id	sid	tid	token	lemma	pos
fbem-15359	1	1	frontiers	frontier	NOUN
fbem-15359	1	2	in	in	ADP
fbem-15359	1	3	business	business	NOUN
fbem-15359	1	4	,	,	PUNCT
fbem-15359	1	5	economics	economic	NOUN
fbem-15359	1	6	and	and	CCONJ
fbem-15359	1	7	management	management	NOUN
fbem-15359	1	8	issn	issn	PROPN
fbem-15359	1	9	:	:	PUNCT
fbem-15359	1	10	2766	2766	NUM
fbem-15359	1	11	-	-	PUNCT
fbem-15359	1	12	824x	824x	NUM
fbem-15359	1	13	|	|	ADJ
fbem-15359	1	14	vol	vol	NOUN
fbem-15359	1	15	.	.	PROPN
fbem-15359	1	16	12	12	NUM
fbem-15359	1	17	,	,	PUNCT
fbem-15359	1	18	no	no	INTJ
fbem-15359	1	19	.	.	NOUN
fbem-15359	1	20	3	3	NUM
fbem-15359	1	21	,	,	PUNCT
fbem-15359	1	22	2023	2023	NUM
fbem-15359	1	23	5	5	NUM
fbem-15359	1	24	the	the	DET
fbem-15359	1	25	household	household	NOUN
fbem-15359	1	26	head	head	NOUN
fbem-15359	1	27	's	's	PART
fbem-15359	1	28	educational	educational	ADJ
fbem-15359	1	29	level	level	NOUN
fbem-15359	1	30	and	and	CCONJ
fbem-15359	1	31	financial	financial	ADJ
fbem-15359	1	32	decision‐making	decision‐making	PROPN
fbem-15359	1	33	siman	siman	PROPN
fbem-15359	1	34	wang	wang	PROPN
fbem-15359	1	35	school	school	PROPN
fbem-15359	1	36	of	of	ADP
fbem-15359	1	37	business	business	NOUN
fbem-15359	1	38	,	,	PUNCT
fbem-15359	1	39	hunan	hunan	PROPN
fbem-15359	1	40	university	university	PROPN
fbem-15359	1	41	of	of	ADP
fbem-15359	1	42	science	science	NOUN
fbem-15359	1	43	and	and	CCONJ
fbem-15359	1	44	technology	technology	NOUN
fbem-15359	1	45	,	,	PUNCT
fbem-15359	1	46	xiangtan	xiangtan	PROPN
fbem-15359	1	47	,	,	PUNCT
fbem-15359	1	48	hunan	hunan	PROPN
fbem-15359	1	49	411201	411201	NUM
fbem-15359	1	50	,	,	PUNCT
fbem-15359	1	51	china	china	PROPN
fbem-15359	1	52	abstract	abstract	NOUN
fbem-15359	1	53	:	:	PUNCT
fbem-15359	1	54	this	this	DET
fbem-15359	1	55	paper	paper	NOUN
fbem-15359	1	56	addresses	address	VERB
fbem-15359	1	57	the	the	DET
fbem-15359	1	58	pressing	press	VERB
fbem-15359	1	59	need	need	NOUN
fbem-15359	1	60	for	for	ADP
fbem-15359	1	61	diversification	diversification	NOUN
fbem-15359	1	62	in	in	ADP
fbem-15359	1	63	financial	financial	ADJ
fbem-15359	1	64	asset	asset	NOUN
fbem-15359	1	65	choices	choice	NOUN
fbem-15359	1	66	among	among	ADP
fbem-15359	1	67	chinese	chinese	ADJ
fbem-15359	1	68	households	household	NOUN
fbem-15359	1	69	,	,	PUNCT
fbem-15359	1	70	in	in	ADP
fbem-15359	1	71	alignment	alignment	NOUN
fbem-15359	1	72	with	with	ADP
fbem-15359	1	73	the	the	DET
fbem-15359	1	74	ongoing	ongoing	ADJ
fbem-15359	1	75	reforms	reform	NOUN
fbem-15359	1	76	in	in	ADP
fbem-15359	1	77	the	the	DET
fbem-15359	1	78	education	education	NOUN
fbem-15359	1	79	system	system	NOUN
fbem-15359	1	80	.	.	PUNCT
fbem-15359	2	1	it	it	PRON
fbem-15359	2	2	examines	examine	VERB
fbem-15359	2	3	the	the	DET
fbem-15359	2	4	influence	influence	NOUN
fbem-15359	2	5	of	of	ADP
fbem-15359	2	6	the	the	DET
fbem-15359	2	7	educational	educational	ADJ
fbem-15359	2	8	attainment	attainment	NOUN
fbem-15359	2	9	of	of	ADP
fbem-15359	2	10	the	the	DET
fbem-15359	2	11	household	household	NOUN
fbem-15359	2	12	head	head	NOUN
fbem-15359	2	13	on	on	ADP
fbem-15359	2	14	family	family	NOUN
fbem-15359	2	15	financial	financial	ADJ
fbem-15359	2	16	decision	decision	NOUN
fbem-15359	2	17	-	-	PUNCT
fbem-15359	2	18	making	making	NOUN
fbem-15359	2	19	.	.	PUNCT
fbem-15359	3	1	drawing	draw	VERB
fbem-15359	3	2	on	on	ADP
fbem-15359	3	3	microdata	microdata	NOUN
fbem-15359	3	4	from	from	ADP
fbem-15359	3	5	the	the	DET
fbem-15359	3	6	2013	2013	NUM
fbem-15359	3	7	china	china	PROPN
fbem-15359	3	8	household	household	NOUN
fbem-15359	3	9	finance	finance	NOUN
fbem-15359	3	10	survey	survey	NOUN
fbem-15359	3	11	(	(	PUNCT
fbem-15359	3	12	chfs	chfs	PROPN
fbem-15359	3	13	)	)	PUNCT
fbem-15359	3	14	,	,	PUNCT
fbem-15359	3	15	the	the	DET
fbem-15359	3	16	study	study	NOUN
fbem-15359	3	17	reveals	reveal	VERB
fbem-15359	3	18	a	a	DET
fbem-15359	3	19	significant	significant	ADJ
fbem-15359	3	20	correlation	correlation	NOUN
fbem-15359	3	21	between	between	ADP
fbem-15359	3	22	the	the	DET
fbem-15359	3	23	educational	educational	ADJ
fbem-15359	3	24	level	level	NOUN
fbem-15359	3	25	of	of	ADP
fbem-15359	3	26	the	the	DET
fbem-15359	3	27	household	household	NOUN
fbem-15359	3	28	head	head	NOUN
fbem-15359	3	29	and	and	CCONJ
fbem-15359	3	30	the	the	DET
fbem-15359	3	31	diversity	diversity	NOUN
fbem-15359	3	32	of	of	ADP
fbem-15359	3	33	family	family	NOUN
fbem-15359	3	34	financial	financial	ADJ
fbem-15359	3	35	asset	asset	NOUN
fbem-15359	3	36	selections	selection	NOUN
fbem-15359	3	37	,	,	PUNCT
fbem-15359	3	38	with	with	ADP
fbem-15359	3	39	these	these	DET
fbem-15359	3	40	findings	finding	NOUN
fbem-15359	3	41	remaining	remain	VERB
fbem-15359	3	42	robust	robust	ADJ
fbem-15359	3	43	across	across	ADP
fbem-15359	3	44	various	various	ADJ
fbem-15359	3	45	tests	test	NOUN
fbem-15359	3	46	.	.	PUNCT
fbem-15359	4	1	the	the	DET
fbem-15359	4	2	study	study	NOUN
fbem-15359	4	3	also	also	ADV
fbem-15359	4	4	notes	note	VERB
fbem-15359	4	5	regional	regional	ADJ
fbem-15359	4	6	and	and	CCONJ
fbem-15359	4	7	household	household	NOUN
fbem-15359	4	8	registration	registration	NOUN
fbem-15359	4	9	-	-	PUNCT
fbem-15359	4	10	based	base	VERB
fbem-15359	4	11	disparities	disparity	NOUN
fbem-15359	4	12	in	in	ADP
fbem-15359	4	13	financial	financial	ADJ
fbem-15359	4	14	asset	asset	NOUN
fbem-15359	4	15	preferences	preference	NOUN
fbem-15359	4	16	.	.	PUNCT
fbem-15359	5	1	crucially	crucially	ADV
fbem-15359	5	2	,	,	PUNCT
fbem-15359	5	3	the	the	DET
fbem-15359	5	4	educational	educational	ADJ
fbem-15359	5	5	level	level	NOUN
fbem-15359	5	6	of	of	ADP
fbem-15359	5	7	the	the	DET
fbem-15359	5	8	household	household	NOUN
fbem-15359	5	9	head	head	NOUN
fbem-15359	5	10	appears	appear	VERB
fbem-15359	5	11	to	to	PART
fbem-15359	5	12	enhance	enhance	VERB
fbem-15359	5	13	financial	financial	ADJ
fbem-15359	5	14	asset	asset	NOUN
fbem-15359	5	15	selection	selection	NOUN
fbem-15359	5	16	predominantly	predominantly	ADV
fbem-15359	5	17	by	by	ADP
fbem-15359	5	18	elevating	elevate	VERB
fbem-15359	5	19	family	family	NOUN
fbem-15359	5	20	income	income	NOUN
fbem-15359	5	21	.	.	PUNCT
fbem-15359	6	1	moreover	moreover	ADV
fbem-15359	6	2	,	,	PUNCT
fbem-15359	6	3	a	a	DET
fbem-15359	6	4	propensity	propensity	NOUN
fbem-15359	6	5	for	for	ADP
fbem-15359	6	6	risk	risk	NOUN
fbem-15359	6	7	-	-	PUNCT
fbem-15359	6	8	taking	taking	NOUN
fbem-15359	6	9	is	be	AUX
fbem-15359	6	10	found	find	VERB
fbem-15359	6	11	to	to	PART
fbem-15359	6	12	facilitate	facilitate	VERB
fbem-15359	6	13	more	more	ADV
fbem-15359	6	14	educated	educate	VERB
fbem-15359	6	15	households	household	NOUN
fbem-15359	6	16	in	in	ADP
fbem-15359	6	17	diversifying	diversify	VERB
fbem-15359	6	18	their	their	PRON
fbem-15359	6	19	financial	financial	ADJ
fbem-15359	6	20	assets	asset	NOUN
fbem-15359	6	21	.	.	PUNCT
fbem-15359	7	1	this	this	DET
fbem-15359	7	2	research	research	NOUN
fbem-15359	7	3	underscores	underscore	VERB
fbem-15359	7	4	the	the	DET
fbem-15359	7	5	pivotal	pivotal	ADJ
fbem-15359	7	6	role	role	NOUN
fbem-15359	7	7	of	of	ADP
fbem-15359	7	8	the	the	DET
fbem-15359	7	9	household	household	NOUN
fbem-15359	7	10	head	head	NOUN
fbem-15359	7	11	's	's	PART
fbem-15359	7	12	education	education	NOUN
fbem-15359	7	13	in	in	ADP
fbem-15359	7	14	shaping	shape	VERB
fbem-15359	7	15	family	family	NOUN
fbem-15359	7	16	financial	financial	ADJ
fbem-15359	7	17	choices	choice	NOUN
fbem-15359	7	18	,	,	PUNCT
fbem-15359	7	19	offering	offer	VERB
fbem-15359	7	20	insightful	insightful	ADJ
fbem-15359	7	21	implications	implication	NOUN
fbem-15359	7	22	for	for	ADP
fbem-15359	7	23	fostering	foster	VERB
fbem-15359	7	24	high	high	ADJ
fbem-15359	7	25	-	-	PUNCT
fbem-15359	7	26	quality	quality	NOUN
fbem-15359	7	27	development	development	NOUN
fbem-15359	7	28	in	in	ADP
fbem-15359	7	29	both	both	CCONJ
fbem-15359	7	30	the	the	DET
fbem-15359	7	31	educational	educational	ADJ
fbem-15359	7	32	and	and	CCONJ
fbem-15359	7	33	financial	financial	ADJ
fbem-15359	7	34	sectors	sector	NOUN
fbem-15359	7	35	.	.	PUNCT
fbem-15359	8	1	keywords	keyword	NOUN
fbem-15359	8	2	:	:	PUNCT
fbem-15359	8	3	household	household	NOUN
fbem-15359	8	4	head	head	NOUN
fbem-15359	8	5	's	's	PART
fbem-15359	8	6	educational	educational	ADJ
fbem-15359	8	7	attainment	attainment	NOUN
fbem-15359	8	8	,	,	PUNCT
fbem-15359	8	9	financial	financial	ADJ
fbem-15359	8	10	decision	decision	NOUN
fbem-15359	8	11	-	-	PUNCT
fbem-15359	8	12	making	making	NOUN
fbem-15359	8	13	,	,	PUNCT
fbem-15359	8	14	income	income	NOUN
fbem-15359	8	15	,	,	PUNCT
fbem-15359	8	16	risk	risk	NOUN
fbem-15359	8	17	attitude	attitude	NOUN
fbem-15359	8	18	.	.	PUNCT
fbem-15359	9	1	1	1	X
fbem-15359	9	2	.	.	X
fbem-15359	9	3	introduction	introduction	NOUN
fbem-15359	9	4	in	in	ADP
fbem-15359	9	5	the	the	DET
fbem-15359	9	6	context	context	NOUN
fbem-15359	9	7	of	of	ADP
fbem-15359	9	8	escalating	escalate	VERB
fbem-15359	9	9	supply	supply	NOUN
fbem-15359	9	10	-	-	PUNCT
fbem-15359	9	11	side	side	NOUN
fbem-15359	9	12	reforms	reform	NOUN
fbem-15359	9	13	,	,	PUNCT
fbem-15359	9	14	the	the	DET
fbem-15359	9	15	ascendancy	ascendancy	NOUN
fbem-15359	9	16	of	of	ADP
fbem-15359	9	17	innovation	innovation	NOUN
fbem-15359	9	18	in	in	ADP
fbem-15359	9	19	driving	drive	VERB
fbem-15359	9	20	development	development	NOUN
fbem-15359	9	21	,	,	PUNCT
fbem-15359	9	22	and	and	CCONJ
fbem-15359	9	23	a	a	DET
fbem-15359	9	24	burgeoning	burgeon	VERB
fbem-15359	9	25	job	job	NOUN
fbem-15359	9	26	market	market	NOUN
fbem-15359	9	27	,	,	PUNCT
fbem-15359	9	28	the	the	DET
fbem-15359	9	29	role	role	NOUN
fbem-15359	9	30	of	of	ADP
fbem-15359	9	31	education	education	NOUN
fbem-15359	9	32	has	have	AUX
fbem-15359	9	33	become	become	VERB
fbem-15359	9	34	increasingly	increasingly	ADV
fbem-15359	9	35	pivotal	pivotal	ADJ
fbem-15359	9	36	.	.	PUNCT
fbem-15359	10	1	with	with	ADP
fbem-15359	10	2	the	the	DET
fbem-15359	10	3	nationwide	nationwide	ADJ
fbem-15359	10	4	implementation	implementation	NOUN
fbem-15359	10	5	of	of	ADP
fbem-15359	10	6	comprehensive	comprehensive	ADJ
fbem-15359	10	7	education	education	NOUN
fbem-15359	10	8	in	in	ADP
fbem-15359	10	9	recent	recent	ADJ
fbem-15359	10	10	years	year	NOUN
fbem-15359	10	11	,	,	PUNCT
fbem-15359	10	12	there	there	PRON
fbem-15359	10	13	has	have	AUX
fbem-15359	10	14	been	be	AUX
fbem-15359	10	15	a	a	DET
fbem-15359	10	16	consistent	consistent	ADJ
fbem-15359	10	17	elevation	elevation	NOUN
fbem-15359	10	18	in	in	ADP
fbem-15359	10	19	educational	educational	ADJ
fbem-15359	10	20	attainment	attainment	NOUN
fbem-15359	10	21	across	across	ADP
fbem-15359	10	22	china	china	PROPN
fbem-15359	10	23	.	.	PUNCT
fbem-15359	11	1	this	this	DET
fbem-15359	11	2	progression	progression	NOUN
fbem-15359	11	3	has	have	AUX
fbem-15359	11	4	enriched	enrich	VERB
fbem-15359	11	5	the	the	DET
fbem-15359	11	6	populace	populace	NOUN
fbem-15359	11	7	's	's	PART
fbem-15359	11	8	financial	financial	ADJ
fbem-15359	11	9	literacy	literacy	NOUN
fbem-15359	11	10	,	,	PUNCT
fbem-15359	11	11	subsequently	subsequently	ADV
fbem-15359	11	12	intensifying	intensify	VERB
fbem-15359	11	13	their	their	PRON
fbem-15359	11	14	investment	investment	NOUN
fbem-15359	11	15	inclinations	inclination	NOUN
fbem-15359	11	16	.	.	PUNCT
fbem-15359	12	1	however	however	ADV
fbem-15359	12	2	,	,	PUNCT
fbem-15359	12	3	the	the	DET
fbem-15359	12	4	rigidity	rigidity	NOUN
fbem-15359	12	5	of	of	ADP
fbem-15359	12	6	china	china	PROPN
fbem-15359	12	7	's	's	PART
fbem-15359	12	8	financial	financial	ADJ
fbem-15359	12	9	market	market	NOUN
fbem-15359	12	10	innovation	innovation	NOUN
fbem-15359	12	11	mechanisms	mechanism	NOUN
fbem-15359	12	12	,	,	PUNCT
fbem-15359	12	13	coupled	couple	VERB
fbem-15359	12	14	with	with	ADP
fbem-15359	12	15	prohibitively	prohibitively	ADV
fbem-15359	12	16	high	high	ADJ
fbem-15359	12	17	entry	entry	NOUN
fbem-15359	12	18	thresholds	threshold	NOUN
fbem-15359	12	19	,	,	PUNCT
fbem-15359	12	20	has	have	AUX
fbem-15359	12	21	hindered	hinder	VERB
fbem-15359	12	22	the	the	DET
fbem-15359	12	23	effective	effective	ADJ
fbem-15359	12	24	integration	integration	NOUN
fbem-15359	12	25	of	of	ADP
fbem-15359	12	26	certain	certain	ADJ
fbem-15359	12	27	financial	financial	ADJ
fbem-15359	12	28	products	product	NOUN
fbem-15359	12	29	with	with	ADP
fbem-15359	12	30	the	the	DET
fbem-15359	12	31	consumers	consumer	NOUN
fbem-15359	12	32	'	'	PART
fbem-15359	12	33	cognitive	cognitive	ADJ
fbem-15359	12	34	competencies	competency	NOUN
fbem-15359	12	35	and	and	CCONJ
fbem-15359	12	36	consumption	consumption	NOUN
fbem-15359	12	37	patterns	pattern	NOUN
fbem-15359	12	38	.	.	PUNCT
fbem-15359	13	1	this	this	DET
fbem-15359	13	2	disconnect	disconnect	PROPN
fbem-15359	13	3	has	have	AUX
fbem-15359	13	4	resulted	result	VERB
fbem-15359	13	5	in	in	ADP
fbem-15359	13	6	diminished	diminish	VERB
fbem-15359	13	7	household	household	NOUN
fbem-15359	13	8	participation	participation	NOUN
fbem-15359	13	9	in	in	ADP
fbem-15359	13	10	financial	financial	ADJ
fbem-15359	13	11	markets	market	NOUN
fbem-15359	13	12	.	.	PUNCT
fbem-15359	14	1	therefore	therefore	ADV
fbem-15359	14	2	,	,	PUNCT
fbem-15359	14	3	the	the	DET
fbem-15359	14	4	construction	construction	NOUN
fbem-15359	14	5	of	of	ADP
fbem-15359	14	6	a	a	DET
fbem-15359	14	7	robust	robust	ADJ
fbem-15359	14	8	financial	financial	ADJ
fbem-15359	14	9	market	market	NOUN
fbem-15359	14	10	framework	framework	NOUN
fbem-15359	14	11	and	and	CCONJ
fbem-15359	14	12	the	the	DET
fbem-15359	14	13	enhancement	enhancement	NOUN
fbem-15359	14	14	of	of	ADP
fbem-15359	14	15	household	household	NOUN
fbem-15359	14	16	financial	financial	ADJ
fbem-15359	14	17	involvement	involvement	NOUN
fbem-15359	14	18	bear	bear	VERB
fbem-15359	14	19	significant	significant	ADJ
fbem-15359	14	20	and	and	CCONJ
fbem-15359	14	21	pressing	press	VERB
fbem-15359	14	22	relevance	relevance	NOUN
fbem-15359	14	23	.	.	PUNCT
fbem-15359	15	1	while	while	SCONJ
fbem-15359	15	2	existing	exist	VERB
fbem-15359	15	3	scholarship	scholarship	NOUN
fbem-15359	15	4	underscores	underscore	VERB
fbem-15359	15	5	the	the	DET
fbem-15359	15	6	influence	influence	NOUN
fbem-15359	15	7	of	of	ADP
fbem-15359	15	8	variables	variable	NOUN
fbem-15359	15	9	such	such	ADJ
fbem-15359	15	10	as	as	ADP
fbem-15359	15	11	income	income	NOUN
fbem-15359	15	12	,	,	PUNCT
fbem-15359	15	13	gender	gender	NOUN
fbem-15359	15	14	,	,	PUNCT
fbem-15359	15	15	marital	marital	ADJ
fbem-15359	15	16	status	status	NOUN
fbem-15359	15	17	,	,	PUNCT
fbem-15359	15	18	and	and	CCONJ
fbem-15359	15	19	health	health	NOUN
fbem-15359	15	20	on	on	ADP
fbem-15359	15	21	financial	financial	ADJ
fbem-15359	15	22	asset	asset	NOUN
fbem-15359	15	23	allocation	allocation	NOUN
fbem-15359	15	24	[	[	X
fbem-15359	15	25	1][2][3	1][2][3	NUM
fbem-15359	15	26	]	]	PUNCT
fbem-15359	15	27	,	,	PUNCT
fbem-15359	15	28	the	the	DET
fbem-15359	15	29	potential	potential	ADJ
fbem-15359	15	30	impact	impact	NOUN
fbem-15359	15	31	of	of	ADP
fbem-15359	15	32	the	the	DET
fbem-15359	15	33	escalating	escalate	VERB
fbem-15359	15	34	educational	educational	ADJ
fbem-15359	15	35	attainment	attainment	NOUN
fbem-15359	15	36	of	of	ADP
fbem-15359	15	37	citizens	citizen	NOUN
fbem-15359	15	38	,	,	PUNCT
fbem-15359	15	39	in	in	ADP
fbem-15359	15	40	the	the	DET
fbem-15359	15	41	milieu	milieu	NOUN
fbem-15359	15	42	of	of	ADP
fbem-15359	15	43	ongoing	ongoing	ADJ
fbem-15359	15	44	educational	educational	ADJ
fbem-15359	15	45	reforms	reform	NOUN
fbem-15359	15	46	,	,	PUNCT
fbem-15359	15	47	has	have	AUX
fbem-15359	15	48	not	not	PART
fbem-15359	15	49	yet	yet	ADV
fbem-15359	15	50	been	be	AUX
fbem-15359	15	51	accorded	accord	VERB
fbem-15359	15	52	sufficient	sufficient	ADJ
fbem-15359	15	53	scholarly	scholarly	ADJ
fbem-15359	15	54	attention	attention	NOUN
fbem-15359	15	55	.	.	PUNCT
fbem-15359	16	1	theoretically	theoretically	ADV
fbem-15359	16	2	,	,	PUNCT
fbem-15359	16	3	enhanced	enhanced	ADJ
fbem-15359	16	4	education	education	NOUN
fbem-15359	16	5	can	can	AUX
fbem-15359	16	6	increase	increase	VERB
fbem-15359	16	7	household	household	NOUN
fbem-15359	16	8	labor	labor	NOUN
fbem-15359	16	9	income	income	NOUN
fbem-15359	16	10	,	,	PUNCT
fbem-15359	16	11	creating	create	VERB
fbem-15359	16	12	greater	great	ADJ
fbem-15359	16	13	wealth	wealth	NOUN
fbem-15359	16	14	that	that	PRON
fbem-15359	16	15	allows	allow	VERB
fbem-15359	16	16	families	family	NOUN
fbem-15359	16	17	to	to	PART
fbem-15359	16	18	allocate	allocate	VERB
fbem-15359	16	19	more	more	ADJ
fbem-15359	16	20	funds	fund	NOUN
fbem-15359	16	21	for	for	ADP
fbem-15359	16	22	investment	investment	NOUN
fbem-15359	16	23	.	.	PUNCT
fbem-15359	17	1	furthermore	furthermore	ADV
fbem-15359	17	2	,	,	PUNCT
fbem-15359	17	3	a	a	DET
fbem-15359	17	4	higher	high	ADJ
fbem-15359	17	5	level	level	NOUN
fbem-15359	17	6	of	of	ADP
fbem-15359	17	7	education	education	NOUN
fbem-15359	17	8	deepens	deepen	VERB
fbem-15359	17	9	the	the	DET
fbem-15359	17	10	understanding	understanding	NOUN
fbem-15359	17	11	of	of	ADP
fbem-15359	17	12	financial	financial	ADJ
fbem-15359	17	13	knowledge	knowledge	NOUN
fbem-15359	17	14	and	and	CCONJ
fbem-15359	17	15	encourages	encourage	VERB
fbem-15359	17	16	families	family	NOUN
fbem-15359	17	17	to	to	PART
fbem-15359	17	18	increase	increase	VERB
fbem-15359	17	19	their	their	PRON
fbem-15359	17	20	total	total	ADJ
fbem-15359	17	21	income	income	NOUN
fbem-15359	17	22	and	and	CCONJ
fbem-15359	17	23	assets	asset	NOUN
fbem-15359	17	24	by	by	ADP
fbem-15359	17	25	purchasing	purchase	VERB
fbem-15359	17	26	riskier	risky	ADJ
fbem-15359	17	27	financial	financial	ADJ
fbem-15359	17	28	products[4][5][6][7	products[4][5][6][7	NOUN
fbem-15359	17	29	]	]	PUNCT
fbem-15359	17	30	.	.	PUNCT
fbem-15359	18	1	in	in	ADP
fbem-15359	18	2	practice	practice	NOUN
fbem-15359	18	3	,	,	PUNCT
fbem-15359	18	4	the	the	DET
fbem-15359	18	5	proportion	proportion	NOUN
fbem-15359	18	6	of	of	ADP
fbem-15359	18	7	participants	participant	NOUN
fbem-15359	18	8	in	in	ADP
fbem-15359	18	9	financial	financial	ADJ
fbem-15359	18	10	markets	market	NOUN
fbem-15359	18	11	has	have	AUX
fbem-15359	18	12	been	be	AUX
fbem-15359	18	13	steadily	steadily	ADV
fbem-15359	18	14	rising	rise	VERB
fbem-15359	18	15	in	in	ADP
fbem-15359	18	16	recent	recent	ADJ
fbem-15359	18	17	years	year	NOUN
fbem-15359	18	18	,	,	PUNCT
fbem-15359	18	19	with	with	ADP
fbem-15359	18	20	over	over	ADP
fbem-15359	18	21	sixty	sixty	NUM
fbem-15359	18	22	percent	percent	NOUN
fbem-15359	18	23	of	of	ADP
fbem-15359	18	24	families	family	NOUN
fbem-15359	18	25	opting	opt	VERB
fbem-15359	18	26	to	to	PART
fbem-15359	18	27	invest	invest	VERB
fbem-15359	18	28	in	in	ADP
fbem-15359	18	29	financial	financial	ADJ
fbem-15359	18	30	assets	asset	NOUN
fbem-15359	18	31	.	.	PUNCT
fbem-15359	19	1	considering	consider	VERB
fbem-15359	19	2	the	the	DET
fbem-15359	19	3	disparities	disparity	NOUN
fbem-15359	19	4	between	between	ADP
fbem-15359	19	5	urban	urban	ADJ
fbem-15359	19	6	and	and	CCONJ
fbem-15359	19	7	rural	rural	ADJ
fbem-15359	19	8	areas	area	NOUN
fbem-15359	19	9	and	and	CCONJ
fbem-15359	19	10	regional	regional	ADJ
fbem-15359	19	11	differences	difference	NOUN
fbem-15359	19	12	,	,	PUNCT
fbem-15359	19	13	the	the	DET
fbem-15359	19	14	selection	selection	NOUN
fbem-15359	19	15	of	of	ADP
fbem-15359	19	16	financial	financial	ADJ
fbem-15359	19	17	products	product	NOUN
fbem-15359	19	18	may	may	AUX
fbem-15359	19	19	exhibit	exhibit	VERB
fbem-15359	19	20	an	an	DET
fbem-15359	19	21	imbalance	imbalance	NOUN
fbem-15359	19	22	.	.	PUNCT
fbem-15359	20	1	in	in	ADP
fbem-15359	20	2	response	response	NOUN
fbem-15359	20	3	,	,	PUNCT
fbem-15359	20	4	the	the	DET
fbem-15359	20	5	national	national	ADJ
fbem-15359	20	6	implementation	implementation	NOUN
fbem-15359	20	7	and	and	CCONJ
fbem-15359	20	8	expansion	expansion	NOUN
fbem-15359	20	9	of	of	ADP
fbem-15359	20	10	inclusive	inclusive	ADJ
fbem-15359	20	11	finance	finance	NOUN
fbem-15359	20	12	policies	policy	NOUN
fbem-15359	20	13	,	,	PUNCT
fbem-15359	20	14	along	along	ADP
fbem-15359	20	15	with	with	ADP
fbem-15359	20	16	the	the	DET
fbem-15359	20	17	improvement	improvement	NOUN
fbem-15359	20	18	of	of	ADP
fbem-15359	20	19	financial	financial	ADJ
fbem-15359	20	20	market	market	NOUN
fbem-15359	20	21	order	order	NOUN
fbem-15359	20	22	,	,	PUNCT
fbem-15359	20	23	have	have	AUX
fbem-15359	20	24	provided	provide	VERB
fbem-15359	20	25	additional	additional	ADJ
fbem-15359	20	26	social	social	ADJ
fbem-15359	20	27	security	security	NOUN
fbem-15359	20	28	for	for	ADP
fbem-15359	20	29	families	family	NOUN
fbem-15359	20	30	engaging	engage	VERB
fbem-15359	20	31	in	in	ADP
fbem-15359	20	32	financial	financial	ADJ
fbem-15359	20	33	asset	asset	NOUN
fbem-15359	20	34	investments	investment	NOUN
fbem-15359	20	35	.	.	PUNCT
fbem-15359	21	1	the	the	DET
fbem-15359	21	2	extant	extant	ADJ
fbem-15359	21	3	literature	literature	NOUN
fbem-15359	21	4	has	have	AUX
fbem-15359	21	5	extensively	extensively	ADV
fbem-15359	21	6	addressed	address	VERB
fbem-15359	21	7	the	the	DET
fbem-15359	21	8	influence	influence	NOUN
fbem-15359	21	9	of	of	ADP
fbem-15359	21	10	financial	financial	ADJ
fbem-15359	21	11	literacy	literacy	NOUN
fbem-15359	21	12	on	on	ADP
fbem-15359	21	13	household	household	NOUN
fbem-15359	21	14	choices	choice	NOUN
fbem-15359	21	15	in	in	ADP
fbem-15359	21	16	financial	financial	ADJ
fbem-15359	21	17	asset	asset	NOUN
fbem-15359	21	18	allocation	allocation	NOUN
fbem-15359	21	19	.	.	PUNCT
fbem-15359	22	1	campbell	campbell	PROPN
fbem-15359	22	2	(	(	PUNCT
fbem-15359	22	3	2006	2006	NUM
fbem-15359	22	4	)	)	PUNCT
fbem-15359	22	5	observed	observe	VERB
fbem-15359	22	6	that	that	SCONJ
fbem-15359	22	7	families	family	NOUN
fbem-15359	22	8	with	with	ADP
fbem-15359	22	9	higher	high	ADJ
fbem-15359	22	10	levels	level	NOUN
fbem-15359	22	11	of	of	ADP
fbem-15359	22	12	financial	financial	ADJ
fbem-15359	22	13	literacy	literacy	NOUN
fbem-15359	22	14	are	be	AUX
fbem-15359	22	15	more	more	ADV
fbem-15359	22	16	inclined	inclined	ADJ
fbem-15359	22	17	to	to	PART
fbem-15359	22	18	arrange	arrange	VERB
fbem-15359	22	19	for	for	ADP
fbem-15359	22	20	precautionary	precautionary	ADJ
fbem-15359	22	21	savings	saving	NOUN
fbem-15359	22	22	and	and	CCONJ
fbem-15359	22	23	leverage	leverage	VERB
fbem-15359	22	24	their	their	PRON
fbem-15359	22	25	social	social	ADJ
fbem-15359	22	26	networks	network	NOUN
fbem-15359	22	27	and	and	CCONJ
fbem-15359	22	28	financial	financial	ADJ
fbem-15359	22	29	endowments	endowment	NOUN
fbem-15359	22	30	in	in	ADP
fbem-15359	22	31	formulating	formulate	VERB
fbem-15359	22	32	optimal	optimal	ADJ
fbem-15359	22	33	financial	financial	ADJ
fbem-15359	22	34	asset	asset	NOUN
fbem-15359	22	35	strategies[8	strategies[8	PROPN
fbem-15359	22	36	]	]	PUNCT
fbem-15359	22	37	.	.	PUNCT
fbem-15359	23	1	ge	ge	PROPN
fbem-15359	23	2	(	(	PUNCT
fbem-15359	23	3	2013	2013	NUM
fbem-15359	23	4	)	)	PUNCT
fbem-15359	23	5	highlighted	highlight	VERB
fbem-15359	23	6	that	that	SCONJ
fbem-15359	23	7	increased	increase	VERB
fbem-15359	23	8	financial	financial	ADJ
fbem-15359	23	9	knowledge	knowledge	NOUN
fbem-15359	23	10	and	and	CCONJ
fbem-15359	23	11	investment	investment	NOUN
fbem-15359	23	12	experience	experience	NOUN
fbem-15359	23	13	enhance	enhance	VERB
fbem-15359	23	14	the	the	DET
fbem-15359	23	15	likelihood	likelihood	NOUN
fbem-15359	23	16	of	of	ADP
fbem-15359	23	17	households	household	NOUN
fbem-15359	23	18	engaging	engage	VERB
fbem-15359	23	19	in	in	ADP
fbem-15359	23	20	financial	financial	ADJ
fbem-15359	23	21	markets	market	NOUN
fbem-15359	23	22	,	,	PUNCT
fbem-15359	23	23	as	as	ADV
fbem-15359	23	24	well	well	ADV
fbem-15359	23	25	as	as	ADP
fbem-15359	23	26	the	the	DET
fbem-15359	23	27	proportion	proportion	NOUN
fbem-15359	23	28	of	of	ADP
fbem-15359	23	29	risk	risk	NOUN
fbem-15359	23	30	assets	asset	NOUN
fbem-15359	23	31	in	in	ADP
fbem-15359	23	32	their	their	PRON
fbem-15359	23	33	portfolios[9	portfolios[9	NOUN
fbem-15359	23	34	]	]	X
fbem-15359	23	35	.	.	PUNCT
fbem-15359	24	1	hu	hu	PROPN
fbem-15359	24	2	and	and	CCONJ
fbem-15359	24	3	zang	zang	PROPN
fbem-15359	24	4	(	(	PUNCT
fbem-15359	24	5	2017	2017	NUM
fbem-15359	24	6	)	)	PUNCT
fbem-15359	24	7	contended	contend	VERB
fbem-15359	24	8	that	that	SCONJ
fbem-15359	24	9	financial	financial	ADJ
fbem-15359	24	10	literacy	literacy	NOUN
fbem-15359	24	11	,	,	PUNCT
fbem-15359	24	12	as	as	ADP
fbem-15359	24	13	an	an	DET
fbem-15359	24	14	integral	integral	ADJ
fbem-15359	24	15	form	form	NOUN
fbem-15359	24	16	of	of	ADP
fbem-15359	24	17	human	human	ADJ
fbem-15359	24	18	capital	capital	NOUN
fbem-15359	24	19	,	,	PUNCT
fbem-15359	24	20	entails	entail	VERB
fbem-15359	24	21	the	the	DET
fbem-15359	24	22	capacity	capacity	NOUN
fbem-15359	24	23	to	to	PART
fbem-15359	24	24	apply	apply	VERB
fbem-15359	24	25	financial	financial	ADJ
fbem-15359	24	26	resources	resource	NOUN
fbem-15359	24	27	and	and	CCONJ
fbem-15359	24	28	knowledge	knowledge	NOUN
fbem-15359	24	29	,	,	PUNCT
fbem-15359	24	30	profoundly	profoundly	ADV
fbem-15359	24	31	constraining	constrain	VERB
fbem-15359	24	32	rational	rational	ADJ
fbem-15359	24	33	financial	financial	ADJ
fbem-15359	24	34	decisions	decision	NOUN
fbem-15359	24	35	and	and	CCONJ
fbem-15359	24	36	significantly	significantly	ADV
fbem-15359	24	37	impacting	impact	VERB
fbem-15359	24	38	household	household	NOUN
fbem-15359	24	39	financial	financial	ADJ
fbem-15359	24	40	behaviors[10	behaviors[10	NOUN
fbem-15359	24	41	]	]	PUNCT
fbem-15359	24	42	.	.	PUNCT
fbem-15359	25	1	however	however	ADV
fbem-15359	25	2	,	,	PUNCT
fbem-15359	25	3	these	these	DET
fbem-15359	25	4	studies	study	NOUN
fbem-15359	25	5	predominantly	predominantly	ADV
fbem-15359	25	6	analyze	analyze	VERB
fbem-15359	25	7	the	the	DET
fbem-15359	25	8	impact	impact	NOUN
fbem-15359	25	9	of	of	ADP
fbem-15359	25	10	financial	financial	ADJ
fbem-15359	25	11	literacy	literacy	NOUN
fbem-15359	25	12	on	on	ADP
fbem-15359	25	13	household	household	NOUN
fbem-15359	25	14	financial	financial	ADJ
fbem-15359	25	15	asset	asset	NOUN
fbem-15359	25	16	choices	choice	NOUN
fbem-15359	25	17	,	,	PUNCT
fbem-15359	25	18	not	not	PART
fbem-15359	25	19	delving	delve	VERB
fbem-15359	25	20	into	into	ADP
fbem-15359	25	21	the	the	DET
fbem-15359	25	22	specific	specific	ADJ
fbem-15359	25	23	effects	effect	NOUN
fbem-15359	25	24	of	of	ADP
fbem-15359	25	25	the	the	DET
fbem-15359	25	26	household	household	NOUN
fbem-15359	25	27	head	head	NOUN
fbem-15359	25	28	's	's	PART
fbem-15359	25	29	educational	educational	ADJ
fbem-15359	25	30	level	level	NOUN
fbem-15359	25	31	on	on	ADP
fbem-15359	25	32	asset	asset	NOUN
fbem-15359	25	33	selection	selection	NOUN
fbem-15359	25	34	.	.	PUNCT
fbem-15359	26	1	more	more	ADV
fbem-15359	26	2	directly	directly	ADV
fbem-15359	26	3	pertinent	pertinent	ADJ
fbem-15359	26	4	to	to	ADP
fbem-15359	26	5	this	this	DET
fbem-15359	26	6	study	study	NOUN
fbem-15359	26	7	is	be	AUX
fbem-15359	26	8	the	the	DET
fbem-15359	26	9	literature	literature	NOUN
fbem-15359	26	10	exploring	explore	VERB
fbem-15359	26	11	the	the	DET
fbem-15359	26	12	nexus	nexus	NOUN
fbem-15359	26	13	between	between	ADP
fbem-15359	26	14	educational	educational	ADJ
fbem-15359	26	15	attainment	attainment	ADJ
fbem-15359	26	16	and	and	CCONJ
fbem-15359	26	17	asset	asset	NOUN
fbem-15359	26	18	allocation	allocation	NOUN
fbem-15359	26	19	.	.	PUNCT
fbem-15359	27	1	lei	lei	PROPN
fbem-15359	27	2	et	et	PROPN
fbem-15359	27	3	al	al	PROPN
fbem-15359	27	4	.	.	PUNCT
fbem-15359	28	1	(	(	PUNCT
fbem-15359	28	2	2010)found	2010)found	NOUN
fbem-15359	28	3	that	that	SCONJ
fbem-15359	28	4	individuals	individual	NOUN
fbem-15359	28	5	with	with	ADP
fbem-15359	28	6	higher	high	ADJ
fbem-15359	28	7	educational	educational	ADJ
fbem-15359	28	8	levels	level	NOUN
fbem-15359	28	9	are	be	AUX
fbem-15359	28	10	more	more	ADV
fbem-15359	28	11	predisposed	predisposed	ADJ
fbem-15359	28	12	to	to	ADP
fbem-15359	28	13	investing	invest	VERB
fbem-15359	28	14	in	in	ADP
fbem-15359	28	15	highrisk	highrisk	NOUN
fbem-15359	28	16	assets	asset	NOUN
fbem-15359	28	17	compared	compare	VERB
fbem-15359	28	18	to	to	ADP
fbem-15359	28	19	their	their	PRON
fbem-15359	28	20	less	less	ADV
fbem-15359	28	21	-	-	PUNCT
fbem-15359	28	22	educated	educate	VERB
fbem-15359	28	23	counterparts[11	counterparts[11	NOUN
fbem-15359	28	24	]	]	PUNCT
fbem-15359	28	25	.	.	PUNCT
fbem-15359	29	1	yin	yin	PROPN
fbem-15359	29	2	et	et	PROPN
fbem-15359	29	3	al	al	PROPN
fbem-15359	29	4	.	.	PROPN
fbem-15359	30	1	(	(	PUNCT
fbem-15359	30	2	2014	2014	NUM
fbem-15359	30	3	)	)	PUNCT
fbem-15359	30	4	discovered	discover	VERB
fbem-15359	30	5	that	that	SCONJ
fbem-15359	30	6	those	those	PRON
fbem-15359	30	7	extensively	extensively	ADV
fbem-15359	30	8	engaged	engage	VERB
fbem-15359	30	9	in	in	ADP
fbem-15359	30	10	the	the	DET
fbem-15359	30	11	stock	stock	NOUN
fbem-15359	30	12	market	market	NOUN
fbem-15359	30	13	,	,	PUNCT
fbem-15359	30	14	with	with	ADP
fbem-15359	30	15	stocks	stock	NOUN
fbem-15359	30	16	constituting	constitute	VERB
fbem-15359	30	17	over	over	ADP
fbem-15359	30	18	half	half	NOUN
fbem-15359	30	19	of	of	ADP
fbem-15359	30	20	their	their	PRON
fbem-15359	30	21	family	family	NOUN
fbem-15359	30	22	's	's	PART
fbem-15359	30	23	financial	financial	ADJ
fbem-15359	30	24	assets	asset	NOUN
fbem-15359	30	25	,	,	PUNCT
fbem-15359	30	26	are	be	AUX
fbem-15359	30	27	predominantly	predominantly	ADV
fbem-15359	30	28	highly	highly	ADV
fbem-15359	30	29	educated[12	educated[12	NOUN
fbem-15359	30	30	]	]	X
fbem-15359	30	31	.	.	PUNCT
fbem-15359	31	1	cooper	cooper	PROPN
fbem-15359	31	2	and	and	CCONJ
fbem-15359	31	3	zhu	zhu	PROPN
fbem-15359	31	4	(	(	PUNCT
fbem-15359	31	5	2016	2016	NUM
fbem-15359	31	6	)	)	PUNCT
fbem-15359	31	7	employed	employ	VERB
fbem-15359	31	8	a	a	DET
fbem-15359	31	9	life	life	NOUN
fbem-15359	31	10	-	-	PUNCT
fbem-15359	31	11	cycle	cycle	NOUN
fbem-15359	31	12	model	model	NOUN
fbem-15359	31	13	to	to	PART
fbem-15359	31	14	investigate	investigate	VERB
fbem-15359	31	15	the	the	DET
fbem-15359	31	16	relationship	relationship	NOUN
fbem-15359	31	17	between	between	ADP
fbem-15359	31	18	educational	educational	ADJ
fbem-15359	31	19	attainment	attainment	ADJ
fbem-15359	31	20	and	and	CCONJ
fbem-15359	31	21	financial	financial	ADJ
fbem-15359	31	22	assets	asset	NOUN
fbem-15359	31	23	,	,	PUNCT
fbem-15359	31	24	including	include	VERB
fbem-15359	31	25	stock	stock	NOUN
fbem-15359	31	26	participation[13	participation[13	NOUN
fbem-15359	31	27	]	]	PUNCT
fbem-15359	31	28	.	.	PUNCT
fbem-15359	32	1	their	their	PRON
fbem-15359	32	2	findings	finding	NOUN
fbem-15359	32	3	suggest	suggest	VERB
fbem-15359	32	4	that	that	SCONJ
fbem-15359	32	5	higher	high	ADJ
fbem-15359	32	6	educational	educational	ADJ
fbem-15359	32	7	levels	level	NOUN
fbem-15359	32	8	correlate	correlate	VERB
fbem-15359	32	9	with	with	ADP
fbem-15359	32	10	increased	increase	VERB
fbem-15359	32	11	entry	entry	NOUN
fbem-15359	32	12	into	into	ADP
fbem-15359	32	13	financial	financial	ADJ
fbem-15359	32	14	asset	asset	NOUN
fbem-15359	32	15	markets	market	NOUN
fbem-15359	32	16	,	,	PUNCT
fbem-15359	32	17	with	with	ADP
fbem-15359	32	18	wealth	wealth	NOUN
fbem-15359	32	19	generated	generate	VERB
fbem-15359	32	20	from	from	ADP
fbem-15359	32	21	stocks	stock	NOUN
fbem-15359	32	22	surpassing	surpass	VERB
fbem-15359	32	23	that	that	SCONJ
fbem-15359	32	24	from	from	ADP
fbem-15359	32	25	other	other	ADJ
fbem-15359	32	26	financial	financial	ADJ
fbem-15359	32	27	products	product	NOUN
fbem-15359	32	28	.	.	PUNCT
fbem-15359	33	1	nonetheless	nonetheless	ADV
fbem-15359	33	2	,	,	PUNCT
fbem-15359	33	3	these	these	DET
fbem-15359	33	4	studies	study	NOUN
fbem-15359	33	5	do	do	AUX
fbem-15359	33	6	not	not	PART
fbem-15359	33	7	principally	principally	ADV
fbem-15359	33	8	consider	consider	VERB
fbem-15359	33	9	educational	educational	ADJ
fbem-15359	33	10	level	level	NOUN
fbem-15359	33	11	as	as	ADP
fbem-15359	33	12	a	a	DET
fbem-15359	33	13	variable	variable	NOUN
fbem-15359	33	14	to	to	PART
fbem-15359	33	15	examine	examine	VERB
fbem-15359	33	16	its	its	PRON
fbem-15359	33	17	effect	effect	NOUN
fbem-15359	33	18	on	on	ADP
fbem-15359	33	19	family	family	NOUN
fbem-15359	33	20	financial	financial	ADJ
fbem-15359	33	21	asset	asset	NOUN
fbem-15359	33	22	choices	choice	NOUN
fbem-15359	33	23	.	.	PUNCT
fbem-15359	34	1	moreover	moreover	ADV
fbem-15359	34	2	,	,	PUNCT
fbem-15359	34	3	they	they	PRON
fbem-15359	34	4	do	do	AUX
fbem-15359	34	5	not	not	PART
fbem-15359	34	6	elucidate	elucidate	VERB
fbem-15359	34	7	the	the	DET
fbem-15359	34	8	influence	influence	NOUN
fbem-15359	34	9	of	of	ADP
fbem-15359	34	10	educational	educational	ADJ
fbem-15359	34	11	levels	level	NOUN
fbem-15359	34	12	on	on	ADP
fbem-15359	34	13	6	6	NUM
fbem-15359	34	14	family	family	NOUN
fbem-15359	34	15	financial	financial	ADJ
fbem-15359	34	16	asset	asset	NOUN
fbem-15359	34	17	choices	choice	NOUN
fbem-15359	34	18	from	from	ADP
fbem-15359	34	19	an	an	DET
fbem-15359	34	20	income	income	NOUN
fbem-15359	34	21	perspective	perspective	NOUN
fbem-15359	34	22	,	,	PUNCT
fbem-15359	34	23	where	where	SCONJ
fbem-15359	34	24	income	income	NOUN
fbem-15359	34	25	enhancement	enhancement	NOUN
fbem-15359	34	26	is	be	AUX
fbem-15359	34	27	a	a	DET
fbem-15359	34	28	key	key	ADJ
fbem-15359	34	29	factor	factor	NOUN
fbem-15359	34	30	.	.	PUNCT
fbem-15359	35	1	regarding	regard	VERB
fbem-15359	35	2	research	research	NOUN
fbem-15359	35	3	content	content	NOUN
fbem-15359	35	4	,	,	PUNCT
fbem-15359	35	5	these	these	DET
fbem-15359	35	6	studies	study	NOUN
fbem-15359	35	7	do	do	AUX
fbem-15359	35	8	not	not	PART
fbem-15359	35	9	delve	delve	VERB
fbem-15359	35	10	into	into	ADP
fbem-15359	35	11	the	the	DET
fbem-15359	35	12	potential	potential	ADJ
fbem-15359	35	13	impact	impact	NOUN
fbem-15359	35	14	of	of	ADP
fbem-15359	35	15	risk	risk	NOUN
fbem-15359	35	16	attitudes	attitude	NOUN
fbem-15359	35	17	in	in	ADP
fbem-15359	35	18	the	the	DET
fbem-15359	35	19	process	process	NOUN
fbem-15359	35	20	whereby	whereby	SCONJ
fbem-15359	35	21	educational	educational	ADJ
fbem-15359	35	22	level	level	NOUN
fbem-15359	35	23	facilitates	facilitate	VERB
fbem-15359	35	24	financial	financial	ADJ
fbem-15359	35	25	asset	asset	NOUN
fbem-15359	35	26	selection	selection	NOUN
fbem-15359	35	27	.	.	PUNCT
fbem-15359	36	1	this	this	DET
fbem-15359	36	2	paper	paper	NOUN
fbem-15359	36	3	starts	start	VERB
fbem-15359	36	4	with	with	ADP
fbem-15359	36	5	the	the	DET
fbem-15359	36	6	reality	reality	NOUN
fbem-15359	36	7	that	that	SCONJ
fbem-15359	36	8	chinese	chinese	ADJ
fbem-15359	36	9	families	family	NOUN
fbem-15359	36	10	urgently	urgently	ADV
fbem-15359	36	11	need	need	VERB
fbem-15359	36	12	a	a	DET
fbem-15359	36	13	diverse	diverse	ADJ
fbem-15359	36	14	selection	selection	NOUN
fbem-15359	36	15	of	of	ADP
fbem-15359	36	16	financial	financial	ADJ
fbem-15359	36	17	assets	asset	NOUN
fbem-15359	36	18	and	and	CCONJ
fbem-15359	36	19	,	,	PUNCT
fbem-15359	36	20	in	in	ADP
fbem-15359	36	21	conjunction	conjunction	NOUN
fbem-15359	36	22	with	with	ADP
fbem-15359	36	23	the	the	DET
fbem-15359	36	24	ongoing	ongoing	ADJ
fbem-15359	36	25	education	education	NOUN
fbem-15359	36	26	system	system	NOUN
fbem-15359	36	27	reforms	reform	NOUN
fbem-15359	36	28	,	,	PUNCT
fbem-15359	36	29	focuses	focus	VERB
fbem-15359	36	30	on	on	ADP
fbem-15359	36	31	the	the	DET
fbem-15359	36	32	impact	impact	NOUN
fbem-15359	36	33	of	of	ADP
fbem-15359	36	34	the	the	DET
fbem-15359	36	35	educational	educational	ADJ
fbem-15359	36	36	level	level	NOUN
fbem-15359	36	37	of	of	ADP
fbem-15359	36	38	the	the	DET
fbem-15359	36	39	family	family	NOUN
fbem-15359	36	40	household	household	NOUN
fbem-15359	36	41	head	head	NOUN
fbem-15359	36	42	on	on	ADP
fbem-15359	36	43	family	family	NOUN
fbem-15359	36	44	financial	financial	ADJ
fbem-15359	36	45	choices	choice	NOUN
fbem-15359	36	46	.	.	PUNCT
fbem-15359	37	1	compared	compare	VERB
fbem-15359	37	2	to	to	ADP
fbem-15359	37	3	existing	exist	VERB
fbem-15359	37	4	literature	literature	NOUN
fbem-15359	37	5	,	,	PUNCT
fbem-15359	37	6	this	this	DET
fbem-15359	37	7	paper	paper	NOUN
fbem-15359	37	8	's	's	PART
fbem-15359	37	9	potential	potential	ADJ
fbem-15359	37	10	contributions	contribution	NOUN
fbem-15359	37	11	are	be	AUX
fbem-15359	37	12	manifested	manifest	VERB
fbem-15359	37	13	in	in	ADP
fbem-15359	37	14	several	several	ADJ
fbem-15359	37	15	aspects	aspect	NOUN
fbem-15359	37	16	.	.	PUNCT
fbem-15359	38	1	firstly	firstly	ADV
fbem-15359	38	2	,	,	PUNCT
fbem-15359	38	3	it	it	PRON
fbem-15359	38	4	systematically	systematically	ADV
fbem-15359	38	5	analyzes	analyze	VERB
fbem-15359	38	6	the	the	DET
fbem-15359	38	7	impact	impact	NOUN
fbem-15359	38	8	of	of	ADP
fbem-15359	38	9	the	the	DET
fbem-15359	38	10	household	household	NOUN
fbem-15359	38	11	head	head	NOUN
fbem-15359	38	12	's	's	PART
fbem-15359	38	13	educational	educational	ADJ
fbem-15359	38	14	level	level	NOUN
fbem-15359	38	15	on	on	ADP
fbem-15359	38	16	family	family	NOUN
fbem-15359	38	17	financial	financial	ADJ
fbem-15359	38	18	asset	asset	NOUN
fbem-15359	38	19	choices	choice	NOUN
fbem-15359	38	20	and	and	CCONJ
fbem-15359	38	21	explores	explore	VERB
fbem-15359	38	22	the	the	DET
fbem-15359	38	23	mechanism	mechanism	NOUN
fbem-15359	38	24	of	of	ADP
fbem-15359	38	25	this	this	DET
fbem-15359	38	26	impact	impact	NOUN
fbem-15359	38	27	from	from	ADP
fbem-15359	38	28	an	an	DET
fbem-15359	38	29	income	income	NOUN
fbem-15359	38	30	perspective	perspective	NOUN
fbem-15359	38	31	.	.	PUNCT
fbem-15359	39	1	this	this	PRON
fbem-15359	39	2	expands	expand	VERB
fbem-15359	39	3	the	the	DET
fbem-15359	39	4	research	research	NOUN
fbem-15359	39	5	field	field	NOUN
fbem-15359	39	6	of	of	ADP
fbem-15359	39	7	human	human	ADJ
fbem-15359	39	8	capital	capital	NOUN
fbem-15359	39	9	and	and	CCONJ
fbem-15359	39	10	financial	financial	ADJ
fbem-15359	39	11	asset	asset	NOUN
fbem-15359	39	12	allocation	allocation	NOUN
fbem-15359	39	13	,	,	PUNCT
fbem-15359	39	14	significantly	significantly	ADV
fbem-15359	39	15	supplementing	supplement	VERB
fbem-15359	39	16	existing	exist	VERB
fbem-15359	39	17	studies	study	NOUN
fbem-15359	39	18	.	.	PUNCT
fbem-15359	40	1	secondly	secondly	ADV
fbem-15359	40	2	,	,	PUNCT
fbem-15359	40	3	it	it	PRON
fbem-15359	40	4	examines	examine	VERB
fbem-15359	40	5	the	the	DET
fbem-15359	40	6	moderating	moderate	VERB
fbem-15359	40	7	role	role	NOUN
fbem-15359	40	8	of	of	ADP
fbem-15359	40	9	risk	risk	NOUN
fbem-15359	40	10	attitude	attitude	NOUN
fbem-15359	40	11	in	in	ADP
fbem-15359	40	12	the	the	DET
fbem-15359	40	13	process	process	NOUN
fbem-15359	40	14	of	of	ADP
fbem-15359	40	15	educational	educational	ADJ
fbem-15359	40	16	level	level	NOUN
fbem-15359	40	17	driving	drive	VERB
fbem-15359	40	18	family	family	NOUN
fbem-15359	40	19	financial	financial	ADJ
fbem-15359	40	20	asset	asset	NOUN
fbem-15359	40	21	choices	choice	NOUN
fbem-15359	40	22	.	.	PUNCT
fbem-15359	41	1	this	this	PRON
fbem-15359	41	2	deepens	deepen	VERB
fbem-15359	41	3	the	the	DET
fbem-15359	41	4	understanding	understanding	NOUN
fbem-15359	41	5	of	of	ADP
fbem-15359	41	6	the	the	DET
fbem-15359	41	7	intrinsic	intrinsic	ADJ
fbem-15359	41	8	patterns	pattern	NOUN
fbem-15359	41	9	of	of	ADP
fbem-15359	41	10	how	how	SCONJ
fbem-15359	41	11	educational	educational	ADJ
fbem-15359	41	12	levels	level	NOUN
fbem-15359	41	13	affect	affect	VERB
fbem-15359	41	14	financial	financial	ADJ
fbem-15359	41	15	asset	asset	NOUN
fbem-15359	41	16	allocation	allocation	NOUN
fbem-15359	41	17	and	and	CCONJ
fbem-15359	41	18	provides	provide	VERB
fbem-15359	41	19	a	a	DET
fbem-15359	41	20	reference	reference	NOUN
fbem-15359	41	21	for	for	ADP
fbem-15359	41	22	promoting	promote	VERB
fbem-15359	41	23	financial	financial	ADJ
fbem-15359	41	24	market	market	NOUN
fbem-15359	41	25	development	development	NOUN
fbem-15359	41	26	through	through	ADP
fbem-15359	41	27	education	education	NOUN
fbem-15359	41	28	.	.	PUNCT
fbem-15359	42	1	lastly	lastly	ADV
fbem-15359	42	2	,	,	PUNCT
fbem-15359	42	3	it	it	PRON
fbem-15359	42	4	investigates	investigate	VERB
fbem-15359	42	5	the	the	DET
fbem-15359	42	6	differences	difference	NOUN
fbem-15359	42	7	in	in	ADP
fbem-15359	42	8	the	the	DET
fbem-15359	42	9	impact	impact	NOUN
fbem-15359	42	10	of	of	ADP
fbem-15359	42	11	the	the	DET
fbem-15359	42	12	educational	educational	ADJ
fbem-15359	42	13	level	level	NOUN
fbem-15359	42	14	of	of	ADP
fbem-15359	42	15	household	household	NOUN
fbem-15359	42	16	heads	head	NOUN
fbem-15359	42	17	from	from	ADP
fbem-15359	42	18	various	various	ADJ
fbem-15359	42	19	regions	region	NOUN
fbem-15359	42	20	and	and	CCONJ
fbem-15359	42	21	household	household	NOUN
fbem-15359	42	22	registrations	registration	NOUN
fbem-15359	42	23	on	on	ADP
fbem-15359	42	24	family	family	NOUN
fbem-15359	42	25	financial	financial	ADJ
fbem-15359	42	26	asset	asset	NOUN
fbem-15359	42	27	allocation	allocation	NOUN
fbem-15359	42	28	.	.	PUNCT
fbem-15359	43	1	this	this	PRON
fbem-15359	43	2	enriches	enrich	VERB
fbem-15359	43	3	the	the	DET
fbem-15359	43	4	research	research	NOUN
fbem-15359	43	5	content	content	NOUN
fbem-15359	43	6	on	on	ADP
fbem-15359	43	7	human	human	ADJ
fbem-15359	43	8	capital	capital	NOUN
fbem-15359	43	9	and	and	CCONJ
fbem-15359	43	10	financial	financial	ADJ
fbem-15359	43	11	market	market	NOUN
fbem-15359	43	12	development	development	NOUN
fbem-15359	43	13	,	,	PUNCT
fbem-15359	43	14	offering	offer	VERB
fbem-15359	43	15	more	more	ADV
fbem-15359	43	16	explicit	explicit	ADJ
fbem-15359	43	17	policy	policy	NOUN
fbem-15359	43	18	implications	implication	NOUN
fbem-15359	43	19	.	.	PUNCT
fbem-15359	44	1	2	2	X
fbem-15359	44	2	.	.	X
fbem-15359	44	3	theoretical	theoretical	ADJ
fbem-15359	44	4	analysis	analysis	NOUN
fbem-15359	44	5	and	and	CCONJ
fbem-15359	44	6	research	research	NOUN
fbem-15359	44	7	hypothesis	hypothesis	NOUN
fbem-15359	44	8	2.1	2.1	NUM
fbem-15359	44	9	.	.	PUNCT
fbem-15359	45	1	direct	direct	ADJ
fbem-15359	45	2	effect	effect	NOUN
fbem-15359	45	3	according	accord	VERB
fbem-15359	45	4	to	to	ADP
fbem-15359	45	5	human	human	ADJ
fbem-15359	45	6	capital	capital	NOUN
fbem-15359	45	7	theory	theory	NOUN
fbem-15359	45	8	,	,	PUNCT
fbem-15359	45	9	there	there	PRON
fbem-15359	45	10	is	be	VERB
fbem-15359	45	11	a	a	DET
fbem-15359	45	12	significant	significant	ADJ
fbem-15359	45	13	link	link	NOUN
fbem-15359	45	14	between	between	ADP
fbem-15359	45	15	an	an	DET
fbem-15359	45	16	individual	individual	NOUN
fbem-15359	45	17	's	's	PART
fbem-15359	45	18	cognitive	cognitive	ADJ
fbem-15359	45	19	abilities	ability	NOUN
fbem-15359	45	20	and	and	CCONJ
fbem-15359	45	21	their	their	PRON
fbem-15359	45	22	educational	educational	ADJ
fbem-15359	45	23	attainment	attainment	NOUN
fbem-15359	45	24	,	,	PUNCT
fbem-15359	45	25	with	with	ADP
fbem-15359	45	26	higher	high	ADJ
fbem-15359	45	27	levels	level	NOUN
fbem-15359	45	28	of	of	ADP
fbem-15359	45	29	education	education	NOUN
fbem-15359	45	30	generally	generally	ADV
fbem-15359	45	31	corresponding	correspond	VERB
fbem-15359	45	32	to	to	ADP
fbem-15359	45	33	enhanced	enhanced	ADJ
fbem-15359	45	34	cognitive	cognitive	ADJ
fbem-15359	45	35	skills	skill	NOUN
fbem-15359	45	36	.	.	PUNCT
fbem-15359	46	1	the	the	DET
fbem-15359	46	2	educational	educational	ADJ
fbem-15359	46	3	level	level	NOUN
fbem-15359	46	4	of	of	ADP
fbem-15359	46	5	individuals	individual	NOUN
fbem-15359	46	6	is	be	AUX
fbem-15359	46	7	closely	closely	ADV
fbem-15359	46	8	associated	associate	VERB
fbem-15359	46	9	with	with	ADP
fbem-15359	46	10	their	their	PRON
fbem-15359	46	11	proficiency	proficiency	NOUN
fbem-15359	46	12	in	in	ADP
fbem-15359	46	13	acquiring	acquire	VERB
fbem-15359	46	14	financial	financial	ADJ
fbem-15359	46	15	knowledge	knowledge	NOUN
fbem-15359	46	16	[	[	X
fbem-15359	46	17	14	14	NUM
fbem-15359	46	18	]	]	PUNCT
fbem-15359	46	19	.	.	PUNCT
fbem-15359	47	1	on	on	ADP
fbem-15359	47	2	one	one	NUM
fbem-15359	47	3	hand	hand	NOUN
fbem-15359	47	4	,	,	PUNCT
fbem-15359	47	5	household	household	NOUN
fbem-15359	47	6	heads	head	NOUN
fbem-15359	47	7	with	with	ADP
fbem-15359	47	8	advanced	advanced	ADJ
fbem-15359	47	9	educational	educational	ADJ
fbem-15359	47	10	backgrounds	background	NOUN
fbem-15359	47	11	are	be	AUX
fbem-15359	47	12	equipped	equip	VERB
fbem-15359	47	13	with	with	ADP
fbem-15359	47	14	a	a	DET
fbem-15359	47	15	broader	broad	ADJ
fbem-15359	47	16	range	range	NOUN
fbem-15359	47	17	of	of	ADP
fbem-15359	47	18	financial	financial	ADJ
fbem-15359	47	19	knowledge	knowledge	NOUN
fbem-15359	47	20	,	,	PUNCT
fbem-15359	47	21	and	and	CCONJ
fbem-15359	47	22	superior	superior	ADJ
fbem-15359	47	23	analytical	analytical	ADJ
fbem-15359	47	24	and	and	CCONJ
fbem-15359	47	25	comprehension	comprehension	NOUN
fbem-15359	47	26	skills	skill	NOUN
fbem-15359	47	27	,	,	PUNCT
fbem-15359	47	28	enabling	enable	VERB
fbem-15359	47	29	them	they	PRON
fbem-15359	47	30	to	to	PART
fbem-15359	47	31	accurately	accurately	ADV
fbem-15359	47	32	pinpoint	pinpoint	VERB
fbem-15359	47	33	investment	investment	NOUN
fbem-15359	47	34	opportunities	opportunity	NOUN
fbem-15359	47	35	in	in	ADP
fbem-15359	47	36	the	the	DET
fbem-15359	47	37	market	market	NOUN
fbem-15359	47	38	and	and	CCONJ
fbem-15359	47	39	thereby	thereby	ADV
fbem-15359	47	40	minimize	minimize	VERB
fbem-15359	47	41	the	the	DET
fbem-15359	47	42	costs	cost	NOUN
fbem-15359	47	43	associated	associate	VERB
fbem-15359	47	44	with	with	ADP
fbem-15359	47	45	investment	investment	NOUN
fbem-15359	47	46	experimentation	experimentation	NOUN
fbem-15359	47	47	[	[	X
fbem-15359	47	48	15	15	NUM
fbem-15359	47	49	]	]	PUNCT
fbem-15359	47	50	.	.	PUNCT
fbem-15359	48	1	on	on	ADP
fbem-15359	48	2	the	the	DET
fbem-15359	48	3	other	other	ADJ
fbem-15359	48	4	hand	hand	NOUN
fbem-15359	48	5	,	,	PUNCT
fbem-15359	48	6	individuals	individual	NOUN
fbem-15359	48	7	with	with	ADP
fbem-15359	48	8	higher	high	ADJ
fbem-15359	48	9	education	education	NOUN
fbem-15359	48	10	have	have	VERB
fbem-15359	48	11	access	access	NOUN
fbem-15359	48	12	to	to	ADP
fbem-15359	48	13	more	more	ADV
fbem-15359	48	14	robust	robust	ADJ
fbem-15359	48	15	social	social	ADJ
fbem-15359	48	16	networks	network	NOUN
fbem-15359	48	17	,	,	PUNCT
fbem-15359	48	18	which	which	PRON
fbem-15359	48	19	serve	serve	VERB
fbem-15359	48	20	as	as	ADP
fbem-15359	48	21	a	a	DET
fbem-15359	48	22	conduit	conduit	NOUN
fbem-15359	48	23	for	for	ADP
fbem-15359	48	24	comprehensive	comprehensive	ADJ
fbem-15359	48	25	and	and	CCONJ
fbem-15359	48	26	precise	precise	ADJ
fbem-15359	48	27	investment	investment	NOUN
fbem-15359	48	28	information[16	information[16	NOUN
fbem-15359	48	29	]	]	PUNCT
fbem-15359	48	30	.	.	PUNCT
fbem-15359	49	1	this	this	PRON
fbem-15359	49	2	,	,	PUNCT
fbem-15359	49	3	in	in	ADP
fbem-15359	49	4	turn	turn	NOUN
fbem-15359	49	5	,	,	PUNCT
fbem-15359	49	6	fosters	foster	VERB
fbem-15359	49	7	a	a	DET
fbem-15359	49	8	greater	great	ADJ
fbem-15359	49	9	inclination	inclination	NOUN
fbem-15359	49	10	towards	towards	ADP
fbem-15359	49	11	participating	participate	VERB
fbem-15359	49	12	in	in	ADP
fbem-15359	49	13	financial	financial	ADJ
fbem-15359	49	14	markets	market	NOUN
fbem-15359	49	15	and	and	CCONJ
fbem-15359	49	16	diversifying	diversify	VERB
fbem-15359	49	17	their	their	PRON
fbem-15359	49	18	financial	financial	ADJ
fbem-15359	49	19	product	product	NOUN
fbem-15359	49	20	portfolios	portfolio	NOUN
fbem-15359	49	21	.	.	PUNCT
fbem-15359	50	1	2.2	2.2	NUM
fbem-15359	50	2	.	.	PUNCT
fbem-15359	51	1	the	the	DET
fbem-15359	51	2	mediating	mediate	VERB
fbem-15359	51	3	effect	effect	NOUN
fbem-15359	51	4	schultz	schultz	PROPN
fbem-15359	51	5	argues	argue	VERB
fbem-15359	51	6	that	that	SCONJ
fbem-15359	51	7	the	the	DET
fbem-15359	51	8	degree	degree	NOUN
fbem-15359	51	9	of	of	ADP
fbem-15359	51	10	education	education	NOUN
fbem-15359	51	11	and	and	CCONJ
fbem-15359	51	12	the	the	DET
fbem-15359	51	13	consequent	consequent	ADJ
fbem-15359	51	14	enhancement	enhancement	NOUN
fbem-15359	51	15	of	of	ADP
fbem-15359	51	16	human	human	ADJ
fbem-15359	51	17	capital	capital	NOUN
fbem-15359	51	18	constitute	constitute	VERB
fbem-15359	51	19	the	the	DET
fbem-15359	51	20	most	most	ADV
fbem-15359	51	21	pivotal	pivotal	ADJ
fbem-15359	51	22	elements	element	NOUN
fbem-15359	51	23	influencing	influence	VERB
fbem-15359	51	24	changes	change	NOUN
fbem-15359	51	25	in	in	ADP
fbem-15359	51	26	individual	individual	ADJ
fbem-15359	51	27	income	income	NOUN
fbem-15359	51	28	distribution	distribution	NOUN
fbem-15359	51	29	[	[	X
fbem-15359	51	30	17	17	NUM
fbem-15359	51	31	]	]	PUNCT
fbem-15359	51	32	.	.	PUNCT
fbem-15359	52	1	individuals	individual	NOUN
fbem-15359	52	2	with	with	ADP
fbem-15359	52	3	higher	high	ADJ
fbem-15359	52	4	educational	educational	ADJ
fbem-15359	52	5	levels	level	NOUN
fbem-15359	52	6	typically	typically	ADV
fbem-15359	52	7	exhibit	exhibit	VERB
fbem-15359	52	8	elevated	elevated	ADJ
fbem-15359	52	9	aptitudes	aptitude	NOUN
fbem-15359	52	10	and	and	CCONJ
fbem-15359	52	11	competencies	competency	NOUN
fbem-15359	52	12	in	in	ADP
fbem-15359	52	13	employment	employment	NOUN
fbem-15359	52	14	,	,	PUNCT
fbem-15359	52	15	professional	professional	ADJ
fbem-15359	52	16	activities	activity	NOUN
fbem-15359	52	17	,	,	PUNCT
fbem-15359	52	18	and	and	CCONJ
fbem-15359	52	19	entrepreneurial	entrepreneurial	ADJ
fbem-15359	52	20	endeavors	endeavor	NOUN
fbem-15359	52	21	.	.	PUNCT
fbem-15359	53	1	their	their	PRON
fbem-15359	53	2	educational	educational	ADJ
fbem-15359	53	3	capital	capital	NOUN
fbem-15359	53	4	not	not	PART
fbem-15359	53	5	only	only	ADV
fbem-15359	53	6	creates	create	VERB
fbem-15359	53	7	but	but	CCONJ
fbem-15359	53	8	also	also	ADV
fbem-15359	53	9	expands	expand	VERB
fbem-15359	53	10	the	the	DET
fbem-15359	53	11	channels	channel	NOUN
fbem-15359	53	12	for	for	ADP
fbem-15359	53	13	personal	personal	ADJ
fbem-15359	53	14	income	income	NOUN
fbem-15359	53	15	generation	generation	NOUN
fbem-15359	53	16	,	,	PUNCT
fbem-15359	53	17	thereby	thereby	ADV
fbem-15359	53	18	promoting	promote	VERB
fbem-15359	53	19	the	the	DET
fbem-15359	53	20	accumulation	accumulation	NOUN
fbem-15359	53	21	of	of	ADP
fbem-15359	53	22	wealth	wealth	NOUN
fbem-15359	53	23	[	[	X
fbem-15359	53	24	18	18	NUM
fbem-15359	53	25	]	]	PUNCT
fbem-15359	53	26	.	.	PUNCT
fbem-15359	54	1	indeed	indeed	ADV
fbem-15359	54	2	,	,	PUNCT
fbem-15359	54	3	a	a	DET
fbem-15359	54	4	higher	high	ADJ
fbem-15359	54	5	educational	educational	ADJ
fbem-15359	54	6	tier	tier	NOUN
fbem-15359	54	7	correlates	correlate	VERB
fbem-15359	54	8	with	with	ADP
fbem-15359	54	9	enhanced	enhanced	ADJ
fbem-15359	54	10	cognitive	cognitive	ADJ
fbem-15359	54	11	abilities	ability	NOUN
fbem-15359	54	12	,	,	PUNCT
fbem-15359	54	13	which	which	PRON
fbem-15359	54	14	in	in	ADP
fbem-15359	54	15	turn	turn	NOUN
fbem-15359	54	16	,	,	PUNCT
fbem-15359	54	17	equips	equip	VERB
fbem-15359	54	18	individuals	individual	NOUN
fbem-15359	54	19	with	with	ADP
fbem-15359	54	20	a	a	DET
fbem-15359	54	21	surplus	surplus	NOUN
fbem-15359	54	22	of	of	ADP
fbem-15359	54	23	disposable	disposable	ADJ
fbem-15359	54	24	income	income	NOUN
fbem-15359	54	25	[	[	X
fbem-15359	54	26	19	19	NUM
fbem-15359	54	27	]	]	PUNCT
fbem-15359	54	28	.	.	PUNCT
fbem-15359	55	1	this	this	DET
fbem-15359	55	2	stability	stability	NOUN
fbem-15359	55	3	in	in	ADP
fbem-15359	55	4	income	income	NOUN
fbem-15359	55	5	sources	source	NOUN
fbem-15359	55	6	provides	provide	VERB
fbem-15359	55	7	both	both	DET
fbem-15359	55	8	short	short	ADJ
fbem-15359	55	9	-	-	PUNCT
fbem-15359	55	10	term	term	NOUN
fbem-15359	55	11	and	and	CCONJ
fbem-15359	55	12	long	long	ADJ
fbem-15359	55	13	-	-	PUNCT
fbem-15359	55	14	term	term	NOUN
fbem-15359	55	15	economic	economic	ADJ
fbem-15359	55	16	assurances	assurance	NOUN
fbem-15359	55	17	,	,	PUNCT
fbem-15359	55	18	enabling	enable	VERB
fbem-15359	55	19	them	they	PRON
fbem-15359	55	20	to	to	PART
fbem-15359	55	21	allocate	allocate	VERB
fbem-15359	55	22	more	more	ADJ
fbem-15359	55	23	resources	resource	NOUN
fbem-15359	55	24	toward	toward	ADP
fbem-15359	55	25	the	the	DET
fbem-15359	55	26	selection	selection	NOUN
fbem-15359	55	27	and	and	CCONJ
fbem-15359	55	28	management	management	NOUN
fbem-15359	55	29	of	of	ADP
fbem-15359	55	30	financial	financial	ADJ
fbem-15359	55	31	assets	asset	NOUN
fbem-15359	55	32	.	.	PUNCT
fbem-15359	56	1	based	base	VERB
fbem-15359	56	2	on	on	ADP
fbem-15359	56	3	the	the	DET
fbem-15359	56	4	preceding	precede	VERB
fbem-15359	56	5	discussion	discussion	NOUN
fbem-15359	56	6	,	,	PUNCT
fbem-15359	56	7	this	this	DET
fbem-15359	56	8	paper	paper	NOUN
fbem-15359	56	9	proposes	propose	VERB
fbem-15359	56	10	the	the	DET
fbem-15359	56	11	following	follow	VERB
fbem-15359	56	12	hypotheses	hypothesis	NOUN
fbem-15359	56	13	to	to	PART
fbem-15359	56	14	be	be	AUX
fbem-15359	56	15	empirically	empirically	ADV
fbem-15359	56	16	tested	test	VERB
fbem-15359	56	17	:	:	PUNCT
fbem-15359	56	18	h1	h1	PROPN
fbem-15359	56	19	:	:	PUNCT
fbem-15359	56	20	the	the	DET
fbem-15359	56	21	educational	educational	ADJ
fbem-15359	56	22	attainment	attainment	NOUN
fbem-15359	56	23	of	of	ADP
fbem-15359	56	24	the	the	DET
fbem-15359	56	25	household	household	NOUN
fbem-15359	56	26	head	head	NOUN
fbem-15359	56	27	is	be	AUX
fbem-15359	56	28	a	a	DET
fbem-15359	56	29	significant	significant	ADJ
fbem-15359	56	30	factor	factor	NOUN
fbem-15359	56	31	in	in	ADP
fbem-15359	56	32	promoting	promote	VERB
fbem-15359	56	33	the	the	DET
fbem-15359	56	34	family	family	NOUN
fbem-15359	56	35	's	's	PART
fbem-15359	56	36	involvement	involvement	NOUN
fbem-15359	56	37	in	in	ADP
fbem-15359	56	38	selecting	select	VERB
fbem-15359	56	39	financial	financial	ADJ
fbem-15359	56	40	assets	asset	NOUN
fbem-15359	56	41	.	.	PUNCT
fbem-15359	57	1	h2	h2	NOUN
fbem-15359	57	2	:	:	PUNCT
fbem-15359	57	3	the	the	DET
fbem-15359	57	4	educational	educational	ADJ
fbem-15359	57	5	attainment	attainment	NOUN
fbem-15359	57	6	of	of	ADP
fbem-15359	57	7	the	the	DET
fbem-15359	57	8	household	household	NOUN
fbem-15359	57	9	head	head	NOUN
fbem-15359	57	10	contributes	contribute	VERB
fbem-15359	57	11	to	to	ADP
fbem-15359	57	12	the	the	DET
fbem-15359	57	13	family	family	NOUN
fbem-15359	57	14	's	's	PART
fbem-15359	57	15	selection	selection	NOUN
fbem-15359	57	16	of	of	ADP
fbem-15359	57	17	financial	financial	ADJ
fbem-15359	57	18	assets	asset	NOUN
fbem-15359	57	19	by	by	ADP
fbem-15359	57	20	enhancing	enhance	VERB
fbem-15359	57	21	overall	overall	ADJ
fbem-15359	57	22	household	household	NOUN
fbem-15359	57	23	income	income	NOUN
fbem-15359	57	24	.	.	PUNCT
fbem-15359	58	1	2.3	2.3	NUM
fbem-15359	58	2	.	.	PUNCT
fbem-15359	59	1	the	the	DET
fbem-15359	59	2	synergistic	synergistic	ADJ
fbem-15359	59	3	mechanism	mechanism	NOUN
fbem-15359	59	4	the	the	DET
fbem-15359	59	5	impact	impact	NOUN
fbem-15359	59	6	of	of	ADP
fbem-15359	59	7	educational	educational	ADJ
fbem-15359	59	8	level	level	NOUN
fbem-15359	59	9	on	on	ADP
fbem-15359	59	10	financial	financial	ADJ
fbem-15359	59	11	asset	asset	NOUN
fbem-15359	59	12	choices	choice	NOUN
fbem-15359	59	13	is	be	AUX
fbem-15359	59	14	influenced	influence	VERB
fbem-15359	59	15	by	by	ADP
fbem-15359	59	16	attitudes	attitude	NOUN
fbem-15359	59	17	towards	towards	ADP
fbem-15359	59	18	risk	risk	NOUN
fbem-15359	59	19	.	.	PUNCT
fbem-15359	60	1	individuals	individual	NOUN
fbem-15359	60	2	with	with	ADP
fbem-15359	60	3	a	a	DET
fbem-15359	60	4	stronger	strong	ADJ
fbem-15359	60	5	preference	preference	NOUN
fbem-15359	60	6	for	for	ADP
fbem-15359	60	7	risk	risk	NOUN
fbem-15359	60	8	are	be	AUX
fbem-15359	60	9	more	more	ADV
fbem-15359	60	10	likely	likely	ADJ
fbem-15359	60	11	to	to	PART
fbem-15359	60	12	increase	increase	VERB
fbem-15359	60	13	their	their	PRON
fbem-15359	60	14	investments	investment	NOUN
fbem-15359	60	15	in	in	ADP
fbem-15359	60	16	riskier	risky	ADJ
fbem-15359	60	17	assets	asset	NOUN
fbem-15359	60	18	and	and	CCONJ
fbem-15359	60	19	adopt	adopt	VERB
fbem-15359	60	20	proactive	proactive	ADJ
fbem-15359	60	21	retirement	retirement	NOUN
fbem-15359	60	22	strategies	strategy	NOUN
fbem-15359	60	23	[	[	X
fbem-15359	60	24	20	20	NUM
fbem-15359	60	25	]	]	PUNCT
fbem-15359	60	26	.	.	PUNCT
fbem-15359	61	1	conversely	conversely	ADV
fbem-15359	61	2	,	,	PUNCT
fbem-15359	61	3	those	those	PRON
fbem-15359	61	4	with	with	ADP
fbem-15359	61	5	a	a	DET
fbem-15359	61	6	stronger	strong	ADJ
fbem-15359	61	7	aversion	aversion	NOUN
fbem-15359	61	8	to	to	PART
fbem-15359	61	9	risk	risk	NOUN
fbem-15359	61	10	tend	tend	VERB
fbem-15359	61	11	to	to	PART
fbem-15359	61	12	limit	limit	VERB
fbem-15359	61	13	their	their	PRON
fbem-15359	61	14	selection	selection	NOUN
fbem-15359	61	15	of	of	ADP
fbem-15359	61	16	financial	financial	ADJ
fbem-15359	61	17	assets	asset	NOUN
fbem-15359	61	18	and	and	CCONJ
fbem-15359	61	19	are	be	AUX
fbem-15359	61	20	less	less	ADV
fbem-15359	61	21	likely	likely	ADJ
fbem-15359	61	22	to	to	PART
fbem-15359	61	23	engage	engage	VERB
fbem-15359	61	24	in	in	ADP
fbem-15359	61	25	active	active	ADJ
fbem-15359	61	26	retirement	retirement	NOUN
fbem-15359	61	27	planning	planning	NOUN
fbem-15359	61	28	[	[	X
fbem-15359	61	29	21	21	NUM
fbem-15359	61	30	]	]	PUNCT
fbem-15359	61	31	.	.	PUNCT
fbem-15359	62	1	a	a	DET
fbem-15359	62	2	preference	preference	NOUN
fbem-15359	62	3	for	for	ADP
fbem-15359	62	4	risk	risk	NOUN
fbem-15359	62	5	enhances	enhance	VERB
fbem-15359	62	6	the	the	DET
fbem-15359	62	7	effect	effect	NOUN
fbem-15359	62	8	of	of	ADP
fbem-15359	62	9	educational	educational	ADJ
fbem-15359	62	10	level	level	NOUN
fbem-15359	62	11	on	on	ADP
fbem-15359	62	12	the	the	DET
fbem-15359	62	13	choice	choice	NOUN
fbem-15359	62	14	of	of	ADP
fbem-15359	62	15	financial	financial	ADJ
fbem-15359	62	16	assets	asset	NOUN
fbem-15359	62	17	,	,	PUNCT
fbem-15359	62	18	whereas	whereas	SCONJ
fbem-15359	62	19	an	an	DET
fbem-15359	62	20	aversion	aversion	NOUN
fbem-15359	62	21	to	to	PART
fbem-15359	62	22	risk	risk	NOUN
fbem-15359	62	23	diminishes	diminish	VERB
fbem-15359	62	24	it	it	PRON
fbem-15359	62	25	.	.	PUNCT
fbem-15359	63	1	in	in	ADP
fbem-15359	63	2	reality	reality	NOUN
fbem-15359	63	3	,	,	PUNCT
fbem-15359	63	4	groups	group	NOUN
fbem-15359	63	5	with	with	ADP
fbem-15359	63	6	higher	high	ADJ
fbem-15359	63	7	levels	level	NOUN
fbem-15359	63	8	of	of	ADP
fbem-15359	63	9	education	education	NOUN
fbem-15359	63	10	have	have	VERB
fbem-15359	63	11	stronger	strong	ADJ
fbem-15359	63	12	information	information	NOUN
fbem-15359	63	13	acquisition	acquisition	NOUN
fbem-15359	63	14	abilities	ability	NOUN
fbem-15359	63	15	,	,	PUNCT
fbem-15359	63	16	not	not	PART
fbem-15359	63	17	only	only	ADV
fbem-15359	63	18	in	in	ADP
fbem-15359	63	19	terms	term	NOUN
fbem-15359	63	20	of	of	ADP
fbem-15359	63	21	enhanced	enhanced	ADJ
fbem-15359	63	22	cognitive	cognitive	ADJ
fbem-15359	63	23	capacity	capacity	NOUN
fbem-15359	63	24	but	but	CCONJ
fbem-15359	63	25	also	also	ADV
fbem-15359	63	26	in	in	ADP
fbem-15359	63	27	accessing	access	VERB
fbem-15359	63	28	more	more	ADV
fbem-15359	63	29	accurate	accurate	ADJ
fbem-15359	63	30	investment	investment	NOUN
fbem-15359	63	31	information[22	information[22	ADJ
fbem-15359	63	32	]	]	PUNCT
fbem-15359	63	33	.	.	PUNCT
fbem-15359	64	1	therefore	therefore	ADV
fbem-15359	64	2	,	,	PUNCT
fbem-15359	64	3	a	a	DET
fbem-15359	64	4	risk	risk	NOUN
fbem-15359	64	5	preference	preference	NOUN
fbem-15359	64	6	mindset	mindset	NOUN
fbem-15359	64	7	leads	lead	VERB
fbem-15359	64	8	to	to	ADP
fbem-15359	64	9	greater	great	ADJ
fbem-15359	64	10	confidence	confidence	NOUN
fbem-15359	64	11	in	in	ADP
fbem-15359	64	12	the	the	DET
fbem-15359	64	13	financial	financial	ADJ
fbem-15359	64	14	market	market	NOUN
fbem-15359	64	15	,	,	PUNCT
fbem-15359	64	16	subsequently	subsequently	ADV
fbem-15359	64	17	increasing	increase	VERB
fbem-15359	64	18	the	the	DET
fbem-15359	64	19	extent	extent	NOUN
fbem-15359	64	20	of	of	ADP
fbem-15359	64	21	household	household	NOUN
fbem-15359	64	22	participation	participation	NOUN
fbem-15359	64	23	in	in	ADP
fbem-15359	64	24	financial	financial	ADJ
fbem-15359	64	25	markets	market	NOUN
fbem-15359	64	26	.	.	PUNCT
fbem-15359	65	1	in	in	ADP
fbem-15359	65	2	summary	summary	NOUN
fbem-15359	65	3	,	,	PUNCT
fbem-15359	65	4	the	the	DET
fbem-15359	65	5	following	follow	VERB
fbem-15359	65	6	hypotheses	hypothesis	NOUN
fbem-15359	65	7	are	be	AUX
fbem-15359	65	8	proposed	propose	VERB
fbem-15359	65	9	for	for	ADP
fbem-15359	65	10	empirical	empirical	ADJ
fbem-15359	65	11	validation	validation	NOUN
fbem-15359	65	12	:	:	PUNCT
fbem-15359	65	13	h3	h3	NOUN
fbem-15359	65	14	:	:	PUNCT
fbem-15359	65	15	the	the	DET
fbem-15359	65	16	efficacy	efficacy	NOUN
fbem-15359	65	17	of	of	ADP
fbem-15359	65	18	the	the	DET
fbem-15359	65	19	household	household	NOUN
fbem-15359	65	20	head	head	NOUN
fbem-15359	65	21	's	's	PART
fbem-15359	65	22	educational	educational	ADJ
fbem-15359	65	23	level	level	NOUN
fbem-15359	65	24	in	in	ADP
fbem-15359	65	25	enhancing	enhance	VERB
fbem-15359	65	26	family	family	NOUN
fbem-15359	65	27	financial	financial	ADJ
fbem-15359	65	28	asset	asset	NOUN
fbem-15359	65	29	choices	choice	NOUN
fbem-15359	65	30	is	be	AUX
fbem-15359	65	31	contingent	contingent	ADJ
fbem-15359	65	32	upon	upon	SCONJ
fbem-15359	65	33	the	the	DET
fbem-15359	65	34	family	family	NOUN
fbem-15359	65	35	's	's	PART
fbem-15359	65	36	risk	risk	NOUN
fbem-15359	65	37	attitude	attitude	NOUN
fbem-15359	65	38	.	.	PUNCT
fbem-15359	66	1	3	3	X
fbem-15359	66	2	.	.	X
fbem-15359	66	3	research	research	NOUN
fbem-15359	66	4	and	and	CCONJ
fbem-15359	66	5	design	design	NOUN
fbem-15359	66	6	3.1	3.1	NUM
fbem-15359	66	7	.	.	PUNCT
fbem-15359	67	1	data	datum	NOUN
fbem-15359	67	2	sources	source	NOUN
fbem-15359	67	3	the	the	DET
fbem-15359	67	4	2013	2013	NUM
fbem-15359	67	5	china	china	PROPN
fbem-15359	67	6	household	household	NOUN
fbem-15359	67	7	finance	finance	NOUN
fbem-15359	67	8	survey	survey	NOUN
fbem-15359	67	9	(	(	PUNCT
fbem-15359	67	10	chfs	chfs	PROPN
fbem-15359	67	11	)	)	PUNCT
fbem-15359	67	12	,	,	PUNCT
fbem-15359	67	13	conducted	conduct	VERB
fbem-15359	67	14	by	by	ADP
fbem-15359	67	15	the	the	DET
fbem-15359	67	16	china	china	PROPN
fbem-15359	67	17	household	household	PROPN
fbem-15359	67	18	finance	finance	NOUN
fbem-15359	67	19	survey	survey	NOUN
fbem-15359	67	20	and	and	CCONJ
fbem-15359	67	21	research	research	NOUN
fbem-15359	67	22	center	center	NOUN
fbem-15359	67	23	,	,	PUNCT
fbem-15359	67	24	represents	represent	VERB
fbem-15359	67	25	a	a	DET
fbem-15359	67	26	comprehensive	comprehensive	ADJ
fbem-15359	67	27	national	national	ADJ
fbem-15359	67	28	survey	survey	NOUN
fbem-15359	67	29	.	.	PUNCT
fbem-15359	68	1	this	this	DET
fbem-15359	68	2	second	second	ADJ
fbem-15359	68	3	round	round	NOUN
fbem-15359	68	4	of	of	ADP
fbem-15359	68	5	the	the	DET
fbem-15359	68	6	chfs	chfs	NOUN
fbem-15359	68	7	encompassed	encompass	VERB
fbem-15359	68	8	29	29	NUM
fbem-15359	68	9	provinces	province	NOUN
fbem-15359	68	10	,	,	PUNCT
fbem-15359	68	11	262	262	NUM
fbem-15359	68	12	counties	county	NOUN
fbem-15359	68	13	(	(	PUNCT
fbem-15359	68	14	districts	district	NOUN
fbem-15359	68	15	and	and	CCONJ
fbem-15359	68	16	county	county	NOUN
fbem-15359	68	17	-	-	PUNCT
fbem-15359	68	18	level	level	NOUN
fbem-15359	68	19	cities	city	NOUN
fbem-15359	68	20	)	)	PUNCT
fbem-15359	68	21	,	,	PUNCT
fbem-15359	68	22	and	and	CCONJ
fbem-15359	68	23	1048	1048	NUM
fbem-15359	68	24	communities	community	NOUN
fbem-15359	68	25	(	(	PUNCT
fbem-15359	68	26	villages	village	NOUN
fbem-15359	68	27	)	)	PUNCT
fbem-15359	68	28	,	,	PUNCT
fbem-15359	68	29	involving	involve	VERB
fbem-15359	68	30	questionnaire	questionnaire	NOUN
fbem-15359	68	31	surveys	survey	NOUN
fbem-15359	68	32	of	of	ADP
fbem-15359	68	33	nearly	nearly	ADV
fbem-15359	68	34	30,000	30,000	NUM
fbem-15359	68	35	households	household	NOUN
fbem-15359	68	36	.	.	PUNCT
fbem-15359	69	1	the	the	DET
fbem-15359	69	2	survey	survey	NOUN
fbem-15359	69	3	extensively	extensively	ADV
fbem-15359	69	4	covered	cover	VERB
fbem-15359	69	5	various	various	ADJ
fbem-15359	69	6	aspects	aspect	NOUN
fbem-15359	69	7	,	,	PUNCT
fbem-15359	69	8	including	include	VERB
fbem-15359	69	9	assets	asset	NOUN
fbem-15359	69	10	and	and	CCONJ
fbem-15359	69	11	liabilities	liability	NOUN
fbem-15359	69	12	,	,	PUNCT
fbem-15359	69	13	income	income	NOUN
fbem-15359	69	14	and	and	CCONJ
fbem-15359	69	15	expenditure	expenditure	NOUN
fbem-15359	69	16	,	,	PUNCT
fbem-15359	69	17	insurance	insurance	NOUN
fbem-15359	69	18	and	and	CCONJ
fbem-15359	69	19	protection	protection	NOUN
fbem-15359	69	20	,	,	PUNCT
fbem-15359	69	21	demographic	demographic	ADJ
fbem-15359	69	22	characteristics	characteristic	NOUN
fbem-15359	69	23	of	of	ADP
fbem-15359	69	24	families	family	NOUN
fbem-15359	69	25	,	,	PUNCT
fbem-15359	69	26	and	and	CCONJ
fbem-15359	69	27	employment	employment	NOUN
fbem-15359	69	28	.	.	PUNCT
fbem-15359	70	1	it	it	PRON
fbem-15359	70	2	particularly	particularly	ADV
fbem-15359	70	3	focused	focus	VERB
fbem-15359	70	4	on	on	ADP
fbem-15359	70	5	the	the	DET
fbem-15359	70	6	detailed	detailed	ADJ
fbem-15359	70	7	investigation	investigation	NOUN
fbem-15359	70	8	of	of	ADP
fbem-15359	70	9	the	the	DET
fbem-15359	70	10	usage	usage	NOUN
fbem-15359	70	11	and	and	CCONJ
fbem-15359	70	12	distribution	distribution	NOUN
fbem-15359	70	13	of	of	ADP
fbem-15359	70	14	household	household	NOUN
fbem-15359	70	15	financial	financial	ADJ
fbem-15359	70	16	assets	asset	NOUN
fbem-15359	70	17	.	.	PUNCT
fbem-15359	71	1	the	the	DET
fbem-15359	71	2	questionnaire	questionnaire	NOUN
fbem-15359	71	3	was	be	AUX
fbem-15359	71	4	designed	design	VERB
fbem-15359	71	5	to	to	PART
fbem-15359	71	6	measure	measure	VERB
fbem-15359	71	7	respondents	respondent	NOUN
fbem-15359	71	8	'	'	PART
fbem-15359	71	9	educational	educational	ADJ
fbem-15359	71	10	level	level	NOUN
fbem-15359	71	11	,	,	PUNCT
fbem-15359	71	12	income	income	NOUN
fbem-15359	71	13	,	,	PUNCT
fbem-15359	71	14	and	and	CCONJ
fbem-15359	71	15	risk	risk	NOUN
fbem-15359	71	16	attitude	attitude	NOUN
fbem-15359	71	17	,	,	PUNCT
fbem-15359	71	18	providing	provide	VERB
fbem-15359	71	19	an	an	DET
fbem-15359	71	20	authoritative	authoritative	ADJ
fbem-15359	71	21	data	datum	NOUN
fbem-15359	71	22	source	source	NOUN
fbem-15359	71	23	for	for	ADP
fbem-15359	71	24	this	this	DET
fbem-15359	71	25	study	study	NOUN
fbem-15359	71	26	on	on	ADP
fbem-15359	71	27	the	the	DET
fbem-15359	71	28	impact	impact	NOUN
fbem-15359	71	29	of	of	ADP
fbem-15359	71	30	educational	educational	ADJ
fbem-15359	71	31	level	level	NOUN
fbem-15359	71	32	on	on	ADP
fbem-15359	71	33	financial	financial	ADJ
fbem-15359	71	34	asset	asset	NOUN
fbem-15359	71	35	choices	choice	NOUN
fbem-15359	71	36	.	.	PUNCT
fbem-15359	72	1	in	in	ADP
fbem-15359	72	2	terms	term	NOUN
fbem-15359	72	3	of	of	ADP
fbem-15359	72	4	data	datum	NOUN
fbem-15359	72	5	processing	processing	NOUN
fbem-15359	72	6	,	,	PUNCT
fbem-15359	72	7	to	to	PART
fbem-15359	72	8	avoid	avoid	VERB
fbem-15359	72	9	the	the	DET
fbem-15359	72	10	disturbance	disturbance	NOUN
fbem-15359	72	11	of	of	ADP
fbem-15359	72	12	outliers	outlier	NOUN
fbem-15359	72	13	,	,	PUNCT
fbem-15359	72	14	this	this	DET
fbem-15359	72	15	study	study	NOUN
fbem-15359	72	16	followed	follow	VERB
fbem-15359	72	17	the	the	DET
fbem-15359	72	18	approach	approach	NOUN
fbem-15359	72	19	of	of	ADP
fbem-15359	72	20	previous	previous	ADJ
fbem-15359	72	21	literature	literature	NOUN
fbem-15359	72	22	by	by	ADP
fbem-15359	72	23	excluding	exclude	VERB
fbem-15359	72	24	samples	sample	NOUN
fbem-15359	72	25	with	with	ADP
fbem-15359	72	26	missing	miss	VERB
fbem-15359	72	27	values	value	NOUN
fbem-15359	72	28	in	in	ADP
fbem-15359	72	29	the	the	DET
fbem-15359	72	30	control	control	NOUN
fbem-15359	72	31	variables	variable	NOUN
fbem-15359	72	32	.	.	PUNCT
fbem-15359	73	1	additionally	additionally	ADV
fbem-15359	73	2	,	,	PUNCT
fbem-15359	73	3	considering	consider	VERB
fbem-15359	73	4	that	that	SCONJ
fbem-15359	73	5	household	household	NOUN
fbem-15359	73	6	heads	head	NOUN
fbem-15359	73	7	who	who	PRON
fbem-15359	73	8	are	be	AUX
fbem-15359	73	9	very	very	ADV
fbem-15359	73	10	young	young	ADJ
fbem-15359	73	11	or	or	CCONJ
fbem-15359	73	12	very	very	ADV
fbem-15359	73	13	old	old	ADJ
fbem-15359	73	14	have	have	VERB
fbem-15359	73	15	a	a	DET
fbem-15359	73	16	minimal	minimal	ADJ
fbem-15359	73	17	impact	impact	NOUN
fbem-15359	73	18	on	on	ADP
fbem-15359	73	19	family	family	NOUN
fbem-15359	73	20	asset	asset	NOUN
fbem-15359	73	21	investment	investment	NOUN
fbem-15359	73	22	choices	choice	NOUN
fbem-15359	73	23	,	,	PUNCT
fbem-15359	73	24	samples	sample	NOUN
fbem-15359	73	25	of	of	ADP
fbem-15359	73	26	individuals	individual	NOUN
fbem-15359	73	27	younger	young	ADJ
fbem-15359	73	28	than	than	ADP
fbem-15359	73	29	16	16	NUM
fbem-15359	73	30	or	or	CCONJ
fbem-15359	73	31	older	old	ADJ
fbem-15359	73	32	than	than	ADP
fbem-15359	73	33	90	90	NUM
fbem-15359	73	34	were	be	AUX
fbem-15359	73	35	excluded	exclude	VERB
fbem-15359	73	36	.	.	PUNCT
fbem-15359	74	1	consequently	consequently	ADV
fbem-15359	74	2	,	,	PUNCT
fbem-15359	74	3	the	the	DET
fbem-15359	74	4	final	final	ADJ
fbem-15359	74	5	effective	effective	ADJ
fbem-15359	74	6	sample	sample	NOUN
fbem-15359	74	7	size	size	NOUN
fbem-15359	74	8	for	for	ADP
fbem-15359	74	9	this	this	DET
fbem-15359	74	10	analysis	analysis	NOUN
fbem-15359	74	11	was	be	AUX
fbem-15359	74	12	19318	19318	NUM
fbem-15359	74	13	households	household	NOUN
fbem-15359	74	14	.	.	PUNCT
fbem-15359	75	1	7	7	NUM
fbem-15359	75	2	3.2	3.2	NUM
fbem-15359	75	3	.	.	PUNCT
fbem-15359	76	1	variable	variable	ADJ
fbem-15359	76	2	selection	selection	NOUN
fbem-15359	76	3	dependent	dependent	ADJ
fbem-15359	76	4	variables	variable	NOUN
fbem-15359	76	5	:	:	PUNCT
fbem-15359	76	6	this	this	DET
fbem-15359	76	7	research	research	NOUN
fbem-15359	76	8	defines	define	VERB
fbem-15359	76	9	family	family	NOUN
fbem-15359	76	10	financial	financial	ADJ
fbem-15359	76	11	choices	choice	NOUN
fbem-15359	76	12	through	through	ADP
fbem-15359	76	13	three	three	NUM
fbem-15359	76	14	key	key	ADJ
fbem-15359	76	15	variables	variable	NOUN
fbem-15359	76	16	:	:	PUNCT
fbem-15359	76	17	participation	participation	NOUN
fbem-15359	76	18	in	in	ADP
fbem-15359	76	19	the	the	DET
fbem-15359	76	20	stock	stock	NOUN
fbem-15359	76	21	market	market	NOUN
fbem-15359	76	22	,	,	PUNCT
fbem-15359	76	23	engagement	engagement	NOUN
fbem-15359	76	24	in	in	ADP
fbem-15359	76	25	commercial	commercial	ADJ
fbem-15359	76	26	insurance	insurance	NOUN
fbem-15359	76	27	,	,	PUNCT
fbem-15359	76	28	and	and	CCONJ
fbem-15359	76	29	involvement	involvement	NOUN
fbem-15359	76	30	in	in	ADP
fbem-15359	76	31	high	high	ADJ
fbem-15359	76	32	-	-	PUNCT
fbem-15359	76	33	risk	risk	NOUN
fbem-15359	76	34	financial	financial	ADJ
fbem-15359	76	35	markets	market	NOUN
fbem-15359	76	36	.	.	PUNCT
fbem-15359	77	1	operationally	operationally	ADV
fbem-15359	77	2	,	,	PUNCT
fbem-15359	77	3	a	a	DET
fbem-15359	77	4	family	family	NOUN
fbem-15359	77	5	's	's	PART
fbem-15359	77	6	engagement	engagement	NOUN
fbem-15359	77	7	in	in	ADP
fbem-15359	77	8	the	the	DET
fbem-15359	77	9	stock	stock	NOUN
fbem-15359	77	10	market	market	NOUN
fbem-15359	77	11	is	be	AUX
fbem-15359	77	12	assigned	assign	VERB
fbem-15359	77	13	a	a	DET
fbem-15359	77	14	value	value	NOUN
fbem-15359	77	15	of	of	ADP
fbem-15359	77	16	1	1	NUM
fbem-15359	77	17	for	for	ADP
fbem-15359	77	18	participation	participation	NOUN
fbem-15359	77	19	and	and	CCONJ
fbem-15359	77	20	0	0	NUM
fbem-15359	77	21	for	for	ADP
fbem-15359	77	22	non	non	ADJ
fbem-15359	77	23	-	-	NOUN
fbem-15359	77	24	participation	participation	NOUN
fbem-15359	77	25	.	.	PUNCT
fbem-15359	78	1	similarly	similarly	ADV
fbem-15359	78	2	,	,	PUNCT
fbem-15359	78	3	involvement	involvement	NOUN
fbem-15359	78	4	in	in	ADP
fbem-15359	78	5	the	the	DET
fbem-15359	78	6	commercial	commercial	ADJ
fbem-15359	78	7	insurance	insurance	NOUN
fbem-15359	78	8	market	market	NOUN
fbem-15359	78	9	is	be	AUX
fbem-15359	78	10	denoted	denote	VERB
fbem-15359	78	11	as	as	ADP
fbem-15359	78	12	1	1	NUM
fbem-15359	78	13	if	if	SCONJ
fbem-15359	78	14	the	the	DET
fbem-15359	78	15	family	family	NOUN
fbem-15359	78	16	participates	participate	VERB
fbem-15359	78	17	,	,	PUNCT
fbem-15359	78	18	and	and	CCONJ
fbem-15359	78	19	0	0	NUM
fbem-15359	78	20	if	if	SCONJ
fbem-15359	78	21	not	not	PART
fbem-15359	78	22	.	.	PUNCT
fbem-15359	79	1	lastly	lastly	ADV
fbem-15359	79	2	,	,	PUNCT
fbem-15359	79	3	holding	hold	VERB
fbem-15359	79	4	any	any	DET
fbem-15359	79	5	form	form	NOUN
fbem-15359	79	6	of	of	ADP
fbem-15359	79	7	high	high	ADJ
fbem-15359	79	8	-	-	PUNCT
fbem-15359	79	9	risk	risk	NOUN
fbem-15359	79	10	financial	financial	ADJ
fbem-15359	79	11	assets	asset	NOUN
fbem-15359	79	12	by	by	ADP
fbem-15359	79	13	a	a	DET
fbem-15359	79	14	family	family	NOUN
fbem-15359	79	15	is	be	AUX
fbem-15359	79	16	indicated	indicate	VERB
fbem-15359	79	17	as	as	ADP
fbem-15359	79	18	1	1	NUM
fbem-15359	79	19	,	,	PUNCT
fbem-15359	79	20	while	while	SCONJ
fbem-15359	79	21	the	the	DET
fbem-15359	79	22	absence	absence	NOUN
fbem-15359	79	23	of	of	ADP
fbem-15359	79	24	such	such	ADJ
fbem-15359	79	25	holdings	holding	NOUN
fbem-15359	79	26	is	be	AUX
fbem-15359	79	27	coded	code	VERB
fbem-15359	79	28	as	as	ADP
fbem-15359	79	29	0	0	NUM
fbem-15359	79	30	.	.	PUNCT
fbem-15359	80	1	independent	independent	ADJ
fbem-15359	80	2	variable	variable	NOUN
fbem-15359	80	3	:	:	PUNCT
fbem-15359	80	4	the	the	DET
fbem-15359	80	5	primary	primary	ADJ
fbem-15359	80	6	variable	variable	NOUN
fbem-15359	80	7	of	of	ADP
fbem-15359	80	8	interest	interest	NOUN
fbem-15359	80	9	in	in	ADP
fbem-15359	80	10	this	this	DET
fbem-15359	80	11	study	study	NOUN
fbem-15359	80	12	is	be	AUX
fbem-15359	80	13	the	the	DET
fbem-15359	80	14	educational	educational	ADJ
fbem-15359	80	15	level	level	NOUN
fbem-15359	80	16	of	of	ADP
fbem-15359	80	17	the	the	DET
fbem-15359	80	18	household	household	NOUN
fbem-15359	80	19	head	head	NOUN
fbem-15359	80	20	,	,	PUNCT
fbem-15359	80	21	as	as	SCONJ
fbem-15359	80	22	captured	capture	VERB
fbem-15359	80	23	in	in	ADP
fbem-15359	80	24	the	the	DET
fbem-15359	80	25	chfs	chfs	NOUN
fbem-15359	80	26	data	datum	NOUN
fbem-15359	80	27	.	.	PUNCT
fbem-15359	81	1	educational	educational	ADJ
fbem-15359	81	2	level	level	NOUN
fbem-15359	81	3	is	be	AUX
fbem-15359	81	4	quantitatively	quantitatively	ADV
fbem-15359	81	5	represented	represent	VERB
fbem-15359	81	6	on	on	ADP
fbem-15359	81	7	a	a	DET
fbem-15359	81	8	scale	scale	NOUN
fbem-15359	81	9	from	from	ADP
fbem-15359	81	10	1	1	NUM
fbem-15359	81	11	to	to	ADP
fbem-15359	81	12	9	9	NUM
fbem-15359	81	13	,	,	PUNCT
fbem-15359	81	14	categorizing	categorize	VERB
fbem-15359	81	15	the	the	DET
fbem-15359	81	16	educational	educational	ADJ
fbem-15359	81	17	stages	stage	NOUN
fbem-15359	81	18	as	as	SCONJ
fbem-15359	81	19	follows	follow	VERB
fbem-15359	81	20	:	:	PUNCT
fbem-15359	81	21	illiterate	illiterate	ADJ
fbem-15359	81	22	,	,	PUNCT
fbem-15359	81	23	primary	primary	ADJ
fbem-15359	81	24	school	school	NOUN
fbem-15359	81	25	,	,	PUNCT
fbem-15359	81	26	junior	junior	ADJ
fbem-15359	81	27	middle	middle	ADJ
fbem-15359	81	28	school	school	NOUN
fbem-15359	81	29	,	,	PUNCT
fbem-15359	81	30	senior	senior	ADJ
fbem-15359	81	31	middle	middle	ADJ
fbem-15359	81	32	school	school	NOUN
fbem-15359	81	33	,	,	PUNCT
fbem-15359	81	34	secondary	secondary	ADJ
fbem-15359	81	35	vocational	vocational	ADJ
fbem-15359	81	36	school	school	NOUN
fbem-15359	81	37	,	,	PUNCT
fbem-15359	81	38	junior	junior	ADJ
fbem-15359	81	39	college	college	NOUN
fbem-15359	81	40	,	,	PUNCT
fbem-15359	81	41	undergraduate	undergraduate	NOUN
fbem-15359	81	42	degree	degree	NOUN
fbem-15359	81	43	,	,	PUNCT
fbem-15359	81	44	master	master	NOUN
fbem-15359	81	45	’s	’s	PART
fbem-15359	81	46	degree	degree	NOUN
fbem-15359	81	47	,	,	PUNCT
fbem-15359	81	48	and	and	CCONJ
fbem-15359	81	49	doctoral	doctoral	ADJ
fbem-15359	81	50	degree	degree	NOUN
fbem-15359	81	51	.	.	PUNCT
fbem-15359	82	1	control	control	NOUN
fbem-15359	82	2	variables	variable	NOUN
fbem-15359	82	3	:	:	PUNCT
fbem-15359	82	4	the	the	DET
fbem-15359	82	5	study	study	NOUN
fbem-15359	82	6	incorporates	incorporate	VERB
fbem-15359	82	7	individual	individual	ADJ
fbem-15359	82	8	characteristic	characteristic	ADJ
fbem-15359	82	9	variables	variable	NOUN
fbem-15359	82	10	including	include	VERB
fbem-15359	82	11	age	age	NOUN
fbem-15359	82	12	,	,	PUNCT
fbem-15359	82	13	gender	gender	NOUN
fbem-15359	82	14	,	,	PUNCT
fbem-15359	82	15	marital	marital	ADJ
fbem-15359	82	16	status	status	NOUN
fbem-15359	82	17	,	,	PUNCT
fbem-15359	82	18	and	and	CCONJ
fbem-15359	82	19	health	health	NOUN
fbem-15359	82	20	condition	condition	NOUN
fbem-15359	82	21	.	.	PUNCT
fbem-15359	83	1	in	in	ADP
fbem-15359	83	2	the	the	DET
fbem-15359	83	3	chfs	chfs	NOUN
fbem-15359	83	4	dataset	dataset	NOUN
fbem-15359	83	5	,	,	PUNCT
fbem-15359	83	6	gender	gender	NOUN
fbem-15359	83	7	is	be	AUX
fbem-15359	83	8	encoded	encode	VERB
fbem-15359	83	9	as	as	ADP
fbem-15359	83	10	a	a	DET
fbem-15359	83	11	binary	binary	ADJ
fbem-15359	83	12	variable	variable	NOUN
fbem-15359	83	13	,	,	PUNCT
fbem-15359	83	14	with	with	ADP
fbem-15359	83	15	male	male	NOUN
fbem-15359	83	16	assigned	assign	VERB
fbem-15359	83	17	1	1	NUM
fbem-15359	83	18	and	and	CCONJ
fbem-15359	83	19	female	female	ADJ
fbem-15359	83	20	0	0	NUM
fbem-15359	83	21	.	.	PUNCT
fbem-15359	84	1	age	age	NOUN
fbem-15359	84	2	is	be	AUX
fbem-15359	84	3	quantified	quantify	VERB
fbem-15359	84	4	based	base	VERB
fbem-15359	84	5	on	on	ADP
fbem-15359	84	6	the	the	DET
fbem-15359	84	7	numerical	numerical	ADJ
fbem-15359	84	8	ages	age	NOUN
fbem-15359	84	9	of	of	ADP
fbem-15359	84	10	family	family	NOUN
fbem-15359	84	11	members	member	NOUN
fbem-15359	84	12	.	.	PUNCT
fbem-15359	85	1	marital	marital	ADJ
fbem-15359	85	2	status	status	NOUN
fbem-15359	85	3	is	be	AUX
fbem-15359	85	4	treated	treat	VERB
fbem-15359	85	5	as	as	ADP
fbem-15359	85	6	a	a	DET
fbem-15359	85	7	binary	binary	ADJ
fbem-15359	85	8	variable	variable	NOUN
fbem-15359	85	9	,	,	PUNCT
fbem-15359	85	10	designating	designate	VERB
fbem-15359	85	11	married	marry	VERB
fbem-15359	85	12	individuals	individual	NOUN
fbem-15359	85	13	as	as	ADP
fbem-15359	85	14	1	1	NUM
fbem-15359	85	15	and	and	CCONJ
fbem-15359	85	16	unmarried	unmarried	ADJ
fbem-15359	85	17	as	as	ADP
fbem-15359	85	18	0	0	NUM
fbem-15359	85	19	.	.	PUNCT
fbem-15359	86	1	health	health	NOUN
fbem-15359	86	2	status	status	NOUN
fbem-15359	86	3	is	be	AUX
fbem-15359	86	4	similarly	similarly	ADV
fbem-15359	86	5	dichotomized	dichotomize	VERB
fbem-15359	86	6	,	,	PUNCT
fbem-15359	86	7	with	with	ADP
fbem-15359	86	8	good	good	ADJ
fbem-15359	86	9	health	health	NOUN
fbem-15359	86	10	assigned	assign	VERB
fbem-15359	86	11	1	1	NUM
fbem-15359	86	12	and	and	CCONJ
fbem-15359	86	13	poor	poor	ADJ
fbem-15359	86	14	health	health	NOUN
fbem-15359	86	15	0	0	NUM
fbem-15359	86	16	.	.	PUNCT
fbem-15359	87	1	family	family	NOUN
fbem-15359	87	2	characteristic	characteristic	ADJ
fbem-15359	87	3	variables	variable	NOUN
fbem-15359	87	4	encompass	encompass	VERB
fbem-15359	87	5	factors	factor	NOUN
fbem-15359	87	6	such	such	ADJ
fbem-15359	87	7	as	as	ADP
fbem-15359	87	8	private	private	ADJ
fbem-15359	87	9	business	business	NOUN
fbem-15359	87	10	ownership	ownership	NOUN
fbem-15359	87	11	,	,	PUNCT
fbem-15359	87	12	household	household	NOUN
fbem-15359	87	13	registration	registration	NOUN
fbem-15359	87	14	status	status	NOUN
fbem-15359	87	15	,	,	PUNCT
fbem-15359	87	16	and	and	CCONJ
fbem-15359	87	17	family	family	NOUN
fbem-15359	87	18	size	size	NOUN
fbem-15359	87	19	.	.	PUNCT
fbem-15359	88	1	in	in	ADP
fbem-15359	88	2	the	the	DET
fbem-15359	88	3	chfs	chf	NOUN
fbem-15359	88	4	,	,	PUNCT
fbem-15359	88	5	whether	whether	SCONJ
fbem-15359	88	6	a	a	DET
fbem-15359	88	7	family	family	NOUN
fbem-15359	88	8	member	member	NOUN
fbem-15359	88	9	operates	operate	VERB
fbem-15359	88	10	a	a	DET
fbem-15359	88	11	private	private	ADJ
fbem-15359	88	12	business	business	NOUN
fbem-15359	88	13	is	be	AUX
fbem-15359	88	14	indicated	indicate	VERB
fbem-15359	88	15	,	,	PUNCT
fbem-15359	88	16	with	with	SCONJ
fbem-15359	88	17	families	family	NOUN
fbem-15359	88	18	owning	own	VERB
fbem-15359	88	19	a	a	DET
fbem-15359	88	20	business	business	NOUN
fbem-15359	88	21	coded	code	VERB
fbem-15359	88	22	as	as	ADP
fbem-15359	88	23	1	1	NUM
fbem-15359	88	24	,	,	PUNCT
fbem-15359	88	25	and	and	CCONJ
fbem-15359	88	26	those	those	PRON
fbem-15359	88	27	without	without	ADP
fbem-15359	88	28	as	as	ADP
fbem-15359	88	29	0	0	NUM
fbem-15359	88	30	.	.	PUNCT
fbem-15359	89	1	household	household	NOUN
fbem-15359	89	2	registration	registration	NOUN
fbem-15359	89	3	status	status	NOUN
fbem-15359	89	4	distinguishes	distinguish	VERB
fbem-15359	89	5	between	between	ADP
fbem-15359	89	6	rural	rural	ADJ
fbem-15359	89	7	(	(	PUNCT
fbem-15359	89	8	coded	code	VERB
fbem-15359	89	9	as	as	ADP
fbem-15359	89	10	1	1	NUM
fbem-15359	89	11	)	)	PUNCT
fbem-15359	89	12	and	and	CCONJ
fbem-15359	89	13	urban	urban	ADJ
fbem-15359	89	14	(	(	PUNCT
fbem-15359	89	15	coded	code	VERB
fbem-15359	89	16	as	as	ADP
fbem-15359	89	17	0	0	NUM
fbem-15359	89	18	)	)	PUNCT
fbem-15359	89	19	households	household	NOUN
fbem-15359	89	20	.	.	PUNCT
fbem-15359	90	1	finally	finally	ADV
fbem-15359	90	2	,	,	PUNCT
fbem-15359	90	3	family	family	NOUN
fbem-15359	90	4	size	size	NOUN
fbem-15359	90	5	is	be	AUX
fbem-15359	90	6	determined	determine	VERB
fbem-15359	90	7	by	by	ADP
fbem-15359	90	8	the	the	DET
fbem-15359	90	9	count	count	NOUN
fbem-15359	90	10	of	of	ADP
fbem-15359	90	11	family	family	NOUN
fbem-15359	90	12	members	member	NOUN
fbem-15359	90	13	.	.	PUNCT
fbem-15359	91	1	3.3	3.3	NUM
fbem-15359	91	2	.	.	PUNCT
fbem-15359	92	1	model	model	NOUN
fbem-15359	92	2	establishment	establishment	NOUN
fbem-15359	92	3	based	base	VERB
fbem-15359	92	4	on	on	ADP
fbem-15359	92	5	the	the	DET
fbem-15359	92	6	theoretical	theoretical	ADJ
fbem-15359	92	7	analysis	analysis	NOUN
fbem-15359	92	8	outlined	outline	VERB
fbem-15359	92	9	above	above	ADV
fbem-15359	92	10	,	,	PUNCT
fbem-15359	92	11	this	this	DET
fbem-15359	92	12	study	study	NOUN
fbem-15359	92	13	employs	employ	VERB
fbem-15359	92	14	the	the	DET
fbem-15359	92	15	probit	probit	NOUN
fbem-15359	92	16	model	model	NOUN
fbem-15359	92	17	to	to	PART
fbem-15359	92	18	examine	examine	VERB
fbem-15359	92	19	the	the	DET
fbem-15359	92	20	impact	impact	NOUN
fbem-15359	92	21	of	of	ADP
fbem-15359	92	22	the	the	DET
fbem-15359	92	23	household	household	NOUN
fbem-15359	92	24	head	head	NOUN
fbem-15359	92	25	's	's	PART
fbem-15359	92	26	educational	educational	ADJ
fbem-15359	92	27	level	level	NOUN
fbem-15359	92	28	on	on	ADP
fbem-15359	92	29	family	family	NOUN
fbem-15359	92	30	financial	financial	ADJ
fbem-15359	92	31	asset	asset	NOUN
fbem-15359	92	32	selection	selection	NOUN
fbem-15359	92	33	.	.	PUNCT
fbem-15359	93	1	the	the	DET
fbem-15359	93	2	specific	specific	ADJ
fbem-15359	93	3	model	model	NOUN
fbem-15359	93	4	setup	setup	NOUN
fbem-15359	93	5	is	be	AUX
fbem-15359	93	6	as	as	SCONJ
fbem-15359	93	7	follows	follow	VERB
fbem-15359	93	8	:	:	PUNCT
fbem-15359	93	9	i	i	NOUN
fbem-15359	93	10	0	0	NUM
fbem-15359	93	11	1	1	NUM
fbem-15359	93	12	2	2	NUM
fbem-15359	94	1	i	i	PRON
fbem-15359	94	2	i	i	PRON
fbem-15359	94	3	t	t	VERB
fbem-15359	94	4	ity	ity	PROPN
fbem-15359	94	5	c	c	PROPN
fbem-15359	94	6	c	c	PROPN
fbem-15359	94	7	edu	edu	PROPN
fbem-15359	94	8	c	c	NOUN
fbem-15359	94	9	x	x	PUNCT
fbem-15359	94	10			NOUN
fbem-15359	94	11			NOUN
fbem-15359	94	12			PROPN
fbem-15359	94	13			ADV
fbem-15359	94	14			PRON
fbem-15359	94	15			PROPN
fbem-15359	94	16			PUNCT
fbem-15359	94	17			X
fbem-15359	94	18	(	(	PUNCT
fbem-15359	94	19	1	1	X
fbem-15359	94	20	)	)	PUNCT
fbem-15359	94	21	in	in	ADP
fbem-15359	94	22	model	model	NOUN
fbem-15359	94	23	(	(	PUNCT
fbem-15359	94	24	1	1	NUM
fbem-15359	94	25	)	)	PUNCT
fbem-15359	94	26	,	,	PUNCT
fbem-15359	94	27	iy	iy	PROPN
fbem-15359	94	28	denotes	denote	VERB
fbem-15359	94	29	the	the	DET
fbem-15359	94	30	dependent	dependent	ADJ
fbem-15359	94	31	variable	variable	NOUN
fbem-15359	94	32	,	,	PUNCT
fbem-15359	94	33	signifying	signify	VERB
fbem-15359	94	34	the	the	DET
fbem-15359	94	35	family	family	NOUN
fbem-15359	94	36	's	's	PART
fbem-15359	94	37	choice	choice	NOUN
fbem-15359	94	38	of	of	ADP
fbem-15359	94	39	financial	financial	ADJ
fbem-15359	94	40	assets	asset	NOUN
fbem-15359	94	41	.	.	PUNCT
fbem-15359	95	1	this	this	PRON
fbem-15359	95	2	is	be	AUX
fbem-15359	95	3	quantified	quantify	VERB
fbem-15359	95	4	based	base	VERB
fbem-15359	95	5	on	on	ADP
fbem-15359	95	6	the	the	DET
fbem-15359	95	7	family	family	NOUN
fbem-15359	95	8	's	's	PART
fbem-15359	95	9	engagement	engagement	NOUN
fbem-15359	95	10	in	in	ADP
fbem-15359	95	11	the	the	DET
fbem-15359	95	12	stock	stock	NOUN
fbem-15359	95	13	market	market	NOUN
fbem-15359	95	14	and	and	CCONJ
fbem-15359	95	15	their	their	PRON
fbem-15359	95	16	participation	participation	NOUN
fbem-15359	95	17	in	in	ADP
fbem-15359	95	18	high	high	ADJ
fbem-15359	95	19	-	-	PUNCT
fbem-15359	95	20	risk	risk	NOUN
fbem-15359	95	21	financial	financial	ADJ
fbem-15359	95	22	markets	market	NOUN
fbem-15359	95	23	.	.	PUNCT
fbem-15359	96	1	specifically	specifically	ADV
fbem-15359	96	2	,	,	PUNCT
fbem-15359	96	3	1y	1y	NOUN
fbem-15359	96	4	=	=	SYM
fbem-15359	96	5	1	1	NUM
fbem-15359	96	6	indicates	indicate	VERB
fbem-15359	96	7	active	active	ADJ
fbem-15359	96	8	involvement	involvement	NOUN
fbem-15359	96	9	in	in	ADP
fbem-15359	96	10	the	the	DET
fbem-15359	96	11	stock	stock	NOUN
fbem-15359	96	12	market	market	NOUN
fbem-15359	96	13	,	,	PUNCT
fbem-15359	96	14	while	while	SCONJ
fbem-15359	96	15	1y	1y	NOUN
fbem-15359	96	16	=	=	SYM
fbem-15359	96	17	0	0	NUM
fbem-15359	96	18	represents	represent	VERB
fbem-15359	96	19	non	non	ADJ
fbem-15359	96	20	-	-	NOUN
fbem-15359	96	21	participation	participation	NOUN
fbem-15359	96	22	in	in	ADP
fbem-15359	96	23	either	either	CCONJ
fbem-15359	96	24	stock	stock	NOUN
fbem-15359	96	25	or	or	CCONJ
fbem-15359	96	26	high	high	ADJ
fbem-15359	96	27	-	-	PUNCT
fbem-15359	96	28	risk	risk	NOUN
fbem-15359	96	29	financial	financial	ADJ
fbem-15359	96	30	markets	market	NOUN
fbem-15359	96	31	.	.	PUNCT
fbem-15359	97	1	furthermore	furthermore	ADV
fbem-15359	97	2	,	,	PUNCT
fbem-15359	97	3	2y	2y	PROPN
fbem-15359	97	4	=	=	SYM
fbem-15359	97	5	1	1	NUM
fbem-15359	97	6	signals	signal	VERB
fbem-15359	97	7	the	the	DET
fbem-15359	97	8	family	family	NOUN
fbem-15359	97	9	's	's	PART
fbem-15359	97	10	purchase	purchase	NOUN
fbem-15359	97	11	of	of	ADP
fbem-15359	97	12	commercial	commercial	ADJ
fbem-15359	97	13	insurance	insurance	NOUN
fbem-15359	97	14	,	,	PUNCT
fbem-15359	97	15	and	and	CCONJ
fbem-15359	97	16	2y	2y	PROPN
fbem-15359	97	17	=	=	SYM
fbem-15359	97	18	0	0	NUM
fbem-15359	97	19	indicates	indicate	VERB
fbem-15359	97	20	no	no	DET
fbem-15359	97	21	such	such	ADJ
fbem-15359	97	22	purchase	purchase	NOUN
fbem-15359	97	23	.	.	PUNCT
fbem-15359	98	1	participation	participation	NOUN
fbem-15359	98	2	in	in	ADP
fbem-15359	98	3	high	high	ADJ
fbem-15359	98	4	-	-	PUNCT
fbem-15359	98	5	risk	risk	NOUN
fbem-15359	98	6	financial	financial	ADJ
fbem-15359	98	7	markets	market	NOUN
fbem-15359	98	8	is	be	AUX
fbem-15359	98	9	also	also	ADV
fbem-15359	98	10	marked	mark	VERB
fbem-15359	98	11	by	by	ADP
fbem-15359	98	12	3y	3y	NUM
fbem-15359	98	13	=	=	SYM
fbem-15359	98	14	1	1	NUM
fbem-15359	98	15	,	,	PUNCT
fbem-15359	98	16	with	with	ADP
fbem-15359	98	17	3y	3y	NUM
fbem-15359	98	18	=	=	SYM
fbem-15359	98	19	0	0	NUM
fbem-15359	98	20	suggesting	suggest	VERB
fbem-15359	98	21	nonparticipation	nonparticipation	NOUN
fbem-15359	98	22	.	.	PUNCT
fbem-15359	99	1	the	the	DET
fbem-15359	99	2	variables	variable	NOUN
fbem-15359	99	3	serve	serve	VERB
fbem-15359	99	4	is	be	AUX
fbem-15359	99	5	the	the	DET
fbem-15359	99	6	independent	independent	ADJ
fbem-15359	99	7	variable	variable	NOUN
fbem-15359	99	8	(	(	PUNCT
fbem-15359	99	9	edu	edu	PROPN
fbem-15359	99	10	)	)	PUNCT
fbem-15359	99	11	,	,	PUNCT
fbem-15359	99	12	capturing	capture	VERB
fbem-15359	99	13	the	the	DET
fbem-15359	99	14	educational	educational	ADJ
fbem-15359	99	15	level	level	NOUN
fbem-15359	99	16	of	of	ADP
fbem-15359	99	17	the	the	DET
fbem-15359	99	18	household	household	NOUN
fbem-15359	99	19	head	head	NOUN
fbem-15359	99	20	.	.	PUNCT
fbem-15359	100	1	the	the	DET
fbem-15359	100	2	control	control	NOUN
fbem-15359	100	3	variables	variable	NOUN
fbem-15359	100	4	,	,	PUNCT
fbem-15359	100	5	denoted	denote	VERB
fbem-15359	100	6	ix	ix	ADP
fbem-15359	100	7	include	include	VERB
fbem-15359	100	8	a	a	DET
fbem-15359	100	9	set	set	NOUN
fbem-15359	100	10	of	of	ADP
fbem-15359	100	11	individual	individual	ADJ
fbem-15359	100	12	and	and	CCONJ
fbem-15359	100	13	family	family	NOUN
fbem-15359	100	14	characteristic	characteristic	ADJ
fbem-15359	100	15	variables	variable	NOUN
fbem-15359	100	16	.	.	PUNCT
fbem-15359	101	1	the	the	DET
fbem-15359	101	2	term	term	NOUN
fbem-15359	101	3	i	i	NUM
fbem-15359	101	4	embodies	embody	VERB
fbem-15359	101	5	the	the	DET
fbem-15359	101	6	individual	individual	ADJ
fbem-15359	101	7	fixed	fix	VERB
fbem-15359	101	8	effects	effect	NOUN
fbem-15359	101	9	,	,	PUNCT
fbem-15359	101	10	t	t	NOUN
fbem-15359	101	11	represents	represent	VERB
fbem-15359	101	12	the	the	DET
fbem-15359	101	13	timefixed	timefixe	VERB
fbem-15359	101	14	effects	effect	NOUN
fbem-15359	101	15	,	,	PUNCT
fbem-15359	101	16	and	and	CCONJ
fbem-15359	101	17	it	it	NUM
fbem-15359	101	18	is	be	AUX
fbem-15359	101	19	the	the	DET
fbem-15359	101	20	random	random	ADJ
fbem-15359	101	21	error	error	NOUN
fbem-15359	101	22	component	component	NOUN
fbem-15359	101	23	,	,	PUNCT
fbem-15359	101	24	presumed	presume	VERB
fbem-15359	101	25	to	to	PART
fbem-15359	101	26	adhere	adhere	VERB
fbem-15359	101	27	to	to	ADP
fbem-15359	101	28	a	a	DET
fbem-15359	101	29	normal	normal	ADJ
fbem-15359	101	30	distribution	distribution	NOUN
fbem-15359	101	31	.	.	PUNCT
fbem-15359	102	1	4	4	X
fbem-15359	102	2	.	.	X
fbem-15359	102	3	empirical	empirical	ADJ
fbem-15359	102	4	results	result	NOUN
fbem-15359	102	5	and	and	CCONJ
fbem-15359	102	6	analysis	analysis	NOUN
fbem-15359	102	7	4.1	4.1	NUM
fbem-15359	102	8	.	.	PUNCT
fbem-15359	103	1	analysis	analysis	NOUN
fbem-15359	103	2	of	of	ADP
fbem-15359	103	3	benchmark	benchmark	ADJ
fbem-15359	103	4	regression	regression	NOUN
fbem-15359	103	5	results	result	NOUN
fbem-15359	103	6	table	table	VERB
fbem-15359	103	7	1	1	NUM
fbem-15359	103	8	.	.	PUNCT
fbem-15359	103	9	benchmark	benchmark	NOUN
fbem-15359	103	10	regression	regression	NOUN
fbem-15359	103	11	results	result	NOUN
fbem-15359	103	12	(	(	PUNCT
fbem-15359	103	13	1	1	NUM
fbem-15359	103	14	)	)	PUNCT
fbem-15359	103	15	(	(	PUNCT
fbem-15359	103	16	2	2	NUM
fbem-15359	103	17	)	)	PUNCT
fbem-15359	103	18	(	(	PUNCT
fbem-15359	103	19	3	3	X
fbem-15359	103	20	)	)	PUNCT
fbem-15359	103	21	(	(	PUNCT
fbem-15359	103	22	4	4	NUM
fbem-15359	103	23	)	)	PUNCT
fbem-15359	103	24	(	(	PUNCT
fbem-15359	103	25	5	5	NUM
fbem-15359	103	26	)	)	PUNCT
fbem-15359	103	27	(	(	PUNCT
fbem-15359	103	28	6	6	NUM
fbem-15359	103	29	)	)	PUNCT
fbem-15359	103	30	(	(	PUNCT
fbem-15359	103	31	7	7	NUM
fbem-15359	103	32	)	)	PUNCT
fbem-15359	103	33	(	(	PUNCT
fbem-15359	103	34	8)	8)	NUM
fbem-15359	103	35	edu	edu	NOUN
fbem-15359	103	36	0.031	0.031	NUM
fbem-15359	103	37	*	*	PUNCT
fbem-15359	103	38	*	*	PUNCT
fbem-15359	103	39	*	*	PUNCT
fbem-15359	103	40	0.034	0.034	NUM
fbem-15359	103	41	*	*	PUNCT
fbem-15359	103	42	*	*	PUNCT
fbem-15359	103	43	*	*	PUNCT
fbem-15359	103	44	0.042	0.042	NUM
fbem-15359	103	45	*	*	PUNCT
fbem-15359	103	46	*	*	PUNCT
fbem-15359	103	47	*	*	PUNCT
fbem-15359	103	48	0.046	0.046	NUM
fbem-15359	103	49	*	*	PUNCT
fbem-15359	103	50	*	*	PUNCT
fbem-15359	103	51	*	*	PUNCT
fbem-15359	103	52	0.128	0.128	NUM
fbem-15359	103	53	*	*	PUNCT
fbem-15359	103	54	*	*	PUNCT
fbem-15359	103	55	*	*	PUNCT
fbem-15359	103	56	0.121	0.121	NUM
fbem-15359	103	57	*	*	PUNCT
fbem-15359	103	58	*	*	PUNCT
fbem-15359	103	59	*	*	PUNCT
fbem-15359	103	60	0.159	0.159	NUM
fbem-15359	103	61	*	*	PUNCT
fbem-15359	103	62	*	*	PUNCT
fbem-15359	103	63	*	*	PUNCT
fbem-15359	103	64	0.142	0.142	NUM
fbem-15359	103	65	*	*	PUNCT
fbem-15359	103	66	*	*	PUNCT
fbem-15359	103	67	*	*	PUNCT
fbem-15359	103	68	(	(	PUNCT
fbem-15359	103	69	5.981	5.981	NUM
fbem-15359	103	70	)	)	PUNCT
fbem-15359	103	71	(	(	PUNCT
fbem-15359	103	72	6.175	6.175	NUM
fbem-15359	103	73	)	)	PUNCT
fbem-15359	103	74	(	(	PUNCT
fbem-15359	103	75	5.765	5.765	NUM
fbem-15359	103	76	)	)	PUNCT
fbem-15359	103	77	(	(	PUNCT
fbem-15359	103	78	5.512	5.512	NUM
fbem-15359	103	79	)	)	PUNCT
fbem-15359	103	80	(	(	PUNCT
fbem-15359	103	81	2.896	2.896	NUM
fbem-15359	103	82	)	)	PUNCT
fbem-15359	103	83	(	(	PUNCT
fbem-15359	103	84	1.465	1.465	NUM
fbem-15359	103	85	)	)	PUNCT
fbem-15359	103	86	(	(	PUNCT
fbem-15359	103	87	3.290	3.290	NUM
fbem-15359	103	88	)	)	PUNCT
fbem-15359	103	89	(	(	PUNCT
fbem-15359	103	90	2.896	2.896	NUM
fbem-15359	103	91	)	)	PUNCT
fbem-15359	103	92	gender	gender	NOUN
fbem-15359	103	93	0.052	0.052	NUM
fbem-15359	103	94	*	*	PUNCT
fbem-15359	103	95	0.135	0.135	NUM
fbem-15359	103	96	*	*	PUNCT
fbem-15359	103	97	*	*	PUNCT
fbem-15359	103	98	*	*	PUNCT
fbem-15359	104	1	-0.031	-0.031	NOUN
fbem-15359	104	2	0.125	0.125	NUM
fbem-15359	104	3	*	*	NOUN
fbem-15359	104	4	*	*	PUNCT
fbem-15359	104	5	(	(	PUNCT
fbem-15359	104	6	2.357	2.357	NUM
fbem-15359	104	7	)	)	PUNCT
fbem-15359	104	8	(	(	PUNCT
fbem-15359	104	9	3.213	3.213	NUM
fbem-15359	104	10	)	)	PUNCT
fbem-15359	104	11	(	(	PUNCT
fbem-15359	104	12	-1.255	-1.255	VERB
fbem-15359	104	13	)	)	PUNCT
fbem-15359	104	14	(	(	PUNCT
fbem-15359	104	15	2.211	2.211	NUM
fbem-15359	104	16	)	)	PUNCT
fbem-15359	104	17	age	age	NOUN
fbem-15359	104	18	0.024	0.024	NUM
fbem-15359	104	19	*	*	PUNCT
fbem-15359	104	20	*	*	PUNCT
fbem-15359	104	21	*	*	PUNCT
fbem-15359	105	1	0.015	0.015	NUM
fbem-15359	105	2	*	*	PUNCT
fbem-15359	105	3	*	*	PUNCT
fbem-15359	105	4	*	*	PUNCT
fbem-15359	105	5	0.002	0.002	NUM
fbem-15359	105	6	0.005	0.005	NUM
fbem-15359	105	7	(	(	PUNCT
fbem-15359	105	8	6.84	6.84	NUM
fbem-15359	105	9	)	)	PUNCT
fbem-15359	105	10	(	(	PUNCT
fbem-15359	105	11	6.039	6.039	NUM
fbem-15359	105	12	)	)	PUNCT
fbem-15359	105	13	(	(	PUNCT
fbem-15359	105	14	1.275	1.275	NUM
fbem-15359	105	15	)	)	PUNCT
fbem-15359	105	16	(	(	PUNCT
fbem-15359	105	17	1.258	1.258	NUM
fbem-15359	105	18	)	)	PUNCT
fbem-15359	105	19	marry	marry	VERB
fbem-15359	105	20	0.119	0.119	NUM
fbem-15359	105	21	*	*	PUNCT
fbem-15359	105	22	*	*	PUNCT
fbem-15359	105	23	*	*	PUNCT
fbem-15359	105	24	0.332	0.332	NUM
fbem-15359	105	25	*	*	PUNCT
fbem-15359	105	26	*	*	PUNCT
fbem-15359	105	27	*	*	PUNCT
fbem-15359	105	28	0.059	0.059	NUM
fbem-15359	105	29	*	*	PUNCT
fbem-15359	105	30	*	*	PUNCT
fbem-15359	105	31	0.061	0.061	NUM
fbem-15359	105	32	*	*	PUNCT
fbem-15359	105	33	*	*	PUNCT
fbem-15359	105	34	(	(	PUNCT
fbem-15359	105	35	6.32	6.32	NUM
fbem-15359	105	36	)	)	PUNCT
fbem-15359	105	37	(	(	PUNCT
fbem-15359	105	38	5.098	5.098	NUM
fbem-15359	105	39	)	)	PUNCT
fbem-15359	105	40	(	(	PUNCT
fbem-15359	105	41	2.066	2.066	NUM
fbem-15359	105	42	)	)	PUNCT
fbem-15359	105	43	(	(	PUNCT
fbem-15359	105	44	1.066	1.066	NUM
fbem-15359	105	45	)	)	PUNCT
fbem-15359	105	46	health	health	NOUN
fbem-15359	105	47	0.121	0.121	NUM
fbem-15359	105	48	*	*	PUNCT
fbem-15359	105	49	*	*	PUNCT
fbem-15359	105	50	*	*	PUNCT
fbem-15359	105	51	0.054	0.054	NUM
fbem-15359	105	52	0.247	0.247	NUM
fbem-15359	105	53	*	*	PUNCT
fbem-15359	105	54	*	*	PUNCT
fbem-15359	105	55	*	*	PUNCT
fbem-15359	105	56	0.347	0.347	NUM
fbem-15359	105	57	*	*	PUNCT
fbem-15359	105	58	*	*	PUNCT
fbem-15359	105	59	*	*	PUNCT
fbem-15359	105	60	(	(	PUNCT
fbem-15359	105	61	3.857	3.857	NUM
fbem-15359	105	62	)	)	PUNCT
fbem-15359	105	63	(	(	PUNCT
fbem-15359	105	64	1.214	1.214	NUM
fbem-15359	105	65	)	)	PUNCT
fbem-15359	105	66	(	(	PUNCT
fbem-15359	105	67	9.155	9.155	NUM
fbem-15359	105	68	)	)	PUNCT
fbem-15359	105	69	(	(	PUNCT
fbem-15359	105	70	6.544	6.544	NUM
fbem-15359	105	71	)	)	PUNCT
fbem-15359	105	72	prop	prop	NOUN
fbem-15359	105	73	-0.112	-0.112	NOUN
fbem-15359	105	74	*	*	PUNCT
fbem-15359	105	75	-0.146	-0.146	PROPN
fbem-15359	105	76	*	*	NOUN
fbem-15359	105	77	0.032	0.032	NUM
fbem-15359	105	78	0.035	0.035	NUM
fbem-15359	105	79	(	(	PUNCT
fbem-15359	105	80	-1.897	-1.897	PROPN
fbem-15359	105	81	)	)	PUNCT
fbem-15359	105	82	(	(	PUNCT
fbem-15359	105	83	-1.892	-1.892	NOUN
fbem-15359	105	84	)	)	PUNCT
fbem-15359	105	85	(	(	PUNCT
fbem-15359	105	86	0.735	0.735	NUM
fbem-15359	105	87	)	)	PUNCT
fbem-15359	105	88	(	(	PUNCT
fbem-15359	105	89	0.614	0.614	NUM
fbem-15359	105	90	)	)	PUNCT
fbem-15359	105	91	scale	scale	NOUN
fbem-15359	105	92	-0.098	-0.098	PUNCT
fbem-15359	105	93	*	*	PUNCT
fbem-15359	105	94	*	*	PUNCT
fbem-15359	105	95	*	*	PUNCT
fbem-15359	105	96	-0.111	-0.111	X
fbem-15359	105	97	*	*	PUNCT
fbem-15359	105	98	*	*	PUNCT
fbem-15359	105	99	*	*	PUNCT
fbem-15359	105	100	0.041	0.041	NUM
fbem-15359	105	101	*	*	PUNCT
fbem-15359	105	102	*	*	PUNCT
fbem-15359	105	103	*	*	PUNCT
fbem-15359	105	104	0.046	0.046	NUM
fbem-15359	105	105	*	*	PUNCT
fbem-15359	105	106	*	*	PUNCT
fbem-15359	105	107	*	*	PUNCT
fbem-15359	105	108	(	(	PUNCT
fbem-15359	105	109	-7.561	-7.561	PROPN
fbem-15359	105	110	)	)	PUNCT
fbem-15359	105	111	(	(	PUNCT
fbem-15359	105	112	-6.109	-6.109	ADV
fbem-15359	105	113	)	)	PUNCT
fbem-15359	105	114	(	(	PUNCT
fbem-15359	105	115	-3.689	-3.689	NOUN
fbem-15359	105	116	)	)	PUNCT
fbem-15359	105	117	(	(	PUNCT
fbem-15359	105	118	-5.236	-5.236	X
fbem-15359	105	119	)	)	PUNCT
fbem-15359	105	120	urban	urban	ADJ
fbem-15359	105	121	-0.139	-0.139	PUNCT
fbem-15359	105	122	*	*	PUNCT
fbem-15359	105	123	*	*	PUNCT
fbem-15359	105	124	*	*	PUNCT
fbem-15359	105	125	0.173	0.173	NUM
fbem-15359	105	126	*	*	PUNCT
fbem-15359	105	127	*	*	PUNCT
fbem-15359	105	128	*	*	PUNCT
fbem-15359	105	129	0.159	0.159	NUM
fbem-15359	105	130	*	*	PUNCT
fbem-15359	105	131	*	*	PUNCT
fbem-15359	105	132	*	*	PUNCT
fbem-15359	105	133	0.174	0.174	NUM
fbem-15359	105	134	*	*	PUNCT
fbem-15359	105	135	*	*	PUNCT
fbem-15359	105	136	*	*	PUNCT
fbem-15359	105	137	(	(	PUNCT
fbem-15359	105	138	-4.897	-4.897	INTJ
fbem-15359	105	139	)	)	PUNCT
fbem-15359	105	140	(	(	PUNCT
fbem-15359	105	141	-4.161	-4.161	NUM
fbem-15359	105	142	)	)	PUNCT
fbem-15359	105	143	(	(	PUNCT
fbem-15359	105	144	-5.421	-5.421	NOUN
fbem-15359	105	145	)	)	PUNCT
fbem-15359	105	146	(	(	PUNCT
fbem-15359	105	147	-5.553	-5.553	NOUN
fbem-15359	105	148	)	)	PUNCT
fbem-15359	105	149	risk	risk	NOUN
fbem-15359	105	150	0.115	0.115	NUM
fbem-15359	105	151	*	*	PUNCT
fbem-15359	105	152	*	*	PUNCT
fbem-15359	105	153	*	*	PUNCT
fbem-15359	106	1	0.109	0.109	NUM
fbem-15359	106	2	*	*	PUNCT
fbem-15359	106	3	*	*	PUNCT
fbem-15359	106	4	*	*	PUNCT
fbem-15359	106	5	(	(	PUNCT
fbem-15359	106	6	5.312	5.312	NUM
fbem-15359	106	7	)	)	PUNCT
fbem-15359	106	8	(	(	PUNCT
fbem-15359	106	9	5.092	5.092	NUM
fbem-15359	106	10	)	)	PUNCT
fbem-15359	106	11	edu	edu	NOUN
fbem-15359	106	12	*	*	PUNCT
fbem-15359	106	13	risk	risk	VERB
fbem-15359	106	14	0.178	0.178	NUM
fbem-15359	106	15	*	*	PUNCT
fbem-15359	106	16	*	*	X
fbem-15359	106	17	0.187	0.187	NUM
fbem-15359	106	18	*	*	PUNCT
fbem-15359	106	19	*	*	PUNCT
fbem-15359	106	20	(	(	PUNCT
fbem-15359	106	21	2.251	2.251	NUM
fbem-15359	106	22	)	)	PUNCT
fbem-15359	106	23	(	(	PUNCT
fbem-15359	106	24	2.469	2.469	NUM
fbem-15359	106	25	)	)	PUNCT
fbem-15359	106	26	individual	individual	ADJ
fbem-15359	106	27	/	/	SYM
fbem-15359	106	28	time	time	NOUN
fbem-15359	106	29	effect	effect	NOUN
fbem-15359	107	1	yes	yes	INTJ
fbem-15359	107	2	yes	yes	INTJ
fbem-15359	108	1	yes	yes	INTJ
fbem-15359	109	1	yes	yes	INTJ
fbem-15359	110	1	yes	yes	INTJ
fbem-15359	111	1	yes	yes	INTJ
fbem-15359	112	1	yes	yes	INTJ
fbem-15359	113	1	yes	yes	INTJ
fbem-15359	114	1	n	n	NUM
fbem-15359	114	2	19336	19336	NUM
fbem-15359	114	3	19336	19336	NUM
fbem-15359	114	4	19336	19336	NUM
fbem-15359	114	5	19336	19336	NUM
fbem-15359	114	6	19336	19336	NUM
fbem-15359	114	7	19336	19336	NUM
fbem-15359	114	8	18234	18234	NUM
fbem-15359	114	9	18234	18234	NUM
fbem-15359	114	10	8	8	NUM
fbem-15359	114	11	in	in	ADP
fbem-15359	114	12	table	table	NOUN
fbem-15359	114	13	1	1	NUM
fbem-15359	115	1	,	,	PUNCT
fbem-15359	115	2	columns	column	NOUN
fbem-15359	115	3	(	(	PUNCT
fbem-15359	115	4	1	1	NUM
fbem-15359	115	5	)	)	PUNCT
fbem-15359	115	6	through	through	ADP
fbem-15359	115	7	(	(	PUNCT
fbem-15359	115	8	6	6	NUM
fbem-15359	115	9	)	)	PUNCT
fbem-15359	115	10	display	display	VERB
fbem-15359	115	11	the	the	DET
fbem-15359	115	12	probit	probit	NOUN
fbem-15359	115	13	model	model	NOUN
fbem-15359	115	14	's	's	PART
fbem-15359	115	15	estimation	estimation	NOUN
fbem-15359	115	16	outcomes	outcome	NOUN
fbem-15359	115	17	.	.	PUNCT
fbem-15359	116	1	the	the	DET
fbem-15359	116	2	results	result	NOUN
fbem-15359	116	3	consistently	consistently	ADV
fbem-15359	116	4	reveal	reveal	VERB
fbem-15359	116	5	a	a	DET
fbem-15359	116	6	positive	positive	ADJ
fbem-15359	116	7	and	and	CCONJ
fbem-15359	116	8	statistically	statistically	ADV
fbem-15359	116	9	significant	significant	ADJ
fbem-15359	116	10	relationship	relationship	NOUN
fbem-15359	116	11	between	between	ADP
fbem-15359	116	12	the	the	DET
fbem-15359	116	13	educational	educational	ADJ
fbem-15359	116	14	level	level	NOUN
fbem-15359	116	15	of	of	ADP
fbem-15359	116	16	the	the	DET
fbem-15359	116	17	household	household	NOUN
fbem-15359	116	18	head	head	NOUN
fbem-15359	116	19	and	and	CCONJ
fbem-15359	116	20	the	the	DET
fbem-15359	116	21	family	family	NOUN
fbem-15359	116	22	's	's	PART
fbem-15359	116	23	participation	participation	NOUN
fbem-15359	116	24	in	in	ADP
fbem-15359	116	25	financial	financial	ADJ
fbem-15359	116	26	markets	market	NOUN
fbem-15359	116	27	,	,	PUNCT
fbem-15359	116	28	irrespective	irrespective	ADV
fbem-15359	116	29	of	of	ADP
fbem-15359	116	30	the	the	DET
fbem-15359	116	31	inclusion	inclusion	NOUN
fbem-15359	116	32	of	of	ADP
fbem-15359	116	33	control	control	NOUN
fbem-15359	116	34	variables	variable	NOUN
fbem-15359	116	35	.	.	PUNCT
fbem-15359	117	1	this	this	PRON
fbem-15359	117	2	indicates	indicate	VERB
fbem-15359	117	3	that	that	SCONJ
fbem-15359	117	4	heads	head	NOUN
fbem-15359	117	5	of	of	ADP
fbem-15359	117	6	households	household	NOUN
fbem-15359	117	7	with	with	ADP
fbem-15359	117	8	higher	high	ADJ
fbem-15359	117	9	educational	educational	ADJ
fbem-15359	117	10	attainments	attainment	NOUN
fbem-15359	117	11	are	be	AUX
fbem-15359	117	12	more	more	ADV
fbem-15359	117	13	actively	actively	ADV
fbem-15359	117	14	involved	involve	VERB
fbem-15359	117	15	in	in	ADP
fbem-15359	117	16	the	the	DET
fbem-15359	117	17	stock	stock	NOUN
fbem-15359	117	18	market	market	NOUN
fbem-15359	117	19	,	,	PUNCT
fbem-15359	117	20	commercial	commercial	ADJ
fbem-15359	117	21	insurance	insurance	NOUN
fbem-15359	117	22	market	market	NOUN
fbem-15359	117	23	,	,	PUNCT
fbem-15359	117	24	and	and	CCONJ
fbem-15359	117	25	high	high	ADJ
fbem-15359	117	26	-	-	PUNCT
fbem-15359	117	27	risk	risk	NOUN
fbem-15359	117	28	financial	financial	ADJ
fbem-15359	117	29	markets	market	NOUN
fbem-15359	117	30	.	.	PUNCT
fbem-15359	118	1	a	a	DET
fbem-15359	118	2	noteworthy	noteworthy	ADJ
fbem-15359	118	3	aspect	aspect	NOUN
fbem-15359	118	4	is	be	AUX
fbem-15359	118	5	the	the	DET
fbem-15359	118	6	significant	significant	ADJ
fbem-15359	118	7	positive	positive	ADJ
fbem-15359	118	8	impact	impact	NOUN
fbem-15359	118	9	of	of	ADP
fbem-15359	118	10	purchasing	purchase	VERB
fbem-15359	118	11	commercial	commercial	ADJ
fbem-15359	118	12	insurance	insurance	NOUN
fbem-15359	118	13	at	at	ADP
fbem-15359	118	14	the	the	DET
fbem-15359	118	15	1	1	NUM
fbem-15359	118	16	%	%	NOUN
fbem-15359	118	17	confidence	confidence	NOUN
fbem-15359	118	18	interval	interval	NOUN
fbem-15359	118	19	.	.	PUNCT
fbem-15359	119	1	this	this	DET
fbem-15359	119	2	finding	find	VERB
fbem-15359	119	3	highlights	highlight	NOUN
fbem-15359	119	4	that	that	PRON
fbem-15359	119	5	respondents	respondent	NOUN
fbem-15359	119	6	with	with	ADP
fbem-15359	119	7	higher	high	ADJ
fbem-15359	119	8	educational	educational	ADJ
fbem-15359	119	9	levels	level	NOUN
fbem-15359	119	10	are	be	AUX
fbem-15359	119	11	less	less	ADV
fbem-15359	119	12	inclined	inclined	ADJ
fbem-15359	119	13	towards	towards	ADP
fbem-15359	119	14	passive	passive	ADJ
fbem-15359	119	15	retirement	retirement	NOUN
fbem-15359	119	16	strategies	strategy	NOUN
fbem-15359	119	17	,	,	PUNCT
fbem-15359	119	18	such	such	ADJ
fbem-15359	119	19	as	as	ADP
fbem-15359	119	20	relying	rely	VERB
fbem-15359	119	21	on	on	ADP
fbem-15359	119	22	children	child	NOUN
fbem-15359	119	23	or	or	CCONJ
fbem-15359	119	24	government	government	NOUN
fbem-15359	119	25	subsidies	subsidy	NOUN
fbem-15359	119	26	for	for	ADP
fbem-15359	119	27	retirement	retirement	NOUN
fbem-15359	119	28	funding	funding	NOUN
fbem-15359	119	29	.	.	PUNCT
fbem-15359	120	1	instead	instead	ADV
fbem-15359	120	2	,	,	PUNCT
fbem-15359	120	3	they	they	PRON
fbem-15359	120	4	favor	favor	VERB
fbem-15359	120	5	a	a	DET
fbem-15359	120	6	more	more	ADV
fbem-15359	120	7	proactive	proactive	ADJ
fbem-15359	120	8	approach	approach	NOUN
fbem-15359	120	9	,	,	PUNCT
fbem-15359	120	10	opting	opt	VERB
fbem-15359	120	11	for	for	ADP
fbem-15359	120	12	commercial	commercial	ADJ
fbem-15359	120	13	insurance	insurance	NOUN
fbem-15359	120	14	to	to	PART
fbem-15359	120	15	secure	secure	VERB
fbem-15359	120	16	retirement	retirement	NOUN
fbem-15359	120	17	finances	finance	NOUN
fbem-15359	120	18	.	.	PUNCT
fbem-15359	121	1	4.2	4.2	NUM
fbem-15359	121	2	.	.	PUNCT
fbem-15359	122	1	the	the	DET
fbem-15359	122	2	influence	influence	NOUN
fbem-15359	122	3	of	of	ADP
fbem-15359	122	4	risk	risk	NOUN
fbem-15359	122	5	attitude	attitude	NOUN
fbem-15359	122	6	to	to	PART
fbem-15359	122	7	investigate	investigate	VERB
fbem-15359	122	8	the	the	DET
fbem-15359	122	9	influence	influence	NOUN
fbem-15359	122	10	of	of	ADP
fbem-15359	122	11	risk	risk	NOUN
fbem-15359	122	12	attitude	attitude	NOUN
fbem-15359	122	13	on	on	ADP
fbem-15359	122	14	the	the	DET
fbem-15359	122	15	selection	selection	NOUN
fbem-15359	122	16	of	of	ADP
fbem-15359	122	17	family	family	NOUN
fbem-15359	122	18	financial	financial	ADJ
fbem-15359	122	19	assets	asset	NOUN
fbem-15359	122	20	,	,	PUNCT
fbem-15359	122	21	this	this	DET
fbem-15359	122	22	paper	paper	NOUN
fbem-15359	122	23	utilizes	utilize	VERB
fbem-15359	122	24	the	the	DET
fbem-15359	122	25	interaction	interaction	NOUN
fbem-15359	122	26	term	term	NOUN
fbem-15359	122	27	approach	approach	NOUN
fbem-15359	122	28	,	,	PUNCT
fbem-15359	122	29	a	a	DET
fbem-15359	122	30	methodology	methodology	NOUN
fbem-15359	122	31	frequently	frequently	ADV
fbem-15359	122	32	employed	employ	VERB
fbem-15359	122	33	in	in	ADP
fbem-15359	122	34	academic	academic	ADJ
fbem-15359	122	35	research	research	NOUN
fbem-15359	122	36	.	.	PUNCT
fbem-15359	123	1	this	this	PRON
fbem-15359	123	2	involves	involve	VERB
fbem-15359	123	3	augmenting	augment	VERB
fbem-15359	123	4	the	the	DET
fbem-15359	123	5	baseline	baseline	NOUN
fbem-15359	123	6	estimation	estimation	NOUN
fbem-15359	123	7	model	model	NOUN
fbem-15359	123	8	(	(	PUNCT
fbem-15359	123	9	1	1	NUM
fbem-15359	123	10	)	)	PUNCT
fbem-15359	123	11	by	by	ADP
fbem-15359	123	12	introducing	introduce	VERB
fbem-15359	123	13	an	an	DET
fbem-15359	123	14	interaction	interaction	NOUN
fbem-15359	123	15	term	term	NOUN
fbem-15359	123	16	that	that	PRON
fbem-15359	123	17	combines	combine	VERB
fbem-15359	123	18	the	the	DET
fbem-15359	123	19	risk	risk	NOUN
fbem-15359	123	20	attitude	attitude	NOUN
fbem-15359	123	21	with	with	ADP
fbem-15359	123	22	the	the	DET
fbem-15359	123	23	educational	educational	ADJ
fbem-15359	123	24	level	level	NOUN
fbem-15359	123	25	of	of	ADP
fbem-15359	123	26	the	the	DET
fbem-15359	123	27	household	household	NOUN
fbem-15359	123	28	head	head	NOUN
fbem-15359	123	29	.	.	PUNCT
fbem-15359	124	1	the	the	DET
fbem-15359	124	2	detailed	detailed	ADJ
fbem-15359	124	3	formulation	formulation	NOUN
fbem-15359	124	4	of	of	ADP
fbem-15359	124	5	the	the	DET
fbem-15359	124	6	econometric	econometric	ADJ
fbem-15359	124	7	model	model	NOUN
fbem-15359	124	8	is	be	AUX
fbem-15359	124	9	as	as	SCONJ
fbem-15359	124	10	follows	follow	VERB
fbem-15359	124	11	:	:	PUNCT
fbem-15359	124	12	i	i	NOUN
fbem-15359	124	13	0	0	NUM
fbem-15359	124	14	1	1	NUM
fbem-15359	124	15	2	2	NUM
fbem-15359	124	16	3	3	NUM
fbem-15359	124	17	4	4	NUM
fbem-15359	125	1	i	i	PRON
fbem-15359	125	2	i	i	PRON
fbem-15359	125	3	t	t	VERB
fbem-15359	125	4	ity	ity	PROPN
fbem-15359	125	5	edu	edu	PROPN
fbem-15359	125	6	risk	risk	VERB
fbem-15359	125	7	edu	edu	PROPN
fbem-15359	125	8	risk+	risk+	PROPN
fbem-15359	125	9	x	x	PROPN
fbem-15359	126	1			PROPN
fbem-15359	126	2			PROPN
fbem-15359	126	3			PROPN
fbem-15359	126	4			NOUN
fbem-15359	126	5			NOUN
fbem-15359	126	6			NOUN
fbem-15359	126	7			PROPN
fbem-15359	126	8			VERB
fbem-15359	126	9			PROPN
fbem-15359	126	10			PROPN
fbem-15359	126	11			PROPN
fbem-15359	126	12			PROPN
fbem-15359	126	13			PUNCT
fbem-15359	126	14			X
fbem-15359	126	15	(	(	PUNCT
fbem-15359	126	16	2	2	NUM
fbem-15359	126	17	)	)	PUNCT
fbem-15359	126	18	in	in	ADP
fbem-15359	126	19	this	this	DET
fbem-15359	126	20	model	model	NOUN
fbem-15359	126	21	,	,	PUNCT
fbem-15359	126	22	risk	risk	NOUN
fbem-15359	126	23	represents	represent	VERB
fbem-15359	126	24	risk	risk	NOUN
fbem-15359	126	25	attitude	attitude	NOUN
fbem-15359	126	26	,	,	PUNCT
fbem-15359	126	27	and	and	CCONJ
fbem-15359	126	28	1	1	PROPN
fbem-15359	126	29	is	be	AUX
fbem-15359	126	30	the	the	DET
fbem-15359	126	31	estimated	estimate	VERB
fbem-15359	126	32	coefficient	coefficient	NOUN
fbem-15359	126	33	for	for	ADP
fbem-15359	126	34	the	the	DET
fbem-15359	126	35	interaction	interaction	NOUN
fbem-15359	126	36	term	term	NOUN
fbem-15359	126	37	between	between	ADP
fbem-15359	126	38	the	the	DET
fbem-15359	126	39	household	household	NOUN
fbem-15359	126	40	head	head	NOUN
fbem-15359	126	41	's	's	PART
fbem-15359	126	42	educational	educational	ADJ
fbem-15359	126	43	level	level	NOUN
fbem-15359	126	44	and	and	CCONJ
fbem-15359	126	45	risk	risk	NOUN
fbem-15359	126	46	attitude	attitude	NOUN
fbem-15359	126	47	.	.	PUNCT
fbem-15359	127	1	if	if	SCONJ
fbem-15359	127	2	1	1	PROPN
fbem-15359	127	3	is	be	AUX
fbem-15359	127	4	significantly	significantly	ADV
fbem-15359	127	5	positive	positive	ADJ
fbem-15359	127	6	,	,	PUNCT
fbem-15359	127	7	it	it	PRON
fbem-15359	127	8	indicates	indicate	VERB
fbem-15359	127	9	that	that	SCONJ
fbem-15359	127	10	risk	risk	NOUN
fbem-15359	127	11	attitude	attitude	NOUN
fbem-15359	127	12	significantly	significantly	ADV
fbem-15359	127	13	influences	influence	VERB
fbem-15359	127	14	the	the	DET
fbem-15359	127	15	household	household	NOUN
fbem-15359	127	16	head	head	NOUN
fbem-15359	127	17	's	's	PART
fbem-15359	127	18	financial	financial	ADJ
fbem-15359	127	19	asset	asset	NOUN
fbem-15359	127	20	choices	choice	NOUN
fbem-15359	127	21	.	.	PUNCT
fbem-15359	128	1	the	the	DET
fbem-15359	128	2	study	study	NOUN
fbem-15359	128	3	measures	measure	VERB
fbem-15359	128	4	the	the	DET
fbem-15359	128	5	risk	risk	NOUN
fbem-15359	128	6	attitude	attitude	NOUN
fbem-15359	128	7	variable	variable	ADJ
fbem-15359	128	8	using	use	VERB
fbem-15359	128	9	relevant	relevant	ADJ
fbem-15359	128	10	questions	question	NOUN
fbem-15359	128	11	from	from	ADP
fbem-15359	128	12	the	the	DET
fbem-15359	128	13	chfs	chfs	ADJ
fbem-15359	128	14	questionnaire	questionnaire	NOUN
fbem-15359	128	15	.	.	PUNCT
fbem-15359	129	1	specifically	specifically	ADV
fbem-15359	129	2	,	,	PUNCT
fbem-15359	129	3	risk	risk	NOUN
fbem-15359	129	4	aversion	aversion	NOUN
fbem-15359	129	5	is	be	AUX
fbem-15359	129	6	assigned	assign	VERB
fbem-15359	129	7	a	a	DET
fbem-15359	129	8	value	value	NOUN
fbem-15359	129	9	of	of	ADP
fbem-15359	129	10	0	0	NUM
fbem-15359	129	11	,	,	PUNCT
fbem-15359	129	12	while	while	SCONJ
fbem-15359	129	13	risk	risk	NOUN
fbem-15359	129	14	preference	preference	NOUN
fbem-15359	129	15	is	be	AUX
fbem-15359	129	16	defined	define	VERB
fbem-15359	129	17	as	as	ADP
fbem-15359	129	18	1	1	NUM
fbem-15359	129	19	.	.	PUNCT
fbem-15359	130	1	columns	column	NOUN
fbem-15359	130	2	(	(	PUNCT
fbem-15359	130	3	8)	8)	NUM
fbem-15359	130	4	and	and	CCONJ
fbem-15359	130	5	(	(	PUNCT
fbem-15359	130	6	9	9	NUM
fbem-15359	130	7	)	)	PUNCT
fbem-15359	130	8	of	of	ADP
fbem-15359	130	9	table	table	NOUN
fbem-15359	130	10	1	1	NUM
fbem-15359	130	11	present	present	NOUN
fbem-15359	130	12	the	the	DET
fbem-15359	130	13	estimated	estimate	VERB
fbem-15359	130	14	outcomes	outcome	NOUN
fbem-15359	130	15	regarding	regard	VERB
fbem-15359	130	16	the	the	DET
fbem-15359	130	17	impact	impact	NOUN
fbem-15359	130	18	of	of	ADP
fbem-15359	130	19	risk	risk	NOUN
fbem-15359	130	20	attitude	attitude	NOUN
fbem-15359	130	21	.	.	PUNCT
fbem-15359	131	1	the	the	DET
fbem-15359	131	2	results	result	NOUN
fbem-15359	131	3	indicate	indicate	VERB
fbem-15359	131	4	that	that	SCONJ
fbem-15359	131	5	highly	highly	ADV
fbem-15359	131	6	educated	educate	VERB
fbem-15359	131	7	household	household	NOUN
fbem-15359	131	8	heads	head	NOUN
fbem-15359	131	9	with	with	ADP
fbem-15359	131	10	a	a	DET
fbem-15359	131	11	preference	preference	NOUN
fbem-15359	131	12	for	for	ADP
fbem-15359	131	13	risk	risk	NOUN
fbem-15359	131	14	are	be	AUX
fbem-15359	131	15	more	more	ADV
fbem-15359	131	16	inclined	inclined	ADJ
fbem-15359	131	17	to	to	PART
fbem-15359	131	18	participate	participate	VERB
fbem-15359	131	19	in	in	ADP
fbem-15359	131	20	the	the	DET
fbem-15359	131	21	stock	stock	NOUN
fbem-15359	131	22	market	market	NOUN
fbem-15359	131	23	and	and	CCONJ
fbem-15359	131	24	markets	market	NOUN
fbem-15359	131	25	for	for	ADP
fbem-15359	131	26	high	high	ADJ
fbem-15359	131	27	-	-	PUNCT
fbem-15359	131	28	risk	risk	NOUN
fbem-15359	131	29	assets	asset	NOUN
fbem-15359	131	30	,	,	PUNCT
fbem-15359	131	31	and	and	CCONJ
fbem-15359	131	32	are	be	AUX
fbem-15359	131	33	also	also	ADV
fbem-15359	131	34	more	more	ADV
fbem-15359	131	35	likely	likely	ADJ
fbem-15359	131	36	to	to	PART
fbem-15359	131	37	purchase	purchase	VERB
fbem-15359	131	38	commercial	commercial	ADJ
fbem-15359	131	39	insurance	insurance	NOUN
fbem-15359	131	40	.	.	PUNCT
fbem-15359	132	1	4.3	4.3	NUM
fbem-15359	132	2	.	.	PUNCT
fbem-15359	132	3	robustness	robustness	NOUN
fbem-15359	132	4	test	test	NOUN
fbem-15359	132	5	to	to	PART
fbem-15359	132	6	validate	validate	VERB
fbem-15359	132	7	the	the	DET
fbem-15359	132	8	robustness	robustness	NOUN
fbem-15359	132	9	of	of	ADP
fbem-15359	132	10	the	the	DET
fbem-15359	132	11	aforementioned	aforementioned	ADJ
fbem-15359	132	12	estimations	estimation	NOUN
fbem-15359	132	13	,	,	PUNCT
fbem-15359	132	14	this	this	DET
fbem-15359	132	15	part	part	NOUN
fbem-15359	132	16	of	of	ADP
fbem-15359	132	17	the	the	DET
fbem-15359	132	18	study	study	NOUN
fbem-15359	132	19	undertakes	undertake	VERB
fbem-15359	132	20	a	a	DET
fbem-15359	132	21	robustness	robustness	NOUN
fbem-15359	132	22	test	test	NOUN
fbem-15359	132	23	by	by	ADP
fbem-15359	132	24	altering	alter	VERB
fbem-15359	132	25	the	the	DET
fbem-15359	132	26	measurement	measurement	NOUN
fbem-15359	132	27	metrics	metric	NOUN
fbem-15359	132	28	of	of	ADP
fbem-15359	132	29	crucial	crucial	ADJ
fbem-15359	132	30	variables	variable	NOUN
fbem-15359	132	31	.	.	PUNCT
fbem-15359	133	1	in	in	ADP
fbem-15359	133	2	an	an	DET
fbem-15359	133	3	effort	effort	NOUN
fbem-15359	133	4	to	to	PART
fbem-15359	133	5	circumvent	circumvent	VERB
fbem-15359	133	6	the	the	DET
fbem-15359	133	7	potential	potential	ADJ
fbem-15359	133	8	impact	impact	NOUN
fbem-15359	133	9	of	of	ADP
fbem-15359	133	10	varying	vary	VERB
fbem-15359	133	11	measurement	measurement	NOUN
fbem-15359	133	12	approaches	approach	VERB
fbem-15359	133	13	on	on	ADP
fbem-15359	133	14	the	the	DET
fbem-15359	133	15	results	result	NOUN
fbem-15359	133	16	,	,	PUNCT
fbem-15359	133	17	this	this	DET
fbem-15359	133	18	research	research	NOUN
fbem-15359	133	19	utilizes	utilize	VERB
fbem-15359	133	20	the	the	DET
fbem-15359	133	21	educational	educational	ADJ
fbem-15359	133	22	attainment	attainment	NOUN
fbem-15359	133	23	of	of	ADP
fbem-15359	133	24	the	the	DET
fbem-15359	133	25	father	father	PROPN
fbem-15359	133	26	as	as	ADP
fbem-15359	133	27	an	an	DET
fbem-15359	133	28	alternative	alternative	ADJ
fbem-15359	133	29	measure	measure	NOUN
fbem-15359	133	30	for	for	ADP
fbem-15359	133	31	the	the	DET
fbem-15359	133	32	educational	educational	ADJ
fbem-15359	133	33	level	level	NOUN
fbem-15359	133	34	.	.	PUNCT
fbem-15359	134	1	table	table	NOUN
fbem-15359	134	2	2	2	NUM
fbem-15359	134	3	presents	present	VERB
fbem-15359	134	4	the	the	DET
fbem-15359	134	5	outcomes	outcome	NOUN
fbem-15359	134	6	of	of	ADP
fbem-15359	134	7	this	this	DET
fbem-15359	134	8	robustness	robustness	NOUN
fbem-15359	134	9	analysis	analysis	NOUN
fbem-15359	134	10	,	,	PUNCT
fbem-15359	134	11	which	which	PRON
fbem-15359	134	12	reaffirm	reaffirm	VERB
fbem-15359	134	13	the	the	DET
fbem-15359	134	14	positive	positive	ADJ
fbem-15359	134	15	influence	influence	NOUN
fbem-15359	134	16	of	of	ADP
fbem-15359	134	17	educational	educational	ADJ
fbem-15359	134	18	level	level	NOUN
fbem-15359	134	19	on	on	ADP
fbem-15359	134	20	the	the	DET
fbem-15359	134	21	selection	selection	NOUN
fbem-15359	134	22	of	of	ADP
fbem-15359	134	23	financial	financial	ADJ
fbem-15359	134	24	assets	asset	NOUN
fbem-15359	134	25	,	,	PUNCT
fbem-15359	134	26	thereby	thereby	ADV
fbem-15359	134	27	substantiating	substantiate	VERB
fbem-15359	134	28	the	the	DET
fbem-15359	134	29	stability	stability	NOUN
fbem-15359	134	30	and	and	CCONJ
fbem-15359	134	31	reliability	reliability	NOUN
fbem-15359	134	32	of	of	ADP
fbem-15359	134	33	the	the	DET
fbem-15359	134	34	baseline	baseline	NOUN
fbem-15359	134	35	estimations	estimation	NOUN
fbem-15359	134	36	.	.	PUNCT
fbem-15359	135	1	table	table	NOUN
fbem-15359	135	2	2	2	NUM
fbem-15359	135	3	.	.	PUNCT
fbem-15359	135	4	robustness	robustness	NOUN
fbem-15359	135	5	test	test	NOUN
fbem-15359	135	6	(	(	PUNCT
fbem-15359	135	7	1	1	NUM
fbem-15359	135	8	)	)	PUNCT
fbem-15359	135	9	(	(	PUNCT
fbem-15359	135	10	2	2	NUM
fbem-15359	135	11	)	)	PUNCT
fbem-15359	135	12	(	(	PUNCT
fbem-15359	135	13	3	3	X
fbem-15359	135	14	)	)	PUNCT
fbem-15359	135	15	(	(	PUNCT
fbem-15359	135	16	4	4	NUM
fbem-15359	135	17	)	)	PUNCT
fbem-15359	135	18	(	(	PUNCT
fbem-15359	135	19	5	5	NUM
fbem-15359	135	20	)	)	PUNCT
fbem-15359	135	21	(	(	PUNCT
fbem-15359	135	22	6	6	NUM
fbem-15359	135	23	)	)	PUNCT
fbem-15359	135	24	edu	edu	PROPN
fbem-15359	135	25	0.042	0.042	NUM
fbem-15359	135	26	*	*	PUNCT
fbem-15359	135	27	*	*	PUNCT
fbem-15359	135	28	*	*	PUNCT
fbem-15359	135	29	0.046	0.046	NUM
fbem-15359	135	30	*	*	PUNCT
fbem-15359	135	31	*	*	PUNCT
fbem-15359	135	32	*	*	PUNCT
fbem-15359	135	33	0.035	0.035	NUM
fbem-15359	135	34	*	*	PUNCT
fbem-15359	135	35	*	*	PUNCT
fbem-15359	135	36	*	*	PUNCT
fbem-15359	135	37	0.037	0.037	NUM
fbem-15359	135	38	*	*	PUNCT
fbem-15359	135	39	*	*	PUNCT
fbem-15359	135	40	*	*	PUNCT
fbem-15359	135	41	0.058	0.058	NUM
fbem-15359	135	42	*	*	PUNCT
fbem-15359	135	43	*	*	PUNCT
fbem-15359	135	44	*	*	PUNCT
fbem-15359	135	45	0.066	0.066	NUM
fbem-15359	135	46	*	*	PUNCT
fbem-15359	135	47	*	*	PUNCT
fbem-15359	135	48	*	*	PUNCT
fbem-15359	135	49	(	(	PUNCT
fbem-15359	135	50	2.886	2.886	NUM
fbem-15359	135	51	)	)	PUNCT
fbem-15359	135	52	(	(	PUNCT
fbem-15359	135	53	3.213	3.213	NUM
fbem-15359	135	54	)	)	PUNCT
fbem-15359	135	55	(	(	PUNCT
fbem-15359	135	56	3.567	3.567	NUM
fbem-15359	135	57	)	)	PUNCT
fbem-15359	135	58	(	(	PUNCT
fbem-15359	135	59	3.731	3.731	NUM
fbem-15359	135	60	)	)	PUNCT
fbem-15359	135	61	(	(	PUNCT
fbem-15359	135	62	6.431	6.431	NUM
fbem-15359	135	63	)	)	PUNCT
fbem-15359	135	64	(	(	PUNCT
fbem-15359	135	65	7.951	7.951	NUM
fbem-15359	135	66	)	)	PUNCT
fbem-15359	135	67	control	control	NOUN
fbem-15359	135	68	variables	variable	NOUN
fbem-15359	136	1	no	no	INTJ
fbem-15359	136	2	yes	yes	INTJ
fbem-15359	137	1	no	no	INTJ
fbem-15359	138	1	yes	yes	INTJ
fbem-15359	139	1	no	no	INTJ
fbem-15359	139	2	yes	yes	INTJ
fbem-15359	139	3	individual	individual	ADJ
fbem-15359	139	4	/	/	SYM
fbem-15359	139	5	time	time	NOUN
fbem-15359	139	6	effect	effect	NOUN
fbem-15359	140	1	yes	yes	INTJ
fbem-15359	140	2	yes	yes	INTJ
fbem-15359	141	1	yes	yes	INTJ
fbem-15359	142	1	yes	yes	INTJ
fbem-15359	143	1	yes	yes	INTJ
fbem-15359	144	1	yes	yes	INTJ
fbem-15359	145	1	n	n	NUM
fbem-15359	145	2	19336	19336	NUM
fbem-15359	145	3	19336	19336	NUM
fbem-15359	145	4	19336	19336	NUM
fbem-15359	145	5	19336	19336	NUM
fbem-15359	145	6	19336	19336	NUM
fbem-15359	145	7	19336	19336	NUM
fbem-15359	145	8	5	5	NUM
fbem-15359	145	9	.	.	PUNCT
fbem-15359	145	10	mechanism	mechanism	NOUN
fbem-15359	145	11	test	test	NOUN
fbem-15359	145	12	and	and	CCONJ
fbem-15359	145	13	heterogeneity	heterogeneity	VERB
fbem-15359	145	14	analysis	analysis	NOUN
fbem-15359	145	15	5.1	5.1	NUM
fbem-15359	145	16	.	.	PUNCT
fbem-15359	146	1	mechanism	mechanism	NOUN
fbem-15359	146	2	testing	test	VERB
fbem-15359	146	3	this	this	DET
fbem-15359	146	4	section	section	NOUN
fbem-15359	146	5	is	be	AUX
fbem-15359	146	6	dedicated	dedicate	VERB
fbem-15359	146	7	to	to	PART
fbem-15359	146	8	empirically	empirically	ADV
fbem-15359	146	9	testing	test	VERB
fbem-15359	146	10	the	the	DET
fbem-15359	146	11	mechanisms	mechanism	NOUN
fbem-15359	146	12	proposed	propose	VERB
fbem-15359	146	13	in	in	ADP
fbem-15359	146	14	the	the	DET
fbem-15359	146	15	theoretical	theoretical	ADJ
fbem-15359	146	16	analysis	analysis	NOUN
fbem-15359	146	17	,	,	PUNCT
fbem-15359	146	18	aiming	aim	VERB
fbem-15359	146	19	to	to	PART
fbem-15359	146	20	deepen	deepen	VERB
fbem-15359	146	21	the	the	DET
fbem-15359	146	22	understanding	understanding	NOUN
fbem-15359	146	23	of	of	ADP
fbem-15359	146	24	the	the	DET
fbem-15359	146	25	essential	essential	ADJ
fbem-15359	146	26	patterns	pattern	NOUN
fbem-15359	146	27	through	through	ADP
fbem-15359	146	28	which	which	PRON
fbem-15359	146	29	the	the	DET
fbem-15359	146	30	educational	educational	ADJ
fbem-15359	146	31	level	level	NOUN
fbem-15359	146	32	of	of	ADP
fbem-15359	146	33	the	the	DET
fbem-15359	146	34	household	household	NOUN
fbem-15359	146	35	head	head	NOUN
fbem-15359	146	36	impacts	impact	VERB
fbem-15359	146	37	the	the	DET
fbem-15359	146	38	selection	selection	NOUN
fbem-15359	146	39	of	of	ADP
fbem-15359	146	40	financial	financial	ADJ
fbem-15359	146	41	assets	asset	NOUN
fbem-15359	146	42	.	.	PUNCT
fbem-15359	147	1	in	in	ADP
fbem-15359	147	2	line	line	NOUN
fbem-15359	147	3	with	with	ADP
fbem-15359	147	4	prevalent	prevalent	ADJ
fbem-15359	147	5	methodologies	methodology	NOUN
fbem-15359	147	6	in	in	ADP
fbem-15359	147	7	academic	academic	ADJ
fbem-15359	147	8	research[23	research[23	NOUN
fbem-15359	147	9	]	]	PUNCT
fbem-15359	148	1	[	[	X
fbem-15359	148	2	24	24	NUM
fbem-15359	148	3	]	]	X
fbem-15359	148	4	(	(	PUNCT
fbem-15359	148	5	huang	huang	PROPN
fbem-15359	148	6	qunhui	qunhui	PROPN
fbem-15359	148	7	et	et	PROPN
fbem-15359	148	8	al	al	PROPN
fbem-15359	148	9	.	.	PROPN
fbem-15359	148	10	,	,	PUNCT
fbem-15359	148	11	2019	2019	NUM
fbem-15359	148	12	;	;	PUNCT
fbem-15359	148	13	mao	mao	PROPN
fbem-15359	148	14	qilin	qilin	PROPN
fbem-15359	148	15	,	,	PUNCT
fbem-15359	148	16	2019	2019	NUM
fbem-15359	148	17	)	)	PUNCT
fbem-15359	148	18	,	,	PUNCT
fbem-15359	148	19	the	the	DET
fbem-15359	148	20	study	study	NOUN
fbem-15359	148	21	employs	employ	VERB
fbem-15359	148	22	the	the	DET
fbem-15359	148	23	subsequent	subsequent	ADJ
fbem-15359	148	24	model	model	NOUN
fbem-15359	148	25	for	for	ADP
fbem-15359	148	26	this	this	DET
fbem-15359	148	27	verification	verification	NOUN
fbem-15359	148	28	process	process	NOUN
fbem-15359	148	29	:	:	PUNCT
fbem-15359	149	1	i	i	NOUN
fbem-15359	149	2	0	0	NUM
fbem-15359	149	3	1	1	NUM
fbem-15359	149	4	2	2	NUM
fbem-15359	149	5	i	i	PRON
fbem-15359	149	6	i	i	PRON
fbem-15359	149	7	t	t	VERB
fbem-15359	149	8	itincome	itincome	NOUN
fbem-15359	149	9	m	m	VERB
fbem-15359	149	10	m	m	VERB
fbem-15359	149	11	edu	edu	PROPN
fbem-15359	149	12	m	m	NOUN
fbem-15359	149	13	x	x	NOUN
fbem-15359	149	14			NOUN
fbem-15359	149	15			NOUN
fbem-15359	149	16			PROPN
fbem-15359	149	17			ADV
fbem-15359	149	18			PRON
fbem-15359	149	19			PROPN
fbem-15359	149	20			PUNCT
fbem-15359	149	21			X
fbem-15359	149	22	(	(	PUNCT
fbem-15359	149	23	3	3	X
fbem-15359	149	24	)	)	PUNCT
fbem-15359	149	25	i	i	NOUN
fbem-15359	149	26	0	0	NUM
fbem-15359	149	27	1	1	NUM
fbem-15359	149	28	2	2	NUM
fbem-15359	149	29	3	3	NUM
fbem-15359	149	30	4	4	NUM
fbem-15359	149	31	i	i	PRON
fbem-15359	150	1	i	i	PRON
fbem-15359	150	2	t	t	PROPN
fbem-15359	150	3	itincome	itincome	NOUN
fbem-15359	150	4	edu	edu	PROPN
fbem-15359	150	5	risk	risk	NOUN
fbem-15359	150	6	edu	edu	PROPN
fbem-15359	150	7	risk	risk	VERB
fbem-15359	150	8	x	x	PROPN
fbem-15359	150	9			NUM
fbem-15359	150	10			NUM
fbem-15359	150	11			NUM
fbem-15359	150	12			NUM
fbem-15359	150	13			NOUN
fbem-15359	150	14			NOUN
fbem-15359	150	15			PROPN
fbem-15359	150	16			VERB
fbem-15359	150	17			PROPN
fbem-15359	150	18			PROPN
fbem-15359	150	19			PROPN
fbem-15359	150	20			PROPN
fbem-15359	150	21			PROPN
fbem-15359	150	22			PUNCT
fbem-15359	150	23			X
fbem-15359	150	24	(	(	PUNCT
fbem-15359	150	25	4	4	X
fbem-15359	150	26	)	)	PUNCT
fbem-15359	150	27	equation	equation	NOUN
fbem-15359	150	28	(	(	PUNCT
fbem-15359	150	29	3	3	X
fbem-15359	150	30	)	)	PUNCT
fbem-15359	150	31	conducts	conduct	VERB
fbem-15359	150	32	the	the	DET
fbem-15359	150	33	initial	initial	ADJ
fbem-15359	150	34	level	level	NOUN
fbem-15359	150	35	of	of	ADP
fbem-15359	150	36	analysis	analysis	NOUN
fbem-15359	150	37	,	,	PUNCT
fbem-15359	150	38	investigating	investigate	VERB
fbem-15359	150	39	the	the	DET
fbem-15359	150	40	impact	impact	NOUN
fbem-15359	150	41	mechanism	mechanism	NOUN
fbem-15359	150	42	of	of	ADP
fbem-15359	150	43	family	family	NOUN
fbem-15359	150	44	income	income	NOUN
fbem-15359	150	45	.	.	PUNCT
fbem-15359	151	1	equation	equation	NOUN
fbem-15359	151	2	(	(	PUNCT
fbem-15359	151	3	5	5	X
fbem-15359	151	4	)	)	PUNCT
fbem-15359	151	5	delves	delf	NOUN
fbem-15359	151	6	into	into	ADP
fbem-15359	151	7	the	the	DET
fbem-15359	151	8	second	second	ADJ
fbem-15359	151	9	tier	tier	NOUN
fbem-15359	151	10	of	of	ADP
fbem-15359	151	11	examination	examination	NOUN
fbem-15359	151	12	,	,	PUNCT
fbem-15359	151	13	exploring	explore	VERB
fbem-15359	151	14	the	the	DET
fbem-15359	151	15	joint	joint	ADJ
fbem-15359	151	16	influence	influence	NOUN
fbem-15359	151	17	mechanism	mechanism	NOUN
fbem-15359	151	18	of	of	ADP
fbem-15359	151	19	educational	educational	ADJ
fbem-15359	151	20	level	level	NOUN
fbem-15359	151	21	and	and	CCONJ
fbem-15359	151	22	risk	risk	NOUN
fbem-15359	151	23	attitude	attitude	NOUN
fbem-15359	151	24	.	.	PUNCT
fbem-15359	152	1	the	the	DET
fbem-15359	152	2	focus	focus	NOUN
fbem-15359	152	3	of	of	ADP
fbem-15359	152	4	equation	equation	NOUN
fbem-15359	152	5	(	(	PUNCT
fbem-15359	152	6	4	4	NUM
fbem-15359	152	7	)	)	PUNCT
fbem-15359	152	8	is	be	AUX
fbem-15359	152	9	on	on	ADP
fbem-15359	152	10	1	1	NUM
fbem-15359	152	11	;	;	PUNCT
fbem-15359	152	12	if	if	SCONJ
fbem-15359	152	13	1	1	NUM
fbem-15359	152	14	is	be	AUX
fbem-15359	152	15	statistically	statistically	ADV
fbem-15359	152	16	significant	significant	ADJ
fbem-15359	152	17	,	,	PUNCT
fbem-15359	152	18	it	it	PRON
fbem-15359	152	19	suggests	suggest	VERB
fbem-15359	152	20	that	that	SCONJ
fbem-15359	152	21	both	both	DET
fbem-15359	152	22	risk	risk	NOUN
fbem-15359	152	23	attitude	attitude	NOUN
fbem-15359	152	24	and	and	CCONJ
fbem-15359	152	25	educational	educational	ADJ
fbem-15359	152	26	level	level	NOUN
fbem-15359	152	27	synergistically	synergistically	ADV
fbem-15359	152	28	contribute	contribute	VERB
fbem-15359	152	29	to	to	ADP
fbem-15359	152	30	the	the	DET
fbem-15359	152	31	elevation	elevation	NOUN
fbem-15359	152	32	of	of	ADP
fbem-15359	152	33	family	family	NOUN
fbem-15359	152	34	income	income	NOUN
fbem-15359	152	35	,	,	PUNCT
fbem-15359	152	36	indicating	indicate	VERB
fbem-15359	152	37	a	a	DET
fbem-15359	152	38	combined	combined	ADJ
fbem-15359	152	39	mechanism	mechanism	NOUN
fbem-15359	152	40	where	where	SCONJ
fbem-15359	152	41	the	the	DET
fbem-15359	152	42	household	household	NOUN
fbem-15359	152	43	head	head	NOUN
fbem-15359	152	44	's	's	PART
fbem-15359	152	45	risk	risk	NOUN
fbem-15359	152	46	attitude	attitude	NOUN
fbem-15359	152	47	and	and	CCONJ
fbem-15359	152	48	educational	educational	ADJ
fbem-15359	152	49	level	level	NOUN
fbem-15359	152	50	jointly	jointly	ADV
fbem-15359	152	51	raise	raise	VERB
fbem-15359	152	52	the	the	DET
fbem-15359	152	53	family	family	NOUN
fbem-15359	152	54	's	's	PART
fbem-15359	152	55	income	income	NOUN
fbem-15359	152	56	.	.	PUNCT
fbem-15359	153	1	the	the	DET
fbem-15359	153	2	variable	variable	NOUN
fbem-15359	153	3	of	of	ADP
fbem-15359	153	4	family	family	NOUN
fbem-15359	153	5	income	income	NOUN
fbem-15359	153	6	in	in	ADP
fbem-15359	153	7	this	this	DET
fbem-15359	153	8	study	study	NOUN
fbem-15359	153	9	is	be	AUX
fbem-15359	153	10	quantified	quantify	VERB
fbem-15359	153	11	using	use	VERB
fbem-15359	153	12	the	the	DET
fbem-15359	153	13	logarithm	logarithm	NOUN
fbem-15359	153	14	of	of	ADP
fbem-15359	153	15	the	the	DET
fbem-15359	153	16	total	total	ADJ
fbem-15359	153	17	family	family	NOUN
fbem-15359	153	18	income	income	NOUN
fbem-15359	153	19	.	.	PUNCT
fbem-15359	154	1	according	accord	VERB
fbem-15359	154	2	to	to	ADP
fbem-15359	154	3	columns	column	NOUN
fbem-15359	154	4	(	(	PUNCT
fbem-15359	154	5	1	1	NUM
fbem-15359	154	6	)	)	PUNCT
fbem-15359	154	7	and	and	CCONJ
fbem-15359	154	8	(	(	PUNCT
fbem-15359	154	9	2	2	X
fbem-15359	154	10	)	)	PUNCT
fbem-15359	154	11	of	of	ADP
fbem-15359	154	12	table	table	NOUN
fbem-15359	154	13	3	3	NUM
fbem-15359	154	14	,	,	PUNCT
fbem-15359	154	15	the	the	DET
fbem-15359	154	16	impact	impact	NOUN
fbem-15359	154	17	coefficient	coefficient	NOUN
fbem-15359	154	18	of	of	ADP
fbem-15359	154	19	the	the	DET
fbem-15359	154	20	educational	educational	ADJ
fbem-15359	154	21	level	level	NOUN
fbem-15359	154	22	is	be	AUX
fbem-15359	154	23	positively	positively	ADV
fbem-15359	154	24	significant	significant	ADJ
fbem-15359	154	25	at	at	ADP
fbem-15359	154	26	the	the	DET
fbem-15359	154	27	1	1	NUM
fbem-15359	154	28	%	%	NOUN
fbem-15359	154	29	level	level	NOUN
fbem-15359	154	30	,	,	PUNCT
fbem-15359	154	31	denoting	denote	VERB
fbem-15359	154	32	that	that	SCONJ
fbem-15359	154	33	higher	high	ADJ
fbem-15359	154	34	educational	educational	ADJ
fbem-15359	154	35	levels	level	NOUN
fbem-15359	154	36	correlate	correlate	VERB
fbem-15359	154	37	with	with	ADP
fbem-15359	154	38	increased	increase	VERB
fbem-15359	154	39	total	total	ADJ
fbem-15359	154	40	family	family	NOUN
fbem-15359	154	41	income	income	NOUN
fbem-15359	154	42	.	.	PUNCT
fbem-15359	155	1	this	this	DET
fbem-15359	155	2	result	result	NOUN
fbem-15359	155	3	implies	imply	VERB
fbem-15359	155	4	that	that	SCONJ
fbem-15359	155	5	an	an	DET
fbem-15359	155	6	increase	increase	NOUN
fbem-15359	155	7	in	in	ADP
fbem-15359	155	8	the	the	DET
fbem-15359	155	9	household	household	NOUN
fbem-15359	155	10	head	head	NOUN
fbem-15359	155	11	's	's	PART
fbem-15359	155	12	educational	educational	ADJ
fbem-15359	155	13	level	level	NOUN
fbem-15359	155	14	can	can	AUX
fbem-15359	155	15	lead	lead	VERB
fbem-15359	155	16	to	to	ADP
fbem-15359	155	17	higher	high	ADJ
fbem-15359	155	18	wage	wage	NOUN
fbem-15359	155	19	earnings	earning	NOUN
fbem-15359	155	20	and	and	CCONJ
fbem-15359	155	21	,	,	PUNCT
fbem-15359	155	22	consequently	consequently	ADV
fbem-15359	155	23	,	,	PUNCT
fbem-15359	155	24	an	an	DET
fbem-15359	155	25	overall	overall	ADJ
fbem-15359	155	26	rise	rise	NOUN
fbem-15359	155	27	in	in	ADP
fbem-15359	155	28	family	family	NOUN
fbem-15359	155	29	income	income	NOUN
fbem-15359	155	30	levels	level	NOUN
fbem-15359	155	31	.	.	PUNCT
fbem-15359	156	1	the	the	DET
fbem-15359	156	2	outcomes	outcome	NOUN
fbem-15359	156	3	in	in	ADP
fbem-15359	156	4	columns	column	NOUN
fbem-15359	156	5	(	(	PUNCT
fbem-15359	156	6	3	3	NUM
fbem-15359	156	7	)	)	PUNCT
fbem-15359	156	8	and	and	CCONJ
fbem-15359	156	9	(	(	PUNCT
fbem-15359	156	10	4	4	X
fbem-15359	156	11	)	)	PUNCT
fbem-15359	156	12	show	show	VERB
fbem-15359	156	13	that	that	SCONJ
fbem-15359	156	14	the	the	DET
fbem-15359	156	15	coefficient	coefficient	NOUN
fbem-15359	156	16	of	of	ADP
fbem-15359	156	17	the	the	DET
fbem-15359	156	18	interaction	interaction	NOUN
fbem-15359	156	19	term	term	NOUN
fbem-15359	156	20	(	(	PUNCT
fbem-15359	156	21	edu	edu	PROPN
fbem-15359	156	22	risk	risk	PUNCT
fbem-15359	156	23	)	)	PUNCT
fbem-15359	156	24	remains	remain	VERB
fbem-15359	156	25	positive	positive	ADJ
fbem-15359	156	26	and	and	CCONJ
fbem-15359	156	27	significant	significant	ADJ
fbem-15359	156	28	at	at	ADP
fbem-15359	156	29	the	the	DET
fbem-15359	156	30	1	1	NUM
fbem-15359	156	31	%	%	NOUN
fbem-15359	156	32	level	level	NOUN
fbem-15359	156	33	.	.	PUNCT
fbem-15359	157	1	this	this	PRON
fbem-15359	157	2	indicates	indicate	VERB
fbem-15359	157	3	that	that	SCONJ
fbem-15359	157	4	individuals	individual	NOUN
fbem-15359	157	5	with	with	ADP
fbem-15359	157	6	a	a	DET
fbem-15359	157	7	risk	risk	NOUN
fbem-15359	157	8	-	-	PUNCT
fbem-15359	157	9	prone	prone	ADJ
fbem-15359	157	10	disposition	disposition	NOUN
fbem-15359	157	11	,	,	PUNCT
fbem-15359	157	12	who	who	PRON
fbem-15359	157	13	are	be	AUX
fbem-15359	157	14	more	more	ADV
fbem-15359	157	15	educated	educate	VERB
fbem-15359	157	16	,	,	PUNCT
fbem-15359	157	17	have	have	VERB
fbem-15359	157	18	the	the	DET
fbem-15359	157	19	potential	potential	NOUN
fbem-15359	157	20	to	to	PART
fbem-15359	157	21	generate	generate	VERB
fbem-15359	157	22	more	more	ADJ
fbem-15359	157	23	wealth	wealth	NOUN
fbem-15359	157	24	.	.	PUNCT
fbem-15359	158	1	thus	thus	ADV
fbem-15359	158	2	,	,	PUNCT
fbem-15359	158	3	individuals	individual	NOUN
fbem-15359	158	4	with	with	ADP
fbem-15359	158	5	a	a	DET
fbem-15359	158	6	propensity	propensity	NOUN
fbem-15359	158	7	for	for	ADP
fbem-15359	158	8	risk	risk	NOUN
fbem-15359	158	9	,	,	PUNCT
fbem-15359	158	10	after	after	ADP
fbem-15359	158	11	acquiring	acquire	VERB
fbem-15359	158	12	additional	additional	ADJ
fbem-15359	158	13	knowledge	knowledge	NOUN
fbem-15359	158	14	,	,	PUNCT
fbem-15359	158	15	may	may	AUX
fbem-15359	158	16	be	be	AUX
fbem-15359	158	17	more	more	ADV
fbem-15359	158	18	inclined	inclined	ADJ
fbem-15359	158	19	to	to	PART
fbem-15359	158	20	pursue	pursue	VERB
fbem-15359	158	21	entrepreneurial	entrepreneurial	ADJ
fbem-15359	158	22	ventures	venture	NOUN
fbem-15359	158	23	and	and	CCONJ
fbem-15359	158	24	make	make	VERB
fbem-15359	158	25	financial	financial	ADJ
fbem-15359	158	26	asset	asset	NOUN
fbem-15359	158	27	choices	choice	NOUN
fbem-15359	158	28	,	,	PUNCT
fbem-15359	158	29	leading	lead	VERB
fbem-15359	158	30	to	to	ADP
fbem-15359	158	31	wealth	wealth	NOUN
fbem-15359	158	32	creation	creation	NOUN
fbem-15359	158	33	and	and	CCONJ
fbem-15359	158	34	a	a	DET
fbem-15359	158	35	greater	great	ADJ
fbem-15359	158	36	likelihood	likelihood	NOUN
fbem-15359	158	37	of	of	ADP
fbem-15359	158	38	participating	participate	VERB
fbem-15359	158	39	in	in	ADP
fbem-15359	158	40	high	high	ADJ
fbem-15359	158	41	-	-	PUNCT
fbem-15359	158	42	risk	risk	NOUN
fbem-15359	158	43	financial	financial	ADJ
fbem-15359	158	44	markets	market	NOUN
fbem-15359	158	45	.	.	PUNCT
fbem-15359	159	1	9	9	NUM
fbem-15359	159	2	table	table	NOUN
fbem-15359	159	3	3	3	NUM
fbem-15359	159	4	.	.	PUNCT
fbem-15359	159	5	mechanism	mechanism	NOUN
fbem-15359	159	6	analysis	analysis	NOUN
fbem-15359	159	7	(	(	PUNCT
fbem-15359	159	8	1	1	NUM
fbem-15359	159	9	)	)	PUNCT
fbem-15359	159	10	(	(	PUNCT
fbem-15359	159	11	2	2	NUM
fbem-15359	159	12	)	)	PUNCT
fbem-15359	159	13	(	(	PUNCT
fbem-15359	159	14	3	3	X
fbem-15359	159	15	)	)	PUNCT
fbem-15359	159	16	(	(	PUNCT
fbem-15359	159	17	4	4	X
fbem-15359	159	18	)	)	PUNCT
fbem-15359	159	19	edu	edu	PROPN
fbem-15359	159	20	0.056	0.056	NUM
fbem-15359	159	21	*	*	PUNCT
fbem-15359	159	22	*	*	PUNCT
fbem-15359	159	23	*	*	PUNCT
fbem-15359	159	24	0.043	0.043	NUM
fbem-15359	159	25	*	*	PUNCT
fbem-15359	159	26	*	*	PUNCT
fbem-15359	159	27	*	*	NOUN
fbem-15359	159	28	0.039	0.039	NUM
fbem-15359	159	29	*	*	PUNCT
fbem-15359	159	30	*	*	PUNCT
fbem-15359	159	31	*	*	PUNCT
fbem-15359	159	32	0.025	0.025	NUM
fbem-15359	159	33	*	*	PUNCT
fbem-15359	159	34	*	*	PUNCT
fbem-15359	159	35	*	*	PUNCT
fbem-15359	159	36	(	(	PUNCT
fbem-15359	159	37	2.864	2.864	NUM
fbem-15359	159	38	)	)	PUNCT
fbem-15359	159	39	(	(	PUNCT
fbem-15359	159	40	2.504	2.504	NUM
fbem-15359	159	41	)	)	PUNCT
fbem-15359	159	42	(	(	PUNCT
fbem-15359	159	43	2.667	2.667	NUM
fbem-15359	159	44	)	)	PUNCT
fbem-15359	159	45	(	(	PUNCT
fbem-15359	159	46	2.566	2.566	NUM
fbem-15359	159	47	)	)	PUNCT
fbem-15359	159	48	risk*edu	risk*edu	VERB
fbem-15359	159	49	0.054	0.054	NUM
fbem-15359	159	50	*	*	PUNCT
fbem-15359	159	51	*	*	PUNCT
fbem-15359	159	52	*	*	PUNCT
fbem-15359	159	53	0.047	0.047	NUM
fbem-15359	159	54	*	*	PUNCT
fbem-15359	159	55	*	*	PUNCT
fbem-15359	159	56	*	*	PUNCT
fbem-15359	159	57	(	(	PUNCT
fbem-15359	159	58	6.761	6.761	NUM
fbem-15359	159	59	)	)	PUNCT
fbem-15359	159	60	(	(	PUNCT
fbem-15359	159	61	5.864	5.864	NUM
fbem-15359	159	62	)	)	PUNCT
fbem-15359	159	63	risk	risk	NOUN
fbem-15359	159	64	0.034	0.034	NUM
fbem-15359	159	65	*	*	PUNCT
fbem-15359	159	66	*	*	PUNCT
fbem-15359	159	67	*	*	PUNCT
fbem-15359	159	68	0.024	0.024	NUM
fbem-15359	159	69	*	*	PUNCT
fbem-15359	159	70	*	*	PUNCT
fbem-15359	159	71	*	*	PUNCT
fbem-15359	159	72	(	(	PUNCT
fbem-15359	159	73	2.285	2.285	NUM
fbem-15359	159	74	)	)	PUNCT
fbem-15359	159	75	(	(	PUNCT
fbem-15359	159	76	2.184	2.184	NUM
fbem-15359	159	77	)	)	PUNCT
fbem-15359	159	78	control	control	NOUN
fbem-15359	159	79	variables	variable	NOUN
fbem-15359	160	1	no	no	INTJ
fbem-15359	160	2	yes	yes	INTJ
fbem-15359	161	1	no	no	INTJ
fbem-15359	161	2	yes	yes	INTJ
fbem-15359	161	3	individual	individual	ADJ
fbem-15359	161	4	/	/	SYM
fbem-15359	161	5	time	time	NOUN
fbem-15359	161	6	effect	effect	NOUN
fbem-15359	162	1	yes	yes	INTJ
fbem-15359	162	2	yes	yes	INTJ
fbem-15359	163	1	yes	yes	INTJ
fbem-15359	164	1	yes	yes	INTJ
fbem-15359	165	1	n	n	CCONJ
fbem-15359	165	2	19318	19318	NUM
fbem-15359	165	3	19318	19318	NUM
fbem-15359	165	4	19318	19318	NUM
fbem-15359	166	1	19318	19318	NUM
fbem-15359	166	2	5.2	5.2	NUM
fbem-15359	166	3	.	.	PUNCT
fbem-15359	167	1	heterogeneity	heterogeneity	NOUN
fbem-15359	167	2	analysis	analysis	NOUN
fbem-15359	167	3	given	give	VERB
fbem-15359	167	4	the	the	DET
fbem-15359	167	5	significant	significant	ADJ
fbem-15359	167	6	differences	difference	NOUN
fbem-15359	167	7	in	in	ADP
fbem-15359	167	8	living	living	NOUN
fbem-15359	167	9	standards	standard	NOUN
fbem-15359	167	10	and	and	CCONJ
fbem-15359	167	11	lifestyles	lifestyle	NOUN
fbem-15359	167	12	among	among	ADP
fbem-15359	167	13	families	family	NOUN
fbem-15359	167	14	across	across	ADP
fbem-15359	167	15	various	various	ADJ
fbem-15359	167	16	regions	region	NOUN
fbem-15359	167	17	and	and	CCONJ
fbem-15359	167	18	household	household	NOUN
fbem-15359	167	19	registration	registration	NOUN
fbem-15359	167	20	types	type	NOUN
fbem-15359	167	21	,	,	PUNCT
fbem-15359	167	22	there	there	PRON
fbem-15359	167	23	is	be	VERB
fbem-15359	167	24	a	a	DET
fbem-15359	167	25	potential	potential	NOUN
fbem-15359	167	26	for	for	ADP
fbem-15359	167	27	diverse	diverse	ADJ
fbem-15359	167	28	financial	financial	ADJ
fbem-15359	167	29	asset	asset	NOUN
fbem-15359	167	30	choices	choice	NOUN
fbem-15359	167	31	.	.	PUNCT
fbem-15359	168	1	accordingly	accordingly	ADV
fbem-15359	168	2	,	,	PUNCT
fbem-15359	168	3	this	this	DET
fbem-15359	168	4	paper	paper	NOUN
fbem-15359	168	5	emphasizes	emphasize	VERB
fbem-15359	168	6	examining	examine	VERB
fbem-15359	168	7	the	the	DET
fbem-15359	168	8	heterogeneous	heterogeneous	ADJ
fbem-15359	168	9	impacts	impact	NOUN
fbem-15359	168	10	of	of	ADP
fbem-15359	168	11	the	the	DET
fbem-15359	168	12	household	household	NOUN
fbem-15359	168	13	head	head	NOUN
fbem-15359	168	14	's	's	PART
fbem-15359	168	15	educational	educational	ADJ
fbem-15359	168	16	level	level	NOUN
fbem-15359	168	17	in	in	ADP
fbem-15359	168	18	terms	term	NOUN
fbem-15359	168	19	of	of	ADP
fbem-15359	168	20	regional	regional	ADJ
fbem-15359	168	21	variation	variation	NOUN
fbem-15359	168	22	and	and	CCONJ
fbem-15359	168	23	household	household	NOUN
fbem-15359	168	24	registration	registration	NOUN
fbem-15359	168	25	status	status	NOUN
fbem-15359	168	26	.	.	PUNCT
fbem-15359	169	1	this	this	DET
fbem-15359	169	2	nuanced	nuanced	ADJ
fbem-15359	169	3	analysis	analysis	NOUN
fbem-15359	169	4	is	be	AUX
fbem-15359	169	5	intended	intend	VERB
fbem-15359	169	6	to	to	PART
fbem-15359	169	7	enrich	enrich	VERB
fbem-15359	169	8	the	the	DET
fbem-15359	169	9	understanding	understanding	NOUN
fbem-15359	169	10	of	of	ADP
fbem-15359	169	11	how	how	SCONJ
fbem-15359	169	12	educational	educational	ADJ
fbem-15359	169	13	attainment	attainment	NOUN
fbem-15359	169	14	fundamentally	fundamentally	ADV
fbem-15359	169	15	influences	influence	VERB
fbem-15359	169	16	the	the	DET
fbem-15359	169	17	choice	choice	NOUN
fbem-15359	169	18	of	of	ADP
fbem-15359	169	19	financial	financial	ADJ
fbem-15359	169	20	assets	asset	NOUN
fbem-15359	169	21	.	.	PUNCT
fbem-15359	170	1	5.2.1	5.2.1	X
fbem-15359	170	2	.	.	PUNCT
fbem-15359	170	3	regional	regional	ADJ
fbem-15359	170	4	heterogeneity	heterogeneity	NOUN
fbem-15359	170	5	in	in	ADP
fbem-15359	170	6	effects	effect	NOUN
fbem-15359	170	7	in	in	ADP
fbem-15359	170	8	this	this	DET
fbem-15359	170	9	study	study	NOUN
fbem-15359	170	10	,	,	PUNCT
fbem-15359	170	11	regional	regional	ADJ
fbem-15359	170	12	dummy	dummy	ADJ
fbem-15359	170	13	variables	variable	NOUN
fbem-15359	170	14	are	be	AUX
fbem-15359	170	15	integrated	integrate	VERB
fbem-15359	170	16	into	into	ADP
fbem-15359	170	17	the	the	DET
fbem-15359	170	18	econometric	econometric	ADJ
fbem-15359	170	19	model	model	NOUN
fbem-15359	170	20	(	(	PUNCT
fbem-15359	170	21	1	1	NUM
fbem-15359	170	22	)	)	PUNCT
fbem-15359	170	23	to	to	PART
fbem-15359	170	24	interact	interact	VERB
fbem-15359	170	25	with	with	ADP
fbem-15359	170	26	the	the	DET
fbem-15359	170	27	household	household	NOUN
fbem-15359	170	28	head	head	NOUN
fbem-15359	170	29	's	's	PART
fbem-15359	170	30	educational	educational	ADJ
fbem-15359	170	31	level	level	NOUN
fbem-15359	170	32	,	,	PUNCT
fbem-15359	170	33	aiming	aim	VERB
fbem-15359	170	34	to	to	PART
fbem-15359	170	35	investigate	investigate	VERB
fbem-15359	170	36	whether	whether	SCONJ
fbem-15359	170	37	there	there	PRON
fbem-15359	170	38	are	be	VERB
fbem-15359	170	39	regional	regional	ADJ
fbem-15359	170	40	differences	difference	NOUN
fbem-15359	170	41	in	in	ADP
fbem-15359	170	42	the	the	DET
fbem-15359	170	43	influence	influence	NOUN
fbem-15359	170	44	of	of	ADP
fbem-15359	170	45	increased	increase	VERB
fbem-15359	170	46	educational	educational	ADJ
fbem-15359	170	47	levels	level	NOUN
fbem-15359	170	48	on	on	ADP
fbem-15359	170	49	financial	financial	ADJ
fbem-15359	170	50	asset	asset	NOUN
fbem-15359	170	51	selection	selection	NOUN
fbem-15359	170	52	.	.	PUNCT
fbem-15359	171	1	to	to	ADP
fbem-15359	171	2	this	this	DET
fbem-15359	171	3	end	end	NOUN
fbem-15359	171	4	,	,	PUNCT
fbem-15359	171	5	two	two	NUM
fbem-15359	171	6	specific	specific	ADJ
fbem-15359	171	7	regional	regional	ADJ
fbem-15359	171	8	dummy	dummy	ADJ
fbem-15359	171	9	variables	variable	NOUN
fbem-15359	171	10	are	be	AUX
fbem-15359	171	11	introduced	introduce	VERB
fbem-15359	171	12	:	:	PUNCT
fbem-15359	171	13	one	one	NUM
fbem-15359	171	14	representing	represent	VERB
fbem-15359	171	15	cities	city	NOUN
fbem-15359	171	16	in	in	ADP
fbem-15359	171	17	the	the	DET
fbem-15359	171	18	eastern	eastern	ADJ
fbem-15359	171	19	region	region	NOUN
fbem-15359	171	20	(	(	PUNCT
fbem-15359	171	21	1d	1d	NUM
fbem-15359	171	22	)	)	PUNCT
fbem-15359	171	23	,	,	PUNCT
fbem-15359	171	24	coded	code	VERB
fbem-15359	171	25	as	as	ADP
fbem-15359	171	26	1	1	NUM
fbem-15359	171	27	for	for	ADP
fbem-15359	171	28	these	these	DET
fbem-15359	171	29	cities	city	NOUN
fbem-15359	171	30	and	and	CCONJ
fbem-15359	171	31	0	0	NUM
fbem-15359	171	32	for	for	ADP
fbem-15359	171	33	others	other	NOUN
fbem-15359	171	34	,	,	PUNCT
fbem-15359	171	35	and	and	CCONJ
fbem-15359	171	36	another	another	PRON
fbem-15359	171	37	for	for	ADP
fbem-15359	171	38	capital	capital	NOUN
fbem-15359	171	39	cities	city	NOUN
fbem-15359	171	40	(	(	PUNCT
fbem-15359	171	41	2d	2d	NUM
fbem-15359	171	42	)	)	PUNCT
fbem-15359	171	43	,	,	PUNCT
fbem-15359	171	44	coded	code	VERB
fbem-15359	171	45	as	as	ADP
fbem-15359	171	46	1	1	NUM
fbem-15359	171	47	for	for	ADP
fbem-15359	171	48	provincial	provincial	ADJ
fbem-15359	171	49	capitals	capital	NOUN
fbem-15359	171	50	and	and	CCONJ
fbem-15359	171	51	0	0	NUM
fbem-15359	171	52	for	for	ADP
fbem-15359	171	53	other	other	ADJ
fbem-15359	171	54	prefectural	prefectural	ADJ
fbem-15359	171	55	-	-	PUNCT
fbem-15359	171	56	level	level	NOUN
fbem-15359	171	57	cities	city	NOUN
fbem-15359	171	58	.	.	PUNCT
fbem-15359	172	1	table	table	NOUN
fbem-15359	172	2	4	4	NUM
fbem-15359	172	3	details	detail	NOUN
fbem-15359	172	4	the	the	DET
fbem-15359	172	5	estimated	estimate	VERB
fbem-15359	172	6	outcomes	outcome	NOUN
fbem-15359	172	7	of	of	ADP
fbem-15359	172	8	this	this	DET
fbem-15359	172	9	analysis	analysis	NOUN
fbem-15359	172	10	on	on	ADP
fbem-15359	172	11	regional	regional	ADJ
fbem-15359	172	12	heterogeneity	heterogeneity	NOUN
fbem-15359	172	13	.	.	PUNCT
fbem-15359	173	1	columns	column	NOUN
fbem-15359	173	2	(	(	PUNCT
fbem-15359	173	3	1	1	NUM
fbem-15359	173	4	)	)	PUNCT
fbem-15359	173	5	and	and	CCONJ
fbem-15359	173	6	(	(	PUNCT
fbem-15359	173	7	2	2	X
fbem-15359	173	8	)	)	PUNCT
fbem-15359	173	9	focus	focus	NOUN
fbem-15359	173	10	on	on	ADP
fbem-15359	173	11	the	the	DET
fbem-15359	173	12	interaction	interaction	NOUN
fbem-15359	173	13	term	term	NOUN
fbem-15359	173	14	between	between	ADP
fbem-15359	173	15	the	the	DET
fbem-15359	173	16	educational	educational	ADJ
fbem-15359	173	17	level	level	NOUN
fbem-15359	173	18	of	of	ADP
fbem-15359	173	19	the	the	DET
fbem-15359	173	20	household	household	NOUN
fbem-15359	173	21	head	head	NOUN
fbem-15359	173	22	and	and	CCONJ
fbem-15359	173	23	the	the	DET
fbem-15359	173	24	eastern	eastern	ADJ
fbem-15359	173	25	region	region	NOUN
fbem-15359	173	26	dummy	dummy	ADJ
fbem-15359	173	27	variable	variable	NOUN
fbem-15359	173	28	.	.	PUNCT
fbem-15359	174	1	the	the	DET
fbem-15359	174	2	results	result	NOUN
fbem-15359	174	3	demonstrate	demonstrate	VERB
fbem-15359	174	4	that	that	SCONJ
fbem-15359	174	5	the	the	DET
fbem-15359	174	6	coefficient	coefficient	NOUN
fbem-15359	174	7	1edu	1edu	NUM
fbem-15359	174	8	d	d	PROPN
fbem-15359	174	9	is	be	AUX
fbem-15359	174	10	significantly	significantly	ADV
fbem-15359	174	11	positive	positive	ADJ
fbem-15359	174	12	at	at	ADP
fbem-15359	174	13	the	the	DET
fbem-15359	174	14	1	1	NUM
fbem-15359	174	15	%	%	NOUN
fbem-15359	174	16	level	level	NOUN
fbem-15359	174	17	,	,	PUNCT
fbem-15359	174	18	indicating	indicate	VERB
fbem-15359	174	19	that	that	SCONJ
fbem-15359	174	20	families	family	NOUN
fbem-15359	174	21	in	in	ADP
fbem-15359	174	22	the	the	DET
fbem-15359	174	23	eastern	eastern	ADJ
fbem-15359	174	24	region	region	NOUN
fbem-15359	174	25	are	be	AUX
fbem-15359	174	26	more	more	ADV
fbem-15359	174	27	likely	likely	ADJ
fbem-15359	174	28	to	to	PART
fbem-15359	174	29	engage	engage	VERB
fbem-15359	174	30	in	in	ADP
fbem-15359	174	31	financial	financial	ADJ
fbem-15359	174	32	asset	asset	NOUN
fbem-15359	174	33	choices	choice	NOUN
fbem-15359	174	34	as	as	ADP
fbem-15359	174	35	their	their	PRON
fbem-15359	174	36	educational	educational	ADJ
fbem-15359	174	37	level	level	NOUN
fbem-15359	174	38	increases	increase	NOUN
fbem-15359	174	39	,	,	PUNCT
fbem-15359	174	40	compared	compare	VERB
fbem-15359	174	41	to	to	ADP
fbem-15359	174	42	those	those	PRON
fbem-15359	174	43	in	in	ADP
fbem-15359	174	44	the	the	DET
fbem-15359	174	45	central	central	ADJ
fbem-15359	174	46	and	and	CCONJ
fbem-15359	174	47	western	western	ADJ
fbem-15359	174	48	regions	region	NOUN
fbem-15359	174	49	.	.	PUNCT
fbem-15359	175	1	columns	column	NOUN
fbem-15359	175	2	(	(	PUNCT
fbem-15359	175	3	3	3	NUM
fbem-15359	175	4	)	)	PUNCT
fbem-15359	175	5	and	and	CCONJ
fbem-15359	175	6	(	(	PUNCT
fbem-15359	175	7	4	4	X
fbem-15359	175	8	)	)	PUNCT
fbem-15359	175	9	present	present	ADJ
fbem-15359	175	10	findings	finding	NOUN
fbem-15359	175	11	that	that	PRON
fbem-15359	175	12	,	,	PUNCT
fbem-15359	175	13	upon	upon	SCONJ
fbem-15359	175	14	introducing	introduce	VERB
fbem-15359	175	15	the	the	DET
fbem-15359	175	16	interaction	interaction	NOUN
fbem-15359	175	17	term	term	NOUN
fbem-15359	175	18	between	between	ADP
fbem-15359	175	19	the	the	DET
fbem-15359	175	20	educational	educational	ADJ
fbem-15359	175	21	level	level	NOUN
fbem-15359	175	22	and	and	CCONJ
fbem-15359	175	23	the	the	DET
fbem-15359	175	24	provincial	provincial	ADJ
fbem-15359	175	25	capital	capital	NOUN
fbem-15359	175	26	dummy	dummy	ADJ
fbem-15359	175	27	variable	variable	NOUN
fbem-15359	175	28	,	,	PUNCT
fbem-15359	175	29	the	the	DET
fbem-15359	175	30	coefficient	coefficient	NOUN
fbem-15359	175	31	of	of	ADP
fbem-15359	175	32	2edu	2edu	NUM
fbem-15359	175	33	d	d	X
fbem-15359	175	34	also	also	ADV
fbem-15359	175	35	exhibits	exhibit	VERB
fbem-15359	175	36	a	a	DET
fbem-15359	175	37	significantly	significantly	ADV
fbem-15359	175	38	positive	positive	ADJ
fbem-15359	175	39	effect	effect	NOUN
fbem-15359	175	40	at	at	ADP
fbem-15359	175	41	the	the	DET
fbem-15359	175	42	1	1	NUM
fbem-15359	175	43	%	%	NOUN
fbem-15359	175	44	level	level	NOUN
fbem-15359	175	45	.	.	PUNCT
fbem-15359	176	1	this	this	PRON
fbem-15359	176	2	suggests	suggest	VERB
fbem-15359	176	3	that	that	SCONJ
fbem-15359	176	4	families	family	NOUN
fbem-15359	176	5	in	in	ADP
fbem-15359	176	6	provincial	provincial	ADJ
fbem-15359	176	7	capitals	capital	NOUN
fbem-15359	176	8	are	be	AUX
fbem-15359	176	9	more	more	ADV
fbem-15359	176	10	disposed	disposed	ADJ
fbem-15359	176	11	towards	towards	ADP
fbem-15359	176	12	investing	invest	VERB
fbem-15359	176	13	in	in	ADP
fbem-15359	176	14	risky	risky	ADJ
fbem-15359	176	15	financial	financial	ADJ
fbem-15359	176	16	assets	asset	NOUN
fbem-15359	176	17	.	.	PUNCT
fbem-15359	177	1	5.2.2	5.2.2	NUM
fbem-15359	177	2	.	.	NOUN
fbem-15359	177	3	heterogeneous	heterogeneous	ADJ
fbem-15359	177	4	impacts	impact	NOUN
fbem-15359	177	5	based	base	VERB
fbem-15359	177	6	on	on	ADP
fbem-15359	177	7	household	household	NOUN
fbem-15359	177	8	registration	registration	NOUN
fbem-15359	177	9	types	type	NOUN
fbem-15359	177	10	in	in	ADP
fbem-15359	177	11	this	this	DET
fbem-15359	177	12	research	research	NOUN
fbem-15359	177	13	,	,	PUNCT
fbem-15359	177	14	the	the	DET
fbem-15359	177	15	econometric	econometric	ADJ
fbem-15359	177	16	model	model	NOUN
fbem-15359	177	17	(	(	PUNCT
fbem-15359	177	18	1	1	X
fbem-15359	177	19	)	)	PUNCT
fbem-15359	177	20	is	be	AUX
fbem-15359	177	21	augmented	augment	VERB
fbem-15359	177	22	by	by	ADP
fbem-15359	177	23	incorporating	incorporate	VERB
fbem-15359	177	24	an	an	DET
fbem-15359	177	25	interaction	interaction	NOUN
fbem-15359	177	26	term	term	NOUN
fbem-15359	177	27	between	between	ADP
fbem-15359	177	28	household	household	NOUN
fbem-15359	177	29	registration	registration	NOUN
fbem-15359	177	30	type	type	NOUN
fbem-15359	177	31	dummy	dummy	ADJ
fbem-15359	177	32	variables	variable	NOUN
fbem-15359	177	33	and	and	CCONJ
fbem-15359	177	34	the	the	DET
fbem-15359	177	35	educational	educational	ADJ
fbem-15359	177	36	level	level	NOUN
fbem-15359	177	37	of	of	ADP
fbem-15359	177	38	the	the	DET
fbem-15359	177	39	household	household	NOUN
fbem-15359	177	40	head	head	NOUN
fbem-15359	177	41	.	.	PUNCT
fbem-15359	178	1	this	this	DET
fbem-15359	178	2	approach	approach	NOUN
fbem-15359	178	3	is	be	AUX
fbem-15359	178	4	aimed	aim	VERB
fbem-15359	178	5	at	at	ADP
fbem-15359	178	6	examining	examine	VERB
fbem-15359	178	7	whether	whether	SCONJ
fbem-15359	178	8	there	there	PRON
fbem-15359	178	9	is	be	VERB
fbem-15359	178	10	a	a	DET
fbem-15359	178	11	variance	variance	NOUN
fbem-15359	178	12	in	in	ADP
fbem-15359	178	13	financial	financial	ADJ
fbem-15359	178	14	asset	asset	NOUN
fbem-15359	178	15	selection	selection	NOUN
fbem-15359	178	16	among	among	ADP
fbem-15359	178	17	families	family	NOUN
fbem-15359	178	18	with	with	ADP
fbem-15359	178	19	different	different	ADJ
fbem-15359	178	20	types	type	NOUN
fbem-15359	178	21	of	of	ADP
fbem-15359	178	22	household	household	NOUN
fbem-15359	178	23	registrations	registration	NOUN
fbem-15359	178	24	as	as	SCONJ
fbem-15359	178	25	their	their	PRON
fbem-15359	178	26	educational	educational	ADJ
fbem-15359	178	27	level	level	NOUN
fbem-15359	178	28	rises	rise	NOUN
fbem-15359	178	29	.	.	PUNCT
fbem-15359	179	1	to	to	ADP
fbem-15359	179	2	this	this	DET
fbem-15359	179	3	end	end	NOUN
fbem-15359	179	4	,	,	PUNCT
fbem-15359	179	5	a	a	DET
fbem-15359	179	6	dummy	dummy	ADJ
fbem-15359	179	7	variable	variable	NOUN
fbem-15359	179	8	for	for	ADP
fbem-15359	179	9	household	household	NOUN
fbem-15359	179	10	registration	registration	NOUN
fbem-15359	179	11	is	be	AUX
fbem-15359	179	12	employed	employ	VERB
fbem-15359	179	13	:	:	PUNCT
fbem-15359	179	14	individuals	individual	NOUN
fbem-15359	179	15	with	with	ADP
fbem-15359	179	16	an	an	DET
fbem-15359	179	17	urban	urban	ADJ
fbem-15359	179	18	household	household	NOUN
fbem-15359	179	19	registration	registration	NOUN
fbem-15359	179	20	(	(	PUNCT
fbem-15359	179	21	u	u	NOUN
fbem-15359	179	22	)	)	PUNCT
fbem-15359	179	23	are	be	AUX
fbem-15359	179	24	coded	code	VERB
fbem-15359	179	25	as	as	ADP
fbem-15359	179	26	1	1	NUM
fbem-15359	179	27	,	,	PUNCT
fbem-15359	179	28	and	and	CCONJ
fbem-15359	179	29	those	those	PRON
fbem-15359	179	30	with	with	ADP
fbem-15359	179	31	a	a	DET
fbem-15359	179	32	rural	rural	ADJ
fbem-15359	179	33	registration	registration	NOUN
fbem-15359	179	34	as	as	ADP
fbem-15359	179	35	0	0	NUM
fbem-15359	179	36	.	.	PUNCT
fbem-15359	179	37	columns	column	NOUN
fbem-15359	179	38	(	(	PUNCT
fbem-15359	179	39	5	5	NUM
fbem-15359	179	40	)	)	PUNCT
fbem-15359	179	41	and	and	CCONJ
fbem-15359	179	42	(	(	PUNCT
fbem-15359	179	43	6	6	NUM
fbem-15359	179	44	)	)	PUNCT
fbem-15359	179	45	specifically	specifically	ADV
fbem-15359	179	46	report	report	VERB
fbem-15359	179	47	the	the	DET
fbem-15359	179	48	estimated	estimate	VERB
fbem-15359	179	49	outcomes	outcome	NOUN
fbem-15359	179	50	of	of	ADP
fbem-15359	179	51	incorporating	incorporate	VERB
fbem-15359	179	52	the	the	DET
fbem-15359	179	53	interaction	interaction	NOUN
fbem-15359	179	54	term	term	NOUN
fbem-15359	179	55	between	between	ADP
fbem-15359	179	56	the	the	DET
fbem-15359	179	57	household	household	NOUN
fbem-15359	179	58	registration	registration	NOUN
fbem-15359	179	59	dummy	dummy	ADJ
fbem-15359	179	60	variable	variable	NOUN
fbem-15359	179	61	and	and	CCONJ
fbem-15359	179	62	the	the	DET
fbem-15359	179	63	household	household	NOUN
fbem-15359	179	64	head	head	NOUN
fbem-15359	179	65	's	's	PART
fbem-15359	179	66	educational	educational	ADJ
fbem-15359	179	67	level	level	NOUN
fbem-15359	179	68	.	.	PUNCT
fbem-15359	180	1	the	the	DET
fbem-15359	180	2	findings	finding	NOUN
fbem-15359	180	3	reveal	reveal	VERB
fbem-15359	180	4	that	that	SCONJ
fbem-15359	180	5	the	the	DET
fbem-15359	180	6	coefficient	coefficient	NOUN
fbem-15359	180	7	of	of	ADP
fbem-15359	180	8	edu	edu	PROPN
fbem-15359	180	9	u	u	ADJ
fbem-15359	180	10	is	be	AUX
fbem-15359	180	11	significantly	significantly	ADV
fbem-15359	180	12	positive	positive	ADJ
fbem-15359	180	13	at	at	ADP
fbem-15359	180	14	the	the	DET
fbem-15359	180	15	1	1	NUM
fbem-15359	180	16	%	%	NOUN
fbem-15359	180	17	level	level	NOUN
fbem-15359	180	18	.	.	PUNCT
fbem-15359	181	1	this	this	PRON
fbem-15359	181	2	indicates	indicate	VERB
fbem-15359	181	3	that	that	SCONJ
fbem-15359	181	4	families	family	NOUN
fbem-15359	181	5	with	with	ADP
fbem-15359	181	6	urban	urban	ADJ
fbem-15359	181	7	household	household	NOUN
fbem-15359	181	8	registrations	registration	NOUN
fbem-15359	181	9	are	be	AUX
fbem-15359	181	10	more	more	ADV
fbem-15359	181	11	likely	likely	ADJ
fbem-15359	181	12	to	to	PART
fbem-15359	181	13	engage	engage	VERB
fbem-15359	181	14	in	in	ADP
fbem-15359	181	15	financial	financial	ADJ
fbem-15359	181	16	asset	asset	NOUN
fbem-15359	181	17	selection	selection	NOUN
fbem-15359	181	18	as	as	SCONJ
fbem-15359	181	19	their	their	PRON
fbem-15359	181	20	educational	educational	ADJ
fbem-15359	181	21	level	level	NOUN
fbem-15359	181	22	improves	improve	VERB
fbem-15359	181	23	,	,	PUNCT
fbem-15359	181	24	in	in	ADP
fbem-15359	181	25	comparison	comparison	NOUN
fbem-15359	181	26	to	to	ADP
fbem-15359	181	27	their	their	PRON
fbem-15359	181	28	rural	rural	ADJ
fbem-15359	181	29	counterparts	counterpart	NOUN
fbem-15359	181	30	.	.	PUNCT
fbem-15359	182	1	table	table	NOUN
fbem-15359	182	2	4	4	NUM
fbem-15359	182	3	.	.	PUNCT
fbem-15359	183	1	heterogeneity	heterogeneity	NOUN
fbem-15359	183	2	analysis	analysis	NOUN
fbem-15359	183	3	(	(	PUNCT
fbem-15359	183	4	1	1	NUM
fbem-15359	183	5	)	)	PUNCT
fbem-15359	183	6	(	(	PUNCT
fbem-15359	183	7	2	2	NUM
fbem-15359	183	8	)	)	PUNCT
fbem-15359	183	9	(	(	PUNCT
fbem-15359	183	10	3	3	X
fbem-15359	183	11	)	)	PUNCT
fbem-15359	183	12	(	(	PUNCT
fbem-15359	183	13	4	4	NUM
fbem-15359	183	14	)	)	PUNCT
fbem-15359	183	15	(	(	PUNCT
fbem-15359	183	16	5	5	NUM
fbem-15359	183	17	)	)	PUNCT
fbem-15359	183	18	(	(	PUNCT
fbem-15359	183	19	6	6	X
fbem-15359	183	20	)	)	PUNCT
fbem-15359	183	21	edu	edu	NOUN
fbem-15359	183	22	0.025	0.025	NUM
fbem-15359	183	23	*	*	PUNCT
fbem-15359	183	24	*	*	PUNCT
fbem-15359	183	25	*	*	PUNCT
fbem-15359	183	26	0.025	0.025	NUM
fbem-15359	183	27	*	*	PUNCT
fbem-15359	183	28	*	*	PUNCT
fbem-15359	183	29	*	*	PUNCT
fbem-15359	183	30	0.037	0.037	NUM
fbem-15359	183	31	*	*	PUNCT
fbem-15359	183	32	*	*	PUNCT
fbem-15359	183	33	*	*	PUNCT
fbem-15359	183	34	0.036	0.036	NUM
fbem-15359	183	35	*	*	PUNCT
fbem-15359	183	36	*	*	PUNCT
fbem-15359	183	37	*	*	PUNCT
fbem-15359	183	38	0.029	0.029	NUM
fbem-15359	183	39	*	*	PUNCT
fbem-15359	183	40	*	*	PUNCT
fbem-15359	183	41	*	*	PUNCT
fbem-15359	183	42	0.028	0.028	NUM
fbem-15359	183	43	*	*	NOUN
fbem-15359	183	44	*	*	PUNCT
fbem-15359	183	45	*	*	PUNCT
fbem-15359	183	46	(	(	PUNCT
fbem-15359	183	47	2.153	2.153	NUM
fbem-15359	183	48	)	)	PUNCT
fbem-15359	183	49	(	(	PUNCT
fbem-15359	183	50	2.345	2.345	NUM
fbem-15359	183	51	)	)	PUNCT
fbem-15359	183	52	(	(	PUNCT
fbem-15359	183	53	4.272	4.272	NUM
fbem-15359	183	54	)	)	PUNCT
fbem-15359	183	55	(	(	PUNCT
fbem-15359	183	56	5.189	5.189	NUM
fbem-15359	183	57	)	)	PUNCT
fbem-15359	183	58	(	(	PUNCT
fbem-15359	183	59	4.621	4.621	NUM
fbem-15359	183	60	)	)	PUNCT
fbem-15359	183	61	(	(	PUNCT
fbem-15359	183	62	4.561	4.561	NUM
fbem-15359	183	63	)	)	PUNCT
fbem-15359	183	64	edu*d1	edu*d1	NOUN
fbem-15359	184	1	0.012	0.012	NUM
fbem-15359	184	2	*	*	PUNCT
fbem-15359	184	3	*	*	PUNCT
fbem-15359	184	4	*	*	PUNCT
fbem-15359	184	5	0.008	0.008	NUM
fbem-15359	184	6	*	*	PUNCT
fbem-15359	184	7	*	*	PUNCT
fbem-15359	184	8	*	*	PUNCT
fbem-15359	184	9	(	(	PUNCT
fbem-15359	184	10	6.543	6.543	NUM
fbem-15359	184	11	)	)	PUNCT
fbem-15359	184	12	(	(	PUNCT
fbem-15359	184	13	5.854	5.854	NUM
fbem-15359	184	14	)	)	PUNCT
fbem-15359	184	15	edu*d2	edu*d2	NOUN
fbem-15359	185	1	0.035	0.035	NUM
fbem-15359	185	2	*	*	PUNCT
fbem-15359	185	3	*	*	PUNCT
fbem-15359	185	4	*	*	PUNCT
fbem-15359	185	5	0.041	0.041	NUM
fbem-15359	185	6	*	*	PUNCT
fbem-15359	185	7	*	*	PUNCT
fbem-15359	185	8	*	*	PUNCT
fbem-15359	185	9	(	(	PUNCT
fbem-15359	185	10	5.252	5.252	NUM
fbem-15359	185	11	)	)	PUNCT
fbem-15359	185	12	(	(	PUNCT
fbem-15359	185	13	6.221	6.221	NUM
fbem-15359	185	14	)	)	PUNCT
fbem-15359	185	15	edu*u	edu*u	NOUN
fbem-15359	186	1	0.033	0.033	NUM
fbem-15359	186	2	*	*	PUNCT
fbem-15359	186	3	*	*	PUNCT
fbem-15359	186	4	*	*	PUNCT
fbem-15359	186	5	0.031	0.031	NUM
fbem-15359	186	6	*	*	PUNCT
fbem-15359	186	7	*	*	PUNCT
fbem-15359	186	8	*	*	PUNCT
fbem-15359	186	9	(	(	PUNCT
fbem-15359	186	10	3.206	3.206	NUM
fbem-15359	186	11	)	)	PUNCT
fbem-15359	186	12	(	(	PUNCT
fbem-15359	186	13	3.115	3.115	NUM
fbem-15359	186	14	)	)	PUNCT
fbem-15359	186	15	heterogeneous	heterogeneous	ADJ
fbem-15359	186	16	variable	variable	NOUN
fbem-15359	187	1	yes	yes	INTJ
fbem-15359	187	2	yes	yes	INTJ
fbem-15359	188	1	yes	yes	INTJ
fbem-15359	189	1	yes	yes	INTJ
fbem-15359	190	1	yes	yes	INTJ
fbem-15359	190	2	yes	yes	INTJ
fbem-15359	191	1	control	control	NOUN
fbem-15359	191	2	variables	variable	NOUN
fbem-15359	192	1	no	no	INTJ
fbem-15359	192	2	yes	yes	INTJ
fbem-15359	193	1	no	no	INTJ
fbem-15359	194	1	yes	yes	INTJ
fbem-15359	195	1	no	no	INTJ
fbem-15359	195	2	yes	yes	INTJ
fbem-15359	195	3	individual	individual	ADJ
fbem-15359	195	4	/	/	SYM
fbem-15359	195	5	time	time	NOUN
fbem-15359	195	6	effect	effect	NOUN
fbem-15359	196	1	yes	yes	INTJ
fbem-15359	196	2	yes	yes	INTJ
fbem-15359	197	1	yes	yes	INTJ
fbem-15359	198	1	yes	yes	INTJ
fbem-15359	199	1	yes	yes	INTJ
fbem-15359	200	1	yes	yes	INTJ
fbem-15359	200	2	n	n	NUM
fbem-15359	200	3	19336	19336	NUM
fbem-15359	200	4	19336	19336	NUM
fbem-15359	200	5	19336	19336	NUM
fbem-15359	200	6	19336	19336	NUM
fbem-15359	200	7	19336	19336	NUM
fbem-15359	200	8	19336	19336	NUM
fbem-15359	200	9	10	10	NUM
fbem-15359	200	10	6	6	NUM
fbem-15359	200	11	.	.	PUNCT
fbem-15359	201	1	conclusions	conclusion	NOUN
fbem-15359	201	2	and	and	CCONJ
fbem-15359	201	3	enlightenment	enlightenment	NOUN
fbem-15359	201	4	this	this	DET
fbem-15359	201	5	research	research	NOUN
fbem-15359	201	6	,	,	PUNCT
fbem-15359	201	7	stemming	stem	VERB
fbem-15359	201	8	from	from	ADP
fbem-15359	201	9	the	the	DET
fbem-15359	201	10	pressing	press	VERB
fbem-15359	201	11	need	need	NOUN
fbem-15359	201	12	for	for	ADP
fbem-15359	201	13	diverse	diverse	ADJ
fbem-15359	201	14	financial	financial	ADJ
fbem-15359	201	15	asset	asset	NOUN
fbem-15359	201	16	options	option	NOUN
fbem-15359	201	17	among	among	ADP
fbem-15359	201	18	chinese	chinese	ADJ
fbem-15359	201	19	households	household	NOUN
fbem-15359	201	20	and	and	CCONJ
fbem-15359	201	21	in	in	ADP
fbem-15359	201	22	conjunction	conjunction	NOUN
fbem-15359	201	23	with	with	ADP
fbem-15359	201	24	the	the	DET
fbem-15359	201	25	ongoing	ongoing	ADJ
fbem-15359	201	26	reforms	reform	NOUN
fbem-15359	201	27	in	in	ADP
fbem-15359	201	28	the	the	DET
fbem-15359	201	29	education	education	NOUN
fbem-15359	201	30	system	system	NOUN
fbem-15359	201	31	,	,	PUNCT
fbem-15359	201	32	leverages	leverage	VERB
fbem-15359	201	33	the	the	DET
fbem-15359	201	34	2013	2013	NUM
fbem-15359	201	35	chfs	chfs	NOUN
fbem-15359	201	36	microdata	microdata	NOUN
fbem-15359	201	37	to	to	PART
fbem-15359	201	38	scrutinize	scrutinize	VERB
fbem-15359	201	39	the	the	DET
fbem-15359	201	40	influence	influence	NOUN
fbem-15359	201	41	of	of	ADP
fbem-15359	201	42	household	household	NOUN
fbem-15359	201	43	heads	head	NOUN
fbem-15359	201	44	'	'	PART
fbem-15359	201	45	educational	educational	ADJ
fbem-15359	201	46	levels	level	NOUN
fbem-15359	201	47	on	on	ADP
fbem-15359	201	48	family	family	NOUN
fbem-15359	201	49	financial	financial	ADJ
fbem-15359	201	50	decision	decision	NOUN
fbem-15359	201	51	-	-	PUNCT
fbem-15359	201	52	making	making	NOUN
fbem-15359	201	53	.	.	PUNCT
fbem-15359	202	1	the	the	DET
fbem-15359	202	2	empirical	empirical	ADJ
fbem-15359	202	3	findings	finding	NOUN
fbem-15359	202	4	corroborate	corroborate	VERB
fbem-15359	202	5	the	the	DET
fbem-15359	202	6	theoretical	theoretical	ADJ
fbem-15359	202	7	proposition	proposition	NOUN
fbem-15359	202	8	that	that	SCONJ
fbem-15359	202	9	the	the	DET
fbem-15359	202	10	educational	educational	ADJ
fbem-15359	202	11	attainment	attainment	NOUN
fbem-15359	202	12	of	of	ADP
fbem-15359	202	13	household	household	NOUN
fbem-15359	202	14	heads	head	NOUN
fbem-15359	202	15	substantially	substantially	ADV
fbem-15359	202	16	facilitates	facilitate	VERB
fbem-15359	202	17	the	the	DET
fbem-15359	202	18	selection	selection	NOUN
fbem-15359	202	19	of	of	ADP
fbem-15359	202	20	financial	financial	ADJ
fbem-15359	202	21	assets	asset	NOUN
fbem-15359	202	22	within	within	ADP
fbem-15359	202	23	families	family	NOUN
fbem-15359	202	24	,	,	PUNCT
fbem-15359	202	25	a	a	DET
fbem-15359	202	26	conclusion	conclusion	NOUN
fbem-15359	202	27	that	that	PRON
fbem-15359	202	28	remains	remain	VERB
fbem-15359	202	29	robust	robust	ADJ
fbem-15359	202	30	even	even	ADV
fbem-15359	202	31	after	after	ADP
fbem-15359	202	32	various	various	ADJ
fbem-15359	202	33	stability	stability	NOUN
fbem-15359	202	34	tests	test	NOUN
fbem-15359	202	35	.	.	PUNCT
fbem-15359	203	1	the	the	DET
fbem-15359	203	2	study	study	NOUN
fbem-15359	203	3	further	far	ADV
fbem-15359	203	4	observes	observe	VERB
fbem-15359	203	5	distinct	distinct	ADJ
fbem-15359	203	6	preferences	preference	NOUN
fbem-15359	203	7	in	in	ADP
fbem-15359	203	8	financial	financial	ADJ
fbem-15359	203	9	asset	asset	NOUN
fbem-15359	203	10	selection	selection	NOUN
fbem-15359	203	11	among	among	ADP
fbem-15359	203	12	families	family	NOUN
fbem-15359	203	13	across	across	ADP
fbem-15359	203	14	different	different	ADJ
fbem-15359	203	15	regions	region	NOUN
fbem-15359	203	16	and	and	CCONJ
fbem-15359	203	17	household	household	NOUN
fbem-15359	203	18	registration	registration	NOUN
fbem-15359	203	19	types	type	NOUN
fbem-15359	203	20	.	.	PUNCT
fbem-15359	204	1	importantly	importantly	ADV
fbem-15359	204	2	,	,	PUNCT
fbem-15359	204	3	it	it	PRON
fbem-15359	204	4	elucidates	elucidate	VERB
fbem-15359	204	5	that	that	SCONJ
fbem-15359	204	6	the	the	DET
fbem-15359	204	7	enhancement	enhancement	NOUN
fbem-15359	204	8	of	of	ADP
fbem-15359	204	9	family	family	NOUN
fbem-15359	204	10	financial	financial	ADJ
fbem-15359	204	11	asset	asset	NOUN
fbem-15359	204	12	choices	choice	NOUN
fbem-15359	204	13	due	due	ADJ
fbem-15359	204	14	to	to	ADP
fbem-15359	204	15	the	the	DET
fbem-15359	204	16	household	household	NOUN
fbem-15359	204	17	head	head	NOUN
fbem-15359	204	18	's	's	PART
fbem-15359	204	19	educational	educational	ADJ
fbem-15359	204	20	level	level	NOUN
fbem-15359	204	21	is	be	AUX
fbem-15359	204	22	predominantly	predominantly	ADV
fbem-15359	204	23	through	through	ADP
fbem-15359	204	24	augmenting	augment	VERB
fbem-15359	204	25	family	family	NOUN
fbem-15359	204	26	income	income	NOUN
fbem-15359	204	27	.	.	PUNCT
fbem-15359	205	1	additionally	additionally	ADV
fbem-15359	205	2	,	,	PUNCT
fbem-15359	205	3	a	a	DET
fbem-15359	205	4	higher	high	ADJ
fbem-15359	205	5	educational	educational	ADJ
fbem-15359	205	6	level	level	NOUN
fbem-15359	205	7	is	be	AUX
fbem-15359	205	8	shown	show	VERB
fbem-15359	205	9	to	to	PART
fbem-15359	205	10	counteract	counteract	VERB
fbem-15359	205	11	the	the	DET
fbem-15359	205	12	effects	effect	NOUN
fbem-15359	205	13	of	of	ADP
fbem-15359	205	14	risk	risk	NOUN
fbem-15359	205	15	aversion	aversion	NOUN
fbem-15359	205	16	in	in	ADP
fbem-15359	205	17	family	family	NOUN
fbem-15359	205	18	financial	financial	ADJ
fbem-15359	205	19	asset	asset	NOUN
fbem-15359	205	20	selection	selection	NOUN
fbem-15359	205	21	.	.	PUNCT
fbem-15359	206	1	this	this	DET
fbem-15359	206	2	research	research	NOUN
fbem-15359	206	3	yields	yield	VERB
fbem-15359	206	4	the	the	DET
fbem-15359	206	5	following	follow	VERB
fbem-15359	206	6	significant	significant	ADJ
fbem-15359	206	7	policy	policy	NOUN
fbem-15359	206	8	insights	insight	NOUN
fbem-15359	206	9	:	:	PUNCT
fbem-15359	206	10	firstly	firstly	ADV
fbem-15359	206	11	,	,	PUNCT
fbem-15359	206	12	family	family	NOUN
fbem-15359	206	13	members	member	NOUN
fbem-15359	206	14	must	must	AUX
fbem-15359	206	15	elevate	elevate	VERB
fbem-15359	206	16	their	their	PRON
fbem-15359	206	17	educational	educational	ADJ
fbem-15359	206	18	attainment	attainment	NOUN
fbem-15359	206	19	,	,	PUNCT
fbem-15359	206	20	thereby	thereby	ADV
fbem-15359	206	21	facilitating	facilitate	VERB
fbem-15359	206	22	a	a	DET
fbem-15359	206	23	more	more	ADV
fbem-15359	206	24	judicious	judicious	ADJ
fbem-15359	206	25	allocation	allocation	NOUN
fbem-15359	206	26	of	of	ADP
fbem-15359	206	27	financial	financial	ADJ
fbem-15359	206	28	assets	asset	NOUN
fbem-15359	206	29	.	.	PUNCT
fbem-15359	207	1	governments	government	NOUN
fbem-15359	207	2	should	should	AUX
fbem-15359	207	3	endeavor	endeavor	VERB
fbem-15359	207	4	to	to	PART
fbem-15359	207	5	universally	universally	ADV
fbem-15359	207	6	implement	implement	VERB
fbem-15359	207	7	compulsory	compulsory	ADJ
fbem-15359	207	8	education	education	NOUN
fbem-15359	207	9	and	and	CCONJ
fbem-15359	207	10	motivate	motivate	ADJ
fbem-15359	207	11	citizens	citizen	NOUN
fbem-15359	207	12	to	to	PART
fbem-15359	207	13	enhance	enhance	VERB
fbem-15359	207	14	their	their	PRON
fbem-15359	207	15	educational	educational	ADJ
fbem-15359	207	16	levels	level	NOUN
fbem-15359	207	17	.	.	PUNCT
fbem-15359	208	1	individuals	individual	NOUN
fbem-15359	208	2	with	with	ADP
fbem-15359	208	3	higher	high	ADJ
fbem-15359	208	4	education	education	NOUN
fbem-15359	208	5	could	could	AUX
fbem-15359	208	6	be	be	AUX
fbem-15359	208	7	given	give	VERB
fbem-15359	208	8	additional	additional	ADJ
fbem-15359	208	9	incentives	incentive	NOUN
fbem-15359	208	10	,	,	PUNCT
fbem-15359	208	11	while	while	SCONJ
fbem-15359	208	12	universities	university	NOUN
fbem-15359	208	13	should	should	AUX
fbem-15359	208	14	be	be	AUX
fbem-15359	208	15	encouraged	encourage	VERB
fbem-15359	208	16	to	to	PART
fbem-15359	208	17	increase	increase	VERB
fbem-15359	208	18	the	the	DET
fbem-15359	208	19	dissemination	dissemination	NOUN
fbem-15359	208	20	of	of	ADP
fbem-15359	208	21	financial	financial	ADJ
fbem-15359	208	22	knowledge	knowledge	NOUN
fbem-15359	208	23	and	and	CCONJ
fbem-15359	208	24	raise	raise	VERB
fbem-15359	208	25	awareness	awareness	NOUN
fbem-15359	208	26	about	about	ADP
fbem-15359	208	27	financial	financial	ADJ
fbem-15359	208	28	risk	risk	NOUN
fbem-15359	208	29	prevention	prevention	NOUN
fbem-15359	208	30	.	.	PUNCT
fbem-15359	209	1	furthermore	furthermore	ADV
fbem-15359	209	2	,	,	PUNCT
fbem-15359	209	3	the	the	DET
fbem-15359	209	4	government	government	NOUN
fbem-15359	209	5	needs	need	VERB
fbem-15359	209	6	to	to	PART
fbem-15359	209	7	guide	guide	VERB
fbem-15359	209	8	the	the	DET
fbem-15359	209	9	public	public	NOUN
fbem-15359	209	10	in	in	ADP
fbem-15359	209	11	proactive	proactive	ADJ
fbem-15359	209	12	retirement	retirement	NOUN
fbem-15359	209	13	planning	planning	NOUN
fbem-15359	209	14	and	and	CCONJ
fbem-15359	209	15	strengthen	strengthen	VERB
fbem-15359	209	16	the	the	DET
fbem-15359	209	17	social	social	ADJ
fbem-15359	209	18	security	security	NOUN
fbem-15359	209	19	infrastructure	infrastructure	NOUN
fbem-15359	209	20	,	,	PUNCT
fbem-15359	209	21	thereby	thereby	ADV
fbem-15359	209	22	enhancing	enhance	VERB
fbem-15359	209	23	the	the	DET
fbem-15359	209	24	overall	overall	ADJ
fbem-15359	209	25	standard	standard	NOUN
fbem-15359	209	26	of	of	ADP
fbem-15359	209	27	retirement	retirement	NOUN
fbem-15359	209	28	planning	planning	NOUN
fbem-15359	209	29	.	.	PUNCT
fbem-15359	210	1	additionally	additionally	ADV
fbem-15359	210	2	,	,	PUNCT
fbem-15359	210	3	increasing	increase	VERB
fbem-15359	210	4	the	the	DET
fbem-15359	210	5	transparency	transparency	NOUN
fbem-15359	210	6	and	and	CCONJ
fbem-15359	210	7	security	security	NOUN
fbem-15359	210	8	of	of	ADP
fbem-15359	210	9	financial	financial	ADJ
fbem-15359	210	10	markets	market	NOUN
fbem-15359	210	11	and	and	CCONJ
fbem-15359	210	12	serving	serve	VERB
fbem-15359	210	13	as	as	ADP
fbem-15359	210	14	an	an	DET
fbem-15359	210	15	effective	effective	ADJ
fbem-15359	210	16	conduit	conduit	NOUN
fbem-15359	210	17	of	of	ADP
fbem-15359	210	18	information	information	NOUN
fbem-15359	210	19	between	between	ADP
fbem-15359	210	20	financial	financial	ADJ
fbem-15359	210	21	institutions	institution	NOUN
fbem-15359	210	22	and	and	CCONJ
fbem-15359	210	23	investors	investor	NOUN
fbem-15359	210	24	is	be	AUX
fbem-15359	210	25	essential	essential	ADJ
fbem-15359	210	26	.	.	PUNCT
fbem-15359	211	1	secondly	secondly	ADV
fbem-15359	211	2	,	,	PUNCT
fbem-15359	211	3	governmental	governmental	ADJ
fbem-15359	211	4	investment	investment	NOUN
fbem-15359	211	5	in	in	ADP
fbem-15359	211	6	education	education	NOUN
fbem-15359	211	7	should	should	AUX
fbem-15359	211	8	be	be	AUX
fbem-15359	211	9	amplified	amplify	VERB
fbem-15359	211	10	to	to	PART
fbem-15359	211	11	raise	raise	VERB
fbem-15359	211	12	the	the	DET
fbem-15359	211	13	level	level	NOUN
fbem-15359	211	14	of	of	ADP
fbem-15359	211	15	financial	financial	ADJ
fbem-15359	211	16	literacy	literacy	NOUN
fbem-15359	211	17	among	among	ADP
fbem-15359	211	18	the	the	DET
fbem-15359	211	19	populace	populace	NOUN
fbem-15359	211	20	.	.	PUNCT
fbem-15359	212	1	government	government	NOUN
fbem-15359	212	2	entities	entity	NOUN
fbem-15359	212	3	should	should	AUX
fbem-15359	212	4	consistently	consistently	ADV
fbem-15359	212	5	boost	boost	VERB
fbem-15359	212	6	their	their	PRON
fbem-15359	212	7	educational	educational	ADJ
fbem-15359	212	8	spending	spending	NOUN
fbem-15359	212	9	,	,	PUNCT
fbem-15359	212	10	deepen	deepen	VERB
fbem-15359	212	11	educational	educational	ADJ
fbem-15359	212	12	management	management	NOUN
fbem-15359	212	13	reforms	reform	NOUN
fbem-15359	212	14	,	,	PUNCT
fbem-15359	212	15	and	and	CCONJ
fbem-15359	212	16	refine	refine	VERB
fbem-15359	212	17	evaluation	evaluation	NOUN
fbem-15359	212	18	systems	system	NOUN
fbem-15359	212	19	.	.	PUNCT
fbem-15359	213	1	such	such	ADJ
fbem-15359	213	2	fiscal	fiscal	ADJ
fbem-15359	213	3	inputs	input	NOUN
fbem-15359	213	4	in	in	ADP
fbem-15359	213	5	education	education	NOUN
fbem-15359	213	6	can	can	AUX
fbem-15359	213	7	effectively	effectively	ADV
fbem-15359	213	8	raise	raise	VERB
fbem-15359	213	9	the	the	DET
fbem-15359	213	10	level	level	NOUN
fbem-15359	213	11	of	of	ADP
fbem-15359	213	12	familial	familial	ADJ
fbem-15359	213	13	education	education	NOUN
fbem-15359	213	14	,	,	PUNCT
fbem-15359	213	15	thereby	thereby	ADV
fbem-15359	213	16	increasing	increase	VERB
fbem-15359	213	17	the	the	DET
fbem-15359	213	18	accumulation	accumulation	NOUN
fbem-15359	213	19	of	of	ADP
fbem-15359	213	20	human	human	ADJ
fbem-15359	213	21	capital	capital	NOUN
fbem-15359	213	22	,	,	PUNCT
fbem-15359	213	23	and	and	CCONJ
fbem-15359	213	24	consequently	consequently	ADV
fbem-15359	213	25	improving	improve	VERB
fbem-15359	213	26	employment	employment	NOUN
fbem-15359	213	27	competitiveness	competitiveness	NOUN
fbem-15359	213	28	and	and	CCONJ
fbem-15359	213	29	income	income	NOUN
fbem-15359	213	30	levels	level	NOUN
fbem-15359	213	31	.	.	PUNCT
fbem-15359	214	1	thirdly	thirdly	ADV
fbem-15359	214	2	,	,	PUNCT
fbem-15359	214	3	financial	financial	ADJ
fbem-15359	214	4	institutions	institution	NOUN
fbem-15359	214	5	should	should	AUX
fbem-15359	214	6	broaden	broaden	VERB
fbem-15359	214	7	their	their	PRON
fbem-15359	214	8	service	service	NOUN
fbem-15359	214	9	platforms	platform	NOUN
fbem-15359	214	10	and	and	CCONJ
fbem-15359	214	11	escalate	escalate	VERB
fbem-15359	214	12	efforts	effort	NOUN
fbem-15359	214	13	to	to	PART
fbem-15359	214	14	promote	promote	VERB
fbem-15359	214	15	financial	financial	ADJ
fbem-15359	214	16	literacy	literacy	NOUN
fbem-15359	214	17	.	.	PUNCT
fbem-15359	215	1	they	they	PRON
fbem-15359	215	2	need	need	VERB
fbem-15359	215	3	to	to	PART
fbem-15359	215	4	diversify	diversify	VERB
fbem-15359	215	5	and	and	CCONJ
fbem-15359	215	6	develop	develop	VERB
fbem-15359	215	7	their	their	PRON
fbem-15359	215	8	financial	financial	ADJ
fbem-15359	215	9	services	service	NOUN
fbem-15359	215	10	to	to	PART
fbem-15359	215	11	cater	cater	VERB
fbem-15359	215	12	to	to	ADP
fbem-15359	215	13	families	family	NOUN
fbem-15359	215	14	from	from	ADP
fbem-15359	215	15	various	various	ADJ
fbem-15359	215	16	socioeconomic	socioeconomic	ADJ
fbem-15359	215	17	backgrounds	background	NOUN
fbem-15359	215	18	with	with	ADP
fbem-15359	215	19	different	different	ADJ
fbem-15359	215	20	financial	financial	ADJ
fbem-15359	215	21	products	product	NOUN
fbem-15359	215	22	.	.	PUNCT
fbem-15359	216	1	additionally	additionally	ADV
fbem-15359	216	2	,	,	PUNCT
fbem-15359	216	3	institutions	institution	NOUN
fbem-15359	216	4	should	should	AUX
fbem-15359	216	5	create	create	VERB
fbem-15359	216	6	financial	financial	ADJ
fbem-15359	216	7	products	product	NOUN
fbem-15359	216	8	tailored	tailor	VERB
fbem-15359	216	9	to	to	ADP
fbem-15359	216	10	different	different	ADJ
fbem-15359	216	11	regional	regional	ADJ
fbem-15359	216	12	populations	population	NOUN
fbem-15359	216	13	,	,	PUNCT
fbem-15359	216	14	aligning	align	VERB
fbem-15359	216	15	with	with	ADP
fbem-15359	216	16	local	local	ADJ
fbem-15359	216	17	pricing	pricing	NOUN
fbem-15359	216	18	and	and	CCONJ
fbem-15359	216	19	consumption	consumption	NOUN
fbem-15359	216	20	habits	habit	NOUN
fbem-15359	216	21	.	.	PUNCT
fbem-15359	217	1	simultaneously	simultaneously	ADV
fbem-15359	217	2	,	,	PUNCT
fbem-15359	217	3	there	there	PRON
fbem-15359	217	4	should	should	AUX
fbem-15359	217	5	be	be	AUX
fbem-15359	217	6	targeted	target	VERB
fbem-15359	217	7	initiatives	initiative	NOUN
fbem-15359	217	8	to	to	PART
fbem-15359	217	9	disseminate	disseminate	VERB
fbem-15359	217	10	financial	financial	ADJ
fbem-15359	217	11	knowledge	knowledge	NOUN
fbem-15359	217	12	more	more	ADV
fbem-15359	217	13	broadly	broadly	ADV
fbem-15359	217	14	and	and	CCONJ
fbem-15359	217	15	intensively	intensively	ADV
fbem-15359	217	16	.	.	PUNCT
fbem-15359	218	1	references	reference	NOUN
fbem-15359	218	2	[	[	X
fbem-15359	218	3	1	1	NUM
fbem-15359	218	4	]	]	X
fbem-15359	218	5	h.	h.	PROPN
fbem-15359	218	6	s.rosen	s.rosen	PROPN
fbem-15359	218	7	,	,	PUNCT
fbem-15359	218	8	s.	s.	PROPN
fbem-15359	218	9	wu	wu	PROPN
fbem-15359	218	10	:	:	PUNCT
fbem-15359	218	11	portfolio	portfolio	NOUN
fbem-15359	218	12	choice	choice	NOUN
fbem-15359	218	13	and	and	CCONJ
fbem-15359	218	14	health	health	NOUN
fbem-15359	218	15	status	status	NOUN
fbem-15359	218	16	,	,	PUNCT
fbem-15359	218	17	journal	journal	NOUN
fbem-15359	218	18	of	of	ADP
fbem-15359	218	19	financial	financial	ADJ
fbem-15359	218	20	economics	economic	NOUN
fbem-15359	218	21	,	,	PUNCT
fbem-15359	218	22	vol.72(2004	vol.72(2004	NOUN
fbem-15359	218	23	)	)	PUNCT
fbem-15359	218	24	no	no	DET
fbem-15359	218	25	3	3	NUM
fbem-15359	218	26	,	,	PUNCT
fbem-15359	218	27	p.457	p.457	NOUN
fbem-15359	218	28	-	-	PUNCT
fbem-15359	218	29	484	484	NUM
fbem-15359	218	30	.	.	PUNCT
fbem-15359	219	1	[	[	X
fbem-15359	219	2	2	2	NUM
fbem-15359	219	3	]	]	PUNCT
fbem-15359	219	4	j.agnew	j.agnew	ADJ
fbem-15359	219	5	,	,	PUNCT
fbem-15359	219	6	p.balduzzi	p.balduzzi	ADV
fbem-15359	219	7	,	,	PUNCT
fbem-15359	219	8	a.sundén	a.sundén	VERB
fbem-15359	219	9	:	:	PUNCT
fbem-15359	219	10	portfolio	portfolio	NOUN
fbem-15359	219	11	choice	choice	NOUN
fbem-15359	219	12	and	and	CCONJ
fbem-15359	219	13	trading	trading	NOUN
fbem-15359	219	14	in	in	ADP
fbem-15359	219	15	a	a	DET
fbem-15359	219	16	large	large	ADJ
fbem-15359	219	17	plan	plan	NOUN
fbem-15359	219	18	.	.	PUNCT
fbem-15359	220	1	american	american	PROPN
fbem-15359	220	2	economic	economic	PROPN
fbem-15359	220	3	review	review	PROPN
fbem-15359	220	4	,	,	PUNCT
fbem-15359	220	5	vol.93(2003	vol.93(2003	PROPN
fbem-15359	220	6	)	)	PUNCT
fbem-15359	220	7	no	no	DET
fbem-15359	220	8	1	1	NUM
fbem-15359	220	9	,	,	PUNCT
fbem-15359	220	10	p.193	p.193	NOUN
fbem-15359	220	11	-	-	NOUN
fbem-15359	220	12	215	215	NUM
fbem-15359	220	13	.	.	PUNCT
fbem-15359	221	1	[	[	X
fbem-15359	221	2	3	3	NUM
fbem-15359	221	3	]	]	SYM
fbem-15359	221	4	w.x.wu	w.x.wu	PROPN
fbem-15359	221	5	,	,	PUNCT
fbem-15359	221	6	p.g.rong	p.g.rong	PROPN
fbem-15359	221	7	,	,	PUNCT
fbem-15359	221	8	q.xu	q.xu	NOUN
fbem-15359	221	9	:	:	PUNCT
fbem-15359	221	10	health	health	NOUN
fbem-15359	221	11	and	and	CCONJ
fbem-15359	221	12	family	family	NOUN
fbem-15359	221	13	asset	asset	NOUN
fbem-15359	221	14	choices	choice	NOUN
fbem-15359	221	15	,	,	PUNCT
fbem-15359	221	16	economic	economic	ADJ
fbem-15359	221	17	research	research	NOUN
fbem-15359	221	18	journal	journal	NOUN
fbem-15359	221	19	,	,	PUNCT
fbem-15359	221	20	(	(	PUNCT
fbem-15359	221	21	2011	2011	NUM
fbem-15359	221	22	)	)	PUNCT
fbem-15359	221	23	,	,	PUNCT
fbem-15359	221	24	p.43	p.43	NOUN
fbem-15359	221	25	-	-	X
fbem-15359	221	26	54	54	NUM
fbem-15359	221	27	.	.	PUNCT
fbem-15359	222	1	[	[	X
fbem-15359	222	2	4	4	X
fbem-15359	222	3	]	]	X
fbem-15359	222	4	x.h.wei	x.h.wei	PROPN
fbem-15359	222	5	,	,	PUNCT
fbem-15359	222	6	y.y.zhang	y.y.zhang	PROPN
fbem-15359	222	7	,	,	PUNCT
fbem-15359	222	8	w.x.wu	w.x.wu	PROPN
fbem-15359	222	9	,	,	PUNCT
fbem-15359	222	10	et	et	PROPN
fbem-15359	222	11	al	al	PROPN
fbem-15359	222	12	.	.	PUNCT
fbem-15359	222	13	:	:	PUNCT
fbem-15359	223	1	study	study	VERB
fbem-15359	223	2	on	on	ADP
fbem-15359	223	3	the	the	DET
fbem-15359	223	4	factors	factor	NOUN
fbem-15359	223	5	influencing	influence	VERB
fbem-15359	223	6	financial	financial	ADJ
fbem-15359	223	7	asset	asset	NOUN
fbem-15359	223	8	allocation	allocation	NOUN
fbem-15359	223	9	of	of	ADP
fbem-15359	223	10	chinese	chinese	ADJ
fbem-15359	223	11	resident	resident	NOUN
fbem-15359	223	12	families	family	NOUN
fbem-15359	223	13	,	,	PUNCT
fbem-15359	223	14	management	management	NOUN
fbem-15359	223	15	review	review	NOUN
fbem-15359	223	16	,	,	PUNCT
fbem-15359	223	17	,	,	PUNCT
fbem-15359	223	18	vol	vol	NOUN
fbem-15359	223	19	.	.	PUNCT
fbem-15359	223	20	26(2014	26(2014	NUM
fbem-15359	223	21	)	)	PUNCT
fbem-15359	224	1	no	no	DET
fbem-15359	224	2	7,p.20	7,p.20	NUM
fbem-15359	224	3	-	-	SYM
fbem-15359	224	4	28	28	NUM
fbem-15359	224	5	.	.	PUNCT
fbem-15359	225	1	[	[	X
fbem-15359	225	2	5	5	X
fbem-15359	225	3	]	]	PUNCT
fbem-15359	225	4	p.	p.	NOUN
fbem-15359	225	5	m	m	PROPN
fbem-15359	225	6	.	.	PUNCT
fbem-15359	226	1	romer	romer	NOUN
fbem-15359	226	2	:	:	PUNCT
fbem-15359	227	1	increasing	increase	VERB
fbem-15359	227	2	returns	return	NOUN
fbem-15359	227	3	and	and	CCONJ
fbem-15359	227	4	long	long	ADV
fbem-15359	227	5	-	-	PUNCT
fbem-15359	227	6	run	run	NOUN
fbem-15359	227	7	growth[j	growth[j	PROPN
fbem-15359	227	8	]	]	PUNCT
fbem-15359	227	9	.	.	PUNCT
fbem-15359	227	10	journal	journal	PROPN
fbem-15359	227	11	of	of	ADP
fbem-15359	227	12	political	political	ADJ
fbem-15359	227	13	economy	economy	NOUN
fbem-15359	227	14	,	,	PUNCT
fbem-15359	227	15	vol.94(1986	vol.94(1986	PROPN
fbem-15359	227	16	)	)	PUNCT
fbem-15359	227	17	no	no	DET
fbem-15359	227	18	5,p.1002	5,p.1002	NUM
fbem-15359	227	19	-	-	SYM
fbem-15359	227	20	1037	1037	NUM
fbem-15359	227	21	.	.	PUNCT
fbem-15359	228	1	[	[	X
fbem-15359	228	2	6	6	NUM
fbem-15359	228	3	]	]	PUNCT
fbem-15359	228	4	x.q.he	x.q.he	PROPN
fbem-15359	228	5	,	,	PUNCT
fbem-15359	228	6	w.shi	w.shi	PROPN
fbem-15359	228	7	,	,	PUNCT
fbem-15359	228	8	k.g.zhou	k.g.zhou	ADJ
fbem-15359	228	9	:	:	PUNCT
fbem-15359	228	10	background	background	NOUN
fbem-15359	228	11	risk	risk	NOUN
fbem-15359	228	12	and	and	CCONJ
fbem-15359	228	13	residents	resident	NOUN
fbem-15359	228	14	'	'	PART
fbem-15359	228	15	investment	investment	NOUN
fbem-15359	228	16	in	in	ADP
fbem-15359	228	17	risky	risky	ADJ
fbem-15359	228	18	financial	financial	ADJ
fbem-15359	228	19	assets	asset	NOUN
fbem-15359	228	20	,	,	PUNCT
fbem-15359	228	21	economic	economic	ADJ
fbem-15359	228	22	research	research	NOUN
fbem-15359	228	23	journal	journal	NOUN
fbem-15359	228	24	,	,	PUNCT
fbem-15359	228	25	(	(	PUNCT
fbem-15359	228	26	2009	2009	NUM
fbem-15359	228	27	)	)	PUNCT
fbem-15359	228	28	no	no	DET
fbem-15359	228	29	12,p.119	12,p.119	NUM
fbem-15359	228	30	-	-	SYM
fbem-15359	228	31	130	130	NUM
fbem-15359	228	32	.	.	PUNCT
fbem-15359	229	1	[	[	X
fbem-15359	229	2	7	7	NUM
fbem-15359	229	3	]	]	X
fbem-15359	229	4	wu	wu	PROPN
fbem-15359	229	5	w.x	w.x	PROPN
fbem-15359	229	6	.	.	PROPN
fbem-15359	229	7	,	,	PUNCT
fbem-15359	229	8	z.z.wang	z.z.wang	PROPN
fbem-15359	229	9	,	,	PUNCT
fbem-15359	229	10	k.wu	k.wu	PROPN
fbem-15359	229	11	,	,	PUNCT
fbem-15359	229	12	et	et	PROPN
fbem-15359	229	13	al	al	PROPN
fbem-15359	229	14	:	:	PUNCT
fbem-15359	229	15	a	a	DET
fbem-15359	229	16	review	review	NOUN
fbem-15359	229	17	of	of	ADP
fbem-15359	229	18	family	family	NOUN
fbem-15359	229	19	finance	finance	NOUN
fbem-15359	229	20	research	research	NOUN
fbem-15359	229	21	from	from	ADP
fbem-15359	229	22	the	the	DET
fbem-15359	229	23	perspective	perspective	NOUN
fbem-15359	229	24	of	of	ADP
fbem-15359	229	25	asset	asset	NOUN
fbem-15359	229	26	allocation	allocation	NOUN
fbem-15359	229	27	,	,	PUNCT
fbem-15359	229	28	scientific	scientific	ADJ
fbem-15359	229	29	decision	decision	NOUN
fbem-15359	229	30	making	making	NOUN
fbem-15359	229	31	,	,	PUNCT
fbem-15359	229	32	(	(	PUNCT
fbem-15359	229	33	2015	2015	NUM
fbem-15359	229	34	)	)	PUNCT
fbem-15359	229	35	no	no	DET
fbem-15359	229	36	4,p.69	4,p.69	NOUN
fbem-15359	229	37	-	-	SYM
fbem-15359	229	38	94	94	NUM
fbem-15359	229	39	.	.	PUNCT
fbem-15359	230	1	[	[	X
fbem-15359	230	2	8	8	X
fbem-15359	230	3	]	]	PUNCT
fbem-15359	230	4	j.	j.	PROPN
fbem-15359	230	5	y.campbell	y.campbell	PROPN
fbem-15359	230	6	:	:	PUNCT
fbem-15359	230	7	household	household	NOUN
fbem-15359	230	8	finance	finance	NOUN
fbem-15359	230	9	,	,	PUNCT
fbem-15359	230	10	journal	journal	NOUN
fbem-15359	230	11	of	of	ADP
fbem-15359	230	12	finance	finance	NOUN
fbem-15359	230	13	,	,	PUNCT
fbem-15359	230	14	vol	vol	NOUN
fbem-15359	230	15	.	.	PROPN
fbem-15359	230	16	61	61	NUM
fbem-15359	230	17	(	(	PUNCT
fbem-15359	230	18	2006	2006	NUM
fbem-15359	230	19	)	)	PUNCT
fbem-15359	230	20	no	no	DET
fbem-15359	230	21	4	4	NUM
fbem-15359	230	22	,	,	PUNCT
fbem-15359	230	23	p.1553	p.1553	NOUN
fbem-15359	230	24	-	-	PUNCT
fbem-15359	230	25	1604	1604	NUM
fbem-15359	230	26	.	.	PUNCT
fbem-15359	231	1	[	[	X
fbem-15359	231	2	9	9	NUM
fbem-15359	231	3	]	]	SYM
fbem-15359	231	4	h.s	h.s	PROPN
fbem-15359	231	5	.	.	PROPN
fbem-15359	231	6	ge	ge	PROPN
fbem-15359	231	7	:	:	PUNCT
fbem-15359	231	8	the	the	DET
fbem-15359	231	9	impact	impact	NOUN
fbem-15359	231	10	of	of	ADP
fbem-15359	231	11	financial	financial	ADJ
fbem-15359	231	12	knowledge	knowledge	NOUN
fbem-15359	231	13	and	and	CCONJ
fbem-15359	231	14	investment	investment	NOUN
fbem-15359	231	15	experience	experience	NOUN
fbem-15359	231	16	on	on	ADP
fbem-15359	231	17	chinese	chinese	ADJ
fbem-15359	231	18	families	family	NOUN
fbem-15359	231	19	'	'	PART
fbem-15359	231	20	participation	participation	NOUN
fbem-15359	231	21	in	in	ADP
fbem-15359	231	22	financial	financial	ADJ
fbem-15359	231	23	markets	market	NOUN
fbem-15359	231	24	and	and	CCONJ
fbem-15359	231	25	asset	asset	NOUN
fbem-15359	231	26	allocation	allocation	NOUN
fbem-15359	231	27	,	,	PUNCT
fbem-15359	231	28	southwestern	southwestern	ADJ
fbem-15359	231	29	university	university	NOUN
fbem-15359	231	30	of	of	ADP
fbem-15359	231	31	finance	finance	NOUN
fbem-15359	231	32	and	and	CCONJ
fbem-15359	231	33	economics,(2013	economics,(2013	ADJ
fbem-15359	231	34	)	)	PUNCT
fbem-15359	231	35	.	.	PUNCT
fbem-15359	232	1	[	[	X
fbem-15359	232	2	10	10	NUM
fbem-15359	232	3	]	]	X
fbem-15359	232	4	z.hu	z.hu	PROPN
fbem-15359	232	5	,	,	PUNCT
fbem-15359	232	6	r.h.zang	r.h.zang	PROPN
fbem-15359	232	7	:	:	PUNCT
fbem-15359	232	8	study	study	NOUN
fbem-15359	232	9	on	on	ADP
fbem-15359	232	10	the	the	DET
fbem-15359	232	11	impact	impact	NOUN
fbem-15359	232	12	of	of	ADP
fbem-15359	232	13	financial	financial	ADJ
fbem-15359	232	14	literacy	literacy	NOUN
fbem-15359	232	15	on	on	ADP
fbem-15359	232	16	household	household	NOUN
fbem-15359	232	17	financial	financial	PROPN
fbem-15359	232	18	planning	planning	PROPN
fbem-15359	232	19	micro	micro	PROPN
fbem-15359	232	20	evidence	evidence	NOUN
fbem-15359	232	21	from	from	ADP
fbem-15359	232	22	urban	urban	ADJ
fbem-15359	232	23	families	family	NOUN
fbem-15359	232	24	in	in	ADP
fbem-15359	232	25	china	china	PROPN
fbem-15359	232	26	,	,	PUNCT
fbem-15359	232	27	journal	journal	NOUN
fbem-15359	232	28	of	of	ADP
fbem-15359	232	29	central	central	PROPN
fbem-15359	232	30	university	university	PROPN
fbem-15359	232	31	of	of	ADP
fbem-15359	232	32	finance	finance	NOUN
fbem-15359	232	33	and	and	CCONJ
fbem-15359	232	34	economics	economic	NOUN
fbem-15359	232	35	,	,	PUNCT
fbem-15359	232	36	(	(	PUNCT
fbem-15359	232	37	2017	2017	NUM
fbem-15359	232	38	)	)	PUNCT
fbem-15359	232	39	no	no	DET
fbem-15359	232	40	2	2	NUM
fbem-15359	232	41	,	,	PUNCT
fbem-15359	232	42	p.72	p.72	NOUN
fbem-15359	232	43	-	-	X
fbem-15359	232	44	83	83	NUM
fbem-15359	232	45	.	.	PUNCT
fbem-15359	233	1	[	[	X
fbem-15359	233	2	11	11	NUM
fbem-15359	233	3	]	]	PUNCT
fbem-15359	233	4	x.y.lei	x.y.lei	PROPN
fbem-15359	233	5	,	,	PUNCT
fbem-15359	233	6	y.g.zhou	y.g.zhou	PROPN
fbem-15359	233	7	:	:	PUNCT
fbem-15359	233	8	asset	asset	NOUN
fbem-15359	233	9	portfolio	portfolio	NOUN
fbem-15359	233	10	choices	choice	NOUN
fbem-15359	233	11	of	of	ADP
fbem-15359	233	12	chinese	chinese	ADJ
fbem-15359	233	13	families	family	NOUN
fbem-15359	233	14	:	:	PUNCT
fbem-15359	233	15	the	the	DET
fbem-15359	233	16	role	role	NOUN
fbem-15359	233	17	of	of	ADP
fbem-15359	233	18	health	health	NOUN
fbem-15359	233	19	status	status	NOUN
fbem-15359	233	20	and	and	CCONJ
fbem-15359	233	21	risk	risk	NOUN
fbem-15359	233	22	preference	preference	NOUN
fbem-15359	233	23	,	,	PUNCT
fbem-15359	233	24	journal	journal	NOUN
fbem-15359	233	25	of	of	ADP
fbem-15359	233	26	financial	financial	ADJ
fbem-15359	233	27	research	research	NOUN
fbem-15359	233	28	,	,	PUNCT
fbem-15359	233	29	(	(	PUNCT
fbem-15359	233	30	2010	2010	NUM
fbem-15359	233	31	)	)	PUNCT
fbem-15359	233	32	no	no	DET
fbem-15359	233	33	1	1	NUM
fbem-15359	233	34	,	,	PUNCT
fbem-15359	233	35	p.31	p.31	NOUN
fbem-15359	233	36	-	-	PUNCT
fbem-15359	233	37	45	45	NUM
fbem-15359	233	38	.	.	PUNCT
fbem-15359	234	1	[	[	X
fbem-15359	234	2	12	12	NUM
fbem-15359	234	3	]	]	X
fbem-15359	234	4	z.c.yin	z.c.yin	PROPN
fbem-15359	234	5	,	,	PUNCT
fbem-15359	234	6	q.y.song	q.y.song	NOUN
fbem-15359	234	7	,	,	PUNCT
fbem-15359	234	8	y.wu	y.wu	PROPN
fbem-15359	234	9	:	:	PUNCT
fbem-15359	234	10	financial	financial	ADJ
fbem-15359	234	11	knowledge	knowledge	NOUN
fbem-15359	234	12	,	,	PUNCT
fbem-15359	234	13	investment	investment	NOUN
fbem-15359	234	14	experience	experience	NOUN
fbem-15359	234	15	,	,	PUNCT
fbem-15359	234	16	and	and	CCONJ
fbem-15359	234	17	family	family	NOUN
fbem-15359	234	18	asset	asset	NOUN
fbem-15359	234	19	choices	choice	NOUN
fbem-15359	234	20	,	,	PUNCT
fbem-15359	234	21	economic	economic	ADJ
fbem-15359	234	22	research	research	NOUN
fbem-15359	234	23	journal,(2014	journal,(2014	PROPN
fbem-15359	234	24	)	)	PUNCT
fbem-15359	234	25	.	.	PUNCT
fbem-15359	235	1	[	[	X
fbem-15359	235	2	13	13	NUM
fbem-15359	235	3	]	]	SYM
fbem-15359	235	4	r.cooper	r.cooper	NOUN
fbem-15359	235	5	,	,	PUNCT
fbem-15359	235	6	g.zhu	g.zhu	PROPN
fbem-15359	235	7	:	:	PUNCT
fbem-15359	235	8	household	household	NOUN
fbem-15359	235	9	finance	finance	NOUN
fbem-15359	235	10	over	over	ADP
fbem-15359	235	11	the	the	DET
fbem-15359	235	12	life	life	NOUN
fbem-15359	235	13	-	-	PUNCT
fbem-15359	235	14	cycle	cycle	NOUN
fbem-15359	235	15	:	:	PUNCT
fbem-15359	235	16	what	what	PRON
fbem-15359	235	17	does	do	AUX
fbem-15359	235	18	education	education	NOUN
fbem-15359	235	19	contribute	contribute	VERB
fbem-15359	235	20	?	?	PUNCT
fbem-15359	235	21	,	,	PUNCT
fbem-15359	235	22	review	review	NOUN
fbem-15359	235	23	of	of	ADP
fbem-15359	235	24	economic	economic	ADJ
fbem-15359	235	25	dynamics	dynamic	NOUN
fbem-15359	235	26	,	,	PUNCT
fbem-15359	235	27	(	(	PUNCT
fbem-15359	235	28	2016	2016	NUM
fbem-15359	235	29	)	)	PUNCT
fbem-15359	235	30	no	no	DET
fbem-15359	235	31	20	20	NUM
fbem-15359	235	32	,	,	PUNCT
fbem-15359	235	33	p.63	p.63	NOUN
fbem-15359	235	34	-	-	NOUN
fbem-15359	235	35	89	89	NUM
fbem-15359	235	36	.	.	PUNCT
fbem-15359	236	1	[	[	X
fbem-15359	236	2	14	14	NUM
fbem-15359	236	3	]	]	X
fbem-15359	236	4	j.mincer	j.mincer	NOUN
fbem-15359	236	5	:	:	PUNCT
fbem-15359	236	6	human	human	ADJ
fbem-15359	236	7	capital	capital	NOUN
fbem-15359	236	8	responses	response	NOUN
fbem-15359	236	9	to	to	ADP
fbem-15359	236	10	technological	technological	ADJ
fbem-15359	236	11	change	change	NOUN
fbem-15359	236	12	in	in	ADP
fbem-15359	236	13	the	the	DET
fbem-15359	236	14	labor	labor	NOUN
fbem-15359	236	15	market	market	NOUN
fbem-15359	236	16	,	,	PUNCT
fbem-15359	236	17	social	social	ADJ
fbem-15359	236	18	science	science	NOUN
fbem-15359	236	19	electronic	electronic	ADJ
fbem-15359	236	20	publishing	publishing	NOUN
fbem-15359	236	21	,	,	PUNCT
fbem-15359	236	22	vol	vol	NOUN
fbem-15359	236	23	.	.	PROPN
fbem-15359	236	24	31	31	NUM
fbem-15359	236	25	(	(	PUNCT
fbem-15359	236	26	2000	2000	NUM
fbem-15359	236	27	)	)	PUNCT
fbem-15359	237	1	no	no	DET
fbem-15359	237	2	3	3	NUM
fbem-15359	237	3	,	,	PUNCT
fbem-15359	237	4	p.200	p.200	NOUN
fbem-15359	237	5	-	-	SYM
fbem-15359	237	6	202	202	NUM
fbem-15359	237	7	.	.	PUNCT
fbem-15359	238	1	[	[	X
fbem-15359	238	2	15	15	NUM
fbem-15359	238	3	]	]	SYM
fbem-15359	238	4	z.p.xiao	z.p.xiao	NOUN
fbem-15359	238	5	,	,	PUNCT
fbem-15359	238	6	x.z.zhang	x.z.zhang	PROPN
fbem-15359	238	7	:	:	PUNCT
fbem-15359	238	8	study	study	NOUN
fbem-15359	238	9	on	on	ADP
fbem-15359	238	10	the	the	DET
fbem-15359	238	11	impact	impact	NOUN
fbem-15359	238	12	of	of	ADP
fbem-15359	238	13	institutions	institution	NOUN
fbem-15359	238	14	and	and	CCONJ
fbem-15359	238	15	human	human	ADJ
fbem-15359	238	16	capital	capital	NOUN
fbem-15359	238	17	on	on	ADP
fbem-15359	238	18	household	household	NOUN
fbem-15359	238	19	participation	participation	NOUN
fbem-15359	238	20	in	in	ADP
fbem-15359	238	21	financial	financial	ADJ
fbem-15359	238	22	markets	market	NOUN
fbem-15359	238	23	survey	survey	VERB
fbem-15359	238	24	data	datum	NOUN
fbem-15359	238	25	from	from	ADP
fbem-15359	238	26	chinese	chinese	ADJ
fbem-15359	238	27	private	private	ADJ
fbem-15359	238	28	entrepreneurs	entrepreneur	NOUN
fbem-15359	238	29	,	,	PUNCT
fbem-15359	238	30	economic	economic	ADJ
fbem-15359	238	31	research	research	NOUN
fbem-15359	238	32	journal	journal	NOUN
fbem-15359	238	33	,	,	PUNCT
fbem-15359	238	34	(	(	PUNCT
fbem-15359	238	35	2012	2012	NUM
fbem-15359	238	36	)	)	PUNCT
fbem-15359	238	37	,	,	PUNCT
fbem-15359	238	38	p.91	p.91	X
fbem-15359	238	39	-	-	NOUN
fbem-15359	238	40	104	104	NUM
fbem-15359	238	41	.	.	PUNCT
fbem-15359	239	1	[	[	X
fbem-15359	239	2	16	16	NUM
fbem-15359	239	3	]	]	X
fbem-15359	239	4	d	d	X
fbem-15359	239	5	xiao	xiao	PROPN
fbem-15359	239	6	.	.	PROPN
fbem-15359	239	7	,	,	PUNCT
fbem-15359	239	8	y.x.lü	y.x.lü	PROPN
fbem-15359	239	9	:	:	PUNCT
fbem-15359	239	10	educational	educational	ADJ
fbem-15359	239	11	background	background	NOUN
fbem-15359	239	12	and	and	CCONJ
fbem-15359	239	13	chinese	chinese	ADJ
fbem-15359	239	14	family	family	NOUN
fbem-15359	239	15	participation	participation	NOUN
fbem-15359	239	16	in	in	ADP
fbem-15359	239	17	the	the	DET
fbem-15359	239	18	stock	stock	NOUN
fbem-15359	239	19	market	market	NOUN
fbem-15359	239	20	an	an	DET
fbem-15359	239	21	empirical	empirical	ADJ
fbem-15359	239	22	analysis	analysis	NOUN
fbem-15359	239	23	based	base	VERB
fbem-15359	239	24	on	on	ADP
fbem-15359	239	25	cfps	cfps	PROPN
fbem-15359	239	26	microdata	microdata	NOUN
fbem-15359	239	27	,	,	PUNCT
fbem-15359	239	28	economic	economic	ADJ
fbem-15359	239	29	theory	theory	NOUN
fbem-15359	239	30	and	and	CCONJ
fbem-15359	239	31	business	business	NOUN
fbem-15359	239	32	management	management	NOUN
fbem-15359	239	33	,	,	PUNCT
fbem-15359	239	34	vol	vol	NOUN
fbem-15359	239	35	.	.	PROPN
fbem-15359	239	36	330	330	NUM
fbem-15359	239	37	(	(	PUNCT
fbem-15359	239	38	2018	2018	NUM
fbem-15359	239	39	)	)	PUNCT
fbem-15359	239	40	no	no	DET
fbem-15359	239	41	6	6	NUM
fbem-15359	239	42	,	,	PUNCT
fbem-15359	239	43	p.82	p.82	NOUN
fbem-15359	239	44	-	-	X
fbem-15359	239	45	97	97	NUM
fbem-15359	239	46	.	.	PUNCT
fbem-15359	240	1	[	[	X
fbem-15359	240	2	17	17	NUM
fbem-15359	240	3	]	]	X
fbem-15359	240	4	t.	t.	X
fbem-15359	240	5	w.schultz	w.schultz	PROPN
fbem-15359	240	6	:	:	PUNCT
fbem-15359	240	7	investment	investment	NOUN
fbem-15359	240	8	in	in	ADP
fbem-15359	240	9	human	human	ADJ
fbem-15359	240	10	capital	capital	NOUN
fbem-15359	240	11	,	,	PUNCT
fbem-15359	240	12	economic	economic	ADJ
fbem-15359	240	13	journal	journal	NOUN
fbem-15359	240	14	,	,	PUNCT
fbem-15359	240	15	,	,	PUNCT
fbem-15359	240	16	vol	vol	NOUN
fbem-15359	240	17	.	.	PUNCT
fbem-15359	240	18	82(1972	82(1972	NUM
fbem-15359	240	19	)	)	PUNCT
fbem-15359	240	20	,	,	PUNCT
fbem-15359	240	21	p.787	p.787	NUM
fbem-15359	240	22	.	.	PUNCT
fbem-15359	241	1	[	[	X
fbem-15359	241	2	18	18	NUM
fbem-15359	241	3	]	]	SYM
fbem-15359	241	4	w.x.wu	w.x.wu	PROPN
fbem-15359	241	5	,	,	PUNCT
fbem-15359	241	6	y.c.qiu	y.c.qiu	ADJ
fbem-15359	241	7	anchun	anchun	NOUN
fbem-15359	241	8	,	,	PUNCT
fbem-15359	241	9	l.w.zhang	l.w.zhang	PROPN
fbem-15359	241	10	:	:	PUNCT
fbem-15359	241	11	the	the	DET
fbem-15359	241	12	effectiveness	effectiveness	NOUN
fbem-15359	241	13	of	of	ADP
fbem-15359	241	14	chinese	chinese	ADJ
fbem-15359	241	15	household	household	NOUN
fbem-15359	241	16	investment	investment	NOUN
fbem-15359	241	17	portfolios	portfolio	NOUN
fbem-15359	241	18	:	:	PUNCT
fbem-15359	241	19	a	a	DET
fbem-15359	241	20	study	study	NOUN
fbem-15359	241	21	based	base	VERB
fbem-15359	241	22	on	on	ADP
fbem-15359	241	23	the	the	DET
fbem-15359	241	24	sharpe	sharpe	PROPN
fbem-15359	241	25	ratio	ratio	NOUN
fbem-15359	241	26	,	,	PUNCT
fbem-15359	241	27	the	the	DET
fbem-15359	241	28	journal	journal	NOUN
fbem-15359	241	29	of	of	ADP
fbem-15359	241	30	world	world	NOUN
fbem-15359	241	31	economy	economy	NOUN
fbem-15359	241	32	,	,	PUNCT
fbem-15359	241	33	(	(	PUNCT
fbem-15359	241	34	2015	2015	NUM
fbem-15359	241	35	)	)	PUNCT
fbem-15359	241	36	no	no	DET
fbem-15359	241	37	1	1	NUM
fbem-15359	241	38	,	,	PUNCT
fbem-15359	241	39	p.154	p.154	NOUN
fbem-15359	241	40	-	-	X
fbem-15359	241	41	172	172	NUM
fbem-15359	241	42	.	.	PUNCT
fbem-15359	242	1	[	[	X
fbem-15359	242	2	19	19	NUM
fbem-15359	242	3	]	]	X
fbem-15359	242	4	z.g.yuan	z.g.yuan	PROPN
fbem-15359	242	5	,	,	PUNCT
fbem-15359	242	6	j.feng	j.feng	PROPN
fbem-15359	242	7	,	,	PUNCT
fbem-15359	242	8	c.y.luo	c.y.luo	PROPN
fbem-15359	242	9	:	:	PUNCT
fbem-15359	242	10	residents	resident	NOUN
fbem-15359	242	11	'	'	PART
fbem-15359	242	12	savings	saving	NOUN
fbem-15359	242	13	and	and	CCONJ
fbem-15359	242	14	investment	investment	NOUN
fbem-15359	242	15	choices	choice	NOUN
fbem-15359	242	16	:	:	PUNCT
fbem-15359	242	17	implications	implication	NOUN
fbem-15359	242	18	for	for	ADP
fbem-15359	242	19	financial	financial	ADJ
fbem-15359	242	20	asset	asset	NOUN
fbem-15359	242	21	development	development	NOUN
fbem-15359	242	22	,	,	PUNCT
fbem-15359	242	23	contemporary	contemporary	ADJ
fbem-15359	242	24	economic	economic	ADJ
fbem-15359	242	25	science	science	NOUN
fbem-15359	242	26	,	,	PUNCT
fbem-15359	242	27	vol.26	vol.26	PROPN
fbem-15359	242	28	(	(	PUNCT
fbem-15359	242	29	2004	2004	NUM
fbem-15359	242	30	)	)	PUNCT
fbem-15359	242	31	no	no	DET
fbem-15359	242	32	6	6	NUM
fbem-15359	242	33	,	,	PUNCT
fbem-15359	242	34	p.1	p.1	NOUN
fbem-15359	242	35	-	-	SYM
fbem-15359	242	36	10	10	NUM
fbem-15359	242	37	.	.	PUNCT
fbem-15359	243	1	[	[	X
fbem-15359	243	2	20	20	NUM
fbem-15359	243	3	]	]	PUNCT
fbem-15359	243	4	a.lusardi	a.lusardi	NOUN
fbem-15359	243	5	,	,	PUNCT
fbem-15359	243	6	o.	o.	PROPN
fbem-15359	243	7	s.mitchelli	s.mitchelli	PROPN
fbem-15359	243	8	:	:	PUNCT
fbem-15359	243	9	financial	financial	ADJ
fbem-15359	243	10	literacy	literacy	NOUN
fbem-15359	243	11	and	and	CCONJ
fbem-15359	243	12	retirement	retirement	NOUN
fbem-15359	243	13	preparedness	preparedness	NOUN
fbem-15359	243	14	:	:	PUNCT
fbem-15359	243	15	evidence	evidence	NOUN
fbem-15359	243	16	and	and	CCONJ
fbem-15359	243	17	implications	implication	NOUN
fbem-15359	243	18	for	for	ADP
fbem-15359	243	19	financial	financial	ADJ
fbem-15359	243	20	education	education	NOUN
fbem-15359	243	21	,	,	PUNCT
fbem-15359	243	22	business	business	NOUN
fbem-15359	243	23	economics	economic	NOUN
fbem-15359	243	24	,	,	PUNCT
fbem-15359	243	25	vol.42(2007	vol.42(2007	ADJ
fbem-15359	243	26	)	)	PUNCT
fbem-15359	243	27	no	no	DET
fbem-15359	243	28	1,p.35	1,p.35	NUM
fbem-15359	243	29	-	-	SYM
fbem-15359	243	30	44	44	NUM
fbem-15359	243	31	.	.	PUNCT
fbem-15359	244	1	[	[	X
fbem-15359	244	2	21	21	NUM
fbem-15359	244	3	]	]	X
fbem-15359	244	4	t.li	t.li	PROPN
fbem-15359	244	5	,	,	PUNCT
fbem-15359	244	6	j.guo	j.guo	PROPN
fbem-15359	244	7	:	:	PUNCT
fbem-15359	244	8	risk	risk	NOUN
fbem-15359	244	9	attitude	attitude	NOUN
fbem-15359	244	10	and	and	CCONJ
fbem-15359	244	11	stock	stock	NOUN
fbem-15359	244	12	investment	investment	NOUN
fbem-15359	244	13	,	,	PUNCT
fbem-15359	244	14	economic	economic	ADJ
fbem-15359	244	15	research	research	NOUN
fbem-15359	244	16	journal	journal	NOUN
fbem-15359	244	17	,	,	PUNCT
fbem-15359	244	18	(	(	PUNCT
fbem-15359	244	19	2009	2009	NUM
fbem-15359	244	20	)	)	PUNCT
fbem-15359	244	21	no	no	DET
fbem-15359	244	22	2	2	NUM
fbem-15359	244	23	,	,	PUNCT
fbem-15359	244	24	p.56	p.56	X
fbem-15359	244	25	-	-	SYM
fbem-15359	244	26	67	67	NUM
fbem-15359	244	27	.	.	PUNCT
fbem-15359	244	28	11	11	NUM
fbem-15359	245	1	[	[	X
fbem-15359	245	2	22	22	NUM
fbem-15359	245	3	]	]	PUNCT
fbem-15359	245	4	w.	w.	PROPN
fbem-15359	245	5	f.	f.	PROPN
fbem-15359	245	6	sharpe	sharpe	PROPN
fbem-15359	245	7	:	:	PUNCT
fbem-15359	245	8	capital	capital	NOUN
fbem-15359	245	9	asset	asset	NOUN
fbem-15359	245	10	prices	price	NOUN
fbem-15359	245	11	:	:	PUNCT
fbem-15359	245	12	a	a	DET
fbem-15359	245	13	theory	theory	NOUN
fbem-15359	245	14	of	of	ADP
fbem-15359	245	15	market	market	NOUN
fbem-15359	245	16	equilibrium	equilibrium	NOUN
fbem-15359	245	17	under	under	ADP
fbem-15359	245	18	conditions	condition	NOUN
fbem-15359	245	19	of	of	ADP
fbem-15359	245	20	risk	risk	NOUN
fbem-15359	245	21	,	,	PUNCT
fbem-15359	245	22	journal	journal	NOUN
fbem-15359	245	23	of	of	ADP
fbem-15359	245	24	finance	finance	NOUN
fbem-15359	245	25	,	,	PUNCT
fbem-15359	245	26	vol	vol	NOUN
fbem-15359	245	27	.	.	PROPN
fbem-15359	245	28	19	19	NUM
fbem-15359	245	29	(	(	PUNCT
fbem-15359	245	30	2012	2012	NUM
fbem-15359	245	31	)	)	PUNCT
fbem-15359	245	32	no	no	DET
fbem-15359	245	33	3	3	NUM
fbem-15359	245	34	,	,	PUNCT
fbem-15359	245	35	p.425	p.425	NOUN
fbem-15359	245	36	-	-	PUNCT
fbem-15359	245	37	442	442	NUM
fbem-15359	245	38	.	.	PUNCT
fbem-15359	246	1	[	[	X
fbem-15359	246	2	23	23	NUM
fbem-15359	246	3	]	]	X
fbem-15359	246	4	q.h	q.h	PROPN
fbem-15359	246	5	.	.	PROPN
fbem-15359	246	6	,huang	,huang	PUNCT
fbem-15359	246	7	,	,	PUNCT
fbem-15359	246	8	y.g.yu	y.g.yu	PROPN
fbem-15359	246	9	,	,	PUNCT
fbem-15359	246	10	s.l.zhang	s.l.zhang	PROPN
fbem-15359	246	11	:	:	PUNCT
fbem-15359	246	12	internet	internet	NOUN
fbem-15359	246	13	development	development	NOUN
fbem-15359	246	14	and	and	CCONJ
fbem-15359	246	15	productivity	productivity	NOUN
fbem-15359	246	16	improvement	improvement	NOUN
fbem-15359	246	17	in	in	ADP
fbem-15359	246	18	manufacturing	manufacturing	NOUN
fbem-15359	246	19	:	:	PUNCT
fbem-15359	246	20	intrinsic	intrinsic	ADJ
fbem-15359	246	21	mechanisms	mechanism	NOUN
fbem-15359	246	22	and	and	CCONJ
fbem-15359	246	23	chinese	chinese	ADJ
fbem-15359	246	24	experience	experience	NOUN
fbem-15359	246	25	,	,	PUNCT
fbem-15359	246	26	china	china	PROPN
fbem-15359	246	27	industrial	industrial	ADJ
fbem-15359	246	28	economics	economic	NOUN
fbem-15359	246	29	,	,	PUNCT
fbem-15359	246	30	(	(	PUNCT
fbem-15359	246	31	2019	2019	NUM
fbem-15359	246	32	)	)	PUNCT
fbem-15359	246	33	no	no	DET
fbem-15359	246	34	8	8	NUM
fbem-15359	246	35	,	,	PUNCT
fbem-15359	246	36	p.5	p.5	NOUN
fbem-15359	246	37	-	-	X
fbem-15359	246	38	23	23	NUM
fbem-15359	246	39	.	.	PUNCT
fbem-15359	247	1	[	[	X
fbem-15359	247	2	24	24	NUM
fbem-15359	247	3	]	]	X
fbem-15359	247	4	q.l.mao	q.l.mao	PROPN
fbem-15359	247	5	,	,	PUNCT
fbem-15359	247	6	j.y.xu	j.y.xu	PROPN
fbem-15359	247	7	:	:	PUNCT
fbem-15359	247	8	market	market	NOUN
fbem-15359	247	9	transition	transition	NOUN
fbem-15359	247	10	,	,	PUNCT
fbem-15359	247	11	employment	employment	NOUN
fbem-15359	247	12	dynamics	dynamic	NOUN
fbem-15359	247	13	,	,	PUNCT
fbem-15359	247	14	and	and	CCONJ
fbem-15359	247	15	regional	regional	ADJ
fbem-15359	247	16	productivity	productivity	NOUN
fbem-15359	247	17	growth	growth	NOUN
fbem-15359	247	18	in	in	ADP
fbem-15359	247	19	china	china	PROPN
fbem-15359	247	20	,	,	PUNCT
fbem-15359	247	21	management	management	NOUN
fbem-15359	247	22	world	world	NOUN
fbem-15359	247	23	,	,	PUNCT
fbem-15359	247	24	(	(	PUNCT
fbem-15359	247	25	2015	2015	NUM
fbem-15359	247	26	)	)	PUNCT
fbem-15359	247	27	no	no	DET
fbem-15359	247	28	10	10	NUM
fbem-15359	247	29	,	,	PUNCT
fbem-15359	247	30	p.7	p.7	NOUN
fbem-15359	247	31	-	-	SYM
fbem-15359	247	32	23	23	NUM
fbem-15359	247	33	.	.	PUNCT