id	sid	tid	token	lemma	pos
fsr-3987	1	1	financial	financial	PROPN
fsr-3987	1	2	services	service	NOUN
fsr-3987	1	3	review	review	NOUN
fsr-3987	1	4	,	,	PUNCT
fsr-3987	1	5	32(2	32(2	NUM
fsr-3987	1	6	)	)	PUNCT
fsr-3987	2	1	i	i	PRON
fsr-3987	2	2	volume	volume	VERB
fsr-3987	2	3	32	32	NUM
fsr-3987	2	4	issue	issue	NOUN
fsr-3987	2	5	2	2	NUM
fsr-3987	2	6	from	from	ADP
fsr-3987	2	7	the	the	DET
fsr-3987	2	8	editor	editor	NOUN
fsr-3987	2	9	one	one	NUM
fsr-3987	2	10	of	of	ADP
fsr-3987	2	11	the	the	DET
fsr-3987	2	12	pleasures	pleasure	NOUN
fsr-3987	2	13	associated	associate	VERB
fsr-3987	2	14	with	with	ADP
fsr-3987	2	15	editing	edit	VERB
fsr-3987	2	16	financial	financial	ADJ
fsr-3987	2	17	services	service	NOUN
fsr-3987	2	18	review	review	NOUN
fsr-3987	2	19	(	(	PUNCT
fsr-3987	2	20	fsr	fsr	PROPN
fsr-3987	2	21	)	)	PUNCT
fsr-3987	2	22	is	be	AUX
fsr-3987	2	23	that	that	SCONJ
fsr-3987	2	24	i	i	PRON
fsr-3987	2	25	have	have	VERB
fsr-3987	2	26	the	the	DET
fsr-3987	2	27	privilege	privilege	NOUN
fsr-3987	2	28	of	of	ADP
fsr-3987	2	29	seeing	see	VERB
fsr-3987	2	30	the	the	DET
fsr-3987	2	31	future	future	NOUN
fsr-3987	2	32	of	of	ADP
fsr-3987	2	33	the	the	DET
fsr-3987	2	34	financial	financial	ADJ
fsr-3987	2	35	services	service	NOUN
fsr-3987	2	36	profession	profession	NOUN
fsr-3987	2	37	unfold	unfold	NOUN
fsr-3987	2	38	in	in	ADP
fsr-3987	2	39	real	real	ADJ
fsr-3987	2	40	-	-	PUNCT
fsr-3987	2	41	time	time	NOUN
fsr-3987	2	42	using	use	VERB
fsr-3987	2	43	a	a	DET
fsr-3987	2	44	research	research	NOUN
fsr-3987	2	45	lens	len	NOUN
fsr-3987	2	46	.	.	PUNCT
fsr-3987	3	1	from	from	ADP
fsr-3987	3	2	a	a	DET
fsr-3987	3	3	personal	personal	ADJ
fsr-3987	3	4	point	point	NOUN
fsr-3987	3	5	of	of	ADP
fsr-3987	3	6	view	view	NOUN
fsr-3987	3	7	,	,	PUNCT
fsr-3987	3	8	the	the	DET
fsr-3987	3	9	papers	paper	NOUN
fsr-3987	3	10	in	in	ADP
fsr-3987	3	11	this	this	DET
fsr-3987	3	12	issue	issue	NOUN
fsr-3987	3	13	of	of	ADP
fsr-3987	3	14	fsr	fsr	PROPN
fsr-3987	3	15	have	have	AUX
fsr-3987	3	16	had	have	VERB
fsr-3987	3	17	a	a	DET
fsr-3987	3	18	profound	profound	ADJ
fsr-3987	3	19	and	and	CCONJ
fsr-3987	3	20	positive	positive	ADJ
fsr-3987	3	21	impact	impact	NOUN
fsr-3987	3	22	on	on	ADP
fsr-3987	3	23	my	my	PRON
fsr-3987	3	24	thinking	thinking	NOUN
fsr-3987	3	25	and	and	CCONJ
fsr-3987	3	26	my	my	PRON
fsr-3987	3	27	classroom	classroom	NOUN
fsr-3987	3	28	teaching	teaching	NOUN
fsr-3987	3	29	.	.	PUNCT
fsr-3987	4	1	consider	consider	VERB
fsr-3987	4	2	the	the	DET
fsr-3987	4	3	paper	paper	NOUN
fsr-3987	4	4	written	write	VERB
fsr-3987	4	5	by	by	ADP
fsr-3987	4	6	drs	drs	PROPN
fsr-3987	4	7	.	.	PROPN
fsr-3987	5	1	chuck	chuck	PROPN
fsr-3987	5	2	grace	grace	PROPN
fsr-3987	5	3	,	,	PUNCT
fsr-3987	5	4	adam	adam	PROPN
fsr-3987	5	5	metzler	metzler	PROPN
fsr-3987	5	6	,	,	PUNCT
fsr-3987	5	7	yang	yang	PROPN
fsr-3987	5	8	miao	miao	PROPN
fsr-3987	5	9	,	,	PUNCT
fsr-3987	5	10	longlong	longlong	PROPN
fsr-3987	5	11	feng	feng	PROPN
fsr-3987	5	12	,	,	PUNCT
fsr-3987	5	13	and	and	CCONJ
fsr-3987	5	14	alireza	alireza	PROPN
fsr-3987	5	15	fazeli	fazeli	PROPN
fsr-3987	5	16	(	(	PUNCT
fsr-3987	5	17	unveiling	unveil	VERB
fsr-3987	5	18	the	the	DET
fsr-3987	5	19	winning	win	VERB
fsr-3987	5	20	contribution	contribution	NOUN
fsr-3987	5	21	patterns	pattern	NOUN
fsr-3987	5	22	for	for	ADP
fsr-3987	5	23	enhanced	enhanced	ADJ
fsr-3987	5	24	financial	financial	ADJ
fsr-3987	5	25	health	health	NOUN
fsr-3987	5	26	)	)	PUNCT
fsr-3987	5	27	.	.	PUNCT
fsr-3987	6	1	for	for	ADP
fsr-3987	6	2	years	year	NOUN
fsr-3987	6	3	,	,	PUNCT
fsr-3987	6	4	i	i	PRON
fsr-3987	6	5	have	have	AUX
fsr-3987	6	6	wondered	wonder	VERB
fsr-3987	6	7	about	about	ADP
fsr-3987	6	8	household	household	NOUN
fsr-3987	6	9	savings	saving	NOUN
fsr-3987	6	10	rates	rate	NOUN
fsr-3987	6	11	.	.	PUNCT
fsr-3987	7	1	as	as	SCONJ
fsr-3987	7	2	grace	grace	NOUN
fsr-3987	7	3	et	et	PROPN
fsr-3987	7	4	al	al	PROPN
fsr-3987	7	5	.	.	PROPN
fsr-3987	7	6	point	point	VERB
fsr-3987	7	7	out	out	ADP
fsr-3987	7	8	in	in	ADP
fsr-3987	7	9	their	their	PRON
fsr-3987	7	10	invited	invite	VERB
fsr-3987	7	11	paper	paper	NOUN
fsr-3987	7	12	,	,	PUNCT
fsr-3987	7	13	savings	saving	NOUN
fsr-3987	7	14	rates	rate	NOUN
fsr-3987	7	15	in	in	ADP
fsr-3987	7	16	canada	canada	PROPN
fsr-3987	7	17	have	have	AUX
fsr-3987	7	18	been	be	AUX
fsr-3987	7	19	declining	decline	VERB
fsr-3987	7	20	for	for	ADP
fsr-3987	7	21	two	two	NUM
fsr-3987	7	22	decades	decade	NOUN
fsr-3987	7	23	.	.	PUNCT
fsr-3987	8	1	it	it	PRON
fsr-3987	8	2	turns	turn	VERB
fsr-3987	8	3	out	out	ADP
fsr-3987	8	4	that	that	SCONJ
fsr-3987	8	5	one	one	NUM
fsr-3987	8	6	reason	reason	NOUN
fsr-3987	8	7	is	be	AUX
fsr-3987	8	8	that	that	SCONJ
fsr-3987	8	9	investors	investor	NOUN
fsr-3987	8	10	today	today	NOUN
fsr-3987	8	11	may	may	AUX
fsr-3987	8	12	be	be	AUX
fsr-3987	8	13	focusing	focus	VERB
fsr-3987	8	14	too	too	ADV
fsr-3987	8	15	much	much	ADJ
fsr-3987	8	16	on	on	ADP
fsr-3987	8	17	returns	return	NOUN
fsr-3987	8	18	rather	rather	ADV
fsr-3987	8	19	than	than	ADP
fsr-3987	8	20	the	the	DET
fsr-3987	8	21	act	act	NOUN
fsr-3987	8	22	of	of	ADP
fsr-3987	8	23	saving	saving	NOUN
fsr-3987	8	24	.	.	PUNCT
fsr-3987	9	1	as	as	SCONJ
fsr-3987	9	2	noted	note	VERB
fsr-3987	9	3	in	in	ADP
fsr-3987	9	4	this	this	DET
fsr-3987	9	5	paper	paper	NOUN
fsr-3987	9	6	,	,	PUNCT
fsr-3987	9	7	the	the	DET
fsr-3987	9	8	"	"	PUNCT
fsr-3987	9	9	winning	win	VERB
fsr-3987	9	10	strategy	strategy	NOUN
fsr-3987	9	11	"	"	PUNCT
fsr-3987	9	12	for	for	ADP
fsr-3987	9	13	accumulating	accumulate	VERB
fsr-3987	9	14	wealth	wealth	NOUN
fsr-3987	9	15	over	over	ADP
fsr-3987	9	16	the	the	DET
fsr-3987	9	17	lifespan	lifespan	NOUN
fsr-3987	9	18	involves	involve	VERB
fsr-3987	9	19	engaging	engage	VERB
fsr-3987	9	20	in	in	ADP
fsr-3987	9	21	consistent	consistent	ADJ
fsr-3987	9	22	saving	saving	NOUN
fsr-3987	9	23	behavior	behavior	NOUN
fsr-3987	9	24	.	.	PUNCT
fsr-3987	10	1	the	the	DET
fsr-3987	10	2	work	work	NOUN
fsr-3987	10	3	of	of	ADP
fsr-3987	10	4	grace	grace	NOUN
fsr-3987	10	5	et	et	PROPN
fsr-3987	10	6	al	al	PROPN
fsr-3987	10	7	.	.	PROPN
fsr-3987	10	8	offers	offer	VERB
fsr-3987	10	9	important	important	ADJ
fsr-3987	10	10	implications	implication	NOUN
fsr-3987	10	11	for	for	ADP
fsr-3987	10	12	investors	investor	NOUN
fsr-3987	10	13	,	,	PUNCT
fsr-3987	10	14	policymakers	policymaker	NOUN
fsr-3987	10	15	,	,	PUNCT
fsr-3987	10	16	asset	asset	NOUN
fsr-3987	10	17	managers	manager	NOUN
fsr-3987	10	18	,	,	PUNCT
fsr-3987	10	19	and	and	CCONJ
fsr-3987	10	20	financial	financial	ADJ
fsr-3987	10	21	advisors	advisor	NOUN
fsr-3987	10	22	.	.	PUNCT
fsr-3987	11	1	the	the	DET
fsr-3987	11	2	work	work	NOUN
fsr-3987	11	3	of	of	ADP
fsr-3987	11	4	dr	dr	PROPN
fsr-3987	11	5	.	.	PROPN
fsr-3987	11	6	yu	yu	PROPN
fsr-3987	11	7	zhang	zhang	PROPN
fsr-3987	11	8	(	(	PUNCT
fsr-3987	11	9	esg	esg	PROPN
fsr-3987	11	10	perceptions	perception	NOUN
fsr-3987	11	11	:	:	PUNCT
fsr-3987	11	12	investigating	investigate	VERB
fsr-3987	11	13	investor	investor	NOUN
fsr-3987	11	14	motivations	motivation	NOUN
fsr-3987	11	15	and	and	CCONJ
fsr-3987	11	16	characteristics	characteristic	NOUN
fsr-3987	11	17	)	)	PUNCT
fsr-3987	11	18	answers	answer	VERB
fsr-3987	11	19	another	another	DET
fsr-3987	11	20	question	question	NOUN
fsr-3987	11	21	i	i	PRON
fsr-3987	11	22	've	have	AUX
fsr-3987	11	23	been	be	AUX
fsr-3987	11	24	asking	ask	VERB
fsr-3987	11	25	for	for	ADP
fsr-3987	11	26	several	several	ADJ
fsr-3987	11	27	years	year	NOUN
fsr-3987	11	28	.	.	PUNCT
fsr-3987	12	1	while	while	SCONJ
fsr-3987	12	2	managing	manage	VERB
fsr-3987	12	3	portfolios	portfolio	NOUN
fsr-3987	12	4	using	use	VERB
fsr-3987	12	5	an	an	DET
fsr-3987	12	6	environmental	environmental	ADJ
fsr-3987	12	7	,	,	PUNCT
fsr-3987	12	8	social	social	ADJ
fsr-3987	12	9	,	,	PUNCT
fsr-3987	12	10	and	and	CCONJ
fsr-3987	12	11	governance	governance	NOUN
fsr-3987	12	12	(	(	PUNCT
fsr-3987	12	13	esg	esg	PROPN
fsr-3987	12	14	)	)	PUNCT
fsr-3987	12	15	perspective	perspective	NOUN
fsr-3987	12	16	has	have	AUX
fsr-3987	12	17	gained	gain	VERB
fsr-3987	12	18	a	a	DET
fsr-3987	12	19	large	large	ADJ
fsr-3987	12	20	following	following	NOUN
fsr-3987	12	21	among	among	ADP
fsr-3987	12	22	portfolio	portfolio	NOUN
fsr-3987	12	23	managers	manager	NOUN
fsr-3987	12	24	and	and	CCONJ
fsr-3987	12	25	some	some	DET
fsr-3987	12	26	financial	financial	ADJ
fsr-3987	12	27	advisors	advisor	NOUN
fsr-3987	12	28	,	,	PUNCT
fsr-3987	12	29	the	the	DET
fsr-3987	12	30	notion	notion	NOUN
fsr-3987	12	31	of	of	ADP
fsr-3987	12	32	using	use	VERB
fsr-3987	12	33	esg	esg	NOUN
fsr-3987	12	34	policies	policy	NOUN
fsr-3987	12	35	when	when	SCONJ
fsr-3987	12	36	selecting	select	VERB
fsr-3987	12	37	securities	security	NOUN
fsr-3987	12	38	is	be	AUX
fsr-3987	12	39	still	still	ADV
fsr-3987	12	40	controversial	controversial	ADJ
fsr-3987	12	41	,	,	PUNCT
fsr-3987	12	42	with	with	ADP
fsr-3987	12	43	some	some	DET
fsr-3987	12	44	asking	asking	NOUN
fsr-3987	12	45	,	,	PUNCT
fsr-3987	12	46	“	"	PUNCT
fsr-3987	12	47	what	what	PRON
fsr-3987	12	48	is	be	AUX
fsr-3987	12	49	the	the	DET
fsr-3987	12	50	ultimate	ultimate	ADJ
fsr-3987	12	51	purpose	purpose	NOUN
fsr-3987	12	52	?	?	PUNCT
fsr-3987	12	53	”	"	PUNCT
fsr-3987	12	54	in	in	ADP
fsr-3987	12	55	dr	dr	PROPN
fsr-3987	12	56	.	.	PROPN
fsr-3987	12	57	zhang	zhang	PROPN
fsr-3987	12	58	's	's	PART
fsr-3987	12	59	paper	paper	NOUN
fsr-3987	12	60	,	,	PUNCT
fsr-3987	12	61	readers	reader	NOUN
fsr-3987	12	62	learn	learn	VERB
fsr-3987	12	63	how	how	SCONJ
fsr-3987	12	64	using	use	VERB
fsr-3987	12	65	an	an	DET
fsr-3987	12	66	esg	esg	NOUN
fsr-3987	12	67	perspective	perspective	NOUN
fsr-3987	12	68	can	can	AUX
fsr-3987	12	69	add	add	VERB
fsr-3987	12	70	value	value	NOUN
fsr-3987	12	71	to	to	ADP
fsr-3987	12	72	the	the	DET
fsr-3987	12	73	portfolio	portfolio	NOUN
fsr-3987	12	74	management	management	NOUN
fsr-3987	12	75	process	process	NOUN
fsr-3987	12	76	.	.	PUNCT
fsr-3987	13	1	dr	dr	PROPN
fsr-3987	13	2	.	.	PROPN
fsr-3987	13	3	zhang	zhang	PROPN
fsr-3987	13	4	documents	document	VERB
fsr-3987	13	5	the	the	DET
fsr-3987	13	6	investor	investor	NOUN
fsr-3987	13	7	factors	factor	NOUN
fsr-3987	13	8	associated	associate	VERB
fsr-3987	13	9	with	with	ADP
fsr-3987	13	10	esg	esg	PROPN
fsr-3987	13	11	adoption	adoption	NOUN
fsr-3987	13	12	.	.	PUNCT
fsr-3987	14	1	going	go	VERB
fsr-3987	14	2	further	far	ADV
fsr-3987	14	3	,	,	PUNCT
fsr-3987	14	4	dr	dr	PROPN
fsr-3987	14	5	.	.	PROPN
fsr-3987	14	6	zhang	zhang	PROPN
fsr-3987	14	7	answered	answer	VERB
fsr-3987	14	8	my	my	PRON
fsr-3987	14	9	question	question	NOUN
fsr-3987	14	10	of	of	ADP
fsr-3987	14	11	why	why	SCONJ
fsr-3987	14	12	esg	esg	PROPN
fsr-3987	14	13	matters	matter	VERB
fsr-3987	14	14	.	.	PUNCT
fsr-3987	15	1	esg	esg	NOUN
fsr-3987	15	2	policy	policy	NOUN
fsr-3987	15	3	adoption	adoption	NOUN
fsr-3987	15	4	acts	act	VERB
fsr-3987	15	5	as	as	ADP
fsr-3987	15	6	a	a	DET
fsr-3987	15	7	hedge	hedge	NOUN
fsr-3987	15	8	against	against	ADP
fsr-3987	15	9	governmental	governmental	ADJ
fsr-3987	15	10	and	and	CCONJ
fsr-3987	15	11	environmental	environmental	ADJ
fsr-3987	15	12	shocks	shock	NOUN
fsr-3987	15	13	.	.	PUNCT
fsr-3987	16	1	stated	state	VERB
fsr-3987	16	2	another	another	DET
fsr-3987	16	3	way	way	NOUN
fsr-3987	16	4	,	,	PUNCT
fsr-3987	16	5	esg	esg	PROPN
fsr-3987	16	6	investing	investing	NOUN
fsr-3987	16	7	is	be	AUX
fsr-3987	16	8	essentially	essentially	ADV
fsr-3987	16	9	a	a	DET
fsr-3987	16	10	risk	risk	NOUN
fsr-3987	16	11	reduction	reduction	NOUN
fsr-3987	16	12	strategy	strategy	NOUN
fsr-3987	16	13	.	.	PUNCT
fsr-3987	17	1	this	this	PRON
fsr-3987	17	2	is	be	AUX
fsr-3987	17	3	certainly	certainly	ADV
fsr-3987	17	4	something	something	PRON
fsr-3987	17	5	that	that	PRON
fsr-3987	17	6	i	i	PRON
fsr-3987	17	7	will	will	AUX
fsr-3987	17	8	incorporate	incorporate	VERB
fsr-3987	17	9	into	into	ADP
fsr-3987	17	10	my	my	PRON
fsr-3987	17	11	teaching	teaching	NOUN
fsr-3987	17	12	and	and	CCONJ
fsr-3987	17	13	publications	publication	NOUN
fsr-3987	17	14	.	.	PUNCT
fsr-3987	18	1	over	over	ADP
fsr-3987	18	2	the	the	DET
fsr-3987	18	3	past	past	ADJ
fsr-3987	18	4	five	five	NUM
fsr-3987	18	5	decades	decade	NOUN
fsr-3987	18	6	,	,	PUNCT
fsr-3987	18	7	researchers	researcher	NOUN
fsr-3987	18	8	have	have	AUX
fsr-3987	18	9	spent	spend	VERB
fsr-3987	18	10	a	a	DET
fsr-3987	18	11	great	great	ADJ
fsr-3987	18	12	deal	deal	NOUN
fsr-3987	18	13	of	of	ADP
fsr-3987	18	14	effort	effort	NOUN
fsr-3987	18	15	studying	study	VERB
fsr-3987	18	16	retirement	retirement	NOUN
fsr-3987	18	17	planning	planning	NOUN
fsr-3987	18	18	issues	issue	NOUN
fsr-3987	18	19	.	.	PUNCT
fsr-3987	19	1	one	one	PRON
fsr-3987	19	2	might	might	AUX
fsr-3987	19	3	think	think	VERB
fsr-3987	19	4	that	that	SCONJ
fsr-3987	19	5	all	all	DET
fsr-3987	19	6	the	the	DET
fsr-3987	19	7	questions	question	NOUN
fsr-3987	19	8	have	have	AUX
fsr-3987	19	9	been	be	AUX
fsr-3987	19	10	answered	answer	VERB
fsr-3987	19	11	.	.	PUNCT
fsr-3987	20	1	well	well	INTJ
fsr-3987	20	2	,	,	PUNCT
fsr-3987	20	3	not	not	PART
fsr-3987	20	4	quite	quite	ADJ
fsr-3987	20	5	.	.	PUNCT
fsr-3987	21	1	as	as	SCONJ
fsr-3987	21	2	drs	dr	NOUN
fsr-3987	21	3	.	.	PUNCT
fsr-3987	21	4	afm	afm	PROPN
fsr-3987	21	5	jalal	jalal	PROPN
fsr-3987	21	6	ahamed	ahamed	PROPN
fsr-3987	21	7	and	and	CCONJ
fsr-3987	21	8	yam	yam	NOUN
fsr-3987	21	9	limbu	limbu	NOUN
fsr-3987	21	10	show	show	NOUN
fsr-3987	21	11	in	in	ADP
fsr-3987	21	12	their	their	PRON
fsr-3987	21	13	paper	paper	NOUN
fsr-3987	21	14	(	(	PUNCT
fsr-3987	21	15	retirement	retirement	NOUN
fsr-3987	21	16	planning	planning	NOUN
fsr-3987	21	17	:	:	PUNCT
fsr-3987	21	18	a	a	DET
fsr-3987	21	19	moderated	moderated	ADJ
fsr-3987	21	20	mediation	mediation	NOUN
fsr-3987	21	21	model	model	NOUN
fsr-3987	21	22	of	of	ADP
fsr-3987	21	23	cognitive	cognitive	ADJ
fsr-3987	21	24	beliefs	belief	NOUN
fsr-3987	21	25	,	,	PUNCT
fsr-3987	21	26	retirement	retirement	NOUN
fsr-3987	21	27	planning	planning	NOUN
fsr-3987	21	28	attitude	attitude	NOUN
fsr-3987	21	29	,	,	PUNCT
fsr-3987	21	30	and	and	CCONJ
fsr-3987	21	31	money	money	NOUN
fsr-3987	21	32	availability	availability	NOUN
fsr-3987	21	33	)	)	PUNCT
fsr-3987	21	34	,	,	PUNCT
fsr-3987	21	35	much	much	ADJ
fsr-3987	21	36	of	of	ADP
fsr-3987	21	37	what	what	PRON
fsr-3987	21	38	the	the	DET
fsr-3987	21	39	field	field	NOUN
fsr-3987	21	40	knows	know	VERB
fsr-3987	21	41	comes	come	VERB
fsr-3987	21	42	from	from	ADP
fsr-3987	21	43	data	datum	NOUN
fsr-3987	21	44	obtained	obtain	VERB
fsr-3987	21	45	from	from	ADP
fsr-3987	21	46	consumers	consumer	NOUN
fsr-3987	21	47	living	live	VERB
fsr-3987	21	48	the	the	DET
fsr-3987	21	49	north	north	PROPN
fsr-3987	21	50	america	america	PROPN
fsr-3987	21	51	,	,	PUNCT
fsr-3987	21	52	europe	europe	PROPN
fsr-3987	21	53	,	,	PUNCT
fsr-3987	21	54	australia	australia	PROPN
fsr-3987	21	55	,	,	PUNCT
fsr-3987	21	56	and	and	CCONJ
fsr-3987	21	57	new	new	PROPN
fsr-3987	21	58	zealand	zealand	PROPN
fsr-3987	21	59	.	.	PUNCT
fsr-3987	22	1	an	an	DET
fsr-3987	22	2	important	important	ADJ
fsr-3987	22	3	question	question	NOUN
fsr-3987	22	4	is	be	AUX
fsr-3987	22	5	,	,	PUNCT
fsr-3987	22	6	"	"	PUNCT
fsr-3987	22	7	what	what	PRON
fsr-3987	22	8	about	about	ADP
fsr-3987	22	9	the	the	DET
fsr-3987	22	10	rest	rest	NOUN
fsr-3987	22	11	of	of	ADP
fsr-3987	22	12	the	the	DET
fsr-3987	22	13	world	world	NOUN
fsr-3987	22	14	?	?	PUNCT
fsr-3987	22	15	"	"	PUNCT
fsr-3987	22	16	drs	drs	PROPN
fsr-3987	22	17	.	.	PUNCT
fsr-3987	23	1	ahamed	ahamed	PROPN
fsr-3987	23	2	and	and	CCONJ
fsr-3987	23	3	limbu	limbu	PROPN
fsr-3987	23	4	provide	provide	VERB
fsr-3987	23	5	some	some	DET
fsr-3987	23	6	insight	insight	NOUN
fsr-3987	23	7	into	into	ADP
fsr-3987	23	8	answering	answer	VERB
fsr-3987	23	9	the	the	DET
fsr-3987	23	10	question	question	NOUN
fsr-3987	23	11	.	.	PUNCT
fsr-3987	24	1	the	the	DET
fsr-3987	24	2	paper	paper	NOUN
fsr-3987	24	3	examines	examine	VERB
fsr-3987	24	4	the	the	DET
fsr-3987	24	5	role	role	NOUN
fsr-3987	24	6	of	of	ADP
fsr-3987	24	7	cognitive	cognitive	ADJ
fsr-3987	24	8	factors	factor	NOUN
fsr-3987	24	9	associated	associate	VERB
fsr-3987	24	10	with	with	ADP
fsr-3987	24	11	retirement	retirement	NOUN
fsr-3987	24	12	planning	planning	NOUN
fsr-3987	24	13	intentions	intention	NOUN
fsr-3987	24	14	from	from	ADP
fsr-3987	24	15	a	a	DET
fsr-3987	24	16	developing	develop	VERB
fsr-3987	24	17	country	country	NOUN
fsr-3987	24	18	perspective	perspective	NOUN
fsr-3987	24	19	.	.	PUNCT
fsr-3987	25	1	they	they	PRON
fsr-3987	25	2	found	find	VERB
fsr-3987	25	3	that	that	SCONJ
fsr-3987	25	4	retirement	retirement	NOUN
fsr-3987	25	5	planning	planning	NOUN
fsr-3987	25	6	attitudes	attitude	NOUN
fsr-3987	25	7	mediate	mediate	VERB
fsr-3987	25	8	the	the	DET
fsr-3987	25	9	relationship	relationship	NOUN
fsr-3987	25	10	between	between	ADP
fsr-3987	25	11	cognitive	cognitive	ADJ
fsr-3987	25	12	factors	factor	NOUN
fsr-3987	25	13	and	and	CCONJ
fsr-3987	25	14	retirement	retirement	NOUN
fsr-3987	25	15	planning	planning	NOUN
fsr-3987	25	16	intentions	intention	NOUN
fsr-3987	25	17	.	.	PUNCT
fsr-3987	26	1	they	they	PRON
fsr-3987	26	2	also	also	ADV
fsr-3987	26	3	noted	note	VERB
fsr-3987	26	4	a	a	DET
fsr-3987	26	5	negative	negative	ADJ
fsr-3987	26	6	association	association	NOUN
fsr-3987	26	7	between	between	ADP
fsr-3987	26	8	risk	risk	NOUN
fsr-3987	26	9	tolerance	tolerance	NOUN
fsr-3987	26	10	and	and	CCONJ
fsr-3987	26	11	retirement	retirement	NOUN
fsr-3987	26	12	planning	planning	NOUN
fsr-3987	26	13	intentions	intention	NOUN
fsr-3987	26	14	through	through	ADP
fsr-3987	26	15	attitudes	attitude	NOUN
fsr-3987	26	16	.	.	PUNCT
fsr-3987	27	1	financial	financial	ADJ
fsr-3987	27	2	self	self	NOUN
fsr-3987	27	3	-	-	PUNCT
fsr-3987	27	4	efficacy	efficacy	NOUN
fsr-3987	27	5	had	have	VERB
fsr-3987	27	6	a	a	DET
fsr-3987	27	7	positive	positive	ADJ
fsr-3987	27	8	influence	influence	NOUN
fsr-3987	27	9	.	.	PUNCT
fsr-3987	28	1	drs	drs	PROPN
fsr-3987	28	2	.	.	PUNCT
fsr-3987	29	1	ahamed	ahamed	PROPN
fsr-3987	29	2	and	and	CCONJ
fsr-3987	29	3	limbu	limbu	PROPN
fsr-3987	29	4	's	's	PART
fsr-3987	29	5	work	work	NOUN
fsr-3987	29	6	also	also	ADV
fsr-3987	29	7	shows	show	VERB
fsr-3987	29	8	how	how	SCONJ
fsr-3987	29	9	the	the	DET
fsr-3987	29	10	availability	availability	NOUN
fsr-3987	29	11	of	of	ADP
fsr-3987	29	12	financial	financial	ADJ
fsr-3987	29	13	resources	resource	NOUN
fsr-3987	29	14	moderates	moderate	VERB
fsr-3987	29	15	these	these	DET
fsr-3987	29	16	relationships	relationship	NOUN
fsr-3987	29	17	.	.	PUNCT
fsr-3987	30	1	i	i	PRON
fsr-3987	30	2	hope	hope	VERB
fsr-3987	30	3	that	that	SCONJ
fsr-3987	30	4	this	this	DET
fsr-3987	30	5	paper	paper	NOUN
fsr-3987	30	6	will	will	AUX
fsr-3987	30	7	prompt	prompt	VERB
fsr-3987	30	8	other	other	ADJ
fsr-3987	30	9	researchers	researcher	NOUN
fsr-3987	30	10	to	to	PART
fsr-3987	30	11	expand	expand	VERB
fsr-3987	30	12	their	their	PRON
fsr-3987	30	13	perspective	perspective	NOUN
fsr-3987	30	14	when	when	SCONJ
fsr-3987	30	15	thinking	think	VERB
fsr-3987	30	16	about	about	ADP
fsr-3987	30	17	retirement	retirement	NOUN
fsr-3987	30	18	planning	planning	NOUN
fsr-3987	30	19	issues	issue	NOUN
fsr-3987	30	20	.	.	PUNCT
fsr-3987	31	1	the	the	DET
fsr-3987	31	2	final	final	ADJ
fsr-3987	31	3	paper	paper	NOUN
fsr-3987	31	4	in	in	ADP
fsr-3987	31	5	this	this	DET
fsr-3987	31	6	issue	issue	NOUN
fsr-3987	31	7	was	be	AUX
fsr-3987	31	8	written	write	VERB
fsr-3987	31	9	by	by	ADP
fsr-3987	31	10	drs	dr	NOUN
fsr-3987	31	11	.	.	PUNCT
fsr-3987	32	1	john	john	PROPN
fsr-3987	32	2	young	young	PROPN
fsr-3987	32	3	,	,	PUNCT
fsr-3987	32	4	crystal	crystal	PROPN
fsr-3987	32	5	hudson	hudson	PROPN
fsr-3987	32	6	,	,	PUNCT
fsr-3987	32	7	and	and	CCONJ
fsr-3987	32	8	c.	c.	PROPN
fsr-3987	32	9	w.	w.	PROPN
fsr-3987	32	10	copeland	copeland	PROPN
fsr-3987	32	11	.	.	PUNCT
fsr-3987	33	1	their	their	PRON
fsr-3987	33	2	paper	paper	NOUN
fsr-3987	33	3	(	(	PUNCT
fsr-3987	33	4	factors	factor	NOUN
fsr-3987	33	5	mediating	mediate	VERB
fsr-3987	33	6	the	the	DET
fsr-3987	33	7	association	association	NOUN
fsr-3987	33	8	between	between	ADP
fsr-3987	33	9	financial	financial	ADJ
fsr-3987	33	10	socialization	socialization	NOUN
fsr-3987	33	11	and	and	CCONJ
fsr-3987	33	12	well	well	ADV
fsr-3987	33	13	-	-	PUNCT
fsr-3987	33	14	being	being	NOUN
fsr-3987	33	15	:	:	PUNCT
fsr-3987	33	16	an	an	DET
fsr-3987	33	17	african	african	ADJ
fsr-3987	33	18	american	american	PROPN
fsr-3987	33	19	perspective	perspective	PROPN
fsr-3987	33	20	)	)	PUNCT
fsr-3987	33	21	answers	answer	VERB
fsr-3987	33	22	an	an	DET
fsr-3987	33	23	important	important	ADJ
fsr-3987	33	24	question	question	NOUN
fsr-3987	33	25	;	;	PUNCT
fsr-3987	33	26	namely	namely	ADV
fsr-3987	33	27	,	,	PUNCT
fsr-3987	33	28	how	how	SCONJ
fsr-3987	33	29	is	be	AUX
fsr-3987	33	30	well	well	ADV
fsr-3987	33	31	-	-	PUNCT
fsr-3987	33	32	being	be	AUX
fsr-3987	33	33	established	establish	VERB
fsr-3987	33	34	,	,	PUNCT
fsr-3987	33	35	financial	financial	ADJ
fsr-3987	33	36	services	service	NOUN
fsr-3987	33	37	review	review	NOUN
fsr-3987	33	38	,	,	PUNCT
fsr-3987	33	39	32(2	32(2	NUM
fsr-3987	33	40	)	)	PUNCT
fsr-3987	33	41	ii	ii	NOUN
fsr-3987	33	42	particularly	particularly	ADV
fsr-3987	33	43	in	in	ADP
fsr-3987	33	44	the	the	DET
fsr-3987	33	45	african	african	ADJ
fsr-3987	33	46	american	american	PROPN
fsr-3987	33	47	community	community	NOUN
fsr-3987	33	48	?	?	PUNCT
fsr-3987	34	1	these	these	DET
fsr-3987	34	2	researchers	researcher	NOUN
fsr-3987	34	3	evaluated	evaluate	VERB
fsr-3987	34	4	the	the	DET
fsr-3987	34	5	relationship	relationship	NOUN
fsr-3987	34	6	between	between	ADP
fsr-3987	34	7	financial	financial	ADJ
fsr-3987	34	8	socialization	socialization	NOUN
fsr-3987	34	9	and	and	CCONJ
fsr-3987	34	10	well	well	ADV
fsr-3987	34	11	-	-	PUNCT
fsr-3987	34	12	being	be	AUX
fsr-3987	34	13	(	(	PUNCT
fsr-3987	34	14	financial	financial	ADJ
fsr-3987	34	15	and	and	CCONJ
fsr-3987	34	16	subjective	subjective	ADJ
fsr-3987	34	17	)	)	PUNCT
fsr-3987	34	18	mediated	mediate	VERB
fsr-3987	34	19	by	by	ADP
fsr-3987	34	20	three	three	NUM
fsr-3987	34	21	motivations	motivation	NOUN
fsr-3987	34	22	:	:	PUNCT
fsr-3987	34	23	(	(	PUNCT
fsr-3987	34	24	a	a	X
fsr-3987	34	25	)	)	PUNCT
fsr-3987	34	26	financial	financial	ADJ
fsr-3987	34	27	knowledge	knowledge	NOUN
fsr-3987	34	28	,	,	PUNCT
fsr-3987	34	29	(	(	PUNCT
fsr-3987	34	30	b	b	X
fsr-3987	34	31	)	)	PUNCT
fsr-3987	34	32	goal	goal	NOUN
fsr-3987	34	33	setting	setting	NOUN
fsr-3987	34	34	,	,	PUNCT
fsr-3987	34	35	and	and	CCONJ
fsr-3987	34	36	(	(	PUNCT
fsr-3987	34	37	c	c	NOUN
fsr-3987	34	38	)	)	PUNCT
fsr-3987	34	39	self	self	NOUN
fsr-3987	34	40	-	-	PUNCT
fsr-3987	34	41	control	control	NOUN
fsr-3987	34	42	.	.	PUNCT
fsr-3987	35	1	using	use	VERB
fsr-3987	35	2	comparisons	comparison	NOUN
fsr-3987	35	3	with	with	ADP
fsr-3987	35	4	european	european	PROPN
fsr-3987	35	5	americans	americans	PROPN
fsr-3987	35	6	,	,	PUNCT
fsr-3987	35	7	the	the	DET
fsr-3987	35	8	gudmunson	gudmunson	PROPN
fsr-3987	35	9	and	and	CCONJ
fsr-3987	35	10	danes	danes	PROPN
fsr-3987	35	11	financial	financial	ADJ
fsr-3987	35	12	socialization	socialization	NOUN
fsr-3987	35	13	framework	framework	NOUN
fsr-3987	35	14	,	,	PUNCT
fsr-3987	35	15	and	and	CCONJ
fsr-3987	35	16	the	the	DET
fsr-3987	35	17	fisher	fisher	PROPN
fsr-3987	35	18	and	and	CCONJ
fsr-3987	35	19	fisher	fisher	PROPN
fsr-3987	35	20	information	information	NOUN
fsr-3987	35	21	motivation	motivation	NOUN
fsr-3987	35	22	behavior	behavior	NOUN
fsr-3987	35	23	model	model	NOUN
fsr-3987	35	24	,	,	PUNCT
fsr-3987	35	25	they	they	PRON
fsr-3987	35	26	found	find	VERB
fsr-3987	35	27	a	a	DET
fsr-3987	35	28	difference	difference	NOUN
fsr-3987	35	29	between	between	ADP
fsr-3987	35	30	african	african	ADJ
fsr-3987	35	31	americans	americans	PROPN
fsr-3987	35	32	and	and	CCONJ
fsr-3987	35	33	european	european	ADJ
fsr-3987	35	34	americans	americans	PROPN
fsr-3987	35	35	in	in	ADP
fsr-3987	35	36	relation	relation	NOUN
fsr-3987	35	37	to	to	ADP
fsr-3987	35	38	self	self	NOUN
fsr-3987	35	39	-	-	PUNCT
fsr-3987	35	40	control	control	NOUN
fsr-3987	35	41	.	.	PUNCT
fsr-3987	36	1	specifically	specifically	ADV
fsr-3987	36	2	,	,	PUNCT
fsr-3987	36	3	they	they	PRON
fsr-3987	36	4	found	find	VERB
fsr-3987	36	5	that	that	SCONJ
fsr-3987	36	6	self	self	NOUN
fsr-3987	36	7	-	-	PUNCT
fsr-3987	36	8	control	control	NOUN
fsr-3987	36	9	mediates	mediate	NOUN
fsr-3987	36	10	directly	directly	ADV
fsr-3987	36	11	through	through	ADP
fsr-3987	36	12	financial	financial	ADJ
fsr-3987	36	13	behaviors	behavior	NOUN
fsr-3987	36	14	and	and	CCONJ
fsr-3987	36	15	indirectly	indirectly	ADV
fsr-3987	36	16	through	through	ADP
fsr-3987	36	17	financial	financial	ADJ
fsr-3987	36	18	skills	skill	NOUN
fsr-3987	36	19	.	.	PUNCT
fsr-3987	37	1	in	in	ADP
fsr-3987	37	2	their	their	PRON
fsr-3987	37	3	models	model	NOUN
fsr-3987	37	4	,	,	PUNCT
fsr-3987	37	5	goal	goal	NOUN
fsr-3987	37	6	setting	set	VERB
fsr-3987	37	7	was	be	AUX
fsr-3987	37	8	also	also	ADV
fsr-3987	37	9	important	important	ADJ
fsr-3987	37	10	,	,	PUNCT
fsr-3987	37	11	as	as	SCONJ
fsr-3987	37	12	was	be	AUX
fsr-3987	37	13	financial	financial	ADJ
fsr-3987	37	14	knowledge	knowledge	NOUN
fsr-3987	37	15	.	.	PUNCT
fsr-3987	38	1	as	as	SCONJ
fsr-3987	38	2	one	one	NUM
fsr-3987	38	3	reviewer	reviewer	NOUN
fsr-3987	38	4	noted	note	VERB
fsr-3987	38	5	,	,	PUNCT
fsr-3987	38	6	more	more	ADJ
fsr-3987	38	7	studies	study	NOUN
fsr-3987	38	8	of	of	ADP
fsr-3987	38	9	this	this	DET
fsr-3987	38	10	type	type	NOUN
fsr-3987	38	11	are	be	AUX
fsr-3987	38	12	needed	need	VERB
fsr-3987	38	13	to	to	PART
fsr-3987	38	14	help	help	VERB
fsr-3987	38	15	advance	advance	VERB
fsr-3987	38	16	the	the	DET
fsr-3987	38	17	well	well	ADV
fsr-3987	38	18	-	-	PUNCT
fsr-3987	38	19	being	being	NOUN
fsr-3987	38	20	of	of	ADP
fsr-3987	38	21	all	all	DET
fsr-3987	38	22	individuals	individual	NOUN
fsr-3987	38	23	and	and	CCONJ
fsr-3987	38	24	households	household	NOUN
fsr-3987	38	25	.	.	PUNCT
fsr-3987	39	1	the	the	DET
fsr-3987	39	2	conclusions	conclusion	NOUN
fsr-3987	39	3	from	from	ADP
fsr-3987	39	4	this	this	DET
fsr-3987	39	5	paper	paper	NOUN
fsr-3987	39	6	have	have	VERB
fsr-3987	39	7	direct	direct	ADJ
fsr-3987	39	8	policy	policy	NOUN
fsr-3987	39	9	and	and	CCONJ
fsr-3987	39	10	practice	practice	NOUN
fsr-3987	39	11	implications	implication	NOUN
fsr-3987	39	12	.	.	PUNCT
fsr-3987	40	1	i	i	PRON
fsr-3987	40	2	am	be	AUX
fsr-3987	40	3	going	go	VERB
fsr-3987	40	4	to	to	PART
fsr-3987	40	5	switch	switch	VERB
fsr-3987	40	6	gears	gear	NOUN
fsr-3987	40	7	here	here	ADV
fsr-3987	40	8	and	and	CCONJ
fsr-3987	40	9	give	give	VERB
fsr-3987	40	10	an	an	DET
fsr-3987	40	11	update	update	NOUN
fsr-3987	40	12	about	about	ADP
fsr-3987	40	13	fsr	fsr	PROPN
fsr-3987	40	14	.	.	PUNCT
fsr-3987	41	1	fsr	fsr	PROPN
fsr-3987	41	2	was	be	AUX
fsr-3987	41	3	recently	recently	ADV
fsr-3987	41	4	added	add	VERB
fsr-3987	41	5	to	to	ADP
fsr-3987	41	6	cabells	cabells	PROPN
fsr-3987	41	7	scholarly	scholarly	ADJ
fsr-3987	41	8	analytics	analytic	NOUN
fsr-3987	41	9	list	list	NOUN
fsr-3987	41	10	of	of	ADP
fsr-3987	41	11	journals	journal	NOUN
fsr-3987	41	12	.	.	PUNCT
fsr-3987	42	1	i	i	PRON
fsr-3987	42	2	am	be	AUX
fsr-3987	42	3	in	in	ADP
fsr-3987	42	4	the	the	DET
fsr-3987	42	5	process	process	NOUN
fsr-3987	42	6	of	of	ADP
fsr-3987	42	7	taking	take	VERB
fsr-3987	42	8	steps	step	NOUN
fsr-3987	42	9	to	to	PART
fsr-3987	42	10	petition	petition	VERB
fsr-3987	42	11	other	other	ADJ
fsr-3987	42	12	indexing	indexing	NOUN
fsr-3987	42	13	services	service	NOUN
fsr-3987	42	14	to	to	PART
fsr-3987	42	15	include	include	VERB
fsr-3987	42	16	fsr	fsr	PROPN
fsr-3987	42	17	.	.	PUNCT
fsr-3987	43	1	with	with	ADP
fsr-3987	43	2	a	a	DET
fsr-3987	43	3	track	track	NOUN
fsr-3987	43	4	record	record	NOUN
fsr-3987	43	5	going	go	VERB
fsr-3987	43	6	back	back	ADV
fsr-3987	43	7	32	32	NUM
fsr-3987	43	8	years	year	NOUN
fsr-3987	43	9	,	,	PUNCT
fsr-3987	43	10	with	with	ADP
fsr-3987	43	11	some	some	PRON
fsr-3987	43	12	of	of	ADP
fsr-3987	43	13	the	the	DET
fsr-3987	43	14	biggest	big	ADJ
fsr-3987	43	15	names	name	NOUN
fsr-3987	43	16	in	in	ADP
fsr-3987	43	17	the	the	DET
fsr-3987	43	18	field	field	NOUN
fsr-3987	43	19	(	(	PUNCT
fsr-3987	43	20	e.g.	e.g.	ADV
fsr-3987	43	21	,	,	PUNCT
fsr-3987	43	22	harry	harry	PROPN
fsr-3987	43	23	markowitz	markowitz	PROPN
fsr-3987	43	24	,	,	PUNCT
fsr-3987	43	25	william	william	PROPN
fsr-3987	43	26	sharpe	sharpe	PROPN
fsr-3987	43	27	,	,	PUNCT
fsr-3987	43	28	sherman	sherman	PROPN
fsr-3987	43	29	hanna	hanna	PROPN
fsr-3987	43	30	,	,	PUNCT
fsr-3987	43	31	and	and	CCONJ
fsr-3987	43	32	others	other	NOUN
fsr-3987	43	33	)	)	PUNCT
fsr-3987	43	34	having	having	AUX
fsr-3987	43	35	published	publish	VERB
fsr-3987	43	36	in	in	ADP
fsr-3987	43	37	fsr	fsr	PROPN
fsr-3987	43	38	,	,	PUNCT
fsr-3987	43	39	i	i	PRON
fsr-3987	43	40	certainly	certainly	ADV
fsr-3987	43	41	hope	hope	VERB
fsr-3987	43	42	that	that	SCONJ
fsr-3987	43	43	fsr	fsr	PROPN
fsr-3987	43	44	can	can	AUX
fsr-3987	43	45	make	make	VERB
fsr-3987	43	46	a	a	DET
fsr-3987	43	47	compelling	compelling	ADJ
fsr-3987	43	48	argument	argument	NOUN
fsr-3987	43	49	for	for	ADP
fsr-3987	43	50	expanded	expand	VERB
fsr-3987	43	51	indexing	indexing	NOUN
fsr-3987	43	52	.	.	PUNCT
fsr-3987	44	1	when	when	SCONJ
fsr-3987	44	2	you	you	PRON
fsr-3987	44	3	get	get	VERB
fsr-3987	44	4	a	a	DET
fsr-3987	44	5	chance	chance	NOUN
fsr-3987	44	6	,	,	PUNCT
fsr-3987	44	7	please	please	INTJ
fsr-3987	44	8	visit	visit	VERB
fsr-3987	44	9	the	the	DET
fsr-3987	44	10	fsr	fsr	PROPN
fsr-3987	44	11	website	website	NOUN
fsr-3987	44	12	(	(	PUNCT
fsr-3987	44	13	https://openjournals.libs.uga.edu/fsr/index	https://openjournals.libs.uga.edu/fsr/index	PROPN
fsr-3987	44	14	)	)	PUNCT
fsr-3987	44	15	.	.	PUNCT
fsr-3987	45	1	you	you	PRON
fsr-3987	45	2	will	will	AUX
fsr-3987	45	3	see	see	VERB
fsr-3987	45	4	announcements	announcement	NOUN
fsr-3987	45	5	for	for	ADP
fsr-3987	45	6	two	two	NUM
fsr-3987	45	7	special	special	ADJ
fsr-3987	45	8	issues	issue	NOUN
fsr-3987	45	9	that	that	PRON
fsr-3987	45	10	will	will	AUX
fsr-3987	45	11	be	be	AUX
fsr-3987	45	12	published	publish	VERB
fsr-3987	45	13	in	in	ADP
fsr-3987	45	14	2025	2025	NUM
fsr-3987	45	15	.	.	PUNCT
fsr-3987	46	1	•	•	NOUN
fsr-3987	46	2	the	the	DET
fsr-3987	46	3	first	first	ADJ
fsr-3987	46	4	is	be	AUX
fsr-3987	46	5	being	be	AUX
fsr-3987	46	6	co	co	VERB
fsr-3987	46	7	-	-	VERB
fsr-3987	46	8	edited	edit	VERB
fsr-3987	46	9	by	by	ADP
fsr-3987	46	10	drs	drs	PROPN
fsr-3987	46	11	.	.	PUNCT
fsr-3987	47	1	peter	peter	PROPN
fsr-3987	47	2	öhman	öhman	PROPN
fsr-3987	47	3	,	,	PUNCT
fsr-3987	47	4	mustafa	mustafa	PROPN
fsr-3987	47	5	nourallah	nourallah	PROPN
fsr-3987	47	6	,	,	PUNCT
fsr-3987	47	7	and	and	CCONJ
fsr-3987	47	8	izidin	izidin	VERB
fsr-3987	47	9	el	el	PROPN
fsr-3987	47	10	kalak	kalak	PROPN
fsr-3987	47	11	.	.	PUNCT
fsr-3987	48	1	if	if	SCONJ
fsr-3987	48	2	you	you	PRON
fsr-3987	48	3	have	have	VERB
fsr-3987	48	4	a	a	DET
fsr-3987	48	5	paper	paper	NOUN
fsr-3987	48	6	that	that	PRON
fsr-3987	48	7	deals	deal	VERB
fsr-3987	48	8	with	with	ADP
fsr-3987	48	9	the	the	DET
fsr-3987	48	10	topic	topic	NOUN
fsr-3987	48	11	of	of	ADP
fsr-3987	48	12	"	"	PUNCT
fsr-3987	48	13	navigating	navigate	VERB
fsr-3987	48	14	contemporary	contemporary	ADJ
fsr-3987	48	15	fintech	fintech	NOUN
fsr-3987	48	16	solutions	solution	NOUN
fsr-3987	48	17	"	"	PUNCT
fsr-3987	48	18	please	please	INTJ
fsr-3987	48	19	consider	consider	VERB
fsr-3987	48	20	submitting	submit	VERB
fsr-3987	48	21	your	your	PRON
fsr-3987	48	22	paper	paper	NOUN
fsr-3987	48	23	.	.	PUNCT
fsr-3987	49	1	•	•	NUM
fsr-3987	49	2	dr	dr	PROPN
fsr-3987	49	3	.	.	PROPN
fsr-3987	49	4	barry	barry	PROPN
fsr-3987	49	5	mulholland	mulholland	PROPN
fsr-3987	49	6	is	be	AUX
fsr-3987	49	7	serving	serve	VERB
fsr-3987	49	8	as	as	ADP
fsr-3987	49	9	the	the	DET
fsr-3987	49	10	editor	editor	NOUN
fsr-3987	49	11	for	for	ADP
fsr-3987	49	12	the	the	DET
fsr-3987	49	13	second	second	ADJ
fsr-3987	49	14	issue	issue	NOUN
fsr-3987	49	15	,	,	PUNCT
fsr-3987	49	16	which	which	PRON
fsr-3987	49	17	deals	deal	VERB
fsr-3987	49	18	with	with	ADP
fsr-3987	49	19	the	the	DET
fsr-3987	49	20	"	"	PUNCT
fsr-3987	49	21	pedagogy	pedagogy	NOUN
fsr-3987	49	22	of	of	ADP
fsr-3987	49	23	financial	financial	ADJ
fsr-3987	49	24	planning	planning	NOUN
fsr-3987	49	25	.	.	PUNCT
fsr-3987	49	26	"	"	PUNCT
fsr-3987	50	1	this	this	PRON
fsr-3987	50	2	is	be	AUX
fsr-3987	50	3	your	your	PRON
fsr-3987	50	4	opportunity	opportunity	NOUN
fsr-3987	50	5	to	to	PART
fsr-3987	50	6	share	share	VERB
fsr-3987	50	7	,	,	PUNCT
fsr-3987	50	8	in	in	ADP
fsr-3987	50	9	a	a	DET
fsr-3987	50	10	peer	peer	NOUN
fsr-3987	50	11	-	-	PUNCT
fsr-3987	50	12	reviewed	review	VERB
fsr-3987	50	13	outlet	outlet	NOUN
fsr-3987	50	14	,	,	PUNCT
fsr-3987	50	15	your	your	PRON
fsr-3987	50	16	work	work	NOUN
fsr-3987	50	17	related	relate	VERB
fsr-3987	50	18	to	to	ADP
fsr-3987	50	19	the	the	DET
fsr-3987	50	20	development	development	NOUN
fsr-3987	50	21	and	and	CCONJ
fsr-3987	50	22	use	use	NOUN
fsr-3987	50	23	of	of	ADP
fsr-3987	50	24	case	case	NOUN
fsr-3987	50	25	studies	study	NOUN
fsr-3987	50	26	,	,	PUNCT
fsr-3987	50	27	teaching	teaching	NOUN
fsr-3987	50	28	activities	activity	NOUN
fsr-3987	50	29	,	,	PUNCT
fsr-3987	50	30	pedagogical	pedagogical	ADJ
fsr-3987	50	31	models	model	NOUN
fsr-3987	50	32	,	,	PUNCT
fsr-3987	50	33	experiential	experiential	ADJ
fsr-3987	50	34	leaving	leaving	NOUN
fsr-3987	50	35	techniques	technique	NOUN
fsr-3987	50	36	,	,	PUNCT
fsr-3987	50	37	the	the	DET
fsr-3987	50	38	use	use	NOUN
fsr-3987	50	39	of	of	ADP
fsr-3987	50	40	ai	ai	ADJ
fsr-3987	50	41	and	and	CCONJ
fsr-3987	50	42	other	other	ADJ
fsr-3987	50	43	tools	tool	NOUN
fsr-3987	50	44	in	in	ADP
fsr-3987	50	45	the	the	DET
fsr-3987	50	46	classroom	classroom	NOUN
fsr-3987	50	47	,	,	PUNCT
fsr-3987	50	48	curriculum	curriculum	NOUN
fsr-3987	50	49	development	development	NOUN
fsr-3987	50	50	,	,	PUNCT
fsr-3987	50	51	cross	cross	ADJ
fsr-3987	50	52	-	-	ADJ
fsr-3987	50	53	disciplinary	disciplinary	ADJ
fsr-3987	50	54	perspectives	perspective	NOUN
fsr-3987	50	55	on	on	ADP
fsr-3987	50	56	teaching	teaching	NOUN
fsr-3987	50	57	,	,	PUNCT
fsr-3987	50	58	and	and	CCONJ
fsr-3987	50	59	addressing	address	VERB
fsr-3987	50	60	diversity	diversity	NOUN
fsr-3987	50	61	,	,	PUNCT
fsr-3987	50	62	equity	equity	NOUN
fsr-3987	50	63	,	,	PUNCT
fsr-3987	50	64	and	and	CCONJ
fsr-3987	50	65	inclusion	inclusion	NOUN
fsr-3987	50	66	in	in	ADP
fsr-3987	50	67	financial	financial	ADJ
fsr-3987	50	68	planning	planning	NOUN
fsr-3987	50	69	education	education	NOUN
fsr-3987	50	70	.	.	PUNCT
fsr-3987	51	1	another	another	DET
fsr-3987	51	2	important	important	ADJ
fsr-3987	51	3	announcement	announcement	NOUN
fsr-3987	51	4	is	be	AUX
fsr-3987	51	5	that	that	SCONJ
fsr-3987	51	6	you	you	PRON
fsr-3987	51	7	can	can	AUX
fsr-3987	51	8	now	now	ADV
fsr-3987	51	9	access	access	VERB
fsr-3987	51	10	all	all	DET
fsr-3987	51	11	fsr	fsr	PROPN
fsr-3987	51	12	back	back	NOUN
fsr-3987	51	13	issues	issue	NOUN
fsr-3987	51	14	and	and	CCONJ
fsr-3987	51	15	papers	paper	NOUN
fsr-3987	51	16	on	on	ADP
fsr-3987	51	17	the	the	DET
fsr-3987	51	18	journal	journal	NOUN
fsr-3987	51	19	's	's	PART
fsr-3987	51	20	website	website	NOUN
fsr-3987	51	21	.	.	PUNCT
fsr-3987	52	1	this	this	PRON
fsr-3987	52	2	means	mean	VERB
fsr-3987	52	3	that	that	SCONJ
fsr-3987	52	4	anyone	anyone	PRON
fsr-3987	52	5	,	,	PUNCT
fsr-3987	52	6	anywhere	anywhere	ADV
fsr-3987	52	7	,	,	PUNCT
fsr-3987	52	8	has	have	AUX
fsr-3987	52	9	complete	complete	VERB
fsr-3987	52	10	open	open	ADJ
fsr-3987	52	11	access	access	NOUN
fsr-3987	52	12	to	to	ADP
fsr-3987	52	13	the	the	DET
fsr-3987	52	14	fsr	fsr	PROPN
fsr-3987	52	15	archives	archive	NOUN
fsr-3987	52	16	.	.	PUNCT
fsr-3987	53	1	this	this	PRON
fsr-3987	53	2	also	also	ADV
fsr-3987	53	3	means	mean	VERB
fsr-3987	53	4	that	that	SCONJ
fsr-3987	53	5	google	google	PROPN
fsr-3987	53	6	scholar	scholar	NOUN
fsr-3987	53	7	searches	search	NOUN
fsr-3987	53	8	will	will	AUX
fsr-3987	53	9	include	include	VERB
fsr-3987	53	10	more	more	ADJ
fsr-3987	53	11	full	full	ADJ
fsr-3987	53	12	-	-	PUNCT
fsr-3987	53	13	text	text	NOUN
fsr-3987	53	14	fsr	fsr	NOUN
fsr-3987	53	15	outcomes	outcome	NOUN
fsr-3987	53	16	.	.	PUNCT
fsr-3987	54	1	for	for	ADP
fsr-3987	54	2	the	the	DET
fsr-3987	54	3	record	record	NOUN
fsr-3987	54	4	,	,	PUNCT
fsr-3987	54	5	the	the	DET
fsr-3987	54	6	archiving	archive	VERB
fsr-3987	54	7	process	process	NOUN
fsr-3987	54	8	took	take	VERB
fsr-3987	54	9	hundreds	hundred	NOUN
fsr-3987	54	10	of	of	ADP
fsr-3987	54	11	volunteer	volunteer	NOUN
fsr-3987	54	12	hours	hour	NOUN
fsr-3987	54	13	.	.	PUNCT
fsr-3987	55	1	who	who	PRON
fsr-3987	55	2	were	be	AUX
fsr-3987	55	3	these	these	DET
fsr-3987	55	4	volunteers	volunteer	NOUN
fsr-3987	55	5	?	?	PUNCT
fsr-3987	56	1	incredibly	incredibly	ADV
fsr-3987	56	2	,	,	PUNCT
fsr-3987	56	3	this	this	PRON
fsr-3987	56	4	was	be	AUX
fsr-3987	56	5	accomplished	accomplish	VERB
fsr-3987	56	6	by	by	ADP
fsr-3987	56	7	shawn	shawn	PROPN
fsr-3987	56	8	brayman	brayman	PROPN
fsr-3987	56	9	and	and	CCONJ
fsr-3987	56	10	wookjae	wookjae	ADV
fsr-3987	56	11	heo	heo	PROPN
fsr-3987	56	12	(	(	PUNCT
fsr-3987	56	13	and	and	CCONJ
fsr-3987	56	14	dr	dr	PROPN
fsr-3987	56	15	.	.	PROPN
fsr-3987	56	16	heo	heo	PROPN
fsr-3987	56	17	's	's	PART
fsr-3987	56	18	graduate	graduate	ADJ
fsr-3987	56	19	students	student	NOUN
fsr-3987	56	20	)	)	PUNCT
fsr-3987	56	21	.	.	PUNCT
fsr-3987	57	1	if	if	SCONJ
fsr-3987	57	2	there	there	PRON
fsr-3987	57	3	is	be	VERB
fsr-3987	57	4	ever	ever	ADV
fsr-3987	57	5	an	an	DET
fsr-3987	57	6	award	award	NOUN
fsr-3987	57	7	for	for	ADP
fsr-3987	57	8	the	the	DET
fsr-3987	57	9	most	most	ADV
fsr-3987	57	10	underappreciated	underappreciated	ADJ
fsr-3987	57	11	(	(	PUNCT
fsr-3987	57	12	and	and	CCONJ
fsr-3987	57	13	overworked	overwork	VERB
fsr-3987	57	14	)	)	PUNCT
fsr-3987	57	15	volunteers	volunteer	NOUN
fsr-3987	57	16	in	in	ADP
fsr-3987	57	17	an	an	DET
fsr-3987	57	18	academic	academic	ADJ
fsr-3987	57	19	setting	setting	NOUN
fsr-3987	57	20	,	,	PUNCT
fsr-3987	57	21	shawn	shawn	NOUN
fsr-3987	57	22	and	and	CCONJ
fsr-3987	57	23	wookjae	wookjae	ADV
fsr-3987	57	24	are	be	AUX
fsr-3987	57	25	deserving	deserve	VERB
fsr-3987	57	26	of	of	ADP
fsr-3987	57	27	a	a	DET
fsr-3987	57	28	prize	prize	NOUN
fsr-3987	57	29	.	.	PUNCT
fsr-3987	58	1	my	my	PRON
fsr-3987	58	2	deepest	deep	ADJ
fsr-3987	58	3	thanks	thank	NOUN
fsr-3987	58	4	to	to	ADP
fsr-3987	58	5	these	these	DET
fsr-3987	58	6	two	two	NUM
fsr-3987	58	7	"	"	PUNCT
fsr-3987	58	8	fsr	fsr	PROPN
fsr-3987	58	9	superheros	superhero	NOUN
fsr-3987	58	10	.	.	PUNCT
fsr-3987	58	11	"	"	PUNCT
fsr-3987	59	1	until	until	ADP
fsr-3987	59	2	next	next	ADJ
fsr-3987	59	3	time	time	NOUN
fsr-3987	59	4	,	,	PUNCT
fsr-3987	59	5	all	all	DET
fsr-3987	59	6	the	the	DET
fsr-3987	59	7	best	good	ADJ
fsr-3987	59	8	,	,	PUNCT
fsr-3987	59	9	john	john	PROPN
fsr-3987	59	10	e.	e.	PROPN
fsr-3987	59	11	grable	grable	PROPN
fsr-3987	59	12	,	,	PUNCT
fsr-3987	59	13	ph.d	ph.d	PROPN
fsr-3987	59	14	.	.	PROPN
fsr-3987	59	15	,	,	PUNCT
fsr-3987	59	16	cfp	cfp	PROPN
fsr-3987	59	17	®	®	NOUN
fsr-3987	59	18	editor	editor	NOUN