id	sid	tid	token	lemma	pos
fsr-4067	1	1	financial	financial	PROPN
fsr-4067	1	2	services	service	NOUN
fsr-4067	1	3	review	review	NOUN
fsr-4067	1	4	,	,	PUNCT
fsr-4067	1	5	33(2	33(2	NUM
fsr-4067	1	6	)	)	PUNCT
fsr-4067	1	7	55	55	NUM
fsr-4067	1	8	consumer	consumer	NOUN
fsr-4067	1	9	margin	margin	NOUN
fsr-4067	1	10	use	use	NOUN
fsr-4067	1	11	:	:	PUNCT
fsr-4067	1	12	understanding	understand	VERB
fsr-4067	1	13	the	the	DET
fsr-4067	1	14	role	role	NOUN
fsr-4067	1	15	of	of	ADP
fsr-4067	1	16	peer	peer	NOUN
fsr-4067	1	17	influence	influence	NOUN
fsr-4067	1	18	,	,	PUNCT
fsr-4067	1	19	investment	investment	NOUN
fsr-4067	1	20	literacy	literacy	NOUN
fsr-4067	1	21	,	,	PUNCT
fsr-4067	1	22	and	and	CCONJ
fsr-4067	1	23	age	age	NOUN
fsr-4067	1	24	kaplan	kaplan	PROPN
fsr-4067	1	25	sanders1	sanders1	PROPN
fsr-4067	1	26	and	and	CCONJ
fsr-4067	1	27	olamide	olamide	PROPN
fsr-4067	1	28	olajide2	olajide2	PROPN
fsr-4067	2	1	abstract	abstract	ADV
fsr-4067	2	2	very	very	ADV
fsr-4067	2	3	little	little	ADJ
fsr-4067	2	4	has	have	AUX
fsr-4067	2	5	been	be	AUX
fsr-4067	2	6	observed	observe	VERB
fsr-4067	2	7	regarding	regard	VERB
fsr-4067	2	8	household	household	NOUN
fsr-4067	2	9	decisions	decision	NOUN
fsr-4067	2	10	around	around	ADP
fsr-4067	2	11	margin	margin	NOUN
fsr-4067	2	12	use	use	NOUN
fsr-4067	2	13	.	.	PUNCT
fsr-4067	3	1	using	use	VERB
fsr-4067	3	2	the	the	DET
fsr-4067	3	3	2021	2021	NUM
fsr-4067	3	4	wave	wave	NOUN
fsr-4067	3	5	of	of	ADP
fsr-4067	3	6	the	the	DET
fsr-4067	3	7	national	national	ADJ
fsr-4067	3	8	financial	financial	ADJ
fsr-4067	3	9	capability	capability	NOUN
fsr-4067	3	10	study	study	NOUN
fsr-4067	3	11	(	(	PUNCT
fsr-4067	3	12	nfcs	nfcs	PROPN
fsr-4067	3	13	)	)	PUNCT
fsr-4067	3	14	,	,	PUNCT
fsr-4067	3	15	this	this	DET
fsr-4067	3	16	study	study	NOUN
fsr-4067	3	17	investigates	investigate	VERB
fsr-4067	3	18	margin	margin	NOUN
fsr-4067	3	19	use	use	NOUN
fsr-4067	3	20	from	from	ADP
fsr-4067	3	21	a	a	DET
fsr-4067	3	22	consumer	consumer	NOUN
fsr-4067	3	23	’s	’s	PART
fsr-4067	3	24	perspective	perspective	NOUN
fsr-4067	3	25	.	.	PUNCT
fsr-4067	4	1	using	use	VERB
fsr-4067	4	2	probit	probit	NOUN
fsr-4067	4	3	analysis	analysis	NOUN
fsr-4067	4	4	and	and	CCONJ
fsr-4067	4	5	observing	observe	VERB
fsr-4067	4	6	correlations	correlation	NOUN
fsr-4067	4	7	,	,	PUNCT
fsr-4067	4	8	relationships	relationship	NOUN
fsr-4067	4	9	between	between	ADP
fsr-4067	4	10	peer	peer	NOUN
fsr-4067	4	11	influence	influence	NOUN
fsr-4067	4	12	,	,	PUNCT
fsr-4067	4	13	investment	investment	NOUN
fsr-4067	4	14	literacy	literacy	NOUN
fsr-4067	4	15	,	,	PUNCT
fsr-4067	4	16	age	age	NOUN
fsr-4067	4	17	,	,	PUNCT
fsr-4067	4	18	and	and	CCONJ
fsr-4067	4	19	margin	margin	NOUN
fsr-4067	4	20	use	use	NOUN
fsr-4067	4	21	are	be	AUX
fsr-4067	4	22	explored	explore	VERB
fsr-4067	4	23	.	.	PUNCT
fsr-4067	5	1	results	result	NOUN
fsr-4067	5	2	indicate	indicate	VERB
fsr-4067	5	3	a	a	DET
fsr-4067	5	4	positive	positive	ADJ
fsr-4067	5	5	peer	peer	NOUN
fsr-4067	5	6	influence	influence	NOUN
fsr-4067	5	7	on	on	ADP
fsr-4067	5	8	the	the	DET
fsr-4067	5	9	decision	decision	NOUN
fsr-4067	5	10	to	to	PART
fsr-4067	5	11	buy	buy	VERB
fsr-4067	5	12	on	on	ADP
fsr-4067	5	13	margin	margin	NOUN
fsr-4067	5	14	.	.	PUNCT
fsr-4067	6	1	also	also	ADV
fsr-4067	6	2	,	,	PUNCT
fsr-4067	6	3	younger	young	ADJ
fsr-4067	6	4	individuals	individual	NOUN
fsr-4067	6	5	and	and	CCONJ
fsr-4067	6	6	individuals	individual	NOUN
fsr-4067	6	7	with	with	ADP
fsr-4067	6	8	higher	high	ADJ
fsr-4067	6	9	degrees	degree	NOUN
fsr-4067	6	10	of	of	ADP
fsr-4067	6	11	investment	investment	NOUN
fsr-4067	6	12	literacy	literacy	NOUN
fsr-4067	6	13	have	have	VERB
fsr-4067	6	14	a	a	DET
fsr-4067	6	15	higher	high	ADJ
fsr-4067	6	16	probability	probability	NOUN
fsr-4067	6	17	of	of	ADP
fsr-4067	6	18	buying	buy	VERB
fsr-4067	6	19	on	on	ADP
fsr-4067	6	20	margin	margin	NOUN
fsr-4067	6	21	.	.	PUNCT
fsr-4067	7	1	these	these	DET
fsr-4067	7	2	findings	finding	NOUN
fsr-4067	7	3	have	have	VERB
fsr-4067	7	4	implications	implication	NOUN
fsr-4067	7	5	for	for	ADP
fsr-4067	7	6	policymakers	policymaker	NOUN
fsr-4067	7	7	as	as	ADV
fsr-4067	7	8	well	well	ADV
fsr-4067	7	9	as	as	ADP
fsr-4067	7	10	those	those	PRON
fsr-4067	7	11	who	who	PRON
fsr-4067	7	12	provide	provide	VERB
fsr-4067	7	13	financial	financial	ADJ
fsr-4067	7	14	advice	advice	NOUN
fsr-4067	7	15	.	.	PUNCT
fsr-4067	8	1	creative	creative	ADJ
fsr-4067	8	2	commons	commons	PROPN
fsr-4067	8	3	license	license	NOUN
fsr-4067	8	4	this	this	DET
fsr-4067	8	5	work	work	NOUN
fsr-4067	8	6	is	be	AUX
fsr-4067	8	7	licensed	license	VERB
fsr-4067	8	8	under	under	ADP
fsr-4067	8	9	a	a	DET
fsr-4067	8	10	creative	creative	ADJ
fsr-4067	8	11	commons	common	NOUN
fsr-4067	8	12	attribution	attribution	NOUN
fsr-4067	8	13	-	-	PUNCT
fsr-4067	8	14	noncommercial	noncommercial	ADJ
fsr-4067	8	15	4.0	4.0	NUM
fsr-4067	8	16	license	license	NOUN
fsr-4067	8	17	recommended	recommend	VERB
fsr-4067	8	18	citation	citation	NOUN
fsr-4067	8	19	sanders	sander	NOUN
fsr-4067	8	20	,	,	PUNCT
fsr-4067	8	21	k.	k.	PROPN
fsr-4067	8	22	&	&	CCONJ
fsr-4067	8	23	olajide	olajide	PROPN
fsr-4067	8	24	,	,	PUNCT
fsr-4067	8	25	o.	o.	PROPN
fsr-4067	8	26	(	(	PUNCT
fsr-4067	8	27	2025	2025	NUM
fsr-4067	8	28	)	)	PUNCT
fsr-4067	8	29	.	.	PUNCT
fsr-4067	9	1	consumer	consumer	NOUN
fsr-4067	9	2	margin	margin	NOUN
fsr-4067	9	3	use	use	NOUN
fsr-4067	9	4	:	:	PUNCT
fsr-4067	9	5	understanding	understand	VERB
fsr-4067	9	6	the	the	DET
fsr-4067	9	7	role	role	NOUN
fsr-4067	9	8	of	of	ADP
fsr-4067	9	9	peer	peer	NOUN
fsr-4067	9	10	influence	influence	NOUN
fsr-4067	9	11	,	,	PUNCT
fsr-4067	9	12	investment	investment	NOUN
fsr-4067	9	13	literacy	literacy	NOUN
fsr-4067	9	14	,	,	PUNCT
fsr-4067	9	15	and	and	CCONJ
fsr-4067	9	16	age	age	NOUN
fsr-4067	9	17	.	.	PUNCT
fsr-4067	10	1	financial	financial	ADJ
fsr-4067	10	2	services	service	NOUN
fsr-4067	10	3	review	review	PROPN
fsr-4067	10	4	,	,	PUNCT
fsr-4067	10	5	33(2	33(2	NUM
fsr-4067	10	6	)	)	PUNCT
fsr-4067	10	7	,	,	PUNCT
fsr-4067	10	8	55	55	NUM
fsr-4067	10	9	-	-	SYM
fsr-4067	10	10	73	73	NUM
fsr-4067	10	11	.	.	PUNCT
fsr-4067	11	1	introduction	introduction	NOUN
fsr-4067	11	2	as	as	ADP
fsr-4067	11	3	of	of	ADP
fsr-4067	11	4	may	may	PROPN
fsr-4067	11	5	2024	2024	NUM
fsr-4067	11	6	,	,	PUNCT
fsr-4067	11	7	debit	debit	VERB
fsr-4067	11	8	balances	balance	NOUN
fsr-4067	11	9	in	in	ADP
fsr-4067	11	10	customers	customer	NOUN
fsr-4067	11	11	’	'	PUNCT
fsr-4067	11	12	margin	margin	NOUN
fsr-4067	11	13	accounts	account	NOUN
fsr-4067	11	14	for	for	ADP
fsr-4067	11	15	financial	financial	ADJ
fsr-4067	11	16	securities	security	NOUN
fsr-4067	11	17	exceeded	exceed	VERB
fsr-4067	11	18	$	$	SYM
fsr-4067	11	19	809	809	NUM
fsr-4067	11	20	million	million	NUM
fsr-4067	11	21	dollars	dollar	NOUN
fsr-4067	11	22	(	(	PUNCT
fsr-4067	11	23	finra	finra	NOUN
fsr-4067	11	24	,	,	PUNCT
fsr-4067	11	25	2024	2024	NUM
fsr-4067	11	26	)	)	PUNCT
fsr-4067	11	27	.	.	PUNCT
fsr-4067	12	1	these	these	DET
fsr-4067	12	2	debit	debit	NOUN
fsr-4067	12	3	balances	balance	NOUN
fsr-4067	12	4	represent	represent	VERB
fsr-4067	12	5	an	an	DET
fsr-4067	12	6	opportunity	opportunity	NOUN
fsr-4067	12	7	,	,	PUNCT
fsr-4067	12	8	at	at	ADP
fsr-4067	12	9	a	a	DET
fsr-4067	12	10	cost	cost	NOUN
fsr-4067	12	11	,	,	PUNCT
fsr-4067	12	12	to	to	PART
fsr-4067	12	13	increase	increase	VERB
fsr-4067	12	14	buying	buy	VERB
fsr-4067	12	15	power	power	NOUN
fsr-4067	12	16	in	in	ADP
fsr-4067	12	17	an	an	DET
fsr-4067	12	18	effort	effort	NOUN
fsr-4067	12	19	to	to	PART
fsr-4067	12	20	improve	improve	VERB
fsr-4067	12	21	portfolio	portfolio	NOUN
fsr-4067	12	22	returns	return	NOUN
fsr-4067	12	23	.	.	PUNCT
fsr-4067	13	1	buying	buy	VERB
fsr-4067	13	2	on	on	ADP
fsr-4067	13	3	margin	margin	NOUN
fsr-4067	13	4	allows	allow	VERB
fsr-4067	13	5	investors	investor	NOUN
fsr-4067	13	6	to	to	PART
fsr-4067	13	7	borrow	borrow	VERB
fsr-4067	13	8	funds	fund	NOUN
fsr-4067	13	9	from	from	ADP
fsr-4067	13	10	a	a	DET
fsr-4067	13	11	broker	broker	NOUN
fsr-4067	13	12	to	to	PART
fsr-4067	13	13	increase	increase	VERB
fsr-4067	13	14	their	their	PRON
fsr-4067	13	15	purchasing	purchase	VERB
fsr-4067	13	16	power	power	NOUN
fsr-4067	13	17	and	and	CCONJ
fsr-4067	13	18	opens	open	VERB
fsr-4067	13	19	up	up	ADP
fsr-4067	13	20	a	a	DET
fsr-4067	13	21	wider	wide	ADJ
fsr-4067	13	22	range	range	NOUN
fsr-4067	13	23	of	of	ADP
fsr-4067	13	24	investment	investment	NOUN
fsr-4067	13	25	strategies	strategy	NOUN
fsr-4067	13	26	.	.	PUNCT
fsr-4067	14	1	when	when	SCONJ
fsr-4067	14	2	investors	investor	NOUN
fsr-4067	14	3	make	make	VERB
fsr-4067	14	4	the	the	DET
fsr-4067	14	5	decision	decision	NOUN
fsr-4067	14	6	to	to	PART
fsr-4067	14	7	buy	buy	VERB
fsr-4067	14	8	on	on	ADP
fsr-4067	14	9	margin	margin	NOUN
fsr-4067	14	10	,	,	PUNCT
fsr-4067	14	11	they	they	PRON
fsr-4067	14	12	use	use	VERB
fsr-4067	14	13	their	their	PRON
fsr-4067	14	14	portfolios	portfolio	NOUN
fsr-4067	14	15	as	as	ADP
fsr-4067	14	16	collateral	collateral	NOUN
fsr-4067	14	17	,	,	PUNCT
fsr-4067	14	18	bringing	bring	VERB
fsr-4067	14	19	the	the	DET
fsr-4067	14	20	potential	potential	NOUN
fsr-4067	14	21	for	for	ADP
fsr-4067	14	22	greater	great	ADJ
fsr-4067	14	23	investment	investment	NOUN
fsr-4067	14	24	volatility	volatility	NOUN
fsr-4067	14	25	,	,	PUNCT
fsr-4067	14	26	margin	margin	NOUN
fsr-4067	14	27	calls	call	NOUN
fsr-4067	14	28	,	,	PUNCT
fsr-4067	14	29	and	and	CCONJ
fsr-4067	14	30	even	even	ADV
fsr-4067	14	31	a	a	DET
fsr-4067	14	32	possible	possible	ADJ
fsr-4067	14	33	forced	force	VERB
fsr-4067	14	34	liquidation	liquidation	NOUN
fsr-4067	14	35	of	of	ADP
fsr-4067	14	36	the	the	DET
fsr-4067	14	37	investor	investor	NOUN
fsr-4067	14	38	’s	’s	PART
fsr-4067	14	39	position	position	NOUN
fsr-4067	14	40	.	.	PUNCT
fsr-4067	15	1	therefore	therefore	ADV
fsr-4067	15	2	,	,	PUNCT
fsr-4067	15	3	an	an	DET
fsr-4067	15	4	investor	investor	NOUN
fsr-4067	15	5	deciding	decide	VERB
fsr-4067	15	6	to	to	PART
fsr-4067	15	7	borrow	borrow	VERB
fsr-4067	15	8	on	on	ADP
fsr-4067	15	9	margin	margin	NOUN
fsr-4067	15	10	must	must	AUX
fsr-4067	15	11	not	not	PART
fsr-4067	15	12	only	only	ADV
fsr-4067	15	13	consider	consider	VERB
fsr-4067	15	14	the	the	DET
fsr-4067	15	15	terms	term	NOUN
fsr-4067	15	16	of	of	ADP
fsr-4067	15	17	the	the	DET
fsr-4067	15	18	loan	loan	NOUN
fsr-4067	15	19	,	,	PUNCT
fsr-4067	15	20	but	but	CCONJ
fsr-4067	15	21	also	also	ADV
fsr-4067	15	22	the	the	DET
fsr-4067	15	23	stability	stability	NOUN
fsr-4067	15	24	of	of	ADP
fsr-4067	15	25	the	the	DET
fsr-4067	15	26	portfolio	portfolio	NOUN
fsr-4067	15	27	,	,	PUNCT
fsr-4067	15	28	market	market	NOUN
fsr-4067	15	29	prospects	prospect	NOUN
fsr-4067	15	30	,	,	PUNCT
fsr-4067	15	31	and	and	CCONJ
fsr-4067	15	32	accessibility	accessibility	NOUN
fsr-4067	15	33	to	to	ADP
fsr-4067	15	34	other	other	ADJ
fsr-4067	15	35	funds	fund	NOUN
fsr-4067	15	36	in	in	ADP
fsr-4067	15	37	the	the	DET
fsr-4067	15	38	event	event	NOUN
fsr-4067	15	39	of	of	ADP
fsr-4067	15	40	an	an	DET
fsr-4067	15	41	economic	economic	ADJ
fsr-4067	15	42	downturn	downturn	NOUN
fsr-4067	15	43	.	.	PUNCT
fsr-4067	16	1	1	1	NUM
fsr-4067	16	2	corresponding	correspond	VERB
fsr-4067	16	3	author	author	NOUN
fsr-4067	16	4	(	(	PUNCT
fsr-4067	16	5	kaplan.sanders@utahtech.edu	kaplan.sanders@utahtech.edu	PROPN
fsr-4067	16	6	)	)	PUNCT
fsr-4067	16	7	.	.	PUNCT
fsr-4067	17	1	utah	utah	PROPN
fsr-4067	17	2	tech	tech	PROPN
fsr-4067	17	3	university	university	PROPN
fsr-4067	17	4	,	,	PUNCT
fsr-4067	17	5	st	st	PROPN
fsr-4067	17	6	.	.	PROPN
fsr-4067	17	7	george	george	PROPN
fsr-4067	17	8	,	,	PUNCT
fsr-4067	17	9	utah	utah	PROPN
fsr-4067	17	10	,	,	PUNCT
fsr-4067	17	11	usa	usa	PROPN
fsr-4067	17	12	.	.	PROPN
fsr-4067	17	13	2	2	NUM
fsr-4067	17	14	texas	texas	PROPN
fsr-4067	17	15	tech	tech	PROPN
fsr-4067	17	16	university	university	PROPN
fsr-4067	17	17	,	,	PUNCT
fsr-4067	17	18	lubbock	lubbock	PROPN
fsr-4067	17	19	,	,	PUNCT
fsr-4067	17	20	texas	texas	PROPN
fsr-4067	17	21	,	,	PUNCT
fsr-4067	17	22	usa	usa	PROPN
fsr-4067	17	23	.	.	PUNCT
fsr-4067	18	1	the	the	DET
fsr-4067	18	2	decision	decision	NOUN
fsr-4067	18	3	to	to	PART
fsr-4067	18	4	buy	buy	VERB
fsr-4067	18	5	on	on	ADP
fsr-4067	18	6	margin	margin	NOUN
fsr-4067	18	7	is	be	AUX
fsr-4067	18	8	similar	similar	ADJ
fsr-4067	18	9	to	to	ADP
fsr-4067	18	10	other	other	ADJ
fsr-4067	18	11	consumer	consumer	NOUN
fsr-4067	18	12	decisions	decision	NOUN
fsr-4067	18	13	.	.	PUNCT
fsr-4067	19	1	juster	just	ADJ
fsr-4067	19	2	and	and	CCONJ
fsr-4067	19	3	shay	shay	PROPN
fsr-4067	19	4	(	(	PUNCT
fsr-4067	19	5	1964	1964	NUM
fsr-4067	19	6	)	)	PUNCT
fsr-4067	19	7	reveal	reveal	VERB
fsr-4067	19	8	why	why	SCONJ
fsr-4067	19	9	individuals	individual	NOUN
fsr-4067	19	10	might	might	AUX
fsr-4067	19	11	make	make	VERB
fsr-4067	19	12	purchases	purchase	NOUN
fsr-4067	19	13	on	on	ADP
fsr-4067	19	14	margin	margin	NOUN
fsr-4067	19	15	when	when	SCONJ
fsr-4067	19	16	they	they	PRON
fsr-4067	19	17	compare	compare	VERB
fsr-4067	19	18	individual	individual	ADJ
fsr-4067	19	19	and	and	CCONJ
fsr-4067	19	20	corporate	corporate	ADJ
fsr-4067	19	21	investments	investment	NOUN
fsr-4067	19	22	in	in	ADP
fsr-4067	19	23	debt	debt	NOUN
fsr-4067	19	24	.	.	PUNCT
fsr-4067	20	1	much	much	ADV
fsr-4067	20	2	like	like	ADP
fsr-4067	20	3	a	a	DET
fsr-4067	20	4	corporation	corporation	NOUN
fsr-4067	20	5	that	that	PRON
fsr-4067	20	6	weighs	weigh	VERB
fsr-4067	20	7	alternatives	alternative	NOUN
fsr-4067	20	8	when	when	SCONJ
fsr-4067	20	9	considering	consider	VERB
fsr-4067	20	10	taking	take	VERB
fsr-4067	20	11	on	on	ADP
fsr-4067	20	12	a	a	DET
fsr-4067	20	13	loan	loan	NOUN
fsr-4067	20	14	to	to	PART
fsr-4067	20	15	improve	improve	VERB
fsr-4067	20	16	profits	profit	NOUN
fsr-4067	20	17	,	,	PUNCT
fsr-4067	20	18	an	an	DET
fsr-4067	20	19	individual	individual	NOUN
fsr-4067	20	20	will	will	AUX
fsr-4067	20	21	borrow	borrow	VERB
fsr-4067	20	22	on	on	ADP
fsr-4067	20	23	margin	margin	NOUN
fsr-4067	20	24	only	only	ADV
fsr-4067	20	25	when	when	SCONJ
fsr-4067	20	26	they	they	PRON
fsr-4067	20	27	perceive	perceive	VERB
fsr-4067	20	28	that	that	SCONJ
fsr-4067	20	29	the	the	DET
fsr-4067	20	30	financial	financial	ADJ
fsr-4067	20	31	and	and	CCONJ
fsr-4067	20	32	psychological	psychological	ADJ
fsr-4067	20	33	benefits	benefit	NOUN
fsr-4067	20	34	outweigh	outweigh	VERB
fsr-4067	20	35	the	the	DET
fsr-4067	20	36	financial	financial	ADJ
fsr-4067	20	37	and	and	CCONJ
fsr-4067	20	38	psychological	psychological	ADJ
fsr-4067	20	39	costs	cost	NOUN
fsr-4067	20	40	associated	associate	VERB
fsr-4067	20	41	with	with	ADP
fsr-4067	20	42	the	the	DET
fsr-4067	20	43	debt	debt	NOUN
fsr-4067	20	44	.	.	PUNCT
fsr-4067	21	1	in	in	ADP
fsr-4067	21	2	this	this	DET
fsr-4067	21	3	context	context	NOUN
fsr-4067	21	4	,	,	PUNCT
fsr-4067	21	5	if	if	SCONJ
fsr-4067	21	6	an	an	DET
fsr-4067	21	7	individual	individual	NOUN
fsr-4067	21	8	expects	expect	VERB
fsr-4067	21	9	a	a	DET
fsr-4067	21	10	net	net	ADJ
fsr-4067	21	11	increase	increase	NOUN
fsr-4067	21	12	in	in	ADP
fsr-4067	21	13	utility	utility	NOUN
fsr-4067	21	14	,	,	PUNCT
fsr-4067	21	15	considering	consider	VERB
fsr-4067	21	16	all	all	DET
fsr-4067	21	17	costs	cost	NOUN
fsr-4067	21	18	,	,	PUNCT
fsr-4067	21	19	they	they	PRON
fsr-4067	21	20	are	be	AUX
fsr-4067	21	21	likely	likely	ADJ
fsr-4067	21	22	to	to	PART
fsr-4067	21	23	choose	choose	VERB
fsr-4067	21	24	to	to	PART
fsr-4067	21	25	buy	buy	VERB
fsr-4067	21	26	on	on	ADP
fsr-4067	21	27	margin	margin	NOUN
fsr-4067	21	28	.	.	PUNCT
fsr-4067	22	1	the	the	DET
fsr-4067	22	2	majority	majority	NOUN
fsr-4067	22	3	of	of	ADP
fsr-4067	22	4	the	the	DET
fsr-4067	22	5	literature	literature	NOUN
fsr-4067	22	6	on	on	ADP
fsr-4067	22	7	margin	margin	NOUN
fsr-4067	22	8	has	have	AUX
fsr-4067	22	9	not	not	PART
fsr-4067	22	10	focused	focus	VERB
fsr-4067	22	11	on	on	ADP
fsr-4067	22	12	individual	individual	ADJ
fsr-4067	22	13	investors	investor	NOUN
fsr-4067	22	14	but	but	CCONJ
fsr-4067	22	15	has	have	AUX
fsr-4067	22	16	instead	instead	ADV
fsr-4067	22	17	concentrated	concentrate	VERB
fsr-4067	22	18	on	on	ADP
fsr-4067	22	19	the	the	DET
fsr-4067	22	20	effects	effect	NOUN
fsr-4067	22	21	that	that	PRON
fsr-4067	22	22	margin	margin	NOUN
fsr-4067	22	23	requirements	requirement	NOUN
fsr-4067	22	24	and	and	CCONJ
fsr-4067	22	25	margin	margin	NOUN
fsr-4067	22	26	purchases	purchase	NOUN
fsr-4067	22	27	have	have	VERB
fsr-4067	22	28	on	on	ADP
fsr-4067	22	29	the	the	DET
fsr-4067	22	30	market	market	NOUN
fsr-4067	22	31	.	.	PUNCT
fsr-4067	23	1	for	for	ADP
fsr-4067	23	2	example	example	NOUN
fsr-4067	23	3	,	,	PUNCT
fsr-4067	23	4	as	as	SCONJ
fsr-4067	23	5	margin	margin	NOUN
fsr-4067	23	6	requirements	requirement	NOUN
fsr-4067	23	7	decrease	decrease	VERB
fsr-4067	23	8	,	,	PUNCT
fsr-4067	23	9	the	the	DET
fsr-4067	23	10	amount	amount	NOUN
fsr-4067	23	11	of	of	ADP
fsr-4067	23	12	margin	margin	NOUN
fsr-4067	23	13	available	available	ADJ
fsr-4067	23	14	to	to	ADP
fsr-4067	23	15	investors	investor	NOUN
fsr-4067	23	16	increases	increase	NOUN
fsr-4067	23	17	,	,	PUNCT
fsr-4067	23	18	resulting	result	VERB
fsr-4067	23	19	in	in	ADP
fsr-4067	23	20	higher	high	ADJ
fsr-4067	23	21	price	price	NOUN
fsr-4067	23	22	https://creativecommons.org/licenses/by-nc/4.0/	https://creativecommons.org/licenses/by-nc/4.0/	ADP
fsr-4067	23	23	https://creativecommons.org/licenses/by-nc/4.0/	https://creativecommons.org/licenses/by-nc/4.0/	PRON
fsr-4067	23	24	financial	financial	ADJ
fsr-4067	23	25	services	service	NOUN
fsr-4067	23	26	review	review	NOUN
fsr-4067	23	27	,	,	PUNCT
fsr-4067	23	28	33(2	33(2	NUM
fsr-4067	23	29	)	)	PUNCT
fsr-4067	23	30	56	56	NUM
fsr-4067	23	31	volatility	volatility	NOUN
fsr-4067	23	32	and	and	CCONJ
fsr-4067	23	33	trading	trading	NOUN
fsr-4067	23	34	volume	volume	NOUN
fsr-4067	23	35	(	(	PUNCT
fsr-4067	23	36	zhang	zhang	PROPN
fsr-4067	23	37	&	&	CCONJ
fsr-4067	23	38	li	li	PROPN
fsr-4067	23	39	,	,	PUNCT
fsr-4067	23	40	2013	2013	NUM
fsr-4067	23	41	)	)	PUNCT
fsr-4067	23	42	.	.	PUNCT
fsr-4067	24	1	similar	similar	ADJ
fsr-4067	24	2	results	result	NOUN
fsr-4067	24	3	are	be	AUX
fsr-4067	24	4	found	find	VERB
fsr-4067	24	5	in	in	ADP
fsr-4067	24	6	japanese	japanese	ADJ
fsr-4067	24	7	stock	stock	NOUN
fsr-4067	24	8	markets	market	NOUN
fsr-4067	24	9	(	(	PUNCT
fsr-4067	24	10	hardouvelis	hardouvelis	PROPN
fsr-4067	24	11	&	&	CCONJ
fsr-4067	24	12	peristiani	peristiani	PROPN
fsr-4067	24	13	,	,	PUNCT
fsr-4067	24	14	1992	1992	NUM
fsr-4067	24	15	)	)	PUNCT
fsr-4067	24	16	.	.	PUNCT
fsr-4067	25	1	in	in	ADP
fsr-4067	25	2	addition	addition	NOUN
fsr-4067	25	3	,	,	PUNCT
fsr-4067	25	4	buying	buy	VERB
fsr-4067	25	5	on	on	ADP
fsr-4067	25	6	margin	margin	NOUN
fsr-4067	25	7	may	may	AUX
fsr-4067	25	8	lead	lead	VERB
fsr-4067	25	9	to	to	ADP
fsr-4067	25	10	speculative	speculative	ADJ
fsr-4067	25	11	stock	stock	NOUN
fsr-4067	25	12	bubbles	bubble	NOUN
fsr-4067	25	13	when	when	SCONJ
fsr-4067	25	14	the	the	DET
fsr-4067	25	15	market	market	NOUN
fsr-4067	25	16	prohibits	prohibit	VERB
fsr-4067	25	17	short	short	ADJ
fsr-4067	25	18	selling	selling	NOUN
fsr-4067	25	19	(	(	PUNCT
fsr-4067	25	20	ackert	ackert	PROPN
fsr-4067	25	21	et	et	PROPN
fsr-4067	25	22	al	al	PROPN
fsr-4067	25	23	.	.	PROPN
fsr-4067	25	24	,	,	PUNCT
fsr-4067	25	25	2006	2006	NUM
fsr-4067	25	26	)	)	PUNCT
fsr-4067	25	27	.	.	PUNCT
fsr-4067	26	1	observing	observe	VERB
fsr-4067	26	2	individual	individual	ADJ
fsr-4067	26	3	investment	investment	NOUN
fsr-4067	26	4	behavior	behavior	NOUN
fsr-4067	26	5	using	use	VERB
fsr-4067	26	6	simulated	simulated	ADJ
fsr-4067	26	7	data	datum	NOUN
fsr-4067	26	8	,	,	PUNCT
fsr-4067	26	9	ayres	ayre	NOUN
fsr-4067	26	10	and	and	CCONJ
fsr-4067	26	11	nalebuff	nalebuff	NOUN
fsr-4067	26	12	(	(	PUNCT
fsr-4067	26	13	2010	2010	NUM
fsr-4067	26	14	)	)	PUNCT
fsr-4067	26	15	argue	argue	VERB
fsr-4067	26	16	that	that	SCONJ
fsr-4067	26	17	younger	young	ADJ
fsr-4067	26	18	investors	investor	NOUN
fsr-4067	26	19	who	who	PRON
fsr-4067	26	20	face	face	VERB
fsr-4067	26	21	liquidity	liquidity	NOUN
fsr-4067	26	22	constraints	constraint	NOUN
fsr-4067	26	23	may	may	AUX
fsr-4067	26	24	only	only	ADV
fsr-4067	26	25	be	be	AUX
fsr-4067	26	26	able	able	ADJ
fsr-4067	26	27	to	to	PART
fsr-4067	26	28	have	have	VERB
fsr-4067	26	29	a	a	DET
fsr-4067	26	30	diversified	diversified	ADJ
fsr-4067	26	31	portfolio	portfolio	NOUN
fsr-4067	26	32	of	of	ADP
fsr-4067	26	33	stocks	stock	NOUN
fsr-4067	26	34	by	by	ADP
fsr-4067	26	35	borrowing	borrow	VERB
fsr-4067	26	36	on	on	ADP
fsr-4067	26	37	margin	margin	NOUN
fsr-4067	26	38	.	.	PUNCT
fsr-4067	27	1	an	an	DET
fsr-4067	27	2	investor	investor	NOUN
fsr-4067	27	3	’s	’s	PART
fsr-4067	27	4	decision	decision	NOUN
fsr-4067	27	5	to	to	PART
fsr-4067	27	6	purchase	purchase	VERB
fsr-4067	27	7	securities	security	NOUN
fsr-4067	27	8	on	on	ADP
fsr-4067	27	9	margin	margin	NOUN
fsr-4067	27	10	may	may	AUX
fsr-4067	27	11	be	be	AUX
fsr-4067	27	12	based	base	VERB
fsr-4067	27	13	on	on	ADP
fsr-4067	27	14	their	their	PRON
fsr-4067	27	15	own	own	ADJ
fsr-4067	27	16	human	human	ADJ
fsr-4067	27	17	capital	capital	NOUN
fsr-4067	27	18	or	or	CCONJ
fsr-4067	27	19	by	by	ADP
fsr-4067	27	20	relying	rely	VERB
fsr-4067	27	21	on	on	ADP
fsr-4067	27	22	the	the	DET
fsr-4067	27	23	decisions	decision	NOUN
fsr-4067	27	24	and	and	CCONJ
fsr-4067	27	25	behavior	behavior	NOUN
fsr-4067	27	26	of	of	ADP
fsr-4067	27	27	other	other	ADJ
fsr-4067	27	28	investors	investor	NOUN
fsr-4067	27	29	.	.	PUNCT
fsr-4067	28	1	the	the	DET
fsr-4067	28	2	use	use	NOUN
fsr-4067	28	3	of	of	ADP
fsr-4067	28	4	an	an	DET
fsr-4067	28	5	investor	investor	NOUN
fsr-4067	28	6	’s	’s	PART
fsr-4067	28	7	own	own	ADJ
fsr-4067	28	8	human	human	ADJ
fsr-4067	28	9	capital	capital	NOUN
fsr-4067	28	10	to	to	PART
fsr-4067	28	11	make	make	VERB
fsr-4067	28	12	margin	margin	NOUN
fsr-4067	28	13	purchases	purchase	NOUN
fsr-4067	28	14	can	can	AUX
fsr-4067	28	15	be	be	AUX
fsr-4067	28	16	assessed	assess	VERB
fsr-4067	28	17	by	by	ADP
fsr-4067	28	18	measuring	measure	VERB
fsr-4067	28	19	their	their	PRON
fsr-4067	28	20	investment	investment	NOUN
fsr-4067	28	21	knowledge	knowledge	NOUN
fsr-4067	28	22	.	.	PUNCT
fsr-4067	29	1	as	as	ADP
fsr-4067	29	2	an	an	DET
fsr-4067	29	3	alternative	alternative	NOUN
fsr-4067	29	4	,	,	PUNCT
fsr-4067	29	5	investors	investor	NOUN
fsr-4067	29	6	could	could	AUX
fsr-4067	29	7	choose	choose	VERB
fsr-4067	29	8	to	to	PART
fsr-4067	29	9	rely	rely	VERB
fsr-4067	29	10	on	on	ADP
fsr-4067	29	11	the	the	DET
fsr-4067	29	12	actions	action	NOUN
fsr-4067	29	13	of	of	ADP
fsr-4067	29	14	other	other	ADJ
fsr-4067	29	15	investors	investor	NOUN
fsr-4067	29	16	(	(	PUNCT
fsr-4067	29	17	like	like	ADP
fsr-4067	29	18	their	their	PRON
fsr-4067	29	19	peers	peer	NOUN
fsr-4067	29	20	or	or	CCONJ
fsr-4067	29	21	other	other	ADJ
fsr-4067	29	22	individuals	individual	NOUN
fsr-4067	29	23	in	in	ADP
fsr-4067	29	24	their	their	PRON
fsr-4067	29	25	social	social	ADJ
fsr-4067	29	26	network	network	NOUN
fsr-4067	29	27	)	)	PUNCT
fsr-4067	29	28	,	,	PUNCT
fsr-4067	29	29	especially	especially	ADV
fsr-4067	29	30	when	when	SCONJ
fsr-4067	29	31	faced	face	VERB
fsr-4067	29	32	with	with	ADP
fsr-4067	29	33	uncertain	uncertain	ADJ
fsr-4067	29	34	situations	situation	NOUN
fsr-4067	29	35	(	(	PUNCT
fsr-4067	29	36	keynes	keyne	NOUN
fsr-4067	29	37	,	,	PUNCT
fsr-4067	29	38	1937	1937	NUM
fsr-4067	29	39	)	)	PUNCT
fsr-4067	29	40	,	,	PUNCT
fsr-4067	29	41	because	because	SCONJ
fsr-4067	29	42	they	they	PRON
fsr-4067	29	43	believe	believe	VERB
fsr-4067	29	44	that	that	SCONJ
fsr-4067	29	45	these	these	DET
fsr-4067	29	46	peer	peer	NOUN
fsr-4067	29	47	investors	investor	NOUN
fsr-4067	29	48	must	must	AUX
fsr-4067	29	49	be	be	AUX
fsr-4067	29	50	right	right	ADJ
fsr-4067	29	51	(	(	PUNCT
fsr-4067	29	52	xu	xu	INTJ
fsr-4067	29	53	,	,	PUNCT
fsr-4067	29	54	2023	2023	NUM
fsr-4067	29	55	)	)	PUNCT
fsr-4067	29	56	.	.	PUNCT
fsr-4067	30	1	this	this	DET
fsr-4067	30	2	study	study	NOUN
fsr-4067	30	3	seeks	seek	VERB
fsr-4067	30	4	to	to	PART
fsr-4067	30	5	build	build	VERB
fsr-4067	30	6	on	on	ADP
fsr-4067	30	7	existing	exist	VERB
fsr-4067	30	8	literature	literature	NOUN
fsr-4067	30	9	by	by	ADP
fsr-4067	30	10	observing	observe	VERB
fsr-4067	30	11	margin	margin	NOUN
fsr-4067	30	12	use	use	NOUN
fsr-4067	30	13	from	from	ADP
fsr-4067	30	14	a	a	DET
fsr-4067	30	15	household	household	NOUN
fsr-4067	30	16	perspective	perspective	NOUN
fsr-4067	30	17	.	.	PUNCT
fsr-4067	31	1	the	the	DET
fsr-4067	31	2	2021	2021	NUM
fsr-4067	31	3	wave	wave	NOUN
fsr-4067	31	4	of	of	ADP
fsr-4067	31	5	the	the	DET
fsr-4067	31	6	national	national	ADJ
fsr-4067	31	7	financial	financial	ADJ
fsr-4067	31	8	capability	capability	NOUN
fsr-4067	31	9	study	study	NOUN
fsr-4067	31	10	(	(	PUNCT
fsr-4067	31	11	nfcs	nfcs	PROPN
fsr-4067	31	12	)	)	PUNCT
fsr-4067	31	13	state	state	NOUN
fsr-4067	31	14	-	-	PUNCT
fsr-4067	31	15	bystate	bystate	NOUN
fsr-4067	31	16	and	and	CCONJ
fsr-4067	31	17	investor	investor	NOUN
fsr-4067	31	18	surveys	survey	NOUN
fsr-4067	31	19	permit	permit	VERB
fsr-4067	31	20	a	a	DET
fsr-4067	31	21	deeper	deep	ADJ
fsr-4067	31	22	view	view	NOUN
fsr-4067	31	23	of	of	ADP
fsr-4067	31	24	margin	margin	NOUN
fsr-4067	31	25	behavior	behavior	NOUN
fsr-4067	31	26	.	.	PUNCT
fsr-4067	32	1	this	this	DET
fsr-4067	32	2	study	study	NOUN
fsr-4067	32	3	performs	perform	VERB
fsr-4067	32	4	a	a	DET
fsr-4067	32	5	crosssectional	crosssectional	ADJ
fsr-4067	32	6	analysis	analysis	NOUN
fsr-4067	32	7	of	of	ADP
fsr-4067	32	8	investors	investor	NOUN
fsr-4067	32	9	who	who	PRON
fsr-4067	32	10	make	make	VERB
fsr-4067	32	11	purchases	purchase	NOUN
fsr-4067	32	12	on	on	ADP
fsr-4067	32	13	margin	margin	NOUN
fsr-4067	32	14	.	.	PUNCT
fsr-4067	33	1	specifically	specifically	ADV
fsr-4067	33	2	,	,	PUNCT
fsr-4067	33	3	this	this	DET
fsr-4067	33	4	study	study	NOUN
fsr-4067	33	5	examines	examine	VERB
fsr-4067	33	6	the	the	DET
fsr-4067	33	7	relation	relation	NOUN
fsr-4067	33	8	of	of	ADP
fsr-4067	33	9	peer	peer	NOUN
fsr-4067	33	10	or	or	CCONJ
fsr-4067	33	11	social	social	ADJ
fsr-4067	33	12	influence	influence	NOUN
fsr-4067	33	13	(	(	PUNCT
fsr-4067	33	14	and	and	CCONJ
fsr-4067	33	15	possible	possible	ADJ
fsr-4067	33	16	herding	herding	NOUN
fsr-4067	33	17	behavior	behavior	NOUN
fsr-4067	33	18	)	)	PUNCT
fsr-4067	33	19	to	to	ADP
fsr-4067	33	20	the	the	DET
fsr-4067	33	21	decision	decision	NOUN
fsr-4067	33	22	to	to	PART
fsr-4067	33	23	purchase	purchase	VERB
fsr-4067	33	24	securities	security	NOUN
fsr-4067	33	25	on	on	ADP
fsr-4067	33	26	margin	margin	NOUN
fsr-4067	33	27	while	while	SCONJ
fsr-4067	33	28	also	also	ADV
fsr-4067	33	29	exploring	explore	VERB
fsr-4067	33	30	how	how	SCONJ
fsr-4067	33	31	age	age	NOUN
fsr-4067	33	32	and	and	CCONJ
fsr-4067	33	33	investment	investment	NOUN
fsr-4067	33	34	literacy	literacy	NOUN
fsr-4067	33	35	are	be	AUX
fsr-4067	33	36	related	relate	VERB
fsr-4067	33	37	.	.	PUNCT
fsr-4067	34	1	findings	finding	NOUN
fsr-4067	34	2	from	from	ADP
fsr-4067	34	3	this	this	DET
fsr-4067	34	4	study	study	NOUN
fsr-4067	34	5	would	would	AUX
fsr-4067	34	6	be	be	AUX
fsr-4067	34	7	beneficial	beneficial	ADJ
fsr-4067	34	8	to	to	ADP
fsr-4067	34	9	individual	individual	ADJ
fsr-4067	34	10	or	or	CCONJ
fsr-4067	34	11	household	household	NOUN
fsr-4067	34	12	investors	investor	NOUN
fsr-4067	34	13	and	and	CCONJ
fsr-4067	34	14	financial	financial	ADJ
fsr-4067	34	15	professionals	professional	NOUN
fsr-4067	34	16	working	work	VERB
fsr-4067	34	17	with	with	ADP
fsr-4067	34	18	clients	client	NOUN
fsr-4067	34	19	.	.	PUNCT
fsr-4067	35	1	for	for	ADP
fsr-4067	35	2	individual	individual	ADJ
fsr-4067	35	3	and	and	CCONJ
fsr-4067	35	4	household	household	NOUN
fsr-4067	35	5	investors	investor	NOUN
fsr-4067	35	6	,	,	PUNCT
fsr-4067	35	7	this	this	DET
fsr-4067	35	8	study	study	NOUN
fsr-4067	35	9	creates	create	VERB
fsr-4067	35	10	and	and	CCONJ
fsr-4067	35	11	enhances	enhance	VERB
fsr-4067	35	12	awareness	awareness	NOUN
fsr-4067	35	13	of	of	ADP
fsr-4067	35	14	an	an	DET
fsr-4067	35	15	inherent	inherent	ADJ
fsr-4067	35	16	peer	peer	NOUN
fsr-4067	35	17	bias	bias	NOUN
fsr-4067	35	18	driving	drive	VERB
fsr-4067	35	19	investment	investment	NOUN
fsr-4067	35	20	decisions	decision	NOUN
fsr-4067	35	21	.	.	PUNCT
fsr-4067	36	1	this	this	DET
fsr-4067	36	2	awareness	awareness	NOUN
fsr-4067	36	3	could	could	AUX
fsr-4067	36	4	possibly	possibly	ADV
fsr-4067	36	5	lead	lead	VERB
fsr-4067	36	6	to	to	ADP
fsr-4067	36	7	better	well	ADJ
fsr-4067	36	8	investment	investment	NOUN
fsr-4067	36	9	outcomes	outcome	NOUN
fsr-4067	36	10	and	and	CCONJ
fsr-4067	36	11	holistic	holistic	ADJ
fsr-4067	36	12	financial	financial	ADJ
fsr-4067	36	13	health	health	NOUN
fsr-4067	36	14	,	,	PUNCT
fsr-4067	36	15	especially	especially	ADV
fsr-4067	36	16	where	where	SCONJ
fsr-4067	36	17	peer	peer	NOUN
fsr-4067	36	18	influence	influence	NOUN
fsr-4067	36	19	is	be	AUX
fsr-4067	36	20	incongruent	incongruent	ADJ
fsr-4067	36	21	with	with	ADP
fsr-4067	36	22	an	an	DET
fsr-4067	36	23	individual	individual	NOUN
fsr-4067	36	24	’s	’s	PART
fsr-4067	36	25	risk	risk	NOUN
fsr-4067	36	26	tolerance	tolerance	NOUN
fsr-4067	36	27	and	and	CCONJ
fsr-4067	36	28	investment	investment	NOUN
fsr-4067	36	29	goals	goal	NOUN
fsr-4067	36	30	.	.	PUNCT
fsr-4067	37	1	financial	financial	ADJ
fsr-4067	37	2	professionals	professional	NOUN
fsr-4067	37	3	can	can	AUX
fsr-4067	37	4	identify	identify	VERB
fsr-4067	37	5	inherent	inherent	ADJ
fsr-4067	37	6	peer	peer	NOUN
fsr-4067	37	7	biases	bias	NOUN
fsr-4067	37	8	with	with	ADP
fsr-4067	37	9	their	their	PRON
fsr-4067	37	10	clients	client	NOUN
fsr-4067	37	11	,	,	PUNCT
fsr-4067	37	12	address	address	VERB
fsr-4067	37	13	these	these	DET
fsr-4067	37	14	biases	bias	NOUN
fsr-4067	37	15	,	,	PUNCT
fsr-4067	37	16	and	and	CCONJ
fsr-4067	37	17	offer	offer	VERB
fsr-4067	37	18	financial	financial	ADJ
fsr-4067	37	19	advice	advice	NOUN
fsr-4067	37	20	and	and	CCONJ
fsr-4067	37	21	education	education	NOUN
fsr-4067	37	22	tailored	tailor	VERB
fsr-4067	37	23	to	to	ADP
fsr-4067	37	24	their	their	PRON
fsr-4067	37	25	clients	client	NOUN
fsr-4067	37	26	,	,	PUNCT
fsr-4067	37	27	given	give	VERB
fsr-4067	37	28	these	these	DET
fsr-4067	37	29	biases	bias	NOUN
fsr-4067	37	30	.	.	PUNCT
fsr-4067	38	1	conceptual	conceptual	ADJ
fsr-4067	38	2	framework	framework	NOUN
fsr-4067	38	3	buying	buy	VERB
fsr-4067	38	4	on	on	ADP
fsr-4067	38	5	margin	margin	NOUN
fsr-4067	38	6	involves	involve	VERB
fsr-4067	38	7	the	the	DET
fsr-4067	38	8	purchase	purchase	NOUN
fsr-4067	38	9	of	of	ADP
fsr-4067	38	10	assets	asset	NOUN
fsr-4067	38	11	using	use	VERB
fsr-4067	38	12	one	one	NUM
fsr-4067	38	13	’s	’s	PART
fsr-4067	38	14	portfolio	portfolio	NOUN
fsr-4067	38	15	as	as	ADP
fsr-4067	38	16	collateral	collateral	NOUN
fsr-4067	38	17	.	.	PUNCT
fsr-4067	39	1	therefore	therefore	ADV
fsr-4067	39	2	,	,	PUNCT
fsr-4067	39	3	while	while	SCONJ
fsr-4067	39	4	the	the	DET
fsr-4067	39	5	decision	decision	NOUN
fsr-4067	39	6	to	to	PART
fsr-4067	39	7	buy	buy	VERB
fsr-4067	39	8	on	on	ADP
fsr-4067	39	9	margin	margin	NOUN
fsr-4067	39	10	is	be	AUX
fsr-4067	39	11	primarily	primarily	ADV
fsr-4067	39	12	viewed	view	VERB
fsr-4067	39	13	as	as	ADP
fsr-4067	39	14	an	an	DET
fsr-4067	39	15	investment	investment	NOUN
fsr-4067	39	16	decision	decision	NOUN
fsr-4067	39	17	,	,	PUNCT
fsr-4067	39	18	it	it	PRON
fsr-4067	39	19	includes	include	VERB
fsr-4067	39	20	a	a	DET
fsr-4067	39	21	debt	debt	NOUN
fsr-4067	39	22	decision	decision	NOUN
fsr-4067	39	23	as	as	ADV
fsr-4067	39	24	well	well	ADV
fsr-4067	39	25	.	.	PUNCT
fsr-4067	40	1	the	the	DET
fsr-4067	40	2	following	follow	VERB
fsr-4067	40	3	review	review	NOUN
fsr-4067	40	4	will	will	AUX
fsr-4067	40	5	focus	focus	VERB
fsr-4067	40	6	on	on	ADP
fsr-4067	40	7	peer	peer	NOUN
fsr-4067	40	8	influence	influence	NOUN
fsr-4067	40	9	,	,	PUNCT
fsr-4067	40	10	financial	financial	ADJ
fsr-4067	40	11	literacy	literacy	NOUN
fsr-4067	40	12	,	,	PUNCT
fsr-4067	40	13	and	and	CCONJ
fsr-4067	40	14	age	age	NOUN
fsr-4067	40	15	from	from	ADP
fsr-4067	40	16	both	both	CCONJ
fsr-4067	40	17	an	an	DET
fsr-4067	40	18	investment	investment	NOUN
fsr-4067	40	19	and	and	CCONJ
fsr-4067	40	20	a	a	DET
fsr-4067	40	21	debt	debt	NOUN
fsr-4067	40	22	perspective	perspective	NOUN
fsr-4067	40	23	.	.	PUNCT
fsr-4067	41	1	while	while	SCONJ
fsr-4067	41	2	previous	previous	ADJ
fsr-4067	41	3	studies	study	NOUN
fsr-4067	41	4	have	have	AUX
fsr-4067	41	5	focused	focus	VERB
fsr-4067	41	6	primarily	primarily	ADV
fsr-4067	41	7	on	on	ADP
fsr-4067	41	8	financial	financial	ADJ
fsr-4067	41	9	literacy	literacy	NOUN
fsr-4067	41	10	,	,	PUNCT
fsr-4067	41	11	this	this	DET
fsr-4067	41	12	study	study	NOUN
fsr-4067	41	13	will	will	AUX
fsr-4067	41	14	focus	focus	VERB
fsr-4067	41	15	on	on	ADP
fsr-4067	41	16	investment	investment	NOUN
fsr-4067	41	17	literacy	literacy	NOUN
fsr-4067	41	18	as	as	ADP
fsr-4067	41	19	a	a	DET
fsr-4067	41	20	domain	domain	NOUN
fsr-4067	41	21	-	-	PUNCT
fsr-4067	41	22	specific	specific	ADJ
fsr-4067	41	23	form	form	NOUN
fsr-4067	41	24	of	of	ADP
fsr-4067	41	25	financial	financial	ADJ
fsr-4067	41	26	literacy	literacy	NOUN
fsr-4067	41	27	.	.	PUNCT
fsr-4067	42	1	buying	buy	VERB
fsr-4067	42	2	on	on	ADP
fsr-4067	42	3	margin	margin	NOUN
fsr-4067	42	4	as	as	ADP
fsr-4067	42	5	an	an	DET
fsr-4067	42	6	investment	investment	NOUN
fsr-4067	42	7	decision	decision	NOUN
fsr-4067	42	8	for	for	ADP
fsr-4067	42	9	many	many	ADJ
fsr-4067	42	10	,	,	PUNCT
fsr-4067	42	11	peer	peer	NOUN
fsr-4067	42	12	and	and	CCONJ
fsr-4067	42	13	social	social	ADJ
fsr-4067	42	14	influence	influence	NOUN
fsr-4067	42	15	play	play	VERB
fsr-4067	42	16	a	a	DET
fsr-4067	42	17	major	major	ADJ
fsr-4067	42	18	role	role	NOUN
fsr-4067	42	19	in	in	ADP
fsr-4067	42	20	their	their	PRON
fsr-4067	42	21	investment	investment	NOUN
fsr-4067	42	22	decisions	decision	NOUN
fsr-4067	42	23	from	from	ADP
fsr-4067	42	24	financial	financial	ADJ
fsr-4067	42	25	market	market	NOUN
fsr-4067	42	26	participation	participation	NOUN
fsr-4067	42	27	to	to	ADP
fsr-4067	42	28	investment	investment	NOUN
fsr-4067	42	29	selection	selection	NOUN
fsr-4067	42	30	and	and	CCONJ
fsr-4067	42	31	allocation	allocation	NOUN
fsr-4067	42	32	.	.	PUNCT
fsr-4067	43	1	several	several	ADJ
fsr-4067	43	2	studies	study	NOUN
fsr-4067	43	3	indicate	indicate	VERB
fsr-4067	43	4	the	the	DET
fsr-4067	43	5	peer	peer	NOUN
fsr-4067	43	6	effect	effect	NOUN
fsr-4067	43	7	on	on	ADP
fsr-4067	43	8	financial	financial	ADJ
fsr-4067	43	9	market	market	NOUN
fsr-4067	43	10	participation	participation	NOUN
fsr-4067	43	11	.	.	PUNCT
fsr-4067	44	1	one	one	NUM
fsr-4067	44	2	such	such	ADJ
fsr-4067	44	3	study	study	NOUN
fsr-4067	44	4	is	be	AUX
fsr-4067	44	5	that	that	PRON
fsr-4067	44	6	of	of	ADP
fsr-4067	44	7	nguyen	nguyen	NOUN
fsr-4067	44	8	and	and	CCONJ
fsr-4067	44	9	nguyen	nguyen	NOUN
fsr-4067	44	10	(	(	PUNCT
fsr-4067	44	11	2020	2020	NUM
fsr-4067	44	12	)	)	PUNCT
fsr-4067	44	13	which	which	PRON
fsr-4067	44	14	examined	examine	VERB
fsr-4067	44	15	how	how	SCONJ
fsr-4067	44	16	the	the	DET
fsr-4067	44	17	interaction	interaction	NOUN
fsr-4067	44	18	of	of	ADP
fsr-4067	44	19	financial	financial	ADJ
fsr-4067	44	20	literacy	literacy	NOUN
fsr-4067	44	21	and	and	CCONJ
fsr-4067	44	22	peer	peer	NOUN
fsr-4067	44	23	effect	effect	NOUN
fsr-4067	44	24	indicators	indicator	NOUN
fsr-4067	44	25	influence	influence	VERB
fsr-4067	44	26	participation	participation	NOUN
fsr-4067	44	27	in	in	ADP
fsr-4067	44	28	financial	financial	ADJ
fsr-4067	44	29	markets	market	NOUN
fsr-4067	44	30	.	.	PUNCT
fsr-4067	45	1	the	the	DET
fsr-4067	45	2	study	study	NOUN
fsr-4067	45	3	found	find	VERB
fsr-4067	45	4	peer	peer	NOUN
fsr-4067	45	5	effect	effect	NOUN
fsr-4067	45	6	and	and	CCONJ
fsr-4067	45	7	perceived	perceive	VERB
fsr-4067	45	8	financial	financial	ADJ
fsr-4067	45	9	literacy	literacy	NOUN
fsr-4067	45	10	to	to	PART
fsr-4067	45	11	significantly	significantly	ADV
fsr-4067	45	12	influence	influence	VERB
fsr-4067	45	13	the	the	DET
fsr-4067	45	14	respondents	respondent	NOUN
fsr-4067	45	15	’	'	PUNCT
fsr-4067	45	16	participation	participation	NOUN
fsr-4067	45	17	in	in	ADP
fsr-4067	45	18	financial	financial	ADJ
fsr-4067	45	19	markets	market	NOUN
fsr-4067	45	20	(	(	PUNCT
fsr-4067	45	21	similar	similar	ADJ
fsr-4067	45	22	results	result	NOUN
fsr-4067	45	23	focusing	focus	VERB
fsr-4067	45	24	on	on	ADP
fsr-4067	45	25	stock	stock	NOUN
fsr-4067	45	26	market	market	NOUN
fsr-4067	45	27	participation	participation	NOUN
fsr-4067	45	28	were	be	AUX
fsr-4067	45	29	found	find	VERB
fsr-4067	45	30	by	by	ADP
fsr-4067	45	31	hong	hong	PROPN
fsr-4067	45	32	et	et	PROPN
fsr-4067	45	33	al	al	PROPN
fsr-4067	45	34	.	.	PROPN
fsr-4067	45	35	,	,	PUNCT
fsr-4067	45	36	2004	2004	NUM
fsr-4067	45	37	)	)	PUNCT
fsr-4067	45	38	.	.	PUNCT
fsr-4067	46	1	the	the	DET
fsr-4067	46	2	peer	peer	NOUN
fsr-4067	46	3	effect	effect	NOUN
fsr-4067	46	4	or	or	CCONJ
fsr-4067	46	5	social	social	ADJ
fsr-4067	46	6	influence	influence	NOUN
fsr-4067	46	7	observed	observe	VERB
fsr-4067	46	8	might	might	AUX
fsr-4067	46	9	be	be	AUX
fsr-4067	46	10	explained	explain	VERB
fsr-4067	46	11	indirectly	indirectly	ADV
fsr-4067	46	12	through	through	ADP
fsr-4067	46	13	risk	risk	NOUN
fsr-4067	46	14	tolerance	tolerance	NOUN
fsr-4067	46	15	(	(	PUNCT
fsr-4067	46	16	mylondis	mylondi	NOUN
fsr-4067	46	17	&	&	CCONJ
fsr-4067	46	18	oikonomou	oikonomou	ADJ
fsr-4067	46	19	,	,	PUNCT
fsr-4067	46	20	2021	2021	NUM
fsr-4067	46	21	)	)	PUNCT
fsr-4067	46	22	.	.	PUNCT
fsr-4067	47	1	this	this	DET
fsr-4067	47	2	influence	influence	NOUN
fsr-4067	47	3	of	of	ADP
fsr-4067	47	4	risk	risk	NOUN
fsr-4067	47	5	tolerance	tolerance	NOUN
fsr-4067	47	6	on	on	ADP
fsr-4067	47	7	the	the	DET
fsr-4067	47	8	relationship	relationship	NOUN
fsr-4067	47	9	between	between	ADP
fsr-4067	47	10	peer	peer	NOUN
fsr-4067	47	11	influence	influence	NOUN
fsr-4067	47	12	and	and	CCONJ
fsr-4067	47	13	financial	financial	ADJ
fsr-4067	47	14	market	market	NOUN
fsr-4067	47	15	participation	participation	NOUN
fsr-4067	47	16	is	be	AUX
fsr-4067	47	17	supported	support	VERB
fsr-4067	47	18	by	by	ADP
fsr-4067	47	19	the	the	DET
fsr-4067	47	20	findings	finding	NOUN
fsr-4067	47	21	of	of	ADP
fsr-4067	47	22	frydman	frydman	ADJ
fsr-4067	47	23	(	(	PUNCT
fsr-4067	47	24	2015	2015	NUM
fsr-4067	47	25	)	)	PUNCT
fsr-4067	47	26	which	which	PRON
fsr-4067	47	27	showed	show	VERB
fsr-4067	47	28	a	a	DET
fsr-4067	47	29	positive	positive	ADJ
fsr-4067	47	30	relationship	relationship	NOUN
fsr-4067	47	31	between	between	ADP
fsr-4067	47	32	peer	peer	NOUN
fsr-4067	47	33	influence	influence	NOUN
fsr-4067	47	34	and	and	CCONJ
fsr-4067	47	35	risky	risky	ADJ
fsr-4067	47	36	asset	asset	NOUN
fsr-4067	47	37	allocations	allocation	NOUN
fsr-4067	47	38	.	.	PUNCT
fsr-4067	48	1	focusing	focus	VERB
fsr-4067	48	2	on	on	ADP
fsr-4067	48	3	workforce	workforce	PROPN
fsr-4067	48	4	peer	peer	NOUN
fsr-4067	48	5	effects	effect	NOUN
fsr-4067	48	6	,	,	PUNCT
fsr-4067	48	7	gerrans	gerran	NOUN
fsr-4067	48	8	et	et	PROPN
fsr-4067	48	9	al	al	PROPN
fsr-4067	48	10	.	.	PUNCT
fsr-4067	49	1	(	(	PUNCT
fsr-4067	49	2	2018	2018	NUM
fsr-4067	49	3	)	)	PUNCT
fsr-4067	49	4	explored	explore	VERB
fsr-4067	49	5	the	the	DET
fsr-4067	49	6	role	role	NOUN
fsr-4067	49	7	of	of	ADP
fsr-4067	49	8	workforce	workforce	NOUN
fsr-4067	49	9	peer	peer	NOUN
fsr-4067	49	10	influence	influence	NOUN
fsr-4067	49	11	on	on	ADP
fsr-4067	49	12	investment	investment	NOUN
fsr-4067	49	13	strategies	strategy	NOUN
fsr-4067	49	14	.	.	PUNCT
fsr-4067	50	1	gerrans	gerran	NOUN
fsr-4067	50	2	et	et	PROPN
fsr-4067	50	3	al	al	PROPN
fsr-4067	50	4	.	.	PROPN
fsr-4067	51	1	(	(	PUNCT
fsr-4067	51	2	2018	2018	NUM
fsr-4067	51	3	)	)	PUNCT
fsr-4067	51	4	showed	show	VERB
fsr-4067	51	5	that	that	SCONJ
fsr-4067	51	6	workforce	workforce	NOUN
fsr-4067	51	7	peers	peer	NOUN
fsr-4067	51	8	positively	positively	ADV
fsr-4067	51	9	influence	influence	VERB
fsr-4067	51	10	a	a	DET
fsr-4067	51	11	change	change	NOUN
fsr-4067	51	12	in	in	ADP
fsr-4067	51	13	investment	investment	NOUN
fsr-4067	51	14	strategies	strategy	NOUN
fsr-4067	51	15	,	,	PUNCT
fsr-4067	51	16	particularly	particularly	ADV
fsr-4067	51	17	for	for	ADP
fsr-4067	51	18	peers	peer	NOUN
fsr-4067	51	19	of	of	ADP
fsr-4067	51	20	the	the	DET
fsr-4067	51	21	same	same	ADJ
fsr-4067	51	22	gender	gender	NOUN
fsr-4067	51	23	.	.	PUNCT
fsr-4067	52	1	furthermore	furthermore	ADV
fsr-4067	52	2	,	,	PUNCT
fsr-4067	52	3	heimer	heimer	PROPN
fsr-4067	52	4	(	(	PUNCT
fsr-4067	52	5	2016	2016	NUM
fsr-4067	52	6	)	)	PUNCT
fsr-4067	52	7	discovered	discover	VERB
fsr-4067	52	8	a	a	DET
fsr-4067	52	9	link	link	NOUN
fsr-4067	52	10	between	between	ADP
fsr-4067	52	11	peer	peer	NOUN
fsr-4067	52	12	influence	influence	NOUN
fsr-4067	52	13	and	and	CCONJ
fsr-4067	52	14	the	the	DET
fsr-4067	52	15	disposition	disposition	NOUN
fsr-4067	52	16	effect	effect	NOUN
fsr-4067	52	17	.	.	PUNCT
fsr-4067	53	1	the	the	DET
fsr-4067	53	2	disposition	disposition	NOUN
fsr-4067	53	3	effect	effect	NOUN
fsr-4067	53	4	explains	explain	VERB
fsr-4067	53	5	the	the	DET
fsr-4067	53	6	tendency	tendency	NOUN
fsr-4067	53	7	to	to	PART
fsr-4067	53	8	hold	hold	VERB
fsr-4067	53	9	on	on	ADP
fsr-4067	53	10	to	to	ADP
fsr-4067	53	11	losing	lose	VERB
fsr-4067	53	12	assets	asset	NOUN
fsr-4067	53	13	for	for	ADP
fsr-4067	53	14	too	too	ADV
fsr-4067	53	15	long	long	ADJ
fsr-4067	53	16	and	and	CCONJ
fsr-4067	53	17	sell	sell	VERB
fsr-4067	53	18	winning	win	VERB
fsr-4067	53	19	assets	asset	NOUN
fsr-4067	53	20	quickly	quickly	ADV
fsr-4067	53	21	.	.	PUNCT
fsr-4067	54	1	based	base	VERB
fsr-4067	54	2	on	on	ADP
fsr-4067	54	3	the	the	DET
fsr-4067	54	4	premise	premise	NOUN
fsr-4067	54	5	of	of	ADP
fsr-4067	54	6	sanders	sanders	PROPN
fsr-4067	54	7	&	&	CCONJ
fsr-4067	54	8	olajide	olajide	ADP
fsr-4067	54	9	57	57	NUM
fsr-4067	54	10	a	a	DET
fsr-4067	54	11	positive	positive	ADJ
fsr-4067	54	12	association	association	NOUN
fsr-4067	54	13	between	between	ADP
fsr-4067	54	14	peer	peer	NOUN
fsr-4067	54	15	influence	influence	NOUN
fsr-4067	54	16	and	and	CCONJ
fsr-4067	54	17	increased	increase	VERB
fsr-4067	54	18	trading	trading	NOUN
fsr-4067	54	19	,	,	PUNCT
fsr-4067	54	20	heimer	heimer	PROPN
fsr-4067	54	21	(	(	PUNCT
fsr-4067	54	22	2016	2016	NUM
fsr-4067	54	23	)	)	PUNCT
fsr-4067	54	24	investigated	investigate	VERB
fsr-4067	54	25	the	the	DET
fsr-4067	54	26	relationship	relationship	NOUN
fsr-4067	54	27	between	between	ADP
fsr-4067	54	28	these	these	DET
fsr-4067	54	29	two	two	NUM
fsr-4067	54	30	phenomena	phenomenon	NOUN
fsr-4067	54	31	.	.	PUNCT
fsr-4067	55	1	the	the	DET
fsr-4067	55	2	study	study	NOUN
fsr-4067	55	3	found	find	VERB
fsr-4067	55	4	a	a	DET
fsr-4067	55	5	positive	positive	ADJ
fsr-4067	55	6	association	association	NOUN
fsr-4067	55	7	between	between	ADP
fsr-4067	55	8	peer	peer	NOUN
fsr-4067	55	9	influence	influence	NOUN
fsr-4067	55	10	and	and	CCONJ
fsr-4067	55	11	disposition	disposition	NOUN
fsr-4067	55	12	effect	effect	NOUN
fsr-4067	55	13	.	.	PUNCT
fsr-4067	56	1	with	with	ADP
fsr-4067	56	2	the	the	DET
fsr-4067	56	3	growth	growth	NOUN
fsr-4067	56	4	of	of	ADP
fsr-4067	56	5	social	social	ADJ
fsr-4067	56	6	media	medium	NOUN
fsr-4067	56	7	,	,	PUNCT
fsr-4067	56	8	peer	peer	NOUN
fsr-4067	56	9	and	and	CCONJ
fsr-4067	56	10	social	social	ADJ
fsr-4067	56	11	influence	influence	NOUN
fsr-4067	56	12	is	be	AUX
fsr-4067	56	13	even	even	ADV
fsr-4067	56	14	more	more	ADV
fsr-4067	56	15	evident	evident	ADJ
fsr-4067	56	16	in	in	ADP
fsr-4067	56	17	consumer	consumer	NOUN
fsr-4067	56	18	behavior	behavior	NOUN
fsr-4067	56	19	and	and	CCONJ
fsr-4067	56	20	decision	decision	NOUN
fsr-4067	56	21	making	make	VERB
fsr-4067	56	22	today	today	NOUN
fsr-4067	56	23	.	.	PUNCT
fsr-4067	57	1	social	social	ADJ
fsr-4067	57	2	media	medium	NOUN
fsr-4067	57	3	creates	create	VERB
fsr-4067	57	4	an	an	DET
fsr-4067	57	5	avenue	avenue	NOUN
fsr-4067	57	6	for	for	ADP
fsr-4067	57	7	individuals	individual	NOUN
fsr-4067	57	8	across	across	ADP
fsr-4067	57	9	all	all	DET
fsr-4067	57	10	age	age	NOUN
fsr-4067	57	11	groups	group	NOUN
fsr-4067	57	12	to	to	PART
fsr-4067	57	13	engage	engage	VERB
fsr-4067	57	14	in	in	ADP
fsr-4067	57	15	learning	learning	NOUN
fsr-4067	57	16	,	,	PUNCT
fsr-4067	57	17	collaboration	collaboration	NOUN
fsr-4067	57	18	,	,	PUNCT
fsr-4067	57	19	and	and	CCONJ
fsr-4067	57	20	the	the	DET
fsr-4067	57	21	exchange	exchange	NOUN
fsr-4067	57	22	of	of	ADP
fsr-4067	57	23	ideas	idea	NOUN
fsr-4067	57	24	.	.	PUNCT
fsr-4067	58	1	they	they	PRON
fsr-4067	58	2	are	be	AUX
fsr-4067	58	3	able	able	ADJ
fsr-4067	58	4	to	to	PART
fsr-4067	58	5	do	do	VERB
fsr-4067	58	6	this	this	PRON
fsr-4067	58	7	on	on	ADP
fsr-4067	58	8	a	a	DET
fsr-4067	58	9	wide	wide	ADJ
fsr-4067	58	10	variety	variety	NOUN
fsr-4067	58	11	of	of	ADP
fsr-4067	58	12	subject	subject	ADJ
fsr-4067	58	13	areas	area	NOUN
fsr-4067	58	14	including	include	VERB
fsr-4067	58	15	financial	financial	ADJ
fsr-4067	58	16	topics	topic	NOUN
fsr-4067	58	17	like	like	ADP
fsr-4067	58	18	investing	invest	VERB
fsr-4067	58	19	and	and	CCONJ
fsr-4067	58	20	managing	manage	VERB
fsr-4067	58	21	debt	debt	NOUN
fsr-4067	58	22	which	which	PRON
fsr-4067	58	23	in	in	ADP
fsr-4067	58	24	turn	turn	NOUN
fsr-4067	58	25	shapes	shape	VERB
fsr-4067	58	26	financial	financial	ADJ
fsr-4067	58	27	decision	decision	NOUN
fsr-4067	58	28	making	making	NOUN
fsr-4067	58	29	(	(	PUNCT
fsr-4067	58	30	cao	cao	PROPN
fsr-4067	58	31	et	et	PROPN
fsr-4067	58	32	al	al	PROPN
fsr-4067	58	33	.	.	PROPN
fsr-4067	58	34	,	,	PUNCT
fsr-4067	58	35	2020	2020	NUM
fsr-4067	58	36	)	)	PUNCT
fsr-4067	58	37	.	.	PUNCT
fsr-4067	59	1	these	these	DET
fsr-4067	59	2	social	social	ADJ
fsr-4067	59	3	media	medium	NOUN
fsr-4067	59	4	platforms	platform	NOUN
fsr-4067	59	5	offer	offer	VERB
fsr-4067	59	6	information	information	NOUN
fsr-4067	59	7	from	from	ADP
fsr-4067	59	8	various	various	ADJ
fsr-4067	59	9	sources	source	NOUN
fsr-4067	59	10	ranging	range	VERB
fsr-4067	59	11	from	from	ADP
fsr-4067	59	12	peers	peer	NOUN
fsr-4067	59	13	to	to	ADP
fsr-4067	59	14	financial	financial	ADJ
fsr-4067	59	15	experts	expert	NOUN
fsr-4067	59	16	and	and	CCONJ
fsr-4067	59	17	financial	financial	ADJ
fsr-4067	59	18	influencers	influencer	NOUN
fsr-4067	59	19	(	(	PUNCT
fsr-4067	59	20	place	place	NOUN
fsr-4067	59	21	,	,	PUNCT
fsr-4067	59	22	2022	2022	NUM
fsr-4067	59	23	)	)	PUNCT
fsr-4067	59	24	.	.	PUNCT
fsr-4067	60	1	also	also	ADV
fsr-4067	60	2	,	,	PUNCT
fsr-4067	60	3	because	because	SCONJ
fsr-4067	60	4	social	social	ADJ
fsr-4067	60	5	media	medium	NOUN
fsr-4067	60	6	allows	allow	VERB
fsr-4067	60	7	its	its	PRON
fsr-4067	60	8	users	user	NOUN
fsr-4067	60	9	to	to	PART
fsr-4067	60	10	publicize	publicize	VERB
fsr-4067	60	11	their	their	PRON
fsr-4067	60	12	achievements	achievement	NOUN
fsr-4067	60	13	and	and	CCONJ
fsr-4067	60	14	lifestyles	lifestyle	NOUN
fsr-4067	60	15	,	,	PUNCT
fsr-4067	60	16	it	it	PRON
fsr-4067	60	17	magnifies	magnify	VERB
fsr-4067	60	18	the	the	DET
fsr-4067	60	19	impact	impact	NOUN
fsr-4067	60	20	of	of	ADP
fsr-4067	60	21	peer	peer	NOUN
fsr-4067	60	22	and	and	CCONJ
fsr-4067	60	23	social	social	ADJ
fsr-4067	60	24	influence	influence	NOUN
fsr-4067	60	25	by	by	ADP
fsr-4067	60	26	creating	create	VERB
fsr-4067	60	27	a	a	DET
fsr-4067	60	28	perception	perception	NOUN
fsr-4067	60	29	of	of	ADP
fsr-4067	60	30	reality	reality	NOUN
fsr-4067	60	31	that	that	SCONJ
fsr-4067	60	32	individuals	individual	NOUN
fsr-4067	60	33	may	may	AUX
fsr-4067	60	34	feel	feel	VERB
fsr-4067	60	35	pressured	pressured	ADJ
fsr-4067	60	36	to	to	PART
fsr-4067	60	37	follow	follow	VERB
fsr-4067	60	38	(	(	PUNCT
fsr-4067	60	39	de	de	X
fsr-4067	60	40	veirman	veirman	PROPN
fsr-4067	60	41	et	et	PROPN
fsr-4067	60	42	al	al	PROPN
fsr-4067	60	43	.	.	PROPN
fsr-4067	60	44	,	,	PUNCT
fsr-4067	60	45	2017	2017	NUM
fsr-4067	60	46	)	)	PUNCT
fsr-4067	60	47	.	.	PUNCT
fsr-4067	61	1	on	on	ADP
fsr-4067	61	2	the	the	DET
fsr-4067	61	3	one	one	NUM
fsr-4067	61	4	hand	hand	NOUN
fsr-4067	61	5	,	,	PUNCT
fsr-4067	61	6	the	the	DET
fsr-4067	61	7	use	use	NOUN
fsr-4067	61	8	of	of	ADP
fsr-4067	61	9	social	social	ADJ
fsr-4067	61	10	media	medium	NOUN
fsr-4067	61	11	has	have	AUX
fsr-4067	61	12	been	be	AUX
fsr-4067	61	13	associated	associate	VERB
fsr-4067	61	14	with	with	ADP
fsr-4067	61	15	positive	positive	ADJ
fsr-4067	61	16	financial	financial	ADJ
fsr-4067	61	17	outcomes	outcome	NOUN
fsr-4067	61	18	and	and	CCONJ
fsr-4067	61	19	better	well	ADJ
fsr-4067	61	20	financial	financial	ADJ
fsr-4067	61	21	decision	decision	NOUN
fsr-4067	61	22	-	-	PUNCT
fsr-4067	61	23	making	making	NOUN
fsr-4067	61	24	(	(	PUNCT
fsr-4067	61	25	cao	cao	PROPN
fsr-4067	61	26	et	et	PROPN
fsr-4067	61	27	al	al	PROPN
fsr-4067	61	28	.	.	PROPN
fsr-4067	61	29	,	,	PUNCT
fsr-4067	61	30	2020	2020	NUM
fsr-4067	61	31	)	)	PUNCT
fsr-4067	61	32	.	.	PUNCT
fsr-4067	62	1	however	however	ADV
fsr-4067	62	2	,	,	PUNCT
fsr-4067	62	3	it	it	PRON
fsr-4067	62	4	could	could	AUX
fsr-4067	62	5	raise	raise	VERB
fsr-4067	62	6	concerns	concern	NOUN
fsr-4067	62	7	about	about	ADP
fsr-4067	62	8	the	the	DET
fsr-4067	62	9	validity	validity	NOUN
fsr-4067	62	10	and	and	CCONJ
fsr-4067	62	11	efficacy	efficacy	NOUN
fsr-4067	62	12	of	of	ADP
fsr-4067	62	13	such	such	ADJ
fsr-4067	62	14	information	information	NOUN
fsr-4067	62	15	,	,	PUNCT
fsr-4067	62	16	as	as	ADV
fsr-4067	62	17	well	well	ADV
fsr-4067	62	18	as	as	ADP
fsr-4067	62	19	the	the	DET
fsr-4067	62	20	possibility	possibility	NOUN
fsr-4067	62	21	of	of	ADP
fsr-4067	62	22	widespread	widespread	ADJ
fsr-4067	62	23	misinformation	misinformation	NOUN
fsr-4067	62	24	(	(	PUNCT
fsr-4067	62	25	corbin	corbin	NOUN
fsr-4067	62	26	,	,	PUNCT
fsr-4067	62	27	2023	2023	NUM
fsr-4067	62	28	;	;	PUNCT
fsr-4067	62	29	place	place	NOUN
fsr-4067	62	30	,	,	PUNCT
fsr-4067	62	31	2022	2022	NUM
fsr-4067	62	32	)	)	PUNCT
fsr-4067	62	33	.	.	PUNCT
fsr-4067	63	1	financial	financial	ADJ
fsr-4067	63	2	literacy	literacy	NOUN
fsr-4067	63	3	has	have	AUX
fsr-4067	63	4	been	be	AUX
fsr-4067	63	5	linked	link	VERB
fsr-4067	63	6	to	to	ADP
fsr-4067	63	7	household	household	NOUN
fsr-4067	63	8	investment	investment	NOUN
fsr-4067	63	9	decisions	decision	NOUN
fsr-4067	63	10	(	(	PUNCT
fsr-4067	63	11	lusardi	lusardi	PROPN
fsr-4067	63	12	and	and	CCONJ
fsr-4067	63	13	mitchel	mitchel	PROPN
fsr-4067	63	14	,	,	PUNCT
fsr-4067	63	15	2014	2014	NUM
fsr-4067	63	16	)	)	PUNCT
fsr-4067	63	17	.	.	PUNCT
fsr-4067	64	1	for	for	ADP
fsr-4067	64	2	example	example	NOUN
fsr-4067	64	3	,	,	PUNCT
fsr-4067	64	4	financially	financially	ADV
fsr-4067	64	5	literate	literate	ADJ
fsr-4067	64	6	individuals	individual	NOUN
fsr-4067	64	7	invest	invest	VERB
fsr-4067	64	8	more	more	ADV
fsr-4067	64	9	in	in	ADP
fsr-4067	64	10	stocks	stock	NOUN
fsr-4067	64	11	than	than	ADP
fsr-4067	64	12	less	less	ADV
fsr-4067	64	13	financially	financially	ADV
fsr-4067	64	14	literate	literate	ADJ
fsr-4067	64	15	individuals	individual	NOUN
fsr-4067	64	16	(	(	PUNCT
fsr-4067	64	17	van	van	NOUN
fsr-4067	64	18	rooij	rooij	NOUN
fsr-4067	64	19	et	et	PROPN
fsr-4067	64	20	al	al	PROPN
fsr-4067	64	21	.	.	PROPN
fsr-4067	64	22	,	,	PUNCT
fsr-4067	64	23	2011	2011	NUM
fsr-4067	64	24	)	)	PUNCT
fsr-4067	64	25	.	.	PUNCT
fsr-4067	65	1	additionally	additionally	ADV
fsr-4067	65	2	,	,	PUNCT
fsr-4067	65	3	higher	high	ADJ
fsr-4067	65	4	degrees	degree	NOUN
fsr-4067	65	5	of	of	ADP
fsr-4067	65	6	financial	financial	ADJ
fsr-4067	65	7	literacy	literacy	NOUN
fsr-4067	65	8	provide	provide	VERB
fsr-4067	65	9	opportunities	opportunity	NOUN
fsr-4067	65	10	that	that	PRON
fsr-4067	65	11	would	would	AUX
fsr-4067	65	12	have	have	AUX
fsr-4067	65	13	otherwise	otherwise	ADV
fsr-4067	65	14	been	be	AUX
fsr-4067	65	15	unavailable	unavailable	ADJ
fsr-4067	65	16	(	(	PUNCT
fsr-4067	65	17	huston	huston	PROPN
fsr-4067	65	18	,	,	PUNCT
fsr-4067	65	19	2010	2010	NUM
fsr-4067	65	20	)	)	PUNCT
fsr-4067	65	21	.	.	PUNCT
fsr-4067	66	1	furthermore	furthermore	ADV
fsr-4067	66	2	,	,	PUNCT
fsr-4067	66	3	individuals	individual	NOUN
fsr-4067	66	4	whose	whose	DET
fsr-4067	66	5	subjective	subjective	ADJ
fsr-4067	66	6	financial	financial	ADJ
fsr-4067	66	7	literacy	literacy	NOUN
fsr-4067	66	8	is	be	AUX
fsr-4067	66	9	greater	great	ADJ
fsr-4067	66	10	than	than	ADP
fsr-4067	66	11	their	their	PRON
fsr-4067	66	12	objective	objective	ADJ
fsr-4067	66	13	financial	financial	ADJ
fsr-4067	66	14	literacy	literacy	NOUN
fsr-4067	66	15	invest	invest	VERB
fsr-4067	66	16	more	more	ADV
fsr-4067	66	17	in	in	ADP
fsr-4067	66	18	risky	risky	ADJ
fsr-4067	66	19	assets	asset	NOUN
fsr-4067	66	20	like	like	ADP
fsr-4067	66	21	stocks	stock	NOUN
fsr-4067	66	22	(	(	PUNCT
fsr-4067	66	23	verma	verma	PROPN
fsr-4067	66	24	,	,	PUNCT
fsr-4067	66	25	2017	2017	NUM
fsr-4067	66	26	)	)	PUNCT
fsr-4067	66	27	.	.	PUNCT
fsr-4067	67	1	another	another	DET
fsr-4067	67	2	factor	factor	NOUN
fsr-4067	67	3	that	that	PRON
fsr-4067	67	4	influences	influence	VERB
fsr-4067	67	5	investment	investment	NOUN
fsr-4067	67	6	decisions	decision	NOUN
fsr-4067	67	7	is	be	AUX
fsr-4067	67	8	age	age	NOUN
fsr-4067	67	9	.	.	PUNCT
fsr-4067	68	1	charles	charles	PROPN
fsr-4067	68	2	et	et	PROPN
fsr-4067	68	3	al	al	PROPN
fsr-4067	68	4	.	.	PROPN
fsr-4067	69	1	(	(	PUNCT
fsr-4067	69	2	2013	2013	NUM
fsr-4067	69	3	)	)	PUNCT
fsr-4067	69	4	investigated	investigate	VERB
fsr-4067	69	5	whether	whether	SCONJ
fsr-4067	69	6	age	age	NOUN
fsr-4067	69	7	affected	affect	VERB
fsr-4067	69	8	investment	investment	NOUN
fsr-4067	69	9	decisions	decision	NOUN
fsr-4067	69	10	and	and	CCONJ
fsr-4067	69	11	the	the	DET
fsr-4067	69	12	behavior	behavior	NOUN
fsr-4067	69	13	of	of	ADP
fsr-4067	69	14	investors	investor	NOUN
fsr-4067	69	15	.	.	PUNCT
fsr-4067	70	1	the	the	DET
fsr-4067	70	2	study	study	NOUN
fsr-4067	70	3	found	find	VERB
fsr-4067	70	4	that	that	SCONJ
fsr-4067	70	5	age	age	NOUN
fsr-4067	70	6	is	be	AUX
fsr-4067	70	7	related	relate	VERB
fsr-4067	70	8	to	to	ADP
fsr-4067	70	9	investment	investment	NOUN
fsr-4067	70	10	behavior	behavior	NOUN
fsr-4067	70	11	and	and	CCONJ
fsr-4067	70	12	found	find	VERB
fsr-4067	70	13	that	that	SCONJ
fsr-4067	70	14	compared	compare	VERB
fsr-4067	70	15	to	to	ADP
fsr-4067	70	16	older	old	ADJ
fsr-4067	70	17	investors	investor	NOUN
fsr-4067	70	18	,	,	PUNCT
fsr-4067	70	19	younger	young	ADJ
fsr-4067	70	20	investors	investor	NOUN
fsr-4067	70	21	invest	invest	VERB
fsr-4067	70	22	more	more	ADV
fsr-4067	70	23	in	in	ADP
fsr-4067	70	24	the	the	DET
fsr-4067	70	25	equity	equity	NOUN
fsr-4067	70	26	market	market	NOUN
fsr-4067	70	27	and	and	CCONJ
fsr-4067	70	28	were	be	AUX
fsr-4067	70	29	more	more	ADV
fsr-4067	70	30	likely	likely	ADJ
fsr-4067	70	31	to	to	PART
fsr-4067	70	32	buy	buy	VERB
fsr-4067	70	33	on	on	ADP
fsr-4067	70	34	margin	margin	NOUN
fsr-4067	70	35	.	.	PUNCT
fsr-4067	71	1	similarly	similarly	ADV
fsr-4067	71	2	,	,	PUNCT
fsr-4067	71	3	while	while	SCONJ
fsr-4067	71	4	examining	examine	VERB
fsr-4067	71	5	the	the	DET
fsr-4067	71	6	investment	investment	NOUN
fsr-4067	71	7	decisions	decision	NOUN
fsr-4067	71	8	of	of	ADP
fsr-4067	71	9	older	old	ADJ
fsr-4067	71	10	investors	investor	NOUN
fsr-4067	71	11	,	,	PUNCT
fsr-4067	71	12	korniotis	korniotis	PROPN
fsr-4067	71	13	and	and	CCONJ
fsr-4067	71	14	kumar	kumar	PROPN
fsr-4067	71	15	(	(	PUNCT
fsr-4067	71	16	2011	2011	NUM
fsr-4067	71	17	)	)	PUNCT
fsr-4067	71	18	found	find	VERB
fsr-4067	71	19	that	that	SCONJ
fsr-4067	71	20	older	old	ADJ
fsr-4067	71	21	investors	investor	NOUN
fsr-4067	71	22	'	'	PART
fsr-4067	71	23	portfolios	portfolio	NOUN
fsr-4067	71	24	reflected	reflect	VERB
fsr-4067	71	25	greater	great	ADJ
fsr-4067	71	26	investment	investment	NOUN
fsr-4067	71	27	knowledge	knowledge	NOUN
fsr-4067	71	28	as	as	SCONJ
fsr-4067	71	29	they	they	PRON
fsr-4067	71	30	diversified	diversify	VERB
fsr-4067	71	31	more	more	ADV
fsr-4067	71	32	,	,	PUNCT
fsr-4067	71	33	held	hold	VERB
fsr-4067	71	34	less	less	ADV
fsr-4067	71	35	risky	risky	ADJ
fsr-4067	71	36	portfolios	portfolio	NOUN
fsr-4067	71	37	,	,	PUNCT
fsr-4067	71	38	traded	trade	VERB
fsr-4067	71	39	less	less	ADV
fsr-4067	71	40	frequently	frequently	ADV
fsr-4067	71	41	,	,	PUNCT
fsr-4067	71	42	and	and	CCONJ
fsr-4067	71	43	were	be	AUX
fsr-4067	71	44	less	less	ADV
fsr-4067	71	45	susceptible	susceptible	ADJ
fsr-4067	71	46	to	to	ADP
fsr-4067	71	47	disposition	disposition	NOUN
fsr-4067	71	48	effects	effect	NOUN
fsr-4067	71	49	.	.	PUNCT
fsr-4067	72	1	however	however	ADV
fsr-4067	72	2	,	,	PUNCT
fsr-4067	72	3	these	these	DET
fsr-4067	72	4	older	old	ADJ
fsr-4067	72	5	investors	investor	NOUN
fsr-4067	72	6	were	be	AUX
fsr-4067	72	7	found	find	VERB
fsr-4067	72	8	to	to	PART
fsr-4067	72	9	have	have	VERB
fsr-4067	72	10	worse	bad	ADJ
fsr-4067	72	11	investment	investment	NOUN
fsr-4067	72	12	skills	skill	NOUN
fsr-4067	72	13	due	due	ADJ
fsr-4067	72	14	to	to	ADP
fsr-4067	72	15	cognitive	cognitive	ADJ
fsr-4067	72	16	decline	decline	NOUN
fsr-4067	72	17	.	.	PUNCT
fsr-4067	73	1	this	this	DET
fsr-4067	73	2	lower	low	ADJ
fsr-4067	73	3	investment	investment	NOUN
fsr-4067	73	4	skill	skill	NOUN
fsr-4067	73	5	was	be	AUX
fsr-4067	73	6	observed	observe	VERB
fsr-4067	73	7	based	base	VERB
fsr-4067	73	8	on	on	ADP
fsr-4067	73	9	the	the	DET
fsr-4067	73	10	older	old	ADJ
fsr-4067	73	11	investors	investor	NOUN
fsr-4067	73	12	'	'	PART
fsr-4067	73	13	lower	low	ADJ
fsr-4067	73	14	return	return	NOUN
fsr-4067	73	15	and	and	CCONJ
fsr-4067	73	16	portfolio	portfolio	NOUN
fsr-4067	73	17	performance	performance	NOUN
fsr-4067	73	18	on	on	ADP
fsr-4067	73	19	a	a	DET
fsr-4067	73	20	risk	risk	NOUN
fsr-4067	73	21	-	-	PUNCT
fsr-4067	73	22	adjusted	adjust	VERB
fsr-4067	73	23	basis	basis	NOUN
fsr-4067	73	24	.	.	PUNCT
fsr-4067	74	1	shivapour	shivapour	NOUN
fsr-4067	74	2	et	et	PROPN
fsr-4067	74	3	al	al	PROPN
fsr-4067	74	4	.	.	PROPN
fsr-4067	74	5	(	(	PUNCT
fsr-4067	74	6	2012	2012	NUM
fsr-4067	74	7	)	)	PUNCT
fsr-4067	74	8	investigated	investigate	VERB
fsr-4067	74	9	the	the	DET
fsr-4067	74	10	investment	investment	NOUN
fsr-4067	74	11	motivations	motivation	NOUN
fsr-4067	74	12	among	among	ADP
fsr-4067	74	13	older	old	ADJ
fsr-4067	74	14	and	and	CCONJ
fsr-4067	74	15	younger	young	ADJ
fsr-4067	74	16	investors	investor	NOUN
fsr-4067	74	17	and	and	CCONJ
fsr-4067	74	18	opined	opine	VERB
fsr-4067	74	19	that	that	SCONJ
fsr-4067	74	20	older	old	ADJ
fsr-4067	74	21	investors	investor	NOUN
fsr-4067	74	22	were	be	AUX
fsr-4067	74	23	more	more	ADV
fsr-4067	74	24	worried	worried	ADJ
fsr-4067	74	25	about	about	ADP
fsr-4067	74	26	monetary	monetary	ADJ
fsr-4067	74	27	loss	loss	NOUN
fsr-4067	74	28	,	,	PUNCT
fsr-4067	74	29	while	while	SCONJ
fsr-4067	74	30	younger	young	ADJ
fsr-4067	74	31	investors	investor	NOUN
fsr-4067	74	32	were	be	AUX
fsr-4067	74	33	more	more	ADV
fsr-4067	74	34	motivated	motivated	ADJ
fsr-4067	74	35	by	by	ADP
fsr-4067	74	36	financial	financial	ADJ
fsr-4067	74	37	gains	gain	NOUN
fsr-4067	74	38	.	.	PUNCT
fsr-4067	75	1	given	give	VERB
fsr-4067	75	2	the	the	DET
fsr-4067	75	3	review	review	NOUN
fsr-4067	75	4	of	of	ADP
fsr-4067	75	5	the	the	DET
fsr-4067	75	6	literature	literature	NOUN
fsr-4067	75	7	,	,	PUNCT
fsr-4067	75	8	the	the	DET
fsr-4067	75	9	influence	influence	NOUN
fsr-4067	75	10	of	of	ADP
fsr-4067	75	11	peers	peer	NOUN
fsr-4067	75	12	and	and	CCONJ
fsr-4067	75	13	social	social	ADJ
fsr-4067	75	14	networks	network	NOUN
fsr-4067	75	15	in	in	ADP
fsr-4067	75	16	financial	financial	ADJ
fsr-4067	75	17	decision	decision	NOUN
fsr-4067	75	18	-	-	PUNCT
fsr-4067	75	19	making	making	NOUN
fsr-4067	75	20	,	,	PUNCT
fsr-4067	75	21	including	include	VERB
fsr-4067	75	22	investment	investment	NOUN
fsr-4067	75	23	decisions	decision	NOUN
fsr-4067	75	24	,	,	PUNCT
fsr-4067	75	25	is	be	AUX
fsr-4067	75	26	significant	significant	ADJ
fsr-4067	75	27	.	.	PUNCT
fsr-4067	76	1	however	however	ADV
fsr-4067	76	2	,	,	PUNCT
fsr-4067	76	3	problems	problem	NOUN
fsr-4067	76	4	might	might	AUX
fsr-4067	76	5	arise	arise	VERB
fsr-4067	76	6	when	when	SCONJ
fsr-4067	76	7	these	these	DET
fsr-4067	76	8	investors	investor	NOUN
fsr-4067	76	9	follow	follow	VERB
fsr-4067	76	10	the	the	DET
fsr-4067	76	11	advice	advice	NOUN
fsr-4067	76	12	of	of	ADP
fsr-4067	76	13	their	their	PRON
fsr-4067	76	14	peers	peer	NOUN
fsr-4067	76	15	blindly	blindly	ADV
fsr-4067	76	16	without	without	ADP
fsr-4067	76	17	critically	critically	ADV
fsr-4067	76	18	considering	consider	VERB
fsr-4067	76	19	the	the	DET
fsr-4067	76	20	impact	impact	NOUN
fsr-4067	76	21	of	of	ADP
fsr-4067	76	22	such	such	ADJ
fsr-4067	76	23	decisions	decision	NOUN
fsr-4067	76	24	on	on	ADP
fsr-4067	76	25	their	their	PRON
fsr-4067	76	26	personal	personal	ADJ
fsr-4067	76	27	finances	finance	NOUN
fsr-4067	76	28	,	,	PUNCT
fsr-4067	76	29	either	either	CCONJ
fsr-4067	76	30	because	because	SCONJ
fsr-4067	76	31	of	of	ADP
fsr-4067	76	32	a	a	DET
fsr-4067	76	33	lack	lack	NOUN
fsr-4067	76	34	of	of	ADP
fsr-4067	76	35	knowledge	knowledge	NOUN
fsr-4067	76	36	or	or	CCONJ
fsr-4067	76	37	an	an	DET
fsr-4067	76	38	inability	inability	NOUN
fsr-4067	76	39	to	to	PART
fsr-4067	76	40	apply	apply	VERB
fsr-4067	76	41	such	such	ADJ
fsr-4067	76	42	knowledge	knowledge	NOUN
fsr-4067	76	43	.	.	PUNCT
fsr-4067	77	1	this	this	DET
fsr-4067	77	2	behavior	behavior	NOUN
fsr-4067	77	3	of	of	ADP
fsr-4067	77	4	blindly	blindly	ADV
fsr-4067	77	5	following	follow	VERB
fsr-4067	77	6	peers	peer	NOUN
fsr-4067	77	7	is	be	AUX
fsr-4067	77	8	known	know	VERB
fsr-4067	77	9	as	as	ADP
fsr-4067	77	10	herding	herd	VERB
fsr-4067	77	11	.	.	PUNCT
fsr-4067	78	1	khalid	khalid	PROPN
fsr-4067	78	2	(	(	PUNCT
fsr-4067	78	3	2020	2020	NUM
fsr-4067	78	4	)	)	PUNCT
fsr-4067	78	5	examined	examine	VERB
fsr-4067	78	6	the	the	DET
fsr-4067	78	7	mediating	mediate	VERB
fsr-4067	78	8	role	role	NOUN
fsr-4067	78	9	of	of	ADP
fsr-4067	78	10	financial	financial	ADJ
fsr-4067	78	11	self	self	NOUN
fsr-4067	78	12	-	-	PUNCT
fsr-4067	78	13	efficacy	efficacy	NOUN
fsr-4067	78	14	in	in	ADP
fsr-4067	78	15	explaining	explain	VERB
fsr-4067	78	16	the	the	DET
fsr-4067	78	17	relationship	relationship	NOUN
fsr-4067	78	18	between	between	ADP
fsr-4067	78	19	herding	herding	NOUN
fsr-4067	78	20	and	and	CCONJ
fsr-4067	78	21	investment	investment	NOUN
fsr-4067	78	22	behavior	behavior	NOUN
fsr-4067	78	23	and	and	CCONJ
fsr-4067	78	24	indicated	indicate	VERB
fsr-4067	78	25	that	that	SCONJ
fsr-4067	78	26	financial	financial	ADJ
fsr-4067	78	27	self	self	NOUN
fsr-4067	78	28	-	-	PUNCT
fsr-4067	78	29	efficacy	efficacy	NOUN
fsr-4067	78	30	mediated	mediate	VERB
fsr-4067	78	31	a	a	DET
fsr-4067	78	32	negative	negative	ADJ
fsr-4067	78	33	association	association	NOUN
fsr-4067	78	34	between	between	ADP
fsr-4067	78	35	herding	herding	NOUN
fsr-4067	78	36	and	and	CCONJ
fsr-4067	78	37	investment	investment	NOUN
fsr-4067	78	38	behavior	behavior	NOUN
fsr-4067	78	39	.	.	PUNCT
fsr-4067	79	1	buying	buy	VERB
fsr-4067	79	2	on	on	ADP
fsr-4067	79	3	margin	margin	NOUN
fsr-4067	79	4	as	as	ADP
fsr-4067	79	5	a	a	DET
fsr-4067	79	6	debt	debt	NOUN
fsr-4067	79	7	decision	decision	NOUN
fsr-4067	79	8	peer	peer	NOUN
fsr-4067	79	9	and	and	CCONJ
fsr-4067	79	10	social	social	ADJ
fsr-4067	79	11	influence	influence	NOUN
fsr-4067	79	12	are	be	AUX
fsr-4067	79	13	also	also	ADV
fsr-4067	79	14	related	relate	VERB
fsr-4067	79	15	to	to	ADP
fsr-4067	79	16	choices	choice	NOUN
fsr-4067	79	17	around	around	ADP
fsr-4067	79	18	debt	debt	NOUN
fsr-4067	79	19	.	.	PUNCT
fsr-4067	80	1	research	research	NOUN
fsr-4067	80	2	using	use	VERB
fsr-4067	80	3	the	the	DET
fsr-4067	80	4	financial	financial	ADJ
fsr-4067	80	5	socialization	socialization	NOUN
fsr-4067	80	6	framework	framework	NOUN
fsr-4067	80	7	has	have	AUX
fsr-4067	80	8	shown	show	VERB
fsr-4067	80	9	that	that	PRON
fsr-4067	80	10	family	family	NOUN
fsr-4067	80	11	,	,	PUNCT
fsr-4067	80	12	peers	peer	NOUN
fsr-4067	80	13	,	,	PUNCT
fsr-4067	80	14	schools	school	NOUN
fsr-4067	80	15	,	,	PUNCT
fsr-4067	80	16	and	and	CCONJ
fsr-4067	80	17	mass	mass	ADJ
fsr-4067	80	18	media	medium	NOUN
fsr-4067	80	19	are	be	AUX
fsr-4067	80	20	important	important	ADJ
fsr-4067	80	21	socialization	socialization	NOUN
fsr-4067	80	22	agents	agent	NOUN
fsr-4067	80	23	that	that	PRON
fsr-4067	80	24	influence	influence	VERB
fsr-4067	80	25	how	how	SCONJ
fsr-4067	80	26	individuals	individual	NOUN
fsr-4067	80	27	acquire	acquire	VERB
fsr-4067	80	28	and	and	CCONJ
fsr-4067	80	29	shape	shape	VERB
fsr-4067	80	30	financial	financial	ADJ
fsr-4067	80	31	knowledge	knowledge	NOUN
fsr-4067	80	32	and	and	CCONJ
fsr-4067	80	33	their	their	PRON
fsr-4067	80	34	attitudes	attitude	NOUN
fsr-4067	80	35	toward	toward	ADP
fsr-4067	80	36	their	their	PRON
fsr-4067	80	37	personal	personal	ADJ
fsr-4067	80	38	finances	finance	NOUN
fsr-4067	80	39	,	,	PUNCT
fsr-4067	80	40	including	include	VERB
fsr-4067	80	41	debt	debt	NOUN
fsr-4067	80	42	(	(	PUNCT
fsr-4067	80	43	gutter	gutter	NOUN
fsr-4067	80	44	et	et	NOUN
fsr-4067	80	45	al	al	PROPN
fsr-4067	80	46	.	.	PROPN
fsr-4067	80	47	,	,	PUNCT
fsr-4067	80	48	2010	2010	NUM
fsr-4067	80	49	;	;	PUNCT
fsr-4067	80	50	lebaron	lebaron	PROPN
fsr-4067	80	51	-	-	PUNCT
fsr-4067	80	52	black	black	NOUN
fsr-4067	80	53	,	,	PUNCT
fsr-4067	80	54	et	et	PROPN
fsr-4067	80	55	al	al	PROPN
fsr-4067	80	56	.	.	PROPN
fsr-4067	80	57	,	,	PUNCT
fsr-4067	80	58	2023	2023	NUM
fsr-4067	80	59	;	;	PUNCT
fsr-4067	80	60	supinah	supinah	PROPN
fsr-4067	80	61	et	et	PROPN
fsr-4067	80	62	al	al	PROPN
fsr-4067	80	63	.	.	PROPN
fsr-4067	80	64	,	,	PUNCT
fsr-4067	80	65	2016	2016	NUM
fsr-4067	80	66	)	)	PUNCT
fsr-4067	80	67	.	.	PUNCT
fsr-4067	81	1	throughout	throughout	ADP
fsr-4067	81	2	an	an	DET
fsr-4067	81	3	individual	individual	NOUN
fsr-4067	81	4	’s	’s	PART
fsr-4067	81	5	lifecycle	lifecycle	NOUN
fsr-4067	81	6	,	,	PUNCT
fsr-4067	81	7	the	the	DET
fsr-4067	81	8	influence	influence	NOUN
fsr-4067	81	9	of	of	ADP
fsr-4067	81	10	these	these	DET
fsr-4067	81	11	socialization	socialization	NOUN
fsr-4067	81	12	agents	agent	NOUN
fsr-4067	81	13	might	might	AUX
fsr-4067	81	14	change	change	VERB
fsr-4067	81	15	.	.	PUNCT
fsr-4067	82	1	for	for	ADP
fsr-4067	82	2	instance	instance	NOUN
fsr-4067	82	3	,	,	PUNCT
fsr-4067	82	4	churchill	churchill	PROPN
fsr-4067	82	5	and	and	CCONJ
fsr-4067	82	6	moschis	moschis	PROPN
fsr-4067	82	7	(	(	PUNCT
fsr-4067	82	8	1979	1979	NUM
fsr-4067	82	9	)	)	PUNCT
fsr-4067	82	10	showed	show	VERB
fsr-4067	82	11	that	that	SCONJ
fsr-4067	82	12	as	as	SCONJ
fsr-4067	82	13	adolescents	adolescent	NOUN
fsr-4067	82	14	become	become	VERB
fsr-4067	82	15	young	young	ADJ
fsr-4067	82	16	adults	adult	NOUN
fsr-4067	82	17	,	,	PUNCT
fsr-4067	82	18	communication	communication	NOUN
fsr-4067	82	19	about	about	ADP
fsr-4067	82	20	consumption	consumption	NOUN
fsr-4067	82	21	with	with	ADP
fsr-4067	82	22	financial	financial	ADJ
fsr-4067	82	23	services	service	NOUN
fsr-4067	82	24	review	review	NOUN
fsr-4067	82	25	,	,	PUNCT
fsr-4067	82	26	33(2	33(2	NUM
fsr-4067	82	27	)	)	PUNCT
fsr-4067	82	28	58	58	NUM
fsr-4067	82	29	peers	peer	NOUN
fsr-4067	82	30	increases	increase	VERB
fsr-4067	82	31	,	,	PUNCT
fsr-4067	82	32	while	while	SCONJ
fsr-4067	82	33	communication	communication	NOUN
fsr-4067	82	34	with	with	ADP
fsr-4067	82	35	parents	parent	NOUN
fsr-4067	82	36	regarding	regard	VERB
fsr-4067	82	37	consumption	consumption	NOUN
fsr-4067	82	38	declines	decline	NOUN
fsr-4067	82	39	,	,	PUNCT
fsr-4067	82	40	indicating	indicate	VERB
fsr-4067	82	41	peer	peer	NOUN
fsr-4067	82	42	influence	influence	NOUN
fsr-4067	82	43	on	on	ADP
fsr-4067	82	44	financial	financial	ADJ
fsr-4067	82	45	knowledge	knowledge	NOUN
fsr-4067	82	46	,	,	PUNCT
fsr-4067	82	47	attitudes	attitude	NOUN
fsr-4067	82	48	,	,	PUNCT
fsr-4067	82	49	and	and	CCONJ
fsr-4067	82	50	behaviors	behavior	NOUN
fsr-4067	82	51	(	(	PUNCT
fsr-4067	82	52	including	include	VERB
fsr-4067	82	53	debt	debt	NOUN
fsr-4067	82	54	decisions	decision	NOUN
fsr-4067	82	55	)	)	PUNCT
fsr-4067	82	56	supersedes	supersede	VERB
fsr-4067	82	57	parental	parental	ADJ
fsr-4067	82	58	influence	influence	NOUN
fsr-4067	82	59	(	(	PUNCT
fsr-4067	82	60	bakir	bakir	NOUN
fsr-4067	82	61	et	et	PROPN
fsr-4067	82	62	al	al	PROPN
fsr-4067	82	63	.	.	PROPN
fsr-4067	82	64	,	,	PUNCT
fsr-4067	82	65	2006	2006	NUM
fsr-4067	82	66	)	)	PUNCT
fsr-4067	82	67	.	.	PUNCT
fsr-4067	83	1	turning	turn	VERB
fsr-4067	83	2	to	to	ADP
fsr-4067	83	3	the	the	DET
fsr-4067	83	4	relationship	relationship	NOUN
fsr-4067	83	5	between	between	ADP
fsr-4067	83	6	peer	peer	NOUN
fsr-4067	83	7	and	and	CCONJ
fsr-4067	83	8	social	social	ADJ
fsr-4067	83	9	influence	influence	NOUN
fsr-4067	83	10	on	on	ADP
fsr-4067	83	11	debt	debt	NOUN
fsr-4067	83	12	behavior	behavior	NOUN
fsr-4067	83	13	,	,	PUNCT
fsr-4067	83	14	the	the	DET
fsr-4067	83	15	literature	literature	NOUN
fsr-4067	83	16	is	be	AUX
fsr-4067	83	17	mixed	mixed	ADJ
fsr-4067	83	18	.	.	PUNCT
fsr-4067	84	1	for	for	ADP
fsr-4067	84	2	example	example	NOUN
fsr-4067	84	3	,	,	PUNCT
fsr-4067	84	4	georgarakos	georgarakos	NOUN
fsr-4067	84	5	et	et	PROPN
fsr-4067	84	6	al	al	PROPN
fsr-4067	84	7	.	.	PROPN
fsr-4067	84	8	,	,	PUNCT
fsr-4067	84	9	(	(	PUNCT
fsr-4067	84	10	2014	2014	NUM
fsr-4067	84	11	)	)	PUNCT
fsr-4067	84	12	investigated	investigate	VERB
fsr-4067	84	13	the	the	DET
fsr-4067	84	14	effect	effect	NOUN
fsr-4067	84	15	of	of	ADP
fsr-4067	84	16	social	social	ADJ
fsr-4067	84	17	influence	influence	NOUN
fsr-4067	84	18	on	on	ADP
fsr-4067	84	19	the	the	DET
fsr-4067	84	20	likelihood	likelihood	NOUN
fsr-4067	84	21	of	of	ADP
fsr-4067	84	22	holding	hold	VERB
fsr-4067	84	23	and	and	CCONJ
fsr-4067	84	24	taking	take	VERB
fsr-4067	84	25	on	on	ADP
fsr-4067	84	26	various	various	ADJ
fsr-4067	84	27	forms	form	NOUN
fsr-4067	84	28	of	of	ADP
fsr-4067	84	29	debt	debt	NOUN
fsr-4067	84	30	,	,	PUNCT
fsr-4067	84	31	and	and	CCONJ
fsr-4067	84	32	the	the	DET
fsr-4067	84	33	size	size	NOUN
fsr-4067	84	34	of	of	ADP
fsr-4067	84	35	the	the	DET
fsr-4067	84	36	loans	loan	NOUN
fsr-4067	84	37	,	,	PUNCT
fsr-4067	84	38	based	base	VERB
fsr-4067	84	39	on	on	ADP
fsr-4067	84	40	the	the	DET
fsr-4067	84	41	perceived	perceive	VERB
fsr-4067	84	42	income	income	NOUN
fsr-4067	84	43	of	of	ADP
fsr-4067	84	44	their	their	PRON
fsr-4067	84	45	peers	peer	NOUN
fsr-4067	84	46	.	.	PUNCT
fsr-4067	85	1	the	the	DET
fsr-4067	85	2	study	study	NOUN
fsr-4067	85	3	revealed	reveal	VERB
fsr-4067	85	4	that	that	SCONJ
fsr-4067	85	5	individuals	individual	NOUN
fsr-4067	85	6	who	who	PRON
fsr-4067	85	7	perceived	perceive	VERB
fsr-4067	85	8	their	their	PRON
fsr-4067	85	9	income	income	NOUN
fsr-4067	85	10	to	to	PART
fsr-4067	85	11	be	be	AUX
fsr-4067	85	12	less	less	ADJ
fsr-4067	85	13	than	than	SCONJ
fsr-4067	85	14	their	their	PRON
fsr-4067	85	15	peers	peer	NOUN
fsr-4067	85	16	were	be	AUX
fsr-4067	85	17	more	more	ADV
fsr-4067	85	18	likely	likely	ADJ
fsr-4067	85	19	to	to	PART
fsr-4067	85	20	borrow	borrow	VERB
fsr-4067	85	21	both	both	CCONJ
fsr-4067	85	22	secured	secured	ADJ
fsr-4067	85	23	and	and	CCONJ
fsr-4067	85	24	unsecured	unsecured	ADJ
fsr-4067	85	25	loans	loan	NOUN
fsr-4067	85	26	and	and	CCONJ
fsr-4067	85	27	were	be	AUX
fsr-4067	85	28	more	more	ADV
fsr-4067	85	29	likely	likely	ADJ
fsr-4067	85	30	to	to	PART
fsr-4067	85	31	have	have	VERB
fsr-4067	85	32	sizeable	sizeable	ADJ
fsr-4067	85	33	loans	loan	NOUN
fsr-4067	85	34	.	.	PUNCT
fsr-4067	86	1	similar	similar	ADJ
fsr-4067	86	2	results	result	NOUN
fsr-4067	86	3	were	be	AUX
fsr-4067	86	4	found	find	VERB
fsr-4067	86	5	by	by	ADP
fsr-4067	86	6	berlemann	berlemann	PROPN
fsr-4067	86	7	and	and	CCONJ
fsr-4067	86	8	salland	salland	NOUN
fsr-4067	86	9	(	(	PUNCT
fsr-4067	86	10	2016	2016	NUM
fsr-4067	86	11	)	)	PUNCT
fsr-4067	86	12	,	,	PUNCT
fsr-4067	86	13	who	who	PRON
fsr-4067	86	14	also	also	ADV
fsr-4067	86	15	showed	show	VERB
fsr-4067	86	16	that	that	SCONJ
fsr-4067	86	17	these	these	DET
fsr-4067	86	18	individuals	individual	NOUN
fsr-4067	86	19	were	be	AUX
fsr-4067	86	20	susceptible	susceptible	ADJ
fsr-4067	86	21	to	to	ADP
fsr-4067	86	22	peer	peer	NOUN
fsr-4067	86	23	effects	effect	NOUN
fsr-4067	86	24	and	and	CCONJ
fsr-4067	86	25	made	make	VERB
fsr-4067	86	26	more	more	ADJ
fsr-4067	86	27	use	use	NOUN
fsr-4067	86	28	of	of	ADP
fsr-4067	86	29	overdrafts	overdraft	NOUN
fsr-4067	86	30	.	.	PUNCT
fsr-4067	87	1	focusing	focus	VERB
fsr-4067	87	2	on	on	ADP
fsr-4067	87	3	repayment	repayment	NOUN
fsr-4067	87	4	behavior	behavior	NOUN
fsr-4067	87	5	,	,	PUNCT
fsr-4067	87	6	breza	breza	PROPN
fsr-4067	87	7	(	(	PUNCT
fsr-4067	87	8	2010	2010	NUM
fsr-4067	87	9	)	)	PUNCT
fsr-4067	87	10	examined	examine	VERB
fsr-4067	87	11	the	the	DET
fsr-4067	87	12	influence	influence	NOUN
fsr-4067	87	13	of	of	ADP
fsr-4067	87	14	peer	peer	NOUN
fsr-4067	87	15	repayment	repayment	NOUN
fsr-4067	87	16	on	on	ADP
fsr-4067	87	17	the	the	DET
fsr-4067	87	18	repayment	repayment	NOUN
fsr-4067	87	19	decision	decision	NOUN
fsr-4067	87	20	of	of	ADP
fsr-4067	87	21	individuals	individual	NOUN
fsr-4067	87	22	and	and	CCONJ
fsr-4067	87	23	found	find	VERB
fsr-4067	87	24	that	that	SCONJ
fsr-4067	87	25	borrowers	borrower	NOUN
fsr-4067	87	26	were	be	AUX
fsr-4067	87	27	more	more	ADV
fsr-4067	87	28	likely	likely	ADJ
fsr-4067	87	29	to	to	PART
fsr-4067	87	30	repay	repay	VERB
fsr-4067	87	31	their	their	PRON
fsr-4067	87	32	loans	loan	NOUN
fsr-4067	87	33	if	if	SCONJ
fsr-4067	87	34	their	their	PRON
fsr-4067	87	35	peers	peer	NOUN
fsr-4067	87	36	moved	move	VERB
fsr-4067	87	37	from	from	ADP
fsr-4067	87	38	being	be	AUX
fsr-4067	87	39	in	in	ADP
fsr-4067	87	40	default	default	NOUN
fsr-4067	87	41	to	to	ADP
fsr-4067	87	42	making	make	VERB
fsr-4067	87	43	full	full	ADJ
fsr-4067	87	44	repayment	repayment	NOUN
fsr-4067	87	45	.	.	PUNCT
fsr-4067	88	1	however	however	ADV
fsr-4067	88	2	,	,	PUNCT
fsr-4067	88	3	jamilakhon	jamilakhon	PROPN
fsr-4067	88	4	et	et	PROPN
fsr-4067	88	5	al	al	PROPN
fsr-4067	88	6	.	.	PROPN
fsr-4067	88	7	(	(	PUNCT
fsr-4067	88	8	2020	2020	NUM
fsr-4067	88	9	)	)	PUNCT
fsr-4067	88	10	,	,	PUNCT
fsr-4067	88	11	while	while	SCONJ
fsr-4067	88	12	exploring	explore	VERB
fsr-4067	88	13	the	the	DET
fsr-4067	88	14	association	association	NOUN
fsr-4067	88	15	between	between	ADP
fsr-4067	88	16	financial	financial	ADJ
fsr-4067	88	17	education	education	NOUN
fsr-4067	88	18	,	,	PUNCT
fsr-4067	88	19	debt	debt	NOUN
fsr-4067	88	20	attitude	attitude	NOUN
fsr-4067	88	21	,	,	PUNCT
fsr-4067	88	22	peer	peer	NOUN
fsr-4067	88	23	influence	influence	NOUN
fsr-4067	88	24	,	,	PUNCT
fsr-4067	88	25	and	and	CCONJ
fsr-4067	88	26	power	power	NOUN
fsr-4067	88	27	prestige	prestige	NOUN
fsr-4067	88	28	,	,	PUNCT
fsr-4067	88	29	discovered	discover	VERB
fsr-4067	88	30	no	no	DET
fsr-4067	88	31	significant	significant	ADJ
fsr-4067	88	32	influence	influence	NOUN
fsr-4067	88	33	of	of	ADP
fsr-4067	88	34	peers	peer	NOUN
fsr-4067	88	35	on	on	ADP
fsr-4067	88	36	debt	debt	NOUN
fsr-4067	88	37	behavior	behavior	NOUN
fsr-4067	88	38	.	.	PUNCT
fsr-4067	89	1	similar	similar	ADJ
fsr-4067	89	2	results	result	NOUN
fsr-4067	89	3	were	be	AUX
fsr-4067	89	4	found	find	VERB
fsr-4067	89	5	by	by	ADP
fsr-4067	89	6	dusia	dusia	PROPN
fsr-4067	89	7	et	et	PROPN
fsr-4067	89	8	al	al	PROPN
fsr-4067	89	9	.	.	PROPN
fsr-4067	90	1	(	(	PUNCT
fsr-4067	90	2	2023	2023	NUM
fsr-4067	90	3	)	)	PUNCT
fsr-4067	90	4	.	.	PUNCT
fsr-4067	91	1	age	age	NOUN
fsr-4067	91	2	and	and	CCONJ
fsr-4067	91	3	financial	financial	ADJ
fsr-4067	91	4	literacy	literacy	NOUN
fsr-4067	91	5	have	have	AUX
fsr-4067	91	6	also	also	ADV
fsr-4067	91	7	been	be	AUX
fsr-4067	91	8	found	find	VERB
fsr-4067	91	9	to	to	PART
fsr-4067	91	10	be	be	AUX
fsr-4067	91	11	associated	associate	VERB
fsr-4067	91	12	with	with	ADP
fsr-4067	91	13	debt	debt	NOUN
fsr-4067	91	14	decisions	decision	NOUN
fsr-4067	91	15	.	.	PUNCT
fsr-4067	92	1	for	for	ADP
fsr-4067	92	2	instance	instance	NOUN
fsr-4067	92	3	,	,	PUNCT
fsr-4067	92	4	those	those	PRON
fsr-4067	92	5	with	with	ADP
fsr-4067	92	6	lower	low	ADJ
fsr-4067	92	7	levels	level	NOUN
fsr-4067	92	8	of	of	ADP
fsr-4067	92	9	financial	financial	ADJ
fsr-4067	92	10	literacy	literacy	NOUN
fsr-4067	92	11	have	have	AUX
fsr-4067	92	12	been	be	AUX
fsr-4067	92	13	found	find	VERB
fsr-4067	92	14	to	to	PART
fsr-4067	92	15	make	make	VERB
fsr-4067	92	16	costly	costly	ADJ
fsr-4067	92	17	debt	debt	NOUN
fsr-4067	92	18	decisions	decision	NOUN
fsr-4067	92	19	more	more	ADV
fsr-4067	92	20	frequently	frequently	ADV
fsr-4067	92	21	(	(	PUNCT
fsr-4067	92	22	chatterjee	chatterjee	NOUN
fsr-4067	92	23	,	,	PUNCT
fsr-4067	92	24	2013	2013	NUM
fsr-4067	92	25	)	)	PUNCT
fsr-4067	92	26	and	and	CCONJ
fsr-4067	92	27	carry	carry	VERB
fsr-4067	92	28	higher	high	ADJ
fsr-4067	92	29	debt	debt	NOUN
fsr-4067	92	30	balances	balance	NOUN
fsr-4067	92	31	(	(	PUNCT
fsr-4067	92	32	brown	brown	NOUN
fsr-4067	92	33	&	&	CCONJ
fsr-4067	92	34	graf	graf	PROPN
fsr-4067	92	35	,	,	PUNCT
fsr-4067	92	36	2013	2013	NUM
fsr-4067	92	37	;	;	PUNCT
fsr-4067	92	38	gathergood	gathergood	PROPN
fsr-4067	92	39	&	&	CCONJ
fsr-4067	92	40	disney	disney	PROPN
fsr-4067	92	41	,	,	PUNCT
fsr-4067	92	42	2011	2011	NUM
fsr-4067	92	43	;	;	PUNCT
fsr-4067	92	44	lusardi	lusardi	PROPN
fsr-4067	92	45	&	&	CCONJ
fsr-4067	92	46	tufano	tufano	ADJ
fsr-4067	92	47	,	,	PUNCT
fsr-4067	92	48	2015	2015	NUM
fsr-4067	92	49	)	)	PUNCT
fsr-4067	92	50	.	.	PUNCT
fsr-4067	93	1	concerning	concern	VERB
fsr-4067	93	2	age	age	NOUN
fsr-4067	93	3	,	,	PUNCT
fsr-4067	93	4	del	del	PROPN
fsr-4067	93	5	rio	rio	PROPN
fsr-4067	93	6	and	and	CCONJ
fsr-4067	93	7	young	young	ADJ
fsr-4067	93	8	(	(	PUNCT
fsr-4067	93	9	2006	2006	NUM
fsr-4067	93	10	)	)	PUNCT
fsr-4067	93	11	,	,	PUNCT
fsr-4067	93	12	while	while	SCONJ
fsr-4067	93	13	focusing	focus	VERB
fsr-4067	93	14	on	on	ADP
fsr-4067	93	15	unsecured	unsecured	ADJ
fsr-4067	93	16	debt	debt	NOUN
fsr-4067	93	17	,	,	PUNCT
fsr-4067	93	18	discovered	discover	VERB
fsr-4067	93	19	that	that	SCONJ
fsr-4067	93	20	younger	young	ADJ
fsr-4067	93	21	individuals	individual	NOUN
fsr-4067	93	22	aged	age	VERB
fsr-4067	93	23	20	20	NUM
fsr-4067	93	24	to	to	PART
fsr-4067	93	25	30	30	NUM
fsr-4067	93	26	years	year	NOUN
fsr-4067	93	27	old	old	ADJ
fsr-4067	93	28	were	be	AUX
fsr-4067	93	29	the	the	DET
fsr-4067	93	30	most	most	ADV
fsr-4067	93	31	likely	likely	ADJ
fsr-4067	93	32	to	to	PART
fsr-4067	93	33	hold	hold	VERB
fsr-4067	93	34	unsecured	unsecured	ADJ
fsr-4067	93	35	debt	debt	NOUN
fsr-4067	93	36	.	.	PUNCT
fsr-4067	94	1	similar	similar	ADJ
fsr-4067	94	2	results	result	NOUN
fsr-4067	94	3	were	be	AUX
fsr-4067	94	4	found	find	VERB
fsr-4067	94	5	by	by	ADP
fsr-4067	94	6	eberhardt	eberhardt	PROPN
fsr-4067	94	7	et	et	PROPN
fsr-4067	94	8	al	al	PROPN
fsr-4067	94	9	.	.	PROPN
fsr-4067	95	1	(	(	PUNCT
fsr-4067	95	2	2018	2018	NUM
fsr-4067	95	3	)	)	PUNCT
fsr-4067	95	4	.	.	PUNCT
fsr-4067	96	1	interestingly	interestingly	ADV
fsr-4067	96	2	,	,	PUNCT
fsr-4067	96	3	agarwal	agarwal	PROPN
fsr-4067	96	4	(	(	PUNCT
fsr-4067	96	5	2007	2007	NUM
fsr-4067	96	6	)	)	PUNCT
fsr-4067	96	7	found	find	VERB
fsr-4067	96	8	that	that	SCONJ
fsr-4067	96	9	age	age	NOUN
fsr-4067	96	10	had	have	VERB
fsr-4067	96	11	a	a	DET
fsr-4067	96	12	“	"	PUNCT
fsr-4067	96	13	u	u	NOUN
fsr-4067	96	14	-	-	NOUN
fsr-4067	96	15	shape	shape	NOUN
fsr-4067	96	16	”	"	PUNCT
fsr-4067	96	17	with	with	ADP
fsr-4067	96	18	the	the	DET
fsr-4067	96	19	cost	cost	NOUN
fsr-4067	96	20	of	of	ADP
fsr-4067	96	21	borrowing	borrowing	NOUN
fsr-4067	96	22	when	when	SCONJ
fsr-4067	96	23	analyzing	analyze	VERB
fsr-4067	96	24	how	how	SCONJ
fsr-4067	96	25	age	age	NOUN
fsr-4067	96	26	influences	influence	VERB
fsr-4067	96	27	different	different	ADJ
fsr-4067	96	28	debt	debt	NOUN
fsr-4067	96	29	decisions	decision	NOUN
fsr-4067	96	30	like	like	ADP
fsr-4067	96	31	auto	auto	NOUN
fsr-4067	96	32	loans	loan	NOUN
fsr-4067	96	33	,	,	PUNCT
fsr-4067	96	34	home	home	NOUN
fsr-4067	96	35	equity	equity	NOUN
fsr-4067	96	36	loans	loan	NOUN
fsr-4067	96	37	,	,	PUNCT
fsr-4067	96	38	home	home	NOUN
fsr-4067	96	39	equity	equity	NOUN
fsr-4067	96	40	lines	line	NOUN
fsr-4067	96	41	of	of	ADP
fsr-4067	96	42	credit	credit	NOUN
fsr-4067	96	43	,	,	PUNCT
fsr-4067	96	44	credit	credit	NOUN
fsr-4067	96	45	cards	card	NOUN
fsr-4067	96	46	,	,	PUNCT
fsr-4067	96	47	and	and	CCONJ
fsr-4067	96	48	mortgages	mortgage	NOUN
fsr-4067	96	49	.	.	PUNCT
fsr-4067	97	1	this	this	PRON
fsr-4067	97	2	means	mean	VERB
fsr-4067	97	3	that	that	SCONJ
fsr-4067	97	4	middle	middle	ADJ
fsr-4067	97	5	-	-	PUNCT
fsr-4067	97	6	aged	aged	ADJ
fsr-4067	97	7	adults	adult	NOUN
fsr-4067	97	8	borrowed	borrow	VERB
fsr-4067	97	9	at	at	ADP
fsr-4067	97	10	lower	low	ADJ
fsr-4067	97	11	costs	cost	NOUN
fsr-4067	97	12	(	(	PUNCT
fsr-4067	97	13	fees	fee	NOUN
fsr-4067	97	14	and	and	CCONJ
fsr-4067	97	15	interest	interest	NOUN
fsr-4067	97	16	rates	rate	NOUN
fsr-4067	97	17	)	)	PUNCT
fsr-4067	97	18	than	than	ADP
fsr-4067	97	19	younger	young	ADJ
fsr-4067	97	20	and	and	CCONJ
fsr-4067	97	21	older	old	ADJ
fsr-4067	97	22	adults	adult	NOUN
fsr-4067	97	23	.	.	PUNCT
fsr-4067	98	1	herding	herd	VERB
fsr-4067	98	2	herding	herding	NOUN
fsr-4067	98	3	theory	theory	NOUN
fsr-4067	98	4	as	as	SCONJ
fsr-4067	98	5	explained	explain	VERB
fsr-4067	98	6	by	by	ADP
fsr-4067	98	7	keynes	keynes	PROPN
fsr-4067	98	8	(	(	PUNCT
fsr-4067	98	9	1937	1937	NUM
fsr-4067	98	10	)	)	PUNCT
fsr-4067	98	11	forms	form	VERB
fsr-4067	98	12	the	the	DET
fsr-4067	98	13	theoretical	theoretical	ADJ
fsr-4067	98	14	basis	basis	NOUN
fsr-4067	98	15	for	for	ADP
fsr-4067	98	16	this	this	DET
fsr-4067	98	17	study	study	NOUN
fsr-4067	98	18	.	.	PUNCT
fsr-4067	99	1	herding	herding	NOUN
fsr-4067	99	2	,	,	PUNCT
fsr-4067	99	3	an	an	DET
fsr-4067	99	4	integral	integral	ADJ
fsr-4067	99	5	part	part	NOUN
fsr-4067	99	6	of	of	ADP
fsr-4067	99	7	behavioral	behavioral	ADJ
fsr-4067	99	8	finance	finance	NOUN
fsr-4067	99	9	,	,	PUNCT
fsr-4067	99	10	is	be	AUX
fsr-4067	99	11	a	a	DET
fsr-4067	99	12	phenomenon	phenomenon	NOUN
fsr-4067	99	13	that	that	PRON
fsr-4067	99	14	explains	explain	VERB
fsr-4067	99	15	the	the	DET
fsr-4067	99	16	tendency	tendency	NOUN
fsr-4067	99	17	of	of	ADP
fsr-4067	99	18	individuals	individual	NOUN
fsr-4067	99	19	or	or	CCONJ
fsr-4067	99	20	investors	investor	NOUN
fsr-4067	99	21	to	to	PART
fsr-4067	99	22	make	make	VERB
fsr-4067	99	23	decisions	decision	NOUN
fsr-4067	99	24	based	base	VERB
fsr-4067	99	25	on	on	ADP
fsr-4067	99	26	the	the	DET
fsr-4067	99	27	actions	action	NOUN
fsr-4067	99	28	of	of	ADP
fsr-4067	99	29	others	other	NOUN
fsr-4067	99	30	.	.	PUNCT
fsr-4067	100	1	(	(	PUNCT
fsr-4067	100	2	keynes	keynes	PROPN
fsr-4067	100	3	,	,	PUNCT
fsr-4067	100	4	1937	1937	NUM
fsr-4067	100	5	)	)	PUNCT
fsr-4067	100	6	.	.	PUNCT
fsr-4067	101	1	according	accord	VERB
fsr-4067	101	2	to	to	ADP
fsr-4067	101	3	keynes	keynes	PROPN
fsr-4067	101	4	(	(	PUNCT
fsr-4067	101	5	1937	1937	NUM
fsr-4067	101	6	)	)	PUNCT
fsr-4067	101	7	,	,	PUNCT
fsr-4067	101	8	these	these	DET
fsr-4067	101	9	individuals	individual	NOUN
fsr-4067	101	10	or	or	CCONJ
fsr-4067	101	11	investors	investor	NOUN
fsr-4067	101	12	mimic	mimic	VERB
fsr-4067	101	13	the	the	DET
fsr-4067	101	14	actions	action	NOUN
fsr-4067	101	15	and	and	CCONJ
fsr-4067	101	16	behaviors	behavior	NOUN
fsr-4067	101	17	of	of	ADP
fsr-4067	101	18	others	other	NOUN
fsr-4067	101	19	when	when	SCONJ
fsr-4067	101	20	faced	face	VERB
fsr-4067	101	21	with	with	ADP
fsr-4067	101	22	volatile	volatile	ADJ
fsr-4067	101	23	and	and	CCONJ
fsr-4067	101	24	uncertain	uncertain	ADJ
fsr-4067	101	25	situations	situation	NOUN
fsr-4067	101	26	,	,	PUNCT
fsr-4067	101	27	because	because	SCONJ
fsr-4067	101	28	they	they	PRON
fsr-4067	101	29	believe	believe	VERB
fsr-4067	101	30	that	that	SCONJ
fsr-4067	101	31	these	these	DET
fsr-4067	101	32	other	other	ADJ
fsr-4067	101	33	investors	investor	NOUN
fsr-4067	101	34	know	know	VERB
fsr-4067	101	35	better	well	ADV
fsr-4067	101	36	.	.	PUNCT
fsr-4067	102	1	pompian	pompian	ADJ
fsr-4067	102	2	(	(	PUNCT
fsr-4067	102	3	2012	2012	NUM
fsr-4067	102	4	)	)	PUNCT
fsr-4067	102	5	explains	explain	VERB
fsr-4067	102	6	that	that	SCONJ
fsr-4067	102	7	herding	herding	NOUN
fsr-4067	102	8	behavior	behavior	NOUN
fsr-4067	102	9	could	could	AUX
fsr-4067	102	10	be	be	AUX
fsr-4067	102	11	caused	cause	VERB
fsr-4067	102	12	by	by	ADP
fsr-4067	102	13	regret	regret	NOUN
fsr-4067	102	14	aversion	aversion	NOUN
fsr-4067	102	15	.	.	PUNCT
fsr-4067	103	1	according	accord	VERB
fsr-4067	103	2	to	to	ADP
fsr-4067	103	3	pompian	pompian	PROPN
fsr-4067	103	4	(	(	PUNCT
fsr-4067	103	5	2012	2012	NUM
fsr-4067	103	6	)	)	PUNCT
fsr-4067	103	7	,	,	PUNCT
fsr-4067	103	8	regret	regret	VERB
fsr-4067	103	9	aversion	aversion	NOUN
fsr-4067	103	10	is	be	AUX
fsr-4067	103	11	the	the	DET
fsr-4067	103	12	tendency	tendency	NOUN
fsr-4067	103	13	of	of	ADP
fsr-4067	103	14	investors	investor	NOUN
fsr-4067	103	15	to	to	PART
fsr-4067	103	16	make	make	VERB
fsr-4067	103	17	decisions	decision	NOUN
fsr-4067	103	18	for	for	ADP
fsr-4067	103	19	fear	fear	NOUN
fsr-4067	103	20	of	of	ADP
fsr-4067	103	21	making	make	VERB
fsr-4067	103	22	a	a	DET
fsr-4067	103	23	mistake	mistake	NOUN
fsr-4067	103	24	or	or	CCONJ
fsr-4067	103	25	fear	fear	NOUN
fsr-4067	103	26	of	of	ADP
fsr-4067	103	27	missing	miss	VERB
fsr-4067	103	28	out	out	ADP
fsr-4067	103	29	on	on	ADP
fsr-4067	103	30	a	a	DET
fsr-4067	103	31	great	great	ADJ
fsr-4067	103	32	deal	deal	NOUN
fsr-4067	103	33	or	or	CCONJ
fsr-4067	103	34	investment	investment	NOUN
fsr-4067	103	35	.	.	PUNCT
fsr-4067	104	1	therefore	therefore	ADV
fsr-4067	104	2	,	,	PUNCT
fsr-4067	104	3	they	they	PRON
fsr-4067	104	4	follow	follow	VERB
fsr-4067	104	5	the	the	DET
fsr-4067	104	6	crowd	crowd	NOUN
fsr-4067	104	7	and	and	CCONJ
fsr-4067	104	8	actions	action	NOUN
fsr-4067	104	9	of	of	ADP
fsr-4067	104	10	other	other	ADJ
fsr-4067	104	11	investors	investor	NOUN
fsr-4067	104	12	to	to	PART
fsr-4067	104	13	limit	limit	VERB
fsr-4067	104	14	the	the	DET
fsr-4067	104	15	likelihood	likelihood	NOUN
fsr-4067	104	16	of	of	ADP
fsr-4067	104	17	future	future	ADJ
fsr-4067	104	18	regret	regret	NOUN
fsr-4067	104	19	,	,	PUNCT
fsr-4067	104	20	believing	believe	VERB
fsr-4067	104	21	that	that	SCONJ
fsr-4067	104	22	the	the	DET
fsr-4067	104	23	majority	majority	NOUN
fsr-4067	104	24	must	must	AUX
fsr-4067	104	25	be	be	AUX
fsr-4067	104	26	right	right	ADJ
fsr-4067	104	27	(	(	PUNCT
fsr-4067	104	28	xu	xu	INTJ
fsr-4067	104	29	,	,	PUNCT
fsr-4067	104	30	2023	2023	NUM
fsr-4067	104	31	)	)	PUNCT
fsr-4067	104	32	.	.	PUNCT
fsr-4067	105	1	trust	trust	NOUN
fsr-4067	105	2	heuristic	heuristic	NOUN
fsr-4067	105	3	could	could	AUX
fsr-4067	105	4	be	be	AUX
fsr-4067	105	5	another	another	DET
fsr-4067	105	6	source	source	NOUN
fsr-4067	105	7	of	of	ADP
fsr-4067	105	8	herding	herding	NOUN
fsr-4067	105	9	(	(	PUNCT
fsr-4067	105	10	trehan	trehan	PROPN
fsr-4067	105	11	&	&	CCONJ
fsr-4067	105	12	sinha	sinha	PROPN
fsr-4067	105	13	,	,	PUNCT
fsr-4067	105	14	2019	2019	NUM
fsr-4067	105	15	)	)	PUNCT
fsr-4067	105	16	.	.	PUNCT
fsr-4067	106	1	when	when	SCONJ
fsr-4067	106	2	making	make	VERB
fsr-4067	106	3	investment	investment	NOUN
fsr-4067	106	4	decisions	decision	NOUN
fsr-4067	106	5	,	,	PUNCT
fsr-4067	106	6	people	people	NOUN
fsr-4067	106	7	tend	tend	VERB
fsr-4067	106	8	to	to	PART
fsr-4067	106	9	rely	rely	VERB
fsr-4067	106	10	on	on	ADP
fsr-4067	106	11	the	the	DET
fsr-4067	106	12	advice	advice	NOUN
fsr-4067	106	13	and	and	CCONJ
fsr-4067	106	14	actions	action	NOUN
fsr-4067	106	15	of	of	ADP
fsr-4067	106	16	influential	influential	ADJ
fsr-4067	106	17	figures	figure	NOUN
fsr-4067	106	18	,	,	PUNCT
fsr-4067	106	19	family	family	NOUN
fsr-4067	106	20	,	,	PUNCT
fsr-4067	106	21	their	their	PRON
fsr-4067	106	22	social	social	ADJ
fsr-4067	106	23	or	or	CCONJ
fsr-4067	106	24	religious	religious	ADJ
fsr-4067	106	25	groups	group	NOUN
fsr-4067	106	26	,	,	PUNCT
fsr-4067	106	27	and	and	CCONJ
fsr-4067	106	28	their	their	PRON
fsr-4067	106	29	peers	peer	NOUN
fsr-4067	106	30	.	.	PUNCT
fsr-4067	107	1	as	as	ADP
fsr-4067	107	2	a	a	DET
fsr-4067	107	3	result	result	NOUN
fsr-4067	107	4	of	of	ADP
fsr-4067	107	5	this	this	DET
fsr-4067	107	6	reliance	reliance	NOUN
fsr-4067	107	7	,	,	PUNCT
fsr-4067	107	8	the	the	DET
fsr-4067	107	9	uncertainty	uncertainty	NOUN
fsr-4067	107	10	they	they	PRON
fsr-4067	107	11	feel	feel	VERB
fsr-4067	107	12	about	about	ADP
fsr-4067	107	13	the	the	DET
fsr-4067	107	14	situation	situation	NOUN
fsr-4067	107	15	or	or	CCONJ
fsr-4067	107	16	decision	decision	NOUN
fsr-4067	107	17	is	be	AUX
fsr-4067	107	18	reduced	reduce	VERB
fsr-4067	107	19	and	and	CCONJ
fsr-4067	107	20	decision	decision	NOUN
fsr-4067	107	21	making	making	NOUN
fsr-4067	107	22	is	be	AUX
fsr-4067	107	23	faster	fast	ADJ
fsr-4067	107	24	.	.	PUNCT
fsr-4067	108	1	however	however	ADV
fsr-4067	108	2	,	,	PUNCT
fsr-4067	108	3	problems	problem	NOUN
fsr-4067	108	4	arise	arise	VERB
fsr-4067	108	5	when	when	SCONJ
fsr-4067	108	6	these	these	DET
fsr-4067	108	7	decisions	decision	NOUN
fsr-4067	108	8	made	make	VERB
fsr-4067	108	9	out	out	ADP
fsr-4067	108	10	of	of	ADP
fsr-4067	108	11	herding	herding	NOUN
fsr-4067	108	12	are	be	AUX
fsr-4067	108	13	suboptimal	suboptimal	ADJ
fsr-4067	108	14	for	for	ADP
fsr-4067	108	15	these	these	DET
fsr-4067	108	16	investors	investor	NOUN
fsr-4067	108	17	,	,	PUNCT
fsr-4067	108	18	considering	consider	VERB
fsr-4067	108	19	their	their	PRON
fsr-4067	108	20	risk	risk	NOUN
fsr-4067	108	21	portfolio	portfolio	NOUN
fsr-4067	108	22	and	and	CCONJ
fsr-4067	108	23	other	other	ADJ
fsr-4067	108	24	circumstances	circumstance	NOUN
fsr-4067	108	25	unique	unique	ADJ
fsr-4067	108	26	to	to	ADP
fsr-4067	108	27	them	they	PRON
fsr-4067	108	28	.	.	PUNCT
fsr-4067	109	1	buying	buy	VERB
fsr-4067	109	2	on	on	ADP
fsr-4067	109	3	margin	margin	NOUN
fsr-4067	109	4	is	be	AUX
fsr-4067	109	5	a	a	DET
fsr-4067	109	6	unique	unique	ADJ
fsr-4067	109	7	position	position	NOUN
fsr-4067	109	8	as	as	SCONJ
fsr-4067	109	9	it	it	PRON
fsr-4067	109	10	involves	involve	VERB
fsr-4067	109	11	the	the	DET
fsr-4067	109	12	purchase	purchase	NOUN
fsr-4067	109	13	of	of	ADP
fsr-4067	109	14	securities	security	NOUN
fsr-4067	109	15	by	by	ADP
fsr-4067	109	16	borrowing	borrow	VERB
fsr-4067	109	17	from	from	ADP
fsr-4067	109	18	brokerage	brokerage	NOUN
fsr-4067	109	19	firms	firm	NOUN
fsr-4067	109	20	,	,	PUNCT
fsr-4067	109	21	with	with	ADP
fsr-4067	109	22	the	the	DET
fsr-4067	109	23	hope	hope	NOUN
fsr-4067	109	24	of	of	ADP
fsr-4067	109	25	making	make	VERB
fsr-4067	109	26	a	a	DET
fsr-4067	109	27	profit	profit	NOUN
fsr-4067	109	28	when	when	SCONJ
fsr-4067	109	29	the	the	DET
fsr-4067	109	30	returns	return	NOUN
fsr-4067	109	31	from	from	ADP
fsr-4067	109	32	the	the	DET
fsr-4067	109	33	investment	investment	NOUN
fsr-4067	109	34	exceed	exceed	VERB
fsr-4067	109	35	the	the	DET
fsr-4067	109	36	borrowing	borrowing	NOUN
fsr-4067	109	37	costs	cost	NOUN
fsr-4067	109	38	.	.	PUNCT
fsr-4067	110	1	because	because	SCONJ
fsr-4067	110	2	of	of	ADP
fsr-4067	110	3	the	the	DET
fsr-4067	110	4	investment	investment	NOUN
fsr-4067	110	5	and	and	CCONJ
fsr-4067	110	6	debt	debt	NOUN
fsr-4067	110	7	position	position	NOUN
fsr-4067	110	8	that	that	SCONJ
fsr-4067	110	9	buying	buy	VERB
fsr-4067	110	10	on	on	ADP
fsr-4067	110	11	margin	margin	NOUN
fsr-4067	110	12	is	be	AUX
fsr-4067	110	13	,	,	PUNCT
fsr-4067	110	14	while	while	SCONJ
fsr-4067	110	15	it	it	PRON
fsr-4067	110	16	has	have	VERB
fsr-4067	110	17	the	the	DET
fsr-4067	110	18	potential	potential	NOUN
fsr-4067	110	19	to	to	PART
fsr-4067	110	20	increase	increase	VERB
fsr-4067	110	21	returns	return	NOUN
fsr-4067	110	22	,	,	PUNCT
fsr-4067	110	23	it	it	PRON
fsr-4067	110	24	brings	bring	VERB
fsr-4067	110	25	significant	significant	ADJ
fsr-4067	110	26	risks	risk	NOUN
fsr-4067	110	27	.	.	PUNCT
fsr-4067	111	1	therefore	therefore	ADV
fsr-4067	111	2	,	,	PUNCT
fsr-4067	111	3	it	it	PRON
fsr-4067	111	4	is	be	AUX
fsr-4067	111	5	important	important	ADJ
fsr-4067	111	6	that	that	SCONJ
fsr-4067	111	7	the	the	DET
fsr-4067	111	8	investors	investor	NOUN
fsr-4067	111	9	are	be	AUX
fsr-4067	111	10	fully	fully	ADV
fsr-4067	111	11	aware	aware	ADJ
fsr-4067	111	12	of	of	ADP
fsr-4067	111	13	the	the	DET
fsr-4067	111	14	risks	risk	NOUN
fsr-4067	111	15	involved	involve	VERB
fsr-4067	111	16	.	.	PUNCT
fsr-4067	112	1	when	when	SCONJ
fsr-4067	112	2	individuals	individual	NOUN
fsr-4067	112	3	herd	herd	VERB
fsr-4067	112	4	,	,	PUNCT
fsr-4067	112	5	the	the	DET
fsr-4067	112	6	uncertainty	uncertainty	NOUN
fsr-4067	112	7	investors	investor	NOUN
fsr-4067	112	8	feel	feel	VERB
fsr-4067	112	9	about	about	ADP
fsr-4067	112	10	their	their	PRON
fsr-4067	112	11	investing	investing	NOUN
fsr-4067	112	12	decision	decision	NOUN
fsr-4067	112	13	or	or	CCONJ
fsr-4067	112	14	position	position	NOUN
fsr-4067	112	15	is	be	AUX
fsr-4067	112	16	reduced	reduce	VERB
fsr-4067	112	17	,	,	PUNCT
fsr-4067	112	18	even	even	ADV
fsr-4067	112	19	though	though	SCONJ
fsr-4067	112	20	the	the	DET
fsr-4067	112	21	inherent	inherent	ADJ
fsr-4067	112	22	risk	risk	NOUN
fsr-4067	112	23	of	of	ADP
fsr-4067	112	24	the	the	DET
fsr-4067	112	25	position	position	NOUN
fsr-4067	112	26	is	be	AUX
fsr-4067	112	27	not	not	PART
fsr-4067	112	28	reduced	reduce	VERB
fsr-4067	112	29	(	(	PUNCT
fsr-4067	112	30	xu	xu	INTJ
fsr-4067	112	31	,	,	PUNCT
fsr-4067	112	32	2023	2023	NUM
fsr-4067	112	33	)	)	PUNCT
fsr-4067	112	34	.	.	PUNCT
fsr-4067	113	1	so	so	ADV
fsr-4067	113	2	,	,	PUNCT
fsr-4067	113	3	investors	investor	NOUN
fsr-4067	113	4	who	who	PRON
fsr-4067	113	5	invest	invest	VERB
fsr-4067	113	6	because	because	SCONJ
fsr-4067	113	7	their	their	PRON
fsr-4067	113	8	sanders	sander	NOUN
fsr-4067	113	9	&	&	CCONJ
fsr-4067	113	10	olajide	olajide	ADP
fsr-4067	113	11	59	59	NUM
fsr-4067	113	12	peers	peer	NOUN
fsr-4067	113	13	are	be	AUX
fsr-4067	113	14	investing	invest	VERB
fsr-4067	113	15	(	(	PUNCT
fsr-4067	113	16	i.e.	i.e.	X
fsr-4067	113	17	investors	investor	NOUN
fsr-4067	113	18	susceptible	susceptible	ADJ
fsr-4067	113	19	to	to	ADP
fsr-4067	113	20	herding	herding	NOUN
fsr-4067	113	21	)	)	PUNCT
fsr-4067	113	22	are	be	AUX
fsr-4067	113	23	more	more	ADV
fsr-4067	113	24	likely	likely	ADJ
fsr-4067	113	25	to	to	PART
fsr-4067	113	26	buy	buy	VERB
fsr-4067	113	27	on	on	ADP
fsr-4067	113	28	margin	margin	NOUN
fsr-4067	113	29	,	,	PUNCT
fsr-4067	113	30	especially	especially	ADV
fsr-4067	113	31	if	if	SCONJ
fsr-4067	113	32	their	their	PRON
fsr-4067	113	33	peers	peer	NOUN
fsr-4067	113	34	are	be	AUX
fsr-4067	113	35	holding	hold	VERB
fsr-4067	113	36	that	that	DET
fsr-4067	113	37	position	position	NOUN
fsr-4067	113	38	,	,	PUNCT
fsr-4067	113	39	because	because	SCONJ
fsr-4067	113	40	it	it	PRON
fsr-4067	113	41	gives	give	VERB
fsr-4067	113	42	them	they	PRON
fsr-4067	113	43	a	a	DET
fsr-4067	113	44	false	false	ADJ
fsr-4067	113	45	sense	sense	NOUN
fsr-4067	113	46	of	of	ADP
fsr-4067	113	47	certainty	certainty	NOUN
fsr-4067	113	48	about	about	ADP
fsr-4067	113	49	buying	buy	VERB
fsr-4067	113	50	on	on	ADP
fsr-4067	113	51	margin	margin	NOUN
fsr-4067	113	52	even	even	ADV
fsr-4067	113	53	though	though	SCONJ
fsr-4067	113	54	buying	buy	VERB
fsr-4067	113	55	on	on	ADP
fsr-4067	113	56	margin	margin	NOUN
fsr-4067	113	57	increases	increase	VERB
fsr-4067	113	58	the	the	DET
fsr-4067	113	59	potential	potential	ADJ
fsr-4067	113	60	volatility	volatility	NOUN
fsr-4067	113	61	of	of	ADP
fsr-4067	113	62	their	their	PRON
fsr-4067	113	63	position	position	NOUN
fsr-4067	113	64	.	.	PUNCT
fsr-4067	114	1	younger	young	ADJ
fsr-4067	114	2	individuals	individual	NOUN
fsr-4067	114	3	may	may	AUX
fsr-4067	114	4	be	be	AUX
fsr-4067	114	5	more	more	ADV
fsr-4067	114	6	likely	likely	ADJ
fsr-4067	114	7	to	to	PART
fsr-4067	114	8	make	make	VERB
fsr-4067	114	9	purchases	purchase	NOUN
fsr-4067	114	10	on	on	ADP
fsr-4067	114	11	margin	margin	NOUN
fsr-4067	114	12	.	.	PUNCT
fsr-4067	115	1	as	as	SCONJ
fsr-4067	115	2	previously	previously	ADV
fsr-4067	115	3	discussed	discuss	VERB
fsr-4067	115	4	,	,	PUNCT
fsr-4067	115	5	buying	buy	VERB
fsr-4067	115	6	on	on	ADP
fsr-4067	115	7	margin	margin	NOUN
fsr-4067	115	8	is	be	AUX
fsr-4067	115	9	very	very	ADV
fsr-4067	115	10	risky	risky	ADJ
fsr-4067	115	11	;	;	PUNCT
fsr-4067	115	12	therefore	therefore	ADV
fsr-4067	115	13	,	,	PUNCT
fsr-4067	115	14	individuals	individual	NOUN
fsr-4067	115	15	with	with	ADP
fsr-4067	115	16	higher	high	ADJ
fsr-4067	115	17	risk	risk	NOUN
fsr-4067	115	18	tolerance	tolerance	NOUN
fsr-4067	115	19	are	be	AUX
fsr-4067	115	20	more	more	ADV
fsr-4067	115	21	likely	likely	ADJ
fsr-4067	115	22	to	to	PART
fsr-4067	115	23	engage	engage	VERB
fsr-4067	115	24	in	in	ADP
fsr-4067	115	25	margin	margin	NOUN
fsr-4067	115	26	purchases	purchase	NOUN
fsr-4067	115	27	.	.	PUNCT
fsr-4067	116	1	based	base	VERB
fsr-4067	116	2	on	on	ADP
fsr-4067	116	3	the	the	DET
fsr-4067	116	4	life	life	NOUN
fsr-4067	116	5	-	-	PUNCT
fsr-4067	116	6	cycle	cycle	NOUN
fsr-4067	116	7	hypothesis	hypothesis	NOUN
fsr-4067	116	8	,	,	PUNCT
fsr-4067	116	9	age	age	NOUN
fsr-4067	116	10	is	be	AUX
fsr-4067	116	11	negatively	negatively	ADV
fsr-4067	116	12	associated	associate	VERB
fsr-4067	116	13	with	with	ADP
fsr-4067	116	14	risk	risk	NOUN
fsr-4067	116	15	tolerance	tolerance	NOUN
fsr-4067	116	16	,	,	PUNCT
fsr-4067	116	17	as	as	SCONJ
fsr-4067	116	18	younger	young	ADJ
fsr-4067	116	19	individuals	individual	NOUN
fsr-4067	116	20	tend	tend	VERB
fsr-4067	116	21	to	to	PART
fsr-4067	116	22	have	have	VERB
fsr-4067	116	23	higher	high	ADJ
fsr-4067	116	24	risk	risk	NOUN
fsr-4067	116	25	tolerance	tolerance	NOUN
fsr-4067	116	26	because	because	SCONJ
fsr-4067	116	27	of	of	ADP
fsr-4067	116	28	their	their	PRON
fsr-4067	116	29	extended	extended	ADJ
fsr-4067	116	30	time	time	NOUN
fsr-4067	116	31	horizon	horizon	NOUN
fsr-4067	116	32	.	.	PUNCT
fsr-4067	117	1	having	have	VERB
fsr-4067	117	2	more	more	ADJ
fsr-4067	117	3	time	time	NOUN
fsr-4067	117	4	to	to	PART
fsr-4067	117	5	experience	experience	VERB
fsr-4067	117	6	investment	investment	NOUN
fsr-4067	117	7	volatility	volatility	NOUN
fsr-4067	117	8	allows	allow	VERB
fsr-4067	117	9	them	they	PRON
fsr-4067	117	10	to	to	PART
fsr-4067	117	11	recover	recover	VERB
fsr-4067	117	12	from	from	ADP
fsr-4067	117	13	possible	possible	ADJ
fsr-4067	117	14	losses	loss	NOUN
fsr-4067	117	15	from	from	ADP
fsr-4067	117	16	riskier	risky	ADJ
fsr-4067	117	17	investment	investment	NOUN
fsr-4067	117	18	choices	choice	NOUN
fsr-4067	117	19	(	(	PUNCT
fsr-4067	117	20	mylondis	mylondi	NOUN
fsr-4067	117	21	&	&	CCONJ
fsr-4067	117	22	oikonomou	oikonomou	ADJ
fsr-4067	117	23	,	,	PUNCT
fsr-4067	117	24	2021	2021	NUM
fsr-4067	117	25	;	;	PUNCT
fsr-4067	117	26	yao	yao	PROPN
fsr-4067	117	27	et	et	PROPN
fsr-4067	117	28	al	al	PROPN
fsr-4067	117	29	.	.	PROPN
fsr-4067	117	30	,	,	PUNCT
fsr-4067	117	31	2011	2011	NUM
fsr-4067	117	32	)	)	PUNCT
fsr-4067	117	33	.	.	PUNCT
fsr-4067	118	1	also	also	ADV
fsr-4067	118	2	,	,	PUNCT
fsr-4067	118	3	compared	compare	VERB
fsr-4067	118	4	to	to	ADP
fsr-4067	118	5	older	old	ADJ
fsr-4067	118	6	individuals	individual	NOUN
fsr-4067	118	7	,	,	PUNCT
fsr-4067	118	8	younger	young	ADJ
fsr-4067	118	9	individuals	individual	NOUN
fsr-4067	118	10	are	be	AUX
fsr-4067	118	11	more	more	ADV
fsr-4067	118	12	susceptible	susceptible	ADJ
fsr-4067	118	13	to	to	ADP
fsr-4067	118	14	peer	peer	NOUN
fsr-4067	118	15	and	and	CCONJ
fsr-4067	118	16	social	social	ADJ
fsr-4067	118	17	influence	influence	NOUN
fsr-4067	118	18	(	(	PUNCT
fsr-4067	118	19	carolan	carolan	NOUN
fsr-4067	118	20	,	,	PUNCT
fsr-4067	118	21	2018	2018	NUM
fsr-4067	118	22	;	;	PUNCT
fsr-4067	118	23	khan	khan	PROPN
fsr-4067	118	24	et	et	PROPN
fsr-4067	118	25	al	al	PROPN
fsr-4067	118	26	.	.	PROPN
fsr-4067	118	27	,	,	PUNCT
fsr-4067	118	28	2016	2016	NUM
fsr-4067	118	29	)	)	PUNCT
fsr-4067	118	30	and	and	CCONJ
fsr-4067	118	31	peer	peer	NOUN
fsr-4067	118	32	influence	influence	NOUN
fsr-4067	118	33	is	be	AUX
fsr-4067	118	34	positively	positively	ADV
fsr-4067	118	35	associated	associate	VERB
fsr-4067	118	36	with	with	ADP
fsr-4067	118	37	risk	risk	NOUN
fsr-4067	118	38	tolerance	tolerance	NOUN
fsr-4067	118	39	(	(	PUNCT
fsr-4067	118	40	frydman	frydman	ADJ
fsr-4067	118	41	,	,	PUNCT
fsr-4067	118	42	2015	2015	NUM
fsr-4067	118	43	;	;	PUNCT
fsr-4067	118	44	gardner	gardner	PROPN
fsr-4067	118	45	&	&	CCONJ
fsr-4067	118	46	steinberg	steinberg	PROPN
fsr-4067	118	47	,	,	PUNCT
fsr-4067	118	48	2005	2005	NUM
fsr-4067	118	49	)	)	PUNCT
fsr-4067	118	50	.	.	PUNCT
fsr-4067	119	1	therefore	therefore	ADV
fsr-4067	119	2	,	,	PUNCT
fsr-4067	119	3	it	it	PRON
fsr-4067	119	4	is	be	AUX
fsr-4067	119	5	expected	expect	VERB
fsr-4067	119	6	that	that	SCONJ
fsr-4067	119	7	younger	young	ADJ
fsr-4067	119	8	investors	investor	NOUN
fsr-4067	119	9	will	will	AUX
fsr-4067	119	10	be	be	AUX
fsr-4067	119	11	more	more	ADV
fsr-4067	119	12	likely	likely	ADJ
fsr-4067	119	13	to	to	PART
fsr-4067	119	14	buy	buy	VERB
fsr-4067	119	15	on	on	ADP
fsr-4067	119	16	margin	margin	NOUN
fsr-4067	119	17	.	.	PUNCT
fsr-4067	120	1	given	give	VERB
fsr-4067	120	2	the	the	DET
fsr-4067	120	3	herding	herding	NOUN
fsr-4067	120	4	theory	theory	NOUN
fsr-4067	120	5	and	and	CCONJ
fsr-4067	120	6	the	the	DET
fsr-4067	120	7	review	review	NOUN
fsr-4067	120	8	of	of	ADP
fsr-4067	120	9	previous	previous	ADJ
fsr-4067	120	10	literature	literature	NOUN
fsr-4067	120	11	that	that	PRON
fsr-4067	120	12	has	have	AUX
fsr-4067	120	13	shown	show	VERB
fsr-4067	120	14	the	the	DET
fsr-4067	120	15	impact	impact	NOUN
fsr-4067	120	16	of	of	ADP
fsr-4067	120	17	peer	peer	NOUN
fsr-4067	120	18	influence	influence	NOUN
fsr-4067	120	19	,	,	PUNCT
fsr-4067	120	20	investment	investment	NOUN
fsr-4067	120	21	literacy	literacy	NOUN
fsr-4067	120	22	,	,	PUNCT
fsr-4067	120	23	and	and	CCONJ
fsr-4067	120	24	age	age	NOUN
fsr-4067	120	25	on	on	ADP
fsr-4067	120	26	decision	decision	NOUN
fsr-4067	120	27	making	making	NOUN
fsr-4067	120	28	,	,	PUNCT
fsr-4067	120	29	this	this	DET
fsr-4067	120	30	study	study	NOUN
fsr-4067	120	31	hypothesizes	hypothesize	VERB
fsr-4067	120	32	the	the	DET
fsr-4067	120	33	following	following	NOUN
fsr-4067	120	34	:	:	PUNCT
fsr-4067	120	35	h1	h1	PROPN
fsr-4067	120	36	:	:	PUNCT
fsr-4067	120	37	investors	investor	NOUN
fsr-4067	120	38	susceptible	susceptible	ADJ
fsr-4067	120	39	to	to	ADP
fsr-4067	120	40	the	the	DET
fsr-4067	120	41	herding	herding	NOUN
fsr-4067	120	42	effect	effect	NOUN
fsr-4067	120	43	(	(	PUNCT
fsr-4067	120	44	i.e.	i.e.	X
fsr-4067	120	45	,	,	PUNCT
fsr-4067	120	46	those	those	PRON
fsr-4067	120	47	who	who	PRON
fsr-4067	120	48	invest	invest	VERB
fsr-4067	120	49	because	because	SCONJ
fsr-4067	120	50	their	their	PRON
fsr-4067	120	51	peers	peer	NOUN
fsr-4067	120	52	are	be	AUX
fsr-4067	120	53	also	also	ADV
fsr-4067	120	54	investing	invest	VERB
fsr-4067	120	55	)	)	PUNCT
fsr-4067	120	56	are	be	AUX
fsr-4067	120	57	more	more	ADV
fsr-4067	120	58	likely	likely	ADJ
fsr-4067	120	59	to	to	PART
fsr-4067	120	60	buy	buy	VERB
fsr-4067	120	61	on	on	ADP
fsr-4067	120	62	margin	margin	NOUN
fsr-4067	120	63	.	.	PUNCT
fsr-4067	121	1	h2	h2	NOUN
fsr-4067	121	2	:	:	PUNCT
fsr-4067	121	3	investment	investment	NOUN
fsr-4067	121	4	literacy	literacy	NOUN
fsr-4067	121	5	significantly	significantly	ADV
fsr-4067	121	6	influences	influence	VERB
fsr-4067	121	7	margin	margin	NOUN
fsr-4067	121	8	purchase	purchase	NOUN
fsr-4067	121	9	decisions	decision	NOUN
fsr-4067	121	10	.	.	PUNCT
fsr-4067	122	1	h3	h3	NOUN
fsr-4067	122	2	:	:	PUNCT
fsr-4067	122	3	age	age	NOUN
fsr-4067	122	4	negatively	negatively	ADV
fsr-4067	122	5	relates	relate	VERB
fsr-4067	122	6	to	to	PART
fsr-4067	122	7	margin	margin	NOUN
fsr-4067	122	8	purchase	purchase	NOUN
fsr-4067	122	9	.	.	PUNCT
fsr-4067	123	1	methodology	methodology	NOUN
fsr-4067	123	2	data	data	PROPN
fsr-4067	123	3	/	/	SYM
fsr-4067	123	4	sample	sample	NOUN
fsr-4067	123	5	this	this	DET
fsr-4067	123	6	study	study	NOUN
fsr-4067	123	7	uses	use	VERB
fsr-4067	123	8	combined	combined	ADJ
fsr-4067	123	9	data	datum	NOUN
fsr-4067	123	10	from	from	ADP
fsr-4067	123	11	the	the	DET
fsr-4067	123	12	2021	2021	NUM
fsr-4067	123	13	wave	wave	NOUN
fsr-4067	123	14	of	of	ADP
fsr-4067	123	15	the	the	DET
fsr-4067	123	16	national	national	ADJ
fsr-4067	123	17	financial	financial	ADJ
fsr-4067	123	18	capability	capability	NOUN
fsr-4067	123	19	study	study	NOUN
fsr-4067	123	20	(	(	PUNCT
fsr-4067	123	21	nfcs	nfcs	PROPN
fsr-4067	123	22	)	)	PUNCT
fsr-4067	123	23	state	state	NOUN
fsr-4067	123	24	-	-	PUNCT
fsr-4067	123	25	by	by	ADP
fsr-4067	123	26	-	-	PUNCT
fsr-4067	123	27	state	state	NOUN
fsr-4067	123	28	and	and	CCONJ
fsr-4067	123	29	investor	investor	NOUN
fsr-4067	123	30	surveys	survey	NOUN
fsr-4067	123	31	.	.	PUNCT
fsr-4067	124	1	the	the	DET
fsr-4067	124	2	investor	investor	NOUN
fsr-4067	124	3	survey	survey	NOUN
fsr-4067	124	4	is	be	AUX
fsr-4067	124	5	a	a	DET
fsr-4067	124	6	follow	follow	VERB
fsr-4067	124	7	-	-	PUNCT
fsr-4067	124	8	up	up	ADP
fsr-4067	124	9	survey	survey	NOUN
fsr-4067	124	10	from	from	ADP
fsr-4067	124	11	the	the	DET
fsr-4067	124	12	more	more	ADV
fsr-4067	124	13	broad	broad	ADV
fsr-4067	124	14	-	-	PUNCT
fsr-4067	124	15	based	base	VERB
fsr-4067	124	16	nfcs	nfcs	PROPN
fsr-4067	124	17	state	state	NOUN
fsr-4067	124	18	-	-	PUNCT
fsr-4067	124	19	by	by	ADP
fsr-4067	124	20	-	-	PUNCT
fsr-4067	124	21	state	state	NOUN
fsr-4067	124	22	survey	survey	NOUN
fsr-4067	124	23	and	and	CCONJ
fsr-4067	124	24	was	be	AUX
fsr-4067	124	25	conducted	conduct	VERB
fsr-4067	124	26	to	to	PART
fsr-4067	124	27	take	take	VERB
fsr-4067	124	28	a	a	DET
fsr-4067	124	29	deeper	deep	ADJ
fsr-4067	124	30	look	look	NOUN
fsr-4067	124	31	at	at	ADP
fsr-4067	124	32	factors	factor	NOUN
fsr-4067	124	33	associated	associate	VERB
fsr-4067	124	34	with	with	ADP
fsr-4067	124	35	investor	investor	NOUN
fsr-4067	124	36	decisions	decision	NOUN
fsr-4067	124	37	.	.	PUNCT
fsr-4067	125	1	both	both	DET
fsr-4067	125	2	surveys	survey	NOUN
fsr-4067	125	3	have	have	AUX
fsr-4067	125	4	been	be	AUX
fsr-4067	125	5	commissioned	commission	VERB
fsr-4067	125	6	by	by	ADP
fsr-4067	125	7	the	the	DET
fsr-4067	125	8	finra	finra	PROPN
fsr-4067	125	9	investor	investor	PROPN
fsr-4067	125	10	education	education	PROPN
fsr-4067	125	11	foundation	foundation	NOUN
fsr-4067	125	12	and	and	CCONJ
fsr-4067	125	13	were	be	AUX
fsr-4067	125	14	conducted	conduct	VERB
fsr-4067	125	15	by	by	ADP
fsr-4067	125	16	applied	apply	VERB
fsr-4067	125	17	research	research	NOUN
fsr-4067	125	18	and	and	CCONJ
fsr-4067	125	19	consulting	consulting	NOUN
fsr-4067	125	20	llc	llc	PROPN
fsr-4067	125	21	(	(	PUNCT
fsr-4067	125	22	arc	arc	NOUN
fsr-4067	125	23	)	)	PUNCT
fsr-4067	125	24	.	.	PUNCT
fsr-4067	126	1	the	the	DET
fsr-4067	126	2	investor	investor	NOUN
fsr-4067	126	3	survey	survey	NOUN
fsr-4067	126	4	was	be	AUX
fsr-4067	126	5	completed	complete	VERB
fsr-4067	126	6	by	by	ADP
fsr-4067	126	7	2,824	2,824	NUM
fsr-4067	126	8	individuals	individual	NOUN
fsr-4067	126	9	who	who	PRON
fsr-4067	126	10	hold	hold	VERB
fsr-4067	126	11	investments	investment	NOUN
fsr-4067	126	12	outside	outside	ADP
fsr-4067	126	13	of	of	ADP
fsr-4067	126	14	retirement	retirement	NOUN
fsr-4067	126	15	accounts	account	NOUN
fsr-4067	126	16	.	.	PUNCT
fsr-4067	127	1	responses	response	NOUN
fsr-4067	127	2	from	from	ADP
fsr-4067	127	3	both	both	DET
fsr-4067	127	4	surveys	survey	NOUN
fsr-4067	127	5	were	be	AUX
fsr-4067	127	6	combined	combine	VERB
fsr-4067	127	7	to	to	PART
fsr-4067	127	8	allow	allow	VERB
fsr-4067	127	9	for	for	ADP
fsr-4067	127	10	a	a	DET
fsr-4067	127	11	more	more	ADV
fsr-4067	127	12	robust	robust	ADJ
fsr-4067	127	13	set	set	NOUN
fsr-4067	127	14	of	of	ADP
fsr-4067	127	15	variables	variable	NOUN
fsr-4067	127	16	in	in	ADP
fsr-4067	127	17	the	the	DET
fsr-4067	127	18	model	model	NOUN
fsr-4067	127	19	.	.	PUNCT
fsr-4067	128	1	survey	survey	NOUN
fsr-4067	128	2	weights	weight	NOUN
fsr-4067	128	3	,	,	PUNCT
fsr-4067	128	4	which	which	PRON
fsr-4067	128	5	are	be	AUX
fsr-4067	128	6	provided	provide	VERB
fsr-4067	128	7	based	base	VERB
fsr-4067	128	8	on	on	ADP
fsr-4067	128	9	data	datum	NOUN
fsr-4067	128	10	from	from	ADP
fsr-4067	128	11	the	the	DET
fsr-4067	128	12	american	american	PROPN
fsr-4067	128	13	community	community	NOUN
fsr-4067	128	14	survey	survey	NOUN
fsr-4067	128	15	,	,	PUNCT
fsr-4067	128	16	are	be	AUX
fsr-4067	128	17	used	use	VERB
fsr-4067	128	18	to	to	PART
fsr-4067	128	19	make	make	VERB
fsr-4067	128	20	the	the	DET
fsr-4067	128	21	sample	sample	NOUN
fsr-4067	128	22	representative	representative	NOUN
fsr-4067	128	23	of	of	ADP
fsr-4067	128	24	the	the	DET
fsr-4067	128	25	united	united	PROPN
fsr-4067	128	26	states	states	PROPN
fsr-4067	128	27	population	population	PROPN
fsr-4067	128	28	.	.	PUNCT
fsr-4067	129	1	responses	response	NOUN
fsr-4067	129	2	such	such	ADJ
fsr-4067	129	3	as	as	ADP
fsr-4067	129	4	“	"	PUNCT
fsr-4067	129	5	do	do	AUX
fsr-4067	129	6	n’t	not	PART
fsr-4067	129	7	know	know	VERB
fsr-4067	129	8	”	"	PUNCT
fsr-4067	129	9	and	and	CCONJ
fsr-4067	129	10	“	"	PUNCT
fsr-4067	129	11	prefer	prefer	VERB
fsr-4067	129	12	not	not	PART
fsr-4067	129	13	to	to	PART
fsr-4067	129	14	say	say	VERB
fsr-4067	129	15	”	"	PUNCT
fsr-4067	129	16	are	be	AUX
fsr-4067	129	17	omitted	omit	VERB
fsr-4067	129	18	from	from	ADP
fsr-4067	129	19	the	the	DET
fsr-4067	129	20	sample	sample	NOUN
fsr-4067	129	21	in	in	ADP
fsr-4067	129	22	most	most	ADJ
fsr-4067	129	23	instances	instance	NOUN
fsr-4067	129	24	.	.	PUNCT
fsr-4067	130	1	variables	variable	NOUN
fsr-4067	130	2	the	the	DET
fsr-4067	130	3	dependent	dependent	ADJ
fsr-4067	130	4	variable	variable	NOUN
fsr-4067	130	5	was	be	AUX
fsr-4067	130	6	measured	measure	VERB
fsr-4067	130	7	based	base	VERB
fsr-4067	130	8	on	on	ADP
fsr-4067	130	9	responses	response	NOUN
fsr-4067	130	10	to	to	ADP
fsr-4067	130	11	the	the	DET
fsr-4067	130	12	following	follow	VERB
fsr-4067	130	13	questions	question	NOUN
fsr-4067	130	14	:	:	PUNCT
fsr-4067	130	15	(	(	PUNCT
fsr-4067	130	16	a	a	X
fsr-4067	130	17	)	)	PUNCT
fsr-4067	130	18	“	"	PUNCT
fsr-4067	130	19	do	do	AUX
fsr-4067	130	20	any	any	PRON
fsr-4067	130	21	of	of	ADP
fsr-4067	130	22	your	your	PRON
fsr-4067	130	23	investment	investment	NOUN
fsr-4067	130	24	accounts	account	NOUN
fsr-4067	130	25	allow	allow	VERB
fsr-4067	130	26	you	you	PRON
fsr-4067	130	27	to	to	PART
fsr-4067	130	28	make	make	VERB
fsr-4067	130	29	purchases	purchase	NOUN
fsr-4067	130	30	on	on	ADP
fsr-4067	130	31	margin	margin	NOUN
fsr-4067	130	32	?	?	PUNCT
fsr-4067	130	33	”	"	PUNCT
fsr-4067	131	1	and	and	CCONJ
fsr-4067	131	2	(	(	PUNCT
fsr-4067	131	3	b	b	X
fsr-4067	131	4	)	)	PUNCT
fsr-4067	131	5	“	"	PUNCT
fsr-4067	131	6	have	have	AUX
fsr-4067	131	7	you	you	PRON
fsr-4067	131	8	made	make	VERB
fsr-4067	131	9	any	any	DET
fsr-4067	131	10	securities	security	NOUN
fsr-4067	131	11	purchases	purchase	NOUN
fsr-4067	131	12	on	on	ADP
fsr-4067	131	13	margin	margin	NOUN
fsr-4067	131	14	?	?	PUNCT
fsr-4067	131	15	”	"	PUNCT
fsr-4067	131	16	responses	response	NOUN
fsr-4067	131	17	were	be	AUX
fsr-4067	131	18	organized	organize	VERB
fsr-4067	131	19	into	into	ADP
fsr-4067	131	20	two	two	NUM
fsr-4067	131	21	outcomes	outcome	NOUN
fsr-4067	131	22	.	.	PUNCT
fsr-4067	132	1	where	where	SCONJ
fsr-4067	132	2	respondents	respondent	NOUN
fsr-4067	132	3	stated	state	VERB
fsr-4067	132	4	that	that	SCONJ
fsr-4067	132	5	they	they	PRON
fsr-4067	132	6	do	do	AUX
fsr-4067	132	7	not	not	PART
fsr-4067	132	8	have	have	VERB
fsr-4067	132	9	or	or	CCONJ
fsr-4067	132	10	do	do	AUX
fsr-4067	132	11	not	not	PART
fsr-4067	132	12	know	know	VERB
fsr-4067	132	13	if	if	SCONJ
fsr-4067	132	14	they	they	PRON
fsr-4067	132	15	have	have	VERB
fsr-4067	132	16	investment	investment	NOUN
fsr-4067	132	17	accounts	account	NOUN
fsr-4067	132	18	that	that	PRON
fsr-4067	132	19	allow	allow	VERB
fsr-4067	132	20	margin	margin	NOUN
fsr-4067	132	21	purchases	purchase	NOUN
fsr-4067	132	22	(	(	PUNCT
fsr-4067	132	23	n	n	NOUN
fsr-4067	132	24	=	=	SYM
fsr-4067	132	25	1,736	1,736	NUM
fsr-4067	132	26	)	)	PUNCT
fsr-4067	132	27	,	,	PUNCT
fsr-4067	132	28	or	or	CCONJ
fsr-4067	132	29	that	that	SCONJ
fsr-4067	132	30	they	they	PRON
fsr-4067	132	31	did	do	AUX
fsr-4067	132	32	not	not	PART
fsr-4067	132	33	make	make	VERB
fsr-4067	132	34	or	or	CCONJ
fsr-4067	132	35	do	do	AUX
fsr-4067	132	36	not	not	PART
fsr-4067	132	37	know	know	VERB
fsr-4067	132	38	if	if	SCONJ
fsr-4067	132	39	they	they	PRON
fsr-4067	132	40	made	make	VERB
fsr-4067	132	41	purchases	purchase	NOUN
fsr-4067	132	42	on	on	ADP
fsr-4067	132	43	margin	margin	NOUN
fsr-4067	132	44	(	(	PUNCT
fsr-4067	132	45	n	n	NOUN
fsr-4067	132	46	=	=	SYM
fsr-4067	132	47	408	408	NUM
fsr-4067	132	48	)	)	PUNCT
fsr-4067	132	49	,	,	PUNCT
fsr-4067	132	50	responses	response	NOUN
fsr-4067	132	51	were	be	AUX
fsr-4067	132	52	coded	code	VERB
fsr-4067	132	53	as	as	ADP
fsr-4067	132	54	“	"	PUNCT
fsr-4067	132	55	no	no	INTJ
fsr-4067	132	56	,	,	PUNCT
fsr-4067	132	57	i	i	PRON
fsr-4067	132	58	have	have	AUX
fsr-4067	132	59	not	not	PART
fsr-4067	132	60	made	make	VERB
fsr-4067	132	61	any	any	DET
fsr-4067	132	62	securities	security	NOUN
fsr-4067	132	63	purchases	purchase	NOUN
fsr-4067	132	64	on	on	ADP
fsr-4067	132	65	margin	margin	NOUN
fsr-4067	132	66	.	.	PUNCT
fsr-4067	132	67	”	"	PUNCT
fsr-4067	133	1	respondents	respondent	NOUN
fsr-4067	133	2	who	who	PRON
fsr-4067	133	3	affirmed	affirm	VERB
fsr-4067	133	4	that	that	SCONJ
fsr-4067	133	5	they	they	PRON
fsr-4067	133	6	had	have	AUX
fsr-4067	133	7	made	make	VERB
fsr-4067	133	8	purchases	purchase	NOUN
fsr-4067	133	9	on	on	ADP
fsr-4067	133	10	margin	margin	NOUN
fsr-4067	133	11	were	be	AUX
fsr-4067	133	12	coded	code	VERB
fsr-4067	133	13	as	as	ADP
fsr-4067	133	14	“	"	PUNCT
fsr-4067	133	15	yes	yes	INTJ
fsr-4067	133	16	,	,	PUNCT
fsr-4067	133	17	i	i	PRON
fsr-4067	133	18	have	have	AUX
fsr-4067	133	19	made	make	VERB
fsr-4067	133	20	securities	security	NOUN
fsr-4067	133	21	purchases	purchase	NOUN
fsr-4067	133	22	on	on	ADP
fsr-4067	133	23	margin	margin	NOUN
fsr-4067	133	24	”	"	PUNCT
fsr-4067	133	25	(	(	PUNCT
fsr-4067	133	26	n	n	NOUN
fsr-4067	133	27	=	=	NUM
fsr-4067	133	28	192	192	NUM
fsr-4067	133	29	)	)	PUNCT
fsr-4067	133	30	.	.	PUNCT
fsr-4067	134	1	the	the	DET
fsr-4067	134	2	key	key	ADJ
fsr-4067	134	3	explanatory	explanatory	ADJ
fsr-4067	134	4	variable	variable	NOUN
fsr-4067	134	5	in	in	ADP
fsr-4067	134	6	this	this	DET
fsr-4067	134	7	study	study	NOUN
fsr-4067	134	8	is	be	AUX
fsr-4067	134	9	the	the	DET
fsr-4067	134	10	influence	influence	NOUN
fsr-4067	134	11	of	of	ADP
fsr-4067	134	12	peers	peer	NOUN
fsr-4067	134	13	on	on	ADP
fsr-4067	134	14	investment	investment	NOUN
fsr-4067	134	15	behavior	behavior	NOUN
fsr-4067	134	16	.	.	PUNCT
fsr-4067	135	1	respondents	respondent	NOUN
fsr-4067	135	2	ranked	rank	VERB
fsr-4067	135	3	how	how	SCONJ
fsr-4067	135	4	well	well	ADV
fsr-4067	135	5	the	the	DET
fsr-4067	135	6	following	follow	VERB
fsr-4067	135	7	statement	statement	NOUN
fsr-4067	135	8	describes	describe	VERB
fsr-4067	135	9	why	why	SCONJ
fsr-4067	135	10	they	they	PRON
fsr-4067	135	11	invest	invest	VERB
fsr-4067	135	12	on	on	ADP
fsr-4067	135	13	a	a	DET
fsr-4067	135	14	scale	scale	NOUN
fsr-4067	135	15	of	of	ADP
fsr-4067	135	16	1	1	NUM
fsr-4067	135	17	(	(	PUNCT
fsr-4067	135	18	“	"	PUNCT
fsr-4067	135	19	does	do	AUX
fsr-4067	135	20	not	not	PART
fsr-4067	135	21	describe	describe	VERB
fsr-4067	135	22	at	at	ADV
fsr-4067	135	23	all	all	ADV
fsr-4067	135	24	”	"	PUNCT
fsr-4067	135	25	)	)	PUNCT
fsr-4067	135	26	to	to	ADP
fsr-4067	135	27	3	3	NUM
fsr-4067	135	28	(	(	PUNCT
fsr-4067	135	29	“	"	PUNCT
fsr-4067	135	30	describes	describe	VERB
fsr-4067	135	31	very	very	ADV
fsr-4067	135	32	well	well	ADV
fsr-4067	135	33	”	"	PUNCT
fsr-4067	135	34	):	):	PUNCT
fsr-4067	135	35	“	"	PUNCT
fsr-4067	135	36	my	my	PRON
fsr-4067	135	37	peers	peer	NOUN
fsr-4067	135	38	are	be	AUX
fsr-4067	135	39	doing	do	VERB
fsr-4067	135	40	it	it	PRON
fsr-4067	135	41	/	/	SYM
fsr-4067	135	42	social	social	ADJ
fsr-4067	135	43	activity	activity	NOUN
fsr-4067	135	44	/	/	SYM
fsr-4067	135	45	connecting	connect	VERB
fsr-4067	135	46	with	with	ADP
fsr-4067	135	47	others	other	NOUN
fsr-4067	135	48	.	.	PUNCT
fsr-4067	135	49	”	"	PUNCT
fsr-4067	136	1	peer	peer	NOUN
fsr-4067	136	2	influence	influence	NOUN
fsr-4067	136	3	enters	enter	VERB
fsr-4067	136	4	the	the	DET
fsr-4067	136	5	model	model	NOUN
fsr-4067	136	6	as	as	ADP
fsr-4067	136	7	a	a	DET
fsr-4067	136	8	series	series	NOUN
fsr-4067	136	9	of	of	ADP
fsr-4067	136	10	dummy	dummy	ADJ
fsr-4067	136	11	variables	variable	NOUN
fsr-4067	136	12	with	with	ADP
fsr-4067	136	13	1	1	NUM
fsr-4067	136	14	as	as	ADP
fsr-4067	136	15	the	the	DET
fsr-4067	136	16	reference	reference	NOUN
fsr-4067	136	17	category	category	NOUN
fsr-4067	136	18	.	.	PUNCT
fsr-4067	137	1	financial	financial	ADJ
fsr-4067	137	2	literacy	literacy	NOUN
fsr-4067	137	3	pertaining	pertain	VERB
fsr-4067	137	4	to	to	ADP
fsr-4067	137	5	investmentspecific	investmentspecific	ADJ
fsr-4067	137	6	knowledge	knowledge	NOUN
fsr-4067	137	7	(	(	PUNCT
fsr-4067	137	8	hereafter	hereafter	ADV
fsr-4067	137	9	,	,	PUNCT
fsr-4067	137	10	investment	investment	NOUN
fsr-4067	137	11	literacy	literacy	NOUN
fsr-4067	137	12	score	score	NOUN
fsr-4067	137	13	)	)	PUNCT
fsr-4067	137	14	is	be	AUX
fsr-4067	137	15	measured	measure	VERB
fsr-4067	137	16	by	by	ADP
fsr-4067	137	17	adding	add	VERB
fsr-4067	137	18	correct	correct	ADJ
fsr-4067	137	19	responses	response	NOUN
fsr-4067	137	20	to	to	ADP
fsr-4067	137	21	11	11	NUM
fsr-4067	137	22	items	item	NOUN
fsr-4067	137	23	(	(	PUNCT
fsr-4067	137	24	see	see	VERB
fsr-4067	137	25	appendix	appendix	NOUN
fsr-4067	137	26	for	for	ADP
fsr-4067	137	27	complete	complete	ADJ
fsr-4067	137	28	language	language	NOUN
fsr-4067	137	29	)	)	PUNCT
fsr-4067	137	30	.	.	PUNCT
fsr-4067	138	1	these	these	DET
fsr-4067	138	2	items	item	NOUN
fsr-4067	138	3	cover	cover	VERB
fsr-4067	138	4	topics	topic	NOUN
fsr-4067	138	5	such	such	ADJ
fsr-4067	138	6	as	as	ADP
fsr-4067	138	7	attributes	attribute	NOUN
fsr-4067	138	8	of	of	ADP
fsr-4067	138	9	stock	stock	NOUN
fsr-4067	138	10	/	/	SYM
fsr-4067	138	11	bond	bond	NOUN
fsr-4067	138	12	ownership	ownership	NOUN
fsr-4067	138	13	,	,	PUNCT
fsr-4067	138	14	the	the	DET
fsr-4067	138	15	risk	risk	NOUN
fsr-4067	138	16	/	/	SYM
fsr-4067	138	17	return	return	NOUN
fsr-4067	138	18	relationship	relationship	NOUN
fsr-4067	138	19	,	,	PUNCT
fsr-4067	138	20	active	active	ADJ
fsr-4067	138	21	/	/	SYM
fsr-4067	138	22	passive	passive	ADJ
fsr-4067	138	23	financial	financial	ADJ
fsr-4067	138	24	services	service	NOUN
fsr-4067	138	25	review	review	NOUN
fsr-4067	138	26	,	,	PUNCT
fsr-4067	138	27	33(2	33(2	NUM
fsr-4067	138	28	)	)	PUNCT
fsr-4067	138	29	60	60	NUM
fsr-4067	138	30	management	management	NOUN
fsr-4067	138	31	,	,	PUNCT
fsr-4067	138	32	margin	margin	NOUN
fsr-4067	138	33	,	,	PUNCT
fsr-4067	138	34	short	short	ADJ
fsr-4067	138	35	selling	selling	NOUN
fsr-4067	138	36	,	,	PUNCT
fsr-4067	138	37	and	and	CCONJ
fsr-4067	138	38	options	option	NOUN
fsr-4067	138	39	.	.	PUNCT
fsr-4067	139	1	financial	financial	ADJ
fsr-4067	139	2	literacy	literacy	NOUN
fsr-4067	139	3	is	be	AUX
fsr-4067	139	4	included	include	VERB
fsr-4067	139	5	in	in	ADP
fsr-4067	139	6	the	the	DET
fsr-4067	139	7	model	model	NOUN
fsr-4067	139	8	as	as	ADP
fsr-4067	139	9	a	a	DET
fsr-4067	139	10	continuous	continuous	ADJ
fsr-4067	139	11	variable	variable	NOUN
fsr-4067	139	12	.	.	PUNCT
fsr-4067	140	1	for	for	ADP
fsr-4067	140	2	the	the	DET
fsr-4067	140	3	variable	variable	NOUN
fsr-4067	140	4	on	on	ADP
fsr-4067	140	5	expected	expect	VERB
fsr-4067	140	6	relative	relative	ADJ
fsr-4067	140	7	portfolio	portfolio	NOUN
fsr-4067	140	8	performance	performance	NOUN
fsr-4067	140	9	,	,	PUNCT
fsr-4067	140	10	respondents	respondent	NOUN
fsr-4067	140	11	are	be	AUX
fsr-4067	140	12	asked	ask	VERB
fsr-4067	140	13	the	the	DET
fsr-4067	140	14	following	follow	VERB
fsr-4067	140	15	question	question	NOUN
fsr-4067	140	16	:	:	PUNCT
fsr-4067	140	17	“	"	PUNCT
fsr-4067	140	18	over	over	ADP
fsr-4067	140	19	the	the	DET
fsr-4067	140	20	next	next	ADJ
fsr-4067	140	21	12	12	NUM
fsr-4067	140	22	months	month	NOUN
fsr-4067	140	23	,	,	PUNCT
fsr-4067	140	24	how	how	SCONJ
fsr-4067	140	25	well	well	ADV
fsr-4067	140	26	do	do	AUX
fsr-4067	140	27	you	you	PRON
fsr-4067	140	28	expect	expect	VERB
fsr-4067	140	29	your	your	PRON
fsr-4067	140	30	portfolio	portfolio	NOUN
fsr-4067	140	31	of	of	ADP
fsr-4067	140	32	investments	investment	NOUN
fsr-4067	140	33	to	to	PART
fsr-4067	140	34	perform	perform	VERB
fsr-4067	140	35	?	?	PUNCT
fsr-4067	140	36	”	"	PUNCT
fsr-4067	141	1	responses	response	NOUN
fsr-4067	141	2	range	range	VERB
fsr-4067	141	3	from	from	ADP
fsr-4067	141	4	1	1	NUM
fsr-4067	141	5	(	(	PUNCT
fsr-4067	141	6	“	"	PUNCT
fsr-4067	141	7	worse	bad	ADJ
fsr-4067	141	8	than	than	ADP
fsr-4067	141	9	the	the	DET
fsr-4067	141	10	market	market	NOUN
fsr-4067	141	11	as	as	ADP
fsr-4067	141	12	a	a	DET
fsr-4067	141	13	whole	whole	NOUN
fsr-4067	141	14	”	"	PUNCT
fsr-4067	141	15	)	)	PUNCT
fsr-4067	141	16	to	to	ADP
fsr-4067	141	17	3	3	NUM
fsr-4067	141	18	(	(	PUNCT
fsr-4067	141	19	“	"	PUNCT
fsr-4067	141	20	better	well	ADJ
fsr-4067	141	21	than	than	ADP
fsr-4067	141	22	the	the	DET
fsr-4067	141	23	market	market	NOUN
fsr-4067	141	24	as	as	ADP
fsr-4067	141	25	a	a	DET
fsr-4067	141	26	whole	whole	NOUN
fsr-4067	141	27	”	"	PUNCT
fsr-4067	141	28	)	)	PUNCT
fsr-4067	141	29	.	.	PUNCT
fsr-4067	142	1	expected	expect	VERB
fsr-4067	142	2	relative	relative	ADJ
fsr-4067	142	3	portfolio	portfolio	NOUN
fsr-4067	142	4	performance	performance	NOUN
fsr-4067	142	5	enters	enter	VERB
fsr-4067	142	6	the	the	DET
fsr-4067	142	7	model	model	NOUN
fsr-4067	142	8	as	as	ADP
fsr-4067	142	9	a	a	DET
fsr-4067	142	10	series	series	NOUN
fsr-4067	142	11	of	of	ADP
fsr-4067	142	12	dummy	dummy	ADJ
fsr-4067	142	13	variables	variable	NOUN
fsr-4067	142	14	with	with	ADP
fsr-4067	142	15	1	1	NUM
fsr-4067	142	16	as	as	ADP
fsr-4067	142	17	the	the	DET
fsr-4067	142	18	reference	reference	NOUN
fsr-4067	142	19	category	category	NOUN
fsr-4067	142	20	.	.	PUNCT
fsr-4067	143	1	to	to	PART
fsr-4067	143	2	represent	represent	VERB
fsr-4067	143	3	the	the	DET
fsr-4067	143	4	nature	nature	NOUN
fsr-4067	143	5	of	of	ADP
fsr-4067	143	6	margin	margin	NOUN
fsr-4067	143	7	being	be	AUX
fsr-4067	143	8	at	at	ADV
fsr-4067	143	9	least	least	ADJ
fsr-4067	143	10	partially	partially	ADV
fsr-4067	143	11	a	a	DET
fsr-4067	143	12	debt	debt	NOUN
fsr-4067	143	13	decision	decision	NOUN
fsr-4067	143	14	,	,	PUNCT
fsr-4067	143	15	and	and	CCONJ
fsr-4067	143	16	to	to	PART
fsr-4067	143	17	explore	explore	VERB
fsr-4067	143	18	how	how	SCONJ
fsr-4067	143	19	an	an	DET
fsr-4067	143	20	individual	individual	NOUN
fsr-4067	143	21	’s	’s	PART
fsr-4067	143	22	perception	perception	NOUN
fsr-4067	143	23	of	of	ADP
fsr-4067	143	24	their	their	PRON
fsr-4067	143	25	debt	debt	NOUN
fsr-4067	143	26	might	might	AUX
fsr-4067	143	27	influence	influence	VERB
fsr-4067	143	28	ongoing	ongoing	ADJ
fsr-4067	143	29	debt	debt	NOUN
fsr-4067	143	30	decisions	decision	NOUN
fsr-4067	143	31	,	,	PUNCT
fsr-4067	143	32	overindebtedness	overindebtedness	NOUN
fsr-4067	143	33	is	be	AUX
fsr-4067	143	34	included	include	VERB
fsr-4067	143	35	in	in	ADP
fsr-4067	143	36	the	the	DET
fsr-4067	143	37	model	model	NOUN
fsr-4067	143	38	for	for	ADP
fsr-4067	143	39	margin	margin	NOUN
fsr-4067	143	40	use	use	NOUN
fsr-4067	143	41	.	.	PUNCT
fsr-4067	144	1	responses	response	NOUN
fsr-4067	144	2	to	to	ADP
fsr-4067	144	3	the	the	DET
fsr-4067	144	4	statement	statement	NOUN
fsr-4067	144	5	“	"	PUNCT
fsr-4067	144	6	i	i	PRON
fsr-4067	144	7	have	have	AUX
fsr-4067	144	8	too	too	ADV
fsr-4067	144	9	much	much	ADJ
fsr-4067	144	10	debt	debt	NOUN
fsr-4067	144	11	right	right	ADV
fsr-4067	144	12	now	now	ADV
fsr-4067	144	13	”	"	PUNCT
fsr-4067	144	14	range	range	NOUN
fsr-4067	144	15	from	from	ADP
fsr-4067	144	16	1	1	NUM
fsr-4067	144	17	(	(	PUNCT
fsr-4067	144	18	“	"	PUNCT
fsr-4067	144	19	strongly	strongly	ADV
fsr-4067	144	20	disagree	disagree	VERB
fsr-4067	144	21	”	"	PUNCT
fsr-4067	144	22	)	)	PUNCT
fsr-4067	144	23	to	to	ADP
fsr-4067	144	24	7	7	NUM
fsr-4067	144	25	(	(	PUNCT
fsr-4067	144	26	“	"	PUNCT
fsr-4067	144	27	strongly	strongly	ADV
fsr-4067	144	28	agree	agree	VERB
fsr-4067	144	29	”	"	PUNCT
fsr-4067	144	30	)	)	PUNCT
fsr-4067	144	31	with	with	ADP
fsr-4067	144	32	1	1	NUM
fsr-4067	144	33	as	as	ADP
fsr-4067	144	34	the	the	DET
fsr-4067	144	35	reference	reference	NOUN
fsr-4067	144	36	category	category	NOUN
fsr-4067	144	37	.	.	PUNCT
fsr-4067	145	1	other	other	ADJ
fsr-4067	145	2	explanatory	explanatory	ADJ
fsr-4067	145	3	variables	variable	NOUN
fsr-4067	145	4	include	include	VERB
fsr-4067	145	5	willingness	willingness	NOUN
fsr-4067	145	6	to	to	PART
fsr-4067	145	7	take	take	VERB
fsr-4067	145	8	risks	risk	NOUN
fsr-4067	145	9	(	(	PUNCT
fsr-4067	145	10	on	on	ADP
fsr-4067	145	11	a	a	DET
fsr-4067	145	12	scale	scale	NOUN
fsr-4067	145	13	of	of	ADP
fsr-4067	145	14	1	1	NUM
fsr-4067	145	15	to	to	PART
fsr-4067	145	16	5	5	NUM
fsr-4067	145	17	with	with	ADP
fsr-4067	145	18	5/5	5/5	NUM
fsr-4067	145	19	being	be	AUX
fsr-4067	145	20	“	"	PUNCT
fsr-4067	145	21	very	very	ADV
fsr-4067	145	22	willing	willing	ADJ
fsr-4067	145	23	”	"	PUNCT
fsr-4067	145	24	and	and	CCONJ
fsr-4067	145	25	1/5	1/5	NUM
fsr-4067	145	26	as	as	ADP
fsr-4067	145	27	the	the	DET
fsr-4067	145	28	reference	reference	NOUN
fsr-4067	145	29	category	category	NOUN
fsr-4067	145	30	)	)	PUNCT
fsr-4067	145	31	and	and	CCONJ
fsr-4067	145	32	non	non	ADJ
fsr-4067	145	33	-	-	ADJ
fsr-4067	145	34	retirement	retirement	ADJ
fsr-4067	145	35	account	account	NOUN
fsr-4067	145	36	value	value	NOUN
fsr-4067	145	37	(	(	PUNCT
fsr-4067	145	38	including	include	VERB
fsr-4067	145	39	10	10	NUM
fsr-4067	145	40	categories	category	NOUN
fsr-4067	145	41	ranging	range	VERB
fsr-4067	145	42	from	from	ADP
fsr-4067	145	43	“	"	PUNCT
fsr-4067	145	44	less	less	ADJ
fsr-4067	145	45	than	than	ADP
fsr-4067	145	46	$	$	SYM
fsr-4067	145	47	2,000	2,000	NUM
fsr-4067	145	48	”	"	PUNCT
fsr-4067	145	49	to	to	ADP
fsr-4067	145	50	“	"	PUNCT
fsr-4067	145	51	$	$	SYM
fsr-4067	145	52	1,000,000	1,000,000	NUM
fsr-4067	145	53	or	or	CCONJ
fsr-4067	145	54	more	more	ADJ
fsr-4067	145	55	”	"	PUNCT
fsr-4067	145	56	with	with	ADP
fsr-4067	145	57	“	"	PUNCT
fsr-4067	145	58	less	less	ADJ
fsr-4067	145	59	than	than	ADP
fsr-4067	145	60	$	$	SYM
fsr-4067	145	61	2,000	2,000	NUM
fsr-4067	145	62	”	"	PUNCT
fsr-4067	145	63	as	as	ADP
fsr-4067	145	64	the	the	DET
fsr-4067	145	65	reference	reference	NOUN
fsr-4067	145	66	category	category	NOUN
fsr-4067	145	67	)	)	PUNCT
fsr-4067	145	68	.	.	PUNCT
fsr-4067	146	1	gender	gender	NOUN
fsr-4067	146	2	,	,	PUNCT
fsr-4067	146	3	age	age	NOUN
fsr-4067	146	4	,	,	PUNCT
fsr-4067	146	5	race	race	NOUN
fsr-4067	146	6	/	/	SYM
fsr-4067	146	7	ethnicity	ethnicity	NOUN
fsr-4067	146	8	,	,	PUNCT
fsr-4067	146	9	and	and	CCONJ
fsr-4067	146	10	marital	marital	ADJ
fsr-4067	146	11	status	status	NOUN
fsr-4067	146	12	are	be	AUX
fsr-4067	146	13	also	also	ADV
fsr-4067	146	14	included	include	VERB
fsr-4067	146	15	in	in	ADP
fsr-4067	146	16	the	the	DET
fsr-4067	146	17	model	model	NOUN
fsr-4067	146	18	.	.	PUNCT
fsr-4067	147	1	gender	gender	NOUN
fsr-4067	147	2	is	be	AUX
fsr-4067	147	3	stated	state	VERB
fsr-4067	147	4	as	as	ADP
fsr-4067	147	5	a	a	DET
fsr-4067	147	6	dichotomous	dichotomous	ADJ
fsr-4067	147	7	variable	variable	NOUN
fsr-4067	147	8	with	with	ADP
fsr-4067	147	9	male	male	NOUN
fsr-4067	147	10	as	as	ADP
fsr-4067	147	11	the	the	DET
fsr-4067	147	12	reference	reference	NOUN
fsr-4067	147	13	category	category	NOUN
fsr-4067	147	14	.	.	PUNCT
fsr-4067	148	1	age	age	NOUN
fsr-4067	148	2	enters	enter	VERB
fsr-4067	148	3	the	the	DET
fsr-4067	148	4	model	model	NOUN
fsr-4067	148	5	as	as	ADP
fsr-4067	148	6	a	a	DET
fsr-4067	148	7	continuous	continuous	ADJ
fsr-4067	148	8	variable	variable	NOUN
fsr-4067	148	9	ranging	range	VERB
fsr-4067	148	10	from	from	ADP
fsr-4067	148	11	18	18	NUM
fsr-4067	148	12	to	to	ADP
fsr-4067	148	13	92	92	NUM
fsr-4067	148	14	.	.	PUNCT
fsr-4067	149	1	race	race	NOUN
fsr-4067	149	2	/	/	SYM
fsr-4067	149	3	ethnicity	ethnicity	NOUN
fsr-4067	149	4	is	be	AUX
fsr-4067	149	5	reported	report	VERB
fsr-4067	149	6	as	as	ADP
fsr-4067	149	7	“	"	PUNCT
fsr-4067	149	8	white	white	ADJ
fsr-4067	149	9	non	non	ADJ
fsr-4067	149	10	-	-	ADJ
fsr-4067	149	11	hispanic	hispanic	ADJ
fsr-4067	149	12	,	,	PUNCT
fsr-4067	149	13	”	"	PUNCT
fsr-4067	149	14	“	"	PUNCT
fsr-4067	149	15	black	black	ADJ
fsr-4067	149	16	nonhispanic	nonhispanic	ADJ
fsr-4067	149	17	,	,	PUNCT
fsr-4067	149	18	”	"	PUNCT
fsr-4067	149	19	“	"	PUNCT
fsr-4067	149	20	hispanic	hispanic	ADJ
fsr-4067	149	21	(	(	PUNCT
fsr-4067	149	22	alone	alone	ADV
fsr-4067	149	23	or	or	CCONJ
fsr-4067	149	24	in	in	ADP
fsr-4067	149	25	combination	combination	NOUN
fsr-4067	149	26	)	)	PUNCT
fsr-4067	149	27	,	,	PUNCT
fsr-4067	149	28	”	"	PUNCT
fsr-4067	149	29	“	"	PUNCT
fsr-4067	149	30	asian	asian	ADJ
fsr-4067	149	31	/	/	SYM
fsr-4067	149	32	pacific	pacific	PROPN
fsr-4067	149	33	islander	islander	PROPN
fsr-4067	149	34	non	non	ADJ
fsr-4067	149	35	-	-	ADJ
fsr-4067	149	36	hispanic	hispanic	ADJ
fsr-4067	149	37	,	,	PUNCT
fsr-4067	149	38	”	"	PUNCT
fsr-4067	149	39	and	and	CCONJ
fsr-4067	149	40	“	"	PUNCT
fsr-4067	149	41	other	other	ADJ
fsr-4067	149	42	non	non	ADJ
fsr-4067	149	43	-	-	ADJ
fsr-4067	149	44	hispanic	hispanic	ADJ
fsr-4067	149	45	(	(	PUNCT
fsr-4067	149	46	american	american	PROPN
fsr-4067	149	47	indian	indian	PROPN
fsr-4067	149	48	,	,	PUNCT
fsr-4067	149	49	other	other	ADJ
fsr-4067	149	50	,	,	PUNCT
fsr-4067	149	51	2	2	NUM
fsr-4067	149	52	+	+	NUM
fsr-4067	149	53	ethnicities	ethnicity	NOUN
fsr-4067	149	54	)	)	PUNCT
fsr-4067	149	55	”	"	PUNCT
fsr-4067	149	56	and	and	CCONJ
fsr-4067	149	57	“	"	PUNCT
fsr-4067	149	58	white	white	ADJ
fsr-4067	149	59	non	non	ADJ
fsr-4067	149	60	-	-	ADJ
fsr-4067	149	61	hispanic	hispanic	ADJ
fsr-4067	149	62	”	"	PUNCT
fsr-4067	149	63	is	be	AUX
fsr-4067	149	64	the	the	DET
fsr-4067	149	65	reference	reference	NOUN
fsr-4067	149	66	category	category	NOUN
fsr-4067	149	67	.	.	PUNCT
fsr-4067	150	1	finally	finally	ADV
fsr-4067	150	2	,	,	PUNCT
fsr-4067	150	3	marital	marital	ADJ
fsr-4067	150	4	status	status	NOUN
fsr-4067	150	5	is	be	AUX
fsr-4067	150	6	organized	organize	VERB
fsr-4067	150	7	into	into	ADP
fsr-4067	150	8	the	the	DET
fsr-4067	150	9	following	follow	VERB
fsr-4067	150	10	four	four	NUM
fsr-4067	150	11	categories	category	NOUN
fsr-4067	150	12	:	:	PUNCT
fsr-4067	150	13	“	"	PUNCT
fsr-4067	150	14	single	single	ADJ
fsr-4067	150	15	,	,	PUNCT
fsr-4067	150	16	”	"	PUNCT
fsr-4067	150	17	“	"	PUNCT
fsr-4067	150	18	married	married	ADJ
fsr-4067	150	19	,	,	PUNCT
fsr-4067	150	20	”	"	PUNCT
fsr-4067	150	21	“	"	PUNCT
fsr-4067	150	22	divorced	divorce	VERB
fsr-4067	150	23	/	/	SYM
fsr-4067	150	24	separated	separate	VERB
fsr-4067	150	25	,	,	PUNCT
fsr-4067	150	26	”	"	PUNCT
fsr-4067	150	27	and	and	CCONJ
fsr-4067	150	28	“	"	PUNCT
fsr-4067	150	29	widowed	widow	VERB
fsr-4067	150	30	”	"	PUNCT
fsr-4067	150	31	with	with	ADP
fsr-4067	150	32	“	"	PUNCT
fsr-4067	150	33	single	single	ADJ
fsr-4067	150	34	”	"	PUNCT
fsr-4067	150	35	being	be	AUX
fsr-4067	150	36	the	the	DET
fsr-4067	150	37	reference	reference	NOUN
fsr-4067	150	38	category	category	NOUN
fsr-4067	150	39	.	.	PUNCT
fsr-4067	151	1	data	datum	NOUN
fsr-4067	151	2	analysis	analysis	NOUN
fsr-4067	151	3	this	this	DET
fsr-4067	151	4	paper	paper	NOUN
fsr-4067	151	5	estimates	estimate	VERB
fsr-4067	151	6	the	the	DET
fsr-4067	151	7	following	follow	VERB
fsr-4067	151	8	probit	probit	NOUN
fsr-4067	151	9	model	model	NOUN
fsr-4067	151	10	:	:	PUNCT
fsr-4067	151	11	yi	yi	PROPN
fsr-4067	151	12	*	*	PUNCT
fsr-4067	152	1	=	=	PUNCT
fsr-4067	152	2	β0	β0	PROPN
fsr-4067	152	3	+	+	CCONJ
fsr-4067	152	4	β	β	X
fsr-4067	152	5	xi	xi	X
fsr-4067	153	1	+	+	CCONJ
fsr-4067	153	2	ε	ε	PROPN
fsr-4067	153	3	(	(	PUNCT
fsr-4067	153	4	1	1	NUM
fsr-4067	153	5	)	)	PUNCT
fsr-4067	153	6	yi	yi	NOUN
fsr-4067	153	7	=	=	NOUN
fsr-4067	153	8	1	1	NUM
fsr-4067	153	9	if	if	SCONJ
fsr-4067	153	10	yi	yi	PROPN
fsr-4067	153	11	*	*	PUNCT
fsr-4067	153	12	>	>	X
fsr-4067	153	13	0	0	PUNCT
fsr-4067	154	1	(	(	PUNCT
fsr-4067	154	2	buy	buy	VERB
fsr-4067	154	3	on	on	ADP
fsr-4067	154	4	margin	margin	NOUN
fsr-4067	154	5	)	)	PUNCT
fsr-4067	154	6	(	(	PUNCT
fsr-4067	154	7	2	2	X
fsr-4067	154	8	)	)	PUNCT
fsr-4067	154	9	yi	yi	NOUN
fsr-4067	155	1	=	=	NOUN
fsr-4067	155	2	0	0	PUNCT
fsr-4067	156	1	if	if	SCONJ
fsr-4067	156	2	yi	yi	PROPN
fsr-4067	156	3	*	*	PUNCT
fsr-4067	156	4	≤	≤	X
fsr-4067	156	5	(	(	PUNCT
fsr-4067	156	6	no	no	DET
fsr-4067	156	7	buy	buy	NOUN
fsr-4067	156	8	on	on	ADP
fsr-4067	156	9	margin	margin	NOUN
fsr-4067	156	10	)	)	PUNCT
fsr-4067	156	11	(	(	PUNCT
fsr-4067	156	12	3	3	X
fsr-4067	156	13	)	)	PUNCT
fsr-4067	156	14	where	where	SCONJ
fsr-4067	156	15	yi	yi	NOUN
fsr-4067	156	16	*	*	PROPN
fsr-4067	156	17	is	be	AUX
fsr-4067	156	18	a	a	DET
fsr-4067	156	19	latent	latent	ADJ
fsr-4067	156	20	measure	measure	NOUN
fsr-4067	156	21	of	of	ADP
fsr-4067	156	22	the	the	DET
fsr-4067	156	23	decision	decision	NOUN
fsr-4067	156	24	of	of	ADP
fsr-4067	156	25	an	an	DET
fsr-4067	156	26	individual	individual	ADJ
fsr-4067	156	27	i	i	PRON
fsr-4067	156	28	to	to	PART
fsr-4067	156	29	make	make	VERB
fsr-4067	156	30	purchases	purchase	NOUN
fsr-4067	156	31	on	on	ADP
fsr-4067	156	32	margin	margin	NOUN
fsr-4067	156	33	.	.	PUNCT
fsr-4067	157	1	yi	yi	PROPN
fsr-4067	157	2	is	be	AUX
fsr-4067	157	3	the	the	DET
fsr-4067	157	4	observed	observe	VERB
fsr-4067	157	5	dependent	dependent	ADJ
fsr-4067	157	6	variable	variable	NOUN
fsr-4067	157	7	(	(	PUNCT
fsr-4067	157	8	the	the	DET
fsr-4067	157	9	decision	decision	NOUN
fsr-4067	157	10	to	to	PART
fsr-4067	157	11	make	make	VERB
fsr-4067	157	12	purchases	purchase	NOUN
fsr-4067	157	13	on	on	ADP
fsr-4067	157	14	margin	margin	NOUN
fsr-4067	157	15	)	)	PUNCT
fsr-4067	157	16	of	of	ADP
fsr-4067	157	17	an	an	DET
fsr-4067	157	18	individual	individual	ADJ
fsr-4067	157	19	i.	i.	NOUN
fsr-4067	157	20	𝛽0	𝛽0	PROPN
fsr-4067	157	21	is	be	AUX
fsr-4067	157	22	the	the	DET
fsr-4067	157	23	intercept	intercept	NOUN
fsr-4067	157	24	,	,	PUNCT
fsr-4067	157	25	while	while	SCONJ
fsr-4067	157	26	𝛽	𝛽	NOUN
fsr-4067	157	27	is	be	AUX
fsr-4067	157	28	a	a	DET
fsr-4067	157	29	vector	vector	NOUN
fsr-4067	157	30	of	of	ADP
fsr-4067	157	31	coefficients	coefficient	NOUN
fsr-4067	157	32	showing	show	VERB
fsr-4067	157	33	the	the	DET
fsr-4067	157	34	association	association	NOUN
fsr-4067	157	35	of	of	ADP
fsr-4067	157	36	the	the	DET
fsr-4067	157	37	independent	independent	ADJ
fsr-4067	157	38	variables	variable	NOUN
fsr-4067	157	39	with	with	ADP
fsr-4067	157	40	the	the	DET
fsr-4067	157	41	latent	latent	NOUN
fsr-4067	157	42	variable	variable	NOUN
fsr-4067	157	43	.	.	PUNCT
fsr-4067	158	1	xi	xi	PROPN
fsr-4067	158	2	is	be	AUX
fsr-4067	158	3	a	a	DET
fsr-4067	158	4	matrix	matrix	NOUN
fsr-4067	158	5	that	that	PRON
fsr-4067	158	6	consists	consist	VERB
fsr-4067	158	7	of	of	ADP
fsr-4067	158	8	predictor	predictor	NOUN
fsr-4067	158	9	variables	variable	NOUN
fsr-4067	158	10	,	,	PUNCT
fsr-4067	158	11	including	include	VERB
fsr-4067	158	12	peer	peer	NOUN
fsr-4067	158	13	influence	influence	NOUN
fsr-4067	158	14	,	,	PUNCT
fsr-4067	158	15	investment	investment	NOUN
fsr-4067	158	16	literacy	literacy	NOUN
fsr-4067	158	17	score	score	NOUN
fsr-4067	158	18	,	,	PUNCT
fsr-4067	158	19	expected	expect	VERB
fsr-4067	158	20	relative	relative	ADJ
fsr-4067	158	21	portfolio	portfolio	NOUN
fsr-4067	158	22	performance	performance	NOUN
fsr-4067	158	23	,	,	PUNCT
fsr-4067	158	24	having	have	VERB
fsr-4067	158	25	too	too	ADV
fsr-4067	158	26	much	much	ADJ
fsr-4067	158	27	debt	debt	NOUN
fsr-4067	158	28	,	,	PUNCT
fsr-4067	158	29	willingness	willingness	NOUN
fsr-4067	158	30	to	to	PART
fsr-4067	158	31	take	take	VERB
fsr-4067	158	32	risk	risk	NOUN
fsr-4067	158	33	,	,	PUNCT
fsr-4067	158	34	value	value	NOUN
fsr-4067	158	35	of	of	ADP
fsr-4067	158	36	non	non	ADJ
fsr-4067	158	37	-	-	ADJ
fsr-4067	158	38	retirement	retirement	ADJ
fsr-4067	158	39	accounts	account	NOUN
fsr-4067	158	40	,	,	PUNCT
fsr-4067	158	41	gender	gender	NOUN
fsr-4067	158	42	,	,	PUNCT
fsr-4067	158	43	age	age	NOUN
fsr-4067	158	44	,	,	PUNCT
fsr-4067	158	45	race	race	NOUN
fsr-4067	158	46	,	,	PUNCT
fsr-4067	158	47	and	and	CCONJ
fsr-4067	158	48	marital	marital	ADJ
fsr-4067	158	49	status	status	NOUN
fsr-4067	158	50	.	.	PUNCT
fsr-4067	159	1	𝜀	𝜀	PROPN
fsr-4067	159	2	is	be	AUX
fsr-4067	159	3	the	the	DET
fsr-4067	159	4	error	error	NOUN
fsr-4067	159	5	term	term	NOUN
fsr-4067	159	6	,	,	PUNCT
fsr-4067	159	7	which	which	PRON
fsr-4067	159	8	is	be	AUX
fsr-4067	159	9	assumed	assume	VERB
fsr-4067	159	10	to	to	PART
fsr-4067	159	11	follow	follow	VERB
fsr-4067	159	12	a	a	DET
fsr-4067	159	13	normal	normal	ADJ
fsr-4067	159	14	distribution	distribution	NOUN
fsr-4067	159	15	.	.	PUNCT
fsr-4067	160	1	sanders	sanders	PROPN
fsr-4067	160	2	&	&	CCONJ
fsr-4067	160	3	olajide	olajide	VERB
fsr-4067	160	4	61	61	NUM
fsr-4067	160	5	table	table	NOUN
fsr-4067	160	6	1	1	NUM
fsr-4067	160	7	.	.	PUNCT
fsr-4067	160	8	descriptive	descriptive	ADJ
fsr-4067	160	9	statistics	statistic	NOUN
fsr-4067	160	10	buy	buy	VERB
fsr-4067	160	11	on	on	ADP
fsr-4067	160	12	margin	margin	NOUN
fsr-4067	160	13	?	?	PUNCT
fsr-4067	161	1	overall	overall	ADJ
fsr-4067	161	2	sample	sample	NOUN
fsr-4067	162	1	yes	yes	INTJ
fsr-4067	163	1	no	no	INTJ
fsr-4067	163	2	mean	mean	VERB
fsr-4067	163	3	/	/	PUNCT
fsr-4067	163	4	(	(	PUNCT
fsr-4067	163	5	std	std	PROPN
fsr-4067	163	6	.	.	PUNCT
fsr-4067	164	1	err	err	PROPN
fsr-4067	164	2	.	.	PUNCT
fsr-4067	164	3	)	)	PUNCT
fsr-4067	165	1	mean	mean	INTJ
fsr-4067	165	2	/	/	SYM
fsr-4067	165	3	(	(	PUNCT
fsr-4067	165	4	std	std	PROPN
fsr-4067	165	5	.	.	PUNCT
fsr-4067	166	1	err	err	PROPN
fsr-4067	166	2	.	.	PUNCT
fsr-4067	166	3	)	)	PUNCT
fsr-4067	167	1	mean	mean	INTJ
fsr-4067	167	2	/	/	SYM
fsr-4067	167	3	(	(	PUNCT
fsr-4067	167	4	std	std	PROPN
fsr-4067	167	5	.	.	PUNCT
fsr-4067	168	1	err	err	PROPN
fsr-4067	168	2	.	.	PUNCT
fsr-4067	168	3	)	)	PUNCT
fsr-4067	168	4	buy	buy	VERB
fsr-4067	168	5	on	on	ADP
fsr-4067	168	6	margin	margin	NOUN
fsr-4067	168	7	yes	yes	INTJ
fsr-4067	168	8	0.094	0.094	NUM
fsr-4067	168	9	(	(	PUNCT
fsr-4067	168	10	0.008	0.008	NUM
fsr-4067	168	11	)	)	PUNCT
fsr-4067	168	12	no	no	DET
fsr-4067	168	13	0.906	0.906	NUM
fsr-4067	168	14	(	(	PUNCT
fsr-4067	168	15	0.008	0.008	NUM
fsr-4067	168	16	)	)	PUNCT
fsr-4067	169	1	why	why	SCONJ
fsr-4067	169	2	invest	inv	ADJ
fsr-4067	169	3	:	:	PUNCT
fsr-4067	169	4	peer	peer	NOUN
fsr-4067	169	5	influence	influence	NOUN
fsr-4067	169	6	not	not	PART
fsr-4067	169	7	at	at	ADV
fsr-4067	169	8	all	all	ADV
fsr-4067	169	9	0.760	0.760	NUM
fsr-4067	169	10	0.292	0.292	NUM
fsr-4067	169	11	0.809	0.809	NUM
fsr-4067	169	12	(	(	PUNCT
fsr-4067	169	13	0.011	0.011	NUM
fsr-4067	169	14	)	)	PUNCT
fsr-4067	169	15	(	(	PUNCT
fsr-4067	169	16	0.040	0.040	NUM
fsr-4067	169	17	)	)	PUNCT
fsr-4067	169	18	(	(	PUNCT
fsr-4067	169	19	0.010	0.010	NUM
fsr-4067	169	20	)	)	PUNCT
fsr-4067	169	21	somewhat	somewhat	ADV
fsr-4067	169	22	0.161	0.161	NUM
fsr-4067	169	23	0.369	0.369	NUM
fsr-4067	169	24	0.139	0.139	NUM
fsr-4067	169	25	(	(	PUNCT
fsr-4067	169	26	0.009	0.009	NUM
fsr-4067	169	27	)	)	PUNCT
fsr-4067	169	28	(	(	PUNCT
fsr-4067	169	29	0.043	0.043	NUM
fsr-4067	169	30	)	)	PUNCT
fsr-4067	169	31	(	(	PUNCT
fsr-4067	169	32	0.009	0.009	NUM
fsr-4067	169	33	)	)	PUNCT
fsr-4067	169	34	very	very	ADV
fsr-4067	169	35	well	well	ADV
fsr-4067	169	36	0.079	0.079	NUM
fsr-4067	169	37	0.339	0.339	NUM
fsr-4067	169	38	0.052	0.052	NUM
fsr-4067	169	39	(	(	PUNCT
fsr-4067	169	40	0.007	0.007	NUM
fsr-4067	169	41	)	)	PUNCT
fsr-4067	169	42	(	(	PUNCT
fsr-4067	169	43	0.039	0.039	NUM
fsr-4067	169	44	)	)	PUNCT
fsr-4067	169	45	(	(	PUNCT
fsr-4067	169	46	0.006	0.006	NUM
fsr-4067	169	47	)	)	PUNCT
fsr-4067	169	48	investment	investment	NOUN
fsr-4067	169	49	literacy	literacy	NOUN
fsr-4067	169	50	score	score	VERB
fsr-4067	169	51	5.386	5.386	NUM
fsr-4067	169	52	4.992	4.992	NUM
fsr-4067	169	53	5.375	5.375	NUM
fsr-4067	169	54	(	(	PUNCT
fsr-4067	169	55	0.059	0.059	NUM
fsr-4067	169	56	)	)	PUNCT
fsr-4067	169	57	(	(	PUNCT
fsr-4067	169	58	0.233	0.233	NUM
fsr-4067	169	59	)	)	PUNCT
fsr-4067	169	60	(	(	PUNCT
fsr-4067	169	61	0.065	0.065	NUM
fsr-4067	169	62	)	)	PUNCT
fsr-4067	169	63	expected	expect	VERB
fsr-4067	169	64	relative	relative	ADJ
fsr-4067	169	65	portfolio	portfolio	NOUN
fsr-4067	169	66	return	return	VERB
fsr-4067	169	67	worse	bad	ADJ
fsr-4067	169	68	than	than	ADP
fsr-4067	169	69	market	market	NOUN
fsr-4067	169	70	0.045	0.045	NUM
fsr-4067	169	71	0.044	0.044	NUM
fsr-4067	169	72	0.045	0.045	NUM
fsr-4067	169	73	(	(	PUNCT
fsr-4067	169	74	0.005	0.005	NUM
fsr-4067	169	75	)	)	PUNCT
fsr-4067	169	76	(	(	PUNCT
fsr-4067	169	77	0.015	0.015	NUM
fsr-4067	169	78	)	)	PUNCT
fsr-4067	169	79	(	(	PUNCT
fsr-4067	169	80	0.005	0.005	NUM
fsr-4067	169	81	)	)	PUNCT
fsr-4067	169	82	same	same	ADJ
fsr-4067	169	83	as	as	ADP
fsr-4067	169	84	market	market	NOUN
fsr-4067	169	85	0.672	0.672	NUM
fsr-4067	169	86	0.426	0.426	NUM
fsr-4067	169	87	0.698	0.698	NUM
fsr-4067	169	88	(	(	PUNCT
fsr-4067	169	89	0.012	0.012	NUM
fsr-4067	169	90	)	)	PUNCT
fsr-4067	169	91	(	(	PUNCT
fsr-4067	169	92	0.044	0.044	NUM
fsr-4067	169	93	)	)	PUNCT
fsr-4067	169	94	(	(	PUNCT
fsr-4067	169	95	0.012	0.012	NUM
fsr-4067	169	96	)	)	PUNCT
fsr-4067	169	97	better	well	ADJ
fsr-4067	169	98	than	than	ADP
fsr-4067	169	99	market	market	NOUN
fsr-4067	169	100	0.282	0.282	NUM
fsr-4067	169	101	0.530	0.530	NUM
fsr-4067	169	102	0.257	0.257	NUM
fsr-4067	169	103	(	(	PUNCT
fsr-4067	169	104	0.011	0.011	NUM
fsr-4067	169	105	)	)	PUNCT
fsr-4067	169	106	(	(	PUNCT
fsr-4067	169	107	0.044	0.044	NUM
fsr-4067	169	108	)	)	PUNCT
fsr-4067	169	109	(	(	PUNCT
fsr-4067	169	110	0.011	0.011	NUM
fsr-4067	169	111	)	)	PUNCT
fsr-4067	169	112	i	i	PRON
fsr-4067	169	113	have	have	VERB
fsr-4067	169	114	too	too	ADV
fsr-4067	169	115	much	much	ADJ
fsr-4067	169	116	debt	debt	NOUN
fsr-4067	169	117	right	right	ADV
fsr-4067	169	118	now	now	ADV
fsr-4067	169	119	1	1	NUM
fsr-4067	169	120	(	(	PUNCT
fsr-4067	169	121	strongly	strongly	ADV
fsr-4067	169	122	disagree	disagree	VERB
fsr-4067	169	123	)	)	PUNCT
fsr-4067	169	124	0.562	0.562	NUM
fsr-4067	169	125	0.312	0.312	NUM
fsr-4067	169	126	0.588	0.588	NUM
fsr-4067	169	127	(	(	PUNCT
fsr-4067	169	128	0.012	0.012	NUM
fsr-4067	169	129	)	)	PUNCT
fsr-4067	169	130	(	(	PUNCT
fsr-4067	169	131	0.039	0.039	NUM
fsr-4067	169	132	)	)	PUNCT
fsr-4067	169	133	(	(	PUNCT
fsr-4067	169	134	0.013	0.013	NUM
fsr-4067	169	135	)	)	PUNCT
fsr-4067	169	136	2	2	NUM
fsr-4067	169	137	0.109	0.109	NUM
fsr-4067	169	138	0.088	0.088	NUM
fsr-4067	169	139	0.111	0.111	NUM
fsr-4067	169	140	(	(	PUNCT
fsr-4067	169	141	0.008	0.008	NUM
fsr-4067	169	142	)	)	PUNCT
fsr-4067	169	143	(	(	PUNCT
fsr-4067	169	144	0.031	0.031	NUM
fsr-4067	169	145	)	)	PUNCT
fsr-4067	169	146	(	(	PUNCT
fsr-4067	169	147	0.008	0.008	NUM
fsr-4067	169	148	)	)	PUNCT
fsr-4067	169	149	3	3	NUM
fsr-4067	169	150	0.065	0.065	NUM
fsr-4067	169	151	0.072	0.072	NUM
fsr-4067	169	152	0.064	0.064	NUM
fsr-4067	169	153	(	(	PUNCT
fsr-4067	169	154	0.006	0.006	NUM
fsr-4067	169	155	)	)	PUNCT
fsr-4067	169	156	(	(	PUNCT
fsr-4067	169	157	0.023	0.023	NUM
fsr-4067	169	158	)	)	PUNCT
fsr-4067	169	159	(	(	PUNCT
fsr-4067	169	160	0.007	0.007	NUM
fsr-4067	169	161	)	)	PUNCT
fsr-4067	169	162	4	4	NUM
fsr-4067	169	163	0.093	0.093	NUM
fsr-4067	169	164	0.125	0.125	NUM
fsr-4067	169	165	0.090	0.090	NUM
fsr-4067	169	166	(	(	PUNCT
fsr-4067	169	167	0.008	0.008	NUM
fsr-4067	169	168	)	)	PUNCT
fsr-4067	169	169	(	(	PUNCT
fsr-4067	169	170	0.033	0.033	NUM
fsr-4067	169	171	)	)	PUNCT
fsr-4067	169	172	(	(	PUNCT
fsr-4067	169	173	0.008	0.008	NUM
fsr-4067	169	174	)	)	PUNCT
fsr-4067	169	175	5	5	NUM
fsr-4067	169	176	0.068	0.068	NUM
fsr-4067	169	177	0.057	0.057	NUM
fsr-4067	169	178	0.069	0.069	NUM
fsr-4067	169	179	(	(	PUNCT
fsr-4067	169	180	0.006	0.006	NUM
fsr-4067	169	181	)	)	PUNCT
fsr-4067	169	182	(	(	PUNCT
fsr-4067	169	183	0.018	0.018	NUM
fsr-4067	169	184	)	)	PUNCT
fsr-4067	169	185	(	(	PUNCT
fsr-4067	169	186	0.007	0.007	NUM
fsr-4067	169	187	)	)	PUNCT
fsr-4067	169	188	6	6	NUM
fsr-4067	169	189	0.029	0.029	NUM
fsr-4067	169	190	0.074	0.074	NUM
fsr-4067	169	191	0.024	0.024	NUM
fsr-4067	169	192	(	(	PUNCT
fsr-4067	169	193	0.004	0.004	NUM
fsr-4067	169	194	)	)	PUNCT
fsr-4067	169	195	(	(	PUNCT
fsr-4067	169	196	0.023	0.023	NUM
fsr-4067	169	197	)	)	PUNCT
fsr-4067	169	198	(	(	PUNCT
fsr-4067	169	199	0.004	0.004	NUM
fsr-4067	169	200	)	)	PUNCT
fsr-4067	169	201	7	7	NUM
fsr-4067	169	202	(	(	PUNCT
fsr-4067	169	203	strongly	strongly	ADV
fsr-4067	169	204	agree	agree	VERB
fsr-4067	169	205	)	)	PUNCT
fsr-4067	169	206	0.074	0.074	NUM
fsr-4067	169	207	0.273	0.273	NUM
fsr-4067	169	208	0.054	0.054	NUM
fsr-4067	169	209	(	(	PUNCT
fsr-4067	169	210	0.006	0.006	NUM
fsr-4067	169	211	)	)	PUNCT
fsr-4067	169	212	(	(	PUNCT
fsr-4067	169	213	0.037	0.037	NUM
fsr-4067	169	214	)	)	PUNCT
fsr-4067	169	215	(	(	PUNCT
fsr-4067	169	216	0.006	0.006	NUM
fsr-4067	169	217	)	)	PUNCT
fsr-4067	169	218	willingness	willingness	NOUN
fsr-4067	169	219	to	to	PART
fsr-4067	169	220	take	take	VERB
fsr-4067	169	221	risk	risk	NOUN
fsr-4067	169	222	1	1	NUM
fsr-4067	169	223	(	(	PUNCT
fsr-4067	169	224	not	not	PART
fsr-4067	169	225	at	at	ADV
fsr-4067	169	226	all	all	ADV
fsr-4067	169	227	willing	willing	ADJ
fsr-4067	169	228	)	)	PUNCT
fsr-4067	169	229	0.070	0.070	NUM
fsr-4067	169	230	0.008	0.008	NUM
fsr-4067	169	231	0.076	0.076	NUM
fsr-4067	169	232	(	(	PUNCT
fsr-4067	169	233	0.007	0.007	NUM
fsr-4067	169	234	)	)	PUNCT
fsr-4067	169	235	(	(	PUNCT
fsr-4067	169	236	0.008	0.008	NUM
fsr-4067	169	237	)	)	PUNCT
fsr-4067	169	238	(	(	PUNCT
fsr-4067	169	239	0.007	0.007	NUM
fsr-4067	169	240	)	)	PUNCT
fsr-4067	169	241	2	2	NUM
fsr-4067	169	242	0.156	0.156	NUM
fsr-4067	169	243	0.013	0.013	NUM
fsr-4067	169	244	0.171	0.171	NUM
fsr-4067	169	245	(	(	PUNCT
fsr-4067	169	246	0.009	0.009	NUM
fsr-4067	169	247	)	)	PUNCT
fsr-4067	169	248	(	(	PUNCT
fsr-4067	169	249	0.009	0.009	NUM
fsr-4067	169	250	)	)	PUNCT
fsr-4067	169	251	(	(	PUNCT
fsr-4067	169	252	0.010	0.010	NUM
fsr-4067	169	253	)	)	PUNCT
fsr-4067	169	254	3	3	NUM
fsr-4067	169	255	0.277	0.277	NUM
fsr-4067	169	256	0.135	0.135	NUM
fsr-4067	169	257	0.291	0.291	NUM
fsr-4067	169	258	(	(	PUNCT
fsr-4067	169	259	0.011	0.011	NUM
fsr-4067	169	260	)	)	PUNCT
fsr-4067	169	261	(	(	PUNCT
fsr-4067	169	262	0.033	0.033	NUM
fsr-4067	169	263	)	)	PUNCT
fsr-4067	169	264	(	(	PUNCT
fsr-4067	169	265	0.011	0.011	NUM
fsr-4067	169	266	)	)	PUNCT
fsr-4067	169	267	4	4	NUM
fsr-4067	169	268	0.362	0.362	NUM
fsr-4067	169	269	0.376	0.376	NUM
fsr-4067	169	270	0.361	0.361	NUM
fsr-4067	169	271	(	(	PUNCT
fsr-4067	169	272	0.012	0.012	NUM
fsr-4067	169	273	)	)	PUNCT
fsr-4067	169	274	(	(	PUNCT
fsr-4067	169	275	0.042	0.042	NUM
fsr-4067	169	276	)	)	PUNCT
fsr-4067	169	277	(	(	PUNCT
fsr-4067	169	278	0.012	0.012	NUM
fsr-4067	169	279	)	)	PUNCT
fsr-4067	169	280	5	5	NUM
fsr-4067	169	281	(	(	PUNCT
fsr-4067	169	282	very	very	ADV
fsr-4067	169	283	willing	willing	ADJ
fsr-4067	169	284	)	)	PUNCT
fsr-4067	169	285	0.135	0.135	NUM
fsr-4067	169	286	0.468	0.468	NUM
fsr-4067	169	287	0.101	0.101	NUM
fsr-4067	169	288	(	(	PUNCT
fsr-4067	169	289	0.008	0.008	NUM
fsr-4067	169	290	)	)	PUNCT
fsr-4067	169	291	(	(	PUNCT
fsr-4067	169	292	0.043	0.043	NUM
fsr-4067	169	293	)	)	PUNCT
fsr-4067	169	294	(	(	PUNCT
fsr-4067	169	295	0.008	0.008	NUM
fsr-4067	169	296	)	)	PUNCT
fsr-4067	169	297	financial	financial	ADJ
fsr-4067	169	298	services	service	NOUN
fsr-4067	169	299	review	review	NOUN
fsr-4067	169	300	,	,	PUNCT
fsr-4067	169	301	33(2	33(2	NUM
fsr-4067	169	302	)	)	PUNCT
fsr-4067	169	303	62	62	NUM
fsr-4067	169	304	non	non	ADJ
fsr-4067	169	305	-	-	ADJ
fsr-4067	169	306	retirement	retirement	ADJ
fsr-4067	169	307	account	account	NOUN
fsr-4067	169	308	value	value	NOUN
fsr-4067	169	309	<	<	X
fsr-4067	169	310	$	$	SYM
fsr-4067	169	311	2,000	2,000	NUM
fsr-4067	169	312	0.065	0.065	NUM
fsr-4067	169	313	0.014	0.014	NUM
fsr-4067	169	314	0.070	0.070	NUM
fsr-4067	169	315	(	(	PUNCT
fsr-4067	169	316	0.007	0.007	NUM
fsr-4067	169	317	)	)	PUNCT
fsr-4067	169	318	(	(	PUNCT
fsr-4067	169	319	0.011	0.011	NUM
fsr-4067	169	320	)	)	PUNCT
fsr-4067	169	321	(	(	PUNCT
fsr-4067	169	322	0.007	0.007	NUM
fsr-4067	169	323	)	)	PUNCT
fsr-4067	169	324	$	$	SYM
fsr-4067	169	325	2,000-$5,000	2,000-$5,000	NUM
fsr-4067	169	326	0.052	0.052	NUM
fsr-4067	169	327	0.045	0.045	NUM
fsr-4067	169	328	0.053	0.053	NUM
fsr-4067	169	329	(	(	PUNCT
fsr-4067	169	330	0.006	0.006	NUM
fsr-4067	169	331	)	)	PUNCT
fsr-4067	169	332	(	(	PUNCT
fsr-4067	169	333	0.021	0.021	NUM
fsr-4067	169	334	)	)	PUNCT
fsr-4067	169	335	(	(	PUNCT
fsr-4067	169	336	0.006	0.006	NUM
fsr-4067	169	337	)	)	PUNCT
fsr-4067	169	338	$	$	SYM
fsr-4067	169	339	5,000-$10,000	5,000-$10,000	NUM
fsr-4067	169	340	0.047	0.047	NUM
fsr-4067	169	341	0.089	0.089	NUM
fsr-4067	169	342	0.042	0.042	NUM
fsr-4067	169	343	(	(	PUNCT
fsr-4067	169	344	0.006	0.006	NUM
fsr-4067	169	345	)	)	PUNCT
fsr-4067	169	346	(	(	PUNCT
fsr-4067	169	347	0.033	0.033	NUM
fsr-4067	169	348	)	)	PUNCT
fsr-4067	169	349	(	(	PUNCT
fsr-4067	169	350	0.005	0.005	NUM
fsr-4067	169	351	)	)	PUNCT
fsr-4067	169	352	$	$	SYM
fsr-4067	169	353	10,000-$25,000	10,000-$25,000	NUM
fsr-4067	169	354	0.069	0.069	NUM
fsr-4067	169	355	0.053	0.053	NUM
fsr-4067	169	356	0.070	0.070	NUM
fsr-4067	169	357	(	(	PUNCT
fsr-4067	169	358	0.006	0.006	NUM
fsr-4067	169	359	)	)	PUNCT
fsr-4067	169	360	(	(	PUNCT
fsr-4067	169	361	0.018	0.018	NUM
fsr-4067	169	362	)	)	PUNCT
fsr-4067	169	363	(	(	PUNCT
fsr-4067	169	364	0.007	0.007	NUM
fsr-4067	169	365	)	)	PUNCT
fsr-4067	169	366	$	$	SYM
fsr-4067	169	367	25,000	25,000	NUM
fsr-4067	169	368	-	-	SYM
fsr-4067	169	369	50,000	50,000	NUM
fsr-4067	169	370	0.072	0.072	NUM
fsr-4067	169	371	0.062	0.062	NUM
fsr-4067	169	372	0.074	0.074	NUM
fsr-4067	169	373	(	(	PUNCT
fsr-4067	169	374	0.006	0.006	NUM
fsr-4067	169	375	)	)	PUNCT
fsr-4067	169	376	(	(	PUNCT
fsr-4067	169	377	0.018	0.018	NUM
fsr-4067	169	378	)	)	PUNCT
fsr-4067	169	379	(	(	PUNCT
fsr-4067	169	380	0.007	0.007	NUM
fsr-4067	169	381	)	)	PUNCT
fsr-4067	169	382	$	$	SYM
fsr-4067	169	383	50,000-$100,000	50,000-$100,000	NUM
fsr-4067	169	384	0.132	0.132	NUM
fsr-4067	169	385	0.215	0.215	NUM
fsr-4067	169	386	0.124	0.124	NUM
fsr-4067	169	387	(	(	PUNCT
fsr-4067	169	388	0.008	0.008	NUM
fsr-4067	169	389	)	)	PUNCT
fsr-4067	169	390	(	(	PUNCT
fsr-4067	169	391	0.033	0.033	NUM
fsr-4067	169	392	)	)	PUNCT
fsr-4067	169	393	(	(	PUNCT
fsr-4067	169	394	0.008	0.008	NUM
fsr-4067	169	395	)	)	PUNCT
fsr-4067	169	396	$	$	SYM
fsr-4067	169	397	100,000-$250,000	100,000-$250,000	NUM
fsr-4067	169	398	0.180	0.180	NUM
fsr-4067	169	399	0.197	0.197	NUM
fsr-4067	169	400	0.179	0.179	NUM
fsr-4067	169	401	(	(	PUNCT
fsr-4067	169	402	0.009	0.009	NUM
fsr-4067	169	403	)	)	PUNCT
fsr-4067	169	404	(	(	PUNCT
fsr-4067	169	405	0.035	0.035	NUM
fsr-4067	169	406	)	)	PUNCT
fsr-4067	169	407	(	(	PUNCT
fsr-4067	169	408	0.010	0.010	NUM
fsr-4067	169	409	)	)	PUNCT
fsr-4067	169	410	$	$	SYM
fsr-4067	169	411	250,000-$500,000	250,000-$500,000	NUM
fsr-4067	169	412	0.151	0.151	NUM
fsr-4067	169	413	0.115	0.115	NUM
fsr-4067	169	414	0.154	0.154	NUM
fsr-4067	169	415	(	(	PUNCT
fsr-4067	169	416	0.009	0.009	NUM
fsr-4067	169	417	)	)	PUNCT
fsr-4067	169	418	(	(	PUNCT
fsr-4067	169	419	0.025	0.025	NUM
fsr-4067	169	420	)	)	PUNCT
fsr-4067	169	421	(	(	PUNCT
fsr-4067	169	422	0.009	0.009	NUM
fsr-4067	169	423	)	)	PUNCT
fsr-4067	169	424	$	$	SYM
fsr-4067	169	425	500,000-$1,000,000	500,000-$1,000,000	NUM
fsr-4067	169	426	0.113	0.113	NUM
fsr-4067	169	427	0.114	0.114	NUM
fsr-4067	169	428	0.113	0.113	NUM
fsr-4067	169	429	(	(	PUNCT
fsr-4067	169	430	0.007	0.007	NUM
fsr-4067	169	431	)	)	PUNCT
fsr-4067	169	432	(	(	PUNCT
fsr-4067	169	433	0.028	0.028	NUM
fsr-4067	169	434	)	)	PUNCT
fsr-4067	169	435	(	(	PUNCT
fsr-4067	169	436	0.008	0.008	NUM
fsr-4067	169	437	)	)	PUNCT
fsr-4067	169	438	$	$	SYM
fsr-4067	169	439	1,000,000	1,000,000	NUM
fsr-4067	169	440	0.119	0.119	NUM
fsr-4067	169	441	0.096	0.096	NUM
fsr-4067	169	442	0.121	0.121	NUM
fsr-4067	169	443	(	(	PUNCT
fsr-4067	169	444	0.008	0.008	NUM
fsr-4067	169	445	)	)	PUNCT
fsr-4067	169	446	(	(	PUNCT
fsr-4067	169	447	0.025	0.025	NUM
fsr-4067	169	448	)	)	PUNCT
fsr-4067	169	449	(	(	PUNCT
fsr-4067	169	450	0.008	0.008	NUM
fsr-4067	169	451	)	)	PUNCT
fsr-4067	169	452	gender	gender	NOUN
fsr-4067	169	453	male	male	NOUN
fsr-4067	169	454	0.637	0.637	NUM
fsr-4067	169	455	0.750	0.750	NUM
fsr-4067	169	456	0.626	0.626	NUM
fsr-4067	169	457	(	(	PUNCT
fsr-4067	169	458	0.012	0.012	NUM
fsr-4067	169	459	)	)	PUNCT
fsr-4067	169	460	(	(	PUNCT
fsr-4067	169	461	0.038	0.038	NUM
fsr-4067	169	462	)	)	PUNCT
fsr-4067	169	463	(	(	PUNCT
fsr-4067	169	464	0.012	0.012	NUM
fsr-4067	169	465	)	)	PUNCT
fsr-4067	169	466	female	female	ADJ
fsr-4067	169	467	0.363	0.363	NUM
fsr-4067	169	468	0.250	0.250	NUM
fsr-4067	169	469	0.374	0.374	NUM
fsr-4067	169	470	(	(	PUNCT
fsr-4067	169	471	0.012	0.012	NUM
fsr-4067	169	472	)	)	PUNCT
fsr-4067	169	473	(	(	PUNCT
fsr-4067	169	474	0.038	0.038	NUM
fsr-4067	169	475	)	)	PUNCT
fsr-4067	169	476	(	(	PUNCT
fsr-4067	169	477	0.012	0.012	NUM
fsr-4067	169	478	)	)	PUNCT
fsr-4067	169	479	age	age	NOUN
fsr-4067	170	1	56.907	56.907	NUM
fsr-4067	170	2	43.084	43.084	NUM
fsr-4067	170	3	58.340	58.340	NUM
fsr-4067	170	4	(	(	PUNCT
fsr-4067	170	5	0.406	0.406	NUM
fsr-4067	170	6	)	)	PUNCT
fsr-4067	170	7	(	(	PUNCT
fsr-4067	170	8	1.255	1.255	NUM
fsr-4067	170	9	)	)	PUNCT
fsr-4067	170	10	(	(	PUNCT
fsr-4067	170	11	0.408	0.408	NUM
fsr-4067	170	12	)	)	PUNCT
fsr-4067	170	13	race	race	NOUN
fsr-4067	170	14	/	/	SYM
fsr-4067	170	15	ethnicity	ethnicity	NOUN
fsr-4067	170	16	white	white	ADJ
fsr-4067	170	17	non	non	ADJ
fsr-4067	170	18	-	-	ADJ
fsr-4067	170	19	hispanic	hispanic	ADJ
fsr-4067	170	20	0.724	0.724	NUM
fsr-4067	170	21	0.615	0.615	NUM
fsr-4067	170	22	0.735	0.735	NUM
fsr-4067	170	23	(	(	PUNCT
fsr-4067	170	24	0.012	0.012	NUM
fsr-4067	170	25	)	)	PUNCT
fsr-4067	170	26	(	(	PUNCT
fsr-4067	170	27	0.046	0.046	NUM
fsr-4067	170	28	)	)	PUNCT
fsr-4067	170	29	(	(	PUNCT
fsr-4067	170	30	0.013	0.013	NUM
fsr-4067	170	31	)	)	PUNCT
fsr-4067	170	32	black	black	ADJ
fsr-4067	170	33	non	non	ADJ
fsr-4067	170	34	-	-	ADJ
fsr-4067	170	35	hispanic	hispanic	ADJ
fsr-4067	170	36	0.058	0.058	NUM
fsr-4067	170	37	0.095	0.095	NUM
fsr-4067	170	38	0.054	0.054	NUM
fsr-4067	170	39	(	(	PUNCT
fsr-4067	170	40	0.006	0.006	NUM
fsr-4067	170	41	)	)	PUNCT
fsr-4067	170	42	(	(	PUNCT
fsr-4067	170	43	0.023	0.023	NUM
fsr-4067	170	44	)	)	PUNCT
fsr-4067	170	45	(	(	PUNCT
fsr-4067	170	46	0.006	0.006	NUM
fsr-4067	170	47	)	)	PUNCT
fsr-4067	170	48	hispanic	hispanic	NOUN
fsr-4067	170	49	(	(	PUNCT
fsr-4067	170	50	alone	alone	ADV
fsr-4067	170	51	or	or	CCONJ
fsr-4067	170	52	in	in	ADP
fsr-4067	170	53	combination	combination	NOUN
fsr-4067	170	54	)	)	PUNCT
fsr-4067	170	55	0.106	0.106	NUM
fsr-4067	170	56	0.177	0.177	NUM
fsr-4067	170	57	0.098	0.098	NUM
fsr-4067	170	58	(	(	PUNCT
fsr-4067	170	59	0.010	0.010	NUM
fsr-4067	170	60	)	)	PUNCT
fsr-4067	170	61	(	(	PUNCT
fsr-4067	170	62	0.044	0.044	NUM
fsr-4067	170	63	)	)	PUNCT
fsr-4067	170	64	(	(	PUNCT
fsr-4067	170	65	0.010	0.010	NUM
fsr-4067	170	66	)	)	PUNCT
fsr-4067	170	67	asian	asian	ADJ
fsr-4067	170	68	/	/	SYM
fsr-4067	170	69	pacific	pacific	PROPN
fsr-4067	170	70	islander	islander	PROPN
fsr-4067	170	71	nonhispanic	nonhispanic	ADJ
fsr-4067	170	72	0.093	0.093	NUM
fsr-4067	170	73	0.100	0.100	NUM
fsr-4067	170	74	0.092	0.092	NUM
fsr-4067	170	75	(	(	PUNCT
fsr-4067	170	76	0.008	0.008	NUM
fsr-4067	170	77	)	)	PUNCT
fsr-4067	170	78	(	(	PUNCT
fsr-4067	170	79	0.030	0.030	NUM
fsr-4067	170	80	)	)	PUNCT
fsr-4067	170	81	(	(	PUNCT
fsr-4067	170	82	0.008	0.008	NUM
fsr-4067	170	83	)	)	PUNCT
fsr-4067	170	84	other	other	ADJ
fsr-4067	170	85	non	non	ADJ
fsr-4067	170	86	-	-	ADJ
fsr-4067	170	87	hispanic	hispanic	ADJ
fsr-4067	170	88	0.020	0.020	NUM
fsr-4067	170	89	0.013	0.013	NUM
fsr-4067	170	90	0.021	0.021	NUM
fsr-4067	170	91	(	(	PUNCT
fsr-4067	170	92	0.003	0.003	NUM
fsr-4067	170	93	)	)	PUNCT
fsr-4067	170	94	(	(	PUNCT
fsr-4067	170	95	0.008	0.008	NUM
fsr-4067	170	96	)	)	PUNCT
fsr-4067	170	97	(	(	PUNCT
fsr-4067	170	98	0.003	0.003	NUM
fsr-4067	170	99	)	)	PUNCT
fsr-4067	170	100	marital	marital	ADJ
fsr-4067	170	101	status	status	NOUN
fsr-4067	170	102	single	single	ADJ
fsr-4067	170	103	0.195	0.195	NUM
fsr-4067	170	104	0.246	0.246	NUM
fsr-4067	170	105	0.189	0.189	NUM
fsr-4067	170	106	(	(	PUNCT
fsr-4067	170	107	0.010	0.010	NUM
fsr-4067	170	108	)	)	PUNCT
fsr-4067	170	109	(	(	PUNCT
fsr-4067	170	110	0.039	0.039	NUM
fsr-4067	170	111	)	)	PUNCT
fsr-4067	170	112	(	(	PUNCT
fsr-4067	170	113	0.010	0.010	NUM
fsr-4067	170	114	)	)	PUNCT
fsr-4067	170	115	married	marry	VERB
fsr-4067	170	116	0.661	0.661	NUM
fsr-4067	170	117	0.708	0.708	NUM
fsr-4067	170	118	0.657	0.657	NUM
fsr-4067	170	119	(	(	PUNCT
fsr-4067	170	120	0.012	0.012	NUM
fsr-4067	170	121	)	)	PUNCT
fsr-4067	170	122	(	(	PUNCT
fsr-4067	170	123	0.040	0.040	NUM
fsr-4067	170	124	)	)	PUNCT
fsr-4067	170	125	(	(	PUNCT
fsr-4067	170	126	0.012	0.012	NUM
fsr-4067	170	127	)	)	PUNCT
fsr-4067	170	128	divorced	divorce	VERB
fsr-4067	170	129	/	/	PUNCT
fsr-4067	170	130	separated	separate	VERB
fsr-4067	170	131	0.096	0.096	NUM
fsr-4067	170	132	0.044	0.044	NUM
fsr-4067	170	133	0.101	0.101	NUM
fsr-4067	170	134	(	(	PUNCT
fsr-4067	170	135	0.007	0.007	NUM
fsr-4067	170	136	)	)	PUNCT
fsr-4067	170	137	(	(	PUNCT
fsr-4067	170	138	0.015	0.015	NUM
fsr-4067	170	139	)	)	PUNCT
fsr-4067	170	140	(	(	PUNCT
fsr-4067	170	141	0.008	0.008	NUM
fsr-4067	170	142	)	)	PUNCT
fsr-4067	170	143	widowed	widow	VERB
fsr-4067	170	144	0.048	0.048	NUM
fsr-4067	170	145	0.002	0.002	NUM
fsr-4067	170	146	0.053	0.053	NUM
fsr-4067	170	147	(	(	PUNCT
fsr-4067	170	148	0.005	0.005	NUM
fsr-4067	170	149	)	)	PUNCT
fsr-4067	170	150	(	(	PUNCT
fsr-4067	170	151	0.002	0.002	NUM
fsr-4067	170	152	)	)	PUNCT
fsr-4067	170	153	(	(	PUNCT
fsr-4067	170	154	0.006	0.006	NUM
fsr-4067	170	155	)	)	PUNCT
fsr-4067	171	1	n	n	ADV
fsr-4067	171	2	2,336	2,336	NUM
fsr-4067	171	3	192	192	NUM
fsr-4067	171	4	2,144	2,144	NUM
fsr-4067	171	5	note	note	NOUN
fsr-4067	171	6	:	:	PUNCT
fsr-4067	171	7	data	datum	NOUN
fsr-4067	171	8	from	from	ADP
fsr-4067	171	9	the	the	DET
fsr-4067	171	10	2021	2021	NUM
fsr-4067	171	11	nfcs	nfc	NOUN
fsr-4067	171	12	investor	investor	NOUN
fsr-4067	171	13	and	and	CCONJ
fsr-4067	171	14	state	state	NOUN
fsr-4067	171	15	-	-	PUNCT
fsr-4067	171	16	by	by	ADP
fsr-4067	171	17	-	-	PUNCT
fsr-4067	171	18	state	state	NOUN
fsr-4067	171	19	surveys	survey	NOUN
fsr-4067	171	20	.	.	PUNCT
fsr-4067	172	1	financial	financial	ADJ
fsr-4067	172	2	services	service	NOUN
fsr-4067	172	3	review	review	PROPN
fsr-4067	172	4	,	,	PUNCT
fsr-4067	172	5	33(2	33(2	NUM
fsr-4067	172	6	)	)	PUNCT
fsr-4067	172	7	63	63	NUM
fsr-4067	172	8	large	large	ADJ
fsr-4067	172	9	differences	difference	NOUN
fsr-4067	172	10	can	can	AUX
fsr-4067	172	11	be	be	AUX
fsr-4067	172	12	seen	see	VERB
fsr-4067	172	13	between	between	ADP
fsr-4067	172	14	those	those	PRON
fsr-4067	172	15	who	who	PRON
fsr-4067	172	16	do	do	VERB
fsr-4067	172	17	and	and	CCONJ
fsr-4067	172	18	those	those	PRON
fsr-4067	172	19	who	who	PRON
fsr-4067	172	20	do	do	AUX
fsr-4067	172	21	not	not	PART
fsr-4067	172	22	buy	buy	VERB
fsr-4067	172	23	on	on	ADP
fsr-4067	172	24	margin	margin	NOUN
fsr-4067	172	25	.	.	PUNCT
fsr-4067	173	1	for	for	ADP
fsr-4067	173	2	example	example	NOUN
fsr-4067	173	3	,	,	PUNCT
fsr-4067	173	4	fewer	few	ADJ
fsr-4067	173	5	than	than	ADP
fsr-4067	173	6	30	30	NUM
fsr-4067	173	7	%	%	NOUN
fsr-4067	173	8	of	of	ADP
fsr-4067	173	9	those	those	PRON
fsr-4067	173	10	who	who	PRON
fsr-4067	173	11	have	have	AUX
fsr-4067	173	12	made	make	VERB
fsr-4067	173	13	purchases	purchase	NOUN
fsr-4067	173	14	on	on	ADP
fsr-4067	173	15	margin	margin	NOUN
fsr-4067	173	16	report	report	NOUN
fsr-4067	173	17	that	that	SCONJ
fsr-4067	173	18	peer	peer	NOUN
fsr-4067	173	19	influences	influence	NOUN
fsr-4067	173	20	do	do	AUX
fsr-4067	173	21	“	"	PUNCT
fsr-4067	173	22	not	not	PART
fsr-4067	173	23	at	at	ADV
fsr-4067	173	24	all	all	ADV
fsr-4067	173	25	”	"	PUNCT
fsr-4067	173	26	describe	describe	VERB
fsr-4067	173	27	why	why	SCONJ
fsr-4067	173	28	they	they	PRON
fsr-4067	173	29	invest	invest	VERB
fsr-4067	173	30	compared	compare	VERB
fsr-4067	173	31	to	to	ADP
fsr-4067	173	32	over	over	ADP
fsr-4067	173	33	80	80	NUM
fsr-4067	173	34	%	%	NOUN
fsr-4067	173	35	of	of	ADP
fsr-4067	173	36	those	those	PRON
fsr-4067	173	37	who	who	PRON
fsr-4067	173	38	have	have	AUX
fsr-4067	173	39	not	not	PART
fsr-4067	173	40	made	make	VERB
fsr-4067	173	41	purchases	purchase	NOUN
fsr-4067	173	42	on	on	ADP
fsr-4067	173	43	margin	margin	NOUN
fsr-4067	173	44	.	.	PUNCT
fsr-4067	174	1	conversely	conversely	ADV
fsr-4067	174	2	,	,	PUNCT
fsr-4067	174	3	over	over	ADP
fsr-4067	174	4	a	a	DET
fsr-4067	174	5	third	third	ADJ
fsr-4067	174	6	(	(	PUNCT
fsr-4067	174	7	33.9	33.9	NUM
fsr-4067	174	8	%	%	NOUN
fsr-4067	174	9	)	)	PUNCT
fsr-4067	174	10	of	of	ADP
fsr-4067	174	11	respondents	respondent	NOUN
fsr-4067	174	12	who	who	PRON
fsr-4067	174	13	have	have	AUX
fsr-4067	174	14	made	make	VERB
fsr-4067	174	15	margin	margin	NOUN
fsr-4067	174	16	purchases	purchase	NOUN
fsr-4067	174	17	report	report	NOUN
fsr-4067	174	18	that	that	SCONJ
fsr-4067	174	19	peer	peer	NOUN
fsr-4067	174	20	influences	influence	NOUN
fsr-4067	174	21	describe	describe	VERB
fsr-4067	174	22	why	why	SCONJ
fsr-4067	174	23	they	they	PRON
fsr-4067	174	24	invest	invest	VERB
fsr-4067	174	25	“	"	PUNCT
fsr-4067	174	26	very	very	ADV
fsr-4067	174	27	well	well	ADV
fsr-4067	174	28	,	,	PUNCT
fsr-4067	174	29	”	"	PUNCT
fsr-4067	174	30	compared	compare	VERB
fsr-4067	174	31	to	to	ADP
fsr-4067	174	32	about	about	ADP
fsr-4067	174	33	5	5	NUM
fsr-4067	174	34	%	%	NOUN
fsr-4067	174	35	of	of	ADP
fsr-4067	174	36	those	those	PRON
fsr-4067	174	37	who	who	PRON
fsr-4067	174	38	do	do	AUX
fsr-4067	174	39	not	not	PART
fsr-4067	174	40	make	make	VERB
fsr-4067	174	41	purchases	purchase	NOUN
fsr-4067	174	42	on	on	ADP
fsr-4067	174	43	margin	margin	NOUN
fsr-4067	174	44	(	(	PUNCT
fsr-4067	174	45	see	see	VERB
fsr-4067	174	46	figure	figure	NOUN
fsr-4067	174	47	1	1	NUM
fsr-4067	174	48	)	)	PUNCT
fsr-4067	174	49	.	.	PUNCT
fsr-4067	175	1	figure	figure	NOUN
fsr-4067	175	2	1	1	NUM
fsr-4067	175	3	.	.	PUNCT
fsr-4067	175	4	investment	investment	NOUN
fsr-4067	175	5	motivation	motivation	NOUN
fsr-4067	175	6	:	:	PUNCT
fsr-4067	175	7	my	my	PRON
fsr-4067	175	8	peers	peer	NOUN
fsr-4067	175	9	are	be	AUX
fsr-4067	175	10	doing	do	VERB
fsr-4067	175	11	it	it	PRON
fsr-4067	175	12	/	/	SYM
fsr-4067	175	13	social	social	ADJ
fsr-4067	175	14	activity	activity	NOUN
fsr-4067	175	15	/	/	SYM
fsr-4067	175	16	connecting	connect	VERB
fsr-4067	175	17	with	with	ADP
fsr-4067	175	18	others	other	NOUN
fsr-4067	175	19	those	those	PRON
fsr-4067	175	20	who	who	PRON
fsr-4067	175	21	make	make	VERB
fsr-4067	175	22	margin	margin	NOUN
fsr-4067	175	23	purchases	purchase	NOUN
fsr-4067	175	24	appear	appear	VERB
fsr-4067	175	25	to	to	PART
fsr-4067	175	26	have	have	VERB
fsr-4067	175	27	a	a	DET
fsr-4067	175	28	lower	low	ADJ
fsr-4067	175	29	average	average	ADJ
fsr-4067	175	30	investment	investment	NOUN
fsr-4067	175	31	literacy	literacy	NOUN
fsr-4067	175	32	score	score	NOUN
fsr-4067	175	33	(	(	PUNCT
fsr-4067	175	34	5.196/11	5.196/11	NUM
fsr-4067	175	35	)	)	PUNCT
fsr-4067	175	36	than	than	ADP
fsr-4067	175	37	those	those	PRON
fsr-4067	175	38	who	who	PRON
fsr-4067	175	39	do	do	AUX
fsr-4067	175	40	not	not	PART
fsr-4067	175	41	make	make	VERB
fsr-4067	175	42	margin	margin	NOUN
fsr-4067	175	43	purchases	purchase	NOUN
fsr-4067	175	44	(	(	PUNCT
fsr-4067	175	45	5.406/11	5.406/11	NOUN
fsr-4067	175	46	)	)	PUNCT
fsr-4067	175	47	.	.	PUNCT
fsr-4067	176	1	the	the	DET
fsr-4067	176	2	distribution	distribution	NOUN
fsr-4067	176	3	of	of	ADP
fsr-4067	176	4	scores	score	NOUN
fsr-4067	176	5	can	can	AUX
fsr-4067	176	6	be	be	AUX
fsr-4067	176	7	seen	see	VERB
fsr-4067	176	8	in	in	ADP
fsr-4067	176	9	figure	figure	NOUN
fsr-4067	176	10	2	2	NUM
fsr-4067	176	11	,	,	PUNCT
fsr-4067	176	12	showing	show	VERB
fsr-4067	176	13	the	the	DET
fsr-4067	176	14	same	same	ADJ
fsr-4067	176	15	trend	trend	NOUN
fsr-4067	176	16	of	of	ADP
fsr-4067	176	17	lower	low	ADJ
fsr-4067	176	18	investment	investment	NOUN
fsr-4067	176	19	literacy	literacy	NOUN
fsr-4067	176	20	scores	score	NOUN
fsr-4067	176	21	among	among	ADP
fsr-4067	176	22	margin	margin	NOUN
fsr-4067	176	23	purchasers	purchaser	NOUN
fsr-4067	176	24	,	,	PUNCT
fsr-4067	176	25	but	but	CCONJ
fsr-4067	176	26	also	also	ADV
fsr-4067	176	27	showing	show	VERB
fsr-4067	176	28	that	that	SCONJ
fsr-4067	176	29	higher	high	ADJ
fsr-4067	176	30	scores	score	NOUN
fsr-4067	176	31	(	(	PUNCT
fsr-4067	176	32	10/11	10/11	NUM
fsr-4067	176	33	and	and	CCONJ
fsr-4067	176	34	11/11	11/11	NUM
fsr-4067	176	35	)	)	PUNCT
fsr-4067	176	36	were	be	AUX
fsr-4067	176	37	slightly	slightly	ADV
fsr-4067	176	38	more	more	ADV
fsr-4067	176	39	common	common	ADJ
fsr-4067	176	40	among	among	ADP
fsr-4067	176	41	those	those	PRON
fsr-4067	176	42	who	who	PRON
fsr-4067	176	43	made	make	VERB
fsr-4067	176	44	purchases	purchase	NOUN
fsr-4067	176	45	on	on	ADP
fsr-4067	176	46	margin	margin	NOUN
fsr-4067	176	47	than	than	ADP
fsr-4067	176	48	those	those	PRON
fsr-4067	176	49	who	who	PRON
fsr-4067	176	50	did	do	VERB
fsr-4067	176	51	not	not	PART
fsr-4067	176	52	.	.	PUNCT
fsr-4067	177	1	a	a	DET
fsr-4067	177	2	much	much	ADV
fsr-4067	177	3	larger	large	ADJ
fsr-4067	177	4	percentage	percentage	NOUN
fsr-4067	177	5	of	of	ADP
fsr-4067	177	6	respondents	respondent	NOUN
fsr-4067	177	7	who	who	PRON
fsr-4067	177	8	have	have	AUX
fsr-4067	177	9	made	make	VERB
fsr-4067	177	10	purchases	purchase	NOUN
fsr-4067	177	11	on	on	ADP
fsr-4067	177	12	margin	margin	NOUN
fsr-4067	177	13	(	(	PUNCT
fsr-4067	177	14	53.0	53.0	NUM
fsr-4067	177	15	%	%	NOUN
fsr-4067	177	16	)	)	PUNCT
fsr-4067	177	17	expect	expect	VERB
fsr-4067	177	18	their	their	PRON
fsr-4067	177	19	portfolios	portfolio	NOUN
fsr-4067	177	20	to	to	PART
fsr-4067	177	21	outperform	outperform	VERB
fsr-4067	177	22	the	the	DET
fsr-4067	177	23	market	market	NOUN
fsr-4067	177	24	relative	relative	ADJ
fsr-4067	177	25	to	to	ADP
fsr-4067	177	26	those	those	PRON
fsr-4067	177	27	who	who	PRON
fsr-4067	177	28	have	have	AUX
fsr-4067	177	29	not	not	PART
fsr-4067	177	30	made	make	VERB
fsr-4067	177	31	purchases	purchase	NOUN
fsr-4067	177	32	on	on	ADP
fsr-4067	177	33	margin	margin	NOUN
fsr-4067	177	34	(	(	PUNCT
fsr-4067	177	35	25.7	25.7	NUM
fsr-4067	177	36	%	%	NOUN
fsr-4067	177	37	)	)	PUNCT
fsr-4067	177	38	.	.	PUNCT
fsr-4067	178	1	finally	finally	ADV
fsr-4067	178	2	,	,	PUNCT
fsr-4067	178	3	those	those	PRON
fsr-4067	178	4	who	who	PRON
fsr-4067	178	5	buy	buy	VERB
fsr-4067	178	6	on	on	ADP
fsr-4067	178	7	margin	margin	NOUN
fsr-4067	178	8	appear	appear	VERB
fsr-4067	178	9	to	to	PART
fsr-4067	178	10	report	report	VERB
fsr-4067	178	11	having	have	VERB
fsr-4067	178	12	too	too	ADV
fsr-4067	178	13	much	much	ADJ
fsr-4067	178	14	debt	debt	NOUN
fsr-4067	178	15	more	more	ADV
fsr-4067	178	16	commonly	commonly	ADV
fsr-4067	178	17	than	than	ADP
fsr-4067	178	18	those	those	PRON
fsr-4067	178	19	who	who	PRON
fsr-4067	178	20	do	do	VERB
fsr-4067	178	21	not	not	PART
fsr-4067	178	22	.	.	PUNCT
fsr-4067	179	1	figure	figure	VERB
fsr-4067	179	2	2	2	NUM
fsr-4067	179	3	.	.	PUNCT
fsr-4067	179	4	comparison	comparison	NOUN
fsr-4067	179	5	of	of	ADP
fsr-4067	179	6	investment	investment	NOUN
fsr-4067	179	7	literacy	literacy	NOUN
fsr-4067	179	8	score	score	NOUN
fsr-4067	179	9	among	among	ADP
fsr-4067	179	10	those	those	PRON
fsr-4067	179	11	who	who	PRON
fsr-4067	179	12	did	do	VERB
fsr-4067	179	13	and	and	CCONJ
fsr-4067	179	14	did	do	AUX
fsr-4067	179	15	not	not	PART
fsr-4067	179	16	buy	buy	VERB
fsr-4067	179	17	on	on	ADP
fsr-4067	179	18	margin	margin	NOUN
fsr-4067	179	19	0.000	0.000	NUM
fsr-4067	179	20	0.100	0.100	NUM
fsr-4067	179	21	0.200	0.200	NUM
fsr-4067	179	22	0.300	0.300	NUM
fsr-4067	179	23	0.400	0.400	NUM
fsr-4067	179	24	0.500	0.500	NUM
fsr-4067	179	25	0.600	0.600	NUM
fsr-4067	179	26	0.700	0.700	NUM
fsr-4067	179	27	0.800	0.800	NUM
fsr-4067	179	28	0.900	0.900	NUM
fsr-4067	179	29	1.000	1.000	NUM
fsr-4067	179	30	full	full	ADJ
fsr-4067	179	31	sample	sample	NOUN
fsr-4067	179	32	did	do	AUX
fsr-4067	179	33	not	not	PART
fsr-4067	179	34	buy	buy	VERB
fsr-4067	179	35	on	on	ADP
fsr-4067	179	36	margin	margin	NOUN
fsr-4067	179	37	bought	buy	VERB
fsr-4067	179	38	on	on	ADP
fsr-4067	179	39	margin	margin	NOUN
fsr-4067	179	40	describes	describe	VERB
fsr-4067	179	41	me	i	PRON
fsr-4067	179	42	:	:	PUNCT
fsr-4067	179	43	not	not	PART
fsr-4067	179	44	at	at	ADV
fsr-4067	179	45	all	all	ADV
fsr-4067	179	46	somewhat	somewhat	ADV
fsr-4067	179	47	very	very	ADV
fsr-4067	179	48	well	well	ADV
fsr-4067	179	49	0	0	NUM
fsr-4067	179	50	%	%	NOUN
fsr-4067	179	51	5	5	NUM
fsr-4067	179	52	%	%	NOUN
fsr-4067	179	53	10	10	NUM
fsr-4067	179	54	%	%	NOUN
fsr-4067	179	55	15	15	NUM
fsr-4067	179	56	%	%	NOUN
fsr-4067	179	57	20	20	NUM
fsr-4067	179	58	%	%	NOUN
fsr-4067	179	59	25	25	NUM
fsr-4067	179	60	%	%	NOUN
fsr-4067	179	61	0	0	NUM
fsr-4067	179	62	1	1	NUM
fsr-4067	179	63	2	2	NUM
fsr-4067	179	64	3	3	NUM
fsr-4067	179	65	4	4	NUM
fsr-4067	179	66	5	5	NUM
fsr-4067	179	67	6	6	NUM
fsr-4067	179	68	7	7	NUM
fsr-4067	179	69	8	8	NUM
fsr-4067	179	70	9	9	NUM
fsr-4067	179	71	10	10	NUM
fsr-4067	179	72	11	11	NUM
fsr-4067	179	73	bought	buy	VERB
fsr-4067	179	74	on	on	ADP
fsr-4067	179	75	margin	margin	NOUN
fsr-4067	179	76	did	do	AUX
fsr-4067	179	77	not	not	PART
fsr-4067	179	78	buy	buy	VERB
fsr-4067	179	79	on	on	ADP
fsr-4067	179	80	margin	margin	NOUN
fsr-4067	179	81	full	full	ADJ
fsr-4067	179	82	sample	sample	NOUN
fsr-4067	179	83	financial	financial	ADJ
fsr-4067	179	84	services	service	NOUN
fsr-4067	179	85	review	review	NOUN
fsr-4067	179	86	,	,	PUNCT
fsr-4067	179	87	33(2	33(2	NUM
fsr-4067	179	88	)	)	PUNCT
fsr-4067	179	89	64	64	NUM
fsr-4067	179	90	the	the	DET
fsr-4067	179	91	relationships	relationship	NOUN
fsr-4067	179	92	between	between	ADP
fsr-4067	179	93	age	age	NOUN
fsr-4067	179	94	and	and	CCONJ
fsr-4067	179	95	peer	peer	NOUN
fsr-4067	179	96	influence	influence	NOUN
fsr-4067	179	97	and	and	CCONJ
fsr-4067	179	98	age	age	NOUN
fsr-4067	179	99	and	and	CCONJ
fsr-4067	179	100	buying	buying	NOUN
fsr-4067	179	101	on	on	ADP
fsr-4067	179	102	margin	margin	NOUN
fsr-4067	179	103	are	be	AUX
fsr-4067	179	104	found	find	VERB
fsr-4067	179	105	in	in	ADP
fsr-4067	179	106	figures	figure	NOUN
fsr-4067	179	107	3	3	NUM
fsr-4067	179	108	and	and	CCONJ
fsr-4067	179	109	4	4	NUM
fsr-4067	179	110	,	,	PUNCT
fsr-4067	179	111	respectively	respectively	ADV
fsr-4067	179	112	.	.	PUNCT
fsr-4067	180	1	both	both	PRON
fsr-4067	180	2	demonstrate	demonstrate	VERB
fsr-4067	180	3	similar	similar	ADJ
fsr-4067	180	4	downward	downward	ADJ
fsr-4067	180	5	trends	trend	NOUN
fsr-4067	180	6	,	,	PUNCT
fsr-4067	180	7	with	with	ADP
fsr-4067	180	8	responses	response	NOUN
fsr-4067	180	9	being	be	AUX
fsr-4067	180	10	more	more	ADV
fsr-4067	180	11	disparate	disparate	ADJ
fsr-4067	180	12	from	from	ADP
fsr-4067	180	13	age	age	NOUN
fsr-4067	180	14	to	to	ADP
fsr-4067	180	15	age	age	NOUN
fsr-4067	180	16	among	among	ADP
fsr-4067	180	17	younger	young	ADJ
fsr-4067	180	18	participants	participant	NOUN
fsr-4067	180	19	and	and	CCONJ
fsr-4067	180	20	more	more	ADV
fsr-4067	180	21	concentrated	concentrated	ADJ
fsr-4067	180	22	among	among	ADP
fsr-4067	180	23	those	those	PRON
fsr-4067	180	24	who	who	PRON
fsr-4067	180	25	are	be	AUX
fsr-4067	180	26	older	old	ADJ
fsr-4067	180	27	(	(	PUNCT
fsr-4067	180	28	finally	finally	ADV
fsr-4067	180	29	closing	close	VERB
fsr-4067	180	30	in	in	ADP
fsr-4067	180	31	on	on	ADP
fsr-4067	180	32	0	0	NUM
fsr-4067	180	33	%	%	NOUN
fsr-4067	180	34	or	or	CCONJ
fsr-4067	180	35	“	"	PUNCT
fsr-4067	180	36	not	not	PART
fsr-4067	180	37	at	at	ADV
fsr-4067	180	38	all	all	ADV
fsr-4067	180	39	”	"	PUNCT
fsr-4067	180	40	by	by	ADP
fsr-4067	180	41	just	just	ADV
fsr-4067	180	42	over	over	ADP
fsr-4067	180	43	the	the	DET
fsr-4067	180	44	age	age	NOUN
fsr-4067	180	45	of	of	ADP
fsr-4067	180	46	80	80	NUM
fsr-4067	180	47	)	)	PUNCT
fsr-4067	180	48	figure	figure	NOUN
fsr-4067	180	49	3	3	NUM
fsr-4067	180	50	.	.	PUNCT
fsr-4067	180	51	investing	invest	VERB
fsr-4067	180	52	due	due	ADP
fsr-4067	180	53	to	to	ADP
fsr-4067	180	54	peer	peer	NOUN
fsr-4067	180	55	influence	influence	NOUN
fsr-4067	180	56	by	by	ADP
fsr-4067	180	57	age	age	NOUN
fsr-4067	180	58	figure	figure	NOUN
fsr-4067	180	59	4	4	NUM
fsr-4067	180	60	.	.	PUNCT
fsr-4067	180	61	percentage	percentage	NOUN
fsr-4067	180	62	of	of	ADP
fsr-4067	180	63	respondents	respondent	NOUN
fsr-4067	180	64	who	who	PRON
fsr-4067	180	65	made	make	VERB
fsr-4067	180	66	purchases	purchase	NOUN
fsr-4067	180	67	on	on	ADP
fsr-4067	180	68	margin	margin	NOUN
fsr-4067	180	69	by	by	ADP
fsr-4067	180	70	age	age	NOUN
fsr-4067	180	71	financial	financial	PROPN
fsr-4067	180	72	services	service	NOUN
fsr-4067	180	73	review	review	NOUN
fsr-4067	180	74	,	,	PUNCT
fsr-4067	180	75	33(2	33(2	NUM
fsr-4067	180	76	)	)	PUNCT
fsr-4067	180	77	65	65	NUM
fsr-4067	180	78	probit	probit	NOUN
fsr-4067	180	79	model	model	NOUN
fsr-4067	180	80	results	result	VERB
fsr-4067	180	81	marginal	marginal	ADJ
fsr-4067	180	82	effects	effect	NOUN
fsr-4067	180	83	estimated	estimate	VERB
fsr-4067	180	84	from	from	ADP
fsr-4067	180	85	a	a	DET
fsr-4067	180	86	probit	probit	NOUN
fsr-4067	180	87	regression	regression	NOUN
fsr-4067	180	88	model	model	NOUN
fsr-4067	180	89	can	can	AUX
fsr-4067	180	90	be	be	AUX
fsr-4067	180	91	found	find	VERB
fsr-4067	180	92	in	in	ADP
fsr-4067	180	93	table	table	NOUN
fsr-4067	180	94	2	2	NUM
fsr-4067	180	95	.	.	PUNCT
fsr-4067	181	1	among	among	ADP
fsr-4067	181	2	the	the	DET
fsr-4067	181	3	variables	variable	NOUN
fsr-4067	181	4	included	include	VERB
fsr-4067	181	5	in	in	ADP
fsr-4067	181	6	the	the	DET
fsr-4067	181	7	model	model	NOUN
fsr-4067	181	8	,	,	PUNCT
fsr-4067	181	9	peer	peer	NOUN
fsr-4067	181	10	influence	influence	NOUN
fsr-4067	181	11	appears	appear	VERB
fsr-4067	181	12	to	to	PART
fsr-4067	181	13	have	have	VERB
fsr-4067	181	14	one	one	NUM
fsr-4067	181	15	of	of	ADP
fsr-4067	181	16	the	the	DET
fsr-4067	181	17	most	most	ADV
fsr-4067	181	18	substantive	substantive	ADJ
fsr-4067	181	19	associations	association	NOUN
fsr-4067	181	20	with	with	ADP
fsr-4067	181	21	making	make	VERB
fsr-4067	181	22	margin	margin	NOUN
fsr-4067	181	23	purchases	purchase	NOUN
fsr-4067	181	24	.	.	PUNCT
fsr-4067	182	1	relative	relative	ADJ
fsr-4067	182	2	to	to	ADP
fsr-4067	182	3	those	those	PRON
fsr-4067	182	4	who	who	PRON
fsr-4067	182	5	considered	consider	VERB
fsr-4067	182	6	peer	peer	NOUN
fsr-4067	182	7	influence	influence	NOUN
fsr-4067	182	8	to	to	PART
fsr-4067	182	9	“	"	PUNCT
fsr-4067	182	10	not	not	PART
fsr-4067	182	11	at	at	ADV
fsr-4067	182	12	all	all	ADV
fsr-4067	182	13	”	"	PUNCT
fsr-4067	182	14	describe	describe	VERB
fsr-4067	182	15	why	why	SCONJ
fsr-4067	182	16	they	they	PRON
fsr-4067	182	17	invest	invest	VERB
fsr-4067	182	18	,	,	PUNCT
fsr-4067	182	19	those	those	PRON
fsr-4067	182	20	who	who	PRON
fsr-4067	182	21	stated	state	VERB
fsr-4067	182	22	“	"	PUNCT
fsr-4067	182	23	somewhat	somewhat	ADV
fsr-4067	182	24	”	"	PUNCT
fsr-4067	182	25	and	and	CCONJ
fsr-4067	182	26	“	"	PUNCT
fsr-4067	182	27	very	very	ADV
fsr-4067	182	28	well	well	ADV
fsr-4067	182	29	”	"	PUNCT
fsr-4067	182	30	had	have	VERB
fsr-4067	182	31	a	a	DET
fsr-4067	182	32	significantly	significantly	ADV
fsr-4067	182	33	higher	high	ADJ
fsr-4067	182	34	probability	probability	NOUN
fsr-4067	182	35	(	(	PUNCT
fsr-4067	182	36	0.096	0.096	NUM
fsr-4067	182	37	and	and	CCONJ
fsr-4067	182	38	0.163	0.163	NUM
fsr-4067	182	39	,	,	PUNCT
fsr-4067	182	40	respectively	respectively	ADV
fsr-4067	182	41	)	)	PUNCT
fsr-4067	182	42	of	of	ADP
fsr-4067	182	43	buying	buy	VERB
fsr-4067	182	44	on	on	ADP
fsr-4067	182	45	margin	margin	NOUN
fsr-4067	182	46	.	.	PUNCT
fsr-4067	183	1	especially	especially	ADV
fsr-4067	183	2	for	for	ADP
fsr-4067	183	3	those	those	PRON
fsr-4067	183	4	who	who	PRON
fsr-4067	183	5	selected	select	VERB
fsr-4067	183	6	“	"	PUNCT
fsr-4067	183	7	7	7	NUM
fsr-4067	183	8	strongly	strongly	ADV
fsr-4067	183	9	agree	agree	VERB
fsr-4067	183	10	”	"	PUNCT
fsr-4067	183	11	(	(	PUNCT
fsr-4067	183	12	0.136	0.136	NUM
fsr-4067	183	13	)	)	PUNCT
fsr-4067	183	14	,	,	PUNCT
fsr-4067	183	15	having	have	VERB
fsr-4067	183	16	too	too	ADV
fsr-4067	183	17	much	much	ADJ
fsr-4067	183	18	debt	debt	NOUN
fsr-4067	183	19	was	be	AUX
fsr-4067	183	20	associated	associate	VERB
fsr-4067	183	21	positively	positively	ADV
fsr-4067	183	22	with	with	ADP
fsr-4067	183	23	margin	margin	NOUN
fsr-4067	183	24	purchase	purchase	NOUN
fsr-4067	183	25	,	,	PUNCT
fsr-4067	183	26	as	as	SCONJ
fsr-4067	183	27	was	be	AUX
fsr-4067	183	28	non	non	ADJ
fsr-4067	183	29	-	-	ADJ
fsr-4067	183	30	retirement	retirement	ADJ
fsr-4067	183	31	account	account	NOUN
fsr-4067	183	32	value	value	NOUN
fsr-4067	183	33	.	.	PUNCT
fsr-4067	184	1	willingness	willingness	NOUN
fsr-4067	184	2	to	to	PART
fsr-4067	184	3	take	take	VERB
fsr-4067	184	4	risk	risk	NOUN
fsr-4067	184	5	was	be	AUX
fsr-4067	184	6	positively	positively	ADV
fsr-4067	184	7	associated	associate	VERB
fsr-4067	184	8	with	with	ADP
fsr-4067	184	9	buying	buy	VERB
fsr-4067	184	10	on	on	ADP
fsr-4067	184	11	margin	margin	NOUN
fsr-4067	184	12	,	,	PUNCT
fsr-4067	184	13	though	though	SCONJ
fsr-4067	184	14	only	only	ADV
fsr-4067	184	15	at	at	ADP
fsr-4067	184	16	the	the	DET
fsr-4067	184	17	highest	high	ADJ
fsr-4067	184	18	selfreported	selfreporte	VERB
fsr-4067	184	19	levels	level	NOUN
fsr-4067	184	20	of	of	ADP
fsr-4067	184	21	risk	risk	NOUN
fsr-4067	184	22	tolerance	tolerance	NOUN
fsr-4067	184	23	(	(	PUNCT
fsr-4067	184	24	4/5	4/5	NUM
fsr-4067	184	25	and	and	CCONJ
fsr-4067	184	26	5/5	5/5	NUM
fsr-4067	184	27	)	)	PUNCT
fsr-4067	184	28	.	.	PUNCT
fsr-4067	185	1	age	age	NOUN
fsr-4067	185	2	was	be	AUX
fsr-4067	185	3	associated	associate	VERB
fsr-4067	185	4	negatively	negatively	ADV
fsr-4067	185	5	with	with	ADP
fsr-4067	185	6	margin	margin	NOUN
fsr-4067	185	7	purchase	purchase	NOUN
fsr-4067	185	8	(	(	PUNCT
fsr-4067	185	9	-0.002	-0.002	PUNCT
fsr-4067	185	10	)	)	PUNCT
fsr-4067	185	11	at	at	ADP
fsr-4067	185	12	a	a	DET
fsr-4067	185	13	significant	significant	ADJ
fsr-4067	185	14	level	level	NOUN
fsr-4067	185	15	,	,	PUNCT
fsr-4067	185	16	as	as	SCONJ
fsr-4067	185	17	was	be	AUX
fsr-4067	185	18	being	be	AUX
fsr-4067	185	19	widowed	widow	VERB
fsr-4067	185	20	(	(	PUNCT
fsr-4067	185	21	-0.057	-0.057	ADJ
fsr-4067	185	22	)	)	PUNCT
fsr-4067	185	23	when	when	SCONJ
fsr-4067	185	24	compared	compare	VERB
fsr-4067	185	25	with	with	ADP
fsr-4067	185	26	being	be	AUX
fsr-4067	185	27	single	single	ADJ
fsr-4067	185	28	.	.	PUNCT
fsr-4067	186	1	no	no	DET
fsr-4067	186	2	significant	significant	ADJ
fsr-4067	186	3	results	result	NOUN
fsr-4067	186	4	were	be	AUX
fsr-4067	186	5	found	find	VERB
fsr-4067	186	6	based	base	VERB
fsr-4067	186	7	on	on	ADP
fsr-4067	186	8	gender	gender	NOUN
fsr-4067	186	9	or	or	CCONJ
fsr-4067	186	10	race	race	NOUN
fsr-4067	186	11	/	/	SYM
fsr-4067	186	12	ethnicity	ethnicity	NOUN
fsr-4067	186	13	.	.	PUNCT
fsr-4067	187	1	table	table	NOUN
fsr-4067	187	2	2	2	NUM
fsr-4067	187	3	.	.	PUNCT
fsr-4067	187	4	results	result	NOUN
fsr-4067	187	5	of	of	ADP
fsr-4067	187	6	probit	probit	NOUN
fsr-4067	187	7	model	model	NOUN
fsr-4067	187	8	of	of	ADP
fsr-4067	187	9	margin	margin	NOUN
fsr-4067	187	10	purchasing	purchasing	NOUN
fsr-4067	187	11	(	(	PUNCT
fsr-4067	187	12	marginal	marginal	ADJ
fsr-4067	187	13	effects	effect	NOUN
fsr-4067	187	14	)	)	PUNCT
fsr-4067	187	15	marg	marg	NOUN
fsr-4067	187	16	.	.	PUNCT
fsr-4067	188	1	eff./	eff./	NOUN
fsr-4067	188	2	(	(	PUNCT
fsr-4067	188	3	std	std	PROPN
fsr-4067	188	4	.	.	PUNCT
fsr-4067	188	5	err	err	PROPN
fsr-4067	188	6	.	.	PUNCT
fsr-4067	188	7	)	)	PUNCT
fsr-4067	189	1	why	why	SCONJ
fsr-4067	189	2	invest	inv	ADJ
fsr-4067	189	3	:	:	PUNCT
fsr-4067	189	4	peer	peer	NOUN
fsr-4067	189	5	influence	influence	NOUN
fsr-4067	189	6	not	not	PART
fsr-4067	189	7	at	at	ADV
fsr-4067	189	8	all	all	ADV
fsr-4067	189	9	(	(	PUNCT
fsr-4067	189	10	ref	ref	NOUN
fsr-4067	189	11	.	.	PUNCT
fsr-4067	189	12	)	)	PUNCT
fsr-4067	190	1	somewhat	somewhat	ADV
fsr-4067	190	2	0.099	0.099	NUM
fsr-4067	190	3	*	*	PUNCT
fsr-4067	190	4	*	*	PUNCT
fsr-4067	190	5	*	*	PUNCT
fsr-4067	190	6	(	(	PUNCT
fsr-4067	190	7	0.020	0.020	NUM
fsr-4067	190	8	)	)	PUNCT
fsr-4067	190	9	very	very	ADV
fsr-4067	190	10	well	well	ADV
fsr-4067	190	11	0.167	0.167	NUM
fsr-4067	190	12	*	*	PUNCT
fsr-4067	190	13	*	*	PUNCT
fsr-4067	190	14	*	*	PUNCT
fsr-4067	190	15	(	(	PUNCT
fsr-4067	190	16	0.032	0.032	NUM
fsr-4067	190	17	)	)	PUNCT
fsr-4067	190	18	investment	investment	NOUN
fsr-4067	190	19	literacy	literacy	NOUN
fsr-4067	190	20	score	score	NOUN
fsr-4067	190	21	0.007	0.007	NUM
fsr-4067	190	22	*	*	PUNCT
fsr-4067	190	23	*	*	PUNCT
fsr-4067	190	24	(	(	PUNCT
fsr-4067	190	25	0.003	0.003	NUM
fsr-4067	190	26	)	)	PUNCT
fsr-4067	190	27	expected	expect	VERB
fsr-4067	190	28	relative	relative	ADJ
fsr-4067	190	29	portfolio	portfolio	NOUN
fsr-4067	190	30	return	return	VERB
fsr-4067	190	31	worse	bad	ADJ
fsr-4067	190	32	than	than	ADP
fsr-4067	190	33	market	market	NOUN
fsr-4067	190	34	(	(	PUNCT
fsr-4067	190	35	ref	ref	NOUN
fsr-4067	190	36	.	.	PUNCT
fsr-4067	190	37	)	)	PUNCT
fsr-4067	191	1	same	same	ADJ
fsr-4067	191	2	as	as	ADP
fsr-4067	191	3	market	market	NOUN
fsr-4067	191	4	0.000	0.000	NUM
fsr-4067	191	5	(	(	PUNCT
fsr-4067	191	6	0.025	0.025	NUM
fsr-4067	191	7	)	)	PUNCT
fsr-4067	191	8	better	well	ADJ
fsr-4067	191	9	than	than	ADP
fsr-4067	191	10	market	market	NOUN
fsr-4067	191	11	0.045	0.045	NUM
fsr-4067	191	12	(	(	PUNCT
fsr-4067	191	13	0.026	0.026	NUM
fsr-4067	191	14	)	)	PUNCT
fsr-4067	192	1	i	i	PRON
fsr-4067	192	2	have	have	VERB
fsr-4067	192	3	too	too	ADV
fsr-4067	192	4	much	much	ADJ
fsr-4067	192	5	debt	debt	NOUN
fsr-4067	192	6	right	right	ADV
fsr-4067	192	7	now	now	ADV
fsr-4067	192	8	1	1	NUM
fsr-4067	192	9	(	(	PUNCT
fsr-4067	192	10	strongly	strongly	ADV
fsr-4067	192	11	disagree	disagree	VERB
fsr-4067	192	12	)	)	PUNCT
fsr-4067	192	13	(	(	PUNCT
fsr-4067	192	14	ref	ref	NOUN
fsr-4067	192	15	.	.	PUNCT
fsr-4067	192	16	)	)	PUNCT
fsr-4067	193	1	2	2	NUM
fsr-4067	193	2	0.023	0.023	NUM
fsr-4067	193	3	(	(	PUNCT
fsr-4067	193	4	0.025	0.025	NUM
fsr-4067	193	5	)	)	PUNCT
fsr-4067	193	6	3	3	NUM
fsr-4067	193	7	0.033	0.033	NUM
fsr-4067	193	8	(	(	PUNCT
fsr-4067	193	9	0.027	0.027	NUM
fsr-4067	193	10	)	)	PUNCT
fsr-4067	193	11	4	4	NUM
fsr-4067	193	12	0.048	0.048	NUM
fsr-4067	193	13	(	(	PUNCT
fsr-4067	193	14	0.025	0.025	NUM
fsr-4067	193	15	)	)	PUNCT
fsr-4067	193	16	5	5	NUM
fsr-4067	193	17	0.019	0.019	NUM
fsr-4067	193	18	(	(	PUNCT
fsr-4067	193	19	0.023	0.023	NUM
fsr-4067	193	20	)	)	PUNCT
fsr-4067	193	21	6	6	NUM
fsr-4067	193	22	0.059	0.059	NUM
fsr-4067	193	23	(	(	PUNCT
fsr-4067	193	24	0.037	0.037	NUM
fsr-4067	193	25	)	)	PUNCT
fsr-4067	193	26	7	7	NUM
fsr-4067	193	27	(	(	PUNCT
fsr-4067	193	28	strongly	strongly	ADV
fsr-4067	193	29	agree	agree	VERB
fsr-4067	193	30	)	)	PUNCT
fsr-4067	193	31	0.138	0.138	NUM
fsr-4067	194	1	*	*	PUNCT
fsr-4067	194	2	*	*	PUNCT
fsr-4067	194	3	*	*	PUNCT
fsr-4067	194	4	(	(	PUNCT
fsr-4067	194	5	0.034	0.034	NUM
fsr-4067	194	6	)	)	PUNCT
fsr-4067	194	7	willingness	willingness	NOUN
fsr-4067	194	8	to	to	PART
fsr-4067	194	9	take	take	VERB
fsr-4067	194	10	risk	risk	NOUN
fsr-4067	194	11	1	1	NUM
fsr-4067	194	12	(	(	PUNCT
fsr-4067	194	13	not	not	PART
fsr-4067	194	14	at	at	ADV
fsr-4067	194	15	all	all	ADV
fsr-4067	194	16	willing	willing	ADJ
fsr-4067	194	17	)	)	PUNCT
fsr-4067	194	18	(	(	PUNCT
fsr-4067	194	19	ref	ref	NOUN
fsr-4067	194	20	.	.	PUNCT
fsr-4067	194	21	)	)	PUNCT
fsr-4067	195	1	2	2	NUM
fsr-4067	195	2	-0.010	-0.010	X
fsr-4067	195	3	(	(	PUNCT
fsr-4067	195	4	0.022	0.022	NUM
fsr-4067	195	5	)	)	PUNCT
fsr-4067	195	6	3	3	NUM
fsr-4067	195	7	0.042	0.042	NUM
fsr-4067	195	8	financial	financial	ADJ
fsr-4067	195	9	services	service	NOUN
fsr-4067	195	10	review	review	NOUN
fsr-4067	195	11	,	,	PUNCT
fsr-4067	195	12	33(2	33(2	NUM
fsr-4067	195	13	)	)	PUNCT
fsr-4067	195	14	66	66	NUM
fsr-4067	195	15	(	(	PUNCT
fsr-4067	195	16	0.024	0.024	NUM
fsr-4067	195	17	)	)	PUNCT
fsr-4067	195	18	4	4	NUM
fsr-4067	195	19	0.070	0.070	NUM
fsr-4067	195	20	*	*	PUNCT
fsr-4067	195	21	*	*	PUNCT
fsr-4067	195	22	*	*	PUNCT
fsr-4067	195	23	(	(	PUNCT
fsr-4067	195	24	0.023	0.023	NUM
fsr-4067	195	25	)	)	PUNCT
fsr-4067	195	26	5	5	NUM
fsr-4067	195	27	(	(	PUNCT
fsr-4067	195	28	very	very	ADV
fsr-4067	195	29	willing	willing	ADJ
fsr-4067	195	30	)	)	PUNCT
fsr-4067	195	31	0.110	0.110	NUM
fsr-4067	195	32	*	*	PUNCT
fsr-4067	195	33	*	*	PUNCT
fsr-4067	195	34	*	*	PUNCT
fsr-4067	195	35	(	(	PUNCT
fsr-4067	195	36	0.028	0.028	NUM
fsr-4067	195	37	)	)	PUNCT
fsr-4067	195	38	non	non	ADJ
fsr-4067	195	39	-	-	ADJ
fsr-4067	195	40	retirement	retirement	ADJ
fsr-4067	195	41	account	account	NOUN
fsr-4067	195	42	value	value	NOUN
fsr-4067	195	43	<	<	X
fsr-4067	195	44	$	$	SYM
fsr-4067	195	45	2,000	2,000	NUM
fsr-4067	195	46	(	(	PUNCT
fsr-4067	195	47	ref	ref	NOUN
fsr-4067	195	48	.	.	PUNCT
fsr-4067	195	49	)	)	PUNCT
fsr-4067	196	1	$	$	SYM
fsr-4067	196	2	2,000-$5,000	2,000-$5,000	NUM
fsr-4067	196	3	0.024	0.024	NUM
fsr-4067	196	4	(	(	PUNCT
fsr-4067	196	5	0.016	0.016	NUM
fsr-4067	196	6	)	)	PUNCT
fsr-4067	196	7	$	$	SYM
fsr-4067	196	8	5,000-$10,000	5,000-$10,000	NUM
fsr-4067	196	9	0.076	0.076	NUM
fsr-4067	196	10	*	*	PUNCT
fsr-4067	196	11	*	*	PUNCT
fsr-4067	196	12	*	*	PUNCT
fsr-4067	196	13	(	(	PUNCT
fsr-4067	196	14	0.028	0.028	NUM
fsr-4067	196	15	)	)	PUNCT
fsr-4067	196	16	$	$	SYM
fsr-4067	196	17	10,000-$25,000	10,000-$25,000	NUM
fsr-4067	196	18	0.063	0.063	NUM
fsr-4067	196	19	*	*	PUNCT
fsr-4067	196	20	*	*	PUNCT
fsr-4067	196	21	*	*	PUNCT
fsr-4067	196	22	(	(	PUNCT
fsr-4067	196	23	0.023	0.023	NUM
fsr-4067	196	24	)	)	PUNCT
fsr-4067	196	25	$	$	SYM
fsr-4067	196	26	25,000	25,000	NUM
fsr-4067	196	27	-	-	SYM
fsr-4067	196	28	50,000	50,000	NUM
fsr-4067	196	29	0.062	0.062	NUM
fsr-4067	196	30	*	*	PUNCT
fsr-4067	196	31	*	*	PUNCT
fsr-4067	196	32	*	*	PUNCT
fsr-4067	196	33	(	(	PUNCT
fsr-4067	196	34	0.020	0.020	NUM
fsr-4067	196	35	)	)	PUNCT
fsr-4067	196	36	$	$	SYM
fsr-4067	196	37	50,000-$100,000	50,000-$100,000	NUM
fsr-4067	196	38	0.094	0.094	NUM
fsr-4067	196	39	*	*	PUNCT
fsr-4067	196	40	*	*	PUNCT
fsr-4067	196	41	*	*	PUNCT
fsr-4067	196	42	(	(	PUNCT
fsr-4067	196	43	0.019	0.019	NUM
fsr-4067	196	44	)	)	PUNCT
fsr-4067	196	45	$	$	SYM
fsr-4067	196	46	100,000-$250,000	100,000-$250,000	NUM
fsr-4067	196	47	0.107	0.107	NUM
fsr-4067	196	48	*	*	PUNCT
fsr-4067	196	49	*	*	PUNCT
fsr-4067	196	50	*	*	PUNCT
fsr-4067	196	51	(	(	PUNCT
fsr-4067	196	52	0.023	0.023	NUM
fsr-4067	196	53	)	)	PUNCT
fsr-4067	196	54	$	$	SYM
fsr-4067	196	55	250,000-$500,000	250,000-$500,000	NUM
fsr-4067	196	56	0.077	0.077	NUM
fsr-4067	196	57	*	*	PUNCT
fsr-4067	196	58	*	*	PUNCT
fsr-4067	196	59	*	*	PUNCT
fsr-4067	196	60	(	(	PUNCT
fsr-4067	196	61	0.020	0.020	NUM
fsr-4067	196	62	)	)	PUNCT
fsr-4067	196	63	$	$	SYM
fsr-4067	196	64	500,000-$1,000,000	500,000-$1,000,000	NUM
fsr-4067	196	65	0.119	0.119	NUM
fsr-4067	196	66	*	*	PUNCT
fsr-4067	196	67	*	*	PUNCT
fsr-4067	196	68	*	*	PUNCT
fsr-4067	196	69	(	(	PUNCT
fsr-4067	196	70	0.029	0.029	NUM
fsr-4067	196	71	)	)	PUNCT
fsr-4067	196	72	$	$	SYM
fsr-4067	196	73	1,000,000	1,000,000	NUM
fsr-4067	196	74	0.128	0.128	NUM
fsr-4067	196	75	*	*	PUNCT
fsr-4067	196	76	*	*	PUNCT
fsr-4067	196	77	*	*	PUNCT
fsr-4067	196	78	(	(	PUNCT
fsr-4067	196	79	0.030	0.030	NUM
fsr-4067	196	80	)	)	PUNCT
fsr-4067	196	81	gender	gender	NOUN
fsr-4067	196	82	male	male	NOUN
fsr-4067	196	83	(	(	PUNCT
fsr-4067	196	84	ref	ref	NOUN
fsr-4067	196	85	.	.	PUNCT
fsr-4067	196	86	)	)	PUNCT
fsr-4067	197	1	female	female	ADJ
fsr-4067	197	2	-0.005	-0.005	PUNCT
fsr-4067	197	3	(	(	PUNCT
fsr-4067	197	4	0.015	0.015	NUM
fsr-4067	197	5	)	)	PUNCT
fsr-4067	197	6	age	age	NOUN
fsr-4067	197	7	-0.002	-0.002	PUNCT
fsr-4067	198	1	*	*	PUNCT
fsr-4067	198	2	*	*	PUNCT
fsr-4067	198	3	*	*	PUNCT
fsr-4067	198	4	(	(	PUNCT
fsr-4067	198	5	0.001	0.001	NUM
fsr-4067	198	6	)	)	PUNCT
fsr-4067	198	7	race	race	NOUN
fsr-4067	198	8	/	/	SYM
fsr-4067	198	9	ethnicity	ethnicity	NOUN
fsr-4067	198	10	white	white	ADJ
fsr-4067	198	11	non	non	ADJ
fsr-4067	198	12	-	-	ADJ
fsr-4067	198	13	hispanic	hispanic	ADJ
fsr-4067	198	14	(	(	PUNCT
fsr-4067	198	15	ref	ref	NOUN
fsr-4067	198	16	.	.	PUNCT
fsr-4067	198	17	)	)	PUNCT
fsr-4067	199	1	black	black	ADJ
fsr-4067	199	2	non	non	ADJ
fsr-4067	199	3	-	-	ADJ
fsr-4067	199	4	hispanic	hispanic	ADJ
fsr-4067	199	5	0.021	0.021	NUM
fsr-4067	199	6	(	(	PUNCT
fsr-4067	199	7	0.027	0.027	NUM
fsr-4067	199	8	)	)	PUNCT
fsr-4067	199	9	hispanic	hispanic	NOUN
fsr-4067	199	10	(	(	PUNCT
fsr-4067	199	11	alone	alone	ADV
fsr-4067	199	12	or	or	CCONJ
fsr-4067	199	13	in	in	ADP
fsr-4067	199	14	combination	combination	NOUN
fsr-4067	199	15	)	)	PUNCT
fsr-4067	199	16	0.040	0.040	NUM
fsr-4067	199	17	(	(	PUNCT
fsr-4067	199	18	0.028	0.028	NUM
fsr-4067	199	19	)	)	PUNCT
fsr-4067	199	20	asian	asian	ADJ
fsr-4067	199	21	/	/	SYM
fsr-4067	199	22	pacific	pacific	PROPN
fsr-4067	199	23	islander	islander	PROPN
fsr-4067	199	24	non	non	ADJ
fsr-4067	199	25	-	-	ADJ
fsr-4067	199	26	hispanic	hispanic	ADJ
fsr-4067	199	27	0.009	0.009	NUM
fsr-4067	199	28	(	(	PUNCT
fsr-4067	199	29	0.024	0.024	NUM
fsr-4067	199	30	)	)	PUNCT
fsr-4067	199	31	other	other	ADJ
fsr-4067	199	32	non	non	ADJ
fsr-4067	199	33	-	-	ADJ
fsr-4067	199	34	hispanic	hispanic	ADJ
fsr-4067	199	35	0.004	0.004	NUM
fsr-4067	199	36	(	(	PUNCT
fsr-4067	199	37	0.041	0.041	NUM
fsr-4067	199	38	)	)	PUNCT
fsr-4067	199	39	marital	marital	ADJ
fsr-4067	199	40	status	status	NOUN
fsr-4067	199	41	single	single	ADJ
fsr-4067	199	42	(	(	PUNCT
fsr-4067	199	43	ref	ref	NOUN
fsr-4067	199	44	.	.	PUNCT
fsr-4067	199	45	)	)	PUNCT
fsr-4067	199	46	married	marry	VERB
fsr-4067	199	47	0.020	0.020	NUM
fsr-4067	199	48	(	(	PUNCT
fsr-4067	199	49	0.015	0.015	NUM
fsr-4067	199	50	)	)	PUNCT
fsr-4067	199	51	divorced	divorce	VERB
fsr-4067	199	52	/	/	PUNCT
fsr-4067	199	53	separated	separate	VERB
fsr-4067	199	54	0.021	0.021	NUM
fsr-4067	199	55	(	(	PUNCT
fsr-4067	199	56	0.028	0.028	NUM
fsr-4067	199	57	)	)	PUNCT
fsr-4067	199	58	widowed	widow	VERB
fsr-4067	199	59	-0.056	-0.056	PROPN
fsr-4067	199	60	*	*	PUNCT
fsr-4067	199	61	(	(	PUNCT
fsr-4067	199	62	0.023	0.023	NUM
fsr-4067	199	63	)	)	PUNCT
fsr-4067	199	64	note	note	NOUN
fsr-4067	199	65	:	:	PUNCT
fsr-4067	199	66	data	datum	NOUN
fsr-4067	199	67	from	from	ADP
fsr-4067	199	68	the	the	DET
fsr-4067	199	69	2021	2021	NUM
fsr-4067	199	70	nfcs	nfc	NOUN
fsr-4067	199	71	investor	investor	NOUN
fsr-4067	199	72	and	and	CCONJ
fsr-4067	199	73	state	state	NOUN
fsr-4067	199	74	-	-	PUNCT
fsr-4067	199	75	by	by	ADP
fsr-4067	199	76	-	-	PUNCT
fsr-4067	199	77	state	state	NOUN
fsr-4067	199	78	surveys	survey	NOUN
fsr-4067	199	79	.	.	PUNCT
fsr-4067	200	1	*	*	PUNCT
fsr-4067	201	1	*	*	PUNCT
fsr-4067	201	2	*	*	PUNCT
fsr-4067	201	3	p	p	X
fsr-4067	201	4	<	<	X
fsr-4067	201	5	0.001	0.001	NUM
fsr-4067	201	6	;	;	PUNCT
fsr-4067	201	7	*	*	PUNCT
fsr-4067	201	8	*	*	PUNCT
fsr-4067	201	9	p	p	X
fsr-4067	201	10	<	<	X
fsr-4067	201	11	0.01	0.01	NUM
fsr-4067	201	12	*	*	PUNCT
fsr-4067	201	13	p	p	X
fsr-4067	201	14	<	<	X
fsr-4067	201	15	0.05	0.05	NUM
fsr-4067	201	16	financial	financial	ADJ
fsr-4067	201	17	services	service	NOUN
fsr-4067	201	18	review	review	NOUN
fsr-4067	201	19	,	,	PUNCT
fsr-4067	201	20	33(2	33(2	NUM
fsr-4067	201	21	)	)	PUNCT
fsr-4067	201	22	67	67	NUM
fsr-4067	201	23	discussion	discussion	NOUN
fsr-4067	201	24	in	in	ADP
fsr-4067	201	25	several	several	ADJ
fsr-4067	201	26	respects	respect	NOUN
fsr-4067	201	27	,	,	PUNCT
fsr-4067	201	28	the	the	DET
fsr-4067	201	29	decision	decision	NOUN
fsr-4067	201	30	to	to	PART
fsr-4067	201	31	make	make	VERB
fsr-4067	201	32	purchases	purchase	NOUN
fsr-4067	201	33	on	on	ADP
fsr-4067	201	34	margin	margin	NOUN
fsr-4067	201	35	is	be	AUX
fsr-4067	201	36	not	not	PART
fsr-4067	201	37	unlike	unlike	ADP
fsr-4067	201	38	the	the	DET
fsr-4067	201	39	decision	decision	NOUN
fsr-4067	201	40	to	to	PART
fsr-4067	201	41	make	make	VERB
fsr-4067	201	42	a	a	DET
fsr-4067	201	43	real	real	ADJ
fsr-4067	201	44	estate	estate	NOUN
fsr-4067	201	45	investment	investment	NOUN
fsr-4067	201	46	,	,	PUNCT
fsr-4067	201	47	where	where	SCONJ
fsr-4067	201	48	one	one	PRON
fsr-4067	201	49	borrows	borrow	VERB
fsr-4067	201	50	to	to	PART
fsr-4067	201	51	purchase	purchase	VERB
fsr-4067	201	52	a	a	DET
fsr-4067	201	53	property	property	NOUN
fsr-4067	201	54	.	.	PUNCT
fsr-4067	202	1	the	the	DET
fsr-4067	202	2	appropriateness	appropriateness	NOUN
fsr-4067	202	3	of	of	ADP
fsr-4067	202	4	such	such	DET
fsr-4067	202	5	an	an	DET
fsr-4067	202	6	investment	investment	NOUN
fsr-4067	202	7	would	would	AUX
fsr-4067	202	8	be	be	AUX
fsr-4067	202	9	determined	determine	VERB
fsr-4067	202	10	by	by	ADP
fsr-4067	202	11	the	the	DET
fsr-4067	202	12	characteristics	characteristic	NOUN
fsr-4067	202	13	of	of	ADP
fsr-4067	202	14	the	the	DET
fsr-4067	202	15	property	property	NOUN
fsr-4067	202	16	as	as	ADV
fsr-4067	202	17	well	well	ADV
fsr-4067	202	18	as	as	ADP
fsr-4067	202	19	the	the	DET
fsr-4067	202	20	terms	term	NOUN
fsr-4067	202	21	of	of	ADP
fsr-4067	202	22	the	the	DET
fsr-4067	202	23	loan	loan	NOUN
fsr-4067	202	24	.	.	PUNCT
fsr-4067	203	1	certainly	certainly	ADV
fsr-4067	203	2	,	,	PUNCT
fsr-4067	203	3	using	use	VERB
fsr-4067	203	4	debt	debt	NOUN
fsr-4067	203	5	to	to	PART
fsr-4067	203	6	buy	buy	VERB
fsr-4067	203	7	real	real	ADJ
fsr-4067	203	8	estate	estate	NOUN
fsr-4067	203	9	(	(	PUNCT
fsr-4067	203	10	as	as	SCONJ
fsr-4067	203	11	opposed	oppose	VERB
fsr-4067	203	12	to	to	ADP
fsr-4067	203	13	an	an	DET
fsr-4067	203	14	outright	outright	ADJ
fsr-4067	203	15	cash	cash	NOUN
fsr-4067	203	16	purchase	purchase	NOUN
fsr-4067	203	17	)	)	PUNCT
fsr-4067	203	18	increases	increase	VERB
fsr-4067	203	19	the	the	DET
fsr-4067	203	20	risk	risk	NOUN
fsr-4067	203	21	and	and	CCONJ
fsr-4067	203	22	opportunity	opportunity	NOUN
fsr-4067	203	23	of	of	ADP
fsr-4067	203	24	owning	own	VERB
fsr-4067	203	25	the	the	DET
fsr-4067	203	26	property	property	NOUN
fsr-4067	203	27	,	,	PUNCT
fsr-4067	203	28	but	but	CCONJ
fsr-4067	203	29	it	it	PRON
fsr-4067	203	30	would	would	AUX
fsr-4067	203	31	be	be	AUX
fsr-4067	203	32	unreasonable	unreasonable	ADJ
fsr-4067	203	33	to	to	PART
fsr-4067	203	34	assume	assume	VERB
fsr-4067	203	35	that	that	SCONJ
fsr-4067	203	36	an	an	DET
fsr-4067	203	37	investor	investor	NOUN
fsr-4067	203	38	is	be	AUX
fsr-4067	203	39	savvy	savvy	ADJ
fsr-4067	203	40	or	or	CCONJ
fsr-4067	203	41	ignorant	ignorant	ADJ
fsr-4067	203	42	without	without	ADP
fsr-4067	203	43	considering	consider	VERB
fsr-4067	203	44	all	all	PRON
fsr-4067	203	45	of	of	ADP
fsr-4067	203	46	the	the	DET
fsr-4067	203	47	details	detail	NOUN
fsr-4067	203	48	of	of	ADP
fsr-4067	203	49	an	an	DET
fsr-4067	203	50	investment	investment	NOUN
fsr-4067	203	51	.	.	PUNCT
fsr-4067	204	1	in	in	ADP
fsr-4067	204	2	a	a	DET
fsr-4067	204	3	similar	similar	ADJ
fsr-4067	204	4	vein	vein	NOUN
fsr-4067	204	5	,	,	PUNCT
fsr-4067	204	6	both	both	PRON
fsr-4067	204	7	a	a	DET
fsr-4067	204	8	well	well	ADV
fsr-4067	204	9	-	-	PUNCT
fsr-4067	204	10	informed	inform	VERB
fsr-4067	204	11	and	and	CCONJ
fsr-4067	204	12	an	an	DET
fsr-4067	204	13	ignorant	ignorant	ADJ
fsr-4067	204	14	investor	investor	NOUN
fsr-4067	204	15	may	may	AUX
fsr-4067	204	16	use	use	VERB
fsr-4067	204	17	margin	margin	NOUN
fsr-4067	204	18	to	to	PART
fsr-4067	204	19	pursue	pursue	VERB
fsr-4067	204	20	their	their	PRON
fsr-4067	204	21	goals	goal	NOUN
fsr-4067	204	22	,	,	PUNCT
fsr-4067	204	23	though	though	SCONJ
fsr-4067	204	24	likely	likely	ADV
fsr-4067	204	25	with	with	ADP
fsr-4067	204	26	differing	differ	VERB
fsr-4067	204	27	outcomes	outcome	NOUN
fsr-4067	204	28	.	.	PUNCT
fsr-4067	205	1	making	make	VERB
fsr-4067	205	2	investment	investment	NOUN
fsr-4067	205	3	or	or	CCONJ
fsr-4067	205	4	debt	debt	NOUN
fsr-4067	205	5	decisions	decision	NOUN
fsr-4067	205	6	based	base	VERB
fsr-4067	205	7	on	on	ADP
fsr-4067	205	8	peer	peer	NOUN
fsr-4067	205	9	influence	influence	NOUN
fsr-4067	205	10	is	be	AUX
fsr-4067	205	11	likely	likely	ADJ
fsr-4067	205	12	to	to	PART
fsr-4067	205	13	result	result	VERB
fsr-4067	205	14	in	in	ADP
fsr-4067	205	15	biased	biased	ADJ
fsr-4067	205	16	decisions	decision	NOUN
fsr-4067	205	17	where	where	SCONJ
fsr-4067	205	18	risks	risk	NOUN
fsr-4067	205	19	and	and	CCONJ
fsr-4067	205	20	opportunities	opportunity	NOUN
fsr-4067	205	21	are	be	AUX
fsr-4067	205	22	misunderstood	misunderstood	ADJ
fsr-4067	205	23	and	and	CCONJ
fsr-4067	205	24	where	where	SCONJ
fsr-4067	205	25	the	the	DET
fsr-4067	205	26	information	information	NOUN
fsr-4067	205	27	received	receive	VERB
fsr-4067	205	28	from	from	ADP
fsr-4067	205	29	peers	peer	NOUN
fsr-4067	205	30	is	be	AUX
fsr-4067	205	31	seen	see	VERB
fsr-4067	205	32	to	to	PART
fsr-4067	205	33	be	be	AUX
fsr-4067	205	34	more	more	ADV
fsr-4067	205	35	reliable	reliable	ADJ
fsr-4067	205	36	or	or	CCONJ
fsr-4067	205	37	comprehensive	comprehensive	ADJ
fsr-4067	205	38	than	than	SCONJ
fsr-4067	205	39	it	it	PRON
fsr-4067	205	40	actually	actually	ADV
fsr-4067	205	41	is	be	AUX
fsr-4067	205	42	.	.	PUNCT
fsr-4067	206	1	in	in	ADP
fsr-4067	206	2	agreement	agreement	NOUN
fsr-4067	206	3	with	with	ADP
fsr-4067	206	4	observed	observed	ADJ
fsr-4067	206	5	trends	trend	NOUN
fsr-4067	206	6	in	in	ADP
fsr-4067	206	7	the	the	DET
fsr-4067	206	8	descriptive	descriptive	ADJ
fsr-4067	206	9	statistics	statistic	NOUN
fsr-4067	206	10	and	and	CCONJ
fsr-4067	206	11	correlation	correlation	NOUN
fsr-4067	206	12	matrix	matrix	NOUN
fsr-4067	206	13	(	(	PUNCT
fsr-4067	206	14	see	see	VERB
fsr-4067	206	15	appendix	appendix	NOUN
fsr-4067	206	16	b	b	NOUN
fsr-4067	206	17	)	)	PUNCT
fsr-4067	206	18	,	,	PUNCT
fsr-4067	206	19	a	a	DET
fsr-4067	206	20	strong	strong	ADJ
fsr-4067	206	21	positive	positive	ADJ
fsr-4067	206	22	association	association	NOUN
fsr-4067	206	23	between	between	ADP
fsr-4067	206	24	peer	peer	NOUN
fsr-4067	206	25	influence	influence	NOUN
fsr-4067	206	26	and	and	CCONJ
fsr-4067	206	27	buying	buy	VERB
fsr-4067	206	28	on	on	ADP
fsr-4067	206	29	margin	margin	NOUN
fsr-4067	206	30	was	be	AUX
fsr-4067	206	31	found	find	VERB
fsr-4067	206	32	when	when	SCONJ
fsr-4067	206	33	controlling	control	VERB
fsr-4067	206	34	for	for	ADP
fsr-4067	206	35	other	other	ADJ
fsr-4067	206	36	key	key	ADJ
fsr-4067	206	37	variables	variable	NOUN
fsr-4067	206	38	.	.	PUNCT
fsr-4067	207	1	as	as	ADP
fsr-4067	207	2	making	make	VERB
fsr-4067	207	3	purchases	purchase	NOUN
fsr-4067	207	4	on	on	ADP
fsr-4067	207	5	margin	margin	NOUN
fsr-4067	207	6	is	be	AUX
fsr-4067	207	7	both	both	CCONJ
fsr-4067	207	8	an	an	DET
fsr-4067	207	9	investment	investment	NOUN
fsr-4067	207	10	and	and	CCONJ
fsr-4067	207	11	a	a	DET
fsr-4067	207	12	debt	debt	NOUN
fsr-4067	207	13	decision	decision	NOUN
fsr-4067	207	14	,	,	PUNCT
fsr-4067	207	15	each	each	PRON
fsr-4067	207	16	of	of	ADP
fsr-4067	207	17	these	these	DET
fsr-4067	207	18	factors	factor	NOUN
fsr-4067	207	19	is	be	AUX
fsr-4067	207	20	likely	likely	ADJ
fsr-4067	207	21	at	at	ADP
fsr-4067	207	22	play	play	NOUN
fsr-4067	207	23	.	.	PUNCT
fsr-4067	208	1	the	the	DET
fsr-4067	208	2	substantive	substantive	ADJ
fsr-4067	208	3	,	,	PUNCT
fsr-4067	208	4	positive	positive	ADJ
fsr-4067	208	5	association	association	NOUN
fsr-4067	208	6	found	find	VERB
fsr-4067	208	7	in	in	ADP
fsr-4067	208	8	this	this	DET
fsr-4067	208	9	study	study	NOUN
fsr-4067	208	10	aligns	align	VERB
fsr-4067	208	11	with	with	ADP
fsr-4067	208	12	previous	previous	ADJ
fsr-4067	208	13	findings	finding	NOUN
fsr-4067	208	14	,	,	PUNCT
fsr-4067	208	15	which	which	PRON
fsr-4067	208	16	suggest	suggest	VERB
fsr-4067	208	17	that	that	SCONJ
fsr-4067	208	18	there	there	PRON
fsr-4067	208	19	are	be	VERB
fsr-4067	208	20	ties	tie	NOUN
fsr-4067	208	21	between	between	ADP
fsr-4067	208	22	reliance	reliance	NOUN
fsr-4067	208	23	on	on	ADP
fsr-4067	208	24	peer	peer	NOUN
fsr-4067	208	25	influence	influence	NOUN
fsr-4067	208	26	(	(	PUNCT
fsr-4067	208	27	i.e.	i.e.	X
fsr-4067	208	28	,	,	PUNCT
fsr-4067	208	29	peer	peer	NOUN
fsr-4067	208	30	effect	effect	NOUN
fsr-4067	208	31	,	,	PUNCT
fsr-4067	208	32	social	social	ADJ
fsr-4067	208	33	influence	influence	NOUN
fsr-4067	208	34	,	,	PUNCT
fsr-4067	208	35	herding	herding	NOUN
fsr-4067	208	36	)	)	PUNCT
fsr-4067	208	37	and	and	CCONJ
fsr-4067	208	38	risky	risky	ADJ
fsr-4067	208	39	investment	investment	NOUN
fsr-4067	208	40	behavior	behavior	NOUN
fsr-4067	208	41	(	(	PUNCT
fsr-4067	208	42	frydman	frydman	ADJ
fsr-4067	208	43	,	,	PUNCT
fsr-4067	208	44	2015	2015	NUM
fsr-4067	208	45	;	;	PUNCT
fsr-4067	208	46	mylonidis	mylonidis	NOUN
fsr-4067	208	47	&	&	CCONJ
fsr-4067	208	48	oikonomou	oikonomou	PROPN
fsr-4067	208	49	et	et	PROPN
fsr-4067	208	50	al	al	PROPN
fsr-4067	208	51	.	.	PROPN
fsr-4067	208	52	,	,	PUNCT
fsr-4067	208	53	2021	2021	NUM
fsr-4067	208	54	)	)	PUNCT
fsr-4067	208	55	as	as	ADV
fsr-4067	208	56	well	well	ADV
fsr-4067	208	57	as	as	ADP
fsr-4067	208	58	increased	increase	VERB
fsr-4067	208	59	borrowing	borrowing	NOUN
fsr-4067	208	60	(	(	PUNCT
fsr-4067	208	61	berlemann	berlemann	PROPN
fsr-4067	208	62	&	&	CCONJ
fsr-4067	208	63	salland	salland	PROPN
fsr-4067	208	64	,	,	PUNCT
fsr-4067	208	65	2016	2016	NUM
fsr-4067	208	66	;	;	PUNCT
fsr-4067	208	67	georgarakos	georgarakos	NOUN
fsr-4067	208	68	et	et	PROPN
fsr-4067	208	69	al	al	PROPN
fsr-4067	208	70	.	.	PROPN
fsr-4067	208	71	,	,	PUNCT
fsr-4067	208	72	2014	2014	NUM
fsr-4067	208	73	)	)	PUNCT
fsr-4067	208	74	.	.	PUNCT
fsr-4067	209	1	this	this	PRON
fsr-4067	209	2	is	be	AUX
fsr-4067	209	3	concerning	concern	VERB
fsr-4067	209	4	,	,	PUNCT
fsr-4067	209	5	as	as	SCONJ
fsr-4067	209	6	such	such	ADJ
fsr-4067	209	7	reliance	reliance	NOUN
fsr-4067	209	8	may	may	AUX
fsr-4067	209	9	be	be	AUX
fsr-4067	209	10	accompanied	accompany	VERB
fsr-4067	209	11	by	by	ADP
fsr-4067	209	12	inferior	inferior	ADJ
fsr-4067	209	13	financial	financial	ADJ
fsr-4067	209	14	outcomes	outcome	NOUN
fsr-4067	209	15	.	.	PUNCT
fsr-4067	210	1	in	in	ADP
fsr-4067	210	2	addition	addition	NOUN
fsr-4067	210	3	,	,	PUNCT
fsr-4067	210	4	confirming	confirm	VERB
fsr-4067	210	5	the	the	DET
fsr-4067	210	6	findings	finding	NOUN
fsr-4067	210	7	xu	xu	PROPN
fsr-4067	210	8	(	(	PUNCT
fsr-4067	210	9	2023	2023	NUM
fsr-4067	210	10	)	)	PUNCT
fsr-4067	210	11	which	which	PRON
fsr-4067	210	12	found	find	VERB
fsr-4067	210	13	that	that	SCONJ
fsr-4067	210	14	investors	investor	NOUN
fsr-4067	210	15	feel	feel	VERB
fsr-4067	210	16	more	more	ADV
fsr-4067	210	17	certainty	certainty	NOUN
fsr-4067	210	18	about	about	ADP
fsr-4067	210	19	their	their	PRON
fsr-4067	210	20	investment	investment	NOUN
fsr-4067	210	21	decisions	decision	NOUN
fsr-4067	210	22	when	when	SCONJ
fsr-4067	210	23	they	they	PRON
fsr-4067	210	24	imitate	imitate	VERB
fsr-4067	210	25	their	their	PRON
fsr-4067	210	26	peers	peer	NOUN
fsr-4067	210	27	,	,	PUNCT
fsr-4067	210	28	it	it	PRON
fsr-4067	210	29	is	be	AUX
fsr-4067	210	30	unsurprising	unsurprising	ADJ
fsr-4067	210	31	to	to	PART
fsr-4067	210	32	see	see	VERB
fsr-4067	210	33	that	that	DET
fsr-4067	210	34	peer	peer	NOUN
fsr-4067	210	35	influence	influence	NOUN
fsr-4067	210	36	and	and	CCONJ
fsr-4067	210	37	confidence	confidence	NOUN
fsr-4067	210	38	in	in	ADP
fsr-4067	210	39	one	one	NUM
fsr-4067	210	40	's	's	PART
fsr-4067	210	41	ability	ability	NOUN
fsr-4067	210	42	to	to	PART
fsr-4067	210	43	outperform	outperform	VERB
fsr-4067	210	44	the	the	DET
fsr-4067	210	45	market	market	NOUN
fsr-4067	210	46	are	be	AUX
fsr-4067	210	47	positively	positively	ADV
fsr-4067	210	48	correlated	correlate	VERB
fsr-4067	210	49	(	(	PUNCT
fsr-4067	210	50	appendix	appendix	NOUN
fsr-4067	210	51	b	b	NOUN
fsr-4067	210	52	)	)	PUNCT
fsr-4067	210	53	.	.	PUNCT
fsr-4067	211	1	there	there	PRON
fsr-4067	211	2	is	be	VERB
fsr-4067	211	3	a	a	DET
fsr-4067	211	4	strong	strong	ADJ
fsr-4067	211	5	resemblance	resemblance	NOUN
fsr-4067	211	6	between	between	ADP
fsr-4067	211	7	figures	figure	NOUN
fsr-4067	211	8	3	3	NUM
fsr-4067	211	9	and	and	CCONJ
fsr-4067	211	10	4	4	NUM
fsr-4067	211	11	,	,	PUNCT
fsr-4067	211	12	which	which	PRON
fsr-4067	211	13	demonstrate	demonstrate	VERB
fsr-4067	211	14	the	the	DET
fsr-4067	211	15	relationship	relationship	NOUN
fsr-4067	211	16	between	between	ADP
fsr-4067	211	17	margin	margin	NOUN
fsr-4067	211	18	use	use	NOUN
fsr-4067	211	19	and	and	CCONJ
fsr-4067	211	20	age	age	NOUN
fsr-4067	211	21	,	,	PUNCT
fsr-4067	211	22	and	and	CCONJ
fsr-4067	211	23	peer	peer	NOUN
fsr-4067	211	24	influence	influence	NOUN
fsr-4067	211	25	and	and	CCONJ
fsr-4067	211	26	age	age	NOUN
fsr-4067	211	27	,	,	PUNCT
fsr-4067	211	28	respectively	respectively	ADV
fsr-4067	211	29	.	.	PUNCT
fsr-4067	212	1	marginal	marginal	ADJ
fsr-4067	212	2	effects	effect	NOUN
fsr-4067	212	3	estimated	estimate	VERB
fsr-4067	212	4	from	from	ADP
fsr-4067	212	5	a	a	DET
fsr-4067	212	6	probit	probit	NOUN
fsr-4067	212	7	model	model	NOUN
fsr-4067	212	8	indicate	indicate	VERB
fsr-4067	212	9	a	a	DET
fsr-4067	212	10	highly	highly	ADV
fsr-4067	212	11	significant	significant	ADJ
fsr-4067	212	12	,	,	PUNCT
fsr-4067	212	13	negative	negative	ADJ
fsr-4067	212	14	relationship	relationship	NOUN
fsr-4067	212	15	between	between	ADP
fsr-4067	212	16	margin	margin	NOUN
fsr-4067	212	17	use	use	NOUN
fsr-4067	212	18	and	and	CCONJ
fsr-4067	212	19	age	age	NOUN
fsr-4067	212	20	as	as	ADV
fsr-4067	212	21	well	well	ADV
fsr-4067	212	22	.	.	PUNCT
fsr-4067	213	1	at	at	ADP
fsr-4067	213	2	least	least	ADJ
fsr-4067	213	3	visibly	visibly	ADV
fsr-4067	213	4	,	,	PUNCT
fsr-4067	213	5	the	the	DET
fsr-4067	213	6	strongest	strong	ADJ
fsr-4067	213	7	correlations	correlation	NOUN
fsr-4067	213	8	found	find	VERB
fsr-4067	213	9	were	be	AUX
fsr-4067	213	10	between	between	ADP
fsr-4067	213	11	peer	peer	NOUN
fsr-4067	213	12	influence	influence	NOUN
fsr-4067	213	13	and	and	CCONJ
fsr-4067	213	14	age	age	NOUN
fsr-4067	213	15	,	,	PUNCT
fsr-4067	213	16	peer	peer	NOUN
fsr-4067	213	17	influence	influence	NOUN
fsr-4067	213	18	and	and	CCONJ
fsr-4067	213	19	buying	buy	VERB
fsr-4067	213	20	on	on	ADP
fsr-4067	213	21	margin	margin	NOUN
fsr-4067	213	22	,	,	PUNCT
fsr-4067	213	23	and	and	CCONJ
fsr-4067	213	24	age	age	NOUN
fsr-4067	213	25	and	and	CCONJ
fsr-4067	213	26	buying	buying	NOUN
fsr-4067	213	27	on	on	ADP
fsr-4067	213	28	margin	margin	NOUN
fsr-4067	213	29	(	(	PUNCT
fsr-4067	213	30	appendix	appendix	NOUN
fsr-4067	213	31	b	b	NOUN
fsr-4067	213	32	)	)	PUNCT
fsr-4067	213	33	.	.	PUNCT
fsr-4067	214	1	though	though	SCONJ
fsr-4067	214	2	no	no	DET
fsr-4067	214	3	significant	significant	ADJ
fsr-4067	214	4	results	result	NOUN
fsr-4067	214	5	appeared	appear	VERB
fsr-4067	214	6	in	in	ADP
fsr-4067	214	7	a	a	DET
fsr-4067	214	8	separate	separate	ADJ
fsr-4067	214	9	model	model	NOUN
fsr-4067	214	10	when	when	SCONJ
fsr-4067	214	11	including	include	VERB
fsr-4067	214	12	an	an	DET
fsr-4067	214	13	interaction	interaction	NOUN
fsr-4067	214	14	term	term	NOUN
fsr-4067	214	15	between	between	ADP
fsr-4067	214	16	peer	peer	NOUN
fsr-4067	214	17	influence	influence	NOUN
fsr-4067	214	18	and	and	CCONJ
fsr-4067	214	19	age	age	NOUN
fsr-4067	214	20	,	,	PUNCT
fsr-4067	214	21	these	these	PRON
fsr-4067	214	22	appear	appear	VERB
fsr-4067	214	23	to	to	PART
fsr-4067	214	24	be	be	AUX
fsr-4067	214	25	among	among	ADP
fsr-4067	214	26	the	the	DET
fsr-4067	214	27	most	most	ADV
fsr-4067	214	28	important	important	ADJ
fsr-4067	214	29	predictors	predictor	NOUN
fsr-4067	214	30	of	of	ADP
fsr-4067	214	31	making	make	VERB
fsr-4067	214	32	margin	margin	NOUN
fsr-4067	214	33	purchases	purchase	NOUN
fsr-4067	214	34	.	.	PUNCT
fsr-4067	215	1	in	in	ADP
fsr-4067	215	2	light	light	NOUN
fsr-4067	215	3	of	of	ADP
fsr-4067	215	4	other	other	ADJ
fsr-4067	215	5	findings	finding	NOUN
fsr-4067	215	6	,	,	PUNCT
fsr-4067	215	7	it	it	PRON
fsr-4067	215	8	is	be	AUX
fsr-4067	215	9	not	not	PART
fsr-4067	215	10	surprising	surprising	ADJ
fsr-4067	215	11	that	that	SCONJ
fsr-4067	215	12	these	these	DET
fsr-4067	215	13	younger	young	ADJ
fsr-4067	215	14	,	,	PUNCT
fsr-4067	215	15	less	less	ADV
fsr-4067	215	16	experienced	experienced	ADJ
fsr-4067	215	17	,	,	PUNCT
fsr-4067	215	18	more	more	ADV
fsr-4067	215	19	heavily	heavily	ADV
fsr-4067	215	20	peer	peer	NOUN
fsr-4067	215	21	-	-	PUNCT
fsr-4067	215	22	influenced	influence	VERB
fsr-4067	215	23	investors	investor	NOUN
fsr-4067	215	24	show	show	VERB
fsr-4067	215	25	a	a	DET
fsr-4067	215	26	higher	high	ADJ
fsr-4067	215	27	probability	probability	NOUN
fsr-4067	215	28	of	of	ADP
fsr-4067	215	29	borrowing	borrow	VERB
fsr-4067	215	30	on	on	ADP
fsr-4067	215	31	margin	margin	NOUN
fsr-4067	215	32	(	(	PUNCT
fsr-4067	215	33	charles	charles	PROPN
fsr-4067	215	34	et	et	PROPN
fsr-4067	215	35	al	al	PROPN
fsr-4067	215	36	.	.	PROPN
fsr-4067	215	37	,	,	PUNCT
fsr-4067	215	38	2013	2013	NUM
fsr-4067	215	39	)	)	PUNCT
fsr-4067	215	40	.	.	PUNCT
fsr-4067	216	1	it	it	PRON
fsr-4067	216	2	is	be	AUX
fsr-4067	216	3	interesting	interesting	ADJ
fsr-4067	216	4	to	to	PART
fsr-4067	216	5	note	note	VERB
fsr-4067	216	6	the	the	DET
fsr-4067	216	7	pattern	pattern	NOUN
fsr-4067	216	8	of	of	ADP
fsr-4067	216	9	investment	investment	NOUN
fsr-4067	216	10	literacy	literacy	NOUN
fsr-4067	216	11	among	among	ADP
fsr-4067	216	12	those	those	PRON
fsr-4067	216	13	who	who	PRON
fsr-4067	216	14	buy	buy	VERB
fsr-4067	216	15	on	on	ADP
fsr-4067	216	16	margin	margin	NOUN
fsr-4067	216	17	relative	relative	ADJ
fsr-4067	216	18	to	to	ADP
fsr-4067	216	19	those	those	PRON
fsr-4067	216	20	who	who	PRON
fsr-4067	216	21	do	do	AUX
fsr-4067	216	22	not	not	PART
fsr-4067	216	23	(	(	PUNCT
fsr-4067	216	24	see	see	VERB
fsr-4067	216	25	figure	figure	NOUN
fsr-4067	216	26	2	2	NUM
fsr-4067	216	27	)	)	PUNCT
fsr-4067	216	28	.	.	PUNCT
fsr-4067	217	1	though	though	SCONJ
fsr-4067	217	2	a	a	DET
fsr-4067	217	3	small	small	ADJ
fsr-4067	217	4	,	,	PUNCT
fsr-4067	217	5	positive	positive	ADJ
fsr-4067	217	6	linear	linear	PROPN
fsr-4067	217	7	association	association	NOUN
fsr-4067	217	8	between	between	ADP
fsr-4067	217	9	investment	investment	NOUN
fsr-4067	217	10	literacy	literacy	NOUN
fsr-4067	217	11	and	and	CCONJ
fsr-4067	217	12	margin	margin	NOUN
fsr-4067	217	13	use	use	NOUN
fsr-4067	217	14	is	be	AUX
fsr-4067	217	15	found	find	VERB
fsr-4067	217	16	in	in	ADP
fsr-4067	217	17	the	the	DET
fsr-4067	217	18	marginal	marginal	ADJ
fsr-4067	217	19	effects	effect	NOUN
fsr-4067	217	20	(	(	PUNCT
fsr-4067	217	21	note	note	VERB
fsr-4067	217	22	the	the	DET
fsr-4067	217	23	conflicting	conflict	VERB
fsr-4067	217	24	small	small	ADJ
fsr-4067	217	25	,	,	PUNCT
fsr-4067	217	26	negative	negative	ADJ
fsr-4067	217	27	correlation	correlation	NOUN
fsr-4067	217	28	in	in	ADP
fsr-4067	217	29	appendix	appendix	PROPN
fsr-4067	217	30	b	b	NOUN
fsr-4067	217	31	)	)	PUNCT
fsr-4067	217	32	,	,	PUNCT
fsr-4067	217	33	a	a	DET
fsr-4067	217	34	different	different	ADJ
fsr-4067	217	35	pattern	pattern	NOUN
fsr-4067	217	36	emerges	emerge	VERB
fsr-4067	217	37	in	in	ADP
fsr-4067	217	38	figure	figure	NOUN
fsr-4067	217	39	2	2	NUM
fsr-4067	217	40	,	,	PUNCT
fsr-4067	217	41	showing	show	VERB
fsr-4067	217	42	that	that	SCONJ
fsr-4067	217	43	respondents	respondent	NOUN
fsr-4067	217	44	who	who	PRON
fsr-4067	217	45	bought	buy	VERB
fsr-4067	217	46	on	on	ADP
fsr-4067	217	47	margin	margin	NOUN
fsr-4067	217	48	had	have	VERB
fsr-4067	217	49	lower	low	ADJ
fsr-4067	217	50	scores	score	NOUN
fsr-4067	217	51	much	much	ADV
fsr-4067	217	52	more	more	ADV
fsr-4067	217	53	frequently	frequently	ADV
fsr-4067	217	54	,	,	PUNCT
fsr-4067	217	55	but	but	CCONJ
fsr-4067	217	56	also	also	ADV
fsr-4067	217	57	scored	score	VERB
fsr-4067	217	58	highly	highly	ADV
fsr-4067	217	59	(	(	PUNCT
fsr-4067	217	60	10/11	10/11	NUM
fsr-4067	217	61	and	and	CCONJ
fsr-4067	217	62	11/11	11/11	NUM
fsr-4067	217	63	)	)	PUNCT
fsr-4067	217	64	slightly	slightly	ADV
fsr-4067	217	65	more	more	ADV
fsr-4067	217	66	frequently	frequently	ADV
fsr-4067	217	67	than	than	ADP
fsr-4067	217	68	those	those	PRON
fsr-4067	217	69	who	who	PRON
fsr-4067	217	70	did	do	VERB
fsr-4067	217	71	not	not	PART
fsr-4067	217	72	.	.	PUNCT
fsr-4067	218	1	though	though	SCONJ
fsr-4067	218	2	further	further	ADJ
fsr-4067	218	3	research	research	NOUN
fsr-4067	218	4	is	be	AUX
fsr-4067	218	5	warranted	warrant	VERB
fsr-4067	218	6	,	,	PUNCT
fsr-4067	218	7	this	this	PRON
fsr-4067	218	8	suggests	suggest	VERB
fsr-4067	218	9	that	that	SCONJ
fsr-4067	218	10	this	this	DET
fsr-4067	218	11	tool	tool	NOUN
fsr-4067	218	12	might	might	AUX
fsr-4067	218	13	be	be	AUX
fsr-4067	218	14	used	use	VERB
fsr-4067	218	15	most	most	ADV
fsr-4067	218	16	commonly	commonly	ADV
fsr-4067	218	17	by	by	ADP
fsr-4067	218	18	those	those	PRON
fsr-4067	218	19	with	with	ADP
fsr-4067	218	20	relatively	relatively	ADV
fsr-4067	218	21	low	low	ADJ
fsr-4067	218	22	and	and	CCONJ
fsr-4067	218	23	high	high	ADJ
fsr-4067	218	24	degrees	degree	NOUN
fsr-4067	218	25	of	of	ADP
fsr-4067	218	26	investment	investment	NOUN
fsr-4067	218	27	literacy	literacy	NOUN
fsr-4067	218	28	.	.	PUNCT
fsr-4067	219	1	therefore	therefore	ADV
fsr-4067	219	2	,	,	PUNCT
fsr-4067	219	3	any	any	DET
fsr-4067	219	4	policy	policy	NOUN
fsr-4067	219	5	enacted	enact	VERB
fsr-4067	219	6	to	to	PART
fsr-4067	219	7	protect	protect	VERB
fsr-4067	219	8	investors	investor	NOUN
fsr-4067	219	9	from	from	ADP
fsr-4067	219	10	taking	take	VERB
fsr-4067	219	11	risks	risk	NOUN
fsr-4067	219	12	that	that	PRON
fsr-4067	219	13	are	be	AUX
fsr-4067	219	14	beyond	beyond	ADP
fsr-4067	219	15	their	their	PRON
fsr-4067	219	16	capacity	capacity	NOUN
fsr-4067	219	17	or	or	CCONJ
fsr-4067	219	18	awareness	awareness	NOUN
fsr-4067	219	19	should	should	AUX
fsr-4067	219	20	be	be	AUX
fsr-4067	219	21	carefully	carefully	ADV
fsr-4067	219	22	crafted	craft	VERB
fsr-4067	219	23	so	so	ADV
fsr-4067	219	24	as	as	SCONJ
fsr-4067	219	25	not	not	PART
fsr-4067	219	26	to	to	PART
fsr-4067	219	27	create	create	VERB
fsr-4067	219	28	unreasonable	unreasonable	ADJ
fsr-4067	219	29	barriers	barrier	NOUN
fsr-4067	219	30	of	of	ADP
fsr-4067	219	31	access	access	NOUN
fsr-4067	219	32	to	to	PART
fsr-4067	219	33	margin	margin	NOUN
fsr-4067	219	34	use	use	NOUN
fsr-4067	219	35	for	for	ADP
fsr-4067	219	36	those	those	PRON
fsr-4067	219	37	who	who	PRON
fsr-4067	219	38	are	be	AUX
fsr-4067	219	39	highly	highly	ADV
fsr-4067	219	40	literate	literate	ADJ
fsr-4067	219	41	.	.	PUNCT
fsr-4067	220	1	additionally	additionally	ADV
fsr-4067	220	2	,	,	PUNCT
fsr-4067	220	3	this	this	DET
fsr-4067	220	4	positive	positive	ADJ
fsr-4067	220	5	association	association	NOUN
fsr-4067	220	6	between	between	ADP
fsr-4067	220	7	investment	investment	NOUN
fsr-4067	220	8	literacy	literacy	NOUN
fsr-4067	220	9	and	and	CCONJ
fsr-4067	220	10	margin	margin	NOUN
fsr-4067	220	11	use	use	NOUN
fsr-4067	220	12	deviates	deviate	VERB
fsr-4067	220	13	from	from	ADP
fsr-4067	220	14	the	the	DET
fsr-4067	220	15	findings	finding	NOUN
fsr-4067	220	16	by	by	ADP
fsr-4067	220	17	kim	kim	PROPN
fsr-4067	220	18	et	et	PROPN
fsr-4067	220	19	al	al	PROPN
fsr-4067	220	20	.	.	PROPN
fsr-4067	221	1	(	(	PUNCT
fsr-4067	221	2	2022	2022	NUM
fsr-4067	221	3	)	)	PUNCT
fsr-4067	221	4	,	,	PUNCT
fsr-4067	221	5	who	who	PRON
fsr-4067	221	6	found	find	VERB
fsr-4067	221	7	these	these	DET
fsr-4067	221	8	variables	variable	NOUN
fsr-4067	221	9	to	to	PART
fsr-4067	221	10	be	be	AUX
fsr-4067	221	11	negatively	negatively	ADV
fsr-4067	221	12	associated	associate	VERB
fsr-4067	221	13	when	when	SCONJ
fsr-4067	221	14	using	use	VERB
fsr-4067	221	15	the	the	DET
fsr-4067	221	16	2018	2018	NUM
fsr-4067	221	17	wave	wave	NOUN
fsr-4067	221	18	of	of	ADP
fsr-4067	221	19	the	the	DET
fsr-4067	221	20	nfcs	nfcs	PROPN
fsr-4067	221	21	investor	investor	NOUN
fsr-4067	221	22	survey	survey	NOUN
fsr-4067	221	23	.	.	PUNCT
fsr-4067	222	1	it	it	PRON
fsr-4067	222	2	is	be	AUX
fsr-4067	222	3	possible	possible	ADJ
fsr-4067	222	4	that	that	SCONJ
fsr-4067	222	5	the	the	DET
fsr-4067	222	6	association	association	NOUN
fsr-4067	222	7	between	between	ADP
fsr-4067	222	8	investment	investment	NOUN
fsr-4067	222	9	literacy	literacy	NOUN
fsr-4067	222	10	and	and	CCONJ
fsr-4067	222	11	margin	margin	NOUN
fsr-4067	222	12	use	use	NOUN
fsr-4067	222	13	is	be	AUX
fsr-4067	222	14	not	not	PART
fsr-4067	222	15	static	static	ADJ
fsr-4067	222	16	.	.	PUNCT
fsr-4067	223	1	for	for	ADP
fsr-4067	223	2	example	example	NOUN
fsr-4067	223	3	,	,	PUNCT
fsr-4067	223	4	interest	interest	NOUN
fsr-4067	223	5	rates	rate	NOUN
fsr-4067	223	6	were	be	AUX
fsr-4067	223	7	substantially	substantially	ADV
fsr-4067	223	8	lower	low	ADJ
fsr-4067	223	9	during	during	ADP
fsr-4067	223	10	the	the	DET
fsr-4067	223	11	collection	collection	NOUN
fsr-4067	223	12	of	of	ADP
fsr-4067	223	13	the	the	DET
fsr-4067	223	14	2021	2021	NUM
fsr-4067	223	15	data	datum	NOUN
fsr-4067	223	16	than	than	SCONJ
fsr-4067	223	17	they	they	PRON
fsr-4067	223	18	were	be	AUX
fsr-4067	223	19	when	when	SCONJ
fsr-4067	223	20	the	the	DET
fsr-4067	223	21	2018	2018	NUM
fsr-4067	223	22	data	datum	NOUN
fsr-4067	223	23	were	be	AUX
fsr-4067	223	24	collected	collect	VERB
fsr-4067	223	25	.	.	PUNCT
fsr-4067	224	1	this	this	DET
fsr-4067	224	2	difference	difference	NOUN
fsr-4067	224	3	in	in	ADP
fsr-4067	224	4	interest	interest	NOUN
fsr-4067	224	5	rates	rate	NOUN
fsr-4067	224	6	(	(	PUNCT
fsr-4067	224	7	i.e.	i.e.	X
fsr-4067	224	8	,	,	PUNCT
fsr-4067	224	9	the	the	DET
fsr-4067	224	10	cost	cost	NOUN
fsr-4067	224	11	to	to	PART
fsr-4067	224	12	invest	invest	VERB
fsr-4067	224	13	using	use	VERB
fsr-4067	224	14	margin	margin	NOUN
fsr-4067	224	15	)	)	PUNCT
fsr-4067	224	16	will	will	AUX
fsr-4067	224	17	impact	impact	VERB
fsr-4067	224	18	the	the	DET
fsr-4067	224	19	decision	decision	NOUN
fsr-4067	224	20	to	to	PART
fsr-4067	224	21	make	make	VERB
fsr-4067	224	22	purchases	purchase	NOUN
fsr-4067	224	23	on	on	ADP
fsr-4067	224	24	margin	margin	NOUN
fsr-4067	224	25	.	.	PUNCT
fsr-4067	225	1	another	another	DET
fsr-4067	225	2	example	example	NOUN
fsr-4067	225	3	of	of	ADP
fsr-4067	225	4	what	what	PRON
fsr-4067	225	5	could	could	AUX
fsr-4067	225	6	drive	drive	VERB
fsr-4067	225	7	this	this	DET
fsr-4067	225	8	difference	difference	NOUN
fsr-4067	225	9	in	in	ADP
fsr-4067	225	10	outcome	outcome	NOUN
fsr-4067	225	11	is	be	AUX
fsr-4067	225	12	that	that	SCONJ
fsr-4067	225	13	financial	financial	ADJ
fsr-4067	225	14	services	service	NOUN
fsr-4067	225	15	review	review	VERB
fsr-4067	225	16	,	,	PUNCT
fsr-4067	225	17	33(2	33(2	NUM
fsr-4067	225	18	)	)	PUNCT
fsr-4067	225	19	68	68	NUM
fsr-4067	225	20	the	the	DET
fsr-4067	225	21	outlook	outlook	NOUN
fsr-4067	225	22	of	of	ADP
fsr-4067	225	23	the	the	DET
fsr-4067	225	24	financial	financial	ADJ
fsr-4067	225	25	markets	market	NOUN
fsr-4067	225	26	can	can	AUX
fsr-4067	225	27	vary	vary	VERB
fsr-4067	225	28	dramatically	dramatically	ADV
fsr-4067	225	29	.	.	PUNCT
fsr-4067	226	1	whereas	whereas	SCONJ
fsr-4067	226	2	the	the	DET
fsr-4067	226	3	choice	choice	NOUN
fsr-4067	226	4	to	to	PART
fsr-4067	226	5	buy	buy	VERB
fsr-4067	226	6	on	on	ADP
fsr-4067	226	7	margin	margin	NOUN
fsr-4067	226	8	may	may	AUX
fsr-4067	226	9	seem	seem	VERB
fsr-4067	226	10	appropriate	appropriate	ADJ
fsr-4067	226	11	to	to	ADP
fsr-4067	226	12	savvy	savvy	ADJ
fsr-4067	226	13	investors	investor	NOUN
fsr-4067	226	14	during	during	ADP
fsr-4067	226	15	one	one	NUM
fsr-4067	226	16	period	period	NOUN
fsr-4067	226	17	(	(	PUNCT
fsr-4067	226	18	e.g.	e.g.	ADV
fsr-4067	226	19	,	,	PUNCT
fsr-4067	226	20	high	high	ADJ
fsr-4067	226	21	anticipation	anticipation	NOUN
fsr-4067	226	22	of	of	ADP
fsr-4067	226	23	market	market	NOUN
fsr-4067	226	24	volatility	volatility	NOUN
fsr-4067	226	25	)	)	PUNCT
fsr-4067	226	26	,	,	PUNCT
fsr-4067	226	27	they	they	PRON
fsr-4067	226	28	may	may	AUX
fsr-4067	226	29	be	be	AUX
fsr-4067	226	30	more	more	ADV
fsr-4067	226	31	reluctant	reluctant	ADJ
fsr-4067	226	32	to	to	PART
fsr-4067	226	33	use	use	VERB
fsr-4067	226	34	margin	margin	NOUN
fsr-4067	226	35	during	during	ADP
fsr-4067	226	36	other	other	ADJ
fsr-4067	226	37	periods	period	NOUN
fsr-4067	226	38	.	.	PUNCT
fsr-4067	227	1	also	also	ADV
fsr-4067	227	2	,	,	PUNCT
fsr-4067	227	3	the	the	DET
fsr-4067	227	4	attractiveness	attractiveness	NOUN
fsr-4067	227	5	of	of	ADP
fsr-4067	227	6	margin	margin	NOUN
fsr-4067	227	7	when	when	SCONJ
fsr-4067	227	8	compared	compare	VERB
fsr-4067	227	9	with	with	ADP
fsr-4067	227	10	other	other	ADJ
fsr-4067	227	11	debt	debt	NOUN
fsr-4067	227	12	options	option	NOUN
fsr-4067	227	13	likely	likely	ADV
fsr-4067	227	14	varies	vary	VERB
fsr-4067	227	15	based	base	VERB
fsr-4067	227	16	on	on	ADP
fsr-4067	227	17	a	a	DET
fsr-4067	227	18	host	host	NOUN
fsr-4067	227	19	of	of	ADP
fsr-4067	227	20	factors	factor	NOUN
fsr-4067	227	21	(	(	PUNCT
fsr-4067	227	22	e.g.	e.g.	ADV
fsr-4067	227	23	,	,	PUNCT
fsr-4067	227	24	relative	relative	ADJ
fsr-4067	227	25	interest	interest	NOUN
fsr-4067	227	26	rates	rate	NOUN
fsr-4067	227	27	)	)	PUNCT
fsr-4067	227	28	.	.	PUNCT
fsr-4067	228	1	further	further	ADJ
fsr-4067	228	2	exploration	exploration	NOUN
fsr-4067	228	3	into	into	ADP
fsr-4067	228	4	this	this	DET
fsr-4067	228	5	interesting	interesting	ADJ
fsr-4067	228	6	topic	topic	NOUN
fsr-4067	228	7	would	would	AUX
fsr-4067	228	8	be	be	AUX
fsr-4067	228	9	beneficial	beneficial	ADJ
fsr-4067	228	10	.	.	PUNCT
fsr-4067	229	1	a	a	DET
fsr-4067	229	2	relatively	relatively	ADV
fsr-4067	229	3	strong	strong	ADJ
fsr-4067	229	4	,	,	PUNCT
fsr-4067	229	5	negative	negative	ADJ
fsr-4067	229	6	correlation	correlation	NOUN
fsr-4067	229	7	between	between	ADP
fsr-4067	229	8	peer	peer	NOUN
fsr-4067	229	9	influence	influence	NOUN
fsr-4067	229	10	and	and	CCONJ
fsr-4067	229	11	investment	investment	NOUN
fsr-4067	229	12	literacy	literacy	NOUN
fsr-4067	229	13	was	be	AUX
fsr-4067	229	14	found	find	VERB
fsr-4067	229	15	in	in	ADP
fsr-4067	229	16	this	this	DET
fsr-4067	229	17	study	study	NOUN
fsr-4067	229	18	(	(	PUNCT
fsr-4067	229	19	appendix	appendix	NOUN
fsr-4067	229	20	b	b	NOUN
fsr-4067	229	21	)	)	PUNCT
fsr-4067	229	22	.	.	PUNCT
fsr-4067	230	1	it	it	PRON
fsr-4067	230	2	is	be	AUX
fsr-4067	230	3	possible	possible	ADJ
fsr-4067	230	4	that	that	SCONJ
fsr-4067	230	5	individuals	individual	NOUN
fsr-4067	230	6	with	with	ADP
fsr-4067	230	7	higher	high	ADJ
fsr-4067	230	8	degrees	degree	NOUN
fsr-4067	230	9	of	of	ADP
fsr-4067	230	10	investment	investment	NOUN
fsr-4067	230	11	literacy	literacy	NOUN
fsr-4067	230	12	are	be	AUX
fsr-4067	230	13	less	less	ADV
fsr-4067	230	14	likely	likely	ADJ
fsr-4067	230	15	to	to	PART
fsr-4067	230	16	feel	feel	VERB
fsr-4067	230	17	the	the	DET
fsr-4067	230	18	need	need	NOUN
fsr-4067	230	19	to	to	PART
fsr-4067	230	20	rely	rely	VERB
fsr-4067	230	21	on	on	ADP
fsr-4067	230	22	the	the	DET
fsr-4067	230	23	investment	investment	NOUN
fsr-4067	230	24	advice	advice	NOUN
fsr-4067	230	25	of	of	ADP
fsr-4067	230	26	peers	peer	NOUN
fsr-4067	230	27	(	(	PUNCT
fsr-4067	230	28	or	or	CCONJ
fsr-4067	230	29	that	that	SCONJ
fsr-4067	230	30	those	those	PRON
fsr-4067	230	31	who	who	PRON
fsr-4067	230	32	are	be	AUX
fsr-4067	230	33	less	less	ADV
fsr-4067	230	34	interested	interested	ADJ
fsr-4067	230	35	in	in	ADP
fsr-4067	230	36	relying	rely	VERB
fsr-4067	230	37	on	on	ADP
fsr-4067	230	38	their	their	PRON
fsr-4067	230	39	peers	peer	NOUN
fsr-4067	230	40	feel	feel	VERB
fsr-4067	230	41	a	a	DET
fsr-4067	230	42	greater	great	ADJ
fsr-4067	230	43	need	need	NOUN
fsr-4067	230	44	to	to	PART
fsr-4067	230	45	develop	develop	VERB
fsr-4067	230	46	their	their	PRON
fsr-4067	230	47	financial	financial	ADJ
fsr-4067	230	48	knowledge	knowledge	NOUN
fsr-4067	230	49	)	)	PUNCT
fsr-4067	230	50	.	.	PUNCT
fsr-4067	231	1	an	an	DET
fsr-4067	231	2	exploration	exploration	NOUN
fsr-4067	231	3	of	of	ADP
fsr-4067	231	4	whether	whether	SCONJ
fsr-4067	231	5	investment	investment	NOUN
fsr-4067	231	6	literacy	literacy	NOUN
fsr-4067	231	7	protects	protect	VERB
fsr-4067	231	8	against	against	ADP
fsr-4067	231	9	herding	herding	NOUN
fsr-4067	231	10	/	/	SYM
fsr-4067	231	11	peer	peer	NOUN
fsr-4067	231	12	influence	influence	NOUN
fsr-4067	231	13	would	would	AUX
fsr-4067	231	14	be	be	AUX
fsr-4067	231	15	beneficial	beneficial	ADJ
fsr-4067	231	16	.	.	PUNCT
fsr-4067	232	1	experimental	experimental	ADJ
fsr-4067	232	2	studies	study	NOUN
fsr-4067	232	3	exploring	explore	VERB
fsr-4067	232	4	financial	financial	ADJ
fsr-4067	232	5	education	education	NOUN
fsr-4067	232	6	and	and	CCONJ
fsr-4067	232	7	its	its	PRON
fsr-4067	232	8	impact	impact	NOUN
fsr-4067	232	9	on	on	ADP
fsr-4067	232	10	investment	investment	NOUN
fsr-4067	232	11	decisions	decision	NOUN
fsr-4067	232	12	in	in	ADP
fsr-4067	232	13	a	a	DET
fsr-4067	232	14	controlled	control	VERB
fsr-4067	232	15	environment	environment	NOUN
fsr-4067	232	16	might	might	AUX
fsr-4067	232	17	yield	yield	VERB
fsr-4067	232	18	valuable	valuable	ADJ
fsr-4067	232	19	insights	insight	NOUN
fsr-4067	232	20	.	.	PUNCT
fsr-4067	233	1	additionally	additionally	ADV
fsr-4067	233	2	,	,	PUNCT
fsr-4067	233	3	related	relate	VERB
fsr-4067	233	4	to	to	ADP
fsr-4067	233	5	the	the	DET
fsr-4067	233	6	findings	finding	NOUN
fsr-4067	233	7	of	of	ADP
fsr-4067	233	8	khalid	khalid	PROPN
fsr-4067	233	9	(	(	PUNCT
fsr-4067	233	10	2020	2020	NUM
fsr-4067	233	11	)	)	PUNCT
fsr-4067	233	12	who	who	PRON
fsr-4067	233	13	found	find	VERB
fsr-4067	233	14	that	that	SCONJ
fsr-4067	233	15	financial	financial	ADJ
fsr-4067	233	16	self	self	NOUN
fsr-4067	233	17	-	-	PUNCT
fsr-4067	233	18	efficacy	efficacy	NOUN
fsr-4067	233	19	mediated	mediate	VERB
fsr-4067	233	20	a	a	DET
fsr-4067	233	21	negative	negative	ADJ
fsr-4067	233	22	association	association	NOUN
fsr-4067	233	23	between	between	ADP
fsr-4067	233	24	herding	herding	NOUN
fsr-4067	233	25	and	and	CCONJ
fsr-4067	233	26	investment	investment	NOUN
fsr-4067	233	27	behavior	behavior	NOUN
fsr-4067	233	28	,	,	PUNCT
fsr-4067	233	29	future	future	ADJ
fsr-4067	233	30	studies	study	NOUN
fsr-4067	233	31	could	could	AUX
fsr-4067	233	32	investigate	investigate	VERB
fsr-4067	233	33	the	the	DET
fsr-4067	233	34	mediating	mediate	VERB
fsr-4067	233	35	role	role	NOUN
fsr-4067	233	36	of	of	ADP
fsr-4067	233	37	financial	financial	ADJ
fsr-4067	233	38	selfefficacy	selfefficacy	NOUN
fsr-4067	233	39	on	on	ADP
fsr-4067	233	40	herding	herding	NOUN
fsr-4067	233	41	and	and	CCONJ
fsr-4067	233	42	margin	margin	NOUN
fsr-4067	233	43	use	use	NOUN
fsr-4067	233	44	.	.	PUNCT
fsr-4067	234	1	a	a	DET
fsr-4067	234	2	substantive	substantive	ADJ
fsr-4067	234	3	positive	positive	ADJ
fsr-4067	234	4	association	association	NOUN
fsr-4067	234	5	between	between	ADP
fsr-4067	234	6	feeling	feel	VERB
fsr-4067	234	7	over	over	ADV
fsr-4067	234	8	-	-	PUNCT
fsr-4067	234	9	indebted	indebted	ADJ
fsr-4067	234	10	and	and	CCONJ
fsr-4067	234	11	buying	buy	VERB
fsr-4067	234	12	on	on	ADP
fsr-4067	234	13	margin	margin	NOUN
fsr-4067	234	14	was	be	AUX
fsr-4067	234	15	only	only	ADV
fsr-4067	234	16	found	find	VERB
fsr-4067	234	17	among	among	ADP
fsr-4067	234	18	those	those	PRON
fsr-4067	234	19	who	who	PRON
fsr-4067	234	20	ranked	rank	VERB
fsr-4067	234	21	their	their	PRON
fsr-4067	234	22	sense	sense	NOUN
fsr-4067	234	23	of	of	ADP
fsr-4067	234	24	having	have	VERB
fsr-4067	234	25	too	too	ADV
fsr-4067	234	26	much	much	ADJ
fsr-4067	234	27	debt	debt	NOUN
fsr-4067	234	28	very	very	ADV
fsr-4067	234	29	highly	highly	ADV
fsr-4067	234	30	(	(	PUNCT
fsr-4067	234	31	7/7	7/7	NUM
fsr-4067	234	32	)	)	PUNCT
fsr-4067	234	33	.	.	PUNCT
fsr-4067	235	1	this	this	PRON
fsr-4067	235	2	indicates	indicate	VERB
fsr-4067	235	3	a	a	DET
fsr-4067	235	4	higher	high	ADJ
fsr-4067	235	5	probability	probability	NOUN
fsr-4067	235	6	of	of	ADP
fsr-4067	235	7	entering	enter	VERB
fsr-4067	235	8	into	into	ADP
fsr-4067	235	9	or	or	CCONJ
fsr-4067	235	10	maintaining	maintain	VERB
fsr-4067	235	11	margin	margin	NOUN
fsr-4067	235	12	agreements	agreement	NOUN
fsr-4067	235	13	in	in	ADP
fsr-4067	235	14	environments	environment	NOUN
fsr-4067	235	15	where	where	SCONJ
fsr-4067	235	16	individuals	individual	NOUN
fsr-4067	235	17	feel	feel	VERB
fsr-4067	235	18	their	their	PRON
fsr-4067	235	19	resource	resource	NOUN
fsr-4067	235	20	constraints	constraint	NOUN
fsr-4067	235	21	most	most	ADV
fsr-4067	235	22	heavily	heavily	ADV
fsr-4067	235	23	,	,	PUNCT
fsr-4067	235	24	and	and	CCONJ
fsr-4067	235	25	further	far	ADV
fsr-4067	235	26	confirms	confirm	VERB
fsr-4067	235	27	the	the	DET
fsr-4067	235	28	argument	argument	NOUN
fsr-4067	235	29	that	that	PRON
fsr-4067	235	30	margin	margin	NOUN
fsr-4067	235	31	purchase	purchase	NOUN
fsr-4067	235	32	involves	involve	VERB
fsr-4067	235	33	a	a	DET
fsr-4067	235	34	debt	debt	NOUN
fsr-4067	235	35	component	component	NOUN
fsr-4067	235	36	.	.	PUNCT
fsr-4067	236	1	it	it	PRON
fsr-4067	236	2	is	be	AUX
fsr-4067	236	3	worrisome	worrisome	ADJ
fsr-4067	236	4	that	that	SCONJ
fsr-4067	236	5	those	those	PRON
fsr-4067	236	6	who	who	PRON
fsr-4067	236	7	feel	feel	VERB
fsr-4067	236	8	so	so	ADV
fsr-4067	236	9	strongly	strongly	ADV
fsr-4067	236	10	about	about	ADP
fsr-4067	236	11	their	their	PRON
fsr-4067	236	12	over	over	ADP
fsr-4067	236	13	-	-	PUNCT
fsr-4067	236	14	indebtedness	indebtedness	NOUN
fsr-4067	236	15	are	be	AUX
fsr-4067	236	16	borrowing	borrow	VERB
fsr-4067	236	17	using	use	VERB
fsr-4067	236	18	a	a	DET
fsr-4067	236	19	tool	tool	NOUN
fsr-4067	236	20	that	that	PRON
fsr-4067	236	21	allows	allow	VERB
fsr-4067	236	22	for	for	ADP
fsr-4067	236	23	easy	easy	ADJ
fsr-4067	236	24	and	and	CCONJ
fsr-4067	236	25	immediate	immediate	ADJ
fsr-4067	236	26	investment	investment	NOUN
fsr-4067	236	27	of	of	ADP
fsr-4067	236	28	the	the	DET
fsr-4067	236	29	proceeds	proceed	NOUN
fsr-4067	236	30	of	of	ADP
fsr-4067	236	31	the	the	DET
fsr-4067	236	32	loan	loan	NOUN
fsr-4067	236	33	,	,	PUNCT
fsr-4067	236	34	as	as	SCONJ
fsr-4067	236	35	they	they	PRON
fsr-4067	236	36	are	be	AUX
fsr-4067	236	37	most	most	ADV
fsr-4067	236	38	likely	likely	ADJ
fsr-4067	236	39	to	to	PART
fsr-4067	236	40	feel	feel	VERB
fsr-4067	236	41	a	a	DET
fsr-4067	236	42	need	need	NOUN
fsr-4067	236	43	to	to	PART
fsr-4067	236	44	make	make	VERB
fsr-4067	236	45	large	large	ADJ
fsr-4067	236	46	investment	investment	NOUN
fsr-4067	236	47	returns	return	NOUN
fsr-4067	236	48	,	,	PUNCT
fsr-4067	236	49	but	but	CCONJ
fsr-4067	236	50	lack	lack	VERB
fsr-4067	236	51	the	the	DET
fsr-4067	236	52	capacity	capacity	NOUN
fsr-4067	236	53	to	to	PART
fsr-4067	236	54	bear	bear	VERB
fsr-4067	236	55	the	the	DET
fsr-4067	236	56	losses	loss	NOUN
fsr-4067	236	57	that	that	PRON
fsr-4067	236	58	are	be	AUX
fsr-4067	236	59	often	often	ADV
fsr-4067	236	60	associated	associate	VERB
fsr-4067	236	61	with	with	ADP
fsr-4067	236	62	leverage	leverage	NOUN
fsr-4067	236	63	.	.	PUNCT
fsr-4067	237	1	the	the	DET
fsr-4067	237	2	cross	cross	ADJ
fsr-4067	237	3	-	-	ADJ
fsr-4067	237	4	sectional	sectional	ADJ
fsr-4067	237	5	nature	nature	NOUN
fsr-4067	237	6	of	of	ADP
fsr-4067	237	7	these	these	DET
fsr-4067	237	8	data	datum	NOUN
fsr-4067	237	9	represents	represent	VERB
fsr-4067	237	10	a	a	DET
fsr-4067	237	11	limitation	limitation	NOUN
fsr-4067	237	12	,	,	PUNCT
fsr-4067	237	13	especially	especially	ADV
fsr-4067	237	14	as	as	SCONJ
fsr-4067	237	15	peer	peer	NOUN
fsr-4067	237	16	influence	influence	NOUN
fsr-4067	237	17	was	be	AUX
fsr-4067	237	18	only	only	ADV
fsr-4067	237	19	recently	recently	ADV
fsr-4067	237	20	added	add	VERB
fsr-4067	237	21	to	to	ADP
fsr-4067	237	22	the	the	DET
fsr-4067	237	23	nfcs	nfcs	PROPN
fsr-4067	237	24	investor	investor	NOUN
fsr-4067	237	25	survey	survey	NOUN
fsr-4067	237	26	in	in	ADP
fsr-4067	237	27	2021	2021	NUM
fsr-4067	237	28	.	.	PUNCT
fsr-4067	238	1	future	future	ADJ
fsr-4067	238	2	research	research	NOUN
fsr-4067	238	3	could	could	AUX
fsr-4067	238	4	strengthen	strengthen	VERB
fsr-4067	238	5	the	the	DET
fsr-4067	238	6	present	present	ADJ
fsr-4067	238	7	study	study	NOUN
fsr-4067	238	8	by	by	ADP
fsr-4067	238	9	observing	observe	VERB
fsr-4067	238	10	individual	individual	ADJ
fsr-4067	238	11	margin	margin	NOUN
fsr-4067	238	12	behavior	behavior	NOUN
fsr-4067	238	13	across	across	ADP
fsr-4067	238	14	time	time	NOUN
fsr-4067	238	15	.	.	PUNCT
fsr-4067	239	1	to	to	ADP
fsr-4067	239	2	the	the	DET
fsr-4067	239	3	best	good	ADJ
fsr-4067	239	4	of	of	ADP
fsr-4067	239	5	our	our	PRON
fsr-4067	239	6	knowledge	knowledge	NOUN
fsr-4067	239	7	,	,	PUNCT
fsr-4067	239	8	there	there	PRON
fsr-4067	239	9	are	be	VERB
fsr-4067	239	10	no	no	DET
fsr-4067	239	11	datasets	dataset	NOUN
fsr-4067	239	12	tracking	track	VERB
fsr-4067	239	13	individual	individual	ADJ
fsr-4067	239	14	margin	margin	NOUN
fsr-4067	239	15	behavior	behavior	NOUN
fsr-4067	239	16	longitudinally	longitudinally	ADV
fsr-4067	239	17	.	.	PUNCT
fsr-4067	240	1	additionally	additionally	ADV
fsr-4067	240	2	,	,	PUNCT
fsr-4067	240	3	the	the	DET
fsr-4067	240	4	manner	manner	NOUN
fsr-4067	240	5	in	in	ADP
fsr-4067	240	6	which	which	PRON
fsr-4067	240	7	these	these	DET
fsr-4067	240	8	questions	question	NOUN
fsr-4067	240	9	on	on	ADP
fsr-4067	240	10	margin	margin	NOUN
fsr-4067	240	11	use	use	NOUN
fsr-4067	240	12	were	be	AUX
fsr-4067	240	13	asked	ask	VERB
fsr-4067	240	14	may	may	AUX
fsr-4067	240	15	have	have	AUX
fsr-4067	240	16	been	be	AUX
fsr-4067	240	17	confusing	confusing	ADJ
fsr-4067	240	18	to	to	ADP
fsr-4067	240	19	the	the	DET
fsr-4067	240	20	respondents	respondent	NOUN
fsr-4067	240	21	.	.	PUNCT
fsr-4067	241	1	for	for	ADP
fsr-4067	241	2	example	example	NOUN
fsr-4067	241	3	,	,	PUNCT
fsr-4067	241	4	margin	margin	NOUN
fsr-4067	241	5	is	be	AUX
fsr-4067	241	6	typically	typically	ADV
fsr-4067	241	7	required	require	VERB
fsr-4067	241	8	to	to	PART
fsr-4067	241	9	be	be	AUX
fsr-4067	241	10	enabled	enable	VERB
fsr-4067	241	11	on	on	ADP
fsr-4067	241	12	an	an	DET
fsr-4067	241	13	account	account	NOUN
fsr-4067	241	14	in	in	ADP
fsr-4067	241	15	order	order	NOUN
fsr-4067	241	16	to	to	PART
fsr-4067	241	17	place	place	VERB
fsr-4067	241	18	certain	certain	ADJ
fsr-4067	241	19	trades	trade	NOUN
fsr-4067	241	20	(	(	PUNCT
fsr-4067	241	21	e.g.	e.g.	ADV
fsr-4067	241	22	,	,	PUNCT
fsr-4067	241	23	selling	sell	VERB
fsr-4067	241	24	options	option	NOUN
fsr-4067	241	25	without	without	ADP
fsr-4067	241	26	owning	own	VERB
fsr-4067	241	27	the	the	DET
fsr-4067	241	28	underlying	underlie	VERB
fsr-4067	241	29	security	security	NOUN
fsr-4067	241	30	)	)	PUNCT
fsr-4067	241	31	,	,	PUNCT
fsr-4067	241	32	but	but	CCONJ
fsr-4067	241	33	many	many	ADJ
fsr-4067	241	34	of	of	ADP
fsr-4067	241	35	these	these	DET
fsr-4067	241	36	transactions	transaction	NOUN
fsr-4067	241	37	are	be	AUX
fsr-4067	241	38	completed	complete	VERB
fsr-4067	241	39	without	without	ADP
fsr-4067	241	40	carrying	carry	VERB
fsr-4067	241	41	a	a	DET
fsr-4067	241	42	margin	margin	NOUN
fsr-4067	241	43	balance	balance	NOUN
fsr-4067	241	44	(	(	PUNCT
fsr-4067	241	45	using	use	VERB
fsr-4067	241	46	the	the	DET
fsr-4067	241	47	cash	cash	NOUN
fsr-4067	241	48	balance	balance	NOUN
fsr-4067	241	49	within	within	ADP
fsr-4067	241	50	the	the	DET
fsr-4067	241	51	account	account	NOUN
fsr-4067	241	52	to	to	PART
fsr-4067	241	53	complete	complete	VERB
fsr-4067	241	54	the	the	DET
fsr-4067	241	55	transaction	transaction	NOUN
fsr-4067	241	56	)	)	PUNCT
fsr-4067	241	57	.	.	PUNCT
fsr-4067	242	1	conclusions	conclusion	NOUN
fsr-4067	242	2	and	and	CCONJ
fsr-4067	242	3	implications	implication	NOUN
fsr-4067	242	4	given	give	VERB
fsr-4067	242	5	the	the	DET
fsr-4067	242	6	paucity	paucity	NOUN
fsr-4067	242	7	of	of	ADP
fsr-4067	242	8	literature	literature	NOUN
fsr-4067	242	9	examining	examine	VERB
fsr-4067	242	10	the	the	DET
fsr-4067	242	11	factors	factor	NOUN
fsr-4067	242	12	that	that	PRON
fsr-4067	242	13	influence	influence	VERB
fsr-4067	242	14	individual	individual	ADJ
fsr-4067	242	15	decisions	decision	NOUN
fsr-4067	242	16	to	to	PART
fsr-4067	242	17	buy	buy	VERB
fsr-4067	242	18	on	on	ADP
fsr-4067	242	19	margin	margin	NOUN
fsr-4067	242	20	,	,	PUNCT
fsr-4067	242	21	this	this	DET
fsr-4067	242	22	paper	paper	NOUN
fsr-4067	242	23	examines	examine	VERB
fsr-4067	242	24	factors	factor	NOUN
fsr-4067	242	25	that	that	PRON
fsr-4067	242	26	are	be	AUX
fsr-4067	242	27	associated	associate	VERB
fsr-4067	242	28	with	with	ADP
fsr-4067	242	29	individual	individual	ADJ
fsr-4067	242	30	decisions	decision	NOUN
fsr-4067	242	31	to	to	PART
fsr-4067	242	32	buy	buy	VERB
fsr-4067	242	33	stocks	stock	NOUN
fsr-4067	242	34	and	and	CCONJ
fsr-4067	242	35	other	other	ADJ
fsr-4067	242	36	assets	asset	NOUN
fsr-4067	242	37	on	on	ADP
fsr-4067	242	38	margin	margin	NOUN
fsr-4067	242	39	–	–	PUNCT
fsr-4067	242	40	more	more	ADV
fsr-4067	242	41	specifically	specifically	ADV
fsr-4067	242	42	,	,	PUNCT
fsr-4067	242	43	peer	peer	NOUN
fsr-4067	242	44	influence	influence	NOUN
fsr-4067	242	45	,	,	PUNCT
fsr-4067	242	46	investment	investment	NOUN
fsr-4067	242	47	literacy	literacy	NOUN
fsr-4067	242	48	,	,	PUNCT
fsr-4067	242	49	and	and	CCONJ
fsr-4067	242	50	age	age	NOUN
fsr-4067	242	51	.	.	PUNCT
fsr-4067	243	1	a	a	DET
fsr-4067	243	2	key	key	ADJ
fsr-4067	243	3	finding	finding	NOUN
fsr-4067	243	4	in	in	ADP
fsr-4067	243	5	the	the	DET
fsr-4067	243	6	current	current	ADJ
fsr-4067	243	7	study	study	NOUN
fsr-4067	243	8	is	be	AUX
fsr-4067	243	9	that	that	SCONJ
fsr-4067	243	10	those	those	PRON
fsr-4067	243	11	who	who	PRON
fsr-4067	243	12	invest	invest	VERB
fsr-4067	243	13	due	due	ADJ
fsr-4067	243	14	to	to	ADP
fsr-4067	243	15	peer	peer	NOUN
fsr-4067	243	16	influence	influence	NOUN
fsr-4067	243	17	are	be	AUX
fsr-4067	243	18	more	more	ADV
fsr-4067	243	19	likely	likely	ADJ
fsr-4067	243	20	to	to	PART
fsr-4067	243	21	buy	buy	VERB
fsr-4067	243	22	on	on	ADP
fsr-4067	243	23	margin	margin	NOUN
fsr-4067	243	24	,	,	PUNCT
fsr-4067	243	25	which	which	PRON
fsr-4067	243	26	might	might	AUX
fsr-4067	243	27	indicate	indicate	VERB
fsr-4067	243	28	herding	herding	NOUN
fsr-4067	243	29	behavior	behavior	NOUN
fsr-4067	243	30	.	.	PUNCT
fsr-4067	244	1	within	within	ADP
fsr-4067	244	2	the	the	DET
fsr-4067	244	3	context	context	NOUN
fsr-4067	244	4	of	of	ADP
fsr-4067	244	5	previous	previous	ADJ
fsr-4067	244	6	research	research	NOUN
fsr-4067	244	7	and	and	CCONJ
fsr-4067	244	8	herding	herding	NOUN
fsr-4067	244	9	theory	theory	NOUN
fsr-4067	244	10	,	,	PUNCT
fsr-4067	244	11	this	this	DET
fsr-4067	244	12	study	study	NOUN
fsr-4067	244	13	demonstrates	demonstrate	VERB
fsr-4067	244	14	the	the	DET
fsr-4067	244	15	importance	importance	NOUN
fsr-4067	244	16	of	of	ADP
fsr-4067	244	17	improving	improve	VERB
fsr-4067	244	18	awareness	awareness	NOUN
fsr-4067	244	19	of	of	ADP
fsr-4067	244	20	the	the	DET
fsr-4067	244	21	risks	risk	NOUN
fsr-4067	244	22	inherent	inherent	ADJ
fsr-4067	244	23	in	in	ADP
fsr-4067	244	24	herding	herding	NOUN
fsr-4067	244	25	behavior	behavior	NOUN
fsr-4067	244	26	,	,	PUNCT
fsr-4067	244	27	particularly	particularly	ADV
fsr-4067	244	28	when	when	SCONJ
fsr-4067	244	29	buying	buy	VERB
fsr-4067	244	30	on	on	ADP
fsr-4067	244	31	margin	margin	NOUN
fsr-4067	244	32	.	.	PUNCT
fsr-4067	245	1	financial	financial	ADJ
fsr-4067	245	2	professionals	professional	NOUN
fsr-4067	245	3	are	be	AUX
fsr-4067	245	4	encouraged	encourage	VERB
fsr-4067	245	5	to	to	PART
fsr-4067	245	6	consider	consider	VERB
fsr-4067	245	7	how	how	SCONJ
fsr-4067	245	8	they	they	PRON
fsr-4067	245	9	might	might	AUX
fsr-4067	245	10	educate	educate	VERB
fsr-4067	245	11	their	their	PRON
fsr-4067	245	12	clients	client	NOUN
fsr-4067	245	13	to	to	PART
fsr-4067	245	14	protect	protect	VERB
fsr-4067	245	15	against	against	ADP
fsr-4067	245	16	the	the	DET
fsr-4067	245	17	adverse	adverse	ADJ
fsr-4067	245	18	effects	effect	NOUN
fsr-4067	245	19	of	of	ADP
fsr-4067	245	20	peer	peer	NOUN
fsr-4067	245	21	influence	influence	NOUN
fsr-4067	245	22	,	,	PUNCT
fsr-4067	245	23	especially	especially	ADV
fsr-4067	245	24	discouraging	discourage	VERB
fsr-4067	245	25	the	the	DET
fsr-4067	245	26	practice	practice	NOUN
fsr-4067	245	27	of	of	ADP
fsr-4067	245	28	doubling	double	VERB
fsr-4067	245	29	down	down	ADP
fsr-4067	245	30	on	on	ADP
fsr-4067	245	31	herd	herd	NOUN
fsr-4067	245	32	-	-	PUNCT
fsr-4067	245	33	influenced	influence	VERB
fsr-4067	245	34	bets	bet	NOUN
fsr-4067	245	35	using	use	VERB
fsr-4067	245	36	margin	margin	NOUN
fsr-4067	245	37	.	.	PUNCT
fsr-4067	246	1	for	for	ADP
fsr-4067	246	2	example	example	NOUN
fsr-4067	246	3	,	,	PUNCT
fsr-4067	246	4	financial	financial	ADJ
fsr-4067	246	5	planners	planner	NOUN
fsr-4067	246	6	and	and	CCONJ
fsr-4067	246	7	advisors	advisor	NOUN
fsr-4067	246	8	might	might	AUX
fsr-4067	246	9	consider	consider	VERB
fsr-4067	246	10	adding	add	VERB
fsr-4067	246	11	questions	question	NOUN
fsr-4067	246	12	to	to	PART
fsr-4067	246	13	gauge	gauge	VERB
fsr-4067	246	14	susceptibility	susceptibility	NOUN
fsr-4067	246	15	to	to	PART
fsr-4067	246	16	peer	peer	VERB
fsr-4067	246	17	influence	influence	NOUN
fsr-4067	246	18	to	to	ADP
fsr-4067	246	19	their	their	PRON
fsr-4067	246	20	intake	intake	ADJ
fsr-4067	246	21	process	process	NOUN
fsr-4067	246	22	,	,	PUNCT
fsr-4067	246	23	focusing	focus	VERB
fsr-4067	246	24	on	on	ADP
fsr-4067	246	25	this	this	DET
fsr-4067	246	26	issue	issue	NOUN
fsr-4067	246	27	with	with	ADP
fsr-4067	246	28	those	those	PRON
fsr-4067	246	29	who	who	PRON
fsr-4067	246	30	seem	seem	VERB
fsr-4067	246	31	to	to	PART
fsr-4067	246	32	be	be	AUX
fsr-4067	246	33	most	most	ADV
fsr-4067	246	34	at	at	ADP
fsr-4067	246	35	risk	risk	NOUN
fsr-4067	246	36	.	.	PUNCT
fsr-4067	247	1	additionally	additionally	ADV
fsr-4067	247	2	,	,	PUNCT
fsr-4067	247	3	for	for	ADP
fsr-4067	247	4	those	those	PRON
fsr-4067	247	5	more	more	ADV
fsr-4067	247	6	likely	likely	ADJ
fsr-4067	247	7	to	to	PART
fsr-4067	247	8	display	display	VERB
fsr-4067	247	9	herding	herding	NOUN
fsr-4067	247	10	behavior	behavior	NOUN
fsr-4067	247	11	,	,	PUNCT
fsr-4067	247	12	financial	financial	ADJ
fsr-4067	247	13	professionals	professional	NOUN
fsr-4067	247	14	might	might	AUX
fsr-4067	247	15	consider	consider	VERB
fsr-4067	247	16	more	more	ADJ
fsr-4067	247	17	frequent	frequent	ADJ
fsr-4067	247	18	portfolio	portfolio	NOUN
fsr-4067	247	19	reviews	review	NOUN
fsr-4067	247	20	,	,	PUNCT
fsr-4067	247	21	orienting	orient	VERB
fsr-4067	247	22	clients	client	NOUN
fsr-4067	247	23	towards	towards	ADP
fsr-4067	247	24	a	a	DET
fsr-4067	247	25	goal	goal	NOUN
fsr-4067	247	26	-	-	PUNCT
fsr-4067	247	27	focused	focus	VERB
fsr-4067	247	28	rather	rather	ADV
fsr-4067	247	29	than	than	ADP
fsr-4067	247	30	a	a	DET
fsr-4067	247	31	peer	peer	NOUN
fsr-4067	247	32	-	-	PUNCT
fsr-4067	247	33	focused	focus	VERB
fsr-4067	247	34	approach	approach	NOUN
fsr-4067	247	35	to	to	ADP
fsr-4067	247	36	portfolio	portfolio	NOUN
fsr-4067	247	37	management	management	NOUN
fsr-4067	247	38	.	.	PUNCT
fsr-4067	248	1	furthermore	furthermore	ADV
fsr-4067	248	2	,	,	PUNCT
fsr-4067	248	3	the	the	DET
fsr-4067	248	4	relationship	relationship	NOUN
fsr-4067	248	5	between	between	ADP
fsr-4067	248	6	investment	investment	NOUN
fsr-4067	248	7	literacy	literacy	NOUN
fsr-4067	248	8	and	and	CCONJ
fsr-4067	248	9	buying	buy	VERB
fsr-4067	248	10	on	on	ADP
fsr-4067	248	11	margin	margin	NOUN
fsr-4067	248	12	yielded	yield	VERB
fsr-4067	248	13	an	an	DET
fsr-4067	248	14	interesting	interesting	ADJ
fsr-4067	248	15	result	result	NOUN
fsr-4067	248	16	.	.	PUNCT
fsr-4067	249	1	while	while	SCONJ
fsr-4067	249	2	the	the	DET
fsr-4067	249	3	probit	probit	NOUN
fsr-4067	249	4	analysis	analysis	NOUN
fsr-4067	249	5	showed	show	VERB
fsr-4067	249	6	a	a	DET
fsr-4067	249	7	positive	positive	ADJ
fsr-4067	249	8	association	association	NOUN
fsr-4067	249	9	,	,	PUNCT
fsr-4067	249	10	the	the	DET
fsr-4067	249	11	descriptive	descriptive	ADJ
fsr-4067	249	12	sanders	sanders	PROPN
fsr-4067	249	13	&	&	CCONJ
fsr-4067	249	14	olajide	olajide	ADV
fsr-4067	249	15	69	69	NUM
fsr-4067	249	16	statistics	statistic	NOUN
fsr-4067	249	17	showed	show	VERB
fsr-4067	249	18	a	a	DET
fsr-4067	249	19	negative	negative	ADJ
fsr-4067	249	20	association	association	NOUN
fsr-4067	249	21	.	.	PUNCT
fsr-4067	250	1	also	also	ADV
fsr-4067	250	2	,	,	PUNCT
fsr-4067	250	3	a	a	DET
fsr-4067	250	4	negative	negative	ADJ
fsr-4067	250	5	association	association	NOUN
fsr-4067	250	6	was	be	AUX
fsr-4067	250	7	found	find	VERB
fsr-4067	250	8	between	between	ADP
fsr-4067	250	9	investment	investment	NOUN
fsr-4067	250	10	literacy	literacy	NOUN
fsr-4067	250	11	and	and	CCONJ
fsr-4067	250	12	peer	peer	NOUN
fsr-4067	250	13	influence	influence	NOUN
fsr-4067	250	14	,	,	PUNCT
fsr-4067	250	15	indicating	indicate	VERB
fsr-4067	250	16	that	that	SCONJ
fsr-4067	250	17	investors	investor	NOUN
fsr-4067	250	18	who	who	PRON
fsr-4067	250	19	have	have	VERB
fsr-4067	250	20	higher	high	ADJ
fsr-4067	250	21	degrees	degree	NOUN
fsr-4067	250	22	of	of	ADP
fsr-4067	250	23	investment	investment	NOUN
fsr-4067	250	24	literacy	literacy	NOUN
fsr-4067	250	25	are	be	AUX
fsr-4067	250	26	less	less	ADV
fsr-4067	250	27	likely	likely	ADJ
fsr-4067	250	28	to	to	PART
fsr-4067	250	29	be	be	AUX
fsr-4067	250	30	susceptible	susceptible	ADJ
fsr-4067	250	31	to	to	ADP
fsr-4067	250	32	herding	herd	VERB
fsr-4067	250	33	.	.	PUNCT
fsr-4067	251	1	this	this	DET
fsr-4067	251	2	finding	finding	NOUN
fsr-4067	251	3	highlights	highlight	VERB
fsr-4067	251	4	the	the	DET
fsr-4067	251	5	importance	importance	NOUN
fsr-4067	251	6	of	of	ADP
fsr-4067	251	7	improving	improve	VERB
fsr-4067	251	8	investment	investment	NOUN
fsr-4067	251	9	literacy	literacy	NOUN
fsr-4067	251	10	for	for	ADP
fsr-4067	251	11	investors	investor	NOUN
fsr-4067	251	12	through	through	ADP
fsr-4067	251	13	various	various	ADJ
fsr-4067	251	14	investor	investor	NOUN
fsr-4067	251	15	education	education	NOUN
fsr-4067	251	16	programs	program	NOUN
fsr-4067	251	17	.	.	PUNCT
fsr-4067	252	1	another	another	DET
fsr-4067	252	2	interesting	interesting	ADJ
fsr-4067	252	3	finding	finding	NOUN
fsr-4067	252	4	is	be	AUX
fsr-4067	252	5	that	that	SCONJ
fsr-4067	252	6	respondents	respondent	NOUN
fsr-4067	252	7	who	who	PRON
fsr-4067	252	8	rated	rate	VERB
fsr-4067	252	9	themselves	themselves	PRON
fsr-4067	252	10	as	as	ADP
fsr-4067	252	11	being	be	AUX
fsr-4067	252	12	highly	highly	ADV
fsr-4067	252	13	indebted	indebted	ADJ
fsr-4067	252	14	were	be	AUX
fsr-4067	252	15	more	more	ADV
fsr-4067	252	16	likely	likely	ADJ
fsr-4067	252	17	to	to	PART
fsr-4067	252	18	buy	buy	VERB
fsr-4067	252	19	on	on	ADP
fsr-4067	252	20	margin	margin	NOUN
fsr-4067	252	21	.	.	PUNCT
fsr-4067	253	1	this	this	DET
fsr-4067	253	2	finding	finding	NOUN
fsr-4067	253	3	further	far	ADV
fsr-4067	253	4	strengthens	strengthen	VERB
fsr-4067	253	5	the	the	DET
fsr-4067	253	6	argument	argument	NOUN
fsr-4067	253	7	that	that	SCONJ
fsr-4067	253	8	buying	buy	VERB
fsr-4067	253	9	on	on	ADP
fsr-4067	253	10	margin	margin	NOUN
fsr-4067	253	11	is	be	AUX
fsr-4067	253	12	both	both	PRON
fsr-4067	253	13	a	a	DET
fsr-4067	253	14	debt	debt	NOUN
fsr-4067	253	15	and	and	CCONJ
fsr-4067	253	16	an	an	DET
fsr-4067	253	17	investment	investment	NOUN
fsr-4067	253	18	decision	decision	NOUN
fsr-4067	253	19	.	.	PUNCT
fsr-4067	254	1	these	these	DET
fsr-4067	254	2	individuals	individual	NOUN
fsr-4067	254	3	could	could	AUX
fsr-4067	254	4	potentially	potentially	ADV
fsr-4067	254	5	be	be	AUX
fsr-4067	254	6	aided	aid	VERB
fsr-4067	254	7	by	by	ADP
fsr-4067	254	8	policies	policy	NOUN
fsr-4067	254	9	that	that	PRON
fsr-4067	254	10	seek	seek	VERB
fsr-4067	254	11	to	to	PART
fsr-4067	254	12	provide	provide	VERB
fsr-4067	254	13	just	just	ADV
fsr-4067	254	14	-	-	PUNCT
fsr-4067	254	15	in	in	ADP
fsr-4067	254	16	-	-	PUNCT
fsr-4067	254	17	time	time	NOUN
fsr-4067	254	18	education	education	NOUN
fsr-4067	254	19	about	about	ADP
fsr-4067	254	20	the	the	DET
fsr-4067	254	21	risks	risk	NOUN
fsr-4067	254	22	and	and	CCONJ
fsr-4067	254	23	alternatives	alternative	NOUN
fsr-4067	254	24	to	to	PART
fsr-4067	254	25	margin	margin	NOUN
fsr-4067	254	26	use	use	NOUN
fsr-4067	254	27	.	.	PUNCT
fsr-4067	255	1	also	also	ADV
fsr-4067	255	2	,	,	PUNCT
fsr-4067	255	3	financial	financial	ADJ
fsr-4067	255	4	professionals	professional	NOUN
fsr-4067	255	5	could	could	AUX
fsr-4067	255	6	educate	educate	VERB
fsr-4067	255	7	their	their	PRON
fsr-4067	255	8	clients	client	NOUN
fsr-4067	255	9	that	that	SCONJ
fsr-4067	255	10	buying	buy	VERB
fsr-4067	255	11	on	on	ADP
fsr-4067	255	12	margin	margin	NOUN
fsr-4067	255	13	is	be	AUX
fsr-4067	255	14	both	both	PRON
fsr-4067	255	15	a	a	DET
fsr-4067	255	16	debt	debt	NOUN
fsr-4067	255	17	and	and	CCONJ
fsr-4067	255	18	an	an	DET
fsr-4067	255	19	investment	investment	NOUN
fsr-4067	255	20	decision	decision	NOUN
fsr-4067	255	21	,	,	PUNCT
fsr-4067	255	22	which	which	PRON
fsr-4067	255	23	could	could	AUX
fsr-4067	255	24	be	be	AUX
fsr-4067	255	25	a	a	DET
fsr-4067	255	26	beneficial	beneficial	ADJ
fsr-4067	255	27	framing	framing	NOUN
fsr-4067	255	28	.	.	PUNCT
fsr-4067	256	1	other	other	ADJ
fsr-4067	256	2	factors	factor	NOUN
fsr-4067	256	3	positively	positively	ADV
fsr-4067	256	4	associated	associate	VERB
fsr-4067	256	5	with	with	ADP
fsr-4067	256	6	margin	margin	NOUN
fsr-4067	256	7	purchase	purchase	NOUN
fsr-4067	256	8	include	include	VERB
fsr-4067	256	9	age	age	NOUN
fsr-4067	256	10	,	,	PUNCT
fsr-4067	256	11	risk	risk	NOUN
fsr-4067	256	12	tolerance	tolerance	NOUN
fsr-4067	256	13	,	,	PUNCT
fsr-4067	256	14	and	and	CCONJ
fsr-4067	256	15	nonretirement	nonretirement	ADJ
fsr-4067	256	16	portfolio	portfolio	NOUN
fsr-4067	256	17	values	value	NOUN
fsr-4067	256	18	.	.	PUNCT
fsr-4067	257	1	being	be	AUX
fsr-4067	257	2	widowed	widow	VERB
fsr-4067	257	3	was	be	AUX
fsr-4067	257	4	negatively	negatively	ADV
fsr-4067	257	5	associated	associate	VERB
fsr-4067	257	6	with	with	ADP
fsr-4067	257	7	buying	buy	VERB
fsr-4067	257	8	on	on	ADP
fsr-4067	257	9	margin	margin	NOUN
fsr-4067	257	10	.	.	PUNCT
fsr-4067	258	1	references	reference	NOUN
fsr-4067	258	2	ackert	ackert	PROPN
fsr-4067	258	3	,	,	PUNCT
fsr-4067	258	4	l.	l.	PROPN
fsr-4067	258	5	f.	f.	PROPN
fsr-4067	258	6	,	,	PUNCT
fsr-4067	258	7	charupat	charupat	NOUN
fsr-4067	258	8	,	,	PUNCT
fsr-4067	258	9	n.	n.	NOUN
fsr-4067	258	10	,	,	PUNCT
fsr-4067	258	11	church	church	NOUN
fsr-4067	258	12	,	,	PUNCT
fsr-4067	258	13	b.	b.	PROPN
fsr-4067	258	14	k.	k.	PROPN
fsr-4067	258	15	,	,	PUNCT
fsr-4067	258	16	&	&	CCONJ
fsr-4067	258	17	deaves	deaf	NOUN
fsr-4067	258	18	,	,	PUNCT
fsr-4067	258	19	r.	r.	PROPN
fsr-4067	258	20	(	(	PUNCT
fsr-4067	258	21	2006	2006	NUM
fsr-4067	258	22	)	)	PUNCT
fsr-4067	258	23	.	.	PUNCT
fsr-4067	259	1	margin	margin	NOUN
fsr-4067	259	2	,	,	PUNCT
fsr-4067	259	3	short	short	ADJ
fsr-4067	259	4	selling	selling	NOUN
fsr-4067	259	5	,	,	PUNCT
fsr-4067	259	6	and	and	CCONJ
fsr-4067	259	7	lotteries	lottery	NOUN
fsr-4067	259	8	in	in	ADP
fsr-4067	259	9	experimental	experimental	ADJ
fsr-4067	259	10	asset	asset	NOUN
fsr-4067	259	11	markets	market	NOUN
fsr-4067	259	12	.	.	PUNCT
fsr-4067	260	1	southern	southern	ADJ
fsr-4067	260	2	economic	economic	ADJ
fsr-4067	260	3	journal	journal	NOUN
fsr-4067	260	4	,	,	PUNCT
fsr-4067	260	5	73(2	73(2	NUM
fsr-4067	260	6	)	)	PUNCT
fsr-4067	260	7	,	,	PUNCT
fsr-4067	260	8	419	419	NUM
fsr-4067	260	9	-	-	SYM
fsr-4067	260	10	436	436	NUM
fsr-4067	260	11	.	.	PUNCT
fsr-4067	261	1	agarwal	agarwal	PROPN
fsr-4067	261	2	,	,	PUNCT
fsr-4067	261	3	s.	s.	PROPN
fsr-4067	261	4	,	,	PUNCT
fsr-4067	261	5	driscoll	driscoll	PROPN
fsr-4067	261	6	,	,	PUNCT
fsr-4067	261	7	j.	j.	PROPN
fsr-4067	261	8	c.	c.	PROPN
fsr-4067	261	9	,	,	PUNCT
fsr-4067	261	10	gabaix	gabaix	NOUN
fsr-4067	261	11	,	,	PUNCT
fsr-4067	261	12	x.	x.	PROPN
fsr-4067	261	13	,	,	PUNCT
fsr-4067	261	14	&	&	CCONJ
fsr-4067	261	15	laibson	laibson	PROPN
fsr-4067	261	16	,	,	PUNCT
fsr-4067	261	17	d.	d.	PROPN
fsr-4067	261	18	(	(	PUNCT
fsr-4067	261	19	2007	2007	NUM
fsr-4067	261	20	)	)	PUNCT
fsr-4067	261	21	.	.	PUNCT
fsr-4067	262	1	the	the	DET
fsr-4067	262	2	age	age	NOUN
fsr-4067	262	3	of	of	ADP
fsr-4067	262	4	reason	reason	NOUN
fsr-4067	262	5	:	:	PUNCT
fsr-4067	262	6	financial	financial	ADJ
fsr-4067	262	7	decisions	decision	NOUN
fsr-4067	262	8	over	over	ADP
fsr-4067	262	9	the	the	DET
fsr-4067	262	10	lifecycle	lifecycle	NOUN
fsr-4067	262	11	with	with	ADP
fsr-4067	262	12	implications	implication	NOUN
fsr-4067	262	13	for	for	ADP
fsr-4067	262	14	regulation	regulation	NOUN
fsr-4067	262	15	(	(	PUNCT
fsr-4067	262	16	nber	nber	PROPN
fsr-4067	262	17	working	working	PROPN
fsr-4067	262	18	paper	paper	NOUN
fsr-4067	262	19	number	number	NOUN
fsr-4067	262	20	13191	13191	NUM
fsr-4067	262	21	)	)	PUNCT
fsr-4067	262	22	.	.	PUNCT
fsr-4067	263	1	http://www.nber.org/papers/w13191	http://www.nber.org/papers/w13191	X
fsr-4067	263	2	.	.	PUNCT
fsr-4067	263	3	ayres	ayres	PROPN
fsr-4067	263	4	,	,	PUNCT
fsr-4067	263	5	i.	i.	PROPN
fsr-4067	263	6	,	,	PUNCT
fsr-4067	263	7	&	&	CCONJ
fsr-4067	263	8	nalebuff	nalebuff	PROPN
fsr-4067	263	9	,	,	PUNCT
fsr-4067	263	10	b.	b.	PROPN
fsr-4067	263	11	j.	j.	PROPN
fsr-4067	263	12	(	(	PUNCT
fsr-4067	263	13	2010	2010	NUM
fsr-4067	263	14	)	)	PUNCT
fsr-4067	263	15	.	.	PUNCT
fsr-4067	264	1	diversification	diversification	NOUN
fsr-4067	264	2	across	across	ADP
fsr-4067	264	3	time	time	NOUN
fsr-4067	264	4	.	.	PUNCT
fsr-4067	265	1	yale	yale	PROPN
fsr-4067	265	2	law	law	PROPN
fsr-4067	265	3	&	&	CCONJ
fsr-4067	265	4	economics	economics	PROPN
fsr-4067	265	5	research	research	PROPN
fsr-4067	265	6	paper	paper	NOUN
fsr-4067	265	7	no	no	INTJ
fsr-4067	265	8	.	.	PROPN
fsr-4067	266	1	413	413	NUM
fsr-4067	266	2	.	.	PUNCT
fsr-4067	266	3	bakir	bakir	PROPN
fsr-4067	266	4	,	,	PUNCT
fsr-4067	266	5	a.	a.	PROPN
fsr-4067	266	6	,	,	PUNCT
fsr-4067	266	7	rose	rise	VERB
fsr-4067	266	8	,	,	PUNCT
fsr-4067	266	9	g.	g.	PROPN
fsr-4067	266	10	m.	m.	PROPN
fsr-4067	266	11	,	,	PUNCT
fsr-4067	266	12	&	&	CCONJ
fsr-4067	266	13	shoham	shoham	PROPN
fsr-4067	266	14	,	,	PUNCT
fsr-4067	266	15	a.	a.	NOUN
fsr-4067	266	16	(	(	PUNCT
fsr-4067	266	17	2006	2006	NUM
fsr-4067	266	18	)	)	PUNCT
fsr-4067	266	19	.	.	PUNCT
fsr-4067	267	1	family	family	NOUN
fsr-4067	267	2	communication	communication	NOUN
fsr-4067	267	3	patterns	pattern	NOUN
fsr-4067	267	4	:	:	PUNCT
fsr-4067	267	5	mothers	mother	NOUN
fsr-4067	267	6	'	'	PART
fsr-4067	267	7	and	and	CCONJ
fsr-4067	267	8	fathers	father	NOUN
fsr-4067	267	9	'	'	PART
fsr-4067	267	10	communication	communication	NOUN
fsr-4067	267	11	style	style	NOUN
fsr-4067	267	12	and	and	CCONJ
fsr-4067	267	13	children	child	NOUN
fsr-4067	267	14	's	's	PART
fsr-4067	267	15	perceived	perceive	VERB
fsr-4067	267	16	influence	influence	NOUN
fsr-4067	267	17	in	in	ADP
fsr-4067	267	18	family	family	NOUN
fsr-4067	267	19	decision	decision	NOUN
fsr-4067	267	20	making	making	NOUN
fsr-4067	267	21	.	.	PUNCT
fsr-4067	268	1	journal	journal	PROPN
fsr-4067	268	2	of	of	ADP
fsr-4067	268	3	international	international	ADJ
fsr-4067	268	4	consumer	consumer	NOUN
fsr-4067	268	5	marketing	marketing	NOUN
fsr-4067	268	6	,	,	PUNCT
fsr-4067	268	7	19(2	19(2	NUM
fsr-4067	268	8	)	)	PUNCT
fsr-4067	268	9	,	,	PUNCT
fsr-4067	268	10	75	75	NUM
fsr-4067	268	11	-	-	SYM
fsr-4067	268	12	95	95	NUM
fsr-4067	268	13	.	.	PUNCT
fsr-4067	269	1	berlemann	berlemann	PROPN
fsr-4067	269	2	,	,	PUNCT
fsr-4067	269	3	m.	m.	NOUN
fsr-4067	269	4	,	,	PUNCT
fsr-4067	269	5	&	&	CCONJ
fsr-4067	269	6	salland	salland	PROPN
fsr-4067	269	7	,	,	PUNCT
fsr-4067	269	8	j.	j.	PROPN
fsr-4067	269	9	(	(	PUNCT
fsr-4067	269	10	2016	2016	NUM
fsr-4067	269	11	)	)	PUNCT
fsr-4067	269	12	.	.	PUNCT
fsr-4067	270	1	the	the	DET
fsr-4067	270	2	joneses	jones	NOUN
fsr-4067	270	3	’	'	PUNCT
fsr-4067	270	4	income	income	NOUN
fsr-4067	270	5	and	and	CCONJ
fsr-4067	270	6	debt	debt	NOUN
fsr-4067	270	7	market	market	NOUN
fsr-4067	270	8	participation	participation	NOUN
fsr-4067	270	9	:	:	PUNCT
fsr-4067	270	10	empirical	empirical	ADJ
fsr-4067	270	11	evidence	evidence	NOUN
fsr-4067	270	12	from	from	ADP
fsr-4067	270	13	bank	bank	PROPN
fsr-4067	270	14	account	account	NOUN
fsr-4067	270	15	data	datum	NOUN
fsr-4067	270	16	.	.	PUNCT
fsr-4067	271	1	economics	economic	NOUN
fsr-4067	271	2	letters	letter	NOUN
fsr-4067	271	3	,	,	PUNCT
fsr-4067	271	4	142	142	NUM
fsr-4067	271	5	,	,	PUNCT
fsr-4067	271	6	6	6	NUM
fsr-4067	271	7	-	-	SYM
fsr-4067	271	8	9	9	NUM
fsr-4067	271	9	.	.	PUNCT
fsr-4067	272	1	breza	breza	PROPN
fsr-4067	272	2	,	,	PUNCT
fsr-4067	272	3	e.	e.	PROPN
fsr-4067	272	4	(	(	PUNCT
fsr-4067	272	5	2010	2010	NUM
fsr-4067	272	6	)	)	PUNCT
fsr-4067	272	7	.	.	PUNCT
fsr-4067	273	1	peer	peer	NOUN
fsr-4067	273	2	pressure	pressure	NOUN
fsr-4067	273	3	and	and	CCONJ
fsr-4067	273	4	loan	loan	NOUN
fsr-4067	273	5	repayment	repayment	NOUN
fsr-4067	273	6	:	:	PUNCT
fsr-4067	273	7	evidence	evidence	NOUN
fsr-4067	273	8	from	from	ADP
fsr-4067	273	9	a	a	DET
fsr-4067	273	10	natural	natural	ADJ
fsr-4067	273	11	experiment	experiment	NOUN
fsr-4067	273	12	.	.	PUNCT
fsr-4067	274	1	mit	mit	PROPN
fsr-4067	274	2	paper	paper	NOUN
fsr-4067	274	3	,	,	PUNCT
fsr-4067	274	4	285	285	NUM
fsr-4067	274	5	,	,	PUNCT
fsr-4067	274	6	19	19	NUM
fsr-4067	274	7	.	.	NOUN
fsr-4067	274	8	brown	brown	PROPN
fsr-4067	274	9	,	,	PUNCT
fsr-4067	274	10	m.	m.	NOUN
fsr-4067	274	11	,	,	PUNCT
fsr-4067	274	12	&	&	CCONJ
fsr-4067	274	13	graf	graf	PROPN
fsr-4067	274	14	,	,	PUNCT
fsr-4067	274	15	r.	r.	PROPN
fsr-4067	274	16	(	(	PUNCT
fsr-4067	274	17	2013	2013	NUM
fsr-4067	274	18	)	)	PUNCT
fsr-4067	274	19	.	.	PUNCT
fsr-4067	275	1	financial	financial	ADJ
fsr-4067	275	2	literacy	literacy	NOUN
fsr-4067	275	3	,	,	PUNCT
fsr-4067	275	4	household	household	NOUN
fsr-4067	275	5	investment	investment	NOUN
fsr-4067	275	6	and	and	CCONJ
fsr-4067	275	7	household	household	NOUN
fsr-4067	275	8	debt	debt	NOUN
fsr-4067	275	9	:	:	PUNCT
fsr-4067	275	10	evidence	evidence	NOUN
fsr-4067	275	11	from	from	ADP
fsr-4067	275	12	switzerland	switzerland	PROPN
fsr-4067	275	13	.	.	PUNCT
fsr-4067	276	1	swiss	swiss	PROPN
fsr-4067	276	2	institute	institute	PROPN
fsr-4067	276	3	of	of	ADP
fsr-4067	276	4	banking	banking	NOUN
fsr-4067	276	5	and	and	CCONJ
fsr-4067	276	6	finance	finance	NOUN
fsr-4067	276	7	working	working	NOUN
fsr-4067	276	8	paper	paper	NOUN
fsr-4067	276	9	no	no	INTJ
fsr-4067	276	10	.	.	PROPN
fsr-4067	276	11	13/1	13/1	NUM
fsr-4067	276	12	)	)	PUNCT
fsr-4067	276	13	.	.	PUNCT
fsr-4067	277	1	retrieved	retrieve	VERB
fsr-4067	277	2	from	from	ADP
fsr-4067	277	3	https://uxtauri.unisg.ch/repec/usg/sfwpfi/wpf1301.pdf	https://uxtauri.unisg.ch/repec/usg/sfwpfi/wpf1301.pdf	PROPN
fsr-4067	277	4	cao	cao	NOUN
fsr-4067	277	5	,	,	PUNCT
fsr-4067	277	6	y.	y.	PROPN
fsr-4067	277	7	,	,	PUNCT
fsr-4067	277	8	gong	gong	PROPN
fsr-4067	277	9	,	,	PUNCT
fsr-4067	277	10	f.	f.	PROPN
fsr-4067	277	11	,	,	PUNCT
fsr-4067	277	12	&	&	CCONJ
fsr-4067	277	13	zeng	zeng	PROPN
fsr-4067	277	14	,	,	PUNCT
fsr-4067	277	15	t.	t.	PROPN
fsr-4067	277	16	(	(	PUNCT
fsr-4067	277	17	2020	2020	NUM
fsr-4067	277	18	)	)	PUNCT
fsr-4067	277	19	.	.	PUNCT
fsr-4067	278	1	antecedents	antecedent	NOUN
fsr-4067	278	2	and	and	CCONJ
fsr-4067	278	3	consequences	consequence	NOUN
fsr-4067	278	4	of	of	ADP
fsr-4067	278	5	using	use	VERB
fsr-4067	278	6	social	social	ADJ
fsr-4067	278	7	media	medium	NOUN
fsr-4067	278	8	for	for	ADP
fsr-4067	278	9	personal	personal	ADJ
fsr-4067	278	10	finance	finance	NOUN
fsr-4067	278	11	.	.	PUNCT
fsr-4067	279	1	journal	journal	NOUN
fsr-4067	279	2	of	of	ADP
fsr-4067	279	3	financial	financial	ADJ
fsr-4067	279	4	counseling	counseling	NOUN
fsr-4067	279	5	and	and	CCONJ
fsr-4067	279	6	planning	planning	NOUN
fsr-4067	279	7	,	,	PUNCT
fsr-4067	279	8	31(1	31(1	NUM
fsr-4067	279	9	)	)	PUNCT
fsr-4067	279	10	,	,	PUNCT
fsr-4067	279	11	162	162	NUM
fsr-4067	279	12	-	-	SYM
fsr-4067	279	13	176	176	NUM
fsr-4067	279	14	.	.	PUNCT
fsr-4067	280	1	carolan	carolan	PROPN
fsr-4067	280	2	,	,	PUNCT
fsr-4067	280	3	b.	b.	PROPN
fsr-4067	280	4	v.	v.	PROPN
fsr-4067	280	5	(	(	PUNCT
fsr-4067	280	6	2018	2018	NUM
fsr-4067	280	7	)	)	PUNCT
fsr-4067	280	8	.	.	PUNCT
fsr-4067	281	1	friends	friend	NOUN
fsr-4067	281	2	’	'	PUNCT
fsr-4067	281	3	plans	plan	NOUN
fsr-4067	281	4	for	for	ADP
fsr-4067	281	5	college	college	NOUN
fsr-4067	281	6	and	and	CCONJ
fsr-4067	281	7	adolescents	adolescent	NOUN
fsr-4067	281	8	’	'	PUNCT
fsr-4067	281	9	educational	educational	ADJ
fsr-4067	281	10	expectations	expectation	NOUN
fsr-4067	281	11	:	:	PUNCT
fsr-4067	281	12	an	an	DET
fsr-4067	281	13	instrumental	instrumental	ADJ
fsr-4067	281	14	variable	variable	ADJ
fsr-4067	281	15	approach	approach	NOUN
fsr-4067	281	16	.	.	PUNCT
fsr-4067	282	1	international	international	ADJ
fsr-4067	282	2	journal	journal	NOUN
fsr-4067	282	3	of	of	ADP
fsr-4067	282	4	adolescence	adolescence	NOUN
fsr-4067	282	5	and	and	CCONJ
fsr-4067	282	6	youth	youth	NOUN
fsr-4067	282	7	,	,	PUNCT
fsr-4067	282	8	23(3	23(3	NUM
fsr-4067	282	9	)	)	PUNCT
fsr-4067	282	10	,	,	PUNCT
fsr-4067	282	11	334	334	NUM
fsr-4067	282	12	-	-	SYM
fsr-4067	282	13	346	346	NUM
fsr-4067	282	14	.	.	PUNCT
fsr-4067	283	1	charles	charles	PROPN
fsr-4067	283	2	,	,	PUNCT
fsr-4067	283	3	m.	m.	NOUN
fsr-4067	283	4	a.	a.	PROPN
fsr-4067	283	5	,	,	PUNCT
fsr-4067	283	6	&	&	CCONJ
fsr-4067	283	7	kasilingam	kasilingam	PROPN
fsr-4067	283	8	,	,	PUNCT
fsr-4067	283	9	d.	d.	PROPN
fsr-4067	283	10	r.	r.	PROPN
fsr-4067	283	11	(	(	PUNCT
fsr-4067	283	12	2013	2013	NUM
fsr-4067	283	13	)	)	PUNCT
fsr-4067	283	14	.	.	PUNCT
fsr-4067	284	1	does	do	AUX
fsr-4067	284	2	the	the	DET
fsr-4067	284	3	investor	investor	NOUN
fsr-4067	284	4	's	's	PART
fsr-4067	284	5	age	age	NOUN
fsr-4067	284	6	influence	influence	NOUN
fsr-4067	284	7	their	their	PRON
fsr-4067	284	8	investment	investment	NOUN
fsr-4067	284	9	behaviour	behaviour	NOUN
fsr-4067	284	10	?	?	PUNCT
fsr-4067	285	1	paradigm	paradigm	NOUN
fsr-4067	285	2	,	,	PUNCT
fsr-4067	285	3	17(12	17(12	NUM
fsr-4067	285	4	)	)	PUNCT
fsr-4067	285	5	,	,	PUNCT
fsr-4067	285	6	11	11	NUM
fsr-4067	285	7	-	-	SYM
fsr-4067	285	8	24	24	NUM
fsr-4067	285	9	.	.	PUNCT
fsr-4067	286	1	chatterjee	chatterjee	PROPN
fsr-4067	286	2	,	,	PUNCT
fsr-4067	286	3	s.	s.	PROPN
fsr-4067	286	4	(	(	PUNCT
fsr-4067	286	5	2013	2013	NUM
fsr-4067	286	6	)	)	PUNCT
fsr-4067	286	7	.	.	PUNCT
fsr-4067	287	1	borrowing	borrow	VERB
fsr-4067	287	2	decisions	decision	NOUN
fsr-4067	287	3	of	of	ADP
fsr-4067	287	4	credit	credit	NOUN
fsr-4067	287	5	constrained	constrain	VERB
fsr-4067	287	6	consumers	consumer	NOUN
fsr-4067	287	7	and	and	CCONJ
fsr-4067	287	8	the	the	DET
fsr-4067	287	9	role	role	NOUN
fsr-4067	287	10	of	of	ADP
fsr-4067	287	11	financial	financial	ADJ
fsr-4067	287	12	literacy	literacy	NOUN
fsr-4067	287	13	.	.	PUNCT
fsr-4067	288	1	economics	economic	NOUN
fsr-4067	288	2	bulletin	bulletin	PROPN
fsr-4067	288	3	,	,	PUNCT
fsr-4067	288	4	33(1	33(1	NUM
fsr-4067	288	5	)	)	PUNCT
fsr-4067	288	6	,	,	PUNCT
fsr-4067	288	7	179	179	NUM
fsr-4067	288	8	-	-	SYM
fsr-4067	288	9	191	191	NUM
fsr-4067	288	10	.	.	PUNCT
fsr-4067	289	1	churchill	churchill	PROPN
fsr-4067	289	2	jr	jr	PROPN
fsr-4067	289	3	,	,	PUNCT
fsr-4067	289	4	g.	g.	PROPN
fsr-4067	289	5	a.	a.	PROPN
fsr-4067	289	6	,	,	PUNCT
fsr-4067	289	7	&	&	CCONJ
fsr-4067	289	8	moschis	moschis	PROPN
fsr-4067	289	9	,	,	PUNCT
fsr-4067	289	10	g.	g.	PROPN
fsr-4067	289	11	p.	p.	PROPN
fsr-4067	289	12	(	(	PUNCT
fsr-4067	289	13	1979	1979	NUM
fsr-4067	289	14	)	)	PUNCT
fsr-4067	289	15	.	.	PUNCT
fsr-4067	290	1	television	television	NOUN
fsr-4067	290	2	and	and	CCONJ
fsr-4067	290	3	interpersonal	interpersonal	ADJ
fsr-4067	290	4	influences	influence	NOUN
fsr-4067	290	5	on	on	ADP
fsr-4067	290	6	adolescent	adolescent	ADJ
fsr-4067	290	7	consumer	consumer	NOUN
fsr-4067	290	8	learning	learning	NOUN
fsr-4067	290	9	.	.	PUNCT
fsr-4067	291	1	journal	journal	PROPN
fsr-4067	291	2	of	of	ADP
fsr-4067	291	3	consumer	consumer	NOUN
fsr-4067	291	4	research	research	NOUN
fsr-4067	291	5	,	,	PUNCT
fsr-4067	291	6	6(1	6(1	NUM
fsr-4067	291	7	)	)	PUNCT
fsr-4067	291	8	,	,	PUNCT
fsr-4067	291	9	23	23	NUM
fsr-4067	291	10	-	-	SYM
fsr-4067	291	11	35	35	NUM
fsr-4067	291	12	.	.	PUNCT
fsr-4067	292	1	corbin	corbin	PROPN
fsr-4067	292	2	,	,	PUNCT
fsr-4067	292	3	k.	k.	PROPN
fsr-4067	292	4	(	(	PUNCT
fsr-4067	292	5	2023	2023	NUM
fsr-4067	292	6	,	,	PUNCT
fsr-4067	292	7	march	march	PROPN
fsr-4067	292	8	2	2	NUM
fsr-4067	292	9	)	)	PUNCT
fsr-4067	292	10	.	.	PUNCT
fsr-4067	293	1	finra	finra	PROPN
fsr-4067	293	2	warns	warn	VERB
fsr-4067	293	3	brokerage	brokerage	NOUN
fsr-4067	293	4	firms	firm	NOUN
fsr-4067	293	5	on	on	ADP
fsr-4067	293	6	risks	risk	NOUN
fsr-4067	293	7	related	relate	VERB
fsr-4067	293	8	to	to	ADP
fsr-4067	293	9	‘	'	PUNCT
fsr-4067	293	10	finfluencers	finfluencer	NOUN
fsr-4067	293	11	.	.	PUNCT
fsr-4067	294	1	’barron	’barron	PROPN
fsr-4067	294	2	's	's	PART
fsr-4067	294	3	.	.	PUNCT
fsr-4067	295	1	www.barrons.co	www.barrons.co	PROPN
fsr-4067	295	2	m	m	PROPN
fsr-4067	295	3	/	/	SYM
fsr-4067	295	4	advisor	advisor	NOUN
fsr-4067	295	5	/	/	SYM
fsr-4067	295	6	articles	article	NOUN
fsr-4067	295	7	/	/	SYM
fsr-4067	295	8	finra	finra	NOUN
fsr-4067	295	9	-	-	PUNCT
fsr-4067	295	10	finfluencersadvisors-33736bae	finfluencersadvisors-33736bae	PROPN
fsr-4067	295	11	.	.	PUNCT
fsr-4067	296	1	de	de	X
fsr-4067	296	2	veirman	veirman	PROPN
fsr-4067	296	3	,	,	PUNCT
fsr-4067	296	4	m.	m.	NOUN
fsr-4067	296	5	,	,	PUNCT
fsr-4067	296	6	cauberghe	cauberghe	ADJ
fsr-4067	296	7	,	,	PUNCT
fsr-4067	296	8	v.	v.	ADJ
fsr-4067	296	9	,	,	PUNCT
fsr-4067	296	10	&	&	CCONJ
fsr-4067	296	11	hudders	hudder	NOUN
fsr-4067	296	12	,	,	PUNCT
fsr-4067	296	13	l.	l.	PROPN
fsr-4067	296	14	(	(	PUNCT
fsr-4067	296	15	2017	2017	NUM
fsr-4067	296	16	)	)	PUNCT
fsr-4067	296	17	.	.	PUNCT
fsr-4067	297	1	marketing	market	VERB
fsr-4067	297	2	through	through	ADP
fsr-4067	297	3	instagram	instagram	PROPN
fsr-4067	297	4	influencers	influencer	NOUN
fsr-4067	297	5	:	:	PUNCT
fsr-4067	297	6	the	the	DET
fsr-4067	297	7	impact	impact	NOUN
fsr-4067	297	8	of	of	ADP
fsr-4067	297	9	number	number	NOUN
fsr-4067	297	10	of	of	ADP
fsr-4067	297	11	followers	follower	NOUN
fsr-4067	297	12	and	and	CCONJ
fsr-4067	297	13	product	product	NOUN
fsr-4067	297	14	divergence	divergence	NOUN
fsr-4067	297	15	on	on	ADP
fsr-4067	297	16	brand	brand	NOUN
fsr-4067	297	17	attitude	attitude	NOUN
fsr-4067	297	18	.	.	PUNCT
fsr-4067	298	1	international	international	ADJ
fsr-4067	298	2	journal	journal	NOUN
fsr-4067	298	3	of	of	ADP
fsr-4067	298	4	advertising	advertising	PROPN
fsr-4067	298	5	,	,	PUNCT
fsr-4067	298	6	36(5	36(5	NUM
fsr-4067	298	7	)	)	PUNCT
fsr-4067	298	8	,	,	PUNCT
fsr-4067	298	9	798	798	NUM
fsr-4067	298	10	-	-	SYM
fsr-4067	298	11	828	828	NUM
fsr-4067	298	12	.	.	PUNCT
fsr-4067	299	1	del	del	PROPN
fsr-4067	299	2	rio	rio	PROPN
fsr-4067	299	3	,	,	PUNCT
fsr-4067	299	4	a.	a.	PROPN
fsr-4067	299	5	,	,	PUNCT
fsr-4067	299	6	&	&	CCONJ
fsr-4067	299	7	young	young	ADJ
fsr-4067	299	8	,	,	PUNCT
fsr-4067	299	9	g.	g.	PROPN
fsr-4067	299	10	(	(	PUNCT
fsr-4067	299	11	2006	2006	NUM
fsr-4067	299	12	)	)	PUNCT
fsr-4067	299	13	.	.	PUNCT
fsr-4067	300	1	the	the	DET
fsr-4067	300	2	determinants	determinant	NOUN
fsr-4067	300	3	of	of	ADP
fsr-4067	300	4	unsecured	unsecured	ADJ
fsr-4067	300	5	borrowing	borrowing	NOUN
fsr-4067	300	6	:	:	PUNCT
fsr-4067	300	7	http://www.nber.org/papers/w13191	http://www.nber.org/papers/w13191	NUM
fsr-4067	300	8	https://ux-tauri.unisg.ch/repec/usg/sfwpfi/wpf-1301.pdf	https://ux-tauri.unisg.ch/repec/usg/sfwpfi/wpf-1301.pdf	VERB
fsr-4067	300	9	https://ux-tauri.unisg.ch/repec/usg/sfwpfi/wpf-1301.pdf	https://ux-tauri.unisg.ch/repec/usg/sfwpfi/wpf-1301.pdf	PROPN
fsr-4067	300	10	https://ux-tauri.unisg.ch/repec/usg/sfwpfi/wpf-1301.pdf	https://ux-tauri.unisg.ch/repec/usg/sfwpfi/wpf-1301.pdf	PROPN
fsr-4067	300	11	http://www.barrons.com/advisor/articles/finra-finfluencers-advisors-33736bae	http://www.barrons.com/advisor/articles/finra-finfluencers-advisors-33736bae	ADJ
fsr-4067	300	12	http://www.barrons.com/advisor/articles/finra-finfluencers-advisors-33736bae	http://www.barrons.com/advisor/articles/finra-finfluencers-advisors-33736bae	ADJ
fsr-4067	300	13	http://www.barrons.com/advisor/articles/finra-finfluencers-advisors-33736bae	http://www.barrons.com/advisor/articles/finra-finfluencers-advisors-33736bae	ADJ
fsr-4067	300	14	financial	financial	ADJ
fsr-4067	300	15	services	service	NOUN
fsr-4067	300	16	review	review	NOUN
fsr-4067	300	17	,	,	PUNCT
fsr-4067	300	18	33(2	33(2	NUM
fsr-4067	300	19	)	)	PUNCT
fsr-4067	300	20	70	70	NUM
fsr-4067	300	21	evidence	evidence	NOUN
fsr-4067	300	22	from	from	ADP
fsr-4067	300	23	the	the	DET
fsr-4067	300	24	bhps	bhps	NOUN
fsr-4067	300	25	.	.	PUNCT
fsr-4067	301	1	applied	apply	VERB
fsr-4067	301	2	financial	financial	ADJ
fsr-4067	301	3	economics	economic	NOUN
fsr-4067	301	4	,	,	PUNCT
fsr-4067	301	5	16(15	16(15	NUM
fsr-4067	301	6	)	)	PUNCT
fsr-4067	301	7	,	,	PUNCT
fsr-4067	301	8	1119	1119	NUM
fsr-4067	301	9	-	-	SYM
fsr-4067	301	10	1144	1144	NUM
fsr-4067	301	11	.	.	PUNCT
fsr-4067	302	1	dusia	dusia	PROPN
fsr-4067	302	2	,	,	PUNCT
fsr-4067	302	3	s.	s.	PROPN
fsr-4067	302	4	l.	l.	PROPN
fsr-4067	302	5	,	,	PUNCT
fsr-4067	302	6	setyabudhi	setyabudhi	PROPN
fsr-4067	302	7	,	,	PUNCT
fsr-4067	302	8	k.	k.	PROPN
fsr-4067	302	9	n.	n.	PROPN
fsr-4067	302	10	,	,	PUNCT
fsr-4067	302	11	&	&	CCONJ
fsr-4067	302	12	malelak	malelak	PROPN
fsr-4067	302	13	,	,	PUNCT
fsr-4067	302	14	m.	m.	NOUN
fsr-4067	302	15	i.	i.	PROPN
fsr-4067	302	16	(	(	PUNCT
fsr-4067	302	17	2023	2023	NUM
fsr-4067	302	18	)	)	PUNCT
fsr-4067	302	19	.	.	PUNCT
fsr-4067	303	1	the	the	DET
fsr-4067	303	2	effect	effect	NOUN
fsr-4067	303	3	of	of	ADP
fsr-4067	303	4	debt	debt	NOUN
fsr-4067	303	5	attitude	attitude	NOUN
fsr-4067	303	6	and	and	CCONJ
fsr-4067	303	7	peer	peer	NOUN
fsr-4067	303	8	influence	influence	NOUN
fsr-4067	303	9	on	on	ADP
fsr-4067	303	10	debt	debt	NOUN
fsr-4067	303	11	behavior	behavior	NOUN
fsr-4067	303	12	.	.	PUNCT
fsr-4067	304	1	international	international	ADJ
fsr-4067	304	2	journal	journal	PROPN
fsr-4067	304	3	of	of	ADP
fsr-4067	304	4	financial	financial	ADJ
fsr-4067	304	5	,	,	PUNCT
fsr-4067	304	6	accounting	accounting	NOUN
fsr-4067	304	7	,	,	PUNCT
fsr-4067	304	8	and	and	CCONJ
fsr-4067	304	9	management	management	NOUN
fsr-4067	304	10	,	,	PUNCT
fsr-4067	304	11	4(4	4(4	NUM
fsr-4067	304	12	)	)	PUNCT
fsr-4067	304	13	,	,	PUNCT
fsr-4067	304	14	463	463	NUM
fsr-4067	304	15	-	-	SYM
fsr-4067	304	16	479	479	NUM
fsr-4067	304	17	.	.	PUNCT
fsr-4067	305	1	eberhardt	eberhardt	PROPN
fsr-4067	305	2	,	,	PUNCT
fsr-4067	305	3	w.	w.	PROPN
fsr-4067	305	4	,	,	PUNCT
fsr-4067	305	5	bruine	bruine	PROPN
fsr-4067	305	6	de	de	PROPN
fsr-4067	305	7	bruin	bruin	PROPN
fsr-4067	305	8	,	,	PUNCT
fsr-4067	305	9	w.	w.	PROPN
fsr-4067	305	10	,	,	PUNCT
fsr-4067	305	11	&	&	CCONJ
fsr-4067	305	12	strough	strough	PROPN
fsr-4067	305	13	,	,	PUNCT
fsr-4067	305	14	j.	j.	PROPN
fsr-4067	305	15	(	(	PUNCT
fsr-4067	305	16	2018	2018	NUM
fsr-4067	305	17	)	)	PUNCT
fsr-4067	305	18	.	.	PUNCT
fsr-4067	306	1	age	age	NOUN
fsr-4067	306	2	differences	difference	NOUN
fsr-4067	306	3	in	in	ADP
fsr-4067	306	4	financial	financial	ADJ
fsr-4067	306	5	decision	decision	NOUN
fsr-4067	306	6	making	make	VERB
fsr-4067	306	7	:	:	PUNCT
fsr-4067	306	8	the	the	DET
fsr-4067	306	9	benefits	benefit	NOUN
fsr-4067	306	10	of	of	ADP
fsr-4067	306	11	more	more	ADJ
fsr-4067	306	12	experience	experience	NOUN
fsr-4067	306	13	and	and	CCONJ
fsr-4067	306	14	less	less	ADV
fsr-4067	306	15	negative	negative	ADJ
fsr-4067	306	16	emotions	emotion	NOUN
fsr-4067	306	17	.	.	PUNCT
fsr-4067	307	1	journal	journal	NOUN
fsr-4067	307	2	of	of	ADP
fsr-4067	307	3	behavioral	behavioral	ADJ
fsr-4067	307	4	decision	decision	NOUN
fsr-4067	307	5	making	making	NOUN
fsr-4067	307	6	,	,	PUNCT
fsr-4067	307	7	32(1	32(1	NUM
fsr-4067	307	8	)	)	PUNCT
fsr-4067	307	9	,	,	PUNCT
fsr-4067	307	10	79	79	NUM
fsr-4067	307	11	-	-	SYM
fsr-4067	307	12	93	93	NUM
fsr-4067	307	13	.	.	PUNCT
fsr-4067	308	1	finra	finra	PROPN
fsr-4067	308	2	.	.	PUNCT
fsr-4067	309	1	(	(	PUNCT
fsr-4067	309	2	2024	2024	NUM
fsr-4067	309	3	)	)	PUNCT
fsr-4067	309	4	.	.	PUNCT
fsr-4067	310	1	margin	margin	NOUN
fsr-4067	310	2	statistics	statistic	NOUN
fsr-4067	310	3	.	.	PUNCT
fsr-4067	311	1	retrieved	retrieve	VERB
fsr-4067	311	2	from	from	ADP
fsr-4067	311	3	https://www.finra.org/rulesguidance/key-topics/marginaccounts/margin-statistics	https://www.finra.org/rulesguidance/key-topics/marginaccounts/margin-statistic	NOUN
fsr-4067	311	4	frydman	frydman	NOUN
fsr-4067	311	5	,	,	PUNCT
fsr-4067	311	6	c.	c.	PROPN
fsr-4067	311	7	(	(	PUNCT
fsr-4067	311	8	2015	2015	NUM
fsr-4067	311	9	)	)	PUNCT
fsr-4067	311	10	.	.	PUNCT
fsr-4067	312	1	what	what	PRON
fsr-4067	312	2	drives	drive	VERB
fsr-4067	312	3	peer	peer	NOUN
fsr-4067	312	4	effects	effect	NOUN
fsr-4067	312	5	in	in	ADP
fsr-4067	312	6	financial	financial	ADJ
fsr-4067	312	7	decision	decision	NOUN
fsr-4067	312	8	-	-	PUNCT
fsr-4067	312	9	making	making	NOUN
fsr-4067	312	10	?	?	PUNCT
fsr-4067	313	1	neural	neural	ADJ
fsr-4067	313	2	and	and	CCONJ
fsr-4067	313	3	behavioral	behavioral	ADJ
fsr-4067	313	4	evidence	evidence	NOUN
fsr-4067	313	5	.	.	PUNCT
fsr-4067	314	1	ssrn	ssrn	PROPN
fsr-4067	314	2	electronic	electronic	ADJ
fsr-4067	314	3	journal	journal	NOUN
fsr-4067	314	4	,	,	PUNCT
fsr-4067	314	5	10	10	NUM
fsr-4067	314	6	.	.	PUNCT
fsr-4067	315	1	https://www.aeaweb.org/conference/201	https://www.aeaweb.org/conference/201	NUM
fsr-4067	315	2	5	5	NUM
fsr-4067	315	3	/	/	SYM
fsr-4067	315	4	retrieve.php?pdfid=2266&tk	retrieve.php?pdfid=2266&tk	NOUN
fsr-4067	315	5	=	=	SYM
fsr-4067	315	6	kfkr4rf	kfkr4rf	PROPN
fsr-4067	315	7	d	d	X
fsr-4067	315	8	gardner	gardner	NOUN
fsr-4067	315	9	,	,	PUNCT
fsr-4067	315	10	m.	m.	NOUN
fsr-4067	315	11	,	,	PUNCT
fsr-4067	315	12	&	&	CCONJ
fsr-4067	315	13	steinberg	steinberg	PROPN
fsr-4067	315	14	,	,	PUNCT
fsr-4067	315	15	l.	l.	PROPN
fsr-4067	315	16	(	(	PUNCT
fsr-4067	315	17	2005	2005	NUM
fsr-4067	315	18	)	)	PUNCT
fsr-4067	315	19	.	.	PUNCT
fsr-4067	316	1	peer	peer	NOUN
fsr-4067	316	2	influence	influence	NOUN
fsr-4067	316	3	on	on	ADP
fsr-4067	316	4	risk	risk	NOUN
fsr-4067	316	5	taking	taking	NOUN
fsr-4067	316	6	,	,	PUNCT
fsr-4067	316	7	risk	risk	NOUN
fsr-4067	316	8	preference	preference	NOUN
fsr-4067	316	9	,	,	PUNCT
fsr-4067	316	10	and	and	CCONJ
fsr-4067	316	11	risky	risky	ADJ
fsr-4067	316	12	decision	decision	NOUN
fsr-4067	316	13	making	make	VERB
fsr-4067	316	14	in	in	ADP
fsr-4067	316	15	adolescence	adolescence	NOUN
fsr-4067	316	16	and	and	CCONJ
fsr-4067	316	17	adulthood	adulthood	NOUN
fsr-4067	316	18	:	:	PUNCT
fsr-4067	316	19	an	an	DET
fsr-4067	316	20	experimental	experimental	ADJ
fsr-4067	316	21	study	study	NOUN
fsr-4067	316	22	.	.	PUNCT
fsr-4067	317	1	developmental	developmental	ADJ
fsr-4067	317	2	psychology	psychology	NOUN
fsr-4067	317	3	,	,	PUNCT
fsr-4067	317	4	41(4	41(4	NUM
fsr-4067	317	5	)	)	PUNCT
fsr-4067	317	6	,	,	PUNCT
fsr-4067	317	7	625	625	NUM
fsr-4067	317	8	.	.	PUNCT
fsr-4067	318	1	gathergood	gathergood	PROPN
fsr-4067	318	2	,	,	PUNCT
fsr-4067	318	3	j.	j.	PROPN
fsr-4067	318	4	,	,	PUNCT
fsr-4067	318	5	&	&	CCONJ
fsr-4067	318	6	disney	disney	PROPN
fsr-4067	318	7	,	,	PUNCT
fsr-4067	318	8	r.	r.	PROPN
fsr-4067	318	9	f.	f.	PROPN
fsr-4067	318	10	(	(	PUNCT
fsr-4067	318	11	2011	2011	NUM
fsr-4067	318	12	)	)	PUNCT
fsr-4067	318	13	.	.	PUNCT
fsr-4067	319	1	financial	financial	ADJ
fsr-4067	319	2	literacy	literacy	NOUN
fsr-4067	319	3	and	and	CCONJ
fsr-4067	319	4	indebtedness	indebtedness	NOUN
fsr-4067	319	5	:	:	PUNCT
fsr-4067	319	6	new	new	ADJ
fsr-4067	319	7	evidence	evidence	NOUN
fsr-4067	319	8	for	for	ADP
fsr-4067	319	9	uk	uk	PROPN
fsr-4067	319	10	consumers	consumer	NOUN
fsr-4067	319	11	.	.	PUNCT
fsr-4067	320	1	retrieved	retrieve	VERB
fsr-4067	320	2	from	from	ADP
fsr-4067	320	3	https://papers.ssrn.com/sol3/papers.cfm	https://papers.ssrn.com/sol3/papers.cfm	PROPN
fsr-4067	320	4	?	?	PUNCT
fsr-4067	321	1	abstract_id=1851343	abstract_id=1851343	PROPN
fsr-4067	321	2	.	.	PUNCT
fsr-4067	322	1	georgarakos	georgarakos	PROPN
fsr-4067	322	2	,	,	PUNCT
fsr-4067	322	3	d.	d.	PROPN
fsr-4067	322	4	,	,	PUNCT
fsr-4067	322	5	haliassos	haliassos	NOUN
fsr-4067	322	6	,	,	PUNCT
fsr-4067	322	7	m.	m.	NOUN
fsr-4067	322	8	,	,	PUNCT
fsr-4067	322	9	&	&	CCONJ
fsr-4067	322	10	pasini	pasini	PROPN
fsr-4067	322	11	,	,	PUNCT
fsr-4067	322	12	g.	g.	PROPN
fsr-4067	322	13	(	(	PUNCT
fsr-4067	322	14	2014	2014	NUM
fsr-4067	322	15	)	)	PUNCT
fsr-4067	322	16	.	.	PUNCT
fsr-4067	323	1	household	household	NOUN
fsr-4067	323	2	debt	debt	NOUN
fsr-4067	323	3	and	and	CCONJ
fsr-4067	323	4	social	social	ADJ
fsr-4067	323	5	interactions	interaction	NOUN
fsr-4067	323	6	.	.	PUNCT
fsr-4067	324	1	the	the	DET
fsr-4067	324	2	review	review	NOUN
fsr-4067	324	3	of	of	ADP
fsr-4067	324	4	financial	financial	ADJ
fsr-4067	324	5	studies	study	NOUN
fsr-4067	324	6	,	,	PUNCT
fsr-4067	324	7	27(5	27(5	PROPN
fsr-4067	324	8	)	)	PUNCT
fsr-4067	324	9	,	,	PUNCT
fsr-4067	324	10	1404	1404	NUM
fsr-4067	324	11	-	-	SYM
fsr-4067	324	12	1433	1433	NUM
fsr-4067	324	13	.	.	PUNCT
fsr-4067	325	1	gerrans	gerran	NOUN
fsr-4067	325	2	,	,	PUNCT
fsr-4067	325	3	p.	p.	PROPN
fsr-4067	325	4	,	,	PUNCT
fsr-4067	325	5	moulang	moulang	PROPN
fsr-4067	325	6	,	,	PUNCT
fsr-4067	325	7	c.	c.	PROPN
fsr-4067	325	8	,	,	PUNCT
fsr-4067	325	9	feng	feng	PROPN
fsr-4067	325	10	,	,	PUNCT
fsr-4067	325	11	j.	j.	PROPN
fsr-4067	325	12	,	,	PUNCT
fsr-4067	325	13	&	&	CCONJ
fsr-4067	325	14	strydom	strydom	NOUN
fsr-4067	325	15	,	,	PUNCT
fsr-4067	325	16	m.	m.	NOUN
fsr-4067	325	17	(	(	PUNCT
fsr-4067	325	18	2018	2018	NUM
fsr-4067	325	19	)	)	PUNCT
fsr-4067	325	20	.	.	PUNCT
fsr-4067	326	1	individual	individual	ADJ
fsr-4067	326	2	and	and	CCONJ
fsr-4067	326	3	peer	peer	NOUN
fsr-4067	326	4	effects	effect	NOUN
fsr-4067	326	5	in	in	ADP
fsr-4067	326	6	retirement	retirement	NOUN
fsr-4067	326	7	savings	saving	NOUN
fsr-4067	326	8	investment	investment	NOUN
fsr-4067	326	9	choices	choice	NOUN
fsr-4067	326	10	.	.	PUNCT
fsr-4067	327	1	pacific	pacific	ADJ
fsr-4067	327	2	-	-	PUNCT
fsr-4067	327	3	basin	basin	NOUN
fsr-4067	327	4	finance	finance	NOUN
fsr-4067	327	5	journal	journal	NOUN
fsr-4067	327	6	,	,	PUNCT
fsr-4067	327	7	47	47	NUM
fsr-4067	327	8	,	,	PUNCT
fsr-4067	327	9	150	150	NUM
fsr-4067	327	10	-	-	SYM
fsr-4067	327	11	165	165	NUM
fsr-4067	327	12	.	.	PUNCT
fsr-4067	327	13	gutter	gutter	NOUN
fsr-4067	327	14	,	,	PUNCT
fsr-4067	327	15	m.	m.	NOUN
fsr-4067	327	16	s.	s.	PROPN
fsr-4067	327	17	,	,	PUNCT
fsr-4067	327	18	garrison	garrison	NOUN
fsr-4067	327	19	,	,	PUNCT
fsr-4067	327	20	s.	s.	PROPN
fsr-4067	327	21	,	,	PUNCT
fsr-4067	327	22	&	&	CCONJ
fsr-4067	327	23	copur	copur	PROPN
fsr-4067	327	24	,	,	PUNCT
fsr-4067	327	25	z.	z.	PROPN
fsr-4067	327	26	(	(	PUNCT
fsr-4067	327	27	2010	2010	NUM
fsr-4067	327	28	)	)	PUNCT
fsr-4067	327	29	.	.	PUNCT
fsr-4067	328	1	social	social	ADJ
fsr-4067	328	2	learning	learn	VERB
fsr-4067	328	3	opportunities	opportunity	NOUN
fsr-4067	328	4	and	and	CCONJ
fsr-4067	328	5	the	the	DET
fsr-4067	328	6	financial	financial	ADJ
fsr-4067	328	7	behaviors	behavior	NOUN
fsr-4067	328	8	of	of	ADP
fsr-4067	328	9	college	college	NOUN
fsr-4067	328	10	students	student	NOUN
fsr-4067	328	11	.	.	PUNCT
fsr-4067	329	1	family	family	NOUN
fsr-4067	329	2	and	and	CCONJ
fsr-4067	329	3	consumer	consumer	NOUN
fsr-4067	329	4	sciences	sciences	PROPN
fsr-4067	329	5	research	research	NOUN
fsr-4067	329	6	journal	journal	NOUN
fsr-4067	329	7	,	,	PUNCT
fsr-4067	329	8	38(4	38(4	NUM
fsr-4067	329	9	)	)	PUNCT
fsr-4067	329	10	,	,	PUNCT
fsr-4067	329	11	387	387	NUM
fsr-4067	329	12	-	-	SYM
fsr-4067	329	13	404	404	NUM
fsr-4067	329	14	.	.	PUNCT
fsr-4067	330	1	hardouvelis	hardouvelis	PROPN
fsr-4067	330	2	,	,	PUNCT
fsr-4067	330	3	g.	g.	PROPN
fsr-4067	330	4	a.	a.	PROPN
fsr-4067	330	5	,	,	PUNCT
fsr-4067	330	6	&	&	CCONJ
fsr-4067	330	7	peristiani	peristiani	PROPN
fsr-4067	330	8	,	,	PUNCT
fsr-4067	330	9	s.	s.	PROPN
fsr-4067	330	10	(	(	PUNCT
fsr-4067	330	11	1992	1992	NUM
fsr-4067	330	12	)	)	PUNCT
fsr-4067	330	13	.	.	PUNCT
fsr-4067	331	1	margin	margin	NOUN
fsr-4067	331	2	requirements	requirement	NOUN
fsr-4067	331	3	,	,	PUNCT
fsr-4067	331	4	speculative	speculative	ADJ
fsr-4067	331	5	trading	trading	NOUN
fsr-4067	331	6	,	,	PUNCT
fsr-4067	331	7	and	and	CCONJ
fsr-4067	331	8	stock	stock	NOUN
fsr-4067	331	9	price	price	NOUN
fsr-4067	331	10	fluctuations	fluctuation	NOUN
fsr-4067	331	11	:	:	PUNCT
fsr-4067	331	12	the	the	DET
fsr-4067	331	13	case	case	NOUN
fsr-4067	331	14	of	of	ADP
fsr-4067	331	15	japan	japan	PROPN
fsr-4067	331	16	.	.	PUNCT
fsr-4067	332	1	the	the	DET
fsr-4067	332	2	quarterly	quarterly	ADJ
fsr-4067	332	3	journal	journal	NOUN
fsr-4067	332	4	of	of	ADP
fsr-4067	332	5	economics	economic	NOUN
fsr-4067	332	6	,	,	PUNCT
fsr-4067	332	7	107(4	107(4	NUM
fsr-4067	332	8	)	)	PUNCT
fsr-4067	332	9	,	,	PUNCT
fsr-4067	332	10	1333	1333	NUM
fsr-4067	332	11	-	-	SYM
fsr-4067	332	12	1370	1370	NUM
fsr-4067	332	13	.	.	PUNCT
fsr-4067	333	1	heimer	heimer	PROPN
fsr-4067	333	2	,	,	PUNCT
fsr-4067	333	3	r.	r.	PROPN
fsr-4067	333	4	z.	z.	PROPN
fsr-4067	333	5	(	(	PUNCT
fsr-4067	333	6	2016	2016	NUM
fsr-4067	333	7	)	)	PUNCT
fsr-4067	333	8	.	.	PUNCT
fsr-4067	334	1	peer	peer	NOUN
fsr-4067	334	2	pressure	pressure	NOUN
fsr-4067	334	3	:	:	PUNCT
fsr-4067	334	4	social	social	ADJ
fsr-4067	334	5	interaction	interaction	NOUN
fsr-4067	334	6	and	and	CCONJ
fsr-4067	334	7	the	the	DET
fsr-4067	334	8	disposition	disposition	NOUN
fsr-4067	334	9	effect	effect	NOUN
fsr-4067	334	10	.	.	PUNCT
fsr-4067	335	1	the	the	DET
fsr-4067	335	2	review	review	NOUN
fsr-4067	335	3	of	of	ADP
fsr-4067	335	4	financial	financial	ADJ
fsr-4067	335	5	studies	study	NOUN
fsr-4067	335	6	,	,	PUNCT
fsr-4067	335	7	29(11	29(11	NUM
fsr-4067	335	8	)	)	PUNCT
fsr-4067	335	9	,	,	PUNCT
fsr-4067	335	10	3177	3177	NUM
fsr-4067	335	11	-	-	SYM
fsr-4067	335	12	3209	3209	NUM
fsr-4067	335	13	.	.	PUNCT
fsr-4067	336	1	hong	hong	PROPN
fsr-4067	336	2	,	,	PUNCT
fsr-4067	336	3	h.	h.	PROPN
fsr-4067	336	4	,	,	PUNCT
fsr-4067	336	5	kubik	kubik	PROPN
fsr-4067	336	6	,	,	PUNCT
fsr-4067	336	7	j.	j.	PROPN
fsr-4067	336	8	d.	d.	PROPN
fsr-4067	336	9	,	,	PUNCT
fsr-4067	336	10	&	&	CCONJ
fsr-4067	336	11	stein	stein	PROPN
fsr-4067	336	12	,	,	PUNCT
fsr-4067	336	13	j.	j.	PROPN
fsr-4067	336	14	c.	c.	PROPN
fsr-4067	336	15	(	(	PUNCT
fsr-4067	336	16	2004	2004	NUM
fsr-4067	336	17	)	)	PUNCT
fsr-4067	336	18	.	.	PUNCT
fsr-4067	337	1	social	social	ADJ
fsr-4067	337	2	interaction	interaction	NOUN
fsr-4067	337	3	and	and	CCONJ
fsr-4067	337	4	stock‐	stock‐	NOUN
fsr-4067	337	5	market	market	NOUN
fsr-4067	337	6	participation	participation	NOUN
fsr-4067	337	7	.	.	PUNCT
fsr-4067	338	1	the	the	DET
fsr-4067	338	2	journal	journal	NOUN
fsr-4067	338	3	of	of	ADP
fsr-4067	338	4	finance	finance	NOUN
fsr-4067	338	5	,	,	PUNCT
fsr-4067	338	6	59(1	59(1	NUM
fsr-4067	338	7	)	)	PUNCT
fsr-4067	338	8	,	,	PUNCT
fsr-4067	338	9	137	137	NUM
fsr-4067	338	10	-	-	SYM
fsr-4067	338	11	163	163	NUM
fsr-4067	338	12	.	.	PUNCT
fsr-4067	339	1	huston	huston	PROPN
fsr-4067	339	2	,	,	PUNCT
fsr-4067	339	3	s.	s.	PROPN
fsr-4067	339	4	j.	j.	PROPN
fsr-4067	339	5	(	(	PUNCT
fsr-4067	339	6	2010	2010	NUM
fsr-4067	339	7	)	)	PUNCT
fsr-4067	339	8	.	.	PUNCT
fsr-4067	340	1	measuring	measure	VERB
fsr-4067	340	2	financial	financial	ADJ
fsr-4067	340	3	literacy	literacy	NOUN
fsr-4067	340	4	.	.	PUNCT
fsr-4067	341	1	journal	journal	NOUN
fsr-4067	341	2	of	of	ADP
fsr-4067	341	3	consumer	consumer	NOUN
fsr-4067	341	4	affairs	affair	NOUN
fsr-4067	341	5	,	,	PUNCT
fsr-4067	341	6	44(2	44(2	NOUN
fsr-4067	341	7	)	)	PUNCT
fsr-4067	341	8	,	,	PUNCT
fsr-4067	341	9	296	296	NUM
fsr-4067	341	10	-	-	SYM
fsr-4067	341	11	316	316	NUM
fsr-4067	341	12	.	.	PUNCT
fsr-4067	342	1	jamilakhon	jamilakhon	PROPN
fsr-4067	342	2	,	,	PUNCT
fsr-4067	342	3	k.	k.	PROPN
fsr-4067	342	4	,	,	PUNCT
fsr-4067	342	5	singh	singh	PROPN
fsr-4067	342	6	,	,	PUNCT
fsr-4067	342	7	j.	j.	PROPN
fsr-4067	342	8	s.	s.	PROPN
fsr-4067	342	9	k.	k.	PROPN
fsr-4067	342	10	,	,	PUNCT
fsr-4067	342	11	subramaniam	subramaniam	PROPN
fsr-4067	342	12	,	,	PUNCT
fsr-4067	342	13	a.	a.	PROPN
fsr-4067	342	14	,	,	PUNCT
fsr-4067	342	15	&	&	CCONJ
fsr-4067	342	16	suppramaniam	suppramaniam	PROPN
fsr-4067	342	17	,	,	PUNCT
fsr-4067	342	18	s.	s.	PROPN
fsr-4067	342	19	(	(	PUNCT
fsr-4067	342	20	2020	2020	NUM
fsr-4067	342	21	)	)	PUNCT
fsr-4067	342	22	.	.	PUNCT
fsr-4067	343	1	determinants	determinant	NOUN
fsr-4067	343	2	of	of	ADP
fsr-4067	343	3	debt	debt	NOUN
fsr-4067	343	4	behavior	behavior	NOUN
fsr-4067	343	5	.	.	PUNCT
fsr-4067	344	1	a	a	DET
fsr-4067	344	2	quantitative	quantitative	ADJ
fsr-4067	344	3	study	study	NOUN
fsr-4067	344	4	among	among	ADP
fsr-4067	344	5	generation	generation	NOUN
fsr-4067	344	6	y	y	PROPN
fsr-4067	344	7	individuals	individual	NOUN
fsr-4067	344	8	in	in	ADP
fsr-4067	344	9	tashkent	tashkent	NOUN
fsr-4067	344	10	,	,	PUNCT
fsr-4067	344	11	uzbekistan	uzbekistan	PROPN
fsr-4067	344	12	.	.	PUNCT
fsr-4067	345	1	test	test	NOUN
fsr-4067	345	2	:	:	PUNCT
fsr-4067	346	1	eng	eng	PROPN
fsr-4067	346	2	.	.	PROPN
fsr-4067	346	3	manag	manag	PROPN
fsr-4067	346	4	.	.	PUNCT
fsr-4067	347	1	j	j	NOUN
fsr-4067	347	2	,	,	PUNCT
fsr-4067	347	3	82(12	82(12	NUM
fsr-4067	347	4	)	)	PUNCT
fsr-4067	347	5	,	,	PUNCT
fsr-4067	347	6	891	891	NUM
fsr-4067	347	7	-	-	SYM
fsr-4067	347	8	904	904	NUM
fsr-4067	347	9	.	.	PUNCT
fsr-4067	348	1	juster	juster	NOUN
fsr-4067	348	2	,	,	PUNCT
fsr-4067	348	3	f.	f.	PROPN
fsr-4067	348	4	t.	t.	PROPN
fsr-4067	348	5	,	,	PUNCT
fsr-4067	348	6	&	&	CCONJ
fsr-4067	348	7	shay	shay	PROPN
fsr-4067	348	8	,	,	PUNCT
fsr-4067	348	9	r.	r.	PROPN
fsr-4067	348	10	p.	p.	PROPN
fsr-4067	348	11	(	(	PUNCT
fsr-4067	348	12	1964	1964	NUM
fsr-4067	348	13	)	)	PUNCT
fsr-4067	348	14	.	.	PUNCT
fsr-4067	349	1	consumer	consumer	NOUN
fsr-4067	349	2	knowledge	knowledge	NOUN
fsr-4067	349	3	of	of	ADP
fsr-4067	349	4	finance	finance	NOUN
fsr-4067	349	5	rates	rate	NOUN
fsr-4067	349	6	.	.	PUNCT
fsr-4067	350	1	in	in	ADP
fsr-4067	350	2	consumer	consumer	NOUN
fsr-4067	350	3	sensitivity	sensitivity	NOUN
fsr-4067	350	4	to	to	PART
fsr-4067	350	5	finance	finance	VERB
fsr-4067	350	6	rates	rate	NOUN
fsr-4067	350	7	:	:	PUNCT
fsr-4067	350	8	an	an	DET
fsr-4067	350	9	empirical	empirical	ADJ
fsr-4067	350	10	and	and	CCONJ
fsr-4067	350	11	analytical	analytical	ADJ
fsr-4067	350	12	investigation	investigation	NOUN
fsr-4067	350	13	(	(	PUNCT
fsr-4067	350	14	pp	pp	ADJ
fsr-4067	350	15	.	.	PUNCT
fsr-4067	351	1	47	47	NUM
fsr-4067	351	2	-	-	SYM
fsr-4067	351	3	75	75	NUM
fsr-4067	351	4	)	)	PUNCT
fsr-4067	351	5	.	.	PUNCT
fsr-4067	352	1	nber	nber	PROPN
fsr-4067	352	2	.	.	PUNCT
fsr-4067	352	3	keynes	keynes	PROPN
fsr-4067	352	4	,	,	PUNCT
fsr-4067	352	5	j.	j.	PROPN
fsr-4067	352	6	m.	m.	PROPN
fsr-4067	352	7	(	(	PUNCT
fsr-4067	352	8	1937	1937	NUM
fsr-4067	352	9	)	)	PUNCT
fsr-4067	352	10	.	.	PUNCT
fsr-4067	353	1	the	the	DET
fsr-4067	353	2	general	general	ADJ
fsr-4067	353	3	theory	theory	NOUN
fsr-4067	353	4	of	of	ADP
fsr-4067	353	5	employment	employment	NOUN
fsr-4067	353	6	.	.	PUNCT
fsr-4067	354	1	the	the	DET
fsr-4067	354	2	quarterly	quarterly	ADJ
fsr-4067	354	3	journal	journal	NOUN
fsr-4067	354	4	of	of	ADP
fsr-4067	354	5	economics	economic	NOUN
fsr-4067	354	6	,	,	PUNCT
fsr-4067	354	7	51(2	51(2	NUM
fsr-4067	354	8	)	)	PUNCT
fsr-4067	354	9	,	,	PUNCT
fsr-4067	354	10	209	209	NUM
fsr-4067	354	11	-	-	SYM
fsr-4067	354	12	223	223	NUM
fsr-4067	354	13	.	.	PUNCT
fsr-4067	355	1	khalid	khalid	PROPN
fsr-4067	355	2	,	,	PUNCT
fsr-4067	355	3	f.	f.	PROPN
fsr-4067	355	4	(	(	PUNCT
fsr-4067	355	5	2020	2020	NUM
fsr-4067	355	6	)	)	PUNCT
fsr-4067	355	7	.	.	PUNCT
fsr-4067	356	1	factor	factor	NOUN
fsr-4067	356	2	affecting	affect	VERB
fsr-4067	356	3	investment	investment	NOUN
fsr-4067	356	4	behavior	behavior	NOUN
fsr-4067	356	5	:	:	PUNCT
fsr-4067	356	6	mediating	mediate	VERB
fsr-4067	356	7	role	role	NOUN
fsr-4067	356	8	of	of	ADP
fsr-4067	356	9	selfefficacy	selfefficacy	NOUN
fsr-4067	356	10	.	.	PUNCT
fsr-4067	357	1	journal	journal	PROPN
fsr-4067	357	2	of	of	ADP
fsr-4067	357	3	finance	finance	PROPN
fsr-4067	357	4	&	&	CCONJ
fsr-4067	357	5	economics	economics	PROPN
fsr-4067	357	6	research	research	NOUN
fsr-4067	357	7	,	,	PUNCT
fsr-4067	357	8	5(2	5(2	NUM
fsr-4067	357	9	)	)	PUNCT
fsr-4067	357	10	,	,	PUNCT
fsr-4067	357	11	112	112	NUM
fsr-4067	357	12	-	-	SYM
fsr-4067	357	13	125	125	NUM
fsr-4067	357	14	.	.	PUNCT
fsr-4067	358	1	khan	khan	PROPN
fsr-4067	358	2	,	,	PUNCT
fsr-4067	358	3	h.	h.	PROPN
fsr-4067	358	4	a.	a.	PROPN
fsr-4067	358	5	,	,	PUNCT
fsr-4067	358	6	kamal	kamal	PROPN
fsr-4067	358	7	,	,	PUNCT
fsr-4067	358	8	y.	y.	PROPN
fsr-4067	358	9	,	,	PUNCT
fsr-4067	358	10	&	&	CCONJ
fsr-4067	358	11	saleem	saleem	PROPN
fsr-4067	358	12	,	,	PUNCT
fsr-4067	358	13	s.	s.	PROPN
fsr-4067	358	14	(	(	PUNCT
fsr-4067	358	15	2016	2016	NUM
fsr-4067	358	16	)	)	PUNCT
fsr-4067	358	17	.	.	PUNCT
fsr-4067	359	1	peer	peer	NOUN
fsr-4067	359	2	influence	influence	NOUN
fsr-4067	359	3	on	on	ADP
fsr-4067	359	4	young	young	ADJ
fsr-4067	359	5	adults	adult	NOUN
fsr-4067	359	6	’	'	PUNCT
fsr-4067	359	7	products	product	NOUN
fsr-4067	359	8	purchase	purchase	NOUN
fsr-4067	359	9	decisions	decision	NOUN
fsr-4067	359	10	.	.	PUNCT
fsr-4067	360	1	business	business	NOUN
fsr-4067	360	2	&	&	CCONJ
fsr-4067	360	3	economic	economic	PROPN
fsr-4067	360	4	review	review	PROPN
fsr-4067	360	5	,	,	PUNCT
fsr-4067	360	6	8(se	8(se	NUM
fsr-4067	360	7	)	)	PUNCT
fsr-4067	360	8	,	,	PUNCT
fsr-4067	360	9	83	83	NUM
fsr-4067	360	10	-	-	SYM
fsr-4067	360	11	92	92	NUM
fsr-4067	360	12	.	.	PUNCT
fsr-4067	361	1	kim	kim	PROPN
fsr-4067	361	2	,	,	PUNCT
fsr-4067	361	3	h.	h.	PROPN
fsr-4067	361	4	,	,	PUNCT
fsr-4067	361	5	kim	kim	PROPN
fsr-4067	361	6	,	,	PUNCT
fsr-4067	361	7	k.	k.	PROPN
fsr-4067	361	8	t.	t.	PROPN
fsr-4067	361	9	,	,	PUNCT
fsr-4067	361	10	&	&	CCONJ
fsr-4067	361	11	hanna	hanna	PROPN
fsr-4067	361	12	,	,	PUNCT
fsr-4067	361	13	s.	s.	PROPN
fsr-4067	361	14	d.	d.	PROPN
fsr-4067	361	15	(	(	PUNCT
fsr-4067	361	16	2022	2022	NUM
fsr-4067	361	17	)	)	PUNCT
fsr-4067	361	18	.	.	PUNCT
fsr-4067	362	1	the	the	DET
fsr-4067	362	2	effect	effect	NOUN
fsr-4067	362	3	of	of	ADP
fsr-4067	362	4	investment	investment	NOUN
fsr-4067	362	5	literacy	literacy	NOUN
fsr-4067	362	6	on	on	ADP
fsr-4067	362	7	the	the	DET
fsr-4067	362	8	likelihood	likelihood	NOUN
fsr-4067	362	9	of	of	ADP
fsr-4067	362	10	retail	retail	ADJ
fsr-4067	362	11	investor	investor	NOUN
fsr-4067	362	12	margin	margin	NOUN
fsr-4067	362	13	trading	trading	NOUN
fsr-4067	362	14	and	and	CCONJ
fsr-4067	362	15	having	have	VERB
fsr-4067	362	16	a	a	DET
fsr-4067	362	17	margin	margin	NOUN
fsr-4067	362	18	call	call	NOUN
fsr-4067	362	19	.	.	PUNCT
fsr-4067	363	1	finance	finance	NOUN
fsr-4067	363	2	research	research	NOUN
fsr-4067	363	3	letters	letter	NOUN
fsr-4067	363	4	,	,	PUNCT
fsr-4067	363	5	45	45	NUM
fsr-4067	363	6	,	,	PUNCT
fsr-4067	363	7	102146	102146	NUM
fsr-4067	363	8	.	.	PUNCT
fsr-4067	364	1	korniotis	korniotis	PROPN
fsr-4067	364	2	,	,	PUNCT
fsr-4067	364	3	g.	g.	PROPN
fsr-4067	364	4	m.	m.	PROPN
fsr-4067	364	5	,	,	PUNCT
fsr-4067	364	6	&	&	CCONJ
fsr-4067	364	7	kumar	kumar	PROPN
fsr-4067	364	8	,	,	PUNCT
fsr-4067	364	9	a.	a.	NOUN
fsr-4067	364	10	(	(	PUNCT
fsr-4067	364	11	2011	2011	NUM
fsr-4067	364	12	)	)	PUNCT
fsr-4067	364	13	.	.	PUNCT
fsr-4067	365	1	do	do	AUX
fsr-4067	365	2	older	old	ADJ
fsr-4067	365	3	investors	investor	NOUN
fsr-4067	365	4	make	make	VERB
fsr-4067	365	5	better	well	ADJ
fsr-4067	365	6	investment	investment	NOUN
fsr-4067	365	7	decisions	decision	NOUN
fsr-4067	365	8	?	?	PUNCT
fsr-4067	366	1	the	the	DET
fsr-4067	366	2	review	review	NOUN
fsr-4067	366	3	of	of	ADP
fsr-4067	366	4	economics	economic	NOUN
fsr-4067	366	5	and	and	CCONJ
fsr-4067	366	6	statistics	statistic	NOUN
fsr-4067	366	7	,	,	PUNCT
fsr-4067	366	8	93(1	93(1	NUM
fsr-4067	366	9	)	)	PUNCT
fsr-4067	366	10	,	,	PUNCT
fsr-4067	366	11	244265	244265	NUM
fsr-4067	366	12	.	.	PUNCT
fsr-4067	367	1	https://www.finra.org/rules-guidance/key-topics/margin-accounts/margin-statistics	https://www.finra.org/rules-guidance/key-topics/margin-accounts/margin-statistic	NOUN
fsr-4067	367	2	https://www.finra.org/rules-guidance/key-topics/margin-accounts/margin-statistics	https://www.finra.org/rules-guidance/key-topics/margin-accounts/margin-statistic	NOUN
fsr-4067	367	3	https://www.finra.org/rules-guidance/key-topics/margin-accounts/margin-statistics	https://www.finra.org/rules-guidance/key-topics/margin-accounts/margin-statistic	NOUN
fsr-4067	367	4	https://papers.ssrn.com/sol3/papers.cfm?abstract_id=1851343	https://papers.ssrn.com/sol3/papers.cfm?abstract_id=1851343	PROPN
fsr-4067	367	5	https://papers.ssrn.com/sol3/papers.cfm?abstract_id=1851343	https://papers.ssrn.com/sol3/papers.cfm?abstract_id=1851343	PROPN
fsr-4067	367	6	sanders	sanders	PROPN
fsr-4067	367	7	&	&	CCONJ
fsr-4067	367	8	olajide	olajide	VERB
fsr-4067	367	9	71	71	NUM
fsr-4067	367	10	kumar	kumar	PROPN
fsr-4067	367	11	,	,	PUNCT
fsr-4067	367	12	s.	s.	PROPN
fsr-4067	367	13	,	,	PUNCT
fsr-4067	367	14	&	&	CCONJ
fsr-4067	367	15	goyal	goyal	PROPN
fsr-4067	367	16	,	,	PUNCT
fsr-4067	367	17	n.	n.	NOUN
fsr-4067	367	18	(	(	PUNCT
fsr-4067	367	19	2015	2015	NUM
fsr-4067	367	20	)	)	PUNCT
fsr-4067	367	21	.	.	PUNCT
fsr-4067	368	1	behavioural	behavioural	ADJ
fsr-4067	368	2	biases	bias	NOUN
fsr-4067	368	3	in	in	ADP
fsr-4067	368	4	investment	investment	NOUN
fsr-4067	368	5	decision	decision	NOUN
fsr-4067	368	6	making	making	NOUN
fsr-4067	368	7	–	–	PUNCT
fsr-4067	368	8	a	a	DET
fsr-4067	368	9	systematic	systematic	ADJ
fsr-4067	368	10	literature	literature	NOUN
fsr-4067	368	11	review	review	NOUN
fsr-4067	368	12	.	.	PUNCT
fsr-4067	369	1	qualitative	qualitative	ADJ
fsr-4067	369	2	research	research	NOUN
fsr-4067	369	3	in	in	ADP
fsr-4067	369	4	financial	financial	ADJ
fsr-4067	369	5	markets	market	NOUN
fsr-4067	369	6	,	,	PUNCT
fsr-4067	369	7	7(1	7(1	NUM
fsr-4067	369	8	)	)	PUNCT
fsr-4067	369	9	,	,	PUNCT
fsr-4067	369	10	88108	88108	NUM
fsr-4067	369	11	.	.	PUNCT
fsr-4067	370	1	lebaron	lebaron	PROPN
fsr-4067	370	2	-	-	PUNCT
fsr-4067	370	3	black	black	PROPN
fsr-4067	370	4	,	,	PUNCT
fsr-4067	370	5	a.	a.	PROPN
fsr-4067	370	6	b.	b.	PROPN
fsr-4067	370	7	,	,	PUNCT
fsr-4067	370	8	kelley	kelley	PROPN
fsr-4067	370	9	,	,	PUNCT
fsr-4067	370	10	h.	h.	PROPN
fsr-4067	370	11	h.	h.	PROPN
fsr-4067	370	12	,	,	PUNCT
fsr-4067	370	13	jeffrey	jeffrey	PROPN
fsr-4067	370	14	,	,	PUNCT
fsr-4067	370	15	h.	h.	PROPN
fsr-4067	370	16	e.	e.	PROPN
fsr-4067	370	17	,	,	PUNCT
fsr-4067	370	18	jorgensen	jorgensen	PROPN
fsr-4067	370	19	,	,	PUNCT
fsr-4067	370	20	b.	b.	PROPN
fsr-4067	370	21	l.	l.	PROPN
fsr-4067	370	22	,	,	PUNCT
fsr-4067	370	23	&	&	CCONJ
fsr-4067	370	24	jensen	jensen	PROPN
fsr-4067	370	25	,	,	PUNCT
fsr-4067	370	26	j.	j.	PROPN
fsr-4067	370	27	f.	f.	PROPN
fsr-4067	370	28	(	(	PUNCT
fsr-4067	370	29	2023	2023	NUM
fsr-4067	370	30	)	)	PUNCT
fsr-4067	370	31	.	.	PUNCT
fsr-4067	371	1	financial	financial	ADJ
fsr-4067	371	2	socialization	socialization	NOUN
fsr-4067	371	3	agents	agent	NOUN
fsr-4067	371	4	and	and	CCONJ
fsr-4067	371	5	spending	spending	NOUN
fsr-4067	371	6	behavior	behavior	NOUN
fsr-4067	371	7	of	of	ADP
fsr-4067	371	8	emerging	emerge	VERB
fsr-4067	371	9	adults	adult	NOUN
fsr-4067	371	10	:	:	PUNCT
fsr-4067	371	11	do	do	VERB
fsr-4067	371	12	parents	parent	NOUN
fsr-4067	371	13	,	,	PUNCT
fsr-4067	371	14	peers	peer	NOUN
fsr-4067	371	15	,	,	PUNCT
fsr-4067	371	16	employment	employment	NOUN
fsr-4067	371	17	,	,	PUNCT
fsr-4067	371	18	and	and	CCONJ
fsr-4067	371	19	media	medium	NOUN
fsr-4067	371	20	matter	matter	NOUN
fsr-4067	371	21	?	?	PUNCT
fsr-4067	372	1	journal	journal	NOUN
fsr-4067	372	2	of	of	ADP
fsr-4067	372	3	financial	financial	ADJ
fsr-4067	372	4	counseling	counseling	NOUN
fsr-4067	372	5	and	and	CCONJ
fsr-4067	372	6	planning	planning	NOUN
fsr-4067	372	7	,	,	PUNCT
fsr-4067	372	8	34(1	34(1	NUM
fsr-4067	372	9	)	)	PUNCT
fsr-4067	372	10	,	,	PUNCT
fsr-4067	372	11	6	6	NUM
fsr-4067	372	12	-	-	SYM
fsr-4067	372	13	19	19	NUM
fsr-4067	372	14	.	.	PUNCT
fsr-4067	372	15	lusardi	lusardi	PROPN
fsr-4067	372	16	,	,	PUNCT
fsr-4067	372	17	a.	a.	PROPN
fsr-4067	372	18	,	,	PUNCT
fsr-4067	372	19	&	&	CCONJ
fsr-4067	372	20	mitchell	mitchell	PROPN
fsr-4067	372	21	,	,	PUNCT
fsr-4067	372	22	o.	o.	PROPN
fsr-4067	372	23	s.	s.	PROPN
fsr-4067	372	24	(	(	PUNCT
fsr-4067	372	25	2014	2014	NUM
fsr-4067	372	26	)	)	PUNCT
fsr-4067	372	27	.	.	PUNCT
fsr-4067	373	1	the	the	DET
fsr-4067	373	2	economic	economic	ADJ
fsr-4067	373	3	importance	importance	NOUN
fsr-4067	373	4	of	of	ADP
fsr-4067	373	5	financial	financial	ADJ
fsr-4067	373	6	literacy	literacy	NOUN
fsr-4067	373	7	:	:	PUNCT
fsr-4067	373	8	theory	theory	NOUN
fsr-4067	373	9	and	and	CCONJ
fsr-4067	373	10	evidence	evidence	NOUN
fsr-4067	373	11	.	.	PUNCT
fsr-4067	374	1	american	american	ADJ
fsr-4067	374	2	economic	economic	PROPN
fsr-4067	374	3	journal	journal	PROPN
fsr-4067	374	4	:	:	PUNCT
fsr-4067	374	5	journal	journal	NOUN
fsr-4067	374	6	of	of	ADP
fsr-4067	374	7	economic	economic	ADJ
fsr-4067	374	8	literature	literature	NOUN
fsr-4067	374	9	,	,	PUNCT
fsr-4067	374	10	52(1	52(1	NOUN
fsr-4067	374	11	)	)	PUNCT
fsr-4067	374	12	,	,	PUNCT
fsr-4067	374	13	5	5	NUM
fsr-4067	374	14	-	-	SYM
fsr-4067	374	15	44	44	NUM
fsr-4067	374	16	.	.	PUNCT
fsr-4067	375	1	lusardi	lusardi	PROPN
fsr-4067	375	2	,	,	PUNCT
fsr-4067	375	3	a.	a.	PROPN
fsr-4067	375	4	,	,	PUNCT
fsr-4067	375	5	&	&	CCONJ
fsr-4067	375	6	tufano	tufano	ADJ
fsr-4067	375	7	,	,	PUNCT
fsr-4067	375	8	p.	p.	NOUN
fsr-4067	375	9	(	(	PUNCT
fsr-4067	375	10	2015	2015	NUM
fsr-4067	375	11	)	)	PUNCT
fsr-4067	375	12	.	.	PUNCT
fsr-4067	376	1	debt	debt	NOUN
fsr-4067	376	2	literacy	literacy	NOUN
fsr-4067	376	3	,	,	PUNCT
fsr-4067	376	4	financial	financial	ADJ
fsr-4067	376	5	experiences	experience	NOUN
fsr-4067	376	6	,	,	PUNCT
fsr-4067	376	7	and	and	CCONJ
fsr-4067	376	8	over	over	ADP
fsr-4067	376	9	indebtedness	indebtedness	NOUN
fsr-4067	376	10	.	.	PUNCT
fsr-4067	377	1	journal	journal	NOUN
fsr-4067	377	2	of	of	ADP
fsr-4067	377	3	pension	pension	NOUN
fsr-4067	377	4	economics	economic	NOUN
fsr-4067	377	5	&	&	CCONJ
fsr-4067	377	6	finance	finance	PROPN
fsr-4067	377	7	,	,	PUNCT
fsr-4067	377	8	14(4	14(4	NUM
fsr-4067	377	9	)	)	PUNCT
fsr-4067	377	10	,	,	PUNCT
fsr-4067	377	11	332	332	NUM
fsr-4067	377	12	-	-	SYM
fsr-4067	377	13	368	368	NUM
fsr-4067	377	14	.	.	PUNCT
fsr-4067	378	1	mylonidis	mylonidi	NOUN
fsr-4067	378	2	,	,	PUNCT
fsr-4067	378	3	n.	n.	NOUN
fsr-4067	378	4	,	,	PUNCT
fsr-4067	378	5	&	&	CCONJ
fsr-4067	378	6	oikonomou	oikonomou	PROPN
fsr-4067	378	7	,	,	PUNCT
fsr-4067	378	8	l.	l.	PROPN
fsr-4067	378	9	g.	g.	PROPN
fsr-4067	378	10	(	(	PUNCT
fsr-4067	378	11	2021	2021	NUM
fsr-4067	378	12	)	)	PUNCT
fsr-4067	378	13	.	.	PUNCT
fsr-4067	379	1	tracing	trace	VERB
fsr-4067	379	2	the	the	DET
fsr-4067	379	3	impact	impact	NOUN
fsr-4067	379	4	of	of	ADP
fsr-4067	379	5	peers	peer	NOUN
fsr-4067	379	6	on	on	ADP
fsr-4067	379	7	households	household	NOUN
fsr-4067	379	8	’	'	PUNCT
fsr-4067	379	9	economic	economic	ADJ
fsr-4067	379	10	behavior	behavior	NOUN
fsr-4067	379	11	.	.	PUNCT
fsr-4067	380	1	economic	economic	ADJ
fsr-4067	380	2	change	change	NOUN
fsr-4067	380	3	and	and	CCONJ
fsr-4067	380	4	restructuring	restructuring	NOUN
fsr-4067	380	5	,	,	PUNCT
fsr-4067	380	6	54	54	NUM
fsr-4067	380	7	,	,	PUNCT
fsr-4067	380	8	655	655	NUM
fsr-4067	380	9	-	-	SYM
fsr-4067	380	10	681	681	NUM
fsr-4067	380	11	.	.	PUNCT
fsr-4067	381	1	nguyen	nguyen	NOUN
fsr-4067	381	2	,	,	PUNCT
fsr-4067	381	3	t.	t.	PROPN
fsr-4067	381	4	a.	a.	PROPN
fsr-4067	381	5	n.	n.	PROPN
fsr-4067	381	6	,	,	PUNCT
fsr-4067	381	7	&	&	CCONJ
fsr-4067	381	8	nguyen	nguyen	PROPN
fsr-4067	381	9	,	,	PUNCT
fsr-4067	381	10	k.	k.	PROPN
fsr-4067	381	11	m.	m.	PROPN
fsr-4067	381	12	(	(	PUNCT
fsr-4067	381	13	2020	2020	NUM
fsr-4067	381	14	)	)	PUNCT
fsr-4067	381	15	.	.	PUNCT
fsr-4067	382	1	role	role	NOUN
fsr-4067	382	2	of	of	ADP
fsr-4067	382	3	financial	financial	ADJ
fsr-4067	382	4	literacy	literacy	NOUN
fsr-4067	382	5	and	and	CCONJ
fsr-4067	382	6	peer	peer	NOUN
fsr-4067	382	7	effect	effect	NOUN
fsr-4067	382	8	in	in	ADP
fsr-4067	382	9	promotion	promotion	NOUN
fsr-4067	382	10	of	of	ADP
fsr-4067	382	11	financial	financial	ADJ
fsr-4067	382	12	market	market	NOUN
fsr-4067	382	13	participation	participation	NOUN
fsr-4067	382	14	:	:	PUNCT
fsr-4067	382	15	empirical	empirical	ADJ
fsr-4067	382	16	evidence	evidence	NOUN
fsr-4067	382	17	in	in	ADP
fsr-4067	382	18	vietnam	vietnam	PROPN
fsr-4067	382	19	.	.	PUNCT
fsr-4067	383	1	the	the	DET
fsr-4067	383	2	journal	journal	NOUN
fsr-4067	383	3	of	of	ADP
fsr-4067	383	4	asian	asian	ADJ
fsr-4067	383	5	finance	finance	NOUN
fsr-4067	383	6	,	,	PUNCT
fsr-4067	383	7	econom03ics	econom03ics	NOUN
fsr-4067	383	8	and	and	CCONJ
fsr-4067	383	9	business	business	NOUN
fsr-4067	383	10	,	,	PUNCT
fsr-4067	383	11	7(6	7(6	NUM
fsr-4067	383	12	)	)	PUNCT
fsr-4067	383	13	,	,	PUNCT
fsr-4067	383	14	1	1	NUM
fsr-4067	383	15	-	-	SYM
fsr-4067	383	16	8	8	NUM
fsr-4067	383	17	.	.	PUNCT
fsr-4067	383	18	place	place	NOUN
fsr-4067	383	19	,	,	PUNCT
fsr-4067	383	20	n.	n.	NOUN
fsr-4067	383	21	(	(	PUNCT
fsr-4067	383	22	2022	2022	NUM
fsr-4067	383	23	,	,	PUNCT
fsr-4067	383	24	august	august	PROPN
fsr-4067	383	25	18	18	NUM
fsr-4067	383	26	)	)	PUNCT
fsr-4067	383	27	.	.	PUNCT
fsr-4067	384	1	social	social	ADJ
fsr-4067	384	2	media	medium	NOUN
fsr-4067	384	3	‘	'	PUNCT
fsr-4067	384	4	finfluencers	finfluencer	NOUN
fsr-4067	384	5	’	'	PUNCT
fsr-4067	384	6	are	be	AUX
fsr-4067	384	7	misleading	mislead	VERB
fsr-4067	384	8	investors	investor	NOUN
fsr-4067	384	9	:	:	PUNCT
fsr-4067	384	10	young	young	ADJ
fsr-4067	384	11	investors	investor	NOUN
fsr-4067	384	12	are	be	AUX
fsr-4067	384	13	increasingly	increasingly	ADV
fsr-4067	384	14	turning	turn	VERB
fsr-4067	384	15	to	to	ADP
fsr-4067	384	16	tiktokers	tiktoker	NOUN
fsr-4067	384	17	and	and	CCONJ
fsr-4067	384	18	youtubers	youtuber	NOUN
fsr-4067	384	19	for	for	ADP
fsr-4067	384	20	stock	stock	NOUN
fsr-4067	384	21	tips	tip	NOUN
fsr-4067	384	22	,	,	PUNCT
fsr-4067	384	23	often	often	ADV
fsr-4067	384	24	with	with	ADP
fsr-4067	384	25	bad	bad	ADJ
fsr-4067	384	26	results	result	NOUN
fsr-4067	384	27	.	.	PUNCT
fsr-4067	385	1	financial	financial	ADJ
fsr-4067	385	2	planning	planning	NOUN
fsr-4067	385	3	.	.	PUNCT
fsr-4067	386	1	retrieved	retrieve	VERB
fsr-4067	386	2	from	from	ADP
fsr-4067	386	3	www.financialplanning.com/news/beware-thefinfluencer-how-social-media-stars-aremisinforming-young-investors	www.financialplanning.com/news/beware-thefinfluencer-how-social-media-stars-aremisinforming-young-investor	NOUN
fsr-4067	386	4	.	.	PUNCT
fsr-4067	387	1	shivapour	shivapour	PROPN
fsr-4067	387	2	,	,	PUNCT
fsr-4067	387	3	s.	s.	PROPN
fsr-4067	387	4	k.	k.	PROPN
fsr-4067	387	5	,	,	PUNCT
fsr-4067	387	6	nguyen	nguyen	PROPN
fsr-4067	387	7	,	,	PUNCT
fsr-4067	387	8	c.	c.	PROPN
fsr-4067	387	9	m.	m.	PROPN
fsr-4067	387	10	,	,	PUNCT
fsr-4067	387	11	cole	cole	PROPN
fsr-4067	387	12	,	,	PUNCT
fsr-4067	387	13	c.	c.	PROPN
fsr-4067	387	14	a.	a.	PROPN
fsr-4067	387	15	,	,	PUNCT
fsr-4067	387	16	&	&	CCONJ
fsr-4067	387	17	denburg	denburg	PROPN
fsr-4067	387	18	,	,	PUNCT
fsr-4067	387	19	n.	n.	PROPN
fsr-4067	387	20	l.	l.	PROPN
fsr-4067	387	21	(	(	PUNCT
fsr-4067	387	22	2012	2012	NUM
fsr-4067	387	23	)	)	PUNCT
fsr-4067	387	24	.	.	PUNCT
fsr-4067	388	1	effects	effect	NOUN
fsr-4067	388	2	of	of	ADP
fsr-4067	388	3	age	age	NOUN
fsr-4067	388	4	,	,	PUNCT
fsr-4067	388	5	sex	sex	NOUN
fsr-4067	388	6	,	,	PUNCT
fsr-4067	388	7	and	and	CCONJ
fsr-4067	388	8	neuropsychological	neuropsychological	ADJ
fsr-4067	388	9	performance	performance	NOUN
fsr-4067	388	10	on	on	ADP
fsr-4067	388	11	financial	financial	ADJ
fsr-4067	388	12	decisionmaking	decisionmaking	NOUN
fsr-4067	388	13	.	.	PUNCT
fsr-4067	389	1	frontiers	frontier	NOUN
fsr-4067	389	2	in	in	ADP
fsr-4067	389	3	neuroscience	neuroscience	NOUN
fsr-4067	389	4	,	,	PUNCT
fsr-4067	389	5	6	6	NUM
fsr-4067	389	6	,	,	PUNCT
fsr-4067	389	7	82	82	NUM
fsr-4067	389	8	.	.	PUNCT
fsr-4067	390	1	supinah	supinah	PROPN
fsr-4067	390	2	,	,	PUNCT
fsr-4067	390	3	r.	r.	PROPN
fsr-4067	390	4	,	,	PUNCT
fsr-4067	390	5	japang	japang	PROPN
fsr-4067	390	6	,	,	PUNCT
fsr-4067	390	7	m.	m.	NOUN
fsr-4067	390	8	,	,	PUNCT
fsr-4067	390	9	amin	amin	PROPN
fsr-4067	390	10	,	,	PUNCT
fsr-4067	390	11	h.	h.	PROPN
fsr-4067	390	12	,	,	PUNCT
fsr-4067	390	13	&	&	CCONJ
fsr-4067	390	14	hwa	hwa	PROPN
fsr-4067	390	15	,	,	PUNCT
fsr-4067	390	16	m.	m.	NOUN
fsr-4067	390	17	a.	a.	PROPN
fsr-4067	390	18	c.	c.	PROPN
fsr-4067	390	19	(	(	PUNCT
fsr-4067	390	20	2016	2016	NUM
fsr-4067	390	21	)	)	PUNCT
fsr-4067	390	22	.	.	PUNCT
fsr-4067	391	1	the	the	DET
fsr-4067	391	2	role	role	NOUN
fsr-4067	391	3	of	of	ADP
fsr-4067	391	4	financial	financial	ADJ
fsr-4067	391	5	socialization	socialization	NOUN
fsr-4067	391	6	agents	agent	NOUN
fsr-4067	391	7	on	on	ADP
fsr-4067	391	8	young	young	ADJ
fsr-4067	391	9	adults	adult	NOUN
fsr-4067	391	10	’	'	PUNCT
fsr-4067	391	11	financial	financial	ADJ
fsr-4067	391	12	behaviours	behaviour	NOUN
fsr-4067	391	13	and	and	CCONJ
fsr-4067	391	14	attitudes	attitude	NOUN
fsr-4067	391	15	.	.	PUNCT
fsr-4067	392	1	in	in	ADP
fsr-4067	392	2	wei	wei	PROPN
fsr-4067	392	3	international	international	PROPN
fsr-4067	392	4	academic	academic	ADJ
fsr-4067	392	5	conference	conference	NOUN
fsr-4067	392	6	proceedings	proceeding	NOUN
fsr-4067	392	7	,	,	PUNCT
fsr-4067	392	8	rome	rome	PROPN
fsr-4067	392	9	,	,	PUNCT
fsr-4067	392	10	italy	italy	PROPN
fsr-4067	392	11	.	.	PUNCT
fsr-4067	393	1	trehan	trehan	PROPN
fsr-4067	393	2	,	,	PUNCT
fsr-4067	393	3	b.	b.	PROPN
fsr-4067	393	4	,	,	PUNCT
fsr-4067	393	5	&	&	CCONJ
fsr-4067	393	6	sinha	sinha	PROPN
fsr-4067	393	7	,	,	PUNCT
fsr-4067	393	8	a.	a.	NOUN
fsr-4067	393	9	(	(	PUNCT
fsr-4067	393	10	2019	2019	NUM
fsr-4067	393	11	)	)	PUNCT
fsr-4067	393	12	.	.	PUNCT
fsr-4067	394	1	investigating	investigate	VERB
fsr-4067	394	2	investors	investor	NOUN
fsr-4067	394	3	’	’	PART
fsr-4067	394	4	herd	herd	NOUN
fsr-4067	394	5	behavior	behavior	NOUN
fsr-4067	394	6	.	.	PUNCT
fsr-4067	395	1	amity	amity	NOUN
fsr-4067	395	2	business	business	NOUN
fsr-4067	395	3	journal	journal	NOUN
fsr-4067	395	4	,	,	PUNCT
fsr-4067	395	5	8(1	8(1	NOUN
fsr-4067	395	6	)	)	PUNCT
fsr-4067	395	7	,	,	PUNCT
fsr-4067	395	8	31	31	NUM
fsr-4067	395	9	-	-	SYM
fsr-4067	395	10	36	36	NUM
fsr-4067	395	11	.	.	PUNCT
fsr-4067	396	1	van	van	PROPN
fsr-4067	396	2	rooij	rooij	NOUN
fsr-4067	396	3	,	,	PUNCT
fsr-4067	396	4	m.	m.	NOUN
fsr-4067	396	5	,	,	PUNCT
fsr-4067	396	6	lusardi	lusardi	PROPN
fsr-4067	396	7	,	,	PUNCT
fsr-4067	396	8	a.	a.	NOUN
fsr-4067	396	9	,	,	PUNCT
fsr-4067	396	10	&	&	CCONJ
fsr-4067	396	11	alessie	alessie	PROPN
fsr-4067	396	12	,	,	PUNCT
fsr-4067	396	13	r.	r.	PROPN
fsr-4067	396	14	(	(	PUNCT
fsr-4067	396	15	2011	2011	NUM
fsr-4067	396	16	)	)	PUNCT
fsr-4067	396	17	.	.	PUNCT
fsr-4067	397	1	financial	financial	ADJ
fsr-4067	397	2	literacy	literacy	NOUN
fsr-4067	397	3	and	and	CCONJ
fsr-4067	397	4	stock	stock	NOUN
fsr-4067	397	5	market	market	NOUN
fsr-4067	397	6	participation	participation	NOUN
fsr-4067	397	7	.	.	PUNCT
fsr-4067	398	1	journal	journal	NOUN
fsr-4067	398	2	of	of	ADP
fsr-4067	398	3	financial	financial	ADJ
fsr-4067	398	4	economics	economic	NOUN
fsr-4067	398	5	,	,	PUNCT
fsr-4067	398	6	101(2	101(2	NUM
fsr-4067	398	7	)	)	PUNCT
fsr-4067	398	8	,	,	PUNCT
fsr-4067	398	9	449	449	NUM
fsr-4067	398	10	-	-	SYM
fsr-4067	398	11	472	472	NUM
fsr-4067	398	12	.	.	PUNCT
fsr-4067	399	1	verma	verma	PROPN
fsr-4067	399	2	,	,	PUNCT
fsr-4067	399	3	r.	r.	PROPN
fsr-4067	399	4	(	(	PUNCT
fsr-4067	399	5	2017	2017	NUM
fsr-4067	399	6	)	)	PUNCT
fsr-4067	399	7	.	.	PUNCT
fsr-4067	400	1	role	role	NOUN
fsr-4067	400	2	of	of	ADP
fsr-4067	400	3	self	self	NOUN
fsr-4067	400	4	deception	deception	NOUN
fsr-4067	400	5	,	,	PUNCT
fsr-4067	400	6	overconfidence	overconfidence	NOUN
fsr-4067	400	7	and	and	CCONJ
fsr-4067	400	8	financial	financial	ADJ
fsr-4067	400	9	aliteracy	aliteracy	NOUN
fsr-4067	400	10	in	in	ADP
fsr-4067	400	11	household	household	NOUN
fsr-4067	400	12	financial	financial	ADJ
fsr-4067	400	13	decision	decision	NOUN
fsr-4067	400	14	making	making	NOUN
fsr-4067	400	15	.	.	PUNCT
fsr-4067	401	1	the	the	DET
fsr-4067	401	2	journal	journal	NOUN
fsr-4067	401	3	of	of	ADP
fsr-4067	401	4	applied	apply	VERB
fsr-4067	401	5	business	business	NOUN
fsr-4067	401	6	and	and	CCONJ
fsr-4067	401	7	economics	economic	NOUN
fsr-4067	401	8	,	,	PUNCT
fsr-4067	401	9	19(8	19(8	NUM
fsr-4067	401	10	)	)	PUNCT
fsr-4067	401	11	,	,	PUNCT
fsr-4067	401	12	94	94	NUM
fsr-4067	401	13	-	-	SYM
fsr-4067	401	14	109	109	NUM
fsr-4067	401	15	.	.	PUNCT
fsr-4067	402	1	xu	xu	INTJ
fsr-4067	402	2	,	,	PUNCT
fsr-4067	402	3	y.	y.	PROPN
fsr-4067	402	4	(	(	PUNCT
fsr-4067	402	5	2023	2023	NUM
fsr-4067	402	6	,	,	PUNCT
fsr-4067	402	7	may	may	AUX
fsr-4067	402	8	)	)	PUNCT
fsr-4067	402	9	.	.	PUNCT
fsr-4067	403	1	behavioral	behavioral	ADJ
fsr-4067	403	2	finance	finance	NOUN
fsr-4067	403	3	:	:	PUNCT
fsr-4067	403	4	an	an	DET
fsr-4067	403	5	introduction	introduction	NOUN
fsr-4067	403	6	of	of	ADP
fsr-4067	403	7	herd	herd	ADJ
fsr-4067	403	8	effect	effect	NOUN
fsr-4067	403	9	take	take	VERB
fsr-4067	403	10	the	the	DET
fsr-4067	403	11	dotcom	dotcom	NOUN
fsr-4067	403	12	bubble	bubble	NOUN
fsr-4067	403	13	in	in	ADP
fsr-4067	403	14	2000s	2000s	NUM
fsr-4067	403	15	as	as	ADP
fsr-4067	403	16	an	an	DET
fsr-4067	403	17	example	example	NOUN
fsr-4067	403	18	.	.	PUNCT
fsr-4067	404	1	8th	8th	ADJ
fsr-4067	404	2	international	international	ADJ
fsr-4067	404	3	conference	conference	NOUN
fsr-4067	404	4	on	on	ADP
fsr-4067	404	5	financial	financial	ADJ
fsr-4067	404	6	innovation	innovation	NOUN
fsr-4067	404	7	and	and	CCONJ
fsr-4067	404	8	economic	economic	ADJ
fsr-4067	404	9	development	development	NOUN
fsr-4067	404	10	(	(	PUNCT
fsr-4067	404	11	icfied	icfie	VERB
fsr-4067	404	12	2023	2023	NUM
fsr-4067	404	13	)	)	PUNCT
fsr-4067	404	14	(	(	PUNCT
fsr-4067	404	15	pp	pp	ADP
fsr-4067	404	16	.	.	PUNCT
fsr-4067	404	17	216224	216224	NUM
fsr-4067	404	18	)	)	PUNCT
fsr-4067	404	19	.	.	PUNCT
fsr-4067	405	1	atlantis	atlantis	PROPN
fsr-4067	405	2	press	press	PROPN
fsr-4067	405	3	.	.	PUNCT
fsr-4067	406	1	yao	yao	PROPN
fsr-4067	406	2	,	,	PUNCT
fsr-4067	406	3	r.	r.	PROPN
fsr-4067	406	4	,	,	PUNCT
fsr-4067	406	5	sharpe	sharpe	PROPN
fsr-4067	406	6	,	,	PUNCT
fsr-4067	406	7	d.	d.	PROPN
fsr-4067	406	8	l.	l.	PROPN
fsr-4067	406	9	,	,	PUNCT
fsr-4067	406	10	&	&	CCONJ
fsr-4067	406	11	wang	wang	PROPN
fsr-4067	406	12	,	,	PUNCT
fsr-4067	406	13	f.	f.	PROPN
fsr-4067	406	14	(	(	PUNCT
fsr-4067	406	15	2011	2011	NUM
fsr-4067	406	16	)	)	PUNCT
fsr-4067	406	17	.	.	PUNCT
fsr-4067	407	1	decomposing	decompose	VERB
fsr-4067	407	2	the	the	DET
fsr-4067	407	3	age	age	NOUN
fsr-4067	407	4	effect	effect	NOUN
fsr-4067	407	5	on	on	ADP
fsr-4067	407	6	risk	risk	NOUN
fsr-4067	407	7	tolerance	tolerance	NOUN
fsr-4067	407	8	.	.	PUNCT
fsr-4067	408	1	the	the	DET
fsr-4067	408	2	journal	journal	NOUN
fsr-4067	408	3	of	of	ADP
fsr-4067	408	4	socioeconomics	socioeconomic	NOUN
fsr-4067	408	5	,	,	PUNCT
fsr-4067	408	6	40(6	40(6	NOUN
fsr-4067	408	7	)	)	PUNCT
fsr-4067	408	8	,	,	PUNCT
fsr-4067	408	9	879	879	NUM
fsr-4067	408	10	-	-	SYM
fsr-4067	408	11	887	887	NUM
fsr-4067	408	12	.	.	PUNCT
fsr-4067	409	1	zhang	zhang	PROPN
fsr-4067	409	2	,	,	PUNCT
fsr-4067	409	3	t.	t.	PROPN
fsr-4067	409	4	,	,	PUNCT
fsr-4067	409	5	&	&	CCONJ
fsr-4067	409	6	li	li	PROPN
fsr-4067	409	7	,	,	PUNCT
fsr-4067	409	8	h.	h.	PROPN
fsr-4067	409	9	(	(	PUNCT
fsr-4067	409	10	2013	2013	NUM
fsr-4067	409	11	)	)	PUNCT
fsr-4067	409	12	.	.	PUNCT
fsr-4067	410	1	buying	buy	VERB
fsr-4067	410	2	on	on	ADP
fsr-4067	410	3	margin	margin	NOUN
fsr-4067	410	4	,	,	PUNCT
fsr-4067	410	5	selling	sell	VERB
fsr-4067	410	6	short	short	ADV
fsr-4067	410	7	in	in	ADP
fsr-4067	410	8	an	an	DET
fsr-4067	410	9	agent	agent	NOUN
fsr-4067	410	10	-	-	PUNCT
fsr-4067	410	11	based	base	VERB
fsr-4067	410	12	market	market	NOUN
fsr-4067	410	13	model	model	NOUN
fsr-4067	410	14	.	.	PUNCT
fsr-4067	411	1	physica	physica	PROPN
fsr-4067	411	2	a	a	DET
fsr-4067	411	3	:	:	PUNCT
fsr-4067	411	4	statistical	statistical	ADJ
fsr-4067	411	5	mechanics	mechanic	NOUN
fsr-4067	411	6	and	and	CCONJ
fsr-4067	411	7	its	its	PRON
fsr-4067	411	8	applications	application	NOUN
fsr-4067	411	9	,	,	PUNCT
fsr-4067	411	10	392(18	392(18	NUM
fsr-4067	411	11	)	)	PUNCT
fsr-4067	411	12	,	,	PUNCT
fsr-4067	411	13	4075	4075	NUM
fsr-4067	411	14	-	-	SYM
fsr-4067	411	15	4082	4082	NUM
fsr-4067	411	16	.	.	PUNCT
fsr-4067	412	1	http://www.financial-planning.com/news/beware-the-finfluencer-how-social-media-stars-are-misinforming-young-investors	http://www.financial-planning.com/news/beware-the-finfluencer-how-social-media-stars-are-misinforming-young-investor	NOUN
fsr-4067	412	2	http://www.financial-planning.com/news/beware-the-finfluencer-how-social-media-stars-are-misinforming-young-investors	http://www.financial-planning.com/news/beware-the-finfluencer-how-social-media-stars-are-misinforming-young-investor	NOUN
fsr-4067	412	3	http://www.financial-planning.com/news/beware-the-finfluencer-how-social-media-stars-are-misinforming-young-investors	http://www.financial-planning.com/news/beware-the-finfluencer-how-social-media-stars-are-misinforming-young-investor	NOUN
fsr-4067	412	4	http://www.financial-planning.com/news/beware-the-finfluencer-how-social-media-stars-are-misinforming-young-investors	http://www.financial-planning.com/news/beware-the-finfluencer-how-social-media-stars-are-misinforming-young-investor	VERB
fsr-4067	412	5	financial	financial	PROPN
fsr-4067	412	6	services	services	PROPN
fsr-4067	412	7	review	review	PROPN
fsr-4067	412	8	,	,	PUNCT
fsr-4067	412	9	33(2	33(2	NUM
fsr-4067	412	10	)	)	PUNCT
fsr-4067	412	11	72	72	NUM
fsr-4067	412	12	appendix	appendix	NOUN
fsr-4067	412	13	appendix	appendix	ADJ
fsr-4067	412	14	a.	a.	NOUN
fsr-4067	412	15	investment	investment	NOUN
fsr-4067	412	16	literacy	literacy	NOUN
fsr-4067	412	17	questions	question	NOUN
fsr-4067	412	18	used	use	VERB
fsr-4067	412	19	in	in	ADP
fsr-4067	412	20	analysis	analysis	NOUN
fsr-4067	412	21	(	(	PUNCT
fsr-4067	412	22	correct	correct	ADJ
fsr-4067	412	23	answers	answer	NOUN
fsr-4067	412	24	bolded	bolde	VERB
fsr-4067	412	25	)	)	PUNCT
fsr-4067	412	26	1	1	X
fsr-4067	412	27	.	.	PUNCT
fsr-4067	413	1	if	if	SCONJ
fsr-4067	413	2	you	you	PRON
fsr-4067	413	3	buy	buy	VERB
fsr-4067	413	4	a	a	DET
fsr-4067	413	5	company	company	NOUN
fsr-4067	413	6	’s	’s	PART
fsr-4067	413	7	stock	stock	NOUN
fsr-4067	413	8	…	…	PUNCT
fsr-4067	413	9	a.	a.	NOUN
fsr-4067	413	10	you	you	PRON
fsr-4067	413	11	own	own	VERB
fsr-4067	413	12	a	a	DET
fsr-4067	413	13	part	part	NOUN
fsr-4067	413	14	of	of	ADP
fsr-4067	413	15	the	the	DET
fsr-4067	413	16	company	company	NOUN
fsr-4067	413	17	b.	b.	PROPN
fsr-4067	414	1	you	you	PRON
fsr-4067	414	2	have	have	AUX
fsr-4067	414	3	lent	lend	VERB
fsr-4067	414	4	money	money	NOUN
fsr-4067	414	5	to	to	ADP
fsr-4067	414	6	the	the	DET
fsr-4067	414	7	company	company	NOUN
fsr-4067	414	8	c.	c.	PROPN
fsr-4067	414	9	you	you	PRON
fsr-4067	414	10	are	be	AUX
fsr-4067	414	11	liable	liable	ADJ
fsr-4067	414	12	for	for	ADP
fsr-4067	414	13	the	the	DET
fsr-4067	414	14	company	company	NOUN
fsr-4067	414	15	’s	’s	PART
fsr-4067	414	16	debts	debt	NOUN
fsr-4067	414	17	d.	d.	PROPN
fsr-4067	414	18	the	the	DET
fsr-4067	414	19	company	company	NOUN
fsr-4067	414	20	will	will	AUX
fsr-4067	414	21	return	return	VERB
fsr-4067	414	22	your	your	PRON
fsr-4067	414	23	original	original	ADJ
fsr-4067	414	24	investment	investment	NOUN
fsr-4067	414	25	to	to	ADP
fsr-4067	414	26	you	you	PRON
fsr-4067	414	27	with	with	ADP
fsr-4067	414	28	interest	interest	NOUN
fsr-4067	414	29	e.	e.	PROPN
fsr-4067	414	30	do	do	AUX
fsr-4067	414	31	n’t	not	PART
fsr-4067	414	32	know	know	VERB
fsr-4067	414	33	f.	f.	PROPN
fsr-4067	414	34	prefer	prefer	VERB
fsr-4067	414	35	not	not	PART
fsr-4067	414	36	to	to	PART
fsr-4067	414	37	say	say	VERB
fsr-4067	415	1	2	2	X
fsr-4067	415	2	.	.	PUNCT
fsr-4067	416	1	if	if	SCONJ
fsr-4067	416	2	you	you	PRON
fsr-4067	416	3	buy	buy	VERB
fsr-4067	416	4	a	a	DET
fsr-4067	416	5	company	company	NOUN
fsr-4067	416	6	’s	’s	PART
fsr-4067	416	7	bond	bond	NOUN
fsr-4067	416	8	…	…	PUNCT
fsr-4067	416	9	a.	a.	NOUN
fsr-4067	416	10	you	you	PRON
fsr-4067	416	11	own	own	VERB
fsr-4067	416	12	a	a	DET
fsr-4067	416	13	part	part	NOUN
fsr-4067	416	14	of	of	ADP
fsr-4067	416	15	the	the	DET
fsr-4067	416	16	company	company	NOUN
fsr-4067	416	17	b.	b.	PROPN
fsr-4067	417	1	you	you	PRON
fsr-4067	417	2	have	have	AUX
fsr-4067	417	3	lent	lend	VERB
fsr-4067	417	4	money	money	NOUN
fsr-4067	417	5	to	to	ADP
fsr-4067	417	6	the	the	DET
fsr-4067	417	7	company	company	NOUN
fsr-4067	417	8	c.	c.	PROPN
fsr-4067	417	9	you	you	PRON
fsr-4067	417	10	are	be	AUX
fsr-4067	417	11	liable	liable	ADJ
fsr-4067	417	12	for	for	ADP
fsr-4067	417	13	the	the	DET
fsr-4067	417	14	company	company	NOUN
fsr-4067	417	15	’s	’s	PART
fsr-4067	417	16	debts	debt	NOUN
fsr-4067	417	17	d.	d.	PROPN
fsr-4067	417	18	you	you	PRON
fsr-4067	417	19	can	can	AUX
fsr-4067	417	20	vote	vote	VERB
fsr-4067	417	21	on	on	ADP
fsr-4067	417	22	shareholder	shareholder	NOUN
fsr-4067	417	23	resolutions	resolution	NOUN
fsr-4067	417	24	e.	e.	PROPN
fsr-4067	417	25	do	do	AUX
fsr-4067	417	26	n’t	not	PART
fsr-4067	417	27	know	know	VERB
fsr-4067	417	28	f.	f.	PROPN
fsr-4067	417	29	prefer	prefer	VERB
fsr-4067	417	30	not	not	PART
fsr-4067	417	31	to	to	PART
fsr-4067	417	32	say	say	VERB
fsr-4067	417	33	3	3	X
fsr-4067	417	34	.	.	PUNCT
fsr-4067	418	1	if	if	SCONJ
fsr-4067	418	2	a	a	DET
fsr-4067	418	3	company	company	NOUN
fsr-4067	418	4	files	file	VERB
fsr-4067	418	5	for	for	ADP
fsr-4067	418	6	bankruptcy	bankruptcy	NOUN
fsr-4067	418	7	,	,	PUNCT
fsr-4067	418	8	which	which	PRON
fsr-4067	418	9	of	of	ADP
fsr-4067	418	10	the	the	DET
fsr-4067	418	11	following	follow	VERB
fsr-4067	418	12	securities	security	NOUN
fsr-4067	418	13	is	be	AUX
fsr-4067	418	14	most	most	ADV
fsr-4067	418	15	at	at	ADP
fsr-4067	418	16	risk	risk	NOUN
fsr-4067	418	17	of	of	ADP
fsr-4067	418	18	becoming	become	VERB
fsr-4067	418	19	virtually	virtually	ADV
fsr-4067	418	20	worthless	worthless	ADJ
fsr-4067	418	21	?	?	PUNCT
fsr-4067	419	1	a.	a.	NOUN
fsr-4067	420	1	the	the	DET
fsr-4067	420	2	company	company	NOUN
fsr-4067	420	3	’s	’s	PART
fsr-4067	420	4	preferred	prefer	VERB
fsr-4067	420	5	stock	stock	PROPN
fsr-4067	420	6	b.	b.	PROPN
fsr-4067	420	7	the	the	DET
fsr-4067	420	8	company	company	NOUN
fsr-4067	420	9	’s	’s	PART
fsr-4067	420	10	common	common	ADJ
fsr-4067	420	11	stock	stock	NOUN
fsr-4067	420	12	c.	c.	PROPN
fsr-4067	420	13	the	the	DET
fsr-4067	420	14	company	company	NOUN
fsr-4067	420	15	’s	’s	PART
fsr-4067	420	16	bonds	bond	NOUN
fsr-4067	420	17	d.	d.	PROPN
fsr-4067	420	18	do	do	AUX
fsr-4067	420	19	n’t	not	PART
fsr-4067	420	20	know	know	VERB
fsr-4067	420	21	e.	e.	PROPN
fsr-4067	420	22	prefer	prefer	VERB
fsr-4067	420	23	not	not	PART
fsr-4067	420	24	to	to	PART
fsr-4067	420	25	say	say	VERB
fsr-4067	420	26	4	4	NUM
fsr-4067	420	27	.	.	X
fsr-4067	421	1	in	in	ADP
fsr-4067	421	2	general	general	ADJ
fsr-4067	421	3	,	,	PUNCT
fsr-4067	421	4	investments	investment	NOUN
fsr-4067	421	5	that	that	PRON
fsr-4067	421	6	are	be	AUX
fsr-4067	421	7	riskier	risky	ADJ
fsr-4067	421	8	tend	tend	ADJ
fsr-4067	421	9	to	to	PART
fsr-4067	421	10	provide	provide	VERB
fsr-4067	421	11	higher	high	ADJ
fsr-4067	421	12	returns	return	NOUN
fsr-4067	421	13	over	over	ADP
fsr-4067	421	14	time	time	NOUN
fsr-4067	421	15	than	than	ADP
fsr-4067	421	16	investments	investment	NOUN
fsr-4067	421	17	with	with	ADP
fsr-4067	421	18	less	less	ADJ
fsr-4067	421	19	risk	risk	NOUN
fsr-4067	421	20	.	.	PUNCT
fsr-4067	422	1	a.	a.	PROPN
fsr-4067	422	2	true	true	PROPN
fsr-4067	422	3	b.	b.	PROPN
fsr-4067	422	4	false	false	PROPN
fsr-4067	422	5	c.	c.	NOUN
fsr-4067	422	6	do	do	AUX
fsr-4067	422	7	n’t	not	PART
fsr-4067	422	8	know	know	VERB
fsr-4067	422	9	d.	d.	NOUN
fsr-4067	422	10	prefer	prefer	VERB
fsr-4067	422	11	not	not	PART
fsr-4067	422	12	to	to	PART
fsr-4067	422	13	say	say	VERB
fsr-4067	422	14	5	5	NUM
fsr-4067	422	15	.	.	PUNCT
fsr-4067	423	1	the	the	DET
fsr-4067	423	2	past	past	ADJ
fsr-4067	423	3	performance	performance	NOUN
fsr-4067	423	4	of	of	ADP
fsr-4067	423	5	an	an	DET
fsr-4067	423	6	investment	investment	NOUN
fsr-4067	423	7	is	be	AUX
fsr-4067	423	8	a	a	DET
fsr-4067	423	9	good	good	ADJ
fsr-4067	423	10	indicator	indicator	NOUN
fsr-4067	423	11	of	of	ADP
fsr-4067	423	12	future	future	ADJ
fsr-4067	423	13	results	result	NOUN
fsr-4067	423	14	.	.	PUNCT
fsr-4067	424	1	a.	a.	PROPN
fsr-4067	424	2	true	true	PROPN
fsr-4067	424	3	b.	b.	PROPN
fsr-4067	424	4	false	false	PROPN
fsr-4067	424	5	c.	c.	NOUN
fsr-4067	424	6	do	do	AUX
fsr-4067	424	7	n’t	not	PART
fsr-4067	424	8	know	know	VERB
fsr-4067	424	9	d.	d.	NOUN
fsr-4067	424	10	prefer	prefer	VERB
fsr-4067	424	11	not	not	PART
fsr-4067	424	12	to	to	PART
fsr-4067	424	13	say	say	VERB
fsr-4067	424	14	6	6	NUM
fsr-4067	424	15	.	.	PUNCT
fsr-4067	425	1	over	over	ADP
fsr-4067	425	2	the	the	DET
fsr-4067	425	3	last	last	ADJ
fsr-4067	425	4	20	20	NUM
fsr-4067	425	5	years	year	NOUN
fsr-4067	425	6	in	in	ADP
fsr-4067	425	7	the	the	DET
fsr-4067	425	8	us	us	PROPN
fsr-4067	425	9	,	,	PUNCT
fsr-4067	425	10	the	the	DET
fsr-4067	425	11	best	good	ADJ
fsr-4067	425	12	average	average	ADJ
fsr-4067	425	13	returns	return	NOUN
fsr-4067	425	14	have	have	AUX
fsr-4067	425	15	been	be	AUX
fsr-4067	425	16	generated	generate	VERB
fsr-4067	425	17	by	by	ADP
fsr-4067	425	18	:	:	PUNCT
fsr-4067	425	19	a.	a.	PROPN
fsr-4067	425	20	stocks	stocks	PROPN
fsr-4067	425	21	b.	b.	PROPN
fsr-4067	425	22	bonds	bonds	PROPN
fsr-4067	425	23	c.	c.	PROPN
fsr-4067	425	24	cds	cds	PROPN
fsr-4067	425	25	d.	d.	PROPN
fsr-4067	425	26	money	money	PROPN
fsr-4067	425	27	market	market	NOUN
fsr-4067	425	28	accounts	account	VERB
fsr-4067	425	29	e.	e.	PROPN
fsr-4067	425	30	precious	precious	PROPN
fsr-4067	425	31	metals	metal	NOUN
fsr-4067	425	32	f.	f.	PROPN
fsr-4067	425	33	do	do	AUX
fsr-4067	425	34	n’t	not	PART
fsr-4067	425	35	know	know	VERB
fsr-4067	425	36	g.	g.	NOUN
fsr-4067	425	37	prefer	prefer	VERB
fsr-4067	425	38	not	not	PART
fsr-4067	425	39	to	to	PART
fsr-4067	425	40	say	say	VERB
fsr-4067	425	41	7	7	NUM
fsr-4067	425	42	.	.	X
fsr-4067	426	1	what	what	PRON
fsr-4067	426	2	is	be	AUX
fsr-4067	426	3	the	the	DET
fsr-4067	426	4	main	main	ADJ
fsr-4067	426	5	advantage	advantage	NOUN
fsr-4067	426	6	that	that	PRON
fsr-4067	426	7	index	index	NOUN
fsr-4067	426	8	funds	fund	NOUN
fsr-4067	426	9	have	have	VERB
fsr-4067	426	10	when	when	SCONJ
fsr-4067	426	11	compared	compare	VERB
fsr-4067	426	12	to	to	ADP
fsr-4067	426	13	actively	actively	ADV
fsr-4067	426	14	managed	manage	VERB
fsr-4067	426	15	funds	fund	NOUN
fsr-4067	426	16	?	?	PUNCT
fsr-4067	427	1	a.	a.	NOUN
fsr-4067	427	2	index	index	NOUN
fsr-4067	427	3	funds	fund	NOUN
fsr-4067	427	4	are	be	AUX
fsr-4067	427	5	generally	generally	ADV
fsr-4067	427	6	less	less	ADV
fsr-4067	427	7	risky	risky	ADJ
fsr-4067	427	8	in	in	ADP
fsr-4067	427	9	the	the	DET
fsr-4067	427	10	short	short	PROPN
fsr-4067	427	11	b.	b.	PROPN
fsr-4067	427	12	index	index	NOUN
fsr-4067	427	13	funds	fund	NOUN
fsr-4067	427	14	generally	generally	ADV
fsr-4067	427	15	have	have	AUX
fsr-4067	427	16	lower	low	ADJ
fsr-4067	427	17	fees	fee	NOUN
fsr-4067	427	18	and	and	CCONJ
fsr-4067	427	19	expenses	expense	NOUN
fsr-4067	427	20	c.	c.	PROPN
fsr-4067	427	21	index	index	NOUN
fsr-4067	427	22	funds	fund	NOUN
fsr-4067	427	23	are	be	AUX
fsr-4067	427	24	generally	generally	ADV
fsr-4067	427	25	less	less	ADV
fsr-4067	427	26	likely	likely	ADJ
fsr-4067	427	27	to	to	PART
fsr-4067	427	28	decline	decline	VERB
fsr-4067	427	29	in	in	ADP
fsr-4067	427	30	value	value	NOUN
fsr-4067	427	31	d.	d.	PROPN
fsr-4067	427	32	do	do	AUX
fsr-4067	427	33	n’t	not	PART
fsr-4067	427	34	know	know	VERB
fsr-4067	427	35	e.	e.	PROPN
fsr-4067	427	36	prefer	prefer	VERB
fsr-4067	427	37	not	not	PART
fsr-4067	427	38	to	to	PART
fsr-4067	427	39	say	say	VERB
fsr-4067	427	40	sanders	sanders	PROPN
fsr-4067	427	41	&	&	CCONJ
fsr-4067	427	42	olajide	olajide	VERB
fsr-4067	427	43	73	73	NUM
fsr-4067	427	44	8	8	NUM
fsr-4067	427	45	.	.	PUNCT
fsr-4067	428	1	which	which	PRON
fsr-4067	428	2	of	of	ADP
fsr-4067	428	3	the	the	DET
fsr-4067	428	4	following	follow	VERB
fsr-4067	428	5	best	good	ADJ
fsr-4067	428	6	explains	explain	VERB
fsr-4067	428	7	why	why	SCONJ
fsr-4067	428	8	many	many	ADJ
fsr-4067	428	9	municipal	municipal	ADJ
fsr-4067	428	10	bonds	bond	NOUN
fsr-4067	428	11	pay	pay	VERB
fsr-4067	428	12	lower	low	ADJ
fsr-4067	428	13	yields	yield	NOUN
fsr-4067	428	14	than	than	ADP
fsr-4067	428	15	other	other	ADJ
fsr-4067	428	16	government	government	NOUN
fsr-4067	428	17	bonds	bond	NOUN
fsr-4067	428	18	?	?	PUNCT
fsr-4067	429	1	a.	a.	NOUN
fsr-4067	429	2	municipal	municipal	ADJ
fsr-4067	429	3	bonds	bond	NOUN
fsr-4067	429	4	are	be	AUX
fsr-4067	429	5	lower	low	ADJ
fsr-4067	429	6	risk	risk	NOUN
fsr-4067	429	7	b.	b.	NOUN
fsr-4067	429	8	there	there	PRON
fsr-4067	429	9	is	be	VERB
fsr-4067	429	10	a	a	DET
fsr-4067	429	11	greater	great	ADJ
fsr-4067	429	12	demand	demand	NOUN
fsr-4067	429	13	for	for	ADP
fsr-4067	429	14	municipal	municipal	ADJ
fsr-4067	429	15	bonds	bond	NOUN
fsr-4067	429	16	c.	c.	PROPN
fsr-4067	429	17	municipal	municipal	ADJ
fsr-4067	429	18	bonds	bond	NOUN
fsr-4067	429	19	can	can	AUX
fsr-4067	429	20	be	be	AUX
fsr-4067	429	21	tax	tax	NOUN
fsr-4067	429	22	-	-	PUNCT
fsr-4067	429	23	free	free	ADJ
fsr-4067	429	24	d.	d.	NOUN
fsr-4067	429	25	do	do	AUX
fsr-4067	429	26	n’t	not	PART
fsr-4067	429	27	know	know	VERB
fsr-4067	429	28	e.	e.	PROPN
fsr-4067	429	29	prefer	prefer	VERB
fsr-4067	429	30	not	not	PART
fsr-4067	429	31	to	to	PART
fsr-4067	429	32	say	say	VERB
fsr-4067	429	33	9	9	NUM
fsr-4067	429	34	.	.	X
fsr-4067	430	1	you	you	PRON
fsr-4067	430	2	invest	invest	VERB
fsr-4067	430	3	$	$	SYM
fsr-4067	430	4	500	500	NUM
fsr-4067	430	5	to	to	PART
fsr-4067	430	6	buy	buy	VERB
fsr-4067	430	7	$	$	SYM
fsr-4067	430	8	1,000	1,000	NUM
fsr-4067	430	9	worth	worth	NOUN
fsr-4067	430	10	of	of	ADP
fsr-4067	430	11	stock	stock	NOUN
fsr-4067	430	12	on	on	ADP
fsr-4067	430	13	margin	margin	NOUN
fsr-4067	430	14	.	.	PUNCT
fsr-4067	431	1	the	the	DET
fsr-4067	431	2	value	value	NOUN
fsr-4067	431	3	of	of	ADP
fsr-4067	431	4	the	the	DET
fsr-4067	431	5	stock	stock	NOUN
fsr-4067	431	6	drops	drop	VERB
fsr-4067	431	7	by	by	ADP
fsr-4067	431	8	50	50	NUM
fsr-4067	431	9	%	%	NOUN
fsr-4067	431	10	.	.	PUNCT
fsr-4067	432	1	you	you	PRON
fsr-4067	432	2	sell	sell	VERB
fsr-4067	432	3	it	it	PRON
fsr-4067	432	4	.	.	PUNCT
fsr-4067	433	1	approximately	approximately	ADV
fsr-4067	433	2	how	how	SCONJ
fsr-4067	433	3	much	much	ADJ
fsr-4067	433	4	of	of	ADP
fsr-4067	433	5	your	your	PRON
fsr-4067	433	6	original	original	ADJ
fsr-4067	433	7	$	$	SYM
fsr-4067	433	8	500	500	NUM
fsr-4067	433	9	investment	investment	NOUN
fsr-4067	433	10	are	be	AUX
fsr-4067	433	11	you	you	PRON
fsr-4067	433	12	left	leave	VERB
fsr-4067	433	13	with	with	ADP
fsr-4067	433	14	in	in	ADP
fsr-4067	433	15	the	the	DET
fsr-4067	433	16	end	end	NOUN
fsr-4067	433	17	?	?	PUNCT
fsr-4067	434	1	a.	a.	NOUN
fsr-4067	434	2	$	$	SYM
fsr-4067	434	3	500	500	NUM
fsr-4067	434	4	b.	b.	NOUN
fsr-4067	434	5	$	$	SYM
fsr-4067	434	6	250	250	NUM
fsr-4067	434	7	c.	c.	NOUN
fsr-4067	434	8	$	$	SYM
fsr-4067	434	9	0	0	NUM
fsr-4067	434	10	d.	d.	NOUN
fsr-4067	434	11	do	do	AUX
fsr-4067	434	12	n’t	not	PART
fsr-4067	434	13	know	know	VERB
fsr-4067	434	14	e.	e.	PROPN
fsr-4067	434	15	prefer	prefer	VERB
fsr-4067	434	16	not	not	PART
fsr-4067	434	17	to	to	PART
fsr-4067	434	18	say	say	VERB
fsr-4067	434	19	10	10	NUM
fsr-4067	434	20	.	.	PUNCT
fsr-4067	435	1	which	which	PRON
fsr-4067	435	2	is	be	AUX
fsr-4067	435	3	the	the	DET
fsr-4067	435	4	best	good	ADJ
fsr-4067	435	5	definition	definition	NOUN
fsr-4067	435	6	of	of	ADP
fsr-4067	435	7	“	"	PUNCT
fsr-4067	435	8	selling	sell	VERB
fsr-4067	435	9	short	short	ADJ
fsr-4067	435	10	”	"	PUNCT
fsr-4067	435	11	?	?	PUNCT
fsr-4067	436	1	a.	a.	NOUN
fsr-4067	436	2	selling	sell	VERB
fsr-4067	436	3	shares	share	NOUN
fsr-4067	436	4	of	of	ADP
fsr-4067	436	5	a	a	DET
fsr-4067	436	6	stock	stock	NOUN
fsr-4067	436	7	shortly	shortly	ADV
fsr-4067	436	8	after	after	ADP
fsr-4067	436	9	buying	buy	VERB
fsr-4067	436	10	it	it	PRON
fsr-4067	436	11	b.	b.	NOUN
fsr-4067	436	12	selling	sell	VERB
fsr-4067	436	13	shares	share	NOUN
fsr-4067	436	14	of	of	ADP
fsr-4067	436	15	a	a	DET
fsr-4067	436	16	stock	stock	NOUN
fsr-4067	436	17	before	before	SCONJ
fsr-4067	436	18	it	it	PRON
fsr-4067	436	19	has	have	AUX
fsr-4067	436	20	reached	reach	VERB
fsr-4067	436	21	its	its	PRON
fsr-4067	436	22	peak	peak	NOUN
fsr-4067	436	23	c.	c.	NOUN
fsr-4067	436	24	selling	selling	NOUN
fsr-4067	436	25	shares	share	NOUN
fsr-4067	436	26	of	of	ADP
fsr-4067	436	27	a	a	DET
fsr-4067	436	28	stock	stock	NOUN
fsr-4067	436	29	at	at	ADP
fsr-4067	436	30	a	a	DET
fsr-4067	436	31	loss	loss	NOUN
fsr-4067	436	32	d.	d.	NOUN
fsr-4067	436	33	selling	sell	VERB
fsr-4067	436	34	borrowed	borrow	VERB
fsr-4067	436	35	shares	share	NOUN
fsr-4067	436	36	of	of	ADP
fsr-4067	436	37	a	a	DET
fsr-4067	436	38	stock	stock	NOUN
fsr-4067	436	39	e.	e.	PROPN
fsr-4067	436	40	do	do	AUX
fsr-4067	436	41	n’t	not	PART
fsr-4067	436	42	know	know	VERB
fsr-4067	436	43	f.	f.	PROPN
fsr-4067	436	44	prefer	prefer	VERB
fsr-4067	436	45	not	not	PART
fsr-4067	436	46	to	to	PART
fsr-4067	436	47	say	say	VERB
fsr-4067	436	48	11	11	NUM
fsr-4067	436	49	.	.	PUNCT
fsr-4067	437	1	if	if	SCONJ
fsr-4067	437	2	you	you	PRON
fsr-4067	437	3	own	own	VERB
fsr-4067	437	4	a	a	DET
fsr-4067	437	5	call	call	NOUN
fsr-4067	437	6	option	option	NOUN
fsr-4067	437	7	with	with	ADP
fsr-4067	437	8	a	a	DET
fsr-4067	437	9	strike	strike	NOUN
fsr-4067	437	10	price	price	NOUN
fsr-4067	437	11	of	of	ADP
fsr-4067	437	12	$	$	SYM
fsr-4067	437	13	50	50	NUM
fsr-4067	437	14	on	on	ADP
fsr-4067	437	15	a	a	DET
fsr-4067	437	16	security	security	NOUN
fsr-4067	437	17	that	that	PRON
fsr-4067	437	18	is	be	AUX
fsr-4067	437	19	priced	price	VERB
fsr-4067	437	20	at	at	ADP
fsr-4067	437	21	$	$	SYM
fsr-4067	437	22	40	40	NUM
fsr-4067	437	23	,	,	PUNCT
fsr-4067	437	24	and	and	CCONJ
fsr-4067	437	25	the	the	DET
fsr-4067	437	26	option	option	NOUN
fsr-4067	437	27	is	be	AUX
fsr-4067	437	28	expiring	expire	VERB
fsr-4067	437	29	today	today	NOUN
fsr-4067	437	30	,	,	PUNCT
fsr-4067	437	31	which	which	PRON
fsr-4067	437	32	of	of	ADP
fsr-4067	437	33	the	the	DET
fsr-4067	437	34	following	following	NOUN
fsr-4067	437	35	is	be	AUX
fsr-4067	437	36	closest	close	ADJ
fsr-4067	437	37	to	to	ADP
fsr-4067	437	38	the	the	DET
fsr-4067	437	39	value	value	NOUN
fsr-4067	437	40	of	of	ADP
fsr-4067	437	41	that	that	DET
fsr-4067	437	42	option	option	NOUN
fsr-4067	437	43	?	?	PUNCT
fsr-4067	438	1	a.	a.	NOUN
fsr-4067	438	2	$	$	SYM
fsr-4067	438	3	10	10	NUM
fsr-4067	438	4	b.	b.	NOUN
fsr-4067	438	5	$	$	SYM
fsr-4067	438	6	0	0	NUM
fsr-4067	438	7	c.	c.	PROPN
fsr-4067	438	8	-$10	-$10	PROPN
fsr-4067	438	9	d.	d.	PROPN
fsr-4067	438	10	do	do	AUX
fsr-4067	438	11	n’t	not	PART
fsr-4067	438	12	know	know	VERB
fsr-4067	438	13	e.	e.	PROPN
fsr-4067	438	14	prefer	prefer	VERB
fsr-4067	438	15	not	not	PART
fsr-4067	438	16	to	to	PART
fsr-4067	438	17	say	say	VERB
fsr-4067	438	18	appendix	appendix	PROPN
fsr-4067	438	19	b.	b.	PROPN
fsr-4067	438	20	correlation	correlation	NOUN
fsr-4067	438	21	matrix	matrix	NOUN
fsr-4067	438	22	of	of	ADP
fsr-4067	438	23	key	key	ADJ
fsr-4067	438	24	variables	variable	NOUN
fsr-4067	438	25	peer	peer	NOUN
fsr-4067	438	26	influence	influence	NOUN
fsr-4067	438	27	age	age	NOUN
fsr-4067	438	28	expected	expect	VERB
fsr-4067	438	29	performance	performance	NOUN
fsr-4067	438	30	investment	investment	NOUN
fsr-4067	438	31	literacy	literacy	NOUN
fsr-4067	438	32	bought	buy	VERB
fsr-4067	438	33	on	on	ADP
fsr-4067	438	34	margin	margin	NOUN
fsr-4067	438	35	peer	peer	NOUN
fsr-4067	438	36	influence	influence	NOUN
fsr-4067	438	37	1	1	NUM
fsr-4067	438	38	age	age	NOUN
fsr-4067	438	39	-0.4532	-0.4532	NOUN
fsr-4067	438	40	1	1	NUM
fsr-4067	438	41	expected	expect	VERB
fsr-4067	438	42	performance	performance	NOUN
fsr-4067	438	43	0.1312	0.1312	NUM
fsr-4067	438	44	-0.0925	-0.0925	NOUN
fsr-4067	438	45	1	1	NUM
fsr-4067	438	46	investment	investment	NOUN
fsr-4067	438	47	literacy	literacy	NOUN
fsr-4067	438	48	-0.2186	-0.2186	VERB
fsr-4067	438	49	0.1842	0.1842	NUM
fsr-4067	438	50	-0.0266	-0.0266	NOUN
fsr-4067	438	51	1	1	NUM
fsr-4067	438	52	bought	buy	VERB
fsr-4067	438	53	on	on	ADP
fsr-4067	438	54	margin	margin	NOUN
fsr-4067	438	55	0.3798	0.3798	NUM
fsr-4067	438	56	-0.2592	-0.2592	NOUN
fsr-4067	438	57	0.1732	0.1732	NUM
fsr-4067	438	58	-0.0361	-0.0361	NOUN
fsr-4067	438	59	1	1	NUM
fsr-4067	438	60	note	note	NOUN
fsr-4067	438	61	:	:	PUNCT
fsr-4067	438	62	data	datum	NOUN
fsr-4067	438	63	from	from	ADP
fsr-4067	438	64	the	the	DET
fsr-4067	438	65	2021	2021	NUM
fsr-4067	438	66	nfcs	nfc	NOUN
fsr-4067	438	67	investor	investor	NOUN
fsr-4067	438	68	and	and	CCONJ
fsr-4067	438	69	state	state	NOUN
fsr-4067	438	70	-	-	PUNCT
fsr-4067	438	71	by	by	ADP
fsr-4067	438	72	-	-	PUNCT
fsr-4067	438	73	state	state	NOUN
fsr-4067	438	74	surveys	survey	NOUN
fsr-4067	438	75	.	.	PUNCT