,	,	PUNCT
fsr-3932	97	12	and	and	CCONJ
fsr-3932	97	13	badu	badu	VERB
fsr-3932	97	14	et	et	PROPN
fsr-3932	97	15	al	al	PROPN
fsr-3932	97	16	.	.	PROPN
fsr-3932	98	1	(	(	PUNCT
fsr-3932	98	2	1999	1999	NUM
fsr-3932	98	3	)	)	PUNCT
fsr-3932	98	4	suggest	suggest	VERB
fsr-3932	98	5	,	,	PUNCT
fsr-3932	98	6	african	african	ADJ
fsr-3932	98	7	-	-	PUNCT
fsr-3932	98	8	american	american	ADJ
fsr-3932	98	9	households	household	NOUN
fsr-3932	98	10	are	be	AUX
fsr-3932	98	11	particularly	particularly	ADV
fsr-3932	98	12	conservative	conservative	ADJ
fsr-3932	98	13	in	in	ADP
fsr-3932	98	14	their	their	PRON
fsr-3932	98	15	investment	investment	NOUN
fsr-3932	98	16	style	style	NOUN
fsr-3932	98	17	,	,	PUNCT
fsr-3932	98	18	preferring	prefer	VERB
fsr-3932	98	19	real	real	ADJ
fsr-3932	98	20	estate	estate	NOUN
fsr-3932	98	21	assets	asset	NOUN
fsr-3932	98	22	and	and	CCONJ
fsr-3932	98	23	insurance	insurance	NOUN
fsr-3932	98	24	products	product	NOUN
fsr-3932	98	25	to	to	ADP
fsr-3932	98	26	stock	stock	NOUN
fsr-3932	98	27	and	and	CCONJ
fsr-3932	98	28	bond	bond	NOUN
fsr-3932	98	29	investments	investment	NOUN
fsr-3932	98	30	.	.	PUNCT
fsr-3932	99	1	even	even	ADV
fsr-3932	99	2	within	within	ADP
fsr-3932	99	3	these	these	DET
fsr-3932	99	4	relatively	relatively	ADV
fsr-3932	99	5	more	more	ADV
fsr-3932	99	6	popular	popular	ADJ
fsr-3932	99	7	investment	investment	NOUN
fsr-3932	99	8	categories	category	NOUN
fsr-3932	99	9	,	,	PUNCT
fsr-3932	99	10	however	however	ADV
fsr-3932	99	11	,	,	PUNCT
fsr-3932	99	12	the	the	DET
fsr-3932	99	13	mean	mean	ADJ
fsr-3932	99	14	values	value	NOUN
fsr-3932	99	15	for	for	ADP
fsr-3932	99	16	all	all	DET
fsr-3932	99	17	categories	category	NOUN
fsr-3932	99	18	of	of	ADP
fsr-3932	99	19	real	real	ADJ
fsr-3932	99	20	property	property	NOUN
fsr-3932	99	21	investments	investment	NOUN
fsr-3932	99	22	across	across	ADP
fsr-3932	99	23	the	the	DET
fsr-3932	99	24	african	african	ADJ
fsr-3932	99	25	-	-	PUNCT
fsr-3932	99	26	american	american	ADJ
fsr-3932	99	27	sample	sample	NOUN
fsr-3932	99	28	lie	lie	VERB
fsr-3932	99	29	well	well	ADV
fsr-3932	99	30	below	below	ADP
fsr-3932	99	31	their	their	PRON
fsr-3932	99	32	corresponding	correspond	VERB
fsr-3932	99	33	values	value	NOUN
fsr-3932	99	34	in	in	ADP
fsr-3932	99	35	white	white	ADJ
fsr-3932	99	36	households	household	NOUN
fsr-3932	99	37	.	.	PUNCT
fsr-3932	100	1	this	this	DET
fsr-3932	100	2	trend	trend	NOUN
fsr-3932	100	3	persists	persist	VERB
fsr-3932	100	4	across	across	ADP
fsr-3932	100	5	all	all	DET
fsr-3932	100	6	income	income	NOUN
fsr-3932	100	7	,	,	PUNCT
fsr-3932	100	8	age	age	NOUN
fsr-3932	100	9	,	,	PUNCT
fsr-3932	100	10	and	and	CCONJ
fsr-3932	100	11	education	education	NOUN
fsr-3932	100	12	levels	level	NOUN
fsr-3932	100	13	;	;	PUNCT
fsr-3932	100	14	and	and	CCONJ
fsr-3932	100	15	unlike	unlike	ADP
fsr-3932	100	16	other	other	ADJ
fsr-3932	100	17	asset	asset	NOUN
fsr-3932	100	18	holding	hold	VERB
fsr-3932	100	19	patterns	pattern	NOUN
fsr-3932	100	20	,	,	PUNCT
fsr-3932	100	21	the	the	DET
fsr-3932	100	22	real	real	ADJ
fsr-3932	100	23	estate	estate	NOUN
fsr-3932	100	24	gap	gap	NOUN
fsr-3932	100	25	grows	grow	VERB
fsr-3932	100	26	wider	wide	ADJ
fsr-3932	100	27	,	,	PUNCT
fsr-3932	100	28	not	not	PART
fsr-3932	100	29	more	more	ADV
fsr-3932	100	30	narrow	narrow	ADJ
fsr-3932	100	31	,	,	PUNCT
fsr-3932	100	32	as	as	ADP
fsr-3932	100	33	income	income	NOUN
fsr-3932	100	34	and	and	CCONJ
fsr-3932	100	35	educational	educational	ADJ
fsr-3932	100	36	attainment	attainment	ADJ
fsr-3932	100	37	increase	increase	NOUN
fsr-3932	100	38	.	.	PUNCT
fsr-3932	101	1	in	in	ADP
fsr-3932	101	2	most	most	ADJ
fsr-3932	101	3	cases	case	NOUN
fsr-3932	101	4	,	,	PUNCT
fsr-3932	101	5	this	this	PRON
fsr-3932	101	6	is	be	AUX
fsr-3932	101	7	attributable	attributable	ADJ
fsr-3932	101	8	to	to	ADP
fsr-3932	101	9	the	the	DET
fsr-3932	101	10	increased	increase	VERB
fsr-3932	101	11	valuation	valuation	NOUN
fsr-3932	101	12	dispersion	dispersion	NOUN
fsr-3932	101	13	observed	observe	VERB
fsr-3932	101	14	across	across	ADP
fsr-3932	101	15	real	real	ADJ
fsr-3932	101	16	estate	estate	NOUN
fsr-3932	101	17	holdings	holding	NOUN
fsr-3932	101	18	of	of	ADP
fsr-3932	101	19	white	white	ADJ
fsr-3932	101	20	households	household	NOUN
fsr-3932	101	21	.	.	PUNCT
fsr-3932	102	1	the	the	DET
fsr-3932	102	2	wide	wide	ADJ
fsr-3932	102	3	range	range	NOUN
fsr-3932	102	4	of	of	ADP
fsr-3932	102	5	real	real	ADJ
fsr-3932	102	6	estate	estate	NOUN
fsr-3932	102	7	values	value	NOUN
fsr-3932	102	8	is	be	AUX
fsr-3932	102	9	particularly	particularly	ADV
fsr-3932	102	10	evident	evident	ADJ
fsr-3932	102	11	in	in	ADP
fsr-3932	102	12	the	the	DET
fsr-3932	102	13	348	348	NUM
fsr-3932	102	14	d.a	d.a	PROPN
fsr-3932	102	15	.	.	PROPN
fsr-3932	102	16	plath	plath	PROPN
fsr-3932	102	17	,	,	PUNCT
fsr-3932	102	18	t.h	t.h	PROPN
fsr-3932	102	19	.	.	PROPN
fsr-3932	102	20	stevenson	stevenson	PROPN
fsr-3932	102	21	/	/	SYM
fsr-3932	102	22	financial	financial	ADJ
fsr-3932	102	23	services	service	NOUN
fsr-3932	102	24	review	review	VERB
fsr-3932	102	25	94	94	NUM
fsr-3932	102	26	(	(	PUNCT
fsr-3932	102	27	2000	2000	NUM
fsr-3932	102	28	)	)	PUNCT
fsr-3932	102	29	343–359	343–359	NUM
fsr-3932	102	30	table	table	NOUN
fsr-3932	102	31	1	1	NUM
fsr-3932	102	32	family	family	NOUN
fsr-3932	102	33	asset	asset	NOUN
fsr-3932	102	34	holdings	holding	NOUN
fsr-3932	102	35	by	by	ADP
fsr-3932	102	36	income	income	NOUN
fsr-3932	102	37	and	and	CCONJ
fsr-3932	102	38	race	race	NOUN
fsr-3932	102	39	characteristics	characteristic	NOUN
fsr-3932	102	40	asset	asset	NOUN
fsr-3932	102	41	category	category	NOUN
fsr-3932	102	42	household	household	NOUN
fsr-3932	102	43	income	income	NOUN
fsr-3932	102	44	in	in	ADP
fsr-3932	102	45	1998	1998	NUM
fsr-3932	102	46	dollars	dollar	NOUN
fsr-3932	102	47	$	$	SYM
fsr-3932	102	48	10,000	10,000	NUM
fsr-3932	102	49	to	to	PART
fsr-3932	102	50	$	$	SYM
fsr-3932	102	51	24,999	24,999	NUM
fsr-3932	102	52	$	$	SYM
fsr-3932	102	53	25,000	25,000	NUM
fsr-3932	102	54	to	to	PART
fsr-3932	102	55	$	$	SYM
fsr-3932	102	56	49,999	49,999	NUM
fsr-3932	102	57	$	$	SYM
fsr-3932	102	58	50,000	50,000	NUM
fsr-3932	102	59	to	to	PART
fsr-3932	102	60	$	$	SYM
fsr-3932	102	61	100,000	100,000	NUM
fsr-3932	102	62	more	more	ADJ
fsr-3932	102	63	than	than	ADP
fsr-3932	102	64	$	$	SYM
fsr-3932	102	65	100,000	100,000	NUM
fsr-3932	102	66	race	race	NOUN
fsr-3932	102	67	race	race	NOUN
fsr-3932	102	68	race	race	NOUN
fsr-3932	102	69	race	race	NOUN
fsr-3932	102	70	black	black	ADJ
fsr-3932	102	71	n	n	X
fsr-3932	102	72	�	�	PROPN
fsr-3932	102	73	573	573	NUM
fsr-3932	102	74	white	white	ADJ
fsr-3932	102	75	n	n	X
fsr-3932	102	76	�	�	PROPN
fsr-3932	102	77	2,795	2,795	NUM
fsr-3932	102	78	black	black	ADJ
fsr-3932	102	79	n	n	X
fsr-3932	102	80	�	�	PROPN
fsr-3932	102	81	452	452	NUM
fsr-3932	102	82	white	white	ADJ
fsr-3932	102	83	n	n	X
fsr-3932	102	84	�	�	PROPN
fsr-3932	102	85	3,781	3,781	NUM
fsr-3932	102	86	black	black	ADJ
fsr-3932	102	87	n	n	CCONJ
fsr-3932	102	88	�	�	PROPN
fsr-3932	102	89	286	286	NUM
fsr-3932	102	90	white	white	ADJ
fsr-3932	102	91	n	n	PRON
fsr-3932	102	92	�	�	PROPN
fsr-3932	102	93	3,915	3,915	NUM
fsr-3932	102	94	black	black	ADJ
fsr-3932	102	95	n	n	X
fsr-3932	102	96	�	�	PROPN
fsr-3932	102	97	117	117	NUM
fsr-3932	102	98	white	white	PROPN
fsr-3932	102	99	n	n	CCONJ
fsr-3932	102	100	�	�	PROPN
fsr-3932	102	101	5,770	5,770	NUM
fsr-3932	102	102	proportion	proportion	NOUN
fsr-3932	102	103	mean	mean	NOUN
fsr-3932	103	1	proportion	proportion	NOUN
fsr-3932	103	2	mean	mean	NOUN
fsr-3932	103	3	proportion	proportion	NOUN
fsr-3932	103	4	mean	mean	NOUN
fsr-3932	103	5	proportion	proportion	NOUN
fsr-3932	103	6	mean	mean	NOUN
fsr-3932	103	7	proportion	proportion	NOUN
fsr-3932	103	8	mean	mean	NOUN
fsr-3932	103	9	proportion	proportion	NOUN
fsr-3932	103	10	mean	mean	NOUN
fsr-3932	103	11	proportion	proportion	NOUN
fsr-3932	103	12	mean	mean	NOUN
fsr-3932	103	13	proportion	proportion	NOUN
fsr-3932	103	14	mean	mean	VERB
fsr-3932	103	15	financial	financial	ADJ
fsr-3932	103	16	asset	asset	NOUN
fsr-3932	103	17	ownership	ownership	NOUN
fsr-3932	103	18	transaction	transaction	NOUN
fsr-3932	103	19	accounts	account	VERB
fsr-3932	103	20	57.8	57.8	NUM
fsr-3932	103	21	%	%	NOUN
fsr-3932	103	22	*	*	PUNCT
fsr-3932	103	23	*	*	PUNCT
fsr-3932	103	24	*	*	PUNCT
fsr-3932	103	25	$	$	SYM
fsr-3932	103	26	361	361	NUM
fsr-3932	103	27	*	*	PUNCT
fsr-3932	103	28	*	*	PUNCT
fsr-3932	103	29	*	*	PUNCT
fsr-3932	103	30	88.8	88.8	NUM
fsr-3932	103	31	%	%	NOUN
fsr-3932	103	32	$	$	SYM
fsr-3932	103	33	2,901	2,901	NUM
fsr-3932	103	34	88.0	88.0	NUM
fsr-3932	103	35	%	%	NOUN
fsr-3932	103	36	$	$	SYM
fsr-3932	103	37	4,285	4,285	NUM
fsr-3932	103	38	95.7	95.7	NUM
fsr-3932	103	39	%	%	NOUN
fsr-3932	103	40	$	$	SYM
fsr-3932	103	41	3,539	3,539	NUM
fsr-3932	103	42	96.3	96.3	NUM
fsr-3932	103	43	%	%	NOUN
fsr-3932	103	44	$	$	SYM
fsr-3932	103	45	4,220	4,220	NUM
fsr-3932	103	46	99.4	99.4	NUM
fsr-3932	103	47	%	%	NOUN
fsr-3932	103	48	$	$	SYM
fsr-3932	103	49	5,514	5,514	NUM
fsr-3932	103	50	99.4	99.4	NUM
fsr-3932	103	51	%	%	NOUN
fsr-3932	103	52	$	$	SYM
fsr-3932	103	53	9,282	9,282	NUM
fsr-3932	103	54	*	*	PUNCT
fsr-3932	103	55	*	*	PUNCT
fsr-3932	103	56	*	*	PUNCT
fsr-3932	103	57	99.7	99.7	NUM
fsr-3932	103	58	%	%	NOUN
fsr-3932	103	59	$	$	SYM
fsr-3932	103	60	32,782	32,782	NUM
fsr-3932	103	61	certificates	certificate	NOUN
fsr-3932	103	62	of	of	ADP
fsr-3932	103	63	deposit	deposit	NOUN
fsr-3932	103	64	4.8	4.8	NUM
fsr-3932	103	65	%	%	NOUN
fsr-3932	103	66	*	*	PUNCT
fsr-3932	104	1	*	*	PUNCT
fsr-3932	104	2	*	*	PUNCT
fsr-3932	104	3	$	$	SYM
fsr-3932	104	4	374	374	NUM
fsr-3932	104	5	*	*	PUNCT
fsr-3932	104	6	*	*	PUNCT
fsr-3932	104	7	*	*	PUNCT
fsr-3932	104	8	21.8	21.8	NUM
fsr-3932	104	9	%	%	NOUN
fsr-3932	104	10	$	$	SYM
fsr-3932	104	11	7,089	7,089	NUM
fsr-3932	104	12	13.1	13.1	NUM
fsr-3932	104	13	%	%	NOUN
fsr-3932	104	14	$	$	SYM
fsr-3932	104	15	728	728	NUM
fsr-3932	104	16	*	*	PUNCT
fsr-3932	104	17	*	*	PUNCT
fsr-3932	104	18	*	*	PUNCT
fsr-3932	104	19	17.7	17.7	NUM
fsr-3932	104	20	%	%	NOUN
fsr-3932	104	21	$	$	SYM
fsr-3932	104	22	6,293	6,293	NUM
fsr-3932	104	23	7.5	7.5	NUM
fsr-3932	104	24	%	%	NOUN
fsr-3932	104	25	*	*	NOUN
fsr-3932	104	26	*	*	PUNCT
fsr-3932	104	27	$	$	SYM
fsr-3932	104	28	278	278	NUM
fsr-3932	104	29	*	*	PUNCT
fsr-3932	104	30	*	*	PUNCT
fsr-3932	104	31	*	*	PUNCT
fsr-3932	104	32	17.7	17.7	NUM
fsr-3932	104	33	%	%	NOUN
fsr-3932	104	34	$	$	SYM
fsr-3932	104	35	6,241	6,241	NUM
fsr-3932	104	36	18.6	18.6	NUM
fsr-3932	104	37	%	%	NOUN
fsr-3932	104	38	$	$	SYM
fsr-3932	104	39	2,776	2,776	NUM
fsr-3932	104	40	*	*	SYM
fsr-3932	104	41	16.0	16.0	NUM
fsr-3932	104	42	%	%	NOUN
fsr-3932	104	43	$	$	SYM
fsr-3932	104	44	14,349	14,349	NUM
fsr-3932	104	45	savings	saving	NOUN
fsr-3932	104	46	deposits	deposit	NOUN
fsr-3932	104	47	45.5	45.5	NUM
fsr-3932	104	48	%	%	NOUN
fsr-3932	104	49	$	$	SYM
fsr-3932	104	50	1,417	1,417	NUM
fsr-3932	104	51	48.1	48.1	NUM
fsr-3932	104	52	%	%	NOUN
fsr-3932	104	53	$	$	SYM
fsr-3932	104	54	2,907	2,907	NUM
fsr-3932	104	55	64.2	64.2	NUM
fsr-3932	104	56	%	%	NOUN
fsr-3932	104	57	42,401	42,401	NUM
fsr-3932	104	58	60.7	60.7	NUM
fsr-3932	104	59	%	%	NOUN
fsr-3932	104	60	43,689	43,689	NUM
fsr-3932	104	61	76.8	76.8	NUM
fsr-3932	104	62	%	%	NOUN
fsr-3932	105	1	43,858	43,858	NUM
fsr-3932	105	2	*	*	NOUN
fsr-3932	105	3	72.3	72.3	NUM
fsr-3932	105	4	%	%	NOUN
fsr-3932	106	1	$	$	SYM
fsr-3932	106	2	6,521	6,521	NUM
fsr-3932	106	3	64.8	64.8	NUM
fsr-3932	106	4	%	%	NOUN
fsr-3932	106	5	$	$	SYM
fsr-3932	106	6	4,418	4,418	NUM
fsr-3932	106	7	*	*	PUNCT
fsr-3932	106	8	*	*	PUNCT
fsr-3932	106	9	60.3	60.3	NUM
fsr-3932	106	10	%	%	NOUN
fsr-3932	106	11	$	$	SYM
fsr-3932	106	12	14,035	14,035	NUM
fsr-3932	106	13	savings	saving	NOUN
fsr-3932	106	14	bonds	bond	NOUN
fsr-3932	106	15	6.4	6.4	NUM
fsr-3932	106	16	%	%	NOUN
fsr-3932	106	17	$	$	SYM
fsr-3932	106	18	212	212	NUM
fsr-3932	106	19	12.3	12.3	NUM
fsr-3932	106	20	%	%	NOUN
fsr-3932	106	21	$	$	SYM
fsr-3932	106	22	388	388	NUM
fsr-3932	106	23	14.2	14.2	NUM
fsr-3932	106	24	%	%	NOUN
fsr-3932	106	25	*	*	PUNCT
fsr-3932	106	26	*	*	PUNCT
fsr-3932	106	27	$	$	SYM
fsr-3932	106	28	238	238	NUM
fsr-3932	106	29	*	*	PUNCT
fsr-3932	106	30	*	*	PUNCT
fsr-3932	106	31	*	*	PUNCT
fsr-3932	106	32	22.5	22.5	NUM
fsr-3932	106	33	%	%	NOUN
fsr-3932	106	34	$	$	SYM
fsr-3932	106	35	902	902	NUM
fsr-3932	106	36	17.0	17.0	NUM
fsr-3932	106	37	%	%	NOUN
fsr-3932	106	38	*	*	PUNCT
fsr-3932	106	39	*	*	PUNCT
fsr-3932	106	40	$	$	SYM
fsr-3932	106	41	300	300	NUM
fsr-3932	106	42	*	*	PUNCT
fsr-3932	106	43	*	*	PUNCT
fsr-3932	106	44	*	*	PUNCT
fsr-3932	106	45	32.2	32.2	NUM
fsr-3932	106	46	%	%	NOUN
fsr-3932	106	47	$	$	SYM
fsr-3932	106	48	1,508	1,508	NUM
fsr-3932	106	49	4.1	4.1	NUM
fsr-3932	106	50	%	%	NOUN
fsr-3932	106	51	*	*	PUNCT
fsr-3932	106	52	*	*	PUNCT
fsr-3932	106	53	*	*	PUNCT
fsr-3932	106	54	$	$	SYM
fsr-3932	106	55	1,526	1,526	NUM
fsr-3932	106	56	32.5	32.5	NUM
fsr-3932	106	57	%	%	NOUN
fsr-3932	106	58	$	$	SYM
fsr-3932	106	59	3,065	3,065	NUM
fsr-3932	106	60	bonds	bond	NOUN
fsr-3932	106	61	:	:	PUNCT
fsr-3932	106	62	treasury	treasury	NOUN
fsr-3932	106	63	bonds	bond	NOUN
fsr-3932	106	64	0.0	0.0	NUM
fsr-3932	106	65	%	%	NOUN
fsr-3932	106	66	$	$	SYM
fsr-3932	106	67	0	0	NUM
fsr-3932	106	68	0.2	0.2	NUM
fsr-3932	106	69	%	%	NOUN
fsr-3932	106	70	$	$	SYM
fsr-3932	106	71	50	50	NUM
fsr-3932	106	72	0.0	0.0	NUM
fsr-3932	106	73	%	%	NOUN
fsr-3932	106	74	*	*	NOUN
fsr-3932	106	75	*	*	PUNCT
fsr-3932	106	76	$	$	SYM
fsr-3932	106	77	0	0	NUM
fsr-3932	106	78	*	*	NOUN
fsr-3932	106	79	*	*	PUNCT
fsr-3932	106	80	0.9	0.9	NUM
fsr-3932	106	81	%	%	NOUN
fsr-3932	106	82	$	$	SYM
fsr-3932	106	83	632	632	NUM
fsr-3932	106	84	0.0	0.0	NUM
fsr-3932	106	85	%	%	NOUN
fsr-3932	106	86	*	*	PUNCT
fsr-3932	106	87	*	*	PUNCT
fsr-3932	106	88	*	*	PUNCT
fsr-3932	106	89	$	$	SYM
fsr-3932	106	90	0	0	NUM
fsr-3932	106	91	*	*	SYM
fsr-3932	106	92	1.2	1.2	NUM
fsr-3932	106	93	%	%	NOUN
fsr-3932	106	94	$	$	SYM
fsr-3932	106	95	273	273	NUM
fsr-3932	106	96	0.4	0.4	NUM
fsr-3932	106	97	%	%	NOUN
fsr-3932	106	98	*	*	PUNCT
fsr-3932	106	99	*	*	PUNCT
fsr-3932	106	100	*	*	PUNCT
fsr-3932	106	101	$	$	SYM
fsr-3932	106	102	1,463	1,463	NUM
fsr-3932	106	103	*	*	PUNCT
fsr-3932	106	104	*	*	PROPN
fsr-3932	106	105	5.4	5.4	NUM
fsr-3932	106	106	%	%	NOUN
fsr-3932	106	107	$	$	SYM
fsr-3932	106	108	15,430	15,430	NUM
fsr-3932	106	109	municipal	municipal	ADJ
fsr-3932	106	110	bonds	bond	NOUN
fsr-3932	106	111	0.0	0.0	NUM
fsr-3932	106	112	%	%	NOUN
fsr-3932	106	113	*	*	PUNCT
fsr-3932	106	114	$	$	SYM
fsr-3932	106	115	0	0	NUM
fsr-3932	106	116	1.1	1.1	NUM
fsr-3932	106	117	%	%	NOUN
fsr-3932	106	118	$	$	SYM
fsr-3932	106	119	611	611	NUM
fsr-3932	106	120	0.0	0.0	NUM
fsr-3932	106	121	%	%	NOUN
fsr-3932	106	122	*	*	NOUN
fsr-3932	106	123	*	*	PUNCT
fsr-3932	106	124	$	$	SYM
fsr-3932	106	125	0	0	NUM
fsr-3932	106	126	1.5	1.5	NUM
fsr-3932	106	127	%	%	NOUN
fsr-3932	106	128	$	$	SYM
fsr-3932	106	129	753	753	NUM
fsr-3932	106	130	0.0	0.0	NUM
fsr-3932	106	131	%	%	NOUN
fsr-3932	106	132	*	*	PUNCT
fsr-3932	106	133	*	*	PUNCT
fsr-3932	106	134	*	*	PUNCT
fsr-3932	106	135	$	$	SYM
fsr-3932	106	136	0	0	NUM
fsr-3932	106	137	1.7	1.7	NUM
fsr-3932	106	138	%	%	NOUN
fsr-3932	106	139	$	$	SYM
fsr-3932	106	140	1,852	1,852	NUM
fsr-3932	106	141	10.0	10.0	NUM
fsr-3932	106	142	%	%	NOUN
fsr-3932	106	143	$	$	SYM
fsr-3932	106	144	4,619	4,619	NUM
fsr-3932	106	145	*	*	SYM
fsr-3932	106	146	8.4	8.4	NUM
fsr-3932	106	147	%	%	NOUN
fsr-3932	106	148	$	$	SYM
fsr-3932	106	149	33,583	33,583	NUM
fsr-3932	106	150	corporate	corporate	ADJ
fsr-3932	106	151	bonds	bond	NOUN
fsr-3932	106	152	0.0	0.0	NUM
fsr-3932	106	153	%	%	NOUN
fsr-3932	106	154	$	$	SYM
fsr-3932	106	155	0	0	NUM
fsr-3932	106	156	0.8	0.8	NUM
fsr-3932	106	157	%	%	NOUN
fsr-3932	106	158	$	$	SYM
fsr-3932	106	159	321	321	NUM
fsr-3932	106	160	0.0	0.0	NUM
fsr-3932	106	161	%	%	NOUN
fsr-3932	106	162	*	*	NOUN
fsr-3932	106	163	*	*	PUNCT
fsr-3932	106	164	$	$	SYM
fsr-3932	106	165	0	0	NUM
fsr-3932	106	166	*	*	SYM
fsr-3932	106	167	1.2	1.2	NUM
fsr-3932	106	168	%	%	NOUN
fsr-3932	106	169	$	$	SYM
fsr-3932	106	170	181	181	NUM
fsr-3932	106	171	0.0	0.0	NUM
fsr-3932	106	172	%	%	NOUN
fsr-3932	106	173	*	*	PUNCT
fsr-3932	106	174	*	*	PUNCT
fsr-3932	106	175	*	*	PUNCT
fsr-3932	106	176	$	$	SYM
fsr-3932	106	177	0	0	NUM
fsr-3932	106	178	*	*	SYM
fsr-3932	106	179	1.5	1.5	NUM
fsr-3932	106	180	%	%	NOUN
fsr-3932	106	181	$	$	SYM
fsr-3932	106	182	941	941	NUM
fsr-3932	106	183	0.0	0.0	NUM
fsr-3932	106	184	%	%	NOUN
fsr-3932	106	185	*	*	PUNCT
fsr-3932	106	186	*	*	PUNCT
fsr-3932	106	187	*	*	PUNCT
fsr-3932	106	188	$	$	SYM
fsr-3932	106	189	0	0	NUM
fsr-3932	106	190	*	*	PUNCT
fsr-3932	106	191	*	*	PUNCT
fsr-3932	106	192	2.5	2.5	NUM
fsr-3932	106	193	%	%	NOUN
fsr-3932	106	194	$	$	SYM
fsr-3932	106	195	9,615	9,615	NUM
fsr-3932	106	196	mortgage	mortgage	NOUN
fsr-3932	106	197	-	-	PUNCT
fsr-3932	106	198	backed	back	VERB
fsr-3932	106	199	bonds	bond	NOUN
fsr-3932	106	200	0.0	0.0	NUM
fsr-3932	106	201	%	%	NOUN
fsr-3932	106	202	$	$	SYM
fsr-3932	106	203	0	0	NUM
fsr-3932	106	204	0.1	0.1	NUM
fsr-3932	106	205	%	%	NOUN
fsr-3932	106	206	4127	4127	NUM
fsr-3932	106	207	0.0	0.0	NUM
fsr-3932	106	208	%	%	NOUN
fsr-3932	106	209	*	*	PUNCT
fsr-3932	106	210	$	$	SYM
fsr-3932	106	211	0	0	NUM
fsr-3932	106	212	0.7	0.7	NUM
fsr-3932	106	213	%	%	NOUN
fsr-3932	106	214	$	$	SYM
fsr-3932	106	215	434	434	NUM
fsr-3932	106	216	0.0	0.0	NUM
fsr-3932	106	217	%	%	NOUN
fsr-3932	106	218	*	*	PUNCT
fsr-3932	106	219	$	$	SYM
fsr-3932	106	220	0	0	NUM
fsr-3932	106	221	0.7	0.7	NUM
fsr-3932	106	222	%	%	NOUN
fsr-3932	106	223	$	$	SYM
fsr-3932	106	224	398	398	NUM
fsr-3932	106	225	0.0	0.0	NUM
fsr-3932	106	226	%	%	NOUN
fsr-3932	106	227	*	*	NOUN
fsr-3932	106	228	*	*	PUNCT
fsr-3932	106	229	$	$	SYM
fsr-3932	106	230	0	0	NUM
fsr-3932	106	231	*	*	SYM
fsr-3932	106	232	1.8	1.8	NUM
fsr-3932	106	233	%	%	NOUN
fsr-3932	106	234	$	$	SYM
fsr-3932	106	235	4,459	4,459	NUM
fsr-3932	106	236	stocks	stock	NOUN
fsr-3932	106	237	0.9	0.9	NUM
fsr-3932	106	238	%	%	NOUN
fsr-3932	106	239	*	*	PUNCT
fsr-3932	106	240	*	*	PUNCT
fsr-3932	106	241	*	*	PUNCT
fsr-3932	106	242	$	$	SYM
fsr-3932	106	243	175	175	NUM
fsr-3932	106	244	*	*	SYM
fsr-3932	106	245	9.0	9.0	NUM
fsr-3932	106	246	%	%	NOUN
fsr-3932	106	247	$	$	SYM
fsr-3932	106	248	4,503	4,503	NUM
fsr-3932	106	249	11.8	11.8	NUM
fsr-3932	106	250	%	%	NOUN
fsr-3932	106	251	$	$	SYM
fsr-3932	106	252	1,160	1,160	NUM
fsr-3932	106	253	*	*	PUNCT
fsr-3932	106	254	*	*	PUNCT
fsr-3932	106	255	*	*	PUNCT
fsr-3932	106	256	19.3	19.3	NUM
fsr-3932	106	257	%	%	NOUN
fsr-3932	106	258	$	$	SYM
fsr-3932	106	259	9,009	9,009	NUM
fsr-3932	106	260	14.2	14.2	NUM
fsr-3932	106	261	%	%	NOUN
fsr-3932	106	262	*	*	PUNCT
fsr-3932	106	263	*	*	PUNCT
fsr-3932	106	264	*	*	PUNCT
fsr-3932	106	265	$	$	SYM
fsr-3932	106	266	6,893	6,893	NUM
fsr-3932	106	267	*	*	PUNCT
fsr-3932	106	268	*	*	PUNCT
fsr-3932	106	269	29.3	29.3	NUM
fsr-3932	106	270	%	%	NOUN
fsr-3932	106	271	$	$	SYM
fsr-3932	106	272	22,259	22,259	NUM
fsr-3932	106	273	61.6	61.6	NUM
fsr-3932	106	274	%	%	NOUN
fsr-3932	106	275	$	$	SYM
fsr-3932	106	276	54,735	54,735	NUM
fsr-3932	106	277	*	*	PUNCT
fsr-3932	106	278	*	*	PUNCT
fsr-3932	106	279	*	*	PUNCT
fsr-3932	106	280	56.3	56.3	NUM
fsr-3932	106	281	%	%	NOUN
fsr-3932	106	282	$	$	SYM
fsr-3932	106	283	282,400	282,400	NUM
fsr-3932	106	284	retirement	retirement	NOUN
fsr-3932	106	285	accounts	account	NOUN
fsr-3932	106	286	(	(	PUNCT
fsr-3932	106	287	ira	ira	PROPN
fsr-3932	106	288	/	/	SYM
fsr-3932	106	289	keogh	keogh	PROPN
fsr-3932	106	290	)	)	PUNCT
fsr-3932	106	291	6.1	6.1	NUM
fsr-3932	106	292	%	%	NOUN
fsr-3932	106	293	*	*	PUNCT
fsr-3932	106	294	*	*	PUNCT
fsr-3932	106	295	*	*	PUNCT
fsr-3932	106	296	$	$	SYM
fsr-3932	106	297	682	682	NUM
fsr-3932	106	298	*	*	PUNCT
fsr-3932	106	299	*	*	PUNCT
fsr-3932	106	300	*	*	PUNCT
fsr-3932	106	301	18.2	18.2	NUM
fsr-3932	106	302	%	%	NOUN
fsr-3932	106	303	44,900	44,900	NUM
fsr-3932	106	304	26.3	26.3	NUM
fsr-3932	106	305	%	%	NOUN
fsr-3932	106	306	$	$	SYM
fsr-3932	106	307	3,817	3,817	NUM
fsr-3932	106	308	*	*	SYM
fsr-3932	106	309	29.1	29.1	NUM
fsr-3932	106	310	%	%	NOUN
fsr-3932	106	311	$	$	SYM
fsr-3932	106	312	7,985	7,985	NUM
fsr-3932	106	313	37.1	37.1	NUM
fsr-3932	106	314	%	%	NOUN
fsr-3932	106	315	$	$	SYM
fsr-3932	106	316	6,319	6,319	NUM
fsr-3932	106	317	*	*	PUNCT
fsr-3932	106	318	*	*	PUNCT
fsr-3932	106	319	*	*	PUNCT
fsr-3932	106	320	44.6	44.6	NUM
fsr-3932	106	321	%	%	NOUN
fsr-3932	106	322	$	$	SYM
fsr-3932	106	323	18,160	18,160	NUM
fsr-3932	106	324	37.9	37.9	NUM
fsr-3932	106	325	%	%	NOUN
fsr-3932	106	326	$	$	SYM
fsr-3932	106	327	9,665	9,665	NUM
fsr-3932	106	328	*	*	PUNCT
fsr-3932	106	329	*	*	PUNCT
fsr-3932	106	330	*	*	PUNCT
fsr-3932	106	331	67.8	67.8	NUM
fsr-3932	106	332	%	%	NOUN
fsr-3932	106	333	$	$	SYM
fsr-3932	106	334	103,649	103,649	NUM
fsr-3932	106	335	mutual	mutual	ADJ
fsr-3932	106	336	funds	fund	NOUN
fsr-3932	106	337	stock	stock	NOUN
fsr-3932	106	338	funds	fund	NOUN
fsr-3932	106	339	1.3	1.3	NUM
fsr-3932	106	340	%	%	NOUN
fsr-3932	106	341	*	*	PUNCT
fsr-3932	106	342	*	*	PUNCT
fsr-3932	106	343	*	*	PUNCT
fsr-3932	106	344	$	$	SYM
fsr-3932	106	345	46	46	NUM
fsr-3932	106	346	*	*	PUNCT
fsr-3932	106	347	*	*	PUNCT
fsr-3932	106	348	*	*	PUNCT
fsr-3932	106	349	8.1	8.1	NUM
fsr-3932	106	350	%	%	NOUN
fsr-3932	106	351	$	$	SYM
fsr-3932	106	352	2,395	2,395	NUM
fsr-3932	106	353	12.7	12.7	NUM
fsr-3932	106	354	%	%	NOUN
fsr-3932	106	355	$	$	SYM
fsr-3932	106	356	1,139	1,139	NUM
fsr-3932	106	357	*	*	SYM
fsr-3932	106	358	*	*	SYM
fsr-3932	106	359	12.3	12.3	NUM
fsr-3932	106	360	%	%	NOUN
fsr-3932	106	361	$	$	SYM
fsr-3932	106	362	3,824	3,824	NUM
fsr-3932	106	363	14.4	14.4	NUM
fsr-3932	106	364	%	%	NOUN
fsr-3932	106	365	*	*	PUNCT
fsr-3932	106	366	$	$	SYM
fsr-3932	106	367	2,111	2,111	NUM
fsr-3932	106	368	*	*	PUNCT
fsr-3932	106	369	*	*	PUNCT
fsr-3932	106	370	*	*	PUNCT
fsr-3932	106	371	23.7	23.7	NUM
fsr-3932	106	372	%	%	NOUN
fsr-3932	106	373	$	$	SYM
fsr-3932	106	374	13,899	13,899	NUM
fsr-3932	106	375	29.9	29.9	NUM
fsr-3932	106	376	%	%	NOUN
fsr-3932	106	377	$	$	SYM
fsr-3932	106	378	20,619	20,619	NUM
fsr-3932	106	379	*	*	PUNCT
fsr-3932	106	380	*	*	PUNCT
fsr-3932	106	381	*	*	PUNCT
fsr-3932	106	382	44.0	44.0	NUM
fsr-3932	106	383	%	%	NOUN
fsr-3932	106	384	$	$	SYM
fsr-3932	106	385	81,554	81,554	NUM
fsr-3932	106	386	government	government	NOUN
fsr-3932	106	387	bond	bond	NOUN
fsr-3932	106	388	funds	fund	NOUN
fsr-3932	106	389	0.0	0.0	NUM
fsr-3932	106	390	%	%	NOUN
fsr-3932	106	391	*	*	PUNCT
fsr-3932	106	392	$	$	SYM
fsr-3932	106	393	0	0	NUM
fsr-3932	106	394	*	*	SYM
fsr-3932	106	395	0.8	0.8	NUM
fsr-3932	106	396	%	%	NOUN
fsr-3932	106	397	$	$	SYM
fsr-3932	106	398	158	158	NUM
fsr-3932	106	399	3.0	3.0	NUM
fsr-3932	106	400	%	%	NOUN
fsr-3932	106	401	$	$	SYM
fsr-3932	106	402	87	87	NUM
fsr-3932	106	403	1.0	1.0	NUM
fsr-3932	106	404	%	%	NOUN
fsr-3932	106	405	$	$	SYM
fsr-3932	106	406	223	223	NUM
fsr-3932	106	407	0.0	0.0	NUM
fsr-3932	106	408	%	%	NOUN
fsr-3932	106	409	*	*	PUNCT
fsr-3932	106	410	*	*	PUNCT
fsr-3932	106	411	*	*	PUNCT
fsr-3932	106	412	$	$	SYM
fsr-3932	106	413	0	0	NUM
fsr-3932	106	414	*	*	SYM
fsr-3932	106	415	2.6	2.6	NUM
fsr-3932	106	416	%	%	NOUN
fsr-3932	106	417	$	$	SYM
fsr-3932	106	418	914	914	NUM
fsr-3932	106	419	0.0	0.0	NUM
fsr-3932	106	420	%	%	NOUN
fsr-3932	106	421	*	*	PUNCT
fsr-3932	106	422	*	*	PUNCT
fsr-3932	106	423	*	*	PUNCT
fsr-3932	106	424	$	$	SYM
fsr-3932	106	425	0	0	NUM
fsr-3932	106	426	*	*	PUNCT
fsr-3932	106	427	*	*	PUNCT
fsr-3932	106	428	*	*	PUNCT
fsr-3932	106	429	5.0	5.0	NUM
fsr-3932	106	430	%	%	NOUN
fsr-3932	106	431	$	$	SYM
fsr-3932	106	432	4,126	4,126	NUM
fsr-3932	106	433	municipal	municipal	ADJ
fsr-3932	106	434	bond	bond	NOUN
fsr-3932	106	435	funds	fund	NOUN
fsr-3932	106	436	0.0	0.0	NUM
fsr-3932	106	437	%	%	NOUN
fsr-3932	106	438	*	*	NOUN
fsr-3932	106	439	*	*	PUNCT
fsr-3932	106	440	$	$	SYM
fsr-3932	106	441	0	0	NUM
fsr-3932	106	442	2.2	2.2	NUM
fsr-3932	106	443	%	%	NOUN
fsr-3932	106	444	$	$	SYM
fsr-3932	106	445	1.378	1.378	NUM
fsr-3932	106	446	2.9	2.9	NUM
fsr-3932	106	447	%	%	NOUN
fsr-3932	106	448	$	$	SYM
fsr-3932	106	449	330	330	NUM
fsr-3932	106	450	2.3	2.3	NUM
fsr-3932	106	451	%	%	NOUN
fsr-3932	106	452	$	$	SYM
fsr-3932	106	453	748	748	NUM
fsr-3932	106	454	1.5	1.5	NUM
fsr-3932	106	455	%	%	NOUN
fsr-3932	106	456	*	*	PUNCT
fsr-3932	106	457	$	$	SYM
fsr-3932	106	458	2,316	2,316	NUM
fsr-3932	106	459	5.9	5.9	NUM
fsr-3932	106	460	%	%	NOUN
fsr-3932	106	461	$	$	SYM
fsr-3932	106	462	1,990	1,990	NUM
fsr-3932	106	463	0.6	0.6	NUM
fsr-3932	106	464	%	%	NOUN
fsr-3932	106	465	*	*	PUNCT
fsr-3932	106	466	*	*	PUNCT
fsr-3932	106	467	*	*	PUNCT
fsr-3932	106	468	$	$	SYM
fsr-3932	106	469	30	30	NUM
fsr-3932	106	470	*	*	PUNCT
fsr-3932	106	471	*	*	PUNCT
fsr-3932	106	472	*	*	PUNCT
fsr-3932	106	473	12.0	12.0	NUM
fsr-3932	106	474	%	%	NOUN
fsr-3932	106	475	$	$	SYM
fsr-3932	106	476	17,760	17,760	NUM
fsr-3932	106	477	corporate	corporate	ADJ
fsr-3932	106	478	bond	bond	NOUN
fsr-3932	106	479	funds	fund	NOUN
fsr-3932	106	480	0.0	0.0	NUM
fsr-3932	106	481	%	%	NOUN
fsr-3932	106	482	*	*	PUNCT
fsr-3932	106	483	$	$	SYM
fsr-3932	106	484	0	0	NUM
fsr-3932	106	485	1.2	1.2	NUM
fsr-3932	106	486	%	%	NOUN
fsr-3932	106	487	$	$	SYM
fsr-3932	106	488	577777	577777	NUM
fsr-3932	106	489	0.0	0.0	NUM
fsr-3932	106	490	%	%	NOUN
fsr-3932	106	491	*	*	NOUN
fsr-3932	106	492	*	*	PUNCT
fsr-3932	106	493	$	$	SYM
fsr-3932	106	494	0	0	NUM
fsr-3932	106	495	1.2	1.2	NUM
fsr-3932	106	496	%	%	NOUN
fsr-3932	106	497	$	$	SYM
fsr-3932	106	498	359	359	NUM
fsr-3932	106	499	2.4	2.4	NUM
fsr-3932	106	500	%	%	NOUN
fsr-3932	106	501	$	$	SYM
fsr-3932	106	502	29	29	NUM
fsr-3932	106	503	*	*	SYM
fsr-3932	106	504	3.4	3.4	NUM
fsr-3932	106	505	%	%	NOUN
fsr-3932	106	506	$	$	SYM
fsr-3932	106	507	2,490	2,490	NUM
fsr-3932	106	508	0.0	0.0	NUM
fsr-3932	106	509	%	%	NOUN
fsr-3932	106	510	*	*	PUNCT
fsr-3932	106	511	*	*	PUNCT
fsr-3932	106	512	*	*	PUNCT
fsr-3932	106	513	$	$	SYM
fsr-3932	106	514	0	0	NUM
fsr-3932	106	515	*	*	NUM
fsr-3932	106	516	6.7	6.7	NUM
fsr-3932	106	517	%	%	NOUN
fsr-3932	106	518	$	$	SYM
fsr-3932	106	519	9,046	9,046	NUM
fsr-3932	106	520	combination	combination	NOUN
fsr-3932	106	521	funds	fund	NOUN
fsr-3932	106	522	0.0	0.0	NUM
fsr-3932	106	523	%	%	NOUN
fsr-3932	106	524	$	$	SYM
fsr-3932	106	525	0	0	NUM
fsr-3932	106	526	*	*	PUNCT
fsr-3932	106	527	*	*	PUNCT
fsr-3932	106	528	*	*	PUNCT
fsr-3932	106	529	1.9	1.9	NUM
fsr-3932	106	530	%	%	NOUN
fsr-3932	106	531	$	$	SYM
fsr-3932	106	532	761	761	NUM
fsr-3932	106	533	2.4	2.4	NUM
fsr-3932	106	534	%	%	NOUN
fsr-3932	106	535	$	$	SYM
fsr-3932	106	536	320	320	NUM
fsr-3932	106	537	2.0	2.0	NUM
fsr-3932	106	538	%	%	NOUN
fsr-3932	106	539	$	$	SYM
fsr-3932	106	540	645	645	NUM
fsr-3932	106	541	5.9	5.9	NUM
fsr-3932	106	542	%	%	NOUN
fsr-3932	106	543	$	$	SYM
fsr-3932	106	544	3,017	3,017	NUM
fsr-3932	106	545	2.7	2.7	NUM
fsr-3932	106	546	%	%	NOUN
fsr-3932	106	547	$	$	SYM
fsr-3932	106	548	1,389	1,389	NUM
fsr-3932	106	549	6.2	6.2	NUM
fsr-3932	106	550	%	%	NOUN
fsr-3932	106	551	$	$	SYM
fsr-3932	106	552	1,994	1,994	NUM
fsr-3932	106	553	7.4	7.4	NUM
fsr-3932	106	554	%	%	NOUN
fsr-3932	106	555	$	$	SYM
fsr-3932	106	556	6,706	6,706	NUM
fsr-3932	106	557	life	life	NOUN
fsr-3932	106	558	insurance	insurance	NOUN
fsr-3932	106	559	65.8	65.8	NUM
fsr-3932	106	560	%	%	NOUN
fsr-3932	106	561	*	*	PUNCT
fsr-3932	106	562	$	$	SYM
fsr-3932	106	563	24,199	24,199	NUM
fsr-3932	106	564	59.9	59.9	NUM
fsr-3932	106	565	%	%	NOUN
fsr-3932	106	566	$	$	SYM
fsr-3932	106	567	20,511	20,511	NUM
fsr-3932	106	568	83.4	83.4	NUM
fsr-3932	106	569	%	%	NOUN
fsr-3932	106	570	$	$	SYM
fsr-3932	106	571	65,446	65,446	NUM
fsr-3932	106	572	73.8	73.8	NUM
fsr-3932	106	573	%	%	NOUN
fsr-3932	106	574	$	$	SYM
fsr-3932	106	575	55,636	55,636	NUM
fsr-3932	106	576	90.8	90.8	NUM
fsr-3932	106	577	%	%	NOUN
fsr-3932	106	578	$	$	SYM
fsr-3932	106	579	124,238	124,238	NUM
fsr-3932	106	580	86.3	86.3	NUM
fsr-3932	106	581	%	%	NOUN
fsr-3932	106	582	$	$	SYM
fsr-3932	106	583	117,744	117,744	NUM
fsr-3932	106	584	90.7	90.7	NUM
fsr-3932	106	585	%	%	NOUN
fsr-3932	106	586	$	$	SYM
fsr-3932	106	587	413,460	413,460	NUM
fsr-3932	106	588	89.5	89.5	NUM
fsr-3932	106	589	%	%	NOUN
fsr-3932	106	590	$	$	SYM
fsr-3932	106	591	315,783	315,783	NUM
fsr-3932	106	592	brokerage	brokerage	NOUN
fsr-3932	106	593	accounts	account	NOUN
fsr-3932	106	594	0.9	0.9	NUM
fsr-3932	106	595	%	%	NOUN
fsr-3932	106	596	*	*	PUNCT
fsr-3932	106	597	*	*	PUNCT
fsr-3932	106	598	*	*	PUNCT
fsr-3932	106	599	$	$	SYM
fsr-3932	106	600	0	0	NUM
fsr-3932	106	601	8.4	8.4	NUM
fsr-3932	106	602	%	%	NOUN
fsr-3932	106	603	$	$	SYM
fsr-3932	106	604	0	0	NUM
fsr-3932	106	605	5.8	5.8	NUM
fsr-3932	106	606	%	%	NOUN
fsr-3932	106	607	*	*	PUNCT
fsr-3932	106	608	$	$	SYM
fsr-3932	106	609	0	0	NUM
fsr-3932	106	610	13.3	13.3	NUM
fsr-3932	106	611	%	%	NOUN
fsr-3932	106	612	$	$	SYM
fsr-3932	106	613	0	0	NUM
fsr-3932	106	614	11.2	11.2	NUM
fsr-3932	106	615	%	%	NOUN
fsr-3932	106	616	*	*	PUNCT
fsr-3932	106	617	*	*	PUNCT
fsr-3932	106	618	$	$	SYM
fsr-3932	106	619	0	0	NUM
fsr-3932	106	620	23.3	23.3	NUM
fsr-3932	106	621	%	%	NOUN
fsr-3932	106	622	$	$	SYM
fsr-3932	106	623	0	0	NUM
fsr-3932	106	624	47.9	47.9	NUM
fsr-3932	106	625	%	%	NOUN
fsr-3932	106	626	$	$	SYM
fsr-3932	106	627	0	0	NUM
fsr-3932	106	628	54.9	54.9	NUM
fsr-3932	106	629	%	%	NOUN
fsr-3932	106	630	$	$	SYM
fsr-3932	106	631	0	0	NUM
fsr-3932	106	632	trust	trust	NOUN
fsr-3932	106	633	accounts	account	NOUN
fsr-3932	106	634	and	and	CCONJ
fsr-3932	106	635	annuities	annuity	NOUN
fsr-3932	106	636	0.7	0.7	NUM
fsr-3932	106	637	%	%	NOUN
fsr-3932	106	638	*	*	PUNCT
fsr-3932	106	639	*	*	PUNCT
fsr-3932	106	640	*	*	PUNCT
fsr-3932	106	641	$	$	SYM
fsr-3932	106	642	820	820	NUM
fsr-3932	106	643	6.1	6.1	NUM
fsr-3932	106	644	%	%	NOUN
fsr-3932	106	645	$	$	SYM
fsr-3932	106	646	1,530	1,530	NUM
fsr-3932	106	647	3.2	3.2	NUM
fsr-3932	106	648	%	%	NOUN
fsr-3932	106	649	$	$	SYM
fsr-3932	106	650	2,056	2,056	NUM
fsr-3932	106	651	5.5	5.5	NUM
fsr-3932	106	652	%	%	NOUN
fsr-3932	106	653	$	$	SYM
fsr-3932	106	654	1,442	1,442	NUM
fsr-3932	106	655	4.5	4.5	NUM
fsr-3932	106	656	%	%	NOUN
fsr-3932	106	657	$	$	SYM
fsr-3932	106	658	482	482	NUM
fsr-3932	106	659	*	*	NOUN
fsr-3932	106	660	*	*	NOUN
fsr-3932	106	661	8.2	8.2	NUM
fsr-3932	106	662	%	%	NOUN
fsr-3932	106	663	$	$	SYM
fsr-3932	106	664	3,691	3,691	NUM
fsr-3932	106	665	7.8	7.8	NUM
fsr-3932	106	666	%	%	NOUN
fsr-3932	106	667	$	$	SYM
fsr-3932	106	668	4,169	4,169	NUM
fsr-3932	106	669	13.6	13.6	NUM
fsr-3932	106	670	%	%	NOUN
fsr-3932	106	671	$	$	SYM
fsr-3932	106	672	14,879	14,879	NUM
fsr-3932	106	673	real	real	ADJ
fsr-3932	106	674	property	property	NOUN
fsr-3932	106	675	ownership	ownership	NOUN
fsr-3932	106	676	personal	personal	ADJ
fsr-3932	106	677	residence	residence	NOUN
fsr-3932	106	678	35.8	35.8	NUM
fsr-3932	106	679	%	%	NOUN
fsr-3932	106	680	*	*	NOUN
fsr-3932	106	681	*	*	PUNCT
fsr-3932	106	682	$	$	SYM
fsr-3932	106	683	60,735	60,735	NUM
fsr-3932	106	684	57.9	57.9	NUM
fsr-3932	106	685	%	%	NOUN
fsr-3932	106	686	$	$	SYM
fsr-3932	106	687	88,511	88,511	NUM
fsr-3932	106	688	59.7	59.7	NUM
fsr-3932	106	689	%	%	NOUN
fsr-3932	106	690	$	$	SYM
fsr-3932	106	691	92,515	92,515	NUM
fsr-3932	106	692	71.3	71.3	NUM
fsr-3932	106	693	%	%	NOUN
fsr-3932	106	694	$	$	SYM
fsr-3932	106	695	109,857	109,857	NUM
fsr-3932	106	696	66.8	66.8	NUM
fsr-3932	106	697	%	%	NOUN
fsr-3932	106	698	$	$	SYM
fsr-3932	106	699	115,339	115,339	NUM
fsr-3932	106	700	87.8	87.8	NUM
fsr-3932	106	701	%	%	NOUN
fsr-3932	106	702	$	$	SYM
fsr-3932	106	703	151,004	151,004	NUM
fsr-3932	106	704	80.3	80.3	NUM
fsr-3932	106	705	%	%	NOUN
fsr-3932	106	706	$	$	SYM
fsr-3932	106	707	238,449	238,449	NUM
fsr-3932	106	708	93.7	93.7	NUM
fsr-3932	106	709	%	%	NOUN
fsr-3932	106	710	$	$	SYM
fsr-3932	106	711	337,352	337,352	NUM
fsr-3932	106	712	indebtedness	indebtedness	NOUN
fsr-3932	106	713	on	on	ADP
fsr-3932	106	714	personal	personal	ADJ
fsr-3932	106	715	residence	residence	NOUN
fsr-3932	106	716	19.7	19.7	NUM
fsr-3932	106	717	%	%	NOUN
fsr-3932	106	718	$	$	SYM
fsr-3932	106	719	31,211	31,211	NUM
fsr-3932	106	720	21.2	21.2	NUM
fsr-3932	106	721	%	%	NOUN
fsr-3932	106	722	$	$	SYM
fsr-3932	106	723	45,070	45,070	NUM
fsr-3932	106	724	45.2	45.2	NUM
fsr-3932	106	725	%	%	NOUN
fsr-3932	106	726	$	$	SYM
fsr-3932	106	727	67,786	67,786	NUM
fsr-3932	106	728	44.2	44.2	NUM
fsr-3932	106	729	%	%	NOUN
fsr-3932	106	730	$	$	SYM
fsr-3932	106	731	52,596	52,596	NUM
fsr-3932	106	732	63.8	63.8	NUM
fsr-3932	106	733	%	%	NOUN
fsr-3932	106	734	$	$	SYM
fsr-3932	106	735	66,770	66,770	NUM
fsr-3932	106	736	71.5	71.5	NUM
fsr-3932	106	737	%	%	NOUN
fsr-3932	106	738	$	$	SYM
fsr-3932	106	739	80,210	80,210	NUM
fsr-3932	106	740	60.5	60.5	NUM
fsr-3932	106	741	%	%	NOUN
fsr-3932	106	742	$	$	SYM
fsr-3932	106	743	164,376	164,376	NUM
fsr-3932	106	744	70.7	70.7	NUM
fsr-3932	106	745	%	%	NOUN
fsr-3932	106	746	$	$	SYM
fsr-3932	106	747	164,959	164,959	NUM
fsr-3932	106	748	other	other	ADJ
fsr-3932	106	749	vacation	vacation	NOUN
fsr-3932	106	750	property	property	NOUN
fsr-3932	106	751	8.4	8.4	NUM
fsr-3932	106	752	%	%	NOUN
fsr-3932	106	753	$	$	SYM
fsr-3932	106	754	7,327	7,327	NUM
fsr-3932	106	755	11.5	11.5	NUM
fsr-3932	106	756	%	%	NOUN
fsr-3932	106	757	$	$	SYM
fsr-3932	106	758	12,767	12,767	NUM
fsr-3932	106	759	12.6	12.6	NUM
fsr-3932	106	760	%	%	NOUN
fsr-3932	106	761	$	$	SYM
fsr-3932	106	762	11,171	11,171	NUM
fsr-3932	106	763	17.4	17.4	NUM
fsr-3932	106	764	%	%	NOUN
fsr-3932	106	765	$	$	SYM
fsr-3932	106	766	12,167	12,167	NUM
fsr-3932	106	767	32.8	32.8	NUM
fsr-3932	106	768	%	%	NOUN
fsr-3932	106	769	$	$	SYM
fsr-3932	106	770	13,655	13,655	NUM
fsr-3932	106	771	25.9	25.9	NUM
fsr-3932	106	772	%	%	NOUN
fsr-3932	106	773	$	$	SYM
fsr-3932	106	774	13,378	13,378	NUM
fsr-3932	106	775	36.5	36.5	NUM
fsr-3932	106	776	%	%	NOUN
fsr-3932	106	777	$	$	SYM
fsr-3932	106	778	18,509	18,509	NUM
fsr-3932	106	779	46.4	46.4	NUM
fsr-3932	106	780	%	%	NOUN
fsr-3932	106	781	$	$	SYM
fsr-3932	106	782	19,826	19,826	NUM
fsr-3932	106	783	indebtedness	indebtedness	NOUN
fsr-3932	106	784	on	on	ADP
fsr-3932	106	785	other	other	ADJ
fsr-3932	106	786	vacation	vacation	NOUN
fsr-3932	106	787	property	property	NOUN
fsr-3932	106	788	2.0	2.0	NUM
fsr-3932	106	789	%	%	NOUN
fsr-3932	106	790	$	$	SYM
fsr-3932	106	791	37,919	37,919	NUM
fsr-3932	106	792	1.7	1.7	NUM
fsr-3932	106	793	%	%	NOUN
fsr-3932	106	794	$	$	SYM
fsr-3932	106	795	182,039	182,039	NUM
fsr-3932	106	796	3.7	3.7	NUM
fsr-3932	106	797	%	%	NOUN
fsr-3932	106	798	$	$	SYM
fsr-3932	106	799	20,499	20,499	NUM
fsr-3932	106	800	*	*	SYM
fsr-3932	106	801	5.2	5.2	NUM
fsr-3932	106	802	%	%	NOUN
fsr-3932	106	803	$	$	SYM
fsr-3932	106	804	52,618	52,618	NUM
fsr-3932	106	805	13.7	13.7	NUM
fsr-3932	106	806	%	%	NOUN
fsr-3932	106	807	$	$	SYM
fsr-3932	106	808	56,295	56,295	NUM
fsr-3932	106	809	9.3	9.3	NUM
fsr-3932	106	810	%	%	NOUN
fsr-3932	106	811	$	$	SYM
fsr-3932	106	812	93,890	93,890	NUM
fsr-3932	106	813	15.6	15.6	NUM
fsr-3932	106	814	%	%	NOUN
fsr-3932	106	815	$	$	SYM
fsr-3932	106	816	128,694	128,694	NUM
fsr-3932	106	817	21.4	21.4	NUM
fsr-3932	106	818	%	%	NOUN
fsr-3932	106	819	$	$	SYM
fsr-3932	106	820	223,360	223,360	NUM
fsr-3932	106	821	other	other	ADJ
fsr-3932	106	822	nonvacation	nonvacation	NOUN
fsr-3932	106	823	property	property	NOUN
fsr-3932	106	824	0.0	0.0	NUM
fsr-3932	106	825	%	%	NOUN
fsr-3932	106	826	$	$	SYM
fsr-3932	106	827	0	0	NUM
fsr-3932	106	828	0.2	0.2	NUM
fsr-3932	106	829	%	%	NOUN
fsr-3932	106	830	$	$	SYM
fsr-3932	106	831	2,491,560	2,491,560	NUM
fsr-3932	106	832	0.0	0.0	NUM
fsr-3932	106	833	%	%	NOUN
fsr-3932	106	834	$	$	SYM
fsr-3932	106	835	0	0	NUM
fsr-3932	106	836	0.4	0.4	NUM
fsr-3932	106	837	%	%	NOUN
fsr-3932	106	838	$	$	SYM
fsr-3932	106	839	63,302	63,302	NUM
fsr-3932	106	840	1.2	1.2	NUM
fsr-3932	106	841	%	%	NOUN
fsr-3932	106	842	$	$	SYM
fsr-3932	106	843	25,000	25,000	NUM
fsr-3932	106	844	*	*	SYM
fsr-3932	106	845	2.1	2.1	NUM
fsr-3932	106	846	%	%	NOUN
fsr-3932	106	847	$	$	SYM
fsr-3932	106	848	13,856	13,856	NUM
fsr-3932	106	849	2.2	2.2	NUM
fsr-3932	106	850	%	%	NOUN
fsr-3932	106	851	$	$	SYM
fsr-3932	106	852	25,000	25,000	NUM
fsr-3932	106	853	*	*	PUNCT
fsr-3932	106	854	*	*	PUNCT
fsr-3932	106	855	*	*	PUNCT
fsr-3932	106	856	4.4	4.4	NUM
fsr-3932	106	857	%	%	NOUN
fsr-3932	106	858	$	$	SYM
fsr-3932	106	859	640,681	640,681	NUM
fsr-3932	106	860	indebtedness	indebtedness	NOUN
fsr-3932	106	861	on	on	ADP
fsr-3932	106	862	other	other	ADJ
fsr-3932	106	863	property	property	NOUN
fsr-3932	106	864	0.0	0.0	NUM
fsr-3932	106	865	%	%	NOUN
fsr-3932	106	866	$	$	SYM
fsr-3932	106	867	0	0	NUM
fsr-3932	106	868	0.1	0.1	NUM
fsr-3932	106	869	%	%	NOUN
fsr-3932	106	870	$	$	SYM
fsr-3932	106	871	718,188	718,188	NUM
fsr-3932	106	872	0.0	0.0	NUM
fsr-3932	106	873	%	%	NOUN
fsr-3932	106	874	$	$	SYM
fsr-3932	106	875	0	0	NUM
fsr-3932	106	876	0.2	0.2	NUM
fsr-3932	106	877	%	%	NOUN
fsr-3932	106	878	$	$	SYM
fsr-3932	106	879	37,030	37,030	NUM
fsr-3932	106	880	0.0	0.0	NUM
fsr-3932	106	881	%	%	NOUN
fsr-3932	106	882	*	*	NOUN
fsr-3932	106	883	*	*	PUNCT
fsr-3932	106	884	$	$	SYM
fsr-3932	106	885	0	0	NUM
fsr-3932	106	886	1.0	1.0	NUM
fsr-3932	106	887	%	%	NOUN
fsr-3932	106	888	4136,181	4136,181	NUM
fsr-3932	106	889	2.2	2.2	NUM
fsr-3932	106	890	%	%	NOUN
fsr-3932	106	891	$	$	SYM
fsr-3932	106	892	23,000	23,000	NUM
fsr-3932	106	893	*	*	PUNCT
fsr-3932	106	894	*	*	PUNCT
fsr-3932	106	895	1.1	1.1	NUM
fsr-3932	106	896	%	%	NOUN
fsr-3932	106	897	$	$	SYM
fsr-3932	106	898	720,251	720,251	NUM
fsr-3932	106	899	note	note	NOUN
fsr-3932	106	900	:	:	PUNCT
fsr-3932	106	901	*	*	PUNCT
fsr-3932	106	902	*	*	PUNCT
fsr-3932	106	903	*	*	PUNCT
fsr-3932	106	904	denotes	denote	NOUN
fsr-3932	106	905	significance	significance	NOUN
fsr-3932	106	906	at	at	ADP
fsr-3932	106	907	the	the	DET
fsr-3932	106	908	0.001	0.001	NUM
fsr-3932	106	909	level	level	NOUN
fsr-3932	106	910	;	;	PUNCT
fsr-3932	106	911	*	*	PUNCT
fsr-3932	106	912	*	*	PUNCT
fsr-3932	106	913	denotes	denote	NOUN
fsr-3932	106	914	significance	significance	NOUN
fsr-3932	106	915	at	at	ADP
fsr-3932	106	916	the	the	DET
fsr-3932	106	917	0.01	0.01	NUM
fsr-3932	106	918	level	level	NOUN
fsr-3932	106	919	;	;	PUNCT
fsr-3932	106	920	*	*	PUNCT
fsr-3932	106	921	denotes	denote	NOUN
fsr-3932	106	922	significance	significance	NOUN
fsr-3932	106	923	at	at	ADP
fsr-3932	106	924	the	the	DET
fsr-3932	106	925	0.05	0.05	NUM
fsr-3932	106	926	level	level	NOUN
fsr-3932	106	927	.	.	PUNCT
fsr-3932	107	1	349	349	NUM
fsr-3932	107	2	d	d	NOUN
fsr-3932	107	3	.a	.a	NOUN
fsr-3932	107	4	.	.	PUNCT
fsr-3932	108	1	p	p	X
fsr-3932	108	2	lath	lath	NOUN
fsr-3932	108	3	,	,	PUNCT
fsr-3932	108	4	t	t	PROPN
fsr-3932	108	5	.h	.h	PROPN
fsr-3932	108	6	.	.	PUNCT
fsr-3932	109	1	stevenson	stevenson	PROPN
fsr-3932	109	2	/f	/f	PROPN
fsr-3932	109	3	inancial	inancial	PROPN
fsr-3932	109	4	services	service	NOUN
fsr-3932	109	5	r	r	NOUN
fsr-3932	109	6	eview	eview	NOUN
fsr-3932	109	7	94	94	NUM
fsr-3932	109	8	(	(	PUNCT
fsr-3932	109	9	2000	2000	NUM
fsr-3932	109	10	)	)	PUNCT
fsr-3932	109	11	343–359	343–359	NUM
fsr-3932	109	12	table	table	NOUN
fsr-3932	109	13	2	2	NUM
fsr-3932	109	14	family	family	NOUN
fsr-3932	109	15	asset	asset	NOUN
fsr-3932	109	16	holdings	holding	NOUN
fsr-3932	109	17	by	by	ADP
fsr-3932	109	18	age	age	NOUN
fsr-3932	109	19	and	and	CCONJ
fsr-3932	109	20	race	race	NOUN
fsr-3932	109	21	characteristics	characteristic	NOUN
fsr-3932	109	22	asset	asset	NOUN
fsr-3932	109	23	category	category	NOUN
fsr-3932	109	24	head	head	NOUN
fsr-3932	109	25	of	of	ADP
fsr-3932	109	26	household	household	NOUN
fsr-3932	109	27	age	age	NOUN
fsr-3932	109	28	35	35	NUM
fsr-3932	109	29	to	to	ADP
fsr-3932	109	30	44	44	NUM
fsr-3932	109	31	45	45	NUM
fsr-3932	109	32	to	to	PART
fsr-3932	109	33	54	54	NUM
fsr-3932	109	34	55	55	NUM
fsr-3932	109	35	to	to	ADP
fsr-3932	109	36	64	64	NUM
fsr-3932	109	37	65	65	NUM
fsr-3932	109	38	to	to	PART
fsr-3932	109	39	74	74	NUM
fsr-3932	109	40	race	race	NOUN
fsr-3932	109	41	race	race	NOUN
fsr-3932	109	42	race	race	NOUN
fsr-3932	109	43	race	race	NOUN
fsr-3932	109	44	black	black	ADJ
fsr-3932	109	45	n	n	CCONJ
fsr-3932	109	46	�	�	PROPN
fsr-3932	109	47	528	528	NUM
fsr-3932	109	48	white	white	ADJ
fsr-3932	109	49	n	n	CCONJ
fsr-3932	109	50	�	�	PROPN
fsr-3932	109	51	3698	3698	NUM
fsr-3932	109	52	black	black	ADJ
fsr-3932	109	53	n	n	X
fsr-3932	109	54	�	�	PROPN
fsr-3932	109	55	379	379	NUM
fsr-3932	109	56	white	white	ADJ
fsr-3932	109	57	n	n	PRON
fsr-3932	109	58	�	�	PROPN
fsr-3932	109	59	3,948	3,948	NUM
fsr-3932	109	60	black	black	ADJ
fsr-3932	109	61	n	n	CCONJ
fsr-3932	109	62	�	�	PROPN
fsr-3932	109	63	235	235	NUM
fsr-3932	109	64	white	white	PROPN
fsr-3932	109	65	n	n	X
fsr-3932	109	66	�	�	PROPN
fsr-3932	109	67	2,976	2,976	NUM
fsr-3932	109	68	black	black	ADJ
fsr-3932	109	69	n	n	X
fsr-3932	109	70	�	�	PROPN
fsr-3932	109	71	190	190	NUM
fsr-3932	109	72	white	white	PROPN
fsr-3932	109	73	n	n	PRON
fsr-3932	109	74	�	�	PROPN
fsr-3932	109	75	2,346	2,346	NUM
fsr-3932	109	76	proportion	proportion	NOUN
fsr-3932	109	77	mean	mean	NOUN
fsr-3932	109	78	proportion	proportion	NOUN
fsr-3932	109	79	mean	mean	NOUN
fsr-3932	109	80	proportion	proportion	NOUN
fsr-3932	109	81	mean	mean	NOUN
fsr-3932	109	82	proportion	proportion	NOUN
fsr-3932	109	83	mean	mean	NOUN
fsr-3932	109	84	proportion	proportion	NOUN
fsr-3932	109	85	mean	mean	NOUN
fsr-3932	109	86	proportion	proportion	NOUN
fsr-3932	109	87	mean	mean	NOUN
fsr-3932	109	88	proportion	proportion	NOUN
fsr-3932	109	89	mean	mean	NOUN
fsr-3932	109	90	proportion	proportion	NOUN
fsr-3932	109	91	mean	mean	VERB
fsr-3932	109	92	financial	financial	ADJ
fsr-3932	109	93	asset	asset	NOUN
fsr-3932	109	94	ownership	ownership	NOUN
fsr-3932	109	95	transaction	transaction	NOUN
fsr-3932	109	96	accounts	account	VERB
fsr-3932	109	97	65.0	65.0	NUM
fsr-3932	109	98	%	%	NOUN
fsr-3932	109	99	*	*	PUNCT
fsr-3932	109	100	*	*	PUNCT
fsr-3932	109	101	*	*	PUNCT
fsr-3932	109	102	$	$	SYM
fsr-3932	109	103	981	981	NUM
fsr-3932	109	104	*	*	PUNCT
fsr-3932	109	105	*	*	PUNCT
fsr-3932	109	106	*	*	PUNCT
fsr-3932	109	107	91.9	91.9	NUM
fsr-3932	109	108	%	%	NOUN
fsr-3932	109	109	$	$	SYM
fsr-3932	109	110	4,648	4,648	NUM
fsr-3932	109	111	69.0	69.0	NUM
fsr-3932	109	112	%	%	NOUN
fsr-3932	109	113	*	*	PUNCT
fsr-3932	109	114	*	*	PUNCT
fsr-3932	109	115	$	$	SYM
fsr-3932	109	116	4,460	4,460	NUM
fsr-3932	109	117	95.0	95.0	NUM
fsr-3932	109	118	%	%	NOUN
fsr-3932	109	119	$	$	SYM
fsr-3932	109	120	7,461	7,461	NUM
fsr-3932	109	121	75.8	75.8	NUM
fsr-3932	109	122	%	%	NOUN
fsr-3932	109	123	$	$	SYM
fsr-3932	109	124	4,279	4,279	NUM
fsr-3932	109	125	*	*	SYM
fsr-3932	109	126	94.5	94.5	NUM
fsr-3932	109	127	%	%	NOUN
fsr-3932	109	128	$	$	SYM
fsr-3932	109	129	11,657	11,657	NUM
fsr-3932	109	130	61.2	61.2	NUM
fsr-3932	109	131	%	%	NOUN
fsr-3932	109	132	*	*	PUNCT
fsr-3932	109	133	*	*	PUNCT
fsr-3932	109	134	*	*	PUNCT
fsr-3932	109	135	$	$	SYM
fsr-3932	109	136	2,064	2,064	NUM
fsr-3932	109	137	*	*	PUNCT
fsr-3932	109	138	*	*	PUNCT
fsr-3932	109	139	*	*	PUNCT
fsr-3932	109	140	97.0	97.0	NUM
fsr-3932	109	141	%	%	NOUN
fsr-3932	109	142	$	$	SYM
fsr-3932	109	143	9,607	9,607	NUM
fsr-3932	109	144	certificates	certificate	NOUN
fsr-3932	109	145	of	of	ADP
fsr-3932	109	146	deposit	deposit	NOUN
fsr-3932	109	147	8.0	8.0	NUM
fsr-3932	109	148	%	%	NOUN
fsr-3932	109	149	$	$	SYM
fsr-3932	109	150	470	470	NUM
fsr-3932	109	151	*	*	PUNCT
fsr-3932	109	152	*	*	PUNCT
fsr-3932	109	153	*	*	PUNCT
fsr-3932	109	154	9.9	9.9	NUM
fsr-3932	109	155	%	%	NOUN
fsr-3932	109	156	$	$	SYM
fsr-3932	109	157	1,177	1,177	NUM
fsr-3932	109	158	4.1	4.1	NUM
fsr-3932	109	159	%	%	NOUN
fsr-3932	109	160	*	*	PUNCT
fsr-3932	109	161	*	*	PUNCT
fsr-3932	109	162	*	*	PUNCT
fsr-3932	109	163	$	$	SYM
fsr-3932	109	164	214	214	NUM
fsr-3932	109	165	*	*	PUNCT
fsr-3932	109	166	*	*	PUNCT
fsr-3932	109	167	*	*	PUNCT
fsr-3932	109	168	13.7	13.7	NUM
fsr-3932	109	169	%	%	NOUN
fsr-3932	109	170	$	$	SYM
fsr-3932	109	171	5,416	5,416	NUM
fsr-3932	109	172	3.4	3.4	NUM
fsr-3932	109	173	%	%	NOUN
fsr-3932	109	174	*	*	PUNCT
fsr-3932	109	175	*	*	PUNCT
fsr-3932	109	176	*	*	PUNCT
fsr-3932	109	177	$	$	SYM
fsr-3932	109	178	309	309	NUM
fsr-3932	109	179	*	*	PUNCT
fsr-3932	109	180	*	*	PUNCT
fsr-3932	109	181	*	*	PUNCT
fsr-3932	109	182	21.4	21.4	NUM
fsr-3932	109	183	%	%	NOUN
fsr-3932	109	184	$	$	SYM
fsr-3932	109	185	9,163	9,163	NUM
fsr-3932	109	186	13.4	13.4	NUM
fsr-3932	109	187	%	%	NOUN
fsr-3932	109	188	*	*	PUNCT
fsr-3932	109	189	*	*	PUNCT
fsr-3932	109	190	*	*	PUNCT
fsr-3932	109	191	$	$	SYM
fsr-3932	109	192	1,280	1,280	NUM
fsr-3932	109	193	*	*	PUNCT
fsr-3932	109	194	*	*	PUNCT
fsr-3932	109	195	*	*	PUNCT
fsr-3932	109	196	33.1	33.1	NUM
fsr-3932	109	197	%	%	NOUN
fsr-3932	109	198	$	$	SYM
fsr-3932	109	199	14,845	14,845	NUM
fsr-3932	109	200	savings	saving	NOUN
fsr-3932	109	201	deposits	deposit	NOUN
fsr-3932	109	202	59.0	59.0	NUM
fsr-3932	109	203	%	%	NOUN
fsr-3932	109	204	$	$	SYM
fsr-3932	109	205	1,384	1,384	NUM
fsr-3932	109	206	*	*	PUNCT
fsr-3932	109	207	*	*	PUNCT
fsr-3932	109	208	*	*	PUNCT
fsr-3932	109	209	65.6	65.6	NUM
fsr-3932	109	210	%	%	NOUN
fsr-3932	109	211	$	$	SYM
fsr-3932	109	212	3,839	3,839	NUM
fsr-3932	109	213	44.0	44.0	NUM
fsr-3932	109	214	%	%	NOUN
fsr-3932	109	215	*	*	PUNCT
fsr-3932	109	216	*	*	PUNCT
fsr-3932	109	217	*	*	PUNCT
fsr-3932	109	218	$	$	SYM
fsr-3932	109	219	1,400	1,400	NUM
fsr-3932	109	220	*	*	PUNCT
fsr-3932	109	221	*	*	PUNCT
fsr-3932	109	222	*	*	PUNCT
fsr-3932	109	223	65.7	65.7	NUM
fsr-3932	109	224	%	%	NOUN
fsr-3932	109	225	$	$	SYM
fsr-3932	109	226	5,815	5,815	NUM
fsr-3932	109	227	58.8	58.8	NUM
fsr-3932	109	228	%	%	NOUN
fsr-3932	109	229	$	$	SYM
fsr-3932	109	230	2,287	2,287	NUM
fsr-3932	109	231	*	*	PUNCT
fsr-3932	109	232	*	*	PUNCT
fsr-3932	109	233	*	*	PUNCT
fsr-3932	109	234	56.3	56.3	NUM
fsr-3932	109	235	%	%	NOUN
fsr-3932	109	236	$	$	SYM
fsr-3932	109	237	6,299	6,299	NUM
fsr-3932	109	238	37.3	37.3	NUM
fsr-3932	109	239	%	%	NOUN
fsr-3932	109	240	$	$	SYM
fsr-3932	109	241	2,299	2,299	NUM
fsr-3932	109	242	*	*	PUNCT
fsr-3932	109	243	*	*	PUNCT
fsr-3932	109	244	51.3	51.3	NUM
fsr-3932	109	245	%	%	NOUN
fsr-3932	109	246	$	$	SYM
fsr-3932	109	247	8,099	8,099	NUM
fsr-3932	109	248	savings	saving	NOUN
fsr-3932	109	249	bonds	bond	NOUN
fsr-3932	109	250	12.9	12.9	NUM
fsr-3932	109	251	%	%	NOUN
fsr-3932	109	252	*	*	PUNCT
fsr-3932	110	1	*	*	PUNCT
fsr-3932	110	2	*	*	PUNCT
fsr-3932	110	3	$	$	SYM
fsr-3932	110	4	132	132	NUM
fsr-3932	110	5	*	*	PUNCT
fsr-3932	110	6	*	*	PUNCT
fsr-3932	110	7	*	*	PUNCT
fsr-3932	110	8	29.0	29.0	NUM
fsr-3932	110	9	%	%	NOUN
fsr-3932	110	10	$	$	SYM
fsr-3932	110	11	858	858	NUM
fsr-3932	110	12	6.7	6.7	NUM
fsr-3932	110	13	%	%	NOUN
fsr-3932	110	14	*	*	PUNCT
fsr-3932	110	15	*	*	PUNCT
fsr-3932	110	16	*	*	PUNCT
fsr-3932	110	17	$	$	SYM
fsr-3932	110	18	208	208	NUM
fsr-3932	110	19	*	*	PUNCT
fsr-3932	110	20	*	*	PUNCT
fsr-3932	110	21	*	*	PUNCT
fsr-3932	110	22	24.9	24.9	NUM
fsr-3932	110	23	%	%	NOUN
fsr-3932	110	24	$	$	SYM
fsr-3932	110	25	1,249	1,249	NUM
fsr-3932	110	26	9.1	9.1	NUM
fsr-3932	110	27	%	%	NOUN
fsr-3932	110	28	*	*	NOUN
fsr-3932	110	29	*	*	PUNCT
fsr-3932	110	30	$	$	SYM
fsr-3932	110	31	135	135	NUM
fsr-3932	110	32	*	*	PUNCT
fsr-3932	110	33	*	*	PUNCT
fsr-3932	110	34	*	*	PUNCT
fsr-3932	110	35	20.3	20.3	NUM
fsr-3932	110	36	%	%	NOUN
fsr-3932	110	37	$	$	SYM
fsr-3932	110	38	1,681	1,681	NUM
fsr-3932	110	39	6.1	6.1	NUM
fsr-3932	110	40	%	%	NOUN
fsr-3932	110	41	*	*	PUNCT
fsr-3932	110	42	*	*	PUNCT
fsr-3932	110	43	$	$	SYM
fsr-3932	110	44	423	423	NUM
fsr-3932	110	45	*	*	SYM
fsr-3932	110	46	18.0	18.0	NUM
fsr-3932	110	47	%	%	NOUN
fsr-3932	110	48	$	$	SYM
fsr-3932	110	49	1,105	1,105	NUM
fsr-3932	110	50	bonds	bond	NOUN
fsr-3932	110	51	:	:	PUNCT
fsr-3932	110	52	treasury	treasury	NOUN
fsr-3932	110	53	bonds	bond	NOUN
fsr-3932	110	54	0.0	0.0	NUM
fsr-3932	110	55	%	%	NOUN
fsr-3932	110	56	*	*	PUNCT
fsr-3932	110	57	$	$	SYM
fsr-3932	110	58	0	0	NUM
fsr-3932	110	59	1.0	1.0	NUM
fsr-3932	110	60	%	%	NOUN
fsr-3932	110	61	$	$	SYM
fsr-3932	110	62	957	957	NUM
fsr-3932	110	63	0.0	0.0	NUM
fsr-3932	110	64	%	%	NOUN
fsr-3932	110	65	*	*	NOUN
fsr-3932	110	66	*	*	PUNCT
fsr-3932	110	67	$	$	SYM
fsr-3932	110	68	88	88	NUM
fsr-3932	110	69	*	*	SYM
fsr-3932	110	70	1.2	1.2	NUM
fsr-3932	110	71	%	%	NOUN
fsr-3932	110	72	$	$	SYM
fsr-3932	110	73	1,832	1,832	NUM
fsr-3932	110	74	0.0	0.0	NUM
fsr-3932	110	75	%	%	NOUN
fsr-3932	110	76	*	*	NOUN
fsr-3932	110	77	*	*	PUNCT
fsr-3932	110	78	$	$	SYM
fsr-3932	110	79	0	0	NUM
fsr-3932	110	80	1.4	1.4	NUM
fsr-3932	110	81	%	%	NOUN
fsr-3932	110	82	$	$	SYM
fsr-3932	110	83	5,708	5,708	NUM
fsr-3932	110	84	0.0	0.0	NUM
fsr-3932	110	85	%	%	NOUN
fsr-3932	110	86	*	*	NOUN
fsr-3932	110	87	*	*	PUNCT
fsr-3932	110	88	$	$	SYM
fsr-3932	110	89	0	0	NUM
fsr-3932	110	90	*	*	PUNCT
fsr-3932	110	91	*	*	PUNCT
fsr-3932	110	92	*	*	PUNCT
fsr-3932	110	93	2.4	2.4	NUM
fsr-3932	110	94	%	%	NOUN
fsr-3932	110	95	$	$	SYM
fsr-3932	110	96	1,707	1,707	NUM
fsr-3932	110	97	municipal	municipal	ADJ
fsr-3932	110	98	bonds	bond	NOUN
fsr-3932	110	99	0.0	0.0	NUM
fsr-3932	110	100	%	%	NOUN
fsr-3932	110	101	*	*	PUNCT
fsr-3932	110	102	$	$	SYM
fsr-3932	110	103	0	0	NUM
fsr-3932	110	104	*	*	NOUN
fsr-3932	110	105	*	*	PUNCT
fsr-3932	110	106	0.6	0.6	NUM
fsr-3932	110	107	%	%	NOUN
fsr-3932	110	108	$	$	SYM
fsr-3932	110	109	1,028	1,028	NUM
fsr-3932	110	110	0.0	0.0	NUM
fsr-3932	110	111	%	%	NOUN
fsr-3932	110	112	*	*	PUNCT
fsr-3932	111	1	*	*	PUNCT
fsr-3932	111	2	*	*	PUNCT
fsr-3932	111	3	$	$	SYM
fsr-3932	111	4	346	346	NUM
fsr-3932	111	5	1.8	1.8	NUM
fsr-3932	111	6	%	%	NOUN
fsr-3932	111	7	$	$	SYM
fsr-3932	111	8	3,906	3,906	NUM
fsr-3932	111	9	0.0	0.0	NUM
fsr-3932	111	10	%	%	NOUN
fsr-3932	111	11	*	*	PUNCT
fsr-3932	111	12	*	*	PUNCT
fsr-3932	111	13	*	*	PUNCT
fsr-3932	111	14	$	$	SYM
fsr-3932	111	15	0	0	NUM
fsr-3932	111	16	*	*	PUNCT
fsr-3932	111	17	*	*	PUNCT
fsr-3932	111	18	*	*	PUNCT
fsr-3932	111	19	2.8	2.8	NUM
fsr-3932	111	20	%	%	NOUN
fsr-3932	111	21	$	$	SYM
fsr-3932	111	22	7,669	7,669	NUM
fsr-3932	111	23	0.0	0.0	NUM
fsr-3932	111	24	%	%	NOUN
fsr-3932	111	25	*	*	PUNCT
fsr-3932	111	26	*	*	PUNCT
fsr-3932	111	27	*	*	PUNCT
fsr-3932	111	28	$	$	SYM
fsr-3932	111	29	0	0	NUM
fsr-3932	111	30	*	*	PUNCT
fsr-3932	111	31	*	*	PUNCT
fsr-3932	111	32	5.7	5.7	NUM
fsr-3932	111	33	%	%	NOUN
fsr-3932	111	34	$	$	SYM
fsr-3932	111	35	10,326	10,326	NUM
fsr-3932	111	36	corporate	corporate	ADJ
fsr-3932	111	37	bonds	bond	NOUN
fsr-3932	111	38	0.0	0.0	NUM
fsr-3932	111	39	%	%	NOUN
fsr-3932	111	40	*	*	PUNCT
fsr-3932	111	41	$	$	SYM
fsr-3932	111	42	0	0	NUM
fsr-3932	111	43	0.6	0.6	NUM
fsr-3932	111	44	%	%	NOUN
fsr-3932	111	45	$	$	SYM
fsr-3932	111	46	400	400	NUM
fsr-3932	111	47	0.0	0.0	NUM
fsr-3932	111	48	%	%	NOUN
fsr-3932	111	49	*	*	NOUN
fsr-3932	111	50	*	*	PUNCT
fsr-3932	111	51	$	$	SYM
fsr-3932	111	52	0	0	NUM
fsr-3932	111	53	*	*	PUNCT
fsr-3932	111	54	*	*	PUNCT
fsr-3932	111	55	1.3	1.3	NUM
fsr-3932	111	56	%	%	NOUN
fsr-3932	111	57	$	$	SYM
fsr-3932	111	58	1,913	1,913	NUM
fsr-3932	111	59	0.0	0.0	NUM
fsr-3932	111	60	%	%	NOUN
fsr-3932	111	61	*	*	NOUN
fsr-3932	111	62	*	*	PUNCT
fsr-3932	111	63	$	$	SYM
fsr-3932	111	64	0	0	NUM
fsr-3932	111	65	0.9	0.9	NUM
fsr-3932	111	66	%	%	NOUN
fsr-3932	111	67	$	$	SYM
fsr-3932	111	68	834	834	NUM
fsr-3932	111	69	0.0	0.0	NUM
fsr-3932	111	70	%	%	NOUN
fsr-3932	111	71	*	*	PUNCT
fsr-3932	111	72	$	$	SYM
fsr-3932	111	73	0	0	NUM
fsr-3932	111	74	*	*	PUNCT
fsr-3932	111	75	*	*	PUNCT
fsr-3932	111	76	2.0	2.0	NUM
fsr-3932	111	77	%	%	NOUN
fsr-3932	111	78	$	$	SYM
fsr-3932	111	79	2,169	2,169	NUM
fsr-3932	111	80	mortgage	mortgage	NOUN
fsr-3932	111	81	-	-	PUNCT
fsr-3932	111	82	backed	back	VERB
fsr-3932	111	83	bonds	bond	NOUN
fsr-3932	111	84	0.0	0.0	NUM
fsr-3932	111	85	%	%	NOUN
fsr-3932	111	86	*	*	PUNCT
fsr-3932	111	87	$	$	SYM
fsr-3932	111	88	0	0	NUM
fsr-3932	111	89	*	*	SYM
fsr-3932	111	90	0.2	0.2	NUM
fsr-3932	111	91	%	%	NOUN
fsr-3932	111	92	$	$	SYM
fsr-3932	111	93	186	186	NUM
fsr-3932	111	94	0.0	0.0	NUM
fsr-3932	111	95	%	%	NOUN
fsr-3932	111	96	$	$	SYM
fsr-3932	111	97	0	0	NUM
fsr-3932	111	98	0.5	0.5	NUM
fsr-3932	111	99	%	%	NOUN
fsr-3932	111	100	$	$	SYM
fsr-3932	111	101	280	280	NUM
fsr-3932	111	102	0.0	0.0	NUM
fsr-3932	111	103	%	%	NOUN
fsr-3932	111	104	*	*	PUNCT
fsr-3932	111	105	$	$	SYM
fsr-3932	111	106	0	0	NUM
fsr-3932	111	107	0.9	0.9	NUM
fsr-3932	111	108	%	%	NOUN
fsr-3932	111	109	$	$	SYM
fsr-3932	111	110	1,398	1,398	NUM
fsr-3932	111	111	0.0	0.0	NUM
fsr-3932	111	112	%	%	NOUN
fsr-3932	111	113	*	*	NOUN
fsr-3932	111	114	*	*	PUNCT
fsr-3932	111	115	$	$	SYM
fsr-3932	111	116	0	0	NUM
fsr-3932	111	117	*	*	PUNCT
fsr-3932	111	118	*	*	PUNCT
fsr-3932	111	119	2.0	2.0	NUM
fsr-3932	111	120	%	%	NOUN
fsr-3932	111	121	$	$	SYM
fsr-3932	111	122	1,252	1,252	NUM
fsr-3932	111	123	stocks	stock	NOUN
fsr-3932	111	124	8.0	8.0	NUM
fsr-3932	111	125	%	%	NOUN
fsr-3932	111	126	*	*	PUNCT
fsr-3932	111	127	*	*	PUNCT
fsr-3932	111	128	*	*	PUNCT
fsr-3932	111	129	$	$	SYM
fsr-3932	111	130	1,404	1,404	NUM
fsr-3932	111	131	*	*	PUNCT
fsr-3932	111	132	*	*	PUNCT
fsr-3932	111	133	*	*	PUNCT
fsr-3932	111	134	21.8	21.8	NUM
fsr-3932	111	135	%	%	NOUN
fsr-3932	111	136	$	$	SYM
fsr-3932	111	137	20,048	20,048	NUM
fsr-3932	111	138	9.4	9.4	NUM
fsr-3932	111	139	%	%	NOUN
fsr-3932	111	140	*	*	PUNCT
fsr-3932	111	141	*	*	PUNCT
fsr-3932	111	142	*	*	PUNCT
fsr-3932	111	143	$	$	SYM
fsr-3932	111	144	8,655	8,655	NUM
fsr-3932	111	145	*	*	PUNCT
fsr-3932	111	146	*	*	PUNCT
fsr-3932	111	147	*	*	PUNCT
fsr-3932	111	148	25.6	25.6	NUM
fsr-3932	111	149	%	%	NOUN
fsr-3932	111	150	$	$	SYM
fsr-3932	111	151	33,985	33,985	NUM
fsr-3932	111	152	3.5	3.5	NUM
fsr-3932	111	153	%	%	NOUN
fsr-3932	111	154	*	*	PUNCT
fsr-3932	111	155	*	*	PUNCT
fsr-3932	111	156	*	*	PUNCT
fsr-3932	111	157	$	$	SYM
fsr-3932	111	158	3,751	3,751	NUM
fsr-3932	111	159	*	*	PUNCT
fsr-3932	111	160	*	*	PUNCT
fsr-3932	111	161	*	*	PUNCT
fsr-3932	111	162	29.2	29.2	NUM
fsr-3932	111	163	%	%	NOUN
fsr-3932	111	164	$	$	SYM
fsr-3932	111	165	83,278	83,278	NUM
fsr-3932	111	166	0.2	0.2	NUM
fsr-3932	111	167	%	%	NOUN
fsr-3932	111	168	*	*	PUNCT
fsr-3932	111	169	*	*	PUNCT
fsr-3932	111	170	*	*	PUNCT
fsr-3932	111	171	$	$	SYM
fsr-3932	111	172	46	46	NUM
fsr-3932	111	173	*	*	PUNCT
fsr-3932	111	174	*	*	PUNCT
fsr-3932	111	175	*	*	PUNCT
fsr-3932	111	176	24.1	24.1	NUM
fsr-3932	111	177	%	%	NOUN
fsr-3932	111	178	$	$	SYM
fsr-3932	111	179	71,196	71,196	NUM
fsr-3932	111	180	retirement	retirement	NOUN
fsr-3932	111	181	accounts	account	NOUN
fsr-3932	111	182	(	(	PUNCT
fsr-3932	111	183	ira	ira	PROPN
fsr-3932	111	184	/	/	SYM
fsr-3932	111	185	keogh	keogh	PROPN
fsr-3932	111	186	)	)	PUNCT
fsr-3932	111	187	24.4	24.4	NUM
fsr-3932	111	188	%	%	NOUN
fsr-3932	111	189	$	$	SYM
fsr-3932	111	190	3,309	3,309	NUM
fsr-3932	111	191	*	*	PUNCT
fsr-3932	111	192	*	*	PUNCT
fsr-3932	111	193	30.4	30.4	NUM
fsr-3932	111	194	%	%	NOUN
fsr-3932	111	195	$	$	SYM
fsr-3932	111	196	7,718	7,718	NUM
fsr-3932	111	197	12.0	12.0	NUM
fsr-3932	111	198	%	%	NOUN
fsr-3932	111	199	*	*	PUNCT
fsr-3932	111	200	*	*	PUNCT
fsr-3932	111	201	*	*	PUNCT
fsr-3932	111	202	$	$	SYM
fsr-3932	111	203	2,523	2,523	NUM
fsr-3932	111	204	*	*	PUNCT
fsr-3932	111	205	*	*	PUNCT
fsr-3932	111	206	*	*	PUNCT
fsr-3932	111	207	39.7	39.7	NUM
fsr-3932	111	208	%	%	NOUN
fsr-3932	111	209	$	$	SYM
fsr-3932	111	210	18,409	18,409	NUM
fsr-3932	111	211	29.3	29.3	NUM
fsr-3932	111	212	%	%	NOUN
fsr-3932	111	213	*	*	PUNCT
fsr-3932	111	214	$	$	SYM
fsr-3932	111	215	5,482	5,482	NUM
fsr-3932	111	216	*	*	PUNCT
fsr-3932	111	217	*	*	PUNCT
fsr-3932	111	218	*	*	PUNCT
fsr-3932	111	219	46.3	46.3	NUM
fsr-3932	111	220	%	%	NOUN
fsr-3932	111	221	$	$	SYM
fsr-3932	111	222	50,486	50,486	NUM
fsr-3932	111	223	9.0	9.0	NUM
fsr-3932	111	224	%	%	NOUN
fsr-3932	111	225	*	*	PUNCT
fsr-3932	111	226	*	*	PUNCT
fsr-3932	111	227	*	*	PUNCT
fsr-3932	111	228	$	$	SYM
fsr-3932	111	229	4,182	4,182	NUM
fsr-3932	111	230	*	*	PUNCT
fsr-3932	111	231	*	*	PUNCT
fsr-3932	111	232	*	*	PUNCT
fsr-3932	111	233	48.2	48.2	NUM
fsr-3932	111	234	%	%	NOUN
fsr-3932	111	235	$	$	SYM
fsr-3932	111	236	38,114	38,114	NUM
fsr-3932	111	237	mutual	mutual	ADJ
fsr-3932	111	238	funds	fund	NOUN
fsr-3932	111	239	stock	stock	NOUN
fsr-3932	111	240	funds	fund	NOUN
fsr-3932	111	241	12.1	12.1	NUM
fsr-3932	111	242	%	%	NOUN
fsr-3932	111	243	$	$	SYM
fsr-3932	111	244	2,179	2,179	NUM
fsr-3932	111	245	*	*	PUNCT
fsr-3932	111	246	*	*	PUNCT
fsr-3932	111	247	*	*	PUNCT
fsr-3932	111	248	15.7	15.7	NUM
fsr-3932	111	249	%	%	NOUN
fsr-3932	111	250	$	$	SYM
fsr-3932	111	251	10,888	10,888	NUM
fsr-3932	111	252	4.1	4.1	NUM
fsr-3932	111	253	%	%	NOUN
fsr-3932	111	254	*	*	PUNCT
fsr-3932	111	255	*	*	PUNCT
fsr-3932	111	256	*	*	PUNCT
fsr-3932	111	257	$	$	SYM
fsr-3932	111	258	2,115	2,115	NUM
fsr-3932	111	259	*	*	PUNCT
fsr-3932	111	260	*	*	PUNCT
fsr-3932	111	261	*	*	PUNCT
fsr-3932	111	262	24.3	24.3	NUM
fsr-3932	111	263	%	%	NOUN
fsr-3932	111	264	$	$	SYM
fsr-3932	111	265	19,364	19,364	NUM
fsr-3932	111	266	0.1	0.1	NUM
fsr-3932	111	267	%	%	NOUN
fsr-3932	111	268	*	*	PUNCT
fsr-3932	111	269	*	*	PUNCT
fsr-3932	111	270	*	*	PUNCT
fsr-3932	111	271	$	$	SYM
fsr-3932	111	272	25	25	NUM
fsr-3932	111	273	*	*	PUNCT
fsr-3932	111	274	*	*	PUNCT
fsr-3932	111	275	*	*	PUNCT
fsr-3932	111	276	16.4	16.4	NUM
fsr-3932	111	277	%	%	NOUN
fsr-3932	111	278	$	$	SYM
fsr-3932	111	279	22,683	22,683	NUM
fsr-3932	111	280	5.5	5.5	NUM
fsr-3932	111	281	%	%	NOUN
fsr-3932	111	282	*	*	PUNCT
fsr-3932	111	283	*	*	PUNCT
fsr-3932	111	284	$	$	SYM
fsr-3932	111	285	969	969	NUM
fsr-3932	111	286	*	*	PUNCT
fsr-3932	111	287	*	*	PUNCT
fsr-3932	111	288	*	*	PUNCT
fsr-3932	111	289	15.9	15.9	NUM
fsr-3932	111	290	%	%	NOUN
fsr-3932	111	291	$	$	SYM
fsr-3932	111	292	23,618	23,618	NUM
fsr-3932	111	293	government	government	NOUN
fsr-3932	111	294	bond	bond	NOUN
fsr-3932	111	295	funds	fund	NOUN
fsr-3932	111	296	1.2	1.2	NUM
fsr-3932	111	297	%	%	NOUN
fsr-3932	111	298	$	$	SYM
fsr-3932	111	299	74	74	NUM
fsr-3932	111	300	1.1	1.1	NUM
fsr-3932	111	301	%	%	NOUN
fsr-3932	111	302	$	$	SYM
fsr-3932	111	303	341	341	NUM
fsr-3932	111	304	0.0	0.0	NUM
fsr-3932	111	305	%	%	NOUN
fsr-3932	111	306	*	*	PUNCT
fsr-3932	111	307	*	*	PUNCT
fsr-3932	111	308	*	*	PUNCT
fsr-3932	111	309	$	$	SYM
fsr-3932	111	310	0	0	NUM
fsr-3932	111	311	*	*	NOUN
fsr-3932	111	312	*	*	PUNCT
fsr-3932	111	313	2.3	2.3	NUM
fsr-3932	111	314	%	%	NOUN
fsr-3932	111	315	$	$	SYM
fsr-3932	111	316	657	657	NUM
fsr-3932	111	317	0.0	0.0	NUM
fsr-3932	111	318	%	%	NOUN
fsr-3932	111	319	*	*	PUNCT
fsr-3932	111	320	*	*	PUNCT
fsr-3932	111	321	*	*	PUNCT
fsr-3932	111	322	$	$	SYM
fsr-3932	111	323	0	0	NUM
fsr-3932	111	324	*	*	SYM
fsr-3932	111	325	2.1	2.1	NUM
fsr-3932	111	326	%	%	NOUN
fsr-3932	111	327	$	$	SYM
fsr-3932	111	328	1,423	1,423	NUM
fsr-3932	111	329	0.0	0.0	NUM
fsr-3932	111	330	%	%	NOUN
fsr-3932	111	331	*	*	NOUN
fsr-3932	111	332	*	*	PUNCT
fsr-3932	111	333	$	$	SYM
fsr-3932	111	334	0	0	NUM
fsr-3932	111	335	*	*	NOUN
fsr-3932	111	336	*	*	PUNCT
fsr-3932	111	337	3.3	3.3	NUM
fsr-3932	111	338	%	%	NOUN
fsr-3932	111	339	$	$	SYM
fsr-3932	111	340	2,047	2,047	NUM
fsr-3932	111	341	municipal	municipal	ADJ
fsr-3932	111	342	bond	bond	NOUN
fsr-3932	111	343	funds	fund	NOUN
fsr-3932	111	344	1.8	1.8	NUM
fsr-3932	111	345	%	%	NOUN
fsr-3932	111	346	$	$	SYM
fsr-3932	111	347	1,561	1,561	NUM
fsr-3932	111	348	2.4	2.4	NUM
fsr-3932	111	349	%	%	NOUN
fsr-3932	111	350	$	$	SYM
fsr-3932	111	351	909	909	NUM
fsr-3932	111	352	0.0	0.0	NUM
fsr-3932	111	353	%	%	NOUN
fsr-3932	111	354	*	*	PUNCT
fsr-3932	111	355	*	*	PUNCT
fsr-3932	111	356	*	*	PUNCT
fsr-3932	111	357	$	$	SYM
fsr-3932	111	358	0	0	NUM
fsr-3932	111	359	*	*	SYM
fsr-3932	111	360	*	*	PUNCT
fsr-3932	111	361	4.2	4.2	NUM
fsr-3932	111	362	%	%	NOUN
fsr-3932	111	363	$	$	SYM
fsr-3932	111	364	2,719	2,719	NUM
fsr-3932	111	365	0.1	0.1	NUM
fsr-3932	111	366	%	%	NOUN
fsr-3932	111	367	*	*	PUNCT
fsr-3932	111	368	*	*	PUNCT
fsr-3932	111	369	*	*	PUNCT
fsr-3932	111	370	$	$	SYM
fsr-3932	111	371	5	5	NUM
fsr-3932	111	372	*	*	PUNCT
fsr-3932	111	373	*	*	NOUN
fsr-3932	111	374	4.7	4.7	NUM
fsr-3932	111	375	%	%	NOUN
fsr-3932	111	376	$	$	SYM
fsr-3932	111	377	4,589	4,589	NUM
fsr-3932	111	378	0.0	0.0	NUM
fsr-3932	111	379	%	%	NOUN
fsr-3932	111	380	*	*	PUNCT
fsr-3932	111	381	*	*	PUNCT
fsr-3932	111	382	*	*	PUNCT
fsr-3932	111	383	$	$	SYM
fsr-3932	111	384	0	0	NUM
fsr-3932	111	385	*	*	PUNCT
fsr-3932	111	386	*	*	PUNCT
fsr-3932	111	387	*	*	PUNCT
fsr-3932	111	388	7.3	7.3	NUM
fsr-3932	111	389	%	%	NOUN
fsr-3932	111	390	$	$	SYM
fsr-3932	111	391	7,115	7,115	NUM
fsr-3932	111	392	corporate	corporate	ADJ
fsr-3932	111	393	bond	bond	NOUN
fsr-3932	111	394	funds	fund	NOUN
fsr-3932	111	395	1.3	1.3	NUM
fsr-3932	111	396	%	%	NOUN
fsr-3932	111	397	$	$	SYM
fsr-3932	111	398	16	16	NUM
fsr-3932	111	399	2.2	2.2	NUM
fsr-3932	111	400	%	%	NOUN
fsr-3932	111	401	$	$	SYM
fsr-3932	111	402	1,135	1,135	NUM
fsr-3932	111	403	0.0	0.0	NUM
fsr-3932	111	404	%	%	NOUN
fsr-3932	111	405	*	*	PUNCT
fsr-3932	111	406	*	*	PUNCT
fsr-3932	111	407	*	*	PUNCT
fsr-3932	111	408	$	$	SYM
fsr-3932	111	409	0	0	NUM
fsr-3932	111	410	3.6	3.6	NUM
fsr-3932	111	411	%	%	NOUN
fsr-3932	111	412	$	$	SYM
fsr-3932	111	413	3,435	3,435	NUM
fsr-3932	111	414	0.0	0.0	NUM
fsr-3932	111	415	%	%	NOUN
fsr-3932	111	416	*	*	NOUN
fsr-3932	111	417	*	*	PUNCT
fsr-3932	111	418	$	$	SYM
fsr-3932	111	419	0	0	NUM
fsr-3932	111	420	*	*	SYM
fsr-3932	111	421	1.7	1.7	NUM
fsr-3932	111	422	%	%	NOUN
fsr-3932	111	423	$	$	SYM
fsr-3932	111	424	1,084	1,084	NUM
fsr-3932	111	425	0.0	0.0	NUM
fsr-3932	111	426	%	%	NOUN
fsr-3932	111	427	*	*	NOUN
fsr-3932	111	428	*	*	PUNCT
fsr-3932	111	429	$	$	SYM
fsr-3932	111	430	0	0	NUM
fsr-3932	111	431	*	*	SYM
fsr-3932	111	432	3.2	3.2	NUM
fsr-3932	111	433	%	%	NOUN
fsr-3932	111	434	$	$	SYM
fsr-3932	111	435	4,810	4,810	NUM
fsr-3932	111	436	combination	combination	NOUN
fsr-3932	111	437	funds	fund	NOUN
fsr-3932	111	438	2.5	2.5	NUM
fsr-3932	111	439	%	%	NOUN
fsr-3932	111	440	$	$	SYM
fsr-3932	111	441	698	698	NUM
fsr-3932	111	442	2.4	2.4	NUM
fsr-3932	111	443	%	%	NOUN
fsr-3932	111	444	$	$	SYM
fsr-3932	111	445	1,155	1,155	NUM
fsr-3932	111	446	0.0	0.0	NUM
fsr-3932	111	447	%	%	NOUN
fsr-3932	111	448	*	*	PUNCT
fsr-3932	111	449	*	*	PUNCT
fsr-3932	111	450	*	*	PUNCT
fsr-3932	111	451	$	$	SYM
fsr-3932	111	452	0	0	NUM
fsr-3932	111	453	*	*	NOUN
fsr-3932	111	454	*	*	PUNCT
fsr-3932	111	455	2.9	2.9	NUM
fsr-3932	111	456	%	%	NOUN
fsr-3932	111	457	$	$	SYM
fsr-3932	111	458	1,536	1,536	NUM
fsr-3932	111	459	0.0	0.0	NUM
fsr-3932	111	460	%	%	NOUN
fsr-3932	111	461	*	*	PUNCT
fsr-3932	111	462	*	*	PUNCT
fsr-3932	111	463	*	*	PUNCT
fsr-3932	111	464	$	$	SYM
fsr-3932	111	465	0	0	NUM
fsr-3932	111	466	*	*	SYM
fsr-3932	111	467	2.4	2.4	NUM
fsr-3932	111	468	%	%	NOUN
fsr-3932	111	469	$	$	SYM
fsr-3932	111	470	1,609	1,609	NUM
fsr-3932	111	471	4.6	4.6	NUM
fsr-3932	111	472	%	%	NOUN
fsr-3932	111	473	$	$	SYM
fsr-3932	111	474	3,650	3,650	NUM
fsr-3932	111	475	4.2	4.2	NUM
fsr-3932	111	476	%	%	NOUN
fsr-3932	111	477	$	$	SYM
fsr-3932	111	478	2,583	2,583	NUM
fsr-3932	111	479	life	life	NOUN
fsr-3932	111	480	insurance	insurance	NOUN
fsr-3932	111	481	67.5	67.5	NUM
fsr-3932	111	482	%	%	NOUN
fsr-3932	111	483	74,388	74,388	NUM
fsr-3932	111	484	*	*	PUNCT
fsr-3932	111	485	*	*	PUNCT
fsr-3932	111	486	*	*	PUNCT
fsr-3932	111	487	74.7	74.7	NUM
fsr-3932	111	488	%	%	NOUN
fsr-3932	111	489	$	$	SYM
fsr-3932	111	490	128,183	128,183	NUM
fsr-3932	111	491	65.6	65.6	NUM
fsr-3932	111	492	%	%	NOUN
fsr-3932	111	493	$	$	SYM
fsr-3932	111	494	38,767	38,767	NUM
fsr-3932	111	495	*	*	PUNCT
fsr-3932	111	496	*	*	PUNCT
fsr-3932	111	497	*	*	PUNCT
fsr-3932	111	498	75.7	75.7	NUM
fsr-3932	111	499	%	%	NOUN
fsr-3932	111	500	$	$	SYM
fsr-3932	111	501	128,395	128,395	NUM
fsr-3932	111	502	81.8	81.8	NUM
fsr-3932	111	503	%	%	NOUN
fsr-3932	111	504	$	$	SYM
fsr-3932	111	505	32,420	32,420	NUM
fsr-3932	111	506	*	*	PUNCT
fsr-3932	111	507	*	*	PUNCT
fsr-3932	111	508	79.6	79.6	NUM
fsr-3932	111	509	%	%	NOUN
fsr-3932	111	510	$	$	SYM
fsr-3932	111	511	66,342	66,342	NUM
fsr-3932	111	512	77.2	77.2	NUM
fsr-3932	111	513	%	%	NOUN
fsr-3932	111	514	$	$	SYM
fsr-3932	111	515	27,004	27,004	NUM
fsr-3932	111	516	75.8	75.8	NUM
fsr-3932	111	517	%	%	NOUN
fsr-3932	111	518	$	$	SYM
fsr-3932	111	519	19,893	19,893	NUM
fsr-3932	111	520	brokerage	brokerage	NOUN
fsr-3932	111	521	accounts	account	NOUN
fsr-3932	111	522	9.4	9.4	NUM
fsr-3932	111	523	%	%	NOUN
fsr-3932	111	524	*	*	PUNCT
fsr-3932	111	525	*	*	PUNCT
fsr-3932	111	526	*	*	PUNCT
fsr-3932	111	527	$	$	SYM
fsr-3932	111	528	0	0	NUM
fsr-3932	111	529	17.0	17.0	NUM
fsr-3932	111	530	%	%	NOUN
fsr-3932	111	531	$	$	SYM
fsr-3932	111	532	0	0	NUM
fsr-3932	111	533	4.8	4.8	NUM
fsr-3932	111	534	%	%	NOUN
fsr-3932	111	535	*	*	PUNCT
fsr-3932	111	536	*	*	PUNCT
fsr-3932	111	537	*	*	PUNCT
fsr-3932	111	538	$	$	SYM
fsr-3932	111	539	0	0	NUM
fsr-3932	111	540	23.1	23.1	NUM
fsr-3932	111	541	%	%	NOUN
fsr-3932	111	542	$	$	SYM
fsr-3932	111	543	0	0	NUM
fsr-3932	111	544	3.4	3.4	NUM
fsr-3932	111	545	%	%	NOUN
fsr-3932	111	546	*	*	PUNCT
fsr-3932	111	547	*	*	PUNCT
fsr-3932	111	548	*	*	PUNCT
fsr-3932	111	549	$	$	SYM
fsr-3932	111	550	0	0	NUM
fsr-3932	111	551	19.3	19.3	NUM
fsr-3932	111	552	%	%	NOUN
fsr-3932	111	553	$	$	SYM
fsr-3932	111	554	0	0	NUM
fsr-3932	111	555	0.2	0.2	NUM
fsr-3932	111	556	%	%	NOUN
fsr-3932	111	557	*	*	PUNCT
fsr-3932	111	558	*	*	PUNCT
fsr-3932	111	559	*	*	PUNCT
fsr-3932	111	560	$	$	SYM
fsr-3932	111	561	0	0	NUM
fsr-3932	111	562	23.8	23.8	NUM
fsr-3932	111	563	%	%	NOUN
fsr-3932	111	564	$	$	SYM
fsr-3932	111	565	0	0	NUM
fsr-3932	111	566	trust	trust	NOUN
fsr-3932	111	567	accounts	account	NOUN
fsr-3932	111	568	and	and	CCONJ
fsr-3932	111	569	annuities	annuity	NOUN
fsr-3932	111	570	1.5	1.5	NUM
fsr-3932	111	571	%	%	NOUN
fsr-3932	111	572	$	$	SYM
fsr-3932	111	573	1,467	1,467	NUM
fsr-3932	111	574	3.7	3.7	NUM
fsr-3932	111	575	%	%	NOUN
fsr-3932	111	576	$	$	SYM
fsr-3932	111	577	2,068	2,068	NUM
fsr-3932	111	578	4.7	4.7	NUM
fsr-3932	111	579	%	%	NOUN
fsr-3932	111	580	$	$	SYM
fsr-3932	111	581	1,108	1,108	NUM
fsr-3932	111	582	6.8	6.8	NUM
fsr-3932	111	583	%	%	NOUN
fsr-3932	111	584	$	$	SYM
fsr-3932	111	585	3,221	3,221	NUM
fsr-3932	111	586	0.1	0.1	NUM
fsr-3932	111	587	%	%	NOUN
fsr-3932	111	588	*	*	PUNCT
fsr-3932	111	589	*	*	PUNCT
fsr-3932	111	590	*	*	PUNCT
fsr-3932	111	591	$	$	SYM
fsr-3932	111	592	0	0	NUM
fsr-3932	111	593	*	*	SYM
fsr-3932	111	594	*	*	PUNCT
fsr-3932	111	595	6.4	6.4	NUM
fsr-3932	111	596	%	%	NOUN
fsr-3932	111	597	$	$	SYM
fsr-3932	111	598	6,888	6,888	NUM
fsr-3932	111	599	0.4	0.4	NUM
fsr-3932	111	600	%	%	NOUN
fsr-3932	111	601	*	*	PUNCT
fsr-3932	111	602	*	*	PUNCT
fsr-3932	111	603	*	*	PUNCT
fsr-3932	111	604	$	$	SYM
fsr-3932	111	605	44	44	NUM
fsr-3932	111	606	*	*	PUNCT
fsr-3932	111	607	*	*	PUNCT
fsr-3932	111	608	*	*	PUNCT
fsr-3932	111	609	15.0	15.0	NUM
fsr-3932	111	610	%	%	NOUN
fsr-3932	111	611	$	$	SYM
fsr-3932	111	612	6,373	6,373	NUM
fsr-3932	111	613	real	real	ADJ
fsr-3932	111	614	property	property	NOUN
fsr-3932	111	615	ownership	ownership	NOUN
fsr-3932	111	616	personal	personal	ADJ
fsr-3932	111	617	residence	residence	NOUN
fsr-3932	111	618	51.6	51.6	NUM
fsr-3932	111	619	%	%	NOUN
fsr-3932	111	620	*	*	PUNCT
fsr-3932	111	621	*	*	PUNCT
fsr-3932	111	622	*	*	PUNCT
fsr-3932	111	623	$	$	SYM
fsr-3932	111	624	87,323	87,323	NUM
fsr-3932	111	625	*	*	PUNCT
fsr-3932	111	626	*	*	PUNCT
fsr-3932	111	627	*	*	PUNCT
fsr-3932	111	628	72.1	72.1	NUM
fsr-3932	111	629	%	%	NOUN
fsr-3932	111	630	$	$	SYM
fsr-3932	111	631	144,338	144,338	NUM
fsr-3932	111	632	43.7	43.7	NUM
fsr-3932	111	633	%	%	NOUN
fsr-3932	111	634	*	*	PUNCT
fsr-3932	111	635	*	*	PUNCT
fsr-3932	111	636	*	*	PUNCT
fsr-3932	111	637	$	$	SYM
fsr-3932	111	638	101,891	101,891	NUM
fsr-3932	111	639	*	*	PUNCT
fsr-3932	111	640	*	*	PUNCT
fsr-3932	111	641	79.4	79.4	NUM
fsr-3932	111	642	%	%	NOUN
fsr-3932	111	643	$	$	SYM
fsr-3932	111	644	170,754	170,754	NUM
fsr-3932	111	645	61.6	61.6	NUM
fsr-3932	111	646	%	%	NOUN
fsr-3932	111	647	*	*	PUNCT
fsr-3932	111	648	$	$	SYM
fsr-3932	111	649	109,084	109,084	NUM
fsr-3932	111	650	*	*	SYM
fsr-3932	111	651	84.2	84.2	NUM
fsr-3932	111	652	%	%	NOUN
fsr-3932	111	653	$	$	SYM
fsr-3932	111	654	167,366	167,366	NUM
fsr-3932	111	655	61.6	61.6	NUM
fsr-3932	111	656	%	%	NOUN
fsr-3932	111	657	*	*	PUNCT
fsr-3932	111	658	$	$	SYM
fsr-3932	111	659	62,322	62,322	NUM
fsr-3932	111	660	*	*	PUNCT
fsr-3932	111	661	*	*	PUNCT
fsr-3932	111	662	*	*	PUNCT
fsr-3932	111	663	85.0	85.0	NUM
fsr-3932	111	664	%	%	NOUN
fsr-3932	111	665	$	$	SYM
fsr-3932	111	666	150,524	150,524	NUM
fsr-3932	111	667	indebtedness	indebtedness	NOUN
fsr-3932	111	668	on	on	ADP
fsr-3932	111	669	personal	personal	ADJ
fsr-3932	111	670	residence	residence	NOUN
fsr-3932	111	671	41.9	41.9	NUM
fsr-3932	111	672	%	%	NOUN
fsr-3932	111	673	*	*	PUNCT
fsr-3932	111	674	*	*	PUNCT
fsr-3932	111	675	*	*	PUNCT
fsr-3932	111	676	$	$	SYM
fsr-3932	111	677	69,532	69,532	NUM
fsr-3932	111	678	63.8	63.8	NUM
fsr-3932	111	679	%	%	NOUN
fsr-3932	111	680	$	$	SYM
fsr-3932	111	681	88,423	88,423	NUM
fsr-3932	111	682	30.6	30.6	NUM
fsr-3932	111	683	%	%	NOUN
fsr-3932	111	684	*	*	PUNCT
fsr-3932	111	685	*	*	PUNCT
fsr-3932	111	686	*	*	PUNCT
fsr-3932	111	687	$	$	SYM
fsr-3932	111	688	52,678	52,678	NUM
fsr-3932	111	689	*	*	PUNCT
fsr-3932	111	690	*	*	PROPN
fsr-3932	111	691	63.5	63.5	NUM
fsr-3932	111	692	%	%	NOUN
fsr-3932	111	693	$	$	SYM
fsr-3932	111	694	88,766	88,766	NUM
fsr-3932	111	695	39.1	39.1	NUM
fsr-3932	111	696	%	%	NOUN
fsr-3932	111	697	$	$	SYM
fsr-3932	111	698	67,528	67,528	NUM
fsr-3932	111	699	50.1	50.1	NUM
fsr-3932	111	700	%	%	NOUN
fsr-3932	111	701	$	$	SYM
fsr-3932	111	702	72,353	72,353	NUM
fsr-3932	111	703	20.3	20.3	NUM
fsr-3932	111	704	%	%	NOUN
fsr-3932	111	705	$	$	SYM
fsr-3932	111	706	40,532	40,532	NUM
fsr-3932	111	707	24.3	24.3	NUM
fsr-3932	111	708	%	%	NOUN
fsr-3932	111	709	$	$	SYM
fsr-3932	111	710	55,655	55,655	NUM
fsr-3932	111	711	other	other	ADJ
fsr-3932	111	712	vacation	vacation	NOUN
fsr-3932	111	713	property	property	NOUN
fsr-3932	111	714	13.5	13.5	NUM
fsr-3932	111	715	%	%	NOUN
fsr-3932	111	716	$	$	SYM
fsr-3932	111	717	9,324	9,324	NUM
fsr-3932	111	718	18.8	18.8	NUM
fsr-3932	111	719	%	%	NOUN
fsr-3932	111	720	$	$	SYM
fsr-3932	111	721	13,320	13,320	NUM
fsr-3932	111	722	12.7	12.7	NUM
fsr-3932	111	723	%	%	NOUN
fsr-3932	111	724	*	*	NOUN
fsr-3932	111	725	*	*	PUNCT
fsr-3932	111	726	$	$	SYM
fsr-3932	111	727	12,848	12,848	NUM
fsr-3932	111	728	26.4	26.4	NUM
fsr-3932	111	729	%	%	NOUN
fsr-3932	111	730	$	$	SYM
fsr-3932	111	731	15,563	15,563	NUM
fsr-3932	111	732	24.8	24.8	NUM
fsr-3932	111	733	%	%	NOUN
fsr-3932	111	734	$	$	SYM
fsr-3932	111	735	16,244	16,244	NUM
fsr-3932	111	736	24.4	24.4	NUM
fsr-3932	111	737	%	%	NOUN
fsr-3932	111	738	$	$	SYM
fsr-3932	111	739	16,619	16,619	NUM
fsr-3932	111	740	13.3	13.3	NUM
fsr-3932	111	741	%	%	NOUN
fsr-3932	111	742	*	*	PUNCT
fsr-3932	111	743	*	*	PUNCT
fsr-3932	111	744	*	*	PUNCT
fsr-3932	111	745	$	$	SYM
fsr-3932	111	746	7,067	7,067	NUM
fsr-3932	111	747	*	*	SYM
fsr-3932	111	748	29.3	29.3	NUM
fsr-3932	111	749	%	%	NOUN
fsr-3932	111	750	$	$	SYM
fsr-3932	111	751	14,585	14,585	NUM
fsr-3932	111	752	indebtedness	indebtedness	NOUN
fsr-3932	111	753	on	on	ADP
fsr-3932	111	754	other	other	ADJ
fsr-3932	111	755	vacation	vacation	NOUN
fsr-3932	111	756	property	property	NOUN
fsr-3932	111	757	4.5	4.5	NUM
fsr-3932	111	758	%	%	NOUN
fsr-3932	111	759	*	*	PUNCT
fsr-3932	111	760	$	$	SYM
fsr-3932	111	761	25,904	25,904	NUM
fsr-3932	111	762	*	*	PUNCT
fsr-3932	111	763	*	*	PUNCT
fsr-3932	111	764	*	*	PUNCT
fsr-3932	111	765	9.1	9.1	NUM
fsr-3932	111	766	%	%	NOUN
fsr-3932	111	767	$	$	SYM
fsr-3932	111	768	106,916	106,916	NUM
fsr-3932	111	769	2.3	2.3	NUM
fsr-3932	111	770	%	%	NOUN
fsr-3932	111	771	*	*	PUNCT
fsr-3932	111	772	*	*	PUNCT
fsr-3932	111	773	*	*	PUNCT
fsr-3932	111	774	$	$	SYM
fsr-3932	111	775	72,180	72,180	NUM
fsr-3932	111	776	9.8	9.8	NUM
fsr-3932	111	777	%	%	NOUN
fsr-3932	111	778	$	$	SYM
fsr-3932	111	779	115,733	115,733	NUM
fsr-3932	111	780	15.5	15.5	NUM
fsr-3932	111	781	%	%	NOUN
fsr-3932	111	782	$	$	SYM
fsr-3932	111	783	59,558	59,558	NUM
fsr-3932	111	784	*	*	SYM
fsr-3932	111	785	7.8	7.8	NUM
fsr-3932	111	786	%	%	NOUN
fsr-3932	111	787	$	$	SYM
fsr-3932	111	788	215,155	215,155	NUM
fsr-3932	111	789	0.6	0.6	NUM
fsr-3932	111	790	%	%	NOUN
fsr-3932	111	791	*	*	PUNCT
fsr-3932	111	792	*	*	PUNCT
fsr-3932	111	793	*	*	PUNCT
fsr-3932	111	794	$	$	SYM
fsr-3932	111	795	329,042	329,042	NUM
fsr-3932	111	796	5.9	5.9	NUM
fsr-3932	111	797	%	%	NOUN
fsr-3932	111	798	$	$	SYM
fsr-3932	111	799	155,829	155,829	NUM
fsr-3932	111	800	other	other	ADJ
fsr-3932	111	801	nonvacation	nonvacation	NOUN
fsr-3932	111	802	property	property	NOUN
fsr-3932	111	803	0.0	0.0	NUM
fsr-3932	111	804	%	%	NOUN
fsr-3932	111	805	*	*	PUNCT
fsr-3932	111	806	*	*	PUNCT
fsr-3932	111	807	*	*	PUNCT
fsr-3932	111	808	$	$	SYM
fsr-3932	111	809	0	0	NUM
fsr-3932	111	810	*	*	SYM
fsr-3932	111	811	0.7	0.7	NUM
fsr-3932	111	812	%	%	NOUN
fsr-3932	111	813	$	$	SYM
fsr-3932	111	814	190,024	190,024	NUM
fsr-3932	111	815	0.3	0.3	NUM
fsr-3932	111	816	%	%	NOUN
fsr-3932	111	817	*	*	PUNCT
fsr-3932	111	818	*	*	PUNCT
fsr-3932	111	819	$	$	SYM
fsr-3932	111	820	25,000	25,000	NUM
fsr-3932	111	821	*	*	SYM
fsr-3932	111	822	1.9	1.9	NUM
fsr-3932	111	823	%	%	NOUN
fsr-3932	111	824	$	$	SYM
fsr-3932	111	825	197,567	197,567	NUM
fsr-3932	111	826	1.4	1.4	NUM
fsr-3932	111	827	%	%	NOUN
fsr-3932	111	828	$	$	SYM
fsr-3932	111	829	25,000	25,000	NUM
fsr-3932	111	830	*	*	SYM
fsr-3932	111	831	1.9	1.9	NUM
fsr-3932	111	832	%	%	NOUN
fsr-3932	111	833	$	$	SYM
fsr-3932	111	834	974,283	974,283	NUM
fsr-3932	111	835	0.0	0.0	NUM
fsr-3932	111	836	%	%	NOUN
fsr-3932	111	837	*	*	PUNCT
fsr-3932	111	838	*	*	PUNCT
fsr-3932	111	839	*	*	PUNCT
fsr-3932	111	840	$	$	SYM
fsr-3932	111	841	0	0	NUM
fsr-3932	111	842	*	*	SYM
fsr-3932	111	843	1.8	1.8	NUM
fsr-3932	111	844	%	%	NOUN
fsr-3932	111	845	$	$	SYM
fsr-3932	111	846	394,334	394,334	NUM
fsr-3932	111	847	indebtedness	indebtedness	NOUN
fsr-3932	111	848	on	on	ADP
fsr-3932	111	849	other	other	ADJ
fsr-3932	111	850	property	property	NOUN
fsr-3932	111	851	0.0	0.0	NUM
fsr-3932	111	852	%	%	NOUN
fsr-3932	111	853	*	*	PUNCT
fsr-3932	111	854	$	$	SYM
fsr-3932	111	855	0	0	NUM
fsr-3932	111	856	0.5	0.5	NUM
fsr-3932	111	857	%	%	NOUN
fsr-3932	111	858	$	$	SYM
fsr-3932	111	859	115,106	115,106	NUM
fsr-3932	111	860	0.3	0.3	NUM
fsr-3932	111	861	%	%	NOUN
fsr-3932	111	862	$	$	SYM
fsr-3932	111	863	23,000	23,000	NUM
fsr-3932	111	864	0.&%	0.&%	NOUN
fsr-3932	111	865	$	$	SYM
fsr-3932	111	866	121,921	121,921	NUM
fsr-3932	111	867	0.0	0.0	NUM
fsr-3932	111	868	%	%	NOUN
fsr-3932	111	869	*	*	PUNCT
fsr-3932	111	870	$	$	SYM
fsr-3932	111	871	0	0	NUM
fsr-3932	111	872	*	*	SYM
fsr-3932	111	873	0.6	0.6	NUM
fsr-3932	111	874	%	%	NOUN
fsr-3932	111	875	$	$	SYM
fsr-3932	111	876	695,094	695,094	NUM
fsr-3932	111	877	0.0	0.0	NUM
fsr-3932	111	878	%	%	NOUN
fsr-3932	111	879	$	$	SYM
fsr-3932	111	880	0	0	NUM
fsr-3932	111	881	0.6	0.6	NUM
fsr-3932	111	882	%	%	NOUN
fsr-3932	111	883	$	$	SYM
fsr-3932	111	884	343,148	343,148	NUM
fsr-3932	111	885	note	note	NOUN
fsr-3932	111	886	:	:	PUNCT
fsr-3932	111	887	*	*	PUNCT
fsr-3932	111	888	*	*	PUNCT
fsr-3932	111	889	*	*	PUNCT
fsr-3932	111	890	denotes	denote	NOUN
fsr-3932	111	891	significance	significance	NOUN
fsr-3932	111	892	at	at	ADP
fsr-3932	111	893	the	the	DET
fsr-3932	111	894	0.001	0.001	NUM
fsr-3932	111	895	level	level	NOUN
fsr-3932	111	896	;	;	PUNCT
fsr-3932	111	897	*	*	PUNCT
fsr-3932	111	898	*	*	PUNCT
fsr-3932	111	899	denotes	denote	NOUN
fsr-3932	111	900	significance	significance	NOUN
fsr-3932	111	901	at	at	ADP
fsr-3932	111	902	the	the	DET
fsr-3932	111	903	0.01	0.01	NUM
fsr-3932	111	904	level	level	NOUN
fsr-3932	111	905	;	;	PUNCT
fsr-3932	111	906	*	*	PUNCT
fsr-3932	111	907	denotes	denote	NOUN
fsr-3932	111	908	significance	significance	NOUN
fsr-3932	111	909	at	at	ADP
fsr-3932	111	910	the	the	DET
fsr-3932	111	911	0.05	0.05	NUM
fsr-3932	111	912	level	level	NOUN
fsr-3932	111	913	.	.	PUNCT
fsr-3932	112	1	350	350	NUM
fsr-3932	112	2	d	d	NOUN
fsr-3932	112	3	.a	.a	NOUN
fsr-3932	112	4	.	.	PUNCT
fsr-3932	113	1	p	p	X
fsr-3932	113	2	lath	lath	NOUN
fsr-3932	113	3	,	,	PUNCT
fsr-3932	113	4	t	t	PROPN
fsr-3932	113	5	.h	.h	PROPN
fsr-3932	113	6	.	.	PUNCT
fsr-3932	114	1	stevenson	stevenson	PROPN
fsr-3932	114	2	/f	/f	PROPN
fsr-3932	114	3	inancial	inancial	PROPN
fsr-3932	114	4	services	service	NOUN
fsr-3932	114	5	r	r	NOUN
fsr-3932	114	6	eview	eview	NOUN
fsr-3932	114	7	94	94	NUM
fsr-3932	114	8	(	(	PUNCT
fsr-3932	114	9	2000	2000	NUM
fsr-3932	114	10	)	)	PUNCT
fsr-3932	114	11	343–359	343–359	NUM
fsr-3932	114	12	table	table	NOUN
fsr-3932	114	13	3	3	NUM
fsr-3932	114	14	family	family	NOUN
fsr-3932	114	15	asset	asset	NOUN
fsr-3932	114	16	holdings	holding	NOUN
fsr-3932	114	17	by	by	ADP
fsr-3932	114	18	educational	educational	ADJ
fsr-3932	114	19	attainment	attainment	ADJ
fsr-3932	114	20	and	and	CCONJ
fsr-3932	114	21	race	race	NOUN
fsr-3932	114	22	characteristics	characteristic	NOUN
fsr-3932	114	23	asset	asset	NOUN
fsr-3932	114	24	category	category	NOUN
fsr-3932	114	25	head	head	NOUN
fsr-3932	114	26	of	of	ADP
fsr-3932	114	27	household	household	NOUN
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fsr-3932	114	29	educational	educational	ADJ
fsr-3932	114	30	attainment	attainment	NOUN
fsr-3932	114	31	completed	complete	VERB
fsr-3932	114	32	9th	9th	NOUN
fsr-3932	114	33	through	through	ADP
fsr-3932	114	34	11th	11th	ADJ
fsr-3932	114	35	grade	grade	NOUN
fsr-3932	114	36	high	high	ADJ
fsr-3932	114	37	school	school	NOUN
fsr-3932	114	38	graduate	graduate	PROPN
fsr-3932	114	39	colege	colege	PROPN
fsr-3932	114	40	graduate	graduate	PROPN
fsr-3932	114	41	attended	attend	VERB
fsr-3932	114	42	or	or	CCONJ
fsr-3932	114	43	completed	complete	VERB
fsr-3932	114	44	graduate	graduate	ADJ
fsr-3932	114	45	school	school	NOUN
fsr-3932	114	46	race	race	NOUN
fsr-3932	114	47	race	race	NOUN
fsr-3932	114	48	race	race	NOUN
fsr-3932	114	49	race	race	NOUN
fsr-3932	114	50	black	black	ADJ
fsr-3932	114	51	n	n	CCONJ
fsr-3932	114	52	�	�	PROPN
fsr-3932	114	53	393	393	NUM
fsr-3932	114	54	white	white	ADJ
fsr-3932	114	55	n	n	X
fsr-3932	114	56	�	�	PROPN
fsr-3932	114	57	1,252tc;;2black	1,252tc;;2black	NUM
fsr-3932	114	58	n	n	PRON
fsr-3932	114	59	�	�	PROPN
fsr-3932	114	60	669	669	NUM
fsr-3932	114	61	white	white	ADJ
fsr-3932	114	62	n	n	X
fsr-3932	114	63	�	�	PROPN
fsr-3932	114	64	4,085	4,085	NUM
fsr-3932	114	65	black	black	ADJ
fsr-3932	114	66	n	n	X
fsr-3932	114	67	�	�	PROPN
fsr-3932	114	68	161	161	NUM
fsr-3932	114	69	white	white	ADJ
fsr-3932	114	70	n	n	X
fsr-3932	114	71	�	�	PROPN
fsr-3932	114	72	3,800	3,800	NUM
fsr-3932	114	73	black	black	ADJ
fsr-3932	114	74	n	n	X
fsr-3932	114	75	�	�	PROPN
fsr-3932	114	76	127	127	NUM
fsr-3932	114	77	white	white	PROPN
fsr-3932	114	78	n	n	PRON
fsr-3932	114	79	�	�	PROPN
fsr-3932	114	80	3,756	3,756	NUM
fsr-3932	114	81	proportion	proportion	NOUN
fsr-3932	114	82	mean	mean	NOUN
fsr-3932	114	83	proportion	proportion	NOUN
fsr-3932	114	84	mean	mean	NOUN
fsr-3932	114	85	proportion	proportion	NOUN
fsr-3932	114	86	mean	mean	NOUN
fsr-3932	114	87	proportion	proportion	NOUN
fsr-3932	114	88	mean	mean	NOUN
fsr-3932	114	89	proportion	proportion	NOUN
fsr-3932	114	90	mean	mean	NOUN
fsr-3932	114	91	proportion	proportion	NOUN
fsr-3932	114	92	mean	mean	NOUN
fsr-3932	114	93	proportion	proportion	NOUN
fsr-3932	114	94	mean	mean	NOUN
fsr-3932	114	95	proportion	proportion	NOUN
fsr-3932	114	96	mean	mean	VERB
fsr-3932	114	97	financial	financial	ADJ
fsr-3932	114	98	asset	asset	NOUN
fsr-3932	114	99	ownership	ownership	NOUN
fsr-3932	114	100	transaction	transaction	NOUN
fsr-3932	114	101	accounts	account	VERB
fsr-3932	114	102	29.8	29.8	NUM
fsr-3932	114	103	%	%	NOUN
fsr-3932	114	104	*	*	PUNCT
fsr-3932	115	1	*	*	PUNCT
fsr-3932	115	2	*	*	PUNCT
fsr-3932	115	3	$	$	SYM
fsr-3932	115	4	226	226	NUM
fsr-3932	115	5	*	*	PUNCT
fsr-3932	115	6	*	*	PUNCT
fsr-3932	115	7	*	*	PUNCT
fsr-3932	115	8	77.1	77.1	NUM
fsr-3932	115	9	%	%	NOUN
fsr-3932	115	10	$	$	SYM
fsr-3932	115	11	2,633	2,633	NUM
fsr-3932	115	12	65.7	65.7	NUM
fsr-3932	115	13	%	%	NOUN
fsr-3932	115	14	*	*	PUNCT
fsr-3932	115	15	*	*	PUNCT
fsr-3932	115	16	*	*	PUNCT
fsr-3932	115	17	$	$	SYM
fsr-3932	115	18	998	998	NUM
fsr-3932	115	19	*	*	PUNCT
fsr-3932	115	20	*	*	PUNCT
fsr-3932	115	21	*	*	PUNCT
fsr-3932	115	22	90.5	90.5	NUM
fsr-3932	115	23	%	%	NOUN
fsr-3932	115	24	$	$	SYM
fsr-3932	115	25	3,446	3,446	NUM
fsr-3932	115	26	84.7	84.7	NUM
fsr-3932	115	27	%	%	NOUN
fsr-3932	115	28	$	$	SYM
fsr-3932	115	29	2,848	2,848	NUM
fsr-3932	115	30	*	*	PUNCT
fsr-3932	115	31	*	*	PUNCT
fsr-3932	115	32	98.4	98.4	NUM
fsr-3932	115	33	%	%	NOUN
fsr-3932	115	34	$	$	SYM
fsr-3932	115	35	6,977	6,977	NUM
fsr-3932	115	36	96.5	96.5	NUM
fsr-3932	115	37	%	%	NOUN
fsr-3932	115	38	$	$	SYM
fsr-3932	115	39	2,297	2,297	NUM
fsr-3932	115	40	*	*	PUNCT
fsr-3932	115	41	*	*	PUNCT
fsr-3932	115	42	*	*	PUNCT
fsr-3932	115	43	99.4	99.4	NUM
fsr-3932	115	44	%	%	NOUN
fsr-3932	115	45	$	$	SYM
fsr-3932	115	46	10,680	10,680	NUM
fsr-3932	115	47	certificates	certificate	NOUN
fsr-3932	115	48	of	of	ADP
fsr-3932	115	49	deposit	deposit	NOUN
fsr-3932	115	50	4.0	4.0	NUM
fsr-3932	115	51	%	%	NOUN
fsr-3932	115	52	*	*	PUNCT
fsr-3932	115	53	*	*	PUNCT
fsr-3932	115	54	*	*	PUNCT
fsr-3932	115	55	$	$	SYM
fsr-3932	115	56	186	186	NUM
fsr-3932	115	57	*	*	PUNCT
fsr-3932	115	58	*	*	PUNCT
fsr-3932	115	59	*	*	PUNCT
fsr-3932	115	60	15.6	15.6	NUM
fsr-3932	115	61	%	%	NOUN
fsr-3932	115	62	$	$	SYM
fsr-3932	115	63	3,970	3,970	NUM
fsr-3932	115	64	6.9	6.9	NUM
fsr-3932	115	65	%	%	NOUN
fsr-3932	115	66	*	*	PUNCT
fsr-3932	115	67	*	*	PUNCT
fsr-3932	115	68	*	*	PUNCT
fsr-3932	115	69	$	$	SYM
fsr-3932	115	70	394	394	NUM
fsr-3932	115	71	*	*	PUNCT
fsr-3932	115	72	*	*	PUNCT
fsr-3932	115	73	*	*	PUNCT
fsr-3932	115	74	19.1	19.1	NUM
fsr-3932	115	75	%	%	NOUN
fsr-3932	115	76	$	$	SYM
fsr-3932	115	77	7,030	7,030	NUM
fsr-3932	115	78	3.4	3.4	NUM
fsr-3932	115	79	%	%	NOUN
fsr-3932	115	80	*	*	PUNCT
fsr-3932	115	81	*	*	PUNCT
fsr-3932	115	82	*	*	PUNCT
fsr-3932	115	83	$	$	SYM
fsr-3932	115	84	50	50	NUM
fsr-3932	115	85	*	*	PUNCT
fsr-3932	115	86	*	*	PUNCT
fsr-3932	115	87	15.8	15.8	NUM
fsr-3932	115	88	%	%	NOUN
fsr-3932	115	89	$	$	SYM
fsr-3932	115	90	7,522	7,522	NUM
fsr-3932	115	91	8.4	8.4	NUM
fsr-3932	115	92	%	%	NOUN
fsr-3932	115	93	*	*	PUNCT
fsr-3932	115	94	*	*	PUNCT
fsr-3932	115	95	*	*	PUNCT
fsr-3932	115	96	$	$	SYM
fsr-3932	115	97	464	464	NUM
fsr-3932	115	98	*	*	PUNCT
fsr-3932	115	99	*	*	PUNCT
fsr-3932	116	1	*	*	PUNCT
fsr-3932	116	2	25.6	25.6	NUM
fsr-3932	116	3	%	%	NOUN
fsr-3932	116	4	$	$	SYM
fsr-3932	116	5	10,763	10,763	NUM
fsr-3932	116	6	savings	saving	NOUN
fsr-3932	116	7	deposits	deposit	NOUN
fsr-3932	116	8	30.3	30.3	NUM
fsr-3932	116	9	%	%	NOUN
fsr-3932	116	10	*	*	PUNCT
fsr-3932	116	11	$	$	SYM
fsr-3932	116	12	319	319	NUM
fsr-3932	116	13	*	*	PUNCT
fsr-3932	116	14	*	*	PUNCT
fsr-3932	116	15	*	*	PUNCT
fsr-3932	116	16	42.8	42.8	NUM
fsr-3932	116	17	%	%	NOUN
fsr-3932	116	18	$	$	SYM
fsr-3932	116	19	2,131	2,131	NUM
fsr-3932	116	20	48.7	48.7	NUM
fsr-3932	116	21	%	%	NOUN
fsr-3932	116	22	$	$	SYM
fsr-3932	116	23	1,592	1,592	NUM
fsr-3932	116	24	*	*	PUNCT
fsr-3932	116	25	*	*	PUNCT
fsr-3932	116	26	*	*	PUNCT
fsr-3932	116	27	58.7	58.7	NUM
fsr-3932	116	28	%	%	NOUN
fsr-3932	116	29	$	$	SYM
fsr-3932	116	30	4,188	4,188	NUM
fsr-3932	116	31	40.5	40.5	NUM
fsr-3932	116	32	%	%	NOUN
fsr-3932	116	33	$	$	SYM
fsr-3932	116	34	834	834	NUM
fsr-3932	116	35	*	*	PUNCT
fsr-3932	116	36	*	*	PUNCT
fsr-3932	116	37	*	*	PUNCT
fsr-3932	116	38	44.8	44.8	NUM
fsr-3932	116	39	%	%	NOUN
fsr-3932	116	40	$	$	SYM
fsr-3932	116	41	3,213	3,213	NUM
fsr-3932	116	42	59.5	59.5	NUM
fsr-3932	116	43	%	%	NOUN
fsr-3932	116	44	$	$	SYM
fsr-3932	116	45	1,591	1,591	NUM
fsr-3932	116	46	*	*	PUNCT
fsr-3932	116	47	*	*	PUNCT
fsr-3932	116	48	*	*	PUNCT
fsr-3932	116	49	43.1	43.1	NUM
fsr-3932	116	50	%	%	NOUN
fsr-3932	116	51	$	$	SYM
fsr-3932	116	52	5,308	5,308	NUM
fsr-3932	116	53	savings	saving	NOUN
fsr-3932	116	54	bonds	bond	NOUN
fsr-3932	116	55	3.3	3.3	NUM
fsr-3932	116	56	%	%	NOUN
fsr-3932	116	57	*	*	PUNCT
fsr-3932	116	58	*	*	PUNCT
fsr-3932	116	59	*	*	PUNCT
fsr-3932	116	60	$	$	SYM
fsr-3932	116	61	21	21	NUM
fsr-3932	116	62	11.8	11.8	NUM
fsr-3932	116	63	%	%	NOUN
fsr-3932	116	64	$	$	SYM
fsr-3932	116	65	604	604	NUM
fsr-3932	116	66	8.6	8.6	NUM
fsr-3932	116	67	%	%	NOUN
fsr-3932	116	68	*	*	PUNCT
fsr-3932	116	69	*	*	PUNCT
fsr-3932	116	70	*	*	PUNCT
fsr-3932	116	71	$	$	SYM
fsr-3932	116	72	131	131	NUM
fsr-3932	116	73	*	*	PUNCT
fsr-3932	116	74	*	*	PUNCT
fsr-3932	116	75	*	*	PUNCT
fsr-3932	116	76	20.8	20.8	NUM
fsr-3932	116	77	%	%	NOUN
fsr-3932	116	78	$	$	SYM
fsr-3932	116	79	825	825	NUM
fsr-3932	116	80	21.1	21.1	NUM
fsr-3932	116	81	%	%	NOUN
fsr-3932	116	82	$	$	SYM
fsr-3932	116	83	141	141	NUM
fsr-3932	116	84	*	*	PUNCT
fsr-3932	116	85	*	*	PUNCT
fsr-3932	116	86	*	*	PUNCT
fsr-3932	116	87	33.3	33.3	NUM
fsr-3932	116	88	%	%	NOUN
fsr-3932	116	89	$	$	SYM
fsr-3932	116	90	1,407	1,407	NUM
fsr-3932	116	91	33.0	33.0	NUM
fsr-3932	116	92	%	%	NOUN
fsr-3932	116	93	$	$	SYM
fsr-3932	116	94	1,001	1,001	NUM
fsr-3932	116	95	*	*	PUNCT
fsr-3932	116	96	*	*	PUNCT
fsr-3932	116	97	32.0	32.0	NUM
fsr-3932	116	98	%	%	NOUN
fsr-3932	116	99	$	$	SYM
fsr-3932	116	100	3,193	3,193	NUM
fsr-3932	116	101	bonds	bond	NOUN
fsr-3932	116	102	:	:	PUNCT
fsr-3932	116	103	treasury	treasury	NOUN
fsr-3932	116	104	bonds	bond	NOUN
fsr-3932	116	105	0.0	0.0	NUM
fsr-3932	116	106	%	%	NOUN
fsr-3932	116	107	$	$	SYM
fsr-3932	116	108	0	0	NUM
fsr-3932	116	109	0.1	0.1	NUM
fsr-3932	116	110	%	%	NOUN
fsr-3932	116	111	$	$	SYM
fsr-3932	116	112	154	154	NUM
fsr-3932	116	113	0.0	0.0	NUM
fsr-3932	116	114	%	%	NOUN
fsr-3932	116	115	$	$	SYM
fsr-3932	116	116	0	0	NUM
fsr-3932	116	117	0.2	0.2	NUM
fsr-3932	116	118	%	%	NOUN
fsr-3932	116	119	$	$	SYM
fsr-3932	116	120	280	280	NUM
fsr-3932	116	121	0.0	0.0	NUM
fsr-3932	116	122	%	%	NOUN
fsr-3932	116	123	*	*	PUNCT
fsr-3932	117	1	*	*	PUNCT
fsr-3932	117	2	*	*	PUNCT
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fsr-3932	117	4	0	0	NUM
fsr-3932	117	5	*	*	PUNCT
fsr-3932	117	6	*	*	PUNCT
fsr-3932	117	7	*	*	PUNCT
fsr-3932	117	8	2.0	2.0	NUM
fsr-3932	117	9	%	%	NOUN
fsr-3932	117	10	$	$	SYM
fsr-3932	117	11	2,220	2,220	NUM
fsr-3932	117	12	0.0	0.0	NUM
fsr-3932	117	13	%	%	NOUN
fsr-3932	117	14	*	*	PUNCT
fsr-3932	117	15	*	*	PUNCT
fsr-3932	117	16	*	*	PUNCT
fsr-3932	117	17	$	$	SYM
fsr-3932	117	18	0	0	NUM
fsr-3932	117	19	*	*	PUNCT
fsr-3932	117	20	*	*	PUNCT
fsr-3932	117	21	3.4	3.4	NUM
fsr-3932	117	22	%	%	NOUN
fsr-3932	117	23	$	$	SYM
fsr-3932	117	24	6,261	6,261	NUM
fsr-3932	117	25	municipal	municipal	ADJ
fsr-3932	117	26	bonds	bond	NOUN
fsr-3932	117	27	0.0	0.0	NUM
fsr-3932	117	28	%	%	NOUN
fsr-3932	117	29	$	$	SYM
fsr-3932	117	30	0	0	NUM
fsr-3932	117	31	0.9	0.9	NUM
fsr-3932	117	32	%	%	NOUN
fsr-3932	117	33	$	$	SYM
fsr-3932	117	34	1,280	1,280	NUM
fsr-3932	117	35	0.0	0.0	NUM
fsr-3932	117	36	%	%	NOUN
fsr-3932	117	37	*	*	NOUN
fsr-3932	117	38	*	*	PUNCT
fsr-3932	117	39	$	$	SYM
fsr-3932	117	40	0	0	NUM
fsr-3932	117	41	0.6	0.6	NUM
fsr-3932	117	42	%	%	NOUN
fsr-3932	117	43	$	$	SYM
fsr-3932	117	44	1,428	1,428	NUM
fsr-3932	117	45	0.0	0.0	NUM
fsr-3932	117	46	%	%	NOUN
fsr-3932	117	47	*	*	PUNCT
fsr-3932	117	48	*	*	PUNCT
fsr-3932	117	49	*	*	PUNCT
fsr-3932	117	50	$	$	SYM
fsr-3932	117	51	0	0	NUM
fsr-3932	117	52	*	*	PUNCT
fsr-3932	117	53	*	*	PUNCT
fsr-3932	117	54	*	*	PUNCT
fsr-3932	117	55	2.9	2.9	NUM
fsr-3932	117	56	%	%	NOUN
fsr-3932	117	57	$	$	SYM
fsr-3932	117	58	7,847	7,847	NUM
fsr-3932	117	59	0.0	0.0	NUM
fsr-3932	117	60	%	%	NOUN
fsr-3932	117	61	*	*	PUNCT
fsr-3932	117	62	*	*	PUNCT
fsr-3932	117	63	*	*	PUNCT
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fsr-3932	117	65	0	0	NUM
fsr-3932	117	66	*	*	PUNCT
fsr-3932	117	67	*	*	PUNCT
fsr-3932	117	68	*	*	PUNCT
fsr-3932	117	69	8.5	8.5	NUM
fsr-3932	117	70	%	%	NOUN
fsr-3932	117	71	$	$	SYM
fsr-3932	117	72	14,574	14,574	NUM
fsr-3932	117	73	corporate	corporate	ADJ
fsr-3932	117	74	bonds	bond	NOUN
fsr-3932	117	75	0.0	0.0	NUM
fsr-3932	117	76	%	%	NOUN
fsr-3932	117	77	*	*	PUNCT
fsr-3932	117	78	$	$	SYM
fsr-3932	117	79	0	0	NUM
fsr-3932	117	80	0.8	0.8	NUM
fsr-3932	117	81	%	%	NOUN
fsr-3932	118	1	$	$	SYM
fsr-3932	118	2	944	944	NUM
fsr-3932	118	3	0.0	0.0	NUM
fsr-3932	118	4	%	%	NOUN
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fsr-3932	118	7	0	0	NUM
fsr-3932	118	8	0.7	0.7	NUM
fsr-3932	118	9	%	%	NOUN
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fsr-3932	118	11	1,521	1,521	NUM
fsr-3932	118	12	0.0	0.0	NUM
fsr-3932	118	13	%	%	NOUN
fsr-3932	118	14	*	*	NOUN
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fsr-3932	118	17	0	0	NUM
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fsr-3932	118	19	0.8	0.8	NUM
fsr-3932	118	20	%	%	NOUN
fsr-3932	118	21	$	$	SYM
fsr-3932	118	22	1,646	1,646	NUM
fsr-3932	118	23	0.0	0.0	NUM
fsr-3932	118	24	%	%	NOUN
fsr-3932	118	25	*	*	PUNCT
fsr-3932	118	26	*	*	PUNCT
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fsr-3932	118	28	$	$	SYM
fsr-3932	118	29	0	0	NUM
fsr-3932	118	30	2.8	2.8	NUM
fsr-3932	118	31	%	%	NOUN
fsr-3932	118	32	$	$	SYM
fsr-3932	118	33	5,839	5,839	NUM
fsr-3932	118	34	mortgage	mortgage	NOUN
fsr-3932	118	35	-	-	PUNCT
fsr-3932	118	36	backed	back	VERB
fsr-3932	118	37	bonds	bond	NOUN
fsr-3932	118	38	0.0	0.0	NUM
fsr-3932	118	39	%	%	NOUN
fsr-3932	118	40	$	$	SYM
fsr-3932	118	41	0	0	NUM
fsr-3932	118	42	0.1	0.1	NUM
fsr-3932	118	43	%	%	NOUN
fsr-3932	118	44	$	$	SYM
fsr-3932	118	45	74	74	NUM
fsr-3932	118	46	0.0	0.0	NUM
fsr-3932	118	47	%	%	NOUN
fsr-3932	118	48	$	$	SYM
fsr-3932	118	49	0	0	NUM
fsr-3932	118	50	0.2	0.2	NUM
fsr-3932	118	51	%	%	NOUN
fsr-3932	118	52	$	$	SYM
fsr-3932	118	53	757	757	NUM
fsr-3932	118	54	0.0	0.0	NUM
fsr-3932	118	55	%	%	NOUN
fsr-3932	118	56	*	*	PUNCT
fsr-3932	118	57	$	$	SYM
fsr-3932	118	58	0	0	NUM
fsr-3932	118	59	0.6	0.6	NUM
fsr-3932	118	60	%	%	NOUN
fsr-3932	118	61	$	$	SYM
fsr-3932	118	62	603	603	NUM
fsr-3932	118	63	0.0	0.0	NUM
fsr-3932	118	64	%	%	NOUN
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fsr-3932	118	68	0	0	NUM
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fsr-3932	118	70	1.0	1.0	NUM
fsr-3932	118	71	%	%	NOUN
fsr-3932	118	72	$	$	SYM
fsr-3932	118	73	1,102	1,102	NUM
fsr-3932	118	74	stocks	stock	NOUN
fsr-3932	118	75	1.3	1.3	NUM
fsr-3932	118	76	%	%	NOUN
fsr-3932	118	77	*	*	PUNCT
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fsr-3932	118	81	3	3	NUM
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fsr-3932	118	83	*	*	PUNCT
fsr-3932	118	84	9.0	9.0	NUM
fsr-3932	118	85	%	%	NOUN
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fsr-3932	118	87	4,348	4,348	NUM
fsr-3932	118	88	4.7	4.7	NUM
fsr-3932	118	89	%	%	NOUN
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fsr-3932	118	92	*	*	PUNCT
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fsr-3932	118	94	1,086	1,086	NUM
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fsr-3932	118	98	15.5	15.5	NUM
fsr-3932	118	99	%	%	NOUN
fsr-3932	118	100	$	$	SYM
fsr-3932	118	101	18,783	18,783	NUM
fsr-3932	118	102	14.3	14.3	NUM
fsr-3932	118	103	%	%	NOUN
fsr-3932	118	104	*	*	PUNCT
fsr-3932	118	105	*	*	PUNCT
fsr-3932	118	106	$	$	SYM
fsr-3932	118	107	2,417	2,417	NUM
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fsr-3932	118	109	*	*	PUNCT
fsr-3932	118	110	*	*	PUNCT
fsr-3932	118	111	29.0	29.0	NUM
fsr-3932	118	112	)	)	PUNCT
fsr-3932	118	113	$	$	SYM
fsr-3932	118	114	28,720	28,720	NUM
fsr-3932	118	115	10.2	10.2	NUM
fsr-3932	118	116	%	%	NOUN
fsr-3932	118	117	*	*	PUNCT
fsr-3932	118	118	*	*	PUNCT
fsr-3932	118	119	*	*	PUNCT
fsr-3932	118	120	$	$	SYM
fsr-3932	118	121	446	446	NUM
fsr-3932	118	122	*	*	PUNCT
fsr-3932	118	123	*	*	PUNCT
fsr-3932	118	124	*	*	PUNCT
fsr-3932	118	125	36.2	36.2	NUM
fsr-3932	118	126	%	%	NOUN
fsr-3932	118	127	$	$	SYM
fsr-3932	118	128	56,709	56,709	NUM
fsr-3932	118	129	retirement	retirement	NOUN
fsr-3932	118	130	accounts	account	NOUN
fsr-3932	118	131	(	(	PUNCT
fsr-3932	118	132	ira	ira	PROPN
fsr-3932	118	133	/	/	SYM
fsr-3932	118	134	keogh	keogh	PROPN
fsr-3932	118	135	)	)	PUNCT
fsr-3932	118	136	3.4	3.4	NUM
fsr-3932	118	137	%	%	NOUN
fsr-3932	118	138	*	*	PUNCT
fsr-3932	118	139	*	*	PUNCT
fsr-3932	118	140	*	*	PUNCT
fsr-3932	118	141	$	$	SYM
fsr-3932	118	142	361	361	NUM
fsr-3932	118	143	*	*	PUNCT
fsr-3932	118	144	*	*	PUNCT
fsr-3932	118	145	*	*	PUNCT
fsr-3932	118	146	16.8	16.8	NUM
fsr-3932	118	147	%	%	NOUN
fsr-3932	118	148	$	$	SYM
fsr-3932	118	149	2,640	2,640	NUM
fsr-3932	118	150	7.4	7.4	NUM
fsr-3932	118	151	%	%	NOUN
fsr-3932	118	152	*	*	PUNCT
fsr-3932	118	153	*	*	PUNCT
fsr-3932	118	154	*	*	PUNCT
fsr-3932	118	155	$	$	SYM
fsr-3932	118	156	1,036	1,036	NUM
fsr-3932	118	157	*	*	PUNCT
fsr-3932	118	158	*	*	PUNCT
fsr-3932	118	159	*	*	PUNCT
fsr-3932	118	160	25.1	25.1	NUM
fsr-3932	118	161	%	%	NOUN
fsr-3932	118	162	$	$	SYM
fsr-3932	118	163	7,862	7,862	NUM
fsr-3932	118	164	7.3	7.3	NUM
fsr-3932	118	165	%	%	NOUN
fsr-3932	118	166	*	*	PUNCT
fsr-3932	118	167	*	*	PUNCT
fsr-3932	118	168	*	*	PUNCT
fsr-3932	118	169	$	$	SYM
fsr-3932	118	170	1,649	1,649	NUM
fsr-3932	118	171	*	*	PUNCT
fsr-3932	118	172	*	*	PUNCT
fsr-3932	118	173	*	*	PUNCT
fsr-3932	118	174	43.5	43.5	NUM
fsr-3932	118	175	%	%	NOUN
fsr-3932	118	176	$	$	SYM
fsr-3932	118	177	18,495	18,495	NUM
fsr-3932	118	178	19.0	19.0	NUM
fsr-3932	118	179	%	%	NOUN
fsr-3932	118	180	*	*	PUNCT
fsr-3932	118	181	*	*	PUNCT
fsr-3932	118	182	*	*	PUNCT
fsr-3932	118	183	$	$	SYM
fsr-3932	118	184	4,510	4,510	NUM
fsr-3932	118	185	*	*	PUNCT
fsr-3932	118	186	*	*	PUNCT
fsr-3932	118	187	*	*	PUNCT
fsr-3932	118	188	55.9	55.9	NUM
fsr-3932	118	189	%	%	NOUN
fsr-3932	118	190	$	$	SYM
fsr-3932	118	191	32,526	32,526	NUM
fsr-3932	118	192	mutual	mutual	ADJ
fsr-3932	118	193	funds	fund	NOUN
fsr-3932	118	194	stock	stock	NOUN
fsr-3932	118	195	funds	fund	NOUN
fsr-3932	118	196	1.1	1.1	NUM
fsr-3932	118	197	%	%	NOUN
fsr-3932	118	198	*	*	PUNCT
fsr-3932	118	199	$	$	SYM
fsr-3932	118	200	33	33	NUM
fsr-3932	118	201	*	*	SYM
fsr-3932	118	202	*	*	PROPN
fsr-3932	118	203	4.8	4.8	NUM
fsr-3932	118	204	%	%	NOUN
fsr-3932	118	205	$	$	SYM
fsr-3932	118	206	1,268	1,268	NUM
fsr-3932	118	207	6.8	6.8	NUM
fsr-3932	118	208	%	%	NOUN
fsr-3932	118	209	$	$	SYM
fsr-3932	118	210	368	368	NUM
fsr-3932	118	211	*	*	PUNCT
fsr-3932	118	212	*	*	PUNCT
fsr-3932	118	213	*	*	PUNCT
fsr-3932	118	214	9.7	9.7	NUM
fsr-3932	118	215	%	%	NOUN
fsr-3932	118	216	$	$	SYM
fsr-3932	118	217	6,315	6,315	NUM
fsr-3932	118	218	6.3	6.3	NUM
fsr-3932	118	219	%	%	NOUN
fsr-3932	118	220	*	*	PUNCT
fsr-3932	118	221	*	*	PUNCT
fsr-3932	118	222	*	*	PUNCT
fsr-3932	118	223	$	$	SYM
fsr-3932	118	224	461	461	NUM
fsr-3932	118	225	*	*	PUNCT
fsr-3932	118	226	*	*	PUNCT
fsr-3932	118	227	*	*	PUNCT
fsr-3932	118	228	20.7	20.7	NUM
fsr-3932	118	229	%	%	NOUN
fsr-3932	118	230	$	$	SYM
fsr-3932	118	231	12,010	12,010	NUM
fsr-3932	118	232	10.1	10.1	NUM
fsr-3932	118	233	%	%	NOUN
fsr-3932	118	234	*	*	PUNCT
fsr-3932	118	235	*	*	PUNCT
fsr-3932	118	236	$	$	SYM
fsr-3932	118	237	1,430	1,430	NUM
fsr-3932	118	238	*	*	PUNCT
fsr-3932	118	239	*	*	PUNCT
fsr-3932	118	240	*	*	PUNCT
fsr-3932	118	241	27.2	27.2	NUM
fsr-3932	118	242	%	%	NOUN
fsr-3932	118	243	$	$	SYM
fsr-3932	118	244	23,636	23,636	NUM
fsr-3932	118	245	government	government	NOUN
fsr-3932	118	246	bond	bond	NOUN
fsr-3932	118	247	funds	fund	NOUN
fsr-3932	118	248	0.0	0.0	NUM
fsr-3932	118	249	%	%	NOUN
fsr-3932	119	1	$	$	SYM
fsr-3932	119	2	0	0	NUM
fsr-3932	119	3	0.3	0.3	NUM
fsr-3932	119	4	%	%	NOUN
fsr-3932	119	5	$	$	SYM
fsr-3932	119	6	327	327	NUM
fsr-3932	119	7	0.0	0.0	NUM
fsr-3932	119	8	%	%	NOUN
fsr-3932	119	9	*	*	PUNCT
fsr-3932	119	10	*	*	PUNCT
fsr-3932	119	11	*	*	PUNCT
fsr-3932	119	12	$	$	SYM
fsr-3932	119	13	0	0	NUM
fsr-3932	119	14	0.9	0.9	NUM
fsr-3932	119	15	%	%	NOUN
fsr-3932	119	16	$	$	SYM
fsr-3932	119	17	98	98	NUM
fsr-3932	119	18	0.0	0.0	NUM
fsr-3932	119	19	%	%	NOUN
fsr-3932	119	20	*	*	PUNCT
fsr-3932	120	1	*	*	PUNCT
fsr-3932	120	2	*	*	PUNCT
fsr-3932	120	3	$	$	SYM
fsr-3932	120	4	0	0	NUM
fsr-3932	120	5	*	*	PUNCT
fsr-3932	120	6	*	*	PUNCT
fsr-3932	120	7	*	*	PUNCT
fsr-3932	120	8	4.4	4.4	NUM
fsr-3932	120	9	%	%	NOUN
fsr-3932	120	10	$	$	SYM
fsr-3932	120	11	1,108	1,108	NUM
fsr-3932	120	12	0.1	0.1	NUM
fsr-3932	120	13	%	%	NOUN
fsr-3932	120	14	*	*	PUNCT
fsr-3932	120	15	*	*	PUNCT
fsr-3932	120	16	*	*	PUNCT
fsr-3932	120	17	$	$	SYM
fsr-3932	120	18	304	304	NUM
fsr-3932	120	19	5.7	5.7	NUM
fsr-3932	120	20	%	%	NOUN
fsr-3932	120	21	$	$	SYM
fsr-3932	120	22	2,643	2,643	NUM
fsr-3932	120	23	municipal	municipal	ADJ
fsr-3932	120	24	bond	bond	NOUN
fsr-3932	120	25	funds	fund	NOUN
fsr-3932	120	26	0.0	0.0	NUM
fsr-3932	120	27	%	%	NOUN
fsr-3932	120	28	*	*	PUNCT
fsr-3932	120	29	$	$	SYM
fsr-3932	120	30	0	0	NUM
fsr-3932	120	31	*	*	SYM
fsr-3932	120	32	1.1	1.1	NUM
fsr-3932	120	33	%	%	NOUN
fsr-3932	120	34	$	$	SYM
fsr-3932	120	35	621	621	NUM
fsr-3932	120	36	1.4	1.4	NUM
fsr-3932	120	37	%	%	NOUN
fsr-3932	120	38	$	$	SYM
fsr-3932	120	39	24	24	NUM
fsr-3932	120	40	*	*	PUNCT
fsr-3932	120	41	*	*	PUNCT
fsr-3932	120	42	*	*	PUNCT
fsr-3932	120	43	2.7	2.7	NUM
fsr-3932	120	44	%	%	NOUN
fsr-3932	120	45	$	$	SYM
fsr-3932	120	46	1,938	1,938	NUM
fsr-3932	120	47	0.0	0.0	NUM
fsr-3932	120	48	%	%	NOUN
fsr-3932	120	49	*	*	PUNCT
fsr-3932	121	1	*	*	PUNCT
fsr-3932	121	2	*	*	PUNCT
fsr-3932	121	3	$	$	SYM
fsr-3932	121	4	0	0	NUM
fsr-3932	121	5	*	*	PUNCT
fsr-3932	121	6	*	*	PUNCT
fsr-3932	121	7	*	*	PUNCT
fsr-3932	121	8	6.5	6.5	NUM
fsr-3932	121	9	%	%	NOUN
fsr-3932	121	10	$	$	SYM
fsr-3932	121	11	4,002	4,002	NUM
fsr-3932	121	12	5.8	5.8	NUM
fsr-3932	121	13	%	%	NOUN
fsr-3932	121	14	$	$	SYM
fsr-3932	121	15	377	377	NUM
fsr-3932	121	16	*	*	SYM
fsr-3932	121	17	*	*	PROPN
fsr-3932	121	18	11.1	11.1	NUM
fsr-3932	121	19	%	%	NOUN
fsr-3932	121	20	$	$	SYM
fsr-3932	121	21	7,060	7,060	NUM
fsr-3932	121	22	corporate	corporate	ADJ
fsr-3932	121	23	bond	bond	NOUN
fsr-3932	121	24	funds	fund	NOUN
fsr-3932	121	25	0.0	0.0	NUM
fsr-3932	121	26	%	%	NOUN
fsr-3932	122	1	$	$	SYM
fsr-3932	122	2	0	0	NUM
fsr-3932	122	3	0.3	0.3	NUM
fsr-3932	122	4	%	%	NOUN
fsr-3932	122	5	$	$	SYM
fsr-3932	122	6	431	431	NUM
fsr-3932	122	7	0.0	0.0	NUM
fsr-3932	122	8	%	%	NOUN
fsr-3932	122	9	*	*	NOUN
fsr-3932	122	10	*	*	PUNCT
fsr-3932	122	11	$	$	SYM
fsr-3932	122	12	0	0	NUM
fsr-3932	122	13	1.3	1.3	NUM
fsr-3932	122	14	%	%	NOUN
fsr-3932	122	15	$	$	SYM
fsr-3932	122	16	696	696	NUM
fsr-3932	122	17	0.0	0.0	NUM
fsr-3932	122	18	%	%	NOUN
fsr-3932	122	19	*	*	PUNCT
fsr-3932	122	20	*	*	PUNCT
fsr-3932	122	21	*	*	PUNCT
fsr-3932	122	22	$	$	SYM
fsr-3932	122	23	0	0	NUM
fsr-3932	122	24	*	*	PUNCT
fsr-3932	122	25	*	*	PUNCT
fsr-3932	122	26	2.2	2.2	NUM
fsr-3932	122	27	%	%	NOUN
fsr-3932	122	28	$	$	SYM
fsr-3932	122	29	926	926	NUM
fsr-3932	122	30	p	p	X
fsr-3932	122	31	*	*	PUNCT
fsr-3932	122	32	*	*	PUNCT
fsr-3932	122	33	*	*	PUNCT
fsr-3932	122	34	$	$	SYM
fsr-3932	122	35	0	0	NUM
fsr-3932	122	36	4.9	4.9	NUM
fsr-3932	122	37	%	%	NOUN
fsr-3932	122	38	$	$	SYM
fsr-3932	122	39	4,911	4,911	NUM
fsr-3932	122	40	combination	combination	NOUN
fsr-3932	122	41	funds	fund	NOUN
fsr-3932	122	42	0.0	0.0	NUM
fsr-3932	122	43	%	%	NOUN
fsr-3932	123	1	$	$	SYM
fsr-3932	123	2	0	0	NUM
fsr-3932	123	3	0.7	0.7	NUM
fsr-3932	123	4	%	%	NOUN
fsr-3932	123	5	$	$	SYM
fsr-3932	123	6	407	407	NUM
fsr-3932	123	7	2.8	2.8	NUM
fsr-3932	123	8	%	%	NOUN
fsr-3932	123	9	$	$	SYM
fsr-3932	123	10	1,158	1,158	NUM
fsr-3932	123	11	1.8	1.8	NUM
fsr-3932	123	12	%	%	NOUN
fsr-3932	123	13	$	$	SYM
fsr-3932	123	14	989	989	NUM
fsr-3932	123	15	0.0	0.0	NUM
fsr-3932	123	16	%	%	NOUN
fsr-3932	123	17	*	*	PUNCT
fsr-3932	123	18	*	*	PUNCT
fsr-3932	123	19	*	*	PUNCT
fsr-3932	123	20	$	$	SYM
fsr-3932	123	21	0	0	NUM
fsr-3932	123	22	*	*	SYM
fsr-3932	123	23	4.8	4.8	NUM
fsr-3932	123	24	%	%	NOUN
fsr-3932	123	25	$	$	SYM
fsr-3932	123	26	3,518	3,518	NUM
fsr-3932	123	27	0.0	0.0	NUM
fsr-3932	123	28	%	%	NOUN
fsr-3932	123	29	*	*	PUNCT
fsr-3932	123	30	*	*	PUNCT
fsr-3932	123	31	*	*	PUNCT
fsr-3932	123	32	$	$	SYM
fsr-3932	123	33	0	0	NUM
fsr-3932	123	34	*	*	PUNCT
fsr-3932	123	35	*	*	PUNCT
fsr-3932	123	36	*	*	PUNCT
fsr-3932	123	37	6.9	6.9	NUM
fsr-3932	123	38	%	%	NOUN
fsr-3932	123	39	$	$	SYM
fsr-3932	123	40	4,388	4,388	NUM
fsr-3932	123	41	life	life	NOUN
fsr-3932	123	42	insurance	insurance	NOUN
fsr-3932	123	43	60.3	60.3	NUM
fsr-3932	123	44	%	%	NOUN
fsr-3932	123	45	$	$	SYM
fsr-3932	123	46	9,454	9,454	NUM
fsr-3932	123	47	*	*	PUNCT
fsr-3932	123	48	62.0	62.0	NUM
fsr-3932	123	49	*	*	SYM
fsr-3932	123	50	$	$	SYM
fsr-3932	123	51	34,364	34,364	NUM
fsr-3932	123	52	69.2	69.2	NUM
fsr-3932	123	53	%	%	NOUN
fsr-3932	123	54	$	$	SYM
fsr-3932	123	55	41,252	41,252	NUM
fsr-3932	123	56	70.1	70.1	NUM
fsr-3932	123	57	%	%	NOUN
fsr-3932	123	58	$	$	SYM
fsr-3932	123	59	44,693	44,693	NUM
fsr-3932	123	60	84.8	84.8	NUM
fsr-3932	123	61	%	%	NOUN
fsr-3932	123	62	$	$	SYM
fsr-3932	123	63	88,807	88,807	NUM
fsr-3932	123	64	81.1	81.1	NUM
fsr-3932	123	65	%	%	NOUN
fsr-3932	123	66	$	$	SYM
fsr-3932	123	67	104,042	104,042	NUM
fsr-3932	123	68	81.1	81.1	NUM
fsr-3932	123	69	%	%	NOUN
fsr-3932	123	70	$	$	SYM
fsr-3932	123	71	92,785	92,785	NUM
fsr-3932	123	72	*	*	PUNCT
fsr-3932	123	73	82.8	82.8	NUM
fsr-3932	123	74	%	%	NOUN
fsr-3932	123	75	$	$	SYM
fsr-3932	123	76	149,202	149,202	NUM
fsr-3932	123	77	brokerage	brokerage	NOUN
fsr-3932	123	78	accounts	account	NOUN
fsr-3932	123	79	0.0	0.0	NUM
fsr-3932	123	80	%	%	NOUN
fsr-3932	123	81	*	*	PUNCT
fsr-3932	123	82	*	*	PUNCT
fsr-3932	123	83	*	*	PUNCT
fsr-3932	124	1	$	$	SYM
fsr-3932	124	2	0	0	NUM
fsr-3932	124	3	6.0	6.0	NUM
fsr-3932	124	4	%	%	NOUN
fsr-3932	124	5	$	$	SYM
fsr-3932	124	6	0	0	NUM
fsr-3932	124	7	3.1	3.1	NUM
fsr-3932	124	8	%	%	NOUN
fsr-3932	124	9	*	*	PUNCT
fsr-3932	124	10	*	*	PUNCT
fsr-3932	124	11	*	*	PUNCT
fsr-3932	124	12	$	$	SYM
fsr-3932	124	13	0	0	NUM
fsr-3932	124	14	11.4	11.4	NUM
fsr-3932	124	15	%	%	NOUN
fsr-3932	124	16	$	$	SYM
fsr-3932	124	17	0	0	NUM
fsr-3932	124	18	9.5	9.5	NUM
fsr-3932	124	19	%	%	NOUN
fsr-3932	124	20	*	*	PUNCT
fsr-3932	124	21	*	*	PUNCT
fsr-3932	124	22	*	*	PUNCT
fsr-3932	124	23	$	$	SYM
fsr-3932	124	24	0	0	NUM
fsr-3932	124	25	26.0	26.0	NUM
fsr-3932	124	26	%	%	NOUN
fsr-3932	124	27	$	$	SYM
fsr-3932	124	28	0	0	NUM
fsr-3932	124	29	7.9	7.9	NUM
fsr-3932	124	30	%	%	NOUN
fsr-3932	124	31	*	*	PUNCT
fsr-3932	124	32	*	*	PUNCT
fsr-3932	124	33	*	*	PUNCT
fsr-3932	124	34	$	$	SYM
fsr-3932	124	35	0	0	NUM
fsr-3932	124	36	35.0	35.0	NUM
fsr-3932	124	37	%	%	NOUN
fsr-3932	124	38	$	$	SYM
fsr-3932	124	39	0	0	NUM
fsr-3932	124	40	trust	trust	NOUN
fsr-3932	124	41	accounts	account	NOUN
fsr-3932	124	42	and	and	CCONJ
fsr-3932	124	43	annuities	annuity	NOUN
fsr-3932	124	44	‘	'	PUNCT
fsr-3932	124	45	0.0	0.0	NUM
fsr-3932	124	46	%	%	NOUN
fsr-3932	124	47	*	*	NOUN
fsr-3932	124	48	*	*	PUNCT
fsr-3932	124	49	$	$	SYM
fsr-3932	124	50	0	0	NUM
fsr-3932	124	51	*	*	SYM
fsr-3932	124	52	2.6	2.6	NUM
fsr-3932	124	53	%	%	NOUN
fsr-3932	124	54	$	$	SYM
fsr-3932	124	55	679	679	NUM
fsr-3932	124	56	0.7	0.7	NUM
fsr-3932	124	57	%	%	NOUN
fsr-3932	124	58	*	*	PUNCT
fsr-3932	124	59	*	*	PUNCT
fsr-3932	124	60	*	*	PUNCT
fsr-3932	124	61	$	$	SYM
fsr-3932	124	62	204	204	NUM
fsr-3932	124	63	*	*	SYM
fsr-3932	124	64	6.1	6.1	NUM
fsr-3932	124	65	%	%	NOUN
fsr-3932	124	66	$	$	SYM
fsr-3932	124	67	1,544	1,544	NUM
fsr-3932	124	68	0.3	0.3	NUM
fsr-3932	124	69	%	%	NOUN
fsr-3932	124	70	*	*	PUNCT
fsr-3932	125	1	*	*	PUNCT
fsr-3932	125	2	*	*	PUNCT
fsr-3932	125	3	$	$	SYM
fsr-3932	125	4	16,314	16,314	NUM
fsr-3932	125	5	7.1	7.1	NUM
fsr-3932	125	6	%	%	NOUN
fsr-3932	125	7	$	$	SYM
fsr-3932	125	8	6,999	6,999	NUM
fsr-3932	125	9	5.2	5.2	NUM
fsr-3932	125	10	%	%	NOUN
fsr-3932	125	11	$	$	SYM
fsr-3932	125	12	3	3	NUM
fsr-3932	125	13	*	*	PUNCT
fsr-3932	125	14	*	*	PUNCT
fsr-3932	125	15	*	*	PUNCT
fsr-3932	125	16	9.7	9.7	NUM
fsr-3932	125	17	%	%	NOUN
fsr-3932	125	18	$	$	SYM
fsr-3932	125	19	17,843	17,843	NUM
fsr-3932	125	20	real	real	ADJ
fsr-3932	125	21	property	property	NOUN
fsr-3932	125	22	ownership	ownership	NOUN
fsr-3932	125	23	personal	personal	ADJ
fsr-3932	125	24	residence	residence	NOUN
fsr-3932	125	25	26.2	26.2	NUM
fsr-3932	125	26	%	%	NOUN
fsr-3932	125	27	*	*	PUNCT
fsr-3932	125	28	*	*	PUNCT
fsr-3932	125	29	*	*	PUNCT
fsr-3932	125	30	$	$	SYM
fsr-3932	125	31	59,357	59,357	NUM
fsr-3932	125	32	66.7	66.7	NUM
fsr-3932	125	33	%	%	NOUN
fsr-3932	125	34	$	$	SYM
fsr-3932	125	35	80,816	80,816	NUM
fsr-3932	125	36	45.7	45.7	NUM
fsr-3932	125	37	%	%	NOUN
fsr-3932	125	38	*	*	PUNCT
fsr-3932	125	39	*	*	PUNCT
fsr-3932	125	40	*	*	PUNCT
fsr-3932	125	41	$	$	SYM
fsr-3932	125	42	75,069	75,069	NUM
fsr-3932	125	43	*	*	PUNCT
fsr-3932	125	44	*	*	PUNCT
fsr-3932	125	45	72.6	72.6	NUM
fsr-3932	125	46	%	%	NOUN
fsr-3932	125	47	$	$	SYM
fsr-3932	125	48	112,786	112,786	NUM
fsr-3932	125	49	48.0	48.0	NUM
fsr-3932	125	50	%	%	NOUN
fsr-3932	125	51	*	*	PUNCT
fsr-3932	125	52	$	$	SYM
fsr-3932	125	53	118,946	118,946	NUM
fsr-3932	125	54	71.6	71.6	NUM
fsr-3932	125	55	%	%	NOUN
fsr-3932	125	56	$	$	SYM
fsr-3932	125	57	155,272	155,272	NUM
fsr-3932	125	58	67.2	67.2	NUM
fsr-3932	125	59	%	%	NOUN
fsr-3932	125	60	$	$	SYM
fsr-3932	125	61	141,450	141,450	NUM
fsr-3932	125	62	*	*	SYM
fsr-3932	125	63	74.5	74.5	NUM
fsr-3932	125	64	%	%	NOUN
fsr-3932	125	65	$	$	SYM
fsr-3932	125	66	207,416	207,416	NUM
fsr-3932	125	67	indebtedness	indebtedness	NOUN
fsr-3932	125	68	on	on	ADP
fsr-3932	125	69	personal	personal	ADJ
fsr-3932	125	70	residence	residence	NOUN
fsr-3932	125	71	12.8	12.8	NUM
fsr-3932	125	72	%	%	NOUN
fsr-3932	125	73	*	*	PUNCT
fsr-3932	125	74	*	*	PUNCT
fsr-3932	125	75	*	*	PUNCT
fsr-3932	125	76	$	$	SYM
fsr-3932	125	77	10,540	10,540	NUM
fsr-3932	125	78	*	*	PUNCT
fsr-3932	125	79	*	*	PUNCT
fsr-3932	125	80	*	*	PUNCT
fsr-3932	125	81	31.8	31.8	NUM
fsr-3932	125	82	%	%	NOUN
fsr-3932	125	83	$	$	SYM
fsr-3932	125	84	40,369	40,369	NUM
fsr-3932	125	85	27.5	27.5	NUM
fsr-3932	125	86	%	%	NOUN
fsr-3932	125	87	*	*	NOUN
fsr-3932	125	88	*	*	PUNCT
fsr-3932	125	89	$	$	SYM
fsr-3932	125	90	52,189	52,189	NUM
fsr-3932	125	91	42.6	42.6	NUM
fsr-3932	125	92	%	%	NOUN
fsr-3932	125	93	$	$	SYM
fsr-3932	125	94	56,862	56,862	NUM
fsr-3932	125	95	34.1	34.1	NUM
fsr-3932	125	96	%	%	NOUN
fsr-3932	125	97	*	*	PUNCT
fsr-3932	125	98	$	$	SYM
fsr-3932	125	99	71,897	71,897	NUM
fsr-3932	125	100	53.8	53.8	NUM
fsr-3932	125	101	%	%	NOUN
fsr-3932	125	102	$	$	SYM
fsr-3932	125	103	81,999	81,999	NUM
fsr-3932	125	104	42.0	42.0	NUM
fsr-3932	125	105	%	%	NOUN
fsr-3932	125	106	$	$	SYM
fsr-3932	125	107	102,560	102,560	NUM
fsr-3932	125	108	54.7	54.7	NUM
fsr-3932	125	109	%	%	NOUN
fsr-3932	125	110	$	$	SYM
fsr-3932	125	111	100,679	100,679	NUM
fsr-3932	125	112	other	other	ADJ
fsr-3932	125	113	vacation	vacation	NOUN
fsr-3932	125	114	property	property	NOUN
fsr-3932	125	115	3.6	3.6	NUM
fsr-3932	125	116	%	%	NOUN
fsr-3932	125	117	*	*	NOUN
fsr-3932	125	118	*	*	PUNCT
fsr-3932	125	119	$	$	SYM
fsr-3932	125	120	12,656	12,656	NUM
fsr-3932	125	121	11.7	11.7	NUM
fsr-3932	125	122	%	%	NOUN
fsr-3932	125	123	$	$	SYM
fsr-3932	125	124	14,313	14,313	NUM
fsr-3932	125	125	9.3	9.3	NUM
fsr-3932	125	126	%	%	NOUN
fsr-3932	125	127	*	*	PUNCT
fsr-3932	125	128	*	*	PUNCT
fsr-3932	125	129	$	$	SYM
fsr-3932	125	130	12,296	12,296	NUM
fsr-3932	125	131	17.6	17.6	NUM
fsr-3932	125	132	%	%	NOUN
fsr-3932	125	133	$	$	SYM
fsr-3932	125	134	12,653	12,653	NUM
fsr-3932	125	135	11.6	11.6	NUM
fsr-3932	125	136	%	%	NOUN
fsr-3932	125	137	$	$	SYM
fsr-3932	125	138	11,643	11,643	NUM
fsr-3932	125	139	22.3	22.3	NUM
fsr-3932	125	140	%	%	NOUN
fsr-3932	125	141	$	$	SYM
fsr-3932	125	142	14,216	14,216	NUM
fsr-3932	125	143	31.5	31.5	NUM
fsr-3932	125	144	%	%	NOUN
fsr-3932	125	145	$	$	SYM
fsr-3932	125	146	12,316	12,316	NUM
fsr-3932	125	147	30.8	30.8	NUM
fsr-3932	125	148	%	%	NOUN
fsr-3932	125	149	$	$	SYM
fsr-3932	125	150	14,843	14,843	NUM
fsr-3932	125	151	indebtedness	indebtedness	NOUN
fsr-3932	125	152	on	on	ADP
fsr-3932	125	153	other	other	ADJ
fsr-3932	125	154	vacation	vacation	NOUN
fsr-3932	125	155	property	property	NOUN
fsr-3932	125	156	0.9	0.9	NUM
fsr-3932	125	157	%	%	NOUN
fsr-3932	125	158	$	$	SYM
fsr-3932	125	159	27,352	27,352	NUM
fsr-3932	125	160	2.2	2.2	NUM
fsr-3932	125	161	%	%	NOUN
fsr-3932	125	162	$	$	SYM
fsr-3932	125	163	40,725	40,725	NUM
fsr-3932	125	164	3.6	3.6	NUM
fsr-3932	125	165	%	%	NOUN
fsr-3932	125	166	$	$	SYM
fsr-3932	125	167	23,947	23,947	NUM
fsr-3932	125	168	*	*	PUNCT
fsr-3932	125	169	5.2	5.2	NUM
fsr-3932	125	170	%	%	NOUN
fsr-3932	125	171	$	$	SYM
fsr-3932	125	172	62,238	62,238	NUM
fsr-3932	125	173	9.8	9.8	NUM
fsr-3932	125	174	%	%	NOUN
fsr-3932	125	175	$	$	SYM
fsr-3932	125	176	23,699	23,699	NUM
fsr-3932	125	177	*	*	PUNCT
fsr-3932	125	178	*	*	PUNCT
fsr-3932	125	179	6.5	6.5	NUM
fsr-3932	125	180	%	%	NOUN
fsr-3932	125	181	$	$	SYM
fsr-3932	125	182	197,702	197,702	NUM
fsr-3932	125	183	21.3	21.3	NUM
fsr-3932	125	184	%	%	NOUN
fsr-3932	125	185	$	$	SYM
fsr-3932	125	186	56,443	56,443	NUM
fsr-3932	125	187	13.6	13.6	NUM
fsr-3932	125	188	%	%	NOUN
fsr-3932	125	189	$	$	SYM
fsr-3932	125	190	588,194	588,194	NUM
fsr-3932	125	191	other	other	ADJ
fsr-3932	125	192	nonvacation	nonvacation	NOUN
fsr-3932	125	193	property	property	NOUN
fsr-3932	125	194	0.0	0.0	NUM
fsr-3932	125	195	%	%	NOUN
fsr-3932	125	196	$	$	SYM
fsr-3932	125	197	0	0	NUM
fsr-3932	125	198	0.5	0.5	NUM
fsr-3932	125	199	%	%	NOUN
fsr-3932	125	200	$	$	SYM
fsr-3932	125	201	86,706	86,706	NUM
fsr-3932	125	202	0.5	0.5	NUM
fsr-3932	125	203	%	%	NOUN
fsr-3932	125	204	$	$	SYM
fsr-3932	125	205	25,000	25,000	NUM
fsr-3932	125	206	0.6	0.6	NUM
fsr-3932	125	207	%	%	NOUN
fsr-3932	125	208	$	$	SYM
fsr-3932	125	209	287,331	287,331	NUM
fsr-3932	125	210	0.1	0.1	NUM
fsr-3932	125	211	%	%	NOUN
fsr-3932	125	212	*	*	PUNCT
fsr-3932	126	1	*	*	PUNCT
fsr-3932	126	2	*	*	PUNCT
fsr-3932	126	3	$	$	SYM
fsr-3932	126	4	601	601	NUM
fsr-3932	126	5	*	*	PUNCT
fsr-3932	126	6	*	*	PUNCT
fsr-3932	126	7	*	*	PUNCT
fsr-3932	126	8	1.7	1.7	NUM
fsr-3932	126	9	%	%	NOUN
fsr-3932	126	10	$	$	SYM
fsr-3932	126	11	419,850	419,850	NUM
fsr-3932	126	12	2.4	2.4	NUM
fsr-3932	126	13	%	%	NOUN
fsr-3932	126	14	$	$	SYM
fsr-3932	126	15	244,659	244,659	NUM
fsr-3932	126	16	1.7	1.7	NUM
fsr-3932	126	17	%	%	NOUN
fsr-3932	126	18	$	$	SYM
fsr-3932	126	19	389,778	389,778	NUM
fsr-3932	126	20	indebtedness	indebtedness	NOUN
fsr-3932	126	21	on	on	ADP
fsr-3932	126	22	other	other	ADJ
fsr-3932	126	23	property	property	NOUN
fsr-3932	126	24	0.0	0.0	NUM
fsr-3932	126	25	%	%	NOUN
fsr-3932	126	26	$	$	SYM
fsr-3932	126	27	0	0	NUM
fsr-3932	126	28	0.4	0.4	NUM
fsr-3932	126	29	%	%	NOUN
fsr-3932	126	30	$	$	SYM
fsr-3932	126	31	35,546	35,546	NUM
fsr-3932	126	32	0.0	0.0	NUM
fsr-3932	126	33	%	%	NOUN
fsr-3932	126	34	*	*	PUNCT
fsr-3932	126	35	$	$	SYM
fsr-3932	126	36	0	0	NUM
fsr-3932	126	37	*	*	SYM
fsr-3932	126	38	0.3	0.3	NUM
fsr-3932	126	39	%	%	NOUN
fsr-3932	126	40	$	$	SYM
fsr-3932	126	41	70,054	70,054	NUM
fsr-3932	126	42	0.1	0.1	NUM
fsr-3932	126	43	%	%	NOUN
fsr-3932	126	44	*	*	PUNCT
fsr-3932	126	45	$	$	SYM
fsr-3932	126	46	272	272	NUM
fsr-3932	126	47	*	*	NOUN
fsr-3932	126	48	*	*	PUNCT
fsr-3932	126	49	0.&%	0.&%	NUM
fsr-3932	126	50	$	$	SYM
fsr-3932	126	51	336,592	336,592	NUM
fsr-3932	126	52	0.5	0.5	NUM
fsr-3932	126	53	%	%	NOUN
fsr-3932	126	54	$	$	SYM
fsr-3932	126	55	50,000	50,000	NUM
fsr-3932	126	56	0.6	0.6	NUM
fsr-3932	126	57	%	%	NOUN
fsr-3932	126	58	$	$	SYM
fsr-3932	126	59	409,805	409,805	NUM
fsr-3932	126	60	note	note	NOUN
fsr-3932	126	61	:	:	PUNCT
fsr-3932	126	62	*	*	PUNCT
fsr-3932	126	63	*	*	PUNCT
fsr-3932	126	64	*	*	PUNCT
fsr-3932	126	65	denotes	denote	NOUN
fsr-3932	126	66	significance	significance	NOUN
fsr-3932	126	67	at	at	ADP
fsr-3932	126	68	the	the	DET
fsr-3932	126	69	0.001	0.001	NUM
fsr-3932	126	70	level	level	NOUN
fsr-3932	126	71	;	;	PUNCT
fsr-3932	126	72	*	*	PUNCT
fsr-3932	126	73	*	*	PUNCT
fsr-3932	126	74	denotes	denote	NOUN
fsr-3932	126	75	significance	significance	NOUN
fsr-3932	126	76	at	at	ADP
fsr-3932	126	77	the	the	DET
fsr-3932	126	78	0.01	0.01	NUM
fsr-3932	126	79	level	level	NOUN
fsr-3932	126	80	;	;	PUNCT
fsr-3932	126	81	*	*	PUNCT
fsr-3932	126	82	denotes	denote	NOUN
fsr-3932	126	83	significance	significance	NOUN
fsr-3932	126	84	at	at	ADP
fsr-3932	126	85	the	the	DET
fsr-3932	126	86	0.05	0.05	NUM
fsr-3932	126	87	level	level	NOUN
fsr-3932	126	88	.	.	PUNCT
fsr-3932	127	1	351	351	NUM
fsr-3932	127	2	d	d	NOUN
fsr-3932	127	3	.a	.a	NOUN
fsr-3932	127	4	.	.	PUNCT
fsr-3932	128	1	p	p	X
fsr-3932	128	2	lath	lath	NOUN
fsr-3932	128	3	,	,	PUNCT
fsr-3932	128	4	t	t	PROPN
fsr-3932	128	5	.h	.h	PROPN
fsr-3932	128	6	.	.	PUNCT
fsr-3932	129	1	stevenson	stevenson	PROPN
fsr-3932	129	2	/f	/f	PROPN
fsr-3932	129	3	inancial	inancial	PROPN
fsr-3932	129	4	services	service	NOUN
fsr-3932	129	5	r	r	NOUN
fsr-3932	129	6	eview	eview	NOUN
fsr-3932	129	7	94	94	NUM
fsr-3932	129	8	(	(	PUNCT
fsr-3932	129	9	2000	2000	NUM
fsr-3932	129	10	)	)	PUNCT
fsr-3932	129	11	343–359	343–359	NUM
fsr-3932	129	12	nonvacation	nonvacation	NOUN
fsr-3932	129	13	real	real	ADJ
fsr-3932	129	14	estate	estate	NOUN
fsr-3932	129	15	category	category	NOUN
fsr-3932	129	16	,	,	PUNCT
fsr-3932	129	17	where	where	SCONJ
fsr-3932	129	18	commercial	commercial	ADJ
fsr-3932	129	19	real	real	ADJ
fsr-3932	129	20	estate	estate	NOUN
fsr-3932	129	21	assets	asset	NOUN
fsr-3932	129	22	are	be	AUX
fsr-3932	129	23	particularly	particularly	ADV
fsr-3932	129	24	concentrated	concentrate	VERB
fsr-3932	129	25	across	across	ADP
fsr-3932	129	26	a	a	DET
fsr-3932	129	27	white	white	ADJ
fsr-3932	129	28	ownership	ownership	NOUN
fsr-3932	129	29	group	group	NOUN
fsr-3932	129	30	.	.	PUNCT
fsr-3932	130	1	interestingly	interestingly	ADV
fsr-3932	130	2	,	,	PUNCT
fsr-3932	130	3	black	black	ADJ
fsr-3932	130	4	households	household	NOUN
fsr-3932	130	5	do	do	AUX
fsr-3932	130	6	appear	appear	VERB
fsr-3932	130	7	to	to	PART
fsr-3932	130	8	display	display	VERB
fsr-3932	130	9	a	a	DET
fsr-3932	130	10	preference	preference	NOUN
fsr-3932	130	11	for	for	ADP
fsr-3932	130	12	consumptive	consumptive	NOUN
fsr-3932	130	13	-	-	PUNCT
fsr-3932	130	14	type	type	NOUN
fsr-3932	130	15	real	real	ADJ
fsr-3932	130	16	estate	estate	NOUN
fsr-3932	130	17	,	,	PUNCT
fsr-3932	130	18	a	a	DET
fsr-3932	130	19	finding	finding	NOUN
fsr-3932	130	20	that	that	PRON
fsr-3932	130	21	supports	support	VERB
fsr-3932	130	22	the	the	DET
fsr-3932	130	23	work	work	NOUN
fsr-3932	130	24	of	of	ADP
fsr-3932	130	25	terrell	terrell	PROPN
fsr-3932	130	26	(	(	PUNCT
fsr-3932	130	27	1971	1971	NUM
fsr-3932	130	28	)	)	PUNCT
fsr-3932	130	29	,	,	PUNCT
fsr-3932	130	30	sobol	sobol	NOUN
fsr-3932	130	31	(	(	PUNCT
fsr-3932	130	32	1979	1979	NUM
fsr-3932	130	33	)	)	PUNCT
fsr-3932	130	34	,	,	PUNCT
fsr-3932	130	35	blau	blau	NOUN
fsr-3932	130	36	and	and	CCONJ
fsr-3932	130	37	graham	graham	PROPN
fsr-3932	130	38	(	(	PUNCT
fsr-3932	130	39	1990	1990	NUM
fsr-3932	130	40	)	)	PUNCT
fsr-3932	130	41	and	and	CCONJ
fsr-3932	130	42	brimmer	brimmer	NOUN
fsr-3932	130	43	(	(	PUNCT
fsr-3932	130	44	1991	1991	NUM
fsr-3932	130	45	)	)	PUNCT
fsr-3932	130	46	.	.	PUNCT
fsr-3932	131	1	black	black	ADJ
fsr-3932	131	2	consumers	consumer	NOUN
fsr-3932	131	3	show	show	VERB
fsr-3932	131	4	a	a	DET
fsr-3932	131	5	far	far	ADV
fsr-3932	131	6	greater	great	ADJ
fsr-3932	131	7	relative	relative	ADJ
fsr-3932	131	8	investment	investment	NOUN
fsr-3932	131	9	in	in	ADP
fsr-3932	131	10	consumption	consumption	NOUN
fsr-3932	131	11	-	-	PUNCT
fsr-3932	131	12	oriented	orient	VERB
fsr-3932	131	13	real	real	ADJ
fsr-3932	131	14	property	property	NOUN
fsr-3932	131	15	,	,	PUNCT
fsr-3932	131	16	such	such	ADJ
fsr-3932	131	17	as	as	ADP
fsr-3932	131	18	a	a	DET
fsr-3932	131	19	personal	personal	ADJ
fsr-3932	131	20	residence	residence	NOUN
fsr-3932	131	21	or	or	CCONJ
fsr-3932	131	22	vacation	vacation	NOUN
fsr-3932	131	23	property	property	NOUN
fsr-3932	131	24	,	,	PUNCT
fsr-3932	131	25	and	and	CCONJ
fsr-3932	131	26	a	a	DET
fsr-3932	131	27	smaller	small	ADJ
fsr-3932	131	28	corresponding	correspond	VERB
fsr-3932	131	29	investment	investment	NOUN
fsr-3932	131	30	in	in	ADP
fsr-3932	131	31	income	income	NOUN
fsr-3932	131	32	-	-	PUNCT
fsr-3932	131	33	producing	produce	VERB
fsr-3932	131	34	business	business	NOUN
fsr-3932	131	35	property	property	NOUN
fsr-3932	131	36	,	,	PUNCT
fsr-3932	131	37	captured	capture	VERB
fsr-3932	131	38	in	in	ADP
fsr-3932	131	39	the	the	DET
fsr-3932	131	40	other	other	ADJ
fsr-3932	131	41	nonvacation	nonvacation	NOUN
fsr-3932	131	42	property	property	NOUN
fsr-3932	131	43	classification	classification	NOUN
fsr-3932	131	44	within	within	ADP
fsr-3932	131	45	the	the	DET
fsr-3932	131	46	scf	scf	PROPN
fsr-3932	131	47	dataset	dataset	NOUN
fsr-3932	131	48	.	.	PUNCT
fsr-3932	132	1	while	while	SCONJ
fsr-3932	132	2	white	white	ADJ
fsr-3932	132	3	households	household	NOUN
fsr-3932	132	4	also	also	ADV
fsr-3932	132	5	report	report	VERB
fsr-3932	132	6	a	a	DET
fsr-3932	132	7	relative	relative	ADJ
fsr-3932	132	8	preference	preference	NOUN
fsr-3932	132	9	for	for	ADP
fsr-3932	132	10	residential	residential	ADJ
fsr-3932	132	11	and	and	CCONJ
fsr-3932	132	12	vacation	vacation	NOUN
fsr-3932	132	13	-	-	PUNCT
fsr-3932	132	14	type	type	NOUN
fsr-3932	132	15	properties	property	NOUN
fsr-3932	132	16	over	over	ADP
fsr-3932	132	17	business	business	NOUN
fsr-3932	132	18	properties	property	NOUN
fsr-3932	132	19	,	,	PUNCT
fsr-3932	132	20	the	the	DET
fsr-3932	132	21	relative	relative	ADJ
fsr-3932	132	22	strength	strength	NOUN
fsr-3932	132	23	of	of	ADP
fsr-3932	132	24	this	this	DET
fsr-3932	132	25	preference	preference	NOUN
fsr-3932	132	26	is	be	AUX
fsr-3932	132	27	not	not	PART
fsr-3932	132	28	as	as	ADV
fsr-3932	132	29	great	great	ADJ
fsr-3932	132	30	as	as	SCONJ
fsr-3932	132	31	it	it	PRON
fsr-3932	132	32	is	be	AUX
fsr-3932	132	33	for	for	ADP
fsr-3932	132	34	black	black	ADJ
fsr-3932	132	35	households	household	NOUN
fsr-3932	132	36	.	.	PUNCT
fsr-3932	133	1	in	in	ADP
fsr-3932	133	2	contrast	contrast	NOUN
fsr-3932	133	3	to	to	ADP
fsr-3932	133	4	this	this	DET
fsr-3932	133	5	interpretation	interpretation	NOUN
fsr-3932	133	6	of	of	ADP
fsr-3932	133	7	commercial	commercial	ADJ
fsr-3932	133	8	real	real	ADJ
fsr-3932	133	9	estate	estate	NOUN
fsr-3932	133	10	holdings	holding	NOUN
fsr-3932	133	11	,	,	PUNCT
fsr-3932	133	12	however	however	ADV
fsr-3932	133	13	,	,	PUNCT
fsr-3932	133	14	it	it	PRON
fsr-3932	133	15	is	be	AUX
fsr-3932	133	16	also	also	ADV
fsr-3932	133	17	likely	likely	ADJ
fsr-3932	133	18	that	that	SCONJ
fsr-3932	133	19	the	the	DET
fsr-3932	133	20	absence	absence	NOUN
fsr-3932	133	21	of	of	ADP
fsr-3932	133	22	business	business	NOUN
fsr-3932	133	23	property	property	NOUN
fsr-3932	133	24	ownership	ownership	NOUN
fsr-3932	133	25	across	across	ADP
fsr-3932	133	26	black	black	ADJ
fsr-3932	133	27	households	household	NOUN
fsr-3932	133	28	reflects	reflect	VERB
fsr-3932	133	29	a	a	DET
fsr-3932	133	30	lower	low	ADJ
fsr-3932	133	31	incidence	incidence	NOUN
fsr-3932	133	32	of	of	ADP
fsr-3932	133	33	family	family	NOUN
fsr-3932	133	34	business	business	NOUN
fsr-3932	133	35	ownership	ownership	NOUN
fsr-3932	133	36	within	within	ADP
fsr-3932	133	37	black	black	ADJ
fsr-3932	133	38	households	household	NOUN
fsr-3932	133	39	.	.	PUNCT
fsr-3932	134	1	while	while	SCONJ
fsr-3932	134	2	lach	lach	PROPN
fsr-3932	134	3	(	(	PUNCT
fsr-3932	134	4	1999	1999	NUM
fsr-3932	134	5	)	)	PUNCT
fsr-3932	134	6	suggests	suggest	VERB
fsr-3932	134	7	that	that	SCONJ
fsr-3932	134	8	life	life	NOUN
fsr-3932	134	9	insurance	insurance	NOUN
fsr-3932	134	10	holdings	holding	NOUN
fsr-3932	134	11	often	often	ADV
fsr-3932	134	12	parallel	parallel	VERB
fsr-3932	134	13	real	real	ADJ
fsr-3932	134	14	estate	estate	NOUN
fsr-3932	134	15	holding	hold	VERB
fsr-3932	134	16	patterns	pattern	NOUN
fsr-3932	134	17	across	across	ADP
fsr-3932	134	18	black	black	ADJ
fsr-3932	134	19	households	household	NOUN
fsr-3932	134	20	,	,	PUNCT
fsr-3932	134	21	this	this	DET
fsr-3932	134	22	trend	trend	NOUN
fsr-3932	134	23	is	be	AUX
fsr-3932	134	24	not	not	PART
fsr-3932	134	25	evident	evident	ADJ
fsr-3932	134	26	in	in	ADP
fsr-3932	134	27	the	the	DET
fsr-3932	134	28	1998	1998	NUM
fsr-3932	134	29	scf	scf	PROPN
fsr-3932	134	30	dataset	dataset	NOUN
fsr-3932	134	31	.	.	PUNCT
fsr-3932	135	1	the	the	DET
fsr-3932	135	2	mean	mean	ADJ
fsr-3932	135	3	value	value	NOUN
fsr-3932	135	4	of	of	ADP
fsr-3932	135	5	life	life	NOUN
fsr-3932	135	6	insurance	insurance	NOUN
fsr-3932	135	7	assets	asset	NOUN
fsr-3932	135	8	across	across	ADP
fsr-3932	135	9	black	black	ADJ
fsr-3932	135	10	households	household	NOUN
fsr-3932	135	11	modestly	modestly	ADV
fsr-3932	135	12	exceeds	exceed	VERB
fsr-3932	135	13	the	the	DET
fsr-3932	135	14	value	value	NOUN
fsr-3932	135	15	of	of	ADP
fsr-3932	135	16	white	white	ADJ
fsr-3932	135	17	households	household	NOUN
fsr-3932	135	18	’	'	PUNCT
fsr-3932	135	19	life	life	NOUN
fsr-3932	135	20	insurance	insurance	NOUN
fsr-3932	135	21	assets	asset	NOUN
fsr-3932	135	22	for	for	ADP
fsr-3932	135	23	every	every	DET
fsr-3932	135	24	income	income	NOUN
fsr-3932	135	25	category	category	NOUN
fsr-3932	135	26	in	in	ADP
fsr-3932	135	27	the	the	DET
fsr-3932	135	28	scf	scf	PROPN
fsr-3932	135	29	dataset	dataset	NOUN
fsr-3932	135	30	.	.	PUNCT
fsr-3932	136	1	while	while	SCONJ
fsr-3932	136	2	these	these	DET
fsr-3932	136	3	pairwise	pairwise	NOUN
fsr-3932	136	4	mean	mean	VERB
fsr-3932	136	5	differences	difference	NOUN
fsr-3932	136	6	are	be	AUX
fsr-3932	136	7	not	not	PART
fsr-3932	136	8	statistically	statistically	ADV
fsr-3932	136	9	significant	significant	ADJ
fsr-3932	136	10	,	,	PUNCT
fsr-3932	136	11	the	the	DET
fsr-3932	136	12	life	life	NOUN
fsr-3932	136	13	insurance	insurance	NOUN
fsr-3932	136	14	category	category	NOUN
fsr-3932	136	15	represents	represent	VERB
fsr-3932	136	16	the	the	DET
fsr-3932	136	17	only	only	ADJ
fsr-3932	136	18	financial	financial	ADJ
fsr-3932	136	19	asset	asset	NOUN
fsr-3932	136	20	classification	classification	NOUN
fsr-3932	136	21	for	for	ADP
fsr-3932	136	22	which	which	PRON
fsr-3932	136	23	the	the	DET
fsr-3932	136	24	dollar	dollar	NOUN
fsr-3932	136	25	value	value	NOUN
fsr-3932	136	26	of	of	ADP
fsr-3932	136	27	black	black	ADJ
fsr-3932	136	28	household	household	NOUN
fsr-3932	136	29	holdings	holding	NOUN
fsr-3932	136	30	exceeds	exceed	VERB
fsr-3932	136	31	that	that	PRON
fsr-3932	136	32	of	of	ADP
fsr-3932	136	33	white	white	ADJ
fsr-3932	136	34	households	household	NOUN
fsr-3932	136	35	.	.	PUNCT
fsr-3932	137	1	for	for	ADP
fsr-3932	137	2	all	all	DET
fsr-3932	137	3	income	income	NOUN
fsr-3932	137	4	groups	group	NOUN
fsr-3932	137	5	,	,	PUNCT
fsr-3932	137	6	this	this	PRON
fsr-3932	137	7	supports	support	VERB
fsr-3932	137	8	the	the	DET
fsr-3932	137	9	assertion	assertion	NOUN
fsr-3932	137	10	by	by	ADP
fsr-3932	137	11	scott	scott	PROPN
fsr-3932	137	12	(	(	PUNCT
fsr-3932	137	13	1998	1998	NUM
fsr-3932	137	14	)	)	PUNCT
fsr-3932	137	15	and	and	CCONJ
fsr-3932	137	16	badu	badu	VERB
fsr-3932	137	17	et	et	PROPN
fsr-3932	137	18	al	al	PROPN
fsr-3932	137	19	.	.	PROPN
fsr-3932	138	1	(	(	PUNCT
fsr-3932	138	2	1999	1999	NUM
fsr-3932	138	3	)	)	PUNCT
fsr-3932	138	4	that	that	SCONJ
fsr-3932	138	5	african	african	PROPN
fsr-3932	138	6	-	-	PUNCT
fsr-3932	138	7	americans	americans	PROPN
fsr-3932	138	8	prefer	prefer	VERB
fsr-3932	138	9	relatively	relatively	ADV
fsr-3932	138	10	conservative	conservative	ADJ
fsr-3932	138	11	financial	financial	ADJ
fsr-3932	138	12	alternatives	alternative	NOUN
fsr-3932	138	13	in	in	ADP
fsr-3932	138	14	their	their	PRON
fsr-3932	138	15	investment	investment	NOUN
fsr-3932	138	16	portfolios	portfolio	NOUN
fsr-3932	138	17	.	.	PUNCT
fsr-3932	139	1	reviewing	review	VERB
fsr-3932	139	2	financial	financial	ADJ
fsr-3932	139	3	asset	asset	NOUN
fsr-3932	139	4	holdings	holding	NOUN
fsr-3932	139	5	across	across	ADP
fsr-3932	139	6	the	the	DET
fsr-3932	139	7	various	various	ADJ
fsr-3932	139	8	income	income	NOUN
fsr-3932	139	9	categories	category	NOUN
fsr-3932	139	10	shown	show	VERB
fsr-3932	139	11	in	in	ADP
fsr-3932	139	12	table	table	NOUN
fsr-3932	139	13	1	1	NUM
fsr-3932	139	14	reveals	reveal	VERB
fsr-3932	139	15	a	a	DET
fsr-3932	139	16	striking	striking	ADJ
fsr-3932	139	17	difference	difference	NOUN
fsr-3932	139	18	in	in	ADP
fsr-3932	139	19	portfolio	portfolio	NOUN
fsr-3932	139	20	composition	composition	NOUN
fsr-3932	139	21	for	for	ADP
fsr-3932	139	22	relatively	relatively	ADV
fsr-3932	139	23	high	high	ADJ
fsr-3932	139	24	-	-	PUNCT
fsr-3932	139	25	risk	risk	NOUN
fsr-3932	139	26	,	,	PUNCT
fsr-3932	139	27	high	high	ADJ
fsr-3932	139	28	-	-	PUNCT
fsr-3932	139	29	return	return	NOUN
fsr-3932	139	30	financial	financial	ADJ
fsr-3932	139	31	assets	asset	NOUN
fsr-3932	139	32	between	between	ADP
fsr-3932	139	33	black	black	ADJ
fsr-3932	139	34	and	and	CCONJ
fsr-3932	139	35	white	white	ADJ
fsr-3932	139	36	consumers	consumer	NOUN
fsr-3932	139	37	.	.	PUNCT
fsr-3932	140	1	the	the	DET
fsr-3932	140	2	absence	absence	NOUN
fsr-3932	140	3	of	of	ADP
fsr-3932	140	4	corporate	corporate	ADJ
fsr-3932	140	5	debt	debt	NOUN
fsr-3932	140	6	and	and	CCONJ
fsr-3932	140	7	equity	equity	NOUN
fsr-3932	140	8	securities	security	NOUN
fsr-3932	140	9	within	within	ADP
fsr-3932	140	10	black	black	ADJ
fsr-3932	140	11	families	family	NOUN
fsr-3932	140	12	’	’	PART
fsr-3932	140	13	investment	investment	NOUN
fsr-3932	140	14	portfolios	portfolio	NOUN
fsr-3932	140	15	—	—	PUNCT
fsr-3932	140	16	and	and	CCONJ
fsr-3932	140	17	the	the	DET
fsr-3932	140	18	corresponding	corresponding	ADJ
fsr-3932	140	19	concentration	concentration	NOUN
fsr-3932	140	20	of	of	ADP
fsr-3932	140	21	wealth	wealth	NOUN
fsr-3932	140	22	in	in	ADP
fsr-3932	140	23	real	real	ADJ
fsr-3932	140	24	property	property	NOUN
fsr-3932	140	25	and	and	CCONJ
fsr-3932	140	26	life	life	NOUN
fsr-3932	140	27	insurance	insurance	NOUN
fsr-3932	140	28	assets	asset	NOUN
fsr-3932	140	29	across	across	ADP
fsr-3932	140	30	these	these	DET
fsr-3932	140	31	households	household	NOUN
fsr-3932	140	32	—	—	PUNCT
fsr-3932	140	33	creates	create	VERB
fsr-3932	140	34	a	a	DET
fsr-3932	140	35	stark	stark	ADJ
fsr-3932	140	36	contrast	contrast	NOUN
fsr-3932	140	37	with	with	ADP
fsr-3932	140	38	white	white	ADJ
fsr-3932	140	39	households	household	NOUN
fsr-3932	140	40	’	'	PUNCT
fsr-3932	140	41	portfolio	portfolio	NOUN
fsr-3932	140	42	holdings	holding	NOUN
fsr-3932	140	43	.	.	PUNCT
fsr-3932	141	1	this	this	DET
fsr-3932	141	2	absence	absence	NOUN
fsr-3932	141	3	of	of	ADP
fsr-3932	141	4	financial	financial	ADJ
fsr-3932	141	5	diversification	diversification	NOUN
fsr-3932	141	6	,	,	PUNCT
fsr-3932	141	7	coupled	couple	VERB
fsr-3932	141	8	with	with	ADP
fsr-3932	141	9	the	the	DET
fsr-3932	141	10	concentration	concentration	NOUN
fsr-3932	141	11	of	of	ADP
fsr-3932	141	12	wealth	wealth	NOUN
fsr-3932	141	13	in	in	ADP
fsr-3932	141	14	lower	lower	ADV
fsr-3932	141	15	-	-	PUNCT
fsr-3932	141	16	yielding	yield	VERB
fsr-3932	141	17	financial	financial	ADJ
fsr-3932	141	18	assets	asset	NOUN
fsr-3932	141	19	and	and	CCONJ
fsr-3932	141	20	real	real	ADJ
fsr-3932	141	21	property	property	NOUN
fsr-3932	141	22	,	,	PUNCT
fsr-3932	141	23	signals	signal	VERB
fsr-3932	141	24	that	that	SCONJ
fsr-3932	141	25	african	african	ADJ
fsr-3932	141	26	-	-	PUNCT
fsr-3932	141	27	american	american	ADJ
fsr-3932	141	28	households	household	NOUN
fsr-3932	141	29	face	face	VERB
fsr-3932	141	30	far	far	ADV
fsr-3932	141	31	greater	great	ADJ
fsr-3932	141	32	unsystematic	unsystematic	ADJ
fsr-3932	141	33	financial	financial	ADJ
fsr-3932	141	34	risk	risk	NOUN
fsr-3932	141	35	,	,	PUNCT
fsr-3932	141	36	lower	low	ADJ
fsr-3932	141	37	portfolio	portfolio	NOUN
fsr-3932	141	38	returns	return	NOUN
fsr-3932	141	39	,	,	PUNCT
fsr-3932	141	40	and	and	CCONJ
fsr-3932	141	41	a	a	DET
fsr-3932	141	42	diminished	diminished	ADJ
fsr-3932	141	43	rate	rate	NOUN
fsr-3932	141	44	of	of	ADP
fsr-3932	141	45	wealth	wealth	NOUN
fsr-3932	141	46	accumulation	accumulation	NOUN
fsr-3932	141	47	over	over	ADP
fsr-3932	141	48	time	time	NOUN
fsr-3932	141	49	in	in	ADP
fsr-3932	141	50	their	their	PRON
fsr-3932	141	51	wealth	wealth	NOUN
fsr-3932	141	52	-	-	PUNCT
fsr-3932	141	53	creating	create	VERB
fsr-3932	141	54	asset	asset	NOUN
fsr-3932	141	55	portfolios	portfolio	NOUN
fsr-3932	141	56	.	.	PUNCT
fsr-3932	142	1	while	while	SCONJ
fsr-3932	142	2	this	this	DET
fsr-3932	142	3	conclusion	conclusion	NOUN
fsr-3932	142	4	is	be	AUX
fsr-3932	142	5	troubling	troubling	ADJ
fsr-3932	142	6	,	,	PUNCT
fsr-3932	142	7	it	it	PRON
fsr-3932	142	8	is	be	AUX
fsr-3932	142	9	consistent	consistent	ADJ
fsr-3932	142	10	with	with	ADP
fsr-3932	142	11	other	other	ADJ
fsr-3932	142	12	research	research	NOUN
fsr-3932	142	13	results	result	NOUN
fsr-3932	142	14	investigating	investigate	VERB
fsr-3932	142	15	racial	racial	ADJ
fsr-3932	142	16	differences	difference	NOUN
fsr-3932	142	17	in	in	ADP
fsr-3932	142	18	investing	invest	VERB
fsr-3932	142	19	preferences	preference	NOUN
fsr-3932	142	20	.	.	PUNCT
fsr-3932	143	1	a	a	DET
fsr-3932	143	2	number	number	NOUN
fsr-3932	143	3	of	of	ADP
fsr-3932	143	4	studies	study	NOUN
fsr-3932	143	5	—	—	PUNCT
fsr-3932	143	6	including	include	VERB
fsr-3932	143	7	boyce	boyce	NOUN
fsr-3932	143	8	(	(	PUNCT
fsr-3932	143	9	1998	1998	NUM
fsr-3932	143	10	)	)	PUNCT
fsr-3932	143	11	,	,	PUNCT
fsr-3932	143	12	zhong	zhong	PROPN
fsr-3932	143	13	and	and	CCONJ
fsr-3932	143	14	xiao	xiao	PROPN
fsr-3932	143	15	(	(	PUNCT
fsr-3932	143	16	1995	1995	NUM
fsr-3932	143	17	)	)	PUNCT
fsr-3932	143	18	,	,	PUNCT
fsr-3932	143	19	lach	lach	PROPN
fsr-3932	143	20	(	(	PUNCT
fsr-3932	143	21	1999	1999	NUM
fsr-3932	143	22	)	)	PUNCT
fsr-3932	143	23	,	,	PUNCT
fsr-3932	143	24	and	and	CCONJ
fsr-3932	143	25	gutter	gutter	NOUN
fsr-3932	143	26	et	et	NOUN
fsr-3932	143	27	al	al	PROPN
fsr-3932	143	28	.	.	PUNCT
fsr-3932	144	1	(	(	PUNCT
fsr-3932	144	2	1999)—point	1999)—point	NUM
fsr-3932	144	3	out	out	ADP
fsr-3932	144	4	the	the	DET
fsr-3932	144	5	wide	wide	ADJ
fsr-3932	144	6	disparity	disparity	NOUN
fsr-3932	144	7	in	in	ADP
fsr-3932	144	8	equity	equity	NOUN
fsr-3932	144	9	ownership	ownership	NOUN
fsr-3932	144	10	between	between	ADP
fsr-3932	144	11	black	black	ADJ
fsr-3932	144	12	and	and	CCONJ
fsr-3932	144	13	white	white	ADJ
fsr-3932	144	14	households	household	NOUN
fsr-3932	144	15	.	.	PUNCT
fsr-3932	145	1	past	past	ADJ
fsr-3932	145	2	research	research	NOUN
fsr-3932	145	3	offers	offer	VERB
fsr-3932	145	4	a	a	DET
fsr-3932	145	5	number	number	NOUN
fsr-3932	145	6	of	of	ADP
fsr-3932	145	7	different	different	ADJ
fsr-3932	145	8	explanations	explanation	NOUN
fsr-3932	145	9	for	for	ADP
fsr-3932	145	10	this	this	DET
fsr-3932	145	11	disparity	disparity	NOUN
fsr-3932	145	12	.	.	PUNCT
fsr-3932	146	1	bajtelsmit	bajtelsmit	NOUN
fsr-3932	146	2	and	and	CCONJ
fsr-3932	146	3	bernasek	bernasek	PROPN
fsr-3932	146	4	(	(	PUNCT
fsr-3932	146	5	1996	1996	NUM
fsr-3932	146	6	)	)	PUNCT
fsr-3932	146	7	attribute	attribute	VERB
fsr-3932	146	8	it	it	PRON
fsr-3932	146	9	to	to	ADP
fsr-3932	146	10	the	the	DET
fsr-3932	146	11	greater	great	ADJ
fsr-3932	146	12	relative	relative	ADJ
fsr-3932	146	13	influence	influence	NOUN
fsr-3932	146	14	of	of	ADP
fsr-3932	146	15	black	black	ADJ
fsr-3932	146	16	women	woman	NOUN
fsr-3932	146	17	in	in	ADP
fsr-3932	146	18	making	make	VERB
fsr-3932	146	19	household	household	NOUN
fsr-3932	146	20	investment	investment	NOUN
fsr-3932	146	21	decisions	decision	NOUN
fsr-3932	146	22	and	and	CCONJ
fsr-3932	146	23	the	the	DET
fsr-3932	146	24	relatively	relatively	ADV
fsr-3932	146	25	greater	great	ADJ
fsr-3932	146	26	risk	risk	NOUN
fsr-3932	146	27	aversion	aversion	NOUN
fsr-3932	146	28	observed	observe	VERB
fsr-3932	146	29	across	across	ADP
fsr-3932	146	30	these	these	DET
fsr-3932	146	31	investors	investor	NOUN
fsr-3932	146	32	.	.	PUNCT
fsr-3932	147	1	lach	lach	PROPN
fsr-3932	147	2	(	(	PUNCT
fsr-3932	147	3	1999	1999	NUM
fsr-3932	147	4	)	)	PUNCT
fsr-3932	147	5	and	and	CCONJ
fsr-3932	147	6	vatter	vatter	NOUN
fsr-3932	147	7	and	and	CCONJ
fsr-3932	147	8	palm	palm	NOUN
fsr-3932	147	9	(	(	PUNCT
fsr-3932	147	10	1977	1977	NUM
fsr-3932	147	11	)	)	PUNCT
fsr-3932	147	12	attribute	attribute	VERB
fsr-3932	147	13	it	it	PRON
fsr-3932	147	14	to	to	ADP
fsr-3932	147	15	a	a	DET
fsr-3932	147	16	lack	lack	NOUN
fsr-3932	147	17	of	of	ADP
fsr-3932	147	18	understanding	understanding	NOUN
fsr-3932	147	19	of	of	ADP
fsr-3932	147	20	corporate	corporate	ADJ
fsr-3932	147	21	equity	equity	NOUN
fsr-3932	147	22	and	and	CCONJ
fsr-3932	147	23	debt	debt	NOUN
fsr-3932	147	24	instruments	instrument	NOUN
fsr-3932	147	25	across	across	ADP
fsr-3932	147	26	black	black	ADJ
fsr-3932	147	27	households	household	NOUN
fsr-3932	147	28	,	,	PUNCT
fsr-3932	147	29	and	and	CCONJ
fsr-3932	147	30	limited	limited	ADJ
fsr-3932	147	31	access	access	NOUN
fsr-3932	147	32	to	to	ADP
fsr-3932	147	33	information	information	NOUN
fsr-3932	147	34	regarding	regard	VERB
fsr-3932	147	35	these	these	DET
fsr-3932	147	36	investment	investment	NOUN
fsr-3932	147	37	alternatives	alternative	NOUN
fsr-3932	147	38	.	.	PUNCT
fsr-3932	148	1	still	still	ADV
fsr-3932	148	2	other	other	ADJ
fsr-3932	148	3	researchers	researcher	NOUN
fsr-3932	148	4	attribute	attribute	VERB
fsr-3932	148	5	it	it	PRON
fsr-3932	148	6	to	to	ADP
fsr-3932	148	7	differences	difference	NOUN
fsr-3932	148	8	in	in	ADP
fsr-3932	148	9	risk	risk	NOUN
fsr-3932	148	10	tolerance	tolerance	NOUN
fsr-3932	148	11	related	relate	VERB
fsr-3932	148	12	to	to	ADP
fsr-3932	148	13	socioeconomic	socioeconomic	ADJ
fsr-3932	148	14	factors	factor	NOUN
fsr-3932	148	15	(	(	PUNCT
fsr-3932	148	16	schooley	schooley	NOUN
fsr-3932	148	17	&	&	CCONJ
fsr-3932	148	18	worden	worden	PROPN
fsr-3932	148	19	,	,	PUNCT
fsr-3932	148	20	1996	1996	NUM
fsr-3932	148	21	)	)	PUNCT
fsr-3932	148	22	,	,	PUNCT
fsr-3932	148	23	educational	educational	ADJ
fsr-3932	148	24	attainment	attainment	NOUN
fsr-3932	148	25	(	(	PUNCT
fsr-3932	148	26	shaw	shaw	PROPN
fsr-3932	148	27	,	,	PUNCT
fsr-3932	148	28	1996	1996	NUM
fsr-3932	148	29	)	)	PUNCT
fsr-3932	148	30	,	,	PUNCT
fsr-3932	148	31	and	and	CCONJ
fsr-3932	148	32	a	a	DET
fsr-3932	148	33	savings	saving	NOUN
fsr-3932	148	34	motive	motive	NOUN
fsr-3932	148	35	driven	drive	VERB
fsr-3932	148	36	by	by	ADP
fsr-3932	148	37	near	near	ADJ
fsr-3932	148	38	-	-	PUNCT
fsr-3932	148	39	future	future	NOUN
fsr-3932	148	40	needs	need	NOUN
fsr-3932	148	41	for	for	ADP
fsr-3932	148	42	cash	cash	NOUN
fsr-3932	148	43	,	,	PUNCT
fsr-3932	148	44	such	such	ADJ
fsr-3932	148	45	as	as	ADP
fsr-3932	148	46	saving	save	VERB
fsr-3932	148	47	for	for	ADP
fsr-3932	148	48	college	college	NOUN
fsr-3932	148	49	352	352	NUM
fsr-3932	148	50	d.a	d.a	PROPN
fsr-3932	148	51	.	.	PROPN
fsr-3932	148	52	plath	plath	PROPN
fsr-3932	148	53	,	,	PUNCT
fsr-3932	148	54	t.h	t.h	PROPN
fsr-3932	148	55	.	.	PROPN
fsr-3932	148	56	stevenson	stevenson	PROPN
fsr-3932	148	57	/	/	SYM
fsr-3932	148	58	financial	financial	ADJ
fsr-3932	148	59	services	service	NOUN
fsr-3932	148	60	review	review	VERB
fsr-3932	148	61	94	94	NUM
fsr-3932	148	62	(	(	PUNCT
fsr-3932	148	63	2000	2000	NUM
fsr-3932	148	64	)	)	PUNCT
fsr-3932	148	65	343–359	343–359	NUM
fsr-3932	148	66	expenses	expense	NOUN
fsr-3932	148	67	,	,	PUNCT
fsr-3932	148	68	rather	rather	ADV
fsr-3932	148	69	than	than	ADP
fsr-3932	148	70	distant	distant	ADJ
fsr-3932	148	71	-	-	PUNCT
fsr-3932	148	72	future	future	ADJ
fsr-3932	148	73	events	event	NOUN
fsr-3932	148	74	,	,	PUNCT
fsr-3932	148	75	like	like	ADP
fsr-3932	148	76	retirement	retirement	NOUN
fsr-3932	148	77	savings	saving	NOUN
fsr-3932	148	78	(	(	PUNCT
fsr-3932	148	79	lach	lach	PROPN
fsr-3932	148	80	,	,	PUNCT
fsr-3932	148	81	1999	1999	NUM
fsr-3932	148	82	)	)	PUNCT
fsr-3932	148	83	.	.	PUNCT
fsr-3932	149	1	finally	finally	ADV
fsr-3932	149	2	,	,	PUNCT
fsr-3932	149	3	burlew	burlew	VERB
fsr-3932	149	4	et	et	PROPN
fsr-3932	149	5	al	al	PROPN
fsr-3932	149	6	.	.	PROPN
fsr-3932	150	1	(	(	PUNCT
fsr-3932	150	2	1992	1992	NUM
fsr-3932	150	3	)	)	PUNCT
fsr-3932	150	4	attribute	attribute	VERB
fsr-3932	150	5	the	the	DET
fsr-3932	150	6	absence	absence	NOUN
fsr-3932	150	7	of	of	ADP
fsr-3932	150	8	relatively	relatively	ADV
fsr-3932	150	9	illiquid	illiquid	ADJ
fsr-3932	150	10	financial	financial	ADJ
fsr-3932	150	11	investments	investment	NOUN
fsr-3932	150	12	—	—	PUNCT
fsr-3932	150	13	such	such	ADJ
fsr-3932	150	14	as	as	ADP
fsr-3932	150	15	stocks	stock	NOUN
fsr-3932	150	16	,	,	PUNCT
fsr-3932	150	17	bonds	bond	NOUN
fsr-3932	150	18	,	,	PUNCT
fsr-3932	150	19	and	and	CCONJ
fsr-3932	150	20	401	401	NUM
fsr-3932	150	21	-	-	PUNCT
fsr-3932	150	22	k	k	PROPN
fsr-3932	150	23	retirement	retirement	NOUN
fsr-3932	150	24	assets	asset	NOUN
fsr-3932	150	25	—	—	PUNCT
fsr-3932	150	26	in	in	ADP
fsr-3932	150	27	african	african	ADJ
fsr-3932	150	28	-	-	PUNCT
fsr-3932	150	29	american	american	ADJ
fsr-3932	150	30	households	household	NOUN
fsr-3932	150	31	to	to	PART
fsr-3932	150	32	stronger	strong	ADJ
fsr-3932	150	33	current	current	ADJ
fsr-3932	150	34	consumption	consumption	NOUN
fsr-3932	150	35	preferences	preference	NOUN
fsr-3932	150	36	across	across	ADP
fsr-3932	150	37	black	black	ADJ
fsr-3932	150	38	households	household	NOUN
fsr-3932	150	39	,	,	PUNCT
fsr-3932	150	40	while	while	SCONJ
fsr-3932	150	41	pitts	pitt	NOUN
fsr-3932	150	42	,	,	PUNCT
fsr-3932	150	43	whalen	whalen	NOUN
fsr-3932	150	44	,	,	PUNCT
fsr-3932	150	45	o’keefe	o’keefe	NOUN
fsr-3932	150	46	,	,	PUNCT
fsr-3932	150	47	and	and	CCONJ
fsr-3932	150	48	murray	murray	PROPN
fsr-3932	150	49	(	(	PUNCT
fsr-3932	150	50	1989	1989	NUM
fsr-3932	150	51	)	)	PUNCT
fsr-3932	150	52	and	and	CCONJ
fsr-3932	150	53	morrall	morrall	NOUN
fsr-3932	150	54	(	(	PUNCT
fsr-3932	150	55	1996	1996	NUM
fsr-3932	150	56	)	)	PUNCT
fsr-3932	150	57	suggest	suggest	VERB
fsr-3932	150	58	that	that	SCONJ
fsr-3932	150	59	blacks	black	NOUN
fsr-3932	150	60	display	display	VERB
fsr-3932	150	61	a	a	DET
fsr-3932	150	62	higher	high	ADJ
fsr-3932	150	63	preference	preference	NOUN
fsr-3932	150	64	for	for	ADP
fsr-3932	150	65	very	very	ADV
fsr-3932	150	66	liquid	liquid	ADJ
fsr-3932	150	67	investments	investment	NOUN
fsr-3932	150	68	as	as	ADV
fsr-3932	150	69	well	well	ADV
fsr-3932	150	70	as	as	ADP
fsr-3932	150	71	cash	cash	NOUN
fsr-3932	150	72	holdings	holding	NOUN
fsr-3932	150	73	.	.	PUNCT
fsr-3932	151	1	the	the	DET
fsr-3932	151	2	scf	scf	PROPN
fsr-3932	151	3	results	result	NOUN
fsr-3932	151	4	reported	report	VERB
fsr-3932	151	5	in	in	ADP
fsr-3932	151	6	table	table	NOUN
fsr-3932	151	7	1	1	NUM
fsr-3932	151	8	support	support	NOUN
fsr-3932	151	9	this	this	DET
fsr-3932	151	10	final	final	ADJ
fsr-3932	151	11	contention	contention	NOUN
fsr-3932	151	12	.	.	PUNCT
fsr-3932	152	1	for	for	ADP
fsr-3932	152	2	most	most	ADJ
fsr-3932	152	3	financial	financial	ADJ
fsr-3932	152	4	assets	asset	NOUN
fsr-3932	152	5	,	,	PUNCT
fsr-3932	152	6	there	there	PRON
fsr-3932	152	7	is	be	VERB
fsr-3932	152	8	a	a	DET
fsr-3932	152	9	wide	wide	ADJ
fsr-3932	152	10	disparity	disparity	NOUN
fsr-3932	152	11	between	between	ADP
fsr-3932	152	12	black	black	ADJ
fsr-3932	152	13	and	and	CCONJ
fsr-3932	152	14	white	white	ADJ
fsr-3932	152	15	households	household	NOUN
fsr-3932	152	16	’	'	PUNCT
fsr-3932	152	17	portfolio	portfolio	NOUN
fsr-3932	152	18	holdings	holding	NOUN
fsr-3932	152	19	.	.	PUNCT
fsr-3932	153	1	this	this	DET
fsr-3932	153	2	gap	gap	NOUN
fsr-3932	153	3	is	be	AUX
fsr-3932	153	4	much	much	ADV
fsr-3932	153	5	smaller	small	ADJ
fsr-3932	153	6	in	in	ADP
fsr-3932	153	7	the	the	DET
fsr-3932	153	8	case	case	NOUN
fsr-3932	153	9	of	of	ADP
fsr-3932	153	10	bank	bank	NOUN
fsr-3932	153	11	transaction	transaction	NOUN
fsr-3932	153	12	accounts	account	NOUN
fsr-3932	153	13	,	,	PUNCT
fsr-3932	153	14	particularly	particularly	ADV
fsr-3932	153	15	for	for	ADP
fsr-3932	153	16	upper	upper	ADJ
fsr-3932	153	17	middleand	middleand	NOUN
fsr-3932	153	18	high	high	ADJ
fsr-3932	153	19	-	-	PUNCT
fsr-3932	153	20	income	income	NOUN
fsr-3932	153	21	families	family	NOUN
fsr-3932	153	22	,	,	PUNCT
fsr-3932	153	23	reflecting	reflect	VERB
fsr-3932	153	24	the	the	DET
fsr-3932	153	25	black	black	ADJ
fsr-3932	153	26	families	family	NOUN
fsr-3932	153	27	’	'	PUNCT
fsr-3932	153	28	greater	great	ADJ
fsr-3932	153	29	preference	preference	NOUN
fsr-3932	153	30	for	for	ADP
fsr-3932	153	31	highly	highly	ADV
fsr-3932	153	32	liquid	liquid	ADJ
fsr-3932	153	33	financial	financial	ADJ
fsr-3932	153	34	assets	asset	NOUN
fsr-3932	153	35	.	.	PUNCT
fsr-3932	154	1	within	within	ADP
fsr-3932	154	2	lower	low	ADJ
fsr-3932	154	3	-	-	PUNCT
fsr-3932	154	4	income	income	NOUN
fsr-3932	154	5	families	family	NOUN
fsr-3932	154	6	,	,	PUNCT
fsr-3932	154	7	however	however	ADV
fsr-3932	154	8	,	,	PUNCT
fsr-3932	154	9	the	the	DET
fsr-3932	154	10	use	use	NOUN
fsr-3932	154	11	of	of	ADP
fsr-3932	154	12	basic	basic	ADJ
fsr-3932	154	13	banking	banking	NOUN
fsr-3932	154	14	services	service	NOUN
fsr-3932	154	15	is	be	AUX
fsr-3932	154	16	less	less	ADV
fsr-3932	154	17	prevalent	prevalent	ADJ
fsr-3932	154	18	among	among	ADP
fsr-3932	154	19	black	black	ADJ
fsr-3932	154	20	households	household	NOUN
fsr-3932	154	21	.	.	PUNCT
fsr-3932	155	1	the	the	DET
fsr-3932	155	2	distance	distance	NOUN
fsr-3932	155	3	between	between	ADP
fsr-3932	155	4	the	the	DET
fsr-3932	155	5	percentage	percentage	NOUN
fsr-3932	155	6	of	of	ADP
fsr-3932	155	7	black	black	ADJ
fsr-3932	155	8	and	and	CCONJ
fsr-3932	155	9	white	white	ADJ
fsr-3932	155	10	families	family	NOUN
fsr-3932	155	11	reporting	report	VERB
fsr-3932	155	12	holdings	holding	NOUN
fsr-3932	155	13	of	of	ADP
fsr-3932	155	14	checking	checking	NOUN
fsr-3932	155	15	and	and	CCONJ
fsr-3932	155	16	savings	saving	NOUN
fsr-3932	155	17	deposits	deposit	NOUN
fsr-3932	155	18	narrows	narrow	VERB
fsr-3932	155	19	with	with	ADP
fsr-3932	155	20	increasing	increase	VERB
fsr-3932	155	21	income	income	NOUN
fsr-3932	155	22	,	,	PUNCT
fsr-3932	155	23	but	but	CCONJ
fsr-3932	155	24	the	the	DET
fsr-3932	155	25	valuation	valuation	NOUN
fsr-3932	155	26	gap	gap	NOUN
fsr-3932	155	27	between	between	ADP
fsr-3932	155	28	the	the	DET
fsr-3932	155	29	dollar	dollar	NOUN
fsr-3932	155	30	value	value	NOUN
fsr-3932	155	31	of	of	ADP
fsr-3932	155	32	mean	mean	ADJ
fsr-3932	155	33	account	account	NOUN
fsr-3932	155	34	balances	balance	NOUN
fsr-3932	155	35	across	across	ADP
fsr-3932	155	36	black	black	ADJ
fsr-3932	155	37	and	and	CCONJ
fsr-3932	155	38	white	white	ADJ
fsr-3932	155	39	households	household	NOUN
fsr-3932	155	40	does	do	AUX
fsr-3932	155	41	not	not	PART
fsr-3932	155	42	diminish	diminish	VERB
fsr-3932	155	43	in	in	ADP
fsr-3932	155	44	similar	similar	ADJ
fsr-3932	155	45	fashion	fashion	NOUN
fsr-3932	155	46	.	.	PUNCT
fsr-3932	156	1	like	like	ADP
fsr-3932	156	2	other	other	ADJ
fsr-3932	156	3	wealth	wealth	NOUN
fsr-3932	156	4	-	-	PUNCT
fsr-3932	156	5	oriented	orient	VERB
fsr-3932	156	6	asset	asset	NOUN
fsr-3932	156	7	categories	category	NOUN
fsr-3932	156	8	,	,	PUNCT
fsr-3932	156	9	there	there	PRON
fsr-3932	156	10	is	be	VERB
fsr-3932	156	11	a	a	DET
fsr-3932	156	12	persistent	persistent	ADJ
fsr-3932	156	13	difference	difference	NOUN
fsr-3932	156	14	between	between	ADP
fsr-3932	156	15	bank	bank	NOUN
fsr-3932	156	16	demand	demand	NOUN
fsr-3932	156	17	,	,	PUNCT
fsr-3932	156	18	time	time	NOUN
fsr-3932	156	19	,	,	PUNCT
fsr-3932	156	20	and	and	CCONJ
fsr-3932	156	21	savings	saving	NOUN
fsr-3932	156	22	deposit	deposit	NOUN
fsr-3932	156	23	balances	balance	NOUN
fsr-3932	156	24	reported	report	VERB
fsr-3932	156	25	by	by	ADP
fsr-3932	156	26	black	black	ADJ
fsr-3932	156	27	and	and	CCONJ
fsr-3932	156	28	white	white	ADJ
fsr-3932	156	29	households	household	NOUN
fsr-3932	156	30	.	.	PUNCT
fsr-3932	157	1	this	this	DET
fsr-3932	157	2	difference	difference	NOUN
fsr-3932	157	3	remains	remain	VERB
fsr-3932	157	4	unexplained	unexplained	ADJ
fsr-3932	157	5	by	by	ADP
fsr-3932	157	6	income	income	NOUN
fsr-3932	157	7	,	,	PUNCT
fsr-3932	157	8	age	age	NOUN
fsr-3932	157	9	,	,	PUNCT
fsr-3932	157	10	or	or	CCONJ
fsr-3932	157	11	advancing	advance	VERB
fsr-3932	157	12	educational	educational	ADJ
fsr-3932	157	13	attainment	attainment	NOUN
fsr-3932	157	14	.	.	PUNCT
fsr-3932	158	1	consistent	consistent	ADJ
fsr-3932	158	2	with	with	ADP
fsr-3932	158	3	the	the	DET
fsr-3932	158	4	notion	notion	NOUN
fsr-3932	158	5	that	that	SCONJ
fsr-3932	158	6	black	black	ADJ
fsr-3932	158	7	families	family	NOUN
fsr-3932	158	8	focus	focus	VERB
fsr-3932	158	9	on	on	ADP
fsr-3932	158	10	near	near	ADJ
fsr-3932	158	11	-	-	PUNCT
fsr-3932	158	12	term	term	NOUN
fsr-3932	158	13	savings	saving	NOUN
fsr-3932	158	14	goals	goal	NOUN
fsr-3932	158	15	(	(	PUNCT
fsr-3932	158	16	lach	lach	PROPN
fsr-3932	158	17	,	,	PUNCT
fsr-3932	158	18	1999	1999	NUM
fsr-3932	158	19	)	)	PUNCT
fsr-3932	158	20	,	,	PUNCT
fsr-3932	158	21	the	the	DET
fsr-3932	158	22	use	use	NOUN
fsr-3932	158	23	of	of	ADP
fsr-3932	158	24	tax	tax	NOUN
fsr-3932	158	25	-	-	PUNCT
fsr-3932	158	26	advantaged	advantaged	ADJ
fsr-3932	158	27	retirement	retirement	NOUN
fsr-3932	158	28	savings	saving	NOUN
fsr-3932	158	29	vehicles	vehicle	NOUN
fsr-3932	158	30	such	such	ADJ
fsr-3932	158	31	as	as	ADP
fsr-3932	158	32	ira	ira	PROPN
fsr-3932	158	33	and	and	CCONJ
fsr-3932	158	34	keogh	keogh	PROPN
fsr-3932	158	35	accounts	account	NOUN
fsr-3932	158	36	is	be	AUX
fsr-3932	158	37	much	much	ADV
fsr-3932	158	38	less	less	ADV
fsr-3932	158	39	pronounced	pronounce	VERB
fsr-3932	158	40	across	across	ADP
fsr-3932	158	41	african	african	ADJ
fsr-3932	158	42	-	-	PUNCT
fsr-3932	158	43	american	american	ADJ
fsr-3932	158	44	families	family	NOUN
fsr-3932	158	45	.	.	PUNCT
fsr-3932	159	1	moreover	moreover	ADV
fsr-3932	159	2	,	,	PUNCT
fsr-3932	159	3	tables	table	VERB
fsr-3932	159	4	1	1	NUM
fsr-3932	159	5	through	through	ADP
fsr-3932	159	6	3	3	NUM
fsr-3932	159	7	illustrate	illustrate	VERB
fsr-3932	159	8	that	that	SCONJ
fsr-3932	159	9	the	the	DET
fsr-3932	159	10	retirement	retirement	NOUN
fsr-3932	159	11	savings	saving	NOUN
fsr-3932	159	12	gap	gap	NOUN
fsr-3932	159	13	does	do	AUX
fsr-3932	159	14	not	not	PART
fsr-3932	159	15	diminish	diminish	VERB
fsr-3932	159	16	with	with	ADP
fsr-3932	159	17	increasing	increase	VERB
fsr-3932	159	18	income	income	NOUN
fsr-3932	159	19	,	,	PUNCT
fsr-3932	159	20	household	household	NOUN
fsr-3932	159	21	age	age	NOUN
fsr-3932	159	22	,	,	PUNCT
fsr-3932	159	23	or	or	CCONJ
fsr-3932	159	24	increased	increase	VERB
fsr-3932	159	25	educational	educational	ADJ
fsr-3932	159	26	attainment	attainment	NOUN
fsr-3932	159	27	.	.	PUNCT
fsr-3932	160	1	while	while	SCONJ
fsr-3932	160	2	blacks	black	NOUN
fsr-3932	160	3	close	close	VERB
fsr-3932	160	4	much	much	ADJ
fsr-3932	160	5	of	of	ADP
fsr-3932	160	6	the	the	DET
fsr-3932	160	7	gap	gap	NOUN
fsr-3932	160	8	between	between	ADP
fsr-3932	160	9	differential	differential	ADJ
fsr-3932	160	10	residential	residential	ADJ
fsr-3932	160	11	property	property	NOUN
fsr-3932	160	12	values	value	NOUN
fsr-3932	160	13	as	as	ADP
fsr-3932	160	14	income	income	NOUN
fsr-3932	160	15	,	,	PUNCT
fsr-3932	160	16	household	household	NOUN
fsr-3932	160	17	age	age	NOUN
fsr-3932	160	18	,	,	PUNCT
fsr-3932	160	19	and	and	CCONJ
fsr-3932	160	20	educational	educational	ADJ
fsr-3932	160	21	attainment	attainment	ADJ
fsr-3932	160	22	levels	level	NOUN
fsr-3932	160	23	rise	rise	VERB
fsr-3932	160	24	;	;	PUNCT
fsr-3932	160	25	black	black	ADJ
fsr-3932	160	26	households	household	NOUN
fsr-3932	160	27	remain	remain	VERB
fsr-3932	160	28	severely	severely	ADV
fsr-3932	160	29	underinvested	underinvested	ADJ
fsr-3932	160	30	in	in	ADP
fsr-3932	160	31	retirement	retirement	NOUN
fsr-3932	160	32	wealthbuilding	wealthbuilde	VERB
fsr-3932	160	33	categories	category	NOUN
fsr-3932	160	34	.	.	PUNCT
fsr-3932	161	1	a	a	DET
fsr-3932	161	2	wide	wide	ADJ
fsr-3932	161	3	disparity	disparity	NOUN
fsr-3932	161	4	between	between	ADP
fsr-3932	161	5	the	the	DET
fsr-3932	161	6	ira	ira	PROPN
fsr-3932	161	7	/	/	SYM
fsr-3932	161	8	keogh	keogh	PROPN
fsr-3932	161	9	holdings	holding	NOUN
fsr-3932	161	10	of	of	ADP
fsr-3932	161	11	black	black	ADJ
fsr-3932	161	12	and	and	CCONJ
fsr-3932	161	13	white	white	ADJ
fsr-3932	161	14	households	household	NOUN
fsr-3932	161	15	persists	persist	VERB
fsr-3932	161	16	among	among	ADP
fsr-3932	161	17	even	even	ADV
fsr-3932	161	18	the	the	DET
fsr-3932	161	19	most	most	ADV
fsr-3932	161	20	affluent	affluent	ADJ
fsr-3932	161	21	,	,	PUNCT
fsr-3932	161	22	well	well	ADV
fsr-3932	161	23	-	-	PUNCT
fsr-3932	161	24	educated	educate	VERB
fsr-3932	161	25	black	black	ADJ
fsr-3932	161	26	households	household	NOUN
fsr-3932	161	27	.	.	PUNCT
fsr-3932	162	1	as	as	ADP
fsr-3932	162	2	a	a	DET
fsr-3932	162	3	final	final	ADJ
fsr-3932	162	4	point	point	NOUN
fsr-3932	162	5	of	of	ADP
fsr-3932	162	6	interest	interest	NOUN
fsr-3932	162	7	in	in	ADP
fsr-3932	162	8	table	table	NOUN
fsr-3932	162	9	1	1	NUM
fsr-3932	162	10	,	,	PUNCT
fsr-3932	162	11	it	it	PRON
fsr-3932	162	12	is	be	AUX
fsr-3932	162	13	noteworthy	noteworthy	ADJ
fsr-3932	162	14	that	that	SCONJ
fsr-3932	162	15	while	while	SCONJ
fsr-3932	162	16	real	real	ADJ
fsr-3932	162	17	estate	estate	NOUN
fsr-3932	162	18	ownership	ownership	NOUN
fsr-3932	162	19	is	be	AUX
fsr-3932	162	20	far	far	ADV
fsr-3932	162	21	more	more	ADV
fsr-3932	162	22	common	common	ADJ
fsr-3932	162	23	among	among	ADP
fsr-3932	162	24	lowerand	lowerand	ADJ
fsr-3932	162	25	middle	middle	ADJ
fsr-3932	162	26	-	-	PUNCT
fsr-3932	162	27	income	income	NOUN
fsr-3932	162	28	white	white	ADJ
fsr-3932	162	29	families	family	NOUN
fsr-3932	162	30	,	,	PUNCT
fsr-3932	162	31	the	the	DET
fsr-3932	162	32	use	use	NOUN
fsr-3932	162	33	of	of	ADP
fsr-3932	162	34	debt	debt	NOUN
fsr-3932	162	35	financing	financing	NOUN
fsr-3932	162	36	to	to	PART
fsr-3932	162	37	obtain	obtain	VERB
fsr-3932	162	38	personal	personal	ADJ
fsr-3932	162	39	real	real	ADJ
fsr-3932	162	40	estate	estate	NOUN
fsr-3932	162	41	is	be	AUX
fsr-3932	162	42	quite	quite	ADV
fsr-3932	162	43	similar	similar	ADJ
fsr-3932	162	44	across	across	ADP
fsr-3932	162	45	both	both	DET
fsr-3932	162	46	races	race	NOUN
fsr-3932	162	47	.	.	PUNCT
fsr-3932	163	1	following	follow	VERB
fsr-3932	163	2	the	the	DET
fsr-3932	163	3	convention	convention	NOUN
fsr-3932	163	4	suggested	suggest	VERB
fsr-3932	163	5	by	by	ADP
fsr-3932	163	6	reichenstein	reichenstein	NOUN
fsr-3932	163	7	(	(	PUNCT
fsr-3932	163	8	1998	1998	NUM
fsr-3932	163	9	)	)	PUNCT
fsr-3932	163	10	,	,	PUNCT
fsr-3932	163	11	who	who	PRON
fsr-3932	163	12	shows	show	VERB
fsr-3932	163	13	that	that	SCONJ
fsr-3932	163	14	time	time	NOUN
fsr-3932	163	15	-	-	PUNCT
fsr-3932	163	16	series	series	NOUN
fsr-3932	163	17	price	price	NOUN
fsr-3932	163	18	changes	change	NOUN
fsr-3932	163	19	in	in	ADP
fsr-3932	163	20	real	real	ADJ
fsr-3932	163	21	property	property	NOUN
fsr-3932	163	22	and	and	CCONJ
fsr-3932	163	23	the	the	DET
fsr-3932	163	24	corresponding	correspond	VERB
fsr-3932	163	25	mortgage	mortgage	NOUN
fsr-3932	163	26	instrument	instrument	NOUN
fsr-3932	163	27	used	use	VERB
fsr-3932	163	28	to	to	PART
fsr-3932	163	29	finance	finance	VERB
fsr-3932	163	30	the	the	DET
fsr-3932	163	31	property	property	NOUN
fsr-3932	163	32	do	do	AUX
fsr-3932	163	33	not	not	PART
fsr-3932	163	34	necessarily	necessarily	ADV
fsr-3932	163	35	move	move	VERB
fsr-3932	163	36	in	in	ADP
fsr-3932	163	37	lockstep	lockstep	NOUN
fsr-3932	163	38	,	,	PUNCT
fsr-3932	163	39	making	make	VERB
fsr-3932	163	40	it	it	PRON
fsr-3932	163	41	inappropriate	inappropriate	ADJ
fsr-3932	163	42	to	to	PART
fsr-3932	163	43	measure	measure	VERB
fsr-3932	163	44	the	the	DET
fsr-3932	163	45	equity	equity	NOUN
fsr-3932	163	46	position	position	NOUN
fsr-3932	163	47	in	in	ADP
fsr-3932	163	48	real	real	ADJ
fsr-3932	163	49	estate	estate	NOUN
fsr-3932	163	50	by	by	ADP
fsr-3932	163	51	netting	net	VERB
fsr-3932	163	52	current	current	ADJ
fsr-3932	163	53	mortgage	mortgage	NOUN
fsr-3932	163	54	balances	balance	NOUN
fsr-3932	163	55	against	against	ADP
fsr-3932	163	56	the	the	DET
fsr-3932	163	57	fair	fair	ADJ
fsr-3932	163	58	market	market	NOUN
fsr-3932	163	59	value	value	NOUN
fsr-3932	163	60	of	of	ADP
fsr-3932	163	61	real	real	ADJ
fsr-3932	163	62	property	property	NOUN
fsr-3932	163	63	,	,	PUNCT
fsr-3932	163	64	table	table	NOUN
fsr-3932	163	65	1	1	NUM
fsr-3932	163	66	reports	report	NOUN
fsr-3932	163	67	gross	gross	ADJ
fsr-3932	163	68	property	property	NOUN
fsr-3932	163	69	values	value	NOUN
fsr-3932	163	70	and	and	CCONJ
fsr-3932	163	71	mortgage	mortgage	NOUN
fsr-3932	163	72	balances	balance	NOUN
fsr-3932	163	73	associated	associate	VERB
fsr-3932	163	74	with	with	ADP
fsr-3932	163	75	these	these	DET
fsr-3932	163	76	investments	investment	NOUN
fsr-3932	163	77	separately	separately	ADV
fsr-3932	163	78	.	.	PUNCT
fsr-3932	164	1	examining	examine	VERB
fsr-3932	164	2	proportionate	proportionate	ADJ
fsr-3932	164	3	data	datum	NOUN
fsr-3932	164	4	describing	describe	VERB
fsr-3932	164	5	the	the	DET
fsr-3932	164	6	prevalence	prevalence	NOUN
fsr-3932	164	7	of	of	ADP
fsr-3932	164	8	mortgage	mortgage	NOUN
fsr-3932	164	9	debt	debt	NOUN
fsr-3932	164	10	across	across	ADP
fsr-3932	164	11	racial	racial	ADJ
fsr-3932	164	12	groups	group	NOUN
fsr-3932	164	13	in	in	ADP
fsr-3932	164	14	various	various	ADJ
fsr-3932	164	15	income	income	NOUN
fsr-3932	164	16	categories	category	NOUN
fsr-3932	164	17	reveals	reveal	VERB
fsr-3932	164	18	that	that	SCONJ
fsr-3932	164	19	the	the	DET
fsr-3932	164	20	incidence	incidence	NOUN
fsr-3932	164	21	of	of	ADP
fsr-3932	164	22	mortgage	mortgage	NOUN
fsr-3932	164	23	debt	debt	NOUN
fsr-3932	164	24	and	and	CCONJ
fsr-3932	164	25	the	the	DET
fsr-3932	164	26	magnitude	magnitude	NOUN
fsr-3932	164	27	of	of	ADP
fsr-3932	164	28	this	this	DET
fsr-3932	164	29	debt	debt	NOUN
fsr-3932	164	30	are	be	AUX
fsr-3932	164	31	frequently	frequently	ADV
fsr-3932	164	32	quite	quite	ADV
fsr-3932	164	33	similar	similar	ADJ
fsr-3932	164	34	for	for	ADP
fsr-3932	164	35	black	black	ADJ
fsr-3932	164	36	and	and	CCONJ
fsr-3932	164	37	white	white	ADJ
fsr-3932	164	38	families	family	NOUN
fsr-3932	164	39	.	.	PUNCT
fsr-3932	165	1	what	what	PRON
fsr-3932	165	2	is	be	AUX
fsr-3932	165	3	different	different	ADJ
fsr-3932	165	4	,	,	PUNCT
fsr-3932	165	5	however	however	ADV
fsr-3932	165	6	,	,	PUNCT
fsr-3932	165	7	is	be	AUX
fsr-3932	165	8	the	the	DET
fsr-3932	165	9	size	size	NOUN
fsr-3932	165	10	of	of	ADP
fsr-3932	165	11	mortgage	mortgage	NOUN
fsr-3932	165	12	debt	debt	NOUN
fsr-3932	165	13	relative	relative	ADJ
fsr-3932	165	14	to	to	ADP
fsr-3932	165	15	the	the	DET
fsr-3932	165	16	market	market	NOUN
fsr-3932	165	17	value	value	NOUN
fsr-3932	165	18	of	of	ADP
fsr-3932	165	19	real	real	ADJ
fsr-3932	165	20	property	property	NOUN
fsr-3932	165	21	encumbered	encumber	VERB
fsr-3932	165	22	by	by	ADP
fsr-3932	165	23	this	this	DET
fsr-3932	165	24	debt	debt	NOUN
fsr-3932	165	25	.	.	PUNCT
fsr-3932	166	1	across	across	ADP
fsr-3932	166	2	all	all	DET
fsr-3932	166	3	income	income	NOUN
fsr-3932	166	4	categories	category	NOUN
fsr-3932	166	5	,	,	PUNCT
fsr-3932	166	6	black	black	ADJ
fsr-3932	166	7	families	family	NOUN
fsr-3932	166	8	are	be	AUX
fsr-3932	166	9	more	more	ADV
fsr-3932	166	10	heavily	heavily	ADV
fsr-3932	166	11	leveraged	leveraged	ADJ
fsr-3932	166	12	that	that	SCONJ
fsr-3932	166	13	their	their	PRON
fsr-3932	166	14	white	white	ADJ
fsr-3932	166	15	counterparts	counterpart	NOUN
fsr-3932	166	16	,	,	PUNCT
fsr-3932	166	17	with	with	ADP
fsr-3932	166	18	reported	report	VERB
fsr-3932	166	19	mortgage	mortgage	NOUN
fsr-3932	166	20	balances	balance	NOUN
fsr-3932	166	21	representing	represent	VERB
fsr-3932	166	22	a	a	DET
fsr-3932	166	23	far	far	ADV
fsr-3932	166	24	larger	large	ADJ
fsr-3932	166	25	percentage	percentage	NOUN
fsr-3932	166	26	of	of	ADP
fsr-3932	166	27	the	the	DET
fsr-3932	166	28	value	value	NOUN
fsr-3932	166	29	of	of	ADP
fsr-3932	166	30	real	real	ADJ
fsr-3932	166	31	property	property	NOUN
fsr-3932	166	32	owned	own	VERB
fsr-3932	166	33	.	.	PUNCT
fsr-3932	167	1	turning	turn	VERB
fsr-3932	167	2	to	to	ADP
fsr-3932	167	3	the	the	DET
fsr-3932	167	4	results	result	NOUN
fsr-3932	167	5	shown	show	VERB
fsr-3932	167	6	in	in	ADP
fsr-3932	167	7	table	table	NOUN
fsr-3932	167	8	2	2	NUM
fsr-3932	167	9	,	,	PUNCT
fsr-3932	167	10	which	which	PRON
fsr-3932	167	11	reports	report	VERB
fsr-3932	167	12	asset	asset	NOUN
fsr-3932	167	13	holdings	holding	NOUN
fsr-3932	167	14	while	while	SCONJ
fsr-3932	167	15	controlling	control	VERB
fsr-3932	167	16	for	for	ADP
fsr-3932	167	17	353d.a	353d.a	NUM
fsr-3932	167	18	.	.	PUNCT
fsr-3932	168	1	plath	plath	NOUN
fsr-3932	168	2	,	,	PUNCT
fsr-3932	168	3	t.h	t.h	PROPN
fsr-3932	168	4	.	.	PROPN
fsr-3932	168	5	stevenson	stevenson	PROPN
fsr-3932	168	6	/	/	SYM
fsr-3932	168	7	financial	financial	ADJ
fsr-3932	168	8	services	service	NOUN
fsr-3932	168	9	review	review	VERB
fsr-3932	168	10	94	94	NUM
fsr-3932	168	11	(	(	PUNCT
fsr-3932	168	12	2000	2000	NUM
fsr-3932	168	13	)	)	PUNCT
fsr-3932	169	1	343–359	343–359	NUM
fsr-3932	169	2	differences	difference	NOUN
fsr-3932	169	3	in	in	ADP
fsr-3932	169	4	respondent	respondent	NOUN
fsr-3932	169	5	age	age	NOUN
fsr-3932	169	6	,	,	PUNCT
fsr-3932	169	7	we	we	PRON
fsr-3932	169	8	find	find	VERB
fsr-3932	169	9	results	result	NOUN
fsr-3932	169	10	similar	similar	ADJ
fsr-3932	169	11	to	to	ADP
fsr-3932	169	12	those	those	PRON
fsr-3932	169	13	offered	offer	VERB
fsr-3932	169	14	in	in	ADP
fsr-3932	169	15	the	the	DET
fsr-3932	169	16	income	income	NOUN
fsr-3932	169	17	stratification	stratification	NOUN
fsr-3932	169	18	sample	sample	NOUN
fsr-3932	169	19	.	.	PUNCT
fsr-3932	170	1	again	again	ADV
fsr-3932	170	2	,	,	PUNCT
fsr-3932	170	3	common	common	ADJ
fsr-3932	170	4	stock	stock	NOUN
fsr-3932	170	5	and	and	CCONJ
fsr-3932	170	6	corporate	corporate	ADJ
fsr-3932	170	7	bond	bond	NOUN
fsr-3932	170	8	holdings	holding	NOUN
fsr-3932	170	9	are	be	AUX
fsr-3932	170	10	quite	quite	ADV
fsr-3932	170	11	rare	rare	ADJ
fsr-3932	170	12	across	across	ADP
fsr-3932	170	13	african	african	ADJ
fsr-3932	170	14	-	-	PUNCT
fsr-3932	170	15	american	american	ADJ
fsr-3932	170	16	families	family	NOUN
fsr-3932	170	17	,	,	PUNCT
fsr-3932	170	18	regardless	regardless	ADV
fsr-3932	170	19	of	of	ADP
fsr-3932	170	20	respondents	respondent	NOUN
fsr-3932	170	21	’	'	PUNCT
fsr-3932	170	22	age	age	NOUN
fsr-3932	170	23	.	.	PUNCT
fsr-3932	171	1	while	while	SCONJ
fsr-3932	171	2	zhong	zhong	PROPN
fsr-3932	171	3	and	and	CCONJ
fsr-3932	171	4	xiao	xiao	PROPN
fsr-3932	171	5	(	(	PUNCT
fsr-3932	171	6	1995	1995	NUM
fsr-3932	171	7	)	)	PUNCT
fsr-3932	171	8	report	report	VERB
fsr-3932	171	9	an	an	DET
fsr-3932	171	10	increasing	increase	VERB
fsr-3932	171	11	likelihood	likelihood	NOUN
fsr-3932	171	12	of	of	ADP
fsr-3932	171	13	stock	stock	NOUN
fsr-3932	171	14	ownership	ownership	NOUN
fsr-3932	171	15	as	as	SCONJ
fsr-3932	171	16	respondent	respondent	NOUN
fsr-3932	171	17	age	age	NOUN
fsr-3932	171	18	increases	increase	VERB
fsr-3932	171	19	within	within	ADP
fsr-3932	171	20	the	the	DET
fsr-3932	171	21	african	african	ADJ
fsr-3932	171	22	-	-	PUNCT
fsr-3932	171	23	american	american	ADJ
fsr-3932	171	24	population	population	NOUN
fsr-3932	171	25	,	,	PUNCT
fsr-3932	171	26	table	table	NOUN
fsr-3932	171	27	2	2	NUM
fsr-3932	171	28	indicates	indicate	VERB
fsr-3932	171	29	that	that	SCONJ
fsr-3932	171	30	this	this	DET
fsr-3932	171	31	increase	increase	NOUN
fsr-3932	171	32	is	be	AUX
fsr-3932	171	33	really	really	ADV
fsr-3932	171	34	quite	quite	ADV
fsr-3932	171	35	modest	modest	ADJ
fsr-3932	171	36	.	.	PUNCT
fsr-3932	172	1	incidence	incidence	NOUN
fsr-3932	172	2	of	of	ADP
fsr-3932	172	3	stock	stock	NOUN
fsr-3932	172	4	ownership	ownership	NOUN
fsr-3932	172	5	within	within	ADP
fsr-3932	172	6	black	black	ADJ
fsr-3932	172	7	households	household	NOUN
fsr-3932	172	8	is	be	AUX
fsr-3932	172	9	8.9	8.9	NUM
fsr-3932	172	10	percent	percent	NOUN
fsr-3932	172	11	in	in	ADP
fsr-3932	172	12	the	the	DET
fsr-3932	172	13	group	group	NOUN
fsr-3932	172	14	of	of	ADP
fsr-3932	172	15	respondents	respondent	NOUN
fsr-3932	172	16	below	below	ADP
fsr-3932	172	17	35	35	NUM
fsr-3932	172	18	years	year	NOUN
fsr-3932	172	19	of	of	ADP
fsr-3932	172	20	age	age	NOUN
fsr-3932	172	21	,	,	PUNCT
fsr-3932	172	22	and	and	CCONJ
fsr-3932	172	23	this	this	DET
fsr-3932	172	24	proportion	proportion	NOUN
fsr-3932	172	25	actually	actually	ADV
fsr-3932	172	26	falls	fall	VERB
fsr-3932	172	27	to	to	ADP
fsr-3932	172	28	8	8	NUM
fsr-3932	172	29	percent	percent	NOUN
fsr-3932	172	30	in	in	ADP
fsr-3932	172	31	the	the	DET
fsr-3932	172	32	35	35	NUM
fsr-3932	172	33	-	-	PUNCT
fsr-3932	172	34	to-44	to-44	NOUN
fsr-3932	172	35	year	year	NOUN
fsr-3932	172	36	old	old	ADJ
fsr-3932	172	37	age	age	NOUN
fsr-3932	172	38	category	category	NOUN
fsr-3932	172	39	before	before	ADP
fsr-3932	172	40	peaking	peak	VERB
fsr-3932	172	41	at	at	ADP
fsr-3932	172	42	9.4	9.4	NUM
fsr-3932	172	43	percent	percent	NOUN
fsr-3932	172	44	among	among	ADP
fsr-3932	172	45	45	45	NUM
fsr-3932	172	46	-	-	PUNCT
fsr-3932	172	47	to-54	to-54	NUM
fsr-3932	172	48	year	year	NOUN
fsr-3932	172	49	old	old	ADJ
fsr-3932	172	50	respondents	respondent	NOUN
fsr-3932	172	51	and	and	CCONJ
fsr-3932	172	52	falling	fall	VERB
fsr-3932	172	53	to	to	ADP
fsr-3932	172	54	3.5	3.5	NUM
fsr-3932	172	55	percent	percent	NOUN
fsr-3932	172	56	among	among	ADP
fsr-3932	172	57	55	55	NUM
fsr-3932	172	58	-	-	PUNCT
fsr-3932	172	59	to-64	to-64	NUM
fsr-3932	172	60	year	year	NOUN
fsr-3932	172	61	old	old	ADJ
fsr-3932	172	62	respondents	respondent	NOUN
fsr-3932	172	63	and	and	CCONJ
fsr-3932	172	64	less	less	ADJ
fsr-3932	172	65	than	than	ADP
fsr-3932	172	66	1	1	NUM
fsr-3932	172	67	percent	percent	NOUN
fsr-3932	172	68	for	for	ADP
fsr-3932	172	69	respondents	respondent	NOUN
fsr-3932	172	70	aged	age	VERB
fsr-3932	172	71	65	65	NUM
fsr-3932	172	72	-	-	PUNCT
fsr-3932	172	73	to-74	to-74	NUM
fsr-3932	172	74	years	year	NOUN
fsr-3932	172	75	.	.	PUNCT
fsr-3932	173	1	a	a	DET
fsr-3932	173	2	much	much	ADV
fsr-3932	173	3	stronger	strong	ADJ
fsr-3932	173	4	relationship	relationship	NOUN
fsr-3932	173	5	between	between	ADP
fsr-3932	173	6	respondent	respondent	NOUN
fsr-3932	173	7	age	age	NOUN
fsr-3932	173	8	and	and	CCONJ
fsr-3932	173	9	the	the	DET
fsr-3932	173	10	likelihood	likelihood	NOUN
fsr-3932	173	11	of	of	ADP
fsr-3932	173	12	equity	equity	NOUN
fsr-3932	173	13	ownership	ownership	NOUN
fsr-3932	173	14	emerges	emerge	VERB
fsr-3932	173	15	within	within	ADP
fsr-3932	173	16	white	white	ADJ
fsr-3932	173	17	families	family	NOUN
fsr-3932	173	18	.	.	PUNCT
fsr-3932	174	1	here	here	ADV
fsr-3932	174	2	,	,	PUNCT
fsr-3932	174	3	the	the	DET
fsr-3932	174	4	incidence	incidence	NOUN
fsr-3932	174	5	of	of	ADP
fsr-3932	174	6	stock	stock	NOUN
fsr-3932	174	7	ownership	ownership	NOUN
fsr-3932	174	8	is	be	AUX
fsr-3932	174	9	15.2	15.2	NUM
fsr-3932	174	10	percent	percent	NOUN
fsr-3932	174	11	for	for	ADP
fsr-3932	174	12	respondents	respondent	NOUN
fsr-3932	174	13	below	below	ADP
fsr-3932	174	14	age	age	NOUN
fsr-3932	174	15	35	35	NUM
fsr-3932	174	16	,	,	PUNCT
fsr-3932	174	17	increasing	increase	VERB
fsr-3932	174	18	to	to	ADP
fsr-3932	174	19	21.8	21.8	NUM
fsr-3932	174	20	percent	percent	NOUN
fsr-3932	174	21	for	for	ADP
fsr-3932	174	22	respondents	respondent	NOUN
fsr-3932	174	23	between	between	ADP
fsr-3932	174	24	35	35	NUM
fsr-3932	174	25	and	and	CCONJ
fsr-3932	174	26	44	44	NUM
fsr-3932	174	27	years	year	NOUN
fsr-3932	174	28	old	old	ADJ
fsr-3932	174	29	,	,	PUNCT
fsr-3932	174	30	25.6	25.6	NUM
fsr-3932	174	31	percent	percent	NOUN
fsr-3932	174	32	for	for	ADP
fsr-3932	174	33	respondents	respondent	NOUN
fsr-3932	174	34	aged	age	VERB
fsr-3932	174	35	45	45	NUM
fsr-3932	174	36	to	to	PART
fsr-3932	174	37	54	54	NUM
fsr-3932	174	38	years	year	NOUN
fsr-3932	174	39	,	,	PUNCT
fsr-3932	174	40	and	and	CCONJ
fsr-3932	174	41	29.2	29.2	NUM
fsr-3932	174	42	percent	percent	NOUN
fsr-3932	174	43	for	for	ADP
fsr-3932	174	44	respondents	respondent	NOUN
fsr-3932	174	45	aged	age	VERB
fsr-3932	174	46	55	55	NUM
fsr-3932	174	47	to	to	PART
fsr-3932	174	48	64	64	NUM
fsr-3932	174	49	years	year	NOUN
fsr-3932	174	50	before	before	SCONJ
fsr-3932	174	51	it	it	PRON
fsr-3932	174	52	declines	decline	VERB
fsr-3932	174	53	to	to	ADP
fsr-3932	174	54	24.1	24.1	NUM
fsr-3932	174	55	percent	percent	NOUN
fsr-3932	174	56	for	for	ADP
fsr-3932	174	57	respondents	respondent	NOUN
fsr-3932	174	58	aged	age	VERB
fsr-3932	174	59	65	65	NUM
fsr-3932	174	60	to	to	PART
fsr-3932	174	61	74	74	NUM
fsr-3932	174	62	years	year	NOUN
fsr-3932	174	63	.	.	PUNCT
fsr-3932	175	1	for	for	ADP
fsr-3932	175	2	both	both	CCONJ
fsr-3932	175	3	racial	racial	ADJ
fsr-3932	175	4	groups	group	NOUN
fsr-3932	175	5	,	,	PUNCT
fsr-3932	175	6	an	an	DET
fsr-3932	175	7	inverted	inverted	ADJ
fsr-3932	175	8	u	u	NOUN
fsr-3932	175	9	-	-	NOUN
fsr-3932	175	10	shape	shape	NOUN
fsr-3932	175	11	characterizes	characterize	VERB
fsr-3932	175	12	the	the	DET
fsr-3932	175	13	relationship	relationship	NOUN
fsr-3932	175	14	between	between	ADP
fsr-3932	175	15	respondent	respondent	NOUN
fsr-3932	175	16	age	age	NOUN
fsr-3932	175	17	and	and	CCONJ
fsr-3932	175	18	equity	equity	NOUN
fsr-3932	175	19	holdings	holding	NOUN
fsr-3932	175	20	,	,	PUNCT
fsr-3932	175	21	although	although	SCONJ
fsr-3932	175	22	the	the	DET
fsr-3932	175	23	trend	trend	NOUN
fsr-3932	175	24	is	be	AUX
fsr-3932	175	25	much	much	ADV
fsr-3932	175	26	more	more	ADV
fsr-3932	175	27	pronounced	pronounce	VERB
fsr-3932	175	28	across	across	ADP
fsr-3932	175	29	white	white	ADJ
fsr-3932	175	30	households	household	NOUN
fsr-3932	175	31	.	.	PUNCT
fsr-3932	176	1	interestingly	interestingly	ADV
fsr-3932	176	2	,	,	PUNCT
fsr-3932	176	3	a	a	DET
fsr-3932	176	4	similar	similar	ADJ
fsr-3932	176	5	inverted	inverted	ADJ
fsr-3932	176	6	u	u	NOUN
fsr-3932	176	7	-	-	NOUN
fsr-3932	176	8	shape	shape	NOUN
fsr-3932	176	9	describes	describe	VERB
fsr-3932	176	10	the	the	DET
fsr-3932	176	11	relationship	relationship	NOUN
fsr-3932	176	12	between	between	ADP
fsr-3932	176	13	respondent	respondent	NOUN
fsr-3932	176	14	age	age	NOUN
fsr-3932	176	15	and	and	CCONJ
fsr-3932	176	16	household	household	NOUN
fsr-3932	176	17	investment	investment	NOUN
fsr-3932	176	18	in	in	ADP
fsr-3932	176	19	equity	equity	NOUN
fsr-3932	176	20	mutual	mutual	ADJ
fsr-3932	176	21	funds	fund	NOUN
fsr-3932	176	22	,	,	PUNCT
fsr-3932	176	23	although	although	SCONJ
fsr-3932	176	24	for	for	ADP
fsr-3932	176	25	most	most	ADJ
fsr-3932	176	26	age	age	NOUN
fsr-3932	176	27	groups	group	NOUN
fsr-3932	176	28	,	,	PUNCT
fsr-3932	176	29	the	the	DET
fsr-3932	176	30	incidence	incidence	NOUN
fsr-3932	176	31	of	of	ADP
fsr-3932	176	32	mutual	mutual	ADJ
fsr-3932	176	33	fund	fund	NOUN
fsr-3932	176	34	ownership	ownership	NOUN
fsr-3932	176	35	is	be	AUX
fsr-3932	176	36	surprisingly	surprisingly	ADV
fsr-3932	176	37	below	below	ADP
fsr-3932	176	38	the	the	DET
fsr-3932	176	39	rate	rate	NOUN
fsr-3932	176	40	of	of	ADP
fsr-3932	176	41	individual	individual	ADJ
fsr-3932	176	42	stock	stock	NOUN
fsr-3932	176	43	ownership	ownership	NOUN
fsr-3932	176	44	.	.	PUNCT
fsr-3932	177	1	this	this	DET
fsr-3932	177	2	trend	trend	NOUN
fsr-3932	177	3	holds	hold	VERB
fsr-3932	177	4	for	for	ADP
fsr-3932	177	5	both	both	CCONJ
fsr-3932	177	6	white	white	ADJ
fsr-3932	177	7	and	and	CCONJ
fsr-3932	177	8	black	black	ADJ
fsr-3932	177	9	consumer	consumer	NOUN
fsr-3932	177	10	groups	group	NOUN
fsr-3932	177	11	in	in	ADP
fsr-3932	177	12	the	the	DET
fsr-3932	177	13	scf	scf	PROPN
fsr-3932	177	14	sample	sample	NOUN
fsr-3932	177	15	.	.	PUNCT
fsr-3932	178	1	in	in	ADP
fsr-3932	178	2	the	the	DET
fsr-3932	178	3	case	case	NOUN
fsr-3932	178	4	of	of	ADP
fsr-3932	178	5	individual	individual	ADJ
fsr-3932	178	6	equity	equity	NOUN
fsr-3932	178	7	holdings	holding	NOUN
fsr-3932	178	8	and	and	CCONJ
fsr-3932	178	9	equity	equity	NOUN
fsr-3932	178	10	fund	fund	NOUN
fsr-3932	178	11	holdings	holding	NOUN
fsr-3932	178	12	,	,	PUNCT
fsr-3932	178	13	the	the	DET
fsr-3932	178	14	inverted	inverted	ADJ
fsr-3932	178	15	u	u	NOUN
fsr-3932	178	16	-	-	NOUN
fsr-3932	178	17	shape	shape	NOUN
fsr-3932	178	18	profile	profile	NOUN
fsr-3932	178	19	corroborates	corroborate	VERB
fsr-3932	178	20	the	the	DET
fsr-3932	178	21	most	most	ADV
fsr-3932	178	22	recent	recent	ADJ
fsr-3932	178	23	research	research	NOUN
fsr-3932	178	24	results	result	NOUN
fsr-3932	178	25	reported	report	VERB
fsr-3932	178	26	in	in	ADP
fsr-3932	178	27	gutter	gutter	NOUN
fsr-3932	178	28	et	et	PROPN
fsr-3932	178	29	al	al	PROPN
fsr-3932	178	30	.	.	PUNCT
fsr-3932	179	1	(	(	PUNCT
fsr-3932	179	2	1999	1999	NUM
fsr-3932	179	3	)	)	PUNCT
fsr-3932	179	4	,	,	PUNCT
fsr-3932	179	5	while	while	SCONJ
fsr-3932	179	6	contradicting	contradict	VERB
fsr-3932	179	7	the	the	DET
fsr-3932	179	8	work	work	NOUN
fsr-3932	179	9	of	of	ADP
fsr-3932	179	10	zhong	zhong	PROPN
fsr-3932	179	11	and	and	CCONJ
fsr-3932	179	12	xiao	xiao	PROPN
fsr-3932	179	13	(	(	PUNCT
fsr-3932	179	14	1995	1995	NUM
fsr-3932	179	15	)	)	PUNCT
fsr-3932	179	16	and	and	CCONJ
fsr-3932	179	17	morrin	morrin	NOUN
fsr-3932	179	18	and	and	CCONJ
fsr-3932	179	19	suarez	suarez	PROPN
fsr-3932	179	20	(	(	PUNCT
fsr-3932	179	21	1983	1983	NUM
fsr-3932	179	22	)	)	PUNCT
fsr-3932	179	23	.	.	PUNCT
fsr-3932	180	1	using	use	VERB
fsr-3932	180	2	equity	equity	NOUN
fsr-3932	180	3	security	security	NOUN
fsr-3932	180	4	holdings	holding	NOUN
fsr-3932	180	5	as	as	ADP
fsr-3932	180	6	a	a	DET
fsr-3932	180	7	proxy	proxy	NOUN
fsr-3932	180	8	for	for	ADP
fsr-3932	180	9	investment	investment	NOUN
fsr-3932	180	10	risk	risk	NOUN
fsr-3932	180	11	tolerance	tolerance	NOUN
fsr-3932	180	12	,	,	PUNCT
fsr-3932	180	13	it	it	PRON
fsr-3932	180	14	appears	appear	VERB
fsr-3932	180	15	that	that	SCONJ
fsr-3932	180	16	risk	risk	NOUN
fsr-3932	180	17	tolerance	tolerance	NOUN
fsr-3932	180	18	first	first	ADJ
fsr-3932	180	19	increases	increase	VERB
fsr-3932	180	20	with	with	ADP
fsr-3932	180	21	increasing	increase	VERB
fsr-3932	180	22	age	age	NOUN
fsr-3932	180	23	,	,	PUNCT
fsr-3932	180	24	reaches	reach	VERB
fsr-3932	180	25	a	a	DET
fsr-3932	180	26	maximum	maximum	NOUN
fsr-3932	180	27	somewhere	somewhere	ADV
fsr-3932	180	28	between	between	ADP
fsr-3932	180	29	age	age	NOUN
fsr-3932	180	30	45	45	NUM
fsr-3932	180	31	and	and	CCONJ
fsr-3932	180	32	64	64	NUM
fsr-3932	180	33	,	,	PUNCT
fsr-3932	180	34	and	and	CCONJ
fsr-3932	180	35	then	then	ADV
fsr-3932	180	36	diminishes	diminish	VERB
fsr-3932	180	37	with	with	ADP
fsr-3932	180	38	further	further	ADJ
fsr-3932	180	39	increases	increase	NOUN
fsr-3932	180	40	in	in	ADP
fsr-3932	180	41	age	age	NOUN
fsr-3932	180	42	.	.	PUNCT
fsr-3932	181	1	the	the	DET
fsr-3932	181	2	age	age	NOUN
fsr-3932	181	3	at	at	ADP
fsr-3932	181	4	which	which	PRON
fsr-3932	181	5	risk	risk	NOUN
fsr-3932	181	6	tolerance	tolerance	NOUN
fsr-3932	181	7	appears	appear	VERB
fsr-3932	181	8	to	to	PART
fsr-3932	181	9	reach	reach	VERB
fsr-3932	181	10	a	a	DET
fsr-3932	181	11	maximum	maximum	NOUN
fsr-3932	181	12	is	be	AUX
fsr-3932	181	13	lower	low	ADJ
fsr-3932	181	14	for	for	ADP
fsr-3932	181	15	black	black	ADJ
fsr-3932	181	16	households	household	NOUN
fsr-3932	181	17	,	,	PUNCT
fsr-3932	181	18	at	at	ADP
fsr-3932	181	19	somewhere	somewhere	ADV
fsr-3932	181	20	between	between	ADP
fsr-3932	181	21	45	45	NUM
fsr-3932	181	22	and	and	CCONJ
fsr-3932	181	23	54	54	NUM
fsr-3932	181	24	years	year	NOUN
fsr-3932	181	25	of	of	ADP
fsr-3932	181	26	age	age	NOUN
fsr-3932	181	27	,	,	PUNCT
fsr-3932	181	28	than	than	SCONJ
fsr-3932	181	29	it	it	PRON
fsr-3932	181	30	is	be	AUX
fsr-3932	181	31	for	for	ADP
fsr-3932	181	32	white	white	ADJ
fsr-3932	181	33	households	household	NOUN
fsr-3932	181	34	,	,	PUNCT
fsr-3932	181	35	at	at	ADP
fsr-3932	181	36	somewhere	somewhere	ADV
fsr-3932	181	37	between	between	ADP
fsr-3932	181	38	55	55	NUM
fsr-3932	181	39	and	and	CCONJ
fsr-3932	181	40	64	64	NUM
fsr-3932	181	41	years	year	NOUN
fsr-3932	181	42	of	of	ADP
fsr-3932	181	43	age	age	NOUN
fsr-3932	181	44	.	.	PUNCT
fsr-3932	182	1	turning	turn	VERB
fsr-3932	182	2	to	to	ADP
fsr-3932	182	3	differences	difference	NOUN
fsr-3932	182	4	in	in	ADP
fsr-3932	182	5	the	the	DET
fsr-3932	182	6	dollar	dollar	NOUN
fsr-3932	182	7	value	value	NOUN
fsr-3932	182	8	of	of	ADP
fsr-3932	182	9	equity	equity	NOUN
fsr-3932	182	10	holdings	holding	NOUN
fsr-3932	182	11	across	across	ADP
fsr-3932	182	12	the	the	DET
fsr-3932	182	13	two	two	NUM
fsr-3932	182	14	racial	racial	ADJ
fsr-3932	182	15	groups	group	NOUN
fsr-3932	182	16	,	,	PUNCT
fsr-3932	182	17	it	it	PRON
fsr-3932	182	18	is	be	AUX
fsr-3932	182	19	clear	clear	ADJ
fsr-3932	182	20	that	that	SCONJ
fsr-3932	182	21	black	black	ADJ
fsr-3932	182	22	households	household	NOUN
fsr-3932	182	23	are	be	AUX
fsr-3932	182	24	seriously	seriously	ADV
fsr-3932	182	25	underinvested	underinvested	ADJ
fsr-3932	182	26	in	in	ADP
fsr-3932	182	27	equities	equity	NOUN
fsr-3932	182	28	,	,	PUNCT
fsr-3932	182	29	and	and	CCONJ
fsr-3932	182	30	this	this	DET
fsr-3932	182	31	difference	difference	NOUN
fsr-3932	182	32	persists	persist	VERB
fsr-3932	182	33	across	across	ADP
fsr-3932	182	34	all	all	DET
fsr-3932	182	35	age	age	NOUN
fsr-3932	182	36	groups	group	NOUN
fsr-3932	182	37	observed	observe	VERB
fsr-3932	182	38	in	in	ADP
fsr-3932	182	39	the	the	DET
fsr-3932	182	40	scf	scf	PROPN
fsr-3932	182	41	dataset	dataset	NOUN
fsr-3932	182	42	.	.	PUNCT
fsr-3932	183	1	for	for	ADP
fsr-3932	183	2	black	black	ADJ
fsr-3932	183	3	households	household	NOUN
fsr-3932	183	4	the	the	DET
fsr-3932	183	5	mean	mean	ADJ
fsr-3932	183	6	equity	equity	NOUN
fsr-3932	183	7	investment	investment	NOUN
fsr-3932	183	8	starts	start	VERB
fsr-3932	183	9	at	at	ADP
fsr-3932	183	10	$	$	SYM
fsr-3932	183	11	490	490	NUM
fsr-3932	183	12	for	for	ADP
fsr-3932	183	13	respondents	respondent	NOUN
fsr-3932	183	14	below	below	ADP
fsr-3932	183	15	age	age	NOUN
fsr-3932	183	16	35	35	NUM
fsr-3932	183	17	,	,	PUNCT
fsr-3932	183	18	and	and	CCONJ
fsr-3932	183	19	rises	rise	VERB
fsr-3932	183	20	to	to	ADP
fsr-3932	183	21	only	only	ADV
fsr-3932	183	22	$	$	SYM
fsr-3932	183	23	8,655	8,655	NUM
fsr-3932	183	24	for	for	ADP
fsr-3932	183	25	respondents	respondent	NOUN
fsr-3932	183	26	between	between	ADP
fsr-3932	183	27	45	45	NUM
fsr-3932	183	28	and	and	CCONJ
fsr-3932	183	29	54	54	NUM
fsr-3932	183	30	years	year	NOUN
fsr-3932	183	31	of	of	ADP
fsr-3932	183	32	age	age	NOUN
fsr-3932	183	33	before	before	ADP
fsr-3932	183	34	beginning	begin	VERB
fsr-3932	183	35	to	to	PART
fsr-3932	183	36	decline	decline	VERB
fsr-3932	183	37	at	at	ADP
fsr-3932	183	38	higher	high	ADJ
fsr-3932	183	39	age	age	NOUN
fsr-3932	183	40	levels	level	NOUN
fsr-3932	183	41	as	as	SCONJ
fsr-3932	183	42	households	household	NOUN
fsr-3932	183	43	seek	seek	VERB
fsr-3932	183	44	greater	great	ADJ
fsr-3932	183	45	financial	financial	ADJ
fsr-3932	183	46	liquidity	liquidity	NOUN
fsr-3932	183	47	and	and	CCONJ
fsr-3932	183	48	investment	investment	NOUN
fsr-3932	183	49	safety	safety	NOUN
fsr-3932	183	50	with	with	ADP
fsr-3932	183	51	advancing	advance	VERB
fsr-3932	183	52	age	age	NOUN
fsr-3932	183	53	.	.	PUNCT
fsr-3932	184	1	in	in	ADP
fsr-3932	184	2	contrast	contrast	NOUN
fsr-3932	184	3	,	,	PUNCT
fsr-3932	184	4	white	white	ADJ
fsr-3932	184	5	households	household	NOUN
fsr-3932	184	6	begin	begin	VERB
fsr-3932	184	7	with	with	ADP
fsr-3932	184	8	a	a	DET
fsr-3932	184	9	mean	mean	ADJ
fsr-3932	184	10	equity	equity	NOUN
fsr-3932	184	11	investment	investment	NOUN
fsr-3932	184	12	of	of	ADP
fsr-3932	184	13	$	$	SYM
fsr-3932	184	14	6,797	6,797	NUM
fsr-3932	184	15	for	for	ADP
fsr-3932	184	16	respondents	respondent	NOUN
fsr-3932	184	17	below	below	ADP
fsr-3932	184	18	age	age	NOUN
fsr-3932	184	19	35	35	NUM
fsr-3932	184	20	,	,	PUNCT
fsr-3932	184	21	and	and	CCONJ
fsr-3932	184	22	this	this	DET
fsr-3932	184	23	investment	investment	NOUN
fsr-3932	184	24	grows	grow	VERB
fsr-3932	184	25	to	to	ADP
fsr-3932	184	26	a	a	DET
fsr-3932	184	27	maximum	maximum	NOUN
fsr-3932	184	28	of	of	ADP
fsr-3932	184	29	$	$	SYM
fsr-3932	184	30	83,278	83,278	NUM
fsr-3932	184	31	for	for	ADP
fsr-3932	184	32	respondents	respondent	NOUN
fsr-3932	184	33	between	between	ADP
fsr-3932	184	34	the	the	DET
fsr-3932	184	35	ages	age	NOUN
fsr-3932	184	36	of	of	ADP
fsr-3932	184	37	55	55	NUM
fsr-3932	184	38	and	and	CCONJ
fsr-3932	184	39	64	64	NUM
fsr-3932	184	40	before	before	SCONJ
fsr-3932	184	41	it	it	PRON
fsr-3932	184	42	begins	begin	VERB
fsr-3932	184	43	to	to	PART
fsr-3932	184	44	decline	decline	VERB
fsr-3932	184	45	.	.	PUNCT
fsr-3932	185	1	clearly	clearly	ADV
fsr-3932	185	2	,	,	PUNCT
fsr-3932	185	3	white	white	ADJ
fsr-3932	185	4	households	household	NOUN
fsr-3932	185	5	place	place	VERB
fsr-3932	185	6	a	a	DET
fsr-3932	185	7	larger	large	ADJ
fsr-3932	185	8	quantity	quantity	NOUN
fsr-3932	185	9	of	of	ADP
fsr-3932	185	10	financial	financial	ADJ
fsr-3932	185	11	resources	resource	NOUN
fsr-3932	185	12	in	in	ADP
fsr-3932	185	13	equity	equity	NOUN
fsr-3932	185	14	investments	investment	NOUN
fsr-3932	185	15	,	,	PUNCT
fsr-3932	185	16	use	use	VERB
fsr-3932	185	17	these	these	DET
fsr-3932	185	18	investments	investment	NOUN
fsr-3932	185	19	to	to	PART
fsr-3932	185	20	realize	realize	VERB
fsr-3932	185	21	a	a	DET
fsr-3932	185	22	larger	large	ADJ
fsr-3932	185	23	absolute	absolute	ADJ
fsr-3932	185	24	level	level	NOUN
fsr-3932	185	25	of	of	ADP
fsr-3932	185	26	capital	capital	NOUN
fsr-3932	185	27	appreciation	appreciation	NOUN
fsr-3932	185	28	,	,	PUNCT
fsr-3932	185	29	and	and	CCONJ
fsr-3932	185	30	begin	begin	VERB
fsr-3932	185	31	liquidating	liquidate	VERB
fsr-3932	185	32	these	these	DET
fsr-3932	185	33	equity	equity	NOUN
fsr-3932	185	34	holdings	holding	NOUN
fsr-3932	185	35	in	in	ADP
fsr-3932	185	36	favor	favor	NOUN
fsr-3932	185	37	of	of	ADP
fsr-3932	185	38	safer	safe	ADJ
fsr-3932	185	39	,	,	PUNCT
fsr-3932	185	40	more	more	ADV
fsr-3932	185	41	liquid	liquid	ADJ
fsr-3932	185	42	financial	financial	ADJ
fsr-3932	185	43	assets	asset	NOUN
fsr-3932	185	44	later	later	ADV
fsr-3932	185	45	in	in	ADP
fsr-3932	185	46	life	life	NOUN
fsr-3932	185	47	than	than	ADP
fsr-3932	185	48	their	their	PRON
fsr-3932	185	49	black	black	ADJ
fsr-3932	185	50	counterparts	counterpart	NOUN
fsr-3932	185	51	.	.	PUNCT
fsr-3932	186	1	the	the	DET
fsr-3932	186	2	limited	limited	ADJ
fsr-3932	186	3	presence	presence	NOUN
fsr-3932	186	4	of	of	ADP
fsr-3932	186	5	corporate	corporate	ADJ
fsr-3932	186	6	debt	debt	NOUN
fsr-3932	186	7	and	and	CCONJ
fsr-3932	186	8	equity	equity	NOUN
fsr-3932	186	9	investments	investment	NOUN
fsr-3932	186	10	in	in	ADP
fsr-3932	186	11	african	african	ADJ
fsr-3932	186	12	-	-	PUNCT
fsr-3932	186	13	american	american	ADJ
fsr-3932	186	14	households	household	NOUN
fsr-3932	186	15	and	and	CCONJ
fsr-3932	186	16	the	the	DET
fsr-3932	186	17	354	354	NUM
fsr-3932	186	18	d.a	d.a	PROPN
fsr-3932	186	19	.	.	PROPN
fsr-3932	186	20	plath	plath	PROPN
fsr-3932	186	21	,	,	PUNCT
fsr-3932	186	22	t.h	t.h	PROPN
fsr-3932	186	23	.	.	PROPN
fsr-3932	186	24	stevenson	stevenson	PROPN
fsr-3932	186	25	/	/	SYM
fsr-3932	186	26	financial	financial	ADJ
fsr-3932	186	27	services	service	NOUN
fsr-3932	186	28	review	review	VERB
fsr-3932	186	29	94	94	NUM
fsr-3932	186	30	(	(	PUNCT
fsr-3932	186	31	2000	2000	NUM
fsr-3932	186	32	)	)	PUNCT
fsr-3932	186	33	343–359	343–359	NUM
fsr-3932	186	34	limited	limit	VERB
fsr-3932	186	35	time	time	NOUN
fsr-3932	186	36	period	period	NOUN
fsr-3932	186	37	over	over	ADP
fsr-3932	186	38	which	which	PRON
fsr-3932	186	39	these	these	DET
fsr-3932	186	40	families	family	NOUN
fsr-3932	186	41	invest	invest	VERB
fsr-3932	186	42	in	in	ADP
fsr-3932	186	43	higher	higher	ADV
fsr-3932	186	44	-	-	PUNCT
fsr-3932	186	45	yielding	yield	VERB
fsr-3932	186	46	assets	asset	NOUN
fsr-3932	186	47	severely	severely	ADV
fsr-3932	186	48	limits	limit	VERB
fsr-3932	186	49	the	the	DET
fsr-3932	186	50	ability	ability	NOUN
fsr-3932	186	51	of	of	ADP
fsr-3932	186	52	these	these	DET
fsr-3932	186	53	households	household	NOUN
fsr-3932	186	54	to	to	PART
fsr-3932	186	55	build	build	VERB
fsr-3932	186	56	wealth	wealth	NOUN
fsr-3932	186	57	over	over	ADP
fsr-3932	186	58	time	time	NOUN
fsr-3932	186	59	.	.	PUNCT
fsr-3932	187	1	examining	examine	VERB
fsr-3932	187	2	real	real	ADJ
fsr-3932	187	3	estate	estate	NOUN
fsr-3932	187	4	holdings	holding	NOUN
fsr-3932	187	5	,	,	PUNCT
fsr-3932	187	6	respondent	respondent	NOUN
fsr-3932	187	7	age	age	NOUN
fsr-3932	187	8	appears	appear	VERB
fsr-3932	187	9	to	to	PART
fsr-3932	187	10	influence	influence	VERB
fsr-3932	187	11	the	the	DET
fsr-3932	187	12	rate	rate	NOUN
fsr-3932	187	13	at	at	ADP
fsr-3932	187	14	which	which	PRON
fsr-3932	187	15	families	family	NOUN
fsr-3932	187	16	first	first	ADV
fsr-3932	187	17	acquire	acquire	VERB
fsr-3932	187	18	real	real	ADJ
fsr-3932	187	19	property	property	NOUN
fsr-3932	187	20	.	.	PUNCT
fsr-3932	188	1	while	while	SCONJ
fsr-3932	188	2	black	black	ADJ
fsr-3932	188	3	respondents	respondent	NOUN
fsr-3932	188	4	consistently	consistently	ADV
fsr-3932	188	5	lag	lag	VERB
fsr-3932	188	6	their	their	PRON
fsr-3932	188	7	white	white	ADJ
fsr-3932	188	8	counterparts	counterpart	NOUN
fsr-3932	188	9	in	in	ADP
fsr-3932	188	10	the	the	DET
fsr-3932	188	11	sample	sample	NOUN
fsr-3932	188	12	proportions	proportion	NOUN
fsr-3932	188	13	reporting	report	VERB
fsr-3932	188	14	ownership	ownership	NOUN
fsr-3932	188	15	of	of	ADP
fsr-3932	188	16	residential	residential	ADJ
fsr-3932	188	17	real	real	ADJ
fsr-3932	188	18	estate	estate	NOUN
fsr-3932	188	19	,	,	PUNCT
fsr-3932	188	20	the	the	DET
fsr-3932	188	21	gap	gap	NOUN
fsr-3932	188	22	between	between	ADP
fsr-3932	188	23	the	the	DET
fsr-3932	188	24	races	race	NOUN
fsr-3932	188	25	is	be	AUX
fsr-3932	188	26	widest	widest	ADJ
fsr-3932	188	27	for	for	ADP
fsr-3932	188	28	younger	young	ADJ
fsr-3932	188	29	respondents	respondent	NOUN
fsr-3932	188	30	.	.	PUNCT
fsr-3932	189	1	in	in	ADP
fsr-3932	189	2	addition	addition	NOUN
fsr-3932	189	3	,	,	PUNCT
fsr-3932	189	4	the	the	DET
fsr-3932	189	5	proportion	proportion	NOUN
fsr-3932	189	6	of	of	ADP
fsr-3932	189	7	black	black	ADJ
fsr-3932	189	8	households	household	NOUN
fsr-3932	189	9	owning	own	VERB
fsr-3932	189	10	residential	residential	ADJ
fsr-3932	189	11	property	property	NOUN
fsr-3932	189	12	accelerates	accelerate	VERB
fsr-3932	189	13	dramatically	dramatically	ADV
fsr-3932	189	14	between	between	ADP
fsr-3932	189	15	the	the	DET
fsr-3932	189	16	45	45	NUM
fsr-3932	189	17	-	-	PUNCT
fsr-3932	189	18	to-54	to-54	NUM
fsr-3932	189	19	year	year	NOUN
fsr-3932	189	20	old	old	ADJ
fsr-3932	189	21	age	age	NOUN
fsr-3932	189	22	category	category	NOUN
fsr-3932	189	23	and	and	CCONJ
fsr-3932	189	24	the	the	DET
fsr-3932	189	25	54	54	NUM
fsr-3932	189	26	-	-	PUNCT
fsr-3932	189	27	to-64	to-64	NUM
fsr-3932	189	28	year	year	NOUN
fsr-3932	189	29	old	old	ADJ
fsr-3932	189	30	group	group	NOUN
fsr-3932	189	31	,	,	PUNCT
fsr-3932	189	32	while	while	SCONJ
fsr-3932	189	33	corresponding	corresponding	ADJ
fsr-3932	189	34	changes	change	NOUN
fsr-3932	189	35	in	in	ADP
fsr-3932	189	36	property	property	NOUN
fsr-3932	189	37	ownership	ownership	NOUN
fsr-3932	189	38	proportions	proportion	NOUN
fsr-3932	189	39	reported	report	VERB
fsr-3932	189	40	by	by	ADP
fsr-3932	189	41	white	white	ADJ
fsr-3932	189	42	families	family	NOUN
fsr-3932	189	43	is	be	AUX
fsr-3932	189	44	a	a	DET
fsr-3932	189	45	much	much	ADV
fsr-3932	189	46	smaller	small	ADJ
fsr-3932	189	47	increase	increase	NOUN
fsr-3932	189	48	across	across	ADP
fsr-3932	189	49	these	these	DET
fsr-3932	189	50	two	two	NUM
fsr-3932	189	51	age	age	NOUN
fsr-3932	189	52	categories	category	NOUN
fsr-3932	189	53	.	.	PUNCT
fsr-3932	190	1	comparing	compare	VERB
fsr-3932	190	2	the	the	DET
fsr-3932	190	3	two	two	NUM
fsr-3932	190	4	racial	racial	ADJ
fsr-3932	190	5	groups	group	NOUN
fsr-3932	190	6	,	,	PUNCT
fsr-3932	190	7	black	black	ADJ
fsr-3932	190	8	households	household	NOUN
fsr-3932	190	9	show	show	VERB
fsr-3932	190	10	an	an	DET
fsr-3932	190	11	investment	investment	NOUN
fsr-3932	190	12	preference	preference	NOUN
fsr-3932	190	13	for	for	ADP
fsr-3932	190	14	residential	residential	ADJ
fsr-3932	190	15	real	real	ADJ
fsr-3932	190	16	estate	estate	NOUN
fsr-3932	190	17	over	over	ADP
fsr-3932	190	18	almost	almost	ADV
fsr-3932	190	19	all	all	PRON
fsr-3932	190	20	other	other	ADJ
fsr-3932	190	21	types	type	NOUN
fsr-3932	190	22	of	of	ADP
fsr-3932	190	23	assets	asset	NOUN
fsr-3932	190	24	,	,	PUNCT
fsr-3932	190	25	yet	yet	CCONJ
fsr-3932	190	26	they	they	PRON
fsr-3932	190	27	tend	tend	VERB
fsr-3932	190	28	to	to	PART
fsr-3932	190	29	acquire	acquire	VERB
fsr-3932	190	30	this	this	DET
fsr-3932	190	31	residential	residential	ADJ
fsr-3932	190	32	real	real	ADJ
fsr-3932	190	33	estate	estate	NOUN
fsr-3932	190	34	at	at	ADP
fsr-3932	190	35	a	a	DET
fsr-3932	190	36	more	more	ADV
fsr-3932	190	37	advanced	advanced	ADJ
fsr-3932	190	38	age	age	NOUN
fsr-3932	190	39	than	than	ADP
fsr-3932	190	40	their	their	PRON
fsr-3932	190	41	white	white	ADJ
fsr-3932	190	42	counterparts	counterpart	NOUN
fsr-3932	190	43	.	.	PUNCT
fsr-3932	191	1	interestingly	interestingly	ADV
fsr-3932	191	2	,	,	PUNCT
fsr-3932	191	3	the	the	DET
fsr-3932	191	4	ownership	ownership	NOUN
fsr-3932	191	5	incidence	incidence	NOUN
fsr-3932	191	6	of	of	ADP
fsr-3932	191	7	bank	bank	NOUN
fsr-3932	191	8	-	-	PUNCT
fsr-3932	191	9	type	type	NOUN
fsr-3932	191	10	financial	financial	ADJ
fsr-3932	191	11	assets	asset	NOUN
fsr-3932	191	12	—	—	PUNCT
fsr-3932	191	13	including	include	VERB
fsr-3932	191	14	both	both	CCONJ
fsr-3932	191	15	demand	demand	NOUN
fsr-3932	191	16	and	and	CCONJ
fsr-3932	191	17	savings	saving	NOUN
fsr-3932	191	18	deposits	deposit	NOUN
fsr-3932	191	19	—	—	PUNCT
fsr-3932	191	20	follows	follow	VERB
fsr-3932	191	21	an	an	DET
fsr-3932	191	22	inverted	inverted	ADJ
fsr-3932	191	23	u	u	ADJ
fsr-3932	191	24	-	-	ADJ
fsr-3932	191	25	shaped	shape	VERB
fsr-3932	191	26	pattern	pattern	NOUN
fsr-3932	191	27	across	across	ADP
fsr-3932	191	28	advancing	advance	VERB
fsr-3932	191	29	age	age	NOUN
fsr-3932	191	30	categories	category	NOUN
fsr-3932	191	31	within	within	ADP
fsr-3932	191	32	african	african	ADJ
fsr-3932	191	33	-	-	PUNCT
fsr-3932	191	34	american	american	ADJ
fsr-3932	191	35	households	household	NOUN
fsr-3932	191	36	,	,	PUNCT
fsr-3932	191	37	and	and	CCONJ
fsr-3932	191	38	a	a	DET
fsr-3932	191	39	much	much	ADV
fsr-3932	191	40	more	more	ADJ
fsr-3932	191	41	linear	linear	ADJ
fsr-3932	191	42	pattern	pattern	NOUN
fsr-3932	191	43	across	across	ADP
fsr-3932	191	44	white	white	ADJ
fsr-3932	191	45	households	household	NOUN
fsr-3932	191	46	.	.	PUNCT
fsr-3932	192	1	ownership	ownership	NOUN
fsr-3932	192	2	of	of	ADP
fsr-3932	192	3	banking	banking	NOUN
fsr-3932	192	4	products	product	NOUN
fsr-3932	192	5	first	first	ADV
fsr-3932	192	6	rises	rise	VERB
fsr-3932	192	7	with	with	ADP
fsr-3932	192	8	increasing	increase	VERB
fsr-3932	192	9	age	age	NOUN
fsr-3932	192	10	in	in	ADP
fsr-3932	192	11	black	black	ADJ
fsr-3932	192	12	households	household	NOUN
fsr-3932	192	13	,	,	PUNCT
fsr-3932	192	14	reaches	reach	VERB
fsr-3932	192	15	a	a	DET
fsr-3932	192	16	maximum	maximum	NOUN
fsr-3932	192	17	within	within	ADP
fsr-3932	192	18	the	the	DET
fsr-3932	192	19	55	55	NUM
fsr-3932	192	20	-	-	PUNCT
fsr-3932	192	21	to-64	to-64	NOUN
fsr-3932	192	22	year	year	NOUN
fsr-3932	192	23	old	old	ADJ
fsr-3932	192	24	age	age	NOUN
fsr-3932	192	25	category	category	NOUN
fsr-3932	192	26	,	,	PUNCT
fsr-3932	192	27	and	and	CCONJ
fsr-3932	192	28	then	then	ADV
fsr-3932	192	29	falls	fall	VERB
fsr-3932	192	30	within	within	ADP
fsr-3932	192	31	older	old	ADJ
fsr-3932	192	32	families	family	NOUN
fsr-3932	192	33	.	.	PUNCT
fsr-3932	193	1	in	in	ADP
fsr-3932	193	2	the	the	DET
fsr-3932	193	3	white	white	ADJ
fsr-3932	193	4	sample	sample	NOUN
fsr-3932	193	5	,	,	PUNCT
fsr-3932	193	6	virtually	virtually	ADV
fsr-3932	193	7	all	all	PRON
fsr-3932	193	8	respondent	respondent	NOUN
fsr-3932	193	9	households	household	NOUN
fsr-3932	193	10	maintain	maintain	VERB
fsr-3932	193	11	at	at	ADP
fsr-3932	193	12	least	least	ADV
fsr-3932	193	13	one	one	NUM
fsr-3932	193	14	bank	bank	NOUN
fsr-3932	193	15	account	account	NOUN
fsr-3932	193	16	by	by	ADP
fsr-3932	193	17	the	the	DET
fsr-3932	193	18	time	time	NOUN
fsr-3932	193	19	they	they	PRON
fsr-3932	193	20	reach	reach	VERB
fsr-3932	193	21	the	the	DET
fsr-3932	193	22	35	35	NUM
fsr-3932	193	23	-	-	PUNCT
fsr-3932	193	24	to-44	to-44	NOUN
fsr-3932	193	25	year	year	NOUN
fsr-3932	193	26	old	old	ADJ
fsr-3932	193	27	age	age	NOUN
fsr-3932	193	28	category	category	NOUN
fsr-3932	193	29	,	,	PUNCT
fsr-3932	193	30	and	and	CCONJ
fsr-3932	193	31	the	the	DET
fsr-3932	193	32	proportion	proportion	NOUN
fsr-3932	193	33	of	of	ADP
fsr-3932	193	34	households	household	NOUN
fsr-3932	193	35	holding	hold	VERB
fsr-3932	193	36	one	one	NUM
fsr-3932	193	37	or	or	CCONJ
fsr-3932	193	38	more	more	ADJ
fsr-3932	193	39	banking	banking	NOUN
fsr-3932	193	40	products	product	NOUN
fsr-3932	193	41	remains	remain	VERB
fsr-3932	193	42	virtually	virtually	ADV
fsr-3932	193	43	unchanged	unchanged	ADJ
fsr-3932	193	44	across	across	ADP
fsr-3932	193	45	successively	successively	ADV
fsr-3932	193	46	older	old	ADJ
fsr-3932	193	47	age	age	NOUN
fsr-3932	193	48	categories	category	NOUN
fsr-3932	193	49	.	.	PUNCT
fsr-3932	194	1	attitudes	attitude	NOUN
fsr-3932	194	2	toward	toward	ADP
fsr-3932	194	3	bank	bank	NOUN
fsr-3932	194	4	products	product	NOUN
fsr-3932	194	5	and	and	CCONJ
fsr-3932	194	6	banking	banking	NOUN
fsr-3932	194	7	relationships	relationship	NOUN
fsr-3932	194	8	are	be	AUX
fsr-3932	194	9	a	a	DET
fsr-3932	194	10	function	function	NOUN
fsr-3932	194	11	of	of	ADP
fsr-3932	194	12	age	age	NOUN
fsr-3932	194	13	within	within	ADP
fsr-3932	194	14	african	african	ADJ
fsr-3932	194	15	-	-	PUNCT
fsr-3932	194	16	american	american	ADJ
fsr-3932	194	17	households	household	NOUN
fsr-3932	194	18	,	,	PUNCT
fsr-3932	194	19	while	while	SCONJ
fsr-3932	194	20	in	in	ADP
fsr-3932	194	21	white	white	ADJ
fsr-3932	194	22	households	household	NOUN
fsr-3932	194	23	these	these	DET
fsr-3932	194	24	attitudes	attitude	NOUN
fsr-3932	194	25	appear	appear	VERB
fsr-3932	194	26	to	to	PART
fsr-3932	194	27	be	be	AUX
fsr-3932	194	28	invariant	invariant	ADJ
fsr-3932	194	29	to	to	ADP
fsr-3932	194	30	changes	change	NOUN
fsr-3932	194	31	in	in	ADP
fsr-3932	194	32	age	age	NOUN
fsr-3932	194	33	.	.	PUNCT
fsr-3932	195	1	many	many	ADJ
fsr-3932	195	2	researchers	researcher	NOUN
fsr-3932	195	3	—	—	PUNCT
fsr-3932	195	4	including	include	VERB
fsr-3932	195	5	yuh	yuh	PROPN
fsr-3932	195	6	and	and	CCONJ
fsr-3932	195	7	hanna	hanna	PROPN
fsr-3932	195	8	(	(	PUNCT
fsr-3932	195	9	1997	1997	NUM
fsr-3932	195	10	)	)	PUNCT
fsr-3932	195	11	,	,	PUNCT
fsr-3932	195	12	shaw	shaw	NOUN
fsr-3932	195	13	(	(	PUNCT
fsr-3932	195	14	1996	1996	NUM
fsr-3932	195	15	)	)	PUNCT
fsr-3932	195	16	,	,	PUNCT
fsr-3932	195	17	and	and	CCONJ
fsr-3932	195	18	lach	lach	PROPN
fsr-3932	195	19	(	(	PUNCT
fsr-3932	195	20	1999	1999	NUM
fsr-3932	195	21	)	)	PUNCT
fsr-3932	195	22	—	—	PUNCT
fsr-3932	195	23	suggest	suggest	VERB
fsr-3932	195	24	that	that	SCONJ
fsr-3932	195	25	preferences	preference	NOUN
fsr-3932	195	26	for	for	ADP
fsr-3932	195	27	holding	hold	VERB
fsr-3932	195	28	risky	risky	ADJ
fsr-3932	195	29	assets	asset	NOUN
fsr-3932	195	30	in	in	ADP
fsr-3932	195	31	general	general	ADJ
fsr-3932	195	32	,	,	PUNCT
fsr-3932	195	33	and	and	CCONJ
fsr-3932	195	34	equity	equity	NOUN
fsr-3932	195	35	securities	security	NOUN
fsr-3932	195	36	in	in	ADP
fsr-3932	195	37	particular	particular	ADJ
fsr-3932	195	38	,	,	PUNCT
fsr-3932	195	39	rise	rise	VERB
fsr-3932	195	40	with	with	ADP
fsr-3932	195	41	increasing	increase	VERB
fsr-3932	195	42	educational	educational	ADJ
fsr-3932	195	43	attainment	attainment	NOUN
fsr-3932	195	44	.	.	PUNCT
fsr-3932	196	1	the	the	DET
fsr-3932	196	2	data	datum	NOUN
fsr-3932	196	3	reported	report	VERB
fsr-3932	196	4	in	in	ADP
fsr-3932	196	5	table	table	NOUN
fsr-3932	196	6	3	3	NUM
fsr-3932	196	7	support	support	NOUN
fsr-3932	196	8	this	this	DET
fsr-3932	196	9	contention	contention	NOUN
fsr-3932	196	10	,	,	PUNCT
fsr-3932	196	11	as	as	SCONJ
fsr-3932	196	12	stock	stock	NOUN
fsr-3932	196	13	and	and	CCONJ
fsr-3932	196	14	bond	bond	NOUN
fsr-3932	196	15	ownership	ownership	NOUN
fsr-3932	196	16	rates	rate	NOUN
fsr-3932	196	17	rise	rise	VERB
fsr-3932	196	18	with	with	ADP
fsr-3932	196	19	increasing	increase	VERB
fsr-3932	196	20	educational	educational	ADJ
fsr-3932	196	21	attainment	attainment	NOUN
fsr-3932	196	22	across	across	ADP
fsr-3932	196	23	both	both	CCONJ
fsr-3932	196	24	black	black	ADJ
fsr-3932	196	25	and	and	CCONJ
fsr-3932	196	26	white	white	ADJ
fsr-3932	196	27	subgroups	subgroup	NOUN
fsr-3932	196	28	of	of	ADP
fsr-3932	196	29	the	the	DET
fsr-3932	196	30	scf	scf	PROPN
fsr-3932	196	31	sample	sample	NOUN
fsr-3932	196	32	.	.	PUNCT
fsr-3932	197	1	for	for	ADP
fsr-3932	197	2	both	both	DET
fsr-3932	197	3	races	race	NOUN
fsr-3932	197	4	,	,	PUNCT
fsr-3932	197	5	equity	equity	NOUN
fsr-3932	197	6	holdings	holding	NOUN
fsr-3932	197	7	accelerate	accelerate	VERB
fsr-3932	197	8	dramatically	dramatically	ADV
fsr-3932	197	9	among	among	ADP
fsr-3932	197	10	households	household	NOUN
fsr-3932	197	11	in	in	ADP
fsr-3932	197	12	which	which	PRON
fsr-3932	197	13	respondents	respondent	NOUN
fsr-3932	197	14	possess	possess	VERB
fsr-3932	197	15	a	a	DET
fsr-3932	197	16	baccalaureate	baccalaureate	NOUN
fsr-3932	197	17	degree	degree	NOUN
fsr-3932	197	18	.	.	PUNCT
fsr-3932	198	1	even	even	ADV
fsr-3932	198	2	among	among	ADP
fsr-3932	198	3	respondents	respondent	NOUN
fsr-3932	198	4	with	with	ADP
fsr-3932	198	5	advanced	advanced	ADJ
fsr-3932	198	6	educational	educational	ADJ
fsr-3932	198	7	attainment	attainment	ADJ
fsr-3932	198	8	levels	level	NOUN
fsr-3932	198	9	,	,	PUNCT
fsr-3932	198	10	however	however	ADV
fsr-3932	198	11	,	,	PUNCT
fsr-3932	198	12	black	black	ADJ
fsr-3932	198	13	equity	equity	NOUN
fsr-3932	198	14	holdings	holding	NOUN
fsr-3932	198	15	significantly	significantly	ADV
fsr-3932	198	16	lag	lag	VERB
fsr-3932	198	17	their	their	PRON
fsr-3932	198	18	white	white	ADJ
fsr-3932	198	19	counterparts	counterpart	NOUN
fsr-3932	198	20	in	in	ADP
fsr-3932	198	21	both	both	CCONJ
fsr-3932	198	22	the	the	DET
fsr-3932	198	23	proportion	proportion	NOUN
fsr-3932	198	24	of	of	ADP
fsr-3932	198	25	the	the	DET
fsr-3932	198	26	sample	sample	NOUN
fsr-3932	198	27	owning	own	VERB
fsr-3932	198	28	stock	stock	NOUN
fsr-3932	198	29	and	and	CCONJ
fsr-3932	198	30	the	the	DET
fsr-3932	198	31	mean	mean	ADJ
fsr-3932	198	32	market	market	NOUN
fsr-3932	198	33	value	value	NOUN
fsr-3932	198	34	of	of	ADP
fsr-3932	198	35	equity	equity	NOUN
fsr-3932	198	36	holdings	holding	NOUN
fsr-3932	198	37	.	.	PUNCT
fsr-3932	199	1	it	it	PRON
fsr-3932	199	2	is	be	AUX
fsr-3932	199	3	noteworthy	noteworthy	ADJ
fsr-3932	199	4	that	that	SCONJ
fsr-3932	199	5	increased	increase	VERB
fsr-3932	199	6	educational	educational	ADJ
fsr-3932	199	7	attainment	attainment	NOUN
fsr-3932	199	8	occurring	occur	VERB
fsr-3932	199	9	below	below	ADP
fsr-3932	199	10	the	the	DET
fsr-3932	199	11	collegegraduate	collegegraduate	ADJ
fsr-3932	199	12	category	category	NOUN
fsr-3932	199	13	contributes	contribute	VERB
fsr-3932	199	14	to	to	ADP
fsr-3932	199	15	increased	increase	VERB
fsr-3932	199	16	family	family	NOUN
fsr-3932	199	17	holdings	holding	NOUN
fsr-3932	199	18	of	of	ADP
fsr-3932	199	19	risky	risky	ADJ
fsr-3932	199	20	assets	asset	NOUN
fsr-3932	199	21	,	,	PUNCT
fsr-3932	199	22	but	but	CCONJ
fsr-3932	199	23	only	only	ADV
fsr-3932	199	24	in	in	ADP
fsr-3932	199	25	a	a	DET
fsr-3932	199	26	modest	modest	ADJ
fsr-3932	199	27	way	way	NOUN
fsr-3932	199	28	.	.	PUNCT
fsr-3932	200	1	both	both	DET
fsr-3932	200	2	black	black	ADJ
fsr-3932	200	3	and	and	CCONJ
fsr-3932	200	4	white	white	ADJ
fsr-3932	200	5	respondents	respondent	NOUN
fsr-3932	200	6	who	who	PRON
fsr-3932	200	7	report	report	VERB
fsr-3932	200	8	completing	complete	VERB
fsr-3932	200	9	some	some	DET
fsr-3932	200	10	undergraduate	undergraduate	NOUN
fsr-3932	200	11	college	college	NOUN
fsr-3932	200	12	coursework	coursework	NOUN
fsr-3932	200	13	or	or	CCONJ
fsr-3932	200	14	receiving	receive	VERB
fsr-3932	200	15	a	a	DET
fsr-3932	200	16	high	high	ADJ
fsr-3932	200	17	school	school	NOUN
fsr-3932	200	18	diploma	diploma	NOUN
fsr-3932	200	19	evidence	evidence	NOUN
fsr-3932	200	20	only	only	ADV
fsr-3932	200	21	slightly	slightly	ADV
fsr-3932	200	22	more	more	ADJ
fsr-3932	200	23	stock	stock	NOUN
fsr-3932	200	24	and	and	CCONJ
fsr-3932	200	25	bond	bond	NOUN
fsr-3932	200	26	holdings	holding	NOUN
fsr-3932	200	27	than	than	ADP
fsr-3932	200	28	respondents	respondent	NOUN
fsr-3932	200	29	who	who	PRON
fsr-3932	200	30	failed	fail	VERB
fsr-3932	200	31	to	to	PART
fsr-3932	200	32	complete	complete	VERB
fsr-3932	200	33	a	a	DET
fsr-3932	200	34	secondary	secondary	ADJ
fsr-3932	200	35	school	school	NOUN
fsr-3932	200	36	education	education	NOUN
fsr-3932	200	37	.	.	PUNCT
fsr-3932	201	1	earning	earn	VERB
fsr-3932	201	2	a	a	DET
fsr-3932	201	3	college	college	NOUN
fsr-3932	201	4	degree	degree	NOUN
fsr-3932	201	5	is	be	AUX
fsr-3932	201	6	a	a	DET
fsr-3932	201	7	significant	significant	ADJ
fsr-3932	201	8	determinant	determinant	NOUN
fsr-3932	201	9	of	of	ADP
fsr-3932	201	10	household	household	NOUN
fsr-3932	201	11	investment	investment	NOUN
fsr-3932	201	12	patterns	pattern	NOUN
fsr-3932	201	13	across	across	ADP
fsr-3932	201	14	both	both	CCONJ
fsr-3932	201	15	black	black	ADJ
fsr-3932	201	16	and	and	CCONJ
fsr-3932	201	17	white	white	ADJ
fsr-3932	201	18	households	household	NOUN
fsr-3932	201	19	.	.	PUNCT
fsr-3932	202	1	the	the	DET
fsr-3932	202	2	impact	impact	NOUN
fsr-3932	202	3	on	on	ADP
fsr-3932	202	4	the	the	DET
fsr-3932	202	5	risk	risk	NOUN
fsr-3932	202	6	-	-	PUNCT
fsr-3932	202	7	return	return	NOUN
fsr-3932	202	8	characteristics	characteristic	NOUN
fsr-3932	202	9	of	of	ADP
fsr-3932	202	10	family	family	NOUN
fsr-3932	202	11	asset	asset	NOUN
fsr-3932	202	12	portfolios	portfolio	NOUN
fsr-3932	202	13	,	,	PUNCT
fsr-3932	202	14	however	however	ADV
fsr-3932	202	15	,	,	PUNCT
fsr-3932	202	16	remains	remain	VERB
fsr-3932	202	17	much	much	ADV
fsr-3932	202	18	more	more	ADV
fsr-3932	202	19	pronounced	pronounce	VERB
fsr-3932	202	20	among	among	ADP
fsr-3932	202	21	white	white	ADJ
fsr-3932	202	22	households	household	NOUN
fsr-3932	202	23	,	,	PUNCT
fsr-3932	202	24	which	which	PRON
fsr-3932	202	25	evidence	evidence	VERB
fsr-3932	202	26	greater	great	ADJ
fsr-3932	202	27	diversification	diversification	NOUN
fsr-3932	202	28	across	across	ADP
fsr-3932	202	29	financial	financial	ADJ
fsr-3932	202	30	asset	asset	NOUN
fsr-3932	202	31	categories	category	NOUN
fsr-3932	202	32	and	and	CCONJ
fsr-3932	202	33	substantially	substantially	ADV
fsr-3932	202	34	greater	great	ADJ
fsr-3932	202	35	investment	investment	NOUN
fsr-3932	202	36	in	in	ADP
fsr-3932	202	37	stocks	stock	NOUN
fsr-3932	202	38	,	,	PUNCT
fsr-3932	202	39	bonds	bond	NOUN
fsr-3932	202	40	,	,	PUNCT
fsr-3932	202	41	and	and	CCONJ
fsr-3932	202	42	mutual	mutual	ADJ
fsr-3932	202	43	fund	fund	NOUN
fsr-3932	202	44	assets	asset	NOUN
fsr-3932	202	45	.	.	PUNCT
fsr-3932	203	1	in	in	ADP
fsr-3932	203	2	virtually	virtually	ADV
fsr-3932	203	3	all	all	DET
fsr-3932	203	4	cases	case	NOUN
fsr-3932	203	5	,	,	PUNCT
fsr-3932	203	6	the	the	DET
fsr-3932	203	7	proportion	proportion	NOUN
fsr-3932	203	8	of	of	ADP
fsr-3932	203	9	black	black	ADJ
fsr-3932	203	10	households	household	NOUN
fsr-3932	203	11	reporting	report	VERB
fsr-3932	203	12	ownership	ownership	NOUN
fsr-3932	203	13	of	of	ADP
fsr-3932	203	14	a	a	DET
fsr-3932	203	15	particular	particular	ADJ
fsr-3932	203	16	financial	financial	ADJ
fsr-3932	203	17	asset	asset	NOUN
fsr-3932	203	18	lies	lie	VERB
fsr-3932	203	19	well	well	ADV
fsr-3932	203	20	below	below	ADP
fsr-3932	203	21	the	the	DET
fsr-3932	203	22	percentage	percentage	NOUN
fsr-3932	203	23	of	of	ADP
fsr-3932	203	24	white	white	ADJ
fsr-3932	203	25	families	family	NOUN
fsr-3932	203	26	reporting	report	VERB
fsr-3932	203	27	owner355d.a	owner355d.a	NOUN
fsr-3932	203	28	.	.	PUNCT
fsr-3932	204	1	plath	plath	NOUN
fsr-3932	204	2	,	,	PUNCT
fsr-3932	204	3	t.h	t.h	PROPN
fsr-3932	204	4	.	.	PROPN
fsr-3932	204	5	stevenson	stevenson	PROPN
fsr-3932	204	6	/	/	SYM
fsr-3932	204	7	financial	financial	ADJ
fsr-3932	204	8	services	service	NOUN
fsr-3932	204	9	review	review	VERB
fsr-3932	204	10	94	94	NUM
fsr-3932	204	11	(	(	PUNCT
fsr-3932	204	12	2000	2000	NUM
fsr-3932	204	13	)	)	PUNCT
fsr-3932	205	1	343–359	343–359	NUM
fsr-3932	205	2	ship	ship	NOUN
fsr-3932	205	3	of	of	ADP
fsr-3932	205	4	the	the	DET
fsr-3932	205	5	same	same	ADJ
fsr-3932	205	6	asset	asset	NOUN
fsr-3932	205	7	.	.	PUNCT
fsr-3932	206	1	the	the	DET
fsr-3932	206	2	exception	exception	NOUN
fsr-3932	206	3	to	to	ADP
fsr-3932	206	4	this	this	DET
fsr-3932	206	5	generalization	generalization	NOUN
fsr-3932	206	6	is	be	AUX
fsr-3932	206	7	life	life	NOUN
fsr-3932	206	8	insurance	insurance	NOUN
fsr-3932	206	9	holdings	holding	NOUN
fsr-3932	206	10	across	across	ADP
fsr-3932	206	11	black	black	ADJ
fsr-3932	206	12	households	household	NOUN
fsr-3932	206	13	.	.	PUNCT
fsr-3932	207	1	within	within	ADP
fsr-3932	207	2	white	white	ADJ
fsr-3932	207	3	households	household	NOUN
fsr-3932	207	4	,	,	PUNCT
fsr-3932	207	5	the	the	DET
fsr-3932	207	6	percentage	percentage	NOUN
fsr-3932	207	7	of	of	ADP
fsr-3932	207	8	respondents	respondent	NOUN
fsr-3932	207	9	reporting	report	VERB
fsr-3932	207	10	some	some	DET
fsr-3932	207	11	life	life	NOUN
fsr-3932	207	12	insurance	insurance	NOUN
fsr-3932	207	13	ownership	ownership	NOUN
fsr-3932	207	14	begins	begin	VERB
fsr-3932	207	15	at	at	ADP
fsr-3932	207	16	62	62	NUM
fsr-3932	207	17	percent	percent	NOUN
fsr-3932	207	18	in	in	ADP
fsr-3932	207	19	families	family	NOUN
fsr-3932	207	20	that	that	PRON
fsr-3932	207	21	fail	fail	VERB
fsr-3932	207	22	to	to	PART
fsr-3932	207	23	complete	complete	VERB
fsr-3932	207	24	a	a	DET
fsr-3932	207	25	high	high	ADJ
fsr-3932	207	26	school	school	NOUN
fsr-3932	207	27	education	education	NOUN
fsr-3932	207	28	and	and	CCONJ
fsr-3932	207	29	rises	rise	VERB
fsr-3932	207	30	progressively	progressively	ADV
fsr-3932	207	31	with	with	ADP
fsr-3932	207	32	increasing	increase	VERB
fsr-3932	207	33	educational	educational	ADJ
fsr-3932	207	34	attainment	attainment	NOUN
fsr-3932	207	35	until	until	ADP
fsr-3932	207	36	reaching	reach	VERB
fsr-3932	207	37	83	83	NUM
fsr-3932	207	38	percent	percent	NOUN
fsr-3932	207	39	among	among	ADP
fsr-3932	207	40	respondents	respondent	NOUN
fsr-3932	207	41	who	who	PRON
fsr-3932	207	42	report	report	VERB
fsr-3932	207	43	attending	attend	VERB
fsr-3932	207	44	or	or	CCONJ
fsr-3932	207	45	completing	complete	VERB
fsr-3932	207	46	graduate	graduate	NOUN
fsr-3932	207	47	school	school	NOUN
fsr-3932	207	48	.	.	PUNCT
fsr-3932	208	1	black	black	ADJ
fsr-3932	208	2	households	household	NOUN
fsr-3932	208	3	report	report	VERB
fsr-3932	208	4	remarkably	remarkably	ADV
fsr-3932	208	5	similar	similar	ADJ
fsr-3932	208	6	rates	rate	NOUN
fsr-3932	208	7	of	of	ADP
fsr-3932	208	8	life	life	NOUN
fsr-3932	208	9	insurance	insurance	NOUN
fsr-3932	208	10	ownership	ownership	NOUN
fsr-3932	208	11	,	,	PUNCT
fsr-3932	208	12	beginning	begin	VERB
fsr-3932	208	13	at	at	ADP
fsr-3932	208	14	60	60	NUM
fsr-3932	208	15	percent	percent	NOUN
fsr-3932	208	16	for	for	ADP
fsr-3932	208	17	black	black	ADJ
fsr-3932	208	18	respondents	respondent	NOUN
fsr-3932	208	19	who	who	PRON
fsr-3932	208	20	fail	fail	VERB
fsr-3932	208	21	to	to	PART
fsr-3932	208	22	complete	complete	VERB
fsr-3932	208	23	high	high	ADJ
fsr-3932	208	24	school	school	NOUN
fsr-3932	208	25	,	,	PUNCT
fsr-3932	208	26	rising	rise	VERB
fsr-3932	208	27	to	to	ADP
fsr-3932	208	28	81	81	NUM
fsr-3932	208	29	percent	percent	NOUN
fsr-3932	208	30	across	across	ADP
fsr-3932	208	31	those	those	PRON
fsr-3932	208	32	who	who	PRON
fsr-3932	208	33	have	have	AUX
fsr-3932	208	34	attended	attend	VERB
fsr-3932	208	35	or	or	CCONJ
fsr-3932	208	36	completed	complete	VERB
fsr-3932	208	37	graduate	graduate	ADJ
fsr-3932	208	38	school	school	NOUN
fsr-3932	208	39	.	.	PUNCT
fsr-3932	209	1	the	the	DET
fsr-3932	209	2	data	datum	NOUN
fsr-3932	209	3	suggest	suggest	VERB
fsr-3932	209	4	that	that	SCONJ
fsr-3932	209	5	black	black	ADJ
fsr-3932	209	6	households	household	NOUN
fsr-3932	209	7	prefer	prefer	VERB
fsr-3932	209	8	the	the	DET
fsr-3932	209	9	relative	relative	ADJ
fsr-3932	209	10	stability	stability	NOUN
fsr-3932	209	11	and	and	CCONJ
fsr-3932	209	12	security	security	NOUN
fsr-3932	209	13	of	of	ADP
fsr-3932	209	14	life	life	NOUN
fsr-3932	209	15	insurance	insurance	NOUN
fsr-3932	209	16	products	product	NOUN
fsr-3932	209	17	over	over	ADP
fsr-3932	209	18	riskier	risky	ADJ
fsr-3932	209	19	and	and	CCONJ
fsr-3932	209	20	more	more	ADJ
fsr-3932	209	21	price	price	NOUN
fsr-3932	209	22	volatile	volatile	ADJ
fsr-3932	209	23	investments	investment	NOUN
fsr-3932	209	24	is	be	AUX
fsr-3932	209	25	stocks	stock	NOUN
fsr-3932	209	26	,	,	PUNCT
fsr-3932	209	27	corporate	corporate	ADJ
fsr-3932	209	28	bonds	bond	NOUN
fsr-3932	209	29	,	,	PUNCT
fsr-3932	209	30	and	and	CCONJ
fsr-3932	209	31	other	other	ADJ
fsr-3932	209	32	brokerage	brokerage	NOUN
fsr-3932	209	33	assets	asset	NOUN
fsr-3932	209	34	.	.	PUNCT
fsr-3932	210	1	this	this	DET
fsr-3932	210	2	preference	preference	NOUN
fsr-3932	210	3	transcends	transcend	VERB
fsr-3932	210	4	increasing	increase	VERB
fsr-3932	210	5	income	income	NOUN
fsr-3932	210	6	levels	level	NOUN
fsr-3932	210	7	,	,	PUNCT
fsr-3932	210	8	respondent	respondent	NOUN
fsr-3932	210	9	age	age	NOUN
fsr-3932	210	10	,	,	PUNCT
fsr-3932	210	11	and	and	CCONJ
fsr-3932	210	12	educational	educational	ADJ
fsr-3932	210	13	attainment	attainment	ADJ
fsr-3932	210	14	levels	level	NOUN
fsr-3932	210	15	within	within	ADP
fsr-3932	210	16	the	the	DET
fsr-3932	210	17	scf	scf	PROPN
fsr-3932	210	18	sample	sample	NOUN
fsr-3932	210	19	.	.	PUNCT
fsr-3932	211	1	finally	finally	ADV
fsr-3932	211	2	,	,	PUNCT
fsr-3932	211	3	educational	educational	ADJ
fsr-3932	211	4	attainment	attainment	ADJ
fsr-3932	211	5	levels	level	NOUN
fsr-3932	211	6	represent	represent	VERB
fsr-3932	211	7	a	a	DET
fsr-3932	211	8	much	much	ADV
fsr-3932	211	9	more	more	ADV
fsr-3932	211	10	important	important	ADJ
fsr-3932	211	11	determinant	determinant	ADJ
fsr-3932	211	12	of	of	ADP
fsr-3932	211	13	household	household	NOUN
fsr-3932	211	14	banking	banking	NOUN
fsr-3932	211	15	relationships	relationship	NOUN
fsr-3932	211	16	among	among	ADP
fsr-3932	211	17	black	black	ADJ
fsr-3932	211	18	consumers	consumer	NOUN
fsr-3932	211	19	than	than	ADP
fsr-3932	211	20	white	white	ADJ
fsr-3932	211	21	consumers	consumer	NOUN
fsr-3932	211	22	.	.	PUNCT
fsr-3932	212	1	the	the	DET
fsr-3932	212	2	proportion	proportion	NOUN
fsr-3932	212	3	of	of	ADP
fsr-3932	212	4	black	black	ADJ
fsr-3932	212	5	households	household	NOUN
fsr-3932	212	6	reporting	report	VERB
fsr-3932	212	7	use	use	NOUN
fsr-3932	212	8	of	of	ADP
fsr-3932	212	9	these	these	DET
fsr-3932	212	10	traditional	traditional	ADJ
fsr-3932	212	11	commercial	commercial	ADJ
fsr-3932	212	12	banking	banking	NOUN
fsr-3932	212	13	products	product	NOUN
fsr-3932	212	14	rises	rise	VERB
fsr-3932	212	15	dramatically	dramatically	ADV
fsr-3932	212	16	with	with	ADP
fsr-3932	212	17	increasing	increase	VERB
fsr-3932	212	18	education	education	NOUN
fsr-3932	212	19	,	,	PUNCT
fsr-3932	212	20	from	from	ADP
fsr-3932	212	21	less	less	ADJ
fsr-3932	212	22	than	than	ADP
fsr-3932	212	23	30	30	NUM
fsr-3932	212	24	percent	percent	NOUN
fsr-3932	212	25	for	for	ADP
fsr-3932	212	26	respondents	respondent	NOUN
fsr-3932	212	27	who	who	PRON
fsr-3932	212	28	fail	fail	VERB
fsr-3932	212	29	to	to	PART
fsr-3932	212	30	complete	complete	VERB
fsr-3932	212	31	high	high	ADJ
fsr-3932	212	32	school	school	NOUN
fsr-3932	212	33	to	to	ADP
fsr-3932	212	34	over	over	ADP
fsr-3932	212	35	96	96	NUM
fsr-3932	212	36	percent	percent	NOUN
fsr-3932	212	37	for	for	ADP
fsr-3932	212	38	respondents	respondent	NOUN
fsr-3932	212	39	who	who	PRON
fsr-3932	212	40	have	have	AUX
fsr-3932	212	41	attended	attend	VERB
fsr-3932	212	42	or	or	CCONJ
fsr-3932	212	43	completed	complete	VERB
fsr-3932	212	44	graduate	graduate	ADJ
fsr-3932	212	45	school	school	NOUN
fsr-3932	212	46	.	.	PUNCT
fsr-3932	213	1	across	across	ADP
fsr-3932	213	2	white	white	ADJ
fsr-3932	213	3	respondents	respondent	NOUN
fsr-3932	213	4	,	,	PUNCT
fsr-3932	213	5	more	more	ADJ
fsr-3932	213	6	than	than	ADP
fsr-3932	213	7	72	72	NUM
fsr-3932	213	8	percent	percent	NOUN
fsr-3932	213	9	of	of	ADP
fsr-3932	213	10	non	non	ADJ
fsr-3932	213	11	-	-	ADJ
fsr-3932	213	12	high	high	ADJ
fsr-3932	213	13	school	school	NOUN
fsr-3932	213	14	graduates	graduate	NOUN
fsr-3932	213	15	report	report	VERB
fsr-3932	213	16	demand	demand	NOUN
fsr-3932	213	17	deposit	deposit	NOUN
fsr-3932	213	18	account	account	NOUN
fsr-3932	213	19	ownership	ownership	NOUN
fsr-3932	213	20	,	,	PUNCT
fsr-3932	213	21	and	and	CCONJ
fsr-3932	213	22	this	this	DET
fsr-3932	213	23	number	number	NOUN
fsr-3932	213	24	rises	rise	VERB
fsr-3932	213	25	to	to	ADP
fsr-3932	213	26	99	99	NUM
fsr-3932	213	27	percent	percent	NOUN
fsr-3932	213	28	across	across	ADP
fsr-3932	213	29	respondents	respondent	NOUN
fsr-3932	213	30	who	who	PRON
fsr-3932	213	31	have	have	AUX
fsr-3932	213	32	attended	attend	VERB
fsr-3932	213	33	or	or	CCONJ
fsr-3932	213	34	completed	complete	VERB
fsr-3932	213	35	graduate	graduate	ADJ
fsr-3932	213	36	school	school	NOUN
fsr-3932	213	37	.	.	PUNCT
fsr-3932	214	1	at	at	ADP
fsr-3932	214	2	higher	high	ADJ
fsr-3932	214	3	levels	level	NOUN
fsr-3932	214	4	of	of	ADP
fsr-3932	214	5	educational	educational	ADJ
fsr-3932	214	6	attainment	attainment	ADJ
fsr-3932	214	7	,	,	PUNCT
fsr-3932	214	8	black	black	ADJ
fsr-3932	214	9	households	household	NOUN
fsr-3932	214	10	’	'	PUNCT
fsr-3932	214	11	commercial	commercial	ADJ
fsr-3932	214	12	banking	banking	NOUN
fsr-3932	214	13	relationships	relationship	NOUN
fsr-3932	214	14	closely	closely	ADV
fsr-3932	214	15	resemble	resemble	VERB
fsr-3932	214	16	their	their	PRON
fsr-3932	214	17	white	white	ADJ
fsr-3932	214	18	counterparts	counterpart	NOUN
fsr-3932	214	19	.	.	PUNCT
fsr-3932	215	1	at	at	ADP
fsr-3932	215	2	lower	low	ADJ
fsr-3932	215	3	levels	level	NOUN
fsr-3932	215	4	of	of	ADP
fsr-3932	215	5	educational	educational	ADJ
fsr-3932	215	6	attainment	attainment	NOUN
fsr-3932	215	7	,	,	PUNCT
fsr-3932	215	8	particularly	particularly	ADV
fsr-3932	215	9	in	in	ADP
fsr-3932	215	10	the	the	DET
fsr-3932	215	11	case	case	NOUN
fsr-3932	215	12	of	of	ADP
fsr-3932	215	13	individuals	individual	NOUN
fsr-3932	215	14	who	who	PRON
fsr-3932	215	15	fail	fail	VERB
fsr-3932	215	16	to	to	PART
fsr-3932	215	17	complete	complete	VERB
fsr-3932	215	18	a	a	DET
fsr-3932	215	19	secondary	secondary	ADJ
fsr-3932	215	20	school	school	NOUN
fsr-3932	215	21	education	education	NOUN
fsr-3932	215	22	,	,	PUNCT
fsr-3932	215	23	black	black	ADJ
fsr-3932	215	24	consumers	consumer	NOUN
fsr-3932	215	25	’	’	PART
fsr-3932	215	26	banking	banking	NOUN
fsr-3932	215	27	relationships	relationship	NOUN
fsr-3932	215	28	are	be	AUX
fsr-3932	215	29	far	far	ADV
fsr-3932	215	30	different	different	ADJ
fsr-3932	215	31	than	than	ADP
fsr-3932	215	32	those	those	PRON
fsr-3932	215	33	observed	observe	VERB
fsr-3932	215	34	within	within	ADP
fsr-3932	215	35	white	white	ADJ
fsr-3932	215	36	households	household	NOUN
fsr-3932	215	37	,	,	PUNCT
fsr-3932	215	38	indicating	indicate	VERB
fsr-3932	215	39	that	that	SCONJ
fsr-3932	215	40	a	a	DET
fsr-3932	215	41	disproportionate	disproportionate	ADJ
fsr-3932	215	42	number	number	NOUN
fsr-3932	215	43	of	of	ADP
fsr-3932	215	44	unbanked	unbanked	ADJ
fsr-3932	215	45	consumers	consumer	NOUN
fsr-3932	215	46	are	be	AUX
fsr-3932	215	47	concentrated	concentrate	VERB
fsr-3932	215	48	within	within	ADP
fsr-3932	215	49	the	the	DET
fsr-3932	215	50	african	african	ADJ
fsr-3932	215	51	-	-	PUNCT
fsr-3932	215	52	american	american	ADJ
fsr-3932	215	53	community	community	NOUN
fsr-3932	215	54	.	.	PUNCT
fsr-3932	216	1	4	4	X
fsr-3932	216	2	.	.	X
fsr-3932	216	3	investment	investment	NOUN
fsr-3932	216	4	portfolio	portfolio	NOUN
fsr-3932	216	5	preferences	preference	NOUN
fsr-3932	216	6	within	within	ADP
fsr-3932	216	7	african	african	ADJ
fsr-3932	216	8	-	-	PUNCT
fsr-3932	216	9	american	american	ADJ
fsr-3932	216	10	households	household	NOUN
fsr-3932	216	11	it	it	PRON
fsr-3932	216	12	is	be	AUX
fsr-3932	216	13	clear	clear	ADJ
fsr-3932	216	14	from	from	ADP
fsr-3932	216	15	the	the	DET
fsr-3932	216	16	statistical	statistical	ADJ
fsr-3932	216	17	information	information	NOUN
fsr-3932	216	18	presented	present	VERB
fsr-3932	216	19	here	here	ADV
fsr-3932	216	20	and	and	CCONJ
fsr-3932	216	21	from	from	ADP
fsr-3932	216	22	a	a	DET
fsr-3932	216	23	review	review	NOUN
fsr-3932	216	24	of	of	ADP
fsr-3932	216	25	the	the	DET
fsr-3932	216	26	recent	recent	ADJ
fsr-3932	216	27	academic	academic	ADJ
fsr-3932	216	28	literature	literature	NOUN
fsr-3932	216	29	that	that	PRON
fsr-3932	216	30	differences	difference	NOUN
fsr-3932	216	31	between	between	ADP
fsr-3932	216	32	african	african	ADJ
fsr-3932	216	33	-	-	PUNCT
fsr-3932	216	34	american	american	ADJ
fsr-3932	216	35	and	and	CCONJ
fsr-3932	216	36	caucasian	caucasian	ADJ
fsr-3932	216	37	households	household	NOUN
fsr-3932	216	38	in	in	ADP
fsr-3932	216	39	terms	term	NOUN
fsr-3932	216	40	of	of	ADP
fsr-3932	216	41	financial	financial	ADJ
fsr-3932	216	42	services	service	NOUN
fsr-3932	216	43	ownership	ownership	NOUN
fsr-3932	216	44	patterns	pattern	NOUN
fsr-3932	216	45	and	and	CCONJ
fsr-3932	216	46	wealth	wealth	NOUN
fsr-3932	216	47	-	-	PUNCT
fsr-3932	216	48	accumulating	accumulate	VERB
fsr-3932	216	49	asset	asset	NOUN
fsr-3932	216	50	portfolios	portfolio	NOUN
fsr-3932	216	51	are	be	AUX
fsr-3932	216	52	broad	broad	ADJ
fsr-3932	216	53	and	and	CCONJ
fsr-3932	216	54	substantive	substantive	ADJ
fsr-3932	216	55	.	.	PUNCT
fsr-3932	217	1	in	in	ADP
fsr-3932	217	2	particular	particular	ADJ
fsr-3932	217	3	,	,	PUNCT
fsr-3932	217	4	black	black	ADJ
fsr-3932	217	5	households	household	NOUN
fsr-3932	217	6	control	control	VERB
fsr-3932	217	7	smaller	small	ADJ
fsr-3932	217	8	asset	asset	NOUN
fsr-3932	217	9	portfolios	portfolio	NOUN
fsr-3932	217	10	than	than	ADP
fsr-3932	217	11	their	their	PRON
fsr-3932	217	12	white	white	ADJ
fsr-3932	217	13	counterparts	counterpart	NOUN
fsr-3932	217	14	.	.	PUNCT
fsr-3932	218	1	this	this	DET
fsr-3932	218	2	conclusion	conclusion	NOUN
fsr-3932	218	3	persists	persist	VERB
fsr-3932	218	4	when	when	SCONJ
fsr-3932	218	5	controlling	control	VERB
fsr-3932	218	6	for	for	ADP
fsr-3932	218	7	income	income	NOUN
fsr-3932	218	8	,	,	PUNCT
fsr-3932	218	9	age	age	NOUN
fsr-3932	218	10	,	,	PUNCT
fsr-3932	218	11	and	and	CCONJ
fsr-3932	218	12	education	education	NOUN
fsr-3932	218	13	attainment	attainment	ADJ
fsr-3932	218	14	differences	difference	NOUN
fsr-3932	218	15	between	between	ADP
fsr-3932	218	16	the	the	DET
fsr-3932	218	17	two	two	NUM
fsr-3932	218	18	racial	racial	ADJ
fsr-3932	218	19	groups	group	NOUN
fsr-3932	218	20	.	.	PUNCT
fsr-3932	219	1	in	in	ADP
fsr-3932	219	2	addition	addition	NOUN
fsr-3932	219	3	,	,	PUNCT
fsr-3932	219	4	black	black	ADJ
fsr-3932	219	5	financial	financial	ADJ
fsr-3932	219	6	portfolios	portfolio	NOUN
fsr-3932	219	7	reflect	reflect	VERB
fsr-3932	219	8	a	a	DET
fsr-3932	219	9	clear	clear	ADJ
fsr-3932	219	10	preference	preference	NOUN
fsr-3932	219	11	for	for	ADP
fsr-3932	219	12	near	near	ADJ
fsr-3932	219	13	-	-	PUNCT
fsr-3932	219	14	term	term	NOUN
fsr-3932	219	15	savings	saving	NOUN
fsr-3932	219	16	,	,	PUNCT
fsr-3932	219	17	such	such	ADJ
fsr-3932	219	18	as	as	ADP
fsr-3932	219	19	savings	saving	NOUN
fsr-3932	219	20	for	for	ADP
fsr-3932	219	21	a	a	DET
fsr-3932	219	22	planned	plan	VERB
fsr-3932	219	23	consumer	consumer	NOUN
fsr-3932	219	24	purchase	purchase	NOUN
fsr-3932	219	25	or	or	CCONJ
fsr-3932	219	26	savings	saving	NOUN
fsr-3932	219	27	for	for	ADP
fsr-3932	219	28	a	a	DET
fsr-3932	219	29	college	college	NOUN
fsr-3932	219	30	education	education	NOUN
fsr-3932	219	31	,	,	PUNCT
fsr-3932	219	32	at	at	ADP
fsr-3932	219	33	the	the	DET
fsr-3932	219	34	expense	expense	NOUN
fsr-3932	219	35	of	of	ADP
fsr-3932	219	36	distant	distant	ADJ
fsr-3932	219	37	-	-	PUNCT
fsr-3932	219	38	term	term	NOUN
fsr-3932	219	39	savings	saving	NOUN
fsr-3932	219	40	,	,	PUNCT
fsr-3932	219	41	such	such	ADJ
fsr-3932	219	42	as	as	ADP
fsr-3932	219	43	retirement	retirement	NOUN
fsr-3932	219	44	saving	saving	NOUN
fsr-3932	219	45	.	.	PUNCT
fsr-3932	220	1	given	give	VERB
fsr-3932	220	2	this	this	DET
fsr-3932	220	3	preference	preference	NOUN
fsr-3932	220	4	,	,	PUNCT
fsr-3932	220	5	african	african	ADJ
fsr-3932	220	6	-	-	PUNCT
fsr-3932	220	7	american	american	PROPN
fsr-3932	220	8	retirement	retirement	PROPN
fsr-3932	220	9	account	account	PROPN
fsr-3932	220	10	balances	balance	NOUN
fsr-3932	220	11	are	be	AUX
fsr-3932	220	12	significantly	significantly	ADV
fsr-3932	220	13	smaller	small	ADJ
fsr-3932	220	14	than	than	ADP
fsr-3932	220	15	the	the	DET
fsr-3932	220	16	average	average	ADJ
fsr-3932	220	17	retirement	retirement	NOUN
fsr-3932	220	18	savings	saving	NOUN
fsr-3932	220	19	balance	balance	NOUN
fsr-3932	220	20	observed	observe	VERB
fsr-3932	220	21	across	across	ADP
fsr-3932	220	22	caucasian	caucasian	ADJ
fsr-3932	220	23	households	household	NOUN
fsr-3932	220	24	.	.	PUNCT
fsr-3932	221	1	consistent	consistent	ADJ
fsr-3932	221	2	with	with	ADP
fsr-3932	221	3	a	a	DET
fsr-3932	221	4	preference	preference	NOUN
fsr-3932	221	5	for	for	ADP
fsr-3932	221	6	near	near	ADJ
fsr-3932	221	7	-	-	PUNCT
fsr-3932	221	8	term	term	NOUN
fsr-3932	221	9	savings	saving	NOUN
fsr-3932	221	10	,	,	PUNCT
fsr-3932	221	11	black	black	ADJ
fsr-3932	221	12	households	household	NOUN
fsr-3932	221	13	value	value	NOUN
fsr-3932	221	14	liquidity	liquidity	NOUN
fsr-3932	221	15	more	more	ADJ
fsr-3932	221	16	than	than	ADP
fsr-3932	221	17	their	their	PRON
fsr-3932	221	18	white	white	ADJ
fsr-3932	221	19	counterparts	counterpart	NOUN
fsr-3932	221	20	,	,	PUNCT
fsr-3932	221	21	showing	show	VERB
fsr-3932	221	22	a	a	DET
fsr-3932	221	23	greater	great	ADJ
fsr-3932	221	24	relative	relative	ADJ
fsr-3932	221	25	inclination	inclination	NOUN
fsr-3932	221	26	to	to	PART
fsr-3932	221	27	hold	hold	VERB
fsr-3932	221	28	cash	cash	NOUN
fsr-3932	221	29	and	and	CCONJ
fsr-3932	221	30	cash	cash	NOUN
fsr-3932	221	31	-	-	PUNCT
fsr-3932	221	32	equivalent	equivalent	ADJ
fsr-3932	221	33	assets	asset	NOUN
fsr-3932	221	34	while	while	SCONJ
fsr-3932	221	35	foregoing	forego	VERB
fsr-3932	221	36	less	less	ADJ
fsr-3932	221	37	liquid	liquid	ADJ
fsr-3932	221	38	assets	asset	NOUN
fsr-3932	221	39	offering	offer	VERB
fsr-3932	221	40	higher	high	ADJ
fsr-3932	221	41	rates	rate	NOUN
fsr-3932	221	42	of	of	ADP
fsr-3932	221	43	return	return	NOUN
fsr-3932	221	44	.	.	PUNCT
fsr-3932	222	1	this	this	DET
fsr-3932	222	2	356	356	NUM
fsr-3932	222	3	d.a	d.a	PROPN
fsr-3932	222	4	.	.	PROPN
fsr-3932	222	5	plath	plath	PROPN
fsr-3932	222	6	,	,	PUNCT
fsr-3932	222	7	t.h	t.h	PROPN
fsr-3932	222	8	.	.	PROPN
fsr-3932	222	9	stevenson	stevenson	PROPN
fsr-3932	222	10	/	/	SYM
fsr-3932	222	11	financial	financial	ADJ
fsr-3932	222	12	services	service	NOUN
fsr-3932	222	13	review	review	VERB
fsr-3932	222	14	94	94	NUM
fsr-3932	222	15	(	(	PUNCT
fsr-3932	222	16	2000	2000	NUM
fsr-3932	222	17	)	)	PUNCT
fsr-3932	223	1	343–359	343–359	NUM
fsr-3932	223	2	liquidity	liquidity	NOUN
fsr-3932	223	3	preference	preference	NOUN
fsr-3932	223	4	occurs	occur	VERB
fsr-3932	223	5	across	across	ADP
fsr-3932	223	6	all	all	PRON
fsr-3932	223	7	but	but	SCONJ
fsr-3932	223	8	the	the	DET
fsr-3932	223	9	lowest	low	ADJ
fsr-3932	223	10	income	income	NOUN
fsr-3932	223	11	strata	strata	NOUN
fsr-3932	223	12	.	.	PUNCT
fsr-3932	224	1	as	as	SCONJ
fsr-3932	224	2	income	income	NOUN
fsr-3932	224	3	levels	level	NOUN
fsr-3932	224	4	increase	increase	VERB
fsr-3932	224	5	,	,	PUNCT
fsr-3932	224	6	commercial	commercial	ADJ
fsr-3932	224	7	bank	bank	NOUN
fsr-3932	224	8	patronage	patronage	NOUN
fsr-3932	224	9	patterns	pattern	NOUN
fsr-3932	224	10	across	across	ADP
fsr-3932	224	11	black	black	ADJ
fsr-3932	224	12	and	and	CCONJ
fsr-3932	224	13	white	white	ADJ
fsr-3932	224	14	consumer	consumer	NOUN
fsr-3932	224	15	groups	group	NOUN
fsr-3932	224	16	become	become	VERB
fsr-3932	224	17	quite	quite	ADV
fsr-3932	224	18	similar	similar	ADJ
fsr-3932	224	19	,	,	PUNCT
fsr-3932	224	20	while	while	SCONJ
fsr-3932	224	21	divergent	divergent	ADJ
fsr-3932	224	22	patronage	patronage	NOUN
fsr-3932	224	23	patterns	pattern	NOUN
fsr-3932	224	24	characterize	characterize	VERB
fsr-3932	224	25	the	the	DET
fsr-3932	224	26	lowest	low	ADJ
fsr-3932	224	27	income	income	NOUN
fsr-3932	224	28	category	category	NOUN
fsr-3932	224	29	.	.	PUNCT
fsr-3932	225	1	within	within	ADP
fsr-3932	225	2	low	low	ADJ
fsr-3932	225	3	-	-	PUNCT
fsr-3932	225	4	income	income	NOUN
fsr-3932	225	5	households	household	NOUN
fsr-3932	225	6	,	,	PUNCT
fsr-3932	225	7	caucasians	caucasian	NOUN
fsr-3932	225	8	are	be	AUX
fsr-3932	225	9	far	far	ADV
fsr-3932	225	10	more	more	ADV
fsr-3932	225	11	likely	likely	ADJ
fsr-3932	225	12	than	than	SCONJ
fsr-3932	225	13	african	african	ADJ
fsr-3932	225	14	-	-	PUNCT
fsr-3932	225	15	americans	americans	PROPN
fsr-3932	225	16	to	to	PART
fsr-3932	225	17	maintain	maintain	VERB
fsr-3932	225	18	conventional	conventional	ADJ
fsr-3932	225	19	demand	demand	NOUN
fsr-3932	225	20	and	and	CCONJ
fsr-3932	225	21	time	time	NOUN
fsr-3932	225	22	deposit	deposit	NOUN
fsr-3932	225	23	account	account	NOUN
fsr-3932	225	24	relationships	relationship	NOUN
fsr-3932	225	25	with	with	ADP
fsr-3932	225	26	commercial	commercial	ADJ
fsr-3932	225	27	banks	bank	NOUN
fsr-3932	225	28	.	.	PUNCT
fsr-3932	226	1	at	at	ADP
fsr-3932	226	2	all	all	DET
fsr-3932	226	3	income	income	NOUN
fsr-3932	226	4	,	,	PUNCT
fsr-3932	226	5	education	education	NOUN
fsr-3932	226	6	,	,	PUNCT
fsr-3932	226	7	and	and	CCONJ
fsr-3932	226	8	age	age	NOUN
fsr-3932	226	9	levels	level	NOUN
fsr-3932	226	10	,	,	PUNCT
fsr-3932	226	11	however	however	ADV
fsr-3932	226	12	,	,	PUNCT
fsr-3932	226	13	african	african	ADJ
fsr-3932	226	14	-	-	PUNCT
fsr-3932	226	15	american	american	ADJ
fsr-3932	226	16	households	household	NOUN
fsr-3932	226	17	invest	invest	VERB
fsr-3932	226	18	a	a	DET
fsr-3932	226	19	smaller	small	ADJ
fsr-3932	226	20	percentage	percentage	NOUN
fsr-3932	226	21	of	of	ADP
fsr-3932	226	22	their	their	PRON
fsr-3932	226	23	portfolios	portfolio	NOUN
fsr-3932	226	24	in	in	ADP
fsr-3932	226	25	the	the	DET
fsr-3932	226	26	form	form	NOUN
fsr-3932	226	27	of	of	ADP
fsr-3932	226	28	mutual	mutual	ADJ
fsr-3932	226	29	funds	fund	NOUN
fsr-3932	226	30	,	,	PUNCT
fsr-3932	226	31	brokerage	brokerage	NOUN
fsr-3932	226	32	accounts	account	NOUN
fsr-3932	226	33	,	,	PUNCT
fsr-3932	226	34	and	and	CCONJ
fsr-3932	226	35	outright	outright	ADJ
fsr-3932	226	36	equity	equity	NOUN
fsr-3932	226	37	purchases	purchase	NOUN
fsr-3932	226	38	than	than	ADP
fsr-3932	226	39	caucasian	caucasian	ADJ
fsr-3932	226	40	households	household	NOUN
fsr-3932	226	41	.	.	PUNCT
fsr-3932	227	1	in	in	ADP
fsr-3932	227	2	addition	addition	NOUN
fsr-3932	227	3	,	,	PUNCT
fsr-3932	227	4	black	black	ADJ
fsr-3932	227	5	households	household	NOUN
fsr-3932	227	6	demonstrate	demonstrate	VERB
fsr-3932	227	7	a	a	DET
fsr-3932	227	8	distinct	distinct	ADJ
fsr-3932	227	9	preference	preference	NOUN
fsr-3932	227	10	for	for	ADP
fsr-3932	227	11	safety	safety	NOUN
fsr-3932	227	12	and	and	CCONJ
fsr-3932	227	13	security	security	NOUN
fsr-3932	227	14	in	in	ADP
fsr-3932	227	15	their	their	PRON
fsr-3932	227	16	investment	investment	NOUN
fsr-3932	227	17	preferences	preference	NOUN
fsr-3932	227	18	,	,	PUNCT
fsr-3932	227	19	favoring	favor	VERB
fsr-3932	227	20	life	life	NOUN
fsr-3932	227	21	insurance	insurance	NOUN
fsr-3932	227	22	and	and	CCONJ
fsr-3932	227	23	real	real	ADJ
fsr-3932	227	24	estate	estate	NOUN
fsr-3932	227	25	assets	asset	NOUN
fsr-3932	227	26	over	over	ADP
fsr-3932	227	27	corporate	corporate	ADJ
fsr-3932	227	28	debt	debt	NOUN
fsr-3932	227	29	and	and	CCONJ
fsr-3932	227	30	equity	equity	NOUN
fsr-3932	227	31	securities	security	NOUN
fsr-3932	227	32	across	across	ADP
fsr-3932	227	33	all	all	DET
fsr-3932	227	34	levels	level	NOUN
fsr-3932	227	35	of	of	ADP
fsr-3932	227	36	household	household	NOUN
fsr-3932	227	37	income	income	NOUN
fsr-3932	227	38	and	and	CCONJ
fsr-3932	227	39	educational	educational	ADJ
fsr-3932	227	40	attainment	attainment	NOUN
fsr-3932	227	41	.	.	PUNCT
fsr-3932	228	1	in	in	ADP
fsr-3932	228	2	most	most	ADJ
fsr-3932	228	3	african	african	ADJ
fsr-3932	228	4	-	-	PUNCT
fsr-3932	228	5	american	american	ADJ
fsr-3932	228	6	households	household	NOUN
fsr-3932	228	7	,	,	PUNCT
fsr-3932	228	8	life	life	NOUN
fsr-3932	228	9	insurance	insurance	NOUN
fsr-3932	228	10	represents	represent	VERB
fsr-3932	228	11	the	the	DET
fsr-3932	228	12	single	single	ADJ
fsr-3932	228	13	-	-	PUNCT
fsr-3932	228	14	most	most	ADV
fsr-3932	228	15	important	important	ADJ
fsr-3932	228	16	financial	financial	ADJ
fsr-3932	228	17	investment	investment	NOUN
fsr-3932	228	18	.	.	PUNCT
fsr-3932	229	1	life	life	NOUN
fsr-3932	229	2	insurance	insurance	NOUN
fsr-3932	229	3	participation	participation	NOUN
fsr-3932	229	4	rates	rate	NOUN
fsr-3932	229	5	for	for	ADP
fsr-3932	229	6	black	black	ADJ
fsr-3932	229	7	families	family	NOUN
fsr-3932	229	8	exceed	exceed	VERB
fsr-3932	229	9	those	those	PRON
fsr-3932	229	10	of	of	ADP
fsr-3932	229	11	white	white	ADJ
fsr-3932	229	12	families	family	NOUN
fsr-3932	229	13	across	across	ADP
fsr-3932	229	14	all	all	DET
fsr-3932	229	15	income	income	NOUN
fsr-3932	229	16	categories	category	NOUN
fsr-3932	229	17	.	.	PUNCT
fsr-3932	230	1	moreover	moreover	ADV
fsr-3932	230	2	,	,	PUNCT
fsr-3932	230	3	for	for	ADP
fsr-3932	230	4	middleand	middleand	PROPN
fsr-3932	230	5	upper	upper	ADJ
fsr-3932	230	6	middle	middle	ADJ
fsr-3932	230	7	-	-	PUNCT
fsr-3932	230	8	class	class	NOUN
fsr-3932	230	9	households	household	NOUN
fsr-3932	230	10	,	,	PUNCT
fsr-3932	230	11	the	the	DET
fsr-3932	230	12	reported	report	VERB
fsr-3932	230	13	value	value	NOUN
fsr-3932	230	14	of	of	ADP
fsr-3932	230	15	life	life	NOUN
fsr-3932	230	16	insurance	insurance	NOUN
fsr-3932	230	17	holdings	holding	NOUN
fsr-3932	230	18	across	across	ADP
fsr-3932	230	19	black	black	ADJ
fsr-3932	230	20	families	family	NOUN
fsr-3932	230	21	exceeds	exceed	VERB
fsr-3932	230	22	the	the	DET
fsr-3932	230	23	corresponding	corresponding	ADJ
fsr-3932	230	24	value	value	NOUN
fsr-3932	230	25	of	of	ADP
fsr-3932	230	26	white	white	ADJ
fsr-3932	230	27	households	household	NOUN
fsr-3932	230	28	’	'	PUNCT
fsr-3932	230	29	holdings	holding	NOUN
fsr-3932	230	30	.	.	PUNCT
fsr-3932	231	1	this	this	DET
fsr-3932	231	2	result	result	NOUN
fsr-3932	231	3	is	be	AUX
fsr-3932	231	4	particularly	particularly	ADV
fsr-3932	231	5	noteworthy	noteworthy	ADJ
fsr-3932	231	6	in	in	ADP
fsr-3932	231	7	light	light	NOUN
fsr-3932	231	8	of	of	ADP
fsr-3932	231	9	the	the	DET
fsr-3932	231	10	large	large	ADJ
fsr-3932	231	11	body	body	NOUN
fsr-3932	231	12	of	of	ADP
fsr-3932	231	13	academic	academic	ADJ
fsr-3932	231	14	literature	literature	NOUN
fsr-3932	231	15	that	that	PRON
fsr-3932	231	16	reports	report	VERB
fsr-3932	231	17	the	the	DET
fsr-3932	231	18	absolute	absolute	ADJ
fsr-3932	231	19	value	value	NOUN
fsr-3932	231	20	of	of	ADP
fsr-3932	231	21	household	household	NOUN
fsr-3932	231	22	wealth	wealth	NOUN
fsr-3932	231	23	across	across	ADP
fsr-3932	231	24	african	african	ADJ
fsr-3932	231	25	-	-	PUNCT
fsr-3932	231	26	american	american	ADJ
fsr-3932	231	27	households	household	NOUN
fsr-3932	231	28	to	to	PART
fsr-3932	231	29	be	be	AUX
fsr-3932	231	30	significantly	significantly	ADV
fsr-3932	231	31	below	below	ADP
fsr-3932	231	32	the	the	DET
fsr-3932	231	33	corresponding	corresponding	ADJ
fsr-3932	231	34	value	value	NOUN
fsr-3932	231	35	in	in	ADP
fsr-3932	231	36	caucasian	caucasian	ADJ
fsr-3932	231	37	households	household	NOUN
fsr-3932	231	38	.	.	PUNCT
fsr-3932	232	1	in	in	ADP
fsr-3932	232	2	relation	relation	NOUN
fsr-3932	232	3	to	to	ADP
fsr-3932	232	4	total	total	ADJ
fsr-3932	232	5	household	household	NOUN
fsr-3932	232	6	wealth	wealth	NOUN
fsr-3932	232	7	,	,	PUNCT
fsr-3932	232	8	it	it	PRON
fsr-3932	232	9	is	be	AUX
fsr-3932	232	10	clear	clear	ADJ
fsr-3932	232	11	that	that	SCONJ
fsr-3932	232	12	life	life	NOUN
fsr-3932	232	13	insurance	insurance	NOUN
fsr-3932	232	14	holdings	holding	NOUN
fsr-3932	232	15	represent	represent	VERB
fsr-3932	232	16	a	a	DET
fsr-3932	232	17	far	far	ADV
fsr-3932	232	18	more	more	ADV
fsr-3932	232	19	dominant	dominant	ADJ
fsr-3932	232	20	financial	financial	ADJ
fsr-3932	232	21	asset	asset	NOUN
fsr-3932	232	22	in	in	ADP
fsr-3932	232	23	black	black	ADJ
fsr-3932	232	24	households	household	NOUN
fsr-3932	232	25	than	than	ADP
fsr-3932	232	26	in	in	ADP
fsr-3932	232	27	white	white	ADJ
fsr-3932	232	28	households	household	NOUN
fsr-3932	232	29	.	.	PUNCT
fsr-3932	233	1	turning	turn	VERB
fsr-3932	233	2	to	to	ADP
fsr-3932	233	3	non	non	ADJ
fsr-3932	233	4	-	-	ADJ
fsr-3932	233	5	financial	financial	ADJ
fsr-3932	233	6	investment	investment	NOUN
fsr-3932	233	7	assets	asset	NOUN
fsr-3932	233	8	,	,	PUNCT
fsr-3932	233	9	the	the	DET
fsr-3932	233	10	market	market	NOUN
fsr-3932	233	11	value	value	NOUN
fsr-3932	233	12	of	of	ADP
fsr-3932	233	13	real	real	ADJ
fsr-3932	233	14	property	property	NOUN
fsr-3932	233	15	owned	own	VERB
fsr-3932	233	16	by	by	ADP
fsr-3932	233	17	black	black	ADJ
fsr-3932	233	18	families	family	NOUN
fsr-3932	233	19	—	—	PUNCT
fsr-3932	233	20	including	include	VERB
fsr-3932	233	21	owner	owner	NOUN
fsr-3932	233	22	-	-	PUNCT
fsr-3932	233	23	occupied	occupy	VERB
fsr-3932	233	24	residential	residential	ADJ
fsr-3932	233	25	real	real	ADJ
fsr-3932	233	26	estate	estate	NOUN
fsr-3932	233	27	,	,	PUNCT
fsr-3932	233	28	vacation	vacation	NOUN
fsr-3932	233	29	property	property	NOUN
fsr-3932	233	30	,	,	PUNCT
fsr-3932	233	31	and	and	CCONJ
fsr-3932	233	32	other	other	ADJ
fsr-3932	233	33	nonvacation	nonvacation	NOUN
fsr-3932	233	34	property	property	NOUN
fsr-3932	233	35	—	—	PUNCT
fsr-3932	233	36	lies	lie	VERB
fsr-3932	233	37	substantially	substantially	ADV
fsr-3932	233	38	below	below	ADP
fsr-3932	233	39	the	the	DET
fsr-3932	233	40	corresponding	corresponding	ADJ
fsr-3932	233	41	property	property	NOUN
fsr-3932	233	42	valuation	valuation	NOUN
fsr-3932	233	43	levels	level	NOUN
fsr-3932	233	44	reported	report	VERB
fsr-3932	233	45	by	by	ADP
fsr-3932	233	46	white	white	ADJ
fsr-3932	233	47	households	household	NOUN
fsr-3932	233	48	.	.	PUNCT
fsr-3932	234	1	similar	similar	ADJ
fsr-3932	234	2	to	to	ADP
fsr-3932	234	3	the	the	DET
fsr-3932	234	4	pattern	pattern	NOUN
fsr-3932	234	5	observed	observe	VERB
fsr-3932	234	6	for	for	ADP
fsr-3932	234	7	financial	financial	ADJ
fsr-3932	234	8	asset	asset	NOUN
fsr-3932	234	9	holdings	holding	NOUN
fsr-3932	234	10	across	across	ADP
fsr-3932	234	11	the	the	DET
fsr-3932	234	12	two	two	NUM
fsr-3932	234	13	racial	racial	ADJ
fsr-3932	234	14	groups	group	NOUN
fsr-3932	234	15	,	,	PUNCT
fsr-3932	234	16	this	this	DET
fsr-3932	234	17	real	real	ADJ
fsr-3932	234	18	estate	estate	NOUN
fsr-3932	234	19	valuation	valuation	NOUN
fsr-3932	234	20	gap	gap	NOUN
fsr-3932	234	21	persists	persist	VERB
fsr-3932	234	22	when	when	SCONJ
fsr-3932	234	23	controlling	control	VERB
fsr-3932	234	24	for	for	ADP
fsr-3932	234	25	income	income	NOUN
fsr-3932	234	26	,	,	PUNCT
fsr-3932	234	27	age	age	NOUN
fsr-3932	234	28	,	,	PUNCT
fsr-3932	234	29	and	and	CCONJ
fsr-3932	234	30	educational	educational	ADJ
fsr-3932	234	31	attainment	attainment	ADJ
fsr-3932	234	32	differences	difference	NOUN
fsr-3932	234	33	between	between	ADP
fsr-3932	234	34	the	the	DET
fsr-3932	234	35	two	two	NUM
fsr-3932	234	36	groups	group	NOUN
fsr-3932	234	37	.	.	PUNCT
fsr-3932	235	1	in	in	ADP
fsr-3932	235	2	addition	addition	NOUN
fsr-3932	235	3	,	,	PUNCT
fsr-3932	235	4	black	black	ADJ
fsr-3932	235	5	households	household	NOUN
fsr-3932	235	6	report	report	VERB
fsr-3932	235	7	greater	great	ADJ
fsr-3932	235	8	mortgage	mortgage	NOUN
fsr-3932	235	9	indebtedness	indebtedness	NOUN
fsr-3932	235	10	than	than	ADP
fsr-3932	235	11	their	their	PRON
fsr-3932	235	12	white	white	ADJ
fsr-3932	235	13	counterparts	counterpart	NOUN
fsr-3932	235	14	,	,	PUNCT
fsr-3932	235	15	particularly	particularly	ADV
fsr-3932	235	16	with	with	ADP
fsr-3932	235	17	respect	respect	NOUN
fsr-3932	235	18	to	to	ADP
fsr-3932	235	19	owner	owner	NOUN
fsr-3932	235	20	-	-	PUNCT
fsr-3932	235	21	occupied	occupy	VERB
fsr-3932	235	22	residential	residential	ADJ
fsr-3932	235	23	property	property	NOUN
fsr-3932	235	24	.	.	PUNCT
fsr-3932	236	1	african	african	ADJ
fsr-3932	236	2	-	-	PUNCT
fsr-3932	236	3	american	american	ADJ
fsr-3932	236	4	families	family	NOUN
fsr-3932	236	5	also	also	ADV
fsr-3932	236	6	wait	wait	VERB
fsr-3932	236	7	until	until	ADP
fsr-3932	236	8	later	later	ADV
fsr-3932	236	9	in	in	ADP
fsr-3932	236	10	life	life	NOUN
fsr-3932	236	11	,	,	PUNCT
fsr-3932	236	12	typically	typically	ADV
fsr-3932	236	13	between	between	ADP
fsr-3932	236	14	the	the	DET
fsr-3932	236	15	ages	age	NOUN
fsr-3932	236	16	of	of	ADP
fsr-3932	236	17	45	45	NUM
fsr-3932	236	18	and	and	CCONJ
fsr-3932	236	19	54	54	NUM
fsr-3932	236	20	,	,	PUNCT
fsr-3932	236	21	to	to	PART
fsr-3932	236	22	acquire	acquire	VERB
fsr-3932	236	23	residential	residential	ADJ
fsr-3932	236	24	real	real	ADJ
fsr-3932	236	25	estate	estate	NOUN
fsr-3932	236	26	.	.	PUNCT
fsr-3932	237	1	in	in	ADP
fsr-3932	237	2	contrast	contrast	NOUN
fsr-3932	237	3	,	,	PUNCT
fsr-3932	237	4	caucasian	caucasian	ADJ
fsr-3932	237	5	households	household	NOUN
fsr-3932	237	6	display	display	VERB
fsr-3932	237	7	a	a	DET
fsr-3932	237	8	major	major	ADJ
fsr-3932	237	9	surge	surge	NOUN
fsr-3932	237	10	in	in	ADP
fsr-3932	237	11	residential	residential	ADJ
fsr-3932	237	12	property	property	NOUN
fsr-3932	237	13	ownership	ownership	NOUN
fsr-3932	237	14	rates	rate	NOUN
fsr-3932	237	15	after	after	ADP
fsr-3932	237	16	age	age	NOUN
fsr-3932	237	17	35	35	NUM
fsr-3932	237	18	.	.	PUNCT
fsr-3932	238	1	in	in	ADP
fsr-3932	238	2	combination	combination	NOUN
fsr-3932	238	3	,	,	PUNCT
fsr-3932	238	4	these	these	DET
fsr-3932	238	5	findings	finding	NOUN
fsr-3932	238	6	suggest	suggest	VERB
fsr-3932	238	7	a	a	DET
fsr-3932	238	8	troubling	troubling	ADJ
fsr-3932	238	9	investment	investment	NOUN
fsr-3932	238	10	pattern	pattern	NOUN
fsr-3932	238	11	in	in	ADP
fsr-3932	238	12	which	which	PRON
fsr-3932	238	13	africanamerican	africanamerican	PROPN
fsr-3932	238	14	households	household	VERB
fsr-3932	238	15	underinvest	underinv	ADJ
fsr-3932	238	16	in	in	ADP
fsr-3932	238	17	financial	financial	ADJ
fsr-3932	238	18	asset	asset	NOUN
fsr-3932	238	19	categories	category	NOUN
fsr-3932	238	20	offering	offer	VERB
fsr-3932	238	21	relatively	relatively	ADV
fsr-3932	238	22	high	high	ADJ
fsr-3932	238	23	returns	return	NOUN
fsr-3932	238	24	,	,	PUNCT
fsr-3932	238	25	such	such	ADJ
fsr-3932	238	26	as	as	ADP
fsr-3932	238	27	common	common	ADJ
fsr-3932	238	28	stock	stock	NOUN
fsr-3932	238	29	,	,	PUNCT
fsr-3932	238	30	mutual	mutual	ADJ
fsr-3932	238	31	funds	fund	NOUN
fsr-3932	238	32	,	,	PUNCT
fsr-3932	238	33	corporate	corporate	ADJ
fsr-3932	238	34	bonds	bond	NOUN
fsr-3932	238	35	,	,	PUNCT
fsr-3932	238	36	and	and	CCONJ
fsr-3932	238	37	municipal	municipal	ADJ
fsr-3932	238	38	bonds	bond	NOUN
fsr-3932	238	39	,	,	PUNCT
fsr-3932	238	40	because	because	SCONJ
fsr-3932	238	41	they	they	PRON
fsr-3932	238	42	perceive	perceive	VERB
fsr-3932	238	43	that	that	SCONJ
fsr-3932	238	44	these	these	DET
fsr-3932	238	45	securities	security	NOUN
fsr-3932	238	46	carry	carry	VERB
fsr-3932	238	47	unacceptable	unacceptable	ADJ
fsr-3932	238	48	investment	investment	NOUN
fsr-3932	238	49	risks	risk	NOUN
fsr-3932	238	50	and	and	CCONJ
fsr-3932	238	51	offer	offer	VERB
fsr-3932	238	52	diminished	diminished	ADJ
fsr-3932	238	53	liquidity	liquidity	NOUN
fsr-3932	238	54	.	.	PUNCT
fsr-3932	239	1	at	at	ADP
fsr-3932	239	2	the	the	DET
fsr-3932	239	3	same	same	ADJ
fsr-3932	239	4	time	time	NOUN
fsr-3932	239	5	,	,	PUNCT
fsr-3932	239	6	african	african	ADJ
fsr-3932	239	7	-	-	PUNCT
fsr-3932	239	8	american	american	ADJ
fsr-3932	239	9	households	household	NOUN
fsr-3932	239	10	overinvest	overinv	ADJ
fsr-3932	239	11	,	,	PUNCT
fsr-3932	239	12	in	in	ADP
fsr-3932	239	13	relative	relative	ADJ
fsr-3932	239	14	terms	term	NOUN
fsr-3932	239	15	,	,	PUNCT
fsr-3932	239	16	in	in	ADP
fsr-3932	239	17	highly	highly	ADV
fsr-3932	239	18	liquid	liquid	ADJ
fsr-3932	239	19	financial	financial	ADJ
fsr-3932	239	20	assets	asset	NOUN
fsr-3932	239	21	offering	offer	VERB
fsr-3932	239	22	heightened	heighten	VERB
fsr-3932	239	23	liquidity	liquidity	NOUN
fsr-3932	239	24	only	only	ADV
fsr-3932	239	25	in	in	ADP
fsr-3932	239	26	exchange	exchange	NOUN
fsr-3932	239	27	for	for	ADP
fsr-3932	239	28	relatively	relatively	ADV
fsr-3932	239	29	lower	low	ADJ
fsr-3932	239	30	rates	rate	NOUN
fsr-3932	239	31	of	of	ADP
fsr-3932	239	32	return	return	NOUN
fsr-3932	239	33	over	over	ADP
fsr-3932	239	34	shorter	short	ADJ
fsr-3932	239	35	investment	investment	NOUN
fsr-3932	239	36	periods	period	NOUN
fsr-3932	239	37	.	.	PUNCT
fsr-3932	240	1	as	as	ADP
fsr-3932	240	2	a	a	DET
fsr-3932	240	3	consequence	consequence	NOUN
fsr-3932	240	4	,	,	PUNCT
fsr-3932	240	5	these	these	DET
fsr-3932	240	6	households	household	NOUN
fsr-3932	240	7	forego	forego	VERB
fsr-3932	240	8	the	the	DET
fsr-3932	240	9	benefits	benefit	NOUN
fsr-3932	240	10	of	of	ADP
fsr-3932	240	11	financial	financial	ADJ
fsr-3932	240	12	compounding	compounding	NOUN
fsr-3932	240	13	over	over	ADP
fsr-3932	240	14	a	a	DET
fsr-3932	240	15	lengthy	lengthy	ADJ
fsr-3932	240	16	investment	investment	NOUN
fsr-3932	240	17	horizon	horizon	NOUN
fsr-3932	240	18	at	at	ADP
fsr-3932	240	19	the	the	DET
fsr-3932	240	20	higher	high	ADJ
fsr-3932	240	21	annualized	annualize	VERB
fsr-3932	240	22	rates	rate	NOUN
fsr-3932	240	23	of	of	ADP
fsr-3932	240	24	return	return	NOUN
fsr-3932	240	25	associated	associate	VERB
fsr-3932	240	26	with	with	ADP
fsr-3932	240	27	debt	debt	NOUN
fsr-3932	240	28	and	and	CCONJ
fsr-3932	240	29	equity	equity	NOUN
fsr-3932	240	30	investments	investment	NOUN
fsr-3932	240	31	.	.	PUNCT
fsr-3932	241	1	finally	finally	ADV
fsr-3932	241	2	,	,	PUNCT
fsr-3932	241	3	africanamerican	africanamerican	PROPN
fsr-3932	241	4	households	household	NOUN
fsr-3932	241	5	emphasize	emphasize	VERB
fsr-3932	241	6	the	the	DET
fsr-3932	241	7	notion	notion	NOUN
fsr-3932	241	8	of	of	ADP
fsr-3932	241	9	intergenerational	intergenerational	ADJ
fsr-3932	241	10	wealth	wealth	NOUN
fsr-3932	241	11	transfer	transfer	NOUN
fsr-3932	241	12	over	over	ADP
fsr-3932	241	13	the	the	DET
fsr-3932	241	14	lifetime	lifetime	NOUN
fsr-3932	241	15	accumulation	accumulation	NOUN
fsr-3932	241	16	of	of	ADP
fsr-3932	241	17	wealth	wealth	NOUN
fsr-3932	241	18	as	as	ADP
fsr-3932	241	19	the	the	DET
fsr-3932	241	20	dominant	dominant	ADJ
fsr-3932	241	21	goal	goal	NOUN
fsr-3932	241	22	of	of	ADP
fsr-3932	241	23	investment	investment	NOUN
fsr-3932	241	24	strategy	strategy	NOUN
fsr-3932	241	25	.	.	PUNCT
fsr-3932	242	1	this	this	PRON
fsr-3932	242	2	is	be	AUX
fsr-3932	242	3	reflected	reflect	VERB
fsr-3932	242	4	in	in	ADP
fsr-3932	242	5	a	a	DET
fsr-3932	242	6	preference	preference	NOUN
fsr-3932	242	7	across	across	ADP
fsr-3932	242	8	black	black	ADJ
fsr-3932	242	9	households	household	NOUN
fsr-3932	242	10	for	for	ADP
fsr-3932	242	11	insurance	insurance	NOUN
fsr-3932	242	12	-	-	PUNCT
fsr-3932	242	13	based	base	VERB
fsr-3932	242	14	contractual	contractual	ADJ
fsr-3932	242	15	financial	financial	ADJ
fsr-3932	242	16	arrange357d.a	arrange357d.a	NOUN
fsr-3932	242	17	.	.	PUNCT
fsr-3932	243	1	plath	plath	NOUN
fsr-3932	243	2	,	,	PUNCT
fsr-3932	243	3	t.h	t.h	PROPN
fsr-3932	243	4	.	.	PROPN
fsr-3932	243	5	stevenson	stevenson	PROPN
fsr-3932	243	6	/	/	SYM
fsr-3932	243	7	financial	financial	ADJ
fsr-3932	243	8	services	service	NOUN
fsr-3932	243	9	review	review	VERB
fsr-3932	243	10	94	94	NUM
fsr-3932	243	11	(	(	PUNCT
fsr-3932	243	12	2000	2000	NUM
fsr-3932	243	13	)	)	PUNCT
fsr-3932	244	1	343–359	343–359	NUM
fsr-3932	244	2	ments	ment	NOUN
fsr-3932	244	3	that	that	PRON
fsr-3932	244	4	monetize	monetize	VERB
fsr-3932	244	5	upon	upon	SCONJ
fsr-3932	244	6	the	the	DET
fsr-3932	244	7	death	death	NOUN
fsr-3932	244	8	of	of	ADP
fsr-3932	244	9	the	the	DET
fsr-3932	244	10	investor	investor	NOUN
fsr-3932	244	11	,	,	PUNCT
fsr-3932	244	12	at	at	ADP
fsr-3932	244	13	the	the	DET
fsr-3932	244	14	expense	expense	NOUN
fsr-3932	244	15	of	of	ADP
fsr-3932	244	16	investment	investment	NOUN
fsr-3932	244	17	-	-	PUNCT
fsr-3932	244	18	based	base	VERB
fsr-3932	244	19	financial	financial	ADJ
fsr-3932	244	20	asset	asset	NOUN
fsr-3932	244	21	purchases	purchase	NOUN
fsr-3932	244	22	that	that	PRON
fsr-3932	244	23	build	build	VERB
fsr-3932	244	24	value	value	NOUN
fsr-3932	244	25	over	over	ADP
fsr-3932	244	26	the	the	DET
fsr-3932	244	27	investor	investor	NOUN
fsr-3932	244	28	’s	’s	PART
fsr-3932	244	29	life	life	NOUN
fsr-3932	244	30	span	span	NOUN
fsr-3932	244	31	.	.	PUNCT
fsr-3932	245	1	collectively	collectively	ADV
fsr-3932	245	2	,	,	PUNCT
fsr-3932	245	3	these	these	DET
fsr-3932	245	4	investment	investment	NOUN
fsr-3932	245	5	strategies	strategy	NOUN
fsr-3932	245	6	result	result	VERB
fsr-3932	245	7	in	in	ADP
fsr-3932	245	8	a	a	DET
fsr-3932	245	9	diminished	diminished	ADJ
fsr-3932	245	10	rate	rate	NOUN
fsr-3932	245	11	of	of	ADP
fsr-3932	245	12	wealth	wealth	NOUN
fsr-3932	245	13	accumulation	accumulation	NOUN
fsr-3932	245	14	over	over	ADP
fsr-3932	245	15	time	time	NOUN
fsr-3932	245	16	,	,	PUNCT
fsr-3932	245	17	and	and	CCONJ
fsr-3932	245	18	a	a	DET
fsr-3932	245	19	smaller	small	ADJ
fsr-3932	245	20	stock	stock	NOUN
fsr-3932	245	21	of	of	ADP
fsr-3932	245	22	total	total	ADJ
fsr-3932	245	23	accumulated	accumulate	VERB
fsr-3932	245	24	wealth	wealth	NOUN
fsr-3932	245	25	at	at	ADP
fsr-3932	245	26	any	any	DET
fsr-3932	245	27	given	give	VERB
fsr-3932	245	28	point	point	NOUN
fsr-3932	245	29	in	in	ADP
fsr-3932	245	30	time	time	NOUN
fsr-3932	245	31	,	,	PUNCT
fsr-3932	245	32	within	within	ADP
fsr-3932	245	33	africanamerican	africanamerican	PROPN
fsr-3932	245	34	households	household	NOUN
fsr-3932	245	35	.	.	PUNCT
fsr-3932	246	1	5	5	X
fsr-3932	246	2	.	.	X
fsr-3932	246	3	summary	summary	NOUN
fsr-3932	246	4	and	and	CCONJ
fsr-3932	246	5	recommendations	recommendation	NOUN
fsr-3932	246	6	this	this	DET
fsr-3932	246	7	paper	paper	NOUN
fsr-3932	246	8	has	have	AUX
fsr-3932	246	9	shown	show	VERB
fsr-3932	246	10	that	that	SCONJ
fsr-3932	246	11	the	the	DET
fsr-3932	246	12	african	african	ADJ
fsr-3932	246	13	-	-	PUNCT
fsr-3932	246	14	american	american	ADJ
fsr-3932	246	15	market	market	NOUN
fsr-3932	246	16	for	for	ADP
fsr-3932	246	17	financial	financial	ADJ
fsr-3932	246	18	services	service	NOUN
fsr-3932	246	19	has	have	AUX
fsr-3932	246	20	grown	grow	VERB
fsr-3932	246	21	rapidly	rapidly	ADV
fsr-3932	246	22	in	in	ADP
fsr-3932	246	23	size	size	NOUN
fsr-3932	246	24	and	and	CCONJ
fsr-3932	246	25	importance	importance	NOUN
fsr-3932	246	26	.	.	PUNCT
fsr-3932	247	1	this	this	DET
fsr-3932	247	2	growth	growth	NOUN
fsr-3932	247	3	represents	represent	VERB
fsr-3932	247	4	a	a	DET
fsr-3932	247	5	major	major	ADJ
fsr-3932	247	6	opportunity	opportunity	NOUN
fsr-3932	247	7	for	for	ADP
fsr-3932	247	8	the	the	DET
fsr-3932	247	9	marketers	marketer	NOUN
fsr-3932	247	10	of	of	ADP
fsr-3932	247	11	financial	financial	ADJ
fsr-3932	247	12	services	service	NOUN
fsr-3932	247	13	,	,	PUNCT
fsr-3932	247	14	because	because	SCONJ
fsr-3932	247	15	statistical	statistical	ADJ
fsr-3932	247	16	evidence	evidence	NOUN
fsr-3932	247	17	indicates	indicate	VERB
fsr-3932	247	18	that	that	SCONJ
fsr-3932	247	19	the	the	DET
fsr-3932	247	20	financial	financial	ADJ
fsr-3932	247	21	asset	asset	NOUN
fsr-3932	247	22	profiles	profile	NOUN
fsr-3932	247	23	of	of	ADP
fsr-3932	247	24	black	black	ADJ
fsr-3932	247	25	households	household	NOUN
fsr-3932	247	26	trail	trail	VERB
fsr-3932	247	27	those	those	PRON
fsr-3932	247	28	of	of	ADP
fsr-3932	247	29	their	their	PRON
fsr-3932	247	30	white	white	ADJ
fsr-3932	247	31	counterparts	counterpart	NOUN
fsr-3932	247	32	in	in	ADP
fsr-3932	247	33	terms	term	NOUN
fsr-3932	247	34	of	of	ADP
fsr-3932	247	35	breadth	breadth	NOUN
fsr-3932	247	36	and	and	CCONJ
fsr-3932	247	37	depth	depth	NOUN
fsr-3932	247	38	of	of	ADP
fsr-3932	247	39	holdings	holding	NOUN
fsr-3932	247	40	,	,	PUNCT
fsr-3932	247	41	particularly	particularly	ADV
fsr-3932	247	42	in	in	ADP
fsr-3932	247	43	the	the	DET
fsr-3932	247	44	area	area	NOUN
fsr-3932	247	45	of	of	ADP
fsr-3932	247	46	relatively	relatively	ADV
fsr-3932	247	47	risky	risky	ADJ
fsr-3932	247	48	,	,	PUNCT
fsr-3932	247	49	high	high	ADJ
fsr-3932	247	50	yield	yield	NOUN
fsr-3932	247	51	financial	financial	ADJ
fsr-3932	247	52	assets	asset	NOUN
fsr-3932	247	53	.	.	PUNCT
fsr-3932	248	1	moreover	moreover	ADV
fsr-3932	248	2	,	,	PUNCT
fsr-3932	248	3	the	the	DET
fsr-3932	248	4	paper	paper	NOUN
fsr-3932	248	5	has	have	AUX
fsr-3932	248	6	shown	show	VERB
fsr-3932	248	7	that	that	SCONJ
fsr-3932	248	8	the	the	DET
fsr-3932	248	9	african	african	ADJ
fsr-3932	248	10	-	-	PUNCT
fsr-3932	248	11	american	american	ADJ
fsr-3932	248	12	segment	segment	NOUN
fsr-3932	248	13	of	of	ADP
fsr-3932	248	14	the	the	DET
fsr-3932	248	15	market	market	NOUN
fsr-3932	248	16	demonstrates	demonstrate	VERB
fsr-3932	248	17	some	some	DET
fsr-3932	248	18	unique	unique	ADJ
fsr-3932	248	19	attitudes	attitude	NOUN
fsr-3932	248	20	and	and	CCONJ
fsr-3932	248	21	preferences	preference	NOUN
fsr-3932	248	22	that	that	PRON
fsr-3932	248	23	impact	impact	NOUN
fsr-3932	248	24	purchase	purchase	NOUN
fsr-3932	248	25	decision	decision	NOUN
fsr-3932	248	26	patterns	pattern	NOUN
fsr-3932	248	27	.	.	PUNCT
fsr-3932	249	1	to	to	PART
fsr-3932	249	2	respond	respond	VERB
fsr-3932	249	3	to	to	ADP
fsr-3932	249	4	the	the	DET
fsr-3932	249	5	opportunity	opportunity	NOUN
fsr-3932	249	6	to	to	PART
fsr-3932	249	7	serve	serve	VERB
fsr-3932	249	8	the	the	DET
fsr-3932	249	9	needs	need	NOUN
fsr-3932	249	10	of	of	ADP
fsr-3932	249	11	this	this	DET
fsr-3932	249	12	emerging	emerge	VERB
fsr-3932	249	13	segment	segment	NOUN
fsr-3932	249	14	of	of	ADP
fsr-3932	249	15	the	the	DET
fsr-3932	249	16	market	market	NOUN
fsr-3932	249	17	,	,	PUNCT
fsr-3932	249	18	this	this	DET
fsr-3932	249	19	paper	paper	NOUN
fsr-3932	249	20	shows	show	VERB
fsr-3932	249	21	that	that	SCONJ
fsr-3932	249	22	it	it	PRON
fsr-3932	249	23	is	be	AUX
fsr-3932	249	24	important	important	ADJ
fsr-3932	249	25	for	for	SCONJ
fsr-3932	249	26	financial	financial	ADJ
fsr-3932	249	27	service	service	NOUN
fsr-3932	249	28	providers	provider	NOUN
fsr-3932	249	29	to	to	PART
fsr-3932	249	30	be	be	AUX
fsr-3932	249	31	aware	aware	ADJ
fsr-3932	249	32	that	that	SCONJ
fsr-3932	249	33	investment	investment	NOUN
fsr-3932	249	34	preferences	preference	NOUN
fsr-3932	249	35	and	and	CCONJ
fsr-3932	249	36	asset	asset	NOUN
fsr-3932	249	37	accumulation	accumulation	NOUN
fsr-3932	249	38	patterns	pattern	NOUN
fsr-3932	249	39	differ	differ	VERB
fsr-3932	249	40	across	across	ADP
fsr-3932	249	41	different	different	ADJ
fsr-3932	249	42	racial	racial	ADJ
fsr-3932	249	43	groups	group	NOUN
fsr-3932	249	44	.	.	PUNCT
fsr-3932	250	1	examined	examine	VERB
fsr-3932	250	2	from	from	ADP
fsr-3932	250	3	this	this	DET
fsr-3932	250	4	perspective	perspective	NOUN
fsr-3932	250	5	,	,	PUNCT
fsr-3932	250	6	the	the	DET
fsr-3932	250	7	paper	paper	NOUN
fsr-3932	250	8	provides	provide	VERB
fsr-3932	250	9	financial	financial	ADJ
fsr-3932	250	10	planners	planner	NOUN
fsr-3932	250	11	seeking	seek	VERB
fsr-3932	250	12	to	to	PART
fsr-3932	250	13	serve	serve	VERB
fsr-3932	250	14	the	the	DET
fsr-3932	250	15	african	african	ADJ
fsr-3932	250	16	-	-	PUNCT
fsr-3932	250	17	american	american	ADJ
fsr-3932	250	18	community	community	NOUN
fsr-3932	250	19	with	with	ADP
fsr-3932	250	20	information	information	NOUN
fsr-3932	250	21	to	to	PART
fsr-3932	250	22	understand	understand	VERB
fsr-3932	250	23	the	the	DET
fsr-3932	250	24	community	community	NOUN
fsr-3932	250	25	,	,	PUNCT
fsr-3932	250	26	tailor	tailor	NOUN
fsr-3932	250	27	investment	investment	NOUN
fsr-3932	250	28	information	information	NOUN
fsr-3932	250	29	to	to	ADP
fsr-3932	250	30	the	the	DET
fsr-3932	250	31	unique	unique	ADJ
fsr-3932	250	32	needs	need	NOUN
fsr-3932	250	33	of	of	ADP
fsr-3932	250	34	this	this	DET
fsr-3932	250	35	community	community	NOUN
fsr-3932	250	36	,	,	PUNCT
fsr-3932	250	37	and	and	CCONJ
fsr-3932	250	38	interact	interact	VERB
fsr-3932	250	39	with	with	ADP
fsr-3932	250	40	this	this	DET
fsr-3932	250	41	community	community	NOUN
fsr-3932	250	42	to	to	PART
fsr-3932	250	43	render	render	VERB
fsr-3932	250	44	effective	effective	ADJ
fsr-3932	250	45	service	service	NOUN
fsr-3932	250	46	to	to	ADP
fsr-3932	250	47	the	the	DET
fsr-3932	250	48	families	family	NOUN
fsr-3932	250	49	and	and	CCONJ
fsr-3932	250	50	individuals	individual	NOUN
fsr-3932	250	51	who	who	PRON
fsr-3932	250	52	comprise	comprise	VERB
fsr-3932	250	53	this	this	DET
fsr-3932	250	54	attractive	attractive	ADJ
fsr-3932	250	55	and	and	CCONJ
fsr-3932	250	56	growing	grow	VERB
fsr-3932	250	57	segment	segment	NOUN
fsr-3932	250	58	of	of	ADP
fsr-3932	250	59	the	the	DET
fsr-3932	250	60	financial	financial	ADJ
fsr-3932	250	61	services	service	NOUN
fsr-3932	250	62	marketplace	marketplace	NOUN
fsr-3932	250	63	.	.	PUNCT
fsr-3932	251	1	references	reference	NOUN
fsr-3932	251	2	bajtelsmit	bajtelsmit	VERB
fsr-3932	251	3	,	,	PUNCT
fsr-3932	251	4	v.	v.	ADV
fsr-3932	251	5	,	,	PUNCT
fsr-3932	251	6	&	&	CCONJ
fsr-3932	251	7	bernasek	bernasek	PROPN
fsr-3932	251	8	,	,	PUNCT
fsr-3932	251	9	a.	a.	NOUN
fsr-3932	251	10	(	(	PUNCT
fsr-3932	251	11	1996	1996	NUM
fsr-3932	251	12	)	)	PUNCT
fsr-3932	251	13	.	.	PUNCT
fsr-3932	252	1	why	why	SCONJ
fsr-3932	252	2	do	do	AUX
fsr-3932	252	3	women	woman	NOUN
fsr-3932	252	4	invest	invest	VERB
fsr-3932	252	5	differently	differently	ADV
fsr-3932	252	6	than	than	ADP
fsr-3932	252	7	men	man	NOUN
fsr-3932	252	8	?	?	PUNCT
fsr-3932	253	1	financial	financial	ADJ
fsr-3932	253	2	counseling	counseling	NOUN
fsr-3932	253	3	and	and	CCONJ
fsr-3932	253	4	planning	planning	NOUN
fsr-3932	253	5	,	,	PUNCT
fsr-3932	253	6	7	7	NUM
fsr-3932	253	7	,	,	PUNCT
fsr-3932	253	8	1–9	1–9	PROPN
fsr-3932	253	9	.	.	NOUN
fsr-3932	253	10	badu	badu	PROPN
fsr-3932	253	11	,	,	PUNCT
fsr-3932	253	12	y.	y.	PROPN
fsr-3932	253	13	a.	a.	PROPN
fsr-3932	253	14	,	,	PUNCT
fsr-3932	253	15	daniels	daniels	PROPN
fsr-3932	253	16	,	,	PUNCT
fsr-3932	253	17	k.	k.	PROPN
fsr-3932	253	18	n.	n.	PROPN
fsr-3932	253	19	,	,	PUNCT
fsr-3932	253	20	&	&	CCONJ
fsr-3932	253	21	salandro	salandro	NOUN
fsr-3932	253	22	,	,	PUNCT
fsr-3932	253	23	d.	d.	PROPN
fsr-3932	253	24	p.	p.	PROPN
fsr-3932	253	25	(	(	PUNCT
fsr-3932	253	26	1999	1999	NUM
fsr-3932	253	27	)	)	PUNCT
fsr-3932	253	28	.	.	PUNCT
fsr-3932	254	1	am	be	AUX
fsr-3932	254	2	empirical	empirical	ADJ
fsr-3932	254	3	analysis	analysis	NOUN
fsr-3932	254	4	of	of	ADP
fsr-3932	254	5	differences	difference	NOUN
fsr-3932	254	6	in	in	ADP
fsr-3932	254	7	black	black	ADJ
fsr-3932	254	8	and	and	CCONJ
fsr-3932	254	9	white	white	ADJ
fsr-3932	254	10	asset	asset	NOUN
fsr-3932	254	11	and	and	CCONJ
fsr-3932	254	12	liability	liability	NOUN
fsr-3932	254	13	combinations	combination	NOUN
fsr-3932	254	14	.	.	PUNCT
fsr-3932	255	1	financial	financial	ADJ
fsr-3932	255	2	services	service	NOUN
fsr-3932	255	3	review	review	NOUN
fsr-3932	255	4	,	,	PUNCT
fsr-3932	255	5	8	8	NUM
fsr-3932	255	6	(	(	PUNCT
fsr-3932	255	7	3	3	NUM
fsr-3932	255	8	)	)	PUNCT
fsr-3932	255	9	,	,	PUNCT
fsr-3932	255	10	129–147	129–147	NUM
fsr-3932	255	11	.	.	PUNCT
fsr-3932	256	1	blau	blau	PROPN
fsr-3932	256	2	,	,	PUNCT
fsr-3932	256	3	f.	f.	PROPN
fsr-3932	256	4	d.	d.	PROPN
fsr-3932	256	5	,	,	PUNCT
fsr-3932	256	6	&	&	CCONJ
fsr-3932	256	7	graham	graham	PROPN
fsr-3932	256	8	,	,	PUNCT
fsr-3932	256	9	j.	j.	PROPN
fsr-3932	256	10	w.	w.	PROPN
fsr-3932	256	11	(	(	PUNCT
fsr-3932	256	12	1990	1990	NUM
fsr-3932	256	13	)	)	PUNCT
fsr-3932	256	14	.	.	PUNCT
fsr-3932	257	1	black	black	ADJ
fsr-3932	257	2	-	-	PUNCT
fsr-3932	257	3	white	white	ADJ
fsr-3932	257	4	differences	difference	NOUN
fsr-3932	257	5	in	in	ADP
fsr-3932	257	6	wealth	wealth	NOUN
fsr-3932	257	7	and	and	CCONJ
fsr-3932	257	8	asset	asset	NOUN
fsr-3932	257	9	composition	composition	NOUN
fsr-3932	257	10	.	.	PUNCT
fsr-3932	258	1	quarterly	quarterly	ADJ
fsr-3932	258	2	journal	journal	NOUN
fsr-3932	258	3	of	of	ADP
fsr-3932	258	4	economics	economic	NOUN
fsr-3932	258	5	,	,	PUNCT
fsr-3932	258	6	105	105	NUM
fsr-3932	258	7	(	(	PUNCT
fsr-3932	258	8	2	2	NUM
fsr-3932	258	9	)	)	PUNCT
fsr-3932	258	10	,	,	PUNCT
fsr-3932	258	11	321–339	321–339	NUM
fsr-3932	258	12	.	.	PUNCT
fsr-3932	258	13	board	board	NOUN
fsr-3932	258	14	of	of	ADP
fsr-3932	258	15	governors	governor	NOUN
fsr-3932	258	16	of	of	ADP
fsr-3932	258	17	the	the	DET
fsr-3932	258	18	federal	federal	PROPN
fsr-3932	258	19	reserve	reserve	PROPN
fsr-3932	258	20	system	system	NOUN
fsr-3932	258	21	.	.	PUNCT
fsr-3932	259	1	(	(	PUNCT
fsr-3932	259	2	2000	2000	NUM
fsr-3932	259	3	)	)	PUNCT
fsr-3932	259	4	.	.	PUNCT
fsr-3932	260	1	codebook	codebook	NOUN
fsr-3932	260	2	for	for	ADP
fsr-3932	260	3	1998	1998	NUM
fsr-3932	260	4	survey	survey	NOUN
fsr-3932	260	5	of	of	ADP
fsr-3932	260	6	consumer	consumer	NOUN
fsr-3932	260	7	finances	finance	NOUN
fsr-3932	260	8	.	.	PUNCT
fsr-3932	261	1	washington	washington	PROPN
fsr-3932	261	2	,	,	PUNCT
fsr-3932	261	3	d.c	d.c	PROPN
fsr-3932	261	4	.	.	PUNCT
fsr-3932	261	5	:	:	PUNCT
fsr-3932	261	6	federal	federal	PROPN
fsr-3932	261	7	reserve	reserve	NOUN
fsr-3932	261	8	system	system	NOUN
fsr-3932	261	9	(	(	PUNCT
fsr-3932	261	10	february	february	PROPN
fsr-3932	261	11	15	15	NUM
fsr-3932	261	12	)	)	PUNCT
fsr-3932	261	13	.	.	PUNCT
fsr-3932	262	1	boyce	boyce	PROPN
fsr-3932	262	2	,	,	PUNCT
fsr-3932	262	3	j.	j.	PROPN
fsr-3932	262	4	(	(	PUNCT
fsr-3932	262	5	1998	1998	NUM
fsr-3932	262	6	)	)	PUNCT
fsr-3932	262	7	.	.	PUNCT
fsr-3932	263	1	blacks	black	NOUN
fsr-3932	263	2	are	be	AUX
fsr-3932	263	3	bearish	bearish	ADJ
fsr-3932	263	4	on	on	ADP
fsr-3932	263	5	wall	wall	PROPN
fsr-3932	263	6	street	street	PROPN
fsr-3932	263	7	says	say	VERB
fsr-3932	263	8	new	new	ADJ
fsr-3932	263	9	survey	survey	NOUN
fsr-3932	263	10	.	.	PUNCT
fsr-3932	264	1	the	the	DET
fsr-3932	264	2	wall	wall	PROPN
fsr-3932	264	3	street	street	PROPN
fsr-3932	264	4	journal	journal	PROPN
fsr-3932	264	5	(	(	PUNCT
fsr-3932	264	6	april	april	PROPN
fsr-3932	264	7	9	9	NUM
fsr-3932	264	8	)	)	PUNCT
fsr-3932	264	9	,	,	PUNCT
fsr-3932	264	10	c-21	c-21	PROPN
fsr-3932	264	11	.	.	PUNCT
fsr-3932	264	12	brimmer	brimmer	NOUN
fsr-3932	264	13	,	,	PUNCT
fsr-3932	264	14	a.	a.	NOUN
fsr-3932	264	15	(	(	PUNCT
fsr-3932	264	16	1991	1991	NUM
fsr-3932	264	17	)	)	PUNCT
fsr-3932	264	18	.	.	PUNCT
fsr-3932	265	1	building	build	VERB
fsr-3932	265	2	wealth	wealth	NOUN
fsr-3932	265	3	and	and	CCONJ
fsr-3932	265	4	assets	asset	NOUN
fsr-3932	265	5	.	.	PUNCT
fsr-3932	266	1	black	black	ADJ
fsr-3932	266	2	enterprise	enterprise	NOUN
fsr-3932	266	3	(	(	PUNCT
fsr-3932	266	4	july	july	PROPN
fsr-3932	266	5	)	)	PUNCT
fsr-3932	266	6	,	,	PUNCT
fsr-3932	266	7	32	32	NUM
fsr-3932	266	8	.	.	PUNCT
fsr-3932	266	9	burlew	burlew	PROPN
fsr-3932	266	10	,	,	PUNCT
fsr-3932	266	11	a.	a.	NOUN
fsr-3932	266	12	,	,	PUNCT
fsr-3932	266	13	banks	bank	NOUN
fsr-3932	266	14	,	,	PUNCT
fsr-3932	266	15	w.	w.	PROPN
fsr-3932	266	16	,	,	PUNCT
fsr-3932	266	17	mcadoo	mcadoo	PROPN
fsr-3932	266	18	,	,	PUNCT
fsr-3932	266	19	h.	h.	PROPN
fsr-3932	266	20	,	,	PUNCT
fsr-3932	266	21	&	&	CCONJ
fsr-3932	266	22	azibo	azibo	PROPN
fsr-3932	266	23	,	,	PUNCT
fsr-3932	266	24	d.	d.	PROPN
fsr-3932	266	25	(	(	PUNCT
fsr-3932	266	26	eds	eds	PROPN
fsr-3932	266	27	.	.	PUNCT
fsr-3932	266	28	)	)	PUNCT
fsr-3932	266	29	.	.	PUNCT
fsr-3932	267	1	(	(	PUNCT
fsr-3932	267	2	1992	1992	NUM
fsr-3932	267	3	)	)	PUNCT
fsr-3932	267	4	.	.	PUNCT
fsr-3932	268	1	african	african	ADJ
fsr-3932	268	2	-	-	PUNCT
fsr-3932	268	3	american	american	ADJ
fsr-3932	268	4	psychology	psychology	PROPN
fsr-3932	268	5	,	,	PUNCT
fsr-3932	268	6	newbury	newbury	PROPN
fsr-3932	268	7	park	park	PROPN
fsr-3932	268	8	,	,	PUNCT
fsr-3932	268	9	nj	nj	PROPN
fsr-3932	268	10	:	:	PUNCT
fsr-3932	268	11	sage	sage	NOUN
fsr-3932	268	12	publications	publication	NOUN
fsr-3932	268	13	,	,	PUNCT
fsr-3932	268	14	inc	inc	PROPN
fsr-3932	268	15	.	.	PROPN
fsr-3932	268	16	gutter	gutter	NOUN
fsr-3932	268	17	,	,	PUNCT
fsr-3932	268	18	m.	m.	NOUN
fsr-3932	268	19	s.	s.	PROPN
fsr-3932	268	20	,	,	PUNCT
fsr-3932	268	21	fox	fox	PROPN
fsr-3932	268	22	,	,	PUNCT
fsr-3932	268	23	j.	j.	PROPN
fsr-3932	268	24	j.	j.	PROPN
fsr-3932	268	25	,	,	PUNCT
fsr-3932	268	26	&	&	CCONJ
fsr-3932	268	27	montalto	montalto	PROPN
fsr-3932	268	28	,	,	PUNCT
fsr-3932	268	29	c.	c.	PROPN
fsr-3932	268	30	p.	p.	PROPN
fsr-3932	268	31	(	(	PUNCT
fsr-3932	268	32	1999	1999	NUM
fsr-3932	268	33	)	)	PUNCT
fsr-3932	268	34	.	.	PUNCT
fsr-3932	269	1	racial	racial	ADJ
fsr-3932	269	2	differences	difference	NOUN
fsr-3932	269	3	in	in	ADP
fsr-3932	269	4	investor	investor	NOUN
fsr-3932	269	5	decision	decision	NOUN
fsr-3932	269	6	making	making	NOUN
fsr-3932	269	7	.	.	PUNCT
fsr-3932	270	1	financial	financial	ADJ
fsr-3932	270	2	services	service	NOUN
fsr-3932	270	3	review	review	NOUN
fsr-3932	270	4	,	,	PUNCT
fsr-3932	270	5	8	8	NUM
fsr-3932	270	6	(	(	PUNCT
fsr-3932	270	7	3	3	NUM
fsr-3932	270	8	)	)	PUNCT
fsr-3932	270	9	,	,	PUNCT
fsr-3932	270	10	149–162	149–162	NUM
fsr-3932	270	11	.	.	PUNCT
fsr-3932	271	1	kennickell	kennickell	PROPN
fsr-3932	271	2	,	,	PUNCT
fsr-3932	271	3	a.	a.	PROPN
fsr-3932	271	4	b.	b.	PROPN
fsr-3932	271	5	,	,	PUNCT
fsr-3932	271	6	starr	starr	PROPN
fsr-3932	271	7	-	-	PUNCT
fsr-3932	271	8	mccluer	mccluer	PROPN
fsr-3932	271	9	,	,	PUNCT
fsr-3932	271	10	m.	m.	NOUN
fsr-3932	271	11	,	,	PUNCT
fsr-3932	271	12	&	&	CCONJ
fsr-3932	271	13	surette	surette	PROPN
fsr-3932	271	14	,	,	PUNCT
fsr-3932	271	15	b.	b.	PROPN
fsr-3932	271	16	j.	j.	PROPN
fsr-3932	271	17	(	(	PUNCT
fsr-3932	271	18	2000	2000	NUM
fsr-3932	271	19	)	)	PUNCT
fsr-3932	271	20	.	.	PUNCT
fsr-3932	272	1	recent	recent	ADJ
fsr-3932	272	2	changes	change	NOUN
fsr-3932	272	3	in	in	ADP
fsr-3932	272	4	u.s	u.s	PROPN
fsr-3932	272	5	.	.	PROPN
fsr-3932	272	6	family	family	NOUN
fsr-3932	272	7	finances	finance	NOUN
fsr-3932	272	8	:	:	PUNCT
fsr-3932	272	9	results	result	NOUN
fsr-3932	272	10	from	from	ADP
fsr-3932	272	11	the	the	DET
fsr-3932	272	12	1998	1998	NUM
fsr-3932	272	13	survey	survey	NOUN
fsr-3932	272	14	of	of	ADP
fsr-3932	272	15	consumer	consumer	NOUN
fsr-3932	272	16	finances	finance	NOUN
fsr-3932	272	17	.	.	PUNCT
fsr-3932	273	1	federal	federal	PROPN
fsr-3932	273	2	reserve	reserve	PROPN
fsr-3932	273	3	bulletin	bulletin	PROPN
fsr-3932	273	4	,	,	PUNCT
fsr-3932	273	5	86	86	NUM
fsr-3932	273	6	(	(	PUNCT
fsr-3932	273	7	january	january	PROPN
fsr-3932	273	8	)	)	PUNCT
fsr-3932	273	9	,	,	PUNCT
fsr-3932	273	10	1–29	1–29	PROPN
fsr-3932	273	11	.	.	PUNCT
fsr-3932	274	1	lach	lach	PROPN
fsr-3932	274	2	,	,	PUNCT
fsr-3932	274	3	j.	j.	PROPN
fsr-3932	274	4	(	(	PUNCT
fsr-3932	274	5	1999	1999	NUM
fsr-3932	274	6	)	)	PUNCT
fsr-3932	274	7	.	.	PUNCT
fsr-3932	275	1	the	the	DET
fsr-3932	275	2	color	color	NOUN
fsr-3932	275	3	of	of	ADP
fsr-3932	275	4	money	money	NOUN
fsr-3932	275	5	.	.	PUNCT
fsr-3932	276	1	american	american	ADJ
fsr-3932	276	2	demographics	demographics	PROPN
fsr-3932	276	3	,	,	PUNCT
fsr-3932	276	4	(	(	PUNCT
fsr-3932	276	5	february	february	PROPN
fsr-3932	276	6	)	)	PUNCT
fsr-3932	276	7	,	,	PUNCT
fsr-3932	276	8	59–60	59–60	PROPN
fsr-3932	276	9	.	.	PUNCT
fsr-3932	276	10	montalto	montalto	PROPN
fsr-3932	276	11	,	,	PUNCT
fsr-3932	276	12	c.	c.	PROPN
fsr-3932	276	13	p.	p.	PROPN
fsr-3932	276	14	,	,	PUNCT
fsr-3932	276	15	&	&	CCONJ
fsr-3932	276	16	sung	sung	PROPN
fsr-3932	276	17	,	,	PUNCT
fsr-3932	276	18	j.	j.	PROPN
fsr-3932	276	19	multiple	multiple	ADJ
fsr-3932	276	20	imputation	imputation	NOUN
fsr-3932	276	21	in	in	ADP
fsr-3932	276	22	the	the	DET
fsr-3932	276	23	1992	1992	NUM
fsr-3932	276	24	survey	survey	NOUN
fsr-3932	276	25	of	of	ADP
fsr-3932	276	26	consumer	consumer	NOUN
fsr-3932	276	27	finances	finance	NOUN
fsr-3932	276	28	.	.	PUNCT
fsr-3932	277	1	financial	financial	ADJ
fsr-3932	277	2	counseling	counseling	NOUN
fsr-3932	277	3	and	and	CCONJ
fsr-3932	277	4	planning	planning	NOUN
fsr-3932	277	5	,	,	PUNCT
fsr-3932	277	6	7	7	NUM
fsr-3932	277	7	(	(	PUNCT
fsr-3932	277	8	1996	1996	NUM
fsr-3932	277	9	)	)	PUNCT
fsr-3932	277	10	,	,	PUNCT
fsr-3932	277	11	133–146	133–146	NUM
fsr-3932	277	12	.	.	PUNCT
fsr-3932	278	1	358	358	NUM
fsr-3932	278	2	d.a	d.a	PROPN
fsr-3932	278	3	.	.	PROPN
fsr-3932	278	4	plath	plath	PROPN
fsr-3932	278	5	,	,	PUNCT
fsr-3932	278	6	t.h	t.h	PROPN
fsr-3932	278	7	.	.	PROPN
fsr-3932	278	8	stevenson	stevenson	PROPN
fsr-3932	278	9	/	/	SYM
fsr-3932	278	10	financial	financial	ADJ
fsr-3932	278	11	services	service	NOUN
fsr-3932	278	12	review	review	VERB
fsr-3932	278	13	94	94	NUM
fsr-3932	278	14	(	(	PUNCT
fsr-3932	278	15	2000	2000	NUM
fsr-3932	278	16	)	)	PUNCT
fsr-3932	279	1	343–359	343–359	NUM
fsr-3932	279	2	morin	morin	NOUN
fsr-3932	279	3	,	,	PUNCT
fsr-3932	279	4	r.	r.	PROPN
fsr-3932	279	5	a.	a.	PROPN
fsr-3932	279	6	,	,	PUNCT
fsr-3932	279	7	&	&	CCONJ
fsr-3932	279	8	suarez	suarez	PROPN
fsr-3932	279	9	,	,	PUNCT
fsr-3932	279	10	a.	a.	PROPN
fsr-3932	279	11	f.	f.	PROPN
fsr-3932	279	12	(	(	PUNCT
fsr-3932	279	13	1983	1983	NUM
fsr-3932	279	14	)	)	PUNCT
fsr-3932	279	15	.	.	PUNCT
fsr-3932	280	1	risk	risk	NOUN
fsr-3932	280	2	aversion	aversion	NOUN
fsr-3932	280	3	revisited	revisit	VERB
fsr-3932	280	4	.	.	PUNCT
fsr-3932	281	1	journal	journal	PROPN
fsr-3932	281	2	of	of	ADP
fsr-3932	281	3	finance	finance	NOUN
fsr-3932	281	4	,	,	PUNCT
fsr-3932	281	5	38	38	NUM
fsr-3932	281	6	(	(	PUNCT
fsr-3932	281	7	4	4	NUM
fsr-3932	281	8	)	)	PUNCT
fsr-3932	281	9	,	,	PUNCT
fsr-3932	281	10	1206–1216	1206–1216	NUM
fsr-3932	281	11	.	.	PUNCT
fsr-3932	281	12	morrall	morrall	PROPN
fsr-3932	281	13	,	,	PUNCT
fsr-3932	281	14	k.	k.	PROPN
fsr-3932	281	15	(	(	PUNCT
fsr-3932	281	16	1996	1996	NUM
fsr-3932	281	17	)	)	PUNCT
fsr-3932	281	18	.	.	PUNCT
fsr-3932	282	1	appealing	appeal	VERB
fsr-3932	282	2	to	to	ADP
fsr-3932	282	3	the	the	DET
fsr-3932	282	4	african	african	ADJ
fsr-3932	282	5	-	-	PUNCT
fsr-3932	282	6	american	american	ADJ
fsr-3932	282	7	market	market	NOUN
fsr-3932	282	8	.	.	PUNCT
fsr-3932	283	1	bank	bank	NOUN
fsr-3932	283	2	marketing	marketing	NOUN
fsr-3932	283	3	,	,	PUNCT
fsr-3932	283	4	28	28	NUM
fsr-3932	283	5	(	(	PUNCT
fsr-3932	283	6	5	5	NUM
fsr-3932	283	7	)	)	PUNCT
fsr-3932	283	8	,	,	PUNCT
fsr-3932	283	9	18–23	18–23	NUM
fsr-3932	283	10	.	.	PUNCT
fsr-3932	284	1	myers	myers	PROPN
fsr-3932	284	2	,	,	PUNCT
fsr-3932	284	3	s.	s.	PROPN
fsr-3932	284	4	,	,	PUNCT
fsr-3932	284	5	&	&	CCONJ
fsr-3932	284	6	chung	chung	PROPN
fsr-3932	284	7	,	,	PUNCT
fsr-3932	284	8	c.	c.	PROPN
fsr-3932	284	9	(	(	PUNCT
fsr-3932	284	10	1996	1996	NUM
fsr-3932	284	11	)	)	PUNCT
fsr-3932	284	12	.	.	PUNCT
fsr-3932	285	1	racial	racial	ADJ
fsr-3932	285	2	differences	difference	NOUN
fsr-3932	285	3	in	in	ADP
fsr-3932	285	4	home	home	NOUN
fsr-3932	285	5	ownership	ownership	NOUN
fsr-3932	285	6	and	and	CCONJ
fsr-3932	285	7	home	home	NOUN
fsr-3932	285	8	equity	equity	NOUN
fsr-3932	285	9	among	among	ADP
fsr-3932	285	10	preretirement	preretirement	ADJ
fsr-3932	285	11	-	-	PUNCT
fsr-3932	285	12	aged	aged	ADJ
fsr-3932	285	13	households	household	NOUN
fsr-3932	285	14	.	.	PUNCT
fsr-3932	286	1	the	the	DET
fsr-3932	286	2	gerontologist	gerontologist	NOUN
fsr-3932	286	3	,	,	PUNCT
fsr-3932	286	4	36	36	NUM
fsr-3932	286	5	(	(	PUNCT
fsr-3932	286	6	3	3	NUM
fsr-3932	286	7	)	)	PUNCT
fsr-3932	286	8	,	,	PUNCT
fsr-3932	286	9	350–360	350–360	NUM
fsr-3932	286	10	.	.	PUNCT
fsr-3932	287	1	reichenstein	reichenstein	PROPN
fsr-3932	287	2	,	,	PUNCT
fsr-3932	287	3	w.	w.	PROPN
fsr-3932	287	4	(	(	PUNCT
fsr-3932	287	5	1998	1998	NUM
fsr-3932	287	6	)	)	PUNCT
fsr-3932	287	7	.	.	PUNCT
fsr-3932	288	1	calculating	calculate	VERB
fsr-3932	288	2	a	a	DET
fsr-3932	288	3	family	family	NOUN
fsr-3932	288	4	’s	’s	PART
fsr-3932	288	5	asset	asset	NOUN
fsr-3932	288	6	mix	mix	NOUN
fsr-3932	288	7	.	.	PUNCT
fsr-3932	289	1	financial	financial	ADJ
fsr-3932	289	2	services	service	NOUN
fsr-3932	289	3	review	review	PROPN
fsr-3932	289	4	,	,	PUNCT
fsr-3932	289	5	7	7	NUM
fsr-3932	289	6	(	(	PUNCT
fsr-3932	289	7	3	3	NUM
fsr-3932	289	8	)	)	PUNCT
fsr-3932	289	9	,	,	PUNCT
fsr-3932	289	10	195–206	195–206	NUM
fsr-3932	289	11	.	.	PUNCT
fsr-3932	290	1	schooley	schooley	PROPN
fsr-3932	290	2	,	,	PUNCT
fsr-3932	290	3	d.	d.	PROPN
fsr-3932	290	4	i.	i.	PROPN
fsr-3932	290	5	,	,	PUNCT
fsr-3932	290	6	&	&	CCONJ
fsr-3932	290	7	worden	worden	PROPN
fsr-3932	290	8	,	,	PUNCT
fsr-3932	290	9	d.	d.	PROPN
fsr-3932	290	10	d.	d.	PROPN
fsr-3932	290	11	(	(	PUNCT
fsr-3932	290	12	1996	1996	NUM
fsr-3932	290	13	)	)	PUNCT
fsr-3932	290	14	.	.	PUNCT
fsr-3932	291	1	risk	risk	NOUN
fsr-3932	291	2	aversion	aversion	NOUN
fsr-3932	291	3	measures	measure	NOUN
fsr-3932	291	4	:	:	PUNCT
fsr-3932	291	5	comparing	compare	VERB
fsr-3932	291	6	attitudes	attitude	NOUN
fsr-3932	291	7	and	and	CCONJ
fsr-3932	291	8	asset	asset	NOUN
fsr-3932	291	9	allocation	allocation	NOUN
fsr-3932	291	10	.	.	PUNCT
fsr-3932	292	1	financial	financial	ADJ
fsr-3932	292	2	services	service	NOUN
fsr-3932	292	3	review	review	NOUN
fsr-3932	292	4	,	,	PUNCT
fsr-3932	292	5	5	5	NUM
fsr-3932	292	6	(	(	PUNCT
fsr-3932	292	7	2	2	NUM
fsr-3932	292	8	)	)	PUNCT
fsr-3932	292	9	,	,	PUNCT
fsr-3932	292	10	87–99	87–99	NUM
fsr-3932	292	11	.	.	PUNCT
fsr-3932	292	12	scott	scott	PROPN
fsr-3932	292	13	,	,	PUNCT
fsr-3932	292	14	m.	m.	NOUN
fsr-3932	292	15	(	(	PUNCT
fsr-3932	292	16	1998	1998	NUM
fsr-3932	292	17	)	)	PUNCT
fsr-3932	292	18	.	.	PUNCT
fsr-3932	293	1	do	do	AUX
fsr-3932	293	2	n’t	not	PART
fsr-3932	293	3	let	let	VERB
fsr-3932	293	4	the	the	DET
fsr-3932	293	5	bull	bull	NOUN
fsr-3932	293	6	market	market	NOUN
fsr-3932	293	7	pass	pass	VERB
fsr-3932	293	8	you	you	PRON
fsr-3932	293	9	by	by	ADP
fsr-3932	293	10	.	.	PUNCT
fsr-3932	294	1	black	black	ADJ
fsr-3932	294	2	enterprise	enterprise	NOUN
fsr-3932	294	3	,	,	PUNCT
fsr-3932	294	4	28	28	NUM
fsr-3932	294	5	(	(	PUNCT
fsr-3932	294	6	june	june	PROPN
fsr-3932	294	7	)	)	PUNCT
fsr-3932	294	8	,	,	PUNCT
fsr-3932	294	9	243	243	NUM
fsr-3932	294	10	.	.	PUNCT
fsr-3932	294	11	shaw	shaw	PROPN
fsr-3932	294	12	,	,	PUNCT
fsr-3932	294	13	k.	k.	PROPN
fsr-3932	294	14	(	(	PUNCT
fsr-3932	294	15	1996	1996	NUM
fsr-3932	294	16	)	)	PUNCT
fsr-3932	294	17	.	.	PUNCT
fsr-3932	295	1	an	an	DET
fsr-3932	295	2	empirical	empirical	ADJ
fsr-3932	295	3	analysis	analysis	NOUN
fsr-3932	295	4	of	of	ADP
fsr-3932	295	5	risk	risk	NOUN
fsr-3932	295	6	aversion	aversion	NOUN
fsr-3932	295	7	and	and	CCONJ
fsr-3932	295	8	income	income	NOUN
fsr-3932	295	9	growth	growth	NOUN
fsr-3932	295	10	.	.	PUNCT
fsr-3932	296	1	journal	journal	NOUN
fsr-3932	296	2	of	of	ADP
fsr-3932	296	3	labor	labor	NOUN
fsr-3932	296	4	economics	economic	NOUN
fsr-3932	296	5	,	,	PUNCT
fsr-3932	296	6	14	14	NUM
fsr-3932	296	7	(	(	PUNCT
fsr-3932	296	8	4	4	NUM
fsr-3932	296	9	)	)	PUNCT
fsr-3932	296	10	,	,	PUNCT
fsr-3932	296	11	626–653	626–653	NUM
fsr-3932	296	12	.	.	PUNCT
fsr-3932	297	1	yuh	yuh	PROPN
fsr-3932	297	2	,	,	PUNCT
fsr-3932	297	3	y.	y.	PROPN
fsr-3932	297	4	,	,	PUNCT
fsr-3932	297	5	&	&	CCONJ
fsr-3932	297	6	hanna	hanna	PROPN
fsr-3932	297	7	,	,	PUNCT
fsr-3932	297	8	s.	s.	PROPN
fsr-3932	297	9	(	(	PUNCT
fsr-3932	297	10	1997	1997	NUM
fsr-3932	297	11	)	)	PUNCT
fsr-3932	297	12	.	.	PUNCT
fsr-3932	298	1	the	the	DET
fsr-3932	298	2	demand	demand	NOUN
fsr-3932	298	3	for	for	ADP
fsr-3932	298	4	risky	risky	ADJ
fsr-3932	298	5	assets	asset	NOUN
fsr-3932	298	6	in	in	ADP
fsr-3932	298	7	retirement	retirement	NOUN
fsr-3932	298	8	portfolios	portfolio	NOUN
fsr-3932	298	9	.	.	PUNCT
fsr-3932	298	10	presented	present	VERB
fsr-3932	298	11	at	at	ADP
fsr-3932	298	12	the	the	DET
fsr-3932	298	13	annual	annual	ADJ
fsr-3932	298	14	meeting	meeting	NOUN
fsr-3932	298	15	of	of	ADP
fsr-3932	298	16	the	the	DET
fsr-3932	298	17	academy	academy	NOUN
fsr-3932	298	18	of	of	ADP
fsr-3932	298	19	financial	financial	ADJ
fsr-3932	298	20	services	service	NOUN
fsr-3932	298	21	.	.	PUNCT
fsr-3932	299	1	u.s	u.s	PROPN
fsr-3932	299	2	.	.	PROPN
fsr-3932	299	3	department	department	PROPN
fsr-3932	299	4	of	of	ADP
fsr-3932	299	5	commerce	commerce	PROPN
fsr-3932	299	6	,	,	PUNCT
fsr-3932	299	7	bureau	bureau	PROPN
fsr-3932	299	8	of	of	ADP
fsr-3932	299	9	the	the	DET
fsr-3932	299	10	census	census	NOUN
fsr-3932	299	11	.	.	PUNCT
fsr-3932	300	1	(	(	PUNCT
fsr-3932	300	2	1998	1998	NUM
fsr-3932	300	3	)	)	PUNCT
fsr-3932	300	4	.	.	PUNCT
fsr-3932	301	1	statistical	statistical	ADJ
fsr-3932	301	2	abstract	abstract	NOUN
fsr-3932	301	3	of	of	ADP
fsr-3932	301	4	the	the	DET
fsr-3932	301	5	united	united	PROPN
fsr-3932	301	6	states	states	PROPN
fsr-3932	301	7	.	.	PUNCT
fsr-3932	302	1	washington	washington	PROPN
fsr-3932	302	2	,	,	PUNCT
fsr-3932	302	3	d.c	d.c	PROPN
fsr-3932	302	4	.	.	PUNCT
fsr-3932	302	5	:	:	PUNCT
fsr-3932	303	1	u.s	u.s	PROPN
fsr-3932	303	2	.	.	PROPN
fsr-3932	303	3	government	government	NOUN
fsr-3932	303	4	printing	printing	NOUN
fsr-3932	303	5	office	office	NOUN
fsr-3932	303	6	.	.	PUNCT
fsr-3932	304	1	williams	williams	PROPN
fsr-3932	304	2	,	,	PUNCT
fsr-3932	304	3	j.	j.	PROPN
fsr-3932	304	4	d.	d.	PROPN
fsr-3932	304	5	,	,	PUNCT
fsr-3932	304	6	&	&	CCONJ
fsr-3932	304	7	qualls	qualls	PROPN
fsr-3932	304	8	,	,	PUNCT
fsr-3932	304	9	w.	w.	PROPN
fsr-3932	304	10	j.	j.	PROPN
fsr-3932	304	11	(	(	PUNCT
fsr-3932	304	12	1989	1989	NUM
fsr-3932	304	13	)	)	PUNCT
fsr-3932	304	14	.	.	PUNCT
fsr-3932	305	1	middle	middle	ADJ
fsr-3932	305	2	-	-	PUNCT
fsr-3932	305	3	class	class	NOUN
fsr-3932	305	4	black	black	ADJ
fsr-3932	305	5	consumers	consumer	NOUN
fsr-3932	305	6	and	and	CCONJ
fsr-3932	305	7	intensity	intensity	NOUN
fsr-3932	305	8	of	of	ADP
fsr-3932	305	9	ethnic	ethnic	ADJ
fsr-3932	305	10	identification	identification	NOUN
fsr-3932	305	11	.	.	PUNCT
fsr-3932	306	1	psychology	psychology	NOUN
fsr-3932	306	2	and	and	CCONJ
fsr-3932	306	3	marketing	marketing	NOUN
fsr-3932	306	4	,	,	PUNCT
fsr-3932	306	5	6	6	NUM
fsr-3932	306	6	(	(	PUNCT
fsr-3932	306	7	winter	winter	NOUN
fsr-3932	306	8	)	)	PUNCT
fsr-3932	306	9	,	,	PUNCT
fsr-3932	306	10	263–286	263–286	NUM
fsr-3932	306	11	.	.	PUNCT
fsr-3932	307	1	wolff	wolff	PROPN
fsr-3932	307	2	,	,	PUNCT
fsr-3932	307	3	e.	e.	PROPN
fsr-3932	307	4	n.	n.	PROPN
fsr-3932	307	5	(	(	PUNCT
fsr-3932	307	6	1994	1994	NUM
fsr-3932	307	7	)	)	PUNCT
fsr-3932	307	8	.	.	PUNCT
fsr-3932	308	1	trends	trend	NOUN
fsr-3932	308	2	in	in	ADP
fsr-3932	308	3	household	household	NOUN
fsr-3932	308	4	wealth	wealth	NOUN
fsr-3932	308	5	in	in	ADP
fsr-3932	308	6	the	the	DET
fsr-3932	308	7	united	united	PROPN
fsr-3932	308	8	states	states	PROPN
fsr-3932	308	9	:	:	PUNCT
fsr-3932	308	10	1962–1983	1962–1983	NUM
fsr-3932	308	11	and	and	CCONJ
fsr-3932	308	12	1983–1989	1983–1989	NUM
fsr-3932	308	13	.	.	PUNCT
fsr-3932	309	1	working	work	VERB
fsr-3932	309	2	paper	paper	NOUN
fsr-3932	309	3	,	,	PUNCT
fsr-3932	309	4	94	94	NUM
fsr-3932	309	5	-	-	SYM
fsr-3932	309	6	103	103	NUM
fsr-3932	309	7	.	.	PUNCT
fsr-3932	310	1	new	new	PROPN
fsr-3932	310	2	york	york	PROPN
fsr-3932	310	3	university	university	PROPN
fsr-3932	310	4	department	department	PROPN
fsr-3932	310	5	of	of	ADP
fsr-3932	310	6	economics	economics	PROPN
fsr-3932	310	7	(	(	PUNCT
fsr-3932	310	8	february	february	PROPN
fsr-3932	310	9	)	)	PUNCT
fsr-3932	310	10	.	.	PUNCT
fsr-3932	311	1	zhong	zhong	PROPN
fsr-3932	311	2	l.	l.	PROPN
fsr-3932	311	3	,	,	PUNCT
fsr-3932	311	4	&	&	CCONJ
fsr-3932	311	5	xiao	xiao	PROPN
fsr-3932	311	6	,	,	PUNCT
fsr-3932	311	7	j.	j.	PROPN
fsr-3932	311	8	(	(	PUNCT
fsr-3932	311	9	1995	1995	NUM
fsr-3932	311	10	)	)	PUNCT
fsr-3932	311	11	.	.	PUNCT
fsr-3932	312	1	determinants	determinant	NOUN
fsr-3932	312	2	of	of	ADP
fsr-3932	312	3	family	family	NOUN
fsr-3932	312	4	bond	bond	NOUN
fsr-3932	312	5	and	and	CCONJ
fsr-3932	312	6	stock	stock	NOUN
fsr-3932	312	7	holdings	holding	NOUN
fsr-3932	312	8	.	.	PUNCT
fsr-3932	313	1	financial	financial	ADJ
fsr-3932	313	2	counseling	counseling	NOUN
fsr-3932	313	3	and	and	CCONJ
fsr-3932	313	4	planning	planning	NOUN
fsr-3932	313	5	,	,	PUNCT
fsr-3932	313	6	6	6	NUM
fsr-3932	313	7	,	,	PUNCT
fsr-3932	313	8	107–114	107–114	NUM
fsr-3932	313	9	.	.	PUNCT
fsr-3932	314	1	359d.a	359d.a	X
fsr-3932	314	2	.	.	PUNCT
fsr-3932	315	1	plath	plath	NOUN
fsr-3932	315	2	,	,	PUNCT
fsr-3932	315	3	t.h	t.h	PROPN
fsr-3932	315	4	.	.	PROPN
fsr-3932	315	5	stevenson	stevenson	PROPN
fsr-3932	315	6	/	/	SYM
fsr-3932	315	7	financial	financial	ADJ
fsr-3932	315	8	services	service	NOUN
fsr-3932	315	9	review	review	VERB
fsr-3932	315	10	94	94	NUM
fsr-3932	315	11	(	(	PUNCT
fsr-3932	315	12	2000	2000	NUM
fsr-3932	315	13	)	)	PUNCT
fsr-3932	315	14	343–359	343–359	NUM