id	sid	tid	token	lemma	pos
fbem-18174	1	1	frontiers	frontier	NOUN
fbem-18174	1	2	in	in	ADP
fbem-18174	1	3	business	business	NOUN
fbem-18174	1	4	,	,	PUNCT
fbem-18174	1	5	economics	economic	NOUN
fbem-18174	1	6	and	and	CCONJ
fbem-18174	1	7	management	management	NOUN
fbem-18174	1	8	issn	issn	PROPN
fbem-18174	1	9	:	:	PUNCT
fbem-18174	1	10	2766	2766	NUM
fbem-18174	1	11	-	-	PUNCT
fbem-18174	1	12	824x	824x	NUM
fbem-18174	1	13	|	|	ADJ
fbem-18174	1	14	vol	vol	NOUN
fbem-18174	1	15	.	.	PROPN
fbem-18174	1	16	13	13	NUM
fbem-18174	1	17	,	,	PUNCT
fbem-18174	1	18	no	no	INTJ
fbem-18174	1	19	.	.	NOUN
fbem-18174	1	20	3	3	NUM
fbem-18174	1	21	,	,	PUNCT
fbem-18174	1	22	2024	2024	NUM
fbem-18174	1	23	148	148	NUM
fbem-18174	1	24	an	an	DET
fbem-18174	1	25	empirical	empirical	ADJ
fbem-18174	1	26	analysis	analysis	NOUN
fbem-18174	1	27	of	of	ADP
fbem-18174	1	28	the	the	DET
fbem-18174	1	29	factors	factor	NOUN
fbem-18174	1	30	influencing	influence	VERB
fbem-18174	1	31	china	china	PROPN
fbem-18174	1	32	's	's	PART
fbem-18174	1	33	personal	personal	ADJ
fbem-18174	1	34	insurance	insurance	NOUN
fbem-18174	1	35	premium	premium	NOUN
fbem-18174	1	36	income	income	NOUN
fbem-18174	1	37	junwen	junwen	NOUN
fbem-18174	1	38	jing1	jing1	PROPN
fbem-18174	1	39	,	,	PUNCT
fbem-18174	1	40	*	*	PUNCT
fbem-18174	1	41	,	,	PUNCT
fbem-18174	1	42	yufei	yufei	PROPN
fbem-18174	1	43	zou1	zou1	PROPN
fbem-18174	1	44	,	,	PUNCT
fbem-18174	1	45	lichen	lichen	PROPN
fbem-18174	1	46	zhu1	zhu1	PROPN
fbem-18174	1	47	,	,	PUNCT
fbem-18174	1	48	xiaohan	xiaohan	PROPN
fbem-18174	1	49	wang1	wang1	PROPN
fbem-18174	1	50	1xi'an	1xi'an	NUM
fbem-18174	1	51	jiaotong	jiaotong	ADJ
fbem-18174	1	52	-	-	PUNCT
fbem-18174	1	53	liverpool	liverpool	PROPN
fbem-18174	1	54	university	university	NOUN
fbem-18174	1	55	(	(	PUNCT
fbem-18174	1	56	xjtlu	xjtlu	PROPN
fbem-18174	1	57	)	)	PUNCT
fbem-18174	1	58	,	,	PUNCT
fbem-18174	1	59	china	china	PROPN
fbem-18174	1	60	*	*	PUNCT
fbem-18174	1	61	corresponding	correspond	VERB
fbem-18174	1	62	author	author	NOUN
fbem-18174	1	63	:	:	PUNCT
fbem-18174	1	64	farid	farid	PROPN
fbem-18174	1	65	uddin	uddin	PROPN
fbem-18174	1	66	ahmed	ahmed	PROPN
fbem-18174	1	67	(	(	PUNCT
fbem-18174	1	68	email	email	NOUN
fbem-18174	1	69	:	:	PUNCT
fbem-18174	1	70	junwen.jing21@student.xjtlu.edu.cn	junwen.jing21@student.xjtlu.edu.cn	NOUN
fbem-18174	1	71	)	)	PUNCT
fbem-18174	1	72	abstract	abstract	NOUN
fbem-18174	1	73	:	:	PUNCT
fbem-18174	1	74	this	this	DET
fbem-18174	1	75	paper	paper	NOUN
fbem-18174	1	76	presents	present	VERB
fbem-18174	1	77	an	an	DET
fbem-18174	1	78	in	in	ADP
fbem-18174	1	79	-	-	PUNCT
fbem-18174	1	80	depth	depth	NOUN
fbem-18174	1	81	empirical	empirical	ADJ
fbem-18174	1	82	investigation	investigation	NOUN
fbem-18174	1	83	into	into	ADP
fbem-18174	1	84	the	the	DET
fbem-18174	1	85	determinants	determinant	NOUN
fbem-18174	1	86	of	of	ADP
fbem-18174	1	87	personal	personal	ADJ
fbem-18174	1	88	insurance	insurance	NOUN
fbem-18174	1	89	premium	premium	NOUN
fbem-18174	1	90	income	income	NOUN
fbem-18174	1	91	in	in	ADP
fbem-18174	1	92	china	china	PROPN
fbem-18174	1	93	,	,	PUNCT
fbem-18174	1	94	scrutinizing	scrutinize	VERB
fbem-18174	1	95	the	the	DET
fbem-18174	1	96	period	period	NOUN
fbem-18174	1	97	from	from	ADP
fbem-18174	1	98	2016	2016	NUM
fbem-18174	1	99	to	to	ADP
fbem-18174	1	100	2021	2021	NUM
fbem-18174	1	101	.	.	PUNCT
fbem-18174	2	1	through	through	ADP
fbem-18174	2	2	the	the	DET
fbem-18174	2	3	application	application	NOUN
fbem-18174	2	4	of	of	ADP
fbem-18174	2	5	quantitative	quantitative	ADJ
fbem-18174	2	6	analysis	analysis	NOUN
fbem-18174	2	7	methods	method	NOUN
fbem-18174	2	8	,	,	PUNCT
fbem-18174	2	9	the	the	DET
fbem-18174	2	10	study	study	NOUN
fbem-18174	2	11	explores	explore	VERB
fbem-18174	2	12	the	the	DET
fbem-18174	2	13	influence	influence	NOUN
fbem-18174	2	14	of	of	ADP
fbem-18174	2	15	socio	socio	NOUN
fbem-18174	2	16	-	-	PUNCT
fbem-18174	2	17	economic	economic	ADJ
fbem-18174	2	18	factors	factor	NOUN
fbem-18174	2	19	such	such	ADJ
fbem-18174	2	20	as	as	ADP
fbem-18174	2	21	gdp	gdp	NOUN
fbem-18174	2	22	growth	growth	NOUN
fbem-18174	2	23	,	,	PUNCT
fbem-18174	2	24	urbanization	urbanization	NOUN
fbem-18174	2	25	rate	rate	NOUN
fbem-18174	2	26	,	,	PUNCT
fbem-18174	2	27	social	social	ADJ
fbem-18174	2	28	welfare	welfare	NOUN
fbem-18174	2	29	expenditure	expenditure	NOUN
fbem-18174	2	30	,	,	PUNCT
fbem-18174	2	31	per	per	ADP
fbem-18174	2	32	capita	capita	X
fbem-18174	2	33	disposable	disposable	ADJ
fbem-18174	2	34	income	income	NOUN
fbem-18174	2	35	,	,	PUNCT
fbem-18174	2	36	the	the	DET
fbem-18174	2	37	aging	age	VERB
fbem-18174	2	38	population	population	NOUN
fbem-18174	2	39	,	,	PUNCT
fbem-18174	2	40	and	and	CCONJ
fbem-18174	2	41	education	education	NOUN
fbem-18174	2	42	levels	level	NOUN
fbem-18174	2	43	on	on	ADP
fbem-18174	2	44	the	the	DET
fbem-18174	2	45	propensity	propensity	NOUN
fbem-18174	2	46	of	of	ADP
fbem-18174	2	47	individuals	individual	NOUN
fbem-18174	2	48	to	to	PART
fbem-18174	2	49	purchase	purchase	VERB
fbem-18174	2	50	personal	personal	ADJ
fbem-18174	2	51	insurance	insurance	NOUN
fbem-18174	2	52	.	.	PUNCT
fbem-18174	3	1	key	key	ADJ
fbem-18174	3	2	findings	finding	NOUN
fbem-18174	3	3	reveal	reveal	VERB
fbem-18174	3	4	that	that	SCONJ
fbem-18174	3	5	while	while	SCONJ
fbem-18174	3	6	economic	economic	ADJ
fbem-18174	3	7	prosperity	prosperity	NOUN
fbem-18174	3	8	and	and	CCONJ
fbem-18174	3	9	increased	increase	VERB
fbem-18174	3	10	social	social	ADJ
fbem-18174	3	11	welfare	welfare	NOUN
fbem-18174	3	12	expenditures	expenditure	NOUN
fbem-18174	3	13	positively	positively	ADV
fbem-18174	3	14	influence	influence	VERB
fbem-18174	3	15	personal	personal	ADJ
fbem-18174	3	16	insurance	insurance	NOUN
fbem-18174	3	17	uptake	uptake	NOUN
fbem-18174	3	18	,	,	PUNCT
fbem-18174	3	19	demographic	demographic	ADJ
fbem-18174	3	20	shifts	shift	NOUN
fbem-18174	3	21	towards	towards	ADP
fbem-18174	3	22	an	an	DET
fbem-18174	3	23	aging	age	VERB
fbem-18174	3	24	population	population	NOUN
fbem-18174	3	25	and	and	CCONJ
fbem-18174	3	26	higher	high	ADJ
fbem-18174	3	27	educational	educational	ADJ
fbem-18174	3	28	attainment	attainment	NOUN
fbem-18174	3	29	among	among	ADP
fbem-18174	3	30	the	the	DET
fbem-18174	3	31	populace	populace	NOUN
fbem-18174	3	32	exhibit	exhibit	VERB
fbem-18174	3	33	a	a	DET
fbem-18174	3	34	deterrent	deterrent	NOUN
fbem-18174	3	35	effect	effect	NOUN
fbem-18174	3	36	on	on	ADP
fbem-18174	3	37	insurance	insurance	NOUN
fbem-18174	3	38	consumption	consumption	NOUN
fbem-18174	3	39	.	.	PUNCT
fbem-18174	4	1	the	the	DET
fbem-18174	4	2	research	research	NOUN
fbem-18174	4	3	contributes	contribute	VERB
fbem-18174	4	4	to	to	ADP
fbem-18174	4	5	the	the	DET
fbem-18174	4	6	insurance	insurance	NOUN
fbem-18174	4	7	literature	literature	NOUN
fbem-18174	4	8	by	by	ADP
fbem-18174	4	9	highlighting	highlight	VERB
fbem-18174	4	10	the	the	DET
fbem-18174	4	11	nuanced	nuanced	ADJ
fbem-18174	4	12	interplay	interplay	NOUN
fbem-18174	4	13	between	between	ADP
fbem-18174	4	14	economic	economic	ADJ
fbem-18174	4	15	development	development	NOUN
fbem-18174	4	16	,	,	PUNCT
fbem-18174	4	17	demographic	demographic	ADJ
fbem-18174	4	18	trends	trend	NOUN
fbem-18174	4	19	,	,	PUNCT
fbem-18174	4	20	and	and	CCONJ
fbem-18174	4	21	insurance	insurance	NOUN
fbem-18174	4	22	market	market	NOUN
fbem-18174	4	23	dynamics	dynamic	NOUN
fbem-18174	4	24	in	in	ADP
fbem-18174	4	25	china	china	PROPN
fbem-18174	4	26	.	.	PUNCT
fbem-18174	5	1	it	it	PRON
fbem-18174	5	2	suggests	suggest	VERB
fbem-18174	5	3	policy	policy	NOUN
fbem-18174	5	4	implications	implication	NOUN
fbem-18174	5	5	for	for	ADP
fbem-18174	5	6	insurance	insurance	NOUN
fbem-18174	5	7	companies	company	NOUN
fbem-18174	5	8	and	and	CCONJ
fbem-18174	5	9	regulators	regulator	NOUN
fbem-18174	5	10	to	to	PART
fbem-18174	5	11	foster	foster	VERB
fbem-18174	5	12	market	market	NOUN
fbem-18174	5	13	growth	growth	NOUN
fbem-18174	5	14	,	,	PUNCT
fbem-18174	5	15	including	include	VERB
fbem-18174	5	16	the	the	DET
fbem-18174	5	17	development	development	NOUN
fbem-18174	5	18	of	of	ADP
fbem-18174	5	19	innovative	innovative	ADJ
fbem-18174	5	20	insurance	insurance	NOUN
fbem-18174	5	21	products	product	NOUN
fbem-18174	5	22	that	that	PRON
fbem-18174	5	23	cater	cater	VERB
fbem-18174	5	24	to	to	ADP
fbem-18174	5	25	the	the	DET
fbem-18174	5	26	evolving	evolve	VERB
fbem-18174	5	27	needs	need	NOUN
fbem-18174	5	28	of	of	ADP
fbem-18174	5	29	a	a	DET
fbem-18174	5	30	diverse	diverse	ADJ
fbem-18174	5	31	population	population	NOUN
fbem-18174	5	32	and	and	CCONJ
fbem-18174	5	33	the	the	DET
fbem-18174	5	34	implementation	implementation	NOUN
fbem-18174	5	35	of	of	ADP
fbem-18174	5	36	educational	educational	ADJ
fbem-18174	5	37	initiatives	initiative	NOUN
fbem-18174	5	38	to	to	PART
fbem-18174	5	39	raise	raise	VERB
fbem-18174	5	40	insurance	insurance	NOUN
fbem-18174	5	41	awareness	awareness	NOUN
fbem-18174	5	42	.	.	PUNCT
fbem-18174	6	1	keywords	keyword	NOUN
fbem-18174	6	2	:	:	PUNCT
fbem-18174	6	3	china	china	PROPN
fbem-18174	6	4	's	's	PART
fbem-18174	6	5	insurance	insurance	NOUN
fbem-18174	6	6	market	market	NOUN
fbem-18174	6	7	,	,	PUNCT
fbem-18174	6	8	empirical	empirical	ADJ
fbem-18174	6	9	analysis	analysis	NOUN
fbem-18174	6	10	,	,	PUNCT
fbem-18174	6	11	correlation	correlation	NOUN
fbem-18174	6	12	analysis	analysis	NOUN
fbem-18174	6	13	,	,	PUNCT
fbem-18174	6	14	hausman	hausman	ADJ
fbem-18174	6	15	test	test	NOUN
fbem-18174	6	16	.	.	PUNCT
fbem-18174	7	1	1	1	X
fbem-18174	7	2	.	.	X
fbem-18174	7	3	motivation	motivation	NOUN
fbem-18174	7	4	despite	despite	SCONJ
fbem-18174	7	5	the	the	DET
fbem-18174	7	6	rapid	rapid	ADJ
fbem-18174	7	7	development	development	NOUN
fbem-18174	7	8	of	of	ADP
fbem-18174	7	9	china	china	PROPN
fbem-18174	7	10	’s	’s	PART
fbem-18174	7	11	insurance	insurance	NOUN
fbem-18174	7	12	industry	industry	NOUN
fbem-18174	7	13	in	in	ADP
fbem-18174	7	14	recent	recent	ADJ
fbem-18174	7	15	years	year	NOUN
fbem-18174	7	16	,	,	PUNCT
fbem-18174	7	17	there	there	PRON
fbem-18174	7	18	are	be	VERB
fbem-18174	7	19	still	still	ADV
fbem-18174	7	20	gaps	gap	NOUN
fbem-18174	7	21	compared	compare	VERB
fbem-18174	7	22	to	to	ADP
fbem-18174	7	23	some	some	DET
fbem-18174	7	24	western	western	ADJ
fbem-18174	7	25	countries	country	NOUN
fbem-18174	7	26	with	with	ADP
fbem-18174	7	27	developed	develop	VERB
fbem-18174	7	28	insurance	insurance	NOUN
fbem-18174	7	29	markets	market	NOUN
fbem-18174	7	30	.	.	PUNCT
fbem-18174	8	1	according	accord	VERB
fbem-18174	8	2	to	to	ADP
fbem-18174	8	3	ceic	ceic	VERB
fbem-18174	8	4	data	datum	NOUN
fbem-18174	8	5	,	,	PUNCT
fbem-18174	8	6	in	in	ADP
fbem-18174	8	7	2022	2022	NUM
fbem-18174	8	8	,	,	PUNCT
fbem-18174	8	9	the	the	DET
fbem-18174	8	10	global	global	ADJ
fbem-18174	8	11	average	average	ADJ
fbem-18174	8	12	insurance	insurance	NOUN
fbem-18174	8	13	density	density	NOUN
fbem-18174	8	14	is	be	AUX
fbem-18174	8	15	$	$	SYM
fbem-18174	8	16	1107	1107	NUM
fbem-18174	8	17	per	per	ADP
fbem-18174	8	18	person	person	NOUN
fbem-18174	8	19	while	while	SCONJ
fbem-18174	8	20	china	china	PROPN
fbem-18174	8	21	's	's	PART
fbem-18174	8	22	is	be	AUX
fbem-18174	8	23	$	$	SYM
fbem-18174	8	24	550	550	NUM
fbem-18174	8	25	per	per	ADP
fbem-18174	8	26	person	person	NOUN
fbem-18174	8	27	.	.	PUNCT
fbem-18174	9	1	insurance	insurance	NOUN
fbem-18174	9	2	is	be	AUX
fbem-18174	9	3	an	an	DET
fbem-18174	9	4	integral	integral	ADJ
fbem-18174	9	5	part	part	NOUN
fbem-18174	9	6	of	of	ADP
fbem-18174	9	7	the	the	DET
fbem-18174	9	8	modern	modern	ADJ
fbem-18174	9	9	economy	economy	NOUN
fbem-18174	9	10	,	,	PUNCT
fbem-18174	9	11	providing	provide	VERB
fbem-18174	9	12	risk	risk	NOUN
fbem-18174	9	13	coverage	coverage	NOUN
fbem-18174	9	14	and	and	CCONJ
fbem-18174	9	15	property	property	NOUN
fbem-18174	9	16	protection	protection	NOUN
fbem-18174	9	17	to	to	PART
fbem-18174	9	18	reduce	reduce	VERB
fbem-18174	9	19	the	the	DET
fbem-18174	9	20	adverse	adverse	ADJ
fbem-18174	9	21	impact	impact	NOUN
fbem-18174	9	22	of	of	ADP
fbem-18174	9	23	unknown	unknown	ADJ
fbem-18174	9	24	factors	factor	NOUN
fbem-18174	9	25	on	on	ADP
fbem-18174	9	26	individuals	individual	NOUN
fbem-18174	9	27	or	or	CCONJ
fbem-18174	9	28	families	family	NOUN
fbem-18174	9	29	.	.	PUNCT
fbem-18174	10	1	ungur	ungur	PROPN
fbem-18174	10	2	(	(	PUNCT
fbem-18174	10	3	2017	2017	NUM
fbem-18174	10	4	)	)	PUNCT
fbem-18174	10	5	,	,	PUNCT
fbem-18174	10	6	cheng	cheng	PROPN
fbem-18174	10	7	and	and	CCONJ
fbem-18174	10	8	hou	hou	PROPN
fbem-18174	10	9	(	(	PUNCT
fbem-18174	10	10	2022	2022	NUM
fbem-18174	10	11	)	)	PUNCT
fbem-18174	10	12	emphasize	emphasize	VERB
fbem-18174	10	13	that	that	SCONJ
fbem-18174	10	14	the	the	DET
fbem-18174	10	15	insurance	insurance	NOUN
fbem-18174	10	16	sector	sector	NOUN
fbem-18174	10	17	is	be	AUX
fbem-18174	10	18	instrumental	instrumental	ADJ
fbem-18174	10	19	in	in	ADP
fbem-18174	10	20	promoting	promote	VERB
fbem-18174	10	21	financial	financial	ADJ
fbem-18174	10	22	stability	stability	NOUN
fbem-18174	10	23	and	and	CCONJ
fbem-18174	10	24	enhancing	enhance	VERB
fbem-18174	10	25	welfare	welfare	NOUN
fbem-18174	10	26	protection	protection	NOUN
fbem-18174	10	27	.	.	PUNCT
fbem-18174	11	1	empirical	empirical	ADJ
fbem-18174	11	2	evidences	evidence	NOUN
fbem-18174	11	3	suggest	suggest	VERB
fbem-18174	11	4	a	a	DET
fbem-18174	11	5	causal	causal	ADJ
fbem-18174	11	6	relationship	relationship	NOUN
fbem-18174	11	7	between	between	ADP
fbem-18174	11	8	insurance	insurance	NOUN
fbem-18174	11	9	and	and	CCONJ
fbem-18174	11	10	economic	economic	ADJ
fbem-18174	11	11	growth	growth	NOUN
fbem-18174	11	12	(	(	PUNCT
fbem-18174	11	13	singhal	singhal	NOUN
fbem-18174	11	14	,	,	PUNCT
fbem-18174	11	15	goyal	goyal	PROPN
fbem-18174	11	16	and	and	CCONJ
fbem-18174	11	17	singhal	singhal	PROPN
fbem-18174	11	18	,	,	PUNCT
fbem-18174	11	19	2022	2022	NUM
fbem-18174	11	20	)	)	PUNCT
fbem-18174	11	21	.	.	PUNCT
fbem-18174	12	1	therefore	therefore	ADV
fbem-18174	12	2	,	,	PUNCT
fbem-18174	12	3	it	it	PRON
fbem-18174	12	4	is	be	AUX
fbem-18174	12	5	of	of	ADP
fbem-18174	12	6	great	great	ADJ
fbem-18174	12	7	significance	significance	NOUN
fbem-18174	12	8	to	to	PART
fbem-18174	12	9	analyses	analyse	VERB
fbem-18174	12	10	the	the	DET
fbem-18174	12	11	premium	premium	ADJ
fbem-18174	12	12	income	income	NOUN
fbem-18174	12	13	,	,	PUNCT
fbem-18174	12	14	which	which	PRON
fbem-18174	12	15	serves	serve	VERB
fbem-18174	12	16	as	as	ADP
fbem-18174	12	17	a	a	DET
fbem-18174	12	18	criterion	criterion	NOUN
fbem-18174	12	19	for	for	ADP
fbem-18174	12	20	the	the	DET
fbem-18174	12	21	development	development	NOUN
fbem-18174	12	22	of	of	ADP
fbem-18174	12	23	the	the	DET
fbem-18174	12	24	insurance	insurance	NOUN
fbem-18174	12	25	industry	industry	NOUN
fbem-18174	12	26	,	,	PUNCT
fbem-18174	12	27	in	in	ADP
fbem-18174	12	28	relation	relation	NOUN
fbem-18174	12	29	to	to	ADP
fbem-18174	12	30	several	several	ADJ
fbem-18174	12	31	socio	socio	NOUN
fbem-18174	12	32	-	-	PUNCT
fbem-18174	12	33	economic	economic	ADJ
fbem-18174	12	34	influences	influence	NOUN
fbem-18174	12	35	.	.	PUNCT
fbem-18174	13	1	a	a	DET
fbem-18174	13	2	wide	wide	ADJ
fbem-18174	13	3	variety	variety	NOUN
fbem-18174	13	4	of	of	ADP
fbem-18174	13	5	studies	study	NOUN
fbem-18174	13	6	have	have	AUX
fbem-18174	13	7	examined	examine	VERB
fbem-18174	13	8	the	the	DET
fbem-18174	13	9	factors	factor	NOUN
fbem-18174	13	10	influencing	influence	VERB
fbem-18174	13	11	premium	premium	ADJ
fbem-18174	13	12	income	income	NOUN
fbem-18174	13	13	over	over	ADP
fbem-18174	13	14	the	the	DET
fbem-18174	13	15	years	year	NOUN
fbem-18174	13	16	.	.	PUNCT
fbem-18174	14	1	christophersen	christophersen	NOUN
fbem-18174	14	2	and	and	CCONJ
fbem-18174	14	3	jakubik	jakubik	PROPN
fbem-18174	14	4	(	(	PUNCT
fbem-18174	14	5	2014	2014	NUM
fbem-18174	14	6	)	)	PUNCT
fbem-18174	14	7	analyses	analysis	NOUN
fbem-18174	14	8	from	from	ADP
fbem-18174	14	9	european	european	ADJ
fbem-18174	14	10	panel	panel	NOUN
fbem-18174	14	11	data	datum	NOUN
fbem-18174	14	12	that	that	SCONJ
fbem-18174	14	13	gross	gross	ADJ
fbem-18174	14	14	written	write	VERB
fbem-18174	14	15	premiums	premium	NOUN
fbem-18174	14	16	for	for	ADP
fbem-18174	14	17	life	life	NOUN
fbem-18174	14	18	insurance	insurance	NOUN
fbem-18174	14	19	are	be	AUX
fbem-18174	14	20	more	more	ADV
fbem-18174	14	21	sensitive	sensitive	ADJ
fbem-18174	14	22	to	to	ADP
fbem-18174	14	23	key	key	ADJ
fbem-18174	14	24	macroeconomic	macroeconomic	ADJ
fbem-18174	14	25	determinants	determinant	NOUN
fbem-18174	14	26	.	.	PUNCT
fbem-18174	15	1	it	it	PRON
fbem-18174	15	2	is	be	AUX
fbem-18174	15	3	illustrated	illustrate	VERB
fbem-18174	15	4	by	by	ADP
fbem-18174	15	5	wang	wang	PROPN
fbem-18174	15	6	and	and	CCONJ
fbem-18174	15	7	wang	wang	PROPN
fbem-18174	15	8	(	(	PUNCT
fbem-18174	15	9	2023	2023	NUM
fbem-18174	15	10	)	)	PUNCT
fbem-18174	15	11	that	that	SCONJ
fbem-18174	15	12	through	through	ADP
fbem-18174	15	13	a	a	DET
fbem-18174	15	14	two	two	NUM
fbem-18174	15	15	-	-	PUNCT
fbem-18174	15	16	way	way	NOUN
fbem-18174	15	17	fixed	fix	VERB
fbem-18174	15	18	effects	effect	NOUN
fbem-18174	15	19	model	model	NOUN
fbem-18174	15	20	,	,	PUNCT
fbem-18174	15	21	the	the	DET
fbem-18174	15	22	influence	influence	NOUN
fbem-18174	15	23	of	of	ADP
fbem-18174	15	24	the	the	DET
fbem-18174	15	25	digital	digital	ADJ
fbem-18174	15	26	economy	economy	NOUN
fbem-18174	15	27	on	on	ADP
fbem-18174	15	28	the	the	DET
fbem-18174	15	29	insurance	insurance	NOUN
fbem-18174	15	30	industry	industry	NOUN
fbem-18174	15	31	from	from	ADP
fbem-18174	15	32	a	a	DET
fbem-18174	15	33	demand	demand	NOUN
fbem-18174	15	34	perspective	perspective	NOUN
fbem-18174	15	35	is	be	AUX
fbem-18174	15	36	largely	largely	ADV
fbem-18174	15	37	disentangled	disentangle	VERB
fbem-18174	15	38	,	,	PUNCT
fbem-18174	15	39	and	and	CCONJ
fbem-18174	15	40	it	it	PRON
fbem-18174	15	41	also	also	ADV
fbem-18174	15	42	highlights	highlight	VERB
fbem-18174	15	43	that	that	SCONJ
fbem-18174	15	44	the	the	DET
fbem-18174	15	45	level	level	NOUN
fbem-18174	15	46	of	of	ADP
fbem-18174	15	47	education	education	NOUN
fbem-18174	15	48	has	have	VERB
fbem-18174	15	49	a	a	DET
fbem-18174	15	50	significant	significant	ADJ
fbem-18174	15	51	impact	impact	NOUN
fbem-18174	15	52	on	on	ADP
fbem-18174	15	53	personal	personal	ADJ
fbem-18174	15	54	insurance	insurance	NOUN
fbem-18174	15	55	income	income	NOUN
fbem-18174	15	56	.	.	PUNCT
fbem-18174	16	1	li	li	PROPN
fbem-18174	16	2	,	,	PUNCT
fbem-18174	16	3	teng	teng	PROPN
fbem-18174	16	4	and	and	CCONJ
fbem-18174	16	5	wang	wang	PROPN
fbem-18174	16	6	(	(	PUNCT
fbem-18174	16	7	2022	2022	NUM
fbem-18174	16	8	)	)	PUNCT
fbem-18174	16	9	discover	discover	VERB
fbem-18174	16	10	that	that	SCONJ
fbem-18174	16	11	personal	personal	ADJ
fbem-18174	16	12	insurance	insurance	NOUN
fbem-18174	16	13	premium	premium	NOUN
fbem-18174	16	14	income	income	NOUN
fbem-18174	16	15	shows	show	VERB
fbem-18174	16	16	a	a	DET
fbem-18174	16	17	significant	significant	ADJ
fbem-18174	16	18	negative	negative	ADJ
fbem-18174	16	19	relationship	relationship	NOUN
fbem-18174	16	20	with	with	ADP
fbem-18174	16	21	the	the	DET
fbem-18174	16	22	elderly	elderly	ADJ
fbem-18174	16	23	dependency	dependency	NOUN
fbem-18174	16	24	ratio	ratio	NOUN
fbem-18174	16	25	based	base	VERB
fbem-18174	16	26	on	on	ADP
fbem-18174	16	27	the	the	DET
fbem-18174	16	28	panel	panel	NOUN
fbem-18174	16	29	data	datum	NOUN
fbem-18174	16	30	of	of	ADP
fbem-18174	16	31	china	china	PROPN
fbem-18174	16	32	from	from	ADP
fbem-18174	16	33	2007	2007	NUM
fbem-18174	16	34	to	to	ADP
fbem-18174	16	35	2019	2019	NUM
fbem-18174	16	36	.	.	PUNCT
fbem-18174	17	1	li	li	PROPN
fbem-18174	17	2	et	et	PROPN
fbem-18174	17	3	al	al	PROPN
fbem-18174	17	4	.	.	PROPN
fbem-18174	18	1	(	(	PUNCT
fbem-18174	18	2	2023	2023	NUM
fbem-18174	18	3	)	)	PUNCT
fbem-18174	18	4	proves	prove	VERB
fbem-18174	18	5	that	that	SCONJ
fbem-18174	18	6	the	the	DET
fbem-18174	18	7	increase	increase	NOUN
fbem-18174	18	8	in	in	ADP
fbem-18174	18	9	gdp	gdp	NOUN
fbem-18174	18	10	and	and	CCONJ
fbem-18174	18	11	per	per	ADP
fbem-18174	18	12	capita	capita	X
fbem-18174	18	13	disposable	disposable	ADJ
fbem-18174	18	14	income	income	NOUN
fbem-18174	18	15	promotes	promote	VERB
fbem-18174	18	16	the	the	DET
fbem-18174	18	17	growth	growth	NOUN
fbem-18174	18	18	of	of	ADP
fbem-18174	18	19	premium	premium	ADJ
fbem-18174	18	20	income	income	NOUN
fbem-18174	18	21	.	.	PUNCT
fbem-18174	19	1	this	this	PRON
fbem-18174	19	2	shows	show	VERB
fbem-18174	19	3	the	the	DET
fbem-18174	19	4	selection	selection	NOUN
fbem-18174	19	5	of	of	ADP
fbem-18174	19	6	factors	factor	NOUN
fbem-18174	19	7	influencing	influence	VERB
fbem-18174	19	8	premium	premium	NOUN
fbem-18174	19	9	income	income	NOUN
fbem-18174	19	10	matters	matter	NOUN
fbem-18174	19	11	most	most	ADV
fbem-18174	19	12	,	,	PUNCT
fbem-18174	19	13	whereas	whereas	SCONJ
fbem-18174	19	14	previous	previous	ADJ
fbem-18174	19	15	studies	study	NOUN
fbem-18174	19	16	may	may	AUX
fbem-18174	19	17	have	have	AUX
fbem-18174	19	18	concentrated	concentrate	VERB
fbem-18174	19	19	on	on	ADP
fbem-18174	19	20	relatively	relatively	ADV
fbem-18174	19	21	homogeneous	homogeneous	ADJ
fbem-18174	19	22	aspects	aspect	NOUN
fbem-18174	19	23	.	.	PUNCT
fbem-18174	20	1	considering	consider	VERB
fbem-18174	20	2	people	people	NOUN
fbem-18174	20	3	are	be	AUX
fbem-18174	20	4	increasingly	increasingly	ADV
fbem-18174	20	5	concerned	concerned	ADJ
fbem-18174	20	6	about	about	ADP
fbem-18174	20	7	old	old	ADJ
fbem-18174	20	8	-	-	PUNCT
fbem-18174	20	9	age	age	NOUN
fbem-18174	20	10	care	care	NOUN
fbem-18174	20	11	and	and	CCONJ
fbem-18174	20	12	health	health	NOUN
fbem-18174	20	13	,	,	PUNCT
fbem-18174	20	14	this	this	DET
fbem-18174	20	15	essay	essay	NOUN
fbem-18174	20	16	explores	explore	VERB
fbem-18174	20	17	how	how	SCONJ
fbem-18174	20	18	gross	gross	ADJ
fbem-18174	20	19	domestic	domestic	ADJ
fbem-18174	20	20	product	product	NOUN
fbem-18174	20	21	,	,	PUNCT
fbem-18174	20	22	social	social	ADJ
fbem-18174	20	23	welfare	welfare	NOUN
fbem-18174	20	24	,	,	PUNCT
fbem-18174	20	25	elderly	elderly	ADJ
fbem-18174	20	26	dependency	dependency	NOUN
fbem-18174	20	27	ratio	ratio	NOUN
fbem-18174	20	28	,	,	PUNCT
fbem-18174	20	29	per	per	ADP
fbem-18174	20	30	capita	capita	X
fbem-18174	20	31	disposable	disposable	ADJ
fbem-18174	20	32	income	income	NOUN
fbem-18174	20	33	,	,	PUNCT
fbem-18174	20	34	education	education	NOUN
fbem-18174	20	35	attainment	attainment	NOUN
fbem-18174	20	36	and	and	CCONJ
fbem-18174	20	37	health	health	NOUN
fbem-18174	20	38	expenditure	expenditure	NOUN
fbem-18174	20	39	affect	affect	VERB
fbem-18174	20	40	personal	personal	ADJ
fbem-18174	20	41	insurance	insurance	NOUN
fbem-18174	20	42	premium	premium	NOUN
fbem-18174	20	43	income	income	NOUN
fbem-18174	20	44	through	through	ADP
fbem-18174	20	45	china	china	PROPN
fbem-18174	20	46	’s	’s	PART
fbem-18174	20	47	panel	panel	NOUN
fbem-18174	20	48	data	datum	NOUN
fbem-18174	20	49	from	from	ADP
fbem-18174	20	50	2016	2016	NUM
fbem-18174	20	51	to	to	ADP
fbem-18174	20	52	2021	2021	NUM
fbem-18174	20	53	.	.	PUNCT
fbem-18174	21	1	then	then	ADV
fbem-18174	21	2	,	,	PUNCT
fbem-18174	21	3	based	base	VERB
fbem-18174	21	4	on	on	ADP
fbem-18174	21	5	the	the	DET
fbem-18174	21	6	empirical	empirical	ADJ
fbem-18174	21	7	results	result	NOUN
fbem-18174	21	8	,	,	PUNCT
fbem-18174	21	9	suggestions	suggestion	NOUN
fbem-18174	21	10	for	for	ADP
fbem-18174	21	11	improvement	improvement	NOUN
fbem-18174	21	12	are	be	AUX
fbem-18174	21	13	made	make	VERB
fbem-18174	21	14	in	in	ADP
fbem-18174	21	15	the	the	DET
fbem-18174	21	16	hope	hope	NOUN
fbem-18174	21	17	that	that	SCONJ
fbem-18174	21	18	the	the	DET
fbem-18174	21	19	development	development	NOUN
fbem-18174	21	20	of	of	ADP
fbem-18174	21	21	china	china	PROPN
fbem-18174	21	22	’s	’s	PART
fbem-18174	21	23	insurance	insurance	NOUN
fbem-18174	21	24	industry	industry	NOUN
fbem-18174	21	25	will	will	AUX
fbem-18174	21	26	be	be	AUX
fbem-18174	21	27	in	in	ADP
fbem-18174	21	28	line	line	NOUN
fbem-18174	21	29	with	with	ADP
fbem-18174	21	30	international	international	ADJ
fbem-18174	21	31	standards	standard	NOUN
fbem-18174	21	32	and	and	CCONJ
fbem-18174	21	33	better	well	ADJ
fbem-18174	21	34	contribute	contribute	VERB
fbem-18174	21	35	to	to	ADP
fbem-18174	21	36	social	social	ADJ
fbem-18174	21	37	society	society	NOUN
fbem-18174	21	38	.	.	PUNCT
fbem-18174	22	1	2	2	X
fbem-18174	22	2	.	.	X
fbem-18174	22	3	data	datum	NOUN
fbem-18174	22	4	description	description	NOUN
fbem-18174	22	5	2.1	2.1	NUM
fbem-18174	22	6	.	.	PUNCT
fbem-18174	23	1	source	source	NOUN
fbem-18174	23	2	of	of	ADP
fbem-18174	23	3	data	datum	NOUN
fbem-18174	23	4	this	this	DET
fbem-18174	23	5	essay	essay	NOUN
fbem-18174	23	6	empirically	empirically	ADV
fbem-18174	23	7	explores	explore	VERB
fbem-18174	23	8	the	the	DET
fbem-18174	23	9	relationship	relationship	NOUN
fbem-18174	23	10	between	between	ADP
fbem-18174	23	11	six	six	NUM
fbem-18174	23	12	variables	variable	NOUN
fbem-18174	23	13	and	and	CCONJ
fbem-18174	23	14	personal	personal	ADJ
fbem-18174	23	15	insurance	insurance	NOUN
fbem-18174	23	16	premium	premium	NOUN
fbem-18174	23	17	income	income	NOUN
fbem-18174	23	18	based	base	VERB
fbem-18174	23	19	on	on	ADP
fbem-18174	23	20	the	the	DET
fbem-18174	23	21	panel	panel	NOUN
fbem-18174	23	22	data	datum	NOUN
fbem-18174	23	23	,	,	PUNCT
fbem-18174	23	24	which	which	PRON
fbem-18174	23	25	contains	contain	VERB
fbem-18174	23	26	the	the	DET
fbem-18174	23	27	data	datum	NOUN
fbem-18174	23	28	of	of	ADP
fbem-18174	23	29	31	31	NUM
fbem-18174	23	30	provinces	province	NOUN
fbem-18174	23	31	from	from	ADP
fbem-18174	23	32	2016	2016	NUM
fbem-18174	23	33	to	to	ADP
fbem-18174	23	34	2021	2021	NUM
fbem-18174	23	35	.	.	PUNCT
fbem-18174	24	1	data	datum	NOUN
fbem-18174	24	2	of	of	ADP
fbem-18174	24	3	premium	premium	NOUN
fbem-18174	24	4	income	income	NOUN
fbem-18174	24	5	(	(	PUNCT
fbem-18174	24	6	pi	pi	NOUN
fbem-18174	24	7	)	)	PUNCT
fbem-18174	24	8	,	,	PUNCT
fbem-18174	24	9	gross	gross	ADJ
fbem-18174	24	10	domestic	domestic	ADJ
fbem-18174	24	11	product	product	NOUN
fbem-18174	24	12	(	(	PUNCT
fbem-18174	24	13	gdp	gdp	NOUN
fbem-18174	24	14	)	)	PUNCT
fbem-18174	24	15	,	,	PUNCT
fbem-18174	24	16	social	social	ADJ
fbem-18174	24	17	welfare	welfare	NOUN
fbem-18174	24	18	(	(	PUNCT
fbem-18174	24	19	sw	sw	PROPN
fbem-18174	24	20	)	)	PUNCT
fbem-18174	24	21	and	and	CCONJ
fbem-18174	24	22	per	per	ADP
fbem-18174	24	23	capita	capita	X
fbem-18174	24	24	disposable	disposable	ADJ
fbem-18174	24	25	income	income	NOUN
fbem-18174	24	26	(	(	PUNCT
fbem-18174	24	27	pcdi	pcdi	NOUN
fbem-18174	24	28	)	)	PUNCT
fbem-18174	24	29	were	be	AUX
fbem-18174	24	30	aggregated	aggregate	VERB
fbem-18174	24	31	from	from	ADP
fbem-18174	24	32	china	china	PROPN
fbem-18174	24	33	insurance	insurance	NOUN
fbem-18174	24	34	yearbook	yearbook	NOUN
fbem-18174	24	35	.	.	PUNCT
fbem-18174	25	1	data	datum	NOUN
fbem-18174	25	2	of	of	ADP
fbem-18174	25	3	elderly	elderly	ADJ
fbem-18174	25	4	dependency	dependency	NOUN
fbem-18174	25	5	ratio	ratio	NOUN
fbem-18174	25	6	(	(	PUNCT
fbem-18174	25	7	edr	edr	NOUN
fbem-18174	25	8	)	)	PUNCT
fbem-18174	25	9	and	and	CCONJ
fbem-18174	25	10	educational	educational	ADJ
fbem-18174	25	11	attainment	attainment	NOUN
fbem-18174	25	12	(	(	PUNCT
fbem-18174	25	13	ea	ea	NOUN
fbem-18174	25	14	)	)	PUNCT
fbem-18174	25	15	were	be	AUX
fbem-18174	25	16	from	from	ADP
fbem-18174	25	17	national	national	ADJ
fbem-18174	25	18	bureau	bureau	PROPN
fbem-18174	25	19	of	of	ADP
fbem-18174	25	20	statistics	statistic	NOUN
fbem-18174	25	21	and	and	CCONJ
fbem-18174	25	22	data	datum	NOUN
fbem-18174	25	23	of	of	ADP
fbem-18174	25	24	health	health	NOUN
fbem-18174	25	25	expenditure	expenditure	NOUN
fbem-18174	25	26	(	(	PUNCT
fbem-18174	25	27	he	he	PRON
fbem-18174	25	28	)	)	PUNCT
fbem-18174	25	29	was	be	AUX
fbem-18174	25	30	from	from	ADP
fbem-18174	25	31	chinese	chinese	ADJ
fbem-18174	25	32	national	national	PROPN
fbem-18174	25	33	knowledge	knowledge	PROPN
fbem-18174	25	34	infrastructure	infrastructure	NOUN
fbem-18174	25	35	.	.	PUNCT
fbem-18174	26	1	2.2	2.2	NUM
fbem-18174	26	2	.	.	PUNCT
fbem-18174	26	3	description	description	NOUN
fbem-18174	26	4	of	of	ADP
fbem-18174	26	5	the	the	DET
fbem-18174	26	6	variables	variable	NOUN
fbem-18174	26	7	premium	premium	NOUN
fbem-18174	26	8	income	income	NOUN
fbem-18174	26	9	(	(	PUNCT
fbem-18174	26	10	pi	pi	NOUN
fbem-18174	26	11	)	)	PUNCT
fbem-18174	26	12	the	the	DET
fbem-18174	26	13	public	public	NOUN
fbem-18174	26	14	is	be	AUX
fbem-18174	26	15	advised	advise	VERB
fbem-18174	26	16	to	to	PART
fbem-18174	26	17	register	register	VERB
fbem-18174	26	18	for	for	ADP
fbem-18174	26	19	insurance	insurance	NOUN
fbem-18174	26	20	to	to	PART
fbem-18174	26	21	transfer	transfer	VERB
fbem-18174	26	22	the	the	DET
fbem-18174	26	23	risks	risk	NOUN
fbem-18174	26	24	(	(	PUNCT
fbem-18174	26	25	alif	alif	NOUN
fbem-18174	26	26	,	,	PUNCT
fbem-18174	26	27	2022	2022	NUM
fbem-18174	26	28	)	)	PUNCT
fbem-18174	26	29	.	.	PUNCT
fbem-18174	27	1	the	the	DET
fbem-18174	27	2	prospective	prospective	ADJ
fbem-18174	27	3	policyholder	policyholder	NOUN
fbem-18174	27	4	pays	pay	VERB
fbem-18174	27	5	premiums	premium	NOUN
fbem-18174	27	6	to	to	ADP
fbem-18174	27	7	the	the	DET
fbem-18174	27	8	insurer	insurer	NOUN
fbem-18174	27	9	for	for	ADP
fbem-18174	27	10	coverage	coverage	NOUN
fbem-18174	27	11	or	or	CCONJ
fbem-18174	27	12	protection	protection	NOUN
fbem-18174	27	13	,	,	PUNCT
fbem-18174	27	14	which	which	PRON
fbem-18174	27	15	constitutes	constitute	VERB
fbem-18174	27	16	a	a	DET
fbem-18174	27	17	significant	significant	ADJ
fbem-18174	27	18	component	component	NOUN
fbem-18174	27	19	of	of	ADP
fbem-18174	27	20	insurance	insurance	NOUN
fbem-18174	27	21	companies	company	NOUN
fbem-18174	27	22	'	'	PART
fbem-18174	27	23	profits	profit	NOUN
fbem-18174	27	24	.	.	PUNCT
fbem-18174	28	1	as	as	ADP
fbem-18174	28	2	a	a	DET
fbem-18174	28	3	result	result	NOUN
fbem-18174	28	4	,	,	PUNCT
fbem-18174	28	5	this	this	DET
fbem-18174	28	6	essay	essay	NOUN
fbem-18174	28	7	considers	consider	VERB
fbem-18174	28	8	personal	personal	ADJ
fbem-18174	28	9	insurance	insurance	NOUN
fbem-18174	28	10	premium	premium	NOUN
fbem-18174	28	11	income	income	NOUN
fbem-18174	28	12	as	as	ADP
fbem-18174	28	13	the	the	DET
fbem-18174	28	14	dependent	dependent	ADJ
fbem-18174	28	15	variable	variable	NOUN
fbem-18174	28	16	.	.	PUNCT
fbem-18174	29	1	gross	gross	ADJ
fbem-18174	29	2	domestic	domestic	ADJ
fbem-18174	29	3	product	product	NOUN
fbem-18174	29	4	(	(	PUNCT
fbem-18174	29	5	gdp	gdp	PROPN
fbem-18174	29	6	)	)	PUNCT
fbem-18174	29	7	gdp	gdp	NOUN
fbem-18174	29	8	explains	explain	VERB
fbem-18174	29	9	the	the	DET
fbem-18174	29	10	financial	financial	ADJ
fbem-18174	29	11	development	development	NOUN
fbem-18174	29	12	of	of	ADP
fbem-18174	29	13	a	a	DET
fbem-18174	29	14	country	country	NOUN
fbem-18174	29	15	.	.	PUNCT
fbem-18174	30	1	both	both	PRON
fbem-18174	30	2	ward	ward	VERB
fbem-18174	30	3	and	and	CCONJ
fbem-18174	30	4	zurbruegg	zurbruegg	NOUN
fbem-18174	30	5	(	(	PUNCT
fbem-18174	30	6	2000	2000	NUM
fbem-18174	30	7	)	)	PUNCT
fbem-18174	30	8	and	and	CCONJ
fbem-18174	30	9	arena	arena	NOUN
fbem-18174	30	10	(	(	PUNCT
fbem-18174	30	11	2008	2008	NUM
fbem-18174	30	12	)	)	PUNCT
fbem-18174	30	13	emphasize	emphasize	VERB
fbem-18174	30	14	the	the	DET
fbem-18174	30	15	strong	strong	ADJ
fbem-18174	30	16	relationship	relationship	NOUN
fbem-18174	30	17	between	between	ADP
fbem-18174	30	18	gdp	gdp	NOUN
fbem-18174	30	19	growth	growth	NOUN
fbem-18174	30	20	and	and	CCONJ
fbem-18174	30	21	the	the	DET
fbem-18174	30	22	insurance	insurance	NOUN
fbem-18174	30	23	market	market	NOUN
fbem-18174	30	24	.	.	PUNCT
fbem-18174	31	1	consequently	consequently	ADV
fbem-18174	31	2	,	,	PUNCT
fbem-18174	31	3	this	this	DET
fbem-18174	31	4	research	research	NOUN
fbem-18174	31	5	sets	set	VERB
fbem-18174	31	6	gdp	gdp	NOUN
fbem-18174	31	7	as	as	ADP
fbem-18174	31	8	a	a	DET
fbem-18174	31	9	control	control	NOUN
fbem-18174	31	10	variable	variable	NOUN
fbem-18174	31	11	and	and	CCONJ
fbem-18174	31	12	suggests	suggest	VERB
fbem-18174	31	13	a	a	DET
fbem-18174	31	14	positive	positive	ADJ
fbem-18174	31	15	relationship	relationship	NOUN
fbem-18174	31	16	between	between	ADP
fbem-18174	31	17	gdp	gdp	NOUN
fbem-18174	31	18	and	and	CCONJ
fbem-18174	31	19	premium	premium	NOUN
fbem-18174	31	20	income	income	NOUN
fbem-18174	31	21	.	.	PUNCT
fbem-18174	32	1	149	149	NUM
fbem-18174	32	2	social	social	ADJ
fbem-18174	32	3	welfare	welfare	NOUN
fbem-18174	32	4	(	(	PUNCT
fbem-18174	32	5	sw	sw	NOUN
fbem-18174	32	6	)	)	PUNCT
fbem-18174	32	7	social	social	ADJ
fbem-18174	32	8	welfare	welfare	NOUN
fbem-18174	32	9	is	be	AUX
fbem-18174	32	10	a	a	DET
fbem-18174	32	11	means	means	NOUN
fbem-18174	32	12	of	of	ADP
fbem-18174	32	13	regulating	regulate	VERB
fbem-18174	32	14	distributional	distributional	ADJ
fbem-18174	32	15	relations	relation	NOUN
fbem-18174	32	16	,	,	PUNCT
fbem-18174	32	17	reducing	reduce	VERB
fbem-18174	32	18	property	property	NOUN
fbem-18174	32	19	gaps	gap	NOUN
fbem-18174	32	20	,	,	PUNCT
fbem-18174	32	21	guaranteeing	guarantee	VERB
fbem-18174	32	22	social	social	ADJ
fbem-18174	32	23	equity	equity	NOUN
fbem-18174	32	24	and	and	CCONJ
fbem-18174	32	25	maintaining	maintain	VERB
fbem-18174	32	26	social	social	ADJ
fbem-18174	32	27	stability	stability	NOUN
fbem-18174	32	28	.	.	PUNCT
fbem-18174	33	1	increased	increase	VERB
fbem-18174	33	2	social	social	ADJ
fbem-18174	33	3	welfare	welfare	NOUN
fbem-18174	33	4	makes	make	VERB
fbem-18174	33	5	a	a	DET
fbem-18174	33	6	positive	positive	ADJ
fbem-18174	33	7	contribution	contribution	NOUN
fbem-18174	33	8	to	to	ADP
fbem-18174	33	9	premium	premium	ADJ
fbem-18174	33	10	income	income	NOUN
fbem-18174	33	11	(	(	PUNCT
fbem-18174	33	12	li	li	PROPN
fbem-18174	33	13	,	,	PUNCT
fbem-18174	33	14	2006	2006	NUM
fbem-18174	33	15	)	)	PUNCT
fbem-18174	33	16	.	.	PUNCT
fbem-18174	34	1	yi	yi	PROPN
fbem-18174	34	2	,	,	PUNCT
fbem-18174	34	3	zhao	zhao	PROPN
fbem-18174	34	4	and	and	CCONJ
fbem-18174	34	5	zhou	zhou	PROPN
fbem-18174	34	6	(	(	PUNCT
fbem-18174	34	7	2008	2008	NUM
fbem-18174	34	8	)	)	PUNCT
fbem-18174	34	9	show	show	VERB
fbem-18174	34	10	that	that	SCONJ
fbem-18174	34	11	higher	high	ADJ
fbem-18174	34	12	social	social	ADJ
fbem-18174	34	13	welfare	welfare	NOUN
fbem-18174	34	14	spending	spend	VERB
fbem-18174	34	15	boosts	boost	NOUN
fbem-18174	34	16	demand	demand	NOUN
fbem-18174	34	17	for	for	ADP
fbem-18174	34	18	health	health	NOUN
fbem-18174	34	19	insurance	insurance	NOUN
fbem-18174	34	20	.	.	PUNCT
fbem-18174	35	1	elderly	elderly	ADJ
fbem-18174	35	2	dependency	dependency	NOUN
fbem-18174	35	3	ratio	ratio	NOUN
fbem-18174	35	4	(	(	PUNCT
fbem-18174	35	5	edr	edr	NOUN
fbem-18174	35	6	)	)	PUNCT
fbem-18174	35	7	edr	edr	NOUN
fbem-18174	35	8	measures	measure	VERB
fbem-18174	35	9	the	the	DET
fbem-18174	35	10	proportion	proportion	NOUN
fbem-18174	35	11	of	of	ADP
fbem-18174	35	12	working	work	VERB
fbem-18174	35	13	-	-	PUNCT
fbem-18174	35	14	age	age	NOUN
fbem-18174	35	15	individuals	individual	NOUN
fbem-18174	35	16	(	(	PUNCT
fbem-18174	35	17	15	15	NUM
fbem-18174	35	18	-	-	SYM
fbem-18174	35	19	64	64	NUM
fbem-18174	35	20	years	year	NOUN
fbem-18174	35	21	)	)	PUNCT
fbem-18174	35	22	to	to	ADP
fbem-18174	35	23	the	the	DET
fbem-18174	35	24	elderly	elderly	ADJ
fbem-18174	35	25	population	population	NOUN
fbem-18174	35	26	(	(	PUNCT
fbem-18174	35	27	65	65	NUM
fbem-18174	35	28	+	+	NUM
fbem-18174	35	29	years	year	NOUN
fbem-18174	35	30	)	)	PUNCT
fbem-18174	35	31	.	.	PUNCT
fbem-18174	36	1	chen	chen	PROPN
fbem-18174	36	2	(	(	PUNCT
fbem-18174	36	3	2022	2022	NUM
fbem-18174	36	4	)	)	PUNCT
fbem-18174	36	5	reports	report	VERB
fbem-18174	36	6	that	that	SCONJ
fbem-18174	36	7	a	a	DET
fbem-18174	36	8	1	1	NUM
fbem-18174	36	9	%	%	NOUN
fbem-18174	36	10	increase	increase	NOUN
fbem-18174	36	11	in	in	ADP
fbem-18174	36	12	edr	edr	NOUN
fbem-18174	36	13	can	can	AUX
fbem-18174	36	14	cause	cause	VERB
fbem-18174	36	15	a	a	DET
fbem-18174	36	16	substantial	substantial	ADJ
fbem-18174	36	17	28.14	28.14	NUM
fbem-18174	36	18	%	%	NOUN
fbem-18174	36	19	rise	rise	NOUN
fbem-18174	36	20	in	in	ADP
fbem-18174	36	21	health	health	NOUN
fbem-18174	36	22	insurance	insurance	NOUN
fbem-18174	36	23	premiums	premium	NOUN
fbem-18174	36	24	,	,	PUNCT
fbem-18174	36	25	showing	show	VERB
fbem-18174	36	26	its	its	PRON
fbem-18174	36	27	profound	profound	ADJ
fbem-18174	36	28	impact	impact	NOUN
fbem-18174	36	29	.	.	PUNCT
fbem-18174	37	1	per	per	ADP
fbem-18174	37	2	capita	capita	X
fbem-18174	37	3	disposable	disposable	ADJ
fbem-18174	37	4	income	income	NOUN
fbem-18174	37	5	(	(	PUNCT
fbem-18174	37	6	pcdi	pcdi	NOUN
fbem-18174	37	7	)	)	PUNCT
fbem-18174	37	8	pcdi	pcdi	NOUN
fbem-18174	37	9	,	,	PUNCT
fbem-18174	37	10	the	the	DET
fbem-18174	37	11	individual	individual	ADJ
fbem-18174	37	12	income	income	NOUN
fbem-18174	37	13	post	post	NOUN
fbem-18174	37	14	-	-	NOUN
fbem-18174	37	15	taxes	taxis	NOUN
fbem-18174	37	16	,	,	PUNCT
fbem-18174	37	17	is	be	AUX
fbem-18174	37	18	vital	vital	ADJ
fbem-18174	37	19	for	for	ADP
fbem-18174	37	20	insurance	insurance	NOUN
fbem-18174	37	21	markets	market	NOUN
fbem-18174	37	22	.	.	PUNCT
fbem-18174	38	1	wang	wang	PROPN
fbem-18174	38	2	(	(	PUNCT
fbem-18174	38	3	2011	2011	NUM
fbem-18174	38	4	)	)	PUNCT
fbem-18174	38	5	points	point	VERB
fbem-18174	38	6	out	out	ADP
fbem-18174	38	7	the	the	DET
fbem-18174	38	8	direct	direct	ADJ
fbem-18174	38	9	effect	effect	NOUN
fbem-18174	38	10	on	on	ADP
fbem-18174	38	11	insurance	insurance	NOUN
fbem-18174	38	12	sales	sale	NOUN
fbem-18174	38	13	,	,	PUNCT
fbem-18174	38	14	with	with	ADP
fbem-18174	38	15	each	each	DET
fbem-18174	38	16	yuan	yuan	NOUN
fbem-18174	38	17	of	of	ADP
fbem-18174	38	18	pcdi	pcdi	ADJ
fbem-18174	38	19	growth	growth	NOUN
fbem-18174	38	20	leading	lead	VERB
fbem-18174	38	21	to	to	ADP
fbem-18174	38	22	a	a	DET
fbem-18174	38	23	0.023	0.023	NUM
fbem-18174	38	24	billion	billion	NUM
fbem-18174	38	25	yuan	yuan	NOUN
fbem-18174	38	26	hike	hike	NOUN
fbem-18174	38	27	in	in	ADP
fbem-18174	38	28	life	life	NOUN
fbem-18174	38	29	insurance	insurance	NOUN
fbem-18174	38	30	premiums	premium	NOUN
fbem-18174	38	31	.	.	PUNCT
fbem-18174	39	1	educational	educational	ADJ
fbem-18174	39	2	attainment	attainment	NOUN
fbem-18174	39	3	(	(	PUNCT
fbem-18174	39	4	ea	ea	NOUN
fbem-18174	39	5	)	)	PUNCT
fbem-18174	39	6	ea	ea	NOUN
fbem-18174	39	7	is	be	AUX
fbem-18174	39	8	defined	define	VERB
fbem-18174	39	9	as	as	ADP
fbem-18174	39	10	the	the	DET
fbem-18174	39	11	percentage	percentage	NOUN
fbem-18174	39	12	of	of	ADP
fbem-18174	39	13	people	people	NOUN
fbem-18174	39	14	aged	age	VERB
fbem-18174	39	15	over	over	ADP
fbem-18174	39	16	six	six	NUM
fbem-18174	39	17	who	who	PRON
fbem-18174	39	18	have	have	AUX
fbem-18174	39	19	received	receive	VERB
fbem-18174	39	20	education	education	NOUN
fbem-18174	39	21	at	at	ADP
fbem-18174	39	22	a	a	DET
fbem-18174	39	23	high	high	ADJ
fbem-18174	39	24	school	school	NOUN
fbem-18174	39	25	level	level	NOUN
fbem-18174	39	26	or	or	CCONJ
fbem-18174	39	27	above	above	ADV
fbem-18174	39	28	.	.	PUNCT
fbem-18174	40	1	he	he	PRON
fbem-18174	40	2	(	(	PUNCT
fbem-18174	40	3	2019	2019	NUM
fbem-18174	40	4	)	)	PUNCT
fbem-18174	40	5	suggests	suggest	VERB
fbem-18174	40	6	that	that	SCONJ
fbem-18174	40	7	higher	high	ADJ
fbem-18174	40	8	ea	ea	NOUN
fbem-18174	40	9	is	be	AUX
fbem-18174	40	10	linked	link	VERB
fbem-18174	40	11	to	to	ADP
fbem-18174	40	12	greater	great	ADJ
fbem-18174	40	13	insurance	insurance	NOUN
fbem-18174	40	14	investment	investment	NOUN
fbem-18174	40	15	,	,	PUNCT
fbem-18174	40	16	as	as	SCONJ
fbem-18174	40	17	education	education	NOUN
fbem-18174	40	18	enhances	enhance	VERB
fbem-18174	40	19	risk	risk	NOUN
fbem-18174	40	20	awareness	awareness	NOUN
fbem-18174	40	21	and	and	CCONJ
fbem-18174	40	22	the	the	DET
fbem-18174	40	23	capacity	capacity	NOUN
fbem-18174	40	24	to	to	PART
fbem-18174	40	25	purchase	purchase	VERB
fbem-18174	40	26	insurance	insurance	NOUN
fbem-18174	40	27	.	.	PUNCT
fbem-18174	41	1	health	health	NOUN
fbem-18174	41	2	expenditure	expenditure	NOUN
fbem-18174	41	3	(	(	PUNCT
fbem-18174	41	4	he	he	PRON
fbem-18174	41	5	)	)	PUNCT
fbem-18174	41	6	he	he	PRON
fbem-18174	41	7	,	,	PUNCT
fbem-18174	41	8	the	the	DET
fbem-18174	41	9	total	total	ADJ
fbem-18174	41	10	healthcare	healthcare	NOUN
fbem-18174	41	11	spending	spending	NOUN
fbem-18174	41	12	,	,	PUNCT
fbem-18174	41	13	is	be	AUX
fbem-18174	41	14	key	key	ADJ
fbem-18174	41	15	to	to	ADP
fbem-18174	41	16	insurance	insurance	NOUN
fbem-18174	41	17	sector	sector	NOUN
fbem-18174	41	18	growth	growth	NOUN
fbem-18174	41	19	.	.	PUNCT
fbem-18174	42	1	wang	wang	PROPN
fbem-18174	42	2	(	(	PUNCT
fbem-18174	42	3	2020	2020	NUM
fbem-18174	42	4	)	)	PUNCT
fbem-18174	42	5	emphasizes	emphasize	VERB
fbem-18174	42	6	the	the	DET
fbem-18174	42	7	importance	importance	NOUN
fbem-18174	42	8	of	of	ADP
fbem-18174	42	9	cost	cost	NOUN
fbem-18174	42	10	management	management	NOUN
fbem-18174	42	11	between	between	ADP
fbem-18174	42	12	insurers	insurer	NOUN
fbem-18174	42	13	and	and	CCONJ
fbem-18174	42	14	healthcare	healthcare	NOUN
fbem-18174	42	15	providers	provider	NOUN
fbem-18174	42	16	to	to	PART
fbem-18174	42	17	support	support	VERB
fbem-18174	42	18	the	the	DET
fbem-18174	42	19	development	development	NOUN
fbem-18174	42	20	of	of	ADP
fbem-18174	42	21	health	health	NOUN
fbem-18174	42	22	insurance	insurance	NOUN
fbem-18174	42	23	.	.	PUNCT
fbem-18174	43	1	table	table	NOUN
fbem-18174	43	2	1	1	NUM
fbem-18174	43	3	.	.	PUNCT
fbem-18174	43	4	description	description	NOUN
fbem-18174	43	5	of	of	ADP
fbem-18174	43	6	the	the	DET
fbem-18174	43	7	variables	variables	ADJ
fbem-18174	43	8	variable	variable	ADJ
fbem-18174	43	9	definition	definition	NOUN
fbem-18174	43	10	unit	unit	NOUN
fbem-18174	43	11	premium	premium	PROPN
fbem-18174	43	12	income	income	NOUN
fbem-18174	43	13	(	(	PUNCT
fbem-18174	43	14	pi	pi	NOUN
fbem-18174	43	15	)	)	PUNCT
fbem-18174	43	16	the	the	DET
fbem-18174	43	17	fee	fee	NOUN
fbem-18174	43	18	charged	charge	VERB
fbem-18174	43	19	by	by	ADP
fbem-18174	43	20	insurance	insurance	NOUN
fbem-18174	43	21	companies	company	NOUN
fbem-18174	43	22	for	for	ADP
fbem-18174	43	23	insuring	insure	VERB
fbem-18174	43	24	the	the	DET
fbem-18174	43	25	life	life	NOUN
fbem-18174	43	26	and	and	CCONJ
fbem-18174	43	27	body	body	NOUN
fbem-18174	43	28	of	of	ADP
fbem-18174	43	29	a	a	DET
fbem-18174	43	30	person	person	NOUN
fbem-18174	43	31	,	,	PUNCT
fbem-18174	43	32	including	include	VERB
fbem-18174	43	33	life	life	NOUN
fbem-18174	43	34	insurance	insurance	NOUN
fbem-18174	43	35	,	,	PUNCT
fbem-18174	43	36	annuities	annuity	NOUN
fbem-18174	43	37	,	,	PUNCT
fbem-18174	43	38	health	health	NOUN
fbem-18174	43	39	insurance	insurance	NOUN
fbem-18174	43	40	and	and	CCONJ
fbem-18174	43	41	personal	personal	ADJ
fbem-18174	43	42	accident	accident	NOUN
fbem-18174	43	43	insurance	insurance	NOUN
fbem-18174	43	44	.	.	PUNCT
fbem-18174	44	1	yuan	yuan	NOUN
fbem-18174	44	2	in	in	ADP
fbem-18174	44	3	hundred	hundred	NUM
fbem-18174	44	4	million	million	NUM
fbem-18174	44	5	gross	gross	ADJ
fbem-18174	44	6	domestic	domestic	ADJ
fbem-18174	44	7	product	product	NOUN
fbem-18174	44	8	(	(	PUNCT
fbem-18174	44	9	gdp	gdp	NOUN
fbem-18174	44	10	)	)	PUNCT
fbem-18174	44	11	the	the	DET
fbem-18174	44	12	total	total	ADJ
fbem-18174	44	13	value	value	NOUN
fbem-18174	44	14	of	of	ADP
fbem-18174	44	15	all	all	DET
fbem-18174	44	16	the	the	DET
fbem-18174	44	17	goods	good	NOUN
fbem-18174	44	18	and	and	CCONJ
fbem-18174	44	19	services	service	NOUN
fbem-18174	44	20	produced	produce	VERB
fbem-18174	44	21	by	by	ADP
fbem-18174	44	22	a	a	DET
fbem-18174	44	23	country	country	NOUN
fbem-18174	44	24	in	in	ADP
fbem-18174	44	25	one	one	NUM
fbem-18174	44	26	year	year	NOUN
fbem-18174	44	27	.	.	PUNCT
fbem-18174	45	1	yuan	yuan	NOUN
fbem-18174	45	2	in	in	ADP
fbem-18174	45	3	hundred	hundred	NUM
fbem-18174	45	4	million	million	NUM
fbem-18174	45	5	social	social	ADJ
fbem-18174	45	6	welfare	welfare	NOUN
fbem-18174	45	7	(	(	PUNCT
fbem-18174	45	8	sw	sw	PROPN
fbem-18174	45	9	)	)	PUNCT
fbem-18174	45	10	a	a	DET
fbem-18174	45	11	form	form	NOUN
fbem-18174	45	12	of	of	ADP
fbem-18174	45	13	expenditure	expenditure	NOUN
fbem-18174	45	14	is	be	AUX
fbem-18174	45	15	used	use	VERB
fbem-18174	45	16	for	for	ADP
fbem-18174	45	17	the	the	DET
fbem-18174	45	18	operation	operation	NOUN
fbem-18174	45	19	of	of	ADP
fbem-18174	45	20	the	the	DET
fbem-18174	45	21	social	social	ADJ
fbem-18174	45	22	security	security	NOUN
fbem-18174	45	23	system	system	NOUN
fbem-18174	45	24	to	to	PART
fbem-18174	45	25	provide	provide	VERB
fbem-18174	45	26	a	a	DET
fbem-18174	45	27	minimum	minimum	ADJ
fbem-18174	45	28	standard	standard	NOUN
fbem-18174	45	29	of	of	ADP
fbem-18174	45	30	living	live	VERB
fbem-18174	45	31	for	for	ADP
fbem-18174	45	32	the	the	DET
fbem-18174	45	33	population	population	NOUN
fbem-18174	45	34	.	.	PUNCT
fbem-18174	46	1	yuan	yuan	NOUN
fbem-18174	46	2	in	in	ADP
fbem-18174	46	3	hundred	hundred	NUM
fbem-18174	46	4	million	million	NUM
fbem-18174	46	5	elderly	elderly	ADJ
fbem-18174	46	6	dependency	dependency	NOUN
fbem-18174	46	7	ratio	ratio	NOUN
fbem-18174	46	8	(	(	PUNCT
fbem-18174	46	9	edr	edr	PROPN
fbem-18174	46	10	)	)	PUNCT
fbem-18174	46	11	the	the	DET
fbem-18174	46	12	proportion	proportion	NOUN
fbem-18174	46	13	of	of	ADP
fbem-18174	46	14	population	population	NOUN
fbem-18174	46	15	aged	aged	ADJ
fbem-18174	46	16	65	65	NUM
fbem-18174	46	17	and	and	CCONJ
fbem-18174	46	18	over	over	ADV
fbem-18174	46	19	to	to	ADP
fbem-18174	46	20	working	work	VERB
fbem-18174	46	21	-	-	PUNCT
fbem-18174	46	22	age	age	NOUN
fbem-18174	46	23	population	population	NOUN
fbem-18174	46	24	aged	age	VERB
fbem-18174	46	25	15	15	NUM
fbem-18174	46	26	-	-	SYM
fbem-18174	46	27	64	64	NUM
fbem-18174	46	28	.	.	PUNCT
fbem-18174	47	1	percentage	percentage	NOUN
fbem-18174	47	2	per	per	ADP
fbem-18174	47	3	capita	capita	X
fbem-18174	47	4	disposable	disposable	ADJ
fbem-18174	47	5	income	income	NOUN
fbem-18174	47	6	(	(	PUNCT
fbem-18174	47	7	pcdi	pcdi	NOUN
fbem-18174	47	8	)	)	PUNCT
fbem-18174	47	9	balance	balance	NOUN
fbem-18174	47	10	of	of	ADP
fbem-18174	47	11	personal	personal	ADJ
fbem-18174	47	12	income	income	NOUN
fbem-18174	47	13	after	after	ADP
fbem-18174	47	14	deduction	deduction	NOUN
fbem-18174	47	15	of	of	ADP
fbem-18174	47	16	tax	tax	NOUN
fbem-18174	47	17	.	.	PUNCT
fbem-18174	48	1	yuan	yuan	NOUN
fbem-18174	48	2	education	education	PROPN
fbem-18174	48	3	attainment	attainment	NOUN
fbem-18174	48	4	(	(	PUNCT
fbem-18174	48	5	ea	ea	NOUN
fbem-18174	48	6	)	)	PUNCT
fbem-18174	48	7	the	the	DET
fbem-18174	48	8	percentage	percentage	NOUN
fbem-18174	48	9	of	of	ADP
fbem-18174	48	10	people	people	NOUN
fbem-18174	48	11	aged	age	VERB
fbem-18174	48	12	over	over	ADP
fbem-18174	48	13	six	six	NUM
fbem-18174	48	14	who	who	PRON
fbem-18174	48	15	have	have	AUX
fbem-18174	48	16	received	receive	VERB
fbem-18174	48	17	education	education	NOUN
fbem-18174	48	18	at	at	ADP
fbem-18174	48	19	a	a	DET
fbem-18174	48	20	high	high	ADJ
fbem-18174	48	21	school	school	NOUN
fbem-18174	48	22	level	level	NOUN
fbem-18174	48	23	or	or	CCONJ
fbem-18174	48	24	above	above	ADJ
fbem-18174	48	25	.	.	PUNCT
fbem-18174	49	1	percentage	percentage	NOUN
fbem-18174	49	2	health	health	NOUN
fbem-18174	49	3	expenditure	expenditure	NOUN
fbem-18174	49	4	(	(	PUNCT
fbem-18174	49	5	he	he	PRON
fbem-18174	49	6	)	)	PUNCT
fbem-18174	49	7	the	the	DET
fbem-18174	49	8	total	total	ADJ
fbem-18174	49	9	amount	amount	NOUN
fbem-18174	49	10	of	of	ADP
fbem-18174	49	11	money	money	NOUN
fbem-18174	49	12	consumed	consume	VERB
fbem-18174	49	13	by	by	ADP
fbem-18174	49	14	the	the	DET
fbem-18174	49	15	whole	whole	ADJ
fbem-18174	49	16	society	society	NOUN
fbem-18174	49	17	for	for	ADP
fbem-18174	49	18	health	health	NOUN
fbem-18174	49	19	services	service	NOUN
fbem-18174	49	20	in	in	ADP
fbem-18174	49	21	a	a	DET
fbem-18174	49	22	region	region	NOUN
fbem-18174	49	23	.	.	PUNCT
fbem-18174	50	1	yuan	yuan	NOUN
fbem-18174	50	2	in	in	ADP
fbem-18174	50	3	hundred	hundred	NUM
fbem-18174	50	4	million	million	NUM
fbem-18174	50	5	source	source	NOUN
fbem-18174	50	6	:	:	PUNCT
fbem-18174	50	7	author	author	NOUN
fbem-18174	50	8	-	-	PUNCT
fbem-18174	50	9	compiled	compile	VERB
fbem-18174	50	10	2.3	2.3	NUM
fbem-18174	50	11	.	.	PUNCT
fbem-18174	51	1	descriptive	descriptive	ADJ
fbem-18174	51	2	statistics	statistic	NOUN
fbem-18174	51	3	the	the	DET
fbem-18174	51	4	descriptive	descriptive	ADJ
fbem-18174	51	5	statistics	statistic	NOUN
fbem-18174	51	6	for	for	ADP
fbem-18174	51	7	initial	initial	ADJ
fbem-18174	51	8	data	datum	NOUN
fbem-18174	51	9	and	and	CCONJ
fbem-18174	51	10	the	the	DET
fbem-18174	51	11	relative	relative	ADJ
fbem-18174	51	12	frequency	frequency	NOUN
fbem-18174	51	13	of	of	ADP
fbem-18174	51	14	the	the	DET
fbem-18174	51	15	variables	variable	NOUN
fbem-18174	51	16	are	be	AUX
fbem-18174	51	17	shown	show	VERB
fbem-18174	51	18	in	in	ADP
fbem-18174	51	19	table	table	NOUN
fbem-18174	51	20	2	2	NUM
fbem-18174	51	21	and	and	CCONJ
fbem-18174	51	22	figure	figure	VERB
fbem-18174	51	23	1	1	NUM
fbem-18174	51	24	.	.	PUNCT
fbem-18174	51	25	table	table	NOUN
fbem-18174	52	1	2	2	NUM
fbem-18174	52	2	.	.	PUNCT
fbem-18174	52	3	descriptive	descriptive	ADJ
fbem-18174	52	4	statistics	statistic	NOUN
fbem-18174	52	5	for	for	ADP
fbem-18174	52	6	initial	initial	ADJ
fbem-18174	52	7	data	datum	NOUN
fbem-18174	52	8	pi	pi	PROPN
fbem-18174	52	9	gdp	gdp	PROPN
fbem-18174	52	10	sw	sw	PROPN
fbem-18174	52	11	edr	edr	PROPN
fbem-18174	52	12	pcdi	pcdi	PROPN
fbem-18174	52	13	ea	ea	PROPN
fbem-18174	53	1	he	he	PRON
fbem-18174	53	2	observation	observation	VERB
fbem-18174	53	3	186	186	NUM
fbem-18174	53	4	186	186	NUM
fbem-18174	53	5	186	186	NUM
fbem-18174	53	6	186	186	NUM
fbem-18174	53	7	186	186	NUM
fbem-18174	53	8	186	186	NUM
fbem-18174	53	9	186	186	NUM
fbem-18174	53	10	mean	mean	NOUN
fbem-18174	53	11	1196.86	1196.86	NUM
fbem-18174	53	12	30279.1	30279.1	NUM
fbem-18174	53	13	874.39	874.39	NUM
fbem-18174	53	14	16.760	16.760	NUM
fbem-18174	53	15	29264.47	29264.47	NUM
fbem-18174	53	16	0.329	0.329	NUM
fbem-18174	53	17	1993.94	1993.94	NUM
fbem-18174	53	18	sd	sd	ADP
fbem-18174	53	19	942.84	942.84	NUM
fbem-18174	53	20	25018.8	25018.8	NUM
fbem-18174	53	21	444.91	444.91	NUM
fbem-18174	53	22	4.278	4.278	NUM
fbem-18174	53	23	12249	12249	NUM
fbem-18174	53	24	0.970	0.970	NUM
fbem-18174	53	25	1346.98	1346.98	NUM
fbem-18174	53	26	minimum	minimum	NOUN
fbem-18174	53	27	22.25	22.25	NUM
fbem-18174	53	28	1173	1173	NUM
fbem-18174	53	29	107.92	107.92	NUM
fbem-18174	53	30	7.01	7.01	NUM
fbem-18174	53	31	13639	13639	NUM
fbem-18174	53	32	0.111	0.111	NUM
fbem-18174	53	33	124.98	124.98	NUM
fbem-18174	53	34	median	median	NOUN
fbem-18174	53	35	891.85	891.85	NUM
fbem-18174	53	36	23773.9	23773.9	NUM
fbem-18174	53	37	842.748	842.748	NUM
fbem-18174	53	38	16.375	16.375	NUM
fbem-18174	53	39	25743	25743	NUM
fbem-18174	53	40	0.317	0.317	NUM
fbem-18174	53	41	1670.70	1670.70	NUM
fbem-18174	53	42	maximum	maximum	ADJ
fbem-18174	53	43	4199.34	4199.34	NUM
fbem-18174	53	44	124720	124720	NUM
fbem-18174	53	45	2165.82	2165.82	NUM
fbem-18174	53	46	26.7	26.7	NUM
fbem-18174	53	47	78026.6	78026.6	NUM
fbem-18174	53	48	0.699	0.699	NUM
fbem-18174	53	49	7622.19	7622.19	NUM
fbem-18174	53	50	source	source	NOUN
fbem-18174	53	51	:	:	PUNCT
fbem-18174	53	52	author	author	NOUN
fbem-18174	53	53	-	-	PUNCT
fbem-18174	53	54	compiled	compile	VERB
fbem-18174	53	55	figure	figure	NOUN
fbem-18174	53	56	1	1	NUM
fbem-18174	53	57	.	.	PUNCT
fbem-18174	53	58	relative	relative	ADJ
fbem-18174	53	59	frequency	frequency	NOUN
fbem-18174	53	60	of	of	ADP
fbem-18174	53	61	variables	variable	NOUN
fbem-18174	53	62	2.4	2.4	NUM
fbem-18174	53	63	.	.	PUNCT
fbem-18174	54	1	data	datum	NOUN
fbem-18174	54	2	processing	processing	NOUN
fbem-18174	54	3	due	due	ADP
fbem-18174	54	4	to	to	ADP
fbem-18174	54	5	the	the	DET
fbem-18174	54	6	absence	absence	NOUN
fbem-18174	54	7	of	of	ADP
fbem-18174	54	8	2021	2021	NUM
fbem-18174	54	9	health	health	NOUN
fbem-18174	54	10	expenditure	expenditure	NOUN
fbem-18174	54	11	data	datum	NOUN
fbem-18174	54	12	in	in	ADP
fbem-18174	54	13	the	the	DET
fbem-18174	54	14	cnki	cnki	ADJ
fbem-18174	54	15	database	database	NOUN
fbem-18174	54	16	,	,	PUNCT
fbem-18174	54	17	matlab	matlab	PROPN
fbem-18174	54	18	’s	’s	PART
fbem-18174	54	19	‘	'	PUNCT
fbem-18174	54	20	polyfit	polyfit	ADJ
fbem-18174	54	21	’	'	PUNCT
fbem-18174	54	22	and	and	CCONJ
fbem-18174	54	23	‘	'	PUNCT
fbem-18174	54	24	polyval	polyval	NOUN
fbem-18174	54	25	’	'	PUNCT
fbem-18174	54	26	functions	function	NOUN
fbem-18174	54	27	were	be	AUX
fbem-18174	54	28	used	use	VERB
fbem-18174	54	29	to	to	PART
fbem-18174	54	30	predict	predict	VERB
fbem-18174	54	31	the	the	DET
fbem-18174	54	32	figure	figure	NOUN
fbem-18174	54	33	from	from	ADP
fbem-18174	54	34	previous	previous	ADJ
fbem-18174	54	35	years	year	NOUN
fbem-18174	54	36	'	'	PART
fbem-18174	54	37	data	datum	NOUN
fbem-18174	54	38	(	(	PUNCT
fbem-18174	54	39	mathworks	mathworks	PROPN
fbem-18174	54	40	,	,	PUNCT
fbem-18174	54	41	2022	2022	NUM
fbem-18174	54	42	)	)	PUNCT
fbem-18174	54	43	.	.	PUNCT
fbem-18174	55	1	given	give	VERB
fbem-18174	55	2	the	the	DET
fbem-18174	55	3	differences	difference	NOUN
fbem-18174	55	4	in	in	ADP
fbem-18174	55	5	units	unit	NOUN
fbem-18174	55	6	and	and	CCONJ
fbem-18174	55	7	magnitudes	magnitude	NOUN
fbem-18174	55	8	of	of	ADP
fbem-18174	55	9	various	various	ADJ
fbem-18174	55	10	variables	variable	NOUN
fbem-18174	55	11	,	,	PUNCT
fbem-18174	55	12	this	this	DET
fbem-18174	55	13	research	research	NOUN
fbem-18174	55	14	has	have	AUX
fbem-18174	55	15	normalized	normalize	VERB
fbem-18174	55	16	150	150	NUM
fbem-18174	55	17	the	the	DET
fbem-18174	55	18	data	datum	NOUN
fbem-18174	55	19	using	use	VERB
fbem-18174	55	20	the	the	DET
fbem-18174	55	21	min	min	ADJ
fbem-18174	55	22	-	-	ADJ
fbem-18174	55	23	max	max	PROPN
fbem-18174	55	24	normalization	normalization	NOUN
fbem-18174	55	25	technique	technique	NOUN
fbem-18174	55	26	.	.	PUNCT
fbem-18174	56	1	this	this	DET
fbem-18174	56	2	approach	approach	NOUN
fbem-18174	56	3	ensures	ensure	VERB
fbem-18174	56	4	all	all	DET
fbem-18174	56	5	feature	feature	NOUN
fbem-18174	56	6	values	value	NOUN
fbem-18174	56	7	are	be	AUX
fbem-18174	56	8	mapped	map	VERB
fbem-18174	56	9	within	within	ADP
fbem-18174	56	10	the	the	DET
fbem-18174	56	11	[	[	X
fbem-18174	56	12	0	0	NUM
fbem-18174	56	13	,	,	PUNCT
fbem-18174	56	14	1	1	NUM
fbem-18174	56	15	]	]	X
fbem-18174	56	16	range	range	NOUN
fbem-18174	56	17	,	,	PUNCT
fbem-18174	56	18	crucial	crucial	ADJ
fbem-18174	56	19	for	for	ADP
fbem-18174	56	20	maintaining	maintain	VERB
fbem-18174	56	21	uniformity	uniformity	NOUN
fbem-18174	56	22	across	across	ADP
fbem-18174	56	23	varied	varied	ADJ
fbem-18174	56	24	datasets	dataset	NOUN
fbem-18174	56	25	(	(	PUNCT
fbem-18174	56	26	muhammad	muhammad	PROPN
fbem-18174	56	27	ali	ali	PROPN
fbem-18174	56	28	,	,	PUNCT
fbem-18174	56	29	2022	2022	NUM
fbem-18174	56	30	)	)	PUNCT
fbem-18174	56	31	.	.	PUNCT
fbem-18174	57	1	furthermore	furthermore	ADV
fbem-18174	57	2	,	,	PUNCT
fbem-18174	57	3	as	as	SCONJ
fbem-18174	57	4	o'reilly	o'reilly	PROPN
fbem-18174	57	5	(	(	PUNCT
fbem-18174	57	6	2022	2022	NUM
fbem-18174	57	7	)	)	PUNCT
fbem-18174	57	8	discusses	discuss	VERB
fbem-18174	57	9	,	,	PUNCT
fbem-18174	57	10	min	min	PROPN
fbem-18174	57	11	-	-	ADJ
fbem-18174	57	12	max	max	NOUN
fbem-18174	57	13	normalization	normalization	NOUN
fbem-18174	57	14	not	not	PART
fbem-18174	57	15	only	only	ADV
fbem-18174	57	16	scales	scale	VERB
fbem-18174	57	17	the	the	DET
fbem-18174	57	18	data	datum	NOUN
fbem-18174	57	19	but	but	CCONJ
fbem-18174	57	20	also	also	ADV
fbem-18174	57	21	preserves	preserve	VERB
fbem-18174	57	22	the	the	DET
fbem-18174	57	23	original	original	ADJ
fbem-18174	57	24	relationships	relationship	NOUN
fbem-18174	57	25	among	among	ADP
fbem-18174	57	26	data	datum	NOUN
fbem-18174	57	27	values	value	NOUN
fbem-18174	57	28	,	,	PUNCT
fbem-18174	57	29	albeit	albeit	SCONJ
fbem-18174	57	30	with	with	ADP
fbem-18174	57	31	smaller	small	ADJ
fbem-18174	57	32	standard	standard	ADJ
fbem-18174	57	33	deviations	deviation	NOUN
fbem-18174	57	34	which	which	PRON
fbem-18174	57	35	can	can	AUX
fbem-18174	57	36	reduce	reduce	VERB
fbem-18174	57	37	the	the	DET
fbem-18174	57	38	impact	impact	NOUN
fbem-18174	57	39	of	of	ADP
fbem-18174	57	40	outliers	outlier	NOUN
fbem-18174	57	41	.	.	PUNCT
fbem-18174	58	1	the	the	DET
fbem-18174	58	2	mathematical	mathematical	ADJ
fbem-18174	58	3	formulation	formulation	NOUN
fbem-18174	58	4	of	of	ADP
fbem-18174	58	5	min	min	ADJ
fbem-18174	58	6	-	-	ADJ
fbem-18174	58	7	max	max	PROPN
fbem-18174	58	8	normalization	normalization	NOUN
fbem-18174	58	9	is	be	AUX
fbem-18174	58	10	expressed	express	VERB
fbem-18174	58	11	as	as	SCONJ
fbem-18174	58	12	follows	follow	VERB
fbem-18174	58	13	:	:	PUNCT
fbem-18174	58	14	(	(	PUNCT
fbem-18174	58	15	_	_	PUNCT
fbem-18174	58	16	_	_	PUNCT
fbem-18174	58	17	)	)	PUNCT
fbem-18174	59	1	_	_	PUNCT
fbem-18174	60	1	10	10	NUM
fbem-18174	60	2	0	0	NUM
fbem-18174	60	3	(	(	PUNCT
fbem-18174	60	4	_	_	PUNCT
fbem-18174	60	5	_	_	PUNCT
fbem-18174	60	6	)	)	PUNCT
fbem-18174	61	1	o	o	NOUN
fbem-18174	61	2	rig	rig	NOUN
fbem-18174	61	3	in	in	ADP
fbem-18174	61	4	al	al	PROPN
fbem-18174	61	5	v	v	ADP
fbem-18174	61	6	a	a	DET
fbem-18174	61	7	lu	lu	NOUN
fbem-18174	61	8	e	e	NOUN
fbem-18174	61	9	m	m	NOUN
fbem-18174	61	10	in	in	ADP
fbem-18174	61	11	v	v	NUM
fbem-18174	61	12	alue	alue	NOUN
fbem-18174	61	13	n	n	PRON
fbem-18174	61	14	orm	orm	NOUN
fbem-18174	61	15	a	a	DET
fbem-18174	61	16	lized	lize	VERB
fbem-18174	61	17	v	v	ADP
fbem-18174	61	18	a	a	DET
fbem-18174	61	19	lue	lue	NOUN
fbem-18174	61	20	m	m	PROPN
fbem-18174	61	21	a	a	DET
fbem-18174	61	22	x	x	SYM
fbem-18174	61	23	v	v	X
fbem-18174	61	24	alu	alu	X
fbem-18174	61	25	e	e	PROPN
fbem-18174	61	26	m	m	PROPN
fbem-18174	61	27	in	in	ADP
fbem-18174	61	28	v	v	NUM
fbem-18174	61	29	alue	alue	PROPN
fbem-18174	61	30			NOUN
fbem-18174	61	31			PROPN
fbem-18174	61	32			NOUN
fbem-18174	61	33			VERB
fbem-18174	61	34	the	the	DET
fbem-18174	61	35	correlation	correlation	NOUN
fbem-18174	61	36	between	between	ADP
fbem-18174	61	37	the	the	DET
fbem-18174	61	38	variables	variable	NOUN
fbem-18174	61	39	is	be	AUX
fbem-18174	61	40	shown	show	VERB
fbem-18174	61	41	in	in	ADP
fbem-18174	61	42	table	table	NOUN
fbem-18174	61	43	3	3	NUM
fbem-18174	61	44	.	.	PUNCT
fbem-18174	62	1	all	all	DET
fbem-18174	62	2	six	six	NUM
fbem-18174	62	3	variables	variable	NOUN
fbem-18174	62	4	have	have	VERB
fbem-18174	62	5	a	a	DET
fbem-18174	62	6	strong	strong	ADJ
fbem-18174	62	7	positive	positive	ADJ
fbem-18174	62	8	correlation	correlation	NOUN
fbem-18174	62	9	with	with	ADP
fbem-18174	62	10	pi	pi	NOUN
fbem-18174	62	11	,	,	PUNCT
fbem-18174	62	12	particularly	particularly	ADV
fbem-18174	62	13	he	he	PRON
fbem-18174	62	14	and	and	CCONJ
fbem-18174	62	15	gdp	gdp	NOUN
fbem-18174	62	16	,	,	PUNCT
fbem-18174	62	17	exceeding	exceed	VERB
fbem-18174	62	18	0.9	0.9	NUM
fbem-18174	62	19	.	.	PUNCT
fbem-18174	63	1	this	this	PRON
fbem-18174	63	2	allows	allow	VERB
fbem-18174	63	3	us	we	PRON
fbem-18174	63	4	to	to	PART
fbem-18174	63	5	preliminarily	preliminarily	ADV
fbem-18174	63	6	deduce	deduce	VERB
fbem-18174	63	7	the	the	DET
fbem-18174	63	8	relationships	relationship	NOUN
fbem-18174	63	9	between	between	ADP
fbem-18174	63	10	the	the	DET
fbem-18174	63	11	variables	variable	NOUN
fbem-18174	63	12	and	and	CCONJ
fbem-18174	63	13	affirm	affirm	NOUN
fbem-18174	63	14	that	that	PRON
fbem-18174	63	15	ceteris	ceteris	VERB
fbem-18174	63	16	paribus	paribus	NOUN
fbem-18174	63	17	,	,	PUNCT
fbem-18174	63	18	all	all	DET
fbem-18174	63	19	variables	variable	NOUN
fbem-18174	63	20	in	in	ADP
fbem-18174	63	21	the	the	DET
fbem-18174	63	22	model	model	NOUN
fbem-18174	63	23	are	be	AUX
fbem-18174	63	24	statistically	statistically	ADV
fbem-18174	63	25	significant	significant	ADJ
fbem-18174	63	26	.	.	PUNCT
fbem-18174	64	1	table	table	NOUN
fbem-18174	64	2	3	3	NUM
fbem-18174	64	3	.	.	X
fbem-18174	64	4	correlation	correlation	NOUN
fbem-18174	64	5	pi	pi	PROPN
fbem-18174	64	6	sw	sw	PROPN
fbem-18174	64	7	pcdi	pcdi	PROPN
fbem-18174	64	8	gdp	gdp	PROPN
fbem-18174	64	9	edr	edr	PROPN
fbem-18174	64	10	he	he	PRON
fbem-18174	64	11	sw	sw	PROPN
fbem-18174	64	12	correlation	correlation	NOUN
fbem-18174	64	13	0.800	0.800	NUM
fbem-18174	64	14	*	*	PUNCT
fbem-18174	64	15	*	*	PUNCT
fbem-18174	64	16	*	*	PUNCT
fbem-18174	64	17	p	p	NUM
fbem-18174	64	18	-	-	PUNCT
fbem-18174	64	19	value	value	NOUN
fbem-18174	64	20	0.000	0.000	NUM
fbem-18174	64	21	pcdi	pcdi	NOUN
fbem-18174	64	22	correlation	correlation	NOUN
fbem-18174	64	23	0.492	0.492	NUM
fbem-18174	64	24	*	*	PUNCT
fbem-18174	64	25	*	*	PUNCT
fbem-18174	64	26	*	*	PUNCT
fbem-18174	64	27	0.289	0.289	NUM
fbem-18174	64	28	*	*	PUNCT
fbem-18174	64	29	*	*	PUNCT
fbem-18174	64	30	*	*	PUNCT
fbem-18174	64	31	p	p	NOUN
fbem-18174	64	32	-	-	PUNCT
fbem-18174	64	33	value	value	NOUN
fbem-18174	64	34	0.000	0.000	NUM
fbem-18174	64	35	0.000	0.000	NUM
fbem-18174	64	36	gdp	gdp	NOUN
fbem-18174	64	37	correlation	correlation	NOUN
fbem-18174	64	38	0.953	0.953	NUM
fbem-18174	64	39	*	*	PUNCT
fbem-18174	64	40	*	*	PUNCT
fbem-18174	64	41	*	*	PUNCT
fbem-18174	64	42	0.757	0.757	NUM
fbem-18174	64	43	*	*	PUNCT
fbem-18174	64	44	*	*	PUNCT
fbem-18174	64	45	*	*	PUNCT
fbem-18174	64	46	0.429	0.429	NUM
fbem-18174	64	47	*	*	PUNCT
fbem-18174	64	48	*	*	PUNCT
fbem-18174	64	49	*	*	PUNCT
fbem-18174	64	50	p	p	NOUN
fbem-18174	64	51	-	-	PUNCT
fbem-18174	64	52	value	value	NOUN
fbem-18174	64	53	0.000	0.000	NUM
fbem-18174	64	54	0.000	0.000	NUM
fbem-18174	64	55	0.000	0.000	NUM
fbem-18174	64	56	edr	edr	NOUN
fbem-18174	64	57	correlation	correlation	NOUN
fbem-18174	64	58	0.404	0.404	NOUN
fbem-18174	64	59	*	*	PUNCT
fbem-18174	64	60	*	*	PUNCT
fbem-18174	64	61	*	*	PUNCT
fbem-18174	64	62	0.661	0.661	NUM
fbem-18174	64	63	*	*	PUNCT
fbem-18174	64	64	*	*	PUNCT
fbem-18174	64	65	*	*	PUNCT
fbem-18174	64	66	0.328	0.328	NUM
fbem-18174	64	67	*	*	PUNCT
fbem-18174	64	68	*	*	PUNCT
fbem-18174	64	69	*	*	PUNCT
fbem-18174	65	1	0.359	0.359	PUNCT
fbem-18174	65	2	*	*	PUNCT
fbem-18174	65	3	*	*	PUNCT
fbem-18174	65	4	*	*	PUNCT
fbem-18174	65	5	p	p	NOUN
fbem-18174	65	6	-	-	PUNCT
fbem-18174	65	7	value	value	NOUN
fbem-18174	65	8	0.000	0.000	NUM
fbem-18174	65	9	0.000	0.000	NUM
fbem-18174	65	10	0.000	0.000	NUM
fbem-18174	65	11	0.000	0.000	NUM
fbem-18174	65	12	he	he	PRON
fbem-18174	65	13	correlation	correlation	VERB
fbem-18174	65	14	0.954	0.954	NUM
fbem-18174	65	15	*	*	PUNCT
fbem-18174	65	16	*	*	PUNCT
fbem-18174	65	17	*	*	PUNCT
fbem-18174	66	1	0.868	0.868	NUM
fbem-18174	66	2	*	*	PUNCT
fbem-18174	66	3	*	*	PUNCT
fbem-18174	66	4	*	*	NOUN
fbem-18174	66	5	0.421	0.421	NUM
fbem-18174	66	6	*	*	PUNCT
fbem-18174	66	7	*	*	PUNCT
fbem-18174	66	8	*	*	PUNCT
fbem-18174	66	9	0.952	0.952	NUM
fbem-18174	66	10	*	*	PUNCT
fbem-18174	66	11	*	*	PUNCT
fbem-18174	66	12	*	*	PUNCT
fbem-18174	66	13	0.439	0.439	NUM
fbem-18174	66	14	*	*	PUNCT
fbem-18174	66	15	*	*	PUNCT
fbem-18174	66	16	*	*	PUNCT
fbem-18174	66	17	p	p	NOUN
fbem-18174	66	18	-	-	PUNCT
fbem-18174	66	19	value	value	NOUN
fbem-18174	66	20	0.000	0.000	NUM
fbem-18174	66	21	0.000	0.000	NUM
fbem-18174	67	1	0.000	0.000	NUM
fbem-18174	67	2	0.000	0.000	NUM
fbem-18174	67	3	0.000	0.000	NUM
fbem-18174	67	4	ea	ea	NOUN
fbem-18174	67	5	correlation	correlation	NOUN
fbem-18174	67	6	0.323	0.323	NUM
fbem-18174	67	7	*	*	PUNCT
fbem-18174	67	8	*	*	PUNCT
fbem-18174	67	9	*	*	PUNCT
fbem-18174	67	10	0.186	0.186	NUM
fbem-18174	67	11	*	*	PUNCT
fbem-18174	67	12	*	*	PUNCT
fbem-18174	67	13	*	*	PUNCT
fbem-18174	67	14	0.828	0.828	NUM
fbem-18174	67	15	*	*	PUNCT
fbem-18174	67	16	*	*	PUNCT
fbem-18174	67	17	*	*	PUNCT
fbem-18174	67	18	0.200	0.200	NUM
fbem-18174	67	19	*	*	PUNCT
fbem-18174	67	20	*	*	PUNCT
fbem-18174	67	21	*	*	PUNCT
fbem-18174	67	22	0.254	0.254	NUM
fbem-18174	67	23	*	*	PUNCT
fbem-18174	67	24	*	*	PUNCT
fbem-18174	67	25	*	*	PUNCT
fbem-18174	67	26	0.228	0.228	NUM
fbem-18174	67	27	*	*	PUNCT
fbem-18174	67	28	*	*	PUNCT
fbem-18174	67	29	p	p	NOUN
fbem-18174	67	30	-	-	PUNCT
fbem-18174	67	31	value	value	NOUN
fbem-18174	68	1	0.000	0.000	NUM
fbem-18174	68	2	0.011	0.011	NUM
fbem-18174	68	3	0.000	0.000	NUM
fbem-18174	68	4	0.006	0.006	NUM
fbem-18174	68	5	0.000	0.000	NUM
fbem-18174	68	6	0.002	0.002	NUM
fbem-18174	68	7	source	source	NOUN
fbem-18174	68	8	:	:	PUNCT
fbem-18174	68	9	author	author	NOUN
fbem-18174	68	10	-	-	PUNCT
fbem-18174	68	11	compiled	compile	VERB
fbem-18174	68	12	table	table	NOUN
fbem-18174	68	13	4	4	NUM
fbem-18174	68	14	.	.	PUNCT
fbem-18174	69	1	vif	vif	PROPN
fbem-18174	69	2	variable	variable	PROPN
fbem-18174	69	3	vif	vif	PROPN
fbem-18174	69	4	1	1	NUM
fbem-18174	69	5	/	/	SYM
fbem-18174	69	6	vif	vif	X
fbem-18174	69	7	he	he	PRON
fbem-18174	69	8	26.02	26.02	NUM
fbem-18174	69	9	0.038	0.038	NUM
fbem-18174	69	10	gdp	gdp	NOUN
fbem-18174	69	11	13.90	13.90	NUM
fbem-18174	69	12	0.072	0.072	NUM
fbem-18174	69	13	sw	sw	PROPN
fbem-18174	69	14	9.36	9.36	NUM
fbem-18174	69	15	0.107	0.107	NUM
fbem-18174	69	16	edr	edr	PROPN
fbem-18174	69	17	4.69	4.69	NUM
fbem-18174	69	18	0.213	0.213	NUM
fbem-18174	69	19	pcdi	pcdi	NOUN
fbem-18174	69	20	3.68	3.68	NUM
fbem-18174	69	21	0.272	0.272	NUM
fbem-18174	69	22	ea	ea	ADP
fbem-18174	69	23	2.41	2.41	NUM
fbem-18174	69	24	0.416	0.416	NUM
fbem-18174	69	25	mean	mean	NOUN
fbem-18174	69	26	vif	vif	PROPN
fbem-18174	69	27	10.01	10.01	NUM
fbem-18174	69	28	source	source	NOUN
fbem-18174	69	29	:	:	PUNCT
fbem-18174	69	30	author	author	NOUN
fbem-18174	69	31	-	-	PUNCT
fbem-18174	69	32	compiled	compile	VERB
fbem-18174	69	33	figure	figure	NOUN
fbem-18174	69	34	2	2	NUM
fbem-18174	69	35	.	.	X
fbem-18174	69	36	average	average	ADJ
fbem-18174	69	37	gdp	gdp	NOUN
fbem-18174	69	38	distribution	distribution	NOUN
fbem-18174	69	39	figure	figure	NOUN
fbem-18174	69	40	3	3	NUM
fbem-18174	69	41	.	.	PUNCT
fbem-18174	69	42	average	average	ADJ
fbem-18174	69	43	he	he	PRON
fbem-18174	69	44	distribution	distribution	NOUN
fbem-18174	69	45	figure	figure	NOUN
fbem-18174	69	46	4	4	NUM
fbem-18174	69	47	.	.	PUNCT
fbem-18174	69	48	average	average	ADJ
fbem-18174	69	49	pi	pi	NOUN
fbem-18174	69	50	distribution	distribution	NOUN
fbem-18174	69	51	151	151	NUM
fbem-18174	69	52	in	in	ADP
fbem-18174	69	53	order	order	NOUN
fbem-18174	69	54	to	to	PART
fbem-18174	69	55	test	test	VERB
fbem-18174	69	56	multicollinearity	multicollinearity	NOUN
fbem-18174	69	57	more	more	ADV
fbem-18174	69	58	precisely	precisely	ADV
fbem-18174	69	59	,	,	PUNCT
fbem-18174	69	60	we	we	PRON
fbem-18174	69	61	check	check	VERB
fbem-18174	69	62	the	the	DET
fbem-18174	69	63	variance	variance	NOUN
fbem-18174	69	64	inflation	inflation	NOUN
fbem-18174	69	65	factor	factor	NOUN
fbem-18174	69	66	(	(	PUNCT
fbem-18174	69	67	vif	vif	PROPN
fbem-18174	69	68	)	)	PUNCT
fbem-18174	69	69	.	.	PUNCT
fbem-18174	70	1	according	accord	VERB
fbem-18174	70	2	to	to	ADP
fbem-18174	70	3	table	table	NOUN
fbem-18174	70	4	3	3	NUM
fbem-18174	70	5	and	and	CCONJ
fbem-18174	70	6	table	table	NOUN
fbem-18174	70	7	4	4	NUM
fbem-18174	70	8	,	,	PUNCT
fbem-18174	70	9	gdp	gdp	NOUN
fbem-18174	70	10	and	and	CCONJ
fbem-18174	70	11	he	he	PRON
fbem-18174	70	12	exhibit	exhibit	VERB
fbem-18174	70	13	exceedingly	exceedingly	ADV
fbem-18174	70	14	high	high	ADJ
fbem-18174	70	15	vif	vif	NOUN
fbem-18174	70	16	values	value	NOUN
fbem-18174	70	17	of	of	ADP
fbem-18174	70	18	13.90	13.90	NUM
fbem-18174	70	19	and	and	CCONJ
fbem-18174	70	20	26.02	26.02	NUM
fbem-18174	70	21	,	,	PUNCT
fbem-18174	70	22	respectively	respectively	ADV
fbem-18174	70	23	,	,	PUNCT
fbem-18174	70	24	and	and	CCONJ
fbem-18174	70	25	high	high	ADJ
fbem-18174	70	26	correlation	correlation	NOUN
fbem-18174	70	27	coefficients	coefficient	NOUN
fbem-18174	70	28	of	of	ADP
fbem-18174	70	29	0.9530	0.9530	NUM
fbem-18174	70	30	and	and	CCONJ
fbem-18174	70	31	0.9540	0.9540	NUM
fbem-18174	70	32	with	with	ADP
fbem-18174	70	33	pi	pi	NOUN
fbem-18174	70	34	,	,	PUNCT
fbem-18174	70	35	indicating	indicate	VERB
fbem-18174	70	36	a	a	DET
fbem-18174	70	37	substantial	substantial	ADJ
fbem-18174	70	38	linear	linear	NOUN
fbem-18174	70	39	relationship	relationship	NOUN
fbem-18174	70	40	with	with	ADP
fbem-18174	70	41	other	other	ADJ
fbem-18174	70	42	variables	variable	NOUN
fbem-18174	70	43	.	.	PUNCT
fbem-18174	71	1	meanwhile	meanwhile	ADV
fbem-18174	71	2	,	,	PUNCT
fbem-18174	71	3	based	base	VERB
fbem-18174	71	4	on	on	ADP
fbem-18174	71	5	figure	figure	NOUN
fbem-18174	71	6	2	2	NUM
fbem-18174	71	7	to	to	PART
fbem-18174	71	8	figure	figure	VERB
fbem-18174	71	9	4	4	NUM
fbem-18174	71	10	,	,	PUNCT
fbem-18174	71	11	the	the	DET
fbem-18174	71	12	distribution	distribution	NOUN
fbem-18174	71	13	of	of	ADP
fbem-18174	71	14	gdp	gdp	NOUN
fbem-18174	71	15	,	,	PUNCT
fbem-18174	71	16	he	he	PRON
fbem-18174	71	17	and	and	CCONJ
fbem-18174	71	18	pi	pi	NOUN
fbem-18174	71	19	are	be	AUX
fbem-18174	71	20	similar	similar	ADJ
fbem-18174	71	21	to	to	ADP
fbem-18174	71	22	large	large	ADJ
fbem-18174	71	23	extent	extent	NOUN
fbem-18174	71	24	.	.	PUNCT
fbem-18174	72	1	furthermore	furthermore	ADV
fbem-18174	72	2	,	,	PUNCT
fbem-18174	72	3	for	for	ADP
fbem-18174	72	4	sw	sw	PROPN
fbem-18174	72	5	,	,	PUNCT
fbem-18174	72	6	although	although	SCONJ
fbem-18174	72	7	the	the	DET
fbem-18174	72	8	vif	vif	NOUN
fbem-18174	72	9	is	be	AUX
fbem-18174	72	10	9.36	9.36	NUM
fbem-18174	72	11	,	,	PUNCT
fbem-18174	72	12	the	the	DET
fbem-18174	72	13	considerable	considerable	ADJ
fbem-18174	72	14	correlation	correlation	NOUN
fbem-18174	72	15	coefficient	coefficient	NOUN
fbem-18174	72	16	of	of	ADP
fbem-18174	72	17	0.800	0.800	NUM
fbem-18174	72	18	with	with	ADP
fbem-18174	72	19	pi	pi	NOUN
fbem-18174	72	20	suggests	suggest	VERB
fbem-18174	72	21	underlying	underlie	VERB
fbem-18174	72	22	collinearity	collinearity	NOUN
fbem-18174	72	23	concerns	concern	NOUN
fbem-18174	72	24	.	.	PUNCT
fbem-18174	73	1	therefore	therefore	ADV
fbem-18174	73	2	,	,	PUNCT
fbem-18174	73	3	we	we	PRON
fbem-18174	73	4	exclude	exclude	VERB
fbem-18174	73	5	he	he	PRON
fbem-18174	73	6	and	and	CCONJ
fbem-18174	73	7	gdp	gdp	NOUN
fbem-18174	73	8	from	from	ADP
fbem-18174	73	9	the	the	DET
fbem-18174	73	10	model	model	NOUN
fbem-18174	73	11	.	.	PUNCT
fbem-18174	74	1	the	the	DET
fbem-18174	74	2	following	follow	VERB
fbem-18174	74	3	table	table	NOUN
fbem-18174	74	4	5	5	NUM
fbem-18174	74	5	shows	show	VERB
fbem-18174	74	6	the	the	DET
fbem-18174	74	7	adjusted	adjusted	ADJ
fbem-18174	74	8	vif	vif	NOUN
fbem-18174	74	9	after	after	ADP
fbem-18174	74	10	excluding	exclude	VERB
fbem-18174	74	11	he	he	PRON
fbem-18174	74	12	and	and	CCONJ
fbem-18174	74	13	gdp	gdp	PROPN
fbem-18174	74	14	,	,	PUNCT
fbem-18174	74	15	which	which	PRON
fbem-18174	74	16	are	be	AUX
fbem-18174	74	17	all	all	ADV
fbem-18174	74	18	below	below	ADP
fbem-18174	74	19	5	5	NUM
fbem-18174	74	20	.	.	PUNCT
fbem-18174	75	1	the	the	DET
fbem-18174	75	2	descriptive	descriptive	ADJ
fbem-18174	75	3	statistics	statistic	NOUN
fbem-18174	75	4	for	for	ADP
fbem-18174	75	5	processed	process	VERB
fbem-18174	75	6	data	datum	NOUN
fbem-18174	75	7	are	be	AUX
fbem-18174	75	8	displayed	display	VERB
fbem-18174	75	9	in	in	ADP
fbem-18174	75	10	table	table	NOUN
fbem-18174	75	11	6	6	NUM
fbem-18174	75	12	.	.	PUNCT
fbem-18174	75	13	table	table	NOUN
fbem-18174	75	14	5	5	NUM
fbem-18174	75	15	.	.	PUNCT
fbem-18174	75	16	adjusted	adjust	VERB
fbem-18174	75	17	vif	vif	PROPN
fbem-18174	75	18	variable	variable	ADJ
fbem-18174	75	19	vif	vif	PROPN
fbem-18174	75	20	1	1	NUM
fbem-18174	75	21	/	/	SYM
fbem-18174	75	22	vif	vif	X
fbem-18174	75	23	sw	sw	PROPN
fbem-18174	75	24	1.81	1.81	NUM
fbem-18174	75	25	0.551484	0.551484	NUM
fbem-18174	75	26	edr	edr	PROPN
fbem-18174	75	27	1.85	1.85	NUM
fbem-18174	75	28	0.541987	0.541987	NUM
fbem-18174	75	29	pcdi	pcdi	NOUN
fbem-18174	75	30	3.40	3.40	NUM
fbem-18174	75	31	0.293854	0.293854	NUM
fbem-18174	75	32	ea	ea	NOUN
fbem-18174	75	33	3.21	3.21	NUM
fbem-18174	75	34	0.311168	0.311168	NUM
fbem-18174	75	35	mean	mean	NOUN
fbem-18174	75	36	vif	vif	PROPN
fbem-18174	75	37	2.57	2.57	NUM
fbem-18174	75	38	source	source	NOUN
fbem-18174	75	39	:	:	PUNCT
fbem-18174	75	40	author	author	NOUN
fbem-18174	75	41	-	-	PUNCT
fbem-18174	75	42	compiled	compile	VERB
fbem-18174	75	43	table	table	NOUN
fbem-18174	75	44	6	6	NUM
fbem-18174	75	45	.	.	PUNCT
fbem-18174	75	46	descriptive	descriptive	ADJ
fbem-18174	75	47	statistics	statistic	NOUN
fbem-18174	75	48	for	for	ADP
fbem-18174	75	49	processed	process	VERB
fbem-18174	75	50	data	datum	NOUN
fbem-18174	75	51	pi	pi	PROPN
fbem-18174	75	52	sw	sw	PROPN
fbem-18174	75	53	edr	edr	PROPN
fbem-18174	75	54	pcdi	pcdi	PROPN
fbem-18174	75	55	ea	ea	PROPN
fbem-18174	75	56	observation	observation	NOUN
fbem-18174	75	57	186	186	NUM
fbem-18174	75	58	186	186	NUM
fbem-18174	75	59	186	186	NUM
fbem-18174	75	60	186	186	NUM
fbem-18174	75	61	186	186	NUM
fbem-18174	75	62	mean	mean	NOUN
fbem-18174	75	63	28.120	28.120	NUM
fbem-18174	75	64	37.245	37.245	NUM
fbem-18174	75	65	49.516	49.516	NUM
fbem-18174	75	66	24.268	24.268	NUM
fbem-18174	75	67	37.121	37.121	NUM
fbem-18174	75	68	sd	sd	ADP
fbem-18174	75	69	22.572	22.572	NUM
fbem-18174	75	70	21.620	21.620	NUM
fbem-18174	75	71	21.727	21.727	NUM
fbem-18174	75	72	19.025	19.025	NUM
fbem-18174	75	73	16.493	16.493	NUM
fbem-18174	75	74	minimum	minimum	NOUN
fbem-18174	75	75	0	0	NUM
fbem-18174	75	76	0	0	NUM
fbem-18174	75	77	0	0	NUM
fbem-18174	75	78	0	0	NUM
fbem-18174	75	79	0	0	NUM
fbem-18174	75	80	median	median	PROPN
fbem-18174	75	81	20.818	20.818	NUM
fbem-18174	75	82	35.708	35.708	NUM
fbem-18174	75	83	47.562	47.562	NUM
fbem-18174	75	84	18.799	18.799	NUM
fbem-18174	75	85	35.117	35.117	NUM
fbem-18174	75	86	maximum	maximum	NOUN
fbem-18174	75	87	100	100	NUM
fbem-18174	75	88	100	100	NUM
fbem-18174	75	89	100	100	NUM
fbem-18174	75	90	100	100	NUM
fbem-18174	75	91	100	100	NUM
fbem-18174	75	92	source	source	NOUN
fbem-18174	75	93	:	:	PUNCT
fbem-18174	75	94	author	author	NOUN
fbem-18174	75	95	-	-	PUNCT
fbem-18174	75	96	compiled	compile	VERB
fbem-18174	75	97	3	3	NUM
fbem-18174	75	98	.	.	PUNCT
fbem-18174	75	99	empirical	empirical	ADJ
fbem-18174	75	100	model	model	NOUN
fbem-18174	75	101	and	and	CCONJ
fbem-18174	75	102	hypotheses	hypothesis	NOUN
fbem-18174	75	103	3.1	3.1	NUM
fbem-18174	75	104	.	.	PUNCT
fbem-18174	75	105	model	model	NOUN
fbem-18174	75	106	selection	selection	NOUN
fbem-18174	75	107	reflecting	reflect	VERB
fbem-18174	75	108	on	on	ADP
fbem-18174	75	109	scholarly	scholarly	ADJ
fbem-18174	75	110	precedents	precedent	NOUN
fbem-18174	75	111	in	in	ADP
fbem-18174	75	112	insurance	insurance	NOUN
fbem-18174	75	113	data	datum	NOUN
fbem-18174	75	114	analysis	analysis	NOUN
fbem-18174	75	115	,	,	PUNCT
fbem-18174	75	116	we	we	PRON
fbem-18174	75	117	adopt	adopt	VERB
fbem-18174	75	118	the	the	DET
fbem-18174	75	119	double	double	ADJ
fbem-18174	75	120	fixed	fix	VERB
fbem-18174	75	121	effects	effect	NOUN
fbem-18174	75	122	model	model	NOUN
fbem-18174	75	123	,	,	PUNCT
fbem-18174	75	124	a	a	DET
fbem-18174	75	125	robust	robust	ADJ
fbem-18174	75	126	approach	approach	NOUN
fbem-18174	75	127	for	for	ADP
fbem-18174	75	128	dissecting	dissect	VERB
fbem-18174	75	129	the	the	DET
fbem-18174	75	130	intricate	intricate	ADJ
fbem-18174	75	131	dynamics	dynamic	NOUN
fbem-18174	75	132	in	in	ADP
fbem-18174	75	133	our	our	PRON
fbem-18174	75	134	panel	panel	NOUN
fbem-18174	75	135	data	datum	NOUN
fbem-18174	75	136	.	.	PUNCT
fbem-18174	76	1	model	model	NOUN
fbem-18174	76	2	1	1	NUM
fbem-18174	76	3	0	0	NUM
fbem-18174	76	4	1	1	NUM
fbem-18174	76	5	2	2	NUM
fbem-18174	76	6	3	3	NUM
fbem-18174	76	7	4	4	NUM
fbem-18174	76	8	5	5	NUM
fbem-18174	76	9	6it	6it	NOUN
fbem-18174	76	10	it	it	PRON
fbem-18174	76	11	it	it	PRON
fbem-18174	77	1	it	it	PRON
fbem-18174	78	1	it	it	PRON
fbem-18174	79	1	it	it	PRON
fbem-18174	80	1	it	it	PRON
fbem-18174	81	1	i	i	PRON
fbem-18174	81	2	t	t	PROPN
fbem-18174	81	3	itpi	itpi	PROPN
fbem-18174	81	4	gdp	gdp	PROPN
fbem-18174	81	5	sw	sw	PROPN
fbem-18174	81	6	edr	edr	PROPN
fbem-18174	81	7	pcdi	pcdi	PROPN
fbem-18174	81	8	ea	ea	PROPN
fbem-18174	81	9	he	he	PROPN
fbem-18174	81	10			PROPN
fbem-18174	81	11			PROPN
fbem-18174	81	12			PROPN
fbem-18174	81	13			PROPN
fbem-18174	81	14			NOUN
fbem-18174	81	15			NOUN
fbem-18174	81	16			NOUN
fbem-18174	81	17			NUM
fbem-18174	82	1			PROPN
fbem-18174	82	2			ADV
fbem-18174	82	3			PRON
fbem-18174	82	4			PROPN
fbem-18174	82	5			PROPN
fbem-18174	82	6			PROPN
fbem-18174	82	7			PROPN
fbem-18174	82	8			PROPN
fbem-18174	82	9			PROPN
fbem-18174	82	10			PUNCT
fbem-18174	82	11	itpi	itpi	NOUN
fbem-18174	82	12	is	be	AUX
fbem-18174	82	13	the	the	DET
fbem-18174	82	14	dependent	dependent	ADJ
fbem-18174	82	15	variable	variable	NOUN
fbem-18174	82	16	representing	represent	VERB
fbem-18174	82	17	premium	premium	ADJ
fbem-18174	82	18	income	income	NOUN
fbem-18174	82	19	.	.	PUNCT
fbem-18174	83	1	itgdp	itgdp	PROPN
fbem-18174	83	2	、	、	PROPN
fbem-18174	83	3	itsw	itsw	PROPN
fbem-18174	83	4	、	、	PROPN
fbem-18174	83	5	itedr	itedr	PROPN
fbem-18174	83	6	、	、	PROPN
fbem-18174	83	7	itpcdi	itpcdi	ADJ
fbem-18174	83	8	、	、	NOUN
fbem-18174	83	9	itea	itea	PROPN
fbem-18174	83	10	、	、	NOUN
fbem-18174	83	11	ithe	ithe	NOUN
fbem-18174	83	12	:	:	PUNCT
fbem-18174	83	13	represent	represent	VERB
fbem-18174	83	14	,	,	PUNCT
fbem-18174	83	15	respectively	respectively	ADV
fbem-18174	83	16	,	,	PUNCT
fbem-18174	83	17	the	the	DET
fbem-18174	83	18	gross	gross	ADJ
fbem-18174	83	19	domestic	domestic	ADJ
fbem-18174	83	20	product	product	NOUN
fbem-18174	83	21	,	,	PUNCT
fbem-18174	83	22	social	social	ADJ
fbem-18174	83	23	welfare	welfare	NOUN
fbem-18174	83	24	expenditure	expenditure	NOUN
fbem-18174	83	25	,	,	PUNCT
fbem-18174	83	26	elderly	elderly	ADJ
fbem-18174	83	27	dependency	dependency	NOUN
fbem-18174	83	28	ratio	ratio	NOUN
fbem-18174	83	29	,	,	PUNCT
fbem-18174	83	30	per	per	ADP
fbem-18174	83	31	capita	capita	X
fbem-18174	83	32	disposable	disposable	ADJ
fbem-18174	83	33	income	income	NOUN
fbem-18174	83	34	,	,	PUNCT
fbem-18174	83	35	education	education	NOUN
fbem-18174	83	36	attainment	attainment	NOUN
fbem-18174	83	37	,	,	PUNCT
fbem-18174	83	38	and	and	CCONJ
fbem-18174	83	39	health	health	NOUN
fbem-18174	83	40	expenditure	expenditure	NOUN
fbem-18174	83	41	for	for	ADP
fbem-18174	83	42	the	the	DET
fbem-18174	83	43	thi	thi	PROPN
fbem-18174	83	44	observation	observation	NOUN
fbem-18174	83	45	unit	unit	NOUN
fbem-18174	83	46	at	at	ADP
fbem-18174	83	47	time	time	NOUN
fbem-18174	83	48	t	t	PROPN
fbem-18174	83	49	.	.	PUNCT
fbem-18174	84	1	i	i	NUM
fbem-18174	84	2	:	:	PUNCT
fbem-18174	84	3	captures	capture	VERB
fbem-18174	84	4	the	the	DET
fbem-18174	84	5	individual	individual	ADJ
fbem-18174	84	6	fixed	fix	VERB
fbem-18174	84	7	effects	effect	NOUN
fbem-18174	84	8	,	,	PUNCT
fbem-18174	84	9	unique	unique	ADJ
fbem-18174	84	10	to	to	ADP
fbem-18174	84	11	each	each	DET
fbem-18174	84	12	observation	observation	NOUN
fbem-18174	84	13	unit	unit	NOUN
fbem-18174	84	14	and	and	CCONJ
fbem-18174	84	15	constant	constant	ADJ
fbem-18174	84	16	over	over	ADP
fbem-18174	84	17	time	time	NOUN
fbem-18174	84	18	t	t	NOUN
fbem-18174	84	19	:	:	PUNCT
fbem-18174	84	20	captures	capture	VERB
fbem-18174	84	21	the	the	DET
fbem-18174	84	22	time	time	NOUN
fbem-18174	84	23	fixed	fix	VERB
fbem-18174	84	24	effects	effect	NOUN
fbem-18174	84	25	,	,	PUNCT
fbem-18174	84	26	common	common	ADJ
fbem-18174	84	27	to	to	ADP
fbem-18174	84	28	all	all	DET
fbem-18174	84	29	units	unit	NOUN
fbem-18174	84	30	but	but	CCONJ
fbem-18174	84	31	vary	vary	VERB
fbem-18174	84	32	over	over	ADP
fbem-18174	84	33	time	time	NOUN
fbem-18174	84	34	it	it	NUM
fbem-18174	84	35	:	:	PUNCT
fbem-18174	84	36	error	error	NOUN
fbem-18174	84	37	term	term	NOUN
fbem-18174	84	38	0	0	NOUN
fbem-18174	84	39	:	:	PUNCT
fbem-18174	84	40	intercept	intercept	VERB
fbem-18174	84	41	1	1	NUM
fbem-18174	84	42	,	,	PUNCT
fbem-18174	84	43	2	2	PROPN
fbem-18174	84	44	,	,	PUNCT
fbem-18174	84	45	3	3	NOUN
fbem-18174	84	46	,	,	PUNCT
fbem-18174	84	47	4	4	NUM
fbem-18174	84	48	,	,	PUNCT
fbem-18174	84	49	5	5	NOUN
fbem-18174	84	50	,	,	PUNCT
fbem-18174	84	51	6	6	PROPN
fbem-18174	84	52	are	be	AUX
fbem-18174	84	53	the	the	DET
fbem-18174	84	54	coefficients	coefficient	NOUN
fbem-18174	84	55	for	for	ADP
fbem-18174	84	56	the	the	DET
fbem-18174	84	57	respective	respective	ADJ
fbem-18174	84	58	independent	independent	ADJ
fbem-18174	84	59	variables	variable	NOUN
fbem-18174	84	60	model	model	NOUN
fbem-18174	84	61	2	2	NUM
fbem-18174	84	62	based	base	VERB
fbem-18174	84	63	on	on	ADP
fbem-18174	84	64	the	the	DET
fbem-18174	84	65	previous	previous	ADJ
fbem-18174	84	66	data	data	NOUN
fbem-18174	84	67	processing	processing	NOUN
fbem-18174	84	68	and	and	CCONJ
fbem-18174	84	69	analysis	analysis	NOUN
fbem-18174	84	70	,	,	PUNCT
fbem-18174	84	71	we	we	PRON
fbem-18174	84	72	derive	derive	VERB
fbem-18174	84	73	an	an	DET
fbem-18174	84	74	improved	improved	ADJ
fbem-18174	84	75	model	model	NOUN
fbem-18174	84	76	:	:	PUNCT
fbem-18174	84	77	0	0	NUM
fbem-18174	84	78	1	1	NUM
fbem-18174	84	79	2	2	NUM
fbem-18174	84	80	3	3	NUM
fbem-18174	84	81	4it	4it	NOUN
fbem-18174	84	82	it	it	PRON
fbem-18174	85	1	it	it	PRON
fbem-18174	85	2	it	it	PRON
fbem-18174	86	1	it	it	PRON
fbem-18174	87	1	i	i	PRON
fbem-18174	87	2	t	t	PROPN
fbem-18174	87	3	itpi	itpi	PROPN
fbem-18174	87	4	sw	sw	PROPN
fbem-18174	87	5	edr	edr	PROPN
fbem-18174	87	6	pcdi	pcdi	NOUN
fbem-18174	87	7	ea	ea	PROPN
fbem-18174	87	8			PROPN
fbem-18174	87	9			PROPN
fbem-18174	87	10			PROPN
fbem-18174	87	11			NOUN
fbem-18174	87	12			NOUN
fbem-18174	87	13			NUM
fbem-18174	88	1			PROPN
fbem-18174	88	2			ADV
fbem-18174	88	3			PRON
fbem-18174	88	4			PROPN
fbem-18174	88	5			PROPN
fbem-18174	88	6			PROPN
fbem-18174	88	7			PUNCT
fbem-18174	88	8			VERB
fbem-18174	88	9	in	in	ADP
fbem-18174	88	10	the	the	DET
fbem-18174	88	11	realm	realm	NOUN
fbem-18174	88	12	of	of	ADP
fbem-18174	88	13	econometric	econometric	ADJ
fbem-18174	88	14	analysis	analysis	NOUN
fbem-18174	88	15	,	,	PUNCT
fbem-18174	88	16	particularly	particularly	ADV
fbem-18174	88	17	with	with	ADP
fbem-18174	88	18	panel	panel	NOUN
fbem-18174	88	19	data	datum	NOUN
fbem-18174	88	20	,	,	PUNCT
fbem-18174	88	21	the	the	DET
fbem-18174	88	22	hausman	hausman	ADJ
fbem-18174	88	23	test	test	NOUN
fbem-18174	88	24	is	be	AUX
fbem-18174	88	25	pivotal	pivotal	ADJ
fbem-18174	88	26	for	for	ADP
fbem-18174	88	27	determining	determine	VERB
fbem-18174	88	28	the	the	DET
fbem-18174	88	29	appropriate	appropriate	ADJ
fbem-18174	88	30	model	model	NOUN
fbem-18174	88	31	—	—	PUNCT
fbem-18174	88	32	fixed	fix	VERB
fbem-18174	88	33	effects	effect	NOUN
fbem-18174	88	34	(	(	PUNCT
fbem-18174	88	35	fe	fe	NOUN
fbem-18174	88	36	)	)	PUNCT
fbem-18174	88	37	or	or	CCONJ
fbem-18174	88	38	random	random	ADJ
fbem-18174	88	39	effects	effect	NOUN
fbem-18174	88	40	(	(	PUNCT
fbem-18174	88	41	re	re	NOUN
fbem-18174	88	42	)	)	PUNCT
fbem-18174	88	43	.	.	PUNCT
fbem-18174	89	1	this	this	DET
fbem-18174	89	2	test	test	NOUN
fbem-18174	89	3	scrutinizes	scrutinize	VERB
fbem-18174	89	4	the	the	DET
fbem-18174	89	5	correlation	correlation	NOUN
fbem-18174	89	6	between	between	ADP
fbem-18174	89	7	the	the	DET
fbem-18174	89	8	explanatory	explanatory	ADJ
fbem-18174	89	9	variables	variable	NOUN
fbem-18174	89	10	of	of	ADP
fbem-18174	89	11	the	the	DET
fbem-18174	89	12	model	model	NOUN
fbem-18174	89	13	and	and	CCONJ
fbem-18174	89	14	the	the	DET
fbem-18174	89	15	error	error	NOUN
fbem-18174	89	16	terms	term	NOUN
fbem-18174	89	17	unique	unique	ADJ
fbem-18174	89	18	to	to	ADP
fbem-18174	89	19	each	each	DET
fbem-18174	89	20	entity	entity	NOUN
fbem-18174	89	21	in	in	ADP
fbem-18174	89	22	the	the	DET
fbem-18174	89	23	dataset	dataset	NOUN
fbem-18174	89	24	.	.	PUNCT
fbem-18174	90	1	3.2	3.2	NUM
fbem-18174	90	2	.	.	PUNCT
fbem-18174	90	3	hypothesis	hypothesis	NOUN
fbem-18174	90	4	h0	h0	NOUN
fbem-18174	90	5	(	(	PUNCT
fbem-18174	90	6	null	null	ADJ
fbem-18174	90	7	hypothesis	hypothesis	NOUN
fbem-18174	90	8	):	):	PUNCT
fbem-18174	90	9	the	the	DET
fbem-18174	90	10	random	random	ADJ
fbem-18174	90	11	effects	effect	NOUN
fbem-18174	90	12	model	model	NOUN
fbem-18174	90	13	is	be	AUX
fbem-18174	90	14	assumed	assume	VERB
fbem-18174	90	15	appropriate	appropriate	ADJ
fbem-18174	90	16	.	.	PUNCT
fbem-18174	91	1	this	this	DET
fbem-18174	91	2	hypothesis	hypothesis	NOUN
fbem-18174	91	3	posits	posit	VERB
fbem-18174	91	4	no	no	DET
fbem-18174	91	5	correlation	correlation	NOUN
fbem-18174	91	6	between	between	ADP
fbem-18174	91	7	the	the	DET
fbem-18174	91	8	individual	individual	ADJ
fbem-18174	91	9	-	-	PUNCT
fbem-18174	91	10	specific	specific	ADJ
fbem-18174	91	11	error	error	NOUN
fbem-18174	91	12	terms	term	NOUN
fbem-18174	91	13	and	and	CCONJ
fbem-18174	91	14	the	the	DET
fbem-18174	91	15	explanatory	explanatory	ADJ
fbem-18174	91	16	variables	variable	NOUN
fbem-18174	91	17	.	.	PUNCT
fbem-18174	92	1	h1	h1	PROPN
fbem-18174	92	2	(	(	PUNCT
fbem-18174	92	3	alternative	alternative	ADJ
fbem-18174	92	4	hypothesis	hypothesis	NOUN
fbem-18174	92	5	):	):	PUNCT
fbem-18174	92	6	the	the	DET
fbem-18174	92	7	fixed	fix	VERB
fbem-18174	92	8	effects	effect	NOUN
fbem-18174	92	9	model	model	NOUN
fbem-18174	92	10	is	be	AUX
fbem-18174	92	11	considered	consider	VERB
fbem-18174	92	12	more	more	ADV
fbem-18174	92	13	suitable	suitable	ADJ
fbem-18174	92	14	.	.	PUNCT
fbem-18174	93	1	this	this	DET
fbem-18174	93	2	hypothesis	hypothesis	NOUN
fbem-18174	93	3	suggests	suggest	VERB
fbem-18174	93	4	there	there	PRON
fbem-18174	93	5	is	be	VERB
fbem-18174	93	6	a	a	DET
fbem-18174	93	7	correlation	correlation	NOUN
fbem-18174	93	8	between	between	ADP
fbem-18174	93	9	these	these	DET
fbem-18174	93	10	individual	individual	ADJ
fbem-18174	93	11	-	-	PUNCT
fbem-18174	93	12	specific	specific	ADJ
fbem-18174	93	13	error	error	NOUN
fbem-18174	93	14	terms	term	NOUN
fbem-18174	93	15	and	and	CCONJ
fbem-18174	93	16	the	the	DET
fbem-18174	93	17	explanatory	explanatory	ADJ
fbem-18174	93	18	variables	variable	NOUN
fbem-18174	93	19	.	.	PUNCT
fbem-18174	94	1	3.3	3.3	NUM
fbem-18174	94	2	.	.	PUNCT
fbem-18174	94	3	hypothesis	hypothesis	NOUN
fbem-18174	94	4	testing	testing	NOUN
fbem-18174	94	5	for	for	ADP
fbem-18174	94	6	model	model	NOUN
fbem-18174	94	7	validation	validation	NOUN
fbem-18174	94	8	in	in	ADP
fbem-18174	94	9	this	this	DET
fbem-18174	94	10	study	study	NOUN
fbem-18174	94	11	,	,	PUNCT
fbem-18174	94	12	the	the	DET
fbem-18174	94	13	hausman	hausman	PROPN
fbem-18174	94	14	test	test	NOUN
fbem-18174	94	15	yields	yield	VERB
fbem-18174	94	16	a	a	DET
fbem-18174	94	17	χ²	χ²	NOUN
fbem-18174	94	18	value	value	NOUN
fbem-18174	94	19	of	of	ADP
fbem-18174	94	20	75.22	75.22	NUM
fbem-18174	94	21	and	and	CCONJ
fbem-18174	94	22	a	a	DET
fbem-18174	94	23	p	p	NOUN
fbem-18174	94	24	-	-	PUNCT
fbem-18174	94	25	value	value	NOUN
fbem-18174	94	26	of	of	ADP
fbem-18174	94	27	0.000	0.000	NUM
fbem-18174	94	28	,	,	PUNCT
fbem-18174	94	29	significantly	significantly	ADV
fbem-18174	94	30	lower	low	ADJ
fbem-18174	94	31	than	than	ADP
fbem-18174	94	32	conventional	conventional	ADJ
fbem-18174	94	33	thresholds	threshold	NOUN
fbem-18174	94	34	such	such	ADJ
fbem-18174	94	35	as	as	ADP
fbem-18174	94	36	0.05	0.05	NUM
fbem-18174	94	37	,	,	PUNCT
fbem-18174	94	38	leading	lead	VERB
fbem-18174	94	39	to	to	ADP
fbem-18174	94	40	a	a	DET
fbem-18174	94	41	robust	robust	ADJ
fbem-18174	94	42	rejection	rejection	NOUN
fbem-18174	94	43	of	of	ADP
fbem-18174	94	44	the	the	DET
fbem-18174	94	45	null	null	ADJ
fbem-18174	94	46	hypothesis	hypothesis	NOUN
fbem-18174	94	47	.	.	PUNCT
fbem-18174	95	1	this	this	DET
fbem-18174	95	2	outcome	outcome	NOUN
fbem-18174	95	3	indicates	indicate	VERB
fbem-18174	95	4	that	that	SCONJ
fbem-18174	95	5	key	key	ADJ
fbem-18174	95	6	variables	variable	NOUN
fbem-18174	95	7	in	in	ADP
fbem-18174	95	8	the	the	DET
fbem-18174	95	9	analysis	analysis	NOUN
fbem-18174	95	10	—	—	PUNCT
fbem-18174	95	11	like	like	ADP
fbem-18174	95	12	sw	sw	PROPN
fbem-18174	95	13	,	,	PUNCT
fbem-18174	95	14	pcdi	pcdi	NOUN
fbem-18174	95	15	and	and	CCONJ
fbem-18174	95	16	edr	edr	PROPN
fbem-18174	95	17	—	—	PUNCT
fbem-18174	95	18	exhibit	exhibit	VERB
fbem-18174	95	19	notable	notable	ADJ
fbem-18174	95	20	discrepancies	discrepancy	NOUN
fbem-18174	95	21	in	in	ADP
fbem-18174	95	22	coefficients	coefficient	NOUN
fbem-18174	95	23	between	between	ADP
fbem-18174	95	24	the	the	DET
fbem-18174	95	25	fixed	fix	VERB
fbem-18174	95	26	and	and	CCONJ
fbem-18174	95	27	random	random	ADJ
fbem-18174	95	28	effects	effect	NOUN
fbem-18174	95	29	models	model	NOUN
fbem-18174	95	30	.	.	PUNCT
fbem-18174	96	1	such	such	ADJ
fbem-18174	96	2	disparities	disparity	NOUN
fbem-18174	96	3	underscore	underscore	VERB
fbem-18174	96	4	the	the	DET
fbem-18174	96	5	presence	presence	NOUN
fbem-18174	96	6	of	of	ADP
fbem-18174	96	7	correlations	correlation	NOUN
fbem-18174	96	8	between	between	ADP
fbem-18174	96	9	the	the	DET
fbem-18174	96	10	individual	individual	ADJ
fbem-18174	96	11	-	-	PUNCT
fbem-18174	96	12	specific	specific	ADJ
fbem-18174	96	13	error	error	NOUN
fbem-18174	96	14	terms	term	NOUN
fbem-18174	96	15	and	and	CCONJ
fbem-18174	96	16	the	the	DET
fbem-18174	96	17	explanatory	explanatory	ADJ
fbem-18174	96	18	variables	variable	NOUN
fbem-18174	96	19	.	.	PUNCT
fbem-18174	97	1	given	give	VERB
fbem-18174	97	2	these	these	DET
fbem-18174	97	3	results	result	NOUN
fbem-18174	97	4	,	,	PUNCT
fbem-18174	97	5	opting	opt	VERB
fbem-18174	97	6	for	for	ADP
fbem-18174	97	7	the	the	DET
fbem-18174	97	8	fixed	fix	VERB
fbem-18174	97	9	effects	effect	NOUN
fbem-18174	97	10	model	model	NOUN
fbem-18174	97	11	aligns	align	VERB
fbem-18174	97	12	well	well	ADV
fbem-18174	97	13	with	with	ADP
fbem-18174	97	14	the	the	DET
fbem-18174	97	15	fundamental	fundamental	ADJ
fbem-18174	97	16	principles	principle	NOUN
fbem-18174	97	17	of	of	ADP
fbem-18174	97	18	econometrics	econometric	NOUN
fbem-18174	97	19	,	,	PUNCT
fbem-18174	97	20	where	where	SCONJ
fbem-18174	97	21	controlling	control	VERB
fbem-18174	97	22	for	for	ADP
fbem-18174	97	23	unobservable	unobservable	ADJ
fbem-18174	97	24	heterogeneity	heterogeneity	NOUN
fbem-18174	97	25	across	across	ADP
fbem-18174	97	26	entities	entity	NOUN
fbem-18174	97	27	is	be	AUX
fbem-18174	97	28	pivotal	pivotal	ADJ
fbem-18174	97	29	to	to	ADP
fbem-18174	97	30	preserving	preserve	VERB
fbem-18174	97	31	the	the	DET
fbem-18174	97	32	integrity	integrity	NOUN
fbem-18174	97	33	and	and	CCONJ
fbem-18174	97	34	validity	validity	NOUN
fbem-18174	97	35	of	of	ADP
fbem-18174	97	36	the	the	DET
fbem-18174	97	37	model	model	NOUN
fbem-18174	97	38	’s	’s	PART
fbem-18174	97	39	estimations	estimation	NOUN
fbem-18174	97	40	.	.	PUNCT
fbem-18174	98	1	this	this	DET
fbem-18174	98	2	approach	approach	NOUN
fbem-18174	98	3	enriches	enrich	VERB
fbem-18174	98	4	the	the	DET
fbem-18174	98	5	analytical	analytical	ADJ
fbem-18174	98	6	rigor	rigor	NOUN
fbem-18174	98	7	of	of	ADP
fbem-18174	98	8	the	the	DET
fbem-18174	98	9	study	study	NOUN
fbem-18174	98	10	and	and	CCONJ
fbem-18174	98	11	enhances	enhance	VERB
fbem-18174	98	12	the	the	DET
fbem-18174	98	13	reliability	reliability	NOUN
fbem-18174	98	14	of	of	ADP
fbem-18174	98	15	the	the	DET
fbem-18174	98	16	findings	finding	NOUN
fbem-18174	98	17	,	,	PUNCT
fbem-18174	98	18	providing	provide	VERB
fbem-18174	98	19	deeper	deep	ADJ
fbem-18174	98	20	insights	insight	NOUN
fbem-18174	98	21	into	into	ADP
fbem-18174	98	22	the	the	DET
fbem-18174	98	23	intricate	intricate	ADJ
fbem-18174	98	24	interplays	interplay	NOUN
fbem-18174	98	25	among	among	ADP
fbem-18174	98	26	the	the	DET
fbem-18174	98	27	examined	examine	VERB
fbem-18174	98	28	socioeconomic	socioeconomic	ADJ
fbem-18174	98	29	variables	variable	NOUN
fbem-18174	98	30	.	.	PUNCT
fbem-18174	99	1	152	152	NUM
fbem-18174	99	2	table	table	NOUN
fbem-18174	99	3	7	7	NUM
fbem-18174	99	4	.	.	PUNCT
fbem-18174	99	5	hausman	hausman	PROPN
fbem-18174	99	6	test	test	PROPN
fbem-18174	99	7	variables	variable	NOUN
fbem-18174	99	8	fe	fe	X
fbem-18174	99	9	re	re	ADP
fbem-18174	99	10	coefficient	coefficient	NOUN
fbem-18174	99	11	difference	difference	NOUN
fbem-18174	99	12	standard	standard	NOUN
fbem-18174	99	13	error	error	NOUN
fbem-18174	99	14	sw	sw	NOUN
fbem-18174	99	15	0.453	0.453	NUM
fbem-18174	99	16	*	*	PUNCT
fbem-18174	99	17	*	*	PUNCT
fbem-18174	99	18	*	*	PUNCT
fbem-18174	99	19	0.525	0.525	NUM
fbem-18174	99	20	*	*	PUNCT
fbem-18174	99	21	*	*	PUNCT
fbem-18174	99	22	*	*	PUNCT
fbem-18174	99	23	-0.072	-0.072	NUM
fbem-18174	99	24	0.021	0.021	NUM
fbem-18174	99	25	pcdi	pcdi	NOUN
fbem-18174	99	26	0.349	0.349	NUM
fbem-18174	99	27	*	*	NOUN
fbem-18174	99	28	*	*	PUNCT
fbem-18174	99	29	0.370	0.370	NUM
fbem-18174	99	30	*	*	PUNCT
fbem-18174	99	31	*	*	PUNCT
fbem-18174	99	32	*	*	PUNCT
fbem-18174	99	33	-0.021	-0.021	NOUN
fbem-18174	99	34	0.031	0.031	NUM
fbem-18174	99	35	edr	edr	PROPN
fbem-18174	99	36	-0.074	-0.074	PROPN
fbem-18174	99	37	*	*	PUNCT
fbem-18174	99	38	-0.123	-0.123	PUNCT
fbem-18174	99	39	*	*	PUNCT
fbem-18174	99	40	*	*	NOUN
fbem-18174	99	41	0.049	0.049	NUM
fbem-18174	99	42	0.009	0.009	NUM
fbem-18174	99	43	ea	ea	NOUN
fbem-18174	99	44	-0.270	-0.270	PROPN
fbem-18174	99	45	*	*	PROPN
fbem-18174	99	46	*	*	PUNCT
fbem-18174	99	47	-0.213	-0.213	NOUN
fbem-18174	99	48	*	*	PUNCT
fbem-18174	99	49	-0.057	-0.057	NOUN
fbem-18174	99	50	0.039	0.039	NUM
fbem-18174	99	51	2	2	PROPN
fbem-18174	99	52	value	value	NOUN
fbem-18174	99	53	75.22	75.22	NUM
fbem-18174	99	54	hausman	hausman	ADJ
fbem-18174	99	55	p	p	NOUN
fbem-18174	99	56	-	-	PUNCT
fbem-18174	99	57	value	value	NOUN
fbem-18174	99	58	0.000	0.000	NUM
fbem-18174	99	59	*	*	PUNCT
fbem-18174	99	60	p	p	X
fbem-18174	99	61	<	<	X
fbem-18174	99	62	0.05	0.05	NUM
fbem-18174	99	63	,	,	PUNCT
fbem-18174	99	64	*	*	PUNCT
fbem-18174	99	65	*	*	PUNCT
fbem-18174	99	66	p	p	X
fbem-18174	99	67	<	<	X
fbem-18174	99	68	0.01	0.01	NUM
fbem-18174	99	69	,	,	PUNCT
fbem-18174	99	70	*	*	PUNCT
fbem-18174	99	71	*	*	PUNCT
fbem-18174	99	72	*	*	PUNCT
fbem-18174	99	73	p	p	X
fbem-18174	99	74	<	<	X
fbem-18174	99	75	0.001	0.001	NUM
fbem-18174	99	76	source	source	NOUN
fbem-18174	99	77	:	:	PUNCT
fbem-18174	99	78	author	author	NOUN
fbem-18174	99	79	-	-	PUNCT
fbem-18174	99	80	compiled	compile	VERB
fbem-18174	99	81	table	table	NOUN
fbem-18174	99	82	8	8	NUM
fbem-18174	99	83	.	.	PUNCT
fbem-18174	99	84	comparison	comparison	NOUN
fbem-18174	99	85	of	of	ADP
fbem-18174	99	86	single	single	ADJ
fbem-18174	99	87	and	and	CCONJ
fbem-18174	99	88	two	two	NUM
fbem-18174	99	89	-	-	PUNCT
fbem-18174	99	90	way	way	NOUN
fbem-18174	99	91	fixed	fix	VERB
fbem-18174	99	92	effects	effect	NOUN
fbem-18174	99	93	models	model	NOUN
fbem-18174	99	94	metric	metric	ADJ
fbem-18174	99	95	single	single	ADJ
fbem-18174	99	96	fixed	fix	VERB
fbem-18174	99	97	effects	effect	NOUN
fbem-18174	99	98	model	model	VERB
fbem-18174	99	99	two	two	NUM
fbem-18174	99	100	-	-	PUNCT
fbem-18174	99	101	way	way	NOUN
fbem-18174	99	102	fixed	fix	VERB
fbem-18174	99	103	effects	effect	NOUN
fbem-18174	99	104	model	model	NOUN
fbem-18174	99	105	r	r	NOUN
fbem-18174	99	106	-	-	PUNCT
fbem-18174	99	107	squared	squared	ADJ
fbem-18174	99	108	(	(	PUNCT
fbem-18174	99	109	within	within	ADP
fbem-18174	99	110	)	)	PUNCT
fbem-18174	99	111	0.6354	0.6354	NUM
fbem-18174	99	112	0.6593	0.6593	NUM
fbem-18174	99	113	r	r	NOUN
fbem-18174	99	114	-	-	PUNCT
fbem-18174	99	115	squared	square	VERB
fbem-18174	99	116	(	(	PUNCT
fbem-18174	99	117	between	between	ADP
fbem-18174	99	118	)	)	PUNCT
fbem-18174	100	1	0.7710	0.7710	NUM
fbem-18174	100	2	0.7505	0.7505	NUM
fbem-18174	100	3	r	r	X
fbem-18174	100	4	-	-	PUNCT
fbem-18174	100	5	squared	square	VERB
fbem-18174	100	6	(	(	PUNCT
fbem-18174	100	7	overall	overall	ADJ
fbem-18174	100	8	)	)	PUNCT
fbem-18174	100	9	0.7333	0.7333	NUM
fbem-18174	100	10	0.7335	0.7335	NUM
fbem-18174	100	11	f	f	X
fbem-18174	100	12	-	-	PUNCT
fbem-18174	100	13	statistic	statistic	NOUN
fbem-18174	100	14	f(4,151	f(4,151	PROPN
fbem-18174	100	15	)	)	PUNCT
fbem-18174	100	16	=	=	NOUN
fbem-18174	100	17	65.80	65.80	NUM
fbem-18174	100	18	f(9,146	f(9,146	X
fbem-18174	100	19	)	)	PUNCT
fbem-18174	100	20	=	=	SYM
fbem-18174	100	21	31.39	31.39	NUM
fbem-18174	100	22	prob	prob	NOUN
fbem-18174	100	23	>	>	X
fbem-18174	100	24	f	f	X
fbem-18174	100	25	<	<	X
fbem-18174	100	26	0.001	0.001	NUM
fbem-18174	100	27	<	<	X
fbem-18174	100	28	0.001	0.001	NUM
fbem-18174	100	29	lr	lr	PROPN
fbem-18174	100	30	test	test	NOUN
fbem-18174	100	31	comparison	comparison	NOUN
fbem-18174	100	32	lr	lr	INTJ
fbem-18174	100	33	2	2	PROPN
fbem-18174	100	34	value	value	NOUN
fbem-18174	100	35	12.58	12.58	NUM
fbem-18174	100	36	p	p	NOUN
fbem-18174	100	37	-	-	PUNCT
fbem-18174	100	38	value	value	NOUN
fbem-18174	100	39	0.0276	0.0276	NUM
fbem-18174	100	40	source	source	NOUN
fbem-18174	100	41	:	:	PUNCT
fbem-18174	100	42	author	author	NOUN
fbem-18174	100	43	-	-	PUNCT
fbem-18174	100	44	compiled	compile	VERB
fbem-18174	100	45	after	after	ADP
fbem-18174	100	46	deciding	decide	VERB
fbem-18174	100	47	to	to	PART
fbem-18174	100	48	use	use	VERB
fbem-18174	100	49	a	a	DET
fbem-18174	100	50	fixed	fix	VERB
fbem-18174	100	51	effects	effect	NOUN
fbem-18174	100	52	model	model	NOUN
fbem-18174	100	53	,	,	PUNCT
fbem-18174	100	54	the	the	DET
fbem-18174	100	55	subsequent	subsequent	ADJ
fbem-18174	100	56	critical	critical	ADJ
fbem-18174	100	57	question	question	NOUN
fbem-18174	100	58	involves	involve	VERB
fbem-18174	100	59	the	the	DET
fbem-18174	100	60	consideration	consideration	NOUN
fbem-18174	100	61	of	of	ADP
fbem-18174	100	62	heterogeneity	heterogeneity	NOUN
fbem-18174	100	63	due	due	ADP
fbem-18174	100	64	to	to	ADP
fbem-18174	100	65	time	time	NOUN
fbem-18174	100	66	.	.	PUNCT
fbem-18174	101	1	the	the	DET
fbem-18174	101	2	single	single	ADJ
fbem-18174	101	3	fixed	fix	VERB
fbem-18174	101	4	effects	effect	NOUN
fbem-18174	101	5	model	model	NOUN
fbem-18174	101	6	addresses	address	NOUN
fbem-18174	101	7	interindividual	interindividual	VERB
fbem-18174	101	8	heterogeneity	heterogeneity	NOUN
fbem-18174	101	9	by	by	ADP
fbem-18174	101	10	assigning	assign	VERB
fbem-18174	101	11	a	a	DET
fbem-18174	101	12	unique	unique	ADJ
fbem-18174	101	13	intercept	intercept	NOUN
fbem-18174	101	14	to	to	ADP
fbem-18174	101	15	each	each	DET
fbem-18174	101	16	entity	entity	NOUN
fbem-18174	101	17	,	,	PUNCT
fbem-18174	101	18	such	such	ADJ
fbem-18174	101	19	as	as	ADP
fbem-18174	101	20	firms	firm	NOUN
fbem-18174	101	21	or	or	CCONJ
fbem-18174	101	22	countries	country	NOUN
fbem-18174	101	23	.	.	PUNCT
fbem-18174	102	1	this	this	DET
fbem-18174	102	2	model	model	NOUN
fbem-18174	102	3	excels	excel	VERB
fbem-18174	102	4	in	in	ADP
fbem-18174	102	5	scenarios	scenario	NOUN
fbem-18174	102	6	where	where	SCONJ
fbem-18174	102	7	the	the	DET
fbem-18174	102	8	primary	primary	ADJ
fbem-18174	102	9	focus	focus	NOUN
fbem-18174	102	10	is	be	AUX
fbem-18174	102	11	on	on	ADP
fbem-18174	102	12	variations	variation	NOUN
fbem-18174	102	13	observed	observe	VERB
fbem-18174	102	14	across	across	ADP
fbem-18174	102	15	different	different	ADJ
fbem-18174	102	16	entities	entity	NOUN
fbem-18174	102	17	,	,	PUNCT
fbem-18174	102	18	with	with	ADP
fbem-18174	102	19	time	time	NOUN
fbem-18174	102	20	-	-	PUNCT
fbem-18174	102	21	related	relate	VERB
fbem-18174	102	22	heterogeneity	heterogeneity	NOUN
fbem-18174	102	23	being	be	AUX
fbem-18174	102	24	of	of	ADP
fbem-18174	102	25	secondary	secondary	ADJ
fbem-18174	102	26	concern	concern	NOUN
fbem-18174	102	27	or	or	CCONJ
fbem-18174	102	28	assumed	assume	VERB
fbem-18174	102	29	invariant	invariant	ADJ
fbem-18174	102	30	.	.	PUNCT
fbem-18174	103	1	however	however	ADV
fbem-18174	103	2	,	,	PUNCT
fbem-18174	103	3	the	the	DET
fbem-18174	103	4	two	two	NUM
fbem-18174	103	5	-	-	PUNCT
fbem-18174	103	6	way	way	NOUN
fbem-18174	103	7	fixed	fix	VERB
fbem-18174	103	8	effects	effect	NOUN
fbem-18174	103	9	model	model	NOUN
fbem-18174	103	10	takes	take	VERB
fbem-18174	103	11	a	a	DET
fbem-18174	103	12	step	step	NOUN
fbem-18174	103	13	further	far	ADV
fbem-18174	103	14	by	by	ADP
fbem-18174	103	15	incorporating	incorporate	VERB
fbem-18174	103	16	not	not	PART
fbem-18174	103	17	only	only	ADV
fbem-18174	103	18	inter	inter	ADJ
fbem-18174	103	19	-	-	ADJ
fbem-18174	103	20	individual	individual	ADJ
fbem-18174	103	21	differences	difference	NOUN
fbem-18174	103	22	but	but	CCONJ
fbem-18174	103	23	also	also	ADV
fbem-18174	103	24	variations	variation	NOUN
fbem-18174	103	25	across	across	ADP
fbem-18174	103	26	the	the	DET
fbem-18174	103	27	temporal	temporal	ADJ
fbem-18174	103	28	dimension	dimension	NOUN
fbem-18174	103	29	,	,	PUNCT
fbem-18174	103	30	adeptly	adeptly	ADV
fbem-18174	103	31	capturing	capture	VERB
fbem-18174	103	32	the	the	DET
fbem-18174	103	33	dynamic	dynamic	ADJ
fbem-18174	103	34	influences	influence	NOUN
fbem-18174	103	35	of	of	ADP
fbem-18174	103	36	time	time	NOUN
fbem-18174	103	37	on	on	ADP
fbem-18174	103	38	the	the	DET
fbem-18174	103	39	dependent	dependent	ADJ
fbem-18174	103	40	variable	variable	NOUN
fbem-18174	103	41	by	by	ADP
fbem-18174	103	42	introducing	introduce	VERB
fbem-18174	103	43	specific	specific	ADJ
fbem-18174	103	44	fixed	fix	VERB
fbem-18174	103	45	effects	effect	NOUN
fbem-18174	103	46	for	for	ADP
fbem-18174	103	47	each	each	DET
fbem-18174	103	48	time	time	NOUN
fbem-18174	103	49	period	period	NOUN
fbem-18174	103	50	.	.	PUNCT
fbem-18174	104	1	to	to	PART
fbem-18174	104	2	ascertain	ascertain	VERB
fbem-18174	104	3	which	which	DET
fbem-18174	104	4	model	model	NOUN
fbem-18174	104	5	better	well	ADV
fbem-18174	104	6	fits	fit	VERB
fbem-18174	104	7	our	our	PRON
fbem-18174	104	8	data	datum	NOUN
fbem-18174	104	9	single	single	ADJ
fbem-18174	104	10	or	or	CCONJ
fbem-18174	104	11	two	two	NUM
fbem-18174	104	12	-	-	PUNCT
fbem-18174	104	13	way	way	NOUN
fbem-18174	104	14	fixed	fix	VERB
fbem-18174	104	15	effects	effect	NOUN
fbem-18174	104	16	,	,	PUNCT
fbem-18174	104	17	we	we	PRON
fbem-18174	104	18	resort	resort	VERB
fbem-18174	104	19	to	to	ADP
fbem-18174	104	20	the	the	DET
fbem-18174	104	21	likelihood	likelihood	NOUN
fbem-18174	104	22	ratio	ratio	NOUN
fbem-18174	104	23	test	test	NOUN
fbem-18174	104	24	(	(	PUNCT
fbem-18174	104	25	lr	lr	NOUN
fbem-18174	104	26	test	test	NOUN
fbem-18174	104	27	)	)	PUNCT
fbem-18174	104	28	.	.	PUNCT
fbem-18174	105	1	h0	h0	PROPN
fbem-18174	105	2	(	(	PUNCT
fbem-18174	105	3	null	null	ADJ
fbem-18174	105	4	hypothesis	hypothesis	NOUN
fbem-18174	105	5	):	):	PUNCT
fbem-18174	105	6	the	the	DET
fbem-18174	105	7	single	single	ADJ
fbem-18174	105	8	fixed	fix	VERB
fbem-18174	105	9	effects	effect	NOUN
fbem-18174	105	10	model	model	NOUN
fbem-18174	105	11	is	be	AUX
fbem-18174	105	12	sufficient	sufficient	ADJ
fbem-18174	105	13	for	for	ADP
fbem-18174	105	14	explaining	explain	VERB
fbem-18174	105	15	the	the	DET
fbem-18174	105	16	data	datum	NOUN
fbem-18174	105	17	,	,	PUNCT
fbem-18174	105	18	and	and	CCONJ
fbem-18174	105	19	the	the	DET
fbem-18174	105	20	inclusion	inclusion	NOUN
fbem-18174	105	21	of	of	ADP
fbem-18174	105	22	timefixed	timefixe	VERB
fbem-18174	105	23	effects	effect	NOUN
fbem-18174	105	24	does	do	AUX
fbem-18174	105	25	not	not	PART
fbem-18174	105	26	significantly	significantly	ADV
fbem-18174	105	27	improve	improve	VERB
fbem-18174	105	28	the	the	DET
fbem-18174	105	29	model	model	NOUN
fbem-18174	105	30	's	's	PART
fbem-18174	105	31	fit	fit	ADJ
fbem-18174	105	32	.	.	PUNCT
fbem-18174	106	1	h1	h1	PROPN
fbem-18174	106	2	(	(	PUNCT
fbem-18174	106	3	alternative	alternative	ADJ
fbem-18174	106	4	hypothesis	hypothesis	NOUN
fbem-18174	106	5	):	):	PUNCT
fbem-18174	106	6	the	the	DET
fbem-18174	106	7	double	double	ADJ
fbem-18174	106	8	fixed	fix	VERB
fbem-18174	106	9	effects	effect	NOUN
fbem-18174	106	10	model	model	NOUN
fbem-18174	106	11	,	,	PUNCT
fbem-18174	106	12	incorporating	incorporate	VERB
fbem-18174	106	13	both	both	CCONJ
fbem-18174	106	14	individual	individual	ADJ
fbem-18174	106	15	and	and	CCONJ
fbem-18174	106	16	time	time	NOUN
fbem-18174	106	17	-	-	PUNCT
fbem-18174	106	18	fixed	fix	VERB
fbem-18174	106	19	effects	effect	NOUN
fbem-18174	106	20	,	,	PUNCT
fbem-18174	106	21	is	be	AUX
fbem-18174	106	22	necessary	necessary	ADJ
fbem-18174	106	23	as	as	SCONJ
fbem-18174	106	24	it	it	PRON
fbem-18174	106	25	provides	provide	VERB
fbem-18174	106	26	a	a	DET
fbem-18174	106	27	significantly	significantly	ADV
fbem-18174	106	28	better	well	ADV
fbem-18174	106	29	fit	fit	ADJ
fbem-18174	106	30	to	to	ADP
fbem-18174	106	31	the	the	DET
fbem-18174	106	32	data	datum	NOUN
fbem-18174	106	33	.	.	PUNCT
fbem-18174	107	1	the	the	DET
fbem-18174	107	2	lr	lr	PROPN
fbem-18174	107	3	test	test	NOUN
fbem-18174	107	4	evaluates	evaluate	VERB
fbem-18174	107	5	the	the	DET
fbem-18174	107	6	necessity	necessity	NOUN
fbem-18174	107	7	of	of	ADP
fbem-18174	107	8	including	include	VERB
fbem-18174	107	9	both	both	CCONJ
fbem-18174	107	10	individual	individual	ADJ
fbem-18174	107	11	and	and	CCONJ
fbem-18174	107	12	time	time	NOUN
fbem-18174	107	13	-	-	PUNCT
fbem-18174	107	14	fixed	fix	VERB
fbem-18174	107	15	effects	effect	NOUN
fbem-18174	107	16	by	by	ADP
fbem-18174	107	17	comparing	compare	VERB
fbem-18174	107	18	the	the	DET
fbem-18174	107	19	fit	fit	NOUN
fbem-18174	107	20	of	of	ADP
fbem-18174	107	21	the	the	DET
fbem-18174	107	22	single	single	ADJ
fbem-18174	107	23	fixed	fix	VERB
fbem-18174	107	24	effects	effect	NOUN
fbem-18174	107	25	model	model	NOUN
fbem-18174	107	26	against	against	ADP
fbem-18174	107	27	that	that	PRON
fbem-18174	107	28	of	of	ADP
fbem-18174	107	29	the	the	DET
fbem-18174	107	30	double	double	ADJ
fbem-18174	107	31	fixed	fix	VERB
fbem-18174	107	32	effects	effect	NOUN
fbem-18174	107	33	model	model	NOUN
fbem-18174	107	34	.	.	PUNCT
fbem-18174	108	1	this	this	DET
fbem-18174	108	2	test	test	NOUN
fbem-18174	108	3	derives	derive	VERB
fbem-18174	108	4	a	a	DET
fbem-18174	108	5	χ²	χ²	NOUN
fbem-18174	108	6	statistic	statistic	ADJ
fbem-18174	108	7	from	from	ADP
fbem-18174	108	8	the	the	DET
fbem-18174	108	9	comparison	comparison	NOUN
fbem-18174	108	10	of	of	ADP
fbem-18174	108	11	their	their	PRON
fbem-18174	108	12	likelihood	likelihood	NOUN
fbem-18174	108	13	function	function	NOUN
fbem-18174	108	14	values	value	NOUN
fbem-18174	108	15	and	and	CCONJ
fbem-18174	108	16	computes	compute	VERB
fbem-18174	108	17	a	a	DET
fbem-18174	108	18	p	p	NOUN
fbem-18174	108	19	-	-	PUNCT
fbem-18174	108	20	value	value	NOUN
fbem-18174	108	21	.	.	PUNCT
fbem-18174	109	1	the	the	DET
fbem-18174	109	2	result	result	NOUN
fbem-18174	109	3	,	,	PUNCT
fbem-18174	109	4	indicating	indicate	VERB
fbem-18174	109	5	a	a	DET
fbem-18174	109	6	χ²	χ²	NOUN
fbem-18174	109	7	value	value	NOUN
fbem-18174	109	8	of	of	ADP
fbem-18174	109	9	12.58	12.58	NUM
fbem-18174	109	10	with	with	ADP
fbem-18174	109	11	a	a	DET
fbem-18174	109	12	pvalue	pvalue	NOUN
fbem-18174	109	13	of	of	ADP
fbem-18174	109	14	0.0276	0.0276	NUM
fbem-18174	109	15	,	,	PUNCT
fbem-18174	109	16	significantly	significantly	ADV
fbem-18174	109	17	below	below	ADP
fbem-18174	109	18	the	the	DET
fbem-18174	109	19	conventional	conventional	ADJ
fbem-18174	109	20	significance	significance	NOUN
fbem-18174	109	21	threshold	threshold	NOUN
fbem-18174	109	22	(	(	PUNCT
fbem-18174	109	23	e.g.	e.g.	ADV
fbem-18174	109	24	,	,	PUNCT
fbem-18174	109	25	0.05	0.05	NUM
fbem-18174	109	26	)	)	PUNCT
fbem-18174	109	27	,	,	PUNCT
fbem-18174	109	28	robustly	robustly	ADV
fbem-18174	109	29	rejects	reject	VERB
fbem-18174	109	30	the	the	DET
fbem-18174	109	31	null	null	ADJ
fbem-18174	109	32	hypothesis	hypothesis	NOUN
fbem-18174	109	33	in	in	ADP
fbem-18174	109	34	favor	favor	NOUN
fbem-18174	109	35	of	of	ADP
fbem-18174	109	36	the	the	DET
fbem-18174	109	37	alternative	alternative	ADJ
fbem-18174	109	38	hypothesis	hypothesis	NOUN
fbem-18174	109	39	.	.	PUNCT
fbem-18174	110	1	it	it	PRON
fbem-18174	110	2	suggests	suggest	VERB
fbem-18174	110	3	that	that	SCONJ
fbem-18174	110	4	the	the	DET
fbem-18174	110	5	inclusion	inclusion	NOUN
fbem-18174	110	6	of	of	ADP
fbem-18174	110	7	time	time	NOUN
fbem-18174	110	8	-	-	PUNCT
fbem-18174	110	9	fixed	fix	VERB
fbem-18174	110	10	effects	effect	NOUN
fbem-18174	110	11	in	in	ADP
fbem-18174	110	12	a	a	DET
fbem-18174	110	13	double	double	ADJ
fbem-18174	110	14	fixed	fix	VERB
fbem-18174	110	15	effects	effect	NOUN
fbem-18174	110	16	model	model	NOUN
fbem-18174	110	17	significantly	significantly	ADV
fbem-18174	110	18	enhances	enhance	VERB
fbem-18174	110	19	the	the	DET
fbem-18174	110	20	data	datum	NOUN
fbem-18174	110	21	fit	fit	ADJ
fbem-18174	110	22	.	.	PUNCT
fbem-18174	111	1	this	this	DET
fbem-18174	111	2	outcome	outcome	NOUN
fbem-18174	111	3	underscores	underscore	VERB
fbem-18174	111	4	the	the	DET
fbem-18174	111	5	substantial	substantial	ADJ
fbem-18174	111	6	impact	impact	NOUN
fbem-18174	111	7	of	of	ADP
fbem-18174	111	8	temporal	temporal	ADJ
fbem-18174	111	9	factors	factor	NOUN
fbem-18174	111	10	within	within	ADP
fbem-18174	111	11	the	the	DET
fbem-18174	111	12	model	model	NOUN
fbem-18174	111	13	,	,	PUNCT
fbem-18174	111	14	validating	validate	VERB
fbem-18174	111	15	the	the	DET
fbem-18174	111	16	use	use	NOUN
fbem-18174	111	17	of	of	ADP
fbem-18174	111	18	a	a	DET
fbem-18174	111	19	twoway	twoway	NOUN
fbem-18174	111	20	fixed	fix	VERB
fbem-18174	111	21	effects	effect	NOUN
fbem-18174	111	22	framework	framework	NOUN
fbem-18174	111	23	in	in	ADP
fbem-18174	111	24	capturing	capture	VERB
fbem-18174	111	25	the	the	DET
fbem-18174	111	26	intricacies	intricacy	NOUN
fbem-18174	111	27	of	of	ADP
fbem-18174	111	28	data	datum	NOUN
fbem-18174	111	29	where	where	SCONJ
fbem-18174	111	30	both	both	DET
fbem-18174	111	31	entity	entity	NOUN
fbem-18174	111	32	-	-	PUNCT
fbem-18174	111	33	specific	specific	ADJ
fbem-18174	111	34	and	and	CCONJ
fbem-18174	111	35	time	time	NOUN
fbem-18174	111	36	-	-	PUNCT
fbem-18174	111	37	specific	specific	ADJ
fbem-18174	111	38	variations	variation	NOUN
fbem-18174	111	39	play	play	VERB
fbem-18174	111	40	crucial	crucial	ADJ
fbem-18174	111	41	roles	role	NOUN
fbem-18174	111	42	.	.	PUNCT
fbem-18174	112	1	therefore	therefore	ADV
fbem-18174	112	2	,	,	PUNCT
fbem-18174	112	3	in	in	ADP
fbem-18174	112	4	light	light	NOUN
fbem-18174	112	5	of	of	ADP
fbem-18174	112	6	these	these	DET
fbem-18174	112	7	statistical	statistical	ADJ
fbem-18174	112	8	findings	finding	NOUN
fbem-18174	112	9	,	,	PUNCT
fbem-18174	112	10	the	the	DET
fbem-18174	112	11	two	two	NUM
fbem-18174	112	12	-	-	PUNCT
fbem-18174	112	13	way	way	NOUN
fbem-18174	112	14	fixed	fix	VERB
fbem-18174	112	15	effects	effect	NOUN
fbem-18174	112	16	model	model	NOUN
fbem-18174	112	17	will	will	AUX
fbem-18174	112	18	be	be	AUX
fbem-18174	112	19	selected	select	VERB
fbem-18174	112	20	for	for	ADP
fbem-18174	112	21	the	the	DET
fbem-18174	112	22	examination	examination	NOUN
fbem-18174	112	23	of	of	ADP
fbem-18174	112	24	premium	premium	NOUN
fbem-18174	112	25	income	income	NOUN
fbem-18174	112	26	and	and	CCONJ
fbem-18174	112	27	its	its	PRON
fbem-18174	112	28	determinants	determinant	NOUN
fbem-18174	112	29	.	.	PUNCT
fbem-18174	113	1	4	4	X
fbem-18174	113	2	.	.	X
fbem-18174	113	3	regression	regression	NOUN
fbem-18174	113	4	results	result	NOUN
fbem-18174	113	5	and	and	CCONJ
fbem-18174	113	6	inferences	inference	VERB
fbem-18174	113	7	the	the	DET
fbem-18174	113	8	regression	regression	NOUN
fbem-18174	113	9	results	result	VERB
fbem-18174	113	10	from	from	ADP
fbem-18174	113	11	the	the	DET
fbem-18174	113	12	double	double	ADJ
fbem-18174	113	13	fixed	fix	VERB
fbem-18174	113	14	effects	effect	NOUN
fbem-18174	113	15	model	model	NOUN
fbem-18174	113	16	provide	provide	VERB
fbem-18174	113	17	insightful	insightful	ADJ
fbem-18174	113	18	observations	observation	NOUN
fbem-18174	113	19	into	into	ADP
fbem-18174	113	20	sw	sw	PROPN
fbem-18174	113	21	,	,	PUNCT
fbem-18174	113	22	pcdi	pcdi	NOUN
fbem-18174	113	23	,	,	PUNCT
fbem-18174	113	24	edr	edr	NOUN
fbem-18174	113	25	and	and	CCONJ
fbem-18174	113	26	ea	ea	NOUN
fbem-18174	113	27	influencing	influence	VERB
fbem-18174	113	28	pi	pi	NOUN
fbem-18174	113	29	.	.	PUNCT
fbem-18174	114	1	the	the	DET
fbem-18174	114	2	model	model	NOUN
fbem-18174	114	3	’s	’s	PART
fbem-18174	114	4	fit	fit	ADJ
fbem-18174	114	5	and	and	CCONJ
fbem-18174	114	6	effectiveness	effectiveness	NOUN
fbem-18174	114	7	are	be	AUX
fbem-18174	114	8	indicated	indicate	VERB
fbem-18174	114	9	by	by	ADP
fbem-18174	114	10	the	the	DET
fbem-18174	114	11	r	r	NOUN
fbem-18174	114	12	-	-	PUNCT
fbem-18174	114	13	squared	square	VERB
fbem-18174	114	14	values	value	NOUN
fbem-18174	114	15	:	:	PUNCT
fbem-18174	114	16	within	within	ADP
fbem-18174	114	17	(	(	PUNCT
fbem-18174	114	18	0.6593	0.6593	NUM
fbem-18174	114	19	)	)	PUNCT
fbem-18174	114	20	,	,	PUNCT
fbem-18174	114	21	between	between	ADP
fbem-18174	114	22	(	(	PUNCT
fbem-18174	114	23	0.7505	0.7505	NUM
fbem-18174	114	24	)	)	PUNCT
fbem-18174	114	25	,	,	PUNCT
fbem-18174	114	26	and	and	CCONJ
fbem-18174	114	27	overall	overall	ADV
fbem-18174	114	28	(	(	PUNCT
fbem-18174	114	29	0.7335	0.7335	NUM
fbem-18174	114	30	)	)	PUNCT
fbem-18174	114	31	,	,	PUNCT
fbem-18174	114	32	signifying	signify	VERB
fbem-18174	114	33	a	a	DET
fbem-18174	114	34	robust	robust	ADJ
fbem-18174	114	35	explanatory	explanatory	ADJ
fbem-18174	114	36	power	power	NOUN
fbem-18174	114	37	for	for	ADP
fbem-18174	114	38	both	both	CCONJ
fbem-18174	114	39	individual	individual	ADJ
fbem-18174	114	40	and	and	CCONJ
fbem-18174	114	41	time	time	NOUN
fbem-18174	114	42	variations	variation	NOUN
fbem-18174	114	43	across	across	ADP
fbem-18174	114	44	the	the	DET
fbem-18174	114	45	186	186	NUM
fbem-18174	114	46	observations	observation	NOUN
fbem-18174	114	47	from	from	ADP
fbem-18174	114	48	31	31	NUM
fbem-18174	114	49	provinces	province	NOUN
fbem-18174	114	50	.	.	PUNCT
fbem-18174	115	1	table	table	NOUN
fbem-18174	115	2	9	9	NUM
fbem-18174	115	3	.	.	PUNCT
fbem-18174	116	1	regression	regression	NOUN
fbem-18174	116	2	result	result	VERB
fbem-18174	116	3	variable	variable	ADJ
fbem-18174	116	4	coefficient	coefficient	NOUN
fbem-18174	116	5	t	t	NOUN
fbem-18174	116	6	-	-	PUNCT
fbem-18174	116	7	statistic	statistic	NOUN
fbem-18174	116	8	p	p	NOUN
fbem-18174	116	9	-	-	PUNCT
fbem-18174	116	10	value	value	NOUN
fbem-18174	116	11	sw	sw	NOUN
fbem-18174	116	12	0.445	0.445	NUM
fbem-18174	116	13	*	*	PUNCT
fbem-18174	116	14	*	*	PUNCT
fbem-18174	116	15	*	*	PUNCT
fbem-18174	116	16	7.63	7.63	NUM
fbem-18174	116	17	<	<	NOUN
fbem-18174	116	18	0.001	0.001	NUM
fbem-18174	116	19	pcdi	pcdi	NOUN
fbem-18174	116	20	0.474	0.474	NUM
fbem-18174	116	21	*	*	NOUN
fbem-18174	116	22	*	*	PROPN
fbem-18174	116	23	3.79	3.79	NUM
fbem-18174	116	24	<	<	NOUN
fbem-18174	116	25	0.001	0.001	NUM
fbem-18174	116	26	edr	edr	NOUN
fbem-18174	116	27	-0.016	-0.016	PROPN
fbem-18174	116	28	*	*	PUNCT
fbem-18174	116	29	-1.98	-1.98	NUM
fbem-18174	116	30	0.049	0.049	NUM
fbem-18174	116	31	ea	ea	NOUN
fbem-18174	116	32	-0.180	-0.180	PROPN
fbem-18174	116	33	*	*	PUNCT
fbem-18174	116	34	*	*	PUNCT
fbem-18174	116	35	-2.11	-2.11	NUM
fbem-18174	116	36	0.008	0.008	NUM
fbem-18174	116	37	constant	constant	ADJ
fbem-18174	116	38	8.750	8.750	NUM
fbem-18174	116	39	1.57	1.57	NUM
fbem-18174	116	40	0.119	0.119	NUM
fbem-18174	116	41	r	r	X
fbem-18174	116	42	-	-	PUNCT
fbem-18174	116	43	squared	square	VERB
fbem-18174	116	44	within	within	ADP
fbem-18174	116	45	0.6593	0.6593	NUM
fbem-18174	116	46	between	between	ADP
fbem-18174	116	47	0.7505	0.7505	NUM
fbem-18174	116	48	overall	overall	ADJ
fbem-18174	116	49	0.7335	0.7335	NUM
fbem-18174	116	50	observations	observation	NOUN
fbem-18174	116	51	186	186	NUM
fbem-18174	116	52	no	no	NOUN
fbem-18174	116	53	.	.	PUNCT
fbem-18174	117	1	of	of	ADP
fbem-18174	117	2	provinces	province	NOUN
fbem-18174	117	3	31	31	NUM
fbem-18174	117	4	*	*	PUNCT
fbem-18174	117	5	p	p	X
fbem-18174	117	6	<	<	X
fbem-18174	117	7	0.05	0.05	NUM
fbem-18174	117	8	,	,	PUNCT
fbem-18174	117	9	*	*	PUNCT
fbem-18174	117	10	*	*	PUNCT
fbem-18174	117	11	p	p	X
fbem-18174	117	12	<	<	X
fbem-18174	117	13	0.01	0.01	NUM
fbem-18174	117	14	,	,	PUNCT
fbem-18174	117	15	*	*	PUNCT
fbem-18174	117	16	*	*	PUNCT
fbem-18174	117	17	*	*	PUNCT
fbem-18174	117	18	p	p	X
fbem-18174	117	19	<	<	X
fbem-18174	117	20	0.001	0.001	NUM
fbem-18174	117	21	source	source	NOUN
fbem-18174	117	22	:	:	PUNCT
fbem-18174	117	23	author	author	NOUN
fbem-18174	117	24	-	-	PUNCT
fbem-18174	117	25	compiled	compile	VERB
fbem-18174	117	26	a	a	DET
fbem-18174	117	27	deeper	deep	ADJ
fbem-18174	117	28	look	look	NOUN
fbem-18174	117	29	into	into	ADP
fbem-18174	117	30	the	the	DET
fbem-18174	117	31	coefficients	coefficient	NOUN
fbem-18174	117	32	reveals	reveal	VERB
fbem-18174	117	33	the	the	DET
fbem-18174	117	34	nuanced	nuanced	ADJ
fbem-18174	117	35	dynamics	dynamic	NOUN
fbem-18174	117	36	within	within	ADP
fbem-18174	117	37	the	the	DET
fbem-18174	117	38	insurance	insurance	NOUN
fbem-18174	117	39	market	market	NOUN
fbem-18174	117	40	.	.	PUNCT
fbem-18174	118	1	the	the	DET
fbem-18174	118	2	positive	positive	ADJ
fbem-18174	118	3	and	and	CCONJ
fbem-18174	118	4	significant	significant	ADJ
fbem-18174	118	5	coefficient	coefficient	NOUN
fbem-18174	118	6	of	of	ADP
fbem-18174	118	7	social	social	ADJ
fbem-18174	118	8	welfare	welfare	NOUN
fbem-18174	118	9	(	(	PUNCT
fbem-18174	118	10	0.445	0.445	NUM
fbem-18174	118	11	,	,	PUNCT
fbem-18174	118	12	p<0.001	p<0.001	PUNCT
fbem-18174	118	13	)	)	PUNCT
fbem-18174	118	14	153	153	NUM
fbem-18174	118	15	suggests	suggest	VERB
fbem-18174	118	16	a	a	DET
fbem-18174	118	17	strong	strong	ADJ
fbem-18174	118	18	link	link	NOUN
fbem-18174	118	19	between	between	ADP
fbem-18174	118	20	government	government	NOUN
fbem-18174	118	21	investment	investment	NOUN
fbem-18174	118	22	in	in	ADP
fbem-18174	118	23	welfare	welfare	NOUN
fbem-18174	118	24	and	and	CCONJ
fbem-18174	118	25	the	the	DET
fbem-18174	118	26	demand	demand	NOUN
fbem-18174	118	27	for	for	ADP
fbem-18174	118	28	personal	personal	ADJ
fbem-18174	118	29	insurance	insurance	NOUN
fbem-18174	118	30	.	.	PUNCT
fbem-18174	119	1	national	national	ADJ
fbem-18174	119	2	financial	financial	ADJ
fbem-18174	119	3	support	support	NOUN
fbem-18174	119	4	for	for	ADP
fbem-18174	119	5	workers	worker	NOUN
fbem-18174	119	6	who	who	PRON
fbem-18174	119	7	terminate	terminate	VERB
fbem-18174	119	8	their	their	PRON
fbem-18174	119	9	employment	employment	NOUN
fbem-18174	119	10	due	due	ADP
fbem-18174	119	11	to	to	ADP
fbem-18174	119	12	old	old	ADJ
fbem-18174	119	13	age	age	NOUN
fbem-18174	119	14	or	or	CCONJ
fbem-18174	119	15	illness	illness	NOUN
fbem-18174	119	16	promotes	promote	VERB
fbem-18174	119	17	insurance	insurance	NOUN
fbem-18174	119	18	awareness	awareness	NOUN
fbem-18174	119	19	and	and	CCONJ
fbem-18174	119	20	increases	increase	VERB
fbem-18174	119	21	the	the	DET
fbem-18174	119	22	demand	demand	NOUN
fbem-18174	119	23	for	for	ADP
fbem-18174	119	24	personal	personal	ADJ
fbem-18174	119	25	insurance	insurance	NOUN
fbem-18174	119	26	.	.	PUNCT
fbem-18174	120	1	similarly	similarly	ADV
fbem-18174	120	2	,	,	PUNCT
fbem-18174	120	3	per	per	ADP
fbem-18174	120	4	capita	capita	X
fbem-18174	120	5	disposable	disposable	ADJ
fbem-18174	120	6	income	income	NOUN
fbem-18174	120	7	positively	positively	ADV
fbem-18174	120	8	correlates	correlate	VERB
fbem-18174	120	9	with	with	ADP
fbem-18174	120	10	premium	premium	ADJ
fbem-18174	120	11	income	income	NOUN
fbem-18174	120	12	(	(	PUNCT
fbem-18174	120	13	coefficient	coefficient	NOUN
fbem-18174	120	14	of	of	ADP
fbem-18174	120	15	0.474	0.474	NUM
fbem-18174	120	16	,	,	PUNCT
fbem-18174	120	17	p<0.01	p<0.01	PROPN
fbem-18174	120	18	)	)	PUNCT
fbem-18174	120	19	.	.	PUNCT
fbem-18174	121	1	it	it	PRON
fbem-18174	121	2	is	be	AUX
fbem-18174	121	3	possible	possible	ADJ
fbem-18174	121	4	that	that	SCONJ
fbem-18174	121	5	people	people	NOUN
fbem-18174	121	6	’s	’s	PART
fbem-18174	121	7	ability	ability	NOUN
fbem-18174	121	8	to	to	PART
fbem-18174	121	9	pay	pay	VERB
fbem-18174	121	10	has	have	AUX
fbem-18174	121	11	increased	increase	VERB
fbem-18174	121	12	,	,	PUNCT
fbem-18174	121	13	so	so	ADV
fbem-18174	121	14	they	they	PRON
fbem-18174	121	15	spend	spend	VERB
fbem-18174	121	16	more	more	ADJ
fbem-18174	121	17	on	on	ADP
fbem-18174	121	18	expenses	expense	NOUN
fbem-18174	121	19	other	other	ADJ
fbem-18174	121	20	than	than	ADP
fbem-18174	121	21	daily	daily	ADJ
fbem-18174	121	22	consumption	consumption	NOUN
fbem-18174	121	23	,	,	PUNCT
fbem-18174	121	24	leading	lead	VERB
fbem-18174	121	25	to	to	ADP
fbem-18174	121	26	a	a	DET
fbem-18174	121	27	higher	high	ADJ
fbem-18174	121	28	demand	demand	NOUN
fbem-18174	121	29	for	for	ADP
fbem-18174	121	30	insurance	insurance	NOUN
fbem-18174	121	31	protection	protection	NOUN
fbem-18174	121	32	.	.	PUNCT
fbem-18174	122	1	beyond	beyond	ADP
fbem-18174	122	2	mere	mere	ADJ
fbem-18174	122	3	risk	risk	NOUN
fbem-18174	122	4	mitigation	mitigation	NOUN
fbem-18174	122	5	and	and	CCONJ
fbem-18174	122	6	self	self	NOUN
fbem-18174	122	7	-	-	PUNCT
fbem-18174	122	8	interest	interest	NOUN
fbem-18174	122	9	protection	protection	NOUN
fbem-18174	122	10	,	,	PUNCT
fbem-18174	122	11	contemporary	contemporary	ADJ
fbem-18174	122	12	insurance	insurance	NOUN
fbem-18174	122	13	offerings	offering	NOUN
fbem-18174	122	14	such	such	ADJ
fbem-18174	122	15	as	as	ADP
fbem-18174	122	16	certain	certain	ADJ
fbem-18174	122	17	whole	whole	ADJ
fbem-18174	122	18	life	life	NOUN
fbem-18174	122	19	insurance	insurance	NOUN
fbem-18174	122	20	policies	policy	NOUN
fbem-18174	122	21	,	,	PUNCT
fbem-18174	122	22	with	with	ADP
fbem-18174	122	23	financial	financial	ADJ
fbem-18174	122	24	management	management	NOUN
fbem-18174	122	25	and	and	CCONJ
fbem-18174	122	26	wealth	wealth	NOUN
fbem-18174	122	27	accumulation	accumulation	NOUN
fbem-18174	122	28	features	feature	VERB
fbem-18174	122	29	.	.	PUNCT
fbem-18174	123	1	with	with	ADP
fbem-18174	123	2	the	the	DET
fbem-18174	123	3	rise	rise	NOUN
fbem-18174	123	4	in	in	ADP
fbem-18174	123	5	disposable	disposable	ADJ
fbem-18174	123	6	income	income	NOUN
fbem-18174	123	7	,	,	PUNCT
fbem-18174	123	8	such	such	ADJ
fbem-18174	123	9	multifaceted	multifaceted	ADJ
fbem-18174	123	10	insurance	insurance	NOUN
fbem-18174	123	11	products	product	NOUN
fbem-18174	123	12	naturally	naturally	ADV
fbem-18174	123	13	gain	gain	VERB
fbem-18174	123	14	traction	traction	NOUN
fbem-18174	123	15	.	.	PUNCT
fbem-18174	124	1	concurrently	concurrently	ADV
fbem-18174	124	2	,	,	PUNCT
fbem-18174	124	3	the	the	DET
fbem-18174	124	4	more	more	ADV
fbem-18174	124	5	surplus	surplus	ADJ
fbem-18174	124	6	income	income	NOUN
fbem-18174	124	7	people	people	NOUN
fbem-18174	124	8	have	have	AUX
fbem-18174	124	9	,	,	PUNCT
fbem-18174	124	10	the	the	PRON
fbem-18174	124	11	more	more	ADJ
fbem-18174	124	12	individuals	individual	NOUN
fbem-18174	124	13	tend	tend	VERB
fbem-18174	124	14	to	to	PART
fbem-18174	124	15	become	become	VERB
fbem-18174	124	16	conscious	conscious	ADJ
fbem-18174	124	17	of	of	ADP
fbem-18174	124	18	their	their	PRON
fbem-18174	124	19	health	health	NOUN
fbem-18174	124	20	and	and	CCONJ
fbem-18174	124	21	life	life	NOUN
fbem-18174	124	22	protection	protection	NOUN
fbem-18174	124	23	needs	need	NOUN
fbem-18174	124	24	.	.	PUNCT
fbem-18174	125	1	thus	thus	ADV
fbem-18174	125	2	,	,	PUNCT
fbem-18174	125	3	the	the	DET
fbem-18174	125	4	dual	dual	ADJ
fbem-18174	125	5	role	role	NOUN
fbem-18174	125	6	of	of	ADP
fbem-18174	125	7	modern	modern	ADJ
fbem-18174	125	8	insurance	insurance	NOUN
fbem-18174	125	9	products	product	NOUN
fbem-18174	125	10	not	not	PART
fbem-18174	125	11	only	only	ADV
fbem-18174	125	12	aligns	align	VERB
fbem-18174	125	13	with	with	ADP
fbem-18174	125	14	the	the	DET
fbem-18174	125	15	increasing	increase	VERB
fbem-18174	125	16	financial	financial	ADJ
fbem-18174	125	17	acumen	acuman	NOUN
fbem-18174	125	18	of	of	ADP
fbem-18174	125	19	consumers	consumer	NOUN
fbem-18174	125	20	,	,	PUNCT
fbem-18174	125	21	but	but	CCONJ
fbem-18174	125	22	also	also	ADV
fbem-18174	125	23	satisfies	satisfy	VERB
fbem-18174	125	24	the	the	DET
fbem-18174	125	25	need	need	NOUN
fbem-18174	125	26	for	for	ADP
fbem-18174	125	27	health	health	NOUN
fbem-18174	125	28	protection	protection	NOUN
fbem-18174	125	29	,	,	PUNCT
fbem-18174	125	30	leading	lead	VERB
fbem-18174	125	31	to	to	ADP
fbem-18174	125	32	an	an	DET
fbem-18174	125	33	expanded	expand	VERB
fbem-18174	125	34	market	market	NOUN
fbem-18174	125	35	demand	demand	NOUN
fbem-18174	125	36	.	.	PUNCT
fbem-18174	126	1	the	the	DET
fbem-18174	126	2	observed	observe	VERB
fbem-18174	126	3	negative	negative	ADJ
fbem-18174	126	4	correlation	correlation	NOUN
fbem-18174	126	5	between	between	ADP
fbem-18174	126	6	the	the	DET
fbem-18174	126	7	elderly	elderly	ADJ
fbem-18174	126	8	dependency	dependency	NOUN
fbem-18174	126	9	ratio	ratio	NOUN
fbem-18174	126	10	and	and	CCONJ
fbem-18174	126	11	insurance	insurance	NOUN
fbem-18174	126	12	premium	premium	NOUN
fbem-18174	126	13	income	income	NOUN
fbem-18174	126	14	,	,	PUNCT
fbem-18174	126	15	as	as	SCONJ
fbem-18174	126	16	indicated	indicate	VERB
fbem-18174	126	17	by	by	ADP
fbem-18174	126	18	a	a	DET
fbem-18174	126	19	coefficient	coefficient	NOUN
fbem-18174	126	20	of	of	ADP
fbem-18174	126	21	-0.016	-0.016	PROPN
fbem-18174	126	22	(	(	PUNCT
fbem-18174	126	23	p<0.05	p<0.05	NOUN
fbem-18174	126	24	)	)	PUNCT
fbem-18174	126	25	,	,	PUNCT
fbem-18174	126	26	could	could	AUX
fbem-18174	126	27	be	be	AUX
fbem-18174	126	28	attributed	attribute	VERB
fbem-18174	126	29	to	to	ADP
fbem-18174	126	30	a	a	DET
fbem-18174	126	31	constellation	constellation	NOUN
fbem-18174	126	32	of	of	ADP
fbem-18174	126	33	socio	socio	NOUN
fbem-18174	126	34	-	-	PUNCT
fbem-18174	126	35	economic	economic	ADJ
fbem-18174	126	36	and	and	CCONJ
fbem-18174	126	37	policyrelated	policyrelated	ADJ
fbem-18174	126	38	factors	factor	NOUN
fbem-18174	126	39	.	.	PUNCT
fbem-18174	127	1	primarily	primarily	ADV
fbem-18174	127	2	,	,	PUNCT
fbem-18174	127	3	the	the	DET
fbem-18174	127	4	comparatively	comparatively	ADV
fbem-18174	127	5	low	low	ADJ
fbem-18174	127	6	insurance	insurance	NOUN
fbem-18174	127	7	awareness	awareness	NOUN
fbem-18174	127	8	among	among	ADP
fbem-18174	127	9	the	the	DET
fbem-18174	127	10	elderly	elderly	ADJ
fbem-18174	127	11	population	population	NOUN
fbem-18174	127	12	influenced	influence	VERB
fbem-18174	127	13	by	by	ADP
fbem-18174	127	14	traditional	traditional	ADJ
fbem-18174	127	15	mindsets	mindset	NOUN
fbem-18174	127	16	may	may	AUX
fbem-18174	127	17	significantly	significantly	ADV
fbem-18174	127	18	diminish	diminish	VERB
fbem-18174	127	19	their	their	PRON
fbem-18174	127	20	participation	participation	NOUN
fbem-18174	127	21	in	in	ADP
fbem-18174	127	22	insurance	insurance	NOUN
fbem-18174	127	23	markets	market	NOUN
fbem-18174	127	24	.	.	PUNCT
fbem-18174	128	1	this	this	DET
fbem-18174	128	2	trend	trend	NOUN
fbem-18174	128	3	is	be	AUX
fbem-18174	128	4	particularly	particularly	ADV
fbem-18174	128	5	pronounced	pronounce	VERB
fbem-18174	128	6	in	in	ADP
fbem-18174	128	7	the	the	DET
fbem-18174	128	8	context	context	NOUN
fbem-18174	128	9	of	of	ADP
fbem-18174	128	10	china	china	PROPN
fbem-18174	128	11	's	's	PART
fbem-18174	128	12	intensifying	intensify	VERB
fbem-18174	128	13	aging	age	VERB
fbem-18174	128	14	problem	problem	NOUN
fbem-18174	128	15	.	.	PUNCT
fbem-18174	129	1	besides	besides	SCONJ
fbem-18174	129	2	,	,	PUNCT
fbem-18174	129	3	a	a	DET
fbem-18174	129	4	critical	critical	ADJ
fbem-18174	129	5	aspect	aspect	NOUN
fbem-18174	129	6	contributing	contribute	VERB
fbem-18174	129	7	to	to	ADP
fbem-18174	129	8	this	this	DET
fbem-18174	129	9	phenomenon	phenomenon	NOUN
fbem-18174	129	10	is	be	AUX
fbem-18174	129	11	the	the	DET
fbem-18174	129	12	insurance	insurance	NOUN
fbem-18174	129	13	industry	industry	NOUN
fbem-18174	129	14	's	's	PART
fbem-18174	129	15	policy	policy	NOUN
fbem-18174	129	16	framework	framework	NOUN
fbem-18174	129	17	.	.	PUNCT
fbem-18174	130	1	many	many	ADJ
fbem-18174	130	2	personal	personal	ADJ
fbem-18174	130	3	insurance	insurance	NOUN
fbem-18174	130	4	products	product	NOUN
fbem-18174	130	5	,	,	PUNCT
fbem-18174	130	6	especially	especially	ADV
fbem-18174	130	7	life	life	NOUN
fbem-18174	130	8	insurance	insurance	NOUN
fbem-18174	130	9	,	,	PUNCT
fbem-18174	130	10	impose	impose	VERB
fbem-18174	130	11	stringent	stringent	ADJ
fbem-18174	130	12	health	health	NOUN
fbem-18174	130	13	and	and	CCONJ
fbem-18174	130	14	age	age	NOUN
fbem-18174	130	15	-	-	PUNCT
fbem-18174	130	16	related	relate	VERB
fbem-18174	130	17	eligibility	eligibility	NOUN
fbem-18174	130	18	criteria	criterion	NOUN
fbem-18174	130	19	,	,	PUNCT
fbem-18174	130	20	which	which	PRON
fbem-18174	130	21	may	may	AUX
fbem-18174	130	22	increase	increase	VERB
fbem-18174	130	23	difficulty	difficulty	NOUN
fbem-18174	130	24	in	in	ADP
fbem-18174	130	25	obtaining	obtain	VERB
fbem-18174	130	26	insurance	insurance	NOUN
fbem-18174	130	27	for	for	ADP
fbem-18174	130	28	older	old	ADJ
fbem-18174	130	29	individuals	individual	NOUN
fbem-18174	130	30	,	,	PUNCT
fbem-18174	130	31	sometimes	sometimes	ADV
fbem-18174	130	32	by	by	ADP
fbem-18174	130	33	outright	outright	ADJ
fbem-18174	130	34	rejection	rejection	NOUN
fbem-18174	130	35	.	.	PUNCT
fbem-18174	131	1	this	this	DET
fbem-18174	131	2	exclusionary	exclusionary	ADJ
fbem-18174	131	3	trend	trend	NOUN
fbem-18174	131	4	in	in	ADP
fbem-18174	131	5	the	the	DET
fbem-18174	131	6	insurance	insurance	NOUN
fbem-18174	131	7	market	market	NOUN
fbem-18174	131	8	could	could	AUX
fbem-18174	131	9	inadvertently	inadvertently	ADV
fbem-18174	131	10	reinforce	reinforce	VERB
fbem-18174	131	11	the	the	DET
fbem-18174	131	12	lower	low	ADJ
fbem-18174	131	13	insurance	insurance	NOUN
fbem-18174	131	14	uptake	uptake	ADJ
fbem-18174	131	15	among	among	ADP
fbem-18174	131	16	the	the	DET
fbem-18174	131	17	elderly	elderly	ADJ
fbem-18174	131	18	.	.	PUNCT
fbem-18174	132	1	moreover	moreover	ADV
fbem-18174	132	2	,	,	PUNCT
fbem-18174	132	3	the	the	DET
fbem-18174	132	4	increasing	increase	VERB
fbem-18174	132	5	elderly	elderly	ADJ
fbem-18174	132	6	population	population	NOUN
fbem-18174	132	7	is	be	AUX
fbem-18174	132	8	paralleled	parallel	VERB
fbem-18174	132	9	by	by	ADP
fbem-18174	132	10	a	a	DET
fbem-18174	132	11	relative	relative	ADJ
fbem-18174	132	12	decrease	decrease	NOUN
fbem-18174	132	13	in	in	ADP
fbem-18174	132	14	the	the	DET
fbem-18174	132	15	labor	labor	NOUN
fbem-18174	132	16	force	force	NOUN
fbem-18174	132	17	,	,	PUNCT
fbem-18174	132	18	as	as	SCONJ
fbem-18174	132	19	evidenced	evidence	VERB
fbem-18174	132	20	by	by	ADP
fbem-18174	132	21	recent	recent	ADJ
fbem-18174	132	22	policy	policy	NOUN
fbem-18174	132	23	shifts	shift	NOUN
fbem-18174	132	24	like	like	ADP
fbem-18174	132	25	delayed	delay	VERB
fbem-18174	132	26	retirement	retirement	NOUN
fbem-18174	132	27	and	and	CCONJ
fbem-18174	132	28	changes	change	NOUN
fbem-18174	132	29	in	in	ADP
fbem-18174	132	30	maternity	maternity	NOUN
fbem-18174	132	31	policies	policy	NOUN
fbem-18174	132	32	.	.	PUNCT
fbem-18174	133	1	this	this	DET
fbem-18174	133	2	contraction	contraction	NOUN
fbem-18174	133	3	in	in	ADP
fbem-18174	133	4	the	the	DET
fbem-18174	133	5	labor	labor	NOUN
fbem-18174	133	6	force	force	NOUN
fbem-18174	133	7	could	could	AUX
fbem-18174	133	8	lead	lead	VERB
fbem-18174	133	9	to	to	ADP
fbem-18174	133	10	a	a	DET
fbem-18174	133	11	reduction	reduction	NOUN
fbem-18174	133	12	in	in	ADP
fbem-18174	133	13	the	the	DET
fbem-18174	133	14	overall	overall	ADJ
fbem-18174	133	15	creation	creation	NOUN
fbem-18174	133	16	of	of	ADP
fbem-18174	133	17	social	social	ADJ
fbem-18174	133	18	wealth	wealth	NOUN
fbem-18174	133	19	,	,	PUNCT
fbem-18174	133	20	subsequently	subsequently	ADV
fbem-18174	133	21	dampening	dampen	VERB
fbem-18174	133	22	the	the	DET
fbem-18174	133	23	general	general	ADJ
fbem-18174	133	24	propensity	propensity	NOUN
fbem-18174	133	25	to	to	PART
fbem-18174	133	26	invest	invest	VERB
fbem-18174	133	27	in	in	ADP
fbem-18174	133	28	personal	personal	ADJ
fbem-18174	133	29	insurance	insurance	NOUN
fbem-18174	133	30	.	.	PUNCT
fbem-18174	134	1	the	the	DET
fbem-18174	134	2	interplay	interplay	NOUN
fbem-18174	134	3	of	of	ADP
fbem-18174	134	4	these	these	DET
fbem-18174	134	5	factors	factor	NOUN
fbem-18174	134	6	–	–	PUNCT
fbem-18174	134	7	diminishing	diminish	VERB
fbem-18174	134	8	insurance	insurance	NOUN
fbem-18174	134	9	awareness	awareness	NOUN
fbem-18174	134	10	among	among	ADP
fbem-18174	134	11	the	the	DET
fbem-18174	134	12	elderly	elderly	ADJ
fbem-18174	134	13	,	,	PUNCT
fbem-18174	134	14	restrictive	restrictive	ADJ
fbem-18174	134	15	insurance	insurance	NOUN
fbem-18174	134	16	industry	industry	NOUN
fbem-18174	134	17	policies	policy	NOUN
fbem-18174	134	18	and	and	CCONJ
fbem-18174	134	19	a	a	DET
fbem-18174	134	20	shrinking	shrink	VERB
fbem-18174	134	21	labor	labor	NOUN
fbem-18174	134	22	force	force	NOUN
fbem-18174	134	23	–	–	PUNCT
fbem-18174	134	24	collectively	collectively	ADV
fbem-18174	134	25	shapes	shape	VERB
fbem-18174	134	26	the	the	DET
fbem-18174	134	27	dynamics	dynamic	NOUN
fbem-18174	134	28	of	of	ADP
fbem-18174	134	29	insurance	insurance	NOUN
fbem-18174	134	30	premium	premium	NOUN
fbem-18174	134	31	income	income	NOUN
fbem-18174	134	32	,	,	PUNCT
fbem-18174	134	33	underscoring	underscore	VERB
fbem-18174	134	34	the	the	DET
fbem-18174	134	35	complex	complex	ADJ
fbem-18174	134	36	relationship	relationship	NOUN
fbem-18174	134	37	between	between	ADP
fbem-18174	134	38	demographic	demographic	ADJ
fbem-18174	134	39	trends	trend	NOUN
fbem-18174	134	40	and	and	CCONJ
fbem-18174	134	41	market	market	NOUN
fbem-18174	134	42	behavior	behavior	NOUN
fbem-18174	134	43	in	in	ADP
fbem-18174	134	44	the	the	DET
fbem-18174	134	45	insurance	insurance	NOUN
fbem-18174	134	46	sector	sector	NOUN
fbem-18174	134	47	.	.	PUNCT
fbem-18174	135	1	the	the	DET
fbem-18174	135	2	negative	negative	ADJ
fbem-18174	135	3	relationship	relationship	NOUN
fbem-18174	135	4	between	between	ADP
fbem-18174	135	5	the	the	DET
fbem-18174	135	6	level	level	NOUN
fbem-18174	135	7	of	of	ADP
fbem-18174	135	8	education	education	NOUN
fbem-18174	135	9	ratio	ratio	NOUN
fbem-18174	135	10	and	and	CCONJ
fbem-18174	135	11	premium	premium	NOUN
fbem-18174	135	12	income	income	NOUN
fbem-18174	135	13	(	(	PUNCT
fbem-18174	135	14	coefficient	coefficient	NOUN
fbem-18174	135	15	of	of	ADP
fbem-18174	135	16	-0.180	-0.180	PROPN
fbem-18174	135	17	,	,	PUNCT
fbem-18174	135	18	p<0.01	p<0.01	PROPN
fbem-18174	135	19	)	)	PUNCT
fbem-18174	135	20	could	could	AUX
fbem-18174	135	21	be	be	AUX
fbem-18174	135	22	interpreted	interpret	VERB
fbem-18174	135	23	as	as	ADP
fbem-18174	135	24	a	a	DET
fbem-18174	135	25	reflection	reflection	NOUN
fbem-18174	135	26	of	of	ADP
fbem-18174	135	27	the	the	DET
fbem-18174	135	28	educated	educate	VERB
fbem-18174	135	29	population	population	NOUN
fbem-18174	135	30	's	's	PART
fbem-18174	135	31	nuanced	nuanced	ADJ
fbem-18174	135	32	approach	approach	NOUN
fbem-18174	135	33	to	to	ADP
fbem-18174	135	34	risk	risk	NOUN
fbem-18174	135	35	management	management	NOUN
fbem-18174	135	36	.	.	PUNCT
fbem-18174	136	1	higher	high	ADJ
fbem-18174	136	2	education	education	NOUN
fbem-18174	136	3	levels	level	NOUN
fbem-18174	136	4	might	might	AUX
fbem-18174	136	5	correlate	correlate	VERB
fbem-18174	136	6	with	with	ADP
fbem-18174	136	7	a	a	DET
fbem-18174	136	8	comprehensive	comprehensive	ADJ
fbem-18174	136	9	understanding	understanding	NOUN
fbem-18174	136	10	of	of	ADP
fbem-18174	136	11	risk	risk	NOUN
fbem-18174	136	12	and	and	CCONJ
fbem-18174	136	13	alternative	alternative	ADJ
fbem-18174	136	14	risk	risk	NOUN
fbem-18174	136	15	management	management	NOUN
fbem-18174	136	16	strategies	strategy	NOUN
fbem-18174	136	17	,	,	PUNCT
fbem-18174	136	18	leading	lead	VERB
fbem-18174	136	19	to	to	ADP
fbem-18174	136	20	a	a	DET
fbem-18174	136	21	decreased	decrease	VERB
fbem-18174	136	22	dependency	dependency	NOUN
fbem-18174	136	23	on	on	ADP
fbem-18174	136	24	traditional	traditional	ADJ
fbem-18174	136	25	insurance	insurance	NOUN
fbem-18174	136	26	products	product	NOUN
fbem-18174	136	27	.	.	PUNCT
fbem-18174	137	1	they	they	PRON
fbem-18174	137	2	may	may	AUX
fbem-18174	137	3	accumulate	accumulate	VERB
fbem-18174	137	4	wealth	wealth	NOUN
fbem-18174	137	5	through	through	ADP
fbem-18174	137	6	other	other	ADJ
fbem-18174	137	7	financial	financial	ADJ
fbem-18174	137	8	investment	investment	NOUN
fbem-18174	137	9	behaviors	behavior	NOUN
fbem-18174	137	10	with	with	ADP
fbem-18174	137	11	more	more	ADV
fbem-18174	137	12	significant	significant	ADJ
fbem-18174	137	13	benefits	benefit	NOUN
fbem-18174	137	14	.	.	PUNCT
fbem-18174	138	1	furthermore	furthermore	ADV
fbem-18174	138	2	,	,	PUNCT
fbem-18174	138	3	this	this	DET
fbem-18174	138	4	demographic	demographic	ADJ
fbem-18174	138	5	might	might	AUX
fbem-18174	138	6	exhibit	exhibit	VERB
fbem-18174	138	7	a	a	DET
fbem-18174	138	8	selective	selective	ADJ
fbem-18174	138	9	preference	preference	NOUN
fbem-18174	138	10	for	for	ADP
fbem-18174	138	11	insurance	insurance	NOUN
fbem-18174	138	12	products	product	NOUN
fbem-18174	138	13	,	,	PUNCT
fbem-18174	138	14	opting	opt	VERB
fbem-18174	138	15	for	for	ADP
fbem-18174	138	16	those	those	PRON
fbem-18174	138	17	offering	offer	VERB
fbem-18174	138	18	better	well	ADJ
fbem-18174	138	19	value	value	NOUN
fbem-18174	138	20	or	or	CCONJ
fbem-18174	138	21	aligning	align	VERB
fbem-18174	138	22	closely	closely	ADV
fbem-18174	138	23	with	with	ADP
fbem-18174	138	24	their	their	PRON
fbem-18174	138	25	specific	specific	ADJ
fbem-18174	138	26	needs	need	NOUN
fbem-18174	138	27	.	.	PUNCT
fbem-18174	139	1	the	the	DET
fbem-18174	139	2	regression	regression	NOUN
fbem-18174	139	3	model	model	NOUN
fbem-18174	139	4	’s	’s	PART
fbem-18174	139	5	robust	robust	ADJ
fbem-18174	139	6	r	r	NOUN
fbem-18174	139	7	-	-	PUNCT
fbem-18174	139	8	squared	square	VERB
fbem-18174	139	9	values	value	NOUN
fbem-18174	139	10	across	across	ADP
fbem-18174	139	11	different	different	ADJ
fbem-18174	139	12	measures	measure	NOUN
fbem-18174	139	13	indicate	indicate	VERB
fbem-18174	139	14	a	a	DET
fbem-18174	139	15	strong	strong	ADJ
fbem-18174	139	16	fit	fit	NOUN
fbem-18174	139	17	,	,	PUNCT
fbem-18174	139	18	capturing	capture	VERB
fbem-18174	139	19	the	the	DET
fbem-18174	139	20	variation	variation	NOUN
fbem-18174	139	21	in	in	ADP
fbem-18174	139	22	premium	premium	ADJ
fbem-18174	139	23	income	income	NOUN
fbem-18174	139	24	effectively	effectively	ADV
fbem-18174	139	25	across	across	ADP
fbem-18174	139	26	provinces	province	NOUN
fbem-18174	139	27	and	and	CCONJ
fbem-18174	139	28	over	over	ADP
fbem-18174	139	29	time	time	NOUN
fbem-18174	139	30	.	.	PUNCT
fbem-18174	140	1	the	the	DET
fbem-18174	140	2	significance	significance	NOUN
fbem-18174	140	3	of	of	ADP
fbem-18174	140	4	the	the	DET
fbem-18174	140	5	coefficients	coefficient	NOUN
fbem-18174	140	6	,	,	PUNCT
fbem-18174	140	7	along	along	ADP
fbem-18174	140	8	with	with	ADP
fbem-18174	140	9	their	their	PRON
fbem-18174	140	10	directions	direction	NOUN
fbem-18174	140	11	,	,	PUNCT
fbem-18174	140	12	paints	paint	VERB
fbem-18174	140	13	a	a	DET
fbem-18174	140	14	complex	complex	ADJ
fbem-18174	140	15	picture	picture	NOUN
fbem-18174	140	16	of	of	ADP
fbem-18174	140	17	the	the	DET
fbem-18174	140	18	socio	socio	NOUN
fbem-18174	140	19	-	-	PUNCT
fbem-18174	140	20	economic	economic	ADJ
fbem-18174	140	21	and	and	CCONJ
fbem-18174	140	22	demographic	demographic	ADJ
fbem-18174	140	23	factors	factor	NOUN
fbem-18174	140	24	influencing	influence	VERB
fbem-18174	140	25	the	the	DET
fbem-18174	140	26	insurance	insurance	NOUN
fbem-18174	140	27	sector	sector	NOUN
fbem-18174	140	28	.	.	PUNCT
fbem-18174	141	1	these	these	DET
fbem-18174	141	2	insights	insight	NOUN
fbem-18174	141	3	are	be	AUX
fbem-18174	141	4	crucial	crucial	ADJ
fbem-18174	141	5	for	for	ADP
fbem-18174	141	6	the	the	DET
fbem-18174	141	7	insurers	insurer	NOUN
fbem-18174	141	8	,	,	PUNCT
fbem-18174	141	9	offering	offer	VERB
fbem-18174	141	10	a	a	DET
fbem-18174	141	11	deeper	deep	ADJ
fbem-18174	141	12	understanding	understanding	NOUN
fbem-18174	141	13	of	of	ADP
fbem-18174	141	14	market	market	NOUN
fbem-18174	141	15	dynamics	dynamic	NOUN
fbem-18174	141	16	and	and	CCONJ
fbem-18174	141	17	guiding	guide	VERB
fbem-18174	141	18	strategic	strategic	ADJ
fbem-18174	141	19	decision	decision	NOUN
fbem-18174	141	20	-	-	PUNCT
fbem-18174	141	21	making	making	NOUN
fbem-18174	141	22	in	in	ADP
fbem-18174	141	23	product	product	NOUN
fbem-18174	141	24	offerings	offering	NOUN
fbem-18174	141	25	and	and	CCONJ
fbem-18174	141	26	market	market	NOUN
fbem-18174	141	27	engagement	engagement	NOUN
fbem-18174	141	28	.	.	PUNCT
fbem-18174	142	1	5	5	X
fbem-18174	142	2	.	.	X
fbem-18174	142	3	conclusion	conclusion	NOUN
fbem-18174	142	4	and	and	CCONJ
fbem-18174	142	5	discussion	discussion	NOUN
fbem-18174	142	6	this	this	DET
fbem-18174	142	7	essay	essay	NOUN
fbem-18174	142	8	analyzes	analyze	VERB
fbem-18174	142	9	the	the	DET
fbem-18174	142	10	impact	impact	NOUN
fbem-18174	142	11	of	of	ADP
fbem-18174	142	12	gross	gross	ADJ
fbem-18174	142	13	domestic	domestic	ADJ
fbem-18174	142	14	product	product	NOUN
fbem-18174	142	15	,	,	PUNCT
fbem-18174	142	16	social	social	ADJ
fbem-18174	142	17	welfare	welfare	NOUN
fbem-18174	142	18	,	,	PUNCT
fbem-18174	142	19	elderly	elderly	ADJ
fbem-18174	142	20	dependency	dependency	NOUN
fbem-18174	142	21	ratio	ratio	NOUN
fbem-18174	142	22	(	(	PUNCT
fbem-18174	142	23	edr	edr	PROPN
fbem-18174	142	24	)	)	PUNCT
fbem-18174	142	25	,	,	PUNCT
fbem-18174	142	26	per	per	ADP
fbem-18174	142	27	capita	capita	X
fbem-18174	142	28	disposable	disposable	ADJ
fbem-18174	142	29	income	income	NOUN
fbem-18174	142	30	,	,	PUNCT
fbem-18174	142	31	education	education	NOUN
fbem-18174	142	32	attainment	attainment	NOUN
fbem-18174	142	33	and	and	CCONJ
fbem-18174	142	34	health	health	NOUN
fbem-18174	142	35	expenditure	expenditure	NOUN
fbem-18174	142	36	on	on	ADP
fbem-18174	142	37	premium	premium	ADJ
fbem-18174	142	38	income	income	NOUN
fbem-18174	142	39	in	in	ADP
fbem-18174	142	40	china	china	PROPN
fbem-18174	142	41	's	's	PART
fbem-18174	142	42	31	31	NUM
fbem-18174	142	43	provincial	provincial	ADJ
fbem-18174	142	44	administrative	administrative	ADJ
fbem-18174	142	45	regions	region	NOUN
fbem-18174	142	46	from	from	ADP
fbem-18174	142	47	2016	2016	NUM
fbem-18174	142	48	to	to	ADP
fbem-18174	142	49	2021	2021	NUM
fbem-18174	142	50	.	.	PUNCT
fbem-18174	143	1	variance	variance	NOUN
fbem-18174	143	2	inflation	inflation	NOUN
fbem-18174	143	3	factor	factor	NOUN
fbem-18174	143	4	(	(	PUNCT
fbem-18174	143	5	vif	vif	NOUN
fbem-18174	143	6	)	)	PUNCT
fbem-18174	143	7	is	be	AUX
fbem-18174	143	8	used	use	VERB
fbem-18174	143	9	to	to	PART
fbem-18174	143	10	remove	remove	VERB
fbem-18174	143	11	he	he	PRON
fbem-18174	143	12	and	and	CCONJ
fbem-18174	143	13	gdp	gdp	NOUN
fbem-18174	143	14	to	to	PART
fbem-18174	143	15	minimize	minimize	VERB
fbem-18174	143	16	their	their	PRON
fbem-18174	143	17	impact	impact	NOUN
fbem-18174	143	18	on	on	ADP
fbem-18174	143	19	the	the	DET
fbem-18174	143	20	experiment	experiment	NOUN
fbem-18174	143	21	.	.	PUNCT
fbem-18174	144	1	since	since	SCONJ
fbem-18174	144	2	panel	panel	NOUN
fbem-18174	144	3	data	datum	NOUN
fbem-18174	144	4	was	be	AUX
fbem-18174	144	5	used	use	VERB
fbem-18174	144	6	,	,	PUNCT
fbem-18174	144	7	the	the	DET
fbem-18174	144	8	hausman	hausman	ADJ
fbem-18174	144	9	test	test	NOUN
fbem-18174	144	10	was	be	AUX
fbem-18174	144	11	applied	apply	VERB
fbem-18174	144	12	to	to	PART
fbem-18174	144	13	determine	determine	VERB
fbem-18174	144	14	the	the	DET
fbem-18174	144	15	use	use	NOUN
fbem-18174	144	16	of	of	ADP
fbem-18174	144	17	a	a	DET
fbem-18174	144	18	fixed	fix	VERB
fbem-18174	144	19	effects	effect	NOUN
fbem-18174	144	20	model	model	NOUN
fbem-18174	144	21	and	and	CCONJ
fbem-18174	144	22	the	the	DET
fbem-18174	144	23	lr	lr	PROPN
fbem-18174	144	24	test	test	NOUN
fbem-18174	144	25	confirmed	confirm	VERB
fbem-18174	144	26	the	the	DET
fbem-18174	144	27	optimal	optimal	ADJ
fbem-18174	144	28	solution	solution	NOUN
fbem-18174	144	29	as	as	ADP
fbem-18174	144	30	a	a	DET
fbem-18174	144	31	special	special	ADJ
fbem-18174	144	32	multivariate	multivariate	NOUN
fbem-18174	144	33	linear	linear	PROPN
fbem-18174	144	34	regression	regression	NOUN
fbem-18174	144	35	formed	form	VERB
fbem-18174	144	36	by	by	ADP
fbem-18174	144	37	a	a	DET
fbem-18174	144	38	double	double	ADJ
fbem-18174	144	39	fixed	fix	VERB
fbem-18174	144	40	model	model	NOUN
fbem-18174	144	41	.	.	PUNCT
fbem-18174	145	1	regression	regression	NOUN
fbem-18174	145	2	results	result	NOUN
fbem-18174	145	3	show	show	VERB
fbem-18174	145	4	that	that	SCONJ
fbem-18174	145	5	sw	sw	PROPN
fbem-18174	145	6	and	and	CCONJ
fbem-18174	145	7	pcdi	pcdi	NOUN
fbem-18174	145	8	have	have	VERB
fbem-18174	145	9	a	a	DET
fbem-18174	145	10	positive	positive	ADJ
fbem-18174	145	11	correlation	correlation	NOUN
fbem-18174	145	12	,	,	PUNCT
fbem-18174	145	13	which	which	PRON
fbem-18174	145	14	aligns	align	VERB
fbem-18174	145	15	with	with	ADP
fbem-18174	145	16	basic	basic	ADJ
fbem-18174	145	17	understanding	understanding	NOUN
fbem-18174	145	18	.	.	PUNCT
fbem-18174	146	1	however	however	ADV
fbem-18174	146	2	,	,	PUNCT
fbem-18174	146	3	the	the	DET
fbem-18174	146	4	coefficients	coefficient	NOUN
fbem-18174	146	5	for	for	ADP
fbem-18174	146	6	edr	edr	PROPN
fbem-18174	146	7	and	and	CCONJ
fbem-18174	146	8	ea	ea	NOUN
fbem-18174	146	9	are	be	AUX
fbem-18174	146	10	negative	negative	ADJ
fbem-18174	146	11	,	,	PUNCT
fbem-18174	146	12	possibly	possibly	ADV
fbem-18174	146	13	indicating	indicate	VERB
fbem-18174	146	14	that	that	SCONJ
fbem-18174	146	15	highly	highly	ADV
fbem-18174	146	16	educated	educate	VERB
fbem-18174	146	17	groups	group	NOUN
fbem-18174	146	18	and	and	CCONJ
fbem-18174	146	19	elderly	elderly	ADJ
fbem-18174	146	20	people	people	NOUN
fbem-18174	146	21	are	be	AUX
fbem-18174	146	22	less	less	ADV
fbem-18174	146	23	willing	willing	ADJ
fbem-18174	146	24	to	to	PART
fbem-18174	146	25	purchase	purchase	VERB
fbem-18174	146	26	insurance	insurance	NOUN
fbem-18174	146	27	.	.	PUNCT
fbem-18174	147	1	the	the	DET
fbem-18174	147	2	limitation	limitation	NOUN
fbem-18174	147	3	of	of	ADP
fbem-18174	147	4	our	our	PRON
fbem-18174	147	5	study	study	NOUN
fbem-18174	147	6	is	be	AUX
fbem-18174	147	7	associated	associate	VERB
fbem-18174	147	8	with	with	ADP
fbem-18174	147	9	variables	variable	NOUN
fbem-18174	147	10	.	.	PUNCT
fbem-18174	148	1	firstly	firstly	ADV
fbem-18174	148	2	,	,	PUNCT
fbem-18174	148	3	table	table	NOUN
fbem-18174	148	4	4	4	NUM
fbem-18174	148	5	and	and	CCONJ
fbem-18174	148	6	table	table	NOUN
fbem-18174	148	7	9	9	NUM
fbem-18174	148	8	show	show	NOUN
fbem-18174	148	9	that	that	SCONJ
fbem-18174	148	10	the	the	DET
fbem-18174	148	11	correlation	correlation	NOUN
fbem-18174	148	12	coefficients	coefficient	NOUN
fbem-18174	148	13	of	of	ADP
fbem-18174	148	14	edr	edr	PROPN
fbem-18174	148	15	,	,	PUNCT
fbem-18174	148	16	he	he	PRON
fbem-18174	148	17	with	with	ADP
fbem-18174	148	18	pi	pi	NOUN
fbem-18174	148	19	are	be	AUX
fbem-18174	148	20	positive	positive	ADJ
fbem-18174	148	21	,	,	PUNCT
fbem-18174	148	22	however	however	ADV
fbem-18174	148	23	,	,	PUNCT
fbem-18174	148	24	the	the	DET
fbem-18174	148	25	regression	regression	NOUN
fbem-18174	148	26	coefficients	coefficient	NOUN
fbem-18174	148	27	are	be	AUX
fbem-18174	148	28	indeed	indeed	ADV
fbem-18174	148	29	negative	negative	ADJ
fbem-18174	148	30	,	,	PUNCT
fbem-18174	148	31	respectively	respectively	ADV
fbem-18174	148	32	.	.	PUNCT
fbem-18174	149	1	thus	thus	ADV
fbem-18174	149	2	,	,	PUNCT
fbem-18174	149	3	it	it	PRON
fbem-18174	149	4	can	can	AUX
fbem-18174	149	5	not	not	PART
fbem-18174	149	6	be	be	AUX
fbem-18174	149	7	ruled	rule	VERB
fbem-18174	149	8	out	out	ADP
fbem-18174	149	9	the	the	DET
fbem-18174	149	10	possibility	possibility	NOUN
fbem-18174	149	11	that	that	SCONJ
fbem-18174	149	12	these	these	DET
fbem-18174	149	13	two	two	NUM
fbem-18174	149	14	variables	variable	NOUN
fbem-18174	149	15	may	may	AUX
fbem-18174	149	16	have	have	AUX
fbem-18174	149	17	a	a	DET
fbem-18174	149	18	non	non	ADJ
fbem-18174	149	19	-	-	ADJ
fbem-18174	149	20	linear	linear	ADJ
fbem-18174	149	21	relationship	relationship	NOUN
fbem-18174	149	22	with	with	ADP
fbem-18174	149	23	premium	premium	ADJ
fbem-18174	149	24	income	income	NOUN
fbem-18174	149	25	.	.	PUNCT
fbem-18174	150	1	moreover	moreover	ADV
fbem-18174	150	2	,	,	PUNCT
fbem-18174	150	3	this	this	DET
fbem-18174	150	4	study	study	NOUN
fbem-18174	150	5	only	only	ADV
fbem-18174	150	6	analyzed	analyze	VERB
fbem-18174	150	7	the	the	DET
fbem-18174	150	8	relationship	relationship	NOUN
fbem-18174	150	9	between	between	ADP
fbem-18174	150	10	six	six	NUM
fbem-18174	150	11	variables	variable	NOUN
fbem-18174	150	12	and	and	CCONJ
fbem-18174	150	13	premium	premium	ADJ
fbem-18174	150	14	income	income	NOUN
fbem-18174	150	15	.	.	PUNCT
fbem-18174	151	1	in	in	ADP
fbem-18174	151	2	the	the	DET
fbem-18174	151	3	future	future	NOUN
fbem-18174	151	4	,	,	PUNCT
fbem-18174	151	5	more	more	ADJ
fbem-18174	151	6	variables	variable	NOUN
fbem-18174	151	7	will	will	AUX
fbem-18174	151	8	be	be	AUX
fbem-18174	151	9	taken	take	VERB
fbem-18174	151	10	into	into	ADP
fbem-18174	151	11	consideration	consideration	NOUN
fbem-18174	151	12	,	,	PUNCT
fbem-18174	151	13	for	for	ADP
fbem-18174	151	14	instance	instance	NOUN
fbem-18174	151	15	,	,	PUNCT
fbem-18174	151	16	pricing	pricing	NOUN
fbem-18174	151	17	index	index	NOUN
fbem-18174	151	18	.	.	PUNCT
fbem-18174	152	1	the	the	DET
fbem-18174	152	2	statistical	statistical	ADJ
fbem-18174	152	3	insights	insight	NOUN
fbem-18174	152	4	from	from	ADP
fbem-18174	152	5	table	table	NOUN
fbem-18174	152	6	9	9	NUM
fbem-18174	152	7	provide	provide	VERB
fbem-18174	152	8	a	a	DET
fbem-18174	152	9	nuanced	nuanced	ADJ
fbem-18174	152	10	understanding	understanding	NOUN
fbem-18174	152	11	of	of	ADP
fbem-18174	152	12	the	the	DET
fbem-18174	152	13	factors	factor	NOUN
fbem-18174	152	14	influencing	influence	VERB
fbem-18174	152	15	personal	personal	ADJ
fbem-18174	152	16	premium	premium	NOUN
fbem-18174	152	17	income	income	NOUN
fbem-18174	152	18	in	in	ADP
fbem-18174	152	19	china	china	PROPN
fbem-18174	152	20	’s	’s	PART
fbem-18174	152	21	insurance	insurance	NOUN
fbem-18174	152	22	industry	industry	NOUN
fbem-18174	152	23	.	.	PUNCT
fbem-18174	153	1	the	the	DET
fbem-18174	153	2	positive	positive	ADJ
fbem-18174	153	3	correlation	correlation	NOUN
fbem-18174	153	4	of	of	ADP
fbem-18174	153	5	sw	sw	PROPN
fbem-18174	153	6	and	and	CCONJ
fbem-18174	153	7	pcdi	pcdi	VERB
fbem-18174	153	8	with	with	ADP
fbem-18174	153	9	pi	pi	NOUN
fbem-18174	153	10	underscores	underscore	VERB
fbem-18174	153	11	the	the	DET
fbem-18174	153	12	impact	impact	NOUN
fbem-18174	153	13	of	of	ADP
fbem-18174	153	14	economic	economic	ADJ
fbem-18174	153	15	well	well	NOUN
fbem-18174	153	16	-	-	PUNCT
fbem-18174	153	17	being	being	NOUN
fbem-18174	153	18	on	on	ADP
fbem-18174	153	19	insurance	insurance	NOUN
fbem-18174	153	20	uptake	uptake	ADJ
fbem-18174	153	21	.	.	PUNCT
fbem-18174	154	1	in	in	ADP
fbem-18174	154	2	addition	addition	NOUN
fbem-18174	154	3	,	,	PUNCT
fbem-18174	154	4	the	the	DET
fbem-18174	154	5	negative	negative	ADJ
fbem-18174	154	6	correlation	correlation	NOUN
fbem-18174	154	7	with	with	ADP
fbem-18174	154	8	edr	edr	PROPN
fbem-18174	154	9	and	and	CCONJ
fbem-18174	154	10	ea	ea	NOUN
fbem-18174	154	11	highlights	highlight	NOUN
fbem-18174	154	12	diverse	diverse	ADJ
fbem-18174	154	13	insurance	insurance	NOUN
fbem-18174	154	14	needs	need	VERB
fbem-18174	154	15	across	across	ADP
fbem-18174	154	16	demographics	demographic	NOUN
fbem-18174	154	17	.	.	PUNCT
fbem-18174	155	1	these	these	DET
fbem-18174	155	2	findings	finding	NOUN
fbem-18174	155	3	advocate	advocate	VERB
fbem-18174	155	4	for	for	ADP
fbem-18174	155	5	targeted	target	VERB
fbem-18174	155	6	policies	policy	NOUN
fbem-18174	155	7	and	and	CCONJ
fbem-18174	155	8	initiatives	initiative	NOUN
fbem-18174	155	9	to	to	PART
fbem-18174	155	10	bolster	bolster	VERB
fbem-18174	155	11	the	the	DET
fbem-18174	155	12	insurance	insurance	NOUN
fbem-18174	155	13	sector	sector	NOUN
fbem-18174	155	14	.	.	PUNCT
fbem-18174	156	1	from	from	ADP
fbem-18174	156	2	the	the	DET
fbem-18174	156	3	economic	economic	ADJ
fbem-18174	156	4	point	point	NOUN
fbem-18174	156	5	of	of	ADP
fbem-18174	156	6	view	view	NOUN
fbem-18174	156	7	,	,	PUNCT
fbem-18174	156	8	it	it	PRON
fbem-18174	156	9	is	be	AUX
fbem-18174	156	10	necessary	necessary	ADJ
fbem-18174	156	11	to	to	PART
fbem-18174	156	12	raise	raise	VERB
fbem-18174	156	13	the	the	DET
fbem-18174	156	14	level	level	NOUN
fbem-18174	156	15	of	of	ADP
fbem-18174	156	16	economic	economic	ADJ
fbem-18174	156	17	development	development	NOUN
fbem-18174	156	18	.	.	PUNCT
fbem-18174	157	1	since	since	SCONJ
fbem-18174	157	2	economic	economic	ADJ
fbem-18174	157	3	conditions	condition	NOUN
fbem-18174	157	4	are	be	AUX
fbem-18174	157	5	the	the	DET
fbem-18174	157	6	material	material	ADJ
fbem-18174	157	7	basis	basis	NOUN
fbem-18174	157	8	for	for	ADP
fbem-18174	157	9	insurance	insurance	NOUN
fbem-18174	157	10	,	,	PUNCT
fbem-18174	157	11	an	an	DET
fbem-18174	157	12	increase	increase	NOUN
fbem-18174	157	13	in	in	ADP
fbem-18174	157	14	the	the	DET
fbem-18174	157	15	per	per	ADP
fbem-18174	157	16	capita	capita	X
fbem-18174	157	17	disposable	disposable	ADJ
fbem-18174	157	18	income	income	NOUN
fbem-18174	157	19	helps	help	VERB
fbem-18174	157	20	to	to	PART
fbem-18174	157	21	directly	directly	ADV
fbem-18174	157	22	enhance	enhance	VERB
fbem-18174	157	23	people	people	NOUN
fbem-18174	157	24	’s	’s	PART
fbem-18174	157	25	ability	ability	NOUN
fbem-18174	157	26	to	to	PART
fbem-18174	157	27	purchase	purchase	VERB
fbem-18174	157	28	insurance	insurance	NOUN
fbem-18174	157	29	,	,	PUNCT
fbem-18174	157	30	thus	thus	ADV
fbem-18174	157	31	expanding	expand	VERB
fbem-18174	157	32	the	the	DET
fbem-18174	157	33	insurance	insurance	NOUN
fbem-18174	157	34	market	market	NOUN
fbem-18174	157	35	.	.	PUNCT
fbem-18174	158	1	at	at	ADP
fbem-18174	158	2	the	the	DET
fbem-18174	158	3	level	level	NOUN
fbem-18174	158	4	of	of	ADP
fbem-18174	158	5	cultural	cultural	ADJ
fbem-18174	158	6	perspective	perspective	NOUN
fbem-18174	158	7	,	,	PUNCT
fbem-18174	158	8	there	there	PRON
fbem-18174	158	9	is	be	VERB
fbem-18174	158	10	a	a	DET
fbem-18174	158	11	need	need	NOUN
fbem-18174	158	12	to	to	PART
fbem-18174	158	13	raise	raise	VERB
fbem-18174	158	14	people	people	NOUN
fbem-18174	158	15	’s	’s	PART
fbem-18174	158	16	awareness	awareness	NOUN
fbem-18174	158	17	of	of	ADP
fbem-18174	158	18	insurance	insurance	NOUN
fbem-18174	158	19	.	.	PUNCT
fbem-18174	159	1	to	to	ADP
fbem-18174	159	2	the	the	DET
fbem-18174	159	3	population	population	NOUN
fbem-18174	159	4	,	,	PUNCT
fbem-18174	159	5	especially	especially	ADV
fbem-18174	159	6	the	the	DET
fbem-18174	159	7	elderly	elderly	ADJ
fbem-18174	159	8	,	,	PUNCT
fbem-18174	159	9	an	an	DET
fbem-18174	159	10	attempt	attempt	NOUN
fbem-18174	159	11	is	be	AUX
fbem-18174	159	12	made	make	VERB
fbem-18174	159	13	to	to	PART
fbem-18174	159	14	improve	improve	VERB
fbem-18174	159	15	their	their	PRON
fbem-18174	159	16	perception	perception	NOUN
fbem-18174	159	17	of	of	ADP
fbem-18174	159	18	insurance	insurance	NOUN
fbem-18174	159	19	by	by	ADP
fbem-18174	159	20	stressing	stress	VERB
fbem-18174	159	21	the	the	DET
fbem-18174	159	22	importance	importance	NOUN
fbem-18174	159	23	of	of	ADP
fbem-18174	159	24	insurance	insurance	NOUN
fbem-18174	159	25	,	,	PUNCT
fbem-18174	159	26	which	which	PRON
fbem-18174	159	27	encompasses	encompass	VERB
fbem-18174	159	28	both	both	DET
fbem-18174	159	29	protection	protection	NOUN
fbem-18174	159	30	and	and	CCONJ
fbem-18174	159	31	investment	investment	NOUN
fbem-18174	159	32	functions	function	NOUN
fbem-18174	159	33	.	.	PUNCT
fbem-18174	160	1	finally	finally	ADV
fbem-18174	160	2	,	,	PUNCT
fbem-18174	160	3	product	product	NOUN
fbem-18174	160	4	innovations	innovation	NOUN
fbem-18174	160	5	should	should	AUX
fbem-18174	160	6	be	be	AUX
fbem-18174	160	7	made	make	VERB
fbem-18174	160	8	from	from	ADP
fbem-18174	160	9	the	the	DET
fbem-18174	160	10	perspective	perspective	NOUN
fbem-18174	160	11	of	of	ADP
fbem-18174	160	12	insurance	insurance	NOUN
fbem-18174	160	13	companies	company	NOUN
fbem-18174	160	14	.	.	PUNCT
fbem-18174	161	1	for	for	ADP
fbem-18174	161	2	the	the	DET
fbem-18174	161	3	elderly	elderly	ADJ
fbem-18174	161	4	,	,	PUNCT
fbem-18174	161	5	restrictions	restriction	NOUN
fbem-18174	161	6	on	on	ADP
fbem-18174	161	7	the	the	DET
fbem-18174	161	8	purchase	purchase	NOUN
fbem-18174	161	9	of	of	ADP
fbem-18174	161	10	life	life	NOUN
fbem-18174	161	11	insurance	insurance	NOUN
fbem-18174	161	12	can	can	AUX
fbem-18174	161	13	be	be	AUX
fbem-18174	161	14	appropriately	appropriately	ADV
fbem-18174	161	15	reduced	reduce	VERB
fbem-18174	161	16	due	due	ADJ
fbem-18174	161	17	to	to	ADP
fbem-18174	161	18	improved	improve	VERB
fbem-18174	161	19	health	health	NOUN
fbem-18174	161	20	conditions	condition	NOUN
fbem-18174	161	21	.	.	PUNCT
fbem-18174	162	1	at	at	ADP
fbem-18174	162	2	the	the	DET
fbem-18174	162	3	same	same	ADJ
fbem-18174	162	4	time	time	NOUN
fbem-18174	162	5	,	,	PUNCT
fbem-18174	162	6	broaden	broaden	VERB
fbem-18174	162	7	the	the	DET
fbem-18174	162	8	channels	channel	NOUN
fbem-18174	162	9	for	for	SCONJ
fbem-18174	162	10	them	they	PRON
fbem-18174	162	11	to	to	PART
fbem-18174	162	12	buy	buy	VERB
fbem-18174	162	13	insurance	insurance	NOUN
fbem-18174	162	14	.	.	PUNCT
fbem-18174	163	1	for	for	ADP
fbem-18174	163	2	some	some	DET
fbem-18174	163	3	highly	highly	ADV
fbem-18174	163	4	educated	educate	VERB
fbem-18174	163	5	people	people	NOUN
fbem-18174	163	6	,	,	PUNCT
fbem-18174	163	7	it	it	PRON
fbem-18174	163	8	is	be	AUX
fbem-18174	163	9	possible	possible	ADJ
fbem-18174	163	10	to	to	PART
fbem-18174	163	11	tailor	tailor	VERB
fbem-18174	163	12	several	several	ADJ
fbem-18174	163	13	flexible	flexible	ADJ
fbem-18174	163	14	new	new	ADJ
fbem-18174	163	15	insurances	insurance	NOUN
fbem-18174	163	16	that	that	PRON
fbem-18174	163	17	combine	combine	VERB
fbem-18174	163	18	the	the	DET
fbem-18174	163	19	functions	function	NOUN
fbem-18174	163	20	of	of	ADP
fbem-18174	163	21	efficient	efficient	ADJ
fbem-18174	163	22	investment	investment	NOUN
fbem-18174	163	23	.	.	PUNCT
fbem-18174	164	1	154	154	NUM
fbem-18174	164	2	references	reference	NOUN
fbem-18174	164	3	[	[	X
fbem-18174	164	4	1	1	NUM
fbem-18174	164	5	]	]	PUNCT
fbem-18174	164	6	alif	alif	PROPN
fbem-18174	164	7	,	,	PUNCT
fbem-18174	164	8	r.a	r.a	PROPN
fbem-18174	164	9	.	.	PROPN
fbem-18174	164	10	(	(	PUNCT
fbem-18174	164	11	2022	2022	NUM
fbem-18174	164	12	)	)	PUNCT
fbem-18174	164	13	‘	'	PUNCT
fbem-18174	164	14	analysis	analysis	NOUN
fbem-18174	164	15	of	of	ADP
fbem-18174	164	16	premium	premium	ADJ
fbem-18174	164	17	income	income	NOUN
fbem-18174	164	18	and	and	CCONJ
fbem-18174	164	19	claim	claim	VERB
fbem-18174	164	20	expenses	expense	NOUN
fbem-18174	164	21	on	on	ADP
fbem-18174	164	22	risk	risk	NOUN
fbem-18174	164	23	based	base	VERB
fbem-18174	164	24	capital	capital	NOUN
fbem-18174	164	25	and	and	CCONJ
fbem-18174	164	26	profit	profit	NOUN
fbem-18174	164	27	of	of	ADP
fbem-18174	164	28	life	life	NOUN
fbem-18174	164	29	insurance	insurance	NOUN
fbem-18174	164	30	companies	company	NOUN
fbem-18174	164	31	in	in	ADP
fbem-18174	164	32	indonesia	indonesia	PROPN
fbem-18174	164	33	for	for	ADP
fbem-18174	164	34	the	the	DET
fbem-18174	164	35	2016	2016	NUM
fbem-18174	164	36	-	-	PUNCT
fbem-18174	164	37	2020	2020	NUM
fbem-18174	164	38	period	period	NOUN
fbem-18174	164	39	’	'	PUNCT
fbem-18174	164	40	,	,	PUNCT
fbem-18174	164	41	dinasti	dinasti	PROPN
fbem-18174	164	42	international	international	PROPN
fbem-18174	164	43	journal	journal	PROPN
fbem-18174	164	44	of	of	ADP
fbem-18174	164	45	management	management	NOUN
fbem-18174	164	46	science	science	NOUN
fbem-18174	164	47	,	,	PUNCT
fbem-18174	164	48	4(2	4(2	NUM
fbem-18174	164	49	)	)	PUNCT
fbem-18174	164	50	,	,	PUNCT
fbem-18174	164	51	pp.209220	pp.209220	PROPN
fbem-18174	164	52	.	.	PUNCT
fbem-18174	164	53	doi	doi	NOUN
fbem-18174	164	54	:	:	PUNCT
fbem-18174	164	55	10.31933	10.31933	NUM
fbem-18174	164	56	/	/	SYM
fbem-18174	164	57	dijms.v4i2.1493	dijms.v4i2.1493	NUM
fbem-18174	164	58	[	[	X
fbem-18174	164	59	2	2	NUM
fbem-18174	164	60	]	]	PUNCT
fbem-18174	164	61	arena	arena	NOUN
fbem-18174	164	62	,	,	PUNCT
fbem-18174	164	63	m.	m.	NOUN
fbem-18174	164	64	(	(	PUNCT
fbem-18174	164	65	2008	2008	NUM
fbem-18174	164	66	)	)	PUNCT
fbem-18174	164	67	‘	'	PUNCT
fbem-18174	164	68	does	do	AUX
fbem-18174	164	69	insurance	insurance	NOUN
fbem-18174	164	70	market	market	NOUN
fbem-18174	164	71	activity	activity	NOUN
fbem-18174	164	72	promote	promote	VERB
fbem-18174	164	73	economic	economic	ADJ
fbem-18174	164	74	growth	growth	NOUN
fbem-18174	164	75	?	?	PUNCT
fbem-18174	165	1	a	a	DET
fbem-18174	165	2	cross	cross	ADJ
fbem-18174	165	3	-	-	ADJ
fbem-18174	165	4	country	country	ADJ
fbem-18174	165	5	study	study	NOUN
fbem-18174	165	6	for	for	ADP
fbem-18174	165	7	industrialized	industrialized	ADJ
fbem-18174	165	8	and	and	CCONJ
fbem-18174	165	9	developing	develop	VERB
fbem-18174	165	10	countries	country	NOUN
fbem-18174	165	11	’	'	PUNCT
fbem-18174	165	12	,	,	PUNCT
fbem-18174	165	13	journal	journal	NOUN
fbem-18174	165	14	of	of	ADP
fbem-18174	165	15	risk	risk	NOUN
fbem-18174	165	16	and	and	CCONJ
fbem-18174	165	17	insurance	insurance	NOUN
fbem-18174	165	18	,	,	PUNCT
fbem-18174	165	19	75(4	75(4	NOUN
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fbem-18174	168	3	]	]	X
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fbem-18174	168	8	(	(	PUNCT
fbem-18174	168	9	2022	2022	NUM
fbem-18174	168	10	)	)	PUNCT
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fbem-18174	168	14	impact	impact	NOUN
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fbem-18174	168	17	aging	age	VERB
fbem-18174	168	18	on	on	ADP
fbem-18174	168	19	the	the	DET
fbem-18174	168	20	premium	premium	ADJ
fbem-18174	168	21	income	income	NOUN
fbem-18174	168	22	of	of	ADP
fbem-18174	168	23	commercial	commercial	ADJ
fbem-18174	168	24	health	health	NOUN
fbem-18174	168	25	insurance	insurance	NOUN
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fbem-18174	169	3	.	.	PUNCT
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fbem-18174	170	4	finance	finance	NOUN
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fbem-18174	170	6	economics	economic	NOUN
fbem-18174	170	7	.	.	PUNCT
fbem-18174	171	1	available	available	ADJ
fbem-18174	171	2	at	at	ADP
fbem-18174	171	3	:	:	PUNCT
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fbem-18174	171	10	:	:	PUNCT
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fbem-18174	171	13	2023	2023	NUM
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fbem-18174	171	15	.	.	PUNCT
fbem-18174	172	1	[	[	X
fbem-18174	172	2	4	4	NUM
fbem-18174	172	3	]	]	X
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fbem-18174	172	5	,	,	PUNCT
fbem-18174	172	6	s.y	s.y	PROPN
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fbem-18174	172	10	,	,	PUNCT
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fbem-18174	172	12	(	(	PUNCT
fbem-18174	172	13	2022	2022	NUM
fbem-18174	172	14	)	)	PUNCT
fbem-18174	172	15	‘	'	PUNCT
fbem-18174	172	16	financial	financial	ADJ
fbem-18174	172	17	development	development	NOUN
fbem-18174	172	18	,	,	PUNCT
fbem-18174	172	19	life	life	NOUN
fbem-18174	172	20	insurance	insurance	NOUN
fbem-18174	172	21	and	and	CCONJ
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fbem-18174	172	23	:	:	PUNCT
fbem-18174	172	24	evidence	evidence	NOUN
fbem-18174	172	25	from	from	ADP
fbem-18174	172	26	17	17	NUM
fbem-18174	172	27	european	european	ADJ
fbem-18174	172	28	countries	country	NOUN
fbem-18174	172	29	’	'	PUNCT
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fbem-18174	172	31	the	the	DET
fbem-18174	172	32	geneva	geneva	PROPN
fbem-18174	172	33	papers	paper	NOUN
fbem-18174	172	34	on	on	ADP
fbem-18174	172	35	risk	risk	NOUN
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fbem-18174	172	40	,	,	PUNCT
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fbem-18174	172	42	,	,	PUNCT
fbem-18174	172	43	pp	pp	ADJ
fbem-18174	172	44	.	.	PUNCT
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fbem-18174	172	46	-	-	SYM
fbem-18174	172	47	860	860	NUM
fbem-18174	172	48	.	.	PUNCT
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fbem-18174	172	50	at	at	ADP
fbem-18174	172	51	:	:	PUNCT
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fbem-18174	172	53	(	(	PUNCT
fbem-18174	172	54	accessed	access	VERB
fbem-18174	172	55	:	:	PUNCT
fbem-18174	172	56	21	21	NUM
fbem-18174	172	57	november	november	PROPN
fbem-18174	172	58	2023	2023	NUM
fbem-18174	172	59	)	)	PUNCT
fbem-18174	172	60	.	.	PUNCT
fbem-18174	173	1	[	[	X
fbem-18174	173	2	5	5	NUM
fbem-18174	173	3	]	]	X
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fbem-18174	173	5	,	,	PUNCT
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fbem-18174	173	9	,	,	PUNCT
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fbem-18174	173	11	(	(	PUNCT
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fbem-18174	173	13	)	)	PUNCT
fbem-18174	173	14	‘	'	PUNCT
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fbem-18174	173	16	and	and	CCONJ
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fbem-18174	173	20	’	'	PUNCT
fbem-18174	173	21	,	,	PUNCT
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fbem-18174	173	27	,	,	PUNCT
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fbem-18174	173	33	at	at	ADP
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fbem-18174	173	36	(	(	PUNCT
fbem-18174	173	37	accessed	access	VERB
fbem-18174	173	38	:	:	PUNCT
fbem-18174	173	39	21	21	NUM
fbem-18174	173	40	november	november	PROPN
fbem-18174	173	41	2023	2023	NUM
fbem-18174	173	42	)	)	PUNCT
fbem-18174	173	43	.	.	PUNCT
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fbem-18174	174	2	6	6	NUM
fbem-18174	174	3	]	]	PUNCT
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fbem-18174	174	5	,	,	PUNCT
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fbem-18174	174	9	)	)	PUNCT
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fbem-18174	174	19	life	life	NOUN
fbem-18174	174	20	insurance	insurance	NOUN
fbem-18174	174	21	premium	premium	NOUN
fbem-18174	174	22	income	income	NOUN
fbem-18174	174	23	’	'	PUNCT
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fbem-18174	174	30	,	,	PUNCT
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fbem-18174	175	2	-	-	SYM
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fbem-18174	175	4	.	.	PUNCT
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fbem-18174	176	2	:	:	PUNCT
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fbem-18174	177	20	‘	'	PUNCT
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fbem-18174	177	36	the	the	DET
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fbem-18174	181	4	‘	'	PUNCT
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fbem-18174	182	2	-	-	SYM
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fbem-18174	185	9	:	:	PUNCT
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fbem-18174	187	3	)	)	PUNCT
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fbem-18174	188	7	:	:	PUNCT
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fbem-18174	189	46	.	.	PUNCT
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fbem-18174	191	7	:	:	PUNCT
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fbem-18174	191	10	2023	2023	NUM
fbem-18174	191	11	)	)	PUNCT
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fbem-18174	192	3	]	]	X
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fbem-18174	192	5	,	,	PUNCT
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fbem-18174	192	9	,	,	PUNCT
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fbem-18174	192	12	singhal	singhal	PROPN
fbem-18174	192	13	,	,	PUNCT
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fbem-18174	192	15	(	(	PUNCT
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fbem-18174	192	17	)	)	PUNCT
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fbem-18174	192	42	,	,	PUNCT
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fbem-18174	192	44	)	)	PUNCT
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fbem-18174	192	47	.	.	PUNCT
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fbem-18174	193	2	-	-	SYM
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fbem-18174	193	4	.	.	PUNCT
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fbem-18174	193	6	:	:	PUNCT
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fbem-18174	194	5	,	,	PUNCT
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fbem-18174	194	17	’	'	PUNCT
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fbem-18174	194	22	,	,	PUNCT
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fbem-18174	194	24	)	)	PUNCT
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fbem-18174	194	27	.	.	PUNCT
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fbem-18174	195	2	-	-	SYM
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fbem-18174	195	6	at	at	ADP
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fbem-18174	195	11	:	:	PUNCT
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fbem-18174	196	37	.	.	PUNCT
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fbem-18174	197	2	-	-	SYM
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fbem-18174	197	4	.	.	PUNCT
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fbem-18174	197	8	/	/	SYM
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fbem-18174	198	37	.	.	PUNCT
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fbem-18174	199	2	-	-	SYM
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fbem-18174	199	4	.	.	PUNCT
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fbem-18174	199	6	:	:	PUNCT
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fbem-18174	201	4	.	.	PUNCT
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fbem-18174	202	2	:	:	PUNCT
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