id	sid	tid	token	lemma	pos
fsr-4094	1	1	financial	financial	PROPN
fsr-4094	1	2	services	service	NOUN
fsr-4094	1	3	review	review	NOUN
fsr-4094	1	4	,	,	PUNCT
fsr-4094	1	5	33(2	33(2	NUM
fsr-4094	1	6	)	)	PUNCT
fsr-4094	1	7	124	124	NUM
fsr-4094	1	8	the	the	DET
fsr-4094	1	9	association	association	NOUN
fsr-4094	1	10	of	of	ADP
fsr-4094	1	11	cryptocurrency	cryptocurrency	NOUN
fsr-4094	1	12	and	and	CCONJ
fsr-4094	1	13	the	the	DET
fsr-4094	1	14	use	use	NOUN
fsr-4094	1	15	of	of	ADP
fsr-4094	1	16	alternative	alternative	ADJ
fsr-4094	1	17	financial	financial	ADJ
fsr-4094	1	18	services	service	NOUN
fsr-4094	1	19	gary	gary	PROPN
fsr-4094	1	20	curnutt1	curnutt1	PROPN
fsr-4094	1	21	and	and	CCONJ
fsr-4094	1	22	david	david	PROPN
fsr-4094	1	23	smith2	smith2	PROPN
fsr-4094	2	1	abstract	abstract	PROPN
fsr-4094	2	2	alternative	alternative	ADJ
fsr-4094	2	3	financial	financial	ADJ
fsr-4094	2	4	services	service	NOUN
fsr-4094	2	5	(	(	PUNCT
fsr-4094	2	6	afs	afs	NOUN
fsr-4094	2	7	)	)	PUNCT
fsr-4094	2	8	have	have	AUX
fsr-4094	2	9	been	be	AUX
fsr-4094	2	10	studied	study	VERB
fsr-4094	2	11	in	in	ADP
fsr-4094	2	12	recent	recent	ADJ
fsr-4094	2	13	years	year	NOUN
fsr-4094	2	14	in	in	ADP
fsr-4094	2	15	terms	term	NOUN
fsr-4094	2	16	of	of	ADP
fsr-4094	2	17	how	how	SCONJ
fsr-4094	2	18	these	these	DET
fsr-4094	2	19	financial	financial	ADJ
fsr-4094	2	20	markets	market	NOUN
fsr-4094	2	21	are	be	AUX
fsr-4094	2	22	utilized	utilize	VERB
fsr-4094	2	23	.	.	PUNCT
fsr-4094	3	1	the	the	DET
fsr-4094	3	2	products	product	NOUN
fsr-4094	3	3	and	and	CCONJ
fsr-4094	3	4	services	service	NOUN
fsr-4094	3	5	include	include	VERB
fsr-4094	3	6	check	check	NOUN
fsr-4094	3	7	cashing	cashing	NOUN
fsr-4094	3	8	,	,	PUNCT
fsr-4094	3	9	pawnshop	pawnshop	NOUN
fsr-4094	3	10	loans	loan	NOUN
fsr-4094	3	11	,	,	PUNCT
fsr-4094	3	12	payday	payday	NOUN
fsr-4094	3	13	advance	advance	NOUN
fsr-4094	3	14	loans	loan	NOUN
fsr-4094	3	15	,	,	PUNCT
fsr-4094	3	16	electronic	electronic	ADJ
fsr-4094	3	17	cash	cash	NOUN
fsr-4094	3	18	transmissions	transmission	NOUN
fsr-4094	3	19	,	,	PUNCT
fsr-4094	3	20	tax	tax	NOUN
fsr-4094	3	21	refund	refund	NOUN
fsr-4094	3	22	anticipation	anticipation	NOUN
fsr-4094	3	23	arrangements	arrangement	NOUN
fsr-4094	3	24	,	,	PUNCT
fsr-4094	3	25	rentto	rentto	NOUN
fsr-4094	3	26	-	-	PUNCT
fsr-4094	3	27	own	own	ADJ
fsr-4094	3	28	contracts	contract	NOUN
fsr-4094	3	29	,	,	PUNCT
fsr-4094	3	30	prepaid	prepaid	ADJ
fsr-4094	3	31	debit	debit	NOUN
fsr-4094	3	32	cards	card	NOUN
fsr-4094	3	33	,	,	PUNCT
fsr-4094	3	34	gift	gift	NOUN
fsr-4094	3	35	cards	card	NOUN
fsr-4094	3	36	,	,	PUNCT
fsr-4094	3	37	and	and	CCONJ
fsr-4094	3	38	loans	loan	NOUN
fsr-4094	3	39	collateralized	collateralize	VERB
fsr-4094	3	40	by	by	ADP
fsr-4094	3	41	automobile	automobile	NOUN
fsr-4094	3	42	titles	title	NOUN
fsr-4094	3	43	.	.	PUNCT
fsr-4094	4	1	cryptocurrency	cryptocurrency	NOUN
fsr-4094	4	2	has	have	AUX
fsr-4094	4	3	become	become	VERB
fsr-4094	4	4	part	part	NOUN
fsr-4094	4	5	of	of	ADP
fsr-4094	4	6	this	this	DET
fsr-4094	4	7	afs	afs	NOUN
fsr-4094	4	8	ecology	ecology	NOUN
fsr-4094	4	9	.	.	PUNCT
fsr-4094	5	1	the	the	DET
fsr-4094	5	2	2023	2023	NUM
fsr-4094	5	3	survey	survey	NOUN
fsr-4094	5	4	of	of	ADP
fsr-4094	5	5	household	household	NOUN
fsr-4094	5	6	economics	economic	NOUN
fsr-4094	5	7	and	and	CCONJ
fsr-4094	5	8	decisionmaking	decisionmake	VERB
fsr-4094	5	9	collected	collect	VERB
fsr-4094	5	10	information	information	NOUN
fsr-4094	5	11	on	on	ADP
fsr-4094	5	12	afs	afs	NOUN
fsr-4094	5	13	use	use	NOUN
fsr-4094	5	14	,	,	PUNCT
fsr-4094	5	15	including	include	VERB
fsr-4094	5	16	the	the	DET
fsr-4094	5	17	use	use	NOUN
fsr-4094	5	18	of	of	ADP
fsr-4094	5	19	cryptocurrency	cryptocurrency	NOUN
fsr-4094	5	20	as	as	ADP
fsr-4094	5	21	an	an	DET
fsr-4094	5	22	afs	afs	NOUN
fsr-4094	5	23	.	.	PUNCT
fsr-4094	6	1	this	this	DET
fsr-4094	6	2	research	research	NOUN
fsr-4094	6	3	answered	answer	VERB
fsr-4094	6	4	the	the	DET
fsr-4094	6	5	questions	question	NOUN
fsr-4094	6	6	:	:	PUNCT
fsr-4094	6	7	(	(	PUNCT
fsr-4094	6	8	a	a	X
fsr-4094	6	9	)	)	PUNCT
fsr-4094	6	10	do	do	AUX
fsr-4094	6	11	users	user	NOUN
fsr-4094	6	12	of	of	ADP
fsr-4094	6	13	cryptocurrencies	cryptocurrencie	NOUN
fsr-4094	6	14	for	for	ADP
fsr-4094	6	15	afs	afs	NOUN
fsr-4094	6	16	also	also	ADV
fsr-4094	6	17	tend	tend	VERB
fsr-4094	6	18	to	to	PART
fsr-4094	6	19	use	use	VERB
fsr-4094	6	20	them	they	PRON
fsr-4094	6	21	for	for	ADP
fsr-4094	6	22	investments	investment	NOUN
fsr-4094	6	23	;	;	PUNCT
fsr-4094	6	24	(	(	PUNCT
fsr-4094	6	25	b	b	X
fsr-4094	6	26	)	)	PUNCT
fsr-4094	6	27	do	do	VERB
fsr-4094	6	28	users	user	NOUN
fsr-4094	6	29	of	of	ADP
fsr-4094	6	30	cryptocurrencies	cryptocurrencie	NOUN
fsr-4094	6	31	to	to	PART
fsr-4094	6	32	make	make	VERB
fsr-4094	6	33	payments	payment	NOUN
fsr-4094	6	34	tend	tend	VERB
fsr-4094	6	35	to	to	PART
fsr-4094	6	36	use	use	VERB
fsr-4094	6	37	them	they	PRON
fsr-4094	6	38	for	for	ADP
fsr-4094	6	39	other	other	ADJ
fsr-4094	6	40	afs	afs	NOUN
fsr-4094	6	41	purposes	purpose	NOUN
fsr-4094	6	42	,	,	PUNCT
fsr-4094	6	43	and	and	CCONJ
fsr-4094	6	44	(	(	PUNCT
fsr-4094	6	45	c	c	X
fsr-4094	6	46	)	)	PUNCT
fsr-4094	6	47	do	do	VERB
fsr-4094	6	48	users	user	NOUN
fsr-4094	6	49	of	of	ADP
fsr-4094	6	50	cryptocurrencies	cryptocurrencie	NOUN
fsr-4094	6	51	to	to	PART
fsr-4094	6	52	send	send	VERB
fsr-4094	6	53	money	money	NOUN
fsr-4094	6	54	to	to	ADP
fsr-4094	6	55	friends	friend	NOUN
fsr-4094	6	56	and	and	CCONJ
fsr-4094	6	57	family	family	NOUN
fsr-4094	6	58	tend	tend	VERB
fsr-4094	6	59	to	to	PART
fsr-4094	6	60	use	use	VERB
fsr-4094	6	61	them	they	PRON
fsr-4094	6	62	for	for	ADP
fsr-4094	6	63	other	other	ADJ
fsr-4094	6	64	afs	afs	NOUN
fsr-4094	6	65	purposes	purpose	NOUN
fsr-4094	6	66	?	?	PUNCT
fsr-4094	7	1	creative	creative	ADJ
fsr-4094	7	2	commons	common	NOUN
fsr-4094	7	3	license	license	NOUN
fsr-4094	7	4	this	this	DET
fsr-4094	7	5	work	work	NOUN
fsr-4094	7	6	is	be	AUX
fsr-4094	7	7	licensed	license	VERB
fsr-4094	7	8	under	under	ADP
fsr-4094	7	9	a	a	DET
fsr-4094	7	10	creative	creative	ADJ
fsr-4094	7	11	commons	common	NOUN
fsr-4094	7	12	attribution	attribution	NOUN
fsr-4094	7	13	-	-	PUNCT
fsr-4094	7	14	noncommercial	noncommercial	ADJ
fsr-4094	7	15	4.0	4.0	NUM
fsr-4094	7	16	license	license	NOUN
fsr-4094	7	17	.	.	PUNCT
fsr-4094	8	1	recommended	recommend	VERB
fsr-4094	8	2	citation	citation	NOUN
fsr-4094	8	3	curnutt	curnutt	NOUN
fsr-4094	8	4	,	,	PUNCT
fsr-4094	8	5	g.	g.	PROPN
fsr-4094	8	6	,	,	PUNCT
fsr-4094	8	7	&	&	CCONJ
fsr-4094	8	8	smith	smith	PROPN
fsr-4094	8	9	,	,	PUNCT
fsr-4094	8	10	d.	d.	PROPN
fsr-4094	8	11	(	(	PUNCT
fsr-4094	8	12	2025	2025	NUM
fsr-4094	8	13	)	)	PUNCT
fsr-4094	8	14	.	.	PUNCT
fsr-4094	9	1	the	the	DET
fsr-4094	9	2	association	association	NOUN
fsr-4094	9	3	of	of	ADP
fsr-4094	9	4	cryptocurrency	cryptocurrency	NOUN
fsr-4094	9	5	and	and	CCONJ
fsr-4094	9	6	the	the	DET
fsr-4094	9	7	use	use	NOUN
fsr-4094	9	8	of	of	ADP
fsr-4094	9	9	alternative	alternative	ADJ
fsr-4094	9	10	financial	financial	ADJ
fsr-4094	9	11	services	service	NOUN
fsr-4094	9	12	.	.	PUNCT
fsr-4094	10	1	financial	financial	ADJ
fsr-4094	10	2	services	services	PROPN
fsr-4094	10	3	review	review	PROPN
fsr-4094	10	4	,	,	PUNCT
fsr-4094	10	5	33(2	33(2	NUM
fsr-4094	10	6	)	)	PUNCT
fsr-4094	10	7	,	,	PUNCT
fsr-4094	10	8	124	124	NUM
fsr-4094	10	9	-	-	SYM
fsr-4094	10	10	143	143	NUM
fsr-4094	10	11	.	.	PUNCT
fsr-4094	11	1	introduction	introduction	NOUN
fsr-4094	11	2	the	the	DET
fsr-4094	11	3	rate	rate	NOUN
fsr-4094	11	4	at	at	ADP
fsr-4094	11	5	which	which	PRON
fsr-4094	11	6	households	household	NOUN
fsr-4094	11	7	are	be	AUX
fsr-4094	11	8	considered	consider	VERB
fsr-4094	11	9	banked	bank	VERB
fsr-4094	11	10	,	,	PUNCT
fsr-4094	11	11	that	that	ADV
fsr-4094	11	12	is	is	ADV
fsr-4094	11	13	,	,	PUNCT
fsr-4094	11	14	having	have	VERB
fsr-4094	11	15	access	access	NOUN
fsr-4094	11	16	to	to	ADP
fsr-4094	11	17	traditional	traditional	ADJ
fsr-4094	11	18	financial	financial	ADJ
fsr-4094	11	19	services	service	NOUN
fsr-4094	11	20	such	such	ADJ
fsr-4094	11	21	as	as	ADP
fsr-4094	11	22	savings	saving	NOUN
fsr-4094	11	23	and	and	CCONJ
fsr-4094	11	24	checking	checking	NOUN
fsr-4094	11	25	accounts	account	NOUN
fsr-4094	11	26	,	,	PUNCT
fsr-4094	11	27	has	have	AUX
fsr-4094	11	28	steadily	steadily	ADV
fsr-4094	11	29	increased	increase	VERB
fsr-4094	11	30	in	in	ADP
fsr-4094	11	31	the	the	DET
fsr-4094	11	32	united	united	PROPN
fsr-4094	11	33	states	states	PROPN
fsr-4094	11	34	from	from	ADP
fsr-4094	11	35	2011	2011	NUM
fsr-4094	11	36	to	to	ADP
fsr-4094	11	37	2021	2021	NUM
fsr-4094	11	38	(	(	PUNCT
fsr-4094	11	39	federal	federal	ADJ
fsr-4094	11	40	deposit	deposit	NOUN
fsr-4094	11	41	insurance	insurance	NOUN
fsr-4094	11	42	corporation	corporation	NOUN
fsr-4094	11	43	,	,	PUNCT
fsr-4094	11	44	2021	2021	NUM
fsr-4094	11	45	)	)	PUNCT
fsr-4094	11	46	.	.	PUNCT
fsr-4094	12	1	the	the	DET
fsr-4094	12	2	increase	increase	NOUN
fsr-4094	12	3	was	be	AUX
fsr-4094	12	4	from	from	ADP
fsr-4094	12	5	91.8	91.8	NUM
fsr-4094	12	6	%	%	NOUN
fsr-4094	12	7	to	to	ADP
fsr-4094	12	8	95.5	95.5	NUM
fsr-4094	12	9	%	%	NOUN
fsr-4094	12	10	of	of	ADP
fsr-4094	12	11	households	household	NOUN
fsr-4094	12	12	banked	bank	VERB
fsr-4094	12	13	.	.	PUNCT
fsr-4094	13	1	there	there	PRON
fsr-4094	13	2	are	be	VERB
fsr-4094	13	3	still	still	ADV
fsr-4094	13	4	unbanked	unbanked	ADJ
fsr-4094	13	5	households	household	NOUN
fsr-4094	13	6	.	.	PUNCT
fsr-4094	14	1	underbanked	underbanked	ADJ
fsr-4094	14	2	households	household	NOUN
fsr-4094	14	3	also	also	ADV
fsr-4094	14	4	exist	exist	VERB
fsr-4094	14	5	,	,	PUNCT
fsr-4094	14	6	with	with	ADP
fsr-4094	14	7	some	some	DET
fsr-4094	14	8	access	access	NOUN
fsr-4094	14	9	to	to	ADP
fsr-4094	14	10	but	but	CCONJ
fsr-4094	14	11	not	not	PART
fsr-4094	14	12	full	full	ADJ
fsr-4094	14	13	use	use	NOUN
fsr-4094	14	14	of	of	ADP
fsr-4094	14	15	traditional	traditional	ADJ
fsr-4094	14	16	sources	source	NOUN
fsr-4094	14	17	of	of	ADP
fsr-4094	14	18	savings	saving	NOUN
fsr-4094	14	19	,	,	PUNCT
fsr-4094	14	20	investments	investment	NOUN
fsr-4094	14	21	,	,	PUNCT
fsr-4094	14	22	payment	payment	NOUN
fsr-4094	14	23	methods	method	NOUN
fsr-4094	14	24	,	,	PUNCT
fsr-4094	14	25	and	and	CCONJ
fsr-4094	14	26	credit	credit	NOUN
fsr-4094	14	27	(	(	PUNCT
fsr-4094	14	28	birkenmaier	birkenmaier	X
fsr-4094	14	29	&	&	CCONJ
fsr-4094	14	30	fu	fu	PROPN
fsr-4094	14	31	,	,	PUNCT
fsr-4094	14	32	2023	2023	NUM
fsr-4094	14	33	)	)	PUNCT
fsr-4094	14	34	.	.	PUNCT
fsr-4094	15	1	the	the	DET
fsr-4094	15	2	unbanked	unbanked	ADJ
fsr-4094	15	3	and	and	CCONJ
fsr-4094	15	4	underbanked	underbanked	ADJ
fsr-4094	15	5	use	use	NOUN
fsr-4094	15	6	alternative	alternative	ADJ
fsr-4094	15	7	financial	financial	ADJ
fsr-4094	15	8	services	service	NOUN
fsr-4094	15	9	that	that	PRON
fsr-4094	15	10	are	be	AUX
fsr-4094	15	11	generally	generally	ADV
fsr-4094	15	12	less	less	ADV
fsr-4094	15	13	efficient	efficient	ADJ
fsr-4094	15	14	,	,	PUNCT
fsr-4094	15	15	harder	hard	ADJ
fsr-4094	15	16	to	to	PART
fsr-4094	15	17	access	access	VERB
fsr-4094	15	18	,	,	PUNCT
fsr-4094	15	19	and	and	CCONJ
fsr-4094	15	20	more	more	ADV
fsr-4094	15	21	expensive	expensive	ADJ
fsr-4094	15	22	than	than	ADP
fsr-4094	15	23	traditional	traditional	ADJ
fsr-4094	15	24	1	1	NUM
fsr-4094	15	25	western	western	PROPN
fsr-4094	15	26	carolina	carolina	PROPN
fsr-4094	15	27	university	university	PROPN
fsr-4094	15	28	,	,	PUNCT
fsr-4094	15	29	cullowhee	cullowhee	NOUN
fsr-4094	15	30	,	,	PUNCT
fsr-4094	15	31	,	,	PUNCT
fsr-4094	15	32	nc	nc	PROPN
fsr-4094	15	33	,	,	PUNCT
fsr-4094	15	34	usa	usa	PROPN
fsr-4094	15	35	.	.	PROPN
fsr-4094	15	36	2	2	NUM
fsr-4094	15	37	corresponding	correspond	VERB
fsr-4094	15	38	author	author	NOUN
fsr-4094	15	39	(	(	PUNCT
fsr-4094	15	40	smithdavid@wcu.edu	smithdavid@wcu.edu	PROPN
fsr-4094	15	41	)	)	PUNCT
fsr-4094	15	42	.	.	PUNCT
fsr-4094	16	1	western	western	PROPN
fsr-4094	16	2	carolina	carolina	PROPN
fsr-4094	16	3	university	university	PROPN
fsr-4094	16	4	,	,	PUNCT
fsr-4094	16	5	cullowhee	cullowhee	NOUN
fsr-4094	16	6	,	,	PUNCT
fsr-4094	16	7	nc	nc	PROPN
fsr-4094	16	8	,	,	PUNCT
fsr-4094	16	9	usa	usa	PROPN
fsr-4094	16	10	.	.	PROPN
fsr-4094	16	11	services	service	NOUN
fsr-4094	16	12	from	from	ADP
fsr-4094	16	13	banks	bank	NOUN
fsr-4094	16	14	,	,	PUNCT
fsr-4094	16	15	credit	credit	NOUN
fsr-4094	16	16	unions	union	NOUN
fsr-4094	16	17	,	,	PUNCT
fsr-4094	16	18	and	and	CCONJ
fsr-4094	16	19	other	other	ADJ
fsr-4094	16	20	financial	financial	ADJ
fsr-4094	16	21	institutions	institution	NOUN
fsr-4094	16	22	(	(	PUNCT
fsr-4094	16	23	cfpb	cfpb	NOUN
fsr-4094	16	24	2016	2016	NUM
fsr-4094	16	25	)	)	PUNCT
fsr-4094	16	26	.	.	PUNCT
fsr-4094	17	1	since	since	SCONJ
fsr-4094	17	2	almost	almost	ADV
fsr-4094	17	3	5	5	NUM
fsr-4094	17	4	%	%	NOUN
fsr-4094	17	5	of	of	ADP
fsr-4094	17	6	u.s	u.s	PROPN
fsr-4094	17	7	.	.	PROPN
fsr-4094	17	8	households	household	NOUN
fsr-4094	17	9	face	face	VERB
fsr-4094	17	10	these	these	DET
fsr-4094	17	11	challenges	challenge	NOUN
fsr-4094	17	12	,	,	PUNCT
fsr-4094	17	13	it	it	PRON
fsr-4094	17	14	is	be	AUX
fsr-4094	17	15	interesting	interesting	ADJ
fsr-4094	17	16	to	to	PART
fsr-4094	17	17	understand	understand	VERB
fsr-4094	17	18	their	their	PRON
fsr-4094	17	19	use	use	NOUN
fsr-4094	17	20	of	of	ADP
fsr-4094	17	21	cryptocurrencies	cryptocurrencie	NOUN
fsr-4094	17	22	as	as	ADP
fsr-4094	17	23	alternative	alternative	ADJ
fsr-4094	17	24	financial	financial	ADJ
fsr-4094	17	25	instruments	instrument	NOUN
fsr-4094	17	26	in	in	ADP
fsr-4094	17	27	services	service	NOUN
fsr-4094	17	28	and	and	CCONJ
fsr-4094	17	29	as	as	ADP
fsr-4094	17	30	investments	investment	NOUN
fsr-4094	17	31	.	.	PUNCT
fsr-4094	18	1	alternative	alternative	ADJ
fsr-4094	18	2	financial	financial	ADJ
fsr-4094	18	3	services	service	NOUN
fsr-4094	18	4	(	(	PUNCT
fsr-4094	18	5	afs	afs	NOUN
fsr-4094	18	6	)	)	PUNCT
fsr-4094	18	7	have	have	AUX
fsr-4094	18	8	been	be	AUX
fsr-4094	18	9	studied	study	VERB
fsr-4094	18	10	in	in	ADP
fsr-4094	18	11	recent	recent	ADJ
fsr-4094	18	12	years	year	NOUN
fsr-4094	18	13	regarding	regard	VERB
fsr-4094	18	14	how	how	SCONJ
fsr-4094	18	15	these	these	DET
fsr-4094	18	16	financial	financial	ADJ
fsr-4094	18	17	markets	market	NOUN
fsr-4094	18	18	are	be	AUX
fsr-4094	18	19	utilized	utilize	VERB
fsr-4094	18	20	(	(	PUNCT
fsr-4094	18	21	barcellos	barcellos	PROPN
fsr-4094	18	22	&	&	CCONJ
fsr-4094	18	23	zamarro	zamarro	NOUN
fsr-4094	18	24	,	,	PUNCT
fsr-4094	18	25	2021	2021	NUM
fsr-4094	18	26	;	;	PUNCT
fsr-4094	18	27	birkenmaier	birkenmaier	NOUN
fsr-4094	18	28	&	&	CCONJ
fsr-4094	18	29	fu	fu	PROPN
fsr-4094	18	30	,	,	PUNCT
fsr-4094	18	31	2023	2023	NUM
fsr-4094	18	32	;	;	PUNCT
fsr-4094	18	33	fan	fan	PROPN
fsr-4094	18	34	et	et	PROPN
fsr-4094	18	35	al	al	PROPN
fsr-4094	18	36	.	.	PROPN
fsr-4094	18	37	,	,	PUNCT
fsr-4094	18	38	2024	2024	NUM
fsr-4094	18	39	)	)	PUNCT
fsr-4094	18	40	.	.	PUNCT
fsr-4094	19	1	the	the	DET
fsr-4094	19	2	products	product	NOUN
fsr-4094	19	3	and	and	CCONJ
fsr-4094	19	4	services	service	NOUN
fsr-4094	19	5	include	include	VERB
fsr-4094	19	6	check	check	NOUN
fsr-4094	19	7	cashing	cashing	NOUN
fsr-4094	19	8	,	,	PUNCT
fsr-4094	19	9	pawnshop	pawnshop	NOUN
fsr-4094	19	10	loans	loan	NOUN
fsr-4094	19	11	,	,	PUNCT
fsr-4094	19	12	payday	payday	NOUN
fsr-4094	19	13	advance	advance	NOUN
fsr-4094	19	14	loans	loan	NOUN
fsr-4094	19	15	,	,	PUNCT
fsr-4094	19	16	electronic	electronic	ADJ
fsr-4094	19	17	cash	cash	NOUN
fsr-4094	19	18	transmissions	transmission	NOUN
fsr-4094	19	19	,	,	PUNCT
fsr-4094	19	20	tax	tax	NOUN
fsr-4094	19	21	refund	refund	NOUN
fsr-4094	19	22	anticipation	anticipation	NOUN
fsr-4094	19	23	arrangements	arrangement	NOUN
fsr-4094	19	24	,	,	PUNCT
fsr-4094	19	25	rent	rent	NOUN
fsr-4094	19	26	-	-	PUNCT
fsr-4094	19	27	to	to	ADP
fsr-4094	19	28	-	-	PUNCT
fsr-4094	19	29	own	own	ADJ
fsr-4094	19	30	contracts	contract	NOUN
fsr-4094	19	31	,	,	PUNCT
fsr-4094	19	32	prepaid	prepaid	ADJ
fsr-4094	19	33	debit	debit	NOUN
fsr-4094	19	34	cards	card	NOUN
fsr-4094	19	35	,	,	PUNCT
fsr-4094	19	36	gift	gift	NOUN
fsr-4094	19	37	cards	card	NOUN
fsr-4094	19	38	,	,	PUNCT
fsr-4094	19	39	and	and	CCONJ
fsr-4094	19	40	loans	loan	NOUN
fsr-4094	19	41	collateralized	collateralize	VERB
fsr-4094	19	42	by	by	ADP
fsr-4094	19	43	automobile	automobile	NOUN
fsr-4094	19	44	titles	title	NOUN
fsr-4094	19	45	(	(	PUNCT
fsr-4094	19	46	cfpb	cfpb	NOUN
fsr-4094	19	47	2016	2016	NUM
fsr-4094	19	48	)	)	PUNCT
fsr-4094	19	49	.	.	PUNCT
fsr-4094	20	1	https://creativecommons.org/licenses/by-nc/4.0/	https://creativecommons.org/licenses/by-nc/4.0/	INTJ
fsr-4094	20	2	https://creativecommons.org/licenses/by-nc/4.0/	https://creativecommons.org/licenses/by-nc/4.0/	PROPN
fsr-4094	20	3	curnutt	curnutt	NOUN
fsr-4094	20	4	and	and	CCONJ
fsr-4094	20	5	smith	smith	PROPN
fsr-4094	20	6	125	125	NUM
fsr-4094	20	7	cryptocurrency	cryptocurrency	NOUN
fsr-4094	20	8	has	have	AUX
fsr-4094	20	9	become	become	VERB
fsr-4094	20	10	part	part	NOUN
fsr-4094	20	11	of	of	ADP
fsr-4094	20	12	this	this	DET
fsr-4094	20	13	afs	afs	NOUN
fsr-4094	20	14	ecology	ecology	NOUN
fsr-4094	20	15	(	(	PUNCT
fsr-4094	20	16	board	board	NOUN
fsr-4094	20	17	of	of	ADP
fsr-4094	20	18	governors	governor	NOUN
fsr-4094	20	19	of	of	ADP
fsr-4094	20	20	the	the	DET
fsr-4094	20	21	federal	federal	PROPN
fsr-4094	20	22	reserve	reserve	PROPN
fsr-4094	20	23	system	system	NOUN
fsr-4094	20	24	,	,	PUNCT
fsr-4094	20	25	2022	2022	NUM
fsr-4094	20	26	)	)	PUNCT
fsr-4094	20	27	.	.	PUNCT
fsr-4094	21	1	for	for	ADP
fsr-4094	21	2	background	background	NOUN
fsr-4094	21	3	on	on	ADP
fsr-4094	21	4	the	the	DET
fsr-4094	21	5	alternative	alternative	ADJ
fsr-4094	21	6	financial	financial	ADJ
fsr-4094	21	7	service	service	NOUN
fsr-4094	21	8	providers	provider	NOUN
fsr-4094	21	9	before	before	ADP
fsr-4094	21	10	cryptocurrency	cryptocurrency	NOUN
fsr-4094	21	11	use	use	NOUN
fsr-4094	21	12	,	,	PUNCT
fsr-4094	21	13	see	see	VERB
fsr-4094	21	14	prager	prager	PROPN
fsr-4094	21	15	’s	’s	PART
fsr-4094	21	16	2014	2014	NUM
fsr-4094	21	17	article	article	NOUN
fsr-4094	21	18	“	"	PUNCT
fsr-4094	21	19	determinants	determinant	NOUN
fsr-4094	21	20	of	of	ADP
fsr-4094	21	21	the	the	DET
fsr-4094	21	22	locations	location	NOUN
fsr-4094	21	23	of	of	ADP
fsr-4094	21	24	alternative	alternative	ADJ
fsr-4094	21	25	financial	financial	ADJ
fsr-4094	21	26	service	service	NOUN
fsr-4094	21	27	providers	provider	NOUN
fsr-4094	21	28	.	.	PUNCT
fsr-4094	21	29	”	"	PUNCT
fsr-4094	22	1	investing	invest	VERB
fsr-4094	22	2	in	in	ADP
fsr-4094	22	3	cryptocurrency	cryptocurrency	NOUN
fsr-4094	22	4	has	have	VERB
fsr-4094	22	5	two	two	NUM
fsr-4094	22	6	distinct	distinct	ADJ
fsr-4094	22	7	sets	set	NOUN
fsr-4094	22	8	of	of	ADP
fsr-4094	22	9	market	market	NOUN
fsr-4094	22	10	participants	participant	NOUN
fsr-4094	22	11	.	.	PUNCT
fsr-4094	23	1	investment	investment	NOUN
fsr-4094	23	2	professionals	professional	NOUN
fsr-4094	23	3	,	,	PUNCT
fsr-4094	23	4	both	both	CCONJ
fsr-4094	23	5	institutional	institutional	ADJ
fsr-4094	23	6	and	and	CCONJ
fsr-4094	23	7	sophisticated	sophisticated	ADJ
fsr-4094	23	8	individuals	individual	NOUN
fsr-4094	23	9	,	,	PUNCT
fsr-4094	23	10	use	use	VERB
fsr-4094	23	11	cryptocurrency	cryptocurrency	NOUN
fsr-4094	23	12	as	as	ADP
fsr-4094	23	13	an	an	DET
fsr-4094	23	14	alternative	alternative	ADJ
fsr-4094	23	15	asset	asset	NOUN
fsr-4094	23	16	class	class	NOUN
fsr-4094	23	17	as	as	ADP
fsr-4094	23	18	a	a	DET
fsr-4094	23	19	portfolio	portfolio	NOUN
fsr-4094	23	20	enhancement	enhancement	NOUN
fsr-4094	23	21	to	to	PART
fsr-4094	23	22	hedge	hedge	VERB
fsr-4094	23	23	against	against	ADP
fsr-4094	23	24	currency	currency	NOUN
fsr-4094	23	25	volatility	volatility	NOUN
fsr-4094	23	26	,	,	PUNCT
fsr-4094	23	27	stock	stock	NOUN
fsr-4094	23	28	market	market	NOUN
fsr-4094	23	29	risk	risk	NOUN
fsr-4094	23	30	,	,	PUNCT
fsr-4094	23	31	geopolitical	geopolitical	ADJ
fsr-4094	23	32	instability	instability	NOUN
fsr-4094	23	33	,	,	PUNCT
fsr-4094	23	34	and	and	CCONJ
fsr-4094	23	35	global	global	ADJ
fsr-4094	23	36	economic	economic	ADJ
fsr-4094	23	37	policy	policy	NOUN
fsr-4094	23	38	stratification	stratification	NOUN
fsr-4094	23	39	(	(	PUNCT
fsr-4094	23	40	almeida	almeida	PROPN
fsr-4094	23	41	&	&	CCONJ
fsr-4094	23	42	gonçalves	gonçalves	PROPN
fsr-4094	23	43	,	,	PUNCT
fsr-4094	23	44	2023	2023	NUM
fsr-4094	23	45	)	)	PUNCT
fsr-4094	23	46	.	.	PUNCT
fsr-4094	24	1	the	the	DET
fsr-4094	24	2	other	other	ADJ
fsr-4094	24	3	set	set	NOUN
fsr-4094	24	4	of	of	ADP
fsr-4094	24	5	participants	participant	NOUN
fsr-4094	24	6	consists	consist	VERB
fsr-4094	24	7	of	of	ADP
fsr-4094	24	8	individual	individual	ADJ
fsr-4094	24	9	investors	investor	NOUN
fsr-4094	24	10	acting	act	VERB
fsr-4094	24	11	more	more	ADV
fsr-4094	24	12	as	as	ADP
fsr-4094	24	13	gamblers	gambler	NOUN
fsr-4094	24	14	(	(	PUNCT
fsr-4094	24	15	or	or	CCONJ
fsr-4094	24	16	speculators	speculator	NOUN
fsr-4094	24	17	)	)	PUNCT
fsr-4094	24	18	attempting	attempt	VERB
fsr-4094	24	19	to	to	PART
fsr-4094	24	20	anticipate	anticipate	VERB
fsr-4094	24	21	where	where	SCONJ
fsr-4094	24	22	the	the	DET
fsr-4094	24	23	other	other	ADJ
fsr-4094	24	24	investors	investor	NOUN
fsr-4094	24	25	will	will	AUX
fsr-4094	24	26	peg	peg	VERB
fsr-4094	24	27	their	their	PRON
fsr-4094	24	28	prices	price	NOUN
fsr-4094	24	29	either	either	CCONJ
fsr-4094	24	30	in	in	ADP
fsr-4094	24	31	a	a	DET
fsr-4094	24	32	rising	rise	VERB
fsr-4094	24	33	market	market	NOUN
fsr-4094	24	34	or	or	CCONJ
fsr-4094	24	35	a	a	DET
fsr-4094	24	36	downward	downward	ADV
fsr-4094	24	37	-	-	PUNCT
fsr-4094	24	38	trending	trend	VERB
fsr-4094	24	39	environment	environment	NOUN
fsr-4094	24	40	,	,	PUNCT
fsr-4094	24	41	thus	thus	ADV
fsr-4094	24	42	potentially	potentially	ADV
fsr-4094	24	43	profiting	profit	VERB
fsr-4094	24	44	from	from	ADP
fsr-4094	24	45	the	the	DET
fsr-4094	24	46	movement	movement	NOUN
fsr-4094	24	47	of	of	ADP
fsr-4094	24	48	the	the	DET
fsr-4094	24	49	cryptocurrency	cryptocurrency	NOUN
fsr-4094	24	50	market	market	NOUN
fsr-4094	24	51	prices	price	NOUN
fsr-4094	24	52	(	(	PUNCT
fsr-4094	24	53	roza	roza	PROPN
fsr-4094	24	54	et	et	PROPN
fsr-4094	24	55	al	al	PROPN
fsr-4094	24	56	.	.	PROPN
fsr-4094	24	57	,	,	PUNCT
fsr-4094	24	58	2023	2023	NUM
fsr-4094	24	59	)	)	PUNCT
fsr-4094	24	60	.	.	PUNCT
fsr-4094	25	1	the	the	DET
fsr-4094	25	2	cryptocurrency	cryptocurrency	NOUN
fsr-4094	25	3	market	market	NOUN
fsr-4094	25	4	capitalization	capitalization	NOUN
fsr-4094	25	5	exceeds	exceed	VERB
fsr-4094	25	6	$	$	SYM
fsr-4094	25	7	1.5	1.5	NUM
fsr-4094	25	8	trillion	trillion	NUM
fsr-4094	25	9	,	,	PUNCT
fsr-4094	25	10	with	with	ADP
fsr-4094	25	11	over	over	ADP
fsr-4094	25	12	14,000	14,000	NUM
fsr-4094	25	13	separate	separate	ADJ
fsr-4094	25	14	coins	coin	NOUN
fsr-4094	25	15	tracked	track	VERB
fsr-4094	25	16	that	that	PRON
fsr-4094	25	17	are	be	AUX
fsr-4094	25	18	available	available	ADJ
fsr-4094	25	19	through	through	ADP
fsr-4094	25	20	over	over	ADP
fsr-4094	25	21	1,000	1,000	NUM
fsr-4094	25	22	exchanges	exchange	NOUN
fsr-4094	25	23	worldwide	worldwide	ADV
fsr-4094	25	24	,	,	PUNCT
fsr-4094	25	25	providing	provide	VERB
fsr-4094	25	26	ample	ample	ADJ
fsr-4094	25	27	room	room	NOUN
fsr-4094	25	28	for	for	ADP
fsr-4094	25	29	trading	trading	NOUN
fsr-4094	25	30	(	(	PUNCT
fsr-4094	25	31	coingecko	coingecko	PROPN
fsr-4094	25	32	,	,	PUNCT
fsr-4094	25	33	2024	2024	NUM
fsr-4094	25	34	)	)	PUNCT
fsr-4094	25	35	.	.	PUNCT
fsr-4094	26	1	cryptocurrency	cryptocurrency	NOUN
fsr-4094	26	2	investing	investing	NOUN
fsr-4094	26	3	activity	activity	NOUN
fsr-4094	26	4	exists	exist	VERB
fsr-4094	26	5	both	both	CCONJ
fsr-4094	26	6	in	in	ADP
fsr-4094	26	7	traditional	traditional	ADJ
fsr-4094	26	8	financial	financial	ADJ
fsr-4094	26	9	service	service	NOUN
fsr-4094	26	10	institutions	institution	NOUN
fsr-4094	26	11	and	and	CCONJ
fsr-4094	26	12	in	in	ADP
fsr-4094	26	13	an	an	DET
fsr-4094	26	14	ecosystem	ecosystem	NOUN
fsr-4094	26	15	that	that	PRON
fsr-4094	26	16	is	be	AUX
fsr-4094	26	17	an	an	DET
fsr-4094	26	18	alternative	alternative	NOUN
fsr-4094	26	19	to	to	ADP
fsr-4094	26	20	mainstream	mainstream	NOUN
fsr-4094	26	21	investment	investment	NOUN
fsr-4094	26	22	services	service	NOUN
fsr-4094	26	23	.	.	PUNCT
fsr-4094	27	1	important	important	ADJ
fsr-4094	27	2	to	to	ADP
fsr-4094	27	3	the	the	DET
fsr-4094	27	4	growth	growth	NOUN
fsr-4094	27	5	of	of	ADP
fsr-4094	27	6	cryptocurrency	cryptocurrency	NOUN
fsr-4094	27	7	as	as	ADP
fsr-4094	27	8	an	an	DET
fsr-4094	27	9	investment	investment	NOUN
fsr-4094	27	10	(	(	PUNCT
fsr-4094	27	11	as	as	ADV
fsr-4094	27	12	well	well	ADV
fsr-4094	27	13	as	as	ADP
fsr-4094	27	14	other	other	ADJ
fsr-4094	27	15	uses	use	NOUN
fsr-4094	27	16	)	)	PUNCT
fsr-4094	27	17	is	be	AUX
fsr-4094	27	18	the	the	DET
fsr-4094	27	19	access	access	NOUN
fsr-4094	27	20	provided	provide	VERB
fsr-4094	27	21	to	to	ADP
fsr-4094	27	22	the	the	DET
fsr-4094	27	23	public	public	NOUN
fsr-4094	27	24	with	with	ADP
fsr-4094	27	25	the	the	DET
fsr-4094	27	26	creation	creation	NOUN
fsr-4094	27	27	of	of	ADP
fsr-4094	27	28	crypto	crypto	NOUN
fsr-4094	27	29	exchanges	exchange	NOUN
fsr-4094	27	30	.	.	PUNCT
fsr-4094	28	1	these	these	PRON
fsr-4094	28	2	are	be	AUX
fsr-4094	28	3	businesses	business	NOUN
fsr-4094	28	4	that	that	PRON
fsr-4094	28	5	facilitate	facilitate	VERB
fsr-4094	28	6	exchanging	exchange	VERB
fsr-4094	28	7	fiat	fiat	ADJ
fsr-4094	28	8	currencies	currency	NOUN
fsr-4094	28	9	for	for	ADP
fsr-4094	28	10	cryptocurrencies	cryptocurrencie	NOUN
fsr-4094	28	11	,	,	PUNCT
fsr-4094	28	12	where	where	SCONJ
fsr-4094	28	13	anyone	anyone	PRON
fsr-4094	28	14	can	can	AUX
fsr-4094	28	15	open	open	VERB
fsr-4094	28	16	an	an	DET
fsr-4094	28	17	account	account	NOUN
fsr-4094	28	18	,	,	PUNCT
fsr-4094	28	19	deposit	deposit	NOUN
fsr-4094	28	20	dollars	dollar	NOUN
fsr-4094	28	21	,	,	PUNCT
fsr-4094	28	22	buy	buy	VERB
fsr-4094	28	23	cryptocurrency	cryptocurrency	NOUN
fsr-4094	28	24	,	,	PUNCT
fsr-4094	28	25	and	and	CCONJ
fsr-4094	28	26	do	do	VERB
fsr-4094	28	27	the	the	DET
fsr-4094	28	28	reverse	reverse	NOUN
fsr-4094	28	29	.	.	PUNCT
fsr-4094	29	1	exchanges	exchange	NOUN
fsr-4094	29	2	allow	allow	VERB
fsr-4094	29	3	trade	trade	NOUN
fsr-4094	29	4	against	against	ADP
fsr-4094	29	5	other	other	ADJ
fsr-4094	29	6	cryptocurrencies	cryptocurrencie	NOUN
fsr-4094	29	7	and	and	CCONJ
fsr-4094	29	8	fiat	fiat	NOUN
fsr-4094	29	9	currencies	currency	NOUN
fsr-4094	29	10	,	,	PUNCT
fsr-4094	29	11	such	such	ADJ
fsr-4094	29	12	as	as	ADP
fsr-4094	29	13	the	the	DET
fsr-4094	29	14	dollar	dollar	NOUN
fsr-4094	29	15	or	or	CCONJ
fsr-4094	29	16	yen	yen	NOUN
fsr-4094	29	17	.	.	PUNCT
fsr-4094	30	1	fees	fee	NOUN
fsr-4094	30	2	range	range	VERB
fsr-4094	30	3	from	from	ADP
fsr-4094	30	4	.1	.1	NUM
fsr-4094	30	5	%	%	NOUN
fsr-4094	30	6	to	to	PART
fsr-4094	30	7	.5	.5	NUM
fsr-4094	30	8	%	%	NOUN
fsr-4094	30	9	of	of	ADP
fsr-4094	30	10	transactions	transaction	NOUN
fsr-4094	30	11	.	.	PUNCT
fsr-4094	31	1	traditional	traditional	ADJ
fsr-4094	31	2	brokerage	brokerage	NOUN
fsr-4094	31	3	firms	firm	NOUN
fsr-4094	31	4	also	also	ADV
fsr-4094	31	5	now	now	ADV
fsr-4094	31	6	provide	provide	VERB
fsr-4094	31	7	these	these	DET
fsr-4094	31	8	services	service	NOUN
fsr-4094	31	9	(	(	PUNCT
fsr-4094	31	10	giudici	giudici	NOUN
fsr-4094	31	11	et	et	PROPN
fsr-4094	31	12	al	al	PROPN
fsr-4094	31	13	.	.	PROPN
fsr-4094	31	14	,	,	PUNCT
fsr-4094	31	15	2020	2020	NUM
fsr-4094	31	16	)	)	PUNCT
fsr-4094	31	17	.	.	PUNCT
fsr-4094	32	1	the	the	DET
fsr-4094	32	2	retail	retail	ADJ
fsr-4094	32	3	public	public	NOUN
fsr-4094	32	4	can	can	AUX
fsr-4094	32	5	also	also	ADV
fsr-4094	32	6	access	access	VERB
fsr-4094	32	7	cryptocurrency	cryptocurrency	NOUN
fsr-4094	32	8	through	through	ADP
fsr-4094	32	9	atms	atms	NOUN
fsr-4094	32	10	and	and	CCONJ
fsr-4094	32	11	other	other	ADJ
fsr-4094	32	12	kiosk	kiosk	ADJ
fsr-4094	32	13	-	-	PUNCT
fsr-4094	32	14	type	type	NOUN
fsr-4094	32	15	arrangements	arrangement	NOUN
fsr-4094	32	16	,	,	PUNCT
fsr-4094	32	17	paying	pay	VERB
fsr-4094	32	18	either	either	CCONJ
fsr-4094	32	19	a	a	DET
fsr-4094	32	20	fee	fee	NOUN
fsr-4094	32	21	(	(	PUNCT
fsr-4094	32	22	generally	generally	ADV
fsr-4094	32	23	1	1	NUM
fsr-4094	32	24	%	%	NOUN
fsr-4094	32	25	)	)	PUNCT
fsr-4094	32	26	or	or	CCONJ
fsr-4094	32	27	purchasing	purchase	VERB
fsr-4094	32	28	at	at	ADP
fsr-4094	32	29	rates	rate	NOUN
fsr-4094	32	30	higher	high	ADJ
fsr-4094	32	31	than	than	ADP
fsr-4094	32	32	exchange	exchange	NOUN
fsr-4094	32	33	rates	rate	NOUN
fsr-4094	32	34	to	to	PART
fsr-4094	32	35	incorporate	incorporate	VERB
fsr-4094	32	36	a	a	DET
fsr-4094	32	37	fee	fee	NOUN
fsr-4094	32	38	(	(	PUNCT
fsr-4094	32	39	brown	brown	ADJ
fsr-4094	32	40	,	,	PUNCT
fsr-4094	32	41	2023	2023	NUM
fsr-4094	32	42	)	)	PUNCT
fsr-4094	32	43	.	.	PUNCT
fsr-4094	33	1	hypotheses	hypothesis	NOUN
fsr-4094	33	2	using	use	VERB
fsr-4094	33	3	2022	2022	NUM
fsr-4094	33	4	data	datum	NOUN
fsr-4094	33	5	from	from	ADP
fsr-4094	33	6	the	the	DET
fsr-4094	33	7	survey	survey	NOUN
fsr-4094	33	8	of	of	ADP
fsr-4094	33	9	household	household	NOUN
fsr-4094	33	10	economics	economic	NOUN
fsr-4094	33	11	and	and	CCONJ
fsr-4094	33	12	decisionmaking	decisionmake	VERB
fsr-4094	33	13	we	we	PRON
fsr-4094	33	14	formulate	formulate	VERB
fsr-4094	33	15	the	the	DET
fsr-4094	33	16	following	following	ADJ
fsr-4094	33	17	hypotheses	hypothesis	NOUN
fsr-4094	33	18	:	:	PUNCT
fsr-4094	33	19	h1	h1	X
fsr-4094	33	20	.	.	PUNCT
fsr-4094	34	1	holding	hold	VERB
fsr-4094	34	2	cryptocurrencies	cryptocurrencie	NOUN
fsr-4094	34	3	as	as	ADP
fsr-4094	34	4	an	an	DET
fsr-4094	34	5	investment	investment	NOUN
fsr-4094	34	6	is	be	AUX
fsr-4094	34	7	positively	positively	ADV
fsr-4094	34	8	associated	associate	VERB
fsr-4094	34	9	with	with	ADP
fsr-4094	34	10	using	use	VERB
fsr-4094	34	11	other	other	ADJ
fsr-4094	34	12	afss	afss	NOUN
fsr-4094	34	13	.	.	PUNCT
fsr-4094	35	1	h2	h2	PROPN
fsr-4094	35	2	.	.	PUNCT
fsr-4094	36	1	using	use	VERB
fsr-4094	36	2	cryptocurrencies	cryptocurrencie	NOUN
fsr-4094	36	3	to	to	PART
fsr-4094	36	4	make	make	VERB
fsr-4094	36	5	payments	payment	NOUN
fsr-4094	36	6	is	be	AUX
fsr-4094	36	7	positively	positively	ADV
fsr-4094	36	8	associated	associate	VERB
fsr-4094	36	9	with	with	ADP
fsr-4094	36	10	using	use	VERB
fsr-4094	36	11	other	other	ADJ
fsr-4094	36	12	afss	afss	NOUN
fsr-4094	36	13	.	.	PUNCT
fsr-4094	37	1	h3	h3	NOUN
fsr-4094	37	2	.	.	PUNCT
fsr-4094	38	1	using	use	VERB
fsr-4094	38	2	cryptocurrencies	cryptocurrencie	NOUN
fsr-4094	38	3	to	to	PART
fsr-4094	38	4	send	send	VERB
fsr-4094	38	5	money	money	NOUN
fsr-4094	38	6	to	to	ADP
fsr-4094	38	7	friends	friend	NOUN
fsr-4094	38	8	or	or	CCONJ
fsr-4094	38	9	family	family	NOUN
fsr-4094	38	10	is	be	AUX
fsr-4094	38	11	positively	positively	ADV
fsr-4094	38	12	associated	associate	VERB
fsr-4094	38	13	with	with	ADP
fsr-4094	38	14	using	use	VERB
fsr-4094	38	15	other	other	ADJ
fsr-4094	38	16	afss	afss	NOUN
fsr-4094	38	17	.	.	PUNCT
fsr-4094	39	1	by	by	ADP
fsr-4094	39	2	exploring	explore	VERB
fsr-4094	39	3	these	these	DET
fsr-4094	39	4	hypotheses	hypothesis	NOUN
fsr-4094	39	5	,	,	PUNCT
fsr-4094	39	6	pathways	pathway	NOUN
fsr-4094	39	7	toward	toward	ADP
fsr-4094	39	8	increasing	increase	VERB
fsr-4094	39	9	access	access	NOUN
fsr-4094	39	10	to	to	ADP
fsr-4094	39	11	financial	financial	ADJ
fsr-4094	39	12	services	service	NOUN
fsr-4094	39	13	for	for	ADP
fsr-4094	39	14	banked	banked	ADJ
fsr-4094	39	15	and	and	CCONJ
fsr-4094	39	16	underbanked	underbanked	ADJ
fsr-4094	39	17	households	household	NOUN
fsr-4094	39	18	can	can	AUX
fsr-4094	39	19	be	be	AUX
fsr-4094	39	20	supported	support	VERB
fsr-4094	39	21	through	through	ADP
fsr-4094	39	22	policy	policy	NOUN
fsr-4094	39	23	decisions	decision	NOUN
fsr-4094	39	24	and	and	CCONJ
fsr-4094	39	25	financial	financial	ADJ
fsr-4094	39	26	institution	institution	NOUN
fsr-4094	39	27	actions	action	NOUN
fsr-4094	39	28	.	.	PUNCT
fsr-4094	40	1	this	this	DET
fsr-4094	40	2	understanding	understanding	NOUN
fsr-4094	40	3	will	will	AUX
fsr-4094	40	4	assist	assist	VERB
fsr-4094	40	5	in	in	ADP
fsr-4094	40	6	relieving	relieve	VERB
fsr-4094	40	7	some	some	PRON
fsr-4094	40	8	of	of	ADP
fsr-4094	40	9	the	the	DET
fsr-4094	40	10	economic	economic	ADJ
fsr-4094	40	11	burden	burden	NOUN
fsr-4094	40	12	felt	feel	VERB
fsr-4094	40	13	by	by	ADP
fsr-4094	40	14	those	those	PRON
fsr-4094	40	15	having	have	VERB
fsr-4094	40	16	to	to	PART
fsr-4094	40	17	use	use	VERB
fsr-4094	40	18	afs	afs	NOUN
fsr-4094	40	19	services	service	NOUN
fsr-4094	40	20	and	and	CCONJ
fsr-4094	40	21	products	product	NOUN
fsr-4094	40	22	because	because	SCONJ
fsr-4094	40	23	of	of	ADP
fsr-4094	40	24	current	current	ADJ
fsr-4094	40	25	barriers	barrier	NOUN
fsr-4094	40	26	and	and	CCONJ
fsr-4094	40	27	behaviors	behavior	NOUN
fsr-4094	40	28	.	.	PUNCT
fsr-4094	41	1	similarly	similarly	ADV
fsr-4094	41	2	,	,	PUNCT
fsr-4094	41	3	greater	great	ADJ
fsr-4094	41	4	coherence	coherence	NOUN
fsr-4094	41	5	in	in	ADP
fsr-4094	41	6	the	the	DET
fsr-4094	41	7	investment	investment	NOUN
fsr-4094	41	8	use	use	NOUN
fsr-4094	41	9	of	of	ADP
fsr-4094	41	10	cryptocurrency	cryptocurrency	NOUN
fsr-4094	41	11	could	could	AUX
fsr-4094	41	12	be	be	AUX
fsr-4094	41	13	the	the	DET
fsr-4094	41	14	result	result	NOUN
fsr-4094	41	15	of	of	ADP
fsr-4094	41	16	understanding	understand	VERB
fsr-4094	41	17	the	the	DET
fsr-4094	41	18	potentially	potentially	ADV
fsr-4094	41	19	suboptimal	suboptimal	ADJ
fsr-4094	41	20	investment	investment	NOUN
fsr-4094	41	21	decisions	decision	NOUN
fsr-4094	41	22	(	(	PUNCT
fsr-4094	41	23	kim	kim	PROPN
fsr-4094	41	24	et	et	PROPN
fsr-4094	41	25	al	al	PROPN
fsr-4094	41	26	.	.	PROPN
fsr-4094	41	27	,	,	PUNCT
fsr-4094	41	28	2023	2023	NUM
fsr-4094	41	29	)	)	PUNCT
fsr-4094	41	30	.	.	PUNCT
fsr-4094	42	1	the	the	DET
fsr-4094	42	2	use	use	NOUN
fsr-4094	42	3	of	of	ADP
fsr-4094	42	4	cryptocurrency	cryptocurrency	NOUN
fsr-4094	42	5	as	as	ADP
fsr-4094	42	6	an	an	DET
fsr-4094	42	7	afs	afs	NOUN
fsr-4094	42	8	cryptocurrency	cryptocurrency	NOUN
fsr-4094	42	9	has	have	VERB
fsr-4094	42	10	several	several	ADJ
fsr-4094	42	11	attributes	attribute	NOUN
fsr-4094	42	12	that	that	PRON
fsr-4094	42	13	make	make	VERB
fsr-4094	42	14	it	it	PRON
fsr-4094	42	15	a	a	DET
fsr-4094	42	16	compelling	compelling	ADJ
fsr-4094	42	17	alternative	alternative	ADJ
fsr-4094	42	18	financial	financial	ADJ
fsr-4094	42	19	services	service	NOUN
fsr-4094	42	20	product	product	NOUN
fsr-4094	42	21	.	.	PUNCT
fsr-4094	43	1	first	first	ADV
fsr-4094	43	2	,	,	PUNCT
fsr-4094	43	3	cryptocurrency	cryptocurrency	NOUN
fsr-4094	43	4	allows	allow	VERB
fsr-4094	43	5	for	for	ADP
fsr-4094	43	6	transaction	transaction	NOUN
fsr-4094	43	7	privacy	privacy	NOUN
fsr-4094	43	8	(	(	PUNCT
fsr-4094	43	9	houy	houy	CCONJ
fsr-4094	43	10	et	et	PROPN
fsr-4094	43	11	al	al	PROPN
fsr-4094	43	12	.	.	PROPN
fsr-4094	43	13	,	,	PUNCT
fsr-4094	43	14	2024	2024	NUM
fsr-4094	43	15	)	)	PUNCT
fsr-4094	43	16	.	.	PUNCT
fsr-4094	44	1	privacy	privacy	NOUN
fsr-4094	44	2	is	be	AUX
fsr-4094	44	3	possible	possible	ADJ
fsr-4094	44	4	because	because	SCONJ
fsr-4094	44	5	the	the	DET
fsr-4094	44	6	value	value	NOUN
fsr-4094	44	7	represented	represent	VERB
fsr-4094	44	8	by	by	ADP
fsr-4094	44	9	the	the	DET
fsr-4094	44	10	cryptocurrency	cryptocurrency	NOUN
fsr-4094	44	11	is	be	AUX
fsr-4094	44	12	stored	store	VERB
fsr-4094	44	13	on	on	ADP
fsr-4094	44	14	a	a	DET
fsr-4094	44	15	decentralized	decentralized	ADJ
fsr-4094	44	16	ledger	ledger	NOUN
fsr-4094	44	17	,	,	PUNCT
fsr-4094	44	18	generally	generally	ADV
fsr-4094	44	19	a	a	DET
fsr-4094	44	20	blockchain	blockchain	NOUN
fsr-4094	44	21	,	,	PUNCT
fsr-4094	44	22	without	without	ADP
fsr-4094	44	23	identifiable	identifiable	ADJ
fsr-4094	44	24	ownership	ownership	NOUN
fsr-4094	44	25	data	datum	NOUN
fsr-4094	44	26	.	.	PUNCT
fsr-4094	45	1	this	this	DET
fsr-4094	45	2	storage	storage	NOUN
fsr-4094	45	3	unit	unit	NOUN
fsr-4094	45	4	is	be	AUX
fsr-4094	45	5	called	call	VERB
fsr-4094	45	6	a	a	DET
fsr-4094	45	7	wallet	wallet	NOUN
fsr-4094	45	8	.	.	PUNCT
fsr-4094	46	1	value	value	NOUN
fsr-4094	46	2	is	be	AUX
fsr-4094	46	3	transferred	transfer	VERB
fsr-4094	46	4	via	via	ADP
fsr-4094	46	5	anonymous	anonymous	ADJ
fsr-4094	46	6	instructions	instruction	NOUN
fsr-4094	46	7	to	to	PART
fsr-4094	46	8	transfer	transfer	VERB
fsr-4094	46	9	value	value	NOUN
fsr-4094	46	10	from	from	ADP
fsr-4094	46	11	the	the	DET
fsr-4094	46	12	sender	sender	NOUN
fsr-4094	46	13	’s	’s	PART
fsr-4094	46	14	wallet	wallet	NOUN
fsr-4094	46	15	to	to	ADP
fsr-4094	46	16	the	the	DET
fsr-4094	46	17	receiver	receiver	NOUN
fsr-4094	46	18	’s	’s	NOUN
fsr-4094	46	19	.	.	PUNCT
fsr-4094	47	1	a	a	DET
fsr-4094	47	2	second	second	ADJ
fsr-4094	47	3	reason	reason	NOUN
fsr-4094	47	4	cryptocurrency	cryptocurrency	NOUN
fsr-4094	47	5	is	be	AUX
fsr-4094	47	6	used	use	VERB
fsr-4094	47	7	is	be	AUX
fsr-4094	47	8	its	its	PRON
fsr-4094	47	9	perceived	perceive	VERB
fsr-4094	47	10	safety	safety	NOUN
fsr-4094	47	11	,	,	PUNCT
fsr-4094	47	12	provided	provide	VERB
fsr-4094	47	13	the	the	DET
fsr-4094	47	14	user	user	NOUN
fsr-4094	47	15	selects	select	VERB
fsr-4094	47	16	a	a	DET
fsr-4094	47	17	safe	safe	ADJ
fsr-4094	47	18	option	option	NOUN
fsr-4094	47	19	suitable	suitable	ADJ
fsr-4094	47	20	to	to	ADP
fsr-4094	47	21	their	their	PRON
fsr-4094	47	22	needs	need	NOUN
fsr-4094	47	23	(	(	PUNCT
fsr-4094	47	24	houy	houy	ADV
fsr-4094	47	25	et	et	PROPN
fsr-4094	47	26	al	al	PROPN
fsr-4094	47	27	.	.	PROPN
fsr-4094	47	28	,	,	PUNCT
fsr-4094	47	29	2024	2024	NUM
fsr-4094	47	30	)	)	PUNCT
fsr-4094	47	31	.	.	PUNCT
fsr-4094	48	1	third	third	ADV
fsr-4094	48	2	,	,	PUNCT
fsr-4094	48	3	transferring	transferring	NOUN
fsr-4094	48	4	value	value	NOUN
fsr-4094	48	5	is	be	AUX
fsr-4094	48	6	fast	fast	ADJ
fsr-4094	48	7	and	and	CCONJ
fsr-4094	48	8	inexpensive	inexpensive	ADJ
fsr-4094	48	9	.	.	PUNCT
fsr-4094	49	1	fourth	fourth	ADJ
fsr-4094	49	2	,	,	PUNCT
fsr-4094	49	3	cryptocurrency	cryptocurrency	NOUN
fsr-4094	49	4	is	be	AUX
fsr-4094	49	5	not	not	PART
fsr-4094	49	6	part	part	NOUN
fsr-4094	49	7	of	of	ADP
fsr-4094	49	8	the	the	DET
fsr-4094	49	9	traditional	traditional	ADJ
fsr-4094	49	10	banking	banking	NOUN
fsr-4094	49	11	system	system	NOUN
fsr-4094	49	12	and	and	CCONJ
fsr-4094	49	13	is	be	AUX
fsr-4094	49	14	thus	thus	ADV
fsr-4094	49	15	more	more	ADV
fsr-4094	49	16	acceptable	acceptable	ADJ
fsr-4094	49	17	to	to	ADP
fsr-4094	49	18	those	those	DET
fsr-4094	49	19	distrusting	distrust	VERB
fsr-4094	49	20	banks	bank	NOUN
fsr-4094	49	21	and	and	CCONJ
fsr-4094	49	22	bank	bank	NOUN
fsr-4094	49	23	regulators	regulator	NOUN
fsr-4094	49	24	.	.	PUNCT
fsr-4094	50	1	for	for	ADP
fsr-4094	50	2	these	these	DET
fsr-4094	50	3	and	and	CCONJ
fsr-4094	50	4	other	other	ADJ
fsr-4094	50	5	reasons	reason	NOUN
fsr-4094	50	6	,	,	PUNCT
fsr-4094	50	7	cryptocurrency	cryptocurrency	NOUN
fsr-4094	50	8	may	may	AUX
fsr-4094	50	9	be	be	AUX
fsr-4094	50	10	the	the	DET
fsr-4094	50	11	financial	financial	ADJ
fsr-4094	50	12	instrument	instrument	NOUN
fsr-4094	50	13	of	of	ADP
fsr-4094	50	14	choice	choice	NOUN
fsr-4094	50	15	for	for	ADP
fsr-4094	50	16	both	both	CCONJ
fsr-4094	50	17	the	the	DET
fsr-4094	50	18	financial	financial	PROPN
fsr-4094	50	19	services	service	NOUN
fsr-4094	50	20	review	review	NOUN
fsr-4094	50	21	,	,	PUNCT
fsr-4094	50	22	33(2	33(2	NUM
fsr-4094	50	23	)	)	PUNCT
fsr-4094	50	24	126	126	NUM
fsr-4094	50	25	sender	sender	NOUN
fsr-4094	50	26	and	and	CCONJ
fsr-4094	50	27	receiver	receiver	NOUN
fsr-4094	50	28	,	,	PUNCT
fsr-4094	50	29	including	include	VERB
fsr-4094	50	30	for	for	ADP
fsr-4094	50	31	illegal	illegal	ADJ
fsr-4094	50	32	transactions	transaction	NOUN
fsr-4094	50	33	such	such	ADJ
fsr-4094	50	34	as	as	ADP
fsr-4094	50	35	money	money	NOUN
fsr-4094	50	36	laundering	laundering	NOUN
fsr-4094	50	37	(	(	PUNCT
fsr-4094	50	38	wronka	wronka	NOUN
fsr-4094	50	39	,	,	PUNCT
fsr-4094	50	40	2022	2022	NUM
fsr-4094	50	41	)	)	PUNCT
fsr-4094	50	42	.	.	PUNCT
fsr-4094	51	1	besides	besides	SCONJ
fsr-4094	51	2	direct	direct	ADJ
fsr-4094	51	3	transfers	transfer	NOUN
fsr-4094	51	4	of	of	ADP
fsr-4094	51	5	cryptocurrency	cryptocurrency	NOUN
fsr-4094	51	6	between	between	ADP
fsr-4094	51	7	senders	sender	NOUN
fsr-4094	51	8	and	and	CCONJ
fsr-4094	51	9	receivers	receiver	NOUN
fsr-4094	51	10	,	,	PUNCT
fsr-4094	51	11	cryptocurrency	cryptocurrency	NOUN
fsr-4094	51	12	can	can	AUX
fsr-4094	51	13	be	be	AUX
fsr-4094	51	14	used	use	VERB
fsr-4094	51	15	via	via	ADP
fsr-4094	51	16	an	an	DET
fsr-4094	51	17	intermediated	intermediate	VERB
fsr-4094	51	18	transaction	transaction	NOUN
fsr-4094	51	19	,	,	PUNCT
fsr-4094	51	20	such	such	ADJ
fsr-4094	51	21	as	as	ADP
fsr-4094	51	22	buying	buy	VERB
fsr-4094	51	23	an	an	DET
fsr-4094	51	24	amazon	amazon	NOUN
fsr-4094	51	25	gift	gift	NOUN
fsr-4094	51	26	card	card	NOUN
fsr-4094	51	27	with	with	ADP
fsr-4094	51	28	cryptocurrency	cryptocurrency	NOUN
fsr-4094	51	29	,	,	PUNCT
fsr-4094	51	30	which	which	PRON
fsr-4094	51	31	can	can	AUX
fsr-4094	51	32	then	then	ADV
fsr-4094	51	33	be	be	AUX
fsr-4094	51	34	used	use	VERB
fsr-4094	51	35	exclusively	exclusively	ADV
fsr-4094	51	36	at	at	ADP
fsr-4094	51	37	amazon	amazon	NOUN
fsr-4094	51	38	online	online	ADV
fsr-4094	51	39	for	for	ADP
fsr-4094	51	40	purchases	purchase	NOUN
fsr-4094	51	41	.	.	PUNCT
fsr-4094	52	1	amazon	amazon	PROPN
fsr-4094	52	2	does	do	AUX
fsr-4094	52	3	not	not	PART
fsr-4094	52	4	accept	accept	VERB
fsr-4094	52	5	cryptocurrencies	cryptocurrencie	NOUN
fsr-4094	52	6	directly	directly	ADV
fsr-4094	52	7	,	,	PUNCT
fsr-4094	52	8	but	but	CCONJ
fsr-4094	52	9	this	this	DET
fsr-4094	52	10	method	method	NOUN
fsr-4094	52	11	is	be	AUX
fsr-4094	52	12	essentially	essentially	ADV
fsr-4094	52	13	the	the	DET
fsr-4094	52	14	same	same	ADJ
fsr-4094	52	15	.	.	PUNCT
fsr-4094	53	1	services	service	NOUN
fsr-4094	53	2	such	such	ADJ
fsr-4094	53	3	as	as	ADP
fsr-4094	53	4	coinsbee.com	coinsbee.com	X
fsr-4094	53	5	provide	provide	VERB
fsr-4094	53	6	this	this	DET
fsr-4094	53	7	service	service	NOUN
fsr-4094	53	8	for	for	ADP
fsr-4094	53	9	amazon	amazon	NOUN
fsr-4094	53	10	and	and	CCONJ
fsr-4094	53	11	many	many	ADJ
fsr-4094	53	12	other	other	ADJ
fsr-4094	53	13	retailers	retailer	NOUN
fsr-4094	53	14	,	,	PUNCT
fsr-4094	53	15	as	as	ADV
fsr-4094	53	16	well	well	ADV
fsr-4094	53	17	as	as	ADP
fsr-4094	53	18	prepaid	prepaid	ADJ
fsr-4094	53	19	mastercard	mastercard	NOUN
fsr-4094	53	20	and	and	CCONJ
fsr-4094	53	21	visa	visa	NOUN
fsr-4094	53	22	cards	card	NOUN
fsr-4094	53	23	(	(	PUNCT
fsr-4094	53	24	coinsbee	coinsbee	ADJ
fsr-4094	53	25	,	,	PUNCT
fsr-4094	53	26	2024	2024	NUM
fsr-4094	53	27	)	)	PUNCT
fsr-4094	53	28	.	.	PUNCT
fsr-4094	54	1	coinsbee.com	coinsbee.com	X
fsr-4094	54	2	will	will	AUX
fsr-4094	54	3	sell	sell	VERB
fsr-4094	54	4	you	you	PRON
fsr-4094	54	5	a	a	DET
fsr-4094	54	6	hotels.com	hotels.com	X
fsr-4094	54	7	gift	gift	NOUN
fsr-4094	54	8	card	card	NOUN
fsr-4094	54	9	if	if	SCONJ
fsr-4094	54	10	you	you	PRON
fsr-4094	54	11	want	want	VERB
fsr-4094	54	12	to	to	PART
fsr-4094	54	13	book	book	VERB
fsr-4094	54	14	a	a	DET
fsr-4094	54	15	hotel	hotel	NOUN
fsr-4094	54	16	stay	stay	NOUN
fsr-4094	54	17	.	.	PUNCT
fsr-4094	55	1	buy	buy	VERB
fsr-4094	55	2	a	a	DET
fsr-4094	55	3	doordash	doordash	NOUN
fsr-4094	55	4	card	card	NOUN
fsr-4094	55	5	to	to	PART
fsr-4094	55	6	pay	pay	VERB
fsr-4094	55	7	for	for	ADP
fsr-4094	55	8	your	your	PRON
fsr-4094	55	9	latenight	latenight	ADJ
fsr-4094	55	10	meal	meal	NOUN
fsr-4094	55	11	delivery	delivery	NOUN
fsr-4094	55	12	.	.	PUNCT
fsr-4094	56	1	exchanges	exchange	NOUN
fsr-4094	56	2	are	be	AUX
fsr-4094	56	3	available	available	ADJ
fsr-4094	56	4	where	where	SCONJ
fsr-4094	56	5	people	people	NOUN
fsr-4094	56	6	can	can	AUX
fsr-4094	56	7	buy	buy	VERB
fsr-4094	56	8	and	and	CCONJ
fsr-4094	56	9	sell	sell	VERB
fsr-4094	56	10	cryptocurrencies	cryptocurrencie	NOUN
fsr-4094	56	11	using	use	VERB
fsr-4094	56	12	fiat	fiat	ADJ
fsr-4094	56	13	currencies	currency	NOUN
fsr-4094	56	14	such	such	ADJ
fsr-4094	56	15	as	as	ADP
fsr-4094	56	16	the	the	DET
fsr-4094	56	17	u.s	u.s	PROPN
fsr-4094	56	18	.	.	PROPN
fsr-4094	56	19	dollar	dollar	NOUN
fsr-4094	56	20	.	.	PUNCT
fsr-4094	57	1	behavioral	behavioral	ADJ
fsr-4094	57	2	finance	finance	NOUN
fsr-4094	57	3	aspects	aspect	NOUN
fsr-4094	57	4	of	of	ADP
fsr-4094	57	5	the	the	DET
fsr-4094	57	6	use	use	NOUN
fsr-4094	57	7	of	of	ADP
fsr-4094	57	8	cryptocurrencies	cryptocurrencie	NOUN
fsr-4094	57	9	as	as	ADP
fsr-4094	57	10	an	an	DET
fsr-4094	57	11	afs	afs	NOUN
fsr-4094	57	12	and	and	CCONJ
fsr-4094	57	13	investment	investment	NOUN
fsr-4094	57	14	using	use	VERB
fsr-4094	57	15	cryptocurrency	cryptocurrency	NOUN
fsr-4094	57	16	as	as	ADP
fsr-4094	57	17	an	an	DET
fsr-4094	57	18	alternative	alternative	NOUN
fsr-4094	57	19	to	to	ADP
fsr-4094	57	20	traditional	traditional	ADJ
fsr-4094	57	21	financial	financial	ADJ
fsr-4094	57	22	instruments	instrument	NOUN
fsr-4094	57	23	may	may	AUX
fsr-4094	57	24	be	be	AUX
fsr-4094	57	25	a	a	DET
fsr-4094	57	26	logical	logical	ADJ
fsr-4094	57	27	,	,	PUNCT
fsr-4094	57	28	efficient	efficient	ADJ
fsr-4094	57	29	,	,	PUNCT
fsr-4094	57	30	and	and	CCONJ
fsr-4094	57	31	effective	effective	ADJ
fsr-4094	57	32	transaction	transaction	NOUN
fsr-4094	57	33	method	method	NOUN
fsr-4094	57	34	and	and	CCONJ
fsr-4094	57	35	investment	investment	NOUN
fsr-4094	57	36	instrument	instrument	NOUN
fsr-4094	57	37	.	.	PUNCT
fsr-4094	58	1	it	it	PRON
fsr-4094	58	2	also	also	ADV
fsr-4094	58	3	may	may	AUX
fsr-4094	58	4	be	be	AUX
fsr-4094	58	5	used	use	VERB
fsr-4094	58	6	based	base	VERB
fsr-4094	58	7	on	on	ADP
fsr-4094	58	8	sub	sub	ADJ
fsr-4094	58	9	-	-	ADJ
fsr-4094	58	10	optimal	optimal	ADJ
fsr-4094	58	11	decisionmaking	decisionmaking	NOUN
fsr-4094	58	12	due	due	ADP
fsr-4094	58	13	to	to	ADP
fsr-4094	58	14	behavioral	behavioral	ADJ
fsr-4094	58	15	finance	finance	NOUN
fsr-4094	58	16	factors	factor	NOUN
fsr-4094	58	17	.	.	PUNCT
fsr-4094	59	1	these	these	DET
fsr-4094	59	2	factors	factor	NOUN
fsr-4094	59	3	describe	describe	VERB
fsr-4094	59	4	potentially	potentially	ADV
fsr-4094	59	5	irrational	irrational	ADJ
fsr-4094	59	6	financial	financial	ADJ
fsr-4094	59	7	decisions	decision	NOUN
fsr-4094	59	8	.	.	PUNCT
fsr-4094	60	1	for	for	ADP
fsr-4094	60	2	example	example	NOUN
fsr-4094	60	3	,	,	PUNCT
fsr-4094	60	4	one	one	NUM
fsr-4094	60	5	reason	reason	NOUN
fsr-4094	60	6	for	for	ADP
fsr-4094	60	7	using	use	VERB
fsr-4094	60	8	cryptocurrency	cryptocurrency	NOUN
fsr-4094	60	9	is	be	AUX
fsr-4094	60	10	distrust	distrust	NOUN
fsr-4094	60	11	of	of	ADP
fsr-4094	60	12	banks	bank	NOUN
fsr-4094	60	13	(	(	PUNCT
fsr-4094	60	14	board	board	NOUN
fsr-4094	60	15	of	of	ADP
fsr-4094	60	16	governors	governor	NOUN
fsr-4094	60	17	,	,	PUNCT
fsr-4094	60	18	2022	2022	NUM
fsr-4094	60	19	)	)	PUNCT
fsr-4094	60	20	.	.	PUNCT
fsr-4094	61	1	if	if	SCONJ
fsr-4094	61	2	the	the	DET
fsr-4094	61	3	distrust	distrust	NOUN
fsr-4094	61	4	is	be	AUX
fsr-4094	61	5	without	without	ADP
fsr-4094	61	6	rational	rational	ADJ
fsr-4094	61	7	support	support	NOUN
fsr-4094	61	8	,	,	PUNCT
fsr-4094	61	9	perhaps	perhaps	ADV
fsr-4094	61	10	this	this	DET
fsr-4094	61	11	decision	decision	NOUN
fsr-4094	61	12	to	to	PART
fsr-4094	61	13	use	use	VERB
fsr-4094	61	14	cryptocurrency	cryptocurrency	NOUN
fsr-4094	61	15	is	be	AUX
fsr-4094	61	16	irrational	irrational	ADJ
fsr-4094	61	17	,	,	PUNCT
fsr-4094	61	18	and	and	CCONJ
fsr-4094	61	19	thus	thus	ADV
fsr-4094	61	20	,	,	PUNCT
fsr-4094	61	21	the	the	DET
fsr-4094	61	22	behavior	behavior	NOUN
fsr-4094	61	23	of	of	ADP
fsr-4094	61	24	using	use	VERB
fsr-4094	61	25	cryptocurrency	cryptocurrency	NOUN
fsr-4094	61	26	for	for	ADP
fsr-4094	61	27	transactions	transaction	NOUN
fsr-4094	61	28	is	be	AUX
fsr-4094	61	29	suboptimal	suboptimal	ADJ
fsr-4094	61	30	.	.	PUNCT
fsr-4094	62	1	since	since	SCONJ
fsr-4094	62	2	people	people	NOUN
fsr-4094	62	3	are	be	AUX
fsr-4094	62	4	generally	generally	ADV
fsr-4094	62	5	lossaverse	lossaverse	ADJ
fsr-4094	62	6	,	,	PUNCT
fsr-4094	62	7	a	a	DET
fsr-4094	62	8	behavioral	behavioral	ADJ
fsr-4094	62	9	finance	finance	NOUN
fsr-4094	62	10	concept	concept	NOUN
fsr-4094	62	11	,	,	PUNCT
fsr-4094	62	12	this	this	DET
fsr-4094	62	13	distrust	distrust	NOUN
fsr-4094	62	14	may	may	AUX
fsr-4094	62	15	be	be	AUX
fsr-4094	62	16	based	base	VERB
fsr-4094	62	17	on	on	ADP
fsr-4094	62	18	that	that	DET
fsr-4094	62	19	behavioral	behavioral	ADJ
fsr-4094	62	20	finance	finance	NOUN
fsr-4094	62	21	factor	factor	NOUN
fsr-4094	62	22	(	(	PUNCT
fsr-4094	62	23	sokol	sokol	NOUN
fsr-4094	62	24	-	-	PUNCT
fsr-4094	62	25	hessner	hessner	NOUN
fsr-4094	62	26	&	&	CCONJ
fsr-4094	62	27	rutledge	rutledge	PROPN
fsr-4094	62	28	,	,	PUNCT
fsr-4094	62	29	2018	2018	NUM
fsr-4094	62	30	)	)	PUNCT
fsr-4094	62	31	.	.	PUNCT
fsr-4094	63	1	the	the	DET
fsr-4094	63	2	lived	live	VERB
fsr-4094	63	3	experiences	experience	NOUN
fsr-4094	63	4	of	of	ADP
fsr-4094	63	5	the	the	DET
fsr-4094	63	6	unbanked	unbanked	ADJ
fsr-4094	63	7	and	and	CCONJ
fsr-4094	63	8	underbanked	underbanked	ADJ
fsr-4094	63	9	households	household	NOUN
fsr-4094	63	10	include	include	VERB
fsr-4094	63	11	high	high	ADJ
fsr-4094	63	12	overdraft	overdraft	NOUN
fsr-4094	63	13	fees	fee	NOUN
fsr-4094	63	14	at	at	ADP
fsr-4094	63	15	traditional	traditional	ADJ
fsr-4094	63	16	banks	bank	NOUN
fsr-4094	63	17	.	.	PUNCT
fsr-4094	64	1	having	having	AUX
fsr-4094	64	2	had	have	AUX
fsr-4094	64	3	to	to	PART
fsr-4094	64	4	pay	pay	VERB
fsr-4094	64	5	these	these	DET
fsr-4094	64	6	fees	fee	NOUN
fsr-4094	64	7	creates	create	VERB
fsr-4094	64	8	avoidance	avoidance	NOUN
fsr-4094	64	9	behaviors	behavior	NOUN
fsr-4094	64	10	that	that	PRON
fsr-4094	64	11	result	result	VERB
fsr-4094	64	12	in	in	ADP
fsr-4094	64	13	utilizing	utilize	VERB
fsr-4094	64	14	these	these	DET
fsr-4094	64	15	afss	afss	ADJ
fsr-4094	64	16	even	even	ADV
fsr-4094	64	17	if	if	SCONJ
fsr-4094	64	18	traditional	traditional	ADJ
fsr-4094	64	19	services	service	NOUN
fsr-4094	64	20	are	be	AUX
fsr-4094	64	21	available	available	ADJ
fsr-4094	64	22	(	(	PUNCT
fsr-4094	64	23	dlugosz	dlugosz	NOUN
fsr-4094	64	24	et	et	NOUN
fsr-4094	64	25	al	al	PROPN
fsr-4094	64	26	.	.	PROPN
fsr-4094	64	27	,	,	PUNCT
fsr-4094	64	28	2021	2021	NUM
fsr-4094	64	29	)	)	PUNCT
fsr-4094	64	30	.	.	PUNCT
fsr-4094	65	1	yes	yes	INTJ
fsr-4094	65	2	,	,	PUNCT
fsr-4094	65	3	the	the	DET
fsr-4094	65	4	distrust	distrust	NOUN
fsr-4094	65	5	of	of	ADP
fsr-4094	65	6	banks	bank	NOUN
fsr-4094	65	7	may	may	AUX
fsr-4094	65	8	be	be	AUX
fsr-4094	65	9	rational	rational	ADJ
fsr-4094	65	10	,	,	PUNCT
fsr-4094	65	11	perhaps	perhaps	ADV
fsr-4094	65	12	experientially	experientially	ADV
fsr-4094	65	13	based	base	VERB
fsr-4094	65	14	,	,	PUNCT
fsr-4094	65	15	so	so	SCONJ
fsr-4094	65	16	it	it	PRON
fsr-4094	65	17	is	be	AUX
fsr-4094	65	18	essential	essential	ADJ
fsr-4094	65	19	not	not	PART
fsr-4094	65	20	to	to	PART
fsr-4094	65	21	be	be	AUX
fsr-4094	65	22	rash	rash	ADJ
fsr-4094	65	23	when	when	SCONJ
fsr-4094	65	24	declaring	declare	VERB
fsr-4094	65	25	irrationality	irrationality	NOUN
fsr-4094	65	26	.	.	PUNCT
fsr-4094	66	1	herding	herd	VERB
fsr-4094	66	2	behavior	behavior	NOUN
fsr-4094	66	3	is	be	AUX
fsr-4094	66	4	a	a	DET
fsr-4094	66	5	behavioral	behavioral	ADJ
fsr-4094	66	6	finance	finance	NOUN
fsr-4094	66	7	concept	concept	NOUN
fsr-4094	66	8	prevalent	prevalent	NOUN
fsr-4094	66	9	in	in	ADP
fsr-4094	66	10	investing	invest	VERB
fsr-4094	66	11	in	in	ADP
fsr-4094	66	12	and	and	CCONJ
fsr-4094	66	13	using	use	VERB
fsr-4094	66	14	cryptocurrencies	cryptocurrencie	NOUN
fsr-4094	66	15	(	(	PUNCT
fsr-4094	66	16	omane	omane	NOUN
fsr-4094	66	17	-	-	PUNCT
fsr-4094	66	18	adjepong	adjepong	NOUN
fsr-4094	66	19	et	et	PROPN
fsr-4094	66	20	al	al	PROPN
fsr-4094	66	21	.	.	PROPN
fsr-4094	66	22	,	,	PUNCT
fsr-4094	66	23	2021	2021	NUM
fsr-4094	66	24	)	)	PUNCT
fsr-4094	66	25	.	.	PUNCT
fsr-4094	67	1	herding	herding	NOUN
fsr-4094	67	2	is	be	AUX
fsr-4094	67	3	when	when	SCONJ
fsr-4094	67	4	a	a	DET
fsr-4094	67	5	person	person	NOUN
fsr-4094	67	6	follows	follow	VERB
fsr-4094	67	7	the	the	DET
fsr-4094	67	8	crowd	crowd	NOUN
fsr-4094	67	9	,	,	PUNCT
fsr-4094	67	10	taking	take	VERB
fsr-4094	67	11	cues	cue	NOUN
fsr-4094	67	12	from	from	ADP
fsr-4094	67	13	others	other	NOUN
fsr-4094	67	14	,	,	PUNCT
fsr-4094	67	15	with	with	ADP
fsr-4094	67	16	no	no	DET
fsr-4094	67	17	leader	leader	NOUN
fsr-4094	67	18	necessary	necessary	ADJ
fsr-4094	67	19	.	.	PUNCT
fsr-4094	68	1	one	one	NUM
fsr-4094	68	2	reason	reason	NOUN
fsr-4094	68	3	for	for	ADP
fsr-4094	68	4	herding	herding	NOUN
fsr-4094	68	5	is	be	AUX
fsr-4094	68	6	a	a	DET
fsr-4094	68	7	natural	natural	ADJ
fsr-4094	68	8	tendency	tendency	NOUN
fsr-4094	68	9	to	to	PART
fsr-4094	68	10	fear	fear	VERB
fsr-4094	68	11	missing	miss	VERB
fsr-4094	68	12	out	out	ADP
fsr-4094	68	13	,	,	PUNCT
fsr-4094	68	14	sometimes	sometimes	ADV
fsr-4094	68	15	made	make	VERB
fsr-4094	68	16	into	into	ADP
fsr-4094	68	17	the	the	DET
fsr-4094	68	18	acronym	acronym	NOUN
fsr-4094	68	19	fomo	fomo	NOUN
fsr-4094	68	20	.	.	PUNCT
fsr-4094	69	1	media	medium	NOUN
fsr-4094	69	2	attention	attention	NOUN
fsr-4094	69	3	on	on	ADP
fsr-4094	69	4	cryptocurrencies	cryptocurrencie	NOUN
fsr-4094	69	5	is	be	AUX
fsr-4094	69	6	intense	intense	ADJ
fsr-4094	69	7	and	and	CCONJ
fsr-4094	69	8	constant	constant	ADJ
fsr-4094	69	9	,	,	PUNCT
fsr-4094	69	10	with	with	ADP
fsr-4094	69	11	thirty	thirty	NUM
fsr-4094	69	12	or	or	CCONJ
fsr-4094	69	13	more	more	ADJ
fsr-4094	69	14	articles	article	NOUN
fsr-4094	69	15	published	publish	VERB
fsr-4094	69	16	daily	daily	ADV
fsr-4094	69	17	being	be	AUX
fsr-4094	69	18	common	common	ADJ
fsr-4094	69	19	(	(	PUNCT
fsr-4094	69	20	lee	lee	PROPN
fsr-4094	69	21	&	&	CCONJ
fsr-4094	69	22	jeong	jeong	PROPN
fsr-4094	69	23	,	,	PUNCT
fsr-4094	69	24	2023	2023	NUM
fsr-4094	69	25	)	)	PUNCT
fsr-4094	69	26	.	.	PUNCT
fsr-4094	70	1	this	this	DET
fsr-4094	70	2	attention	attention	NOUN
fsr-4094	70	3	attracts	attract	VERB
fsr-4094	70	4	new	new	ADJ
fsr-4094	70	5	participants	participant	NOUN
fsr-4094	70	6	in	in	ADP
fsr-4094	70	7	this	this	DET
fsr-4094	70	8	market	market	NOUN
fsr-4094	70	9	,	,	PUNCT
fsr-4094	70	10	both	both	PRON
fsr-4094	70	11	cryptocurrency	cryptocurrency	NOUN
fsr-4094	70	12	investors	investor	NOUN
fsr-4094	70	13	and	and	CCONJ
fsr-4094	70	14	users	user	NOUN
fsr-4094	70	15	of	of	ADP
fsr-4094	70	16	cryptocurrencies	cryptocurrencie	NOUN
fsr-4094	70	17	as	as	ADP
fsr-4094	70	18	an	an	DET
fsr-4094	70	19	afs	afs	NOUN
fsr-4094	70	20	.	.	PUNCT
fsr-4094	71	1	the	the	DET
fsr-4094	71	2	entry	entry	NOUN
fsr-4094	71	3	of	of	ADP
fsr-4094	71	4	new	new	ADJ
fsr-4094	71	5	investors	investor	NOUN
fsr-4094	71	6	,	,	PUNCT
fsr-4094	71	7	likely	likely	ADV
fsr-4094	71	8	less	less	ADV
fsr-4094	71	9	informed	inform	VERB
fsr-4094	71	10	,	,	PUNCT
fsr-4094	71	11	coupled	couple	VERB
fsr-4094	71	12	with	with	ADP
fsr-4094	71	13	the	the	DET
fsr-4094	71	14	information	information	NOUN
fsr-4094	71	15	and	and	CCONJ
fsr-4094	71	16	misinformation	misinformation	NOUN
fsr-4094	71	17	in	in	ADP
fsr-4094	71	18	the	the	DET
fsr-4094	71	19	media	medium	NOUN
fsr-4094	71	20	reports	report	NOUN
fsr-4094	71	21	,	,	PUNCT
fsr-4094	71	22	contributes	contribute	VERB
fsr-4094	71	23	to	to	ADP
fsr-4094	71	24	the	the	DET
fsr-4094	71	25	volatility	volatility	NOUN
fsr-4094	71	26	of	of	ADP
fsr-4094	71	27	cryptocurrency	cryptocurrency	NOUN
fsr-4094	71	28	markets	market	NOUN
fsr-4094	71	29	(	(	PUNCT
fsr-4094	71	30	lee	lee	PROPN
fsr-4094	71	31	&	&	CCONJ
fsr-4094	71	32	jeong	jeong	PROPN
fsr-4094	71	33	,	,	PUNCT
fsr-4094	71	34	2023	2023	NUM
fsr-4094	71	35	)	)	PUNCT
fsr-4094	71	36	.	.	PUNCT
fsr-4094	72	1	in	in	ADP
fsr-4094	72	2	auction	auction	NOUN
fsr-4094	72	3	markets	market	NOUN
fsr-4094	72	4	like	like	ADP
fsr-4094	72	5	cryptocurrency	cryptocurrency	NOUN
fsr-4094	72	6	exchanges	exchange	NOUN
fsr-4094	72	7	,	,	PUNCT
fsr-4094	72	8	good	good	ADJ
fsr-4094	72	9	news	news	NOUN
fsr-4094	72	10	drives	drive	VERB
fsr-4094	72	11	prices	price	NOUN
fsr-4094	72	12	higher	high	ADJ
fsr-4094	72	13	than	than	SCONJ
fsr-4094	72	14	fundamentals	fundamental	NOUN
fsr-4094	72	15	suggest	suggest	VERB
fsr-4094	72	16	,	,	PUNCT
fsr-4094	72	17	while	while	SCONJ
fsr-4094	72	18	bad	bad	ADJ
fsr-4094	72	19	news	news	NOUN
fsr-4094	72	20	has	have	VERB
fsr-4094	72	21	the	the	DET
fsr-4094	72	22	opposite	opposite	ADJ
fsr-4094	72	23	effect	effect	NOUN
fsr-4094	72	24	.	.	PUNCT
fsr-4094	73	1	this	this	DET
fsr-4094	73	2	mispricing	mispricing	NOUN
fsr-4094	73	3	can	can	AUX
fsr-4094	73	4	be	be	AUX
fsr-4094	73	5	attributed	attribute	VERB
fsr-4094	73	6	to	to	ADP
fsr-4094	73	7	behavioral	behavioral	ADJ
fsr-4094	73	8	finance	finance	NOUN
fsr-4094	73	9	factors	factor	NOUN
fsr-4094	73	10	such	such	ADJ
fsr-4094	73	11	as	as	ADP
fsr-4094	73	12	overconfidence	overconfidence	NOUN
fsr-4094	73	13	,	,	PUNCT
fsr-4094	73	14	recency	recency	NOUN
fsr-4094	73	15	bias	bias	NOUN
fsr-4094	73	16	,	,	PUNCT
fsr-4094	73	17	anchoring	anchoring	NOUN
fsr-4094	73	18	,	,	PUNCT
fsr-4094	73	19	confirmation	confirmation	NOUN
fsr-4094	73	20	bias	bias	NOUN
fsr-4094	73	21	,	,	PUNCT
fsr-4094	73	22	disposition	disposition	NOUN
fsr-4094	73	23	effect	effect	NOUN
fsr-4094	73	24	,	,	PUNCT
fsr-4094	73	25	loss	loss	NOUN
fsr-4094	73	26	aversion	aversion	NOUN
fsr-4094	73	27	,	,	PUNCT
fsr-4094	73	28	and	and	CCONJ
fsr-4094	73	29	risk	risk	NOUN
fsr-4094	73	30	aversion	aversion	NOUN
fsr-4094	73	31	(	(	PUNCT
fsr-4094	73	32	thampanya	thampanya	NOUN
fsr-4094	73	33	et	et	PROPN
fsr-4094	73	34	al	al	PROPN
fsr-4094	73	35	.	.	PROPN
fsr-4094	73	36	,	,	PUNCT
fsr-4094	73	37	2020	2020	NUM
fsr-4094	73	38	)	)	PUNCT
fsr-4094	73	39	.	.	PUNCT
fsr-4094	74	1	media	medium	NOUN
fsr-4094	74	2	attention	attention	NOUN
fsr-4094	74	3	can	can	AUX
fsr-4094	74	4	trigger	trigger	VERB
fsr-4094	74	5	another	another	DET
fsr-4094	74	6	emotional	emotional	ADJ
fsr-4094	74	7	response	response	NOUN
fsr-4094	74	8	that	that	PRON
fsr-4094	74	9	may	may	AUX
fsr-4094	74	10	drive	drive	VERB
fsr-4094	74	11	irrational	irrational	ADJ
fsr-4094	74	12	behavior	behavior	NOUN
fsr-4094	74	13	:	:	PUNCT
fsr-4094	74	14	narrative	narrative	ADJ
fsr-4094	74	15	influence	influence	NOUN
fsr-4094	74	16	.	.	PUNCT
fsr-4094	75	1	this	this	PRON
fsr-4094	75	2	is	be	AUX
fsr-4094	75	3	a	a	DET
fsr-4094	75	4	powerful	powerful	ADJ
fsr-4094	75	5	influence	influence	NOUN
fsr-4094	75	6	associated	associate	VERB
fsr-4094	75	7	with	with	ADP
fsr-4094	75	8	storytelling	storytelling	NOUN
fsr-4094	75	9	.	.	PUNCT
fsr-4094	76	1	the	the	DET
fsr-4094	76	2	stories	story	NOUN
fsr-4094	76	3	in	in	ADP
fsr-4094	76	4	the	the	DET
fsr-4094	76	5	media	medium	NOUN
fsr-4094	76	6	encompass	encompass	VERB
fsr-4094	76	7	not	not	PART
fsr-4094	76	8	only	only	ADV
fsr-4094	76	9	what	what	PRON
fsr-4094	76	10	the	the	DET
fsr-4094	76	11	market	market	NOUN
fsr-4094	76	12	is	be	AUX
fsr-4094	76	13	doing	do	VERB
fsr-4094	76	14	in	in	ADP
fsr-4094	76	15	terms	term	NOUN
fsr-4094	76	16	of	of	ADP
fsr-4094	76	17	pricing	pricing	NOUN
fsr-4094	76	18	but	but	CCONJ
fsr-4094	76	19	also	also	ADV
fsr-4094	76	20	the	the	DET
fsr-4094	76	21	personal	personal	ADJ
fsr-4094	76	22	stories	story	NOUN
fsr-4094	76	23	of	of	ADP
fsr-4094	76	24	individual	individual	ADJ
fsr-4094	76	25	winners	winner	NOUN
fsr-4094	76	26	and	and	CCONJ
fsr-4094	76	27	losers	loser	NOUN
fsr-4094	76	28	.	.	PUNCT
fsr-4094	77	1	this	this	DET
fsr-4094	77	2	type	type	NOUN
fsr-4094	77	3	of	of	ADP
fsr-4094	77	4	information	information	NOUN
fsr-4094	77	5	can	can	AUX
fsr-4094	77	6	affect	affect	VERB
fsr-4094	77	7	the	the	DET
fsr-4094	77	8	readers	reader	NOUN
fsr-4094	77	9	’	’	PART
fsr-4094	77	10	emotions	emotion	NOUN
fsr-4094	77	11	and	and	CCONJ
fsr-4094	77	12	result	result	VERB
fsr-4094	77	13	in	in	ADP
fsr-4094	77	14	sub	sub	ADJ
fsr-4094	77	15	-	-	ADJ
fsr-4094	77	16	optimal	optimal	ADJ
fsr-4094	77	17	decisionmaking	decisionmaking	NOUN
fsr-4094	77	18	(	(	PUNCT
fsr-4094	77	19	shaffer	shaffer	NOUN
fsr-4094	77	20	et	et	PROPN
fsr-4094	77	21	al	al	PROPN
fsr-4094	77	22	.	.	PROPN
fsr-4094	77	23	,	,	PUNCT
fsr-4094	77	24	2018	2018	NUM
fsr-4094	77	25	)	)	PUNCT
fsr-4094	77	26	.	.	PUNCT
fsr-4094	78	1	confirmation	confirmation	NOUN
fsr-4094	78	2	bias	bias	NOUN
fsr-4094	78	3	,	,	PUNCT
fsr-4094	78	4	where	where	SCONJ
fsr-4094	78	5	a	a	DET
fsr-4094	78	6	person	person	NOUN
fsr-4094	78	7	pays	pay	VERB
fsr-4094	78	8	attention	attention	NOUN
fsr-4094	78	9	only	only	ADV
fsr-4094	78	10	to	to	ADP
fsr-4094	78	11	the	the	DET
fsr-4094	78	12	stories	story	NOUN
fsr-4094	78	13	that	that	PRON
fsr-4094	78	14	fit	fit	VERB
fsr-4094	78	15	with	with	ADP
fsr-4094	78	16	their	their	PRON
fsr-4094	78	17	current	current	ADJ
fsr-4094	78	18	beliefs	belief	NOUN
fsr-4094	78	19	,	,	PUNCT
fsr-4094	78	20	can	can	AUX
fsr-4094	78	21	lead	lead	VERB
fsr-4094	78	22	them	they	PRON
fsr-4094	78	23	to	to	PART
fsr-4094	78	24	make	make	VERB
fsr-4094	78	25	financial	financial	ADJ
fsr-4094	78	26	decisions	decision	NOUN
fsr-4094	78	27	without	without	ADP
fsr-4094	78	28	considering	consider	VERB
fsr-4094	78	29	all	all	DET
fsr-4094	78	30	the	the	DET
fsr-4094	78	31	alternatives	alternative	NOUN
fsr-4094	78	32	and	and	CCONJ
fsr-4094	78	33	consequences	consequence	NOUN
fsr-4094	78	34	.	.	PUNCT
fsr-4094	79	1	behavioral	behavioral	ADJ
fsr-4094	79	2	finance	finance	NOUN
fsr-4094	79	3	and	and	CCONJ
fsr-4094	79	4	literacy	literacy	NOUN
fsr-4094	79	5	financial	financial	ADJ
fsr-4094	79	6	literacy	literacy	NOUN
fsr-4094	79	7	is	be	AUX
fsr-4094	79	8	an	an	DET
fsr-4094	79	9	important	important	ADJ
fsr-4094	79	10	variable	variable	NOUN
fsr-4094	79	11	regarding	regard	VERB
fsr-4094	79	12	behavioral	behavioral	ADJ
fsr-4094	79	13	finance	finance	NOUN
fsr-4094	79	14	results	result	NOUN
fsr-4094	79	15	.	.	PUNCT
fsr-4094	80	1	there	there	PRON
fsr-4094	80	2	is	be	VERB
fsr-4094	80	3	much	much	ADJ
fsr-4094	80	4	discussion	discussion	NOUN
fsr-4094	80	5	on	on	ADP
fsr-4094	80	6	how	how	SCONJ
fsr-4094	80	7	to	to	PART
fsr-4094	80	8	measure	measure	VERB
fsr-4094	80	9	financial	financial	ADJ
fsr-4094	80	10	literacy	literacy	NOUN
fsr-4094	80	11	,	,	PUNCT
fsr-4094	80	12	including	include	VERB
fsr-4094	80	13	questions	question	NOUN
fsr-4094	80	14	to	to	PART
fsr-4094	80	15	be	be	AUX
fsr-4094	80	16	asked	ask	VERB
fsr-4094	80	17	,	,	PUNCT
fsr-4094	80	18	the	the	DET
fsr-4094	80	19	number	number	NOUN
fsr-4094	80	20	of	of	ADP
fsr-4094	80	21	questions	question	NOUN
fsr-4094	80	22	needed	need	VERB
fsr-4094	80	23	for	for	ADP
fsr-4094	80	24	a	a	DET
fsr-4094	80	25	valid	valid	ADJ
fsr-4094	80	26	answer	answer	NOUN
fsr-4094	80	27	,	,	PUNCT
fsr-4094	80	28	and	and	CCONJ
fsr-4094	80	29	the	the	DET
fsr-4094	80	30	saliency	saliency	NOUN
fsr-4094	80	31	of	of	ADP
fsr-4094	80	32	the	the	DET
fsr-4094	80	33	questions	question	NOUN
fsr-4094	80	34	in	in	ADP
fsr-4094	80	35	context	context	NOUN
fsr-4094	80	36	,	,	PUNCT
fsr-4094	80	37	among	among	ADP
fsr-4094	80	38	others	other	NOUN
fsr-4094	80	39	(	(	PUNCT
fsr-4094	80	40	ouachani	ouachani	PROPN
fsr-4094	80	41	et	et	PROPN
fsr-4094	80	42	al	al	PROPN
fsr-4094	80	43	.	.	PROPN
fsr-4094	80	44	,	,	PUNCT
fsr-4094	80	45	2021	2021	NUM
fsr-4094	80	46	)	)	PUNCT
fsr-4094	80	47	.	.	PUNCT
fsr-4094	81	1	the	the	DET
fsr-4094	81	2	shed	shed	ADJ
fsr-4094	81	3	study	study	NOUN
fsr-4094	81	4	used	use	VERB
fsr-4094	81	5	what	what	PRON
fsr-4094	81	6	is	be	AUX
fsr-4094	81	7	commonly	commonly	ADV
fsr-4094	81	8	called	call	VERB
fsr-4094	81	9	the	the	DET
fsr-4094	81	10	big	big	ADJ
fsr-4094	81	11	three	three	NUM
fsr-4094	81	12	questionnaire	questionnaire	NOUN
fsr-4094	81	13	developed	develop	VERB
fsr-4094	81	14	in	in	ADP
fsr-4094	81	15	2008	2008	NUM
fsr-4094	81	16	(	(	PUNCT
fsr-4094	81	17	lusardi	lusardi	PROPN
fsr-4094	81	18	&	&	CCONJ
fsr-4094	81	19	mitchell	mitchell	PROPN
fsr-4094	81	20	,	,	PUNCT
fsr-4094	81	21	2014	2014	NUM
fsr-4094	81	22	)	)	PUNCT
fsr-4094	81	23	and	and	CCONJ
fsr-4094	81	24	used	use	VERB
fsr-4094	81	25	by	by	ADP
fsr-4094	81	26	many	many	ADJ
fsr-4094	81	27	large	large	ADJ
fsr-4094	81	28	group	group	NOUN
fsr-4094	81	29	curnutt	curnutt	NOUN
fsr-4094	81	30	and	and	CCONJ
fsr-4094	81	31	smith	smith	PROPN
fsr-4094	81	32	127	127	NUM
fsr-4094	81	33	studies	study	NOUN
fsr-4094	81	34	(	(	PUNCT
fsr-4094	81	35	ouachani	ouachani	PROPN
fsr-4094	81	36	et	et	PROPN
fsr-4094	81	37	al	al	PROPN
fsr-4094	81	38	.	.	PROPN
fsr-4094	81	39	,	,	PUNCT
fsr-4094	81	40	2021	2021	NUM
fsr-4094	81	41	)	)	PUNCT
fsr-4094	81	42	.	.	PUNCT
fsr-4094	82	1	financial	financial	ADJ
fsr-4094	82	2	literacy	literacy	NOUN
fsr-4094	82	3	is	be	AUX
fsr-4094	82	4	positively	positively	ADV
fsr-4094	82	5	correlated	correlate	VERB
fsr-4094	82	6	with	with	ADP
fsr-4094	82	7	financial	financial	ADJ
fsr-4094	82	8	decisions	decision	NOUN
fsr-4094	82	9	in	in	SCONJ
fsr-4094	82	10	that	that	SCONJ
fsr-4094	82	11	the	the	DET
fsr-4094	82	12	more	more	ADV
fsr-4094	82	13	literate	literate	ADJ
fsr-4094	82	14	the	the	DET
fsr-4094	82	15	individual	individual	NOUN
fsr-4094	82	16	is	be	AUX
fsr-4094	82	17	,	,	PUNCT
fsr-4094	82	18	the	the	PRON
fsr-4094	82	19	better	well	ADJ
fsr-4094	82	20	their	their	PRON
fsr-4094	82	21	decisions	decision	NOUN
fsr-4094	82	22	.	.	PUNCT
fsr-4094	83	1	better	well	ADJ
fsr-4094	83	2	decision	decision	NOUN
fsr-4094	83	3	-	-	PUNCT
fsr-4094	83	4	making	making	NOUN
fsr-4094	83	5	was	be	AUX
fsr-4094	83	6	based	base	VERB
fsr-4094	83	7	on	on	ADP
fsr-4094	83	8	more	more	ADV
fsr-4094	83	9	rational	rational	ADJ
fsr-4094	83	10	considerations	consideration	NOUN
fsr-4094	83	11	,	,	PUNCT
fsr-4094	83	12	while	while	SCONJ
fsr-4094	83	13	worse	bad	ADJ
fsr-4094	83	14	decisions	decision	NOUN
fsr-4094	83	15	were	be	AUX
fsr-4094	83	16	based	base	VERB
fsr-4094	83	17	on	on	ADP
fsr-4094	83	18	less	less	ADV
fsr-4094	83	19	rational	rational	ADJ
fsr-4094	83	20	behaviors	behavior	NOUN
fsr-4094	83	21	(	(	PUNCT
fsr-4094	83	22	kumari	kumari	X
fsr-4094	83	23	,	,	PUNCT
fsr-4094	83	24	2020	2020	NUM
fsr-4094	83	25	)	)	PUNCT
fsr-4094	83	26	.	.	PUNCT
fsr-4094	84	1	in	in	ADP
fsr-4094	84	2	other	other	ADJ
fsr-4094	84	3	words	word	NOUN
fsr-4094	84	4	,	,	PUNCT
fsr-4094	84	5	the	the	DET
fsr-4094	84	6	more	more	ADV
fsr-4094	84	7	literate	literate	ADJ
fsr-4094	84	8	individuals	individual	NOUN
fsr-4094	84	9	were	be	AUX
fsr-4094	84	10	less	less	ADV
fsr-4094	84	11	susceptible	susceptible	ADJ
fsr-4094	84	12	to	to	ADP
fsr-4094	84	13	the	the	DET
fsr-4094	84	14	behavioral	behavioral	ADJ
fsr-4094	84	15	finance	finance	NOUN
fsr-4094	84	16	concepts	concept	NOUN
fsr-4094	84	17	that	that	PRON
fsr-4094	84	18	would	would	AUX
fsr-4094	84	19	lead	lead	VERB
fsr-4094	84	20	them	they	PRON
fsr-4094	84	21	to	to	ADP
fsr-4094	84	22	less	less	ADV
fsr-4094	84	23	optimal	optimal	ADJ
fsr-4094	84	24	financial	financial	ADJ
fsr-4094	84	25	decisions	decision	NOUN
fsr-4094	84	26	.	.	PUNCT
fsr-4094	85	1	risk	risk	NOUN
fsr-4094	85	2	tolerance	tolerance	NOUN
fsr-4094	85	3	the	the	DET
fsr-4094	85	4	volatility	volatility	NOUN
fsr-4094	85	5	of	of	ADP
fsr-4094	85	6	cryptocurrency	cryptocurrency	NOUN
fsr-4094	85	7	is	be	AUX
fsr-4094	85	8	high	high	ADJ
fsr-4094	85	9	compared	compare	VERB
fsr-4094	85	10	to	to	ADP
fsr-4094	85	11	many	many	ADJ
fsr-4094	85	12	other	other	ADJ
fsr-4094	85	13	investments	investment	NOUN
fsr-4094	85	14	(	(	PUNCT
fsr-4094	85	15	baur	baur	PROPN
fsr-4094	85	16	&	&	CCONJ
fsr-4094	85	17	dimpfl	dimpfl	PROPN
fsr-4094	85	18	,	,	PUNCT
fsr-4094	85	19	2021	2021	NUM
fsr-4094	85	20	)	)	PUNCT
fsr-4094	85	21	,	,	PUNCT
fsr-4094	85	22	so	so	CCONJ
fsr-4094	85	23	by	by	ADP
fsr-4094	85	24	definition	definition	NOUN
fsr-4094	85	25	,	,	PUNCT
fsr-4094	85	26	it	it	PRON
fsr-4094	85	27	is	be	AUX
fsr-4094	85	28	risky	risky	ADJ
fsr-4094	85	29	,	,	PUNCT
fsr-4094	85	30	with	with	ADP
fsr-4094	85	31	risk	risk	NOUN
fsr-4094	85	32	being	be	AUX
fsr-4094	85	33	deviance	deviance	NOUN
fsr-4094	85	34	from	from	ADP
fsr-4094	85	35	the	the	DET
fsr-4094	85	36	mean	mean	NOUN
fsr-4094	85	37	.	.	PUNCT
fsr-4094	86	1	as	as	ADP
fsr-4094	86	2	an	an	DET
fsr-4094	86	3	asset	asset	NOUN
fsr-4094	86	4	,	,	PUNCT
fsr-4094	86	5	price	price	NOUN
fsr-4094	86	6	fluctuations	fluctuation	NOUN
fsr-4094	86	7	are	be	AUX
fsr-4094	86	8	affected	affect	VERB
fsr-4094	86	9	by	by	ADP
fsr-4094	86	10	size	size	NOUN
fsr-4094	86	11	premium	premium	NOUN
fsr-4094	86	12	,	,	PUNCT
fsr-4094	86	13	attention	attention	NOUN
fsr-4094	86	14	-	-	PUNCT
fsr-4094	86	15	driven	drive	VERB
fsr-4094	86	16	overreaction	overreaction	NOUN
fsr-4094	86	17	momentum	momentum	NOUN
fsr-4094	86	18	,	,	PUNCT
fsr-4094	86	19	and	and	CCONJ
fsr-4094	86	20	familiarity	familiarity	NOUN
fsr-4094	86	21	(	(	PUNCT
fsr-4094	86	22	liu	liu	PROPN
fsr-4094	86	23	et	et	PROPN
fsr-4094	86	24	al	al	PROPN
fsr-4094	86	25	.	.	PROPN
fsr-4094	86	26	,	,	PUNCT
fsr-4094	86	27	2022	2022	NUM
fsr-4094	86	28	)	)	PUNCT
fsr-4094	86	29	.	.	PUNCT
fsr-4094	87	1	it	it	PRON
fsr-4094	87	2	would	would	AUX
fsr-4094	87	3	seem	seem	VERB
fsr-4094	87	4	,	,	PUNCT
fsr-4094	87	5	then	then	ADV
fsr-4094	87	6	,	,	PUNCT
fsr-4094	87	7	that	that	DET
fsr-4094	87	8	risk	risk	NOUN
fsr-4094	87	9	tolerance	tolerance	NOUN
fsr-4094	87	10	,	,	PUNCT
fsr-4094	87	11	that	that	ADV
fsr-4094	87	12	is	is	ADV
fsr-4094	87	13	,	,	PUNCT
fsr-4094	87	14	an	an	DET
fsr-4094	87	15	individual	individual	NOUN
fsr-4094	87	16	's	's	PART
fsr-4094	87	17	susceptibility	susceptibility	NOUN
fsr-4094	87	18	to	to	ADP
fsr-4094	87	19	making	make	VERB
fsr-4094	87	20	decisions	decision	NOUN
fsr-4094	87	21	during	during	ADP
fsr-4094	87	22	volatility	volatility	NOUN
fsr-4094	87	23	downwards	downward	NOUN
fsr-4094	87	24	,	,	PUNCT
fsr-4094	87	25	would	would	AUX
fsr-4094	87	26	play	play	VERB
fsr-4094	87	27	a	a	DET
fsr-4094	87	28	large	large	ADJ
fsr-4094	87	29	role	role	NOUN
fsr-4094	87	30	in	in	ADP
fsr-4094	87	31	participation	participation	NOUN
fsr-4094	87	32	in	in	ADP
fsr-4094	87	33	cryptocurrency	cryptocurrency	NOUN
fsr-4094	87	34	as	as	ADP
fsr-4094	87	35	an	an	DET
fsr-4094	87	36	investment	investment	NOUN
fsr-4094	87	37	.	.	PUNCT
fsr-4094	88	1	risk	risk	NOUN
fsr-4094	88	2	tolerance	tolerance	NOUN
fsr-4094	88	3	is	be	AUX
fsr-4094	88	4	measured	measure	VERB
fsr-4094	88	5	in	in	ADP
fsr-4094	88	6	many	many	ADJ
fsr-4094	88	7	ways	way	NOUN
fsr-4094	88	8	,	,	PUNCT
fsr-4094	88	9	from	from	ADP
fsr-4094	88	10	self	self	NOUN
fsr-4094	88	11	-	-	PUNCT
fsr-4094	88	12	reported	report	VERB
fsr-4094	88	13	(	(	PUNCT
fsr-4094	88	14	willingness	willingness	NOUN
fsr-4094	88	15	to	to	PART
fsr-4094	88	16	take	take	VERB
fsr-4094	88	17	the	the	DET
fsr-4094	88	18	risk	risk	NOUN
fsr-4094	88	19	)	)	PUNCT
fsr-4094	88	20	to	to	ADP
fsr-4094	88	21	objective	objective	ADJ
fsr-4094	88	22	and	and	CCONJ
fsr-4094	88	23	subjective	subjective	ADJ
fsr-4094	88	24	lengthy	lengthy	ADJ
fsr-4094	88	25	questionnaires	questionnaire	NOUN
fsr-4094	88	26	(	(	PUNCT
fsr-4094	88	27	omanovic	omanovic	PROPN
fsr-4094	88	28	&	&	CCONJ
fsr-4094	88	29	zaimovic	zaimovic	PROPN
fsr-4094	88	30	,	,	PUNCT
fsr-4094	88	31	2024	2024	NUM
fsr-4094	88	32	)	)	PUNCT
fsr-4094	88	33	.	.	PUNCT
fsr-4094	89	1	risk	risk	NOUN
fsr-4094	89	2	tolerance	tolerance	NOUN
fsr-4094	89	3	measurements	measurement	NOUN
fsr-4094	89	4	are	be	AUX
fsr-4094	89	5	designed	design	VERB
fsr-4094	89	6	to	to	PART
fsr-4094	89	7	understand	understand	VERB
fsr-4094	89	8	how	how	SCONJ
fsr-4094	89	9	an	an	DET
fsr-4094	89	10	individual	individual	ADJ
fsr-4094	89	11	views	view	NOUN
fsr-4094	89	12	risk	risk	NOUN
fsr-4094	89	13	and	and	CCONJ
fsr-4094	89	14	risk	risk	NOUN
fsr-4094	89	15	’s	’s	PART
fsr-4094	89	16	potentiality	potentiality	NOUN
fsr-4094	89	17	.	.	PUNCT
fsr-4094	90	1	three	three	NUM
fsr-4094	90	2	categories	category	NOUN
fsr-4094	90	3	of	of	ADP
fsr-4094	90	4	measuring	measure	VERB
fsr-4094	90	5	instruments	instrument	NOUN
fsr-4094	90	6	are	be	AUX
fsr-4094	90	7	prevalent	prevalent	ADJ
fsr-4094	90	8	:	:	PUNCT
fsr-4094	90	9	a	a	X
fsr-4094	90	10	)	)	PUNCT
fsr-4094	90	11	propensity	propensity	NOUN
fsr-4094	90	12	measures	measure	NOUN
fsr-4094	90	13	,	,	PUNCT
fsr-4094	90	14	b	b	NOUN
fsr-4094	90	15	)	)	PUNCT
fsr-4094	90	16	stated	state	VERB
fsr-4094	90	17	preferences	preference	NOUN
fsr-4094	90	18	,	,	PUNCT
fsr-4094	90	19	and	and	CCONJ
fsr-4094	90	20	c	c	X
fsr-4094	90	21	)	)	PUNCT
fsr-4094	90	22	revealed	reveal	VERB
fsr-4094	90	23	preferences	preference	NOUN
fsr-4094	90	24	,	,	PUNCT
fsr-4094	90	25	with	with	ADP
fsr-4094	90	26	all	all	DET
fsr-4094	90	27	three	three	NUM
fsr-4094	90	28	having	have	VERB
fsr-4094	90	29	validated	validate	VERB
fsr-4094	90	30	results	result	NOUN
fsr-4094	90	31	.	.	PUNCT
fsr-4094	91	1	(	(	PUNCT
fsr-4094	91	2	eun	eun	PROPN
fsr-4094	91	3	&	&	CCONJ
fsr-4094	91	4	grable	grable	PROPN
fsr-4094	91	5	,	,	PUNCT
fsr-4094	91	6	2024	2024	NUM
fsr-4094	91	7	)	)	PUNCT
fsr-4094	91	8	.	.	PUNCT
fsr-4094	92	1	however	however	ADV
fsr-4094	92	2	,	,	PUNCT
fsr-4094	92	3	due	due	ADP
fsr-4094	92	4	to	to	ADP
fsr-4094	92	5	behavioral	behavioral	ADJ
fsr-4094	92	6	finance	finance	NOUN
fsr-4094	92	7	concepts	concept	NOUN
fsr-4094	92	8	such	such	ADJ
fsr-4094	92	9	as	as	ADP
fsr-4094	92	10	loss	loss	NOUN
fsr-4094	92	11	aversion	aversion	NOUN
fsr-4094	92	12	,	,	PUNCT
fsr-4094	92	13	emotional	emotional	ADJ
fsr-4094	92	14	responses	response	NOUN
fsr-4094	92	15	,	,	PUNCT
fsr-4094	92	16	overconfidence	overconfidence	NOUN
fsr-4094	92	17	,	,	PUNCT
fsr-4094	92	18	confirmation	confirmation	NOUN
fsr-4094	92	19	bias	bias	NOUN
fsr-4094	92	20	,	,	PUNCT
fsr-4094	92	21	recency	recency	NOUN
fsr-4094	92	22	bias	bias	NOUN
fsr-4094	92	23	,	,	PUNCT
fsr-4094	92	24	and	and	CCONJ
fsr-4094	92	25	others	other	NOUN
fsr-4094	92	26	,	,	PUNCT
fsr-4094	92	27	what	what	PRON
fsr-4094	92	28	people	people	NOUN
fsr-4094	92	29	confirm	confirm	VERB
fsr-4094	92	30	a	a	DET
fsr-4094	92	31	priori	priori	NOUN
fsr-4094	92	32	is	be	AUX
fsr-4094	92	33	not	not	PART
fsr-4094	92	34	constant	constant	ADJ
fsr-4094	92	35	with	with	ADP
fsr-4094	92	36	actual	actual	ADJ
fsr-4094	92	37	decisions	decision	NOUN
fsr-4094	92	38	when	when	SCONJ
fsr-4094	92	39	losses	loss	NOUN
fsr-4094	92	40	mount	mount	VERB
fsr-4094	92	41	,	,	PUNCT
fsr-4094	92	42	or	or	CCONJ
fsr-4094	92	43	gains	gain	NOUN
fsr-4094	92	44	are	be	AUX
fsr-4094	92	45	excessive	excessive	ADJ
fsr-4094	92	46	(	(	PUNCT
fsr-4094	92	47	guillemette	guillemette	NOUN
fsr-4094	92	48	&	&	CCONJ
fsr-4094	92	49	finke	finke	PROPN
fsr-4094	92	50	,	,	PUNCT
fsr-4094	92	51	2014	2014	NUM
fsr-4094	92	52	)	)	PUNCT
fsr-4094	92	53	.	.	PUNCT
fsr-4094	93	1	the	the	DET
fsr-4094	93	2	shed	shed	ADJ
fsr-4094	93	3	study	study	NOUN
fsr-4094	93	4	used	use	VERB
fsr-4094	93	5	selfreporting	selfreporte	VERB
fsr-4094	93	6	for	for	ADP
fsr-4094	93	7	stated	stated	ADJ
fsr-4094	93	8	preferences	preference	NOUN
fsr-4094	93	9	.	.	PUNCT
fsr-4094	94	1	to	to	PART
fsr-4094	94	2	mitigate	mitigate	VERB
fsr-4094	94	3	the	the	DET
fsr-4094	94	4	effects	effect	NOUN
fsr-4094	94	5	of	of	ADP
fsr-4094	94	6	behavioral	behavioral	ADJ
fsr-4094	94	7	finance	finance	NOUN
fsr-4094	94	8	factors	factor	NOUN
fsr-4094	94	9	on	on	ADP
fsr-4094	94	10	decisionmaking	decisionmake	VERB
fsr-4094	94	11	,	,	PUNCT
fsr-4094	94	12	an	an	DET
fsr-4094	94	13	individual	individual	ADJ
fsr-4094	94	14	needs	need	VERB
fsr-4094	94	15	to	to	PART
fsr-4094	94	16	take	take	VERB
fsr-4094	94	17	proactive	proactive	ADJ
fsr-4094	94	18	steps	step	NOUN
fsr-4094	94	19	to	to	PART
fsr-4094	94	20	understand	understand	VERB
fsr-4094	94	21	their	their	PRON
fsr-4094	94	22	risk	risk	NOUN
fsr-4094	94	23	perception	perception	NOUN
fsr-4094	94	24	and	and	CCONJ
fsr-4094	94	25	identify	identify	VERB
fsr-4094	94	26	biases	bias	NOUN
fsr-4094	94	27	they	they	PRON
fsr-4094	94	28	may	may	AUX
fsr-4094	94	29	have	have	VERB
fsr-4094	94	30	,	,	PUNCT
fsr-4094	94	31	such	such	ADJ
fsr-4094	94	32	as	as	ADP
fsr-4094	94	33	overconfidence	overconfidence	NOUN
fsr-4094	94	34	and	and	CCONJ
fsr-4094	94	35	anchoring	anchoring	NOUN
fsr-4094	94	36	.	.	PUNCT
fsr-4094	95	1	this	this	PRON
fsr-4094	95	2	can	can	AUX
fsr-4094	95	3	be	be	AUX
fsr-4094	95	4	done	do	VERB
fsr-4094	95	5	through	through	ADP
fsr-4094	95	6	education	education	NOUN
fsr-4094	95	7	(	(	PUNCT
fsr-4094	95	8	financial	financial	ADJ
fsr-4094	95	9	literacy	literacy	NOUN
fsr-4094	95	10	)	)	PUNCT
fsr-4094	95	11	and	and	CCONJ
fsr-4094	95	12	consulting	consult	VERB
fsr-4094	95	13	with	with	ADP
fsr-4094	95	14	professional	professional	ADJ
fsr-4094	95	15	financial	financial	ADJ
fsr-4094	95	16	advisors	advisor	NOUN
fsr-4094	95	17	(	(	PUNCT
fsr-4094	95	18	coaching	coaching	NOUN
fsr-4094	95	19	)	)	PUNCT
fsr-4094	95	20	(	(	PUNCT
fsr-4094	95	21	almansour	almansour	NOUN
fsr-4094	95	22	et	et	PROPN
fsr-4094	95	23	al	al	PROPN
fsr-4094	95	24	.	.	PROPN
fsr-4094	95	25	,	,	PUNCT
fsr-4094	95	26	2023	2023	NUM
fsr-4094	95	27	)	)	PUNCT
fsr-4094	95	28	.	.	PUNCT
fsr-4094	96	1	formal	formal	ADJ
fsr-4094	96	2	coursework	coursework	NOUN
fsr-4094	96	3	has	have	AUX
fsr-4094	96	4	been	be	AUX
fsr-4094	96	5	shown	show	VERB
fsr-4094	96	6	to	to	PART
fsr-4094	96	7	reduce	reduce	VERB
fsr-4094	96	8	behaviors	behavior	NOUN
fsr-4094	96	9	such	such	ADJ
fsr-4094	96	10	as	as	ADP
fsr-4094	96	11	the	the	DET
fsr-4094	96	12	disposition	disposition	NOUN
fsr-4094	96	13	effect	effect	NOUN
fsr-4094	96	14	,	,	PUNCT
fsr-4094	96	15	which	which	PRON
fsr-4094	96	16	is	be	AUX
fsr-4094	96	17	the	the	DET
fsr-4094	96	18	tendency	tendency	NOUN
fsr-4094	96	19	to	to	PART
fsr-4094	96	20	hold	hold	VERB
fsr-4094	96	21	losing	lose	VERB
fsr-4094	96	22	investments	investment	NOUN
fsr-4094	96	23	too	too	ADV
fsr-4094	96	24	long	long	ADV
fsr-4094	96	25	and	and	CCONJ
fsr-4094	96	26	sell	sell	VERB
fsr-4094	96	27	winning	win	VERB
fsr-4094	96	28	investments	investment	NOUN
fsr-4094	96	29	too	too	ADV
fsr-4094	96	30	early	early	ADV
fsr-4094	96	31	(	(	PUNCT
fsr-4094	96	32	paraboni	paraboni	PROPN
fsr-4094	96	33	&	&	CCONJ
fsr-4094	96	34	da	da	PROPN
fsr-4094	96	35	costa	costa	PROPN
fsr-4094	96	36	,	,	PUNCT
fsr-4094	96	37	2021	2021	NUM
fsr-4094	96	38	)	)	PUNCT
fsr-4094	96	39	.	.	PUNCT
fsr-4094	97	1	relationship	relationship	NOUN
fsr-4094	97	2	between	between	ADP
fsr-4094	97	3	afs	afs	NOUN
fsr-4094	97	4	use	use	NOUN
fsr-4094	97	5	and	and	CCONJ
fsr-4094	97	6	cryptocurrency	cryptocurrency	NOUN
fsr-4094	97	7	to	to	PART
fsr-4094	97	8	discuss	discuss	VERB
fsr-4094	97	9	the	the	DET
fsr-4094	97	10	relationship	relationship	NOUN
fsr-4094	97	11	between	between	ADP
fsr-4094	97	12	the	the	DET
fsr-4094	97	13	use	use	NOUN
fsr-4094	97	14	of	of	ADP
fsr-4094	97	15	afs	afs	NOUN
fsr-4094	97	16	and	and	CCONJ
fsr-4094	97	17	the	the	DET
fsr-4094	97	18	use	use	NOUN
fsr-4094	97	19	of	of	ADP
fsr-4094	97	20	cryptocurrency	cryptocurrency	NOUN
fsr-4094	97	21	in	in	ADP
fsr-4094	97	22	any	any	DET
fsr-4094	97	23	manner	manner	NOUN
fsr-4094	97	24	requires	require	VERB
fsr-4094	97	25	a	a	DET
fsr-4094	97	26	dissection	dissection	NOUN
fsr-4094	97	27	of	of	ADP
fsr-4094	97	28	the	the	DET
fsr-4094	97	29	reasons	reason	NOUN
fsr-4094	97	30	people	people	NOUN
fsr-4094	97	31	use	use	VERB
fsr-4094	97	32	afs	afs	NOUN
fsr-4094	97	33	in	in	ADP
fsr-4094	97	34	the	the	DET
fsr-4094	97	35	first	first	ADJ
fsr-4094	97	36	place	place	NOUN
fsr-4094	97	37	.	.	PUNCT
fsr-4094	98	1	then	then	ADV
fsr-4094	98	2	,	,	PUNCT
fsr-4094	98	3	it	it	PRON
fsr-4094	98	4	is	be	AUX
fsr-4094	98	5	possible	possible	ADJ
fsr-4094	98	6	to	to	PART
fsr-4094	98	7	associate	associate	VERB
fsr-4094	98	8	the	the	DET
fsr-4094	98	9	perceived	perceive	VERB
fsr-4094	98	10	benefits	benefit	NOUN
fsr-4094	98	11	of	of	ADP
fsr-4094	98	12	cryptocurrency	cryptocurrency	NOUN
fsr-4094	98	13	with	with	ADP
fsr-4094	98	14	the	the	DET
fsr-4094	98	15	current	current	ADJ
fsr-4094	98	16	uses	use	NOUN
fsr-4094	98	17	of	of	ADP
fsr-4094	98	18	afs	afs	NOUN
fsr-4094	98	19	.	.	PUNCT
fsr-4094	99	1	traditional	traditional	ADJ
fsr-4094	99	2	financial	financial	ADJ
fsr-4094	99	3	products	product	NOUN
fsr-4094	99	4	and	and	CCONJ
fsr-4094	99	5	services	service	NOUN
fsr-4094	99	6	have	have	VERB
fsr-4094	99	7	several	several	ADJ
fsr-4094	99	8	drawbacks	drawback	NOUN
fsr-4094	99	9	for	for	ADP
fsr-4094	99	10	the	the	DET
fsr-4094	99	11	unbanked	unbanked	ADJ
fsr-4094	99	12	and	and	CCONJ
fsr-4094	99	13	underbanked	underbanked	ADJ
fsr-4094	99	14	,	,	PUNCT
fsr-4094	99	15	making	make	VERB
fsr-4094	99	16	afss	afss	ADJ
fsr-4094	99	17	more	more	ADV
fsr-4094	99	18	attractive	attractive	ADJ
fsr-4094	99	19	.	.	PUNCT
fsr-4094	100	1	first	first	ADV
fsr-4094	100	2	,	,	PUNCT
fsr-4094	100	3	there	there	PRON
fsr-4094	100	4	may	may	AUX
fsr-4094	100	5	not	not	PART
fsr-4094	100	6	be	be	AUX
fsr-4094	100	7	traditional	traditional	ADJ
fsr-4094	100	8	banks	bank	NOUN
fsr-4094	100	9	physically	physically	ADV
fsr-4094	100	10	or	or	CCONJ
fsr-4094	100	11	virtually	virtually	ADV
fsr-4094	100	12	convenient	convenient	ADJ
fsr-4094	100	13	to	to	ADP
fsr-4094	100	14	the	the	DET
fsr-4094	100	15	person	person	NOUN
fsr-4094	100	16	.	.	PUNCT
fsr-4094	101	1	a	a	DET
fsr-4094	101	2	prepaid	prepaid	ADJ
fsr-4094	101	3	debit	debit	NOUN
fsr-4094	101	4	card	card	NOUN
fsr-4094	101	5	can	can	AUX
fsr-4094	101	6	be	be	AUX
fsr-4094	101	7	purchased	purchase	VERB
fsr-4094	101	8	and	and	CCONJ
fsr-4094	101	9	used	use	VERB
fsr-4094	101	10	in	in	ADP
fsr-4094	101	11	many	many	ADJ
fsr-4094	101	12	locations	location	NOUN
fsr-4094	101	13	at	at	ADP
fsr-4094	101	14	many	many	ADJ
fsr-4094	101	15	times	time	NOUN
fsr-4094	101	16	of	of	ADP
fsr-4094	101	17	the	the	DET
fsr-4094	101	18	day	day	NOUN
fsr-4094	101	19	or	or	CCONJ
fsr-4094	101	20	night	night	NOUN
fsr-4094	101	21	,	,	PUNCT
fsr-4094	101	22	if	if	SCONJ
fsr-4094	101	23	not	not	PART
fsr-4094	101	24	constantly	constantly	ADV
fsr-4094	101	25	.	.	PUNCT
fsr-4094	102	1	second	second	ADV
fsr-4094	102	2	,	,	PUNCT
fsr-4094	102	3	the	the	DET
fsr-4094	102	4	person	person	NOUN
fsr-4094	102	5	may	may	AUX
fsr-4094	102	6	not	not	PART
fsr-4094	102	7	be	be	AUX
fsr-4094	102	8	able	able	ADJ
fsr-4094	102	9	to	to	PART
fsr-4094	102	10	carry	carry	VERB
fsr-4094	102	11	the	the	DET
fsr-4094	102	12	minimum	minimum	ADJ
fsr-4094	102	13	balance	balance	NOUN
fsr-4094	102	14	required	require	VERB
fsr-4094	102	15	at	at	ADP
fsr-4094	102	16	a	a	DET
fsr-4094	102	17	bank	bank	NOUN
fsr-4094	102	18	for	for	ADP
fsr-4094	102	19	an	an	DET
fsr-4094	102	20	atm	atm	NOUN
fsr-4094	102	21	/	/	SYM
fsr-4094	102	22	debit	debit	NOUN
fsr-4094	102	23	card	card	NOUN
fsr-4094	102	24	.	.	PUNCT
fsr-4094	103	1	the	the	DET
fsr-4094	103	2	person	person	NOUN
fsr-4094	103	3	can	can	AUX
fsr-4094	103	4	deposit	deposit	VERB
fsr-4094	103	5	to	to	ADP
fsr-4094	103	6	a	a	DET
fsr-4094	103	7	prepaid	prepaid	ADJ
fsr-4094	103	8	card	card	NOUN
fsr-4094	103	9	when	when	SCONJ
fsr-4094	103	10	possible	possible	ADJ
fsr-4094	103	11	and	and	CCONJ
fsr-4094	103	12	carry	carry	VERB
fsr-4094	103	13	a	a	DET
fsr-4094	103	14	zero	zero	NUM
fsr-4094	103	15	balance	balance	NOUN
fsr-4094	103	16	until	until	SCONJ
fsr-4094	103	17	they	they	PRON
fsr-4094	103	18	have	have	VERB
fsr-4094	103	19	cash	cash	NOUN
fsr-4094	103	20	.	.	PUNCT
fsr-4094	104	1	third	third	ADJ
fsr-4094	104	2	,	,	PUNCT
fsr-4094	104	3	the	the	DET
fsr-4094	104	4	traditional	traditional	ADJ
fsr-4094	104	5	payment	payment	NOUN
fsr-4094	104	6	systems	system	NOUN
fsr-4094	104	7	contain	contain	VERB
fsr-4094	104	8	lags	lag	NOUN
fsr-4094	104	9	that	that	PRON
fsr-4094	104	10	inconvenience	inconvenience	VERB
fsr-4094	104	11	those	those	PRON
fsr-4094	104	12	needing	need	VERB
fsr-4094	104	13	immediate	immediate	ADJ
fsr-4094	104	14	access	access	NOUN
fsr-4094	104	15	to	to	ADP
fsr-4094	104	16	their	their	PRON
fsr-4094	104	17	paychecks	paycheck	NOUN
fsr-4094	104	18	,	,	PUNCT
fsr-4094	104	19	thus	thus	ADV
fsr-4094	104	20	check	check	NOUN
fsr-4094	104	21	-	-	PUNCT
fsr-4094	104	22	cashing	cash	VERB
fsr-4094	104	23	services	service	NOUN
fsr-4094	104	24	.	.	PUNCT
fsr-4094	105	1	this	this	PRON
fsr-4094	105	2	is	be	AUX
fsr-4094	105	3	also	also	ADV
fsr-4094	105	4	true	true	ADJ
fsr-4094	105	5	for	for	ADP
fsr-4094	105	6	others	other	NOUN
fsr-4094	105	7	who	who	PRON
fsr-4094	105	8	need	need	VERB
fsr-4094	105	9	money	money	NOUN
fsr-4094	105	10	now	now	ADV
fsr-4094	105	11	but	but	CCONJ
fsr-4094	105	12	will	will	AUX
fsr-4094	105	13	not	not	PART
fsr-4094	105	14	be	be	AUX
fsr-4094	105	15	paid	pay	VERB
fsr-4094	105	16	for	for	ADP
fsr-4094	105	17	work	work	NOUN
fsr-4094	105	18	until	until	ADP
fsr-4094	105	19	next	next	ADJ
fsr-4094	105	20	week	week	NOUN
fsr-4094	105	21	,	,	PUNCT
fsr-4094	105	22	thus	thus	ADV
fsr-4094	105	23	payday	payday	NOUN
fsr-4094	105	24	loans	loan	NOUN
fsr-4094	105	25	.	.	PUNCT
fsr-4094	106	1	waiting	wait	VERB
fsr-4094	106	2	for	for	ADP
fsr-4094	106	3	a	a	DET
fsr-4094	106	4	tax	tax	NOUN
fsr-4094	106	5	refund	refund	NOUN
fsr-4094	106	6	may	may	AUX
fsr-4094	106	7	not	not	PART
fsr-4094	106	8	be	be	AUX
fsr-4094	106	9	acceptable	acceptable	ADJ
fsr-4094	106	10	,	,	PUNCT
fsr-4094	106	11	so	so	CCONJ
fsr-4094	106	12	the	the	DET
fsr-4094	106	13	refund	refund	NOUN
fsr-4094	106	14	anticipation	anticipation	NOUN
fsr-4094	106	15	loan	loan	NOUN
fsr-4094	106	16	scheme	scheme	NOUN
fsr-4094	106	17	exists	exist	VERB
fsr-4094	106	18	.	.	PUNCT
fsr-4094	107	1	it	it	PRON
fsr-4094	107	2	is	be	AUX
fsr-4094	107	3	likely	likely	ADJ
fsr-4094	107	4	that	that	SCONJ
fsr-4094	107	5	except	except	SCONJ
fsr-4094	107	6	for	for	ADP
fsr-4094	107	7	those	those	DET
fsr-4094	107	8	transactions	transaction	NOUN
fsr-4094	107	9	where	where	SCONJ
fsr-4094	107	10	the	the	DET
fsr-4094	107	11	counterparty	counterparty	NOUN
fsr-4094	107	12	requires	require	VERB
fsr-4094	107	13	cryptocurrency	cryptocurrency	NOUN
fsr-4094	107	14	,	,	PUNCT
fsr-4094	107	15	these	these	DET
fsr-4094	107	16	afs	afs	NOUN
fsr-4094	107	17	users	user	NOUN
fsr-4094	107	18	will	will	AUX
fsr-4094	107	19	not	not	PART
fsr-4094	107	20	be	be	AUX
fsr-4094	107	21	cryptocurrency	cryptocurrency	NOUN
fsr-4094	107	22	users	user	NOUN
fsr-4094	107	23	either	either	CCONJ
fsr-4094	107	24	for	for	ADP
fsr-4094	107	25	transactions	transaction	NOUN
fsr-4094	107	26	or	or	CCONJ
fsr-4094	107	27	investments	investment	NOUN
fsr-4094	107	28	.	.	PUNCT
fsr-4094	108	1	they	they	PRON
fsr-4094	108	2	do	do	AUX
fsr-4094	108	3	n’t	not	PART
fsr-4094	108	4	have	have	VERB
fsr-4094	108	5	money	money	NOUN
fsr-4094	108	6	to	to	PART
fsr-4094	108	7	invest	invest	VERB
fsr-4094	108	8	,	,	PUNCT
fsr-4094	108	9	and	and	CCONJ
fsr-4094	108	10	their	their	PRON
fsr-4094	108	11	current	current	ADJ
fsr-4094	108	12	afs	afs	NOUN
fsr-4094	108	13	use	use	NOUN
fsr-4094	108	14	is	be	AUX
fsr-4094	108	15	working	work	VERB
fsr-4094	108	16	for	for	ADP
fsr-4094	108	17	them	they	PRON
fsr-4094	108	18	.	.	PUNCT
fsr-4094	109	1	(	(	PUNCT
fsr-4094	109	2	carmona	carmona	PROPN
fsr-4094	109	3	,	,	PUNCT
fsr-4094	109	4	2022	2022	NUM
fsr-4094	109	5	)	)	PUNCT
fsr-4094	109	6	.	.	PUNCT
fsr-4094	110	1	another	another	DET
fsr-4094	110	2	narrative	narrative	NOUN
fsr-4094	110	3	regarding	regard	VERB
fsr-4094	110	4	afs	afs	NOUN
fsr-4094	110	5	use	use	NOUN
fsr-4094	110	6	is	be	AUX
fsr-4094	110	7	not	not	PART
fsr-4094	110	8	based	base	VERB
fsr-4094	110	9	on	on	ADP
fsr-4094	110	10	inconvenience	inconvenience	NOUN
fsr-4094	110	11	or	or	CCONJ
fsr-4094	110	12	lack	lack	NOUN
fsr-4094	110	13	of	of	ADP
fsr-4094	110	14	wherewithal	wherewithal	NOUN
fsr-4094	110	15	.	.	PUNCT
fsr-4094	111	1	instead	instead	ADV
fsr-4094	111	2	,	,	PUNCT
fsr-4094	111	3	there	there	PRON
fsr-4094	111	4	is	be	VERB
fsr-4094	111	5	a	a	DET
fsr-4094	111	6	cohort	cohort	NOUN
fsr-4094	111	7	that	that	PRON
fsr-4094	111	8	uses	use	VERB
fsr-4094	111	9	afs	afs	NOUN
fsr-4094	111	10	because	because	SCONJ
fsr-4094	111	11	,	,	PUNCT
fsr-4094	111	12	for	for	ADP
fsr-4094	111	13	some	some	PRON
fsr-4094	111	14	,	,	PUNCT
fsr-4094	111	15	many	many	ADJ
fsr-4094	111	16	,	,	PUNCT
fsr-4094	111	17	or	or	CCONJ
fsr-4094	111	18	all	all	DET
fsr-4094	111	19	transactions	transaction	NOUN
fsr-4094	111	20	,	,	PUNCT
fsr-4094	111	21	they	they	PRON
fsr-4094	111	22	do	do	AUX
fsr-4094	111	23	not	not	PART
fsr-4094	111	24	want	want	VERB
fsr-4094	111	25	to	to	PART
fsr-4094	111	26	use	use	VERB
fsr-4094	111	27	traditional	traditional	ADJ
fsr-4094	111	28	providers	provider	NOUN
fsr-4094	111	29	and	and	CCONJ
fsr-4094	111	30	instruments	instrument	NOUN
fsr-4094	111	31	.	.	PUNCT
fsr-4094	112	1	some	some	DET
fsr-4094	112	2	people	people	NOUN
fsr-4094	112	3	do	do	AUX
fsr-4094	112	4	not	not	PART
fsr-4094	112	5	trust	trust	VERB
fsr-4094	112	6	banks	bank	NOUN
fsr-4094	112	7	for	for	ADP
fsr-4094	112	8	various	various	ADJ
fsr-4094	112	9	reasons	reason	NOUN
fsr-4094	112	10	.	.	PUNCT
fsr-4094	113	1	others	other	NOUN
fsr-4094	113	2	may	may	AUX
fsr-4094	113	3	want	want	VERB
fsr-4094	113	4	to	to	PART
fsr-4094	113	5	avoid	avoid	VERB
fsr-4094	113	6	banks	bank	NOUN
fsr-4094	113	7	,	,	PUNCT
fsr-4094	113	8	not	not	PART
fsr-4094	113	9	out	out	ADP
fsr-4094	113	10	of	of	ADP
fsr-4094	113	11	distrust	distrust	NOUN
fsr-4094	113	12	,	,	PUNCT
fsr-4094	113	13	but	but	CCONJ
fsr-4094	113	14	perhaps	perhaps	ADV
fsr-4094	113	15	to	to	PART
fsr-4094	113	16	avoid	avoid	VERB
fsr-4094	113	17	reporting	reporting	NOUN
fsr-4094	113	18	requirements	requirement	NOUN
fsr-4094	113	19	or	or	CCONJ
fsr-4094	113	20	paper	paper	NOUN
fsr-4094	113	21	trails	trail	NOUN
fsr-4094	113	22	.	.	PUNCT
fsr-4094	114	1	cryptocurrency	cryptocurrency	NOUN
fsr-4094	114	2	may	may	AUX
fsr-4094	114	3	be	be	AUX
fsr-4094	114	4	an	an	DET
fsr-4094	114	5	added	add	VERB
fsr-4094	114	6	means	mean	NOUN
fsr-4094	114	7	for	for	ADP
fsr-4094	114	8	transactions	transaction	NOUN
fsr-4094	114	9	and	and	CCONJ
fsr-4094	114	10	investing	invest	VERB
fsr-4094	114	11	in	in	ADP
fsr-4094	114	12	this	this	DET
fsr-4094	114	13	case	case	NOUN
fsr-4094	114	14	due	due	ADP
fsr-4094	114	15	to	to	ADP
fsr-4094	114	16	the	the	DET
fsr-4094	114	17	privacy	privacy	NOUN
fsr-4094	114	18	available	available	ADJ
fsr-4094	114	19	and	and	CCONJ
fsr-4094	114	20	financial	financial	ADJ
fsr-4094	114	21	services	service	NOUN
fsr-4094	114	22	review	review	NOUN
fsr-4094	114	23	,	,	PUNCT
fsr-4094	114	24	33(2	33(2	NUM
fsr-4094	114	25	)	)	PUNCT
fsr-4094	114	26	128	128	NUM
fsr-4094	114	27	perceived	perceive	VERB
fsr-4094	114	28	efficiency	efficiency	NOUN
fsr-4094	114	29	in	in	ADP
fsr-4094	114	30	terms	term	NOUN
fsr-4094	114	31	of	of	ADP
fsr-4094	114	32	speed	speed	NOUN
fsr-4094	114	33	and	and	CCONJ
fsr-4094	114	34	cost	cost	NOUN
fsr-4094	114	35	of	of	ADP
fsr-4094	114	36	the	the	DET
fsr-4094	114	37	transaction	transaction	NOUN
fsr-4094	114	38	.	.	PUNCT
fsr-4094	115	1	investment	investment	NOUN
fsr-4094	115	2	may	may	AUX
fsr-4094	115	3	be	be	AUX
fsr-4094	115	4	due	due	ADJ
fsr-4094	115	5	to	to	ADP
fsr-4094	115	6	either	either	CCONJ
fsr-4094	115	7	intellectually	intellectually	ADV
fsr-4094	115	8	sound	sound	ADJ
fsr-4094	115	9	investment	investment	NOUN
fsr-4094	115	10	allocation	allocation	NOUN
fsr-4094	115	11	purposes	purpose	NOUN
fsr-4094	115	12	or	or	CCONJ
fsr-4094	115	13	speculation	speculation	NOUN
fsr-4094	115	14	aspects	aspect	NOUN
fsr-4094	115	15	that	that	PRON
fsr-4094	115	16	appeal	appeal	VERB
fsr-4094	115	17	to	to	ADP
fsr-4094	115	18	those	those	PRON
fsr-4094	115	19	interested	interested	ADJ
fsr-4094	115	20	in	in	ADP
fsr-4094	115	21	quick	quick	ADJ
fsr-4094	115	22	wealth	wealth	NOUN
fsr-4094	115	23	accumulation	accumulation	NOUN
fsr-4094	115	24	(	(	PUNCT
fsr-4094	115	25	houy	houy	ADV
fsr-4094	115	26	et	et	PROPN
fsr-4094	115	27	al	al	PROPN
fsr-4094	115	28	.	.	PROPN
fsr-4094	115	29	,	,	PUNCT
fsr-4094	115	30	2024	2024	NUM
fsr-4094	115	31	)	)	PUNCT
fsr-4094	115	32	.	.	PUNCT
fsr-4094	116	1	combining	combine	VERB
fsr-4094	116	2	the	the	DET
fsr-4094	116	3	elements	element	NOUN
fsr-4094	116	4	of	of	ADP
fsr-4094	116	5	a	a	DET
fsr-4094	116	6	person	person	NOUN
fsr-4094	116	7	already	already	ADV
fsr-4094	116	8	disposed	dispose	VERB
fsr-4094	116	9	to	to	ADP
fsr-4094	116	10	using	use	VERB
fsr-4094	116	11	afs	afs	NOUN
fsr-4094	116	12	for	for	ADP
fsr-4094	116	13	transactions	transaction	NOUN
fsr-4094	116	14	with	with	ADP
fsr-4094	116	15	the	the	DET
fsr-4094	116	16	potential	potential	ADJ
fsr-4094	116	17	investment	investment	NOUN
fsr-4094	116	18	gains	gain	NOUN
fsr-4094	116	19	,	,	PUNCT
fsr-4094	116	20	it	it	PRON
fsr-4094	116	21	is	be	AUX
fsr-4094	116	22	reasonable	reasonable	ADJ
fsr-4094	116	23	to	to	PART
fsr-4094	116	24	consider	consider	VERB
fsr-4094	116	25	that	that	SCONJ
fsr-4094	116	26	a	a	DET
fsr-4094	116	27	person	person	NOUN
fsr-4094	116	28	would	would	AUX
fsr-4094	116	29	hold	hold	VERB
fsr-4094	116	30	wealth	wealth	NOUN
fsr-4094	116	31	in	in	ADP
fsr-4094	116	32	cryptocurrency	cryptocurrency	NOUN
fsr-4094	116	33	and	and	CCONJ
fsr-4094	116	34	use	use	VERB
fsr-4094	116	35	it	it	PRON
fsr-4094	116	36	as	as	ADP
fsr-4094	116	37	needed	need	VERB
fsr-4094	116	38	as	as	ADP
fsr-4094	116	39	an	an	DET
fsr-4094	116	40	afs	afs	NOUN
fsr-4094	116	41	,	,	PUNCT
fsr-4094	116	42	similar	similar	ADJ
fsr-4094	116	43	to	to	ADP
fsr-4094	116	44	a	a	DET
fsr-4094	116	45	stock	stock	NOUN
fsr-4094	116	46	portfolio	portfolio	NOUN
fsr-4094	116	47	occasionally	occasionally	ADV
fsr-4094	116	48	partially	partially	ADV
fsr-4094	116	49	liquidated	liquidate	VERB
fsr-4094	116	50	into	into	ADP
fsr-4094	116	51	their	their	PRON
fsr-4094	116	52	checking	check	VERB
fsr-4094	116	53	account	account	NOUN
fsr-4094	116	54	for	for	ADP
fsr-4094	116	55	spending	spending	NOUN
fsr-4094	116	56	.	.	PUNCT
fsr-4094	117	1	methods	method	NOUN
fsr-4094	117	2	data	data	VERB
fsr-4094	117	3	this	this	DET
fsr-4094	117	4	paper	paper	NOUN
fsr-4094	117	5	uses	use	VERB
fsr-4094	117	6	data	datum	NOUN
fsr-4094	117	7	from	from	ADP
fsr-4094	117	8	2022	2022	NUM
fsr-4094	117	9	survey	survey	NOUN
fsr-4094	117	10	of	of	ADP
fsr-4094	117	11	household	household	NOUN
fsr-4094	117	12	economics	economic	NOUN
fsr-4094	117	13	and	and	CCONJ
fsr-4094	117	14	decisionmaking	decisionmake	VERB
fsr-4094	117	15	(	(	PUNCT
fsr-4094	117	16	shed	shed	NOUN
fsr-4094	117	17	)	)	PUNCT
fsr-4094	117	18	.	.	PUNCT
fsr-4094	118	1	shed	shed	VERB
fsr-4094	118	2	is	be	AUX
fsr-4094	118	3	a	a	DET
fsr-4094	118	4	nationally	nationally	ADV
fsr-4094	118	5	representative	representative	NOUN
fsr-4094	118	6	,	,	PUNCT
fsr-4094	118	7	when	when	SCONJ
fsr-4094	118	8	properly	properly	ADV
fsr-4094	118	9	weighted	weight	VERB
fsr-4094	118	10	,	,	PUNCT
fsr-4094	118	11	survey	survey	NOUN
fsr-4094	118	12	conducted	conduct	VERB
fsr-4094	118	13	by	by	ADP
fsr-4094	118	14	the	the	DET
fsr-4094	118	15	federal	federal	PROPN
fsr-4094	118	16	reserve	reserve	PROPN
fsr-4094	118	17	board	board	PROPN
fsr-4094	118	18	which	which	PRON
fsr-4094	118	19	measures	measure	VERB
fsr-4094	118	20	the	the	DET
fsr-4094	118	21	economic	economic	ADJ
fsr-4094	118	22	well	well	NOUN
fsr-4094	118	23	-	-	PUNCT
fsr-4094	118	24	being	being	NOUN
fsr-4094	118	25	of	of	ADP
fsr-4094	118	26	u.s	u.s	PROPN
fsr-4094	118	27	.	.	PROPN
fsr-4094	118	28	households	household	NOUN
fsr-4094	118	29	and	and	CCONJ
fsr-4094	118	30	can	can	AUX
fsr-4094	118	31	help	help	AUX
fsr-4094	118	32	identify	identify	VERB
fsr-4094	118	33	potential	potential	ADJ
fsr-4094	118	34	risks	risk	NOUN
fsr-4094	118	35	to	to	ADP
fsr-4094	118	36	their	their	PRON
fsr-4094	118	37	finances	finance	NOUN
fsr-4094	118	38	.	.	PUNCT
fsr-4094	119	1	we	we	PRON
fsr-4094	119	2	used	use	VERB
fsr-4094	119	3	the	the	DET
fsr-4094	119	4	2022	2022	NUM
fsr-4094	119	5	wave	wave	NOUN
fsr-4094	119	6	due	due	ADP
fsr-4094	119	7	to	to	ADP
fsr-4094	119	8	a	a	DET
fsr-4094	119	9	more	more	ADV
fsr-4094	119	10	robust	robust	ADJ
fsr-4094	119	11	set	set	NOUN
fsr-4094	119	12	of	of	ADP
fsr-4094	119	13	questions	question	NOUN
fsr-4094	119	14	surveying	survey	VERB
fsr-4094	119	15	cryptocurrencies	cryptocurrencie	NOUN
fsr-4094	119	16	compared	compare	VERB
fsr-4094	119	17	to	to	ADP
fsr-4094	119	18	older	old	ADJ
fsr-4094	119	19	waves	wave	NOUN
fsr-4094	119	20	of	of	ADP
fsr-4094	119	21	the	the	DET
fsr-4094	119	22	survey	survey	NOUN
fsr-4094	119	23	.	.	PUNCT
fsr-4094	120	1	however	however	ADV
fsr-4094	120	2	,	,	PUNCT
fsr-4094	120	3	this	this	PRON
fsr-4094	120	4	limited	limit	VERB
fsr-4094	120	5	the	the	DET
fsr-4094	120	6	scope	scope	NOUN
fsr-4094	120	7	of	of	ADP
fsr-4094	120	8	the	the	DET
fsr-4094	120	9	survey	survey	NOUN
fsr-4094	120	10	to	to	ADP
fsr-4094	120	11	just	just	ADV
fsr-4094	120	12	a	a	DET
fsr-4094	120	13	crosssection	crosssection	NOUN
fsr-4094	120	14	.	.	PUNCT
fsr-4094	121	1	future	future	ADJ
fsr-4094	121	2	research	research	NOUN
fsr-4094	121	3	would	would	AUX
fsr-4094	121	4	benefit	benefit	VERB
fsr-4094	121	5	from	from	ADP
fsr-4094	121	6	exploring	explore	VERB
fsr-4094	121	7	longitudinal	longitudinal	ADJ
fsr-4094	121	8	data	datum	NOUN
fsr-4094	121	9	spanning	span	VERB
fsr-4094	121	10	several	several	ADJ
fsr-4094	121	11	future	future	ADJ
fsr-4094	121	12	waves	wave	NOUN
fsr-4094	121	13	of	of	ADP
fsr-4094	121	14	shed	shed	NOUN
fsr-4094	121	15	to	to	PART
fsr-4094	121	16	observe	observe	VERB
fsr-4094	121	17	how	how	SCONJ
fsr-4094	121	18	the	the	DET
fsr-4094	121	19	association	association	NOUN
fsr-4094	121	20	of	of	ADP
fsr-4094	121	21	cryptocurrency	cryptocurrency	NOUN
fsr-4094	121	22	adoption	adoption	NOUN
fsr-4094	121	23	is	be	AUX
fsr-4094	121	24	associated	associate	VERB
fsr-4094	121	25	with	with	ADP
fsr-4094	121	26	the	the	DET
fsr-4094	121	27	use	use	NOUN
fsr-4094	121	28	of	of	ADP
fsr-4094	121	29	existing	exist	VERB
fsr-4094	121	30	alternative	alternative	ADJ
fsr-4094	121	31	financial	financial	ADJ
fsr-4094	121	32	services	service	NOUN
fsr-4094	121	33	over	over	ADP
fsr-4094	121	34	time	time	NOUN
fsr-4094	121	35	.	.	PUNCT
fsr-4094	122	1	the	the	DET
fsr-4094	122	2	full	full	ADJ
fsr-4094	122	3	sample	sample	NOUN
fsr-4094	122	4	of	of	ADP
fsr-4094	122	5	the	the	DET
fsr-4094	122	6	2022	2022	NUM
fsr-4094	122	7	survey	survey	NOUN
fsr-4094	122	8	has	have	VERB
fsr-4094	122	9	a	a	DET
fsr-4094	122	10	total	total	NOUN
fsr-4094	122	11	of	of	ADP
fsr-4094	122	12	11,667	11,667	NUM
fsr-4094	122	13	respondents	respondent	NOUN
fsr-4094	122	14	,	,	PUNCT
fsr-4094	122	15	of	of	ADP
fsr-4094	122	16	which	which	PRON
fsr-4094	122	17	our	our	PRON
fsr-4094	122	18	analysis	analysis	NOUN
fsr-4094	122	19	included	include	VERB
fsr-4094	122	20	9,326	9,326	NUM
fsr-4094	122	21	respondents	respondent	NOUN
fsr-4094	122	22	.	.	PUNCT
fsr-4094	123	1	table	table	NOUN
fsr-4094	123	2	1	1	NUM
fsr-4094	123	3	shows	show	VERB
fsr-4094	123	4	the	the	DET
fsr-4094	123	5	summary	summary	NOUN
fsr-4094	123	6	statistics	statistic	NOUN
fsr-4094	123	7	for	for	ADP
fsr-4094	123	8	five	five	NUM
fsr-4094	123	9	demographic	demographic	ADJ
fsr-4094	123	10	control	control	NOUN
fsr-4094	123	11	variables	variable	NOUN
fsr-4094	123	12	for	for	ADP
fsr-4094	123	13	both	both	CCONJ
fsr-4094	123	14	the	the	DET
fsr-4094	123	15	full	full	ADJ
fsr-4094	123	16	sample	sample	NOUN
fsr-4094	123	17	and	and	CCONJ
fsr-4094	123	18	our	our	PRON
fsr-4094	123	19	analysis	analysis	NOUN
fsr-4094	123	20	sample	sample	NOUN
fsr-4094	123	21	.	.	PUNCT
fsr-4094	124	1	a	a	DET
fsr-4094	124	2	two	two	NUM
fsr-4094	124	3	-	-	PUNCT
fsr-4094	124	4	sample	sample	NOUN
fsr-4094	124	5	ttest	ttest	NOUN
fsr-4094	124	6	does	do	AUX
fsr-4094	124	7	show	show	VERB
fsr-4094	124	8	statistically	statistically	ADV
fsr-4094	124	9	significant	significant	ADJ
fsr-4094	124	10	differences	difference	NOUN
fsr-4094	124	11	between	between	ADP
fsr-4094	124	12	our	our	PRON
fsr-4094	124	13	analysis	analysis	NOUN
fsr-4094	124	14	sample	sample	NOUN
fsr-4094	124	15	and	and	CCONJ
fsr-4094	124	16	the	the	DET
fsr-4094	124	17	full	full	ADJ
fsr-4094	124	18	sample	sample	NOUN
fsr-4094	124	19	.	.	PUNCT
fsr-4094	125	1	notably	notably	ADV
fsr-4094	125	2	,	,	PUNCT
fsr-4094	125	3	our	our	PRON
fsr-4094	125	4	analysis	analysis	NOUN
fsr-4094	125	5	sample	sample	NOUN
fsr-4094	125	6	has	have	VERB
fsr-4094	125	7	more	more	ADJ
fsr-4094	125	8	respondents	respondent	NOUN
fsr-4094	125	9	who	who	PRON
fsr-4094	125	10	report	report	VERB
fsr-4094	125	11	being	be	AUX
fsr-4094	125	12	:	:	PUNCT
fsr-4094	125	13	male	male	ADJ
fsr-4094	125	14	,	,	PUNCT
fsr-4094	125	15	married	married	ADJ
fsr-4094	125	16	,	,	PUNCT
fsr-4094	125	17	white	white	ADJ
fsr-4094	125	18	,	,	PUNCT
fsr-4094	125	19	having	have	VERB
fsr-4094	125	20	a	a	DET
fsr-4094	125	21	four	four	NUM
fsr-4094	125	22	-	-	PUNCT
fsr-4094	125	23	year	year	NOUN
fsr-4094	125	24	degree	degree	NOUN
fsr-4094	125	25	,	,	PUNCT
fsr-4094	125	26	and	and	CCONJ
fsr-4094	125	27	an	an	DET
fsr-4094	125	28	older	old	ADJ
fsr-4094	125	29	age	age	NOUN
fsr-4094	125	30	.	.	PUNCT
fsr-4094	126	1	table	table	NOUN
fsr-4094	126	2	1	1	NUM
fsr-4094	126	3	.	.	PUNCT
fsr-4094	127	1	summary	summary	NOUN
fsr-4094	127	2	statistics	statistic	NOUN
fsr-4094	127	3	for	for	ADP
fsr-4094	127	4	2022	2022	NUM
fsr-4094	127	5	survey	survey	NOUN
fsr-4094	127	6	of	of	ADP
fsr-4094	127	7	household	household	NOUN
fsr-4094	127	8	decisionmaking	decisionmaking	NOUN
fsr-4094	127	9	and	and	CCONJ
fsr-4094	127	10	analysis	analysis	NOUN
fsr-4094	127	11	samples	sample	NOUN
fsr-4094	127	12	2022	2022	NUM
fsr-4094	127	13	shed	shed	VERB
fsr-4094	127	14	full	full	ADJ
fsr-4094	127	15	sample	sample	NOUN
fsr-4094	127	16	analysis	analysis	NOUN
fsr-4094	127	17	sample	sample	NOUN
fsr-4094	127	18	mean	mean	NOUN
fsr-4094	127	19	se	se	INTJ
fsr-4094	127	20	mean	mean	VERB
fsr-4094	127	21	se	se	X
fsr-4094	127	22	female	female	PROPN
fsr-4094	127	23	0.4892	0.4892	NUM
fsr-4094	127	24	0.0046	0.0046	NUM
fsr-4094	127	25	0.4700	0.4700	NUM
fsr-4094	127	26	0.0051	0.0051	NUM
fsr-4094	127	27	*	*	PUNCT
fsr-4094	127	28	*	*	PUNCT
fsr-4094	127	29	married	marry	VERB
fsr-4094	127	30	0.5771	0.5771	NUM
fsr-4094	127	31	0.0045	0.0045	NUM
fsr-4094	127	32	0.6047	0.6047	NUM
fsr-4094	128	1	0.0050	0.0050	NUM
fsr-4094	128	2	*	*	PUNCT
fsr-4094	128	3	*	*	PUNCT
fsr-4094	128	4	*	*	PUNCT
fsr-4094	128	5	white	white	ADJ
fsr-4094	128	6	0.6908	0.6908	NUM
fsr-4094	128	7	0.0042	0.0042	NUM
fsr-4094	128	8	0.7066	0.7066	NUM
fsr-4094	128	9	0.0047	0.0047	NUM
fsr-4094	128	10	*	*	PUNCT
fsr-4094	128	11	*	*	SYM
fsr-4094	128	12	four	four	NUM
fsr-4094	128	13	-	-	PUNCT
fsr-4094	128	14	year	year	NOUN
fsr-4094	128	15	degree	degree	NOUN
fsr-4094	128	16	0.4304	0.4304	NUM
fsr-4094	128	17	0.0045	0.0045	NUM
fsr-4094	128	18	0.4529	0.4529	NUM
fsr-4094	128	19	0.0021	0.0021	NUM
fsr-4094	128	20	*	*	PUNCT
fsr-4094	128	21	*	*	PUNCT
fsr-4094	128	22	*	*	VERB
fsr-4094	128	23	age	age	NOUN
fsr-4094	128	24	51.9671	51.9671	NUM
fsr-4094	128	25	0.1626	0.1626	NUM
fsr-4094	128	26	52.823	52.823	NUM
fsr-4094	128	27	0.1772	0.1772	NUM
fsr-4094	128	28	*	*	PUNCT
fsr-4094	128	29	*	*	PUNCT
fsr-4094	128	30	*	*	PUNCT
fsr-4094	128	31	note	note	NOUN
fsr-4094	128	32	:	:	PUNCT
fsr-4094	128	33	n	n	PRON
fsr-4094	128	34	of	of	ADP
fsr-4094	128	35	11,667	11,667	NUM
fsr-4094	128	36	for	for	ADP
fsr-4094	128	37	shed	shed	ADJ
fsr-4094	128	38	sample	sample	NOUN
fsr-4094	128	39	&	&	CCONJ
fsr-4094	128	40	9,326	9,326	NUM
fsr-4094	128	41	for	for	ADP
fsr-4094	128	42	analysis	analysis	NOUN
fsr-4094	128	43	sample	sample	NOUN
fsr-4094	128	44	.	.	PUNCT
fsr-4094	129	1	samples	sample	NOUN
fsr-4094	129	2	are	be	AUX
fsr-4094	129	3	weighted	weight	VERB
fsr-4094	129	4	using	use	VERB
fsr-4094	129	5	weights	weight	NOUN
fsr-4094	129	6	provided	provide	VERB
fsr-4094	129	7	by	by	ADP
fsr-4094	129	8	the	the	DET
fsr-4094	129	9	shed	shed	NOUN
fsr-4094	129	10	.	.	PUNCT
fsr-4094	130	1	two	two	NUM
fsr-4094	130	2	-	-	PUNCT
fsr-4094	130	3	sample	sample	NOUN
fsr-4094	130	4	t	t	NOUN
fsr-4094	130	5	-	-	PUNCT
fsr-4094	130	6	test	test	NOUN
fsr-4094	130	7	:	:	PUNCT
fsr-4094	131	1	*	*	PUNCT
fsr-4094	131	2	*	*	PUNCT
fsr-4094	131	3	denotes	denote	NOUN
fsr-4094	131	4	statistical	statistical	ADJ
fsr-4094	131	5	difference	difference	NOUN
fsr-4094	131	6	from	from	ADP
fsr-4094	131	7	the	the	DET
fsr-4094	131	8	shed	shed	ADJ
fsr-4094	131	9	sample	sample	NOUN
fsr-4094	131	10	mean	mean	VERB
fsr-4094	131	11	at	at	ADP
fsr-4094	131	12	the	the	DET
fsr-4094	131	13	5	5	NUM
fsr-4094	131	14	%	%	NOUN
fsr-4094	131	15	level	level	NOUN
fsr-4094	131	16	of	of	ADP
fsr-4094	131	17	significance	significance	NOUN
fsr-4094	131	18	.	.	PUNCT
fsr-4094	132	1	*	*	PUNCT
fsr-4094	132	2	*	*	PUNCT
fsr-4094	132	3	*	*	PUNCT
fsr-4094	132	4	denotes	denote	NOUN
fsr-4094	132	5	statistical	statistical	ADJ
fsr-4094	132	6	difference	difference	NOUN
fsr-4094	132	7	from	from	ADP
fsr-4094	132	8	the	the	DET
fsr-4094	132	9	shed	shed	ADJ
fsr-4094	132	10	sample	sample	NOUN
fsr-4094	132	11	mean	mean	VERB
fsr-4094	132	12	at	at	ADP
fsr-4094	132	13	the	the	DET
fsr-4094	132	14	1	1	NUM
fsr-4094	132	15	%	%	NOUN
fsr-4094	132	16	level	level	NOUN
fsr-4094	132	17	of	of	ADP
fsr-4094	132	18	significance	significance	NOUN
fsr-4094	132	19	.	.	PUNCT
fsr-4094	133	1	“	"	PUNCT
fsr-4094	133	2	se	se	X
fsr-4094	133	3	”	"	PUNCT
fsr-4094	133	4	denotes	denote	VERB
fsr-4094	133	5	standard	standard	ADJ
fsr-4094	133	6	error	error	NOUN
fsr-4094	133	7	.	.	PUNCT
fsr-4094	134	1	starting	start	VERB
fsr-4094	134	2	with	with	ADP
fsr-4094	134	3	a	a	DET
fsr-4094	134	4	full	full	ADJ
fsr-4094	134	5	sample	sample	NOUN
fsr-4094	134	6	of	of	ADP
fsr-4094	134	7	11,667	11,667	NUM
fsr-4094	134	8	respondents	respondent	NOUN
fsr-4094	134	9	,	,	PUNCT
fsr-4094	134	10	observations	observation	NOUN
fsr-4094	134	11	were	be	AUX
fsr-4094	134	12	dropped	drop	VERB
fsr-4094	134	13	for	for	ADP
fsr-4094	134	14	missing	missing	ADJ
fsr-4094	134	15	or	or	CCONJ
fsr-4094	134	16	incomplete	incomplete	ADJ
fsr-4094	134	17	responses	response	NOUN
fsr-4094	134	18	to	to	PART
fsr-4094	134	19	survey	survey	VERB
fsr-4094	134	20	questions	question	NOUN
fsr-4094	134	21	that	that	PRON
fsr-4094	134	22	were	be	AUX
fsr-4094	134	23	used	use	VERB
fsr-4094	134	24	in	in	ADP
fsr-4094	134	25	the	the	DET
fsr-4094	134	26	model	model	NOUN
fsr-4094	134	27	.	.	PUNCT
fsr-4094	135	1	specifically	specifically	ADV
fsr-4094	135	2	,	,	PUNCT
fsr-4094	135	3	observations	observation	NOUN
fsr-4094	135	4	were	be	AUX
fsr-4094	135	5	dropped	drop	VERB
fsr-4094	135	6	from	from	ADP
fsr-4094	135	7	such	such	ADJ
fsr-4094	135	8	responses	response	NOUN
fsr-4094	135	9	to	to	ADP
fsr-4094	135	10	:	:	PUNCT
fsr-4094	135	11	“	"	PUNCT
fsr-4094	135	12	what	what	PRON
fsr-4094	135	13	is	be	AUX
fsr-4094	135	14	the	the	DET
fsr-4094	135	15	approximate	approximate	ADJ
fsr-4094	135	16	total	total	ADJ
fsr-4094	135	17	amount	amount	NOUN
fsr-4094	135	18	of	of	ADP
fsr-4094	135	19	your	your	PRON
fsr-4094	135	20	household	household	NOUN
fsr-4094	135	21	's	's	PART
fsr-4094	135	22	savings	saving	NOUN
fsr-4094	135	23	and	and	CCONJ
fsr-4094	135	24	investments	investment	NOUN
fsr-4094	135	25	?	?	PUNCT
fsr-4094	135	26	”	"	PUNCT
fsr-4094	136	1	(	(	PUNCT
fsr-4094	136	2	1,841	1,841	NUM
fsr-4094	136	3	dropped	drop	VERB
fsr-4094	136	4	)	)	PUNCT
fsr-4094	136	5	,	,	PUNCT
fsr-4094	136	6	and	and	CCONJ
fsr-4094	136	7	“	"	PUNCT
fsr-4094	136	8	where	where	SCONJ
fsr-4094	136	9	do	do	AUX
fsr-4094	136	10	you	you	PRON
fsr-4094	136	11	think	think	VERB
fsr-4094	136	12	your	your	PRON
fsr-4094	136	13	credit	credit	NOUN
fsr-4094	136	14	score	score	NOUN
fsr-4094	136	15	falls	fall	VERB
fsr-4094	136	16	?	?	PUNCT
fsr-4094	136	17	”	"	PUNCT
fsr-4094	137	1	(	(	PUNCT
fsr-4094	137	2	500	500	NUM
fsr-4094	137	3	dropped	drop	VERB
fsr-4094	137	4	)	)	PUNCT
fsr-4094	137	5	.	.	PUNCT
fsr-4094	138	1	this	this	PRON
fsr-4094	138	2	left	leave	VERB
fsr-4094	138	3	us	we	PRON
fsr-4094	138	4	with	with	ADP
fsr-4094	138	5	an	an	DET
fsr-4094	138	6	analysis	analysis	NOUN
fsr-4094	138	7	sample	sample	NOUN
fsr-4094	138	8	of	of	ADP
fsr-4094	138	9	9,326	9,326	NUM
fsr-4094	138	10	observations	observation	NOUN
fsr-4094	138	11	.	.	PUNCT
fsr-4094	139	1	table	table	NOUN
fsr-4094	139	2	2	2	NUM
fsr-4094	139	3	shows	show	VERB
fsr-4094	139	4	descriptive	descriptive	ADJ
fsr-4094	139	5	statistics	statistic	NOUN
fsr-4094	139	6	for	for	ADP
fsr-4094	139	7	our	our	PRON
fsr-4094	139	8	analysis	analysis	NOUN
fsr-4094	139	9	sample	sample	NOUN
fsr-4094	139	10	.	.	PUNCT
fsr-4094	140	1	in	in	ADP
fsr-4094	140	2	our	our	PRON
fsr-4094	140	3	analysis	analysis	NOUN
fsr-4094	140	4	sample	sample	NOUN
fsr-4094	140	5	,	,	PUNCT
fsr-4094	140	6	only	only	ADV
fsr-4094	140	7	about	about	ADV
fsr-4094	140	8	8.7	8.7	NUM
fsr-4094	140	9	%	%	NOUN
fsr-4094	140	10	,	,	PUNCT
fsr-4094	140	11	811	811	NUM
fsr-4094	140	12	respondents	respondent	NOUN
fsr-4094	140	13	,	,	PUNCT
fsr-4094	140	14	report	report	VERB
fsr-4094	140	15	holding	hold	VERB
fsr-4094	140	16	cryptocurrency	cryptocurrency	NOUN
fsr-4094	140	17	as	as	ADP
fsr-4094	140	18	an	an	DET
fsr-4094	140	19	investment	investment	NOUN
fsr-4094	140	20	.	.	PUNCT
fsr-4094	141	1	while	while	SCONJ
fsr-4094	141	2	about	about	ADV
fsr-4094	141	3	1.4	1.4	NUM
fsr-4094	141	4	%	%	NOUN
fsr-4094	141	5	,	,	PUNCT
fsr-4094	141	6	129	129	NUM
fsr-4094	141	7	respondents	respondent	NOUN
fsr-4094	141	8	,	,	PUNCT
fsr-4094	141	9	report	report	NOUN
fsr-4094	141	10	using	use	VERB
fsr-4094	141	11	cryptocurrency	cryptocurrency	NOUN
fsr-4094	141	12	to	to	PART
fsr-4094	141	13	make	make	VERB
fsr-4094	141	14	a	a	DET
fsr-4094	141	15	purchase	purchase	NOUN
fsr-4094	141	16	and	and	CCONJ
fsr-4094	141	17	about	about	ADV
fsr-4094	141	18	1.3	1.3	NUM
fsr-4094	141	19	%	%	NOUN
fsr-4094	141	20	,	,	PUNCT
fsr-4094	141	21	118	118	NUM
fsr-4094	141	22	respondents	respondent	NOUN
fsr-4094	141	23	,	,	PUNCT
fsr-4094	141	24	report	report	NOUN
fsr-4094	141	25	using	use	VERB
fsr-4094	141	26	cryptocurrency	cryptocurrency	NOUN
fsr-4094	141	27	to	to	PART
fsr-4094	141	28	send	send	VERB
fsr-4094	141	29	money	money	NOUN
fsr-4094	141	30	to	to	ADP
fsr-4094	141	31	friends	friend	NOUN
fsr-4094	141	32	or	or	CCONJ
fsr-4094	141	33	family	family	NOUN
fsr-4094	141	34	.	.	PUNCT
fsr-4094	142	1	these	these	DET
fsr-4094	142	2	numbers	number	NOUN
fsr-4094	142	3	illustrate	illustrate	VERB
fsr-4094	142	4	the	the	DET
fsr-4094	142	5	significant	significant	ADJ
fsr-4094	142	6	difference	difference	NOUN
fsr-4094	142	7	in	in	ADP
fsr-4094	142	8	adoption	adoption	NOUN
fsr-4094	142	9	of	of	ADP
fsr-4094	142	10	cryptocurrency	cryptocurrency	NOUN
fsr-4094	142	11	as	as	ADP
fsr-4094	142	12	an	an	DET
fsr-4094	142	13	alternative	alternative	NOUN
fsr-4094	142	14	to	to	ADP
fsr-4094	142	15	conventional	conventional	ADJ
fsr-4094	142	16	financial	financial	ADJ
fsr-4094	142	17	infrastructure	infrastructure	NOUN
fsr-4094	142	18	.	.	PUNCT
fsr-4094	143	1	about	about	ADV
fsr-4094	143	2	96.6	96.6	NUM
fsr-4094	143	3	%	%	NOUN
fsr-4094	143	4	of	of	ADP
fsr-4094	143	5	respondents	respondent	NOUN
fsr-4094	143	6	report	report	VERB
fsr-4094	143	7	having	have	VERB
fsr-4094	143	8	a	a	DET
fsr-4094	143	9	checking	checking	NOUN
fsr-4094	143	10	/	/	SYM
fsr-4094	143	11	savings/	savings/	NUM
fsr-4094	143	12	or	or	CCONJ
fsr-4094	143	13	money	money	NOUN
fsr-4094	143	14	market	market	NOUN
fsr-4094	143	15	account	account	NOUN
fsr-4094	143	16	.	.	PUNCT
fsr-4094	144	1	however	however	ADV
fsr-4094	144	2	,	,	PUNCT
fsr-4094	144	3	cryptocurrency	cryptocurrency	NOUN
fsr-4094	144	4	adoption	adoption	NOUN
fsr-4094	144	5	seems	seem	VERB
fsr-4094	144	6	to	to	PART
fsr-4094	144	7	be	be	AUX
fsr-4094	144	8	somewhat	somewhat	ADV
fsr-4094	144	9	comparable	comparable	ADJ
fsr-4094	144	10	to	to	ADP
fsr-4094	144	11	other	other	ADJ
fsr-4094	144	12	alternative	alternative	ADJ
fsr-4094	144	13	financial	financial	ADJ
fsr-4094	144	14	services	service	NOUN
fsr-4094	144	15	.	.	PUNCT
fsr-4094	145	1	about	about	ADV
fsr-4094	145	2	7.7	7.7	NUM
fsr-4094	145	3	%	%	NOUN
fsr-4094	145	4	of	of	ADP
fsr-4094	145	5	respondents	respondent	NOUN
fsr-4094	145	6	in	in	ADP
fsr-4094	145	7	our	our	PRON
fsr-4094	145	8	analysis	analysis	NOUN
fsr-4094	145	9	sample	sample	NOUN
fsr-4094	145	10	have	have	AUX
fsr-4094	145	11	purchased	purchase	VERB
fsr-4094	145	12	a	a	DET
fsr-4094	145	13	money	money	NOUN
fsr-4094	145	14	order	order	NOUN
fsr-4094	145	15	from	from	ADP
fsr-4094	145	16	a	a	DET
fsr-4094	145	17	service	service	NOUN
fsr-4094	145	18	provided	provide	VERB
fsr-4094	145	19	that	that	PRON
fsr-4094	145	20	was	be	AUX
fsr-4094	145	21	n’t	not	PART
fsr-4094	145	22	a	a	DET
fsr-4094	145	23	bank	bank	NOUN
fsr-4094	145	24	.	.	PUNCT
fsr-4094	146	1	curnutt	curnutt	PROPN
fsr-4094	146	2	and	and	CCONJ
fsr-4094	146	3	smith	smith	NOUN
fsr-4094	146	4	129	129	NUM
fsr-4094	146	5	about	about	ADV
fsr-4094	146	6	5	5	NUM
fsr-4094	146	7	%	%	NOUN
fsr-4094	146	8	of	of	ADP
fsr-4094	146	9	respondents	respondent	NOUN
fsr-4094	146	10	have	have	AUX
fsr-4094	146	11	cashed	cash	VERB
fsr-4094	146	12	a	a	DET
fsr-4094	146	13	check	check	NOUN
fsr-4094	146	14	from	from	ADP
fsr-4094	146	15	a	a	DET
fsr-4094	146	16	service	service	NOUN
fsr-4094	146	17	provider	provider	NOUN
fsr-4094	146	18	that	that	PRON
fsr-4094	146	19	was	be	AUX
fsr-4094	146	20	n’t	not	PART
fsr-4094	146	21	a	a	DET
fsr-4094	146	22	bank	bank	NOUN
fsr-4094	146	23	.	.	PUNCT
fsr-4094	147	1	about	about	ADV
fsr-4094	147	2	2.2	2.2	NUM
fsr-4094	147	3	%	%	NOUN
fsr-4094	147	4	of	of	ADP
fsr-4094	147	5	respondents	respondent	NOUN
fsr-4094	147	6	have	have	AUX
fsr-4094	147	7	taken	take	VERB
fsr-4094	147	8	out	out	ADP
fsr-4094	147	9	a	a	DET
fsr-4094	147	10	payday	payday	NOUN
fsr-4094	147	11	loan	loan	NOUN
fsr-4094	147	12	,	,	PUNCT
fsr-4094	147	13	about	about	ADV
fsr-4094	147	14	1.6	1.6	NUM
fsr-4094	147	15	%	%	NOUN
fsr-4094	147	16	have	have	AUX
fsr-4094	147	17	taken	take	VERB
fsr-4094	147	18	out	out	ADP
fsr-4094	147	19	a	a	DET
fsr-4094	147	20	pawnshop	pawnshop	NOUN
fsr-4094	147	21	or	or	CCONJ
fsr-4094	147	22	auto	auto	NOUN
fsr-4094	147	23	title	title	NOUN
fsr-4094	147	24	loan	loan	NOUN
fsr-4094	147	25	,	,	PUNCT
fsr-4094	147	26	about	about	ADV
fsr-4094	147	27	0.8	0.8	NUM
fsr-4094	147	28	%	%	NOUN
fsr-4094	147	29	have	have	AUX
fsr-4094	147	30	obtained	obtain	VERB
fsr-4094	147	31	a	a	DET
fsr-4094	147	32	cash	cash	NOUN
fsr-4094	147	33	advance	advance	NOUN
fsr-4094	147	34	on	on	ADP
fsr-4094	147	35	their	their	PRON
fsr-4094	147	36	tax	tax	NOUN
fsr-4094	147	37	-	-	PUNCT
fsr-4094	147	38	refund	refund	NOUN
fsr-4094	147	39	and	and	CCONJ
fsr-4094	147	40	about	about	ADV
fsr-4094	147	41	9.6	9.6	NUM
fsr-4094	147	42	%	%	NOUN
fsr-4094	147	43	have	have	AUX
fsr-4094	147	44	paid	pay	VERB
fsr-4094	147	45	an	an	DET
fsr-4094	147	46	overdraft	overdraft	NOUN
fsr-4094	147	47	fee	fee	NOUN
fsr-4094	147	48	on	on	ADP
fsr-4094	147	49	a	a	DET
fsr-4094	147	50	bank	bank	NOUN
fsr-4094	147	51	account	account	NOUN
fsr-4094	147	52	.	.	PUNCT
fsr-4094	148	1	appendix	appendix	VERB
fsr-4094	148	2	a	a	DET
fsr-4094	148	3	contains	contain	VERB
fsr-4094	148	4	a	a	DET
fsr-4094	148	5	table	table	NOUN
fsr-4094	148	6	detailing	detail	VERB
fsr-4094	148	7	each	each	DET
fsr-4094	148	8	variable	variable	NOUN
fsr-4094	148	9	and	and	CCONJ
fsr-4094	148	10	how	how	SCONJ
fsr-4094	148	11	they	they	PRON
fsr-4094	148	12	were	be	AUX
fsr-4094	148	13	constructed	construct	VERB
fsr-4094	148	14	.	.	PUNCT
fsr-4094	149	1	table	table	NOUN
fsr-4094	149	2	2	2	NUM
fsr-4094	149	3	.	.	PUNCT
fsr-4094	149	4	descriptive	descriptive	ADJ
fsr-4094	149	5	statistics	statistic	NOUN
fsr-4094	149	6	of	of	ADP
fsr-4094	149	7	explanatory	explanatory	ADJ
fsr-4094	149	8	variables	variable	NOUN
fsr-4094	149	9	analysis	analysis	NOUN
fsr-4094	149	10	samples	sample	NOUN
fsr-4094	149	11	mean	mean	VERB
fsr-4094	149	12	se	se	PROPN
fsr-4094	149	13	bought	buy	VERB
fsr-4094	149	14	or	or	CCONJ
fsr-4094	149	15	held	hold	VERB
fsr-4094	149	16	cryptocurrency	cryptocurrency	NOUN
fsr-4094	149	17	as	as	ADP
fsr-4094	149	18	an	an	DET
fsr-4094	149	19	investment	investment	NOUN
fsr-4094	149	20	0.08696	0.08696	NUM
fsr-4094	149	21	0.0029	0.0029	NUM
fsr-4094	149	22	used	use	VERB
fsr-4094	149	23	cryptocurrency	cryptocurrency	NOUN
fsr-4094	149	24	to	to	PART
fsr-4094	149	25	make	make	VERB
fsr-4094	149	26	a	a	DET
fsr-4094	149	27	purchase	purchase	NOUN
fsr-4094	149	28	0.0138	0.0138	NUM
fsr-4094	149	29	0.0012	0.0012	NUM
fsr-4094	149	30	used	use	VERB
fsr-4094	149	31	cryptocurrency	cryptocurrency	NOUN
fsr-4094	149	32	to	to	PART
fsr-4094	149	33	send	send	VERB
fsr-4094	149	34	money	money	NOUN
fsr-4094	149	35	0.0127	0.0127	NUM
fsr-4094	149	36	0.0012	0.0012	NUM
fsr-4094	149	37	has	have	AUX
fsr-4094	149	38	a	a	DET
fsr-4094	149	39	checking	checking	NOUN
fsr-4094	149	40	/	/	SYM
fsr-4094	149	41	savings	saving	NOUN
fsr-4094	149	42	/	/	SYM
fsr-4094	149	43	money	money	NOUN
fsr-4094	149	44	market	market	NOUN
fsr-4094	149	45	account	account	VERB
fsr-4094	149	46	0.9661	0.9661	NUM
fsr-4094	149	47	0.0019	0.0019	NUM
fsr-4094	149	48	purchased	purchase	VERB
fsr-4094	149	49	money	money	NOUN
fsr-4094	149	50	order	order	NOUN
fsr-4094	149	51	outside	outside	ADP
fsr-4094	149	52	of	of	ADP
fsr-4094	149	53	bank	bank	NOUN
fsr-4094	149	54	0.0772	0.0772	NUM
fsr-4094	149	55	0.0028	0.0028	NUM
fsr-4094	149	56	cashed	cash	VERB
fsr-4094	149	57	check	check	NOUN
fsr-4094	149	58	outside	outside	ADP
fsr-4094	149	59	of	of	ADP
fsr-4094	149	60	bank	bank	PROPN
fsr-4094	149	61	0.0507	0.0507	NUM
fsr-4094	149	62	0.0023	0.0023	NUM
fsr-4094	149	63	taken	take	VERB
fsr-4094	149	64	out	out	ADP
fsr-4094	149	65	a	a	DET
fsr-4094	149	66	payday	payday	NOUN
fsr-4094	149	67	loan	loan	NOUN
fsr-4094	149	68	0.0216	0.0216	NUM
fsr-4094	149	69	0.0015	0.0015	NUM
fsr-4094	149	70	taken	take	VERB
fsr-4094	149	71	out	out	ADP
fsr-4094	149	72	a	a	DET
fsr-4094	149	73	pawnshop	pawnshop	NOUN
fsr-4094	149	74	/	/	SYM
fsr-4094	149	75	title	title	NOUN
fsr-4094	149	76	loan	loan	NOUN
fsr-4094	149	77	0.0157	0.0157	NUM
fsr-4094	149	78	0.0013	0.0013	NUM
fsr-4094	149	79	obtained	obtain	VERB
fsr-4094	149	80	a	a	DET
fsr-4094	149	81	tax	tax	NOUN
fsr-4094	149	82	refund	refund	NOUN
fsr-4094	149	83	advance	advance	NOUN
fsr-4094	149	84	0.0080	0.0080	NUM
fsr-4094	149	85	0.0009	0.0009	NUM
fsr-4094	149	86	paid	pay	VERB
fsr-4094	149	87	an	an	DET
fsr-4094	149	88	overdraft	overdraft	NOUN
fsr-4094	149	89	fee	fee	NOUN
fsr-4094	149	90	on	on	ADP
fsr-4094	149	91	a	a	DET
fsr-4094	149	92	bank	bank	NOUN
fsr-4094	149	93	account	account	NOUN
fsr-4094	149	94	0.0959	0.0959	NUM
fsr-4094	150	1	0.0031	0.0031	NUM
fsr-4094	150	2	willing	willing	ADJ
fsr-4094	150	3	to	to	PART
fsr-4094	150	4	take	take	VERB
fsr-4094	150	5	financial	financial	ADJ
fsr-4094	150	6	risk	risk	NOUN
fsr-4094	150	7	0	0	NUM
fsr-4094	150	8	not	not	PART
fsr-4094	150	9	at	at	ADV
fsr-4094	150	10	all	all	PRON
fsr-4094	150	11	0.1629	0.1629	NUM
fsr-4094	150	12	0.0038	0.0038	NUM
fsr-4094	150	13	1	1	NUM
fsr-4094	150	14	0.0587	0.0587	NUM
fsr-4094	150	15	0.0024	0.0024	NUM
fsr-4094	150	16	2	2	NUM
fsr-4094	150	17	0.0833	0.0833	NUM
fsr-4094	150	18	0.0029	0.0029	NUM
fsr-4094	150	19	3	3	NUM
fsr-4094	150	20	0.1092	0.1092	NUM
fsr-4094	150	21	0.0032	0.0032	NUM
fsr-4094	150	22	4	4	NUM
fsr-4094	150	23	0.0937	0.0937	NUM
fsr-4094	150	24	0.0030	0.0030	NUM
fsr-4094	150	25	5	5	NUM
fsr-4094	150	26	0.1855	0.1855	NUM
fsr-4094	150	27	0.0040	0.0040	NUM
fsr-4094	150	28	6	6	NUM
fsr-4094	150	29	0.1047	0.1047	NUM
fsr-4094	150	30	0.0032	0.0032	NUM
fsr-4094	150	31	7	7	NUM
fsr-4094	150	32	0.1079	0.1079	NUM
fsr-4094	150	33	0.0032	0.0032	NUM
fsr-4094	150	34	8	8	NUM
fsr-4094	150	35	0.0579	0.0579	NUM
fsr-4094	150	36	0.0024	0.0024	NUM
fsr-4094	150	37	9	9	NUM
fsr-4094	150	38	0.0123	0.0123	NUM
fsr-4094	150	39	0.0011	0.0011	NUM
fsr-4094	150	40	10	10	NUM
fsr-4094	150	41	–	–	PUNCT
fsr-4094	150	42	very	very	ADV
fsr-4094	150	43	willing	willing	ADJ
fsr-4094	150	44	0.0240	0.0240	NUM
fsr-4094	150	45	0.0015	0.0015	NUM
fsr-4094	150	46	race	race	NOUN
fsr-4094	150	47	/	/	SYM
fsr-4094	150	48	ethnicity	ethnicity	NOUN
fsr-4094	150	49	white	white	ADJ
fsr-4094	150	50	,	,	PUNCT
fsr-4094	150	51	non	non	ADJ
fsr-4094	150	52	-	-	ADJ
fsr-4094	150	53	hispanic	hispanic	ADJ
fsr-4094	150	54	0.7066	0.7066	NUM
fsr-4094	150	55	0.0047	0.0047	NUM
fsr-4094	150	56	black	black	ADJ
fsr-4094	150	57	,	,	PUNCT
fsr-4094	150	58	non	non	ADJ
fsr-4094	150	59	-	-	ADJ
fsr-4094	150	60	hispanic	hispanic	ADJ
fsr-4094	150	61	0.0986	0.0986	PROPN
fsr-4094	150	62	0.0031	0.0031	NUM
fsr-4094	150	63	other	other	ADJ
fsr-4094	150	64	,	,	PUNCT
fsr-4094	150	65	non	non	ADJ
fsr-4094	150	66	-	-	ADJ
fsr-4094	150	67	hispanic	hispanic	ADJ
fsr-4094	150	68	0.0455	0.0455	NUM
fsr-4094	150	69	0.0022	0.0022	NUM
fsr-4094	150	70	hispanic	hispanic	NOUN
fsr-4094	150	71	0.1189	0.1189	NUM
fsr-4094	150	72	0.0033	0.0033	NUM
fsr-4094	150	73	two	two	NUM
fsr-4094	150	74	or	or	CCONJ
fsr-4094	150	75	more	more	ADJ
fsr-4094	150	76	races	race	NOUN
fsr-4094	150	77	,	,	PUNCT
fsr-4094	150	78	non	non	ADJ
fsr-4094	150	79	-	-	ADJ
fsr-4094	150	80	hispanic	hispanic	ADJ
fsr-4094	150	81	0.0303	0.0303	NUM
fsr-4094	150	82	0.0018	0.0018	NUM
fsr-4094	150	83	female	female	ADJ
fsr-4094	150	84	0.4701	0.4701	NUM
fsr-4094	150	85	0.0052	0.0052	NUM
fsr-4094	150	86	married	marry	VERB
fsr-4094	150	87	0.6048	0.6048	NUM
fsr-4094	150	88	0.0051	0.0051	NUM
fsr-4094	150	89	total	total	ADJ
fsr-4094	150	90	savings	saving	NOUN
fsr-4094	150	91	&	&	CCONJ
fsr-4094	150	92	investments	investments	PROPN
fsr-4094	150	93	financial	financial	PROPN
fsr-4094	150	94	services	service	NOUN
fsr-4094	150	95	review	review	NOUN
fsr-4094	150	96	,	,	PUNCT
fsr-4094	150	97	33(2	33(2	NUM
fsr-4094	150	98	)	)	PUNCT
fsr-4094	150	99	130	130	NUM
fsr-4094	150	100	under	under	ADP
fsr-4094	150	101	$	$	SYM
fsr-4094	150	102	50,000	50,000	NUM
fsr-4094	150	103	0.4175	0.4175	NUM
fsr-4094	150	104	0.0051	0.0051	NUM
fsr-4094	150	105	$	$	SYM
fsr-4094	150	106	50,000	50,000	NUM
fsr-4094	150	107	$	$	SYM
fsr-4094	150	108	99,999	99,999	NUM
fsr-4094	150	109	0.1284	0.1284	NUM
fsr-4094	150	110	0.0035	0.0035	NUM
fsr-4094	150	111	$	$	SYM
fsr-4094	150	112	100,000	100,000	NUM
fsr-4094	150	113	$	$	SYM
fsr-4094	150	114	249,999	249,999	NUM
fsr-4094	150	115	0.1403	0.1403	NUM
fsr-4094	150	116	0.0036	0.0036	NUM
fsr-4094	150	117	$	$	SYM
fsr-4094	150	118	250,000	250,000	NUM
fsr-4094	150	119	$	$	SYM
fsr-4094	150	120	499,999	499,999	NUM
fsr-4094	150	121	0.1050	0.1050	NUM
fsr-4094	150	122	0.0032	0.0032	NUM
fsr-4094	150	123	$	$	SYM
fsr-4094	150	124	500,000	500,000	NUM
fsr-4094	150	125	$	$	SYM
fsr-4094	150	126	999,999	999,999	NUM
fsr-4094	150	127	0.0967	0.0967	NUM
fsr-4094	150	128	0.0031	0.0031	NUM
fsr-4094	150	129	$	$	SYM
fsr-4094	150	130	1,000,000	1,000,000	NUM
fsr-4094	150	131	or	or	CCONJ
fsr-4094	150	132	more	more	ADJ
fsr-4094	150	133	0.1122	0.1122	NUM
fsr-4094	150	134	0.0033	0.0033	NUM
fsr-4094	150	135	where	where	SCONJ
fsr-4094	150	136	do	do	AUX
fsr-4094	150	137	you	you	PRON
fsr-4094	150	138	think	think	VERB
fsr-4094	150	139	your	your	PRON
fsr-4094	150	140	credit	credit	NOUN
fsr-4094	150	141	score	score	NOUN
fsr-4094	150	142	falls	fall	VERB
fsr-4094	150	143	?	?	PUNCT
fsr-4094	151	1	very	very	ADV
fsr-4094	151	2	poor	poor	ADJ
fsr-4094	151	3	0.0272	0.0272	NUM
fsr-4094	151	4	0.0017	0.0017	NUM
fsr-4094	151	5	poor	poor	ADJ
fsr-4094	151	6	0.0454	0.0454	NUM
fsr-4094	151	7	0.0022	0.0022	NUM
fsr-4094	151	8	fair	fair	ADJ
fsr-4094	151	9	0.1067	0.1067	NUM
fsr-4094	151	10	0.0032	0.0032	NUM
fsr-4094	151	11	good	good	ADJ
fsr-4094	151	12	0.2351	0.2351	NOUN
fsr-4094	151	13	0.0042	0.0042	NUM
fsr-4094	151	14	excellent	excellent	ADJ
fsr-4094	151	15	0.5856	0.5856	NUM
fsr-4094	151	16	0.0051	0.0051	NUM
fsr-4094	151	17	educational	educational	ADJ
fsr-4094	151	18	attainment	attainment	NOUN
fsr-4094	151	19	less	less	ADJ
fsr-4094	151	20	than	than	ADP
fsr-4094	151	21	high	high	ADJ
fsr-4094	151	22	school	school	NOUN
fsr-4094	151	23	0.0390	0.0390	NUM
fsr-4094	151	24	0.0019	0.0019	NUM
fsr-4094	151	25	high	high	ADJ
fsr-4094	151	26	school	school	NOUN
fsr-4094	151	27	diploma	diploma	NOUN
fsr-4094	151	28	0.1885	0.1885	NUM
fsr-4094	151	29	0.0039	0.0039	NUM
fsr-4094	151	30	some	some	DET
fsr-4094	151	31	college	college	NOUN
fsr-4094	151	32	0.3195	0.3195	NUM
fsr-4094	151	33	0.0047	0.0047	NUM
fsr-4094	151	34	bachelor	bachelor	NOUN
fsr-4094	151	35	's	's	PART
fsr-4094	151	36	degree	degree	NOUN
fsr-4094	151	37	0.4529	0.4529	NUM
fsr-4094	151	38	0.0051	0.0051	NUM
fsr-4094	151	39	report	report	NOUN
fsr-4094	151	40	at	at	ADP
fsr-4094	151	41	doing	do	VERB
fsr-4094	151	42	least	least	ADJ
fsr-4094	151	43	okay	okay	ADV
fsr-4094	151	44	financially	financially	ADV
fsr-4094	151	45	0.7596	0.7596	NUM
fsr-4094	151	46	0.0044	0.0044	NUM
fsr-4094	151	47	number	number	NOUN
fsr-4094	151	48	of	of	ADP
fsr-4094	151	49	financial	financial	ADJ
fsr-4094	151	50	literacy	literacy	NOUN
fsr-4094	151	51	questions	question	NOUN
fsr-4094	151	52	answered	answer	VERB
fsr-4094	151	53	correctly	correctly	ADV
fsr-4094	151	54	0	0	NUM
fsr-4094	151	55	0.0714	0.0714	NUM
fsr-4094	151	56	0.0027	0.0027	NUM
fsr-4094	151	57	1	1	NUM
fsr-4094	151	58	0.1327	0.1327	NUM
fsr-4094	151	59	0.0035	0.0035	NUM
fsr-4094	151	60	2	2	NUM
fsr-4094	151	61	0.2630	0.2630	NUM
fsr-4094	151	62	0.0046	0.0046	NUM
fsr-4094	151	63	3	3	NUM
fsr-4094	151	64	0.5328	0.5328	NUM
fsr-4094	151	65	0.0052	0.0052	NUM
fsr-4094	151	66	employed	employ	VERB
fsr-4094	151	67	0.6262	0.6262	NUM
fsr-4094	151	68	0.0050	0.0050	NUM
fsr-4094	151	69	age	age	NOUN
fsr-4094	151	70	52.8235	52.8235	NUM
fsr-4094	151	71	0.1771	0.1771	NUM
fsr-4094	151	72	note	note	NOUN
fsr-4094	151	73	:	:	PUNCT
fsr-4094	151	74	n	n	X
fsr-4094	151	75	of	of	ADP
fsr-4094	151	76	9,326	9,326	NUM
fsr-4094	151	77	.	.	PUNCT
fsr-4094	152	1	sample	sample	NOUN
fsr-4094	152	2	is	be	AUX
fsr-4094	152	3	weighted	weight	VERB
fsr-4094	152	4	using	use	VERB
fsr-4094	152	5	weights	weight	NOUN
fsr-4094	152	6	provided	provide	VERB
fsr-4094	152	7	by	by	ADP
fsr-4094	152	8	the	the	DET
fsr-4094	152	9	2022	2022	NUM
fsr-4094	152	10	survey	survey	NOUN
fsr-4094	152	11	of	of	ADP
fsr-4094	152	12	household	household	NOUN
fsr-4094	152	13	decision	decision	NOUN
fsr-4094	152	14	making	making	NOUN
fsr-4094	152	15	.	.	PUNCT
fsr-4094	153	1	“	"	PUNCT
fsr-4094	153	2	se	se	X
fsr-4094	153	3	”	"	PUNCT
fsr-4094	153	4	denotes	denote	VERB
fsr-4094	153	5	standard	standard	ADJ
fsr-4094	153	6	error	error	NOUN
fsr-4094	153	7	.	.	PUNCT
fsr-4094	154	1	dependent	dependent	ADJ
fsr-4094	154	2	variables	variable	NOUN
fsr-4094	154	3	the	the	DET
fsr-4094	154	4	dependent	dependent	ADJ
fsr-4094	154	5	variables	variable	NOUN
fsr-4094	154	6	used	use	VERB
fsr-4094	154	7	in	in	ADP
fsr-4094	154	8	our	our	PRON
fsr-4094	154	9	model	model	NOUN
fsr-4094	154	10	are	be	AUX
fsr-4094	154	11	variables	variable	NOUN
fsr-4094	154	12	that	that	PRON
fsr-4094	154	13	ask	ask	VERB
fsr-4094	154	14	the	the	DET
fsr-4094	154	15	respondent	respondent	NOUN
fsr-4094	154	16	about	about	ADP
fsr-4094	154	17	their	their	PRON
fsr-4094	154	18	use	use	NOUN
fsr-4094	154	19	or	or	CCONJ
fsr-4094	154	20	ownership	ownership	NOUN
fsr-4094	154	21	of	of	ADP
fsr-4094	154	22	cryptocurrency	cryptocurrency	NOUN
fsr-4094	154	23	in	in	ADP
fsr-4094	154	24	the	the	DET
fsr-4094	154	25	previous	previous	ADJ
fsr-4094	154	26	twelve	twelve	NUM
fsr-4094	154	27	months	month	NOUN
fsr-4094	154	28	.	.	PUNCT
fsr-4094	155	1	first	first	ADV
fsr-4094	155	2	,	,	PUNCT
fsr-4094	155	3	survey	survey	NOUN
fsr-4094	155	4	question	question	NOUN
fsr-4094	155	5	“	"	PUNCT
fsr-4094	155	6	s16_a	s16_a	NOUN
fsr-4094	155	7	”	"	PUNCT
fsr-4094	155	8	is	be	AUX
fsr-4094	155	9	a	a	DET
fsr-4094	155	10	dichotomous	dichotomous	ADJ
fsr-4094	155	11	variable	variable	NOUN
fsr-4094	155	12	that	that	PRON
fsr-4094	155	13	asks	ask	VERB
fsr-4094	155	14	the	the	DET
fsr-4094	155	15	question	question	NOUN
fsr-4094	155	16	,	,	PUNCT
fsr-4094	155	17	“	"	PUNCT
fsr-4094	155	18	in	in	ADP
fsr-4094	155	19	the	the	DET
fsr-4094	155	20	past	past	ADJ
fsr-4094	155	21	year	year	NOUN
fsr-4094	155	22	,	,	PUNCT
fsr-4094	155	23	have	have	AUX
fsr-4094	155	24	you	you	PRON
fsr-4094	155	25	done	do	VERB
fsr-4094	155	26	the	the	DET
fsr-4094	155	27	following	following	NOUN
fsr-4094	155	28	with	with	ADP
fsr-4094	155	29	cryptocurrency	cryptocurrency	NOUN
fsr-4094	155	30	,	,	PUNCT
fsr-4094	155	31	such	such	ADJ
fsr-4094	155	32	as	as	ADP
fsr-4094	155	33	bitcoin	bitcoin	NOUN
fsr-4094	155	34	or	or	CCONJ
fsr-4094	155	35	ethereum	ethereum	NOUN
fsr-4094	155	36	?	?	PUNCT
fsr-4094	156	1	(	(	PUNCT
fsr-4094	156	2	bought	buy	VERB
fsr-4094	156	3	or	or	CCONJ
fsr-4094	156	4	held	hold	VERB
fsr-4094	156	5	as	as	ADP
fsr-4094	156	6	an	an	DET
fsr-4094	156	7	investment	investment	NOUN
fsr-4094	156	8	.	.	PUNCT
fsr-4094	156	9	)	)	PUNCT
fsr-4094	156	10	”	"	PUNCT
fsr-4094	157	1	responses	response	NOUN
fsr-4094	157	2	of	of	ADP
fsr-4094	157	3	yes	yes	INTJ
fsr-4094	157	4	are	be	AUX
fsr-4094	157	5	coded	code	VERB
fsr-4094	157	6	as	as	ADP
fsr-4094	157	7	a	a	DET
fsr-4094	157	8	1	1	NUM
fsr-4094	157	9	,	,	PUNCT
fsr-4094	157	10	while	while	SCONJ
fsr-4094	157	11	responses	response	NOUN
fsr-4094	157	12	of	of	ADP
fsr-4094	157	13	“	"	PUNCT
fsr-4094	157	14	no	no	INTJ
fsr-4094	157	15	”	"	PUNCT
fsr-4094	157	16	are	be	AUX
fsr-4094	157	17	coded	code	VERB
fsr-4094	157	18	as	as	ADP
fsr-4094	157	19	a	a	DET
fsr-4094	157	20	0	0	NUM
fsr-4094	157	21	.	.	PUNCT
fsr-4094	158	1	our	our	PRON
fsr-4094	158	2	second	second	ADJ
fsr-4094	158	3	dependent	dependent	ADJ
fsr-4094	158	4	variable	variable	NOUN
fsr-4094	158	5	is	be	AUX
fsr-4094	158	6	survey	survey	NOUN
fsr-4094	158	7	question	question	NOUN
fsr-4094	158	8	“	"	PUNCT
fsr-4094	158	9	s16_b	s16_b	PROPN
fsr-4094	158	10	”	"	PUNCT
fsr-4094	158	11	which	which	PRON
fsr-4094	158	12	asks	ask	VERB
fsr-4094	158	13	,	,	PUNCT
fsr-4094	158	14	“	"	PUNCT
fsr-4094	158	15	in	in	ADP
fsr-4094	158	16	the	the	DET
fsr-4094	158	17	past	past	ADJ
fsr-4094	158	18	year	year	NOUN
fsr-4094	158	19	,	,	PUNCT
fsr-4094	158	20	have	have	AUX
fsr-4094	158	21	you	you	PRON
fsr-4094	158	22	done	do	VERB
fsr-4094	158	23	the	the	DET
fsr-4094	158	24	following	following	NOUN
fsr-4094	158	25	with	with	ADP
fsr-4094	158	26	cryptocurrency	cryptocurrency	NOUN
fsr-4094	158	27	,	,	PUNCT
fsr-4094	158	28	such	such	ADJ
fsr-4094	158	29	as	as	ADP
fsr-4094	158	30	bitcoin	bitcoin	NOUN
fsr-4094	158	31	or	or	CCONJ
fsr-4094	158	32	ethereum	ethereum	NOUN
fsr-4094	158	33	?	?	PUNCT
fsr-4094	159	1	(	(	PUNCT
fsr-4094	159	2	used	use	VERB
fsr-4094	159	3	to	to	PART
fsr-4094	159	4	buy	buy	VERB
fsr-4094	159	5	something	something	PRON
fsr-4094	159	6	or	or	CCONJ
fsr-4094	159	7	make	make	VERB
fsr-4094	159	8	a	a	DET
fsr-4094	159	9	payment	payment	NOUN
fsr-4094	159	10	.	.	PUNCT
fsr-4094	159	11	)	)	PUNCT
fsr-4094	159	12	”	"	PUNCT
fsr-4094	159	13	responses	response	NOUN
fsr-4094	159	14	of	of	ADP
fsr-4094	159	15	yes	yes	INTJ
fsr-4094	159	16	are	be	AUX
fsr-4094	159	17	coded	code	VERB
fsr-4094	159	18	as	as	ADP
fsr-4094	159	19	a	a	DET
fsr-4094	159	20	1	1	NUM
fsr-4094	159	21	,	,	PUNCT
fsr-4094	159	22	while	while	SCONJ
fsr-4094	159	23	responses	response	NOUN
fsr-4094	159	24	of	of	ADP
fsr-4094	159	25	“	"	PUNCT
fsr-4094	159	26	no	no	INTJ
fsr-4094	159	27	”	"	PUNCT
fsr-4094	159	28	are	be	AUX
fsr-4094	159	29	coded	code	VERB
fsr-4094	159	30	as	as	ADP
fsr-4094	159	31	a	a	DET
fsr-4094	159	32	0	0	NUM
fsr-4094	159	33	.	.	PUNCT
fsr-4094	160	1	our	our	PRON
fsr-4094	160	2	final	final	ADJ
fsr-4094	160	3	dependent	dependent	ADJ
fsr-4094	160	4	variable	variable	NOUN
fsr-4094	160	5	is	be	AUX
fsr-4094	160	6	survey	survey	NOUN
fsr-4094	160	7	question	question	NOUN
fsr-4094	160	8	“	"	PUNCT
fsr-4094	160	9	s16_c	s16_c	PROPN
fsr-4094	160	10	”	"	PUNCT
fsr-4094	160	11	which	which	PRON
fsr-4094	160	12	asks	ask	VERB
fsr-4094	160	13	,	,	PUNCT
fsr-4094	160	14	“	"	PUNCT
fsr-4094	160	15	in	in	ADP
fsr-4094	160	16	the	the	DET
fsr-4094	160	17	past	past	ADJ
fsr-4094	160	18	year	year	NOUN
fsr-4094	160	19	,	,	PUNCT
fsr-4094	160	20	have	have	AUX
fsr-4094	160	21	you	you	PRON
fsr-4094	160	22	done	do	VERB
fsr-4094	160	23	the	the	DET
fsr-4094	160	24	following	following	NOUN
fsr-4094	160	25	with	with	ADP
fsr-4094	160	26	cryptocurrency	cryptocurrency	NOUN
fsr-4094	160	27	,	,	PUNCT
fsr-4094	160	28	such	such	ADJ
fsr-4094	160	29	as	as	ADP
fsr-4094	160	30	bitcoin	bitcoin	NOUN
fsr-4094	160	31	or	or	CCONJ
fsr-4094	160	32	ethereum	ethereum	NOUN
fsr-4094	160	33	?	?	PUNCT
fsr-4094	161	1	(	(	PUNCT
fsr-4094	161	2	used	use	VERB
fsr-4094	161	3	to	to	PART
fsr-4094	161	4	send	send	VERB
fsr-4094	161	5	money	money	NOUN
fsr-4094	161	6	to	to	ADP
fsr-4094	161	7	friends	friend	NOUN
fsr-4094	161	8	or	or	CCONJ
fsr-4094	161	9	family	family	NOUN
fsr-4094	161	10	.	.	PUNCT
fsr-4094	161	11	)	)	PUNCT
fsr-4094	161	12	”	"	PUNCT
fsr-4094	162	1	likewise	likewise	ADV
fsr-4094	162	2	,	,	PUNCT
fsr-4094	162	3	responses	response	NOUN
fsr-4094	162	4	of	of	ADP
fsr-4094	162	5	yes	yes	INTJ
fsr-4094	162	6	are	be	AUX
fsr-4094	162	7	coded	code	VERB
fsr-4094	162	8	as	as	ADP
fsr-4094	162	9	a	a	DET
fsr-4094	162	10	1	1	NUM
fsr-4094	162	11	,	,	PUNCT
fsr-4094	162	12	while	while	SCONJ
fsr-4094	162	13	responses	response	NOUN
fsr-4094	162	14	of	of	ADP
fsr-4094	162	15	“	"	PUNCT
fsr-4094	162	16	no	no	INTJ
fsr-4094	162	17	”	"	PUNCT
fsr-4094	162	18	are	be	AUX
fsr-4094	162	19	coded	code	VERB
fsr-4094	162	20	as	as	ADP
fsr-4094	162	21	a	a	DET
fsr-4094	162	22	0	0	NUM
fsr-4094	162	23	.	.	PUNCT
fsr-4094	163	1	curnutt	curnutt	PROPN
fsr-4094	163	2	and	and	CCONJ
fsr-4094	163	3	smith	smith	PROPN
fsr-4094	163	4	131	131	NUM
fsr-4094	163	5	explanatory	explanatory	ADJ
fsr-4094	163	6	variables	variable	NOUN
fsr-4094	163	7	the	the	DET
fsr-4094	163	8	explanatory	explanatory	ADJ
fsr-4094	163	9	variables	variable	NOUN
fsr-4094	163	10	consist	consist	VERB
fsr-4094	163	11	of	of	ADP
fsr-4094	163	12	several	several	ADJ
fsr-4094	163	13	variables	variable	NOUN
fsr-4094	163	14	that	that	PRON
fsr-4094	163	15	capture	capture	VERB
fsr-4094	163	16	the	the	DET
fsr-4094	163	17	effects	effect	NOUN
fsr-4094	163	18	of	of	ADP
fsr-4094	163	19	other	other	ADJ
fsr-4094	163	20	alternative	alternative	ADJ
fsr-4094	163	21	financial	financial	ADJ
fsr-4094	163	22	services	service	NOUN
fsr-4094	163	23	as	as	ADV
fsr-4094	163	24	well	well	ADV
fsr-4094	163	25	as	as	ADP
fsr-4094	163	26	several	several	ADJ
fsr-4094	163	27	variables	variable	NOUN
fsr-4094	163	28	that	that	PRON
fsr-4094	163	29	control	control	NOUN
fsr-4094	163	30	for	for	ADP
fsr-4094	163	31	other	other	ADJ
fsr-4094	163	32	effects	effect	NOUN
fsr-4094	163	33	that	that	PRON
fsr-4094	163	34	may	may	AUX
fsr-4094	163	35	otherwise	otherwise	ADV
fsr-4094	163	36	impact	impact	VERB
fsr-4094	163	37	the	the	DET
fsr-4094	163	38	association	association	NOUN
fsr-4094	163	39	of	of	ADP
fsr-4094	163	40	holding	hold	VERB
fsr-4094	163	41	cryptocurrencies	cryptocurrencie	NOUN
fsr-4094	163	42	and	and	CCONJ
fsr-4094	163	43	the	the	DET
fsr-4094	163	44	use	use	NOUN
fsr-4094	163	45	of	of	ADP
fsr-4094	163	46	afss	afss	ADJ
fsr-4094	163	47	.	.	PUNCT
fsr-4094	164	1	•	•	NUM
fsr-4094	164	2	survey	survey	NOUN
fsr-4094	164	3	question	question	NOUN
fsr-4094	164	4	“	"	PUNCT
fsr-4094	164	5	bk1	bk1	NOUN
fsr-4094	164	6	”	"	PUNCT
fsr-4094	164	7	asks	ask	VERB
fsr-4094	164	8	the	the	DET
fsr-4094	164	9	respondent	respondent	NOUN
fsr-4094	164	10	,	,	PUNCT
fsr-4094	164	11	“	"	PUNCT
fsr-4094	164	12	do	do	AUX
fsr-4094	164	13	you	you	PRON
fsr-4094	164	14	(	(	PUNCT
fsr-4094	164	15	and/or	and/or	CCONJ
fsr-4094	164	16	your	your	PRON
fsr-4094	164	17	spouse	spouse	NOUN
fsr-4094	164	18	or	or	CCONJ
fsr-4094	164	19	partner	partner	NOUN
fsr-4094	164	20	)	)	PUNCT
fsr-4094	164	21	have	have	VERB
fsr-4094	164	22	a	a	DET
fsr-4094	164	23	checking	checking	NOUN
fsr-4094	164	24	,	,	PUNCT
fsr-4094	164	25	savings	saving	NOUN
fsr-4094	164	26	,	,	PUNCT
fsr-4094	164	27	or	or	CCONJ
fsr-4094	164	28	money	money	NOUN
fsr-4094	164	29	market	market	NOUN
fsr-4094	164	30	account	account	NOUN
fsr-4094	164	31	.	.	PUNCT
fsr-4094	164	32	)	)	PUNCT
fsr-4094	164	33	”	"	PUNCT
fsr-4094	164	34	responses	response	NOUN
fsr-4094	164	35	of	of	ADP
fsr-4094	164	36	yes	yes	INTJ
fsr-4094	164	37	are	be	AUX
fsr-4094	164	38	coded	code	VERB
fsr-4094	164	39	as	as	ADP
fsr-4094	164	40	a	a	DET
fsr-4094	164	41	1	1	NUM
fsr-4094	164	42	,	,	PUNCT
fsr-4094	164	43	while	while	SCONJ
fsr-4094	164	44	responses	response	NOUN
fsr-4094	164	45	of	of	ADP
fsr-4094	164	46	“	"	PUNCT
fsr-4094	164	47	no	no	INTJ
fsr-4094	164	48	”	"	PUNCT
fsr-4094	164	49	are	be	AUX
fsr-4094	164	50	coded	code	VERB
fsr-4094	164	51	as	as	ADP
fsr-4094	164	52	a	a	DET
fsr-4094	164	53	0	0	NUM
fsr-4094	164	54	.	.	NOUN
fsr-4094	164	55	•	•	NOUN
fsr-4094	164	56	survey	survey	NOUN
fsr-4094	164	57	question	question	NOUN
fsr-4094	164	58	“	"	PUNCT
fsr-4094	164	59	bk2_a	bk2_a	NUM
fsr-4094	164	60	”	"	PUNCT
fsr-4094	164	61	asks	ask	VERB
fsr-4094	164	62	the	the	DET
fsr-4094	164	63	respondent	respondent	NOUN
fsr-4094	164	64	,	,	PUNCT
fsr-4094	164	65	“	"	PUNCT
fsr-4094	164	66	in	in	ADP
fsr-4094	164	67	the	the	DET
fsr-4094	164	68	past	past	ADJ
fsr-4094	164	69	12	12	NUM
fsr-4094	164	70	months	month	NOUN
fsr-4094	164	71	,	,	PUNCT
fsr-4094	164	72	did	do	AUX
fsr-4094	164	73	you	you	PRON
fsr-4094	164	74	(	(	PUNCT
fsr-4094	164	75	and	and	CCONJ
fsr-4094	164	76	or	or	CCONJ
fsr-4094	164	77	your	your	PRON
fsr-4094	164	78	spouse	spouse	NOUN
fsr-4094	164	79	or	or	CCONJ
fsr-4094	164	80	partner	partner	NOUN
fsr-4094	164	81	)	)	PUNCT
fsr-4094	164	82	purchase	purchase	VERB
fsr-4094	164	83	a	a	DET
fsr-4094	164	84	money	money	NOUN
fsr-4094	164	85	order	order	NOUN
fsr-4094	164	86	from	from	ADP
fsr-4094	164	87	a	a	DET
fsr-4094	164	88	place	place	NOUN
fsr-4094	164	89	other	other	ADJ
fsr-4094	164	90	than	than	ADP
fsr-4094	164	91	a	a	DET
fsr-4094	164	92	bank	bank	NOUN
fsr-4094	164	93	?	?	PUNCT
fsr-4094	164	94	”	"	PUNCT
fsr-4094	165	1	responses	response	NOUN
fsr-4094	165	2	of	of	ADP
fsr-4094	165	3	yes	yes	INTJ
fsr-4094	165	4	are	be	AUX
fsr-4094	165	5	coded	code	VERB
fsr-4094	165	6	as	as	ADP
fsr-4094	165	7	a	a	DET
fsr-4094	165	8	1	1	NUM
fsr-4094	165	9	,	,	PUNCT
fsr-4094	165	10	while	while	SCONJ
fsr-4094	165	11	responses	response	NOUN
fsr-4094	165	12	of	of	ADP
fsr-4094	165	13	“	"	PUNCT
fsr-4094	165	14	no	no	INTJ
fsr-4094	165	15	”	"	PUNCT
fsr-4094	165	16	are	be	AUX
fsr-4094	165	17	coded	code	VERB
fsr-4094	165	18	as	as	ADP
fsr-4094	165	19	a	a	DET
fsr-4094	165	20	0	0	NUM
fsr-4094	165	21	.	.	NOUN
fsr-4094	165	22	•	•	NOUN
fsr-4094	165	23	survey	survey	NOUN
fsr-4094	165	24	question	question	NOUN
fsr-4094	165	25	“	"	PUNCT
fsr-4094	165	26	bk2_b	bk2_b	PROPN
fsr-4094	165	27	”	"	PUNCT
fsr-4094	165	28	asks	ask	VERB
fsr-4094	165	29	the	the	DET
fsr-4094	165	30	respondent	respondent	NOUN
fsr-4094	165	31	,	,	PUNCT
fsr-4094	165	32	“	"	PUNCT
fsr-4094	165	33	in	in	ADP
fsr-4094	165	34	the	the	DET
fsr-4094	165	35	past	past	ADJ
fsr-4094	165	36	12	12	NUM
fsr-4094	165	37	months	month	NOUN
fsr-4094	165	38	,	,	PUNCT
fsr-4094	165	39	did	do	AUX
fsr-4094	165	40	you	you	PRON
fsr-4094	165	41	(	(	PUNCT
fsr-4094	165	42	and	and	CCONJ
fsr-4094	165	43	or	or	CCONJ
fsr-4094	165	44	your	your	PRON
fsr-4094	165	45	spouse	spouse	NOUN
fsr-4094	165	46	or	or	CCONJ
fsr-4094	165	47	partner	partner	NOUN
fsr-4094	165	48	)	)	PUNCT
fsr-4094	165	49	cash	cash	NOUN
fsr-4094	165	50	a	a	DET
fsr-4094	165	51	check	check	NOUN
fsr-4094	165	52	at	at	ADP
fsr-4094	165	53	a	a	DET
fsr-4094	165	54	place	place	NOUN
fsr-4094	165	55	other	other	ADJ
fsr-4094	165	56	than	than	ADP
fsr-4094	165	57	a	a	DET
fsr-4094	165	58	bank	bank	NOUN
fsr-4094	165	59	?	?	PUNCT
fsr-4094	165	60	”	"	PUNCT
fsr-4094	166	1	responses	response	NOUN
fsr-4094	166	2	of	of	ADP
fsr-4094	166	3	yes	yes	INTJ
fsr-4094	166	4	are	be	AUX
fsr-4094	166	5	coded	code	VERB
fsr-4094	166	6	as	as	ADP
fsr-4094	166	7	a	a	DET
fsr-4094	166	8	1	1	NUM
fsr-4094	166	9	,	,	PUNCT
fsr-4094	166	10	while	while	SCONJ
fsr-4094	166	11	responses	response	NOUN
fsr-4094	166	12	of	of	ADP
fsr-4094	166	13	“	"	PUNCT
fsr-4094	166	14	no	no	INTJ
fsr-4094	166	15	”	"	PUNCT
fsr-4094	166	16	are	be	AUX
fsr-4094	166	17	coded	code	VERB
fsr-4094	166	18	as	as	ADP
fsr-4094	166	19	a	a	DET
fsr-4094	166	20	0	0	NUM
fsr-4094	166	21	.	.	NOUN
fsr-4094	166	22	•	•	NOUN
fsr-4094	167	1	survey	survey	NOUN
fsr-4094	167	2	question	question	NOUN
fsr-4094	167	3	“	"	PUNCT
fsr-4094	167	4	bk2_c	bk2_c	PROPN
fsr-4094	167	5	”	"	PUNCT
fsr-4094	167	6	asks	ask	VERB
fsr-4094	167	7	the	the	DET
fsr-4094	167	8	respondent	respondent	NOUN
fsr-4094	167	9	,	,	PUNCT
fsr-4094	167	10	“	"	PUNCT
fsr-4094	167	11	in	in	ADP
fsr-4094	167	12	the	the	DET
fsr-4094	167	13	past	past	ADJ
fsr-4094	167	14	12	12	NUM
fsr-4094	167	15	months	month	NOUN
fsr-4094	167	16	,	,	PUNCT
fsr-4094	167	17	did	do	AUX
fsr-4094	167	18	you	you	PRON
fsr-4094	167	19	(	(	PUNCT
fsr-4094	167	20	and	and	CCONJ
fsr-4094	167	21	or	or	CCONJ
fsr-4094	167	22	your	your	PRON
fsr-4094	167	23	spouse	spouse	NOUN
fsr-4094	167	24	or	or	CCONJ
fsr-4094	167	25	partner	partner	NOUN
fsr-4094	167	26	)	)	PUNCT
fsr-4094	167	27	take	take	VERB
fsr-4094	167	28	out	out	ADP
fsr-4094	167	29	a	a	DET
fsr-4094	167	30	payday	payday	NOUN
fsr-4094	167	31	loan	loan	NOUN
fsr-4094	167	32	or	or	CCONJ
fsr-4094	167	33	payday	payday	NOUN
fsr-4094	167	34	advance	advance	NOUN
fsr-4094	167	35	?	?	PUNCT
fsr-4094	167	36	”	"	PUNCT
fsr-4094	168	1	responses	response	NOUN
fsr-4094	168	2	of	of	ADP
fsr-4094	168	3	yes	yes	INTJ
fsr-4094	168	4	are	be	AUX
fsr-4094	168	5	coded	code	VERB
fsr-4094	168	6	as	as	ADP
fsr-4094	168	7	a	a	DET
fsr-4094	168	8	1	1	NUM
fsr-4094	168	9	,	,	PUNCT
fsr-4094	168	10	while	while	SCONJ
fsr-4094	168	11	responses	response	NOUN
fsr-4094	168	12	of	of	ADP
fsr-4094	168	13	“	"	PUNCT
fsr-4094	168	14	no	no	INTJ
fsr-4094	168	15	”	"	PUNCT
fsr-4094	168	16	are	be	AUX
fsr-4094	168	17	coded	code	VERB
fsr-4094	168	18	as	as	ADP
fsr-4094	168	19	a	a	DET
fsr-4094	168	20	0	0	NUM
fsr-4094	168	21	.	.	NOUN
fsr-4094	168	22	•	•	NOUN
fsr-4094	169	1	survey	survey	NOUN
fsr-4094	169	2	question	question	NOUN
fsr-4094	169	3	“	"	PUNCT
fsr-4094	169	4	bk2_d	bk2_d	NUM
fsr-4094	169	5	”	"	PUNCT
fsr-4094	169	6	asks	ask	VERB
fsr-4094	169	7	the	the	DET
fsr-4094	169	8	respondent	respondent	NOUN
fsr-4094	169	9	,	,	PUNCT
fsr-4094	169	10	“	"	PUNCT
fsr-4094	169	11	in	in	ADP
fsr-4094	169	12	the	the	DET
fsr-4094	169	13	past	past	ADJ
fsr-4094	169	14	12	12	NUM
fsr-4094	169	15	months	month	NOUN
fsr-4094	169	16	,	,	PUNCT
fsr-4094	169	17	did	do	AUX
fsr-4094	169	18	you	you	PRON
fsr-4094	169	19	(	(	PUNCT
fsr-4094	169	20	and	and	CCONJ
fsr-4094	169	21	or	or	CCONJ
fsr-4094	169	22	your	your	PRON
fsr-4094	169	23	spouse	spouse	NOUN
fsr-4094	169	24	or	or	CCONJ
fsr-4094	169	25	partner	partner	NOUN
fsr-4094	169	26	)	)	PUNCT
fsr-4094	169	27	take	take	VERB
fsr-4094	169	28	out	out	ADP
fsr-4094	169	29	a	a	DET
fsr-4094	169	30	pawnshop	pawnshop	NOUN
fsr-4094	169	31	loan	loan	NOUN
fsr-4094	169	32	or	or	CCONJ
fsr-4094	169	33	an	an	DET
fsr-4094	169	34	auto	auto	NOUN
fsr-4094	169	35	title	title	NOUN
fsr-4094	169	36	loan	loan	NOUN
fsr-4094	169	37	?	?	PUNCT
fsr-4094	169	38	”	"	PUNCT
fsr-4094	170	1	responses	response	NOUN
fsr-4094	170	2	of	of	ADP
fsr-4094	170	3	yes	yes	INTJ
fsr-4094	170	4	are	be	AUX
fsr-4094	170	5	coded	code	VERB
fsr-4094	170	6	as	as	ADP
fsr-4094	170	7	a	a	DET
fsr-4094	170	8	1	1	NUM
fsr-4094	170	9	,	,	PUNCT
fsr-4094	170	10	while	while	SCONJ
fsr-4094	170	11	responses	response	NOUN
fsr-4094	170	12	of	of	ADP
fsr-4094	170	13	“	"	PUNCT
fsr-4094	170	14	no	no	INTJ
fsr-4094	170	15	”	"	PUNCT
fsr-4094	170	16	are	be	AUX
fsr-4094	170	17	coded	code	VERB
fsr-4094	170	18	as	as	ADP
fsr-4094	170	19	a	a	DET
fsr-4094	170	20	0	0	NUM
fsr-4094	170	21	.	.	NOUN
fsr-4094	170	22	•	•	NOUN
fsr-4094	171	1	survey	survey	NOUN
fsr-4094	171	2	question	question	NOUN
fsr-4094	171	3	“	"	PUNCT
fsr-4094	171	4	bk2_e	bk2_e	NOUN
fsr-4094	171	5	”	"	PUNCT
fsr-4094	171	6	asks	ask	VERB
fsr-4094	171	7	the	the	DET
fsr-4094	171	8	respondent	respondent	NOUN
fsr-4094	171	9	,	,	PUNCT
fsr-4094	171	10	“	"	PUNCT
fsr-4094	171	11	in	in	ADP
fsr-4094	171	12	the	the	DET
fsr-4094	171	13	past	past	ADJ
fsr-4094	171	14	12	12	NUM
fsr-4094	171	15	months	month	NOUN
fsr-4094	171	16	,	,	PUNCT
fsr-4094	171	17	did	do	AUX
fsr-4094	171	18	you	you	PRON
fsr-4094	171	19	(	(	PUNCT
fsr-4094	171	20	and	and	CCONJ
fsr-4094	171	21	or	or	CCONJ
fsr-4094	171	22	your	your	PRON
fsr-4094	171	23	spouse	spouse	NOUN
fsr-4094	171	24	or	or	CCONJ
fsr-4094	171	25	partner	partner	NOUN
fsr-4094	171	26	)	)	PUNCT
fsr-4094	171	27	obtain	obtain	VERB
fsr-4094	171	28	a	a	DET
fsr-4094	171	29	tax	tax	NOUN
fsr-4094	171	30	refund	refund	NOUN
fsr-4094	171	31	advance	advance	NOUN
fsr-4094	171	32	to	to	PART
fsr-4094	171	33	receive	receive	VERB
fsr-4094	171	34	your	your	PRON
fsr-4094	171	35	refund	refund	NOUN
fsr-4094	171	36	faster	fast	ADV
fsr-4094	171	37	?	?	PUNCT
fsr-4094	171	38	”	"	PUNCT
fsr-4094	172	1	responses	response	NOUN
fsr-4094	172	2	of	of	ADP
fsr-4094	172	3	yes	yes	INTJ
fsr-4094	172	4	are	be	AUX
fsr-4094	172	5	coded	code	VERB
fsr-4094	172	6	as	as	ADP
fsr-4094	172	7	a	a	DET
fsr-4094	172	8	1	1	NUM
fsr-4094	172	9	,	,	PUNCT
fsr-4094	172	10	while	while	SCONJ
fsr-4094	172	11	responses	response	NOUN
fsr-4094	172	12	of	of	ADP
fsr-4094	172	13	“	"	PUNCT
fsr-4094	172	14	no	no	INTJ
fsr-4094	172	15	”	"	PUNCT
fsr-4094	172	16	are	be	AUX
fsr-4094	172	17	coded	code	VERB
fsr-4094	172	18	as	as	ADP
fsr-4094	172	19	a	a	DET
fsr-4094	172	20	0	0	NUM
fsr-4094	172	21	.	.	NOUN
fsr-4094	172	22	•	•	NOUN
fsr-4094	172	23	survey	survey	NOUN
fsr-4094	172	24	question	question	NOUN
fsr-4094	172	25	“	"	PUNCT
fsr-4094	172	26	bk2_f	bk2_f	NOUN
fsr-4094	172	27	”	"	PUNCT
fsr-4094	172	28	asks	ask	VERB
fsr-4094	172	29	the	the	DET
fsr-4094	172	30	respondent	respondent	NOUN
fsr-4094	172	31	,	,	PUNCT
fsr-4094	172	32	“	"	PUNCT
fsr-4094	172	33	in	in	ADP
fsr-4094	172	34	the	the	DET
fsr-4094	172	35	past	past	ADJ
fsr-4094	172	36	12	12	NUM
fsr-4094	172	37	months	month	NOUN
fsr-4094	172	38	,	,	PUNCT
fsr-4094	172	39	did	do	AUX
fsr-4094	172	40	you	you	PRON
fsr-4094	172	41	(	(	PUNCT
fsr-4094	172	42	and	and	CCONJ
fsr-4094	172	43	or	or	CCONJ
fsr-4094	172	44	your	your	PRON
fsr-4094	172	45	spouse	spouse	NOUN
fsr-4094	172	46	or	or	CCONJ
fsr-4094	172	47	partner	partner	NOUN
fsr-4094	172	48	)	)	PUNCT
fsr-4094	172	49	pay	pay	VERB
fsr-4094	172	50	an	an	DET
fsr-4094	172	51	overdraft	overdraft	NOUN
fsr-4094	172	52	fee	fee	NOUN
fsr-4094	172	53	on	on	ADP
fsr-4094	172	54	a	a	DET
fsr-4094	172	55	bank	bank	NOUN
fsr-4094	172	56	account	account	NOUN
fsr-4094	172	57	?	?	PUNCT
fsr-4094	172	58	”	"	PUNCT
fsr-4094	173	1	responses	response	NOUN
fsr-4094	173	2	of	of	ADP
fsr-4094	173	3	yes	yes	INTJ
fsr-4094	173	4	are	be	AUX
fsr-4094	173	5	coded	code	VERB
fsr-4094	173	6	as	as	ADP
fsr-4094	173	7	a	a	DET
fsr-4094	173	8	1	1	NUM
fsr-4094	173	9	,	,	PUNCT
fsr-4094	173	10	while	while	SCONJ
fsr-4094	173	11	responses	response	NOUN
fsr-4094	173	12	of	of	ADP
fsr-4094	173	13	“	"	PUNCT
fsr-4094	173	14	no	no	INTJ
fsr-4094	173	15	”	"	PUNCT
fsr-4094	173	16	are	be	AUX
fsr-4094	173	17	coded	code	VERB
fsr-4094	173	18	as	as	ADP
fsr-4094	173	19	a	a	DET
fsr-4094	173	20	0	0	NUM
fsr-4094	173	21	.	.	NOUN
fsr-4094	173	22	•	•	NOUN
fsr-4094	173	23	survey	survey	NOUN
fsr-4094	173	24	question	question	NOUN
fsr-4094	173	25	“	"	PUNCT
fsr-4094	173	26	fl0	fl0	NOUN
fsr-4094	173	27	”	"	PUNCT
fsr-4094	173	28	is	be	AUX
fsr-4094	173	29	included	include	VERB
fsr-4094	173	30	in	in	ADP
fsr-4094	173	31	the	the	DET
fsr-4094	173	32	model	model	NOUN
fsr-4094	173	33	to	to	PART
fsr-4094	173	34	proxy	proxy	VERB
fsr-4094	173	35	for	for	ADP
fsr-4094	173	36	the	the	DET
fsr-4094	173	37	respondent	respondent	NOUN
fsr-4094	173	38	’s	’s	PART
fsr-4094	173	39	risk	risk	NOUN
fsr-4094	173	40	tolerance	tolerance	NOUN
fsr-4094	173	41	.	.	PUNCT
fsr-4094	174	1	fl0	fl0	NOUN
fsr-4094	174	2	is	be	AUX
fsr-4094	174	3	an	an	DET
fsr-4094	174	4	ordinary	ordinary	ADJ
fsr-4094	174	5	variable	variable	NOUN
fsr-4094	174	6	ranging	range	VERB
fsr-4094	174	7	from	from	ADP
fsr-4094	174	8	0	0	NUM
fsr-4094	174	9	to	to	ADP
fsr-4094	174	10	10	10	NUM
fsr-4094	174	11	.	.	PUNCT
fsr-4094	175	1	the	the	DET
fsr-4094	175	2	question	question	NOUN
fsr-4094	175	3	asks	ask	VERB
fsr-4094	175	4	,	,	PUNCT
fsr-4094	175	5	“	"	PUNCT
fsr-4094	175	6	on	on	ADP
fsr-4094	175	7	a	a	DET
fsr-4094	175	8	scale	scale	NOUN
fsr-4094	175	9	of	of	ADP
fsr-4094	175	10	zero	zero	NUM
fsr-4094	175	11	to	to	ADP
fsr-4094	175	12	ten	ten	NUM
fsr-4094	175	13	,	,	PUNCT
fsr-4094	175	14	where	where	SCONJ
fsr-4094	175	15	zero	zero	NUM
fsr-4094	175	16	is	be	AUX
fsr-4094	175	17	not	not	PART
fsr-4094	175	18	at	at	ADV
fsr-4094	175	19	all	all	ADV
fsr-4094	175	20	willing	willing	ADJ
fsr-4094	175	21	to	to	PART
fsr-4094	175	22	take	take	VERB
fsr-4094	175	23	risk	risk	NOUN
fsr-4094	175	24	and	and	CCONJ
fsr-4094	175	25	ten	ten	NOUN
fsr-4094	175	26	is	be	AUX
fsr-4094	175	27	very	very	ADV
fsr-4094	175	28	willing	willing	ADJ
fsr-4094	175	29	to	to	PART
fsr-4094	175	30	take	take	VERB
fsr-4094	175	31	risks	risk	NOUN
fsr-4094	175	32	,	,	PUNCT
fsr-4094	175	33	what	what	DET
fsr-4094	175	34	number	number	NOUN
fsr-4094	175	35	would	would	AUX
fsr-4094	175	36	you	you	PRON
fsr-4094	175	37	be	be	AUX
fsr-4094	175	38	on	on	ADP
fsr-4094	175	39	the	the	DET
fsr-4094	175	40	scale	scale	NOUN
fsr-4094	175	41	?	?	PUNCT
fsr-4094	175	42	”	"	PUNCT
fsr-4094	176	1	•	•	NUM
fsr-4094	176	2	survey	survey	NOUN
fsr-4094	176	3	question	question	NOUN
fsr-4094	176	4	“	"	PUNCT
fsr-4094	176	5	ppethm	ppethm	NOUN
fsr-4094	176	6	”	"	PUNCT
fsr-4094	176	7	is	be	AUX
fsr-4094	176	8	a	a	DET
fsr-4094	176	9	categorical	categorical	ADJ
fsr-4094	176	10	variable	variable	NOUN
fsr-4094	176	11	that	that	PRON
fsr-4094	176	12	asks	ask	VERB
fsr-4094	176	13	the	the	DET
fsr-4094	176	14	respondent	respondent	NOUN
fsr-4094	176	15	to	to	PART
fsr-4094	176	16	provide	provide	VERB
fsr-4094	176	17	their	their	PRON
fsr-4094	176	18	self	self	NOUN
fsr-4094	176	19	-	-	PUNCT
fsr-4094	176	20	reported	report	VERB
fsr-4094	176	21	“	"	PUNCT
fsr-4094	176	22	race	race	NOUN
fsr-4094	176	23	/	/	SYM
fsr-4094	176	24	ethnicity	ethnicity	NOUN
fsr-4094	176	25	”	"	PUNCT
fsr-4094	176	26	.	.	PUNCT
fsr-4094	177	1	we	we	PRON
fsr-4094	177	2	include	include	VERB
fsr-4094	177	3	this	this	PRON
fsr-4094	177	4	in	in	ADP
fsr-4094	177	5	our	our	PRON
fsr-4094	177	6	model	model	NOUN
fsr-4094	177	7	as	as	ADP
fsr-4094	177	8	a	a	DET
fsr-4094	177	9	proxy	proxy	NOUN
fsr-4094	177	10	to	to	PART
fsr-4094	177	11	control	control	VERB
fsr-4094	177	12	for	for	ADP
fsr-4094	177	13	the	the	DET
fsr-4094	177	14	cultural	cultural	ADJ
fsr-4094	177	15	effects	effect	NOUN
fsr-4094	177	16	that	that	PRON
fsr-4094	177	17	differences	difference	NOUN
fsr-4094	177	18	in	in	ADP
fsr-4094	177	19	race	race	NOUN
fsr-4094	177	20	and	and	CCONJ
fsr-4094	177	21	ethnicity	ethnicity	NOUN
fsr-4094	177	22	may	may	AUX
fsr-4094	177	23	have	have	VERB
fsr-4094	177	24	on	on	ADP
fsr-4094	177	25	the	the	DET
fsr-4094	177	26	adoption	adoption	NOUN
fsr-4094	177	27	of	of	ADP
fsr-4094	177	28	cryptocurrency	cryptocurrency	NOUN
fsr-4094	177	29	.	.	PUNCT
fsr-4094	178	1	respondents	respondent	NOUN
fsr-4094	178	2	can	can	AUX
fsr-4094	178	3	answer	answer	VERB
fsr-4094	178	4	1	1	NUM
fsr-4094	178	5	for	for	ADP
fsr-4094	178	6	“	"	PUNCT
fsr-4094	178	7	white	white	ADJ
fsr-4094	178	8	,	,	PUNCT
fsr-4094	178	9	non	non	ADJ
fsr-4094	178	10	-	-	ADJ
fsr-4094	178	11	hispanic	hispanic	ADJ
fsr-4094	178	12	”	"	PUNCT
fsr-4094	178	13	,	,	PUNCT
fsr-4094	178	14	2	2	NUM
fsr-4094	178	15	for	for	ADP
fsr-4094	178	16	“	"	PUNCT
fsr-4094	178	17	black	black	ADJ
fsr-4094	178	18	,	,	PUNCT
fsr-4094	178	19	non	non	ADJ
fsr-4094	178	20	-	-	ADJ
fsr-4094	178	21	hispanic	hispanic	ADJ
fsr-4094	178	22	”	"	PUNCT
fsr-4094	178	23	,	,	PUNCT
fsr-4094	178	24	3	3	NUM
fsr-4094	178	25	for	for	ADP
fsr-4094	178	26	“	"	PUNCT
fsr-4094	178	27	other	other	ADJ
fsr-4094	178	28	,	,	PUNCT
fsr-4094	178	29	non	non	ADJ
fsr-4094	178	30	-	-	ADJ
fsr-4094	178	31	hispanic	hispanic	ADJ
fsr-4094	178	32	”	"	PUNCT
fsr-4094	178	33	,	,	PUNCT
fsr-4094	178	34	4	4	NUM
fsr-4094	178	35	for	for	ADP
fsr-4094	178	36	“	"	PUNCT
fsr-4094	178	37	hispanic	hispanic	ADJ
fsr-4094	178	38	”	"	PUNCT
fsr-4094	178	39	,	,	PUNCT
fsr-4094	178	40	or	or	CCONJ
fsr-4094	178	41	5	5	NUM
fsr-4094	178	42	for	for	ADP
fsr-4094	178	43	“	"	PUNCT
fsr-4094	178	44	2	2	NUM
fsr-4094	178	45	+	+	NUM
fsr-4094	178	46	races	race	NOUN
fsr-4094	178	47	,	,	PUNCT
fsr-4094	178	48	non	non	ADJ
fsr-4094	178	49	-	-	ADJ
fsr-4094	178	50	hispanic	hispanic	ADJ
fsr-4094	178	51	”	"	PUNCT
fsr-4094	178	52	.	.	PUNCT
fsr-4094	179	1	•	•	NUM
fsr-4094	179	2	survey	survey	NOUN
fsr-4094	179	3	question	question	NOUN
fsr-4094	179	4	“	"	PUNCT
fsr-4094	179	5	ppgender	ppgender	NOUN
fsr-4094	179	6	”	"	PUNCT
fsr-4094	179	7	is	be	AUX
fsr-4094	179	8	a	a	DET
fsr-4094	179	9	dichotomous	dichotomous	ADJ
fsr-4094	179	10	variable	variable	NOUN
fsr-4094	179	11	that	that	PRON
fsr-4094	179	12	asks	ask	VERB
fsr-4094	179	13	the	the	DET
fsr-4094	179	14	respondent	respondent	NOUN
fsr-4094	179	15	to	to	ADP
fsr-4094	179	16	self	self	NOUN
fsr-4094	179	17	-	-	PUNCT
fsr-4094	179	18	report	report	VERB
fsr-4094	179	19	their	their	PRON
fsr-4094	179	20	gender	gender	NOUN
fsr-4094	179	21	.	.	PUNCT
fsr-4094	180	1	respondents	respondent	NOUN
fsr-4094	180	2	can	can	AUX
fsr-4094	180	3	answer	answer	VERB
fsr-4094	180	4	1	1	NUM
fsr-4094	180	5	for	for	ADP
fsr-4094	180	6	“	"	PUNCT
fsr-4094	180	7	male	male	NOUN
fsr-4094	180	8	”	"	PUNCT
fsr-4094	180	9	or	or	CCONJ
fsr-4094	180	10	2	2	NUM
fsr-4094	180	11	for	for	ADP
fsr-4094	180	12	“	"	PUNCT
fsr-4094	180	13	female	female	NOUN
fsr-4094	180	14	”	"	PUNCT
fsr-4094	180	15	.	.	PUNCT
fsr-4094	181	1	we	we	PRON
fsr-4094	181	2	recode	recode	VERB
fsr-4094	181	3	this	this	DET
fsr-4094	181	4	variable	variable	NOUN
fsr-4094	181	5	as	as	ADP
fsr-4094	181	6	0	0	NUM
fsr-4094	181	7	for	for	ADP
fsr-4094	181	8	“	"	PUNCT
fsr-4094	181	9	male	male	ADJ
fsr-4094	181	10	”	"	PUNCT
fsr-4094	181	11	respondents	respondent	NOUN
fsr-4094	181	12	and	and	CCONJ
fsr-4094	181	13	1	1	NUM
fsr-4094	181	14	for	for	ADP
fsr-4094	181	15	“	"	PUNCT
fsr-4094	181	16	female	female	ADJ
fsr-4094	181	17	”	"	PUNCT
fsr-4094	181	18	respondents	respondent	NOUN
fsr-4094	181	19	.	.	PUNCT
fsr-4094	182	1	•	•	NUM
fsr-4094	182	2	survey	survey	NOUN
fsr-4094	182	3	question	question	NOUN
fsr-4094	182	4	“	"	PUNCT
fsr-4094	182	5	ppmarit5	ppmarit5	NOUN
fsr-4094	182	6	”	"	PUNCT
fsr-4094	182	7	is	be	AUX
fsr-4094	182	8	an	an	DET
fsr-4094	182	9	ordinal	ordinal	ADJ
fsr-4094	182	10	variable	variable	NOUN
fsr-4094	182	11	ranging	range	VERB
fsr-4094	182	12	from	from	ADP
fsr-4094	182	13	1	1	NUM
fsr-4094	182	14	to	to	PART
fsr-4094	182	15	5	5	NUM
fsr-4094	182	16	.	.	PUNCT
fsr-4094	183	1	respondents	respondent	NOUN
fsr-4094	183	2	can	can	AUX
fsr-4094	183	3	answer	answer	VERB
fsr-4094	183	4	1	1	NUM
fsr-4094	183	5	for	for	ADP
fsr-4094	183	6	“	"	PUNCT
fsr-4094	183	7	now	now	ADV
fsr-4094	183	8	married	married	ADJ
fsr-4094	183	9	”	"	PUNCT
fsr-4094	183	10	,	,	PUNCT
fsr-4094	183	11	2	2	NUM
fsr-4094	183	12	for	for	ADP
fsr-4094	183	13	“	"	PUNCT
fsr-4094	183	14	widowed	widow	VERB
fsr-4094	183	15	”	"	PUNCT
fsr-4094	183	16	,	,	PUNCT
fsr-4094	183	17	3	3	NUM
fsr-4094	183	18	for	for	ADP
fsr-4094	183	19	“	"	PUNCT
fsr-4094	183	20	divorced	divorce	VERB
fsr-4094	183	21	”	"	PUNCT
fsr-4094	183	22	,	,	PUNCT
fsr-4094	183	23	4	4	NUM
fsr-4094	183	24	for	for	ADP
fsr-4094	183	25	“	"	PUNCT
fsr-4094	183	26	separated	separate	VERB
fsr-4094	183	27	”	"	PUNCT
fsr-4094	183	28	,	,	PUNCT
fsr-4094	183	29	or	or	CCONJ
fsr-4094	183	30	5	5	NUM
fsr-4094	183	31	for	for	ADP
fsr-4094	183	32	“	"	PUNCT
fsr-4094	183	33	never	never	ADV
fsr-4094	183	34	married	marry	VERB
fsr-4094	183	35	”	"	PUNCT
fsr-4094	183	36	.	.	PUNCT
fsr-4094	184	1	we	we	PRON
fsr-4094	184	2	recoded	recode	VERB
fsr-4094	184	3	this	this	DET
fsr-4094	184	4	variable	variable	NOUN
fsr-4094	184	5	as	as	ADP
fsr-4094	184	6	0	0	NUM
fsr-4094	184	7	for	for	ADP
fsr-4094	184	8	responses	response	NOUN
fsr-4094	184	9	2	2	NUM
fsr-4094	184	10	,	,	PUNCT
fsr-4094	184	11	3	3	NUM
fsr-4094	184	12	,	,	PUNCT
fsr-4094	184	13	4	4	NUM
fsr-4094	184	14	,	,	PUNCT
fsr-4094	184	15	or	or	CCONJ
fsr-4094	184	16	5	5	NUM
fsr-4094	184	17	.	.	PUNCT
fsr-4094	185	1	this	this	PRON
fsr-4094	185	2	resulted	result	VERB
fsr-4094	185	3	in	in	ADP
fsr-4094	185	4	a	a	DET
fsr-4094	185	5	dichotomous	dichotomous	ADJ
fsr-4094	185	6	variable	variable	NOUN
fsr-4094	185	7	where	where	SCONJ
fsr-4094	185	8	a	a	DET
fsr-4094	185	9	value	value	NOUN
fsr-4094	185	10	of	of	ADP
fsr-4094	185	11	0	0	NUM
fsr-4094	185	12	is	be	AUX
fsr-4094	185	13	not	not	PART
fsr-4094	185	14	married	married	ADJ
fsr-4094	185	15	and	and	CCONJ
fsr-4094	185	16	1	1	NUM
fsr-4094	185	17	is	be	AUX
fsr-4094	185	18	married	married	ADJ
fsr-4094	185	19	.	.	PUNCT
fsr-4094	186	1	•	•	NUM
fsr-4094	186	2	survey	survey	NOUN
fsr-4094	186	3	question	question	NOUN
fsr-4094	186	4	“	"	PUNCT
fsr-4094	186	5	pps0596	pps0596	NOUN
fsr-4094	186	6	”	"	PUNCT
fsr-4094	186	7	is	be	AUX
fsr-4094	186	8	an	an	DET
fsr-4094	186	9	ordinal	ordinal	ADJ
fsr-4094	186	10	variable	variable	NOUN
fsr-4094	186	11	where	where	SCONJ
fsr-4094	186	12	respondents	respondent	NOUN
fsr-4094	186	13	are	be	AUX
fsr-4094	186	14	asked	ask	VERB
fsr-4094	186	15	to	to	ADP
fsr-4094	186	16	self	self	NOUN
fsr-4094	186	17	-	-	PUNCT
fsr-4094	186	18	report	report	VERB
fsr-4094	186	19	their	their	PRON
fsr-4094	186	20	savings	saving	NOUN
fsr-4094	186	21	and	and	CCONJ
fsr-4094	186	22	investments	investment	NOUN
fsr-4094	186	23	on	on	ADP
fsr-4094	186	24	a	a	DET
fsr-4094	186	25	range	range	NOUN
fsr-4094	186	26	from	from	ADP
fsr-4094	186	27	1	1	NUM
fsr-4094	186	28	to	to	PART
fsr-4094	186	29	7	7	NUM
fsr-4094	186	30	.	.	PUNCT
fsr-4094	187	1	respondents	respondent	NOUN
fsr-4094	187	2	can	can	AUX
fsr-4094	187	3	answer	answer	VERB
fsr-4094	187	4	1	1	NUM
fsr-4094	187	5	for	for	ADP
fsr-4094	187	6	“	"	PUNCT
fsr-4094	187	7	less	less	ADJ
fsr-4094	187	8	than	than	ADP
fsr-4094	187	9	$	$	SYM
fsr-4094	187	10	50,000	50,000	NUM
fsr-4094	187	11	”	"	PUNCT
fsr-4094	187	12	,	,	PUNCT
fsr-4094	187	13	2	2	NUM
fsr-4094	187	14	for	for	ADP
fsr-4094	187	15	“	"	PUNCT
fsr-4094	187	16	$	$	SYM
fsr-4094	187	17	50,000	50,000	NUM
fsr-4094	187	18	to	to	PART
fsr-4094	187	19	$	$	SYM
fsr-4094	187	20	99,999	99,999	NUM
fsr-4094	187	21	”	"	PUNCT
fsr-4094	187	22	,	,	PUNCT
fsr-4094	187	23	3	3	NUM
fsr-4094	187	24	for	for	ADP
fsr-4094	187	25	“	"	PUNCT
fsr-4094	187	26	$	$	SYM
fsr-4094	187	27	100,000	100,000	NUM
fsr-4094	187	28	to	to	PART
fsr-4094	187	29	$	$	SYM
fsr-4094	187	30	249,999	249,999	NUM
fsr-4094	187	31	”	"	PUNCT
fsr-4094	187	32	4	4	NUM
fsr-4094	187	33	for	for	ADP
fsr-4094	187	34	“	"	PUNCT
fsr-4094	187	35	$	$	SYM
fsr-4094	187	36	250,000	250,000	NUM
fsr-4094	187	37	to	to	PART
fsr-4094	187	38	$	$	SYM
fsr-4094	187	39	499,999	499,999	NUM
fsr-4094	187	40	”	"	PUNCT
fsr-4094	187	41	,	,	PUNCT
fsr-4094	187	42	5	5	NUM
fsr-4094	187	43	for	for	ADP
fsr-4094	187	44	“	"	PUNCT
fsr-4094	187	45	$	$	SYM
fsr-4094	187	46	500,000	500,000	NUM
fsr-4094	187	47	to	to	PART
fsr-4094	187	48	$	$	SYM
fsr-4094	187	49	999,999	999,999	NUM
fsr-4094	187	50	”	"	PUNCT
fsr-4094	187	51	,	,	PUNCT
fsr-4094	187	52	6	6	NUM
fsr-4094	187	53	for	for	ADP
fsr-4094	187	54	“	"	PUNCT
fsr-4094	187	55	$	$	SYM
fsr-4094	187	56	1,000,000	1,000,000	NUM
fsr-4094	187	57	or	or	CCONJ
fsr-4094	187	58	more	more	ADJ
fsr-4094	187	59	”	"	PUNCT
fsr-4094	187	60	or	or	CCONJ
fsr-4094	187	61	7	7	NUM
fsr-4094	187	62	for	for	ADP
fsr-4094	187	63	“	"	PUNCT
fsr-4094	187	64	not	not	PART
fsr-4094	187	65	sure	sure	ADJ
fsr-4094	187	66	”	"	PUNCT
fsr-4094	187	67	.	.	PUNCT
fsr-4094	188	1	financial	financial	ADJ
fsr-4094	188	2	services	service	NOUN
fsr-4094	188	3	review	review	PROPN
fsr-4094	188	4	,	,	PUNCT
fsr-4094	188	5	33(2	33(2	NUM
fsr-4094	188	6	)	)	PUNCT
fsr-4094	189	1	132	132	NUM
fsr-4094	189	2	responses	response	NOUN
fsr-4094	189	3	of	of	ADP
fsr-4094	189	4	7	7	NUM
fsr-4094	189	5	are	be	AUX
fsr-4094	189	6	dropped	drop	VERB
fsr-4094	189	7	from	from	ADP
fsr-4094	189	8	the	the	DET
fsr-4094	189	9	sample	sample	NOUN
fsr-4094	189	10	.	.	PUNCT
fsr-4094	190	1	•	•	NUM
fsr-4094	190	2	survey	survey	NOUN
fsr-4094	190	3	question	question	NOUN
fsr-4094	190	4	“	"	PUNCT
fsr-4094	190	5	ppfs1482	ppfs1482	PROPN
fsr-4094	190	6	”	"	PUNCT
fsr-4094	190	7	is	be	AUX
fsr-4094	190	8	an	an	DET
fsr-4094	190	9	ordinal	ordinal	ADJ
fsr-4094	190	10	variable	variable	NOUN
fsr-4094	190	11	that	that	PRON
fsr-4094	190	12	asks	ask	VERB
fsr-4094	190	13	the	the	DET
fsr-4094	190	14	respondent	respondent	NOUN
fsr-4094	190	15	to	to	PART
fsr-4094	190	16	selfreport	selfreport	VERB
fsr-4094	190	17	where	where	SCONJ
fsr-4094	190	18	they	they	PRON
fsr-4094	190	19	think	think	VERB
fsr-4094	190	20	their	their	PRON
fsr-4094	190	21	credit	credit	NOUN
fsr-4094	190	22	score	score	NOUN
fsr-4094	190	23	falls	fall	VERB
fsr-4094	190	24	on	on	ADP
fsr-4094	190	25	a	a	DET
fsr-4094	190	26	range	range	NOUN
fsr-4094	190	27	from	from	ADP
fsr-4094	190	28	1	1	NUM
fsr-4094	190	29	to	to	PART
fsr-4094	190	30	6	6	NUM
fsr-4094	190	31	.	.	PUNCT
fsr-4094	191	1	respondents	respondent	NOUN
fsr-4094	191	2	can	can	AUX
fsr-4094	191	3	answer	answer	VERB
fsr-4094	191	4	1	1	NUM
fsr-4094	191	5	for	for	ADP
fsr-4094	191	6	“	"	PUNCT
fsr-4094	191	7	very	very	ADV
fsr-4094	191	8	poor	poor	ADJ
fsr-4094	191	9	”	"	PUNCT
fsr-4094	191	10	,	,	PUNCT
fsr-4094	191	11	2	2	NUM
fsr-4094	191	12	for	for	ADP
fsr-4094	191	13	“	"	PUNCT
fsr-4094	191	14	poor	poor	ADJ
fsr-4094	191	15	”	"	PUNCT
fsr-4094	191	16	,	,	PUNCT
fsr-4094	191	17	3	3	NUM
fsr-4094	191	18	for	for	ADP
fsr-4094	191	19	“	"	PUNCT
fsr-4094	191	20	fair	fair	ADJ
fsr-4094	191	21	”	"	PUNCT
fsr-4094	191	22	,	,	PUNCT
fsr-4094	191	23	4	4	NUM
fsr-4094	191	24	for	for	ADP
fsr-4094	191	25	“	"	PUNCT
fsr-4094	191	26	good	good	ADJ
fsr-4094	191	27	”	"	PUNCT
fsr-4094	191	28	,	,	PUNCT
fsr-4094	191	29	5	5	NUM
fsr-4094	191	30	for	for	ADP
fsr-4094	191	31	“	"	PUNCT
fsr-4094	191	32	excellent	excellent	ADJ
fsr-4094	191	33	”	"	PUNCT
fsr-4094	191	34	,	,	PUNCT
fsr-4094	191	35	6	6	NUM
fsr-4094	191	36	for	for	SCONJ
fsr-4094	191	37	do	do	AUX
fsr-4094	191	38	n’t	not	PART
fsr-4094	191	39	know	know	VERB
fsr-4094	191	40	”	"	PUNCT
fsr-4094	191	41	.	.	PUNCT
fsr-4094	192	1	responses	response	NOUN
fsr-4094	192	2	of	of	ADP
fsr-4094	192	3	6	6	NUM
fsr-4094	192	4	are	be	AUX
fsr-4094	192	5	dropped	drop	VERB
fsr-4094	192	6	from	from	ADP
fsr-4094	192	7	the	the	DET
fsr-4094	192	8	sample	sample	NOUN
fsr-4094	192	9	.	.	PUNCT
fsr-4094	193	1	•	•	NUM
fsr-4094	193	2	survey	survey	NOUN
fsr-4094	193	3	question	question	NOUN
fsr-4094	193	4	“	"	PUNCT
fsr-4094	193	5	educ_4cat	educ_4cat	NOUN
fsr-4094	193	6	”	"	PUNCT
fsr-4094	193	7	is	be	AUX
fsr-4094	193	8	an	an	DET
fsr-4094	193	9	ordinal	ordinal	ADJ
fsr-4094	193	10	variable	variable	NOUN
fsr-4094	193	11	that	that	PRON
fsr-4094	193	12	asks	ask	VERB
fsr-4094	193	13	the	the	DET
fsr-4094	193	14	respondent	respondent	NOUN
fsr-4094	193	15	to	to	ADP
fsr-4094	193	16	self	self	NOUN
fsr-4094	193	17	-	-	PUNCT
fsr-4094	193	18	report	report	VERB
fsr-4094	193	19	their	their	PRON
fsr-4094	193	20	level	level	NOUN
fsr-4094	193	21	of	of	ADP
fsr-4094	193	22	educational	educational	ADJ
fsr-4094	193	23	attainment	attainment	NOUN
fsr-4094	193	24	.	.	PUNCT
fsr-4094	194	1	respondents	respondent	NOUN
fsr-4094	194	2	can	can	AUX
fsr-4094	194	3	answer	answer	VERB
fsr-4094	194	4	1	1	NUM
fsr-4094	194	5	for	for	ADP
fsr-4094	194	6	“	"	PUNCT
fsr-4094	194	7	less	less	ADJ
fsr-4094	194	8	than	than	ADP
fsr-4094	194	9	a	a	DET
fsr-4094	194	10	high	high	ADJ
fsr-4094	194	11	school	school	NOUN
fsr-4094	194	12	degree	degree	NOUN
fsr-4094	194	13	”	"	PUNCT
fsr-4094	194	14	,	,	PUNCT
fsr-4094	194	15	2	2	NUM
fsr-4094	194	16	for	for	ADP
fsr-4094	194	17	“	"	PUNCT
fsr-4094	194	18	high	high	ADJ
fsr-4094	194	19	school	school	NOUN
fsr-4094	194	20	degree	degree	NOUN
fsr-4094	194	21	or	or	CCONJ
fsr-4094	194	22	ged	ge	VERB
fsr-4094	194	23	”	"	PUNCT
fsr-4094	194	24	,	,	PUNCT
fsr-4094	194	25	3	3	NUM
fsr-4094	194	26	for	for	ADP
fsr-4094	194	27	“	"	PUNCT
fsr-4094	194	28	some	some	DET
fsr-4094	194	29	college	college	NOUN
fsr-4094	194	30	/	/	SYM
fsr-4094	194	31	technical	technical	ADJ
fsr-4094	194	32	or	or	CCONJ
fsr-4094	194	33	associate	associate	NOUN
fsr-4094	194	34	’s	’s	PART
fsr-4094	194	35	degree	degree	NOUN
fsr-4094	194	36	”	"	PUNCT
fsr-4094	194	37	,	,	PUNCT
fsr-4094	194	38	or	or	CCONJ
fsr-4094	194	39	4	4	NUM
fsr-4094	194	40	for	for	ADP
fsr-4094	194	41	“	"	PUNCT
fsr-4094	194	42	bachelor	bachelor	NOUN
fsr-4094	194	43	’s	’s	NOUN
fsr-4094	194	44	degree	degree	NOUN
fsr-4094	194	45	or	or	CCONJ
fsr-4094	194	46	more	more	ADJ
fsr-4094	194	47	”	"	PUNCT
fsr-4094	194	48	.	.	PUNCT
fsr-4094	195	1	•	•	NUM
fsr-4094	195	2	survey	survey	NOUN
fsr-4094	195	3	question	question	NOUN
fsr-4094	195	4	“	"	PUNCT
fsr-4094	195	5	at_least_okay	at_least_okay	PROPN
fsr-4094	195	6	”	"	PUNCT
fsr-4094	195	7	is	be	AUX
fsr-4094	195	8	a	a	DET
fsr-4094	195	9	dichotomous	dichotomous	ADJ
fsr-4094	195	10	variable	variable	NOUN
fsr-4094	195	11	that	that	PRON
fsr-4094	195	12	asks	ask	VERB
fsr-4094	195	13	the	the	DET
fsr-4094	195	14	respondent	respondent	NOUN
fsr-4094	195	15	to	to	ADP
fsr-4094	195	16	self	self	NOUN
fsr-4094	195	17	-	-	PUNCT
fsr-4094	195	18	report	report	VERB
fsr-4094	195	19	their	their	PRON
fsr-4094	195	20	subjective	subjective	ADJ
fsr-4094	195	21	financial	financial	ADJ
fsr-4094	195	22	wellbeing	wellbeing	NOUN
fsr-4094	195	23	.	.	PUNCT
fsr-4094	196	1	the	the	DET
fsr-4094	196	2	respondent	respondent	NOUN
fsr-4094	196	3	can	can	AUX
fsr-4094	196	4	answer	answer	VERB
fsr-4094	196	5	1	1	NUM
fsr-4094	196	6	for	for	ADP
fsr-4094	196	7	“	"	PUNCT
fsr-4094	196	8	yes	yes	INTJ
fsr-4094	196	9	”	"	PUNCT
fsr-4094	196	10	or	or	CCONJ
fsr-4094	196	11	0	0	NUM
fsr-4094	196	12	for	for	ADP
fsr-4094	196	13	"	"	PUNCT
fsr-4094	196	14	no	no	NOUN
fsr-4094	196	15	”	"	PUNCT
fsr-4094	196	16	.	.	PUNCT
fsr-4094	197	1	shed	shed	NOUN
fsr-4094	197	2	includes	include	VERB
fsr-4094	197	3	three	three	NUM
fsr-4094	197	4	questions	question	NOUN
fsr-4094	197	5	about	about	ADP
fsr-4094	197	6	basic	basic	ADJ
fsr-4094	197	7	financial	financial	ADJ
fsr-4094	197	8	concepts	concept	NOUN
fsr-4094	197	9	.	.	PUNCT
fsr-4094	198	1	“	"	PUNCT
fsr-4094	198	2	fl2	fl2	PROPN
fsr-4094	198	3	”	"	PUNCT
fsr-4094	198	4	asks	ask	VERB
fsr-4094	198	5	the	the	DET
fsr-4094	198	6	question	question	NOUN
fsr-4094	198	7	,	,	PUNCT
fsr-4094	198	8	“	"	PUNCT
fsr-4094	198	9	do	do	AUX
fsr-4094	198	10	you	you	PRON
fsr-4094	198	11	think	think	VERB
fsr-4094	198	12	the	the	DET
fsr-4094	198	13	following	follow	VERB
fsr-4094	198	14	statement	statement	NOUN
fsr-4094	198	15	is	be	AUX
fsr-4094	198	16	true	true	ADJ
fsr-4094	198	17	or	or	CCONJ
fsr-4094	198	18	false	false	ADJ
fsr-4094	198	19	?	?	PUNCT
fsr-4094	199	1	‘	'	PUNCT
fsr-4094	199	2	buying	buy	VERB
fsr-4094	199	3	a	a	DET
fsr-4094	199	4	single	single	ADJ
fsr-4094	199	5	company	company	NOUN
fsr-4094	199	6	’s	’s	PART
fsr-4094	199	7	stock	stock	NOUN
fsr-4094	199	8	usually	usually	ADV
fsr-4094	199	9	provides	provide	VERB
fsr-4094	199	10	a	a	DET
fsr-4094	199	11	safer	safe	ADJ
fsr-4094	199	12	return	return	NOUN
fsr-4094	199	13	than	than	ADP
fsr-4094	199	14	a	a	DET
fsr-4094	199	15	stock	stock	NOUN
fsr-4094	199	16	mutual	mutual	ADJ
fsr-4094	199	17	fund	fund	NOUN
fsr-4094	199	18	.	.	PUNCT
fsr-4094	199	19	’	'	PUNCT
fsr-4094	199	20	”	"	PUNCT
fsr-4094	200	1	the	the	DET
fsr-4094	200	2	respondent	respondent	NOUN
fsr-4094	200	3	can	can	AUX
fsr-4094	200	4	answer	answer	VERB
fsr-4094	200	5	1	1	NUM
fsr-4094	200	6	for	for	ADP
fsr-4094	200	7	“	"	PUNCT
fsr-4094	200	8	true	true	ADJ
fsr-4094	200	9	”	"	PUNCT
fsr-4094	200	10	,	,	PUNCT
fsr-4094	200	11	2	2	NUM
fsr-4094	200	12	for	for	ADP
fsr-4094	200	13	“	"	PUNCT
fsr-4094	200	14	false	false	ADJ
fsr-4094	200	15	”	"	PUNCT
fsr-4094	200	16	,	,	PUNCT
fsr-4094	200	17	or	or	CCONJ
fsr-4094	200	18	-2	-2	INTJ
fsr-4094	200	19	for	for	SCONJ
fsr-4094	200	20	"	"	PUNCT
fsr-4094	200	21	do	do	AUX
fsr-4094	200	22	n’t	not	PART
fsr-4094	200	23	know	know	VERB
fsr-4094	200	24	.	.	PUNCT
fsr-4094	200	25	”	"	PUNCT
fsr-4094	201	1	“	"	PUNCT
fsr-4094	201	2	fl4	fl4	PROPN
fsr-4094	201	3	”	"	PUNCT
fsr-4094	201	4	asks	ask	VERB
fsr-4094	201	5	the	the	DET
fsr-4094	201	6	question	question	NOUN
fsr-4094	201	7	“	"	PUNCT
fsr-4094	201	8	imagine	imagine	VERB
fsr-4094	201	9	that	that	SCONJ
fsr-4094	201	10	the	the	DET
fsr-4094	201	11	interest	interest	NOUN
fsr-4094	201	12	rate	rate	NOUN
fsr-4094	201	13	on	on	ADP
fsr-4094	201	14	your	your	PRON
fsr-4094	201	15	savings	saving	NOUN
fsr-4094	201	16	account	account	NOUN
fsr-4094	201	17	was	be	AUX
fsr-4094	201	18	1	1	NUM
fsr-4094	201	19	%	%	NOUN
fsr-4094	201	20	per	per	ADP
fsr-4094	201	21	year	year	NOUN
fsr-4094	201	22	and	and	CCONJ
fsr-4094	201	23	inflation	inflation	NOUN
fsr-4094	201	24	was	be	AUX
fsr-4094	201	25	2	2	NUM
fsr-4094	201	26	%	%	NOUN
fsr-4094	201	27	per	per	ADP
fsr-4094	201	28	year	year	NOUN
fsr-4094	201	29	.	.	PUNCT
fsr-4094	202	1	after	after	ADP
fsr-4094	202	2	1	1	NUM
fsr-4094	202	3	year	year	NOUN
fsr-4094	202	4	,	,	PUNCT
fsr-4094	202	5	how	how	SCONJ
fsr-4094	202	6	much	much	ADJ
fsr-4094	202	7	would	would	AUX
fsr-4094	202	8	you	you	PRON
fsr-4094	202	9	be	be	AUX
fsr-4094	202	10	able	able	ADJ
fsr-4094	202	11	to	to	PART
fsr-4094	202	12	buy	buy	VERB
fsr-4094	202	13	with	with	ADP
fsr-4094	202	14	the	the	DET
fsr-4094	202	15	money	money	NOUN
fsr-4094	202	16	in	in	ADP
fsr-4094	202	17	this	this	DET
fsr-4094	202	18	account	account	NOUN
fsr-4094	202	19	?	?	PUNCT
fsr-4094	202	20	”	"	PUNCT
fsr-4094	203	1	the	the	DET
fsr-4094	203	2	respondent	respondent	NOUN
fsr-4094	203	3	can	can	AUX
fsr-4094	203	4	answer	answer	VERB
fsr-4094	203	5	1	1	NUM
fsr-4094	203	6	for	for	ADP
fsr-4094	203	7	“	"	PUNCT
fsr-4094	203	8	more	more	ADJ
fsr-4094	203	9	than	than	ADP
fsr-4094	203	10	today	today	NOUN
fsr-4094	203	11	”	"	PUNCT
fsr-4094	203	12	,	,	PUNCT
fsr-4094	203	13	2	2	NUM
fsr-4094	203	14	for	for	ADP
fsr-4094	203	15	“	"	PUNCT
fsr-4094	203	16	exactly	exactly	ADV
fsr-4094	203	17	the	the	DET
fsr-4094	203	18	same	same	ADJ
fsr-4094	203	19	”	"	PUNCT
fsr-4094	203	20	,	,	PUNCT
fsr-4094	203	21	or	or	CCONJ
fsr-4094	203	22	3	3	NUM
fsr-4094	203	23	for	for	ADP
fsr-4094	203	24	“	"	PUNCT
fsr-4094	203	25	less	less	ADJ
fsr-4094	203	26	than	than	ADP
fsr-4094	203	27	today	today	NOUN
fsr-4094	203	28	.	.	PUNCT
fsr-4094	203	29	”	"	PUNCT
fsr-4094	204	1	“	"	PUNCT
fsr-4094	204	2	fl5	fl5	PROPN
fsr-4094	204	3	”	"	PUNCT
fsr-4094	204	4	asks	ask	VERB
fsr-4094	204	5	the	the	DET
fsr-4094	204	6	respondent	respondent	NOUN
fsr-4094	204	7	“	"	PUNCT
fsr-4094	204	8	suppose	suppose	VERB
fsr-4094	204	9	you	you	PRON
fsr-4094	204	10	had	have	VERB
fsr-4094	204	11	$	$	SYM
fsr-4094	204	12	100	100	NUM
fsr-4094	204	13	in	in	ADP
fsr-4094	204	14	a	a	DET
fsr-4094	204	15	savings	saving	NOUN
fsr-4094	204	16	account	account	NOUN
fsr-4094	204	17	and	and	CCONJ
fsr-4094	204	18	the	the	DET
fsr-4094	204	19	interest	interest	NOUN
fsr-4094	204	20	rate	rate	NOUN
fsr-4094	204	21	was	be	AUX
fsr-4094	204	22	2	2	NUM
fsr-4094	204	23	%	%	NOUN
fsr-4094	204	24	per	per	ADP
fsr-4094	204	25	year	year	NOUN
fsr-4094	204	26	.	.	PUNCT
fsr-4094	205	1	after	after	ADP
fsr-4094	205	2	5	5	NUM
fsr-4094	205	3	years	year	NOUN
fsr-4094	205	4	,	,	PUNCT
fsr-4094	205	5	how	how	SCONJ
fsr-4094	205	6	much	much	ADJ
fsr-4094	205	7	do	do	AUX
fsr-4094	205	8	you	you	PRON
fsr-4094	205	9	think	think	VERB
fsr-4094	205	10	you	you	PRON
fsr-4094	205	11	would	would	AUX
fsr-4094	205	12	have	have	VERB
fsr-4094	205	13	in	in	ADP
fsr-4094	205	14	the	the	DET
fsr-4094	205	15	account	account	NOUN
fsr-4094	205	16	if	if	SCONJ
fsr-4094	205	17	you	you	PRON
fsr-4094	205	18	left	leave	VERB
fsr-4094	205	19	the	the	DET
fsr-4094	205	20	money	money	NOUN
fsr-4094	205	21	to	to	PART
fsr-4094	205	22	grow	grow	VERB
fsr-4094	205	23	?	?	PUNCT
fsr-4094	205	24	”	"	PUNCT
fsr-4094	206	1	the	the	DET
fsr-4094	206	2	respondent	respondent	NOUN
fsr-4094	206	3	can	can	AUX
fsr-4094	206	4	answer	answer	VERB
fsr-4094	206	5	1	1	NUM
fsr-4094	206	6	for	for	ADP
fsr-4094	206	7	“	"	PUNCT
fsr-4094	206	8	more	more	ADJ
fsr-4094	206	9	than	than	ADP
fsr-4094	206	10	$	$	SYM
fsr-4094	206	11	102	102	NUM
fsr-4094	206	12	”	"	PUNCT
fsr-4094	206	13	,	,	PUNCT
fsr-4094	206	14	2	2	NUM
fsr-4094	206	15	for	for	ADP
fsr-4094	206	16	“	"	PUNCT
fsr-4094	206	17	exactly	exactly	ADV
fsr-4094	206	18	$	$	SYM
fsr-4094	206	19	102	102	NUM
fsr-4094	206	20	”	"	PUNCT
fsr-4094	206	21	,	,	PUNCT
fsr-4094	206	22	3	3	NUM
fsr-4094	206	23	for	for	ADP
fsr-4094	206	24	“	"	PUNCT
fsr-4094	206	25	less	less	ADJ
fsr-4094	206	26	than	than	ADP
fsr-4094	206	27	$	$	SYM
fsr-4094	206	28	102	102	NUM
fsr-4094	206	29	”	"	PUNCT
fsr-4094	206	30	or	or	CCONJ
fsr-4094	206	31	-2	-2	INTJ
fsr-4094	206	32	for	for	AUX
fsr-4094	206	33	“	"	PUNCT
fsr-4094	206	34	do	do	AUX
fsr-4094	206	35	n’t	not	PART
fsr-4094	206	36	know	know	VERB
fsr-4094	206	37	”	"	PUNCT
fsr-4094	206	38	.	.	PUNCT
fsr-4094	207	1	using	use	VERB
fsr-4094	207	2	these	these	DET
fsr-4094	207	3	three	three	NUM
fsr-4094	207	4	questions	question	NOUN
fsr-4094	207	5	,	,	PUNCT
fsr-4094	207	6	we	we	PRON
fsr-4094	207	7	construct	construct	VERB
fsr-4094	207	8	an	an	DET
fsr-4094	207	9	ordinal	ordinal	ADJ
fsr-4094	207	10	variable	variable	NOUN
fsr-4094	207	11	that	that	PRON
fsr-4094	207	12	measures	measure	VERB
fsr-4094	207	13	the	the	DET
fsr-4094	207	14	respondent	respondent	NOUN
fsr-4094	207	15	’s	’s	PART
fsr-4094	207	16	total	total	ADJ
fsr-4094	207	17	number	number	NOUN
fsr-4094	207	18	of	of	ADP
fsr-4094	207	19	correct	correct	ADJ
fsr-4094	207	20	answers	answer	NOUN
fsr-4094	207	21	for	for	ADP
fsr-4094	207	22	all	all	DET
fsr-4094	207	23	the	the	DET
fsr-4094	207	24	financial	financial	ADJ
fsr-4094	207	25	literacy	literacy	NOUN
fsr-4094	207	26	questions	question	NOUN
fsr-4094	207	27	above	above	ADP
fsr-4094	207	28	(	(	PUNCT
fsr-4094	207	29	fl2	fl2	PROPN
fsr-4094	207	30	,	,	PUNCT
fsr-4094	207	31	fl4	fl4	PROPN
fsr-4094	207	32	,	,	PUNCT
fsr-4094	207	33	fl5	fl5	NOUN
fsr-4094	207	34	)	)	PUNCT
fsr-4094	207	35	.	.	PUNCT
fsr-4094	208	1	this	this	DET
fsr-4094	208	2	variable	variable	NOUN
fsr-4094	208	3	is	be	AUX
fsr-4094	208	4	0	0	NUM
fsr-4094	208	5	if	if	SCONJ
fsr-4094	208	6	the	the	DET
fsr-4094	208	7	respondent	respondent	NOUN
fsr-4094	208	8	answered	answer	VERB
fsr-4094	208	9	0	0	NUM
fsr-4094	208	10	questions	question	NOUN
fsr-4094	208	11	correct	correct	ADJ
fsr-4094	208	12	,	,	PUNCT
fsr-4094	208	13	7.14	7.14	NUM
fsr-4094	208	14	%	%	NOUN
fsr-4094	208	15	of	of	ADP
fsr-4094	208	16	respondents	respondent	NOUN
fsr-4094	208	17	,	,	PUNCT
fsr-4094	208	18	1	1	NUM
fsr-4094	208	19	if	if	SCONJ
fsr-4094	208	20	the	the	DET
fsr-4094	208	21	respondent	respondent	NOUN
fsr-4094	208	22	answered	answer	VERB
fsr-4094	208	23	1	1	NUM
fsr-4094	208	24	question	question	NOUN
fsr-4094	208	25	correctly	correctly	ADV
fsr-4094	208	26	,	,	PUNCT
fsr-4094	208	27	13.27	13.27	NUM
fsr-4094	208	28	%	%	NOUN
fsr-4094	208	29	of	of	ADP
fsr-4094	208	30	respondents	respondent	NOUN
fsr-4094	208	31	,	,	PUNCT
fsr-4094	208	32	2	2	NUM
fsr-4094	208	33	if	if	SCONJ
fsr-4094	208	34	the	the	DET
fsr-4094	208	35	respondent	respondent	NOUN
fsr-4094	208	36	answered	answer	VERB
fsr-4094	208	37	2	2	NUM
fsr-4094	208	38	questions	question	NOUN
fsr-4094	208	39	correctly	correctly	ADV
fsr-4094	208	40	,	,	PUNCT
fsr-4094	208	41	26.3	26.3	NUM
fsr-4094	208	42	%	%	NOUN
fsr-4094	208	43	of	of	ADP
fsr-4094	208	44	respondents	respondent	NOUN
fsr-4094	208	45	,	,	PUNCT
fsr-4094	208	46	and	and	CCONJ
fsr-4094	208	47	3	3	NUM
fsr-4094	208	48	if	if	SCONJ
fsr-4094	208	49	the	the	DET
fsr-4094	208	50	respondent	respondent	NOUN
fsr-4094	208	51	answered	answer	VERB
fsr-4094	208	52	all	all	DET
fsr-4094	208	53	three	three	NUM
fsr-4094	208	54	questions	question	NOUN
fsr-4094	208	55	correctly	correctly	ADV
fsr-4094	208	56	,	,	PUNCT
fsr-4094	208	57	53.28	53.28	NUM
fsr-4094	208	58	%	%	NOUN
fsr-4094	208	59	of	of	ADP
fsr-4094	208	60	respondents	respondent	NOUN
fsr-4094	208	61	.	.	PUNCT
fsr-4094	209	1	survey	survey	NOUN
fsr-4094	209	2	question	question	NOUN
fsr-4094	209	3	“	"	PUNCT
fsr-4094	209	4	ppemploy	ppemploy	NOUN
fsr-4094	209	5	”	"	PUNCT
fsr-4094	209	6	is	be	AUX
fsr-4094	209	7	an	an	DET
fsr-4094	209	8	ordinal	ordinal	ADJ
fsr-4094	209	9	variable	variable	NOUN
fsr-4094	209	10	that	that	PRON
fsr-4094	209	11	asks	ask	VERB
fsr-4094	209	12	the	the	DET
fsr-4094	209	13	respondent	respondent	NOUN
fsr-4094	209	14	to	to	PART
fsr-4094	209	15	report	report	VERB
fsr-4094	209	16	their	their	PRON
fsr-4094	209	17	current	current	ADJ
fsr-4094	209	18	employment	employment	NOUN
fsr-4094	209	19	status	status	NOUN
fsr-4094	209	20	.	.	PUNCT
fsr-4094	210	1	respondents	respondent	NOUN
fsr-4094	210	2	can	can	AUX
fsr-4094	210	3	answer	answer	VERB
fsr-4094	210	4	1	1	NUM
fsr-4094	210	5	for	for	ADP
fsr-4094	210	6	“	"	PUNCT
fsr-4094	210	7	working	work	VERB
fsr-4094	210	8	full	full	ADJ
fsr-4094	210	9	-	-	PUNCT
fsr-4094	210	10	time	time	NOUN
fsr-4094	210	11	”	"	PUNCT
fsr-4094	210	12	,	,	PUNCT
fsr-4094	210	13	2	2	NUM
fsr-4094	210	14	for	for	ADP
fsr-4094	210	15	“	"	PUNCT
fsr-4094	210	16	working	work	VERB
fsr-4094	210	17	part	part	ADJ
fsr-4094	210	18	-	-	PUNCT
fsr-4094	210	19	time	time	NOUN
fsr-4094	210	20	”	"	PUNCT
fsr-4094	210	21	,	,	PUNCT
fsr-4094	210	22	or	or	CCONJ
fsr-4094	210	23	3	3	NUM
fsr-4094	210	24	for	for	ADP
fsr-4094	210	25	“	"	PUNCT
fsr-4094	210	26	not	not	PART
fsr-4094	210	27	working	work	VERB
fsr-4094	210	28	”	"	PUNCT
fsr-4094	210	29	.	.	PUNCT
fsr-4094	211	1	we	we	PRON
fsr-4094	211	2	create	create	VERB
fsr-4094	211	3	a	a	DET
fsr-4094	211	4	dichotomous	dichotomous	ADJ
fsr-4094	211	5	variable	variable	NOUN
fsr-4094	211	6	that	that	PRON
fsr-4094	211	7	is	be	AUX
fsr-4094	211	8	coded	code	VERB
fsr-4094	211	9	as	as	ADP
fsr-4094	211	10	1	1	NUM
fsr-4094	211	11	if	if	SCONJ
fsr-4094	211	12	the	the	DET
fsr-4094	211	13	respondent	respondent	NOUN
fsr-4094	211	14	reported	report	VERB
fsr-4094	211	15	1	1	NUM
fsr-4094	211	16	on	on	ADP
fsr-4094	211	17	ppemoly	ppemoly	ADJ
fsr-4094	211	18	and	and	CCONJ
fsr-4094	211	19	0	0	NUM
fsr-4094	211	20	otherwise	otherwise	ADV
fsr-4094	211	21	.	.	PUNCT
fsr-4094	212	1	survey	survey	NOUN
fsr-4094	212	2	question	question	NOUN
fsr-4094	212	3	“	"	PUNCT
fsr-4094	212	4	ppage	ppage	NOUN
fsr-4094	212	5	”	"	PUNCT
fsr-4094	212	6	is	be	AUX
fsr-4094	212	7	a	a	DET
fsr-4094	212	8	continuous	continuous	ADJ
fsr-4094	212	9	variable	variable	NOUN
fsr-4094	212	10	that	that	PRON
fsr-4094	212	11	allows	allow	VERB
fsr-4094	212	12	the	the	DET
fsr-4094	212	13	respondent	respondent	NOUN
fsr-4094	212	14	to	to	PART
fsr-4094	212	15	enter	enter	VERB
fsr-4094	212	16	current	current	ADJ
fsr-4094	212	17	age	age	NOUN
fsr-4094	212	18	.	.	PUNCT
fsr-4094	213	1	model	model	NOUN
fsr-4094	213	2	this	this	DET
fsr-4094	213	3	paper	paper	NOUN
fsr-4094	213	4	examines	examine	VERB
fsr-4094	213	5	the	the	DET
fsr-4094	213	6	association	association	NOUN
fsr-4094	213	7	between	between	ADP
fsr-4094	213	8	the	the	DET
fsr-4094	213	9	use	use	NOUN
fsr-4094	213	10	of	of	ADP
fsr-4094	213	11	alternative	alternative	ADJ
fsr-4094	213	12	financial	financial	ADJ
fsr-4094	213	13	services	service	NOUN
fsr-4094	213	14	and	and	CCONJ
fsr-4094	213	15	the	the	DET
fsr-4094	213	16	intention	intention	NOUN
fsr-4094	213	17	of	of	ADP
fsr-4094	213	18	holding	hold	VERB
fsr-4094	213	19	or	or	CCONJ
fsr-4094	213	20	using	use	VERB
fsr-4094	213	21	cryptocurrency	cryptocurrency	NOUN
fsr-4094	213	22	for	for	ADP
fsr-4094	213	23	:	:	PUNCT
fsr-4094	213	24	investment	investment	NOUN
fsr-4094	213	25	purposes	purpose	NOUN
fsr-4094	213	26	,	,	PUNCT
fsr-4094	213	27	making	make	VERB
fsr-4094	213	28	payments	payment	NOUN
fsr-4094	213	29	,	,	PUNCT
fsr-4094	213	30	and	and	CCONJ
fsr-4094	213	31	for	for	ADP
fsr-4094	213	32	using	use	VERB
fsr-4094	213	33	to	to	PART
fsr-4094	213	34	send	send	VERB
fsr-4094	213	35	to	to	ADP
fsr-4094	213	36	friends	friend	NOUN
fsr-4094	213	37	or	or	CCONJ
fsr-4094	213	38	family	family	NOUN
fsr-4094	213	39	.	.	PUNCT
fsr-4094	214	1	to	to	PART
fsr-4094	214	2	accomplish	accomplish	VERB
fsr-4094	214	3	this	this	PRON
fsr-4094	214	4	,	,	PUNCT
fsr-4094	214	5	we	we	PRON
fsr-4094	214	6	use	use	VERB
fsr-4094	214	7	three	three	NUM
fsr-4094	214	8	separate	separate	ADJ
fsr-4094	214	9	logistical	logistical	ADJ
fsr-4094	214	10	regression	regression	NOUN
fsr-4094	214	11	analyses	analysis	NOUN
fsr-4094	214	12	;	;	PUNCT
fsr-4094	214	13	the	the	DET
fsr-4094	214	14	three	three	NUM
fsr-4094	214	15	resulting	result	VERB
fsr-4094	214	16	models	model	NOUN
fsr-4094	214	17	are	be	AUX
fsr-4094	214	18	as	as	ADV
fsr-4094	214	19	follow	follow	NOUN
fsr-4094	214	20	:	:	PUNCT
fsr-4094	214	21	where	where	SCONJ
fsr-4094	214	22	the	the	DET
fsr-4094	214	23	latent	latent	NOUN
fsr-4094	214	24	variable	variable	NOUN
fsr-4094	214	25	,	,	PUNCT
fsr-4094	214	26	𝐼𝑖	𝐼𝑖	PROPN
fsr-4094	214	27	;	;	PUNCT
fsr-4094	214	28	is	be	AUX
fsr-4094	214	29	the	the	DET
fsr-4094	214	30	unobserved	unobserved	ADJ
fsr-4094	214	31	net	net	ADJ
fsr-4094	214	32	benefit	benefit	NOUN
fsr-4094	214	33	of	of	ADP
fsr-4094	214	34	holding	hold	VERB
fsr-4094	214	35	cryptocurrency	cryptocurrency	NOUN
fsr-4094	214	36	as	as	ADP
fsr-4094	214	37	an	an	DET
fsr-4094	214	38	investment	investment	NOUN
fsr-4094	214	39	for	for	ADP
fsr-4094	214	40	individual	individual	ADJ
fsr-4094	214	41	𝑖.	𝑖.	VERB
fsr-4094	214	42	the	the	DET
fsr-4094	214	43	variable	variable	ADJ
fsr-4094	214	44	𝐼𝑖	𝐼𝑖	PROPN
fsr-4094	214	45	is	be	AUX
fsr-4094	214	46	the	the	DET
fsr-4094	214	47	observed	observe	VERB
fsr-4094	214	48	dichotomous	dichotomous	ADJ
fsr-4094	214	49	decision	decision	NOUN
fsr-4094	214	50	of	of	ADP
fsr-4094	214	51	individual	individual	ADJ
fsr-4094	214	52	i	i	PRON
fsr-4094	214	53	to	to	PART
fsr-4094	214	54	hold	hold	VERB
fsr-4094	214	55	cryptocurrency	cryptocurrency	NOUN
fsr-4094	214	56	as	as	ADP
fsr-4094	214	57	an	an	DET
fsr-4094	214	58	investment	investment	NOUN
fsr-4094	214	59	.	.	PUNCT
fsr-4094	215	1	likewise	likewise	ADV
fsr-4094	215	2	,	,	PUNCT
fsr-4094	215	3	the	the	DET
fsr-4094	215	4	latent	latent	NOUN
fsr-4094	215	5	variable	variable	NOUN
fsr-4094	215	6	,	,	PUNCT
fsr-4094	215	7	𝑃𝑖	𝑃𝑖	ADP
fsr-4094	215	8	;	;	PUNCT
fsr-4094	215	9	is	be	AUX
fsr-4094	215	10	the	the	DET
fsr-4094	215	11	unobserved	unobserved	ADJ
fsr-4094	215	12	net	net	ADJ
fsr-4094	215	13	benefit	benefit	NOUN
fsr-4094	215	14	of	of	ADP
fsr-4094	215	15	using	use	VERB
fsr-4094	215	16	cryptocurrency	cryptocurrency	NOUN
fsr-4094	215	17	to	to	PART
fsr-4094	215	18	buy	buy	VERB
fsr-4094	215	19	something	something	PRON
fsr-4094	215	20	or	or	CCONJ
fsr-4094	215	21	make	make	VERB
fsr-4094	215	22	a	a	DET
fsr-4094	215	23	payment	payment	NOUN
fsr-4094	215	24	for	for	ADP
fsr-4094	215	25	individual	individual	ADJ
fsr-4094	215	26	𝑖.	𝑖.	VERB
fsr-4094	215	27	the	the	DET
fsr-4094	215	28	variable	variable	NOUN
fsr-4094	215	29	𝑃𝑖	𝑃𝑖	ADP
fsr-4094	215	30	is	be	AUX
fsr-4094	215	31	the	the	DET
fsr-4094	215	32	observed	observe	VERB
fsr-4094	215	33	dichotomous	dichotomous	ADJ
fsr-4094	215	34	decision	decision	NOUN
fsr-4094	215	35	of	of	ADP
fsr-4094	215	36	individual	individual	ADJ
fsr-4094	215	37	i	i	PRON
fsr-4094	215	38	to	to	PART
fsr-4094	215	39	use	use	VERB
fsr-4094	215	40	cryptocurrency	cryptocurrency	NOUN
fsr-4094	215	41	to	to	PART
fsr-4094	215	42	buy	buy	VERB
fsr-4094	215	43	𝐼𝑖	𝐼𝑖	PROPN
fsr-4094	215	44	=	=	SYM
fsr-4094	215	45	𝛼0	𝛼0	PROPN
fsr-4094	215	46	+	+	CCONJ
fsr-4094	215	47	𝛼1𝐴𝐹𝑆𝑖	𝛼1𝐴𝐹𝑆𝑖	PROPN
fsr-4094	215	48	+	+	CCONJ
fsr-4094	215	49	𝛼𝑘𝑋𝑖	𝛼𝑘𝑋𝑖	PROPN
fsr-4094	215	50	+	+	NOUN
fsr-4094	215	51	𝜀𝑖	𝜀𝑖	NOUN
fsr-4094	215	52	[	[	NOUN
fsr-4094	215	53	1.1	1.1	NUM
fsr-4094	215	54	]	]	PUNCT
fsr-4094	215	55	𝑃𝑖	𝑃𝑖	ADP
fsr-4094	215	56	=	=	SYM
fsr-4094	215	57	𝛽0	𝛽0	PROPN
fsr-4094	215	58	+	+	CCONJ
fsr-4094	215	59	𝛽1𝐴𝐹𝑆𝑖	𝛽1𝐴𝐹𝑆𝑖	PROPN
fsr-4094	215	60	+	+	CCONJ
fsr-4094	215	61	𝛽𝑘𝑋𝑖	𝛽𝑘𝑋𝑖	PROPN
fsr-4094	216	1	+	+	NOUN
fsr-4094	216	2	𝜃𝑖	𝜃𝑖	X
fsr-4094	216	3	[	[	X
fsr-4094	216	4	1.2	1.2	NUM
fsr-4094	216	5	]	]	X
fsr-4094	216	6	𝑅𝑖	𝑅𝑖	PROPN
fsr-4094	216	7	=	=	SYM
fsr-4094	216	8	𝛾0	𝛾0	PROPN
fsr-4094	216	9	+	+	CCONJ
fsr-4094	216	10	𝛾1𝐴𝐹𝑆𝑖	𝛾1𝐴𝐹𝑆𝑖	PROPN
fsr-4094	216	11	+	+	CCONJ
fsr-4094	216	12	𝛾𝑘𝑋𝑖	𝛾𝑘𝑋𝑖	NOUN
fsr-4094	216	13	+	+	NOUN
fsr-4094	216	14	𝜆𝑖	𝜆𝑖	PROPN
fsr-4094	216	15	[	[	X
fsr-4094	216	16	1.3	1.3	NUM
fsr-4094	216	17	]	]	X
fsr-4094	216	18	𝐼𝑖	𝐼𝑖	PROPN
fsr-4094	216	19	=	=	SYM
fsr-4094	216	20	{	{	PUNCT
fsr-4094	216	21	1	1	NUM
fsr-4094	216	22	if	if	SCONJ
fsr-4094	216	23	𝐼𝑖	𝐼𝑖	PROPN
fsr-4094	216	24	1	1	NUM
fsr-4094	216	25	>	>	SYM
fsr-4094	216	26	0	0	NUM
fsr-4094	216	27	0	0	NUM
fsr-4094	216	28	𝑖f	𝑖f	NUM
fsr-4094	216	29	𝐼	𝐼	ADP
fsr-4094	216	30	≤	≤	ADV
fsr-4094	216	31	0	0	NUM
fsr-4094	216	32	}	}	PUNCT
fsr-4094	216	33	𝑃𝑖	𝑃𝑖	ADP
fsr-4094	216	34	=	=	PUNCT
fsr-4094	216	35	{	{	PUNCT
fsr-4094	216	36	1	1	NUM
fsr-4094	216	37	if	if	SCONJ
fsr-4094	216	38	𝑃𝑖	𝑃𝑖	ADP
fsr-4094	216	39	>	>	X
fsr-4094	216	40	0	0	NUM
fsr-4094	216	41	0	0	PUNCT
fsr-4094	217	1	if	if	SCONJ
fsr-4094	217	2	𝑃𝑖	𝑃𝑖	ADP
fsr-4094	217	3	≤	≤	NOUN
fsr-4094	217	4	0	0	NUM
fsr-4094	217	5	}	}	PUNCT
fsr-4094	217	6	𝑅𝑖	𝑅𝑖	PROPN
fsr-4094	217	7	=	=	PUNCT
fsr-4094	217	8	{	{	PUNCT
fsr-4094	217	9	1	1	NUM
fsr-4094	217	10	if	if	SCONJ
fsr-4094	217	11	𝑅𝑖	𝑅𝑖	PROPN
fsr-4094	217	12	>	>	X
fsr-4094	217	13	0	0	NUM
fsr-4094	217	14	0	0	PUNCT
fsr-4094	217	15	if	if	SCONJ
fsr-4094	217	16	𝑅𝑖	𝑅𝑖	PROPN
fsr-4094	217	17	≤	≤	ADV
fsr-4094	217	18	0	0	NUM
fsr-4094	217	19	}	}	PUNCT
fsr-4094	217	20	curnutt	curnutt	NOUN
fsr-4094	217	21	and	and	CCONJ
fsr-4094	217	22	smith	smith	NOUN
fsr-4094	217	23	133	133	NUM
fsr-4094	217	24	something	something	PRON
fsr-4094	217	25	or	or	CCONJ
fsr-4094	217	26	make	make	VERB
fsr-4094	217	27	a	a	DET
fsr-4094	217	28	payment	payment	NOUN
fsr-4094	217	29	,	,	PUNCT
fsr-4094	217	30	for	for	ADP
fsr-4094	217	31	individual	individual	ADJ
fsr-4094	217	32	𝑖.	𝑖.	ADP
fsr-4094	217	33	the	the	DET
fsr-4094	217	34	latent	latent	NOUN
fsr-4094	217	35	variable	variable	NOUN
fsr-4094	217	36	,	,	PUNCT
fsr-4094	217	37	𝑅𝑖	𝑅𝑖	PROPN
fsr-4094	217	38	;	;	PUNCT
fsr-4094	217	39	is	be	AUX
fsr-4094	217	40	the	the	DET
fsr-4094	217	41	unobserved	unobserved	ADJ
fsr-4094	217	42	net	net	ADJ
fsr-4094	217	43	benefit	benefit	NOUN
fsr-4094	217	44	of	of	ADP
fsr-4094	217	45	using	use	VERB
fsr-4094	217	46	cryptocurrency	cryptocurrency	NOUN
fsr-4094	217	47	to	to	PART
fsr-4094	217	48	send	send	VERB
fsr-4094	217	49	money	money	NOUN
fsr-4094	217	50	to	to	ADP
fsr-4094	217	51	friends	friend	NOUN
fsr-4094	217	52	or	or	CCONJ
fsr-4094	217	53	family	family	NOUN
fsr-4094	217	54	for	for	ADP
fsr-4094	217	55	individual	individual	ADJ
fsr-4094	217	56	𝑖.	𝑖.	VERB
fsr-4094	217	57	the	the	DET
fsr-4094	217	58	variable	variable	NOUN
fsr-4094	217	59	𝑃𝑖	𝑃𝑖	SCONJ
fsr-4094	217	60	is	be	AUX
fsr-4094	217	61	the	the	DET
fsr-4094	217	62	observed	observe	VERB
fsr-4094	217	63	dichotomous	dichotomous	ADJ
fsr-4094	217	64	decision	decision	NOUN
fsr-4094	217	65	of	of	ADP
fsr-4094	217	66	individual	individual	ADJ
fsr-4094	217	67	i	i	PRON
fsr-4094	217	68	to	to	PART
fsr-4094	217	69	use	use	VERB
fsr-4094	217	70	cryptocurrency	cryptocurrency	NOUN
fsr-4094	217	71	to	to	PART
fsr-4094	217	72	send	send	VERB
fsr-4094	217	73	money	money	NOUN
fsr-4094	217	74	to	to	ADP
fsr-4094	217	75	friends	friend	NOUN
fsr-4094	217	76	or	or	CCONJ
fsr-4094	217	77	family	family	NOUN
fsr-4094	217	78	,	,	PUNCT
fsr-4094	217	79	for	for	ADP
fsr-4094	217	80	individual	individual	ADJ
fsr-4094	217	81	𝑖.	𝑖.	ADJ
fsr-4094	217	82	afs	afs	NOUN
fsr-4094	217	83	is	be	AUX
fsr-4094	217	84	a	a	DET
fsr-4094	217	85	matrix	matrix	NOUN
fsr-4094	217	86	of	of	ADP
fsr-4094	217	87	the	the	DET
fsr-4094	217	88	seven	seven	NUM
fsr-4094	217	89	variables	variable	NOUN
fsr-4094	217	90	that	that	PRON
fsr-4094	217	91	indicate	indicate	VERB
fsr-4094	217	92	the	the	DET
fsr-4094	217	93	use	use	NOUN
fsr-4094	217	94	of	of	ADP
fsr-4094	217	95	alternative	alternative	ADJ
fsr-4094	217	96	financial	financial	ADJ
fsr-4094	217	97	services	service	NOUN
fsr-4094	217	98	.	.	PUNCT
fsr-4094	218	1	these	these	DET
fsr-4094	218	2	variables	variable	NOUN
fsr-4094	218	3	include	include	VERB
fsr-4094	218	4	having	have	VERB
fsr-4094	218	5	a	a	DET
fsr-4094	218	6	bank	bank	NOUN
fsr-4094	218	7	account	account	NOUN
fsr-4094	218	8	,	,	PUNCT
fsr-4094	218	9	purchasing	purchase	VERB
fsr-4094	218	10	money	money	NOUN
fsr-4094	218	11	orders	order	NOUN
fsr-4094	218	12	from	from	ADP
fsr-4094	218	13	places	place	NOUN
fsr-4094	218	14	other	other	ADJ
fsr-4094	218	15	than	than	ADP
fsr-4094	218	16	a	a	DET
fsr-4094	218	17	bank	bank	NOUN
fsr-4094	218	18	,	,	PUNCT
fsr-4094	218	19	cash	cash	NOUN
fsr-4094	218	20	check	check	NOUN
fsr-4094	218	21	at	at	ADP
fsr-4094	218	22	places	place	NOUN
fsr-4094	218	23	other	other	ADJ
fsr-4094	218	24	than	than	ADP
fsr-4094	218	25	a	a	DET
fsr-4094	218	26	bank	bank	NOUN
fsr-4094	218	27	,	,	PUNCT
fsr-4094	218	28	use	use	NOUN
fsr-4094	218	29	of	of	ADP
fsr-4094	218	30	a	a	DET
fsr-4094	218	31	payday	payday	NOUN
fsr-4094	218	32	loan	loan	NOUN
fsr-4094	218	33	,	,	PUNCT
fsr-4094	218	34	use	use	NOUN
fsr-4094	218	35	of	of	ADP
fsr-4094	218	36	a	a	DET
fsr-4094	218	37	pawnshop	pawnshop	NOUN
fsr-4094	218	38	or	or	CCONJ
fsr-4094	218	39	title	title	NOUN
fsr-4094	218	40	loan	loan	NOUN
fsr-4094	218	41	,	,	PUNCT
fsr-4094	218	42	use	use	NOUN
fsr-4094	218	43	of	of	ADP
fsr-4094	218	44	a	a	DET
fsr-4094	218	45	tax	tax	NOUN
fsr-4094	218	46	refund	refund	NOUN
fsr-4094	218	47	advance	advance	NOUN
fsr-4094	218	48	,	,	PUNCT
fsr-4094	218	49	and	and	CCONJ
fsr-4094	218	50	pay	pay	VERB
fsr-4094	218	51	overdraft	overdraft	NOUN
fsr-4094	218	52	fees	fee	NOUN
fsr-4094	218	53	on	on	ADP
fsr-4094	218	54	a	a	DET
fsr-4094	218	55	bank	bank	NOUN
fsr-4094	218	56	account	account	NOUN
fsr-4094	218	57	.	.	PUNCT
fsr-4094	219	1	x	x	PUNCT
fsr-4094	219	2	is	be	AUX
fsr-4094	219	3	a	a	DET
fsr-4094	219	4	matrix	matrix	NOUN
fsr-4094	219	5	of	of	ADP
fsr-4094	219	6	other	other	ADJ
fsr-4094	219	7	explanatory	explanatory	ADJ
fsr-4094	219	8	variables	variable	NOUN
fsr-4094	219	9	,	,	PUNCT
fsr-4094	219	10	which	which	PRON
fsr-4094	219	11	include	include	VERB
fsr-4094	219	12	financial	financial	ADJ
fsr-4094	219	13	literacy	literacy	NOUN
fsr-4094	219	14	,	,	PUNCT
fsr-4094	219	15	credit	credit	NOUN
fsr-4094	219	16	score	score	NOUN
fsr-4094	219	17	,	,	PUNCT
fsr-4094	219	18	risk	risk	NOUN
fsr-4094	219	19	tolerance	tolerance	NOUN
fsr-4094	219	20	,	,	PUNCT
fsr-4094	219	21	subjective	subjective	ADJ
fsr-4094	219	22	financial	financial	ADJ
fsr-4094	219	23	wellbeing	wellbeing	NOUN
fsr-4094	219	24	,	,	PUNCT
fsr-4094	219	25	marital	marital	ADJ
fsr-4094	219	26	status	status	NOUN
fsr-4094	219	27	,	,	PUNCT
fsr-4094	219	28	employment	employment	NOUN
fsr-4094	219	29	status	status	NOUN
fsr-4094	219	30	,	,	PUNCT
fsr-4094	219	31	total	total	ADJ
fsr-4094	219	32	wealth	wealth	NOUN
fsr-4094	219	33	,	,	PUNCT
fsr-4094	219	34	education	education	NOUN
fsr-4094	219	35	,	,	PUNCT
fsr-4094	219	36	age	age	NOUN
fsr-4094	219	37	,	,	PUNCT
fsr-4094	219	38	ethnicity	ethnicity	NOUN
fsr-4094	219	39	,	,	PUNCT
fsr-4094	219	40	and	and	CCONJ
fsr-4094	219	41	gender	gender	NOUN
fsr-4094	219	42	.	.	PUNCT
fsr-4094	220	1	for	for	ADP
fsr-4094	220	2	model	model	NOUN
fsr-4094	220	3	1.1	1.1	NUM
fsr-4094	220	4	,	,	PUNCT
fsr-4094	220	5	𝛼1	𝛼1	NOUN
fsr-4094	220	6	is	be	AUX
fsr-4094	220	7	a	a	DET
fsr-4094	220	8	vector	vector	NOUN
fsr-4094	220	9	of	of	ADP
fsr-4094	220	10	parameters	parameter	NOUN
fsr-4094	220	11	to	to	PART
fsr-4094	220	12	be	be	AUX
fsr-4094	220	13	estimated	estimate	VERB
fsr-4094	220	14	for	for	ADP
fsr-4094	220	15	key	key	ADJ
fsr-4094	220	16	explanatory	explanatory	ADJ
fsr-4094	220	17	variables	variable	NOUN
fsr-4094	220	18	,	,	PUNCT
fsr-4094	220	19	afs	afs	NOUN
fsr-4094	220	20	,	,	PUNCT
fsr-4094	220	21	and	and	CCONJ
fsr-4094	220	22	𝛼𝑘	𝛼𝑘	PRON
fsr-4094	220	23	is	be	AUX
fsr-4094	220	24	a	a	DET
fsr-4094	220	25	vector	vector	NOUN
fsr-4094	220	26	of	of	ADP
fsr-4094	220	27	parameters	parameter	NOUN
fsr-4094	220	28	to	to	PART
fsr-4094	220	29	be	be	AUX
fsr-4094	220	30	estimated	estimate	VERB
fsr-4094	220	31	for	for	ADP
fsr-4094	220	32	the	the	DET
fsr-4094	220	33	other	other	ADJ
fsr-4094	220	34	explanatory	explanatory	ADJ
fsr-4094	220	35	variables	variable	NOUN
fsr-4094	220	36	.	.	PUNCT
fsr-4094	221	1	the	the	DET
fsr-4094	221	2	error	error	NOUN
fsr-4094	221	3	term	term	NOUN
fsr-4094	221	4	𝜀𝑖	𝜀𝑖	NOUN
fsr-4094	221	5	follows	follow	VERB
fsr-4094	221	6	a	a	DET
fsr-4094	221	7	normal	normal	ADJ
fsr-4094	221	8	distribution	distribution	NOUN
fsr-4094	221	9	.	.	PUNCT
fsr-4094	222	1	likewise	likewise	ADV
fsr-4094	222	2	,	,	PUNCT
fsr-4094	222	3	in	in	ADP
fsr-4094	222	4	model	model	NOUN
fsr-4094	222	5	1.2	1.2	NUM
fsr-4094	222	6	,	,	PUNCT
fsr-4094	222	7	𝛽1	𝛽1	NOUN
fsr-4094	222	8	is	be	AUX
fsr-4094	222	9	a	a	DET
fsr-4094	222	10	vector	vector	NOUN
fsr-4094	222	11	of	of	ADP
fsr-4094	222	12	parameters	parameter	NOUN
fsr-4094	222	13	to	to	PART
fsr-4094	222	14	be	be	AUX
fsr-4094	222	15	estimated	estimate	VERB
fsr-4094	222	16	for	for	ADP
fsr-4094	222	17	key	key	ADJ
fsr-4094	222	18	explanatory	explanatory	ADJ
fsr-4094	222	19	variables	variable	NOUN
fsr-4094	222	20	,	,	PUNCT
fsr-4094	222	21	afs	afs	NOUN
fsr-4094	222	22	,	,	PUNCT
fsr-4094	222	23	and	and	CCONJ
fsr-4094	222	24	𝛽𝑘	𝛽𝑘	ADV
fsr-4094	222	25	is	be	AUX
fsr-4094	222	26	a	a	DET
fsr-4094	222	27	vector	vector	NOUN
fsr-4094	222	28	of	of	ADP
fsr-4094	222	29	parameters	parameter	NOUN
fsr-4094	222	30	to	to	PART
fsr-4094	222	31	be	be	AUX
fsr-4094	222	32	estimated	estimate	VERB
fsr-4094	222	33	for	for	ADP
fsr-4094	222	34	the	the	DET
fsr-4094	222	35	other	other	ADJ
fsr-4094	222	36	explanatory	explanatory	ADJ
fsr-4094	222	37	variables	variable	NOUN
fsr-4094	222	38	.	.	PUNCT
fsr-4094	223	1	the	the	DET
fsr-4094	223	2	error	error	NOUN
fsr-4094	223	3	term	term	NOUN
fsr-4094	223	4	𝜃𝑖	𝜃𝑖	PRON
fsr-4094	223	5	follows	follow	VERB
fsr-4094	223	6	a	a	DET
fsr-4094	223	7	normal	normal	ADJ
fsr-4094	223	8	distribution	distribution	NOUN
fsr-4094	223	9	.	.	PUNCT
fsr-4094	224	1	in	in	ADP
fsr-4094	224	2	model	model	NOUN
fsr-4094	224	3	1.3	1.3	NUM
fsr-4094	224	4	,	,	PUNCT
fsr-4094	224	5	𝛾1	𝛾1	PROPN
fsr-4094	224	6	is	be	AUX
fsr-4094	224	7	a	a	DET
fsr-4094	224	8	vector	vector	NOUN
fsr-4094	224	9	of	of	ADP
fsr-4094	224	10	parameters	parameter	NOUN
fsr-4094	224	11	to	to	PART
fsr-4094	224	12	be	be	AUX
fsr-4094	224	13	estimated	estimate	VERB
fsr-4094	224	14	for	for	ADP
fsr-4094	224	15	key	key	ADJ
fsr-4094	224	16	explanatory	explanatory	ADJ
fsr-4094	224	17	variables	variable	NOUN
fsr-4094	224	18	,	,	PUNCT
fsr-4094	224	19	afs	afs	NOUN
fsr-4094	224	20	,	,	PUNCT
fsr-4094	224	21	and	and	CCONJ
fsr-4094	224	22	𝛾𝑘	𝛾𝑘	PROPN
fsr-4094	224	23	is	be	AUX
fsr-4094	224	24	a	a	DET
fsr-4094	224	25	vector	vector	NOUN
fsr-4094	224	26	of	of	ADP
fsr-4094	224	27	parameters	parameter	NOUN
fsr-4094	224	28	to	to	PART
fsr-4094	224	29	be	be	AUX
fsr-4094	224	30	estimated	estimate	VERB
fsr-4094	224	31	for	for	ADP
fsr-4094	224	32	the	the	DET
fsr-4094	224	33	other	other	ADJ
fsr-4094	224	34	explanatory	explanatory	ADJ
fsr-4094	224	35	variables	variable	NOUN
fsr-4094	224	36	.	.	PUNCT
fsr-4094	225	1	the	the	DET
fsr-4094	225	2	error	error	NOUN
fsr-4094	225	3	term	term	NOUN
fsr-4094	225	4	𝜆𝑖	𝜆𝑖	PROPN
fsr-4094	225	5	follows	follow	VERB
fsr-4094	225	6	a	a	DET
fsr-4094	225	7	normal	normal	ADJ
fsr-4094	225	8	distribution	distribution	NOUN
fsr-4094	225	9	.	.	PUNCT
fsr-4094	226	1	for	for	ADP
fsr-4094	226	2	each	each	DET
fsr-4094	226	3	model	model	NOUN
fsr-4094	226	4	,	,	PUNCT
fsr-4094	226	5	marginal	marginal	ADJ
fsr-4094	226	6	effects	effect	NOUN
fsr-4094	226	7	are	be	AUX
fsr-4094	226	8	estimated	estimate	VERB
fsr-4094	226	9	to	to	PART
fsr-4094	226	10	show	show	VERB
fsr-4094	226	11	associations	association	NOUN
fsr-4094	226	12	between	between	ADP
fsr-4094	226	13	the	the	DET
fsr-4094	226	14	explanatory	explanatory	ADJ
fsr-4094	226	15	variables	variable	NOUN
fsr-4094	226	16	and	and	CCONJ
fsr-4094	226	17	the	the	DET
fsr-4094	226	18	observed	observe	VERB
fsr-4094	226	19	dependent	dependent	ADJ
fsr-4094	226	20	variables	variable	NOUN
fsr-4094	226	21	.	.	PUNCT
fsr-4094	227	1	results	result	NOUN
fsr-4094	227	2	this	this	DET
fsr-4094	227	3	paper	paper	NOUN
fsr-4094	227	4	provides	provide	VERB
fsr-4094	227	5	empirical	empirical	ADJ
fsr-4094	227	6	evidence	evidence	NOUN
fsr-4094	227	7	on	on	ADP
fsr-4094	227	8	how	how	SCONJ
fsr-4094	227	9	the	the	DET
fsr-4094	227	10	adoption	adoption	NOUN
fsr-4094	227	11	of	of	ADP
fsr-4094	227	12	cryptocurrency	cryptocurrency	NOUN
fsr-4094	227	13	,	,	PUNCT
fsr-4094	227	14	or	or	CCONJ
fsr-4094	227	15	investment	investment	NOUN
fsr-4094	227	16	therein	therein	ADV
fsr-4094	227	17	,	,	PUNCT
fsr-4094	227	18	is	be	AUX
fsr-4094	227	19	associated	associate	VERB
fsr-4094	227	20	with	with	ADP
fsr-4094	227	21	using	use	VERB
fsr-4094	227	22	other	other	ADJ
fsr-4094	227	23	afss	afss	NOUN
fsr-4094	227	24	.	.	PUNCT
fsr-4094	228	1	table	table	NOUN
fsr-4094	228	2	3	3	NUM
fsr-4094	228	3	summarizes	summarize	NOUN
fsr-4094	228	4	the	the	DET
fsr-4094	228	5	marginal	marginal	ADJ
fsr-4094	228	6	effects	effect	NOUN
fsr-4094	228	7	for	for	ADP
fsr-4094	228	8	each	each	DET
fsr-4094	228	9	logistical	logistical	ADJ
fsr-4094	228	10	regression	regression	NOUN
fsr-4094	228	11	model	model	NOUN
fsr-4094	228	12	.	.	PUNCT
fsr-4094	229	1	holding	hold	VERB
fsr-4094	229	2	cryptocurrencies	cryptocurrencie	NOUN
fsr-4094	229	3	as	as	ADP
fsr-4094	229	4	an	an	DET
fsr-4094	229	5	investment	investment	NOUN
fsr-4094	229	6	our	our	PRON
fsr-4094	229	7	results	result	NOUN
fsr-4094	229	8	show	show	VERB
fsr-4094	229	9	that	that	SCONJ
fsr-4094	229	10	holding	hold	VERB
fsr-4094	229	11	cryptocurrencies	cryptocurrencie	NOUN
fsr-4094	229	12	as	as	ADP
fsr-4094	229	13	an	an	DET
fsr-4094	229	14	investment	investment	NOUN
fsr-4094	229	15	is	be	AUX
fsr-4094	229	16	associated	associate	VERB
fsr-4094	229	17	with	with	ADP
fsr-4094	229	18	using	use	VERB
fsr-4094	229	19	other	other	ADJ
fsr-4094	229	20	afss	afss	NOUN
fsr-4094	229	21	.	.	PUNCT
fsr-4094	230	1	individuals	individual	NOUN
fsr-4094	230	2	who	who	PRON
fsr-4094	230	3	reported	report	VERB
fsr-4094	230	4	holding	hold	VERB
fsr-4094	230	5	cryptocurrencies	cryptocurrencie	NOUN
fsr-4094	230	6	as	as	ADP
fsr-4094	230	7	an	an	DET
fsr-4094	230	8	investment	investment	NOUN
fsr-4094	230	9	over	over	ADP
fsr-4094	230	10	the	the	DET
fsr-4094	230	11	last	last	ADJ
fsr-4094	230	12	12	12	NUM
fsr-4094	230	13	months	month	NOUN
fsr-4094	230	14	had	have	VERB
fsr-4094	230	15	a	a	DET
fsr-4094	230	16	2.68	2.68	NUM
fsr-4094	230	17	percent	percent	NOUN
fsr-4094	230	18	higher	high	ADJ
fsr-4094	230	19	probability	probability	NOUN
fsr-4094	230	20	of	of	ADP
fsr-4094	230	21	having	having	AUX
fsr-4094	230	22	purchased	purchase	VERB
fsr-4094	230	23	a	a	DET
fsr-4094	230	24	money	money	NOUN
fsr-4094	230	25	order	order	NOUN
fsr-4094	230	26	from	from	ADP
fsr-4094	230	27	a	a	DET
fsr-4094	230	28	source	source	NOUN
fsr-4094	230	29	other	other	ADJ
fsr-4094	230	30	than	than	ADP
fsr-4094	230	31	a	a	DET
fsr-4094	230	32	bank	bank	NOUN
fsr-4094	230	33	during	during	ADP
fsr-4094	230	34	the	the	DET
fsr-4094	230	35	same	same	ADJ
fsr-4094	230	36	duration	duration	NOUN
fsr-4094	230	37	of	of	ADP
fsr-4094	230	38	time	time	NOUN
fsr-4094	230	39	than	than	ADP
fsr-4094	230	40	those	those	PRON
fsr-4094	230	41	who	who	PRON
fsr-4094	230	42	did	do	VERB
fsr-4094	230	43	not	not	PART
fsr-4094	230	44	.	.	PUNCT
fsr-4094	231	1	individuals	individual	NOUN
fsr-4094	231	2	who	who	PRON
fsr-4094	231	3	held	hold	VERB
fsr-4094	231	4	cryptocurrencies	cryptocurrencie	NOUN
fsr-4094	231	5	as	as	ADP
fsr-4094	231	6	an	an	DET
fsr-4094	231	7	investment	investment	NOUN
fsr-4094	231	8	also	also	ADV
fsr-4094	231	9	had	have	VERB
fsr-4094	231	10	a	a	DET
fsr-4094	231	11	3.33	3.33	NUM
fsr-4094	231	12	percent	percent	NOUN
fsr-4094	231	13	higher	high	ADJ
fsr-4094	231	14	probability	probability	NOUN
fsr-4094	231	15	of	of	ADP
fsr-4094	231	16	having	having	AUX
fsr-4094	231	17	taken	take	VERB
fsr-4094	231	18	out	out	ADP
fsr-4094	231	19	a	a	DET
fsr-4094	231	20	payday	payday	NOUN
fsr-4094	231	21	loan	loan	NOUN
fsr-4094	231	22	in	in	ADP
fsr-4094	231	23	the	the	DET
fsr-4094	231	24	last	last	ADJ
fsr-4094	231	25	12	12	NUM
fsr-4094	231	26	months	month	NOUN
fsr-4094	231	27	.	.	PUNCT
fsr-4094	232	1	likewise	likewise	ADV
fsr-4094	232	2	,	,	PUNCT
fsr-4094	232	3	individuals	individual	NOUN
fsr-4094	232	4	who	who	PRON
fsr-4094	232	5	invested	invest	VERB
fsr-4094	232	6	in	in	ADP
fsr-4094	232	7	cryptocurrencies	cryptocurrencie	NOUN
fsr-4094	232	8	also	also	ADV
fsr-4094	232	9	had	have	VERB
fsr-4094	232	10	a	a	DET
fsr-4094	232	11	4.2	4.2	NUM
fsr-4094	232	12	percent	percent	NOUN
fsr-4094	232	13	higher	high	ADJ
fsr-4094	232	14	probability	probability	NOUN
fsr-4094	232	15	of	of	ADP
fsr-4094	232	16	taking	take	VERB
fsr-4094	232	17	out	out	ADP
fsr-4094	232	18	a	a	DET
fsr-4094	232	19	pawnshop	pawnshop	NOUN
fsr-4094	232	20	or	or	CCONJ
fsr-4094	232	21	auto	auto	NOUN
fsr-4094	232	22	title	title	NOUN
fsr-4094	232	23	loan	loan	NOUN
fsr-4094	232	24	in	in	ADP
fsr-4094	232	25	the	the	DET
fsr-4094	232	26	last	last	ADJ
fsr-4094	232	27	12	12	NUM
fsr-4094	232	28	months	month	NOUN
fsr-4094	232	29	than	than	ADP
fsr-4094	232	30	those	those	PRON
fsr-4094	232	31	who	who	PRON
fsr-4094	232	32	did	do	AUX
fsr-4094	232	33	not	not	PART
fsr-4094	232	34	hold	hold	VERB
fsr-4094	232	35	cryptocurrencies	cryptocurrencie	NOUN
fsr-4094	232	36	as	as	ADP
fsr-4094	232	37	an	an	DET
fsr-4094	232	38	investment	investment	NOUN
fsr-4094	232	39	.	.	PUNCT
fsr-4094	233	1	holding	hold	VERB
fsr-4094	233	2	cryptocurrencies	cryptocurrencie	NOUN
fsr-4094	233	3	as	as	ADP
fsr-4094	233	4	an	an	DET
fsr-4094	233	5	investment	investment	NOUN
fsr-4094	233	6	was	be	AUX
fsr-4094	233	7	also	also	ADV
fsr-4094	233	8	associated	associate	VERB
fsr-4094	233	9	with	with	ADP
fsr-4094	233	10	a	a	DET
fsr-4094	233	11	3.82	3.82	NUM
fsr-4094	233	12	percent	percent	NOUN
fsr-4094	233	13	higher	high	ADJ
fsr-4094	233	14	probability	probability	NOUN
fsr-4094	233	15	of	of	ADP
fsr-4094	233	16	having	having	AUX
fsr-4094	233	17	paid	pay	VERB
fsr-4094	233	18	an	an	DET
fsr-4094	233	19	overdraft	overdraft	NOUN
fsr-4094	233	20	fee	fee	NOUN
fsr-4094	233	21	on	on	ADP
fsr-4094	233	22	a	a	DET
fsr-4094	233	23	bank	bank	NOUN
fsr-4094	233	24	account	account	NOUN
fsr-4094	233	25	over	over	ADP
fsr-4094	233	26	the	the	DET
fsr-4094	233	27	last	last	ADJ
fsr-4094	233	28	12	12	NUM
fsr-4094	233	29	months	month	NOUN
fsr-4094	233	30	.	.	PUNCT
fsr-4094	234	1	our	our	PRON
fsr-4094	234	2	results	result	NOUN
fsr-4094	234	3	also	also	ADV
fsr-4094	234	4	show	show	VERB
fsr-4094	234	5	a	a	DET
fsr-4094	234	6	relationship	relationship	NOUN
fsr-4094	234	7	between	between	ADP
fsr-4094	234	8	risk	risk	NOUN
fsr-4094	234	9	tolerance	tolerance	NOUN
fsr-4094	234	10	as	as	SCONJ
fsr-4094	234	11	measured	measure	VERB
fsr-4094	234	12	by	by	ADP
fsr-4094	234	13	the	the	DET
fsr-4094	234	14	self	self	NOUN
fsr-4094	234	15	-	-	PUNCT
fsr-4094	234	16	reporting	report	VERB
fsr-4094	234	17	variable	variable	ADJ
fsr-4094	234	18	fl0	fl0	NOUN
fsr-4094	234	19	and	and	CCONJ
fsr-4094	234	20	investing	invest	VERB
fsr-4094	234	21	in	in	ADP
fsr-4094	234	22	cryptocurrency	cryptocurrency	NOUN
fsr-4094	234	23	.	.	PUNCT
fsr-4094	235	1	at	at	ADP
fsr-4094	235	2	lower	low	ADJ
fsr-4094	235	3	levels	level	NOUN
fsr-4094	235	4	of	of	ADP
fsr-4094	235	5	risk	risk	NOUN
fsr-4094	235	6	tolerance	tolerance	NOUN
fsr-4094	235	7	,	,	PUNCT
fsr-4094	235	8	individuals	individual	NOUN
fsr-4094	235	9	demonstrate	demonstrate	VERB
fsr-4094	235	10	a	a	DET
fsr-4094	235	11	modestly	modestly	ADV
fsr-4094	235	12	increased	increase	VERB
fsr-4094	235	13	likelihood	likelihood	NOUN
fsr-4094	235	14	of	of	ADP
fsr-4094	235	15	cryptocurrency	cryptocurrency	NOUN
fsr-4094	235	16	investment	investment	NOUN
fsr-4094	235	17	.	.	PUNCT
fsr-4094	236	1	specifically	specifically	ADV
fsr-4094	236	2	,	,	PUNCT
fsr-4094	236	3	at	at	ADP
fsr-4094	236	4	level	level	NOUN
fsr-4094	236	5	2	2	NUM
fsr-4094	236	6	,	,	PUNCT
fsr-4094	236	7	the	the	DET
fsr-4094	236	8	marginal	marginal	ADJ
fsr-4094	236	9	effect	effect	NOUN
fsr-4094	236	10	is	be	AUX
fsr-4094	236	11	0.0436	0.0436	NUM
fsr-4094	236	12	,	,	PUNCT
fsr-4094	236	13	indicating	indicate	VERB
fsr-4094	236	14	a	a	DET
fsr-4094	236	15	noticeable	noticeable	ADJ
fsr-4094	236	16	increase	increase	NOUN
fsr-4094	236	17	compared	compare	VERB
fsr-4094	236	18	to	to	ADP
fsr-4094	236	19	those	those	PRON
fsr-4094	236	20	unwilling	unwilling	ADJ
fsr-4094	236	21	to	to	PART
fsr-4094	236	22	take	take	VERB
fsr-4094	236	23	risks	risk	NOUN
fsr-4094	236	24	(	(	PUNCT
fsr-4094	236	25	level	level	NOUN
fsr-4094	236	26	0	0	NUM
fsr-4094	236	27	)	)	PUNCT
fsr-4094	236	28	.	.	PUNCT
fsr-4094	237	1	at	at	ADP
fsr-4094	237	2	levels	level	NOUN
fsr-4094	237	3	3	3	NUM
fsr-4094	237	4	and	and	CCONJ
fsr-4094	237	5	4	4	NUM
fsr-4094	237	6	,	,	PUNCT
fsr-4094	237	7	marginal	marginal	ADJ
fsr-4094	237	8	effects	effect	NOUN
fsr-4094	237	9	are	be	AUX
fsr-4094	237	10	0.0258	0.0258	NUM
fsr-4094	237	11	and	and	CCONJ
fsr-4094	237	12	0.0315	0.0315	NUM
fsr-4094	237	13	,	,	PUNCT
fsr-4094	237	14	respectively	respectively	ADV
fsr-4094	237	15	,	,	PUNCT
fsr-4094	237	16	suggesting	suggest	VERB
fsr-4094	237	17	a	a	DET
fsr-4094	237	18	gradual	gradual	ADJ
fsr-4094	237	19	strengthening	strengthening	NOUN
fsr-4094	237	20	of	of	ADP
fsr-4094	237	21	the	the	DET
fsr-4094	237	22	relationship	relationship	NOUN
fsr-4094	237	23	.	.	PUNCT
fsr-4094	238	1	the	the	DET
fsr-4094	238	2	association	association	NOUN
fsr-4094	238	3	grows	grow	VERB
fsr-4094	238	4	stronger	strong	ADJ
fsr-4094	238	5	as	as	SCONJ
fsr-4094	238	6	risk	risk	NOUN
fsr-4094	238	7	tolerance	tolerance	NOUN
fsr-4094	238	8	increases	increase	VERB
fsr-4094	238	9	further	far	ADV
fsr-4094	238	10	.	.	PUNCT
fsr-4094	239	1	at	at	ADP
fsr-4094	239	2	level	level	NOUN
fsr-4094	239	3	5	5	NUM
fsr-4094	239	4	,	,	PUNCT
fsr-4094	239	5	the	the	DET
fsr-4094	239	6	marginal	marginal	ADJ
fsr-4094	239	7	effect	effect	NOUN
fsr-4094	239	8	rises	rise	VERB
fsr-4094	239	9	to	to	ADP
fsr-4094	239	10	0.0422	0.0422	NUM
fsr-4094	239	11	.	.	PUNCT
fsr-4094	240	1	a	a	DET
fsr-4094	240	2	marked	mark	VERB
fsr-4094	240	3	increase	increase	NOUN
fsr-4094	240	4	occurs	occur	VERB
fsr-4094	240	5	at	at	ADP
fsr-4094	240	6	level	level	NOUN
fsr-4094	240	7	6	6	NUM
fsr-4094	240	8	,	,	PUNCT
fsr-4094	240	9	where	where	SCONJ
fsr-4094	240	10	the	the	DET
fsr-4094	240	11	marginal	marginal	ADJ
fsr-4094	240	12	effect	effect	NOUN
fsr-4094	240	13	jumps	jump	VERB
fsr-4094	240	14	to	to	ADP
fsr-4094	240	15	0.0704	0.0704	NUM
fsr-4094	240	16	.	.	PUNCT
fsr-4094	241	1	this	this	DET
fsr-4094	241	2	upward	upward	ADJ
fsr-4094	241	3	trend	trend	NOUN
fsr-4094	241	4	continues	continue	VERB
fsr-4094	241	5	,	,	PUNCT
fsr-4094	241	6	with	with	ADP
fsr-4094	241	7	level	level	NOUN
fsr-4094	241	8	7	7	NUM
fsr-4094	241	9	showing	show	VERB
fsr-4094	241	10	a	a	DET
fsr-4094	241	11	marginal	marginal	ADJ
fsr-4094	241	12	effect	effect	NOUN
fsr-4094	241	13	of	of	ADP
fsr-4094	241	14	0.1016	0.1016	NUM
fsr-4094	241	15	.	.	PUNCT
fsr-4094	242	1	at	at	ADP
fsr-4094	242	2	level	level	NOUN
fsr-4094	242	3	8	8	NUM
fsr-4094	242	4	,	,	PUNCT
fsr-4094	242	5	the	the	DET
fsr-4094	242	6	likelihood	likelihood	NOUN
fsr-4094	242	7	substantially	substantially	ADV
fsr-4094	242	8	increases	increase	NOUN
fsr-4094	242	9	,	,	PUNCT
fsr-4094	242	10	reflected	reflect	VERB
fsr-4094	242	11	by	by	ADP
fsr-4094	242	12	a	a	DET
fsr-4094	242	13	marginal	marginal	ADJ
fsr-4094	242	14	effect	effect	NOUN
fsr-4094	242	15	of	of	ADP
fsr-4094	242	16	0.1244	0.1244	NUM
fsr-4094	242	17	.	.	PUNCT
fsr-4094	243	1	the	the	DET
fsr-4094	243	2	highest	high	ADJ
fsr-4094	243	3	associations	association	NOUN
fsr-4094	243	4	are	be	AUX
fsr-4094	243	5	observed	observe	VERB
fsr-4094	243	6	at	at	ADP
fsr-4094	243	7	levels	level	NOUN
fsr-4094	243	8	9	9	NUM
fsr-4094	243	9	and	and	CCONJ
fsr-4094	243	10	10	10	NUM
fsr-4094	243	11	.	.	PUNCT
fsr-4094	244	1	level	level	NOUN
fsr-4094	244	2	9	9	NUM
fsr-4094	244	3	exhibits	exhibit	VERB
fsr-4094	244	4	the	the	DET
fsr-4094	244	5	strongest	strong	ADJ
fsr-4094	244	6	relationship	relationship	NOUN
fsr-4094	244	7	,	,	PUNCT
fsr-4094	244	8	with	with	ADP
fsr-4094	244	9	a	a	DET
fsr-4094	244	10	marginal	marginal	ADJ
fsr-4094	244	11	effect	effect	NOUN
fsr-4094	244	12	of	of	ADP
fsr-4094	244	13	0.167	0.167	NUM
fsr-4094	244	14	.	.	PUNCT
fsr-4094	245	1	even	even	ADV
fsr-4094	245	2	at	at	ADP
fsr-4094	245	3	the	the	DET
fsr-4094	245	4	maximum	maximum	ADJ
fsr-4094	245	5	level	level	NOUN
fsr-4094	245	6	of	of	ADP
fsr-4094	245	7	risk	risk	NOUN
fsr-4094	245	8	tolerance	tolerance	NOUN
fsr-4094	245	9	(	(	PUNCT
fsr-4094	245	10	level	level	NOUN
fsr-4094	245	11	10	10	NUM
fsr-4094	245	12	)	)	PUNCT
fsr-4094	245	13	,	,	PUNCT
fsr-4094	245	14	the	the	DET
fsr-4094	245	15	marginal	marginal	ADJ
fsr-4094	245	16	effect	effect	NOUN
fsr-4094	245	17	remains	remain	VERB
fsr-4094	245	18	high	high	ADJ
fsr-4094	245	19	at	at	ADP
fsr-4094	245	20	0.1221	0.1221	NUM
fsr-4094	245	21	,	,	PUNCT
fsr-4094	245	22	highlighting	highlight	VERB
fsr-4094	245	23	a	a	DET
fsr-4094	245	24	significant	significant	ADJ
fsr-4094	245	25	propensity	propensity	NOUN
fsr-4094	245	26	among	among	ADP
fsr-4094	245	27	highly	highly	ADV
fsr-4094	245	28	risk	risk	NOUN
fsr-4094	245	29	-	-	PUNCT
fsr-4094	245	30	tolerant	tolerant	ADJ
fsr-4094	245	31	individuals	individual	NOUN
fsr-4094	245	32	to	to	PART
fsr-4094	245	33	hold	hold	VERB
fsr-4094	245	34	cryptocurrencies	cryptocurrencie	NOUN
fsr-4094	245	35	as	as	ADP
fsr-4094	245	36	investments	investment	NOUN
fsr-4094	245	37	.	.	PUNCT
fsr-4094	246	1	using	use	VERB
fsr-4094	246	2	cryptocurrencies	cryptocurrencie	NOUN
fsr-4094	246	3	as	as	ADP
fsr-4094	246	4	a	a	DET
fsr-4094	246	5	payment	payment	NOUN
fsr-4094	246	6	the	the	DET
fsr-4094	246	7	results	result	NOUN
fsr-4094	246	8	for	for	ADP
fsr-4094	246	9	model	model	NOUN
fsr-4094	246	10	1.2	1.2	NUM
fsr-4094	246	11	show	show	VERB
fsr-4094	246	12	a	a	DET
fsr-4094	246	13	statistically	statistically	ADV
fsr-4094	246	14	significant	significant	ADJ
fsr-4094	246	15	association	association	NOUN
fsr-4094	246	16	for	for	ADP
fsr-4094	246	17	several	several	ADJ
fsr-4094	246	18	variables	variable	NOUN
fsr-4094	246	19	measuring	measure	VERB
fsr-4094	246	20	the	the	DET
fsr-4094	246	21	use	use	NOUN
fsr-4094	246	22	of	of	ADP
fsr-4094	246	23	afss	afss	ADJ
fsr-4094	246	24	with	with	ADP
fsr-4094	246	25	using	use	VERB
fsr-4094	246	26	cryptocurrency	cryptocurrency	NOUN
fsr-4094	246	27	to	to	PART
fsr-4094	246	28	make	make	VERB
fsr-4094	246	29	a	a	DET
fsr-4094	246	30	payment	payment	NOUN
fsr-4094	246	31	over	over	ADP
fsr-4094	246	32	the	the	DET
fsr-4094	246	33	last	last	ADJ
fsr-4094	246	34	financial	financial	ADJ
fsr-4094	246	35	services	service	NOUN
fsr-4094	246	36	review	review	NOUN
fsr-4094	246	37	,	,	PUNCT
fsr-4094	246	38	33(2	33(2	NUM
fsr-4094	246	39	)	)	PUNCT
fsr-4094	246	40	134	134	NUM
fsr-4094	246	41	12	12	NUM
fsr-4094	246	42	months	month	NOUN
fsr-4094	246	43	.	.	PUNCT
fsr-4094	247	1	using	use	VERB
fsr-4094	247	2	cryptocurrency	cryptocurrency	NOUN
fsr-4094	247	3	to	to	PART
fsr-4094	247	4	make	make	VERB
fsr-4094	247	5	a	a	DET
fsr-4094	247	6	payment	payment	NOUN
fsr-4094	247	7	in	in	ADP
fsr-4094	247	8	the	the	DET
fsr-4094	247	9	last	last	ADJ
fsr-4094	247	10	12	12	NUM
fsr-4094	247	11	months	month	NOUN
fsr-4094	247	12	was	be	AUX
fsr-4094	247	13	associated	associate	VERB
fsr-4094	247	14	with	with	ADP
fsr-4094	247	15	a	a	DET
fsr-4094	247	16	0.9	0.9	NUM
fsr-4094	247	17	percent	percent	NOUN
fsr-4094	247	18	higher	high	ADJ
fsr-4094	247	19	probability	probability	NOUN
fsr-4094	247	20	of	of	ADP
fsr-4094	247	21	having	having	AUX
fsr-4094	247	22	purchased	purchase	VERB
fsr-4094	247	23	a	a	DET
fsr-4094	247	24	money	money	NOUN
fsr-4094	247	25	order	order	NOUN
fsr-4094	247	26	from	from	ADP
fsr-4094	247	27	a	a	DET
fsr-4094	247	28	service	service	NOUN
fsr-4094	247	29	provider	provider	NOUN
fsr-4094	247	30	other	other	ADJ
fsr-4094	247	31	than	than	ADP
fsr-4094	247	32	a	a	DET
fsr-4094	247	33	bank	bank	NOUN
fsr-4094	247	34	,	,	PUNCT
fsr-4094	247	35	compared	compare	VERB
fsr-4094	247	36	to	to	ADP
fsr-4094	247	37	those	those	PRON
fsr-4094	247	38	who	who	PRON
fsr-4094	247	39	did	do	AUX
fsr-4094	247	40	n’t	not	PART
fsr-4094	247	41	use	use	VERB
fsr-4094	247	42	crypto	crypto	NOUN
fsr-4094	247	43	to	to	PART
fsr-4094	247	44	make	make	VERB
fsr-4094	247	45	payments	payment	NOUN
fsr-4094	247	46	in	in	ADP
fsr-4094	247	47	the	the	DET
fsr-4094	247	48	last	last	ADJ
fsr-4094	247	49	12	12	NUM
fsr-4094	247	50	months	month	NOUN
fsr-4094	247	51	and	and	CCONJ
fsr-4094	247	52	ceteris	ceteris	NOUN
fsr-4094	247	53	paribus	paribus	NOUN
fsr-4094	247	54	.	.	PUNCT
fsr-4094	248	1	using	use	VERB
fsr-4094	248	2	crypto	crypto	NOUN
fsr-4094	248	3	as	as	SCONJ
fsr-4094	248	4	a	a	DET
fsr-4094	248	5	payment	payment	NOUN
fsr-4094	248	6	was	be	AUX
fsr-4094	248	7	also	also	ADV
fsr-4094	248	8	associated	associate	VERB
fsr-4094	248	9	with	with	ADP
fsr-4094	248	10	a	a	DET
fsr-4094	248	11	1.21	1.21	NUM
fsr-4094	248	12	percent	percent	NOUN
fsr-4094	248	13	higher	high	ADJ
fsr-4094	248	14	probability	probability	NOUN
fsr-4094	248	15	of	of	ADP
fsr-4094	248	16	cashing	cash	VERB
fsr-4094	248	17	a	a	DET
fsr-4094	248	18	check	check	NOUN
fsr-4094	248	19	from	from	ADP
fsr-4094	248	20	a	a	DET
fsr-4094	248	21	provider	provider	NOUN
fsr-4094	248	22	outside	outside	ADP
fsr-4094	248	23	of	of	ADP
fsr-4094	248	24	a	a	DET
fsr-4094	248	25	bank	bank	NOUN
fsr-4094	248	26	.	.	PUNCT
fsr-4094	249	1	using	use	VERB
fsr-4094	249	2	crypto	crypto	NOUN
fsr-4094	249	3	to	to	PART
fsr-4094	249	4	make	make	VERB
fsr-4094	249	5	payments	payment	NOUN
fsr-4094	249	6	was	be	AUX
fsr-4094	249	7	associated	associate	VERB
fsr-4094	249	8	with	with	ADP
fsr-4094	249	9	a	a	DET
fsr-4094	249	10	1.32	1.32	NUM
fsr-4094	249	11	percent	percent	NOUN
fsr-4094	249	12	higher	high	ADJ
fsr-4094	249	13	probability	probability	NOUN
fsr-4094	249	14	of	of	ADP
fsr-4094	249	15	obtaining	obtain	VERB
fsr-4094	249	16	an	an	DET
fsr-4094	249	17	advance	advance	NOUN
fsr-4094	249	18	on	on	ADP
fsr-4094	249	19	an	an	DET
fsr-4094	249	20	anticipated	anticipate	VERB
fsr-4094	249	21	tax	tax	NOUN
fsr-4094	249	22	refund	refund	NOUN
fsr-4094	249	23	.	.	PUNCT
fsr-4094	250	1	we	we	PRON
fsr-4094	250	2	also	also	ADV
fsr-4094	250	3	find	find	VERB
fsr-4094	250	4	a	a	DET
fsr-4094	250	5	positive	positive	ADJ
fsr-4094	250	6	association	association	NOUN
fsr-4094	250	7	,	,	PUNCT
fsr-4094	250	8	1.48	1.48	NUM
fsr-4094	250	9	percent	percent	NOUN
fsr-4094	250	10	,	,	PUNCT
fsr-4094	250	11	with	with	ADP
fsr-4094	250	12	using	use	VERB
fsr-4094	250	13	crypto	crypto	NOUN
fsr-4094	250	14	to	to	PART
fsr-4094	250	15	make	make	VERB
fsr-4094	250	16	payments	payment	NOUN
fsr-4094	250	17	and	and	CCONJ
fsr-4094	250	18	paying	pay	VERB
fsr-4094	250	19	an	an	DET
fsr-4094	250	20	overdraft	overdraft	NOUN
fsr-4094	250	21	fee	fee	NOUN
fsr-4094	250	22	on	on	ADP
fsr-4094	250	23	a	a	DET
fsr-4094	250	24	bank	bank	NOUN
fsr-4094	250	25	account	account	NOUN
fsr-4094	250	26	.	.	PUNCT
fsr-4094	251	1	we	we	PRON
fsr-4094	251	2	find	find	VERB
fsr-4094	251	3	an	an	DET
fsr-4094	251	4	association	association	NOUN
fsr-4094	251	5	with	with	ADP
fsr-4094	251	6	risk	risk	NOUN
fsr-4094	251	7	tolerance	tolerance	NOUN
fsr-4094	251	8	,	,	PUNCT
fsr-4094	251	9	although	although	SCONJ
fsr-4094	251	10	only	only	ADV
fsr-4094	251	11	at	at	ADP
fsr-4094	251	12	some	some	PRON
fsr-4094	251	13	of	of	ADP
fsr-4094	251	14	the	the	DET
fsr-4094	251	15	higher	high	ADJ
fsr-4094	251	16	levels	level	NOUN
fsr-4094	251	17	of	of	ADP
fsr-4094	251	18	selfreported	selfreporte	VERB
fsr-4094	251	19	risk	risk	NOUN
fsr-4094	251	20	tolerance	tolerance	NOUN
fsr-4094	251	21	.	.	PUNCT
fsr-4094	252	1	compared	compare	VERB
fsr-4094	252	2	to	to	ADP
fsr-4094	252	3	those	those	PRON
fsr-4094	252	4	who	who	PRON
fsr-4094	252	5	report	report	VERB
fsr-4094	252	6	they	they	PRON
fsr-4094	252	7	are	be	AUX
fsr-4094	252	8	not	not	PART
fsr-4094	252	9	at	at	ADV
fsr-4094	252	10	all	all	ADV
fsr-4094	252	11	willing	willing	ADJ
fsr-4094	252	12	to	to	PART
fsr-4094	252	13	take	take	VERB
fsr-4094	252	14	risk	risk	NOUN
fsr-4094	252	15	,	,	PUNCT
fsr-4094	252	16	those	those	PRON
fsr-4094	252	17	who	who	PRON
fsr-4094	252	18	report	report	VERB
fsr-4094	252	19	a	a	DET
fsr-4094	252	20	risk	risk	NOUN
fsr-4094	252	21	tolerance	tolerance	NOUN
fsr-4094	252	22	of	of	ADP
fsr-4094	252	23	6	6	NUM
fsr-4094	252	24	,	,	PUNCT
fsr-4094	252	25	8	8	NUM
fsr-4094	252	26	,	,	PUNCT
fsr-4094	252	27	or	or	CCONJ
fsr-4094	252	28	10	10	NUM
fsr-4094	252	29	(	(	PUNCT
fsr-4094	252	30	very	very	ADV
fsr-4094	252	31	willing	willing	ADJ
fsr-4094	252	32	)	)	PUNCT
fsr-4094	252	33	,	,	PUNCT
fsr-4094	252	34	were	be	AUX
fsr-4094	252	35	all	all	PRON
fsr-4094	252	36	associated	associate	VERB
fsr-4094	252	37	with	with	ADP
fsr-4094	252	38	a	a	DET
fsr-4094	252	39	higher	high	ADJ
fsr-4094	252	40	probability	probability	NOUN
fsr-4094	252	41	of	of	ADP
fsr-4094	252	42	using	use	VERB
fsr-4094	252	43	crypto	crypto	NOUN
fsr-4094	252	44	to	to	PART
fsr-4094	252	45	make	make	VERB
fsr-4094	252	46	payments	payment	NOUN
fsr-4094	252	47	in	in	ADP
fsr-4094	252	48	the	the	DET
fsr-4094	252	49	last	last	ADJ
fsr-4094	252	50	12	12	NUM
fsr-4094	252	51	months	month	NOUN
fsr-4094	252	52	,	,	PUNCT
fsr-4094	252	53	1.16	1.16	NUM
fsr-4094	252	54	percent	percent	NOUN
fsr-4094	252	55	,	,	PUNCT
fsr-4094	252	56	2.02	2.02	NUM
fsr-4094	252	57	percent	percent	NOUN
fsr-4094	252	58	,	,	PUNCT
fsr-4094	252	59	and	and	CCONJ
fsr-4094	252	60	3.93	3.93	NUM
fsr-4094	252	61	percent	percent	NOUN
fsr-4094	252	62	,	,	PUNCT
fsr-4094	252	63	respectively	respectively	ADV
fsr-4094	252	64	.	.	PUNCT
fsr-4094	253	1	those	those	PRON
fsr-4094	253	2	who	who	PRON
fsr-4094	253	3	identify	identify	VERB
fsr-4094	253	4	as	as	ADP
fsr-4094	253	5	hispanic	hispanic	ADJ
fsr-4094	253	6	,	,	PUNCT
fsr-4094	253	7	had	have	VERB
fsr-4094	253	8	a	a	DET
fsr-4094	253	9	0.9	0.9	NUM
fsr-4094	253	10	percent	percent	NOUN
fsr-4094	253	11	higher	high	ADJ
fsr-4094	253	12	probability	probability	NOUN
fsr-4094	253	13	of	of	ADP
fsr-4094	253	14	using	use	VERB
fsr-4094	253	15	cryptocurrencies	cryptocurrencie	NOUN
fsr-4094	253	16	to	to	PART
fsr-4094	253	17	make	make	VERB
fsr-4094	253	18	payments	payment	NOUN
fsr-4094	253	19	in	in	ADP
fsr-4094	253	20	the	the	DET
fsr-4094	253	21	last	last	ADJ
fsr-4094	253	22	12	12	NUM
fsr-4094	253	23	months	month	NOUN
fsr-4094	253	24	compared	compare	VERB
fsr-4094	253	25	to	to	ADP
fsr-4094	253	26	those	those	PRON
fsr-4094	253	27	who	who	PRON
fsr-4094	253	28	identified	identify	VERB
fsr-4094	253	29	as	as	ADP
fsr-4094	253	30	white	white	ADJ
fsr-4094	253	31	.	.	PUNCT
fsr-4094	254	1	identifying	identify	VERB
fsr-4094	254	2	as	as	ADP
fsr-4094	254	3	female	female	ADJ
fsr-4094	254	4	was	be	AUX
fsr-4094	254	5	associated	associate	VERB
fsr-4094	254	6	with	with	ADP
fsr-4094	254	7	a	a	DET
fsr-4094	254	8	1.18	1.18	NUM
fsr-4094	254	9	lower	low	ADJ
fsr-4094	254	10	probability	probability	NOUN
fsr-4094	254	11	of	of	ADP
fsr-4094	254	12	using	use	VERB
fsr-4094	254	13	crypto	crypto	NOUN
fsr-4094	254	14	to	to	PART
fsr-4094	254	15	make	make	VERB
fsr-4094	254	16	payments	payment	NOUN
fsr-4094	254	17	.	.	PUNCT
fsr-4094	255	1	those	those	PRON
fsr-4094	255	2	who	who	PRON
fsr-4094	255	3	had	have	VERB
fsr-4094	255	4	investments	investment	NOUN
fsr-4094	255	5	between	between	ADP
fsr-4094	255	6	$	$	SYM
fsr-4094	255	7	50,000	50,000	NUM
fsr-4094	255	8	and	and	CCONJ
fsr-4094	255	9	$	$	SYM
fsr-4094	255	10	99,000	99,000	NUM
fsr-4094	255	11	had	have	VERB
fsr-4094	255	12	a	a	DET
fsr-4094	255	13	1.05	1.05	NUM
fsr-4094	255	14	percent	percent	NOUN
fsr-4094	255	15	higher	high	ADJ
fsr-4094	255	16	probability	probability	NOUN
fsr-4094	255	17	of	of	ADP
fsr-4094	255	18	using	use	VERB
fsr-4094	255	19	crypto	crypto	NOUN
fsr-4094	255	20	to	to	PART
fsr-4094	255	21	make	make	VERB
fsr-4094	255	22	payments	payment	NOUN
fsr-4094	255	23	than	than	ADP
fsr-4094	255	24	those	those	PRON
fsr-4094	255	25	who	who	PRON
fsr-4094	255	26	had	have	VERB
fsr-4094	255	27	less	less	ADJ
fsr-4094	255	28	than	than	ADP
fsr-4094	255	29	$	$	SYM
fsr-4094	255	30	50,000	50,000	NUM
fsr-4094	255	31	in	in	ADP
fsr-4094	255	32	savings	saving	NOUN
fsr-4094	255	33	and	and	CCONJ
fsr-4094	255	34	investments	investment	NOUN
fsr-4094	255	35	,	,	PUNCT
fsr-4094	255	36	but	but	CCONJ
fsr-4094	255	37	none	none	NOUN
fsr-4094	255	38	of	of	ADP
fsr-4094	255	39	the	the	DET
fsr-4094	255	40	other	other	ADJ
fsr-4094	255	41	levels	level	NOUN
fsr-4094	255	42	of	of	ADP
fsr-4094	255	43	investments	investment	NOUN
fsr-4094	255	44	had	have	VERB
fsr-4094	255	45	a	a	DET
fsr-4094	255	46	significant	significant	ADJ
fsr-4094	255	47	association	association	NOUN
fsr-4094	255	48	.	.	PUNCT
fsr-4094	256	1	lastly	lastly	ADV
fsr-4094	256	2	,	,	PUNCT
fsr-4094	256	3	we	we	PRON
fsr-4094	256	4	find	find	VERB
fsr-4094	256	5	age	age	NOUN
fsr-4094	256	6	to	to	PART
fsr-4094	256	7	have	have	VERB
fsr-4094	256	8	a	a	DET
fsr-4094	256	9	negative	negative	ADJ
fsr-4094	256	10	association	association	NOUN
fsr-4094	256	11	,	,	PUNCT
fsr-4094	256	12	0.01	0.01	NUM
fsr-4094	256	13	percent	percent	NOUN
fsr-4094	256	14	,	,	PUNCT
fsr-4094	256	15	and	and	CCONJ
fsr-4094	256	16	employment	employment	NOUN
fsr-4094	256	17	to	to	PART
fsr-4094	256	18	have	have	VERB
fsr-4094	256	19	a	a	DET
fsr-4094	256	20	positive	positive	ADJ
fsr-4094	256	21	association	association	NOUN
fsr-4094	256	22	,	,	PUNCT
fsr-4094	256	23	0.81	0.81	NUM
fsr-4094	256	24	percent	percent	NOUN
fsr-4094	256	25	with	with	ADP
fsr-4094	256	26	using	use	VERB
fsr-4094	256	27	crypto	crypto	NOUN
fsr-4094	256	28	to	to	PART
fsr-4094	256	29	make	make	VERB
fsr-4094	256	30	payments	payment	NOUN
fsr-4094	256	31	.	.	PUNCT
fsr-4094	257	1	using	use	VERB
fsr-4094	257	2	cryptocurrencies	cryptocurrencie	NOUN
fsr-4094	257	3	to	to	PART
fsr-4094	257	4	send	send	VERB
fsr-4094	257	5	money	money	NOUN
fsr-4094	257	6	the	the	DET
fsr-4094	257	7	results	result	NOUN
fsr-4094	257	8	for	for	ADP
fsr-4094	257	9	model	model	NOUN
fsr-4094	257	10	1.3	1.3	NUM
fsr-4094	257	11	show	show	NOUN
fsr-4094	257	12	several	several	ADJ
fsr-4094	257	13	statistically	statistically	ADV
fsr-4094	257	14	significant	significant	ADJ
fsr-4094	257	15	associations	association	NOUN
fsr-4094	257	16	with	with	ADP
fsr-4094	257	17	the	the	DET
fsr-4094	257	18	use	use	NOUN
fsr-4094	257	19	of	of	ADP
fsr-4094	257	20	afss	afss	ADJ
fsr-4094	257	21	and	and	CCONJ
fsr-4094	257	22	using	use	VERB
fsr-4094	257	23	cryptocurrencies	cryptocurrencie	NOUN
fsr-4094	257	24	to	to	PART
fsr-4094	257	25	send	send	VERB
fsr-4094	257	26	money	money	NOUN
fsr-4094	257	27	to	to	ADP
fsr-4094	257	28	friends	friend	NOUN
fsr-4094	257	29	or	or	CCONJ
fsr-4094	257	30	family	family	NOUN
fsr-4094	257	31	within	within	ADP
fsr-4094	257	32	the	the	DET
fsr-4094	257	33	last	last	ADJ
fsr-4094	257	34	12	12	NUM
fsr-4094	257	35	months	month	NOUN
fsr-4094	257	36	.	.	PUNCT
fsr-4094	258	1	compared	compare	VERB
fsr-4094	258	2	to	to	ADP
fsr-4094	258	3	those	those	PRON
fsr-4094	258	4	who	who	PRON
fsr-4094	258	5	did	do	AUX
fsr-4094	258	6	n’t	not	PART
fsr-4094	258	7	use	use	VERB
fsr-4094	258	8	crypto	crypto	NOUN
fsr-4094	258	9	to	to	PART
fsr-4094	258	10	send	send	VERB
fsr-4094	258	11	money	money	NOUN
fsr-4094	258	12	to	to	ADP
fsr-4094	258	13	friends	friend	NOUN
fsr-4094	258	14	or	or	CCONJ
fsr-4094	258	15	family	family	NOUN
fsr-4094	258	16	,	,	PUNCT
fsr-4094	258	17	those	those	PRON
fsr-4094	258	18	who	who	PRON
fsr-4094	258	19	did	do	AUX
fsr-4094	258	20	had	have	VERB
fsr-4094	258	21	0.62	0.62	NUM
fsr-4094	258	22	higher	high	ADJ
fsr-4094	258	23	probability	probability	NOUN
fsr-4094	258	24	of	of	ADP
fsr-4094	258	25	purchasing	purchase	VERB
fsr-4094	258	26	a	a	DET
fsr-4094	258	27	money	money	NOUN
fsr-4094	258	28	order	order	NOUN
fsr-4094	258	29	from	from	ADP
fsr-4094	258	30	a	a	DET
fsr-4094	258	31	provider	provider	NOUN
fsr-4094	258	32	other	other	ADJ
fsr-4094	258	33	than	than	ADP
fsr-4094	258	34	a	a	DET
fsr-4094	258	35	bank	bank	NOUN
fsr-4094	258	36	in	in	ADP
fsr-4094	258	37	the	the	DET
fsr-4094	258	38	last	last	ADJ
fsr-4094	258	39	12	12	NUM
fsr-4094	258	40	months	month	NOUN
fsr-4094	258	41	.	.	PUNCT
fsr-4094	259	1	sending	send	VERB
fsr-4094	259	2	crypto	crypto	NOUN
fsr-4094	259	3	was	be	AUX
fsr-4094	259	4	also	also	ADV
fsr-4094	259	5	positively	positively	ADV
fsr-4094	259	6	associated	associate	VERB
fsr-4094	259	7	with	with	ADP
fsr-4094	259	8	cashing	cash	VERB
fsr-4094	259	9	a	a	DET
fsr-4094	259	10	check	check	NOUN
fsr-4094	259	11	outside	outside	ADP
fsr-4094	259	12	a	a	DET
fsr-4094	259	13	bank	bank	NOUN
fsr-4094	259	14	by	by	ADP
fsr-4094	259	15	0.86	0.86	NUM
fsr-4094	259	16	percent	percent	NOUN
fsr-4094	259	17	.	.	PUNCT
fsr-4094	260	1	our	our	PRON
fsr-4094	260	2	results	result	NOUN
fsr-4094	260	3	show	show	VERB
fsr-4094	260	4	that	that	SCONJ
fsr-4094	260	5	using	use	VERB
fsr-4094	260	6	crypto	crypto	NOUN
fsr-4094	260	7	to	to	PART
fsr-4094	260	8	send	send	VERB
fsr-4094	260	9	money	money	NOUN
fsr-4094	260	10	is	be	AUX
fsr-4094	260	11	associated	associate	VERB
fsr-4094	260	12	with	with	ADP
fsr-4094	260	13	a	a	DET
fsr-4094	260	14	0.92	0.92	NUM
fsr-4094	260	15	percent	percent	NOUN
fsr-4094	260	16	higher	high	ADJ
fsr-4094	260	17	probability	probability	NOUN
fsr-4094	260	18	of	of	ADP
fsr-4094	260	19	taking	take	VERB
fsr-4094	260	20	out	out	ADP
fsr-4094	260	21	a	a	DET
fsr-4094	260	22	payday	payday	NOUN
fsr-4094	260	23	loan	loan	NOUN
fsr-4094	260	24	,	,	PUNCT
fsr-4094	260	25	compared	compare	VERB
fsr-4094	260	26	to	to	ADP
fsr-4094	260	27	those	those	PRON
fsr-4094	260	28	who	who	PRON
fsr-4094	260	29	did	do	AUX
fsr-4094	260	30	n’t	not	PART
fsr-4094	260	31	use	use	VERB
fsr-4094	260	32	crypto	crypto	NOUN
fsr-4094	260	33	to	to	PART
fsr-4094	260	34	send	send	VERB
fsr-4094	260	35	money	money	NOUN
fsr-4094	260	36	.	.	PUNCT
fsr-4094	261	1	we	we	PRON
fsr-4094	261	2	find	find	VERB
fsr-4094	261	3	that	that	SCONJ
fsr-4094	261	4	the	the	DET
fsr-4094	261	5	use	use	NOUN
fsr-4094	261	6	crypto	crypto	NOUN
fsr-4094	261	7	to	to	PART
fsr-4094	261	8	send	send	VERB
fsr-4094	261	9	money	money	NOUN
fsr-4094	261	10	is	be	AUX
fsr-4094	261	11	associated	associate	VERB
fsr-4094	261	12	with	with	ADP
fsr-4094	261	13	a	a	DET
fsr-4094	261	14	2.24	2.24	NUM
fsr-4094	261	15	percent	percent	NOUN
fsr-4094	261	16	higher	high	ADJ
fsr-4094	261	17	probability	probability	NOUN
fsr-4094	261	18	of	of	ADP
fsr-4094	261	19	obtaining	obtain	VERB
fsr-4094	261	20	a	a	DET
fsr-4094	261	21	tax	tax	NOUN
fsr-4094	261	22	refund	refund	NOUN
fsr-4094	261	23	advance	advance	NOUN
fsr-4094	261	24	.	.	PUNCT
fsr-4094	262	1	further	far	ADV
fsr-4094	262	2	,	,	PUNCT
fsr-4094	262	3	we	we	PRON
fsr-4094	262	4	find	find	VERB
fsr-4094	262	5	sending	send	VERB
fsr-4094	262	6	money	money	NOUN
fsr-4094	262	7	with	with	ADP
fsr-4094	262	8	crypto	crypto	NOUN
fsr-4094	262	9	is	be	AUX
fsr-4094	262	10	associated	associate	VERB
fsr-4094	262	11	with	with	ADP
fsr-4094	262	12	a	a	DET
fsr-4094	262	13	0.66	0.66	NUM
fsr-4094	262	14	percent	percent	NOUN
fsr-4094	262	15	higher	high	ADJ
fsr-4094	262	16	probability	probability	NOUN
fsr-4094	262	17	of	of	ADP
fsr-4094	262	18	having	having	AUX
fsr-4094	262	19	paid	pay	VERB
fsr-4094	262	20	an	an	DET
fsr-4094	262	21	overdraft	overdraft	NOUN
fsr-4094	262	22	fee	fee	NOUN
fsr-4094	262	23	on	on	ADP
fsr-4094	262	24	a	a	DET
fsr-4094	262	25	bank	bank	NOUN
fsr-4094	262	26	account	account	NOUN
fsr-4094	262	27	.	.	PUNCT
fsr-4094	263	1	model	model	NOUN
fsr-4094	263	2	1.3	1.3	NUM
fsr-4094	263	3	shows	show	VERB
fsr-4094	263	4	some	some	DET
fsr-4094	263	5	association	association	NOUN
fsr-4094	263	6	with	with	ADP
fsr-4094	263	7	selfreported	selfreporte	VERB
fsr-4094	263	8	risk	risk	NOUN
fsr-4094	263	9	tolerance	tolerance	NOUN
fsr-4094	263	10	and	and	CCONJ
fsr-4094	263	11	sending	send	VERB
fsr-4094	263	12	money	money	NOUN
fsr-4094	263	13	with	with	ADP
fsr-4094	263	14	crypto	crypto	NOUN
fsr-4094	263	15	.	.	PUNCT
fsr-4094	264	1	compared	compare	VERB
fsr-4094	264	2	to	to	ADP
fsr-4094	264	3	those	those	PRON
fsr-4094	264	4	who	who	PRON
fsr-4094	264	5	were	be	AUX
fsr-4094	264	6	not	not	PART
fsr-4094	264	7	at	at	ADV
fsr-4094	264	8	all	all	ADV
fsr-4094	264	9	willing	willing	ADJ
fsr-4094	264	10	to	to	PART
fsr-4094	264	11	take	take	VERB
fsr-4094	264	12	risk	risk	NOUN
fsr-4094	264	13	,	,	PUNCT
fsr-4094	264	14	those	those	PRON
fsr-4094	264	15	who	who	PRON
fsr-4094	264	16	reported	report	VERB
fsr-4094	264	17	a	a	DET
fsr-4094	264	18	risk	risk	NOUN
fsr-4094	264	19	tolerance	tolerance	NOUN
fsr-4094	264	20	of	of	ADP
fsr-4094	264	21	1,5,8	1,5,8	NUM
fsr-4094	264	22	,	,	PUNCT
fsr-4094	264	23	and	and	CCONJ
fsr-4094	264	24	10	10	NUM
fsr-4094	264	25	all	all	PRON
fsr-4094	264	26	had	have	VERB
fsr-4094	264	27	a	a	DET
fsr-4094	264	28	higher	high	ADJ
fsr-4094	264	29	probability	probability	NOUN
fsr-4094	264	30	of	of	ADP
fsr-4094	264	31	using	use	VERB
fsr-4094	264	32	crypto	crypto	NOUN
fsr-4094	264	33	to	to	PART
fsr-4094	264	34	send	send	VERB
fsr-4094	264	35	money	money	NOUN
fsr-4094	264	36	,	,	PUNCT
fsr-4094	264	37	1.19	1.19	NUM
fsr-4094	264	38	percent	percent	NOUN
fsr-4094	264	39	,	,	PUNCT
fsr-4094	264	40	0.78	0.78	NUM
fsr-4094	264	41	percent	percent	NOUN
fsr-4094	264	42	,	,	PUNCT
fsr-4094	264	43	1.72	1.72	NUM
fsr-4094	264	44	percent	percent	NOUN
fsr-4094	264	45	,	,	PUNCT
fsr-4094	264	46	and	and	CCONJ
fsr-4094	264	47	5.05	5.05	NUM
fsr-4094	264	48	percent	percent	NOUN
fsr-4094	264	49	,	,	PUNCT
fsr-4094	264	50	respectively	respectively	ADV
fsr-4094	264	51	.	.	PUNCT
fsr-4094	265	1	compared	compare	VERB
fsr-4094	265	2	to	to	ADP
fsr-4094	265	3	those	those	PRON
fsr-4094	265	4	who	who	PRON
fsr-4094	265	5	identified	identify	VERB
fsr-4094	265	6	as	as	ADP
fsr-4094	265	7	white	white	ADJ
fsr-4094	265	8	,	,	PUNCT
fsr-4094	265	9	those	those	PRON
fsr-4094	265	10	who	who	PRON
fsr-4094	265	11	reported	report	VERB
fsr-4094	265	12	being	be	AUX
fsr-4094	265	13	in	in	ADP
fsr-4094	265	14	any	any	DET
fsr-4094	265	15	other	other	ADJ
fsr-4094	265	16	racial	racial	ADJ
fsr-4094	265	17	or	or	CCONJ
fsr-4094	265	18	ethnic	ethnic	ADJ
fsr-4094	265	19	identification	identification	NOUN
fsr-4094	265	20	were	be	AUX
fsr-4094	265	21	more	more	ADV
fsr-4094	265	22	likely	likely	ADJ
fsr-4094	265	23	to	to	PART
fsr-4094	265	24	use	use	VERB
fsr-4094	265	25	cryptocurrencies	cryptocurrencie	NOUN
fsr-4094	265	26	to	to	PART
fsr-4094	265	27	send	send	VERB
fsr-4094	265	28	money	money	NOUN
fsr-4094	265	29	to	to	ADP
fsr-4094	265	30	friends	friend	NOUN
fsr-4094	265	31	or	or	CCONJ
fsr-4094	265	32	family	family	NOUN
fsr-4094	265	33	.	.	PUNCT
fsr-4094	266	1	reporting	report	VERB
fsr-4094	266	2	being	be	AUX
fsr-4094	266	3	black	black	ADJ
fsr-4094	266	4	and	and	CCONJ
fsr-4094	266	5	non	non	ADJ
fsr-4094	266	6	-	-	ADJ
fsr-4094	266	7	hispanic	hispanic	ADJ
fsr-4094	266	8	was	be	AUX
fsr-4094	266	9	associated	associate	VERB
fsr-4094	266	10	with	with	ADP
fsr-4094	266	11	a	a	DET
fsr-4094	266	12	1.7	1.7	NUM
fsr-4094	266	13	percent	percent	NOUN
fsr-4094	266	14	higher	high	ADJ
fsr-4094	266	15	probability	probability	NOUN
fsr-4094	266	16	of	of	ADP
fsr-4094	266	17	using	use	VERB
fsr-4094	266	18	crypto	crypto	NOUN
fsr-4094	266	19	to	to	PART
fsr-4094	266	20	send	send	VERB
fsr-4094	266	21	money	money	NOUN
fsr-4094	266	22	.	.	PUNCT
fsr-4094	267	1	reporting	report	VERB
fsr-4094	267	2	being	be	AUX
fsr-4094	267	3	other	other	ADJ
fsr-4094	267	4	non	non	ADJ
fsr-4094	267	5	-	-	ADJ
fsr-4094	267	6	hispanic	hispanic	ADJ
fsr-4094	267	7	was	be	AUX
fsr-4094	267	8	associated	associate	VERB
fsr-4094	267	9	with	with	ADP
fsr-4094	267	10	a	a	DET
fsr-4094	267	11	1.61	1.61	NUM
fsr-4094	267	12	percent	percent	NOUN
fsr-4094	267	13	higher	high	ADJ
fsr-4094	267	14	probability	probability	NOUN
fsr-4094	267	15	of	of	ADP
fsr-4094	267	16	using	use	VERB
fsr-4094	267	17	crypto	crypto	NOUN
fsr-4094	267	18	to	to	PART
fsr-4094	267	19	send	send	VERB
fsr-4094	267	20	money	money	NOUN
fsr-4094	267	21	.	.	PUNCT
fsr-4094	268	1	reporting	report	VERB
fsr-4094	268	2	being	be	AUX
fsr-4094	268	3	hispanic	hispanic	ADJ
fsr-4094	268	4	was	be	AUX
fsr-4094	268	5	associated	associate	VERB
fsr-4094	268	6	with	with	ADP
fsr-4094	268	7	a	a	DET
fsr-4094	268	8	0.63	0.63	NUM
fsr-4094	268	9	percent	percent	NOUN
fsr-4094	268	10	higher	high	ADJ
fsr-4094	268	11	probability	probability	NOUN
fsr-4094	268	12	of	of	ADP
fsr-4094	268	13	using	use	VERB
fsr-4094	268	14	crypto	crypto	NOUN
fsr-4094	268	15	to	to	PART
fsr-4094	268	16	send	send	VERB
fsr-4094	268	17	money	money	NOUN
fsr-4094	268	18	,	,	PUNCT
fsr-4094	268	19	compared	compare	VERB
fsr-4094	268	20	to	to	ADP
fsr-4094	268	21	those	those	PRON
fsr-4094	268	22	who	who	PRON
fsr-4094	268	23	reported	report	VERB
fsr-4094	268	24	being	be	AUX
fsr-4094	268	25	white	white	ADJ
fsr-4094	268	26	and	and	CCONJ
fsr-4094	268	27	non	non	ADJ
fsr-4094	268	28	-	-	ADJ
fsr-4094	268	29	hispanic	hispanic	ADJ
fsr-4094	268	30	.	.	PUNCT
fsr-4094	269	1	we	we	PRON
fsr-4094	269	2	also	also	ADV
fsr-4094	269	3	find	find	VERB
fsr-4094	269	4	associations	association	NOUN
fsr-4094	269	5	with	with	ADP
fsr-4094	269	6	some	some	DET
fsr-4094	269	7	levels	level	NOUN
fsr-4094	269	8	of	of	ADP
fsr-4094	269	9	self	self	NOUN
fsr-4094	269	10	-	-	PUNCT
fsr-4094	269	11	reported	report	VERB
fsr-4094	269	12	credit	credit	NOUN
fsr-4094	269	13	score	score	NOUN
fsr-4094	269	14	and	and	CCONJ
fsr-4094	269	15	sending	send	VERB
fsr-4094	269	16	crypto	crypto	NOUN
fsr-4094	269	17	to	to	ADP
fsr-4094	269	18	friends	friend	NOUN
fsr-4094	269	19	or	or	CCONJ
fsr-4094	269	20	family	family	NOUN
fsr-4094	269	21	in	in	ADP
fsr-4094	269	22	the	the	DET
fsr-4094	269	23	last	last	ADJ
fsr-4094	269	24	12	12	NUM
fsr-4094	269	25	months	month	NOUN
fsr-4094	269	26	.	.	PUNCT
fsr-4094	270	1	compared	compare	VERB
fsr-4094	270	2	to	to	ADP
fsr-4094	270	3	those	those	PRON
fsr-4094	270	4	who	who	PRON
fsr-4094	270	5	report	report	VERB
fsr-4094	270	6	that	that	SCONJ
fsr-4094	270	7	they	they	PRON
fsr-4094	270	8	have	have	VERB
fsr-4094	270	9	a	a	DET
fsr-4094	270	10	very	very	ADV
fsr-4094	270	11	poor	poor	ADJ
fsr-4094	270	12	credit	credit	NOUN
fsr-4094	270	13	score	score	NOUN
fsr-4094	270	14	,	,	PUNCT
fsr-4094	270	15	those	those	PRON
fsr-4094	270	16	who	who	PRON
fsr-4094	270	17	report	report	VERB
fsr-4094	270	18	having	have	VERB
fsr-4094	270	19	a	a	DET
fsr-4094	270	20	poor	poor	ADJ
fsr-4094	270	21	credit	credit	NOUN
fsr-4094	270	22	score	score	NOUN
fsr-4094	270	23	had	have	VERB
fsr-4094	270	24	a	a	DET
fsr-4094	270	25	2.14	2.14	NUM
fsr-4094	270	26	percent	percent	NOUN
fsr-4094	270	27	lower	low	ADJ
fsr-4094	270	28	probability	probability	NOUN
fsr-4094	270	29	of	of	ADP
fsr-4094	270	30	using	use	VERB
fsr-4094	270	31	crypto	crypto	NOUN
fsr-4094	270	32	to	to	PART
fsr-4094	270	33	send	send	VERB
fsr-4094	270	34	money	money	NOUN
fsr-4094	270	35	to	to	ADP
fsr-4094	270	36	friends	friend	NOUN
fsr-4094	270	37	or	or	CCONJ
fsr-4094	270	38	family	family	NOUN
fsr-4094	270	39	.	.	PUNCT
fsr-4094	271	1	while	while	SCONJ
fsr-4094	271	2	reporting	report	VERB
fsr-4094	271	3	having	have	VERB
fsr-4094	271	4	an	an	DET
fsr-4094	271	5	excellent	excellent	ADJ
fsr-4094	271	6	credit	credit	NOUN
fsr-4094	271	7	score	score	NOUN
fsr-4094	271	8	was	be	AUX
fsr-4094	271	9	associated	associate	VERB
fsr-4094	271	10	with	with	ADP
fsr-4094	271	11	a	a	DET
fsr-4094	271	12	1.89	1.89	NUM
fsr-4094	271	13	percent	percent	NOUN
fsr-4094	271	14	lower	low	ADJ
fsr-4094	271	15	probability	probability	NOUN
fsr-4094	271	16	of	of	ADP
fsr-4094	271	17	using	use	VERB
fsr-4094	271	18	crypto	crypto	NOUN
fsr-4094	271	19	to	to	PART
fsr-4094	271	20	send	send	VERB
fsr-4094	271	21	money	money	NOUN
fsr-4094	271	22	,	,	PUNCT
fsr-4094	271	23	compared	compare	VERB
fsr-4094	271	24	to	to	ADP
fsr-4094	271	25	those	those	PRON
fsr-4094	271	26	who	who	PRON
fsr-4094	271	27	report	report	VERB
fsr-4094	271	28	a	a	DET
fsr-4094	271	29	very	very	ADV
fsr-4094	271	30	poor	poor	ADJ
fsr-4094	271	31	credit	credit	NOUN
fsr-4094	271	32	score	score	NOUN
fsr-4094	271	33	.	.	PUNCT
fsr-4094	272	1	lastly	lastly	ADV
fsr-4094	272	2	,	,	PUNCT
fsr-4094	272	3	we	we	PRON
fsr-4094	272	4	find	find	VERB
fsr-4094	272	5	that	that	SCONJ
fsr-4094	272	6	answering	answer	VERB
fsr-4094	272	7	all	all	DET
fsr-4094	272	8	three	three	NUM
fsr-4094	272	9	financial	financial	ADJ
fsr-4094	272	10	literacy	literacy	NOUN
fsr-4094	272	11	questions	question	NOUN
fsr-4094	272	12	correctly	correctly	ADV
fsr-4094	272	13	was	be	AUX
fsr-4094	272	14	associated	associate	VERB
fsr-4094	272	15	with	with	ADP
fsr-4094	272	16	a	a	DET
fsr-4094	272	17	0.98	0.98	NUM
fsr-4094	272	18	percent	percent	NOUN
fsr-4094	272	19	lower	low	ADJ
fsr-4094	272	20	probability	probability	NOUN
fsr-4094	272	21	of	of	ADP
fsr-4094	272	22	sending	send	VERB
fsr-4094	272	23	money	money	NOUN
fsr-4094	272	24	to	to	ADP
fsr-4094	272	25	friends	friend	NOUN
fsr-4094	272	26	or	or	CCONJ
fsr-4094	272	27	family	family	NOUN
fsr-4094	272	28	.	.	PUNCT
fsr-4094	273	1	financial	financial	ADJ
fsr-4094	273	2	services	services	PROPN
fsr-4094	273	3	review	review	PROPN
fsr-4094	273	4	,	,	PUNCT
fsr-4094	273	5	33(2	33(2	NUM
fsr-4094	273	6	)	)	PUNCT
fsr-4094	273	7	135	135	NUM
fsr-4094	273	8	table	table	NOUN
fsr-4094	273	9	3	3	NUM
fsr-4094	273	10	.	.	PUNCT
fsr-4094	273	11	marginal	marginal	ADJ
fsr-4094	273	12	effects	effect	NOUN
fsr-4094	273	13	of	of	ADP
fsr-4094	273	14	the	the	DET
fsr-4094	273	15	three	three	NUM
fsr-4094	273	16	models	model	NOUN
fsr-4094	273	17	independent	independent	ADJ
fsr-4094	273	18	variable	variable	ADJ
fsr-4094	273	19	marginal	marginal	ADJ
fsr-4094	273	20	effect	effect	NOUN
fsr-4094	273	21	(	(	PUNCT
fsr-4094	273	22	standard	standard	ADJ
fsr-4094	273	23	error	error	NOUN
fsr-4094	273	24	)	)	PUNCT
fsr-4094	273	25	crypto	crypto	NOUN
fsr-4094	273	26	as	as	ADP
fsr-4094	273	27	an	an	DET
fsr-4094	273	28	investment	investment	NOUN
fsr-4094	273	29	[	[	X
fsr-4094	273	30	1.1	1.1	NUM
fsr-4094	273	31	]	]	PUNCT
fsr-4094	273	32	(	(	PUNCT
fsr-4094	273	33	se	se	X
fsr-4094	273	34	)	)	PUNCT
fsr-4094	273	35	crypto	crypto	NOUN
fsr-4094	273	36	as	as	ADP
fsr-4094	273	37	a	a	DET
fsr-4094	273	38	payment	payment	NOUN
fsr-4094	273	39	[	[	X
fsr-4094	273	40	1.2	1.2	NUM
fsr-4094	273	41	]	]	PUNCT
fsr-4094	273	42	(	(	PUNCT
fsr-4094	273	43	se	se	X
fsr-4094	273	44	)	)	PUNCT
fsr-4094	273	45	crypto	crypto	VERB
fsr-4094	273	46	to	to	PART
fsr-4094	273	47	send	send	VERB
fsr-4094	273	48	money	money	NOUN
fsr-4094	273	49	[	[	X
fsr-4094	273	50	1.3	1.3	NUM
fsr-4094	273	51	]	]	PUNCT
fsr-4094	273	52	(	(	PUNCT
fsr-4094	273	53	se	se	X
fsr-4094	273	54	)	)	PUNCT
fsr-4094	273	55	has	have	VERB
fsr-4094	273	56	a	a	DET
fsr-4094	273	57	checking	checking	NOUN
fsr-4094	273	58	/	/	SYM
fsr-4094	273	59	savings	saving	NOUN
fsr-4094	273	60	/	/	SYM
fsr-4094	273	61	money	money	NOUN
fsr-4094	273	62	market	market	NOUN
fsr-4094	273	63	account	account	VERB
fsr-4094	273	64	0.0177	0.0177	NUM
fsr-4094	273	65	0.0244	0.0244	NUM
fsr-4094	273	66	-0.0010	-0.0010	NOUN
fsr-4094	273	67	0.0065	0.0065	NUM
fsr-4094	273	68	-0.0077	-0.0077	PUNCT
fsr-4094	273	69	0.0051	0.0051	NUM
fsr-4094	273	70	purchased	purchase	VERB
fsr-4094	273	71	money	money	NOUN
fsr-4094	273	72	order	order	NOUN
fsr-4094	273	73	outside	outside	ADP
fsr-4094	273	74	of	of	ADP
fsr-4094	273	75	bank	bank	NOUN
fsr-4094	273	76	0.0268	0.0268	PROPN
fsr-4094	273	77	*	*	PUNCT
fsr-4094	273	78	*	*	X
fsr-4094	273	79	0.0123	0.0123	NUM
fsr-4094	273	80	0.009	0.009	NUM
fsr-4094	273	81	*	*	PUNCT
fsr-4094	273	82	*	*	X
fsr-4094	273	83	0.0040	0.0040	NUM
fsr-4094	273	84	0.0062	0.0062	NUM
fsr-4094	273	85	*	*	SYM
fsr-4094	273	86	0.0036	0.0036	NUM
fsr-4094	273	87	cashed	cashed	ADJ
fsr-4094	273	88	check	check	NOUN
fsr-4094	273	89	outside	outside	ADP
fsr-4094	273	90	of	of	ADP
fsr-4094	273	91	bank	bank	NOUN
fsr-4094	273	92	0.0182	0.0182	NUM
fsr-4094	274	1	0.0153	0.0153	NUM
fsr-4094	274	2	0.0121	0.0121	NUM
fsr-4094	274	3	*	*	PUNCT
fsr-4094	274	4	*	*	PUNCT
fsr-4094	274	5	0.0043	0.0043	NUM
fsr-4094	274	6	0.0086	0.0086	NUM
fsr-4094	274	7	*	*	PUNCT
fsr-4094	274	8	*	*	PUNCT
fsr-4094	274	9	0.0041	0.0041	NUM
fsr-4094	274	10	taken	take	VERB
fsr-4094	274	11	out	out	ADP
fsr-4094	274	12	a	a	DET
fsr-4094	274	13	payday	payday	NOUN
fsr-4094	274	14	loan	loan	NOUN
fsr-4094	274	15	0.0334	0.0334	NUM
fsr-4094	274	16	*	*	PUNCT
fsr-4094	274	17	0.0196	0.0196	NUM
fsr-4094	274	18	0.0035	0.0035	NUM
fsr-4094	274	19	0.0059	0.0059	NUM
fsr-4094	274	20	0.0092	0.0092	NUM
fsr-4094	274	21	*	*	PUNCT
fsr-4094	274	22	0.0053	0.0053	NUM
fsr-4094	274	23	taken	take	VERB
fsr-4094	274	24	out	out	ADP
fsr-4094	274	25	a	a	DET
fsr-4094	274	26	pawnshop	pawnshop	NOUN
fsr-4094	274	27	/	/	SYM
fsr-4094	274	28	title	title	NOUN
fsr-4094	274	29	loan	loan	NOUN
fsr-4094	274	30	0.042	0.042	NUM
fsr-4094	274	31	*	*	NUM
fsr-4094	274	32	0.0238	0.0238	NUM
fsr-4094	274	33	0.0066	0.0066	NUM
fsr-4094	274	34	0.0062	0.0062	NUM
fsr-4094	274	35	-0.0032	-0.0032	NOUN
fsr-4094	275	1	0.0060	0.0060	NUM
fsr-4094	275	2	obtained	obtain	VERB
fsr-4094	275	3	a	a	DET
fsr-4094	275	4	tax	tax	NOUN
fsr-4094	275	5	refund	refund	NOUN
fsr-4094	275	6	advance	advance	NOUN
fsr-4094	275	7	0.0035	0.0035	NUM
fsr-4094	275	8	0.0263	0.0263	NUM
fsr-4094	275	9	0.0132	0.0132	NUM
fsr-4094	275	10	*	*	PUNCT
fsr-4094	275	11	0.0074	0.0074	NUM
fsr-4094	275	12	0.0224	0.0224	NUM
fsr-4094	275	13	*	*	PUNCT
fsr-4094	275	14	*	*	PUNCT
fsr-4094	275	15	*	*	PUNCT
fsr-4094	276	1	0.0055	0.0055	PRON
fsr-4094	276	2	paid	pay	VERB
fsr-4094	276	3	an	an	DET
fsr-4094	276	4	overdraft	overdraft	NOUN
fsr-4094	276	5	fee	fee	NOUN
fsr-4094	276	6	on	on	ADP
fsr-4094	276	7	a	a	DET
fsr-4094	276	8	bank	bank	NOUN
fsr-4094	276	9	account	account	NOUN
fsr-4094	276	10	0.0382	0.0382	NUM
fsr-4094	276	11	*	*	PUNCT
fsr-4094	276	12	*	*	PUNCT
fsr-4094	276	13	*	*	PUNCT
fsr-4094	276	14	0.0104	0.0104	NUM
fsr-4094	276	15	0.0148	0.0148	NUM
fsr-4094	276	16	*	*	PUNCT
fsr-4094	276	17	*	*	PUNCT
fsr-4094	276	18	*	*	PUNCT
fsr-4094	276	19	0.0041	0.0041	NUM
fsr-4094	276	20	0.0066	0.0066	NUM
fsr-4094	276	21	*	*	PROPN
fsr-4094	276	22	0.0039	0.0039	NUM
fsr-4094	276	23	willing	willing	ADJ
fsr-4094	276	24	to	to	PART
fsr-4094	276	25	take	take	VERB
fsr-4094	276	26	financial	financial	ADJ
fsr-4094	276	27	risk	risk	NOUN
fsr-4094	276	28	0	0	NUM
fsr-4094	276	29	not	not	PART
fsr-4094	276	30	at	at	ADV
fsr-4094	276	31	all	all	ADV
fsr-4094	276	32	(	(	PUNCT
fsr-4094	276	33	reference	reference	NOUN
fsr-4094	276	34	)	)	PUNCT
fsr-4094	276	35	1	1	NUM
fsr-4094	276	36	0.0217	0.0217	NUM
fsr-4094	276	37	0.0137	0.0137	NUM
fsr-4094	276	38	0.0037	0.0037	NUM
fsr-4094	276	39	0.0057	0.0057	NUM
fsr-4094	276	40	0.0119	0.0119	NUM
fsr-4094	276	41	*	*	NOUN
fsr-4094	276	42	0.0064	0.0064	NUM
fsr-4094	276	43	2	2	NUM
fsr-4094	276	44	0.0436	0.0436	NUM
fsr-4094	276	45	*	*	PUNCT
fsr-4094	276	46	*	*	PUNCT
fsr-4094	276	47	*	*	PUNCT
fsr-4094	276	48	0.0120	0.0120	NUM
fsr-4094	276	49	-0.0018	-0.0018	NOUN
fsr-4094	277	1	0.0044	0.0044	NUM
fsr-4094	277	2	0.0074	0.0074	NUM
fsr-4094	277	3	0.0053	0.0053	NUM
fsr-4094	277	4	3	3	NUM
fsr-4094	277	5	0.0258	0.0258	NUM
fsr-4094	277	6	*	*	PUNCT
fsr-4094	277	7	*	*	PUNCT
fsr-4094	277	8	0.0105	0.0105	NUM
fsr-4094	277	9	0.0033	0.0033	NUM
fsr-4094	277	10	0.0049	0.0049	NUM
fsr-4094	277	11	0.0036	0.0036	NUM
fsr-4094	277	12	0.0042	0.0042	NUM
fsr-4094	277	13	4	4	NUM
fsr-4094	277	14	0.0315	0.0315	NOUN
fsr-4094	277	15	*	*	PUNCT
fsr-4094	277	16	*	*	PUNCT
fsr-4094	277	17	*	*	X
fsr-4094	277	18	0.0114	0.0114	NUM
fsr-4094	277	19	-0.0005	-0.0005	NOUN
fsr-4094	278	1	0.0043	0.0043	NUM
fsr-4094	278	2	0.0002	0.0002	NUM
fsr-4094	278	3	0.0041	0.0041	NUM
fsr-4094	278	4	5	5	NUM
fsr-4094	278	5	0.0422	0.0422	NUM
fsr-4094	278	6	*	*	PUNCT
fsr-4094	278	7	*	*	PUNCT
fsr-4094	278	8	*	*	PUNCT
fsr-4094	278	9	0.0093	0.0093	NUM
fsr-4094	278	10	0.0050	0.0050	NUM
fsr-4094	278	11	0.0044	0.0044	NUM
fsr-4094	278	12	0.0078	0.0078	NUM
fsr-4094	278	13	*	*	PUNCT
fsr-4094	278	14	0.0046	0.0046	NUM
fsr-4094	278	15	6	6	NUM
fsr-4094	278	16	0.0704	0.0704	NUM
fsr-4094	278	17	*	*	PUNCT
fsr-4094	278	18	*	*	PUNCT
fsr-4094	278	19	*	*	PUNCT
fsr-4094	278	20	0.0119	0.0119	NUM
fsr-4094	278	21	0.0116	0.0116	NUM
fsr-4094	278	22	*	*	PUNCT
fsr-4094	278	23	0.0063	0.0063	NUM
fsr-4094	278	24	0.0038	0.0038	NUM
fsr-4094	278	25	0.0051	0.0051	NUM
fsr-4094	278	26	7	7	NUM
fsr-4094	278	27	0.1016	0.1016	NUM
fsr-4094	278	28	*	*	PUNCT
fsr-4094	278	29	*	*	PUNCT
fsr-4094	278	30	*	*	PUNCT
fsr-4094	278	31	0.0136	0.0136	NUM
fsr-4094	278	32	0.0022	0.0022	NUM
fsr-4094	278	33	0.0046	0.0046	NUM
fsr-4094	278	34	0.0087	0.0087	NUM
fsr-4094	278	35	0.0061	0.0061	NUM
fsr-4094	278	36	8	8	NUM
fsr-4094	278	37	0.1244	0.1244	NUM
fsr-4094	278	38	*	*	PUNCT
fsr-4094	278	39	*	*	PUNCT
fsr-4094	278	40	*	*	PUNCT
fsr-4094	278	41	0.0168	0.0168	NUM
fsr-4094	278	42	0.0202	0.0202	NUM
fsr-4094	278	43	*	*	PUNCT
fsr-4094	278	44	*	*	PUNCT
fsr-4094	278	45	0.0084	0.0084	NUM
fsr-4094	278	46	0.0172	0.0172	NUM
fsr-4094	278	47	*	*	PUNCT
fsr-4094	278	48	*	*	PUNCT
fsr-4094	279	1	0.0081	0.0081	NUM
fsr-4094	279	2	9	9	NUM
fsr-4094	279	3	0.167	0.167	NUM
fsr-4094	279	4	*	*	PUNCT
fsr-4094	279	5	*	*	PUNCT
fsr-4094	279	6	*	*	PUNCT
fsr-4094	279	7	0.0346	0.0346	NUM
fsr-4094	279	8	0.0376	0.0376	NUM
fsr-4094	279	9	0.0232	0.0232	NUM
fsr-4094	279	10	0.0353	0.0353	NUM
fsr-4094	279	11	0.0265	0.0265	NUM
fsr-4094	279	12	10	10	NUM
fsr-4094	279	13	–	–	PUNCT
fsr-4094	279	14	very	very	ADV
fsr-4094	279	15	willing	willing	ADJ
fsr-4094	279	16	0.1221	0.1221	PRON
fsr-4094	279	17	*	*	PUNCT
fsr-4094	279	18	*	*	PUNCT
fsr-4094	279	19	*	*	PUNCT
fsr-4094	279	20	0.0249	0.0249	NUM
fsr-4094	279	21	0.0393	0.0393	NUM
fsr-4094	279	22	*	*	PUNCT
fsr-4094	279	23	*	*	PUNCT
fsr-4094	279	24	*	*	PUNCT
fsr-4094	280	1	0.0132	0.0132	NUM
fsr-4094	280	2	0.0505	0.0505	NUM
fsr-4094	280	3	*	*	PUNCT
fsr-4094	280	4	*	*	PUNCT
fsr-4094	280	5	*	*	PUNCT
fsr-4094	280	6	0.0167	0.0167	NUM
fsr-4094	280	7	race	race	NOUN
fsr-4094	280	8	/	/	SYM
fsr-4094	280	9	ethnicity	ethnicity	NOUN
fsr-4094	280	10	white	white	ADJ
fsr-4094	280	11	,	,	PUNCT
fsr-4094	280	12	non	non	ADJ
fsr-4094	280	13	-	-	ADJ
fsr-4094	280	14	hispanic	hispanic	ADJ
fsr-4094	280	15	black	black	ADJ
fsr-4094	280	16	,	,	PUNCT
fsr-4094	280	17	non	non	ADJ
fsr-4094	280	18	-	-	ADJ
fsr-4094	280	19	hispanic	hispanic	ADJ
fsr-4094	280	20	0.0061	0.0061	NUM
fsr-4094	280	21	0.0110	0.0110	NUM
fsr-4094	280	22	0.0139	0.0139	NUM
fsr-4094	280	23	0.0055	0.0055	NUM
fsr-4094	280	24	0.017	0.017	NUM
fsr-4094	280	25	*	*	PUNCT
fsr-4094	280	26	*	*	PUNCT
fsr-4094	280	27	*	*	PUNCT
fsr-4094	280	28	0.0056	0.0056	NUM
fsr-4094	280	29	financial	financial	ADJ
fsr-4094	280	30	services	service	NOUN
fsr-4094	280	31	review	review	NOUN
fsr-4094	280	32	,	,	PUNCT
fsr-4094	280	33	33(2	33(2	NUM
fsr-4094	280	34	)	)	PUNCT
fsr-4094	280	35	136	136	NUM
fsr-4094	280	36	other	other	ADJ
fsr-4094	280	37	,	,	PUNCT
fsr-4094	280	38	non	non	ADJ
fsr-4094	280	39	-	-	ADJ
fsr-4094	280	40	hispanic	hispanic	ADJ
fsr-4094	280	41	0.0236	0.0236	NUM
fsr-4094	280	42	*	*	SYM
fsr-4094	280	43	0.0138	0.0138	NUM
fsr-4094	280	44	0.0064	0.0064	NUM
fsr-4094	280	45	0.0063	0.0063	NUM
fsr-4094	280	46	0.0161	0.0161	NUM
fsr-4094	280	47	*	*	PUNCT
fsr-4094	280	48	*	*	X
fsr-4094	280	49	0.0080	0.0080	NUM
fsr-4094	280	50	hispanic	hispanic	NOUN
fsr-4094	280	51	0.0154	0.0154	NUM
fsr-4094	280	52	0.0103	0.0103	NUM
fsr-4094	280	53	0.009	0.009	NUM
fsr-4094	280	54	*	*	PUNCT
fsr-4094	280	55	*	*	PUNCT
fsr-4094	280	56	0.0042	0.0042	NUM
fsr-4094	280	57	0.0063	0.0063	NUM
fsr-4094	280	58	*	*	PUNCT
fsr-4094	280	59	0.0037	0.0037	NUM
fsr-4094	280	60	two	two	NUM
fsr-4094	280	61	or	or	CCONJ
fsr-4094	280	62	more	more	ADJ
fsr-4094	280	63	races	race	NOUN
fsr-4094	280	64	,	,	PUNCT
fsr-4094	280	65	nonhispanic	nonhispanic	ADJ
fsr-4094	280	66	0.0236	0.0236	NUM
fsr-4094	280	67	0.0180	0.0180	NUM
fsr-4094	280	68	-0.0007	-0.0007	NOUN
fsr-4094	280	69	0.0051	0.0051	NUM
fsr-4094	280	70	0.0053	0.0053	NUM
fsr-4094	280	71	0.0068	0.0068	NUM
fsr-4094	280	72	female	female	ADJ
fsr-4094	280	73	-0.0489	-0.0489	NOUN
fsr-4094	280	74	*	*	PUNCT
fsr-4094	280	75	*	*	PUNCT
fsr-4094	280	76	*	*	X
fsr-4094	281	1	0.0067	0.0067	NUM
fsr-4094	281	2	0.0118	0.0118	NUM
fsr-4094	281	3	*	*	PUNCT
fsr-4094	281	4	*	*	PUNCT
fsr-4094	281	5	*	*	NOUN
fsr-4094	281	6	0.0033	0.0033	NUM
fsr-4094	281	7	-0.0044	-0.0044	NOUN
fsr-4094	281	8	0.0029	0.0029	NUM
fsr-4094	281	9	married	marry	VERB
fsr-4094	281	10	0.0006	0.0006	NUM
fsr-4094	281	11	0.0070	0.0070	NUM
fsr-4094	281	12	-0.0046	-0.0046	NOUN
fsr-4094	281	13	0.0033	0.0033	NUM
fsr-4094	281	14	-0.0035	-0.0035	NOUN
fsr-4094	281	15	0.0033	0.0033	NUM
fsr-4094	281	16	total	total	ADJ
fsr-4094	281	17	savings	saving	NOUN
fsr-4094	281	18	&	&	CCONJ
fsr-4094	281	19	investments	investment	NOUN
fsr-4094	281	20	under	under	ADP
fsr-4094	281	21	$	$	SYM
fsr-4094	281	22	50,000	50,000	NUM
fsr-4094	281	23	$	$	SYM
fsr-4094	281	24	50,000	50,000	NUM
fsr-4094	281	25	$	$	SYM
fsr-4094	281	26	99,999	99,999	NUM
fsr-4094	281	27	0.0064	0.0064	NUM
fsr-4094	281	28	0.0106	0.0106	NUM
fsr-4094	281	29	0.0105	0.0105	NUM
fsr-4094	281	30	*	*	PROPN
fsr-4094	281	31	0.0058	0.0058	NUM
fsr-4094	281	32	0.0078	0.0078	NUM
fsr-4094	281	33	0.0054	0.0054	NUM
fsr-4094	281	34	$	$	SYM
fsr-4094	281	35	100,000	100,000	NUM
fsr-4094	281	36	$	$	SYM
fsr-4094	281	37	249,999	249,999	NUM
fsr-4094	281	38	0.0088	0.0088	NUM
fsr-4094	281	39	0.0103	0.0103	NUM
fsr-4094	281	40	0.0018	0.0018	NUM
fsr-4094	281	41	0.0052	0.0052	NUM
fsr-4094	281	42	0.0021	0.0021	NUM
fsr-4094	281	43	0.0054	0.0054	NUM
fsr-4094	281	44	$	$	SYM
fsr-4094	281	45	250,000	250,000	NUM
fsr-4094	281	46	$	$	SYM
fsr-4094	281	47	499,999	499,999	NUM
fsr-4094	281	48	-0.0167	-0.0167	ADJ
fsr-4094	281	49	0.0110	0.0110	NUM
fsr-4094	281	50	0.0045	0.0045	NUM
fsr-4094	281	51	0.0075	0.0075	NUM
fsr-4094	281	52	0.0013	0.0013	NUM
fsr-4094	281	53	0.0064	0.0064	NUM
fsr-4094	281	54	$	$	SYM
fsr-4094	281	55	500,000	500,000	NUM
fsr-4094	281	56	$	$	SYM
fsr-4094	281	57	999,999	999,999	NUM
fsr-4094	281	58	-0.0158	-0.0158	NOUN
fsr-4094	282	1	0.0112	0.0112	NUM
fsr-4094	282	2	0.0018	0.0018	NUM
fsr-4094	282	3	0.0070	0.0070	NUM
fsr-4094	282	4	0.0059	0.0059	NUM
fsr-4094	282	5	0.0110	0.0110	NUM
fsr-4094	282	6	$	$	SYM
fsr-4094	282	7	1,000,000	1,000,000	NUM
fsr-4094	282	8	or	or	CCONJ
fsr-4094	282	9	more	more	ADJ
fsr-4094	282	10	-0.0093	-0.0093	NOUN
fsr-4094	282	11	0.0131	0.0131	NUM
fsr-4094	282	12	0.0027	0.0027	NUM
fsr-4094	282	13	0.0063	0.0063	NUM
fsr-4094	282	14	-0.0014	-0.0014	NOUN
fsr-4094	282	15	0.0052	0.0052	NUM
fsr-4094	282	16	where	where	SCONJ
fsr-4094	282	17	do	do	AUX
fsr-4094	282	18	you	you	PRON
fsr-4094	282	19	think	think	VERB
fsr-4094	282	20	your	your	PRON
fsr-4094	282	21	credit	credit	NOUN
fsr-4094	282	22	score	score	NOUN
fsr-4094	282	23	falls	fall	VERB
fsr-4094	282	24	?	?	PUNCT
fsr-4094	283	1	very	very	ADV
fsr-4094	283	2	poor	poor	ADJ
fsr-4094	283	3	poor	poor	ADJ
fsr-4094	283	4	0.0272	0.0272	NUM
fsr-4094	283	5	0.0209	0.0209	NUM
fsr-4094	283	6	-0.0148	-0.0148	NOUN
fsr-4094	284	1	0.0105	0.0105	NUM
fsr-4094	284	2	-0.0214	-0.0214	X
fsr-4094	284	3	*	*	PUNCT
fsr-4094	284	4	*	*	PUNCT
fsr-4094	284	5	0.0098	0.0098	NUM
fsr-4094	284	6	fair	fair	ADJ
fsr-4094	284	7	0.0054	0.0054	NUM
fsr-4094	284	8	0.0169	0.0169	NUM
fsr-4094	284	9	-0.0094	-0.0094	NOUN
fsr-4094	284	10	0.0103	0.0103	NUM
fsr-4094	284	11	-0.0162	-0.0162	NOUN
fsr-4094	284	12	0.0099	0.0099	NUM
fsr-4094	284	13	good	good	ADJ
fsr-4094	284	14	0.0432	0.0432	NUM
fsr-4094	284	15	*	*	PUNCT
fsr-4094	284	16	*	*	PUNCT
fsr-4094	284	17	0.0174	0.0174	NUM
fsr-4094	284	18	-0.0118	-0.0118	NOUN
fsr-4094	284	19	0.0109	0.0109	NUM
fsr-4094	284	20	-0.0100	-0.0100	NOUN
fsr-4094	285	1	0.0105	0.0105	NUM
fsr-4094	285	2	excellent	excellent	ADJ
fsr-4094	285	3	0.0448	0.0448	X
fsr-4094	285	4	*	*	PUNCT
fsr-4094	285	5	*	*	X
fsr-4094	285	6	0.0176	0.0176	NUM
fsr-4094	285	7	-0.0161	-0.0161	VERB
fsr-4094	285	8	0.0109	0.0109	NUM
fsr-4094	285	9	-0.0189	-0.0189	PROPN
fsr-4094	285	10	*	*	PROPN
fsr-4094	285	11	0.0102	0.0102	NUM
fsr-4094	285	12	educational	educational	ADJ
fsr-4094	285	13	attainment	attainment	NOUN
fsr-4094	285	14	less	less	ADJ
fsr-4094	285	15	than	than	ADP
fsr-4094	285	16	high	high	ADJ
fsr-4094	285	17	school	school	NOUN
fsr-4094	285	18	high	high	ADJ
fsr-4094	285	19	school	school	NOUN
fsr-4094	285	20	diploma	diploma	NOUN
fsr-4094	285	21	-0.0181	-0.0181	VERB
fsr-4094	286	1	0.0211	0.0211	NUM
fsr-4094	286	2	0.0016	0.0016	NUM
fsr-4094	286	3	0.0059	0.0059	NUM
fsr-4094	286	4	0.0021	0.0021	NUM
fsr-4094	286	5	0.0055	0.0055	NUM
fsr-4094	286	6	some	some	DET
fsr-4094	286	7	college	college	NOUN
fsr-4094	286	8	0.0296	0.0296	NUM
fsr-4094	286	9	0.0211	0.0211	NUM
fsr-4094	286	10	0.0039	0.0039	NUM
fsr-4094	286	11	0.0055	0.0055	NUM
fsr-4094	286	12	0.0035	0.0035	NUM
fsr-4094	286	13	0.0053	0.0053	NUM
fsr-4094	286	14	bachelor	bachelor	NOUN
fsr-4094	286	15	's	's	PART
fsr-4094	286	16	degree	degree	NOUN
fsr-4094	286	17	0.0307	0.0307	NUM
fsr-4094	286	18	0.0215	0.0215	NUM
fsr-4094	286	19	0.0043	0.0043	NUM
fsr-4094	286	20	0.0055	0.0055	NUM
fsr-4094	286	21	0.0023	0.0023	NUM
fsr-4094	286	22	0.0057	0.0057	NUM
fsr-4094	286	23	report	report	NOUN
fsr-4094	286	24	at	at	ADP
fsr-4094	286	25	doing	do	VERB
fsr-4094	286	26	least	least	ADJ
fsr-4094	286	27	okay	okay	ADV
fsr-4094	286	28	financially	financially	ADV
fsr-4094	286	29	-0.0206	-0.0206	NOUN
fsr-4094	286	30	*	*	PUNCT
fsr-4094	286	31	*	*	PUNCT
fsr-4094	286	32	0.0087	0.0087	NUM
fsr-4094	286	33	0.0018	0.0018	NUM
fsr-4094	286	34	0.0037	0.0037	NUM
fsr-4094	286	35	-0.0032	-0.0032	NOUN
fsr-4094	286	36	0.0038	0.0038	NUM
fsr-4094	286	37	number	number	NOUN
fsr-4094	286	38	of	of	ADP
fsr-4094	286	39	financial	financial	ADJ
fsr-4094	286	40	literacy	literacy	NOUN
fsr-4094	286	41	questions	question	NOUN
fsr-4094	286	42	answered	answer	VERB
fsr-4094	286	43	correctly	correctly	ADV
fsr-4094	286	44	0	0	NUM
fsr-4094	286	45	(	(	PUNCT
fsr-4094	286	46	reference	reference	NOUN
fsr-4094	286	47	)	)	PUNCT
fsr-4094	286	48	1	1	NUM
fsr-4094	286	49	0.0014	0.0014	NUM
fsr-4094	286	50	0.0139	0.0139	NUM
fsr-4094	286	51	0.0035	0.0035	NUM
fsr-4094	286	52	0.0057	0.0057	NUM
fsr-4094	286	53	0.0024	0.0024	NUM
fsr-4094	286	54	0.0062	0.0062	NUM
fsr-4094	286	55	2	2	NUM
fsr-4094	286	56	0.0108	0.0108	NUM
fsr-4094	286	57	0.0132	0.0132	NUM
fsr-4094	286	58	-0.0012	-0.0012	NOUN
fsr-4094	286	59	0.0054	0.0054	NUM
fsr-4094	286	60	-0.0034	-0.0034	NOUN
fsr-4094	286	61	0.0056	0.0056	NUM
fsr-4094	286	62	3	3	NUM
fsr-4094	286	63	0.0458	0.0458	NUM
fsr-4094	286	64	*	*	PUNCT
fsr-4094	286	65	*	*	PUNCT
fsr-4094	286	66	*	*	PUNCT
fsr-4094	286	67	0.0133	0.0133	NUM
fsr-4094	286	68	-0.0006	-0.0006	NOUN
fsr-4094	286	69	0.0053	0.0053	NUM
fsr-4094	286	70	-0.0098	-0.0098	NOUN
fsr-4094	286	71	*	*	PUNCT
fsr-4094	287	1	0.0055	0.0055	NUM
fsr-4094	287	2	employed	employ	VERB
fsr-4094	287	3	0.0362	0.0362	NUM
fsr-4094	287	4	*	*	PUNCT
fsr-4094	287	5	*	*	PUNCT
fsr-4094	287	6	*	*	PUNCT
fsr-4094	287	7	0.0098	0.0098	NUM
fsr-4094	287	8	0.0081	0.0081	NUM
fsr-4094	287	9	*	*	PUNCT
fsr-4094	287	10	0.0001	0.0001	NUM
fsr-4094	287	11	0.0010	0.0010	NUM
fsr-4094	287	12	0.0036	0.0036	NUM
fsr-4094	287	13	curnutt	curnutt	PROPN
fsr-4094	287	14	and	and	CCONJ
fsr-4094	287	15	smith	smith	NOUN
fsr-4094	287	16	137	137	NUM
fsr-4094	287	17	age	age	NOUN
fsr-4094	287	18	-0.0023	-0.0023	NOUN
fsr-4094	287	19	*	*	PUNCT
fsr-4094	287	20	*	*	PUNCT
fsr-4094	287	21	*	*	PUNCT
fsr-4094	287	22	0.0003	0.0003	NUM
fsr-4094	287	23	0.001	0.001	NUM
fsr-4094	287	24	*	*	PUNCT
fsr-4094	287	25	*	*	PUNCT
fsr-4094	287	26	*	*	PUNCT
fsr-4094	287	27	0.0043	0.0043	NUM
fsr-4094	287	28	0.0000	0.0000	NUM
fsr-4094	287	29	0.0001	0.0001	NUM
fsr-4094	287	30	note	note	NOUN
fsr-4094	287	31	:	:	PUNCT
fsr-4094	287	32	9,326	9,326	NUM
fsr-4094	287	33	observations	observation	NOUN
fsr-4094	287	34	from	from	ADP
fsr-4094	287	35	the	the	DET
fsr-4094	287	36	2022	2022	NUM
fsr-4094	287	37	survey	survey	NOUN
fsr-4094	287	38	of	of	ADP
fsr-4094	287	39	household	household	NOUN
fsr-4094	287	40	decision	decision	NOUN
fsr-4094	287	41	making	making	NOUN
fsr-4094	287	42	.	.	PUNCT
fsr-4094	288	1	*	*	PUNCT
fsr-4094	288	2	*	*	PUNCT
fsr-4094	288	3	*	*	PUNCT
fsr-4094	288	4	denotes	denote	NOUN
fsr-4094	288	5	statistical	statistical	ADJ
fsr-4094	288	6	significance	significance	NOUN
fsr-4094	288	7	at	at	ADP
fsr-4094	288	8	the	the	DET
fsr-4094	288	9	1	1	NUM
fsr-4094	288	10	%	%	NOUN
fsr-4094	288	11	level	level	NOUN
fsr-4094	288	12	,	,	PUNCT
fsr-4094	288	13	*	*	PUNCT
fsr-4094	288	14	*	*	PUNCT
fsr-4094	288	15	denotes	denote	NOUN
fsr-4094	288	16	statistical	statistical	ADJ
fsr-4094	288	17	significance	significance	NOUN
fsr-4094	288	18	at	at	ADP
fsr-4094	288	19	the	the	DET
fsr-4094	288	20	5	5	NUM
fsr-4094	288	21	%	%	NOUN
fsr-4094	288	22	level	level	NOUN
fsr-4094	288	23	,	,	PUNCT
fsr-4094	288	24	*	*	PUNCT
fsr-4094	288	25	denotes	denote	NOUN
fsr-4094	288	26	statistical	statistical	ADJ
fsr-4094	288	27	significance	significance	NOUN
fsr-4094	288	28	at	at	ADP
fsr-4094	288	29	the	the	DET
fsr-4094	288	30	10	10	NUM
fsr-4094	288	31	%	%	NOUN
fsr-4094	288	32	level	level	NOUN
fsr-4094	288	33	.	.	PUNCT
fsr-4094	289	1	discussion	discussion	NOUN
fsr-4094	289	2	and	and	CCONJ
fsr-4094	289	3	implications	implication	NOUN
fsr-4094	289	4	of	of	ADP
fsr-4094	289	5	key	key	ADJ
fsr-4094	289	6	results	result	NOUN
fsr-4094	289	7	the	the	DET
fsr-4094	289	8	results	result	NOUN
fsr-4094	289	9	of	of	ADP
fsr-4094	289	10	this	this	DET
fsr-4094	289	11	analysis	analysis	NOUN
fsr-4094	289	12	indicate	indicate	VERB
fsr-4094	289	13	that	that	SCONJ
fsr-4094	289	14	cryptocurrencies	cryptocurrencie	NOUN
fsr-4094	289	15	play	play	VERB
fsr-4094	289	16	a	a	DET
fsr-4094	289	17	role	role	NOUN
fsr-4094	289	18	in	in	ADP
fsr-4094	289	19	servicing	service	VERB
fsr-4094	289	20	the	the	DET
fsr-4094	289	21	financial	financial	ADJ
fsr-4094	289	22	needs	need	NOUN
fsr-4094	289	23	of	of	ADP
fsr-4094	289	24	some	some	DET
fsr-4094	289	25	consumers	consumer	NOUN
fsr-4094	289	26	,	,	PUNCT
fsr-4094	289	27	particularly	particularly	ADV
fsr-4094	289	28	those	those	PRON
fsr-4094	289	29	who	who	PRON
fsr-4094	289	30	face	face	VERB
fsr-4094	289	31	barriers	barrier	NOUN
fsr-4094	289	32	to	to	ADP
fsr-4094	289	33	accessing	access	VERB
fsr-4094	289	34	traditional	traditional	ADJ
fsr-4094	289	35	banking	banking	NOUN
fsr-4094	289	36	services	service	NOUN
fsr-4094	289	37	.	.	PUNCT
fsr-4094	290	1	the	the	DET
fsr-4094	290	2	results	result	NOUN
fsr-4094	290	3	highlight	highlight	VERB
fsr-4094	290	4	how	how	SCONJ
fsr-4094	290	5	cryptocurrencies	cryptocurrencie	NOUN
fsr-4094	290	6	can	can	AUX
fsr-4094	290	7	function	function	VERB
fsr-4094	290	8	as	as	ADP
fsr-4094	290	9	alternative	alternative	ADJ
fsr-4094	290	10	financial	financial	ADJ
fsr-4094	290	11	services	service	NOUN
fsr-4094	290	12	,	,	PUNCT
fsr-4094	290	13	particularly	particularly	ADV
fsr-4094	290	14	for	for	ADP
fsr-4094	290	15	individuals	individual	NOUN
fsr-4094	290	16	relying	rely	VERB
fsr-4094	290	17	on	on	ADP
fsr-4094	290	18	non	non	ADJ
fsr-4094	290	19	-	-	ADJ
fsr-4094	290	20	traditional	traditional	ADJ
fsr-4094	290	21	banking	banking	NOUN
fsr-4094	290	22	methods	method	NOUN
fsr-4094	290	23	.	.	PUNCT
fsr-4094	291	1	this	this	DET
fsr-4094	291	2	demographic	demographic	ADJ
fsr-4094	291	3	often	often	ADV
fsr-4094	291	4	includes	include	VERB
fsr-4094	291	5	the	the	DET
fsr-4094	291	6	unbanked	unbanked	ADJ
fsr-4094	291	7	and	and	CCONJ
fsr-4094	291	8	underbanked	underbanked	ADJ
fsr-4094	291	9	.	.	PUNCT
fsr-4094	292	1	users	user	NOUN
fsr-4094	292	2	of	of	ADP
fsr-4094	292	3	more	more	ADV
fsr-4094	292	4	traditional	traditional	ADJ
fsr-4094	292	5	alternative	alternative	ADJ
fsr-4094	292	6	financial	financial	ADJ
fsr-4094	292	7	services	service	NOUN
fsr-4094	292	8	may	may	AUX
fsr-4094	292	9	also	also	ADV
fsr-4094	292	10	be	be	AUX
fsr-4094	292	11	enticed	entice	VERB
fsr-4094	292	12	to	to	PART
fsr-4094	292	13	use	use	VERB
fsr-4094	292	14	cryptocurrency	cryptocurrency	NOUN
fsr-4094	292	15	to	to	PART
fsr-4094	292	16	fulfill	fulfill	VERB
fsr-4094	292	17	a	a	DET
fsr-4094	292	18	need	need	NOUN
fsr-4094	292	19	that	that	PRON
fsr-4094	292	20	would	would	AUX
fsr-4094	292	21	otherwise	otherwise	ADV
fsr-4094	292	22	be	be	AUX
fsr-4094	292	23	fulfilled	fulfil	VERB
fsr-4094	292	24	by	by	ADP
fsr-4094	292	25	a	a	DET
fsr-4094	292	26	traditional	traditional	ADJ
fsr-4094	292	27	financial	financial	ADJ
fsr-4094	292	28	institution	institution	NOUN
fsr-4094	292	29	.	.	PUNCT
fsr-4094	293	1	cryptocurrencies	cryptocurrencie	NOUN
fsr-4094	293	2	have	have	AUX
fsr-4094	293	3	also	also	ADV
fsr-4094	293	4	increasingly	increasingly	ADV
fsr-4094	293	5	become	become	VERB
fsr-4094	293	6	popular	popular	ADJ
fsr-4094	293	7	as	as	ADP
fsr-4094	293	8	alternative	alternative	ADJ
fsr-4094	293	9	means	mean	NOUN
fsr-4094	293	10	for	for	ADP
fsr-4094	293	11	financial	financial	ADJ
fsr-4094	293	12	transactions	transaction	NOUN
fsr-4094	293	13	due	due	ADP
fsr-4094	293	14	to	to	ADP
fsr-4094	293	15	their	their	PRON
fsr-4094	293	16	decentralized	decentralized	ADJ
fsr-4094	293	17	nature	nature	NOUN
fsr-4094	293	18	,	,	PUNCT
fsr-4094	293	19	potential	potential	ADJ
fsr-4094	293	20	cost	cost	NOUN
fsr-4094	293	21	-	-	PUNCT
fsr-4094	293	22	effectiveness	effectiveness	NOUN
fsr-4094	293	23	,	,	PUNCT
fsr-4094	293	24	and	and	CCONJ
fsr-4094	293	25	faster	fast	ADJ
fsr-4094	293	26	transaction	transaction	NOUN
fsr-4094	293	27	times	time	NOUN
fsr-4094	293	28	compared	compare	VERB
fsr-4094	293	29	to	to	ADP
fsr-4094	293	30	traditional	traditional	ADJ
fsr-4094	293	31	financial	financial	ADJ
fsr-4094	293	32	systems	system	NOUN
fsr-4094	293	33	.	.	PUNCT
fsr-4094	294	1	cryptocurrencies	cryptocurrencie	NOUN
fsr-4094	294	2	show	show	VERB
fsr-4094	294	3	significant	significant	ADJ
fsr-4094	294	4	potential	potential	NOUN
fsr-4094	294	5	as	as	ADP
fsr-4094	294	6	a	a	DET
fsr-4094	294	7	cost	cost	NOUN
fsr-4094	294	8	-	-	PUNCT
fsr-4094	294	9	effective	effective	ADJ
fsr-4094	294	10	remittance	remittance	NOUN
fsr-4094	294	11	solution	solution	NOUN
fsr-4094	294	12	.	.	PUNCT
fsr-4094	295	1	baur	baur	NOUN
fsr-4094	295	2	and	and	CCONJ
fsr-4094	295	3	dimpfl	dimpfl	PROPN
fsr-4094	295	4	(	(	PUNCT
fsr-4094	295	5	2021	2021	NUM
fsr-4094	295	6	)	)	PUNCT
fsr-4094	295	7	identify	identify	VERB
fsr-4094	295	8	lower	low	ADJ
fsr-4094	295	9	transaction	transaction	NOUN
fsr-4094	295	10	fees	fee	NOUN
fsr-4094	295	11	and	and	CCONJ
fsr-4094	295	12	improved	improve	VERB
fsr-4094	295	13	speed	speed	NOUN
fsr-4094	295	14	as	as	ADP
fsr-4094	295	15	key	key	ADJ
fsr-4094	295	16	incentives	incentive	NOUN
fsr-4094	295	17	driving	drive	VERB
fsr-4094	295	18	individuals	individual	NOUN
fsr-4094	295	19	and	and	CCONJ
fsr-4094	295	20	businesses	business	NOUN
fsr-4094	295	21	towards	towards	ADP
fsr-4094	295	22	adopting	adopt	VERB
fsr-4094	295	23	cryptocurrencies	cryptocurrencie	NOUN
fsr-4094	295	24	for	for	ADP
fsr-4094	295	25	payments	payment	NOUN
fsr-4094	295	26	.	.	PUNCT
fsr-4094	296	1	while	while	SCONJ
fsr-4094	296	2	yermack	yermack	NOUN
fsr-4094	296	3	(	(	PUNCT
fsr-4094	296	4	2015	2015	NUM
fsr-4094	296	5	)	)	PUNCT
fsr-4094	296	6	highlights	highlight	NOUN
fsr-4094	296	7	cryptocurrencies	cryptocurrencie	NOUN
fsr-4094	296	8	'	'	PART
fsr-4094	296	9	potential	potential	NOUN
fsr-4094	296	10	in	in	ADP
fsr-4094	296	11	improving	improve	VERB
fsr-4094	296	12	payment	payment	NOUN
fsr-4094	296	13	efficiency	efficiency	NOUN
fsr-4094	296	14	and	and	CCONJ
fsr-4094	296	15	transparency	transparency	NOUN
fsr-4094	296	16	,	,	PUNCT
fsr-4094	296	17	especially	especially	ADV
fsr-4094	296	18	across	across	ADP
fsr-4094	296	19	international	international	ADJ
fsr-4094	296	20	borders	border	NOUN
fsr-4094	296	21	.	.	PUNCT
fsr-4094	297	1	this	this	DET
fsr-4094	297	2	study	study	NOUN
fsr-4094	297	3	indicates	indicate	VERB
fsr-4094	297	4	that	that	SCONJ
fsr-4094	297	5	minority	minority	NOUN
fsr-4094	297	6	groups	group	NOUN
fsr-4094	297	7	,	,	PUNCT
fsr-4094	297	8	particularly	particularly	ADV
fsr-4094	297	9	black	black	ADJ
fsr-4094	297	10	and	and	CCONJ
fsr-4094	297	11	hispanic	hispanic	ADJ
fsr-4094	297	12	individuals	individual	NOUN
fsr-4094	297	13	,	,	PUNCT
fsr-4094	297	14	are	be	AUX
fsr-4094	297	15	more	more	ADV
fsr-4094	297	16	likely	likely	ADJ
fsr-4094	297	17	to	to	PART
fsr-4094	297	18	use	use	VERB
fsr-4094	297	19	cryptocurrencies	cryptocurrencie	NOUN
fsr-4094	297	20	for	for	ADP
fsr-4094	297	21	sending	send	VERB
fsr-4094	297	22	money	money	NOUN
fsr-4094	297	23	or	or	CCONJ
fsr-4094	297	24	making	make	VERB
fsr-4094	297	25	payments	payment	NOUN
fsr-4094	297	26	,	,	PUNCT
fsr-4094	297	27	when	when	SCONJ
fsr-4094	297	28	compared	compare	VERB
fsr-4094	297	29	to	to	ADP
fsr-4094	297	30	non	non	ADJ
fsr-4094	297	31	-	-	ADJ
fsr-4094	297	32	hispanic	hispanic	ADJ
fsr-4094	297	33	whites	white	NOUN
fsr-4094	297	34	.	.	PUNCT
fsr-4094	298	1	this	this	DET
fsr-4094	298	2	finding	finding	NOUN
fsr-4094	298	3	is	be	AUX
fsr-4094	298	4	consistent	consistent	ADJ
fsr-4094	298	5	in	in	ADP
fsr-4094	298	6	some	some	DET
fsr-4094	298	7	regards	regard	NOUN
fsr-4094	298	8	with	with	ADP
fsr-4094	298	9	the	the	DET
fsr-4094	298	10	findings	finding	NOUN
fsr-4094	298	11	of	of	ADP
fsr-4094	298	12	chatterjee	chatterjee	PROPN
fsr-4094	298	13	and	and	CCONJ
fsr-4094	298	14	yang	yang	PROPN
fsr-4094	298	15	(	(	PUNCT
fsr-4094	298	16	2025	2025	NUM
fsr-4094	298	17	)	)	PUNCT
fsr-4094	298	18	who	who	PRON
fsr-4094	298	19	find	find	VERB
fsr-4094	298	20	that	that	SCONJ
fsr-4094	298	21	ethnic	ethnic	ADJ
fsr-4094	298	22	minorities	minority	NOUN
fsr-4094	298	23	are	be	AUX
fsr-4094	298	24	more	more	ADV
fsr-4094	298	25	inclined	inclined	ADJ
fsr-4094	298	26	to	to	PART
fsr-4094	298	27	utilize	utilize	VERB
fsr-4094	298	28	afs	afs	NOUN
fsr-4094	298	29	.	.	PUNCT
fsr-4094	299	1	traditional	traditional	ADJ
fsr-4094	299	2	remittance	remittance	NOUN
fsr-4094	299	3	services	service	NOUN
fsr-4094	299	4	can	can	AUX
fsr-4094	299	5	be	be	AUX
fsr-4094	299	6	prohibitively	prohibitively	ADV
fsr-4094	299	7	expensive	expensive	ADJ
fsr-4094	299	8	and	and	CCONJ
fsr-4094	299	9	slow	slow	ADJ
fsr-4094	299	10	,	,	PUNCT
fsr-4094	299	11	whereas	whereas	SCONJ
fsr-4094	299	12	cryptocurrencies	cryptocurrencie	NOUN
fsr-4094	299	13	can	can	AUX
fsr-4094	299	14	offer	offer	VERB
fsr-4094	299	15	faster	fast	ADJ
fsr-4094	299	16	and	and	CCONJ
fsr-4094	299	17	cheaper	cheap	ADJ
fsr-4094	299	18	options	option	NOUN
fsr-4094	299	19	.	.	PUNCT
fsr-4094	300	1	the	the	DET
fsr-4094	300	2	use	use	NOUN
fsr-4094	300	3	of	of	ADP
fsr-4094	300	4	cryptocurrencies	cryptocurrencie	NOUN
fsr-4094	300	5	for	for	ADP
fsr-4094	300	6	remittances	remittance	NOUN
fsr-4094	300	7	can	can	AUX
fsr-4094	300	8	reduce	reduce	VERB
fsr-4094	300	9	costs	cost	NOUN
fsr-4094	300	10	for	for	ADP
fsr-4094	300	11	those	those	PRON
fsr-4094	300	12	sending	send	VERB
fsr-4094	300	13	money	money	NOUN
fsr-4094	300	14	across	across	ADP
fsr-4094	300	15	borders	border	NOUN
fsr-4094	300	16	,	,	PUNCT
fsr-4094	300	17	thereby	thereby	ADV
fsr-4094	300	18	supporting	support	VERB
fsr-4094	300	19	the	the	DET
fsr-4094	300	20	financial	financial	ADJ
fsr-4094	300	21	wellbeing	wellbeing	NOUN
fsr-4094	300	22	of	of	ADP
fsr-4094	300	23	these	these	DET
fsr-4094	300	24	communities	community	NOUN
fsr-4094	300	25	.	.	PUNCT
fsr-4094	301	1	however	however	ADV
fsr-4094	301	2	,	,	PUNCT
fsr-4094	301	3	unlike	unlike	ADP
fsr-4094	301	4	chatterjee	chatterjee	NOUN
fsr-4094	301	5	and	and	CCONJ
fsr-4094	301	6	yang	yang	PROPN
fsr-4094	301	7	(	(	PUNCT
fsr-4094	301	8	2025	2025	NUM
fsr-4094	301	9	)	)	PUNCT
fsr-4094	301	10	,	,	PUNCT
fsr-4094	301	11	who	who	PRON
fsr-4094	301	12	find	find	VERB
fsr-4094	301	13	the	the	DET
fsr-4094	301	14	likelihood	likelihood	NOUN
fsr-4094	301	15	of	of	ADP
fsr-4094	301	16	the	the	DET
fsr-4094	301	17	use	use	NOUN
fsr-4094	301	18	of	of	ADP
fsr-4094	301	19	afs	afs	NOUN
fsr-4094	301	20	is	be	AUX
fsr-4094	301	21	associated	associate	VERB
fsr-4094	301	22	with	with	ADP
fsr-4094	301	23	lower	low	ADJ
fsr-4094	301	24	objective	objective	ADJ
fsr-4094	301	25	financial	financial	ADJ
fsr-4094	301	26	literacy	literacy	NOUN
fsr-4094	301	27	,	,	PUNCT
fsr-4094	301	28	we	we	PRON
fsr-4094	301	29	find	find	VERB
fsr-4094	301	30	that	that	SCONJ
fsr-4094	301	31	holding	hold	VERB
fsr-4094	301	32	crypto	crypto	NOUN
fsr-4094	301	33	as	as	SCONJ
fsr-4094	301	34	an	an	DET
fsr-4094	301	35	investment	investment	NOUN
fsr-4094	301	36	is	be	AUX
fsr-4094	301	37	associated	associate	VERB
fsr-4094	301	38	positively	positively	ADV
fsr-4094	301	39	with	with	ADP
fsr-4094	301	40	answering	answer	VERB
fsr-4094	301	41	all	all	DET
fsr-4094	301	42	three	three	NUM
fsr-4094	301	43	financial	financial	ADJ
fsr-4094	301	44	literacy	literacy	NOUN
fsr-4094	301	45	questions	question	NOUN
fsr-4094	301	46	correctly	correctly	ADV
fsr-4094	301	47	.	.	PUNCT
fsr-4094	302	1	zhang	zhang	PROPN
fsr-4094	302	2	et	et	PROPN
fsr-4094	302	3	al	al	PROPN
fsr-4094	302	4	.	.	PROPN
fsr-4094	302	5	(	(	PUNCT
fsr-4094	302	6	2025	2025	NUM
fsr-4094	302	7	)	)	PUNCT
fsr-4094	302	8	find	find	VERB
fsr-4094	302	9	that	that	SCONJ
fsr-4094	302	10	other	other	ADJ
fsr-4094	302	11	psychological	psychological	ADJ
fsr-4094	302	12	factors	factor	NOUN
fsr-4094	302	13	may	may	AUX
fsr-4094	302	14	also	also	ADV
fsr-4094	302	15	contribute	contribute	VERB
fsr-4094	302	16	to	to	AUX
fsr-4094	302	17	crypto	crypto	VERB
fsr-4094	302	18	ownership	ownership	NOUN
fsr-4094	302	19	as	as	ADP
fsr-4094	302	20	an	an	DET
fsr-4094	302	21	investment	investment	NOUN
fsr-4094	302	22	.	.	PUNCT
fsr-4094	303	1	each	each	PRON
fsr-4094	303	2	of	of	ADP
fsr-4094	303	3	the	the	DET
fsr-4094	303	4	three	three	NUM
fsr-4094	303	5	models	model	NOUN
fsr-4094	303	6	appears	appear	VERB
fsr-4094	303	7	to	to	PART
fsr-4094	303	8	be	be	AUX
fsr-4094	303	9	influenced	influence	VERB
fsr-4094	303	10	in	in	ADP
fsr-4094	303	11	varying	vary	VERB
fsr-4094	303	12	ways	way	NOUN
fsr-4094	303	13	by	by	ADP
fsr-4094	303	14	individuals	individual	NOUN
fsr-4094	303	15	’	'	PUNCT
fsr-4094	303	16	willingness	willingness	NOUN
fsr-4094	303	17	to	to	PART
fsr-4094	303	18	accept	accept	VERB
fsr-4094	303	19	financial	financial	ADJ
fsr-4094	303	20	risk	risk	NOUN
fsr-4094	303	21	.	.	PUNCT
fsr-4094	304	1	those	those	PRON
fsr-4094	304	2	with	with	ADP
fsr-4094	304	3	higher	high	ADJ
fsr-4094	304	4	risk	risk	NOUN
fsr-4094	304	5	tolerance	tolerance	NOUN
fsr-4094	304	6	are	be	AUX
fsr-4094	304	7	more	more	ADV
fsr-4094	304	8	inclined	inclined	ADJ
fsr-4094	304	9	to	to	PART
fsr-4094	304	10	own	own	VERB
fsr-4094	304	11	crypto	crypto	NOUN
fsr-4094	304	12	as	as	ADP
fsr-4094	304	13	an	an	DET
fsr-4094	304	14	investment	investment	NOUN
fsr-4094	304	15	,	,	PUNCT
fsr-4094	304	16	consistent	consistent	ADJ
fsr-4094	304	17	with	with	ADP
fsr-4094	304	18	the	the	DET
fsr-4094	304	19	volatile	volatile	ADJ
fsr-4094	304	20	nature	nature	NOUN
fsr-4094	304	21	of	of	ADP
fsr-4094	304	22	the	the	DET
fsr-4094	304	23	asset	asset	NOUN
fsr-4094	304	24	class	class	NOUN
fsr-4094	304	25	and	and	CCONJ
fsr-4094	304	26	the	the	DET
fsr-4094	304	27	high	high	ADJ
fsr-4094	304	28	uncertainty	uncertainty	NOUN
fsr-4094	304	29	associated	associate	VERB
fsr-4094	304	30	with	with	ADP
fsr-4094	304	31	potential	potential	ADJ
fsr-4094	304	32	returns	return	NOUN
fsr-4094	304	33	.	.	PUNCT
fsr-4094	305	1	this	this	DET
fsr-4094	305	2	group	group	NOUN
fsr-4094	305	3	may	may	AUX
fsr-4094	305	4	be	be	AUX
fsr-4094	305	5	motivated	motivate	VERB
fsr-4094	305	6	by	by	ADP
fsr-4094	305	7	speculative	speculative	ADJ
fsr-4094	305	8	opportunities	opportunity	NOUN
fsr-4094	305	9	or	or	CCONJ
fsr-4094	305	10	by	by	ADP
fsr-4094	305	11	a	a	DET
fsr-4094	305	12	belief	belief	NOUN
fsr-4094	305	13	in	in	ADP
fsr-4094	305	14	the	the	DET
fsr-4094	305	15	long	long	ADJ
fsr-4094	305	16	-	-	PUNCT
fsr-4094	305	17	term	term	NOUN
fsr-4094	305	18	value	value	NOUN
fsr-4094	305	19	of	of	ADP
fsr-4094	305	20	digital	digital	ADJ
fsr-4094	305	21	assets	asset	NOUN
fsr-4094	305	22	.	.	PUNCT
fsr-4094	306	1	their	their	PRON
fsr-4094	306	2	risk	risk	NOUN
fsr-4094	306	3	profile	profile	NOUN
fsr-4094	306	4	aligns	align	VERB
fsr-4094	306	5	with	with	ADP
fsr-4094	306	6	the	the	DET
fsr-4094	306	7	behaviors	behavior	NOUN
fsr-4094	306	8	of	of	ADP
fsr-4094	306	9	individuals	individual	NOUN
fsr-4094	306	10	seeking	seek	VERB
fsr-4094	306	11	high	high	ADJ
fsr-4094	306	12	-	-	PUNCT
fsr-4094	306	13	reward	reward	NOUN
fsr-4094	306	14	ventures	venture	NOUN
fsr-4094	306	15	,	,	PUNCT
fsr-4094	306	16	often	often	ADV
fsr-4094	306	17	without	without	ADP
fsr-4094	306	18	the	the	DET
fsr-4094	306	19	safety	safety	NOUN
fsr-4094	306	20	nets	net	NOUN
fsr-4094	306	21	offered	offer	VERB
fsr-4094	306	22	by	by	ADP
fsr-4094	306	23	traditional	traditional	ADJ
fsr-4094	306	24	investment	investment	NOUN
fsr-4094	306	25	vehicles	vehicle	NOUN
fsr-4094	306	26	.	.	PUNCT
fsr-4094	307	1	three	three	NUM
fsr-4094	307	2	dimensions	dimension	NOUN
fsr-4094	307	3	may	may	AUX
fsr-4094	307	4	influence	influence	VERB
fsr-4094	307	5	the	the	DET
fsr-4094	307	6	relationship	relationship	NOUN
fsr-4094	307	7	between	between	ADP
fsr-4094	307	8	risk	risk	NOUN
fsr-4094	307	9	-	-	PUNCT
fsr-4094	307	10	taking	take	VERB
fsr-4094	307	11	preference	preference	NOUN
fsr-4094	307	12	and	and	CCONJ
fsr-4094	307	13	investing	invest	VERB
fsr-4094	307	14	in	in	ADP
fsr-4094	307	15	a	a	DET
fsr-4094	307	16	highly	highly	ADV
fsr-4094	307	17	risky	risky	ADJ
fsr-4094	307	18	asset	asset	NOUN
fsr-4094	307	19	class	class	NOUN
fsr-4094	307	20	.	.	PUNCT
fsr-4094	308	1	first	first	ADV
fsr-4094	308	2	is	be	AUX
fsr-4094	308	3	financial	financial	ADJ
fsr-4094	308	4	literacy	literacy	NOUN
fsr-4094	308	5	in	in	ADP
fsr-4094	308	6	the	the	DET
fsr-4094	308	7	domain	domain	NOUN
fsr-4094	308	8	of	of	ADP
fsr-4094	308	9	cryptocurrency	cryptocurrency	NOUN
fsr-4094	308	10	investing	investing	NOUN
fsr-4094	308	11	.	.	PUNCT
fsr-4094	309	1	a	a	DET
fsr-4094	309	2	highly	highly	ADV
fsr-4094	309	3	cryptocurrency	cryptocurrency	NOUN
fsr-4094	309	4	-	-	PUNCT
fsr-4094	309	5	literate	literate	ADJ
fsr-4094	309	6	person	person	NOUN
fsr-4094	309	7	would	would	AUX
fsr-4094	309	8	need	need	VERB
fsr-4094	309	9	knowledge	knowledge	NOUN
fsr-4094	309	10	of	of	ADP
fsr-4094	309	11	the	the	DET
fsr-4094	309	12	many	many	ADJ
fsr-4094	309	13	fundamental	fundamental	ADJ
fsr-4094	309	14	aspects	aspect	NOUN
fsr-4094	309	15	of	of	ADP
fsr-4094	309	16	the	the	DET
fsr-4094	309	17	currency	currency	NOUN
fsr-4094	309	18	of	of	ADP
fsr-4094	309	19	interest	interest	NOUN
fsr-4094	309	20	:	:	PUNCT
fsr-4094	309	21	the	the	DET
fsr-4094	309	22	potential	potential	ADJ
fsr-4094	309	23	volatility	volatility	NOUN
fsr-4094	309	24	,	,	PUNCT
fsr-4094	309	25	the	the	DET
fsr-4094	309	26	markets	market	NOUN
fsr-4094	309	27	,	,	PUNCT
fsr-4094	309	28	liquidity	liquidity	NOUN
fsr-4094	309	29	,	,	PUNCT
fsr-4094	309	30	etc	etc	X
fsr-4094	309	31	.	.	X
fsr-4094	309	32	absent	absent	ADJ
fsr-4094	309	33	adequate	adequate	ADJ
fsr-4094	309	34	information	information	NOUN
fsr-4094	309	35	and	and	CCONJ
fsr-4094	309	36	the	the	DET
fsr-4094	309	37	ability	ability	NOUN
fsr-4094	309	38	to	to	PART
fsr-4094	309	39	use	use	VERB
fsr-4094	309	40	it	it	PRON
fsr-4094	309	41	,	,	PUNCT
fsr-4094	309	42	this	this	DET
fsr-4094	309	43	investor	investor	NOUN
fsr-4094	309	44	likely	likely	ADV
fsr-4094	309	45	exhibits	exhibit	VERB
fsr-4094	309	46	an	an	DET
fsr-4094	309	47	overconfidence	overconfidence	NOUN
fsr-4094	309	48	bias	bias	NOUN
fsr-4094	309	49	.	.	PUNCT
fsr-4094	310	1	they	they	PRON
fsr-4094	310	2	are	be	AUX
fsr-4094	310	3	investing	invest	VERB
fsr-4094	310	4	while	while	SCONJ
fsr-4094	310	5	overestimating	overestimate	VERB
fsr-4094	310	6	their	their	PRON
fsr-4094	310	7	knowledge	knowledge	NOUN
fsr-4094	310	8	and	and	CCONJ
fsr-4094	310	9	abilities	ability	NOUN
fsr-4094	310	10	.	.	PUNCT
fsr-4094	311	1	this	this	DET
fsr-4094	311	2	situation	situation	NOUN
fsr-4094	311	3	begs	beg	VERB
fsr-4094	311	4	the	the	DET
fsr-4094	311	5	question	question	NOUN
fsr-4094	311	6	,	,	PUNCT
fsr-4094	311	7	does	do	AUX
fsr-4094	311	8	anyone	anyone	PRON
fsr-4094	311	9	have	have	VERB
fsr-4094	311	10	adequate	adequate	ADJ
fsr-4094	311	11	information	information	NOUN
fsr-4094	311	12	and	and	CCONJ
fsr-4094	311	13	ability	ability	NOUN
fsr-4094	311	14	as	as	ADP
fsr-4094	311	15	a	a	DET
fsr-4094	311	16	cryptocurrency	cryptocurrency	NOUN
fsr-4094	311	17	investor	investor	NOUN
fsr-4094	311	18	?	?	PUNCT
fsr-4094	312	1	if	if	SCONJ
fsr-4094	312	2	a	a	DET
fsr-4094	312	3	practitioner	practitioner	NOUN
fsr-4094	312	4	has	have	VERB
fsr-4094	312	5	clients	client	NOUN
fsr-4094	312	6	investing	invest	VERB
fsr-4094	312	7	in	in	ADP
fsr-4094	312	8	cryptocurrency	cryptocurrency	NOUN
fsr-4094	312	9	,	,	PUNCT
fsr-4094	312	10	it	it	PRON
fsr-4094	312	11	might	might	AUX
fsr-4094	312	12	be	be	AUX
fsr-4094	312	13	prudent	prudent	ADJ
fsr-4094	312	14	to	to	PART
fsr-4094	312	15	ask	ask	VERB
fsr-4094	312	16	;	;	PUNCT
fsr-4094	312	17	a	a	DET
fsr-4094	312	18	discussion	discussion	NOUN
fsr-4094	312	19	of	of	ADP
fsr-4094	312	20	the	the	DET
fsr-4094	312	21	investment	investment	NOUN
fsr-4094	312	22	and	and	CCONJ
fsr-4094	312	23	its	its	PRON
fsr-4094	312	24	market	market	NOUN
fsr-4094	312	25	risks	risk	NOUN
fsr-4094	312	26	is	be	AUX
fsr-4094	312	27	in	in	ADP
fsr-4094	312	28	order	order	NOUN
fsr-4094	312	29	.	.	PUNCT
fsr-4094	313	1	however	however	ADV
fsr-4094	313	2	,	,	PUNCT
fsr-4094	313	3	it	it	PRON
fsr-4094	313	4	may	may	AUX
fsr-4094	313	5	be	be	AUX
fsr-4094	313	6	that	that	SCONJ
fsr-4094	313	7	the	the	DET
fsr-4094	313	8	advisor	advisor	NOUN
fsr-4094	313	9	’s	’s	PART
fsr-4094	313	10	compliance	compliance	NOUN
fsr-4094	313	11	requirements	requirement	NOUN
fsr-4094	313	12	do	do	AUX
fsr-4094	313	13	not	not	PART
fsr-4094	313	14	allow	allow	VERB
fsr-4094	313	15	that	that	SCONJ
fsr-4094	313	16	financial	financial	ADJ
fsr-4094	313	17	services	service	NOUN
fsr-4094	313	18	review	review	VERB
fsr-4094	313	19	,	,	PUNCT
fsr-4094	313	20	33(2	33(2	NUM
fsr-4094	313	21	)	)	PUNCT
fsr-4094	313	22	138	138	NUM
fsr-4094	313	23	discussion	discussion	NOUN
fsr-4094	313	24	.	.	PUNCT
fsr-4094	314	1	or	or	CCONJ
fsr-4094	314	2	,	,	PUNCT
fsr-4094	314	3	the	the	DET
fsr-4094	314	4	advisor	advisor	NOUN
fsr-4094	314	5	is	be	AUX
fsr-4094	314	6	not	not	PART
fsr-4094	314	7	competent	competent	ADJ
fsr-4094	314	8	to	to	PART
fsr-4094	314	9	counsel	counsel	VERB
fsr-4094	314	10	in	in	ADP
fsr-4094	314	11	this	this	DET
fsr-4094	314	12	area	area	NOUN
fsr-4094	314	13	due	due	ADP
fsr-4094	314	14	to	to	ADP
fsr-4094	314	15	their	their	PRON
fsr-4094	314	16	lack	lack	NOUN
fsr-4094	314	17	of	of	ADP
fsr-4094	314	18	knowledge	knowledge	NOUN
fsr-4094	314	19	or	or	CCONJ
fsr-4094	314	20	ability	ability	NOUN
fsr-4094	314	21	as	as	ADP
fsr-4094	314	22	a	a	DET
fsr-4094	314	23	cryptocurrency	cryptocurrency	NOUN
fsr-4094	314	24	investor	investor	NOUN
fsr-4094	314	25	.	.	PUNCT
fsr-4094	315	1	overconfidence	overconfidence	NOUN
fsr-4094	315	2	leads	lead	VERB
fsr-4094	315	3	to	to	ADP
fsr-4094	315	4	adverse	adverse	ADJ
fsr-4094	315	5	outcomes	outcome	NOUN
fsr-4094	315	6	in	in	ADP
fsr-4094	315	7	athletics	athletic	NOUN
fsr-4094	315	8	,	,	PUNCT
fsr-4094	315	9	politics	politic	NOUN
fsr-4094	315	10	,	,	PUNCT
fsr-4094	315	11	investing	investing	NOUN
fsr-4094	315	12	,	,	PUNCT
fsr-4094	315	13	and	and	CCONJ
fsr-4094	315	14	most	most	ADJ
fsr-4094	315	15	human	human	ADJ
fsr-4094	315	16	activities	activity	NOUN
fsr-4094	315	17	.	.	PUNCT
fsr-4094	316	1	second	second	ADJ
fsr-4094	316	2	,	,	PUNCT
fsr-4094	316	3	investors	investor	NOUN
fsr-4094	316	4	are	be	AUX
fsr-4094	316	5	susceptible	susceptible	ADJ
fsr-4094	316	6	to	to	ADP
fsr-4094	316	7	additional	additional	ADJ
fsr-4094	316	8	biases	bias	NOUN
fsr-4094	316	9	that	that	PRON
fsr-4094	316	10	affect	affect	VERB
fsr-4094	316	11	decisionmaking	decisionmake	VERB
fsr-4094	316	12	.	.	PUNCT
fsr-4094	317	1	anchoring	anchoring	NOUN
fsr-4094	317	2	bias	bias	NOUN
fsr-4094	317	3	occurs	occur	VERB
fsr-4094	317	4	in	in	ADP
fsr-4094	317	5	many	many	ADJ
fsr-4094	317	6	human	human	ADJ
fsr-4094	317	7	activities	activity	NOUN
fsr-4094	317	8	where	where	SCONJ
fsr-4094	317	9	attention	attention	NOUN
fsr-4094	317	10	is	be	AUX
fsr-4094	317	11	focused	focus	VERB
fsr-4094	317	12	on	on	ADP
fsr-4094	317	13	an	an	DET
fsr-4094	317	14	initial	initial	ADJ
fsr-4094	317	15	figure	figure	NOUN
fsr-4094	317	16	.	.	PUNCT
fsr-4094	318	1	an	an	DET
fsr-4094	318	2	investor	investor	NOUN
fsr-4094	318	3	in	in	ADP
fsr-4094	318	4	bitcoin	bitcoin	PROPN
fsr-4094	318	5	(	(	PUNCT
fsr-4094	318	6	btc	btc	PROPN
fsr-4094	318	7	)	)	PUNCT
fsr-4094	318	8	,	,	PUNCT
fsr-4094	318	9	for	for	ADP
fsr-4094	318	10	example	example	NOUN
fsr-4094	318	11	,	,	PUNCT
fsr-4094	318	12	may	may	AUX
fsr-4094	318	13	have	have	AUX
fsr-4094	318	14	entered	enter	VERB
fsr-4094	318	15	the	the	DET
fsr-4094	318	16	market	market	NOUN
fsr-4094	318	17	on	on	ADP
fsr-4094	318	18	9/10/23	9/10/23	NUM
fsr-4094	318	19	at	at	ADP
fsr-4094	318	20	$	$	SYM
fsr-4094	318	21	24,131	24,131	NUM
fsr-4094	318	22	,	,	PUNCT
fsr-4094	318	23	considering	consider	VERB
fsr-4094	318	24	this	this	DET
fsr-4094	318	25	a	a	DET
fsr-4094	318	26	fair	fair	ADJ
fsr-4094	318	27	price	price	NOUN
fsr-4094	318	28	.	.	PUNCT
fsr-4094	319	1	another	another	DET
fsr-4094	319	2	investor	investor	NOUN
fsr-4094	319	3	may	may	AUX
fsr-4094	319	4	have	have	AUX
fsr-4094	319	5	entered	enter	VERB
fsr-4094	319	6	on	on	ADP
fsr-4094	319	7	3/24/24	3/24/24	NUM
fsr-4094	319	8	at	at	ADP
fsr-4094	319	9	$	$	SYM
fsr-4094	319	10	69,146	69,146	NUM
fsr-4094	319	11	and	and	CCONJ
fsr-4094	319	12	considered	consider	VERB
fsr-4094	319	13	that	that	SCONJ
fsr-4094	319	14	a	a	DET
fsr-4094	319	15	fair	fair	ADJ
fsr-4094	319	16	price	price	NOUN
fsr-4094	319	17	.	.	PUNCT
fsr-4094	320	1	if	if	SCONJ
fsr-4094	320	2	they	they	PRON
fsr-4094	320	3	exhibit	exhibit	VERB
fsr-4094	320	4	anchoring	anchoring	NOUN
fsr-4094	320	5	bias	bias	NOUN
fsr-4094	320	6	,	,	PUNCT
fsr-4094	320	7	the	the	DET
fsr-4094	320	8	two	two	NUM
fsr-4094	320	9	investors	investor	NOUN
fsr-4094	320	10	will	will	AUX
fsr-4094	320	11	likely	likely	ADV
fsr-4094	320	12	make	make	VERB
fsr-4094	320	13	very	very	ADV
fsr-4094	320	14	different	different	ADJ
fsr-4094	320	15	decisions	decision	NOUN
fsr-4094	320	16	about	about	ADP
fsr-4094	320	17	the	the	DET
fsr-4094	320	18	price	price	NOUN
fsr-4094	320	19	of	of	ADP
fsr-4094	320	20	btc	btc	NOUN
fsr-4094	320	21	if	if	SCONJ
fsr-4094	320	22	today	today	NOUN
fsr-4094	320	23	it	it	PRON
fsr-4094	320	24	was	be	AUX
fsr-4094	320	25	at	at	ADP
fsr-4094	320	26	$	$	SYM
fsr-4094	320	27	49,000	49,000	NUM
fsr-4094	320	28	,	,	PUNCT
fsr-4094	320	29	with	with	ADP
fsr-4094	320	30	both	both	DET
fsr-4094	320	31	decisions	decision	NOUN
fsr-4094	320	32	not	not	PART
fsr-4094	320	33	based	base	VERB
fsr-4094	320	34	on	on	ADP
fsr-4094	320	35	the	the	DET
fsr-4094	320	36	reality	reality	NOUN
fsr-4094	320	37	of	of	ADP
fsr-4094	320	38	the	the	DET
fsr-4094	320	39	market	market	NOUN
fsr-4094	320	40	for	for	ADP
fsr-4094	320	41	btc	btc	NOUN
fsr-4094	320	42	but	but	CCONJ
fsr-4094	320	43	based	base	VERB
fsr-4094	320	44	on	on	ADP
fsr-4094	320	45	their	their	PRON
fsr-4094	320	46	belief	belief	NOUN
fsr-4094	320	47	in	in	ADP
fsr-4094	320	48	a	a	DET
fsr-4094	320	49	fair	fair	ADJ
fsr-4094	320	50	price	price	NOUN
fsr-4094	320	51	.	.	PUNCT
fsr-4094	321	1	this	this	DET
fsr-4094	321	2	anchoring	anchoring	NOUN
fsr-4094	321	3	bias	bias	NOUN
fsr-4094	321	4	has	have	VERB
fsr-4094	321	5	a	a	DET
fsr-4094	321	6	role	role	NOUN
fsr-4094	321	7	in	in	ADP
fsr-4094	321	8	another	another	DET
fsr-4094	321	9	bias	bias	NOUN
fsr-4094	321	10	,	,	PUNCT
fsr-4094	321	11	the	the	DET
fsr-4094	321	12	disposition	disposition	NOUN
fsr-4094	321	13	effect	effect	NOUN
fsr-4094	321	14	.	.	PUNCT
fsr-4094	322	1	this	this	DET
fsr-4094	322	2	effect	effect	NOUN
fsr-4094	322	3	is	be	AUX
fsr-4094	322	4	when	when	SCONJ
fsr-4094	322	5	an	an	DET
fsr-4094	322	6	investor	investor	NOUN
fsr-4094	322	7	holds	hold	VERB
fsr-4094	322	8	losers	loser	NOUN
fsr-4094	322	9	too	too	ADV
fsr-4094	322	10	long	long	ADV
fsr-4094	322	11	and	and	CCONJ
fsr-4094	322	12	sells	sell	VERB
fsr-4094	322	13	winners	winner	NOUN
fsr-4094	322	14	too	too	ADV
fsr-4094	322	15	early	early	ADV
fsr-4094	322	16	compared	compare	VERB
fsr-4094	322	17	to	to	ADP
fsr-4094	322	18	what	what	PRON
fsr-4094	322	19	a	a	DET
fsr-4094	322	20	rational	rational	ADJ
fsr-4094	322	21	investment	investment	NOUN
fsr-4094	322	22	plan	plan	NOUN
fsr-4094	322	23	would	would	AUX
fsr-4094	322	24	dictate	dictate	VERB
fsr-4094	322	25	.	.	PUNCT
fsr-4094	323	1	what	what	PRON
fsr-4094	323	2	a	a	DET
fsr-4094	323	3	loser	loser	NOUN
fsr-4094	323	4	or	or	CCONJ
fsr-4094	323	5	winner	winner	NOUN
fsr-4094	323	6	is	be	AUX
fsr-4094	323	7	in	in	ADP
fsr-4094	323	8	the	the	DET
fsr-4094	323	9	investor	investor	NOUN
fsr-4094	323	10	’s	’s	PART
fsr-4094	323	11	mind	mind	NOUN
fsr-4094	323	12	can	can	AUX
fsr-4094	323	13	be	be	AUX
fsr-4094	323	14	based	base	VERB
fsr-4094	323	15	on	on	ADP
fsr-4094	323	16	that	that	DET
fsr-4094	323	17	initial	initial	ADJ
fsr-4094	323	18	anchor	anchor	NOUN
fsr-4094	323	19	rather	rather	ADV
fsr-4094	323	20	than	than	ADP
fsr-4094	323	21	the	the	DET
fsr-4094	323	22	true	true	ADJ
fsr-4094	323	23	rational	rational	ADJ
fsr-4094	323	24	value	value	NOUN
fsr-4094	323	25	of	of	ADP
fsr-4094	323	26	the	the	DET
fsr-4094	323	27	asset	asset	NOUN
fsr-4094	323	28	.	.	PUNCT
fsr-4094	324	1	third	third	ADJ
fsr-4094	324	2	,	,	PUNCT
fsr-4094	324	3	investment	investment	NOUN
fsr-4094	324	4	decisions	decision	NOUN
fsr-4094	324	5	to	to	PART
fsr-4094	324	6	buy	buy	VERB
fsr-4094	324	7	,	,	PUNCT
fsr-4094	324	8	sell	sell	VERB
fsr-4094	324	9	,	,	PUNCT
fsr-4094	324	10	or	or	CCONJ
fsr-4094	324	11	hold	hold	NOUN
fsr-4094	324	12	are	be	AUX
fsr-4094	324	13	based	base	VERB
fsr-4094	324	14	on	on	ADP
fsr-4094	324	15	the	the	DET
fsr-4094	324	16	information	information	NOUN
fsr-4094	324	17	available	available	ADJ
fsr-4094	324	18	to	to	ADP
fsr-4094	324	19	the	the	DET
fsr-4094	324	20	investor	investor	NOUN
fsr-4094	324	21	and	and	CCONJ
fsr-4094	324	22	the	the	DET
fsr-4094	324	23	ability	ability	NOUN
fsr-4094	324	24	of	of	ADP
fsr-4094	324	25	the	the	DET
fsr-4094	324	26	investor	investor	NOUN
fsr-4094	324	27	to	to	PART
fsr-4094	324	28	use	use	VERB
fsr-4094	324	29	that	that	DET
fsr-4094	324	30	information	information	NOUN
fsr-4094	324	31	rationally	rationally	ADV
fsr-4094	324	32	.	.	PUNCT
fsr-4094	325	1	the	the	DET
fsr-4094	325	2	investor	investor	NOUN
fsr-4094	325	3	may	may	AUX
fsr-4094	325	4	have	have	VERB
fsr-4094	325	5	a	a	DET
fsr-4094	325	6	recency	recency	NOUN
fsr-4094	325	7	bias	bias	NOUN
fsr-4094	325	8	and	and	CCONJ
fsr-4094	325	9	be	be	AUX
fsr-4094	325	10	affected	affect	VERB
fsr-4094	325	11	by	by	ADP
fsr-4094	325	12	confirmation	confirmation	NOUN
fsr-4094	325	13	bias	bias	NOUN
fsr-4094	325	14	.	.	PUNCT
fsr-4094	326	1	with	with	ADP
fsr-4094	326	2	btc	btc	NOUN
fsr-4094	326	3	,	,	PUNCT
fsr-4094	326	4	for	for	ADP
fsr-4094	326	5	example	example	NOUN
fsr-4094	326	6	,	,	PUNCT
fsr-4094	326	7	recency	recency	NOUN
fsr-4094	326	8	bias	bias	NOUN
fsr-4094	326	9	will	will	AUX
fsr-4094	326	10	cause	cause	VERB
fsr-4094	326	11	the	the	DET
fsr-4094	326	12	investor	investor	NOUN
fsr-4094	326	13	to	to	PART
fsr-4094	326	14	pay	pay	VERB
fsr-4094	326	15	more	more	ADJ
fsr-4094	326	16	attention	attention	NOUN
fsr-4094	326	17	to	to	ADP
fsr-4094	326	18	what	what	PRON
fsr-4094	326	19	is	be	AUX
fsr-4094	326	20	being	be	AUX
fsr-4094	326	21	reported	report	VERB
fsr-4094	326	22	now	now	ADV
fsr-4094	326	23	versus	versus	ADP
fsr-4094	326	24	the	the	DET
fsr-4094	326	25	history	history	NOUN
fsr-4094	326	26	of	of	ADP
fsr-4094	326	27	btc	btc	ADJ
fsr-4094	326	28	prices	price	NOUN
fsr-4094	326	29	and	and	CCONJ
fsr-4094	326	30	market	market	NOUN
fsr-4094	326	31	movements	movement	NOUN
fsr-4094	326	32	.	.	PUNCT
fsr-4094	327	1	while	while	SCONJ
fsr-4094	327	2	it	it	PRON
fsr-4094	327	3	is	be	AUX
fsr-4094	327	4	common	common	ADJ
fsr-4094	327	5	to	to	PART
fsr-4094	327	6	say	say	VERB
fsr-4094	327	7	that	that	SCONJ
fsr-4094	327	8	the	the	DET
fsr-4094	327	9	past	past	NOUN
fsr-4094	327	10	is	be	AUX
fsr-4094	327	11	not	not	PART
fsr-4094	327	12	a	a	DET
fsr-4094	327	13	predictor	predictor	NOUN
fsr-4094	327	14	of	of	ADP
fsr-4094	327	15	the	the	DET
fsr-4094	327	16	future	future	NOUN
fsr-4094	327	17	in	in	ADP
fsr-4094	327	18	investments	investment	NOUN
fsr-4094	327	19	,	,	PUNCT
fsr-4094	327	20	a	a	DET
fsr-4094	327	21	well	well	ADV
fsr-4094	327	22	-	-	PUNCT
fsr-4094	327	23	informed	inform	VERB
fsr-4094	327	24	investor	investor	NOUN
fsr-4094	327	25	considers	consider	VERB
fsr-4094	327	26	history	history	NOUN
fsr-4094	327	27	valuable	valuable	ADJ
fsr-4094	327	28	information	information	NOUN
fsr-4094	327	29	.	.	PUNCT
fsr-4094	328	1	confirmation	confirmation	NOUN
fsr-4094	328	2	bias	bias	NOUN
fsr-4094	328	3	is	be	AUX
fsr-4094	328	4	when	when	SCONJ
fsr-4094	328	5	the	the	DET
fsr-4094	328	6	investor	investor	NOUN
fsr-4094	328	7	filters	filter	VERB
fsr-4094	328	8	information	information	NOUN
fsr-4094	328	9	to	to	PART
fsr-4094	328	10	pay	pay	VERB
fsr-4094	328	11	attention	attention	NOUN
fsr-4094	328	12	to	to	ADP
fsr-4094	328	13	what	what	PRON
fsr-4094	328	14	confirms	confirm	VERB
fsr-4094	328	15	their	their	PRON
fsr-4094	328	16	beliefs	belief	NOUN
fsr-4094	328	17	and	and	CCONJ
fsr-4094	328	18	avoids	avoid	VERB
fsr-4094	328	19	contradictory	contradictory	ADJ
fsr-4094	328	20	information	information	NOUN
fsr-4094	328	21	.	.	PUNCT
fsr-4094	329	1	if	if	SCONJ
fsr-4094	329	2	the	the	DET
fsr-4094	329	3	media	medium	NOUN
fsr-4094	329	4	mostly	mostly	ADV
fsr-4094	329	5	says	say	VERB
fsr-4094	329	6	btc	btc	PROPN
fsr-4094	329	7	is	be	AUX
fsr-4094	329	8	on	on	ADP
fsr-4094	329	9	an	an	DET
fsr-4094	329	10	upswing	upswing	NOUN
fsr-4094	329	11	,	,	PUNCT
fsr-4094	329	12	which	which	PRON
fsr-4094	329	13	the	the	DET
fsr-4094	329	14	investor	investor	NOUN
fsr-4094	329	15	wants	want	VERB
fsr-4094	329	16	to	to	PART
fsr-4094	329	17	hear	hear	VERB
fsr-4094	329	18	,	,	PUNCT
fsr-4094	329	19	they	they	PRON
fsr-4094	329	20	will	will	AUX
fsr-4094	329	21	ignore	ignore	VERB
fsr-4094	329	22	warning	warning	NOUN
fsr-4094	329	23	signs	sign	NOUN
fsr-4094	329	24	from	from	ADP
fsr-4094	329	25	other	other	ADJ
fsr-4094	329	26	reports	report	NOUN
fsr-4094	329	27	.	.	PUNCT
fsr-4094	330	1	these	these	DET
fsr-4094	330	2	two	two	NUM
fsr-4094	330	3	biases	bias	NOUN
fsr-4094	330	4	skew	skew	VERB
fsr-4094	330	5	the	the	DET
fsr-4094	330	6	information	information	NOUN
fsr-4094	330	7	being	be	AUX
fsr-4094	330	8	processed	process	VERB
fsr-4094	330	9	towards	towards	ADP
fsr-4094	330	10	irrationality	irrationality	NOUN
fsr-4094	330	11	and	and	CCONJ
fsr-4094	330	12	suboptimal	suboptimal	ADJ
fsr-4094	330	13	decisionmaking	decisionmaking	NOUN
fsr-4094	330	14	.	.	PUNCT
fsr-4094	331	1	other	other	ADJ
fsr-4094	331	2	biases	bias	NOUN
fsr-4094	331	3	likely	likely	ADV
fsr-4094	331	4	play	play	VERB
fsr-4094	331	5	a	a	DET
fsr-4094	331	6	part	part	NOUN
fsr-4094	331	7	in	in	ADP
fsr-4094	331	8	the	the	DET
fsr-4094	331	9	investment	investment	NOUN
fsr-4094	331	10	decisions	decision	NOUN
fsr-4094	331	11	regarding	regard	VERB
fsr-4094	331	12	cryptocurrencies	cryptocurrencie	NOUN
fsr-4094	331	13	.	.	PUNCT
fsr-4094	332	1	financial	financial	ADJ
fsr-4094	332	2	planning	planning	NOUN
fsr-4094	332	3	practitioners	practitioner	NOUN
fsr-4094	332	4	should	should	AUX
fsr-4094	332	5	proactively	proactively	ADV
fsr-4094	332	6	discover	discover	VERB
fsr-4094	332	7	which	which	PRON
fsr-4094	332	8	of	of	ADP
fsr-4094	332	9	their	their	PRON
fsr-4094	332	10	clients	client	NOUN
fsr-4094	332	11	are	be	AUX
fsr-4094	332	12	cryptocurrency	cryptocurrency	NOUN
fsr-4094	332	13	investors	investor	NOUN
fsr-4094	332	14	.	.	PUNCT
fsr-4094	333	1	in	in	ADP
fsr-4094	333	2	this	this	DET
fsr-4094	333	3	way	way	NOUN
fsr-4094	333	4	,	,	PUNCT
fsr-4094	333	5	they	they	PRON
fsr-4094	333	6	can	can	AUX
fsr-4094	333	7	apply	apply	VERB
fsr-4094	333	8	their	their	PRON
fsr-4094	333	9	planning	planning	NOUN
fsr-4094	333	10	knowledge	knowledge	NOUN
fsr-4094	333	11	and	and	CCONJ
fsr-4094	333	12	skills	skill	NOUN
fsr-4094	333	13	to	to	PART
fsr-4094	333	14	overcome	overcome	VERB
fsr-4094	333	15	literacy	literacy	NOUN
fsr-4094	333	16	gaps	gap	NOUN
fsr-4094	333	17	,	,	PUNCT
fsr-4094	333	18	counsel	counsel	NOUN
fsr-4094	333	19	on	on	ADP
fsr-4094	333	20	risk	risk	NOUN
fsr-4094	333	21	-	-	PUNCT
fsr-4094	333	22	taking	take	VERB
fsr-4094	333	23	behaviors	behavior	NOUN
fsr-4094	333	24	,	,	PUNCT
fsr-4094	333	25	integrate	integrate	VERB
fsr-4094	333	26	these	these	DET
fsr-4094	333	27	investments	investment	NOUN
fsr-4094	333	28	into	into	ADP
fsr-4094	333	29	an	an	DET
fsr-4094	333	30	overall	overall	ADJ
fsr-4094	333	31	plan	plan	NOUN
fsr-4094	333	32	,	,	PUNCT
fsr-4094	333	33	and	and	CCONJ
fsr-4094	333	34	correctly	correctly	ADV
fsr-4094	333	35	manage	manage	VERB
fsr-4094	333	36	their	their	PRON
fsr-4094	333	37	clients	client	NOUN
fsr-4094	333	38	’	’	PART
fsr-4094	333	39	portfolios	portfolio	NOUN
fsr-4094	333	40	given	give	VERB
fsr-4094	333	41	the	the	DET
fsr-4094	333	42	cryptocurrency	cryptocurrency	NOUN
fsr-4094	333	43	investing	investing	NOUN
fsr-4094	333	44	behavior	behavior	NOUN
fsr-4094	333	45	.	.	PUNCT
fsr-4094	334	1	practitioners	practitioner	NOUN
fsr-4094	334	2	need	need	VERB
fsr-4094	334	3	to	to	PART
fsr-4094	334	4	become	become	VERB
fsr-4094	334	5	experts	expert	NOUN
fsr-4094	334	6	in	in	ADP
fsr-4094	334	7	both	both	CCONJ
fsr-4094	334	8	the	the	DET
fsr-4094	334	9	investment	investment	NOUN
fsr-4094	334	10	side	side	NOUN
fsr-4094	334	11	and	and	CCONJ
fsr-4094	334	12	the	the	DET
fsr-4094	334	13	behavioral	behavioral	ADJ
fsr-4094	334	14	aspects	aspect	NOUN
fsr-4094	334	15	of	of	ADP
fsr-4094	334	16	cryptocurrency	cryptocurrency	NOUN
fsr-4094	334	17	investing	investing	NOUN
fsr-4094	334	18	.	.	PUNCT
fsr-4094	335	1	in	in	ADP
fsr-4094	335	2	contrast	contrast	NOUN
fsr-4094	335	3	,	,	PUNCT
fsr-4094	335	4	using	use	VERB
fsr-4094	335	5	cryptocurrency	cryptocurrency	NOUN
fsr-4094	335	6	for	for	ADP
fsr-4094	335	7	payment	payment	NOUN
fsr-4094	335	8	or	or	CCONJ
fsr-4094	335	9	sending	send	VERB
fsr-4094	335	10	money	money	NOUN
fsr-4094	335	11	seems	seem	VERB
fsr-4094	335	12	less	less	ADV
fsr-4094	335	13	associated	associate	VERB
fsr-4094	335	14	with	with	ADP
fsr-4094	335	15	elevated	elevated	ADJ
fsr-4094	335	16	financial	financial	ADJ
fsr-4094	335	17	risk	risk	NOUN
fsr-4094	335	18	tolerance	tolerance	NOUN
fsr-4094	335	19	.	.	PUNCT
fsr-4094	336	1	instead	instead	ADV
fsr-4094	336	2	,	,	PUNCT
fsr-4094	336	3	these	these	DET
fsr-4094	336	4	behaviors	behavior	NOUN
fsr-4094	336	5	may	may	AUX
fsr-4094	336	6	reflect	reflect	VERB
fsr-4094	336	7	practical	practical	ADJ
fsr-4094	336	8	concerns	concern	NOUN
fsr-4094	336	9	,	,	PUNCT
fsr-4094	336	10	such	such	ADJ
fsr-4094	336	11	as	as	ADP
fsr-4094	336	12	access	access	NOUN
fsr-4094	336	13	,	,	PUNCT
fsr-4094	336	14	affordability	affordability	NOUN
fsr-4094	336	15	,	,	PUNCT
fsr-4094	336	16	and	and	CCONJ
fsr-4094	336	17	convenience	convenience	NOUN
fsr-4094	336	18	.	.	PUNCT
fsr-4094	337	1	however	however	ADV
fsr-4094	337	2	,	,	PUNCT
fsr-4094	337	3	there	there	PRON
fsr-4094	337	4	is	be	VERB
fsr-4094	337	5	still	still	ADV
fsr-4094	337	6	a	a	DET
fsr-4094	337	7	meaningful	meaningful	ADJ
fsr-4094	337	8	link	link	NOUN
fsr-4094	337	9	to	to	ADP
fsr-4094	337	10	some	some	DET
fsr-4094	337	11	levels	level	NOUN
fsr-4094	337	12	of	of	ADP
fsr-4094	337	13	risk	risk	NOUN
fsr-4094	337	14	tolerance	tolerance	NOUN
fsr-4094	337	15	,	,	PUNCT
fsr-4094	337	16	suggesting	suggest	VERB
fsr-4094	337	17	that	that	SCONJ
fsr-4094	337	18	even	even	ADV
fsr-4094	337	19	among	among	ADP
fsr-4094	337	20	those	those	PRON
fsr-4094	337	21	using	use	VERB
fsr-4094	337	22	crypto	crypto	NOUN
fsr-4094	337	23	for	for	ADP
fsr-4094	337	24	utility	utility	NOUN
fsr-4094	337	25	rather	rather	ADV
fsr-4094	337	26	than	than	ADP
fsr-4094	337	27	speculation	speculation	NOUN
fsr-4094	337	28	,	,	PUNCT
fsr-4094	337	29	a	a	DET
fsr-4094	337	30	certain	certain	ADJ
fsr-4094	337	31	comfort	comfort	NOUN
fsr-4094	337	32	with	with	ADP
fsr-4094	337	33	novel	novel	NOUN
fsr-4094	337	34	and	and	CCONJ
fsr-4094	337	35	less	less	ADV
fsr-4094	337	36	-	-	PUNCT
fsr-4094	337	37	regulated	regulate	VERB
fsr-4094	337	38	systems	system	NOUN
fsr-4094	337	39	is	be	AUX
fsr-4094	337	40	necessary	necessary	ADJ
fsr-4094	337	41	.	.	PUNCT
fsr-4094	338	1	these	these	DET
fsr-4094	338	2	users	user	NOUN
fsr-4094	338	3	might	might	AUX
fsr-4094	338	4	be	be	AUX
fsr-4094	338	5	more	more	ADV
fsr-4094	338	6	open	open	ADJ
fsr-4094	338	7	to	to	ADP
fsr-4094	338	8	financial	financial	ADJ
fsr-4094	338	9	innovation	innovation	NOUN
fsr-4094	338	10	and	and	CCONJ
fsr-4094	338	11	may	may	AUX
fsr-4094	338	12	perceive	perceive	VERB
fsr-4094	338	13	the	the	DET
fsr-4094	338	14	trade	trade	NOUN
fsr-4094	338	15	-	-	PUNCT
fsr-4094	338	16	offs	off	NOUN
fsr-4094	338	17	,	,	PUNCT
fsr-4094	338	18	such	such	ADJ
fsr-4094	338	19	as	as	ADP
fsr-4094	338	20	price	price	NOUN
fsr-4094	338	21	volatility	volatility	NOUN
fsr-4094	338	22	,	,	PUNCT
fsr-4094	338	23	as	as	ADP
fsr-4094	338	24	acceptable	acceptable	ADJ
fsr-4094	338	25	in	in	ADP
fsr-4094	338	26	exchange	exchange	NOUN
fsr-4094	338	27	for	for	ADP
fsr-4094	338	28	benefits	benefit	NOUN
fsr-4094	338	29	like	like	ADP
fsr-4094	338	30	lower	low	ADJ
fsr-4094	338	31	remittance	remittance	NOUN
fsr-4094	338	32	fees	fee	NOUN
fsr-4094	338	33	or	or	CCONJ
fsr-4094	338	34	increased	increase	VERB
fsr-4094	338	35	transaction	transaction	NOUN
fsr-4094	338	36	speed	speed	NOUN
fsr-4094	338	37	.	.	PUNCT
fsr-4094	339	1	importantly	importantly	ADV
fsr-4094	339	2	,	,	PUNCT
fsr-4094	339	3	there	there	PRON
fsr-4094	339	4	is	be	VERB
fsr-4094	339	5	also	also	ADV
fsr-4094	339	6	a	a	DET
fsr-4094	339	7	notable	notable	ADJ
fsr-4094	339	8	association	association	NOUN
fsr-4094	339	9	between	between	ADP
fsr-4094	339	10	cryptocurrency	cryptocurrency	NOUN
fsr-4094	339	11	usage	usage	NOUN
fsr-4094	339	12	and	and	CCONJ
fsr-4094	339	13	the	the	DET
fsr-4094	339	14	use	use	NOUN
fsr-4094	339	15	of	of	ADP
fsr-4094	339	16	alternative	alternative	ADJ
fsr-4094	339	17	financial	financial	ADJ
fsr-4094	339	18	services	service	NOUN
fsr-4094	339	19	(	(	PUNCT
fsr-4094	339	20	afs	afs	NOUN
fsr-4094	339	21	)	)	PUNCT
fsr-4094	339	22	,	,	PUNCT
fsr-4094	339	23	such	such	ADJ
fsr-4094	339	24	as	as	ADP
fsr-4094	339	25	payday	payday	NOUN
fsr-4094	339	26	loans	loan	NOUN
fsr-4094	339	27	,	,	PUNCT
fsr-4094	339	28	pawnshop	pawnshop	NOUN
fsr-4094	339	29	loans	loan	NOUN
fsr-4094	339	30	,	,	PUNCT
fsr-4094	339	31	and	and	CCONJ
fsr-4094	339	32	money	money	NOUN
fsr-4094	339	33	orders	order	NOUN
fsr-4094	339	34	obtained	obtain	VERB
fsr-4094	339	35	outside	outside	ADV
fsr-4094	339	36	of	of	ADP
fsr-4094	339	37	banks	bank	NOUN
fsr-4094	339	38	.	.	PUNCT
fsr-4094	340	1	this	this	DET
fsr-4094	340	2	connection	connection	NOUN
fsr-4094	340	3	suggests	suggest	VERB
fsr-4094	340	4	that	that	SCONJ
fsr-4094	340	5	for	for	ADP
fsr-4094	340	6	many	many	ADJ
fsr-4094	340	7	users	user	NOUN
fsr-4094	340	8	,	,	PUNCT
fsr-4094	340	9	cryptocurrency	cryptocurrency	NOUN
fsr-4094	340	10	may	may	AUX
fsr-4094	340	11	serve	serve	VERB
fsr-4094	340	12	as	as	ADP
fsr-4094	340	13	a	a	DET
fsr-4094	340	14	complement	complement	NOUN
fsr-4094	340	15	to	to	ADP
fsr-4094	340	16	or	or	CCONJ
fsr-4094	340	17	substitute	substitute	VERB
fsr-4094	340	18	for	for	ADP
fsr-4094	340	19	traditional	traditional	ADJ
fsr-4094	340	20	afs	afs	NOUN
fsr-4094	340	21	.	.	PUNCT
fsr-4094	341	1	individuals	individual	NOUN
fsr-4094	341	2	who	who	PRON
fsr-4094	341	3	rely	rely	VERB
fsr-4094	341	4	on	on	ADP
fsr-4094	341	5	afs	afs	NOUN
fsr-4094	341	6	often	often	ADV
fsr-4094	341	7	do	do	VERB
fsr-4094	341	8	so	so	ADV
fsr-4094	341	9	because	because	SCONJ
fsr-4094	341	10	of	of	ADP
fsr-4094	341	11	limited	limited	ADJ
fsr-4094	341	12	access	access	NOUN
fsr-4094	341	13	to	to	ADP
fsr-4094	341	14	conventional	conventional	ADJ
fsr-4094	341	15	banking	banking	NOUN
fsr-4094	341	16	,	,	PUNCT
fsr-4094	341	17	and	and	CCONJ
fsr-4094	341	18	their	their	PRON
fsr-4094	341	19	adoption	adoption	NOUN
fsr-4094	341	20	of	of	ADP
fsr-4094	341	21	cryptocurrency	cryptocurrency	NOUN
fsr-4094	341	22	may	may	AUX
fsr-4094	341	23	reflect	reflect	VERB
fsr-4094	341	24	a	a	DET
fsr-4094	341	25	search	search	NOUN
fsr-4094	341	26	for	for	ADP
fsr-4094	341	27	more	more	ADV
fsr-4094	341	28	accessible	accessible	ADJ
fsr-4094	341	29	,	,	PUNCT
fsr-4094	341	30	affordable	affordable	ADJ
fsr-4094	341	31	,	,	PUNCT
fsr-4094	341	32	or	or	CCONJ
fsr-4094	341	33	immediate	immediate	ADJ
fsr-4094	341	34	financial	financial	ADJ
fsr-4094	341	35	solutions	solution	NOUN
fsr-4094	341	36	.	.	PUNCT
fsr-4094	342	1	in	in	ADP
fsr-4094	342	2	this	this	DET
fsr-4094	342	3	way	way	NOUN
fsr-4094	342	4	,	,	PUNCT
fsr-4094	342	5	cryptocurrencies	cryptocurrencie	NOUN
fsr-4094	342	6	may	may	AUX
fsr-4094	342	7	function	function	VERB
fsr-4094	342	8	as	as	ADP
fsr-4094	342	9	part	part	NOUN
fsr-4094	342	10	of	of	ADP
fsr-4094	342	11	an	an	DET
fsr-4094	342	12	informal	informal	ADJ
fsr-4094	342	13	financial	financial	ADJ
fsr-4094	342	14	ecosystem	ecosystem	NOUN
fsr-4094	342	15	that	that	PRON
fsr-4094	342	16	services	service	VERB
fsr-4094	342	17	the	the	DET
fsr-4094	342	18	needs	need	NOUN
fsr-4094	342	19	of	of	ADP
fsr-4094	342	20	the	the	DET
fsr-4094	342	21	unbanked	unbanked	ADJ
fsr-4094	342	22	and	and	CCONJ
fsr-4094	342	23	underbanked	underbanked	ADJ
fsr-4094	342	24	.	.	PUNCT
fsr-4094	343	1	this	this	DET
fsr-4094	343	2	connection	connection	NOUN
fsr-4094	343	3	highlights	highlight	VERB
fsr-4094	343	4	the	the	DET
fsr-4094	343	5	potential	potential	NOUN
fsr-4094	343	6	for	for	SCONJ
fsr-4094	343	7	crypto	crypto	NOUN
fsr-4094	343	8	to	to	PART
fsr-4094	343	9	address	address	VERB
fsr-4094	343	10	systemic	systemic	ADJ
fsr-4094	343	11	gaps	gap	NOUN
fsr-4094	343	12	in	in	ADP
fsr-4094	343	13	financial	financial	ADJ
fsr-4094	343	14	inclusion	inclusion	NOUN
fsr-4094	343	15	,	,	PUNCT
fsr-4094	343	16	while	while	SCONJ
fsr-4094	343	17	also	also	ADV
fsr-4094	343	18	raising	raise	VERB
fsr-4094	343	19	concerns	concern	NOUN
fsr-4094	343	20	about	about	ADP
fsr-4094	343	21	the	the	DET
fsr-4094	343	22	vulnerability	vulnerability	NOUN
fsr-4094	343	23	of	of	ADP
fsr-4094	343	24	these	these	DET
fsr-4094	343	25	populations	population	NOUN
fsr-4094	343	26	to	to	PART
fsr-4094	343	27	risk	risk	VERB
fsr-4094	343	28	and	and	CCONJ
fsr-4094	343	29	exploitation	exploitation	NOUN
fsr-4094	343	30	in	in	ADP
fsr-4094	343	31	unregulated	unregulated	ADJ
fsr-4094	343	32	digital	digital	ADJ
fsr-4094	343	33	markets	market	NOUN
fsr-4094	343	34	.	.	PUNCT
fsr-4094	344	1	the	the	DET
fsr-4094	344	2	implications	implication	NOUN
fsr-4094	344	3	are	be	AUX
fsr-4094	344	4	far	far	ADV
fsr-4094	344	5	-	-	PUNCT
fsr-4094	344	6	reaching	reach	VERB
fsr-4094	344	7	.	.	PUNCT
fsr-4094	345	1	for	for	ADP
fsr-4094	345	2	consumers	consumer	NOUN
fsr-4094	345	3	,	,	PUNCT
fsr-4094	345	4	the	the	DET
fsr-4094	345	5	connection	connection	NOUN
fsr-4094	345	6	between	between	ADP
fsr-4094	345	7	risk	risk	NOUN
fsr-4094	345	8	preference	preference	NOUN
fsr-4094	345	9	and	and	CCONJ
fsr-4094	345	10	crypto	crypto	NOUN
fsr-4094	345	11	behavior	behavior	NOUN
fsr-4094	345	12	underscores	underscore	VERB
fsr-4094	345	13	the	the	DET
fsr-4094	345	14	need	need	NOUN
fsr-4094	345	15	for	for	ADP
fsr-4094	345	16	curnutt	curnutt	NOUN
fsr-4094	345	17	and	and	CCONJ
fsr-4094	345	18	smith	smith	PROPN
fsr-4094	345	19	139	139	NUM
fsr-4094	345	20	personalized	personalize	VERB
fsr-4094	345	21	financial	financial	ADJ
fsr-4094	345	22	education	education	NOUN
fsr-4094	345	23	that	that	PRON
fsr-4094	345	24	accounts	account	VERB
fsr-4094	345	25	for	for	ADP
fsr-4094	345	26	individual	individual	ADJ
fsr-4094	345	27	risk	risk	NOUN
fsr-4094	345	28	profiles	profile	NOUN
fsr-4094	345	29	and	and	CCONJ
fsr-4094	345	30	financial	financial	ADJ
fsr-4094	345	31	goals	goal	NOUN
fsr-4094	345	32	.	.	PUNCT
fsr-4094	346	1	for	for	ADP
fsr-4094	346	2	advisors	advisor	NOUN
fsr-4094	346	3	,	,	PUNCT
fsr-4094	346	4	it	it	PRON
fsr-4094	346	5	reinforces	reinforce	VERB
fsr-4094	346	6	the	the	DET
fsr-4094	346	7	importance	importance	NOUN
fsr-4094	346	8	of	of	ADP
fsr-4094	346	9	discussing	discuss	VERB
fsr-4094	346	10	crypto	crypto	ADJ
fsr-4094	346	11	investments	investment	NOUN
fsr-4094	346	12	with	with	ADP
fsr-4094	346	13	clients	client	NOUN
fsr-4094	346	14	,	,	PUNCT
fsr-4094	346	15	not	not	PART
fsr-4094	346	16	just	just	ADV
fsr-4094	346	17	in	in	ADP
fsr-4094	346	18	terms	term	NOUN
fsr-4094	346	19	of	of	ADP
fsr-4094	346	20	returns	return	NOUN
fsr-4094	346	21	but	but	CCONJ
fsr-4094	346	22	also	also	ADV
fsr-4094	346	23	in	in	ADP
fsr-4094	346	24	the	the	DET
fsr-4094	346	25	context	context	NOUN
fsr-4094	346	26	of	of	ADP
fsr-4094	346	27	behavioral	behavioral	ADJ
fsr-4094	346	28	and	and	CCONJ
fsr-4094	346	29	psychological	psychological	ADJ
fsr-4094	346	30	readiness	readiness	NOUN
fsr-4094	346	31	.	.	PUNCT
fsr-4094	347	1	advisors	advisor	NOUN
fsr-4094	347	2	must	must	AUX
fsr-4094	347	3	be	be	AUX
fsr-4094	347	4	prepared	prepared	ADJ
fsr-4094	347	5	to	to	PART
fsr-4094	347	6	help	help	VERB
fsr-4094	347	7	clients	client	NOUN
fsr-4094	347	8	understand	understand	VERB
fsr-4094	347	9	how	how	SCONJ
fsr-4094	347	10	their	their	PRON
fsr-4094	347	11	risk	risk	NOUN
fsr-4094	347	12	preferences	preference	NOUN
fsr-4094	347	13	may	may	AUX
fsr-4094	347	14	influence	influence	VERB
fsr-4094	347	15	both	both	PRON
fsr-4094	347	16	their	their	PRON
fsr-4094	347	17	motivations	motivation	NOUN
fsr-4094	347	18	and	and	CCONJ
fsr-4094	347	19	decision	decision	NOUN
fsr-4094	347	20	-	-	PUNCT
fsr-4094	347	21	making	make	VERB
fsr-4094	347	22	processes	process	NOUN
fsr-4094	347	23	across	across	ADP
fsr-4094	347	24	different	different	ADJ
fsr-4094	347	25	forms	form	NOUN
fsr-4094	347	26	of	of	ADP
fsr-4094	347	27	crypto	crypto	NOUN
fsr-4094	347	28	use	use	NOUN
fsr-4094	347	29	.	.	PUNCT
fsr-4094	348	1	for	for	ADP
fsr-4094	348	2	policymakers	policymaker	NOUN
fsr-4094	348	3	and	and	CCONJ
fsr-4094	348	4	regulators	regulator	NOUN
fsr-4094	348	5	,	,	PUNCT
fsr-4094	348	6	understanding	understand	VERB
fsr-4094	348	7	the	the	DET
fsr-4094	348	8	interplay	interplay	NOUN
fsr-4094	348	9	between	between	ADP
fsr-4094	348	10	risk	risk	NOUN
fsr-4094	348	11	tolerance	tolerance	NOUN
fsr-4094	348	12	and	and	CCONJ
fsr-4094	348	13	crypto	crypto	NOUN
fsr-4094	348	14	usage	usage	NOUN
fsr-4094	348	15	supports	support	VERB
fsr-4094	348	16	the	the	DET
fsr-4094	348	17	design	design	NOUN
fsr-4094	348	18	of	of	ADP
fsr-4094	348	19	more	more	ADV
fsr-4094	348	20	nuanced	nuanced	ADJ
fsr-4094	348	21	regulations	regulation	NOUN
fsr-4094	348	22	that	that	PRON
fsr-4094	348	23	address	address	VERB
fsr-4094	348	24	the	the	DET
fsr-4094	348	25	varying	vary	VERB
fsr-4094	348	26	needs	need	NOUN
fsr-4094	348	27	of	of	ADP
fsr-4094	348	28	different	different	ADJ
fsr-4094	348	29	user	user	NOUN
fsr-4094	348	30	groups	group	NOUN
fsr-4094	348	31	.	.	PUNCT
fsr-4094	349	1	those	those	PRON
fsr-4094	349	2	engaging	engage	VERB
fsr-4094	349	3	in	in	ADP
fsr-4094	349	4	highrisk	highrisk	NOUN
fsr-4094	349	5	investment	investment	NOUN
fsr-4094	349	6	behavior	behavior	NOUN
fsr-4094	349	7	may	may	AUX
fsr-4094	349	8	require	require	VERB
fsr-4094	349	9	stronger	strong	ADJ
fsr-4094	349	10	consumer	consumer	NOUN
fsr-4094	349	11	protections	protection	NOUN
fsr-4094	349	12	,	,	PUNCT
fsr-4094	349	13	while	while	SCONJ
fsr-4094	349	14	users	user	NOUN
fsr-4094	349	15	relying	rely	VERB
fsr-4094	349	16	on	on	ADP
fsr-4094	349	17	crypto	crypto	NOUN
fsr-4094	349	18	for	for	ADP
fsr-4094	349	19	payments	payment	NOUN
fsr-4094	349	20	or	or	CCONJ
fsr-4094	349	21	remittances	remittance	NOUN
fsr-4094	349	22	might	might	AUX
fsr-4094	349	23	benefit	benefit	VERB
fsr-4094	349	24	more	more	ADJ
fsr-4094	349	25	from	from	ADP
fsr-4094	349	26	improved	improved	ADJ
fsr-4094	349	27	infrastructure	infrastructure	NOUN
fsr-4094	349	28	and	and	CCONJ
fsr-4094	349	29	safeguards	safeguard	NOUN
fsr-4094	349	30	against	against	ADP
fsr-4094	349	31	fraud	fraud	NOUN
fsr-4094	349	32	or	or	CCONJ
fsr-4094	349	33	access	access	NOUN
fsr-4094	349	34	issues	issue	NOUN
fsr-4094	349	35	.	.	PUNCT
fsr-4094	350	1	references	reference	NOUN
fsr-4094	350	2	almansour	almansour	PROPN
fsr-4094	350	3	,	,	PUNCT
fsr-4094	350	4	b.	b.	PROPN
fsr-4094	350	5	y.	y.	PROPN
fsr-4094	350	6	,	,	PUNCT
fsr-4094	350	7	elkrghli	elkrghli	PROPN
fsr-4094	350	8	,	,	PUNCT
fsr-4094	350	9	s.	s.	PROPN
fsr-4094	350	10	,	,	PUNCT
fsr-4094	350	11	&	&	CCONJ
fsr-4094	350	12	al	al	PROPN
fsr-4094	350	13	-	-	PUNCT
fsr-4094	350	14	mansour	mansour	PROPN
fsr-4094	350	15	,	,	PUNCT
fsr-4094	350	16	a.	a.	PROPN
fsr-4094	350	17	y.	y.	PROPN
fsr-4094	350	18	(	(	PUNCT
fsr-4094	350	19	2023	2023	NUM
fsr-4094	350	20	)	)	PUNCT
fsr-4094	350	21	.	.	PUNCT
fsr-4094	351	1	behavioral	behavioral	ADJ
fsr-4094	351	2	finance	finance	NOUN
fsr-4094	351	3	factors	factor	NOUN
fsr-4094	351	4	and	and	CCONJ
fsr-4094	351	5	investment	investment	NOUN
fsr-4094	351	6	decisions	decision	NOUN
fsr-4094	351	7	:	:	PUNCT
fsr-4094	351	8	a	a	DET
fsr-4094	351	9	mediating	mediate	VERB
fsr-4094	351	10	role	role	NOUN
fsr-4094	351	11	of	of	ADP
fsr-4094	351	12	risk	risk	NOUN
fsr-4094	351	13	perception	perception	NOUN
fsr-4094	351	14	.	.	PUNCT
fsr-4094	352	1	cogent	cogent	NOUN
fsr-4094	352	2	economics	economics	PROPN
fsr-4094	352	3	&	&	CCONJ
fsr-4094	352	4	finance	finance	PROPN
fsr-4094	352	5	,	,	PUNCT
fsr-4094	352	6	11(2	11(2	NOUN
fsr-4094	352	7	)	)	PUNCT
fsr-4094	352	8	,	,	PUNCT
fsr-4094	352	9	1–20	1–20	PROPN
fsr-4094	352	10	.	.	PUNCT
fsr-4094	352	11	https://doi.org/10.1080/23322039.2023	https://doi.org/10.1080/23322039.2023	NOUN
fsr-4094	352	12	.	.	PUNCT
fsr-4094	353	1	2239032	2239032	NUM
fsr-4094	353	2	almeida	almeida	PROPN
fsr-4094	353	3	,	,	PUNCT
fsr-4094	353	4	j.	j.	PROPN
fsr-4094	353	5	,	,	PUNCT
fsr-4094	353	6	&	&	CCONJ
fsr-4094	353	7	gonçalves	gonçalves	PROPN
fsr-4094	353	8	,	,	PUNCT
fsr-4094	353	9	t.	t.	PROPN
fsr-4094	353	10	c.	c.	PROPN
fsr-4094	353	11	(	(	PUNCT
fsr-4094	353	12	2023	2023	NUM
fsr-4094	353	13	)	)	PUNCT
fsr-4094	353	14	.	.	PUNCT
fsr-4094	354	1	portfolio	portfolio	NOUN
fsr-4094	354	2	diversification	diversification	NOUN
fsr-4094	354	3	,	,	PUNCT
fsr-4094	354	4	hedge	hedge	NOUN
fsr-4094	354	5	and	and	CCONJ
fsr-4094	354	6	safe	safe	ADJ
fsr-4094	354	7	-	-	PUNCT
fsr-4094	354	8	haven	haven	NOUN
fsr-4094	354	9	properties	property	NOUN
fsr-4094	354	10	in	in	ADP
fsr-4094	354	11	cryptocurrency	cryptocurrency	NOUN
fsr-4094	354	12	investments	investment	NOUN
fsr-4094	354	13	and	and	CCONJ
fsr-4094	354	14	financial	financial	ADJ
fsr-4094	354	15	economics	economic	NOUN
fsr-4094	354	16	:	:	PUNCT
fsr-4094	354	17	a	a	DET
fsr-4094	354	18	systematic	systematic	ADJ
fsr-4094	354	19	literature	literature	PROPN
fsr-4094	354	20	review	review	PROPN
fsr-4094	354	21	.	.	PUNCT
fsr-4094	355	1	journal	journal	NOUN
fsr-4094	355	2	of	of	ADP
fsr-4094	355	3	risk	risk	NOUN
fsr-4094	355	4	and	and	CCONJ
fsr-4094	355	5	financial	financial	ADJ
fsr-4094	355	6	management	management	NOUN
fsr-4094	355	7	,	,	PUNCT
fsr-4094	355	8	16(1	16(1	NUM
fsr-4094	355	9	)	)	PUNCT
fsr-4094	355	10	,	,	PUNCT
fsr-4094	355	11	1–25	1–25	PROPN
fsr-4094	355	12	.	.	PUNCT
fsr-4094	356	1	https://doi.org/10.3390/jrfm16010003	https://doi.org/10.3390/jrfm16010003	PROPN
fsr-4094	356	2	barcellos	barcellos	PROPN
fsr-4094	356	3	,	,	PUNCT
fsr-4094	356	4	s.	s.	PROPN
fsr-4094	356	5	h.	h.	PROPN
fsr-4094	356	6	,	,	PUNCT
fsr-4094	356	7	&	&	CCONJ
fsr-4094	356	8	zamarro	zamarro	PROPN
fsr-4094	356	9	,	,	PUNCT
fsr-4094	356	10	g.	g.	PROPN
fsr-4094	356	11	(	(	PUNCT
fsr-4094	356	12	2021	2021	NUM
fsr-4094	356	13	)	)	PUNCT
fsr-4094	356	14	.	.	PUNCT
fsr-4094	357	1	unbanked	unbanked	ADJ
fsr-4094	357	2	status	status	NOUN
fsr-4094	357	3	and	and	CCONJ
fsr-4094	357	4	use	use	NOUN
fsr-4094	357	5	of	of	ADP
fsr-4094	357	6	alternative	alternative	ADJ
fsr-4094	357	7	financial	financial	ADJ
fsr-4094	357	8	services	service	NOUN
fsr-4094	357	9	.	.	PUNCT
fsr-4094	358	1	journal	journal	PROPN
fsr-4094	358	2	of	of	ADP
fsr-4094	358	3	pension	pension	NOUN
fsr-4094	358	4	economics	economic	NOUN
fsr-4094	358	5	&	&	CCONJ
fsr-4094	358	6	finance	finance	PROPN
fsr-4094	358	7	,	,	PUNCT
fsr-4094	358	8	20(4	20(4	NOUN
fsr-4094	358	9	)	)	PUNCT
fsr-4094	358	10	,	,	PUNCT
fsr-4094	358	11	468–481	468–481	NUM
fsr-4094	358	12	.	.	PUNCT
fsr-4094	359	1	https://doi.org/10.1017/s147474721900	https://doi.org/10.1017/s147474721900	NUM
fsr-4094	359	2	0052	0052	NUM
fsr-4094	359	3	birkenmaier	birkenmaier	X
fsr-4094	359	4	,	,	PUNCT
fsr-4094	359	5	j.	j.	PROPN
fsr-4094	359	6	,	,	PUNCT
fsr-4094	359	7	&	&	CCONJ
fsr-4094	359	8	fu	fu	PROPN
fsr-4094	359	9	,	,	PUNCT
fsr-4094	359	10	q.	q.	PROPN
fsr-4094	359	11	(	(	PUNCT
fsr-4094	359	12	2023	2023	NUM
fsr-4094	359	13	)	)	PUNCT
fsr-4094	359	14	.	.	PUNCT
fsr-4094	360	1	bank	bank	NOUN
fsr-4094	360	2	account	account	NOUN
fsr-4094	360	3	access	access	NOUN
fsr-4094	360	4	methods	method	NOUN
fsr-4094	360	5	,	,	PUNCT
fsr-4094	360	6	household	household	NOUN
fsr-4094	360	7	financial	financial	ADJ
fsr-4094	360	8	wellbeing	wellbeing	NOUN
fsr-4094	360	9	,	,	PUNCT
fsr-4094	360	10	and	and	CCONJ
fsr-4094	360	11	alternative	alternative	ADJ
fsr-4094	360	12	financial	financial	ADJ
fsr-4094	360	13	services	service	NOUN
fsr-4094	360	14	.	.	PUNCT
fsr-4094	361	1	journal	journal	NOUN
fsr-4094	361	2	of	of	ADP
fsr-4094	361	3	poverty	poverty	NOUN
fsr-4094	361	4	,	,	PUNCT
fsr-4094	361	5	27(1	27(1	NUM
fsr-4094	361	6	)	)	PUNCT
fsr-4094	361	7	,	,	PUNCT
fsr-4094	361	8	33–59	33–59	PROPN
fsr-4094	361	9	.	.	PUNCT
fsr-4094	362	1	https://doi.org/10.1080/10875549.2021	https://doi.org/10.1080/10875549.2021	NOUN
fsr-4094	362	2	.	.	PUNCT
fsr-4094	363	1	2010863	2010863	NUM
fsr-4094	363	2	baur	baur	NOUN
fsr-4094	363	3	,	,	PUNCT
fsr-4094	363	4	d.	d.	PROPN
fsr-4094	363	5	g.	g.	PROPN
fsr-4094	363	6	,	,	PUNCT
fsr-4094	363	7	&	&	CCONJ
fsr-4094	363	8	dimpfl	dimpfl	PROPN
fsr-4094	363	9	,	,	PUNCT
fsr-4094	363	10	t.	t.	NOUN
fsr-4094	363	11	(	(	PUNCT
fsr-4094	363	12	2021	2021	NUM
fsr-4094	363	13	)	)	PUNCT
fsr-4094	363	14	.	.	PUNCT
fsr-4094	364	1	the	the	DET
fsr-4094	364	2	volatility	volatility	NOUN
fsr-4094	364	3	of	of	ADP
fsr-4094	364	4	bitcoin	bitcoin	NOUN
fsr-4094	364	5	and	and	CCONJ
fsr-4094	364	6	its	its	PRON
fsr-4094	364	7	role	role	NOUN
fsr-4094	364	8	as	as	ADP
fsr-4094	364	9	a	a	DET
fsr-4094	364	10	medium	medium	NOUN
fsr-4094	364	11	of	of	ADP
fsr-4094	364	12	exchange	exchange	NOUN
fsr-4094	364	13	and	and	CCONJ
fsr-4094	364	14	a	a	DET
fsr-4094	364	15	store	store	NOUN
fsr-4094	364	16	of	of	ADP
fsr-4094	364	17	value	value	NOUN
fsr-4094	364	18	.	.	PUNCT
fsr-4094	365	1	empirical	empirical	ADJ
fsr-4094	365	2	economics	economic	NOUN
fsr-4094	365	3	,	,	PUNCT
fsr-4094	365	4	61(5	61(5	NUM
fsr-4094	365	5	)	)	PUNCT
fsr-4094	365	6	,	,	PUNCT
fsr-4094	365	7	2663–2683	2663–2683	NUM
fsr-4094	365	8	.	.	PUNCT
fsr-4094	366	1	https://doi.org/10.1007/s00181-02001990-5	https://doi.org/10.1007/s00181-02001990-5	PROPN
fsr-4094	366	2	brown	brown	PROPN
fsr-4094	366	3	,	,	PUNCT
fsr-4094	366	4	t.	t.	PROPN
fsr-4094	366	5	(	(	PUNCT
fsr-4094	366	6	2023	2023	NUM
fsr-4094	366	7	)	)	PUNCT
fsr-4094	366	8	.	.	PUNCT
fsr-4094	367	1	bitcoin	bitcoin	PROPN
fsr-4094	367	2	atms	atms	PROPN
fsr-4094	367	3	:	:	PUNCT
fsr-4094	367	4	what	what	PRON
fsr-4094	367	5	,	,	PUNCT
fsr-4094	367	6	why	why	SCONJ
fsr-4094	367	7	,	,	PUNCT
fsr-4094	367	8	and	and	CCONJ
fsr-4094	367	9	where	where	SCONJ
fsr-4094	367	10	.	.	PUNCT
fsr-4094	368	1	business	business	NOUN
fsr-4094	368	2	review	review	NOUN
fsr-4094	368	3	at	at	ADP
fsr-4094	368	4	berkeley	berkeley	PROPN
fsr-4094	368	5	.	.	PUNCT
fsr-4094	369	1	https://businessreview.studentorg.berkel	https://businessreview.studentorg.berkel	PROPN
fsr-4094	369	2	ey.edu/bitcoin-atms-what-why-andwhere/	ey.edu/bitcoin-atms-what-why-andwhere/	PROPN
fsr-4094	369	3	carmona	carmona	PROPN
fsr-4094	369	4	,	,	PUNCT
fsr-4094	369	5	t.	t.	PROPN
fsr-4094	369	6	(	(	PUNCT
fsr-4094	369	7	2022	2022	NUM
fsr-4094	369	8	,	,	PUNCT
fsr-4094	369	9	may	may	AUX
fsr-4094	369	10	19	19	NUM
fsr-4094	369	11	)	)	PUNCT
fsr-4094	369	12	.	.	PUNCT
fsr-4094	370	1	debunking	debunk	VERB
fsr-4094	370	2	the	the	DET
fsr-4094	370	3	narratives	narrative	NOUN
fsr-4094	370	4	about	about	ADP
fsr-4094	370	5	cryptocurrency	cryptocurrency	NOUN
fsr-4094	370	6	and	and	CCONJ
fsr-4094	370	7	financial	financial	ADJ
fsr-4094	370	8	inclusion	inclusion	NOUN
fsr-4094	370	9	.	.	PUNCT
fsr-4094	371	1	brookings	brookings	PROPN
fsr-4094	371	2	.	.	PUNCT
fsr-4094	372	1	https://www.brookings.edu/articles/debunking-the-narratives-about-cryptocurrency-and-financial-inclusion/	https://www.brookings.edu/articles/debunking-the-narratives-about-cryptocurrency-and-financial-inclusion/	PROPN
fsr-4094	372	2	cfpb	cfpb	PROPN
fsr-4094	372	3	.	.	PUNCT
fsr-4094	373	1	(	(	PUNCT
fsr-4094	373	2	2016	2016	NUM
fsr-4094	373	3	)	)	PUNCT
fsr-4094	373	4	.	.	PUNCT
fsr-4094	374	1	supplemental	supplemental	ADJ
fsr-4094	374	2	findings	finding	NOUN
fsr-4094	374	3	on	on	ADP
fsr-4094	374	4	payday	payday	NOUN
fsr-4094	374	5	,	,	PUNCT
fsr-4094	374	6	payday	payday	NOUN
fsr-4094	374	7	installment	installment	NOUN
fsr-4094	374	8	,	,	PUNCT
fsr-4094	374	9	and	and	CCONJ
fsr-4094	374	10	vehicle	vehicle	NOUN
fsr-4094	374	11	title	title	NOUN
fsr-4094	374	12	loans	loan	NOUN
fsr-4094	374	13	,	,	PUNCT
fsr-4094	374	14	and	and	CCONJ
fsr-4094	374	15	deposit	deposit	VERB
fsr-4094	374	16	advance	advance	NOUN
fsr-4094	374	17	products	product	NOUN
fsr-4094	374	18	.	.	PUNCT
fsr-4094	375	1	https://files.consumerfinance.gov/f/documents/supplemental_report_060116.pdf	https://files.consumerfinance.gov/f/documents/supplemental_report_060116.pdf	ADJ
fsr-4094	375	2	chatterjee	chatterjee	PROPN
fsr-4094	375	3	,	,	PUNCT
fsr-4094	375	4	s.	s.	PROPN
fsr-4094	375	5	,	,	PUNCT
fsr-4094	375	6	&	&	CCONJ
fsr-4094	375	7	chang	chang	PROPN
fsr-4094	375	8	,	,	PUNCT
fsr-4094	375	9	y.	y.	PROPN
fsr-4094	375	10	(	(	PUNCT
fsr-4094	375	11	2025	2025	NUM
fsr-4094	375	12	)	)	PUNCT
fsr-4094	375	13	.	.	PUNCT
fsr-4094	376	1	utilization	utilization	NOUN
fsr-4094	376	2	of	of	ADP
fsr-4094	376	3	alternative	alternative	ADJ
fsr-4094	376	4	financial	financial	ADJ
fsr-4094	376	5	services	service	NOUN
fsr-4094	376	6	and	and	CCONJ
fsr-4094	376	7	the	the	DET
fsr-4094	376	8	role	role	NOUN
fsr-4094	376	9	of	of	ADP
fsr-4094	376	10	financial	financial	ADJ
fsr-4094	376	11	capability	capability	NOUN
fsr-4094	376	12	.	.	PUNCT
fsr-4094	377	1	journal	journal	NOUN
fsr-4094	377	2	of	of	ADP
fsr-4094	377	3	consumer	consumer	NOUN
fsr-4094	377	4	affairs	affair	NOUN
fsr-4094	377	5	,	,	PUNCT
fsr-4094	377	6	59(1	59(1	NUM
fsr-4094	377	7	)	)	PUNCT
fsr-4094	377	8	,	,	PUNCT
fsr-4094	377	9	e12614	e12614	NOUN
fsr-4094	377	10	.	.	PUNCT
fsr-4094	377	11	coingecko	coingecko	PROPN
fsr-4094	377	12	.	.	PUNCT
fsr-4094	378	1	(	(	PUNCT
fsr-4094	378	2	2024	2024	NUM
fsr-4094	378	3	)	)	PUNCT
fsr-4094	378	4	.	.	PUNCT
fsr-4094	379	1	2024	2024	NUM
fsr-4094	379	2	q1	q1	PROPN
fsr-4094	379	3	crypto	crypto	NOUN
fsr-4094	379	4	industry	industry	NOUN
fsr-4094	379	5	report	report	NOUN
fsr-4094	379	6	.	.	PUNCT
fsr-4094	380	1	https://www.coingecko.com/research/publications/2024-q1-crypto-report	https://www.coingecko.com/research/publications/2024-q1-crypto-report	VERB
fsr-4094	380	2	coinsbee	coinsbee	ADJ
fsr-4094	380	3	.	.	PUNCT
fsr-4094	381	1	(	(	PUNCT
fsr-4094	381	2	2024	2024	NUM
fsr-4094	381	3	)	)	PUNCT
fsr-4094	381	4	.	.	PUNCT
fsr-4094	382	1	buy	buy	VERB
fsr-4094	382	2	gift	gift	NOUN
fsr-4094	382	3	cards	card	NOUN
fsr-4094	382	4	with	with	ADP
fsr-4094	382	5	crypto	crypto	NOUN
fsr-4094	382	6	.	.	PUNCT
fsr-4094	383	1	https://www.coinsbee.com/en/	https://www.coinsbee.com/en/	PROPN
fsr-4094	383	2	dlugosz	dlugosz	PROPN
fsr-4094	383	3	,	,	PUNCT
fsr-4094	383	4	j.	j.	PROPN
fsr-4094	383	5	,	,	PUNCT
fsr-4094	383	6	melzer	melzer	PROPN
fsr-4094	383	7	,	,	PUNCT
fsr-4094	383	8	b.	b.	PROPN
fsr-4094	383	9	,	,	PUNCT
fsr-4094	383	10	&	&	CCONJ
fsr-4094	383	11	morgan	morgan	PROPN
fsr-4094	383	12	,	,	PUNCT
fsr-4094	383	13	d.	d.	PROPN
fsr-4094	383	14	p.	p.	PROPN
fsr-4094	383	15	(	(	PUNCT
fsr-4094	383	16	2021	2021	NUM
fsr-4094	383	17	)	)	PUNCT
fsr-4094	383	18	.	.	PUNCT
fsr-4094	384	1	who	who	PRON
fsr-4094	384	2	pays	pay	VERB
fsr-4094	384	3	the	the	DET
fsr-4094	384	4	price	price	NOUN
fsr-4094	384	5	?	?	PUNCT
fsr-4094	384	6	overdraft	overdraft	NOUN
fsr-4094	384	7	fee	fee	NOUN
fsr-4094	384	8	ceilings	ceiling	NOUN
fsr-4094	384	9	and	and	CCONJ
fsr-4094	384	10	the	the	DET
fsr-4094	384	11	unbanked	unbanked	NOUN
fsr-4094	384	12	.	.	PUNCT
fsr-4094	385	1	frb	frb	NOUN
fsr-4094	385	2	of	of	ADP
fsr-4094	385	3	new	new	PROPN
fsr-4094	385	4	york	york	PROPN
fsr-4094	385	5	staff	staff	PROPN
fsr-4094	385	6	report	report	VERB
fsr-4094	385	7	973	973	NUM
fsr-4094	385	8	.	.	PUNCT
fsr-4094	386	1	federal	federal	PROPN
fsr-4094	386	2	reserve	reserve	PROPN
fsr-4094	386	3	bank	bank	PROPN
fsr-4094	386	4	of	of	ADP
fsr-4094	386	5	new	new	PROPN
fsr-4094	386	6	york	york	PROPN
fsr-4094	386	7	.	.	PUNCT
fsr-4094	387	1	https://papers.ssrn.com/sol3/papers.cfm	https://papers.ssrn.com/sol3/papers.cfm	PROPN
fsr-4094	387	2	?	?	PUNCT
fsr-4094	388	1	abstract_id=3876646	abstract_id=3876646	PROPN
fsr-4094	388	2	eun	eun	PROPN
fsr-4094	388	3	,	,	PUNCT
fsr-4094	388	4	j.	j.	PROPN
fsr-4094	388	5	k.	k.	PROPN
fsr-4094	388	6	,	,	PUNCT
fsr-4094	388	7	&	&	CCONJ
fsr-4094	388	8	grable	grable	PROPN
fsr-4094	388	9	,	,	PUNCT
fsr-4094	388	10	j.	j.	PROPN
fsr-4094	388	11	e.	e.	PROPN
fsr-4094	388	12	(	(	PUNCT
fsr-4094	388	13	2024	2024	NUM
fsr-4094	388	14	)	)	PUNCT
fsr-4094	388	15	.	.	PUNCT
fsr-4094	389	1	a	a	DET
fsr-4094	389	2	comparison	comparison	NOUN
fsr-4094	389	3	of	of	ADP
fsr-4094	389	4	financial	financial	ADJ
fsr-4094	389	5	risk	risk	NOUN
fsr-4094	389	6	-	-	PUNCT
fsr-4094	389	7	tolerance	tolerance	NOUN
fsr-4094	389	8	assessment	assessment	NOUN
fsr-4094	389	9	methods	method	NOUN
fsr-4094	389	10	in	in	ADP
fsr-4094	389	11	predicting	predict	VERB
fsr-4094	389	12	subsequent	subsequent	ADJ
fsr-4094	389	13	risk	risk	NOUN
fsr-4094	389	14	tolerance	tolerance	NOUN
fsr-4094	389	15	and	and	CCONJ
fsr-4094	389	16	future	future	ADJ
fsr-4094	389	17	portfolio	portfolio	NOUN
fsr-4094	389	18	choices	choice	NOUN
fsr-4094	389	19	.	.	PUNCT
fsr-4094	390	1	risks	risk	NOUN
fsr-4094	390	2	,	,	PUNCT
fsr-4094	390	3	12(11	12(11	NUM
fsr-4094	390	4	)	)	PUNCT
fsr-4094	390	5	,	,	PUNCT
fsr-4094	390	6	170	170	NUM
fsr-4094	390	7	.	.	PUNCT
fsr-4094	391	1	doi	doi	NOUN
fsr-4094	391	2	:	:	PUNCT
fsr-4094	391	3	10.3390	10.3390	NUM
fsr-4094	391	4	/	/	SYM
fsr-4094	391	5	risks12110170	risks12110170	PROPN
fsr-4094	391	6	https://doi.org/10.1080/23322039.2023.2239032	https://doi.org/10.1080/23322039.2023.2239032	PUNCT
fsr-4094	392	1	https://doi.org/10.1080/23322039.2023.2239032	https://doi.org/10.1080/23322039.2023.2239032	X
fsr-4094	393	1	https://doi.org/10.3390/jrfm16010003	https://doi.org/10.3390/jrfm16010003	PROPN
fsr-4094	393	2	https://doi.org/10.1080/10875549.2021.2010863	https://doi.org/10.1080/10875549.2021.2010863	PROPN
fsr-4094	394	1	https://doi.org/10.1080/10875549.2021.2010863	https://doi.org/10.1080/10875549.2021.2010863	PROPN
fsr-4094	394	2	https://doi.org/10.1007/s00181-020-01990-5	https://doi.org/10.1007/s00181-020-01990-5	NUM
fsr-4094	394	3	https://doi.org/10.1007/s00181-020-01990-5	https://doi.org/10.1007/s00181-020-01990-5	NUM
fsr-4094	394	4	https://businessreview.studentorg.berkeley.edu/bitcoin-atms-what-why-and-where/	https://businessreview.studentorg.berkeley.edu/bitcoin-atms-what-why-and-where/	PROPN
fsr-4094	394	5	https://businessreview.studentorg.berkeley.edu/bitcoin-atms-what-why-and-where/	https://businessreview.studentorg.berkeley.edu/bitcoin-atms-what-why-and-where/	PROPN
fsr-4094	394	6	https://businessreview.studentorg.berkeley.edu/bitcoin-atms-what-why-and-where/	https://businessreview.studentorg.berkeley.edu/bitcoin-atms-what-why-and-where/	PROPN
fsr-4094	394	7	https://www.brookings.edu/articles/debunking-the-narratives-about-cryptocurrency-and-financial-inclusion/	https://www.brookings.edu/articles/debunking-the-narratives-about-cryptocurrency-and-financial-inclusion/	PROPN
fsr-4094	394	8	https://www.brookings.edu/articles/debunking-the-narratives-about-cryptocurrency-and-financial-inclusion/	https://www.brookings.edu/articles/debunking-the-narratives-about-cryptocurrency-and-financial-inclusion/	PROPN
fsr-4094	394	9	https://www.brookings.edu/articles/debunking-the-narratives-about-cryptocurrency-and-financial-inclusion/	https://www.brookings.edu/articles/debunking-the-narratives-about-cryptocurrency-and-financial-inclusion/	PROPN
fsr-4094	394	10	https://www.coingecko.com/research/publications/2024-q1-crypto-report	https://www.coingecko.com/research/publications/2024-q1-crypto-report	PROPN
fsr-4094	394	11	https://www.coingecko.com/research/publications/2024-q1-crypto-report	https://www.coingecko.com/research/publications/2024-q1-crypto-report	X
fsr-4094	394	12	https://www.coingecko.com/research/publications/2024-q1-crypto-report	https://www.coingecko.com/research/publications/2024-q1-crypto-report	PROPN
fsr-4094	394	13	https://www.coinsbee.com/en/	https://www.coinsbee.com/en/	PROPN
fsr-4094	394	14	https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3876646	https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3876646	PROPN
fsr-4094	394	15	https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3876646	https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3876646	PROPN
fsr-4094	394	16	financial	financial	ADJ
fsr-4094	394	17	services	service	NOUN
fsr-4094	394	18	review	review	NOUN
fsr-4094	394	19	,	,	PUNCT
fsr-4094	394	20	33(2	33(2	NUM
fsr-4094	394	21	)	)	PUNCT
fsr-4094	394	22	140	140	NUM
fsr-4094	394	23	fan	fan	NOUN
fsr-4094	394	24	,	,	PUNCT
fsr-4094	394	25	l.	l.	PROPN
fsr-4094	394	26	,	,	PUNCT
fsr-4094	394	27	green	green	PROPN
fsr-4094	394	28	,	,	PUNCT
fsr-4094	394	29	l.	l.	PROPN
fsr-4094	394	30	,	,	PUNCT
fsr-4094	394	31	&	&	CCONJ
fsr-4094	394	32	park	park	PROPN
fsr-4094	394	33	,	,	PUNCT
fsr-4094	394	34	n.	n.	PROPN
fsr-4094	394	35	(	(	PUNCT
fsr-4094	394	36	2024	2024	NUM
fsr-4094	394	37	)	)	PUNCT
fsr-4094	394	38	.	.	PUNCT
fsr-4094	395	1	financial	financial	ADJ
fsr-4094	395	2	stressors	stressor	NOUN
fsr-4094	395	3	and	and	CCONJ
fsr-4094	395	4	alternative	alternative	ADJ
fsr-4094	395	5	financial	financial	ADJ
fsr-4094	395	6	service	service	NOUN
fsr-4094	395	7	use	use	NOUN
fsr-4094	395	8	:	:	PUNCT
fsr-4094	395	9	extending	extend	VERB
fsr-4094	395	10	the	the	DET
fsr-4094	395	11	abc	abc	PROPN
fsr-4094	395	12	-	-	PUNCT
fsr-4094	395	13	x	x	ADJ
fsr-4094	395	14	model	model	NOUN
fsr-4094	395	15	of	of	ADP
fsr-4094	395	16	family	family	NOUN
fsr-4094	395	17	stress	stress	NOUN
fsr-4094	395	18	.	.	PUNCT
fsr-4094	396	1	international	international	ADJ
fsr-4094	396	2	journal	journal	PROPN
fsr-4094	396	3	of	of	ADP
fsr-4094	396	4	consumer	consumer	NOUN
fsr-4094	396	5	studies	study	NOUN
fsr-4094	396	6	,	,	PUNCT
fsr-4094	396	7	48(1	48(1	NOUN
fsr-4094	396	8	)	)	PUNCT
fsr-4094	396	9	,	,	PUNCT
fsr-4094	396	10	1–15	1–15	NUM
fsr-4094	396	11	.	.	PUNCT
fsr-4094	396	12	https://doi.org/10.1111/ijcs.13002	https://doi.org/10.1111/ijcs.13002	ADJ
fsr-4094	396	13	federal	federal	ADJ
fsr-4094	396	14	deposit	deposit	NOUN
fsr-4094	396	15	insurance	insurance	NOUN
fsr-4094	396	16	corporation	corporation	NOUN
fsr-4094	396	17	.	.	PUNCT
fsr-4094	397	1	(	(	PUNCT
fsr-4094	397	2	2021	2021	NUM
fsr-4094	397	3	)	)	PUNCT
fsr-4094	397	4	.	.	PUNCT
fsr-4094	398	1	fdic	fdic	PROPN
fsr-4094	398	2	national	national	PROPN
fsr-4094	398	3	survey	survey	NOUN
fsr-4094	398	4	of	of	ADP
fsr-4094	398	5	unbanked	unbanked	ADJ
fsr-4094	398	6	and	and	CCONJ
fsr-4094	398	7	underbanked	underbanked	ADJ
fsr-4094	398	8	households	household	NOUN
fsr-4094	398	9	.	.	PUNCT
fsr-4094	399	1	https://www.fdic.gov/analysis/household-survey/2021report.pdf	https://www.fdic.gov/analysis/household-survey/2021report.pdf	PROPN
fsr-4094	399	2	board	board	NOUN
fsr-4094	399	3	of	of	ADP
fsr-4094	399	4	governors	governor	NOUN
fsr-4094	399	5	of	of	ADP
fsr-4094	399	6	the	the	DET
fsr-4094	399	7	federal	federal	PROPN
fsr-4094	399	8	reserve	reserve	PROPN
fsr-4094	399	9	system	system	NOUN
fsr-4094	399	10	.	.	PUNCT
fsr-4094	400	1	(	(	PUNCT
fsr-4094	400	2	2022	2022	NUM
fsr-4094	400	3	)	)	PUNCT
fsr-4094	400	4	.	.	PUNCT
fsr-4094	401	1	survey	survey	NOUN
fsr-4094	401	2	of	of	ADP
fsr-4094	401	3	household	household	NOUN
fsr-4094	401	4	economics	economic	NOUN
fsr-4094	401	5	and	and	CCONJ
fsr-4094	401	6	decisionmaking	decisionmake	VERB
fsr-4094	401	7	.	.	PUNCT
fsr-4094	402	1	federal	federal	PROPN
fsr-4094	402	2	reserve	reserve	PROPN
fsr-4094	402	3	.	.	PUNCT
fsr-4094	403	1	https://www.federalreserve.gov/consum	https://www.federalreserve.gov/consum	PROPN
fsr-4094	403	2	erscommunities	erscommunitie	NOUN
fsr-4094	403	3	/	/	SYM
fsr-4094	403	4	shed.htm	shed.htm	X
fsr-4094	403	5	giudici	giudici	NOUN
fsr-4094	403	6	,	,	PUNCT
fsr-4094	403	7	g.	g.	PROPN
fsr-4094	403	8	,	,	PUNCT
fsr-4094	403	9	milne	milne	PROPN
fsr-4094	403	10	,	,	PUNCT
fsr-4094	403	11	a.	a.	PROPN
fsr-4094	403	12	,	,	PUNCT
fsr-4094	403	13	&	&	CCONJ
fsr-4094	403	14	vinogradov	vinogradov	PROPN
fsr-4094	403	15	,	,	PUNCT
fsr-4094	403	16	d.	d.	PROPN
fsr-4094	403	17	(	(	PUNCT
fsr-4094	403	18	2020	2020	NUM
fsr-4094	403	19	)	)	PUNCT
fsr-4094	403	20	.	.	PUNCT
fsr-4094	404	1	cryptocurrencies	cryptocurrencie	NOUN
fsr-4094	404	2	:	:	PUNCT
fsr-4094	404	3	market	market	NOUN
fsr-4094	404	4	analysis	analysis	NOUN
fsr-4094	404	5	and	and	CCONJ
fsr-4094	404	6	perspectives	perspective	NOUN
fsr-4094	404	7	.	.	PUNCT
fsr-4094	405	1	journal	journal	PROPN
fsr-4094	405	2	of	of	ADP
fsr-4094	405	3	industrial	industrial	ADJ
fsr-4094	405	4	and	and	CCONJ
fsr-4094	405	5	business	business	NOUN
fsr-4094	405	6	economics	economic	NOUN
fsr-4094	405	7	,	,	PUNCT
fsr-4094	405	8	47	47	NUM
fsr-4094	405	9	,	,	PUNCT
fsr-4094	405	10	1–18	1–18	NUM
fsr-4094	405	11	.	.	PUNCT
fsr-4094	406	1	https://doi.org/10.1007/s40812-01900138-6	https://doi.org/10.1007/s40812-01900138-6	PROPN
fsr-4094	406	2	guillemette	guillemette	NOUN
fsr-4094	406	3	,	,	PUNCT
fsr-4094	406	4	m.	m.	NOUN
fsr-4094	406	5	,	,	PUNCT
fsr-4094	406	6	&	&	CCONJ
fsr-4094	406	7	finke	finke	PROPN
fsr-4094	406	8	,	,	PUNCT
fsr-4094	406	9	m.	m.	NOUN
fsr-4094	406	10	(	(	PUNCT
fsr-4094	406	11	2014	2014	NUM
fsr-4094	406	12	)	)	PUNCT
fsr-4094	406	13	.	.	PUNCT
fsr-4094	407	1	do	do	AUX
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fsr-4094	407	4	in	in	ADP
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fsr-4094	407	6	values	value	NOUN
fsr-4094	407	7	change	change	VERB
fsr-4094	407	8	risk	risk	NOUN
fsr-4094	407	9	tolerance	tolerance	NOUN
fsr-4094	407	10	?	?	PUNCT
fsr-4094	408	1	journal	journal	NOUN
fsr-4094	408	2	of	of	ADP
fsr-4094	408	3	financial	financial	ADJ
fsr-4094	408	4	planning	planning	NOUN
fsr-4094	408	5	,	,	PUNCT
fsr-4094	408	6	27(6	27(6	NUM
fsr-4094	408	7	)	)	PUNCT
fsr-4094	408	8	,	,	PUNCT
fsr-4094	408	9	44	44	NUM
fsr-4094	408	10	.	.	PUNCT
fsr-4094	409	1	https://www.proquest.com/trade-journals/do-large-swings-equity-valueschange-risk/docview/1535617637/se2?accountid=14968	https://www.proquest.com/trade-journals/do-large-swings-equity-valueschange-risk/docview/1535617637/se2?accountid=14968	X
fsr-4094	410	1	houy	houy	ADV
fsr-4094	410	2	,	,	PUNCT
fsr-4094	410	3	s.	s.	PROPN
fsr-4094	410	4	,	,	PUNCT
fsr-4094	410	5	schmid	schmid	PROPN
fsr-4094	410	6	,	,	PUNCT
fsr-4094	410	7	p.	p.	PROPN
fsr-4094	410	8	,	,	PUNCT
fsr-4094	410	9	&	&	CCONJ
fsr-4094	410	10	bartel	bartel	PROPN
fsr-4094	410	11	,	,	PUNCT
fsr-4094	410	12	a.	a.	NOUN
fsr-4094	410	13	(	(	PUNCT
fsr-4094	410	14	2024	2024	NUM
fsr-4094	410	15	)	)	PUNCT
fsr-4094	410	16	.	.	PUNCT
fsr-4094	411	1	security	security	NOUN
fsr-4094	411	2	aspects	aspect	NOUN
fsr-4094	411	3	of	of	ADP
fsr-4094	411	4	cryptocurrency	cryptocurrency	NOUN
fsr-4094	411	5	wallets	wallet	NOUN
fsr-4094	411	6	:	:	PUNCT
fsr-4094	411	7	a	a	DET
fsr-4094	411	8	systematic	systematic	ADJ
fsr-4094	411	9	literature	literature	PROPN
fsr-4094	411	10	review	review	PROPN
fsr-4094	411	11	.	.	PUNCT
fsr-4094	412	1	acm	acm	PROPN
fsr-4094	412	2	computing	computing	NOUN
fsr-4094	412	3	surveys	survey	NOUN
fsr-4094	412	4	,	,	PUNCT
fsr-4094	412	5	56(1	56(1	NUM
fsr-4094	412	6	)	)	PUNCT
fsr-4094	412	7	,	,	PUNCT
fsr-4094	412	8	1–31	1–31	PROPN
fsr-4094	412	9	.	.	PUNCT
fsr-4094	413	1	https://doi.org/10.1145/3596906	https://doi.org/10.1145/3596906	PRON
fsr-4094	413	2	kim	kim	PROPN
fsr-4094	413	3	,	,	PUNCT
fsr-4094	413	4	k.	k.	PROPN
fsr-4094	413	5	t.	t.	PROPN
fsr-4094	413	6	,	,	PUNCT
fsr-4094	413	7	hanna	hanna	PROPN
fsr-4094	413	8	,	,	PUNCT
fsr-4094	413	9	s.	s.	PROPN
fsr-4094	413	10	d.	d.	PROPN
fsr-4094	413	11	,	,	PUNCT
fsr-4094	413	12	&	&	CCONJ
fsr-4094	413	13	lee	lee	PROPN
fsr-4094	413	14	,	,	PUNCT
fsr-4094	413	15	s.	s.	PROPN
fsr-4094	413	16	t.	t.	PROPN
fsr-4094	413	17	(	(	PUNCT
fsr-4094	413	18	2023	2023	NUM
fsr-4094	413	19	)	)	PUNCT
fsr-4094	413	20	.	.	PUNCT
fsr-4094	414	1	investment	investment	NOUN
fsr-4094	414	2	literacy	literacy	NOUN
fsr-4094	414	3	,	,	PUNCT
fsr-4094	414	4	overconfidence	overconfidence	NOUN
fsr-4094	414	5	,	,	PUNCT
fsr-4094	414	6	and	and	CCONJ
fsr-4094	414	7	cryptocurrency	cryptocurrency	NOUN
fsr-4094	414	8	investment	investment	NOUN
fsr-4094	414	9	.	.	PUNCT
fsr-4094	415	1	financial	financial	ADJ
fsr-4094	415	2	services	services	PROPN
fsr-4094	415	3	review	review	NOUN
fsr-4094	415	4	,	,	PUNCT
fsr-4094	415	5	31(2/3	31(2/3	NUM
fsr-4094	415	6	)	)	PUNCT
fsr-4094	415	7	,	,	PUNCT
fsr-4094	415	8	121–132	121–132	NUM
fsr-4094	415	9	.	.	PUNCT
fsr-4094	416	1	https://doi.org/10.61190/fsr.v31i2/3.353	https://doi.org/10.61190/fsr.v31i2/3.353	PROPN
fsr-4094	416	2	0	0	NUM
fsr-4094	416	3	kumari	kumari	PROPN
fsr-4094	416	4	,	,	PUNCT
fsr-4094	416	5	d.	d.	PROPN
fsr-4094	416	6	a.	a.	PROPN
fsr-4094	416	7	t.	t.	PROPN
fsr-4094	416	8	(	(	PUNCT
fsr-4094	416	9	2020	2020	NUM
fsr-4094	416	10	)	)	PUNCT
fsr-4094	416	11	.	.	PUNCT
fsr-4094	417	1	the	the	DET
fsr-4094	417	2	impact	impact	NOUN
fsr-4094	417	3	of	of	ADP
fsr-4094	417	4	financial	financial	ADJ
fsr-4094	417	5	literacy	literacy	NOUN
fsr-4094	417	6	on	on	ADP
fsr-4094	417	7	investment	investment	NOUN
fsr-4094	417	8	decisions	decision	NOUN
fsr-4094	417	9	:	:	PUNCT
fsr-4094	417	10	with	with	ADP
fsr-4094	417	11	special	special	ADJ
fsr-4094	417	12	reference	reference	NOUN
fsr-4094	417	13	to	to	ADP
fsr-4094	417	14	undergraduates	undergraduate	NOUN
fsr-4094	417	15	in	in	ADP
fsr-4094	417	16	the	the	DET
fsr-4094	417	17	western	western	ADJ
fsr-4094	417	18	province	province	NOUN
fsr-4094	417	19	,	,	PUNCT
fsr-4094	417	20	sri	sri	PROPN
fsr-4094	417	21	lanka	lanka	PROPN
fsr-4094	417	22	.	.	PUNCT
fsr-4094	418	1	asian	asian	PROPN
fsr-4094	418	2	journal	journal	PROPN
fsr-4094	418	3	of	of	ADP
fsr-4094	418	4	contemporary	contemporary	ADJ
fsr-4094	418	5	education	education	NOUN
fsr-4094	418	6	,	,	PUNCT
fsr-4094	418	7	4(2	4(2	NUM
fsr-4094	418	8	)	)	PUNCT
fsr-4094	418	9	,	,	PUNCT
fsr-4094	418	10	110–126	110–126	NUM
fsr-4094	418	11	.	.	PUNCT
fsr-4094	419	1	https://doi.org/10.18488/journal.137.2020.42.110.126	https://doi.org/10.18488/journal.137.2020.42.110.126	PROPN
fsr-4094	419	2	lee	lee	PROPN
fsr-4094	419	3	,	,	PUNCT
fsr-4094	419	4	k.	k.	PROPN
fsr-4094	419	5	,	,	PUNCT
fsr-4094	419	6	&	&	CCONJ
fsr-4094	419	7	jeong	jeong	PROPN
fsr-4094	419	8	,	,	PUNCT
fsr-4094	419	9	d.	d.	PROPN
fsr-4094	419	10	(	(	PUNCT
fsr-4094	419	11	2023	2023	NUM
fsr-4094	419	12	)	)	PUNCT
fsr-4094	419	13	.	.	PUNCT
fsr-4094	420	1	too	too	ADV
fsr-4094	420	2	much	much	ADV
fsr-4094	420	3	is	be	AUX
fsr-4094	420	4	too	too	ADV
fsr-4094	420	5	bad	bad	ADJ
fsr-4094	420	6	:	:	PUNCT
fsr-4094	420	7	the	the	DET
fsr-4094	420	8	effect	effect	NOUN
fsr-4094	420	9	of	of	ADP
fsr-4094	420	10	media	medium	NOUN
fsr-4094	420	11	coverage	coverage	NOUN
fsr-4094	420	12	on	on	ADP
fsr-4094	420	13	the	the	DET
fsr-4094	420	14	price	price	NOUN
fsr-4094	420	15	volatility	volatility	NOUN
fsr-4094	420	16	of	of	ADP
fsr-4094	420	17	cryptocurrencies	cryptocurrencie	NOUN
fsr-4094	420	18	.	.	PUNCT
fsr-4094	421	1	journal	journal	NOUN
fsr-4094	421	2	of	of	ADP
fsr-4094	421	3	international	international	ADJ
fsr-4094	421	4	money	money	NOUN
fsr-4094	421	5	and	and	CCONJ
fsr-4094	421	6	finance	finance	NOUN
fsr-4094	421	7	,	,	PUNCT
fsr-4094	421	8	133	133	NUM
fsr-4094	421	9	,	,	PUNCT
fsr-4094	421	10	n	n	CCONJ
fsr-4094	421	11	/	/	SYM
fsr-4094	421	12	a.	a.	NOUN
fsr-4094	421	13	liu	liu	PROPN
fsr-4094	421	14	,	,	PUNCT
fsr-4094	421	15	y.	y.	PROPN
fsr-4094	421	16	,	,	PUNCT
fsr-4094	421	17	tsyvinski	tsyvinski	PROPN
fsr-4094	421	18	,	,	PUNCT
fsr-4094	421	19	a.	a.	PROPN
fsr-4094	421	20	,	,	PUNCT
fsr-4094	421	21	&	&	CCONJ
fsr-4094	421	22	wu	wu	PROPN
fsr-4094	421	23	,	,	PUNCT
fsr-4094	421	24	x.	x.	NOUN
fsr-4094	421	25	(	(	PUNCT
fsr-4094	421	26	2022	2022	NUM
fsr-4094	421	27	)	)	PUNCT
fsr-4094	421	28	.	.	PUNCT
fsr-4094	422	1	common	common	ADJ
fsr-4094	422	2	risk	risk	NOUN
fsr-4094	422	3	factors	factor	NOUN
fsr-4094	422	4	in	in	ADP
fsr-4094	422	5	cryptocurrency	cryptocurrency	NOUN
fsr-4094	422	6	.	.	PUNCT
fsr-4094	423	1	the	the	DET
fsr-4094	423	2	journal	journal	PROPN
fsr-4094	423	3	of	of	ADP
fsr-4094	423	4	finance	finance	NOUN
fsr-4094	423	5	,	,	PUNCT
fsr-4094	423	6	77(2	77(2	NOUN
fsr-4094	423	7	)	)	PUNCT
fsr-4094	423	8	,	,	PUNCT
fsr-4094	423	9	1133	1133	NUM
fsr-4094	423	10	–	–	PUNCT
fsr-4094	423	11	1177	1177	NUM
fsr-4094	423	12	.	.	PUNCT
fsr-4094	424	1	https://doi.org/10.1111/jofi.13119	https://doi.org/10.1111/jofi.13119	PROPN
fsr-4094	424	2	lusardi	lusardi	PROPN
fsr-4094	424	3	,	,	PUNCT
fsr-4094	424	4	a.	a.	PROPN
fsr-4094	424	5	,	,	PUNCT
fsr-4094	424	6	&	&	CCONJ
fsr-4094	424	7	mitchell	mitchell	PROPN
fsr-4094	424	8	,	,	PUNCT
fsr-4094	424	9	o.	o.	PROPN
fsr-4094	424	10	s.	s.	PROPN
fsr-4094	424	11	(	(	PUNCT
fsr-4094	424	12	2014	2014	NUM
fsr-4094	424	13	)	)	PUNCT
fsr-4094	424	14	.	.	PUNCT
fsr-4094	425	1	the	the	DET
fsr-4094	425	2	economic	economic	ADJ
fsr-4094	425	3	importance	importance	NOUN
fsr-4094	425	4	of	of	ADP
fsr-4094	425	5	financial	financial	ADJ
fsr-4094	425	6	literacy	literacy	NOUN
fsr-4094	425	7	:	:	PUNCT
fsr-4094	425	8	theory	theory	NOUN
fsr-4094	425	9	and	and	CCONJ
fsr-4094	425	10	evidence	evidence	NOUN
fsr-4094	425	11	.	.	PUNCT
fsr-4094	426	1	journal	journal	NOUN
fsr-4094	426	2	of	of	ADP
fsr-4094	426	3	economic	economic	ADJ
fsr-4094	426	4	literature	literature	NOUN
fsr-4094	426	5	,	,	PUNCT
fsr-4094	426	6	52(1	52(1	NOUN
fsr-4094	426	7	)	)	PUNCT
fsr-4094	426	8	,	,	PUNCT
fsr-4094	426	9	5–44	5–44	PROPN
fsr-4094	426	10	.	.	PUNCT
fsr-4094	426	11	omane	omane	PROPN
fsr-4094	426	12	-	-	PUNCT
fsr-4094	426	13	adjepong	adjepong	NOUN
fsr-4094	426	14	,	,	PUNCT
fsr-4094	426	15	m.	m.	NOUN
fsr-4094	426	16	,	,	PUNCT
fsr-4094	426	17	alagidede	alagidede	NOUN
fsr-4094	426	18	,	,	PUNCT
fsr-4094	426	19	i.	i.	PROPN
fsr-4094	426	20	p.	p.	PROPN
fsr-4094	426	21	,	,	PUNCT
fsr-4094	426	22	lyimo	lyimo	ADJ
fsr-4094	426	23	,	,	PUNCT
fsr-4094	426	24	a.	a.	NOUN
fsr-4094	426	25	g.	g.	PROPN
fsr-4094	426	26	,	,	PUNCT
fsr-4094	426	27	&	&	CCONJ
fsr-4094	426	28	tweneboah	tweneboah	PROPN
fsr-4094	426	29	,	,	PUNCT
fsr-4094	426	30	g.	g.	PROPN
fsr-4094	426	31	(	(	PUNCT
fsr-4094	426	32	2021	2021	NUM
fsr-4094	426	33	)	)	PUNCT
fsr-4094	426	34	.	.	PUNCT
fsr-4094	427	1	herding	herd	VERB
fsr-4094	427	2	behaviour	behaviour	NOUN
fsr-4094	427	3	in	in	ADP
fsr-4094	427	4	cryptocurrency	cryptocurrency	NOUN
fsr-4094	427	5	and	and	CCONJ
fsr-4094	427	6	emerging	emerge	VERB
fsr-4094	427	7	financial	financial	ADJ
fsr-4094	427	8	markets	market	NOUN
fsr-4094	427	9	.	.	PUNCT
fsr-4094	428	1	cogent	cogent	NOUN
fsr-4094	428	2	economics	economic	NOUN
fsr-4094	428	3	&	&	CCONJ
fsr-4094	428	4	finance	finance	PROPN
fsr-4094	428	5	,	,	PUNCT
fsr-4094	428	6	9(1	9(1	NUM
fsr-4094	428	7	)	)	PUNCT
fsr-4094	428	8	,	,	PUNCT
fsr-4094	428	9	1–14	1–14	PROPN
fsr-4094	428	10	.	.	PUNCT
fsr-4094	428	11	https://doi.org/10.1080/23322039.2021	https://doi.org/10.1080/23322039.2021	PROPN
fsr-4094	428	12	.	.	PROPN
fsr-4094	428	13	1933681	1933681	NUM
fsr-4094	428	14	omanovic	omanovic	ADJ
fsr-4094	428	15	,	,	PUNCT
fsr-4094	428	16	a.	a.	NOUN
fsr-4094	428	17	,	,	PUNCT
fsr-4094	428	18	&	&	CCONJ
fsr-4094	428	19	zaimovic	zaimovic	NOUN
fsr-4094	428	20	,	,	PUNCT
fsr-4094	428	21	a.	a.	NOUN
fsr-4094	428	22	(	(	PUNCT
fsr-4094	428	23	2024	2024	NUM
fsr-4094	428	24	)	)	PUNCT
fsr-4094	428	25	.	.	PUNCT
fsr-4094	429	1	the	the	DET
fsr-4094	429	2	determinants	determinant	NOUN
fsr-4094	429	3	of	of	ADP
fsr-4094	429	4	financial	financial	ADJ
fsr-4094	429	5	risk	risk	NOUN
fsr-4094	429	6	tolerance	tolerance	NOUN
fsr-4094	429	7	and	and	CCONJ
fsr-4094	429	8	portfolio	portfolio	NOUN
fsr-4094	429	9	allocation	allocation	NOUN
fsr-4094	429	10	:	:	PUNCT
fsr-4094	429	11	have	have	VERB
fsr-4094	429	12	the	the	DET
fsr-4094	429	13	covid-19	covid-19	PROPN
fsr-4094	429	14	pandemic	pandemic	NOUN
fsr-4094	429	15	and	and	CCONJ
fsr-4094	429	16	the	the	DET
fsr-4094	429	17	ukraine	ukraine	PROPN
fsr-4094	429	18	war	war	NOUN
fsr-4094	429	19	affected	affect	VERB
fsr-4094	429	20	our	our	PRON
fsr-4094	429	21	risk	risk	NOUN
fsr-4094	429	22	tolerance	tolerance	NOUN
fsr-4094	429	23	?	?	PUNCT
fsr-4094	430	1	borsa	borsa	PROPN
fsr-4094	430	2	istanbul	istanbul	PROPN
fsr-4094	430	3	review	review	PROPN
fsr-4094	430	4	,	,	PUNCT
fsr-4094	430	5	24(6	24(6	NUM
fsr-4094	430	6	)	)	PUNCT
fsr-4094	430	7	,	,	PUNCT
fsr-4094	430	8	1381	1381	NUM
fsr-4094	430	9	-	-	SYM
fsr-4094	430	10	1392	1392	NUM
fsr-4094	430	11	.	.	PUNCT
fsr-4094	431	1	doi	doi	NOUN
fsr-4094	431	2	:	:	PUNCT
fsr-4094	431	3	10.1016	10.1016	NUM
fsr-4094	431	4	/	/	SYM
fsr-4094	431	5	j.bir.2024.11.001	j.bir.2024.11.001	PROPN
fsr-4094	431	6	ouachani	ouachani	PROPN
fsr-4094	431	7	,	,	PUNCT
fsr-4094	431	8	s.	s.	PROPN
fsr-4094	431	9	,	,	PUNCT
fsr-4094	431	10	belhassine	belhassine	PROPN
fsr-4094	431	11	,	,	PUNCT
fsr-4094	431	12	o.	o.	PROPN
fsr-4094	431	13	,	,	PUNCT
fsr-4094	431	14	&	&	CCONJ
fsr-4094	431	15	kammoun	kammoun	PROPN
fsr-4094	431	16	,	,	PUNCT
fsr-4094	431	17	a.	a.	NOUN
fsr-4094	431	18	(	(	PUNCT
fsr-4094	431	19	2021	2021	NUM
fsr-4094	431	20	)	)	PUNCT
fsr-4094	431	21	.	.	PUNCT
fsr-4094	432	1	measuring	measure	VERB
fsr-4094	432	2	financial	financial	ADJ
fsr-4094	432	3	literacy	literacy	NOUN
fsr-4094	432	4	:	:	PUNCT
fsr-4094	432	5	a	a	DET
fsr-4094	432	6	literature	literature	NOUN
fsr-4094	432	7	review	review	NOUN
fsr-4094	432	8	.	.	PUNCT
fsr-4094	433	1	managerial	managerial	ADJ
fsr-4094	433	2	finance	finance	PROPN
fsr-4094	433	3	,	,	PUNCT
fsr-4094	433	4	47(2	47(2	PROPN
fsr-4094	433	5	)	)	PUNCT
fsr-4094	433	6	,	,	PUNCT
fsr-4094	433	7	266	266	NUM
fsr-4094	433	8	-	-	SYM
fsr-4094	433	9	281	281	NUM
fsr-4094	433	10	.	.	PUNCT
fsr-4094	434	1	doi	doi	NOUN
fsr-4094	434	2	:	:	PUNCT
fsr-4094	434	3	10.1108	10.1108	NUM
fsr-4094	434	4	/	/	SYM
fsr-4094	434	5	mf-042019	mf-042019	PROPN
fsr-4094	434	6	-	-	PUNCT
fsr-4094	434	7	0175	0175	NUM
fsr-4094	434	8	paraboni	paraboni	NOUN
fsr-4094	434	9	,	,	PUNCT
fsr-4094	434	10	a.	a.	PROPN
fsr-4094	434	11	l.	l.	PROPN
fsr-4094	434	12	,	,	PUNCT
fsr-4094	434	13	&	&	CCONJ
fsr-4094	434	14	da	da	PROPN
fsr-4094	434	15	costa	costa	PROPN
fsr-4094	434	16	,	,	PUNCT
fsr-4094	434	17	n.	n.	NOUN
fsr-4094	434	18	(	(	PUNCT
fsr-4094	434	19	2021	2021	NUM
fsr-4094	434	20	)	)	PUNCT
fsr-4094	434	21	.	.	PUNCT
fsr-4094	435	1	improving	improve	VERB
fsr-4094	435	2	the	the	DET
fsr-4094	435	3	level	level	NOUN
fsr-4094	435	4	of	of	ADP
fsr-4094	435	5	financial	financial	ADJ
fsr-4094	435	6	literacy	literacy	NOUN
fsr-4094	435	7	and	and	CCONJ
fsr-4094	435	8	the	the	DET
fsr-4094	435	9	influence	influence	NOUN
fsr-4094	435	10	of	of	ADP
fsr-4094	435	11	cognitive	cognitive	ADJ
fsr-4094	435	12	ability	ability	NOUN
fsr-4094	435	13	in	in	ADP
fsr-4094	435	14	this	this	DET
fsr-4094	435	15	process	process	NOUN
fsr-4094	435	16	.	.	PUNCT
fsr-4094	436	1	journal	journal	NOUN
fsr-4094	436	2	of	of	ADP
fsr-4094	436	3	behavioral	behavioral	ADJ
fsr-4094	436	4	and	and	CCONJ
fsr-4094	436	5	experimental	experimental	ADJ
fsr-4094	436	6	economics	economic	NOUN
fsr-4094	436	7	,	,	PUNCT
fsr-4094	436	8	90	90	NUM
fsr-4094	436	9	,	,	PUNCT
fsr-4094	436	10	101656	101656	NUM
fsr-4094	436	11	.	.	PUNCT
fsr-4094	437	1	https://doi.org/10.1016/j.socec.2020.101	https://doi.org/10.1016/j.socec.2020.101	PROPN
fsr-4094	437	2	656	656	NUM
fsr-4094	437	3	prager	prager	NOUN
fsr-4094	437	4	,	,	PUNCT
fsr-4094	437	5	r.	r.	PROPN
fsr-4094	437	6	a.	a.	PROPN
fsr-4094	438	1	(	(	PUNCT
fsr-4094	438	2	2014	2014	NUM
fsr-4094	438	3	)	)	PUNCT
fsr-4094	438	4	.	.	PUNCT
fsr-4094	439	1	determinants	determinant	NOUN
fsr-4094	439	2	of	of	ADP
fsr-4094	439	3	the	the	DET
fsr-4094	439	4	locations	location	NOUN
fsr-4094	439	5	of	of	ADP
fsr-4094	439	6	alternative	alternative	ADJ
fsr-4094	439	7	financial	financial	ADJ
fsr-4094	439	8	service	service	NOUN
fsr-4094	439	9	providers	provider	NOUN
fsr-4094	439	10	.	.	PUNCT
fsr-4094	440	1	review	review	NOUN
fsr-4094	440	2	of	of	ADP
fsr-4094	440	3	industrial	industrial	ADJ
fsr-4094	440	4	organization	organization	NOUN
fsr-4094	440	5	,	,	PUNCT
fsr-4094	440	6	45(1	45(1	NOUN
fsr-4094	440	7	)	)	PUNCT
fsr-4094	440	8	,	,	PUNCT
fsr-4094	440	9	21–38	21–38	NUM
fsr-4094	440	10	.	.	PUNCT
fsr-4094	440	11	https://doi.org/10.1111/ijcs.13002	https://doi.org/10.1111/ijcs.13002	NOUN
fsr-4094	440	12	https://www.fdic.gov/analysis/household-survey/2021report.pdf	https://www.fdic.gov/analysis/household-survey/2021report.pdf	PROPN
fsr-4094	440	13	https://www.fdic.gov/analysis/household-survey/2021report.pdf	https://www.fdic.gov/analysis/household-survey/2021report.pdf	PROPN
fsr-4094	440	14	https://www.federalreserve.gov/consumerscommunities/shed.htm	https://www.federalreserve.gov/consumerscommunities/shed.htm	PROPN
fsr-4094	440	15	https://www.federalreserve.gov/consumerscommunities/shed.htm	https://www.federalreserve.gov/consumerscommunities/shed.htm	PROPN
fsr-4094	440	16	https://doi.org/10.1007/s40812-019-00138-6	https://doi.org/10.1007/s40812-019-00138-6	NUM
fsr-4094	440	17	https://doi.org/10.1007/s40812-019-00138-6	https://doi.org/10.1007/s40812-019-00138-6	NUM
fsr-4094	440	18	https://www.proquest.com/trade-journals/do-large-swings-equity-values-change-risk/docview/1535617637/se-2?accountid=14968	https://www.proquest.com/trade-journals/do-large-swings-equity-values-change-risk/docview/1535617637/se-2?accountid=14968	PROPN
fsr-4094	440	19	https://www.proquest.com/trade-journals/do-large-swings-equity-values-change-risk/docview/1535617637/se-2?accountid=14968	https://www.proquest.com/trade-journals/do-large-swings-equity-values-change-risk/docview/1535617637/se-2?accountid=14968	PROPN
fsr-4094	440	20	https://www.proquest.com/trade-journals/do-large-swings-equity-values-change-risk/docview/1535617637/se-2?accountid=14968	https://www.proquest.com/trade-journals/do-large-swings-equity-values-change-risk/docview/1535617637/se-2?accountid=14968	PROPN
fsr-4094	440	21	https://www.proquest.com/trade-journals/do-large-swings-equity-values-change-risk/docview/1535617637/se-2?accountid=14968	https://www.proquest.com/trade-journals/do-large-swings-equity-values-change-risk/docview/1535617637/se-2?accountid=14968	X
fsr-4094	440	22	https://doi.org/10.1145/3596906	https://doi.org/10.1145/3596906	X
fsr-4094	440	23	https://doi.org/10.61190/fsr.v31i2/3.3530	https://doi.org/10.61190/fsr.v31i2/3.3530	PUNCT
fsr-4094	440	24	https://doi.org/10.61190/fsr.v31i2/3.3530	https://doi.org/10.61190/fsr.v31i2/3.3530	PROPN
fsr-4094	440	25	https://doi.org/10.18488/journal.137.2020.42.110.126	https://doi.org/10.18488/journal.137.2020.42.110.126	NOUN
fsr-4094	440	26	https://doi.org/10.18488/journal.137.2020.42.110.126	https://doi.org/10.18488/journal.137.2020.42.110.126	NOUN
fsr-4094	440	27	https://doi.org/10.1111/jofi.13119	https://doi.org/10.1111/jofi.13119	NOUN
fsr-4094	440	28	https://doi.org/10.1080/23322039.2021.1933681	https://doi.org/10.1080/23322039.2021.1933681	NOUN
fsr-4094	440	29	https://doi.org/10.1080/23322039.2021.1933681	https://doi.org/10.1080/23322039.2021.1933681	PUNCT
fsr-4094	441	1	https://doi.org/10.1016/j.socec.2020.101656	https://doi.org/10.1016/j.socec.2020.101656	ADJ
fsr-4094	441	2	https://doi.org/10.1016/j.socec.2020.101656	https://doi.org/10.1016/j.socec.2020.101656	NOUN
fsr-4094	441	3	curnutt	curnutt	PROPN
fsr-4094	441	4	and	and	CCONJ
fsr-4094	441	5	smith	smith	PROPN
fsr-4094	441	6	141	141	NUM
fsr-4094	441	7	roza	roza	PROPN
fsr-4094	441	8	,	,	PUNCT
fsr-4094	441	9	t.	t.	PROPN
fsr-4094	441	10	h.	h.	PROPN
fsr-4094	441	11	,	,	PUNCT
fsr-4094	441	12	tavares	tavare	NOUN
fsr-4094	441	13	,	,	PUNCT
fsr-4094	441	14	h.	h.	PROPN
fsr-4094	441	15	,	,	PUNCT
fsr-4094	441	16	kessler	kessler	PROPN
fsr-4094	441	17	,	,	PUNCT
fsr-4094	441	18	f.	f.	PROPN
fsr-4094	441	19	h.	h.	PROPN
fsr-4094	441	20	p.	p.	PROPN
fsr-4094	441	21	,	,	PUNCT
fsr-4094	441	22	&	&	CCONJ
fsr-4094	441	23	passos	passos	PROPN
fsr-4094	441	24	,	,	PUNCT
fsr-4094	441	25	i.	i.	PROPN
fsr-4094	441	26	c.	c.	PROPN
fsr-4094	441	27	(	(	PUNCT
fsr-4094	441	28	2023	2023	NUM
fsr-4094	441	29	)	)	PUNCT
fsr-4094	441	30	.	.	PUNCT
fsr-4094	442	1	problematic	problematic	ADJ
fsr-4094	442	2	trading	trading	NOUN
fsr-4094	442	3	:	:	PUNCT
fsr-4094	442	4	gambling	gambling	NOUN
fsr-4094	442	5	-	-	PUNCT
fsr-4094	442	6	like	like	ADJ
fsr-4094	442	7	behavior	behavior	NOUN
fsr-4094	442	8	in	in	ADP
fsr-4094	442	9	day	day	NOUN
fsr-4094	442	10	trading	trading	NOUN
fsr-4094	442	11	and	and	CCONJ
fsr-4094	442	12	cryptocurrency	cryptocurrency	NOUN
fsr-4094	442	13	investing	investing	NOUN
fsr-4094	442	14	.	.	PUNCT
fsr-4094	443	1	trends	trend	NOUN
fsr-4094	443	2	in	in	ADP
fsr-4094	443	3	psychiatry	psychiatry	NOUN
fsr-4094	443	4	and	and	CCONJ
fsr-4094	443	5	psychotherapy	psychotherapy	NOUN
fsr-4094	443	6	(	(	PUNCT
fsr-4094	443	7	pre	pre	NOUN
fsr-4094	443	8	-	-	NOUN
fsr-4094	443	9	publication	publication	NOUN
fsr-4094	443	10	)	)	PUNCT
fsr-4094	443	11	.	.	PUNCT
fsr-4094	444	1	https://doi.org/10.47626/22376089-2023-0623	https://doi.org/10.47626/22376089-2023-0623	PROPN
fsr-4094	444	2	shaffer	shaffer	PROPN
fsr-4094	444	3	,	,	PUNCT
fsr-4094	444	4	v.	v.	PROPN
fsr-4094	444	5	a.	a.	NOUN
fsr-4094	444	6	,	,	PUNCT
fsr-4094	444	7	focella	focella	PROPN
fsr-4094	444	8	,	,	PUNCT
fsr-4094	444	9	e.	e.	PROPN
fsr-4094	444	10	s.	s.	PROPN
fsr-4094	444	11	,	,	PUNCT
fsr-4094	444	12	hathaway	hathaway	PROPN
fsr-4094	444	13	,	,	PUNCT
fsr-4094	444	14	a.	a.	PROPN
fsr-4094	444	15	,	,	PUNCT
fsr-4094	444	16	scherer	scherer	PROPN
fsr-4094	444	17	,	,	PUNCT
fsr-4094	444	18	l.	l.	PROPN
fsr-4094	444	19	d.	d.	PROPN
fsr-4094	444	20	,	,	PUNCT
fsr-4094	444	21	&	&	CCONJ
fsr-4094	444	22	zikmund	zikmund	PROPN
fsr-4094	444	23	-	-	PUNCT
fsr-4094	444	24	fisher	fisher	PROPN
fsr-4094	444	25	,	,	PUNCT
fsr-4094	444	26	b.	b.	PROPN
fsr-4094	444	27	j.	j.	PROPN
fsr-4094	444	28	(	(	PUNCT
fsr-4094	444	29	2018	2018	NUM
fsr-4094	444	30	)	)	PUNCT
fsr-4094	444	31	.	.	PUNCT
fsr-4094	445	1	on	on	ADP
fsr-4094	445	2	the	the	DET
fsr-4094	445	3	usefulness	usefulness	NOUN
fsr-4094	445	4	of	of	ADP
fsr-4094	445	5	narratives	narrative	NOUN
fsr-4094	445	6	:	:	PUNCT
fsr-4094	445	7	an	an	DET
fsr-4094	445	8	interdisciplinary	interdisciplinary	ADJ
fsr-4094	445	9	review	review	NOUN
fsr-4094	445	10	and	and	CCONJ
fsr-4094	445	11	theoretical	theoretical	ADJ
fsr-4094	445	12	model	model	NOUN
fsr-4094	445	13	.	.	PUNCT
fsr-4094	446	1	annals	annal	NOUN
fsr-4094	446	2	of	of	ADP
fsr-4094	446	3	behavioral	behavioral	ADJ
fsr-4094	446	4	medicine	medicine	NOUN
fsr-4094	446	5	,	,	PUNCT
fsr-4094	446	6	52(5	52(5	NUM
fsr-4094	446	7	)	)	PUNCT
fsr-4094	446	8	,	,	PUNCT
fsr-4094	446	9	429–442	429–442	NUM
fsr-4094	446	10	.	.	PUNCT
fsr-4094	447	1	https://doi.org/10.1093/abm/kax008	https://doi.org/10.1093/abm/kax008	NOUN
fsr-4094	447	2	sokol	sokol	NOUN
fsr-4094	447	3	-	-	PUNCT
fsr-4094	447	4	hessner	hessner	NOUN
fsr-4094	447	5	,	,	PUNCT
fsr-4094	447	6	p.	p.	NOUN
fsr-4094	447	7	,	,	PUNCT
fsr-4094	447	8	&	&	CCONJ
fsr-4094	447	9	rutledge	rutledge	PROPN
fsr-4094	447	10	,	,	PUNCT
fsr-4094	447	11	r.	r.	PROPN
fsr-4094	447	12	(	(	PUNCT
fsr-4094	447	13	2018	2018	NUM
fsr-4094	447	14	)	)	PUNCT
fsr-4094	447	15	.	.	PUNCT
fsr-4094	448	1	the	the	DET
fsr-4094	448	2	psychological	psychological	ADJ
fsr-4094	448	3	and	and	CCONJ
fsr-4094	448	4	neural	neural	ADJ
fsr-4094	448	5	basis	basis	NOUN
fsr-4094	448	6	of	of	ADP
fsr-4094	448	7	loss	loss	NOUN
fsr-4094	448	8	aversion	aversion	NOUN
fsr-4094	448	9	.	.	PUNCT
fsr-4094	449	1	current	current	ADJ
fsr-4094	449	2	directions	direction	NOUN
fsr-4094	449	3	in	in	ADP
fsr-4094	449	4	psychological	psychological	ADJ
fsr-4094	449	5	science	science	NOUN
fsr-4094	449	6	:	:	PUNCT
fsr-4094	449	7	a	a	DET
fsr-4094	449	8	journal	journal	NOUN
fsr-4094	449	9	of	of	ADP
fsr-4094	449	10	the	the	DET
fsr-4094	449	11	american	american	ADJ
fsr-4094	449	12	psychological	psychological	ADJ
fsr-4094	449	13	society	society	NOUN
fsr-4094	449	14	,	,	PUNCT
fsr-4094	449	15	28(1	28(1	NOUN
fsr-4094	449	16	)	)	PUNCT
fsr-4094	449	17	,	,	PUNCT
fsr-4094	449	18	20–27	20–27	NUM
fsr-4094	449	19	.	.	PUNCT
fsr-4094	449	20	https://doi.org/10.1177/0963721418806	https://doi.org/10.1177/0963721418806	PROPN
fsr-4094	449	21	510	510	NUM
fsr-4094	449	22	thampanya	thampanya	NOUN
fsr-4094	449	23	,	,	PUNCT
fsr-4094	449	24	n.	n.	PROPN
fsr-4094	449	25	,	,	PUNCT
fsr-4094	449	26	wu	wu	PROPN
fsr-4094	449	27	,	,	PUNCT
fsr-4094	449	28	j.	j.	PROPN
fsr-4094	449	29	,	,	PUNCT
fsr-4094	449	30	nasir	nasir	PROPN
fsr-4094	449	31	,	,	PUNCT
fsr-4094	449	32	m.	m.	NOUN
fsr-4094	449	33	a.	a.	PROPN
fsr-4094	449	34	,	,	PUNCT
fsr-4094	449	35	&	&	CCONJ
fsr-4094	449	36	liu	liu	PROPN
fsr-4094	449	37	,	,	PUNCT
fsr-4094	449	38	j.	j.	PROPN
fsr-4094	449	39	(	(	PUNCT
fsr-4094	449	40	2020	2020	NUM
fsr-4094	449	41	)	)	PUNCT
fsr-4094	449	42	.	.	PUNCT
fsr-4094	450	1	fundamental	fundamental	ADJ
fsr-4094	450	2	and	and	CCONJ
fsr-4094	450	3	behavioural	behavioural	ADJ
fsr-4094	450	4	determinants	determinant	NOUN
fsr-4094	450	5	of	of	ADP
fsr-4094	450	6	stock	stock	NOUN
fsr-4094	450	7	return	return	NOUN
fsr-4094	450	8	volatility	volatility	NOUN
fsr-4094	450	9	in	in	ADP
fsr-4094	450	10	asean-5	asean-5	NUM
fsr-4094	450	11	countries	country	NOUN
fsr-4094	450	12	.	.	PUNCT
fsr-4094	451	1	journal	journal	PROPN
fsr-4094	451	2	of	of	ADP
fsr-4094	451	3	international	international	ADJ
fsr-4094	451	4	financial	financial	ADJ
fsr-4094	451	5	markets	market	NOUN
fsr-4094	451	6	,	,	PUNCT
fsr-4094	451	7	institutions	institution	NOUN
fsr-4094	451	8	&	&	CCONJ
fsr-4094	451	9	money	money	NOUN
fsr-4094	451	10	,	,	PUNCT
fsr-4094	451	11	65	65	NUM
fsr-4094	451	12	,	,	PUNCT
fsr-4094	451	13	101193	101193	NUM
fsr-4094	451	14	.	.	PUNCT
fsr-4094	452	1	https://doi.org/10.1016/j.intfin.2020.101	https://doi.org/10.1016/j.intfin.2020.101	PROPN
fsr-4094	452	2	193	193	NUM
fsr-4094	452	3	wronka	wronka	PROPN
fsr-4094	452	4	,	,	PUNCT
fsr-4094	452	5	c.	c.	PROPN
fsr-4094	452	6	(	(	PUNCT
fsr-4094	452	7	2022	2022	NUM
fsr-4094	452	8	)	)	PUNCT
fsr-4094	452	9	.	.	PUNCT
fsr-4094	453	1	money	money	NOUN
fsr-4094	453	2	laundering	launder	VERB
fsr-4094	453	3	through	through	ADP
fsr-4094	453	4	cryptocurrencies	cryptocurrencie	NOUN
fsr-4094	453	5	:	:	PUNCT
fsr-4094	453	6	analysis	analysis	NOUN
fsr-4094	453	7	of	of	ADP
fsr-4094	453	8	the	the	DET
fsr-4094	453	9	phenomenon	phenomenon	NOUN
fsr-4094	453	10	and	and	CCONJ
fsr-4094	453	11	appropriate	appropriate	ADJ
fsr-4094	453	12	prevention	prevention	NOUN
fsr-4094	453	13	measures	measure	NOUN
fsr-4094	453	14	.	.	PUNCT
fsr-4094	454	1	journal	journal	NOUN
fsr-4094	454	2	of	of	ADP
fsr-4094	454	3	money	money	NOUN
fsr-4094	454	4	laundering	laundering	NOUN
fsr-4094	454	5	control	control	NOUN
fsr-4094	454	6	,	,	PUNCT
fsr-4094	454	7	25(1	25(1	NUM
fsr-4094	454	8	)	)	PUNCT
fsr-4094	454	9	,	,	PUNCT
fsr-4094	454	10	79–94	79–94	NUM
fsr-4094	454	11	.	.	PUNCT
fsr-4094	455	1	https://doi.org/10.1108/jmlc-02-20210017	https://doi.org/10.1108/jmlc-02-20210017	PROPN
fsr-4094	455	2	yermack	yermack	PROPN
fsr-4094	455	3	,	,	PUNCT
fsr-4094	455	4	d.	d.	PROPN
fsr-4094	455	5	(	(	PUNCT
fsr-4094	455	6	2015	2015	NUM
fsr-4094	455	7	)	)	PUNCT
fsr-4094	455	8	.	.	PUNCT
fsr-4094	456	1	is	be	AUX
fsr-4094	456	2	bitcoin	bitcoin	VERB
fsr-4094	456	3	a	a	DET
fsr-4094	456	4	real	real	ADJ
fsr-4094	456	5	currency	currency	NOUN
fsr-4094	456	6	?	?	PUNCT
fsr-4094	457	1	an	an	DET
fsr-4094	457	2	economic	economic	ADJ
fsr-4094	457	3	appraisal	appraisal	NOUN
fsr-4094	457	4	.	.	PUNCT
fsr-4094	458	1	in	in	ADP
fsr-4094	458	2	handbook	handbook	NOUN
fsr-4094	458	3	of	of	ADP
fsr-4094	458	4	digital	digital	ADJ
fsr-4094	458	5	currency	currency	NOUN
fsr-4094	458	6	(	(	PUNCT
fsr-4094	458	7	pp	pp	ADJ
fsr-4094	458	8	.	.	PUNCT
fsr-4094	458	9	31–43	31–43	NUM
fsr-4094	458	10	)	)	PUNCT
fsr-4094	458	11	.	.	PUNCT
fsr-4094	459	1	https://doi.org/10.1016/b978-0-12802117-0.00002-3	https://doi.org/10.1016/b978-0-12802117-0.00002-3	PROPN
fsr-4094	460	1	zhang	zhang	PROPN
fsr-4094	460	2	,	,	PUNCT
fsr-4094	460	3	y.	y.	PROPN
fsr-4094	460	4	,	,	PUNCT
fsr-4094	460	5	naveed	naveed	PROPN
fsr-4094	460	6	,	,	PUNCT
fsr-4094	460	7	k.	k.	PROPN
fsr-4094	460	8	,	,	PUNCT
fsr-4094	460	9	&	&	CCONJ
fsr-4094	460	10	qi	qi	PROPN
fsr-4094	460	11	,	,	PUNCT
fsr-4094	460	12	j.	j.	PROPN
fsr-4094	460	13	(	(	PUNCT
fsr-4094	460	14	2025	2025	NUM
fsr-4094	460	15	)	)	PUNCT
fsr-4094	460	16	.	.	PUNCT
fsr-4094	461	1	crypto	crypto	PROPN
fsr-4094	461	2	investment	investment	NOUN
fsr-4094	461	3	:	:	PUNCT
fsr-4094	461	4	the	the	DET
fsr-4094	461	5	role	role	NOUN
fsr-4094	461	6	of	of	ADP
fsr-4094	461	7	investment	investment	NOUN
fsr-4094	461	8	motivations	motivation	NOUN
fsr-4094	461	9	,	,	PUNCT
fsr-4094	461	10	investment	investment	NOUN
fsr-4094	461	11	confidence	confidence	NOUN
fsr-4094	461	12	,	,	PUNCT
fsr-4094	461	13	and	and	CCONJ
fsr-4094	461	14	risk	risk	NOUN
fsr-4094	461	15	perceptions	perception	NOUN
fsr-4094	461	16	.	.	PUNCT
fsr-4094	462	1	financial	financial	ADJ
fsr-4094	462	2	services	service	NOUN
fsr-4094	462	3	review	review	PROPN
fsr-4094	462	4	,	,	PUNCT
fsr-4094	462	5	33(1	33(1	NUM
fsr-4094	462	6	)	)	PUNCT
fsr-4094	462	7	,	,	PUNCT
fsr-4094	462	8	120–141	120–141	NUM
fsr-4094	462	9	.	.	PUNCT
fsr-4094	463	1	https://doi.org/10.47626/2237-6089-2023-0623	https://doi.org/10.47626/2237-6089-2023-0623	PROPN
fsr-4094	463	2	https://doi.org/10.47626/2237-6089-2023-0623	https://doi.org/10.47626/2237-6089-2023-0623	X
fsr-4094	463	3	https://doi.org/10.1093/abm/kax008	https://doi.org/10.1093/abm/kax008	PROPN
fsr-4094	463	4	https://doi.org/10.1177/0963721418806510	https://doi.org/10.1177/0963721418806510	ADJ
fsr-4094	463	5	https://doi.org/10.1177/0963721418806510	https://doi.org/10.1177/0963721418806510	ADJ
fsr-4094	463	6	https://doi.org/10.1016/j.intfin.2020.101193	https://doi.org/10.1016/j.intfin.2020.101193	PROPN
fsr-4094	463	7	https://doi.org/10.1016/j.intfin.2020.101193	https://doi.org/10.1016/j.intfin.2020.101193	PROPN
fsr-4094	463	8	https://doi.org/10.1016/b978-0-12-802117-0.00002-3	https://doi.org/10.1016/b978-0-12-802117-0.00002-3	PROPN
fsr-4094	463	9	https://doi.org/10.1016/b978-0-12-802117-0.00002-3	https://doi.org/10.1016/b978-0-12-802117-0.00002-3	PROPN
fsr-4094	463	10	financial	financial	PROPN
fsr-4094	463	11	services	services	PROPN
fsr-4094	463	12	review	review	PROPN
fsr-4094	463	13	,	,	PUNCT
fsr-4094	463	14	33(2	33(2	NUM
fsr-4094	463	15	)	)	PUNCT
fsr-4094	463	16	142	142	NUM
fsr-4094	463	17	appendix	appendix	VERB
fsr-4094	463	18	a	a	DET
fsr-4094	463	19	table	table	NOUN
fsr-4094	463	20	a1	a1	NOUN
fsr-4094	463	21	.	.	PUNCT
fsr-4094	464	1	variable	variable	NOUN
fsr-4094	464	2	used	use	VERB
fsr-4094	464	3	in	in	ADP
fsr-4094	464	4	the	the	DET
fsr-4094	464	5	study	study	NOUN
fsr-4094	464	6	variable	variable	ADJ
fsr-4094	464	7	type	type	NOUN
fsr-4094	464	8	variable	variable	ADJ
fsr-4094	464	9	name	name	NOUN
fsr-4094	464	10	description	description	NOUN
fsr-4094	464	11	dependent	dependent	ADJ
fsr-4094	464	12	variables	variable	NOUN
fsr-4094	464	13	s16_a	s16_a	NUM
fsr-4094	464	14	in	in	ADP
fsr-4094	464	15	the	the	DET
fsr-4094	464	16	past	past	ADJ
fsr-4094	464	17	year	year	NOUN
fsr-4094	464	18	,	,	PUNCT
fsr-4094	464	19	have	have	AUX
fsr-4094	464	20	you	you	PRON
fsr-4094	464	21	bought	buy	VERB
fsr-4094	464	22	or	or	CCONJ
fsr-4094	464	23	held	hold	VERB
fsr-4094	464	24	cryptocurrency	cryptocurrency	NOUN
fsr-4094	464	25	as	as	ADP
fsr-4094	464	26	an	an	DET
fsr-4094	464	27	investment	investment	NOUN
fsr-4094	464	28	?	?	PUNCT
fsr-4094	465	1	(	(	PUNCT
fsr-4094	465	2	yes	yes	INTJ
fsr-4094	465	3	=	=	SYM
fsr-4094	465	4	1	1	NUM
fsr-4094	465	5	,	,	PUNCT
fsr-4094	465	6	no	no	PRON
fsr-4094	465	7	=	=	NOUN
fsr-4094	465	8	0	0	NUM
fsr-4094	465	9	)	)	PUNCT
fsr-4094	465	10	s16_b	s16_b	NOUN
fsr-4094	466	1	in	in	ADP
fsr-4094	466	2	the	the	DET
fsr-4094	466	3	past	past	ADJ
fsr-4094	466	4	year	year	NOUN
fsr-4094	466	5	,	,	PUNCT
fsr-4094	466	6	have	have	AUX
fsr-4094	466	7	you	you	PRON
fsr-4094	466	8	used	use	VERB
fsr-4094	466	9	cryptocurrency	cryptocurrency	NOUN
fsr-4094	466	10	to	to	PART
fsr-4094	466	11	buy	buy	VERB
fsr-4094	466	12	something	something	PRON
fsr-4094	466	13	or	or	CCONJ
fsr-4094	466	14	make	make	VERB
fsr-4094	466	15	a	a	DET
fsr-4094	466	16	payment	payment	NOUN
fsr-4094	466	17	?	?	PUNCT
fsr-4094	467	1	(	(	PUNCT
fsr-4094	467	2	yes	yes	INTJ
fsr-4094	467	3	=	=	SYM
fsr-4094	467	4	1	1	NUM
fsr-4094	467	5	,	,	PUNCT
fsr-4094	467	6	no	no	PRON
fsr-4094	467	7	=	=	NOUN
fsr-4094	467	8	0	0	NUM
fsr-4094	467	9	)	)	PUNCT
fsr-4094	467	10	s16_c	s16_c	PROPN
fsr-4094	467	11	in	in	ADP
fsr-4094	467	12	the	the	DET
fsr-4094	467	13	past	past	ADJ
fsr-4094	467	14	year	year	NOUN
fsr-4094	467	15	,	,	PUNCT
fsr-4094	467	16	have	have	AUX
fsr-4094	467	17	you	you	PRON
fsr-4094	467	18	used	use	VERB
fsr-4094	467	19	cryptocurrency	cryptocurrency	NOUN
fsr-4094	467	20	to	to	PART
fsr-4094	467	21	send	send	VERB
fsr-4094	467	22	money	money	NOUN
fsr-4094	467	23	to	to	ADP
fsr-4094	467	24	friends	friend	NOUN
fsr-4094	467	25	or	or	CCONJ
fsr-4094	467	26	family	family	NOUN
fsr-4094	467	27	?	?	PUNCT
fsr-4094	468	1	(	(	PUNCT
fsr-4094	468	2	yes	yes	INTJ
fsr-4094	468	3	=	=	SYM
fsr-4094	468	4	1	1	NUM
fsr-4094	468	5	,	,	PUNCT
fsr-4094	468	6	no	no	PRON
fsr-4094	468	7	=	=	NOUN
fsr-4094	468	8	0	0	NUM
fsr-4094	468	9	)	)	PUNCT
fsr-4094	468	10	explanatory	explanatory	ADJ
fsr-4094	468	11	variables	variable	NOUN
fsr-4094	468	12	bk1	bk1	PROPN
fsr-4094	469	1	do	do	AUX
fsr-4094	469	2	you	you	PRON
fsr-4094	469	3	(	(	PUNCT
fsr-4094	469	4	and/or	and/or	CCONJ
fsr-4094	469	5	your	your	PRON
fsr-4094	469	6	spouse	spouse	NOUN
fsr-4094	469	7	or	or	CCONJ
fsr-4094	469	8	partner	partner	NOUN
fsr-4094	469	9	)	)	PUNCT
fsr-4094	469	10	have	have	VERB
fsr-4094	469	11	a	a	DET
fsr-4094	469	12	checking	checking	NOUN
fsr-4094	469	13	,	,	PUNCT
fsr-4094	469	14	savings	saving	NOUN
fsr-4094	469	15	,	,	PUNCT
fsr-4094	469	16	or	or	CCONJ
fsr-4094	469	17	money	money	NOUN
fsr-4094	469	18	market	market	NOUN
fsr-4094	469	19	account	account	NOUN
fsr-4094	469	20	?	?	PUNCT
fsr-4094	470	1	(	(	PUNCT
fsr-4094	470	2	yes	yes	INTJ
fsr-4094	470	3	=	=	SYM
fsr-4094	470	4	1	1	NUM
fsr-4094	470	5	,	,	PUNCT
fsr-4094	470	6	no	no	PRON
fsr-4094	470	7	=	=	NOUN
fsr-4094	470	8	0	0	NUM
fsr-4094	470	9	)	)	PUNCT
fsr-4094	470	10	bk2_a	bk2_a	NUM
fsr-4094	470	11	in	in	ADP
fsr-4094	470	12	the	the	DET
fsr-4094	470	13	past	past	ADJ
fsr-4094	470	14	12	12	NUM
fsr-4094	470	15	months	month	NOUN
fsr-4094	470	16	,	,	PUNCT
fsr-4094	470	17	did	do	AUX
fsr-4094	470	18	you	you	PRON
fsr-4094	470	19	purchase	purchase	VERB
fsr-4094	470	20	a	a	DET
fsr-4094	470	21	money	money	NOUN
fsr-4094	470	22	order	order	NOUN
fsr-4094	470	23	from	from	ADP
fsr-4094	470	24	a	a	DET
fsr-4094	470	25	place	place	NOUN
fsr-4094	470	26	other	other	ADJ
fsr-4094	470	27	than	than	ADP
fsr-4094	470	28	a	a	DET
fsr-4094	470	29	bank	bank	NOUN
fsr-4094	470	30	?	?	PUNCT
fsr-4094	471	1	(	(	PUNCT
fsr-4094	471	2	yes	yes	INTJ
fsr-4094	471	3	=	=	SYM
fsr-4094	471	4	1	1	NUM
fsr-4094	471	5	,	,	PUNCT
fsr-4094	471	6	no	no	PRON
fsr-4094	471	7	=	=	NOUN
fsr-4094	471	8	0	0	NUM
fsr-4094	471	9	)	)	PUNCT
fsr-4094	471	10	bk2_b	bk2_b	PRON
fsr-4094	471	11	in	in	ADP
fsr-4094	471	12	the	the	DET
fsr-4094	471	13	past	past	ADJ
fsr-4094	471	14	12	12	NUM
fsr-4094	471	15	months	month	NOUN
fsr-4094	471	16	,	,	PUNCT
fsr-4094	471	17	did	do	AUX
fsr-4094	471	18	you	you	PRON
fsr-4094	471	19	cash	cash	VERB
fsr-4094	471	20	a	a	DET
fsr-4094	471	21	check	check	NOUN
fsr-4094	471	22	at	at	ADP
fsr-4094	471	23	a	a	DET
fsr-4094	471	24	place	place	NOUN
fsr-4094	471	25	other	other	ADJ
fsr-4094	471	26	than	than	ADP
fsr-4094	471	27	a	a	DET
fsr-4094	471	28	bank	bank	NOUN
fsr-4094	471	29	?	?	PUNCT
fsr-4094	472	1	(	(	PUNCT
fsr-4094	472	2	yes	yes	INTJ
fsr-4094	472	3	=	=	SYM
fsr-4094	472	4	1	1	NUM
fsr-4094	472	5	,	,	PUNCT
fsr-4094	472	6	no	no	PRON
fsr-4094	472	7	=	=	NOUN
fsr-4094	472	8	0	0	NUM
fsr-4094	472	9	)	)	PUNCT
fsr-4094	472	10	bk2_c	bk2_c	NOUN
fsr-4094	472	11	in	in	ADP
fsr-4094	472	12	the	the	DET
fsr-4094	472	13	past	past	ADJ
fsr-4094	472	14	12	12	NUM
fsr-4094	472	15	months	month	NOUN
fsr-4094	472	16	,	,	PUNCT
fsr-4094	472	17	did	do	AUX
fsr-4094	472	18	you	you	PRON
fsr-4094	472	19	take	take	VERB
fsr-4094	472	20	out	out	ADP
fsr-4094	472	21	a	a	DET
fsr-4094	472	22	payday	payday	NOUN
fsr-4094	472	23	loan	loan	NOUN
fsr-4094	472	24	or	or	CCONJ
fsr-4094	472	25	payday	payday	NOUN
fsr-4094	472	26	advance	advance	NOUN
fsr-4094	472	27	?	?	PUNCT
fsr-4094	473	1	(	(	PUNCT
fsr-4094	473	2	yes	yes	INTJ
fsr-4094	473	3	=	=	SYM
fsr-4094	473	4	1	1	NUM
fsr-4094	473	5	,	,	PUNCT
fsr-4094	473	6	no	no	PRON
fsr-4094	473	7	=	=	NOUN
fsr-4094	473	8	0	0	NUM
fsr-4094	473	9	)	)	PUNCT
fsr-4094	473	10	bk2_d	bk2_d	NUM
fsr-4094	473	11	in	in	ADP
fsr-4094	473	12	the	the	DET
fsr-4094	473	13	past	past	ADJ
fsr-4094	473	14	12	12	NUM
fsr-4094	473	15	months	month	NOUN
fsr-4094	473	16	,	,	PUNCT
fsr-4094	473	17	did	do	AUX
fsr-4094	473	18	you	you	PRON
fsr-4094	473	19	take	take	VERB
fsr-4094	473	20	out	out	ADP
fsr-4094	473	21	a	a	DET
fsr-4094	473	22	pawnshop	pawnshop	NOUN
fsr-4094	473	23	loan	loan	NOUN
fsr-4094	473	24	or	or	CCONJ
fsr-4094	473	25	an	an	DET
fsr-4094	473	26	auto	auto	NOUN
fsr-4094	473	27	title	title	NOUN
fsr-4094	473	28	loan	loan	NOUN
fsr-4094	473	29	?	?	PUNCT
fsr-4094	474	1	(	(	PUNCT
fsr-4094	474	2	yes	yes	INTJ
fsr-4094	474	3	=	=	SYM
fsr-4094	474	4	1	1	NUM
fsr-4094	474	5	,	,	PUNCT
fsr-4094	474	6	no	no	PRON
fsr-4094	474	7	=	=	NOUN
fsr-4094	474	8	0	0	NUM
fsr-4094	474	9	)	)	PUNCT
fsr-4094	474	10	bk2_e	bk2_e	PROPN
fsr-4094	474	11	in	in	ADP
fsr-4094	474	12	the	the	DET
fsr-4094	474	13	past	past	ADJ
fsr-4094	474	14	12	12	NUM
fsr-4094	474	15	months	month	NOUN
fsr-4094	474	16	,	,	PUNCT
fsr-4094	474	17	did	do	AUX
fsr-4094	474	18	you	you	PRON
fsr-4094	474	19	obtain	obtain	VERB
fsr-4094	474	20	a	a	DET
fsr-4094	474	21	tax	tax	NOUN
fsr-4094	474	22	refund	refund	NOUN
fsr-4094	474	23	advance	advance	NOUN
fsr-4094	474	24	to	to	PART
fsr-4094	474	25	receive	receive	VERB
fsr-4094	474	26	your	your	PRON
fsr-4094	474	27	refund	refund	NOUN
fsr-4094	474	28	faster	fast	ADV
fsr-4094	474	29	?	?	PUNCT
fsr-4094	475	1	(	(	PUNCT
fsr-4094	475	2	yes	yes	INTJ
fsr-4094	475	3	=	=	SYM
fsr-4094	475	4	1	1	NUM
fsr-4094	475	5	,	,	PUNCT
fsr-4094	475	6	no	no	PRON
fsr-4094	475	7	=	=	NOUN
fsr-4094	475	8	0	0	NUM
fsr-4094	475	9	)	)	PUNCT
fsr-4094	475	10	bk2_f	bk2_f	NOUN
fsr-4094	475	11	in	in	ADP
fsr-4094	475	12	the	the	DET
fsr-4094	475	13	past	past	ADJ
fsr-4094	475	14	12	12	NUM
fsr-4094	475	15	months	month	NOUN
fsr-4094	475	16	,	,	PUNCT
fsr-4094	475	17	did	do	AUX
fsr-4094	475	18	you	you	PRON
fsr-4094	475	19	pay	pay	VERB
fsr-4094	475	20	an	an	DET
fsr-4094	475	21	overdraft	overdraft	NOUN
fsr-4094	475	22	fee	fee	NOUN
fsr-4094	475	23	on	on	ADP
fsr-4094	475	24	a	a	DET
fsr-4094	475	25	bank	bank	NOUN
fsr-4094	475	26	account	account	NOUN
fsr-4094	475	27	?	?	PUNCT
fsr-4094	476	1	(	(	PUNCT
fsr-4094	476	2	yes	yes	INTJ
fsr-4094	476	3	=	=	SYM
fsr-4094	476	4	1	1	NUM
fsr-4094	476	5	,	,	PUNCT
fsr-4094	476	6	no	no	PRON
fsr-4094	476	7	=	=	NOUN
fsr-4094	476	8	0	0	X
fsr-4094	476	9	)	)	PUNCT
fsr-4094	476	10	fl0	fl0	NOUN
fsr-4094	476	11	risk	risk	NOUN
fsr-4094	476	12	tolerance	tolerance	NOUN
fsr-4094	476	13	(	(	PUNCT
fsr-4094	476	14	scale	scale	NOUN
fsr-4094	476	15	:	:	PUNCT
fsr-4094	476	16	0	0	PUNCT
fsr-4094	476	17	=	=	SYM
fsr-4094	476	18	not	not	PART
fsr-4094	476	19	at	at	ADV
fsr-4094	476	20	all	all	ADV
fsr-4094	476	21	willing	willing	ADJ
fsr-4094	476	22	to	to	PART
fsr-4094	476	23	take	take	VERB
fsr-4094	476	24	risks	risk	NOUN
fsr-4094	476	25	,	,	PUNCT
fsr-4094	476	26	10	10	NUM
fsr-4094	476	27	=	=	SYM
fsr-4094	476	28	very	very	ADV
fsr-4094	476	29	willing	willing	ADJ
fsr-4094	476	30	to	to	PART
fsr-4094	476	31	take	take	VERB
fsr-4094	476	32	risks	risk	NOUN
fsr-4094	476	33	)	)	PUNCT
fsr-4094	476	34	financial	financial	ADJ
fsr-4094	476	35	literacy	literacy	NOUN
fsr-4094	476	36	variables	variable	VERB
fsr-4094	476	37	fl2	fl2	VERB
fsr-4094	476	38	"	"	PUNCT
fsr-4094	476	39	buying	buy	VERB
fsr-4094	476	40	a	a	DET
fsr-4094	476	41	single	single	ADJ
fsr-4094	476	42	company	company	NOUN
fsr-4094	476	43	’s	’s	PART
fsr-4094	476	44	stock	stock	NOUN
fsr-4094	476	45	usually	usually	ADV
fsr-4094	476	46	provides	provide	VERB
fsr-4094	476	47	a	a	DET
fsr-4094	476	48	safer	safe	ADJ
fsr-4094	476	49	return	return	NOUN
fsr-4094	476	50	than	than	ADP
fsr-4094	476	51	a	a	DET
fsr-4094	476	52	stock	stock	NOUN
fsr-4094	476	53	mutual	mutual	ADJ
fsr-4094	476	54	fund	fund	NOUN
fsr-4094	476	55	.	.	PUNCT
fsr-4094	476	56	"	"	PUNCT
fsr-4094	477	1	(	(	PUNCT
fsr-4094	477	2	1	1	NUM
fsr-4094	477	3	=	=	SYM
fsr-4094	477	4	true	true	ADJ
fsr-4094	477	5	,	,	PUNCT
fsr-4094	477	6	2	2	NUM
fsr-4094	477	7	=	=	SYM
fsr-4094	477	8	false	false	ADJ
fsr-4094	477	9	,	,	PUNCT
fsr-4094	477	10	-2	-2	NOUN
fsr-4094	478	1	=	=	PUNCT
fsr-4094	478	2	do	do	AUX
fsr-4094	478	3	n’t	not	PART
fsr-4094	478	4	know	know	VERB
fsr-4094	478	5	)	)	PUNCT
fsr-4094	478	6	fl4	fl4	NOUN
fsr-4094	479	1	"	"	PUNCT
fsr-4094	479	2	if	if	SCONJ
fsr-4094	479	3	the	the	DET
fsr-4094	479	4	interest	interest	NOUN
fsr-4094	479	5	rate	rate	NOUN
fsr-4094	479	6	on	on	ADP
fsr-4094	479	7	savings	saving	NOUN
fsr-4094	479	8	is	be	AUX
fsr-4094	479	9	1	1	NUM
fsr-4094	479	10	%	%	NOUN
fsr-4094	479	11	per	per	ADP
fsr-4094	479	12	year	year	NOUN
fsr-4094	479	13	and	and	CCONJ
fsr-4094	479	14	inflation	inflation	NOUN
fsr-4094	479	15	is	be	AUX
fsr-4094	479	16	2	2	NUM
fsr-4094	479	17	%	%	NOUN
fsr-4094	479	18	,	,	PUNCT
fsr-4094	479	19	how	how	SCONJ
fsr-4094	479	20	much	much	ADJ
fsr-4094	479	21	would	would	AUX
fsr-4094	479	22	you	you	PRON
fsr-4094	479	23	be	be	AUX
fsr-4094	479	24	able	able	ADJ
fsr-4094	479	25	to	to	PART
fsr-4094	479	26	buy	buy	VERB
fsr-4094	479	27	after	after	ADP
fsr-4094	479	28	one	one	NUM
fsr-4094	479	29	year	year	NOUN
fsr-4094	479	30	?	?	PUNCT
fsr-4094	479	31	"	"	PUNCT
fsr-4094	480	1	(	(	PUNCT
fsr-4094	480	2	1	1	NUM
fsr-4094	480	3	=	=	SYM
fsr-4094	480	4	more	more	ADJ
fsr-4094	480	5	than	than	ADP
fsr-4094	480	6	today	today	NOUN
fsr-4094	480	7	,	,	PUNCT
fsr-4094	480	8	2	2	NUM
fsr-4094	480	9	=	=	SYM
fsr-4094	480	10	same	same	ADJ
fsr-4094	480	11	,	,	PUNCT
fsr-4094	480	12	3	3	NUM
fsr-4094	480	13	=	=	SYM
fsr-4094	480	14	less	less	ADJ
fsr-4094	480	15	than	than	ADP
fsr-4094	480	16	today	today	NOUN
fsr-4094	480	17	)	)	PUNCT
fsr-4094	480	18	fl5	fl5	NOUN
fsr-4094	480	19	"	"	PUNCT
fsr-4094	480	20	if	if	SCONJ
fsr-4094	480	21	you	you	PRON
fsr-4094	480	22	had	have	VERB
fsr-4094	480	23	$	$	SYM
fsr-4094	480	24	100	100	NUM
fsr-4094	480	25	in	in	ADP
fsr-4094	480	26	a	a	DET
fsr-4094	480	27	savings	savings	NOUN
fsr-4094	480	28	account	account	NOUN
fsr-4094	480	29	at	at	ADP
fsr-4094	480	30	2	2	NUM
fsr-4094	480	31	%	%	NOUN
fsr-4094	480	32	interest	interest	NOUN
fsr-4094	480	33	per	per	ADP
fsr-4094	480	34	year	year	NOUN
fsr-4094	480	35	,	,	PUNCT
fsr-4094	480	36	how	how	SCONJ
fsr-4094	480	37	much	much	ADJ
fsr-4094	480	38	would	would	AUX
fsr-4094	480	39	you	you	PRON
fsr-4094	480	40	have	have	VERB
fsr-4094	480	41	after	after	ADP
fsr-4094	480	42	five	five	NUM
fsr-4094	480	43	years	year	NOUN
fsr-4094	480	44	?	?	PUNCT
fsr-4094	480	45	"	"	PUNCT
fsr-4094	481	1	(	(	PUNCT
fsr-4094	481	2	1	1	NUM
fsr-4094	481	3	=	=	SYM
fsr-4094	481	4	more	more	ADJ
fsr-4094	481	5	than	than	ADP
fsr-4094	481	6	$	$	SYM
fsr-4094	481	7	102	102	NUM
fsr-4094	481	8	,	,	PUNCT
fsr-4094	481	9	2	2	NUM
fsr-4094	481	10	=	=	SYM
fsr-4094	481	11	exactly	exactly	ADV
fsr-4094	481	12	$	$	SYM
fsr-4094	481	13	102	102	NUM
fsr-4094	481	14	,	,	PUNCT
fsr-4094	481	15	3	3	NUM
fsr-4094	481	16	=	=	SYM
fsr-4094	481	17	less	less	ADJ
fsr-4094	481	18	than	than	ADP
fsr-4094	481	19	$	$	SYM
fsr-4094	481	20	102	102	NUM
fsr-4094	481	21	,	,	PUNCT
fsr-4094	481	22	-2	-2	NOUN
fsr-4094	481	23	=	=	PUNCT
fsr-4094	481	24	do	do	AUX
fsr-4094	481	25	n’t	not	PART
fsr-4094	481	26	know	know	VERB
fsr-4094	481	27	)	)	PUNCT
fsr-4094	481	28	fl_score	fl_score	ADP
fsr-4094	481	29	number	number	NOUN
fsr-4094	481	30	of	of	ADP
fsr-4094	481	31	correct	correct	ADJ
fsr-4094	481	32	financial	financial	ADJ
fsr-4094	481	33	literacy	literacy	NOUN
fsr-4094	481	34	answers	answer	NOUN
fsr-4094	481	35	(	(	PUNCT
fsr-4094	481	36	0	0	NUM
fsr-4094	481	37	=	=	SYM
fsr-4094	481	38	0	0	NUM
fsr-4094	481	39	correct	correct	ADJ
fsr-4094	481	40	,	,	PUNCT
fsr-4094	481	41	1	1	NUM
fsr-4094	481	42	=	=	SYM
fsr-4094	481	43	1	1	NUM
fsr-4094	481	44	correct	correct	ADJ
fsr-4094	481	45	,	,	PUNCT
fsr-4094	481	46	2	2	NUM
fsr-4094	481	47	=	=	SYM
fsr-4094	481	48	2	2	NUM
fsr-4094	481	49	correct	correct	ADJ
fsr-4094	481	50	,	,	PUNCT
fsr-4094	481	51	3	3	NUM
fsr-4094	481	52	=	=	SYM
fsr-4094	481	53	3	3	NUM
fsr-4094	481	54	correct	correct	ADJ
fsr-4094	481	55	)	)	PUNCT
fsr-4094	481	56	control	control	NOUN
fsr-4094	481	57	variables	variable	VERB
fsr-4094	481	58	ppethm	ppethm	PROPN
fsr-4094	481	59	self	self	NOUN
fsr-4094	481	60	-	-	PUNCT
fsr-4094	481	61	reported	report	VERB
fsr-4094	481	62	race	race	NOUN
fsr-4094	481	63	/	/	SYM
fsr-4094	481	64	ethnicity	ethnicity	NOUN
fsr-4094	481	65	(	(	PUNCT
fsr-4094	481	66	1	1	NUM
fsr-4094	481	67	=	=	SYM
fsr-4094	481	68	white	white	ADJ
fsr-4094	481	69	,	,	PUNCT
fsr-4094	481	70	non	non	ADJ
fsr-4094	481	71	-	-	ADJ
fsr-4094	481	72	hispanic	hispanic	ADJ
fsr-4094	481	73	;	;	PUNCT
fsr-4094	481	74	2	2	NUM
fsr-4094	481	75	=	=	SYM
fsr-4094	481	76	black	black	ADJ
fsr-4094	481	77	,	,	PUNCT
fsr-4094	481	78	non	non	ADJ
fsr-4094	481	79	-	-	ADJ
fsr-4094	481	80	hispanic	hispanic	ADJ
fsr-4094	481	81	;	;	PUNCT
fsr-4094	481	82	3	3	NUM
fsr-4094	481	83	=	=	SYM
fsr-4094	481	84	other	other	ADJ
fsr-4094	481	85	,	,	PUNCT
fsr-4094	481	86	non	non	ADJ
fsr-4094	481	87	-	-	ADJ
fsr-4094	481	88	hispanic	hispanic	ADJ
fsr-4094	481	89	;	;	PUNCT
fsr-4094	481	90	4	4	NUM
fsr-4094	481	91	=	=	SYM
fsr-4094	481	92	hispanic	hispanic	NOUN
fsr-4094	481	93	;	;	PUNCT
fsr-4094	481	94	5	5	NUM
fsr-4094	481	95	=	=	SYM
fsr-4094	481	96	two	two	NUM
fsr-4094	481	97	or	or	CCONJ
fsr-4094	481	98	more	more	ADJ
fsr-4094	481	99	races	race	NOUN
fsr-4094	481	100	,	,	PUNCT
fsr-4094	481	101	non	non	ADJ
fsr-4094	481	102	-	-	ADJ
fsr-4094	481	103	hispanic	hispanic	ADJ
fsr-4094	481	104	)	)	PUNCT
fsr-4094	481	105	ppgender	ppgender	NOUN
fsr-4094	481	106	self	self	NOUN
fsr-4094	481	107	-	-	PUNCT
fsr-4094	481	108	reported	report	VERB
fsr-4094	481	109	gender	gender	NOUN
fsr-4094	481	110	(	(	PUNCT
fsr-4094	481	111	0	0	NUM
fsr-4094	481	112	=	=	SYM
fsr-4094	481	113	male	male	NOUN
fsr-4094	481	114	,	,	PUNCT
fsr-4094	481	115	1	1	NUM
fsr-4094	481	116	=	=	SYM
fsr-4094	481	117	female	female	ADJ
fsr-4094	481	118	)	)	PUNCT
fsr-4094	481	119	curnutt	curnutt	NOUN
fsr-4094	481	120	and	and	CCONJ
fsr-4094	481	121	smith	smith	PROPN
fsr-4094	481	122	143	143	DET
fsr-4094	481	123	ppage	ppage	PROPN
fsr-4094	481	124	respondent	respondent	NOUN
fsr-4094	481	125	’s	’s	PART
fsr-4094	481	126	age	age	NOUN
fsr-4094	481	127	(	(	PUNCT
fsr-4094	481	128	continuous	continuous	ADJ
fsr-4094	481	129	variable	variable	NOUN
fsr-4094	481	130	)	)	PUNCT
fsr-4094	481	131	ppemploy	ppemploy	NOUN
fsr-4094	481	132	employment	employment	NOUN
fsr-4094	481	133	status	status	NOUN
fsr-4094	481	134	(	(	PUNCT
fsr-4094	481	135	1	1	NUM
fsr-4094	481	136	=	=	SYM
fsr-4094	481	137	working	work	VERB
fsr-4094	481	138	full	full	ADJ
fsr-4094	481	139	-	-	PUNCT
fsr-4094	481	140	time	time	NOUN
fsr-4094	481	141	,	,	PUNCT
fsr-4094	481	142	0	0	NUM
fsr-4094	482	1	=	=	SYM
fsr-4094	482	2	otherwise	otherwise	ADV
fsr-4094	482	3	)	)	PUNCT
fsr-4094	482	4	educ_4cat	educ_4cat	PROPN
fsr-4094	482	5	educational	educational	ADJ
fsr-4094	482	6	attainment	attainment	NOUN
fsr-4094	482	7	(	(	PUNCT
fsr-4094	482	8	1	1	NUM
fsr-4094	482	9	=	=	SYM
fsr-4094	482	10	less	less	ADJ
fsr-4094	482	11	than	than	ADP
fsr-4094	482	12	high	high	ADJ
fsr-4094	482	13	school	school	NOUN
fsr-4094	482	14	,	,	PUNCT
fsr-4094	482	15	2	2	NUM
fsr-4094	482	16	=	=	SYM
fsr-4094	482	17	high	high	ADJ
fsr-4094	482	18	school	school	NOUN
fsr-4094	482	19	degree	degree	NOUN
fsr-4094	482	20	/	/	SYM
fsr-4094	482	21	ged	ge	VERB
fsr-4094	482	22	,	,	PUNCT
fsr-4094	482	23	3	3	NUM
fsr-4094	482	24	=	=	PUNCT
fsr-4094	482	25	some	some	DET
fsr-4094	482	26	college	college	NOUN
fsr-4094	482	27	/	/	SYM
fsr-4094	482	28	technical	technical	ADJ
fsr-4094	482	29	/	/	SYM
fsr-4094	482	30	associate	associate	NOUN
fsr-4094	482	31	’s	’s	PART
fsr-4094	482	32	degree	degree	NOUN
fsr-4094	482	33	,	,	PUNCT
fsr-4094	482	34	4	4	NUM
fsr-4094	482	35	=	=	SYM
fsr-4094	482	36	bachelor	bachelor	NOUN
fsr-4094	482	37	’s	’s	NOUN
fsr-4094	482	38	degree	degree	NOUN
fsr-4094	482	39	or	or	CCONJ
fsr-4094	482	40	higher	high	ADJ
fsr-4094	482	41	)	)	PUNCT
fsr-4094	482	42	ppmarit5	ppmarit5	NOUN
fsr-4094	482	43	marital	marital	ADJ
fsr-4094	482	44	status	status	NOUN
fsr-4094	482	45	(	(	PUNCT
fsr-4094	482	46	1	1	NUM
fsr-4094	482	47	=	=	SYM
fsr-4094	482	48	married	marry	VERB
fsr-4094	482	49	,	,	PUNCT
fsr-4094	482	50	0	0	PUNCT
fsr-4094	482	51	=	=	SYM
fsr-4094	482	52	not	not	PART
fsr-4094	482	53	married	married	ADJ
fsr-4094	482	54	)	)	PUNCT
fsr-4094	482	55	pps0596	pps0596	ADJ
fsr-4094	482	56	self	self	NOUN
fsr-4094	482	57	-	-	PUNCT
fsr-4094	482	58	reported	report	VERB
fsr-4094	482	59	savings	saving	NOUN
fsr-4094	482	60	and	and	CCONJ
fsr-4094	482	61	investments	investment	NOUN
fsr-4094	482	62	(	(	PUNCT
fsr-4094	482	63	1	1	NUM
fsr-4094	482	64	=	=	SYM
fsr-4094	482	65	less	less	ADJ
fsr-4094	482	66	than	than	ADP
fsr-4094	482	67	$	$	SYM
fsr-4094	482	68	50,000	50,000	NUM
fsr-4094	482	69	,	,	PUNCT
fsr-4094	482	70	2	2	NUM
fsr-4094	482	71	=	=	SYM
fsr-4094	482	72	$	$	SYM
fsr-4094	482	73	50,000	50,000	NUM
fsr-4094	482	74	to	to	PART
fsr-4094	482	75	$	$	SYM
fsr-4094	482	76	99,999	99,999	NUM
fsr-4094	482	77	,	,	PUNCT
fsr-4094	482	78	3	3	NUM
fsr-4094	482	79	=	=	SYM
fsr-4094	482	80	$	$	SYM
fsr-4094	482	81	100,000	100,000	NUM
fsr-4094	482	82	to	to	PART
fsr-4094	482	83	$	$	SYM
fsr-4094	482	84	249,999	249,999	NUM
fsr-4094	482	85	,	,	PUNCT
fsr-4094	482	86	4	4	NUM
fsr-4094	482	87	=	=	SYM
fsr-4094	482	88	$	$	SYM
fsr-4094	482	89	250,000	250,000	NUM
fsr-4094	482	90	to	to	PART
fsr-4094	482	91	$	$	SYM
fsr-4094	482	92	499,999	499,999	NUM
fsr-4094	482	93	,	,	PUNCT
fsr-4094	482	94	5	5	NUM
fsr-4094	482	95	=	=	SYM
fsr-4094	482	96	$	$	SYM
fsr-4094	482	97	500,000	500,000	NUM
fsr-4094	482	98	to	to	PART
fsr-4094	482	99	$	$	SYM
fsr-4094	482	100	999,999	999,999	NUM
fsr-4094	482	101	,	,	PUNCT
fsr-4094	482	102	6	6	NUM
fsr-4094	482	103	=	=	SYM
fsr-4094	482	104	$	$	SYM
fsr-4094	482	105	1,000,000	1,000,000	NUM
fsr-4094	482	106	or	or	CCONJ
fsr-4094	482	107	more	more	ADJ
fsr-4094	482	108	)	)	PUNCT
fsr-4094	482	109	ppfs1482	ppfs1482	VERB
fsr-4094	482	110	self	self	NOUN
fsr-4094	482	111	-	-	PUNCT
fsr-4094	482	112	reported	report	VERB
fsr-4094	482	113	credit	credit	NOUN
fsr-4094	482	114	score	score	NOUN
fsr-4094	482	115	perception	perception	NOUN
fsr-4094	482	116	(	(	PUNCT
fsr-4094	482	117	1	1	NUM
fsr-4094	482	118	=	=	SYM
fsr-4094	482	119	very	very	ADV
fsr-4094	482	120	poor	poor	ADJ
fsr-4094	482	121	,	,	PUNCT
fsr-4094	482	122	2	2	NUM
fsr-4094	482	123	=	=	SYM
fsr-4094	482	124	poor	poor	ADJ
fsr-4094	482	125	,	,	PUNCT
fsr-4094	482	126	3	3	NUM
fsr-4094	482	127	=	=	SYM
fsr-4094	482	128	fair	fair	ADJ
fsr-4094	482	129	,	,	PUNCT
fsr-4094	482	130	4	4	NUM
fsr-4094	482	131	=	=	SYM
fsr-4094	482	132	good	good	ADJ
fsr-4094	482	133	,	,	PUNCT
fsr-4094	482	134	5	5	NUM
fsr-4094	482	135	=	=	SYM
fsr-4094	482	136	excellent	excellent	ADJ
fsr-4094	482	137	)	)	PUNCT
fsr-4094	483	1	atleast_okay	atleast_okay	PROPN
fsr-4094	483	2	self	self	NOUN
fsr-4094	483	3	-	-	PUNCT
fsr-4094	483	4	reported	report	VERB
fsr-4094	483	5	financial	financial	ADJ
fsr-4094	483	6	well	well	NOUN
fsr-4094	483	7	-	-	PUNCT
fsr-4094	483	8	being	be	AUX
fsr-4094	483	9	(	(	PUNCT
fsr-4094	483	10	yes	yes	INTJ
fsr-4094	483	11	=	=	SYM
fsr-4094	483	12	1	1	NUM
fsr-4094	483	13	,	,	PUNCT
fsr-4094	483	14	no	no	PRON
fsr-4094	483	15	=	=	NOUN
fsr-4094	483	16	0	0	NUM
fsr-4094	483	17	)	)	PUNCT