id	sid	tid	token	lemma	pos
fsr-4453	1	1	financial	financial	ADJ
fsr-4453	1	2	services	service	NOUN
fsr-4453	1	3	review	review	NOUN
fsr-4453	1	4	volume	volume	NOUN
fsr-4453	1	5	33	33	NUM
fsr-4453	1	6	number	number	NOUN
fsr-4453	1	7	3	3	NUM
fsr-4453	1	8	(	(	PUNCT
fsr-4453	1	9	2025	2025	NUM
fsr-4453	1	10	)	)	PUNCT
fsr-4453	1	11	volume	volume	NOUN
fsr-4453	1	12	33	33	NUM
fsr-4453	1	13	,	,	PUNCT
fsr-4453	1	14	no	no	INTJ
fsr-4453	1	15	.	.	NOUN
fsr-4453	1	16	3	3	NUM
fsr-4453	1	17	2025	2025	NUM
fsr-4453	1	18	guest	guest	NOUN
fsr-4453	1	19	editors	editor	NOUN
fsr-4453	1	20	:	:	PUNCT
fsr-4453	1	21	peter	peter	PROPN
fsr-4453	1	22	öhman	öhman	PROPN
fsr-4453	1	23	,	,	PUNCT
fsr-4453	1	24	mustafa	mustafa	PROPN
fsr-4453	1	25	nourallah	nourallah	PROPN
fsr-4453	1	26	&	&	CCONJ
fsr-4453	1	27	izidin	izidin	VERB
fsr-4453	1	28	el	el	PROPN
fsr-4453	1	29	kalak	kalak	ADJ
fsr-4453	1	30	advisory	advisory	ADJ
fsr-4453	1	31	editors	editor	NOUN
fsr-4453	1	32	:	:	PUNCT
fsr-4453	1	33	vickie	vickie	NOUN
fsr-4453	1	34	bajtelsmit	bajtelsmit	NOUN
fsr-4453	1	35	,	,	PUNCT
fsr-4453	1	36	ph.d	ph.d	PROPN
fsr-4453	1	37	.	.	PROPN
fsr-4453	1	38	,	,	PUNCT
fsr-4453	1	39	colorado	colorado	PROPN
fsr-4453	1	40	state	state	PROPN
fsr-4453	1	41	university	university	PROPN
fsr-4453	1	42	(	(	PUNCT
fsr-4453	1	43	emeritus	emeritus	NOUN
fsr-4453	1	44	)	)	PUNCT
fsr-4453	1	45	shawn	shawn	PROPN
fsr-4453	1	46	brayman	brayman	PROPN
fsr-4453	1	47	,	,	PUNCT
fsr-4453	1	48	m.e.s	m.e.s	PROPN
fsr-4453	1	49	.	.	PROPN
fsr-4453	1	50	,	,	PUNCT
fsr-4453	1	51	sb	sb	PROPN
fsr-4453	1	52	research	research	PROPN
fsr-4453	1	53	consulting	consulting	PROPN
fsr-4453	1	54	conrad	conrad	PROPN
fsr-4453	1	55	ciccotello	ciccotello	PROPN
fsr-4453	1	56	,	,	PUNCT
fsr-4453	1	57	jd	jd	PROPN
fsr-4453	1	58	.	.	PUNCT
fsr-4453	2	1	ph.d	ph.d	PROPN
fsr-4453	2	2	.	.	PROPN
fsr-4453	2	3	,	,	PUNCT
fsr-4453	2	4	university	university	PROPN
fsr-4453	2	5	of	of	ADP
fsr-4453	2	6	denver	denver	PROPN
fsr-4453	2	7	john	john	PROPN
fsr-4453	2	8	grable	grable	PROPN
fsr-4453	2	9	,	,	PUNCT
fsr-4453	2	10	ph.d	ph.d	PROPN
fsr-4453	2	11	.	.	PROPN
fsr-4453	2	12	,	,	PUNCT
fsr-4453	2	13	university	university	PROPN
fsr-4453	2	14	of	of	ADP
fsr-4453	2	15	georgia	georgia	PROPN
fsr-4453	2	16	sherman	sherman	PROPN
fsr-4453	2	17	hanna	hanna	PROPN
fsr-4453	2	18	,	,	PUNCT
fsr-4453	2	19	ph.d	ph.d	PROPN
fsr-4453	2	20	.	.	PROPN
fsr-4453	2	21	,	,	PUNCT
fsr-4453	2	22	the	the	DET
fsr-4453	2	23	ohio	ohio	PROPN
fsr-4453	2	24	state	state	PROPN
fsr-4453	2	25	university	university	PROPN
fsr-4453	2	26	tom	tom	PROPN
fsr-4453	2	27	potts	potts	PROPN
fsr-4453	2	28	,	,	PUNCT
fsr-4453	2	29	ph.d	ph.d	PROPN
fsr-4453	2	30	.	.	PROPN
fsr-4453	2	31	,	,	PUNCT
fsr-4453	2	32	cfp	cfp	PROPN
fsr-4453	2	33	®	®	PROPN
fsr-4453	2	34	,	,	PUNCT
fsr-4453	2	35	baylor	baylor	PROPN
fsr-4453	2	36	university	university	PROPN
fsr-4453	2	37	(	(	PUNCT
fsr-4453	2	38	emeritus	emeritus	NOUN
fsr-4453	2	39	)	)	PUNCT
fsr-4453	2	40	martin	martin	PROPN
fsr-4453	2	41	seay	seay	PROPN
fsr-4453	2	42	,	,	PUNCT
fsr-4453	2	43	ph.d	ph.d	PROPN
fsr-4453	2	44	.	.	PROPN
fsr-4453	2	45	,	,	PUNCT
fsr-4453	2	46	cfp	cfp	PROPN
fsr-4453	2	47	®	®	PROPN
fsr-4453	2	48	,	,	PUNCT
fsr-4453	2	49	kansas	kansas	PROPN
fsr-4453	2	50	state	state	PROPN
fsr-4453	2	51	university	university	PROPN
fsr-4453	2	52	meir	meir	PROPN
fsr-4453	2	53	statman	statman	PROPN
fsr-4453	2	54	,	,	PUNCT
fsr-4453	2	55	ph.d	ph.d	PROPN
fsr-4453	2	56	.	.	PROPN
fsr-4453	2	57	,	,	PUNCT
fsr-4453	2	58	santa	santa	PROPN
fsr-4453	2	59	clara	clara	PROPN
fsr-4453	2	60	university	university	PROPN
fsr-4453	2	61	tom	tom	PROPN
fsr-4453	2	62	warschauer	warschauer	PROPN
fsr-4453	2	63	,	,	PUNCT
fsr-4453	2	64	ph.d	ph.d	PROPN
fsr-4453	2	65	.	.	PROPN
fsr-4453	2	66	,	,	PUNCT
fsr-4453	2	67	cfp	cfp	PROPN
fsr-4453	2	68	®	®	PROPN
fsr-4453	2	69	,	,	PUNCT
fsr-4453	2	70	san	san	PROPN
fsr-4453	2	71	diego	diego	PROPN
fsr-4453	2	72	state	state	PROPN
fsr-4453	2	73	university	university	PROPN
fsr-4453	2	74	(	(	PUNCT
fsr-4453	2	75	emeritus	emeritus	NOUN
fsr-4453	2	76	)	)	PUNCT
fsr-4453	2	77	associate	associate	ADJ
fsr-4453	2	78	editors	editor	NOUN
fsr-4453	2	79	:	:	PUNCT
fsr-4453	2	80	swarn	swarn	PROPN
fsr-4453	2	81	chatterjee	chatterjee	PROPN
fsr-4453	2	82	,	,	PUNCT
fsr-4453	2	83	ph.d	ph.d	PROPN
fsr-4453	2	84	.	.	PROPN
fsr-4453	2	85	,	,	PUNCT
fsr-4453	2	86	university	university	PROPN
fsr-4453	2	87	of	of	ADP
fsr-4453	2	88	georgia	georgia	PROPN
fsr-4453	2	89	shinae	shinae	PROPN
fsr-4453	2	90	l.	l.	PROPN
fsr-4453	2	91	choi	choi	PROPN
fsr-4453	2	92	,	,	PUNCT
fsr-4453	2	93	ph.d	ph.d	PROPN
fsr-4453	2	94	.	.	PROPN
fsr-4453	2	95	,	,	PUNCT
fsr-4453	2	96	university	university	PROPN
fsr-4453	2	97	of	of	ADP
fsr-4453	2	98	alabama	alabama	PROPN
fsr-4453	2	99	lu	lu	PROPN
fsr-4453	2	100	fan	fan	PROPN
fsr-4453	2	101	,	,	PUNCT
fsr-4453	2	102	ph.d	ph.d	PROPN
fsr-4453	2	103	.	.	PROPN
fsr-4453	2	104	,	,	PUNCT
fsr-4453	2	105	cfp	cfp	PROPN
fsr-4453	2	106	®	®	PROPN
fsr-4453	2	107	,	,	PUNCT
fsr-4453	2	108	university	university	PROPN
fsr-4453	2	109	of	of	ADP
fsr-4453	2	110	georgia	georgia	PROPN
fsr-4453	2	111	jasmine	jasmine	PROPN
fsr-4453	2	112	fang	fang	PROPN
fsr-4453	2	113	,	,	PUNCT
fsr-4453	2	114	ph.d	ph.d	PROPN
fsr-4453	2	115	.	.	PROPN
fsr-4453	2	116	,	,	PUNCT
fsr-4453	2	117	massey	massey	PROPN
fsr-4453	2	118	university	university	PROPN
fsr-4453	2	119	,	,	PUNCT
fsr-4453	2	120	nz	nz	PROPN
fsr-4453	2	121	mark	mark	PROPN
fsr-4453	2	122	fedenia	fedenia	PROPN
fsr-4453	2	123	,	,	PUNCT
fsr-4453	2	124	ph.d	ph.d	PROPN
fsr-4453	2	125	.	.	PROPN
fsr-4453	2	126	,	,	PUNCT
fsr-4453	2	127	university	university	PROPN
fsr-4453	2	128	of	of	ADP
fsr-4453	2	129	wisconsin	wisconsin	PROPN
fsr-4453	2	130	philip	philip	PROPN
fsr-4453	2	131	gibson	gibson	PROPN
fsr-4453	2	132	,	,	PUNCT
fsr-4453	2	133	ph.d	ph.d	PROPN
fsr-4453	2	134	.	.	PROPN
fsr-4453	2	135	,	,	PUNCT
fsr-4453	2	136	cfp	cfp	PROPN
fsr-4453	2	137	®	®	PROPN
fsr-4453	2	138	,	,	PUNCT
fsr-4453	2	139	winthrop	winthrop	PROPN
fsr-4453	2	140	university	university	PROPN
fsr-4453	2	141	stu	stu	PROPN
fsr-4453	2	142	heckman	heckman	PROPN
fsr-4453	2	143	,	,	PUNCT
fsr-4453	2	144	ph.d	ph.d	PROPN
fsr-4453	2	145	.	.	PROPN
fsr-4453	2	146	,	,	PUNCT
fsr-4453	2	147	cfp	cfp	PROPN
fsr-4453	2	148	®	®	PROPN
fsr-4453	2	149	,	,	PUNCT
fsr-4453	2	150	texas	texas	PROPN
fsr-4453	2	151	tech	tech	PROPN
fsr-4453	2	152	university	university	PROPN
fsr-4453	2	153	stephen	stephen	PROPN
fsr-4453	2	154	horan	horan	PROPN
fsr-4453	2	155	,	,	PUNCT
fsr-4453	2	156	ph.d	ph.d	PROPN
fsr-4453	2	157	.	.	PROPN
fsr-4453	2	158	,	,	PUNCT
fsr-4453	2	159	cfa	cfa	PROPN
fsr-4453	2	160	®	®	PROPN
fsr-4453	2	161	,	,	PUNCT
fsr-4453	2	162	university	university	PROPN
fsr-4453	2	163	of	of	ADP
fsr-4453	2	164	north	north	PROPN
fsr-4453	2	165	william	william	PROPN
fsr-4453	2	166	w.	w.	PROPN
fsr-4453	2	167	jennings	jennings	PROPN
fsr-4453	2	168	,	,	PUNCT
fsr-4453	2	169	ph.d	ph.d	PROPN
fsr-4453	2	170	.	.	PROPN
fsr-4453	2	171	,	,	PUNCT
fsr-4453	2	172	cfa	cfa	PROPN
fsr-4453	2	173	®	®	PROPN
fsr-4453	2	174	,	,	PUNCT
fsr-4453	2	175	u.s	u.s	PROPN
fsr-4453	2	176	.	.	PROPN
fsr-4453	2	177	airforce	airforce	PROPN
fsr-4453	2	178	academy	academy	PROPN
fsr-4453	2	179	so	so	PROPN
fsr-4453	2	180	-	-	PUNCT
fsr-4453	2	181	hyun	hyun	PROPN
fsr-4453	2	182	joo	joo	PROPN
fsr-4453	2	183	,	,	PUNCT
fsr-4453	2	184	ph.d	ph.d	PROPN
fsr-4453	2	185	.	.	PROPN
fsr-4453	2	186	,	,	PUNCT
fsr-4453	2	187	ewha	ewha	VERB
fsr-4453	2	188	womans	woman	NOUN
fsr-4453	2	189	university	university	PROPN
fsr-4453	2	190	,	,	PUNCT
fsr-4453	2	191	south	south	PROPN
fsr-4453	2	192	korea	korea	PROPN
fsr-4453	2	193	izidin	izidin	VERB
fsr-4453	2	194	el	el	PROPN
fsr-4453	2	195	kalak	kalak	PROPN
fsr-4453	2	196	,	,	PUNCT
fsr-4453	2	197	cardiff	cardiff	PROPN
fsr-4453	2	198	university	university	NOUN
fsr-4453	2	199	,	,	PUNCT
fsr-4453	2	200	uk	uk	PROPN
fsr-4453	2	201	thomas	thomas	PROPN
fsr-4453	2	202	langdon	langdon	PROPN
fsr-4453	2	203	,	,	PUNCT
fsr-4453	2	204	ph.d	ph.d	PROPN
fsr-4453	2	205	.	.	PROPN
fsr-4453	2	206	,	,	PUNCT
fsr-4453	2	207	roger	roger	PROPN
fsr-4453	2	208	william	william	PROPN
fsr-4453	2	209	university	university	PROPN
fsr-4453	2	210	,	,	PUNCT
fsr-4453	2	211	bristol	bristol	PROPN
fsr-4453	2	212	claire	claire	PROPN
fsr-4453	2	213	matthews	matthews	PROPN
fsr-4453	2	214	,	,	PUNCT
fsr-4453	2	215	ph.d	ph.d	PROPN
fsr-4453	2	216	.	.	PROPN
fsr-4453	2	217	,	,	PUNCT
fsr-4453	2	218	massey	massey	PROPN
fsr-4453	2	219	university	university	PROPN
fsr-4453	2	220	,	,	PUNCT
fsr-4453	2	221	nz	nz	PROPN
fsr-4453	2	222	mustafa	mustafa	PROPN
fsr-4453	2	223	nourallah	nourallah	PROPN
fsr-4453	2	224	,	,	PUNCT
fsr-4453	2	225	ph.d	ph.d	PROPN
fsr-4453	2	226	.	.	PROPN
fsr-4453	2	227	,	,	PUNCT
fsr-4453	2	228	centre	centre	NOUN
fsr-4453	2	229	for	for	ADP
fsr-4453	2	230	research	research	NOUN
fsr-4453	2	231	on	on	ADP
fsr-4453	2	232	economic	economic	ADJ
fsr-4453	2	233	relations	relation	NOUN
fsr-4453	2	234	,	,	PUNCT
fsr-4453	2	235	mid	mid	PROPN
fsr-4453	2	236	sweden	sweden	PROPN
fsr-4453	2	237	university	university	PROPN
fsr-4453	2	238	,	,	PUNCT
fsr-4453	2	239	sweden	sweden	PROPN
fsr-4453	2	240	lance	lance	PROPN
fsr-4453	2	241	palmer	palmer	PROPN
fsr-4453	2	242	,	,	PUNCT
fsr-4453	2	243	ph.d	ph.d	PROPN
fsr-4453	2	244	.	.	PROPN
fsr-4453	2	245	,	,	PUNCT
fsr-4453	2	246	cfp	cfp	PROPN
fsr-4453	2	247	®	®	PROPN
fsr-4453	2	248	,	,	PUNCT
fsr-4453	2	249	cpa	cpa	PROPN
fsr-4453	2	250	®	®	PROPN
fsr-4453	2	251	,	,	PUNCT
fsr-4453	2	252	university	university	PROPN
fsr-4453	2	253	of	of	ADP
fsr-4453	2	254	georgia	georgia	PROPN
fsr-4453	2	255	abed	abed	PROPN
fsr-4453	2	256	rabbani	rabbani	PROPN
fsr-4453	2	257	,	,	PUNCT
fsr-4453	2	258	ph.d	ph.d	PROPN
fsr-4453	2	259	.	.	PROPN
fsr-4453	2	260	,	,	PUNCT
fsr-4453	2	261	cfp	cfp	PROPN
fsr-4453	2	262	®	®	PROPN
fsr-4453	2	263	,	,	PUNCT
fsr-4453	2	264	university	university	PROPN
fsr-4453	2	265	of	of	ADP
fsr-4453	2	266	missouri	missouri	PROPN
fsr-4453	2	267	dan	dan	PROPN
fsr-4453	2	268	richards	richards	PROPN
fsr-4453	2	269	,	,	PUNCT
fsr-4453	2	270	ph.d	ph.d	PROPN
fsr-4453	2	271	.	.	PROPN
fsr-4453	2	272	,	,	PUNCT
fsr-4453	2	273	york	york	PROPN
fsr-4453	2	274	university	university	PROPN
fsr-4453	2	275	,	,	PUNCT
fsr-4453	2	276	canada	canada	PROPN
fsr-4453	2	277	chris	chris	PROPN
fsr-4453	2	278	robinson	robinson	PROPN
fsr-4453	2	279	,	,	PUNCT
fsr-4453	2	280	ph.d	ph.d	PROPN
fsr-4453	2	281	.	.	PROPN
fsr-4453	2	282	,	,	PUNCT
fsr-4453	2	283	cfp	cfp	PROPN
fsr-4453	2	284	®	®	PROPN
fsr-4453	2	285	,	,	PUNCT
fsr-4453	2	286	cpa	cpa	PROPN
fsr-4453	2	287	,	,	PUNCT
fsr-4453	2	288	ca	ca	PROPN
fsr-4453	2	289	,	,	PUNCT
fsr-4453	2	290	york	york	PROPN
fsr-4453	2	291	university	university	PROPN
fsr-4453	2	292	(	(	PUNCT
fsr-4453	2	293	emeritus	emeritus	NOUN
fsr-4453	2	294	)	)	PUNCT
fsr-4453	2	295	,	,	PUNCT
fsr-4453	2	296	canada	canada	PROPN
fsr-4453	2	297	jerry	jerry	PROPN
fsr-4453	2	298	stevens	stevens	PROPN
fsr-4453	2	299	,	,	PUNCT
fsr-4453	2	300	ph.d	ph.d	PROPN
fsr-4453	2	301	.	.	PROPN
fsr-4453	2	302	,	,	PUNCT
fsr-4453	2	303	university	university	PROPN
fsr-4453	2	304	of	of	ADP
fsr-4453	2	305	richmond	richmond	PROPN
fsr-4453	2	306	ning	ning	PROPN
fsr-4453	2	307	tang	tang	PROPN
fsr-4453	2	308	,	,	PUNCT
fsr-4453	2	309	ph.d	ph.d	PROPN
fsr-4453	2	310	.	.	PROPN
fsr-4453	2	311	,	,	PUNCT
fsr-4453	2	312	san	san	PROPN
fsr-4453	2	313	diego	diego	PROPN
fsr-4453	2	314	state	state	PROPN
fsr-4453	2	315	university	university	PROPN
fsr-4453	2	316	inga	inga	PROPN
fsr-4453	2	317	timmerman	timmerman	PROPN
fsr-4453	2	318	,	,	PUNCT
fsr-4453	2	319	ph.d	ph.d	PROPN
fsr-4453	2	320	.	.	PROPN
fsr-4453	2	321	,	,	PUNCT
fsr-4453	2	322	university	university	PROPN
fsr-4453	2	323	of	of	ADP
fsr-4453	2	324	north	north	PROPN
fsr-4453	2	325	florida	florida	PROPN
fsr-4453	2	326	bomikazi	bomikazi	PROPN
fsr-4453	2	327	zeka	zeka	PROPN
fsr-4453	2	328	,	,	PUNCT
fsr-4453	2	329	ph.d	ph.d	PROPN
fsr-4453	2	330	.	.	PROPN
fsr-4453	2	331	,	,	PUNCT
fsr-4453	2	332	university	university	PROPN
fsr-4453	2	333	of	of	ADP
fsr-4453	2	334	canberra	canberra	PROPN
fsr-4453	2	335	,	,	PUNCT
fsr-4453	2	336	australia	australia	PROPN
fsr-4453	2	337	issn	issn	VERB
fsr-4453	2	338	online	online	ADJ
fsr-4453	2	339	10.61190	10.61190	NUM
fsr-4453	2	340	/	/	SYM
fsr-4453	2	341	fsr.v33i3	fsr.v33i3	NOUN
fsr-4453	2	342	contents	content	NOUN
fsr-4453	2	343	öhman	öhman	NOUN
fsr-4453	2	344	,	,	PUNCT
fsr-4453	2	345	peter	peter	PROPN
fsr-4453	2	346	,	,	PUNCT
fsr-4453	2	347	nourallah	nourallah	PROPN
fsr-4453	2	348	,	,	PUNCT
fsr-4453	2	349	mustafa	mustafa	PROPN
fsr-4453	2	350	&	&	CCONJ
fsr-4453	2	351	el	el	PROPN
fsr-4453	2	352	kalak	kalak	PROPN
fsr-4453	2	353	,	,	PUNCT
fsr-4453	2	354	izidin	izidin	NOUN
fsr-4453	2	355	,	,	PUNCT
fsr-4453	2	356	guest	guest	NOUN
fsr-4453	2	357	editorial	editorial	NOUN
fsr-4453	2	358	,	,	PUNCT
fsr-4453	2	359	i	i	PROPN
fsr-4453	2	360	-	-	PUNCT
fsr-4453	2	361	v.	v.	ADP
fsr-4453	2	362	special	special	ADJ
fsr-4453	2	363	issue	issue	NOUN
fsr-4453	2	364	:	:	PUNCT
fsr-4453	2	365	financial	financial	ADJ
fsr-4453	2	366	technology	technology	NOUN
fsr-4453	2	367	(	(	PUNCT
fsr-4453	2	368	fintech	fintech	NOUN
fsr-4453	2	369	)	)	PUNCT
fsr-4453	2	370	brockbank	brockbank	NOUN
fsr-4453	2	371	,	,	PUNCT
fsr-4453	2	372	alex	alex	PROPN
fsr-4453	2	373	,	,	PUNCT
fsr-4453	2	374	kalenkoski	kalenkoski	ADJ
fsr-4453	2	375	,	,	PUNCT
fsr-4453	2	376	charlene	charlene	ADJ
fsr-4453	2	377	,	,	PUNCT
fsr-4453	2	378	browning	browning	NOUN
fsr-4453	2	379	,	,	PUNCT
fsr-4453	2	380	christopher	christopher	PROPN
fsr-4453	2	381	&	&	CCONJ
fsr-4453	2	382	guillemette	guillemette	PROPN
fsr-4453	2	383	,	,	PUNCT
fsr-4453	2	384	michael	michael	PROPN
fsr-4453	2	385	,	,	PUNCT
fsr-4453	2	386	is	be	AUX
fsr-4453	2	387	using	use	VERB
fsr-4453	2	388	a	a	DET
fsr-4453	2	389	financial	financial	ADJ
fsr-4453	2	390	advisor	advisor	NOUN
fsr-4453	2	391	related	relate	VERB
fsr-4453	2	392	to	to	ADP
fsr-4453	2	393	cryptocurrency	cryptocurrency	NOUN
fsr-4453	2	394	investment	investment	NOUN
fsr-4453	2	395	?	?	PUNCT
fsr-4453	3	1	1	1	NUM
fsr-4453	3	2	-	-	SYM
fsr-4453	3	3	19	19	NUM
fsr-4453	3	4	.	.	PUNCT
fsr-4453	4	1	chen	chen	PROPN
fsr-4453	4	2	,	,	PUNCT
fsr-4453	4	3	ying	ying	PROPN
fsr-4453	4	4	,	,	PUNCT
fsr-4453	4	5	asebedo	asebedo	PROPN
fsr-4453	4	6	,	,	PUNCT
fsr-4453	4	7	sarah	sarah	PROPN
fsr-4453	4	8	d.	d.	PROPN
fsr-4453	4	9	,	,	PUNCT
fsr-4453	4	10	little	little	ADJ
fsr-4453	4	11	,	,	PUNCT
fsr-4453	4	12	todd	todd	PROPN
fsr-4453	4	13	d.	d.	PROPN
fsr-4453	4	14	,	,	PUNCT
fsr-4453	4	15	&	&	CCONJ
fsr-4453	4	16	ning	ning	PROPN
fsr-4453	4	17	,	,	PUNCT
fsr-4453	4	18	weihong	weihong	NOUN
fsr-4453	4	19	,	,	PUNCT
fsr-4453	4	20	from	from	ADP
fsr-4453	4	21	intention	intention	NOUN
fsr-4453	4	22	to	to	ADP
fsr-4453	4	23	adequate	adequate	ADJ
fsr-4453	4	24	emergency	emergency	NOUN
fsr-4453	4	25	fund	fund	NOUN
fsr-4453	4	26	savings	saving	NOUN
fsr-4453	4	27	through	through	ADP
fsr-4453	4	28	fintech	fintech	NOUN
fsr-4453	4	29	use	use	NOUN
fsr-4453	4	30	:	:	PUNCT
fsr-4453	4	31	evidence	evidence	NOUN
fsr-4453	4	32	from	from	ADP
fsr-4453	4	33	a	a	DET
fsr-4453	4	34	u.s	u.s	PROPN
fsr-4453	4	35	.	.	PROPN
fsr-4453	4	36	survey	survey	PROPN
fsr-4453	4	37	study	study	NOUN
fsr-4453	4	38	,	,	PUNCT
fsr-4453	4	39	20	20	NUM
fsr-4453	4	40	-	-	SYM
fsr-4453	4	41	47	47	NUM
fsr-4453	4	42	.	.	PUNCT
fsr-4453	5	1	diab	diab	PROPN
fsr-4453	5	2	,	,	PUNCT
fsr-4453	5	3	sara	sara	PROPN
fsr-4453	5	4	,	,	PUNCT
fsr-4453	5	5	nourallah	nourallah	PROPN
fsr-4453	5	6	,	,	PUNCT
fsr-4453	5	7	mustafa	mustafa	PROPN
fsr-4453	5	8	&	&	CCONJ
fsr-4453	5	9	öhman	öhman	PROPN
fsr-4453	5	10	,	,	PUNCT
fsr-4453	5	11	peter	peter	PROPN
fsr-4453	5	12	,	,	PUNCT
fsr-4453	5	13	borrowing	borrow	VERB
fsr-4453	5	14	from	from	ADP
fsr-4453	5	15	family	family	NOUN
fsr-4453	5	16	and	and	CCONJ
fsr-4453	5	17	friends	friend	NOUN
fsr-4453	5	18	:	:	PUNCT
fsr-4453	5	19	study	study	NOUN
fsr-4453	5	20	of	of	ADP
fsr-4453	5	21	the	the	DET
fsr-4453	5	22	european	european	PROPN
fsr-4453	5	23	union	union	PROPN
fsr-4453	5	24	,	,	PUNCT
fsr-4453	5	25	48	48	NUM
fsr-4453	5	26	-	-	SYM
fsr-4453	5	27	60	60	NUM
fsr-4453	5	28	.	.	PUNCT
fsr-4453	6	1	shekhar	shekhar	PROPN
fsr-4453	6	2	,	,	PUNCT
fsr-4453	6	3	vidhu	vidhu	PROPN
fsr-4453	6	4	&	&	CCONJ
fsr-4453	6	5	ramesh	ramesh	PROPN
fsr-4453	6	6	,	,	PUNCT
fsr-4453	6	7	sanjogita	sanjogita	PROPN
fsr-4453	6	8	,	,	PUNCT
fsr-4453	6	9	central	central	ADJ
fsr-4453	6	10	bank	bank	NOUN
fsr-4453	6	11	digital	digital	ADJ
fsr-4453	6	12	currency	currency	NOUN
fsr-4453	6	13	:	:	PUNCT
fsr-4453	6	14	perspectives	perspective	NOUN
fsr-4453	6	15	on	on	ADP
fsr-4453	6	16	design	design	NOUN
fsr-4453	6	17	choices	choice	NOUN
fsr-4453	6	18	and	and	CCONJ
fsr-4453	6	19	implications	implication	NOUN
fsr-4453	6	20	,	,	PUNCT
fsr-4453	6	21	with	with	ADP
fsr-4453	6	22	a	a	DET
fsr-4453	6	23	focus	focus	NOUN
fsr-4453	6	24	on	on	ADP
fsr-4453	6	25	erupee	erupee	PROPN
fsr-4453	6	26	,	,	PUNCT
fsr-4453	6	27	61	61	NUM
fsr-4453	6	28	-	-	SYM
fsr-4453	6	29	78	78	NUM
fsr-4453	6	30	.	.	PUNCT
fsr-4453	7	1	academy	academy	NOUN
fsr-4453	7	2	of	of	ADP
fsr-4453	7	3	financial	financial	ADJ
fsr-4453	7	4	services	service	NOUN
fsr-4453	7	5	officers	officer	NOUN
fsr-4453	7	6	shawn	shawn	VERB
fsr-4453	7	7	brayman	brayman	PROPN
fsr-4453	7	8	financial	financial	PROPN
fsr-4453	7	9	planning	planning	PROPN
fsr-4453	7	10	research	research	NOUN
fsr-4453	7	11	consultant	consultant	NOUN
fsr-4453	7	12	president	president	PROPN
fsr-4453	7	13	michelle	michelle	PROPN
fsr-4453	7	14	cull	cull	PROPN
fsr-4453	7	15	western	western	PROPN
fsr-4453	7	16	sydney	sydney	PROPN
fsr-4453	7	17	university	university	PROPN
fsr-4453	7	18	president	president	PROPN
fsr-4453	7	19	-	-	PUNCT
fsr-4453	7	20	elect	elect	PROPN
fsr-4453	7	21	kirsten	kirsten	PROPN
fsr-4453	7	22	macdonald	macdonald	PROPN
fsr-4453	7	23	griffith	griffith	PROPN
fsr-4453	7	24	university	university	PROPN
fsr-4453	7	25	executive	executive	PROPN
fsr-4453	7	26	vp	vp	PROPN
fsr-4453	7	27	-	-	PUNCT
fsr-4453	7	28	program	program	NOUN
fsr-4453	7	29	thanh	thanh	PROPN
fsr-4453	7	30	ngo	ngo	PROPN
fsr-4453	7	31	east	east	PROPN
fsr-4453	7	32	carolina	carolina	PROPN
fsr-4453	7	33	university	university	PROPN
fsr-4453	7	34	vice	vice	NOUN
fsr-4453	7	35	president	president	PROPN
fsr-4453	7	36	finance	finance	PROPN
fsr-4453	7	37	mustafa	mustafa	PROPN
fsr-4453	7	38	nourallah	nourallah	PROPN
fsr-4453	7	39	mid	mid	PROPN
fsr-4453	7	40	sweden	sweden	PROPN
fsr-4453	7	41	university	university	PROPN
fsr-4453	7	42	vice	vice	NOUN
fsr-4453	7	43	president	president	PROPN
fsr-4453	7	44	international	international	PROPN
fsr-4453	7	45	relations	relations	PROPN
fsr-4453	7	46	thomas	thomas	PROPN
fsr-4453	7	47	korankye	korankye	PROPN
fsr-4453	7	48	university	university	PROPN
fsr-4453	7	49	of	of	ADP
fsr-4453	7	50	arizona	arizona	PROPN
fsr-4453	7	51	vice	vice	PROPN
fsr-4453	7	52	president	president	PROPN
fsr-4453	7	53	marketing	marketing	PROPN
fsr-4453	7	54	&	&	CCONJ
fsr-4453	7	55	public	public	ADJ
fsr-4453	7	56	relations	relation	NOUN
fsr-4453	7	57	elisabeth	elisabeth	PROPN
fsr-4453	7	58	sinnewe	sinnewe	PROPN
fsr-4453	7	59	queensland	queensland	PROPN
fsr-4453	7	60	university	university	PROPN
fsr-4453	7	61	of	of	ADP
fsr-4453	7	62	technology	technology	NOUN
fsr-4453	7	63	(	(	PUNCT
fsr-4453	7	64	qut	qut	NOUN
fsr-4453	7	65	)	)	PUNCT
fsr-4453	7	66	chair	chair	NOUN
fsr-4453	7	67	,	,	PUNCT
fsr-4453	7	68	australia	australia	PROPN
fsr-4453	7	69	-	-	PUNCT
fsr-4453	7	70	new	new	PROPN
fsr-4453	7	71	zealand	zealand	PROPN
fsr-4453	7	72	chapter	chapter	NOUN
fsr-4453	7	73	editor	editor	PROPN
fsr-4453	7	74	,	,	PUNCT
fsr-4453	7	75	financial	financial	ADJ
fsr-4453	7	76	services	service	NOUN
fsr-4453	7	77	review	review	VERB
fsr-4453	7	78	elisabeth	elisabeth	PROPN
fsr-4453	7	79	sinnewe	sinnewe	PROPN
fsr-4453	7	80	queensland	queensland	PROPN
fsr-4453	7	81	university	university	PROPN
fsr-4453	7	82	of	of	ADP
fsr-4453	7	83	technology	technology	NOUN
fsr-4453	7	84	(	(	PUNCT
fsr-4453	7	85	qut	qut	PROPN
fsr-4453	7	86	)	)	PUNCT
fsr-4453	7	87	directors	director	NOUN
fsr-4453	7	88	norah	norah	PROPN
fsr-4453	7	89	feng	feng	PROPN
fsr-4453	7	90	massey	massey	PROPN
fsr-4453	7	91	university	university	PROPN
fsr-4453	7	92	aaron	aaron	PROPN
fsr-4453	7	93	gilbert	gilbert	PROPN
fsr-4453	7	94	auckland	auckland	PROPN
fsr-4453	7	95	university	university	PROPN
fsr-4453	7	96	of	of	ADP
fsr-4453	7	97	technology	technology	PROPN
fsr-4453	7	98	matt	matt	PROPN
fsr-4453	7	99	goren	goren	PROPN
fsr-4453	7	100	brett	brett	PROPN
fsr-4453	7	101	danko	danko	PROPN
fsr-4453	7	102	education	education	PROPN
fsr-4453	7	103	center	center	PROPN
fsr-4453	7	104	tom	tom	PROPN
fsr-4453	7	105	idzorek	idzorek	PROPN
fsr-4453	7	106	morningstar	morningstar	PROPN
fsr-4453	7	107	eun	eun	PROPN
fsr-4453	7	108	jin	jin	PROPN
fsr-4453	7	109	kwak	kwak	PROPN
fsr-4453	7	110	university	university	PROPN
fsr-4453	7	111	of	of	ADP
fsr-4453	7	112	wisconsin	wisconsin	PROPN
fsr-4453	7	113	-	-	PUNCT
fsr-4453	7	114	green	green	PROPN
fsr-4453	7	115	bay	bay	PROPN
fsr-4453	7	116	dan	dan	PROPN
fsr-4453	7	117	moisand	moisand	PROPN
fsr-4453	7	118	moisand	moisand	PROPN
fsr-4453	7	119	fitzgerald	fitzgerald	PROPN
fsr-4453	7	120	tamayo	tamayo	PROPN
fsr-4453	7	121	richard	richard	PROPN
fsr-4453	7	122	stebbins	stebbins	PROPN
fsr-4453	7	123	university	university	PROPN
fsr-4453	7	124	of	of	ADP
fsr-4453	7	125	alabama	alabama	PROPN
fsr-4453	7	126	tom	tom	PROPN
fsr-4453	7	127	warschauer	warschauer	PROPN
fsr-4453	7	128	san	san	PROPN
fsr-4453	7	129	diego	diego	PROPN
fsr-4453	7	130	state	state	PROPN
fsr-4453	7	131	university	university	PROPN
fsr-4453	7	132	dave	dave	PROPN
fsr-4453	7	133	yeske	yeske	PROPN
fsr-4453	7	134	golden	golden	PROPN
fsr-4453	7	135	gate	gate	PROPN
fsr-4453	7	136	university	university	PROPN
fsr-4453	7	137	yu	yu	PROPN
fsr-4453	7	138	(	(	PUNCT
fsr-4453	7	139	yulia	yulia	PROPN
fsr-4453	7	140	)	)	PUNCT
fsr-4453	8	1	zhang	zhang	PROPN
fsr-4453	8	2	kansas	kansas	PROPN
fsr-4453	8	3	state	state	PROPN
fsr-4453	8	4	university	university	PROPN
fsr-4453	8	5	past	past	PROPN
fsr-4453	8	6	presidents	president	NOUN
fsr-4453	8	7	shawn	shawn	PROPN
fsr-4453	8	8	brayman	brayman	NOUN
fsr-4453	8	9	,	,	PUNCT
fsr-4453	8	10	2023	2023	NUM
fsr-4453	8	11	-	-	SYM
fsr-4453	8	12	2025	2025	NUM
fsr-4453	8	13	financial	financial	ADJ
fsr-4453	8	14	planning	planning	NOUN
fsr-4453	8	15	research	research	NOUN
fsr-4453	8	16	consultant	consultant	NOUN
fsr-4453	8	17	inga	inga	PROPN
fsr-4453	8	18	timmerman	timmerman	PROPN
fsr-4453	8	19	,	,	PUNCT
fsr-4453	8	20	2020	2020	NUM
fsr-4453	8	21	-	-	SYM
fsr-4453	8	22	22	22	NUM
fsr-4453	8	23	university	university	NOUN
fsr-4453	8	24	of	of	ADP
fsr-4453	8	25	north	north	PROPN
fsr-4453	8	26	florida	florida	PROPN
fsr-4453	8	27	janine	janine	PROPN
fsr-4453	8	28	sam	sam	PROPN
fsr-4453	8	29	,	,	PUNCT
fsr-4453	8	30	2019	2019	NUM
fsr-4453	8	31	-	-	SYM
fsr-4453	8	32	20	20	NUM
fsr-4453	8	33	shepherd	shepherd	ADJ
fsr-4453	8	34	university	university	NOUN
fsr-4453	8	35	swarn	swarn	PROPN
fsr-4453	8	36	chatterjee	chatterjee	PROPN
fsr-4453	8	37	,	,	PUNCT
fsr-4453	8	38	2018	2018	NUM
fsr-4453	8	39	-	-	SYM
fsr-4453	8	40	19	19	NUM
fsr-4453	8	41	university	university	PROPN
fsr-4453	8	42	of	of	ADP
fsr-4453	8	43	georgia	georgia	PROPN
fsr-4453	8	44	robert	robert	PROPN
fsr-4453	8	45	moreschi	moreschi	PROPN
fsr-4453	8	46	,	,	PUNCT
fsr-4453	8	47	2016	2016	NUM
fsr-4453	8	48	-	-	SYM
fsr-4453	8	49	18	18	NUM
fsr-4453	8	50	virginia	virginia	PROPN
fsr-4453	8	51	military	military	PROPN
fsr-4453	8	52	institute	institute	PROPN
fsr-4453	8	53	thomas	thomas	PROPN
fsr-4453	8	54	coe	coe	PROPN
fsr-4453	8	55	,	,	PUNCT
fsr-4453	8	56	2015	2015	NUM
fsr-4453	8	57	-	-	SYM
fsr-4453	8	58	16	16	NUM
fsr-4453	8	59	quinnipiac	quinnipiac	PROPN
fsr-4453	8	60	university	university	PROPN
fsr-4453	8	61	william	william	PROPN
fsr-4453	8	62	chittenden	chittenden	PROPN
fsr-4453	8	63	,	,	PUNCT
fsr-4453	8	64	2014	2014	NUM
fsr-4453	8	65	-	-	SYM
fsr-4453	8	66	15	15	NUM
fsr-4453	8	67	texas	texas	PROPN
fsr-4453	8	68	state	state	PROPN
fsr-4453	8	69	university	university	PROPN
fsr-4453	8	70	lance	lance	PROPN
fsr-4453	8	71	palmer	palmer	PROPN
fsr-4453	8	72	,	,	PUNCT
fsr-4453	8	73	2013	2013	NUM
fsr-4453	8	74	-	-	SYM
fsr-4453	8	75	14	14	NUM
fsr-4453	8	76	university	university	PROPN
fsr-4453	8	77	of	of	ADP
fsr-4453	8	78	georgia	georgia	PROPN
fsr-4453	8	79	frank	frank	PROPN
fsr-4453	8	80	laatsch	laatsch	PROPN
fsr-4453	8	81	,	,	PUNCT
fsr-4453	8	82	2012	2012	NUM
fsr-4453	8	83	-	-	SYM
fsr-4453	8	84	13	13	NUM
fsr-4453	8	85	university	university	NOUN
fsr-4453	8	86	of	of	ADP
fsr-4453	8	87	southern	southern	PROPN
fsr-4453	8	88	mississippi	mississippi	PROPN
fsr-4453	8	89	brian	brian	PROPN
fsr-4453	8	90	boscaljon	boscaljon	PROPN
fsr-4453	8	91	,	,	PUNCT
fsr-4453	8	92	2011	2011	NUM
fsr-4453	8	93	-	-	SYM
fsr-4453	8	94	12	12	NUM
fsr-4453	8	95	penn	penn	PROPN
fsr-4453	8	96	state	state	PROPN
fsr-4453	8	97	university	university	PROPN
fsr-4453	8	98	-	-	PUNCT
fsr-4453	8	99	erie	erie	PROPN
fsr-4453	8	100	auburn	auburn	PROPN
fsr-4453	8	101	university	university	PROPN
fsr-4453	8	102	,	,	PUNCT
fsr-4453	8	103	montgomery	montgomery	PROPN
fsr-4453	8	104	vickie	vickie	PROPN
fsr-4453	8	105	hampton	hampton	PROPN
fsr-4453	8	106	,	,	PUNCT
fsr-4453	8	107	2008	2008	NUM
fsr-4453	8	108	-	-	SYM
fsr-4453	8	109	09	09	NUM
fsr-4453	8	110	texas	texas	PROPN
fsr-4453	8	111	tech	tech	PROPN
fsr-4453	8	112	university	university	PROPN
fsr-4453	8	113	frank	frank	PROPN
fsr-4453	8	114	laatsch	laatsch	PROPN
fsr-4453	8	115	2007	2007	NUM
fsr-4453	8	116	-	-	SYM
fsr-4453	8	117	08	08	NUM
fsr-4453	8	118	university	university	PROPN
fsr-4453	8	119	of	of	ADP
fsr-4453	8	120	southern	southern	PROPN
fsr-4453	8	121	mississippi	mississippi	PROPN
fsr-4453	8	122	daniel	daniel	PROPN
fsr-4453	8	123	walz	walz	PROPN
fsr-4453	8	124	,	,	PUNCT
fsr-4453	8	125	2006	2006	NUM
fsr-4453	8	126	-	-	SYM
fsr-4453	8	127	07	07	NUM
fsr-4453	8	128	trinity	trinity	NOUN
fsr-4453	8	129	university	university	PROPN
fsr-4453	8	130	anne	anne	PROPN
fsr-4453	8	131	gleason	gleason	PROPN
fsr-4453	8	132	,	,	PUNCT
fsr-4453	8	133	2005	2005	NUM
fsr-4453	8	134	-	-	SYM
fsr-4453	8	135	06	06	NUM
fsr-4453	8	136	college	college	PROPN
fsr-4453	8	137	of	of	ADP
fsr-4453	8	138	charleston	charleston	PROPN
fsr-4453	8	139	stuart	stuart	PROPN
fsr-4453	8	140	michelson	michelson	PROPN
fsr-4453	8	141	,	,	PUNCT
fsr-4453	8	142	2004	2004	NUM
fsr-4453	8	143	-	-	SYM
fsr-4453	8	144	05	05	NUM
fsr-4453	8	145	stetson	stetson	PROPN
fsr-4453	8	146	university	university	PROPN
fsr-4453	8	147	grady	grady	PROPN
fsr-4453	8	148	perdue	perdue	PROPN
fsr-4453	8	149	,	,	PUNCT
fsr-4453	8	150	2003	2003	NUM
fsr-4453	8	151	-	-	SYM
fsr-4453	8	152	04	04	NUM
fsr-4453	8	153	university	university	PROPN
fsr-4453	8	154	of	of	ADP
fsr-4453	8	155	houston	houston	PROPN
fsr-4453	8	156	-	-	PUNCT
fsr-4453	8	157	clear	clear	PROPN
fsr-4453	8	158	lake	lake	PROPN
fsr-4453	8	159	vickie	vickie	PROPN
fsr-4453	8	160	bajtelsmit	bajtelsmit	NOUN
fsr-4453	8	161	,	,	PUNCT
fsr-4453	8	162	2002	2002	NUM
fsr-4453	8	163	-	-	SYM
fsr-4453	8	164	03	03	NUM
fsr-4453	8	165	colorado	colorado	PROPN
fsr-4453	8	166	state	state	PROPN
fsr-4453	8	167	university	university	PROPN
fsr-4453	8	168	karen	karen	PROPN
fsr-4453	8	169	eilers	eilers	PROPN
fsr-4453	8	170	lahey	lahey	PROPN
fsr-4453	8	171	,	,	PUNCT
fsr-4453	8	172	2001	2001	NUM
fsr-4453	8	173	-	-	SYM
fsr-4453	8	174	02	02	NUM
fsr-4453	8	175	university	university	PROPN
fsr-4453	8	176	of	of	ADP
fsr-4453	8	177	akron	akron	PROPN
fsr-4453	8	178	tom	tom	PROPN
fsr-4453	8	179	eyssell	eyssell	PROPN
fsr-4453	8	180	,	,	PUNCT
fsr-4453	8	181	2000	2000	NUM
fsr-4453	8	182	-	-	SYM
fsr-4453	8	183	01	01	NUM
fsr-4453	8	184	university	university	PROPN
fsr-4453	8	185	of	of	ADP
fsr-4453	8	186	missouri	missouri	PROPN
fsr-4453	8	187	-	-	PROPN
fsr-4453	8	188	st	st	PROPN
fsr-4453	8	189	.	.	PROPN
fsr-4453	8	190	louis	louis	PROPN
fsr-4453	8	191	jill	jill	PROPN
fsr-4453	8	192	lynn	lynn	PROPN
fsr-4453	8	193	vihtelic	vihtelic	PROPN
fsr-4453	8	194	,	,	PUNCT
fsr-4453	8	195	1999	1999	NUM
fsr-4453	8	196	-	-	SYM
fsr-4453	8	197	00	00	NUM
fsr-4453	8	198	saint	saint	PROPN
fsr-4453	8	199	mary	mary	PROPN
fsr-4453	8	200	’s	’s	PART
fsr-4453	8	201	college	college	PROPN
fsr-4453	8	202	terry	terry	PROPN
fsr-4453	8	203	zivney	zivney	PROPN
fsr-4453	8	204	,	,	PUNCT
fsr-4453	8	205	1998	1998	NUM
fsr-4453	8	206	-	-	SYM
fsr-4453	8	207	99	99	NUM
fsr-4453	8	208	ball	ball	NOUN
fsr-4453	8	209	state	state	NOUN
fsr-4453	8	210	university	university	PROPN
fsr-4453	8	211	don	don	PROPN
fsr-4453	8	212	holdren	holdren	NOUN
fsr-4453	8	213	,	,	PUNCT
fsr-4453	8	214	1997	1997	NUM
fsr-4453	8	215	-	-	SYM
fsr-4453	8	216	98	98	NUM
fsr-4453	8	217	marshall	marshall	PROPN
fsr-4453	8	218	university	university	PROPN
fsr-4453	8	219	robert	robert	PROPN
fsr-4453	8	220	mcleod	mcleod	PROPN
fsr-4453	8	221	,	,	PUNCT
fsr-4453	8	222	1996	1996	NUM
fsr-4453	8	223	-	-	SYM
fsr-4453	8	224	97	97	NUM
fsr-4453	8	225	university	university	PROPN
fsr-4453	8	226	of	of	ADP
fsr-4453	8	227	alabama	alabama	PROPN
fsr-4453	8	228	walt	walt	PROPN
fsr-4453	8	229	woerheide	woerheide	PROPN
fsr-4453	8	230	,	,	PUNCT
fsr-4453	8	231	1995	1995	NUM
fsr-4453	8	232	-	-	SYM
fsr-4453	8	233	96	96	NUM
fsr-4453	8	234	the	the	DET
fsr-4453	8	235	american	american	PROPN
fsr-4453	8	236	college	college	PROPN
fsr-4453	8	237	dixie	dixie	PROPN
fsr-4453	8	238	mills	mill	NOUN
fsr-4453	8	239	,	,	PUNCT
fsr-4453	8	240	1994	1994	NUM
fsr-4453	8	241	-	-	SYM
fsr-4453	8	242	95	95	NUM
fsr-4453	8	243	illinois	illinois	PROPN
fsr-4453	8	244	state	state	PROPN
fsr-4453	8	245	university	university	PROPN
fsr-4453	8	246	ted	te	VERB
fsr-4453	8	247	veit	veit	PROPN
fsr-4453	8	248	,	,	PUNCT
fsr-4453	8	249	1993	1993	NUM
fsr-4453	8	250	-	-	SYM
fsr-4453	8	251	94	94	NUM
fsr-4453	8	252	rollins	rollins	PROPN
fsr-4453	8	253	college	college	PROPN
fsr-4453	8	254	mona	mona	PROPN
fsr-4453	8	255	gardner	gardner	PROPN
fsr-4453	8	256	,	,	PUNCT
fsr-4453	8	257	1992	1992	NUM
fsr-4453	8	258	-	-	SYM
fsr-4453	8	259	93	93	NUM
fsr-4453	8	260	illinois	illinois	PROPN
fsr-4453	8	261	wesleyan	wesleyan	PROPN
fsr-4453	8	262	university	university	PROPN
fsr-4453	8	263	jean	jean	PROPN
fsr-4453	8	264	l.	l.	PROPN
fsr-4453	8	265	heck	heck	PROPN
fsr-4453	8	266	,	,	PUNCT
fsr-4453	8	267	1991	1991	NUM
fsr-4453	8	268	-	-	SYM
fsr-4453	8	269	92	92	NUM
fsr-4453	8	270	villanova	villanova	PROPN
fsr-4453	8	271	university	university	PROPN
fsr-4453	8	272	frank	frank	PROPN
fsr-4453	8	273	k.	k.	PROPN
fsr-4453	8	274	reilly	reilly	PROPN
fsr-4453	8	275	,	,	PUNCT
fsr-4453	8	276	1990	1990	NUM
fsr-4453	8	277	-	-	SYM
fsr-4453	8	278	91	91	NUM
fsr-4453	8	279	university	university	NOUN
fsr-4453	8	280	of	of	ADP
fsr-4453	8	281	notre	notre	PROPN
fsr-4453	8	282	dame	dame	PROPN
fsr-4453	8	283	lawrence	lawrence	PROPN
fsr-4453	8	284	j.	j.	PROPN
fsr-4453	8	285	gitman	gitman	PROPN
fsr-4453	8	286	,	,	PUNCT
fsr-4453	8	287	1989	1989	NUM
fsr-4453	8	288	-	-	SYM
fsr-4453	8	289	90	90	NUM
fsr-4453	8	290	san	san	PROPN
fsr-4453	8	291	diego	diego	PROPN
fsr-4453	8	292	state	state	PROPN
fsr-4453	8	293	university	university	PROPN
fsr-4453	8	294	travis	travis	PROPN
fsr-4453	8	295	s.	s.	PROPN
fsr-4453	8	296	pritchett	pritchett	PROPN
fsr-4453	8	297	,	,	PUNCT
fsr-4453	8	298	1988	1988	NUM
fsr-4453	8	299	-	-	SYM
fsr-4453	8	300	89	89	NUM
fsr-4453	8	301	university	university	NOUN
fsr-4453	8	302	of	of	ADP
fsr-4453	8	303	south	south	PROPN
fsr-4453	8	304	carolina	carolina	PROPN
fsr-4453	8	305	tom	tom	PROPN
fsr-4453	8	306	potts	potts	PROPN
fsr-4453	8	307	,	,	PUNCT
fsr-4453	8	308	1987	1987	NUM
fsr-4453	8	309	-	-	SYM
fsr-4453	8	310	88	88	NUM
fsr-4453	8	311	baylor	baylor	NOUN
fsr-4453	8	312	university	university	PROPN
fsr-4453	8	313	robert	robert	PROPN
fsr-4453	8	314	f.	f.	PROPN
fsr-4453	8	315	bohn	bohn	PROPN
fsr-4453	8	316	,	,	PUNCT
fsr-4453	8	317	1986	1986	NUM
fsr-4453	8	318	-	-	SYM
fsr-4453	8	319	87	87	NUM
fsr-4453	8	320	golden	golden	PROPN
fsr-4453	8	321	gate	gate	PROPN
fsr-4453	8	322	university	university	PROPN
fsr-4453	8	323	tom	tom	PROPN
fsr-4453	8	324	warschauer	warschauer	PROPN
fsr-4453	8	325	,	,	PUNCT
fsr-4453	8	326	1985	1985	NUM
fsr-4453	8	327	-	-	SYM
fsr-4453	8	328	86	86	NUM
fsr-4453	8	329	san	san	PROPN
fsr-4453	8	330	diego	diego	PROPN
fsr-4453	8	331	state	state	PROPN
fsr-4453	8	332	university	university	PROPN
fsr-4453	8	333	financial	financial	ADJ
fsr-4453	8	334	services	service	NOUN
fsr-4453	8	335	review	review	NOUN
fsr-4453	8	336	is	be	AUX
fsr-4453	8	337	the	the	DET
fsr-4453	8	338	journal	journal	NOUN
fsr-4453	8	339	of	of	ADP
fsr-4453	8	340	the	the	DET
fsr-4453	8	341	academy	academy	PROPN
fsr-4453	8	342	of	of	ADP
fsr-4453	8	343	financial	financial	ADJ
fsr-4453	8	344	services	service	NOUN
fsr-4453	8	345	financial	financial	ADJ
fsr-4453	8	346	services	service	NOUN
fsr-4453	8	347	review	review	VERB
fsr-4453	8	348	the	the	DET
fsr-4453	8	349	journal	journal	NOUN
fsr-4453	8	350	of	of	ADP
fsr-4453	8	351	individual	individual	ADJ
fsr-4453	8	352	financial	financial	ADJ
fsr-4453	8	353	management	management	NOUN
fsr-4453	8	354	vol	vol	NOUN
fsr-4453	8	355	.	.	PUNCT
fsr-4453	9	1	33	33	NUM
fsr-4453	9	2	,	,	PUNCT
fsr-4453	9	3	no	no	INTJ
fsr-4453	9	4	.	.	NOUN
fsr-4453	9	5	3	3	NUM
fsr-4453	9	6	,	,	PUNCT
fsr-4453	9	7	2025	2025	NUM
fsr-4453	9	8	editor	editor	NOUN
fsr-4453	9	9	elisabeth	elisabeth	PROPN
fsr-4453	9	10	sinnewe	sinnewe	PROPN
fsr-4453	9	11	,	,	PUNCT
fsr-4453	9	12	ph.d	ph.d	PROPN
fsr-4453	9	13	.	.	PROPN
fsr-4453	9	14	queensland	queensland	PROPN
fsr-4453	9	15	university	university	PROPN
fsr-4453	9	16	of	of	ADP
fsr-4453	9	17	technology	technology	NOUN
fsr-4453	9	18	(	(	PUNCT
fsr-4453	9	19	qut	qut	NOUN
fsr-4453	9	20	)	)	PUNCT
fsr-4453	9	21	editorial	editorial	ADJ
fsr-4453	9	22	advisory	advisory	NOUN
fsr-4453	9	23	board	board	PROPN
fsr-4453	9	24	•	•	PROPN
fsr-4453	9	25	vickie	vickie	PROPN
fsr-4453	9	26	bajtelsmit	bajtelsmit	NOUN
fsr-4453	9	27	,	,	PUNCT
fsr-4453	9	28	ph.d	ph.d	PROPN
fsr-4453	9	29	.	.	PROPN
fsr-4453	9	30	,	,	PUNCT
fsr-4453	9	31	colorado	colorado	PROPN
fsr-4453	9	32	state	state	PROPN
fsr-4453	9	33	university	university	PROPN
fsr-4453	9	34	(	(	PUNCT
fsr-4453	9	35	emeritus	emeritus	NOUN
fsr-4453	9	36	)	)	PUNCT
fsr-4453	9	37	•	•	NOUN
fsr-4453	9	38	shawn	shawn	PROPN
fsr-4453	9	39	brayman	brayman	PROPN
fsr-4453	9	40	,	,	PUNCT
fsr-4453	9	41	m.e.s	m.e.s	PROPN
fsr-4453	9	42	.	.	PROPN
fsr-4453	9	43	,	,	PUNCT
fsr-4453	9	44	sb	sb	PROPN
fsr-4453	9	45	research	research	PROPN
fsr-4453	9	46	consulting	consult	VERB
fsr-4453	9	47	•	•	PROPN
fsr-4453	9	48	conrad	conrad	PROPN
fsr-4453	9	49	ciccotello	ciccotello	PROPN
fsr-4453	9	50	,	,	PUNCT
fsr-4453	9	51	jd	jd	PROPN
fsr-4453	9	52	.	.	PROPN
fsr-4453	9	53	,	,	PUNCT
fsr-4453	9	54	ph.d	ph.d	PROPN
fsr-4453	9	55	.	.	PROPN
fsr-4453	9	56	,	,	PUNCT
fsr-4453	9	57	university	university	PROPN
fsr-4453	9	58	of	of	ADP
fsr-4453	9	59	denver	denver	PROPN
fsr-4453	9	60	•	•	PROPN
fsr-4453	9	61	john	john	PROPN
fsr-4453	9	62	e.	e.	PROPN
fsr-4453	9	63	grable	grable	PROPN
fsr-4453	9	64	,	,	PUNCT
fsr-4453	9	65	ph.d	ph.d	PROPN
fsr-4453	9	66	.	.	PROPN
fsr-4453	9	67	,	,	PUNCT
fsr-4453	9	68	cfp	cfp	PROPN
fsr-4453	9	69	®	®	PROPN
fsr-4453	9	70	,	,	PUNCT
fsr-4453	9	71	university	university	PROPN
fsr-4453	9	72	of	of	ADP
fsr-4453	9	73	georgia	georgia	PROPN
fsr-4453	9	74	•	•	PROPN
fsr-4453	9	75	sherman	sherman	PROPN
fsr-4453	9	76	hanna	hanna	PROPN
fsr-4453	9	77	,	,	PUNCT
fsr-4453	9	78	ph.d	ph.d	PROPN
fsr-4453	9	79	.	.	PROPN
fsr-4453	9	80	,	,	PUNCT
fsr-4453	9	81	the	the	DET
fsr-4453	9	82	ohio	ohio	PROPN
fsr-4453	9	83	state	state	PROPN
fsr-4453	9	84	university	university	PROPN
fsr-4453	9	85	•	•	PROPN
fsr-4453	9	86	tom	tom	PROPN
fsr-4453	9	87	potts	potts	PROPN
fsr-4453	9	88	,	,	PUNCT
fsr-4453	9	89	ph.d	ph.d	PROPN
fsr-4453	9	90	.	.	PROPN
fsr-4453	9	91	,	,	PUNCT
fsr-4453	9	92	cfp	cfp	PROPN
fsr-4453	9	93	®	®	PROPN
fsr-4453	9	94	,	,	PUNCT
fsr-4453	9	95	baylor	baylor	PROPN
fsr-4453	9	96	university	university	PROPN
fsr-4453	9	97	(	(	PUNCT
fsr-4453	9	98	emeritus	emeritus	NOUN
fsr-4453	9	99	)	)	PUNCT
fsr-4453	9	100	•	•	NUM
fsr-4453	9	101	martin	martin	PROPN
fsr-4453	9	102	seay	seay	PROPN
fsr-4453	9	103	,	,	PUNCT
fsr-4453	9	104	ph.d	ph.d	PROPN
fsr-4453	9	105	.	.	PROPN
fsr-4453	9	106	,	,	PUNCT
fsr-4453	9	107	cfp	cfp	PROPN
fsr-4453	9	108	®	®	PROPN
fsr-4453	9	109	,	,	PUNCT
fsr-4453	9	110	kansas	kansas	PROPN
fsr-4453	9	111	state	state	PROPN
fsr-4453	9	112	university	university	PROPN
fsr-4453	9	113	•	•	PROPN
fsr-4453	9	114	meir	meir	PROPN
fsr-4453	9	115	statman	statman	PROPN
fsr-4453	9	116	,	,	PUNCT
fsr-4453	9	117	ph.d	ph.d	PROPN
fsr-4453	9	118	.	.	PROPN
fsr-4453	9	119	,	,	PUNCT
fsr-4453	9	120	santa	santa	PROPN
fsr-4453	9	121	clara	clara	PROPN
fsr-4453	9	122	university	university	PROPN
fsr-4453	9	123	•	•	PROPN
fsr-4453	9	124	tom	tom	PROPN
fsr-4453	9	125	warschauer	warschauer	PROPN
fsr-4453	9	126	,	,	PUNCT
fsr-4453	9	127	ph.d	ph.d	PROPN
fsr-4453	9	128	.	.	PROPN
fsr-4453	9	129	,	,	PUNCT
fsr-4453	9	130	cfp	cfp	PROPN
fsr-4453	9	131	®	®	PROPN
fsr-4453	9	132	,	,	PUNCT
fsr-4453	9	133	san	san	PROPN
fsr-4453	9	134	diego	diego	PROPN
fsr-4453	9	135	state	state	PROPN
fsr-4453	9	136	university	university	PROPN
fsr-4453	9	137	(	(	PUNCT
fsr-4453	9	138	emeritus	emeritus	NOUN
fsr-4453	9	139	)	)	PUNCT
fsr-4453	9	140	associate	associate	ADJ
fsr-4453	9	141	editors	editor	NOUN
fsr-4453	9	142	•	•	ADP
fsr-4453	9	143	swarn	swarn	PROPN
fsr-4453	9	144	chatterjee	chatterjee	PROPN
fsr-4453	9	145	,	,	PUNCT
fsr-4453	9	146	ph.d	ph.d	PROPN
fsr-4453	9	147	.	.	PROPN
fsr-4453	9	148	,	,	PUNCT
fsr-4453	9	149	university	university	PROPN
fsr-4453	9	150	of	of	ADP
fsr-4453	9	151	georgia	georgia	PROPN
fsr-4453	9	152	•	•	NUM
fsr-4453	9	153	shinae	shinae	NOUN
fsr-4453	9	154	choi	choi	PROPN
fsr-4453	9	155	,	,	PUNCT
fsr-4453	9	156	ph.d	ph.d	PROPN
fsr-4453	9	157	.	.	PROPN
fsr-4453	9	158	,	,	PUNCT
fsr-4453	9	159	university	university	PROPN
fsr-4453	9	160	of	of	ADP
fsr-4453	9	161	alabama	alabama	PROPN
fsr-4453	9	162	•	•	PROPN
fsr-4453	9	163	lu	lu	PROPN
fsr-4453	9	164	fan	fan	PROPN
fsr-4453	9	165	,	,	PUNCT
fsr-4453	9	166	ph.d	ph.d	PROPN
fsr-4453	9	167	.	.	PROPN
fsr-4453	9	168	,	,	PUNCT
fsr-4453	9	169	cfp	cfp	PROPN
fsr-4453	9	170	®	®	PROPN
fsr-4453	9	171	,	,	PUNCT
fsr-4453	9	172	university	university	PROPN
fsr-4453	9	173	of	of	ADP
fsr-4453	9	174	georgia	georgia	PROPN
fsr-4453	9	175	•	•	NUM
fsr-4453	9	176	jasmine	jasmine	PROPN
fsr-4453	9	177	fang	fang	X
fsr-4453	9	178	,	,	PUNCT
fsr-4453	9	179	ph.d	ph.d	PROPN
fsr-4453	9	180	.	.	PROPN
fsr-4453	9	181	,	,	PUNCT
fsr-4453	9	182	massey	massey	PROPN
fsr-4453	9	183	university	university	PROPN
fsr-4453	9	184	,	,	PUNCT
fsr-4453	9	185	new	new	PROPN
fsr-4453	9	186	zealand	zealand	PROPN
fsr-4453	9	187	•	•	PROPN
fsr-4453	9	188	mark	mark	PROPN
fsr-4453	9	189	fedenia	fedenia	PROPN
fsr-4453	9	190	,	,	PUNCT
fsr-4453	9	191	ph.d	ph.d	PROPN
fsr-4453	9	192	.	.	PROPN
fsr-4453	9	193	,	,	PUNCT
fsr-4453	9	194	university	university	PROPN
fsr-4453	9	195	of	of	ADP
fsr-4453	9	196	wisconsin	wisconsin	PROPN
fsr-4453	9	197	•	•	PROPN
fsr-4453	9	198	philip	philip	PROPN
fsr-4453	9	199	gibson	gibson	PROPN
fsr-4453	9	200	,	,	PUNCT
fsr-4453	9	201	ph.d	ph.d	PROPN
fsr-4453	9	202	.	.	PROPN
fsr-4453	9	203	,	,	PUNCT
fsr-4453	9	204	cfp	cfp	PROPN
fsr-4453	9	205	®	®	PROPN
fsr-4453	9	206	,	,	PUNCT
fsr-4453	9	207	winthrop	winthrop	PROPN
fsr-4453	9	208	university	university	PROPN
fsr-4453	9	209	•	•	PROPN
fsr-4453	9	210	stu	stu	PROPN
fsr-4453	9	211	heckman	heckman	PROPN
fsr-4453	9	212	,	,	PUNCT
fsr-4453	9	213	ph.d	ph.d	PROPN
fsr-4453	9	214	.	.	PROPN
fsr-4453	9	215	,	,	PUNCT
fsr-4453	9	216	cfp	cfp	PROPN
fsr-4453	9	217	®	®	PROPN
fsr-4453	9	218	,	,	PUNCT
fsr-4453	9	219	texas	texas	PROPN
fsr-4453	9	220	tech	tech	PROPN
fsr-4453	9	221	university	university	PROPN
fsr-4453	9	222	•	•	PROPN
fsr-4453	9	223	stephen	stephen	PROPN
fsr-4453	9	224	horan	horan	PROPN
fsr-4453	9	225	,	,	PUNCT
fsr-4453	9	226	ph.d	ph.d	PROPN
fsr-4453	9	227	.	.	PROPN
fsr-4453	9	228	,	,	PUNCT
fsr-4453	9	229	cfa	cfa	PROPN
fsr-4453	9	230	®	®	PROPN
fsr-4453	9	231	,	,	PUNCT
fsr-4453	9	232	university	university	PROPN
fsr-4453	9	233	of	of	ADP
fsr-4453	9	234	north	north	PROPN
fsr-4453	9	235	carolina	carolina	PROPN
fsr-4453	9	236	wilmington	wilmington	PROPN
fsr-4453	9	237	•	•	PROPN
fsr-4453	9	238	william	william	PROPN
fsr-4453	9	239	w.	w.	PROPN
fsr-4453	9	240	jennings	jennings	PROPN
fsr-4453	9	241	,	,	PUNCT
fsr-4453	9	242	ph.d	ph.d	PROPN
fsr-4453	9	243	.	.	PROPN
fsr-4453	9	244	,	,	PUNCT
fsr-4453	9	245	cfa	cfa	PROPN
fsr-4453	9	246	®	®	PROPN
fsr-4453	9	247	,	,	PUNCT
fsr-4453	9	248	u.s	u.s	PROPN
fsr-4453	9	249	.	.	PROPN
fsr-4453	9	250	airforce	airforce	PROPN
fsr-4453	9	251	academy	academy	PROPN
fsr-4453	9	252	•	•	ADP
fsr-4453	9	253	so	so	ADV
fsr-4453	9	254	-	-	PUNCT
fsr-4453	9	255	hyun	hyun	PROPN
fsr-4453	9	256	joo	joo	PROPN
fsr-4453	9	257	,	,	PUNCT
fsr-4453	9	258	ph.d	ph.d	PROPN
fsr-4453	9	259	.	.	PROPN
fsr-4453	9	260	,	,	PUNCT
fsr-4453	9	261	ewha	ewha	VERB
fsr-4453	9	262	womans	woman	NOUN
fsr-4453	9	263	university	university	PROPN
fsr-4453	9	264	,	,	PUNCT
fsr-4453	9	265	south	south	PROPN
fsr-4453	9	266	korea	korea	PROPN
fsr-4453	9	267	•	•	ADV
fsr-4453	9	268	izidin	izidin	VERB
fsr-4453	9	269	el	el	PROPN
fsr-4453	9	270	kalak	kalak	PROPN
fsr-4453	9	271	,	,	PUNCT
fsr-4453	9	272	cardiff	cardiff	PROPN
fsr-4453	9	273	university	university	NOUN
fsr-4453	9	274	,	,	PUNCT
fsr-4453	9	275	united	united	PROPN
fsr-4453	9	276	kingdom	kingdom	PROPN
fsr-4453	9	277	•	•	PROPN
fsr-4453	9	278	thomas	thomas	PROPN
fsr-4453	9	279	langdon	langdon	PROPN
fsr-4453	9	280	,	,	PUNCT
fsr-4453	9	281	ph.d	ph.d	PROPN
fsr-4453	9	282	.	.	PROPN
fsr-4453	9	283	,	,	PUNCT
fsr-4453	9	284	roger	roger	PROPN
fsr-4453	9	285	william	william	PROPN
fsr-4453	9	286	university	university	PROPN
fsr-4453	9	287	,	,	PUNCT
fsr-4453	9	288	bristol	bristol	PROPN
fsr-4453	9	289	,	,	PUNCT
fsr-4453	9	290	ri	ri	PROPN
fsr-4453	9	291	•	•	NUM
fsr-4453	9	292	claire	claire	PROPN
fsr-4453	9	293	matthews	matthews	PROPN
fsr-4453	9	294	,	,	PUNCT
fsr-4453	9	295	ph.d	ph.d	PROPN
fsr-4453	9	296	.	.	PROPN
fsr-4453	9	297	,	,	PUNCT
fsr-4453	9	298	massey	massey	PROPN
fsr-4453	9	299	university	university	PROPN
fsr-4453	9	300	,	,	PUNCT
fsr-4453	9	301	new	new	PROPN
fsr-4453	9	302	zealand	zealand	PROPN
fsr-4453	9	303	•	•	PROPN
fsr-4453	9	304	mustafa	mustafa	PROPN
fsr-4453	9	305	nourallah	nourallah	PROPN
fsr-4453	9	306	,	,	PUNCT
fsr-4453	9	307	centre	centre	NOUN
fsr-4453	9	308	for	for	ADP
fsr-4453	9	309	research	research	NOUN
fsr-4453	9	310	on	on	ADP
fsr-4453	9	311	economic	economic	ADJ
fsr-4453	9	312	relations	relation	NOUN
fsr-4453	9	313	,	,	PUNCT
fsr-4453	9	314	mid	mid	PROPN
fsr-4453	9	315	sweden	sweden	PROPN
fsr-4453	9	316	university	university	PROPN
fsr-4453	9	317	,	,	PUNCT
fsr-4453	9	318	sweden	sweden	PROPN
fsr-4453	9	319	•	•	ADP
fsr-4453	9	320	lance	lance	PROPN
fsr-4453	9	321	palmer	palmer	PROPN
fsr-4453	9	322	,	,	PUNCT
fsr-4453	9	323	ph.d	ph.d	PROPN
fsr-4453	9	324	.	.	PROPN
fsr-4453	9	325	,	,	PUNCT
fsr-4453	9	326	cfp	cfp	PROPN
fsr-4453	9	327	®	®	PROPN
fsr-4453	9	328	,	,	PUNCT
fsr-4453	9	329	cpa	cpa	PROPN
fsr-4453	9	330	®	®	PROPN
fsr-4453	9	331	,	,	PUNCT
fsr-4453	9	332	university	university	PROPN
fsr-4453	9	333	of	of	ADP
fsr-4453	9	334	georgia	georgia	PROPN
fsr-4453	9	335	•	•	NUM
fsr-4453	9	336	abed	abe	VERB
fsr-4453	9	337	rabbani	rabbani	PROPN
fsr-4453	9	338	,	,	PUNCT
fsr-4453	9	339	ph.d	ph.d	PROPN
fsr-4453	9	340	.	.	PROPN
fsr-4453	9	341	,	,	PUNCT
fsr-4453	9	342	cfp	cfp	PROPN
fsr-4453	9	343	®	®	PROPN
fsr-4453	9	344	,	,	PUNCT
fsr-4453	9	345	university	university	PROPN
fsr-4453	9	346	of	of	ADP
fsr-4453	9	347	missouri	missouri	PROPN
fsr-4453	9	348	•	•	PROPN
fsr-4453	9	349	dan	dan	PROPN
fsr-4453	9	350	richards	richards	PROPN
fsr-4453	9	351	,	,	PUNCT
fsr-4453	9	352	ph.d	ph.d	PROPN
fsr-4453	9	353	.	.	PROPN
fsr-4453	9	354	,	,	PUNCT
fsr-4453	9	355	york	york	PROPN
fsr-4453	9	356	university	university	PROPN
fsr-4453	9	357	•	•	PROPN
fsr-4453	9	358	chris	chris	PROPN
fsr-4453	9	359	robinson	robinson	PROPN
fsr-4453	9	360	,	,	PUNCT
fsr-4453	9	361	ph.d	ph.d	PROPN
fsr-4453	9	362	.	.	PROPN
fsr-4453	9	363	,	,	PUNCT
fsr-4453	9	364	cfpretired	cfpretire	VERB
fsr-4453	9	365	™	™	PROPN
fsr-4453	9	366	,	,	PUNCT
fsr-4453	9	367	cpa	cpa	NOUN
fsr-4453	9	368	,	,	PUNCT
fsr-4453	9	369	ca	ca	PROPN
fsr-4453	9	370	,	,	PUNCT
fsr-4453	9	371	york	york	PROPN
fsr-4453	9	372	university	university	PROPN
fsr-4453	9	373	(	(	PUNCT
fsr-4453	9	374	emeritus	emeritus	NOUN
fsr-4453	9	375	)	)	PUNCT
fsr-4453	9	376	,	,	PUNCT
fsr-4453	9	377	canada	canada	PROPN
fsr-4453	9	378	•	•	PROPN
fsr-4453	9	379	jerry	jerry	PROPN
fsr-4453	9	380	stevens	stevens	PROPN
fsr-4453	9	381	,	,	PUNCT
fsr-4453	9	382	ph.d	ph.d	PROPN
fsr-4453	9	383	.	.	PROPN
fsr-4453	9	384	,	,	PUNCT
fsr-4453	9	385	university	university	PROPN
fsr-4453	9	386	of	of	ADP
fsr-4453	9	387	richmond	richmond	PROPN
fsr-4453	9	388	•	•	NUM
fsr-4453	9	389	ning	ning	PROPN
fsr-4453	9	390	tang	tang	PROPN
fsr-4453	9	391	,	,	PUNCT
fsr-4453	9	392	ph.d	ph.d	PROPN
fsr-4453	9	393	.	.	PROPN
fsr-4453	9	394	,	,	PUNCT
fsr-4453	9	395	san	san	PROPN
fsr-4453	9	396	diego	diego	PROPN
fsr-4453	9	397	state	state	PROPN
fsr-4453	9	398	university	university	PROPN
fsr-4453	9	399	•	•	PROPN
fsr-4453	9	400	inga	inga	PROPN
fsr-4453	9	401	timmerman	timmerman	PROPN
fsr-4453	9	402	,	,	PUNCT
fsr-4453	9	403	ph.d	ph.d	PROPN
fsr-4453	9	404	.	.	PROPN
fsr-4453	9	405	,	,	PUNCT
fsr-4453	9	406	university	university	PROPN
fsr-4453	9	407	of	of	ADP
fsr-4453	9	408	north	north	PROPN
fsr-4453	9	409	florida	florida	PROPN
fsr-4453	9	410	•	•	NUM
fsr-4453	9	411	bomikazi	bomikazi	NOUN
fsr-4453	9	412	zeka	zeka	NOUN
fsr-4453	9	413	,	,	PUNCT
fsr-4453	9	414	ph.d	ph.d	PROPN
fsr-4453	9	415	.	.	PROPN
fsr-4453	9	416	,	,	PUNCT
fsr-4453	9	417	university	university	PROPN
fsr-4453	9	418	of	of	ADP
fsr-4453	9	419	canberra	canberra	PROPN
fsr-4453	9	420	,	,	PUNCT
fsr-4453	9	421	australia	australia	PROPN
fsr-4453	9	422	editorial	editorial	PROPN
fsr-4453	9	423	board	board	PROPN
fsr-4453	9	424	•	•	PROPN
fsr-4453	9	425	john	john	PROPN
fsr-4453	9	426	anderson	anderson	PROPN
fsr-4453	9	427	,	,	PUNCT
fsr-4453	9	428	ph.d	ph.d	PROPN
fsr-4453	9	429	.	.	PROPN
fsr-4453	9	430	,	,	PUNCT
fsr-4453	9	431	university	university	PROPN
fsr-4453	9	432	of	of	ADP
fsr-4453	9	433	kansas	kansas	PROPN
fsr-4453	9	434	•	•	PROPN
fsr-4453	9	435	kristy	kristy	PROPN
fsr-4453	9	436	archuleta	archuleta	PROPN
fsr-4453	9	437	,	,	PUNCT
fsr-4453	9	438	ph.d	ph.d	PROPN
fsr-4453	9	439	.	.	PROPN
fsr-4453	9	440	,	,	PUNCT
fsr-4453	9	441	university	university	PROPN
fsr-4453	9	442	of	of	ADP
fsr-4453	9	443	georgia	georgia	PROPN
fsr-4453	9	444	•	•	PROPN
fsr-4453	9	445	axton	axton	PROPN
fsr-4453	9	446	betz	betz	PROPN
fsr-4453	9	447	-	-	PUNCT
fsr-4453	9	448	hamilton	hamilton	PROPN
fsr-4453	9	449	,	,	PUNCT
fsr-4453	9	450	ph.d	ph.d	PROPN
fsr-4453	9	451	.	.	PROPN
fsr-4453	9	452	,	,	PUNCT
fsr-4453	9	453	south	south	PROPN
fsr-4453	9	454	dakota	dakota	PROPN
fsr-4453	9	455	state	state	PROPN
fsr-4453	9	456	university	university	PROPN
fsr-4453	9	457	•	•	PROPN
fsr-4453	9	458	alona	alona	PROPN
fsr-4453	9	459	bilokha	bilokha	PROPN
fsr-4453	9	460	,	,	PUNCT
fsr-4453	9	461	ph.d	ph.d	PROPN
fsr-4453	9	462	.	.	PROPN
fsr-4453	9	463	,	,	PUNCT
fsr-4453	9	464	university	university	PROPN
fsr-4453	9	465	of	of	ADP
fsr-4453	9	466	north	north	PROPN
fsr-4453	9	467	florida	florida	PROPN
fsr-4453	9	468	•	•	PROPN
fsr-4453	9	469	brian	brian	PROPN
fsr-4453	9	470	l.	l.	PROPN
fsr-4453	9	471	boscaljon	boscaljon	PROPN
fsr-4453	9	472	,	,	PUNCT
fsr-4453	9	473	ph.d	ph.d	PROPN
fsr-4453	9	474	.	.	PROPN
fsr-4453	9	475	,	,	PUNCT
fsr-4453	9	476	penn	penn	PROPN
fsr-4453	9	477	state	state	PROPN
fsr-4453	9	478	behrend	behrend	PROPN
fsr-4453	9	479	•	•	NOUN
fsr-4453	9	480	colleeen	colleeen	ADJ
fsr-4453	9	481	tokar	tokar	NOUN
fsr-4453	9	482	asaad	asaad	NOUN
fsr-4453	9	483	,	,	PUNCT
fsr-4453	9	484	ph.d	ph.d	PROPN
fsr-4453	9	485	.	.	PROPN
fsr-4453	9	486	,	,	PUNCT
fsr-4453	9	487	baldwin	baldwin	PROPN
fsr-4453	9	488	wallace	wallace	PROPN
fsr-4453	9	489	university	university	PROPN
fsr-4453	9	490	•	•	PROPN
fsr-4453	9	491	rachel	rachel	PROPN
fsr-4453	9	492	bi	bi	PROPN
fsr-4453	9	493	,	,	PUNCT
fsr-4453	9	494	ph.d	ph.d	PROPN
fsr-4453	9	495	.	.	PROPN
fsr-4453	9	496	,	,	PUNCT
fsr-4453	9	497	utah	utah	PROPN
fsr-4453	9	498	valley	valley	PROPN
fsr-4453	9	499	university	university	PROPN
fsr-4453	9	500	•	•	PROPN
fsr-4453	9	501	chris	chris	PROPN
fsr-4453	9	502	browning	browning	PROPN
fsr-4453	9	503	,	,	PUNCT
fsr-4453	9	504	ph.d	ph.d	PROPN
fsr-4453	9	505	.	.	PROPN
fsr-4453	9	506	,	,	PUNCT
fsr-4453	9	507	cfp	cfp	PROPN
fsr-4453	9	508	®	®	PROPN
fsr-4453	9	509	,	,	PUNCT
fsr-4453	9	510	texas	texas	PROPN
fsr-4453	9	511	tech	tech	PROPN
fsr-4453	9	512	university	university	PROPN
fsr-4453	9	513	•	•	PROPN
fsr-4453	9	514	john	john	PROPN
fsr-4453	9	515	clinebell	clinebell	PROPN
fsr-4453	9	516	,	,	PUNCT
fsr-4453	9	517	ph	ph	PROPN
fsr-4453	9	518	..	..	SYM
fsr-4453	9	519	d.	d.	PROPN
fsr-4453	9	520	,	,	PUNCT
fsr-4453	9	521	university	university	PROPN
fsr-4453	9	522	of	of	ADP
fsr-4453	9	523	northern	northern	ADJ
fsr-4453	9	524	colorado	colorado	PROPN
fsr-4453	9	525	(	(	PUNCT
fsr-4453	9	526	emeritus	emeritus	NOUN
fsr-4453	9	527	)	)	PUNCT
fsr-4453	9	528	•	•	NUM
fsr-4453	9	529	michelle	michelle	PROPN
fsr-4453	9	530	cull	cull	PROPN
fsr-4453	9	531	,	,	PUNCT
fsr-4453	9	532	ph.d	ph.d	PROPN
fsr-4453	9	533	.	.	PROPN
fsr-4453	9	534	,	,	PUNCT
fsr-4453	9	535	western	western	PROPN
fsr-4453	9	536	sydney	sydney	PROPN
fsr-4453	9	537	university	university	PROPN
fsr-4453	9	538	,	,	PUNCT
fsr-4453	9	539	australia	australia	PROPN
fsr-4453	9	540	•	•	PROPN
fsr-4453	9	541	james	james	PROPN
fsr-4453	9	542	delellio	delellio	PROPN
fsr-4453	9	543	,	,	PUNCT
fsr-4453	9	544	ph.d	ph.d	PROPN
fsr-4453	9	545	.	.	PROPN
fsr-4453	9	546	,	,	PUNCT
fsr-4453	9	547	pepperdine	pepperdine	PROPN
fsr-4453	9	548	university	university	PROPN
fsr-4453	9	549	•	•	PROPN
fsr-4453	9	550	dale	dale	PROPN
fsr-4453	9	551	domian	domian	PROPN
fsr-4453	9	552	,	,	PUNCT
fsr-4453	9	553	ph.d	ph.d	PROPN
fsr-4453	9	554	.	.	PROPN
fsr-4453	9	555	,	,	PUNCT
fsr-4453	9	556	cfp	cfp	PROPN
fsr-4453	9	557	®	®	PROPN
fsr-4453	9	558	,	,	PUNCT
fsr-4453	9	559	york	york	PROPN
fsr-4453	9	560	university	university	PROPN
fsr-4453	9	561	,	,	PUNCT
fsr-4453	9	562	canada	canada	PROPN
fsr-4453	9	563	•	•	PROPN
fsr-4453	9	564	norah	norah	PROPN
fsr-4453	9	565	feng	feng	PROPN
fsr-4453	9	566	,	,	PUNCT
fsr-4453	9	567	ph.d	ph.d	PROPN
fsr-4453	9	568	.	.	PROPN
fsr-4453	9	569	,	,	PUNCT
fsr-4453	9	570	massey	massey	PROPN
fsr-4453	9	571	university	university	PROPN
fsr-4453	9	572	,	,	PUNCT
fsr-4453	9	573	new	new	PROPN
fsr-4453	9	574	zealand	zealand	PROPN
fsr-4453	9	575	•	•	PROPN
fsr-4453	9	576	giovanni	giovanni	PROPN
fsr-4453	9	577	fernandez	fernandez	PROPN
fsr-4453	9	578	,	,	PUNCT
fsr-4453	9	579	ph	ph	PROPN
fsr-4453	9	580	..	..	SYM
fsr-4453	9	581	d.	d.	PROPN
fsr-4453	9	582	stetson	stetson	PROPN
fsr-4453	9	583	university	university	PROPN
fsr-4453	9	584	,	,	PUNCT
fsr-4453	9	585	deland	deland	PROPN
fsr-4453	9	586	,	,	PUNCT
fsr-4453	9	587	fl	fl	PROPN
fsr-4453	9	588	•	•	NUM
fsr-4453	9	589	patti	patti	PROPN
fsr-4453	9	590	fisher	fisher	PROPN
fsr-4453	9	591	,	,	PUNCT
fsr-4453	9	592	ph.d	ph.d	PROPN
fsr-4453	9	593	.	.	PROPN
fsr-4453	9	594	,	,	PUNCT
fsr-4453	9	595	virginia	virginia	PROPN
fsr-4453	9	596	tech	tech	PROPN
fsr-4453	9	597	•	•	PROPN
fsr-4453	9	598	jim	jim	PROPN
fsr-4453	9	599	gilkeson	gilkeson	PROPN
fsr-4453	9	600	,	,	PUNCT
fsr-4453	9	601	ph.d	ph.d	PROPN
fsr-4453	9	602	.	.	PROPN
fsr-4453	9	603	,	,	PUNCT
fsr-4453	9	604	cfa	cfa	PROPN
fsr-4453	9	605	,	,	PUNCT
fsr-4453	9	606	university	university	PROPN
fsr-4453	9	607	of	of	ADP
fsr-4453	9	608	central	central	PROPN
fsr-4453	9	609	florida	florida	PROPN
fsr-4453	9	610	•	•	NUM
fsr-4453	9	611	martie	martie	PROPN
fsr-4453	9	612	gillen	gillen	PROPN
fsr-4453	9	613	,	,	PUNCT
fsr-4453	9	614	ph.d	ph.d	PROPN
fsr-4453	9	615	.	.	PROPN
fsr-4453	9	616	,	,	PUNCT
fsr-4453	9	617	university	university	PROPN
fsr-4453	9	618	of	of	ADP
fsr-4453	9	619	florida	florida	PROPN
fsr-4453	9	620	•	•	NUM
fsr-4453	9	621	chuck	chuck	PROPN
fsr-4453	9	622	grace	grace	NOUN
fsr-4453	9	623	,	,	PUNCT
fsr-4453	9	624	cfp	cfp	PROPN
fsr-4453	9	625	®	®	PROPN
fsr-4453	9	626	,	,	PUNCT
fsr-4453	9	627	ivy	ivy	PROPN
fsr-4453	9	628	school	school	NOUN
fsr-4453	9	629	of	of	ADP
fsr-4453	9	630	business	business	NOUN
fsr-4453	9	631	,	,	PUNCT
fsr-4453	9	632	canada	canada	PROPN
fsr-4453	9	633	•	•	ADP
fsr-4453	9	634	drew	draw	VERB
fsr-4453	9	635	hanks	hanks	PROPN
fsr-4453	9	636	,	,	PUNCT
fsr-4453	9	637	ph.d	ph.d	PROPN
fsr-4453	9	638	.	.	PROPN
fsr-4453	9	639	,	,	PUNCT
fsr-4453	9	640	the	the	DET
fsr-4453	9	641	ohio	ohio	PROPN
fsr-4453	9	642	state	state	PROPN
fsr-4453	9	643	university	university	PROPN
fsr-4453	9	644	•	•	PROPN
fsr-4453	9	645	jennifer	jennifer	PROPN
fsr-4453	9	646	harrison	harrison	PROPN
fsr-4453	9	647	,	,	PUNCT
fsr-4453	9	648	ph.d	ph.d	PROPN
fsr-4453	9	649	.	.	PROPN
fsr-4453	9	650	,	,	PUNCT
fsr-4453	9	651	southern	southern	PROPN
fsr-4453	9	652	cross	cross	PROPN
fsr-4453	9	653	university	university	PROPN
fsr-4453	9	654	•	•	ADP
fsr-4453	9	655	wookjae	wookjae	ADV
fsr-4453	9	656	heo	heo	PROPN
fsr-4453	9	657	,	,	PUNCT
fsr-4453	9	658	ph.d	ph.d	PROPN
fsr-4453	9	659	.	.	PROPN
fsr-4453	9	660	,	,	PUNCT
fsr-4453	9	661	purdue	purdue	PROPN
fsr-4453	9	662	university	university	PROPN
fsr-4453	9	663	•	•	PROPN
fsr-4453	9	664	stephen	stephen	PROPN
fsr-4453	9	665	m.	m.	PROPN
fsr-4453	9	666	horan	horan	PROPN
fsr-4453	9	667	,	,	PUNCT
fsr-4453	9	668	ph.d	ph.d	PROPN
fsr-4453	9	669	.	.	PROPN
fsr-4453	9	670	,	,	PUNCT
fsr-4453	9	671	certified	certify	VERB
fsr-4453	9	672	financial	financial	ADJ
fsr-4453	9	673	planner	planner	NOUN
fsr-4453	9	674	board	board	NOUN
fsr-4453	9	675	of	of	ADP
fsr-4453	9	676	standards	standard	NOUN
fsr-4453	9	677	,	,	PUNCT
fsr-4453	9	678	inc	inc	PROPN
fsr-4453	9	679	.	.	PROPN
fsr-4453	9	680	•	•	PROPN
fsr-4453	9	681	russell	russell	PROPN
fsr-4453	9	682	james	james	PROPN
fsr-4453	9	683	,	,	PUNCT
fsr-4453	9	684	ph.d	ph.d	PROPN
fsr-4453	9	685	.	.	PROPN
fsr-4453	9	686	,	,	PUNCT
fsr-4453	9	687	cfp	cfp	PROPN
fsr-4453	9	688	®	®	PROPN
fsr-4453	9	689	,	,	PUNCT
fsr-4453	9	690	texas	texas	PROPN
fsr-4453	9	691	tech	tech	PROPN
fsr-4453	9	692	university	university	PROPN
fsr-4453	9	693	•	•	PROPN
fsr-4453	9	694	kyoung	kyoung	PROPN
fsr-4453	9	695	tae	tae	PROPN
fsr-4453	9	696	kim	kim	PROPN
fsr-4453	9	697	,	,	PUNCT
fsr-4453	9	698	ph.d	ph.d	PROPN
fsr-4453	9	699	.	.	PROPN
fsr-4453	9	700	,	,	PUNCT
fsr-4453	9	701	university	university	PROPN
fsr-4453	9	702	of	of	ADP
fsr-4453	9	703	alabama	alabama	PROPN
fsr-4453	9	704	•	•	PROPN
fsr-4453	9	705	eun	eun	PROPN
fsr-4453	9	706	jin	jin	PROPN
fsr-4453	9	707	kwak	kwak	PROPN
fsr-4453	9	708	,	,	PUNCT
fsr-4453	9	709	ph.d	ph.d	PROPN
fsr-4453	9	710	.	.	PROPN
fsr-4453	9	711	,	,	PUNCT
fsr-4453	9	712	university	university	PROPN
fsr-4453	9	713	of	of	ADP
fsr-4453	9	714	wisconsin	wisconsin	PROPN
fsr-4453	9	715	,	,	PUNCT
fsr-4453	9	716	green	green	PROPN
fsr-4453	9	717	bay	bay	PROPN
fsr-4453	10	1	•	•	NOUN
fsr-4453	10	2	derek	derek	PROPN
fsr-4453	10	3	lawson	lawson	PROPN
fsr-4453	10	4	,	,	PUNCT
fsr-4453	10	5	ph.d	ph.d	PROPN
fsr-4453	10	6	.	.	PROPN
fsr-4453	10	7	,	,	PUNCT
fsr-4453	10	8	cfp	cfp	PROPN
fsr-4453	10	9	®	®	PROPN
fsr-4453	10	10	,	,	PUNCT
fsr-4453	10	11	kansas	kansas	PROPN
fsr-4453	10	12	state	state	PROPN
fsr-4453	10	13	university	university	PROPN
fsr-4453	10	14	•	•	PROPN
fsr-4453	10	15	sunwoo	sunwoo	PROPN
fsr-4453	10	16	lee	lee	PROPN
fsr-4453	10	17	,	,	PUNCT
fsr-4453	10	18	ph.d	ph.d	PROPN
fsr-4453	10	19	.	.	PROPN
fsr-4453	10	20	,	,	PUNCT
fsr-4453	10	21	york	york	PROPN
fsr-4453	10	22	university	university	PROPN
fsr-4453	10	23	,	,	PUNCT
fsr-4453	10	24	canada	canada	PROPN
fsr-4453	10	25	•	•	PROPN
fsr-4453	10	26	yi	yi	PROPN
fsr-4453	10	27	liu	liu	PROPN
fsr-4453	10	28	,	,	PUNCT
fsr-4453	10	29	ph.d	ph.d	PROPN
fsr-4453	10	30	.	.	PROPN
fsr-4453	10	31	,	,	PUNCT
fsr-4453	10	32	cfp	cfp	PROPN
fsr-4453	10	33	®	®	PROPN
fsr-4453	10	34	,	,	PUNCT
fsr-4453	10	35	st	st	PROPN
fsr-4453	10	36	.	.	PROPN
fsr-4453	10	37	john	john	PROPN
fsr-4453	10	38	fisher	fisher	PROPN
fsr-4453	10	39	college	college	PROPN
fsr-4453	10	40	•	•	PROPN
fsr-4453	10	41	caezilia	caezilia	PROPN
fsr-4453	10	42	loibl	loibl	PROPN
fsr-4453	10	43	,	,	PUNCT
fsr-4453	10	44	ph.d	ph.d	PROPN
fsr-4453	10	45	.	.	PROPN
fsr-4453	10	46	,	,	PUNCT
fsr-4453	10	47	the	the	DET
fsr-4453	10	48	ohio	ohio	PROPN
fsr-4453	10	49	state	state	PROPN
fsr-4453	10	50	university	university	PROPN
fsr-4453	10	51	•	•	PROPN
fsr-4453	10	52	megan	megan	PROPN
fsr-4453	10	53	mccoy	mccoy	PROPN
fsr-4453	10	54	,	,	PUNCT
fsr-4453	10	55	ph.d	ph.d	PROPN
fsr-4453	10	56	.	.	PROPN
fsr-4453	10	57	,	,	PUNCT
fsr-4453	10	58	lmft	lmft	PROPN
fsr-4453	10	59	,	,	PUNCT
fsr-4453	10	60	cft	cft	PROPN
fsr-4453	10	61	-	-	PUNCT
fsr-4453	10	62	i	i	PROPN
fsr-4453	10	63	®	®	PROPN
fsr-4453	10	64	,	,	PUNCT
fsr-4453	10	65	kansas	kansas	PROPN
fsr-4453	10	66	state	state	PROPN
fsr-4453	10	67	university	university	PROPN
fsr-4453	10	68	•	•	PROPN
fsr-4453	10	69	ronald	ronald	PROPN
fsr-4453	10	70	mciver	mciver	PROPN
fsr-4453	10	71	,	,	PUNCT
fsr-4453	10	72	university	university	NOUN
fsr-4453	10	73	of	of	ADP
fsr-4453	10	74	south	south	PROPN
fsr-4453	10	75	australia	australia	PROPN
fsr-4453	10	76	•	•	PROPN
fsr-4453	10	77	barry	barry	PROPN
fsr-4453	10	78	mulholland	mulholland	PROPN
fsr-4453	10	79	,	,	PUNCT
fsr-4453	10	80	ph.d	ph.d	PROPN
fsr-4453	10	81	.	.	PROPN
fsr-4453	10	82	,	,	PUNCT
fsr-4453	10	83	cfp	cfp	PROPN
fsr-4453	10	84	®	®	PROPN
fsr-4453	10	85	,	,	PUNCT
fsr-4453	10	86	university	university	PROPN
fsr-4453	10	87	of	of	ADP
fsr-4453	10	88	akron	akron	PROPN
fsr-4453	10	89	•	•	PROPN
fsr-4453	10	90	david	david	PROPN
fsr-4453	10	91	nanigian	nanigian	PROPN
fsr-4453	10	92	,	,	PUNCT
fsr-4453	10	93	ph.d	ph.d	PROPN
fsr-4453	10	94	.	.	PROPN
fsr-4453	10	95	,	,	PUNCT
fsr-4453	10	96	cfp	cfp	PROPN
fsr-4453	10	97	®	®	PROPN
fsr-4453	10	98	,	,	PUNCT
fsr-4453	10	99	mount	mount	PROPN
fsr-4453	10	100	ararat	ararat	PROPN
fsr-4453	10	101	financial	financial	PROPN
fsr-4453	10	102	services	services	PROPN
fsr-4453	10	103	llc	llc	PROPN
fsr-4453	10	104	•	•	PROPN
fsr-4453	10	105	john	john	PROPN
fsr-4453	10	106	nofsinger	nofsinger	PROPN
fsr-4453	10	107	,	,	PUNCT
fsr-4453	10	108	ph.d	ph.d	PROPN
fsr-4453	10	109	.	.	PROPN
fsr-4453	10	110	,	,	PUNCT
fsr-4453	10	111	university	university	PROPN
fsr-4453	10	112	of	of	ADP
fsr-4453	10	113	alaska	alaska	PROPN
fsr-4453	10	114	anchorage	anchorage	PROPN
fsr-4453	10	115	•	•	ADP
fsr-4453	10	116	olamide	olamide	INTJ
fsr-4453	10	117	olajide	olajide	NOUN
fsr-4453	10	118	(	(	PUNCT
fsr-4453	10	119	lami	lami	NOUN
fsr-4453	10	120	)	)	PUNCT
fsr-4453	10	121	,	,	PUNCT
fsr-4453	10	122	ph.d	ph.d	PROPN
fsr-4453	10	123	.	.	PROPN
fsr-4453	10	124	,	,	PUNCT
fsr-4453	10	125	cfp	cfp	PROPN
fsr-4453	10	126	®	®	PROPN
fsr-4453	10	127	,	,	PUNCT
fsr-4453	10	128	afc	afc	PROPN
fsr-4453	10	129	,	,	PUNCT
fsr-4453	10	130	texas	texas	PROPN
fsr-4453	10	131	tech	tech	PROPN
fsr-4453	10	132	university	university	PROPN
fsr-4453	10	133	•	•	NOUN
fsr-4453	10	134	congrong	congrong	PROPN
fsr-4453	10	135	ouyang	ouyang	PROPN
fsr-4453	10	136	,	,	PUNCT
fsr-4453	10	137	ph.d	ph.d	PROPN
fsr-4453	10	138	.	.	PROPN
fsr-4453	10	139	,	,	PUNCT
fsr-4453	10	140	kansas	kansas	PROPN
fsr-4453	10	141	state	state	PROPN
fsr-4453	10	142	university	university	PROPN
fsr-4453	10	143	•	•	PROPN
fsr-4453	10	144	wade	wade	PROPN
fsr-4453	10	145	d.	d.	PROPN
fsr-4453	10	146	pfau	pfau	PROPN
fsr-4453	10	147	,	,	PUNCT
fsr-4453	10	148	ph.d	ph.d	PROPN
fsr-4453	10	149	.	.	PROPN
fsr-4453	10	150	,	,	PUNCT
fsr-4453	10	151	cfa	cfa	PROPN
fsr-4453	10	152	,	,	PUNCT
fsr-4453	10	153	ricp	ricp	PROPN
fsr-4453	10	154	,	,	PUNCT
fsr-4453	10	155	retirement	retirement	NOUN
fsr-4453	10	156	income	income	NOUN
fsr-4453	10	157	style	style	NOUN
fsr-4453	10	158	awareness	awareness	NOUN
fsr-4453	10	159	,	,	PUNCT
fsr-4453	10	160	llc	llc	PROPN
fsr-4453	10	161	•	•	PROPN
fsr-4453	10	162	miranda	miranda	PROPN
fsr-4453	10	163	reiter	reiter	PROPN
fsr-4453	10	164	,	,	PUNCT
fsr-4453	10	165	ph.d	ph.d	PROPN
fsr-4453	10	166	.	.	PROPN
fsr-4453	10	167	,	,	PUNCT
fsr-4453	10	168	cfp	cfp	PROPN
fsr-4453	10	169	®	®	PROPN
fsr-4453	10	170	,	,	PUNCT
fsr-4453	10	171	texas	texas	PROPN
fsr-4453	10	172	tech	tech	PROPN
fsr-4453	10	173	university	university	PROPN
fsr-4453	10	174	•	•	PROPN
fsr-4453	10	175	aman	aman	NOUN
fsr-4453	10	176	sunder	sunder	PROPN
fsr-4453	10	177	,	,	PUNCT
fsr-4453	10	178	ph.d	ph.d	PROPN
fsr-4453	10	179	.	.	PROPN
fsr-4453	10	180	,	,	PUNCT
fsr-4453	10	181	college	college	NOUN
fsr-4453	10	182	for	for	ADP
fsr-4453	10	183	financial	financial	ADJ
fsr-4453	10	184	planning	planning	NOUN
fsr-4453	10	185	•	•	NOUN
fsr-4453	10	186	kimberly	kimberly	NOUN
fsr-4453	10	187	watkins	watkins	PROPN
fsr-4453	10	188	,	,	PUNCT
fsr-4453	10	189	ph.d	ph.d	PROPN
fsr-4453	10	190	.	.	PROPN
fsr-4453	10	191	,	,	PUNCT
fsr-4453	10	192	university	university	PROPN
fsr-4453	10	193	of	of	ADP
fsr-4453	10	194	georgia	georgia	PROPN
fsr-4453	10	195	•	•	PROPN
fsr-4453	10	196	anne	anne	PROPN
fsr-4453	10	197	wenger	wenger	PROPN
fsr-4453	10	198	,	,	PUNCT
fsr-4453	10	199	ph.d	ph.d	PROPN
fsr-4453	10	200	.	.	PROPN
fsr-4453	10	201	,	,	PUNCT
fsr-4453	10	202	san	san	PROPN
fsr-4453	10	203	diego	diego	PROPN
fsr-4453	10	204	state	state	PROPN
fsr-4453	10	205	university	university	PROPN
fsr-4453	10	206	•	•	PROPN
fsr-4453	10	207	steffen	steffen	PROPN
fsr-4453	10	208	westermann	westermann	PROPN
fsr-4453	10	209	,	,	PUNCT
fsr-4453	10	210	ph.d	ph.d	PROPN
fsr-4453	10	211	.	.	PROPN
fsr-4453	10	212	,	,	PUNCT
fsr-4453	10	213	griffith	griffith	PROPN
fsr-4453	10	214	university	university	PROPN
fsr-4453	10	215	•	•	NOUN
fsr-4453	10	216	tansel	tansel	PROPN
fsr-4453	10	217	yilmazer	yilmazer	NOUN
fsr-4453	10	218	,	,	PUNCT
fsr-4453	10	219	ph.d	ph.d	PROPN
fsr-4453	10	220	.	.	PROPN
fsr-4453	10	221	,	,	PUNCT
fsr-4453	10	222	cfp	cfp	PROPN
fsr-4453	10	223	®	®	PROPN
fsr-4453	10	224	,	,	PUNCT
fsr-4453	10	225	the	the	DET
fsr-4453	10	226	ohio	ohio	PROPN
fsr-4453	10	227	state	state	PROPN
fsr-4453	10	228	university	university	PROPN
fsr-4453	10	229	the	the	DET
fsr-4453	10	230	editor	editor	NOUN
fsr-4453	10	231	of	of	ADP
fsr-4453	10	232	financial	financial	ADJ
fsr-4453	10	233	services	service	NOUN
fsr-4453	10	234	review	review	VERB
fsr-4453	10	235	wishes	wish	VERB
fsr-4453	10	236	to	to	PART
fsr-4453	10	237	thank	thank	VERB
fsr-4453	10	238	university	university	PROPN
fsr-4453	10	239	of	of	ADP
fsr-4453	10	240	georgia	georgia	PROPN
fsr-4453	10	241	for	for	ADP
fsr-4453	10	242	support	support	NOUN
fsr-4453	10	243	of	of	ADP
fsr-4453	10	244	the	the	DET
fsr-4453	10	245	journal	journal	PROPN
fsr-4453	10	246	financial	financial	PROPN
fsr-4453	10	247	services	service	NOUN
fsr-4453	10	248	review	review	NOUN
fsr-4453	10	249	(	(	PUNCT
fsr-4453	10	250	fsr	fsr	PROPN
fsr-4453	10	251	)	)	PUNCT
fsr-4453	10	252	is	be	AUX
fsr-4453	10	253	the	the	DET
fsr-4453	10	254	official	official	ADJ
fsr-4453	10	255	publication	publication	NOUN
fsr-4453	10	256	of	of	ADP
fsr-4453	10	257	the	the	DET
fsr-4453	10	258	academy	academy	NOUN
fsr-4453	10	259	of	of	ADP
fsr-4453	10	260	financial	financial	ADJ
fsr-4453	10	261	services	service	NOUN
fsr-4453	10	262	.	.	PUNCT
fsr-4453	11	1	fsr	fsr	PROPN
fsr-4453	11	2	is	be	AUX
fsr-4453	11	3	a	a	DET
fsr-4453	11	4	diamond	diamond	NOUN
fsr-4453	11	5	open	open	ADJ
fsr-4453	11	6	access	access	NOUN
fsr-4453	11	7	journal	journal	NOUN
fsr-4453	11	8	,	,	PUNCT
fsr-4453	11	9	which	which	PRON
fsr-4453	11	10	means	mean	VERB
fsr-4453	11	11	there	there	PRON
fsr-4453	11	12	are	be	VERB
fsr-4453	11	13	no	no	DET
fsr-4453	11	14	fees	fee	NOUN
fsr-4453	11	15	or	or	CCONJ
fsr-4453	11	16	restrictions	restriction	NOUN
fsr-4453	11	17	for	for	ADP
fsr-4453	11	18	access	access	NOUN
fsr-4453	11	19	to	to	ADP
fsr-4453	11	20	or	or	CCONJ
fsr-4453	11	21	submission	submission	NOUN
fsr-4453	11	22	of	of	ADP
fsr-4453	11	23	research	research	NOUN
fsr-4453	11	24	and	and	CCONJ
fsr-4453	11	25	no	no	DET
fsr-4453	11	26	article	article	NOUN
fsr-4453	11	27	processing	processing	NOUN
fsr-4453	11	28	fees	fee	NOUN
fsr-4453	11	29	if	if	SCONJ
fsr-4453	11	30	published	publish	VERB
fsr-4453	11	31	.	.	PUNCT
fsr-4453	12	1	the	the	DET
fsr-4453	12	2	purpose	purpose	NOUN
fsr-4453	12	3	of	of	ADP
fsr-4453	12	4	this	this	DET
fsr-4453	12	5	double	double	ADJ
fsr-4453	12	6	-	-	PUNCT
fsr-4453	12	7	blind	blind	ADJ
fsr-4453	12	8	peer	peer	NOUN
fsr-4453	12	9	-	-	PUNCT
fsr-4453	12	10	reviewed	review	VERB
fsr-4453	12	11	academic	academic	ADJ
fsr-4453	12	12	journal	journal	NOUN
fsr-4453	12	13	is	be	AUX
fsr-4453	12	14	to	to	PART
fsr-4453	12	15	encourage	encourage	VERB
fsr-4453	12	16	research	research	NOUN
fsr-4453	12	17	that	that	PRON
fsr-4453	12	18	examines	examine	VERB
fsr-4453	12	19	the	the	DET
fsr-4453	12	20	impact	impact	NOUN
fsr-4453	12	21	of	of	ADP
fsr-4453	12	22	financial	financial	ADJ
fsr-4453	12	23	issues	issue	NOUN
fsr-4453	12	24	on	on	ADP
fsr-4453	12	25	individuals	individual	NOUN
fsr-4453	12	26	.	.	PUNCT
fsr-4453	13	1	in	in	ADP
fsr-4453	13	2	contrast	contrast	NOUN
fsr-4453	13	3	to	to	ADP
fsr-4453	13	4	the	the	DET
fsr-4453	13	5	many	many	ADJ
fsr-4453	13	6	corporate	corporate	ADJ
fsr-4453	13	7	or	or	CCONJ
fsr-4453	13	8	institutional	institutional	ADJ
fsr-4453	13	9	journals	journal	NOUN
fsr-4453	13	10	that	that	PRON
fsr-4453	13	11	are	be	AUX
fsr-4453	13	12	available	available	ADJ
fsr-4453	13	13	in	in	ADP
fsr-4453	13	14	finance	finance	NOUN
fsr-4453	13	15	,	,	PUNCT
fsr-4453	13	16	the	the	DET
fsr-4453	13	17	focus	focus	NOUN
fsr-4453	13	18	of	of	ADP
fsr-4453	13	19	this	this	DET
fsr-4453	13	20	journal	journal	NOUN
fsr-4453	13	21	is	be	AUX
fsr-4453	13	22	on	on	ADP
fsr-4453	13	23	individual	individual	ADJ
fsr-4453	13	24	financial	financial	ADJ
fsr-4453	13	25	management	management	NOUN
fsr-4453	13	26	.	.	PUNCT
fsr-4453	14	1	fsr	fsr	PROPN
fsr-4453	14	2	provides	provide	VERB
fsr-4453	14	3	a	a	DET
fsr-4453	14	4	forum	forum	NOUN
fsr-4453	14	5	for	for	ADP
fsr-4453	14	6	those	those	PRON
fsr-4453	14	7	who	who	PRON
fsr-4453	14	8	are	be	AUX
fsr-4453	14	9	interested	interested	ADJ
fsr-4453	14	10	in	in	ADP
fsr-4453	14	11	the	the	DET
fsr-4453	14	12	individual	individual	ADJ
fsr-4453	14	13	perspective	perspective	NOUN
fsr-4453	14	14	on	on	ADP
fsr-4453	14	15	issues	issue	NOUN
fsr-4453	14	16	in	in	ADP
fsr-4453	14	17	the	the	DET
fsr-4453	14	18	areas	area	NOUN
fsr-4453	14	19	of	of	ADP
fsr-4453	14	20	financial	financial	ADJ
fsr-4453	14	21	planning	planning	NOUN
fsr-4453	14	22	,	,	PUNCT
fsr-4453	14	23	financial	financial	ADJ
fsr-4453	14	24	counseling	counseling	NOUN
fsr-4453	14	25	,	,	PUNCT
fsr-4453	14	26	financial	financial	ADJ
fsr-4453	14	27	literacy	literacy	NOUN
fsr-4453	14	28	,	,	PUNCT
fsr-4453	14	29	banking	banking	NOUN
fsr-4453	14	30	/	/	SYM
fsr-4453	14	31	banking	banking	NOUN
fsr-4453	14	32	services	service	NOUN
fsr-4453	14	33	,	,	PUNCT
fsr-4453	14	34	education	education	NOUN
fsr-4453	14	35	in	in	ADP
fsr-4453	14	36	financial	financial	ADJ
fsr-4453	14	37	services	service	NOUN
fsr-4453	14	38	,	,	PUNCT
fsr-4453	14	39	employee	employee	NOUN
fsr-4453	14	40	benefits	benefit	NOUN
fsr-4453	14	41	,	,	PUNCT
fsr-4453	14	42	estate	estate	NOUN
fsr-4453	14	43	and	and	CCONJ
fsr-4453	14	44	tax	tax	NOUN
fsr-4453	14	45	planning	planning	NOUN
fsr-4453	14	46	,	,	PUNCT
fsr-4453	14	47	insurance	insurance	NOUN
fsr-4453	14	48	planning	planning	NOUN
fsr-4453	14	49	,	,	PUNCT
fsr-4453	14	50	investments	investment	NOUN
fsr-4453	14	51	,	,	PUNCT
fsr-4453	14	52	mutual	mutual	ADJ
fsr-4453	14	53	funds	fund	NOUN
fsr-4453	14	54	,	,	PUNCT
fsr-4453	14	55	non	non	ADJ
fsr-4453	14	56	-	-	ADJ
fsr-4453	14	57	bank	bank	ADJ
fsr-4453	14	58	financial	financial	ADJ
fsr-4453	14	59	institutions	institution	NOUN
fsr-4453	14	60	,	,	PUNCT
fsr-4453	14	61	pension	pension	NOUN
fsr-4453	14	62	and	and	CCONJ
fsr-4453	14	63	retirement	retirement	NOUN
fsr-4453	14	64	,	,	PUNCT
fsr-4453	14	65	planning	planning	NOUN
fsr-4453	14	66	,	,	PUNCT
fsr-4453	14	67	and	and	CCONJ
fsr-4453	14	68	real	real	ADJ
fsr-4453	14	69	estate	estate	NOUN
fsr-4453	14	70	.	.	PUNCT
fsr-4453	15	1	while	while	SCONJ
fsr-4453	15	2	the	the	DET
fsr-4453	15	3	annual	annual	ADJ
fsr-4453	15	4	meeting	meeting	NOUN
fsr-4453	15	5	held	hold	VERB
fsr-4453	15	6	each	each	DET
fsr-4453	15	7	fall	fall	NOUN
fsr-4453	15	8	provides	provide	VERB
fsr-4453	15	9	an	an	DET
fsr-4453	15	10	opportunity	opportunity	NOUN
fsr-4453	15	11	to	to	PART
fsr-4453	15	12	discuss	discuss	VERB
fsr-4453	15	13	and	and	CCONJ
fsr-4453	15	14	present	present	VERB
fsr-4453	15	15	these	these	DET
fsr-4453	15	16	topics	topic	NOUN
fsr-4453	15	17	to	to	ADP
fsr-4453	15	18	colleagues	colleague	NOUN
fsr-4453	15	19	,	,	PUNCT
fsr-4453	15	20	the	the	DET
fsr-4453	15	21	journal	journal	NOUN
fsr-4453	15	22	allows	allow	VERB
fsr-4453	15	23	a	a	DET
fsr-4453	15	24	much	much	ADV
fsr-4453	15	25	wider	wide	ADJ
fsr-4453	15	26	audience	audience	NOUN
fsr-4453	15	27	of	of	ADP
fsr-4453	15	28	those	those	PRON
fsr-4453	15	29	interested	interested	ADJ
fsr-4453	15	30	in	in	ADP
fsr-4453	15	31	this	this	DET
fsr-4453	15	32	subject	subject	NOUN
fsr-4453	15	33	matter	matter	NOUN
fsr-4453	15	34	.	.	PUNCT
fsr-4453	16	1	to	to	PART
fsr-4453	16	2	encourage	encourage	VERB
fsr-4453	16	3	the	the	DET
fsr-4453	16	4	development	development	NOUN
fsr-4453	16	5	of	of	ADP
fsr-4453	16	6	curricula	curricula	NOUN
fsr-4453	16	7	in	in	ADP
fsr-4453	16	8	financial	financial	ADJ
fsr-4453	16	9	services	service	NOUN
fsr-4453	16	10	at	at	ADP
fsr-4453	16	11	the	the	DET
fsr-4453	16	12	university	university	NOUN
fsr-4453	16	13	level	level	NOUN
fsr-4453	16	14	,	,	PUNCT
fsr-4453	16	15	appropriate	appropriate	ADJ
fsr-4453	16	16	pedagogical	pedagogical	ADJ
fsr-4453	16	17	papers	paper	NOUN
fsr-4453	16	18	are	be	AUX
fsr-4453	16	19	accepted	accept	VERB
fsr-4453	16	20	for	for	ADP
fsr-4453	16	21	publication	publication	NOUN
fsr-4453	16	22	.	.	PUNCT
fsr-4453	17	1	manuscripts	manuscript	NOUN
fsr-4453	17	2	are	be	AUX
fsr-4453	17	3	encouraged	encourage	VERB
fsr-4453	17	4	that	that	SCONJ
fsr-4453	17	5	present	present	ADJ
fsr-4453	17	6	ideas	idea	NOUN
fsr-4453	17	7	about	about	ADP
fsr-4453	17	8	appropriate	appropriate	ADJ
fsr-4453	17	9	content	content	NOUN
fsr-4453	17	10	,	,	PUNCT
fsr-4453	17	11	methods	method	NOUN
fsr-4453	17	12	of	of	ADP
fsr-4453	17	13	teaching	teaching	NOUN
fsr-4453	17	14	,	,	PUNCT
fsr-4453	17	15	and	and	CCONJ
fsr-4453	17	16	materials	material	NOUN
fsr-4453	17	17	.	.	PUNCT
fsr-4453	18	1	contributions	contribution	NOUN
fsr-4453	18	2	from	from	ADP
fsr-4453	18	3	practitioners	practitioner	NOUN
fsr-4453	18	4	who	who	PRON
fsr-4453	18	5	are	be	AUX
fsr-4453	18	6	actively	actively	ADV
fsr-4453	18	7	involved	involve	VERB
fsr-4453	18	8	in	in	ADP
fsr-4453	18	9	financial	financial	ADJ
fsr-4453	18	10	planning	planning	NOUN
fsr-4453	18	11	,	,	PUNCT
fsr-4453	18	12	financial	financial	ADJ
fsr-4453	18	13	services	service	NOUN
fsr-4453	18	14	,	,	PUNCT
fsr-4453	18	15	and	and	CCONJ
fsr-4453	18	16	professional	professional	ADJ
fsr-4453	18	17	associations	association	NOUN
fsr-4453	18	18	are	be	AUX
fsr-4453	18	19	also	also	ADV
fsr-4453	18	20	encouraged	encourage	VERB
fsr-4453	18	21	.	.	PUNCT
fsr-4453	19	1	while	while	SCONJ
fsr-4453	19	2	the	the	DET
fsr-4453	19	3	primary	primary	ADJ
fsr-4453	19	4	purpose	purpose	NOUN
fsr-4453	19	5	of	of	ADP
fsr-4453	19	6	this	this	DET
fsr-4453	19	7	journal	journal	NOUN
fsr-4453	19	8	is	be	AUX
fsr-4453	19	9	the	the	DET
fsr-4453	19	10	publication	publication	NOUN
fsr-4453	19	11	of	of	ADP
fsr-4453	19	12	traditional	traditional	ADJ
fsr-4453	19	13	academic	academic	ADJ
fsr-4453	19	14	empirical	empirical	ADJ
fsr-4453	19	15	research	research	NOUN
fsr-4453	19	16	,	,	PUNCT
fsr-4453	19	17	the	the	DET
fsr-4453	19	18	academy	academy	NOUN
fsr-4453	19	19	believes	believe	VERB
fsr-4453	19	20	that	that	SCONJ
fsr-4453	19	21	it	it	PRON
fsr-4453	19	22	is	be	AUX
fsr-4453	19	23	important	important	ADJ
fsr-4453	19	24	to	to	PART
fsr-4453	19	25	encourage	encourage	VERB
fsr-4453	19	26	the	the	DET
fsr-4453	19	27	cross	cross	ADJ
fsr-4453	19	28	fertilization	fertilization	NOUN
fsr-4453	19	29	of	of	ADP
fsr-4453	19	30	ideas	idea	NOUN
fsr-4453	19	31	and	and	CCONJ
fsr-4453	19	32	an	an	DET
fsr-4453	19	33	exchange	exchange	NOUN
fsr-4453	19	34	of	of	ADP
fsr-4453	19	35	information	information	NOUN
fsr-4453	19	36	of	of	ADP
fsr-4453	19	37	interest	interest	NOUN
fsr-4453	19	38	to	to	ADP
fsr-4453	19	39	both	both	DET
fsr-4453	19	40	academicians	academician	NOUN
fsr-4453	19	41	and	and	CCONJ
fsr-4453	19	42	practitioners	practitioner	NOUN
fsr-4453	19	43	.	.	PUNCT
fsr-4453	20	1	thus	thus	ADV
fsr-4453	20	2	,	,	PUNCT
fsr-4453	20	3	the	the	DET
fsr-4453	20	4	editor	editor	NOUN
fsr-4453	20	5	seeks	seek	VERB
fsr-4453	20	6	manuscripts	manuscript	NOUN
fsr-4453	20	7	from	from	ADP
fsr-4453	20	8	practitioners	practitioner	NOUN
fsr-4453	20	9	that	that	PRON
fsr-4453	20	10	present	present	VERB
fsr-4453	20	11	innovative	innovative	ADJ
fsr-4453	20	12	ideas	idea	NOUN
fsr-4453	20	13	and	and	CCONJ
fsr-4453	20	14	new	new	ADJ
fsr-4453	20	15	information	information	NOUN
fsr-4453	20	16	in	in	ADP
fsr-4453	20	17	financial	financial	ADJ
fsr-4453	20	18	planning	planning	NOUN
fsr-4453	20	19	and	and	CCONJ
fsr-4453	20	20	services	service	NOUN
fsr-4453	20	21	or	or	CCONJ
fsr-4453	20	22	suggest	suggest	VERB
fsr-4453	20	23	new	new	ADJ
fsr-4453	20	24	avenues	avenue	NOUN
fsr-4453	20	25	of	of	ADP
fsr-4453	20	26	research	research	NOUN
fsr-4453	20	27	for	for	ADP
fsr-4453	20	28	academics	academic	NOUN
fsr-4453	20	29	.	.	PUNCT
fsr-4453	21	1	this	this	DET
fsr-4453	21	2	work	work	NOUN
fsr-4453	21	3	is	be	AUX
fsr-4453	21	4	licensed	license	VERB
fsr-4453	21	5	under	under	ADP
fsr-4453	21	6	a	a	DET
fsr-4453	21	7	creative	creative	ADJ
fsr-4453	21	8	commons	common	NOUN
fsr-4453	21	9	attribution	attribution	NOUN
fsr-4453	21	10	-	-	PUNCT
fsr-4453	21	11	noncommercial	noncommercial	ADJ
fsr-4453	21	12	4.0	4.0	NUM
fsr-4453	21	13	international	international	ADJ
fsr-4453	21	14	license	license	NOUN
fsr-4453	21	15	.	.	PUNCT
fsr-4453	22	1	author(s	author(s	NOUN
fsr-4453	22	2	)	)	PUNCT
fsr-4453	22	3	retain	retain	VERB
fsr-4453	22	4	copyright	copyright	NOUN
fsr-4453	22	5	and	and	CCONJ
fsr-4453	22	6	grant	grant	VERB
fsr-4453	22	7	the	the	DET
fsr-4453	22	8	journal	journal	NOUN
fsr-4453	22	9	right	right	ADV
fsr-4453	22	10	of	of	ADP
fsr-4453	22	11	first	first	ADJ
fsr-4453	22	12	publication	publication	NOUN
fsr-4453	22	13	with	with	ADP
fsr-4453	22	14	the	the	DET
fsr-4453	22	15	work	work	NOUN
fsr-4453	22	16	simultaneously	simultaneously	ADV
fsr-4453	22	17	licensed	license	VERB
fsr-4453	22	18	under	under	ADP
fsr-4453	22	19	a	a	DET
fsr-4453	22	20	creative	creative	ADJ
fsr-4453	22	21	commons	common	NOUN
fsr-4453	22	22	attribution	attribution	NOUN
fsr-4453	22	23	-	-	PUNCT
fsr-4453	22	24	noncommercial	noncommercial	ADJ
fsr-4453	22	25	4.0	4.0	NUM
fsr-4453	22	26	international	international	ADJ
fsr-4453	22	27	license	license	NOUN
fsr-4453	22	28	that	that	PRON
fsr-4453	22	29	allows	allow	VERB
fsr-4453	22	30	to	to	PART
fsr-4453	22	31	share	share	VERB
fsr-4453	22	32	the	the	DET
fsr-4453	22	33	work	work	NOUN
fsr-4453	22	34	with	with	ADP
fsr-4453	22	35	an	an	DET
fsr-4453	22	36	acknowledgment	acknowledgment	NOUN
fsr-4453	22	37	of	of	ADP
fsr-4453	22	38	the	the	DET
fsr-4453	22	39	work	work	NOUN
fsr-4453	22	40	's	's	PART
fsr-4453	22	41	authorship	authorship	NOUN
fsr-4453	22	42	and	and	CCONJ
fsr-4453	22	43	initial	initial	ADJ
fsr-4453	22	44	publication	publication	NOUN
fsr-4453	22	45	in	in	ADP
fsr-4453	22	46	this	this	DET
fsr-4453	22	47	journal	journal	NOUN
fsr-4453	22	48	.	.	PUNCT
fsr-4453	23	1	this	this	DET
fsr-4453	23	2	license	license	NOUN
fsr-4453	23	3	allows	allow	VERB
fsr-4453	23	4	the	the	DET
fsr-4453	23	5	author	author	NOUN
fsr-4453	23	6	to	to	ADP
fsr-4453	23	7	remix	remix	NOUN
fsr-4453	23	8	,	,	PUNCT
fsr-4453	23	9	tweak	tweak	NOUN
fsr-4453	23	10	,	,	PUNCT
fsr-4453	23	11	and	and	CCONJ
fsr-4453	23	12	build	build	VERB
fsr-4453	23	13	upon	upon	SCONJ
fsr-4453	23	14	the	the	DET
fsr-4453	23	15	original	original	ADJ
fsr-4453	23	16	work	work	NOUN
fsr-4453	23	17	non	non	ADJ
fsr-4453	23	18	-	-	ADJ
fsr-4453	23	19	commercially	commercially	ADV
fsr-4453	23	20	.	.	PUNCT
fsr-4453	24	1	the	the	DET
fsr-4453	24	2	new	new	PROPN
fsr-4453	24	3	work(s	work(s	PROPN
fsr-4453	24	4	)	)	PUNCT
fsr-4453	24	5	must	must	AUX
fsr-4453	24	6	be	be	AUX
fsr-4453	24	7	non	non	ADJ
fsr-4453	24	8	-	-	ADJ
fsr-4453	24	9	commercial	commercial	ADJ
fsr-4453	24	10	and	and	CCONJ
fsr-4453	24	11	acknowledge	acknowledge	VERB
fsr-4453	24	12	the	the	DET
fsr-4453	24	13	original	original	ADJ
fsr-4453	24	14	work	work	NOUN
fsr-4453	24	15	.	.	PUNCT
fsr-4453	25	1	https://creativecommons.org/licenses/by-nc/4.0/	https://creativecommons.org/licenses/by-nc/4.0/	INTJ
fsr-4453	25	2	https://creativecommons.org/licenses/by-nc/4.0/	https://creativecommons.org/licenses/by-nc/4.0/	PRON
fsr-4453	25	3	https://creativecommons.org/licenses/by-nc/4.0/	https://creativecommons.org/licenses/by-nc/4.0/	NOUN
fsr-4453	25	4	https://www.lib.sfu.ca/help/publish/scholarly-publishing/radical-access/open-access-colour-classifications	https://www.lib.sfu.ca/help/publish/scholarly-publishing/radical-access/open-access-colour-classification	NOUN