id	sid	tid	token	lemma	pos
fsr-4317	1	1	financial	financial	PROPN
fsr-4317	1	2	services	service	NOUN
fsr-4317	1	3	review	review	NOUN
fsr-4317	1	4	,	,	PUNCT
fsr-4317	1	5	33(2	33(2	NUM
fsr-4317	1	6	)	)	PUNCT
fsr-4317	2	1	i	i	PRON
fsr-4317	2	2	volume	volume	VERB
fsr-4317	2	3	33	33	NUM
fsr-4317	2	4	issue	issue	NOUN
fsr-4317	2	5	2	2	NUM
fsr-4317	2	6	from	from	ADP
fsr-4317	2	7	the	the	DET
fsr-4317	2	8	editor	editor	NOUN
fsr-4317	2	9	it	it	PRON
fsr-4317	2	10	is	be	AUX
fsr-4317	2	11	with	with	ADP
fsr-4317	2	12	great	great	ADJ
fsr-4317	2	13	pleasure	pleasure	NOUN
fsr-4317	2	14	and	and	CCONJ
fsr-4317	2	15	enthusiasm	enthusiasm	NOUN
fsr-4317	2	16	that	that	PRON
fsr-4317	2	17	i	i	PRON
fsr-4317	2	18	welcome	welcome	VERB
fsr-4317	2	19	dr	dr	PROPN
fsr-4317	2	20	.	.	PROPN
fsr-4317	2	21	elisabeth	elisabeth	PROPN
fsr-4317	2	22	sinnewe	sinnewe	PROPN
fsr-4317	2	23	as	as	ADP
fsr-4317	2	24	the	the	DET
fsr-4317	2	25	incoming	incoming	ADJ
fsr-4317	2	26	editor	editor	NOUN
fsr-4317	2	27	of	of	ADP
fsr-4317	2	28	financial	financial	ADJ
fsr-4317	2	29	services	service	NOUN
fsr-4317	2	30	review	review	NOUN
fsr-4317	2	31	(	(	PUNCT
fsr-4317	2	32	fsr	fsr	PROPN
fsr-4317	2	33	)	)	PUNCT
fsr-4317	2	34	.	.	PUNCT
fsr-4317	3	1	with	with	ADP
fsr-4317	3	2	a	a	DET
fsr-4317	3	3	strong	strong	ADJ
fsr-4317	3	4	background	background	NOUN
fsr-4317	3	5	in	in	ADP
fsr-4317	3	6	personal	personal	ADJ
fsr-4317	3	7	finance	finance	NOUN
fsr-4317	3	8	and	and	CCONJ
fsr-4317	3	9	superannuation	superannuation	NOUN
fsr-4317	3	10	research	research	NOUN
fsr-4317	3	11	,	,	PUNCT
fsr-4317	3	12	an	an	DET
fsr-4317	3	13	impressive	impressive	ADJ
fsr-4317	3	14	record	record	NOUN
fsr-4317	3	15	of	of	ADP
fsr-4317	3	16	publishing	publishing	NOUN
fsr-4317	3	17	in	in	ADP
fsr-4317	3	18	top	top	ADJ
fsr-4317	3	19	-	-	PUNCT
fsr-4317	3	20	tier	tier	NOUN
fsr-4317	3	21	journals	journal	NOUN
fsr-4317	3	22	,	,	PUNCT
fsr-4317	3	23	and	and	CCONJ
fsr-4317	3	24	proven	prove	VERB
fsr-4317	3	25	leadership	leadership	NOUN
fsr-4317	3	26	within	within	ADP
fsr-4317	3	27	the	the	DET
fsr-4317	3	28	financial	financial	ADJ
fsr-4317	3	29	planning	planning	NOUN
fsr-4317	3	30	academic	academic	ADJ
fsr-4317	3	31	community	community	NOUN
fsr-4317	3	32	,	,	PUNCT
fsr-4317	3	33	dr	dr	PROPN
fsr-4317	3	34	.	.	PROPN
fsr-4317	3	35	sinnewe	sinnewe	PROPN
fsr-4317	3	36	brings	bring	VERB
fsr-4317	3	37	a	a	DET
fsr-4317	3	38	wealth	wealth	NOUN
fsr-4317	3	39	of	of	ADP
fsr-4317	3	40	experience	experience	NOUN
fsr-4317	3	41	and	and	CCONJ
fsr-4317	3	42	vision	vision	NOUN
fsr-4317	3	43	that	that	PRON
fsr-4317	3	44	aligns	align	VERB
fsr-4317	3	45	beautifully	beautifully	ADV
fsr-4317	3	46	with	with	ADP
fsr-4317	3	47	fsr	fsr	PROPN
fsr-4317	3	48	’s	’s	PART
fsr-4317	3	49	mission	mission	NOUN
fsr-4317	3	50	to	to	PART
fsr-4317	3	51	advance	advance	VERB
fsr-4317	3	52	rigorous	rigorous	ADJ
fsr-4317	3	53	and	and	CCONJ
fsr-4317	3	54	practitioner	practitioner	NOUN
fsr-4317	3	55	-	-	PUNCT
fsr-4317	3	56	relevant	relevant	ADJ
fsr-4317	3	57	research	research	NOUN
fsr-4317	3	58	.	.	PUNCT
fsr-4317	4	1	as	as	ADP
fsr-4317	4	2	chair	chair	NOUN
fsr-4317	4	3	of	of	ADP
fsr-4317	4	4	the	the	DET
fsr-4317	4	5	academy	academy	NOUN
fsr-4317	4	6	of	of	ADP
fsr-4317	4	7	financial	financial	PROPN
fsr-4317	4	8	services	services	PROPN
fsr-4317	4	9	australia	australia	PROPN
fsr-4317	4	10	–	–	PUNCT
fsr-4317	4	11	new	new	PROPN
fsr-4317	4	12	zealand	zealand	PROPN
fsr-4317	4	13	chapter	chapter	NOUN
fsr-4317	4	14	,	,	PUNCT
fsr-4317	4	15	dr	dr	PROPN
fsr-4317	4	16	.	.	PROPN
fsr-4317	4	17	sinnewe	sinnewe	PROPN
fsr-4317	4	18	has	have	AUX
fsr-4317	4	19	demonstrated	demonstrate	VERB
fsr-4317	4	20	a	a	DET
fsr-4317	4	21	clear	clear	ADJ
fsr-4317	4	22	commitment	commitment	NOUN
fsr-4317	4	23	to	to	ADP
fsr-4317	4	24	fostering	foster	VERB
fsr-4317	4	25	academic	academic	ADJ
fsr-4317	4	26	excellence	excellence	NOUN
fsr-4317	4	27	and	and	CCONJ
fsr-4317	4	28	industry	industry	NOUN
fsr-4317	4	29	collaboration	collaboration	NOUN
fsr-4317	4	30	—	—	PUNCT
fsr-4317	4	31	organizing	organize	VERB
fsr-4317	4	32	impactful	impactful	ADJ
fsr-4317	4	33	symposiums	symposium	NOUN
fsr-4317	4	34	,	,	PUNCT
fsr-4317	4	35	establishing	establish	VERB
fsr-4317	4	36	research	research	NOUN
fsr-4317	4	37	excellence	excellence	NOUN
fsr-4317	4	38	awards	award	NOUN
fsr-4317	4	39	,	,	PUNCT
fsr-4317	4	40	and	and	CCONJ
fsr-4317	4	41	facilitating	facilitate	VERB
fsr-4317	4	42	expert	expert	NOUN
fsr-4317	4	43	panels	panel	NOUN
fsr-4317	4	44	on	on	ADP
fsr-4317	4	45	emerging	emerge	VERB
fsr-4317	4	46	issues	issue	NOUN
fsr-4317	4	47	in	in	ADP
fsr-4317	4	48	financial	financial	ADJ
fsr-4317	4	49	planning	planning	NOUN
fsr-4317	4	50	.	.	PUNCT
fsr-4317	5	1	dr	dr	PROPN
fsr-4317	5	2	.	.	PROPN
fsr-4317	5	3	sinnewe	sinnewe	PROPN
fsr-4317	5	4	’s	’s	PART
fsr-4317	5	5	editorial	editorial	ADJ
fsr-4317	5	6	experience	experience	NOUN
fsr-4317	5	7	and	and	CCONJ
fsr-4317	5	8	dedication	dedication	NOUN
fsr-4317	5	9	to	to	ADP
fsr-4317	5	10	expanding	expand	VERB
fsr-4317	5	11	fsr	fsr	PROPN
fsr-4317	5	12	’s	’s	PART
fsr-4317	5	13	reach	reach	NOUN
fsr-4317	5	14	and	and	CCONJ
fsr-4317	5	15	engagement	engagement	NOUN
fsr-4317	5	16	make	make	VERB
fsr-4317	5	17	her	she	PRON
fsr-4317	5	18	uniquely	uniquely	ADV
fsr-4317	5	19	suited	suited	ADJ
fsr-4317	5	20	to	to	PART
fsr-4317	5	21	guide	guide	VERB
fsr-4317	5	22	fsr	fsr	PROPN
fsr-4317	5	23	into	into	ADP
fsr-4317	5	24	the	the	DET
fsr-4317	5	25	future	future	NOUN
fsr-4317	5	26	.	.	PUNCT
fsr-4317	6	1	i	i	PRON
fsr-4317	6	2	am	be	AUX
fsr-4317	6	3	particularly	particularly	ADV
fsr-4317	6	4	excited	excited	ADJ
fsr-4317	6	5	about	about	ADP
fsr-4317	6	6	dr	dr	PROPN
fsr-4317	6	7	.	.	PROPN
fsr-4317	6	8	sinnewe	sinnewe	PROPN
fsr-4317	6	9	’s	’s	PART
fsr-4317	6	10	plans	plan	NOUN
fsr-4317	6	11	to	to	PART
fsr-4317	6	12	elevate	elevate	VERB
fsr-4317	6	13	research	research	NOUN
fsr-4317	6	14	quality	quality	NOUN
fsr-4317	6	15	,	,	PUNCT
fsr-4317	6	16	broaden	broaden	VERB
fsr-4317	6	17	interdisciplinary	interdisciplinary	ADJ
fsr-4317	6	18	connections	connection	NOUN
fsr-4317	6	19	,	,	PUNCT
fsr-4317	6	20	and	and	CCONJ
fsr-4317	6	21	explore	explore	VERB
fsr-4317	6	22	innovative	innovative	ADJ
fsr-4317	6	23	dissemination	dissemination	NOUN
fsr-4317	6	24	strategies	strategy	NOUN
fsr-4317	6	25	that	that	PRON
fsr-4317	6	26	will	will	AUX
fsr-4317	6	27	enhance	enhance	VERB
fsr-4317	6	28	the	the	DET
fsr-4317	6	29	journal	journal	NOUN
fsr-4317	6	30	’s	’s	PART
fsr-4317	6	31	impact	impact	NOUN
fsr-4317	6	32	and	and	CCONJ
fsr-4317	6	33	visibility	visibility	NOUN
fsr-4317	6	34	.	.	PUNCT
fsr-4317	7	1	i	i	PRON
fsr-4317	7	2	am	be	AUX
fsr-4317	7	3	also	also	ADV
fsr-4317	7	4	pleased	pleased	ADJ
fsr-4317	7	5	to	to	PART
fsr-4317	7	6	present	present	VERB
fsr-4317	7	7	the	the	DET
fsr-4317	7	8	papers	paper	NOUN
fsr-4317	7	9	in	in	ADP
fsr-4317	7	10	this	this	DET
fsr-4317	7	11	issue	issue	NOUN
fsr-4317	7	12	of	of	ADP
fsr-4317	7	13	fsr	fsr	PROPN
fsr-4317	7	14	.	.	PUNCT
fsr-4317	8	1	the	the	DET
fsr-4317	8	2	first	first	ADJ
fsr-4317	8	3	paper	paper	NOUN
fsr-4317	8	4	(	(	PUNCT
fsr-4317	8	5	psychophysiological	psychophysiological	ADJ
fsr-4317	8	6	finance	finance	NOUN
fsr-4317	8	7	and	and	CCONJ
fsr-4317	8	8	intelligent	intelligent	ADJ
fsr-4317	8	9	wellness	wellness	NOUN
fsr-4317	8	10	:	:	PUNCT
fsr-4317	8	11	a	a	DET
fsr-4317	8	12	new	new	ADJ
fsr-4317	8	13	financial	financial	ADJ
fsr-4317	8	14	planning	planning	NOUN
fsr-4317	8	15	practice	practice	NOUN
fsr-4317	8	16	model	model	NOUN
fsr-4317	8	17	)	)	PUNCT
fsr-4317	8	18	was	be	AUX
fsr-4317	8	19	written	write	VERB
fsr-4317	8	20	by	by	ADP
fsr-4317	8	21	robert	robert	PROPN
fsr-4317	8	22	hanlon	hanlon	PROPN
fsr-4317	8	23	,	,	PUNCT
fsr-4317	8	24	paul	paul	PROPN
fsr-4317	8	25	leher	leher	PROPN
fsr-4317	8	26	,	,	PUNCT
fsr-4317	8	27	alexander	alexander	PROPN
fsr-4317	8	28	cohen	cohen	PROPN
fsr-4317	8	29	,	,	PUNCT
fsr-4317	8	30	eric	eric	PROPN
fsr-4317	8	31	miller	miller	PROPN
fsr-4317	8	32	,	,	PUNCT
fsr-4317	8	33	monte	monte	PROPN
fsr-4317	8	34	hancock	hancock	PROPN
fsr-4317	8	35	,	,	PUNCT
fsr-4317	8	36	and	and	CCONJ
fsr-4317	8	37	robert	robert	PROPN
fsr-4317	8	38	mitchell	mitchell	PROPN
fsr-4317	8	39	.	.	PUNCT
fsr-4317	9	1	in	in	ADP
fsr-4317	9	2	this	this	DET
fsr-4317	9	3	invited	invite	VERB
fsr-4317	9	4	paper	paper	NOUN
fsr-4317	9	5	,	,	PUNCT
fsr-4317	9	6	the	the	DET
fsr-4317	9	7	authors	author	NOUN
fsr-4317	9	8	point	point	VERB
fsr-4317	9	9	out	out	ADP
fsr-4317	9	10	that	that	SCONJ
fsr-4317	9	11	cfp	cfp	PROPN
fsr-4317	9	12	®	®	NOUN
fsr-4317	9	13	board	board	NOUN
fsr-4317	9	14	requires	require	VERB
fsr-4317	9	15	certificants	certificant	NOUN
fsr-4317	9	16	to	to	PART
fsr-4317	9	17	recognize	recognize	VERB
fsr-4317	9	18	and	and	CCONJ
fsr-4317	9	19	address	address	VERB
fsr-4317	9	20	client	client	NOUN
fsr-4317	9	21	attitudes	attitude	NOUN
fsr-4317	9	22	,	,	PUNCT
fsr-4317	9	23	behaviors	behavior	NOUN
fsr-4317	9	24	,	,	PUNCT
fsr-4317	9	25	and	and	CCONJ
fsr-4317	9	26	stress	stress	NOUN
fsr-4317	9	27	-	-	PUNCT
fsr-4317	9	28	related	relate	VERB
fsr-4317	9	29	factors	factor	NOUN
fsr-4317	9	30	that	that	PRON
fsr-4317	9	31	affect	affect	VERB
fsr-4317	9	32	financial	financial	ADJ
fsr-4317	9	33	decisions	decision	NOUN
fsr-4317	9	34	and	and	CCONJ
fsr-4317	9	35	well	well	ADV
fsr-4317	9	36	-	-	PUNCT
fsr-4317	9	37	being	being	NOUN
fsr-4317	9	38	.	.	PUNCT
fsr-4317	10	1	using	use	VERB
fsr-4317	10	2	this	this	PRON
fsr-4317	10	3	as	as	ADP
fsr-4317	10	4	a	a	DET
fsr-4317	10	5	framework	framework	NOUN
fsr-4317	10	6	,	,	PUNCT
fsr-4317	10	7	this	this	DET
fsr-4317	10	8	paper	paper	NOUN
fsr-4317	10	9	introduces	introduce	VERB
fsr-4317	10	10	a	a	DET
fsr-4317	10	11	new	new	ADJ
fsr-4317	10	12	advice	advice	NOUN
fsr-4317	10	13	-	-	PUNCT
fsr-4317	10	14	delivery	delivery	NOUN
fsr-4317	10	15	model	model	NOUN
fsr-4317	10	16	that	that	PRON
fsr-4317	10	17	integrates	integrate	VERB
fsr-4317	10	18	psychophysiology	psychophysiology	NOUN
fsr-4317	10	19	,	,	PUNCT
fsr-4317	10	20	mobile	mobile	ADJ
fsr-4317	10	21	health	health	NOUN
fsr-4317	10	22	,	,	PUNCT
fsr-4317	10	23	and	and	CCONJ
fsr-4317	10	24	psychology	psychology	NOUN
fsr-4317	10	25	with	with	ADP
fsr-4317	10	26	traditional	traditional	ADJ
fsr-4317	10	27	financial	financial	ADJ
fsr-4317	10	28	planning	planning	NOUN
fsr-4317	10	29	to	to	PART
fsr-4317	10	30	help	help	VERB
fsr-4317	10	31	reduce	reduce	VERB
fsr-4317	10	32	stress	stress	NOUN
fsr-4317	10	33	and	and	CCONJ
fsr-4317	10	34	enhance	enhance	VERB
fsr-4317	10	35	client	client	NOUN
fsr-4317	10	36	outcomes	outcome	NOUN
fsr-4317	10	37	.	.	PUNCT
fsr-4317	11	1	the	the	DET
fsr-4317	11	2	second	second	ADJ
fsr-4317	11	3	paper	paper	NOUN
fsr-4317	11	4	(	(	PUNCT
fsr-4317	11	5	consumers	consumer	NOUN
fsr-4317	11	6	'	'	PART
fsr-4317	11	7	basic	basic	ADJ
fsr-4317	11	8	bank	bank	NOUN
fsr-4317	11	9	account	account	NOUN
fsr-4317	11	10	complaints	complaint	NOUN
fsr-4317	11	11	and	and	CCONJ
fsr-4317	11	12	their	their	PRON
fsr-4317	11	13	financial	financial	ADJ
fsr-4317	11	14	hardships	hardship	NOUN
fsr-4317	11	15	:	:	PUNCT
fsr-4317	11	16	a	a	DET
fsr-4317	11	17	content	content	NOUN
fsr-4317	11	18	analysis	analysis	NOUN
fsr-4317	11	19	of	of	ADP
fsr-4317	11	20	complaints	complaint	NOUN
fsr-4317	11	21	filed	file	VERB
fsr-4317	11	22	with	with	ADP
fsr-4317	11	23	the	the	DET
fsr-4317	11	24	consumer	consumer	NOUN
fsr-4317	11	25	financial	financial	PROPN
fsr-4317	11	26	protection	protection	PROPN
fsr-4317	11	27	bureau	bureau	PROPN
fsr-4317	11	28	(	(	PUNCT
fsr-4317	11	29	cfpb	cfpb	NOUN
fsr-4317	11	30	)	)	PUNCT
fsr-4317	11	31	)	)	PUNCT
fsr-4317	11	32	,	,	PUNCT
fsr-4317	11	33	written	write	VERB
fsr-4317	11	34	by	by	ADP
fsr-4317	11	35	julie	julie	PROPN
fsr-4317	11	36	birkenmaier	birkenmaier	PROPN
fsr-4317	11	37	and	and	CCONJ
fsr-4317	11	38	hope	hope	NOUN
fsr-4317	11	39	stratman	stratman	NOUN
fsr-4317	11	40	,	,	PUNCT
fsr-4317	11	41	analyzes	analyze	VERB
fsr-4317	11	42	consumer	consumer	NOUN
fsr-4317	11	43	complaints	complaint	NOUN
fsr-4317	11	44	to	to	ADP
fsr-4317	11	45	the	the	DET
fsr-4317	11	46	cfpb	cfpb	NOUN
fsr-4317	11	47	to	to	PART
fsr-4317	11	48	identify	identify	VERB
fsr-4317	11	49	key	key	ADJ
fsr-4317	11	50	banking	banking	NOUN
fsr-4317	11	51	issues	issue	NOUN
fsr-4317	11	52	—	—	PUNCT
fsr-4317	11	53	such	such	ADJ
fsr-4317	11	54	as	as	ADP
fsr-4317	11	55	fraud	fraud	NOUN
fsr-4317	11	56	,	,	PUNCT
fsr-4317	11	57	atm	atm	NOUN
fsr-4317	11	58	malfunctions	malfunction	NOUN
fsr-4317	11	59	,	,	PUNCT
fsr-4317	11	60	and	and	CCONJ
fsr-4317	11	61	poor	poor	ADJ
fsr-4317	11	62	customer	customer	NOUN
fsr-4317	11	63	service	service	NOUN
fsr-4317	11	64	—	—	PUNCT
fsr-4317	11	65	that	that	PRON
fsr-4317	11	66	increase	increase	VERB
fsr-4317	11	67	the	the	DET
fsr-4317	11	68	likelihood	likelihood	NOUN
fsr-4317	11	69	of	of	ADP
fsr-4317	11	70	financial	financial	ADJ
fsr-4317	11	71	hardship	hardship	NOUN
fsr-4317	11	72	.	.	PUNCT
fsr-4317	12	1	findings	finding	NOUN
fsr-4317	12	2	suggest	suggest	VERB
fsr-4317	12	3	financial	financial	ADJ
fsr-4317	12	4	institutions	institution	NOUN
fsr-4317	12	5	can	can	AUX
fsr-4317	12	6	mitigate	mitigate	VERB
fsr-4317	12	7	these	these	DET
fsr-4317	12	8	issues	issue	NOUN
fsr-4317	12	9	through	through	ADP
fsr-4317	12	10	targeted	target	VERB
fsr-4317	12	11	policy	policy	NOUN
fsr-4317	12	12	changes	change	NOUN
fsr-4317	12	13	and	and	CCONJ
fsr-4317	12	14	improved	improve	VERB
fsr-4317	12	15	customer	customer	NOUN
fsr-4317	12	16	service	service	NOUN
fsr-4317	12	17	practices	practice	NOUN
fsr-4317	12	18	.	.	PUNCT
fsr-4317	13	1	the	the	DET
fsr-4317	13	2	third	third	ADJ
fsr-4317	13	3	paper	paper	NOUN
fsr-4317	13	4	(	(	PUNCT
fsr-4317	13	5	exploring	explore	VERB
fsr-4317	13	6	the	the	DET
fsr-4317	13	7	effect	effect	NOUN
fsr-4317	13	8	of	of	ADP
fsr-4317	13	9	federal	federal	ADJ
fsr-4317	13	10	student	student	NOUN
fsr-4317	13	11	loan	loan	NOUN
fsr-4317	13	12	payment	payment	NOUN
fsr-4317	13	13	resumption	resumption	NOUN
fsr-4317	13	14	on	on	ADP
fsr-4317	13	15	borrowers	borrower	NOUN
fsr-4317	13	16	through	through	ADP
fsr-4317	13	17	sentiment	sentiment	NOUN
fsr-4317	13	18	and	and	CCONJ
fsr-4317	13	19	textual	textual	ADJ
fsr-4317	13	20	analysis	analysis	NOUN
fsr-4317	13	21	using	use	VERB
fsr-4317	13	22	x	x	PRON
fsr-4317	13	23	)	)	PUNCT
fsr-4317	13	24	was	be	AUX
fsr-4317	13	25	written	write	VERB
fsr-4317	13	26	by	by	ADP
fsr-4317	13	27	jason	jason	PROPN
fsr-4317	13	28	n.	n.	PROPN
fsr-4317	13	29	anderson	anderson	PROPN
fsr-4317	13	30	,	,	PUNCT
fsr-4317	13	31	donovan	donovan	PROPN
fsr-4317	13	32	sanchez	sanchez	PROPN
fsr-4317	13	33	,	,	PUNCT
fsr-4317	13	34	juan	juan	PROPN
fsr-4317	13	35	e.	e.	PROPN
fsr-4317	13	36	gallardo	gallardo	PROPN
fsr-4317	13	37	,	,	PUNCT
fsr-4317	13	38	derek	derek	PROPN
fsr-4317	13	39	lawson	lawson	PROPN
fsr-4317	13	40	,	,	PUNCT
fsr-4317	13	41	and	and	CCONJ
fsr-4317	13	42	congrong	congrong	ADJ
fsr-4317	13	43	ouyang	ouyang	PROPN
fsr-4317	13	44	.	.	PUNCT
fsr-4317	14	1	the	the	DET
fsr-4317	14	2	authors	author	NOUN
fsr-4317	14	3	analyzed	analyze	VERB
fsr-4317	14	4	x	x	PUNCT
fsr-4317	14	5	(	(	PUNCT
fsr-4317	14	6	formerly	formerly	ADV
fsr-4317	14	7	twitter	twitter	NOUN
fsr-4317	14	8	)	)	PUNCT
fsr-4317	14	9	data	datum	NOUN
fsr-4317	14	10	.	.	PUNCT
fsr-4317	15	1	they	they	PRON
fsr-4317	15	2	found	find	VERB
fsr-4317	15	3	negative	negative	ADJ
fsr-4317	15	4	sentiment	sentiment	NOUN
fsr-4317	15	5	around	around	ADP
fsr-4317	15	6	student	student	NOUN
fsr-4317	15	7	loans	loan	NOUN
fsr-4317	15	8	surged	surge	VERB
fsr-4317	15	9	during	during	ADP
fsr-4317	15	10	the	the	DET
fsr-4317	15	11	october	october	PROPN
fsr-4317	15	12	2023	2023	NUM
fsr-4317	15	13	payment	payment	NOUN
fsr-4317	15	14	restart	restart	NOUN
fsr-4317	15	15	,	,	PUNCT
fsr-4317	15	16	with	with	ADP
fsr-4317	15	17	46	46	NUM
fsr-4317	15	18	%	%	NOUN
fsr-4317	15	19	of	of	ADP
fsr-4317	15	20	mentions	mention	NOUN
fsr-4317	15	21	being	be	AUX
fsr-4317	15	22	negative	negative	ADJ
fsr-4317	15	23	and	and	CCONJ
fsr-4317	15	24	only	only	ADV
fsr-4317	15	25	1	1	NUM
fsr-4317	15	26	%	%	NOUN
fsr-4317	15	27	positive	positive	ADJ
fsr-4317	15	28	.	.	PUNCT
fsr-4317	16	1	the	the	DET
fsr-4317	16	2	results	result	NOUN
fsr-4317	16	3	suggest	suggest	VERB
fsr-4317	16	4	financial	financial	ADJ
fsr-4317	16	5	planners	planner	NOUN
fsr-4317	16	6	should	should	AUX
fsr-4317	16	7	be	be	AUX
fsr-4317	16	8	prepared	prepare	VERB
fsr-4317	16	9	to	to	PART
fsr-4317	16	10	support	support	VERB
fsr-4317	16	11	borrowers	borrower	NOUN
fsr-4317	16	12	emotionally	emotionally	ADV
fsr-4317	16	13	in	in	ADP
fsr-4317	16	14	addition	addition	NOUN
fsr-4317	16	15	to	to	ADP
fsr-4317	16	16	offering	offer	VERB
fsr-4317	16	17	financial	financial	ADJ
fsr-4317	16	18	guidance	guidance	NOUN
fsr-4317	16	19	.	.	PUNCT
fsr-4317	17	1	the	the	DET
fsr-4317	17	2	next	next	ADJ
fsr-4317	17	3	paper	paper	NOUN
fsr-4317	17	4	in	in	ADP
fsr-4317	17	5	this	this	DET
fsr-4317	17	6	issue	issue	NOUN
fsr-4317	17	7	(	(	PUNCT
fsr-4317	17	8	consumer	consumer	NOUN
fsr-4317	17	9	margin	margin	NOUN
fsr-4317	17	10	use	use	NOUN
fsr-4317	17	11	:	:	PUNCT
fsr-4317	17	12	understanding	understand	VERB
fsr-4317	17	13	the	the	DET
fsr-4317	17	14	role	role	NOUN
fsr-4317	17	15	of	of	ADP
fsr-4317	17	16	peer	peer	NOUN
fsr-4317	17	17	influence	influence	NOUN
fsr-4317	17	18	,	,	PUNCT
fsr-4317	17	19	investment	investment	NOUN
fsr-4317	17	20	literacy	literacy	NOUN
fsr-4317	17	21	,	,	PUNCT
fsr-4317	17	22	and	and	CCONJ
fsr-4317	17	23	age	age	NOUN
fsr-4317	17	24	)	)	PUNCT
fsr-4317	17	25	,	,	PUNCT
fsr-4317	17	26	written	write	VERB
fsr-4317	17	27	by	by	ADP
fsr-4317	17	28	kaplan	kaplan	PROPN
fsr-4317	17	29	sanders	sanders	PROPN
fsr-4317	17	30	and	and	CCONJ
fsr-4317	17	31	olamide	olamide	ADP
fsr-4317	17	32	olajide	olajide	NOUN
fsr-4317	17	33	,	,	PUNCT
fsr-4317	17	34	used	use	VERB
fsr-4317	17	35	data	datum	NOUN
fsr-4317	17	36	from	from	ADP
fsr-4317	17	37	the	the	DET
fsr-4317	17	38	2021	2021	NUM
fsr-4317	17	39	national	national	ADJ
fsr-4317	17	40	financial	financial	ADJ
fsr-4317	17	41	capability	capability	NOUN
fsr-4317	17	42	study	study	NOUN
fsr-4317	17	43	to	to	PART
fsr-4317	17	44	examine	examine	VERB
fsr-4317	17	45	household	household	NOUN
fsr-4317	17	46	margin	margin	NOUN
fsr-4317	17	47	use	use	NOUN
fsr-4317	17	48	,	,	PUNCT
fsr-4317	17	49	finding	find	VERB
fsr-4317	17	50	that	that	DET
fsr-4317	17	51	peer	peer	NOUN
fsr-4317	17	52	influence	influence	NOUN
fsr-4317	17	53	,	,	PUNCT
fsr-4317	17	54	youth	youth	NOUN
fsr-4317	17	55	,	,	PUNCT
fsr-4317	17	56	and	and	CCONJ
fsr-4317	17	57	higher	high	ADJ
fsr-4317	17	58	investment	investment	NOUN
fsr-4317	17	59	literacy	literacy	NOUN
fsr-4317	17	60	are	be	AUX
fsr-4317	17	61	associated	associate	VERB
fsr-4317	17	62	with	with	ADP
fsr-4317	17	63	a	a	DET
fsr-4317	17	64	greater	great	ADJ
fsr-4317	17	65	likelihood	likelihood	NOUN
fsr-4317	17	66	of	of	ADP
fsr-4317	17	67	buying	buy	VERB
fsr-4317	17	68	on	on	ADP
fsr-4317	17	69	margin	margin	NOUN
fsr-4317	17	70	.	.	PUNCT
fsr-4317	18	1	the	the	DET
fsr-4317	18	2	results	result	NOUN
fsr-4317	18	3	offer	offer	VERB
fsr-4317	18	4	insights	insight	NOUN
fsr-4317	18	5	for	for	ADP
fsr-4317	18	6	policymakers	policymaker	NOUN
fsr-4317	18	7	and	and	CCONJ
fsr-4317	18	8	financial	financial	ADJ
fsr-4317	18	9	advisors	advisor	NOUN
fsr-4317	18	10	to	to	PART
fsr-4317	18	11	understand	understand	VERB
fsr-4317	18	12	consumer	consumer	NOUN
fsr-4317	18	13	borrowing	borrowing	NOUN
fsr-4317	18	14	behaviors	behavior	NOUN
fsr-4317	18	15	.	.	PUNCT
fsr-4317	19	1	financial	financial	ADJ
fsr-4317	19	2	services	service	NOUN
fsr-4317	19	3	review	review	PROPN
fsr-4317	19	4	,	,	PUNCT
fsr-4317	19	5	33(2	33(2	NUM
fsr-4317	19	6	)	)	PUNCT
fsr-4317	19	7	ii	ii	PROPN
fsr-4317	19	8	stuart	stuart	PROPN
fsr-4317	19	9	heckman	heckman	PROPN
fsr-4317	19	10	,	,	PUNCT
fsr-4317	19	11	jodi	jodi	PROPN
fsr-4317	19	12	letkiewicz	letkiewicz	PROPN
fsr-4317	19	13	,	,	PUNCT
fsr-4317	19	14	and	and	CCONJ
fsr-4317	19	15	hanna	hanna	PROPN
fsr-4317	19	16	lim	lim	PROPN
fsr-4317	19	17	wrote	write	VERB
fsr-4317	19	18	the	the	DET
fsr-4317	19	19	fifth	fifth	ADJ
fsr-4317	19	20	paper	paper	NOUN
fsr-4317	19	21	(	(	PUNCT
fsr-4317	19	22	student	student	NOUN
fsr-4317	19	23	willingness	willingness	NOUN
fsr-4317	19	24	to	to	PART
fsr-4317	19	25	borrow	borrow	VERB
fsr-4317	19	26	for	for	ADP
fsr-4317	19	27	higher	high	ADJ
fsr-4317	19	28	education	education	NOUN
fsr-4317	19	29	)	)	PUNCT
fsr-4317	19	30	.	.	PUNCT
fsr-4317	20	1	this	this	DET
fsr-4317	20	2	research	research	NOUN
fsr-4317	20	3	team	team	NOUN
fsr-4317	20	4	applied	apply	VERB
fsr-4317	20	5	a	a	DET
fsr-4317	20	6	human	human	ADJ
fsr-4317	20	7	capital	capital	NOUN
fsr-4317	20	8	model	model	NOUN
fsr-4317	20	9	to	to	PART
fsr-4317	20	10	analyze	analyze	VERB
fsr-4317	20	11	college	college	NOUN
fsr-4317	20	12	students	student	NOUN
fsr-4317	20	13	'	'	PART
fsr-4317	20	14	willingness	willingness	NOUN
fsr-4317	20	15	to	to	PART
fsr-4317	20	16	borrow	borrow	VERB
fsr-4317	20	17	for	for	ADP
fsr-4317	20	18	education	education	NOUN
fsr-4317	20	19	,	,	PUNCT
fsr-4317	20	20	using	use	VERB
fsr-4317	20	21	data	datum	NOUN
fsr-4317	20	22	from	from	ADP
fsr-4317	20	23	the	the	DET
fsr-4317	20	24	2020	2020	NUM
fsr-4317	20	25	study	study	NOUN
fsr-4317	20	26	on	on	ADP
fsr-4317	20	27	collegiate	collegiate	ADJ
fsr-4317	20	28	financial	financial	ADJ
fsr-4317	20	29	wellness	wellness	NOUN
fsr-4317	20	30	.	.	PUNCT
fsr-4317	21	1	findings	finding	NOUN
fsr-4317	21	2	show	show	VERB
fsr-4317	21	3	that	that	SCONJ
fsr-4317	21	4	borrowing	borrowing	NOUN
fsr-4317	21	5	decisions	decision	NOUN
fsr-4317	21	6	align	align	VERB
fsr-4317	21	7	with	with	ADP
fsr-4317	21	8	rational	rational	ADJ
fsr-4317	21	9	human	human	ADJ
fsr-4317	21	10	capital	capital	NOUN
fsr-4317	21	11	theory	theory	NOUN
fsr-4317	21	12	,	,	PUNCT
fsr-4317	21	13	with	with	ADP
fsr-4317	21	14	higher	high	ADJ
fsr-4317	21	15	tuition	tuition	NOUN
fsr-4317	21	16	,	,	PUNCT
fsr-4317	21	17	career	career	NOUN
fsr-4317	21	18	goals	goal	NOUN
fsr-4317	21	19	,	,	PUNCT
fsr-4317	21	20	and	and	CCONJ
fsr-4317	21	21	expected	expect	VERB
fsr-4317	21	22	earnings	earning	NOUN
fsr-4317	21	23	increasing	increase	VERB
fsr-4317	21	24	borrowing	borrowing	NOUN
fsr-4317	21	25	willingness	willingness	NOUN
fsr-4317	21	26	,	,	PUNCT
fsr-4317	21	27	while	while	SCONJ
fsr-4317	21	28	higher	high	ADJ
fsr-4317	21	29	income	income	NOUN
fsr-4317	21	30	and	and	CCONJ
fsr-4317	21	31	alternative	alternative	ADJ
fsr-4317	21	32	financial	financial	ADJ
fsr-4317	21	33	support	support	NOUN
fsr-4317	21	34	reduce	reduce	VERB
fsr-4317	21	35	it	it	PRON
fsr-4317	21	36	.	.	PUNCT
fsr-4317	22	1	efthymia	efthymia	NOUN
fsr-4317	22	2	antonoudi	antonoudi	PROPN
fsr-4317	22	3	,	,	PUNCT
fsr-4317	22	4	genti	genti	PROPN
fsr-4317	22	5	kostandini	kostandini	PROPN
fsr-4317	22	6	,	,	PUNCT
fsr-4317	22	7	and	and	CCONJ
fsr-4317	22	8	hanna	hanna	PROPN
fsr-4317	22	9	lim	lim	PROPN
fsr-4317	22	10	authored	author	VERB
fsr-4317	22	11	the	the	DET
fsr-4317	22	12	next	next	ADJ
fsr-4317	22	13	paper	paper	NOUN
fsr-4317	22	14	(	(	PUNCT
fsr-4317	22	15	immigration	immigration	NOUN
fsr-4317	22	16	law	law	NOUN
fsr-4317	22	17	enforcement	enforcement	NOUN
fsr-4317	22	18	and	and	CCONJ
fsr-4317	22	19	immigrant	immigrant	ADJ
fsr-4317	22	20	homeownership	homeownership	NOUN
fsr-4317	22	21	)	)	PUNCT
fsr-4317	22	22	.	.	PUNCT
fsr-4317	23	1	they	they	PRON
fsr-4317	23	2	used	use	VERB
fsr-4317	23	3	american	american	ADJ
fsr-4317	23	4	community	community	NOUN
fsr-4317	23	5	survey	survey	NOUN
fsr-4317	23	6	data	datum	NOUN
fsr-4317	23	7	and	and	CCONJ
fsr-4317	23	8	a	a	DET
fsr-4317	23	9	difference	difference	NOUN
fsr-4317	23	10	-	-	PUNCT
fsr-4317	23	11	in	in	ADP
fsr-4317	23	12	-	-	PUNCT
fsr-4317	23	13	differences	difference	NOUN
fsr-4317	23	14	model	model	NOUN
fsr-4317	23	15	to	to	PART
fsr-4317	23	16	determine	determine	VERB
fsr-4317	23	17	that	that	PRON
fsr-4317	23	18	287(g	287(g	PROPN
fsr-4317	23	19	)	)	PUNCT
fsr-4317	23	20	immigration	immigration	NOUN
fsr-4317	23	21	enforcement	enforcement	NOUN
fsr-4317	23	22	agreements	agreement	NOUN
fsr-4317	23	23	significantly	significantly	ADV
fsr-4317	23	24	reduce	reduce	VERB
fsr-4317	23	25	homeownership	homeownership	NOUN
fsr-4317	23	26	rates	rate	NOUN
fsr-4317	23	27	,	,	PUNCT
fsr-4317	23	28	especially	especially	ADV
fsr-4317	23	29	among	among	ADP
fsr-4317	23	30	less	less	ADV
fsr-4317	23	31	-	-	PUNCT
fsr-4317	23	32	educated	educate	VERB
fsr-4317	23	33	,	,	PUNCT
fsr-4317	23	34	u.s.-born	u.s.-born	ADJ
fsr-4317	23	35	hispanics	hispanics	PROPN
fsr-4317	23	36	in	in	ADP
fsr-4317	23	37	states	state	NOUN
fsr-4317	23	38	without	without	ADP
fsr-4317	23	39	everify	everify	NOUN
fsr-4317	23	40	laws	law	NOUN
fsr-4317	23	41	.	.	PUNCT
fsr-4317	24	1	while	while	SCONJ
fsr-4317	24	2	the	the	DET
fsr-4317	24	3	secure	secure	ADJ
fsr-4317	24	4	communities	community	NOUN
fsr-4317	24	5	program	program	NOUN
fsr-4317	24	6	shows	show	VERB
fsr-4317	24	7	mixed	mixed	ADJ
fsr-4317	24	8	effects	effect	NOUN
fsr-4317	24	9	,	,	PUNCT
fsr-4317	24	10	the	the	DET
fsr-4317	24	11	overall	overall	ADJ
fsr-4317	24	12	results	result	NOUN
fsr-4317	24	13	emphasize	emphasize	VERB
fsr-4317	24	14	how	how	SCONJ
fsr-4317	24	15	immigration	immigration	NOUN
fsr-4317	24	16	policies	policy	NOUN
fsr-4317	24	17	can	can	AUX
fsr-4317	24	18	unintentionally	unintentionally	ADV
fsr-4317	24	19	affect	affect	VERB
fsr-4317	24	20	housing	housing	NOUN
fsr-4317	24	21	stability	stability	NOUN
fsr-4317	24	22	and	and	CCONJ
fsr-4317	24	23	economic	economic	ADJ
fsr-4317	24	24	integration	integration	NOUN
fsr-4317	24	25	.	.	PUNCT
fsr-4317	25	1	the	the	DET
fsr-4317	25	2	sixth	sixth	ADJ
fsr-4317	25	3	paper	paper	NOUN
fsr-4317	25	4	in	in	ADP
fsr-4317	25	5	this	this	DET
fsr-4317	25	6	issue	issue	NOUN
fsr-4317	25	7	(	(	PUNCT
fsr-4317	25	8	the	the	DET
fsr-4317	25	9	association	association	NOUN
fsr-4317	25	10	of	of	ADP
fsr-4317	25	11	cryptocurrency	cryptocurrency	NOUN
fsr-4317	25	12	and	and	CCONJ
fsr-4317	25	13	the	the	DET
fsr-4317	25	14	use	use	NOUN
fsr-4317	25	15	of	of	ADP
fsr-4317	25	16	alternative	alternative	ADJ
fsr-4317	25	17	financial	financial	ADJ
fsr-4317	25	18	services	service	NOUN
fsr-4317	25	19	)	)	PUNCT
fsr-4317	25	20	,	,	PUNCT
fsr-4317	25	21	written	write	VERB
fsr-4317	25	22	by	by	ADP
fsr-4317	25	23	david	david	PROPN
fsr-4317	25	24	smith	smith	PROPN
fsr-4317	25	25	and	and	CCONJ
fsr-4317	25	26	gary	gary	PROPN
fsr-4317	25	27	curnutt	curnutt	PROPN
fsr-4317	25	28	,	,	PUNCT
fsr-4317	25	29	used	use	VERB
fsr-4317	25	30	data	datum	NOUN
fsr-4317	25	31	from	from	ADP
fsr-4317	25	32	the	the	DET
fsr-4317	25	33	2023	2023	NUM
fsr-4317	25	34	survey	survey	NOUN
fsr-4317	25	35	of	of	ADP
fsr-4317	25	36	household	household	NOUN
fsr-4317	25	37	economics	economic	NOUN
fsr-4317	25	38	and	and	CCONJ
fsr-4317	25	39	decisionmaking	decisionmake	VERB
fsr-4317	25	40	to	to	PART
fsr-4317	25	41	explore	explore	VERB
fsr-4317	25	42	how	how	SCONJ
fsr-4317	25	43	cryptocurrency	cryptocurrency	NOUN
fsr-4317	25	44	fits	fit	VERB
fsr-4317	25	45	into	into	ADP
fsr-4317	25	46	the	the	DET
fsr-4317	25	47	broader	broad	ADJ
fsr-4317	25	48	landscape	landscape	NOUN
fsr-4317	25	49	of	of	ADP
fsr-4317	25	50	alternative	alternative	ADJ
fsr-4317	25	51	financial	financial	ADJ
fsr-4317	25	52	services	service	NOUN
fsr-4317	25	53	(	(	PUNCT
fsr-4317	25	54	afs	afs	NOUN
fsr-4317	25	55	)	)	PUNCT
fsr-4317	25	56	.	.	PUNCT
fsr-4317	26	1	the	the	DET
fsr-4317	26	2	paper	paper	NOUN
fsr-4317	26	3	examines	examine	VERB
fsr-4317	26	4	whether	whether	SCONJ
fsr-4317	26	5	individuals	individual	NOUN
fsr-4317	26	6	who	who	PRON
fsr-4317	26	7	use	use	VERB
fsr-4317	26	8	cryptocurrency	cryptocurrency	NOUN
fsr-4317	26	9	for	for	ADP
fsr-4317	26	10	afs	afs	NOUN
fsr-4317	26	11	purposes	purpose	NOUN
fsr-4317	26	12	—	—	PUNCT
fsr-4317	26	13	such	such	ADJ
fsr-4317	26	14	as	as	ADP
fsr-4317	26	15	payments	payment	NOUN
fsr-4317	26	16	or	or	CCONJ
fsr-4317	26	17	sending	send	VERB
fsr-4317	26	18	money	money	NOUN
fsr-4317	26	19	—	—	PUNCT
fsr-4317	26	20	also	also	ADV
fsr-4317	26	21	use	use	VERB
fsr-4317	26	22	it	it	PRON
fsr-4317	26	23	for	for	ADP
fsr-4317	26	24	investing	investing	NOUN
fsr-4317	26	25	or	or	CCONJ
fsr-4317	26	26	other	other	ADJ
fsr-4317	26	27	afs	afs	NOUN
fsr-4317	26	28	-	-	PUNCT
fsr-4317	26	29	related	relate	VERB
fsr-4317	26	30	activities	activity	NOUN
fsr-4317	26	31	.	.	PUNCT
fsr-4317	27	1	the	the	DET
fsr-4317	27	2	next	next	ADJ
fsr-4317	27	3	paper	paper	NOUN
fsr-4317	27	4	(	(	PUNCT
fsr-4317	27	5	examining	examine	VERB
fsr-4317	27	6	the	the	DET
fsr-4317	27	7	gender	gender	NOUN
fsr-4317	27	8	gap	gap	NOUN
fsr-4317	27	9	in	in	ADP
fsr-4317	27	10	participation	participation	NOUN
fsr-4317	27	11	in	in	ADP
fsr-4317	27	12	employer	employer	NOUN
fsr-4317	27	13	-	-	PUNCT
fsr-4317	27	14	sponsored	sponsor	VERB
fsr-4317	27	15	retirement	retirement	NOUN
fsr-4317	27	16	plans	plan	NOUN
fsr-4317	27	17	:	:	PUNCT
fsr-4317	27	18	oaxaca	oaxaca	PROPN
fsr-4317	27	19	decomposition	decomposition	NOUN
fsr-4317	27	20	)	)	PUNCT
fsr-4317	27	21	was	be	AUX
fsr-4317	27	22	written	write	VERB
fsr-4317	27	23	by	by	ADP
fsr-4317	27	24	ferdous	ferdous	ADJ
fsr-4317	27	25	ahmmed	ahmmed	PROPN
fsr-4317	27	26	,	,	PUNCT
fsr-4317	27	27	charlene	charlene	PROPN
fsr-4317	27	28	marie	marie	PROPN
fsr-4317	27	29	kalenkoski	kalenkoski	PROPN
fsr-4317	27	30	,	,	PUNCT
fsr-4317	27	31	and	and	CCONJ
fsr-4317	27	32	christopher	christopher	PROPN
fsr-4317	27	33	m.	m.	PROPN
fsr-4317	27	34	browning	browning	PROPN
fsr-4317	27	35	.	.	PUNCT
fsr-4317	28	1	these	these	DET
fsr-4317	28	2	researchers	researcher	NOUN
fsr-4317	28	3	used	use	VERB
fsr-4317	28	4	2021	2021	NUM
fsr-4317	28	5	nfcs	nfc	NOUN
fsr-4317	28	6	data	datum	NOUN
fsr-4317	28	7	to	to	PART
fsr-4317	28	8	analyze	analyze	VERB
fsr-4317	28	9	gender	gender	NOUN
fsr-4317	28	10	differences	difference	NOUN
fsr-4317	28	11	in	in	ADP
fsr-4317	28	12	participation	participation	NOUN
fsr-4317	28	13	in	in	ADP
fsr-4317	28	14	employer	employer	NOUN
fsr-4317	28	15	-	-	PUNCT
fsr-4317	28	16	sponsored	sponsor	VERB
fsr-4317	28	17	retirement	retirement	NOUN
fsr-4317	28	18	plans	plan	NOUN
fsr-4317	28	19	and	and	CCONJ
fsr-4317	28	20	the	the	DET
fsr-4317	28	21	role	role	NOUN
fsr-4317	28	22	of	of	ADP
fsr-4317	28	23	financial	financial	ADJ
fsr-4317	28	24	literacy	literacy	NOUN
fsr-4317	28	25	.	.	PUNCT
fsr-4317	29	1	findings	finding	NOUN
fsr-4317	29	2	show	show	VERB
fsr-4317	29	3	that	that	SCONJ
fsr-4317	29	4	women	woman	NOUN
fsr-4317	29	5	not	not	PART
fsr-4317	29	6	only	only	ADV
fsr-4317	29	7	have	have	VERB
fsr-4317	29	8	lower	low	ADJ
fsr-4317	29	9	financial	financial	ADJ
fsr-4317	29	10	literacy	literacy	NOUN
fsr-4317	29	11	on	on	ADP
fsr-4317	29	12	average	average	ADJ
fsr-4317	29	13	but	but	CCONJ
fsr-4317	29	14	also	also	ADV
fsr-4317	29	15	receive	receive	VERB
fsr-4317	29	16	less	less	ADJ
fsr-4317	29	17	benefit	benefit	NOUN
fsr-4317	29	18	(	(	PUNCT
fsr-4317	29	19	or	or	CCONJ
fsr-4317	29	20	"	"	PUNCT
fsr-4317	29	21	return	return	VERB
fsr-4317	29	22	"	"	PUNCT
fsr-4317	29	23	)	)	PUNCT
fsr-4317	29	24	from	from	ADP
fsr-4317	29	25	that	that	DET
fsr-4317	29	26	literacy	literacy	NOUN
fsr-4317	29	27	compared	compare	VERB
fsr-4317	29	28	to	to	ADP
fsr-4317	29	29	men	man	NOUN
fsr-4317	29	30	,	,	PUNCT
fsr-4317	29	31	contributing	contribute	VERB
fsr-4317	29	32	to	to	ADP
fsr-4317	29	33	a	a	DET
fsr-4317	29	34	persistent	persistent	ADJ
fsr-4317	29	35	participation	participation	NOUN
fsr-4317	29	36	gap	gap	NOUN
fsr-4317	29	37	.	.	PUNCT
fsr-4317	30	1	this	this	DET
fsr-4317	30	2	issue	issue	NOUN
fsr-4317	30	3	concludes	conclude	VERB
fsr-4317	30	4	with	with	ADP
fsr-4317	30	5	a	a	DET
fsr-4317	30	6	paper	paper	NOUN
fsr-4317	30	7	(	(	PUNCT
fsr-4317	30	8	a	a	DET
fsr-4317	30	9	structured	structured	ADJ
fsr-4317	30	10	literature	literature	NOUN
fsr-4317	30	11	review	review	NOUN
fsr-4317	30	12	on	on	ADP
fsr-4317	30	13	equity	equity	NOUN
fsr-4317	30	14	in	in	ADP
fsr-4317	30	15	the	the	DET
fsr-4317	30	16	financial	financial	ADJ
fsr-4317	30	17	services	service	NOUN
fsr-4317	30	18	profession	profession	NOUN
fsr-4317	30	19	:	:	PUNCT
fsr-4317	30	20	unpacking	unpack	VERB
fsr-4317	30	21	gender	gender	NOUN
fsr-4317	30	22	barriers	barrier	NOUN
fsr-4317	30	23	and	and	CCONJ
fsr-4317	30	24	advancing	advance	VERB
fsr-4317	30	25	women	woman	NOUN
fsr-4317	30	26	's	's	PART
fsr-4317	30	27	participation	participation	NOUN
fsr-4317	30	28	globally	globally	ADV
fsr-4317	30	29	)	)	PUNCT
fsr-4317	30	30	written	write	VERB
fsr-4317	30	31	by	by	ADP
fsr-4317	30	32	tanya	tanya	PROPN
fsr-4317	30	33	staples	staples	PROPN
fsr-4317	30	34	,	,	PUNCT
fsr-4317	30	35	ashlyn	ashlyn	PROPN
fsr-4317	30	36	rollins	rollins	PROPN
fsr-4317	30	37	-	-	PUNCT
fsr-4317	30	38	koons	koon	NOUN
fsr-4317	30	39	,	,	PUNCT
fsr-4317	30	40	and	and	CCONJ
fsr-4317	30	41	megan	megan	PROPN
fsr-4317	30	42	mccoy	mccoy	PROPN
fsr-4317	30	43	.	.	PUNCT
fsr-4317	31	1	as	as	SCONJ
fsr-4317	31	2	noted	note	VERB
fsr-4317	31	3	by	by	ADP
fsr-4317	31	4	these	these	DET
fsr-4317	31	5	authors	author	NOUN
fsr-4317	31	6	,	,	PUNCT
fsr-4317	31	7	as	as	SCONJ
fsr-4317	31	8	women	woman	NOUN
fsr-4317	31	9	increasingly	increasingly	ADV
fsr-4317	31	10	control	control	VERB
fsr-4317	31	11	a	a	DET
fsr-4317	31	12	larger	large	ADJ
fsr-4317	31	13	share	share	NOUN
fsr-4317	31	14	of	of	ADP
fsr-4317	31	15	global	global	ADJ
fsr-4317	31	16	wealth	wealth	NOUN
fsr-4317	31	17	—	—	PUNCT
fsr-4317	31	18	projected	project	VERB
fsr-4317	31	19	to	to	PART
fsr-4317	31	20	reach	reach	VERB
fsr-4317	31	21	55	55	NUM
fsr-4317	31	22	%	%	NOUN
fsr-4317	31	23	by	by	ADP
fsr-4317	31	24	2030	2030	NUM
fsr-4317	31	25	—	—	PUNCT
fsr-4317	31	26	the	the	DET
fsr-4317	31	27	financial	financial	ADJ
fsr-4317	31	28	services	service	NOUN
fsr-4317	31	29	profession	profession	NOUN
fsr-4317	31	30	is	be	AUX
fsr-4317	31	31	shifting	shift	VERB
fsr-4317	31	32	toward	toward	ADP
fsr-4317	31	33	more	more	ADV
fsr-4317	31	34	holistic	holistic	ADJ
fsr-4317	31	35	,	,	PUNCT
fsr-4317	31	36	advice	advice	NOUN
fsr-4317	31	37	-	-	PUNCT
fsr-4317	31	38	driven	drive	VERB
fsr-4317	31	39	approaches	approach	NOUN
fsr-4317	31	40	.	.	PUNCT
fsr-4317	32	1	however	however	ADV
fsr-4317	32	2	,	,	PUNCT
fsr-4317	32	3	persistent	persistent	ADJ
fsr-4317	32	4	barriers	barrier	NOUN
fsr-4317	32	5	limit	limit	VERB
fsr-4317	32	6	women	woman	NOUN
fsr-4317	32	7	's	's	PART
fsr-4317	32	8	representation	representation	NOUN
fsr-4317	32	9	in	in	ADP
fsr-4317	32	10	financial	financial	ADJ
fsr-4317	32	11	advising	advising	NOUN
fsr-4317	32	12	,	,	PUNCT
fsr-4317	32	13	prompting	prompt	VERB
fsr-4317	32	14	a	a	DET
fsr-4317	32	15	call	call	NOUN
fsr-4317	32	16	for	for	ADP
fsr-4317	32	17	structural	structural	ADJ
fsr-4317	32	18	reforms	reform	NOUN
fsr-4317	32	19	,	,	PUNCT
fsr-4317	32	20	gender	gender	NOUN
fsr-4317	32	21	-	-	PUNCT
fsr-4317	32	22	conscious	conscious	ADJ
fsr-4317	32	23	policies	policy	NOUN
fsr-4317	32	24	,	,	PUNCT
fsr-4317	32	25	and	and	CCONJ
fsr-4317	32	26	inclusive	inclusive	ADJ
fsr-4317	32	27	practices	practice	NOUN
fsr-4317	32	28	to	to	PART
fsr-4317	32	29	better	well	ADV
fsr-4317	32	30	serve	serve	VERB
fsr-4317	32	31	diverse	diverse	ADJ
fsr-4317	32	32	clients	client	NOUN
fsr-4317	32	33	and	and	CCONJ
fsr-4317	32	34	support	support	VERB
fsr-4317	32	35	female	female	ADJ
fsr-4317	32	36	professionals	professional	NOUN
fsr-4317	32	37	.	.	PUNCT
fsr-4317	33	1	this	this	DET
fsr-4317	33	2	paper	paper	NOUN
fsr-4317	33	3	provides	provide	VERB
fsr-4317	33	4	a	a	DET
fsr-4317	33	5	pathway	pathway	NOUN
fsr-4317	33	6	for	for	SCONJ
fsr-4317	33	7	policymakers	policymaker	NOUN
fsr-4317	33	8	and	and	CCONJ
fsr-4317	33	9	certification	certification	NOUN
fsr-4317	33	10	bodies	body	NOUN
fsr-4317	33	11	to	to	PART
fsr-4317	33	12	attract	attract	VERB
fsr-4317	33	13	more	more	ADJ
fsr-4317	33	14	women	woman	NOUN
fsr-4317	33	15	into	into	ADP
fsr-4317	33	16	the	the	DET
fsr-4317	33	17	profession	profession	NOUN
fsr-4317	33	18	.	.	PUNCT
fsr-4317	34	1	finally	finally	ADV
fsr-4317	34	2	,	,	PUNCT
fsr-4317	34	3	on	on	ADP
fsr-4317	34	4	a	a	DET
fsr-4317	34	5	personal	personal	ADJ
fsr-4317	34	6	note	note	NOUN
fsr-4317	34	7	,	,	PUNCT
fsr-4317	34	8	i	i	PRON
fsr-4317	34	9	want	want	VERB
fsr-4317	34	10	to	to	PART
fsr-4317	34	11	say	say	VERB
fsr-4317	34	12	thank	thank	VERB
fsr-4317	34	13	you	you	PRON
fsr-4317	34	14	to	to	ADP
fsr-4317	34	15	everyone	everyone	PRON
fsr-4317	34	16	who	who	PRON
fsr-4317	34	17	has	have	AUX
fsr-4317	34	18	supported	support	VERB
fsr-4317	34	19	the	the	DET
fsr-4317	34	20	academy	academy	NOUN
fsr-4317	34	21	of	of	ADP
fsr-4317	34	22	financial	financial	ADJ
fsr-4317	34	23	services	service	NOUN
fsr-4317	34	24	and	and	CCONJ
fsr-4317	34	25	financial	financial	ADJ
fsr-4317	34	26	services	service	NOUN
fsr-4317	34	27	review	review	VERB
fsr-4317	34	28	over	over	ADP
fsr-4317	34	29	the	the	DET
fsr-4317	34	30	past	past	ADJ
fsr-4317	34	31	several	several	ADJ
fsr-4317	34	32	years	year	NOUN
fsr-4317	34	33	.	.	PUNCT
fsr-4317	35	1	as	as	ADP
fsr-4317	35	2	my	my	PRON
fsr-4317	35	3	last	last	ADJ
fsr-4317	35	4	official	official	ADJ
fsr-4317	35	5	editorial	editorial	ADJ
fsr-4317	35	6	act	act	NOUN
fsr-4317	35	7	,	,	PUNCT
fsr-4317	35	8	i	i	PRON
fsr-4317	35	9	would	would	AUX
fsr-4317	35	10	like	like	VERB
fsr-4317	35	11	to	to	PART
fsr-4317	35	12	encourage	encourage	VERB
fsr-4317	35	13	everyone	everyone	PRON
fsr-4317	35	14	to	to	PART
fsr-4317	35	15	congratulate	congratulate	VERB
fsr-4317	35	16	and	and	CCONJ
fsr-4317	35	17	support	support	VERB
fsr-4317	35	18	dr	dr	PROPN
fsr-4317	35	19	.	.	PROPN
fsr-4317	35	20	elisabeth	elisabeth	PROPN
fsr-4317	35	21	sinnewe	sinnewe	PROPN
fsr-4317	35	22	as	as	SCONJ
fsr-4317	35	23	she	she	PRON
fsr-4317	35	24	steps	step	VERB
fsr-4317	35	25	into	into	ADP
fsr-4317	35	26	the	the	DET
fsr-4317	35	27	editor	editor	NOUN
fsr-4317	35	28	role	role	NOUN
fsr-4317	35	29	.	.	PUNCT
fsr-4317	36	1	i	i	PRON
fsr-4317	36	2	step	step	VERB
fsr-4317	36	3	down	down	ADP
fsr-4317	36	4	knowing	know	VERB
fsr-4317	36	5	that	that	SCONJ
fsr-4317	36	6	the	the	DET
fsr-4317	36	7	future	future	NOUN
fsr-4317	36	8	of	of	ADP
fsr-4317	36	9	financial	financial	ADJ
fsr-4317	36	10	services	service	NOUN
fsr-4317	36	11	review	review	NOUN
fsr-4317	36	12	is	be	AUX
fsr-4317	36	13	in	in	ADP
fsr-4317	36	14	excellent	excellent	ADJ
fsr-4317	36	15	hands	hand	NOUN
fsr-4317	36	16	.	.	PUNCT
fsr-4317	37	1	john	john	PROPN
fsr-4317	37	2	e.	e.	PROPN
fsr-4317	37	3	grable	grable	PROPN
fsr-4317	37	4	,	,	PUNCT
fsr-4317	37	5	ph.d	ph.d	PROPN
fsr-4317	37	6	.	.	PROPN
fsr-4317	37	7	,	,	PUNCT
fsr-4317	37	8	cfp	cfp	PROPN
fsr-4317	37	9	®	®	NOUN