id	sid	tid	token	lemma	pos
fbem-18156	1	1	frontiers	frontier	NOUN
fbem-18156	1	2	in	in	ADP
fbem-18156	1	3	business	business	NOUN
fbem-18156	1	4	,	,	PUNCT
fbem-18156	1	5	economics	economic	NOUN
fbem-18156	1	6	and	and	CCONJ
fbem-18156	1	7	management	management	NOUN
fbem-18156	1	8	issn	issn	PROPN
fbem-18156	1	9	:	:	PUNCT
fbem-18156	1	10	2766	2766	NUM
fbem-18156	1	11	-	-	PUNCT
fbem-18156	1	12	824x	824x	NUM
fbem-18156	1	13	|	|	ADJ
fbem-18156	1	14	vol	vol	NOUN
fbem-18156	1	15	.	.	PROPN
fbem-18156	1	16	13	13	NUM
fbem-18156	1	17	,	,	PUNCT
fbem-18156	1	18	no	no	INTJ
fbem-18156	1	19	.	.	NOUN
fbem-18156	1	20	3	3	NUM
fbem-18156	1	21	,	,	PUNCT
fbem-18156	1	22	2024	2024	NUM
fbem-18156	1	23	63	63	NUM
fbem-18156	1	24	optimisation	optimisation	NOUN
fbem-18156	1	25	of	of	ADP
fbem-18156	1	26	game	game	NOUN
fbem-18156	1	27	strategies	strategy	NOUN
fbem-18156	1	28	under	under	ADP
fbem-18156	1	29	information	information	NOUN
fbem-18156	1	30	asymmetry	asymmetry	NOUN
fbem-18156	1	31	between	between	ADP
fbem-18156	1	32	insurance	insurance	NOUN
fbem-18156	1	33	companies	company	NOUN
fbem-18156	1	34	and	and	CCONJ
fbem-18156	1	35	consumers	consumer	NOUN
fbem-18156	1	36	bochen	bochen	ADV
fbem-18156	1	37	wu	wu	PROPN
fbem-18156	1	38	southwest	southwest	PROPN
fbem-18156	1	39	minzu	minzu	PROPN
fbem-18156	1	40	university	university	PROPN
fbem-18156	1	41	,	,	PUNCT
fbem-18156	1	42	chengdu	chengdu	PROPN
fbem-18156	1	43	,	,	PUNCT
fbem-18156	1	44	610000	610000	NUM
fbem-18156	1	45	,	,	PUNCT
fbem-18156	1	46	china	china	PROPN
fbem-18156	1	47	abstract	abstract	NOUN
fbem-18156	1	48	:	:	PUNCT
fbem-18156	1	49	the	the	DET
fbem-18156	1	50	information	information	NOUN
fbem-18156	1	51	asymmetry	asymmetry	NOUN
fbem-18156	1	52	common	common	ADJ
fbem-18156	1	53	in	in	ADP
fbem-18156	1	54	insurance	insurance	NOUN
fbem-18156	1	55	markets	market	NOUN
fbem-18156	1	56	has	have	VERB
fbem-18156	1	57	a	a	DET
fbem-18156	1	58	profound	profound	ADJ
fbem-18156	1	59	impact	impact	NOUN
fbem-18156	1	60	on	on	ADP
fbem-18156	1	61	market	market	NOUN
fbem-18156	1	62	operations	operation	NOUN
fbem-18156	1	63	and	and	CCONJ
fbem-18156	1	64	outcomes	outcome	NOUN
fbem-18156	1	65	,	,	PUNCT
fbem-18156	1	66	and	and	CCONJ
fbem-18156	1	67	game	game	NOUN
fbem-18156	1	68	theory	theory	NOUN
fbem-18156	1	69	provides	provide	VERB
fbem-18156	1	70	a	a	DET
fbem-18156	1	71	framework	framework	NOUN
fbem-18156	1	72	for	for	ADP
fbem-18156	1	73	understanding	understanding	NOUN
fbem-18156	1	74	and	and	CCONJ
fbem-18156	1	75	responding	respond	VERB
fbem-18156	1	76	to	to	ADP
fbem-18156	1	77	this	this	DET
fbem-18156	1	78	problem	problem	NOUN
fbem-18156	1	79	.	.	PUNCT
fbem-18156	2	1	this	this	DET
fbem-18156	2	2	paper	paper	NOUN
fbem-18156	2	3	explores	explore	VERB
fbem-18156	2	4	the	the	DET
fbem-18156	2	5	manifestation	manifestation	NOUN
fbem-18156	2	6	of	of	ADP
fbem-18156	2	7	information	information	NOUN
fbem-18156	2	8	asymmetry	asymmetry	NOUN
fbem-18156	2	9	in	in	ADP
fbem-18156	2	10	the	the	DET
fbem-18156	2	11	insurance	insurance	NOUN
fbem-18156	2	12	market	market	NOUN
fbem-18156	2	13	and	and	CCONJ
fbem-18156	2	14	the	the	DET
fbem-18156	2	15	application	application	NOUN
fbem-18156	2	16	of	of	ADP
fbem-18156	2	17	game	game	NOUN
fbem-18156	2	18	theory	theory	NOUN
fbem-18156	2	19	,	,	PUNCT
fbem-18156	2	20	as	as	ADV
fbem-18156	2	21	well	well	ADV
fbem-18156	2	22	as	as	ADP
fbem-18156	2	23	the	the	DET
fbem-18156	2	24	optimisation	optimisation	NOUN
fbem-18156	2	25	of	of	ADP
fbem-18156	2	26	strategies	strategy	NOUN
fbem-18156	2	27	between	between	ADP
fbem-18156	2	28	insurers	insurer	NOUN
fbem-18156	2	29	and	and	CCONJ
fbem-18156	2	30	consumers	consumer	NOUN
fbem-18156	2	31	.	.	PUNCT
fbem-18156	3	1	on	on	ADP
fbem-18156	3	2	the	the	DET
fbem-18156	3	3	part	part	NOUN
fbem-18156	3	4	of	of	ADP
fbem-18156	3	5	insurance	insurance	NOUN
fbem-18156	3	6	companies	company	NOUN
fbem-18156	3	7	,	,	PUNCT
fbem-18156	3	8	game	game	NOUN
fbem-18156	3	9	strategies	strategy	NOUN
fbem-18156	3	10	are	be	AUX
fbem-18156	3	11	optimised	optimise	VERB
fbem-18156	3	12	through	through	ADP
fbem-18156	3	13	measures	measure	NOUN
fbem-18156	3	14	such	such	ADJ
fbem-18156	3	15	as	as	ADP
fbem-18156	3	16	improving	improve	VERB
fbem-18156	3	17	information	information	NOUN
fbem-18156	3	18	transparency	transparency	NOUN
fbem-18156	3	19	,	,	PUNCT
fbem-18156	3	20	enhancing	enhance	VERB
fbem-18156	3	21	risk	risk	NOUN
fbem-18156	3	22	assessment	assessment	NOUN
fbem-18156	3	23	and	and	CCONJ
fbem-18156	3	24	establishing	establish	VERB
fbem-18156	3	25	long	long	ADJ
fbem-18156	3	26	-	-	PUNCT
fbem-18156	3	27	term	term	NOUN
fbem-18156	3	28	cooperative	cooperative	ADJ
fbem-18156	3	29	relationships	relationship	NOUN
fbem-18156	3	30	,	,	PUNCT
fbem-18156	3	31	while	while	SCONJ
fbem-18156	3	32	consumers	consumer	NOUN
fbem-18156	3	33	actively	actively	ADV
fbem-18156	3	34	participate	participate	VERB
fbem-18156	3	35	in	in	ADP
fbem-18156	3	36	the	the	DET
fbem-18156	3	37	market	market	NOUN
fbem-18156	3	38	game	game	NOUN
fbem-18156	3	39	by	by	ADP
fbem-18156	3	40	enhancing	enhance	VERB
fbem-18156	3	41	their	their	PRON
fbem-18156	3	42	awareness	awareness	NOUN
fbem-18156	3	43	of	of	ADP
fbem-18156	3	44	self	self	NOUN
fbem-18156	3	45	-	-	PUNCT
fbem-18156	3	46	protection	protection	NOUN
fbem-18156	3	47	,	,	PUNCT
fbem-18156	3	48	improving	improve	VERB
fbem-18156	3	49	their	their	PRON
fbem-18156	3	50	insurance	insurance	NOUN
fbem-18156	3	51	knowledge	knowledge	NOUN
fbem-18156	3	52	and	and	CCONJ
fbem-18156	3	53	choosing	choose	VERB
fbem-18156	3	54	reputable	reputable	ADJ
fbem-18156	3	55	insurance	insurance	NOUN
fbem-18156	3	56	companies	company	NOUN
fbem-18156	3	57	.	.	PUNCT
fbem-18156	4	1	these	these	DET
fbem-18156	4	2	optimisation	optimisation	NOUN
fbem-18156	4	3	measures	measure	NOUN
fbem-18156	4	4	help	help	VERB
fbem-18156	4	5	to	to	PART
fbem-18156	4	6	improve	improve	VERB
fbem-18156	4	7	the	the	DET
fbem-18156	4	8	market	market	NOUN
fbem-18156	4	9	environment	environment	NOUN
fbem-18156	4	10	,	,	PUNCT
fbem-18156	4	11	enhance	enhance	VERB
fbem-18156	4	12	market	market	NOUN
fbem-18156	4	13	efficiency	efficiency	NOUN
fbem-18156	4	14	and	and	CCONJ
fbem-18156	4	15	achieve	achieve	VERB
fbem-18156	4	16	a	a	DET
fbem-18156	4	17	win	win	NOUN
fbem-18156	4	18	-	-	PUNCT
fbem-18156	4	19	win	win	NOUN
fbem-18156	4	20	situation	situation	NOUN
fbem-18156	4	21	in	in	ADP
fbem-18156	4	22	the	the	DET
fbem-18156	4	23	insurance	insurance	NOUN
fbem-18156	4	24	market	market	NOUN
fbem-18156	4	25	,	,	PUNCT
fbem-18156	4	26	laying	lay	VERB
fbem-18156	4	27	the	the	DET
fbem-18156	4	28	foundation	foundation	NOUN
fbem-18156	4	29	for	for	ADP
fbem-18156	4	30	the	the	DET
fbem-18156	4	31	healthy	healthy	ADJ
fbem-18156	4	32	development	development	NOUN
fbem-18156	4	33	and	and	CCONJ
fbem-18156	4	34	sustainable	sustainable	ADJ
fbem-18156	4	35	stability	stability	NOUN
fbem-18156	4	36	of	of	ADP
fbem-18156	4	37	the	the	DET
fbem-18156	4	38	insurance	insurance	NOUN
fbem-18156	4	39	market	market	NOUN
fbem-18156	4	40	.	.	PUNCT
fbem-18156	5	1	keywords	keyword	NOUN
fbem-18156	5	2	:	:	PUNCT
fbem-18156	5	3	information	information	NOUN
fbem-18156	5	4	asymmetry	asymmetry	NOUN
fbem-18156	5	5	;	;	PUNCT
fbem-18156	5	6	insurance	insurance	NOUN
fbem-18156	5	7	market	market	NOUN
fbem-18156	5	8	;	;	PUNCT
fbem-18156	5	9	game	game	NOUN
fbem-18156	5	10	strategy	strategy	NOUN
fbem-18156	5	11	.	.	PUNCT
fbem-18156	6	1	1	1	X
fbem-18156	6	2	.	.	X
fbem-18156	6	3	introduction	introduction	NOUN
fbem-18156	6	4	information	information	NOUN
fbem-18156	6	5	asymmetry	asymmetry	NOUN
fbem-18156	6	6	and	and	CCONJ
fbem-18156	6	7	game	game	NOUN
fbem-18156	6	8	theory	theory	NOUN
fbem-18156	6	9	are	be	AUX
fbem-18156	6	10	two	two	NUM
fbem-18156	6	11	crucial	crucial	ADJ
fbem-18156	6	12	concepts	concept	NOUN
fbem-18156	6	13	in	in	ADP
fbem-18156	6	14	today	today	NOUN
fbem-18156	6	15	's	's	PART
fbem-18156	6	16	insurance	insurance	NOUN
fbem-18156	6	17	market	market	NOUN
fbem-18156	6	18	.	.	PUNCT
fbem-18156	7	1	information	information	NOUN
fbem-18156	7	2	asymmetry	asymmetry	NOUN
fbem-18156	7	3	refers	refer	VERB
fbem-18156	7	4	to	to	ADP
fbem-18156	7	5	the	the	DET
fbem-18156	7	6	fact	fact	NOUN
fbem-18156	7	7	that	that	SCONJ
fbem-18156	7	8	market	market	NOUN
fbem-18156	7	9	participants	participant	NOUN
fbem-18156	7	10	have	have	AUX
fbem-18156	7	11	different	different	ADJ
fbem-18156	7	12	levels	level	NOUN
fbem-18156	7	13	of	of	ADP
fbem-18156	7	14	information	information	NOUN
fbem-18156	7	15	in	in	ADP
fbem-18156	7	16	a	a	DET
fbem-18156	7	17	transaction	transaction	NOUN
fbem-18156	7	18	,	,	PUNCT
fbem-18156	7	19	a	a	DET
fbem-18156	7	20	situation	situation	NOUN
fbem-18156	7	21	that	that	PRON
fbem-18156	7	22	often	often	ADV
fbem-18156	7	23	leads	lead	VERB
fbem-18156	7	24	to	to	ADP
fbem-18156	7	25	one	one	NUM
fbem-18156	7	26	party	party	NOUN
fbem-18156	7	27	being	be	AUX
fbem-18156	7	28	in	in	ADP
fbem-18156	7	29	a	a	DET
fbem-18156	7	30	disadvantaged	disadvantaged	ADJ
fbem-18156	7	31	position	position	NOUN
fbem-18156	7	32	and	and	CCONJ
fbem-18156	7	33	affects	affect	VERB
fbem-18156	7	34	the	the	DET
fbem-18156	7	35	efficiency	efficiency	NOUN
fbem-18156	7	36	and	and	CCONJ
fbem-18156	7	37	fairness	fairness	NOUN
fbem-18156	7	38	of	of	ADP
fbem-18156	7	39	the	the	DET
fbem-18156	7	40	market	market	NOUN
fbem-18156	7	41	.	.	PUNCT
fbem-18156	8	1	meanwhile	meanwhile	ADV
fbem-18156	8	2	,	,	PUNCT
fbem-18156	8	3	game	game	NOUN
fbem-18156	8	4	theory	theory	NOUN
fbem-18156	8	5	provides	provide	VERB
fbem-18156	8	6	us	we	PRON
fbem-18156	8	7	with	with	ADP
fbem-18156	8	8	a	a	DET
fbem-18156	8	9	theoretical	theoretical	ADJ
fbem-18156	8	10	framework	framework	NOUN
fbem-18156	8	11	for	for	ADP
fbem-18156	8	12	studying	study	VERB
fbem-18156	8	13	the	the	DET
fbem-18156	8	14	strategic	strategic	ADJ
fbem-18156	8	15	interactions	interaction	NOUN
fbem-18156	8	16	and	and	CCONJ
fbem-18156	8	17	decision	decision	NOUN
fbem-18156	8	18	-	-	PUNCT
fbem-18156	8	19	making	make	VERB
fbem-18156	8	20	processes	process	NOUN
fbem-18156	8	21	among	among	ADP
fbem-18156	8	22	participants	participant	NOUN
fbem-18156	8	23	.	.	PUNCT
fbem-18156	9	1	in	in	ADP
fbem-18156	9	2	this	this	DET
fbem-18156	9	3	paper	paper	NOUN
fbem-18156	9	4	,	,	PUNCT
fbem-18156	9	5	we	we	PRON
fbem-18156	9	6	will	will	AUX
fbem-18156	9	7	explore	explore	VERB
fbem-18156	9	8	the	the	DET
fbem-18156	9	9	basis	basis	NOUN
fbem-18156	9	10	and	and	CCONJ
fbem-18156	9	11	application	application	NOUN
fbem-18156	9	12	of	of	ADP
fbem-18156	9	13	information	information	NOUN
fbem-18156	9	14	asymmetry	asymmetry	NOUN
fbem-18156	9	15	and	and	CCONJ
fbem-18156	9	16	game	game	NOUN
fbem-18156	9	17	theory	theory	NOUN
fbem-18156	9	18	in	in	ADP
fbem-18156	9	19	the	the	DET
fbem-18156	9	20	insurance	insurance	NOUN
fbem-18156	9	21	market	market	NOUN
fbem-18156	9	22	,	,	PUNCT
fbem-18156	9	23	and	and	CCONJ
fbem-18156	9	24	how	how	SCONJ
fbem-18156	9	25	to	to	PART
fbem-18156	9	26	optimise	optimise	VERB
fbem-18156	9	27	game	game	NOUN
fbem-18156	9	28	strategies	strategy	NOUN
fbem-18156	9	29	to	to	PART
fbem-18156	9	30	improve	improve	VERB
fbem-18156	9	31	market	market	NOUN
fbem-18156	9	32	efficiency	efficiency	NOUN
fbem-18156	9	33	and	and	CCONJ
fbem-18156	9	34	participants	participant	NOUN
fbem-18156	9	35	'	'	PART
fbem-18156	9	36	interests	interest	NOUN
fbem-18156	9	37	.	.	PUNCT
fbem-18156	10	1	2	2	X
fbem-18156	10	2	.	.	X
fbem-18156	10	3	information	information	NOUN
fbem-18156	10	4	asymmetry	asymmetry	NOUN
fbem-18156	10	5	and	and	CCONJ
fbem-18156	10	6	game	game	NOUN
fbem-18156	10	7	theory	theory	NOUN
fbem-18156	10	8	foundation	foundation	PROPN
fbem-18156	10	9	2.1	2.1	NUM
fbem-18156	10	10	.	.	PUNCT
fbem-18156	11	1	the	the	DET
fbem-18156	11	2	definition	definition	NOUN
fbem-18156	11	3	of	of	ADP
fbem-18156	11	4	information	information	NOUN
fbem-18156	11	5	asymmetry	asymmetry	NOUN
fbem-18156	11	6	and	and	CCONJ
fbem-18156	11	7	its	its	PRON
fbem-18156	11	8	embodiment	embodiment	NOUN
fbem-18156	11	9	in	in	ADP
fbem-18156	11	10	the	the	DET
fbem-18156	11	11	insurance	insurance	NOUN
fbem-18156	11	12	market	market	NOUN
fbem-18156	11	13	information	information	NOUN
fbem-18156	11	14	asymmetry	asymmetry	NOUN
fbem-18156	11	15	refers	refer	VERB
fbem-18156	11	16	to	to	ADP
fbem-18156	11	17	the	the	DET
fbem-18156	11	18	economic	economic	ADJ
fbem-18156	11	19	transactions	transaction	NOUN
fbem-18156	11	20	,	,	PUNCT
fbem-18156	11	21	market	market	NOUN
fbem-18156	11	22	participants	participant	NOUN
fbem-18156	11	23	have	have	VERB
fbem-18156	11	24	different	different	ADJ
fbem-18156	11	25	levels	level	NOUN
fbem-18156	11	26	of	of	ADP
fbem-18156	11	27	information	information	NOUN
fbem-18156	11	28	between	between	ADP
fbem-18156	11	29	them	they	PRON
fbem-18156	11	30	,	,	PUNCT
fbem-18156	11	31	resulting	result	VERB
fbem-18156	11	32	in	in	ADP
fbem-18156	11	33	one	one	NUM
fbem-18156	11	34	party	party	NOUN
fbem-18156	11	35	's	's	PART
fbem-18156	11	36	insufficient	insufficient	ADJ
fbem-18156	11	37	understanding	understanding	NOUN
fbem-18156	11	38	of	of	ADP
fbem-18156	11	39	the	the	DET
fbem-18156	11	40	object	object	NOUN
fbem-18156	11	41	of	of	ADP
fbem-18156	11	42	the	the	DET
fbem-18156	11	43	transaction	transaction	NOUN
fbem-18156	11	44	or	or	CCONJ
fbem-18156	11	45	the	the	DET
fbem-18156	11	46	market	market	NOUN
fbem-18156	11	47	situation	situation	NOUN
fbem-18156	11	48	,	,	PUNCT
fbem-18156	11	49	thus	thus	ADV
fbem-18156	11	50	creating	create	VERB
fbem-18156	11	51	an	an	DET
fbem-18156	11	52	unfair	unfair	ADJ
fbem-18156	11	53	situation	situation	NOUN
fbem-18156	11	54	.	.	PUNCT
fbem-18156	12	1	in	in	ADP
fbem-18156	12	2	the	the	DET
fbem-18156	12	3	insurance	insurance	NOUN
fbem-18156	12	4	market	market	NOUN
fbem-18156	12	5	,	,	PUNCT
fbem-18156	12	6	information	information	NOUN
fbem-18156	12	7	asymmetry	asymmetry	NOUN
fbem-18156	12	8	is	be	AUX
fbem-18156	12	9	a	a	DET
fbem-18156	12	10	common	common	ADJ
fbem-18156	12	11	problem	problem	NOUN
fbem-18156	12	12	.	.	PUNCT
fbem-18156	13	1	insurance	insurance	NOUN
fbem-18156	13	2	companies	company	NOUN
fbem-18156	13	3	usually	usually	ADV
fbem-18156	13	4	have	have	VERB
fbem-18156	13	5	more	more	ADJ
fbem-18156	13	6	information	information	NOUN
fbem-18156	13	7	,	,	PUNCT
fbem-18156	13	8	such	such	ADJ
fbem-18156	13	9	as	as	ADP
fbem-18156	13	10	the	the	DET
fbem-18156	13	11	risk	risk	NOUN
fbem-18156	13	12	profile	profile	NOUN
fbem-18156	13	13	and	and	CCONJ
fbem-18156	13	14	claims	claim	VERB
fbem-18156	13	15	history	history	NOUN
fbem-18156	13	16	of	of	ADP
fbem-18156	13	17	their	their	PRON
fbem-18156	13	18	customers	customer	NOUN
fbem-18156	13	19	,	,	PUNCT
fbem-18156	13	20	while	while	SCONJ
fbem-18156	13	21	consumers	consumer	NOUN
fbem-18156	13	22	lack	lack	VERB
fbem-18156	13	23	such	such	ADJ
fbem-18156	13	24	information	information	NOUN
fbem-18156	13	25	.	.	PUNCT
fbem-18156	14	1	this	this	DET
fbem-18156	14	2	asymmetry	asymmetry	NOUN
fbem-18156	14	3	leads	lead	VERB
fbem-18156	14	4	to	to	ADP
fbem-18156	14	5	the	the	DET
fbem-18156	14	6	possibility	possibility	NOUN
fbem-18156	14	7	that	that	SCONJ
fbem-18156	14	8	insurance	insurance	NOUN
fbem-18156	14	9	companies	company	NOUN
fbem-18156	14	10	may	may	AUX
fbem-18156	14	11	have	have	AUX
fbem-18156	14	12	an	an	DET
fbem-18156	14	13	advantage	advantage	NOUN
fbem-18156	14	14	in	in	ADP
fbem-18156	14	15	pricing	pricing	NOUN
fbem-18156	14	16	,	,	PUNCT
fbem-18156	14	17	risk	risk	NOUN
fbem-18156	14	18	assessment	assessment	NOUN
fbem-18156	14	19	,	,	PUNCT
fbem-18156	14	20	etc	etc	X
fbem-18156	14	21	.	.	X
fbem-18156	14	22	,	,	PUNCT
fbem-18156	14	23	thus	thus	ADV
fbem-18156	14	24	affecting	affect	VERB
fbem-18156	14	25	consumers	consumer	NOUN
fbem-18156	14	26	'	'	PART
fbem-18156	14	27	choices	choice	NOUN
fbem-18156	14	28	and	and	CCONJ
fbem-18156	14	29	interests	interest	NOUN
fbem-18156	14	30	.	.	PUNCT
fbem-18156	15	1	2.2	2.2	NUM
fbem-18156	15	2	.	.	PUNCT
fbem-18156	15	3	basis	basis	NOUN
fbem-18156	15	4	of	of	ADP
fbem-18156	15	5	game	game	NOUN
fbem-18156	15	6	theory	theory	NOUN
fbem-18156	15	7	and	and	CCONJ
fbem-18156	15	8	its	its	PRON
fbem-18156	15	9	application	application	NOUN
fbem-18156	15	10	in	in	ADP
fbem-18156	15	11	insurance	insurance	NOUN
fbem-18156	15	12	market	market	NOUN
fbem-18156	15	13	game	game	NOUN
fbem-18156	15	14	theory	theory	NOUN
fbem-18156	15	15	is	be	AUX
fbem-18156	15	16	a	a	DET
fbem-18156	15	17	theoretical	theoretical	ADJ
fbem-18156	15	18	framework	framework	NOUN
fbem-18156	15	19	for	for	ADP
fbem-18156	15	20	the	the	DET
fbem-18156	15	21	study	study	NOUN
fbem-18156	15	22	of	of	ADP
fbem-18156	15	23	strategic	strategic	ADJ
fbem-18156	15	24	interactions	interaction	NOUN
fbem-18156	15	25	and	and	CCONJ
fbem-18156	15	26	outcomes	outcome	NOUN
fbem-18156	15	27	among	among	ADP
fbem-18156	15	28	decision	decision	NOUN
fbem-18156	15	29	makers	maker	NOUN
fbem-18156	15	30	.	.	PUNCT
fbem-18156	16	1	in	in	ADP
fbem-18156	16	2	the	the	DET
fbem-18156	16	3	insurance	insurance	NOUN
fbem-18156	16	4	market	market	NOUN
fbem-18156	16	5	,	,	PUNCT
fbem-18156	16	6	game	game	NOUN
fbem-18156	16	7	theory	theory	NOUN
fbem-18156	16	8	is	be	AUX
fbem-18156	16	9	widely	widely	ADV
fbem-18156	16	10	used	use	VERB
fbem-18156	16	11	to	to	PART
fbem-18156	16	12	analyse	analyse	VERB
fbem-18156	16	13	the	the	DET
fbem-18156	16	14	strategic	strategic	ADJ
fbem-18156	16	15	choices	choice	NOUN
fbem-18156	16	16	and	and	CCONJ
fbem-18156	16	17	decision	decision	NOUN
fbem-18156	16	18	-	-	PUNCT
fbem-18156	16	19	making	make	VERB
fbem-18156	16	20	process	process	NOUN
fbem-18156	16	21	between	between	ADP
fbem-18156	16	22	insurance	insurance	NOUN
fbem-18156	16	23	companies	company	NOUN
fbem-18156	16	24	and	and	CCONJ
fbem-18156	16	25	consumers	consumer	NOUN
fbem-18156	16	26	.	.	PUNCT
fbem-18156	17	1	the	the	DET
fbem-18156	17	2	insurance	insurance	NOUN
fbem-18156	17	3	market	market	NOUN
fbem-18156	17	4	can	can	AUX
fbem-18156	17	5	be	be	AUX
fbem-18156	17	6	regarded	regard	VERB
fbem-18156	17	7	as	as	ADP
fbem-18156	17	8	a	a	DET
fbem-18156	17	9	game	game	NOUN
fbem-18156	17	10	place	place	NOUN
fbem-18156	17	11	,	,	PUNCT
fbem-18156	17	12	where	where	SCONJ
fbem-18156	17	13	insurance	insurance	NOUN
fbem-18156	17	14	companies	company	NOUN
fbem-18156	17	15	and	and	CCONJ
fbem-18156	17	16	consumers	consumer	NOUN
fbem-18156	17	17	strategise	strategise	VERB
fbem-18156	17	18	in	in	ADP
fbem-18156	17	19	choosing	choose	VERB
fbem-18156	17	20	insurance	insurance	NOUN
fbem-18156	17	21	products	product	NOUN
fbem-18156	17	22	,	,	PUNCT
fbem-18156	17	23	pricing	pricing	NOUN
fbem-18156	17	24	strategies	strategy	NOUN
fbem-18156	17	25	,	,	PUNCT
fbem-18156	17	26	etc	etc	X
fbem-18156	17	27	.	.	X
fbem-18156	17	28	,	,	PUNCT
fbem-18156	17	29	and	and	CCONJ
fbem-18156	17	30	the	the	DET
fbem-18156	17	31	interests	interest	NOUN
fbem-18156	17	32	and	and	CCONJ
fbem-18156	17	33	decisions	decision	NOUN
fbem-18156	17	34	of	of	ADP
fbem-18156	17	35	both	both	DET
fbem-18156	17	36	parties	party	NOUN
fbem-18156	17	37	will	will	AUX
fbem-18156	17	38	interact	interact	VERB
fbem-18156	17	39	with	with	ADP
fbem-18156	17	40	each	each	DET
fbem-18156	17	41	other	other	ADJ
fbem-18156	17	42	and	and	CCONJ
fbem-18156	17	43	ultimately	ultimately	ADV
fbem-18156	17	44	affect	affect	VERB
fbem-18156	17	45	the	the	DET
fbem-18156	17	46	operation	operation	NOUN
fbem-18156	17	47	and	and	CCONJ
fbem-18156	17	48	outcome	outcome	NOUN
fbem-18156	17	49	of	of	ADP
fbem-18156	17	50	the	the	DET
fbem-18156	17	51	market	market	NOUN
fbem-18156	17	52	.	.	PUNCT
fbem-18156	18	1	2.3	2.3	NUM
fbem-18156	18	2	.	.	PUNCT
fbem-18156	19	1	insurance	insurance	NOUN
fbem-18156	19	2	market	market	NOUN
fbem-18156	19	3	game	game	NOUN
fbem-18156	19	4	model	model	NOUN
fbem-18156	19	5	under	under	ADP
fbem-18156	19	6	information	information	NOUN
fbem-18156	19	7	asymmetry	asymmetry	NOUN
fbem-18156	19	8	in	in	ADP
fbem-18156	19	9	the	the	DET
fbem-18156	19	10	case	case	NOUN
fbem-18156	19	11	of	of	ADP
fbem-18156	19	12	information	information	NOUN
fbem-18156	19	13	asymmetry	asymmetry	NOUN
fbem-18156	19	14	,	,	PUNCT
fbem-18156	19	15	the	the	DET
fbem-18156	19	16	game	game	NOUN
fbem-18156	19	17	model	model	NOUN
fbem-18156	19	18	of	of	ADP
fbem-18156	19	19	the	the	DET
fbem-18156	19	20	insurance	insurance	NOUN
fbem-18156	19	21	market	market	NOUN
fbem-18156	19	22	becomes	become	VERB
fbem-18156	19	23	complex	complex	ADJ
fbem-18156	19	24	and	and	CCONJ
fbem-18156	19	25	challenging	challenging	ADJ
fbem-18156	19	26	.	.	PUNCT
fbem-18156	20	1	insurance	insurance	NOUN
fbem-18156	20	2	companies	company	NOUN
fbem-18156	20	3	need	need	VERB
fbem-18156	20	4	to	to	PART
fbem-18156	20	5	consider	consider	VERB
fbem-18156	20	6	how	how	SCONJ
fbem-18156	20	7	to	to	PART
fbem-18156	20	8	take	take	VERB
fbem-18156	20	9	advantage	advantage	NOUN
fbem-18156	20	10	of	of	ADP
fbem-18156	20	11	information	information	NOUN
fbem-18156	20	12	to	to	PART
fbem-18156	20	13	develop	develop	VERB
fbem-18156	20	14	more	more	ADV
fbem-18156	20	15	effective	effective	ADJ
fbem-18156	20	16	pricing	pricing	NOUN
fbem-18156	20	17	and	and	CCONJ
fbem-18156	20	18	contract	contract	NOUN
fbem-18156	20	19	terms	term	NOUN
fbem-18156	20	20	,	,	PUNCT
fbem-18156	20	21	while	while	SCONJ
fbem-18156	20	22	consumers	consumer	NOUN
fbem-18156	20	23	need	need	VERB
fbem-18156	20	24	to	to	PART
fbem-18156	20	25	balance	balance	VERB
fbem-18156	20	26	their	their	PRON
fbem-18156	20	27	interests	interest	NOUN
fbem-18156	20	28	and	and	CCONJ
fbem-18156	20	29	risks	risk	NOUN
fbem-18156	20	30	through	through	ADP
fbem-18156	20	31	game	game	NOUN
fbem-18156	20	32	strategies	strategy	NOUN
fbem-18156	20	33	.	.	PUNCT
fbem-18156	21	1	game	game	NOUN
fbem-18156	21	2	models	model	NOUN
fbem-18156	21	3	can	can	AUX
fbem-18156	21	4	help	help	VERB
fbem-18156	21	5	us	we	PRON
fbem-18156	21	6	understand	understand	VERB
fbem-18156	21	7	the	the	DET
fbem-18156	21	8	strategic	strategic	ADJ
fbem-18156	21	9	interactions	interaction	NOUN
fbem-18156	21	10	and	and	CCONJ
fbem-18156	21	11	decision	decision	NOUN
fbem-18156	21	12	-	-	PUNCT
fbem-18156	21	13	making	make	VERB
fbem-18156	21	14	processes	process	NOUN
fbem-18156	21	15	between	between	ADP
fbem-18156	21	16	the	the	DET
fbem-18156	21	17	two	two	NUM
fbem-18156	21	18	parties	party	NOUN
fbem-18156	21	19	,	,	PUNCT
fbem-18156	21	20	predict	predict	VERB
fbem-18156	21	21	possible	possible	ADJ
fbem-18156	21	22	outcomes	outcome	NOUN
fbem-18156	21	23	in	in	ADP
fbem-18156	21	24	the	the	DET
fbem-18156	21	25	market	market	NOUN
fbem-18156	21	26	,	,	PUNCT
fbem-18156	21	27	and	and	CCONJ
fbem-18156	21	28	propose	propose	VERB
fbem-18156	21	29	optimisation	optimisation	NOUN
fbem-18156	21	30	strategies	strategy	NOUN
fbem-18156	21	31	to	to	PART
fbem-18156	21	32	improve	improve	VERB
fbem-18156	21	33	market	market	NOUN
fbem-18156	21	34	efficiency	efficiency	NOUN
fbem-18156	21	35	and	and	CCONJ
fbem-18156	21	36	fairness	fairness	NOUN
fbem-18156	21	37	.	.	PUNCT
fbem-18156	22	1	3	3	X
fbem-18156	22	2	.	.	X
fbem-18156	22	3	analysis	analysis	NOUN
fbem-18156	22	4	of	of	ADP
fbem-18156	22	5	the	the	DET
fbem-18156	22	6	current	current	ADJ
fbem-18156	22	7	status	status	NOUN
fbem-18156	22	8	of	of	ADP
fbem-18156	22	9	information	information	NOUN
fbem-18156	22	10	asymmetry	asymmetry	NOUN
fbem-18156	22	11	between	between	ADP
fbem-18156	22	12	insurers	insurer	NOUN
fbem-18156	22	13	and	and	CCONJ
fbem-18156	22	14	consumers	consumer	NOUN
fbem-18156	22	15	3.1	3.1	NUM
fbem-18156	22	16	.	.	PUNCT
fbem-18156	23	1	information	information	NOUN
fbem-18156	23	2	asymmetry	asymmetry	NOUN
fbem-18156	23	3	between	between	ADP
fbem-18156	23	4	insurance	insurance	NOUN
fbem-18156	23	5	companies	company	NOUN
fbem-18156	23	6	and	and	CCONJ
fbem-18156	23	7	consumers	consumer	NOUN
fbem-18156	23	8	in	in	ADP
fbem-18156	23	9	the	the	DET
fbem-18156	23	10	insurance	insurance	NOUN
fbem-18156	23	11	market	market	NOUN
fbem-18156	23	12	,	,	PUNCT
fbem-18156	23	13	information	information	NOUN
fbem-18156	23	14	asymmetry	asymmetry	NOUN
fbem-18156	23	15	prevails	prevail	VERB
fbem-18156	23	16	between	between	ADP
fbem-18156	23	17	insurance	insurance	NOUN
fbem-18156	23	18	companies	company	NOUN
fbem-18156	23	19	and	and	CCONJ
fbem-18156	23	20	consumers	consumer	NOUN
fbem-18156	23	21	.	.	PUNCT
fbem-18156	24	1	insurance	insurance	NOUN
fbem-18156	24	2	companies	company	NOUN
fbem-18156	24	3	usually	usually	ADV
fbem-18156	24	4	have	have	VERB
fbem-18156	24	5	more	more	ADJ
fbem-18156	24	6	information	information	NOUN
fbem-18156	24	7	,	,	PUNCT
fbem-18156	24	8	including	include	VERB
fbem-18156	24	9	customers	customer	NOUN
fbem-18156	24	10	'	'	PART
fbem-18156	24	11	risk	risk	NOUN
fbem-18156	24	12	profiles	profile	NOUN
fbem-18156	24	13	,	,	PUNCT
fbem-18156	24	14	claims	claim	VERB
fbem-18156	24	15	history	history	NOUN
fbem-18156	24	16	,	,	PUNCT
fbem-18156	24	17	product	product	NOUN
fbem-18156	24	18	terms	term	NOUN
fbem-18156	24	19	and	and	CCONJ
fbem-18156	24	20	conditions	condition	NOUN
fbem-18156	24	21	,	,	PUNCT
fbem-18156	24	22	etc	etc	X
fbem-18156	24	23	.	.	X
fbem-18156	24	24	,	,	PUNCT
fbem-18156	24	25	while	while	SCONJ
fbem-18156	24	26	consumers	consumer	NOUN
fbem-18156	24	27	often	often	ADV
fbem-18156	24	28	do	do	AUX
fbem-18156	24	29	not	not	PART
fbem-18156	24	30	have	have	VERB
fbem-18156	24	31	access	access	NOUN
fbem-18156	24	32	to	to	ADP
fbem-18156	24	33	the	the	DET
fbem-18156	24	34	same	same	ADJ
fbem-18156	24	35	information	information	NOUN
fbem-18156	24	36	.	.	PUNCT
fbem-18156	25	1	this	this	DET
fbem-18156	25	2	information	information	NOUN
fbem-18156	25	3	asymmetry	asymmetry	NOUN
fbem-18156	25	4	results	result	NOUN
fbem-18156	25	5	in	in	ADP
fbem-18156	25	6	consumers	consumer	NOUN
fbem-18156	25	7	often	often	ADV
fbem-18156	25	8	being	be	AUX
fbem-18156	25	9	at	at	ADP
fbem-18156	25	10	an	an	DET
fbem-18156	25	11	information	information	NOUN
fbem-18156	25	12	disadvantage	disadvantage	NOUN
fbem-18156	25	13	when	when	SCONJ
fbem-18156	25	14	purchasing	purchase	VERB
fbem-18156	25	15	insurance	insurance	NOUN
fbem-18156	25	16	products	product	NOUN
fbem-18156	25	17	,	,	PUNCT
fbem-18156	25	18	making	make	VERB
fbem-18156	25	19	it	it	PRON
fbem-18156	25	20	difficult	difficult	ADJ
fbem-18156	25	21	for	for	SCONJ
fbem-18156	25	22	them	they	PRON
fbem-18156	25	23	to	to	PART
fbem-18156	25	24	fully	fully	ADV
fbem-18156	25	25	understand	understand	VERB
fbem-18156	25	26	the	the	DET
fbem-18156	25	27	risks	risk	NOUN
fbem-18156	25	28	and	and	CCONJ
fbem-18156	25	29	rewards	reward	NOUN
fbem-18156	25	30	of	of	ADP
fbem-18156	25	31	the	the	DET
fbem-18156	25	32	products	product	NOUN
fbem-18156	25	33	,	,	PUNCT
fbem-18156	25	34	and	and	CCONJ
fbem-18156	25	35	64	64	NUM
fbem-18156	25	36	making	make	VERB
fbem-18156	25	37	them	they	PRON
fbem-18156	25	38	susceptible	susceptible	ADJ
fbem-18156	25	39	to	to	ADP
fbem-18156	25	40	misleading	misleading	ADJ
fbem-18156	25	41	or	or	CCONJ
fbem-18156	25	42	incompletely	incompletely	ADV
fbem-18156	25	43	truthful	truthful	ADJ
fbem-18156	25	44	information	information	NOUN
fbem-18156	25	45	.	.	PUNCT
fbem-18156	26	1	3.2	3.2	NUM
fbem-18156	26	2	.	.	PUNCT
fbem-18156	26	3	impact	impact	NOUN
fbem-18156	26	4	of	of	ADP
fbem-18156	26	5	information	information	NOUN
fbem-18156	26	6	asymmetry	asymmetry	NOUN
fbem-18156	26	7	on	on	ADP
fbem-18156	26	8	the	the	DET
fbem-18156	26	9	insurance	insurance	NOUN
fbem-18156	26	10	market	market	NOUN
fbem-18156	26	11	the	the	DET
fbem-18156	26	12	impact	impact	NOUN
fbem-18156	26	13	of	of	ADP
fbem-18156	26	14	information	information	NOUN
fbem-18156	26	15	asymmetry	asymmetry	NOUN
fbem-18156	26	16	on	on	ADP
fbem-18156	26	17	the	the	DET
fbem-18156	26	18	insurance	insurance	NOUN
fbem-18156	26	19	market	market	NOUN
fbem-18156	26	20	is	be	AUX
fbem-18156	26	21	multifaceted	multifaceted	ADJ
fbem-18156	26	22	.	.	PUNCT
fbem-18156	27	1	firstly	firstly	ADV
fbem-18156	27	2	,	,	PUNCT
fbem-18156	27	3	information	information	NOUN
fbem-18156	27	4	asymmetry	asymmetry	NOUN
fbem-18156	27	5	may	may	AUX
fbem-18156	27	6	lead	lead	VERB
fbem-18156	27	7	to	to	ADP
fbem-18156	27	8	moral	moral	ADJ
fbem-18156	27	9	hazard	hazard	NOUN
fbem-18156	27	10	in	in	ADP
fbem-18156	27	11	the	the	DET
fbem-18156	27	12	market	market	NOUN
fbem-18156	27	13	,	,	PUNCT
fbem-18156	27	14	i.e.	i.e.	X
fbem-18156	27	15	one	one	NUM
fbem-18156	27	16	party	party	NOUN
fbem-18156	27	17	using	use	VERB
fbem-18156	27	18	information	information	NOUN
fbem-18156	27	19	advantage	advantage	NOUN
fbem-18156	27	20	to	to	PART
fbem-18156	27	21	seek	seek	VERB
fbem-18156	27	22	undue	undue	ADJ
fbem-18156	27	23	benefits	benefit	NOUN
fbem-18156	27	24	to	to	ADP
fbem-18156	27	25	the	the	DET
fbem-18156	27	26	detriment	detriment	NOUN
fbem-18156	27	27	of	of	ADP
fbem-18156	27	28	the	the	DET
fbem-18156	27	29	other	other	ADJ
fbem-18156	27	30	party	party	NOUN
fbem-18156	27	31	.	.	PUNCT
fbem-18156	28	1	secondly	secondly	ADV
fbem-18156	28	2	,	,	PUNCT
fbem-18156	28	3	information	information	NOUN
fbem-18156	28	4	asymmetry	asymmetry	NOUN
fbem-18156	28	5	may	may	AUX
fbem-18156	28	6	lead	lead	VERB
fbem-18156	28	7	to	to	ADP
fbem-18156	28	8	imperfect	imperfect	ADJ
fbem-18156	28	9	competition	competition	NOUN
fbem-18156	28	10	and	and	CCONJ
fbem-18156	28	11	inefficiency	inefficiency	NOUN
fbem-18156	28	12	in	in	ADP
fbem-18156	28	13	the	the	DET
fbem-18156	28	14	market	market	NOUN
fbem-18156	28	15	,	,	PUNCT
fbem-18156	28	16	where	where	SCONJ
fbem-18156	28	17	consumers	consumer	NOUN
fbem-18156	28	18	are	be	AUX
fbem-18156	28	19	unable	unable	ADJ
fbem-18156	28	20	to	to	PART
fbem-18156	28	21	make	make	VERB
fbem-18156	28	22	rational	rational	ADJ
fbem-18156	28	23	choices	choice	NOUN
fbem-18156	28	24	based	base	VERB
fbem-18156	28	25	on	on	ADP
fbem-18156	28	26	true	true	ADJ
fbem-18156	28	27	information	information	NOUN
fbem-18156	28	28	,	,	PUNCT
fbem-18156	28	29	thus	thus	ADV
fbem-18156	28	30	affecting	affect	VERB
fbem-18156	28	31	the	the	DET
fbem-18156	28	32	development	development	NOUN
fbem-18156	28	33	and	and	CCONJ
fbem-18156	28	34	efficiency	efficiency	NOUN
fbem-18156	28	35	of	of	ADP
fbem-18156	28	36	the	the	DET
fbem-18156	28	37	market	market	NOUN
fbem-18156	28	38	.	.	PUNCT
fbem-18156	29	1	in	in	ADP
fbem-18156	29	2	addition	addition	NOUN
fbem-18156	29	3	,	,	PUNCT
fbem-18156	29	4	information	information	NOUN
fbem-18156	29	5	asymmetry	asymmetry	NOUN
fbem-18156	29	6	may	may	AUX
fbem-18156	29	7	also	also	ADV
fbem-18156	29	8	lead	lead	VERB
fbem-18156	29	9	to	to	ADP
fbem-18156	29	10	market	market	NOUN
fbem-18156	29	11	instability	instability	NOUN
fbem-18156	29	12	and	and	CCONJ
fbem-18156	29	13	trust	trust	NOUN
fbem-18156	29	14	crisis	crisis	NOUN
fbem-18156	29	15	,	,	PUNCT
fbem-18156	29	16	and	and	CCONJ
fbem-18156	29	17	consumers	consumer	NOUN
fbem-18156	29	18	'	'	PART
fbem-18156	29	19	trust	trust	NOUN
fbem-18156	29	20	in	in	ADP
fbem-18156	29	21	insurance	insurance	NOUN
fbem-18156	29	22	companies	company	NOUN
fbem-18156	29	23	decreases	decrease	VERB
fbem-18156	29	24	,	,	PUNCT
fbem-18156	29	25	affecting	affect	VERB
fbem-18156	29	26	the	the	DET
fbem-18156	29	27	long	long	ADJ
fbem-18156	29	28	-	-	PUNCT
fbem-18156	29	29	term	term	NOUN
fbem-18156	29	30	healthy	healthy	ADJ
fbem-18156	29	31	development	development	NOUN
fbem-18156	29	32	of	of	ADP
fbem-18156	29	33	the	the	DET
fbem-18156	29	34	market	market	NOUN
fbem-18156	29	35	.	.	PUNCT
fbem-18156	30	1	3.3	3.3	NUM
fbem-18156	30	2	.	.	PUNCT
fbem-18156	31	1	game	game	NOUN
fbem-18156	31	2	analysis	analysis	NOUN
fbem-18156	31	3	between	between	ADP
fbem-18156	31	4	insurance	insurance	NOUN
fbem-18156	31	5	companies	company	NOUN
fbem-18156	31	6	and	and	CCONJ
fbem-18156	31	7	consumers	consumer	NOUN
fbem-18156	31	8	in	in	ADP
fbem-18156	31	9	the	the	DET
fbem-18156	31	10	case	case	NOUN
fbem-18156	31	11	of	of	ADP
fbem-18156	31	12	information	information	NOUN
fbem-18156	31	13	asymmetry	asymmetry	NOUN
fbem-18156	31	14	,	,	PUNCT
fbem-18156	31	15	the	the	DET
fbem-18156	31	16	game	game	NOUN
fbem-18156	31	17	between	between	ADP
fbem-18156	31	18	insurance	insurance	NOUN
fbem-18156	31	19	companies	company	NOUN
fbem-18156	31	20	and	and	CCONJ
fbem-18156	31	21	consumers	consumer	NOUN
fbem-18156	31	22	becomes	become	VERB
fbem-18156	31	23	complex	complex	ADJ
fbem-18156	31	24	and	and	CCONJ
fbem-18156	31	25	important	important	ADJ
fbem-18156	31	26	.	.	PUNCT
fbem-18156	32	1	insurance	insurance	NOUN
fbem-18156	32	2	companies	company	NOUN
fbem-18156	32	3	need	need	VERB
fbem-18156	32	4	to	to	PART
fbem-18156	32	5	develop	develop	VERB
fbem-18156	32	6	appropriate	appropriate	ADJ
fbem-18156	32	7	pricing	pricing	NOUN
fbem-18156	32	8	strategies	strategy	NOUN
fbem-18156	32	9	and	and	CCONJ
fbem-18156	32	10	product	product	NOUN
fbem-18156	32	11	designs	design	NOUN
fbem-18156	32	12	to	to	PART
fbem-18156	32	13	maximise	maximise	VERB
fbem-18156	32	14	their	their	PRON
fbem-18156	32	15	information	information	NOUN
fbem-18156	32	16	advantage	advantage	NOUN
fbem-18156	32	17	,	,	PUNCT
fbem-18156	32	18	while	while	SCONJ
fbem-18156	32	19	consumers	consumer	NOUN
fbem-18156	32	20	need	need	VERB
fbem-18156	32	21	to	to	PART
fbem-18156	32	22	protect	protect	VERB
fbem-18156	32	23	their	their	PRON
fbem-18156	32	24	interests	interest	NOUN
fbem-18156	32	25	through	through	ADP
fbem-18156	32	26	comparison	comparison	NOUN
fbem-18156	32	27	and	and	CCONJ
fbem-18156	32	28	negotiation	negotiation	NOUN
fbem-18156	32	29	.	.	PUNCT
fbem-18156	33	1	game	game	NOUN
fbem-18156	33	2	analysis	analysis	NOUN
fbem-18156	33	3	can	can	AUX
fbem-18156	33	4	help	help	VERB
fbem-18156	33	5	us	we	PRON
fbem-18156	33	6	understand	understand	VERB
fbem-18156	33	7	the	the	DET
fbem-18156	33	8	strategic	strategic	ADJ
fbem-18156	33	9	choices	choice	NOUN
fbem-18156	33	10	and	and	CCONJ
fbem-18156	33	11	decisionmaking	decisionmake	VERB
fbem-18156	33	12	processes	process	NOUN
fbem-18156	33	13	of	of	ADP
fbem-18156	33	14	both	both	DET
fbem-18156	33	15	parties	party	NOUN
fbem-18156	33	16	,	,	PUNCT
fbem-18156	33	17	predict	predict	VERB
fbem-18156	33	18	possible	possible	ADJ
fbem-18156	33	19	market	market	NOUN
fbem-18156	33	20	outcomes	outcome	NOUN
fbem-18156	33	21	,	,	PUNCT
fbem-18156	33	22	and	and	CCONJ
fbem-18156	33	23	propose	propose	VERB
fbem-18156	33	24	optimisation	optimisation	NOUN
fbem-18156	33	25	strategies	strategy	NOUN
fbem-18156	33	26	to	to	PART
fbem-18156	33	27	promote	promote	VERB
fbem-18156	33	28	fairness	fairness	NOUN
fbem-18156	33	29	and	and	CCONJ
fbem-18156	33	30	efficiency	efficiency	NOUN
fbem-18156	33	31	in	in	ADP
fbem-18156	33	32	the	the	DET
fbem-18156	33	33	market	market	NOUN
fbem-18156	33	34	.	.	PUNCT
fbem-18156	34	1	4	4	X
fbem-18156	34	2	.	.	NOUN
fbem-18156	34	3	game	game	NOUN
fbem-18156	34	4	strategy	strategy	NOUN
fbem-18156	34	5	optimisation	optimisation	NOUN
fbem-18156	34	6	4.1	4.1	NUM
fbem-18156	34	7	.	.	PUNCT
fbem-18156	34	8	game	game	NOUN
fbem-18156	34	9	strategy	strategy	NOUN
fbem-18156	34	10	optimisation	optimisation	NOUN
fbem-18156	34	11	for	for	ADP
fbem-18156	34	12	insurance	insurance	NOUN
fbem-18156	34	13	companies	company	NOUN
fbem-18156	34	14	4.1.1	4.1.1	NUM
fbem-18156	34	15	.	.	PUNCT
fbem-18156	35	1	improve	improve	VERB
fbem-18156	35	2	information	information	NOUN
fbem-18156	35	3	transparency	transparency	NOUN
fbem-18156	35	4	improving	improve	VERB
fbem-18156	35	5	information	information	NOUN
fbem-18156	35	6	transparency	transparency	NOUN
fbem-18156	35	7	is	be	AUX
fbem-18156	35	8	a	a	DET
fbem-18156	35	9	key	key	ADJ
fbem-18156	35	10	part	part	NOUN
fbem-18156	35	11	of	of	ADP
fbem-18156	35	12	the	the	DET
fbem-18156	35	13	insurance	insurance	NOUN
fbem-18156	35	14	company	company	NOUN
fbem-18156	35	15	's	's	PART
fbem-18156	35	16	game	game	NOUN
fbem-18156	35	17	strategy	strategy	NOUN
fbem-18156	35	18	optimisation	optimisation	NOUN
fbem-18156	35	19	.	.	PUNCT
fbem-18156	36	1	by	by	ADP
fbem-18156	36	2	providing	provide	VERB
fbem-18156	36	3	consumers	consumer	NOUN
fbem-18156	36	4	with	with	ADP
fbem-18156	36	5	clearer	clear	ADJ
fbem-18156	36	6	and	and	CCONJ
fbem-18156	36	7	more	more	ADV
fbem-18156	36	8	comprehensive	comprehensive	ADJ
fbem-18156	36	9	product	product	NOUN
fbem-18156	36	10	information	information	NOUN
fbem-18156	36	11	,	,	PUNCT
fbem-18156	36	12	terms	term	NOUN
fbem-18156	36	13	and	and	CCONJ
fbem-18156	36	14	conditions	condition	NOUN
fbem-18156	36	15	,	,	PUNCT
fbem-18156	36	16	insurance	insurance	NOUN
fbem-18156	36	17	companies	company	NOUN
fbem-18156	36	18	can	can	AUX
fbem-18156	36	19	eliminate	eliminate	VERB
fbem-18156	36	20	the	the	DET
fbem-18156	36	21	possible	possible	ADJ
fbem-18156	36	22	negative	negative	ADJ
fbem-18156	36	23	effects	effect	NOUN
fbem-18156	36	24	of	of	ADP
fbem-18156	36	25	information	information	NOUN
fbem-18156	36	26	asymmetry	asymmetry	NOUN
fbem-18156	36	27	.	.	PUNCT
fbem-18156	37	1	transparency	transparency	NOUN
fbem-18156	37	2	not	not	PART
fbem-18156	37	3	only	only	ADV
fbem-18156	37	4	helps	help	VERB
fbem-18156	37	5	consumers	consumer	NOUN
fbem-18156	37	6	better	well	ADV
fbem-18156	37	7	understand	understand	VERB
fbem-18156	37	8	the	the	DET
fbem-18156	37	9	risks	risk	NOUN
fbem-18156	37	10	and	and	CCONJ
fbem-18156	37	11	rewards	reward	NOUN
fbem-18156	37	12	of	of	ADP
fbem-18156	37	13	insurance	insurance	NOUN
fbem-18156	37	14	products	product	NOUN
fbem-18156	37	15	,	,	PUNCT
fbem-18156	37	16	but	but	CCONJ
fbem-18156	37	17	also	also	ADV
fbem-18156	37	18	builds	build	VERB
fbem-18156	37	19	trust	trust	NOUN
fbem-18156	37	20	in	in	ADP
fbem-18156	37	21	the	the	DET
fbem-18156	37	22	company	company	NOUN
fbem-18156	37	23	.	.	PUNCT
fbem-18156	38	1	insurance	insurance	NOUN
fbem-18156	38	2	companies	company	NOUN
fbem-18156	38	3	can	can	AUX
fbem-18156	38	4	enhance	enhance	VERB
fbem-18156	38	5	information	information	NOUN
fbem-18156	38	6	transparency	transparency	NOUN
fbem-18156	38	7	through	through	ADP
fbem-18156	38	8	various	various	ADJ
fbem-18156	38	9	means	mean	NOUN
fbem-18156	38	10	,	,	PUNCT
fbem-18156	38	11	such	such	ADJ
fbem-18156	38	12	as	as	ADP
fbem-18156	38	13	providing	provide	VERB
fbem-18156	38	14	detailed	detailed	ADJ
fbem-18156	38	15	product	product	NOUN
fbem-18156	38	16	descriptions	description	NOUN
fbem-18156	38	17	and	and	CCONJ
fbem-18156	38	18	faqs	faq	NOUN
fbem-18156	38	19	in	in	ADP
fbem-18156	38	20	product	product	NOUN
fbem-18156	38	21	promotional	promotional	ADJ
fbem-18156	38	22	materials	material	NOUN
fbem-18156	38	23	and	and	CCONJ
fbem-18156	38	24	websites	website	NOUN
fbem-18156	38	25	,	,	PUNCT
fbem-18156	38	26	and	and	CCONJ
fbem-18156	38	27	providing	provide	VERB
fbem-18156	38	28	consumers	consumer	NOUN
fbem-18156	38	29	with	with	ADP
fbem-18156	38	30	regularly	regularly	ADV
fbem-18156	38	31	updated	update	VERB
fbem-18156	38	32	risk	risk	NOUN
fbem-18156	38	33	alerts	alert	NOUN
fbem-18156	38	34	and	and	CCONJ
fbem-18156	38	35	claims	claim	NOUN
fbem-18156	38	36	guidelines	guideline	NOUN
fbem-18156	38	37	.	.	PUNCT
fbem-18156	39	1	in	in	ADP
fbem-18156	39	2	addition	addition	NOUN
fbem-18156	39	3	,	,	PUNCT
fbem-18156	39	4	insurers	insurer	NOUN
fbem-18156	39	5	can	can	AUX
fbem-18156	39	6	enhance	enhance	VERB
fbem-18156	39	7	the	the	DET
fbem-18156	39	8	effectiveness	effectiveness	NOUN
fbem-18156	39	9	and	and	CCONJ
fbem-18156	39	10	credibility	credibility	NOUN
fbem-18156	39	11	of	of	ADP
fbem-18156	39	12	information	information	NOUN
fbem-18156	39	13	transparency	transparency	NOUN
fbem-18156	39	14	by	by	ADP
fbem-18156	39	15	strengthening	strengthen	VERB
fbem-18156	39	16	customer	customer	NOUN
fbem-18156	39	17	service	service	NOUN
fbem-18156	39	18	and	and	CCONJ
fbem-18156	39	19	communication	communication	NOUN
fbem-18156	39	20	,	,	PUNCT
fbem-18156	39	21	and	and	CCONJ
fbem-18156	39	22	responding	respond	VERB
fbem-18156	39	23	to	to	ADP
fbem-18156	39	24	consumers	consumer	NOUN
fbem-18156	39	25	'	'	PART
fbem-18156	39	26	queries	query	NOUN
fbem-18156	39	27	and	and	CCONJ
fbem-18156	39	28	feedback	feedback	VERB
fbem-18156	39	29	in	in	ADP
fbem-18156	39	30	a	a	DET
fbem-18156	39	31	timely	timely	ADJ
fbem-18156	39	32	manner	manner	NOUN
fbem-18156	39	33	.	.	PUNCT
fbem-18156	40	1	in	in	ADP
fbem-18156	40	2	practice	practice	NOUN
fbem-18156	40	3	,	,	PUNCT
fbem-18156	40	4	insurance	insurance	NOUN
fbem-18156	40	5	companies	company	NOUN
fbem-18156	40	6	can	can	AUX
fbem-18156	40	7	formulate	formulate	VERB
fbem-18156	40	8	appropriate	appropriate	ADJ
fbem-18156	40	9	policies	policy	NOUN
fbem-18156	40	10	and	and	CCONJ
fbem-18156	40	11	processes	process	NOUN
fbem-18156	40	12	to	to	PART
fbem-18156	40	13	ensure	ensure	VERB
fbem-18156	40	14	the	the	DET
fbem-18156	40	15	implementation	implementation	NOUN
fbem-18156	40	16	of	of	ADP
fbem-18156	40	17	information	information	NOUN
fbem-18156	40	18	transparency	transparency	NOUN
fbem-18156	40	19	.	.	PUNCT
fbem-18156	41	1	for	for	ADP
fbem-18156	41	2	example	example	NOUN
fbem-18156	41	3	,	,	PUNCT
fbem-18156	41	4	they	they	PRON
fbem-18156	41	5	can	can	AUX
fbem-18156	41	6	establish	establish	VERB
fbem-18156	41	7	an	an	DET
fbem-18156	41	8	information	information	NOUN
fbem-18156	41	9	disclosure	disclosure	NOUN
fbem-18156	41	10	system	system	NOUN
fbem-18156	41	11	to	to	PART
fbem-18156	41	12	regulate	regulate	VERB
fbem-18156	41	13	the	the	DET
fbem-18156	41	14	publicity	publicity	NOUN
fbem-18156	41	15	and	and	CCONJ
fbem-18156	41	16	sales	sale	NOUN
fbem-18156	41	17	behaviour	behaviour	NOUN
fbem-18156	41	18	of	of	ADP
fbem-18156	41	19	insurance	insurance	NOUN
fbem-18156	41	20	products	product	NOUN
fbem-18156	41	21	,	,	PUNCT
fbem-18156	41	22	and	and	CCONJ
fbem-18156	41	23	explicitly	explicitly	ADV
fbem-18156	41	24	require	require	VERB
fbem-18156	41	25	insurance	insurance	NOUN
fbem-18156	41	26	agents	agent	NOUN
fbem-18156	41	27	and	and	CCONJ
fbem-18156	41	28	salespersons	salesperson	NOUN
fbem-18156	41	29	to	to	PART
fbem-18156	41	30	provide	provide	VERB
fbem-18156	41	31	consumers	consumer	NOUN
fbem-18156	41	32	with	with	ADP
fbem-18156	41	33	comprehensive	comprehensive	ADJ
fbem-18156	41	34	and	and	CCONJ
fbem-18156	41	35	accurate	accurate	ADJ
fbem-18156	41	36	product	product	NOUN
fbem-18156	41	37	information	information	NOUN
fbem-18156	41	38	during	during	ADP
fbem-18156	41	39	the	the	DET
fbem-18156	41	40	sales	sale	NOUN
fbem-18156	41	41	process	process	NOUN
fbem-18156	41	42	,	,	PUNCT
fbem-18156	41	43	so	so	SCONJ
fbem-18156	41	44	as	as	SCONJ
fbem-18156	41	45	to	to	PART
fbem-18156	41	46	prevent	prevent	VERB
fbem-18156	41	47	the	the	DET
fbem-18156	41	48	occurrence	occurrence	NOUN
fbem-18156	41	49	of	of	ADP
fbem-18156	41	50	false	false	ADJ
fbem-18156	41	51	publicity	publicity	NOUN
fbem-18156	41	52	and	and	CCONJ
fbem-18156	41	53	misleading	mislead	VERB
fbem-18156	41	54	sales	sale	NOUN
fbem-18156	41	55	behaviour	behaviour	NOUN
fbem-18156	41	56	.	.	PUNCT
fbem-18156	42	1	at	at	ADP
fbem-18156	42	2	the	the	DET
fbem-18156	42	3	same	same	ADJ
fbem-18156	42	4	time	time	NOUN
fbem-18156	42	5	,	,	PUNCT
fbem-18156	42	6	insurance	insurance	NOUN
fbem-18156	42	7	companies	company	NOUN
fbem-18156	42	8	can	can	AUX
fbem-18156	42	9	also	also	ADV
fbem-18156	42	10	make	make	VERB
fbem-18156	42	11	use	use	NOUN
fbem-18156	42	12	of	of	ADP
fbem-18156	42	13	technological	technological	ADJ
fbem-18156	42	14	means	mean	NOUN
fbem-18156	42	15	,	,	PUNCT
fbem-18156	42	16	such	such	ADJ
fbem-18156	42	17	as	as	ADP
fbem-18156	42	18	establishing	establish	VERB
fbem-18156	42	19	online	online	ADJ
fbem-18156	42	20	platforms	platform	NOUN
fbem-18156	42	21	or	or	CCONJ
fbem-18156	42	22	mobile	mobile	ADJ
fbem-18156	42	23	phone	phone	NOUN
fbem-18156	42	24	applications	application	NOUN
fbem-18156	42	25	,	,	PUNCT
fbem-18156	42	26	to	to	PART
fbem-18156	42	27	provide	provide	VERB
fbem-18156	42	28	consumers	consumer	NOUN
fbem-18156	42	29	with	with	ADP
fbem-18156	42	30	convenient	convenient	ADJ
fbem-18156	42	31	information	information	NOUN
fbem-18156	42	32	enquiry	enquiry	NOUN
fbem-18156	42	33	and	and	CCONJ
fbem-18156	42	34	comparison	comparison	NOUN
fbem-18156	42	35	functions	function	NOUN
fbem-18156	42	36	,	,	PUNCT
fbem-18156	42	37	and	and	CCONJ
fbem-18156	42	38	to	to	PART
fbem-18156	42	39	improve	improve	VERB
fbem-18156	42	40	the	the	DET
fbem-18156	42	41	accessibility	accessibility	NOUN
fbem-18156	42	42	and	and	CCONJ
fbem-18156	42	43	convenience	convenience	NOUN
fbem-18156	42	44	of	of	ADP
fbem-18156	42	45	information	information	NOUN
fbem-18156	42	46	transparency	transparency	NOUN
fbem-18156	42	47	.	.	PUNCT
fbem-18156	43	1	through	through	ADP
fbem-18156	43	2	the	the	DET
fbem-18156	43	3	implementation	implementation	NOUN
fbem-18156	43	4	of	of	ADP
fbem-18156	43	5	these	these	DET
fbem-18156	43	6	measures	measure	NOUN
fbem-18156	43	7	,	,	PUNCT
fbem-18156	43	8	insurance	insurance	NOUN
fbem-18156	43	9	companies	company	NOUN
fbem-18156	43	10	can	can	AUX
fbem-18156	43	11	better	well	ADV
fbem-18156	43	12	meet	meet	VERB
fbem-18156	43	13	the	the	DET
fbem-18156	43	14	information	information	NOUN
fbem-18156	43	15	needs	need	NOUN
fbem-18156	43	16	of	of	ADP
fbem-18156	43	17	consumers	consumer	NOUN
fbem-18156	43	18	,	,	PUNCT
fbem-18156	43	19	enhance	enhance	VERB
fbem-18156	43	20	market	market	NOUN
fbem-18156	43	21	competitiveness	competitiveness	NOUN
fbem-18156	43	22	and	and	CCONJ
fbem-18156	43	23	promote	promote	VERB
fbem-18156	43	24	the	the	DET
fbem-18156	43	25	stable	stable	ADJ
fbem-18156	43	26	and	and	CCONJ
fbem-18156	43	27	healthy	healthy	ADJ
fbem-18156	43	28	development	development	NOUN
fbem-18156	43	29	of	of	ADP
fbem-18156	43	30	the	the	DET
fbem-18156	43	31	market	market	NOUN
fbem-18156	43	32	.	.	PUNCT
fbem-18156	44	1	4.1.2	4.1.2	X
fbem-18156	44	2	.	.	X
fbem-18156	44	3	enhance	enhance	VERB
fbem-18156	44	4	risk	risk	NOUN
fbem-18156	44	5	assessment	assessment	NOUN
fbem-18156	44	6	and	and	CCONJ
fbem-18156	44	7	control	control	NOUN
fbem-18156	44	8	under	under	ADP
fbem-18156	44	9	the	the	DET
fbem-18156	44	10	situation	situation	NOUN
fbem-18156	44	11	of	of	ADP
fbem-18156	44	12	information	information	NOUN
fbem-18156	44	13	asymmetry	asymmetry	NOUN
fbem-18156	44	14	,	,	PUNCT
fbem-18156	44	15	insurance	insurance	NOUN
fbem-18156	44	16	companies	company	NOUN
fbem-18156	44	17	need	need	VERB
fbem-18156	44	18	to	to	PART
fbem-18156	44	19	strengthen	strengthen	VERB
fbem-18156	44	20	the	the	DET
fbem-18156	44	21	assessment	assessment	NOUN
fbem-18156	44	22	and	and	CCONJ
fbem-18156	44	23	control	control	NOUN
fbem-18156	44	24	of	of	ADP
fbem-18156	44	25	risk	risk	NOUN
fbem-18156	44	26	in	in	ADP
fbem-18156	44	27	order	order	NOUN
fbem-18156	44	28	to	to	PART
fbem-18156	44	29	optimise	optimise	VERB
fbem-18156	44	30	their	their	PRON
fbem-18156	44	31	gaming	gaming	NOUN
fbem-18156	44	32	strategies	strategy	NOUN
fbem-18156	44	33	.	.	PUNCT
fbem-18156	45	1	risk	risk	NOUN
fbem-18156	45	2	assessment	assessment	NOUN
fbem-18156	45	3	is	be	AUX
fbem-18156	45	4	an	an	DET
fbem-18156	45	5	important	important	ADJ
fbem-18156	45	6	foundation	foundation	NOUN
fbem-18156	45	7	for	for	ADP
fbem-18156	45	8	insurance	insurance	NOUN
fbem-18156	45	9	companies	company	NOUN
fbem-18156	45	10	to	to	PART
fbem-18156	45	11	formulate	formulate	VERB
fbem-18156	45	12	pricing	pricing	NOUN
fbem-18156	45	13	and	and	CCONJ
fbem-18156	45	14	product	product	NOUN
fbem-18156	45	15	design	design	NOUN
fbem-18156	45	16	.	.	PUNCT
fbem-18156	46	1	accurate	accurate	ADJ
fbem-18156	46	2	risk	risk	NOUN
fbem-18156	46	3	assessment	assessment	NOUN
fbem-18156	46	4	can	can	AUX
fbem-18156	46	5	help	help	VERB
fbem-18156	46	6	insurance	insurance	NOUN
fbem-18156	46	7	companies	company	NOUN
fbem-18156	46	8	better	well	ADV
fbem-18156	46	9	understand	understand	VERB
fbem-18156	46	10	the	the	DET
fbem-18156	46	11	risk	risk	NOUN
fbem-18156	46	12	profile	profile	NOUN
fbem-18156	46	13	of	of	ADP
fbem-18156	46	14	their	their	PRON
fbem-18156	46	15	customers	customer	NOUN
fbem-18156	46	16	,	,	PUNCT
fbem-18156	46	17	formulate	formulate	VERB
fbem-18156	46	18	more	more	ADJ
fbem-18156	46	19	reasonable	reasonable	ADJ
fbem-18156	46	20	insurance	insurance	NOUN
fbem-18156	46	21	plans	plan	NOUN
fbem-18156	46	22	and	and	CCONJ
fbem-18156	46	23	reduce	reduce	VERB
fbem-18156	46	24	the	the	DET
fbem-18156	46	25	probability	probability	NOUN
fbem-18156	46	26	of	of	ADP
fbem-18156	46	27	moral	moral	ADJ
fbem-18156	46	28	hazard	hazard	NOUN
fbem-18156	46	29	.	.	PUNCT
fbem-18156	47	1	in	in	ADP
fbem-18156	47	2	order	order	NOUN
fbem-18156	47	3	to	to	PART
fbem-18156	47	4	enhance	enhance	VERB
fbem-18156	47	5	risk	risk	NOUN
fbem-18156	47	6	assessment	assessment	NOUN
fbem-18156	47	7	,	,	PUNCT
fbem-18156	47	8	insurance	insurance	NOUN
fbem-18156	47	9	companies	company	NOUN
fbem-18156	47	10	can	can	AUX
fbem-18156	47	11	make	make	VERB
fbem-18156	47	12	use	use	NOUN
fbem-18156	47	13	of	of	ADP
fbem-18156	47	14	advanced	advanced	ADJ
fbem-18156	47	15	data	datum	NOUN
fbem-18156	47	16	analysis	analysis	NOUN
fbem-18156	47	17	technology	technology	NOUN
fbem-18156	47	18	and	and	CCONJ
fbem-18156	47	19	risk	risk	NOUN
fbem-18156	47	20	models	model	NOUN
fbem-18156	47	21	to	to	PART
fbem-18156	47	22	conduct	conduct	VERB
fbem-18156	47	23	in	in	ADP
fbem-18156	47	24	-	-	PUNCT
fbem-18156	47	25	depth	depth	NOUN
fbem-18156	47	26	analysis	analysis	NOUN
fbem-18156	47	27	and	and	CCONJ
fbem-18156	47	28	research	research	NOUN
fbem-18156	47	29	on	on	ADP
fbem-18156	47	30	customers	customer	NOUN
fbem-18156	47	31	'	'	PART
fbem-18156	47	32	personal	personal	ADJ
fbem-18156	47	33	information	information	NOUN
fbem-18156	47	34	,	,	PUNCT
fbem-18156	47	35	historical	historical	ADJ
fbem-18156	47	36	claims	claim	NOUN
fbem-18156	47	37	records	record	NOUN
fbem-18156	47	38	,	,	PUNCT
fbem-18156	47	39	industry	industry	NOUN
fbem-18156	47	40	risk	risk	NOUN
fbem-18156	47	41	trends	trend	NOUN
fbem-18156	47	42	,	,	PUNCT
fbem-18156	47	43	etc	etc	X
fbem-18156	47	44	.	.	X
fbem-18156	47	45	,	,	PUNCT
fbem-18156	47	46	to	to	PART
fbem-18156	47	47	identify	identify	VERB
fbem-18156	47	48	potential	potential	ADJ
fbem-18156	47	49	risk	risk	NOUN
fbem-18156	47	50	factors	factor	NOUN
fbem-18156	47	51	and	and	CCONJ
fbem-18156	47	52	quantify	quantify	VERB
fbem-18156	47	53	the	the	DET
fbem-18156	47	54	magnitude	magnitude	NOUN
fbem-18156	47	55	and	and	CCONJ
fbem-18156	47	56	likelihood	likelihood	NOUN
fbem-18156	47	57	of	of	ADP
fbem-18156	47	58	risks	risk	NOUN
fbem-18156	47	59	,	,	PUNCT
fbem-18156	47	60	so	so	SCONJ
fbem-18156	47	61	as	as	SCONJ
fbem-18156	47	62	to	to	PART
fbem-18156	47	63	more	more	ADV
fbem-18156	47	64	accurately	accurately	ADV
fbem-18156	47	65	determine	determine	VERB
fbem-18156	47	66	the	the	DET
fbem-18156	47	67	pricing	pricing	NOUN
fbem-18156	47	68	and	and	CCONJ
fbem-18156	47	69	coverage	coverage	NOUN
fbem-18156	47	70	of	of	ADP
fbem-18156	47	71	insurance	insurance	NOUN
fbem-18156	47	72	products	product	NOUN
fbem-18156	47	73	.	.	PUNCT
fbem-18156	48	1	apart	apart	ADV
fbem-18156	48	2	from	from	ADP
fbem-18156	48	3	strengthening	strengthen	VERB
fbem-18156	48	4	risk	risk	NOUN
fbem-18156	48	5	assessment	assessment	NOUN
fbem-18156	48	6	,	,	PUNCT
fbem-18156	48	7	insurance	insurance	NOUN
fbem-18156	48	8	companies	company	NOUN
fbem-18156	48	9	also	also	ADV
fbem-18156	48	10	need	need	VERB
fbem-18156	48	11	to	to	PART
fbem-18156	48	12	enhance	enhance	VERB
fbem-18156	48	13	risk	risk	NOUN
fbem-18156	48	14	control	control	NOUN
fbem-18156	48	15	to	to	PART
fbem-18156	48	16	prevent	prevent	VERB
fbem-18156	48	17	potential	potential	ADJ
fbem-18156	48	18	risks	risk	NOUN
fbem-18156	48	19	and	and	CCONJ
fbem-18156	48	20	losses	loss	NOUN
fbem-18156	48	21	.	.	PUNCT
fbem-18156	49	1	risk	risk	NOUN
fbem-18156	49	2	control	control	NOUN
fbem-18156	49	3	includes	include	VERB
fbem-18156	49	4	various	various	ADJ
fbem-18156	49	5	aspects	aspect	NOUN
fbem-18156	49	6	,	,	PUNCT
fbem-18156	49	7	such	such	ADJ
fbem-18156	49	8	as	as	ADP
fbem-18156	49	9	establishing	establish	VERB
fbem-18156	49	10	a	a	DET
fbem-18156	49	11	sound	sound	ADJ
fbem-18156	49	12	risk	risk	NOUN
fbem-18156	49	13	management	management	NOUN
fbem-18156	49	14	system	system	NOUN
fbem-18156	49	15	and	and	CCONJ
fbem-18156	49	16	internal	internal	ADJ
fbem-18156	49	17	control	control	NOUN
fbem-18156	49	18	system	system	NOUN
fbem-18156	49	19	,	,	PUNCT
fbem-18156	49	20	standardising	standardise	VERB
fbem-18156	49	21	the	the	DET
fbem-18156	49	22	design	design	NOUN
fbem-18156	49	23	and	and	CCONJ
fbem-18156	49	24	sales	sale	NOUN
fbem-18156	49	25	process	process	NOUN
fbem-18156	49	26	of	of	ADP
fbem-18156	49	27	insurance	insurance	NOUN
fbem-18156	49	28	products	product	NOUN
fbem-18156	49	29	,	,	PUNCT
fbem-18156	49	30	strictly	strictly	ADV
fbem-18156	49	31	reviewing	review	VERB
fbem-18156	49	32	and	and	CCONJ
fbem-18156	49	33	supervising	supervise	VERB
fbem-18156	49	34	the	the	DET
fbem-18156	49	35	conduct	conduct	NOUN
fbem-18156	49	36	of	of	ADP
fbem-18156	49	37	insurance	insurance	NOUN
fbem-18156	49	38	agents	agent	NOUN
fbem-18156	49	39	and	and	CCONJ
fbem-18156	49	40	sales	sale	NOUN
fbem-18156	49	41	personnel	personnel	NOUN
fbem-18156	49	42	,	,	PUNCT
fbem-18156	49	43	and	and	CCONJ
fbem-18156	49	44	strengthening	strengthen	VERB
fbem-18156	49	45	the	the	DET
fbem-18156	49	46	supervision	supervision	NOUN
fbem-18156	49	47	and	and	CCONJ
fbem-18156	49	48	tracking	tracking	NOUN
fbem-18156	49	49	of	of	ADP
fbem-18156	49	50	the	the	DET
fbem-18156	49	51	fulfilment	fulfilment	NOUN
fbem-18156	49	52	process	process	NOUN
fbem-18156	49	53	of	of	ADP
fbem-18156	49	54	insurance	insurance	NOUN
fbem-18156	49	55	contracts	contract	NOUN
fbem-18156	49	56	.	.	PUNCT
fbem-18156	50	1	at	at	ADP
fbem-18156	50	2	the	the	DET
fbem-18156	50	3	same	same	ADJ
fbem-18156	50	4	time	time	NOUN
fbem-18156	50	5	,	,	PUNCT
fbem-18156	50	6	insurance	insurance	NOUN
fbem-18156	50	7	companies	company	NOUN
fbem-18156	50	8	can	can	AUX
fbem-18156	50	9	also	also	ADV
fbem-18156	50	10	take	take	VERB
fbem-18156	50	11	measures	measure	NOUN
fbem-18156	50	12	to	to	PART
fbem-18156	50	13	reduce	reduce	VERB
fbem-18156	50	14	their	their	PRON
fbem-18156	50	15	own	own	ADJ
fbem-18156	50	16	risk	risk	NOUN
fbem-18156	50	17	-	-	PUNCT
fbem-18156	50	18	taking	taking	NOUN
fbem-18156	50	19	,	,	PUNCT
fbem-18156	50	20	such	such	ADJ
fbem-18156	50	21	as	as	ADP
fbem-18156	50	22	reasonable	reasonable	ADJ
fbem-18156	50	23	diversification	diversification	NOUN
fbem-18156	50	24	of	of	ADP
fbem-18156	50	25	risk	risk	NOUN
fbem-18156	50	26	investment	investment	NOUN
fbem-18156	50	27	and	and	CCONJ
fbem-18156	50	28	purchase	purchase	NOUN
fbem-18156	50	29	of	of	ADP
fbem-18156	50	30	reinsurance	reinsurance	NOUN
fbem-18156	50	31	.	.	PUNCT
fbem-18156	51	1	by	by	ADP
fbem-18156	51	2	strengthening	strengthen	VERB
fbem-18156	51	3	risk	risk	NOUN
fbem-18156	51	4	assessment	assessment	NOUN
fbem-18156	51	5	and	and	CCONJ
fbem-18156	51	6	control	control	NOUN
fbem-18156	51	7	,	,	PUNCT
fbem-18156	51	8	insurance	insurance	NOUN
fbem-18156	51	9	companies	company	NOUN
fbem-18156	51	10	can	can	AUX
fbem-18156	51	11	effectively	effectively	ADV
fbem-18156	51	12	reduce	reduce	VERB
fbem-18156	51	13	moral	moral	ADJ
fbem-18156	51	14	hazard	hazard	NOUN
fbem-18156	51	15	and	and	CCONJ
fbem-18156	51	16	claims	claim	NOUN
fbem-18156	51	17	risk	risk	NOUN
fbem-18156	51	18	,	,	PUNCT
fbem-18156	51	19	improve	improve	VERB
fbem-18156	51	20	market	market	NOUN
fbem-18156	51	21	efficiency	efficiency	NOUN
fbem-18156	51	22	and	and	CCONJ
fbem-18156	51	23	profitability	profitability	NOUN
fbem-18156	51	24	,	,	PUNCT
fbem-18156	51	25	and	and	CCONJ
fbem-18156	51	26	enhance	enhance	VERB
fbem-18156	51	27	market	market	NOUN
fbem-18156	51	28	competitiveness	competitiveness	NOUN
fbem-18156	51	29	.	.	PUNCT
fbem-18156	52	1	4.1.3	4.1.3	X
fbem-18156	52	2	.	.	PUNCT
fbem-18156	52	3	establishing	establish	VERB
fbem-18156	52	4	long	long	ADJ
fbem-18156	52	5	-	-	PUNCT
fbem-18156	52	6	term	term	NOUN
fbem-18156	52	7	cooperative	cooperative	ADJ
fbem-18156	52	8	relationship	relationship	NOUN
fbem-18156	52	9	establishing	establish	VERB
fbem-18156	52	10	long	long	ADJ
fbem-18156	52	11	-	-	PUNCT
fbem-18156	52	12	term	term	NOUN
fbem-18156	52	13	stable	stable	ADJ
fbem-18156	52	14	cooperative	cooperative	ADJ
fbem-18156	52	15	relationship	relationship	NOUN
fbem-18156	52	16	is	be	AUX
fbem-18156	52	17	one	one	NUM
fbem-18156	52	18	of	of	ADP
fbem-18156	52	19	the	the	DET
fbem-18156	52	20	important	important	ADJ
fbem-18156	52	21	means	mean	NOUN
fbem-18156	52	22	for	for	SCONJ
fbem-18156	52	23	insurance	insurance	NOUN
fbem-18156	52	24	companies	company	NOUN
fbem-18156	52	25	to	to	PART
fbem-18156	52	26	optimise	optimise	VERB
fbem-18156	52	27	their	their	PRON
fbem-18156	52	28	gaming	gaming	NOUN
fbem-18156	52	29	strategy	strategy	NOUN
fbem-18156	52	30	.	.	PUNCT
fbem-18156	53	1	establishing	establish	VERB
fbem-18156	53	2	long	long	ADJ
fbem-18156	53	3	-	-	PUNCT
fbem-18156	53	4	term	term	NOUN
fbem-18156	53	5	cooperative	cooperative	ADJ
fbem-18156	53	6	relationship	relationship	NOUN
fbem-18156	53	7	with	with	ADP
fbem-18156	53	8	consumers	consumer	NOUN
fbem-18156	53	9	can	can	AUX
fbem-18156	53	10	increase	increase	VERB
fbem-18156	53	11	consumers	consumer	NOUN
fbem-18156	53	12	'	'	PART
fbem-18156	53	13	loyalty	loyalty	NOUN
fbem-18156	53	14	to	to	ADP
fbem-18156	53	15	the	the	DET
fbem-18156	53	16	company	company	NOUN
fbem-18156	53	17	,	,	PUNCT
fbem-18156	53	18	improve	improve	VERB
fbem-18156	53	19	customer	customer	NOUN
fbem-18156	53	20	retention	retention	NOUN
fbem-18156	53	21	rate	rate	NOUN
fbem-18156	53	22	and	and	CCONJ
fbem-18156	53	23	word	word	NOUN
fbem-18156	53	24	-	-	PUNCT
fbem-18156	53	25	of	of	ADP
fbem-18156	53	26	-	-	PUNCT
fbem-18156	53	27	mouth	mouth	NOUN
fbem-18156	53	28	effect	effect	NOUN
fbem-18156	53	29	,	,	PUNCT
fbem-18156	53	30	which	which	PRON
fbem-18156	53	31	is	be	AUX
fbem-18156	53	32	conducive	conducive	ADJ
fbem-18156	53	33	to	to	ADP
fbem-18156	53	34	the	the	DET
fbem-18156	53	35	insurance	insurance	NOUN
fbem-18156	53	36	company	company	NOUN
fbem-18156	53	37	's	's	PART
fbem-18156	53	38	stable	stable	ADJ
fbem-18156	53	39	market	market	NOUN
fbem-18156	53	40	share	share	NOUN
fbem-18156	53	41	and	and	CCONJ
fbem-18156	53	42	source	source	NOUN
fbem-18156	53	43	of	of	ADP
fbem-18156	53	44	income	income	NOUN
fbem-18156	53	45	.	.	PUNCT
fbem-18156	54	1	long	long	ADJ
fbem-18156	54	2	-	-	PUNCT
fbem-18156	54	3	term	term	NOUN
fbem-18156	54	4	cooperative	cooperative	ADJ
fbem-18156	54	5	relationship	relationship	NOUN
fbem-18156	54	6	can	can	AUX
fbem-18156	54	7	not	not	PART
fbem-18156	54	8	only	only	ADV
fbem-18156	54	9	bring	bring	VERB
fbem-18156	54	10	stable	stable	ADJ
fbem-18156	54	11	economic	economic	ADJ
fbem-18156	54	12	benefits	benefit	NOUN
fbem-18156	54	13	for	for	ADP
fbem-18156	54	14	insurance	insurance	NOUN
fbem-18156	54	15	companies	company	NOUN
fbem-18156	54	16	,	,	PUNCT
fbem-18156	54	17	but	but	CCONJ
fbem-18156	54	18	also	also	ADV
fbem-18156	54	19	help	help	VERB
fbem-18156	54	20	to	to	PART
fbem-18156	54	21	establish	establish	VERB
fbem-18156	54	22	a	a	DET
fbem-18156	54	23	good	good	ADJ
fbem-18156	54	24	corporate	corporate	ADJ
fbem-18156	54	25	image	image	NOUN
fbem-18156	54	26	and	and	CCONJ
fbem-18156	54	27	brand	brand	NOUN
fbem-18156	54	28	reputation	reputation	NOUN
fbem-18156	54	29	,	,	PUNCT
fbem-18156	54	30	enhance	enhance	VERB
fbem-18156	54	31	market	market	NOUN
fbem-18156	54	32	competitiveness	competitiveness	NOUN
fbem-18156	54	33	and	and	CCONJ
fbem-18156	54	34	sustainable	sustainable	ADJ
fbem-18156	54	35	development	development	NOUN
fbem-18156	54	36	ability	ability	NOUN
fbem-18156	54	37	.	.	PUNCT
fbem-18156	55	1	to	to	PART
fbem-18156	55	2	establish	establish	VERB
fbem-18156	55	3	long	long	ADJ
fbem-18156	55	4	-	-	PUNCT
fbem-18156	55	5	term	term	NOUN
fbem-18156	55	6	cooperative	cooperative	ADJ
fbem-18156	55	7	relationships	relationship	NOUN
fbem-18156	55	8	,	,	PUNCT
fbem-18156	55	9	insurance	insurance	NOUN
fbem-18156	55	10	companies	company	NOUN
fbem-18156	55	11	need	need	VERB
fbem-18156	55	12	to	to	PART
fbem-18156	55	13	formulate	formulate	VERB
fbem-18156	55	14	corresponding	corresponding	ADJ
fbem-18156	55	15	strategies	strategy	NOUN
fbem-18156	55	16	and	and	CCONJ
fbem-18156	55	17	measures	measure	NOUN
fbem-18156	55	18	,	,	PUNCT
fbem-18156	55	19	actively	actively	ADV
fbem-18156	55	20	carry	carry	VERB
fbem-18156	55	21	out	out	ADP
fbem-18156	55	22	customer	customer	NOUN
fbem-18156	55	23	relationship	relationship	NOUN
fbem-18156	55	24	management	management	NOUN
fbem-18156	55	25	and	and	CCONJ
fbem-18156	55	26	service	service	NOUN
fbem-18156	55	27	marketing	marketing	NOUN
fbem-18156	55	28	,	,	PUNCT
fbem-18156	55	29	strengthen	strengthen	VERB
fbem-18156	55	30	customer	customer	NOUN
fbem-18156	55	31	care	care	NOUN
fbem-18156	55	32	and	and	CCONJ
fbem-18156	55	33	communication	communication	NOUN
fbem-18156	55	34	,	,	PUNCT
fbem-18156	55	35	provide	provide	VERB
fbem-18156	55	36	personalised	personalised	ADJ
fbem-18156	55	37	insurance	insurance	NOUN
fbem-18156	55	38	solutions	solution	NOUN
fbem-18156	55	39	and	and	CCONJ
fbem-18156	55	40	professional	professional	ADJ
fbem-18156	55	41	service	service	NOUN
fbem-18156	55	42	support	support	NOUN
fbem-18156	55	43	,	,	PUNCT
fbem-18156	55	44	and	and	CCONJ
fbem-18156	55	45	establish	establish	VERB
fbem-18156	55	46	a	a	DET
fbem-18156	55	47	good	good	ADJ
fbem-18156	55	48	corporate	corporate	ADJ
fbem-18156	55	49	image	image	NOUN
fbem-18156	55	50	and	and	CCONJ
fbem-18156	55	51	brand	brand	NOUN
fbem-18156	55	52	reputation	reputation	NOUN
fbem-18156	55	53	.	.	PUNCT
fbem-18156	56	1	in	in	ADP
fbem-18156	56	2	addition	addition	NOUN
fbem-18156	56	3	,	,	PUNCT
fbem-18156	56	4	insurance	insurance	NOUN
fbem-18156	56	5	companies	company	NOUN
fbem-18156	56	6	can	can	AUX
fbem-18156	56	7	also	also	ADV
fbem-18156	56	8	incentivise	incentivise	VERB
fbem-18156	56	9	customers	customer	NOUN
fbem-18156	56	10	to	to	PART
fbem-18156	56	11	increase	increase	VERB
fbem-18156	56	12	their	their	PRON
fbem-18156	56	13	loyalty	loyalty	NOUN
fbem-18156	56	14	and	and	CCONJ
fbem-18156	56	15	enhance	enhance	VERB
fbem-18156	56	16	the	the	DET
fbem-18156	56	17	stickiness	stickiness	NOUN
fbem-18156	56	18	and	and	CCONJ
fbem-18156	56	19	stability	stability	NOUN
fbem-18156	56	20	of	of	ADP
fbem-18156	56	21	long	long	ADJ
fbem-18156	56	22	-	-	PUNCT
fbem-18156	56	23	term	term	NOUN
fbem-18156	56	24	partnerships	partnership	NOUN
fbem-18156	56	25	by	by	ADP
fbem-18156	56	26	launching	launch	VERB
fbem-18156	56	27	membership	membership	NOUN
fbem-18156	56	28	schemes	scheme	NOUN
fbem-18156	56	29	and	and	CCONJ
fbem-18156	56	30	point	point	VERB
fbem-18156	56	31	rewards	reward	NOUN
fbem-18156	56	32	.	.	PUNCT
fbem-18156	57	1	through	through	ADP
fbem-18156	57	2	the	the	DET
fbem-18156	57	3	establishment	establishment	NOUN
fbem-18156	57	4	of	of	ADP
fbem-18156	57	5	long	long	ADJ
fbem-18156	57	6	-	-	PUNCT
fbem-18156	57	7	term	term	NOUN
fbem-18156	57	8	cooperative	cooperative	ADJ
fbem-18156	57	9	65	65	NUM
fbem-18156	57	10	relationships	relationship	NOUN
fbem-18156	57	11	,	,	PUNCT
fbem-18156	57	12	insurance	insurance	NOUN
fbem-18156	57	13	companies	company	NOUN
fbem-18156	57	14	can	can	AUX
fbem-18156	57	15	better	well	ADV
fbem-18156	57	16	understand	understand	VERB
fbem-18156	57	17	customer	customer	NOUN
fbem-18156	57	18	needs	need	NOUN
fbem-18156	57	19	,	,	PUNCT
fbem-18156	57	20	provide	provide	VERB
fbem-18156	57	21	better	well	ADJ
fbem-18156	57	22	insurance	insurance	NOUN
fbem-18156	57	23	products	product	NOUN
fbem-18156	57	24	and	and	CCONJ
fbem-18156	57	25	services	service	NOUN
fbem-18156	57	26	,	,	PUNCT
fbem-18156	57	27	enhance	enhance	VERB
fbem-18156	57	28	market	market	NOUN
fbem-18156	57	29	competitiveness	competitiveness	NOUN
fbem-18156	57	30	and	and	CCONJ
fbem-18156	57	31	profitability	profitability	NOUN
fbem-18156	57	32	,	,	PUNCT
fbem-18156	57	33	and	and	CCONJ
fbem-18156	57	34	achieve	achieve	VERB
fbem-18156	57	35	a	a	DET
fbem-18156	57	36	win	win	NOUN
fbem-18156	57	37	-	-	PUNCT
fbem-18156	57	38	win	win	NOUN
fbem-18156	57	39	situation	situation	NOUN
fbem-18156	57	40	.	.	PUNCT
fbem-18156	58	1	4.1.4	4.1.4	X
fbem-18156	58	2	.	.	PUNCT
fbem-18156	59	1	summary	summary	NOUN
fbem-18156	59	2	in	in	ADP
fbem-18156	59	3	the	the	DET
fbem-18156	59	4	insurance	insurance	NOUN
fbem-18156	59	5	market	market	NOUN
fbem-18156	59	6	,	,	PUNCT
fbem-18156	59	7	the	the	DET
fbem-18156	59	8	optimisation	optimisation	NOUN
fbem-18156	59	9	of	of	ADP
fbem-18156	59	10	insurers	insurer	NOUN
fbem-18156	59	11	'	'	PART
fbem-18156	59	12	gaming	gaming	NOUN
fbem-18156	59	13	strategies	strategy	NOUN
fbem-18156	59	14	is	be	AUX
fbem-18156	59	15	an	an	DET
fbem-18156	59	16	important	important	ADJ
fbem-18156	59	17	step	step	NOUN
fbem-18156	59	18	to	to	PART
fbem-18156	59	19	promote	promote	VERB
fbem-18156	59	20	the	the	DET
fbem-18156	59	21	healthy	healthy	ADJ
fbem-18156	59	22	development	development	NOUN
fbem-18156	59	23	of	of	ADP
fbem-18156	59	24	the	the	DET
fbem-18156	59	25	market	market	NOUN
fbem-18156	59	26	and	and	CCONJ
fbem-18156	59	27	improve	improve	VERB
fbem-18156	59	28	market	market	NOUN
fbem-18156	59	29	efficiency	efficiency	NOUN
fbem-18156	59	30	.	.	PUNCT
fbem-18156	60	1	measures	measure	NOUN
fbem-18156	60	2	such	such	ADJ
fbem-18156	60	3	as	as	ADP
fbem-18156	60	4	improving	improve	VERB
fbem-18156	60	5	the	the	DET
fbem-18156	60	6	transparency	transparency	NOUN
fbem-18156	60	7	of	of	ADP
fbem-18156	60	8	information	information	NOUN
fbem-18156	60	9	,	,	PUNCT
fbem-18156	60	10	strengthening	strengthen	VERB
fbem-18156	60	11	risk	risk	NOUN
fbem-18156	60	12	assessment	assessment	NOUN
fbem-18156	60	13	and	and	CCONJ
fbem-18156	60	14	control	control	NOUN
fbem-18156	60	15	,	,	PUNCT
fbem-18156	60	16	and	and	CCONJ
fbem-18156	60	17	establishing	establish	VERB
fbem-18156	60	18	long	long	ADJ
fbem-18156	60	19	-	-	PUNCT
fbem-18156	60	20	term	term	NOUN
fbem-18156	60	21	cooperative	cooperative	ADJ
fbem-18156	60	22	relationships	relationship	NOUN
fbem-18156	60	23	can	can	AUX
fbem-18156	60	24	help	help	VERB
fbem-18156	60	25	insurance	insurance	NOUN
fbem-18156	60	26	companies	company	NOUN
fbem-18156	60	27	better	well	ADV
fbem-18156	60	28	cope	cope	VERB
fbem-18156	60	29	with	with	ADP
fbem-18156	60	30	the	the	DET
fbem-18156	60	31	challenge	challenge	NOUN
fbem-18156	60	32	of	of	ADP
fbem-18156	60	33	information	information	NOUN
fbem-18156	60	34	asymmetry	asymmetry	NOUN
fbem-18156	60	35	,	,	PUNCT
fbem-18156	60	36	optimise	optimise	VERB
fbem-18156	60	37	their	their	PRON
fbem-18156	60	38	gaming	gaming	NOUN
fbem-18156	60	39	strategies	strategy	NOUN
fbem-18156	60	40	,	,	PUNCT
fbem-18156	60	41	improve	improve	VERB
fbem-18156	60	42	market	market	NOUN
fbem-18156	60	43	competitiveness	competitiveness	NOUN
fbem-18156	60	44	and	and	CCONJ
fbem-18156	60	45	profitability	profitability	NOUN
fbem-18156	60	46	,	,	PUNCT
fbem-18156	60	47	and	and	CCONJ
fbem-18156	60	48	achieve	achieve	VERB
fbem-18156	60	49	sustainable	sustainable	ADJ
fbem-18156	60	50	development	development	NOUN
fbem-18156	60	51	.	.	PUNCT
fbem-18156	61	1	insurance	insurance	NOUN
fbem-18156	61	2	companies	company	NOUN
fbem-18156	61	3	should	should	AUX
fbem-18156	61	4	actively	actively	ADV
fbem-18156	61	5	adopt	adopt	VERB
fbem-18156	61	6	these	these	DET
fbem-18156	61	7	measures	measure	NOUN
fbem-18156	61	8	,	,	PUNCT
fbem-18156	61	9	continuously	continuously	ADV
fbem-18156	61	10	optimise	optimise	VERB
fbem-18156	61	11	their	their	PRON
fbem-18156	61	12	gaming	gaming	NOUN
fbem-18156	61	13	strategies	strategy	NOUN
fbem-18156	61	14	,	,	PUNCT
fbem-18156	61	15	continuously	continuously	ADV
fbem-18156	61	16	improve	improve	VERB
fbem-18156	61	17	their	their	PRON
fbem-18156	61	18	service	service	NOUN
fbem-18156	61	19	level	level	NOUN
fbem-18156	61	20	and	and	CCONJ
fbem-18156	61	21	market	market	NOUN
fbem-18156	61	22	competitiveness	competitiveness	NOUN
fbem-18156	61	23	,	,	PUNCT
fbem-18156	61	24	provide	provide	VERB
fbem-18156	61	25	consumers	consumer	NOUN
fbem-18156	61	26	with	with	ADP
fbem-18156	61	27	better	well	ADJ
fbem-18156	61	28	insurance	insurance	NOUN
fbem-18156	61	29	products	product	NOUN
fbem-18156	61	30	and	and	CCONJ
fbem-18156	61	31	services	service	NOUN
fbem-18156	61	32	,	,	PUNCT
fbem-18156	61	33	and	and	CCONJ
fbem-18156	61	34	promote	promote	VERB
fbem-18156	61	35	the	the	DET
fbem-18156	61	36	healthy	healthy	ADJ
fbem-18156	61	37	development	development	NOUN
fbem-18156	61	38	of	of	ADP
fbem-18156	61	39	the	the	DET
fbem-18156	61	40	insurance	insurance	NOUN
fbem-18156	61	41	market	market	NOUN
fbem-18156	61	42	.	.	PUNCT
fbem-18156	62	1	4.2	4.2	NUM
fbem-18156	62	2	.	.	PUNCT
fbem-18156	62	3	optimisation	optimisation	NOUN
fbem-18156	62	4	of	of	ADP
fbem-18156	62	5	consumers	consumer	NOUN
fbem-18156	62	6	'	'	PART
fbem-18156	62	7	gaming	gaming	NOUN
fbem-18156	62	8	strategies	strategy	NOUN
fbem-18156	62	9	4.2.1	4.2.1	NOUN
fbem-18156	62	10	.	.	PUNCT
fbem-18156	62	11	enhance	enhance	VERB
fbem-18156	62	12	the	the	DET
fbem-18156	62	13	awareness	awareness	NOUN
fbem-18156	62	14	of	of	ADP
fbem-18156	62	15	self	self	NOUN
fbem-18156	62	16	-	-	PUNCT
fbem-18156	62	17	protection	protection	NOUN
fbem-18156	62	18	consumers	consumer	NOUN
fbem-18156	62	19	should	should	AUX
fbem-18156	62	20	enhance	enhance	VERB
fbem-18156	62	21	their	their	PRON
fbem-18156	62	22	awareness	awareness	NOUN
fbem-18156	62	23	of	of	ADP
fbem-18156	62	24	selfprotection	selfprotection	NOUN
fbem-18156	62	25	to	to	PART
fbem-18156	62	26	better	well	ADV
fbem-18156	62	27	protect	protect	VERB
fbem-18156	62	28	their	their	PRON
fbem-18156	62	29	own	own	ADJ
fbem-18156	62	30	interests	interest	NOUN
fbem-18156	62	31	in	in	ADP
fbem-18156	62	32	the	the	DET
fbem-18156	62	33	face	face	NOUN
fbem-18156	62	34	of	of	ADP
fbem-18156	62	35	information	information	NOUN
fbem-18156	62	36	asymmetry	asymmetry	NOUN
fbem-18156	62	37	in	in	ADP
fbem-18156	62	38	the	the	DET
fbem-18156	62	39	insurance	insurance	NOUN
fbem-18156	62	40	market	market	NOUN
fbem-18156	62	41	.	.	PUNCT
fbem-18156	63	1	first	first	ADV
fbem-18156	63	2	of	of	ADP
fbem-18156	63	3	all	all	PRON
fbem-18156	63	4	,	,	PUNCT
fbem-18156	63	5	consumers	consumer	NOUN
fbem-18156	63	6	should	should	AUX
fbem-18156	63	7	recognise	recognise	VERB
fbem-18156	63	8	their	their	PRON
fbem-18156	63	9	own	own	ADJ
fbem-18156	63	10	risk	risk	NOUN
fbem-18156	63	11	situation	situation	NOUN
fbem-18156	63	12	,	,	PUNCT
fbem-18156	63	13	rationally	rationally	ADV
fbem-18156	63	14	assess	assess	VERB
fbem-18156	63	15	the	the	DET
fbem-18156	63	16	insurance	insurance	NOUN
fbem-18156	63	17	protection	protection	NOUN
fbem-18156	63	18	they	they	PRON
fbem-18156	63	19	need	need	VERB
fbem-18156	63	20	,	,	PUNCT
fbem-18156	63	21	and	and	CCONJ
fbem-18156	63	22	not	not	PART
fbem-18156	63	23	blindly	blindly	ADV
fbem-18156	63	24	follow	follow	VERB
fbem-18156	63	25	the	the	DET
fbem-18156	63	26	trend	trend	NOUN
fbem-18156	63	27	of	of	ADP
fbem-18156	63	28	buying	buy	VERB
fbem-18156	63	29	insurance	insurance	NOUN
fbem-18156	63	30	products	product	NOUN
fbem-18156	63	31	.	.	PUNCT
fbem-18156	64	1	by	by	ADP
fbem-18156	64	2	understanding	understand	VERB
fbem-18156	64	3	their	their	PRON
fbem-18156	64	4	own	own	ADJ
fbem-18156	64	5	living	living	NOUN
fbem-18156	64	6	,	,	PUNCT
fbem-18156	64	7	property	property	NOUN
fbem-18156	64	8	and	and	CCONJ
fbem-18156	64	9	health	health	NOUN
fbem-18156	64	10	conditions	condition	NOUN
fbem-18156	64	11	,	,	PUNCT
fbem-18156	64	12	consumers	consumer	NOUN
fbem-18156	64	13	can	can	AUX
fbem-18156	64	14	more	more	ADV
fbem-18156	64	15	accurately	accurately	ADV
fbem-18156	64	16	choose	choose	VERB
fbem-18156	64	17	insurance	insurance	NOUN
fbem-18156	64	18	products	product	NOUN
fbem-18156	64	19	that	that	PRON
fbem-18156	64	20	are	be	AUX
fbem-18156	64	21	suitable	suitable	ADJ
fbem-18156	64	22	for	for	ADP
fbem-18156	64	23	them	they	PRON
fbem-18156	64	24	and	and	CCONJ
fbem-18156	64	25	avoid	avoid	VERB
fbem-18156	64	26	problems	problem	NOUN
fbem-18156	64	27	such	such	ADJ
fbem-18156	64	28	as	as	ADP
fbem-18156	64	29	insufficient	insufficient	ADJ
fbem-18156	64	30	insurance	insurance	NOUN
fbem-18156	64	31	coverage	coverage	NOUN
fbem-18156	64	32	or	or	CCONJ
fbem-18156	64	33	repeated	repeat	VERB
fbem-18156	64	34	purchases	purchase	NOUN
fbem-18156	64	35	due	due	ADP
fbem-18156	64	36	to	to	ADP
fbem-18156	64	37	information	information	NOUN
fbem-18156	64	38	asymmetry	asymmetry	NOUN
fbem-18156	64	39	.	.	PUNCT
fbem-18156	65	1	secondly	secondly	ADV
fbem-18156	65	2	,	,	PUNCT
fbem-18156	65	3	consumers	consumer	NOUN
fbem-18156	65	4	should	should	AUX
fbem-18156	65	5	update	update	VERB
fbem-18156	65	6	and	and	CCONJ
fbem-18156	65	7	adjust	adjust	VERB
fbem-18156	65	8	their	their	PRON
fbem-18156	65	9	insurance	insurance	NOUN
fbem-18156	65	10	plans	plan	NOUN
fbem-18156	65	11	in	in	ADP
fbem-18156	65	12	a	a	DET
fbem-18156	65	13	timely	timely	ADJ
fbem-18156	65	14	manner	manner	NOUN
fbem-18156	65	15	,	,	PUNCT
fbem-18156	65	16	adjusting	adjust	VERB
fbem-18156	65	17	their	their	PRON
fbem-18156	65	18	insurance	insurance	NOUN
fbem-18156	65	19	coverage	coverage	NOUN
fbem-18156	65	20	in	in	ADP
fbem-18156	65	21	accordance	accordance	NOUN
fbem-18156	65	22	with	with	ADP
fbem-18156	65	23	changes	change	NOUN
fbem-18156	65	24	in	in	ADP
fbem-18156	65	25	their	their	PRON
fbem-18156	65	26	lives	life	NOUN
fbem-18156	65	27	and	and	CCONJ
fbem-18156	65	28	risks	risk	NOUN
fbem-18156	65	29	to	to	PART
fbem-18156	65	30	ensure	ensure	VERB
fbem-18156	65	31	the	the	DET
fbem-18156	65	32	timeliness	timeliness	NOUN
fbem-18156	65	33	and	and	CCONJ
fbem-18156	65	34	effectiveness	effectiveness	NOUN
fbem-18156	65	35	of	of	ADP
fbem-18156	65	36	insurance	insurance	NOUN
fbem-18156	65	37	coverage	coverage	NOUN
fbem-18156	65	38	.	.	PUNCT
fbem-18156	66	1	finally	finally	ADV
fbem-18156	66	2	,	,	PUNCT
fbem-18156	66	3	consumers	consumer	NOUN
fbem-18156	66	4	should	should	AUX
fbem-18156	66	5	remain	remain	VERB
fbem-18156	66	6	vigilant	vigilant	ADJ
fbem-18156	66	7	,	,	PUNCT
fbem-18156	66	8	keep	keep	VERB
fbem-18156	66	9	a	a	DET
fbem-18156	66	10	rational	rational	ADJ
fbem-18156	66	11	and	and	CCONJ
fbem-18156	66	12	sceptical	sceptical	ADJ
fbem-18156	66	13	attitude	attitude	NOUN
fbem-18156	66	14	towards	towards	ADP
fbem-18156	66	15	the	the	DET
fbem-18156	66	16	promotion	promotion	NOUN
fbem-18156	66	17	and	and	CCONJ
fbem-18156	66	18	sales	sale	NOUN
fbem-18156	66	19	practices	practice	NOUN
fbem-18156	66	20	of	of	ADP
fbem-18156	66	21	insurance	insurance	NOUN
fbem-18156	66	22	products	product	NOUN
fbem-18156	66	23	,	,	PUNCT
fbem-18156	66	24	avoid	avoid	VERB
fbem-18156	66	25	being	be	AUX
fbem-18156	66	26	influenced	influence	VERB
fbem-18156	66	27	by	by	ADP
fbem-18156	66	28	inaccurate	inaccurate	ADJ
fbem-18156	66	29	promotion	promotion	NOUN
fbem-18156	66	30	and	and	CCONJ
fbem-18156	66	31	misleading	mislead	VERB
fbem-18156	66	32	sales	sale	NOUN
fbem-18156	66	33	practices	practice	NOUN
fbem-18156	66	34	,	,	PUNCT
fbem-18156	66	35	and	and	CCONJ
fbem-18156	66	36	guard	guard	VERB
fbem-18156	66	37	against	against	ADP
fbem-18156	66	38	potential	potential	ADJ
fbem-18156	66	39	fraud	fraud	NOUN
fbem-18156	66	40	risks	risk	NOUN
fbem-18156	66	41	.	.	PUNCT
fbem-18156	67	1	4.2.2	4.2.2	X
fbem-18156	67	2	.	.	PUNCT
fbem-18156	67	3	improving	improve	VERB
fbem-18156	67	4	insurance	insurance	NOUN
fbem-18156	67	5	knowledge	knowledge	NOUN
fbem-18156	67	6	improving	improve	VERB
fbem-18156	67	7	insurance	insurance	NOUN
fbem-18156	67	8	knowledge	knowledge	NOUN
fbem-18156	67	9	is	be	AUX
fbem-18156	67	10	one	one	NUM
fbem-18156	67	11	of	of	ADP
fbem-18156	67	12	the	the	DET
fbem-18156	67	13	important	important	ADJ
fbem-18156	67	14	ways	way	NOUN
fbem-18156	67	15	for	for	SCONJ
fbem-18156	67	16	consumers	consumer	NOUN
fbem-18156	67	17	to	to	PART
fbem-18156	67	18	optimise	optimise	VERB
fbem-18156	67	19	their	their	PRON
fbem-18156	67	20	gaming	gaming	NOUN
fbem-18156	67	21	strategies	strategy	NOUN
fbem-18156	67	22	.	.	PUNCT
fbem-18156	68	1	understanding	understand	VERB
fbem-18156	68	2	the	the	DET
fbem-18156	68	3	basic	basic	ADJ
fbem-18156	68	4	principles	principle	NOUN
fbem-18156	68	5	,	,	PUNCT
fbem-18156	68	6	terms	term	NOUN
fbem-18156	68	7	and	and	CCONJ
fbem-18156	68	8	conditions	condition	NOUN
fbem-18156	68	9	of	of	ADP
fbem-18156	68	10	insurance	insurance	NOUN
fbem-18156	68	11	products	product	NOUN
fbem-18156	68	12	and	and	CCONJ
fbem-18156	68	13	being	be	AUX
fbem-18156	68	14	familiar	familiar	ADJ
fbem-18156	68	15	with	with	ADP
fbem-18156	68	16	the	the	DET
fbem-18156	68	17	operation	operation	NOUN
fbem-18156	68	18	mechanism	mechanism	NOUN
fbem-18156	68	19	of	of	ADP
fbem-18156	68	20	the	the	DET
fbem-18156	68	21	insurance	insurance	NOUN
fbem-18156	68	22	market	market	NOUN
fbem-18156	68	23	can	can	AUX
fbem-18156	68	24	help	help	VERB
fbem-18156	68	25	consumers	consumer	NOUN
fbem-18156	68	26	better	well	ADV
fbem-18156	68	27	understand	understand	VERB
fbem-18156	68	28	and	and	CCONJ
fbem-18156	68	29	choose	choose	VERB
fbem-18156	68	30	insurance	insurance	NOUN
fbem-18156	68	31	products	product	NOUN
fbem-18156	68	32	and	and	CCONJ
fbem-18156	68	33	improve	improve	VERB
fbem-18156	68	34	the	the	DET
fbem-18156	68	35	accuracy	accuracy	NOUN
fbem-18156	68	36	and	and	CCONJ
fbem-18156	68	37	efficiency	efficiency	NOUN
fbem-18156	68	38	of	of	ADP
fbem-18156	68	39	choosing	choose	VERB
fbem-18156	68	40	insurance	insurance	NOUN
fbem-18156	68	41	products	product	NOUN
fbem-18156	68	42	.	.	PUNCT
fbem-18156	69	1	consumers	consumer	NOUN
fbem-18156	69	2	can	can	AUX
fbem-18156	69	3	improve	improve	VERB
fbem-18156	69	4	their	their	PRON
fbem-18156	69	5	insurance	insurance	NOUN
fbem-18156	69	6	knowledge	knowledge	NOUN
fbem-18156	69	7	by	by	ADP
fbem-18156	69	8	attending	attend	VERB
fbem-18156	69	9	insurance	insurance	NOUN
fbem-18156	69	10	knowledge	knowledge	NOUN
fbem-18156	69	11	training	training	NOUN
fbem-18156	69	12	courses	course	NOUN
fbem-18156	69	13	,	,	PUNCT
fbem-18156	69	14	reading	read	VERB
fbem-18156	69	15	insurance	insurance	NOUN
fbem-18156	69	16	-	-	PUNCT
fbem-18156	69	17	related	relate	VERB
fbem-18156	69	18	books	book	NOUN
fbem-18156	69	19	and	and	CCONJ
fbem-18156	69	20	materials	material	NOUN
fbem-18156	69	21	,	,	PUNCT
fbem-18156	69	22	and	and	CCONJ
fbem-18156	69	23	consulting	consult	VERB
fbem-18156	69	24	professionals	professional	NOUN
fbem-18156	69	25	.	.	PUNCT
fbem-18156	70	1	in	in	ADP
fbem-18156	70	2	addition	addition	NOUN
fbem-18156	70	3	,	,	PUNCT
fbem-18156	70	4	consumers	consumer	NOUN
fbem-18156	70	5	can	can	AUX
fbem-18156	70	6	make	make	VERB
fbem-18156	70	7	use	use	NOUN
fbem-18156	70	8	of	of	ADP
fbem-18156	70	9	new	new	ADJ
fbem-18156	70	10	media	medium	NOUN
fbem-18156	70	11	platforms	platform	NOUN
fbem-18156	70	12	,	,	PUNCT
fbem-18156	70	13	such	such	ADJ
fbem-18156	70	14	as	as	ADP
fbem-18156	70	15	the	the	DET
fbem-18156	70	16	internet	internet	NOUN
fbem-18156	70	17	and	and	CCONJ
fbem-18156	70	18	mobile	mobile	ADJ
fbem-18156	70	19	applications	application	NOUN
fbem-18156	70	20	,	,	PUNCT
fbem-18156	70	21	to	to	PART
fbem-18156	70	22	obtain	obtain	VERB
fbem-18156	70	23	more	more	ADV
fbem-18156	70	24	comprehensive	comprehensive	ADJ
fbem-18156	70	25	and	and	CCONJ
fbem-18156	70	26	timely	timely	ADJ
fbem-18156	70	27	insurance	insurance	NOUN
fbem-18156	70	28	information	information	NOUN
fbem-18156	70	29	,	,	PUNCT
fbem-18156	70	30	and	and	CCONJ
fbem-18156	70	31	improve	improve	VERB
fbem-18156	70	32	their	their	PRON
fbem-18156	70	33	understanding	understanding	NOUN
fbem-18156	70	34	and	and	CCONJ
fbem-18156	70	35	awareness	awareness	NOUN
fbem-18156	70	36	of	of	ADP
fbem-18156	70	37	insurance	insurance	NOUN
fbem-18156	70	38	products	product	NOUN
fbem-18156	70	39	and	and	CCONJ
fbem-18156	70	40	the	the	DET
fbem-18156	70	41	market	market	NOUN
fbem-18156	70	42	.	.	PUNCT
fbem-18156	71	1	by	by	ADP
fbem-18156	71	2	improving	improve	VERB
fbem-18156	71	3	their	their	PRON
fbem-18156	71	4	insurance	insurance	NOUN
fbem-18156	71	5	knowledge	knowledge	NOUN
fbem-18156	71	6	,	,	PUNCT
fbem-18156	71	7	consumers	consumer	NOUN
fbem-18156	71	8	can	can	AUX
fbem-18156	71	9	choose	choose	VERB
fbem-18156	71	10	insurance	insurance	NOUN
fbem-18156	71	11	products	product	NOUN
fbem-18156	71	12	more	more	ADV
fbem-18156	71	13	rationally	rationally	ADV
fbem-18156	71	14	,	,	PUNCT
fbem-18156	71	15	avoid	avoid	VERB
fbem-18156	71	16	misjudgements	misjudgement	NOUN
fbem-18156	71	17	and	and	CCONJ
fbem-18156	71	18	losses	loss	NOUN
fbem-18156	71	19	caused	cause	VERB
fbem-18156	71	20	by	by	ADP
fbem-18156	71	21	information	information	NOUN
fbem-18156	71	22	asymmetry	asymmetry	NOUN
fbem-18156	71	23	,	,	PUNCT
fbem-18156	71	24	and	and	CCONJ
fbem-18156	71	25	protect	protect	VERB
fbem-18156	71	26	their	their	PRON
fbem-18156	71	27	rights	right	NOUN
fbem-18156	71	28	and	and	CCONJ
fbem-18156	71	29	interests	interest	NOUN
fbem-18156	71	30	.	.	PUNCT
fbem-18156	72	1	4.2.3	4.2.3	X
fbem-18156	72	2	.	.	PUNCT
fbem-18156	73	1	choosing	choose	VERB
fbem-18156	73	2	reputable	reputable	ADJ
fbem-18156	73	3	insurance	insurance	NOUN
fbem-18156	73	4	companies	company	NOUN
fbem-18156	73	5	choosing	choose	VERB
fbem-18156	73	6	a	a	DET
fbem-18156	73	7	reputable	reputable	ADJ
fbem-18156	73	8	insurance	insurance	NOUN
fbem-18156	73	9	company	company	NOUN
fbem-18156	73	10	is	be	AUX
fbem-18156	73	11	a	a	DET
fbem-18156	73	12	key	key	ADJ
fbem-18156	73	13	part	part	NOUN
fbem-18156	73	14	of	of	ADP
fbem-18156	73	15	the	the	DET
fbem-18156	73	16	consumer	consumer	NOUN
fbem-18156	73	17	optimisation	optimisation	NOUN
fbem-18156	73	18	game	game	NOUN
fbem-18156	73	19	strategy	strategy	NOUN
fbem-18156	73	20	.	.	PUNCT
fbem-18156	74	1	reputable	reputable	ADJ
fbem-18156	74	2	insurance	insurance	NOUN
fbem-18156	74	3	companies	company	NOUN
fbem-18156	74	4	usually	usually	ADV
fbem-18156	74	5	have	have	VERB
fbem-18156	74	6	good	good	ADJ
fbem-18156	74	7	service	service	NOUN
fbem-18156	74	8	quality	quality	NOUN
fbem-18156	74	9	,	,	PUNCT
fbem-18156	74	10	honest	honest	ADJ
fbem-18156	74	11	operation	operation	NOUN
fbem-18156	74	12	and	and	CCONJ
fbem-18156	74	13	strong	strong	ADJ
fbem-18156	74	14	solvency	solvency	NOUN
fbem-18156	74	15	,	,	PUNCT
fbem-18156	74	16	and	and	CCONJ
fbem-18156	74	17	can	can	AUX
fbem-18156	74	18	provide	provide	VERB
fbem-18156	74	19	consumers	consumer	NOUN
fbem-18156	74	20	with	with	ADP
fbem-18156	74	21	stable	stable	ADJ
fbem-18156	74	22	and	and	CCONJ
fbem-18156	74	23	reliable	reliable	ADJ
fbem-18156	74	24	insurance	insurance	NOUN
fbem-18156	74	25	protection	protection	NOUN
fbem-18156	74	26	.	.	PUNCT
fbem-18156	75	1	consumers	consumer	NOUN
fbem-18156	75	2	can	can	AUX
fbem-18156	75	3	choose	choose	VERB
fbem-18156	75	4	reputable	reputable	ADJ
fbem-18156	75	5	insurance	insurance	NOUN
fbem-18156	75	6	companies	company	NOUN
fbem-18156	75	7	by	by	ADP
fbem-18156	75	8	checking	check	VERB
fbem-18156	75	9	evaluation	evaluation	NOUN
fbem-18156	75	10	information	information	NOUN
fbem-18156	75	11	,	,	PUNCT
fbem-18156	75	12	understanding	understand	VERB
fbem-18156	75	13	company	company	NOUN
fbem-18156	75	14	background	background	NOUN
fbem-18156	75	15	and	and	CCONJ
fbem-18156	75	16	consulting	consulting	NOUN
fbem-18156	75	17	professionals	professional	NOUN
fbem-18156	75	18	.	.	PUNCT
fbem-18156	76	1	in	in	ADP
fbem-18156	76	2	addition	addition	NOUN
fbem-18156	76	3	,	,	PUNCT
fbem-18156	76	4	consumers	consumer	NOUN
fbem-18156	76	5	can	can	AUX
fbem-18156	76	6	also	also	ADV
fbem-18156	76	7	pay	pay	VERB
fbem-18156	76	8	attention	attention	NOUN
fbem-18156	76	9	to	to	ADP
fbem-18156	76	10	the	the	DET
fbem-18156	76	11	complaint	complaint	NOUN
fbem-18156	76	12	handling	handling	NOUN
fbem-18156	76	13	and	and	CCONJ
fbem-18156	76	14	claims	claim	NOUN
fbem-18156	76	15	service	service	NOUN
fbem-18156	76	16	of	of	ADP
fbem-18156	76	17	the	the	DET
fbem-18156	76	18	insurance	insurance	NOUN
fbem-18156	76	19	company	company	NOUN
fbem-18156	76	20	,	,	PUNCT
fbem-18156	76	21	from	from	ADP
fbem-18156	76	22	which	which	PRON
fbem-18156	76	23	they	they	PRON
fbem-18156	76	24	can	can	AUX
fbem-18156	76	25	understand	understand	VERB
fbem-18156	76	26	the	the	DET
fbem-18156	76	27	service	service	NOUN
fbem-18156	76	28	level	level	NOUN
fbem-18156	76	29	and	and	CCONJ
fbem-18156	76	30	credibility	credibility	NOUN
fbem-18156	76	31	of	of	ADP
fbem-18156	76	32	the	the	DET
fbem-18156	76	33	company	company	NOUN
fbem-18156	76	34	.	.	PUNCT
fbem-18156	77	1	choosing	choose	VERB
fbem-18156	77	2	reputable	reputable	ADJ
fbem-18156	77	3	insurance	insurance	NOUN
fbem-18156	77	4	companies	company	NOUN
fbem-18156	77	5	can	can	AUX
fbem-18156	77	6	effectively	effectively	ADV
fbem-18156	77	7	reduce	reduce	VERB
fbem-18156	77	8	consumers	consumer	NOUN
fbem-18156	77	9	'	'	PART
fbem-18156	77	10	insurance	insurance	NOUN
fbem-18156	77	11	risks	risk	NOUN
fbem-18156	77	12	,	,	PUNCT
fbem-18156	77	13	improve	improve	VERB
fbem-18156	77	14	the	the	DET
fbem-18156	77	15	reliability	reliability	NOUN
fbem-18156	77	16	and	and	CCONJ
fbem-18156	77	17	effectiveness	effectiveness	NOUN
fbem-18156	77	18	of	of	ADP
fbem-18156	77	19	insurance	insurance	NOUN
fbem-18156	77	20	protection	protection	NOUN
fbem-18156	77	21	,	,	PUNCT
fbem-18156	77	22	and	and	CCONJ
fbem-18156	77	23	protect	protect	VERB
fbem-18156	77	24	consumers	consumer	NOUN
fbem-18156	77	25	'	'	PART
fbem-18156	77	26	legitimate	legitimate	ADJ
fbem-18156	77	27	rights	right	NOUN
fbem-18156	77	28	and	and	CCONJ
fbem-18156	77	29	interests	interest	NOUN
fbem-18156	77	30	.	.	PUNCT
fbem-18156	78	1	4.2.4	4.2.4	X
fbem-18156	78	2	.	.	PUNCT
fbem-18156	78	3	summary	summary	VERB
fbem-18156	78	4	through	through	ADP
fbem-18156	78	5	the	the	DET
fbem-18156	78	6	implementation	implementation	NOUN
fbem-18156	78	7	of	of	ADP
fbem-18156	78	8	the	the	DET
fbem-18156	78	9	above	above	ADJ
fbem-18156	78	10	measures	measure	NOUN
fbem-18156	78	11	,	,	PUNCT
fbem-18156	78	12	consumers	consumer	NOUN
fbem-18156	78	13	can	can	AUX
fbem-18156	78	14	better	well	ADV
fbem-18156	78	15	cope	cope	VERB
fbem-18156	78	16	with	with	ADP
fbem-18156	78	17	the	the	DET
fbem-18156	78	18	problem	problem	NOUN
fbem-18156	78	19	of	of	ADP
fbem-18156	78	20	information	information	NOUN
fbem-18156	78	21	asymmetry	asymmetry	NOUN
fbem-18156	78	22	in	in	ADP
fbem-18156	78	23	the	the	DET
fbem-18156	78	24	insurance	insurance	NOUN
fbem-18156	78	25	market	market	NOUN
fbem-18156	78	26	,	,	PUNCT
fbem-18156	78	27	optimise	optimise	VERB
fbem-18156	78	28	the	the	DET
fbem-18156	78	29	gaming	gaming	NOUN
fbem-18156	78	30	strategy	strategy	NOUN
fbem-18156	78	31	and	and	CCONJ
fbem-18156	78	32	protect	protect	VERB
fbem-18156	78	33	their	their	PRON
fbem-18156	78	34	own	own	ADJ
fbem-18156	78	35	rights	right	NOUN
fbem-18156	78	36	and	and	CCONJ
fbem-18156	78	37	interests	interest	NOUN
fbem-18156	78	38	.	.	PUNCT
fbem-18156	79	1	at	at	ADP
fbem-18156	79	2	the	the	DET
fbem-18156	79	3	same	same	ADJ
fbem-18156	79	4	time	time	NOUN
fbem-18156	79	5	,	,	PUNCT
fbem-18156	79	6	consumers	consumer	NOUN
fbem-18156	79	7	can	can	AUX
fbem-18156	79	8	also	also	ADV
fbem-18156	79	9	actively	actively	ADV
fbem-18156	79	10	participate	participate	VERB
fbem-18156	79	11	in	in	ADP
fbem-18156	79	12	the	the	DET
fbem-18156	79	13	competition	competition	NOUN
fbem-18156	79	14	in	in	ADP
fbem-18156	79	15	the	the	DET
fbem-18156	79	16	insurance	insurance	NOUN
fbem-18156	79	17	market	market	NOUN
fbem-18156	79	18	by	by	ADP
fbem-18156	79	19	strengthening	strengthen	VERB
fbem-18156	79	20	their	their	PRON
fbem-18156	79	21	awareness	awareness	NOUN
fbem-18156	79	22	of	of	ADP
fbem-18156	79	23	self	self	NOUN
fbem-18156	79	24	-	-	PUNCT
fbem-18156	79	25	protection	protection	NOUN
fbem-18156	79	26	,	,	PUNCT
fbem-18156	79	27	improving	improve	VERB
fbem-18156	79	28	their	their	PRON
fbem-18156	79	29	insurance	insurance	NOUN
fbem-18156	79	30	knowledge	knowledge	NOUN
fbem-18156	79	31	and	and	CCONJ
fbem-18156	79	32	choosing	choose	VERB
fbem-18156	79	33	reputable	reputable	ADJ
fbem-18156	79	34	insurance	insurance	NOUN
fbem-18156	79	35	companies	company	NOUN
fbem-18156	79	36	to	to	PART
fbem-18156	79	37	promote	promote	VERB
fbem-18156	79	38	the	the	DET
fbem-18156	79	39	healthy	healthy	ADJ
fbem-18156	79	40	development	development	NOUN
fbem-18156	79	41	and	and	CCONJ
fbem-18156	79	42	improvement	improvement	NOUN
fbem-18156	79	43	of	of	ADP
fbem-18156	79	44	the	the	DET
fbem-18156	79	45	insurance	insurance	NOUN
fbem-18156	79	46	market	market	NOUN
fbem-18156	79	47	.	.	PUNCT
fbem-18156	80	1	consumers	consumer	NOUN
fbem-18156	80	2	should	should	AUX
fbem-18156	80	3	continuously	continuously	ADV
fbem-18156	80	4	improve	improve	VERB
fbem-18156	80	5	their	their	PRON
fbem-18156	80	6	insurance	insurance	NOUN
fbem-18156	80	7	awareness	awareness	NOUN
fbem-18156	80	8	and	and	CCONJ
fbem-18156	80	9	insurance	insurance	NOUN
fbem-18156	80	10	literacy	literacy	NOUN
fbem-18156	80	11	,	,	PUNCT
fbem-18156	80	12	strengthen	strengthen	VERB
fbem-18156	80	13	communication	communication	NOUN
fbem-18156	80	14	and	and	CCONJ
fbem-18156	80	15	cooperation	cooperation	NOUN
fbem-18156	80	16	with	with	ADP
fbem-18156	80	17	insurance	insurance	NOUN
fbem-18156	80	18	companies	company	NOUN
fbem-18156	80	19	,	,	PUNCT
fbem-18156	80	20	and	and	CCONJ
fbem-18156	80	21	jointly	jointly	ADV
fbem-18156	80	22	promote	promote	VERB
fbem-18156	80	23	the	the	DET
fbem-18156	80	24	standardisation	standardisation	NOUN
fbem-18156	80	25	and	and	CCONJ
fbem-18156	80	26	transparency	transparency	NOUN
fbem-18156	80	27	of	of	ADP
fbem-18156	80	28	the	the	DET
fbem-18156	80	29	insurance	insurance	NOUN
fbem-18156	80	30	market	market	NOUN
fbem-18156	80	31	to	to	PART
fbem-18156	80	32	achieve	achieve	VERB
fbem-18156	80	33	a	a	DET
fbem-18156	80	34	win	win	NOUN
fbem-18156	80	35	-	-	PUNCT
fbem-18156	80	36	win	win	NOUN
fbem-18156	80	37	situation	situation	NOUN
fbem-18156	80	38	in	in	ADP
fbem-18156	80	39	the	the	DET
fbem-18156	80	40	insurance	insurance	NOUN
fbem-18156	80	41	market	market	NOUN
fbem-18156	80	42	.	.	PUNCT
fbem-18156	81	1	5	5	X
fbem-18156	81	2	.	.	X
fbem-18156	81	3	conclusion	conclusion	NOUN
fbem-18156	81	4	information	information	NOUN
fbem-18156	81	5	asymmetry	asymmetry	NOUN
fbem-18156	81	6	and	and	CCONJ
fbem-18156	81	7	game	game	NOUN
fbem-18156	81	8	theory	theory	NOUN
fbem-18156	81	9	,	,	PUNCT
fbem-18156	81	10	as	as	ADP
fbem-18156	81	11	important	important	ADJ
fbem-18156	81	12	theoretical	theoretical	ADJ
fbem-18156	81	13	foundations	foundation	NOUN
fbem-18156	81	14	in	in	ADP
fbem-18156	81	15	the	the	DET
fbem-18156	81	16	insurance	insurance	NOUN
fbem-18156	81	17	market	market	NOUN
fbem-18156	81	18	,	,	PUNCT
fbem-18156	81	19	affect	affect	VERB
fbem-18156	81	20	the	the	DET
fbem-18156	81	21	operation	operation	NOUN
fbem-18156	81	22	of	of	ADP
fbem-18156	81	23	the	the	DET
fbem-18156	81	24	market	market	NOUN
fbem-18156	81	25	and	and	CCONJ
fbem-18156	81	26	the	the	DET
fbem-18156	81	27	decision	decision	NOUN
fbem-18156	81	28	-	-	PUNCT
fbem-18156	81	29	making	making	NOUN
fbem-18156	81	30	of	of	ADP
fbem-18156	81	31	participants	participant	NOUN
fbem-18156	81	32	.	.	PUNCT
fbem-18156	82	1	the	the	DET
fbem-18156	82	2	information	information	NOUN
fbem-18156	82	3	asymmetry	asymmetry	NOUN
fbem-18156	82	4	that	that	PRON
fbem-18156	82	5	exists	exist	VERB
fbem-18156	82	6	between	between	ADP
fbem-18156	82	7	insurance	insurance	NOUN
fbem-18156	82	8	companies	company	NOUN
fbem-18156	82	9	and	and	CCONJ
fbem-18156	82	10	consumers	consumer	NOUN
fbem-18156	82	11	needs	need	VERB
fbem-18156	82	12	to	to	PART
fbem-18156	82	13	be	be	AUX
fbem-18156	82	14	resolved	resolve	VERB
fbem-18156	82	15	by	by	ADP
fbem-18156	82	16	enhancing	enhance	VERB
fbem-18156	82	17	information	information	NOUN
fbem-18156	82	18	transparency	transparency	NOUN
fbem-18156	82	19	,	,	PUNCT
fbem-18156	82	20	risk	risk	NOUN
fbem-18156	82	21	assessment	assessment	NOUN
fbem-18156	82	22	and	and	CCONJ
fbem-18156	82	23	establishing	establish	VERB
fbem-18156	82	24	long	long	ADJ
fbem-18156	82	25	-	-	PUNCT
fbem-18156	82	26	term	term	NOUN
fbem-18156	82	27	cooperative	cooperative	ADJ
fbem-18156	82	28	relationships	relationship	NOUN
fbem-18156	82	29	.	.	PUNCT
fbem-18156	83	1	consumers	consumer	NOUN
fbem-18156	83	2	can	can	AUX
fbem-18156	83	3	also	also	ADV
fbem-18156	83	4	optimise	optimise	VERB
fbem-18156	83	5	their	their	PRON
fbem-18156	83	6	gaming	gaming	NOUN
fbem-18156	83	7	strategies	strategy	NOUN
fbem-18156	83	8	by	by	ADP
fbem-18156	83	9	increasing	increase	VERB
fbem-18156	83	10	their	their	PRON
fbem-18156	83	11	awareness	awareness	NOUN
fbem-18156	83	12	of	of	ADP
fbem-18156	83	13	self	self	NOUN
fbem-18156	83	14	-	-	PUNCT
fbem-18156	83	15	protection	protection	NOUN
fbem-18156	83	16	,	,	PUNCT
fbem-18156	83	17	improving	improve	VERB
fbem-18156	83	18	their	their	PRON
fbem-18156	83	19	insurance	insurance	NOUN
fbem-18156	83	20	knowledge	knowledge	NOUN
fbem-18156	83	21	and	and	CCONJ
fbem-18156	83	22	choosing	choose	VERB
fbem-18156	83	23	reputable	reputable	ADJ
fbem-18156	83	24	insurers	insurer	NOUN
fbem-18156	83	25	.	.	PUNCT
fbem-18156	84	1	by	by	ADP
fbem-18156	84	2	working	work	VERB
fbem-18156	84	3	together	together	ADV
fbem-18156	84	4	,	,	PUNCT
fbem-18156	84	5	we	we	PRON
fbem-18156	84	6	can	can	AUX
fbem-18156	84	7	promote	promote	VERB
fbem-18156	84	8	the	the	DET
fbem-18156	84	9	healthy	healthy	ADJ
fbem-18156	84	10	development	development	NOUN
fbem-18156	84	11	of	of	ADP
fbem-18156	84	12	the	the	DET
fbem-18156	84	13	insurance	insurance	NOUN
fbem-18156	84	14	market	market	NOUN
fbem-18156	84	15	,	,	PUNCT
fbem-18156	84	16	improve	improve	VERB
fbem-18156	84	17	market	market	NOUN
fbem-18156	84	18	efficiency	efficiency	NOUN
fbem-18156	84	19	and	and	CCONJ
fbem-18156	84	20	achieve	achieve	VERB
fbem-18156	84	21	a	a	DET
fbem-18156	84	22	win	win	NOUN
fbem-18156	84	23	-	-	PUNCT
fbem-18156	84	24	win	win	NOUN
fbem-18156	84	25	situation	situation	NOUN
fbem-18156	84	26	in	in	ADP
fbem-18156	84	27	the	the	DET
fbem-18156	84	28	insurance	insurance	NOUN
fbem-18156	84	29	market	market	NOUN
fbem-18156	84	30	.	.	PUNCT
fbem-18156	85	1	references	reference	NOUN
fbem-18156	85	2	[	[	X
fbem-18156	85	3	1	1	NUM
fbem-18156	85	4	]	]	X
fbem-18156	85	5	jianhu	jianhu	NOUN
fbem-18156	85	6	cai	cai	X
fbem-18156	85	7	,	,	PUNCT
fbem-18156	85	8	le	le	PROPN
fbem-18156	85	9	jiang	jiang	PROPN
fbem-18156	85	10	,	,	PUNCT
fbem-18156	85	11	mengyuan	mengyuan	PROPN
fbem-18156	85	12	yang	yang	PROPN
fbem-18156	85	13	,	,	PUNCT
fbem-18156	85	14	xiangyuan	xiangyuan	PROPN
fbem-18156	85	15	ma	ma	PROPN
fbem-18156	85	16	.	.	PROPN
fbem-18156	86	1	a	a	DET
fbem-18156	86	2	green	green	ADJ
fbem-18156	86	3	supply	supply	NOUN
fbem-18156	86	4	chain	chain	NOUN
fbem-18156	86	5	game	game	NOUN
fbem-18156	86	6	model	model	NOUN
fbem-18156	86	7	considering	consider	VERB
fbem-18156	86	8	risk	risk	NOUN
fbem-18156	86	9	aversion	aversion	NOUN
fbem-18156	86	10	under	under	ADP
fbem-18156	86	11	information	information	NOUN
fbem-18156	86	12	asymmetry	asymmetry	NOUN
fbem-18156	86	13	.	.	PUNCT
fbem-18156	87	1	systems	system	NOUN
fbem-18156	87	2	engineering	engineering	NOUN
fbem-18156	87	3	theory	theory	NOUN
fbem-18156	87	4	and	and	CCONJ
fbem-18156	87	5	practice	practice	NOUN
fbem-18156	87	6	,	,	PUNCT
fbem-18156	87	7	1	1	NUM
fbem-18156	87	8	-	-	SYM
fbem-18156	87	9	23	23	NUM
fbem-18156	87	10	.	.	PUNCT
fbem-18156	88	1	[	[	X
fbem-18156	88	2	2	2	X
fbem-18156	88	3	]	]	PUNCT
fbem-18156	88	4	juan	juan	PROPN
fbem-18156	88	5	du	du	PROPN
fbem-18156	88	6	.	.	PROPN
fbem-18156	88	7	competition	competition	NOUN
fbem-18156	88	8	game	game	NOUN
fbem-18156	88	9	of	of	ADP
fbem-18156	88	10	green	green	ADJ
fbem-18156	88	11	travel	travel	NOUN
fbem-18156	88	12	mode	mode	NOUN
fbem-18156	88	13	under	under	ADP
fbem-18156	88	14	government	government	NOUN
fbem-18156	88	15	subsidies	subsidy	NOUN
fbem-18156	88	16	and	and	CCONJ
fbem-18156	88	17	information	information	NOUN
fbem-18156	88	18	asymmetry	asymmetry	NOUN
fbem-18156	88	19	.	.	PUNCT
fbem-18156	89	1	liaoning	liaoning	PROPN
fbem-18156	89	2	technical	technical	PROPN
fbem-18156	89	3	university	university	PROPN
fbem-18156	89	4	,	,	PUNCT
fbem-18156	89	5	2023	2023	NUM
fbem-18156	89	6	.	.	PUNCT
fbem-18156	90	1	[	[	X
fbem-18156	90	2	3	3	X
fbem-18156	90	3	]	]	X
fbem-18156	90	4	di	di	X
fbem-18156	90	5	wu	wu	PROPN
fbem-18156	90	6	,	,	PUNCT
fbem-18156	90	7	qifeng	qifeng	PROPN
fbem-18156	90	8	zhao	zhao	PROPN
fbem-18156	90	9	.	.	PUNCT
fbem-18156	91	1	dynamic	dynamic	ADJ
fbem-18156	91	2	game	game	NOUN
fbem-18156	91	3	of	of	ADP
fbem-18156	91	4	capital	capital	NOUN
fbem-18156	91	5	market	market	NOUN
fbem-18156	91	6	,	,	PUNCT
fbem-18156	91	7	information	information	NOUN
fbem-18156	91	8	asymmetry	asymmetry	NOUN
fbem-18156	91	9	and	and	CCONJ
fbem-18156	91	10	corporate	corporate	ADJ
fbem-18156	91	11	innovation	innovation	NOUN
fbem-18156	91	12	:	:	PUNCT
fbem-18156	91	13	based	base	VERB
fbem-18156	91	14	on	on	ADP
fbem-18156	91	15	the	the	DET
fbem-18156	91	16	perspective	perspective	NOUN
fbem-18156	91	17	of	of	ADP
fbem-18156	91	18	analyst	analyst	NOUN
fbem-18156	91	19	forecasts	forecast	NOUN
fbem-18156	91	20	.	.	PUNCT
fbem-18156	92	1	nankai	nankai	PROPN
fbem-18156	92	2	economic	economic	ADJ
fbem-18156	92	3	research	research	NOUN
fbem-18156	92	4	,	,	PUNCT
fbem-18156	92	5	2023	2023	NUM
fbem-18156	92	6	,	,	PUNCT
fbem-18156	92	7	(	(	PUNCT
fbem-18156	92	8	02	02	NUM
fbem-18156	92	9	):	):	PUNCT
fbem-18156	92	10	140	140	NUM
fbem-18156	92	11	-	-	SYM
fbem-18156	92	12	160	160	NUM
fbem-18156	92	13	.	.	PUNCT
fbem-18156	92	14	66	66	NUM
fbem-18156	93	1	[	[	X
fbem-18156	93	2	4	4	NUM
fbem-18156	93	3	]	]	X
fbem-18156	93	4	xumin	xumin	PROPN
fbem-18156	93	5	wang	wang	PROPN
fbem-18156	93	6	,	,	PUNCT
fbem-18156	93	7	shunchao	shunchao	PROPN
fbem-18156	93	8	zheng	zheng	PROPN
fbem-18156	93	9	.	.	PUNCT
fbem-18156	94	1	game	game	NOUN
fbem-18156	94	2	research	research	NOUN
fbem-18156	94	3	on	on	ADP
fbem-18156	94	4	owners	owner	NOUN
fbem-18156	94	5	and	and	CCONJ
fbem-18156	94	6	contractors	contractor	NOUN
fbem-18156	94	7	under	under	ADP
fbem-18156	94	8	cost	cost	NOUN
fbem-18156	94	9	information	information	NOUN
fbem-18156	94	10	asymmetry	asymmetry	NOUN
fbem-18156	94	11	.	.	PUNCT
fbem-18156	95	1	coal	coal	NOUN
fbem-18156	95	2	engineering	engineering	NOUN
fbem-18156	95	3	,	,	PUNCT
fbem-18156	95	4	2023	2023	NUM
fbem-18156	95	5	,	,	PUNCT
fbem-18156	95	6	55(01	55(01	NUM
fbem-18156	95	7	):	):	PUNCT
fbem-18156	95	8	187	187	NUM
fbem-18156	95	9	-	-	SYM
fbem-18156	95	10	192	192	NUM
fbem-18156	95	11	.	.	PUNCT
fbem-18156	96	1	[	[	X
fbem-18156	96	2	5	5	X
fbem-18156	96	3	]	]	PUNCT
fbem-18156	96	4	jing	jing	PROPN
fbem-18156	96	5	zhang	zhang	PROPN
fbem-18156	96	6	,	,	PUNCT
fbem-18156	96	7	ying	ying	PROPN
fbem-18156	96	8	tan	tan	PROPN
fbem-18156	96	9	,	,	PUNCT
fbem-18156	96	10	yixin	yixin	PROPN
fbem-18156	96	11	zhang	zhang	PROPN
fbem-18156	96	12	.	.	PROPN
fbem-18156	97	1	game	game	NOUN
fbem-18156	97	2	analysis	analysis	NOUN
fbem-18156	97	3	and	and	CCONJ
fbem-18156	97	4	countermeasures	countermeasure	NOUN
fbem-18156	97	5	of	of	ADP
fbem-18156	97	6	multi	multi	ADJ
fbem-18156	97	7	-	-	ADJ
fbem-18156	97	8	level	level	ADJ
fbem-18156	97	9	supply	supply	NOUN
fbem-18156	97	10	chain	chain	NOUN
fbem-18156	97	11	under	under	ADP
fbem-18156	97	12	information	information	NOUN
fbem-18156	97	13	asymmetry	asymmetry	NOUN
fbem-18156	97	14	in	in	ADP
fbem-18156	97	15	the	the	DET
fbem-18156	97	16	trend	trend	NOUN
fbem-18156	97	17	of	of	ADP
fbem-18156	97	18	carbon	carbon	NOUN
fbem-18156	97	19	emission	emission	NOUN
fbem-18156	97	20	reduction	reduction	NOUN
fbem-18156	97	21	.	.	PUNCT
fbem-18156	98	1	modern	modern	ADJ
fbem-18156	98	2	marketing	marketing	NOUN
fbem-18156	98	3	(	(	PUNCT
fbem-18156	98	4	first	first	ADJ
fbem-18156	98	5	half	half	NOUN
fbem-18156	98	6	)	)	PUNCT
fbem-18156	98	7	,	,	PUNCT
fbem-18156	98	8	2022	2022	NUM
fbem-18156	98	9	,	,	PUNCT
fbem-18156	98	10	(	(	PUNCT
fbem-18156	98	11	09	09	NUM
fbem-18156	98	12	):	):	PUNCT
fbem-18156	98	13	115	115	NUM
fbem-18156	98	14	-	-	SYM
fbem-18156	98	15	117	117	NUM
fbem-18156	98	16	.	.	PUNCT
fbem-18156	99	1	[	[	X
fbem-18156	99	2	6	6	NUM
fbem-18156	99	3	]	]	SYM
fbem-18156	99	4	hu	hu	PROPN
fbem-18156	99	5	sheng	sheng	PROPN
fbem-18156	99	6	,	,	PUNCT
fbem-18156	99	7	ningze	ningze	PROPN
fbem-18156	99	8	tang	tang	PROPN
fbem-18156	99	9	.	.	PUNCT
fbem-18156	100	1	game	game	NOUN
fbem-18156	100	2	analysis	analysis	NOUN
fbem-18156	100	3	of	of	ADP
fbem-18156	100	4	social	social	ADJ
fbem-18156	100	5	security	security	NOUN
fbem-18156	100	6	under	under	ADP
fbem-18156	100	7	information	information	NOUN
fbem-18156	100	8	asymmetry	asymmetry	NOUN
fbem-18156	100	9	conditions	condition	NOUN
fbem-18156	100	10	.	.	PUNCT
fbem-18156	101	1	journal	journal	PROPN
fbem-18156	101	2	of	of	ADP
fbem-18156	101	3	hubei	hubei	PROPN
fbem-18156	101	4	police	police	PROPN
fbem-18156	101	5	academy	academy	PROPN
fbem-18156	101	6	,	,	PUNCT
fbem-18156	101	7	2022	2022	NUM
fbem-18156	101	8	,	,	PUNCT
fbem-18156	101	9	35(04	35(04	NUM
fbem-18156	101	10	):	):	PUNCT
fbem-18156	101	11	92	92	NUM
fbem-18156	101	12	-	-	SYM
fbem-18156	101	13	101	101	NUM
fbem-18156	101	14	.	.	PUNCT