id	sid	tid	token	lemma	pos
fsr-4023	1	1	financial	financial	PROPN
fsr-4023	1	2	services	service	NOUN
fsr-4023	1	3	review	review	PROPN
fsr-4023	1	4	,	,	PUNCT
fsr-4023	1	5	32(3	32(3	NUM
fsr-4023	1	6	)	)	PUNCT
fsr-4023	2	1	i	i	PRON
fsr-4023	2	2	volume	volume	VERB
fsr-4023	2	3	32	32	NUM
fsr-4023	2	4	issue	issue	NOUN
fsr-4023	2	5	3	3	NUM
fsr-4023	2	6	from	from	ADP
fsr-4023	2	7	the	the	DET
fsr-4023	2	8	editor	editor	NOUN
fsr-4023	2	9	if	if	SCONJ
fsr-4023	2	10	you	you	PRON
fsr-4023	2	11	are	be	AUX
fsr-4023	2	12	reading	read	VERB
fsr-4023	2	13	this	this	DET
fsr-4023	2	14	introduction	introduction	NOUN
fsr-4023	2	15	to	to	ADP
fsr-4023	2	16	the	the	DET
fsr-4023	2	17	latest	late	ADJ
fsr-4023	2	18	issue	issue	NOUN
fsr-4023	2	19	of	of	ADP
fsr-4023	2	20	financial	financial	ADJ
fsr-4023	2	21	services	service	NOUN
fsr-4023	2	22	review	review	NOUN
fsr-4023	2	23	(	(	PUNCT
fsr-4023	2	24	fsr	fsr	PROPN
fsr-4023	2	25	)	)	PUNCT
fsr-4023	2	26	,	,	PUNCT
fsr-4023	2	27	you	you	PRON
fsr-4023	2	28	are	be	AUX
fsr-4023	2	29	likely	likely	ADJ
fsr-4023	2	30	a	a	DET
fsr-4023	2	31	member	member	NOUN
fsr-4023	2	32	of	of	ADP
fsr-4023	2	33	the	the	DET
fsr-4023	2	34	academy	academy	NOUN
fsr-4023	2	35	of	of	ADP
fsr-4023	2	36	financial	financial	ADJ
fsr-4023	2	37	services	service	NOUN
fsr-4023	2	38	—	—	PUNCT
fsr-4023	2	39	the	the	DET
fsr-4023	2	40	organization	organization	NOUN
fsr-4023	2	41	that	that	PRON
fsr-4023	2	42	publishes	publish	VERB
fsr-4023	2	43	the	the	DET
fsr-4023	2	44	journal	journal	NOUN
fsr-4023	2	45	.	.	PUNCT
fsr-4023	3	1	if	if	SCONJ
fsr-4023	3	2	you	you	PRON
fsr-4023	3	3	are	be	AUX
fsr-4023	3	4	not	not	PART
fsr-4023	3	5	a	a	DET
fsr-4023	3	6	member	member	NOUN
fsr-4023	3	7	,	,	PUNCT
fsr-4023	3	8	you	you	PRON
fsr-4023	3	9	ought	ought	AUX
fsr-4023	3	10	to	to	PART
fsr-4023	3	11	be	be	AUX
fsr-4023	3	12	.	.	PUNCT
fsr-4023	4	1	as	as	SCONJ
fsr-4023	4	2	i	i	PRON
fsr-4023	4	3	am	be	AUX
fsr-4023	4	4	writing	write	VERB
fsr-4023	4	5	this	this	DET
fsr-4023	4	6	introduction	introduction	NOUN
fsr-4023	4	7	,	,	PUNCT
fsr-4023	4	8	the	the	DET
fsr-4023	4	9	annual	annual	ADJ
fsr-4023	4	10	conference	conference	NOUN
fsr-4023	4	11	in	in	ADP
fsr-4023	4	12	columbus	columbus	PROPN
fsr-4023	4	13	,	,	PUNCT
fsr-4023	4	14	ohio	ohio	PROPN
fsr-4023	4	15	is	be	AUX
fsr-4023	4	16	in	in	ADP
fsr-4023	4	17	full	full	ADJ
fsr-4023	4	18	swing	swing	NOUN
fsr-4023	4	19	,	,	PUNCT
fsr-4023	4	20	and	and	CCONJ
fsr-4023	4	21	what	what	PRON
fsr-4023	4	22	a	a	DET
fsr-4023	4	23	conference	conference	NOUN
fsr-4023	4	24	it	it	PRON
fsr-4023	4	25	is	be	AUX
fsr-4023	4	26	.	.	PUNCT
fsr-4023	5	1	there	there	PRON
fsr-4023	5	2	truly	truly	ADV
fsr-4023	5	3	is	be	AUX
fsr-4023	5	4	no	no	DET
fsr-4023	5	5	better	well	ADJ
fsr-4023	5	6	place	place	NOUN
fsr-4023	5	7	to	to	PART
fsr-4023	5	8	meet	meet	VERB
fsr-4023	5	9	with	with	ADP
fsr-4023	5	10	colleagues	colleague	NOUN
fsr-4023	5	11	who	who	PRON
fsr-4023	5	12	are	be	AUX
fsr-4023	5	13	interested	interested	ADJ
fsr-4023	5	14	in	in	ADP
fsr-4023	5	15	individual	individual	ADJ
fsr-4023	5	16	financial	financial	ADJ
fsr-4023	5	17	management	management	NOUN
fsr-4023	5	18	issues	issue	NOUN
fsr-4023	5	19	.	.	PUNCT
fsr-4023	6	1	the	the	DET
fsr-4023	6	2	sessions	session	NOUN
fsr-4023	6	3	have	have	AUX
fsr-4023	6	4	been	be	AUX
fsr-4023	6	5	quite	quite	ADV
fsr-4023	6	6	diverse	diverse	ADJ
fsr-4023	6	7	,	,	PUNCT
fsr-4023	6	8	ranging	range	VERB
fsr-4023	6	9	from	from	ADP
fsr-4023	6	10	enhancing	enhance	VERB
fsr-4023	6	11	consumer	consumer	NOUN
fsr-4023	6	12	well	well	ADV
fsr-4023	6	13	-	-	PUNCT
fsr-4023	6	14	being	being	NOUN
fsr-4023	6	15	,	,	PUNCT
fsr-4023	6	16	implementing	implement	VERB
fsr-4023	6	17	complex	complex	ADJ
fsr-4023	6	18	investing	investing	NOUN
fsr-4023	6	19	strategies	strategy	NOUN
fsr-4023	6	20	,	,	PUNCT
fsr-4023	6	21	cross	cross	ADJ
fsr-4023	6	22	-	-	ADJ
fsr-4023	6	23	border	border	ADJ
fsr-4023	6	24	estate	estate	NOUN
fsr-4023	6	25	planning	planning	NOUN
fsr-4023	6	26	,	,	PUNCT
fsr-4023	6	27	and	and	CCONJ
fsr-4023	6	28	exploring	explore	VERB
fsr-4023	6	29	the	the	DET
fsr-4023	6	30	pedagogy	pedagogy	NOUN
fsr-4023	6	31	of	of	ADP
fsr-4023	6	32	financial	financial	ADJ
fsr-4023	6	33	planning	planning	NOUN
fsr-4023	6	34	.	.	PUNCT
fsr-4023	7	1	your	your	PRON
fsr-4023	7	2	membership	membership	NOUN
fsr-4023	7	3	in	in	ADP
fsr-4023	7	4	the	the	DET
fsr-4023	7	5	academy	academy	NOUN
fsr-4023	7	6	helps	help	VERB
fsr-4023	7	7	in	in	ADP
fsr-4023	7	8	building	build	VERB
fsr-4023	7	9	a	a	DET
fsr-4023	7	10	strong	strong	ADJ
fsr-4023	7	11	conference	conference	NOUN
fsr-4023	7	12	and	and	CCONJ
fsr-4023	7	13	journal	journal	NOUN
fsr-4023	7	14	.	.	PUNCT
fsr-4023	8	1	i	i	PRON
fsr-4023	8	2	am	be	AUX
fsr-4023	8	3	excited	excited	ADJ
fsr-4023	8	4	to	to	PART
fsr-4023	8	5	introduce	introduce	VERB
fsr-4023	8	6	the	the	DET
fsr-4023	8	7	papers	paper	NOUN
fsr-4023	8	8	in	in	ADP
fsr-4023	8	9	this	this	DET
fsr-4023	8	10	issue	issue	NOUN
fsr-4023	8	11	.	.	PUNCT
fsr-4023	9	1	the	the	DET
fsr-4023	9	2	first	first	ADJ
fsr-4023	9	3	paper	paper	NOUN
fsr-4023	9	4	was	be	AUX
fsr-4023	9	5	written	write	VERB
fsr-4023	9	6	by	by	ADP
fsr-4023	9	7	drs	drs	PROPN
fsr-4023	9	8	.	.	PROPN
fsr-4023	9	9	shan	shan	PROPN
fsr-4023	9	10	lei	lei	PROPN
fsr-4023	9	11	and	and	CCONJ
fsr-4023	9	12	lu	lu	PROPN
fsr-4023	9	13	fan	fan	PROPN
fsr-4023	9	14	(	(	PUNCT
fsr-4023	9	15	cognitive	cognitive	ADJ
fsr-4023	9	16	ability	ability	NOUN
fsr-4023	9	17	and	and	CCONJ
fsr-4023	9	18	stock	stock	NOUN
fsr-4023	9	19	investment	investment	NOUN
fsr-4023	9	20	among	among	ADP
fsr-4023	9	21	chinese	chinese	ADJ
fsr-4023	9	22	middle	middle	NOUN
fsr-4023	9	23	-	-	PUNCT
fsr-4023	9	24	aged	aged	ADJ
fsr-4023	9	25	and	and	CCONJ
fsr-4023	9	26	older	old	ADJ
fsr-4023	9	27	population	population	NOUN
fsr-4023	9	28	)	)	PUNCT
fsr-4023	9	29	.	.	PUNCT
fsr-4023	10	1	in	in	ADP
fsr-4023	10	2	this	this	DET
fsr-4023	10	3	paper	paper	NOUN
fsr-4023	10	4	,	,	PUNCT
fsr-4023	10	5	they	they	PRON
fsr-4023	10	6	examine	examine	VERB
fsr-4023	10	7	the	the	DET
fsr-4023	10	8	relationship	relationship	NOUN
fsr-4023	10	9	between	between	ADP
fsr-4023	10	10	cognitive	cognitive	ADJ
fsr-4023	10	11	ability	ability	NOUN
fsr-4023	10	12	and	and	CCONJ
fsr-4023	10	13	stock	stock	NOUN
fsr-4023	10	14	investment	investment	NOUN
fsr-4023	10	15	among	among	ADP
fsr-4023	10	16	older	old	ADJ
fsr-4023	10	17	adults	adult	NOUN
fsr-4023	10	18	living	live	VERB
fsr-4023	10	19	in	in	ADP
fsr-4023	10	20	china	china	PROPN
fsr-4023	10	21	.	.	PUNCT
fsr-4023	11	1	using	use	VERB
fsr-4023	11	2	data	datum	NOUN
fsr-4023	11	3	released	release	VERB
fsr-4023	11	4	by	by	ADP
fsr-4023	11	5	the	the	DET
fsr-4023	11	6	harmonized	harmonized	ADJ
fsr-4023	11	7	china	china	PROPN
fsr-4023	11	8	health	health	PROPN
fsr-4023	11	9	and	and	CCONJ
fsr-4023	11	10	retirement	retirement	PROPN
fsr-4023	11	11	longitudinal	longitudinal	ADJ
fsr-4023	11	12	study	study	NOUN
fsr-4023	11	13	(	(	PUNCT
fsr-4023	11	14	charls	charls	PROPN
fsr-4023	11	15	)	)	PUNCT
fsr-4023	11	16	,	,	PUNCT
fsr-4023	11	17	they	they	PRON
fsr-4023	11	18	observed	observe	VERB
fsr-4023	11	19	a	a	DET
fsr-4023	11	20	positive	positive	ADJ
fsr-4023	11	21	association	association	NOUN
fsr-4023	11	22	between	between	ADP
fsr-4023	11	23	cognitive	cognitive	ADJ
fsr-4023	11	24	ability	ability	NOUN
fsr-4023	11	25	and	and	CCONJ
fsr-4023	11	26	stock	stock	NOUN
fsr-4023	11	27	investment	investment	NOUN
fsr-4023	11	28	decisions	decision	NOUN
fsr-4023	11	29	.	.	PUNCT
fsr-4023	12	1	this	this	DET
fsr-4023	12	2	paper	paper	NOUN
fsr-4023	12	3	indicates	indicate	VERB
fsr-4023	12	4	that	that	SCONJ
fsr-4023	12	5	although	although	SCONJ
fsr-4023	12	6	it	it	PRON
fsr-4023	12	7	may	may	AUX
fsr-4023	12	8	feel	feel	VERB
fsr-4023	12	9	awkward	awkward	ADJ
fsr-4023	12	10	for	for	SCONJ
fsr-4023	12	11	a	a	DET
fsr-4023	12	12	financial	financial	ADJ
fsr-4023	12	13	advisor	advisor	NOUN
fsr-4023	12	14	to	to	PART
fsr-4023	12	15	do	do	VERB
fsr-4023	12	16	so	so	ADV
fsr-4023	12	17	in	in	ADP
fsr-4023	12	18	practice	practice	NOUN
fsr-4023	12	19	,	,	PUNCT
fsr-4023	12	20	testing	testing	NOUN
fsr-4023	12	21	client	client	NOUN
fsr-4023	12	22	math	math	NOUN
fsr-4023	12	23	skills	skill	NOUN
fsr-4023	12	24	may	may	AUX
fsr-4023	12	25	be	be	AUX
fsr-4023	12	26	a	a	DET
fsr-4023	12	27	way	way	NOUN
fsr-4023	12	28	to	to	PART
fsr-4023	12	29	indirectly	indirectly	ADV
fsr-4023	12	30	describe	describe	VERB
fsr-4023	12	31	a	a	DET
fsr-4023	12	32	client	client	NOUN
fsr-4023	12	33	's	's	PART
fsr-4023	12	34	stock	stock	NOUN
fsr-4023	12	35	investment	investment	NOUN
fsr-4023	12	36	decisions	decision	NOUN
fsr-4023	12	37	.	.	PUNCT
fsr-4023	13	1	the	the	DET
fsr-4023	13	2	second	second	ADJ
fsr-4023	13	3	paper	paper	NOUN
fsr-4023	13	4	in	in	ADP
fsr-4023	13	5	this	this	DET
fsr-4023	13	6	issue	issue	NOUN
fsr-4023	13	7	,	,	PUNCT
fsr-4023	13	8	written	write	VERB
fsr-4023	13	9	by	by	ADP
fsr-4023	13	10	drs	dr	NOUN
fsr-4023	13	11	.	.	PUNCT
fsr-4023	14	1	pierre	pierre	PROPN
fsr-4023	14	2	-	-	PUNCT
fsr-4023	14	3	etienne	etienne	PROPN
fsr-4023	14	4	pilote	pilote	PROPN
fsr-4023	14	5	,	,	PUNCT
fsr-4023	14	6	emilio	emilio	PROPN
fsr-4023	14	7	boulianne	boulianne	PROPN
fsr-4023	14	8	,	,	PUNCT
fsr-4023	14	9	and	and	CCONJ
fsr-4023	14	10	michel	michel	PROPN
fsr-4023	14	11	magnan	magnan	PROPN
fsr-4023	14	12	(	(	PUNCT
fsr-4023	14	13	impact	impact	NOUN
fsr-4023	14	14	of	of	ADP
fsr-4023	14	15	the	the	DET
fsr-4023	14	16	financial	financial	ADJ
fsr-4023	14	17	advisor	advisor	NOUN
fsr-4023	14	18	on	on	ADP
fsr-4023	14	19	clients	client	NOUN
fsr-4023	14	20	'	'	PART
fsr-4023	14	21	financial	financial	ADJ
fsr-4023	14	22	outcomes	outcome	NOUN
fsr-4023	14	23	:	:	PUNCT
fsr-4023	14	24	an	an	DET
fsr-4023	14	25	integrative	integrative	ADJ
fsr-4023	14	26	model	model	NOUN
fsr-4023	14	27	)	)	PUNCT
fsr-4023	14	28	,	,	PUNCT
fsr-4023	14	29	provides	provide	VERB
fsr-4023	14	30	direct	direct	ADJ
fsr-4023	14	31	evidence	evidence	NOUN
fsr-4023	14	32	regarding	regard	VERB
fsr-4023	14	33	the	the	DET
fsr-4023	14	34	impact	impact	NOUN
fsr-4023	14	35	financial	financial	ADJ
fsr-4023	14	36	advisors	advisor	NOUN
fsr-4023	14	37	have	have	VERB
fsr-4023	14	38	in	in	ADP
fsr-4023	14	39	shaping	shape	VERB
fsr-4023	14	40	client	client	NOUN
fsr-4023	14	41	outcomes	outcome	NOUN
fsr-4023	14	42	.	.	PUNCT
fsr-4023	15	1	using	use	VERB
fsr-4023	15	2	agency	agency	NOUN
fsr-4023	15	3	theory	theory	NOUN
fsr-4023	15	4	,	,	PUNCT
fsr-4023	15	5	trust	trust	NOUN
fsr-4023	15	6	theory	theory	NOUN
fsr-4023	15	7	,	,	PUNCT
fsr-4023	15	8	and	and	CCONJ
fsr-4023	15	9	the	the	DET
fsr-4023	15	10	concept	concept	NOUN
fsr-4023	15	11	of	of	ADP
fsr-4023	15	12	knowledge	knowledge	NOUN
fsr-4023	15	13	,	,	PUNCT
fsr-4023	15	14	this	this	DET
fsr-4023	15	15	team	team	NOUN
fsr-4023	15	16	of	of	ADP
fsr-4023	15	17	researchers	researcher	NOUN
fsr-4023	15	18	presents	present	VERB
fsr-4023	15	19	an	an	DET
fsr-4023	15	20	integrative	integrative	ADJ
fsr-4023	15	21	multi	multi	ADJ
fsr-4023	15	22	-	-	ADJ
fsr-4023	15	23	theory	theory	ADJ
fsr-4023	15	24	model	model	NOUN
fsr-4023	15	25	that	that	PRON
fsr-4023	15	26	illustrates	illustrate	VERB
fsr-4023	15	27	how	how	SCONJ
fsr-4023	15	28	financial	financial	ADJ
fsr-4023	15	29	advisors	advisor	NOUN
fsr-4023	15	30	impact	impact	NOUN
fsr-4023	15	31	client	client	NOUN
fsr-4023	15	32	outcomes	outcome	NOUN
fsr-4023	15	33	at	at	ADP
fsr-4023	15	34	each	each	DET
fsr-4023	15	35	step	step	NOUN
fsr-4023	15	36	of	of	ADP
fsr-4023	15	37	the	the	DET
fsr-4023	15	38	financial	financial	ADJ
fsr-4023	15	39	planning	planning	NOUN
fsr-4023	15	40	advising	advise	VERB
fsr-4023	15	41	process	process	NOUN
fsr-4023	15	42	.	.	PUNCT
fsr-4023	16	1	what	what	PRON
fsr-4023	16	2	is	be	AUX
fsr-4023	16	3	of	of	ADP
fsr-4023	16	4	particular	particular	ADJ
fsr-4023	16	5	value	value	NOUN
fsr-4023	16	6	for	for	ADP
fsr-4023	16	7	researchers	researcher	NOUN
fsr-4023	16	8	is	be	AUX
fsr-4023	16	9	the	the	DET
fsr-4023	16	10	model	model	NOUN
fsr-4023	16	11	's	's	PART
fsr-4023	16	12	causal	causal	ADJ
fsr-4023	16	13	mechanism	mechanism	NOUN
fsr-4023	16	14	that	that	PRON
fsr-4023	16	15	clarifies	clarify	VERB
fsr-4023	16	16	the	the	DET
fsr-4023	16	17	complex	complex	ADJ
fsr-4023	16	18	processes	process	NOUN
fsr-4023	16	19	involved	involve	VERB
fsr-4023	16	20	when	when	SCONJ
fsr-4023	16	21	providing	provide	VERB
fsr-4023	16	22	financial	financial	ADJ
fsr-4023	16	23	advice	advice	NOUN
fsr-4023	16	24	.	.	PUNCT
fsr-4023	17	1	in	in	ADP
fsr-4023	17	2	the	the	DET
fsr-4023	17	3	third	third	ADJ
fsr-4023	17	4	paper	paper	NOUN
fsr-4023	17	5	,	,	PUNCT
fsr-4023	17	6	drs	drs	PROPN
fsr-4023	17	7	.	.	PUNCT
fsr-4023	18	1	yi	yi	PROPN
fsr-4023	18	2	liu	liu	PROPN
fsr-4023	18	3	,	,	PUNCT
fsr-4023	18	4	tao	tao	PROPN
fsr-4023	18	5	guo	guo	PROPN
fsr-4023	18	6	,	,	PUNCT
fsr-4023	18	7	and	and	CCONJ
fsr-4023	18	8	yuanshan	yuanshan	PROPN
fsr-4023	18	9	cheng	cheng	PROPN
fsr-4023	18	10	(	(	PUNCT
fsr-4023	18	11	global	global	ADJ
fsr-4023	18	12	perspectives	perspective	NOUN
fsr-4023	18	13	on	on	ADP
fsr-4023	18	14	the	the	DET
fsr-4023	18	15	determinants	determinant	NOUN
fsr-4023	18	16	of	of	ADP
fsr-4023	18	17	older	old	ADJ
fsr-4023	18	18	adults	adult	NOUN
fsr-4023	18	19	'	'	PART
fsr-4023	18	20	subjective	subjective	ADJ
fsr-4023	18	21	well	well	ADV
fsr-4023	18	22	-	-	PUNCT
fsr-4023	18	23	being	being	NOUN
fsr-4023	18	24	:	:	PUNCT
fsr-4023	18	25	a	a	DET
fsr-4023	18	26	comprehensive	comprehensive	ADJ
fsr-4023	18	27	longitudinal	longitudinal	ADJ
fsr-4023	18	28	study	study	NOUN
fsr-4023	18	29	)	)	PUNCT
fsr-4023	18	30	provide	provide	VERB
fsr-4023	18	31	an	an	DET
fsr-4023	18	32	interesting	interesting	ADJ
fsr-4023	18	33	perspective	perspective	NOUN
fsr-4023	18	34	on	on	ADP
fsr-4023	18	35	the	the	DET
fsr-4023	18	36	topic	topic	NOUN
fsr-4023	18	37	of	of	ADP
fsr-4023	18	38	well	well	ADV
fsr-4023	18	39	-	-	PUNCT
fsr-4023	18	40	being	being	NOUN
fsr-4023	18	41	.	.	PUNCT
fsr-4023	19	1	rather	rather	ADV
fsr-4023	19	2	than	than	SCONJ
fsr-4023	19	3	focus	focus	VERB
fsr-4023	19	4	on	on	ADP
fsr-4023	19	5	a	a	DET
fsr-4023	19	6	single	single	ADJ
fsr-4023	19	7	country	country	NOUN
fsr-4023	19	8	or	or	CCONJ
fsr-4023	19	9	a	a	DET
fsr-4023	19	10	single	single	ADJ
fsr-4023	19	11	sample	sample	NOUN
fsr-4023	19	12	,	,	PUNCT
fsr-4023	19	13	these	these	DET
fsr-4023	19	14	researchers	researcher	NOUN
fsr-4023	19	15	utilized	utilize	VERB
fsr-4023	19	16	international	international	ADJ
fsr-4023	19	17	longitudinal	longitudinal	ADJ
fsr-4023	19	18	surveys	survey	NOUN
fsr-4023	19	19	to	to	PART
fsr-4023	19	20	examine	examine	VERB
fsr-4023	19	21	the	the	DET
fsr-4023	19	22	well	well	ADV
fsr-4023	19	23	-	-	PUNCT
fsr-4023	19	24	being	being	NOUN
fsr-4023	19	25	of	of	ADP
fsr-4023	19	26	older	old	ADJ
fsr-4023	19	27	adults	adult	NOUN
fsr-4023	19	28	.	.	PUNCT
fsr-4023	20	1	liu	liu	PROPN
fsr-4023	20	2	et	et	PROPN
fsr-4023	20	3	al	al	PROPN
fsr-4023	20	4	.	.	PROPN
fsr-4023	20	5	took	take	VERB
fsr-4023	20	6	into	into	ADP
fsr-4023	20	7	consideration	consideration	NOUN
fsr-4023	20	8	microand	microand	NOUN
fsr-4023	20	9	macro	macro	ADJ
fsr-4023	20	10	-	-	NOUN
fsr-4023	20	11	level	level	ADJ
fsr-4023	20	12	determinants	determinant	NOUN
fsr-4023	20	13	of	of	ADP
fsr-4023	20	14	retirement	retirement	NOUN
fsr-4023	20	15	well	well	ADV
fsr-4023	20	16	-	-	PUNCT
fsr-4023	20	17	being	being	NOUN
fsr-4023	20	18	.	.	PUNCT
fsr-4023	21	1	what	what	PRON
fsr-4023	21	2	they	they	PRON
fsr-4023	21	3	found	find	VERB
fsr-4023	21	4	will	will	AUX
fsr-4023	21	5	be	be	AUX
fsr-4023	21	6	of	of	ADP
fsr-4023	21	7	interest	interest	NOUN
fsr-4023	21	8	to	to	ADP
fsr-4023	21	9	policymakers	policymaker	NOUN
fsr-4023	21	10	and	and	CCONJ
fsr-4023	21	11	financial	financial	ADJ
fsr-4023	21	12	advisors	advisor	NOUN
fsr-4023	21	13	.	.	PUNCT
fsr-4023	22	1	they	they	PRON
fsr-4023	22	2	observed	observe	VERB
fsr-4023	22	3	consistent	consistent	ADJ
fsr-4023	22	4	variations	variation	NOUN
fsr-4023	22	5	in	in	ADP
fsr-4023	22	6	happiness	happiness	NOUN
fsr-4023	22	7	levels	level	NOUN
fsr-4023	22	8	across	across	ADP
fsr-4023	22	9	countries	country	NOUN
fsr-4023	22	10	.	.	PUNCT
fsr-4023	23	1	for	for	ADP
fsr-4023	23	2	example	example	NOUN
fsr-4023	23	3	,	,	PUNCT
fsr-4023	23	4	in	in	ADP
fsr-4023	23	5	the	the	DET
fsr-4023	23	6	united	united	PROPN
fsr-4023	23	7	states	states	PROPN
fsr-4023	23	8	,	,	PUNCT
fsr-4023	23	9	they	they	PRON
fsr-4023	23	10	documented	document	VERB
fsr-4023	23	11	a	a	DET
fsr-4023	23	12	positive	positive	ADJ
fsr-4023	23	13	relationship	relationship	NOUN
fsr-4023	23	14	between	between	ADP
fsr-4023	23	15	age	age	NOUN
fsr-4023	23	16	and	and	CCONJ
fsr-4023	23	17	subjective	subjective	ADJ
fsr-4023	23	18	well	well	ADV
fsr-4023	23	19	-	-	PUNCT
fsr-4023	23	20	being	being	NOUN
fsr-4023	23	21	;	;	PUNCT
fsr-4023	23	22	however	however	ADV
fsr-4023	23	23	,	,	PUNCT
fsr-4023	23	24	in	in	ADP
fsr-4023	23	25	europe	europe	PROPN
fsr-4023	23	26	,	,	PUNCT
fsr-4023	23	27	they	they	PRON
fsr-4023	23	28	noted	note	VERB
fsr-4023	23	29	the	the	DET
fsr-4023	23	30	opposite	opposite	ADJ
fsr-4023	23	31	—	—	PUNCT
fsr-4023	23	32	a	a	DET
fsr-4023	23	33	negative	negative	ADJ
fsr-4023	23	34	association	association	NOUN
fsr-4023	23	35	between	between	ADP
fsr-4023	23	36	age	age	NOUN
fsr-4023	23	37	and	and	CCONJ
fsr-4023	23	38	well	well	ADV
fsr-4023	23	39	-	-	PUNCT
fsr-4023	23	40	being	being	NOUN
fsr-4023	23	41	.	.	PUNCT
fsr-4023	24	1	if	if	SCONJ
fsr-4023	24	2	you	you	PRON
fsr-4023	24	3	have	have	VERB
fsr-4023	24	4	an	an	DET
fsr-4023	24	5	interest	interest	NOUN
fsr-4023	24	6	in	in	ADP
fsr-4023	24	7	well	well	ADV
fsr-4023	24	8	-	-	PUNCT
fsr-4023	24	9	being	being	NOUN
fsr-4023	24	10	,	,	PUNCT
fsr-4023	24	11	whether	whether	SCONJ
fsr-4023	24	12	it	it	PRON
fsr-4023	24	13	is	be	AUX
fsr-4023	24	14	at	at	ADP
fsr-4023	24	15	the	the	DET
fsr-4023	24	16	micro	micro	NOUN
fsr-4023	24	17	/	/	NOUN
fsr-4023	24	18	household	household	NOUN
fsr-4023	24	19	level	level	NOUN
fsr-4023	24	20	or	or	CCONJ
fsr-4023	24	21	as	as	ADP
fsr-4023	24	22	a	a	DET
fsr-4023	24	23	policymaker	policymaker	NOUN
fsr-4023	24	24	,	,	PUNCT
fsr-4023	24	25	you	you	PRON
fsr-4023	24	26	will	will	AUX
fsr-4023	24	27	want	want	VERB
fsr-4023	24	28	to	to	PART
fsr-4023	24	29	dive	dive	VERB
fsr-4023	24	30	into	into	ADP
fsr-4023	24	31	the	the	DET
fsr-4023	24	32	implications	implication	NOUN
fsr-4023	24	33	section	section	NOUN
fsr-4023	24	34	of	of	ADP
fsr-4023	24	35	this	this	DET
fsr-4023	24	36	paper	paper	NOUN
fsr-4023	24	37	.	.	PUNCT
fsr-4023	25	1	this	this	DET
fsr-4023	25	2	issue	issue	NOUN
fsr-4023	25	3	of	of	ADP
fsr-4023	25	4	fsr	fsr	PROPN
fsr-4023	25	5	concludes	conclude	VERB
fsr-4023	25	6	with	with	ADP
fsr-4023	25	7	an	an	DET
fsr-4023	25	8	important	important	ADJ
fsr-4023	25	9	paper	paper	NOUN
fsr-4023	25	10	written	write	VERB
fsr-4023	25	11	by	by	ADP
fsr-4023	25	12	mr	mr	PROPN
fsr-4023	25	13	.	.	PROPN
fsr-4023	25	14	zezhong	zezhong	PROPN
fsr-4023	25	15	e.	e.	PROPN
fsr-4023	25	16	zhang	zhang	PROPN
fsr-4023	25	17	,	,	PUNCT
fsr-4023	25	18	dr	dr	PROPN
fsr-4023	25	19	.	.	PROPN
fsr-4023	25	20	sherman	sherman	PROPN
fsr-4023	25	21	d.	d.	PROPN
fsr-4023	25	22	hanna	hanna	PROPN
fsr-4023	25	23	,	,	PUNCT
fsr-4023	25	24	and	and	CCONJ
fsr-4023	25	25	ms	ms	PROPN
fsr-4023	25	26	.	.	PROPN
fsr-4023	25	27	lei	lei	PROPN
fsr-4023	25	28	xu	xu	PROPN
fsr-4023	26	1	(	(	PUNCT
fsr-4023	26	2	the	the	DET
fsr-4023	26	3	effect	effect	NOUN
fsr-4023	26	4	of	of	ADP
fsr-4023	26	5	financial	financial	ADJ
fsr-4023	26	6	knowledge	knowledge	NOUN
fsr-4023	26	7	on	on	ADP
fsr-4023	26	8	workers	worker	NOUN
fsr-4023	26	9	'	'	PART
fsr-4023	26	10	expectation	expectation	NOUN
fsr-4023	26	11	of	of	ADP
fsr-4023	26	12	never	never	ADV
fsr-4023	26	13	retiring	retire	VERB
fsr-4023	26	14	)	)	PUNCT
fsr-4023	26	15	.	.	PUNCT
fsr-4023	27	1	anyone	anyone	PRON
fsr-4023	27	2	who	who	PRON
fsr-4023	27	3	regularly	regularly	ADV
fsr-4023	27	4	reads	read	VERB
fsr-4023	27	5	the	the	DET
fsr-4023	27	6	wall	wall	PROPN
fsr-4023	27	7	street	street	PROPN
fsr-4023	27	8	journal	journal	PROPN
fsr-4023	27	9	or	or	CCONJ
fsr-4023	27	10	personal	personal	ADJ
fsr-4023	27	11	finance	finance	NOUN
fsr-4023	27	12	blogs	blog	NOUN
fsr-4023	27	13	will	will	AUX
fsr-4023	27	14	have	have	AUX
fsr-4023	27	15	come	come	VERB
fsr-4023	27	16	across	across	ADP
fsr-4023	27	17	reports	report	NOUN
fsr-4023	27	18	of	of	ADP
fsr-4023	27	19	individuals	individual	NOUN
fsr-4023	27	20	indicating	indicate	VERB
fsr-4023	27	21	a	a	DET
fsr-4023	27	22	lack	lack	NOUN
fsr-4023	27	23	of	of	ADP
fsr-4023	27	24	willingness	willingness	NOUN
fsr-4023	27	25	or	or	CCONJ
fsr-4023	27	26	ability	ability	NOUN
fsr-4023	27	27	to	to	PART
fsr-4023	27	28	retire	retire	VERB
fsr-4023	27	29	.	.	PUNCT
fsr-4023	28	1	this	this	DET
fsr-4023	28	2	paper	paper	NOUN
fsr-4023	28	3	financial	financial	PROPN
fsr-4023	28	4	services	service	NOUN
fsr-4023	28	5	review	review	PROPN
fsr-4023	28	6	,	,	PUNCT
fsr-4023	28	7	32(3	32(3	NUM
fsr-4023	28	8	)	)	PUNCT
fsr-4023	28	9	ii	ii	PROPN
fsr-4023	28	10	provides	provide	VERB
fsr-4023	28	11	direct	direct	ADJ
fsr-4023	28	12	evidence	evidence	NOUN
fsr-4023	28	13	regarding	regard	VERB
fsr-4023	28	14	the	the	DET
fsr-4023	28	15	veracity	veracity	NOUN
fsr-4023	28	16	of	of	ADP
fsr-4023	28	17	statements	statement	NOUN
fsr-4023	28	18	made	make	VERB
fsr-4023	28	19	by	by	ADP
fsr-4023	28	20	individuals	individual	NOUN
fsr-4023	28	21	about	about	ADP
fsr-4023	28	22	their	their	PRON
fsr-4023	28	23	intention	intention	NOUN
fsr-4023	28	24	to	to	PART
fsr-4023	28	25	retire	retire	VERB
fsr-4023	28	26	.	.	PUNCT
fsr-4023	29	1	zhang	zhang	PROPN
fsr-4023	29	2	et	et	PROPN
fsr-4023	29	3	al	al	PROPN
fsr-4023	29	4	.	.	PROPN
fsr-4023	29	5	found	find	VERB
fsr-4023	29	6	the	the	DET
fsr-4023	29	7	tendency	tendency	NOUN
fsr-4023	29	8	to	to	PART
fsr-4023	29	9	report	report	VERB
fsr-4023	29	10	the	the	DET
fsr-4023	29	11	intention	intention	NOUN
fsr-4023	29	12	to	to	PART
fsr-4023	29	13	"	"	PUNCT
fsr-4023	29	14	never	never	ADV
fsr-4023	29	15	retire	retire	VERB
fsr-4023	29	16	"	"	PUNCT
fsr-4023	29	17	is	be	AUX
fsr-4023	29	18	related	relate	VERB
fsr-4023	29	19	to	to	ADP
fsr-4023	29	20	objective	objective	ADJ
fsr-4023	29	21	financial	financial	ADJ
fsr-4023	29	22	knowledge	knowledge	NOUN
fsr-4023	29	23	,	,	PUNCT
fsr-4023	29	24	with	with	ADP
fsr-4023	29	25	more	more	ADV
fsr-4023	29	26	knowledgeable	knowledgeable	ADJ
fsr-4023	29	27	(	(	PUNCT
fsr-4023	29	28	regardless	regardless	ADV
fsr-4023	29	29	of	of	ADP
fsr-4023	29	30	how	how	SCONJ
fsr-4023	29	31	knowledge	knowledge	NOUN
fsr-4023	29	32	is	be	AUX
fsr-4023	29	33	measured	measure	VERB
fsr-4023	29	34	[	[	X
fsr-4023	29	35	i.e.	i.e.	X
fsr-4023	29	36	,	,	PUNCT
fsr-4023	29	37	objectively	objectively	ADV
fsr-4023	29	38	or	or	CCONJ
fsr-4023	29	39	subjectively	subjectively	ADV
fsr-4023	29	40	]	]	PUNCT
fsr-4023	29	41	)	)	PUNCT
fsr-4023	29	42	people	people	NOUN
fsr-4023	29	43	being	be	AUX
fsr-4023	29	44	less	less	ADV
fsr-4023	29	45	likely	likely	ADJ
fsr-4023	29	46	to	to	PART
fsr-4023	29	47	report	report	VERB
fsr-4023	29	48	an	an	DET
fsr-4023	29	49	intention	intention	NOUN
fsr-4023	29	50	of	of	ADP
fsr-4023	29	51	never	never	ADV
fsr-4023	29	52	retiring	retire	VERB
fsr-4023	29	53	.	.	PUNCT
fsr-4023	30	1	they	they	PRON
fsr-4023	30	2	also	also	ADV
fsr-4023	30	3	noted	note	VERB
fsr-4023	30	4	that	that	SCONJ
fsr-4023	30	5	those	those	PRON
fsr-4023	30	6	who	who	PRON
fsr-4023	30	7	exhibit	exhibit	VERB
fsr-4023	30	8	overconfidence	overconfidence	NOUN
fsr-4023	30	9	are	be	AUX
fsr-4023	30	10	more	more	ADV
fsr-4023	30	11	likely	likely	ADJ
fsr-4023	30	12	to	to	PART
fsr-4023	30	13	give	give	VERB
fsr-4023	30	14	a	a	DET
fsr-4023	30	15	"	"	PUNCT
fsr-4023	30	16	never	never	ADV
fsr-4023	30	17	retire	retire	VERB
fsr-4023	30	18	"	"	PUNCT
fsr-4023	30	19	response	response	NOUN
fsr-4023	30	20	when	when	SCONJ
fsr-4023	30	21	responding	respond	VERB
fsr-4023	30	22	to	to	ADP
fsr-4023	30	23	a	a	DET
fsr-4023	30	24	survey	survey	NOUN
fsr-4023	30	25	.	.	PUNCT
fsr-4023	31	1	anyone	anyone	PRON
fsr-4023	31	2	who	who	PRON
fsr-4023	31	3	provides	provide	VERB
fsr-4023	31	4	retirement	retirement	NOUN
fsr-4023	31	5	planning	planning	NOUN
fsr-4023	31	6	advice	advice	NOUN
fsr-4023	31	7	or	or	CCONJ
fsr-4023	31	8	provides	provide	VERB
fsr-4023	31	9	guidance	guidance	NOUN
fsr-4023	31	10	on	on	ADP
fsr-4023	31	11	retirement	retirement	NOUN
fsr-4023	31	12	planning	planning	NOUN
fsr-4023	31	13	policy	policy	NOUN
fsr-4023	31	14	will	will	AUX
fsr-4023	31	15	find	find	VERB
fsr-4023	31	16	this	this	DET
fsr-4023	31	17	paper	paper	NOUN
fsr-4023	31	18	to	to	PART
fsr-4023	31	19	be	be	AUX
fsr-4023	31	20	a	a	DET
fsr-4023	31	21	fascinating	fascinating	ADJ
fsr-4023	31	22	read	read	NOUN
fsr-4023	31	23	.	.	PUNCT
fsr-4023	32	1	now	now	ADV
fsr-4023	32	2	,	,	PUNCT
fsr-4023	32	3	on	on	ADP
fsr-4023	32	4	to	to	ADP
fsr-4023	32	5	another	another	DET
fsr-4023	32	6	topic	topic	NOUN
fsr-4023	32	7	.	.	PUNCT
fsr-4023	33	1	in	in	ADP
fsr-4023	33	2	my	my	PRON
fsr-4023	33	3	introduction	introduction	NOUN
fsr-4023	33	4	to	to	PART
fsr-4023	33	5	volume	volume	VERB
fsr-4023	33	6	32	32	NUM
fsr-4023	33	7	,	,	PUNCT
fsr-4023	33	8	issue	issue	NOUN
fsr-4023	33	9	1	1	NUM
fsr-4023	33	10	,	,	PUNCT
fsr-4023	33	11	i	i	PRON
fsr-4023	33	12	discussed	discuss	VERB
fsr-4023	33	13	the	the	DET
fsr-4023	33	14	use	use	NOUN
fsr-4023	33	15	of	of	ADP
fsr-4023	33	16	google	google	PROPN
fsr-4023	33	17	scholar	scholar	NOUN
fsr-4023	33	18	as	as	ADP
fsr-4023	33	19	a	a	DET
fsr-4023	33	20	tool	tool	NOUN
fsr-4023	33	21	to	to	PART
fsr-4023	33	22	help	help	VERB
fsr-4023	33	23	with	with	ADP
fsr-4023	33	24	referencing	referencing	NOUN
fsr-4023	33	25	.	.	PUNCT
fsr-4023	34	1	i	i	PRON
fsr-4023	34	2	received	receive	VERB
fsr-4023	34	3	some	some	DET
fsr-4023	34	4	criticism	criticism	NOUN
fsr-4023	34	5	(	(	PUNCT
fsr-4023	34	6	via	via	ADP
fsr-4023	34	7	emails	email	NOUN
fsr-4023	34	8	)	)	PUNCT
fsr-4023	34	9	about	about	ADP
fsr-4023	34	10	this	this	PRON
fsr-4023	34	11	.	.	PUNCT
fsr-4023	35	1	some	some	DET
fsr-4023	35	2	readers	reader	NOUN
fsr-4023	35	3	found	find	VERB
fsr-4023	35	4	the	the	DET
fsr-4023	35	5	use	use	NOUN
fsr-4023	35	6	of	of	ADP
fsr-4023	35	7	this	this	DET
fsr-4023	35	8	introductory	introductory	ADJ
fsr-4023	35	9	space	space	NOUN
fsr-4023	35	10	in	in	ADP
fsr-4023	35	11	the	the	DET
fsr-4023	35	12	journal	journal	NOUN
fsr-4023	35	13	to	to	PART
fsr-4023	35	14	discuss	discuss	VERB
fsr-4023	35	15	ways	way	NOUN
fsr-4023	35	16	to	to	PART
fsr-4023	35	17	enhance	enhance	VERB
fsr-4023	35	18	the	the	DET
fsr-4023	35	19	readability	readability	NOUN
fsr-4023	35	20	of	of	ADP
fsr-4023	35	21	submissions	submission	NOUN
fsr-4023	35	22	inappropriate	inappropriate	ADJ
fsr-4023	35	23	.	.	PUNCT
fsr-4023	36	1	well	well	INTJ
fsr-4023	36	2	,	,	PUNCT
fsr-4023	36	3	these	these	DET
fsr-4023	36	4	readers	reader	NOUN
fsr-4023	36	5	are	be	AUX
fsr-4023	36	6	not	not	PART
fsr-4023	36	7	going	go	VERB
fsr-4023	36	8	to	to	PART
fsr-4023	36	9	like	like	VERB
fsr-4023	36	10	what	what	PRON
fsr-4023	36	11	comes	come	VERB
fsr-4023	36	12	next	next	ADV
fsr-4023	36	13	.	.	PUNCT
fsr-4023	37	1	as	as	SCONJ
fsr-4023	37	2	fsr	fsr	PROPN
fsr-4023	37	3	's	's	PART
fsr-4023	37	4	reputation	reputation	NOUN
fsr-4023	37	5	continues	continue	VERB
fsr-4023	37	6	to	to	PART
fsr-4023	37	7	improve	improve	VERB
fsr-4023	37	8	,	,	PUNCT
fsr-4023	37	9	and	and	CCONJ
fsr-4023	37	10	the	the	DET
fsr-4023	37	11	number	number	NOUN
fsr-4023	37	12	of	of	ADP
fsr-4023	37	13	submissions	submission	NOUN
fsr-4023	37	14	continues	continue	VERB
fsr-4023	37	15	to	to	PART
fsr-4023	37	16	climb	climb	VERB
fsr-4023	37	17	,	,	PUNCT
fsr-4023	37	18	manuscripts	manuscript	NOUN
fsr-4023	37	19	must	must	AUX
fsr-4023	37	20	be	be	AUX
fsr-4023	37	21	well	well	ADV
fsr-4023	37	22	written	write	VERB
fsr-4023	37	23	and	and	CCONJ
fsr-4023	37	24	presented	present	VERB
fsr-4023	37	25	in	in	ADP
fsr-4023	37	26	american	american	ADJ
fsr-4023	37	27	psychological	psychological	PROPN
fsr-4023	37	28	association	association	PROPN
fsr-4023	37	29	(	(	PUNCT
fsr-4023	37	30	apa	apa	PROPN
fsr-4023	37	31	)	)	PUNCT
fsr-4023	37	32	7th	7th	ADJ
fsr-4023	37	33	edition	edition	NOUN
fsr-4023	37	34	format	format	NOUN
fsr-4023	37	35	(	(	PUNCT
fsr-4023	37	36	or	or	CCONJ
fsr-4023	37	37	as	as	ADV
fsr-4023	37	38	close	close	ADJ
fsr-4023	37	39	to	to	ADP
fsr-4023	37	40	that	that	PRON
fsr-4023	37	41	as	as	ADP
fsr-4023	37	42	possible	possible	ADJ
fsr-4023	37	43	)	)	PUNCT
fsr-4023	37	44	to	to	PART
fsr-4023	37	45	have	have	VERB
fsr-4023	37	46	a	a	DET
fsr-4023	37	47	reasonably	reasonably	ADV
fsr-4023	37	48	good	good	ADJ
fsr-4023	37	49	reception	reception	NOUN
fsr-4023	37	50	among	among	ADP
fsr-4023	37	51	reviewers	reviewer	NOUN
fsr-4023	37	52	.	.	PUNCT
fsr-4023	38	1	this	this	PRON
fsr-4023	38	2	can	can	AUX
fsr-4023	38	3	be	be	AUX
fsr-4023	38	4	a	a	DET
fsr-4023	38	5	challenge	challenge	NOUN
fsr-4023	38	6	for	for	ADP
fsr-4023	38	7	those	those	PRON
fsr-4023	38	8	who	who	PRON
fsr-4023	38	9	are	be	AUX
fsr-4023	38	10	used	use	VERB
fsr-4023	38	11	to	to	ADP
fsr-4023	38	12	using	use	VERB
fsr-4023	38	13	harvard	harvard	PROPN
fsr-4023	38	14	,	,	PUNCT
fsr-4023	38	15	mla	mla	PROPN
fsr-4023	38	16	,	,	PUNCT
fsr-4023	38	17	chicago	chicago	PROPN
fsr-4023	38	18	,	,	PUNCT
fsr-4023	38	19	or	or	CCONJ
fsr-4023	38	20	another	another	DET
fsr-4023	38	21	style	style	NOUN
fsr-4023	38	22	manual	manual	NOUN
fsr-4023	38	23	.	.	PUNCT
fsr-4023	39	1	let	let	VERB
fsr-4023	39	2	's	us	PRON
fsr-4023	39	3	look	look	VERB
fsr-4023	39	4	at	at	ADP
fsr-4023	39	5	a	a	DET
fsr-4023	39	6	quick	quick	ADJ
fsr-4023	39	7	shortcut	shortcut	NOUN
fsr-4023	39	8	to	to	PART
fsr-4023	39	9	make	make	VERB
fsr-4023	39	10	the	the	DET
fsr-4023	39	11	conversion	conversion	NOUN
fsr-4023	39	12	from	from	ADP
fsr-4023	39	13	one	one	NUM
fsr-4023	39	14	style	style	NOUN
fsr-4023	39	15	manual	manual	NOUN
fsr-4023	39	16	to	to	ADP
fsr-4023	39	17	another	another	DET
fsr-4023	39	18	quick	quick	ADJ
fsr-4023	39	19	and	and	CCONJ
fsr-4023	39	20	easy	easy	ADJ
fsr-4023	39	21	by	by	ADP
fsr-4023	39	22	focusing	focus	VERB
fsr-4023	39	23	on	on	ADP
fsr-4023	39	24	the	the	DET
fsr-4023	39	25	reference	reference	NOUN
fsr-4023	39	26	list	list	NOUN
fsr-4023	39	27	.	.	PUNCT
fsr-4023	40	1	here	here	ADV
fsr-4023	40	2	is	be	AUX
fsr-4023	40	3	how	how	SCONJ
fsr-4023	40	4	a	a	DET
fsr-4023	40	5	paper	paper	NOUN
fsr-4023	40	6	from	from	ADP
fsr-4023	40	7	fsr	fsr	PROPN
fsr-4023	40	8	is	be	AUX
fsr-4023	40	9	referenced	reference	VERB
fsr-4023	40	10	using	use	VERB
fsr-4023	40	11	mla	mla	NOUN
fsr-4023	40	12	:	:	PUNCT
fsr-4023	40	13	grable	grable	PROPN
fsr-4023	40	14	,	,	PUNCT
fsr-4023	40	15	john	john	PROPN
fsr-4023	40	16	,	,	PUNCT
fsr-4023	40	17	and	and	CCONJ
fsr-4023	40	18	ruth	ruth	PROPN
fsr-4023	40	19	h.	h.	PROPN
fsr-4023	40	20	lytton	lytton	PROPN
fsr-4023	40	21	.	.	PUNCT
fsr-4023	41	1	"	"	PUNCT
fsr-4023	41	2	financial	financial	ADJ
fsr-4023	41	3	risk	risk	NOUN
fsr-4023	41	4	tolerance	tolerance	NOUN
fsr-4023	41	5	revisited	revisit	VERB
fsr-4023	41	6	:	:	PUNCT
fsr-4023	41	7	the	the	DET
fsr-4023	41	8	development	development	NOUN
fsr-4023	41	9	of	of	ADP
fsr-4023	41	10	a	a	DET
fsr-4023	41	11	risk	risk	NOUN
fsr-4023	41	12	assessment	assessment	NOUN
fsr-4023	41	13	instrument	instrument	NOUN
fsr-4023	41	14	.	.	PUNCT
fsr-4023	41	15	"	"	PUNCT
fsr-4023	42	1	financial	financial	ADJ
fsr-4023	42	2	services	service	NOUN
fsr-4023	42	3	review	review	VERB
fsr-4023	42	4	8.3	8.3	NUM
fsr-4023	42	5	(	(	PUNCT
fsr-4023	42	6	1999	1999	NUM
fsr-4023	42	7	):	):	PUNCT
fsr-4023	42	8	163	163	NUM
fsr-4023	42	9	-	-	SYM
fsr-4023	42	10	181	181	NUM
fsr-4023	42	11	.	.	PUNCT
fsr-4023	43	1	it	it	PRON
fsr-4023	43	2	could	could	AUX
fsr-4023	43	3	take	take	VERB
fsr-4023	43	4	hours	hour	NOUN
fsr-4023	43	5	to	to	PART
fsr-4023	43	6	reformat	reformat	VERB
fsr-4023	43	7	a	a	DET
fsr-4023	43	8	reference	reference	NOUN
fsr-4023	43	9	list	list	NOUN
fsr-4023	43	10	from	from	ADP
fsr-4023	43	11	mla	mla	PROPN
fsr-4023	43	12	to	to	ADP
fsr-4023	43	13	apa	apa	PROPN
fsr-4023	43	14	,	,	PUNCT
fsr-4023	43	15	or	or	CCONJ
fsr-4023	43	16	i	i	PRON
fsr-4023	43	17	should	should	AUX
fsr-4023	43	18	say	say	VERB
fsr-4023	43	19	that	that	SCONJ
fsr-4023	43	20	at	at	ADP
fsr-4023	43	21	least	least	ADJ
fsr-4023	43	22	until	until	ADP
fsr-4023	43	23	recently	recently	ADV
fsr-4023	43	24	,	,	PUNCT
fsr-4023	43	25	it	it	PRON
fsr-4023	43	26	would	would	AUX
fsr-4023	43	27	have	have	AUX
fsr-4023	43	28	taken	take	VERB
fsr-4023	43	29	hours	hour	NOUN
fsr-4023	43	30	,	,	PUNCT
fsr-4023	43	31	but	but	CCONJ
fsr-4023	43	32	today	today	NOUN
fsr-4023	43	33	,	,	PUNCT
fsr-4023	43	34	the	the	DET
fsr-4023	43	35	conversion	conversion	NOUN
fsr-4023	43	36	should	should	AUX
fsr-4023	43	37	take	take	VERB
fsr-4023	43	38	just	just	ADV
fsr-4023	43	39	a	a	DET
fsr-4023	43	40	few	few	ADJ
fsr-4023	43	41	minutes	minute	NOUN
fsr-4023	43	42	.	.	PUNCT
fsr-4023	44	1	here	here	ADV
fsr-4023	44	2	is	be	AUX
fsr-4023	44	3	what	what	PRON
fsr-4023	44	4	you	you	PRON
fsr-4023	44	5	can	can	AUX
fsr-4023	44	6	do	do	VERB
fsr-4023	44	7	.	.	PUNCT
fsr-4023	45	1	open	open	ADJ
fsr-4023	45	2	chatgpt	chatgpt	NOUN
fsr-4023	45	3	(	(	PUNCT
fsr-4023	45	4	or	or	CCONJ
fsr-4023	45	5	a	a	DET
fsr-4023	45	6	similar	similar	ADJ
fsr-4023	45	7	ai	ai	NOUN
fsr-4023	45	8	program	program	NOUN
fsr-4023	45	9	)	)	PUNCT
fsr-4023	45	10	and	and	CCONJ
fsr-4023	45	11	ask	ask	VERB
fsr-4023	45	12	chatgpt	chatgpt	NOUN
fsr-4023	45	13	(	(	PUNCT
fsr-4023	45	14	chat.openai.com	chat.openai.com	PROPN
fsr-4023	45	15	)	)	PUNCT
fsr-4023	45	16	to	to	PART
fsr-4023	45	17	"	"	PUNCT
fsr-4023	45	18	convert	convert	VERB
fsr-4023	45	19	this	this	DET
fsr-4023	45	20	reference	reference	NOUN
fsr-4023	45	21	list	list	NOUN
fsr-4023	45	22	to	to	ADP
fsr-4023	45	23	apa	apa	PROPN
fsr-4023	45	24	.	.	PUNCT
fsr-4023	45	25	"	"	PUNCT
fsr-4023	46	1	here	here	ADV
fsr-4023	46	2	is	be	AUX
fsr-4023	46	3	the	the	DET
fsr-4023	46	4	exact	exact	ADJ
fsr-4023	46	5	output	output	NOUN
fsr-4023	46	6	using	use	VERB
fsr-4023	46	7	the	the	DET
fsr-4023	46	8	reference	reference	NOUN
fsr-4023	46	9	from	from	ADP
fsr-4023	46	10	above	above	ADV
fsr-4023	46	11	:	:	PUNCT
fsr-4023	46	12	grable	grable	PROPN
fsr-4023	46	13	,	,	PUNCT
fsr-4023	46	14	j.	j.	PROPN
fsr-4023	46	15	,	,	PUNCT
fsr-4023	46	16	&	&	CCONJ
fsr-4023	46	17	lytton	lytton	PROPN
fsr-4023	46	18	,	,	PUNCT
fsr-4023	46	19	r.	r.	PROPN
fsr-4023	46	20	h.	h.	PROPN
fsr-4023	46	21	(	(	PUNCT
fsr-4023	46	22	1999	1999	NUM
fsr-4023	46	23	)	)	PUNCT
fsr-4023	46	24	.	.	PUNCT
fsr-4023	47	1	financial	financial	ADJ
fsr-4023	47	2	risk	risk	NOUN
fsr-4023	47	3	tolerance	tolerance	NOUN
fsr-4023	47	4	revisited	revisit	VERB
fsr-4023	47	5	:	:	PUNCT
fsr-4023	47	6	the	the	DET
fsr-4023	47	7	development	development	NOUN
fsr-4023	47	8	of	of	ADP
fsr-4023	47	9	a	a	DET
fsr-4023	47	10	risk	risk	NOUN
fsr-4023	47	11	assessment	assessment	NOUN
fsr-4023	47	12	instrument	instrument	NOUN
fsr-4023	47	13	.	.	PUNCT
fsr-4023	48	1	financial	financial	ADJ
fsr-4023	48	2	services	service	NOUN
fsr-4023	48	3	review	review	PROPN
fsr-4023	48	4	,	,	PUNCT
fsr-4023	48	5	8(3	8(3	NUM
fsr-4023	48	6	)	)	PUNCT
fsr-4023	48	7	,	,	PUNCT
fsr-4023	48	8	163	163	NUM
fsr-4023	48	9	-	-	SYM
fsr-4023	48	10	181	181	NUM
fsr-4023	48	11	.	.	PUNCT
fsr-4023	49	1	i	i	PRON
fsr-4023	49	2	've	have	AUX
fsr-4023	49	3	tried	try	VERB
fsr-4023	49	4	this	this	DET
fsr-4023	49	5	dozens	dozen	NOUN
fsr-4023	49	6	of	of	ADP
fsr-4023	49	7	times	time	NOUN
fsr-4023	49	8	with	with	ADP
fsr-4023	49	9	95	95	NUM
fsr-4023	49	10	%	%	NOUN
fsr-4023	49	11	accuracy	accuracy	NOUN
fsr-4023	49	12	.	.	PUNCT
fsr-4023	50	1	today	today	NOUN
fsr-4023	50	2	,	,	PUNCT
fsr-4023	50	3	there	there	PRON
fsr-4023	50	4	is	be	VERB
fsr-4023	50	5	no	no	DET
fsr-4023	50	6	excuse	excuse	NOUN
fsr-4023	50	7	to	to	PART
fsr-4023	50	8	submit	submit	VERB
fsr-4023	50	9	a	a	DET
fsr-4023	50	10	paper	paper	NOUN
fsr-4023	50	11	to	to	ADP
fsr-4023	50	12	this	this	PRON
fsr-4023	50	13	,	,	PUNCT
fsr-4023	50	14	or	or	CCONJ
fsr-4023	50	15	any	any	DET
fsr-4023	50	16	other	other	ADJ
fsr-4023	50	17	,	,	PUNCT
fsr-4023	50	18	journal	journal	NOUN
fsr-4023	50	19	with	with	ADP
fsr-4023	50	20	a	a	DET
fsr-4023	50	21	reference	reference	NOUN
fsr-4023	50	22	list	list	NOUN
fsr-4023	50	23	that	that	PRON
fsr-4023	50	24	is	be	AUX
fsr-4023	50	25	inconsistent	inconsistent	ADJ
fsr-4023	50	26	with	with	ADP
fsr-4023	50	27	fsr	fsr	PROPN
fsr-4023	50	28	's	's	PART
fsr-4023	50	29	style	style	NOUN
fsr-4023	50	30	guidelines	guideline	NOUN
fsr-4023	50	31	.	.	PUNCT
fsr-4023	51	1	it	it	PRON
fsr-4023	51	2	is	be	AUX
fsr-4023	51	3	very	very	ADV
fsr-4023	51	4	important	important	ADJ
fsr-4023	51	5	,	,	PUNCT
fsr-4023	51	6	however	however	ADV
fsr-4023	51	7	,	,	PUNCT
fsr-4023	51	8	to	to	PART
fsr-4023	51	9	provide	provide	VERB
fsr-4023	51	10	a	a	DET
fsr-4023	51	11	disclosure	disclosure	NOUN
fsr-4023	51	12	statement	statement	NOUN
fsr-4023	51	13	(	(	PUNCT
fsr-4023	51	14	this	this	PRON
fsr-4023	51	15	can	can	AUX
fsr-4023	51	16	be	be	AUX
fsr-4023	51	17	in	in	ADP
fsr-4023	51	18	the	the	DET
fsr-4023	51	19	form	form	NOUN
fsr-4023	51	20	of	of	ADP
fsr-4023	51	21	a	a	DET
fsr-4023	51	22	footnote	footnote	NOUN
fsr-4023	51	23	)	)	PUNCT
fsr-4023	51	24	indicating	indicate	VERB
fsr-4023	51	25	that	that	SCONJ
fsr-4023	51	26	ai	ai	VERB
fsr-4023	51	27	(	(	PUNCT
fsr-4023	51	28	i.e.	i.e.	X
fsr-4023	51	29	,	,	PUNCT
fsr-4023	51	30	in	in	ADP
fsr-4023	51	31	this	this	DET
fsr-4023	51	32	case	case	NOUN
fsr-4023	51	33	,	,	PUNCT
fsr-4023	51	34	chatgpt	chatgpt	NOUN
fsr-4023	51	35	)	)	PUNCT
fsr-4023	51	36	was	be	AUX
fsr-4023	51	37	used	use	VERB
fsr-4023	51	38	to	to	PART
fsr-4023	51	39	format	format	VERB
fsr-4023	51	40	the	the	DET
fsr-4023	51	41	reference	reference	NOUN
fsr-4023	51	42	list	list	NOUN
fsr-4023	51	43	.	.	PUNCT
fsr-4023	52	1	as	as	ADV
fsr-4023	52	2	long	long	ADV
fsr-4023	52	3	as	as	SCONJ
fsr-4023	52	4	you	you	PRON
fsr-4023	52	5	(	(	PUNCT
fsr-4023	52	6	the	the	DET
fsr-4023	52	7	author	author	NOUN
fsr-4023	52	8	)	)	PUNCT
fsr-4023	52	9	wrote	write	VERB
fsr-4023	52	10	the	the	DET
fsr-4023	52	11	original	original	ADJ
fsr-4023	52	12	reference	reference	NOUN
fsr-4023	52	13	list	list	NOUN
fsr-4023	52	14	(	(	PUNCT
fsr-4023	52	15	i.e.	i.e.	X
fsr-4023	52	16	,	,	PUNCT
fsr-4023	52	17	it	it	PRON
fsr-4023	52	18	was	be	AUX
fsr-4023	52	19	not	not	PART
fsr-4023	52	20	created	create	VERB
fsr-4023	52	21	by	by	ADP
fsr-4023	52	22	ai	ai	NOUN
fsr-4023	52	23	)	)	PUNCT
fsr-4023	52	24	,	,	PUNCT
fsr-4023	52	25	it	it	PRON
fsr-4023	52	26	is	be	AUX
fsr-4023	52	27	permissible	permissible	ADJ
fsr-4023	52	28	to	to	PART
fsr-4023	52	29	use	use	VERB
fsr-4023	52	30	ai	ai	VERB
fsr-4023	52	31	to	to	PART
fsr-4023	52	32	bring	bring	VERB
fsr-4023	52	33	your	your	PRON
fsr-4023	52	34	paper	paper	NOUN
fsr-4023	52	35	(	(	PUNCT
fsr-4023	52	36	i.e.	i.e.	X
fsr-4023	52	37	,	,	PUNCT
fsr-4023	52	38	your	your	PRON
fsr-4023	52	39	original	original	ADJ
fsr-4023	52	40	work	work	NOUN
fsr-4023	52	41	)	)	PUNCT
fsr-4023	52	42	into	into	ADP
fsr-4023	52	43	alignment	alignment	NOUN
fsr-4023	52	44	with	with	ADP
fsr-4023	52	45	fsr	fsr	PROPN
fsr-4023	52	46	's	's	PART
fsr-4023	52	47	formatting	format	VERB
fsr-4023	52	48	style	style	NOUN
fsr-4023	52	49	.	.	PUNCT
fsr-4023	53	1	of	of	ADP
fsr-4023	53	2	course	course	NOUN
fsr-4023	53	3	,	,	PUNCT
fsr-4023	53	4	you	you	PRON
fsr-4023	53	5	should	should	AUX
fsr-4023	53	6	always	always	ADV
fsr-4023	53	7	disclose	disclose	VERB
fsr-4023	53	8	the	the	DET
fsr-4023	53	9	use	use	NOUN
fsr-4023	53	10	of	of	ADP
fsr-4023	53	11	ai	ai	NOUN
fsr-4023	53	12	,	,	PUNCT
fsr-4023	53	13	but	but	CCONJ
fsr-4023	53	14	i	i	PRON
fsr-4023	53	15	encourage	encourage	VERB
fsr-4023	53	16	authors	author	NOUN
fsr-4023	53	17	to	to	PART
fsr-4023	53	18	make	make	VERB
fsr-4023	53	19	their	their	PRON
fsr-4023	53	20	lives	life	NOUN
fsr-4023	53	21	(	(	PUNCT
fsr-4023	53	22	and	and	CCONJ
fsr-4023	53	23	the	the	DET
fsr-4023	53	24	lives	life	NOUN
fsr-4023	53	25	of	of	ADP
fsr-4023	53	26	the	the	DET
fsr-4023	53	27	editorial	editorial	ADJ
fsr-4023	53	28	team	team	NOUN
fsr-4023	53	29	)	)	PUNCT
fsr-4023	53	30	a	a	DET
fsr-4023	53	31	bit	bit	NOUN
fsr-4023	53	32	easier	easy	ADJ
fsr-4023	53	33	through	through	ADP
fsr-4023	53	34	the	the	DET
fsr-4023	53	35	appropriate	appropriate	ADJ
fsr-4023	53	36	use	use	NOUN
fsr-4023	53	37	of	of	ADP
fsr-4023	53	38	ai	ai	NOUN
fsr-4023	53	39	.	.	PUNCT
fsr-4023	54	1	until	until	ADP
fsr-4023	54	2	next	next	ADJ
fsr-4023	54	3	time	time	NOUN
fsr-4023	54	4	,	,	PUNCT
fsr-4023	54	5	all	all	DET
fsr-4023	54	6	the	the	DET
fsr-4023	54	7	best	good	ADJ
fsr-4023	54	8	,	,	PUNCT
fsr-4023	54	9	john	john	PROPN
fsr-4023	54	10	e.	e.	PROPN
fsr-4023	54	11	grable	grable	PROPN
fsr-4023	54	12	,	,	PUNCT
fsr-4023	54	13	ph.d	ph.d	PROPN
fsr-4023	54	14	.	.	PROPN
fsr-4023	54	15	,	,	PUNCT
fsr-4023	54	16	cfp	cfp	PROPN
fsr-4023	54	17	®	®	NOUN
fsr-4023	54	18	editor	editor	NOUN