id	sid	tid	token	lemma	pos
fsr-4086	1	1	62	62	NUM
fsr-4086	1	2	a	a	DET
fsr-4086	1	3	study	study	NOUN
fsr-4086	1	4	of	of	ADP
fsr-4086	1	5	time	time	NOUN
fsr-4086	1	6	value	value	NOUN
fsr-4086	1	7	of	of	ADP
fsr-4086	1	8	money	money	NOUN
fsr-4086	1	9	educational	educational	ADJ
fsr-4086	1	10	interventions	intervention	NOUN
fsr-4086	1	11	jason	jason	PROPN
fsr-4086	1	12	anderson1	anderson1	PROPN
fsr-4086	1	13	and	and	CCONJ
fsr-4086	1	14	blake	blake	PROPN
fsr-4086	1	15	gray2	gray2	PROPN
fsr-4086	1	16	time	time	NOUN
fsr-4086	1	17	value	value	NOUN
fsr-4086	1	18	of	of	ADP
fsr-4086	1	19	money	money	NOUN
fsr-4086	1	20	(	(	PUNCT
fsr-4086	1	21	tvm	tvm	PROPN
fsr-4086	1	22	)	)	PUNCT
fsr-4086	1	23	concepts	concept	NOUN
fsr-4086	1	24	are	be	AUX
fsr-4086	1	25	foundational	foundational	ADJ
fsr-4086	1	26	to	to	ADP
fsr-4086	1	27	learning	learn	VERB
fsr-4086	1	28	in	in	ADP
fsr-4086	1	29	personal	personal	ADJ
fsr-4086	1	30	financial	financial	ADJ
fsr-4086	1	31	planning	planning	NOUN
fsr-4086	1	32	and	and	CCONJ
fsr-4086	1	33	finance	finance	NOUN
fsr-4086	1	34	courses	course	NOUN
fsr-4086	1	35	.	.	PUNCT
fsr-4086	2	1	this	this	DET
fsr-4086	2	2	study	study	NOUN
fsr-4086	2	3	applied	apply	VERB
fsr-4086	2	4	connectivism	connectivism	NOUN
fsr-4086	2	5	learning	learn	VERB
fsr-4086	2	6	theory	theory	NOUN
fsr-4086	2	7	(	(	PUNCT
fsr-4086	2	8	clt	clt	PROPN
fsr-4086	2	9	)	)	PUNCT
fsr-4086	2	10	to	to	PART
fsr-4086	2	11	create	create	VERB
fsr-4086	2	12	educational	educational	ADJ
fsr-4086	2	13	interventions	intervention	NOUN
fsr-4086	2	14	meant	mean	VERB
fsr-4086	2	15	to	to	PART
fsr-4086	2	16	increase	increase	VERB
fsr-4086	2	17	student	student	NOUN
fsr-4086	2	18	understanding	understanding	NOUN
fsr-4086	2	19	of	of	ADP
fsr-4086	2	20	tvm	tvm	PROPN
fsr-4086	2	21	using	use	VERB
fsr-4086	2	22	excel	excel	PROPN
fsr-4086	2	23	and	and	CCONJ
fsr-4086	2	24	a	a	DET
fsr-4086	2	25	financial	financial	ADJ
fsr-4086	2	26	calculator	calculator	NOUN
fsr-4086	2	27	as	as	ADP
fsr-4086	2	28	learning	learn	VERB
fsr-4086	2	29	tools	tool	NOUN
fsr-4086	2	30	.	.	PUNCT
fsr-4086	3	1	results	result	NOUN
fsr-4086	3	2	show	show	VERB
fsr-4086	3	3	students	student	NOUN
fsr-4086	3	4	exposed	expose	VERB
fsr-4086	3	5	to	to	ADP
fsr-4086	3	6	the	the	DET
fsr-4086	3	7	learning	learning	NOUN
fsr-4086	3	8	intervention	intervention	NOUN
fsr-4086	3	9	using	use	VERB
fsr-4086	3	10	a	a	DET
fsr-4086	3	11	financial	financial	ADJ
fsr-4086	3	12	calculator	calculator	NOUN
fsr-4086	3	13	performed	perform	VERB
fsr-4086	3	14	better	well	ADV
fsr-4086	3	15	than	than	ADP
fsr-4086	3	16	those	those	PRON
fsr-4086	3	17	exposed	expose	VERB
fsr-4086	3	18	to	to	PART
fsr-4086	3	19	excel	excel	VERB
fsr-4086	3	20	alone	alone	ADV
fsr-4086	3	21	or	or	CCONJ
fsr-4086	3	22	a	a	DET
fsr-4086	3	23	combination	combination	NOUN
fsr-4086	3	24	of	of	ADP
fsr-4086	3	25	excel	excel	NOUN
fsr-4086	3	26	and	and	CCONJ
fsr-4086	3	27	a	a	DET
fsr-4086	3	28	financial	financial	ADJ
fsr-4086	3	29	calculator	calculator	NOUN
fsr-4086	3	30	.	.	PUNCT
fsr-4086	4	1	these	these	DET
fsr-4086	4	2	findings	finding	NOUN
fsr-4086	4	3	point	point	VERB
fsr-4086	4	4	to	to	ADP
fsr-4086	4	5	the	the	DET
fsr-4086	4	6	structural	structural	ADJ
fsr-4086	4	7	entrenchment	entrenchment	NOUN
fsr-4086	4	8	of	of	ADP
fsr-4086	4	9	the	the	DET
fsr-4086	4	10	financial	financial	ADJ
fsr-4086	4	11	calculator	calculator	NOUN
fsr-4086	4	12	in	in	ADP
fsr-4086	4	13	the	the	DET
fsr-4086	4	14	teaching	teaching	NOUN
fsr-4086	4	15	of	of	ADP
fsr-4086	4	16	tvm	tvm	PROPN
fsr-4086	4	17	,	,	PUNCT
fsr-4086	4	18	and	and	CCONJ
fsr-4086	4	19	the	the	DET
fsr-4086	4	20	challenges	challenge	NOUN
fsr-4086	4	21	an	an	DET
fsr-4086	4	22	instructor	instructor	NOUN
fsr-4086	4	23	might	might	AUX
fsr-4086	4	24	face	face	VERB
fsr-4086	4	25	when	when	SCONJ
fsr-4086	4	26	introducing	introduce	VERB
fsr-4086	4	27	other	other	ADJ
fsr-4086	4	28	methods	method	NOUN
fsr-4086	4	29	to	to	PART
fsr-4086	4	30	supplant	supplant	VERB
fsr-4086	4	31	it	it	PRON
fsr-4086	4	32	.	.	PUNCT
fsr-4086	5	1	creative	creative	ADJ
fsr-4086	5	2	commons	commons	PROPN
fsr-4086	5	3	license	license	NOUN
fsr-4086	5	4	this	this	DET
fsr-4086	5	5	work	work	NOUN
fsr-4086	5	6	is	be	AUX
fsr-4086	5	7	licensed	license	VERB
fsr-4086	5	8	under	under	ADP
fsr-4086	5	9	a	a	DET
fsr-4086	5	10	creative	creative	ADJ
fsr-4086	5	11	commons	common	NOUN
fsr-4086	5	12	attribution	attribution	NOUN
fsr-4086	5	13	-	-	PUNCT
fsr-4086	5	14	noncommercial	noncommercial	ADJ
fsr-4086	5	15	4.0	4.0	NUM
fsr-4086	5	16	license	license	NOUN
fsr-4086	5	17	recommended	recommend	VERB
fsr-4086	5	18	citation	citation	PROPN
fsr-4086	5	19	anderson	anderson	PROPN
fsr-4086	5	20	,	,	PUNCT
fsr-4086	5	21	j.	j.	PROPN
fsr-4086	5	22	&	&	CCONJ
fsr-4086	5	23	gray	gray	PROPN
fsr-4086	5	24	,	,	PUNCT
fsr-4086	5	25	b.	b.	PROPN
fsr-4086	5	26	(	(	PUNCT
fsr-4086	5	27	2025	2025	NUM
fsr-4086	5	28	)	)	PUNCT
fsr-4086	5	29	.	.	PUNCT
fsr-4086	6	1	a	a	DET
fsr-4086	6	2	study	study	NOUN
fsr-4086	6	3	of	of	ADP
fsr-4086	6	4	time	time	NOUN
fsr-4086	6	5	value	value	NOUN
fsr-4086	6	6	of	of	ADP
fsr-4086	6	7	money	money	NOUN
fsr-4086	6	8	educational	educational	ADJ
fsr-4086	6	9	interventions	intervention	NOUN
fsr-4086	6	10	.	.	PUNCT
fsr-4086	7	1	financial	financial	ADJ
fsr-4086	7	2	services	service	NOUN
fsr-4086	7	3	review	review	NOUN
fsr-4086	7	4	,	,	PUNCT
fsr-4086	7	5	33(4	33(4	NUM
fsr-4086	7	6	)	)	PUNCT
fsr-4086	7	7	,	,	PUNCT
fsr-4086	7	8	pp	pp	ADP
fsr-4086	7	9	.	.	PUNCT
fsr-4086	8	1	62	62	NUM
fsr-4086	8	2	-	-	SYM
fsr-4086	8	3	74	74	NUM
fsr-4086	8	4	.	.	PUNCT
fsr-4086	9	1	introduction	introduction	NOUN
fsr-4086	9	2	time	time	NOUN
fsr-4086	9	3	value	value	NOUN
fsr-4086	9	4	of	of	ADP
fsr-4086	9	5	money	money	NOUN
fsr-4086	9	6	(	(	PUNCT
fsr-4086	9	7	tvm	tvm	PROPN
fsr-4086	9	8	)	)	PUNCT
fsr-4086	9	9	concepts	concept	NOUN
fsr-4086	9	10	are	be	AUX
fsr-4086	9	11	foundational	foundational	ADJ
fsr-4086	9	12	for	for	ADP
fsr-4086	9	13	students	student	NOUN
fsr-4086	9	14	studying	study	VERB
fsr-4086	9	15	personal	personal	ADJ
fsr-4086	9	16	financial	financial	ADJ
fsr-4086	9	17	planning	planning	NOUN
fsr-4086	9	18	and	and	CCONJ
fsr-4086	9	19	finance	finance	NOUN
fsr-4086	9	20	.	.	PUNCT
fsr-4086	10	1	tvm	tvm	PROPN
fsr-4086	10	2	helps	help	VERB
fsr-4086	10	3	students	student	NOUN
fsr-4086	10	4	and	and	CCONJ
fsr-4086	10	5	individuals	individual	NOUN
fsr-4086	10	6	concretize	concretize	VERB
fsr-4086	10	7	present	present	ADJ
fsr-4086	10	8	-	-	PUNCT
fsr-4086	10	9	future	future	NOUN
fsr-4086	10	10	tradeoffs	tradeoff	NOUN
fsr-4086	10	11	,	,	PUNCT
fsr-4086	10	12	a	a	DET
fsr-4086	10	13	key	key	ADJ
fsr-4086	10	14	element	element	NOUN
fsr-4086	10	15	in	in	ADP
fsr-4086	10	16	understanding	understand	VERB
fsr-4086	10	17	benefits	benefit	NOUN
fsr-4086	10	18	related	relate	VERB
fsr-4086	10	19	to	to	ADP
fsr-4086	10	20	delayed	delay	VERB
fsr-4086	10	21	gratification	gratification	NOUN
fsr-4086	10	22	behaviors	behavior	NOUN
fsr-4086	10	23	and	and	CCONJ
fsr-4086	10	24	more	more	ADV
fsr-4086	10	25	advanced	advanced	ADJ
fsr-4086	10	26	applications	application	NOUN
fsr-4086	10	27	in	in	ADP
fsr-4086	10	28	retirement	retirement	NOUN
fsr-4086	10	29	and	and	CCONJ
fsr-4086	10	30	investment	investment	NOUN
fsr-4086	10	31	planning	planning	NOUN
fsr-4086	10	32	.	.	PUNCT
fsr-4086	11	1	these	these	DET
fsr-4086	11	2	advanced	advanced	ADJ
fsr-4086	11	3	subjects	subject	NOUN
fsr-4086	11	4	include	include	VERB
fsr-4086	11	5	topics	topic	NOUN
fsr-4086	11	6	such	such	ADJ
fsr-4086	11	7	as	as	ADP
fsr-4086	11	8	the	the	DET
fsr-4086	11	9	calculation	calculation	NOUN
fsr-4086	11	10	of	of	ADP
fsr-4086	11	11	education	education	NOUN
fsr-4086	11	12	and	and	CCONJ
fsr-4086	11	13	retirement	retirement	NOUN
fsr-4086	11	14	needs	need	NOUN
fsr-4086	11	15	and	and	CCONJ
fsr-4086	11	16	investment	investment	NOUN
fsr-4086	11	17	fund	fund	NOUN
fsr-4086	11	18	selection	selection	NOUN
fsr-4086	11	19	(	(	PUNCT
fsr-4086	11	20	and	and	CCONJ
fsr-4086	11	21	the	the	DET
fsr-4086	11	22	related	relate	VERB
fsr-4086	11	23	opportunity	opportunity	NOUN
fsr-4086	11	24	cost	cost	NOUN
fsr-4086	11	25	of	of	ADP
fsr-4086	11	26	other	other	ADJ
fsr-4086	11	27	prospects	prospect	NOUN
fsr-4086	11	28	)	)	PUNCT
fsr-4086	11	29	.	.	PUNCT
fsr-4086	12	1	students	student	NOUN
fsr-4086	12	2	who	who	PRON
fsr-4086	12	3	do	do	AUX
fsr-4086	12	4	not	not	PART
fsr-4086	12	5	adequately	adequately	ADV
fsr-4086	12	6	comprehend	comprehend	VERB
fsr-4086	12	7	tvm	tvm	PROPN
fsr-4086	12	8	concepts	concept	NOUN
fsr-4086	12	9	could	could	AUX
fsr-4086	12	10	struggle	struggle	VERB
fsr-4086	12	11	with	with	ADP
fsr-4086	12	12	increasingly	increasingly	ADV
fsr-4086	12	13	complex	complex	ADJ
fsr-4086	12	14	topics	topic	NOUN
fsr-4086	12	15	in	in	ADP
fsr-4086	12	16	subsequent	subsequent	ADJ
fsr-4086	12	17	coursework	coursework	NOUN
fsr-4086	12	18	.	.	PUNCT
fsr-4086	13	1	as	as	ADP
fsr-4086	13	2	such	such	ADJ
fsr-4086	13	3	,	,	PUNCT
fsr-4086	13	4	many	many	ADJ
fsr-4086	13	5	professors	professor	NOUN
fsr-4086	13	6	invest	invest	VERB
fsr-4086	13	7	significant	significant	ADJ
fsr-4086	13	8	resources	resource	NOUN
fsr-4086	13	9	and	and	CCONJ
fsr-4086	13	10	time	time	NOUN
fsr-4086	13	11	in	in	ADP
fsr-4086	13	12	teaching	teach	VERB
fsr-4086	13	13	tvm	tvm	PROPN
fsr-4086	13	14	within	within	ADP
fsr-4086	13	15	foundational	foundational	ADJ
fsr-4086	13	16	courses	course	NOUN
fsr-4086	13	17	in	in	ADP
fsr-4086	13	18	the	the	DET
fsr-4086	13	19	major	major	ADJ
fsr-4086	13	20	sequence	sequence	NOUN
fsr-4086	13	21	.	.	PUNCT
fsr-4086	14	1	tvm	tvm	PROPN
fsr-4086	14	2	can	can	AUX
fsr-4086	14	3	be	be	AUX
fsr-4086	14	4	taught	teach	VERB
fsr-4086	14	5	via	via	ADP
fsr-4086	14	6	several	several	ADJ
fsr-4086	14	7	instructional	instructional	ADJ
fsr-4086	14	8	strategies	strategy	NOUN
fsr-4086	14	9	.	.	PUNCT
fsr-4086	15	1	common	common	ADJ
fsr-4086	15	2	methods	method	NOUN
fsr-4086	15	3	of	of	ADP
fsr-4086	15	4	teaching	teaching	NOUN
fsr-4086	15	5	include	include	VERB
fsr-4086	15	6	1	1	NUM
fsr-4086	15	7	corresponding	correspond	VERB
fsr-4086	15	8	author	author	NOUN
fsr-4086	15	9	(	(	PUNCT
fsr-4086	15	10	jason.anderson@ku.edu	jason.anderson@ku.edu	PROPN
fsr-4086	15	11	)	)	PUNCT
fsr-4086	15	12	,	,	PUNCT
fsr-4086	15	13	university	university	NOUN
fsr-4086	15	14	of	of	ADP
fsr-4086	15	15	kansas	kansas	PROPN
fsr-4086	15	16	,	,	PUNCT
fsr-4086	15	17	lawrence	lawrence	PROPN
fsr-4086	15	18	,	,	PUNCT
fsr-4086	15	19	ks	ks	PROPN
fsr-4086	15	20	,	,	PUNCT
fsr-4086	15	21	usa	usa	PROPN
fsr-4086	15	22	.	.	PROPN
fsr-4086	15	23	2	2	NUM
fsr-4086	15	24	btgray@ksu.edu	btgray@ksu.edu	PROPN
fsr-4086	15	25	,	,	PUNCT
fsr-4086	15	26	kansas	kansas	PROPN
fsr-4086	15	27	state	state	PROPN
fsr-4086	15	28	university	university	PROPN
fsr-4086	15	29	,	,	PUNCT
fsr-4086	15	30	manhattan	manhattan	PROPN
fsr-4086	15	31	,	,	PUNCT
fsr-4086	15	32	ks	ks	PROPN
fsr-4086	15	33	,	,	PUNCT
fsr-4086	15	34	usa	usa	PROPN
fsr-4086	15	35	.	.	PROPN
fsr-4086	15	36	in	in	ADP
fsr-4086	15	37	-	-	PUNCT
fsr-4086	15	38	class	class	NOUN
fsr-4086	15	39	lectures	lecture	NOUN
fsr-4086	15	40	and	and	CCONJ
fsr-4086	15	41	videos	video	NOUN
fsr-4086	15	42	(	(	PUNCT
fsr-4086	15	43	created	create	VERB
fsr-4086	15	44	by	by	ADP
fsr-4086	15	45	the	the	DET
fsr-4086	15	46	professor	professor	NOUN
fsr-4086	15	47	or	or	CCONJ
fsr-4086	15	48	attained	attain	VERB
fsr-4086	15	49	through	through	ADP
fsr-4086	15	50	platforms	platform	NOUN
fsr-4086	15	51	like	like	ADP
fsr-4086	15	52	youtube	youtube	NOUN
fsr-4086	15	53	)	)	PUNCT
fsr-4086	15	54	and	and	CCONJ
fsr-4086	15	55	the	the	DET
fsr-4086	15	56	use	use	NOUN
fsr-4086	15	57	of	of	ADP
fsr-4086	15	58	tools	tool	NOUN
fsr-4086	15	59	such	such	ADJ
fsr-4086	15	60	as	as	ADP
fsr-4086	15	61	financial	financial	ADJ
fsr-4086	15	62	calculators	calculator	NOUN
fsr-4086	15	63	and	and	CCONJ
fsr-4086	15	64	microsoft	microsoft	PROPN
fsr-4086	15	65	corporation	corporation	PROPN
fsr-4086	15	66	’s	’s	PART
fsr-4086	15	67	excel	excel	PROPN
fsr-4086	15	68	spreadsheet	spreadsheet	NOUN
fsr-4086	15	69	software	software	NOUN
fsr-4086	15	70	(	(	PUNCT
fsr-4086	15	71	hereafter	hereafter	ADV
fsr-4086	15	72	referred	refer	VERB
fsr-4086	15	73	to	to	PART
fsr-4086	15	74	simply	simply	ADV
fsr-4086	15	75	as	as	ADP
fsr-4086	15	76	excel	excel	NOUN
fsr-4086	15	77	)	)	PUNCT
fsr-4086	15	78	.	.	PUNCT
fsr-4086	16	1	another	another	DET
fsr-4086	16	2	important	important	ADJ
fsr-4086	16	3	variable	variable	NOUN
fsr-4086	16	4	in	in	ADP
fsr-4086	16	5	lesson	lesson	NOUN
fsr-4086	16	6	planning	planning	NOUN
fsr-4086	16	7	is	be	AUX
fsr-4086	16	8	how	how	SCONJ
fsr-4086	16	9	long	long	ADJ
fsr-4086	16	10	to	to	PART
fsr-4086	16	11	expose	expose	VERB
fsr-4086	16	12	students	student	NOUN
fsr-4086	16	13	to	to	ADP
fsr-4086	16	14	tvm	tvm	ADJ
fsr-4086	16	15	topics	topic	NOUN
fsr-4086	16	16	before	before	ADP
fsr-4086	16	17	moving	move	VERB
fsr-4086	16	18	on	on	ADP
fsr-4086	16	19	to	to	ADP
fsr-4086	16	20	other	other	ADJ
fsr-4086	16	21	lessons	lesson	NOUN
fsr-4086	16	22	.	.	PUNCT
fsr-4086	17	1	the	the	DET
fsr-4086	17	2	questions	question	NOUN
fsr-4086	17	3	underlying	underlie	VERB
fsr-4086	17	4	these	these	DET
fsr-4086	17	5	selections	selection	NOUN
fsr-4086	17	6	are	be	AUX
fsr-4086	17	7	crucial	crucial	ADJ
fsr-4086	17	8	to	to	ADP
fsr-4086	17	9	student	student	NOUN
fsr-4086	17	10	comprehension	comprehension	NOUN
fsr-4086	17	11	.	.	PUNCT
fsr-4086	18	1	subsequently	subsequently	ADV
fsr-4086	18	2	,	,	PUNCT
fsr-4086	18	3	this	this	DET
fsr-4086	18	4	research	research	NOUN
fsr-4086	18	5	probes	probe	VERB
fsr-4086	18	6	best	good	ADJ
fsr-4086	18	7	practices	practice	NOUN
fsr-4086	18	8	in	in	ADP
fsr-4086	18	9	teaching	teach	VERB
fsr-4086	18	10	tvm	tvm	PROPN
fsr-4086	18	11	concepts	concept	NOUN
fsr-4086	18	12	,	,	PUNCT
fsr-4086	18	13	both	both	CCONJ
fsr-4086	18	14	in	in	ADP
fsr-4086	18	15	terms	term	NOUN
fsr-4086	18	16	of	of	ADP
fsr-4086	18	17	duration	duration	NOUN
fsr-4086	18	18	of	of	ADP
fsr-4086	18	19	exposure	exposure	NOUN
fsr-4086	18	20	and	and	CCONJ
fsr-4086	18	21	selection	selection	NOUN
fsr-4086	18	22	of	of	ADP
fsr-4086	18	23	effective	effective	ADJ
fsr-4086	18	24	tools	tool	NOUN
fsr-4086	18	25	.	.	PUNCT
fsr-4086	19	1	literature	literature	PROPN
fsr-4086	19	2	review	review	PROPN
fsr-4086	19	3	tvm	tvm	PROPN
fsr-4086	19	4	has	have	VERB
fsr-4086	19	5	a	a	DET
fsr-4086	19	6	long	long	ADJ
fsr-4086	19	7	history	history	NOUN
fsr-4086	19	8	of	of	ADP
fsr-4086	19	9	use	use	NOUN
fsr-4086	19	10	in	in	ADP
fsr-4086	19	11	decisionmaking	decisionmake	VERB
fsr-4086	19	12	across	across	ADP
fsr-4086	19	13	industries	industry	NOUN
fsr-4086	19	14	,	,	PUNCT
fsr-4086	19	15	making	make	VERB
fsr-4086	19	16	it	it	PRON
fsr-4086	19	17	necessary	necessary	ADJ
fsr-4086	19	18	learning	learn	VERB
fsr-4086	19	19	for	for	ADP
fsr-4086	19	20	business	business	NOUN
fsr-4086	19	21	,	,	PUNCT
fsr-4086	19	22	finance	finance	NOUN
fsr-4086	19	23	,	,	PUNCT
fsr-4086	19	24	and	and	CCONJ
fsr-4086	19	25	personal	personal	ADJ
fsr-4086	19	26	financial	financial	ADJ
fsr-4086	19	27	planning	planning	NOUN
fsr-4086	19	28	students	student	NOUN
fsr-4086	19	29	.	.	PUNCT
fsr-4086	20	1	shrieves	shrieve	NOUN
fsr-4086	20	2	&	&	CCONJ
fsr-4086	20	3	wachowicz	wachowicz	PROPN
fsr-4086	20	4	(	(	PUNCT
fsr-4086	20	5	2001	2001	NUM
fsr-4086	20	6	)	)	PUNCT
fsr-4086	20	7	noted	note	VERB
fsr-4086	20	8	that	that	SCONJ
fsr-4086	20	9	using	use	VERB
fsr-4086	20	10	discounting	discount	VERB
fsr-4086	20	11	https://creativecommons.org/licenses/by-nc/4.0/	https://creativecommons.org/licenses/by-nc/4.0/	PROPN
fsr-4086	20	12	anderson	anderson	PROPN
fsr-4086	20	13	&	&	CCONJ
fsr-4086	20	14	gray	gray	ADJ
fsr-4086	20	15	63	63	NUM
fsr-4086	20	16	methods	method	NOUN
fsr-4086	20	17	found	find	VERB
fsr-4086	20	18	in	in	ADP
fsr-4086	20	19	tvm	tvm	PROPN
fsr-4086	20	20	calculations	calculation	NOUN
fsr-4086	20	21	dates	date	VERB
fsr-4086	20	22	to	to	ADP
fsr-4086	20	23	the	the	DET
fsr-4086	20	24	old	old	ADJ
fsr-4086	20	25	babylonian	babylonian	ADJ
fsr-4086	20	26	period	period	NOUN
fsr-4086	20	27	of	of	ADP
fsr-4086	20	28	1800	1800	NUM
fsr-4086	20	29	b.c	b.c	NOUN
fsr-4086	20	30	.	.	PUNCT
fsr-4086	20	31	to	to	PART
fsr-4086	20	32	cite	cite	VERB
fsr-4086	20	33	only	only	ADV
fsr-4086	20	34	a	a	DET
fsr-4086	20	35	few	few	ADJ
fsr-4086	20	36	examples	example	NOUN
fsr-4086	20	37	of	of	ADP
fsr-4086	20	38	how	how	SCONJ
fsr-4086	20	39	tvm	tvm	PROPN
fsr-4086	20	40	is	be	AUX
fsr-4086	20	41	used	use	VERB
fsr-4086	20	42	in	in	ADP
fsr-4086	20	43	industry	industry	NOUN
fsr-4086	20	44	,	,	PUNCT
fsr-4086	20	45	lucko	lucko	INTJ
fsr-4086	20	46	(	(	PUNCT
fsr-4086	20	47	2013	2013	NUM
fsr-4086	20	48	)	)	PUNCT
fsr-4086	20	49	explored	explore	VERB
fsr-4086	20	50	the	the	DET
fsr-4086	20	51	role	role	NOUN
fsr-4086	20	52	of	of	ADP
fsr-4086	20	53	singularity	singularity	NOUN
fsr-4086	20	54	functions	function	NOUN
fsr-4086	20	55	for	for	ADP
fsr-4086	20	56	the	the	DET
fsr-4086	20	57	application	application	NOUN
fsr-4086	20	58	of	of	ADP
fsr-4086	20	59	tvm	tvm	PROPN
fsr-4086	20	60	in	in	ADP
fsr-4086	20	61	the	the	DET
fsr-4086	20	62	budgeting	budgeting	NOUN
fsr-4086	20	63	process	process	NOUN
fsr-4086	20	64	in	in	ADP
fsr-4086	20	65	the	the	DET
fsr-4086	20	66	construction	construction	NOUN
fsr-4086	20	67	industry	industry	NOUN
fsr-4086	20	68	.	.	PUNCT
fsr-4086	21	1	baruom	baruom	NOUN
fsr-4086	21	2	&	&	CCONJ
fsr-4086	21	3	patterson	patterson	PROPN
fsr-4086	21	4	(	(	PUNCT
fsr-4086	21	5	1996	1996	NUM
fsr-4086	21	6	)	)	PUNCT
fsr-4086	21	7	discussed	discuss	VERB
fsr-4086	21	8	the	the	DET
fsr-4086	21	9	use	use	NOUN
fsr-4086	21	10	of	of	ADP
fsr-4086	21	11	heuristics	heuristic	NOUN
fsr-4086	21	12	and	and	CCONJ
fsr-4086	21	13	net	net	ADJ
fsr-4086	21	14	present	present	ADJ
fsr-4086	21	15	value	value	NOUN
fsr-4086	21	16	(	(	PUNCT
fsr-4086	21	17	npv	npv	NOUN
fsr-4086	21	18	)	)	PUNCT
fsr-4086	21	19	–	–	PUNCT
fsr-4086	21	20	a	a	DET
fsr-4086	21	21	finance	finance	NOUN
fsr-4086	21	22	concept	concept	NOUN
fsr-4086	21	23	closely	closely	ADV
fsr-4086	21	24	related	relate	VERB
fsr-4086	21	25	to	to	ADP
fsr-4086	21	26	the	the	DET
fsr-4086	21	27	time	time	NOUN
fsr-4086	21	28	-	-	PUNCT
fsr-4086	21	29	based	base	VERB
fsr-4086	21	30	value	value	NOUN
fsr-4086	21	31	of	of	ADP
fsr-4086	21	32	money	money	NOUN
fsr-4086	21	33	in	in	ADP
fsr-4086	21	34	financing	financing	NOUN
fsr-4086	21	35	decisions	decision	NOUN
fsr-4086	21	36	–	–	PUNCT
fsr-4086	21	37	in	in	ADP
fsr-4086	21	38	improving	improve	VERB
fsr-4086	21	39	financial	financial	ADJ
fsr-4086	21	40	calculations	calculation	NOUN
fsr-4086	21	41	beyond	beyond	ADP
fsr-4086	21	42	the	the	DET
fsr-4086	21	43	traditional	traditional	ADJ
fsr-4086	21	44	approaches	approach	NOUN
fsr-4086	21	45	in	in	ADP
fsr-4086	21	46	operations	operation	NOUN
fsr-4086	21	47	management	management	NOUN
fsr-4086	21	48	.	.	PUNCT
fsr-4086	22	1	finally	finally	ADV
fsr-4086	22	2	,	,	PUNCT
fsr-4086	22	3	weil	weil	PROPN
fsr-4086	22	4	(	(	PUNCT
fsr-4086	22	5	1990	1990	NUM
fsr-4086	22	6	)	)	PUNCT
fsr-4086	22	7	explored	explore	VERB
fsr-4086	22	8	the	the	DET
fsr-4086	22	9	relationship	relationship	NOUN
fsr-4086	22	10	between	between	ADP
fsr-4086	22	11	generally	generally	ADV
fsr-4086	22	12	accepted	accept	VERB
fsr-4086	22	13	accounting	accounting	NOUN
fsr-4086	22	14	principles	principle	NOUN
fsr-4086	22	15	(	(	PUNCT
fsr-4086	22	16	gaap	gaap	PROPN
fsr-4086	22	17	)	)	PUNCT
fsr-4086	22	18	and	and	CCONJ
fsr-4086	22	19	the	the	DET
fsr-4086	22	20	discounting	discounting	NOUN
fsr-4086	22	21	of	of	ADP
fsr-4086	22	22	cash	cash	NOUN
fsr-4086	22	23	flows	flow	NOUN
fsr-4086	22	24	within	within	ADP
fsr-4086	22	25	the	the	DET
fsr-4086	22	26	accounting	accounting	NOUN
fsr-4086	22	27	profession	profession	NOUN
fsr-4086	22	28	.	.	PUNCT
fsr-4086	23	1	once	once	SCONJ
fsr-4086	23	2	students	student	NOUN
fsr-4086	23	3	gain	gain	VERB
fsr-4086	23	4	a	a	DET
fsr-4086	23	5	solid	solid	ADJ
fsr-4086	23	6	understanding	understanding	NOUN
fsr-4086	23	7	of	of	ADP
fsr-4086	23	8	basic	basic	ADJ
fsr-4086	23	9	tvm	tvm	PROPN
fsr-4086	23	10	concepts	concept	NOUN
fsr-4086	23	11	,	,	PUNCT
fsr-4086	23	12	they	they	PRON
fsr-4086	23	13	quickly	quickly	ADV
fsr-4086	23	14	learn	learn	VERB
fsr-4086	23	15	how	how	SCONJ
fsr-4086	23	16	integral	integral	ADJ
fsr-4086	23	17	tvm	tvm	NOUN
fsr-4086	23	18	is	be	AUX
fsr-4086	23	19	to	to	ADP
fsr-4086	23	20	all	all	DET
fsr-4086	23	21	areas	area	NOUN
fsr-4086	23	22	of	of	ADP
fsr-4086	23	23	finance	finance	NOUN
fsr-4086	23	24	.	.	PUNCT
fsr-4086	24	1	a	a	DET
fsr-4086	24	2	review	review	NOUN
fsr-4086	24	3	of	of	ADP
fsr-4086	24	4	an	an	DET
fsr-4086	24	5	open	open	ADJ
fsr-4086	24	6	-	-	PUNCT
fsr-4086	24	7	source	source	NOUN
fsr-4086	24	8	finance	finance	NOUN
fsr-4086	24	9	textbook	textbook	NOUN
fsr-4086	24	10	,	,	PUNCT
fsr-4086	24	11	principles	principle	NOUN
fsr-4086	24	12	of	of	ADP
fsr-4086	24	13	finance	finance	NOUN
fsr-4086	24	14	(	(	PUNCT
fsr-4086	24	15	published	publish	VERB
fsr-4086	24	16	by	by	ADP
fsr-4086	24	17	openstax	openstax	NOUN
fsr-4086	24	18	)	)	PUNCT
fsr-4086	24	19	,	,	PUNCT
fsr-4086	24	20	shows	show	VERB
fsr-4086	24	21	that	that	SCONJ
fsr-4086	24	22	it	it	PRON
fsr-4086	24	23	introduces	introduce	VERB
fsr-4086	24	24	the	the	DET
fsr-4086	24	25	most	most	ADV
fsr-4086	24	26	basic	basic	ADJ
fsr-4086	24	27	,	,	PUNCT
fsr-4086	24	28	single	single	ADJ
fsr-4086	24	29	-	-	PUNCT
fsr-4086	24	30	payment	payment	NOUN
fsr-4086	24	31	tvm	tvm	NOUN
fsr-4086	24	32	problems	problem	NOUN
fsr-4086	24	33	in	in	ADP
fsr-4086	24	34	chapter	chapter	NOUN
fsr-4086	24	35	7	7	NUM
fsr-4086	24	36	after	after	ADP
fsr-4086	24	37	teaching	teach	VERB
fsr-4086	24	38	students	student	NOUN
fsr-4086	24	39	about	about	ADP
fsr-4086	24	40	accrual	accrual	ADJ
fsr-4086	24	41	accounting	accounting	NOUN
fsr-4086	24	42	,	,	PUNCT
fsr-4086	24	43	financial	financial	ADJ
fsr-4086	24	44	statements	statement	NOUN
fsr-4086	24	45	,	,	PUNCT
fsr-4086	24	46	ratio	ratio	NOUN
fsr-4086	24	47	analysis	analysis	NOUN
fsr-4086	24	48	,	,	PUNCT
fsr-4086	24	49	and	and	CCONJ
fsr-4086	24	50	corporate	corporate	ADJ
fsr-4086	24	51	structure	structure	NOUN
fsr-4086	24	52	and	and	CCONJ
fsr-4086	24	53	governance	governance	NOUN
fsr-4086	24	54	(	(	PUNCT
fsr-4086	24	55	dahlquist	dahlquist	NOUN
fsr-4086	24	56	&	&	CCONJ
fsr-4086	24	57	knight	knight	NOUN
fsr-4086	24	58	,	,	PUNCT
fsr-4086	24	59	2024	2024	NUM
fsr-4086	24	60	)	)	PUNCT
fsr-4086	24	61	.	.	PUNCT
fsr-4086	25	1	once	once	ADV
fsr-4086	25	2	this	this	DET
fsr-4086	25	3	foundational	foundational	ADJ
fsr-4086	25	4	tvm	tvm	PROPN
fsr-4086	25	5	idea	idea	NOUN
fsr-4086	25	6	is	be	AUX
fsr-4086	25	7	presented	present	VERB
fsr-4086	25	8	,	,	PUNCT
fsr-4086	25	9	more	more	ADV
fsr-4086	25	10	complex	complex	ADJ
fsr-4086	25	11	concepts	concept	NOUN
fsr-4086	25	12	are	be	AUX
fsr-4086	25	13	introduced	introduce	VERB
fsr-4086	25	14	,	,	PUNCT
fsr-4086	25	15	including	include	VERB
fsr-4086	25	16	multiple	multiple	ADJ
fsr-4086	25	17	payments	payment	NOUN
fsr-4086	25	18	,	,	PUNCT
fsr-4086	25	19	both	both	CCONJ
fsr-4086	25	20	equal	equal	ADJ
fsr-4086	25	21	and	and	CCONJ
fsr-4086	25	22	unequal	unequal	ADJ
fsr-4086	25	23	.	.	PUNCT
fsr-4086	26	1	this	this	DET
fsr-4086	26	2	level	level	NOUN
fsr-4086	26	3	unlocks	unlock	VERB
fsr-4086	26	4	a	a	DET
fsr-4086	26	5	whole	whole	ADJ
fsr-4086	26	6	new	new	ADJ
fsr-4086	26	7	world	world	NOUN
fsr-4086	26	8	of	of	ADP
fsr-4086	26	9	financial	financial	ADJ
fsr-4086	26	10	learning	learning	NOUN
fsr-4086	26	11	,	,	PUNCT
fsr-4086	26	12	including	include	VERB
fsr-4086	26	13	npv	npv	NOUN
fsr-4086	26	14	analysis	analysis	NOUN
fsr-4086	26	15	and	and	CCONJ
fsr-4086	26	16	other	other	ADJ
fsr-4086	26	17	computational	computational	ADJ
fsr-4086	26	18	methods	method	NOUN
fsr-4086	26	19	for	for	ADP
fsr-4086	26	20	capital	capital	NOUN
fsr-4086	26	21	budgeting	budgeting	NOUN
fsr-4086	26	22	decisions	decision	NOUN
fsr-4086	26	23	,	,	PUNCT
fsr-4086	26	24	loan	loan	NOUN
fsr-4086	26	25	amortization	amortization	NOUN
fsr-4086	26	26	schedules	schedule	NOUN
fsr-4086	26	27	,	,	PUNCT
fsr-4086	26	28	interest	interest	NOUN
fsr-4086	26	29	rate	rate	NOUN
fsr-4086	26	30	comparisons	comparison	NOUN
fsr-4086	26	31	,	,	PUNCT
fsr-4086	26	32	and	and	CCONJ
fsr-4086	26	33	stock	stock	NOUN
fsr-4086	26	34	and	and	CCONJ
fsr-4086	26	35	bond	bond	NOUN
fsr-4086	26	36	valuations	valuation	NOUN
fsr-4086	26	37	.	.	PUNCT
fsr-4086	27	1	however	however	ADV
fsr-4086	27	2	,	,	PUNCT
fsr-4086	27	3	gaining	gain	VERB
fsr-4086	27	4	a	a	DET
fsr-4086	27	5	basic	basic	ADJ
fsr-4086	27	6	understanding	understanding	NOUN
fsr-4086	27	7	of	of	ADP
fsr-4086	27	8	tvm	tvm	PROPN
fsr-4086	27	9	,	,	PUNCT
fsr-4086	27	10	before	before	ADP
fsr-4086	27	11	scaffolding	scaffold	VERB
fsr-4086	27	12	into	into	ADP
fsr-4086	27	13	higher	high	ADJ
fsr-4086	27	14	levels	level	NOUN
fsr-4086	27	15	of	of	ADP
fsr-4086	27	16	financial	financial	ADJ
fsr-4086	27	17	analysis	analysis	NOUN
fsr-4086	27	18	,	,	PUNCT
fsr-4086	27	19	is	be	AUX
fsr-4086	27	20	not	not	PART
fsr-4086	27	21	without	without	ADP
fsr-4086	27	22	its	its	PRON
fsr-4086	27	23	challenges	challenge	NOUN
fsr-4086	27	24	.	.	PUNCT
fsr-4086	28	1	learning	learn	VERB
fsr-4086	28	2	tvm	tvm	PROPN
fsr-4086	28	3	can	can	AUX
fsr-4086	28	4	be	be	AUX
fsr-4086	28	5	difficult	difficult	ADJ
fsr-4086	28	6	due	due	ADJ
fsr-4086	28	7	to	to	ADP
fsr-4086	28	8	the	the	DET
fsr-4086	28	9	potentially	potentially	ADV
fsr-4086	28	10	challenging	challenging	ADJ
fsr-4086	28	11	mathematical	mathematical	ADJ
fsr-4086	28	12	relationships	relationship	NOUN
fsr-4086	28	13	underpinning	underpin	VERB
fsr-4086	28	14	the	the	DET
fsr-4086	28	15	calculations	calculation	NOUN
fsr-4086	28	16	(	(	PUNCT
fsr-4086	28	17	delaney	delaney	NOUN
fsr-4086	28	18	et	et	PROPN
fsr-4086	28	19	al	al	PROPN
fsr-4086	28	20	.	.	PROPN
fsr-4086	28	21	,	,	PUNCT
fsr-4086	28	22	2016	2016	NUM
fsr-4086	28	23	;	;	PUNCT
fsr-4086	28	24	jalbert	jalbert	NOUN
fsr-4086	28	25	,	,	PUNCT
fsr-4086	28	26	2002	2002	NUM
fsr-4086	28	27	)	)	PUNCT
fsr-4086	28	28	.	.	PUNCT
fsr-4086	29	1	additionally	additionally	ADV
fsr-4086	29	2	,	,	PUNCT
fsr-4086	29	3	problems	problem	NOUN
fsr-4086	29	4	quickly	quickly	ADV
fsr-4086	29	5	build	build	VERB
fsr-4086	29	6	in	in	ADP
fsr-4086	29	7	complexity	complexity	NOUN
fsr-4086	29	8	when	when	SCONJ
fsr-4086	29	9	graduating	graduate	VERB
fsr-4086	29	10	from	from	ADP
fsr-4086	29	11	single	single	ADJ
fsr-4086	29	12	,	,	PUNCT
fsr-4086	29	13	lump	lump	NOUN
fsr-4086	29	14	sum	sum	NOUN
fsr-4086	29	15	calculations	calculation	NOUN
fsr-4086	29	16	to	to	ADP
fsr-4086	29	17	multiperiod	multiperiod	NOUN
fsr-4086	29	18	payments	payment	NOUN
fsr-4086	29	19	(	(	PUNCT
fsr-4086	29	20	i.e.	i.e.	X
fsr-4086	29	21	,	,	PUNCT
fsr-4086	29	22	annuities	annuity	NOUN
fsr-4086	29	23	)	)	PUNCT
fsr-4086	29	24	.	.	PUNCT
fsr-4086	30	1	consequently	consequently	ADV
fsr-4086	30	2	,	,	PUNCT
fsr-4086	30	3	different	different	ADJ
fsr-4086	30	4	experiential	experiential	ADJ
fsr-4086	30	5	and	and	CCONJ
fsr-4086	30	6	simplified	simplified	ADJ
fsr-4086	30	7	approaches	approach	NOUN
fsr-4086	30	8	to	to	ADP
fsr-4086	30	9	teaching	teach	VERB
fsr-4086	30	10	tvm	tvm	PROPN
fsr-4086	30	11	have	have	AUX
fsr-4086	30	12	previously	previously	ADV
fsr-4086	30	13	been	be	AUX
fsr-4086	30	14	explored	explore	VERB
fsr-4086	30	15	,	,	PUNCT
fsr-4086	30	16	including	include	VERB
fsr-4086	30	17	using	use	VERB
fsr-4086	30	18	graphical	graphical	ADJ
fsr-4086	30	19	approaches	approach	NOUN
fsr-4086	30	20	and	and	CCONJ
fsr-4086	30	21	excel	excel	NOUN
fsr-4086	30	22	.	.	PUNCT
fsr-4086	31	1	arellano	arellano	PROPN
fsr-4086	31	2	et	et	PROPN
fsr-4086	31	3	al	al	PROPN
fsr-4086	31	4	.	.	PROPN
fsr-4086	31	5	(	(	PUNCT
fsr-4086	31	6	2012	2012	NUM
fsr-4086	31	7	)	)	PUNCT
fsr-4086	31	8	demonstrated	demonstrate	VERB
fsr-4086	31	9	the	the	DET
fsr-4086	31	10	use	use	NOUN
fsr-4086	31	11	of	of	ADP
fsr-4086	31	12	excel	excel	NOUN
fsr-4086	31	13	to	to	PART
fsr-4086	31	14	teach	teach	VERB
fsr-4086	31	15	students	student	NOUN
fsr-4086	31	16	tvm	tvm	PROPN
fsr-4086	31	17	concepts	concept	NOUN
fsr-4086	31	18	using	use	VERB
fsr-4086	31	19	a	a	DET
fsr-4086	31	20	retirement	retirement	NOUN
fsr-4086	31	21	model	model	NOUN
fsr-4086	31	22	.	.	PUNCT
fsr-4086	32	1	martinez	martinez	PROPN
fsr-4086	32	2	(	(	PUNCT
fsr-4086	32	3	2013	2013	NUM
fsr-4086	32	4	)	)	PUNCT
fsr-4086	32	5	assessed	assess	VERB
fsr-4086	32	6	the	the	DET
fsr-4086	32	7	use	use	NOUN
fsr-4086	32	8	of	of	ADP
fsr-4086	32	9	graphics	graphic	NOUN
fsr-4086	32	10	(	(	PUNCT
fsr-4086	32	11	the	the	DET
fsr-4086	32	12	“	"	PUNCT
fsr-4086	32	13	time	time	NOUN
fsr-4086	32	14	value	value	NOUN
fsr-4086	32	15	of	of	ADP
fsr-4086	32	16	money	money	NOUN
fsr-4086	32	17	tree	tree	NOUN
fsr-4086	32	18	”	"	PUNCT
fsr-4086	32	19	)	)	PUNCT
fsr-4086	32	20	within	within	ADP
fsr-4086	32	21	excel	excel	NOUN
fsr-4086	32	22	to	to	PART
fsr-4086	32	23	simplify	simplify	VERB
fsr-4086	32	24	the	the	DET
fsr-4086	32	25	learning	learning	NOUN
fsr-4086	32	26	of	of	ADP
fsr-4086	32	27	tvm	tvm	PROPN
fsr-4086	32	28	(	(	PUNCT
fsr-4086	32	29	p.	p.	NOUN
fsr-4086	32	30	107	107	NUM
fsr-4086	32	31	)	)	PUNCT
fsr-4086	32	32	.	.	PUNCT
fsr-4086	33	1	jalbert	jalbert	PROPN
fsr-4086	33	2	(	(	PUNCT
fsr-4086	33	3	2002	2002	NUM
fsr-4086	33	4	)	)	PUNCT
fsr-4086	33	5	developed	develop	VERB
fsr-4086	33	6	a	a	DET
fsr-4086	33	7	flow	flow	NOUN
fsr-4086	33	8	-	-	PUNCT
fsr-4086	33	9	chart	chart	NOUN
fsr-4086	33	10	system	system	NOUN
fsr-4086	33	11	to	to	PART
fsr-4086	33	12	help	help	VERB
fsr-4086	33	13	students	student	NOUN
fsr-4086	33	14	answer	answer	VERB
fsr-4086	33	15	tvm	tvm	PROPN
fsr-4086	33	16	problems	problem	NOUN
fsr-4086	33	17	(	(	PUNCT
fsr-4086	33	18	see	see	VERB
fsr-4086	33	19	also	also	ADV
fsr-4086	33	20	jalbert	jalbert	VERB
fsr-4086	33	21	et	et	PROPN
fsr-4086	33	22	al	al	PROPN
fsr-4086	33	23	.	.	PROPN
fsr-4086	33	24	,	,	PUNCT
fsr-4086	33	25	2004	2004	NUM
fsr-4086	33	26	,	,	PUNCT
fsr-4086	33	27	for	for	ADP
fsr-4086	33	28	an	an	DET
fsr-4086	33	29	updated	update	VERB
fsr-4086	33	30	version	version	NOUN
fsr-4086	33	31	of	of	ADP
fsr-4086	33	32	this	this	DET
fsr-4086	33	33	method	method	NOUN
fsr-4086	33	34	)	)	PUNCT
fsr-4086	33	35	.	.	PUNCT
fsr-4086	34	1	jalbert	jalbert	PROPN
fsr-4086	34	2	’s	’s	PART
fsr-4086	34	3	process	process	NOUN
fsr-4086	34	4	was	be	AUX
fsr-4086	34	5	later	later	ADV
fsr-4086	34	6	modified	modify	VERB
fsr-4086	34	7	by	by	ADP
fsr-4086	34	8	newfeld	newfeld	PROPN
fsr-4086	34	9	(	(	PUNCT
fsr-4086	34	10	2012	2012	NUM
fsr-4086	34	11	)	)	PUNCT
fsr-4086	34	12	for	for	ADP
fsr-4086	34	13	use	use	NOUN
fsr-4086	34	14	with	with	ADP
fsr-4086	34	15	students	student	NOUN
fsr-4086	34	16	with	with	ADP
fsr-4086	34	17	dyslexia	dyslexia	PROPN
fsr-4086	34	18	.	.	PUNCT
fsr-4086	35	1	gardner	gardner	NOUN
fsr-4086	35	2	(	(	PUNCT
fsr-4086	35	3	2004	2004	NUM
fsr-4086	35	4	)	)	PUNCT
fsr-4086	35	5	introduced	introduce	VERB
fsr-4086	35	6	several	several	ADJ
fsr-4086	35	7	pedagogical	pedagogical	ADJ
fsr-4086	35	8	changes	change	NOUN
fsr-4086	35	9	to	to	PART
fsr-4086	35	10	simplify	simplify	VERB
fsr-4086	35	11	tvm	tvm	PROPN
fsr-4086	35	12	calculations	calculation	NOUN
fsr-4086	35	13	,	,	PUNCT
fsr-4086	35	14	including	include	VERB
fsr-4086	35	15	helpful	helpful	ADJ
fsr-4086	35	16	modifications	modification	NOUN
fsr-4086	35	17	to	to	ADP
fsr-4086	35	18	the	the	DET
fsr-4086	35	19	variable	variable	ADJ
fsr-4086	35	20	inputs	input	NOUN
fsr-4086	35	21	.	.	PUNCT
fsr-4086	36	1	finally	finally	ADV
fsr-4086	36	2	,	,	PUNCT
fsr-4086	36	3	dempsey	dempsey	PROPN
fsr-4086	36	4	(	(	PUNCT
fsr-4086	36	5	2003	2003	NUM
fsr-4086	36	6	)	)	PUNCT
fsr-4086	36	7	,	,	PUNCT
fsr-4086	36	8	based	base	VERB
fsr-4086	36	9	on	on	ADP
fsr-4086	36	10	the	the	DET
fsr-4086	36	11	encouraging	encouraging	ADJ
fsr-4086	36	12	results	result	NOUN
fsr-4086	36	13	of	of	ADP
fsr-4086	36	14	an	an	DET
fsr-4086	36	15	experimental	experimental	ADJ
fsr-4086	36	16	study	study	NOUN
fsr-4086	36	17	conducted	conduct	VERB
fsr-4086	36	18	by	by	ADP
fsr-4086	36	19	the	the	DET
fsr-4086	36	20	author	author	NOUN
fsr-4086	36	21	,	,	PUNCT
fsr-4086	36	22	encouraged	encourage	VERB
fsr-4086	36	23	educators	educator	NOUN
fsr-4086	36	24	to	to	PART
fsr-4086	36	25	teach	teach	VERB
fsr-4086	36	26	tvm	tvm	PROPN
fsr-4086	36	27	problems	problem	NOUN
fsr-4086	36	28	mathematically	mathematically	ADV
fsr-4086	36	29	for	for	ADP
fsr-4086	36	30	maximum	maximum	ADJ
fsr-4086	36	31	educational	educational	ADJ
fsr-4086	36	32	benefits	benefit	NOUN
fsr-4086	36	33	.	.	PUNCT
fsr-4086	37	1	theoretical	theoretical	ADJ
fsr-4086	37	2	framework	framework	NOUN
fsr-4086	37	3	pedagogically	pedagogically	ADV
fsr-4086	37	4	,	,	PUNCT
fsr-4086	37	5	it	it	PRON
fsr-4086	37	6	is	be	AUX
fsr-4086	37	7	certainly	certainly	ADV
fsr-4086	37	8	beneficial	beneficial	ADJ
fsr-4086	37	9	to	to	PART
fsr-4086	37	10	test	test	VERB
fsr-4086	37	11	the	the	DET
fsr-4086	37	12	efficacy	efficacy	NOUN
fsr-4086	37	13	of	of	ADP
fsr-4086	37	14	various	various	ADJ
fsr-4086	37	15	technologies	technology	NOUN
fsr-4086	37	16	in	in	ADP
fsr-4086	37	17	learning	learn	VERB
fsr-4086	37	18	tvm	tvm	PROPN
fsr-4086	37	19	.	.	PUNCT
fsr-4086	38	1	indeed	indeed	ADV
fsr-4086	38	2	,	,	PUNCT
fsr-4086	38	3	this	this	DET
fsr-4086	38	4	study	study	NOUN
fsr-4086	38	5	presents	present	VERB
fsr-4086	38	6	evidence	evidence	NOUN
fsr-4086	38	7	of	of	ADP
fsr-4086	38	8	varying	vary	VERB
fsr-4086	38	9	efficacy	efficacy	NOUN
fsr-4086	38	10	of	of	ADP
fsr-4086	38	11	using	use	VERB
fsr-4086	38	12	a	a	DET
fsr-4086	38	13	financial	financial	ADJ
fsr-4086	38	14	calculator	calculator	NOUN
fsr-4086	38	15	or	or	CCONJ
fsr-4086	38	16	excel	excel	VERB
fsr-4086	38	17	in	in	ADP
fsr-4086	38	18	the	the	DET
fsr-4086	38	19	learning	learning	NOUN
fsr-4086	38	20	of	of	ADP
fsr-4086	38	21	tvm	tvm	PROPN
fsr-4086	38	22	concepts	concept	NOUN
fsr-4086	38	23	.	.	PUNCT
fsr-4086	39	1	however	however	ADV
fsr-4086	39	2	,	,	PUNCT
fsr-4086	39	3	another	another	DET
fsr-4086	39	4	pedagogical	pedagogical	ADJ
fsr-4086	39	5	question	question	NOUN
fsr-4086	39	6	remains	remain	VERB
fsr-4086	39	7	:	:	PUNCT
fsr-4086	39	8	to	to	ADP
fsr-4086	39	9	what	what	DET
fsr-4086	39	10	extent	extent	NOUN
fsr-4086	39	11	does	do	AUX
fsr-4086	39	12	supplementary	supplementary	ADJ
fsr-4086	39	13	practice	practice	NOUN
fsr-4086	39	14	,	,	PUNCT
fsr-4086	39	15	trial	trial	NOUN
fsr-4086	39	16	and	and	CCONJ
fsr-4086	39	17	error	error	NOUN
fsr-4086	39	18	,	,	PUNCT
fsr-4086	39	19	and	and	CCONJ
fsr-4086	39	20	extra	extra	ADJ
fsr-4086	39	21	exposure	exposure	NOUN
fsr-4086	39	22	to	to	ADP
fsr-4086	39	23	tvm	tvm	PROPN
fsr-4086	39	24	concepts	concept	NOUN
fsr-4086	39	25	assist	assist	VERB
fsr-4086	39	26	students	student	NOUN
fsr-4086	39	27	in	in	ADP
fsr-4086	39	28	learning	learn	VERB
fsr-4086	39	29	these	these	DET
fsr-4086	39	30	important	important	ADJ
fsr-4086	39	31	concepts	concept	NOUN
fsr-4086	39	32	?	?	PUNCT
fsr-4086	40	1	does	do	AUX
fsr-4086	40	2	practice	practice	VERB
fsr-4086	40	3	truly	truly	ADV
fsr-4086	40	4	make	make	VERB
fsr-4086	40	5	perfect	perfect	ADJ
fsr-4086	40	6	?	?	PUNCT
fsr-4086	41	1	to	to	PART
fsr-4086	41	2	answer	answer	VERB
fsr-4086	41	3	this	this	DET
fsr-4086	41	4	question	question	NOUN
fsr-4086	41	5	,	,	PUNCT
fsr-4086	41	6	this	this	DET
fsr-4086	41	7	research	research	NOUN
fsr-4086	41	8	uses	use	VERB
fsr-4086	41	9	a	a	DET
fsr-4086	41	10	relatively	relatively	ADV
fsr-4086	41	11	new	new	ADJ
fsr-4086	41	12	educational	educational	ADJ
fsr-4086	41	13	theory	theory	NOUN
fsr-4086	41	14	formulated	formulate	VERB
fsr-4086	41	15	by	by	ADP
fsr-4086	41	16	siemens	siemen	NOUN
fsr-4086	41	17	(	(	PUNCT
fsr-4086	41	18	2005	2005	NUM
fsr-4086	41	19	)	)	PUNCT
fsr-4086	41	20	and	and	CCONJ
fsr-4086	41	21	downes	downe	NOUN
fsr-4086	41	22	(	(	PUNCT
fsr-4086	41	23	2008	2008	NUM
fsr-4086	41	24	):	):	PUNCT
fsr-4086	41	25	connectivism	connectivism	NOUN
fsr-4086	41	26	learning	learn	VERB
fsr-4086	41	27	theory	theory	NOUN
fsr-4086	41	28	(	(	PUNCT
fsr-4086	41	29	clt	clt	PROPN
fsr-4086	41	30	)	)	PUNCT
fsr-4086	41	31	.	.	PUNCT
fsr-4086	42	1	clt	clt	PROPN
fsr-4086	42	2	accepts	accept	VERB
fsr-4086	42	3	the	the	DET
fsr-4086	42	4	role	role	NOUN
fsr-4086	42	5	of	of	ADP
fsr-4086	42	6	technology	technology	NOUN
fsr-4086	42	7	in	in	ADP
fsr-4086	42	8	education	education	NOUN
fsr-4086	42	9	and	and	CCONJ
fsr-4086	42	10	seeks	seek	VERB
fsr-4086	42	11	to	to	PART
fsr-4086	42	12	explain	explain	VERB
fsr-4086	42	13	its	its	PRON
fsr-4086	42	14	role	role	NOUN
fsr-4086	42	15	in	in	ADP
fsr-4086	42	16	the	the	DET
fsr-4086	42	17	learning	learning	NOUN
fsr-4086	42	18	process	process	NOUN
fsr-4086	42	19	.	.	PUNCT
fsr-4086	43	1	it	it	PRON
fsr-4086	43	2	also	also	ADV
fsr-4086	43	3	emphasizes	emphasize	VERB
fsr-4086	43	4	the	the	DET
fsr-4086	43	5	importance	importance	NOUN
fsr-4086	43	6	of	of	ADP
fsr-4086	43	7	interaction	interaction	NOUN
fsr-4086	43	8	and	and	CCONJ
fsr-4086	43	9	building	building	NOUN
fsr-4086	43	10	connections	connection	NOUN
fsr-4086	43	11	(	(	PUNCT
fsr-4086	43	12	i.e.	i.e.	X
fsr-4086	43	13	“	"	PUNCT
fsr-4086	43	14	emergence	emergence	NOUN
fsr-4086	43	15	”	"	PUNCT
fsr-4086	43	16	)	)	PUNCT
fsr-4086	43	17	and	and	CCONJ
fsr-4086	43	18	active	active	ADJ
fsr-4086	43	19	learning	learning	NOUN
fsr-4086	43	20	in	in	ADP
fsr-4086	43	21	the	the	DET
fsr-4086	43	22	acquisition	acquisition	NOUN
fsr-4086	43	23	of	of	ADP
fsr-4086	43	24	knowledge	knowledge	NOUN
fsr-4086	43	25	(	(	PUNCT
fsr-4086	43	26	downes	downe	NOUN
fsr-4086	43	27	,	,	PUNCT
fsr-4086	43	28	2008	2008	NUM
fsr-4086	43	29	;	;	PUNCT
fsr-4086	43	30	siemens	siemen	NOUN
fsr-4086	43	31	,	,	PUNCT
fsr-4086	43	32	2005	2005	NUM
fsr-4086	43	33	)	)	PUNCT
fsr-4086	43	34	.	.	PUNCT
fsr-4086	44	1	a	a	DET
fsr-4086	44	2	key	key	ADJ
fsr-4086	44	3	concept	concept	NOUN
fsr-4086	44	4	of	of	ADP
fsr-4086	44	5	clt	clt	PROPN
fsr-4086	44	6	is	be	AUX
fsr-4086	44	7	“	"	PUNCT
fsr-4086	44	8	network	network	NOUN
fsr-4086	44	9	learning	learning	NOUN
fsr-4086	44	10	”	"	PUNCT
fsr-4086	44	11	where	where	SCONJ
fsr-4086	44	12	connections	connection	NOUN
fsr-4086	44	13	are	be	AUX
fsr-4086	44	14	formed	form	VERB
fsr-4086	44	15	from	from	ADP
fsr-4086	44	16	exposure	exposure	NOUN
fsr-4086	44	17	to	to	ADP
fsr-4086	44	18	new	new	ADJ
fsr-4086	44	19	content	content	NOUN
fsr-4086	44	20	,	,	PUNCT
fsr-4086	44	21	associations	association	NOUN
fsr-4086	44	22	,	,	PUNCT
fsr-4086	44	23	and	and	CCONJ
fsr-4086	44	24	learning	learn	VERB
fsr-4086	44	25	interactions	interaction	NOUN
fsr-4086	44	26	(	(	PUNCT
fsr-4086	44	27	downes	downe	NOUN
fsr-4086	44	28	,	,	PUNCT
fsr-4086	44	29	2008	2008	NUM
fsr-4086	44	30	;	;	PUNCT
fsr-4086	44	31	siemens	siemen	NOUN
fsr-4086	44	32	,	,	PUNCT
fsr-4086	44	33	2005	2005	NUM
fsr-4086	44	34	)	)	PUNCT
fsr-4086	44	35	.	.	PUNCT
fsr-4086	45	1	clt	clt	NOUN
fsr-4086	45	2	posits	posit	NOUN
fsr-4086	45	3	that	that	SCONJ
fsr-4086	45	4	learning	learn	VERB
fsr-4086	45	5	evolves	evolve	NOUN
fsr-4086	45	6	in	in	ADP
fsr-4086	45	7	a	a	DET
fsr-4086	45	8	similar	similar	ADJ
fsr-4086	45	9	way	way	NOUN
fsr-4086	45	10	to	to	ADP
fsr-4086	45	11	the	the	DET
fsr-4086	45	12	training	training	NOUN
fsr-4086	45	13	process	process	NOUN
fsr-4086	45	14	for	for	ADP
fsr-4086	45	15	machine	machine	NOUN
fsr-4086	45	16	learning	learning	NOUN
fsr-4086	45	17	,	,	PUNCT
fsr-4086	45	18	which	which	PRON
fsr-4086	45	19	develops	develop	VERB
fsr-4086	45	20	through	through	ADP
fsr-4086	45	21	a	a	DET
fsr-4086	45	22	tree	tree	NOUN
fsr-4086	45	23	-	-	PUNCT
fsr-4086	45	24	like	like	ADJ
fsr-4086	45	25	structure	structure	NOUN
fsr-4086	45	26	of	of	ADP
fsr-4086	45	27	pathways	pathway	NOUN
fsr-4086	45	28	(	(	PUNCT
fsr-4086	45	29	“	"	PUNCT
fsr-4086	45	30	if	if	SCONJ
fsr-4086	45	31	this	this	PRON
fsr-4086	45	32	,	,	PUNCT
fsr-4086	45	33	then	then	ADV
fsr-4086	45	34	that	that	SCONJ
fsr-4086	45	35	;	;	PUNCT
fsr-4086	45	36	if	if	SCONJ
fsr-4086	45	37	not	not	PART
fsr-4086	45	38	that	that	PRON
fsr-4086	45	39	,	,	PUNCT
fsr-4086	45	40	then	then	ADV
fsr-4086	45	41	this	this	DET
fsr-4086	45	42	”	"	PUNCT
fsr-4086	45	43	programmatic	programmatic	ADJ
fsr-4086	45	44	logic	logic	NOUN
fsr-4086	45	45	)	)	PUNCT
fsr-4086	45	46	using	use	VERB
fsr-4086	45	47	nodes	node	NOUN
fsr-4086	45	48	and	and	CCONJ
fsr-4086	45	49	connections	connection	NOUN
fsr-4086	45	50	(	(	PUNCT
fsr-4086	45	51	siemens	siemen	NOUN
fsr-4086	45	52	,	,	PUNCT
fsr-4086	45	53	2005	2005	NUM
fsr-4086	45	54	)	)	PUNCT
fsr-4086	45	55	.	.	PUNCT
fsr-4086	46	1	crucially	crucially	ADV
fsr-4086	46	2	,	,	PUNCT
fsr-4086	46	3	greater	great	ADJ
fsr-4086	46	4	exposure	exposure	NOUN
fsr-4086	46	5	to	to	ADP
fsr-4086	46	6	a	a	DET
fsr-4086	46	7	concept	concept	NOUN
fsr-4086	46	8	(	(	PUNCT
fsr-4086	46	9	such	such	ADJ
fsr-4086	46	10	as	as	ADP
fsr-4086	46	11	tvm	tvm	PROPN
fsr-4086	46	12	)	)	PUNCT
fsr-4086	46	13	helps	help	VERB
fsr-4086	46	14	build	build	VERB
fsr-4086	46	15	one	one	NUM
fsr-4086	46	16	’s	’s	PART
fsr-4086	46	17	learning	learn	VERB
fsr-4086	46	18	network	network	NOUN
fsr-4086	46	19	by	by	ADP
fsr-4086	46	20	creating	create	VERB
fsr-4086	46	21	new	new	ADJ
fsr-4086	46	22	nodes	node	NOUN
fsr-4086	46	23	that	that	PRON
fsr-4086	46	24	contain	contain	VERB
fsr-4086	46	25	new	new	ADJ
fsr-4086	46	26	information	information	NOUN
fsr-4086	46	27	,	,	PUNCT
fsr-4086	46	28	financial	financial	ADJ
fsr-4086	46	29	services	service	NOUN
fsr-4086	46	30	review	review	NOUN
fsr-4086	46	31	,	,	PUNCT
fsr-4086	46	32	33(4	33(4	NUM
fsr-4086	46	33	)	)	PUNCT
fsr-4086	46	34	64	64	NUM
fsr-4086	46	35	which	which	PRON
fsr-4086	46	36	in	in	ADP
fsr-4086	46	37	turn	turn	NOUN
fsr-4086	46	38	builds	build	VERB
fsr-4086	46	39	stability	stability	NOUN
fsr-4086	46	40	into	into	ADP
fsr-4086	46	41	the	the	DET
fsr-4086	46	42	knowledge	knowledge	NOUN
fsr-4086	46	43	structure	structure	NOUN
fsr-4086	46	44	(	(	PUNCT
fsr-4086	46	45	siemens	siemen	NOUN
fsr-4086	46	46	,	,	PUNCT
fsr-4086	46	47	2005	2005	NUM
fsr-4086	46	48	)	)	PUNCT
fsr-4086	46	49	.	.	PUNCT
fsr-4086	47	1	simplistically	simplistically	ADV
fsr-4086	47	2	speaking	speak	VERB
fsr-4086	47	3	,	,	PUNCT
fsr-4086	47	4	the	the	DET
fsr-4086	47	5	clt	clt	PROPN
fsr-4086	47	6	learning	learning	NOUN
fsr-4086	47	7	process	process	NOUN
fsr-4086	47	8	describes	describe	VERB
fsr-4086	47	9	the	the	DET
fsr-4086	47	10	progression	progression	NOUN
fsr-4086	47	11	of	of	ADP
fsr-4086	47	12	exposure	exposure	NOUN
fsr-4086	47	13	to	to	ADP
fsr-4086	47	14	new	new	ADJ
fsr-4086	47	15	concepts	concept	NOUN
fsr-4086	47	16	through	through	ADP
fsr-4086	47	17	trial	trial	NOUN
fsr-4086	47	18	and	and	CCONJ
fsr-4086	47	19	error	error	NOUN
fsr-4086	47	20	to	to	PART
fsr-4086	47	21	aid	aid	VERB
fsr-4086	47	22	in	in	ADP
fsr-4086	47	23	the	the	DET
fsr-4086	47	24	acquisition	acquisition	NOUN
fsr-4086	47	25	of	of	ADP
fsr-4086	47	26	knowledge	knowledge	NOUN
fsr-4086	47	27	.	.	PUNCT
fsr-4086	48	1	indeed	indeed	ADV
fsr-4086	48	2	,	,	PUNCT
fsr-4086	48	3	downes	downes	PROPN
fsr-4086	48	4	(	(	PUNCT
fsr-4086	48	5	2008	2008	NUM
fsr-4086	48	6	)	)	PUNCT
fsr-4086	48	7	uses	use	VERB
fsr-4086	48	8	the	the	DET
fsr-4086	48	9	term	term	NOUN
fsr-4086	48	10	“	"	PUNCT
fsr-4086	48	11	artificial	artificial	ADJ
fsr-4086	48	12	”	"	PUNCT
fsr-4086	48	13	–	–	PUNCT
fsr-4086	48	14	not	not	PART
fsr-4086	48	15	in	in	ADP
fsr-4086	48	16	the	the	DET
fsr-4086	48	17	same	same	ADJ
fsr-4086	48	18	usage	usage	NOUN
fsr-4086	48	19	as	as	ADP
fsr-4086	48	20	the	the	DET
fsr-4086	48	21	term	term	NOUN
fsr-4086	48	22	artificial	artificial	ADJ
fsr-4086	48	23	intelligence	intelligence	NOUN
fsr-4086	48	24	,	,	PUNCT
fsr-4086	48	25	per	per	X
fsr-4086	48	26	se	se	X
fsr-4086	48	27	–	–	PUNCT
fsr-4086	48	28	but	but	CCONJ
fsr-4086	48	29	to	to	PART
fsr-4086	48	30	explain	explain	VERB
fsr-4086	48	31	the	the	DET
fsr-4086	48	32	interpretive	interpretive	ADJ
fsr-4086	48	33	nature	nature	NOUN
fsr-4086	48	34	of	of	ADP
fsr-4086	48	35	learning	learn	VERB
fsr-4086	48	36	connections	connection	NOUN
fsr-4086	48	37	as	as	SCONJ
fsr-4086	48	38	filtered	filter	VERB
fsr-4086	48	39	through	through	ADP
fsr-4086	48	40	neurons	neuron	NOUN
fsr-4086	48	41	and	and	CCONJ
fsr-4086	48	42	neural	neural	ADJ
fsr-4086	48	43	clusters	cluster	NOUN
fsr-4086	48	44	.	.	PUNCT
fsr-4086	49	1	this	this	DET
fsr-4086	49	2	research	research	NOUN
fsr-4086	49	3	is	be	AUX
fsr-4086	49	4	dual	dual	ADJ
fsr-4086	49	5	-	-	PUNCT
fsr-4086	49	6	purpose	purpose	NOUN
fsr-4086	49	7	.	.	PUNCT
fsr-4086	50	1	first	first	ADV
fsr-4086	50	2	,	,	PUNCT
fsr-4086	50	3	this	this	DET
fsr-4086	50	4	study	study	NOUN
fsr-4086	50	5	applies	apply	VERB
fsr-4086	50	6	clt	clt	NOUN
fsr-4086	50	7	by	by	ADP
fsr-4086	50	8	investigating	investigate	VERB
fsr-4086	50	9	supplementary	supplementary	ADJ
fsr-4086	50	10	,	,	PUNCT
fsr-4086	50	11	interactive	interactive	ADJ
fsr-4086	50	12	learning	learning	NOUN
fsr-4086	50	13	experiences	experience	NOUN
fsr-4086	50	14	and	and	CCONJ
fsr-4086	50	15	opportunities	opportunity	NOUN
fsr-4086	50	16	for	for	ADP
fsr-4086	50	17	trial	trial	NOUN
fsr-4086	50	18	and	and	CCONJ
fsr-4086	50	19	error	error	NOUN
fsr-4086	50	20	(	(	PUNCT
fsr-4086	50	21	beyond	beyond	ADP
fsr-4086	50	22	lecture	lecture	NOUN
fsr-4086	50	23	and	and	CCONJ
fsr-4086	50	24	existing	exist	VERB
fsr-4086	50	25	course	course	NOUN
fsr-4086	50	26	content	content	NOUN
fsr-4086	50	27	)	)	PUNCT
fsr-4086	50	28	to	to	PART
fsr-4086	50	29	increase	increase	VERB
fsr-4086	50	30	student	student	NOUN
fsr-4086	50	31	learning	learning	NOUN
fsr-4086	50	32	of	of	ADP
fsr-4086	50	33	tvm	tvm	PROPN
fsr-4086	50	34	.	.	PUNCT
fsr-4086	51	1	stated	state	VERB
fsr-4086	51	2	differently	differently	ADV
fsr-4086	51	3	,	,	PUNCT
fsr-4086	51	4	does	do	VERB
fsr-4086	51	5	additional	additional	ADJ
fsr-4086	51	6	exposure	exposure	NOUN
fsr-4086	51	7	to	to	ADP
fsr-4086	51	8	tvm	tvm	PROPN
fsr-4086	51	9	content	content	NOUN
fsr-4086	51	10	help	help	VERB
fsr-4086	51	11	build	build	VERB
fsr-4086	51	12	a	a	DET
fsr-4086	51	13	more	more	ADV
fsr-4086	51	14	stable	stable	ADJ
fsr-4086	51	15	knowledge	knowledge	NOUN
fsr-4086	51	16	structure	structure	NOUN
fsr-4086	51	17	for	for	ADP
fsr-4086	51	18	students	student	NOUN
fsr-4086	51	19	–	–	PUNCT
fsr-4086	51	20	one	one	NOUN
fsr-4086	51	21	that	that	PRON
fsr-4086	51	22	leads	lead	VERB
fsr-4086	51	23	to	to	ADP
fsr-4086	51	24	better	well	ADJ
fsr-4086	51	25	assessment	assessment	NOUN
fsr-4086	51	26	results	result	NOUN
fsr-4086	51	27	?	?	PUNCT
fsr-4086	52	1	this	this	PRON
fsr-4086	52	2	underpins	underpin	VERB
fsr-4086	52	3	the	the	DET
fsr-4086	52	4	clt	clt	NOUN
fsr-4086	52	5	premises	premise	NOUN
fsr-4086	52	6	that	that	SCONJ
fsr-4086	52	7	“	"	PUNCT
fsr-4086	52	8	repetition	repetition	NOUN
fsr-4086	52	9	is	be	AUX
fsr-4086	52	10	an	an	DET
fsr-4086	52	11	excellent	excellent	ADJ
fsr-4086	52	12	way	way	NOUN
fsr-4086	52	13	of	of	ADP
fsr-4086	52	14	strengthening	strengthen	VERB
fsr-4086	52	15	connections	connection	NOUN
fsr-4086	52	16	”	"	PUNCT
fsr-4086	52	17	(	(	PUNCT
fsr-4086	52	18	i.e.	i.e.	X
fsr-4086	52	19	,	,	PUNCT
fsr-4086	52	20	creating	create	VERB
fsr-4086	52	21	nodes	node	NOUN
fsr-4086	52	22	)	)	PUNCT
fsr-4086	52	23	and	and	CCONJ
fsr-4086	52	24	engagement	engagement	NOUN
fsr-4086	52	25	with	with	ADP
fsr-4086	52	26	active	active	ADJ
fsr-4086	52	27	learning	learning	NOUN
fsr-4086	52	28	is	be	AUX
fsr-4086	52	29	a	a	DET
fsr-4086	52	30	positive	positive	ADJ
fsr-4086	52	31	development	development	NOUN
fsr-4086	52	32	in	in	ADP
fsr-4086	52	33	the	the	DET
fsr-4086	52	34	education	education	NOUN
fsr-4086	52	35	process	process	NOUN
fsr-4086	52	36	(	(	PUNCT
fsr-4086	52	37	siemens	siemen	NOUN
fsr-4086	52	38	,	,	PUNCT
fsr-4086	52	39	2005	2005	NUM
fsr-4086	52	40	)	)	PUNCT
fsr-4086	52	41	.	.	PUNCT
fsr-4086	53	1	second	second	ADV
fsr-4086	53	2	,	,	PUNCT
fsr-4086	53	3	this	this	DET
fsr-4086	53	4	study	study	NOUN
fsr-4086	53	5	tests	test	VERB
fsr-4086	53	6	the	the	DET
fsr-4086	53	7	efficacy	efficacy	NOUN
fsr-4086	53	8	of	of	ADP
fsr-4086	53	9	student	student	NOUN
fsr-4086	53	10	exposure	exposure	NOUN
fsr-4086	53	11	to	to	ADP
fsr-4086	53	12	different	different	ADJ
fsr-4086	53	13	technologies	technology	NOUN
fsr-4086	53	14	(	(	PUNCT
fsr-4086	53	15	financial	financial	ADJ
fsr-4086	53	16	calculator	calculator	NOUN
fsr-4086	53	17	and	and	CCONJ
fsr-4086	53	18	excel	excel	NOUN
fsr-4086	53	19	)	)	PUNCT
fsr-4086	53	20	to	to	PART
fsr-4086	53	21	aid	aid	VERB
fsr-4086	53	22	in	in	ADP
fsr-4086	53	23	the	the	DET
fsr-4086	53	24	learning	learning	NOUN
fsr-4086	53	25	of	of	ADP
fsr-4086	53	26	tvm	tvm	PROPN
fsr-4086	53	27	concepts	concept	NOUN
fsr-4086	53	28	.	.	PUNCT
fsr-4086	54	1	hypotheses	hypothesis	NOUN
fsr-4086	54	2	this	this	DET
fsr-4086	54	3	study	study	NOUN
fsr-4086	54	4	introduces	introduce	VERB
fsr-4086	54	5	three	three	NUM
fsr-4086	54	6	hypotheses	hypothesis	NOUN
fsr-4086	54	7	for	for	ADP
fsr-4086	54	8	testing	testing	NOUN
fsr-4086	54	9	:	:	PUNCT
fsr-4086	54	10	•	•	NUM
fsr-4086	54	11	hypothesis	hypothesis	NOUN
fsr-4086	54	12	1	1	NUM
fsr-4086	54	13	:	:	PUNCT
fsr-4086	54	14	students	student	NOUN
fsr-4086	54	15	who	who	PRON
fsr-4086	54	16	practice	practice	VERB
fsr-4086	54	17	tvm	tvm	NOUN
fsr-4086	54	18	questions	question	NOUN
fsr-4086	54	19	using	use	VERB
fsr-4086	54	20	excel	excel	NOUN
fsr-4086	54	21	will	will	AUX
fsr-4086	54	22	increase	increase	VERB
fsr-4086	54	23	the	the	DET
fsr-4086	54	24	number	number	NOUN
fsr-4086	54	25	of	of	ADP
fsr-4086	54	26	questions	question	NOUN
fsr-4086	54	27	answered	answer	VERB
fsr-4086	54	28	correctly	correctly	ADV
fsr-4086	54	29	in	in	ADP
fsr-4086	54	30	the	the	DET
fsr-4086	54	31	second	second	ADJ
fsr-4086	54	32	exam	exam	NOUN
fsr-4086	54	33	(	(	PUNCT
fsr-4086	54	34	e2	e2	PROPN
fsr-4086	54	35	)	)	PUNCT
fsr-4086	54	36	as	as	SCONJ
fsr-4086	54	37	compared	compare	VERB
fsr-4086	54	38	to	to	ADP
fsr-4086	54	39	the	the	DET
fsr-4086	54	40	baseline	baseline	PROPN
fsr-4086	54	41	exam	exam	NOUN
fsr-4086	54	42	(	(	PUNCT
fsr-4086	54	43	e1	e1	PROPN
fsr-4086	54	44	)	)	PUNCT
fsr-4086	54	45	.	.	PUNCT
fsr-4086	55	1	•	•	NUM
fsr-4086	55	2	hypothesis	hypothesis	NOUN
fsr-4086	55	3	2	2	NUM
fsr-4086	55	4	:	:	PUNCT
fsr-4086	55	5	students	student	NOUN
fsr-4086	55	6	who	who	PRON
fsr-4086	55	7	practice	practice	VERB
fsr-4086	55	8	tvm	tvm	NOUN
fsr-4086	55	9	questions	question	NOUN
fsr-4086	55	10	using	use	VERB
fsr-4086	55	11	a	a	DET
fsr-4086	55	12	financial	financial	ADJ
fsr-4086	55	13	calculator	calculator	NOUN
fsr-4086	55	14	will	will	AUX
fsr-4086	55	15	increase	increase	VERB
fsr-4086	55	16	the	the	DET
fsr-4086	55	17	number	number	NOUN
fsr-4086	55	18	of	of	ADP
fsr-4086	55	19	questions	question	NOUN
fsr-4086	55	20	answered	answer	VERB
fsr-4086	55	21	correctly	correctly	ADV
fsr-4086	55	22	in	in	ADP
fsr-4086	55	23	the	the	DET
fsr-4086	55	24	second	second	ADJ
fsr-4086	55	25	exam	exam	NOUN
fsr-4086	55	26	(	(	PUNCT
fsr-4086	55	27	e2	e2	PROPN
fsr-4086	55	28	)	)	PUNCT
fsr-4086	55	29	as	as	SCONJ
fsr-4086	55	30	compared	compare	VERB
fsr-4086	55	31	to	to	ADP
fsr-4086	55	32	the	the	DET
fsr-4086	55	33	baseline	baseline	PROPN
fsr-4086	55	34	exam	exam	NOUN
fsr-4086	55	35	(	(	PUNCT
fsr-4086	55	36	e1	e1	PROPN
fsr-4086	55	37	)	)	PUNCT
fsr-4086	55	38	.	.	PUNCT
fsr-4086	56	1	•	•	NUM
fsr-4086	56	2	hypothesis	hypothesis	NOUN
fsr-4086	56	3	3	3	NUM
fsr-4086	56	4	:	:	PUNCT
fsr-4086	56	5	students	student	NOUN
fsr-4086	56	6	who	who	PRON
fsr-4086	56	7	practice	practice	VERB
fsr-4086	56	8	tvm	tvm	NOUN
fsr-4086	56	9	questions	question	NOUN
fsr-4086	56	10	using	use	VERB
fsr-4086	56	11	excel	excel	NOUN
fsr-4086	56	12	and	and	CCONJ
fsr-4086	56	13	a	a	DET
fsr-4086	56	14	financial	financial	ADJ
fsr-4086	56	15	calculator	calculator	NOUN
fsr-4086	56	16	will	will	AUX
fsr-4086	56	17	outperform	outperform	VERB
fsr-4086	56	18	all	all	DET
fsr-4086	56	19	other	other	ADJ
fsr-4086	56	20	groups	group	NOUN
fsr-4086	56	21	in	in	ADP
fsr-4086	56	22	3	3	NUM
fsr-4086	56	23	this	this	DET
fsr-4086	56	24	quiz	quiz	NOUN
fsr-4086	56	25	tested	test	VERB
fsr-4086	56	26	tvm	tvm	PROPN
fsr-4086	56	27	as	as	ADV
fsr-4086	56	28	well	well	ADV
fsr-4086	56	29	as	as	ADP
fsr-4086	56	30	tax	tax	NOUN
fsr-4086	56	31	concepts	concept	NOUN
fsr-4086	56	32	covered	cover	VERB
fsr-4086	56	33	in	in	ADP
fsr-4086	56	34	the	the	DET
fsr-4086	56	35	course	course	NOUN
fsr-4086	56	36	.	.	PUNCT
fsr-4086	57	1	the	the	DET
fsr-4086	57	2	second	second	ADJ
fsr-4086	57	3	exam	exam	NOUN
fsr-4086	57	4	(	(	PUNCT
fsr-4086	57	5	e2	e2	PROPN
fsr-4086	57	6	)	)	PUNCT
fsr-4086	57	7	as	as	SCONJ
fsr-4086	57	8	compared	compare	VERB
fsr-4086	57	9	to	to	ADP
fsr-4086	57	10	the	the	DET
fsr-4086	57	11	baseline	baseline	PROPN
fsr-4086	57	12	exam	exam	NOUN
fsr-4086	57	13	(	(	PUNCT
fsr-4086	57	14	e1	e1	PROPN
fsr-4086	57	15	)	)	PUNCT
fsr-4086	57	16	.	.	PUNCT
fsr-4086	58	1	methodology	methodology	NOUN
fsr-4086	58	2	this	this	DET
fsr-4086	58	3	experimental	experimental	ADJ
fsr-4086	58	4	study	study	NOUN
fsr-4086	58	5	was	be	AUX
fsr-4086	58	6	administered	administer	VERB
fsr-4086	58	7	to	to	ADP
fsr-4086	58	8	students	student	NOUN
fsr-4086	58	9	enrolled	enrol	VERB
fsr-4086	58	10	in	in	ADP
fsr-4086	58	11	an	an	DET
fsr-4086	58	12	introductory	introductory	ADJ
fsr-4086	58	13	financial	financial	ADJ
fsr-4086	58	14	planning	planning	NOUN
fsr-4086	58	15	course	course	NOUN
fsr-4086	58	16	at	at	ADP
fsr-4086	58	17	a	a	DET
fsr-4086	58	18	midwestern	midwestern	ADJ
fsr-4086	58	19	university	university	NOUN
fsr-4086	58	20	during	during	ADP
fsr-4086	58	21	the	the	DET
fsr-4086	58	22	fall	fall	NOUN
fsr-4086	58	23	2023	2023	NUM
fsr-4086	58	24	semester	semester	NOUN
fsr-4086	58	25	.	.	PUNCT
fsr-4086	59	1	figure	figure	NOUN
fsr-4086	59	2	1	1	NUM
fsr-4086	59	3	provides	provide	VERB
fsr-4086	59	4	an	an	DET
fsr-4086	59	5	overview	overview	NOUN
fsr-4086	59	6	of	of	ADP
fsr-4086	59	7	the	the	DET
fsr-4086	59	8	research	research	NOUN
fsr-4086	59	9	design	design	NOUN
fsr-4086	59	10	.	.	PUNCT
fsr-4086	60	1	before	before	ADP
fsr-4086	60	2	interventions	intervention	NOUN
fsr-4086	60	3	from	from	ADP
fsr-4086	60	4	this	this	DET
fsr-4086	60	5	study	study	NOUN
fsr-4086	60	6	,	,	PUNCT
fsr-4086	60	7	students	student	NOUN
fsr-4086	60	8	were	be	AUX
fsr-4086	60	9	exposed	expose	VERB
fsr-4086	60	10	to	to	ADP
fsr-4086	60	11	a	a	DET
fsr-4086	60	12	tvm	tvm	PROPN
fsr-4086	60	13	lecture	lecture	NOUN
fsr-4086	60	14	on	on	ADP
fsr-4086	60	15	september	september	PROPN
fsr-4086	60	16	5	5	NUM
fsr-4086	60	17	and	and	CCONJ
fsr-4086	60	18	a	a	DET
fsr-4086	60	19	10	10	NUM
fsr-4086	60	20	-	-	PUNCT
fsr-4086	60	21	question	question	NOUN
fsr-4086	60	22	quiz	quiz	NOUN
fsr-4086	60	23	that	that	PRON
fsr-4086	60	24	included	include	VERB
fsr-4086	60	25	5	5	NUM
fsr-4086	60	26	tvm	tvm	PROPN
fsr-4086	60	27	questions	question	NOUN
fsr-4086	60	28	due	due	ADJ
fsr-4086	60	29	september	september	PROPN
fsr-4086	60	30	13	13	NUM
fsr-4086	60	31	in	in	ADP
fsr-4086	60	32	the	the	DET
fsr-4086	60	33	canvas	canvas	NOUN
fsr-4086	60	34	learning	learn	VERB
fsr-4086	60	35	management	management	NOUN
fsr-4086	60	36	system	system	NOUN
fsr-4086	60	37	(	(	PUNCT
fsr-4086	60	38	notated	notate	VERB
fsr-4086	60	39	as	as	ADP
fsr-4086	60	40	q1	q1	PROPN
fsr-4086	60	41	in	in	ADP
fsr-4086	60	42	figure	figure	NOUN
fsr-4086	60	43	1	1	NUM
fsr-4086	60	44	)	)	PUNCT
fsr-4086	60	45	.	.	PUNCT
fsr-4086	61	1	this	this	DET
fsr-4086	61	2	lecture	lecture	NOUN
fsr-4086	61	3	and	and	CCONJ
fsr-4086	61	4	quiz	quiz	NOUN
fsr-4086	61	5	constituted	constitute	VERB
fsr-4086	61	6	the	the	DET
fsr-4086	61	7	previously	previously	ADV
fsr-4086	61	8	built	build	VERB
fsr-4086	61	9	-	-	PUNCT
fsr-4086	61	10	in	in	ADP
fsr-4086	61	11	exposures	exposure	NOUN
fsr-4086	61	12	to	to	ADP
fsr-4086	61	13	tvm	tvm	PROPN
fsr-4086	61	14	concepts	concept	NOUN
fsr-4086	61	15	for	for	ADP
fsr-4086	61	16	this	this	DET
fsr-4086	61	17	course	course	NOUN
fsr-4086	61	18	,	,	PUNCT
fsr-4086	61	19	in	in	ADP
fsr-4086	61	20	addition	addition	NOUN
fsr-4086	61	21	to	to	ADP
fsr-4086	61	22	recorded	record	VERB
fsr-4086	61	23	tvm	tvm	PROPN
fsr-4086	61	24	financial	financial	ADJ
fsr-4086	61	25	calculator	calculator	NOUN
fsr-4086	61	26	videos	video	NOUN
fsr-4086	61	27	housed	house	VERB
fsr-4086	61	28	in	in	ADP
fsr-4086	61	29	canvas	canvas	NOUN
fsr-4086	61	30	.	.	PUNCT
fsr-4086	62	1	the	the	DET
fsr-4086	62	2	lecture	lecture	NOUN
fsr-4086	62	3	was	be	AUX
fsr-4086	62	4	a	a	DET
fsr-4086	62	5	live	live	ADJ
fsr-4086	62	6	demonstration	demonstration	NOUN
fsr-4086	62	7	of	of	ADP
fsr-4086	62	8	working	work	VERB
fsr-4086	62	9	through	through	ADP
fsr-4086	62	10	tvm	tvm	PROPN
fsr-4086	62	11	problems	problem	NOUN
fsr-4086	62	12	with	with	ADP
fsr-4086	62	13	the	the	DET
fsr-4086	62	14	calculator	calculator	NOUN
fsr-4086	62	15	shown	show	VERB
fsr-4086	62	16	on	on	ADP
fsr-4086	62	17	the	the	DET
fsr-4086	62	18	screen	screen	NOUN
fsr-4086	62	19	.	.	PUNCT
fsr-4086	63	1	after	after	ADP
fsr-4086	63	2	the	the	DET
fsr-4086	63	3	typical	typical	ADJ
fsr-4086	63	4	teacher	teacher	NOUN
fsr-4086	63	5	-	-	PUNCT
fsr-4086	63	6	student	student	NOUN
fsr-4086	63	7	interaction	interaction	NOUN
fsr-4086	63	8	and	and	CCONJ
fsr-4086	63	9	quiz	quiz	NOUN
fsr-4086	63	10	,	,	PUNCT
fsr-4086	63	11	students	student	NOUN
fsr-4086	63	12	took	take	VERB
fsr-4086	63	13	a	a	DET
fsr-4086	63	14	longer	long	ADJ
fsr-4086	63	15	exam	exam	NOUN
fsr-4086	63	16	(	(	PUNCT
fsr-4086	63	17	exam	exam	NOUN
fsr-4086	63	18	1	1	NUM
fsr-4086	63	19	)	)	PUNCT
fsr-4086	63	20	on	on	ADP
fsr-4086	63	21	september	september	PROPN
fsr-4086	63	22	14	14	NUM
fsr-4086	63	23	that	that	PRON
fsr-4086	63	24	contained	contain	VERB
fsr-4086	63	25	10	10	NUM
fsr-4086	63	26	tvm	tvm	PROPN
fsr-4086	63	27	questions	question	NOUN
fsr-4086	63	28	(	(	PUNCT
fsr-4086	63	29	see	see	VERB
fsr-4086	63	30	appendix	appendix	VERB
fsr-4086	63	31	a	a	PRON
fsr-4086	63	32	for	for	ADP
fsr-4086	63	33	the	the	DET
fsr-4086	63	34	questions	question	NOUN
fsr-4086	63	35	contained	contain	VERB
fsr-4086	63	36	in	in	ADP
fsr-4086	63	37	the	the	DET
fsr-4086	63	38	first	first	ADJ
fsr-4086	63	39	exam)3	exam)3	NOUN
fsr-4086	63	40	.	.	PUNCT
fsr-4086	64	1	this	this	DET
fsr-4086	64	2	first	first	ADJ
fsr-4086	64	3	exam	exam	NOUN
fsr-4086	64	4	in	in	ADP
fsr-4086	64	5	the	the	DET
fsr-4086	64	6	experimental	experimental	ADJ
fsr-4086	64	7	sequence	sequence	NOUN
fsr-4086	64	8	–	–	PUNCT
fsr-4086	64	9	notated	notate	VERB
fsr-4086	64	10	as	as	ADP
fsr-4086	64	11	e1	e1	NOUN
fsr-4086	64	12	in	in	ADP
fsr-4086	64	13	figure	figure	NOUN
fsr-4086	64	14	1	1	NUM
fsr-4086	64	15	–	–	PUNCT
fsr-4086	64	16	was	be	AUX
fsr-4086	64	17	the	the	DET
fsr-4086	64	18	baseline	baseline	ADJ
fsr-4086	64	19	knowledge	knowledge	NOUN
fsr-4086	64	20	assessment	assessment	NOUN
fsr-4086	64	21	for	for	ADP
fsr-4086	64	22	this	this	DET
fsr-4086	64	23	study	study	NOUN
fsr-4086	64	24	in	in	ADP
fsr-4086	64	25	lieu	lieu	NOUN
fsr-4086	64	26	of	of	ADP
fsr-4086	64	27	a	a	DET
fsr-4086	64	28	control	control	NOUN
fsr-4086	64	29	group	group	NOUN
fsr-4086	64	30	.	.	PUNCT
fsr-4086	65	1	afterward	afterward	ADV
fsr-4086	65	2	,	,	PUNCT
fsr-4086	65	3	three	three	NUM
fsr-4086	65	4	tvm	tvm	ADJ
fsr-4086	65	5	educational	educational	ADJ
fsr-4086	65	6	interventions	intervention	NOUN
fsr-4086	65	7	were	be	AUX
fsr-4086	65	8	randomly	randomly	ADV
fsr-4086	65	9	assigned	assign	VERB
fsr-4086	65	10	to	to	ADP
fsr-4086	65	11	students	student	NOUN
fsr-4086	65	12	enrolled	enrol	VERB
fsr-4086	65	13	in	in	ADP
fsr-4086	65	14	the	the	DET
fsr-4086	65	15	class	class	NOUN
fsr-4086	65	16	using	use	VERB
fsr-4086	65	17	qualtrics	qualtric	NOUN
fsr-4086	65	18	between	between	ADP
fsr-4086	65	19	october	october	PROPN
fsr-4086	65	20	16	16	NUM
fsr-4086	65	21	and	and	CCONJ
fsr-4086	65	22	october	october	PROPN
fsr-4086	65	23	26	26	NUM
fsr-4086	65	24	.	.	PUNCT
fsr-4086	66	1	the	the	DET
fsr-4086	66	2	three	three	NUM
fsr-4086	66	3	treatment	treatment	NOUN
fsr-4086	66	4	groups	group	NOUN
fsr-4086	66	5	are	be	AUX
fsr-4086	66	6	notated	notate	VERB
fsr-4086	66	7	as	as	ADP
fsr-4086	66	8	treatment	treatment	NOUN
fsr-4086	66	9	groups	group	NOUN
fsr-4086	66	10	a	a	DET
fsr-4086	66	11	,	,	PUNCT
fsr-4086	66	12	b	b	NOUN
fsr-4086	66	13	,	,	PUNCT
fsr-4086	66	14	and	and	CCONJ
fsr-4086	66	15	c	c	X
fsr-4086	66	16	in	in	ADP
fsr-4086	66	17	figure	figure	NOUN
fsr-4086	66	18	1	1	NUM
fsr-4086	66	19	.	.	PUNCT
fsr-4086	67	1	treatments	treatment	NOUN
fsr-4086	67	2	were	be	AUX
fsr-4086	67	3	administered	administer	VERB
fsr-4086	67	4	to	to	ADP
fsr-4086	67	5	students	student	NOUN
fsr-4086	67	6	after	after	ADP
fsr-4086	67	7	voluntary	voluntary	ADJ
fsr-4086	67	8	enrollment	enrollment	NOUN
fsr-4086	67	9	in	in	ADP
fsr-4086	67	10	the	the	DET
fsr-4086	67	11	experiment	experiment	NOUN
fsr-4086	67	12	and	and	CCONJ
fsr-4086	67	13	the	the	DET
fsr-4086	67	14	signing	signing	NOUN
fsr-4086	67	15	of	of	ADP
fsr-4086	67	16	an	an	DET
fsr-4086	67	17	informed	informed	ADJ
fsr-4086	67	18	consent	consent	NOUN
fsr-4086	67	19	form	form	NOUN
fsr-4086	67	20	(	(	PUNCT
fsr-4086	67	21	see	see	VERB
fsr-4086	67	22	ic	ic	PROPN
fsr-4086	67	23	box	box	PROPN
fsr-4086	67	24	in	in	ADP
fsr-4086	67	25	figure	figure	NOUN
fsr-4086	67	26	1	1	NUM
fsr-4086	67	27	)	)	PUNCT
fsr-4086	67	28	.	.	PUNCT
fsr-4086	68	1	the	the	DET
fsr-4086	68	2	three	three	NUM
fsr-4086	68	3	educational	educational	ADJ
fsr-4086	68	4	interventions	intervention	NOUN
fsr-4086	68	5	assigned	assign	VERB
fsr-4086	68	6	to	to	ADP
fsr-4086	68	7	the	the	DET
fsr-4086	68	8	respective	respective	ADJ
fsr-4086	68	9	groups	group	NOUN
fsr-4086	68	10	were	be	AUX
fsr-4086	68	11	:	:	PUNCT
fsr-4086	68	12	1	1	X
fsr-4086	68	13	.	.	X
fsr-4086	68	14	group	group	PROPN
fsr-4086	68	15	a	a	PRON
fsr-4086	68	16	:	:	PUNCT
fsr-4086	68	17	one	one	NUM
fsr-4086	68	18	28	28	NUM
fsr-4086	68	19	-	-	PUNCT
fsr-4086	68	20	minute	minute	NOUN
fsr-4086	68	21	video	video	NOUN
fsr-4086	68	22	explaining	explain	VERB
fsr-4086	68	23	how	how	SCONJ
fsr-4086	68	24	to	to	PART
fsr-4086	68	25	complete	complete	VERB
fsr-4086	68	26	various	various	ADJ
fsr-4086	68	27	tvm	tvm	PROPN
fsr-4086	68	28	questions	question	NOUN
fsr-4086	68	29	using	use	VERB
fsr-4086	68	30	excel	excel	NOUN
fsr-4086	68	31	.	.	PUNCT
fsr-4086	69	1	the	the	DET
fsr-4086	69	2	video	video	NOUN
fsr-4086	69	3	was	be	AUX
fsr-4086	69	4	recorded	record	VERB
fsr-4086	69	5	using	use	VERB
fsr-4086	69	6	the	the	DET
fsr-4086	69	7	screen	screen	NOUN
fsr-4086	69	8	-	-	PUNCT
fsr-4086	69	9	sharing	share	VERB
fsr-4086	69	10	feature	feature	NOUN
fsr-4086	69	11	in	in	ADP
fsr-4086	69	12	zoom	zoom	NOUN
fsr-4086	69	13	.	.	PUNCT
fsr-4086	70	1	the	the	DET
fsr-4086	70	2	video	video	NOUN
fsr-4086	70	3	’s	’s	PART
fsr-4086	70	4	content	content	NOUN
fsr-4086	70	5	starts	start	VERB
fsr-4086	70	6	with	with	ADP
fsr-4086	70	7	one	one	NUM
fsr-4086	70	8	of	of	ADP
fsr-4086	70	9	the	the	DET
fsr-4086	70	10	authors	author	NOUN
fsr-4086	70	11	(	(	PUNCT
fsr-4086	70	12	anderson	anderson	PROPN
fsr-4086	70	13	)	)	PUNCT
fsr-4086	70	14	introducing	introduce	VERB
fsr-4086	70	15	himself	himself	PRON
fsr-4086	70	16	at	at	ADP
fsr-4086	70	17	the	the	DET
fsr-4086	70	18	beginning	beginning	NOUN
fsr-4086	70	19	of	of	ADP
fsr-4086	70	20	the	the	DET
fsr-4086	70	21	video	video	NOUN
fsr-4086	70	22	and	and	CCONJ
fsr-4086	70	23	then	then	ADV
fsr-4086	70	24	proceeding	proceed	VERB
fsr-4086	70	25	to	to	PART
fsr-4086	70	26	share	share	VERB
fsr-4086	70	27	his	his	PRON
fsr-4086	70	28	screen	screen	NOUN
fsr-4086	70	29	to	to	PART
fsr-4086	70	30	display	display	VERB
fsr-4086	70	31	the	the	DET
fsr-4086	70	32	10	10	NUM
fsr-4086	70	33	tvm	tvm	PROPN
fsr-4086	70	34	anderson	anderson	PROPN
fsr-4086	70	35	&	&	CCONJ
fsr-4086	70	36	gray	gray	ADJ
fsr-4086	70	37	65	65	NUM
fsr-4086	70	38	questions	question	NOUN
fsr-4086	70	39	in	in	ADP
fsr-4086	70	40	a	a	DET
fsr-4086	70	41	word	word	NOUN
fsr-4086	70	42	document	document	NOUN
fsr-4086	70	43	,	,	PUNCT
fsr-4086	70	44	complete	complete	ADJ
fsr-4086	70	45	with	with	ADP
fsr-4086	70	46	the	the	DET
fsr-4086	70	47	answers	answer	NOUN
fsr-4086	70	48	to	to	ADP
fsr-4086	70	49	each	each	DET
fsr-4086	70	50	question	question	NOUN
fsr-4086	70	51	shown	show	VERB
fsr-4086	70	52	at	at	ADP
fsr-4086	70	53	the	the	DET
fsr-4086	70	54	end	end	NOUN
fsr-4086	70	55	of	of	ADP
fsr-4086	70	56	the	the	DET
fsr-4086	70	57	page	page	NOUN
fsr-4086	70	58	.	.	PUNCT
fsr-4086	71	1	after	after	SCONJ
fsr-4086	71	2	these	these	DET
fsr-4086	71	3	questions	question	NOUN
fsr-4086	71	4	were	be	AUX
fsr-4086	71	5	introduced	introduce	VERB
fsr-4086	71	6	,	,	PUNCT
fsr-4086	71	7	anderson	anderson	PROPN
fsr-4086	71	8	proceeded	proceed	VERB
fsr-4086	71	9	to	to	PART
fsr-4086	71	10	share	share	VERB
fsr-4086	71	11	an	an	DET
fsr-4086	71	12	excel	excel	NOUN
fsr-4086	71	13	workbook	workbook	NOUN
fsr-4086	71	14	on	on	ADP
fsr-4086	71	15	the	the	DET
fsr-4086	71	16	main	main	ADJ
fsr-4086	71	17	screen	screen	NOUN
fsr-4086	71	18	.	.	PUNCT
fsr-4086	72	1	the	the	DET
fsr-4086	72	2	excel	excel	NOUN
fsr-4086	72	3	workbook	workbook	NOUN
fsr-4086	72	4	was	be	AUX
fsr-4086	72	5	set	set	VERB
fsr-4086	72	6	up	up	ADP
fsr-4086	72	7	with	with	ADP
fsr-4086	72	8	10	10	NUM
fsr-4086	72	9	worksheets	worksheet	NOUN
fsr-4086	72	10	(	(	PUNCT
fsr-4086	72	11	one	one	NUM
fsr-4086	72	12	for	for	ADP
fsr-4086	72	13	each	each	DET
fsr-4086	72	14	question	question	NOUN
fsr-4086	72	15	)	)	PUNCT
fsr-4086	72	16	,	,	PUNCT
fsr-4086	72	17	with	with	ADP
fsr-4086	72	18	a	a	DET
fsr-4086	72	19	prebuilt	prebuilt	ADJ
fsr-4086	72	20	area	area	NOUN
fsr-4086	72	21	containing	contain	VERB
fsr-4086	72	22	the	the	DET
fsr-4086	72	23	tvm	tvm	PROPN
fsr-4086	72	24	variables	variable	NOUN
fsr-4086	72	25	:	:	PUNCT
fsr-4086	72	26	n	n	CCONJ
fsr-4086	72	27	for	for	ADP
fsr-4086	72	28	number	number	NOUN
fsr-4086	72	29	of	of	ADP
fsr-4086	72	30	periods	period	NOUN
fsr-4086	72	31	,	,	PUNCT
fsr-4086	72	32	pv	pv	VERB
fsr-4086	72	33	for	for	ADP
fsr-4086	72	34	present	present	ADJ
fsr-4086	72	35	value	value	NOUN
fsr-4086	72	36	,	,	PUNCT
fsr-4086	72	37	fv	fv	X
fsr-4086	72	38	for	for	ADP
fsr-4086	72	39	future	future	ADJ
fsr-4086	72	40	value	value	NOUN
fsr-4086	72	41	,	,	PUNCT
fsr-4086	72	42	i	i	PRON
fsr-4086	72	43	for	for	ADP
fsr-4086	72	44	interest	interest	NOUN
fsr-4086	72	45	rate	rate	NOUN
fsr-4086	72	46	,	,	PUNCT
fsr-4086	72	47	and	and	CCONJ
fsr-4086	72	48	pmt	pmt	PROPN
fsr-4086	72	49	for	for	ADP
fsr-4086	72	50	payment	payment	NOUN
fsr-4086	72	51	.	.	PUNCT
fsr-4086	73	1	the	the	DET
fsr-4086	73	2	final	final	ADJ
fsr-4086	73	3	,	,	PUNCT
fsr-4086	73	4	eleventh	eleventh	ADJ
fsr-4086	73	5	sheet	sheet	NOUN
fsr-4086	73	6	displayed	display	VERB
fsr-4086	73	7	the	the	DET
fsr-4086	73	8	answers	answer	NOUN
fsr-4086	73	9	and	and	CCONJ
fsr-4086	73	10	relevant	relevant	ADJ
fsr-4086	73	11	formulas	formula	NOUN
fsr-4086	73	12	for	for	ADP
fsr-4086	73	13	each	each	DET
fsr-4086	73	14	question	question	NOUN
fsr-4086	73	15	.	.	PUNCT
fsr-4086	74	1	anderson	anderson	PROPN
fsr-4086	74	2	then	then	ADV
fsr-4086	74	3	worked	work	VERB
fsr-4086	74	4	through	through	ADP
fsr-4086	74	5	each	each	DET
fsr-4086	74	6	worksheet	worksheet	NOUN
fsr-4086	74	7	by	by	ADP
fsr-4086	74	8	first	first	ADV
fsr-4086	74	9	reading	read	VERB
fsr-4086	74	10	a	a	DET
fsr-4086	74	11	question	question	NOUN
fsr-4086	74	12	from	from	ADP
fsr-4086	74	13	the	the	DET
fsr-4086	74	14	list	list	NOUN
fsr-4086	74	15	of	of	ADP
fsr-4086	74	16	10	10	NUM
fsr-4086	74	17	questions	question	NOUN
fsr-4086	74	18	,	,	PUNCT
fsr-4086	74	19	inputting	inputte	VERB
fsr-4086	74	20	the	the	DET
fsr-4086	74	21	variables	variable	NOUN
fsr-4086	74	22	corresponding	correspond	VERB
fsr-4086	74	23	to	to	ADP
fsr-4086	74	24	n	n	CCONJ
fsr-4086	74	25	,	,	PUNCT
fsr-4086	74	26	pv	pv	INTJ
fsr-4086	74	27	,	,	PUNCT
fsr-4086	74	28	fv	fv	X
fsr-4086	74	29	,	,	PUNCT
fsr-4086	74	30	i	i	PRON
fsr-4086	74	31	,	,	PUNCT
fsr-4086	74	32	and	and	CCONJ
fsr-4086	74	33	pmt	pmt	PROPN
fsr-4086	74	34	in	in	ADP
fsr-4086	74	35	the	the	DET
fsr-4086	74	36	prebuilt	prebuilt	NOUN
fsr-4086	74	37	area	area	NOUN
fsr-4086	74	38	,	,	PUNCT
fsr-4086	74	39	filling	fill	VERB
fsr-4086	74	40	in	in	ADP
fsr-4086	74	41	the	the	DET
fsr-4086	74	42	necessary	necessary	ADJ
fsr-4086	74	43	calculations	calculation	NOUN
fsr-4086	74	44	to	to	PART
fsr-4086	74	45	uncover	uncover	VERB
fsr-4086	74	46	the	the	DET
fsr-4086	74	47	correct	correct	ADJ
fsr-4086	74	48	answer	answer	NOUN
fsr-4086	74	49	,	,	PUNCT
fsr-4086	74	50	and	and	CCONJ
fsr-4086	74	51	checking	check	VERB
fsr-4086	74	52	the	the	DET
fsr-4086	74	53	answer	answer	NOUN
fsr-4086	74	54	against	against	ADP
fsr-4086	74	55	the	the	DET
fsr-4086	74	56	answer	answer	NOUN
fsr-4086	74	57	worksheet	worksheet	NOUN
fsr-4086	74	58	.	.	PUNCT
fsr-4086	75	1	the	the	DET
fsr-4086	75	2	full	full	ADJ
fsr-4086	75	3	intervention	intervention	NOUN
fsr-4086	75	4	can	can	AUX
fsr-4086	75	5	be	be	AUX
fsr-4086	75	6	viewed	view	VERB
fsr-4086	75	7	on	on	ADP
fsr-4086	75	8	youtube	youtube	NOUN
fsr-4086	75	9	at	at	ADP
fsr-4086	75	10	the	the	DET
fsr-4086	75	11	following	follow	VERB
fsr-4086	75	12	link	link	NOUN
fsr-4086	75	13	:	:	PUNCT
fsr-4086	75	14	https://www.youtube.com/watch?v=zjcvf	https://www.youtube.com/watch?v=zjcvf	NOUN
fsr-4086	75	15	6yqw6i	6yqw6i	NUM
fsr-4086	75	16	.	.	PUNCT
fsr-4086	76	1	as	as	ADP
fsr-4086	76	2	a	a	DET
fsr-4086	76	3	part	part	NOUN
fsr-4086	76	4	of	of	ADP
fsr-4086	76	5	the	the	DET
fsr-4086	76	6	intervention	intervention	NOUN
fsr-4086	76	7	,	,	PUNCT
fsr-4086	76	8	students	student	NOUN
fsr-4086	76	9	were	be	AUX
fsr-4086	76	10	encouraged	encourage	VERB
fsr-4086	76	11	not	not	PART
fsr-4086	76	12	only	only	ADV
fsr-4086	76	13	to	to	PART
fsr-4086	76	14	watch	watch	VERB
fsr-4086	76	15	the	the	DET
fsr-4086	76	16	video	video	NOUN
fsr-4086	76	17	but	but	CCONJ
fsr-4086	76	18	also	also	ADV
fsr-4086	76	19	to	to	PART
fsr-4086	76	20	complete	complete	VERB
fsr-4086	76	21	the	the	DET
fsr-4086	76	22	questions	question	NOUN
fsr-4086	76	23	on	on	ADP
fsr-4086	76	24	their	their	PRON
fsr-4086	76	25	own	own	ADJ
fsr-4086	76	26	using	use	VERB
fsr-4086	76	27	excel	excel	NOUN
fsr-4086	76	28	.	.	PUNCT
fsr-4086	77	1	2	2	X
fsr-4086	77	2	.	.	X
fsr-4086	77	3	group	group	PROPN
fsr-4086	77	4	b	b	NOUN
fsr-4086	77	5	:	:	PUNCT
fsr-4086	77	6	one	one	NUM
fsr-4086	77	7	28	28	NUM
fsr-4086	77	8	-	-	PUNCT
fsr-4086	77	9	minute	minute	NOUN
fsr-4086	77	10	video	video	NOUN
fsr-4086	77	11	explaining	explain	VERB
fsr-4086	77	12	how	how	SCONJ
fsr-4086	77	13	to	to	PART
fsr-4086	77	14	complete	complete	VERB
fsr-4086	77	15	various	various	ADJ
fsr-4086	77	16	tvm	tvm	PROPN
fsr-4086	77	17	questions	question	NOUN
fsr-4086	77	18	using	use	VERB
fsr-4086	77	19	a	a	DET
fsr-4086	77	20	financial	financial	ADJ
fsr-4086	77	21	calculator	calculator	NOUN
fsr-4086	77	22	(	(	PUNCT
fsr-4086	77	23	specifically	specifically	ADV
fsr-4086	77	24	,	,	PUNCT
fsr-4086	77	25	the	the	DET
fsr-4086	77	26	texas	texas	PROPN
fsr-4086	77	27	instruments	instruments	PROPN
fsr-4086	77	28	ba	ba	PROPN
fsr-4086	77	29	ii	ii	PROPN
fsr-4086	77	30	plus	plus	CCONJ
fsr-4086	77	31	)	)	PUNCT
fsr-4086	77	32	.	.	PUNCT
fsr-4086	78	1	like	like	ADP
fsr-4086	78	2	the	the	DET
fsr-4086	78	3	excel	excel	NOUN
fsr-4086	78	4	intervention	intervention	NOUN
fsr-4086	78	5	,	,	PUNCT
fsr-4086	78	6	the	the	DET
fsr-4086	78	7	video	video	NOUN
fsr-4086	78	8	was	be	AUX
fsr-4086	78	9	recorded	record	VERB
fsr-4086	78	10	using	use	VERB
fsr-4086	78	11	the	the	DET
fsr-4086	78	12	screen	screen	NOUN
fsr-4086	78	13	-	-	PUNCT
fsr-4086	78	14	sharing	share	VERB
fsr-4086	78	15	feature	feature	NOUN
fsr-4086	78	16	in	in	ADP
fsr-4086	78	17	zoom	zoom	NOUN
fsr-4086	78	18	.	.	PUNCT
fsr-4086	79	1	the	the	DET
fsr-4086	79	2	video	video	NOUN
fsr-4086	79	3	’s	’s	PART
fsr-4086	79	4	content	content	NOUN
fsr-4086	79	5	starts	start	VERB
fsr-4086	79	6	with	with	ADP
fsr-4086	79	7	anderson	anderson	PROPN
fsr-4086	79	8	introducing	introduce	VERB
fsr-4086	79	9	himself	himself	PRON
fsr-4086	79	10	with	with	ADP
fsr-4086	79	11	a	a	DET
fsr-4086	79	12	digital	digital	ADJ
fsr-4086	79	13	version	version	NOUN
fsr-4086	79	14	of	of	ADP
fsr-4086	79	15	the	the	DET
fsr-4086	79	16	ba	ba	PROPN
fsr-4086	79	17	ii	ii	PROPN
fsr-4086	79	18	plus	plus	CCONJ
fsr-4086	79	19	projected	project	VERB
fsr-4086	79	20	to	to	ADP
fsr-4086	79	21	the	the	DET
fsr-4086	79	22	main	main	ADJ
fsr-4086	79	23	screen	screen	NOUN
fsr-4086	79	24	before	before	ADP
fsr-4086	79	25	sharing	share	VERB
fsr-4086	79	26	the	the	DET
fsr-4086	79	27	word	word	NOUN
fsr-4086	79	28	document	document	NOUN
fsr-4086	79	29	with	with	ADP
fsr-4086	79	30	the	the	DET
fsr-4086	79	31	10	10	NUM
fsr-4086	79	32	tvm	tvm	PROPN
fsr-4086	79	33	questions	question	NOUN
fsr-4086	79	34	and	and	CCONJ
fsr-4086	79	35	answers	answer	NOUN
fsr-4086	79	36	.	.	PUNCT
fsr-4086	80	1	anderson	anderson	PROPN
fsr-4086	80	2	then	then	ADV
fsr-4086	80	3	re	re	VERB
fsr-4086	80	4	-	-	VERB
fsr-4086	80	5	shared	share	VERB
fsr-4086	80	6	the	the	DET
fsr-4086	80	7	calculator	calculator	NOUN
fsr-4086	80	8	on	on	ADP
fsr-4086	80	9	the	the	DET
fsr-4086	80	10	main	main	ADJ
fsr-4086	80	11	screen	screen	NOUN
fsr-4086	80	12	and	and	CCONJ
fsr-4086	80	13	explained	explain	VERB
fsr-4086	80	14	the	the	DET
fsr-4086	80	15	relevant	relevant	ADJ
fsr-4086	80	16	keys	key	NOUN
fsr-4086	80	17	present	present	ADJ
fsr-4086	80	18	on	on	ADP
fsr-4086	80	19	the	the	DET
fsr-4086	80	20	calculator	calculator	NOUN
fsr-4086	80	21	,	,	PUNCT
fsr-4086	80	22	including	include	VERB
fsr-4086	80	23	buttons	button	NOUN
fsr-4086	80	24	to	to	PART
fsr-4086	80	25	enter	enter	VERB
fsr-4086	80	26	tvm	tvm	PROPN
fsr-4086	80	27	variables	variable	NOUN
fsr-4086	80	28	,	,	PUNCT
fsr-4086	80	29	clear	clear	ADJ
fsr-4086	80	30	work	work	NOUN
fsr-4086	80	31	,	,	PUNCT
fsr-4086	80	32	change	change	NOUN
fsr-4086	80	33	from	from	ADP
fsr-4086	80	34	beg	beg	NOUN
fsr-4086	80	35	and	and	CCONJ
fsr-4086	80	36	end	end	VERB
fsr-4086	80	37	mode	mode	NOUN
fsr-4086	80	38	,	,	PUNCT
fsr-4086	80	39	and	and	CCONJ
fsr-4086	80	40	make	make	VERB
fsr-4086	80	41	a	a	DET
fsr-4086	80	42	number	number	NOUN
fsr-4086	80	43	negative	negative	ADJ
fsr-4086	80	44	.	.	PUNCT
fsr-4086	81	1	anderson	anderson	PROPN
fsr-4086	81	2	proceeded	proceed	VERB
fsr-4086	81	3	to	to	PART
fsr-4086	81	4	read	read	VERB
fsr-4086	81	5	each	each	DET
fsr-4086	81	6	tvm	tvm	NOUN
fsr-4086	81	7	question	question	NOUN
fsr-4086	81	8	and	and	CCONJ
fsr-4086	81	9	input	input	VERB
fsr-4086	81	10	the	the	DET
fsr-4086	81	11	appropriate	appropriate	ADJ
fsr-4086	81	12	variables	variable	NOUN
fsr-4086	81	13	into	into	ADP
fsr-4086	81	14	the	the	DET
fsr-4086	81	15	ba	ba	PROPN
fsr-4086	81	16	ii	ii	PROPN
fsr-4086	81	17	plus	plus	CCONJ
fsr-4086	81	18	to	to	PART
fsr-4086	81	19	achieve	achieve	VERB
fsr-4086	81	20	the	the	DET
fsr-4086	81	21	correct	correct	ADJ
fsr-4086	81	22	answer	answer	NOUN
fsr-4086	81	23	.	.	PUNCT
fsr-4086	82	1	the	the	DET
fsr-4086	82	2	full	full	ADJ
fsr-4086	82	3	4	4	NUM
fsr-4086	82	4	this	this	DET
fsr-4086	82	5	exam	exam	NOUN
fsr-4086	82	6	tested	test	VERB
fsr-4086	82	7	tvm	tvm	PROPN
fsr-4086	82	8	as	as	ADV
fsr-4086	82	9	well	well	ADV
fsr-4086	82	10	as	as	ADP
fsr-4086	82	11	insurance	insurance	NOUN
fsr-4086	82	12	concepts	concept	NOUN
fsr-4086	82	13	covered	cover	VERB
fsr-4086	82	14	in	in	ADP
fsr-4086	82	15	the	the	DET
fsr-4086	82	16	course	course	NOUN
fsr-4086	82	17	.	.	PUNCT
fsr-4086	83	1	intervention	intervention	NOUN
fsr-4086	83	2	can	can	AUX
fsr-4086	83	3	be	be	AUX
fsr-4086	83	4	viewed	view	VERB
fsr-4086	83	5	on	on	ADP
fsr-4086	83	6	youtube	youtube	NOUN
fsr-4086	83	7	at	at	ADP
fsr-4086	83	8	the	the	DET
fsr-4086	83	9	following	follow	VERB
fsr-4086	83	10	link	link	NOUN
fsr-4086	83	11	:	:	PUNCT
fsr-4086	83	12	https://www.youtube.com/watch?v=mqhkbefeko	https://www.youtube.com/watch?v=mqhkbefeko	PROPN
fsr-4086	83	13	.	.	PUNCT
fsr-4086	84	1	again	again	ADV
fsr-4086	84	2	,	,	PUNCT
fsr-4086	84	3	students	student	NOUN
fsr-4086	84	4	were	be	AUX
fsr-4086	84	5	encouraged	encourage	VERB
fsr-4086	84	6	not	not	PART
fsr-4086	84	7	only	only	ADV
fsr-4086	84	8	to	to	PART
fsr-4086	84	9	watch	watch	VERB
fsr-4086	84	10	the	the	DET
fsr-4086	84	11	video	video	NOUN
fsr-4086	84	12	but	but	CCONJ
fsr-4086	84	13	also	also	ADV
fsr-4086	84	14	to	to	PART
fsr-4086	84	15	complete	complete	VERB
fsr-4086	84	16	the	the	DET
fsr-4086	84	17	questions	question	NOUN
fsr-4086	84	18	on	on	ADP
fsr-4086	84	19	their	their	PRON
fsr-4086	84	20	own	own	ADJ
fsr-4086	84	21	using	use	VERB
fsr-4086	84	22	their	their	PRON
fsr-4086	84	23	financial	financial	ADJ
fsr-4086	84	24	calculator	calculator	NOUN
fsr-4086	84	25	.	.	PUNCT
fsr-4086	85	1	3	3	X
fsr-4086	85	2	.	.	X
fsr-4086	85	3	group	group	NOUN
fsr-4086	85	4	c	c	NOUN
fsr-4086	85	5	:	:	PUNCT
fsr-4086	85	6	this	this	DET
fsr-4086	85	7	group	group	NOUN
fsr-4086	85	8	was	be	AUX
fsr-4086	85	9	assigned	assign	VERB
fsr-4086	85	10	the	the	DET
fsr-4086	85	11	28minute	28minute	NUM
fsr-4086	85	12	video	video	NOUN
fsr-4086	85	13	explaining	explain	VERB
fsr-4086	85	14	how	how	SCONJ
fsr-4086	85	15	to	to	PART
fsr-4086	85	16	complete	complete	VERB
fsr-4086	85	17	various	various	ADJ
fsr-4086	85	18	tvm	tvm	PROPN
fsr-4086	85	19	questions	question	NOUN
fsr-4086	85	20	using	use	VERB
fsr-4086	85	21	excel	excel	NOUN
fsr-4086	85	22	and	and	CCONJ
fsr-4086	85	23	the	the	DET
fsr-4086	85	24	28	28	NUM
fsr-4086	85	25	-	-	PUNCT
fsr-4086	85	26	minute	minute	NOUN
fsr-4086	85	27	video	video	NOUN
fsr-4086	85	28	explaining	explain	VERB
fsr-4086	85	29	how	how	SCONJ
fsr-4086	85	30	to	to	PART
fsr-4086	85	31	complete	complete	VERB
fsr-4086	85	32	them	they	PRON
fsr-4086	85	33	using	use	VERB
fsr-4086	85	34	a	a	DET
fsr-4086	85	35	financial	financial	ADJ
fsr-4086	85	36	calculator	calculator	NOUN
fsr-4086	85	37	(	(	PUNCT
fsr-4086	85	38	for	for	ADP
fsr-4086	85	39	approximately	approximately	ADV
fsr-4086	85	40	1	1	NUM
fsr-4086	85	41	hour	hour	NOUN
fsr-4086	85	42	total	total	NOUN
fsr-4086	85	43	)	)	PUNCT
fsr-4086	85	44	.	.	PUNCT
fsr-4086	86	1	these	these	DET
fsr-4086	86	2	three	three	NUM
fsr-4086	86	3	interventions	intervention	NOUN
fsr-4086	86	4	were	be	AUX
fsr-4086	86	5	designed	design	VERB
fsr-4086	86	6	to	to	PART
fsr-4086	86	7	increase	increase	VERB
fsr-4086	86	8	the	the	DET
fsr-4086	86	9	students	student	NOUN
fsr-4086	86	10	’	'	PUNCT
fsr-4086	86	11	exposure	exposure	NOUN
fsr-4086	86	12	(	(	PUNCT
fsr-4086	86	13	time	time	NOUN
fsr-4086	86	14	)	)	PUNCT
fsr-4086	86	15	to	to	ADP
fsr-4086	86	16	tvm	tvm	PROPN
fsr-4086	86	17	concepts	concept	NOUN
fsr-4086	86	18	and	and	CCONJ
fsr-4086	86	19	opportunity	opportunity	NOUN
fsr-4086	86	20	to	to	PART
fsr-4086	86	21	engage	engage	VERB
fsr-4086	86	22	in	in	ADP
fsr-4086	86	23	trial	trial	NOUN
fsr-4086	86	24	and	and	CCONJ
fsr-4086	86	25	error	error	NOUN
fsr-4086	86	26	with	with	ADP
fsr-4086	86	27	tvm	tvm	PROPN
fsr-4086	86	28	problems	problem	NOUN
fsr-4086	86	29	,	,	PUNCT
fsr-4086	86	30	in	in	ADP
fsr-4086	86	31	line	line	NOUN
fsr-4086	86	32	with	with	ADP
fsr-4086	86	33	clt	clt	PROPN
fsr-4086	86	34	.	.	PUNCT
fsr-4086	87	1	this	this	PRON
fsr-4086	87	2	is	be	AUX
fsr-4086	87	3	why	why	SCONJ
fsr-4086	87	4	duration	duration	NOUN
fsr-4086	87	5	was	be	AUX
fsr-4086	87	6	allowed	allow	VERB
fsr-4086	87	7	to	to	PART
fsr-4086	87	8	vary	vary	VERB
fsr-4086	87	9	across	across	ADP
fsr-4086	87	10	interventions	intervention	NOUN
fsr-4086	87	11	(	(	PUNCT
fsr-4086	87	12	i.e.	i.e.	X
fsr-4086	87	13	,	,	PUNCT
fsr-4086	87	14	~30	~30	X
fsr-4086	87	15	minutes	minute	NOUN
fsr-4086	87	16	vs.	vs.	ADP
fsr-4086	87	17	1	1	NUM
fsr-4086	87	18	hour	hour	NOUN
fsr-4086	87	19	)	)	PUNCT
fsr-4086	87	20	.	.	PUNCT
fsr-4086	88	1	students	student	NOUN
fsr-4086	88	2	were	be	AUX
fsr-4086	88	3	allowed	allow	VERB
fsr-4086	88	4	to	to	PART
fsr-4086	88	5	take	take	VERB
fsr-4086	88	6	a	a	DET
fsr-4086	88	7	no	no	DET
fsr-4086	88	8	-	-	PUNCT
fsr-4086	88	9	credit	credit	NOUN
fsr-4086	88	10	tvm	tvm	PROPN
fsr-4086	88	11	quiz	quiz	NOUN
fsr-4086	88	12	to	to	PART
fsr-4086	88	13	practice	practice	VERB
fsr-4086	88	14	the	the	DET
fsr-4086	88	15	concepts	concept	NOUN
fsr-4086	88	16	during	during	ADP
fsr-4086	88	17	the	the	DET
fsr-4086	88	18	interventions	intervention	NOUN
fsr-4086	88	19	and	and	CCONJ
fsr-4086	88	20	is	be	AUX
fsr-4086	88	21	notated	notate	VERB
fsr-4086	88	22	as	as	ADP
fsr-4086	88	23	q2	q2	NOUN
fsr-4086	88	24	in	in	ADP
fsr-4086	88	25	figure	figure	NOUN
fsr-4086	88	26	1	1	NUM
fsr-4086	88	27	.	.	PUNCT
fsr-4086	89	1	the	the	DET
fsr-4086	89	2	intervention	intervention	NOUN
fsr-4086	89	3	videos	video	NOUN
fsr-4086	89	4	continued	continue	VERB
fsr-4086	89	5	to	to	PART
fsr-4086	89	6	be	be	AUX
fsr-4086	89	7	available	available	ADJ
fsr-4086	89	8	to	to	ADP
fsr-4086	89	9	students	student	NOUN
fsr-4086	89	10	once	once	ADV
fsr-4086	89	11	released	release	VERB
fsr-4086	89	12	by	by	ADP
fsr-4086	89	13	the	the	DET
fsr-4086	89	14	qualtrics	qualtric	NOUN
fsr-4086	89	15	survey	survey	NOUN
fsr-4086	89	16	.	.	PUNCT
fsr-4086	90	1	after	after	ADP
fsr-4086	90	2	the	the	DET
fsr-4086	90	3	completion	completion	NOUN
fsr-4086	90	4	of	of	ADP
fsr-4086	90	5	the	the	DET
fsr-4086	90	6	interventions	intervention	NOUN
fsr-4086	90	7	,	,	PUNCT
fsr-4086	90	8	students	student	NOUN
fsr-4086	90	9	took	take	VERB
fsr-4086	90	10	a	a	DET
fsr-4086	90	11	longer	long	ADJ
fsr-4086	90	12	exam	exam	NOUN
fsr-4086	90	13	(	(	PUNCT
fsr-4086	90	14	exam	exam	NOUN
fsr-4086	90	15	2	2	NUM
fsr-4086	90	16	)	)	PUNCT
fsr-4086	90	17	on	on	ADP
fsr-4086	90	18	november	november	PROPN
fsr-4086	90	19	9	9	NUM
fsr-4086	90	20	in	in	ADP
fsr-4086	90	21	canvas	canvas	NOUN
fsr-4086	90	22	to	to	PART
fsr-4086	90	23	assess	assess	VERB
fsr-4086	90	24	the	the	DET
fsr-4086	90	25	efficacy	efficacy	NOUN
fsr-4086	90	26	of	of	ADP
fsr-4086	90	27	the	the	DET
fsr-4086	90	28	educational	educational	ADJ
fsr-4086	90	29	interventions	intervention	NOUN
fsr-4086	90	30	.	.	PUNCT
fsr-4086	91	1	this	this	DET
fsr-4086	91	2	exam	exam	NOUN
fsr-4086	91	3	is	be	AUX
fsr-4086	91	4	notated	notate	VERB
fsr-4086	91	5	as	as	SCONJ
fsr-4086	91	6	e2	e2	PROPN
fsr-4086	91	7	in	in	ADP
fsr-4086	91	8	figure	figure	NOUN
fsr-4086	91	9	1.4	1.4	NUM
fsr-4086	91	10	consistency	consistency	NOUN
fsr-4086	91	11	between	between	ADP
fsr-4086	91	12	surveys	survey	NOUN
fsr-4086	91	13	was	be	AUX
fsr-4086	91	14	upheld	uphold	VERB
fsr-4086	91	15	by	by	ADP
fsr-4086	91	16	maintaining	maintain	VERB
fsr-4086	91	17	a	a	DET
fsr-4086	91	18	common	common	ADJ
fsr-4086	91	19	question	question	NOUN
fsr-4086	91	20	structure	structure	NOUN
fsr-4086	91	21	,	,	PUNCT
fsr-4086	91	22	wording	word	VERB
fsr-4086	91	23	choice	choice	NOUN
fsr-4086	91	24	,	,	PUNCT
fsr-4086	91	25	and	and	CCONJ
fsr-4086	92	1	number	number	NOUN
fsr-4086	92	2	of	of	ADP
fsr-4086	92	3	questions	question	NOUN
fsr-4086	92	4	(	(	PUNCT
fsr-4086	92	5	10	10	NUM
fsr-4086	92	6	)	)	PUNCT
fsr-4086	92	7	while	while	SCONJ
fsr-4086	92	8	ensuring	ensure	VERB
fsr-4086	92	9	at	at	ADV
fsr-4086	92	10	least	least	ADV
fsr-4086	92	11	three	three	NUM
fsr-4086	92	12	numerical	numerical	ADJ
fsr-4086	92	13	values	value	NOUN
fsr-4086	92	14	were	be	AUX
fsr-4086	92	15	modified	modify	VERB
fsr-4086	92	16	for	for	ADP
fsr-4086	92	17	n	n	CCONJ
fsr-4086	92	18	,	,	PUNCT
fsr-4086	92	19	pv	pv	INTJ
fsr-4086	92	20	,	,	PUNCT
fsr-4086	92	21	fv	fv	X
fsr-4086	92	22	,	,	PUNCT
fsr-4086	92	23	i	i	PRON
fsr-4086	92	24	,	,	PUNCT
fsr-4086	92	25	or	or	CCONJ
fsr-4086	92	26	pmt	pmt	PROPN
fsr-4086	92	27	.	.	PUNCT
fsr-4086	93	1	post	post	ADJ
fsr-4086	93	2	-	-	ADJ
fsr-4086	93	3	testing	testing	NOUN
fsr-4086	93	4	showed	show	VERB
fsr-4086	93	5	some	some	DET
fsr-4086	93	6	differences	difference	NOUN
fsr-4086	93	7	between	between	ADP
fsr-4086	93	8	the	the	DET
fsr-4086	93	9	intervention	intervention	NOUN
fsr-4086	93	10	groups	group	NOUN
fsr-4086	93	11	.	.	PUNCT
fsr-4086	94	1	group	group	PROPN
fsr-4086	94	2	a	a	PRON
fsr-4086	94	3	had	have	VERB
fsr-4086	94	4	the	the	DET
fsr-4086	94	5	highest	high	ADJ
fsr-4086	94	6	ending	end	VERB
fsr-4086	94	7	grades	grade	NOUN
fsr-4086	94	8	for	for	ADP
fsr-4086	94	9	the	the	DET
fsr-4086	94	10	semester	semester	NOUN
fsr-4086	94	11	(	(	PUNCT
fsr-4086	94	12	94	94	NUM
fsr-4086	94	13	%	%	NOUN
fsr-4086	94	14	received	receive	VERB
fsr-4086	94	15	as	as	ADP
fsr-4086	94	16	)	)	PUNCT
fsr-4086	94	17	while	while	SCONJ
fsr-4086	94	18	groups	group	NOUN
fsr-4086	94	19	b	b	PROPN
fsr-4086	94	20	and	and	CCONJ
fsr-4086	94	21	c	c	PROPN
fsr-4086	94	22	had	have	VERB
fsr-4086	94	23	81	81	NUM
fsr-4086	94	24	%	%	NOUN
fsr-4086	94	25	and	and	CCONJ
fsr-4086	94	26	88	88	NUM
fsr-4086	94	27	%	%	NOUN
fsr-4086	94	28	as	as	ADP
fsr-4086	94	29	,	,	PUNCT
fsr-4086	94	30	respectively	respectively	ADV
fsr-4086	94	31	.	.	PUNCT
fsr-4086	95	1	the	the	DET
fsr-4086	95	2	average	average	ADJ
fsr-4086	95	3	scores	score	NOUN
fsr-4086	95	4	on	on	ADP
fsr-4086	95	5	e1	e1	PROPN
fsr-4086	95	6	were	be	AUX
fsr-4086	95	7	9.12	9.12	NUM
fsr-4086	95	8	,	,	PUNCT
fsr-4086	95	9	8.25	8.25	NUM
fsr-4086	95	10	,	,	PUNCT
fsr-4086	95	11	and	and	CCONJ
fsr-4086	95	12	8.78	8.78	NUM
fsr-4086	95	13	for	for	ADP
fsr-4086	95	14	groups	group	NOUN
fsr-4086	95	15	a	a	DET
fsr-4086	95	16	,	,	PUNCT
fsr-4086	95	17	b	b	NOUN
fsr-4086	95	18	,	,	PUNCT
fsr-4086	95	19	and	and	CCONJ
fsr-4086	95	20	c.	c.	NOUN
fsr-4086	95	21	the	the	DET
fsr-4086	95	22	average	average	ADJ
fsr-4086	95	23	scores	score	NOUN
fsr-4086	95	24	on	on	ADP
fsr-4086	95	25	e2	e2	PROPN
fsr-4086	95	26	were	be	AUX
fsr-4086	95	27	9.06	9.06	NUM
fsr-4086	95	28	,	,	PUNCT
fsr-4086	95	29	8.91	8.91	NUM
fsr-4086	95	30	,	,	PUNCT
fsr-4086	95	31	and	and	CCONJ
fsr-4086	95	32	8.44	8.44	NUM
fsr-4086	95	33	for	for	ADP
fsr-4086	95	34	groups	group	NOUN
fsr-4086	95	35	a	a	PRON
fsr-4086	95	36	,	,	PUNCT
fsr-4086	95	37	b	b	NOUN
fsr-4086	95	38	,	,	PUNCT
fsr-4086	95	39	and	and	CCONJ
fsr-4086	95	40	c.	c.	PROPN
fsr-4086	95	41	https://www.youtube.com/watch?v=zjcvf6yqw6i	https://www.youtube.com/watch?v=zjcvf6yqw6i	PROPN
fsr-4086	96	1	https://www.youtube.com/watch?v=zjcvf6yqw6i	https://www.youtube.com/watch?v=zjcvf6yqw6i	NUM
fsr-4086	96	2	https://www.youtube.com/watch?v=-mqhkbefeko	https://www.youtube.com/watch?v=-mqhkbefeko	PROPN
fsr-4086	96	3	https://www.youtube.com/watch?v=-mqhkbefeko	https://www.youtube.com/watch?v=-mqhkbefeko	ADJ
fsr-4086	96	4	financial	financial	ADJ
fsr-4086	96	5	services	service	NOUN
fsr-4086	96	6	review	review	NOUN
fsr-4086	96	7	,	,	PUNCT
fsr-4086	96	8	33(4	33(4	NUM
fsr-4086	96	9	)	)	PUNCT
fsr-4086	96	10	66	66	NUM
fsr-4086	96	11	results	result	NOUN
fsr-4086	96	12	and	and	CCONJ
fsr-4086	96	13	analysis	analysis	NOUN
fsr-4086	96	14	of	of	ADP
fsr-4086	96	15	the	the	DET
fsr-4086	96	16	108	108	NUM
fsr-4086	96	17	students	student	NOUN
fsr-4086	96	18	enrolled	enrol	VERB
fsr-4086	96	19	in	in	ADP
fsr-4086	96	20	the	the	DET
fsr-4086	96	21	course	course	NOUN
fsr-4086	96	22	,	,	PUNCT
fsr-4086	96	23	97	97	NUM
fsr-4086	96	24	students	student	NOUN
fsr-4086	96	25	participated	participate	VERB
fsr-4086	96	26	in	in	ADP
fsr-4086	96	27	the	the	DET
fsr-4086	96	28	study	study	NOUN
fsr-4086	96	29	’s	’s	PART
fsr-4086	96	30	interventions	intervention	NOUN
fsr-4086	96	31	.	.	PUNCT
fsr-4086	97	1	of	of	ADP
fsr-4086	97	2	the	the	DET
fsr-4086	97	3	97	97	NUM
fsr-4086	97	4	who	who	PRON
fsr-4086	97	5	participated	participate	VERB
fsr-4086	97	6	in	in	ADP
fsr-4086	97	7	the	the	DET
fsr-4086	97	8	interventions	intervention	NOUN
fsr-4086	97	9	,	,	PUNCT
fsr-4086	97	10	two	two	NUM
fsr-4086	97	11	students	student	NOUN
fsr-4086	97	12	were	be	AUX
fsr-4086	97	13	dropped	drop	VERB
fsr-4086	97	14	from	from	ADP
fsr-4086	97	15	the	the	DET
fsr-4086	97	16	study	study	NOUN
fsr-4086	97	17	for	for	ADP
fsr-4086	97	18	not	not	PART
fsr-4086	97	19	completing	complete	VERB
fsr-4086	97	20	e2	e2	PROPN
fsr-4086	97	21	.	.	PUNCT
fsr-4086	98	1	of	of	ADP
fsr-4086	98	2	the	the	DET
fsr-4086	98	3	remaining	remain	VERB
fsr-4086	98	4	95	95	NUM
fsr-4086	98	5	participants	participant	NOUN
fsr-4086	98	6	,	,	PUNCT
fsr-4086	98	7	31	31	NUM
fsr-4086	98	8	were	be	AUX
fsr-4086	98	9	randomly	randomly	ADV
fsr-4086	98	10	assigned	assign	VERB
fsr-4086	98	11	to	to	ADP
fsr-4086	98	12	group	group	NOUN
fsr-4086	98	13	a	a	PRON
fsr-4086	98	14	(	(	PUNCT
fsr-4086	98	15	excel	excel	PROPN
fsr-4086	98	16	intervention	intervention	NOUN
fsr-4086	98	17	)	)	PUNCT
fsr-4086	98	18	,	,	PUNCT
fsr-4086	98	19	32	32	NUM
fsr-4086	98	20	to	to	ADP
fsr-4086	98	21	group	group	PROPN
fsr-4086	98	22	b	b	PROPN
fsr-4086	98	23	(	(	PUNCT
fsr-4086	98	24	calculator	calculator	NOUN
fsr-4086	98	25	intervention	intervention	NOUN
fsr-4086	98	26	)	)	PUNCT
fsr-4086	98	27	,	,	PUNCT
fsr-4086	98	28	and	and	CCONJ
fsr-4086	98	29	32	32	NUM
fsr-4086	98	30	to	to	ADP
fsr-4086	98	31	group	group	PROPN
fsr-4086	98	32	c	c	PROPN
fsr-4086	98	33	(	(	PUNCT
fsr-4086	98	34	excel	excel	VERB
fsr-4086	98	35	and	and	CCONJ
fsr-4086	98	36	calculator	calculator	NOUN
fsr-4086	98	37	)	)	PUNCT
fsr-4086	98	38	.	.	PUNCT
fsr-4086	99	1	timestamps	timestamp	NOUN
fsr-4086	99	2	for	for	ADP
fsr-4086	99	3	submissions	submission	NOUN
fsr-4086	99	4	on	on	ADP
fsr-4086	99	5	the	the	DET
fsr-4086	99	6	qualtrics	qualtric	NOUN
fsr-4086	99	7	survey	survey	NOUN
fsr-4086	99	8	ranged	range	VERB
fsr-4086	99	9	from	from	ADP
fsr-4086	99	10	the	the	DET
fsr-4086	99	11	10	10	NUM
fsr-4086	99	12	-	-	PUNCT
fsr-4086	99	13	day	day	NOUN
fsr-4086	99	14	period	period	NOUN
fsr-4086	99	15	between	between	ADP
fsr-4086	99	16	the	the	DET
fsr-4086	99	17	dates	date	NOUN
fsr-4086	99	18	of	of	ADP
fsr-4086	99	19	october	october	PROPN
fsr-4086	99	20	16	16	NUM
fsr-4086	99	21	to	to	ADP
fsr-4086	99	22	october	october	PROPN
fsr-4086	99	23	26	26	NUM
fsr-4086	99	24	,	,	PUNCT
fsr-4086	99	25	2023	2023	NUM
fsr-4086	99	26	,	,	PUNCT
fsr-4086	99	27	with	with	ADP
fsr-4086	99	28	one	one	NUM
fsr-4086	99	29	outlier	outlier	NOUN
fsr-4086	99	30	showing	show	VERB
fsr-4086	99	31	december	december	PROPN
fsr-4086	99	32	5	5	NUM
fsr-4086	99	33	.	.	PUNCT
fsr-4086	100	1	statistics	statistic	NOUN
fsr-4086	100	2	provided	provide	VERB
fsr-4086	100	3	by	by	ADP
fsr-4086	100	4	youtube	youtube	NOUN
fsr-4086	100	5	for	for	ADP
fsr-4086	100	6	the	the	DET
fsr-4086	100	7	intervention	intervention	NOUN
fsr-4086	100	8	videos	video	NOUN
fsr-4086	100	9	on	on	ADP
fsr-4086	100	10	the	the	DET
fsr-4086	100	11	dates	date	NOUN
fsr-4086	100	12	of	of	ADP
fsr-4086	100	13	october	october	PROPN
fsr-4086	100	14	16	16	NUM
fsr-4086	100	15	-	-	SYM
fsr-4086	100	16	26	26	NUM
fsr-4086	100	17	were	be	AUX
fsr-4086	100	18	exported	export	VERB
fsr-4086	100	19	and	and	CCONJ
fsr-4086	100	20	shown	show	VERB
fsr-4086	100	21	in	in	ADP
fsr-4086	100	22	table	table	NOUN
fsr-4086	100	23	1	1	NUM
fsr-4086	100	24	,	,	PUNCT
fsr-4086	100	25	whereas	whereas	SCONJ
fsr-4086	100	26	post	post	ADJ
fsr-4086	100	27	-	-	ADJ
fsr-4086	100	28	intervention	intervention	ADJ
fsr-4086	100	29	viewing	view	VERB
fsr-4086	100	30	data	datum	NOUN
fsr-4086	100	31	is	be	AUX
fsr-4086	100	32	shown	show	VERB
fsr-4086	100	33	in	in	ADP
fsr-4086	100	34	table	table	NOUN
fsr-4086	100	35	2	2	NUM
fsr-4086	100	36	.	.	PUNCT
fsr-4086	101	1	during	during	ADP
fsr-4086	101	2	the	the	DET
fsr-4086	101	3	intervention	intervention	NOUN
fsr-4086	101	4	period	period	NOUN
fsr-4086	101	5	,	,	PUNCT
fsr-4086	101	6	the	the	DET
fsr-4086	101	7	financial	financial	ADJ
fsr-4086	101	8	calculator	calculator	NOUN
fsr-4086	101	9	tvm	tvm	PROPN
fsr-4086	101	10	youtube	youtube	PROPN
fsr-4086	101	11	video	video	NOUN
fsr-4086	101	12	had	have	VERB
fsr-4086	101	13	74	74	NUM
fsr-4086	101	14	views	view	NOUN
fsr-4086	101	15	and	and	CCONJ
fsr-4086	101	16	the	the	DET
fsr-4086	101	17	excel	excel	PROPN
fsr-4086	101	18	tvm	tvm	PROPN
fsr-4086	101	19	video	video	NOUN
fsr-4086	101	20	67	67	NUM
fsr-4086	101	21	views	view	NOUN
fsr-4086	101	22	.	.	PUNCT
fsr-4086	102	1	the	the	DET
fsr-4086	102	2	average	average	ADJ
fsr-4086	102	3	watch	watch	NOUN
fsr-4086	102	4	time	time	NOUN
fsr-4086	102	5	(	(	PUNCT
fsr-4086	102	6	per	per	ADP
fsr-4086	102	7	view	view	NOUN
fsr-4086	102	8	)	)	PUNCT
fsr-4086	102	9	and	and	CCONJ
fsr-4086	102	10	total	total	ADJ
fsr-4086	102	11	watch	watch	NOUN
fsr-4086	102	12	time	time	NOUN
fsr-4086	102	13	for	for	ADP
fsr-4086	102	14	the	the	DET
fsr-4086	102	15	excel	excel	NOUN
fsr-4086	102	16	video	video	NOUN
fsr-4086	102	17	exceeded	exceed	VERB
fsr-4086	102	18	that	that	PRON
fsr-4086	102	19	of	of	ADP
fsr-4086	102	20	the	the	DET
fsr-4086	102	21	financial	financial	ADJ
fsr-4086	102	22	calculator	calculator	NOUN
fsr-4086	102	23	.	.	PUNCT
fsr-4086	103	1	figure	figure	NOUN
fsr-4086	103	2	1	1	NUM
fsr-4086	103	3	.	.	PUNCT
fsr-4086	104	1	tvm	tvm	PROPN
fsr-4086	104	2	experimental	experimental	PROPN
fsr-4086	104	3	research	research	NOUN
fsr-4086	104	4	design	design	NOUN
fsr-4086	104	5	in	in	ADP
fsr-4086	104	6	other	other	ADJ
fsr-4086	104	7	words	word	NOUN
fsr-4086	104	8	,	,	PUNCT
fsr-4086	104	9	the	the	DET
fsr-4086	104	10	average	average	ADJ
fsr-4086	104	11	view	view	NOUN
fsr-4086	104	12	duration	duration	NOUN
fsr-4086	104	13	and	and	CCONJ
fsr-4086	104	14	total	total	ADJ
fsr-4086	104	15	watch	watch	PROPN
fsr-4086	104	16	time	time	NOUN
fsr-4086	104	17	statistics	statistic	NOUN
fsr-4086	104	18	show	show	VERB
fsr-4086	104	19	students	student	NOUN
fsr-4086	104	20	gained	gain	VERB
fsr-4086	104	21	more	more	ADJ
fsr-4086	104	22	exposure	exposure	NOUN
fsr-4086	104	23	to	to	ADP
fsr-4086	104	24	the	the	DET
fsr-4086	104	25	excel	excel	NOUN
fsr-4086	104	26	intervention	intervention	NOUN
fsr-4086	104	27	as	as	SCONJ
fsr-4086	104	28	compared	compare	VERB
fsr-4086	104	29	to	to	ADP
fsr-4086	104	30	the	the	DET
fsr-4086	104	31	calculator	calculator	NOUN
fsr-4086	104	32	intervention	intervention	NOUN
fsr-4086	104	33	.	.	PUNCT
fsr-4086	105	1	the	the	DET
fsr-4086	105	2	average	average	ADJ
fsr-4086	105	3	view	view	NOUN
fsr-4086	105	4	duration	duration	NOUN
fsr-4086	105	5	for	for	ADP
fsr-4086	105	6	both	both	DET
fsr-4086	105	7	videos	video	NOUN
fsr-4086	105	8	was	be	AUX
fsr-4086	105	9	less	less	ADJ
fsr-4086	105	10	than	than	ADP
fsr-4086	105	11	the	the	DET
fsr-4086	105	12	total	total	ADJ
fsr-4086	105	13	video	video	NOUN
fsr-4086	105	14	length	length	NOUN
fsr-4086	105	15	,	,	PUNCT
fsr-4086	105	16	indicating	indicate	VERB
fsr-4086	105	17	the	the	DET
fsr-4086	105	18	videos	video	NOUN
fsr-4086	105	19	were	be	AUX
fsr-4086	105	20	not	not	PART
fsr-4086	105	21	watched	watch	VERB
fsr-4086	105	22	for	for	ADP
fsr-4086	105	23	their	their	PRON
fsr-4086	105	24	entire	entire	ADJ
fsr-4086	105	25	duration	duration	NOUN
fsr-4086	105	26	.	.	PUNCT
fsr-4086	106	1	this	this	DET
fsr-4086	106	2	data	data	NOUN
fsr-4086	106	3	does	do	AUX
fsr-4086	106	4	not	not	PART
fsr-4086	106	5	show	show	VERB
fsr-4086	106	6	,	,	PUNCT
fsr-4086	106	7	however	however	ADV
fsr-4086	106	8	,	,	PUNCT
fsr-4086	106	9	the	the	DET
fsr-4086	106	10	breakdown	breakdown	NOUN
fsr-4086	106	11	of	of	ADP
fsr-4086	106	12	exposure	exposure	NOUN
fsr-4086	106	13	between	between	ADP
fsr-4086	106	14	the	the	DET
fsr-4086	106	15	various	various	ADJ
fsr-4086	106	16	intervention	intervention	NOUN
fsr-4086	106	17	groups	group	NOUN
fsr-4086	106	18	,	,	PUNCT
fsr-4086	106	19	as	as	SCONJ
fsr-4086	106	20	unique	unique	ADJ
fsr-4086	106	21	viewer	viewer	NOUN
fsr-4086	106	22	identifying	identify	VERB
fsr-4086	106	23	information	information	NOUN
fsr-4086	106	24	was	be	AUX
fsr-4086	106	25	not	not	PART
fsr-4086	106	26	available	available	ADJ
fsr-4086	106	27	from	from	ADP
fsr-4086	106	28	youtube	youtube	NOUN
fsr-4086	106	29	.	.	PUNCT
fsr-4086	107	1	anderson	anderson	PROPN
fsr-4086	107	2	&	&	CCONJ
fsr-4086	107	3	gray	gray	VERB
fsr-4086	107	4	67	67	NUM
fsr-4086	107	5	table	table	NOUN
fsr-4086	107	6	1	1	NUM
fsr-4086	107	7	.	.	PUNCT
fsr-4086	107	8	youtube	youtube	NOUN
fsr-4086	107	9	video	video	NOUN
fsr-4086	107	10	statistics	statistic	NOUN
fsr-4086	107	11	for	for	ADP
fsr-4086	107	12	october	october	PROPN
fsr-4086	107	13	16	16	NUM
fsr-4086	107	14	26	26	NUM
fsr-4086	107	15	views	view	NOUN
fsr-4086	107	16	total	total	ADJ
fsr-4086	107	17	video	video	NOUN
fsr-4086	107	18	length	length	NOUN
fsr-4086	107	19	average	average	ADJ
fsr-4086	107	20	view	view	NOUN
fsr-4086	107	21	duration	duration	NOUN
fsr-4086	107	22	total	total	NOUN
fsr-4086	107	23	watch	watch	NOUN
fsr-4086	107	24	time	time	NOUN
fsr-4086	107	25	(	(	PUNCT
fsr-4086	107	26	hours	hour	NOUN
fsr-4086	107	27	)	)	PUNCT
fsr-4086	107	28	excel	excel	VERB
fsr-4086	107	29	67	67	NUM
fsr-4086	107	30	28:51	28:51	NUM
fsr-4086	107	31	9:41	9:41	NUM
fsr-4086	107	32	10.8	10.8	NUM
fsr-4086	107	33	calculator	calculator	NOUN
fsr-4086	107	34	74	74	NUM
fsr-4086	107	35	28:28	28:28	NUM
fsr-4086	107	36	7:50	7:50	NUM
fsr-4086	107	37	9.7	9.7	NUM
fsr-4086	107	38	table	table	NOUN
fsr-4086	107	39	3	3	NUM
fsr-4086	107	40	shows	show	VERB
fsr-4086	107	41	descriptive	descriptive	ADJ
fsr-4086	107	42	statistics	statistic	NOUN
fsr-4086	107	43	for	for	ADP
fsr-4086	107	44	the	the	DET
fsr-4086	107	45	total	total	ADJ
fsr-4086	107	46	gains	gain	NOUN
fsr-4086	107	47	(	(	PUNCT
fsr-4086	107	48	or	or	CCONJ
fsr-4086	107	49	losses	loss	NOUN
fsr-4086	107	50	)	)	PUNCT
fsr-4086	107	51	from	from	ADP
fsr-4086	107	52	e1	e1	PROPN
fsr-4086	107	53	to	to	ADP
fsr-4086	107	54	e2	e2	NOUN
fsr-4086	107	55	by	by	ADP
fsr-4086	107	56	intervention	intervention	NOUN
fsr-4086	107	57	(	(	PUNCT
fsr-4086	107	58	n	n	NOUN
fsr-4086	107	59	=	=	SYM
fsr-4086	107	60	95	95	NUM
fsr-4086	107	61	)	)	PUNCT
fsr-4086	107	62	.	.	PUNCT
fsr-4086	108	1	results	result	NOUN
fsr-4086	108	2	show	show	VERB
fsr-4086	108	3	the	the	DET
fsr-4086	108	4	financial	financial	ADJ
fsr-4086	108	5	calculator	calculator	NOUN
fsr-4086	108	6	intervention	intervention	NOUN
fsr-4086	108	7	was	be	AUX
fsr-4086	108	8	the	the	DET
fsr-4086	108	9	most	most	ADV
fsr-4086	108	10	effective	effective	ADJ
fsr-4086	108	11	in	in	ADP
fsr-4086	108	12	improving	improve	VERB
fsr-4086	108	13	scores	score	NOUN
fsr-4086	108	14	between	between	ADP
fsr-4086	108	15	exams	exam	NOUN
fsr-4086	108	16	,	,	PUNCT
fsr-4086	108	17	with	with	ADP
fsr-4086	108	18	a	a	DET
fsr-4086	108	19	score	score	NOUN
fsr-4086	108	20	increase	increase	NOUN
fsr-4086	108	21	of	of	ADP
fsr-4086	108	22	.656	.656	NUM
fsr-4086	108	23	.	.	PUNCT
fsr-4086	109	1	table	table	NOUN
fsr-4086	109	2	2	2	NUM
fsr-4086	109	3	.	.	PUNCT
fsr-4086	109	4	youtube	youtube	NOUN
fsr-4086	109	5	video	video	NOUN
fsr-4086	109	6	statistics	statistic	NOUN
fsr-4086	109	7	for	for	ADP
fsr-4086	109	8	october	october	PROPN
fsr-4086	109	9	27	27	NUM
fsr-4086	109	10	november	november	PROPN
fsr-4086	109	11	9	9	NUM
fsr-4086	109	12	views	view	NOUN
fsr-4086	109	13	total	total	ADJ
fsr-4086	109	14	video	video	NOUN
fsr-4086	109	15	length	length	NOUN
fsr-4086	109	16	average	average	ADJ
fsr-4086	109	17	view	view	NOUN
fsr-4086	109	18	duration	duration	NOUN
fsr-4086	109	19	total	total	NOUN
fsr-4086	109	20	watch	watch	NOUN
fsr-4086	109	21	time	time	NOUN
fsr-4086	109	22	(	(	PUNCT
fsr-4086	109	23	hours	hour	NOUN
fsr-4086	109	24	)	)	PUNCT
fsr-4086	109	25	excel	excel	VERB
fsr-4086	109	26	10	10	NUM
fsr-4086	109	27	28:28	28:28	NUM
fsr-4086	109	28	0:33	0:33	NUM
fsr-4086	109	29	0.1	0.1	NUM
fsr-4086	109	30	calculator	calculator	NOUN
fsr-4086	109	31	5	5	NUM
fsr-4086	109	32	28:51	28:51	NUM
fsr-4086	109	33	2:51	2:51	NUM
fsr-4086	109	34	0.2	0.2	NUM
fsr-4086	109	35	on	on	ADP
fsr-4086	109	36	the	the	DET
fsr-4086	109	37	other	other	ADJ
fsr-4086	109	38	hand	hand	NOUN
fsr-4086	109	39	,	,	PUNCT
fsr-4086	109	40	the	the	DET
fsr-4086	109	41	excel	excel	NOUN
fsr-4086	109	42	intervention	intervention	NOUN
fsr-4086	109	43	was	be	AUX
fsr-4086	109	44	neutral	neutral	ADJ
fsr-4086	109	45	while	while	SCONJ
fsr-4086	109	46	the	the	DET
fsr-4086	109	47	combined	combine	VERB
fsr-4086	109	48	intervention	intervention	NOUN
fsr-4086	109	49	showed	show	VERB
fsr-4086	109	50	an	an	DET
fsr-4086	109	51	average	average	ADJ
fsr-4086	109	52	score	score	NOUN
fsr-4086	109	53	drop	drop	NOUN
fsr-4086	109	54	of	of	ADP
fsr-4086	109	55	-0.344	-0.344	NOUN
fsr-4086	109	56	points	point	NOUN
fsr-4086	109	57	.	.	PUNCT
fsr-4086	110	1	data	datum	NOUN
fsr-4086	110	2	collected	collect	VERB
fsr-4086	110	3	shows	show	VERB
fsr-4086	110	4	that	that	SCONJ
fsr-4086	110	5	the	the	DET
fsr-4086	110	6	reinforcement	reinforcement	NOUN
fsr-4086	110	7	of	of	ADP
fsr-4086	110	8	the	the	DET
fsr-4086	110	9	learning	learning	NOUN
fsr-4086	110	10	of	of	ADP
fsr-4086	110	11	calculators	calculator	NOUN
fsr-4086	110	12	led	lead	VERB
fsr-4086	110	13	to	to	ADP
fsr-4086	110	14	the	the	DET
fsr-4086	110	15	most	most	ADJ
fsr-4086	110	16	students	student	NOUN
fsr-4086	110	17	increasing	increase	VERB
fsr-4086	110	18	scores	score	NOUN
fsr-4086	110	19	and	and	CCONJ
fsr-4086	110	20	the	the	DET
fsr-4086	110	21	lowest	low	ADJ
fsr-4086	110	22	decreasing	decrease	VERB
fsr-4086	110	23	scores	score	NOUN
fsr-4086	110	24	.	.	PUNCT
fsr-4086	111	1	table	table	NOUN
fsr-4086	111	2	3	3	NUM
fsr-4086	111	3	.	.	PUNCT
fsr-4086	111	4	descriptive	descriptive	ADJ
fsr-4086	111	5	statistics	statistic	NOUN
fsr-4086	111	6	for	for	ADP
fsr-4086	111	7	gains	gain	NOUN
fsr-4086	111	8	by	by	ADP
fsr-4086	111	9	intervention	intervention	NOUN
fsr-4086	111	10	observations	observation	NOUN
fsr-4086	111	11	mean	mean	VERB
fsr-4086	111	12	std	std	X
fsr-4086	111	13	.	.	PROPN
fsr-4086	111	14	dev	dev	PROPN
fsr-4086	111	15	.	.	PUNCT
fsr-4086	112	1	min	min	PROPN
fsr-4086	112	2	max	max	PROPN
fsr-4086	112	3	higher	high	ADJ
fsr-4086	112	4	score	score	NOUN
fsr-4086	112	5	lower	low	ADJ
fsr-4086	112	6	score	score	NOUN
fsr-4086	112	7	excel	excel	VERB
fsr-4086	112	8	31	31	NUM
fsr-4086	112	9	0.000	0.000	NUM
fsr-4086	112	10	1.414	1.414	NUM
fsr-4086	112	11	-4	-4	SYM
fsr-4086	112	12	2	2	NUM
fsr-4086	112	13	10	10	NUM
fsr-4086	112	14	7	7	NUM
fsr-4086	112	15	calculator	calculator	NOUN
fsr-4086	112	16	32	32	NUM
fsr-4086	112	17	0.656	0.656	NUM
fsr-4086	112	18	1.911	1.911	NUM
fsr-4086	112	19	-4	-4	SYM
fsr-4086	112	20	5	5	NUM
fsr-4086	112	21	12	12	NUM
fsr-4086	112	22	4	4	NUM
fsr-4086	112	23	excel	excel	ADJ
fsr-4086	112	24	+	+	CCONJ
fsr-4086	112	25	calculator	calculator	NOUN
fsr-4086	112	26	32	32	NUM
fsr-4086	112	27	-0.344	-0.344	NOUN
fsr-4086	112	28	1.945	1.945	NUM
fsr-4086	112	29	-9	-9	PROPN
fsr-4086	112	30	3	3	NUM
fsr-4086	112	31	6	6	NUM
fsr-4086	112	32	6	6	NUM
fsr-4086	112	33	a	a	DET
fsr-4086	112	34	regression	regression	NOUN
fsr-4086	112	35	analysis	analysis	NOUN
fsr-4086	112	36	of	of	ADP
fsr-4086	112	37	tvm	tvm	PROPN
fsr-4086	112	38	exam	exam	NOUN
fsr-4086	112	39	score	score	NOUN
fsr-4086	112	40	gains	gain	NOUN
fsr-4086	112	41	(	(	PUNCT
fsr-4086	112	42	e1	e1	NOUN
fsr-4086	112	43	to	to	ADP
fsr-4086	112	44	e2	e2	VERB
fsr-4086	112	45	)	)	PUNCT
fsr-4086	112	46	on	on	ADP
fsr-4086	112	47	each	each	DET
fsr-4086	112	48	intervention	intervention	NOUN
fsr-4086	112	49	is	be	AUX
fsr-4086	112	50	shown	show	VERB
fsr-4086	112	51	in	in	ADP
fsr-4086	112	52	table	table	NOUN
fsr-4086	112	53	4	4	NUM
fsr-4086	112	54	.	.	PUNCT
fsr-4086	113	1	the	the	DET
fsr-4086	113	2	only	only	ADJ
fsr-4086	113	3	significant	significant	ADJ
fsr-4086	113	4	result	result	NOUN
fsr-4086	113	5	in	in	ADP
fsr-4086	113	6	this	this	DET
fsr-4086	113	7	analysis	analysis	NOUN
fsr-4086	113	8	is	be	AUX
fsr-4086	113	9	,	,	PUNCT
fsr-4086	113	10	unsurprisingly	unsurprisingly	ADV
fsr-4086	113	11	,	,	PUNCT
fsr-4086	113	12	for	for	ADP
fsr-4086	113	13	the	the	DET
fsr-4086	113	14	financial	financial	ADJ
fsr-4086	113	15	calculator	calculator	NOUN
fsr-4086	113	16	intervention	intervention	NOUN
fsr-4086	113	17	independent	independent	ADJ
fsr-4086	113	18	variable	variable	NOUN
fsr-4086	113	19	(	(	PUNCT
fsr-4086	113	20	p	p	X
fsr-4086	113	21	<	<	X
fsr-4086	113	22	0.05	0.05	NUM
fsr-4086	113	23	)	)	PUNCT
fsr-4086	113	24	.	.	PUNCT
fsr-4086	114	1	results	result	NOUN
fsr-4086	114	2	show	show	VERB
fsr-4086	114	3	that	that	SCONJ
fsr-4086	114	4	,	,	PUNCT
fsr-4086	114	5	all	all	DET
fsr-4086	114	6	other	other	ADJ
fsr-4086	114	7	things	thing	NOUN
fsr-4086	114	8	held	hold	VERB
fsr-4086	114	9	equal	equal	ADJ
fsr-4086	114	10	,	,	PUNCT
fsr-4086	114	11	the	the	DET
fsr-4086	114	12	financial	financial	ADJ
fsr-4086	114	13	calculator	calculator	NOUN
fsr-4086	114	14	intervention	intervention	NOUN
fsr-4086	114	15	,	,	PUNCT
fsr-4086	114	16	as	as	SCONJ
fsr-4086	114	17	compared	compare	VERB
fsr-4086	114	18	to	to	ADP
fsr-4086	114	19	the	the	DET
fsr-4086	114	20	lack	lack	NOUN
fsr-4086	114	21	of	of	ADP
fsr-4086	114	22	an	an	DET
fsr-4086	114	23	intervention	intervention	NOUN
fsr-4086	114	24	,	,	PUNCT
fsr-4086	114	25	predicts	predict	VERB
fsr-4086	114	26	a	a	DET
fsr-4086	114	27	score	score	NOUN
fsr-4086	114	28	increase	increase	NOUN
fsr-4086	114	29	of	of	ADP
fsr-4086	114	30	1.55	1.55	NUM
fsr-4086	114	31	.	.	PUNCT
fsr-4086	115	1	this	this	DET
fsr-4086	115	2	regression	regression	NOUN
fsr-4086	115	3	model	model	NOUN
fsr-4086	115	4	accounts	account	VERB
fsr-4086	115	5	for	for	ADP
fsr-4086	115	6	6.2	6.2	NUM
fsr-4086	115	7	%	%	NOUN
fsr-4086	115	8	of	of	ADP
fsr-4086	115	9	the	the	DET
fsr-4086	115	10	variance	variance	NOUN
fsr-4086	115	11	in	in	ADP
fsr-4086	115	12	tvm	tvm	PROPN
fsr-4086	115	13	exam	exam	NOUN
fsr-4086	115	14	score	score	NOUN
fsr-4086	115	15	gain	gain	NOUN
fsr-4086	115	16	.	.	PUNCT
fsr-4086	116	1	given	give	VERB
fsr-4086	116	2	the	the	DET
fsr-4086	116	3	findings	finding	NOUN
fsr-4086	116	4	outlined	outline	VERB
fsr-4086	116	5	in	in	ADP
fsr-4086	116	6	this	this	DET
fsr-4086	116	7	section	section	NOUN
fsr-4086	116	8	,	,	PUNCT
fsr-4086	116	9	hypothesis	hypothesis	NOUN
fsr-4086	116	10	1	1	NUM
fsr-4086	116	11	is	be	AUX
fsr-4086	116	12	rejected	reject	VERB
fsr-4086	116	13	as	as	SCONJ
fsr-4086	116	14	students	student	NOUN
fsr-4086	116	15	did	do	AUX
fsr-4086	116	16	not	not	PART
fsr-4086	116	17	display	display	VERB
fsr-4086	116	18	an	an	DET
fsr-4086	116	19	increase	increase	NOUN
fsr-4086	116	20	in	in	ADP
fsr-4086	116	21	tvm	tvm	PROPN
fsr-4086	116	22	exam	exam	NOUN
fsr-4086	116	23	scores	score	NOUN
fsr-4086	116	24	after	after	ADP
fsr-4086	116	25	the	the	DET
fsr-4086	116	26	excel	excel	ADJ
fsr-4086	116	27	educational	educational	ADJ
fsr-4086	116	28	intervention	intervention	NOUN
fsr-4086	116	29	.	.	PUNCT
fsr-4086	117	1	there	there	PRON
fsr-4086	117	2	is	be	VERB
fsr-4086	117	3	support	support	NOUN
fsr-4086	117	4	for	for	ADP
fsr-4086	117	5	hypothesis	hypothesis	NOUN
fsr-4086	117	6	2	2	NUM
fsr-4086	117	7	,	,	PUNCT
fsr-4086	117	8	as	as	SCONJ
fsr-4086	117	9	students	student	NOUN
fsr-4086	117	10	demonstrated	demonstrate	VERB
fsr-4086	117	11	a	a	DET
fsr-4086	117	12	significant	significant	ADJ
fsr-4086	117	13	increase	increase	NOUN
fsr-4086	117	14	in	in	ADP
fsr-4086	117	15	exam	exam	NOUN
fsr-4086	117	16	scores	score	NOUN
fsr-4086	117	17	due	due	ADP
fsr-4086	117	18	to	to	ADP
fsr-4086	117	19	the	the	DET
fsr-4086	117	20	financial	financial	ADJ
fsr-4086	117	21	calculator	calculator	NOUN
fsr-4086	117	22	intervention	intervention	NOUN
fsr-4086	117	23	.	.	PUNCT
fsr-4086	118	1	hypothesis	hypothesis	NOUN
fsr-4086	118	2	3	3	NUM
fsr-4086	118	3	was	be	AUX
fsr-4086	118	4	rejected	reject	VERB
fsr-4086	118	5	,	,	PUNCT
fsr-4086	118	6	as	as	SCONJ
fsr-4086	118	7	students	student	NOUN
fsr-4086	118	8	did	do	AUX
fsr-4086	118	9	not	not	PART
fsr-4086	118	10	show	show	VERB
fsr-4086	118	11	an	an	DET
fsr-4086	118	12	increase	increase	NOUN
fsr-4086	118	13	in	in	ADP
fsr-4086	118	14	exam	exam	NOUN
fsr-4086	118	15	scores	score	NOUN
fsr-4086	118	16	after	after	ADP
fsr-4086	118	17	being	be	AUX
fsr-4086	118	18	exposed	expose	VERB
fsr-4086	118	19	to	to	ADP
fsr-4086	118	20	both	both	DET
fsr-4086	118	21	interventions	intervention	NOUN
fsr-4086	118	22	.	.	PUNCT
fsr-4086	119	1	financial	financial	ADJ
fsr-4086	119	2	services	service	NOUN
fsr-4086	119	3	review	review	NOUN
fsr-4086	119	4	,	,	PUNCT
fsr-4086	119	5	33(4	33(4	NUM
fsr-4086	119	6	)	)	PUNCT
fsr-4086	119	7	68	68	NUM
fsr-4086	119	8	discussion	discussion	NOUN
fsr-4086	119	9	and	and	CCONJ
fsr-4086	119	10	limitations	limitation	NOUN
fsr-4086	119	11	teaching	teach	VERB
fsr-4086	119	12	tvm	tvm	PROPN
fsr-4086	119	13	to	to	ADP
fsr-4086	119	14	future	future	ADJ
fsr-4086	119	15	financial	financial	ADJ
fsr-4086	119	16	planners	planner	NOUN
fsr-4086	119	17	is	be	AUX
fsr-4086	119	18	a	a	DET
fsr-4086	119	19	complex	complex	ADJ
fsr-4086	119	20	task	task	NOUN
fsr-4086	119	21	.	.	PUNCT
fsr-4086	120	1	this	this	DET
fsr-4086	120	2	study	study	NOUN
fsr-4086	120	3	presented	present	VERB
fsr-4086	120	4	limited	limited	ADJ
fsr-4086	120	5	evidence	evidence	NOUN
fsr-4086	120	6	of	of	ADP
fsr-4086	120	7	the	the	DET
fsr-4086	120	8	efficacy	efficacy	NOUN
fsr-4086	120	9	of	of	ADP
fsr-4086	120	10	using	use	VERB
fsr-4086	120	11	a	a	DET
fsr-4086	120	12	financial	financial	ADJ
fsr-4086	120	13	calculator	calculator	NOUN
fsr-4086	120	14	to	to	PART
fsr-4086	120	15	teach	teach	VERB
fsr-4086	120	16	tvm	tvm	PROPN
fsr-4086	120	17	concepts	concept	NOUN
fsr-4086	120	18	to	to	PART
fsr-4086	120	19	undergraduate	undergraduate	VERB
fsr-4086	120	20	students	student	NOUN
fsr-4086	120	21	in	in	ADP
fsr-4086	120	22	personal	personal	ADJ
fsr-4086	120	23	financial	financial	ADJ
fsr-4086	120	24	planning	planning	NOUN
fsr-4086	120	25	.	.	PUNCT
fsr-4086	121	1	this	this	DET
fsr-4086	121	2	finding	finding	NOUN
fsr-4086	121	3	is	be	AUX
fsr-4086	121	4	limited	limited	ADJ
fsr-4086	121	5	,	,	PUNCT
fsr-4086	121	6	however	however	ADV
fsr-4086	121	7	,	,	PUNCT
fsr-4086	121	8	by	by	ADP
fsr-4086	121	9	the	the	DET
fsr-4086	121	10	fact	fact	NOUN
fsr-4086	121	11	that	that	SCONJ
fsr-4086	121	12	all	all	DET
fsr-4086	121	13	students	student	NOUN
fsr-4086	121	14	were	be	AUX
fsr-4086	121	15	taught	teach	VERB
fsr-4086	121	16	how	how	SCONJ
fsr-4086	121	17	to	to	PART
fsr-4086	121	18	use	use	VERB
fsr-4086	121	19	a	a	DET
fsr-4086	121	20	financial	financial	ADJ
fsr-4086	121	21	calculator	calculator	NOUN
fsr-4086	121	22	within	within	ADP
fsr-4086	121	23	the	the	DET
fsr-4086	121	24	course	course	NOUN
fsr-4086	121	25	before	before	ADP
fsr-4086	121	26	this	this	DET
fsr-4086	121	27	study	study	NOUN
fsr-4086	121	28	’s	’s	PART
fsr-4086	121	29	interventions	intervention	NOUN
fsr-4086	121	30	,	,	PUNCT
fsr-4086	121	31	and	and	CCONJ
fsr-4086	121	32	subsequent	subsequent	ADJ
fsr-4086	121	33	learning	learning	NOUN
fsr-4086	121	34	was	be	AUX
fsr-4086	121	35	on	on	ADP
fsr-4086	121	36	that	that	DET
fsr-4086	121	37	foundation	foundation	NOUN
fsr-4086	121	38	.	.	PUNCT
fsr-4086	122	1	table	table	NOUN
fsr-4086	122	2	4	4	NUM
fsr-4086	122	3	.	.	PUNCT
fsr-4086	123	1	regression	regression	NOUN
fsr-4086	123	2	of	of	ADP
fsr-4086	123	3	intervention	intervention	NOUN
fsr-4086	123	4	on	on	ADP
fsr-4086	123	5	score	score	NOUN
fsr-4086	123	6	gain	gain	PROPN
fsr-4086	123	7	coeff	coeff	PROPN
fsr-4086	123	8	se	se	PROPN
fsr-4086	123	9	95	95	NUM
fsr-4086	123	10	%	%	NOUN
fsr-4086	123	11	confidence	confidence	NOUN
fsr-4086	123	12	interval	interval	NOUN
fsr-4086	123	13	excel	excel	VERB
fsr-4086	123	14	0.889	0.889	NUM
fsr-4086	123	15	0.732	0.732	NUM
fsr-4086	123	16	-0.563	-0.563	NUM
fsr-4086	123	17	2.340	2.340	NUM
fsr-4086	123	18	calculator	calculator	NOUN
fsr-4086	123	19	1.545	1.545	NUM
fsr-4086	123	20	*	*	NUM
fsr-4086	123	21	0.729	0.729	NUM
fsr-4086	123	22	0.0988	0.0988	NUM
fsr-4086	123	23	2.991	2.991	NUM
fsr-4086	123	24	excel	excel	NOUN
fsr-4086	123	25	+	+	NUM
fsr-4086	123	26	calculator	calculator	NOUN
fsr-4086	123	27	0.545	0.545	NUM
fsr-4086	123	28	0.729	0.729	NUM
fsr-4086	123	29	-0.901	-0.901	NUM
fsr-4086	123	30	1.991	1.991	NUM
fsr-4086	123	31	constant	constant	ADJ
fsr-4086	123	32	-0.889	-0.889	NOUN
fsr-4086	123	33	0.644	0.644	NUM
fsr-4086	123	34	-2.167	-2.167	NUM
fsr-4086	123	35	0.389	0.389	NUM
fsr-4086	123	36	model	model	NOUN
fsr-4086	123	37	fit	fit	ADJ
fsr-4086	123	38	statistics	statistic	NOUN
fsr-4086	123	39	r	r	X
fsr-4086	123	40	-	-	PUNCT
fsr-4086	123	41	squared	square	VERB
fsr-4086	123	42	0.062	0.062	NUM
fsr-4086	123	43	adjusted	adjust	VERB
fsr-4086	123	44	r	r	NOUN
fsr-4086	123	45	-	-	PUNCT
fsr-4086	123	46	squared	square	VERB
fsr-4086	123	47	0.034	0.034	NUM
fsr-4086	123	48	*	*	PUNCT
fsr-4086	123	49	significant	significant	ADJ
fsr-4086	123	50	at	at	ADP
fsr-4086	123	51	p	p	X
fsr-4086	123	52	<	<	X
fsr-4086	123	53	0.05	0.05	NUM
fsr-4086	123	54	they	they	PRON
fsr-4086	123	55	were	be	AUX
fsr-4086	123	56	also	also	ADV
fsr-4086	123	57	offered	offer	VERB
fsr-4086	123	58	support	support	NOUN
fsr-4086	123	59	and	and	CCONJ
fsr-4086	123	60	resources	resource	NOUN
fsr-4086	123	61	geared	gear	VERB
fsr-4086	123	62	toward	toward	ADP
fsr-4086	123	63	using	use	VERB
fsr-4086	123	64	the	the	DET
fsr-4086	123	65	financial	financial	ADJ
fsr-4086	123	66	calculator	calculator	NOUN
fsr-4086	123	67	instead	instead	ADV
fsr-4086	123	68	of	of	ADP
fsr-4086	123	69	excel	excel	NOUN
fsr-4086	123	70	,	,	PUNCT
fsr-4086	123	71	including	include	VERB
fsr-4086	123	72	a	a	DET
fsr-4086	123	73	lecture	lecture	NOUN
fsr-4086	123	74	and	and	CCONJ
fsr-4086	123	75	recorded	record	VERB
fsr-4086	123	76	videos	video	NOUN
fsr-4086	123	77	.	.	PUNCT
fsr-4086	124	1	past	past	ADJ
fsr-4086	124	2	sections	section	NOUN
fsr-4086	124	3	of	of	ADP
fsr-4086	124	4	this	this	DET
fsr-4086	124	5	course	course	NOUN
fsr-4086	124	6	only	only	ADV
fsr-4086	124	7	used	use	VERB
fsr-4086	124	8	the	the	DET
fsr-4086	124	9	financial	financial	ADJ
fsr-4086	124	10	calculator	calculator	NOUN
fsr-4086	124	11	,	,	PUNCT
fsr-4086	124	12	so	so	ADV
fsr-4086	124	13	assigned	assign	VERB
fsr-4086	124	14	course	course	NOUN
fsr-4086	124	15	peer	peer	NOUN
fsr-4086	124	16	mentors	mentor	NOUN
fsr-4086	124	17	would	would	AUX
fsr-4086	124	18	have	have	AUX
fsr-4086	124	19	been	be	AUX
fsr-4086	124	20	able	able	ADJ
fsr-4086	124	21	to	to	PART
fsr-4086	124	22	assist	assist	VERB
fsr-4086	124	23	with	with	ADP
fsr-4086	124	24	the	the	DET
fsr-4086	124	25	calculator	calculator	NOUN
fsr-4086	124	26	,	,	PUNCT
fsr-4086	124	27	but	but	CCONJ
fsr-4086	124	28	not	not	PART
fsr-4086	124	29	excel	excel	VERB
fsr-4086	124	30	.	.	PUNCT
fsr-4086	125	1	the	the	DET
fsr-4086	125	2	intervention	intervention	NOUN
fsr-4086	125	3	groups	group	NOUN
fsr-4086	125	4	were	be	AUX
fsr-4086	125	5	not	not	PART
fsr-4086	125	6	pre	pre	VERB
fsr-4086	125	7	-	-	VERB
fsr-4086	125	8	tested	test	VERB
fsr-4086	125	9	for	for	ADP
fsr-4086	125	10	more	more	ADV
fsr-4086	125	11	accurate	accurate	ADJ
fsr-4086	125	12	sorting	sorting	NOUN
fsr-4086	125	13	.	.	PUNCT
fsr-4086	126	1	this	this	PRON
fsr-4086	126	2	resulted	result	VERB
fsr-4086	126	3	in	in	ADP
fsr-4086	126	4	an	an	DET
fsr-4086	126	5	interesting	interesting	ADJ
fsr-4086	126	6	finding	finding	NOUN
fsr-4086	126	7	which	which	PRON
fsr-4086	126	8	confirmed	confirm	VERB
fsr-4086	126	9	the	the	DET
fsr-4086	126	10	usefulness	usefulness	NOUN
fsr-4086	126	11	of	of	ADP
fsr-4086	126	12	continuing	continue	VERB
fsr-4086	126	13	historical	historical	ADJ
fsr-4086	126	14	methods	method	NOUN
fsr-4086	126	15	,	,	PUNCT
fsr-4086	126	16	i.e.	i.e.	X
fsr-4086	126	17	,	,	PUNCT
fsr-4086	126	18	using	use	VERB
fsr-4086	126	19	a	a	DET
fsr-4086	126	20	financial	financial	ADJ
fsr-4086	126	21	calculator	calculator	NOUN
fsr-4086	126	22	to	to	PART
fsr-4086	126	23	teach	teach	VERB
fsr-4086	126	24	tvm	tvm	PROPN
fsr-4086	126	25	.	.	PUNCT
fsr-4086	127	1	two	two	NUM
fsr-4086	127	2	factors	factor	NOUN
fsr-4086	127	3	,	,	PUNCT
fsr-4086	127	4	scores	score	NOUN
fsr-4086	127	5	correlated	correlate	VERB
fsr-4086	127	6	with	with	ADP
fsr-4086	127	7	higher	high	ADJ
fsr-4086	127	8	overall	overall	ADJ
fsr-4086	127	9	grades	grade	NOUN
fsr-4086	127	10	and	and	CCONJ
fsr-4086	127	11	improvements	improvement	NOUN
fsr-4086	127	12	being	be	AUX
fsr-4086	127	13	ascribed	ascribe	VERB
fsr-4086	127	14	to	to	ADP
fsr-4086	127	15	lower	low	ADJ
fsr-4086	127	16	initial	initial	ADJ
fsr-4086	127	17	scores	score	NOUN
fsr-4086	127	18	,	,	PUNCT
fsr-4086	127	19	were	be	AUX
fsr-4086	127	20	counteracted	counteract	VERB
fsr-4086	127	21	by	by	ADP
fsr-4086	127	22	the	the	DET
fsr-4086	127	23	slightly	slightly	ADV
fsr-4086	127	24	unbalanced	unbalanced	ADJ
fsr-4086	127	25	populations	population	NOUN
fsr-4086	127	26	.	.	PUNCT
fsr-4086	128	1	it	it	PRON
fsr-4086	128	2	could	could	AUX
fsr-4086	128	3	be	be	AUX
fsr-4086	128	4	assumed	assume	VERB
fsr-4086	128	5	that	that	SCONJ
fsr-4086	128	6	the	the	DET
fsr-4086	128	7	group	group	NOUN
fsr-4086	128	8	with	with	ADP
fsr-4086	128	9	the	the	DET
fsr-4086	128	10	highest	high	ADJ
fsr-4086	128	11	grades	grade	NOUN
fsr-4086	128	12	would	would	AUX
fsr-4086	128	13	perform	perform	VERB
fsr-4086	128	14	the	the	DET
fsr-4086	128	15	best	good	ADJ
fsr-4086	128	16	.	.	PUNCT
fsr-4086	129	1	instead	instead	ADV
fsr-4086	129	2	,	,	PUNCT
fsr-4086	129	3	the	the	DET
fsr-4086	129	4	calculator	calculator	NOUN
fsr-4086	129	5	-	-	PUNCT
fsr-4086	129	6	only	only	ADV
fsr-4086	129	7	group	group	NOUN
fsr-4086	129	8	had	have	VERB
fsr-4086	129	9	the	the	DET
fsr-4086	129	10	lowest	low	ADJ
fsr-4086	129	11	overall	overall	ADJ
fsr-4086	129	12	grades	grade	NOUN
fsr-4086	129	13	in	in	ADP
fsr-4086	129	14	the	the	DET
fsr-4086	129	15	class	class	NOUN
fsr-4086	129	16	and	and	CCONJ
fsr-4086	129	17	yet	yet	ADV
fsr-4086	129	18	improved	improve	VERB
fsr-4086	129	19	the	the	DET
fsr-4086	129	20	most	most	ADJ
fsr-4086	129	21	from	from	ADP
fsr-4086	129	22	e1	e1	PROPN
fsr-4086	129	23	to	to	ADP
fsr-4086	129	24	e2	e2	PROPN
fsr-4086	129	25	.	.	PUNCT
fsr-4086	130	1	further	far	ADV
fsr-4086	130	2	,	,	PUNCT
fsr-4086	130	3	the	the	DET
fsr-4086	130	4	calculator	calculator	NOUN
fsr-4086	130	5	-	-	PUNCT
fsr-4086	130	6	only	only	ADV
fsr-4086	130	7	group	group	NOUN
fsr-4086	130	8	erased	erase	VERB
fsr-4086	130	9	its	its	PRON
fsr-4086	130	10	gap	gap	NOUN
fsr-4086	130	11	from	from	ADP
fsr-4086	130	12	e1	e1	PROPN
fsr-4086	130	13	to	to	ADP
fsr-4086	130	14	e2	e2	PROPN
fsr-4086	130	15	and	and	CCONJ
fsr-4086	130	16	performed	perform	VERB
fsr-4086	130	17	similarly	similarly	ADV
fsr-4086	130	18	on	on	ADP
fsr-4086	130	19	e2	e2	PROPN
fsr-4086	130	20	compared	compare	VERB
fsr-4086	130	21	to	to	ADP
fsr-4086	130	22	the	the	DET
fsr-4086	130	23	group	group	NOUN
fsr-4086	130	24	with	with	ADP
fsr-4086	130	25	the	the	DET
fsr-4086	130	26	highest	high	ADJ
fsr-4086	130	27	grades	grade	NOUN
fsr-4086	130	28	(	(	PUNCT
fsr-4086	130	29	the	the	DET
fsr-4086	130	30	excel	excel	VERB
fsr-4086	130	31	-	-	PUNCT
fsr-4086	130	32	only	only	ADV
fsr-4086	130	33	group	group	NOUN
fsr-4086	130	34	)	)	PUNCT
fsr-4086	130	35	.	.	PUNCT
fsr-4086	131	1	to	to	PART
fsr-4086	131	2	counteract	counteract	VERB
fsr-4086	131	3	improvements	improvement	NOUN
fsr-4086	131	4	due	due	ADP
fsr-4086	131	5	to	to	ADP
fsr-4086	131	6	reversion	reversion	NOUN
fsr-4086	131	7	to	to	ADP
fsr-4086	131	8	the	the	DET
fsr-4086	131	9	means	mean	NOUN
fsr-4086	131	10	,	,	PUNCT
fsr-4086	131	11	the	the	DET
fsr-4086	131	12	two	two	NUM
fsr-4086	131	13	groups	group	NOUN
fsr-4086	131	14	had	have	VERB
fsr-4086	131	15	similar	similar	ADJ
fsr-4086	131	16	e2	e2	NOUN
fsr-4086	131	17	scores	score	NOUN
fsr-4086	131	18	,	,	PUNCT
fsr-4086	131	19	but	but	CCONJ
fsr-4086	131	20	only	only	ADV
fsr-4086	131	21	one	one	NUM
fsr-4086	131	22	group	group	NOUN
fsr-4086	131	23	had	have	VERB
fsr-4086	131	24	a	a	DET
fsr-4086	131	25	statistically	statistically	ADV
fsr-4086	131	26	significant	significant	ADJ
fsr-4086	131	27	improvement	improvement	NOUN
fsr-4086	131	28	between	between	ADP
fsr-4086	131	29	e1	e1	PROPN
fsr-4086	131	30	and	and	CCONJ
fsr-4086	131	31	e2	e2	PROPN
fsr-4086	131	32	.	.	PUNCT
fsr-4086	132	1	it	it	PRON
fsr-4086	132	2	is	be	AUX
fsr-4086	132	3	certainly	certainly	ADV
fsr-4086	132	4	possible	possible	ADJ
fsr-4086	132	5	that	that	SCONJ
fsr-4086	132	6	students	student	NOUN
fsr-4086	132	7	gravitated	gravitate	VERB
fsr-4086	132	8	to	to	ADP
fsr-4086	132	9	the	the	DET
fsr-4086	132	10	financial	financial	ADJ
fsr-4086	132	11	calculator	calculator	NOUN
fsr-4086	132	12	–	–	PUNCT
fsr-4086	132	13	and	and	CCONJ
fsr-4086	132	14	performed	perform	VERB
fsr-4086	132	15	well	well	ADV
fsr-4086	132	16	using	use	VERB
fsr-4086	132	17	this	this	DET
fsr-4086	132	18	tool	tool	NOUN
fsr-4086	132	19	–	–	PUNCT
fsr-4086	132	20	simply	simply	ADV
fsr-4086	132	21	due	due	ADP
fsr-4086	132	22	to	to	ADP
fsr-4086	132	23	its	its	PRON
fsr-4086	132	24	structural	structural	ADJ
fsr-4086	132	25	entrenchment	entrenchment	NOUN
fsr-4086	132	26	in	in	ADP
fsr-4086	132	27	the	the	DET
fsr-4086	132	28	teaching	teaching	NOUN
fsr-4086	132	29	of	of	ADP
fsr-4086	132	30	tvm	tvm	PROPN
fsr-4086	132	31	.	.	PUNCT
fsr-4086	133	1	after	after	ADV
fsr-4086	133	2	all	all	ADV
fsr-4086	133	3	,	,	PUNCT
fsr-4086	133	4	the	the	DET
fsr-4086	133	5	syllabus	syllabus	NOUN
fsr-4086	133	6	encourages	encourage	VERB
fsr-4086	133	7	students	student	NOUN
fsr-4086	133	8	to	to	PART
fsr-4086	133	9	buy	buy	VERB
fsr-4086	133	10	a	a	DET
fsr-4086	133	11	financial	financial	ADJ
fsr-4086	133	12	calculator	calculator	NOUN
fsr-4086	133	13	but	but	CCONJ
fsr-4086	133	14	mentions	mention	VERB
fsr-4086	133	15	nothing	nothing	PRON
fsr-4086	133	16	of	of	ADP
fsr-4086	133	17	excel	excel	NOUN
fsr-4086	133	18	.	.	PUNCT
fsr-4086	134	1	even	even	ADV
fsr-4086	134	2	outside	outside	ADP
fsr-4086	134	3	of	of	ADP
fsr-4086	134	4	the	the	DET
fsr-4086	134	5	historical	historical	ADJ
fsr-4086	134	6	use	use	NOUN
fsr-4086	134	7	of	of	ADP
fsr-4086	134	8	the	the	DET
fsr-4086	134	9	financial	financial	ADJ
fsr-4086	134	10	calculator	calculator	NOUN
fsr-4086	134	11	to	to	PART
fsr-4086	134	12	teach	teach	VERB
fsr-4086	134	13	tvm	tvm	PROPN
fsr-4086	134	14	,	,	PUNCT
fsr-4086	134	15	a	a	DET
fsr-4086	134	16	brief	brief	ADJ
fsr-4086	134	17	survey	survey	NOUN
fsr-4086	134	18	of	of	ADP
fsr-4086	134	19	online	online	ADJ
fsr-4086	134	20	resources	resource	NOUN
fsr-4086	134	21	shows	show	VERB
fsr-4086	134	22	financial	financial	ADJ
fsr-4086	134	23	calculator	calculator	NOUN
fsr-4086	134	24	videos	video	NOUN
fsr-4086	134	25	and	and	CCONJ
fsr-4086	134	26	study	study	NOUN
fsr-4086	134	27	materials	material	NOUN
fsr-4086	134	28	are	be	AUX
fsr-4086	134	29	more	more	ADV
fsr-4086	134	30	readily	readily	ADV
fsr-4086	134	31	available	available	ADJ
fsr-4086	134	32	for	for	ADP
fsr-4086	134	33	students	student	NOUN
fsr-4086	134	34	studying	study	VERB
fsr-4086	134	35	tvm	tvm	PROPN
fsr-4086	134	36	.	.	PUNCT
fsr-4086	135	1	prerecorded	prerecord	VERB
fsr-4086	135	2	lectures	lecture	NOUN
fsr-4086	135	3	from	from	ADP
fsr-4086	135	4	previous	previous	ADJ
fsr-4086	135	5	years	year	NOUN
fsr-4086	135	6	are	be	AUX
fsr-4086	135	7	also	also	ADV
fsr-4086	135	8	available	available	ADJ
fsr-4086	135	9	and	and	CCONJ
fsr-4086	135	10	solely	solely	ADV
fsr-4086	135	11	demonstrate	demonstrate	VERB
fsr-4086	135	12	effective	effective	ADJ
fsr-4086	135	13	use	use	NOUN
fsr-4086	135	14	of	of	ADP
fsr-4086	135	15	a	a	DET
fsr-4086	135	16	financial	financial	ADJ
fsr-4086	135	17	calculator	calculator	NOUN
fsr-4086	135	18	.	.	PUNCT
fsr-4086	136	1	efforts	effort	NOUN
fsr-4086	136	2	from	from	ADP
fsr-4086	136	3	this	this	DET
fsr-4086	136	4	study	study	NOUN
fsr-4086	136	5	and	and	CCONJ
fsr-4086	136	6	others	other	NOUN
fsr-4086	136	7	trying	try	VERB
fsr-4086	136	8	to	to	PART
fsr-4086	136	9	introduce	introduce	VERB
fsr-4086	136	10	new	new	ADJ
fsr-4086	136	11	tools	tool	NOUN
fsr-4086	136	12	(	(	PUNCT
fsr-4086	136	13	i.e.	i.e.	X
fsr-4086	136	14	excel	excel	NOUN
fsr-4086	136	15	)	)	PUNCT
fsr-4086	136	16	and	and	CCONJ
fsr-4086	136	17	methods	method	NOUN
fsr-4086	136	18	to	to	PART
fsr-4086	136	19	teach	teach	VERB
fsr-4086	136	20	tvm	tvm	PROPN
fsr-4086	136	21	face	face	NOUN
fsr-4086	136	22	significant	significant	ADJ
fsr-4086	136	23	headwinds	headwind	NOUN
fsr-4086	136	24	going	go	VERB
fsr-4086	136	25	against	against	ADP
fsr-4086	136	26	the	the	DET
fsr-4086	136	27	traditional	traditional	ADJ
fsr-4086	136	28	teaching	teaching	NOUN
fsr-4086	136	29	methods	method	NOUN
fsr-4086	136	30	.	.	PUNCT
fsr-4086	137	1	given	give	VERB
fsr-4086	137	2	that	that	DET
fsr-4086	137	3	software	software	NOUN
fsr-4086	137	4	such	such	ADJ
fsr-4086	137	5	as	as	ADP
fsr-4086	137	6	excel	excel	NOUN
fsr-4086	137	7	can	can	AUX
fsr-4086	137	8	be	be	AUX
fsr-4086	137	9	intimidating	intimidate	VERB
fsr-4086	137	10	to	to	PART
fsr-4086	137	11	master	master	VERB
fsr-4086	137	12	,	,	PUNCT
fsr-4086	137	13	and	and	CCONJ
fsr-4086	137	14	financial	financial	ADJ
fsr-4086	137	15	calculator	calculator	NOUN
fsr-4086	137	16	tools	tool	NOUN
fsr-4086	137	17	are	be	AUX
fsr-4086	137	18	readily	readily	ADV
fsr-4086	137	19	available	available	ADJ
fsr-4086	137	20	,	,	PUNCT
fsr-4086	137	21	it	it	PRON
fsr-4086	137	22	is	be	AUX
fsr-4086	137	23	perhaps	perhaps	ADV
fsr-4086	137	24	difficult	difficult	ADJ
fsr-4086	137	25	to	to	PART
fsr-4086	137	26	have	have	VERB
fsr-4086	137	27	students	student	NOUN
fsr-4086	137	28	transition	transition	VERB
fsr-4086	137	29	to	to	ADP
fsr-4086	137	30	a	a	DET
fsr-4086	137	31	new	new	ADJ
fsr-4086	137	32	way	way	NOUN
fsr-4086	137	33	of	of	ADP
fsr-4086	137	34	dealing	deal	VERB
fsr-4086	137	35	with	with	ADP
fsr-4086	137	36	the	the	DET
fsr-4086	137	37	problems	problem	NOUN
fsr-4086	137	38	.	.	PUNCT
fsr-4086	138	1	in	in	ADP
fsr-4086	138	2	other	other	ADJ
fsr-4086	138	3	words	word	NOUN
fsr-4086	138	4	,	,	PUNCT
fsr-4086	138	5	our	our	PRON
fsr-4086	138	6	findings	finding	NOUN
fsr-4086	138	7	might	might	AUX
fsr-4086	138	8	be	be	AUX
fsr-4086	138	9	a	a	DET
fsr-4086	138	10	nod	nod	NOUN
fsr-4086	138	11	to	to	ADP
fsr-4086	138	12	entrenched	entrench	VERB
fsr-4086	138	13	structural	structural	ADJ
fsr-4086	138	14	support	support	NOUN
fsr-4086	138	15	more	more	ADV
fsr-4086	138	16	so	so	ADV
fsr-4086	138	17	than	than	SCONJ
fsr-4086	138	18	a	a	DET
fsr-4086	138	19	win	win	NOUN
fsr-4086	138	20	for	for	ADP
fsr-4086	138	21	a	a	DET
fsr-4086	138	22	specific	specific	ADJ
fsr-4086	138	23	anderson	anderson	PROPN
fsr-4086	138	24	&	&	CCONJ
fsr-4086	138	25	gray	gray	ADJ
fsr-4086	138	26	69	69	NUM
fsr-4086	138	27	educational	educational	ADJ
fsr-4086	138	28	intervention	intervention	NOUN
fsr-4086	138	29	,	,	PUNCT
fsr-4086	138	30	especially	especially	ADV
fsr-4086	138	31	considering	consider	VERB
fsr-4086	138	32	the	the	DET
fsr-4086	138	33	youtube	youtube	ADJ
fsr-4086	138	34	average	average	ADJ
fsr-4086	138	35	view	view	NOUN
fsr-4086	138	36	duration	duration	NOUN
fsr-4086	138	37	and	and	CCONJ
fsr-4086	138	38	total	total	ADJ
fsr-4086	138	39	watch	watch	PROPN
fsr-4086	138	40	times	time	NOUN
fsr-4086	138	41	for	for	ADP
fsr-4086	138	42	the	the	DET
fsr-4086	138	43	excel	excel	NOUN
fsr-4086	138	44	intervention	intervention	NOUN
fsr-4086	138	45	were	be	AUX
fsr-4086	138	46	greater	great	ADJ
fsr-4086	138	47	than	than	ADP
fsr-4086	138	48	for	for	ADP
fsr-4086	138	49	the	the	DET
fsr-4086	138	50	financial	financial	ADJ
fsr-4086	138	51	calculator	calculator	NOUN
fsr-4086	138	52	.	.	PUNCT
fsr-4086	139	1	it	it	PRON
fsr-4086	139	2	may	may	AUX
fsr-4086	139	3	simply	simply	ADV
fsr-4086	139	4	be	be	AUX
fsr-4086	139	5	more	more	ADV
fsr-4086	139	6	effective	effective	ADJ
fsr-4086	139	7	to	to	PART
fsr-4086	139	8	continue	continue	VERB
fsr-4086	139	9	teaching	teach	VERB
fsr-4086	139	10	tvm	tvm	PROPN
fsr-4086	139	11	using	use	VERB
fsr-4086	139	12	whatever	whatever	DET
fsr-4086	139	13	method	method	NOUN
fsr-4086	139	14	with	with	ADP
fsr-4086	139	15	which	which	PRON
fsr-4086	139	16	students	student	NOUN
fsr-4086	139	17	are	be	AUX
fsr-4086	139	18	most	most	ADV
fsr-4086	139	19	familiar	familiar	ADJ
fsr-4086	139	20	.	.	PUNCT
fsr-4086	140	1	theoretically	theoretically	ADV
fsr-4086	140	2	,	,	PUNCT
fsr-4086	140	3	processing	process	VERB
fsr-4086	140	4	information	information	NOUN
fsr-4086	140	5	using	use	VERB
fsr-4086	140	6	different	different	ADJ
fsr-4086	140	7	methods	method	NOUN
fsr-4086	140	8	would	would	AUX
fsr-4086	140	9	expand	expand	VERB
fsr-4086	140	10	knowledge	knowledge	NOUN
fsr-4086	140	11	and	and	CCONJ
fsr-4086	140	12	understanding	understanding	NOUN
fsr-4086	140	13	.	.	PUNCT
fsr-4086	141	1	this	this	PRON
fsr-4086	141	2	may	may	AUX
fsr-4086	141	3	be	be	AUX
fsr-4086	141	4	true	true	ADJ
fsr-4086	141	5	once	once	SCONJ
fsr-4086	141	6	the	the	DET
fsr-4086	141	7	individuals	individual	NOUN
fsr-4086	141	8	have	have	AUX
fsr-4086	141	9	somewhat	somewhat	ADV
fsr-4086	141	10	mastered	master	VERB
fsr-4086	141	11	one	one	NUM
fsr-4086	141	12	method	method	NOUN
fsr-4086	141	13	before	before	ADP
fsr-4086	141	14	being	be	AUX
fsr-4086	141	15	introduced	introduce	VERB
fsr-4086	141	16	to	to	ADP
fsr-4086	141	17	another	another	PRON
fsr-4086	141	18	.	.	PUNCT
fsr-4086	142	1	data	datum	NOUN
fsr-4086	142	2	collected	collect	VERB
fsr-4086	142	3	from	from	ADP
fsr-4086	142	4	youtube	youtube	NOUN
fsr-4086	142	5	showed	show	VERB
fsr-4086	142	6	limited	limited	ADJ
fsr-4086	142	7	student	student	NOUN
fsr-4086	142	8	engagement	engagement	NOUN
fsr-4086	142	9	with	with	ADP
fsr-4086	142	10	the	the	DET
fsr-4086	142	11	interventions	intervention	NOUN
fsr-4086	142	12	,	,	PUNCT
fsr-4086	142	13	given	give	VERB
fsr-4086	142	14	that	that	SCONJ
fsr-4086	142	15	the	the	DET
fsr-4086	142	16	average	average	ADJ
fsr-4086	142	17	viewing	viewing	NOUN
fsr-4086	142	18	time	time	NOUN
fsr-4086	142	19	for	for	ADP
fsr-4086	142	20	videos	video	NOUN
fsr-4086	142	21	was	be	AUX
fsr-4086	142	22	significantly	significantly	ADV
fsr-4086	142	23	lower	low	ADJ
fsr-4086	142	24	than	than	ADP
fsr-4086	142	25	their	their	PRON
fsr-4086	142	26	full	full	ADJ
fsr-4086	142	27	length	length	NOUN
fsr-4086	142	28	.	.	PUNCT
fsr-4086	143	1	in	in	ADP
fsr-4086	143	2	other	other	ADJ
fsr-4086	143	3	words	word	NOUN
fsr-4086	143	4	,	,	PUNCT
fsr-4086	143	5	even	even	ADV
fsr-4086	143	6	though	though	SCONJ
fsr-4086	143	7	the	the	DET
fsr-4086	143	8	study	study	NOUN
fsr-4086	143	9	participants	participant	NOUN
fsr-4086	143	10	assented	assent	VERB
fsr-4086	143	11	to	to	ADP
fsr-4086	143	12	the	the	DET
fsr-4086	143	13	qualtrics	qualtric	NOUN
fsr-4086	143	14	question	question	NOUN
fsr-4086	143	15	“	"	PUNCT
fsr-4086	143	16	i	i	PRON
fsr-4086	143	17	have	have	AUX
fsr-4086	143	18	watched	watch	VERB
fsr-4086	143	19	the	the	DET
fsr-4086	143	20	video	video	NOUN
fsr-4086	143	21	and	and	CCONJ
fsr-4086	143	22	followed	follow	VERB
fsr-4086	143	23	along	along	ADP
fsr-4086	143	24	with	with	ADP
fsr-4086	143	25	the	the	DET
fsr-4086	143	26	exercises	exercise	NOUN
fsr-4086	143	27	,	,	PUNCT
fsr-4086	143	28	”	"	PUNCT
fsr-4086	143	29	youtube	youtube	NOUN
fsr-4086	143	30	analytics	analytic	NOUN
fsr-4086	143	31	showed	show	VERB
fsr-4086	143	32	this	this	PRON
fsr-4086	143	33	was	be	AUX
fsr-4086	143	34	not	not	PART
fsr-4086	143	35	the	the	DET
fsr-4086	143	36	case	case	NOUN
fsr-4086	143	37	for	for	ADP
fsr-4086	143	38	all	all	DET
fsr-4086	143	39	students	student	NOUN
fsr-4086	143	40	.	.	PUNCT
fsr-4086	144	1	this	this	PRON
fsr-4086	144	2	might	might	AUX
fsr-4086	144	3	help	help	VERB
fsr-4086	144	4	explain	explain	VERB
fsr-4086	144	5	the	the	DET
fsr-4086	144	6	perplexing	perplexing	ADJ
fsr-4086	144	7	contrast	contrast	NOUN
fsr-4086	144	8	between	between	ADP
fsr-4086	144	9	score	score	NOUN
fsr-4086	144	10	gains	gain	NOUN
fsr-4086	144	11	for	for	ADP
fsr-4086	144	12	the	the	DET
fsr-4086	144	13	financial	financial	ADJ
fsr-4086	144	14	calculator	calculator	NOUN
fsr-4086	144	15	,	,	PUNCT
fsr-4086	144	16	yet	yet	CCONJ
fsr-4086	144	17	a	a	DET
fsr-4086	144	18	potential	potential	ADJ
fsr-4086	144	19	drop	drop	NOUN
fsr-4086	144	20	when	when	SCONJ
fsr-4086	144	21	exposed	expose	VERB
fsr-4086	144	22	to	to	ADP
fsr-4086	144	23	both	both	DET
fsr-4086	144	24	the	the	DET
fsr-4086	144	25	excel	excel	ADJ
fsr-4086	144	26	and	and	CCONJ
fsr-4086	144	27	financial	financial	ADJ
fsr-4086	144	28	calculator	calculator	NOUN
fsr-4086	144	29	interventions	intervention	NOUN
fsr-4086	144	30	.	.	PUNCT
fsr-4086	145	1	the	the	DET
fsr-4086	145	2	drop	drop	NOUN
fsr-4086	145	3	in	in	ADP
fsr-4086	145	4	score	score	NOUN
fsr-4086	145	5	might	might	AUX
fsr-4086	145	6	be	be	AUX
fsr-4086	145	7	explained	explain	VERB
fsr-4086	145	8	by	by	ADP
fsr-4086	145	9	the	the	DET
fsr-4086	145	10	longer	long	ADJ
fsr-4086	145	11	intervention	intervention	NOUN
fsr-4086	145	12	time	time	NOUN
fsr-4086	145	13	(	(	PUNCT
fsr-4086	145	14	i.e.	i.e.	X
fsr-4086	145	15	watching	watch	VERB
fsr-4086	145	16	two	two	NUM
fsr-4086	145	17	videos	video	NOUN
fsr-4086	145	18	for	for	ADP
fsr-4086	145	19	1	1	NUM
fsr-4086	145	20	hour	hour	NOUN
fsr-4086	145	21	versus	versus	ADP
fsr-4086	145	22	one	one	NUM
fsr-4086	145	23	for	for	ADP
fsr-4086	145	24	30	30	NUM
fsr-4086	145	25	minutes	minute	NOUN
fsr-4086	145	26	)	)	PUNCT
fsr-4086	145	27	or	or	CCONJ
fsr-4086	145	28	because	because	SCONJ
fsr-4086	145	29	students	student	NOUN
fsr-4086	145	30	became	become	VERB
fsr-4086	145	31	overwhelmed	overwhelmed	ADJ
fsr-4086	145	32	by	by	ADP
fsr-4086	145	33	learning	learn	VERB
fsr-4086	145	34	two	two	NUM
fsr-4086	145	35	different	different	ADJ
fsr-4086	145	36	methods	method	NOUN
fsr-4086	145	37	for	for	ADP
fsr-4086	145	38	tvm	tvm	PROPN
fsr-4086	145	39	calculations	calculation	NOUN
fsr-4086	145	40	.	.	PUNCT
fsr-4086	146	1	the	the	DET
fsr-4086	146	2	fact	fact	NOUN
fsr-4086	146	3	that	that	SCONJ
fsr-4086	146	4	there	there	PRON
fsr-4086	146	5	was	be	VERB
fsr-4086	146	6	limited	limited	ADJ
fsr-4086	146	7	interaction	interaction	NOUN
fsr-4086	146	8	with	with	ADP
fsr-4086	146	9	the	the	DET
fsr-4086	146	10	videos	video	NOUN
fsr-4086	146	11	postintervention	postintervention	NOUN
fsr-4086	146	12	could	could	AUX
fsr-4086	146	13	indicate	indicate	VERB
fsr-4086	146	14	that	that	SCONJ
fsr-4086	146	15	students	student	NOUN
fsr-4086	146	16	felt	feel	VERB
fsr-4086	146	17	fully	fully	ADV
fsr-4086	146	18	prepared	prepared	ADJ
fsr-4086	146	19	for	for	ADP
fsr-4086	146	20	the	the	DET
fsr-4086	146	21	upcoming	upcoming	ADJ
fsr-4086	146	22	examination	examination	NOUN
fsr-4086	146	23	or	or	CCONJ
fsr-4086	146	24	,	,	PUNCT
fsr-4086	146	25	perhaps	perhaps	ADV
fsr-4086	146	26	,	,	PUNCT
fsr-4086	146	27	they	they	PRON
fsr-4086	146	28	found	find	VERB
fsr-4086	146	29	little	little	ADJ
fsr-4086	146	30	value	value	NOUN
fsr-4086	146	31	in	in	ADP
fsr-4086	146	32	continuing	continue	VERB
fsr-4086	146	33	to	to	PART
fsr-4086	146	34	view	view	VERB
fsr-4086	146	35	them	they	PRON
fsr-4086	146	36	after	after	ADP
fsr-4086	146	37	multiple	multiple	ADJ
fsr-4086	146	38	exposures	exposure	NOUN
fsr-4086	146	39	to	to	ADP
fsr-4086	146	40	tvm	tvm	PROPN
fsr-4086	146	41	concepts	concept	NOUN
fsr-4086	146	42	within	within	ADP
fsr-4086	146	43	the	the	DET
fsr-4086	146	44	course	course	NOUN
fsr-4086	146	45	(	(	PUNCT
fsr-4086	146	46	see	see	VERB
fsr-4086	146	47	table	table	NOUN
fsr-4086	146	48	2	2	NUM
fsr-4086	146	49	)	)	PUNCT
fsr-4086	146	50	.	.	PUNCT
fsr-4086	147	1	the	the	DET
fsr-4086	147	2	practice	practice	NOUN
fsr-4086	147	3	videos	video	NOUN
fsr-4086	147	4	provided	provide	VERB
fsr-4086	147	5	examples	example	NOUN
fsr-4086	147	6	of	of	ADP
fsr-4086	147	7	10	10	NUM
fsr-4086	147	8	calculations	calculation	NOUN
fsr-4086	147	9	each	each	PRON
fsr-4086	147	10	,	,	PUNCT
fsr-4086	147	11	and	and	CCONJ
fsr-4086	147	12	students	student	NOUN
fsr-4086	147	13	may	may	AUX
fsr-4086	147	14	have	have	AUX
fsr-4086	147	15	skipped	skip	VERB
fsr-4086	147	16	solutions	solution	NOUN
fsr-4086	147	17	to	to	PART
fsr-4086	147	18	check	check	VERB
fsr-4086	147	19	understanding	understanding	NOUN
fsr-4086	147	20	and	and	CCONJ
fsr-4086	147	21	stopped	stop	VERB
fsr-4086	147	22	after	after	SCONJ
fsr-4086	147	23	a	a	DET
fsr-4086	147	24	few	few	ADJ
fsr-4086	147	25	were	be	AUX
fsr-4086	147	26	understood	understand	VERB
fsr-4086	147	27	.	.	PUNCT
fsr-4086	148	1	the	the	DET
fsr-4086	148	2	similar	similar	ADJ
fsr-4086	148	3	question	question	NOUN
fsr-4086	148	4	structure	structure	NOUN
fsr-4086	148	5	between	between	ADP
fsr-4086	148	6	the	the	DET
fsr-4086	148	7	quizzes	quiz	NOUN
fsr-4086	148	8	and	and	CCONJ
fsr-4086	148	9	exams	exam	NOUN
fsr-4086	148	10	could	could	AUX
fsr-4086	148	11	have	have	AUX
fsr-4086	148	12	played	play	VERB
fsr-4086	148	13	a	a	DET
fsr-4086	148	14	part	part	NOUN
fsr-4086	148	15	,	,	PUNCT
fsr-4086	148	16	too	too	ADV
fsr-4086	148	17	,	,	PUNCT
fsr-4086	148	18	in	in	ADP
fsr-4086	148	19	less	less	ADJ
fsr-4086	148	20	-	-	PUNCT
fsr-4086	148	21	than	than	ADP
fsr-4086	148	22	-	-	PUNCT
fsr-4086	148	23	full	full	ADJ
fsr-4086	148	24	engagement	engagement	NOUN
fsr-4086	148	25	from	from	ADP
fsr-4086	148	26	students	student	NOUN
fsr-4086	148	27	.	.	PUNCT
fsr-4086	149	1	alternatively	alternatively	ADV
fsr-4086	149	2	,	,	PUNCT
fsr-4086	149	3	students	student	NOUN
fsr-4086	149	4	could	could	AUX
fsr-4086	149	5	have	have	AUX
fsr-4086	149	6	simply	simply	ADV
fsr-4086	149	7	skipped	skip	VERB
fsr-4086	149	8	to	to	ADP
fsr-4086	149	9	the	the	DET
fsr-4086	149	10	parts	part	NOUN
fsr-4086	149	11	of	of	ADP
fsr-4086	149	12	the	the	DET
fsr-4086	149	13	video	video	NOUN
fsr-4086	149	14	they	they	PRON
fsr-4086	149	15	found	find	VERB
fsr-4086	149	16	most	most	ADV
fsr-4086	149	17	helpful	helpful	ADJ
fsr-4086	149	18	.	.	PUNCT
fsr-4086	150	1	this	this	DET
fsr-4086	150	2	study	study	NOUN
fsr-4086	150	3	was	be	AUX
fsr-4086	150	4	not	not	PART
fsr-4086	150	5	structured	structure	VERB
fsr-4086	150	6	to	to	PART
fsr-4086	150	7	answer	answer	VERB
fsr-4086	150	8	these	these	DET
fsr-4086	150	9	questions	question	NOUN
fsr-4086	150	10	,	,	PUNCT
fsr-4086	150	11	although	although	SCONJ
fsr-4086	150	12	a	a	DET
fsr-4086	150	13	future	future	ADJ
fsr-4086	150	14	study	study	NOUN
fsr-4086	150	15	could	could	AUX
fsr-4086	150	16	do	do	VERB
fsr-4086	150	17	so	so	ADV
fsr-4086	150	18	through	through	ADP
fsr-4086	150	19	design	design	NOUN
fsr-4086	150	20	improvements	improvement	NOUN
fsr-4086	150	21	.	.	PUNCT
fsr-4086	151	1	to	to	PART
fsr-4086	151	2	expand	expand	VERB
fsr-4086	151	3	on	on	ADP
fsr-4086	151	4	potential	potential	ADJ
fsr-4086	151	5	improvements	improvement	NOUN
fsr-4086	151	6	to	to	ADP
fsr-4086	151	7	the	the	DET
fsr-4086	151	8	study	study	NOUN
fsr-4086	151	9	design	design	NOUN
fsr-4086	151	10	,	,	PUNCT
fsr-4086	151	11	the	the	DET
fsr-4086	151	12	authors	author	NOUN
fsr-4086	151	13	offer	offer	VERB
fsr-4086	151	14	the	the	DET
fsr-4086	151	15	following	following	ADJ
fsr-4086	151	16	suggestions	suggestion	NOUN
fsr-4086	151	17	.	.	PUNCT
fsr-4086	152	1	first	first	ADV
fsr-4086	152	2	,	,	PUNCT
fsr-4086	152	3	youtube	youtube	NOUN
fsr-4086	152	4	analytics	analytic	NOUN
fsr-4086	152	5	for	for	ADP
fsr-4086	152	6	video	video	NOUN
fsr-4086	152	7	interventions	intervention	NOUN
fsr-4086	152	8	and	and	CCONJ
fsr-4086	152	9	responses	response	NOUN
fsr-4086	152	10	collected	collect	VERB
fsr-4086	152	11	in	in	ADP
fsr-4086	152	12	qualtrics	qualtric	NOUN
fsr-4086	152	13	for	for	ADP
fsr-4086	152	14	the	the	DET
fsr-4086	152	15	educational	educational	ADJ
fsr-4086	152	16	intervention	intervention	NOUN
fsr-4086	152	17	could	could	AUX
fsr-4086	152	18	not	not	PART
fsr-4086	152	19	be	be	AUX
fsr-4086	152	20	merged	merge	VERB
fsr-4086	152	21	at	at	ADP
fsr-4086	152	22	the	the	DET
fsr-4086	152	23	individual	individual	ADJ
fsr-4086	152	24	response	response	NOUN
fsr-4086	152	25	level	level	NOUN
fsr-4086	152	26	,	,	PUNCT
fsr-4086	152	27	as	as	SCONJ
fsr-4086	152	28	no	no	DET
fsr-4086	152	29	unique	unique	ADJ
fsr-4086	152	30	viewer	viewer	NOUN
fsr-4086	152	31	identifying	identify	VERB
fsr-4086	152	32	information	information	NOUN
fsr-4086	152	33	was	be	AUX
fsr-4086	152	34	available	available	ADJ
fsr-4086	152	35	from	from	ADP
fsr-4086	152	36	youtube	youtube	NOUN
fsr-4086	152	37	.	.	PUNCT
fsr-4086	153	1	this	this	PRON
fsr-4086	153	2	precluded	preclude	VERB
fsr-4086	153	3	the	the	DET
fsr-4086	153	4	ability	ability	NOUN
fsr-4086	153	5	to	to	PART
fsr-4086	153	6	connect	connect	VERB
fsr-4086	153	7	watch	watch	PROPN
fsr-4086	153	8	times	time	NOUN
fsr-4086	153	9	to	to	PART
fsr-4086	153	10	exam	exam	NOUN
fsr-4086	153	11	performance	performance	NOUN
fsr-4086	153	12	or	or	CCONJ
fsr-4086	153	13	highlight	highlight	VERB
fsr-4086	153	14	potential	potential	ADJ
fsr-4086	153	15	outliers	outlier	NOUN
fsr-4086	153	16	based	base	VERB
fsr-4086	153	17	on	on	ADP
fsr-4086	153	18	engagement	engagement	NOUN
fsr-4086	153	19	,	,	PUNCT
fsr-4086	153	20	especially	especially	ADV
fsr-4086	153	21	considering	consider	VERB
fsr-4086	153	22	student	student	NOUN
fsr-4086	153	23	engagement	engagement	NOUN
fsr-4086	153	24	with	with	ADP
fsr-4086	153	25	the	the	DET
fsr-4086	153	26	videos	video	NOUN
fsr-4086	153	27	post	post	NOUN
fsr-4086	153	28	-	-	NOUN
fsr-4086	153	29	intervention	intervention	NOUN
fsr-4086	153	30	was	be	AUX
fsr-4086	153	31	very	very	ADV
fsr-4086	153	32	limited	limited	ADJ
fsr-4086	153	33	.	.	PUNCT
fsr-4086	154	1	future	future	ADJ
fsr-4086	154	2	research	research	NOUN
fsr-4086	154	3	could	could	AUX
fsr-4086	154	4	connect	connect	VERB
fsr-4086	154	5	these	these	DET
fsr-4086	154	6	two	two	NUM
fsr-4086	154	7	data	datum	NOUN
fsr-4086	154	8	sources	source	NOUN
fsr-4086	154	9	using	use	VERB
fsr-4086	154	10	an	an	DET
fsr-4086	154	11	alternative	alternative	ADJ
fsr-4086	154	12	video	video	NOUN
fsr-4086	154	13	delivery	delivery	NOUN
fsr-4086	154	14	method	method	NOUN
fsr-4086	154	15	.	.	PUNCT
fsr-4086	155	1	second	second	ADJ
fsr-4086	155	2	,	,	PUNCT
fsr-4086	155	3	a	a	DET
fsr-4086	155	4	data	data	NOUN
fsr-4086	155	5	collection	collection	NOUN
fsr-4086	155	6	of	of	ADP
fsr-4086	155	7	student	student	NOUN
fsr-4086	155	8	capabilities	capability	NOUN
fsr-4086	155	9	and	and	CCONJ
fsr-4086	155	10	experiences	experience	NOUN
fsr-4086	155	11	interacting	interact	VERB
fsr-4086	155	12	with	with	ADP
fsr-4086	155	13	the	the	DET
fsr-4086	155	14	various	various	ADJ
fsr-4086	155	15	interventions	intervention	NOUN
fsr-4086	155	16	might	might	AUX
fsr-4086	155	17	better	well	ADV
fsr-4086	155	18	explain	explain	VERB
fsr-4086	155	19	differences	difference	NOUN
fsr-4086	155	20	in	in	ADP
fsr-4086	155	21	student	student	NOUN
fsr-4086	155	22	scores	score	NOUN
fsr-4086	155	23	and	and	CCONJ
fsr-4086	155	24	engagement	engagement	NOUN
fsr-4086	155	25	.	.	PUNCT
fsr-4086	156	1	third	third	ADJ
fsr-4086	156	2	,	,	PUNCT
fsr-4086	156	3	future	future	ADJ
fsr-4086	156	4	research	research	NOUN
fsr-4086	156	5	might	might	AUX
fsr-4086	156	6	go	go	VERB
fsr-4086	156	7	beyond	beyond	ADP
fsr-4086	156	8	tvm	tvm	PROPN
fsr-4086	156	9	questions	question	NOUN
fsr-4086	156	10	that	that	PRON
fsr-4086	156	11	require	require	VERB
fsr-4086	156	12	simplistic	simplistic	ADJ
fsr-4086	156	13	manipulation	manipulation	NOUN
fsr-4086	156	14	of	of	ADP
fsr-4086	156	15	one	one	NUM
fsr-4086	156	16	missing	miss	VERB
fsr-4086	156	17	variable	variable	NOUN
fsr-4086	156	18	to	to	PART
fsr-4086	156	19	attempt	attempt	VERB
fsr-4086	156	20	a	a	DET
fsr-4086	156	21	better	well	ADJ
fsr-4086	156	22	assessment	assessment	NOUN
fsr-4086	156	23	of	of	ADP
fsr-4086	156	24	a	a	DET
fsr-4086	156	25	more	more	ADV
fsr-4086	156	26	holistic	holistic	ADJ
fsr-4086	156	27	understanding	understanding	NOUN
fsr-4086	156	28	of	of	ADP
fsr-4086	156	29	tvm	tvm	PROPN
fsr-4086	156	30	.	.	PUNCT
fsr-4086	157	1	in	in	ADP
fsr-4086	157	2	other	other	ADJ
fsr-4086	157	3	words	word	NOUN
fsr-4086	157	4	,	,	PUNCT
fsr-4086	157	5	do	do	VERB
fsr-4086	157	6	educational	educational	ADJ
fsr-4086	157	7	interventions	intervention	NOUN
fsr-4086	157	8	–	–	PUNCT
fsr-4086	157	9	with	with	ADP
fsr-4086	157	10	the	the	DET
fsr-4086	157	11	tools	tool	NOUN
fsr-4086	157	12	presented	present	VERB
fsr-4086	157	13	here	here	ADV
fsr-4086	157	14	or	or	CCONJ
fsr-4086	157	15	others	other	NOUN
fsr-4086	157	16	–	–	PUNCT
fsr-4086	157	17	help	help	VERB
fsr-4086	157	18	students	student	NOUN
fsr-4086	157	19	apply	apply	VERB
fsr-4086	157	20	tvm	tvm	PROPN
fsr-4086	157	21	concepts	concept	NOUN
fsr-4086	157	22	to	to	PART
fsr-4086	157	23	case	case	VERB
fsr-4086	157	24	studies	study	NOUN
fsr-4086	157	25	,	,	PUNCT
fsr-4086	157	26	client	client	NOUN
fsr-4086	157	27	problem	problem	NOUN
fsr-4086	157	28	solving	solving	NOUN
fsr-4086	157	29	,	,	PUNCT
fsr-4086	157	30	and	and	CCONJ
fsr-4086	157	31	real	real	ADJ
fsr-4086	157	32	-	-	PUNCT
fsr-4086	157	33	world	world	NOUN
fsr-4086	157	34	scenarios	scenario	NOUN
fsr-4086	157	35	?	?	PUNCT
fsr-4086	158	1	clt	clt	PROPN
fsr-4086	158	2	would	would	AUX
fsr-4086	158	3	bolster	bolster	VERB
fsr-4086	158	4	such	such	DET
fsr-4086	158	5	a	a	DET
fsr-4086	158	6	distinction	distinction	NOUN
fsr-4086	158	7	,	,	PUNCT
fsr-4086	158	8	as	as	SCONJ
fsr-4086	158	9	both	both	CCONJ
fsr-4086	158	10	real	real	ADJ
fsr-4086	158	11	-	-	PUNCT
fsr-4086	158	12	life	life	NOUN
fsr-4086	158	13	experience	experience	NOUN
fsr-4086	158	14	and	and	CCONJ
fsr-4086	158	15	exposure	exposure	NOUN
fsr-4086	158	16	to	to	ADP
fsr-4086	158	17	information	information	NOUN
fsr-4086	158	18	are	be	AUX
fsr-4086	158	19	ways	way	NOUN
fsr-4086	158	20	to	to	PART
fsr-4086	158	21	create	create	VERB
fsr-4086	158	22	and	and	CCONJ
fsr-4086	158	23	strengthen	strengthen	VERB
fsr-4086	158	24	new	new	ADJ
fsr-4086	158	25	learning	learning	NOUN
fsr-4086	158	26	nodes	node	NOUN
fsr-4086	158	27	yet	yet	ADV
fsr-4086	158	28	remain	remain	VERB
fsr-4086	158	29	distinctive	distinctive	ADJ
fsr-4086	158	30	paths	path	NOUN
fsr-4086	158	31	within	within	ADP
fsr-4086	158	32	the	the	DET
fsr-4086	158	33	theoretical	theoretical	ADJ
fsr-4086	158	34	framework	framework	NOUN
fsr-4086	158	35	(	(	PUNCT
fsr-4086	158	36	siemens	siemen	NOUN
fsr-4086	158	37	,	,	PUNCT
fsr-4086	158	38	2005	2005	NUM
fsr-4086	158	39	)	)	PUNCT
fsr-4086	158	40	.	.	PUNCT
fsr-4086	159	1	if	if	SCONJ
fsr-4086	159	2	one	one	NUM
fsr-4086	159	3	tool	tool	NOUN
fsr-4086	159	4	promotes	promote	VERB
fsr-4086	159	5	the	the	DET
fsr-4086	159	6	learning	learning	NOUN
fsr-4086	159	7	of	of	ADP
fsr-4086	159	8	tvm	tvm	PROPN
fsr-4086	159	9	concepts	concept	NOUN
fsr-4086	159	10	at	at	ADP
fsr-4086	159	11	a	a	DET
fsr-4086	159	12	higher	high	ADJ
fsr-4086	159	13	level	level	NOUN
fsr-4086	159	14	,	,	PUNCT
fsr-4086	159	15	its	its	PRON
fsr-4086	159	16	use	use	NOUN
fsr-4086	159	17	might	might	AUX
fsr-4086	159	18	be	be	AUX
fsr-4086	159	19	justified	justify	VERB
fsr-4086	159	20	beyond	beyond	ADP
fsr-4086	159	21	a	a	DET
fsr-4086	159	22	simple	simple	ADJ
fsr-4086	159	23	increase	increase	NOUN
fsr-4086	159	24	in	in	ADP
fsr-4086	159	25	assessment	assessment	NOUN
fsr-4086	159	26	scores	score	NOUN
fsr-4086	159	27	.	.	PUNCT
fsr-4086	160	1	conclusion	conclusion	NOUN
fsr-4086	160	2	what	what	PRON
fsr-4086	160	3	was	be	AUX
fsr-4086	160	4	learned	learn	VERB
fsr-4086	160	5	from	from	ADP
fsr-4086	160	6	this	this	DET
fsr-4086	160	7	study	study	NOUN
fsr-4086	160	8	that	that	PRON
fsr-4086	160	9	can	can	AUX
fsr-4086	160	10	benefit	benefit	VERB
fsr-4086	160	11	the	the	DET
fsr-4086	160	12	teaching	teaching	NOUN
fsr-4086	160	13	of	of	ADP
fsr-4086	160	14	tvm	tvm	PROPN
fsr-4086	160	15	concepts	concept	NOUN
fsr-4086	160	16	?	?	PUNCT
fsr-4086	161	1	first	first	ADV
fsr-4086	161	2	,	,	PUNCT
fsr-4086	161	3	this	this	DET
fsr-4086	161	4	study	study	NOUN
fsr-4086	161	5	expounded	expound	VERB
fsr-4086	161	6	on	on	ADP
fsr-4086	161	7	the	the	DET
fsr-4086	161	8	efficacy	efficacy	NOUN
fsr-4086	161	9	of	of	ADP
fsr-4086	161	10	using	use	VERB
fsr-4086	161	11	a	a	DET
fsr-4086	161	12	financial	financial	ADJ
fsr-4086	161	13	calculator	calculator	NOUN
fsr-4086	161	14	to	to	PART
fsr-4086	161	15	teach	teach	VERB
fsr-4086	161	16	tvm	tvm	PROPN
fsr-4086	161	17	concepts	concept	NOUN
fsr-4086	161	18	.	.	PUNCT
fsr-4086	162	1	although	although	SCONJ
fsr-4086	162	2	many	many	ADJ
fsr-4086	162	3	methods	method	NOUN
fsr-4086	162	4	exist	exist	VERB
fsr-4086	162	5	for	for	ADP
fsr-4086	162	6	teaching	teach	VERB
fsr-4086	162	7	tvm	tvm	PROPN
fsr-4086	162	8	,	,	PUNCT
fsr-4086	162	9	innovative	innovative	ADJ
fsr-4086	162	10	teachers	teacher	NOUN
fsr-4086	162	11	might	might	AUX
fsr-4086	162	12	first	first	ADV
fsr-4086	162	13	acknowledge	acknowledge	VERB
fsr-4086	162	14	a	a	DET
fsr-4086	162	15	potentially	potentially	ADV
fsr-4086	162	16	uncomfortable	uncomfortable	ADJ
fsr-4086	162	17	reality	reality	NOUN
fsr-4086	162	18	:	:	PUNCT
fsr-4086	162	19	the	the	DET
fsr-4086	162	20	entrenched	entrenched	ADJ
fsr-4086	162	21	method	method	NOUN
fsr-4086	162	22	of	of	ADP
fsr-4086	162	23	using	use	VERB
fsr-4086	162	24	a	a	DET
fsr-4086	162	25	financial	financial	ADJ
fsr-4086	162	26	calculator	calculator	NOUN
fsr-4086	162	27	to	to	PART
fsr-4086	162	28	teach	teach	VERB
fsr-4086	162	29	tvm	tvm	PROPN
fsr-4086	162	30	might	might	AUX
fsr-4086	162	31	be	be	AUX
fsr-4086	162	32	adequate	adequate	ADJ
fsr-4086	162	33	,	,	PUNCT
fsr-4086	162	34	even	even	ADV
fsr-4086	162	35	preferred	preferred	ADJ
fsr-4086	162	36	.	.	PUNCT
fsr-4086	163	1	when	when	SCONJ
fsr-4086	163	2	most	most	ADJ
fsr-4086	163	3	resources	resource	NOUN
fsr-4086	163	4	support	support	VERB
fsr-4086	163	5	one	one	NUM
fsr-4086	163	6	way	way	NOUN
fsr-4086	163	7	of	of	ADP
fsr-4086	163	8	teaching	teaching	NOUN
fsr-4086	163	9	,	,	PUNCT
fsr-4086	163	10	adopting	adopt	VERB
fsr-4086	163	11	the	the	DET
fsr-4086	163	12	supported	support	VERB
fsr-4086	163	13	approach	approach	NOUN
fsr-4086	163	14	might	might	AUX
fsr-4086	163	15	prove	prove	VERB
fsr-4086	163	16	to	to	PART
fsr-4086	163	17	be	be	AUX
fsr-4086	163	18	the	the	DET
fsr-4086	163	19	most	most	ADV
fsr-4086	163	20	efficient	efficient	ADJ
fsr-4086	163	21	path	path	NOUN
fsr-4086	163	22	forward	forward	ADV
fsr-4086	163	23	(	(	PUNCT
fsr-4086	163	24	even	even	ADV
fsr-4086	163	25	if	if	SCONJ
fsr-4086	163	26	learning	learn	VERB
fsr-4086	163	27	a	a	DET
fsr-4086	163	28	new	new	ADJ
fsr-4086	163	29	method	method	NOUN
fsr-4086	163	30	brings	bring	VERB
fsr-4086	163	31	unique	unique	ADJ
fsr-4086	163	32	advantages	advantage	NOUN
fsr-4086	163	33	)	)	PUNCT
fsr-4086	163	34	.	.	PUNCT
fsr-4086	164	1	in	in	ADP
fsr-4086	164	2	fact	fact	NOUN
fsr-4086	164	3	,	,	PUNCT
fsr-4086	164	4	this	this	DET
fsr-4086	164	5	conundrum	conundrum	NOUN
fsr-4086	164	6	is	be	AUX
fsr-4086	164	7	analogous	analogous	ADJ
fsr-4086	164	8	to	to	ADP
fsr-4086	164	9	financial	financial	ADJ
fsr-4086	164	10	professionals	professional	NOUN
fsr-4086	164	11	who	who	PRON
fsr-4086	164	12	try	try	VERB
fsr-4086	164	13	to	to	PART
fsr-4086	164	14	introduce	introduce	VERB
fsr-4086	164	15	a	a	DET
fsr-4086	164	16	new	new	ADJ
fsr-4086	164	17	software	software	NOUN
fsr-4086	164	18	,	,	PUNCT
fsr-4086	164	19	method	method	NOUN
fsr-4086	164	20	,	,	PUNCT
fsr-4086	164	21	or	or	CCONJ
fsr-4086	164	22	process	process	NOUN
fsr-4086	164	23	into	into	ADP
fsr-4086	164	24	their	their	PRON
fsr-4086	164	25	firm	firm	NOUN
fsr-4086	164	26	:	:	PUNCT
fsr-4086	164	27	financial	financial	ADJ
fsr-4086	164	28	services	service	NOUN
fsr-4086	164	29	review	review	NOUN
fsr-4086	164	30	,	,	PUNCT
fsr-4086	164	31	33(4	33(4	NUM
fsr-4086	164	32	)	)	PUNCT
fsr-4086	164	33	70	70	NUM
fsr-4086	164	34	there	there	PRON
fsr-4086	164	35	can	can	AUX
fsr-4086	164	36	be	be	AUX
fsr-4086	164	37	significant	significant	ADJ
fsr-4086	164	38	headwinds	headwind	NOUN
fsr-4086	164	39	.	.	PUNCT
fsr-4086	165	1	when	when	SCONJ
fsr-4086	165	2	the	the	DET
fsr-4086	165	3	wind	wind	NOUN
fsr-4086	165	4	gets	get	VERB
fsr-4086	165	5	too	too	ADV
fsr-4086	165	6	strong	strong	ADJ
fsr-4086	165	7	,	,	PUNCT
fsr-4086	165	8	swimming	swim	VERB
fsr-4086	165	9	with	with	ADP
fsr-4086	165	10	the	the	DET
fsr-4086	165	11	current	current	NOUN
fsr-4086	165	12	is	be	AUX
fsr-4086	165	13	recommended	recommend	VERB
fsr-4086	165	14	.	.	PUNCT
fsr-4086	166	1	a	a	DET
fsr-4086	166	2	second	second	ADJ
fsr-4086	166	3	point	point	NOUN
fsr-4086	166	4	of	of	ADP
fsr-4086	166	5	learning	learning	NOUN
fsr-4086	166	6	is	be	AUX
fsr-4086	166	7	to	to	PART
fsr-4086	166	8	acknowledge	acknowledge	VERB
fsr-4086	166	9	another	another	DET
fsr-4086	166	10	observation	observation	NOUN
fsr-4086	166	11	:	:	PUNCT
fsr-4086	166	12	students	student	NOUN
fsr-4086	166	13	are	be	AUX
fsr-4086	166	14	savvy	savvy	ADJ
fsr-4086	166	15	at	at	ADP
fsr-4086	166	16	building	build	VERB
fsr-4086	166	17	their	their	PRON
fsr-4086	166	18	own	own	ADJ
fsr-4086	166	19	learning	learn	VERB
fsr-4086	166	20	journey	journey	NOUN
fsr-4086	166	21	.	.	PUNCT
fsr-4086	167	1	this	this	DET
fsr-4086	167	2	study	study	NOUN
fsr-4086	167	3	’s	’s	PART
fsr-4086	167	4	comparison	comparison	NOUN
fsr-4086	167	5	of	of	ADP
fsr-4086	167	6	video	video	NOUN
fsr-4086	167	7	and	and	CCONJ
fsr-4086	167	8	intervention	intervention	NOUN
fsr-4086	167	9	data	datum	NOUN
fsr-4086	167	10	shows	show	VERB
fsr-4086	167	11	students	student	NOUN
fsr-4086	167	12	tailor	tailor	NOUN
fsr-4086	167	13	learning	learn	VERB
fsr-4086	167	14	to	to	PART
fsr-4086	167	15	fit	fit	VERB
fsr-4086	167	16	their	their	PRON
fsr-4086	167	17	specific	specific	ADJ
fsr-4086	167	18	needs	need	NOUN
fsr-4086	167	19	–	–	PUNCT
fsr-4086	167	20	even	even	ADV
fsr-4086	167	21	if	if	SCONJ
fsr-4086	167	22	it	it	PRON
fsr-4086	167	23	means	mean	VERB
fsr-4086	167	24	dropping	drop	VERB
fsr-4086	167	25	a	a	DET
fsr-4086	167	26	potentially	potentially	ADV
fsr-4086	167	27	helpful	helpful	ADJ
fsr-4086	167	28	video	video	NOUN
fsr-4086	167	29	once	once	SCONJ
fsr-4086	167	30	it	it	PRON
fsr-4086	167	31	has	have	AUX
fsr-4086	167	32	served	serve	VERB
fsr-4086	167	33	its	its	PRON
fsr-4086	167	34	purpose	purpose	NOUN
fsr-4086	167	35	.	.	PUNCT
fsr-4086	168	1	however	however	ADV
fsr-4086	168	2	,	,	PUNCT
fsr-4086	168	3	as	as	ADV
fsr-4086	168	4	long	long	ADV
fsr-4086	168	5	as	as	SCONJ
fsr-4086	168	6	the	the	DET
fsr-4086	168	7	course	course	NOUN
fsr-4086	168	8	’s	’s	ADV
fsr-4086	168	9	learning	learn	VERB
fsr-4086	168	10	outcome	outcome	NOUN
fsr-4086	168	11	is	be	AUX
fsr-4086	168	12	achieved	achieve	VERB
fsr-4086	168	13	,	,	PUNCT
fsr-4086	168	14	this	this	PRON
fsr-4086	168	15	might	might	AUX
fsr-4086	168	16	be	be	AUX
fsr-4086	168	17	perceived	perceive	VERB
fsr-4086	168	18	as	as	ADP
fsr-4086	168	19	a	a	DET
fsr-4086	168	20	positive	positive	ADJ
fsr-4086	168	21	,	,	PUNCT
fsr-4086	168	22	rather	rather	ADV
fsr-4086	168	23	than	than	ADP
fsr-4086	168	24	a	a	DET
fsr-4086	168	25	negative	negative	ADJ
fsr-4086	168	26	,	,	PUNCT
fsr-4086	168	27	outcome	outcome	NOUN
fsr-4086	168	28	.	.	PUNCT
fsr-4086	169	1	finally	finally	ADV
fsr-4086	169	2	,	,	PUNCT
fsr-4086	169	3	the	the	DET
fsr-4086	169	4	results	result	NOUN
fsr-4086	169	5	of	of	ADP
fsr-4086	169	6	this	this	DET
fsr-4086	169	7	study	study	NOUN
fsr-4086	169	8	–	–	PUNCT
fsr-4086	169	9	and	and	CCONJ
fsr-4086	169	10	specifically	specifically	ADV
fsr-4086	169	11	the	the	DET
fsr-4086	169	12	finding	finding	NOUN
fsr-4086	169	13	that	that	SCONJ
fsr-4086	169	14	a	a	DET
fsr-4086	169	15	longer	long	ADJ
fsr-4086	169	16	intervention	intervention	NOUN
fsr-4086	169	17	(	(	PUNCT
fsr-4086	169	18	excel	excel	VERB
fsr-4086	169	19	and	and	CCONJ
fsr-4086	169	20	a	a	DET
fsr-4086	169	21	financial	financial	ADJ
fsr-4086	169	22	calculator	calculator	NOUN
fsr-4086	169	23	)	)	PUNCT
fsr-4086	169	24	was	be	AUX
fsr-4086	169	25	less	less	ADV
fsr-4086	169	26	effective	effective	ADJ
fsr-4086	169	27	than	than	ADP
fsr-4086	169	28	a	a	DET
fsr-4086	169	29	shorter	short	ADJ
fsr-4086	169	30	one	one	NOUN
fsr-4086	169	31	(	(	PUNCT
fsr-4086	169	32	the	the	DET
fsr-4086	169	33	financial	financial	ADJ
fsr-4086	169	34	calculator	calculator	NOUN
fsr-4086	169	35	alone	alone	ADV
fsr-4086	169	36	)	)	PUNCT
fsr-4086	169	37	–	–	PUNCT
fsr-4086	169	38	encourage	encourage	VERB
fsr-4086	169	39	teachers	teacher	NOUN
fsr-4086	169	40	to	to	PART
fsr-4086	169	41	adopt	adopt	VERB
fsr-4086	169	42	a	a	DET
fsr-4086	169	43	streamlined	streamlined	ADJ
fsr-4086	169	44	approach	approach	NOUN
fsr-4086	169	45	(	(	PUNCT
fsr-4086	169	46	i.e.	i.e.	X
fsr-4086	169	47	,	,	PUNCT
fsr-4086	169	48	“	"	PUNCT
fsr-4086	169	49	keep	keep	VERB
fsr-4086	169	50	it	it	PRON
fsr-4086	169	51	simple	simple	ADJ
fsr-4086	169	52	”	"	PUNCT
fsr-4086	169	53	)	)	PUNCT
fsr-4086	169	54	to	to	ADP
fsr-4086	169	55	teaching	teach	VERB
fsr-4086	169	56	tvm	tvm	PROPN
fsr-4086	169	57	.	.	PUNCT
fsr-4086	170	1	references	reference	NOUN
fsr-4086	170	2	arellano	arellano	PROPN
fsr-4086	170	3	,	,	PUNCT
fsr-4086	170	4	f.	f.	PROPN
fsr-4086	170	5	,	,	PUNCT
fsr-4086	170	6	mulig	mulig	PROPN
fsr-4086	170	7	,	,	PUNCT
fsr-4086	170	8	l.	l.	PROPN
fsr-4086	170	9	,	,	PUNCT
fsr-4086	170	10	&	&	CCONJ
fsr-4086	170	11	rhame	rhame	PROPN
fsr-4086	170	12	,	,	PUNCT
fsr-4086	170	13	s.	s.	PROPN
fsr-4086	170	14	(	(	PUNCT
fsr-4086	170	15	2012	2012	NUM
fsr-4086	170	16	)	)	PUNCT
fsr-4086	170	17	.	.	PUNCT
fsr-4086	171	1	teaching	teach	VERB
fsr-4086	171	2	time	time	NOUN
fsr-4086	171	3	value	value	NOUN
fsr-4086	171	4	of	of	ADP
fsr-4086	171	5	money	money	NOUN
fsr-4086	171	6	using	use	VERB
fsr-4086	171	7	an	an	DET
fsr-4086	171	8	excel	excel	ADJ
fsr-4086	171	9	retirement	retirement	NOUN
fsr-4086	171	10	model	model	NOUN
fsr-4086	171	11	.	.	PUNCT
fsr-4086	172	1	american	american	PROPN
fsr-4086	172	2	journal	journal	PROPN
fsr-4086	172	3	of	of	ADP
fsr-4086	172	4	business	business	NOUN
fsr-4086	172	5	education	education	NOUN
fsr-4086	172	6	,	,	PUNCT
fsr-4086	172	7	5(6	5(6	NUM
fsr-4086	172	8	)	)	PUNCT
fsr-4086	172	9	,	,	PUNCT
fsr-4086	172	10	663	663	NUM
fsr-4086	172	11	-	-	SYM
fsr-4086	172	12	676	676	NUM
fsr-4086	172	13	.	.	PUNCT
fsr-4086	173	1	https://doi.org/10.19030/ajbe.v5i6.7389	https://doi.org/10.19030/ajbe.v5i6.7389	NOUN
fsr-4086	173	2	baroum	baroum	NOUN
fsr-4086	173	3	,	,	PUNCT
fsr-4086	173	4	s.	s.	PROPN
fsr-4086	173	5	m.	m.	PROPN
fsr-4086	173	6	,	,	PUNCT
fsr-4086	173	7	&	&	CCONJ
fsr-4086	173	8	patterson	patterson	PROPN
fsr-4086	173	9	,	,	PUNCT
fsr-4086	173	10	j.	j.	PROPN
fsr-4086	173	11	h.	h.	PROPN
fsr-4086	173	12	(	(	PUNCT
fsr-4086	173	13	1996	1996	NUM
fsr-4086	173	14	)	)	PUNCT
fsr-4086	173	15	.	.	PUNCT
fsr-4086	174	1	the	the	DET
fsr-4086	174	2	development	development	NOUN
fsr-4086	174	3	of	of	ADP
fsr-4086	174	4	cash	cash	NOUN
fsr-4086	174	5	flow	flow	NOUN
fsr-4086	174	6	weight	weight	NOUN
fsr-4086	174	7	procedures	procedure	NOUN
fsr-4086	174	8	for	for	ADP
fsr-4086	174	9	maximizing	maximize	VERB
fsr-4086	174	10	the	the	DET
fsr-4086	174	11	net	net	ADJ
fsr-4086	174	12	present	present	ADJ
fsr-4086	174	13	value	value	NOUN
fsr-4086	174	14	of	of	ADP
fsr-4086	174	15	a	a	DET
fsr-4086	174	16	project	project	NOUN
fsr-4086	174	17	.	.	PUNCT
fsr-4086	175	1	journal	journal	NOUN
fsr-4086	175	2	of	of	ADP
fsr-4086	175	3	operations	operation	NOUN
fsr-4086	175	4	management	management	NOUN
fsr-4086	175	5	,	,	PUNCT
fsr-4086	175	6	14(3	14(3	NUM
fsr-4086	175	7	)	)	PUNCT
fsr-4086	175	8	,	,	PUNCT
fsr-4086	175	9	209	209	NUM
fsr-4086	175	10	–	–	PUNCT
fsr-4086	175	11	227	227	NUM
fsr-4086	175	12	.	.	PUNCT
fsr-4086	176	1	https://doi.org/10.1016/02726963(96)00005-8	https://doi.org/10.1016/02726963(96)00005-8	ADJ
fsr-4086	176	2	dahlquist	dahlquist	NOUN
fsr-4086	176	3	,	,	PUNCT
fsr-4086	176	4	j.	j.	PROPN
fsr-4086	176	5	r.	r.	PROPN
fsr-4086	176	6	,	,	PUNCT
fsr-4086	176	7	&	&	CCONJ
fsr-4086	176	8	knight	knight	PROPN
fsr-4086	176	9	,	,	PUNCT
fsr-4086	176	10	r.	r.	PROPN
fsr-4086	176	11	(	(	PUNCT
fsr-4086	176	12	2024	2024	NUM
fsr-4086	176	13	)	)	PUNCT
fsr-4086	176	14	.	.	PUNCT
fsr-4086	177	1	principles	principle	NOUN
fsr-4086	177	2	of	of	ADP
fsr-4086	177	3	finance	finance	NOUN
fsr-4086	177	4	.	.	PUNCT
fsr-4086	178	1	openstax	openstax	ADJ
fsr-4086	178	2	.	.	PUNCT
fsr-4086	179	1	https://openstax.org/details/books/princi	https://openstax.org/details/books/princi	PROPN
fsr-4086	179	2	ples	ple	NOUN
fsr-4086	179	3	-	-	PUNCT
fsr-4086	179	4	finance	finance	NOUN
fsr-4086	179	5	delaney	delaney	NOUN
fsr-4086	179	6	,	,	PUNCT
fsr-4086	179	7	c.	c.	PROPN
fsr-4086	179	8	j.	j.	PROPN
fsr-4086	179	9	,	,	PUNCT
fsr-4086	179	10	rich	rich	ADJ
fsr-4086	179	11	,	,	PUNCT
fsr-4086	179	12	s.	s.	PROPN
fsr-4086	179	13	p.	p.	PROPN
fsr-4086	179	14	,	,	PUNCT
fsr-4086	179	15	&	&	CCONJ
fsr-4086	179	16	rose	rise	VERB
fsr-4086	179	17	,	,	PUNCT
fsr-4086	179	18	j.	j.	PROPN
fsr-4086	179	19	t.	t.	PROPN
fsr-4086	179	20	(	(	PUNCT
fsr-4086	179	21	2016	2016	NUM
fsr-4086	179	22	)	)	PUNCT
fsr-4086	179	23	.	.	PUNCT
fsr-4086	180	1	a	a	DET
fsr-4086	180	2	paradox	paradox	NOUN
fsr-4086	180	3	within	within	ADP
fsr-4086	180	4	the	the	DET
fsr-4086	180	5	time	time	NOUN
fsr-4086	180	6	value	value	NOUN
fsr-4086	180	7	of	of	ADP
fsr-4086	180	8	money	money	NOUN
fsr-4086	180	9	:	:	PUNCT
fsr-4086	180	10	a	a	DET
fsr-4086	180	11	critical	critical	ADJ
fsr-4086	180	12	thinking	thinking	NOUN
fsr-4086	180	13	exercise	exercise	NOUN
fsr-4086	180	14	for	for	ADP
fsr-4086	180	15	finance	finance	NOUN
fsr-4086	180	16	students	student	NOUN
fsr-4086	180	17	.	.	PUNCT
fsr-4086	181	1	american	american	PROPN
fsr-4086	181	2	journal	journal	PROPN
fsr-4086	181	3	of	of	ADP
fsr-4086	181	4	business	business	NOUN
fsr-4086	181	5	education	education	NOUN
fsr-4086	181	6	(	(	PUNCT
fsr-4086	181	7	ajbe	ajbe	NOUN
fsr-4086	181	8	)	)	PUNCT
fsr-4086	181	9	,	,	PUNCT
fsr-4086	181	10	9(2	9(2	NUM
fsr-4086	181	11	)	)	PUNCT
fsr-4086	181	12	,	,	PUNCT
fsr-4086	181	13	83	83	NUM
fsr-4086	181	14	-	-	SYM
fsr-4086	181	15	86	86	NUM
fsr-4086	181	16	.	.	PUNCT
fsr-4086	182	1	https://doi.org/10.19030/ajbe.v9i2.9638	https://doi.org/10.19030/ajbe.v9i2.9638	PROPN
fsr-4086	182	2	dempsey	dempsey	PROPN
fsr-4086	182	3	,	,	PUNCT
fsr-4086	182	4	s.	s.	PROPN
fsr-4086	182	5	j.	j.	PROPN
fsr-4086	182	6	(	(	PUNCT
fsr-4086	182	7	2003	2003	NUM
fsr-4086	182	8	)	)	PUNCT
fsr-4086	182	9	.	.	PUNCT
fsr-4086	183	1	on	on	ADP
fsr-4086	183	2	the	the	DET
fsr-4086	183	3	benefits	benefit	NOUN
fsr-4086	183	4	of	of	ADP
fsr-4086	183	5	a	a	DET
fsr-4086	183	6	mathematical	mathematical	ADJ
fsr-4086	183	7	solutions	solution	NOUN
fsr-4086	183	8	approach	approach	NOUN
fsr-4086	183	9	to	to	ADP
fsr-4086	183	10	time	time	NOUN
fsr-4086	183	11	value	value	NOUN
fsr-4086	183	12	of	of	ADP
fsr-4086	183	13	money	money	NOUN
fsr-4086	183	14	instruction	instruction	NOUN
fsr-4086	183	15	:	:	PUNCT
fsr-4086	183	16	arguments	argument	NOUN
fsr-4086	183	17	and	and	CCONJ
fsr-4086	183	18	evidence	evidence	NOUN
fsr-4086	183	19	.	.	PUNCT
fsr-4086	184	1	journal	journal	NOUN
fsr-4086	184	2	of	of	ADP
fsr-4086	184	3	accounting	accounting	NOUN
fsr-4086	184	4	education	education	NOUN
fsr-4086	184	5	,	,	PUNCT
fsr-4086	184	6	21(3	21(3	NUM
fsr-4086	184	7	)	)	PUNCT
fsr-4086	184	8	,	,	PUNCT
fsr-4086	184	9	239–260	239–260	NUM
fsr-4086	184	10	.	.	PUNCT
fsr-4086	185	1	https://doi.org/10.1016/s07485751(03)00023-x	https://doi.org/10.1016/s07485751(03)00023-x	ADJ
fsr-4086	185	2	downes	downes	PROPN
fsr-4086	185	3	,	,	PUNCT
fsr-4086	185	4	s.	s.	PROPN
fsr-4086	185	5	(	(	PUNCT
fsr-4086	185	6	2008	2008	NUM
fsr-4086	185	7	)	)	PUNCT
fsr-4086	185	8	.	.	PUNCT
fsr-4086	186	1	an	an	DET
fsr-4086	186	2	introduction	introduction	NOUN
fsr-4086	186	3	to	to	ADP
fsr-4086	186	4	connective	connective	ADJ
fsr-4086	186	5	knowledge	knowledge	NOUN
fsr-4086	186	6	.	.	PUNCT
fsr-4086	187	1	in	in	ADP
fsr-4086	187	2	t.	t.	PROPN
fsr-4086	187	3	hug	hug	NOUN
fsr-4086	187	4	(	(	PUNCT
fsr-4086	187	5	ed	ed	NOUN
fsr-4086	187	6	.	.	PUNCT
fsr-4086	187	7	)	)	PUNCT
fsr-4086	187	8	,	,	PUNCT
fsr-4086	187	9	media	medium	NOUN
fsr-4086	187	10	,	,	PUNCT
fsr-4086	187	11	knowledge	knowledge	NOUN
fsr-4086	187	12	&	&	CCONJ
fsr-4086	187	13	education	education	PROPN
fsr-4086	187	14	:	:	PUNCT
fsr-4086	187	15	exploring	explore	VERB
fsr-4086	187	16	new	new	ADJ
fsr-4086	187	17	spaces	space	NOUN
fsr-4086	187	18	,	,	PUNCT
fsr-4086	187	19	relations	relation	NOUN
fsr-4086	187	20	and	and	CCONJ
fsr-4086	187	21	dynamics	dynamic	NOUN
fsr-4086	187	22	in	in	ADP
fsr-4086	187	23	digital	digital	ADJ
fsr-4086	187	24	media	medium	NOUN
fsr-4086	187	25	ecologies	ecology	NOUN
fsr-4086	187	26	,	,	PUNCT
fsr-4086	187	27	(	(	PUNCT
fsr-4086	187	28	pp	pp	ADV
fsr-4086	187	29	.	.	PUNCT
fsr-4086	188	1	77	77	NUM
fsr-4086	188	2	-	-	SYM
fsr-4086	188	3	102	102	NUM
fsr-4086	188	4	)	)	PUNCT
fsr-4086	188	5	.	.	PUNCT
fsr-4086	189	1	innsbruck	innsbruck	PROPN
fsr-4086	189	2	university	university	PROPN
fsr-4086	189	3	press	press	NOUN
fsr-4086	189	4	.	.	PUNCT
fsr-4086	190	1	gardner	gardner	NOUN
fsr-4086	190	2	,	,	PUNCT
fsr-4086	190	3	n.	n.	PROPN
fsr-4086	190	4	d.	d.	PROPN
fsr-4086	190	5	(	(	PUNCT
fsr-4086	190	6	2004	2004	NUM
fsr-4086	190	7	)	)	PUNCT
fsr-4086	190	8	.	.	PUNCT
fsr-4086	191	1	the	the	DET
fsr-4086	191	2	time	time	NOUN
fsr-4086	191	3	value	value	NOUN
fsr-4086	191	4	of	of	ADP
fsr-4086	191	5	money	money	NOUN
fsr-4086	191	6	:	:	PUNCT
fsr-4086	191	7	a	a	DET
fsr-4086	191	8	clarifying	clarifying	NOUN
fsr-4086	191	9	and	and	CCONJ
fsr-4086	191	10	simplifying	simplify	VERB
fsr-4086	191	11	approach	approach	NOUN
fsr-4086	191	12	.	.	PUNCT
fsr-4086	192	1	journal	journal	PROPN
fsr-4086	192	2	of	of	ADP
fsr-4086	192	3	college	college	PROPN
fsr-4086	192	4	teaching	teaching	PROPN
fsr-4086	192	5	&	&	CCONJ
fsr-4086	192	6	learning	learning	PROPN
fsr-4086	192	7	,	,	PUNCT
fsr-4086	192	8	1(7	1(7	NUM
fsr-4086	192	9	)	)	PUNCT
fsr-4086	192	10	,	,	PUNCT
fsr-4086	192	11	25	25	NUM
fsr-4086	192	12	-	-	SYM
fsr-4086	192	13	30	30	NUM
fsr-4086	192	14	https://doi.org/10.19030/tlc.v1i7.1965	https://doi.org/10.19030/tlc.v1i7.1965	PROPN
fsr-4086	192	15	jalbert	jalbert	NOUN
fsr-4086	192	16	,	,	PUNCT
fsr-4086	192	17	t.	t.	PROPN
fsr-4086	192	18	(	(	PUNCT
fsr-4086	192	19	2002	2002	NUM
fsr-4086	192	20	)	)	PUNCT
fsr-4086	192	21	.	.	PUNCT
fsr-4086	193	1	a	a	DET
fsr-4086	193	2	new	new	ADJ
fsr-4086	193	3	method	method	NOUN
fsr-4086	193	4	for	for	ADP
fsr-4086	193	5	teaching	teach	VERB
fsr-4086	193	6	the	the	DET
fsr-4086	193	7	time	time	NOUN
fsr-4086	193	8	value	value	NOUN
fsr-4086	193	9	of	of	ADP
fsr-4086	193	10	money	money	NOUN
fsr-4086	193	11	.	.	PUNCT
fsr-4086	194	1	journal	journal	NOUN
fsr-4086	194	2	of	of	ADP
fsr-4086	194	3	the	the	DET
fsr-4086	194	4	american	american	PROPN
fsr-4086	194	5	academy	academy	PROPN
fsr-4086	194	6	of	of	ADP
fsr-4086	194	7	business	business	NOUN
fsr-4086	194	8	,	,	PUNCT
fsr-4086	194	9	2(1	2(1	NUM
fsr-4086	194	10	)	)	PUNCT
fsr-4086	194	11	,	,	PUNCT
fsr-4086	194	12	72–79	72–79	NUM
fsr-4086	194	13	.	.	PUNCT
fsr-4086	195	1	jalbert	jalbert	PROPN
fsr-4086	195	2	,	,	PUNCT
fsr-4086	195	3	t.	t.	PROPN
fsr-4086	195	4	,	,	PUNCT
fsr-4086	195	5	jalbert	jalbert	NOUN
fsr-4086	195	6	,	,	PUNCT
fsr-4086	195	7	m.	m.	NOUN
fsr-4086	195	8	,	,	PUNCT
fsr-4086	195	9	&	&	CCONJ
fsr-4086	195	10	chan	chan	PROPN
fsr-4086	195	11	,	,	PUNCT
fsr-4086	195	12	w.	w.	PROPN
fsr-4086	195	13	y.	y.	PROPN
fsr-4086	195	14	c.	c.	PROPN
fsr-4086	195	15	(	(	PUNCT
fsr-4086	195	16	2004	2004	NUM
fsr-4086	195	17	)	)	PUNCT
fsr-4086	195	18	.	.	PUNCT
fsr-4086	196	1	advances	advance	NOUN
fsr-4086	196	2	in	in	ADP
fsr-4086	196	3	teaching	teach	VERB
fsr-4086	196	4	the	the	DET
fsr-4086	196	5	time	time	NOUN
fsr-4086	196	6	value	value	NOUN
fsr-4086	196	7	of	of	ADP
fsr-4086	196	8	money	money	NOUN
fsr-4086	196	9	.	.	PUNCT
fsr-4086	197	1	journal	journal	PROPN
fsr-4086	197	2	of	of	ADP
fsr-4086	197	3	college	college	NOUN
fsr-4086	197	4	teaching	teaching	NOUN
fsr-4086	197	5	and	and	CCONJ
fsr-4086	197	6	learning	learning	NOUN
fsr-4086	197	7	,	,	PUNCT
fsr-4086	197	8	8(1	8(1	NOUN
fsr-4086	197	9	)	)	PUNCT
fsr-4086	197	10	,	,	PUNCT
fsr-4086	197	11	7–12	7–12	PROPN
fsr-4086	197	12	.	.	PUNCT
fsr-4086	198	1	lucko	lucko	PROPN
fsr-4086	198	2	,	,	PUNCT
fsr-4086	198	3	g.	g.	PROPN
fsr-4086	198	4	(	(	PUNCT
fsr-4086	198	5	2013	2013	NUM
fsr-4086	198	6	)	)	PUNCT
fsr-4086	198	7	.	.	PUNCT
fsr-4086	199	1	supporting	support	VERB
fsr-4086	199	2	financial	financial	ADJ
fsr-4086	199	3	decisionmaking	decisionmaking	NOUN
fsr-4086	199	4	based	base	VERB
fsr-4086	199	5	on	on	ADP
fsr-4086	199	6	time	time	NOUN
fsr-4086	199	7	value	value	NOUN
fsr-4086	199	8	of	of	ADP
fsr-4086	199	9	money	money	NOUN
fsr-4086	199	10	with	with	ADP
fsr-4086	199	11	singularity	singularity	NOUN
fsr-4086	199	12	functions	function	NOUN
fsr-4086	199	13	in	in	ADP
fsr-4086	199	14	cash	cash	NOUN
fsr-4086	199	15	flow	flow	NOUN
fsr-4086	199	16	models	model	NOUN
fsr-4086	199	17	.	.	PUNCT
fsr-4086	200	1	construction	construction	NOUN
fsr-4086	200	2	management	management	NOUN
fsr-4086	200	3	and	and	CCONJ
fsr-4086	200	4	economics	economic	NOUN
fsr-4086	200	5	,	,	PUNCT
fsr-4086	200	6	31(3	31(3	NUM
fsr-4086	200	7	)	)	PUNCT
fsr-4086	200	8	,	,	PUNCT
fsr-4086	200	9	238–253	238–253	NUM
fsr-4086	200	10	.	.	PUNCT
fsr-4086	201	1	https://doi.org/10.1080/01446193.2012	https://doi.org/10.1080/01446193.2012	NOUN
fsr-4086	201	2	.	.	PUNCT
fsr-4086	202	1	750728	750728	NUM
fsr-4086	202	2	martinez	martinez	PROPN
fsr-4086	202	3	,	,	PUNCT
fsr-4086	202	4	v.	v.	PROPN
fsr-4086	202	5	(	(	PUNCT
fsr-4086	202	6	2013	2013	NUM
fsr-4086	202	7	)	)	PUNCT
fsr-4086	202	8	.	.	PUNCT
fsr-4086	203	1	time	time	NOUN
fsr-4086	203	2	value	value	NOUN
fsr-4086	203	3	of	of	ADP
fsr-4086	203	4	money	money	NOUN
fsr-4086	203	5	made	make	VERB
fsr-4086	203	6	simple	simple	ADJ
fsr-4086	203	7	:	:	PUNCT
fsr-4086	203	8	a	a	DET
fsr-4086	203	9	graphic	graphic	ADJ
fsr-4086	203	10	teaching	teaching	NOUN
fsr-4086	203	11	method	method	NOUN
fsr-4086	203	12	.	.	PUNCT
fsr-4086	204	1	journal	journal	NOUN
fsr-4086	204	2	of	of	ADP
fsr-4086	204	3	financial	financial	ADJ
fsr-4086	204	4	education	education	NOUN
fsr-4086	204	5	,	,	PUNCT
fsr-4086	204	6	39(1/2	39(1/2	NUM
fsr-4086	204	7	)	)	PUNCT
fsr-4086	204	8	,	,	PUNCT
fsr-4086	204	9	96–117	96–117	NUM
fsr-4086	204	10	.	.	PUNCT
fsr-4086	204	11	newfeld	newfeld	PROPN
fsr-4086	204	12	,	,	PUNCT
fsr-4086	204	13	d.	d.	PROPN
fsr-4086	204	14	(	(	PUNCT
fsr-4086	204	15	2012	2012	NUM
fsr-4086	204	16	)	)	PUNCT
fsr-4086	204	17	.	.	PUNCT
fsr-4086	205	1	teaching	teach	VERB
fsr-4086	205	2	time	time	NOUN
fsr-4086	205	3	value	value	NOUN
fsr-4086	205	4	of	of	ADP
fsr-4086	205	5	money	money	NOUN
fsr-4086	205	6	to	to	ADP
fsr-4086	205	7	dyslexic	dyslexic	ADJ
fsr-4086	205	8	students	student	NOUN
fsr-4086	205	9	:	:	PUNCT
fsr-4086	205	10	a	a	DET
fsr-4086	205	11	pilot	pilot	NOUN
fsr-4086	205	12	case	case	NOUN
fsr-4086	205	13	study	study	NOUN
fsr-4086	205	14	.	.	PUNCT
fsr-4086	206	1	journal	journal	PROPN
fsr-4086	206	2	of	of	ADP
fsr-4086	206	3	instructional	instructional	ADJ
fsr-4086	206	4	pedagogies	pedagogy	NOUN
fsr-4086	206	5	,	,	PUNCT
fsr-4086	206	6	8	8	NUM
fsr-4086	206	7	.	.	NUM
fsr-4086	206	8	shrieves	shrieve	NOUN
fsr-4086	206	9	,	,	PUNCT
fsr-4086	206	10	r.	r.	PROPN
fsr-4086	206	11	e.	e.	PROPN
fsr-4086	206	12	,	,	PUNCT
fsr-4086	206	13	&	&	CCONJ
fsr-4086	206	14	wachowicz	wachowicz	PROPN
fsr-4086	206	15	,	,	PUNCT
fsr-4086	206	16	j.	j.	PROPN
fsr-4086	206	17	m.	m.	PROPN
fsr-4086	206	18	(	(	PUNCT
fsr-4086	206	19	2001	2001	NUM
fsr-4086	206	20	)	)	PUNCT
fsr-4086	206	21	.	.	PUNCT
fsr-4086	207	1	free	free	ADJ
fsr-4086	207	2	cash	cash	NOUN
fsr-4086	207	3	flow	flow	NOUN
fsr-4086	207	4	(	(	PUNCT
fsr-4086	207	5	fcf	fcf	NOUN
fsr-4086	207	6	)	)	PUNCT
fsr-4086	207	7	,	,	PUNCT
fsr-4086	207	8	economic	economic	ADJ
fsr-4086	207	9	value	value	NOUN
fsr-4086	207	10	added	add	VERB
fsr-4086	207	11	(	(	PUNCT
fsr-4086	207	12	evatm	evatm	ADJ
fsr-4086	207	13	)	)	PUNCT
fsr-4086	207	14	,	,	PUNCT
fsr-4086	207	15	and	and	CCONJ
fsr-4086	207	16	net	net	ADJ
fsr-4086	207	17	present	present	ADJ
fsr-4086	207	18	value	value	NOUN
fsr-4086	207	19	(	(	PUNCT
fsr-4086	207	20	npv	npv	NOUN
fsr-4086	207	21	):	):	PUNCT
fsr-4086	207	22	a	a	DET
fsr-4086	207	23	reconciliation	reconciliation	NOUN
fsr-4086	207	24	of	of	ADP
fsr-4086	207	25	variations	variation	NOUN
fsr-4086	207	26	of	of	ADP
fsr-4086	207	27	discounted	discount	VERB
fsr-4086	207	28	-	-	PUNCT
fsr-4086	207	29	cash	cash	NOUN
fsr-4086	207	30	-	-	PUNCT
fsr-4086	207	31	flow	flow	NOUN
fsr-4086	207	32	(	(	PUNCT
fsr-4086	207	33	dcf	dcf	NOUN
fsr-4086	207	34	)	)	PUNCT
fsr-4086	207	35	valuation	valuation	NOUN
fsr-4086	207	36	.	.	PUNCT
fsr-4086	208	1	the	the	DET
fsr-4086	208	2	engineering	engineering	NOUN
fsr-4086	208	3	economist	economist	NOUN
fsr-4086	208	4	,	,	PUNCT
fsr-4086	208	5	46(1	46(1	PROPN
fsr-4086	208	6	)	)	PUNCT
fsr-4086	208	7	,	,	PUNCT
fsr-4086	208	8	33	33	NUM
fsr-4086	208	9	–	–	SYM
fsr-4086	208	10	52	52	NUM
fsr-4086	208	11	.	.	PUNCT
fsr-4086	209	1	https://doi.org/10.1080/0013791010896	https://doi.org/10.1080/0013791010896	PROPN
fsr-4086	209	2	7561	7561	NUM
fsr-4086	209	3	siemens	siemens	PROPN
fsr-4086	209	4	,	,	PUNCT
fsr-4086	209	5	g.	g.	PROPN
fsr-4086	209	6	(	(	PUNCT
fsr-4086	209	7	2005	2005	NUM
fsr-4086	209	8	)	)	PUNCT
fsr-4086	209	9	.	.	PUNCT
fsr-4086	210	1	connectivism	connectivism	NOUN
fsr-4086	210	2	:	:	PUNCT
fsr-4086	210	3	learning	learn	VERB
fsr-4086	210	4	as	as	ADP
fsr-4086	210	5	https://doi.org/10.19030/ajbe.v5i6.7389	https://doi.org/10.19030/ajbe.v5i6.7389	PROPN
fsr-4086	210	6	https://doi.org/10.1016/0272-6963(96)00005-8	https://doi.org/10.1016/0272-6963(96)00005-8	PROPN
fsr-4086	211	1	https://doi.org/10.1016/0272-6963(96)00005-8	https://doi.org/10.1016/0272-6963(96)00005-8	NUM
fsr-4086	211	2	https://openstax.org/details/books/principles-finance	https://openstax.org/details/books/principles-finance	NOUN
fsr-4086	212	1	https://openstax.org/details/books/principles-finance	https://openstax.org/details/books/principles-finance	NOUN
fsr-4086	212	2	https://doi.org/10.19030/ajbe.v9i2.9638	https://doi.org/10.19030/ajbe.v9i2.9638	NOUN
fsr-4086	212	3	https://doi.org/10.1016/s0748-5751(03)00023-x	https://doi.org/10.1016/s0748-5751(03)00023-x	PROPN
fsr-4086	212	4	https://doi.org/10.1016/s0748-5751(03)00023-x	https://doi.org/10.1016/s0748-5751(03)00023-x	PROPN
fsr-4086	212	5	https://doi.org/10.19030/tlc.v1i7.1965	https://doi.org/10.19030/tlc.v1i7.1965	PROPN
fsr-4086	212	6	https://doi.org/10.1080/01446193.2012.750728	https://doi.org/10.1080/01446193.2012.750728	PROPN
fsr-4086	213	1	https://doi.org/10.1080/01446193.2012.750728	https://doi.org/10.1080/01446193.2012.750728	PROPN
fsr-4086	214	1	https://doi.org/10.1080/00137910108967561	https://doi.org/10.1080/00137910108967561	NOUN
fsr-4086	214	2	https://doi.org/10.1080/00137910108967561	https://doi.org/10.1080/00137910108967561	PROPN
fsr-4086	214	3	anderson	anderson	PROPN
fsr-4086	214	4	&	&	CCONJ
fsr-4086	214	5	gray	gray	ADJ
fsr-4086	214	6	71	71	NUM
fsr-4086	214	7	network	network	NOUN
fsr-4086	214	8	-	-	PUNCT
fsr-4086	214	9	creation	creation	NOUN
fsr-4086	214	10	.	.	PUNCT
fsr-4086	215	1	http://masters.donntu.ru/2010/fknt/lozov	http://masters.donntu.ru/2010/fknt/lozov	NOUN
fsr-4086	215	2	oi	oi	X
fsr-4086	215	3	/	/	SYM
fsr-4086	215	4	library	library	NOUN
fsr-4086	215	5	/	/	SYM
fsr-4086	215	6	article4.htm	article4.htm	PROPN
fsr-4086	215	7	weil	weil	PROPN
fsr-4086	215	8	,	,	PUNCT
fsr-4086	215	9	r.	r.	PROPN
fsr-4086	215	10	l.	l.	PROPN
fsr-4086	215	11	(	(	PUNCT
fsr-4086	215	12	1990	1990	NUM
fsr-4086	215	13	)	)	PUNCT
fsr-4086	215	14	.	.	PUNCT
fsr-4086	216	1	role	role	NOUN
fsr-4086	216	2	of	of	ADP
fsr-4086	216	3	the	the	DET
fsr-4086	216	4	time	time	NOUN
fsr-4086	216	5	value	value	NOUN
fsr-4086	216	6	of	of	ADP
fsr-4086	216	7	money	money	NOUN
fsr-4086	216	8	in	in	ADP
fsr-4086	216	9	financial	financial	ADJ
fsr-4086	216	10	reporting	reporting	NOUN
fsr-4086	216	11	.	.	PUNCT
fsr-4086	217	1	accounting	accounting	NOUN
fsr-4086	217	2	horizons	horizon	NOUN
fsr-4086	217	3	,	,	PUNCT
fsr-4086	217	4	4(4	4(4	NUM
fsr-4086	217	5	)	)	PUNCT
fsr-4086	217	6	,	,	PUNCT
fsr-4086	217	7	47	47	NUM
fsr-4086	217	8	.	.	PUNCT
fsr-4086	218	1	http://masters.donntu.ru/2010/fknt/lozovoi/library/article4.htm	http://masters.donntu.ru/2010/fknt/lozovoi/library/article4.htm	PROPN
fsr-4086	218	2	http://masters.donntu.ru/2010/fknt/lozovoi/library/article4.htm	http://masters.donntu.ru/2010/fknt/lozovoi/library/article4.htm	PROPN
fsr-4086	218	3	financial	financial	PROPN
fsr-4086	218	4	services	service	NOUN
fsr-4086	218	5	review	review	NOUN
fsr-4086	218	6	,	,	PUNCT
fsr-4086	218	7	33(4	33(4	NUM
fsr-4086	218	8	)	)	PUNCT
fsr-4086	218	9	72	72	NUM
fsr-4086	218	10	appendix	appendix	NOUN
fsr-4086	218	11	a	a	DET
fsr-4086	218	12	–	–	PUNCT
fsr-4086	218	13	tvm	tvm	PROPN
fsr-4086	218	14	quiz	quiz	NOUN
fsr-4086	218	15	questions	question	NOUN
fsr-4086	218	16	exam	exam	VERB
fsr-4086	218	17	1	1	NUM
fsr-4086	218	18	(	(	PUNCT
fsr-4086	218	19	e1	e1	PROPN
fsr-4086	218	20	)	)	PUNCT
fsr-4086	218	21	1	1	NUM
fsr-4086	218	22	.	.	PUNCT
fsr-4086	219	1	how	how	SCONJ
fsr-4086	219	2	much	much	ADJ
fsr-4086	219	3	must	must	AUX
fsr-4086	219	4	you	you	PRON
fsr-4086	219	5	invest	invest	VERB
fsr-4086	219	6	today	today	NOUN
fsr-4086	219	7	at	at	ADP
fsr-4086	219	8	8	8	NUM
fsr-4086	219	9	%	%	NOUN
fsr-4086	219	10	interest	interest	NOUN
fsr-4086	219	11	in	in	ADP
fsr-4086	219	12	order	order	NOUN
fsr-4086	219	13	to	to	PART
fsr-4086	219	14	see	see	VERB
fsr-4086	219	15	your	your	PRON
fsr-4086	219	16	investment	investment	NOUN
fsr-4086	219	17	grow	grow	VERB
fsr-4086	219	18	to	to	ADP
fsr-4086	219	19	$	$	SYM
fsr-4086	219	20	15,000	15,000	NUM
fsr-4086	219	21	in	in	ADP
fsr-4086	219	22	10	10	NUM
fsr-4086	219	23	years	year	NOUN
fsr-4086	219	24	(	(	PUNCT
fsr-4086	219	25	round	round	VERB
fsr-4086	219	26	the	the	DET
fsr-4086	219	27	answer	answer	NOUN
fsr-4086	219	28	to	to	ADP
fsr-4086	219	29	the	the	DET
fsr-4086	219	30	nearest	near	ADJ
fsr-4086	219	31	dollar	dollar	NOUN
fsr-4086	219	32	)	)	PUNCT
fsr-4086	219	33	?	?	PUNCT
fsr-4086	220	1	a.	a.	NOUN
fsr-4086	220	2	$	$	SYM
fsr-4086	220	3	6,330	6,330	NUM
fsr-4086	220	4	b.	b.	NOUN
fsr-4086	220	5	$	$	SYM
fsr-4086	220	6	6,948	6,948	NUM
fsr-4086	220	7	(	(	PUNCT
fsr-4086	220	8	correct	correct	ADJ
fsr-4086	220	9	answer	answer	NOUN
fsr-4086	220	10	)	)	PUNCT
fsr-4086	220	11	c.	c.	NOUN
fsr-4086	220	12	$	$	SYM
fsr-4086	220	13	7,500	7,500	NUM
fsr-4086	220	14	d.	d.	NOUN
fsr-4086	220	15	$	$	SYM
fsr-4086	220	16	7,620	7,620	NUM
fsr-4086	220	17	2	2	NUM
fsr-4086	220	18	.	.	PUNCT
fsr-4086	221	1	at	at	ADP
fsr-4086	221	2	what	what	PRON
fsr-4086	221	3	annual	annual	ADJ
fsr-4086	221	4	rate	rate	NOUN
fsr-4086	221	5	would	would	AUX
fsr-4086	221	6	$	$	SYM
fsr-4086	221	7	500	500	NUM
fsr-4086	221	8	grow	grow	VERB
fsr-4086	221	9	to	to	ADP
fsr-4086	221	10	$	$	SYM
fsr-4086	221	11	1,948	1,948	NUM
fsr-4086	221	12	in	in	ADP
fsr-4086	221	13	12	12	NUM
fsr-4086	221	14	years	year	NOUN
fsr-4086	221	15	?	?	PUNCT
fsr-4086	222	1	a.	a.	NOUN
fsr-4086	222	2	10.0	10.0	NUM
fsr-4086	222	3	%	%	NOUN
fsr-4086	222	4	b.	b.	NOUN
fsr-4086	222	5	11.0	11.0	NUM
fsr-4086	222	6	%	%	NOUN
fsr-4086	222	7	c.	c.	NOUN
fsr-4086	222	8	12.0	12.0	NUM
fsr-4086	222	9	%	%	NOUN
fsr-4086	222	10	(	(	PUNCT
fsr-4086	222	11	correct	correct	ADJ
fsr-4086	222	12	answer	answer	NOUN
fsr-4086	222	13	)	)	PUNCT
fsr-4086	222	14	d.	d.	NOUN
fsr-4086	222	15	12.5	12.5	NUM
fsr-4086	222	16	%	%	NOUN
fsr-4086	222	17	3	3	NUM
fsr-4086	222	18	.	.	PUNCT
fsr-4086	223	1	if	if	SCONJ
fsr-4086	223	2	lucky	lucky	ADJ
fsr-4086	223	3	louie	louie	PROPN
fsr-4086	223	4	won	win	VERB
fsr-4086	223	5	a	a	DET
fsr-4086	223	6	lottery	lottery	NOUN
fsr-4086	223	7	and	and	CCONJ
fsr-4086	223	8	chose	choose	VERB
fsr-4086	223	9	to	to	PART
fsr-4086	223	10	take	take	VERB
fsr-4086	223	11	$	$	SYM
fsr-4086	223	12	1,000,000	1,000,000	NUM
fsr-4086	223	13	in	in	ADP
fsr-4086	223	14	cash	cash	NOUN
fsr-4086	223	15	(	(	PUNCT
fsr-4086	223	16	disregarding	disregard	VERB
fsr-4086	223	17	taxes	taxis	NOUN
fsr-4086	223	18	)	)	PUNCT
fsr-4086	223	19	,	,	PUNCT
fsr-4086	223	20	how	how	SCONJ
fsr-4086	223	21	much	much	ADJ
fsr-4086	223	22	money	money	NOUN
fsr-4086	223	23	would	would	AUX
fsr-4086	223	24	he	he	PRON
fsr-4086	223	25	have	have	VERB
fsr-4086	223	26	in	in	ADP
fsr-4086	223	27	30	30	NUM
fsr-4086	223	28	years	year	NOUN
fsr-4086	223	29	if	if	SCONJ
fsr-4086	223	30	he	he	PRON
fsr-4086	223	31	invested	invest	VERB
fsr-4086	223	32	at	at	ADP
fsr-4086	223	33	6	6	NUM
fsr-4086	223	34	%	%	NOUN
fsr-4086	223	35	per	per	ADP
fsr-4086	223	36	annum	annum	X
fsr-4086	223	37	(	(	PUNCT
fsr-4086	223	38	round	round	VERB
fsr-4086	223	39	the	the	DET
fsr-4086	223	40	answer	answer	NOUN
fsr-4086	223	41	to	to	ADP
fsr-4086	223	42	the	the	DET
fsr-4086	223	43	nearest	near	ADJ
fsr-4086	223	44	dollar	dollar	NOUN
fsr-4086	223	45	)	)	PUNCT
fsr-4086	223	46	?	?	PUNCT
fsr-4086	224	1	a.	a.	NOUN
fsr-4086	224	2	$	$	SYM
fsr-4086	224	3	5,743,491	5,743,491	NUM
fsr-4086	224	4	(	(	PUNCT
fsr-4086	224	5	correct	correct	ADJ
fsr-4086	224	6	answer	answer	NOUN
fsr-4086	224	7	)	)	PUNCT
fsr-4086	224	8	b.	b.	PROPN
fsr-4086	225	1	$	$	SYM
fsr-4086	225	2	5,804,268	5,804,268	NUM
fsr-4086	225	3	c.	c.	NOUN
fsr-4086	225	4	$	$	SYM
fsr-4086	225	5	6,050,972	6,050,972	NUM
fsr-4086	225	6	d.	d.	NOUN
fsr-4086	225	7	$	$	SYM
fsr-4086	225	8	7,890,345	7,890,345	NUM
fsr-4086	225	9	4	4	NUM
fsr-4086	225	10	.	.	PUNCT
fsr-4086	226	1	sally	sally	PROPN
fsr-4086	226	2	contributes	contribute	VERB
fsr-4086	226	3	$	$	SYM
fsr-4086	226	4	3,000	3,000	NUM
fsr-4086	226	5	each	each	DET
fsr-4086	226	6	year	year	NOUN
fsr-4086	226	7	to	to	ADP
fsr-4086	226	8	her	her	PRON
fsr-4086	226	9	roth	roth	PROPN
fsr-4086	226	10	ira	ira	PROPN
fsr-4086	226	11	(	(	PUNCT
fsr-4086	226	12	a	a	DET
fsr-4086	226	13	type	type	NOUN
fsr-4086	226	14	of	of	ADP
fsr-4086	226	15	retirement	retirement	NOUN
fsr-4086	226	16	savings	saving	NOUN
fsr-4086	226	17	account	account	NOUN
fsr-4086	226	18	)	)	PUNCT
fsr-4086	226	19	.	.	PUNCT
fsr-4086	227	1	what	what	PRON
fsr-4086	227	2	is	be	AUX
fsr-4086	227	3	the	the	DET
fsr-4086	227	4	value	value	NOUN
fsr-4086	227	5	of	of	ADP
fsr-4086	227	6	her	her	PRON
fsr-4086	227	7	account	account	NOUN
fsr-4086	227	8	after	after	ADP
fsr-4086	227	9	5	5	NUM
fsr-4086	227	10	years	year	NOUN
fsr-4086	227	11	if	if	SCONJ
fsr-4086	227	12	her	her	PRON
fsr-4086	227	13	annual	annual	ADJ
fsr-4086	227	14	return	return	NOUN
fsr-4086	227	15	is	be	AUX
fsr-4086	227	16	4	4	NUM
fsr-4086	227	17	%	%	NOUN
fsr-4086	227	18	per	per	ADP
fsr-4086	227	19	year	year	NOUN
fsr-4086	227	20	(	(	PUNCT
fsr-4086	227	21	round	round	VERB
fsr-4086	227	22	the	the	DET
fsr-4086	227	23	answer	answer	NOUN
fsr-4086	227	24	to	to	ADP
fsr-4086	227	25	the	the	DET
fsr-4086	227	26	nearest	near	ADJ
fsr-4086	227	27	dollar	dollar	NOUN
fsr-4086	227	28	)	)	PUNCT
fsr-4086	227	29	?	?	PUNCT
fsr-4086	228	1	a.	a.	NOUN
fsr-4086	228	2	$	$	SYM
fsr-4086	228	3	3,650	3,650	NUM
fsr-4086	228	4	b.	b.	NOUN
fsr-4086	228	5	$	$	SYM
fsr-4086	228	6	8,453	8,453	NUM
fsr-4086	228	7	c.	c.	NOUN
fsr-4086	228	8	$	$	SYM
fsr-4086	228	9	12,931	12,931	NUM
fsr-4086	228	10	d.	d.	NOUN
fsr-4086	228	11	$	$	SYM
fsr-4086	228	12	16,249	16,249	NUM
fsr-4086	228	13	(	(	PUNCT
fsr-4086	228	14	correct	correct	ADJ
fsr-4086	228	15	answer	answer	NOUN
fsr-4086	228	16	)	)	PUNCT
fsr-4086	228	17	5	5	NUM
fsr-4086	228	18	.	.	PUNCT
fsr-4086	229	1	dan	dan	PROPN
fsr-4086	229	2	can	can	AUX
fsr-4086	229	3	earn	earn	VERB
fsr-4086	229	4	an	an	DET
fsr-4086	229	5	8	8	NUM
fsr-4086	229	6	%	%	NOUN
fsr-4086	229	7	annual	annual	ADJ
fsr-4086	229	8	interest	interest	NOUN
fsr-4086	229	9	rate	rate	NOUN
fsr-4086	229	10	.	.	PUNCT
fsr-4086	230	1	if	if	SCONJ
fsr-4086	230	2	he	he	PRON
fsr-4086	230	3	invests	invest	VERB
fsr-4086	230	4	$	$	SYM
fsr-4086	230	5	20,165	20,165	NUM
fsr-4086	230	6	today	today	NOUN
fsr-4086	230	7	,	,	PUNCT
fsr-4086	230	8	how	how	SCONJ
fsr-4086	230	9	many	many	ADJ
fsr-4086	230	10	years	year	NOUN
fsr-4086	230	11	does	do	AUX
fsr-4086	230	12	he	he	PRON
fsr-4086	230	13	have	have	VERB
fsr-4086	230	14	to	to	PART
fsr-4086	230	15	wait	wait	VERB
fsr-4086	230	16	to	to	PART
fsr-4086	230	17	accumulate	accumulate	VERB
fsr-4086	230	18	32,000	32,000	NUM
fsr-4086	230	19	(	(	PUNCT
fsr-4086	230	20	round	round	NOUN
fsr-4086	230	21	to	to	ADP
fsr-4086	230	22	the	the	DET
fsr-4086	230	23	nearest	near	ADJ
fsr-4086	230	24	whole	whole	ADJ
fsr-4086	230	25	year	year	NOUN
fsr-4086	230	26	)	)	PUNCT
fsr-4086	230	27	?	?	PUNCT
fsr-4086	231	1	a.	a.	NOUN
fsr-4086	231	2	2	2	NUM
fsr-4086	231	3	years	year	NOUN
fsr-4086	231	4	b.	b.	NOUN
fsr-4086	231	5	4	4	NUM
fsr-4086	231	6	years	year	NOUN
fsr-4086	231	7	c.	c.	NOUN
fsr-4086	231	8	6	6	NUM
fsr-4086	231	9	years	year	NOUN
fsr-4086	231	10	(	(	PUNCT
fsr-4086	231	11	correct	correct	ADJ
fsr-4086	231	12	answer	answer	NOUN
fsr-4086	231	13	)	)	PUNCT
fsr-4086	231	14	d.	d.	NOUN
fsr-4086	231	15	8	8	NUM
fsr-4086	231	16	years	year	NOUN
fsr-4086	231	17	6	6	NUM
fsr-4086	231	18	.	.	PUNCT
fsr-4086	232	1	a	a	DET
fsr-4086	232	2	client	client	NOUN
fsr-4086	232	3	intends	intend	VERB
fsr-4086	232	4	to	to	PART
fsr-4086	232	5	place	place	VERB
fsr-4086	232	6	a	a	DET
fsr-4086	232	7	$	$	SYM
fsr-4086	232	8	2,500	2,500	NUM
fsr-4086	232	9	lump	lump	NOUN
fsr-4086	232	10	sum	sum	NOUN
fsr-4086	232	11	amount	amount	NOUN
fsr-4086	232	12	into	into	ADP
fsr-4086	232	13	a	a	DET
fsr-4086	232	14	savings	saving	NOUN
fsr-4086	232	15	account	account	NOUN
fsr-4086	232	16	that	that	PRON
fsr-4086	232	17	earns	earn	VERB
fsr-4086	232	18	5	5	NUM
fsr-4086	232	19	%	%	NOUN
fsr-4086	232	20	interest	interest	NOUN
fsr-4086	232	21	,	,	PUNCT
fsr-4086	232	22	compounded	compound	VERB
fsr-4086	232	23	monthly	monthly	ADV
fsr-4086	232	24	.	.	PUNCT
fsr-4086	233	1	if	if	SCONJ
fsr-4086	233	2	the	the	DET
fsr-4086	233	3	lump	lump	NOUN
fsr-4086	233	4	sum	sum	NOUN
fsr-4086	233	5	is	be	AUX
fsr-4086	233	6	left	leave	VERB
fsr-4086	233	7	to	to	PART
fsr-4086	233	8	accumulate	accumulate	VERB
fsr-4086	233	9	,	,	PUNCT
fsr-4086	233	10	how	how	SCONJ
fsr-4086	233	11	much	much	ADJ
fsr-4086	233	12	will	will	AUX
fsr-4086	233	13	be	be	AUX
fsr-4086	233	14	in	in	ADP
fsr-4086	233	15	the	the	DET
fsr-4086	233	16	account	account	NOUN
fsr-4086	233	17	in	in	ADP
fsr-4086	233	18	the	the	DET
fsr-4086	233	19	future	future	NOUN
fsr-4086	233	20	,	,	PUNCT
fsr-4086	233	21	at	at	ADP
fsr-4086	233	22	the	the	DET
fsr-4086	233	23	end	end	NOUN
fsr-4086	233	24	of	of	ADP
fsr-4086	233	25	4	4	NUM
fsr-4086	233	26	years	year	NOUN
fsr-4086	233	27	(	(	PUNCT
fsr-4086	233	28	round	round	VERB
fsr-4086	233	29	the	the	DET
fsr-4086	233	30	answer	answer	NOUN
fsr-4086	233	31	to	to	ADP
fsr-4086	233	32	the	the	DET
fsr-4086	233	33	nearest	near	ADJ
fsr-4086	233	34	dollar	dollar	NOUN
fsr-4086	233	35	)	)	PUNCT
fsr-4086	233	36	?	?	PUNCT
fsr-4086	234	1	a.	a.	NOUN
fsr-4086	234	2	$	$	SYM
fsr-4086	234	3	2,057	2,057	NUM
fsr-4086	234	4	b.	b.	NOUN
fsr-4086	234	5	$	$	SYM
fsr-4086	234	6	2,542	2,542	NUM
fsr-4086	234	7	c.	c.	NOUN
fsr-4086	234	8	$	$	SYM
fsr-4086	234	9	3,039	3,039	NUM
fsr-4086	234	10	d.	d.	NOUN
fsr-4086	234	11	$	$	SYM
fsr-4086	234	12	3,052	3,052	NUM
fsr-4086	234	13	(	(	PUNCT
fsr-4086	234	14	correct	correct	ADJ
fsr-4086	234	15	answer	answer	NOUN
fsr-4086	234	16	)	)	PUNCT
fsr-4086	234	17	7	7	X
fsr-4086	234	18	.	.	X
fsr-4086	234	19	judy	judy	PROPN
fsr-4086	234	20	would	would	AUX
fsr-4086	234	21	like	like	VERB
fsr-4086	234	22	to	to	PART
fsr-4086	234	23	have	have	VERB
fsr-4086	234	24	$	$	SYM
fsr-4086	234	25	200,000	200,000	NUM
fsr-4086	234	26	saved	save	VERB
fsr-4086	234	27	in	in	ADP
fsr-4086	234	28	her	her	PRON
fsr-4086	234	29	retirement	retirement	NOUN
fsr-4086	234	30	account	account	NOUN
fsr-4086	234	31	in	in	ADP
fsr-4086	234	32	20	20	NUM
fsr-4086	234	33	years	year	NOUN
fsr-4086	234	34	.	.	PUNCT
fsr-4086	235	1	at	at	ADP
fsr-4086	235	2	an	an	DET
fsr-4086	235	3	interest	interest	NOUN
fsr-4086	235	4	rate	rate	NOUN
fsr-4086	235	5	of	of	ADP
fsr-4086	235	6	7	7	NUM
fsr-4086	235	7	percent	percent	NOUN
fsr-4086	235	8	,	,	PUNCT
fsr-4086	235	9	how	how	SCONJ
fsr-4086	235	10	much	much	ADJ
fsr-4086	235	11	should	should	AUX
fsr-4086	235	12	she	she	PRON
fsr-4086	235	13	contribute	contribute	VERB
fsr-4086	235	14	each	each	DET
fsr-4086	235	15	and	and	CCONJ
fsr-4086	235	16	every	every	PRON
fsr-4086	235	17	year	year	NOUN
fsr-4086	235	18	(	(	PUNCT
fsr-4086	235	19	round	round	VERB
fsr-4086	235	20	the	the	DET
fsr-4086	235	21	answer	answer	NOUN
fsr-4086	235	22	to	to	ADP
fsr-4086	235	23	the	the	DET
fsr-4086	235	24	nearest	near	ADJ
fsr-4086	235	25	dollar	dollar	NOUN
fsr-4086	235	26	)	)	PUNCT
fsr-4086	235	27	?	?	PUNCT
fsr-4086	236	1	a.	a.	NOUN
fsr-4086	236	2	$	$	SYM
fsr-4086	236	3	3,492	3,492	NUM
fsr-4086	236	4	b.	b.	NOUN
fsr-4086	236	5	$	$	SYM
fsr-4086	236	6	3,569	3,569	NUM
fsr-4086	236	7	c.	c.	NOUN
fsr-4086	236	8	$	$	SYM
fsr-4086	236	9	5,684	5,684	NUM
fsr-4086	236	10	anderson	anderson	PROPN
fsr-4086	236	11	&	&	CCONJ
fsr-4086	236	12	gray	gray	VERB
fsr-4086	236	13	73	73	NUM
fsr-4086	236	14	d.	d.	PROPN
fsr-4086	236	15	$	$	SYM
fsr-4086	236	16	4,879	4,879	NUM
fsr-4086	236	17	(	(	PUNCT
fsr-4086	236	18	correct	correct	ADJ
fsr-4086	236	19	answer	answer	NOUN
fsr-4086	236	20	)	)	PUNCT
fsr-4086	236	21	8	8	NUM
fsr-4086	236	22	.	.	PUNCT
fsr-4086	237	1	every	every	DET
fsr-4086	237	2	year	year	NOUN
fsr-4086	237	3	,	,	PUNCT
fsr-4086	237	4	mark	mark	PROPN
fsr-4086	237	5	puts	put	VERB
fsr-4086	237	6	$	$	SYM
fsr-4086	237	7	500	500	NUM
fsr-4086	237	8	in	in	ADP
fsr-4086	237	9	a	a	DET
fsr-4086	237	10	bank	bank	NOUN
fsr-4086	237	11	account	account	NOUN
fsr-4086	237	12	that	that	PRON
fsr-4086	237	13	earns	earn	VERB
fsr-4086	237	14	an	an	DET
fsr-4086	237	15	annual	annual	ADJ
fsr-4086	237	16	rate	rate	NOUN
fsr-4086	237	17	of	of	ADP
fsr-4086	237	18	return	return	NOUN
fsr-4086	237	19	of	of	ADP
fsr-4086	237	20	6	6	NUM
fsr-4086	237	21	%	%	NOUN
fsr-4086	237	22	at	at	ADP
fsr-4086	237	23	the	the	DET
fsr-4086	237	24	beginning	beginning	NOUN
fsr-4086	237	25	of	of	ADP
fsr-4086	237	26	the	the	DET
fsr-4086	237	27	interest	interest	NOUN
fsr-4086	237	28	rate	rate	NOUN
fsr-4086	237	29	cycle	cycle	NOUN
fsr-4086	237	30	.	.	PUNCT
fsr-4086	238	1	how	how	SCONJ
fsr-4086	238	2	much	much	ADJ
fsr-4086	238	3	will	will	AUX
fsr-4086	238	4	you	you	PRON
fsr-4086	238	5	have	have	VERB
fsr-4086	238	6	in	in	ADP
fsr-4086	238	7	that	that	DET
fsr-4086	238	8	bank	bank	NOUN
fsr-4086	238	9	account	account	NOUN
fsr-4086	238	10	after	after	ADP
fsr-4086	238	11	6	6	NUM
fsr-4086	238	12	years	year	NOUN
fsr-4086	238	13	?	?	PUNCT
fsr-4086	239	1	(	(	PUNCT
fsr-4086	239	2	round	round	VERB
fsr-4086	239	3	the	the	DET
fsr-4086	239	4	answer	answer	NOUN
fsr-4086	239	5	to	to	ADP
fsr-4086	239	6	the	the	DET
fsr-4086	239	7	nearest	near	ADJ
fsr-4086	239	8	dollar	dollar	NOUN
fsr-4086	239	9	and	and	CCONJ
fsr-4086	239	10	use	use	VERB
fsr-4086	239	11	begin	begin	VERB
fsr-4086	239	12	mode	mode	NOUN
fsr-4086	239	13	)	)	PUNCT
fsr-4086	239	14	a.	a.	NOUN
fsr-4086	239	15	-$3,697	-$3,697	PROPN
fsr-4086	239	16	b.	b.	PROPN
fsr-4086	239	17	-$3,488	-$3,488	PROPN
fsr-4086	239	18	c.	c.	PROPN
fsr-4086	239	19	$	$	SYM
fsr-4086	239	20	3,488	3,488	NUM
fsr-4086	239	21	d.	d.	NOUN
fsr-4086	239	22	$	$	SYM
fsr-4086	239	23	3,697	3,697	NUM
fsr-4086	239	24	(	(	PUNCT
fsr-4086	239	25	correct	correct	ADJ
fsr-4086	239	26	answer	answer	NOUN
fsr-4086	239	27	)	)	PUNCT
fsr-4086	239	28	9	9	X
fsr-4086	239	29	.	.	X
fsr-4086	240	1	billy	billy	PROPN
fsr-4086	240	2	wants	want	VERB
fsr-4086	240	3	to	to	PART
fsr-4086	240	4	attend	attend	VERB
fsr-4086	240	5	mcpherson	mcpherson	PROPN
fsr-4086	240	6	college	college	PROPN
fsr-4086	240	7	when	when	SCONJ
fsr-4086	240	8	he	he	PRON
fsr-4086	240	9	graduates	graduate	VERB
fsr-4086	240	10	high	high	ADJ
fsr-4086	240	11	school	school	NOUN
fsr-4086	240	12	in	in	ADP
fsr-4086	240	13	7	7	NUM
fsr-4086	240	14	years	year	NOUN
fsr-4086	240	15	.	.	PUNCT
fsr-4086	241	1	current	current	ADJ
fsr-4086	241	2	annual	annual	ADJ
fsr-4086	241	3	tuition	tuition	NOUN
fsr-4086	241	4	is	be	AUX
fsr-4086	241	5	$	$	SYM
fsr-4086	241	6	19,000	19,000	NUM
fsr-4086	241	7	.	.	PUNCT
fsr-4086	242	1	if	if	SCONJ
fsr-4086	242	2	tuition	tuition	NOUN
fsr-4086	242	3	rates	rate	NOUN
fsr-4086	242	4	are	be	AUX
fsr-4086	242	5	rising	rise	VERB
fsr-4086	242	6	at	at	ADP
fsr-4086	242	7	6	6	NUM
fsr-4086	242	8	%	%	NOUN
fsr-4086	242	9	,	,	PUNCT
fsr-4086	242	10	what	what	PRON
fsr-4086	242	11	will	will	AUX
fsr-4086	242	12	be	be	AUX
fsr-4086	242	13	the	the	DET
fsr-4086	242	14	annual	annual	ADJ
fsr-4086	242	15	tuition	tuition	NOUN
fsr-4086	242	16	cost	cost	NOUN
fsr-4086	242	17	when	when	SCONJ
fsr-4086	242	18	billy	billy	PROPN
fsr-4086	242	19	enters	enter	VERB
fsr-4086	242	20	college	college	NOUN
fsr-4086	242	21	in	in	ADP
fsr-4086	242	22	7	7	NUM
fsr-4086	242	23	years	year	NOUN
fsr-4086	242	24	(	(	PUNCT
fsr-4086	242	25	round	round	VERB
fsr-4086	242	26	the	the	DET
fsr-4086	242	27	answer	answer	NOUN
fsr-4086	242	28	to	to	ADP
fsr-4086	242	29	the	the	DET
fsr-4086	242	30	nearest	near	ADJ
fsr-4086	242	31	dollar	dollar	NOUN
fsr-4086	242	32	)	)	PUNCT
fsr-4086	242	33	?	?	PUNCT
fsr-4086	243	1	a.	a.	NOUN
fsr-4086	243	2	$	$	SYM
fsr-4086	243	3	12,636	12,636	NUM
fsr-4086	243	4	b.	b.	NOUN
fsr-4086	243	5	$	$	SYM
fsr-4086	243	6	23,825	23,825	NUM
fsr-4086	243	7	c.	c.	NOUN
fsr-4086	243	8	$	$	SYM
fsr-4086	243	9	28,514	28,514	NUM
fsr-4086	243	10	d.	d.	NOUN
fsr-4086	243	11	$	$	SYM
fsr-4086	243	12	28,569	28,569	NUM
fsr-4086	243	13	(	(	PUNCT
fsr-4086	243	14	correct	correct	ADJ
fsr-4086	243	15	answer	answer	NOUN
fsr-4086	243	16	)	)	PUNCT
fsr-4086	243	17	10	10	NUM
fsr-4086	243	18	.	.	PUNCT
fsr-4086	244	1	if	if	SCONJ
fsr-4086	244	2	jim	jim	PROPN
fsr-4086	244	3	wants	want	VERB
fsr-4086	244	4	$	$	SYM
fsr-4086	244	5	25,000	25,000	NUM
fsr-4086	244	6	in	in	ADP
fsr-4086	244	7	5	5	NUM
fsr-4086	244	8	years	year	NOUN
fsr-4086	244	9	and	and	CCONJ
fsr-4086	244	10	can	can	AUX
fsr-4086	244	11	earn	earn	VERB
fsr-4086	244	12	an	an	DET
fsr-4086	244	13	8.33	8.33	NUM
fsr-4086	244	14	%	%	NOUN
fsr-4086	244	15	interest	interest	NOUN
fsr-4086	244	16	rate	rate	NOUN
fsr-4086	244	17	that	that	PRON
fsr-4086	244	18	is	be	AUX
fsr-4086	244	19	compounded	compound	VERB
fsr-4086	244	20	quarterly	quarterly	ADV
fsr-4086	244	21	,	,	PUNCT
fsr-4086	244	22	how	how	SCONJ
fsr-4086	244	23	much	much	ADJ
fsr-4086	244	24	does	do	AUX
fsr-4086	244	25	he	he	PRON
fsr-4086	244	26	need	need	VERB
fsr-4086	244	27	to	to	PART
fsr-4086	244	28	invest	invest	VERB
fsr-4086	244	29	today	today	NOUN
fsr-4086	244	30	(	(	PUNCT
fsr-4086	244	31	round	round	VERB
fsr-4086	244	32	the	the	DET
fsr-4086	244	33	answer	answer	NOUN
fsr-4086	244	34	to	to	ADP
fsr-4086	244	35	the	the	DET
fsr-4086	244	36	nearest	near	ADJ
fsr-4086	244	37	dollar	dollar	NOUN
fsr-4086	244	38	)	)	PUNCT
fsr-4086	244	39	?	?	PUNCT
fsr-4086	245	1	a.	a.	NOUN
fsr-4086	245	2	$	$	SYM
fsr-4086	245	3	16,554	16,554	NUM
fsr-4086	245	4	(	(	PUNCT
fsr-4086	245	5	correct	correct	ADJ
fsr-4086	245	6	answer	answer	NOUN
fsr-4086	245	7	)	)	PUNCT
fsr-4086	245	8	b.	b.	PROPN
fsr-4086	246	1	$	$	SYM
fsr-4086	246	2	16,980	16,980	NUM
fsr-4086	246	3	c.	c.	NOUN
fsr-4086	246	4	$	$	SYM
fsr-4086	246	5	20,410	20,410	NUM
fsr-4086	246	6	d.	d.	PROPN
fsr-4086	246	7	$	$	SYM
fsr-4086	246	8	37,755	37,755	NUM
fsr-4086	246	9	exam	exam	NOUN
fsr-4086	246	10	2	2	NUM
fsr-4086	246	11	(	(	PUNCT
fsr-4086	246	12	e2	e2	PROPN
fsr-4086	246	13	)	)	PUNCT
fsr-4086	246	14	1	1	NUM
fsr-4086	246	15	.	.	PUNCT
fsr-4086	247	1	how	how	SCONJ
fsr-4086	247	2	much	much	ADJ
fsr-4086	247	3	must	must	AUX
fsr-4086	247	4	you	you	PRON
fsr-4086	247	5	invest	invest	VERB
fsr-4086	247	6	today	today	NOUN
fsr-4086	247	7	at	at	ADP
fsr-4086	247	8	15	15	NUM
fsr-4086	247	9	%	%	NOUN
fsr-4086	247	10	interest	interest	NOUN
fsr-4086	247	11	in	in	ADP
fsr-4086	247	12	order	order	NOUN
fsr-4086	247	13	to	to	PART
fsr-4086	247	14	see	see	VERB
fsr-4086	247	15	your	your	PRON
fsr-4086	247	16	investment	investment	NOUN
fsr-4086	247	17	grow	grow	VERB
fsr-4086	247	18	to	to	ADP
fsr-4086	247	19	$	$	SYM
fsr-4086	247	20	20,000	20,000	NUM
fsr-4086	247	21	in	in	ADP
fsr-4086	247	22	15	15	NUM
fsr-4086	247	23	years	year	NOUN
fsr-4086	247	24	(	(	PUNCT
fsr-4086	247	25	round	round	VERB
fsr-4086	247	26	the	the	DET
fsr-4086	247	27	answer	answer	NOUN
fsr-4086	247	28	to	to	ADP
fsr-4086	247	29	the	the	DET
fsr-4086	247	30	nearest	near	ADJ
fsr-4086	247	31	dollar	dollar	NOUN
fsr-4086	247	32	)	)	PUNCT
fsr-4086	247	33	?	?	PUNCT
fsr-4086	248	1	a.	a.	NOUN
fsr-4086	248	2	$	$	SYM
fsr-4086	248	3	1,568	1,568	NUM
fsr-4086	248	4	b.	b.	NOUN
fsr-4086	248	5	$	$	SYM
fsr-4086	248	6	1,786	1,786	NUM
fsr-4086	248	7	c.	c.	NOUN
fsr-4086	248	8	$	$	SYM
fsr-4086	248	9	2,458	2,458	NUM
fsr-4086	248	10	(	(	PUNCT
fsr-4086	248	11	correct	correct	ADJ
fsr-4086	248	12	answer	answer	NOUN
fsr-4086	248	13	)	)	PUNCT
fsr-4086	248	14	d.	d.	NOUN
fsr-4086	249	1	$	$	SYM
fsr-4086	249	2	2,594	2,594	NUM
fsr-4086	249	3	2	2	NUM
fsr-4086	249	4	.	.	PUNCT
fsr-4086	250	1	at	at	ADP
fsr-4086	250	2	what	what	PRON
fsr-4086	250	3	annual	annual	ADJ
fsr-4086	250	4	rate	rate	NOUN
fsr-4086	250	5	would	would	AUX
fsr-4086	250	6	$	$	SYM
fsr-4086	250	7	1,500	1,500	NUM
fsr-4086	250	8	grow	grow	VERB
fsr-4086	250	9	to	to	ADP
fsr-4086	250	10	$	$	SYM
fsr-4086	250	11	2,221	2,221	NUM
fsr-4086	250	12	in	in	ADP
fsr-4086	250	13	10	10	NUM
fsr-4086	250	14	years	year	NOUN
fsr-4086	250	15	?	?	PUNCT
fsr-4086	251	1	a.	a.	NOUN
fsr-4086	251	2	3.0	3.0	NUM
fsr-4086	251	3	%	%	NOUN
fsr-4086	251	4	b.	b.	NOUN
fsr-4086	251	5	3.5	3.5	NUM
fsr-4086	251	6	%	%	NOUN
fsr-4086	251	7	c.	c.	NOUN
fsr-4086	251	8	4.0	4.0	NUM
fsr-4086	251	9	%	%	NOUN
fsr-4086	251	10	(	(	PUNCT
fsr-4086	251	11	correct	correct	ADJ
fsr-4086	251	12	answer	answer	NOUN
fsr-4086	251	13	)	)	PUNCT
fsr-4086	251	14	d.	d.	NOUN
fsr-4086	251	15	4.5	4.5	NUM
fsr-4086	251	16	%	%	NOUN
fsr-4086	252	1	3	3	NUM
fsr-4086	252	2	.	.	PUNCT
fsr-4086	253	1	if	if	SCONJ
fsr-4086	253	2	lucky	lucky	ADJ
fsr-4086	253	3	louie	louie	PROPN
fsr-4086	253	4	won	win	VERB
fsr-4086	253	5	a	a	DET
fsr-4086	253	6	lottery	lottery	NOUN
fsr-4086	253	7	and	and	CCONJ
fsr-4086	253	8	chose	choose	VERB
fsr-4086	253	9	to	to	PART
fsr-4086	253	10	take	take	VERB
fsr-4086	253	11	$	$	SYM
fsr-4086	253	12	500,000	500,000	NUM
fsr-4086	253	13	in	in	ADP
fsr-4086	253	14	cash	cash	NOUN
fsr-4086	253	15	(	(	PUNCT
fsr-4086	253	16	disregarding	disregard	VERB
fsr-4086	253	17	taxes	taxis	NOUN
fsr-4086	253	18	)	)	PUNCT
fsr-4086	253	19	,	,	PUNCT
fsr-4086	253	20	how	how	SCONJ
fsr-4086	253	21	much	much	ADJ
fsr-4086	253	22	money	money	NOUN
fsr-4086	253	23	would	would	AUX
fsr-4086	253	24	he	he	PRON
fsr-4086	253	25	have	have	VERB
fsr-4086	253	26	in	in	ADP
fsr-4086	253	27	15	15	NUM
fsr-4086	253	28	years	year	NOUN
fsr-4086	253	29	if	if	SCONJ
fsr-4086	253	30	he	he	PRON
fsr-4086	253	31	invested	invest	VERB
fsr-4086	253	32	at	at	ADP
fsr-4086	253	33	8	8	NUM
fsr-4086	253	34	%	%	NOUN
fsr-4086	253	35	per	per	ADP
fsr-4086	253	36	annum	annum	X
fsr-4086	253	37	(	(	PUNCT
fsr-4086	253	38	round	round	VERB
fsr-4086	253	39	the	the	DET
fsr-4086	253	40	answer	answer	NOUN
fsr-4086	253	41	to	to	ADP
fsr-4086	253	42	the	the	DET
fsr-4086	253	43	nearest	near	ADJ
fsr-4086	253	44	dollar	dollar	NOUN
fsr-4086	253	45	)	)	PUNCT
fsr-4086	253	46	?	?	PUNCT
fsr-4086	254	1	a.	a.	NOUN
fsr-4086	254	2	$	$	SYM
fsr-4086	254	3	1,586,085	1,586,085	NUM
fsr-4086	254	4	(	(	PUNCT
fsr-4086	254	5	correct	correct	ADJ
fsr-4086	254	6	answer	answer	NOUN
fsr-4086	254	7	)	)	PUNCT
fsr-4086	254	8	b.	b.	PROPN
fsr-4086	255	1	$	$	SYM
fsr-4086	255	2	1,698,345	1,698,345	NUM
fsr-4086	255	3	c.	c.	NOUN
fsr-4086	255	4	$	$	SYM
fsr-4086	255	5	2,467,711	2,467,711	NUM
fsr-4086	255	6	d.	d.	NOUN
fsr-4086	255	7	$	$	SYM
fsr-4086	255	8	2,679,345	2,679,345	NUM
fsr-4086	255	9	4	4	NUM
fsr-4086	255	10	.	.	PUNCT
fsr-4086	256	1	sally	sally	PROPN
fsr-4086	256	2	contributes	contribute	VERB
fsr-4086	256	3	$	$	SYM
fsr-4086	256	4	5,000	5,000	NUM
fsr-4086	256	5	each	each	DET
fsr-4086	256	6	year	year	NOUN
fsr-4086	256	7	to	to	ADP
fsr-4086	256	8	her	her	PRON
fsr-4086	256	9	roth	roth	PROPN
fsr-4086	256	10	ira	ira	PROPN
fsr-4086	256	11	(	(	PUNCT
fsr-4086	256	12	a	a	DET
fsr-4086	256	13	type	type	NOUN
fsr-4086	256	14	of	of	ADP
fsr-4086	256	15	retirement	retirement	NOUN
fsr-4086	256	16	savings	saving	NOUN
fsr-4086	256	17	account	account	NOUN
fsr-4086	256	18	)	)	PUNCT
fsr-4086	256	19	.	.	PUNCT
fsr-4086	257	1	what	what	PRON
fsr-4086	257	2	is	be	AUX
fsr-4086	257	3	the	the	DET
fsr-4086	257	4	value	value	NOUN
fsr-4086	257	5	of	of	ADP
fsr-4086	257	6	her	her	PRON
fsr-4086	257	7	account	account	NOUN
fsr-4086	257	8	after	after	ADP
fsr-4086	257	9	10	10	NUM
fsr-4086	257	10	years	year	NOUN
fsr-4086	257	11	if	if	SCONJ
fsr-4086	257	12	her	her	PRON
fsr-4086	257	13	annual	annual	ADJ
fsr-4086	257	14	return	return	NOUN
fsr-4086	257	15	is	be	AUX
fsr-4086	257	16	8	8	NUM
fsr-4086	257	17	%	%	NOUN
fsr-4086	257	18	per	per	ADP
fsr-4086	257	19	year	year	NOUN
fsr-4086	257	20	(	(	PUNCT
fsr-4086	257	21	round	round	VERB
fsr-4086	257	22	the	the	DET
fsr-4086	257	23	answer	answer	NOUN
fsr-4086	257	24	to	to	ADP
fsr-4086	257	25	the	the	DET
fsr-4086	257	26	nearest	near	ADJ
fsr-4086	257	27	dollar	dollar	NOUN
fsr-4086	257	28	)	)	PUNCT
fsr-4086	257	29	?	?	PUNCT
fsr-4086	258	1	a.	a.	NOUN
fsr-4086	258	2	$	$	SYM
fsr-4086	258	3	72,433	72,433	NUM
fsr-4086	258	4	(	(	PUNCT
fsr-4086	258	5	correct	correct	ADJ
fsr-4086	258	6	answer	answer	NOUN
fsr-4086	258	7	)	)	PUNCT
fsr-4086	258	8	b.	b.	PROPN
fsr-4086	259	1	$	$	SYM
fsr-4086	259	2	75,699	75,699	NUM
fsr-4086	259	3	financial	financial	ADJ
fsr-4086	259	4	services	service	NOUN
fsr-4086	259	5	review	review	NOUN
fsr-4086	259	6	,	,	PUNCT
fsr-4086	259	7	33(4	33(4	NUM
fsr-4086	259	8	)	)	PUNCT
fsr-4086	259	9	74	74	NUM
fsr-4086	259	10	c.	c.	NOUN
fsr-4086	259	11	$	$	SYM
fsr-4086	259	12	76,606	76,606	NUM
fsr-4086	259	13	d.	d.	NOUN
fsr-4086	259	14	$	$	SYM
fsr-4086	259	15	77,556	77,556	NUM
fsr-4086	259	16	5	5	NUM
fsr-4086	259	17	.	.	PUNCT
fsr-4086	260	1	dan	dan	PROPN
fsr-4086	260	2	can	can	AUX
fsr-4086	260	3	earn	earn	VERB
fsr-4086	260	4	a	a	DET
fsr-4086	260	5	4	4	NUM
fsr-4086	260	6	%	%	NOUN
fsr-4086	260	7	annual	annual	ADJ
fsr-4086	260	8	interest	interest	NOUN
fsr-4086	260	9	rate	rate	NOUN
fsr-4086	260	10	.	.	PUNCT
fsr-4086	261	1	if	if	SCONJ
fsr-4086	261	2	he	he	PRON
fsr-4086	261	3	invests	invest	VERB
fsr-4086	261	4	$	$	SYM
fsr-4086	261	5	29,230	29,230	NUM
fsr-4086	261	6	today	today	NOUN
fsr-4086	261	7	,	,	PUNCT
fsr-4086	261	8	how	how	SCONJ
fsr-4086	261	9	many	many	ADJ
fsr-4086	261	10	years	year	NOUN
fsr-4086	261	11	does	do	AUX
fsr-4086	261	12	he	he	PRON
fsr-4086	261	13	have	have	VERB
fsr-4086	261	14	to	to	PART
fsr-4086	261	15	wait	wait	VERB
fsr-4086	261	16	to	to	PART
fsr-4086	261	17	accumulate	accumulate	VERB
fsr-4086	261	18	40,000	40,000	NUM
fsr-4086	261	19	(	(	PUNCT
fsr-4086	261	20	round	round	NOUN
fsr-4086	261	21	to	to	ADP
fsr-4086	261	22	the	the	DET
fsr-4086	261	23	nearest	near	ADJ
fsr-4086	261	24	whole	whole	ADJ
fsr-4086	261	25	year	year	NOUN
fsr-4086	261	26	)	)	PUNCT
fsr-4086	261	27	?	?	PUNCT
fsr-4086	262	1	a.	a.	NOUN
fsr-4086	262	2	2	2	NUM
fsr-4086	262	3	years	year	NOUN
fsr-4086	262	4	b.	b.	NOUN
fsr-4086	262	5	4	4	NUM
fsr-4086	262	6	years	year	NOUN
fsr-4086	262	7	c.	c.	NOUN
fsr-4086	262	8	6	6	NUM
fsr-4086	262	9	years	year	NOUN
fsr-4086	262	10	d.	d.	NOUN
fsr-4086	262	11	8	8	NUM
fsr-4086	262	12	years	year	NOUN
fsr-4086	262	13	(	(	PUNCT
fsr-4086	262	14	correct	correct	ADJ
fsr-4086	262	15	answer	answer	NOUN
fsr-4086	262	16	)	)	PUNCT
fsr-4086	262	17	6	6	NUM
fsr-4086	262	18	.	.	PUNCT
fsr-4086	263	1	a	a	DET
fsr-4086	263	2	client	client	NOUN
fsr-4086	263	3	intends	intend	VERB
fsr-4086	263	4	to	to	PART
fsr-4086	263	5	place	place	VERB
fsr-4086	263	6	a	a	DET
fsr-4086	263	7	$	$	SYM
fsr-4086	263	8	4,000	4,000	NUM
fsr-4086	263	9	lump	lump	NOUN
fsr-4086	263	10	sum	sum	NOUN
fsr-4086	263	11	amount	amount	NOUN
fsr-4086	263	12	into	into	ADP
fsr-4086	263	13	a	a	DET
fsr-4086	263	14	savings	saving	NOUN
fsr-4086	263	15	account	account	NOUN
fsr-4086	263	16	that	that	PRON
fsr-4086	263	17	earns	earn	VERB
fsr-4086	263	18	6	6	NUM
fsr-4086	263	19	%	%	NOUN
fsr-4086	263	20	interest	interest	NOUN
fsr-4086	263	21	,	,	PUNCT
fsr-4086	263	22	compounded	compound	VERB
fsr-4086	263	23	monthly	monthly	ADV
fsr-4086	263	24	.	.	PUNCT
fsr-4086	264	1	if	if	SCONJ
fsr-4086	264	2	the	the	DET
fsr-4086	264	3	lump	lump	NOUN
fsr-4086	264	4	sum	sum	NOUN
fsr-4086	264	5	is	be	AUX
fsr-4086	264	6	left	leave	VERB
fsr-4086	264	7	to	to	PART
fsr-4086	264	8	accumulate	accumulate	VERB
fsr-4086	264	9	,	,	PUNCT
fsr-4086	264	10	how	how	SCONJ
fsr-4086	264	11	much	much	ADJ
fsr-4086	264	12	will	will	AUX
fsr-4086	264	13	be	be	AUX
fsr-4086	264	14	in	in	ADP
fsr-4086	264	15	the	the	DET
fsr-4086	264	16	account	account	NOUN
fsr-4086	264	17	in	in	ADP
fsr-4086	264	18	the	the	DET
fsr-4086	264	19	future	future	NOUN
fsr-4086	264	20	,	,	PUNCT
fsr-4086	264	21	at	at	ADP
fsr-4086	264	22	the	the	DET
fsr-4086	264	23	end	end	NOUN
fsr-4086	264	24	of	of	ADP
fsr-4086	264	25	5	5	NUM
fsr-4086	264	26	years	year	NOUN
fsr-4086	264	27	(	(	PUNCT
fsr-4086	264	28	round	round	VERB
fsr-4086	264	29	the	the	DET
fsr-4086	264	30	answer	answer	NOUN
fsr-4086	264	31	to	to	ADP
fsr-4086	264	32	the	the	DET
fsr-4086	264	33	nearest	near	ADJ
fsr-4086	264	34	dollar	dollar	NOUN
fsr-4086	264	35	)	)	PUNCT
fsr-4086	264	36	?	?	PUNCT
fsr-4086	265	1	a.	a.	NOUN
fsr-4086	265	2	$	$	SYM
fsr-4086	265	3	3,529	3,529	NUM
fsr-4086	265	4	b.	b.	NOUN
fsr-4086	265	5	$	$	SYM
fsr-4086	265	6	4,557	4,557	NUM
fsr-4086	265	7	c.	c.	NOUN
fsr-4086	265	8	$	$	SYM
fsr-4086	265	9	5,395	5,395	NUM
fsr-4086	265	10	(	(	PUNCT
fsr-4086	265	11	correct	correct	ADJ
fsr-4086	265	12	answer	answer	NOUN
fsr-4086	265	13	)	)	PUNCT
fsr-4086	265	14	d.	d.	NOUN
fsr-4086	265	15	$	$	SYM
fsr-4086	265	16	6,722	6,722	NUM
fsr-4086	265	17	7	7	NUM
fsr-4086	265	18	.	.	PUNCT
fsr-4086	266	1	judy	judy	PROPN
fsr-4086	266	2	would	would	AUX
fsr-4086	266	3	like	like	VERB
fsr-4086	266	4	to	to	PART
fsr-4086	266	5	have	have	VERB
fsr-4086	266	6	$	$	SYM
fsr-4086	266	7	400,000	400,000	NUM
fsr-4086	266	8	saved	save	VERB
fsr-4086	266	9	in	in	ADP
fsr-4086	266	10	her	her	PRON
fsr-4086	266	11	retirement	retirement	NOUN
fsr-4086	266	12	account	account	NOUN
fsr-4086	266	13	in	in	ADP
fsr-4086	266	14	15	15	NUM
fsr-4086	266	15	years	year	NOUN
fsr-4086	266	16	.	.	PUNCT
fsr-4086	267	1	at	at	ADP
fsr-4086	267	2	an	an	DET
fsr-4086	267	3	interest	interest	NOUN
fsr-4086	267	4	rate	rate	NOUN
fsr-4086	267	5	of	of	ADP
fsr-4086	267	6	9	9	NUM
fsr-4086	267	7	percent	percent	NOUN
fsr-4086	267	8	,	,	PUNCT
fsr-4086	267	9	how	how	SCONJ
fsr-4086	267	10	much	much	ADJ
fsr-4086	267	11	should	should	AUX
fsr-4086	267	12	she	she	PRON
fsr-4086	267	13	contribute	contribute	VERB
fsr-4086	267	14	each	each	DET
fsr-4086	267	15	and	and	CCONJ
fsr-4086	267	16	every	every	PRON
fsr-4086	267	17	year	year	NOUN
fsr-4086	267	18	(	(	PUNCT
fsr-4086	267	19	round	round	VERB
fsr-4086	267	20	the	the	DET
fsr-4086	267	21	answer	answer	NOUN
fsr-4086	267	22	to	to	ADP
fsr-4086	267	23	the	the	DET
fsr-4086	267	24	nearest	near	ADJ
fsr-4086	267	25	dollar	dollar	NOUN
fsr-4086	267	26	)	)	PUNCT
fsr-4086	267	27	?	?	PUNCT
fsr-4086	268	1	a.	a.	NOUN
fsr-4086	268	2	$	$	SYM
fsr-4086	268	3	13,624	13,624	NUM
fsr-4086	268	4	(	(	PUNCT
fsr-4086	268	5	correct	correct	ADJ
fsr-4086	268	6	answer	answer	NOUN
fsr-4086	268	7	)	)	PUNCT
fsr-4086	268	8	b.	b.	PROPN
fsr-4086	269	1	$	$	SYM
fsr-4086	269	2	13,331	13,331	NUM
fsr-4086	269	3	c.	c.	NOUN
fsr-4086	269	4	$	$	SYM
fsr-4086	269	5	14,444	14,444	NUM
fsr-4086	269	6	d.	d.	PROPN
fsr-4086	269	7	$	$	SYM
fsr-4086	269	8	14,561	14,561	NUM
fsr-4086	269	9	8	8	NUM
fsr-4086	269	10	.	.	PUNCT
fsr-4086	270	1	every	every	DET
fsr-4086	270	2	year	year	NOUN
fsr-4086	270	3	,	,	PUNCT
fsr-4086	270	4	mark	mark	PROPN
fsr-4086	270	5	puts	put	VERB
fsr-4086	270	6	$	$	SYM
fsr-4086	270	7	1,000	1,000	NUM
fsr-4086	270	8	in	in	ADP
fsr-4086	270	9	a	a	DET
fsr-4086	270	10	bank	bank	NOUN
fsr-4086	270	11	account	account	NOUN
fsr-4086	270	12	that	that	PRON
fsr-4086	270	13	earns	earn	VERB
fsr-4086	270	14	an	an	DET
fsr-4086	270	15	annual	annual	ADJ
fsr-4086	270	16	rate	rate	NOUN
fsr-4086	270	17	of	of	ADP
fsr-4086	270	18	return	return	NOUN
fsr-4086	270	19	of	of	ADP
fsr-4086	270	20	8	8	NUM
fsr-4086	270	21	%	%	NOUN
fsr-4086	270	22	at	at	ADP
fsr-4086	270	23	the	the	DET
fsr-4086	270	24	beginning	beginning	NOUN
fsr-4086	270	25	of	of	ADP
fsr-4086	270	26	the	the	DET
fsr-4086	270	27	interest	interest	NOUN
fsr-4086	270	28	rate	rate	NOUN
fsr-4086	270	29	cycle	cycle	NOUN
fsr-4086	270	30	.	.	PUNCT
fsr-4086	271	1	how	how	SCONJ
fsr-4086	271	2	much	much	ADJ
fsr-4086	271	3	will	will	AUX
fsr-4086	271	4	you	you	PRON
fsr-4086	271	5	have	have	VERB
fsr-4086	271	6	in	in	ADP
fsr-4086	271	7	that	that	DET
fsr-4086	271	8	bank	bank	NOUN
fsr-4086	271	9	account	account	NOUN
fsr-4086	271	10	after	after	ADP
fsr-4086	271	11	8	8	NUM
fsr-4086	271	12	years	year	NOUN
fsr-4086	271	13	?	?	PUNCT
fsr-4086	272	1	(	(	PUNCT
fsr-4086	272	2	round	round	VERB
fsr-4086	272	3	the	the	DET
fsr-4086	272	4	answer	answer	NOUN
fsr-4086	272	5	to	to	ADP
fsr-4086	272	6	the	the	DET
fsr-4086	272	7	nearest	near	ADJ
fsr-4086	272	8	dollar	dollar	NOUN
fsr-4086	272	9	and	and	CCONJ
fsr-4086	272	10	use	use	VERB
fsr-4086	272	11	begin	begin	VERB
fsr-4086	272	12	mode	mode	NOUN
fsr-4086	272	13	)	)	PUNCT
fsr-4086	272	14	a.	a.	NOUN
fsr-4086	272	15	-$11,488	-$11,488	PUNCT
fsr-4086	272	16	b.	b.	PROPN
fsr-4086	272	17	-$10,311	-$10,311	PROPN
fsr-4086	272	18	c.	c.	PROPN
fsr-4086	272	19	$	$	SYM
fsr-4086	272	20	10,311	10,311	NUM
fsr-4086	272	21	d.	d.	NOUN
fsr-4086	272	22	$	$	SYM
fsr-4086	272	23	11,488	11,488	NUM
fsr-4086	272	24	(	(	PUNCT
fsr-4086	272	25	correct	correct	ADJ
fsr-4086	272	26	answer	answer	NOUN
fsr-4086	272	27	)	)	PUNCT
fsr-4086	272	28	9	9	X
fsr-4086	272	29	.	.	X
fsr-4086	273	1	billy	billy	PROPN
fsr-4086	273	2	wants	want	VERB
fsr-4086	273	3	to	to	PART
fsr-4086	273	4	attend	attend	VERB
fsr-4086	273	5	mcpherson	mcpherson	PROPN
fsr-4086	273	6	college	college	PROPN
fsr-4086	273	7	when	when	SCONJ
fsr-4086	273	8	he	he	PRON
fsr-4086	273	9	graduates	graduate	VERB
fsr-4086	273	10	high	high	ADJ
fsr-4086	273	11	school	school	NOUN
fsr-4086	273	12	in	in	ADP
fsr-4086	273	13	5	5	NUM
fsr-4086	273	14	years	year	NOUN
fsr-4086	273	15	.	.	PUNCT
fsr-4086	274	1	current	current	ADJ
fsr-4086	274	2	annual	annual	ADJ
fsr-4086	274	3	tuition	tuition	NOUN
fsr-4086	274	4	is	be	AUX
fsr-4086	274	5	$	$	SYM
fsr-4086	274	6	12,000	12,000	NUM
fsr-4086	274	7	.	.	PUNCT
fsr-4086	275	1	if	if	SCONJ
fsr-4086	275	2	tuition	tuition	NOUN
fsr-4086	275	3	rates	rate	NOUN
fsr-4086	275	4	are	be	AUX
fsr-4086	275	5	rising	rise	VERB
fsr-4086	275	6	at	at	ADP
fsr-4086	275	7	5	5	NUM
fsr-4086	275	8	%	%	NOUN
fsr-4086	275	9	,	,	PUNCT
fsr-4086	275	10	what	what	PRON
fsr-4086	275	11	will	will	AUX
fsr-4086	275	12	be	be	AUX
fsr-4086	275	13	the	the	DET
fsr-4086	275	14	annual	annual	ADJ
fsr-4086	275	15	tuition	tuition	NOUN
fsr-4086	275	16	cost	cost	NOUN
fsr-4086	275	17	when	when	SCONJ
fsr-4086	275	18	billy	billy	PROPN
fsr-4086	275	19	enters	enter	VERB
fsr-4086	275	20	college	college	NOUN
fsr-4086	275	21	in	in	ADP
fsr-4086	275	22	5	5	NUM
fsr-4086	275	23	years	year	NOUN
fsr-4086	275	24	(	(	PUNCT
fsr-4086	275	25	round	round	VERB
fsr-4086	275	26	the	the	DET
fsr-4086	275	27	answer	answer	NOUN
fsr-4086	275	28	to	to	ADP
fsr-4086	275	29	the	the	DET
fsr-4086	275	30	nearest	near	ADJ
fsr-4086	275	31	dollar	dollar	NOUN
fsr-4086	275	32	)	)	PUNCT
fsr-4086	275	33	?	?	PUNCT
fsr-4086	276	1	a.	a.	NOUN
fsr-4086	276	2	$	$	SYM
fsr-4086	276	3	14,101	14,101	NUM
fsr-4086	276	4	b.	b.	NOUN
fsr-4086	276	5	$	$	SYM
fsr-4086	276	6	14,387	14,387	NUM
fsr-4086	276	7	c.	c.	NOUN
fsr-4086	276	8	$	$	SYM
fsr-4086	276	9	15,211	15,211	NUM
fsr-4086	276	10	d.	d.	PROPN
fsr-4086	276	11	$	$	SYM
fsr-4086	276	12	15,315	15,315	NUM
fsr-4086	276	13	(	(	PUNCT
fsr-4086	276	14	correct	correct	ADJ
fsr-4086	276	15	answer	answer	NOUN
fsr-4086	276	16	)	)	PUNCT
fsr-4086	276	17	10	10	NUM
fsr-4086	276	18	.	.	PUNCT
fsr-4086	277	1	if	if	SCONJ
fsr-4086	277	2	jim	jim	PROPN
fsr-4086	277	3	wants	want	VERB
fsr-4086	277	4	$	$	SYM
fsr-4086	277	5	22,000	22,000	NUM
fsr-4086	277	6	in	in	ADP
fsr-4086	277	7	7	7	NUM
fsr-4086	277	8	years	year	NOUN
fsr-4086	277	9	and	and	CCONJ
fsr-4086	277	10	can	can	AUX
fsr-4086	277	11	earn	earn	VERB
fsr-4086	277	12	a	a	DET
fsr-4086	277	13	7.22	7.22	NUM
fsr-4086	277	14	%	%	NOUN
fsr-4086	277	15	interest	interest	NOUN
fsr-4086	277	16	rate	rate	NOUN
fsr-4086	277	17	that	that	PRON
fsr-4086	277	18	is	be	AUX
fsr-4086	277	19	compounded	compound	VERB
fsr-4086	277	20	quarterly	quarterly	ADV
fsr-4086	277	21	,	,	PUNCT
fsr-4086	277	22	how	how	SCONJ
fsr-4086	277	23	much	much	ADJ
fsr-4086	277	24	does	do	AUX
fsr-4086	277	25	he	he	PRON
fsr-4086	277	26	need	need	VERB
fsr-4086	277	27	to	to	PART
fsr-4086	277	28	invest	invest	VERB
fsr-4086	277	29	today	today	NOUN
fsr-4086	277	30	(	(	PUNCT
fsr-4086	277	31	round	round	VERB
fsr-4086	277	32	the	the	DET
fsr-4086	277	33	answer	answer	NOUN
fsr-4086	277	34	to	to	ADP
fsr-4086	277	35	the	the	DET
fsr-4086	277	36	nearest	near	ADJ
fsr-4086	277	37	dollar	dollar	NOUN
fsr-4086	277	38	)	)	PUNCT
fsr-4086	277	39	?	?	PUNCT
fsr-4086	278	1	a.	a.	NOUN
fsr-4086	278	2	$	$	SYM
fsr-4086	278	3	13,332	13,332	NUM
fsr-4086	278	4	(	(	PUNCT
fsr-4086	278	5	correct	correct	ADJ
fsr-4086	278	6	answer	answer	NOUN
fsr-4086	278	7	)	)	PUNCT
fsr-4086	278	8	b.	b.	PROPN
fsr-4086	279	1	$	$	SYM
fsr-4086	279	2	15,554	15,554	NUM
fsr-4086	279	3	c.	c.	NOUN
fsr-4086	279	4	$	$	SYM
fsr-4086	279	5	16,707	16,707	NUM
fsr-4086	279	6	d.	d.	NOUN
fsr-4086	279	7	$	$	SYM
fsr-4086	279	8	17,605	17,605	NUM