id	sid	tid	token	lemma	pos
fsr-4009	1	1	financial	financial	PROPN
fsr-4009	1	2	services	service	NOUN
fsr-4009	1	3	review	review	NOUN
fsr-4009	1	4	,	,	PUNCT
fsr-4009	1	5	33(2	33(2	NUM
fsr-4009	1	6	)	)	PUNCT
fsr-4009	1	7	144	144	NUM
fsr-4009	1	8	examining	examine	VERB
fsr-4009	1	9	the	the	DET
fsr-4009	1	10	gender	gender	NOUN
fsr-4009	1	11	gap	gap	NOUN
fsr-4009	1	12	in	in	ADP
fsr-4009	1	13	participation	participation	NOUN
fsr-4009	1	14	in	in	ADP
fsr-4009	1	15	employersponsored	employersponsored	ADJ
fsr-4009	1	16	retirement	retirement	NOUN
fsr-4009	1	17	plans	plan	NOUN
fsr-4009	1	18	:	:	PUNCT
fsr-4009	1	19	oaxaca	oaxaca	PROPN
fsr-4009	1	20	decomposition	decomposition	NOUN
fsr-4009	1	21	ferdous	ferdous	ADJ
fsr-4009	1	22	ahmmed,1	ahmmed,1	ADP
fsr-4009	1	23	charlene	charlene	PROPN
fsr-4009	1	24	marie	marie	PROPN
fsr-4009	1	25	kalenkoski,2	kalenkoski,2	PROPN
fsr-4009	1	26	and	and	CCONJ
fsr-4009	1	27	christopher	christopher	PROPN
fsr-4009	1	28	m.	m.	PROPN
fsr-4009	1	29	browning3	browning3	PROPN
fsr-4009	2	1	abstract	abstract	ADJ
fsr-4009	2	2	using	use	VERB
fsr-4009	2	3	the	the	DET
fsr-4009	2	4	2021	2021	NUM
fsr-4009	2	5	national	national	ADJ
fsr-4009	2	6	financial	financial	ADJ
fsr-4009	2	7	capability	capability	NOUN
fsr-4009	2	8	study	study	NOUN
fsr-4009	2	9	(	(	PUNCT
fsr-4009	2	10	nfcs	nfcs	PROPN
fsr-4009	2	11	)	)	PUNCT
fsr-4009	2	12	,	,	PUNCT
fsr-4009	2	13	this	this	DET
fsr-4009	2	14	study	study	NOUN
fsr-4009	2	15	examines	examine	VERB
fsr-4009	2	16	the	the	DET
fsr-4009	2	17	association	association	NOUN
fsr-4009	2	18	between	between	ADP
fsr-4009	2	19	gender	gender	NOUN
fsr-4009	2	20	-	-	PUNCT
fsr-4009	2	21	based	base	VERB
fsr-4009	2	22	participation	participation	NOUN
fsr-4009	2	23	in	in	ADP
fsr-4009	2	24	employer	employer	NOUN
fsr-4009	2	25	-	-	PUNCT
fsr-4009	2	26	sponsored	sponsor	VERB
fsr-4009	2	27	retirement	retirement	NOUN
fsr-4009	2	28	plans	plan	NOUN
fsr-4009	2	29	and	and	CCONJ
fsr-4009	2	30	financial	financial	ADJ
fsr-4009	2	31	literacy	literacy	NOUN
fsr-4009	2	32	.	.	PUNCT
fsr-4009	3	1	it	it	PRON
fsr-4009	3	2	also	also	ADV
fsr-4009	3	3	decomposes	decompose	VERB
fsr-4009	3	4	the	the	DET
fsr-4009	3	5	association	association	NOUN
fsr-4009	3	6	between	between	ADP
fsr-4009	3	7	gender	gender	NOUN
fsr-4009	3	8	-	-	PUNCT
fsr-4009	3	9	based	base	VERB
fsr-4009	3	10	participation	participation	NOUN
fsr-4009	3	11	in	in	ADP
fsr-4009	3	12	employer	employer	NOUN
fsr-4009	3	13	-	-	PUNCT
fsr-4009	3	14	sponsored	sponsor	VERB
fsr-4009	3	15	retirement	retirement	NOUN
fsr-4009	3	16	plans	plan	NOUN
fsr-4009	3	17	into	into	ADP
fsr-4009	3	18	its	its	PRON
fsr-4009	3	19	explained	explain	VERB
fsr-4009	3	20	and	and	CCONJ
fsr-4009	3	21	unexplained	unexplained	ADJ
fsr-4009	3	22	portions	portion	NOUN
fsr-4009	3	23	using	use	VERB
fsr-4009	3	24	the	the	DET
fsr-4009	3	25	oaxaca	oaxaca	PROPN
fsr-4009	3	26	decomposition	decomposition	NOUN
fsr-4009	3	27	.	.	PUNCT
fsr-4009	4	1	the	the	DET
fsr-4009	4	2	explained	explain	VERB
fsr-4009	4	3	portion	portion	NOUN
fsr-4009	4	4	measures	measure	NOUN
fsr-4009	4	5	how	how	SCONJ
fsr-4009	4	6	much	much	ADJ
fsr-4009	4	7	of	of	ADP
fsr-4009	4	8	the	the	DET
fsr-4009	4	9	gender	gender	NOUN
fsr-4009	4	10	gap	gap	NOUN
fsr-4009	4	11	in	in	ADP
fsr-4009	4	12	employer	employer	NOUN
fsr-4009	4	13	-	-	PUNCT
fsr-4009	4	14	sponsored	sponsor	VERB
fsr-4009	4	15	,	,	PUNCT
fsr-4009	4	16	retirement	retirement	NOUN
fsr-4009	4	17	-	-	PUNCT
fsr-4009	4	18	plan	plan	NOUN
fsr-4009	4	19	participation	participation	NOUN
fsr-4009	4	20	is	be	AUX
fsr-4009	4	21	due	due	ADJ
fsr-4009	4	22	to	to	ADP
fsr-4009	4	23	the	the	DET
fsr-4009	4	24	differences	difference	NOUN
fsr-4009	4	25	in	in	ADP
fsr-4009	4	26	the	the	DET
fsr-4009	4	27	level	level	NOUN
fsr-4009	4	28	of	of	ADP
fsr-4009	4	29	financial	financial	ADJ
fsr-4009	4	30	literacy	literacy	NOUN
fsr-4009	4	31	.	.	PUNCT
fsr-4009	5	1	the	the	DET
fsr-4009	5	2	unexplained	unexplained	ADJ
fsr-4009	5	3	portion	portion	NOUN
fsr-4009	5	4	measures	measure	VERB
fsr-4009	5	5	how	how	SCONJ
fsr-4009	5	6	much	much	ADJ
fsr-4009	5	7	of	of	ADP
fsr-4009	5	8	the	the	DET
fsr-4009	5	9	gender	gender	NOUN
fsr-4009	5	10	gap	gap	NOUN
fsr-4009	5	11	in	in	ADP
fsr-4009	5	12	employer	employer	NOUN
fsr-4009	5	13	-	-	PUNCT
fsr-4009	5	14	sponsored	sponsor	VERB
fsr-4009	5	15	,	,	PUNCT
fsr-4009	5	16	retirement	retirement	NOUN
fsr-4009	5	17	-	-	PUNCT
fsr-4009	5	18	plan	plan	NOUN
fsr-4009	5	19	participation	participation	NOUN
fsr-4009	5	20	is	be	AUX
fsr-4009	5	21	due	due	ADJ
fsr-4009	5	22	to	to	ADP
fsr-4009	5	23	the	the	DET
fsr-4009	5	24	difference	difference	NOUN
fsr-4009	5	25	in	in	ADP
fsr-4009	5	26	the	the	DET
fsr-4009	5	27	return	return	NOUN
fsr-4009	5	28	to	to	ADP
fsr-4009	5	29	financial	financial	ADJ
fsr-4009	5	30	literacy	literacy	NOUN
fsr-4009	5	31	between	between	ADP
fsr-4009	5	32	men	man	NOUN
fsr-4009	5	33	and	and	CCONJ
fsr-4009	5	34	women	woman	NOUN
fsr-4009	5	35	.	.	PUNCT
fsr-4009	6	1	the	the	DET
fsr-4009	6	2	results	result	NOUN
fsr-4009	6	3	show	show	VERB
fsr-4009	6	4	that	that	SCONJ
fsr-4009	6	5	the	the	DET
fsr-4009	6	6	explained	explain	VERB
fsr-4009	6	7	portion	portion	NOUN
fsr-4009	6	8	of	of	ADP
fsr-4009	6	9	the	the	DET
fsr-4009	6	10	gap	gap	NOUN
fsr-4009	6	11	due	due	ADJ
fsr-4009	6	12	to	to	ADP
fsr-4009	6	13	financial	financial	ADJ
fsr-4009	6	14	literacy	literacy	NOUN
fsr-4009	6	15	is	be	AUX
fsr-4009	6	16	-0.02	-0.02	NUM
fsr-4009	6	17	,	,	PUNCT
fsr-4009	6	18	and	and	CCONJ
fsr-4009	6	19	the	the	DET
fsr-4009	6	20	unexplained	unexplained	ADJ
fsr-4009	6	21	portion	portion	NOUN
fsr-4009	6	22	of	of	ADP
fsr-4009	6	23	the	the	DET
fsr-4009	6	24	gap	gap	NOUN
fsr-4009	6	25	due	due	ADJ
fsr-4009	6	26	to	to	PART
fsr-4009	6	27	return	return	VERB
fsr-4009	6	28	to	to	ADP
fsr-4009	6	29	financial	financial	ADJ
fsr-4009	6	30	literacy	literacy	NOUN
fsr-4009	6	31	is	be	AUX
fsr-4009	6	32	-0.03	-0.03	NOUN
fsr-4009	6	33	.	.	PUNCT
fsr-4009	7	1	the	the	DET
fsr-4009	7	2	negative	negative	ADJ
fsr-4009	7	3	explained	explain	VERB
fsr-4009	7	4	and	and	CCONJ
fsr-4009	7	5	unexplained	unexplained	ADJ
fsr-4009	7	6	gap	gap	NOUN
fsr-4009	7	7	due	due	ADJ
fsr-4009	7	8	to	to	ADP
fsr-4009	7	9	financial	financial	ADJ
fsr-4009	7	10	literacy	literacy	NOUN
fsr-4009	7	11	suggests	suggest	VERB
fsr-4009	7	12	that	that	SCONJ
fsr-4009	7	13	women	woman	NOUN
fsr-4009	7	14	have	have	VERB
fsr-4009	7	15	a	a	DET
fsr-4009	7	16	lower	low	ADJ
fsr-4009	7	17	average	average	ADJ
fsr-4009	7	18	value	value	NOUN
fsr-4009	7	19	of	of	ADP
fsr-4009	7	20	financial	financial	ADJ
fsr-4009	7	21	literacy	literacy	NOUN
fsr-4009	7	22	and	and	CCONJ
fsr-4009	7	23	a	a	DET
fsr-4009	7	24	lower	low	ADJ
fsr-4009	7	25	return	return	NOUN
fsr-4009	7	26	to	to	ADP
fsr-4009	7	27	financial	financial	ADJ
fsr-4009	7	28	literacy	literacy	NOUN
fsr-4009	7	29	than	than	ADP
fsr-4009	7	30	men	man	NOUN
fsr-4009	7	31	.	.	PUNCT
fsr-4009	8	1	creative	creative	ADJ
fsr-4009	8	2	commons	commons	PROPN
fsr-4009	8	3	license	license	NOUN
fsr-4009	8	4	this	this	DET
fsr-4009	8	5	work	work	NOUN
fsr-4009	8	6	is	be	AUX
fsr-4009	8	7	licensed	license	VERB
fsr-4009	8	8	under	under	ADP
fsr-4009	8	9	a	a	DET
fsr-4009	8	10	creative	creative	ADJ
fsr-4009	8	11	commons	common	NOUN
fsr-4009	8	12	attribution	attribution	NOUN
fsr-4009	8	13	-	-	PUNCT
fsr-4009	8	14	noncommercial	noncommercial	ADJ
fsr-4009	8	15	4.0	4.0	NUM
fsr-4009	8	16	license	license	NOUN
fsr-4009	8	17	recommended	recommend	VERB
fsr-4009	8	18	citation	citation	NOUN
fsr-4009	8	19	ahmmed	ahmmed	PROPN
fsr-4009	8	20	,	,	PUNCT
fsr-4009	8	21	f.	f.	PROPN
fsr-4009	8	22	,	,	PUNCT
fsr-4009	8	23	kalenkoski	kalenkoski	PROPN
fsr-4009	8	24	,	,	PUNCT
fsr-4009	8	25	c.	c.	PROPN
fsr-4009	8	26	m.	m.	NOUN
fsr-4009	8	27	,	,	PUNCT
fsr-4009	8	28	&	&	CCONJ
fsr-4009	8	29	browning	browning	PROPN
fsr-4009	8	30	,	,	PUNCT
fsr-4009	8	31	c.	c.	PROPN
fsr-4009	8	32	m.	m.	NOUN
fsr-4009	8	33	(	(	PUNCT
fsr-4009	8	34	2025	2025	NUM
fsr-4009	8	35	)	)	PUNCT
fsr-4009	8	36	.	.	PUNCT
fsr-4009	9	1	examining	examine	VERB
fsr-4009	9	2	the	the	DET
fsr-4009	9	3	gender	gender	NOUN
fsr-4009	9	4	gap	gap	NOUN
fsr-4009	9	5	in	in	ADP
fsr-4009	9	6	participation	participation	NOUN
fsr-4009	9	7	in	in	ADP
fsr-4009	9	8	employer	employer	NOUN
fsr-4009	9	9	-	-	PUNCT
fsr-4009	9	10	sponsored	sponsor	VERB
fsr-4009	9	11	retirement	retirement	NOUN
fsr-4009	9	12	plans	plan	NOUN
fsr-4009	9	13	:	:	PUNCT
fsr-4009	9	14	oaxaca	oaxaca	PROPN
fsr-4009	9	15	decomposition	decomposition	NOUN
fsr-4009	9	16	.	.	PUNCT
fsr-4009	10	1	financial	financial	ADJ
fsr-4009	10	2	services	service	NOUN
fsr-4009	10	3	review	review	PROPN
fsr-4009	10	4	,	,	PUNCT
fsr-4009	10	5	33(2	33(2	NUM
fsr-4009	10	6	)	)	PUNCT
fsr-4009	10	7	,	,	PUNCT
fsr-4009	10	8	144	144	NUM
fsr-4009	10	9	-	-	SYM
fsr-4009	10	10	164	164	NUM
fsr-4009	10	11	.	.	PUNCT
fsr-4009	10	12	introduction	introduction	NOUN
fsr-4009	10	13	according	accord	VERB
fsr-4009	10	14	to	to	ADP
fsr-4009	10	15	the	the	DET
fsr-4009	10	16	u.s	u.s	PROPN
fsr-4009	10	17	.	.	PROPN
fsr-4009	10	18	bureau	bureau	PROPN
fsr-4009	10	19	of	of	ADP
fsr-4009	10	20	labor	labor	PROPN
fsr-4009	10	21	statistics	statistic	NOUN
fsr-4009	10	22	,	,	PUNCT
fsr-4009	10	23	68	68	NUM
fsr-4009	10	24	percent	percent	NOUN
fsr-4009	10	25	of	of	ADP
fsr-4009	10	26	workers	worker	NOUN
fsr-4009	10	27	in	in	ADP
fsr-4009	10	28	the	the	DET
fsr-4009	10	29	private	private	ADJ
fsr-4009	10	30	sector	sector	NOUN
fsr-4009	10	31	had	have	VERB
fsr-4009	10	32	access	access	NOUN
fsr-4009	10	33	to	to	ADP
fsr-4009	10	34	retirement	retirement	NOUN
fsr-4009	10	35	benefits	benefit	NOUN
fsr-4009	10	36	through	through	ADP
fsr-4009	10	37	their	their	PRON
fsr-4009	10	38	employer	employer	NOUN
fsr-4009	10	39	in	in	ADP
fsr-4009	10	40	march	march	PROPN
fsr-4009	10	41	2021	2021	NUM
fsr-4009	10	42	,	,	PUNCT
fsr-4009	10	43	and	and	CCONJ
fsr-4009	10	44	only	only	ADV
fsr-4009	10	45	51	51	NUM
fsr-4009	10	46	percent	percent	NOUN
fsr-4009	10	47	chose	choose	VERB
fsr-4009	10	48	to	to	PART
fsr-4009	10	49	participate	participate	VERB
fsr-4009	10	50	.	.	PUNCT
fsr-4009	11	1	among	among	ADP
fsr-4009	11	2	the	the	DET
fsr-4009	11	3	state	state	NOUN
fsr-4009	11	4	and	and	CCONJ
fsr-4009	11	5	local	local	ADJ
fsr-4009	11	6	government	government	NOUN
fsr-4009	11	7	workers	worker	NOUN
fsr-4009	11	8	,	,	PUNCT
fsr-4009	11	9	ninety	ninety	NUM
fsr-4009	11	10	-	-	PUNCT
fsr-4009	11	11	two	two	NUM
fsr-4009	11	12	percent	percent	NOUN
fsr-4009	11	13	had	have	VERB
fsr-4009	11	14	1	1	NUM
fsr-4009	11	15	corresponding	correspond	VERB
fsr-4009	11	16	author	author	NOUN
fsr-4009	11	17	(	(	PUNCT
fsr-4009	11	18	ferdousahmmed@missouristate.edu	ferdousahmmed@missouristate.edu	PROPN
fsr-4009	11	19	)	)	PUNCT
fsr-4009	11	20	.	.	PUNCT
fsr-4009	12	1	missouri	missouri	PROPN
fsr-4009	12	2	state	state	PROPN
fsr-4009	12	3	university	university	PROPN
fsr-4009	12	4	,	,	PUNCT
fsr-4009	12	5	springfield	springfield	PROPN
fsr-4009	12	6	,	,	PUNCT
fsr-4009	12	7	mo	mo	PROPN
fsr-4009	12	8	,	,	PUNCT
fsr-4009	12	9	usa	usa	PROPN
fsr-4009	12	10	.	.	PROPN
fsr-4009	12	11	2	2	NUM
fsr-4009	12	12	james	james	PROPN
fsr-4009	12	13	madison	madison	PROPN
fsr-4009	12	14	university	university	PROPN
fsr-4009	12	15	,	,	PUNCT
fsr-4009	12	16	harrisonburg	harrisonburg	PROPN
fsr-4009	12	17	,	,	PUNCT
fsr-4009	12	18	va	va	PROPN
fsr-4009	12	19	,	,	PUNCT
fsr-4009	12	20	usa	usa	PROPN
fsr-4009	12	21	.	.	PROPN
fsr-4009	12	22	3	3	NUM
fsr-4009	12	23	texas	texas	PROPN
fsr-4009	12	24	tech	tech	PROPN
fsr-4009	12	25	university	university	PROPN
fsr-4009	12	26	,	,	PUNCT
fsr-4009	12	27	lubbock	lubbock	PROPN
fsr-4009	12	28	,	,	PUNCT
fsr-4009	12	29	tx	tx	PROPN
fsr-4009	12	30	,	,	PUNCT
fsr-4009	12	31	usa	usa	PROPN
fsr-4009	12	32	.	.	PROPN
fsr-4009	12	33	acknowledgments	acknowledgment	NOUN
fsr-4009	12	34	:	:	PUNCT
fsr-4009	12	35	the	the	DET
fsr-4009	12	36	authors	author	NOUN
fsr-4009	12	37	thank	thank	VERB
fsr-4009	12	38	russell	russell	PROPN
fsr-4009	12	39	james	james	PROPN
fsr-4009	12	40	,	,	PUNCT
fsr-4009	12	41	thomas	thomas	PROPN
fsr-4009	12	42	korankye	korankye	PROPN
fsr-4009	12	43	,	,	PUNCT
fsr-4009	12	44	and	and	CCONJ
fsr-4009	12	45	michael	michael	PROPN
fsr-4009	12	46	guillemette	guillemette	PROPN
fsr-4009	12	47	for	for	ADP
fsr-4009	12	48	their	their	PRON
fsr-4009	12	49	valuable	valuable	ADJ
fsr-4009	12	50	comments	comment	NOUN
fsr-4009	12	51	and	and	CCONJ
fsr-4009	12	52	suggestions	suggestion	NOUN
fsr-4009	12	53	.	.	PUNCT
fsr-4009	13	1	access	access	NOUN
fsr-4009	13	2	to	to	ADP
fsr-4009	13	3	retirement	retirement	NOUN
fsr-4009	13	4	benefits	benefit	NOUN
fsr-4009	13	5	,	,	PUNCT
fsr-4009	13	6	but	but	CCONJ
fsr-4009	13	7	only	only	ADV
fsr-4009	13	8	82	82	NUM
fsr-4009	13	9	percent	percent	NOUN
fsr-4009	13	10	participated	participate	VERB
fsr-4009	13	11	(	(	PUNCT
fsr-4009	13	12	u.s	u.s	PROPN
fsr-4009	13	13	.	.	PROPN
fsr-4009	13	14	bureau	bureau	PROPN
fsr-4009	13	15	of	of	ADP
fsr-4009	13	16	labor	labor	PROPN
fsr-4009	13	17	statistics	statistic	NOUN
fsr-4009	13	18	,	,	PUNCT
fsr-4009	13	19	2021	2021	NUM
fsr-4009	13	20	)	)	PUNCT
fsr-4009	13	21	.	.	PUNCT
fsr-4009	14	1	the	the	DET
fsr-4009	14	2	employee	employee	NOUN
fsr-4009	14	3	retirement	retirement	PROPN
fsr-4009	14	4	income	income	PROPN
fsr-4009	14	5	security	security	PROPN
fsr-4009	14	6	act	act	PROPN
fsr-4009	14	7	(	(	PUNCT
fsr-4009	14	8	erisa	erisa	NOUN
fsr-4009	14	9	)	)	PUNCT
fsr-4009	14	10	ensures	ensure	VERB
fsr-4009	14	11	that	that	SCONJ
fsr-4009	14	12	all	all	DET
fsr-4009	14	13	employees	employee	NOUN
fsr-4009	14	14	have	have	VERB
fsr-4009	14	15	equal	equal	ADJ
fsr-4009	14	16	access	access	NOUN
fsr-4009	14	17	to	to	ADP
fsr-4009	14	18	employer	employer	NOUN
fsr-4009	14	19	-	-	PUNCT
fsr-4009	14	20	sponsored	sponsor	VERB
fsr-4009	14	21	retirement	retirement	NOUN
fsr-4009	14	22	plans	plan	NOUN
fsr-4009	14	23	regardless	regardless	ADV
fsr-4009	14	24	of	of	ADP
fsr-4009	14	25	gender	gender	NOUN
fsr-4009	14	26	,	,	PUNCT
fsr-4009	14	27	race	race	NOUN
fsr-4009	14	28	,	,	PUNCT
fsr-4009	14	29	or	or	CCONJ
fsr-4009	14	30	ethnicity	ethnicity	NOUN
fsr-4009	14	31	,	,	PUNCT
fsr-4009	14	32	as	as	ADV
fsr-4009	14	33	long	long	ADV
fsr-4009	14	34	as	as	ADP
fsr-4009	14	35	https://creativecommons.org/licenses/by-nc/4.0/	https://creativecommons.org/licenses/by-nc/4.0/	PROPN
fsr-4009	14	36	mailto:ferdousahmmed@missouristate.edu	mailto:ferdousahmmed@missouristate.edu	NOUN
fsr-4009	15	1	https://creativecommons.org/licenses/by-nc/4.0/	https://creativecommons.org/licenses/by-nc/4.0/	NOUN
fsr-4009	15	2	ahmmed	ahmmed	PROPN
fsr-4009	15	3	et	et	PROPN
fsr-4009	15	4	al	al	PROPN
fsr-4009	15	5	.	.	PROPN
fsr-4009	16	1	145	145	NUM
fsr-4009	16	2	they	they	PRON
fsr-4009	16	3	meet	meet	VERB
fsr-4009	16	4	the	the	DET
fsr-4009	16	5	eligibility	eligibility	NOUN
fsr-4009	16	6	requirements	requirement	NOUN
fsr-4009	16	7	.	.	PUNCT
fsr-4009	17	1	under	under	ADP
fsr-4009	17	2	erisa	erisa	NOUN
fsr-4009	17	3	,	,	PUNCT
fsr-4009	17	4	if	if	SCONJ
fsr-4009	17	5	an	an	DET
fsr-4009	17	6	employer	employer	NOUN
fsr-4009	17	7	offers	offer	VERB
fsr-4009	17	8	a	a	DET
fsr-4009	17	9	retirement	retirement	NOUN
fsr-4009	17	10	plan	plan	NOUN
fsr-4009	17	11	,	,	PUNCT
fsr-4009	17	12	they	they	PRON
fsr-4009	17	13	must	must	AUX
fsr-4009	17	14	follow	follow	VERB
fsr-4009	17	15	specific	specific	ADJ
fsr-4009	17	16	rules	rule	NOUN
fsr-4009	17	17	to	to	PART
fsr-4009	17	18	ensure	ensure	VERB
fsr-4009	17	19	that	that	SCONJ
fsr-4009	17	20	the	the	DET
fsr-4009	17	21	plan	plan	NOUN
fsr-4009	17	22	is	be	AUX
fsr-4009	17	23	offered	offer	VERB
fsr-4009	17	24	to	to	ADP
fsr-4009	17	25	all	all	DET
fsr-4009	17	26	eligible	eligible	ADJ
fsr-4009	17	27	employees	employee	NOUN
fsr-4009	17	28	in	in	ADP
fsr-4009	17	29	a	a	DET
fsr-4009	17	30	nondiscriminatory	nondiscriminatory	ADJ
fsr-4009	17	31	manner	manner	NOUN
fsr-4009	17	32	.	.	PUNCT
fsr-4009	18	1	employees	employee	NOUN
fsr-4009	18	2	are	be	AUX
fsr-4009	18	3	eligible	eligible	ADJ
fsr-4009	18	4	to	to	PART
fsr-4009	18	5	participate	participate	VERB
fsr-4009	18	6	in	in	ADP
fsr-4009	18	7	an	an	DET
fsr-4009	18	8	employer	employer	NOUN
fsr-4009	18	9	-	-	PUNCT
fsr-4009	18	10	sponsored	sponsor	VERB
fsr-4009	18	11	retirement	retirement	NOUN
fsr-4009	18	12	plan	plan	NOUN
fsr-4009	18	13	once	once	SCONJ
fsr-4009	18	14	they	they	PRON
fsr-4009	18	15	meet	meet	VERB
fsr-4009	18	16	certain	certain	ADJ
fsr-4009	18	17	age	age	NOUN
fsr-4009	18	18	and	and	CCONJ
fsr-4009	18	19	service	service	NOUN
fsr-4009	18	20	requirements	requirement	NOUN
fsr-4009	18	21	.	.	PUNCT
fsr-4009	19	1	for	for	ADP
fsr-4009	19	2	example	example	NOUN
fsr-4009	19	3	,	,	PUNCT
fsr-4009	19	4	an	an	DET
fsr-4009	19	5	employer	employer	NOUN
fsr-4009	19	6	may	may	AUX
fsr-4009	19	7	require	require	VERB
fsr-4009	19	8	that	that	SCONJ
fsr-4009	19	9	the	the	DET
fsr-4009	19	10	employees	employee	NOUN
fsr-4009	19	11	be	be	VERB
fsr-4009	19	12	at	at	ADV
fsr-4009	19	13	least	least	ADV
fsr-4009	19	14	21	21	NUM
fsr-4009	19	15	years	year	NOUN
fsr-4009	19	16	old	old	ADJ
fsr-4009	19	17	and	and	CCONJ
fsr-4009	19	18	have	have	AUX
fsr-4009	19	19	worked	work	VERB
fsr-4009	19	20	for	for	ADP
fsr-4009	19	21	the	the	DET
fsr-4009	19	22	company	company	NOUN
fsr-4009	19	23	for	for	ADP
fsr-4009	19	24	at	at	ADV
fsr-4009	19	25	least	least	ADV
fsr-4009	19	26	one	one	NUM
fsr-4009	19	27	year	year	NOUN
fsr-4009	19	28	before	before	ADP
fsr-4009	19	29	becoming	become	VERB
fsr-4009	19	30	eligible	eligible	ADJ
fsr-4009	19	31	to	to	PART
fsr-4009	19	32	participate	participate	VERB
fsr-4009	19	33	in	in	ADP
fsr-4009	19	34	the	the	DET
fsr-4009	19	35	retirement	retirement	NOUN
fsr-4009	19	36	plan	plan	NOUN
fsr-4009	19	37	.	.	PUNCT
fsr-4009	20	1	employers	employer	NOUN
fsr-4009	20	2	must	must	AUX
fsr-4009	20	3	also	also	ADV
fsr-4009	20	4	follow	follow	VERB
fsr-4009	20	5	nondiscrimination	nondiscrimination	NOUN
fsr-4009	20	6	rules	rule	NOUN
fsr-4009	20	7	to	to	PART
fsr-4009	20	8	ensure	ensure	VERB
fsr-4009	20	9	that	that	SCONJ
fsr-4009	20	10	the	the	DET
fsr-4009	20	11	retirement	retirement	NOUN
fsr-4009	20	12	plan	plan	NOUN
fsr-4009	20	13	is	be	AUX
fsr-4009	20	14	not	not	PART
fsr-4009	20	15	unfairly	unfairly	ADV
fsr-4009	20	16	weighted	weight	VERB
fsr-4009	20	17	in	in	ADP
fsr-4009	20	18	favor	favor	NOUN
fsr-4009	20	19	of	of	ADP
fsr-4009	20	20	highly	highly	ADV
fsr-4009	20	21	compensated	compensated	ADJ
fsr-4009	20	22	employees	employee	NOUN
fsr-4009	20	23	.	.	PUNCT
fsr-4009	21	1	these	these	DET
fsr-4009	21	2	rules	rule	NOUN
fsr-4009	21	3	aim	aim	VERB
fsr-4009	21	4	to	to	PART
fsr-4009	21	5	prevent	prevent	VERB
fsr-4009	21	6	employers	employer	NOUN
fsr-4009	21	7	from	from	ADP
fsr-4009	21	8	providing	provide	VERB
fsr-4009	21	9	greater	great	ADJ
fsr-4009	21	10	retirement	retirement	NOUN
fsr-4009	21	11	benefits	benefit	NOUN
fsr-4009	21	12	to	to	ADP
fsr-4009	21	13	executives	executive	NOUN
fsr-4009	21	14	or	or	CCONJ
fsr-4009	21	15	other	other	ADJ
fsr-4009	21	16	highly	highly	ADV
fsr-4009	21	17	-	-	PUNCT
fsr-4009	21	18	paid	pay	VERB
fsr-4009	21	19	employees	employee	NOUN
fsr-4009	21	20	while	while	SCONJ
fsr-4009	21	21	excluding	exclude	VERB
fsr-4009	21	22	lower	lower	ADV
fsr-4009	21	23	-	-	PUNCT
fsr-4009	21	24	paid	pay	VERB
fsr-4009	21	25	workers	worker	NOUN
fsr-4009	21	26	.	.	PUNCT
fsr-4009	22	1	this	this	PRON
fsr-4009	22	2	ensures	ensure	VERB
fsr-4009	22	3	that	that	SCONJ
fsr-4009	22	4	everyone	everyone	PRON
fsr-4009	22	5	has	have	VERB
fsr-4009	22	6	equal	equal	ADJ
fsr-4009	22	7	access	access	NOUN
fsr-4009	22	8	to	to	ADP
fsr-4009	22	9	employer	employer	NOUN
fsr-4009	22	10	-	-	PUNCT
fsr-4009	22	11	sponsored	sponsor	VERB
fsr-4009	22	12	retirement	retirement	NOUN
fsr-4009	22	13	plans	plan	NOUN
fsr-4009	22	14	and	and	CCONJ
fsr-4009	22	15	is	be	AUX
fsr-4009	22	16	subject	subject	ADJ
fsr-4009	22	17	to	to	ADP
fsr-4009	22	18	the	the	DET
fsr-4009	22	19	same	same	ADJ
fsr-4009	22	20	eligibility	eligibility	NOUN
fsr-4009	22	21	rules	rule	NOUN
fsr-4009	22	22	.	.	PUNCT
fsr-4009	23	1	if	if	SCONJ
fsr-4009	23	2	the	the	DET
fsr-4009	23	3	employees	employee	NOUN
fsr-4009	23	4	meet	meet	VERB
fsr-4009	23	5	those	those	DET
fsr-4009	23	6	eligibility	eligibility	NOUN
fsr-4009	23	7	requirements	requirement	NOUN
fsr-4009	23	8	,	,	PUNCT
fsr-4009	23	9	then	then	ADV
fsr-4009	23	10	there	there	PRON
fsr-4009	23	11	should	should	AUX
fsr-4009	23	12	not	not	PART
fsr-4009	23	13	be	be	AUX
fsr-4009	23	14	a	a	DET
fsr-4009	23	15	barrier	barrier	NOUN
fsr-4009	23	16	to	to	PART
fsr-4009	23	17	plan	plan	VERB
fsr-4009	23	18	participation	participation	NOUN
fsr-4009	23	19	.	.	PUNCT
fsr-4009	24	1	however	however	ADV
fsr-4009	24	2	,	,	PUNCT
fsr-4009	24	3	participation	participation	NOUN
fsr-4009	24	4	is	be	AUX
fsr-4009	24	5	voluntary	voluntary	ADJ
fsr-4009	24	6	,	,	PUNCT
fsr-4009	24	7	and	and	CCONJ
fsr-4009	24	8	the	the	DET
fsr-4009	24	9	statistics	statistic	NOUN
fsr-4009	24	10	show	show	VERB
fsr-4009	24	11	a	a	DET
fsr-4009	24	12	gender	gender	NOUN
fsr-4009	24	13	gap	gap	NOUN
fsr-4009	24	14	in	in	ADP
fsr-4009	24	15	employer	employer	NOUN
fsr-4009	24	16	-	-	PUNCT
fsr-4009	24	17	sponsored	sponsor	VERB
fsr-4009	24	18	retirementplan	retirementplan	NOUN
fsr-4009	24	19	participation	participation	NOUN
fsr-4009	24	20	.	.	PUNCT
fsr-4009	25	1	according	accord	VERB
fsr-4009	25	2	to	to	ADP
fsr-4009	25	3	the	the	DET
fsr-4009	25	4	u.s	u.s	PROPN
fsr-4009	25	5	.	.	PROPN
fsr-4009	25	6	bureau	bureau	PROPN
fsr-4009	25	7	of	of	ADP
fsr-4009	25	8	labor	labor	PROPN
fsr-4009	25	9	statistics	statistic	NOUN
fsr-4009	25	10	(	(	PUNCT
fsr-4009	25	11	bls	bls	PROPN
fsr-4009	25	12	2020	2020	NUM
fsr-4009	25	13	)	)	PUNCT
fsr-4009	25	14	,	,	PUNCT
fsr-4009	25	15	women	woman	NOUN
fsr-4009	25	16	’s	’s	PART
fsr-4009	25	17	participation	participation	NOUN
fsr-4009	25	18	in	in	ADP
fsr-4009	25	19	employersponsored	employersponsored	ADJ
fsr-4009	25	20	retirement	retirement	NOUN
fsr-4009	25	21	plans	plan	NOUN
fsr-4009	25	22	such	such	ADJ
fsr-4009	25	23	as	as	ADP
fsr-4009	25	24	401(k)s	401(k)s	PROPN
fsr-4009	25	25	or	or	CCONJ
fsr-4009	25	26	pensions	pension	NOUN
fsr-4009	25	27	is	be	AUX
fsr-4009	25	28	significantly	significantly	ADV
fsr-4009	25	29	less	less	ADJ
fsr-4009	25	30	than	than	ADP
fsr-4009	25	31	men	man	NOUN
fsr-4009	25	32	's	's	PART
fsr-4009	25	33	participation	participation	NOUN
fsr-4009	25	34	.	.	PUNCT
fsr-4009	26	1	in	in	ADP
fsr-4009	26	2	2019	2019	NUM
fsr-4009	26	3	,	,	PUNCT
fsr-4009	26	4	only	only	ADV
fsr-4009	26	5	63	63	NUM
fsr-4009	26	6	%	%	NOUN
fsr-4009	26	7	of	of	ADP
fsr-4009	26	8	women	woman	NOUN
fsr-4009	26	9	participated	participate	VERB
fsr-4009	26	10	in	in	ADP
fsr-4009	26	11	an	an	DET
fsr-4009	26	12	employer	employer	NOUN
fsr-4009	26	13	-	-	PUNCT
fsr-4009	26	14	sponsored	sponsor	VERB
fsr-4009	26	15	retirement	retirement	NOUN
fsr-4009	26	16	plan	plan	NOUN
fsr-4009	26	17	compared	compare	VERB
fsr-4009	26	18	to	to	ADP
fsr-4009	26	19	67	67	NUM
fsr-4009	26	20	%	%	NOUN
fsr-4009	26	21	of	of	ADP
fsr-4009	26	22	men	man	NOUN
fsr-4009	26	23	(	(	PUNCT
fsr-4009	26	24	bls	bls	PROPN
fsr-4009	26	25	2020	2020	NUM
fsr-4009	26	26	)	)	PUNCT
fsr-4009	26	27	.	.	PUNCT
fsr-4009	27	1	the	the	DET
fsr-4009	27	2	gap	gap	NOUN
fsr-4009	27	3	is	be	AUX
fsr-4009	27	4	even	even	ADV
fsr-4009	27	5	wider	wide	ADJ
fsr-4009	27	6	for	for	ADP
fsr-4009	27	7	women	woman	NOUN
fsr-4009	27	8	of	of	ADP
fsr-4009	27	9	color	color	NOUN
fsr-4009	27	10	.	.	PUNCT
fsr-4009	28	1	compared	compare	VERB
fsr-4009	28	2	to	to	ADP
fsr-4009	28	3	65	65	NUM
fsr-4009	28	4	%	%	NOUN
fsr-4009	28	5	of	of	ADP
fsr-4009	28	6	white	white	ADJ
fsr-4009	28	7	women	woman	NOUN
fsr-4009	28	8	,	,	PUNCT
fsr-4009	28	9	only	only	ADV
fsr-4009	28	10	54	54	NUM
fsr-4009	28	11	%	%	NOUN
fsr-4009	28	12	of	of	ADP
fsr-4009	28	13	black	black	ADJ
fsr-4009	28	14	women	woman	NOUN
fsr-4009	28	15	participated	participate	VERB
fsr-4009	28	16	in	in	ADP
fsr-4009	28	17	employer	employer	NOUN
fsr-4009	28	18	-	-	PUNCT
fsr-4009	28	19	sponsored	sponsor	VERB
fsr-4009	28	20	retirement	retirement	NOUN
fsr-4009	28	21	plans	plan	NOUN
fsr-4009	28	22	in	in	ADP
fsr-4009	28	23	2019	2019	NUM
fsr-4009	28	24	(	(	PUNCT
fsr-4009	28	25	bls	bls	PROPN
fsr-4009	28	26	2020	2020	NUM
fsr-4009	28	27	)	)	PUNCT
fsr-4009	28	28	.	.	PUNCT
fsr-4009	29	1	a	a	DET
fsr-4009	29	2	possible	possible	ADJ
fsr-4009	29	3	reason	reason	NOUN
fsr-4009	29	4	for	for	ADP
fsr-4009	29	5	this	this	DET
fsr-4009	29	6	gender	gender	NOUN
fsr-4009	29	7	gap	gap	NOUN
fsr-4009	29	8	is	be	AUX
fsr-4009	29	9	that	that	SCONJ
fsr-4009	29	10	men	man	NOUN
fsr-4009	29	11	and	and	CCONJ
fsr-4009	29	12	women	woman	NOUN
fsr-4009	29	13	face	face	VERB
fsr-4009	29	14	different	different	ADJ
fsr-4009	29	15	social	social	ADJ
fsr-4009	29	16	and	and	CCONJ
fsr-4009	29	17	economic	economic	ADJ
fsr-4009	29	18	conditions	condition	NOUN
fsr-4009	29	19	,	,	PUNCT
fsr-4009	29	20	both	both	CCONJ
fsr-4009	29	21	within	within	ADP
fsr-4009	29	22	and	and	CCONJ
fsr-4009	29	23	outside	outside	ADP
fsr-4009	29	24	the	the	DET
fsr-4009	29	25	household	household	NOUN
fsr-4009	29	26	,	,	PUNCT
fsr-4009	29	27	which	which	PRON
fsr-4009	29	28	may	may	AUX
fsr-4009	29	29	lead	lead	VERB
fsr-4009	29	30	to	to	ADP
fsr-4009	29	31	differing	differ	VERB
fsr-4009	29	32	participation	participation	NOUN
fsr-4009	29	33	in	in	ADP
fsr-4009	29	34	retirement	retirement	NOUN
fsr-4009	29	35	-	-	PUNCT
fsr-4009	29	36	savings	saving	NOUN
fsr-4009	29	37	plans	plan	NOUN
fsr-4009	29	38	(	(	PUNCT
fsr-4009	29	39	clark	clark	PROPN
fsr-4009	29	40	&	&	CCONJ
fsr-4009	29	41	strauss	strauss	PROPN
fsr-4009	29	42	,	,	PUNCT
fsr-4009	29	43	2012	2012	NUM
fsr-4009	29	44	)	)	PUNCT
fsr-4009	29	45	.	.	PUNCT
fsr-4009	30	1	one	one	NUM
fsr-4009	30	2	of	of	ADP
fsr-4009	30	3	these	these	PRON
fsr-4009	30	4	is	be	AUX
fsr-4009	30	5	labor	labor	NOUN
fsr-4009	30	6	force	force	NOUN
fsr-4009	30	7	participation	participation	NOUN
fsr-4009	30	8	.	.	PUNCT
fsr-4009	31	1	according	accord	VERB
fsr-4009	31	2	to	to	ADP
fsr-4009	31	3	2018	2018	NUM
fsr-4009	31	4	world	world	PROPN
fsr-4009	31	5	bank	bank	PROPN
fsr-4009	31	6	data	data	PROPN
fsr-4009	31	7	,	,	PUNCT
fsr-4009	31	8	gender	gender	NOUN
fsr-4009	31	9	gaps	gap	NOUN
fsr-4009	31	10	in	in	ADP
fsr-4009	31	11	education	education	NOUN
fsr-4009	31	12	,	,	PUNCT
fsr-4009	31	13	discrimination	discrimination	NOUN
fsr-4009	31	14	,	,	PUNCT
fsr-4009	31	15	and	and	CCONJ
fsr-4009	31	16	social	social	ADJ
fsr-4009	31	17	norms	norm	NOUN
fsr-4009	31	18	shape	shape	NOUN
fsr-4009	31	19	women	woman	NOUN
fsr-4009	31	20	’s	’s	PART
fsr-4009	31	21	labor	labor	NOUN
fsr-4009	31	22	force	force	NOUN
fsr-4009	31	23	participation	participation	NOUN
fsr-4009	31	24	decisions	decision	NOUN
fsr-4009	31	25	.	.	PUNCT
fsr-4009	32	1	they	they	PRON
fsr-4009	32	2	are	be	AUX
fsr-4009	32	3	less	less	ADV
fsr-4009	32	4	likely	likely	ADJ
fsr-4009	32	5	to	to	PART
fsr-4009	32	6	join	join	VERB
fsr-4009	32	7	the	the	DET
fsr-4009	32	8	labor	labor	NOUN
fsr-4009	32	9	force	force	NOUN
fsr-4009	32	10	and	and	CCONJ
fsr-4009	32	11	work	work	VERB
fsr-4009	32	12	for	for	ADP
fsr-4009	32	13	pay	pay	NOUN
fsr-4009	32	14	than	than	ADP
fsr-4009	32	15	men	man	NOUN
fsr-4009	32	16	and	and	CCONJ
fsr-4009	32	17	thus	thus	ADV
fsr-4009	32	18	less	less	ADV
fsr-4009	32	19	likely	likely	ADJ
fsr-4009	32	20	able	able	ADJ
fsr-4009	32	21	to	to	PART
fsr-4009	32	22	access	access	VERB
fsr-4009	32	23	employersponsored	employersponsored	ADJ
fsr-4009	32	24	plans	plan	NOUN
fsr-4009	32	25	.	.	PUNCT
fsr-4009	33	1	they	they	PRON
fsr-4009	33	2	are	be	AUX
fsr-4009	33	3	more	more	ADV
fsr-4009	33	4	likely	likely	ADJ
fsr-4009	33	5	to	to	PART
fsr-4009	33	6	work	work	VERB
fsr-4009	33	7	part	part	ADJ
fsr-4009	33	8	-	-	PUNCT
fsr-4009	33	9	time	time	NOUN
fsr-4009	33	10	,	,	PUNCT
fsr-4009	33	11	in	in	ADP
fsr-4009	33	12	the	the	DET
fsr-4009	33	13	informal	informal	ADJ
fsr-4009	33	14	sector	sector	NOUN
fsr-4009	33	15	,	,	PUNCT
fsr-4009	33	16	or	or	CCONJ
fsr-4009	33	17	lower	low	ADJ
fsr-4009	33	18	-	-	PUNCT
fsr-4009	33	19	income	income	NOUN
fsr-4009	33	20	occupations	occupation	NOUN
fsr-4009	33	21	.	.	PUNCT
fsr-4009	34	1	the	the	DET
fsr-4009	34	2	gender	gender	NOUN
fsr-4009	34	3	gap	gap	NOUN
fsr-4009	34	4	in	in	ADP
fsr-4009	34	5	earnings	earning	NOUN
fsr-4009	34	6	directly	directly	ADV
fsr-4009	34	7	impacts	impact	VERB
fsr-4009	34	8	women	woman	NOUN
fsr-4009	34	9	's	's	PART
fsr-4009	34	10	ability	ability	NOUN
fsr-4009	34	11	to	to	PART
fsr-4009	34	12	save	save	VERB
fsr-4009	34	13	for	for	ADP
fsr-4009	34	14	retirement	retirement	NOUN
fsr-4009	34	15	as	as	ADP
fsr-4009	34	16	lower	low	ADJ
fsr-4009	34	17	earnings	earning	NOUN
fsr-4009	34	18	result	result	NOUN
fsr-4009	34	19	in	in	ADP
fsr-4009	34	20	reduced	reduced	ADJ
fsr-4009	34	21	income	income	NOUN
fsr-4009	34	22	available	available	ADJ
fsr-4009	34	23	to	to	PART
fsr-4009	34	24	save	save	VERB
fsr-4009	34	25	.	.	PUNCT
fsr-4009	35	1	beyond	beyond	ADP
fsr-4009	35	2	labor	labor	NOUN
fsr-4009	35	3	market	market	NOUN
fsr-4009	35	4	factors	factor	NOUN
fsr-4009	35	5	,	,	PUNCT
fsr-4009	35	6	financial	financial	ADJ
fsr-4009	35	7	knowledge	knowledge	NOUN
fsr-4009	35	8	is	be	AUX
fsr-4009	35	9	one	one	NUM
fsr-4009	35	10	of	of	ADP
fsr-4009	35	11	the	the	DET
fsr-4009	35	12	most	most	ADV
fsr-4009	35	13	important	important	ADJ
fsr-4009	35	14	factors	factor	NOUN
fsr-4009	35	15	that	that	PRON
fsr-4009	35	16	influence	influence	VERB
fsr-4009	35	17	how	how	SCONJ
fsr-4009	35	18	individuals	individual	NOUN
fsr-4009	35	19	make	make	VERB
fsr-4009	35	20	their	their	PRON
fsr-4009	35	21	financial	financial	ADJ
fsr-4009	35	22	decisions	decision	NOUN
fsr-4009	35	23	,	,	PUNCT
fsr-4009	35	24	especially	especially	ADV
fsr-4009	35	25	when	when	SCONJ
fsr-4009	35	26	it	it	PRON
fsr-4009	35	27	comes	come	VERB
fsr-4009	35	28	to	to	ADP
fsr-4009	35	29	saving	save	VERB
fsr-4009	35	30	for	for	ADP
fsr-4009	35	31	retirement	retirement	NOUN
fsr-4009	35	32	.	.	PUNCT
fsr-4009	36	1	prior	prior	ADJ
fsr-4009	36	2	studies	study	NOUN
fsr-4009	36	3	find	find	VERB
fsr-4009	36	4	that	that	SCONJ
fsr-4009	36	5	individuals	individual	NOUN
fsr-4009	36	6	with	with	ADP
fsr-4009	36	7	a	a	DET
fsr-4009	36	8	higher	high	ADJ
fsr-4009	36	9	level	level	NOUN
fsr-4009	36	10	of	of	ADP
fsr-4009	36	11	financial	financial	ADJ
fsr-4009	36	12	knowledge	knowledge	NOUN
fsr-4009	36	13	are	be	AUX
fsr-4009	36	14	more	more	ADV
fsr-4009	36	15	likely	likely	ADJ
fsr-4009	36	16	to	to	PART
fsr-4009	36	17	plan	plan	VERB
fsr-4009	36	18	for	for	ADP
fsr-4009	36	19	retirement	retirement	NOUN
fsr-4009	36	20	(	(	PUNCT
fsr-4009	36	21	lusardi	lusardi	PROPN
fsr-4009	36	22	&	&	CCONJ
fsr-4009	36	23	mitchell	mitchell	PROPN
fsr-4009	36	24	,	,	PUNCT
fsr-4009	36	25	2011	2011	NUM
fsr-4009	36	26	)	)	PUNCT
fsr-4009	36	27	.	.	PUNCT
fsr-4009	37	1	however	however	ADV
fsr-4009	37	2	,	,	PUNCT
fsr-4009	37	3	research	research	NOUN
fsr-4009	37	4	also	also	ADV
fsr-4009	37	5	shows	show	VERB
fsr-4009	37	6	that	that	SCONJ
fsr-4009	37	7	women	woman	NOUN
fsr-4009	37	8	tend	tend	VERB
fsr-4009	37	9	to	to	PART
fsr-4009	37	10	have	have	VERB
fsr-4009	37	11	lower	low	ADJ
fsr-4009	37	12	levels	level	NOUN
fsr-4009	37	13	of	of	ADP
fsr-4009	37	14	financial	financial	ADJ
fsr-4009	37	15	literacy	literacy	NOUN
fsr-4009	37	16	than	than	ADP
fsr-4009	37	17	men	man	NOUN
fsr-4009	37	18	,	,	PUNCT
fsr-4009	37	19	which	which	PRON
fsr-4009	37	20	may	may	AUX
fsr-4009	37	21	contribute	contribute	VERB
fsr-4009	37	22	to	to	ADP
fsr-4009	37	23	the	the	DET
fsr-4009	37	24	gender	gender	NOUN
fsr-4009	37	25	gap	gap	NOUN
fsr-4009	37	26	in	in	ADP
fsr-4009	37	27	retirement	retirement	NOUN
fsr-4009	37	28	preparedness	preparedness	NOUN
fsr-4009	37	29	(	(	PUNCT
fsr-4009	37	30	anderson	anderson	PROPN
fsr-4009	37	31	&	&	CCONJ
fsr-4009	37	32	collins	collins	PROPN
fsr-4009	37	33	,	,	PUNCT
fsr-4009	37	34	2017	2017	NUM
fsr-4009	37	35	)	)	PUNCT
fsr-4009	37	36	.	.	PUNCT
fsr-4009	38	1	therefore	therefore	ADV
fsr-4009	38	2	,	,	PUNCT
fsr-4009	38	3	this	this	DET
fsr-4009	38	4	study	study	NOUN
fsr-4009	38	5	places	place	VERB
fsr-4009	38	6	a	a	DET
fsr-4009	38	7	special	special	ADJ
fsr-4009	38	8	emphasis	emphasis	NOUN
fsr-4009	38	9	on	on	ADP
fsr-4009	38	10	financial	financial	ADJ
fsr-4009	38	11	literacy	literacy	NOUN
fsr-4009	38	12	as	as	ADP
fsr-4009	38	13	a	a	DET
fsr-4009	38	14	key	key	ADJ
fsr-4009	38	15	factor	factor	NOUN
fsr-4009	38	16	when	when	SCONJ
fsr-4009	38	17	examining	examine	VERB
fsr-4009	38	18	gender	gender	NOUN
fsr-4009	38	19	gaps	gap	NOUN
fsr-4009	38	20	in	in	ADP
fsr-4009	38	21	retirement	retirement	NOUN
fsr-4009	38	22	plan	plan	NOUN
fsr-4009	38	23	participation	participation	NOUN
fsr-4009	38	24	.	.	PUNCT
fsr-4009	39	1	other	other	ADJ
fsr-4009	39	2	reasons	reason	NOUN
fsr-4009	39	3	women	woman	NOUN
fsr-4009	39	4	are	be	AUX
fsr-4009	39	5	less	less	ADV
fsr-4009	39	6	prepared	prepared	ADJ
fsr-4009	39	7	for	for	ADP
fsr-4009	39	8	retirement	retirement	NOUN
fsr-4009	39	9	that	that	PRON
fsr-4009	39	10	are	be	AUX
fsr-4009	39	11	suggested	suggest	VERB
fsr-4009	39	12	by	by	ADP
fsr-4009	39	13	prior	prior	ADJ
fsr-4009	39	14	research	research	NOUN
fsr-4009	39	15	point	point	NOUN
fsr-4009	39	16	to	to	ADP
fsr-4009	39	17	their	their	PRON
fsr-4009	39	18	unpaid	unpaid	ADJ
fsr-4009	39	19	caregiving	caregiving	NOUN
fsr-4009	39	20	,	,	PUNCT
fsr-4009	39	21	risk	risk	NOUN
fsr-4009	39	22	tolerance	tolerance	NOUN
fsr-4009	39	23	,	,	PUNCT
fsr-4009	39	24	investment	investment	NOUN
fsr-4009	39	25	choices	choice	NOUN
fsr-4009	39	26	,	,	PUNCT
fsr-4009	39	27	saving	save	VERB
fsr-4009	39	28	behavior	behavior	NOUN
fsr-4009	39	29	,	,	PUNCT
fsr-4009	39	30	earnings	earning	NOUN
fsr-4009	39	31	,	,	PUNCT
fsr-4009	39	32	information	information	NOUN
fsr-4009	39	33	sources	source	NOUN
fsr-4009	39	34	,	,	PUNCT
fsr-4009	39	35	and	and	CCONJ
fsr-4009	39	36	education	education	NOUN
fsr-4009	39	37	(	(	PUNCT
fsr-4009	39	38	bajtelsmit	bajtelsmit	NOUN
fsr-4009	39	39	&	&	CCONJ
fsr-4009	39	40	bernasek	bernasek	PROPN
fsr-4009	39	41	,	,	PUNCT
fsr-4009	39	42	1996	1996	NUM
fsr-4009	39	43	;	;	PUNCT
fsr-4009	39	44	feng	feng	PROPN
fsr-4009	39	45	et	et	PROPN
fsr-4009	39	46	al	al	PROPN
fsr-4009	39	47	.	.	PROPN
fsr-4009	39	48	,	,	PUNCT
fsr-4009	39	49	2019	2019	NUM
fsr-4009	39	50	;	;	PUNCT
fsr-4009	39	51	weller	weller	PROPN
fsr-4009	39	52	&	&	CCONJ
fsr-4009	39	53	tolson	tolson	PROPN
fsr-4009	39	54	,	,	PUNCT
fsr-4009	39	55	2017	2017	NUM
fsr-4009	39	56	;	;	PUNCT
fsr-4009	39	57	zhao	zhao	PROPN
fsr-4009	39	58	&	&	CCONJ
fsr-4009	39	59	zhao	zhao	PROPN
fsr-4009	39	60	,	,	PUNCT
fsr-4009	39	61	2018	2018	NUM
fsr-4009	39	62	)	)	PUNCT
fsr-4009	39	63	.	.	PUNCT
fsr-4009	40	1	beyond	beyond	ADP
fsr-4009	40	2	these	these	DET
fsr-4009	40	3	observable	observable	ADJ
fsr-4009	40	4	factors	factor	NOUN
fsr-4009	40	5	,	,	PUNCT
fsr-4009	40	6	there	there	PRON
fsr-4009	40	7	may	may	AUX
fsr-4009	40	8	also	also	ADV
fsr-4009	40	9	be	be	AUX
fsr-4009	40	10	an	an	DET
fsr-4009	40	11	unexplained	unexplained	ADJ
fsr-4009	40	12	gap	gap	NOUN
fsr-4009	40	13	in	in	ADP
fsr-4009	40	14	retirement	retirement	NOUN
fsr-4009	40	15	savings	saving	NOUN
fsr-4009	40	16	decisions	decision	NOUN
fsr-4009	40	17	that	that	PRON
fsr-4009	40	18	may	may	AUX
fsr-4009	40	19	be	be	AUX
fsr-4009	40	20	due	due	ADJ
fsr-4009	40	21	to	to	ADP
fsr-4009	40	22	unmeasured	unmeasured	ADJ
fsr-4009	40	23	characteristics	characteristic	NOUN
fsr-4009	40	24	that	that	PRON
fsr-4009	40	25	are	be	AUX
fsr-4009	40	26	correlated	correlate	VERB
fsr-4009	40	27	with	with	ADP
fsr-4009	40	28	measured	measured	ADJ
fsr-4009	40	29	ones	one	NOUN
fsr-4009	40	30	.	.	PUNCT
fsr-4009	41	1	to	to	PART
fsr-4009	41	2	investigate	investigate	VERB
fsr-4009	41	3	this	this	PRON
fsr-4009	41	4	,	,	PUNCT
fsr-4009	41	5	the	the	DET
fsr-4009	41	6	current	current	ADJ
fsr-4009	41	7	study	study	NOUN
fsr-4009	41	8	uses	use	VERB
fsr-4009	41	9	the	the	DET
fsr-4009	41	10	oaxaca	oaxaca	PROPN
fsr-4009	41	11	decomposition	decomposition	NOUN
fsr-4009	41	12	method	method	NOUN
fsr-4009	41	13	,	,	PUNCT
fsr-4009	41	14	a	a	DET
fsr-4009	41	15	widely	widely	ADV
fsr-4009	41	16	accepted	accept	VERB
fsr-4009	41	17	approach	approach	NOUN
fsr-4009	41	18	for	for	ADP
fsr-4009	41	19	identifying	identify	VERB
fsr-4009	41	20	separately	separately	ADV
fsr-4009	41	21	the	the	DET
fsr-4009	41	22	explained	explain	VERB
fsr-4009	41	23	and	and	CCONJ
fsr-4009	41	24	unexplained	unexplained	ADJ
fsr-4009	41	25	sources	source	NOUN
fsr-4009	41	26	of	of	ADP
fsr-4009	41	27	differences	difference	NOUN
fsr-4009	41	28	in	in	ADP
fsr-4009	41	29	outcomes	outcome	NOUN
fsr-4009	41	30	.	.	PUNCT
fsr-4009	42	1	this	this	DET
fsr-4009	42	2	technique	technique	NOUN
fsr-4009	42	3	has	have	AUX
fsr-4009	42	4	previously	previously	ADV
fsr-4009	42	5	been	be	AUX
fsr-4009	42	6	used	use	VERB
fsr-4009	42	7	in	in	ADP
fsr-4009	42	8	many	many	ADJ
fsr-4009	42	9	research	research	NOUN
fsr-4009	42	10	studies	study	NOUN
fsr-4009	42	11	to	to	PART
fsr-4009	42	12	investigate	investigate	VERB
fsr-4009	42	13	the	the	DET
fsr-4009	42	14	gender	gender	NOUN
fsr-4009	42	15	pay	pay	NOUN
fsr-4009	42	16	gap	gap	NOUN
fsr-4009	42	17	and	and	CCONJ
fsr-4009	42	18	discrimination	discrimination	NOUN
fsr-4009	42	19	(	(	PUNCT
fsr-4009	42	20	anspal	anspal	NOUN
fsr-4009	42	21	,	,	PUNCT
fsr-4009	42	22	2015	2015	NUM
fsr-4009	42	23	)	)	PUNCT
fsr-4009	42	24	.	.	PUNCT
fsr-4009	43	1	this	this	DET
fsr-4009	43	2	study	study	NOUN
fsr-4009	43	3	uses	use	VERB
fsr-4009	43	4	this	this	DET
fsr-4009	43	5	method	method	NOUN
fsr-4009	43	6	to	to	PART
fsr-4009	43	7	examine	examine	VERB
fsr-4009	43	8	how	how	SCONJ
fsr-4009	43	9	measured	measured	ADJ
fsr-4009	43	10	characteristics	characteristic	NOUN
fsr-4009	43	11	such	such	ADJ
fsr-4009	43	12	as	as	ADP
fsr-4009	43	13	financial	financial	ADJ
fsr-4009	43	14	literacy	literacy	NOUN
fsr-4009	43	15	are	be	AUX
fsr-4009	43	16	related	relate	VERB
fsr-4009	43	17	to	to	PART
fsr-4009	43	18	plan	plan	VERB
fsr-4009	43	19	participation	participation	NOUN
fsr-4009	43	20	,	,	PUNCT
fsr-4009	43	21	that	that	ADV
fsr-4009	43	22	is	is	ADV
fsr-4009	43	23	,	,	PUNCT
fsr-4009	43	24	how	how	SCONJ
fsr-4009	43	25	differences	difference	NOUN
fsr-4009	43	26	in	in	ADP
fsr-4009	43	27	the	the	DET
fsr-4009	43	28	level	level	NOUN
fsr-4009	43	29	of	of	ADP
fsr-4009	43	30	financial	financial	ADJ
fsr-4009	43	31	literacy	literacy	NOUN
fsr-4009	43	32	between	between	ADP
fsr-4009	43	33	men	man	NOUN
fsr-4009	43	34	and	and	CCONJ
fsr-4009	43	35	women	woman	NOUN
fsr-4009	43	36	(	(	PUNCT
fsr-4009	43	37	the	the	DET
fsr-4009	43	38	explained	explain	VERB
fsr-4009	43	39	portion	portion	NOUN
fsr-4009	43	40	)	)	PUNCT
fsr-4009	43	41	lead	lead	VERB
fsr-4009	43	42	to	to	ADP
fsr-4009	43	43	differences	difference	NOUN
fsr-4009	43	44	in	in	ADP
fsr-4009	43	45	participation	participation	NOUN
fsr-4009	43	46	,	,	PUNCT
fsr-4009	43	47	all	all	PRON
fsr-4009	43	48	else	else	ADV
fsr-4009	43	49	equal	equal	ADJ
fsr-4009	43	50	,	,	PUNCT
fsr-4009	43	51	and	and	CCONJ
fsr-4009	43	52	how	how	SCONJ
fsr-4009	43	53	differences	difference	NOUN
fsr-4009	43	54	in	in	ADP
fsr-4009	43	55	the	the	DET
fsr-4009	43	56	return	return	NOUN
fsr-4009	43	57	to	to	ADP
fsr-4009	43	58	financial	financial	ADJ
fsr-4009	43	59	literacy	literacy	NOUN
fsr-4009	43	60	(	(	PUNCT
fsr-4009	43	61	the	the	DET
fsr-4009	43	62	unexplained	unexplained	ADJ
fsr-4009	43	63	portion	portion	NOUN
fsr-4009	43	64	—	—	PUNCT
fsr-4009	43	65	due	due	ADP
fsr-4009	43	66	to	to	ADP
fsr-4009	43	67	differences	difference	NOUN
fsr-4009	43	68	in	in	ADP
fsr-4009	43	69	regression	regression	NOUN
fsr-4009	43	70	coefficients	coefficient	NOUN
fsr-4009	43	71	)	)	PUNCT
fsr-4009	43	72	lead	lead	VERB
fsr-4009	43	73	to	to	ADP
fsr-4009	43	74	differences	difference	NOUN
fsr-4009	43	75	in	in	ADP
fsr-4009	43	76	participation	participation	NOUN
fsr-4009	43	77	.	.	PUNCT
fsr-4009	44	1	other	other	ADJ
fsr-4009	44	2	demographic	demographic	ADJ
fsr-4009	44	3	financial	financial	ADJ
fsr-4009	44	4	services	service	NOUN
fsr-4009	44	5	review	review	NOUN
fsr-4009	44	6	,	,	PUNCT
fsr-4009	44	7	33(2	33(2	NUM
fsr-4009	44	8	)	)	PUNCT
fsr-4009	44	9	146	146	NUM
fsr-4009	44	10	characteristics	characteristic	NOUN
fsr-4009	44	11	that	that	PRON
fsr-4009	44	12	are	be	AUX
fsr-4009	44	13	examined	examine	VERB
fsr-4009	44	14	include	include	VERB
fsr-4009	44	15	age	age	NOUN
fsr-4009	44	16	,	,	PUNCT
fsr-4009	44	17	level	level	NOUN
fsr-4009	44	18	of	of	ADP
fsr-4009	44	19	education	education	NOUN
fsr-4009	44	20	,	,	PUNCT
fsr-4009	44	21	race	race	NOUN
fsr-4009	44	22	,	,	PUNCT
fsr-4009	44	23	home	home	NOUN
fsr-4009	44	24	ownership	ownership	NOUN
fsr-4009	44	25	,	,	PUNCT
fsr-4009	44	26	income	income	NOUN
fsr-4009	44	27	,	,	PUNCT
fsr-4009	44	28	and	and	CCONJ
fsr-4009	44	29	risk	risk	NOUN
fsr-4009	44	30	tolerance	tolerance	NOUN
fsr-4009	44	31	.	.	PUNCT
fsr-4009	45	1	thus	thus	ADV
fsr-4009	45	2	,	,	PUNCT
fsr-4009	45	3	the	the	DET
fsr-4009	45	4	following	follow	VERB
fsr-4009	45	5	research	research	NOUN
fsr-4009	45	6	questions	question	NOUN
fsr-4009	45	7	are	be	AUX
fsr-4009	45	8	addressed	address	VERB
fsr-4009	45	9	:	:	PUNCT
fsr-4009	45	10	(	(	PUNCT
fsr-4009	45	11	1	1	X
fsr-4009	45	12	)	)	PUNCT
fsr-4009	45	13	what	what	DET
fsr-4009	45	14	factors	factor	NOUN
fsr-4009	45	15	explain	explain	VERB
fsr-4009	45	16	the	the	DET
fsr-4009	45	17	gender	gender	NOUN
fsr-4009	45	18	gap	gap	NOUN
fsr-4009	45	19	in	in	ADP
fsr-4009	45	20	retirement	retirement	NOUN
fsr-4009	45	21	plan	plan	NOUN
fsr-4009	45	22	participation	participation	NOUN
fsr-4009	45	23	among	among	ADP
fsr-4009	45	24	single	single	ADJ
fsr-4009	45	25	,	,	PUNCT
fsr-4009	45	26	employed	employ	VERB
fsr-4009	45	27	individuals	individual	NOUN
fsr-4009	45	28	?	?	PUNCT
fsr-4009	46	1	(	(	PUNCT
fsr-4009	46	2	2	2	X
fsr-4009	46	3	)	)	PUNCT
fsr-4009	46	4	how	how	SCONJ
fsr-4009	46	5	do	do	AUX
fsr-4009	46	6	financial	financial	ADJ
fsr-4009	46	7	literacy	literacy	NOUN
fsr-4009	46	8	and	and	CCONJ
fsr-4009	46	9	other	other	ADJ
fsr-4009	46	10	variables	variable	NOUN
fsr-4009	46	11	contribute	contribute	VERB
fsr-4009	46	12	to	to	ADP
fsr-4009	46	13	the	the	DET
fsr-4009	46	14	explained	explain	VERB
fsr-4009	46	15	and	and	CCONJ
fsr-4009	46	16	unexplained	unexplained	ADJ
fsr-4009	46	17	portions	portion	NOUN
fsr-4009	46	18	of	of	ADP
fsr-4009	46	19	this	this	DET
fsr-4009	46	20	gap	gap	NOUN
fsr-4009	46	21	?	?	PUNCT
fsr-4009	47	1	the	the	DET
fsr-4009	47	2	analysis	analysis	NOUN
fsr-4009	47	3	sample	sample	NOUN
fsr-4009	47	4	is	be	AUX
fsr-4009	47	5	made	make	VERB
fsr-4009	47	6	up	up	ADP
fsr-4009	47	7	of	of	ADP
fsr-4009	47	8	single	single	ADJ
fsr-4009	47	9	,	,	PUNCT
fsr-4009	47	10	employed	employ	VERB
fsr-4009	47	11	individuals	individual	NOUN
fsr-4009	47	12	,	,	PUNCT
fsr-4009	47	13	a	a	DET
fsr-4009	47	14	group	group	NOUN
fsr-4009	47	15	that	that	PRON
fsr-4009	47	16	has	have	AUX
fsr-4009	47	17	n’t	not	PART
fsr-4009	47	18	been	be	AUX
fsr-4009	47	19	studied	study	VERB
fsr-4009	47	20	much	much	ADV
fsr-4009	47	21	previously	previously	ADV
fsr-4009	47	22	.	.	PUNCT
fsr-4009	48	1	however	however	ADV
fsr-4009	48	2	,	,	PUNCT
fsr-4009	48	3	it	it	PRON
fsr-4009	48	4	is	be	AUX
fsr-4009	48	5	important	important	ADJ
fsr-4009	48	6	to	to	PART
fsr-4009	48	7	study	study	VERB
fsr-4009	48	8	this	this	DET
fsr-4009	48	9	group	group	NOUN
fsr-4009	48	10	because	because	SCONJ
fsr-4009	48	11	they	they	PRON
fsr-4009	48	12	alone	alone	ADV
fsr-4009	48	13	are	be	AUX
fsr-4009	48	14	responsible	responsible	ADJ
fsr-4009	48	15	for	for	ADP
fsr-4009	48	16	their	their	PRON
fsr-4009	48	17	own	own	ADJ
fsr-4009	48	18	retirement	retirement	NOUN
fsr-4009	48	19	savings	saving	NOUN
fsr-4009	48	20	.	.	PUNCT
fsr-4009	49	1	studying	study	VERB
fsr-4009	49	2	the	the	DET
fsr-4009	49	3	behavior	behavior	NOUN
fsr-4009	49	4	of	of	ADP
fsr-4009	49	5	single	single	ADJ
fsr-4009	49	6	individuals	individual	NOUN
fsr-4009	49	7	to	to	PART
fsr-4009	49	8	learn	learn	VERB
fsr-4009	49	9	more	more	ADJ
fsr-4009	49	10	about	about	ADP
fsr-4009	49	11	what	what	PRON
fsr-4009	49	12	influences	influence	VERB
fsr-4009	49	13	their	their	PRON
fsr-4009	49	14	retirement	retirement	NOUN
fsr-4009	49	15	plan	plan	NOUN
fsr-4009	49	16	participation	participation	NOUN
fsr-4009	49	17	will	will	AUX
fsr-4009	49	18	help	help	VERB
fsr-4009	49	19	financial	financial	ADJ
fsr-4009	49	20	planners	planner	NOUN
fsr-4009	49	21	understand	understand	VERB
fsr-4009	49	22	how	how	SCONJ
fsr-4009	49	23	to	to	PART
fsr-4009	49	24	better	well	ADV
fsr-4009	49	25	support	support	VERB
fsr-4009	49	26	single	single	ADJ
fsr-4009	49	27	individuals	individual	NOUN
fsr-4009	49	28	with	with	ADP
fsr-4009	49	29	their	their	PRON
fsr-4009	49	30	retirement	retirement	NOUN
fsr-4009	49	31	planning	planning	NOUN
fsr-4009	49	32	.	.	PUNCT
fsr-4009	50	1	the	the	DET
fsr-4009	50	2	results	result	NOUN
fsr-4009	50	3	show	show	VERB
fsr-4009	50	4	that	that	SCONJ
fsr-4009	50	5	single	single	ADJ
fsr-4009	50	6	women	woman	NOUN
fsr-4009	50	7	’s	’s	PART
fsr-4009	50	8	participation	participation	NOUN
fsr-4009	50	9	in	in	ADP
fsr-4009	50	10	employer	employer	NOUN
fsr-4009	50	11	-	-	PUNCT
fsr-4009	50	12	sponsored	sponsor	VERB
fsr-4009	50	13	retirement	retirement	NOUN
fsr-4009	50	14	plans	plan	NOUN
fsr-4009	50	15	is	be	AUX
fsr-4009	50	16	slightly	slightly	ADV
fsr-4009	50	17	higher	high	ADJ
fsr-4009	50	18	(	(	PUNCT
fsr-4009	50	19	1.36	1.36	NUM
fsr-4009	50	20	percentage	percentage	NOUN
fsr-4009	50	21	points	point	NOUN
fsr-4009	50	22	)	)	PUNCT
fsr-4009	50	23	than	than	ADP
fsr-4009	50	24	male	male	ADJ
fsr-4009	50	25	worker	worker	NOUN
fsr-4009	50	26	’s	’s	PART
fsr-4009	50	27	participation	participation	NOUN
fsr-4009	50	28	a	a	DET
fsr-4009	50	29	surprising	surprising	ADJ
fsr-4009	50	30	result	result	NOUN
fsr-4009	50	31	as	as	SCONJ
fsr-4009	50	32	it	it	PRON
fsr-4009	50	33	is	be	AUX
fsr-4009	50	34	different	different	ADJ
fsr-4009	50	35	from	from	ADP
fsr-4009	50	36	what	what	PRON
fsr-4009	50	37	is	be	AUX
fsr-4009	50	38	found	find	VERB
fsr-4009	50	39	with	with	ADP
fsr-4009	50	40	an	an	DET
fsr-4009	50	41	all	all	ADV
fsr-4009	50	42	-	-	PUNCT
fsr-4009	50	43	female	female	ADJ
fsr-4009	50	44	-	-	PUNCT
fsr-4009	50	45	worker	worker	NOUN
fsr-4009	50	46	sample	sample	NOUN
fsr-4009	50	47	(	(	PUNCT
fsr-4009	50	48	bls	bls	PROPN
fsr-4009	50	49	2020	2020	NUM
fsr-4009	50	50	)	)	PUNCT
fsr-4009	50	51	.	.	PUNCT
fsr-4009	51	1	objective	objective	ADJ
fsr-4009	51	2	financial	financial	ADJ
fsr-4009	51	3	knowledge	knowledge	NOUN
fsr-4009	51	4	,	,	PUNCT
fsr-4009	51	5	age	age	NOUN
fsr-4009	51	6	,	,	PUNCT
fsr-4009	51	7	income	income	NOUN
fsr-4009	51	8	,	,	PUNCT
fsr-4009	51	9	education	education	NOUN
fsr-4009	51	10	,	,	PUNCT
fsr-4009	51	11	homeownership	homeownership	NOUN
fsr-4009	51	12	,	,	PUNCT
fsr-4009	51	13	and	and	CCONJ
fsr-4009	51	14	risk	risk	NOUN
fsr-4009	51	15	tolerance	tolerance	NOUN
fsr-4009	51	16	are	be	AUX
fsr-4009	51	17	all	all	PRON
fsr-4009	51	18	associated	associate	VERB
fsr-4009	51	19	positively	positively	ADV
fsr-4009	51	20	with	with	ADP
fsr-4009	51	21	employer	employer	NOUN
fsr-4009	51	22	-	-	PUNCT
fsr-4009	51	23	sponsored	sponsor	VERB
fsr-4009	51	24	,	,	PUNCT
fsr-4009	51	25	retirement	retirement	NOUN
fsr-4009	51	26	-	-	PUNCT
fsr-4009	51	27	plan	plan	NOUN
fsr-4009	51	28	participation	participation	NOUN
fsr-4009	51	29	.	.	PUNCT
fsr-4009	52	1	literature	literature	NOUN
fsr-4009	52	2	review	review	VERB
fsr-4009	52	3	previous	previous	ADJ
fsr-4009	52	4	research	research	NOUN
fsr-4009	52	5	finds	find	VERB
fsr-4009	52	6	that	that	SCONJ
fsr-4009	52	7	women	woman	NOUN
fsr-4009	52	8	are	be	AUX
fsr-4009	52	9	less	less	ADV
fsr-4009	52	10	prepared	prepared	ADJ
fsr-4009	52	11	for	for	ADP
fsr-4009	52	12	retirement	retirement	NOUN
fsr-4009	52	13	than	than	ADP
fsr-4009	52	14	men	man	NOUN
fsr-4009	52	15	and	and	CCONJ
fsr-4009	52	16	finds	find	VERB
fsr-4009	52	17	that	that	PRON
fsr-4009	52	18	financial	financial	ADJ
fsr-4009	52	19	knowledge	knowledge	NOUN
fsr-4009	52	20	,	,	PUNCT
fsr-4009	52	21	unpaid	unpaid	ADJ
fsr-4009	52	22	caregiving	caregiving	NOUN
fsr-4009	52	23	,	,	PUNCT
fsr-4009	52	24	risk	risk	NOUN
fsr-4009	52	25	tolerance	tolerance	NOUN
fsr-4009	52	26	,	,	PUNCT
fsr-4009	52	27	investment	investment	NOUN
fsr-4009	52	28	choices	choice	NOUN
fsr-4009	52	29	,	,	PUNCT
fsr-4009	52	30	saving	save	VERB
fsr-4009	52	31	behavior	behavior	NOUN
fsr-4009	52	32	,	,	PUNCT
fsr-4009	52	33	labor	labor	NOUN
fsr-4009	52	34	force	force	NOUN
fsr-4009	52	35	participation	participation	NOUN
fsr-4009	52	36	,	,	PUNCT
fsr-4009	52	37	and	and	CCONJ
fsr-4009	52	38	information	information	NOUN
fsr-4009	52	39	sources	source	NOUN
fsr-4009	52	40	are	be	AUX
fsr-4009	52	41	potential	potential	ADJ
fsr-4009	52	42	reasons	reason	NOUN
fsr-4009	52	43	for	for	ADP
fsr-4009	52	44	women	woman	NOUN
fsr-4009	52	45	's	's	PART
fsr-4009	52	46	lack	lack	NOUN
fsr-4009	52	47	of	of	ADP
fsr-4009	52	48	retirement	retirement	NOUN
fsr-4009	52	49	preparedness	preparedness	NOUN
fsr-4009	52	50	(	(	PUNCT
fsr-4009	52	51	bajtelsmit	bajtelsmit	NOUN
fsr-4009	52	52	&	&	CCONJ
fsr-4009	52	53	bernasek	bernasek	PROPN
fsr-4009	52	54	,	,	PUNCT
fsr-4009	52	55	1996	1996	NUM
fsr-4009	52	56	;	;	PUNCT
fsr-4009	52	57	bajtelsmit	bajtelsmit	NOUN
fsr-4009	52	58	&	&	CCONJ
fsr-4009	52	59	van	van	PROPN
fsr-4009	52	60	derhei	derhei	PROPN
fsr-4009	52	61	,	,	PUNCT
fsr-4009	52	62	1997	1997	NUM
fsr-4009	52	63	;	;	PUNCT
fsr-4009	52	64	dietz	dietz	PROPN
fsr-4009	52	65	et	et	PROPN
fsr-4009	52	66	al	al	PROPN
fsr-4009	52	67	.	.	PROPN
fsr-4009	52	68	,	,	PUNCT
fsr-4009	52	69	2003	2003	NUM
fsr-4009	52	70	;	;	PUNCT
fsr-4009	52	71	huang	huang	PROPN
fsr-4009	52	72	&	&	CCONJ
fsr-4009	52	73	curtin	curtin	PROPN
fsr-4009	52	74	,	,	PUNCT
fsr-4009	52	75	2019	2019	NUM
fsr-4009	52	76	)	)	PUNCT
fsr-4009	52	77	.	.	PUNCT
fsr-4009	53	1	however	however	ADV
fsr-4009	53	2	,	,	PUNCT
fsr-4009	53	3	this	this	DET
fsr-4009	53	4	research	research	NOUN
fsr-4009	53	5	has	have	AUX
fsr-4009	53	6	not	not	PART
fsr-4009	53	7	focused	focus	VERB
fsr-4009	53	8	on	on	ADP
fsr-4009	53	9	single	single	ADJ
fsr-4009	53	10	individuals	individual	NOUN
fsr-4009	53	11	who	who	PRON
fsr-4009	53	12	,	,	PUNCT
fsr-4009	53	13	unlike	unlike	ADP
fsr-4009	53	14	married	married	ADJ
fsr-4009	53	15	individuals	individual	NOUN
fsr-4009	53	16	,	,	PUNCT
fsr-4009	53	17	bear	bear	VERB
fsr-4009	53	18	sole	sole	ADJ
fsr-4009	53	19	responsibility	responsibility	NOUN
fsr-4009	53	20	for	for	ADP
fsr-4009	53	21	their	their	PRON
fsr-4009	53	22	financial	financial	ADJ
fsr-4009	53	23	future	future	NOUN
fsr-4009	53	24	,	,	PUNCT
fsr-4009	53	25	and	and	CCONJ
fsr-4009	53	26	may	may	AUX
fsr-4009	53	27	behave	behave	VERB
fsr-4009	53	28	differently	differently	ADV
fsr-4009	53	29	from	from	ADP
fsr-4009	53	30	the	the	DET
fsr-4009	53	31	population	population	NOUN
fsr-4009	53	32	as	as	ADP
fsr-4009	53	33	a	a	DET
fsr-4009	53	34	whole	whole	NOUN
fsr-4009	53	35	.	.	PUNCT
fsr-4009	54	1	financial	financial	ADJ
fsr-4009	54	2	knowledge	knowledge	NOUN
fsr-4009	54	3	the	the	DET
fsr-4009	54	4	terms	term	NOUN
fsr-4009	54	5	financial	financial	ADJ
fsr-4009	54	6	literacy	literacy	NOUN
fsr-4009	54	7	and	and	CCONJ
fsr-4009	54	8	financial	financial	ADJ
fsr-4009	54	9	knowledge	knowledge	NOUN
fsr-4009	54	10	have	have	AUX
fsr-4009	54	11	often	often	ADV
fsr-4009	54	12	been	be	AUX
fsr-4009	54	13	used	use	VERB
fsr-4009	54	14	interchangeably	interchangeably	ADV
fsr-4009	54	15	in	in	ADP
fsr-4009	54	16	the	the	DET
fsr-4009	54	17	literature	literature	NOUN
fsr-4009	54	18	(	(	PUNCT
fsr-4009	54	19	huston	huston	PROPN
fsr-4009	54	20	,	,	PUNCT
fsr-4009	54	21	2010	2010	NUM
fsr-4009	54	22	)	)	PUNCT
fsr-4009	54	23	.	.	PUNCT
fsr-4009	55	1	some	some	DET
fsr-4009	55	2	researchers	researcher	NOUN
fsr-4009	55	3	examine	examine	VERB
fsr-4009	55	4	the	the	DET
fsr-4009	55	5	role	role	NOUN
fsr-4009	55	6	of	of	ADP
fsr-4009	55	7	financial	financial	ADJ
fsr-4009	55	8	knowledge	knowledge	NOUN
fsr-4009	55	9	in	in	ADP
fsr-4009	55	10	retirement	retirement	NOUN
fsr-4009	55	11	-	-	PUNCT
fsr-4009	55	12	savings	saving	NOUN
fsr-4009	55	13	decisions	decision	NOUN
fsr-4009	55	14	.	.	PUNCT
fsr-4009	56	1	anderson	anderson	PROPN
fsr-4009	56	2	and	and	CCONJ
fsr-4009	56	3	collins	collins	PROPN
fsr-4009	56	4	(	(	PUNCT
fsr-4009	56	5	2017	2017	NUM
fsr-4009	56	6	)	)	PUNCT
fsr-4009	56	7	find	find	VERB
fsr-4009	56	8	that	that	SCONJ
fsr-4009	56	9	men	man	NOUN
fsr-4009	56	10	possess	possess	VERB
fsr-4009	56	11	greater	great	ADJ
fsr-4009	56	12	financial	financial	ADJ
fsr-4009	56	13	knowledge	knowledge	NOUN
fsr-4009	56	14	than	than	ADP
fsr-4009	56	15	women	woman	NOUN
fsr-4009	56	16	,	,	PUNCT
fsr-4009	56	17	which	which	PRON
fsr-4009	56	18	contributes	contribute	VERB
fsr-4009	56	19	to	to	ADP
fsr-4009	56	20	the	the	DET
fsr-4009	56	21	observed	observed	ADJ
fsr-4009	56	22	gender	gender	NOUN
fsr-4009	56	23	gaps	gap	NOUN
fsr-4009	56	24	in	in	ADP
fsr-4009	56	25	retirement	retirement	NOUN
fsr-4009	56	26	savings	saving	NOUN
fsr-4009	56	27	.	.	PUNCT
fsr-4009	57	1	this	this	DET
fsr-4009	57	2	increased	increase	VERB
fsr-4009	57	3	financial	financial	ADJ
fsr-4009	57	4	knowledge	knowledge	NOUN
fsr-4009	57	5	allows	allow	VERB
fsr-4009	57	6	men	man	NOUN
fsr-4009	57	7	to	to	PART
fsr-4009	57	8	better	well	ADV
fsr-4009	57	9	understand	understand	VERB
fsr-4009	57	10	the	the	DET
fsr-4009	57	11	features	feature	NOUN
fsr-4009	57	12	and	and	CCONJ
fsr-4009	57	13	benefits	benefit	NOUN
fsr-4009	57	14	of	of	ADP
fsr-4009	57	15	employer	employer	NOUN
fsr-4009	57	16	-	-	PUNCT
fsr-4009	57	17	sponsored	sponsor	VERB
fsr-4009	57	18	retirement	retirement	NOUN
fsr-4009	57	19	plans	plan	NOUN
fsr-4009	57	20	,	,	PUNCT
fsr-4009	57	21	leading	lead	VERB
fsr-4009	57	22	to	to	ADP
fsr-4009	57	23	greater	great	ADJ
fsr-4009	57	24	confidence	confidence	NOUN
fsr-4009	57	25	and	and	CCONJ
fsr-4009	57	26	participation	participation	NOUN
fsr-4009	57	27	in	in	ADP
fsr-4009	57	28	these	these	DET
fsr-4009	57	29	plans	plan	NOUN
fsr-4009	57	30	.	.	PUNCT
fsr-4009	58	1	similarly	similarly	ADV
fsr-4009	58	2	,	,	PUNCT
fsr-4009	58	3	bucher	bucher	NOUN
fsr-4009	58	4	-	-	PUNCT
fsr-4009	58	5	koenen	koenen	NOUN
fsr-4009	58	6	et	et	PROPN
fsr-4009	58	7	al	al	PROPN
fsr-4009	58	8	.	.	PROPN
fsr-4009	59	1	(	(	PUNCT
fsr-4009	59	2	2017	2017	NUM
fsr-4009	59	3	)	)	PUNCT
fsr-4009	59	4	find	find	VERB
fsr-4009	59	5	that	that	SCONJ
fsr-4009	59	6	women	woman	NOUN
fsr-4009	59	7	are	be	AUX
fsr-4009	59	8	less	less	ADV
fsr-4009	59	9	likely	likely	ADJ
fsr-4009	59	10	than	than	SCONJ
fsr-4009	59	11	men	man	NOUN
fsr-4009	59	12	to	to	PART
fsr-4009	59	13	provide	provide	VERB
fsr-4009	59	14	correct	correct	ADJ
fsr-4009	59	15	answers	answer	NOUN
fsr-4009	59	16	to	to	ADP
fsr-4009	59	17	questions	question	NOUN
fsr-4009	59	18	about	about	ADP
fsr-4009	59	19	basic	basic	ADJ
fsr-4009	59	20	financial	financial	ADJ
fsr-4009	59	21	concepts	concept	NOUN
fsr-4009	59	22	and	and	CCONJ
fsr-4009	59	23	are	be	AUX
fsr-4009	59	24	more	more	ADV
fsr-4009	59	25	likely	likely	ADJ
fsr-4009	59	26	to	to	PART
fsr-4009	59	27	say	say	VERB
fsr-4009	59	28	that	that	SCONJ
fsr-4009	59	29	they	they	PRON
fsr-4009	59	30	do	do	AUX
fsr-4009	59	31	not	not	PART
fsr-4009	59	32	know	know	VERB
fsr-4009	59	33	the	the	DET
fsr-4009	59	34	answer	answer	NOUN
fsr-4009	59	35	.	.	PUNCT
fsr-4009	60	1	this	this	DET
fsr-4009	60	2	gender	gender	NOUN
fsr-4009	60	3	gap	gap	NOUN
fsr-4009	60	4	in	in	ADP
fsr-4009	60	5	financial	financial	ADJ
fsr-4009	60	6	literacy	literacy	NOUN
fsr-4009	60	7	is	be	AUX
fsr-4009	60	8	concerning	concern	VERB
fsr-4009	60	9	,	,	PUNCT
fsr-4009	60	10	especially	especially	ADV
fsr-4009	60	11	since	since	SCONJ
fsr-4009	60	12	women	woman	NOUN
fsr-4009	60	13	tend	tend	VERB
fsr-4009	60	14	to	to	PART
fsr-4009	60	15	live	live	VERB
fsr-4009	60	16	longer	long	ADV
fsr-4009	60	17	and	and	CCONJ
fsr-4009	60	18	are	be	AUX
fsr-4009	60	19	more	more	ADV
fsr-4009	60	20	likely	likely	ADJ
fsr-4009	60	21	to	to	PART
fsr-4009	60	22	experience	experience	VERB
fsr-4009	60	23	widowhood	widowhood	NOUN
fsr-4009	60	24	in	in	ADP
fsr-4009	60	25	retirement	retirement	NOUN
fsr-4009	60	26	(	(	PUNCT
fsr-4009	60	27	hsu	hsu	PROPN
fsr-4009	60	28	,	,	PUNCT
fsr-4009	60	29	2016	2016	NUM
fsr-4009	60	30	)	)	PUNCT
fsr-4009	60	31	.	.	PUNCT
fsr-4009	61	1	recent	recent	ADJ
fsr-4009	61	2	studies	study	NOUN
fsr-4009	61	3	such	such	ADJ
fsr-4009	61	4	as	as	ADP
fsr-4009	61	5	those	those	PRON
fsr-4009	61	6	by	by	ADP
fsr-4009	61	7	harahap	harahap	PROPN
fsr-4009	61	8	et	et	PROPN
fsr-4009	61	9	al	al	PROPN
fsr-4009	61	10	.	.	PROPN
fsr-4009	61	11	(	(	PUNCT
fsr-4009	61	12	2022	2022	NUM
fsr-4009	61	13	)	)	PUNCT
fsr-4009	61	14	,	,	PUNCT
fsr-4009	61	15	preston	preston	PROPN
fsr-4009	61	16	and	and	CCONJ
fsr-4009	61	17	wright	wright	PROPN
fsr-4009	61	18	(	(	PUNCT
fsr-4009	61	19	2023	2023	NUM
fsr-4009	61	20	)	)	PUNCT
fsr-4009	61	21	,	,	PUNCT
fsr-4009	61	22	and	and	CCONJ
fsr-4009	61	23	tomar	tomar	NOUN
fsr-4009	61	24	et	et	PROPN
fsr-4009	61	25	al	al	PROPN
fsr-4009	61	26	.	.	PROPN
fsr-4009	61	27	(	(	PUNCT
fsr-4009	61	28	2021	2021	NUM
fsr-4009	61	29	)	)	PUNCT
fsr-4009	61	30	,	,	PUNCT
fsr-4009	61	31	confirm	confirm	VERB
fsr-4009	61	32	that	that	SCONJ
fsr-4009	61	33	financial	financial	ADJ
fsr-4009	61	34	literacy	literacy	NOUN
fsr-4009	61	35	is	be	AUX
fsr-4009	61	36	a	a	DET
fsr-4009	61	37	strong	strong	ADJ
fsr-4009	61	38	predictor	predictor	NOUN
fsr-4009	61	39	of	of	ADP
fsr-4009	61	40	retirement	retirement	NOUN
fsr-4009	61	41	-	-	PUNCT
fsr-4009	61	42	planning	planning	NOUN
fsr-4009	61	43	behavior	behavior	NOUN
fsr-4009	61	44	and	and	CCONJ
fsr-4009	61	45	highlight	highlight	VERB
fsr-4009	61	46	the	the	DET
fsr-4009	61	47	importance	importance	NOUN
fsr-4009	61	48	of	of	ADP
fsr-4009	61	49	financial	financial	ADJ
fsr-4009	61	50	education	education	NOUN
fsr-4009	61	51	.	.	PUNCT
fsr-4009	62	1	unpaid	unpaid	ADJ
fsr-4009	62	2	caregiving	caregive	VERB
fsr-4009	62	3	analyzing	analyze	VERB
fsr-4009	62	4	data	datum	NOUN
fsr-4009	62	5	from	from	ADP
fsr-4009	62	6	the	the	DET
fsr-4009	62	7	survey	survey	NOUN
fsr-4009	62	8	of	of	ADP
fsr-4009	62	9	consumer	consumer	NOUN
fsr-4009	62	10	finances	finance	NOUN
fsr-4009	62	11	(	(	PUNCT
fsr-4009	62	12	scf	scf	PROPN
fsr-4009	62	13	)	)	PUNCT
fsr-4009	62	14	from	from	ADP
fsr-4009	62	15	1989	1989	NUM
fsr-4009	62	16	through	through	ADP
fsr-4009	62	17	2016	2016	NUM
fsr-4009	62	18	,	,	PUNCT
fsr-4009	62	19	weller	weller	NOUN
fsr-4009	62	20	and	and	CCONJ
fsr-4009	62	21	tolson	tolson	PROPN
fsr-4009	62	22	(	(	PUNCT
fsr-4009	62	23	2018	2018	NUM
fsr-4009	62	24	)	)	PUNCT
fsr-4009	62	25	investigate	investigate	VERB
fsr-4009	62	26	the	the	DET
fsr-4009	62	27	relationship	relationship	NOUN
fsr-4009	62	28	between	between	ADP
fsr-4009	62	29	unpaid	unpaid	ADJ
fsr-4009	62	30	caregiving	caregiving	NOUN
fsr-4009	62	31	and	and	CCONJ
fsr-4009	62	32	labor	labor	NOUN
fsr-4009	62	33	earnings	earning	NOUN
fsr-4009	62	34	stability	stability	NOUN
fsr-4009	62	35	and	and	CCONJ
fsr-4009	62	36	the	the	DET
fsr-4009	62	37	link	link	NOUN
fsr-4009	62	38	to	to	ADP
fsr-4009	62	39	retirement	retirement	NOUN
fsr-4009	62	40	savings	saving	NOUN
fsr-4009	62	41	.	.	PUNCT
fsr-4009	63	1	they	they	PRON
fsr-4009	63	2	find	find	VERB
fsr-4009	63	3	that	that	SCONJ
fsr-4009	63	4	unpaid	unpaid	ADJ
fsr-4009	63	5	caregiving	caregiving	NOUN
fsr-4009	63	6	can	can	AUX
fsr-4009	63	7	adversely	adversely	ADV
fsr-4009	63	8	affect	affect	VERB
fsr-4009	63	9	a	a	DET
fsr-4009	63	10	caregiver	caregiver	NOUN
fsr-4009	63	11	’s	’s	PART
fsr-4009	63	12	hours	hour	NOUN
fsr-4009	63	13	at	at	ADP
fsr-4009	63	14	work	work	NOUN
fsr-4009	63	15	,	,	PUNCT
fsr-4009	63	16	earnings	earning	NOUN
fsr-4009	63	17	,	,	PUNCT
fsr-4009	63	18	employment	employment	NOUN
fsr-4009	63	19	,	,	PUNCT
fsr-4009	63	20	and	and	CCONJ
fsr-4009	63	21	income	income	NOUN
fsr-4009	63	22	stability	stability	NOUN
fsr-4009	63	23	,	,	PUNCT
fsr-4009	63	24	negatively	negatively	ADV
fsr-4009	63	25	impacting	impact	VERB
fsr-4009	63	26	the	the	DET
fsr-4009	63	27	caregivers	caregiver	NOUN
fsr-4009	63	28	’	'	PUNCT
fsr-4009	63	29	savings	saving	NOUN
fsr-4009	63	30	.	.	PUNCT
fsr-4009	64	1	women	woman	NOUN
fsr-4009	64	2	are	be	AUX
fsr-4009	64	3	more	more	ADV
fsr-4009	64	4	likely	likely	ADJ
fsr-4009	64	5	to	to	PART
fsr-4009	64	6	experience	experience	VERB
fsr-4009	64	7	the	the	DET
fsr-4009	64	8	effects	effect	NOUN
fsr-4009	64	9	of	of	ADP
fsr-4009	64	10	caregiving	caregive	VERB
fsr-4009	64	11	than	than	ADP
fsr-4009	64	12	men	man	NOUN
fsr-4009	64	13	(	(	PUNCT
fsr-4009	64	14	lee	lee	PROPN
fsr-4009	64	15	&	&	CCONJ
fsr-4009	64	16	tang	tang	PROPN
fsr-4009	64	17	,	,	PUNCT
fsr-4009	64	18	2015	2015	NUM
fsr-4009	64	19	;	;	PUNCT
fsr-4009	64	20	reinhard	reinhard	PROPN
fsr-4009	64	21	et	et	PROPN
fsr-4009	64	22	al	al	PROPN
fsr-4009	64	23	.	.	PROPN
fsr-4009	64	24	,	,	PUNCT
fsr-4009	64	25	2012	2012	NUM
fsr-4009	64	26	)	)	PUNCT
fsr-4009	64	27	.	.	PUNCT
fsr-4009	65	1	these	these	DET
fsr-4009	65	2	disparities	disparity	NOUN
fsr-4009	65	3	are	be	AUX
fsr-4009	65	4	particularly	particularly	ADV
fsr-4009	65	5	significant	significant	ADJ
fsr-4009	65	6	for	for	ADP
fsr-4009	65	7	single	single	ADJ
fsr-4009	65	8	women	woman	NOUN
fsr-4009	65	9	who	who	PRON
fsr-4009	65	10	lack	lack	VERB
fsr-4009	65	11	the	the	DET
fsr-4009	65	12	support	support	NOUN
fsr-4009	65	13	of	of	ADP
fsr-4009	65	14	a	a	DET
fsr-4009	65	15	partner	partner	NOUN
fsr-4009	65	16	.	.	PUNCT
fsr-4009	66	1	while	while	SCONJ
fsr-4009	66	2	caregiving	caregiving	NOUN
fsr-4009	66	3	is	be	AUX
fsr-4009	66	4	not	not	PART
fsr-4009	66	5	directly	directly	ADV
fsr-4009	66	6	analyzed	analyze	VERB
fsr-4009	66	7	in	in	ADP
fsr-4009	66	8	this	this	DET
fsr-4009	66	9	study	study	NOUN
fsr-4009	66	10	due	due	ADP
fsr-4009	66	11	to	to	ADP
fsr-4009	66	12	data	datum	NOUN
fsr-4009	66	13	limitations	limitation	NOUN
fsr-4009	66	14	,	,	PUNCT
fsr-4009	66	15	it	it	PRON
fsr-4009	66	16	remains	remain	VERB
fsr-4009	66	17	a	a	DET
fsr-4009	66	18	relevant	relevant	ADJ
fsr-4009	66	19	context	context	NOUN
fsr-4009	66	20	for	for	ADP
fsr-4009	66	21	understanding	understand	VERB
fsr-4009	66	22	the	the	DET
fsr-4009	66	23	gender	gender	NOUN
fsr-4009	66	24	gap	gap	NOUN
fsr-4009	66	25	.	.	PUNCT
fsr-4009	67	1	risk	risk	NOUN
fsr-4009	67	2	tolerance	tolerance	NOUN
fsr-4009	67	3	some	some	DET
fsr-4009	67	4	researchers	researcher	NOUN
fsr-4009	67	5	have	have	AUX
fsr-4009	67	6	examined	examine	VERB
fsr-4009	67	7	the	the	DET
fsr-4009	67	8	relationships	relationship	NOUN
fsr-4009	67	9	between	between	ADP
fsr-4009	67	10	risk	risk	NOUN
fsr-4009	67	11	tolerance	tolerance	NOUN
fsr-4009	67	12	and	and	CCONJ
fsr-4009	67	13	retirement	retirement	NOUN
fsr-4009	67	14	savings	saving	NOUN
fsr-4009	67	15	and	and	CCONJ
fsr-4009	67	16	wealth	wealth	NOUN
fsr-4009	67	17	accumulation	accumulation	NOUN
fsr-4009	67	18	.	.	PUNCT
fsr-4009	68	1	ahmmed	ahmmed	PROPN
fsr-4009	68	2	et	et	PROPN
fsr-4009	68	3	al	al	PROPN
fsr-4009	68	4	.	.	PROPN
fsr-4009	69	1	147	147	NUM
fsr-4009	69	2	previous	previous	ADJ
fsr-4009	69	3	studies	study	NOUN
fsr-4009	69	4	find	find	VERB
fsr-4009	69	5	that	that	SCONJ
fsr-4009	69	6	,	,	PUNCT
fsr-4009	69	7	compared	compare	VERB
fsr-4009	69	8	to	to	ADP
fsr-4009	69	9	women	woman	NOUN
fsr-4009	69	10	,	,	PUNCT
fsr-4009	69	11	men	man	NOUN
fsr-4009	69	12	exhibit	exhibit	VERB
fsr-4009	69	13	a	a	DET
fsr-4009	69	14	higher	high	ADJ
fsr-4009	69	15	level	level	NOUN
fsr-4009	69	16	of	of	ADP
fsr-4009	69	17	risk	risk	NOUN
fsr-4009	69	18	tolerance	tolerance	NOUN
fsr-4009	69	19	(	(	PUNCT
fsr-4009	69	20	bollen	bollen	PROPN
fsr-4009	69	21	&	&	CCONJ
fsr-4009	69	22	posavac	posavac	PROPN
fsr-4009	69	23	,	,	PUNCT
fsr-4009	69	24	2018	2018	NUM
fsr-4009	69	25	;	;	PUNCT
fsr-4009	69	26	gibson	gibson	PROPN
fsr-4009	69	27	et	et	PROPN
fsr-4009	69	28	al	al	PROPN
fsr-4009	69	29	.	.	PROPN
fsr-4009	69	30	,	,	PUNCT
fsr-4009	69	31	2013	2013	NUM
fsr-4009	69	32	)	)	PUNCT
fsr-4009	69	33	.	.	PUNCT
fsr-4009	70	1	spivey	spivey	PROPN
fsr-4009	70	2	(	(	PUNCT
fsr-4009	70	3	2010	2010	NUM
fsr-4009	70	4	)	)	PUNCT
fsr-4009	70	5	finds	find	VERB
fsr-4009	70	6	a	a	DET
fsr-4009	70	7	similar	similar	ADJ
fsr-4009	70	8	result	result	NOUN
fsr-4009	70	9	using	use	VERB
fsr-4009	70	10	data	datum	NOUN
fsr-4009	70	11	from	from	ADP
fsr-4009	70	12	the	the	DET
fsr-4009	70	13	national	national	ADJ
fsr-4009	70	14	longitudinal	longitudinal	ADJ
fsr-4009	70	15	survey	survey	NOUN
fsr-4009	70	16	of	of	ADP
fsr-4009	70	17	youth	youth	NOUN
fsr-4009	70	18	1979	1979	NUM
fsr-4009	70	19	.	.	PUNCT
fsr-4009	71	1	this	this	DET
fsr-4009	71	2	increased	increase	VERB
fsr-4009	71	3	risk	risk	NOUN
fsr-4009	71	4	tolerance	tolerance	NOUN
fsr-4009	71	5	of	of	ADP
fsr-4009	71	6	men	man	NOUN
fsr-4009	71	7	could	could	AUX
fsr-4009	71	8	translate	translate	VERB
fsr-4009	71	9	into	into	ADP
fsr-4009	71	10	a	a	DET
fsr-4009	71	11	more	more	ADV
fsr-4009	71	12	proactive	proactive	ADJ
fsr-4009	71	13	approach	approach	NOUN
fsr-4009	71	14	to	to	ADP
fsr-4009	71	15	retirement	retirement	NOUN
fsr-4009	71	16	planning	planning	NOUN
fsr-4009	71	17	,	,	PUNCT
fsr-4009	71	18	including	include	VERB
fsr-4009	71	19	participation	participation	NOUN
fsr-4009	71	20	in	in	ADP
fsr-4009	71	21	employer	employer	NOUN
fsr-4009	71	22	-	-	PUNCT
fsr-4009	71	23	sponsored	sponsor	VERB
fsr-4009	71	24	retirement	retirement	NOUN
fsr-4009	71	25	plans	plan	NOUN
fsr-4009	71	26	.	.	PUNCT
fsr-4009	72	1	dwyer	dwyer	PROPN
fsr-4009	72	2	et	et	PROPN
fsr-4009	72	3	al	al	PROPN
fsr-4009	72	4	.	.	PROPN
fsr-4009	72	5	(	(	PUNCT
fsr-4009	72	6	2002	2002	NUM
fsr-4009	72	7	)	)	PUNCT
fsr-4009	72	8	and	and	CCONJ
fsr-4009	72	9	kappal	kappal	NOUN
fsr-4009	72	10	and	and	CCONJ
fsr-4009	72	11	rastogi	rastogi	ADV
fsr-4009	72	12	(	(	PUNCT
fsr-4009	72	13	2020	2020	NUM
fsr-4009	72	14	)	)	PUNCT
fsr-4009	72	15	confirm	confirm	VERB
fsr-4009	72	16	that	that	PRON
fsr-4009	72	17	risk	risk	NOUN
fsr-4009	72	18	aversion	aversion	NOUN
fsr-4009	72	19	leads	lead	VERB
fsr-4009	72	20	women	woman	NOUN
fsr-4009	72	21	to	to	PART
fsr-4009	72	22	invest	invest	VERB
fsr-4009	72	23	less	less	ADJ
fsr-4009	72	24	in	in	ADP
fsr-4009	72	25	risky	risky	ADJ
fsr-4009	72	26	assets	asset	NOUN
fsr-4009	72	27	.	.	PUNCT
fsr-4009	73	1	however	however	ADV
fsr-4009	73	2	,	,	PUNCT
fsr-4009	73	3	dwyer	dwyer	PROPN
fsr-4009	73	4	et	et	PROPN
fsr-4009	73	5	al	al	PROPN
fsr-4009	73	6	.	.	PROPN
fsr-4009	73	7	(	(	PUNCT
fsr-4009	73	8	2002	2002	NUM
fsr-4009	73	9	)	)	PUNCT
fsr-4009	73	10	and	and	CCONJ
fsr-4009	73	11	kappal	kappal	NOUN
fsr-4009	73	12	and	and	CCONJ
fsr-4009	73	13	rastogi	rastogi	ADV
fsr-4009	73	14	(	(	PUNCT
fsr-4009	73	15	2020	2020	NUM
fsr-4009	73	16	)	)	PUNCT
fsr-4009	73	17	also	also	ADV
fsr-4009	73	18	note	note	VERB
fsr-4009	73	19	that	that	SCONJ
fsr-4009	73	20	improved	improve	VERB
fsr-4009	73	21	financial	financial	ADJ
fsr-4009	73	22	knowledge	knowledge	NOUN
fsr-4009	73	23	can	can	AUX
fsr-4009	73	24	help	help	VERB
fsr-4009	73	25	reduce	reduce	VERB
fsr-4009	73	26	this	this	DET
fsr-4009	73	27	gap	gap	NOUN
fsr-4009	73	28	,	,	PUNCT
fsr-4009	73	29	highlighting	highlight	VERB
fsr-4009	73	30	that	that	SCONJ
fsr-4009	73	31	targeted	target	VERB
fsr-4009	73	32	financial	financial	ADJ
fsr-4009	73	33	education	education	NOUN
fsr-4009	73	34	may	may	AUX
fsr-4009	73	35	be	be	AUX
fsr-4009	73	36	an	an	DET
fsr-4009	73	37	effective	effective	ADJ
fsr-4009	73	38	solution	solution	NOUN
fsr-4009	73	39	.	.	PUNCT
fsr-4009	74	1	savings	saving	NOUN
fsr-4009	74	2	behavior	behavior	NOUN
fsr-4009	74	3	differences	difference	NOUN
fsr-4009	74	4	in	in	ADP
fsr-4009	74	5	saving	save	VERB
fsr-4009	74	6	behavior	behavior	NOUN
fsr-4009	74	7	between	between	ADP
fsr-4009	74	8	men	man	NOUN
fsr-4009	74	9	and	and	CCONJ
fsr-4009	74	10	women	woman	NOUN
fsr-4009	74	11	can	can	AUX
fsr-4009	74	12	contribute	contribute	VERB
fsr-4009	74	13	to	to	ADP
fsr-4009	74	14	the	the	DET
fsr-4009	74	15	gender	gender	NOUN
fsr-4009	74	16	gap	gap	NOUN
fsr-4009	74	17	in	in	ADP
fsr-4009	74	18	employer	employer	NOUN
fsr-4009	74	19	-	-	PUNCT
fsr-4009	74	20	sponsored	sponsor	VERB
fsr-4009	74	21	,	,	PUNCT
fsr-4009	74	22	retirement	retirement	NOUN
fsr-4009	74	23	-	-	PUNCT
fsr-4009	74	24	plan	plan	NOUN
fsr-4009	74	25	participation	participation	NOUN
fsr-4009	74	26	.	.	PUNCT
fsr-4009	75	1	various	various	ADJ
fsr-4009	75	2	societal	societal	ADJ
fsr-4009	75	3	,	,	PUNCT
fsr-4009	75	4	cultural	cultural	ADJ
fsr-4009	75	5	,	,	PUNCT
fsr-4009	75	6	and	and	CCONJ
fsr-4009	75	7	individual	individual	ADJ
fsr-4009	75	8	factors	factor	NOUN
fsr-4009	75	9	often	often	ADV
fsr-4009	75	10	influence	influence	VERB
fsr-4009	75	11	these	these	DET
fsr-4009	75	12	differences	difference	NOUN
fsr-4009	75	13	.	.	PUNCT
fsr-4009	76	1	fisher	fisher	PROPN
fsr-4009	76	2	et	et	PROPN
fsr-4009	76	3	al	al	PROPN
fsr-4009	76	4	.	.	PROPN
fsr-4009	77	1	(	(	PUNCT
fsr-4009	77	2	2015	2015	NUM
fsr-4009	77	3	)	)	PUNCT
fsr-4009	77	4	investigate	investigate	VERB
fsr-4009	77	5	the	the	DET
fsr-4009	77	6	differences	difference	NOUN
fsr-4009	77	7	in	in	ADP
fsr-4009	77	8	savings	saving	NOUN
fsr-4009	77	9	behaviors	behavior	NOUN
fsr-4009	77	10	between	between	ADP
fsr-4009	77	11	genders	gender	NOUN
fsr-4009	77	12	with	with	ADP
fsr-4009	77	13	data	datum	NOUN
fsr-4009	77	14	from	from	ADP
fsr-4009	77	15	a	a	DET
fsr-4009	77	16	nationally	nationally	ADV
fsr-4009	77	17	representative	representative	ADJ
fsr-4009	77	18	sample	sample	NOUN
fsr-4009	77	19	of	of	ADP
fsr-4009	77	20	lowto	lowto	NOUN
fsr-4009	77	21	moderate	moderate	ADJ
fsr-4009	77	22	-	-	PUNCT
fsr-4009	77	23	income	income	NOUN
fsr-4009	77	24	households	household	NOUN
fsr-4009	77	25	(	(	PUNCT
fsr-4009	77	26	nc1172	nc1172	NOUN
fsr-4009	77	27	)	)	PUNCT
fsr-4009	77	28	as	as	ADV
fsr-4009	77	29	well	well	ADV
fsr-4009	77	30	as	as	ADP
fsr-4009	77	31	data	datum	NOUN
fsr-4009	77	32	from	from	ADP
fsr-4009	77	33	the	the	DET
fsr-4009	77	34	2010	2010	NUM
fsr-4009	77	35	survey	survey	NOUN
fsr-4009	77	36	of	of	ADP
fsr-4009	77	37	consumer	consumer	NOUN
fsr-4009	77	38	finances	finance	NOUN
fsr-4009	77	39	(	(	PUNCT
fsr-4009	77	40	scf	scf	PROPN
fsr-4009	77	41	)	)	PUNCT
fsr-4009	77	42	.	.	PUNCT
fsr-4009	78	1	nc1172	nc1172	NOUN
fsr-4009	78	2	is	be	AUX
fsr-4009	78	3	a	a	DET
fsr-4009	78	4	multistate	multistate	NOUN
fsr-4009	78	5	research	research	NOUN
fsr-4009	78	6	program	program	NOUN
fsr-4009	78	7	sponsored	sponsor	VERB
fsr-4009	78	8	by	by	ADP
fsr-4009	78	9	north	north	ADJ
fsr-4009	78	10	central	central	ADJ
fsr-4009	78	11	(	(	PUNCT
fsr-4009	78	12	nc	nc	PROPN
fsr-4009	78	13	)	)	PUNCT
fsr-4009	78	14	.	.	PUNCT
fsr-4009	79	1	results	result	NOUN
fsr-4009	79	2	show	show	VERB
fsr-4009	79	3	that	that	SCONJ
fsr-4009	79	4	men	man	NOUN
fsr-4009	79	5	and	and	CCONJ
fsr-4009	79	6	women	woman	NOUN
fsr-4009	79	7	exhibit	exhibit	VERB
fsr-4009	79	8	different	different	ADJ
fsr-4009	79	9	savings	saving	NOUN
fsr-4009	79	10	behaviors	behavior	NOUN
fsr-4009	79	11	.	.	PUNCT
fsr-4009	80	1	in	in	ADP
fsr-4009	80	2	the	the	DET
fsr-4009	80	3	scf	scf	PROPN
fsr-4009	80	4	,	,	PUNCT
fsr-4009	80	5	having	have	VERB
fsr-4009	80	6	other	other	ADJ
fsr-4009	80	7	members	member	NOUN
fsr-4009	80	8	in	in	ADP
fsr-4009	80	9	the	the	DET
fsr-4009	80	10	household	household	NOUN
fsr-4009	80	11	affects	affect	VERB
fsr-4009	80	12	savings	saving	NOUN
fsr-4009	80	13	behavior	behavior	NOUN
fsr-4009	80	14	differently	differently	ADV
fsr-4009	80	15	for	for	ADP
fsr-4009	80	16	men	man	NOUN
fsr-4009	80	17	and	and	CCONJ
fsr-4009	80	18	women	woman	NOUN
fsr-4009	80	19	.	.	PUNCT
fsr-4009	81	1	additionally	additionally	ADV
fsr-4009	81	2	,	,	PUNCT
fsr-4009	81	3	they	they	PRON
fsr-4009	81	4	find	find	VERB
fsr-4009	81	5	that	that	SCONJ
fsr-4009	81	6	education	education	NOUN
fsr-4009	81	7	and	and	CCONJ
fsr-4009	81	8	counseling	counseling	NOUN
fsr-4009	81	9	positively	positively	ADV
fsr-4009	81	10	impact	impact	VERB
fsr-4009	81	11	savings	saving	NOUN
fsr-4009	81	12	behavior	behavior	NOUN
fsr-4009	81	13	among	among	ADP
fsr-4009	81	14	both	both	DET
fsr-4009	81	15	men	man	NOUN
fsr-4009	81	16	and	and	CCONJ
fsr-4009	81	17	women	woman	NOUN
fsr-4009	81	18	in	in	ADP
fsr-4009	81	19	low	low	ADJ
fsr-4009	81	20	-	-	PUNCT
fsr-4009	81	21	to	to	ADP
fsr-4009	81	22	-	-	PUNCT
fsr-4009	81	23	moderateincome	moderateincome	NOUN
fsr-4009	81	24	households	household	NOUN
fsr-4009	81	25	.	.	PUNCT
fsr-4009	82	1	labor	labor	NOUN
fsr-4009	82	2	force	force	NOUN
fsr-4009	82	3	participation	participation	NOUN
fsr-4009	82	4	differences	difference	NOUN
fsr-4009	82	5	in	in	ADP
fsr-4009	82	6	labor	labor	NOUN
fsr-4009	82	7	force	force	NOUN
fsr-4009	82	8	participation	participation	NOUN
fsr-4009	82	9	between	between	ADP
fsr-4009	82	10	men	man	NOUN
fsr-4009	82	11	and	and	CCONJ
fsr-4009	82	12	women	woman	NOUN
fsr-4009	82	13	can	can	AUX
fsr-4009	82	14	contribute	contribute	VERB
fsr-4009	82	15	to	to	ADP
fsr-4009	82	16	the	the	DET
fsr-4009	82	17	gender	gender	NOUN
fsr-4009	82	18	gap	gap	NOUN
fsr-4009	82	19	in	in	ADP
fsr-4009	82	20	employer	employer	NOUN
fsr-4009	82	21	-	-	PUNCT
fsr-4009	82	22	sponsored	sponsor	VERB
fsr-4009	82	23	,	,	PUNCT
fsr-4009	82	24	retirement	retirement	NOUN
fsr-4009	82	25	plan	plan	NOUN
fsr-4009	82	26	participation	participation	NOUN
fsr-4009	82	27	.	.	PUNCT
fsr-4009	83	1	various	various	ADJ
fsr-4009	83	2	employment	employment	NOUN
fsr-4009	83	3	and	and	CCONJ
fsr-4009	83	4	workforce	workforce	NOUN
fsr-4009	83	5	factors	factor	NOUN
fsr-4009	83	6	shape	shape	VERB
fsr-4009	83	7	this	this	DET
fsr-4009	83	8	gap	gap	NOUN
fsr-4009	83	9	.	.	PUNCT
fsr-4009	84	1	men	man	NOUN
fsr-4009	84	2	and	and	CCONJ
fsr-4009	84	3	women	woman	NOUN
fsr-4009	84	4	often	often	ADV
fsr-4009	84	5	work	work	VERB
fsr-4009	84	6	in	in	ADP
fsr-4009	84	7	different	different	ADJ
fsr-4009	84	8	industries	industry	NOUN
fsr-4009	84	9	or	or	CCONJ
fsr-4009	84	10	roles	role	NOUN
fsr-4009	84	11	,	,	PUNCT
fsr-4009	84	12	and	and	CCONJ
fsr-4009	84	13	some	some	DET
fsr-4009	84	14	sectors	sector	NOUN
fsr-4009	84	15	are	be	AUX
fsr-4009	84	16	more	more	ADV
fsr-4009	84	17	likely	likely	ADJ
fsr-4009	84	18	to	to	PART
fsr-4009	84	19	offer	offer	VERB
fsr-4009	84	20	retirement	retirement	NOUN
fsr-4009	84	21	benefits	benefit	NOUN
fsr-4009	84	22	than	than	ADP
fsr-4009	84	23	others	other	NOUN
fsr-4009	84	24	.	.	PUNCT
fsr-4009	85	1	as	as	ADP
fsr-4009	85	2	a	a	DET
fsr-4009	85	3	result	result	NOUN
fsr-4009	85	4	,	,	PUNCT
fsr-4009	85	5	access	access	NOUN
fsr-4009	85	6	to	to	ADP
fsr-4009	85	7	employer	employer	NOUN
fsr-4009	85	8	-	-	PUNCT
fsr-4009	85	9	sponsored	sponsor	VERB
fsr-4009	85	10	plans	plan	NOUN
fsr-4009	85	11	can	can	AUX
fsr-4009	85	12	vary	vary	VERB
fsr-4009	85	13	significantly	significantly	ADV
fsr-4009	85	14	by	by	ADP
fsr-4009	85	15	gender	gender	NOUN
fsr-4009	85	16	.	.	PUNCT
fsr-4009	86	1	cordova	cordova	PROPN
fsr-4009	86	2	et	et	PROPN
fsr-4009	86	3	al	al	PROPN
fsr-4009	86	4	.	.	PROPN
fsr-4009	86	5	(	(	PUNCT
fsr-4009	86	6	2022	2022	NUM
fsr-4009	86	7	)	)	PUNCT
fsr-4009	86	8	and	and	CCONJ
fsr-4009	86	9	sierminska	sierminska	NOUN
fsr-4009	86	10	et	et	PROPN
fsr-4009	86	11	al	al	PROPN
fsr-4009	86	12	.	.	PROPN
fsr-4009	87	1	(	(	PUNCT
fsr-4009	87	2	2010	2010	NUM
fsr-4009	87	3	)	)	PUNCT
fsr-4009	87	4	find	find	VERB
fsr-4009	87	5	that	that	SCONJ
fsr-4009	87	6	women	woman	NOUN
fsr-4009	87	7	’s	’s	PART
fsr-4009	87	8	lower	low	ADJ
fsr-4009	87	9	labor	labor	NOUN
fsr-4009	87	10	force	force	NOUN
fsr-4009	87	11	participation	participation	NOUN
fsr-4009	87	12	leads	lead	VERB
fsr-4009	87	13	to	to	ADP
fsr-4009	87	14	lower	low	ADJ
fsr-4009	87	15	retirement	retirement	NOUN
fsr-4009	87	16	wealth	wealth	NOUN
fsr-4009	87	17	accumulation	accumulation	NOUN
fsr-4009	87	18	.	.	PUNCT
fsr-4009	88	1	women	woman	NOUN
fsr-4009	88	2	more	more	ADV
fsr-4009	88	3	frequently	frequently	ADV
fsr-4009	88	4	work	work	VERB
fsr-4009	88	5	part	part	ADJ
fsr-4009	88	6	-	-	PUNCT
fsr-4009	88	7	time	time	NOUN
fsr-4009	88	8	,	,	PUNCT
fsr-4009	88	9	possess	possess	VERB
fsr-4009	88	10	more	more	ADV
fsr-4009	88	11	diversified	diversified	ADJ
fsr-4009	88	12	work	work	NOUN
fsr-4009	88	13	histories	history	NOUN
fsr-4009	88	14	influenced	influence	VERB
fsr-4009	88	15	by	by	ADP
fsr-4009	88	16	childbearing	childbearing	NOUN
fsr-4009	88	17	,	,	PUNCT
fsr-4009	88	18	and	and	CCONJ
fsr-4009	88	19	experience	experience	VERB
fsr-4009	88	20	more	more	ADJ
fsr-4009	88	21	frequent	frequent	ADJ
fsr-4009	88	22	job	job	NOUN
fsr-4009	88	23	changes	change	NOUN
fsr-4009	88	24	(	(	PUNCT
fsr-4009	88	25	berger	berger	PROPN
fsr-4009	88	26	&	&	CCONJ
fsr-4009	88	27	denton	denton	PROPN
fsr-4009	88	28	,	,	PUNCT
fsr-4009	88	29	2004	2004	NUM
fsr-4009	88	30	;	;	PUNCT
fsr-4009	88	31	niessen	niessen	NOUN
fsr-4009	88	32	-	-	PUNCT
fsr-4009	88	33	ruenzi	ruenzi	PROPN
fsr-4009	88	34	&	&	CCONJ
fsr-4009	88	35	schneider	schneider	PROPN
fsr-4009	88	36	,	,	PUNCT
fsr-4009	88	37	2019	2019	NUM
fsr-4009	88	38	)	)	PUNCT
fsr-4009	88	39	.	.	PUNCT
fsr-4009	89	1	this	this	DET
fsr-4009	89	2	study	study	NOUN
fsr-4009	89	3	's	's	PART
fsr-4009	89	4	focus	focus	NOUN
fsr-4009	89	5	on	on	ADP
fsr-4009	89	6	employed	employ	VERB
fsr-4009	89	7	individuals	individual	NOUN
fsr-4009	89	8	ensures	ensure	VERB
fsr-4009	89	9	that	that	SCONJ
fsr-4009	89	10	differences	difference	NOUN
fsr-4009	89	11	in	in	ADP
fsr-4009	89	12	employersponsored	employersponsored	ADJ
fsr-4009	89	13	,	,	PUNCT
fsr-4009	89	14	retirement	retirement	NOUN
fsr-4009	89	15	-	-	PUNCT
fsr-4009	89	16	plan	plan	NOUN
fsr-4009	89	17	participation	participation	NOUN
fsr-4009	89	18	are	be	AUX
fsr-4009	89	19	not	not	PART
fsr-4009	89	20	influenced	influence	VERB
fsr-4009	89	21	by	by	ADP
fsr-4009	89	22	variations	variation	NOUN
fsr-4009	89	23	in	in	ADP
fsr-4009	89	24	employment	employment	NOUN
fsr-4009	89	25	status	status	NOUN
fsr-4009	89	26	,	,	PUNCT
fsr-4009	89	27	thereby	thereby	ADV
fsr-4009	89	28	enhancing	enhance	VERB
fsr-4009	89	29	the	the	DET
fsr-4009	89	30	reliability	reliability	NOUN
fsr-4009	89	31	of	of	ADP
fsr-4009	89	32	the	the	DET
fsr-4009	89	33	findings	finding	NOUN
fsr-4009	89	34	.	.	PUNCT
fsr-4009	90	1	information	information	NOUN
fsr-4009	90	2	sources	source	NOUN
fsr-4009	90	3	access	access	NOUN
fsr-4009	90	4	to	to	ADP
fsr-4009	90	5	financial	financial	ADJ
fsr-4009	90	6	information	information	NOUN
fsr-4009	90	7	also	also	ADV
fsr-4009	90	8	differs	differ	VERB
fsr-4009	90	9	by	by	ADP
fsr-4009	90	10	gender	gender	NOUN
fsr-4009	90	11	.	.	PUNCT
fsr-4009	91	1	studies	study	NOUN
fsr-4009	91	2	have	have	AUX
fsr-4009	91	3	found	find	VERB
fsr-4009	91	4	that	that	SCONJ
fsr-4009	91	5	women	woman	NOUN
fsr-4009	91	6	report	report	VERB
fsr-4009	91	7	lower	low	ADJ
fsr-4009	91	8	levels	level	NOUN
fsr-4009	91	9	of	of	ADP
fsr-4009	91	10	confidence	confidence	NOUN
fsr-4009	91	11	and	and	CCONJ
fsr-4009	91	12	familiarity	familiarity	NOUN
fsr-4009	91	13	with	with	ADP
fsr-4009	91	14	financial	financial	ADJ
fsr-4009	91	15	concepts	concept	NOUN
fsr-4009	91	16	than	than	ADP
fsr-4009	91	17	men	man	NOUN
fsr-4009	91	18	(	(	PUNCT
fsr-4009	91	19	chen	chen	PROPN
fsr-4009	91	20	&	&	CCONJ
fsr-4009	91	21	volpe	volpe	PROPN
fsr-4009	91	22	,	,	PUNCT
fsr-4009	91	23	2002	2002	NUM
fsr-4009	91	24	;	;	PUNCT
fsr-4009	91	25	loibl	loibl	PROPN
fsr-4009	91	26	&	&	CCONJ
fsr-4009	91	27	hira	hira	PROPN
fsr-4009	91	28	,	,	PUNCT
fsr-4009	91	29	2006	2006	NUM
fsr-4009	91	30	)	)	PUNCT
fsr-4009	91	31	.	.	PUNCT
fsr-4009	92	1	graham	graham	PROPN
fsr-4009	92	2	et	et	PROPN
fsr-4009	92	3	al	al	PROPN
fsr-4009	92	4	.	.	PROPN
fsr-4009	92	5	(	(	PUNCT
fsr-4009	92	6	2002	2002	NUM
fsr-4009	92	7	)	)	PUNCT
fsr-4009	92	8	also	also	ADV
fsr-4009	92	9	suggest	suggest	VERB
fsr-4009	92	10	that	that	SCONJ
fsr-4009	92	11	information	information	NOUN
fsr-4009	92	12	-	-	PUNCT
fsr-4009	92	13	processing	processing	NOUN
fsr-4009	92	14	styles	style	NOUN
fsr-4009	92	15	may	may	AUX
fsr-4009	92	16	lead	lead	VERB
fsr-4009	92	17	to	to	ADP
fsr-4009	92	18	differences	difference	NOUN
fsr-4009	92	19	in	in	ADP
fsr-4009	92	20	financial	financial	ADJ
fsr-4009	92	21	strategies	strategy	NOUN
fsr-4009	92	22	.	.	PUNCT
fsr-4009	93	1	while	while	SCONJ
fsr-4009	93	2	this	this	DET
fsr-4009	93	3	factor	factor	NOUN
fsr-4009	93	4	is	be	AUX
fsr-4009	93	5	not	not	PART
fsr-4009	93	6	directly	directly	ADV
fsr-4009	93	7	included	include	VERB
fsr-4009	93	8	in	in	ADP
fsr-4009	93	9	the	the	DET
fsr-4009	93	10	model	model	NOUN
fsr-4009	93	11	,	,	PUNCT
fsr-4009	93	12	its	its	PRON
fsr-4009	93	13	indirect	indirect	ADJ
fsr-4009	93	14	effects	effect	NOUN
fsr-4009	93	15	may	may	AUX
fsr-4009	93	16	be	be	AUX
fsr-4009	93	17	captured	capture	VERB
fsr-4009	93	18	through	through	ADP
fsr-4009	93	19	variables	variable	NOUN
fsr-4009	93	20	such	such	ADJ
fsr-4009	93	21	as	as	ADP
fsr-4009	93	22	education	education	NOUN
fsr-4009	93	23	or	or	CCONJ
fsr-4009	93	24	financial	financial	ADJ
fsr-4009	93	25	literacy	literacy	NOUN
fsr-4009	93	26	.	.	PUNCT
fsr-4009	94	1	previous	previous	ADJ
fsr-4009	94	2	studies	study	NOUN
fsr-4009	94	3	have	have	AUX
fsr-4009	94	4	looked	look	VERB
fsr-4009	94	5	at	at	ADP
fsr-4009	94	6	the	the	DET
fsr-4009	94	7	effects	effect	NOUN
fsr-4009	94	8	of	of	ADP
fsr-4009	94	9	differences	difference	NOUN
fsr-4009	94	10	in	in	ADP
fsr-4009	94	11	the	the	DET
fsr-4009	94	12	level	level	NOUN
fsr-4009	94	13	(	(	PUNCT
fsr-4009	94	14	explained	explain	VERB
fsr-4009	94	15	)	)	PUNCT
fsr-4009	94	16	of	of	ADP
fsr-4009	94	17	the	the	DET
fsr-4009	94	18	explanatory	explanatory	ADJ
fsr-4009	94	19	variables	variable	NOUN
fsr-4009	94	20	but	but	CCONJ
fsr-4009	94	21	not	not	PART
fsr-4009	94	22	at	at	ADP
fsr-4009	94	23	the	the	DET
fsr-4009	94	24	effects	effect	NOUN
fsr-4009	94	25	of	of	ADP
fsr-4009	94	26	differences	difference	NOUN
fsr-4009	94	27	in	in	ADP
fsr-4009	94	28	the	the	DET
fsr-4009	94	29	returns	return	NOUN
fsr-4009	94	30	of	of	ADP
fsr-4009	94	31	the	the	DET
fsr-4009	94	32	explanatory	explanatory	ADJ
fsr-4009	94	33	variables	variable	NOUN
fsr-4009	94	34	(	(	PUNCT
fsr-4009	94	35	unexplained	unexplained	ADJ
fsr-4009	94	36	)	)	PUNCT
fsr-4009	94	37	.	.	PUNCT
fsr-4009	95	1	understanding	understand	VERB
fsr-4009	95	2	the	the	DET
fsr-4009	95	3	factors	factor	NOUN
fsr-4009	95	4	contributing	contribute	VERB
fsr-4009	95	5	to	to	ADP
fsr-4009	95	6	the	the	DET
fsr-4009	95	7	unexplained	unexplained	ADJ
fsr-4009	95	8	gap	gap	NOUN
fsr-4009	95	9	is	be	AUX
fsr-4009	95	10	essential	essential	ADJ
fsr-4009	95	11	for	for	ADP
fsr-4009	95	12	addressing	address	VERB
fsr-4009	95	13	the	the	DET
fsr-4009	95	14	gender	gender	NOUN
fsr-4009	95	15	gap	gap	NOUN
fsr-4009	95	16	in	in	ADP
fsr-4009	95	17	employer	employer	NOUN
fsr-4009	95	18	-	-	PUNCT
fsr-4009	95	19	sponsored	sponsor	VERB
fsr-4009	95	20	retirement	retirement	NOUN
fsr-4009	95	21	plan	plan	NOUN
fsr-4009	95	22	participation	participation	NOUN
fsr-4009	95	23	comprehensively	comprehensively	ADV
fsr-4009	95	24	.	.	PUNCT
fsr-4009	96	1	while	while	SCONJ
fsr-4009	96	2	the	the	DET
fsr-4009	96	3	explained	explain	VERB
fsr-4009	96	4	gap	gap	NOUN
fsr-4009	96	5	can	can	AUX
fsr-4009	96	6	be	be	AUX
fsr-4009	96	7	attributed	attribute	VERB
fsr-4009	96	8	to	to	ADP
fsr-4009	96	9	differences	difference	NOUN
fsr-4009	96	10	in	in	ADP
fsr-4009	96	11	financial	financial	ADJ
fsr-4009	96	12	literacy	literacy	NOUN
fsr-4009	96	13	,	,	PUNCT
fsr-4009	96	14	income	income	NOUN
fsr-4009	96	15	,	,	PUNCT
fsr-4009	96	16	employment	employment	NOUN
fsr-4009	96	17	,	,	PUNCT
fsr-4009	96	18	or	or	CCONJ
fsr-4009	96	19	educational	educational	ADJ
fsr-4009	96	20	attainment	attainment	NOUN
fsr-4009	96	21	,	,	PUNCT
fsr-4009	96	22	the	the	DET
fsr-4009	96	23	unexplained	unexplained	ADJ
fsr-4009	96	24	gap	gap	NOUN
fsr-4009	96	25	focuses	focus	VERB
fsr-4009	96	26	on	on	ADP
fsr-4009	96	27	other	other	ADJ
fsr-4009	96	28	factors	factor	NOUN
fsr-4009	96	29	contributing	contribute	VERB
fsr-4009	96	30	to	to	ADP
fsr-4009	96	31	the	the	DET
fsr-4009	96	32	gender	gender	NOUN
fsr-4009	96	33	gap	gap	NOUN
fsr-4009	96	34	in	in	ADP
fsr-4009	96	35	employersponsored	employersponsored	ADJ
fsr-4009	96	36	retirement	retirement	NOUN
fsr-4009	96	37	plan	plan	NOUN
fsr-4009	96	38	participation	participation	NOUN
fsr-4009	96	39	.	.	PUNCT
fsr-4009	97	1	the	the	DET
fsr-4009	97	2	unexplained	unexplained	ADJ
fsr-4009	97	3	gap	gap	NOUN
fsr-4009	97	4	could	could	AUX
fsr-4009	97	5	come	come	VERB
fsr-4009	97	6	from	from	ADP
fsr-4009	97	7	factors	factor	NOUN
fsr-4009	97	8	that	that	PRON
fsr-4009	97	9	are	be	AUX
fsr-4009	97	10	unobserved	unobserved	ADJ
fsr-4009	97	11	or	or	CCONJ
fsr-4009	97	12	not	not	PART
fsr-4009	97	13	included	include	VERB
fsr-4009	97	14	in	in	ADP
fsr-4009	97	15	the	the	DET
fsr-4009	97	16	model	model	NOUN
fsr-4009	97	17	,	,	PUNCT
fsr-4009	97	18	such	such	ADJ
fsr-4009	97	19	as	as	ADP
fsr-4009	97	20	discrimination	discrimination	NOUN
fsr-4009	97	21	and	and	CCONJ
fsr-4009	97	22	bias	bias	NOUN
fsr-4009	97	23	,	,	PUNCT
fsr-4009	97	24	social	social	ADJ
fsr-4009	97	25	and	and	CCONJ
fsr-4009	97	26	cultural	cultural	ADJ
fsr-4009	97	27	factors	factor	NOUN
fsr-4009	97	28	,	,	PUNCT
fsr-4009	97	29	work	work	NOUN
fsr-4009	97	30	-	-	PUNCT
fsr-4009	97	31	life	life	NOUN
fsr-4009	97	32	balance	balance	NOUN
fsr-4009	97	33	,	,	PUNCT
fsr-4009	97	34	and	and	CCONJ
fsr-4009	97	35	caregiving	caregive	VERB
fsr-4009	97	36	responsibilities	responsibility	NOUN
fsr-4009	97	37	.	.	PUNCT
fsr-4009	98	1	according	accord	VERB
fsr-4009	98	2	to	to	ADP
fsr-4009	98	3	the	the	DET
fsr-4009	98	4	u.s	u.s	PROPN
fsr-4009	98	5	.	.	PROPN
fsr-4009	98	6	erisa	erisa	PROPN
fsr-4009	98	7	act	act	PROPN
fsr-4009	98	8	,	,	PUNCT
fsr-4009	98	9	there	there	PRON
fsr-4009	98	10	should	should	AUX
fsr-4009	98	11	not	not	PART
fsr-4009	98	12	be	be	AUX
fsr-4009	98	13	any	any	DET
fsr-4009	98	14	discrimination	discrimination	NOUN
fsr-4009	98	15	between	between	ADP
fsr-4009	98	16	men	man	NOUN
fsr-4009	98	17	and	and	CCONJ
fsr-4009	98	18	women	woman	NOUN
fsr-4009	98	19	in	in	ADP
fsr-4009	98	20	attaining	attain	VERB
fsr-4009	98	21	employersponsored	employersponsored	ADJ
fsr-4009	98	22	retirement	retirement	NOUN
fsr-4009	98	23	plans	plan	NOUN
fsr-4009	98	24	.	.	PUNCT
fsr-4009	99	1	however	however	ADV
fsr-4009	99	2	,	,	PUNCT
fsr-4009	99	3	gaps	gap	NOUN
fsr-4009	99	4	in	in	ADP
fsr-4009	99	5	employer	employer	NOUN
fsr-4009	99	6	-	-	PUNCT
fsr-4009	99	7	sponsored	sponsor	VERB
fsr-4009	99	8	retirement	retirement	NOUN
fsr-4009	99	9	-	-	PUNCT
fsr-4009	99	10	plan	plan	NOUN
fsr-4009	99	11	participation	participation	NOUN
fsr-4009	99	12	can	can	AUX
fsr-4009	99	13	still	still	ADV
fsr-4009	99	14	exist	exist	VERB
fsr-4009	99	15	due	due	ADJ
fsr-4009	99	16	to	to	ADP
fsr-4009	99	17	other	other	ADJ
fsr-4009	99	18	factors	factor	NOUN
fsr-4009	99	19	,	,	PUNCT
fsr-4009	99	20	such	such	ADJ
fsr-4009	99	21	as	as	ADP
fsr-4009	99	22	social	social	ADJ
fsr-4009	99	23	and	and	CCONJ
fsr-4009	99	24	cultural	cultural	ADJ
fsr-4009	99	25	factors	factor	NOUN
fsr-4009	99	26	,	,	PUNCT
fsr-4009	99	27	work	work	NOUN
fsr-4009	99	28	-	-	PUNCT
fsr-4009	99	29	life	life	NOUN
fsr-4009	99	30	balance	balance	NOUN
fsr-4009	99	31	,	,	PUNCT
fsr-4009	99	32	and	and	CCONJ
fsr-4009	99	33	caregiving	caregive	VERB
fsr-4009	99	34	responsibilities	responsibility	NOUN
fsr-4009	99	35	.	.	PUNCT
fsr-4009	100	1	societal	societal	ADJ
fsr-4009	100	2	financial	financial	PROPN
fsr-4009	100	3	services	services	PROPN
fsr-4009	100	4	review	review	PROPN
fsr-4009	100	5	,	,	PUNCT
fsr-4009	100	6	33(2	33(2	NUM
fsr-4009	100	7	)	)	PUNCT
fsr-4009	100	8	148	148	NUM
fsr-4009	100	9	norms	norm	NOUN
fsr-4009	100	10	and	and	CCONJ
fsr-4009	100	11	cultural	cultural	ADJ
fsr-4009	100	12	expectations	expectation	NOUN
fsr-4009	100	13	can	can	AUX
fsr-4009	100	14	influence	influence	VERB
fsr-4009	100	15	women	woman	NOUN
fsr-4009	100	16	’s	’s	PART
fsr-4009	100	17	financial	financial	ADJ
fsr-4009	100	18	behaviors	behavior	NOUN
fsr-4009	100	19	and	and	CCONJ
fsr-4009	100	20	saving	save	VERB
fsr-4009	100	21	patterns	pattern	NOUN
fsr-4009	100	22	,	,	PUNCT
fsr-4009	100	23	potentially	potentially	ADV
fsr-4009	100	24	contributing	contribute	VERB
fsr-4009	100	25	to	to	ADP
fsr-4009	100	26	the	the	DET
fsr-4009	100	27	unexplained	unexplained	ADJ
fsr-4009	100	28	gap	gap	NOUN
fsr-4009	100	29	.	.	PUNCT
fsr-4009	101	1	women	woman	NOUN
fsr-4009	101	2	’s	’s	PART
fsr-4009	101	3	increased	increase	VERB
fsr-4009	101	4	caregiving	caregive	VERB
fsr-4009	101	5	responsibilities	responsibility	NOUN
fsr-4009	101	6	and	and	CCONJ
fsr-4009	101	7	work	work	NOUN
fsr-4009	101	8	-	-	PUNCT
fsr-4009	101	9	life	life	NOUN
fsr-4009	101	10	balance	balance	NOUN
fsr-4009	101	11	challenges	challenge	NOUN
fsr-4009	101	12	can	can	AUX
fsr-4009	101	13	affect	affect	VERB
fsr-4009	101	14	their	their	PRON
fsr-4009	101	15	employment	employment	NOUN
fsr-4009	101	16	patterns	pattern	NOUN
fsr-4009	101	17	,	,	PUNCT
fsr-4009	101	18	leading	lead	VERB
fsr-4009	101	19	to	to	ADP
fsr-4009	101	20	interruptions	interruption	NOUN
fsr-4009	101	21	,	,	PUNCT
fsr-4009	101	22	part	part	ADJ
fsr-4009	101	23	-	-	PUNCT
fsr-4009	101	24	time	time	NOUN
fsr-4009	101	25	work	work	NOUN
fsr-4009	101	26	,	,	PUNCT
fsr-4009	101	27	or	or	CCONJ
fsr-4009	101	28	career	career	NOUN
fsr-4009	101	29	breaks	break	NOUN
fsr-4009	101	30	,	,	PUNCT
fsr-4009	101	31	affecting	affect	VERB
fsr-4009	101	32	their	their	PRON
fsr-4009	101	33	retirement	retirement	NOUN
fsr-4009	101	34	savings	saving	NOUN
fsr-4009	101	35	.	.	PUNCT
fsr-4009	102	1	using	use	VERB
fsr-4009	102	2	the	the	DET
fsr-4009	102	3	nfcs	nfc	NOUN
fsr-4009	102	4	(	(	PUNCT
fsr-4009	102	5	2021	2021	NUM
fsr-4009	102	6	)	)	PUNCT
fsr-4009	102	7	,	,	PUNCT
fsr-4009	102	8	the	the	DET
fsr-4009	102	9	current	current	ADJ
fsr-4009	102	10	study	study	NOUN
fsr-4009	102	11	examines	examine	VERB
fsr-4009	102	12	how	how	SCONJ
fsr-4009	102	13	differences	difference	NOUN
fsr-4009	102	14	in	in	ADP
fsr-4009	102	15	the	the	DET
fsr-4009	102	16	means	mean	NOUN
fsr-4009	102	17	of	of	ADP
fsr-4009	102	18	the	the	DET
fsr-4009	102	19	explanatory	explanatory	ADJ
fsr-4009	102	20	variables	variable	NOUN
fsr-4009	102	21	(	(	PUNCT
fsr-4009	102	22	financial	financial	ADJ
fsr-4009	102	23	literacy	literacy	NOUN
fsr-4009	102	24	and	and	CCONJ
fsr-4009	102	25	other	other	ADJ
fsr-4009	102	26	demographic	demographic	ADJ
fsr-4009	102	27	and	and	CCONJ
fsr-4009	102	28	economic	economic	ADJ
fsr-4009	102	29	variables	variable	NOUN
fsr-4009	102	30	)	)	PUNCT
fsr-4009	102	31	and	and	CCONJ
fsr-4009	102	32	the	the	DET
fsr-4009	102	33	returns	return	NOUN
fsr-4009	102	34	to	to	ADP
fsr-4009	102	35	these	these	DET
fsr-4009	102	36	explanatory	explanatory	ADJ
fsr-4009	102	37	variables	variable	NOUN
fsr-4009	102	38	between	between	ADP
fsr-4009	102	39	single	single	ADJ
fsr-4009	102	40	employed	employ	VERB
fsr-4009	102	41	men	man	NOUN
fsr-4009	102	42	and	and	CCONJ
fsr-4009	102	43	single	single	ADJ
fsr-4009	102	44	employed	employ	VERB
fsr-4009	102	45	women	woman	NOUN
fsr-4009	102	46	are	be	AUX
fsr-4009	102	47	associated	associate	VERB
fsr-4009	102	48	with	with	ADP
fsr-4009	102	49	employer	employer	NOUN
fsr-4009	102	50	-	-	PUNCT
fsr-4009	102	51	sponsored	sponsor	VERB
fsr-4009	102	52	,	,	PUNCT
fsr-4009	102	53	retirement	retirement	NOUN
fsr-4009	102	54	-	-	PUNCT
fsr-4009	102	55	plan	plan	NOUN
fsr-4009	102	56	participation	participation	NOUN
fsr-4009	102	57	.	.	PUNCT
fsr-4009	103	1	theoretical	theoretical	ADJ
fsr-4009	103	2	framework	framework	NOUN
fsr-4009	103	3	this	this	DET
fsr-4009	103	4	study	study	NOUN
fsr-4009	103	5	’s	’s	PART
fsr-4009	103	6	theoretical	theoretical	ADJ
fsr-4009	103	7	framework	framework	NOUN
fsr-4009	103	8	draws	draw	VERB
fsr-4009	103	9	from	from	ADP
fsr-4009	103	10	the	the	DET
fsr-4009	103	11	life	life	NOUN
fsr-4009	103	12	cycle	cycle	NOUN
fsr-4009	103	13	hypothesis	hypothesis	NOUN
fsr-4009	103	14	(	(	PUNCT
fsr-4009	103	15	ando	ando	PROPN
fsr-4009	103	16	&	&	CCONJ
fsr-4009	103	17	modigliani	modigliani	PROPN
fsr-4009	103	18	,	,	PUNCT
fsr-4009	103	19	1963	1963	NUM
fsr-4009	103	20	)	)	PUNCT
fsr-4009	103	21	and	and	CCONJ
fsr-4009	103	22	human	human	ADJ
fsr-4009	103	23	capital	capital	NOUN
fsr-4009	103	24	theory	theory	NOUN
fsr-4009	103	25	(	(	PUNCT
fsr-4009	103	26	becker	becker	NOUN
fsr-4009	103	27	,	,	PUNCT
fsr-4009	103	28	1994	1994	NUM
fsr-4009	103	29	)	)	PUNCT
fsr-4009	103	30	.	.	PUNCT
fsr-4009	104	1	the	the	DET
fsr-4009	104	2	life	life	NOUN
fsr-4009	104	3	cycle	cycle	NOUN
fsr-4009	104	4	hypothesis	hypothesis	NOUN
fsr-4009	104	5	suggests	suggest	VERB
fsr-4009	104	6	that	that	SCONJ
fsr-4009	104	7	individuals	individual	NOUN
fsr-4009	104	8	plan	plan	VERB
fsr-4009	104	9	their	their	PRON
fsr-4009	104	10	consumption	consumption	NOUN
fsr-4009	104	11	and	and	CCONJ
fsr-4009	104	12	savings	saving	NOUN
fsr-4009	104	13	across	across	ADP
fsr-4009	104	14	different	different	ADJ
fsr-4009	104	15	stages	stage	NOUN
fsr-4009	104	16	of	of	ADP
fsr-4009	104	17	life	life	NOUN
fsr-4009	104	18	to	to	PART
fsr-4009	104	19	maintain	maintain	VERB
fsr-4009	104	20	a	a	DET
fsr-4009	104	21	consistent	consistent	ADJ
fsr-4009	104	22	living	living	NOUN
fsr-4009	104	23	standard	standard	NOUN
fsr-4009	104	24	.	.	PUNCT
fsr-4009	105	1	human	human	ADJ
fsr-4009	105	2	capital	capital	NOUN
fsr-4009	105	3	theory	theory	NOUN
fsr-4009	105	4	suggests	suggest	VERB
fsr-4009	105	5	that	that	SCONJ
fsr-4009	105	6	investments	investment	NOUN
fsr-4009	105	7	in	in	ADP
fsr-4009	105	8	education	education	NOUN
fsr-4009	105	9	and	and	CCONJ
fsr-4009	105	10	training	training	NOUN
fsr-4009	105	11	enhance	enhance	VERB
fsr-4009	105	12	a	a	DET
fsr-4009	105	13	person	person	NOUN
fsr-4009	105	14	’s	’s	PART
fsr-4009	105	15	skills	skill	NOUN
fsr-4009	105	16	and	and	CCONJ
fsr-4009	105	17	knowledge	knowledge	NOUN
fsr-4009	105	18	,	,	PUNCT
fsr-4009	105	19	which	which	PRON
fsr-4009	105	20	in	in	ADP
fsr-4009	105	21	turn	turn	NOUN
fsr-4009	105	22	increases	increase	VERB
fsr-4009	105	23	their	their	PRON
fsr-4009	105	24	economic	economic	ADJ
fsr-4009	105	25	productivity	productivity	NOUN
fsr-4009	105	26	and	and	CCONJ
fsr-4009	105	27	value	value	NOUN
fsr-4009	105	28	.	.	PUNCT
fsr-4009	106	1	financial	financial	ADJ
fsr-4009	106	2	literacy	literacy	NOUN
fsr-4009	106	3	,	,	PUNCT
fsr-4009	106	4	a	a	DET
fsr-4009	106	5	form	form	NOUN
fsr-4009	106	6	of	of	ADP
fsr-4009	106	7	human	human	ADJ
fsr-4009	106	8	capital	capital	NOUN
fsr-4009	106	9	,	,	PUNCT
fsr-4009	106	10	has	have	AUX
fsr-4009	106	11	been	be	AUX
fsr-4009	106	12	associated	associate	VERB
fsr-4009	106	13	with	with	ADP
fsr-4009	106	14	increased	increase	VERB
fsr-4009	106	15	retirement	retirement	NOUN
fsr-4009	106	16	preparedness	preparedness	NOUN
fsr-4009	106	17	and	and	CCONJ
fsr-4009	106	18	a	a	DET
fsr-4009	106	19	more	more	ADV
fsr-4009	106	20	proactive	proactive	ADJ
fsr-4009	106	21	approach	approach	NOUN
fsr-4009	106	22	to	to	ADP
fsr-4009	106	23	long	long	ADJ
fsr-4009	106	24	-	-	PUNCT
fsr-4009	106	25	term	term	NOUN
fsr-4009	106	26	financial	financial	ADJ
fsr-4009	106	27	planning	planning	NOUN
fsr-4009	106	28	(	(	PUNCT
fsr-4009	106	29	mitchell	mitchell	PROPN
fsr-4009	106	30	&	&	CCONJ
fsr-4009	106	31	lusardi	lusardi	PROPN
fsr-4009	106	32	,	,	PUNCT
fsr-4009	106	33	2022	2022	NUM
fsr-4009	106	34	)	)	PUNCT
fsr-4009	106	35	.	.	PUNCT
fsr-4009	107	1	building	build	VERB
fsr-4009	107	2	on	on	ADP
fsr-4009	107	3	this	this	DET
fsr-4009	107	4	theoretical	theoretical	ADJ
fsr-4009	107	5	foundation	foundation	NOUN
fsr-4009	107	6	,	,	PUNCT
fsr-4009	107	7	this	this	DET
fsr-4009	107	8	study	study	NOUN
fsr-4009	107	9	hypothesizes	hypothesize	VERB
fsr-4009	107	10	that	that	SCONJ
fsr-4009	107	11	individuals	individual	NOUN
fsr-4009	107	12	with	with	ADP
fsr-4009	107	13	higher	high	ADJ
fsr-4009	107	14	levels	level	NOUN
fsr-4009	107	15	of	of	ADP
fsr-4009	107	16	human	human	ADJ
fsr-4009	107	17	capital	capital	NOUN
fsr-4009	107	18	,	,	PUNCT
fsr-4009	107	19	measured	measure	VERB
fsr-4009	107	20	by	by	ADP
fsr-4009	107	21	objective	objective	ADJ
fsr-4009	107	22	financial	financial	ADJ
fsr-4009	107	23	literacy	literacy	NOUN
fsr-4009	107	24	,	,	PUNCT
fsr-4009	107	25	are	be	AUX
fsr-4009	107	26	more	more	ADV
fsr-4009	107	27	likely	likely	ADJ
fsr-4009	107	28	to	to	PART
fsr-4009	107	29	participate	participate	VERB
fsr-4009	107	30	in	in	ADP
fsr-4009	107	31	employer	employer	NOUN
fsr-4009	107	32	-	-	PUNCT
fsr-4009	107	33	sponsored	sponsor	VERB
fsr-4009	107	34	retirement	retirement	NOUN
fsr-4009	107	35	plans	plan	NOUN
fsr-4009	107	36	,	,	PUNCT
fsr-4009	107	37	all	all	DET
fsr-4009	107	38	else	else	ADV
fsr-4009	107	39	equal	equal	ADJ
fsr-4009	107	40	.	.	PUNCT
fsr-4009	108	1	however	however	ADV
fsr-4009	108	2	,	,	PUNCT
fsr-4009	108	3	the	the	DET
fsr-4009	108	4	returns	return	NOUN
fsr-4009	108	5	to	to	ADP
fsr-4009	108	6	financial	financial	ADJ
fsr-4009	108	7	literacy	literacy	NOUN
fsr-4009	108	8	may	may	AUX
fsr-4009	108	9	differ	differ	VERB
fsr-4009	108	10	between	between	ADP
fsr-4009	108	11	men	man	NOUN
fsr-4009	108	12	and	and	CCONJ
fsr-4009	108	13	women	woman	NOUN
fsr-4009	108	14	due	due	ADP
fsr-4009	108	15	to	to	ADP
fsr-4009	108	16	discrimination	discrimination	NOUN
fsr-4009	108	17	or	or	CCONJ
fsr-4009	108	18	to	to	PART
fsr-4009	108	19	unmeasured	unmeasured	ADJ
fsr-4009	108	20	factors	factor	NOUN
fsr-4009	108	21	correlated	correlate	VERB
fsr-4009	108	22	with	with	ADP
fsr-4009	108	23	measured	measured	ADJ
fsr-4009	108	24	ones	one	NOUN
fsr-4009	108	25	.	.	PUNCT
fsr-4009	109	1	the	the	DET
fsr-4009	109	2	use	use	NOUN
fsr-4009	109	3	of	of	ADP
fsr-4009	109	4	oaxaca	oaxaca	PROPN
fsr-4009	109	5	decomposition	decomposition	NOUN
fsr-4009	109	6	allows	allow	VERB
fsr-4009	109	7	separation	separation	NOUN
fsr-4009	109	8	of	of	ADP
fsr-4009	109	9	these	these	DET
fsr-4009	109	10	differences	difference	NOUN
fsr-4009	109	11	into	into	ADP
fsr-4009	109	12	two	two	NUM
fsr-4009	109	13	parts	part	NOUN
fsr-4009	109	14	:	:	PUNCT
fsr-4009	109	15	one	one	NUM
fsr-4009	109	16	based	base	VERB
fsr-4009	109	17	on	on	ADP
fsr-4009	109	18	levels	level	NOUN
fsr-4009	109	19	of	of	ADP
fsr-4009	109	20	financial	financial	ADJ
fsr-4009	109	21	literacy	literacy	NOUN
fsr-4009	109	22	(	(	PUNCT
fsr-4009	109	23	explained	explain	VERB
fsr-4009	109	24	)	)	PUNCT
fsr-4009	109	25	,	,	PUNCT
fsr-4009	109	26	and	and	CCONJ
fsr-4009	109	27	the	the	DET
fsr-4009	109	28	other	other	ADJ
fsr-4009	109	29	based	base	VERB
fsr-4009	109	30	on	on	ADP
fsr-4009	109	31	the	the	DET
fsr-4009	109	32	return	return	NOUN
fsr-4009	109	33	to	to	ADP
fsr-4009	109	34	financial	financial	ADJ
fsr-4009	109	35	literacy	literacy	NOUN
fsr-4009	109	36	(	(	PUNCT
fsr-4009	109	37	unexplained	unexplained	ADJ
fsr-4009	109	38	)	)	PUNCT
fsr-4009	109	39	.	.	PUNCT
fsr-4009	110	1	the	the	DET
fsr-4009	110	2	association	association	NOUN
fsr-4009	110	3	between	between	ADP
fsr-4009	110	4	age	age	NOUN
fsr-4009	110	5	and	and	CCONJ
fsr-4009	110	6	participating	participate	VERB
fsr-4009	110	7	in	in	ADP
fsr-4009	110	8	an	an	DET
fsr-4009	110	9	employer	employer	NOUN
fsr-4009	110	10	-	-	PUNCT
fsr-4009	110	11	sponsored	sponsor	VERB
fsr-4009	110	12	,	,	PUNCT
fsr-4009	110	13	retirement	retirement	NOUN
fsr-4009	110	14	-	-	PUNCT
fsr-4009	110	15	savings	saving	NOUN
fsr-4009	110	16	account	account	NOUN
fsr-4009	110	17	is	be	AUX
fsr-4009	110	18	expected	expect	VERB
fsr-4009	110	19	to	to	PART
fsr-4009	110	20	be	be	AUX
fsr-4009	110	21	positive	positive	ADJ
fsr-4009	110	22	.	.	PUNCT
fsr-4009	111	1	young	young	ADJ
fsr-4009	111	2	adults	adult	NOUN
fsr-4009	111	3	usually	usually	ADV
fsr-4009	111	4	have	have	VERB
fsr-4009	111	5	more	more	ADJ
fsr-4009	111	6	liquidity	liquidity	NOUN
fsr-4009	111	7	constraints	constraint	NOUN
fsr-4009	111	8	and	and	CCONJ
fsr-4009	111	9	a	a	DET
fsr-4009	111	10	lower	low	ADJ
fsr-4009	111	11	likelihood	likelihood	NOUN
fsr-4009	111	12	of	of	ADP
fsr-4009	111	13	saving	save	VERB
fsr-4009	111	14	for	for	ADP
fsr-4009	111	15	retirement	retirement	NOUN
fsr-4009	111	16	than	than	ADP
fsr-4009	111	17	older	old	ADJ
fsr-4009	111	18	adults	adult	NOUN
fsr-4009	111	19	.	.	PUNCT
fsr-4009	112	1	the	the	DET
fsr-4009	112	2	respondent	respondent	NOUN
fsr-4009	112	3	’s	’s	PART
fsr-4009	112	4	level	level	NOUN
fsr-4009	112	5	of	of	ADP
fsr-4009	112	6	education	education	NOUN
fsr-4009	112	7	is	be	AUX
fsr-4009	112	8	expected	expect	VERB
fsr-4009	112	9	to	to	PART
fsr-4009	112	10	be	be	AUX
fsr-4009	112	11	related	relate	VERB
fsr-4009	112	12	positively	positively	ADV
fsr-4009	112	13	to	to	ADP
fsr-4009	112	14	participating	participate	VERB
fsr-4009	112	15	in	in	ADP
fsr-4009	112	16	an	an	DET
fsr-4009	112	17	employer	employer	NOUN
fsr-4009	112	18	-	-	PUNCT
fsr-4009	112	19	sponsored	sponsor	VERB
fsr-4009	112	20	,	,	PUNCT
fsr-4009	112	21	retirement	retirement	NOUN
fsr-4009	112	22	-	-	PUNCT
fsr-4009	112	23	savings	saving	NOUN
fsr-4009	112	24	account	account	NOUN
fsr-4009	112	25	.	.	PUNCT
fsr-4009	113	1	highly	highly	ADV
fsr-4009	113	2	educated	educate	VERB
fsr-4009	113	3	individuals	individual	NOUN
fsr-4009	113	4	can	can	AUX
fsr-4009	113	5	make	make	VERB
fsr-4009	113	6	better	well	ADJ
fsr-4009	113	7	financial	financial	ADJ
fsr-4009	113	8	decisions	decision	NOUN
fsr-4009	113	9	than	than	ADP
fsr-4009	113	10	less	less	ADV
fsr-4009	113	11	educated	educate	VERB
fsr-4009	113	12	individuals	individual	NOUN
fsr-4009	113	13	.	.	PUNCT
fsr-4009	114	1	as	as	ADP
fsr-4009	114	2	the	the	DET
fsr-4009	114	3	individual	individual	NOUN
fsr-4009	114	4	’s	’s	PART
fsr-4009	114	5	level	level	NOUN
fsr-4009	114	6	of	of	ADP
fsr-4009	114	7	education	education	NOUN
fsr-4009	114	8	increases	increase	NOUN
fsr-4009	114	9	,	,	PUNCT
fsr-4009	114	10	the	the	DET
fsr-4009	114	11	likelihood	likelihood	NOUN
fsr-4009	114	12	of	of	ADP
fsr-4009	114	13	participating	participate	VERB
fsr-4009	114	14	in	in	ADP
fsr-4009	114	15	an	an	DET
fsr-4009	114	16	employersponsored	employersponsored	ADJ
fsr-4009	114	17	,	,	PUNCT
fsr-4009	114	18	retirement	retirement	NOUN
fsr-4009	114	19	-	-	PUNCT
fsr-4009	114	20	savings	saving	NOUN
fsr-4009	114	21	account	account	NOUN
fsr-4009	114	22	may	may	AUX
fsr-4009	114	23	increase	increase	VERB
fsr-4009	114	24	.	.	PUNCT
fsr-4009	115	1	white	white	PROPN
fsr-4009	115	2	is	be	AUX
fsr-4009	115	3	a	a	DET
fsr-4009	115	4	proxy	proxy	NOUN
fsr-4009	115	5	for	for	ADP
fsr-4009	115	6	preferences	preference	NOUN
fsr-4009	115	7	and	and	CCONJ
fsr-4009	115	8	constraints	constraint	NOUN
fsr-4009	115	9	that	that	PRON
fsr-4009	115	10	can	can	AUX
fsr-4009	115	11	not	not	PART
fsr-4009	115	12	be	be	AUX
fsr-4009	115	13	given	give	VERB
fsr-4009	115	14	a	a	DET
fsr-4009	115	15	sign	sign	NOUN
fsr-4009	115	16	a	a	PRON
fsr-4009	115	17	priori	priori	ADV
fsr-4009	115	18	.	.	PUNCT
fsr-4009	116	1	owning	own	VERB
fsr-4009	116	2	a	a	DET
fsr-4009	116	3	home	home	NOUN
fsr-4009	116	4	often	often	ADV
fsr-4009	116	5	indicates	indicate	VERB
fsr-4009	116	6	greater	great	ADJ
fsr-4009	116	7	financial	financial	ADJ
fsr-4009	116	8	stability	stability	NOUN
fsr-4009	116	9	and	and	CCONJ
fsr-4009	116	10	long	long	ADJ
fsr-4009	116	11	-	-	PUNCT
fsr-4009	116	12	term	term	NOUN
fsr-4009	116	13	planning	planning	NOUN
fsr-4009	116	14	,	,	PUNCT
fsr-4009	116	15	which	which	PRON
fsr-4009	116	16	can	can	AUX
fsr-4009	116	17	encourage	encourage	VERB
fsr-4009	116	18	individuals	individual	NOUN
fsr-4009	116	19	to	to	PART
fsr-4009	116	20	be	be	AUX
fsr-4009	116	21	more	more	ADV
fsr-4009	116	22	proactive	proactive	ADJ
fsr-4009	116	23	about	about	ADP
fsr-4009	116	24	retirement	retirement	NOUN
fsr-4009	116	25	planning	planning	NOUN
fsr-4009	116	26	.	.	PUNCT
fsr-4009	117	1	therefore	therefore	ADV
fsr-4009	117	2	,	,	PUNCT
fsr-4009	117	3	homeownership	homeownership	NOUN
fsr-4009	117	4	is	be	AUX
fsr-4009	117	5	expected	expect	VERB
fsr-4009	117	6	to	to	PART
fsr-4009	117	7	have	have	VERB
fsr-4009	117	8	a	a	DET
fsr-4009	117	9	positive	positive	ADJ
fsr-4009	117	10	relationship	relationship	NOUN
fsr-4009	117	11	with	with	ADP
fsr-4009	117	12	participation	participation	NOUN
fsr-4009	117	13	in	in	ADP
fsr-4009	117	14	employer	employer	NOUN
fsr-4009	117	15	-	-	PUNCT
fsr-4009	117	16	sponsored	sponsor	VERB
fsr-4009	117	17	retirement	retirement	NOUN
fsr-4009	117	18	-	-	PUNCT
fsr-4009	117	19	savings	saving	NOUN
fsr-4009	117	20	accounts	account	NOUN
fsr-4009	117	21	.	.	PUNCT
fsr-4009	118	1	higher	high	ADJ
fsr-4009	118	2	-	-	PUNCT
fsr-4009	118	3	income	income	NOUN
fsr-4009	118	4	increases	increase	VERB
fsr-4009	118	5	the	the	DET
fsr-4009	118	6	financial	financial	ADJ
fsr-4009	118	7	resources	resource	NOUN
fsr-4009	118	8	available	available	ADJ
fsr-4009	118	9	to	to	ADP
fsr-4009	118	10	the	the	DET
fsr-4009	118	11	respondents	respondent	NOUN
fsr-4009	118	12	to	to	PART
fsr-4009	118	13	save	save	VERB
fsr-4009	118	14	for	for	ADP
fsr-4009	118	15	retirement	retirement	NOUN
fsr-4009	118	16	.	.	PUNCT
fsr-4009	119	1	therefore	therefore	ADV
fsr-4009	119	2	,	,	PUNCT
fsr-4009	119	3	a	a	DET
fsr-4009	119	4	household	household	NOUN
fsr-4009	119	5	’s	’s	PART
fsr-4009	119	6	annual	annual	ADJ
fsr-4009	119	7	income	income	NOUN
fsr-4009	119	8	is	be	AUX
fsr-4009	119	9	expected	expect	VERB
fsr-4009	119	10	to	to	PART
fsr-4009	119	11	be	be	AUX
fsr-4009	119	12	related	relate	VERB
fsr-4009	119	13	positively	positively	ADV
fsr-4009	119	14	to	to	ADP
fsr-4009	119	15	participating	participate	VERB
fsr-4009	119	16	in	in	ADP
fsr-4009	119	17	an	an	DET
fsr-4009	119	18	employer	employer	NOUN
fsr-4009	119	19	-	-	PUNCT
fsr-4009	119	20	sponsored	sponsor	VERB
fsr-4009	119	21	,	,	PUNCT
fsr-4009	119	22	retirement	retirement	NOUN
fsr-4009	119	23	-	-	PUNCT
fsr-4009	119	24	savings	saving	NOUN
fsr-4009	119	25	account	account	NOUN
fsr-4009	119	26	.	.	PUNCT
fsr-4009	120	1	ownership	ownership	NOUN
fsr-4009	120	2	of	of	ADP
fsr-4009	120	3	financial	financial	ADJ
fsr-4009	120	4	assets	asset	NOUN
fsr-4009	120	5	is	be	AUX
fsr-4009	120	6	influenced	influence	VERB
fsr-4009	120	7	by	by	ADP
fsr-4009	120	8	risk	risk	NOUN
fsr-4009	120	9	tolerance	tolerance	NOUN
fsr-4009	120	10	,	,	PUNCT
fsr-4009	120	11	as	as	SCONJ
fsr-4009	120	12	financial	financial	ADJ
fsr-4009	120	13	assets	asset	NOUN
fsr-4009	120	14	are	be	AUX
fsr-4009	120	15	often	often	ADV
fsr-4009	120	16	risky	risky	ADJ
fsr-4009	120	17	(	(	PUNCT
fsr-4009	120	18	nguyen	nguyen	NOUN
fsr-4009	120	19	,	,	PUNCT
fsr-4009	120	20	2015	2015	NUM
fsr-4009	120	21	)	)	PUNCT
fsr-4009	120	22	.	.	PUNCT
fsr-4009	121	1	therefore	therefore	ADV
fsr-4009	121	2	,	,	PUNCT
fsr-4009	121	3	financial	financial	ADJ
fsr-4009	121	4	risk	risk	NOUN
fsr-4009	121	5	tolerance	tolerance	NOUN
fsr-4009	121	6	is	be	AUX
fsr-4009	121	7	expected	expect	VERB
fsr-4009	121	8	to	to	PART
fsr-4009	121	9	have	have	VERB
fsr-4009	121	10	a	a	DET
fsr-4009	121	11	positive	positive	ADJ
fsr-4009	121	12	relationship	relationship	NOUN
fsr-4009	121	13	with	with	ADP
fsr-4009	121	14	participating	participate	VERB
fsr-4009	121	15	in	in	ADP
fsr-4009	121	16	an	an	DET
fsr-4009	121	17	employer	employer	NOUN
fsr-4009	121	18	-	-	PUNCT
fsr-4009	121	19	sponsored	sponsor	VERB
fsr-4009	121	20	retirement	retirement	NOUN
fsr-4009	121	21	savings	saving	NOUN
fsr-4009	121	22	account	account	NOUN
fsr-4009	121	23	.	.	PUNCT
fsr-4009	122	1	data	datum	NOUN
fsr-4009	122	2	this	this	DET
fsr-4009	122	3	paper	paper	NOUN
fsr-4009	122	4	uses	use	VERB
fsr-4009	122	5	data	datum	NOUN
fsr-4009	122	6	from	from	ADP
fsr-4009	122	7	the	the	DET
fsr-4009	122	8	2021	2021	NUM
fsr-4009	122	9	national	national	ADJ
fsr-4009	122	10	financial	financial	ADJ
fsr-4009	122	11	capability	capability	NOUN
fsr-4009	122	12	study	study	NOUN
fsr-4009	122	13	(	(	PUNCT
fsr-4009	122	14	nfcs	nfc	NOUN
fsr-4009	122	15	)	)	PUNCT
fsr-4009	122	16	.	.	PUNCT
fsr-4009	123	1	the	the	DET
fsr-4009	123	2	nfcs	nfcs	PROPN
fsr-4009	123	3	is	be	AUX
fsr-4009	123	4	a	a	DET
fsr-4009	123	5	project	project	NOUN
fsr-4009	123	6	of	of	ADP
fsr-4009	123	7	the	the	DET
fsr-4009	123	8	finra	finra	PROPN
fsr-4009	123	9	investor	investor	PROPN
fsr-4009	123	10	education	education	PROPN
fsr-4009	123	11	foundation	foundation	PROPN
fsr-4009	123	12	.	.	PUNCT
fsr-4009	124	1	the	the	DET
fsr-4009	124	2	online	online	ADJ
fsr-4009	124	3	state	state	NOUN
fsr-4009	124	4	-	-	PUNCT
fsr-4009	124	5	by	by	ADP
fsr-4009	124	6	-	-	PUNCT
fsr-4009	124	7	state	state	NOUN
fsr-4009	124	8	survey	survey	NOUN
fsr-4009	124	9	was	be	AUX
fsr-4009	124	10	administered	administer	VERB
fsr-4009	124	11	from	from	ADP
fsr-4009	124	12	june	june	PROPN
fsr-4009	124	13	through	through	ADP
fsr-4009	124	14	october	october	PROPN
fsr-4009	124	15	2021	2021	NUM
fsr-4009	124	16	to	to	ADP
fsr-4009	124	17	a	a	DET
fsr-4009	124	18	sample	sample	NOUN
fsr-4009	124	19	of	of	ADP
fsr-4009	124	20	27,118	27,118	NUM
fsr-4009	124	21	american	american	ADJ
fsr-4009	124	22	adults	adult	NOUN
fsr-4009	124	23	.	.	PUNCT
fsr-4009	125	1	the	the	DET
fsr-4009	125	2	survey	survey	NOUN
fsr-4009	125	3	includes	include	VERB
fsr-4009	125	4	approximately	approximately	ADV
fsr-4009	125	5	500	500	NUM
fsr-4009	125	6	respondents	respondent	NOUN
fsr-4009	125	7	per	per	ADP
fsr-4009	125	8	state	state	NOUN
fsr-4009	125	9	,	,	PUNCT
fsr-4009	125	10	including	include	VERB
fsr-4009	125	11	the	the	DET
fsr-4009	125	12	district	district	NOUN
fsr-4009	125	13	of	of	ADP
fsr-4009	125	14	columbia	columbia	PROPN
fsr-4009	125	15	.	.	PUNCT
fsr-4009	126	1	weights	weight	NOUN
fsr-4009	126	2	are	be	AUX
fsr-4009	126	3	provided	provide	VERB
fsr-4009	126	4	to	to	PART
fsr-4009	126	5	make	make	VERB
fsr-4009	126	6	estimates	estimate	NOUN
fsr-4009	126	7	from	from	ADP
fsr-4009	126	8	the	the	DET
fsr-4009	126	9	data	datum	NOUN
fsr-4009	126	10	nationally	nationally	ADV
fsr-4009	126	11	representative	representative	NOUN
fsr-4009	126	12	.	.	PUNCT
fsr-4009	127	1	in	in	ADP
fsr-4009	127	2	2009	2009	NUM
fsr-4009	127	3	,	,	PUNCT
fsr-4009	127	4	the	the	DET
fsr-4009	127	5	finra	finra	PROPN
fsr-4009	127	6	investor	investor	PROPN
fsr-4009	127	7	education	education	PROPN
fsr-4009	127	8	foundation	foundation	PROPN
fsr-4009	127	9	commissioned	commission	VERB
fsr-4009	127	10	the	the	DET
fsr-4009	127	11	first	first	ADJ
fsr-4009	127	12	nationwide	nationwide	ADJ
fsr-4009	127	13	study	study	NOUN
fsr-4009	127	14	to	to	PART
fsr-4009	127	15	assess	assess	VERB
fsr-4009	127	16	the	the	DET
fsr-4009	127	17	financial	financial	ADJ
fsr-4009	127	18	capability	capability	NOUN
fsr-4009	127	19	of	of	ADP
fsr-4009	127	20	american	american	ADJ
fsr-4009	127	21	adults	adult	NOUN
fsr-4009	127	22	.	.	PUNCT
fsr-4009	128	1	the	the	DET
fsr-4009	128	2	primary	primary	ADJ
fsr-4009	128	3	goals	goal	NOUN
fsr-4009	128	4	of	of	ADP
fsr-4009	128	5	the	the	DET
fsr-4009	128	6	nfcs	nfc	NOUN
fsr-4009	128	7	ahmmed	ahmmed	PROPN
fsr-4009	128	8	et	et	PROPN
fsr-4009	128	9	al	al	PROPN
fsr-4009	128	10	.	.	PROPN
fsr-4009	128	11	149	149	NUM
fsr-4009	128	12	study	study	NOUN
fsr-4009	128	13	are	be	AUX
fsr-4009	128	14	to	to	PART
fsr-4009	128	15	establish	establish	VERB
fsr-4009	128	16	benchmark	benchmark	ADJ
fsr-4009	128	17	indicators	indicator	NOUN
fsr-4009	128	18	of	of	ADP
fsr-4009	128	19	financial	financial	ADJ
fsr-4009	128	20	capability	capability	NOUN
fsr-4009	128	21	and	and	CCONJ
fsr-4009	128	22	examine	examine	VERB
fsr-4009	128	23	the	the	DET
fsr-4009	128	24	variations	variation	NOUN
fsr-4009	128	25	of	of	ADP
fsr-4009	128	26	these	these	DET
fsr-4009	128	27	indicators	indicator	NOUN
fsr-4009	128	28	with	with	ADP
fsr-4009	128	29	underlying	underlie	VERB
fsr-4009	128	30	demographic	demographic	ADJ
fsr-4009	128	31	,	,	PUNCT
fsr-4009	128	32	behavioral	behavioral	ADJ
fsr-4009	128	33	,	,	PUNCT
fsr-4009	128	34	attitudinal	attitudinal	ADJ
fsr-4009	128	35	,	,	PUNCT
fsr-4009	128	36	and	and	CCONJ
fsr-4009	128	37	financial	financial	ADJ
fsr-4009	128	38	literacy	literacy	NOUN
fsr-4009	128	39	characteristics	characteristic	NOUN
fsr-4009	128	40	.	.	PUNCT
fsr-4009	129	1	the	the	DET
fsr-4009	129	2	analysis	analysis	NOUN
fsr-4009	129	3	in	in	ADP
fsr-4009	129	4	this	this	DET
fsr-4009	129	5	paper	paper	NOUN
fsr-4009	129	6	focuses	focus	VERB
fsr-4009	129	7	on	on	ADP
fsr-4009	129	8	single	single	ADJ
fsr-4009	129	9	,	,	PUNCT
fsr-4009	129	10	employed	employ	VERB
fsr-4009	129	11	individuals	individual	NOUN
fsr-4009	129	12	and	and	CCONJ
fsr-4009	129	13	excludes	exclude	VERB
fsr-4009	129	14	observations	observation	NOUN
fsr-4009	129	15	from	from	ADP
fsr-4009	129	16	the	the	DET
fsr-4009	129	17	sample	sample	NOUN
fsr-4009	129	18	with	with	ADP
fsr-4009	129	19	the	the	DET
fsr-4009	129	20	responses	response	NOUN
fsr-4009	129	21	"	"	PUNCT
fsr-4009	129	22	do	do	AUX
fsr-4009	129	23	n't	not	PART
fsr-4009	129	24	know	know	VERB
fsr-4009	129	25	"	"	PUNCT
fsr-4009	129	26	and	and	CCONJ
fsr-4009	129	27	"	"	PUNCT
fsr-4009	129	28	prefer	prefer	VERB
fsr-4009	129	29	not	not	PART
fsr-4009	129	30	to	to	PART
fsr-4009	129	31	say	say	VERB
fsr-4009	129	32	"	"	PUNCT
fsr-4009	129	33	to	to	ADP
fsr-4009	129	34	the	the	DET
fsr-4009	129	35	financial	financial	ADJ
fsr-4009	129	36	literacy	literacy	NOUN
fsr-4009	129	37	,	,	PUNCT
fsr-4009	129	38	risk	risk	NOUN
fsr-4009	129	39	tolerance	tolerance	NOUN
fsr-4009	129	40	,	,	PUNCT
fsr-4009	129	41	homeownership	homeownership	NOUN
fsr-4009	129	42	,	,	PUNCT
fsr-4009	129	43	and	and	CCONJ
fsr-4009	129	44	retirementsavings	retirementsaving	VERB
fsr-4009	129	45	questions	question	NOUN
fsr-4009	129	46	.	.	PUNCT
fsr-4009	130	1	observations	observation	NOUN
fsr-4009	130	2	with	with	ADP
fsr-4009	130	3	missing	missing	ADJ
fsr-4009	130	4	or	or	CCONJ
fsr-4009	130	5	non	non	ADJ
fsr-4009	130	6	-	-	ADJ
fsr-4009	130	7	informative	informative	ADJ
fsr-4009	130	8	responses	response	NOUN
fsr-4009	130	9	,	,	PUNCT
fsr-4009	130	10	such	such	ADJ
fsr-4009	130	11	as	as	ADP
fsr-4009	130	12	“	"	PUNCT
fsr-4009	130	13	do	do	AUX
fsr-4009	130	14	n’t	not	PART
fsr-4009	130	15	know	know	VERB
fsr-4009	130	16	”	"	PUNCT
fsr-4009	130	17	or	or	CCONJ
fsr-4009	130	18	“	"	PUNCT
fsr-4009	130	19	prefer	prefer	VERB
fsr-4009	130	20	not	not	PART
fsr-4009	130	21	to	to	PART
fsr-4009	130	22	say	say	VERB
fsr-4009	130	23	”	"	PUNCT
fsr-4009	130	24	were	be	AUX
fsr-4009	130	25	excluded	exclude	VERB
fsr-4009	130	26	from	from	ADP
fsr-4009	130	27	the	the	DET
fsr-4009	130	28	analysis	analysis	NOUN
fsr-4009	130	29	.	.	PUNCT
fsr-4009	131	1	these	these	DET
fsr-4009	131	2	responses	response	NOUN
fsr-4009	131	3	do	do	AUX
fsr-4009	131	4	not	not	PART
fsr-4009	131	5	contribute	contribute	VERB
fsr-4009	131	6	to	to	ADP
fsr-4009	131	7	measuring	measure	VERB
fsr-4009	131	8	financial	financial	ADJ
fsr-4009	131	9	literacy	literacy	NOUN
fsr-4009	131	10	scores	score	NOUN
fsr-4009	131	11	or	or	CCONJ
fsr-4009	131	12	estimating	estimate	VERB
fsr-4009	131	13	risk	risk	NOUN
fsr-4009	131	14	tolerance	tolerance	NOUN
fsr-4009	131	15	and	and	CCONJ
fsr-4009	131	16	other	other	ADJ
fsr-4009	131	17	categorical	categorical	ADJ
fsr-4009	131	18	variables	variable	NOUN
fsr-4009	131	19	.	.	PUNCT
fsr-4009	132	1	this	this	DET
fsr-4009	132	2	approach	approach	NOUN
fsr-4009	132	3	is	be	AUX
fsr-4009	132	4	consistent	consistent	ADJ
fsr-4009	132	5	with	with	ADP
fsr-4009	132	6	previous	previous	ADJ
fsr-4009	132	7	studies	study	NOUN
fsr-4009	132	8	using	use	VERB
fsr-4009	132	9	nfcs	nfcs	ADJ
fsr-4009	132	10	data	datum	NOUN
fsr-4009	132	11	(	(	PUNCT
fsr-4009	132	12	olajide	olajide	NOUN
fsr-4009	132	13	et	et	PROPN
fsr-4009	132	14	al	al	PROPN
fsr-4009	132	15	.	.	PROPN
fsr-4009	132	16	,	,	PUNCT
fsr-4009	132	17	2024	2024	NUM
fsr-4009	132	18	;	;	PUNCT
fsr-4009	132	19	pandey	pandey	PROPN
fsr-4009	132	20	&	&	CCONJ
fsr-4009	132	21	guillemette	guillemette	PROPN
fsr-4009	132	22	,	,	PUNCT
fsr-4009	132	23	2024	2024	NUM
fsr-4009	132	24	)	)	PUNCT
fsr-4009	132	25	.	.	PUNCT
fsr-4009	133	1	missing	miss	VERB
fsr-4009	133	2	data	datum	NOUN
fsr-4009	133	3	were	be	AUX
fsr-4009	133	4	not	not	PART
fsr-4009	133	5	imputed	impute	VERB
fsr-4009	133	6	,	,	PUNCT
fsr-4009	133	7	as	as	SCONJ
fsr-4009	133	8	most	most	ADJ
fsr-4009	133	9	variables	variable	NOUN
fsr-4009	133	10	are	be	AUX
fsr-4009	133	11	categorical	categorical	ADJ
fsr-4009	133	12	and	and	CCONJ
fsr-4009	133	13	imputing	impute	VERB
fsr-4009	133	14	them	they	PRON
fsr-4009	133	15	would	would	AUX
fsr-4009	133	16	introduce	introduce	VERB
fsr-4009	133	17	additional	additional	ADJ
fsr-4009	133	18	,	,	PUNCT
fsr-4009	133	19	potentially	potentially	ADV
fsr-4009	133	20	untenable	untenable	ADJ
fsr-4009	133	21	,	,	PUNCT
fsr-4009	133	22	assumptions	assumption	NOUN
fsr-4009	133	23	.	.	PUNCT
fsr-4009	134	1	this	this	DET
fsr-4009	134	2	study	study	NOUN
fsr-4009	134	3	also	also	ADV
fsr-4009	134	4	excludes	exclude	VERB
fsr-4009	134	5	self	self	NOUN
fsr-4009	134	6	-	-	PUNCT
fsr-4009	134	7	employed	employ	VERB
fsr-4009	134	8	individuals	individual	NOUN
fsr-4009	134	9	as	as	SCONJ
fsr-4009	134	10	they	they	PRON
fsr-4009	134	11	are	be	AUX
fsr-4009	134	12	less	less	ADV
fsr-4009	134	13	likely	likely	ADJ
fsr-4009	134	14	to	to	PART
fsr-4009	134	15	have	have	VERB
fsr-4009	134	16	a	a	DET
fsr-4009	134	17	retirement	retirement	NOUN
fsr-4009	134	18	plan	plan	NOUN
fsr-4009	134	19	through	through	ADP
fsr-4009	134	20	their	their	PRON
fsr-4009	134	21	employer	employer	NOUN
fsr-4009	134	22	.	.	PUNCT
fsr-4009	135	1	to	to	PART
fsr-4009	135	2	abstract	abstract	VERB
fsr-4009	135	3	from	from	ADP
fsr-4009	135	4	the	the	DET
fsr-4009	135	5	hours	hour	NOUN
fsr-4009	135	6	of	of	ADP
fsr-4009	135	7	work	work	NOUN
fsr-4009	135	8	decision	decision	NOUN
fsr-4009	135	9	,	,	PUNCT
fsr-4009	135	10	a	a	DET
fsr-4009	135	11	sensitivity	sensitivity	NOUN
fsr-4009	135	12	analysis	analysis	NOUN
fsr-4009	135	13	is	be	AUX
fsr-4009	135	14	performed	perform	VERB
fsr-4009	135	15	on	on	ADP
fsr-4009	135	16	the	the	DET
fsr-4009	135	17	subsample	subsample	NOUN
fsr-4009	135	18	of	of	ADP
fsr-4009	135	19	full	full	ADJ
fsr-4009	135	20	-	-	PUNCT
fsr-4009	135	21	time	time	NOUN
fsr-4009	135	22	employed	employ	VERB
fsr-4009	135	23	individuals	individual	NOUN
fsr-4009	135	24	.	.	PUNCT
fsr-4009	136	1	the	the	DET
fsr-4009	136	2	analysis	analysis	NOUN
fsr-4009	136	3	sample	sample	NOUN
fsr-4009	136	4	size	size	NOUN
fsr-4009	136	5	is	be	AUX
fsr-4009	136	6	4,136	4,136	NUM
fsr-4009	136	7	.	.	PUNCT
fsr-4009	137	1	table	table	NOUN
fsr-4009	137	2	1	1	NUM
fsr-4009	137	3	presents	present	NOUN
fsr-4009	137	4	comparisons	comparison	NOUN
fsr-4009	137	5	of	of	ADP
fsr-4009	137	6	the	the	DET
fsr-4009	137	7	means	mean	NOUN
fsr-4009	137	8	of	of	ADP
fsr-4009	137	9	demographic	demographic	ADJ
fsr-4009	137	10	variables	variable	NOUN
fsr-4009	137	11	across	across	ADP
fsr-4009	137	12	the	the	DET
fsr-4009	137	13	full	full	ADJ
fsr-4009	137	14	and	and	CCONJ
fsr-4009	137	15	analysis	analysis	NOUN
fsr-4009	137	16	samples	sample	NOUN
fsr-4009	137	17	to	to	PART
fsr-4009	137	18	show	show	VERB
fsr-4009	137	19	the	the	DET
fsr-4009	137	20	representativeness	representativeness	NOUN
fsr-4009	137	21	of	of	ADP
fsr-4009	137	22	the	the	DET
fsr-4009	137	23	analysis	analysis	NOUN
fsr-4009	137	24	sample	sample	NOUN
fsr-4009	137	25	.	.	PUNCT
fsr-4009	138	1	there	there	PRON
fsr-4009	138	2	are	be	VERB
fsr-4009	138	3	some	some	DET
fsr-4009	138	4	statistically	statistically	ADV
fsr-4009	138	5	different	different	ADJ
fsr-4009	138	6	means	mean	NOUN
fsr-4009	138	7	between	between	ADP
fsr-4009	138	8	the	the	DET
fsr-4009	138	9	full	full	ADJ
fsr-4009	138	10	and	and	CCONJ
fsr-4009	138	11	analysis	analysis	NOUN
fsr-4009	138	12	samples	sample	NOUN
fsr-4009	138	13	.	.	PUNCT
fsr-4009	139	1	these	these	PRON
fsr-4009	139	2	are	be	AUX
fsr-4009	139	3	for	for	ADP
fsr-4009	139	4	the	the	DET
fsr-4009	139	5	female	female	ADJ
fsr-4009	139	6	and	and	CCONJ
fsr-4009	139	7	white	white	ADJ
fsr-4009	139	8	variable	variable	NOUN
fsr-4009	139	9	.	.	PUNCT
fsr-4009	140	1	seventy	seventy	NUM
fsr-4009	140	2	one	one	NUM
fsr-4009	140	3	percent	percent	NOUN
fsr-4009	140	4	of	of	ADP
fsr-4009	140	5	the	the	DET
fsr-4009	140	6	full	full	ADJ
fsr-4009	140	7	sample	sample	NOUN
fsr-4009	140	8	consists	consist	VERB
fsr-4009	140	9	of	of	ADP
fsr-4009	140	10	white	white	ADJ
fsr-4009	140	11	individuals	individual	NOUN
fsr-4009	140	12	,	,	PUNCT
fsr-4009	140	13	whereas	whereas	SCONJ
fsr-4009	140	14	61	61	NUM
fsr-4009	140	15	%	%	NOUN
fsr-4009	140	16	of	of	ADP
fsr-4009	140	17	the	the	DET
fsr-4009	140	18	analysis	analysis	NOUN
fsr-4009	140	19	sample	sample	NOUN
fsr-4009	140	20	is	be	AUX
fsr-4009	140	21	white	white	ADJ
fsr-4009	140	22	.	.	PUNCT
fsr-4009	141	1	fifty	fifty	NUM
fsr-4009	141	2	one	one	NUM
fsr-4009	141	3	percent	percent	NOUN
fsr-4009	141	4	of	of	ADP
fsr-4009	141	5	full	full	ADJ
fsr-4009	141	6	sample	sample	NOUN
fsr-4009	141	7	is	be	AUX
fsr-4009	141	8	female	female	ADJ
fsr-4009	141	9	,	,	PUNCT
fsr-4009	141	10	whereas	whereas	SCONJ
fsr-4009	141	11	49	49	NUM
fsr-4009	141	12	%	%	NOUN
fsr-4009	141	13	of	of	ADP
fsr-4009	141	14	the	the	DET
fsr-4009	141	15	analysis	analysis	NOUN
fsr-4009	141	16	sample	sample	NOUN
fsr-4009	141	17	is	be	AUX
fsr-4009	141	18	female	female	ADJ
fsr-4009	141	19	.	.	PUNCT
fsr-4009	142	1	because	because	SCONJ
fsr-4009	142	2	this	this	DET
fsr-4009	142	3	paper	paper	NOUN
fsr-4009	142	4	examines	examine	VERB
fsr-4009	142	5	how	how	SCONJ
fsr-4009	142	6	differences	difference	NOUN
fsr-4009	142	7	between	between	ADP
fsr-4009	142	8	men	man	NOUN
fsr-4009	142	9	and	and	CCONJ
fsr-4009	142	10	women	woman	NOUN
fsr-4009	142	11	in	in	ADP
fsr-4009	142	12	the	the	DET
fsr-4009	142	13	explanatory	explanatory	ADJ
fsr-4009	142	14	variables	variable	NOUN
fsr-4009	142	15	(	(	PUNCT
fsr-4009	142	16	financial	financial	ADJ
fsr-4009	142	17	literacy	literacy	NOUN
fsr-4009	142	18	,	,	PUNCT
fsr-4009	142	19	risk	risk	NOUN
fsr-4009	142	20	tolerance	tolerance	NOUN
fsr-4009	142	21	,	,	PUNCT
fsr-4009	142	22	and	and	CCONJ
fsr-4009	142	23	other	other	ADJ
fsr-4009	142	24	demographic	demographic	ADJ
fsr-4009	142	25	and	and	CCONJ
fsr-4009	142	26	economic	economic	ADJ
fsr-4009	142	27	variables	variable	NOUN
fsr-4009	142	28	)	)	PUNCT
fsr-4009	142	29	and	and	CCONJ
fsr-4009	142	30	differences	difference	NOUN
fsr-4009	142	31	in	in	ADP
fsr-4009	142	32	the	the	DET
fsr-4009	142	33	returns	return	NOUN
fsr-4009	142	34	to	to	ADP
fsr-4009	142	35	each	each	DET
fsr-4009	142	36	explanatory	explanatory	ADJ
fsr-4009	142	37	variable	variable	NOUN
fsr-4009	142	38	are	be	AUX
fsr-4009	142	39	associated	associate	VERB
fsr-4009	142	40	with	with	ADP
fsr-4009	142	41	employer	employer	NOUN
fsr-4009	142	42	-	-	PUNCT
fsr-4009	142	43	sponsored	sponsor	VERB
fsr-4009	142	44	,	,	PUNCT
fsr-4009	142	45	retirement	retirement	NOUN
fsr-4009	142	46	-	-	PUNCT
fsr-4009	142	47	plan	plan	NOUN
fsr-4009	142	48	participation	participation	NOUN
fsr-4009	142	49	,	,	PUNCT
fsr-4009	142	50	the	the	DET
fsr-4009	142	51	dependent	dependent	ADJ
fsr-4009	142	52	variable	variable	NOUN
fsr-4009	142	53	in	in	ADP
fsr-4009	142	54	the	the	DET
fsr-4009	142	55	analysis	analysis	NOUN
fsr-4009	142	56	is	be	AUX
fsr-4009	142	57	whether	whether	SCONJ
fsr-4009	142	58	the	the	DET
fsr-4009	142	59	respondents	respondent	NOUN
fsr-4009	142	60	have	have	VERB
fsr-4009	142	61	any	any	DET
fsr-4009	142	62	retirement	retirement	NOUN
fsr-4009	142	63	accounts	account	NOUN
fsr-4009	142	64	through	through	ADP
fsr-4009	142	65	their	their	PRON
fsr-4009	142	66	current	current	ADJ
fsr-4009	142	67	or	or	CCONJ
fsr-4009	142	68	previous	previous	ADJ
fsr-4009	142	69	employer	employer	NOUN
fsr-4009	142	70	.	.	PUNCT
fsr-4009	143	1	the	the	DET
fsr-4009	143	2	exact	exact	ADJ
fsr-4009	143	3	nfcs	nfc	NOUN
fsr-4009	143	4	question	question	NOUN
fsr-4009	143	5	that	that	PRON
fsr-4009	143	6	asks	ask	VERB
fsr-4009	143	7	this	this	PRON
fsr-4009	143	8	is	be	AUX
fsr-4009	143	9	,	,	PUNCT
fsr-4009	143	10	“	"	PUNCT
fsr-4009	143	11	do	do	AUX
fsr-4009	143	12	you	you	PRON
fsr-4009	143	13	or	or	CCONJ
fsr-4009	143	14	your	your	PRON
fsr-4009	143	15	spouse	spouse	NOUN
fsr-4009	143	16	or	or	CCONJ
fsr-4009	143	17	your	your	PRON
fsr-4009	143	18	partner	partner	NOUN
fsr-4009	143	19	have	have	VERB
fsr-4009	143	20	any	any	DET
fsr-4009	143	21	retirement	retirement	NOUN
fsr-4009	143	22	plans	plan	NOUN
fsr-4009	143	23	through	through	ADP
fsr-4009	143	24	a	a	DET
fsr-4009	143	25	current	current	ADJ
fsr-4009	143	26	or	or	CCONJ
fsr-4009	143	27	previous	previous	ADJ
fsr-4009	143	28	employer	employer	NOUN
fsr-4009	143	29	,	,	PUNCT
fsr-4009	143	30	like	like	ADP
fsr-4009	143	31	a	a	DET
fsr-4009	143	32	pension	pension	NOUN
fsr-4009	143	33	plan	plan	NOUN
fsr-4009	143	34	,	,	PUNCT
fsr-4009	143	35	a	a	DET
fsr-4009	143	36	thrift	thrift	NOUN
fsr-4009	143	37	savings	saving	NOUN
fsr-4009	143	38	plan	plan	NOUN
fsr-4009	143	39	(	(	PUNCT
fsr-4009	143	40	tsp	tsp	NOUN
fsr-4009	143	41	)	)	PUNCT
fsr-4009	143	42	,	,	PUNCT
fsr-4009	143	43	or	or	CCONJ
fsr-4009	143	44	a	a	DET
fsr-4009	143	45	401(k	401(k	NOUN
fsr-4009	143	46	)	)	PUNCT
fsr-4009	143	47	?	?	PUNCT
fsr-4009	143	48	”	"	PUNCT
fsr-4009	144	1	the	the	DET
fsr-4009	144	2	value	value	NOUN
fsr-4009	144	3	for	for	ADP
fsr-4009	144	4	the	the	DET
fsr-4009	144	5	dependent	dependent	ADJ
fsr-4009	144	6	variable	variable	NOUN
fsr-4009	144	7	is	be	AUX
fsr-4009	144	8	1	1	NUM
fsr-4009	144	9	if	if	SCONJ
fsr-4009	144	10	the	the	DET
fsr-4009	144	11	respondents	respondent	NOUN
fsr-4009	144	12	answer	answer	VERB
fsr-4009	144	13	"	"	PUNCT
fsr-4009	144	14	yes	yes	INTJ
fsr-4009	144	15	"	"	PUNCT
fsr-4009	144	16	and	and	CCONJ
fsr-4009	144	17	0	0	NUM
fsr-4009	144	18	if	if	SCONJ
fsr-4009	144	19	the	the	DET
fsr-4009	144	20	respondents	respondent	NOUN
fsr-4009	144	21	answer	answer	VERB
fsr-4009	144	22	"	"	PUNCT
fsr-4009	144	23	no	no	INTJ
fsr-4009	144	24	.	.	PUNCT
fsr-4009	144	25	"	"	PUNCT
fsr-4009	145	1	the	the	DET
fsr-4009	145	2	survey	survey	NOUN
fsr-4009	145	3	data	datum	NOUN
fsr-4009	145	4	unfortunately	unfortunately	ADV
fsr-4009	145	5	does	do	AUX
fsr-4009	145	6	not	not	PART
fsr-4009	145	7	include	include	VERB
fsr-4009	145	8	information	information	NOUN
fsr-4009	145	9	on	on	ADP
fsr-4009	145	10	whether	whether	SCONJ
fsr-4009	145	11	retirement	retirement	NOUN
fsr-4009	145	12	plans	plan	NOUN
fsr-4009	145	13	were	be	AUX
fsr-4009	145	14	offered	offer	VERB
fsr-4009	145	15	in	in	ADP
fsr-4009	145	16	the	the	DET
fsr-4009	145	17	first	first	ADJ
fsr-4009	145	18	place	place	NOUN
fsr-4009	145	19	.	.	PUNCT
fsr-4009	146	1	this	this	DET
fsr-4009	146	2	omission	omission	NOUN
fsr-4009	146	3	could	could	AUX
fsr-4009	146	4	lead	lead	VERB
fsr-4009	146	5	to	to	ADP
fsr-4009	146	6	omitted	omit	VERB
fsr-4009	146	7	variable	variable	ADJ
fsr-4009	146	8	bias	bias	NOUN
fsr-4009	146	9	if	if	SCONJ
fsr-4009	146	10	the	the	DET
fsr-4009	146	11	availability	availability	NOUN
fsr-4009	146	12	of	of	ADP
fsr-4009	146	13	retirement	retirement	NOUN
fsr-4009	146	14	plans	plan	NOUN
fsr-4009	146	15	is	be	AUX
fsr-4009	146	16	not	not	PART
fsr-4009	146	17	randomly	randomly	ADV
fsr-4009	146	18	distributed	distribute	VERB
fsr-4009	146	19	across	across	ADP
fsr-4009	146	20	demographic	demographic	ADJ
fsr-4009	146	21	groups	group	NOUN
fsr-4009	146	22	.	.	PUNCT
fsr-4009	147	1	for	for	ADP
fsr-4009	147	2	example	example	NOUN
fsr-4009	147	3	,	,	PUNCT
fsr-4009	147	4	if	if	SCONJ
fsr-4009	147	5	women	woman	NOUN
fsr-4009	147	6	are	be	AUX
fsr-4009	147	7	offered	offer	VERB
fsr-4009	147	8	retirement	retirement	NOUN
fsr-4009	147	9	plans	plan	NOUN
fsr-4009	147	10	less	less	ADV
fsr-4009	147	11	often	often	ADV
fsr-4009	147	12	than	than	ADP
fsr-4009	147	13	men	man	NOUN
fsr-4009	147	14	due	due	ADP
fsr-4009	147	15	to	to	ADP
fsr-4009	147	16	employment	employment	NOUN
fsr-4009	147	17	in	in	ADP
fsr-4009	147	18	sectors	sector	NOUN
fsr-4009	147	19	or	or	CCONJ
fsr-4009	147	20	jobs	job	NOUN
fsr-4009	147	21	with	with	ADP
fsr-4009	147	22	lower	low	ADJ
fsr-4009	147	23	benefits	benefit	NOUN
fsr-4009	147	24	,	,	PUNCT
fsr-4009	147	25	then	then	ADV
fsr-4009	147	26	the	the	DET
fsr-4009	147	27	observed	observed	ADJ
fsr-4009	147	28	gap	gap	NOUN
fsr-4009	147	29	in	in	ADP
fsr-4009	147	30	participation	participation	NOUN
fsr-4009	147	31	may	may	AUX
fsr-4009	147	32	not	not	PART
fsr-4009	147	33	fully	fully	ADV
fsr-4009	147	34	reflect	reflect	VERB
fsr-4009	147	35	the	the	DET
fsr-4009	147	36	actual	actual	ADJ
fsr-4009	147	37	difference	difference	NOUN
fsr-4009	147	38	in	in	ADP
fsr-4009	147	39	access	access	NOUN
fsr-4009	147	40	.	.	PUNCT
fsr-4009	148	1	to	to	PART
fsr-4009	148	2	address	address	VERB
fsr-4009	148	3	this	this	PRON
fsr-4009	148	4	,	,	PUNCT
fsr-4009	148	5	we	we	PRON
fsr-4009	148	6	performed	perform	VERB
fsr-4009	148	7	a	a	DET
fsr-4009	148	8	sensitivity	sensitivity	NOUN
fsr-4009	148	9	analysis	analysis	NOUN
fsr-4009	148	10	using	use	VERB
fsr-4009	148	11	a	a	DET
fsr-4009	148	12	sample	sample	NOUN
fsr-4009	148	13	of	of	ADP
fsr-4009	148	14	full	full	ADJ
fsr-4009	148	15	-	-	PUNCT
fsr-4009	148	16	time	time	NOUN
fsr-4009	148	17	employees	employee	NOUN
fsr-4009	148	18	,	,	PUNCT
fsr-4009	148	19	who	who	PRON
fsr-4009	148	20	are	be	AUX
fsr-4009	148	21	generally	generally	ADV
fsr-4009	148	22	more	more	ADV
fsr-4009	148	23	likely	likely	ADJ
fsr-4009	148	24	to	to	PART
fsr-4009	148	25	have	have	VERB
fsr-4009	148	26	retirement	retirement	NOUN
fsr-4009	148	27	plan	plan	NOUN
fsr-4009	148	28	offers	offer	VERB
fsr-4009	148	29	from	from	ADP
fsr-4009	148	30	the	the	DET
fsr-4009	148	31	employers	employer	NOUN
fsr-4009	148	32	.	.	PUNCT
fsr-4009	149	1	this	this	PRON
fsr-4009	149	2	helps	help	VERB
fsr-4009	149	3	somewhat	somewhat	ADV
fsr-4009	149	4	mitigate	mitigate	VERB
fsr-4009	149	5	the	the	DET
fsr-4009	149	6	issue	issue	NOUN
fsr-4009	149	7	by	by	ADP
fsr-4009	149	8	focusing	focus	VERB
fsr-4009	149	9	on	on	ADP
fsr-4009	149	10	a	a	DET
fsr-4009	149	11	group	group	NOUN
fsr-4009	149	12	where	where	SCONJ
fsr-4009	149	13	plan	plan	NOUN
fsr-4009	149	14	availability	availability	NOUN
fsr-4009	149	15	is	be	AUX
fsr-4009	149	16	more	more	ADV
fsr-4009	149	17	consistent	consistent	ADJ
fsr-4009	149	18	.	.	PUNCT
fsr-4009	150	1	the	the	DET
fsr-4009	150	2	key	key	ADJ
fsr-4009	150	3	explanatory	explanatory	ADJ
fsr-4009	150	4	variable	variable	NOUN
fsr-4009	150	5	is	be	AUX
fsr-4009	150	6	objective	objective	ADJ
fsr-4009	150	7	financial	financial	ADJ
fsr-4009	150	8	knowledge	knowledge	NOUN
fsr-4009	150	9	measured	measure	VERB
fsr-4009	150	10	by	by	ADP
fsr-4009	150	11	responses	response	NOUN
fsr-4009	150	12	to	to	ADP
fsr-4009	150	13	six	six	NUM
fsr-4009	150	14	questions	question	NOUN
fsr-4009	150	15	assessing	assess	VERB
fsr-4009	150	16	the	the	DET
fsr-4009	150	17	respondent	respondent	NOUN
fsr-4009	150	18	's	's	PART
fsr-4009	150	19	understanding	understanding	NOUN
fsr-4009	150	20	of	of	ADP
fsr-4009	150	21	inflation	inflation	NOUN
fsr-4009	150	22	,	,	PUNCT
fsr-4009	150	23	compound	compound	NOUN
fsr-4009	150	24	interest	interest	NOUN
fsr-4009	150	25	,	,	PUNCT
fsr-4009	150	26	bond	bond	NOUN
fsr-4009	150	27	price	price	NOUN
fsr-4009	150	28	,	,	PUNCT
fsr-4009	150	29	mortgage	mortgage	NOUN
fsr-4009	150	30	interest	interest	NOUN
fsr-4009	150	31	,	,	PUNCT
fsr-4009	150	32	risk	risk	NOUN
fsr-4009	150	33	,	,	PUNCT
fsr-4009	150	34	and	and	CCONJ
fsr-4009	150	35	return	return	NOUN
fsr-4009	150	36	.	.	PUNCT
fsr-4009	151	1	respondents	respondent	NOUN
fsr-4009	151	2	received	receive	VERB
fsr-4009	151	3	1	1	NUM
fsr-4009	151	4	for	for	ADP
fsr-4009	151	5	each	each	DET
fsr-4009	151	6	correct	correct	ADJ
fsr-4009	151	7	answer	answer	NOUN
fsr-4009	151	8	and	and	CCONJ
fsr-4009	151	9	0	0	NUM
fsr-4009	151	10	for	for	ADP
fsr-4009	151	11	an	an	DET
fsr-4009	151	12	incorrect	incorrect	ADJ
fsr-4009	151	13	answer	answer	NOUN
fsr-4009	151	14	.	.	PUNCT
fsr-4009	152	1	thus	thus	ADV
fsr-4009	152	2	,	,	PUNCT
fsr-4009	152	3	this	this	DET
fsr-4009	152	4	variable	variable	NOUN
fsr-4009	152	5	is	be	AUX
fsr-4009	152	6	just	just	ADV
fsr-4009	152	7	the	the	DET
fsr-4009	152	8	sum	sum	NOUN
fsr-4009	152	9	of	of	ADP
fsr-4009	152	10	correct	correct	ADJ
fsr-4009	152	11	answers	answer	NOUN
fsr-4009	152	12	and	and	CCONJ
fsr-4009	152	13	ranges	range	VERB
fsr-4009	152	14	from	from	ADP
fsr-4009	152	15	0	0	NUM
fsr-4009	152	16	to	to	ADP
fsr-4009	152	17	6	6	NUM
fsr-4009	152	18	.	.	PUNCT
fsr-4009	153	1	this	this	DET
fsr-4009	153	2	six	six	NUM
fsr-4009	153	3	-	-	PUNCT
fsr-4009	153	4	question	question	NOUN
fsr-4009	153	5	index	index	NOUN
fsr-4009	153	6	has	have	AUX
fsr-4009	153	7	been	be	AUX
fsr-4009	153	8	widely	widely	ADV
fsr-4009	153	9	used	use	VERB
fsr-4009	153	10	in	in	ADP
fsr-4009	153	11	financial	financial	ADJ
fsr-4009	153	12	capability	capability	NOUN
fsr-4009	153	13	research	research	NOUN
fsr-4009	153	14	and	and	CCONJ
fsr-4009	153	15	reflects	reflect	VERB
fsr-4009	153	16	core	core	NOUN
fsr-4009	153	17	concepts	concept	NOUN
fsr-4009	153	18	essential	essential	ADJ
fsr-4009	153	19	to	to	AUX
fsr-4009	153	20	effective	effective	ADJ
fsr-4009	153	21	retirement	retirement	NOUN
fsr-4009	153	22	planning	planning	NOUN
fsr-4009	153	23	(	(	PUNCT
fsr-4009	153	24	lusardi	lusardi	PROPN
fsr-4009	153	25	&	&	CCONJ
fsr-4009	153	26	mitchell	mitchell	PROPN
fsr-4009	153	27	,	,	PUNCT
fsr-4009	153	28	2011	2011	NUM
fsr-4009	153	29	)	)	PUNCT
fsr-4009	153	30	.	.	PUNCT
fsr-4009	154	1	however	however	ADV
fsr-4009	154	2	,	,	PUNCT
fsr-4009	154	3	it	it	PRON
fsr-4009	154	4	has	have	VERB
fsr-4009	154	5	limitations	limitation	NOUN
fsr-4009	154	6	,	,	PUNCT
fsr-4009	154	7	as	as	SCONJ
fsr-4009	154	8	it	it	PRON
fsr-4009	154	9	measures	measure	VERB
fsr-4009	154	10	only	only	ADV
fsr-4009	154	11	objective	objective	ADJ
fsr-4009	154	12	knowledge	knowledge	NOUN
fsr-4009	154	13	and	and	CCONJ
fsr-4009	154	14	does	do	AUX
fsr-4009	154	15	not	not	PART
fsr-4009	154	16	account	account	VERB
fsr-4009	154	17	for	for	ADP
fsr-4009	154	18	other	other	ADJ
fsr-4009	154	19	aspects	aspect	NOUN
fsr-4009	154	20	of	of	ADP
fsr-4009	154	21	financial	financial	ADJ
fsr-4009	154	22	capability	capability	NOUN
fsr-4009	154	23	,	,	PUNCT
fsr-4009	154	24	such	such	ADJ
fsr-4009	154	25	as	as	ADP
fsr-4009	154	26	behavioral	behavioral	ADJ
fsr-4009	154	27	application	application	NOUN
fsr-4009	154	28	,	,	PUNCT
fsr-4009	154	29	confidence	confidence	NOUN
fsr-4009	154	30	,	,	PUNCT
fsr-4009	154	31	or	or	CCONJ
fsr-4009	154	32	self	self	NOUN
fsr-4009	154	33	-	-	PUNCT
fsr-4009	154	34	efficacy	efficacy	NOUN
fsr-4009	154	35	.	.	PUNCT
fsr-4009	155	1	therefore	therefore	ADV
fsr-4009	155	2	,	,	PUNCT
fsr-4009	155	3	while	while	SCONJ
fsr-4009	155	4	valuable	valuable	ADJ
fsr-4009	155	5	,	,	PUNCT
fsr-4009	155	6	this	this	DET
fsr-4009	155	7	index	index	NOUN
fsr-4009	155	8	may	may	AUX
fsr-4009	155	9	not	not	PART
fsr-4009	155	10	fully	fully	ADV
fsr-4009	155	11	capture	capture	VERB
fsr-4009	155	12	the	the	DET
fsr-4009	155	13	broader	broad	ADJ
fsr-4009	155	14	financial	financial	ADJ
fsr-4009	155	15	decisionmaking	decisionmake	VERB
fsr-4009	155	16	abilities	ability	NOUN
fsr-4009	155	17	that	that	PRON
fsr-4009	155	18	influence	influence	VERB
fsr-4009	155	19	retirement	retirement	NOUN
fsr-4009	155	20	plan	plan	NOUN
fsr-4009	155	21	participation	participation	NOUN
fsr-4009	155	22	.	.	PUNCT
fsr-4009	156	1	other	other	ADJ
fsr-4009	156	2	explanatory	explanatory	ADJ
fsr-4009	156	3	variables	variable	NOUN
fsr-4009	156	4	are	be	AUX
fsr-4009	156	5	age	age	NOUN
fsr-4009	156	6	,	,	PUNCT
fsr-4009	156	7	level	level	NOUN
fsr-4009	156	8	of	of	ADP
fsr-4009	156	9	education	education	NOUN
fsr-4009	156	10	,	,	PUNCT
fsr-4009	156	11	white	white	ADJ
fsr-4009	156	12	race	race	NOUN
fsr-4009	156	13	,	,	PUNCT
fsr-4009	156	14	home	home	NOUN
fsr-4009	156	15	ownership	ownership	NOUN
fsr-4009	156	16	,	,	PUNCT
fsr-4009	156	17	income	income	NOUN
fsr-4009	156	18	,	,	PUNCT
fsr-4009	156	19	and	and	CCONJ
fsr-4009	156	20	risk	risk	NOUN
fsr-4009	156	21	tolerance	tolerance	NOUN
fsr-4009	156	22	.	.	PUNCT
fsr-4009	157	1	five	five	NUM
fsr-4009	157	2	dummy	dummy	ADJ
fsr-4009	157	3	variables	variable	NOUN
fsr-4009	157	4	represent	represent	VERB
fsr-4009	157	5	age	age	NOUN
fsr-4009	157	6	:	:	PUNCT
fsr-4009	157	7	25	25	NUM
fsr-4009	157	8	-	-	SYM
fsr-4009	157	9	34	34	NUM
fsr-4009	157	10	,	,	PUNCT
fsr-4009	157	11	35	35	NUM
fsr-4009	157	12	-	-	SYM
fsr-4009	157	13	44	44	NUM
fsr-4009	157	14	,	,	PUNCT
fsr-4009	157	15	45	45	NUM
fsr-4009	157	16	-	-	SYM
fsr-4009	157	17	54	54	NUM
fsr-4009	157	18	,	,	PUNCT
fsr-4009	157	19	55	55	NUM
fsr-4009	157	20	-	-	SYM
fsr-4009	157	21	64	64	NUM
fsr-4009	157	22	,	,	PUNCT
fsr-4009	157	23	and	and	CCONJ
fsr-4009	157	24	65	65	NUM
fsr-4009	157	25	+	+	NOUN
fsr-4009	157	26	.	.	PUNCT
fsr-4009	158	1	the	the	DET
fsr-4009	158	2	reference	reference	NOUN
fsr-4009	158	3	category	category	NOUN
fsr-4009	158	4	is	be	AUX
fsr-4009	158	5	the	the	DET
fsr-4009	158	6	18	18	NUM
fsr-4009	158	7	-	-	SYM
fsr-4009	158	8	24	24	NUM
fsr-4009	158	9	age	age	NOUN
fsr-4009	158	10	financial	financial	ADJ
fsr-4009	158	11	services	service	NOUN
fsr-4009	158	12	review	review	NOUN
fsr-4009	158	13	,	,	PUNCT
fsr-4009	158	14	33(2	33(2	NUM
fsr-4009	158	15	)	)	PUNCT
fsr-4009	158	16	150	150	NUM
fsr-4009	158	17	group	group	NOUN
fsr-4009	158	18	.	.	PUNCT
fsr-4009	159	1	the	the	DET
fsr-4009	159	2	respondents	respondent	NOUN
fsr-4009	159	3	'	'	PART
fsr-4009	159	4	education	education	NOUN
fsr-4009	159	5	level	level	NOUN
fsr-4009	159	6	is	be	AUX
fsr-4009	159	7	represented	represent	VERB
fsr-4009	159	8	by	by	ADP
fsr-4009	159	9	four	four	NUM
fsr-4009	159	10	dummy	dummy	ADJ
fsr-4009	159	11	variables	variable	NOUN
fsr-4009	159	12	for	for	ADP
fsr-4009	159	13	some	some	DET
fsr-4009	159	14	college	college	NOUN
fsr-4009	159	15	,	,	PUNCT
fsr-4009	159	16	associate	associate	NOUN
fsr-4009	159	17	degree	degree	NOUN
fsr-4009	159	18	,	,	PUNCT
fsr-4009	159	19	bachelor	bachelor	NOUN
fsr-4009	159	20	's	's	PART
fsr-4009	159	21	degree	degree	NOUN
fsr-4009	159	22	,	,	PUNCT
fsr-4009	159	23	and	and	CCONJ
fsr-4009	159	24	postgraduate	postgraduate	NOUN
fsr-4009	159	25	degree	degree	NOUN
fsr-4009	159	26	.	.	PUNCT
fsr-4009	160	1	the	the	DET
fsr-4009	160	2	reference	reference	NOUN
fsr-4009	160	3	category	category	NOUN
fsr-4009	160	4	is	be	AUX
fsr-4009	160	5	high	high	ADJ
fsr-4009	160	6	school	school	NOUN
fsr-4009	160	7	or	or	CCONJ
fsr-4009	160	8	less	less	ADJ
fsr-4009	160	9	.	.	PUNCT
fsr-4009	161	1	white	white	PROPN
fsr-4009	161	2	is	be	AUX
fsr-4009	161	3	a	a	DET
fsr-4009	161	4	dummy	dummy	ADJ
fsr-4009	161	5	variable	variable	NOUN
fsr-4009	161	6	that	that	PRON
fsr-4009	161	7	equals	equal	VERB
fsr-4009	161	8	1	1	NUM
fsr-4009	161	9	if	if	SCONJ
fsr-4009	161	10	the	the	DET
fsr-4009	161	11	respondents	respondent	NOUN
fsr-4009	161	12	'	'	PART
fsr-4009	161	13	race	race	NOUN
fsr-4009	161	14	is	be	AUX
fsr-4009	161	15	white	white	ADJ
fsr-4009	161	16	and	and	CCONJ
fsr-4009	161	17	0	0	NUM
fsr-4009	161	18	if	if	SCONJ
fsr-4009	161	19	the	the	DET
fsr-4009	161	20	respondents	respondent	NOUN
fsr-4009	161	21	'	'	PART
fsr-4009	161	22	race	race	NOUN
fsr-4009	161	23	is	be	AUX
fsr-4009	161	24	non	non	ADJ
fsr-4009	161	25	-	-	ADJ
fsr-4009	161	26	white	white	ADJ
fsr-4009	161	27	.	.	PUNCT
fsr-4009	162	1	homeownership	homeownership	NOUN
fsr-4009	162	2	is	be	AUX
fsr-4009	162	3	also	also	ADV
fsr-4009	162	4	a	a	DET
fsr-4009	162	5	dummy	dummy	ADJ
fsr-4009	162	6	variable	variable	NOUN
fsr-4009	162	7	that	that	PRON
fsr-4009	162	8	equals	equal	VERB
fsr-4009	162	9	1	1	NUM
fsr-4009	162	10	if	if	SCONJ
fsr-4009	162	11	respondents	respondent	NOUN
fsr-4009	162	12	own	own	VERB
fsr-4009	162	13	a	a	DET
fsr-4009	162	14	house	house	NOUN
fsr-4009	162	15	and	and	CCONJ
fsr-4009	162	16	0	0	NUM
fsr-4009	162	17	otherwise	otherwise	ADV
fsr-4009	162	18	.	.	PUNCT
fsr-4009	163	1	income	income	NOUN
fsr-4009	163	2	is	be	AUX
fsr-4009	163	3	represented	represent	VERB
fsr-4009	163	4	by	by	ADP
fsr-4009	163	5	six	six	NUM
fsr-4009	163	6	dummy	dummy	ADJ
fsr-4009	163	7	variables	variable	NOUN
fsr-4009	163	8	for	for	ADP
fsr-4009	163	9	$	$	SYM
fsr-4009	163	10	50,000	50,000	NUM
fsr-4009	163	11	to	to	PART
fsr-4009	163	12	$	$	SYM
fsr-4009	163	13	75,000	75,000	NUM
fsr-4009	163	14	,	,	PUNCT
fsr-4009	163	15	$	$	SYM
fsr-4009	163	16	75,000	75,000	NUM
fsr-4009	163	17	to	to	PART
fsr-4009	163	18	$	$	SYM
fsr-4009	163	19	100,000	100,000	NUM
fsr-4009	163	20	,	,	PUNCT
fsr-4009	163	21	$	$	SYM
fsr-4009	163	22	100,000	100,000	NUM
fsr-4009	163	23	to	to	PART
fsr-4009	163	24	$	$	SYM
fsr-4009	163	25	150,000	150,000	NUM
fsr-4009	163	26	,	,	PUNCT
fsr-4009	163	27	$	$	SYM
fsr-4009	163	28	150,000	150,000	NUM
fsr-4009	163	29	to	to	PART
fsr-4009	163	30	$	$	SYM
fsr-4009	163	31	200,000	200,000	NUM
fsr-4009	163	32	,	,	PUNCT
fsr-4009	163	33	$	$	SYM
fsr-4009	163	34	200,000	200,000	NUM
fsr-4009	163	35	to	to	PART
fsr-4009	163	36	$	$	SYM
fsr-4009	163	37	300,000	300,000	NUM
fsr-4009	163	38	,	,	PUNCT
fsr-4009	163	39	and	and	CCONJ
fsr-4009	163	40	$	$	SYM
fsr-4009	163	41	300,000	300,000	NUM
fsr-4009	163	42	or	or	CCONJ
fsr-4009	163	43	more	more	ADJ
fsr-4009	163	44	.	.	PUNCT
fsr-4009	164	1	the	the	DET
fsr-4009	164	2	reference	reference	NOUN
fsr-4009	164	3	category	category	NOUN
fsr-4009	164	4	is	be	AUX
fsr-4009	164	5	less	less	ADJ
fsr-4009	164	6	than	than	ADP
fsr-4009	164	7	$	$	SYM
fsr-4009	164	8	50,000	50,000	NUM
fsr-4009	164	9	.	.	PUNCT
fsr-4009	165	1	the	the	DET
fsr-4009	165	2	responses	response	NOUN
fsr-4009	165	3	to	to	ADP
fsr-4009	165	4	the	the	DET
fsr-4009	165	5	risk	risk	NOUN
fsr-4009	165	6	-	-	PUNCT
fsr-4009	165	7	tolerance	tolerance	NOUN
fsr-4009	165	8	question	question	NOUN
fsr-4009	165	9	range	range	NOUN
fsr-4009	165	10	from	from	ADP
fsr-4009	165	11	1	1	NUM
fsr-4009	165	12	(	(	PUNCT
fsr-4009	165	13	not	not	PART
fsr-4009	165	14	at	at	ADV
fsr-4009	165	15	all	all	ADV
fsr-4009	165	16	willing	willing	ADJ
fsr-4009	165	17	)	)	PUNCT
fsr-4009	165	18	to	to	ADP
fsr-4009	165	19	10	10	NUM
fsr-4009	165	20	(	(	PUNCT
fsr-4009	165	21	very	very	ADV
fsr-4009	165	22	willing	willing	ADJ
fsr-4009	165	23	)	)	PUNCT
fsr-4009	165	24	.	.	PUNCT
fsr-4009	166	1	due	due	ADP
fsr-4009	166	2	to	to	ADP
fsr-4009	166	3	the	the	DET
fsr-4009	166	4	limited	limited	ADJ
fsr-4009	166	5	number	number	NOUN
fsr-4009	166	6	of	of	ADP
fsr-4009	166	7	observations	observation	NOUN
fsr-4009	166	8	in	in	ADP
fsr-4009	166	9	certain	certain	ADJ
fsr-4009	166	10	response	response	NOUN
fsr-4009	166	11	categories	category	NOUN
fsr-4009	166	12	,	,	PUNCT
fsr-4009	166	13	the	the	DET
fsr-4009	166	14	responses	response	NOUN
fsr-4009	166	15	are	be	AUX
fsr-4009	166	16	recoded	recode	VERB
fsr-4009	166	17	into	into	ADP
fsr-4009	166	18	three	three	NUM
fsr-4009	166	19	categories	category	NOUN
fsr-4009	166	20	.	.	PUNCT
fsr-4009	167	1	the	the	DET
fsr-4009	167	2	first	first	ADJ
fsr-4009	167	3	category	category	NOUN
fsr-4009	167	4	is	be	AUX
fsr-4009	167	5	low	low	ADJ
fsr-4009	167	6	risk	risk	NOUN
fsr-4009	167	7	tolerance	tolerance	NOUN
fsr-4009	167	8	which	which	PRON
fsr-4009	167	9	includes	include	VERB
fsr-4009	167	10	responses	response	NOUN
fsr-4009	167	11	ranging	range	VERB
fsr-4009	167	12	from	from	ADP
fsr-4009	167	13	1	1	NUM
fsr-4009	167	14	to	to	ADP
fsr-4009	167	15	3	3	NUM
fsr-4009	167	16	.	.	PUNCT
fsr-4009	168	1	the	the	DET
fsr-4009	168	2	second	second	ADJ
fsr-4009	168	3	category	category	NOUN
fsr-4009	168	4	is	be	AUX
fsr-4009	168	5	medium	medium	ADJ
fsr-4009	168	6	risk	risk	NOUN
fsr-4009	168	7	tolerance	tolerance	NOUN
fsr-4009	168	8	,	,	PUNCT
fsr-4009	168	9	which	which	PRON
fsr-4009	168	10	includes	include	VERB
fsr-4009	168	11	4	4	NUM
fsr-4009	168	12	to	to	PART
fsr-4009	168	13	7	7	NUM
fsr-4009	168	14	.	.	PUNCT
fsr-4009	169	1	the	the	DET
fsr-4009	169	2	third	third	ADJ
fsr-4009	169	3	category	category	NOUN
fsr-4009	169	4	is	be	AUX
fsr-4009	169	5	high	high	ADJ
fsr-4009	169	6	risk	risk	NOUN
fsr-4009	169	7	tolerance	tolerance	NOUN
fsr-4009	169	8	,	,	PUNCT
fsr-4009	169	9	which	which	PRON
fsr-4009	169	10	includes	include	VERB
fsr-4009	169	11	responses	response	NOUN
fsr-4009	169	12	ranging	range	VERB
fsr-4009	169	13	from	from	ADP
fsr-4009	169	14	8	8	NUM
fsr-4009	169	15	to	to	PART
fsr-4009	169	16	10	10	NUM
fsr-4009	169	17	.	.	PUNCT
fsr-4009	170	1	medium	medium	ADJ
fsr-4009	170	2	-	-	PUNCT
fsr-4009	170	3	risk	risk	NOUN
fsr-4009	170	4	tolerance	tolerance	NOUN
fsr-4009	170	5	and	and	CCONJ
fsr-4009	170	6	high	high	ADJ
fsr-4009	170	7	-	-	PUNCT
fsr-4009	170	8	risk	risk	NOUN
fsr-4009	170	9	tolerance	tolerance	NOUN
fsr-4009	170	10	are	be	AUX
fsr-4009	170	11	included	include	VERB
fsr-4009	170	12	in	in	ADP
fsr-4009	170	13	the	the	DET
fsr-4009	170	14	regression	regression	NOUN
fsr-4009	170	15	,	,	PUNCT
fsr-4009	170	16	with	with	ADP
fsr-4009	170	17	the	the	DET
fsr-4009	170	18	reference	reference	NOUN
fsr-4009	170	19	category	category	NOUN
fsr-4009	170	20	being	be	AUX
fsr-4009	170	21	low	low	ADJ
fsr-4009	170	22	-	-	PUNCT
fsr-4009	170	23	risk	risk	NOUN
fsr-4009	170	24	tolerance	tolerance	NOUN
fsr-4009	170	25	.	.	PUNCT
fsr-4009	171	1	table	table	NOUN
fsr-4009	171	2	2	2	NUM
fsr-4009	171	3	presents	present	VERB
fsr-4009	171	4	descriptive	descriptive	ADJ
fsr-4009	171	5	statistics	statistic	NOUN
fsr-4009	171	6	for	for	ADP
fsr-4009	171	7	all	all	DET
fsr-4009	171	8	variables	variable	NOUN
fsr-4009	171	9	for	for	ADP
fsr-4009	171	10	the	the	DET
fsr-4009	171	11	analysis	analysis	NOUN
fsr-4009	171	12	sample	sample	NOUN
fsr-4009	171	13	and	and	CCONJ
fsr-4009	171	14	separately	separately	ADV
fsr-4009	171	15	for	for	ADP
fsr-4009	171	16	males	male	NOUN
fsr-4009	171	17	and	and	CCONJ
fsr-4009	171	18	females	female	NOUN
fsr-4009	171	19	.	.	PUNCT
fsr-4009	172	1	in	in	ADP
fsr-4009	172	2	the	the	DET
fsr-4009	172	3	analysis	analysis	NOUN
fsr-4009	172	4	sample	sample	NOUN
fsr-4009	172	5	,	,	PUNCT
fsr-4009	172	6	approximately	approximately	ADV
fsr-4009	172	7	56	56	NUM
fsr-4009	172	8	%	%	NOUN
fsr-4009	172	9	of	of	ADP
fsr-4009	172	10	individuals	individual	NOUN
fsr-4009	172	11	have	have	VERB
fsr-4009	172	12	an	an	DET
fsr-4009	172	13	employer	employer	NOUN
fsr-4009	172	14	-	-	PUNCT
fsr-4009	172	15	sponsored	sponsor	VERB
fsr-4009	172	16	retirement	retirement	NOUN
fsr-4009	172	17	plan	plan	NOUN
fsr-4009	172	18	.	.	PUNCT
fsr-4009	173	1	the	the	DET
fsr-4009	173	2	percentage	percentage	NOUN
fsr-4009	173	3	of	of	ADP
fsr-4009	173	4	males	male	NOUN
fsr-4009	173	5	in	in	ADP
fsr-4009	173	6	the	the	DET
fsr-4009	173	7	overall	overall	ADJ
fsr-4009	173	8	sample	sample	NOUN
fsr-4009	173	9	is	be	AUX
fsr-4009	173	10	51	51	NUM
fsr-4009	173	11	%	%	NOUN
fsr-4009	173	12	.	.	PUNCT
fsr-4009	174	1	in	in	ADP
fsr-4009	174	2	the	the	DET
fsr-4009	174	3	male	male	ADJ
fsr-4009	174	4	sample	sample	NOUN
fsr-4009	174	5	,	,	PUNCT
fsr-4009	174	6	the	the	DET
fsr-4009	174	7	percentage	percentage	NOUN
fsr-4009	174	8	of	of	ADP
fsr-4009	174	9	individuals	individual	NOUN
fsr-4009	174	10	with	with	ADP
fsr-4009	174	11	employer	employer	NOUN
fsr-4009	174	12	-	-	PUNCT
fsr-4009	174	13	sponsored	sponsor	VERB
fsr-4009	174	14	retirement	retirement	NOUN
fsr-4009	174	15	plans	plan	NOUN
fsr-4009	174	16	is	be	AUX
fsr-4009	174	17	55.59	55.59	NUM
fsr-4009	174	18	%	%	NOUN
fsr-4009	174	19	.	.	PUNCT
fsr-4009	175	1	the	the	DET
fsr-4009	175	2	percentage	percentage	NOUN
fsr-4009	175	3	of	of	ADP
fsr-4009	175	4	females	female	NOUN
fsr-4009	175	5	in	in	ADP
fsr-4009	175	6	the	the	DET
fsr-4009	175	7	overall	overall	ADJ
fsr-4009	175	8	sample	sample	NOUN
fsr-4009	175	9	is	be	AUX
fsr-4009	175	10	49	49	NUM
fsr-4009	175	11	%	%	NOUN
fsr-4009	175	12	.	.	PUNCT
fsr-4009	176	1	in	in	ADP
fsr-4009	176	2	the	the	DET
fsr-4009	176	3	female	female	ADJ
fsr-4009	176	4	sample	sample	NOUN
fsr-4009	176	5	,	,	PUNCT
fsr-4009	176	6	the	the	DET
fsr-4009	176	7	percentage	percentage	NOUN
fsr-4009	176	8	of	of	ADP
fsr-4009	176	9	individuals	individual	NOUN
fsr-4009	176	10	with	with	ADP
fsr-4009	176	11	employersponsored	employersponsored	ADJ
fsr-4009	176	12	retirement	retirement	NOUN
fsr-4009	176	13	plans	plan	NOUN
fsr-4009	176	14	is	be	AUX
fsr-4009	176	15	56.95	56.95	NUM
fsr-4009	176	16	%	%	NOUN
fsr-4009	176	17	.	.	PUNCT
fsr-4009	177	1	the	the	DET
fsr-4009	177	2	average	average	ADJ
fsr-4009	177	3	financial	financial	ADJ
fsr-4009	177	4	literacy	literacy	NOUN
fsr-4009	177	5	score	score	NOUN
fsr-4009	177	6	for	for	ADP
fsr-4009	177	7	the	the	DET
fsr-4009	177	8	analysis	analysis	NOUN
fsr-4009	177	9	sample	sample	NOUN
fsr-4009	177	10	is	be	AUX
fsr-4009	177	11	2.75	2.75	NUM
fsr-4009	177	12	.	.	PUNCT
fsr-4009	178	1	this	this	PRON
fsr-4009	178	2	means	mean	VERB
fsr-4009	178	3	that	that	SCONJ
fsr-4009	178	4	,	,	PUNCT
fsr-4009	178	5	on	on	ADP
fsr-4009	178	6	average	average	ADJ
fsr-4009	178	7	,	,	PUNCT
fsr-4009	178	8	respondents	respondent	NOUN
fsr-4009	178	9	answered	answer	VERB
fsr-4009	178	10	2.75	2.75	NUM
fsr-4009	178	11	of	of	ADP
fsr-4009	178	12	the	the	DET
fsr-4009	178	13	six	six	NUM
fsr-4009	178	14	financial	financial	ADJ
fsr-4009	178	15	literacy	literacy	NOUN
fsr-4009	178	16	questions	question	NOUN
fsr-4009	178	17	correctly	correctly	ADV
fsr-4009	178	18	.	.	PUNCT
fsr-4009	179	1	the	the	DET
fsr-4009	179	2	average	average	ADJ
fsr-4009	179	3	financial	financial	ADJ
fsr-4009	179	4	literacy	literacy	NOUN
fsr-4009	179	5	score	score	NOUN
fsr-4009	179	6	is	be	AUX
fsr-4009	179	7	3.01	3.01	NUM
fsr-4009	179	8	among	among	ADP
fsr-4009	179	9	males	male	NOUN
fsr-4009	179	10	,	,	PUNCT
fsr-4009	179	11	but	but	CCONJ
fsr-4009	179	12	the	the	DET
fsr-4009	179	13	average	average	ADJ
fsr-4009	179	14	financial	financial	ADJ
fsr-4009	179	15	literacy	literacy	NOUN
fsr-4009	179	16	score	score	NOUN
fsr-4009	179	17	is	be	AUX
fsr-4009	179	18	2.42	2.42	NUM
fsr-4009	179	19	among	among	ADP
fsr-4009	179	20	females	female	NOUN
fsr-4009	179	21	.	.	PUNCT
fsr-4009	180	1	males	male	NOUN
fsr-4009	180	2	have	have	AUX
fsr-4009	180	3	scored	score	VERB
fsr-4009	180	4	better	well	ADV
fsr-4009	180	5	than	than	ADP
fsr-4009	180	6	females	female	NOUN
fsr-4009	180	7	in	in	ADP
fsr-4009	180	8	financial	financial	ADJ
fsr-4009	180	9	literacy	literacy	NOUN
fsr-4009	180	10	measures	measure	NOUN
fsr-4009	180	11	.	.	PUNCT
fsr-4009	181	1	overall	overall	ADJ
fsr-4009	181	2	,	,	PUNCT
fsr-4009	181	3	32	32	NUM
fsr-4009	181	4	%	%	NOUN
fsr-4009	181	5	of	of	ADP
fsr-4009	181	6	individuals	individual	NOUN
fsr-4009	181	7	have	have	VERB
fsr-4009	181	8	a	a	DET
fsr-4009	181	9	bachelor	bachelor	NOUN
fsr-4009	181	10	’s	’s	PART
fsr-4009	181	11	degree	degree	NOUN
fsr-4009	181	12	or	or	CCONJ
fsr-4009	181	13	higher	high	ADJ
fsr-4009	181	14	.	.	PUNCT
fsr-4009	182	1	thirty	thirty	NUM
fsr-4009	182	2	percent	percent	NOUN
fsr-4009	182	3	of	of	ADP
fsr-4009	182	4	males	male	NOUN
fsr-4009	182	5	have	have	VERB
fsr-4009	182	6	a	a	DET
fsr-4009	182	7	bachelor	bachelor	NOUN
fsr-4009	182	8	’s	’s	PART
fsr-4009	182	9	degree	degree	NOUN
fsr-4009	182	10	or	or	CCONJ
fsr-4009	182	11	higher	high	ADJ
fsr-4009	182	12	,	,	PUNCT
fsr-4009	182	13	and	and	CCONJ
fsr-4009	182	14	35	35	NUM
fsr-4009	182	15	%	%	NOUN
fsr-4009	182	16	of	of	ADP
fsr-4009	182	17	females	female	NOUN
fsr-4009	182	18	have	have	VERB
fsr-4009	182	19	a	a	DET
fsr-4009	182	20	bachelor	bachelor	NOUN
fsr-4009	182	21	’s	’s	PART
fsr-4009	182	22	degree	degree	NOUN
fsr-4009	182	23	or	or	CCONJ
fsr-4009	182	24	higher	high	ADJ
fsr-4009	182	25	.	.	PUNCT
fsr-4009	183	1	thirty	thirty	NUM
fsr-4009	183	2	-	-	PUNCT
fsr-4009	183	3	two	two	NUM
fsr-4009	183	4	percent	percent	NOUN
fsr-4009	183	5	of	of	ADP
fsr-4009	183	6	males	male	NOUN
fsr-4009	183	7	said	say	VERB
fsr-4009	183	8	they	they	PRON
fsr-4009	183	9	are	be	AUX
fsr-4009	183	10	high	high	ADJ
fsr-4009	183	11	risk	risk	NOUN
fsr-4009	183	12	tolerant	tolerant	ADJ
fsr-4009	183	13	,	,	PUNCT
fsr-4009	183	14	but	but	CCONJ
fsr-4009	183	15	only	only	ADV
fsr-4009	183	16	19	19	NUM
fsr-4009	183	17	%	%	NOUN
fsr-4009	183	18	of	of	ADP
fsr-4009	183	19	females	female	NOUN
fsr-4009	183	20	said	say	VERB
fsr-4009	183	21	they	they	PRON
fsr-4009	183	22	are	be	AUX
fsr-4009	183	23	high	high	ADJ
fsr-4009	183	24	risk	risk	NOUN
fsr-4009	183	25	tolerant	tolerant	ADJ
fsr-4009	183	26	.	.	PUNCT
fsr-4009	184	1	for	for	ADP
fsr-4009	184	2	the	the	DET
fsr-4009	184	3	annual	annual	ADJ
fsr-4009	184	4	income	income	NOUN
fsr-4009	184	5	level	level	NOUN
fsr-4009	184	6	,	,	PUNCT
fsr-4009	184	7	56	56	NUM
fsr-4009	184	8	%	%	NOUN
fsr-4009	184	9	of	of	ADP
fsr-4009	184	10	males	male	NOUN
fsr-4009	184	11	and	and	CCONJ
fsr-4009	184	12	62	62	NUM
fsr-4009	184	13	%	%	NOUN
fsr-4009	184	14	of	of	ADP
fsr-4009	184	15	females	female	NOUN
fsr-4009	184	16	said	say	VERB
fsr-4009	184	17	they	they	PRON
fsr-4009	184	18	have	have	VERB
fsr-4009	184	19	an	an	DET
fsr-4009	184	20	annual	annual	ADJ
fsr-4009	184	21	income	income	NOUN
fsr-4009	184	22	of	of	ADP
fsr-4009	184	23	less	less	ADJ
fsr-4009	184	24	than	than	ADP
fsr-4009	184	25	$	$	SYM
fsr-4009	184	26	50,000	50,000	NUM
fsr-4009	184	27	.	.	PUNCT
fsr-4009	185	1	table	table	NOUN
fsr-4009	185	2	2	2	NUM
fsr-4009	185	3	also	also	ADV
fsr-4009	185	4	provides	provide	VERB
fsr-4009	185	5	the	the	DET
fsr-4009	185	6	descriptive	descriptive	ADJ
fsr-4009	185	7	statistics	statistic	NOUN
fsr-4009	185	8	for	for	ADP
fsr-4009	185	9	the	the	DET
fsr-4009	185	10	other	other	ADJ
fsr-4009	185	11	demographic	demographic	ADJ
fsr-4009	185	12	variables	variable	NOUN
fsr-4009	185	13	.	.	PUNCT
fsr-4009	186	1	table	table	NOUN
fsr-4009	186	2	1	1	NUM
fsr-4009	186	3	.	.	PUNCT
fsr-4009	187	1	mean	mean	VERB
fsr-4009	187	2	comparison	comparison	NOUN
fsr-4009	187	3	of	of	ADP
fsr-4009	187	4	variables	variable	NOUN
fsr-4009	187	5	between	between	ADP
fsr-4009	187	6	the	the	DET
fsr-4009	187	7	full	full	ADJ
fsr-4009	187	8	sample	sample	NOUN
fsr-4009	187	9	and	and	CCONJ
fsr-4009	187	10	the	the	DET
fsr-4009	187	11	analysis	analysis	NOUN
fsr-4009	187	12	sample	sample	NOUN
fsr-4009	187	13	category	category	NOUN
fsr-4009	187	14	full	full	ADJ
fsr-4009	187	15	sample	sample	NOUN
fsr-4009	187	16	mean	mean	NOUN
fsr-4009	187	17	(	(	PUNCT
fsr-4009	187	18	std	std	PROPN
fsr-4009	187	19	.	.	PROPN
fsr-4009	187	20	dev	dev	PROPN
fsr-4009	187	21	.	.	PUNCT
fsr-4009	187	22	)	)	PUNCT
fsr-4009	188	1	analysis	analysis	NOUN
fsr-4009	188	2	sample	sample	NOUN
fsr-4009	188	3	mean	mean	NOUN
fsr-4009	188	4	(	(	PUNCT
fsr-4009	188	5	std	std	PROPN
fsr-4009	188	6	.	.	PROPN
fsr-4009	188	7	dev	dev	PROPN
fsr-4009	188	8	.	.	PUNCT
fsr-4009	188	9	)	)	PUNCT
fsr-4009	189	1	t	t	PROPN
fsr-4009	189	2	pr(|t|	pr(|t|	PROPN
fsr-4009	189	3	>	>	SYM
fsr-4009	189	4	|t|	|t|	PROPN
fsr-4009	189	5	)	)	PUNCT
fsr-4009	189	6	female	female	ADJ
fsr-4009	189	7	0.5107	0.5107	NUM
fsr-4009	189	8	(	(	PUNCT
fsr-4009	189	9	0.4965	0.4965	NUM
fsr-4009	189	10	)	)	PUNCT
fsr-4009	189	11	0.4915	0.4915	NUM
fsr-4009	189	12	(	(	PUNCT
fsr-4009	189	13	0.4998	0.4998	NUM
fsr-4009	189	14	)	)	PUNCT
fsr-4009	189	15	2.3221	2.3221	NUM
fsr-4009	189	16	0.0101	0.0101	NUM
fsr-4009	189	17	white	white	ADJ
fsr-4009	189	18	0.7117	0.7117	NUM
fsr-4009	189	19	(	(	PUNCT
fsr-4009	189	20	0.4376	0.4376	NOUN
fsr-4009	189	21	)	)	PUNCT
fsr-4009	189	22	0.6140	0.6140	NUM
fsr-4009	189	23	(	(	PUNCT
fsr-4009	189	24	0.4869	0.4869	NUM
fsr-4009	189	25	)	)	PUNCT
fsr-4009	189	26	13.1723	13.1723	NUM
fsr-4009	189	27	0.0000	0.0000	NUM
fsr-4009	189	28	ahmmed	ahmme	VERB
fsr-4009	189	29	et	et	PROPN
fsr-4009	189	30	al	al	PROPN
fsr-4009	189	31	.	.	PROPN
fsr-4009	189	32	151	151	NUM
fsr-4009	189	33	age	age	NOUN
fsr-4009	189	34	(	(	PUNCT
fsr-4009	189	35	25	25	NUM
fsr-4009	189	36	-	-	SYM
fsr-4009	189	37	64	64	NUM
fsr-4009	189	38	)	)	PUNCT
fsr-4009	189	39	0.6899	0.6899	NUM
fsr-4009	189	40	(	(	PUNCT
fsr-4009	189	41	0.0030	0.0030	NUM
fsr-4009	189	42	)	)	PUNCT
fsr-4009	189	43	0.7063	0.7063	NUM
fsr-4009	189	44	(	(	PUNCT
fsr-4009	189	45	0.4554	0.4554	NUM
fsr-4009	189	46	)	)	PUNCT
fsr-4009	189	47	-5.9568	-5.9568	VERB
fsr-4009	189	48	1.0000	1.0000	NUM
fsr-4009	189	49	income($50k-$75k	income($50k-$75k	NOUN
fsr-4009	189	50	)	)	PUNCT
fsr-4009	189	51	0.1940	0.1940	NUM
fsr-4009	189	52	(	(	PUNCT
fsr-4009	189	53	0.3955	0.3955	NUM
fsr-4009	189	54	)	)	PUNCT
fsr-4009	189	55	0.2091	0.2091	NUM
fsr-4009	189	56	(	(	PUNCT
fsr-4009	189	57	0.4067	0.4067	NUM
fsr-4009	189	58	)	)	PUNCT
fsr-4009	189	59	-2.2696	-2.2696	NOUN
fsr-4009	190	1	0.9884	0.9884	NUM
fsr-4009	190	2	table	table	NOUN
fsr-4009	190	3	2	2	NUM
fsr-4009	190	4	.	.	PUNCT
fsr-4009	191	1	summary	summary	NOUN
fsr-4009	191	2	statistics	statistic	NOUN
fsr-4009	191	3	full	full	ADJ
fsr-4009	191	4	analysis	analysis	NOUN
fsr-4009	191	5	sample	sample	NOUN
fsr-4009	191	6	male	male	ADJ
fsr-4009	191	7	female	female	ADJ
fsr-4009	191	8	mean	mean	NOUN
fsr-4009	191	9	std	std	X
fsr-4009	191	10	.	.	PUNCT
fsr-4009	192	1	err	err	PROPN
fsr-4009	192	2	.	.	PUNCT
fsr-4009	193	1	mean	mean	ADJ
fsr-4009	193	2	std	std	PROPN
fsr-4009	193	3	.	.	PUNCT
fsr-4009	194	1	err	err	PROPN
fsr-4009	194	2	.	.	PUNCT
fsr-4009	195	1	mean	mean	ADJ
fsr-4009	195	2	std	std	PROPN
fsr-4009	195	3	.	.	PUNCT
fsr-4009	196	1	err	err	NOUN
fsr-4009	196	2	.	.	PUNCT
fsr-4009	197	1	male	male	ADJ
fsr-4009	197	2	0.5146	0.5146	NUM
fsr-4009	197	3	0.0081	0.0081	NUM
fsr-4009	197	4	female	female	ADJ
fsr-4009	197	5	0.4854	0.4854	NUM
fsr-4009	197	6	0.0081	0.0081	NUM
fsr-4009	197	7	participation	participation	NOUN
fsr-4009	197	8	in	in	ADP
fsr-4009	197	9	employer	employer	NOUN
fsr-4009	197	10	-	-	PUNCT
fsr-4009	197	11	sponsored	sponsor	VERB
fsr-4009	197	12	retirement	retirement	NOUN
fsr-4009	197	13	plan	plan	NOUN
fsr-4009	197	14	0.5618	0.5618	NUM
fsr-4009	197	15	0.0082	0.0082	NUM
fsr-4009	197	16	0.5559	0.5559	NUM
fsr-4009	197	17	0.0116	0.0116	NUM
fsr-4009	197	18	0.5695	0.5695	NUM
fsr-4009	197	19	0.0115	0.0115	NUM
fsr-4009	197	20	objective	objective	ADJ
fsr-4009	197	21	financial	financial	ADJ
fsr-4009	197	22	knowledge	knowledge	NOUN
fsr-4009	197	23	2.7525	2.7525	NUM
fsr-4009	197	24	0.0267	0.0267	NUM
fsr-4009	198	1	3.0125	3.0125	NUM
fsr-4009	198	2	0.0383	0.0383	NUM
fsr-4009	198	3	2.4160	2.4160	NUM
fsr-4009	198	4	0.0349	0.0349	NUM
fsr-4009	198	5	white	white	ADJ
fsr-4009	198	6	0.5765	0.5765	NUM
fsr-4009	198	7	0.0084	0.0084	NUM
fsr-4009	198	8	0.5764	0.5764	NUM
fsr-4009	198	9	0.0118	0.0118	NUM
fsr-4009	198	10	0.5767	0.5767	NUM
fsr-4009	198	11	0.0117	0.0117	NUM
fsr-4009	198	12	homeownership	homeownership	NOUN
fsr-4009	198	13	0.3695	0.3695	NUM
fsr-4009	198	14	0.0079	0.0079	NUM
fsr-4009	198	15	0.3924	0.3924	NUM
fsr-4009	198	16	0.0112	0.0112	NUM
fsr-4009	198	17	0.3399	0.3399	NUM
fsr-4009	198	18	0.0109	0.0109	NUM
fsr-4009	198	19	risk	risk	NOUN
fsr-4009	198	20	tolerance	tolerance	NOUN
fsr-4009	198	21	level	level	NOUN
fsr-4009	198	22	low	low	ADJ
fsr-4009	198	23	0.2304	0.2304	NUM
fsr-4009	198	24	0.0069	0.0069	NUM
fsr-4009	198	25	0.1729	0.1729	NUM
fsr-4009	198	26	0.0089	0.0089	NUM
fsr-4009	198	27	0.3048	0.3048	NUM
fsr-4009	198	28	0.0106	0.0106	NUM
fsr-4009	198	29	medium	medium	NOUN
fsr-4009	198	30	0.5061	0.5061	NUM
fsr-4009	198	31	0.0083	0.0083	NUM
fsr-4009	198	32	0.5052	0.5052	NUM
fsr-4009	198	33	0.0117	0.0117	NUM
fsr-4009	198	34	0.5072	0.5072	NUM
fsr-4009	198	35	0.0116	0.0116	NUM
fsr-4009	198	36	high	high	ADJ
fsr-4009	198	37	0.2635	0.2635	NUM
fsr-4009	198	38	0.0076	0.0076	NUM
fsr-4009	198	39	0.3219	0.3219	NUM
fsr-4009	198	40	0.0111	0.0111	NUM
fsr-4009	198	41	0.1880	0.1880	NUM
fsr-4009	198	42	0.0092	0.0092	NUM
fsr-4009	198	43	age	age	NOUN
fsr-4009	198	44	18	18	NUM
fsr-4009	198	45	-	-	SYM
fsr-4009	198	46	24	24	NUM
fsr-4009	198	47	0.2641	0.2641	NUM
fsr-4009	198	48	0.0076	0.0076	NUM
fsr-4009	198	49	0.2491	0.2491	NUM
fsr-4009	198	50	0.0108	0.0108	NUM
fsr-4009	198	51	0.2835	0.2835	NUM
fsr-4009	198	52	0.0106	0.0106	NUM
fsr-4009	198	53	25	25	NUM
fsr-4009	198	54	-	-	SYM
fsr-4009	198	55	34	34	NUM
fsr-4009	198	56	0.3559	0.3559	NUM
fsr-4009	198	57	0.0080	0.0080	NUM
fsr-4009	198	58	0.3617	0.3617	NUM
fsr-4009	198	59	0.0113	0.0113	NUM
fsr-4009	198	60	0.3484	0.3484	NUM
fsr-4009	198	61	0.0110	0.0110	NUM
fsr-4009	198	62	35	35	NUM
fsr-4009	198	63	-	-	SYM
fsr-4009	198	64	44	44	NUM
fsr-4009	198	65	0.1708	0.1708	NUM
fsr-4009	198	66	0.0060	0.0060	NUM
fsr-4009	198	67	0.1686	0.1686	NUM
fsr-4009	198	68	0.0083	0.0083	NUM
fsr-4009	198	69	0.1738	0.1738	NUM
fsr-4009	198	70	0.0086	0.0086	NUM
fsr-4009	198	71	45	45	NUM
fsr-4009	198	72	-	-	SYM
fsr-4009	198	73	54	54	NUM
fsr-4009	198	74	0.1233	0.1233	NUM
fsr-4009	198	75	0.0052	0.0052	NUM
fsr-4009	198	76	0.1345	0.1345	NUM
fsr-4009	198	77	0.0074	0.0074	NUM
fsr-4009	198	78	0.1088	0.1088	NUM
fsr-4009	198	79	0.0070	0.0070	NUM
fsr-4009	198	80	55	55	NUM
fsr-4009	198	81	-	-	SYM
fsr-4009	198	82	64	64	NUM
fsr-4009	198	83	0.0704	0.0704	NUM
fsr-4009	198	84	0.0040	0.0040	NUM
fsr-4009	198	85	0.0722	0.0722	NUM
fsr-4009	198	86	0.0055	0.0055	NUM
fsr-4009	198	87	0.0681	0.0681	NUM
fsr-4009	198	88	0.0059	0.0059	NUM
fsr-4009	198	89	65	65	NUM
fsr-4009	198	90	+	+	NUM
fsr-4009	198	91	0.0155	0.0155	NUM
fsr-4009	198	92	0.0019	0.0019	NUM
fsr-4009	198	93	0.0139	0.0139	NUM
fsr-4009	198	94	0.0025	0.0025	NUM
fsr-4009	198	95	0.0175	0.0175	NUM
fsr-4009	198	96	0.0030	0.0030	NUM
fsr-4009	198	97	annual	annual	ADJ
fsr-4009	198	98	income	income	NOUN
fsr-4009	198	99	level	level	NOUN
fsr-4009	198	100	less	less	ADJ
fsr-4009	198	101	than	than	ADP
fsr-4009	198	102	$	$	SYM
fsr-4009	198	103	50,000	50,000	NUM
fsr-4009	198	104	0.5870	0.5870	NUM
fsr-4009	198	105	0.0081	0.0081	NUM
fsr-4009	198	106	0.5624	0.5624	NUM
fsr-4009	198	107	0.0115	0.0115	NUM
fsr-4009	198	108	0.6188	0.6188	NUM
fsr-4009	198	109	0.0111	0.0111	NUM
fsr-4009	198	110	$	$	SYM
fsr-4009	198	111	50,000	50,000	NUM
fsr-4009	198	112	to	to	PART
fsr-4009	198	113	$	$	SYM
fsr-4009	198	114	75,000	75,000	NUM
fsr-4009	198	115	0.2033	0.2033	NUM
fsr-4009	198	116	0.0065	0.0065	NUM
fsr-4009	198	117	0.2159	0.2159	NUM
fsr-4009	198	118	0.0092	0.0092	NUM
fsr-4009	198	119	0.1869	0.1869	NUM
fsr-4009	198	120	0.0090	0.0090	NUM
fsr-4009	198	121	financial	financial	ADJ
fsr-4009	198	122	services	service	NOUN
fsr-4009	198	123	review	review	NOUN
fsr-4009	198	124	,	,	PUNCT
fsr-4009	198	125	33(2	33(2	NUM
fsr-4009	198	126	)	)	PUNCT
fsr-4009	198	127	152	152	NUM
fsr-4009	198	128	$	$	SYM
fsr-4009	198	129	75,000	75,000	NUM
fsr-4009	198	130	to	to	PART
fsr-4009	198	131	$	$	SYM
fsr-4009	198	132	100,000	100,000	NUM
fsr-4009	198	133	0.1090	0.1090	NUM
fsr-4009	198	134	0.0050	0.0050	NUM
fsr-4009	198	135	0.1161	0.1161	NUM
fsr-4009	198	136	0.0072	0.0072	NUM
fsr-4009	198	137	0.0998	0.0998	NUM
fsr-4009	198	138	0.0067	0.0067	NUM
fsr-4009	198	139	$	$	SYM
fsr-4009	198	140	100,000	100,000	NUM
fsr-4009	198	141	to	to	PART
fsr-4009	198	142	$	$	SYM
fsr-4009	198	143	150,000	150,000	NUM
fsr-4009	198	144	0.0676	0.0676	NUM
fsr-4009	198	145	0.0040	0.0040	NUM
fsr-4009	198	146	0.0679	0.0679	NUM
fsr-4009	198	147	0.0056	0.0056	NUM
fsr-4009	198	148	0.0673	0.0673	NUM
fsr-4009	198	149	0.0057	0.0057	NUM
fsr-4009	198	150	$	$	SYM
fsr-4009	198	151	150,000	150,000	NUM
fsr-4009	198	152	to	to	PART
fsr-4009	198	153	$	$	SYM
fsr-4009	198	154	200,000	200,000	NUM
fsr-4009	198	155	0.0197	0.0197	NUM
fsr-4009	198	156	0.0021	0.0021	NUM
fsr-4009	198	157	0.0221	0.0221	NUM
fsr-4009	198	158	0.0030	0.0030	NUM
fsr-4009	198	159	0.0165	0.0165	NUM
fsr-4009	198	160	0.0029	0.0029	NUM
fsr-4009	198	161	$	$	SYM
fsr-4009	198	162	200,000	200,000	NUM
fsr-4009	198	163	to	to	PART
fsr-4009	198	164	$	$	SYM
fsr-4009	198	165	300,000	300,000	NUM
fsr-4009	198	166	0.0093	0.0093	NUM
fsr-4009	198	167	0.0017	0.0017	NUM
fsr-4009	198	168	0.0108	0.0108	NUM
fsr-4009	198	169	0.0026	0.0026	NUM
fsr-4009	198	170	0.0072	0.0072	NUM
fsr-4009	198	171	0.0018	0.0018	NUM
fsr-4009	198	172	more	more	ADJ
fsr-4009	198	173	than	than	ADP
fsr-4009	198	174	$	$	SYM
fsr-4009	198	175	300,000	300,000	NUM
fsr-4009	198	176	0.0042	0.0042	NUM
fsr-4009	198	177	0.0010	0.0010	NUM
fsr-4009	198	178	0.0048	0.0048	NUM
fsr-4009	198	179	0.0014	0.0014	NUM
fsr-4009	198	180	0.0034	0.0034	NUM
fsr-4009	198	181	0.0012	0.0012	NUM
fsr-4009	198	182	education	education	NOUN
fsr-4009	198	183	level	level	NOUN
fsr-4009	198	184	high	high	ADJ
fsr-4009	198	185	school	school	NOUN
fsr-4009	198	186	education	education	NOUN
fsr-4009	198	187	or	or	CCONJ
fsr-4009	198	188	less	less	ADJ
fsr-4009	198	189	0.3105	0.3105	NUM
fsr-4009	198	190	0.0080	0.0080	NUM
fsr-4009	198	191	0.3420	0.3420	NUM
fsr-4009	198	192	0.0115	0.0115	NUM
fsr-4009	198	193	0.2696	0.2696	NUM
fsr-4009	198	194	0.0106	0.0106	NUM
fsr-4009	198	195	some	some	DET
fsr-4009	198	196	college	college	NOUN
fsr-4009	198	197	0.2607	0.2607	NUM
fsr-4009	198	198	0.0073	0.0073	NUM
fsr-4009	198	199	0.2545	0.2545	NUM
fsr-4009	198	200	0.0102	0.0102	NUM
fsr-4009	198	201	0.2688	0.2688	NUM
fsr-4009	198	202	0.0105	0.0105	NUM
fsr-4009	198	203	associate	associate	NOUN
fsr-4009	198	204	degree	degree	NOUN
fsr-4009	198	205	0.1111	0.1111	NUM
fsr-4009	198	206	0.0053	0.0053	NUM
fsr-4009	198	207	0.1073	0.1073	NUM
fsr-4009	198	208	0.0073	0.0073	NUM
fsr-4009	198	209	0.1160	0.1160	NUM
fsr-4009	198	210	0.0076	0.0076	NUM
fsr-4009	198	211	bachelor	bachelor	NOUN
fsr-4009	198	212	’s	’s	PART
fsr-4009	198	213	degree	degree	NOUN
fsr-4009	198	214	0.2400	0.2400	NUM
fsr-4009	198	215	0.0066	0.0066	NUM
fsr-4009	198	216	0.2420	0.2420	NUM
fsr-4009	198	217	0.0093	0.0093	NUM
fsr-4009	198	218	0.2373	0.2373	NUM
fsr-4009	198	219	0.0093	0.0093	NUM
fsr-4009	198	220	postgraduate	postgraduate	NOUN
fsr-4009	198	221	degree	degree	NOUN
fsr-4009	198	222	0.0777	0.0777	NUM
fsr-4009	198	223	0.0039	0.0039	NUM
fsr-4009	198	224	0.0541	0.0541	NUM
fsr-4009	198	225	0.0047	0.0047	NUM
fsr-4009	198	226	0.1083	0.1083	NUM
fsr-4009	198	227	0.0067	0.0067	NUM
fsr-4009	198	228	number	number	NOUN
fsr-4009	198	229	of	of	ADP
fsr-4009	198	230	observations	observation	NOUN
fsr-4009	198	231	4136	4136	NUM
fsr-4009	198	232	2128	2128	NUM
fsr-4009	198	233	2008	2008	NUM
fsr-4009	198	234	notes	note	VERB
fsr-4009	198	235	:	:	PUNCT
fsr-4009	198	236	this	this	DET
fsr-4009	198	237	analysis	analysis	NOUN
fsr-4009	198	238	uses	use	VERB
fsr-4009	198	239	data	datum	NOUN
fsr-4009	198	240	from	from	ADP
fsr-4009	198	241	the	the	DET
fsr-4009	198	242	finra	finra	PROPN
fsr-4009	198	243	foundation	foundation	PROPN
fsr-4009	198	244	2021	2021	NUM
fsr-4009	198	245	nfcs	nfc	NOUN
fsr-4009	198	246	state	state	NOUN
fsr-4009	198	247	by	by	ADP
fsr-4009	198	248	state	state	NOUN
fsr-4009	198	249	dataset	dataset	NOUN
fsr-4009	198	250	.	.	PUNCT
fsr-4009	199	1	mean	mean	ADJ
fsr-4009	199	2	values	value	NOUN
fsr-4009	199	3	are	be	AUX
fsr-4009	199	4	shown	show	VERB
fsr-4009	199	5	alongside	alongside	ADP
fsr-4009	199	6	the	the	DET
fsr-4009	199	7	standard	standard	ADJ
fsr-4009	199	8	errors	error	NOUN
fsr-4009	199	9	.	.	PUNCT
fsr-4009	200	1	survey	survey	NOUN
fsr-4009	200	2	weights	weight	NOUN
fsr-4009	200	3	are	be	AUX
fsr-4009	200	4	applied	apply	VERB
fsr-4009	200	5	.	.	PUNCT
fsr-4009	201	1	*	*	PUNCT
fsr-4009	201	2	*	*	PUNCT
fsr-4009	201	3	*	*	PUNCT
fsr-4009	201	4	indicates	indicate	VERB
fsr-4009	201	5	significance	significance	NOUN
fsr-4009	201	6	at	at	ADP
fsr-4009	201	7	the	the	DET
fsr-4009	201	8	1	1	NUM
fsr-4009	201	9	%	%	NOUN
fsr-4009	201	10	level	level	NOUN
fsr-4009	201	11	;	;	PUNCT
fsr-4009	201	12	*	*	PUNCT
fsr-4009	201	13	*	*	PUNCT
fsr-4009	201	14	indicates	indicate	VERB
fsr-4009	201	15	significance	significance	NOUN
fsr-4009	201	16	at	at	ADP
fsr-4009	201	17	the	the	DET
fsr-4009	201	18	5	5	NUM
fsr-4009	201	19	%	%	NOUN
fsr-4009	201	20	level	level	NOUN
fsr-4009	201	21	;	;	PUNCT
fsr-4009	201	22	*	*	VERB
fsr-4009	201	23	indicates	indicate	VERB
fsr-4009	201	24	significance	significance	NOUN
fsr-4009	201	25	at	at	ADP
fsr-4009	201	26	the	the	DET
fsr-4009	201	27	10	10	NUM
fsr-4009	201	28	%	%	NOUN
fsr-4009	201	29	level	level	NOUN
fsr-4009	201	30	.	.	PUNCT
fsr-4009	202	1	model	model	NOUN
fsr-4009	202	2	a	a	DET
fsr-4009	202	3	linear	linear	ADJ
fsr-4009	202	4	probability	probability	NOUN
fsr-4009	202	5	model	model	NOUN
fsr-4009	202	6	is	be	AUX
fsr-4009	202	7	estimated	estimate	VERB
fsr-4009	202	8	separately	separately	ADV
fsr-4009	202	9	for	for	ADP
fsr-4009	202	10	men	man	NOUN
fsr-4009	202	11	and	and	CCONJ
fsr-4009	202	12	women	woman	NOUN
fsr-4009	202	13	in	in	ADP
fsr-4009	202	14	order	order	NOUN
fsr-4009	202	15	to	to	PART
fsr-4009	202	16	decompose	decompose	VERB
fsr-4009	202	17	the	the	DET
fsr-4009	202	18	gap	gap	NOUN
fsr-4009	202	19	in	in	ADP
fsr-4009	202	20	participation	participation	NOUN
fsr-4009	202	21	into	into	ADP
fsr-4009	202	22	its	its	PRON
fsr-4009	202	23	explained	explain	VERB
fsr-4009	202	24	and	and	CCONJ
fsr-4009	202	25	unexplained	unexplained	ADJ
fsr-4009	202	26	portions	portion	NOUN
fsr-4009	202	27	.	.	PUNCT
fsr-4009	203	1	model	model	NOUN
fsr-4009	203	2	1	1	NUM
fsr-4009	203	3	(	(	PUNCT
fsr-4009	203	4	male	male	ADJ
fsr-4009	203	5	):	):	PUNCT
fsr-4009	203	6	ersi	ersi	ADJ
fsr-4009	203	7	=	=	PUNCT
fsr-4009	203	8	β0	β0	PROPN
fsr-4009	203	9	m	m	VERB
fsr-4009	203	10	+	+	X
fsr-4009	203	11	β1	β1	VERB
fsr-4009	203	12	m	m	NOUN
fsr-4009	203	13	finliti	finliti	NOUN
fsr-4009	204	1	+	+	CCONJ
fsr-4009	204	2	γm	γm	ADJ
fsr-4009	204	3	xi	xi	X
fsr-4009	204	4	+	+	CCONJ
fsr-4009	204	5	vmi	vmi	PROPN
fsr-4009	204	6	model	model	NOUN
fsr-4009	204	7	2	2	NUM
fsr-4009	204	8	(	(	PUNCT
fsr-4009	204	9	female	female	NOUN
fsr-4009	204	10	):	):	PUNCT
fsr-4009	204	11	ersi	ersi	ADJ
fsr-4009	204	12	=	=	PUNCT
fsr-4009	204	13	β0f	β0f	PUNCT
fsr-4009	205	1	+	+	PUNCT
fsr-4009	205	2	β1f	β1f	NOUN
fsr-4009	205	3	finliti	finliti	ADV
fsr-4009	206	1	+	+	CCONJ
fsr-4009	206	2	γf	γf	ADJ
fsr-4009	206	3	xi	xi	X
fsr-4009	206	4	+	+	NOUN
fsr-4009	206	5	vfi	vfi	NUM
fsr-4009	206	6	where	where	SCONJ
fsr-4009	206	7	ersi	ersi	NOUN
fsr-4009	206	8	is	be	AUX
fsr-4009	206	9	a	a	DET
fsr-4009	206	10	binary	binary	ADJ
fsr-4009	206	11	dependent	dependent	ADJ
fsr-4009	206	12	variable	variable	NOUN
fsr-4009	206	13	that	that	PRON
fsr-4009	206	14	takes	take	VERB
fsr-4009	206	15	a	a	DET
fsr-4009	206	16	value	value	NOUN
fsr-4009	206	17	of	of	ADP
fsr-4009	206	18	1	1	NUM
fsr-4009	206	19	if	if	SCONJ
fsr-4009	206	20	a	a	DET
fsr-4009	206	21	respondent	respondent	NOUN
fsr-4009	206	22	participates	participate	VERB
fsr-4009	206	23	in	in	ADP
fsr-4009	206	24	an	an	DET
fsr-4009	206	25	employer	employer	NOUN
fsr-4009	206	26	-	-	PUNCT
fsr-4009	206	27	sponsored	sponsor	VERB
fsr-4009	206	28	,	,	PUNCT
fsr-4009	206	29	retirement	retirement	NOUN
fsr-4009	206	30	-	-	PUNCT
fsr-4009	206	31	plan	plan	NOUN
fsr-4009	206	32	and	and	CCONJ
fsr-4009	206	33	0	0	NUM
fsr-4009	206	34	otherwise	otherwise	ADV
fsr-4009	206	35	.	.	PUNCT
fsr-4009	207	1	𝛽0	𝛽0	PROPN
fsr-4009	207	2	is	be	AUX
fsr-4009	207	3	the	the	DET
fsr-4009	207	4	intercept	intercept	NOUN
fsr-4009	207	5	.	.	PUNCT
fsr-4009	208	1	𝛽1	𝛽1	NOUN
fsr-4009	208	2	is	be	AUX
fsr-4009	208	3	the	the	DET
fsr-4009	208	4	association	association	NOUN
fsr-4009	208	5	between	between	ADP
fsr-4009	208	6	financial	financial	ADJ
fsr-4009	208	7	knowledge	knowledge	NOUN
fsr-4009	208	8	and	and	CCONJ
fsr-4009	208	9	employersponsored	employersponsored	ADJ
fsr-4009	208	10	,	,	PUNCT
fsr-4009	208	11	retirement	retirement	NOUN
fsr-4009	208	12	-	-	PUNCT
fsr-4009	208	13	plan	plan	NOUN
fsr-4009	208	14	participation	participation	NOUN
fsr-4009	208	15	.	.	PUNCT
fsr-4009	209	1	finliti	finliti	ADV
fsr-4009	209	2	is	be	AUX
fsr-4009	209	3	the	the	DET
fsr-4009	209	4	financial	financial	ADJ
fsr-4009	209	5	literacy	literacy	NOUN
fsr-4009	209	6	score	score	NOUN
fsr-4009	209	7	earned	earn	VERB
fsr-4009	209	8	by	by	ADP
fsr-4009	209	9	respondent	respondent	NOUN
fsr-4009	209	10	i.	i.	NOUN
fsr-4009	209	11	the	the	DET
fsr-4009	209	12	matrix	matrix	NOUN
fsr-4009	210	1	𝑋i	𝑋i	NOUN
fsr-4009	210	2	contains	contain	VERB
fsr-4009	210	3	all	all	DET
fsr-4009	210	4	other	other	ADJ
fsr-4009	210	5	explanatory	explanatory	ADJ
fsr-4009	210	6	variables	variable	NOUN
fsr-4009	210	7	related	relate	VERB
fsr-4009	210	8	to	to	ADP
fsr-4009	210	9	participation	participation	NOUN
fsr-4009	210	10	in	in	ADP
fsr-4009	210	11	employersponsored	employersponsored	ADJ
fsr-4009	210	12	retirement	retirement	NOUN
fsr-4009	210	13	plans	plan	NOUN
fsr-4009	210	14	.	.	PUNCT
fsr-4009	211	1	these	these	DET
fsr-4009	211	2	explanatory	explanatory	ADJ
fsr-4009	211	3	variables	variable	NOUN
fsr-4009	211	4	include	include	VERB
fsr-4009	211	5	age	age	NOUN
fsr-4009	211	6	,	,	PUNCT
fsr-4009	211	7	level	level	NOUN
fsr-4009	211	8	of	of	ADP
fsr-4009	211	9	education	education	NOUN
fsr-4009	211	10	,	,	PUNCT
fsr-4009	211	11	race	race	NOUN
fsr-4009	211	12	,	,	PUNCT
fsr-4009	211	13	home	home	NOUN
fsr-4009	211	14	ownership	ownership	NOUN
fsr-4009	211	15	,	,	PUNCT
fsr-4009	211	16	income	income	NOUN
fsr-4009	211	17	,	,	PUNCT
fsr-4009	211	18	and	and	CCONJ
fsr-4009	211	19	risk	risk	NOUN
fsr-4009	211	20	tolerance	tolerance	NOUN
fsr-4009	211	21	.	.	PUNCT
fsr-4009	212	1	γm	γm	ADJ
fsr-4009	213	1	and	and	CCONJ
fsr-4009	213	2	γf	γf	PROPN
fsr-4009	213	3	are	be	AUX
fsr-4009	213	4	vectors	vector	NOUN
fsr-4009	213	5	of	of	ADP
fsr-4009	213	6	the	the	DET
fsr-4009	213	7	slope	slope	NOUN
fsr-4009	213	8	parameters	parameter	NOUN
fsr-4009	213	9	for	for	ADP
fsr-4009	213	10	age	age	NOUN
fsr-4009	213	11	,	,	PUNCT
fsr-4009	213	12	level	level	NOUN
fsr-4009	213	13	of	of	ADP
fsr-4009	213	14	education	education	NOUN
fsr-4009	213	15	,	,	PUNCT
fsr-4009	213	16	race	race	NOUN
fsr-4009	213	17	,	,	PUNCT
fsr-4009	213	18	home	home	NOUN
fsr-4009	213	19	ownership	ownership	NOUN
fsr-4009	213	20	,	,	PUNCT
fsr-4009	213	21	income	income	NOUN
fsr-4009	213	22	,	,	PUNCT
fsr-4009	213	23	and	and	CCONJ
fsr-4009	213	24	risk	risk	NOUN
fsr-4009	213	25	tolerance	tolerance	NOUN
fsr-4009	213	26	.	.	PUNCT
fsr-4009	214	1	vi	vi	PROPN
fsr-4009	214	2	is	be	AUX
fsr-4009	214	3	the	the	DET
fsr-4009	214	4	error	error	NOUN
fsr-4009	214	5	term	term	NOUN
fsr-4009	214	6	that	that	PRON
fsr-4009	214	7	is	be	AUX
fsr-4009	214	8	assumed	assume	VERB
fsr-4009	214	9	to	to	PART
fsr-4009	214	10	follow	follow	VERB
fsr-4009	214	11	a	a	DET
fsr-4009	214	12	normal	normal	ADJ
fsr-4009	214	13	distribution	distribution	NOUN
fsr-4009	214	14	.	.	PUNCT
fsr-4009	215	1	robust	robust	ADJ
fsr-4009	215	2	standard	standard	ADJ
fsr-4009	215	3	errors	error	NOUN
fsr-4009	215	4	are	be	AUX
fsr-4009	215	5	used	use	VERB
fsr-4009	215	6	to	to	PART
fsr-4009	215	7	adjust	adjust	VERB
fsr-4009	215	8	for	for	ADP
fsr-4009	215	9	heteroskedasticity	heteroskedasticity	NOUN
fsr-4009	215	10	.	.	PUNCT
fsr-4009	216	1	this	this	DET
fsr-4009	216	2	study	study	NOUN
fsr-4009	216	3	uses	use	VERB
fsr-4009	216	4	oaxaca	oaxaca	PROPN
fsr-4009	216	5	decomposition	decomposition	NOUN
fsr-4009	216	6	to	to	PART
fsr-4009	216	7	compute	compute	VERB
fsr-4009	216	8	how	how	SCONJ
fsr-4009	216	9	much	much	ADJ
fsr-4009	216	10	of	of	ADP
fsr-4009	216	11	the	the	DET
fsr-4009	216	12	gender	gender	NOUN
fsr-4009	216	13	gap	gap	NOUN
fsr-4009	216	14	in	in	ADP
fsr-4009	216	15	employer	employer	NOUN
fsr-4009	216	16	-	-	PUNCT
fsr-4009	216	17	sponsored	sponsor	VERB
fsr-4009	216	18	retirement	retirement	NOUN
fsr-4009	216	19	-	-	PUNCT
fsr-4009	216	20	plan	plan	NOUN
fsr-4009	216	21	participation	participation	NOUN
fsr-4009	216	22	is	be	AUX
fsr-4009	216	23	due	due	ADJ
fsr-4009	216	24	to	to	ADP
fsr-4009	216	25	differences	difference	NOUN
fsr-4009	216	26	in	in	ADP
fsr-4009	216	27	levels	level	NOUN
fsr-4009	216	28	of	of	ADP
fsr-4009	216	29	the	the	DET
fsr-4009	216	30	explanatory	explanatory	ADJ
fsr-4009	216	31	variables	variable	NOUN
fsr-4009	216	32	(	(	PUNCT
fsr-4009	216	33	financial	financial	ADJ
fsr-4009	216	34	literacy	literacy	NOUN
fsr-4009	216	35	,	,	PUNCT
fsr-4009	216	36	risk	risk	NOUN
fsr-4009	216	37	tolerance	tolerance	NOUN
fsr-4009	216	38	,	,	PUNCT
fsr-4009	216	39	and	and	CCONJ
fsr-4009	216	40	other	other	ADJ
fsr-4009	216	41	demographic	demographic	ADJ
fsr-4009	216	42	and	and	CCONJ
fsr-4009	216	43	economic	economic	ADJ
fsr-4009	216	44	variables	variable	NOUN
fsr-4009	216	45	)	)	PUNCT
fsr-4009	216	46	and	and	CCONJ
fsr-4009	216	47	how	how	SCONJ
fsr-4009	216	48	much	much	ADJ
fsr-4009	216	49	is	be	AUX
fsr-4009	216	50	due	due	ADJ
fsr-4009	216	51	to	to	ADP
fsr-4009	216	52	the	the	DET
fsr-4009	216	53	return	return	NOUN
fsr-4009	216	54	to	to	ADP
fsr-4009	216	55	each	each	DET
fsr-4009	216	56	explanatory	explanatory	ADJ
fsr-4009	216	57	variable	variable	NOUN
fsr-4009	216	58	(	(	PUNCT
fsr-4009	216	59	the	the	DET
fsr-4009	216	60	regression	regression	NOUN
fsr-4009	216	61	coefficients	coefficient	NOUN
fsr-4009	216	62	)	)	PUNCT
fsr-4009	216	63	.	.	PUNCT
fsr-4009	217	1	the	the	DET
fsr-4009	217	2	oaxaca	oaxaca	PROPN
fsr-4009	217	3	decomposition	decomposition	NOUN
fsr-4009	217	4	is	be	AUX
fsr-4009	217	5	a	a	DET
fsr-4009	217	6	statistical	statistical	ADJ
fsr-4009	217	7	technique	technique	NOUN
fsr-4009	217	8	commonly	commonly	ADV
fsr-4009	217	9	used	use	VERB
fsr-4009	217	10	to	to	PART
fsr-4009	217	11	break	break	VERB
fsr-4009	217	12	down	down	ADP
fsr-4009	217	13	differences	difference	NOUN
fsr-4009	217	14	in	in	ADP
fsr-4009	217	15	outcomes	outcome	NOUN
fsr-4009	217	16	,	,	PUNCT
fsr-4009	217	17	such	such	ADJ
fsr-4009	217	18	as	as	ADP
fsr-4009	217	19	earnings	earning	NOUN
fsr-4009	217	20	or	or	CCONJ
fsr-4009	217	21	participation	participation	NOUN
fsr-4009	217	22	rates	rate	NOUN
fsr-4009	217	23	between	between	ADP
fsr-4009	217	24	groups	group	NOUN
fsr-4009	217	25	.	.	PUNCT
fsr-4009	218	1	it	it	PRON
fsr-4009	218	2	separates	separate	VERB
fsr-4009	218	3	the	the	DET
fsr-4009	218	4	total	total	ADJ
fsr-4009	218	5	difference	difference	NOUN
fsr-4009	218	6	into	into	ADP
fsr-4009	218	7	two	two	NUM
fsr-4009	218	8	parts	part	NOUN
fsr-4009	218	9	:	:	PUNCT
fsr-4009	218	10	one	one	NUM
fsr-4009	218	11	that	that	PRON
fsr-4009	218	12	is	be	AUX
fsr-4009	218	13	explained	explain	VERB
fsr-4009	218	14	by	by	ADP
fsr-4009	218	15	differences	difference	NOUN
fsr-4009	218	16	in	in	ADP
fsr-4009	218	17	observable	observable	ADJ
fsr-4009	218	18	factors	factor	NOUN
fsr-4009	218	19	(	(	PUNCT
fsr-4009	218	20	e.g.	e.g.	ADV
fsr-4009	218	21	,	,	PUNCT
fsr-4009	218	22	financial	financial	ADJ
fsr-4009	218	23	literacy	literacy	NOUN
fsr-4009	218	24	,	,	PUNCT
fsr-4009	218	25	income	income	NOUN
fsr-4009	218	26	,	,	PUNCT
fsr-4009	218	27	education	education	NOUN
fsr-4009	218	28	)	)	PUNCT
fsr-4009	218	29	and	and	CCONJ
fsr-4009	218	30	the	the	DET
fsr-4009	218	31	other	other	ADJ
fsr-4009	218	32	unexplained	unexplained	ADJ
fsr-4009	218	33	,	,	PUNCT
fsr-4009	218	34	often	often	ADV
fsr-4009	218	35	attributed	attribute	VERB
fsr-4009	218	36	to	to	ADP
fsr-4009	218	37	discrimination	discrimination	NOUN
fsr-4009	218	38	or	or	CCONJ
fsr-4009	218	39	unmeasured	unmeasured	ADJ
fsr-4009	218	40	factors	factor	NOUN
fsr-4009	218	41	that	that	PRON
fsr-4009	218	42	are	be	AUX
fsr-4009	218	43	correlated	correlate	VERB
fsr-4009	218	44	with	with	ADP
fsr-4009	218	45	measured	measured	ADJ
fsr-4009	218	46	ones	one	NOUN
fsr-4009	218	47	.	.	PUNCT
fsr-4009	219	1	this	this	DET
fsr-4009	219	2	method	method	NOUN
fsr-4009	219	3	is	be	AUX
fsr-4009	219	4	appropriate	appropriate	ADJ
fsr-4009	219	5	for	for	ADP
fsr-4009	219	6	analyzing	analyze	VERB
fsr-4009	219	7	gender	gender	NOUN
fsr-4009	219	8	gaps	gap	NOUN
fsr-4009	219	9	in	in	ADP
fsr-4009	219	10	ahmmed	ahmmed	PROPN
fsr-4009	219	11	et	et	PROPN
fsr-4009	219	12	al	al	PROPN
fsr-4009	219	13	.	.	PROPN
fsr-4009	219	14	153	153	NUM
fsr-4009	219	15	employer	employer	NOUN
fsr-4009	219	16	-	-	PUNCT
fsr-4009	219	17	sponsored	sponsor	VERB
fsr-4009	219	18	retirement	retirement	NOUN
fsr-4009	219	19	-	-	PUNCT
fsr-4009	219	20	plan	plan	NOUN
fsr-4009	219	21	participation	participation	NOUN
fsr-4009	219	22	,	,	PUNCT
fsr-4009	219	23	as	as	SCONJ
fsr-4009	219	24	it	it	PRON
fsr-4009	219	25	shows	show	VERB
fsr-4009	219	26	not	not	PART
fsr-4009	219	27	only	only	ADV
fsr-4009	219	28	whether	whether	SCONJ
fsr-4009	219	29	men	man	NOUN
fsr-4009	219	30	and	and	CCONJ
fsr-4009	219	31	women	woman	NOUN
fsr-4009	219	32	differ	differ	VERB
fsr-4009	219	33	in	in	ADP
fsr-4009	219	34	characteristics	characteristic	NOUN
fsr-4009	219	35	that	that	PRON
fsr-4009	219	36	influence	influence	NOUN
fsr-4009	219	37	retirement	retirement	NOUN
fsr-4009	219	38	plan	plan	NOUN
fsr-4009	219	39	participation	participation	NOUN
fsr-4009	219	40	,	,	PUNCT
fsr-4009	219	41	but	but	CCONJ
fsr-4009	219	42	also	also	ADV
fsr-4009	219	43	whether	whether	SCONJ
fsr-4009	219	44	they	they	PRON
fsr-4009	219	45	receive	receive	VERB
fsr-4009	219	46	different	different	ADJ
fsr-4009	219	47	returns	return	NOUN
fsr-4009	219	48	to	to	ADP
fsr-4009	219	49	those	those	DET
fsr-4009	219	50	characteristics	characteristic	NOUN
fsr-4009	219	51	.	.	PUNCT
fsr-4009	220	1	results	result	VERB
fsr-4009	220	2	the	the	DET
fsr-4009	220	3	coefficients	coefficient	NOUN
fsr-4009	220	4	and	and	CCONJ
fsr-4009	220	5	robust	robust	ADJ
fsr-4009	220	6	standard	standard	ADJ
fsr-4009	220	7	errors	error	NOUN
fsr-4009	220	8	for	for	ADP
fsr-4009	220	9	the	the	DET
fsr-4009	220	10	linear	linear	ADJ
fsr-4009	220	11	probability	probability	NOUN
fsr-4009	220	12	models	model	NOUN
fsr-4009	220	13	are	be	AUX
fsr-4009	220	14	shown	show	VERB
fsr-4009	220	15	in	in	ADP
fsr-4009	220	16	table	table	NOUN
fsr-4009	220	17	3	3	NUM
fsr-4009	220	18	for	for	ADP
fsr-4009	220	19	both	both	CCONJ
fsr-4009	220	20	the	the	DET
fsr-4009	220	21	male	male	ADJ
fsr-4009	220	22	and	and	CCONJ
fsr-4009	220	23	female	female	ADJ
fsr-4009	220	24	employed	employ	VERB
fsr-4009	220	25	samples	sample	NOUN
fsr-4009	220	26	.	.	PUNCT
fsr-4009	221	1	column	column	NOUN
fsr-4009	221	2	“	"	PUNCT
fsr-4009	221	3	a	a	PRON
fsr-4009	221	4	”	"	PUNCT
fsr-4009	221	5	of	of	ADP
fsr-4009	221	6	table	table	NOUN
fsr-4009	221	7	3	3	NUM
fsr-4009	221	8	shows	show	VERB
fsr-4009	221	9	results	result	NOUN
fsr-4009	221	10	for	for	ADP
fsr-4009	221	11	the	the	DET
fsr-4009	221	12	male	male	ADJ
fsr-4009	221	13	sample	sample	NOUN
fsr-4009	221	14	.	.	PUNCT
fsr-4009	222	1	column	column	NOUN
fsr-4009	222	2	“	"	PUNCT
fsr-4009	222	3	b	b	X
fsr-4009	222	4	”	"	PUNCT
fsr-4009	222	5	shows	show	VERB
fsr-4009	222	6	results	result	NOUN
fsr-4009	222	7	for	for	ADP
fsr-4009	222	8	the	the	DET
fsr-4009	222	9	female	female	ADJ
fsr-4009	222	10	sample	sample	NOUN
fsr-4009	222	11	.	.	PUNCT
fsr-4009	223	1	consistent	consistent	ADJ
fsr-4009	223	2	with	with	ADP
fsr-4009	223	3	the	the	DET
fsr-4009	223	4	hypothesis	hypothesis	NOUN
fsr-4009	223	5	,	,	PUNCT
fsr-4009	223	6	table	table	NOUN
fsr-4009	223	7	3	3	NUM
fsr-4009	223	8	results	result	NOUN
fsr-4009	223	9	show	show	VERB
fsr-4009	223	10	that	that	SCONJ
fsr-4009	223	11	the	the	DET
fsr-4009	223	12	relationship	relationship	NOUN
fsr-4009	223	13	between	between	ADP
fsr-4009	223	14	objective	objective	ADJ
fsr-4009	223	15	financial	financial	ADJ
fsr-4009	223	16	literacy	literacy	NOUN
fsr-4009	223	17	and	and	CCONJ
fsr-4009	223	18	participation	participation	NOUN
fsr-4009	223	19	in	in	ADP
fsr-4009	223	20	employersponsored	employersponsored	ADJ
fsr-4009	223	21	retirement	retirement	NOUN
fsr-4009	223	22	-	-	PUNCT
fsr-4009	223	23	savings	saving	NOUN
fsr-4009	223	24	plans	plan	NOUN
fsr-4009	223	25	is	be	AUX
fsr-4009	223	26	positive	positive	ADJ
fsr-4009	223	27	in	in	ADP
fsr-4009	223	28	both	both	CCONJ
fsr-4009	223	29	the	the	DET
fsr-4009	223	30	male	male	ADJ
fsr-4009	223	31	and	and	CCONJ
fsr-4009	223	32	female	female	ADJ
fsr-4009	223	33	samples	sample	NOUN
fsr-4009	223	34	.	.	PUNCT
fsr-4009	224	1	table	table	NOUN
fsr-4009	224	2	3	3	NUM
fsr-4009	224	3	also	also	ADV
fsr-4009	224	4	shows	show	VERB
fsr-4009	224	5	that	that	SCONJ
fsr-4009	224	6	the	the	DET
fsr-4009	224	7	association	association	NOUN
fsr-4009	224	8	between	between	ADP
fsr-4009	224	9	age	age	NOUN
fsr-4009	224	10	and	and	CCONJ
fsr-4009	224	11	employer	employer	NOUN
fsr-4009	224	12	-	-	PUNCT
fsr-4009	224	13	sponsored	sponsor	VERB
fsr-4009	224	14	,	,	PUNCT
fsr-4009	224	15	retirement	retirement	NOUN
fsr-4009	224	16	-	-	PUNCT
fsr-4009	224	17	plan	plan	NOUN
fsr-4009	224	18	participation	participation	NOUN
fsr-4009	224	19	is	be	AUX
fsr-4009	224	20	positive	positive	ADJ
fsr-4009	224	21	for	for	ADP
fsr-4009	224	22	both	both	CCONJ
fsr-4009	224	23	male	male	ADJ
fsr-4009	224	24	and	and	CCONJ
fsr-4009	224	25	female	female	ADJ
fsr-4009	224	26	samples	sample	NOUN
fsr-4009	224	27	,	,	PUNCT
fsr-4009	224	28	suggesting	suggest	VERB
fsr-4009	224	29	that	that	SCONJ
fsr-4009	224	30	older	old	ADJ
fsr-4009	224	31	individuals	individual	NOUN
fsr-4009	224	32	are	be	AUX
fsr-4009	224	33	more	more	ADV
fsr-4009	224	34	likely	likely	ADJ
fsr-4009	224	35	to	to	PART
fsr-4009	224	36	participate	participate	VERB
fsr-4009	224	37	.	.	PUNCT
fsr-4009	225	1	there	there	PRON
fsr-4009	225	2	is	be	VERB
fsr-4009	225	3	also	also	ADV
fsr-4009	225	4	a	a	DET
fsr-4009	225	5	positive	positive	ADJ
fsr-4009	225	6	relationship	relationship	NOUN
fsr-4009	225	7	between	between	ADP
fsr-4009	225	8	a	a	DET
fsr-4009	225	9	respondent	respondent	NOUN
fsr-4009	225	10	’s	’s	PART
fsr-4009	225	11	education	education	NOUN
fsr-4009	225	12	level	level	NOUN
fsr-4009	225	13	and	and	CCONJ
fsr-4009	225	14	participation	participation	NOUN
fsr-4009	225	15	in	in	ADP
fsr-4009	225	16	employer	employer	NOUN
fsr-4009	225	17	-	-	PUNCT
fsr-4009	225	18	sponsored	sponsor	VERB
fsr-4009	225	19	retirement	retirement	NOUN
fsr-4009	225	20	plans	plan	NOUN
fsr-4009	225	21	for	for	ADP
fsr-4009	225	22	both	both	CCONJ
fsr-4009	225	23	the	the	DET
fsr-4009	225	24	male	male	ADJ
fsr-4009	225	25	and	and	CCONJ
fsr-4009	225	26	female	female	ADJ
fsr-4009	225	27	samples	sample	NOUN
fsr-4009	225	28	.	.	PUNCT
fsr-4009	226	1	similarly	similarly	ADV
fsr-4009	226	2	,	,	PUNCT
fsr-4009	226	3	income	income	NOUN
fsr-4009	226	4	is	be	AUX
fsr-4009	226	5	positively	positively	ADV
fsr-4009	226	6	associated	associate	VERB
fsr-4009	226	7	with	with	ADP
fsr-4009	226	8	participation	participation	NOUN
fsr-4009	226	9	in	in	ADP
fsr-4009	226	10	employersponsored	employersponsored	ADJ
fsr-4009	226	11	retirement	retirement	NOUN
fsr-4009	226	12	plans	plan	NOUN
fsr-4009	226	13	for	for	ADP
fsr-4009	226	14	both	both	DET
fsr-4009	226	15	groups	group	NOUN
fsr-4009	226	16	.	.	PUNCT
fsr-4009	227	1	finally	finally	ADV
fsr-4009	227	2	,	,	PUNCT
fsr-4009	227	3	both	both	PRON
fsr-4009	227	4	risk	risk	VERB
fsr-4009	227	5	tolerance	tolerance	NOUN
fsr-4009	227	6	and	and	CCONJ
fsr-4009	227	7	homeownership	homeownership	NOUN
fsr-4009	227	8	are	be	AUX
fsr-4009	227	9	positively	positively	ADV
fsr-4009	227	10	associated	associate	VERB
fsr-4009	227	11	with	with	ADP
fsr-4009	227	12	participation	participation	NOUN
fsr-4009	227	13	in	in	ADP
fsr-4009	227	14	employer	employer	NOUN
fsr-4009	227	15	-	-	PUNCT
fsr-4009	227	16	sponsored	sponsor	VERB
fsr-4009	227	17	retirement	retirement	NOUN
fsr-4009	227	18	plans	plan	NOUN
fsr-4009	227	19	for	for	ADP
fsr-4009	227	20	the	the	DET
fsr-4009	227	21	male	male	ADJ
fsr-4009	227	22	and	and	CCONJ
fsr-4009	227	23	female	female	ADJ
fsr-4009	227	24	samples	sample	NOUN
fsr-4009	227	25	.	.	PUNCT
fsr-4009	228	1	table	table	NOUN
fsr-4009	228	2	3	3	NUM
fsr-4009	228	3	.	.	PUNCT
fsr-4009	228	4	effects	effect	NOUN
fsr-4009	228	5	of	of	ADP
fsr-4009	228	6	financial	financial	ADJ
fsr-4009	228	7	literacy	literacy	NOUN
fsr-4009	228	8	and	and	CCONJ
fsr-4009	228	9	other	other	ADJ
fsr-4009	228	10	explanatory	explanatory	ADJ
fsr-4009	228	11	variables	variable	NOUN
fsr-4009	228	12	on	on	ADP
fsr-4009	228	13	employer	employer	NOUN
fsr-4009	228	14	-	-	PUNCT
fsr-4009	228	15	sponsored	sponsor	VERB
fsr-4009	228	16	retirement	retirement	NOUN
fsr-4009	228	17	plan	plan	NOUN
fsr-4009	228	18	participation	participation	NOUN
fsr-4009	228	19	:	:	PUNCT
fsr-4009	228	20	linear	linear	ADJ
fsr-4009	228	21	probability	probability	NOUN
fsr-4009	228	22	model	model	NOUN
fsr-4009	228	23	(	(	PUNCT
fsr-4009	228	24	main	main	ADJ
fsr-4009	228	25	modelemployed	modelemploye	VERB
fsr-4009	228	26	sample	sample	NOUN
fsr-4009	228	27	)	)	PUNCT
fsr-4009	228	28	a.	a.	NOUN
fsr-4009	228	29	male	male	PROPN
fsr-4009	228	30	b.	b.	PROPN
fsr-4009	228	31	female	female	PROPN
fsr-4009	228	32	coef	coef	PROPN
fsr-4009	228	33	.	.	PUNCT
fsr-4009	229	1	robust	robust	ADJ
fsr-4009	229	2	std	std	NOUN
fsr-4009	229	3	.	.	PUNCT
fsr-4009	230	1	err	err	NOUN
fsr-4009	230	2	.	.	PUNCT
fsr-4009	231	1	p	p	NOUN
fsr-4009	231	2	value	value	NOUN
fsr-4009	231	3	coef	coef	NOUN
fsr-4009	231	4	.	.	PUNCT
fsr-4009	232	1	robust	robust	ADJ
fsr-4009	232	2	std	std	NOUN
fsr-4009	232	3	.	.	PUNCT
fsr-4009	233	1	err	err	NOUN
fsr-4009	233	2	.	.	PUNCT
fsr-4009	234	1	p	p	NOUN
fsr-4009	234	2	value	value	NOUN
fsr-4009	234	3	objective	objective	ADJ
fsr-4009	234	4	financial	financial	ADJ
fsr-4009	234	5	knowledge	knowledge	NOUN
fsr-4009	234	6	0.0366	0.0366	NUM
fsr-4009	234	7	*	*	PUNCT
fsr-4009	234	8	*	*	PUNCT
fsr-4009	234	9	*	*	PUNCT
fsr-4009	235	1	0.0065	0.0065	NUM
fsr-4009	235	2	0.0000	0.0000	NUM
fsr-4009	235	3	0.0232	0.0232	NUM
fsr-4009	235	4	*	*	PUNCT
fsr-4009	235	5	*	*	PUNCT
fsr-4009	235	6	*	*	X
fsr-4009	235	7	0.0070	0.0070	NUM
fsr-4009	235	8	0.0010	0.0010	NUM
fsr-4009	235	9	white	white	ADJ
fsr-4009	235	10	-0.0394	-0.0394	NOUN
fsr-4009	235	11	*	*	PUNCT
fsr-4009	236	1	0.0207	0.0207	NUM
fsr-4009	236	2	0.0570	0.0570	NUM
fsr-4009	236	3	-0.0183	-0.0183	NOUN
fsr-4009	236	4	0.0212	0.0212	NUM
fsr-4009	236	5	0.3880	0.3880	NUM
fsr-4009	236	6	homeownership	homeownership	NOUN
fsr-4009	236	7	0.1352	0.1352	NUM
fsr-4009	236	8	*	*	PUNCT
fsr-4009	236	9	*	*	PUNCT
fsr-4009	236	10	*	*	PUNCT
fsr-4009	236	11	0.0216	0.0216	NUM
fsr-4009	236	12	0.0000	0.0000	NUM
fsr-4009	236	13	0.1279	0.1279	NUM
fsr-4009	236	14	*	*	PUNCT
fsr-4009	236	15	*	*	PUNCT
fsr-4009	236	16	*	*	PUNCT
fsr-4009	236	17	0.0231	0.0231	NUM
fsr-4009	236	18	0.0000	0.0000	NUM
fsr-4009	236	19	versus	versus	ADP
fsr-4009	236	20	(	(	PUNCT
fsr-4009	236	21	risk	risk	NOUN
fsr-4009	236	22	tolerance	tolerance	NOUN
fsr-4009	236	23	–	–	PUNCT
fsr-4009	236	24	low	low	ADJ
fsr-4009	236	25	)	)	PUNCT
fsr-4009	236	26	risk	risk	NOUN
fsr-4009	236	27	tolerance	tolerance	NOUN
fsr-4009	236	28	–	–	PUNCT
fsr-4009	236	29	medium	medium	NOUN
fsr-4009	236	30	0.0653	0.0653	NUM
fsr-4009	236	31	*	*	PUNCT
fsr-4009	236	32	*	*	NOUN
fsr-4009	237	1	0.0284	0.0284	NUM
fsr-4009	237	2	0.0210	0.0210	NUM
fsr-4009	237	3	0.0579	0.0579	NUM
fsr-4009	237	4	*	*	PUNCT
fsr-4009	237	5	*	*	PUNCT
fsr-4009	237	6	0.0237	0.0237	NUM
fsr-4009	237	7	0.0150	0.0150	NUM
fsr-4009	237	8	risk	risk	NOUN
fsr-4009	237	9	tolerance	tolerance	NOUN
fsr-4009	237	10	–	–	PUNCT
fsr-4009	237	11	high	high	ADJ
fsr-4009	237	12	0.1080	0.1080	NUM
fsr-4009	237	13	*	*	PUNCT
fsr-4009	237	14	*	*	PUNCT
fsr-4009	237	15	*	*	PUNCT
fsr-4009	237	16	0.0310	0.0310	NUM
fsr-4009	237	17	0.0000	0.0000	NUM
fsr-4009	237	18	0.0606	0.0606	NUM
fsr-4009	237	19	*	*	PUNCT
fsr-4009	237	20	0.0316	0.0316	NUM
fsr-4009	237	21	0.0550	0.0550	NUM
fsr-4009	237	22	versus	versus	ADP
fsr-4009	237	23	(	(	PUNCT
fsr-4009	237	24	age	age	NOUN
fsr-4009	237	25	18	18	NUM
fsr-4009	237	26	-	-	SYM
fsr-4009	237	27	24	24	NUM
fsr-4009	237	28	)	)	PUNCT
fsr-4009	237	29	25	25	NUM
fsr-4009	237	30	-	-	SYM
fsr-4009	237	31	34	34	NUM
fsr-4009	237	32	0.0691	0.0691	NUM
fsr-4009	237	33	*	*	PUNCT
fsr-4009	237	34	*	*	PUNCT
fsr-4009	238	1	0.0278	0.0278	NUM
fsr-4009	238	2	0.0130	0.0130	NUM
fsr-4009	238	3	0.1248	0.1248	NUM
fsr-4009	238	4	*	*	PUNCT
fsr-4009	238	5	*	*	PUNCT
fsr-4009	238	6	*	*	X
fsr-4009	238	7	0.0275	0.0275	NUM
fsr-4009	238	8	0.0000	0.0000	NUM
fsr-4009	238	9	35	35	NUM
fsr-4009	238	10	-	-	SYM
fsr-4009	238	11	44	44	NUM
fsr-4009	238	12	0.0749	0.0749	NUM
fsr-4009	238	13	*	*	PUNCT
fsr-4009	238	14	*	*	PUNCT
fsr-4009	239	1	0.0323	0.0323	NUM
fsr-4009	239	2	0.0210	0.0210	NUM
fsr-4009	239	3	0.1354	0.1354	NUM
fsr-4009	239	4	*	*	PUNCT
fsr-4009	239	5	*	*	PUNCT
fsr-4009	239	6	*	*	PUNCT
fsr-4009	239	7	0.0324	0.0324	NUM
fsr-4009	239	8	0.0000	0.0000	NUM
fsr-4009	239	9	45	45	NUM
fsr-4009	239	10	-	-	SYM
fsr-4009	239	11	54	54	NUM
fsr-4009	239	12	0.0978	0.0978	NUM
fsr-4009	239	13	*	*	PUNCT
fsr-4009	239	14	*	*	PUNCT
fsr-4009	239	15	*	*	PUNCT
fsr-4009	239	16	0.0340	0.0340	NUM
fsr-4009	239	17	0.0040	0.0040	NUM
fsr-4009	239	18	0.1346	0.1346	NUM
fsr-4009	239	19	*	*	PUNCT
fsr-4009	239	20	*	*	PUNCT
fsr-4009	239	21	*	*	PUNCT
fsr-4009	239	22	0.0370	0.0370	NUM
fsr-4009	239	23	0.0000	0.0000	NUM
fsr-4009	239	24	55	55	NUM
fsr-4009	239	25	-	-	SYM
fsr-4009	239	26	64	64	NUM
fsr-4009	239	27	0.0673	0.0673	NUM
fsr-4009	239	28	0.0413	0.0413	NUM
fsr-4009	239	29	0.1030	0.1030	NUM
fsr-4009	239	30	0.1842	0.1842	NUM
fsr-4009	239	31	*	*	PUNCT
fsr-4009	239	32	*	*	PUNCT
fsr-4009	240	1	*	*	PUNCT
fsr-4009	240	2	0.0416	0.0416	NUM
fsr-4009	240	3	0.0000	0.0000	NUM
fsr-4009	240	4	65	65	NUM
fsr-4009	241	1	+	+	NOUN
fsr-4009	241	2	0.2151	0.2151	NUM
fsr-4009	241	3	*	*	PUNCT
fsr-4009	241	4	*	*	PUNCT
fsr-4009	241	5	*	*	PUNCT
fsr-4009	241	6	0.0723	0.0723	NUM
fsr-4009	241	7	0.0030	0.0030	NUM
fsr-4009	241	8	-0.0143	-0.0143	NOUN
fsr-4009	241	9	0.0873	0.0873	NUM
fsr-4009	241	10	0.8700	0.8700	NUM
fsr-4009	241	11	versus	versus	ADP
fsr-4009	241	12	(	(	PUNCT
fsr-4009	241	13	income	income	NOUN
fsr-4009	241	14	less	less	ADJ
fsr-4009	241	15	than	than	ADP
fsr-4009	241	16	$	$	SYM
fsr-4009	241	17	50,000	50,000	NUM
fsr-4009	241	18	)	)	PUNCT
fsr-4009	241	19	financial	financial	ADJ
fsr-4009	241	20	services	service	NOUN
fsr-4009	241	21	review	review	NOUN
fsr-4009	241	22	,	,	PUNCT
fsr-4009	241	23	33(2	33(2	NUM
fsr-4009	241	24	)	)	PUNCT
fsr-4009	241	25	154	154	NUM
fsr-4009	241	26	$	$	SYM
fsr-4009	241	27	50,000	50,000	NUM
fsr-4009	241	28	to	to	PART
fsr-4009	241	29	$	$	SYM
fsr-4009	241	30	75,000	75,000	NUM
fsr-4009	241	31	0.2000	0.2000	NUM
fsr-4009	241	32	*	*	PUNCT
fsr-4009	241	33	*	*	PUNCT
fsr-4009	241	34	*	*	PUNCT
fsr-4009	241	35	0.0266	0.0266	NUM
fsr-4009	241	36	0.0000	0.0000	NUM
fsr-4009	241	37	0.1691	0.1691	NUM
fsr-4009	241	38	*	*	PUNCT
fsr-4009	241	39	*	*	PUNCT
fsr-4009	241	40	*	*	PUNCT
fsr-4009	241	41	0.0276	0.0276	NUM
fsr-4009	241	42	0.0000	0.0000	NUM
fsr-4009	241	43	$	$	SYM
fsr-4009	241	44	75,000	75,000	NUM
fsr-4009	241	45	to	to	PART
fsr-4009	241	46	$	$	SYM
fsr-4009	241	47	100,000	100,000	NUM
fsr-4009	241	48	0.1995	0.1995	NUM
fsr-4009	241	49	*	*	PUNCT
fsr-4009	241	50	*	*	PUNCT
fsr-4009	241	51	*	*	PUNCT
fsr-4009	241	52	0.0318	0.0318	NUM
fsr-4009	241	53	0.0000	0.0000	NUM
fsr-4009	241	54	0.1956	0.1956	NUM
fsr-4009	241	55	*	*	PUNCT
fsr-4009	241	56	*	*	PUNCT
fsr-4009	241	57	*	*	PUNCT
fsr-4009	241	58	0.0326	0.0326	NUM
fsr-4009	241	59	0.0000	0.0000	NUM
fsr-4009	241	60	$	$	SYM
fsr-4009	241	61	100,000	100,000	NUM
fsr-4009	241	62	to	to	PART
fsr-4009	241	63	$	$	SYM
fsr-4009	241	64	150,000	150,000	NUM
fsr-4009	241	65	0.2246	0.2246	NUM
fsr-4009	241	66	*	*	PUNCT
fsr-4009	241	67	*	*	PUNCT
fsr-4009	241	68	*	*	PUNCT
fsr-4009	241	69	0.0374	0.0374	NUM
fsr-4009	241	70	0.0000	0.0000	NUM
fsr-4009	241	71	0.1691	0.1691	NUM
fsr-4009	241	72	*	*	PUNCT
fsr-4009	241	73	*	*	PUNCT
fsr-4009	241	74	*	*	PUNCT
fsr-4009	241	75	0.0371	0.0371	NUM
fsr-4009	241	76	0.0000	0.0000	NUM
fsr-4009	241	77	$	$	SYM
fsr-4009	241	78	150,000	150,000	NUM
fsr-4009	241	79	to	to	PART
fsr-4009	241	80	$	$	SYM
fsr-4009	241	81	200,000	200,000	NUM
fsr-4009	241	82	0.3236	0.3236	NUM
fsr-4009	241	83	*	*	PUNCT
fsr-4009	241	84	*	*	PUNCT
fsr-4009	241	85	*	*	PUNCT
fsr-4009	241	86	0.0478	0.0478	NUM
fsr-4009	241	87	0.0000	0.0000	NUM
fsr-4009	241	88	0.2524	0.2524	NUM
fsr-4009	241	89	*	*	PUNCT
fsr-4009	241	90	*	*	PUNCT
fsr-4009	241	91	*	*	PUNCT
fsr-4009	241	92	0.0538	0.0538	NUM
fsr-4009	241	93	0.0000	0.0000	NUM
fsr-4009	241	94	$	$	SYM
fsr-4009	241	95	200,000	200,000	NUM
fsr-4009	241	96	to	to	PART
fsr-4009	241	97	$	$	SYM
fsr-4009	241	98	300,000	300,000	NUM
fsr-4009	241	99	0.1673	0.1673	NUM
fsr-4009	241	100	*	*	PUNCT
fsr-4009	241	101	0.0913	0.0913	NUM
fsr-4009	241	102	0.0670	0.0670	NUM
fsr-4009	241	103	0.2794	0.2794	NUM
fsr-4009	241	104	*	*	PUNCT
fsr-4009	241	105	*	*	PUNCT
fsr-4009	241	106	*	*	PUNCT
fsr-4009	242	1	0.0652	0.0652	NUM
fsr-4009	242	2	0.0000	0.0000	NUM
fsr-4009	242	3	more	more	ADJ
fsr-4009	242	4	than	than	ADP
fsr-4009	242	5	$	$	SYM
fsr-4009	242	6	300,000	300,000	NUM
fsr-4009	242	7	0.2987	0.2987	NUM
fsr-4009	242	8	*	*	PUNCT
fsr-4009	242	9	*	*	PUNCT
fsr-4009	242	10	*	*	PUNCT
fsr-4009	242	11	0.0683	0.0683	NUM
fsr-4009	242	12	0.0000	0.0000	NUM
fsr-4009	242	13	0.0424	0.0424	NUM
fsr-4009	242	14	0.1383	0.1383	NUM
fsr-4009	242	15	0.7590	0.7590	NUM
fsr-4009	242	16	versus	versus	ADP
fsr-4009	242	17	(	(	PUNCT
fsr-4009	242	18	education	education	NOUN
fsr-4009	242	19	level	level	NOUN
fsr-4009	242	20	high	high	ADJ
fsr-4009	242	21	school	school	NOUN
fsr-4009	242	22	or	or	CCONJ
fsr-4009	242	23	less	less	ADJ
fsr-4009	242	24	)	)	PUNCT
fsr-4009	243	1	some	some	DET
fsr-4009	243	2	college	college	NOUN
fsr-4009	243	3	0.0535	0.0535	NUM
fsr-4009	243	4	*	*	PUNCT
fsr-4009	243	5	0.0283	0.0283	NUM
fsr-4009	243	6	0.0590	0.0590	NUM
fsr-4009	243	7	0.0626	0.0626	NUM
fsr-4009	243	8	*	*	PUNCT
fsr-4009	244	1	*	*	PUNCT
fsr-4009	244	2	0.0304	0.0304	NUM
fsr-4009	244	3	0.0400	0.0400	NUM
fsr-4009	244	4	associate	associate	NOUN
fsr-4009	244	5	degree	degree	NOUN
fsr-4009	244	6	0.0969	0.0969	NUM
fsr-4009	244	7	*	*	PUNCT
fsr-4009	244	8	*	*	PUNCT
fsr-4009	244	9	0.0387	0.0387	NUM
fsr-4009	244	10	0.0120	0.0120	NUM
fsr-4009	244	11	0.0730	0.0730	NUM
fsr-4009	244	12	*	*	SYM
fsr-4009	244	13	0.0398	0.0398	NUM
fsr-4009	244	14	0.0670	0.0670	NUM
fsr-4009	244	15	bachelor	bachelor	NOUN
fsr-4009	244	16	’s	’s	PART
fsr-4009	244	17	degree	degree	NOUN
fsr-4009	244	18	0.1199	0.1199	NUM
fsr-4009	244	19	*	*	PUNCT
fsr-4009	244	20	*	*	PUNCT
fsr-4009	244	21	*	*	PUNCT
fsr-4009	244	22	0.0291	0.0291	NUM
fsr-4009	244	23	0.0000	0.0000	NUM
fsr-4009	244	24	0.1853	0.1853	NUM
fsr-4009	244	25	*	*	PUNCT
fsr-4009	245	1	*	*	PUNCT
fsr-4009	245	2	*	*	PUNCT
fsr-4009	245	3	0.0314	0.0314	NUM
fsr-4009	245	4	0.0000	0.0000	NUM
fsr-4009	245	5	postgraduate	postgraduate	NOUN
fsr-4009	245	6	degree	degree	NOUN
fsr-4009	245	7	0.0995	0.0995	NUM
fsr-4009	245	8	*	*	PUNCT
fsr-4009	245	9	*	*	PUNCT
fsr-4009	245	10	0.0443	0.0443	NUM
fsr-4009	246	1	0.0250	0.0250	NUM
fsr-4009	246	2	0.2182	0.2182	NUM
fsr-4009	246	3	*	*	PUNCT
fsr-4009	246	4	*	*	PUNCT
fsr-4009	246	5	*	*	PUNCT
fsr-4009	246	6	0.0362	0.0362	NUM
fsr-4009	246	7	0.0000	0.0000	NUM
fsr-4009	246	8	constant	constant	ADJ
fsr-4009	246	9	0.1314	0.1314	NUM
fsr-4009	246	10	*	*	PUNCT
fsr-4009	246	11	*	*	PUNCT
fsr-4009	246	12	*	*	PUNCT
fsr-4009	246	13	0.0353	0.0353	NUM
fsr-4009	246	14	0.0000	0.0000	NUM
fsr-4009	246	15	0.1873	0.1873	NUM
fsr-4009	246	16	*	*	PUNCT
fsr-4009	246	17	*	*	PUNCT
fsr-4009	246	18	*	*	PUNCT
fsr-4009	246	19	0.0343	0.0343	NUM
fsr-4009	246	20	0.0000	0.0000	NUM
fsr-4009	246	21	number	number	NOUN
fsr-4009	246	22	of	of	ADP
fsr-4009	246	23	observations	observation	NOUN
fsr-4009	246	24	2128	2128	NUM
fsr-4009	246	25	2008	2008	NUM
fsr-4009	246	26	notes	note	VERB
fsr-4009	246	27	:	:	PUNCT
fsr-4009	246	28	this	this	DET
fsr-4009	246	29	analysis	analysis	NOUN
fsr-4009	246	30	uses	use	VERB
fsr-4009	246	31	data	datum	NOUN
fsr-4009	246	32	from	from	ADP
fsr-4009	246	33	the	the	DET
fsr-4009	246	34	finra	finra	PROPN
fsr-4009	246	35	foundation	foundation	PROPN
fsr-4009	246	36	2021	2021	NUM
fsr-4009	246	37	nfcs	nfc	NOUN
fsr-4009	246	38	state	state	NOUN
fsr-4009	246	39	by	by	ADP
fsr-4009	246	40	state	state	NOUN
fsr-4009	246	41	dataset	dataset	NOUN
fsr-4009	246	42	.	.	PUNCT
fsr-4009	247	1	coefficient	coefficient	NOUN
fsr-4009	247	2	values	value	NOUN
fsr-4009	247	3	are	be	AUX
fsr-4009	247	4	shown	show	VERB
fsr-4009	247	5	alongside	alongside	ADP
fsr-4009	247	6	the	the	DET
fsr-4009	247	7	robust	robust	ADJ
fsr-4009	247	8	standard	standard	ADJ
fsr-4009	247	9	errors	error	NOUN
fsr-4009	247	10	.	.	PUNCT
fsr-4009	248	1	survey	survey	NOUN
fsr-4009	248	2	weights	weight	NOUN
fsr-4009	248	3	are	be	AUX
fsr-4009	248	4	applied	apply	VERB
fsr-4009	248	5	.	.	PUNCT
fsr-4009	249	1	*	*	PUNCT
fsr-4009	249	2	*	*	PUNCT
fsr-4009	249	3	*	*	PUNCT
fsr-4009	249	4	indicates	indicate	VERB
fsr-4009	249	5	significance	significance	NOUN
fsr-4009	249	6	at	at	ADP
fsr-4009	249	7	the	the	DET
fsr-4009	249	8	1	1	NUM
fsr-4009	249	9	%	%	NOUN
fsr-4009	249	10	level	level	NOUN
fsr-4009	249	11	;	;	PUNCT
fsr-4009	249	12	*	*	PUNCT
fsr-4009	249	13	*	*	PUNCT
fsr-4009	249	14	indicates	indicate	VERB
fsr-4009	249	15	significance	significance	NOUN
fsr-4009	249	16	at	at	ADP
fsr-4009	249	17	the	the	DET
fsr-4009	249	18	5	5	NUM
fsr-4009	249	19	%	%	NOUN
fsr-4009	249	20	level	level	NOUN
fsr-4009	249	21	;	;	PUNCT
fsr-4009	249	22	*	*	VERB
fsr-4009	249	23	indicates	indicate	VERB
fsr-4009	249	24	significance	significance	NOUN
fsr-4009	249	25	at	at	ADP
fsr-4009	249	26	the	the	DET
fsr-4009	249	27	10	10	NUM
fsr-4009	249	28	%	%	NOUN
fsr-4009	249	29	level	level	NOUN
fsr-4009	249	30	.	.	PUNCT
fsr-4009	250	1	oaxaca	oaxaca	PROPN
fsr-4009	250	2	decomposition	decomposition	NOUN
fsr-4009	250	3	consistent	consistent	ADJ
fsr-4009	250	4	with	with	ADP
fsr-4009	250	5	oaxaca	oaxaca	PROPN
fsr-4009	250	6	and	and	CCONJ
fsr-4009	250	7	ransom	ransom	NOUN
fsr-4009	250	8	(	(	PUNCT
fsr-4009	250	9	1994	1994	NUM
fsr-4009	250	10	)	)	PUNCT
fsr-4009	250	11	,	,	PUNCT
fsr-4009	250	12	the	the	DET
fsr-4009	250	13	oaxaca	oaxaca	PROPN
fsr-4009	250	14	decomposition	decomposition	NOUN
fsr-4009	250	15	technique	technique	NOUN
fsr-4009	250	16	is	be	AUX
fsr-4009	250	17	used	use	VERB
fsr-4009	250	18	with	with	ADP
fsr-4009	250	19	the	the	DET
fsr-4009	250	20	previous	previous	ADJ
fsr-4009	250	21	regression	regression	NOUN
fsr-4009	250	22	results	result	NOUN
fsr-4009	250	23	to	to	PART
fsr-4009	250	24	examine	examine	VERB
fsr-4009	250	25	the	the	DET
fsr-4009	250	26	gender	gender	NOUN
fsr-4009	250	27	gap	gap	NOUN
fsr-4009	250	28	in	in	ADP
fsr-4009	250	29	employer	employer	NOUN
fsr-4009	250	30	-	-	PUNCT
fsr-4009	250	31	sponsored	sponsor	VERB
fsr-4009	250	32	,	,	PUNCT
fsr-4009	250	33	retirement	retirement	NOUN
fsr-4009	250	34	-savings	-saving	NOUN
fsr-4009	250	35	accounts	account	NOUN
fsr-4009	250	36	.	.	PUNCT
fsr-4009	251	1	in	in	ADP
fsr-4009	251	2	particular	particular	ADJ
fsr-4009	251	3	this	this	DET
fsr-4009	251	4	technique	technique	NOUN
fsr-4009	251	5	examines	examine	VERB
fsr-4009	251	6	how	how	SCONJ
fsr-4009	251	7	differences	difference	NOUN
fsr-4009	251	8	in	in	ADP
fsr-4009	251	9	level	level	NOUN
fsr-4009	251	10	of	of	ADP
fsr-4009	251	11	financial	financial	ADJ
fsr-4009	251	12	literacy	literacy	NOUN
fsr-4009	251	13	and	and	CCONJ
fsr-4009	251	14	other	other	ADJ
fsr-4009	251	15	explanatory	explanatory	ADJ
fsr-4009	251	16	variables	variable	NOUN
fsr-4009	251	17	can	can	AUX
fsr-4009	251	18	explain	explain	VERB
fsr-4009	251	19	a	a	DET
fsr-4009	251	20	portion	portion	NOUN
fsr-4009	251	21	of	of	ADP
fsr-4009	251	22	the	the	DET
fsr-4009	251	23	gap	gap	NOUN
fsr-4009	251	24	and	and	CCONJ
fsr-4009	251	25	how	how	SCONJ
fsr-4009	251	26	differences	difference	NOUN
fsr-4009	251	27	in	in	ADP
fsr-4009	251	28	the	the	DET
fsr-4009	251	29	return	return	NOUN
fsr-4009	251	30	to	to	ADP
fsr-4009	251	31	financial	financial	ADJ
fsr-4009	251	32	literacy	literacy	NOUN
fsr-4009	251	33	and	and	CCONJ
fsr-4009	251	34	other	other	ADJ
fsr-4009	251	35	explanatory	explanatory	ADJ
fsr-4009	251	36	variables	variable	NOUN
fsr-4009	251	37	form	form	VERB
fsr-4009	251	38	the	the	DET
fsr-4009	251	39	unexplained	unexplained	ADJ
fsr-4009	251	40	portion	portion	NOUN
fsr-4009	251	41	of	of	ADP
fsr-4009	251	42	the	the	DET
fsr-4009	251	43	gap	gap	NOUN
fsr-4009	251	44	.	.	PUNCT
fsr-4009	252	1	the	the	DET
fsr-4009	252	2	gender	gender	NOUN
fsr-4009	252	3	gap	gap	NOUN
fsr-4009	252	4	in	in	ADP
fsr-4009	252	5	retirement	retirement	NOUN
fsr-4009	252	6	-	-	PUNCT
fsr-4009	252	7	savings	saving	NOUN
fsr-4009	252	8	participation	participation	NOUN
fsr-4009	252	9	is	be	AUX
fsr-4009	252	10	y̅m	y̅m	PROPN
fsr-4009	252	11	y̅f	y̅f	PROPN
fsr-4009	252	12	,	,	PUNCT
fsr-4009	252	13	where	where	SCONJ
fsr-4009	252	14	y̅m	y̅m	PROPN
fsr-4009	252	15	is	be	AUX
fsr-4009	252	16	the	the	DET
fsr-4009	252	17	average	average	ADJ
fsr-4009	252	18	retirement	retirement	NOUN
fsr-4009	252	19	savings	saving	NOUN
fsr-4009	252	20	participation	participation	NOUN
fsr-4009	252	21	of	of	ADP
fsr-4009	252	22	males	male	NOUN
fsr-4009	252	23	and	and	CCONJ
fsr-4009	252	24	y̅f	y̅f	PROPN
fsr-4009	252	25	is	be	AUX
fsr-4009	252	26	the	the	DET
fsr-4009	252	27	average	average	ADJ
fsr-4009	252	28	retirement	retirement	NOUN
fsr-4009	252	29	savings	saving	NOUN
fsr-4009	252	30	participation	participation	NOUN
fsr-4009	252	31	of	of	ADP
fsr-4009	252	32	females	female	NOUN
fsr-4009	252	33	.	.	PUNCT
fsr-4009	253	1	employer	employer	NOUN
fsr-4009	253	2	-	-	PUNCT
fsr-4009	253	3	sponsored	sponsor	VERB
fsr-4009	253	4	retirement	retirement	NOUN
fsr-4009	253	5	savings	saving	NOUN
fsr-4009	253	6	participation	participation	NOUN
fsr-4009	253	7	depends	depend	VERB
fsr-4009	253	8	on	on	ADP
fsr-4009	253	9	financial	financial	ADJ
fsr-4009	253	10	literacy	literacy	NOUN
fsr-4009	253	11	and	and	CCONJ
fsr-4009	253	12	other	other	ADJ
fsr-4009	253	13	demographic	demographic	ADJ
fsr-4009	253	14	and	and	CCONJ
fsr-4009	253	15	economic	economic	ADJ
fsr-4009	253	16	variables	variable	NOUN
fsr-4009	253	17	such	such	ADJ
fsr-4009	253	18	as	as	ADP
fsr-4009	253	19	age	age	NOUN
fsr-4009	253	20	,	,	PUNCT
fsr-4009	253	21	level	level	NOUN
fsr-4009	253	22	of	of	ADP
fsr-4009	253	23	education	education	NOUN
fsr-4009	253	24	,	,	PUNCT
fsr-4009	253	25	race	race	NOUN
fsr-4009	253	26	,	,	PUNCT
fsr-4009	253	27	home	home	NOUN
fsr-4009	253	28	ownership	ownership	NOUN
fsr-4009	253	29	,	,	PUNCT
fsr-4009	253	30	income	income	NOUN
fsr-4009	253	31	,	,	PUNCT
fsr-4009	253	32	and	and	CCONJ
fsr-4009	253	33	risk	risk	NOUN
fsr-4009	253	34	tolerance	tolerance	NOUN
fsr-4009	253	35	.	.	PUNCT
fsr-4009	254	1	the	the	DET
fsr-4009	254	2	corresponding	corresponding	ADJ
fsr-4009	254	3	regression	regression	NOUN
fsr-4009	254	4	retirement	retirement	NOUN
fsr-4009	254	5	savings	saving	NOUN
fsr-4009	254	6	participation	participation	NOUN
fsr-4009	254	7	equations	equation	NOUN
fsr-4009	254	8	for	for	ADP
fsr-4009	254	9	men	man	NOUN
fsr-4009	254	10	and	and	CCONJ
fsr-4009	254	11	women	woman	NOUN
fsr-4009	254	12	are	be	AUX
fsr-4009	254	13	the	the	DET
fsr-4009	254	14	following	following	NOUN
fsr-4009	254	15	.	.	PUNCT
fsr-4009	255	1	yim	yim	PROPN
fsr-4009	255	2	=	=	NOUN
fsr-4009	255	3	βmxim	βmxim	PROPN
fsr-4009	255	4	+	+	CCONJ
fsr-4009	255	5	μim	μim	NOUN
fsr-4009	255	6	(	(	PUNCT
fsr-4009	255	7	1	1	X
fsr-4009	255	8	)	)	PUNCT
fsr-4009	255	9	yif	yif	NOUN
fsr-4009	255	10	=	=	SYM
fsr-4009	255	11	βfxif	βfxif	PROPN
fsr-4009	256	1	+	+	NUM
fsr-4009	256	2	μif	μif	ADJ
fsr-4009	256	3	(	(	PUNCT
fsr-4009	256	4	2	2	NUM
fsr-4009	256	5	)	)	PUNCT
fsr-4009	256	6	where	where	SCONJ
fsr-4009	256	7	yim	yim	PROPN
fsr-4009	256	8	is	be	AUX
fsr-4009	256	9	the	the	DET
fsr-4009	256	10	retirement	retirement	NOUN
fsr-4009	256	11	savings	saving	NOUN
fsr-4009	256	12	participation	participation	NOUN
fsr-4009	256	13	of	of	ADP
fsr-4009	256	14	man	man	NOUN
fsr-4009	256	15	i	i	PRON
fsr-4009	256	16	,	,	PUNCT
fsr-4009	256	17	βm	βm	VERB
fsr-4009	256	18	is	be	AUX
fsr-4009	256	19	the	the	DET
fsr-4009	256	20	vector	vector	NOUN
fsr-4009	256	21	of	of	ADP
fsr-4009	256	22	effects	effect	NOUN
fsr-4009	256	23	of	of	ADP
fsr-4009	256	24	xim	xim	PROPN
fsr-4009	256	25	matrix	matrix	NOUN
fsr-4009	256	26	of	of	ADP
fsr-4009	256	27	independent	independent	ADJ
fsr-4009	256	28	variables	variable	NOUN
fsr-4009	256	29	on	on	ADP
fsr-4009	256	30	yim	yim	PROPN
fsr-4009	256	31	,	,	PUNCT
fsr-4009	256	32	μim	μim	PROPN
fsr-4009	256	33	is	be	AUX
fsr-4009	256	34	the	the	DET
fsr-4009	256	35	error	error	NOUN
fsr-4009	256	36	term	term	NOUN
fsr-4009	256	37	.	.	PUNCT
fsr-4009	257	1	yif	yif	PROPN
fsr-4009	257	2	is	be	AUX
fsr-4009	257	3	the	the	DET
fsr-4009	257	4	retirement	retirement	NOUN
fsr-4009	257	5	savings	saving	NOUN
fsr-4009	257	6	participation	participation	NOUN
fsr-4009	257	7	for	for	ADP
fsr-4009	257	8	woman	woman	NOUN
fsr-4009	257	9	i	i	PRON
fsr-4009	257	10	,	,	PUNCT
fsr-4009	257	11	βf	βf	CCONJ
fsr-4009	257	12	is	be	AUX
fsr-4009	257	13	the	the	DET
fsr-4009	257	14	vector	vector	NOUN
fsr-4009	257	15	of	of	ADP
fsr-4009	257	16	effects	effect	NOUN
fsr-4009	257	17	of	of	ADP
fsr-4009	257	18	xif	xif	PROPN
fsr-4009	257	19	matrix	matrix	NOUN
fsr-4009	257	20	of	of	ADP
fsr-4009	257	21	independent	independent	ADJ
fsr-4009	257	22	variables	variable	NOUN
fsr-4009	257	23	on	on	ADP
fsr-4009	257	24	yif	yif	PROPN
fsr-4009	257	25	,	,	PUNCT
fsr-4009	257	26	μif	μif	INTJ
fsr-4009	257	27	is	be	AUX
fsr-4009	257	28	the	the	DET
fsr-4009	257	29	error	error	NOUN
fsr-4009	257	30	term	term	NOUN
fsr-4009	257	31	.	.	PUNCT
fsr-4009	258	1	β̂m	β̂m	NOUN
fsr-4009	258	2	is	be	AUX
fsr-4009	258	3	the	the	DET
fsr-4009	258	4	vector	vector	NOUN
fsr-4009	258	5	of	of	ADP
fsr-4009	258	6	effects	effect	NOUN
fsr-4009	258	7	of	of	ADP
fsr-4009	258	8	matrix	matrix	NOUN
fsr-4009	258	9	x	x	PUNCT
fsr-4009	258	10	on	on	ADP
fsr-4009	258	11	y̅.	y̅.	PROPN
fsr-4009	258	12	β̂f	β̂f	ADJ
fsr-4009	258	13	is	be	AUX
fsr-4009	258	14	the	the	DET
fsr-4009	258	15	corresponding	correspond	VERB
fsr-4009	258	16	vector	vector	NOUN
fsr-4009	258	17	of	of	ADP
fsr-4009	258	18	effects	effect	NOUN
fsr-4009	258	19	for	for	ADP
fsr-4009	258	20	women	woman	NOUN
fsr-4009	258	21	.	.	PUNCT
fsr-4009	259	1	the	the	DET
fsr-4009	259	2	average	average	ADJ
fsr-4009	259	3	values	value	NOUN
fsr-4009	259	4	of	of	ADP
fsr-4009	259	5	xm	xm	PROPN
fsr-4009	259	6	and	and	CCONJ
fsr-4009	259	7	xf	xf	PROPN
fsr-4009	259	8	are	be	AUX
fsr-4009	259	9	x̅m	x̅m	PROPN
fsr-4009	259	10	and	and	CCONJ
fsr-4009	259	11	x̅f	x̅f	PROPN
fsr-4009	259	12	.	.	PUNCT
fsr-4009	260	1	according	accord	VERB
fsr-4009	260	2	to	to	ADP
fsr-4009	260	3	the	the	DET
fsr-4009	260	4	arithmetic	arithmetic	ADJ
fsr-4009	260	5	relationship	relationship	NOUN
fsr-4009	260	6	,	,	PUNCT
fsr-4009	260	7	we	we	PRON
fsr-4009	260	8	can	can	AUX
fsr-4009	260	9	write	write	VERB
fsr-4009	260	10	y̅	y̅	PUNCT
fsr-4009	260	11	=	=	PUNCT
fsr-4009	260	12	β̂x̅	β̂x̅	PUNCT
fsr-4009	260	13	and	and	CCONJ
fsr-4009	260	14	it	it	PRON
fsr-4009	260	15	holds	hold	VERB
fsr-4009	260	16	for	for	ADP
fsr-4009	260	17	both	both	PRON
fsr-4009	260	18	men	man	NOUN
fsr-4009	260	19	and	and	CCONJ
fsr-4009	260	20	women	woman	NOUN
fsr-4009	260	21	.	.	PUNCT
fsr-4009	261	1	substituting	substitute	VERB
fsr-4009	261	2	into	into	ADP
fsr-4009	261	3	the	the	DET
fsr-4009	261	4	expression	expression	NOUN
fsr-4009	261	5	for	for	ADP
fsr-4009	261	6	the	the	DET
fsr-4009	261	7	gender	gender	NOUN
fsr-4009	261	8	gap	gap	NOUN
fsr-4009	261	9	in	in	ADP
fsr-4009	261	10	retirement	retirement	NOUN
fsr-4009	261	11	savings	saving	NOUN
fsr-4009	261	12	participation	participation	NOUN
fsr-4009	261	13	,	,	PUNCT
fsr-4009	261	14	we	we	PRON
fsr-4009	261	15	have	have	AUX
fsr-4009	261	16	:	:	PUNCT
fsr-4009	261	17	ahmmed	ahmmed	PROPN
fsr-4009	261	18	et	et	PROPN
fsr-4009	261	19	al	al	PROPN
fsr-4009	261	20	.	.	PROPN
fsr-4009	262	1	155	155	NUM
fsr-4009	262	2	y̅f	y̅f	NUM
fsr-4009	262	3	−	−	NOUN
fsr-4009	262	4	y̅m	y̅m	PROPN
fsr-4009	262	5	=	=	PUNCT
fsr-4009	262	6	β̂f	β̂f	PROPN
fsr-4009	262	7	x̅f	x̅f	PROPN
fsr-4009	262	8	β̂m	β̂m	PROPN
fsr-4009	262	9	x̅m	x̅m	PROPN
fsr-4009	262	10	(	(	PUNCT
fsr-4009	262	11	3	3	X
fsr-4009	262	12	)	)	PUNCT
fsr-4009	262	13	this	this	PRON
fsr-4009	262	14	suggests	suggest	VERB
fsr-4009	262	15	that	that	SCONJ
fsr-4009	262	16	average	average	ADJ
fsr-4009	262	17	retirement	retirement	NOUN
fsr-4009	262	18	savings	saving	NOUN
fsr-4009	262	19	participation	participation	NOUN
fsr-4009	262	20	for	for	ADP
fsr-4009	262	21	men	man	NOUN
fsr-4009	262	22	and	and	CCONJ
fsr-4009	262	23	women	woman	NOUN
fsr-4009	262	24	could	could	AUX
fsr-4009	262	25	differ	differ	VERB
fsr-4009	262	26	either	either	CCONJ
fsr-4009	262	27	because	because	SCONJ
fsr-4009	262	28	x̅	x̅	PROPN
fsr-4009	262	29	differs	differ	VERB
fsr-4009	262	30	or	or	CCONJ
fsr-4009	262	31	because	because	SCONJ
fsr-4009	262	32	β̂	β̂	ADP
fsr-4009	262	33	differs	differ	VERB
fsr-4009	262	34	in	in	ADP
fsr-4009	262	35	the	the	DET
fsr-4009	262	36	current	current	ADJ
fsr-4009	262	37	study	study	NOUN
fsr-4009	262	38	,	,	PUNCT
fsr-4009	262	39	either	either	CCONJ
fsr-4009	262	40	because	because	SCONJ
fsr-4009	262	41	the	the	DET
fsr-4009	262	42	average	average	ADJ
fsr-4009	262	43	level	level	NOUN
fsr-4009	262	44	of	of	ADP
fsr-4009	262	45	financial	financial	ADJ
fsr-4009	262	46	literacy	literacy	NOUN
fsr-4009	262	47	and/or	and/or	CCONJ
fsr-4009	262	48	other	other	ADJ
fsr-4009	262	49	explanatory	explanatory	ADJ
fsr-4009	262	50	variables	variable	NOUN
fsr-4009	262	51	differ	differ	VERB
fsr-4009	262	52	by	by	ADP
fsr-4009	262	53	gender	gender	NOUN
fsr-4009	262	54	or	or	CCONJ
fsr-4009	262	55	because	because	SCONJ
fsr-4009	262	56	the	the	DET
fsr-4009	262	57	return	return	NOUN
fsr-4009	262	58	to	to	ADP
fsr-4009	262	59	financial	financial	ADJ
fsr-4009	262	60	literacy	literacy	NOUN
fsr-4009	262	61	and	and	CCONJ
fsr-4009	262	62	other	other	ADJ
fsr-4009	262	63	explanatory	explanatory	ADJ
fsr-4009	262	64	variables	variable	NOUN
fsr-4009	262	65	differ	differ	VERB
fsr-4009	262	66	.	.	PUNCT
fsr-4009	263	1	adding	add	VERB
fsr-4009	263	2	and	and	CCONJ
fsr-4009	263	3	subtracting	subtract	VERB
fsr-4009	263	4	β̂mx̅f	β̂mx̅f	NOUN
fsr-4009	263	5	to	to	ADP
fsr-4009	263	6	the	the	DET
fsr-4009	263	7	right	right	ADJ
fsr-4009	263	8	side	side	NOUN
fsr-4009	263	9	of	of	ADP
fsr-4009	263	10	the	the	DET
fsr-4009	263	11	equation	equation	NOUN
fsr-4009	263	12	and	and	CCONJ
fsr-4009	263	13	rearranging	rearrange	VERB
fsr-4009	263	14	and	and	CCONJ
fsr-4009	263	15	combining	combine	VERB
fsr-4009	263	16	terms	term	NOUN
fsr-4009	263	17	yields	yield	VERB
fsr-4009	263	18	the	the	DET
fsr-4009	263	19	famous	famous	ADJ
fsr-4009	263	20	oaxaca	oaxaca	PROPN
fsr-4009	263	21	decomposition	decomposition	NOUN
fsr-4009	263	22	of	of	ADP
fsr-4009	263	23	differences	difference	NOUN
fsr-4009	263	24	in	in	ADP
fsr-4009	263	25	means	mean	NOUN
fsr-4009	263	26	.	.	PUNCT
fsr-4009	264	1	y̅f	y̅f	NOUN
fsr-4009	264	2	y̅m	y̅m	PROPN
fsr-4009	264	3	=	=	PUNCT
fsr-4009	265	1	∑	∑	PUNCT
fsr-4009	265	2	[	[	X
fsr-4009	265	3	β̂jm	β̂jm	X
fsr-4009	265	4	×k	×k	NOUN
fsr-4009	265	5	j=1	j=1	NOUN
fsr-4009	265	6	(	(	PUNCT
fsr-4009	265	7	x̅jf	x̅jf	NOUN
fsr-4009	265	8	−	−	PROPN
fsr-4009	265	9	x̅jm	x̅jm	PROPN
fsr-4009	265	10	)	)	PUNCT
fsr-4009	265	11	]	]	PUNCT
fsr-4009	266	1	+	+	CCONJ
fsr-4009	266	2	∑	∑	PUNCT
fsr-4009	266	3	[	[	X
fsr-4009	266	4	(	(	PUNCT
fsr-4009	266	5	β̂jf	β̂jf	PROPN
fsr-4009	266	6	−	−	NOUN
fsr-4009	266	7	β̂jm	β̂jm	NOUN
fsr-4009	266	8	)	)	PUNCT
fsr-4009	266	9	×	×	NOUN
fsr-4009	266	10	x̅jf]k	x̅jf]k	PROPN
fsr-4009	266	11	j=1	j=1	NOUN
fsr-4009	266	12	(	(	PUNCT
fsr-4009	266	13	4	4	NUM
fsr-4009	266	14	)	)	PUNCT
fsr-4009	266	15	for	for	ADP
fsr-4009	266	16	each	each	DET
fsr-4009	266	17	j	j	NOUN
fsr-4009	266	18	,	,	PUNCT
fsr-4009	266	19	%	%	INTJ
fsr-4009	266	20	explained	explain	VERB
fsr-4009	266	21	=	=	PUNCT
fsr-4009	267	1	[	[	X
fsr-4009	267	2	β̂jm	β̂jm	X
fsr-4009	267	3	×(x̅jf	×(x̅jf	NOUN
fsr-4009	267	4	−	−	NOUN
fsr-4009	267	5	x̅jm	x̅jm	PROPN
fsr-4009	267	6	)	)	PUNCT
fsr-4009	267	7	]	]	PUNCT
fsr-4009	268	1	y̅f	y̅f	PROPN
fsr-4009	268	2	−	−	PROPN
fsr-4009	268	3	y̅m	y̅m	NUM
fsr-4009	268	4	×	×	NOUN
fsr-4009	268	5	100	100	NUM
fsr-4009	268	6	(	(	PUNCT
fsr-4009	268	7	5	5	NUM
fsr-4009	268	8	)	)	PUNCT
fsr-4009	268	9	%	%	NOUN
fsr-4009	268	10	unexplained	unexplained	ADJ
fsr-4009	268	11	=	=	SYM
fsr-4009	269	1	[	[	X
fsr-4009	269	2	(	(	PUNCT
fsr-4009	269	3	β̂jf	β̂jf	PROPN
fsr-4009	269	4	−	−	NOUN
fsr-4009	269	5	β̂jm	β̂jm	NOUN
fsr-4009	269	6	)	)	PUNCT
fsr-4009	269	7	×	×	NOUN
fsr-4009	269	8	x̅jf	x̅jf	NOUN
fsr-4009	269	9	]	]	PUNCT
fsr-4009	270	1	y̅f	y̅f	PROPN
fsr-4009	270	2	−	−	PROPN
fsr-4009	270	3	y̅m	y̅m	NUM
fsr-4009	270	4	×	×	NOUN
fsr-4009	270	5	100	100	NUM
fsr-4009	270	6	(	(	PUNCT
fsr-4009	270	7	6	6	NUM
fsr-4009	270	8	)	)	PUNCT
fsr-4009	270	9	in	in	ADP
fsr-4009	270	10	the	the	DET
fsr-4009	270	11	equations	equation	NOUN
fsr-4009	270	12	4	4	NUM
fsr-4009	270	13	,	,	PUNCT
fsr-4009	270	14	5	5	NUM
fsr-4009	270	15	,	,	PUNCT
fsr-4009	270	16	and	and	CCONJ
fsr-4009	270	17	6	6	NUM
fsr-4009	270	18	,	,	PUNCT
fsr-4009	270	19	j	j	PROPN
fsr-4009	270	20	represents	represent	VERB
fsr-4009	270	21	each	each	DET
fsr-4009	270	22	independent	independent	ADJ
fsr-4009	270	23	variable	variable	NOUN
fsr-4009	270	24	.	.	PUNCT
fsr-4009	271	1	the	the	DET
fsr-4009	271	2	first	first	ADJ
fsr-4009	271	3	term	term	NOUN
fsr-4009	271	4	in	in	ADP
fsr-4009	271	5	the	the	DET
fsr-4009	271	6	brackets	bracket	NOUN
fsr-4009	271	7	on	on	ADP
fsr-4009	271	8	the	the	DET
fsr-4009	271	9	right	right	ADJ
fsr-4009	271	10	side	side	NOUN
fsr-4009	271	11	of	of	ADP
fsr-4009	271	12	equation	equation	NOUN
fsr-4009	271	13	(	(	PUNCT
fsr-4009	271	14	4	4	NUM
fsr-4009	271	15	)	)	PUNCT
fsr-4009	271	16	is	be	AUX
fsr-4009	271	17	the	the	DET
fsr-4009	271	18	difference	difference	NOUN
fsr-4009	271	19	of	of	ADP
fsr-4009	271	20	average	average	ADJ
fsr-4009	271	21	financial	financial	ADJ
fsr-4009	271	22	literacy	literacy	NOUN
fsr-4009	271	23	and	and	CCONJ
fsr-4009	271	24	other	other	ADJ
fsr-4009	271	25	variables	variable	NOUN
fsr-4009	271	26	between	between	ADP
fsr-4009	271	27	females	female	NOUN
fsr-4009	271	28	and	and	CCONJ
fsr-4009	271	29	males	male	NOUN
fsr-4009	271	30	,	,	PUNCT
fsr-4009	271	31	multiplied	multiply	VERB
fsr-4009	271	32	by	by	ADP
fsr-4009	271	33	β̂m	β̂m	NOUN
fsr-4009	271	34	,	,	PUNCT
fsr-4009	271	35	the	the	DET
fsr-4009	271	36	value	value	NOUN
fsr-4009	271	37	of	of	ADP
fsr-4009	271	38	a	a	DET
fsr-4009	271	39	unit	unit	NOUN
fsr-4009	271	40	of	of	ADP
fsr-4009	271	41	x	x	PUNCT
fsr-4009	271	42	for	for	ADP
fsr-4009	271	43	males	male	NOUN
fsr-4009	271	44	.	.	PUNCT
fsr-4009	272	1	it	it	PRON
fsr-4009	272	2	represents	represent	VERB
fsr-4009	272	3	the	the	DET
fsr-4009	272	4	gender	gender	NOUN
fsr-4009	272	5	gap	gap	NOUN
fsr-4009	272	6	in	in	ADP
fsr-4009	272	7	employer	employer	NOUN
fsr-4009	272	8	-	-	PUNCT
fsr-4009	272	9	sponsored	sponsor	VERB
fsr-4009	272	10	retirement	retirement	NOUN
fsr-4009	272	11	plan	plan	NOUN
fsr-4009	272	12	participation	participation	NOUN
fsr-4009	272	13	that	that	PRON
fsr-4009	272	14	can	can	AUX
fsr-4009	272	15	be	be	AUX
fsr-4009	272	16	attributed	attribute	VERB
fsr-4009	272	17	to	to	ADP
fsr-4009	272	18	the	the	DET
fsr-4009	272	19	differences	difference	NOUN
fsr-4009	272	20	in	in	ADP
fsr-4009	272	21	financial	financial	ADJ
fsr-4009	272	22	literacy	literacy	NOUN
fsr-4009	272	23	and	and	CCONJ
fsr-4009	272	24	other	other	ADJ
fsr-4009	272	25	explanatory	explanatory	ADJ
fsr-4009	272	26	variables	variable	NOUN
fsr-4009	272	27	.	.	PUNCT
fsr-4009	273	1	this	this	DET
fsr-4009	273	2	portion	portion	NOUN
fsr-4009	273	3	of	of	ADP
fsr-4009	273	4	the	the	DET
fsr-4009	273	5	gender	gender	NOUN
fsr-4009	273	6	gap	gap	NOUN
fsr-4009	273	7	in	in	ADP
fsr-4009	273	8	employer	employer	NOUN
fsr-4009	273	9	-	-	PUNCT
fsr-4009	273	10	sponsored	sponsor	VERB
fsr-4009	273	11	retirement	retirement	NOUN
fsr-4009	273	12	plan	plan	NOUN
fsr-4009	273	13	participation	participation	NOUN
fsr-4009	273	14	is	be	AUX
fsr-4009	273	15	the	the	DET
fsr-4009	273	16	explained	explain	VERB
fsr-4009	273	17	portion	portion	NOUN
fsr-4009	273	18	of	of	ADP
fsr-4009	273	19	the	the	DET
fsr-4009	273	20	retirement	retirement	NOUN
fsr-4009	273	21	plan	plan	NOUN
fsr-4009	273	22	participation	participation	NOUN
fsr-4009	273	23	gap	gap	NOUN
fsr-4009	273	24	(	(	PUNCT
fsr-4009	273	25	differences	difference	NOUN
fsr-4009	273	26	in	in	ADP
fsr-4009	273	27	mean	mean	NOUN
fsr-4009	273	28	)	)	PUNCT
fsr-4009	273	29	.	.	PUNCT
fsr-4009	274	1	the	the	DET
fsr-4009	274	2	second	second	ADJ
fsr-4009	274	3	term	term	NOUN
fsr-4009	274	4	in	in	ADP
fsr-4009	274	5	brackets	bracket	NOUN
fsr-4009	274	6	on	on	ADP
fsr-4009	274	7	the	the	DET
fsr-4009	274	8	right	right	ADJ
fsr-4009	274	9	side	side	NOUN
fsr-4009	274	10	of	of	ADP
fsr-4009	274	11	equation	equation	NOUN
fsr-4009	274	12	(	(	PUNCT
fsr-4009	274	13	4	4	NUM
fsr-4009	274	14	)	)	PUNCT
fsr-4009	274	15	is	be	AUX
fsr-4009	274	16	the	the	DET
fsr-4009	274	17	difference	difference	NOUN
fsr-4009	274	18	in	in	ADP
fsr-4009	274	19	the	the	DET
fsr-4009	274	20	return	return	NOUN
fsr-4009	274	21	of	of	ADP
fsr-4009	274	22	financial	financial	ADJ
fsr-4009	274	23	literacy	literacy	NOUN
fsr-4009	274	24	and	and	CCONJ
fsr-4009	274	25	other	other	ADJ
fsr-4009	274	26	explanatory	explanatory	ADJ
fsr-4009	274	27	variables	variable	NOUN
fsr-4009	274	28	for	for	ADP
fsr-4009	274	29	females	female	NOUN
fsr-4009	274	30	and	and	CCONJ
fsr-4009	274	31	males	male	NOUN
fsr-4009	274	32	.	.	PUNCT
fsr-4009	275	1	this	this	DET
fsr-4009	275	2	portion	portion	NOUN
fsr-4009	275	3	of	of	ADP
fsr-4009	275	4	the	the	DET
fsr-4009	275	5	gender	gender	NOUN
fsr-4009	275	6	gap	gap	NOUN
fsr-4009	275	7	in	in	ADP
fsr-4009	275	8	employer	employer	NOUN
fsr-4009	275	9	-	-	PUNCT
fsr-4009	275	10	sponsored	sponsor	VERB
fsr-4009	275	11	retirement	retirement	NOUN
fsr-4009	275	12	plan	plan	NOUN
fsr-4009	275	13	participation	participation	NOUN
fsr-4009	275	14	is	be	AUX
fsr-4009	275	15	the	the	DET
fsr-4009	275	16	unexplained	unexplained	ADJ
fsr-4009	275	17	portion	portion	NOUN
fsr-4009	275	18	of	of	ADP
fsr-4009	275	19	the	the	DET
fsr-4009	275	20	retirement	retirement	NOUN
fsr-4009	275	21	plan	plan	NOUN
fsr-4009	275	22	participation	participation	NOUN
fsr-4009	275	23	gap	gap	NOUN
fsr-4009	275	24	(	(	PUNCT
fsr-4009	275	25	difference	difference	NOUN
fsr-4009	275	26	in	in	ADP
fsr-4009	275	27	slope	slope	NOUN
fsr-4009	275	28	)	)	PUNCT
fsr-4009	275	29	.	.	PUNCT
fsr-4009	276	1	to	to	PART
fsr-4009	276	2	get	get	VERB
fsr-4009	276	3	the	the	DET
fsr-4009	276	4	portion	portion	NOUN
fsr-4009	276	5	of	of	ADP
fsr-4009	276	6	the	the	DET
fsr-4009	276	7	gender	gender	NOUN
fsr-4009	276	8	gap	gap	NOUN
fsr-4009	276	9	for	for	ADP
fsr-4009	276	10	each	each	DET
fsr-4009	276	11	explanatory	explanatory	ADJ
fsr-4009	276	12	variable	variable	NOUN
fsr-4009	276	13	,	,	PUNCT
fsr-4009	276	14	we	we	PRON
fsr-4009	276	15	divide	divide	VERB
fsr-4009	276	16	equation	equation	NOUN
fsr-4009	276	17	(	(	PUNCT
fsr-4009	276	18	4	4	NUM
fsr-4009	276	19	)	)	PUNCT
fsr-4009	276	20	by	by	ADP
fsr-4009	276	21	the	the	DET
fsr-4009	276	22	total	total	ADJ
fsr-4009	276	23	gap	gap	NOUN
fsr-4009	276	24	in	in	ADP
fsr-4009	276	25	employer	employer	NOUN
fsr-4009	276	26	-	-	PUNCT
fsr-4009	276	27	sponsored	sponsor	VERB
fsr-4009	276	28	plan	plan	NOUN
fsr-4009	276	29	participation	participation	NOUN
fsr-4009	276	30	(	(	PUNCT
fsr-4009	276	31	y̅f	y̅f	PROPN
fsr-4009	276	32	y̅m	y̅m	NUM
fsr-4009	276	33	)	)	PUNCT
fsr-4009	276	34	to	to	PART
fsr-4009	276	35	put	put	VERB
fsr-4009	276	36	the	the	DET
fsr-4009	276	37	two	two	NUM
fsr-4009	276	38	terms	term	NOUN
fsr-4009	276	39	in	in	ADP
fsr-4009	276	40	percentage	percentage	NOUN
fsr-4009	276	41	.	.	PUNCT
fsr-4009	277	1	the	the	DET
fsr-4009	277	2	explained	explain	VERB
fsr-4009	277	3	portion	portion	NOUN
fsr-4009	277	4	for	for	ADP
fsr-4009	277	5	each	each	DET
fsr-4009	277	6	explanatory	explanatory	ADJ
fsr-4009	277	7	variable	variable	NOUN
fsr-4009	277	8	is	be	AUX
fsr-4009	277	9	[	[	X
fsr-4009	277	10	β̂jm	β̂jm	X
fsr-4009	277	11	×(x̅jf	×(x̅jf	NOUN
fsr-4009	277	12	−	−	NOUN
fsr-4009	277	13	x̅jm	x̅jm	PROPN
fsr-4009	277	14	)	)	PUNCT
fsr-4009	277	15	]	]	PUNCT
fsr-4009	278	1	y̅f	y̅f	PROPN
fsr-4009	278	2	−	−	PROPN
fsr-4009	278	3	y̅m	y̅m	NUM
fsr-4009	278	4	×	×	NOUN
fsr-4009	278	5	100	100	NUM
fsr-4009	278	6	and	and	CCONJ
fsr-4009	278	7	the	the	DET
fsr-4009	278	8	unexplained	unexplained	ADJ
fsr-4009	278	9	portion	portion	NOUN
fsr-4009	278	10	for	for	ADP
fsr-4009	278	11	each	each	DET
fsr-4009	278	12	explanatory	explanatory	ADJ
fsr-4009	278	13	variable	variable	NOUN
fsr-4009	278	14	is	be	AUX
fsr-4009	278	15	=	=	PUNCT
fsr-4009	279	1	[	[	X
fsr-4009	279	2	(	(	PUNCT
fsr-4009	279	3	β̂jf	β̂jf	PROPN
fsr-4009	279	4	−	−	NOUN
fsr-4009	279	5	β̂jm	β̂jm	NOUN
fsr-4009	279	6	)	)	PUNCT
fsr-4009	279	7	×	×	NOUN
fsr-4009	279	8	x̅jf	x̅jf	NOUN
fsr-4009	279	9	]	]	PUNCT
fsr-4009	280	1	y̅f	y̅f	PROPN
fsr-4009	280	2	−	−	PROPN
fsr-4009	280	3	y̅m	y̅m	NUM
fsr-4009	280	4	×	×	NOUN
fsr-4009	280	5	100	100	NUM
fsr-4009	280	6	.	.	PUNCT
fsr-4009	281	1	adding	add	VERB
fsr-4009	281	2	explained	explain	VERB
fsr-4009	281	3	and	and	CCONJ
fsr-4009	281	4	unexplained	unexplained	ADJ
fsr-4009	281	5	percentage	percentage	NOUN
fsr-4009	281	6	for	for	ADP
fsr-4009	281	7	each	each	DET
fsr-4009	281	8	explanatory	explanatory	ADJ
fsr-4009	281	9	variable	variable	NOUN
fsr-4009	281	10	add	add	VERB
fsr-4009	281	11	up	up	ADV
fsr-4009	281	12	to	to	PART
fsr-4009	281	13	100	100	NUM
fsr-4009	281	14	percent	percent	NOUN
fsr-4009	281	15	.	.	PUNCT
fsr-4009	282	1	oaxaca	oaxaca	PROPN
fsr-4009	282	2	decomposition	decomposition	NOUN
fsr-4009	282	3	results	result	VERB
fsr-4009	282	4	this	this	DET
fsr-4009	282	5	study	study	NOUN
fsr-4009	282	6	examines	examine	VERB
fsr-4009	282	7	the	the	DET
fsr-4009	282	8	oaxaca	oaxaca	PROPN
fsr-4009	282	9	decomposition	decomposition	NOUN
fsr-4009	282	10	of	of	ADP
fsr-4009	282	11	the	the	DET
fsr-4009	282	12	gender	gender	NOUN
fsr-4009	282	13	gap	gap	NOUN
fsr-4009	282	14	in	in	ADP
fsr-4009	282	15	employer	employer	NOUN
fsr-4009	282	16	-	-	PUNCT
fsr-4009	282	17	sponsored	sponsor	VERB
fsr-4009	282	18	,	,	PUNCT
fsr-4009	282	19	retirement	retirement	NOUN
fsr-4009	282	20	-	-	PUNCT
fsr-4009	282	21	plan	plan	NOUN
fsr-4009	282	22	participation	participation	NOUN
fsr-4009	282	23	for	for	ADP
fsr-4009	282	24	single	single	ADJ
fsr-4009	282	25	,	,	PUNCT
fsr-4009	282	26	employed	employ	VERB
fsr-4009	282	27	individuals	individual	NOUN
fsr-4009	282	28	.	.	PUNCT
fsr-4009	283	1	table	table	NOUN
fsr-4009	283	2	4	4	NUM
fsr-4009	283	3	shows	show	VERB
fsr-4009	283	4	the	the	DET
fsr-4009	283	5	decomposition	decomposition	NOUN
fsr-4009	283	6	for	for	ADP
fsr-4009	283	7	single	single	ADJ
fsr-4009	283	8	,	,	PUNCT
fsr-4009	283	9	employed	employ	VERB
fsr-4009	283	10	individuals	individual	NOUN
fsr-4009	283	11	.	.	PUNCT
fsr-4009	284	1	column	column	NOUN
fsr-4009	284	2	“	"	PUNCT
fsr-4009	284	3	a	a	PRON
fsr-4009	284	4	”	"	PUNCT
fsr-4009	284	5	shows	show	VERB
fsr-4009	284	6	the	the	DET
fsr-4009	284	7	explained	explain	VERB
fsr-4009	284	8	portion	portion	NOUN
fsr-4009	284	9	for	for	ADP
fsr-4009	284	10	each	each	DET
fsr-4009	284	11	explanatory	explanatory	ADJ
fsr-4009	284	12	variable	variable	NOUN
fsr-4009	284	13	and	and	CCONJ
fsr-4009	284	14	the	the	DET
fsr-4009	284	15	total	total	ADJ
fsr-4009	284	16	explained	explain	VERB
fsr-4009	284	17	gap	gap	NOUN
fsr-4009	284	18	.	.	PUNCT
fsr-4009	285	1	column	column	NOUN
fsr-4009	285	2	“	"	PUNCT
fsr-4009	285	3	b	b	X
fsr-4009	285	4	”	"	PUNCT
fsr-4009	285	5	shows	show	VERB
fsr-4009	285	6	the	the	DET
fsr-4009	285	7	unexplained	unexplained	ADJ
fsr-4009	285	8	portion	portion	NOUN
fsr-4009	285	9	for	for	ADP
fsr-4009	285	10	each	each	DET
fsr-4009	285	11	explanatory	explanatory	ADJ
fsr-4009	285	12	variable	variable	NOUN
fsr-4009	285	13	and	and	CCONJ
fsr-4009	285	14	the	the	DET
fsr-4009	285	15	total	total	ADJ
fsr-4009	285	16	unexplained	unexplained	ADJ
fsr-4009	285	17	gap	gap	NOUN
fsr-4009	285	18	.	.	PUNCT
fsr-4009	286	1	table	table	NOUN
fsr-4009	286	2	4	4	NUM
fsr-4009	286	3	also	also	ADV
fsr-4009	286	4	shows	show	VERB
fsr-4009	286	5	the	the	DET
fsr-4009	286	6	total	total	ADJ
fsr-4009	286	7	gender	gender	NOUN
fsr-4009	286	8	gap	gap	NOUN
fsr-4009	286	9	(	(	PUNCT
fsr-4009	286	10	explained	explain	VERB
fsr-4009	286	11	and	and	CCONJ
fsr-4009	286	12	unexplained	unexplained	ADJ
fsr-4009	286	13	)	)	PUNCT
fsr-4009	286	14	in	in	ADP
fsr-4009	286	15	employer	employer	NOUN
fsr-4009	286	16	-	-	PUNCT
fsr-4009	286	17	sponsored	sponsor	VERB
fsr-4009	286	18	,	,	PUNCT
fsr-4009	286	19	retirement	retirement	NOUN
fsr-4009	286	20	-	-	PUNCT
fsr-4009	286	21	plan	plan	NOUN
fsr-4009	286	22	participation	participation	NOUN
fsr-4009	286	23	for	for	ADP
fsr-4009	286	24	single	single	ADJ
fsr-4009	286	25	,	,	PUNCT
fsr-4009	286	26	employed	employ	VERB
fsr-4009	286	27	individuals	individual	NOUN
fsr-4009	286	28	.	.	PUNCT
fsr-4009	287	1	table	table	NOUN
fsr-4009	287	2	4	4	NUM
fsr-4009	287	3	shows	show	VERB
fsr-4009	287	4	that	that	SCONJ
fsr-4009	287	5	females	female	NOUN
fsr-4009	287	6	and	and	CCONJ
fsr-4009	287	7	males	male	NOUN
fsr-4009	287	8	have	have	VERB
fsr-4009	287	9	a	a	DET
fsr-4009	287	10	0.0136	0.0136	NUM
fsr-4009	287	11	(	(	PUNCT
fsr-4009	287	12	1.36	1.36	NUM
fsr-4009	287	13	percentage	percentage	NOUN
fsr-4009	287	14	point	point	NOUN
fsr-4009	287	15	)	)	PUNCT
fsr-4009	287	16	gap	gap	NOUN
fsr-4009	287	17	in	in	ADP
fsr-4009	287	18	participation	participation	NOUN
fsr-4009	287	19	in	in	ADP
fsr-4009	287	20	employer	employer	NOUN
fsr-4009	287	21	-	-	PUNCT
fsr-4009	287	22	sponsored	sponsor	VERB
fsr-4009	287	23	retirement	retirement	NOUN
fsr-4009	287	24	plans	plan	NOUN
fsr-4009	287	25	.	.	PUNCT
fsr-4009	288	1	it	it	PRON
fsr-4009	288	2	means	mean	VERB
fsr-4009	288	3	that	that	SCONJ
fsr-4009	288	4	females	female	NOUN
fsr-4009	288	5	’	'	PUNCT
fsr-4009	288	6	participation	participation	NOUN
fsr-4009	288	7	in	in	ADP
fsr-4009	288	8	employer	employer	NOUN
fsr-4009	288	9	-	-	PUNCT
fsr-4009	288	10	sponsored	sponsor	VERB
fsr-4009	288	11	retirement	retirement	NOUN
fsr-4009	288	12	plans	plan	NOUN
fsr-4009	288	13	is	be	AUX
fsr-4009	288	14	1.36	1.36	NUM
fsr-4009	288	15	percentage	percentage	NOUN
fsr-4009	288	16	points	point	NOUN
fsr-4009	288	17	higher	high	ADJ
fsr-4009	288	18	than	than	ADP
fsr-4009	288	19	males	male	NOUN
fsr-4009	288	20	'	'	PUNCT
fsr-4009	288	21	.	.	PUNCT
fsr-4009	289	1	of	of	ADP
fsr-4009	289	2	the	the	DET
fsr-4009	289	3	original	original	ADJ
fsr-4009	289	4	0.0136	0.0136	NUM
fsr-4009	289	5	gaps	gap	NOUN
fsr-4009	289	6	,	,	PUNCT
fsr-4009	289	7	-0.0428	-0.0428	X
fsr-4009	289	8	is	be	AUX
fsr-4009	289	9	the	the	DET
fsr-4009	289	10	result	result	NOUN
fsr-4009	289	11	of	of	ADP
fsr-4009	289	12	the	the	DET
fsr-4009	289	13	difference	difference	NOUN
fsr-4009	289	14	in	in	ADP
fsr-4009	289	15	financial	financial	ADJ
fsr-4009	289	16	literacy	literacy	NOUN
fsr-4009	289	17	and	and	CCONJ
fsr-4009	289	18	other	other	ADJ
fsr-4009	289	19	explanatory	explanatory	ADJ
fsr-4009	289	20	variables	variable	NOUN
fsr-4009	289	21	between	between	ADP
fsr-4009	289	22	females	female	NOUN
fsr-4009	289	23	and	and	CCONJ
fsr-4009	289	24	males	male	NOUN
fsr-4009	289	25	(	(	PUNCT
fsr-4009	289	26	explained	explain	VERB
fsr-4009	289	27	gap	gap	NOUN
fsr-4009	289	28	)	)	PUNCT
fsr-4009	289	29	.	.	PUNCT
fsr-4009	290	1	and	and	CCONJ
fsr-4009	290	2	0.0565	0.0565	NUM
fsr-4009	290	3	is	be	AUX
fsr-4009	290	4	the	the	DET
fsr-4009	290	5	result	result	NOUN
fsr-4009	290	6	of	of	ADP
fsr-4009	290	7	the	the	DET
fsr-4009	290	8	differences	difference	NOUN
fsr-4009	290	9	in	in	ADP
fsr-4009	290	10	the	the	DET
fsr-4009	290	11	return	return	NOUN
fsr-4009	290	12	to	to	ADP
fsr-4009	290	13	financial	financial	ADJ
fsr-4009	290	14	literacy	literacy	NOUN
fsr-4009	290	15	and	and	CCONJ
fsr-4009	290	16	other	other	ADJ
fsr-4009	290	17	explanatory	explanatory	ADJ
fsr-4009	290	18	variables	variable	NOUN
fsr-4009	290	19	between	between	ADP
fsr-4009	290	20	females	female	NOUN
fsr-4009	290	21	and	and	CCONJ
fsr-4009	290	22	males	male	NOUN
fsr-4009	290	23	(	(	PUNCT
fsr-4009	290	24	unexplained	unexplained	ADJ
fsr-4009	290	25	gap	gap	NOUN
fsr-4009	290	26	)	)	PUNCT
fsr-4009	290	27	.	.	PUNCT
fsr-4009	291	1	the	the	DET
fsr-4009	291	2	negative	negative	ADJ
fsr-4009	291	3	explained	explain	VERB
fsr-4009	291	4	gap	gap	NOUN
fsr-4009	291	5	means	mean	VERB
fsr-4009	291	6	females	female	NOUN
fsr-4009	291	7	have	have	VERB
fsr-4009	291	8	a	a	DET
fsr-4009	291	9	lower	low	ADJ
fsr-4009	291	10	average	average	ADJ
fsr-4009	291	11	value	value	NOUN
fsr-4009	291	12	of	of	ADP
fsr-4009	291	13	explanatory	explanatory	ADJ
fsr-4009	291	14	variables	variable	NOUN
fsr-4009	291	15	than	than	ADP
fsr-4009	291	16	males	male	NOUN
fsr-4009	291	17	.	.	PUNCT
fsr-4009	292	1	the	the	DET
fsr-4009	292	2	positive	positive	ADJ
fsr-4009	292	3	unexplained	unexplained	ADJ
fsr-4009	292	4	gap	gap	NOUN
fsr-4009	292	5	means	mean	VERB
fsr-4009	292	6	females	female	NOUN
fsr-4009	292	7	have	have	VERB
fsr-4009	292	8	a	a	DET
fsr-4009	292	9	higher	high	ADJ
fsr-4009	292	10	return	return	NOUN
fsr-4009	292	11	to	to	ADP
fsr-4009	292	12	explanatory	explanatory	ADJ
fsr-4009	292	13	variables	variable	NOUN
fsr-4009	292	14	than	than	ADP
fsr-4009	292	15	males	male	NOUN
fsr-4009	292	16	.	.	PUNCT
fsr-4009	293	1	table	table	NOUN
fsr-4009	293	2	4	4	NUM
fsr-4009	293	3	also	also	ADV
fsr-4009	293	4	shows	show	VERB
fsr-4009	293	5	which	which	PRON
fsr-4009	293	6	variables	variable	NOUN
fsr-4009	293	7	are	be	AUX
fsr-4009	293	8	most	most	ADV
fsr-4009	293	9	responsible	responsible	ADJ
fsr-4009	293	10	for	for	ADP
fsr-4009	293	11	the	the	DET
fsr-4009	293	12	difference	difference	NOUN
fsr-4009	293	13	in	in	ADP
fsr-4009	293	14	employersponsored	employersponsored	ADJ
fsr-4009	293	15	retirement	retirement	NOUN
fsr-4009	293	16	plan	plan	NOUN
fsr-4009	293	17	participation	participation	NOUN
fsr-4009	293	18	.	.	PUNCT
fsr-4009	294	1	for	for	ADP
fsr-4009	294	2	the	the	DET
fsr-4009	294	3	explained	explain	VERB
fsr-4009	294	4	gap	gap	NOUN
fsr-4009	294	5	,	,	PUNCT
fsr-4009	294	6	these	these	PRON
fsr-4009	294	7	are	be	AUX
fsr-4009	294	8	objective	objective	ADJ
fsr-4009	294	9	financial	financial	ADJ
fsr-4009	294	10	literacy	literacy	NOUN
fsr-4009	294	11	(	(	PUNCT
fsr-4009	294	12	-142.84	-142.84	PROPN
fsr-4009	294	13	%	%	NOUN
fsr-4009	294	14	)	)	PUNCT
fsr-4009	294	15	,	,	PUNCT
fsr-4009	294	16	homeownership	homeownership	NOUN
fsr-4009	294	17	(	(	PUNCT
fsr-4009	294	18	-52.44	-52.44	NOUN
fsr-4009	294	19	%	%	NOUN
fsr-4009	294	20	)	)	PUNCT
fsr-4009	294	21	,	,	PUNCT
fsr-4009	294	22	and	and	CCONJ
fsr-4009	294	23	high	high	ADJ
fsr-4009	294	24	risk	risk	NOUN
fsr-4009	294	25	tolerance	tolerance	NOUN
fsr-4009	294	26	(	(	PUNCT
fsr-4009	294	27	-83.02	-83.02	PROPN
fsr-4009	294	28	%	%	NOUN
fsr-4009	294	29	)	)	PUNCT
fsr-4009	294	30	.	.	PUNCT
fsr-4009	295	1	for	for	ADP
fsr-4009	295	2	the	the	DET
fsr-4009	295	3	unexplained	unexplained	ADJ
fsr-4009	295	4	gap	gap	NOUN
fsr-4009	295	5	,	,	PUNCT
fsr-4009	295	6	variables	variable	NOUN
fsr-4009	295	7	that	that	PRON
fsr-4009	295	8	contributed	contribute	VERB
fsr-4009	295	9	significantly	significantly	ADV
fsr-4009	295	10	are	be	AUX
fsr-4009	295	11	age	age	NOUN
fsr-4009	295	12	25	25	NUM
fsr-4009	295	13	-	-	SYM
fsr-4009	295	14	34	34	NUM
fsr-4009	295	15	(	(	PUNCT
fsr-4009	295	16	189.78	189.78	NUM
fsr-4009	295	17	%	%	NOUN
fsr-4009	295	18	)	)	PUNCT
fsr-4009	295	19	,	,	PUNCT
fsr-4009	295	20	age	age	NOUN
fsr-4009	295	21	35	35	NUM
fsr-4009	295	22	-	-	SYM
fsr-4009	295	23	44	44	NUM
fsr-4009	295	24	(	(	PUNCT
fsr-4009	295	25	122.83	122.83	NUM
fsr-4009	295	26	%	%	NOUN
fsr-4009	295	27	)	)	PUNCT
fsr-4009	295	28	,	,	PUNCT
fsr-4009	295	29	and	and	CCONJ
fsr-4009	295	30	bachelor	bachelor	NOUN
fsr-4009	295	31	’s	’s	NOUN
fsr-4009	295	32	degree	degree	NOUN
fsr-4009	295	33	(	(	PUNCT
fsr-4009	295	34	130.63	130.63	NUM
fsr-4009	295	35	%	%	NOUN
fsr-4009	295	36	)	)	PUNCT
fsr-4009	295	37	.	.	PUNCT
fsr-4009	296	1	the	the	DET
fsr-4009	296	2	positive	positive	ADJ
fsr-4009	296	3	unexplained	unexplained	ADJ
fsr-4009	296	4	gap	gap	NOUN
fsr-4009	296	5	for	for	ADP
fsr-4009	296	6	age	age	NOUN
fsr-4009	296	7	and	and	CCONJ
fsr-4009	296	8	education	education	NOUN
fsr-4009	296	9	suggests	suggest	VERB
fsr-4009	296	10	that	that	SCONJ
fsr-4009	296	11	women	woman	NOUN
fsr-4009	296	12	in	in	ADP
fsr-4009	296	13	financial	financial	ADJ
fsr-4009	296	14	services	service	NOUN
fsr-4009	296	15	review	review	NOUN
fsr-4009	296	16	,	,	PUNCT
fsr-4009	296	17	33(2	33(2	NUM
fsr-4009	296	18	)	)	PUNCT
fsr-4009	296	19	156	156	NUM
fsr-4009	296	20	these	these	DET
fsr-4009	296	21	groups	group	NOUN
fsr-4009	296	22	benefit	benefit	VERB
fsr-4009	296	23	more	more	ADJ
fsr-4009	296	24	than	than	ADP
fsr-4009	296	25	men	man	NOUN
fsr-4009	296	26	with	with	ADP
fsr-4009	296	27	similar	similar	ADJ
fsr-4009	296	28	characteristics	characteristic	NOUN
fsr-4009	296	29	.	.	PUNCT
fsr-4009	297	1	women	woman	NOUN
fsr-4009	297	2	with	with	ADP
fsr-4009	297	3	higher	high	ADJ
fsr-4009	297	4	education	education	NOUN
fsr-4009	297	5	may	may	AUX
fsr-4009	297	6	make	make	VERB
fsr-4009	297	7	better	well	ADJ
fsr-4009	297	8	use	use	NOUN
fsr-4009	297	9	of	of	ADP
fsr-4009	297	10	employer	employer	NOUN
fsr-4009	297	11	-	-	PUNCT
fsr-4009	297	12	sponsored	sponsor	VERB
fsr-4009	297	13	retirement	retirement	NOUN
fsr-4009	297	14	plans	plan	NOUN
fsr-4009	297	15	,	,	PUNCT
fsr-4009	297	16	and	and	CCONJ
fsr-4009	297	17	younger	young	ADJ
fsr-4009	297	18	women	woman	NOUN
fsr-4009	297	19	may	may	AUX
fsr-4009	297	20	be	be	AUX
fsr-4009	297	21	more	more	ADV
fsr-4009	297	22	engaged	engaged	ADJ
fsr-4009	297	23	in	in	ADP
fsr-4009	297	24	planning	planning	NOUN
fsr-4009	297	25	for	for	ADP
fsr-4009	297	26	their	their	PRON
fsr-4009	297	27	financial	financial	ADJ
fsr-4009	297	28	future	future	NOUN
fsr-4009	297	29	.	.	PUNCT
fsr-4009	298	1	the	the	DET
fsr-4009	298	2	portion	portion	NOUN
fsr-4009	298	3	of	of	ADP
fsr-4009	298	4	the	the	DET
fsr-4009	298	5	gender	gender	NOUN
fsr-4009	298	6	gap	gap	NOUN
fsr-4009	298	7	in	in	ADP
fsr-4009	298	8	participation	participation	NOUN
fsr-4009	298	9	in	in	ADP
fsr-4009	298	10	employer	employer	NOUN
fsr-4009	298	11	-	-	PUNCT
fsr-4009	298	12	sponsored	sponsor	VERB
fsr-4009	298	13	plans	plan	NOUN
fsr-4009	298	14	explained	explain	VERB
fsr-4009	298	15	by	by	ADP
fsr-4009	298	16	differences	difference	NOUN
fsr-4009	298	17	in	in	ADP
fsr-4009	298	18	financial	financial	ADJ
fsr-4009	298	19	literacy	literacy	NOUN
fsr-4009	298	20	is	be	AUX
fsr-4009	298	21	142.85	142.85	NUM
fsr-4009	298	22	%	%	NOUN
fsr-4009	298	23	,	,	PUNCT
fsr-4009	298	24	and	and	CCONJ
fsr-4009	298	25	the	the	DET
fsr-4009	298	26	portion	portion	NOUN
fsr-4009	298	27	due	due	ADP
fsr-4009	298	28	to	to	ADP
fsr-4009	298	29	differences	difference	NOUN
fsr-4009	298	30	in	in	ADP
fsr-4009	298	31	return	return	NOUN
fsr-4009	298	32	to	to	ADP
fsr-4009	298	33	financial	financial	ADJ
fsr-4009	298	34	literacy	literacy	NOUN
fsr-4009	298	35	is	be	AUX
fsr-4009	298	36	-236.01	-236.01	ADJ
fsr-4009	298	37	%	%	NOUN
fsr-4009	298	38	.	.	PUNCT
fsr-4009	299	1	the	the	DET
fsr-4009	299	2	negative	negative	ADJ
fsr-4009	299	3	explained	explain	VERB
fsr-4009	299	4	and	and	CCONJ
fsr-4009	299	5	unexplained	unexplained	ADJ
fsr-4009	299	6	gap	gap	NOUN
fsr-4009	299	7	due	due	ADJ
fsr-4009	299	8	to	to	ADP
fsr-4009	299	9	financial	financial	ADJ
fsr-4009	299	10	literacy	literacy	NOUN
fsr-4009	299	11	suggests	suggest	VERB
fsr-4009	299	12	that	that	SCONJ
fsr-4009	299	13	women	woman	NOUN
fsr-4009	299	14	have	have	VERB
fsr-4009	299	15	a	a	DET
fsr-4009	299	16	lower	low	ADJ
fsr-4009	299	17	average	average	ADJ
fsr-4009	299	18	value	value	NOUN
fsr-4009	299	19	of	of	ADP
fsr-4009	299	20	financial	financial	ADJ
fsr-4009	299	21	literacy	literacy	NOUN
fsr-4009	299	22	and	and	CCONJ
fsr-4009	299	23	a	a	DET
fsr-4009	299	24	lower	low	ADJ
fsr-4009	299	25	return	return	NOUN
fsr-4009	299	26	to	to	ADP
fsr-4009	299	27	financial	financial	ADJ
fsr-4009	299	28	literacy	literacy	NOUN
fsr-4009	299	29	than	than	ADP
fsr-4009	299	30	men	man	NOUN
fsr-4009	299	31	.	.	PUNCT
fsr-4009	300	1	figure	figure	NOUN
fsr-4009	300	2	1	1	NUM
fsr-4009	300	3	illustrates	illustrate	VERB
fsr-4009	300	4	the	the	DET
fsr-4009	300	5	explained	explain	VERB
fsr-4009	300	6	and	and	CCONJ
fsr-4009	300	7	unexplained	unexplained	ADJ
fsr-4009	300	8	contributions	contribution	NOUN
fsr-4009	300	9	of	of	ADP
fsr-4009	300	10	key	key	ADJ
fsr-4009	300	11	variables	variable	NOUN
fsr-4009	300	12	to	to	ADP
fsr-4009	300	13	the	the	DET
fsr-4009	300	14	gender	gender	NOUN
fsr-4009	300	15	gap	gap	NOUN
fsr-4009	300	16	.	.	PUNCT
fsr-4009	301	1	figure	figure	NOUN
fsr-4009	301	2	1	1	NUM
fsr-4009	301	3	.	.	NUM
fsr-4009	301	4	explained	explain	VERB
fsr-4009	301	5	vs.	vs.	ADP
fsr-4009	301	6	unexplained	unexplained	ADJ
fsr-4009	301	7	contribution	contribution	NOUN
fsr-4009	301	8	to	to	ADP
fsr-4009	301	9	gender	gender	NOUN
fsr-4009	301	10	gap	gap	NOUN
fsr-4009	301	11	(	(	PUNCT
fsr-4009	301	12	key	key	ADJ
fsr-4009	301	13	variables	variable	NOUN
fsr-4009	301	14	)	)	PUNCT
fsr-4009	301	15	table	table	NOUN
fsr-4009	301	16	4	4	NUM
fsr-4009	301	17	.	.	PUNCT
fsr-4009	301	18	results	result	NOUN
fsr-4009	301	19	from	from	ADP
fsr-4009	301	20	oaxaca	oaxaca	PROPN
fsr-4009	301	21	decomposition	decomposition	NOUN
fsr-4009	301	22	(	(	PUNCT
fsr-4009	301	23	main	main	ADJ
fsr-4009	301	24	model	model	NOUN
fsr-4009	301	25	-	-	PUNCT
fsr-4009	301	26	employed	employ	VERB
fsr-4009	301	27	sample	sample	NOUN
fsr-4009	301	28	)	)	PUNCT
fsr-4009	301	29	a	a	DET
fsr-4009	301	30	b	b	NOUN
fsr-4009	301	31	explained	explain	VERB
fsr-4009	301	32	%	%	NOUN
fsr-4009	301	33	explained	explain	VERB
fsr-4009	301	34	unexplained	unexplained	ADJ
fsr-4009	301	35	%	%	NOUN
fsr-4009	301	36	unexplained	unexplained	ADJ
fsr-4009	301	37	objective	objective	ADJ
fsr-4009	301	38	financial	financial	ADJ
fsr-4009	301	39	knowledge	knowledge	NOUN
fsr-4009	301	40	-0.0195	-0.0195	PROPN
fsr-4009	301	41	-142.8483	-142.8483	PRON
fsr-4009	301	42	-0.0321	-0.0321	PROPN
fsr-4009	302	1	-236.0146	-236.0146	PUNCT
fsr-4009	302	2	white	white	PROPN
fsr-4009	302	3	0.0000	0.0000	NUM
fsr-4009	302	4	-0.0447	-0.0447	NOUN
fsr-4009	302	5	0.0005	0.0005	NUM
fsr-4009	302	6	3.4146	3.4146	NUM
fsr-4009	302	7	homeownership	homeownership	NOUN
fsr-4009	302	8	-0.0071	-0.0071	NOUN
fsr-4009	302	9	-52.4402	-52.4402	PUNCT
fsr-4009	302	10	-0.0021	-0.0021	NOUN
fsr-4009	302	11	-15.3123	-15.3123	NUM
fsr-4009	302	12	risk	risk	NOUN
fsr-4009	302	13	tolerance	tolerance	NOUN
fsr-4009	302	14	–	–	PUNCT
fsr-4009	302	15	medium	medium	NOUN
fsr-4009	302	16	0.0001	0.0001	NUM
fsr-4009	302	17	0.7108	0.7108	NUM
fsr-4009	302	18	0.0040	0.0040	NUM
fsr-4009	302	19	29.1971	29.1971	NUM
fsr-4009	302	20	risk	risk	NOUN
fsr-4009	302	21	tolerance	tolerance	NOUN
fsr-4009	302	22	–	–	PUNCT
fsr-4009	302	23	high	high	ADJ
fsr-4009	302	24	-0.0113	-0.0113	ADJ
fsr-4009	302	25	-83.0208	-83.0208	PUNCT
fsr-4009	302	26	-0.0114	-0.0114	PROPN
fsr-4009	302	27	-83.3842	-83.3842	PUNCT
fsr-4009	302	28	25	25	NUM
fsr-4009	302	29	-	-	SYM
fsr-4009	302	30	34	34	NUM
fsr-4009	302	31	-0.0011	-0.0011	NOUN
fsr-4009	302	32	-8.1430	-8.1430	VERB
fsr-4009	302	33	0.0258	0.0258	NUM
fsr-4009	302	34	189.7832	189.7832	NUM
fsr-4009	302	35	35	35	NUM
fsr-4009	302	36	-	-	SYM
fsr-4009	302	37	44	44	NUM
fsr-4009	302	38	0.0004	0.0004	NUM
fsr-4009	302	39	3.1459	3.1459	NUM
fsr-4009	302	40	0.0167	0.0167	NUM
fsr-4009	302	41	122.8348	122.8348	NUM
fsr-4009	302	42	45	45	NUM
fsr-4009	302	43	-	-	SYM
fsr-4009	302	44	54	54	NUM
fsr-4009	302	45	-0.0025	-0.0025	NOUN
fsr-4009	302	46	-18.3422	-18.3422	PUNCT
fsr-4009	303	1	0.0100	0.0100	NUM
fsr-4009	303	2	73.4972	73.4972	NUM
fsr-4009	303	3	55	55	NUM
fsr-4009	303	4	-	-	SYM
fsr-4009	303	5	64	64	NUM
fsr-4009	303	6	-0.0004	-0.0004	NOUN
fsr-4009	303	7	-2.7758	-2.7758	NOUN
fsr-4009	304	1	0.0096	0.0096	NUM
fsr-4009	304	2	70.6010	70.6010	NUM
fsr-4009	305	1	65	65	NUM
fsr-4009	305	2	+	+	SYM
fsr-4009	305	3	0.0003	0.0003	NUM
fsr-4009	305	4	2.3411	2.3411	NUM
fsr-4009	305	5	-0.0033	-0.0033	NOUN
fsr-4009	305	6	-24.3380	-24.3380	PUNCT
fsr-4009	305	7	$	$	SYM
fsr-4009	305	8	50,000	50,000	NUM
fsr-4009	305	9	to	to	PART
fsr-4009	305	10	$	$	SYM
fsr-4009	305	11	75,000	75,000	NUM
fsr-4009	305	12	-0.0053	-0.0053	VERB
fsr-4009	305	13	-38.6795	-38.6795	PUNCT
fsr-4009	305	14	-0.0050	-0.0050	PROPN
fsr-4009	305	15	-36.8995	-36.8995	PUNCT
fsr-4009	306	1	-400	-400	NUM
fsr-4009	307	1	-300	-300	INTJ
fsr-4009	307	2	-200	-200	NUM
fsr-4009	307	3	-100	-100	PROPN
fsr-4009	307	4	0	0	NUM
fsr-4009	307	5	100	100	NUM
fsr-4009	307	6	200	200	NUM
fsr-4009	307	7	300	300	NUM
fsr-4009	307	8	400	400	NUM
fsr-4009	307	9	500	500	NUM
fsr-4009	307	10	c	c	NOUN
fsr-4009	307	11	o	o	NOUN
fsr-4009	307	12	n	n	CCONJ
fsr-4009	307	13	tr	tr	VERB
fsr-4009	307	14	ib	ib	NOUN
fsr-4009	307	15	u	u	NOUN
fsr-4009	307	16	ti	ti	NOUN
fsr-4009	307	17	o	o	NOUN
fsr-4009	307	18	n	n	ADP
fsr-4009	307	19	t	t	NOUN
fsr-4009	307	20	o	o	X
fsr-4009	307	21	g	g	PROPN
fsr-4009	307	22	en	en	PROPN
fsr-4009	307	23	d	d	X
fsr-4009	308	1	er	er	INTJ
fsr-4009	308	2	g	g	NOUN
fsr-4009	308	3	ap	ap	PROPN
fsr-4009	309	1	%	%	INTJ
fsr-4009	310	1	%	%	NOUN
fsr-4009	310	2	explained	explain	VERB
fsr-4009	310	3	%	%	NOUN
fsr-4009	310	4	unexplained	unexplained	ADJ
fsr-4009	310	5	ahmmed	ahmmed	PROPN
fsr-4009	310	6	et	et	PROPN
fsr-4009	310	7	al	al	PROPN
fsr-4009	310	8	.	.	PROPN
fsr-4009	311	1	157	157	NUM
fsr-4009	311	2	$	$	SYM
fsr-4009	311	3	75,000	75,000	NUM
fsr-4009	311	4	to	to	PART
fsr-4009	311	5	$	$	SYM
fsr-4009	311	6	100,000	100,000	NUM
fsr-4009	311	7	-0.0032	-0.0032	NOUN
fsr-4009	311	8	-23.3687	-23.3687	PUNCT
fsr-4009	311	9	-0.0007	-0.0007	NOUN
fsr-4009	311	10	-5.1477	-5.1477	NOUN
fsr-4009	311	11	$	$	SYM
fsr-4009	311	12	100,000	100,000	NUM
fsr-4009	311	13	to	to	PART
fsr-4009	311	14	$	$	SYM
fsr-4009	311	15	150,000	150,000	NUM
fsr-4009	311	16	-0.0001	-0.0001	NOUN
fsr-4009	311	17	-0.8254	-0.8254	NOUN
fsr-4009	311	18	-0.0047	-0.0047	PROPN
fsr-4009	311	19	-34.7075	-34.7075	PUNCT
fsr-4009	311	20	$	$	SYM
fsr-4009	311	21	150,000	150,000	NUM
fsr-4009	311	22	to	to	PART
fsr-4009	311	23	$	$	SYM
fsr-4009	311	24	200,000	200,000	NUM
fsr-4009	311	25	-0.0016	-0.0016	NOUN
fsr-4009	311	26	-11.6480	-11.6480	PUNCT
fsr-4009	311	27	-0.0016	-0.0016	PROPN
fsr-4009	311	28	-11.9160	-11.9160	PUNCT
fsr-4009	311	29	$	$	SYM
fsr-4009	311	30	200,000	200,000	NUM
fsr-4009	311	31	to	to	PART
fsr-4009	311	32	$	$	SYM
fsr-4009	311	33	300,000	300,000	NUM
fsr-4009	311	34	-0.0005	-0.0005	NOUN
fsr-4009	311	35	-3.7194	-3.7194	NOUN
fsr-4009	312	1	0.0017	0.0017	NUM
fsr-4009	312	2	12.4403	12.4403	NUM
fsr-4009	312	3	more	more	ADJ
fsr-4009	312	4	than	than	ADP
fsr-4009	312	5	$	$	SYM
fsr-4009	312	6	300,000	300,000	NUM
fsr-4009	312	7	-0.0003	-0.0003	NOUN
fsr-4009	312	8	-2.3359	-2.3359	NOUN
fsr-4009	312	9	-0.0010	-0.0010	PROPN
fsr-4009	312	10	-7.1113	-7.1113	PROPN
fsr-4009	312	11	some	some	DET
fsr-4009	312	12	college	college	NOUN
fsr-4009	312	13	0.0008	0.0008	NUM
fsr-4009	312	14	5.6595	5.6595	NUM
fsr-4009	312	15	0.0031	0.0031	NUM
fsr-4009	312	16	22.7930	22.7930	NUM
fsr-4009	312	17	associate	associate	NOUN
fsr-4009	312	18	degree	degree	NOUN
fsr-4009	312	19	0.0008	0.0008	NUM
fsr-4009	312	20	5.5398	5.5398	NUM
fsr-4009	312	21	0.0003	0.0003	NUM
fsr-4009	312	22	2.1766	2.1766	NUM
fsr-4009	312	23	bachelor	bachelor	NOUN
fsr-4009	312	24	’s	’s	PART
fsr-4009	312	25	degree	degree	NOUN
fsr-4009	312	26	-0.0007	-0.0007	NOUN
fsr-4009	312	27	-4.8371	-4.8371	X
fsr-4009	313	1	0.0178	0.0178	NUM
fsr-4009	313	2	130.6298	130.6298	NUM
fsr-4009	313	3	postgraduate	postgraduate	NOUN
fsr-4009	313	4	degree	degree	NOUN
fsr-4009	313	5	0.0083	0.0083	NUM
fsr-4009	313	6	61.0642	61.0642	NUM
fsr-4009	313	7	0.0084	0.0084	NUM
fsr-4009	313	8	61.9314	61.9314	NUM
fsr-4009	313	9	constant	constant	ADJ
fsr-4009	313	10	0.0204	0.0204	NUM
fsr-4009	313	11	150.0984	150.0984	NUM
fsr-4009	313	12	total	total	ADJ
fsr-4009	313	13	explained	explain	VERB
fsr-4009	313	14	&	&	CCONJ
fsr-4009	313	15	unexplained	unexplained	ADJ
fsr-4009	313	16	-0.0428	-0.0428	NOUN
fsr-4009	313	17	-314.5676	-314.5676	NUM
fsr-4009	313	18	0.0565	0.0565	NUM
fsr-4009	313	19	414.5662	414.5662	NUM
fsr-4009	313	20	total	total	ADJ
fsr-4009	313	21	gap	gap	NOUN
fsr-4009	313	22	(	(	PUNCT
fsr-4009	313	23	explained	explain	VERB
fsr-4009	313	24	+	+	CCONJ
fsr-4009	313	25	unexplained	unexplained	ADJ
fsr-4009	313	26	)	)	PUNCT
fsr-4009	313	27	-0.0428	-0.0428	NOUN
fsr-4009	314	1	+	+	CCONJ
fsr-4009	314	2	0.0565	0.0565	NUM
fsr-4009	314	3	=	=	SYM
fsr-4009	314	4	0.0136	0.0136	NUM
fsr-4009	314	5	%	%	NOUN
fsr-4009	314	6	explained	explain	VERB
fsr-4009	314	7	(	(	PUNCT
fsr-4009	314	8	-0.0428/0.0136)*100	-0.0428/0.0136)*100	INTJ
fsr-4009	314	9	=	=	SYM
fsr-4009	314	10	-314.5676	-314.5676	NUM
fsr-4009	314	11	%	%	NOUN
fsr-4009	314	12	unexplained	unexplained	ADJ
fsr-4009	314	13	(	(	PUNCT
fsr-4009	314	14	0.0565/0.0136)*100	0.0565/0.0136)*100	NUM
fsr-4009	314	15	=	=	SYM
fsr-4009	314	16	414.5662	414.5662	NUM
fsr-4009	314	17	-314.5676	-314.5676	NUM
fsr-4009	314	18	%	%	NOUN
fsr-4009	315	1	+	+	CCONJ
fsr-4009	315	2	414.5662	414.5662	NUM
fsr-4009	315	3	=	=	SYM
fsr-4009	315	4	100	100	NUM
fsr-4009	315	5	%	%	NOUN
fsr-4009	315	6	sensitivity	sensitivity	NOUN
fsr-4009	315	7	analysis	analysis	NOUN
fsr-4009	315	8	this	this	DET
fsr-4009	315	9	study	study	NOUN
fsr-4009	315	10	also	also	ADV
fsr-4009	315	11	conducts	conduct	VERB
fsr-4009	315	12	a	a	DET
fsr-4009	315	13	sensitivity	sensitivity	NOUN
fsr-4009	315	14	analysis	analysis	NOUN
fsr-4009	315	15	with	with	ADP
fsr-4009	315	16	single	single	ADJ
fsr-4009	315	17	,	,	PUNCT
fsr-4009	315	18	full	full	ADJ
fsr-4009	315	19	-	-	PUNCT
fsr-4009	315	20	time	time	NOUN
fsr-4009	315	21	workers	worker	NOUN
fsr-4009	315	22	to	to	PART
fsr-4009	315	23	abstract	abstract	VERB
fsr-4009	315	24	from	from	ADP
fsr-4009	315	25	the	the	DET
fsr-4009	315	26	decision	decision	NOUN
fsr-4009	315	27	regarding	regard	VERB
fsr-4009	315	28	the	the	DET
fsr-4009	315	29	number	number	NOUN
fsr-4009	315	30	of	of	ADP
fsr-4009	315	31	hours	hour	NOUN
fsr-4009	315	32	worked	work	VERB
fsr-4009	315	33	.	.	PUNCT
fsr-4009	316	1	table	table	NOUN
fsr-4009	316	2	5	5	NUM
fsr-4009	316	3	shows	show	VERB
fsr-4009	316	4	the	the	DET
fsr-4009	316	5	results	result	NOUN
fsr-4009	316	6	for	for	ADP
fsr-4009	316	7	this	this	DET
fsr-4009	316	8	subsample	subsample	NOUN
fsr-4009	316	9	.	.	PUNCT
fsr-4009	317	1	column	column	NOUN
fsr-4009	317	2	“	"	PUNCT
fsr-4009	317	3	a	a	PRON
fsr-4009	317	4	”	"	PUNCT
fsr-4009	317	5	of	of	ADP
fsr-4009	317	6	table	table	NOUN
fsr-4009	317	7	5	5	NUM
fsr-4009	317	8	shows	show	VERB
fsr-4009	317	9	results	result	NOUN
fsr-4009	317	10	for	for	ADP
fsr-4009	317	11	the	the	DET
fsr-4009	317	12	male	male	ADJ
fsr-4009	317	13	subsample	subsample	NOUN
fsr-4009	317	14	.	.	PUNCT
fsr-4009	318	1	column	column	NOUN
fsr-4009	318	2	“	"	PUNCT
fsr-4009	318	3	b	b	X
fsr-4009	318	4	”	"	PUNCT
fsr-4009	318	5	shows	show	VERB
fsr-4009	318	6	results	result	NOUN
fsr-4009	318	7	for	for	ADP
fsr-4009	318	8	the	the	DET
fsr-4009	318	9	female	female	ADJ
fsr-4009	318	10	subsample	subsample	NOUN
fsr-4009	318	11	.	.	PUNCT
fsr-4009	319	1	the	the	DET
fsr-4009	319	2	results	result	NOUN
fsr-4009	319	3	of	of	ADP
fsr-4009	319	4	the	the	DET
fsr-4009	319	5	sensitivity	sensitivity	NOUN
fsr-4009	319	6	models	model	NOUN
fsr-4009	319	7	are	be	AUX
fsr-4009	319	8	consistent	consistent	ADJ
fsr-4009	319	9	with	with	ADP
fsr-4009	319	10	the	the	DET
fsr-4009	319	11	main	main	ADJ
fsr-4009	319	12	models	model	NOUN
fsr-4009	319	13	.	.	PUNCT
fsr-4009	320	1	table	table	NOUN
fsr-4009	320	2	5	5	NUM
fsr-4009	320	3	shows	show	VERB
fsr-4009	320	4	a	a	DET
fsr-4009	320	5	positive	positive	ADJ
fsr-4009	320	6	relationship	relationship	NOUN
fsr-4009	320	7	between	between	ADP
fsr-4009	320	8	objective	objective	ADJ
fsr-4009	320	9	financial	financial	ADJ
fsr-4009	320	10	literacy	literacy	NOUN
fsr-4009	320	11	scores	score	NOUN
fsr-4009	320	12	and	and	CCONJ
fsr-4009	320	13	participation	participation	NOUN
fsr-4009	320	14	in	in	ADP
fsr-4009	320	15	employer	employer	NOUN
fsr-4009	320	16	-	-	PUNCT
fsr-4009	320	17	sponsored	sponsor	VERB
fsr-4009	320	18	retirement	retirement	NOUN
fsr-4009	320	19	savings	saving	NOUN
fsr-4009	320	20	plans	plan	NOUN
fsr-4009	320	21	for	for	ADP
fsr-4009	320	22	both	both	CCONJ
fsr-4009	320	23	male	male	ADJ
fsr-4009	320	24	and	and	CCONJ
fsr-4009	320	25	female	female	ADJ
fsr-4009	320	26	subsamples	subsample	NOUN
fsr-4009	320	27	.	.	PUNCT
fsr-4009	321	1	the	the	DET
fsr-4009	321	2	sensitivity	sensitivity	NOUN
fsr-4009	321	3	analysis	analysis	NOUN
fsr-4009	321	4	results	result	NOUN
fsr-4009	321	5	for	for	ADP
fsr-4009	321	6	the	the	DET
fsr-4009	321	7	control	control	NOUN
fsr-4009	321	8	variables	variable	NOUN
fsr-4009	321	9	are	be	AUX
fsr-4009	321	10	consistent	consistent	ADJ
fsr-4009	321	11	with	with	ADP
fsr-4009	321	12	the	the	DET
fsr-4009	321	13	main	main	ADJ
fsr-4009	321	14	models	model	NOUN
fsr-4009	321	15	for	for	ADP
fsr-4009	321	16	both	both	CCONJ
fsr-4009	321	17	male	male	ADJ
fsr-4009	321	18	and	and	CCONJ
fsr-4009	321	19	female	female	ADJ
fsr-4009	321	20	subsamples	subsample	NOUN
fsr-4009	321	21	.	.	PUNCT
fsr-4009	322	1	table	table	NOUN
fsr-4009	322	2	6	6	NUM
fsr-4009	322	3	shows	show	VERB
fsr-4009	322	4	the	the	DET
fsr-4009	322	5	oaxaca	oaxaca	PROPN
fsr-4009	322	6	decomposition	decomposition	NOUN
fsr-4009	322	7	for	for	ADP
fsr-4009	322	8	the	the	DET
fsr-4009	322	9	full	full	ADJ
fsr-4009	322	10	-	-	PUNCT
fsr-4009	322	11	time	time	NOUN
fsr-4009	322	12	employed	employ	VERB
fsr-4009	322	13	subsample	subsample	NOUN
fsr-4009	322	14	.	.	PUNCT
fsr-4009	323	1	the	the	DET
fsr-4009	323	2	results	result	NOUN
fsr-4009	323	3	of	of	ADP
fsr-4009	323	4	the	the	DET
fsr-4009	323	5	sensitivity	sensitivity	NOUN
fsr-4009	323	6	analysis	analysis	NOUN
fsr-4009	323	7	are	be	AUX
fsr-4009	323	8	consistent	consistent	ADJ
fsr-4009	323	9	with	with	ADP
fsr-4009	323	10	the	the	DET
fsr-4009	323	11	main	main	ADJ
fsr-4009	323	12	models	model	NOUN
fsr-4009	323	13	.	.	PUNCT
fsr-4009	324	1	table	table	NOUN
fsr-4009	324	2	6	6	NUM
fsr-4009	324	3	shows	show	VERB
fsr-4009	324	4	that	that	SCONJ
fsr-4009	324	5	females	female	NOUN
fsr-4009	324	6	'	'	PART
fsr-4009	324	7	participation	participation	NOUN
fsr-4009	324	8	in	in	ADP
fsr-4009	324	9	employer	employer	NOUN
fsr-4009	324	10	-	-	PUNCT
fsr-4009	324	11	sponsored	sponsor	VERB
fsr-4009	324	12	retirement	retirement	NOUN
fsr-4009	324	13	plans	plan	NOUN
fsr-4009	324	14	is	be	AUX
fsr-4009	324	15	2.07	2.07	NUM
fsr-4009	324	16	percentage	percentage	NOUN
fsr-4009	324	17	points	point	NOUN
fsr-4009	324	18	higher	high	ADJ
fsr-4009	324	19	than	than	ADP
fsr-4009	324	20	males	male	NOUN
fsr-4009	324	21	.	.	PUNCT
fsr-4009	325	1	the	the	DET
fsr-4009	325	2	portion	portion	NOUN
fsr-4009	325	3	of	of	ADP
fsr-4009	325	4	the	the	DET
fsr-4009	325	5	gender	gender	NOUN
fsr-4009	325	6	gap	gap	NOUN
fsr-4009	325	7	in	in	ADP
fsr-4009	325	8	participation	participation	NOUN
fsr-4009	325	9	in	in	ADP
fsr-4009	325	10	employersponsored	employersponsored	ADJ
fsr-4009	325	11	plans	plan	NOUN
fsr-4009	325	12	explained	explain	VERB
fsr-4009	325	13	by	by	ADP
fsr-4009	325	14	differences	difference	NOUN
fsr-4009	325	15	in	in	ADP
fsr-4009	325	16	financial	financial	ADJ
fsr-4009	325	17	literacy	literacy	NOUN
fsr-4009	325	18	is	be	AUX
fsr-4009	325	19	-101.81	-101.81	PROPN
fsr-4009	325	20	%	%	NOUN
fsr-4009	325	21	and	and	CCONJ
fsr-4009	325	22	the	the	DET
fsr-4009	325	23	portion	portion	NOUN
fsr-4009	325	24	due	due	ADP
fsr-4009	325	25	to	to	ADP
fsr-4009	325	26	differences	difference	NOUN
fsr-4009	325	27	in	in	ADP
fsr-4009	325	28	return	return	NOUN
fsr-4009	325	29	to	to	ADP
fsr-4009	325	30	financial	financial	ADJ
fsr-4009	325	31	literacy	literacy	NOUN
fsr-4009	325	32	is	be	AUX
fsr-4009	325	33	121.46	121.46	NUM
fsr-4009	325	34	%	%	NOUN
fsr-4009	325	35	.	.	PUNCT
fsr-4009	326	1	financial	financial	ADJ
fsr-4009	326	2	services	service	NOUN
fsr-4009	326	3	review	review	PROPN
fsr-4009	326	4	,	,	PUNCT
fsr-4009	326	5	33(2	33(2	NUM
fsr-4009	326	6	)	)	PUNCT
fsr-4009	326	7	158	158	NUM
fsr-4009	326	8	table	table	NOUN
fsr-4009	326	9	5	5	NUM
fsr-4009	326	10	.	.	PUNCT
fsr-4009	326	11	effects	effect	NOUN
fsr-4009	326	12	of	of	ADP
fsr-4009	326	13	financial	financial	ADJ
fsr-4009	326	14	literacy	literacy	NOUN
fsr-4009	326	15	and	and	CCONJ
fsr-4009	326	16	other	other	ADJ
fsr-4009	326	17	explanatory	explanatory	ADJ
fsr-4009	326	18	variables	variable	NOUN
fsr-4009	326	19	on	on	ADP
fsr-4009	326	20	employer	employer	NOUN
fsr-4009	326	21	-	-	PUNCT
fsr-4009	326	22	sponsored	sponsor	VERB
fsr-4009	326	23	retirement	retirement	NOUN
fsr-4009	326	24	plan	plan	NOUN
fsr-4009	326	25	participation	participation	NOUN
fsr-4009	326	26	:	:	PUNCT
fsr-4009	326	27	linear	linear	ADJ
fsr-4009	326	28	probability	probability	NOUN
fsr-4009	326	29	model	model	NOUN
fsr-4009	326	30	(	(	PUNCT
fsr-4009	326	31	sensitivity	sensitivity	NOUN
fsr-4009	326	32	modelfull	modelfull	ADJ
fsr-4009	326	33	-	-	PUNCT
fsr-4009	326	34	time	time	NOUN
fsr-4009	326	35	employed	employ	VERB
fsr-4009	326	36	subsample	subsample	NOUN
fsr-4009	326	37	)	)	PUNCT
fsr-4009	326	38	.	.	PUNCT
fsr-4009	327	1	a.	a.	PROPN
fsr-4009	327	2	male	male	PROPN
fsr-4009	327	3	b.	b.	PROPN
fsr-4009	327	4	female	female	PROPN
fsr-4009	327	5	coef	coef	PROPN
fsr-4009	327	6	.	.	PUNCT
fsr-4009	328	1	robust	robust	ADJ
fsr-4009	328	2	std	std	NOUN
fsr-4009	328	3	.	.	PUNCT
fsr-4009	329	1	err	err	NOUN
fsr-4009	329	2	.	.	PUNCT
fsr-4009	330	1	p	p	NOUN
fsr-4009	330	2	value	value	NOUN
fsr-4009	330	3	coef	coef	NOUN
fsr-4009	330	4	.	.	PUNCT
fsr-4009	331	1	robust	robust	ADJ
fsr-4009	331	2	std	std	NOUN
fsr-4009	331	3	.	.	PUNCT
fsr-4009	332	1	err	err	NOUN
fsr-4009	332	2	.	.	PUNCT
fsr-4009	333	1	p	p	NOUN
fsr-4009	333	2	value	value	NOUN
fsr-4009	333	3	objective	objective	ADJ
fsr-4009	333	4	financial	financial	ADJ
fsr-4009	333	5	knowledge	knowledge	NOUN
fsr-4009	333	6	0.0360	0.0360	NUM
fsr-4009	333	7	*	*	PUNCT
fsr-4009	333	8	*	*	PUNCT
fsr-4009	333	9	*	*	X
fsr-4009	333	10	0.0073	0.0073	NUM
fsr-4009	333	11	0.0000	0.0000	NUM
fsr-4009	333	12	0.0248	0.0248	NUM
fsr-4009	333	13	*	*	PUNCT
fsr-4009	333	14	*	*	PUNCT
fsr-4009	333	15	*	*	PUNCT
fsr-4009	333	16	0.0078	0.0078	NUM
fsr-4009	333	17	0.0010	0.0010	NUM
fsr-4009	333	18	white	white	ADJ
fsr-4009	333	19	-0.0486	-0.0486	PROPN
fsr-4009	333	20	*	*	PUNCT
fsr-4009	333	21	*	*	PUNCT
fsr-4009	334	1	0.0230	0.0230	NUM
fsr-4009	334	2	0.0350	0.0350	NUM
fsr-4009	334	3	-0.0275	-0.0275	ADJ
fsr-4009	334	4	0.0236	0.0236	NUM
fsr-4009	334	5	0.2440	0.2440	NUM
fsr-4009	334	6	homeownership	homeownership	NOUN
fsr-4009	334	7	0.1059	0.1059	NUM
fsr-4009	334	8	*	*	PUNCT
fsr-4009	334	9	*	*	PUNCT
fsr-4009	334	10	*	*	PUNCT
fsr-4009	334	11	0.0237	0.0237	NUM
fsr-4009	334	12	0.0000	0.0000	NUM
fsr-4009	334	13	0.1116	0.1116	NUM
fsr-4009	334	14	*	*	PUNCT
fsr-4009	334	15	*	*	PUNCT
fsr-4009	334	16	*	*	X
fsr-4009	334	17	0.0247	0.0247	NUM
fsr-4009	334	18	0.0000	0.0000	NUM
fsr-4009	334	19	versus	versus	ADP
fsr-4009	334	20	(	(	PUNCT
fsr-4009	334	21	risk	risk	NOUN
fsr-4009	334	22	tolerance	tolerance	NOUN
fsr-4009	334	23	–	–	PUNCT
fsr-4009	334	24	low	low	ADJ
fsr-4009	334	25	)	)	PUNCT
fsr-4009	334	26	risk	risk	NOUN
fsr-4009	334	27	tolerance	tolerance	NOUN
fsr-4009	334	28	–	–	PUNCT
fsr-4009	334	29	medium	medium	NOUN
fsr-4009	334	30	0.0417	0.0417	NUM
fsr-4009	334	31	0.0329	0.0329	NUM
fsr-4009	334	32	0.2060	0.2060	NUM
fsr-4009	334	33	0.0387	0.0387	NUM
fsr-4009	334	34	0.0269	0.0269	NUM
fsr-4009	334	35	0.1500	0.1500	NUM
fsr-4009	334	36	risk	risk	NOUN
fsr-4009	334	37	tolerance	tolerance	NOUN
fsr-4009	334	38	–	–	PUNCT
fsr-4009	334	39	high	high	ADV
fsr-4009	334	40	0.0774	0.0774	NUM
fsr-4009	334	41	*	*	PUNCT
fsr-4009	334	42	*	*	PUNCT
fsr-4009	335	1	0.0352	0.0352	NUM
fsr-4009	335	2	0.0280	0.0280	NUM
fsr-4009	335	3	0.0248	0.0248	NUM
fsr-4009	335	4	0.0356	0.0356	NUM
fsr-4009	335	5	0.4860	0.4860	NUM
fsr-4009	335	6	versus	versus	ADP
fsr-4009	335	7	(	(	PUNCT
fsr-4009	335	8	age	age	NOUN
fsr-4009	335	9	18	18	NUM
fsr-4009	335	10	-	-	SYM
fsr-4009	335	11	24	24	NUM
fsr-4009	335	12	)	)	PUNCT
fsr-4009	335	13	25	25	NUM
fsr-4009	335	14	-	-	SYM
fsr-4009	335	15	34	34	NUM
fsr-4009	335	16	0.0423	0.0423	NUM
fsr-4009	335	17	0.0329	0.0329	NUM
fsr-4009	335	18	0.1990	0.1990	NUM
fsr-4009	335	19	0.1112	0.1112	NUM
fsr-4009	335	20	*	*	PUNCT
fsr-4009	335	21	*	*	PUNCT
fsr-4009	335	22	*	*	PUNCT
fsr-4009	335	23	0.0328	0.0328	NUM
fsr-4009	335	24	0.0010	0.0010	NUM
fsr-4009	335	25	35	35	NUM
fsr-4009	335	26	-	-	SYM
fsr-4009	335	27	44	44	NUM
fsr-4009	335	28	0.0530	0.0530	NUM
fsr-4009	335	29	0.0371	0.0371	NUM
fsr-4009	335	30	0.1530	0.1530	NUM
fsr-4009	335	31	0.1142	0.1142	NUM
fsr-4009	335	32	*	*	PUNCT
fsr-4009	335	33	*	*	PUNCT
fsr-4009	335	34	*	*	PUNCT
fsr-4009	335	35	0.0373	0.0373	NUM
fsr-4009	335	36	0.0020	0.0020	NUM
fsr-4009	335	37	45	45	NUM
fsr-4009	335	38	-	-	SYM
fsr-4009	335	39	54	54	NUM
fsr-4009	335	40	0.0695	0.0695	NUM
fsr-4009	335	41	*	*	NOUN
fsr-4009	335	42	0.0390	0.0390	NUM
fsr-4009	335	43	0.0750	0.0750	NUM
fsr-4009	335	44	0.1037	0.1037	NUM
fsr-4009	335	45	*	*	PUNCT
fsr-4009	335	46	*	*	NOUN
fsr-4009	335	47	0.0420	0.0420	NUM
fsr-4009	335	48	0.0140	0.0140	NUM
fsr-4009	335	49	55	55	NUM
fsr-4009	335	50	-	-	SYM
fsr-4009	335	51	64	64	NUM
fsr-4009	335	52	0.0431	0.0431	NUM
fsr-4009	335	53	0.0473	0.0473	NUM
fsr-4009	335	54	0.3620	0.3620	NUM
fsr-4009	335	55	0.1851	0.1851	NUM
fsr-4009	335	56	*	*	PUNCT
fsr-4009	335	57	*	*	PUNCT
fsr-4009	335	58	*	*	PUNCT
fsr-4009	335	59	0.0458	0.0458	NUM
fsr-4009	335	60	0.0000	0.0000	NUM
fsr-4009	335	61	65	65	NUM
fsr-4009	335	62	+	+	NUM
fsr-4009	335	63	0.2115	0.2115	NUM
fsr-4009	335	64	*	*	PUNCT
fsr-4009	335	65	*	*	PUNCT
fsr-4009	335	66	*	*	PUNCT
fsr-4009	335	67	0.0774	0.0774	NUM
fsr-4009	335	68	0.0060	0.0060	NUM
fsr-4009	335	69	-0.2853	-0.2853	NOUN
fsr-4009	335	70	*	*	PUNCT
fsr-4009	335	71	*	*	PUNCT
fsr-4009	336	1	0.1384	0.1384	NUM
fsr-4009	336	2	0.0390	0.0390	NUM
fsr-4009	336	3	versus	versus	ADP
fsr-4009	336	4	(	(	PUNCT
fsr-4009	336	5	income	income	NOUN
fsr-4009	336	6	less	less	ADJ
fsr-4009	336	7	than	than	ADP
fsr-4009	336	8	$	$	SYM
fsr-4009	336	9	50,000	50,000	NUM
fsr-4009	336	10	)	)	PUNCT
fsr-4009	336	11	$	$	SYM
fsr-4009	336	12	50,000	50,000	NUM
fsr-4009	336	13	to	to	PART
fsr-4009	336	14	$	$	SYM
fsr-4009	336	15	75,000	75,000	NUM
fsr-4009	336	16	0.1696	0.1696	NUM
fsr-4009	336	17	*	*	PUNCT
fsr-4009	336	18	*	*	PUNCT
fsr-4009	336	19	*	*	PUNCT
fsr-4009	336	20	0.0291	0.0291	NUM
fsr-4009	336	21	0.0000	0.0000	NUM
fsr-4009	336	22	0.1419	0.1419	NUM
fsr-4009	336	23	*	*	PUNCT
fsr-4009	336	24	*	*	PUNCT
fsr-4009	336	25	*	*	PUNCT
fsr-4009	336	26	0.0299	0.0299	NUM
fsr-4009	336	27	0.0000	0.0000	NUM
fsr-4009	336	28	$	$	SYM
fsr-4009	336	29	75,000	75,000	NUM
fsr-4009	336	30	to	to	PART
fsr-4009	336	31	$	$	SYM
fsr-4009	336	32	100,000	100,000	NUM
fsr-4009	336	33	0.1868	0.1868	NUM
fsr-4009	336	34	*	*	PUNCT
fsr-4009	336	35	*	*	PUNCT
fsr-4009	336	36	*	*	PUNCT
fsr-4009	336	37	0.0344	0.0344	NUM
fsr-4009	336	38	0.0000	0.0000	NUM
fsr-4009	336	39	0.1610	0.1610	NUM
fsr-4009	336	40	*	*	PUNCT
fsr-4009	336	41	*	*	PUNCT
fsr-4009	336	42	*	*	PUNCT
fsr-4009	336	43	0.0353	0.0353	NUM
fsr-4009	336	44	0.0000	0.0000	NUM
fsr-4009	336	45	$	$	SYM
fsr-4009	336	46	100,000	100,000	NUM
fsr-4009	336	47	to	to	PART
fsr-4009	336	48	$	$	SYM
fsr-4009	336	49	150,000	150,000	NUM
fsr-4009	336	50	0.2103	0.2103	NUM
fsr-4009	336	51	*	*	PUNCT
fsr-4009	336	52	*	*	PUNCT
fsr-4009	336	53	*	*	PUNCT
fsr-4009	336	54	0.0390	0.0390	NUM
fsr-4009	336	55	0.0000	0.0000	NUM
fsr-4009	336	56	0.1386	0.1386	NUM
fsr-4009	336	57	*	*	PUNCT
fsr-4009	336	58	*	*	PUNCT
fsr-4009	336	59	*	*	PUNCT
fsr-4009	336	60	0.0385	0.0385	NUM
fsr-4009	336	61	0.0000	0.0000	NUM
fsr-4009	336	62	$	$	SYM
fsr-4009	336	63	150,000	150,000	NUM
fsr-4009	336	64	to	to	PART
fsr-4009	336	65	$	$	SYM
fsr-4009	336	66	200,000	200,000	NUM
fsr-4009	336	67	0.2752	0.2752	NUM
fsr-4009	336	68	*	*	PUNCT
fsr-4009	336	69	*	*	PUNCT
fsr-4009	336	70	*	*	PUNCT
fsr-4009	336	71	0.0491	0.0491	NUM
fsr-4009	336	72	0.0000	0.0000	NUM
fsr-4009	336	73	0.2888	0.2888	NUM
fsr-4009	336	74	*	*	PUNCT
fsr-4009	336	75	*	*	PUNCT
fsr-4009	336	76	*	*	PUNCT
fsr-4009	336	77	0.0435	0.0435	NUM
fsr-4009	336	78	0.0000	0.0000	NUM
fsr-4009	336	79	$	$	SYM
fsr-4009	336	80	200,000	200,000	NUM
fsr-4009	336	81	to	to	PART
fsr-4009	336	82	$	$	SYM
fsr-4009	336	83	300,000	300,000	NUM
fsr-4009	336	84	0.1330	0.1330	NUM
fsr-4009	336	85	0.0949	0.0949	NUM
fsr-4009	336	86	0.1610	0.1610	NUM
fsr-4009	336	87	0.2273	0.2273	NUM
fsr-4009	336	88	*	*	PUNCT
fsr-4009	336	89	*	*	PUNCT
fsr-4009	336	90	*	*	PUNCT
fsr-4009	336	91	0.0689	0.0689	NUM
fsr-4009	336	92	0.0010	0.0010	NUM
fsr-4009	336	93	more	more	ADJ
fsr-4009	336	94	than	than	ADP
fsr-4009	336	95	$	$	SYM
fsr-4009	336	96	300,000	300,000	NUM
fsr-4009	336	97	0.3248	0.3248	NUM
fsr-4009	336	98	*	*	PUNCT
fsr-4009	336	99	*	*	PUNCT
fsr-4009	336	100	*	*	X
fsr-4009	336	101	0.0409	0.0409	NUM
fsr-4009	336	102	0.0000	0.0000	NUM
fsr-4009	336	103	-0.0014	-0.0014	NOUN
fsr-4009	336	104	0.1403	0.1403	NUM
fsr-4009	336	105	0.9920	0.9920	NUM
fsr-4009	336	106	versus	versus	ADP
fsr-4009	336	107	(	(	PUNCT
fsr-4009	336	108	education	education	NOUN
fsr-4009	336	109	level	level	NOUN
fsr-4009	336	110	high	high	ADJ
fsr-4009	336	111	school	school	NOUN
fsr-4009	336	112	or	or	CCONJ
fsr-4009	336	113	less	less	ADJ
fsr-4009	336	114	)	)	PUNCT
fsr-4009	337	1	some	some	DET
fsr-4009	337	2	college	college	NOUN
fsr-4009	337	3	0.0512	0.0512	NUM
fsr-4009	337	4	0.0331	0.0331	NUM
fsr-4009	337	5	0.1220	0.1220	NUM
fsr-4009	337	6	0.1024	0.1024	NUM
fsr-4009	337	7	*	*	PUNCT
fsr-4009	337	8	*	*	PUNCT
fsr-4009	337	9	*	*	PUNCT
fsr-4009	337	10	0.0371	0.0371	NUM
fsr-4009	337	11	0.0060	0.0060	NUM
fsr-4009	337	12	associate	associate	NOUN
fsr-4009	337	13	degree	degree	NOUN
fsr-4009	337	14	0.0657	0.0657	NUM
fsr-4009	337	15	0.0431	0.0431	NUM
fsr-4009	337	16	0.1280	0.1280	NUM
fsr-4009	337	17	0.0838	0.0838	NUM
fsr-4009	337	18	*	*	PUNCT
fsr-4009	337	19	0.0458	0.0458	NUM
fsr-4009	337	20	0.0680	0.0680	NUM
fsr-4009	337	21	ahmmed	ahmmed	ADJ
fsr-4009	337	22	et	et	PROPN
fsr-4009	337	23	al	al	PROPN
fsr-4009	337	24	.	.	PROPN
fsr-4009	337	25	159	159	NUM
fsr-4009	337	26	bachelor	bachelor	PROPN
fsr-4009	337	27	’s	’s	NOUN
fsr-4009	337	28	degree	degree	NOUN
fsr-4009	337	29	0.1156	0.1156	NOUN
fsr-4009	337	30	*	*	PUNCT
fsr-4009	337	31	*	*	PUNCT
fsr-4009	337	32	*	*	PUNCT
fsr-4009	337	33	0.0326	0.0326	NUM
fsr-4009	337	34	0.0000	0.0000	NUM
fsr-4009	337	35	0.1949	0.1949	NUM
fsr-4009	337	36	*	*	PUNCT
fsr-4009	337	37	*	*	PUNCT
fsr-4009	337	38	*	*	PUNCT
fsr-4009	337	39	0.0356	0.0356	NUM
fsr-4009	337	40	0.0000	0.0000	NUM
fsr-4009	337	41	postgraduate	postgraduate	NOUN
fsr-4009	337	42	degree	degree	NOUN
fsr-4009	337	43	0.0956	0.0956	PRON
fsr-4009	337	44	*	*	PUNCT
fsr-4009	337	45	*	*	PUNCT
fsr-4009	337	46	0.0465	0.0465	NUM
fsr-4009	337	47	0.0400	0.0400	NUM
fsr-4009	337	48	0.2238	0.2238	NUM
fsr-4009	337	49	*	*	PUNCT
fsr-4009	337	50	*	*	PUNCT
fsr-4009	337	51	*	*	PUNCT
fsr-4009	337	52	0.0397	0.0397	NUM
fsr-4009	337	53	0.0000	0.0000	NUM
fsr-4009	337	54	constant	constant	ADJ
fsr-4009	337	55	0.2553	0.2553	NUM
fsr-4009	337	56	*	*	PUNCT
fsr-4009	337	57	*	*	PUNCT
fsr-4009	337	58	*	*	PUNCT
fsr-4009	337	59	0.0420	0.0420	NUM
fsr-4009	337	60	0.0000	0.0000	NUM
fsr-4009	337	61	0.2716	0.2716	NUM
fsr-4009	337	62	*	*	PUNCT
fsr-4009	337	63	*	*	PUNCT
fsr-4009	337	64	*	*	PUNCT
fsr-4009	337	65	0.0408	0.0408	NUM
fsr-4009	337	66	0.0000	0.0000	NUM
fsr-4009	337	67	number	number	NOUN
fsr-4009	337	68	of	of	ADP
fsr-4009	337	69	observations	observation	NOUN
fsr-4009	337	70	1694	1694	NUM
fsr-4009	337	71	1516	1516	NUM
fsr-4009	337	72	notes	note	NOUN
fsr-4009	337	73	:	:	PUNCT
fsr-4009	337	74	this	this	DET
fsr-4009	337	75	analysis	analysis	NOUN
fsr-4009	337	76	uses	use	VERB
fsr-4009	337	77	data	datum	NOUN
fsr-4009	337	78	from	from	ADP
fsr-4009	337	79	the	the	DET
fsr-4009	337	80	finra	finra	PROPN
fsr-4009	337	81	foundation	foundation	PROPN
fsr-4009	337	82	2021	2021	NUM
fsr-4009	337	83	nfcs	nfc	VERB
fsr-4009	337	84	state	state	NOUN
fsr-4009	337	85	-	-	PUNCT
fsr-4009	337	86	by	by	ADP
fsr-4009	337	87	-	-	PUNCT
fsr-4009	337	88	state	state	NOUN
fsr-4009	337	89	dataset	dataset	NOUN
fsr-4009	337	90	.	.	PUNCT
fsr-4009	338	1	coefficient	coefficient	NOUN
fsr-4009	338	2	values	value	NOUN
fsr-4009	338	3	are	be	AUX
fsr-4009	338	4	shown	show	VERB
fsr-4009	338	5	alongside	alongside	ADP
fsr-4009	338	6	the	the	DET
fsr-4009	338	7	robust	robust	ADJ
fsr-4009	338	8	standard	standard	ADJ
fsr-4009	338	9	errors	error	NOUN
fsr-4009	338	10	.	.	PUNCT
fsr-4009	339	1	survey	survey	NOUN
fsr-4009	339	2	weights	weight	NOUN
fsr-4009	339	3	are	be	AUX
fsr-4009	339	4	applied	apply	VERB
fsr-4009	339	5	.	.	PUNCT
fsr-4009	340	1	*	*	PUNCT
fsr-4009	340	2	*	*	PUNCT
fsr-4009	340	3	*	*	PUNCT
fsr-4009	340	4	indicates	indicate	VERB
fsr-4009	340	5	significance	significance	NOUN
fsr-4009	340	6	at	at	ADP
fsr-4009	340	7	the	the	DET
fsr-4009	340	8	1	1	NUM
fsr-4009	340	9	%	%	NOUN
fsr-4009	340	10	level	level	NOUN
fsr-4009	340	11	;	;	PUNCT
fsr-4009	340	12	*	*	PUNCT
fsr-4009	340	13	*	*	PUNCT
fsr-4009	340	14	indicates	indicate	VERB
fsr-4009	340	15	significance	significance	NOUN
fsr-4009	340	16	at	at	ADP
fsr-4009	340	17	the	the	DET
fsr-4009	340	18	5	5	NUM
fsr-4009	340	19	%	%	NOUN
fsr-4009	340	20	level	level	NOUN
fsr-4009	340	21	;	;	PUNCT
fsr-4009	340	22	*	*	VERB
fsr-4009	340	23	indicates	indicate	VERB
fsr-4009	340	24	significance	significance	NOUN
fsr-4009	340	25	at	at	ADP
fsr-4009	340	26	the	the	DET
fsr-4009	340	27	10	10	NUM
fsr-4009	340	28	%	%	NOUN
fsr-4009	340	29	level	level	NOUN
fsr-4009	340	30	.	.	PUNCT
fsr-4009	341	1	table	table	NOUN
fsr-4009	341	2	6	6	NUM
fsr-4009	341	3	.	.	PUNCT
fsr-4009	342	1	results	result	NOUN
fsr-4009	342	2	from	from	ADP
fsr-4009	342	3	oaxaca	oaxaca	PROPN
fsr-4009	342	4	decomposition	decomposition	NOUN
fsr-4009	342	5	(	(	PUNCT
fsr-4009	342	6	sensitivity	sensitivity	NOUN
fsr-4009	342	7	modelfull	modelfull	ADJ
fsr-4009	342	8	-	-	PUNCT
fsr-4009	342	9	time	time	NOUN
fsr-4009	342	10	employed	employ	VERB
fsr-4009	342	11	subsample	subsample	NOUN
fsr-4009	342	12	)	)	PUNCT
fsr-4009	342	13	a	a	DET
fsr-4009	342	14	b	b	NOUN
fsr-4009	342	15	explained	explain	VERB
fsr-4009	342	16	%	%	NOUN
fsr-4009	342	17	explained	explain	VERB
fsr-4009	342	18	unexplained	unexplained	ADJ
fsr-4009	342	19	%	%	NOUN
fsr-4009	342	20	unexplained	unexplained	ADJ
fsr-4009	342	21	objective	objective	ADJ
fsr-4009	342	22	financial	financial	ADJ
fsr-4009	342	23	knowledge	knowledge	NOUN
fsr-4009	342	24	-0.0211	-0.0211	PUNCT
fsr-4009	343	1	-101.8102	-101.8102	ADP
fsr-4009	343	2	-0.0252	-0.0252	ADJ
fsr-4009	343	3	-121.4590	-121.4590	NUM
fsr-4009	343	4	white	white	ADJ
fsr-4009	343	5	0.0000	0.0000	NUM
fsr-4009	343	6	0.2254	0.2254	NUM
fsr-4009	343	7	0.0001	0.0001	NUM
fsr-4009	343	8	0.6493	0.6493	NUM
fsr-4009	343	9	homeownership	homeownership	NOUN
fsr-4009	343	10	-0.0050	-0.0050	NOUN
fsr-4009	343	11	-24.2819	-24.2819	PUNCT
fsr-4009	343	12	-0.0001	-0.0001	NOUN
fsr-4009	343	13	-0.5460	-0.5460	PROPN
fsr-4009	343	14	risk	risk	NOUN
fsr-4009	343	15	tolerance	tolerance	NOUN
fsr-4009	343	16	–	–	PUNCT
fsr-4009	343	17	medium	medium	NOUN
fsr-4009	343	18	0.0009	0.0009	NUM
fsr-4009	343	19	4.2538	4.2538	NUM
fsr-4009	343	20	0.0073	0.0073	NUM
fsr-4009	343	21	35.0394	35.0394	NUM
fsr-4009	343	22	risk	risk	NOUN
fsr-4009	343	23	tolerance	tolerance	NOUN
fsr-4009	343	24	–	–	PUNCT
fsr-4009	343	25	high	high	ADJ
fsr-4009	343	26	-0.0080	-0.0080	NOUN
fsr-4009	343	27	-38.6024	-38.6024	NUM
fsr-4009	343	28	-0.0122	-0.0122	PROPN
fsr-4009	343	29	-58.8469	-58.8469	NUM
fsr-4009	343	30	25	25	NUM
fsr-4009	343	31	-	-	SYM
fsr-4009	343	32	34	34	NUM
fsr-4009	343	33	-0.0001	-0.0001	NOUN
fsr-4009	343	34	-0.5706	-0.5706	X
fsr-4009	344	1	0.0288	0.0288	NUM
fsr-4009	344	2	139.0441	139.0441	NUM
fsr-4009	344	3	35	35	NUM
fsr-4009	344	4	-	-	SYM
fsr-4009	344	5	44	44	NUM
fsr-4009	344	6	0.0009	0.0009	NUM
fsr-4009	344	7	4.1254	4.1254	NUM
fsr-4009	344	8	0.0183	0.0183	NUM
fsr-4009	344	9	88.2032	88.2032	NUM
fsr-4009	344	10	45	45	NUM
fsr-4009	344	11	-	-	SYM
fsr-4009	344	12	54	54	NUM
fsr-4009	344	13	-0.0015	-0.0015	NOUN
fsr-4009	344	14	-7.1897	-7.1897	NOUN
fsr-4009	344	15	0.0089	0.0089	NUM
fsr-4009	344	16	43.0729	43.0729	NUM
fsr-4009	344	17	55	55	NUM
fsr-4009	344	18	-	-	SYM
fsr-4009	344	19	64	64	NUM
fsr-4009	344	20	-0.0004	-0.0004	NOUN
fsr-4009	344	21	-1.8590	-1.8590	NOUN
fsr-4009	345	1	0.0109	0.0109	NUM
fsr-4009	345	2	52.6468	52.6468	NUM
fsr-4009	345	3	65	65	NUM
fsr-4009	345	4	+	+	NUM
fsr-4009	345	5	-0.0004	-0.0004	NOUN
fsr-4009	345	6	-1.9854	-1.9854	NOUN
fsr-4009	345	7	-0.0043	-0.0043	NOUN
fsr-4009	345	8	-20.8126	-20.8126	PUNCT
fsr-4009	345	9	$	$	SYM
fsr-4009	345	10	50,000	50,000	NUM
fsr-4009	345	11	to	to	PART
fsr-4009	345	12	$	$	SYM
fsr-4009	345	13	75,000	75,000	NUM
fsr-4009	345	14	-0.0049	-0.0049	NOUN
fsr-4009	345	15	-23.4613	-23.4613	PUNCT
fsr-4009	345	16	-0.0021	-0.0021	NOUN
fsr-4009	345	17	-9.8992	-9.8992	PROPN
fsr-4009	345	18	$	$	SYM
fsr-4009	345	19	75,000	75,000	NUM
fsr-4009	345	20	to	to	PART
fsr-4009	345	21	$	$	SYM
fsr-4009	345	22	100,000	100,000	NUM
fsr-4009	345	23	-0.0022	-0.0022	NOUN
fsr-4009	345	24	-10.7782	-10.7782	PUNCT
fsr-4009	345	25	-0.0029	-0.0029	PROPN
fsr-4009	345	26	-14.1192	-14.1192	PUNCT
fsr-4009	345	27	$	$	SYM
fsr-4009	345	28	100,000	100,000	NUM
fsr-4009	345	29	to	to	PART
fsr-4009	345	30	$	$	SYM
fsr-4009	345	31	150,000	150,000	NUM
fsr-4009	345	32	0.0008	0.0008	NUM
fsr-4009	345	33	3.7146	3.7146	NUM
fsr-4009	345	34	-0.0060	-0.0060	NOUN
fsr-4009	345	35	-28.7940	-28.7940	PUNCT
fsr-4009	345	36	$	$	SYM
fsr-4009	345	37	150,000	150,000	NUM
fsr-4009	345	38	to	to	PART
fsr-4009	345	39	$	$	SYM
fsr-4009	345	40	200,000	200,000	NUM
fsr-4009	345	41	-0.0022	-0.0022	NOUN
fsr-4009	345	42	-10.7179	-10.7179	PUNCT
fsr-4009	345	43	0.0004	0.0004	NUM
fsr-4009	345	44	1.8648	1.8648	NUM
fsr-4009	345	45	$	$	SYM
fsr-4009	345	46	200,000	200,000	NUM
fsr-4009	345	47	to	to	PART
fsr-4009	345	48	$	$	SYM
fsr-4009	345	49	300,000	300,000	NUM
fsr-4009	345	50	-0.0002	-0.0002	NOUN
fsr-4009	345	51	-0.9428	-0.9428	NOUN
fsr-4009	346	1	0.0023	0.0023	NUM
fsr-4009	346	2	11.1890	11.1890	NUM
fsr-4009	346	3	more	more	ADJ
fsr-4009	346	4	than	than	ADP
fsr-4009	346	5	$	$	SYM
fsr-4009	346	6	300,000	300,000	NUM
fsr-4009	346	7	-0.0002	-0.0002	NOUN
fsr-4009	346	8	-1.0939	-1.0939	NOUN
fsr-4009	346	9	-0.0015	-0.0015	PROPN
fsr-4009	346	10	-7.3186	-7.3186	VERB
fsr-4009	347	1	some	some	DET
fsr-4009	347	2	college	college	NOUN
fsr-4009	347	3	-0.0005	-0.0005	NOUN
fsr-4009	347	4	-2.4918	-2.4918	NOUN
fsr-4009	348	1	0.0130	0.0130	NUM
fsr-4009	348	2	62.9283	62.9283	NUM
fsr-4009	348	3	associate	associate	NOUN
fsr-4009	348	4	degree	degree	NOUN
fsr-4009	348	5	0.0004	0.0004	NUM
fsr-4009	348	6	2.1143	2.1143	NUM
fsr-4009	348	7	0.0067	0.0067	NUM
fsr-4009	348	8	32.3840	32.3840	NUM
fsr-4009	348	9	bachelor	bachelor	NOUN
fsr-4009	348	10	’s	’s	PART
fsr-4009	348	11	degree	degree	NOUN
fsr-4009	348	12	0.0007	0.0007	NUM
fsr-4009	348	13	3.5466	3.5466	NUM
fsr-4009	348	14	0.0249	0.0249	NUM
fsr-4009	348	15	120.1817	120.1817	NUM
fsr-4009	348	16	postgraduate	postgraduate	NOUN
fsr-4009	348	17	degree	degree	NOUN
fsr-4009	348	18	0.0091	0.0091	NUM
fsr-4009	348	19	43.7280	43.7280	NUM
fsr-4009	348	20	0.0118	0.0118	NUM
fsr-4009	348	21	56.8151	56.8151	NUM
fsr-4009	348	22	constant	constant	ADJ
fsr-4009	348	23	-0.0245	-0.0245	ADJ
fsr-4009	348	24	-118.1456	-118.1456	ADJ
fsr-4009	348	25	financial	financial	ADJ
fsr-4009	348	26	services	service	NOUN
fsr-4009	348	27	review	review	NOUN
fsr-4009	348	28	,	,	PUNCT
fsr-4009	348	29	33(2	33(2	NUM
fsr-4009	348	30	)	)	PUNCT
fsr-4009	348	31	160	160	NUM
fsr-4009	348	32	total	total	NOUN
fsr-4009	348	33	explained	explain	VERB
fsr-4009	348	34	&	&	CCONJ
fsr-4009	348	35	unexplained	unexplained	ADJ
fsr-4009	348	36	-0.0340	-0.0340	NOUN
fsr-4009	348	37	-164.0772	-164.0772	NUM
fsr-4009	349	1	0.0547	0.0547	NUM
fsr-4009	349	2	264.0777	264.0777	NUM
fsr-4009	349	3	total	total	ADJ
fsr-4009	349	4	gap	gap	NOUN
fsr-4009	349	5	-0.0340	-0.0340	NOUN
fsr-4009	350	1	+	+	CCONJ
fsr-4009	350	2	0.0547	0.0547	NUM
fsr-4009	350	3	=	=	SYM
fsr-4009	350	4	0.0207	0.0207	NUM
fsr-4009	350	5	%	%	NOUN
fsr-4009	350	6	explained	explain	VERB
fsr-4009	350	7	(	(	PUNCT
fsr-4009	350	8	-0.0340/	-0.0340/	NOUN
fsr-4009	350	9	0.0207)*100	0.0207)*100	NOUN
fsr-4009	351	1	=	=	SYM
fsr-4009	351	2	-164.0772	-164.0772	NUM
fsr-4009	351	3	%	%	NOUN
fsr-4009	351	4	unexplained	unexplained	ADJ
fsr-4009	351	5	(	(	PUNCT
fsr-4009	351	6	0.0547/0.0207)*100	0.0547/0.0207)*100	NUM
fsr-4009	351	7	=	=	SYM
fsr-4009	351	8	264.0777	264.0777	NUM
fsr-4009	351	9	-164.0772	-164.0772	DET
fsr-4009	351	10	+264.0777	+264.0777	PROPN
fsr-4009	351	11	=	=	SYM
fsr-4009	351	12	100	100	NUM
fsr-4009	351	13	%	%	NOUN
fsr-4009	351	14	discussion	discussion	NOUN
fsr-4009	351	15	and	and	CCONJ
fsr-4009	351	16	implications	implication	NOUN
fsr-4009	351	17	this	this	DET
fsr-4009	351	18	study	study	NOUN
fsr-4009	351	19	finds	find	VERB
fsr-4009	351	20	that	that	SCONJ
fsr-4009	351	21	single	single	ADJ
fsr-4009	351	22	women	woman	NOUN
fsr-4009	351	23	have	have	VERB
fsr-4009	351	24	a	a	DET
fsr-4009	351	25	lower	low	ADJ
fsr-4009	351	26	level	level	NOUN
fsr-4009	351	27	of	of	ADP
fsr-4009	351	28	financial	financial	ADJ
fsr-4009	351	29	literacy	literacy	NOUN
fsr-4009	351	30	and	and	CCONJ
fsr-4009	351	31	lower	low	ADJ
fsr-4009	351	32	returns	return	NOUN
fsr-4009	351	33	to	to	ADP
fsr-4009	351	34	financial	financial	ADJ
fsr-4009	351	35	literacy	literacy	NOUN
fsr-4009	351	36	than	than	ADP
fsr-4009	351	37	single	single	ADJ
fsr-4009	351	38	men	man	NOUN
fsr-4009	351	39	.	.	PUNCT
fsr-4009	352	1	this	this	PRON
fsr-4009	352	2	indicates	indicate	VERB
fsr-4009	352	3	that	that	SCONJ
fsr-4009	352	4	single	single	ADJ
fsr-4009	352	5	women	woman	NOUN
fsr-4009	352	6	are	be	AUX
fsr-4009	352	7	less	less	ADV
fsr-4009	352	8	knowledgeable	knowledgeable	ADJ
fsr-4009	352	9	about	about	ADP
fsr-4009	352	10	financial	financial	ADJ
fsr-4009	352	11	matters	matter	NOUN
fsr-4009	352	12	and	and	CCONJ
fsr-4009	352	13	benefit	benefit	VERB
fsr-4009	352	14	less	less	ADJ
fsr-4009	352	15	from	from	ADP
fsr-4009	352	16	the	the	DET
fsr-4009	352	17	financial	financial	ADJ
fsr-4009	352	18	literacy	literacy	NOUN
fsr-4009	352	19	they	they	PRON
fsr-4009	352	20	possess	possess	VERB
fsr-4009	352	21	in	in	ADP
fsr-4009	352	22	terms	term	NOUN
fsr-4009	352	23	of	of	ADP
fsr-4009	352	24	participation	participation	NOUN
fsr-4009	352	25	in	in	ADP
fsr-4009	352	26	employer	employer	NOUN
fsr-4009	352	27	-	-	PUNCT
fsr-4009	352	28	sponsored	sponsor	VERB
fsr-4009	352	29	retirement	retirement	NOUN
fsr-4009	352	30	plans	plan	NOUN
fsr-4009	352	31	.	.	PUNCT
fsr-4009	353	1	while	while	SCONJ
fsr-4009	353	2	erisa	erisa	NOUN
fsr-4009	353	3	guarantees	guarantee	VERB
fsr-4009	353	4	equal	equal	ADJ
fsr-4009	353	5	access	access	NOUN
fsr-4009	353	6	to	to	ADP
fsr-4009	353	7	employer	employer	NOUN
fsr-4009	353	8	-	-	PUNCT
fsr-4009	353	9	sponsored	sponsor	VERB
fsr-4009	353	10	retirement	retirement	NOUN
fsr-4009	353	11	plans	plan	NOUN
fsr-4009	353	12	,	,	PUNCT
fsr-4009	353	13	these	these	DET
fsr-4009	353	14	findings	finding	NOUN
fsr-4009	353	15	suggest	suggest	VERB
fsr-4009	353	16	that	that	SCONJ
fsr-4009	353	17	equal	equal	ADJ
fsr-4009	353	18	availability	availability	NOUN
fsr-4009	353	19	does	do	AUX
fsr-4009	353	20	not	not	PART
fsr-4009	353	21	necessarily	necessarily	ADV
fsr-4009	353	22	result	result	VERB
fsr-4009	353	23	in	in	ADP
fsr-4009	353	24	similar	similar	ADJ
fsr-4009	353	25	participation	participation	NOUN
fsr-4009	353	26	rates	rate	NOUN
fsr-4009	353	27	.	.	PUNCT
fsr-4009	354	1	differences	difference	NOUN
fsr-4009	354	2	in	in	ADP
fsr-4009	354	3	financial	financial	ADJ
fsr-4009	354	4	literacy	literacy	NOUN
fsr-4009	354	5	,	,	PUNCT
fsr-4009	354	6	along	along	ADP
fsr-4009	354	7	with	with	ADP
fsr-4009	354	8	demographic	demographic	ADJ
fsr-4009	354	9	and	and	CCONJ
fsr-4009	354	10	economic	economic	ADJ
fsr-4009	354	11	factors	factor	NOUN
fsr-4009	354	12	,	,	PUNCT
fsr-4009	354	13	continue	continue	VERB
fsr-4009	354	14	to	to	PART
fsr-4009	354	15	create	create	VERB
fsr-4009	354	16	gaps	gap	NOUN
fsr-4009	354	17	in	in	ADP
fsr-4009	354	18	actual	actual	ADJ
fsr-4009	354	19	participation	participation	NOUN
fsr-4009	354	20	.	.	PUNCT
fsr-4009	355	1	to	to	PART
fsr-4009	355	2	address	address	VERB
fsr-4009	355	3	this	this	PRON
fsr-4009	355	4	,	,	PUNCT
fsr-4009	355	5	financial	financial	ADJ
fsr-4009	355	6	planners	planner	NOUN
fsr-4009	355	7	can	can	AUX
fsr-4009	355	8	collaborate	collaborate	VERB
fsr-4009	355	9	with	with	ADP
fsr-4009	355	10	employers	employer	NOUN
fsr-4009	355	11	to	to	PART
fsr-4009	355	12	develop	develop	VERB
fsr-4009	355	13	and	and	CCONJ
fsr-4009	355	14	implement	implement	VERB
fsr-4009	355	15	financial	financial	ADJ
fsr-4009	355	16	literacy	literacy	NOUN
fsr-4009	355	17	programs	program	NOUN
fsr-4009	355	18	specifically	specifically	ADV
fsr-4009	355	19	targeted	target	VERB
fsr-4009	355	20	at	at	ADP
fsr-4009	355	21	single	single	ADJ
fsr-4009	355	22	women	woman	NOUN
fsr-4009	355	23	.	.	PUNCT
fsr-4009	356	1	these	these	DET
fsr-4009	356	2	programs	program	NOUN
fsr-4009	356	3	should	should	AUX
fsr-4009	356	4	cover	cover	VERB
fsr-4009	356	5	important	important	ADJ
fsr-4009	356	6	topics	topic	NOUN
fsr-4009	356	7	such	such	ADJ
fsr-4009	356	8	as	as	ADP
fsr-4009	356	9	retirement	retirement	NOUN
fsr-4009	356	10	planning	planning	NOUN
fsr-4009	356	11	,	,	PUNCT
fsr-4009	356	12	investment	investment	NOUN
fsr-4009	356	13	strategies	strategy	NOUN
fsr-4009	356	14	,	,	PUNCT
fsr-4009	356	15	budgeting	budgeting	NOUN
fsr-4009	356	16	,	,	PUNCT
fsr-4009	356	17	and	and	CCONJ
fsr-4009	356	18	risk	risk	NOUN
fsr-4009	356	19	management	management	NOUN
fsr-4009	356	20	.	.	PUNCT
fsr-4009	357	1	the	the	DET
fsr-4009	357	2	format	format	NOUN
fsr-4009	357	3	of	of	ADP
fsr-4009	357	4	these	these	DET
fsr-4009	357	5	programs	program	NOUN
fsr-4009	357	6	should	should	AUX
fsr-4009	357	7	be	be	AUX
fsr-4009	357	8	tailored	tailor	VERB
fsr-4009	357	9	to	to	PART
fsr-4009	357	10	suit	suit	VERB
fsr-4009	357	11	different	different	ADJ
fsr-4009	357	12	audiences	audience	NOUN
fsr-4009	357	13	.	.	PUNCT
fsr-4009	358	1	for	for	ADP
fsr-4009	358	2	example	example	NOUN
fsr-4009	358	3	,	,	PUNCT
fsr-4009	358	4	online	online	ADJ
fsr-4009	358	5	modules	module	NOUN
fsr-4009	358	6	or	or	CCONJ
fsr-4009	358	7	gamified	gamifie	VERB
fsr-4009	358	8	learning	learning	NOUN
fsr-4009	358	9	tools	tool	NOUN
fsr-4009	358	10	may	may	AUX
fsr-4009	358	11	be	be	AUX
fsr-4009	358	12	more	more	ADV
fsr-4009	358	13	effective	effective	ADJ
fsr-4009	358	14	for	for	ADP
fsr-4009	358	15	younger	young	ADJ
fsr-4009	358	16	workers	worker	NOUN
fsr-4009	358	17	,	,	PUNCT
fsr-4009	358	18	whereas	whereas	SCONJ
fsr-4009	358	19	in	in	ADP
fsr-4009	358	20	-	-	PUNCT
fsr-4009	358	21	person	person	NOUN
fsr-4009	358	22	workshops	workshop	NOUN
fsr-4009	358	23	or	or	CCONJ
fsr-4009	358	24	seminars	seminar	NOUN
fsr-4009	358	25	may	may	AUX
fsr-4009	358	26	be	be	AUX
fsr-4009	358	27	more	more	ADV
fsr-4009	358	28	suitable	suitable	ADJ
fsr-4009	358	29	for	for	ADP
fsr-4009	358	30	older	old	ADJ
fsr-4009	358	31	individuals	individual	NOUN
fsr-4009	358	32	.	.	PUNCT
fsr-4009	359	1	developing	develop	VERB
fsr-4009	359	2	tailored	tailor	VERB
fsr-4009	359	3	educational	educational	ADJ
fsr-4009	359	4	programs	program	NOUN
fsr-4009	359	5	,	,	PUNCT
fsr-4009	359	6	such	such	ADJ
fsr-4009	359	7	as	as	ADP
fsr-4009	359	8	workshops	workshop	NOUN
fsr-4009	359	9	,	,	PUNCT
fsr-4009	359	10	online	online	ADJ
fsr-4009	359	11	courses	course	NOUN
fsr-4009	359	12	,	,	PUNCT
fsr-4009	359	13	and	and	CCONJ
fsr-4009	359	14	seminars	seminar	NOUN
fsr-4009	359	15	specifically	specifically	ADV
fsr-4009	359	16	designed	design	VERB
fsr-4009	359	17	for	for	ADP
fsr-4009	359	18	women	woman	NOUN
fsr-4009	359	19	,	,	PUNCT
fsr-4009	359	20	focusing	focus	VERB
fsr-4009	359	21	on	on	ADP
fsr-4009	359	22	fundamental	fundamental	ADJ
fsr-4009	359	23	financial	financial	ADJ
fsr-4009	359	24	concepts	concept	NOUN
fsr-4009	359	25	,	,	PUNCT
fsr-4009	359	26	might	might	AUX
fsr-4009	359	27	help	help	VERB
fsr-4009	359	28	increase	increase	VERB
fsr-4009	359	29	financial	financial	ADJ
fsr-4009	359	30	literacy	literacy	NOUN
fsr-4009	359	31	among	among	ADP
fsr-4009	359	32	single	single	ADJ
fsr-4009	359	33	women	woman	NOUN
fsr-4009	359	34	.	.	PUNCT
fsr-4009	360	1	additionally	additionally	ADV
fsr-4009	360	2	,	,	PUNCT
fsr-4009	360	3	financial	financial	ADJ
fsr-4009	360	4	planners	planner	NOUN
fsr-4009	360	5	can	can	AUX
fsr-4009	360	6	work	work	VERB
fsr-4009	360	7	with	with	ADP
fsr-4009	360	8	companies	company	NOUN
fsr-4009	360	9	to	to	PART
fsr-4009	360	10	incorporate	incorporate	VERB
fsr-4009	360	11	financial	financial	ADJ
fsr-4009	360	12	literacy	literacy	NOUN
fsr-4009	360	13	programs	program	NOUN
fsr-4009	360	14	into	into	ADP
fsr-4009	360	15	their	their	PRON
fsr-4009	360	16	employee	employee	NOUN
fsr-4009	360	17	-	-	PUNCT
fsr-4009	360	18	benefits	benefit	NOUN
fsr-4009	360	19	packages	package	NOUN
fsr-4009	360	20	,	,	PUNCT
fsr-4009	360	21	encouraging	encourage	VERB
fsr-4009	360	22	participation	participation	NOUN
fsr-4009	360	23	among	among	ADP
fsr-4009	360	24	employees	employee	NOUN
fsr-4009	360	25	.	.	PUNCT
fsr-4009	361	1	employers	employer	NOUN
fsr-4009	361	2	can	can	AUX
fsr-4009	361	3	incorporate	incorporate	VERB
fsr-4009	361	4	financial	financial	ADJ
fsr-4009	361	5	literacy	literacy	NOUN
fsr-4009	361	6	into	into	ADP
fsr-4009	361	7	employee	employee	NOUN
fsr-4009	361	8	wellness	wellness	NOUN
fsr-4009	361	9	programs	program	NOUN
fsr-4009	361	10	and	and	CCONJ
fsr-4009	361	11	provide	provide	VERB
fsr-4009	361	12	incentives	incentive	NOUN
fsr-4009	361	13	for	for	ADP
fsr-4009	361	14	participating	participate	VERB
fsr-4009	361	15	in	in	ADP
fsr-4009	361	16	educational	educational	ADJ
fsr-4009	361	17	sessions	session	NOUN
fsr-4009	361	18	or	or	CCONJ
fsr-4009	361	19	increasing	increase	VERB
fsr-4009	361	20	retirement	retirement	NOUN
fsr-4009	361	21	contributions	contribution	NOUN
fsr-4009	361	22	.	.	PUNCT
fsr-4009	362	1	the	the	DET
fsr-4009	362	2	study	study	NOUN
fsr-4009	362	3	also	also	ADV
fsr-4009	362	4	finds	find	VERB
fsr-4009	362	5	that	that	SCONJ
fsr-4009	362	6	single	single	ADJ
fsr-4009	362	7	females	female	NOUN
fsr-4009	362	8	have	have	VERB
fsr-4009	362	9	lower	low	ADJ
fsr-4009	362	10	risk	risk	NOUN
fsr-4009	362	11	tolerance	tolerance	NOUN
fsr-4009	362	12	than	than	ADP
fsr-4009	362	13	single	single	ADJ
fsr-4009	362	14	males	male	NOUN
fsr-4009	362	15	.	.	PUNCT
fsr-4009	363	1	financial	financial	ADJ
fsr-4009	363	2	planners	planner	NOUN
fsr-4009	363	3	can	can	AUX
fsr-4009	363	4	educate	educate	VERB
fsr-4009	363	5	single	single	ADJ
fsr-4009	363	6	females	female	NOUN
fsr-4009	363	7	on	on	ADP
fsr-4009	363	8	risk	risk	NOUN
fsr-4009	363	9	management	management	NOUN
fsr-4009	363	10	to	to	PART
fsr-4009	363	11	improve	improve	VERB
fsr-4009	363	12	their	their	PRON
fsr-4009	363	13	participation	participation	NOUN
fsr-4009	363	14	in	in	ADP
fsr-4009	363	15	retirement	retirement	NOUN
fsr-4009	363	16	plans	plan	NOUN
fsr-4009	363	17	by	by	ADP
fsr-4009	363	18	offering	offer	VERB
fsr-4009	363	19	one	one	NUM
fsr-4009	363	20	-	-	PUNCT
fsr-4009	363	21	on	on	ADP
fsr-4009	363	22	-	-	PUNCT
fsr-4009	363	23	one	one	NUM
fsr-4009	363	24	consultations	consultation	NOUN
fsr-4009	363	25	to	to	PART
fsr-4009	363	26	assess	assess	VERB
fsr-4009	363	27	individual	individual	ADJ
fsr-4009	363	28	risk	risk	NOUN
fsr-4009	363	29	tolerance	tolerance	NOUN
fsr-4009	363	30	and	and	CCONJ
fsr-4009	363	31	provide	provide	VERB
fsr-4009	363	32	tailored	tailored	ADJ
fsr-4009	363	33	advice	advice	NOUN
fsr-4009	363	34	on	on	ADP
fsr-4009	363	35	suitable	suitable	ADJ
fsr-4009	363	36	investment	investment	NOUN
fsr-4009	363	37	strategies	strategy	NOUN
fsr-4009	363	38	.	.	PUNCT
fsr-4009	364	1	arranging	arrange	VERB
fsr-4009	364	2	workshops	workshop	NOUN
fsr-4009	364	3	that	that	PRON
fsr-4009	364	4	cover	cover	VERB
fsr-4009	364	5	the	the	DET
fsr-4009	364	6	basics	basic	NOUN
fsr-4009	364	7	of	of	ADP
fsr-4009	364	8	risk	risk	NOUN
fsr-4009	364	9	management	management	NOUN
fsr-4009	364	10	,	,	PUNCT
fsr-4009	364	11	different	different	ADJ
fsr-4009	364	12	types	type	NOUN
fsr-4009	364	13	of	of	ADP
fsr-4009	364	14	risks	risk	NOUN
fsr-4009	364	15	,	,	PUNCT
fsr-4009	364	16	and	and	CCONJ
fsr-4009	364	17	how	how	SCONJ
fsr-4009	364	18	to	to	PART
fsr-4009	364	19	balance	balance	VERB
fsr-4009	364	20	risk	risk	NOUN
fsr-4009	364	21	and	and	CCONJ
fsr-4009	364	22	reward	reward	VERB
fsr-4009	364	23	in	in	ADP
fsr-4009	364	24	investment	investment	NOUN
fsr-4009	364	25	portfolios	portfolio	NOUN
fsr-4009	364	26	might	might	AUX
fsr-4009	364	27	also	also	ADV
fsr-4009	364	28	be	be	AUX
fsr-4009	364	29	helpful	helpful	ADJ
fsr-4009	364	30	.	.	PUNCT
fsr-4009	365	1	to	to	PART
fsr-4009	365	2	help	help	VERB
fsr-4009	365	3	individuals	individual	NOUN
fsr-4009	365	4	overcome	overcome	VERB
fsr-4009	365	5	challenges	challenge	NOUN
fsr-4009	365	6	like	like	ADP
fsr-4009	365	7	low	low	ADJ
fsr-4009	365	8	income	income	NOUN
fsr-4009	365	9	or	or	CCONJ
fsr-4009	365	10	risk	risk	NOUN
fsr-4009	365	11	aversion	aversion	NOUN
fsr-4009	365	12	,	,	PUNCT
fsr-4009	365	13	employers	employer	NOUN
fsr-4009	365	14	and	and	CCONJ
fsr-4009	365	15	financial	financial	ADJ
fsr-4009	365	16	planners	planner	NOUN
fsr-4009	365	17	can	can	AUX
fsr-4009	365	18	recommend	recommend	VERB
fsr-4009	365	19	low	low	ADJ
fsr-4009	365	20	-	-	PUNCT
fsr-4009	365	21	cost	cost	NOUN
fsr-4009	365	22	,	,	PUNCT
fsr-4009	365	23	diversified	diversify	VERB
fsr-4009	365	24	investments	investment	NOUN
fsr-4009	365	25	such	such	ADJ
fsr-4009	365	26	as	as	ADP
fsr-4009	365	27	target	target	NOUN
fsr-4009	365	28	-	-	PUNCT
fsr-4009	365	29	date	date	NOUN
fsr-4009	365	30	or	or	CCONJ
fsr-4009	365	31	index	index	NOUN
fsr-4009	365	32	funds	fund	NOUN
fsr-4009	365	33	.	.	PUNCT
fsr-4009	366	1	they	they	PRON
fsr-4009	366	2	can	can	AUX
fsr-4009	366	3	also	also	ADV
fsr-4009	366	4	break	break	VERB
fsr-4009	366	5	long	long	ADJ
fsr-4009	366	6	-	-	PUNCT
fsr-4009	366	7	term	term	NOUN
fsr-4009	366	8	goals	goal	NOUN
fsr-4009	366	9	into	into	ADP
fsr-4009	366	10	small	small	ADJ
fsr-4009	366	11	,	,	PUNCT
fsr-4009	366	12	actionable	actionable	ADJ
fsr-4009	366	13	steps	step	NOUN
fsr-4009	366	14	to	to	PART
fsr-4009	366	15	build	build	VERB
fsr-4009	366	16	confidence	confidence	NOUN
fsr-4009	366	17	and	and	CCONJ
fsr-4009	366	18	encourage	encourage	VERB
fsr-4009	366	19	participation	participation	NOUN
fsr-4009	366	20	.	.	PUNCT
fsr-4009	367	1	furthermore	furthermore	ADV
fsr-4009	367	2	,	,	PUNCT
fsr-4009	367	3	single	single	ADJ
fsr-4009	367	4	women	woman	NOUN
fsr-4009	367	5	aged	age	VERB
fsr-4009	367	6	25	25	NUM
fsr-4009	367	7	-	-	SYM
fsr-4009	367	8	34	34	NUM
fsr-4009	367	9	and	and	CCONJ
fsr-4009	367	10	3544	3544	NUM
fsr-4009	367	11	have	have	VERB
fsr-4009	367	12	a	a	DET
fsr-4009	367	13	much	much	ADV
fsr-4009	367	14	higher	high	ADJ
fsr-4009	367	15	return	return	NOUN
fsr-4009	367	16	on	on	ADP
fsr-4009	367	17	their	their	PRON
fsr-4009	367	18	retirement	retirement	NOUN
fsr-4009	367	19	plan	plan	NOUN
fsr-4009	367	20	participation	participation	NOUN
fsr-4009	367	21	compared	compare	VERB
fsr-4009	367	22	to	to	ADP
fsr-4009	367	23	single	single	ADJ
fsr-4009	367	24	men	man	NOUN
fsr-4009	367	25	.	.	PUNCT
fsr-4009	368	1	this	this	PRON
fsr-4009	368	2	suggests	suggest	VERB
fsr-4009	368	3	that	that	SCONJ
fsr-4009	368	4	,	,	PUNCT
fsr-4009	368	5	within	within	ADP
fsr-4009	368	6	this	this	DET
fsr-4009	368	7	age	age	NOUN
fsr-4009	368	8	group	group	NOUN
fsr-4009	368	9	,	,	PUNCT
fsr-4009	368	10	women	woman	NOUN
fsr-4009	368	11	benefit	benefit	VERB
fsr-4009	368	12	more	more	ADJ
fsr-4009	368	13	from	from	ADP
fsr-4009	368	14	their	their	PRON
fsr-4009	368	15	participation	participation	NOUN
fsr-4009	368	16	in	in	ADP
fsr-4009	368	17	employer	employer	NOUN
fsr-4009	368	18	-	-	PUNCT
fsr-4009	368	19	sponsored	sponsor	VERB
fsr-4009	368	20	retirement	retirement	NOUN
fsr-4009	368	21	plans	plan	NOUN
fsr-4009	368	22	,	,	PUNCT
fsr-4009	368	23	possibly	possibly	ADV
fsr-4009	368	24	due	due	ADP
fsr-4009	368	25	to	to	ADP
fsr-4009	368	26	better	well	ADJ
fsr-4009	368	27	utilization	utilization	NOUN
fsr-4009	368	28	of	of	ADP
fsr-4009	368	29	employer	employer	NOUN
fsr-4009	368	30	benefits	benefit	NOUN
fsr-4009	368	31	,	,	PUNCT
fsr-4009	368	32	more	more	ADV
fsr-4009	368	33	favorable	favorable	ADJ
fsr-4009	368	34	employment	employment	NOUN
fsr-4009	368	35	conditions	condition	NOUN
fsr-4009	368	36	,	,	PUNCT
fsr-4009	368	37	or	or	CCONJ
fsr-4009	368	38	other	other	ADJ
fsr-4009	368	39	sociocultural	sociocultural	ADJ
fsr-4009	368	40	factors	factor	NOUN
fsr-4009	368	41	influencing	influence	VERB
fsr-4009	368	42	their	their	PRON
fsr-4009	368	43	participation	participation	NOUN
fsr-4009	368	44	.	.	PUNCT
fsr-4009	369	1	financial	financial	ADJ
fsr-4009	369	2	planners	planner	NOUN
fsr-4009	369	3	can	can	AUX
fsr-4009	369	4	offer	offer	VERB
fsr-4009	369	5	customized	customize	VERB
fsr-4009	369	6	financial	financial	ADJ
fsr-4009	369	7	planning	planning	NOUN
fsr-4009	369	8	services	service	NOUN
fsr-4009	369	9	based	base	VERB
fsr-4009	369	10	on	on	ADP
fsr-4009	369	11	age	age	NOUN
fsr-4009	369	12	groups	group	NOUN
fsr-4009	369	13	,	,	PUNCT
fsr-4009	369	14	addressing	address	VERB
fsr-4009	369	15	the	the	DET
fsr-4009	369	16	unique	unique	ADJ
fsr-4009	369	17	financial	financial	ADJ
fsr-4009	369	18	needs	need	NOUN
fsr-4009	369	19	and	and	CCONJ
fsr-4009	369	20	goals	goal	NOUN
fsr-4009	369	21	of	of	ADP
fsr-4009	369	22	single	single	ADJ
fsr-4009	369	23	males	male	NOUN
fsr-4009	369	24	and	and	CCONJ
fsr-4009	369	25	females	female	NOUN
fsr-4009	369	26	.	.	PUNCT
fsr-4009	370	1	they	they	PRON
fsr-4009	370	2	can	can	AUX
fsr-4009	370	3	work	work	VERB
fsr-4009	370	4	with	with	ADP
fsr-4009	370	5	employers	employer	NOUN
fsr-4009	370	6	to	to	PART
fsr-4009	370	7	create	create	VERB
fsr-4009	370	8	programs	program	NOUN
fsr-4009	370	9	and	and	CCONJ
fsr-4009	370	10	workshops	workshop	NOUN
fsr-4009	370	11	specifically	specifically	ADV
fsr-4009	370	12	designed	design	VERB
fsr-4009	370	13	for	for	ADP
fsr-4009	370	14	young	young	ADJ
fsr-4009	370	15	professional	professional	ADJ
fsr-4009	370	16	women	woman	NOUN
fsr-4009	370	17	to	to	PART
fsr-4009	370	18	maximize	maximize	VERB
fsr-4009	370	19	their	their	PRON
fsr-4009	370	20	retirement	retirement	NOUN
fsr-4009	370	21	savings	saving	NOUN
fsr-4009	370	22	potential	potential	NOUN
fsr-4009	370	23	,	,	PUNCT
fsr-4009	370	24	encouraging	encourage	VERB
fsr-4009	370	25	early	early	ADJ
fsr-4009	370	26	and	and	CCONJ
fsr-4009	370	27	consistent	consistent	ADJ
fsr-4009	370	28	participation	participation	NOUN
fsr-4009	370	29	in	in	ADP
fsr-4009	370	30	employer	employer	NOUN
fsr-4009	370	31	-	-	PUNCT
fsr-4009	370	32	sponsored	sponsor	VERB
fsr-4009	370	33	retirement	retirement	NOUN
fsr-4009	370	34	plans	plan	NOUN
fsr-4009	370	35	to	to	PART
fsr-4009	370	36	build	build	VERB
fsr-4009	370	37	a	a	DET
fsr-4009	370	38	strong	strong	ADJ
fsr-4009	370	39	foundation	foundation	NOUN
fsr-4009	370	40	for	for	ADP
fsr-4009	370	41	future	future	ADJ
fsr-4009	370	42	financial	financial	ADJ
fsr-4009	370	43	security	security	NOUN
fsr-4009	370	44	.	.	PUNCT
fsr-4009	371	1	ahmmed	ahmmed	PROPN
fsr-4009	371	2	et	et	PROPN
fsr-4009	371	3	al	al	PROPN
fsr-4009	371	4	.	.	PROPN
fsr-4009	371	5	161	161	NUM
fsr-4009	372	1	these	these	DET
fsr-4009	372	2	findings	finding	NOUN
fsr-4009	372	3	also	also	ADV
fsr-4009	372	4	have	have	VERB
fsr-4009	372	5	important	important	ADJ
fsr-4009	372	6	policy	policy	NOUN
fsr-4009	372	7	implications	implication	NOUN
fsr-4009	372	8	.	.	PUNCT
fsr-4009	373	1	policymakers	policymaker	NOUN
fsr-4009	373	2	can	can	AUX
fsr-4009	373	3	improve	improve	VERB
fsr-4009	373	4	access	access	NOUN
fsr-4009	373	5	to	to	ADP
fsr-4009	373	6	retirement	retirement	NOUN
fsr-4009	373	7	savings	saving	NOUN
fsr-4009	373	8	by	by	ADP
fsr-4009	373	9	supporting	support	VERB
fsr-4009	373	10	communitybased	communitybase	VERB
fsr-4009	373	11	financial	financial	ADJ
fsr-4009	373	12	literacy	literacy	NOUN
fsr-4009	373	13	programs	program	NOUN
fsr-4009	373	14	and	and	CCONJ
fsr-4009	373	15	mandating	mandate	VERB
fsr-4009	373	16	automatic	automatic	ADJ
fsr-4009	373	17	enrollment	enrollment	NOUN
fsr-4009	373	18	in	in	ADP
fsr-4009	373	19	employer	employer	NOUN
fsr-4009	373	20	-	-	PUNCT
fsr-4009	373	21	sponsored	sponsor	VERB
fsr-4009	373	22	retirement	retirement	NOUN
fsr-4009	373	23	plans	plan	NOUN
fsr-4009	373	24	.	.	PUNCT
fsr-4009	374	1	finally	finally	ADV
fsr-4009	374	2	,	,	PUNCT
fsr-4009	374	3	the	the	DET
fsr-4009	374	4	results	result	NOUN
fsr-4009	374	5	find	find	VERB
fsr-4009	374	6	that	that	SCONJ
fsr-4009	374	7	single	single	ADJ
fsr-4009	374	8	males	male	NOUN
fsr-4009	374	9	have	have	VERB
fsr-4009	374	10	significantly	significantly	ADV
fsr-4009	374	11	lower	low	ADJ
fsr-4009	374	12	returns	return	NOUN
fsr-4009	374	13	to	to	ADP
fsr-4009	374	14	bachelor	bachelor	NOUN
fsr-4009	374	15	's	's	PART
fsr-4009	374	16	degrees	degree	NOUN
fsr-4009	374	17	than	than	ADP
fsr-4009	374	18	single	single	ADJ
fsr-4009	374	19	females	female	NOUN
fsr-4009	374	20	.	.	PUNCT
fsr-4009	375	1	given	give	VERB
fsr-4009	375	2	the	the	DET
fsr-4009	375	3	significant	significant	ADJ
fsr-4009	375	4	unexplained	unexplained	ADJ
fsr-4009	375	5	impact	impact	NOUN
fsr-4009	375	6	of	of	ADP
fsr-4009	375	7	having	have	VERB
fsr-4009	375	8	a	a	DET
fsr-4009	375	9	bachelor	bachelor	NOUN
fsr-4009	375	10	’s	’s	PART
fsr-4009	375	11	degree	degree	NOUN
fsr-4009	375	12	,	,	PUNCT
fsr-4009	375	13	financial	financial	ADJ
fsr-4009	375	14	planners	planner	NOUN
fsr-4009	375	15	should	should	AUX
fsr-4009	375	16	leverage	leverage	VERB
fsr-4009	375	17	the	the	DET
fsr-4009	375	18	educational	educational	ADJ
fsr-4009	375	19	background	background	NOUN
fsr-4009	375	20	of	of	ADP
fsr-4009	375	21	their	their	PRON
fsr-4009	375	22	clients	client	NOUN
fsr-4009	375	23	to	to	PART
fsr-4009	375	24	tailor	tailor	VERB
fsr-4009	375	25	more	more	ADV
fsr-4009	375	26	effective	effective	ADJ
fsr-4009	375	27	retirement	retirement	NOUN
fsr-4009	375	28	planning	planning	NOUN
fsr-4009	375	29	advice	advice	NOUN
fsr-4009	375	30	.	.	PUNCT
fsr-4009	376	1	overall	overall	ADJ
fsr-4009	376	2	,	,	PUNCT
fsr-4009	376	3	the	the	DET
fsr-4009	376	4	findings	finding	NOUN
fsr-4009	376	5	of	of	ADP
fsr-4009	376	6	this	this	DET
fsr-4009	376	7	study	study	NOUN
fsr-4009	376	8	contribute	contribute	VERB
fsr-4009	376	9	to	to	ADP
fsr-4009	376	10	both	both	CCONJ
fsr-4009	376	11	public	public	ADJ
fsr-4009	376	12	policy	policy	NOUN
fsr-4009	376	13	and	and	CCONJ
fsr-4009	376	14	financial	financial	ADJ
fsr-4009	376	15	-	-	PUNCT
fsr-4009	376	16	planning	planning	NOUN
fsr-4009	376	17	practices	practice	NOUN
fsr-4009	376	18	by	by	ADP
fsr-4009	376	19	offering	offer	VERB
fsr-4009	376	20	actionable	actionable	ADJ
fsr-4009	376	21	recommendations	recommendation	NOUN
fsr-4009	376	22	to	to	PART
fsr-4009	376	23	support	support	VERB
fsr-4009	376	24	retirement	retirement	NOUN
fsr-4009	376	25	preparedness	preparedness	NOUN
fsr-4009	376	26	among	among	ADP
fsr-4009	376	27	single	single	ADJ
fsr-4009	376	28	individuals	individual	NOUN
fsr-4009	376	29	.	.	PUNCT
fsr-4009	377	1	conclusion	conclusion	NOUN
fsr-4009	377	2	saving	save	VERB
fsr-4009	377	3	for	for	ADP
fsr-4009	377	4	retirement	retirement	NOUN
fsr-4009	377	5	is	be	AUX
fsr-4009	377	6	one	one	NUM
fsr-4009	377	7	of	of	ADP
fsr-4009	377	8	american	american	ADJ
fsr-4009	377	9	adults	adult	NOUN
fsr-4009	377	10	'	'	PART
fsr-4009	377	11	most	most	ADV
fsr-4009	377	12	important	important	ADJ
fsr-4009	377	13	financial	financial	ADJ
fsr-4009	377	14	decisions	decision	NOUN
fsr-4009	377	15	.	.	PUNCT
fsr-4009	378	1	in	in	ADP
fsr-4009	378	2	the	the	DET
fsr-4009	378	3	current	current	ADJ
fsr-4009	378	4	retirement	retirement	NOUN
fsr-4009	378	5	market	market	NOUN
fsr-4009	378	6	of	of	ADP
fsr-4009	378	7	the	the	DET
fsr-4009	378	8	united	united	PROPN
fsr-4009	378	9	states	states	PROPN
fsr-4009	378	10	,	,	PUNCT
fsr-4009	378	11	access	access	NOUN
fsr-4009	378	12	to	to	ADP
fsr-4009	378	13	employer	employer	NOUN
fsr-4009	378	14	-	-	PUNCT
fsr-4009	378	15	sponsored	sponsor	VERB
fsr-4009	378	16	retirement	retirement	NOUN
fsr-4009	378	17	plans	plan	NOUN
fsr-4009	378	18	is	be	AUX
fsr-4009	378	19	equal	equal	ADJ
fsr-4009	378	20	for	for	ADP
fsr-4009	378	21	all	all	DET
fsr-4009	378	22	individuals	individual	NOUN
fsr-4009	378	23	as	as	ADV
fsr-4009	378	24	long	long	ADV
fsr-4009	378	25	as	as	SCONJ
fsr-4009	378	26	they	they	PRON
fsr-4009	378	27	meet	meet	VERB
fsr-4009	378	28	the	the	DET
fsr-4009	378	29	eligibility	eligibility	NOUN
fsr-4009	378	30	requirements	requirement	NOUN
fsr-4009	378	31	.	.	PUNCT
fsr-4009	379	1	the	the	DET
fsr-4009	379	2	current	current	ADJ
fsr-4009	379	3	study	study	NOUN
fsr-4009	379	4	is	be	AUX
fsr-4009	379	5	conducted	conduct	VERB
fsr-4009	379	6	on	on	ADP
fsr-4009	379	7	single	single	ADJ
fsr-4009	379	8	,	,	PUNCT
fsr-4009	379	9	employed	employ	VERB
fsr-4009	379	10	individuals	individual	NOUN
fsr-4009	379	11	to	to	PART
fsr-4009	379	12	see	see	VERB
fsr-4009	379	13	if	if	SCONJ
fsr-4009	379	14	there	there	PRON
fsr-4009	379	15	is	be	VERB
fsr-4009	379	16	any	any	DET
fsr-4009	379	17	gender	gender	NOUN
fsr-4009	379	18	gap	gap	NOUN
fsr-4009	379	19	in	in	ADP
fsr-4009	379	20	employer	employer	NOUN
fsr-4009	379	21	-	-	PUNCT
fsr-4009	379	22	sponsored	sponsor	VERB
fsr-4009	379	23	plans	plan	NOUN
fsr-4009	379	24	such	such	ADJ
fsr-4009	379	25	as	as	ADP
fsr-4009	379	26	401(k	401(k	NOUN
fsr-4009	379	27	)	)	PUNCT
fsr-4009	379	28	or	or	CCONJ
fsr-4009	379	29	pension	pension	NOUN
fsr-4009	379	30	plans	plan	NOUN
fsr-4009	379	31	among	among	ADP
fsr-4009	379	32	single	single	ADJ
fsr-4009	379	33	individuals	individual	NOUN
fsr-4009	379	34	.	.	PUNCT
fsr-4009	380	1	this	this	DET
fsr-4009	380	2	study	study	NOUN
fsr-4009	380	3	's	's	PART
fsr-4009	380	4	unique	unique	ADJ
fsr-4009	380	5	approach	approach	NOUN
fsr-4009	380	6	involves	involve	VERB
fsr-4009	380	7	examining	examine	VERB
fsr-4009	380	8	whether	whether	SCONJ
fsr-4009	380	9	a	a	DET
fsr-4009	380	10	gender	gender	NOUN
fsr-4009	380	11	gap	gap	NOUN
fsr-4009	380	12	exists	exist	VERB
fsr-4009	380	13	in	in	ADP
fsr-4009	380	14	employer	employer	NOUN
fsr-4009	380	15	-	-	PUNCT
fsr-4009	380	16	sponsored	sponsor	VERB
fsr-4009	380	17	plan	plan	NOUN
fsr-4009	380	18	participation	participation	NOUN
fsr-4009	380	19	and	and	CCONJ
fsr-4009	380	20	,	,	PUNCT
fsr-4009	380	21	if	if	SCONJ
fsr-4009	380	22	so	so	ADV
fsr-4009	380	23	,	,	PUNCT
fsr-4009	380	24	determining	determine	VERB
fsr-4009	380	25	whether	whether	SCONJ
fsr-4009	380	26	it	it	PRON
fsr-4009	380	27	can	can	AUX
fsr-4009	380	28	be	be	AUX
fsr-4009	380	29	attributed	attribute	VERB
fsr-4009	380	30	to	to	ADP
fsr-4009	380	31	explained	explain	VERB
fsr-4009	380	32	or	or	CCONJ
fsr-4009	380	33	unexplained	unexplained	ADJ
fsr-4009	380	34	factors	factor	NOUN
fsr-4009	380	35	.	.	PUNCT
fsr-4009	381	1	the	the	DET
fsr-4009	381	2	current	current	ADJ
fsr-4009	381	3	study	study	NOUN
fsr-4009	381	4	examines	examine	VERB
fsr-4009	381	5	how	how	SCONJ
fsr-4009	381	6	differences	difference	NOUN
fsr-4009	381	7	between	between	ADP
fsr-4009	381	8	men	man	NOUN
fsr-4009	381	9	and	and	CCONJ
fsr-4009	381	10	women	woman	NOUN
fsr-4009	381	11	in	in	ADP
fsr-4009	381	12	the	the	DET
fsr-4009	381	13	explanatory	explanatory	ADJ
fsr-4009	381	14	variables	variable	NOUN
fsr-4009	381	15	(	(	PUNCT
fsr-4009	381	16	financial	financial	ADJ
fsr-4009	381	17	literacy	literacy	NOUN
fsr-4009	381	18	,	,	PUNCT
fsr-4009	381	19	risk	risk	NOUN
fsr-4009	381	20	tolerance	tolerance	NOUN
fsr-4009	381	21	,	,	PUNCT
fsr-4009	381	22	and	and	CCONJ
fsr-4009	381	23	other	other	ADJ
fsr-4009	381	24	demographic	demographic	ADJ
fsr-4009	381	25	and	and	CCONJ
fsr-4009	381	26	economic	economic	ADJ
fsr-4009	381	27	variables	variable	NOUN
fsr-4009	381	28	)	)	PUNCT
fsr-4009	381	29	and	and	CCONJ
fsr-4009	381	30	differences	difference	NOUN
fsr-4009	381	31	in	in	ADP
fsr-4009	381	32	the	the	DET
fsr-4009	381	33	returns	return	NOUN
fsr-4009	381	34	to	to	ADP
fsr-4009	381	35	each	each	DET
fsr-4009	381	36	explanatory	explanatory	ADJ
fsr-4009	381	37	variable	variable	NOUN
fsr-4009	381	38	are	be	AUX
fsr-4009	381	39	associated	associate	VERB
fsr-4009	381	40	with	with	ADP
fsr-4009	381	41	employer	employer	NOUN
fsr-4009	381	42	-	-	PUNCT
fsr-4009	381	43	sponsored	sponsor	VERB
fsr-4009	381	44	retirement	retirement	NOUN
fsr-4009	381	45	plan	plan	NOUN
fsr-4009	381	46	participation	participation	NOUN
fsr-4009	381	47	.	.	PUNCT
fsr-4009	382	1	the	the	DET
fsr-4009	382	2	study	study	NOUN
fsr-4009	382	3	uses	use	VERB
fsr-4009	382	4	a	a	DET
fsr-4009	382	5	nationally	nationally	ADV
fsr-4009	382	6	representative	representative	ADJ
fsr-4009	382	7	data	datum	NOUN
fsr-4009	382	8	set	set	VERB
fsr-4009	382	9	from	from	ADP
fsr-4009	382	10	the	the	DET
fsr-4009	382	11	2021	2021	NUM
fsr-4009	382	12	national	national	ADJ
fsr-4009	382	13	financial	financial	ADJ
fsr-4009	382	14	capability	capability	NOUN
fsr-4009	382	15	study	study	NOUN
fsr-4009	382	16	and	and	CCONJ
fsr-4009	382	17	performs	perform	VERB
fsr-4009	382	18	the	the	DET
fsr-4009	382	19	oaxaca	oaxaca	PROPN
fsr-4009	382	20	decomposition	decomposition	NOUN
fsr-4009	382	21	.	.	PUNCT
fsr-4009	383	1	this	this	DET
fsr-4009	383	2	study	study	NOUN
fsr-4009	383	3	finds	find	VERB
fsr-4009	383	4	that	that	SCONJ
fsr-4009	383	5	females	female	NOUN
fsr-4009	383	6	’	'	PUNCT
fsr-4009	383	7	participation	participation	NOUN
fsr-4009	383	8	in	in	ADP
fsr-4009	383	9	employersponsored	employersponsored	ADJ
fsr-4009	383	10	retirement	retirement	NOUN
fsr-4009	383	11	plans	plan	NOUN
fsr-4009	383	12	is	be	AUX
fsr-4009	383	13	1.36	1.36	NUM
fsr-4009	383	14	%	%	NOUN
fsr-4009	383	15	higher	high	ADJ
fsr-4009	383	16	than	than	ADP
fsr-4009	383	17	males	male	NOUN
fsr-4009	383	18	'	'	PUNCT
fsr-4009	383	19	.	.	PUNCT
fsr-4009	384	1	the	the	DET
fsr-4009	384	2	explained	explain	VERB
fsr-4009	384	3	and	and	CCONJ
fsr-4009	384	4	unexplained	unexplained	ADJ
fsr-4009	384	5	gap	gap	NOUN
fsr-4009	384	6	in	in	ADP
fsr-4009	384	7	participation	participation	NOUN
fsr-4009	384	8	in	in	ADP
fsr-4009	384	9	employer	employer	NOUN
fsr-4009	384	10	-	-	PUNCT
fsr-4009	384	11	sponsored	sponsor	VERB
fsr-4009	384	12	retirement	retirement	NOUN
fsr-4009	384	13	plans	plan	NOUN
fsr-4009	384	14	is	be	AUX
fsr-4009	384	15	-0.0428	-0.0428	ADJ
fsr-4009	384	16	and	and	CCONJ
fsr-4009	384	17	0.0565	0.0565	NUM
fsr-4009	384	18	,	,	PUNCT
fsr-4009	384	19	respectively	respectively	ADV
fsr-4009	384	20	.	.	PUNCT
fsr-4009	385	1	the	the	DET
fsr-4009	385	2	negative	negative	ADJ
fsr-4009	385	3	explained	explain	VERB
fsr-4009	385	4	gap	gap	NOUN
fsr-4009	385	5	means	mean	VERB
fsr-4009	385	6	females	female	NOUN
fsr-4009	385	7	have	have	VERB
fsr-4009	385	8	a	a	DET
fsr-4009	385	9	lower	low	ADJ
fsr-4009	385	10	average	average	ADJ
fsr-4009	385	11	value	value	NOUN
fsr-4009	385	12	of	of	ADP
fsr-4009	385	13	explanatory	explanatory	ADJ
fsr-4009	385	14	variables	variable	NOUN
fsr-4009	385	15	than	than	ADP
fsr-4009	385	16	males	male	NOUN
fsr-4009	385	17	.	.	PUNCT
fsr-4009	386	1	the	the	DET
fsr-4009	386	2	positive	positive	ADJ
fsr-4009	386	3	unexplained	unexplained	ADJ
fsr-4009	386	4	gap	gap	NOUN
fsr-4009	386	5	means	mean	VERB
fsr-4009	386	6	females	female	NOUN
fsr-4009	386	7	have	have	VERB
fsr-4009	386	8	a	a	DET
fsr-4009	386	9	higher	high	ADJ
fsr-4009	386	10	return	return	NOUN
fsr-4009	386	11	to	to	ADP
fsr-4009	386	12	explanatory	explanatory	ADJ
fsr-4009	386	13	variables	variable	NOUN
fsr-4009	386	14	than	than	ADP
fsr-4009	386	15	males	male	NOUN
fsr-4009	386	16	.	.	PUNCT
fsr-4009	387	1	even	even	ADV
fsr-4009	387	2	though	though	SCONJ
fsr-4009	387	3	previous	previous	ADJ
fsr-4009	387	4	studies	study	NOUN
fsr-4009	387	5	find	find	VERB
fsr-4009	387	6	that	that	SCONJ
fsr-4009	387	7	women	woman	NOUN
fsr-4009	387	8	generally	generally	ADV
fsr-4009	387	9	participate	participate	VERB
fsr-4009	387	10	less	less	ADJ
fsr-4009	387	11	than	than	ADP
fsr-4009	387	12	men	man	NOUN
fsr-4009	387	13	in	in	ADP
fsr-4009	387	14	employersponsored	employersponsored	ADJ
fsr-4009	387	15	retirement	retirement	NOUN
fsr-4009	387	16	plans	plan	NOUN
fsr-4009	387	17	,	,	PUNCT
fsr-4009	387	18	the	the	DET
fsr-4009	387	19	current	current	ADJ
fsr-4009	387	20	study	study	NOUN
fsr-4009	387	21	finds	find	VERB
fsr-4009	387	22	that	that	SCONJ
fsr-4009	387	23	single	single	ADJ
fsr-4009	387	24	,	,	PUNCT
fsr-4009	387	25	employed	employ	VERB
fsr-4009	387	26	women	woman	NOUN
fsr-4009	387	27	have	have	VERB
fsr-4009	387	28	slightly	slightly	ADV
fsr-4009	387	29	higher	high	ADJ
fsr-4009	387	30	participation	participation	NOUN
fsr-4009	387	31	than	than	ADP
fsr-4009	387	32	single	single	ADJ
fsr-4009	387	33	,	,	PUNCT
fsr-4009	387	34	employed	employ	VERB
fsr-4009	387	35	men	man	NOUN
fsr-4009	387	36	.	.	PUNCT
fsr-4009	388	1	single	single	ADJ
fsr-4009	388	2	women	woman	NOUN
fsr-4009	388	3	may	may	AUX
fsr-4009	388	4	be	be	AUX
fsr-4009	388	5	more	more	ADV
fsr-4009	388	6	likely	likely	ADJ
fsr-4009	388	7	to	to	PART
fsr-4009	388	8	have	have	VERB
fsr-4009	388	9	worries	worry	NOUN
fsr-4009	388	10	about	about	ADP
fsr-4009	388	11	retirement	retirement	NOUN
fsr-4009	388	12	and	and	CCONJ
fsr-4009	388	13	their	their	PRON
fsr-4009	388	14	financial	financial	ADJ
fsr-4009	388	15	future	future	NOUN
fsr-4009	388	16	(	(	PUNCT
fsr-4009	388	17	malone	malone	PROPN
fsr-4009	388	18	et	et	PROPN
fsr-4009	388	19	al	al	PROPN
fsr-4009	388	20	.	.	PROPN
fsr-4009	388	21	,	,	PUNCT
fsr-4009	388	22	2010	2010	NUM
fsr-4009	388	23	)	)	PUNCT
fsr-4009	388	24	.	.	PUNCT
fsr-4009	389	1	they	they	PRON
fsr-4009	389	2	are	be	AUX
fsr-4009	389	3	solely	solely	ADV
fsr-4009	389	4	responsible	responsible	ADJ
fsr-4009	389	5	for	for	ADP
fsr-4009	389	6	their	their	PRON
fsr-4009	389	7	financial	financial	ADJ
fsr-4009	389	8	well	well	NOUN
fsr-4009	389	9	-	-	PUNCT
fsr-4009	389	10	being	being	NOUN
fsr-4009	389	11	.	.	PUNCT
fsr-4009	390	1	single	single	ADJ
fsr-4009	390	2	women	woman	NOUN
fsr-4009	390	3	may	may	AUX
fsr-4009	390	4	be	be	AUX
fsr-4009	390	5	more	more	ADV
fsr-4009	390	6	financially	financially	ADV
fsr-4009	390	7	independent	independent	ADJ
fsr-4009	390	8	than	than	ADP
fsr-4009	390	9	married	married	ADJ
fsr-4009	390	10	women	woman	NOUN
fsr-4009	390	11	and	and	CCONJ
fsr-4009	390	12	single	single	ADJ
fsr-4009	390	13	men	man	NOUN
fsr-4009	390	14	.	.	PUNCT
fsr-4009	391	1	this	this	DET
fsr-4009	391	2	independence	independence	NOUN
fsr-4009	391	3	can	can	AUX
fsr-4009	391	4	motivate	motivate	VERB
fsr-4009	391	5	single	single	ADJ
fsr-4009	391	6	women	woman	NOUN
fsr-4009	391	7	to	to	PART
fsr-4009	391	8	prioritize	prioritize	VERB
fsr-4009	391	9	retirement	retirement	NOUN
fsr-4009	391	10	planning	planning	NOUN
fsr-4009	391	11	and	and	CCONJ
fsr-4009	391	12	take	take	VERB
fsr-4009	391	13	positive	positive	ADJ
fsr-4009	391	14	actions	action	NOUN
fsr-4009	391	15	to	to	PART
fsr-4009	391	16	secure	secure	VERB
fsr-4009	391	17	their	their	PRON
fsr-4009	391	18	future	future	NOUN
fsr-4009	391	19	.	.	PUNCT
fsr-4009	392	1	single	single	ADJ
fsr-4009	392	2	women	woman	NOUN
fsr-4009	392	3	may	may	AUX
fsr-4009	392	4	be	be	AUX
fsr-4009	392	5	more	more	ADV
fsr-4009	392	6	motivated	motivated	ADJ
fsr-4009	392	7	to	to	PART
fsr-4009	392	8	engage	engage	VERB
fsr-4009	392	9	in	in	ADP
fsr-4009	392	10	long	long	ADJ
fsr-4009	392	11	-	-	PUNCT
fsr-4009	392	12	term	term	NOUN
fsr-4009	392	13	financial	financial	ADJ
fsr-4009	392	14	planning	planning	NOUN
fsr-4009	392	15	,	,	PUNCT
fsr-4009	392	16	such	such	ADJ
fsr-4009	392	17	as	as	ADP
fsr-4009	392	18	retirement	retirement	NOUN
fsr-4009	392	19	planning	planning	NOUN
fsr-4009	392	20	,	,	PUNCT
fsr-4009	392	21	because	because	SCONJ
fsr-4009	392	22	they	they	PRON
fsr-4009	392	23	do	do	AUX
fsr-4009	392	24	not	not	PART
fsr-4009	392	25	have	have	VERB
fsr-4009	392	26	a	a	DET
fsr-4009	392	27	spouse	spouse	NOUN
fsr-4009	392	28	or	or	CCONJ
fsr-4009	392	29	partner	partner	NOUN
fsr-4009	392	30	to	to	PART
fsr-4009	392	31	rely	rely	VERB
fsr-4009	392	32	on	on	ADP
fsr-4009	392	33	for	for	ADP
fsr-4009	392	34	financial	financial	ADJ
fsr-4009	392	35	help	help	NOUN
fsr-4009	392	36	.	.	PUNCT
fsr-4009	393	1	they	they	PRON
fsr-4009	393	2	understand	understand	VERB
fsr-4009	393	3	the	the	DET
fsr-4009	393	4	significance	significance	NOUN
fsr-4009	393	5	of	of	ADP
fsr-4009	393	6	making	make	VERB
fsr-4009	393	7	a	a	DET
fsr-4009	393	8	nest	nest	NOUN
fsr-4009	393	9	egg	egg	NOUN
fsr-4009	393	10	to	to	PART
fsr-4009	393	11	provide	provide	VERB
fsr-4009	393	12	for	for	ADP
fsr-4009	393	13	themselves	themselves	PRON
fsr-4009	393	14	in	in	ADP
fsr-4009	393	15	the	the	DET
fsr-4009	393	16	future	future	NOUN
fsr-4009	393	17	.	.	PUNCT
fsr-4009	394	1	another	another	DET
fsr-4009	394	2	reason	reason	NOUN
fsr-4009	394	3	for	for	ADP
fsr-4009	394	4	participation	participation	NOUN
fsr-4009	394	5	of	of	ADP
fsr-4009	394	6	single	single	ADJ
fsr-4009	394	7	women	woman	NOUN
fsr-4009	394	8	in	in	ADP
fsr-4009	394	9	employer	employer	NOUN
fsr-4009	394	10	-	-	PUNCT
fsr-4009	394	11	sponsored	sponsor	VERB
fsr-4009	394	12	retirement	retirement	NOUN
fsr-4009	394	13	plans	plan	NOUN
fsr-4009	394	14	is	be	AUX
fsr-4009	394	15	their	their	PRON
fsr-4009	394	16	ability	ability	NOUN
fsr-4009	394	17	to	to	PART
fsr-4009	394	18	access	access	VERB
fsr-4009	394	19	and	and	CCONJ
fsr-4009	394	20	use	use	VERB
fsr-4009	394	21	retirement	retirement	NOUN
fsr-4009	394	22	plans	plan	NOUN
fsr-4009	394	23	offered	offer	VERB
fsr-4009	394	24	by	by	ADP
fsr-4009	394	25	their	their	PRON
fsr-4009	394	26	employers	employer	NOUN
fsr-4009	394	27	.	.	PUNCT
fsr-4009	395	1	in	in	ADP
fsr-4009	395	2	contrast	contrast	NOUN
fsr-4009	395	3	,	,	PUNCT
fsr-4009	395	4	some	some	DET
fsr-4009	395	5	married	married	ADJ
fsr-4009	395	6	women	woman	NOUN
fsr-4009	395	7	may	may	AUX
fsr-4009	395	8	rely	rely	VERB
fsr-4009	395	9	on	on	ADP
fsr-4009	395	10	their	their	PRON
fsr-4009	395	11	spouse	spouse	NOUN
fsr-4009	395	12	's	's	PART
fsr-4009	395	13	retirement	retirement	NOUN
fsr-4009	395	14	plans	plan	NOUN
fsr-4009	395	15	.	.	PUNCT
fsr-4009	396	1	moreover	moreover	ADV
fsr-4009	396	2	,	,	PUNCT
fsr-4009	396	3	women	woman	NOUN
fsr-4009	396	4	generally	generally	ADV
fsr-4009	396	5	have	have	VERB
fsr-4009	396	6	longer	long	ADJ
fsr-4009	396	7	lifespans	lifespan	NOUN
fsr-4009	396	8	than	than	ADP
fsr-4009	396	9	men	man	NOUN
fsr-4009	396	10	(	(	PUNCT
fsr-4009	396	11	maklakov	maklakov	NOUN
fsr-4009	396	12	and	and	CCONJ
fsr-4009	396	13	lummaa	lummaa	ADJ
fsr-4009	396	14	,	,	PUNCT
fsr-4009	396	15	2013	2013	NUM
fsr-4009	396	16	)	)	PUNCT
fsr-4009	396	17	.	.	PUNCT
fsr-4009	397	1	this	this	DET
fsr-4009	397	2	longer	long	ADJ
fsr-4009	397	3	life	life	NOUN
fsr-4009	397	4	expectancy	expectancy	NOUN
fsr-4009	397	5	may	may	AUX
fsr-4009	397	6	motivate	motivate	VERB
fsr-4009	397	7	single	single	ADJ
fsr-4009	397	8	women	woman	NOUN
fsr-4009	397	9	to	to	PART
fsr-4009	397	10	participate	participate	VERB
fsr-4009	397	11	in	in	ADP
fsr-4009	397	12	retirement	retirement	NOUN
fsr-4009	397	13	plans	plan	NOUN
fsr-4009	397	14	to	to	PART
fsr-4009	397	15	ensure	ensure	VERB
fsr-4009	397	16	they	they	PRON
fsr-4009	397	17	have	have	VERB
fsr-4009	397	18	sufficient	sufficient	ADJ
fsr-4009	397	19	funds	fund	NOUN
fsr-4009	397	20	to	to	PART
fsr-4009	397	21	support	support	VERB
fsr-4009	397	22	themselves	themselves	PRON
fsr-4009	397	23	later	later	ADV
fsr-4009	397	24	.	.	PUNCT
fsr-4009	398	1	limitations	limitation	NOUN
fsr-4009	398	2	one	one	NUM
fsr-4009	398	3	of	of	ADP
fsr-4009	398	4	the	the	DET
fsr-4009	398	5	limitations	limitation	NOUN
fsr-4009	398	6	of	of	ADP
fsr-4009	398	7	this	this	DET
fsr-4009	398	8	study	study	NOUN
fsr-4009	398	9	is	be	AUX
fsr-4009	398	10	that	that	SCONJ
fsr-4009	398	11	the	the	DET
fsr-4009	398	12	nfcs	nfc	NOUN
fsr-4009	398	13	does	do	AUX
fsr-4009	398	14	not	not	PART
fsr-4009	398	15	contain	contain	VERB
fsr-4009	398	16	information	information	NOUN
fsr-4009	398	17	about	about	ADP
fsr-4009	398	18	the	the	DET
fsr-4009	398	19	dollar	dollar	NOUN
fsr-4009	398	20	amount	amount	NOUN
fsr-4009	398	21	of	of	ADP
fsr-4009	398	22	retirement	retirement	NOUN
fsr-4009	398	23	savings	saving	NOUN
fsr-4009	398	24	in	in	ADP
fsr-4009	398	25	employersponsored	employersponsored	ADJ
fsr-4009	398	26	plans	plan	NOUN
fsr-4009	398	27	.	.	PUNCT
fsr-4009	399	1	this	this	PRON
fsr-4009	399	2	limits	limit	VERB
fsr-4009	399	3	the	the	DET
fsr-4009	399	4	ability	ability	NOUN
fsr-4009	399	5	to	to	PART
fsr-4009	399	6	draw	draw	VERB
fsr-4009	399	7	comprehensive	comprehensive	ADJ
fsr-4009	399	8	inferences	inference	NOUN
fsr-4009	399	9	about	about	ADP
fsr-4009	399	10	the	the	DET
fsr-4009	399	11	financial	financial	ADJ
fsr-4009	399	12	readiness	readiness	NOUN
fsr-4009	399	13	of	of	ADP
fsr-4009	399	14	single	single	ADJ
fsr-4009	399	15	individuals	individual	NOUN
fsr-4009	399	16	for	for	ADP
fsr-4009	399	17	retirement	retirement	NOUN
fsr-4009	399	18	.	.	PUNCT
fsr-4009	400	1	another	another	DET
fsr-4009	400	2	limitation	limitation	NOUN
fsr-4009	400	3	is	be	AUX
fsr-4009	400	4	the	the	DET
fsr-4009	400	5	use	use	NOUN
fsr-4009	400	6	of	of	ADP
fsr-4009	400	7	cross	cross	ADJ
fsr-4009	400	8	-	-	ADJ
fsr-4009	400	9	sectional	sectional	ADJ
fsr-4009	400	10	data	datum	NOUN
fsr-4009	400	11	which	which	PRON
fsr-4009	400	12	does	do	AUX
fsr-4009	400	13	not	not	PART
fsr-4009	400	14	allow	allow	VERB
fsr-4009	400	15	causal	causal	ADJ
fsr-4009	400	16	inference	inference	NOUN
fsr-4009	400	17	.	.	PUNCT
fsr-4009	401	1	the	the	DET
fsr-4009	401	2	data	datum	NOUN
fsr-4009	401	3	provides	provide	VERB
fsr-4009	401	4	a	a	DET
fsr-4009	401	5	snapshot	snapshot	NOUN
fsr-4009	401	6	of	of	ADP
fsr-4009	401	7	the	the	DET
fsr-4009	401	8	participation	participation	NOUN
fsr-4009	401	9	in	in	ADP
fsr-4009	401	10	employer	employer	NOUN
fsr-4009	401	11	-	-	PUNCT
fsr-4009	401	12	sponsored	sponsor	VERB
fsr-4009	401	13	retirement	retirement	NOUN
fsr-4009	401	14	plans	plan	NOUN
fsr-4009	401	15	at	at	ADP
fsr-4009	401	16	a	a	DET
fsr-4009	401	17	single	single	ADJ
fsr-4009	401	18	point	point	NOUN
fsr-4009	401	19	in	in	ADP
fsr-4009	401	20	time	time	NOUN
fsr-4009	401	21	,	,	PUNCT
fsr-4009	401	22	which	which	PRON
fsr-4009	401	23	means	mean	VERB
fsr-4009	401	24	that	that	SCONJ
fsr-4009	401	25	any	any	DET
fsr-4009	401	26	observed	observed	ADJ
fsr-4009	401	27	relationships	relationship	NOUN
fsr-4009	401	28	between	between	ADP
fsr-4009	401	29	explanatory	explanatory	ADJ
fsr-4009	401	30	variables	variable	NOUN
fsr-4009	401	31	and	and	CCONJ
fsr-4009	401	32	retirement	retirement	NOUN
fsr-4009	401	33	plan	plan	NOUN
fsr-4009	401	34	participation	participation	NOUN
fsr-4009	401	35	may	may	AUX
fsr-4009	401	36	not	not	PART
fsr-4009	401	37	necessarily	necessarily	ADV
fsr-4009	401	38	suggest	suggest	VERB
fsr-4009	401	39	causation	causation	NOUN
fsr-4009	401	40	.	.	PUNCT
fsr-4009	402	1	longitudinal	longitudinal	ADJ
fsr-4009	402	2	data	datum	NOUN
fsr-4009	402	3	would	would	AUX
fsr-4009	402	4	be	be	AUX
fsr-4009	402	5	financial	financial	ADJ
fsr-4009	402	6	services	service	NOUN
fsr-4009	402	7	review	review	NOUN
fsr-4009	402	8	,	,	PUNCT
fsr-4009	402	9	33(2	33(2	NUM
fsr-4009	402	10	)	)	PUNCT
fsr-4009	402	11	162	162	NUM
fsr-4009	402	12	more	more	ADV
fsr-4009	402	13	appropriate	appropriate	ADJ
fsr-4009	402	14	for	for	ADP
fsr-4009	402	15	examining	examine	VERB
fsr-4009	402	16	causal	causal	ADJ
fsr-4009	402	17	relationships	relationship	NOUN
fsr-4009	402	18	but	but	CCONJ
fsr-4009	402	19	is	be	AUX
fsr-4009	402	20	not	not	PART
fsr-4009	402	21	available	available	ADJ
fsr-4009	402	22	for	for	ADP
fsr-4009	402	23	all	all	DET
fsr-4009	402	24	relevant	relevant	ADJ
fsr-4009	402	25	variables	variable	NOUN
fsr-4009	402	26	.	.	PUNCT
fsr-4009	403	1	the	the	DET
fsr-4009	403	2	decision	decision	NOUN
fsr-4009	403	3	to	to	PART
fsr-4009	403	4	use	use	VERB
fsr-4009	403	5	the	the	DET
fsr-4009	403	6	2021	2021	NUM
fsr-4009	403	7	nfcs	nfc	NOUN
fsr-4009	403	8	data	datum	NOUN
fsr-4009	403	9	was	be	AUX
fsr-4009	403	10	driven	drive	VERB
fsr-4009	403	11	by	by	ADP
fsr-4009	403	12	its	its	PRON
fsr-4009	403	13	comprehensive	comprehensive	ADJ
fsr-4009	403	14	coverage	coverage	NOUN
fsr-4009	403	15	of	of	ADP
fsr-4009	403	16	financial	financial	ADJ
fsr-4009	403	17	literacy	literacy	NOUN
fsr-4009	403	18	,	,	PUNCT
fsr-4009	403	19	risk	risk	NOUN
fsr-4009	403	20	tolerance	tolerance	NOUN
fsr-4009	403	21	,	,	PUNCT
fsr-4009	403	22	and	and	CCONJ
fsr-4009	403	23	demographic	demographic	ADJ
fsr-4009	403	24	and	and	CCONJ
fsr-4009	403	25	economic	economic	ADJ
fsr-4009	403	26	variables	variable	NOUN
fsr-4009	403	27	pertinent	pertinent	ADJ
fsr-4009	403	28	to	to	ADP
fsr-4009	403	29	the	the	DET
fsr-4009	403	30	study	study	NOUN
fsr-4009	403	31	.	.	PUNCT
fsr-4009	404	1	future	future	ADJ
fsr-4009	404	2	research	research	NOUN
fsr-4009	404	3	could	could	AUX
fsr-4009	404	4	address	address	VERB
fsr-4009	404	5	this	this	PRON
fsr-4009	404	6	by	by	ADP
fsr-4009	404	7	utilizing	utilize	VERB
fsr-4009	404	8	longitudinal	longitudinal	ADJ
fsr-4009	404	9	data	datum	NOUN
fsr-4009	404	10	to	to	PART
fsr-4009	404	11	track	track	VERB
fsr-4009	404	12	individuals	individual	NOUN
fsr-4009	404	13	over	over	ADP
fsr-4009	404	14	time	time	NOUN
fsr-4009	404	15	,	,	PUNCT
fsr-4009	404	16	allowing	allow	VERB
fsr-4009	404	17	for	for	ADP
fsr-4009	404	18	the	the	DET
fsr-4009	404	19	identification	identification	NOUN
fsr-4009	404	20	of	of	ADP
fsr-4009	404	21	causal	causal	ADJ
fsr-4009	404	22	relationships	relationship	NOUN
fsr-4009	404	23	between	between	ADP
fsr-4009	404	24	financial	financial	ADJ
fsr-4009	404	25	literacy	literacy	NOUN
fsr-4009	404	26	,	,	PUNCT
fsr-4009	404	27	other	other	ADJ
fsr-4009	404	28	variables	variable	NOUN
fsr-4009	404	29	,	,	PUNCT
fsr-4009	404	30	and	and	CCONJ
fsr-4009	404	31	retirement	retirement	NOUN
fsr-4009	404	32	plan	plan	NOUN
fsr-4009	404	33	participation	participation	NOUN
fsr-4009	404	34	.	.	PUNCT
fsr-4009	405	1	the	the	DET
fsr-4009	405	2	study	study	NOUN
fsr-4009	405	3	focuses	focus	VERB
fsr-4009	405	4	on	on	ADP
fsr-4009	405	5	financial	financial	ADJ
fsr-4009	405	6	literacy	literacy	NOUN
fsr-4009	405	7	and	and	CCONJ
fsr-4009	405	8	other	other	ADJ
fsr-4009	405	9	demographic	demographic	ADJ
fsr-4009	405	10	and	and	CCONJ
fsr-4009	405	11	economic	economic	ADJ
fsr-4009	405	12	variables	variable	NOUN
fsr-4009	405	13	.	.	PUNCT
fsr-4009	406	1	however	however	ADV
fsr-4009	406	2	,	,	PUNCT
fsr-4009	406	3	another	another	DET
fsr-4009	406	4	limitation	limitation	NOUN
fsr-4009	406	5	of	of	ADP
fsr-4009	406	6	this	this	DET
fsr-4009	406	7	study	study	NOUN
fsr-4009	406	8	is	be	AUX
fsr-4009	406	9	that	that	SCONJ
fsr-4009	406	10	other	other	ADJ
fsr-4009	406	11	important	important	ADJ
fsr-4009	406	12	factors	factor	NOUN
fsr-4009	406	13	are	be	AUX
fsr-4009	406	14	omitted	omit	VERB
fsr-4009	406	15	that	that	PRON
fsr-4009	406	16	may	may	AUX
fsr-4009	406	17	influence	influence	VERB
fsr-4009	406	18	retirement	retirement	NOUN
fsr-4009	406	19	plan	plan	NOUN
fsr-4009	406	20	participation	participation	NOUN
fsr-4009	406	21	,	,	PUNCT
fsr-4009	406	22	such	such	ADJ
fsr-4009	406	23	as	as	ADP
fsr-4009	406	24	future	future	ADJ
fsr-4009	406	25	time	time	NOUN
fsr-4009	406	26	perspective	perspective	NOUN
fsr-4009	406	27	,	,	PUNCT
fsr-4009	406	28	peer	peer	NOUN
fsr-4009	406	29	effects	effect	NOUN
fsr-4009	406	30	,	,	PUNCT
fsr-4009	406	31	workplace	workplace	NOUN
fsr-4009	406	32	characteristics	characteristic	NOUN
fsr-4009	406	33	,	,	PUNCT
fsr-4009	406	34	employer	employer	NOUN
fsr-4009	406	35	matching	matching	NOUN
fsr-4009	406	36	contributions	contribution	NOUN
fsr-4009	406	37	,	,	PUNCT
fsr-4009	406	38	and	and	CCONJ
fsr-4009	406	39	job	job	NOUN
fsr-4009	406	40	stability	stability	NOUN
fsr-4009	406	41	.	.	PUNCT
fsr-4009	407	1	the	the	DET
fsr-4009	407	2	exclusion	exclusion	NOUN
fsr-4009	407	3	of	of	ADP
fsr-4009	407	4	these	these	DET
fsr-4009	407	5	variables	variable	NOUN
fsr-4009	407	6	may	may	AUX
fsr-4009	407	7	lead	lead	VERB
fsr-4009	407	8	to	to	ADP
fsr-4009	407	9	omitted	omit	VERB
fsr-4009	407	10	variable	variable	ADJ
fsr-4009	407	11	bias	bias	NOUN
fsr-4009	407	12	.	.	PUNCT
fsr-4009	408	1	they	they	PRON
fsr-4009	408	2	are	be	AUX
fsr-4009	408	3	not	not	PART
fsr-4009	408	4	available	available	ADJ
fsr-4009	408	5	in	in	ADP
fsr-4009	408	6	the	the	DET
fsr-4009	408	7	data	datum	NOUN
fsr-4009	408	8	.	.	PUNCT
fsr-4009	409	1	in	in	ADP
fsr-4009	409	2	addition	addition	NOUN
fsr-4009	409	3	,	,	PUNCT
fsr-4009	409	4	the	the	DET
fsr-4009	409	5	measure	measure	NOUN
fsr-4009	409	6	of	of	ADP
fsr-4009	409	7	financial	financial	ADJ
fsr-4009	409	8	literacy	literacy	NOUN
fsr-4009	409	9	used	use	VERB
fsr-4009	409	10	in	in	ADP
fsr-4009	409	11	the	the	DET
fsr-4009	409	12	nfcs	nfc	NOUN
fsr-4009	409	13	may	may	AUX
fsr-4009	409	14	not	not	PART
fsr-4009	409	15	capture	capture	VERB
fsr-4009	409	16	all	all	DET
fsr-4009	409	17	dimensions	dimension	NOUN
fsr-4009	409	18	of	of	ADP
fsr-4009	409	19	financial	financial	ADJ
fsr-4009	409	20	knowledge	knowledge	NOUN
fsr-4009	409	21	and	and	CCONJ
fsr-4009	409	22	skills	skill	NOUN
fsr-4009	409	23	relevant	relevant	ADJ
fsr-4009	409	24	to	to	ADP
fsr-4009	409	25	retirement	retirement	NOUN
fsr-4009	409	26	planning	planning	NOUN
fsr-4009	409	27	.	.	PUNCT
fsr-4009	410	1	the	the	DET
fsr-4009	410	2	financial	financial	ADJ
fsr-4009	410	3	literacy	literacy	NOUN
fsr-4009	410	4	questions	question	NOUN
fsr-4009	410	5	are	be	AUX
fsr-4009	410	6	limited	limit	VERB
fsr-4009	410	7	in	in	ADP
fsr-4009	410	8	scope	scope	NOUN
fsr-4009	410	9	and	and	CCONJ
fsr-4009	410	10	may	may	AUX
fsr-4009	410	11	not	not	PART
fsr-4009	410	12	fully	fully	ADV
fsr-4009	410	13	reflect	reflect	VERB
fsr-4009	410	14	an	an	DET
fsr-4009	410	15	individual	individual	NOUN
fsr-4009	410	16	’s	’s	PART
fsr-4009	410	17	comprehensive	comprehensive	ADJ
fsr-4009	410	18	understanding	understanding	NOUN
fsr-4009	410	19	of	of	ADP
fsr-4009	410	20	financial	financial	ADJ
fsr-4009	410	21	concepts	concept	NOUN
fsr-4009	410	22	.	.	PUNCT
fsr-4009	411	1	finally	finally	ADV
fsr-4009	411	2	,	,	PUNCT
fsr-4009	411	3	the	the	DET
fsr-4009	411	4	oaxaca	oaxaca	PROPN
fsr-4009	411	5	decomposition	decomposition	NOUN
fsr-4009	411	6	method	method	NOUN
fsr-4009	411	7	assumes	assume	VERB
fsr-4009	411	8	that	that	SCONJ
fsr-4009	411	9	the	the	DET
fsr-4009	411	10	differences	difference	NOUN
fsr-4009	411	11	in	in	ADP
fsr-4009	411	12	retirement	retirement	NOUN
fsr-4009	411	13	plan	plan	NOUN
fsr-4009	411	14	participation	participation	NOUN
fsr-4009	411	15	can	can	AUX
fsr-4009	411	16	be	be	AUX
fsr-4009	411	17	decomposed	decompose	VERB
fsr-4009	411	18	into	into	ADP
fsr-4009	411	19	explained	explain	VERB
fsr-4009	411	20	and	and	CCONJ
fsr-4009	411	21	unexplained	unexplained	ADJ
fsr-4009	411	22	components	component	NOUN
fsr-4009	411	23	based	base	VERB
fsr-4009	411	24	on	on	ADP
fsr-4009	411	25	observable	observable	ADJ
fsr-4009	411	26	variables	variable	NOUN
fsr-4009	411	27	.	.	PUNCT
fsr-4009	412	1	this	this	DET
fsr-4009	412	2	method	method	NOUN
fsr-4009	412	3	relies	rely	VERB
fsr-4009	412	4	on	on	ADP
fsr-4009	412	5	the	the	DET
fsr-4009	412	6	assumption	assumption	NOUN
fsr-4009	412	7	that	that	SCONJ
fsr-4009	412	8	the	the	DET
fsr-4009	412	9	model	model	NOUN
fsr-4009	412	10	is	be	AUX
fsr-4009	412	11	correctly	correctly	ADV
fsr-4009	412	12	specified	specify	VERB
fsr-4009	412	13	and	and	CCONJ
fsr-4009	412	14	that	that	SCONJ
fsr-4009	412	15	all	all	DET
fsr-4009	412	16	relevant	relevant	ADJ
fsr-4009	412	17	variables	variable	NOUN
fsr-4009	412	18	are	be	AUX
fsr-4009	412	19	included	include	VERB
fsr-4009	412	20	.	.	PUNCT
fsr-4009	413	1	one	one	NUM
fsr-4009	413	2	important	important	ADJ
fsr-4009	413	3	limitation	limitation	NOUN
fsr-4009	413	4	of	of	ADP
fsr-4009	413	5	this	this	DET
fsr-4009	413	6	method	method	NOUN
fsr-4009	413	7	is	be	AUX
fsr-4009	413	8	its	its	PRON
fsr-4009	413	9	assumption	assumption	NOUN
fsr-4009	413	10	that	that	SCONJ
fsr-4009	413	11	the	the	DET
fsr-4009	413	12	estimated	estimate	VERB
fsr-4009	413	13	coefficients	coefficient	NOUN
fsr-4009	413	14	accurately	accurately	ADV
fsr-4009	413	15	reflect	reflect	VERB
fsr-4009	413	16	true	true	ADJ
fsr-4009	413	17	returns	return	NOUN
fsr-4009	413	18	to	to	ADP
fsr-4009	413	19	the	the	DET
fsr-4009	413	20	explanatory	explanatory	ADJ
fsr-4009	413	21	variables	variable	NOUN
fsr-4009	413	22	without	without	ADP
fsr-4009	413	23	bias	bias	NOUN
fsr-4009	413	24	.	.	PUNCT
fsr-4009	414	1	however	however	ADV
fsr-4009	414	2	,	,	PUNCT
fsr-4009	414	3	if	if	SCONJ
fsr-4009	414	4	the	the	DET
fsr-4009	414	5	model	model	NOUN
fsr-4009	414	6	is	be	AUX
fsr-4009	414	7	mis	mi	NOUN
fsr-4009	414	8	-	-	PUNCT
fsr-4009	414	9	specified	specify	VERB
fsr-4009	414	10	or	or	CCONJ
fsr-4009	414	11	omits	omit	VERB
fsr-4009	414	12	important	important	ADJ
fsr-4009	414	13	variables	variable	NOUN
fsr-4009	414	14	,	,	PUNCT
fsr-4009	414	15	the	the	DET
fsr-4009	414	16	resulting	result	VERB
fsr-4009	414	17	decomposition	decomposition	NOUN
fsr-4009	414	18	may	may	AUX
fsr-4009	414	19	produce	produce	VERB
fsr-4009	414	20	biased	biased	ADJ
fsr-4009	414	21	or	or	CCONJ
fsr-4009	414	22	misleading	misleading	ADJ
fsr-4009	414	23	estimates	estimate	NOUN
fsr-4009	414	24	.	.	PUNCT
fsr-4009	415	1	while	while	SCONJ
fsr-4009	415	2	the	the	DET
fsr-4009	415	3	method	method	NOUN
fsr-4009	415	4	is	be	AUX
fsr-4009	415	5	useful	useful	ADJ
fsr-4009	415	6	for	for	ADP
fsr-4009	415	7	identifying	identify	VERB
fsr-4009	415	8	gaps	gap	NOUN
fsr-4009	415	9	and	and	CCONJ
fsr-4009	415	10	their	their	PRON
fsr-4009	415	11	sources	source	NOUN
fsr-4009	415	12	,	,	PUNCT
fsr-4009	415	13	its	its	PRON
fsr-4009	415	14	results	result	NOUN
fsr-4009	415	15	should	should	AUX
fsr-4009	415	16	be	be	AUX
fsr-4009	415	17	interpreted	interpret	VERB
fsr-4009	415	18	with	with	ADP
fsr-4009	415	19	caution	caution	NOUN
fsr-4009	415	20	.	.	PUNCT
fsr-4009	416	1	while	while	SCONJ
fsr-4009	416	2	the	the	DET
fsr-4009	416	3	study	study	NOUN
fsr-4009	416	4	advocates	advocate	VERB
fsr-4009	416	5	financial	financial	ADJ
fsr-4009	416	6	literacy	literacy	NOUN
fsr-4009	416	7	programs	program	NOUN
fsr-4009	416	8	and	and	CCONJ
fsr-4009	416	9	tailored	tailor	VERB
fsr-4009	416	10	retirement	retirement	NOUN
fsr-4009	416	11	planning	planning	NOUN
fsr-4009	416	12	strategies	strategy	NOUN
fsr-4009	416	13	,	,	PUNCT
fsr-4009	416	14	the	the	DET
fsr-4009	416	15	implementation	implementation	NOUN
fsr-4009	416	16	and	and	CCONJ
fsr-4009	416	17	effectiveness	effectiveness	NOUN
fsr-4009	416	18	of	of	ADP
fsr-4009	416	19	these	these	DET
fsr-4009	416	20	recommendations	recommendation	NOUN
fsr-4009	416	21	are	be	AUX
fsr-4009	416	22	not	not	PART
fsr-4009	416	23	measured	measure	VERB
fsr-4009	416	24	.	.	PUNCT
fsr-4009	417	1	future	future	ADJ
fsr-4009	417	2	research	research	NOUN
fsr-4009	417	3	should	should	AUX
fsr-4009	417	4	assess	assess	VERB
fsr-4009	417	5	the	the	DET
fsr-4009	417	6	impact	impact	NOUN
fsr-4009	417	7	of	of	ADP
fsr-4009	417	8	specific	specific	ADJ
fsr-4009	417	9	interventions	intervention	NOUN
fsr-4009	417	10	intended	intend	VERB
fsr-4009	417	11	to	to	PART
fsr-4009	417	12	increase	increase	VERB
fsr-4009	417	13	retirement	retirement	NOUN
fsr-4009	417	14	plan	plan	NOUN
fsr-4009	417	15	participation	participation	NOUN
fsr-4009	417	16	and	and	CCONJ
fsr-4009	417	17	reduce	reduce	VERB
fsr-4009	417	18	the	the	DET
fsr-4009	417	19	gender	gender	NOUN
fsr-4009	417	20	gap	gap	NOUN
fsr-4009	417	21	.	.	PUNCT
fsr-4009	418	1	references	reference	NOUN
fsr-4009	418	2	anderson	anderson	PROPN
fsr-4009	418	3	,	,	PUNCT
fsr-4009	418	4	d.	d.	PROPN
fsr-4009	418	5	,	,	PUNCT
fsr-4009	418	6	&	&	CCONJ
fsr-4009	418	7	collins	collins	PROPN
fsr-4009	418	8	,	,	PUNCT
fsr-4009	418	9	j.	j.	PROPN
fsr-4009	418	10	m.	m.	PROPN
fsr-4009	418	11	(	(	PUNCT
fsr-4009	418	12	2017	2017	NUM
fsr-4009	418	13	)	)	PUNCT
fsr-4009	418	14	.	.	PUNCT
fsr-4009	419	1	can	can	AUX
fsr-4009	419	2	knowledge	knowledge	VERB
fsr-4009	419	3	empower	empower	NOUN
fsr-4009	419	4	women	woman	NOUN
fsr-4009	419	5	to	to	PART
fsr-4009	419	6	save	save	VERB
fsr-4009	419	7	more	more	ADJ
fsr-4009	419	8	for	for	ADP
fsr-4009	419	9	retirement	retirement	NOUN
fsr-4009	419	10	?	?	PUNCT
fsr-4009	420	1	(	(	PUNCT
fsr-4009	420	2	ssrn	ssrn	PROPN
fsr-4009	420	3	scholarly	scholarly	ADJ
fsr-4009	420	4	paper	paper	NOUN
fsr-4009	420	5	i	i	PROPN
fsr-4009	420	6	d	d	PROPN
fsr-4009	420	7	3045306	3045306	NUM
fsr-4009	420	8	)	)	PUNCT
fsr-4009	420	9	.	.	PUNCT
fsr-4009	421	1	social	social	ADJ
fsr-4009	421	2	science	science	PROPN
fsr-4009	421	3	research	research	NOUN
fsr-4009	421	4	network	network	NOUN
fsr-4009	421	5	.	.	PUNCT
fsr-4009	422	1	https://doi.org/10.2139/ssrn.3045306	https://doi.org/10.2139/ssrn.3045306	PROPN
fsr-4009	422	2	ando	ando	PROPN
fsr-4009	422	3	,	,	PUNCT
fsr-4009	422	4	a.	a.	PROPN
fsr-4009	422	5	,	,	PUNCT
fsr-4009	422	6	&	&	CCONJ
fsr-4009	422	7	modigliani	modigliani	PROPN
fsr-4009	422	8	,	,	PUNCT
fsr-4009	422	9	f.	f.	PROPN
fsr-4009	422	10	(	(	PUNCT
fsr-4009	422	11	1963	1963	NUM
fsr-4009	422	12	)	)	PUNCT
fsr-4009	422	13	.	.	PUNCT
fsr-4009	423	1	the	the	DET
fsr-4009	423	2	“	"	PUNCT
fsr-4009	423	3	life	life	NOUN
fsr-4009	423	4	cycle	cycle	NOUN
fsr-4009	423	5	”	"	PUNCT
fsr-4009	423	6	hypothesis	hypothesis	NOUN
fsr-4009	423	7	of	of	ADP
fsr-4009	423	8	saving	saving	NOUN
fsr-4009	423	9	:	:	PUNCT
fsr-4009	423	10	aggregate	aggregate	VERB
fsr-4009	423	11	implications	implication	NOUN
fsr-4009	423	12	and	and	CCONJ
fsr-4009	423	13	tests	test	NOUN
fsr-4009	423	14	.	.	PUNCT
fsr-4009	424	1	the	the	DET
fsr-4009	424	2	american	american	PROPN
fsr-4009	424	3	economic	economic	PROPN
fsr-4009	424	4	review	review	PROPN
fsr-4009	424	5	,	,	PUNCT
fsr-4009	424	6	53(1	53(1	NOUN
fsr-4009	424	7	)	)	PUNCT
fsr-4009	424	8	,	,	PUNCT
fsr-4009	424	9	55–84	55–84	NOUN
fsr-4009	424	10	.	.	PUNCT
fsr-4009	424	11	anspal	anspal	NOUN
fsr-4009	424	12	,	,	PUNCT
fsr-4009	424	13	s.	s.	PROPN
fsr-4009	424	14	(	(	PUNCT
fsr-4009	424	15	2015	2015	NUM
fsr-4009	424	16	)	)	PUNCT
fsr-4009	424	17	.	.	PUNCT
fsr-4009	425	1	the	the	DET
fsr-4009	425	2	gender	gender	NOUN
fsr-4009	425	3	wage	wage	NOUN
fsr-4009	425	4	gap	gap	NOUN
fsr-4009	425	5	in	in	ADP
fsr-4009	425	6	estonia	estonia	PROPN
fsr-4009	425	7	:	:	PUNCT
fsr-4009	425	8	a	a	DET
fsr-4009	425	9	non	non	ADJ
fsr-4009	425	10	-	-	ADJ
fsr-4009	425	11	parametric	parametric	ADJ
fsr-4009	425	12	decomposition	decomposition	NOUN
fsr-4009	425	13	.	.	PUNCT
fsr-4009	426	1	baltic	baltic	PROPN
fsr-4009	426	2	journal	journal	PROPN
fsr-4009	426	3	of	of	ADP
fsr-4009	426	4	economics	economic	NOUN
fsr-4009	426	5	,	,	PUNCT
fsr-4009	426	6	15(1	15(1	NUM
fsr-4009	426	7	)	)	PUNCT
fsr-4009	426	8	,	,	PUNCT
fsr-4009	426	9	1–16	1–16	PROPN
fsr-4009	426	10	.	.	PUNCT
fsr-4009	427	1	https://doi.org/10.1080/1406099x.2015	https://doi.org/10.1080/1406099x.2015	PROPN
fsr-4009	427	2	.	.	PUNCT
fsr-4009	428	1	1022436	1022436	NUM
fsr-4009	428	2	bajtelsmit	bajtelsmit	NOUN
fsr-4009	428	3	,	,	PUNCT
fsr-4009	428	4	v.	v.	PROPN
fsr-4009	428	5	l.	l.	PROPN
fsr-4009	428	6	,	,	PUNCT
fsr-4009	428	7	&	&	CCONJ
fsr-4009	428	8	bernasek	bernasek	PROPN
fsr-4009	428	9	,	,	PUNCT
fsr-4009	428	10	a.	a.	NOUN
fsr-4009	428	11	(	(	PUNCT
fsr-4009	428	12	1996	1996	NUM
fsr-4009	428	13	)	)	PUNCT
fsr-4009	428	14	.	.	PUNCT
fsr-4009	429	1	why	why	SCONJ
fsr-4009	429	2	do	do	AUX
fsr-4009	429	3	women	woman	NOUN
fsr-4009	429	4	invest	invest	VERB
fsr-4009	429	5	differently	differently	ADV
fsr-4009	429	6	than	than	ADP
fsr-4009	429	7	men	man	NOUN
fsr-4009	429	8	?	?	PUNCT
fsr-4009	430	1	financial	financial	ADJ
fsr-4009	430	2	counseling	counseling	NOUN
fsr-4009	430	3	and	and	CCONJ
fsr-4009	430	4	planning	planning	NOUN
fsr-4009	430	5	,	,	PUNCT
fsr-4009	430	6	7	7	NUM
fsr-4009	430	7	,	,	PUNCT
fsr-4009	430	8	1	1	NUM
fsr-4009	430	9	-	-	SYM
fsr-4009	430	10	10	10	NUM
fsr-4009	430	11	.	.	PUNCT
fsr-4009	431	1	bajtelsmit	bajtelsmit	NOUN
fsr-4009	431	2	,	,	PUNCT
fsr-4009	431	3	v.	v.	PROPN
fsr-4009	431	4	l.	l.	PROPN
fsr-4009	431	5	,	,	PUNCT
fsr-4009	431	6	&	&	CCONJ
fsr-4009	431	7	vanderhei	vanderhei	PROPN
fsr-4009	431	8	,	,	PUNCT
fsr-4009	431	9	j.	j.	PROPN
fsr-4009	431	10	l.	l.	PROPN
fsr-4009	431	11	(	(	PUNCT
fsr-4009	431	12	1997	1997	NUM
fsr-4009	431	13	)	)	PUNCT
fsr-4009	431	14	.	.	PUNCT
fsr-4009	432	1	risk	risk	NOUN
fsr-4009	432	2	aversion	aversion	NOUN
fsr-4009	432	3	and	and	CCONJ
fsr-4009	432	4	pension	pension	NOUN
fsr-4009	432	5	investment	investment	NOUN
fsr-4009	432	6	choices	choice	NOUN
fsr-4009	432	7	.	.	PUNCT
fsr-4009	433	1	in	in	ADP
fsr-4009	433	2	m.	m.	PROPN
fsr-4009	433	3	s.	s.	PROPN
fsr-4009	433	4	gordon	gordon	PROPN
fsr-4009	433	5	,	,	PUNCT
fsr-4009	433	6	o.	o.	PROPN
fsr-4009	433	7	s.	s.	PROPN
fsr-4009	433	8	mitchell	mitchell	PROPN
fsr-4009	433	9	,	,	PUNCT
fsr-4009	433	10	&	&	CCONJ
fsr-4009	433	11	m.	m.	PROPN
fsr-4009	433	12	m.	m.	PROPN
fsr-4009	433	13	twinney	twinney	PROPN
fsr-4009	433	14	(	(	PUNCT
fsr-4009	433	15	eds	ed	NOUN
fsr-4009	433	16	.	.	PUNCT
fsr-4009	433	17	)	)	PUNCT
fsr-4009	433	18	,	,	PUNCT
fsr-4009	433	19	positioning	position	VERB
fsr-4009	433	20	pensions	pension	NOUN
fsr-4009	433	21	for	for	ADP
fsr-4009	433	22	the	the	DET
fsr-4009	433	23	twenty	twenty	NUM
fsr-4009	433	24	-	-	PUNCT
fsr-4009	433	25	first	first	ADJ
fsr-4009	433	26	century	century	NOUN
fsr-4009	433	27	(	(	PUNCT
fsr-4009	433	28	pp	pp	ADJ
fsr-4009	433	29	.	.	PUNCT
fsr-4009	434	1	66–78	66–78	NOUN
fsr-4009	434	2	)	)	PUNCT
fsr-4009	434	3	.	.	PUNCT
fsr-4009	435	1	pension	pension	NOUN
fsr-4009	435	2	research	research	PROPN
fsr-4009	435	3	council	council	PROPN
fsr-4009	435	4	.	.	PUNCT
fsr-4009	436	1	becker	becker	PROPN
fsr-4009	436	2	,	,	PUNCT
fsr-4009	436	3	g.	g.	PROPN
fsr-4009	436	4	s.	s.	PROPN
fsr-4009	436	5	(	(	PUNCT
fsr-4009	436	6	1994	1994	NUM
fsr-4009	436	7	)	)	PUNCT
fsr-4009	436	8	.	.	PUNCT
fsr-4009	437	1	human	human	ADJ
fsr-4009	437	2	capital	capital	NOUN
fsr-4009	437	3	revisited	revisit	VERB
fsr-4009	437	4	.	.	PUNCT
fsr-4009	438	1	in	in	ADP
fsr-4009	438	2	human	human	ADJ
fsr-4009	438	3	capital	capital	NOUN
fsr-4009	438	4	:	:	PUNCT
fsr-4009	438	5	a	a	DET
fsr-4009	438	6	theoretical	theoretical	ADJ
fsr-4009	438	7	and	and	CCONJ
fsr-4009	438	8	empirical	empirical	ADJ
fsr-4009	438	9	analysis	analysis	NOUN
fsr-4009	438	10	with	with	ADP
fsr-4009	438	11	special	special	ADJ
fsr-4009	438	12	reference	reference	NOUN
fsr-4009	438	13	to	to	ADP
fsr-4009	438	14	education	education	NOUN
fsr-4009	438	15	(	(	PUNCT
fsr-4009	438	16	3rd	3rd	ADJ
fsr-4009	438	17	ed	ed	NOUN
fsr-4009	438	18	.	.	PROPN
fsr-4009	438	19	,	,	PUNCT
fsr-4009	438	20	pp	pp	PROPN
fsr-4009	438	21	.	.	PUNCT
fsr-4009	438	22	15–28	15–28	NUM
fsr-4009	438	23	)	)	PUNCT
fsr-4009	438	24	.	.	PUNCT
fsr-4009	439	1	the	the	DET
fsr-4009	439	2	university	university	PROPN
fsr-4009	439	3	of	of	ADP
fsr-4009	439	4	chicago	chicago	PROPN
fsr-4009	439	5	press	press	PROPN
fsr-4009	439	6	.	.	PUNCT
fsr-4009	440	1	berger	berger	PROPN
fsr-4009	440	2	,	,	PUNCT
fsr-4009	440	3	e.	e.	PROPN
fsr-4009	440	4	d.	d.	PROPN
fsr-4009	440	5	,	,	PUNCT
fsr-4009	440	6	&	&	CCONJ
fsr-4009	440	7	denton	denton	PROPN
fsr-4009	440	8	,	,	PUNCT
fsr-4009	440	9	m.	m.	NOUN
fsr-4009	440	10	a.	a.	PROPN
fsr-4009	440	11	(	(	PUNCT
fsr-4009	440	12	2004	2004	NUM
fsr-4009	440	13	)	)	PUNCT
fsr-4009	440	14	.	.	PUNCT
fsr-4009	441	1	the	the	DET
fsr-4009	441	2	interplay	interplay	NOUN
fsr-4009	441	3	between	between	ADP
fsr-4009	441	4	women	woman	NOUN
fsr-4009	441	5	's	's	PART
fsr-4009	441	6	life	life	NOUN
fsr-4009	441	7	course	course	NOUN
fsr-4009	441	8	work	work	NOUN
fsr-4009	441	9	patterns	pattern	NOUN
fsr-4009	441	10	and	and	CCONJ
fsr-4009	441	11	financial	financial	ADJ
fsr-4009	441	12	planning	planning	NOUN
fsr-4009	441	13	for	for	ADP
fsr-4009	441	14	later	later	ADJ
fsr-4009	441	15	life	life	NOUN
fsr-4009	441	16	.	.	PUNCT
fsr-4009	442	1	canadian	canadian	ADJ
fsr-4009	442	2	journal	journal	PROPN
fsr-4009	442	3	on	on	ADP
fsr-4009	442	4	aging	age	VERB
fsr-4009	442	5	/	/	SYM
fsr-4009	442	6	la	la	X
fsr-4009	442	7	revue	revue	PROPN
fsr-4009	442	8	canadienne	canadienne	PROPN
fsr-4009	442	9	du	du	PROPN
fsr-4009	442	10	vieillissement	vieillissement	NOUN
fsr-4009	442	11	,	,	PUNCT
fsr-4009	442	12	23(s1	23(s1	NUM
fsr-4009	442	13	)	)	PUNCT
fsr-4009	442	14	,	,	PUNCT
fsr-4009	442	15	s81	s81	PROPN
fsr-4009	442	16	–	–	PUNCT
fsr-4009	442	17	s95	s95	NOUN
fsr-4009	442	18	.	.	PUNCT
fsr-4009	443	1	bollen	bollen	PROPN
fsr-4009	443	2	,	,	PUNCT
fsr-4009	443	3	n.	n.	PROPN
fsr-4009	443	4	p.	p.	PROPN
fsr-4009	443	5	,	,	PUNCT
fsr-4009	443	6	&	&	CCONJ
fsr-4009	443	7	posavac	posavac	PROPN
fsr-4009	443	8	,	,	PUNCT
fsr-4009	443	9	s.	s.	PROPN
fsr-4009	443	10	(	(	PUNCT
fsr-4009	443	11	2018	2018	NUM
fsr-4009	443	12	)	)	PUNCT
fsr-4009	443	13	.	.	PUNCT
fsr-4009	444	1	gender	gender	NOUN
fsr-4009	444	2	,	,	PUNCT
fsr-4009	444	3	risk	risk	NOUN
fsr-4009	444	4	tolerance	tolerance	NOUN
fsr-4009	444	5	,	,	PUNCT
fsr-4009	444	6	and	and	CCONJ
fsr-4009	444	7	false	false	ADJ
fsr-4009	444	8	consensus	consensus	NOUN
fsr-4009	444	9	in	in	ADP
fsr-4009	444	10	asset	asset	NOUN
fsr-4009	444	11	allocation	allocation	NOUN
fsr-4009	444	12	recommendations	recommendation	NOUN
fsr-4009	444	13	.	.	PUNCT
fsr-4009	445	1	journal	journal	NOUN
fsr-4009	445	2	of	of	ADP
fsr-4009	445	3	banking	banking	NOUN
fsr-4009	445	4	&	&	CCONJ
fsr-4009	445	5	finance	finance	PROPN
fsr-4009	445	6	,	,	PUNCT
fsr-4009	445	7	87	87	NUM
fsr-4009	445	8	,	,	PUNCT
fsr-4009	445	9	304	304	NUM
fsr-4009	445	10	-	-	SYM
fsr-4009	445	11	317	317	NUM
fsr-4009	445	12	.	.	PUNCT
fsr-4009	446	1	https://doi.org/10.2139/ssrn.3045306	https://doi.org/10.2139/ssrn.3045306	ADJ
fsr-4009	446	2	https://doi.org/10.1080/1406099x.2015.1022436	https://doi.org/10.1080/1406099x.2015.1022436	X
fsr-4009	446	3	https://doi.org/10.1080/1406099x.2015.1022436	https://doi.org/10.1080/1406099x.2015.1022436	X
fsr-4009	446	4	ahmmed	ahmme	VERB
fsr-4009	446	5	et	et	PROPN
fsr-4009	446	6	al	al	PROPN
fsr-4009	446	7	.	.	PROPN
fsr-4009	446	8	163	163	NUM
fsr-4009	447	1	bucher‐koenen	bucher‐koenen	PROPN
fsr-4009	447	2	,	,	PUNCT
fsr-4009	447	3	t.	t.	PROPN
fsr-4009	447	4	,	,	PUNCT
fsr-4009	447	5	lusardi	lusardi	PROPN
fsr-4009	447	6	,	,	PUNCT
fsr-4009	447	7	a.	a.	NOUN
fsr-4009	447	8	,	,	PUNCT
fsr-4009	447	9	alessie	alessie	PROPN
fsr-4009	447	10	,	,	PUNCT
fsr-4009	447	11	r.	r.	PROPN
fsr-4009	447	12	,	,	PUNCT
fsr-4009	447	13	&	&	CCONJ
fsr-4009	447	14	van	van	PROPN
fsr-4009	447	15	rooij	rooij	NOUN
fsr-4009	447	16	,	,	PUNCT
fsr-4009	447	17	m.	m.	NOUN
fsr-4009	447	18	(	(	PUNCT
fsr-4009	447	19	2017	2017	NUM
fsr-4009	447	20	)	)	PUNCT
fsr-4009	447	21	.	.	PUNCT
fsr-4009	448	1	how	how	SCONJ
fsr-4009	448	2	financially	financially	ADV
fsr-4009	448	3	literate	literate	ADJ
fsr-4009	448	4	are	be	AUX
fsr-4009	448	5	women	woman	NOUN
fsr-4009	448	6	?	?	PUNCT
fsr-4009	449	1	an	an	DET
fsr-4009	449	2	overview	overview	NOUN
fsr-4009	449	3	and	and	CCONJ
fsr-4009	449	4	new	new	ADJ
fsr-4009	449	5	insights	insight	NOUN
fsr-4009	449	6	.	.	PUNCT
fsr-4009	450	1	journal	journal	PROPN
fsr-4009	450	2	of	of	ADP
fsr-4009	450	3	consumer	consumer	NOUN
fsr-4009	450	4	affairs	affair	NOUN
fsr-4009	450	5	,	,	PUNCT
fsr-4009	450	6	51(2	51(2	NUM
fsr-4009	450	7	)	)	PUNCT
fsr-4009	450	8	,	,	PUNCT
fsr-4009	450	9	255	255	NUM
fsr-4009	450	10	-	-	SYM
fsr-4009	450	11	283	283	NUM
fsr-4009	450	12	.	.	PUNCT
fsr-4009	451	1	https://doi.org/10.1111/joca.12142	https://doi.org/10.1111/joca.12142	PROPN
fsr-4009	451	2	chen	chen	PROPN
fsr-4009	451	3	,	,	PUNCT
fsr-4009	451	4	h.	h.	PROPN
fsr-4009	451	5	,	,	PUNCT
fsr-4009	451	6	&	&	CCONJ
fsr-4009	451	7	volpe	volpe	PROPN
fsr-4009	451	8	,	,	PUNCT
fsr-4009	451	9	r.	r.	PROPN
fsr-4009	451	10	p.	p.	PROPN
fsr-4009	451	11	(	(	PUNCT
fsr-4009	451	12	2002	2002	NUM
fsr-4009	451	13	)	)	PUNCT
fsr-4009	451	14	.	.	PUNCT
fsr-4009	452	1	gender	gender	NOUN
fsr-4009	452	2	differences	difference	NOUN
fsr-4009	452	3	in	in	ADP
fsr-4009	452	4	personal	personal	ADJ
fsr-4009	452	5	financial	financial	ADJ
fsr-4009	452	6	literacy	literacy	NOUN
fsr-4009	452	7	among	among	ADP
fsr-4009	452	8	college	college	NOUN
fsr-4009	452	9	students	student	NOUN
fsr-4009	452	10	.	.	PUNCT
fsr-4009	453	1	financial	financial	ADJ
fsr-4009	453	2	services	services	PROPN
fsr-4009	453	3	review	review	PROPN
fsr-4009	453	4	,	,	PUNCT
fsr-4009	453	5	11(3	11(3	NUM
fsr-4009	453	6	)	)	PUNCT
fsr-4009	453	7	,	,	PUNCT
fsr-4009	453	8	289–307	289–307	NUM
fsr-4009	453	9	.	.	PUNCT
fsr-4009	454	1	clark	clark	PROPN
fsr-4009	454	2	,	,	PUNCT
fsr-4009	454	3	g.	g.	PROPN
fsr-4009	454	4	l.	l.	PROPN
fsr-4009	454	5	,	,	PUNCT
fsr-4009	454	6	&	&	CCONJ
fsr-4009	454	7	strauss	strauss	PROPN
fsr-4009	454	8	,	,	PUNCT
fsr-4009	454	9	k.	k.	PROPN
fsr-4009	454	10	(	(	PUNCT
fsr-4009	454	11	2012	2012	NUM
fsr-4009	454	12	)	)	PUNCT
fsr-4009	454	13	.	.	PUNCT
fsr-4009	455	1	saving	save	VERB
fsr-4009	455	2	for	for	ADP
fsr-4009	455	3	retirement	retirement	NOUN
fsr-4009	455	4	:	:	PUNCT
fsr-4009	455	5	intention	intention	NOUN
fsr-4009	455	6	,	,	PUNCT
fsr-4009	455	7	context	context	NOUN
fsr-4009	455	8	,	,	PUNCT
fsr-4009	455	9	and	and	CCONJ
fsr-4009	455	10	behavior	behavior	NOUN
fsr-4009	455	11	.	.	PUNCT
fsr-4009	456	1	oxford	oxford	PROPN
fsr-4009	456	2	university	university	PROPN
fsr-4009	456	3	press.cordova	press.cordova	PROPN
fsr-4009	456	4	,	,	PUNCT
fsr-4009	456	5	k.	k.	PROPN
fsr-4009	456	6	,	,	PUNCT
fsr-4009	456	7	grabka	grabka	PROPN
fsr-4009	456	8	,	,	PUNCT
fsr-4009	456	9	m.	m.	NOUN
fsr-4009	456	10	m.	m.	NOUN
fsr-4009	456	11	,	,	PUNCT
fsr-4009	456	12	&	&	CCONJ
fsr-4009	456	13	sierminska	sierminska	PROPN
fsr-4009	456	14	,	,	PUNCT
fsr-4009	456	15	e.	e.	PROPN
fsr-4009	456	16	(	(	PUNCT
fsr-4009	456	17	2022	2022	NUM
fsr-4009	456	18	)	)	PUNCT
fsr-4009	456	19	.	.	PUNCT
fsr-4009	457	1	pension	pension	NOUN
fsr-4009	457	2	wealth	wealth	NOUN
fsr-4009	457	3	and	and	CCONJ
fsr-4009	457	4	the	the	DET
fsr-4009	457	5	gender	gender	NOUN
fsr-4009	457	6	wealth	wealth	NOUN
fsr-4009	457	7	gap	gap	NOUN
fsr-4009	457	8	.	.	PUNCT
fsr-4009	458	1	european	european	PROPN
fsr-4009	458	2	journal	journal	PROPN
fsr-4009	458	3	of	of	ADP
fsr-4009	458	4	population	population	NOUN
fsr-4009	458	5	,	,	PUNCT
fsr-4009	458	6	38(4	38(4	NUM
fsr-4009	458	7	)	)	PUNCT
fsr-4009	458	8	,	,	PUNCT
fsr-4009	458	9	755	755	NUM
fsr-4009	458	10	-	-	SYM
fsr-4009	458	11	810	810	NUM
fsr-4009	458	12	.	.	PUNCT
fsr-4009	459	1	dietz	dietz	PROPN
fsr-4009	459	2	,	,	PUNCT
fsr-4009	459	3	b.	b.	PROPN
fsr-4009	459	4	e.	e.	PROPN
fsr-4009	459	5	,	,	PUNCT
fsr-4009	459	6	carrozza	carrozza	PROPN
fsr-4009	459	7	,	,	PUNCT
fsr-4009	459	8	m.	m.	NOUN
fsr-4009	459	9	,	,	PUNCT
fsr-4009	459	10	&	&	CCONJ
fsr-4009	459	11	ritchey	ritchey	PROPN
fsr-4009	459	12	,	,	PUNCT
fsr-4009	459	13	p.	p.	PROPN
fsr-4009	459	14	n.	n.	PROPN
fsr-4009	459	15	(	(	PUNCT
fsr-4009	459	16	2003	2003	NUM
fsr-4009	459	17	)	)	PUNCT
fsr-4009	459	18	.	.	PUNCT
fsr-4009	460	1	does	do	AUX
fsr-4009	460	2	financial	financial	ADJ
fsr-4009	460	3	self	self	NOUN
fsr-4009	460	4	-	-	PUNCT
fsr-4009	460	5	efficacy	efficacy	NOUN
fsr-4009	460	6	explain	explain	VERB
fsr-4009	460	7	gender	gender	NOUN
fsr-4009	460	8	differences	difference	NOUN
fsr-4009	460	9	in	in	ADP
fsr-4009	460	10	retirement	retirement	NOUN
fsr-4009	460	11	saving	saving	NOUN
fsr-4009	460	12	strategies	strategy	NOUN
fsr-4009	460	13	?	?	PUNCT
fsr-4009	461	1	journal	journal	NOUN
fsr-4009	461	2	of	of	ADP
fsr-4009	461	3	women	woman	NOUN
fsr-4009	461	4	&	&	CCONJ
fsr-4009	461	5	aging	aging	NOUN
fsr-4009	461	6	,	,	PUNCT
fsr-4009	461	7	15(4	15(4	NUM
fsr-4009	461	8	)	)	PUNCT
fsr-4009	461	9	,	,	PUNCT
fsr-4009	461	10	83–96	83–96	NUM
fsr-4009	461	11	.	.	PUNCT
fsr-4009	462	1	https://doi.org/10.1300/j074v15n04_07	https://doi.org/10.1300/j074v15n04_07	PROPN
fsr-4009	462	2	dwyer	dwyer	PROPN
fsr-4009	462	3	,	,	PUNCT
fsr-4009	462	4	p.	p.	PROPN
fsr-4009	462	5	d.	d.	PROPN
fsr-4009	462	6	,	,	PUNCT
fsr-4009	462	7	gilkeson	gilkeson	PROPN
fsr-4009	462	8	,	,	PUNCT
fsr-4009	462	9	j.	j.	PROPN
fsr-4009	462	10	h.	h.	PROPN
fsr-4009	462	11	,	,	PUNCT
fsr-4009	462	12	&	&	CCONJ
fsr-4009	462	13	list	list	PROPN
fsr-4009	462	14	,	,	PUNCT
fsr-4009	462	15	j.	j.	PROPN
fsr-4009	462	16	a.	a.	PROPN
fsr-4009	462	17	(	(	PUNCT
fsr-4009	462	18	2002	2002	NUM
fsr-4009	462	19	)	)	PUNCT
fsr-4009	462	20	.	.	PUNCT
fsr-4009	463	1	gender	gender	NOUN
fsr-4009	463	2	differences	difference	NOUN
fsr-4009	463	3	in	in	ADP
fsr-4009	463	4	revealed	reveal	VERB
fsr-4009	463	5	risk	risk	NOUN
fsr-4009	463	6	taking	taking	NOUN
fsr-4009	463	7	:	:	PUNCT
fsr-4009	463	8	evidence	evidence	NOUN
fsr-4009	463	9	from	from	ADP
fsr-4009	463	10	mutual	mutual	ADJ
fsr-4009	463	11	fund	fund	NOUN
fsr-4009	463	12	investors	investor	NOUN
fsr-4009	463	13	.	.	PUNCT
fsr-4009	464	1	economics	economic	NOUN
fsr-4009	464	2	letters	letter	NOUN
fsr-4009	464	3	,	,	PUNCT
fsr-4009	464	4	76(2	76(2	NUM
fsr-4009	464	5	)	)	PUNCT
fsr-4009	464	6	,	,	PUNCT
fsr-4009	464	7	151–158	151–158	NUM
fsr-4009	464	8	.	.	PUNCT
fsr-4009	464	9	https://doi.org/10.1016/s01651765(02)00045-9	https://doi.org/10.1016/s01651765(02)00045-9	NOUN
fsr-4009	464	10	feng	feng	PROPN
fsr-4009	464	11	,	,	PUNCT
fsr-4009	464	12	j.	j.	PROPN
fsr-4009	464	13	,	,	PUNCT
fsr-4009	464	14	gerrans	gerran	NOUN
fsr-4009	464	15	,	,	PUNCT
fsr-4009	464	16	p.	p.	PROPN
fsr-4009	464	17	,	,	PUNCT
fsr-4009	464	18	moulang	moulang	PROPN
fsr-4009	464	19	,	,	PUNCT
fsr-4009	464	20	c.	c.	PROPN
fsr-4009	464	21	,	,	PUNCT
fsr-4009	464	22	whiteside	whiteside	PROPN
fsr-4009	464	23	,	,	PUNCT
fsr-4009	464	24	n.	n.	NOUN
fsr-4009	464	25	,	,	PUNCT
fsr-4009	464	26	&	&	CCONJ
fsr-4009	464	27	strydom	strydom	NOUN
fsr-4009	464	28	,	,	PUNCT
fsr-4009	464	29	m.	m.	NOUN
fsr-4009	464	30	(	(	PUNCT
fsr-4009	464	31	2019	2019	NUM
fsr-4009	464	32	)	)	PUNCT
fsr-4009	464	33	.	.	PUNCT
fsr-4009	465	1	why	why	SCONJ
fsr-4009	465	2	women	woman	NOUN
fsr-4009	465	3	have	have	VERB
fsr-4009	465	4	lower	low	ADJ
fsr-4009	465	5	retirement	retirement	NOUN
fsr-4009	465	6	savings	saving	NOUN
fsr-4009	465	7	:	:	PUNCT
fsr-4009	465	8	the	the	DET
fsr-4009	465	9	australian	australian	ADJ
fsr-4009	465	10	case	case	NOUN
fsr-4009	465	11	.	.	PUNCT
fsr-4009	466	1	feminist	feminist	ADJ
fsr-4009	466	2	economics	economic	NOUN
fsr-4009	466	3	,	,	PUNCT
fsr-4009	466	4	25(1	25(1	NUM
fsr-4009	466	5	)	)	PUNCT
fsr-4009	466	6	,	,	PUNCT
fsr-4009	466	7	145	145	NUM
fsr-4009	466	8	-	-	SYM
fsr-4009	466	9	173	173	NUM
fsr-4009	466	10	.	.	PUNCT
fsr-4009	466	11	fisher	fisher	PROPN
fsr-4009	466	12	,	,	PUNCT
fsr-4009	466	13	p.	p.	PROPN
fsr-4009	466	14	,	,	PUNCT
fsr-4009	466	15	hayhoe	hayhoe	PROPN
fsr-4009	466	16	,	,	PUNCT
fsr-4009	466	17	c.	c.	PROPN
fsr-4009	466	18	,	,	PUNCT
fsr-4009	466	19	&	&	CCONJ
fsr-4009	466	20	lown	lown	PROPN
fsr-4009	466	21	,	,	PUNCT
fsr-4009	466	22	j.	j.	PROPN
fsr-4009	466	23	(	(	PUNCT
fsr-4009	466	24	2015	2015	NUM
fsr-4009	466	25	)	)	PUNCT
fsr-4009	466	26	.	.	PUNCT
fsr-4009	467	1	gender	gender	NOUN
fsr-4009	467	2	differences	difference	NOUN
fsr-4009	467	3	in	in	ADP
fsr-4009	467	4	saving	save	VERB
fsr-4009	467	5	behaviors	behavior	NOUN
fsr-4009	467	6	among	among	ADP
fsr-4009	467	7	lowto	lowto	NOUN
fsr-4009	467	8	moderate	moderate	ADJ
fsr-4009	467	9	-	-	PUNCT
fsr-4009	467	10	income	income	NOUN
fsr-4009	467	11	households	household	NOUN
fsr-4009	467	12	.	.	PUNCT
fsr-4009	468	1	financial	financial	ADJ
fsr-4009	468	2	services	service	NOUN
fsr-4009	468	3	review	review	PROPN
fsr-4009	468	4	,	,	PUNCT
fsr-4009	468	5	24(1	24(1	NUM
fsr-4009	468	6	)	)	PUNCT
fsr-4009	468	7	,	,	PUNCT
fsr-4009	468	8	1–13	1–13	NOUN
fsr-4009	468	9	.	.	PUNCT
fsr-4009	469	1	https://doi.org/10.61190/fsr.v24i1.3232	https://doi.org/10.61190/fsr.v24i1.3232	PROPN
fsr-4009	469	2	gibson	gibson	PROPN
fsr-4009	469	3	,	,	PUNCT
fsr-4009	469	4	r.	r.	PROPN
fsr-4009	469	5	j.	j.	PROPN
fsr-4009	469	6	,	,	PUNCT
fsr-4009	469	7	michayluk	michayluk	PROPN
fsr-4009	469	8	,	,	PUNCT
fsr-4009	469	9	d.	d.	PROPN
fsr-4009	469	10	,	,	PUNCT
fsr-4009	469	11	&	&	CCONJ
fsr-4009	469	12	van	van	PROPN
fsr-4009	469	13	de	de	PROPN
fsr-4009	469	14	venter	venter	PROPN
fsr-4009	469	15	,	,	PUNCT
fsr-4009	469	16	g.	g.	PROPN
fsr-4009	469	17	(	(	PUNCT
fsr-4009	469	18	2013	2013	NUM
fsr-4009	469	19	)	)	PUNCT
fsr-4009	469	20	.	.	PUNCT
fsr-4009	470	1	financial	financial	ADJ
fsr-4009	470	2	risk	risk	NOUN
fsr-4009	470	3	tolerance	tolerance	NOUN
fsr-4009	470	4	:	:	PUNCT
fsr-4009	470	5	an	an	DET
fsr-4009	470	6	analysis	analysis	NOUN
fsr-4009	470	7	of	of	ADP
fsr-4009	470	8	unexplored	unexplored	ADJ
fsr-4009	470	9	factors	factor	NOUN
fsr-4009	470	10	.	.	PUNCT
fsr-4009	471	1	financial	financial	ADJ
fsr-4009	471	2	services	service	NOUN
fsr-4009	471	3	review	review	PROPN
fsr-4009	471	4	.	.	PUNCT
fsr-4009	472	1	graham	graham	PROPN
fsr-4009	472	2	,	,	PUNCT
fsr-4009	472	3	j.	j.	PROPN
fsr-4009	472	4	f.	f.	PROPN
fsr-4009	472	5	,	,	PUNCT
fsr-4009	472	6	stendardi	stendardi	PROPN
fsr-4009	472	7	,	,	PUNCT
fsr-4009	472	8	e.	e.	PROPN
fsr-4009	472	9	j.	j.	PROPN
fsr-4009	472	10	,	,	PUNCT
fsr-4009	472	11	myers	myers	PROPN
fsr-4009	472	12	,	,	PUNCT
fsr-4009	472	13	j.	j.	PROPN
fsr-4009	472	14	k.	k.	PROPN
fsr-4009	472	15	,	,	PUNCT
fsr-4009	472	16	&	&	CCONJ
fsr-4009	472	17	graham	graham	PROPN
fsr-4009	472	18	,	,	PUNCT
fsr-4009	472	19	m.	m.	PROPN
fsr-4009	472	20	j.	j.	PROPN
fsr-4009	472	21	(	(	PUNCT
fsr-4009	472	22	2002	2002	NUM
fsr-4009	472	23	)	)	PUNCT
fsr-4009	472	24	.	.	PUNCT
fsr-4009	473	1	gender	gender	NOUN
fsr-4009	473	2	differences	difference	NOUN
fsr-4009	473	3	in	in	ADP
fsr-4009	473	4	investment	investment	NOUN
fsr-4009	473	5	strategies	strategy	NOUN
fsr-4009	473	6	:	:	PUNCT
fsr-4009	473	7	an	an	DET
fsr-4009	473	8	information	information	NOUN
fsr-4009	473	9	processing	processing	NOUN
fsr-4009	473	10	perspective	perspective	NOUN
fsr-4009	473	11	.	.	PUNCT
fsr-4009	474	1	the	the	DET
fsr-4009	474	2	international	international	ADJ
fsr-4009	474	3	journal	journal	NOUN
fsr-4009	474	4	of	of	ADP
fsr-4009	474	5	bank	bank	PROPN
fsr-4009	474	6	marketing	marketing	NOUN
fsr-4009	474	7	,	,	PUNCT
fsr-4009	474	8	20(1	20(1	NUM
fsr-4009	474	9	)	)	PUNCT
fsr-4009	474	10	,	,	PUNCT
fsr-4009	474	11	17–26	17–26	NUM
fsr-4009	474	12	.	.	PUNCT
fsr-4009	475	1	https://doi.org/10.1108/0265232021041	https://doi.org/10.1108/0265232021041	NOUN
fsr-4009	476	1	5953	5953	NUM
fsr-4009	476	2	harahap	harahap	ADJ
fsr-4009	476	3	,	,	PUNCT
fsr-4009	476	4	s.	s.	PROPN
fsr-4009	476	5	,	,	PUNCT
fsr-4009	476	6	thoyib	thoyib	NOUN
fsr-4009	476	7	,	,	PUNCT
fsr-4009	476	8	a.	a.	NOUN
fsr-4009	476	9	,	,	PUNCT
fsr-4009	476	10	sumiati	sumiati	PROPN
fsr-4009	476	11	,	,	PUNCT
fsr-4009	476	12	s.	s.	PROPN
fsr-4009	476	13	,	,	PUNCT
fsr-4009	476	14	&	&	CCONJ
fsr-4009	476	15	djazuli	djazuli	PROPN
fsr-4009	476	16	,	,	PUNCT
fsr-4009	476	17	a.	a.	NOUN
fsr-4009	476	18	(	(	PUNCT
fsr-4009	476	19	2022	2022	NUM
fsr-4009	476	20	)	)	PUNCT
fsr-4009	476	21	.	.	PUNCT
fsr-4009	477	1	the	the	DET
fsr-4009	477	2	impact	impact	NOUN
fsr-4009	477	3	of	of	ADP
fsr-4009	477	4	financial	financial	ADJ
fsr-4009	477	5	literacy	literacy	NOUN
fsr-4009	477	6	on	on	ADP
fsr-4009	477	7	retirement	retirement	NOUN
fsr-4009	477	8	planning	planning	NOUN
fsr-4009	477	9	with	with	ADP
fsr-4009	477	10	serial	serial	ADJ
fsr-4009	477	11	mediation	mediation	NOUN
fsr-4009	477	12	of	of	ADP
fsr-4009	477	13	financial	financial	ADJ
fsr-4009	477	14	risk	risk	NOUN
fsr-4009	477	15	tolerance	tolerance	NOUN
fsr-4009	477	16	and	and	CCONJ
fsr-4009	477	17	saving	save	VERB
fsr-4009	477	18	behavior	behavior	NOUN
fsr-4009	477	19	:	:	PUNCT
fsr-4009	477	20	evidence	evidence	NOUN
fsr-4009	477	21	of	of	ADP
fsr-4009	477	22	medium	medium	ADJ
fsr-4009	477	23	entrepreneurs	entrepreneur	NOUN
fsr-4009	477	24	in	in	ADP
fsr-4009	477	25	indonesia	indonesia	PROPN
fsr-4009	477	26	.	.	PUNCT
fsr-4009	478	1	international	international	ADJ
fsr-4009	478	2	journal	journal	PROPN
fsr-4009	478	3	of	of	ADP
fsr-4009	478	4	financial	financial	ADJ
fsr-4009	478	5	studies	study	NOUN
fsr-4009	478	6	,	,	PUNCT
fsr-4009	478	7	10(3	10(3	NUM
fsr-4009	478	8	)	)	PUNCT
fsr-4009	478	9	,	,	PUNCT
fsr-4009	478	10	66	66	NUM
fsr-4009	478	11	.	.	PUNCT
fsr-4009	479	1	https://doi.org/10.3390/ijfs10030066	https://doi.org/10.3390/ijfs10030066	PROPN
fsr-4009	479	2	hsu	hsu	PROPN
fsr-4009	479	3	,	,	PUNCT
fsr-4009	479	4	j.	j.	PROPN
fsr-4009	479	5	w.	w.	PROPN
fsr-4009	479	6	(	(	PUNCT
fsr-4009	479	7	2016	2016	NUM
fsr-4009	479	8	)	)	PUNCT
fsr-4009	479	9	.	.	PUNCT
fsr-4009	480	1	aging	age	VERB
fsr-4009	480	2	and	and	CCONJ
fsr-4009	480	3	strategic	strategic	ADJ
fsr-4009	480	4	learning	learning	NOUN
fsr-4009	480	5	:	:	PUNCT
fsr-4009	480	6	the	the	DET
fsr-4009	480	7	impact	impact	NOUN
fsr-4009	480	8	of	of	ADP
fsr-4009	480	9	spousal	spousal	NOUN
fsr-4009	480	10	incentives	incentive	NOUN
fsr-4009	480	11	on	on	ADP
fsr-4009	480	12	financial	financial	ADJ
fsr-4009	480	13	literacy	literacy	NOUN
fsr-4009	480	14	.	.	PUNCT
fsr-4009	481	1	journal	journal	NOUN
fsr-4009	481	2	of	of	ADP
fsr-4009	481	3	human	human	ADJ
fsr-4009	481	4	resources	resource	NOUN
fsr-4009	481	5	,	,	PUNCT
fsr-4009	481	6	51(4	51(4	NUM
fsr-4009	481	7	)	)	PUNCT
fsr-4009	481	8	,	,	PUNCT
fsr-4009	481	9	1036–1067	1036–1067	NUM
fsr-4009	481	10	.	.	PUNCT
fsr-4009	482	1	https://doi.org/10.3368/jhr.51.4.10146712r	https://doi.org/10.3368/jhr.51.4.10146712r	PROPN
fsr-4009	482	2	huang	huang	PROPN
fsr-4009	482	3	,	,	PUNCT
fsr-4009	482	4	y.	y.	PROPN
fsr-4009	482	5	,	,	PUNCT
fsr-4009	482	6	&	&	CCONJ
fsr-4009	482	7	curtin	curtin	PROPN
fsr-4009	482	8	,	,	PUNCT
fsr-4009	482	9	j.	j.	PROPN
fsr-4009	482	10	(	(	PUNCT
fsr-4009	482	11	2019	2019	NUM
fsr-4009	482	12	)	)	PUNCT
fsr-4009	482	13	.	.	PUNCT
fsr-4009	483	1	a	a	DET
fsr-4009	483	2	review	review	NOUN
fsr-4009	483	3	of	of	ADP
fsr-4009	483	4	gender	gender	NOUN
fsr-4009	483	5	differences	difference	NOUN
fsr-4009	483	6	in	in	ADP
fsr-4009	483	7	retirement	retirement	NOUN
fsr-4009	483	8	income	income	NOUN
fsr-4009	483	9	.	.	PUNCT
fsr-4009	484	1	journal	journal	PROPN
fsr-4009	484	2	of	of	ADP
fsr-4009	484	3	retirement	retirement	NOUN
fsr-4009	484	4	studies	study	NOUN
fsr-4009	484	5	,	,	PUNCT
fsr-4009	484	6	23(2	23(2	NUM
fsr-4009	484	7	)	)	PUNCT
fsr-4009	484	8	,	,	PUNCT
fsr-4009	484	9	4560	4560	NUM
fsr-4009	484	10	.	.	PUNCT
fsr-4009	485	1	https://doi.org/xxxx	https://doi.org/xxxx	PROPN
fsr-4009	485	2	huston	huston	PROPN
fsr-4009	485	3	,	,	PUNCT
fsr-4009	485	4	s.	s.	PROPN
fsr-4009	485	5	j.	j.	PROPN
fsr-4009	485	6	(	(	PUNCT
fsr-4009	485	7	2010	2010	NUM
fsr-4009	485	8	)	)	PUNCT
fsr-4009	485	9	.	.	PUNCT
fsr-4009	486	1	measuring	measure	VERB
fsr-4009	486	2	financial	financial	ADJ
fsr-4009	486	3	literacy	literacy	NOUN
fsr-4009	486	4	.	.	PUNCT
fsr-4009	487	1	journal	journal	NOUN
fsr-4009	487	2	of	of	ADP
fsr-4009	487	3	consumer	consumer	NOUN
fsr-4009	487	4	affairs	affair	NOUN
fsr-4009	487	5	,	,	PUNCT
fsr-4009	487	6	44(2	44(2	NOUN
fsr-4009	487	7	)	)	PUNCT
fsr-4009	487	8	,	,	PUNCT
fsr-4009	487	9	296	296	NUM
fsr-4009	487	10	-	-	SYM
fsr-4009	487	11	316	316	NUM
fsr-4009	487	12	.	.	PUNCT
fsr-4009	487	13	https://doi.org/10.1111/j.17456606.2010.01170.x	https://doi.org/10.1111/j.17456606.2010.01170.x	PROPN
fsr-4009	488	1	kappal	kappal	PROPN
fsr-4009	488	2	,	,	PUNCT
fsr-4009	488	3	j.	j.	PROPN
fsr-4009	488	4	m.	m.	PROPN
fsr-4009	488	5	,	,	PUNCT
fsr-4009	488	6	&	&	CCONJ
fsr-4009	488	7	rastogi	rastogi	PROPN
fsr-4009	488	8	,	,	PUNCT
fsr-4009	488	9	s.	s.	PROPN
fsr-4009	488	10	(	(	PUNCT
fsr-4009	488	11	2020	2020	NUM
fsr-4009	488	12	)	)	PUNCT
fsr-4009	488	13	.	.	PUNCT
fsr-4009	489	1	investment	investment	NOUN
fsr-4009	489	2	behaviour	behaviour	NOUN
fsr-4009	489	3	of	of	ADP
fsr-4009	489	4	women	woman	NOUN
fsr-4009	489	5	entrepreneurs	entrepreneur	NOUN
fsr-4009	489	6	.	.	PUNCT
fsr-4009	490	1	qualitative	qualitative	ADJ
fsr-4009	490	2	research	research	NOUN
fsr-4009	490	3	in	in	ADP
fsr-4009	490	4	financial	financial	ADJ
fsr-4009	490	5	markets	market	NOUN
fsr-4009	490	6	,	,	PUNCT
fsr-4009	490	7	12(4	12(4	NUM
fsr-4009	490	8	)	)	PUNCT
fsr-4009	490	9	,	,	PUNCT
fsr-4009	490	10	485–504	485–504	NUM
fsr-4009	490	11	.	.	PUNCT
fsr-4009	491	1	https://doi.org/10.1108/qrfm-04-20200053	https://doi.org/10.1108/qrfm-04-20200053	PROPN
fsr-4009	491	2	lee	lee	PROPN
fsr-4009	491	3	,	,	PUNCT
fsr-4009	491	4	y.	y.	PROPN
fsr-4009	491	5	,	,	PUNCT
fsr-4009	491	6	&	&	CCONJ
fsr-4009	491	7	tang	tang	PROPN
fsr-4009	491	8	,	,	PUNCT
fsr-4009	491	9	f.	f.	PROPN
fsr-4009	491	10	(	(	PUNCT
fsr-4009	491	11	2015	2015	NUM
fsr-4009	491	12	)	)	PUNCT
fsr-4009	491	13	.	.	PUNCT
fsr-4009	492	1	more	more	ADJ
fsr-4009	492	2	caregiving	caregiving	NOUN
fsr-4009	492	3	,	,	PUNCT
fsr-4009	492	4	less	less	ADV
fsr-4009	492	5	working	working	NOUN
fsr-4009	492	6	:	:	PUNCT
fsr-4009	492	7	caregiving	caregive	VERB
fsr-4009	492	8	roles	role	NOUN
fsr-4009	492	9	and	and	CCONJ
fsr-4009	492	10	gender	gender	NOUN
fsr-4009	492	11	difference	difference	NOUN
fsr-4009	492	12	.	.	PUNCT
fsr-4009	493	1	journal	journal	PROPN
fsr-4009	493	2	of	of	ADP
fsr-4009	493	3	applied	apply	VERB
fsr-4009	493	4	gerontology	gerontology	NOUN
fsr-4009	493	5	,	,	PUNCT
fsr-4009	493	6	34(4	34(4	NUM
fsr-4009	493	7	)	)	PUNCT
fsr-4009	493	8	,	,	PUNCT
fsr-4009	493	9	465–483	465–483	NUM
fsr-4009	493	10	.	.	PUNCT
fsr-4009	494	1	https://doi.org/10.1177/0733464813508	https://doi.org/10.1177/0733464813508	PROPN
fsr-4009	494	2	649	649	NUM
fsr-4009	494	3	loibl	loibl	NOUN
fsr-4009	494	4	,	,	PUNCT
fsr-4009	494	5	c.	c.	PROPN
fsr-4009	494	6	,	,	PUNCT
fsr-4009	494	7	&	&	CCONJ
fsr-4009	494	8	hira	hira	PROPN
fsr-4009	494	9	,	,	PUNCT
fsr-4009	494	10	t.	t.	PROPN
fsr-4009	494	11	k.	k.	PROPN
fsr-4009	494	12	(	(	PUNCT
fsr-4009	494	13	2006	2006	NUM
fsr-4009	494	14	)	)	PUNCT
fsr-4009	494	15	.	.	PUNCT
fsr-4009	495	1	a	a	DET
fsr-4009	495	2	workplace	workplace	NOUN
fsr-4009	495	3	and	and	CCONJ
fsr-4009	495	4	gender	gender	NOUN
fsr-4009	495	5	-	-	PUNCT
fsr-4009	495	6	related	relate	VERB
fsr-4009	495	7	perspective	perspective	NOUN
fsr-4009	495	8	on	on	ADP
fsr-4009	495	9	financial	financial	ADJ
fsr-4009	495	10	planning	planning	NOUN
fsr-4009	495	11	information	information	NOUN
fsr-4009	495	12	sources	source	NOUN
fsr-4009	495	13	and	and	CCONJ
fsr-4009	495	14	knowledge	knowledge	NOUN
fsr-4009	495	15	outcomes	outcome	NOUN
fsr-4009	495	16	.	.	PUNCT
fsr-4009	496	1	financial	financial	ADJ
fsr-4009	496	2	services	service	NOUN
fsr-4009	496	3	review	review	PROPN
fsr-4009	496	4	,	,	PUNCT
fsr-4009	496	5	15(1	15(1	NUM
fsr-4009	496	6	)	)	PUNCT
fsr-4009	496	7	,	,	PUNCT
fsr-4009	496	8	21–34	21–34	NUM
fsr-4009	496	9	.	.	PUNCT
fsr-4009	497	1	lusardi	lusardi	PROPN
fsr-4009	497	2	,	,	PUNCT
fsr-4009	497	3	a.	a.	PROPN
fsr-4009	497	4	,	,	PUNCT
fsr-4009	497	5	&	&	CCONJ
fsr-4009	497	6	mitchell	mitchell	PROPN
fsr-4009	497	7	,	,	PUNCT
fsr-4009	497	8	o.	o.	PROPN
fsr-4009	497	9	s.	s.	PROPN
fsr-4009	497	10	(	(	PUNCT
fsr-4009	497	11	2011	2011	NUM
fsr-4009	497	12	)	)	PUNCT
fsr-4009	497	13	.	.	PUNCT
fsr-4009	498	1	financial	financial	ADJ
fsr-4009	498	2	literacy	literacy	NOUN
fsr-4009	498	3	and	and	CCONJ
fsr-4009	498	4	retirement	retirement	NOUN
fsr-4009	498	5	planning	planning	NOUN
fsr-4009	498	6	in	in	ADP
fsr-4009	498	7	the	the	DET
fsr-4009	498	8	united	united	PROPN
fsr-4009	498	9	states	states	PROPN
fsr-4009	498	10	.	.	PUNCT
fsr-4009	499	1	journal	journal	PROPN
fsr-4009	499	2	of	of	ADP
fsr-4009	499	3	pension	pension	NOUN
fsr-4009	500	1	https://doi.org/10.1300/j074v15n04_07	https://doi.org/10.1300/j074v15n04_07	PROPN
fsr-4009	500	2	https://doi.org/10.1016/s0165-1765(02)00045-9	https://doi.org/10.1016/s0165-1765(02)00045-9	ADP
fsr-4009	500	3	https://doi.org/10.1016/s0165-1765(02)00045-9	https://doi.org/10.1016/s0165-1765(02)00045-9	PROPN
fsr-4009	500	4	https://doi.org/10.61190/fsr.v24i1.3232	https://doi.org/10.61190/fsr.v24i1.3232	PROPN
fsr-4009	500	5	https://doi.org/10.3390/ijfs10030066	https://doi.org/10.3390/ijfs10030066	PROPN
fsr-4009	500	6	https://doi.org/10.3368/jhr.51.4.1014-6712r	https://doi.org/10.3368/jhr.51.4.1014-6712r	PROPN
fsr-4009	500	7	https://doi.org/10.3368/jhr.51.4.1014-6712r	https://doi.org/10.3368/jhr.51.4.1014-6712r	PROPN
fsr-4009	500	8	https://doi.org/10.1108/qrfm-04-2020-0053	https://doi.org/10.1108/qrfm-04-2020-0053	VERB
fsr-4009	500	9	https://doi.org/10.1108/qrfm-04-2020-0053	https://doi.org/10.1108/qrfm-04-2020-0053	VERB
fsr-4009	500	10	https://doi.org/10.1177/0733464813508649	https://doi.org/10.1177/0733464813508649	NOUN
fsr-4009	500	11	https://doi.org/10.1177/0733464813508649	https://doi.org/10.1177/0733464813508649	X
fsr-4009	500	12	financial	financial	PROPN
fsr-4009	500	13	services	service	NOUN
fsr-4009	500	14	review	review	NOUN
fsr-4009	500	15	,	,	PUNCT
fsr-4009	500	16	33(2	33(2	NUM
fsr-4009	500	17	)	)	PUNCT
fsr-4009	500	18	164	164	NUM
fsr-4009	500	19	economics	economic	NOUN
fsr-4009	500	20	and	and	CCONJ
fsr-4009	500	21	finance	finance	NOUN
fsr-4009	500	22	,	,	PUNCT
fsr-4009	500	23	10(4	10(4	NUM
fsr-4009	500	24	)	)	PUNCT
fsr-4009	500	25	,	,	PUNCT
fsr-4009	500	26	509–525	509–525	NUM
fsr-4009	500	27	.	.	PUNCT
fsr-4009	501	1	https://doi.org/10.1017/s147474721100	https://doi.org/10.1017/s147474721100	NUM
fsr-4009	501	2	045x	045x	PROPN
fsr-4009	501	3	maklakov	maklakov	NOUN
fsr-4009	501	4	,	,	PUNCT
fsr-4009	501	5	a.	a.	NOUN
fsr-4009	501	6	a.	a.	PROPN
fsr-4009	501	7	,	,	PUNCT
fsr-4009	501	8	&	&	CCONJ
fsr-4009	501	9	lummaa	lummaa	PROPN
fsr-4009	501	10	,	,	PUNCT
fsr-4009	501	11	v.	v.	PROPN
fsr-4009	501	12	(	(	PUNCT
fsr-4009	501	13	2013	2013	NUM
fsr-4009	501	14	)	)	PUNCT
fsr-4009	501	15	.	.	PUNCT
fsr-4009	502	1	evolution	evolution	NOUN
fsr-4009	502	2	of	of	ADP
fsr-4009	502	3	sex	sex	NOUN
fsr-4009	502	4	differences	difference	NOUN
fsr-4009	502	5	in	in	ADP
fsr-4009	502	6	lifespan	lifespan	NOUN
fsr-4009	502	7	and	and	CCONJ
fsr-4009	502	8	aging	aging	NOUN
fsr-4009	502	9	:	:	PUNCT
fsr-4009	502	10	causes	cause	NOUN
fsr-4009	502	11	and	and	CCONJ
fsr-4009	502	12	constraints	constraint	NOUN
fsr-4009	502	13	.	.	PUNCT
fsr-4009	503	1	bioessays	bioessay	NOUN
fsr-4009	503	2	,	,	PUNCT
fsr-4009	503	3	35(8	35(8	NUM
fsr-4009	503	4	)	)	PUNCT
fsr-4009	503	5	,	,	PUNCT
fsr-4009	503	6	717	717	NUM
fsr-4009	503	7	-	-	SYM
fsr-4009	503	8	724	724	NUM
fsr-4009	503	9	.	.	PUNCT
fsr-4009	504	1	https://doi.org/10.1002/bies.201300017	https://doi.org/10.1002/bies.201300017	NOUN
fsr-4009	504	2	malone	malone	PROPN
fsr-4009	504	3	,	,	PUNCT
fsr-4009	504	4	k.	k.	PROPN
fsr-4009	504	5	,	,	PUNCT
fsr-4009	504	6	stewart	stewart	PROPN
fsr-4009	504	7	,	,	PUNCT
fsr-4009	504	8	s.	s.	PROPN
fsr-4009	504	9	d.	d.	PROPN
fsr-4009	504	10	,	,	PUNCT
fsr-4009	504	11	wilson	wilson	PROPN
fsr-4009	504	12	,	,	PUNCT
fsr-4009	504	13	j.	j.	PROPN
fsr-4009	504	14	,	,	PUNCT
fsr-4009	504	15	&	&	CCONJ
fsr-4009	504	16	korsching	korsching	PROPN
fsr-4009	504	17	,	,	PUNCT
fsr-4009	504	18	p.	p.	PROPN
fsr-4009	504	19	f.	f.	PROPN
fsr-4009	505	1	(	(	PUNCT
fsr-4009	505	2	2010	2010	NUM
fsr-4009	505	3	)	)	PUNCT
fsr-4009	505	4	.	.	PUNCT
fsr-4009	506	1	perceptions	perception	NOUN
fsr-4009	506	2	of	of	ADP
fsr-4009	506	3	financial	financial	ADJ
fsr-4009	506	4	well	well	NOUN
fsr-4009	506	5	-	-	PUNCT
fsr-4009	506	6	being	being	NOUN
fsr-4009	506	7	among	among	ADP
fsr-4009	506	8	american	american	ADJ
fsr-4009	506	9	women	woman	NOUN
fsr-4009	506	10	in	in	ADP
fsr-4009	506	11	diverse	diverse	ADJ
fsr-4009	506	12	families	family	NOUN
fsr-4009	506	13	.	.	PUNCT
fsr-4009	507	1	journal	journal	NOUN
fsr-4009	507	2	of	of	ADP
fsr-4009	507	3	family	family	NOUN
fsr-4009	507	4	and	and	CCONJ
fsr-4009	507	5	economic	economic	ADJ
fsr-4009	507	6	issues	issue	NOUN
fsr-4009	507	7	,	,	PUNCT
fsr-4009	507	8	31(1	31(1	NUM
fsr-4009	507	9	)	)	PUNCT
fsr-4009	507	10	,	,	PUNCT
fsr-4009	507	11	63	63	NUM
fsr-4009	507	12	–	–	SYM
fsr-4009	507	13	81	81	NUM
fsr-4009	507	14	.	.	PUNCT
fsr-4009	508	1	https://doi.org/10.1007/s10834-0099176-5	https://doi.org/10.1007/s10834-0099176-5	PROPN
fsr-4009	508	2	mitchell	mitchell	PROPN
fsr-4009	508	3	,	,	PUNCT
fsr-4009	508	4	o.	o.	PROPN
fsr-4009	508	5	s.	s.	PROPN
fsr-4009	508	6	,	,	PUNCT
fsr-4009	508	7	&	&	CCONJ
fsr-4009	508	8	lusardi	lusardi	PROPN
fsr-4009	508	9	,	,	PUNCT
fsr-4009	508	10	a.	a.	NOUN
fsr-4009	508	11	(	(	PUNCT
fsr-4009	508	12	2022	2022	NUM
fsr-4009	508	13	)	)	PUNCT
fsr-4009	508	14	.	.	PUNCT
fsr-4009	509	1	financial	financial	ADJ
fsr-4009	509	2	literacy	literacy	NOUN
fsr-4009	509	3	and	and	CCONJ
fsr-4009	509	4	financial	financial	ADJ
fsr-4009	509	5	behavior	behavior	NOUN
fsr-4009	509	6	at	at	ADP
fsr-4009	509	7	older	old	ADJ
fsr-4009	509	8	ages	age	NOUN
fsr-4009	509	9	(	(	PUNCT
fsr-4009	509	10	wharton	wharton	PROPN
fsr-4009	509	11	pension	pension	NOUN
fsr-4009	509	12	research	research	NOUN
fsr-4009	509	13	council	council	PROPN
fsr-4009	509	14	working	working	PROPN
fsr-4009	509	15	paper	paper	PROPN
fsr-4009	509	16	no	no	NOUN
fsr-4009	509	17	.	.	PUNCT
fsr-4009	509	18	2022	2022	NUM
fsr-4009	509	19	-	-	SYM
fsr-4009	509	20	01	01	NUM
fsr-4009	509	21	)	)	PUNCT
fsr-4009	509	22	.	.	PUNCT
fsr-4009	510	1	https://doi.org/10.2139/ssrn.4006687	https://doi.org/10.2139/ssrn.4006687	PROPN
fsr-4009	510	2	nguyen	nguyen	NOUN
fsr-4009	510	3	,	,	PUNCT
fsr-4009	510	4	t.	t.	PROPN
fsr-4009	510	5	m.	m.	PROPN
fsr-4009	510	6	l.	l.	PROPN
fsr-4009	510	7	(	(	PUNCT
fsr-4009	510	8	2015	2015	NUM
fsr-4009	510	9	)	)	PUNCT
fsr-4009	510	10	.	.	PUNCT
fsr-4009	511	1	the	the	DET
fsr-4009	511	2	influence	influence	NOUN
fsr-4009	511	3	of	of	ADP
fsr-4009	511	4	financial	financial	ADJ
fsr-4009	511	5	risk	risk	NOUN
fsr-4009	511	6	tolerance	tolerance	NOUN
fsr-4009	511	7	and	and	CCONJ
fsr-4009	511	8	risk	risk	NOUN
fsr-4009	511	9	perception	perception	NOUN
fsr-4009	511	10	on	on	ADP
fsr-4009	511	11	individual	individual	ADJ
fsr-4009	511	12	investment	investment	NOUN
fsr-4009	511	13	decision	decision	NOUN
fsr-4009	511	14	-	-	PUNCT
fsr-4009	511	15	making	making	NOUN
fsr-4009	511	16	in	in	ADP
fsr-4009	511	17	a	a	DET
fsr-4009	511	18	financial	financial	ADJ
fsr-4009	511	19	advice	advice	NOUN
fsr-4009	511	20	context	context	NOUN
fsr-4009	511	21	(	(	PUNCT
fsr-4009	511	22	doctoral	doctoral	ADJ
fsr-4009	511	23	dissertation	dissertation	NOUN
fsr-4009	511	24	,	,	PUNCT
fsr-4009	511	25	queensland	queensland	PROPN
fsr-4009	511	26	university	university	PROPN
fsr-4009	511	27	of	of	ADP
fsr-4009	511	28	technology	technology	NOUN
fsr-4009	511	29	)	)	PUNCT
fsr-4009	511	30	.	.	PUNCT
fsr-4009	512	1	queensland	queensland	PROPN
fsr-4009	512	2	university	university	PROPN
fsr-4009	512	3	of	of	ADP
fsr-4009	512	4	technology	technology	PROPN
fsr-4009	512	5	.	.	PUNCT
fsr-4009	513	1	niessen	niessen	NOUN
fsr-4009	513	2	-	-	PUNCT
fsr-4009	513	3	ruenzi	ruenzi	PROPN
fsr-4009	513	4	,	,	PUNCT
fsr-4009	513	5	a.	a.	NOUN
fsr-4009	513	6	,	,	PUNCT
fsr-4009	513	7	&	&	CCONJ
fsr-4009	513	8	schneider	schneider	PROPN
fsr-4009	513	9	,	,	PUNCT
fsr-4009	513	10	c.	c.	PROPN
fsr-4009	513	11	(	(	PUNCT
fsr-4009	513	12	2019	2019	NUM
fsr-4009	513	13	)	)	PUNCT
fsr-4009	513	14	.	.	PUNCT
fsr-4009	514	1	the	the	DET
fsr-4009	514	2	gender	gender	NOUN
fsr-4009	514	3	pension	pension	NOUN
fsr-4009	514	4	gap	gap	NOUN
fsr-4009	514	5	in	in	ADP
fsr-4009	514	6	germany	germany	PROPN
fsr-4009	514	7	(	(	PUNCT
fsr-4009	514	8	ssrn	ssrn	PROPN
fsr-4009	514	9	working	work	VERB
fsr-4009	514	10	paper	paper	PROPN
fsr-4009	514	11	no	no	INTJ
fsr-4009	514	12	.	.	PROPN
fsr-4009	514	13	3455189	3455189	NUM
fsr-4009	514	14	)	)	PUNCT
fsr-4009	514	15	.	.	PUNCT
fsr-4009	515	1	https://doi.org/10.2139/ssrn.3455189	https://doi.org/10.2139/ssrn.3455189	PROPN
fsr-4009	515	2	oaxaca	oaxaca	PROPN
fsr-4009	515	3	,	,	PUNCT
fsr-4009	515	4	r.	r.	PROPN
fsr-4009	515	5	l.	l.	PROPN
fsr-4009	515	6	,	,	PUNCT
fsr-4009	515	7	&	&	CCONJ
fsr-4009	515	8	ransom	ransom	NOUN
fsr-4009	515	9	,	,	PUNCT
fsr-4009	515	10	m.	m.	PROPN
fsr-4009	515	11	r.	r.	PROPN
fsr-4009	515	12	(	(	PUNCT
fsr-4009	515	13	1994	1994	NUM
fsr-4009	515	14	)	)	PUNCT
fsr-4009	515	15	.	.	PUNCT
fsr-4009	516	1	on	on	ADP
fsr-4009	516	2	discrimination	discrimination	NOUN
fsr-4009	516	3	and	and	CCONJ
fsr-4009	516	4	the	the	DET
fsr-4009	516	5	decomposition	decomposition	NOUN
fsr-4009	516	6	of	of	ADP
fsr-4009	516	7	wage	wage	NOUN
fsr-4009	516	8	differentials	differential	NOUN
fsr-4009	516	9	.	.	PUNCT
fsr-4009	517	1	journal	journal	NOUN
fsr-4009	517	2	of	of	ADP
fsr-4009	517	3	econometrics	econometric	NOUN
fsr-4009	517	4	,	,	PUNCT
fsr-4009	517	5	61(1	61(1	NOUN
fsr-4009	517	6	)	)	PUNCT
fsr-4009	517	7	,	,	PUNCT
fsr-4009	517	8	5–21	5–21	PROPN
fsr-4009	517	9	.	.	PUNCT
fsr-4009	518	1	https://doi.org/10.1016/03044076(94)90074-4	https://doi.org/10.1016/03044076(94)90074-4	PROPN
fsr-4009	518	2	olajide	olajide	PROPN
fsr-4009	518	3	,	,	PUNCT
fsr-4009	518	4	o.	o.	PROPN
fsr-4009	518	5	,	,	PUNCT
fsr-4009	518	6	pandey	pandey	PROPN
fsr-4009	518	7	,	,	PUNCT
fsr-4009	518	8	s.	s.	PROPN
fsr-4009	518	9	,	,	PUNCT
fsr-4009	518	10	&	&	CCONJ
fsr-4009	518	11	pandey	pandey	PROPN
fsr-4009	518	12	,	,	PUNCT
fsr-4009	518	13	i.	i.	PROPN
fsr-4009	518	14	(	(	PUNCT
fsr-4009	518	15	2024	2024	NUM
fsr-4009	518	16	)	)	PUNCT
fsr-4009	518	17	.	.	PUNCT
fsr-4009	519	1	social	social	ADJ
fsr-4009	519	2	media	medium	NOUN
fsr-4009	519	3	for	for	ADP
fsr-4009	519	4	investment	investment	NOUN
fsr-4009	519	5	advice	advice	NOUN
fsr-4009	519	6	and	and	CCONJ
fsr-4009	519	7	financial	financial	ADJ
fsr-4009	519	8	satisfaction	satisfaction	NOUN
fsr-4009	519	9	:	:	PUNCT
fsr-4009	519	10	does	do	AUX
fsr-4009	519	11	generation	generation	NOUN
fsr-4009	519	12	matter	matter	NOUN
fsr-4009	519	13	?	?	PUNCT
fsr-4009	520	1	journal	journal	NOUN
fsr-4009	520	2	of	of	ADP
fsr-4009	520	3	risk	risk	NOUN
fsr-4009	520	4	and	and	CCONJ
fsr-4009	520	5	financial	financial	ADJ
fsr-4009	520	6	management	management	NOUN
fsr-4009	520	7	,	,	PUNCT
fsr-4009	520	8	17(9	17(9	NOUN
fsr-4009	520	9	)	)	PUNCT
fsr-4009	520	10	,	,	PUNCT
fsr-4009	520	11	410	410	NUM
fsr-4009	520	12	.	.	PUNCT
fsr-4009	521	1	https://doi.org/10.3390/jrfm17090410	https://doi.org/10.3390/jrfm17090410	PROPN
fsr-4009	521	2	pandey	pandey	PROPN
fsr-4009	521	3	,	,	PUNCT
fsr-4009	521	4	i.	i.	PROPN
fsr-4009	521	5	,	,	PUNCT
fsr-4009	521	6	&	&	CCONJ
fsr-4009	521	7	guillemette	guillemette	PROPN
fsr-4009	521	8	,	,	PUNCT
fsr-4009	521	9	m.	m.	NOUN
fsr-4009	521	10	(	(	PUNCT
fsr-4009	521	11	2024	2024	NUM
fsr-4009	521	12	)	)	PUNCT
fsr-4009	521	13	.	.	PUNCT
fsr-4009	522	1	social	social	ADJ
fsr-4009	522	2	media	medium	NOUN
fsr-4009	522	3	,	,	PUNCT
fsr-4009	522	4	investment	investment	NOUN
fsr-4009	522	5	knowledge	knowledge	NOUN
fsr-4009	522	6	,	,	PUNCT
fsr-4009	522	7	and	and	CCONJ
fsr-4009	522	8	meme	meme	NOUN
fsr-4009	522	9	stock	stock	NOUN
fsr-4009	522	10	trading	trading	NOUN
fsr-4009	522	11	.	.	PUNCT
fsr-4009	523	1	journal	journal	NOUN
fsr-4009	523	2	of	of	ADP
fsr-4009	523	3	behavioral	behavioral	ADJ
fsr-4009	523	4	finance	finance	NOUN
fsr-4009	523	5	,	,	PUNCT
fsr-4009	523	6	25(1	25(1	NUM
fsr-4009	523	7	)	)	PUNCT
fsr-4009	523	8	,	,	PUNCT
fsr-4009	523	9	1–17	1–17	PROPN
fsr-4009	523	10	.	.	PUNCT
fsr-4009	524	1	https://doi.org/10.1080/15427560.2024	https://doi.org/10.1080/15427560.2024	ADJ
fsr-4009	524	2	.	.	PUNCT
fsr-4009	525	1	2361875	2361875	NUM
fsr-4009	525	2	preston	preston	PROPN
fsr-4009	525	3	,	,	PUNCT
fsr-4009	525	4	a.	a.	PROPN
fsr-4009	525	5	,	,	PUNCT
fsr-4009	525	6	&	&	CCONJ
fsr-4009	525	7	wright	wright	PROPN
fsr-4009	525	8	,	,	PUNCT
fsr-4009	525	9	r.	r.	PROPN
fsr-4009	525	10	e.	e.	PROPN
fsr-4009	525	11	(	(	PUNCT
fsr-4009	525	12	2023	2023	NUM
fsr-4009	525	13	)	)	PUNCT
fsr-4009	525	14	.	.	PUNCT
fsr-4009	526	1	gender	gender	NOUN
fsr-4009	526	2	,	,	PUNCT
fsr-4009	526	3	financial	financial	ADJ
fsr-4009	526	4	literacy	literacy	NOUN
fsr-4009	526	5	and	and	CCONJ
fsr-4009	526	6	pension	pension	NOUN
fsr-4009	526	7	savings	saving	NOUN
fsr-4009	526	8	.	.	PUNCT
fsr-4009	527	1	economic	economic	ADJ
fsr-4009	527	2	record	record	NOUN
fsr-4009	527	3	,	,	PUNCT
fsr-4009	527	4	100(325	100(325	NUM
fsr-4009	527	5	)	)	PUNCT
fsr-4009	527	6	,	,	PUNCT
fsr-4009	527	7	58–83	58–83	NUM
fsr-4009	527	8	.	.	PUNCT
fsr-4009	527	9	https://doi.org/10.1111/14754932.12708	https://doi.org/10.1111/14754932.12708	PROPN
fsr-4009	527	10	reinhard	reinhard	PROPN
fsr-4009	527	11	,	,	PUNCT
fsr-4009	527	12	s.	s.	PROPN
fsr-4009	527	13	c.	c.	PROPN
fsr-4009	527	14	,	,	PUNCT
fsr-4009	527	15	feinberg	feinberg	PROPN
fsr-4009	527	16	,	,	PUNCT
fsr-4009	527	17	l.	l.	PROPN
fsr-4009	527	18	,	,	PUNCT
fsr-4009	527	19	&	&	CCONJ
fsr-4009	527	20	choula	choula	PROPN
fsr-4009	527	21	,	,	PUNCT
fsr-4009	527	22	r.	r.	PROPN
fsr-4009	527	23	(	(	PUNCT
fsr-4009	527	24	2012	2012	NUM
fsr-4009	527	25	)	)	PUNCT
fsr-4009	527	26	.	.	PUNCT
fsr-4009	528	1	a	a	DET
fsr-4009	528	2	call	call	NOUN
fsr-4009	528	3	to	to	ADP
fsr-4009	528	4	action	action	NOUN
fsr-4009	528	5	:	:	PUNCT
fsr-4009	528	6	what	what	PRON
fsr-4009	528	7	experts	expert	NOUN
fsr-4009	528	8	say	say	VERB
fsr-4009	528	9	needs	need	NOUN
fsr-4009	528	10	to	to	PART
fsr-4009	528	11	be	be	AUX
fsr-4009	528	12	done	do	VERB
fsr-4009	528	13	to	to	PART
fsr-4009	528	14	meet	meet	VERB
fsr-4009	528	15	the	the	DET
fsr-4009	528	16	challenges	challenge	NOUN
fsr-4009	528	17	of	of	ADP
fsr-4009	528	18	family	family	NOUN
fsr-4009	528	19	caregiving	caregiving	NOUN
fsr-4009	528	20	.	.	PUNCT
fsr-4009	529	1	aarp	aarp	PROPN
fsr-4009	529	2	public	public	ADJ
fsr-4009	529	3	policy	policy	NOUN
fsr-4009	529	4	institute	institute	NOUN
fsr-4009	529	5	.	.	PUNCT
fsr-4009	530	1	https://www.aarp.org/content/dam/aarp/r	https://www.aarp.org/content/dam/aarp/r	ADJ
fsr-4009	530	2	esearch	esearch	NOUN
fsr-4009	530	3	/	/	SYM
fsr-4009	530	4	public_policy_institute	public_policy_institute	NOUN
fsr-4009	530	5	/	/	SYM
fsr-4009	530	6	ltc/2012/	ltc/2012/	NOUN
fsr-4009	530	7	spotlight-12-aarp-ppi-ltc.pdf	spotlight-12-aarp-ppi-ltc.pdf	PROPN
fsr-4009	530	8	sierminska	sierminska	NOUN
fsr-4009	530	9	,	,	PUNCT
fsr-4009	530	10	e.	e.	PROPN
fsr-4009	530	11	m.	m.	PROPN
fsr-4009	530	12	,	,	PUNCT
fsr-4009	530	13	frick	frick	PROPN
fsr-4009	530	14	,	,	PUNCT
fsr-4009	530	15	j.	j.	PROPN
fsr-4009	530	16	r.	r.	PROPN
fsr-4009	530	17	,	,	PUNCT
fsr-4009	530	18	&	&	CCONJ
fsr-4009	530	19	grabka	grabka	PROPN
fsr-4009	530	20	,	,	PUNCT
fsr-4009	530	21	m.	m.	NOUN
fsr-4009	530	22	m.	m.	NOUN
fsr-4009	530	23	(	(	PUNCT
fsr-4009	530	24	2010	2010	NUM
fsr-4009	530	25	)	)	PUNCT
fsr-4009	530	26	.	.	PUNCT
fsr-4009	531	1	examining	examine	VERB
fsr-4009	531	2	the	the	DET
fsr-4009	531	3	gender	gender	NOUN
fsr-4009	531	4	wealth	wealth	NOUN
fsr-4009	531	5	gap	gap	NOUN
fsr-4009	531	6	.	.	PUNCT
fsr-4009	532	1	oxford	oxford	PROPN
fsr-4009	532	2	economic	economic	ADJ
fsr-4009	532	3	papers	paper	NOUN
fsr-4009	532	4	,	,	PUNCT
fsr-4009	532	5	62(4	62(4	NOUN
fsr-4009	532	6	)	)	PUNCT
fsr-4009	532	7	,	,	PUNCT
fsr-4009	532	8	669–690	669–690	NUM
fsr-4009	532	9	.	.	PUNCT
fsr-4009	533	1	https://doi.org/10.1093/oep/gpq007	https://doi.org/10.1093/oep/gpq007	PROPN
fsr-4009	533	2	spivey	spivey	PROPN
fsr-4009	533	3	,	,	PUNCT
fsr-4009	533	4	c.	c.	PROPN
fsr-4009	533	5	(	(	PUNCT
fsr-4009	533	6	2010	2010	NUM
fsr-4009	533	7	)	)	PUNCT
fsr-4009	533	8	.	.	PUNCT
fsr-4009	534	1	desperation	desperation	NOUN
fsr-4009	534	2	or	or	CCONJ
fsr-4009	534	3	desire	desire	NOUN
fsr-4009	534	4	?	?	PUNCT
fsr-4009	535	1	the	the	DET
fsr-4009	535	2	role	role	NOUN
fsr-4009	535	3	of	of	ADP
fsr-4009	535	4	risk	risk	NOUN
fsr-4009	535	5	aversion	aversion	NOUN
fsr-4009	535	6	in	in	ADP
fsr-4009	535	7	marriage	marriage	NOUN
fsr-4009	535	8	.	.	PUNCT
fsr-4009	536	1	economic	economic	ADJ
fsr-4009	536	2	inquiry	inquiry	NOUN
fsr-4009	536	3	,	,	PUNCT
fsr-4009	536	4	48(2	48(2	NUM
fsr-4009	536	5	)	)	PUNCT
fsr-4009	536	6	,	,	PUNCT
fsr-4009	536	7	499	499	NUM
fsr-4009	536	8	-	-	SYM
fsr-4009	536	9	516	516	NUM
fsr-4009	536	10	.	.	PUNCT
fsr-4009	537	1	https://doi.org/10.1111/j.14657295.2009.00269.x	https://doi.org/10.1111/j.14657295.2009.00269.x	PRON
fsr-4009	537	2	tomar	tomar	NOUN
fsr-4009	537	3	,	,	PUNCT
fsr-4009	537	4	s.	s.	PROPN
fsr-4009	537	5	,	,	PUNCT
fsr-4009	537	6	baker	baker	PROPN
fsr-4009	537	7	,	,	PUNCT
fsr-4009	537	8	h.	h.	PROPN
fsr-4009	537	9	k.	k.	PROPN
fsr-4009	537	10	,	,	PUNCT
fsr-4009	537	11	kumar	kumar	PROPN
fsr-4009	537	12	,	,	PUNCT
fsr-4009	537	13	s.	s.	PROPN
fsr-4009	537	14	,	,	PUNCT
fsr-4009	537	15	&	&	CCONJ
fsr-4009	537	16	hoffmann	hoffmann	PROPN
fsr-4009	537	17	,	,	PUNCT
fsr-4009	537	18	a.	a.	PROPN
fsr-4009	537	19	o.	o.	PROPN
fsr-4009	537	20	i.	i.	PROPN
fsr-4009	537	21	(	(	PUNCT
fsr-4009	537	22	2021	2021	NUM
fsr-4009	537	23	)	)	PUNCT
fsr-4009	537	24	.	.	PUNCT
fsr-4009	538	1	psychological	psychological	ADJ
fsr-4009	538	2	determinants	determinant	NOUN
fsr-4009	538	3	of	of	ADP
fsr-4009	538	4	retirement	retirement	NOUN
fsr-4009	538	5	financial	financial	ADJ
fsr-4009	538	6	planning	planning	NOUN
fsr-4009	538	7	behavior	behavior	NOUN
fsr-4009	538	8	.	.	PUNCT
fsr-4009	539	1	journal	journal	PROPN
fsr-4009	539	2	of	of	ADP
fsr-4009	539	3	business	business	NOUN
fsr-4009	539	4	research	research	NOUN
fsr-4009	539	5	,	,	PUNCT
fsr-4009	539	6	133	133	NUM
fsr-4009	539	7	,	,	PUNCT
fsr-4009	539	8	432	432	NUM
fsr-4009	539	9	-	-	SYM
fsr-4009	539	10	449	449	NUM
fsr-4009	539	11	.	.	PUNCT
fsr-4009	540	1	https://doi.org/10.1016/j.jbusres.2021.05	https://doi.org/10.1016/j.jbusres.2021.05	NOUN
fsr-4009	540	2	.007	.007	NUM
fsr-4009	540	3	weller	weller	NOUN
fsr-4009	540	4	,	,	PUNCT
fsr-4009	540	5	c.	c.	PROPN
fsr-4009	540	6	e.	e.	PROPN
fsr-4009	540	7	,	,	PUNCT
fsr-4009	540	8	&	&	CCONJ
fsr-4009	540	9	tolson	tolson	PROPN
fsr-4009	540	10	,	,	PUNCT
fsr-4009	540	11	m.	m.	PROPN
fsr-4009	540	12	e.	e.	PROPN
fsr-4009	540	13	(	(	PUNCT
fsr-4009	540	14	2017	2017	NUM
fsr-4009	540	15	)	)	PUNCT
fsr-4009	540	16	.	.	PUNCT
fsr-4009	541	1	too	too	ADV
fsr-4009	541	2	little	little	ADJ
fsr-4009	541	3	or	or	CCONJ
fsr-4009	541	4	too	too	ADV
fsr-4009	541	5	much	much	ADJ
fsr-4009	541	6	?	?	PUNCT
fsr-4009	542	1	women	woman	NOUN
fsr-4009	542	2	’s	’s	PART
fsr-4009	542	3	economic	economic	ADJ
fsr-4009	542	4	risk	risk	NOUN
fsr-4009	542	5	exposure	exposure	NOUN
fsr-4009	542	6	.	.	PUNCT
fsr-4009	543	1	the	the	DET
fsr-4009	543	2	journal	journal	NOUN
fsr-4009	543	3	of	of	ADP
fsr-4009	543	4	retirement	retirement	NOUN
fsr-4009	543	5	,	,	PUNCT
fsr-4009	543	6	4(4	4(4	NUM
fsr-4009	543	7	)	)	PUNCT
fsr-4009	543	8	,	,	PUNCT
fsr-4009	543	9	69	69	NUM
fsr-4009	543	10	-	-	SYM
fsr-4009	543	11	83	83	NUM
fsr-4009	543	12	.	.	PUNCT
fsr-4009	544	1	https://doi.org/10.3905/jor.2017.4.4.069	https://doi.org/10.3905/jor.2017.4.4.069	NOUN
fsr-4009	544	2	weller	weller	NOUN
fsr-4009	544	3	,	,	PUNCT
fsr-4009	544	4	c.	c.	PROPN
fsr-4009	544	5	e.	e.	PROPN
fsr-4009	544	6	,	,	PUNCT
fsr-4009	544	7	&	&	CCONJ
fsr-4009	544	8	tolson	tolson	PROPN
fsr-4009	544	9	,	,	PUNCT
fsr-4009	544	10	m.	m.	PROPN
fsr-4009	544	11	e.	e.	PROPN
fsr-4009	544	12	(	(	PUNCT
fsr-4009	544	13	2018	2018	NUM
fsr-4009	544	14	)	)	PUNCT
fsr-4009	544	15	.	.	PUNCT
fsr-4009	545	1	do	do	AUX
fsr-4009	545	2	unpaid	unpaid	ADJ
fsr-4009	545	3	caregivers	caregiver	NOUN
fsr-4009	545	4	save	save	VERB
fsr-4009	545	5	less	less	ADJ
fsr-4009	545	6	for	for	ADP
fsr-4009	545	7	retirement	retirement	NOUN
fsr-4009	545	8	?	?	PUNCT
fsr-4009	546	1	the	the	DET
fsr-4009	546	2	journal	journal	NOUN
fsr-4009	546	3	of	of	ADP
fsr-4009	546	4	retirement	retirement	NOUN
fsr-4009	546	5	,	,	PUNCT
fsr-4009	546	6	6(2	6(2	NUM
fsr-4009	546	7	)	)	PUNCT
fsr-4009	546	8	,	,	PUNCT
fsr-4009	546	9	61–73	61–73	NUM
fsr-4009	546	10	.	.	PUNCT
fsr-4009	547	1	https://doi.org/10.3905/jor.2018.6.2.061	https://doi.org/10.3905/jor.2018.6.2.061	PROPN
fsr-4009	547	2	zhao	zhao	PROPN
fsr-4009	547	3	,	,	PUNCT
fsr-4009	547	4	r.	r.	PROPN
fsr-4009	547	5	,	,	PUNCT
fsr-4009	547	6	&	&	CCONJ
fsr-4009	547	7	zhao	zhao	PROPN
fsr-4009	547	8	,	,	PUNCT
fsr-4009	547	9	y.	y.	PROPN
fsr-4009	547	10	(	(	PUNCT
fsr-4009	547	11	2018	2018	NUM
fsr-4009	547	12	)	)	PUNCT
fsr-4009	547	13	.	.	PUNCT
fsr-4009	548	1	the	the	DET
fsr-4009	548	2	gender	gender	NOUN
fsr-4009	548	3	pension	pension	NOUN
fsr-4009	548	4	gap	gap	NOUN
fsr-4009	548	5	in	in	ADP
fsr-4009	548	6	china	china	PROPN
fsr-4009	548	7	.	.	PUNCT
fsr-4009	549	1	feminist	feminist	PROPN
fsr-4009	549	2	economics	economic	NOUN
fsr-4009	549	3	,	,	PUNCT
fsr-4009	549	4	24(2	24(2	NUM
fsr-4009	549	5	)	)	PUNCT
fsr-4009	549	6	,	,	PUNCT
fsr-4009	549	7	218–239	218–239	NUM
fsr-4009	549	8	.	.	PUNCT
fsr-4009	549	9	https://doi.org/10.1080/13545701.2017	https://doi.org/10.1080/13545701.2017	PROPN
fsr-4009	549	10	.	.	PUNCT
fsr-4009	549	11	1411601	1411601	NUM
fsr-4009	550	1	https://doi.org/10.1017/s147474721100045x	https://doi.org/10.1017/s147474721100045x	ADJ
fsr-4009	550	2	https://doi.org/10.1017/s147474721100045x	https://doi.org/10.1017/s147474721100045x	PROPN
fsr-4009	550	3	https://doi.org/10.1007/s10834-009-9176-5	https://doi.org/10.1007/s10834-009-9176-5	NUM
fsr-4009	550	4	https://doi.org/10.1007/s10834-009-9176-5	https://doi.org/10.1007/s10834-009-9176-5	PROPN
fsr-4009	550	5	https://doi.org/10.2139/ssrn.4006687	https://doi.org/10.2139/ssrn.4006687	NOUN
fsr-4009	550	6	https://doi.org/10.2139/ssrn.3455189	https://doi.org/10.2139/ssrn.3455189	ADJ
fsr-4009	550	7	https://doi.org/10.1016/0304-4076(94)90074-4	https://doi.org/10.1016/0304-4076(94)90074-4	CCONJ
fsr-4009	550	8	https://doi.org/10.1016/0304-4076(94)90074-4	https://doi.org/10.1016/0304-4076(94)90074-4	PROPN
fsr-4009	550	9	https://doi.org/10.1080/15427560.2024.2361875	https://doi.org/10.1080/15427560.2024.2361875	PROPN
fsr-4009	550	10	https://doi.org/10.1080/15427560.2024.2361875	https://doi.org/10.1080/15427560.2024.2361875	PROPN
fsr-4009	550	11	https://doi.org/10.1111/1475-4932.12708	https://doi.org/10.1111/1475-4932.12708	PROPN
fsr-4009	550	12	https://doi.org/10.1111/1475-4932.12708	https://doi.org/10.1111/1475-4932.12708	PROPN
fsr-4009	551	1	https://www.aarp.org/content/dam/aarp/research/public_policy_institute/ltc/2012/spotlight-12-aarp-ppi-ltc.pdf	https://www.aarp.org/content/dam/aarp/research/public_policy_institute/ltc/2012/spotlight-12-aarp-ppi-ltc.pdf	PROPN
fsr-4009	551	2	https://www.aarp.org/content/dam/aarp/research/public_policy_institute/ltc/2012/spotlight-12-aarp-ppi-ltc.pdf	https://www.aarp.org/content/dam/aarp/research/public_policy_institute/ltc/2012/spotlight-12-aarp-ppi-ltc.pdf	PROPN
fsr-4009	551	3	https://www.aarp.org/content/dam/aarp/research/public_policy_institute/ltc/2012/spotlight-12-aarp-ppi-ltc.pdf	https://www.aarp.org/content/dam/aarp/research/public_policy_institute/ltc/2012/spotlight-12-aarp-ppi-ltc.pdf	PROPN
fsr-4009	551	4	https://doi.org/10.1093/oep/gpq007	https://doi.org/10.1093/oep/gpq007	PROPN
fsr-4009	551	5	https://doi.org/10.1016/j.jbusres.2021.05.007	https://doi.org/10.1016/j.jbusres.2021.05.007	VERB
fsr-4009	551	6	https://doi.org/10.1016/j.jbusres.2021.05.007	https://doi.org/10.1016/j.jbusres.2021.05.007	ADJ
fsr-4009	551	7	https://doi.org/10.3905/jor.2018.6.2.061	https://doi.org/10.3905/jor.2018.6.2.061	NOUN
fsr-4009	551	8	https://doi.org/10.1080/13545701.2017.1411601	https://doi.org/10.1080/13545701.2017.1411601	INTJ
fsr-4009	551	9	https://doi.org/10.1080/13545701.2017.1411601	https://doi.org/10.1080/13545701.2017.1411601	INTJ