id	sid	tid	token	lemma	pos
hassl-4534	1	1	1584	1584	NUM
hassl-4534	1	2	©	©	PROPN
hassl-4534	1	3	2025	2025	NUM
hassl-4534	1	4	conscientia	conscientia	PROPN
hassl-4534	1	5	beam	beam	PROPN
hassl-4534	1	6	.	.	PUNCT
hassl-4534	2	1	all	all	DET
hassl-4534	2	2	rights	right	NOUN
hassl-4534	2	3	reserved	reserve	VERB
hassl-4534	2	4	.	.	PUNCT
hassl-4534	3	1	do	do	AUX
hassl-4534	3	2	natural	natural	ADJ
hassl-4534	3	3	disasters	disaster	NOUN
hassl-4534	3	4	affect	affect	VERB
hassl-4534	3	5	credit	credit	NOUN
hassl-4534	3	6	risk	risk	NOUN
hassl-4534	3	7	?	?	PUNCT
hassl-4534	4	1	evidence	evidence	NOUN
hassl-4534	4	2	from	from	ADP
hassl-4534	4	3	global	global	ADJ
hassl-4534	4	4	banks	bank	NOUN
hassl-4534	4	5	citra	citra	PROPN
hassl-4534	4	6	sukmadilaga1	sukmadilaga1	PROPN
hassl-4534	4	7	+	+	CCONJ
hassl-4534	4	8	srihadi	srihadi	NOUN
hassl-4534	4	9	winarningsih2	winarningsih2	PROPN
hassl-4534	4	10	ivan	ivan	PROPN
hassl-4534	4	11	yudianto3	yudianto3	PROPN
hassl-4534	4	12	rayenda	rayenda	NOUN
hassl-4534	4	13	kreshna	kreshna	VERB
hassl-4534	4	14	brahmana4	brahmana4	PROPN
hassl-4534	4	15	muhamad	muhamad	PROPN
hassl-4534	4	16	andri	andri	PROPN
hassl-4534	4	17	arif	arif	PROPN
hassl-4534	4	18	pramanda5	pramanda5	PROPN
hassl-4534	4	19	1,2,3,5faculty	1,2,3,5faculty	NUM
hassl-4534	4	20	of	of	ADP
hassl-4534	4	21	economics	economic	NOUN
hassl-4534	4	22	and	and	CCONJ
hassl-4534	4	23	business	business	NOUN
hassl-4534	4	24	,	,	PUNCT
hassl-4534	4	25	universitas	universita	NOUN
hassl-4534	4	26	padjadjaran	padjadjaran	NOUN
hassl-4534	4	27	,	,	PUNCT
hassl-4534	4	28	indonesia	indonesia	PROPN
hassl-4534	4	29	.	.	PUNCT
hassl-4534	5	1	1email	1email	NUM
hassl-4534	5	2	:	:	PUNCT
hassl-4534	5	3	citra.sukmadilaga@unpad.ac.id	citra.sukmadilaga@unpad.ac.id	NUM
hassl-4534	5	4	2email	2email	NUM
hassl-4534	5	5	:	:	PUNCT
hassl-4534	5	6	srihadi.winarningsih@unpad.ac.id	srihadi.winarningsih@unpad.ac.id	NUM
hassl-4534	5	7	3email	3email	NUM
hassl-4534	5	8	:	:	PUNCT
hassl-4534	5	9	ivan.yudianto@unpad.ac.id	ivan.yudianto@unpad.ac.id	NUM
hassl-4534	5	10	5email	5email	NUM
hassl-4534	5	11	:	:	PUNCT
hassl-4534	5	12	andryarf1998@gmail.com	andryarf1998@gmail.com	X
hassl-4534	6	1	4school	4school	NUM
hassl-4534	6	2	of	of	ADP
hassl-4534	6	3	economics	economic	NOUN
hassl-4534	6	4	,	,	PUNCT
hassl-4534	6	5	finance	finance	NOUN
hassl-4534	6	6	and	and	CCONJ
hassl-4534	6	7	accounting	accounting	NOUN
hassl-4534	6	8	,	,	PUNCT
hassl-4534	6	9	coventry	coventry	PROPN
hassl-4534	6	10	university	university	PROPN
hassl-4534	6	11	,	,	PUNCT
hassl-4534	6	12	united	united	ADJ
hassl-4534	6	13	kingdom	kingdom	PROPN
hassl-4534	6	14	.	.	PUNCT
hassl-4534	7	1	4email	4email	X
hassl-4534	7	2	:	:	PUNCT
hassl-4534	7	3	raye_brahm@yahoo.com	raye_brahm@yahoo.com	NOUN
hassl-4534	7	4	(	(	PUNCT
hassl-4534	7	5	+	+	CCONJ
hassl-4534	7	6	corresponding	correspond	VERB
hassl-4534	7	7	author	author	NOUN
hassl-4534	7	8	)	)	PUNCT
hassl-4534	7	9	abstract	abstract	ADJ
hassl-4534	7	10	article	article	NOUN
hassl-4534	7	11	history	history	NOUN
hassl-4534	7	12	received	receive	VERB
hassl-4534	7	13	:	:	PUNCT
hassl-4534	7	14	15	15	NUM
hassl-4534	7	15	august	august	PROPN
hassl-4534	7	16	2024	2024	NUM
hassl-4534	7	17	revised	revise	VERB
hassl-4534	7	18	:	:	PUNCT
hassl-4534	7	19	27	27	NUM
hassl-4534	7	20	august	august	PROPN
hassl-4534	7	21	2025	2025	NUM
hassl-4534	7	22	accepted	accept	VERB
hassl-4534	7	23	:	:	PUNCT
hassl-4534	7	24	9	9	NUM
hassl-4534	7	25	october	october	NOUN
hassl-4534	7	26	2025	2025	NUM
hassl-4534	7	27	published	publish	VERB
hassl-4534	7	28	:	:	PUNCT
hassl-4534	7	29	11	11	NUM
hassl-4534	7	30	november	november	NOUN
hassl-4534	7	31	2025	2025	NUM
hassl-4534	7	32	keywords	keyword	VERB
hassl-4534	7	33	banks	bank	NOUN
hassl-4534	7	34	credit	credit	NOUN
hassl-4534	7	35	risk	risk	NOUN
hassl-4534	7	36	global	global	ADJ
hassl-4534	7	37	banks	bank	NOUN
hassl-4534	7	38	natural	natural	ADJ
hassl-4534	7	39	disaster	disaster	NOUN
hassl-4534	7	40	.	.	PUNCT
hassl-4534	8	1	this	this	DET
hassl-4534	8	2	study	study	NOUN
hassl-4534	8	3	examines	examine	VERB
hassl-4534	8	4	how	how	SCONJ
hassl-4534	8	5	natural	natural	ADJ
hassl-4534	8	6	disasters	disaster	NOUN
hassl-4534	8	7	affect	affect	VERB
hassl-4534	8	8	banks	bank	NOUN
hassl-4534	8	9	'	'	PART
hassl-4534	8	10	global	global	ADJ
hassl-4534	8	11	credit	credit	NOUN
hassl-4534	8	12	risk	risk	NOUN
hassl-4534	8	13	.	.	PUNCT
hassl-4534	9	1	this	this	DET
hassl-4534	9	2	study	study	NOUN
hassl-4534	9	3	measures	measure	VERB
hassl-4534	9	4	the	the	DET
hassl-4534	9	5	number	number	NOUN
hassl-4534	9	6	of	of	ADP
hassl-4534	9	7	people	people	NOUN
hassl-4534	9	8	killed	kill	VERB
hassl-4534	9	9	,	,	PUNCT
hassl-4534	9	10	houses	house	NOUN
hassl-4534	9	11	destroyed	destroy	VERB
hassl-4534	9	12	,	,	PUNCT
hassl-4534	9	13	and	and	CCONJ
hassl-4534	9	14	dwellings	dwelling	NOUN
hassl-4534	9	15	damaged	damage	VERB
hassl-4534	9	16	by	by	ADP
hassl-4534	9	17	natural	natural	ADJ
hassl-4534	9	18	disasters	disaster	NOUN
hassl-4534	9	19	while	while	SCONJ
hassl-4534	9	20	non	non	ADJ
hassl-4534	9	21	-	-	ADJ
hassl-4534	9	22	performing	perform	VERB
hassl-4534	9	23	loan	loan	NOUN
hassl-4534	9	24	ratios	ratio	NOUN
hassl-4534	9	25	measure	measure	VERB
hassl-4534	9	26	credit	credit	NOUN
hassl-4534	9	27	risk	risk	NOUN
hassl-4534	9	28	.	.	PUNCT
hassl-4534	10	1	this	this	DET
hassl-4534	10	2	study	study	NOUN
hassl-4534	10	3	employed	employ	VERB
hassl-4534	10	4	pols	pol	NOUN
hassl-4534	10	5	,	,	PUNCT
hassl-4534	10	6	white	white	ADJ
hassl-4534	10	7	heteroscedastic	heteroscedastic	ADJ
hassl-4534	10	8	-	-	PUNCT
hassl-4534	10	9	robust	robust	ADJ
hassl-4534	10	10	and	and	CCONJ
hassl-4534	10	11	double	double	ADJ
hassl-4534	10	12	-	-	PUNCT
hassl-4534	10	13	clustered	clustered	ADJ
hassl-4534	10	14	standard	standard	ADJ
hassl-4534	10	15	errors	error	NOUN
hassl-4534	10	16	to	to	PART
hassl-4534	10	17	demonstrate	demonstrate	VERB
hassl-4534	10	18	the	the	DET
hassl-4534	10	19	relationship	relationship	NOUN
hassl-4534	10	20	between	between	ADP
hassl-4534	10	21	the	the	DET
hassl-4534	10	22	variables	variable	NOUN
hassl-4534	10	23	for	for	ADP
hassl-4534	10	24	each	each	DET
hassl-4534	10	25	measure	measure	NOUN
hassl-4534	10	26	using	use	VERB
hassl-4534	10	27	data	datum	NOUN
hassl-4534	10	28	from	from	ADP
hassl-4534	10	29	485	485	NUM
hassl-4534	10	30	global	global	ADJ
hassl-4534	10	31	banking	banking	NOUN
hassl-4534	10	32	companies	company	NOUN
hassl-4534	10	33	from	from	ADP
hassl-4534	10	34	2018	2018	NUM
hassl-4534	10	35	to	to	ADP
hassl-4534	10	36	2022	2022	NUM
hassl-4534	10	37	.	.	PUNCT
hassl-4534	11	1	this	this	DET
hassl-4534	11	2	study	study	NOUN
hassl-4534	11	3	then	then	ADV
hassl-4534	11	4	used	use	VERB
hassl-4534	11	5	a	a	DET
hassl-4534	11	6	two	two	NUM
hassl-4534	11	7	-	-	PUNCT
hassl-4534	11	8	stage	stage	NOUN
hassl-4534	11	9	gmm	gmm	NOUN
hassl-4534	11	10	for	for	ADP
hassl-4534	11	11	the	the	DET
hassl-4534	11	12	endogeneity	endogeneity	NOUN
hassl-4534	11	13	result	result	NOUN
hassl-4534	11	14	to	to	PART
hassl-4534	11	15	confirm	confirm	VERB
hassl-4534	11	16	a	a	DET
hassl-4534	11	17	causal	causal	ADJ
hassl-4534	11	18	relationship	relationship	NOUN
hassl-4534	11	19	between	between	ADP
hassl-4534	11	20	natural	natural	ADJ
hassl-4534	11	21	disasters	disaster	NOUN
hassl-4534	11	22	and	and	CCONJ
hassl-4534	11	23	credit	credit	NOUN
hassl-4534	11	24	risk	risk	NOUN
hassl-4534	11	25	.	.	PUNCT
hassl-4534	12	1	the	the	DET
hassl-4534	12	2	result	result	NOUN
hassl-4534	12	3	shows	show	VERB
hassl-4534	12	4	that	that	SCONJ
hassl-4534	12	5	all	all	DET
hassl-4534	12	6	explanatory	explanatory	ADJ
hassl-4534	12	7	variables	variable	NOUN
hassl-4534	12	8	positively	positively	ADV
hassl-4534	12	9	correlated	correlate	VERB
hassl-4534	12	10	,	,	PUNCT
hassl-4534	12	11	suggesting	suggest	VERB
hassl-4534	12	12	that	that	SCONJ
hassl-4534	12	13	natural	natural	ADJ
hassl-4534	12	14	disasters	disaster	NOUN
hassl-4534	12	15	cause	cause	VERB
hassl-4534	12	16	higher	high	ADJ
hassl-4534	12	17	credit	credit	NOUN
hassl-4534	12	18	risk	risk	NOUN
hassl-4534	12	19	for	for	ADP
hassl-4534	12	20	global	global	ADJ
hassl-4534	12	21	banks	bank	NOUN
hassl-4534	12	22	.	.	PUNCT
hassl-4534	13	1	this	this	DET
hassl-4534	13	2	study	study	NOUN
hassl-4534	13	3	shows	show	VERB
hassl-4534	13	4	that	that	SCONJ
hassl-4534	13	5	no	no	DET
hassl-4534	13	6	relationship	relationship	NOUN
hassl-4534	13	7	is	be	AUX
hassl-4534	13	8	robust	robust	ADJ
hassl-4534	13	9	to	to	ADP
hassl-4534	13	10	alternative	alternative	ADJ
hassl-4534	13	11	credit	credit	NOUN
hassl-4534	13	12	risk	risk	NOUN
hassl-4534	13	13	measures	measure	NOUN
hassl-4534	13	14	and	and	CCONJ
hassl-4534	13	15	estimation	estimation	NOUN
hassl-4534	13	16	methods	method	NOUN
hassl-4534	13	17	,	,	PUNCT
hassl-4534	13	18	and	and	CCONJ
hassl-4534	13	19	it	it	PRON
hassl-4534	13	20	passes	pass	VERB
hassl-4534	13	21	several	several	ADJ
hassl-4534	13	22	endogeneity	endogeneity	NOUN
hassl-4534	13	23	tests	test	NOUN
hassl-4534	13	24	.	.	PUNCT
hassl-4534	14	1	the	the	DET
hassl-4534	14	2	results	result	NOUN
hassl-4534	14	3	of	of	ADP
hassl-4534	14	4	this	this	DET
hassl-4534	14	5	study	study	NOUN
hassl-4534	14	6	have	have	VERB
hassl-4534	14	7	practical	practical	ADJ
hassl-4534	14	8	implications	implication	NOUN
hassl-4534	14	9	for	for	ADP
hassl-4534	14	10	banks	bank	NOUN
hassl-4534	14	11	,	,	PUNCT
hassl-4534	14	12	emphasizing	emphasize	VERB
hassl-4534	14	13	the	the	DET
hassl-4534	14	14	need	need	NOUN
hassl-4534	14	15	to	to	PART
hassl-4534	14	16	adopt	adopt	VERB
hassl-4534	14	17	strong	strong	ADJ
hassl-4534	14	18	risk	risk	NOUN
hassl-4534	14	19	management	management	NOUN
hassl-4534	14	20	techniques	technique	NOUN
hassl-4534	14	21	to	to	PART
hassl-4534	14	22	reduce	reduce	VERB
hassl-4534	14	23	the	the	DET
hassl-4534	14	24	effects	effect	NOUN
hassl-4534	14	25	of	of	ADP
hassl-4534	14	26	disasters	disaster	NOUN
hassl-4534	14	27	on	on	ADP
hassl-4534	14	28	loan	loan	NOUN
hassl-4534	14	29	repayment	repayment	NOUN
hassl-4534	14	30	.	.	PUNCT
hassl-4534	15	1	the	the	DET
hassl-4534	15	2	implication	implication	NOUN
hassl-4534	15	3	of	of	ADP
hassl-4534	15	4	this	this	DET
hassl-4534	15	5	study	study	NOUN
hassl-4534	15	6	provides	provide	VERB
hassl-4534	15	7	the	the	DET
hassl-4534	15	8	government	government	NOUN
hassl-4534	15	9	with	with	ADP
hassl-4534	15	10	an	an	DET
hassl-4534	15	11	understanding	understanding	NOUN
hassl-4534	15	12	of	of	ADP
hassl-4534	15	13	how	how	SCONJ
hassl-4534	15	14	to	to	PART
hassl-4534	15	15	strategically	strategically	ADV
hassl-4534	15	16	provide	provide	VERB
hassl-4534	15	17	assistance	assistance	NOUN
hassl-4534	15	18	and	and	CCONJ
hassl-4534	15	19	incentives	incentive	NOUN
hassl-4534	15	20	to	to	PART
hassl-4534	15	21	help	help	VERB
hassl-4534	15	22	banks	bank	NOUN
hassl-4534	15	23	become	become	VERB
hassl-4534	15	24	more	more	ADV
hassl-4534	15	25	resilient	resilient	ADJ
hassl-4534	15	26	in	in	ADP
hassl-4534	15	27	disaster	disaster	NOUN
hassl-4534	15	28	-	-	PUNCT
hassl-4534	15	29	prone	prone	ADJ
hassl-4534	15	30	areas	area	NOUN
hassl-4534	15	31	.	.	PUNCT
hassl-4534	16	1	contribution	contribution	NOUN
hassl-4534	16	2	/	/	SYM
hassl-4534	16	3	originality	originality	NOUN
hassl-4534	16	4	:	:	PUNCT
hassl-4534	16	5	this	this	DET
hassl-4534	16	6	study	study	NOUN
hassl-4534	16	7	offers	offer	VERB
hassl-4534	16	8	original	original	ADJ
hassl-4534	16	9	insights	insight	NOUN
hassl-4534	16	10	into	into	ADP
hassl-4534	16	11	how	how	SCONJ
hassl-4534	16	12	governments	government	NOUN
hassl-4534	16	13	can	can	AUX
hassl-4534	16	14	strategically	strategically	ADV
hassl-4534	16	15	provide	provide	VERB
hassl-4534	16	16	assistance	assistance	NOUN
hassl-4534	16	17	and	and	CCONJ
hassl-4534	16	18	incentives	incentive	NOUN
hassl-4534	16	19	to	to	PART
hassl-4534	16	20	help	help	VERB
hassl-4534	16	21	banks	bank	NOUN
hassl-4534	16	22	become	become	VERB
hassl-4534	16	23	more	more	ADV
hassl-4534	16	24	resilient	resilient	ADJ
hassl-4534	16	25	in	in	ADP
hassl-4534	16	26	disaster	disaster	NOUN
hassl-4534	16	27	-	-	PUNCT
hassl-4534	16	28	prone	prone	ADJ
hassl-4534	16	29	areas	area	NOUN
hassl-4534	16	30	.	.	PUNCT
hassl-4534	17	1	this	this	DET
hassl-4534	17	2	study	study	NOUN
hassl-4534	17	3	is	be	AUX
hassl-4534	17	4	the	the	DET
hassl-4534	17	5	first	first	ADJ
hassl-4534	17	6	to	to	PART
hassl-4534	17	7	examine	examine	VERB
hassl-4534	17	8	the	the	DET
hassl-4534	17	9	effect	effect	NOUN
hassl-4534	17	10	of	of	ADP
hassl-4534	17	11	natural	natural	ADJ
hassl-4534	17	12	disasters	disaster	NOUN
hassl-4534	17	13	on	on	ADP
hassl-4534	17	14	the	the	DET
hassl-4534	17	15	credit	credit	NOUN
hassl-4534	17	16	risks	risk	NOUN
hassl-4534	17	17	of	of	ADP
hassl-4534	17	18	global	global	ADJ
hassl-4534	17	19	banks	bank	NOUN
hassl-4534	17	20	.	.	PUNCT
hassl-4534	18	1	1	1	X
hassl-4534	18	2	.	.	X
hassl-4534	18	3	introduction	introduction	NOUN
hassl-4534	18	4	natural	natural	ADJ
hassl-4534	18	5	disasters	disaster	NOUN
hassl-4534	18	6	such	such	ADJ
hassl-4534	18	7	as	as	ADP
hassl-4534	18	8	earthquakes	earthquake	NOUN
hassl-4534	18	9	,	,	PUNCT
hassl-4534	18	10	hurricanes	hurricane	NOUN
hassl-4534	18	11	,	,	PUNCT
hassl-4534	18	12	floods	flood	NOUN
hassl-4534	18	13	,	,	PUNCT
hassl-4534	18	14	and	and	CCONJ
hassl-4534	18	15	forest	forest	NOUN
hassl-4534	18	16	fires	fire	NOUN
hassl-4534	18	17	are	be	AUX
hassl-4534	18	18	occurring	occur	VERB
hassl-4534	18	19	with	with	ADP
hassl-4534	18	20	increasing	increase	VERB
hassl-4534	18	21	frequency	frequency	NOUN
hassl-4534	18	22	and	and	CCONJ
hassl-4534	18	23	causing	cause	VERB
hassl-4534	18	24	major	major	ADJ
hassl-4534	18	25	damage	damage	NOUN
hassl-4534	18	26	worldwide	worldwide	ADV
hassl-4534	18	27	(	(	PUNCT
hassl-4534	18	28	chang	chang	PROPN
hassl-4534	18	29	&	&	CCONJ
hassl-4534	18	30	berdiev	berdiev	PROPN
hassl-4534	18	31	,	,	PUNCT
hassl-4534	18	32	2013	2013	NUM
hassl-4534	18	33	;	;	PUNCT
hassl-4534	18	34	chen	chen	PROPN
hassl-4534	18	35	,	,	PUNCT
hassl-4534	18	36	zhao	zhao	PROPN
hassl-4534	18	37	,	,	PUNCT
hassl-4534	18	38	&	&	CCONJ
hassl-4534	18	39	chang	chang	PROPN
hassl-4534	18	40	,	,	PUNCT
hassl-4534	18	41	2023	2023	NUM
hassl-4534	18	42	)	)	PUNCT
hassl-4534	18	43	.	.	PUNCT
hassl-4534	19	1	these	these	DET
hassl-4534	19	2	events	event	NOUN
hassl-4534	19	3	jeopardise	jeopardise	VERB
hassl-4534	19	4	people	people	NOUN
hassl-4534	19	5	's	's	PART
hassl-4534	19	6	safety	safety	NOUN
hassl-4534	19	7	,	,	PUNCT
hassl-4534	19	8	damage	damage	VERB
hassl-4534	19	9	the	the	DET
hassl-4534	19	10	environment	environment	NOUN
hassl-4534	19	11	,	,	PUNCT
hassl-4534	19	12	and	and	CCONJ
hassl-4534	19	13	have	have	VERB
hassl-4534	19	14	a	a	DET
hassl-4534	19	15	lasting	last	VERB
hassl-4534	19	16	impact	impact	NOUN
hassl-4534	19	17	on	on	ADP
hassl-4534	19	18	national	national	ADJ
hassl-4534	19	19	economies	economy	NOUN
hassl-4534	19	20	(	(	PUNCT
hassl-4534	19	21	brei	brei	ADJ
hassl-4534	19	22	,	,	PUNCT
hassl-4534	19	23	mohan	mohan	PROPN
hassl-4534	19	24	,	,	PUNCT
hassl-4534	19	25	&	&	CCONJ
hassl-4534	19	26	strobl	strobl	NOUN
hassl-4534	19	27	,	,	PUNCT
hassl-4534	19	28	2019	2019	NUM
hassl-4534	19	29	)	)	PUNCT
hassl-4534	19	30	.	.	PUNCT
hassl-4534	20	1	the	the	DET
hassl-4534	20	2	destruction	destruction	NOUN
hassl-4534	20	3	necessitates	necessitate	VERB
hassl-4534	20	4	massive	massive	ADJ
hassl-4534	20	5	recovery	recovery	NOUN
hassl-4534	20	6	spending	spending	NOUN
hassl-4534	20	7	leading	lead	VERB
hassl-4534	20	8	to	to	ADP
hassl-4534	20	9	increased	increase	VERB
hassl-4534	20	10	public	public	ADJ
hassl-4534	20	11	debt	debt	NOUN
hassl-4534	20	12	,	,	PUNCT
hassl-4534	20	13	especially	especially	ADV
hassl-4534	20	14	in	in	ADP
hassl-4534	20	15	financially	financially	ADV
hassl-4534	20	16	constrained	constrain	VERB
hassl-4534	20	17	countries	country	NOUN
hassl-4534	20	18	(	(	PUNCT
hassl-4534	20	19	utomo	utomo	PROPN
hassl-4534	20	20	&	&	CCONJ
hassl-4534	20	21	marta	marta	PROPN
hassl-4534	20	22	,	,	PUNCT
hassl-4534	20	23	2022	2022	NUM
hassl-4534	20	24	)	)	PUNCT
hassl-4534	20	25	.	.	PUNCT
hassl-4534	21	1	natural	natural	ADJ
hassl-4534	21	2	disasters	disaster	NOUN
hassl-4534	21	3	disrupt	disrupt	VERB
hassl-4534	21	4	income	income	NOUN
hassl-4534	21	5	,	,	PUNCT
hassl-4534	21	6	damage	damage	NOUN
hassl-4534	21	7	property	property	NOUN
hassl-4534	21	8	,	,	PUNCT
hassl-4534	21	9	and	and	CCONJ
hassl-4534	21	10	increase	increase	VERB
hassl-4534	21	11	spending	spending	NOUN
hassl-4534	21	12	,	,	PUNCT
hassl-4534	21	13	making	make	VERB
hassl-4534	21	14	it	it	PRON
hassl-4534	21	15	difficult	difficult	ADJ
hassl-4534	21	16	for	for	SCONJ
hassl-4534	21	17	individuals	individual	NOUN
hassl-4534	21	18	to	to	PART
hassl-4534	21	19	meet	meet	VERB
hassl-4534	21	20	their	their	PRON
hassl-4534	21	21	credit	credit	NOUN
hassl-4534	21	22	obligations	obligation	NOUN
hassl-4534	21	23	(	(	PUNCT
hassl-4534	21	24	botzen	botzen	ADJ
hassl-4534	21	25	,	,	PUNCT
hassl-4534	21	26	deschenes	deschene	NOUN
hassl-4534	21	27	,	,	PUNCT
hassl-4534	21	28	&	&	CCONJ
hassl-4534	21	29	sanders	sanders	PROPN
hassl-4534	21	30	,	,	PUNCT
hassl-4534	21	31	2019	2019	NUM
hassl-4534	21	32	)	)	PUNCT
hassl-4534	21	33	.	.	PUNCT
hassl-4534	22	1	the	the	DET
hassl-4534	22	2	loss	loss	NOUN
hassl-4534	22	3	of	of	ADP
hassl-4534	22	4	jobs	job	NOUN
hassl-4534	22	5	,	,	PUNCT
hassl-4534	22	6	the	the	DET
hassl-4534	22	7	closure	closure	NOUN
hassl-4534	22	8	of	of	ADP
hassl-4534	22	9	businesses	business	NOUN
hassl-4534	22	10	,	,	PUNCT
hassl-4534	22	11	and	and	CCONJ
hassl-4534	22	12	limited	limited	ADJ
hassl-4534	22	13	access	access	NOUN
hassl-4534	22	14	to	to	ADP
hassl-4534	22	15	banking	banking	NOUN
hassl-4534	22	16	services	service	NOUN
hassl-4534	22	17	exacerbate	exacerbate	VERB
hassl-4534	22	18	the	the	DET
hassl-4534	22	19	financial	financial	ADJ
hassl-4534	22	20	burden	burden	NOUN
hassl-4534	22	21	(	(	PUNCT
hassl-4534	22	22	brahmana	brahmana	NOUN
hassl-4534	22	23	,	,	PUNCT
hassl-4534	22	24	puah	puah	NOUN
hassl-4534	22	25	,	,	PUNCT
hassl-4534	22	26	&	&	CCONJ
hassl-4534	22	27	chai	chai	NOUN
hassl-4534	22	28	,	,	PUNCT
hassl-4534	22	29	2016	2016	NUM
hassl-4534	22	30	)	)	PUNCT
hassl-4534	22	31	and	and	CCONJ
hassl-4534	22	32	pose	pose	VERB
hassl-4534	22	33	significant	significant	ADJ
hassl-4534	22	34	challenges	challenge	NOUN
hassl-4534	22	35	to	to	ADP
hassl-4534	22	36	debt	debt	NOUN
hassl-4534	22	37	repayment	repayment	NOUN
hassl-4534	22	38	humanities	humanity	NOUN
hassl-4534	22	39	and	and	CCONJ
hassl-4534	22	40	social	social	ADJ
hassl-4534	22	41	sciences	science	NOUN
hassl-4534	22	42	letters	letter	NOUN
hassl-4534	22	43	2025	2025	NUM
hassl-4534	22	44	vol	vol	NOUN
hassl-4534	22	45	.	.	PROPN
hassl-4534	23	1	13	13	NUM
hassl-4534	23	2	,	,	PUNCT
hassl-4534	23	3	no	no	INTJ
hassl-4534	23	4	.	.	NOUN
hassl-4534	23	5	4	4	NUM
hassl-4534	23	6	,	,	PUNCT
hassl-4534	23	7	pp	pp	ADJ
hassl-4534	23	8	.	.	PUNCT
hassl-4534	24	1	1584	1584	NUM
hassl-4534	24	2	-	-	SYM
hassl-4534	24	3	1595	1595	NUM
hassl-4534	24	4	issn(e	issn(e	PROPN
hassl-4534	24	5	):	):	PUNCT
hassl-4534	24	6	2312	2312	NUM
hassl-4534	24	7	-	-	SYM
hassl-4534	24	8	4318	4318	NUM
hassl-4534	24	9	issn(p	issn(p	NUM
hassl-4534	24	10	):	):	PUNCT
hassl-4534	24	11	2312	2312	NUM
hassl-4534	24	12	-	-	SYM
hassl-4534	24	13	5659	5659	NUM
hassl-4534	24	14	doi	doi	NOUN
hassl-4534	24	15	:	:	PUNCT
hassl-4534	24	16	10.18488/73.v13i4.4534	10.18488/73.v13i4.4534	NUM
hassl-4534	24	17	©	©	PROPN
hassl-4534	24	18	2025	2025	NUM
hassl-4534	24	19	conscientia	conscientia	PROPN
hassl-4534	24	20	beam	beam	PROPN
hassl-4534	24	21	.	.	PUNCT
hassl-4534	25	1	all	all	DET
hassl-4534	25	2	rights	right	NOUN
hassl-4534	25	3	reserved	reserve	VERB
hassl-4534	25	4	.	.	PUNCT
hassl-4534	26	1	mailto:citra.sukmadilaga@unpad.ac.id	mailto:citra.sukmadilaga@unpad.ac.id	NOUN
hassl-4534	26	2	mailto:srihadi.winarningsih@unpad.ac.id	mailto:srihadi.winarningsih@unpad.ac.id	NOUN
hassl-4534	26	3	mailto:ivan.yudianto@unpad.ac.id	mailto:ivan.yudianto@unpad.ac.id	NOUN
hassl-4534	26	4	mailto:andryarf1998@gmail.com	mailto:andryarf1998@gmail.com	NOUN
hassl-4534	26	5	mailto:raye_brahm@yahoo.com	mailto:raye_brahm@yahoo.com	X
hassl-4534	27	1	https://orcid.org/0000-0003-3172-3407	https://orcid.org/0000-0003-3172-3407	INTJ
hassl-4534	27	2	https://orcid.org/0000-0002-6856-377x	https://orcid.org/0000-0002-6856-377x	VERB
hassl-4534	27	3	https://orcid.org/0000-0002-2550-2897	https://orcid.org/0000-0002-2550-2897	PROPN
hassl-4534	27	4	https://orcid.org/0000-0002-6670-8875	https://orcid.org/0000-0002-6670-8875	PROPN
hassl-4534	27	5	https://orcid.org/0009-0001-2976-136x	https://orcid.org/0009-0001-2976-136x	VERB
hassl-4534	27	6	https://www.doi.org/10.18488/73.v13i4.4534	https://www.doi.org/10.18488/73.v13i4.4534	NOUN
hassl-4534	27	7	humanities	humanity	NOUN
hassl-4534	27	8	and	and	CCONJ
hassl-4534	27	9	social	social	ADJ
hassl-4534	27	10	sciences	science	NOUN
hassl-4534	27	11	letters	letter	NOUN
hassl-4534	27	12	,	,	PUNCT
hassl-4534	27	13	2025	2025	NUM
hassl-4534	27	14	,	,	PUNCT
hassl-4534	27	15	13(4	13(4	NUM
hassl-4534	27	16	):	):	PUNCT
hassl-4534	27	17	1584	1584	NUM
hassl-4534	27	18	-	-	SYM
hassl-4534	27	19	1595	1595	NUM
hassl-4534	27	20	1585	1585	NUM
hassl-4534	27	21	©	©	PROPN
hassl-4534	27	22	2025	2025	NUM
hassl-4534	27	23	conscientia	conscientia	PROPN
hassl-4534	27	24	beam	beam	PROPN
hassl-4534	27	25	.	.	PUNCT
hassl-4534	28	1	all	all	DET
hassl-4534	28	2	rights	right	NOUN
hassl-4534	28	3	reserved	reserve	VERB
hassl-4534	28	4	.	.	PUNCT
hassl-4534	29	1	after	after	ADP
hassl-4534	29	2	a	a	DET
hassl-4534	29	3	disaster	disaster	NOUN
hassl-4534	29	4	.	.	PUNCT
hassl-4534	30	1	however	however	ADV
hassl-4534	30	2	,	,	PUNCT
hassl-4534	30	3	the	the	DET
hassl-4534	30	4	banking	banking	NOUN
hassl-4534	30	5	sector	sector	NOUN
hassl-4534	30	6	also	also	ADV
hassl-4534	30	7	faces	face	VERB
hassl-4534	30	8	particular	particular	ADJ
hassl-4534	30	9	risks	risk	NOUN
hassl-4534	30	10	due	due	ADP
hassl-4534	30	11	to	to	ADP
hassl-4534	30	12	the	the	DET
hassl-4534	30	13	impact	impact	NOUN
hassl-4534	30	14	of	of	ADP
hassl-4534	30	15	disasters	disaster	NOUN
hassl-4534	30	16	on	on	ADP
hassl-4534	30	17	people	people	NOUN
hassl-4534	30	18	's	's	PART
hassl-4534	30	19	ability	ability	NOUN
hassl-4534	30	20	to	to	PART
hassl-4534	30	21	repay	repay	VERB
hassl-4534	30	22	debt	debt	NOUN
hassl-4534	30	23	(	(	PUNCT
hassl-4534	30	24	schüwer	schüwer	X
hassl-4534	30	25	,	,	PUNCT
hassl-4534	30	26	lambert	lambert	PROPN
hassl-4534	30	27	,	,	PUNCT
hassl-4534	30	28	&	&	CCONJ
hassl-4534	30	29	noth	noth	PROPN
hassl-4534	30	30	,	,	PUNCT
hassl-4534	30	31	2019	2019	NUM
hassl-4534	30	32	)	)	PUNCT
hassl-4534	30	33	.	.	PUNCT
hassl-4534	31	1	one	one	NUM
hassl-4534	31	2	of	of	ADP
hassl-4534	31	3	the	the	DET
hassl-4534	31	4	risks	risk	NOUN
hassl-4534	31	5	to	to	PART
hassl-4534	31	6	which	which	PRON
hassl-4534	31	7	banks	bank	NOUN
hassl-4534	31	8	are	be	AUX
hassl-4534	31	9	exposed	expose	VERB
hassl-4534	31	10	due	due	ADP
hassl-4534	31	11	to	to	ADP
hassl-4534	31	12	natural	natural	ADJ
hassl-4534	31	13	disasters	disaster	NOUN
hassl-4534	31	14	is	be	AUX
hassl-4534	31	15	operational	operational	ADJ
hassl-4534	31	16	risk	risk	NOUN
hassl-4534	31	17	which	which	PRON
hassl-4534	31	18	concerns	concern	VERB
hassl-4534	31	19	the	the	DET
hassl-4534	31	20	physical	physical	ADJ
hassl-4534	31	21	vulnerabilities	vulnerability	NOUN
hassl-4534	31	22	of	of	ADP
hassl-4534	31	23	banking	banking	NOUN
hassl-4534	31	24	infrastructure	infrastructure	NOUN
hassl-4534	31	25	in	in	ADP
hassl-4534	31	26	disaster	disaster	NOUN
hassl-4534	31	27	-	-	PUNCT
hassl-4534	31	28	prone	prone	ADJ
hassl-4534	31	29	areas	area	NOUN
hassl-4534	31	30	(	(	PUNCT
hassl-4534	31	31	do	do	AUX
hassl-4534	31	32	,	,	PUNCT
hassl-4534	31	33	phan	phan	PROPN
hassl-4534	31	34	,	,	PUNCT
hassl-4534	31	35	&	&	CCONJ
hassl-4534	31	36	nguyen	nguyen	PROPN
hassl-4534	31	37	,	,	PUNCT
hassl-4534	31	38	2022	2022	NUM
hassl-4534	31	39	)	)	PUNCT
hassl-4534	31	40	.	.	PUNCT
hassl-4534	32	1	from	from	ADP
hassl-4534	32	2	a	a	DET
hassl-4534	32	3	business	business	NOUN
hassl-4534	32	4	perspective	perspective	NOUN
hassl-4534	32	5	,	,	PUNCT
hassl-4534	32	6	bank	bank	NOUN
hassl-4534	32	7	borrowers	borrower	NOUN
hassl-4534	32	8	may	may	AUX
hassl-4534	32	9	find	find	VERB
hassl-4534	32	10	it	it	PRON
hassl-4534	32	11	difficult	difficult	ADJ
hassl-4534	32	12	to	to	PART
hassl-4534	32	13	meet	meet	VERB
hassl-4534	32	14	their	their	PRON
hassl-4534	32	15	payment	payment	NOUN
hassl-4534	32	16	obligations	obligation	NOUN
hassl-4534	32	17	if	if	SCONJ
hassl-4534	32	18	they	they	PRON
hassl-4534	32	19	experience	experience	VERB
hassl-4534	32	20	financial	financial	ADJ
hassl-4534	32	21	difficulties	difficulty	NOUN
hassl-4534	32	22	due	due	ADJ
hassl-4534	32	23	to	to	ADP
hassl-4534	32	24	property	property	NOUN
hassl-4534	32	25	damage	damage	NOUN
hassl-4534	32	26	or	or	CCONJ
hassl-4534	32	27	loss	loss	NOUN
hassl-4534	32	28	of	of	ADP
hassl-4534	32	29	income	income	NOUN
hassl-4534	32	30	.	.	PUNCT
hassl-4534	33	1	this	this	PRON
hassl-4534	33	2	can	can	AUX
hassl-4534	33	3	lead	lead	VERB
hassl-4534	33	4	to	to	ADP
hassl-4534	33	5	delays	delay	NOUN
hassl-4534	33	6	or	or	CCONJ
hassl-4534	33	7	defaults	default	NOUN
hassl-4534	33	8	in	in	ADP
hassl-4534	33	9	loan	loan	NOUN
hassl-4534	33	10	repayments	repayment	NOUN
hassl-4534	33	11	and	and	CCONJ
hassl-4534	33	12	pose	pose	VERB
hassl-4534	33	13	challenges	challenge	NOUN
hassl-4534	33	14	for	for	ADP
hassl-4534	33	15	banks	bank	NOUN
hassl-4534	33	16	in	in	ADP
hassl-4534	33	17	maintaining	maintain	VERB
hassl-4534	33	18	liquidity	liquidity	NOUN
hassl-4534	33	19	and	and	CCONJ
hassl-4534	33	20	managing	manage	VERB
hassl-4534	33	21	credit	credit	NOUN
hassl-4534	33	22	risk	risk	NOUN
hassl-4534	33	23	(	(	PUNCT
hassl-4534	33	24	brahmana	brahmana	NOUN
hassl-4534	33	25	et	et	NOUN
hassl-4534	33	26	al	al	PROPN
hassl-4534	33	27	.	.	PROPN
hassl-4534	33	28	,	,	PUNCT
hassl-4534	33	29	2016	2016	NUM
hassl-4534	33	30	)	)	PUNCT
hassl-4534	33	31	.	.	PUNCT
hassl-4534	34	1	natural	natural	ADJ
hassl-4534	34	2	disasters	disaster	NOUN
hassl-4534	34	3	,	,	PUNCT
hassl-4534	34	4	which	which	PRON
hassl-4534	34	5	can	can	AUX
hassl-4534	34	6	lead	lead	VERB
hassl-4534	34	7	to	to	ADP
hassl-4534	34	8	widespread	widespread	ADJ
hassl-4534	34	9	financial	financial	ADJ
hassl-4534	34	10	distress	distress	NOUN
hassl-4534	34	11	among	among	ADP
hassl-4534	34	12	borrowers	borrower	NOUN
hassl-4534	34	13	are	be	AUX
hassl-4534	34	14	another	another	DET
hassl-4534	34	15	credit	credit	NOUN
hassl-4534	34	16	risk	risk	NOUN
hassl-4534	34	17	.	.	PUNCT
hassl-4534	35	1	individuals	individual	NOUN
hassl-4534	35	2	and	and	CCONJ
hassl-4534	35	3	businesses	business	NOUN
hassl-4534	35	4	affected	affect	VERB
hassl-4534	35	5	by	by	ADP
hassl-4534	35	6	disasters	disaster	NOUN
hassl-4534	35	7	may	may	AUX
hassl-4534	35	8	suffer	suffer	VERB
hassl-4534	35	9	a	a	DET
hassl-4534	35	10	loss	loss	NOUN
hassl-4534	35	11	of	of	ADP
hassl-4534	35	12	income	income	NOUN
hassl-4534	35	13	or	or	CCONJ
hassl-4534	35	14	losses	loss	NOUN
hassl-4534	35	15	,	,	PUNCT
hassl-4534	35	16	affecting	affect	VERB
hassl-4534	35	17	their	their	PRON
hassl-4534	35	18	ability	ability	NOUN
hassl-4534	35	19	to	to	PART
hassl-4534	35	20	pay	pay	VERB
hassl-4534	35	21	their	their	PRON
hassl-4534	35	22	loans	loan	NOUN
hassl-4534	35	23	(	(	PUNCT
hassl-4534	35	24	cortés	cortés	NOUN
hassl-4534	35	25	,	,	PUNCT
hassl-4534	35	26	2014	2014	NUM
hassl-4534	35	27	)	)	PUNCT
hassl-4534	35	28	.	.	PUNCT
hassl-4534	36	1	this	this	PRON
hassl-4534	36	2	increases	increase	VERB
hassl-4534	36	3	the	the	DET
hassl-4534	36	4	likelihood	likelihood	NOUN
hassl-4534	36	5	of	of	ADP
hassl-4534	36	6	defaults	default	NOUN
hassl-4534	36	7	and	and	CCONJ
hassl-4534	36	8	non	non	ADJ
hassl-4534	36	9	-	-	ADJ
hassl-4534	36	10	performing	performing	ADJ
hassl-4534	36	11	loans	loan	NOUN
hassl-4534	36	12	which	which	PRON
hassl-4534	36	13	affects	affect	VERB
hassl-4534	36	14	the	the	DET
hassl-4534	36	15	bank	bank	NOUN
hassl-4534	36	16	's	's	PART
hassl-4534	36	17	balance	balance	NOUN
hassl-4534	36	18	sheet	sheet	NOUN
hassl-4534	36	19	.	.	PUNCT
hassl-4534	37	1	disasters	disaster	NOUN
hassl-4534	37	2	often	often	ADV
hassl-4534	37	3	result	result	VERB
hassl-4534	37	4	in	in	ADP
hassl-4534	37	5	the	the	DET
hassl-4534	37	6	loss	loss	NOUN
hassl-4534	37	7	of	of	ADP
hassl-4534	37	8	employment	employment	NOUN
hassl-4534	37	9	,	,	PUNCT
hassl-4534	37	10	a	a	DET
hassl-4534	37	11	reduction	reduction	NOUN
hassl-4534	37	12	in	in	ADP
hassl-4534	37	13	working	work	VERB
hassl-4534	37	14	hours	hour	NOUN
hassl-4534	37	15	or	or	CCONJ
hassl-4534	37	16	the	the	DET
hassl-4534	37	17	destruction	destruction	NOUN
hassl-4534	37	18	of	of	ADP
hassl-4534	37	19	business	business	NOUN
hassl-4534	37	20	operations	operation	NOUN
hassl-4534	37	21	.	.	PUNCT
hassl-4534	38	1	for	for	ADP
hassl-4534	38	2	individuals	individual	NOUN
hassl-4534	38	3	,	,	PUNCT
hassl-4534	38	4	this	this	PRON
hassl-4534	38	5	can	can	AUX
hassl-4534	38	6	mean	mean	VERB
hassl-4534	38	7	a	a	DET
hassl-4534	38	8	drastic	drastic	ADJ
hassl-4534	38	9	drop	drop	NOUN
hassl-4534	38	10	in	in	ADP
hassl-4534	38	11	household	household	NOUN
hassl-4534	38	12	income	income	NOUN
hassl-4534	38	13	,	,	PUNCT
hassl-4534	38	14	making	make	VERB
hassl-4534	38	15	it	it	PRON
hassl-4534	38	16	difficult	difficult	ADJ
hassl-4534	38	17	to	to	PART
hassl-4534	38	18	keep	keep	VERB
hassl-4534	38	19	up	up	ADP
hassl-4534	38	20	with	with	ADP
hassl-4534	38	21	loan	loan	NOUN
hassl-4534	38	22	payments	payment	NOUN
hassl-4534	38	23	.	.	PUNCT
hassl-4534	39	1	the	the	DET
hassl-4534	39	2	loss	loss	NOUN
hassl-4534	39	3	of	of	ADP
hassl-4534	39	4	income	income	NOUN
hassl-4534	39	5	can	can	AUX
hassl-4534	39	6	be	be	AUX
hassl-4534	39	7	significant	significant	ADJ
hassl-4534	39	8	and	and	CCONJ
hassl-4534	39	9	affect	affect	VERB
hassl-4534	39	10	their	their	PRON
hassl-4534	39	11	ability	ability	NOUN
hassl-4534	39	12	to	to	PART
hassl-4534	39	13	service	service	VERB
hassl-4534	39	14	debt	debt	NOUN
hassl-4534	39	15	for	for	ADP
hassl-4534	39	16	businesses	business	NOUN
hassl-4534	39	17	,	,	PUNCT
hassl-4534	39	18	especially	especially	ADV
hassl-4534	39	19	small	small	ADJ
hassl-4534	39	20	and	and	CCONJ
hassl-4534	39	21	medium	medium	ADJ
hassl-4534	39	22	-	-	PUNCT
hassl-4534	39	23	sized	sized	ADJ
hassl-4534	39	24	enterprises	enterprise	NOUN
hassl-4534	39	25	(	(	PUNCT
hassl-4534	39	26	smes	sme	NOUN
hassl-4534	39	27	)	)	PUNCT
hassl-4534	39	28	(	(	PUNCT
hassl-4534	39	29	del	del	X
hassl-4534	39	30	ninno	ninno	NOUN
hassl-4534	39	31	,	,	PUNCT
hassl-4534	39	32	dorosh	dorosh	NOUN
hassl-4534	39	33	,	,	PUNCT
hassl-4534	39	34	&	&	CCONJ
hassl-4534	39	35	smith	smith	PROPN
hassl-4534	39	36	,	,	PUNCT
hassl-4534	39	37	2003	2003	NUM
hassl-4534	39	38	)	)	PUNCT
hassl-4534	39	39	.	.	PUNCT
hassl-4534	40	1	government	government	NOUN
hassl-4534	40	2	recovery	recovery	NOUN
hassl-4534	40	3	efforts	effort	NOUN
hassl-4534	40	4	play	play	VERB
hassl-4534	40	5	a	a	DET
hassl-4534	40	6	critical	critical	ADJ
hassl-4534	40	7	role	role	NOUN
hassl-4534	40	8	in	in	ADP
hassl-4534	40	9	the	the	DET
hassl-4534	40	10	recovery	recovery	NOUN
hassl-4534	40	11	of	of	ADP
hassl-4534	40	12	communities	community	NOUN
hassl-4534	40	13	and	and	CCONJ
hassl-4534	40	14	economies	economy	NOUN
hassl-4534	40	15	after	after	ADP
hassl-4534	40	16	natural	natural	ADJ
hassl-4534	40	17	disasters	disaster	NOUN
hassl-4534	40	18	.	.	PUNCT
hassl-4534	41	1	their	their	PRON
hassl-4534	41	2	efforts	effort	NOUN
hassl-4534	41	3	can	can	AUX
hassl-4534	41	4	mitigate	mitigate	VERB
hassl-4534	41	5	the	the	DET
hassl-4534	41	6	immediate	immediate	ADJ
hassl-4534	41	7	and	and	CCONJ
hassl-4534	41	8	long	long	ADJ
hassl-4534	41	9	-	-	PUNCT
hassl-4534	41	10	term	term	NOUN
hassl-4534	41	11	effects	effect	NOUN
hassl-4534	41	12	of	of	ADP
hassl-4534	41	13	disasters	disaster	NOUN
hassl-4534	41	14	on	on	ADP
hassl-4534	41	15	individuals	individual	NOUN
hassl-4534	41	16	,	,	PUNCT
hassl-4534	41	17	businesses	business	NOUN
hassl-4534	41	18	,	,	PUNCT
hassl-4534	41	19	and	and	CCONJ
hassl-4534	41	20	financial	financial	ADJ
hassl-4534	41	21	institutions	institution	NOUN
hassl-4534	41	22	(	(	PUNCT
hassl-4534	41	23	chia	chia	PROPN
hassl-4534	41	24	,	,	PUNCT
hassl-4534	41	25	lim	lim	PROPN
hassl-4534	41	26	,	,	PUNCT
hassl-4534	41	27	&	&	CCONJ
hassl-4534	41	28	goh	goh	PROPN
hassl-4534	41	29	,	,	PUNCT
hassl-4534	41	30	2020	2020	NUM
hassl-4534	41	31	)	)	PUNCT
hassl-4534	41	32	.	.	PUNCT
hassl-4534	42	1	governments	government	NOUN
hassl-4534	42	2	offer	offer	VERB
hassl-4534	42	3	various	various	ADJ
hassl-4534	42	4	forms	form	NOUN
hassl-4534	42	5	of	of	ADP
hassl-4534	42	6	financial	financial	ADJ
hassl-4534	42	7	assistance	assistance	NOUN
hassl-4534	42	8	to	to	ADP
hassl-4534	42	9	individuals	individual	NOUN
hassl-4534	42	10	and	and	CCONJ
hassl-4534	42	11	businesses	business	NOUN
hassl-4534	42	12	,	,	PUNCT
hassl-4534	42	13	including	include	VERB
hassl-4534	42	14	grants	grant	NOUN
hassl-4534	42	15	,	,	PUNCT
hassl-4534	42	16	low	low	ADJ
hassl-4534	42	17	-	-	PUNCT
hassl-4534	42	18	interest	interest	NOUN
hassl-4534	42	19	loans	loan	NOUN
hassl-4534	42	20	,	,	PUNCT
hassl-4534	42	21	and	and	CCONJ
hassl-4534	42	22	direct	direct	ADJ
hassl-4534	42	23	cash	cash	NOUN
hassl-4534	42	24	transfers	transfer	NOUN
hassl-4534	42	25	.	.	PUNCT
hassl-4534	43	1	this	this	DET
hassl-4534	43	2	support	support	NOUN
hassl-4534	43	3	can	can	AUX
hassl-4534	43	4	help	help	VERB
hassl-4534	43	5	cover	cover	VERB
hassl-4534	43	6	immediate	immediate	ADJ
hassl-4534	43	7	expenses	expense	NOUN
hassl-4534	43	8	and	and	CCONJ
hassl-4534	43	9	facilitate	facilitate	VERB
hassl-4534	43	10	the	the	DET
hassl-4534	43	11	recovery	recovery	NOUN
hassl-4534	43	12	process	process	NOUN
hassl-4534	43	13	.	.	PUNCT
hassl-4534	44	1	despite	despite	SCONJ
hassl-4534	44	2	reconstruction	reconstruction	NOUN
hassl-4534	44	3	efforts	effort	NOUN
hassl-4534	44	4	by	by	ADP
hassl-4534	44	5	governments	government	NOUN
hassl-4534	44	6	(	(	PUNCT
hassl-4534	44	7	cavallo	cavallo	NOUN
hassl-4534	44	8	,	,	PUNCT
hassl-4534	44	9	galiani	galiani	NOUN
hassl-4534	44	10	,	,	PUNCT
hassl-4534	44	11	noy	noy	PROPN
hassl-4534	44	12	,	,	PUNCT
hassl-4534	44	13	&	&	CCONJ
hassl-4534	44	14	pantano	pantano	PROPN
hassl-4534	44	15	,	,	PUNCT
hassl-4534	44	16	2013	2013	NUM
hassl-4534	44	17	;	;	PUNCT
hassl-4534	44	18	horwich	horwich	NOUN
hassl-4534	44	19	,	,	PUNCT
hassl-4534	44	20	2000	2000	NUM
hassl-4534	44	21	;	;	PUNCT
hassl-4534	44	22	kahn	kahn	PROPN
hassl-4534	44	23	,	,	PUNCT
hassl-4534	44	24	2005	2005	NUM
hassl-4534	44	25	)	)	PUNCT
hassl-4534	44	26	,	,	PUNCT
hassl-4534	44	27	borrowers	borrower	NOUN
hassl-4534	44	28	need	need	VERB
hassl-4534	44	29	time	time	NOUN
hassl-4534	44	30	to	to	PART
hassl-4534	44	31	rebuild	rebuild	VERB
hassl-4534	44	32	their	their	PRON
hassl-4534	44	33	businesses	business	NOUN
hassl-4534	44	34	(	(	PUNCT
hassl-4534	44	35	chang	chang	PROPN
hassl-4534	44	36	et	et	PROPN
hassl-4534	44	37	al	al	PROPN
hassl-4534	44	38	.	.	PROPN
hassl-4534	44	39	,	,	PUNCT
hassl-4534	44	40	2022	2022	NUM
hassl-4534	44	41	)	)	PUNCT
hassl-4534	44	42	.	.	PUNCT
hassl-4534	45	1	banks	bank	NOUN
hassl-4534	45	2	with	with	ADP
hassl-4534	45	3	a	a	DET
hassl-4534	45	4	strong	strong	ADJ
hassl-4534	45	5	financial	financial	ADJ
hassl-4534	45	6	foundation	foundation	NOUN
hassl-4534	45	7	solve	solve	VERB
hassl-4534	45	8	the	the	DET
hassl-4534	45	9	problem	problem	NOUN
hassl-4534	45	10	quickly	quickly	ADV
hassl-4534	45	11	,	,	PUNCT
hassl-4534	45	12	resulting	result	VERB
hassl-4534	45	13	in	in	ADP
hassl-4534	45	14	a	a	DET
hassl-4534	45	15	low	low	ADJ
hassl-4534	45	16	proportion	proportion	NOUN
hassl-4534	45	17	of	of	ADP
hassl-4534	45	18	non	non	ADJ
hassl-4534	45	19	-	-	ADJ
hassl-4534	45	20	performing	performing	ADJ
hassl-4534	45	21	loans	loan	NOUN
hassl-4534	45	22	(	(	PUNCT
hassl-4534	45	23	brahmana	brahmana	NOUN
hassl-4534	45	24	et	et	NOUN
hassl-4534	45	25	al	al	PROPN
hassl-4534	45	26	.	.	PROPN
hassl-4534	45	27	,	,	PUNCT
hassl-4534	45	28	2016	2016	NUM
hassl-4534	45	29	)	)	PUNCT
hassl-4534	45	30	.	.	PUNCT
hassl-4534	46	1	in	in	ADP
hassl-4534	46	2	some	some	DET
hassl-4534	46	3	countries	country	NOUN
hassl-4534	46	4	,	,	PUNCT
hassl-4534	46	5	government	government	NOUN
hassl-4534	46	6	incentives	incentive	VERB
hassl-4534	46	7	support	support	VERB
hassl-4534	46	8	banks	bank	NOUN
hassl-4534	46	9	in	in	ADP
hassl-4534	46	10	avoiding	avoid	VERB
hassl-4534	46	11	high	high	ADJ
hassl-4534	46	12	non	non	ADJ
hassl-4534	46	13	-	-	ADJ
hassl-4534	46	14	performing	performing	ADJ
hassl-4534	46	15	loans	loan	NOUN
hassl-4534	46	16	(	(	PUNCT
hassl-4534	46	17	miao	miao	NOUN
hassl-4534	46	18	,	,	PUNCT
hassl-4534	46	19	hou	hou	PROPN
hassl-4534	46	20	,	,	PUNCT
hassl-4534	46	21	&	&	CCONJ
hassl-4534	46	22	abrigo	abrigo	PROPN
hassl-4534	46	23	,	,	PUNCT
hassl-4534	46	24	2018	2018	NUM
hassl-4534	46	25	)	)	PUNCT
hassl-4534	46	26	.	.	PUNCT
hassl-4534	47	1	one	one	PRON
hassl-4534	47	2	may	may	AUX
hassl-4534	47	3	pose	pose	VERB
hassl-4534	47	4	a	a	DET
hassl-4534	47	5	question	question	NOUN
hassl-4534	47	6	.	.	PUNCT
hassl-4534	48	1	do	do	AUX
hassl-4534	48	2	natural	natural	ADJ
hassl-4534	48	3	disasters	disaster	NOUN
hassl-4534	48	4	have	have	VERB
hassl-4534	48	5	a	a	DET
hassl-4534	48	6	significant	significant	ADJ
hassl-4534	48	7	impact	impact	NOUN
hassl-4534	48	8	on	on	ADP
hassl-4534	48	9	banks	bank	NOUN
hassl-4534	48	10	'	'	PART
hassl-4534	48	11	performance	performance	NOUN
hassl-4534	48	12	,	,	PUNCT
hassl-4534	48	13	specifically	specifically	ADV
hassl-4534	48	14	in	in	ADP
hassl-4534	48	15	terms	term	NOUN
hassl-4534	48	16	of	of	ADP
hassl-4534	48	17	credit	credit	NOUN
hassl-4534	48	18	risk	risk	NOUN
hassl-4534	48	19	?	?	PUNCT
hassl-4534	49	1	this	this	DET
hassl-4534	49	2	study	study	NOUN
hassl-4534	49	3	aims	aim	VERB
hassl-4534	49	4	to	to	PART
hassl-4534	49	5	address	address	VERB
hassl-4534	49	6	this	this	DET
hassl-4534	49	7	question	question	NOUN
hassl-4534	49	8	by	by	ADP
hassl-4534	49	9	drawing	draw	VERB
hassl-4534	49	10	on	on	ADP
hassl-4534	49	11	existing	exist	VERB
hassl-4534	49	12	theoretical	theoretical	ADJ
hassl-4534	49	13	and	and	CCONJ
hassl-4534	49	14	empirical	empirical	ADJ
hassl-4534	49	15	research	research	NOUN
hassl-4534	49	16	.	.	PUNCT
hassl-4534	50	1	this	this	DET
hassl-4534	50	2	study	study	NOUN
hassl-4534	50	3	investigates	investigate	VERB
hassl-4534	50	4	whether	whether	SCONJ
hassl-4534	50	5	natural	natural	ADJ
hassl-4534	50	6	disasters	disaster	NOUN
hassl-4534	50	7	increase	increase	VERB
hassl-4534	50	8	credit	credit	NOUN
hassl-4534	50	9	risks	risk	NOUN
hassl-4534	50	10	by	by	ADP
hassl-4534	50	11	increasing	increase	VERB
hassl-4534	50	12	the	the	DET
hassl-4534	50	13	probability	probability	NOUN
hassl-4534	50	14	of	of	ADP
hassl-4534	50	15	non	non	ADJ
hassl-4534	50	16	-	-	ADJ
hassl-4534	50	17	performing	perform	VERB
hassl-4534	50	18	loans	loan	NOUN
hassl-4534	50	19	.	.	PUNCT
hassl-4534	51	1	the	the	DET
hassl-4534	51	2	results	result	NOUN
hassl-4534	51	3	of	of	ADP
hassl-4534	51	4	this	this	DET
hassl-4534	51	5	study	study	NOUN
hassl-4534	51	6	have	have	VERB
hassl-4534	51	7	practical	practical	ADJ
hassl-4534	51	8	implications	implication	NOUN
hassl-4534	51	9	for	for	ADP
hassl-4534	51	10	banks	bank	NOUN
hassl-4534	51	11	,	,	PUNCT
hassl-4534	51	12	emphasising	emphasise	VERB
hassl-4534	51	13	the	the	DET
hassl-4534	51	14	need	need	NOUN
hassl-4534	51	15	to	to	PART
hassl-4534	51	16	adopt	adopt	VERB
hassl-4534	51	17	strong	strong	ADJ
hassl-4534	51	18	risk	risk	NOUN
hassl-4534	51	19	management	management	NOUN
hassl-4534	51	20	techniques	technique	NOUN
hassl-4534	51	21	to	to	PART
hassl-4534	51	22	reduce	reduce	VERB
hassl-4534	51	23	credit	credit	NOUN
hassl-4534	51	24	risk	risk	NOUN
hassl-4534	51	25	.	.	PUNCT
hassl-4534	52	1	the	the	DET
hassl-4534	52	2	results	result	NOUN
hassl-4534	52	3	of	of	ADP
hassl-4534	52	4	this	this	DET
hassl-4534	52	5	study	study	NOUN
hassl-4534	52	6	improve	improve	VERB
hassl-4534	52	7	the	the	DET
hassl-4534	52	8	government	government	NOUN
hassl-4534	52	9	's	's	PART
hassl-4534	52	10	knowledge	knowledge	NOUN
hassl-4534	52	11	of	of	ADP
hassl-4534	52	12	how	how	SCONJ
hassl-4534	52	13	to	to	PART
hassl-4534	52	14	strategically	strategically	ADV
hassl-4534	52	15	provide	provide	VERB
hassl-4534	52	16	assistance	assistance	NOUN
hassl-4534	52	17	and	and	CCONJ
hassl-4534	52	18	incentives	incentive	NOUN
hassl-4534	52	19	to	to	PART
hassl-4534	52	20	help	help	VERB
hassl-4534	52	21	banks	bank	NOUN
hassl-4534	52	22	become	become	VERB
hassl-4534	52	23	more	more	ADV
hassl-4534	52	24	resilient	resilient	ADJ
hassl-4534	52	25	in	in	ADP
hassl-4534	52	26	disasterprone	disasterprone	NOUN
hassl-4534	52	27	areas	area	NOUN
hassl-4534	52	28	.	.	PUNCT
hassl-4534	53	1	the	the	DET
hassl-4534	53	2	next	next	ADJ
hassl-4534	53	3	section	section	NOUN
hassl-4534	53	4	(	(	PUNCT
hassl-4534	53	5	section	section	NOUN
hassl-4534	53	6	2	2	NUM
hassl-4534	53	7	)	)	PUNCT
hassl-4534	53	8	provides	provide	VERB
hassl-4534	53	9	the	the	DET
hassl-4534	53	10	literature	literature	NOUN
hassl-4534	53	11	review	review	NOUN
hassl-4534	53	12	relevant	relevant	ADJ
hassl-4534	53	13	to	to	ADP
hassl-4534	53	14	this	this	DET
hassl-4534	53	15	study	study	NOUN
hassl-4534	53	16	.	.	PUNCT
hassl-4534	54	1	section	section	NOUN
hassl-4534	54	2	3	3	NUM
hassl-4534	54	3	elucidates	elucidate	VERB
hassl-4534	54	4	the	the	DET
hassl-4534	54	5	research	research	NOUN
hassl-4534	54	6	methodology	methodology	NOUN
hassl-4534	54	7	,	,	PUNCT
hassl-4534	54	8	while	while	SCONJ
hassl-4534	54	9	section	section	NOUN
hassl-4534	54	10	4	4	NUM
hassl-4534	54	11	showcases	showcase	VERB
hassl-4534	54	12	the	the	DET
hassl-4534	54	13	results	result	NOUN
hassl-4534	54	14	and	and	CCONJ
hassl-4534	54	15	discussion	discussion	NOUN
hassl-4534	54	16	.	.	PUNCT
hassl-4534	55	1	the	the	DET
hassl-4534	55	2	last	last	ADJ
hassl-4534	55	3	section	section	NOUN
hassl-4534	55	4	(	(	PUNCT
hassl-4534	55	5	section	section	NOUN
hassl-4534	55	6	5	5	NUM
hassl-4534	55	7	)	)	PUNCT
hassl-4534	55	8	summarises	summarise	NOUN
hassl-4534	55	9	and	and	CCONJ
hassl-4534	55	10	concludes	conclude	VERB
hassl-4534	55	11	this	this	DET
hassl-4534	55	12	study	study	NOUN
hassl-4534	55	13	.	.	PUNCT
hassl-4534	56	1	2	2	X
hassl-4534	56	2	.	.	X
hassl-4534	56	3	literature	literature	NOUN
hassl-4534	56	4	review	review	VERB
hassl-4534	56	5	a	a	DET
hassl-4534	56	6	natural	natural	ADJ
hassl-4534	56	7	disaster	disaster	NOUN
hassl-4534	56	8	is	be	AUX
hassl-4534	56	9	an	an	DET
hassl-4534	56	10	abrupt	abrupt	ADJ
hassl-4534	56	11	and	and	CCONJ
hassl-4534	56	12	unforeseen	unforeseen	ADJ
hassl-4534	56	13	occurrence	occurrence	NOUN
hassl-4534	56	14	in	in	ADP
hassl-4534	56	15	the	the	DET
hassl-4534	56	16	environment	environment	NOUN
hassl-4534	56	17	(	(	PUNCT
hassl-4534	56	18	brahmana	brahmana	NOUN
hassl-4534	56	19	&	&	CCONJ
hassl-4534	56	20	kontesa	kontesa	PROPN
hassl-4534	56	21	,	,	PUNCT
hassl-4534	56	22	2023	2023	NUM
hassl-4534	56	23	)	)	PUNCT
hassl-4534	56	24	.	.	PUNCT
hassl-4534	57	1	the	the	DET
hassl-4534	57	2	united	united	PROPN
hassl-4534	57	3	nations	nations	PROPN
hassl-4534	57	4	international	international	ADJ
hassl-4534	57	5	strategy	strategy	NOUN
hassl-4534	57	6	for	for	ADP
hassl-4534	57	7	disaster	disaster	NOUN
hassl-4534	57	8	reduction	reduction	NOUN
hassl-4534	57	9	(	(	PUNCT
hassl-4534	57	10	unsdr	unsdr	PROPN
hassl-4534	57	11	)	)	PUNCT
hassl-4534	57	12	(	(	PUNCT
hassl-4534	57	13	2009	2009	NUM
hassl-4534	57	14	)	)	PUNCT
hassl-4534	57	15	defines	define	VERB
hassl-4534	57	16	it	it	PRON
hassl-4534	57	17	as	as	ADP
hassl-4534	57	18	a	a	DET
hassl-4534	57	19	natural	natural	ADJ
hassl-4534	57	20	process	process	NOUN
hassl-4534	57	21	or	or	CCONJ
hassl-4534	57	22	phenomenon	phenomenon	NOUN
hassl-4534	57	23	that	that	PRON
hassl-4534	57	24	has	have	VERB
hassl-4534	57	25	the	the	DET
hassl-4534	57	26	potential	potential	NOUN
hassl-4534	57	27	to	to	PART
hassl-4534	57	28	cause	cause	VERB
hassl-4534	57	29	loss	loss	NOUN
hassl-4534	57	30	of	of	ADP
hassl-4534	57	31	life	life	NOUN
hassl-4534	57	32	,	,	PUNCT
hassl-4534	57	33	injury	injury	NOUN
hassl-4534	57	34	or	or	CCONJ
hassl-4534	57	35	other	other	ADJ
hassl-4534	57	36	health	health	NOUN
hassl-4534	57	37	consequences	consequence	NOUN
hassl-4534	57	38	,	,	PUNCT
hassl-4534	57	39	damage	damage	NOUN
hassl-4534	57	40	to	to	ADP
hassl-4534	57	41	property	property	NOUN
hassl-4534	57	42	,	,	PUNCT
hassl-4534	57	43	loss	loss	NOUN
hassl-4534	57	44	of	of	ADP
hassl-4534	57	45	livelihoods	livelihood	NOUN
hassl-4534	57	46	and	and	CCONJ
hassl-4534	57	47	services	service	NOUN
hassl-4534	57	48	,	,	PUNCT
hassl-4534	57	49	social	social	ADJ
hassl-4534	57	50	and	and	CCONJ
hassl-4534	57	51	economic	economic	ADJ
hassl-4534	57	52	disruption	disruption	NOUN
hassl-4534	57	53	,	,	PUNCT
hassl-4534	57	54	or	or	CCONJ
hassl-4534	57	55	environmental	environmental	ADJ
hassl-4534	57	56	damage	damage	NOUN
hassl-4534	57	57	due	due	ADP
hassl-4534	57	58	to	to	ADP
hassl-4534	57	59	a	a	DET
hassl-4534	57	60	natural	natural	ADJ
hassl-4534	57	61	hazard	hazard	NOUN
hassl-4534	57	62	.	.	PUNCT
hassl-4534	58	1	disasters	disaster	NOUN
hassl-4534	58	2	can	can	AUX
hassl-4534	58	3	not	not	PART
hassl-4534	58	4	be	be	AUX
hassl-4534	58	5	accurately	accurately	ADV
hassl-4534	58	6	predicted	predict	VERB
hassl-4534	58	7	in	in	ADP
hassl-4534	58	8	terms	term	NOUN
hassl-4534	58	9	of	of	ADP
hassl-4534	58	10	time	time	NOUN
hassl-4534	58	11	,	,	PUNCT
hassl-4534	58	12	magnitude	magnitude	NOUN
hassl-4534	58	13	,	,	PUNCT
hassl-4534	58	14	or	or	CCONJ
hassl-4534	58	15	the	the	DET
hassl-4534	58	16	location	location	NOUN
hassl-4534	58	17	of	of	ADP
hassl-4534	58	18	the	the	DET
hassl-4534	58	19	most	most	ADV
hassl-4534	58	20	important	important	ADJ
hassl-4534	58	21	target	target	NOUN
hassl-4534	58	22	,	,	PUNCT
hassl-4534	58	23	but	but	CCONJ
hassl-4534	58	24	they	they	PRON
hassl-4534	58	25	can	can	AUX
hassl-4534	58	26	be	be	AUX
hassl-4534	58	27	estimated	estimate	VERB
hassl-4534	58	28	based	base	VERB
hassl-4534	58	29	on	on	ADP
hassl-4534	58	30	modern	modern	ADJ
hassl-4534	58	31	knowledge	knowledge	NOUN
hassl-4534	58	32	,	,	PUNCT
hassl-4534	58	33	traditional	traditional	ADJ
hassl-4534	58	34	signs	sign	NOUN
hassl-4534	58	35	of	of	ADP
hassl-4534	58	36	nature	nature	NOUN
hassl-4534	58	37	,	,	PUNCT
hassl-4534	58	38	and	and	CCONJ
hassl-4534	58	39	the	the	DET
hassl-4534	58	40	historical	historical	ADJ
hassl-4534	58	41	recurrence	recurrence	NOUN
hassl-4534	58	42	of	of	ADP
hassl-4534	58	43	disasters	disaster	NOUN
hassl-4534	58	44	(	(	PUNCT
hassl-4534	58	45	chang	chang	PROPN
hassl-4534	58	46	et	et	PROPN
hassl-4534	58	47	al	al	PROPN
hassl-4534	58	48	.	.	PROPN
hassl-4534	58	49	,	,	PUNCT
hassl-4534	58	50	2022	2022	NUM
hassl-4534	58	51	)	)	PUNCT
hassl-4534	58	52	.	.	PUNCT
hassl-4534	59	1	government	government	NOUN
hassl-4534	59	2	support	support	NOUN
hassl-4534	59	3	is	be	AUX
hassl-4534	59	4	required	require	VERB
hassl-4534	59	5	through	through	ADP
hassl-4534	59	6	the	the	DET
hassl-4534	59	7	distribution	distribution	NOUN
hassl-4534	59	8	of	of	ADP
hassl-4534	59	9	relief	relief	NOUN
hassl-4534	59	10	supplies	supply	NOUN
hassl-4534	59	11	to	to	PART
hassl-4534	59	12	improve	improve	VERB
hassl-4534	59	13	conditions	condition	NOUN
hassl-4534	59	14	after	after	ADP
hassl-4534	59	15	a	a	DET
hassl-4534	59	16	disaster	disaster	NOUN
hassl-4534	59	17	.	.	PUNCT
hassl-4534	60	1	as	as	ADV
hassl-4534	60	2	soon	soon	ADV
hassl-4534	60	3	as	as	SCONJ
hassl-4534	60	4	the	the	DET
hassl-4534	60	5	emergency	emergency	NOUN
hassl-4534	60	6	phase	phase	NOUN
hassl-4534	60	7	concludes	conclude	VERB
hassl-4534	60	8	,	,	PUNCT
hassl-4534	60	9	the	the	DET
hassl-4534	60	10	government	government	NOUN
hassl-4534	60	11	distributes	distribute	VERB
hassl-4534	60	12	aid	aid	NOUN
hassl-4534	60	13	.	.	PUNCT
hassl-4534	61	1	there	there	PRON
hassl-4534	61	2	are	be	VERB
hassl-4534	61	3	three	three	NUM
hassl-4534	61	4	categories	category	NOUN
hassl-4534	61	5	that	that	PRON
hassl-4534	61	6	result	result	VERB
hassl-4534	61	7	from	from	ADP
hassl-4534	61	8	natural	natural	ADJ
hassl-4534	61	9	disasters	disaster	NOUN
hassl-4534	61	10	(	(	PUNCT
hassl-4534	61	11	vu	vu	X
hassl-4534	61	12	&	&	CCONJ
hassl-4534	61	13	noy	noy	PROPN
hassl-4534	61	14	,	,	PUNCT
hassl-4534	61	15	2015	2015	NUM
hassl-4534	61	16	)	)	PUNCT
hassl-4534	61	17	people	people	NOUN
hassl-4534	61	18	killed	kill	VERB
hassl-4534	61	19	,	,	PUNCT
hassl-4534	61	20	houses	house	NOUN
hassl-4534	61	21	destroyed	destroy	VERB
hassl-4534	61	22	,	,	PUNCT
hassl-4534	61	23	and	and	CCONJ
hassl-4534	61	24	houses	house	NOUN
hassl-4534	61	25	damaged	damage	VERB
hassl-4534	61	26	.	.	PUNCT
hassl-4534	62	1	humanities	humanity	NOUN
hassl-4534	62	2	and	and	CCONJ
hassl-4534	62	3	social	social	ADJ
hassl-4534	62	4	sciences	science	NOUN
hassl-4534	62	5	letters	letter	NOUN
hassl-4534	62	6	,	,	PUNCT
hassl-4534	62	7	2025	2025	NUM
hassl-4534	62	8	,	,	PUNCT
hassl-4534	62	9	13(4	13(4	NUM
hassl-4534	62	10	):	):	PUNCT
hassl-4534	62	11	1584	1584	NUM
hassl-4534	62	12	-	-	SYM
hassl-4534	62	13	1595	1595	NUM
hassl-4534	62	14	1586	1586	NUM
hassl-4534	62	15	©	©	PROPN
hassl-4534	62	16	2025	2025	NUM
hassl-4534	62	17	conscientia	conscientia	PROPN
hassl-4534	62	18	beam	beam	PROPN
hassl-4534	62	19	.	.	PUNCT
hassl-4534	63	1	all	all	DET
hassl-4534	63	2	rights	right	NOUN
hassl-4534	63	3	reserved	reserve	VERB
hassl-4534	63	4	.	.	PUNCT
hassl-4534	64	1	banks	bank	NOUN
hassl-4534	64	2	play	play	VERB
hassl-4534	64	3	a	a	DET
hassl-4534	64	4	crucial	crucial	ADJ
hassl-4534	64	5	role	role	NOUN
hassl-4534	64	6	in	in	ADP
hassl-4534	64	7	a	a	DET
hassl-4534	64	8	country	country	NOUN
hassl-4534	64	9	's	's	PART
hassl-4534	64	10	economy	economy	NOUN
hassl-4534	64	11	as	as	ADP
hassl-4534	64	12	a	a	DET
hassl-4534	64	13	financial	financial	ADJ
hassl-4534	64	14	middleman	middleman	NOUN
hassl-4534	64	15	,	,	PUNCT
hassl-4534	64	16	serving	serve	VERB
hassl-4534	64	17	as	as	ADP
hassl-4534	64	18	the	the	DET
hassl-4534	64	19	backbone	backbone	NOUN
hassl-4534	64	20	of	of	ADP
hassl-4534	64	21	the	the	DET
hassl-4534	64	22	economy	economy	NOUN
hassl-4534	64	23	in	in	ADP
hassl-4534	64	24	all	all	DET
hassl-4534	64	25	nations	nation	NOUN
hassl-4534	64	26	.	.	PUNCT
hassl-4534	65	1	the	the	DET
hassl-4534	65	2	banking	banking	NOUN
hassl-4534	65	3	business	business	NOUN
hassl-4534	65	4	may	may	AUX
hassl-4534	65	5	be	be	AUX
hassl-4534	65	6	adversely	adversely	ADV
hassl-4534	65	7	affected	affect	VERB
hassl-4534	65	8	by	by	ADP
hassl-4534	65	9	natural	natural	ADJ
hassl-4534	65	10	disasters	disaster	NOUN
hassl-4534	65	11	through	through	ADP
hassl-4534	65	12	many	many	ADJ
hassl-4534	65	13	means	mean	NOUN
hassl-4534	65	14	(	(	PUNCT
hassl-4534	65	15	basel	basel	PROPN
hassl-4534	65	16	committee	committee	PROPN
hassl-4534	65	17	on	on	ADP
hassl-4534	65	18	banking	banking	NOUN
hassl-4534	65	19	supervision	supervision	NOUN
hassl-4534	65	20	,	,	PUNCT
hassl-4534	65	21	2010	2010	NUM
hassl-4534	65	22	)	)	PUNCT
hassl-4534	65	23	.	.	PUNCT
hassl-4534	66	1	initially	initially	ADV
hassl-4534	66	2	,	,	PUNCT
hassl-4534	66	3	it	it	PRON
hassl-4534	66	4	has	have	VERB
hassl-4534	66	5	the	the	DET
hassl-4534	66	6	capability	capability	NOUN
hassl-4534	66	7	to	to	PART
hassl-4534	66	8	hinder	hinder	VERB
hassl-4534	66	9	lenders	lender	NOUN
hassl-4534	66	10	from	from	ADP
hassl-4534	66	11	fulfilling	fulfil	VERB
hassl-4534	66	12	payments	payment	NOUN
hassl-4534	66	13	on	on	ADP
hassl-4534	66	14	current	current	ADJ
hassl-4534	66	15	debts	debt	NOUN
hassl-4534	66	16	.	.	PUNCT
hassl-4534	67	1	according	accord	VERB
hassl-4534	67	2	to	to	ADP
hassl-4534	67	3	brei	brei	PROPN
hassl-4534	67	4	et	et	PROPN
hassl-4534	67	5	al	al	PROPN
hassl-4534	67	6	.	.	PROPN
hassl-4534	68	1	(	(	PUNCT
hassl-4534	68	2	2019	2019	NUM
hassl-4534	68	3	)	)	PUNCT
hassl-4534	68	4	,	,	PUNCT
hassl-4534	68	5	this	this	PRON
hassl-4534	68	6	would	would	AUX
hassl-4534	68	7	immediately	immediately	ADV
hassl-4534	68	8	increase	increase	VERB
hassl-4534	68	9	the	the	DET
hassl-4534	68	10	percentage	percentage	NOUN
hassl-4534	68	11	of	of	ADP
hassl-4534	68	12	nonperforming	nonperforme	VERB
hassl-4534	68	13	loans	loan	NOUN
hassl-4534	68	14	.	.	PUNCT
hassl-4534	69	1	furthermore	furthermore	ADV
hassl-4534	69	2	,	,	PUNCT
hassl-4534	69	3	the	the	DET
hassl-4534	69	4	occurrence	occurrence	NOUN
hassl-4534	69	5	of	of	ADP
hassl-4534	69	6	disasters	disaster	NOUN
hassl-4534	69	7	is	be	AUX
hassl-4534	69	8	directly	directly	ADV
hassl-4534	69	9	associated	associate	VERB
hassl-4534	69	10	with	with	ADP
hassl-4534	69	11	an	an	DET
hassl-4534	69	12	increase	increase	NOUN
hassl-4534	69	13	in	in	ADP
hassl-4534	69	14	the	the	DET
hassl-4534	69	15	need	need	NOUN
hassl-4534	69	16	for	for	ADP
hassl-4534	69	17	financial	financial	ADJ
hassl-4534	69	18	resources	resource	NOUN
hassl-4534	69	19	from	from	ADP
hassl-4534	69	20	lenders	lender	NOUN
hassl-4534	69	21	and	and	CCONJ
hassl-4534	69	22	loans	loan	NOUN
hassl-4534	69	23	from	from	ADP
hassl-4534	69	24	enterprises	enterprise	NOUN
hassl-4534	69	25	and	and	CCONJ
hassl-4534	69	26	consumers	consumer	NOUN
hassl-4534	69	27	.	.	PUNCT
hassl-4534	70	1	these	these	DET
hassl-4534	70	2	losses	loss	NOUN
hassl-4534	70	3	exacerbate	exacerbate	VERB
hassl-4534	70	4	information	information	NOUN
hassl-4534	70	5	asymmetry	asymmetry	NOUN
hassl-4534	70	6	since	since	SCONJ
hassl-4534	70	7	historical	historical	ADJ
hassl-4534	70	8	performance	performance	NOUN
hassl-4534	70	9	may	may	AUX
hassl-4534	70	10	no	no	ADV
hassl-4534	70	11	longer	long	ADV
hassl-4534	70	12	serve	serve	VERB
hassl-4534	70	13	as	as	ADP
hassl-4534	70	14	a	a	DET
hassl-4534	70	15	dependable	dependable	ADJ
hassl-4534	70	16	predictor	predictor	NOUN
hassl-4534	70	17	of	of	ADP
hassl-4534	70	18	current	current	ADJ
hassl-4534	70	19	or	or	CCONJ
hassl-4534	70	20	future	future	ADJ
hassl-4534	70	21	performance	performance	NOUN
hassl-4534	70	22	(	(	PUNCT
hassl-4534	70	23	brei	brei	ADV
hassl-4534	70	24	et	et	PROPN
hassl-4534	70	25	al	al	PROPN
hassl-4534	70	26	.	.	PROPN
hassl-4534	70	27	,	,	PUNCT
hassl-4534	70	28	2019	2019	NUM
hassl-4534	70	29	)	)	PUNCT
hassl-4534	70	30	.	.	PUNCT
hassl-4534	71	1	both	both	DET
hassl-4534	71	2	households	household	NOUN
hassl-4534	71	3	and	and	CCONJ
hassl-4534	71	4	companies	company	NOUN
hassl-4534	71	5	would	would	AUX
hassl-4534	71	6	have	have	VERB
hassl-4534	71	7	significant	significant	ADJ
hassl-4534	71	8	challenges	challenge	NOUN
hassl-4534	71	9	in	in	ADP
hassl-4534	71	10	rebuilding	rebuild	VERB
hassl-4534	71	11	without	without	ADP
hassl-4534	71	12	access	access	NOUN
hassl-4534	71	13	to	to	ADP
hassl-4534	71	14	finance	finance	NOUN
hassl-4534	71	15	.	.	PUNCT
hassl-4534	72	1	additionally	additionally	ADV
hassl-4534	72	2	,	,	PUNCT
hassl-4534	72	3	local	local	ADJ
hassl-4534	72	4	lenders	lender	NOUN
hassl-4534	72	5	may	may	AUX
hassl-4534	72	6	struggle	struggle	VERB
hassl-4534	72	7	to	to	PART
hassl-4534	72	8	keep	keep	VERB
hassl-4534	72	9	up	up	ADP
hassl-4534	72	10	with	with	ADP
hassl-4534	72	11	the	the	DET
hassl-4534	72	12	increasing	increase	VERB
hassl-4534	72	13	demand	demand	NOUN
hassl-4534	72	14	for	for	ADP
hassl-4534	72	15	loans	loan	NOUN
hassl-4534	72	16	(	(	PUNCT
hassl-4534	72	17	loukil	loukil	PROPN
hassl-4534	72	18	&	&	CCONJ
hassl-4534	72	19	jarboui	jarboui	PROPN
hassl-4534	72	20	,	,	PUNCT
hassl-4534	72	21	2016	2016	NUM
hassl-4534	72	22	)	)	PUNCT
hassl-4534	72	23	.	.	PUNCT
hassl-4534	73	1	consequently	consequently	ADV
hassl-4534	73	2	,	,	PUNCT
hassl-4534	73	3	the	the	DET
hassl-4534	73	4	decrease	decrease	NOUN
hassl-4534	73	5	in	in	ADP
hassl-4534	73	6	loans	loan	NOUN
hassl-4534	73	7	leads	lead	VERB
hassl-4534	73	8	to	to	ADP
hassl-4534	73	9	a	a	DET
hassl-4534	73	10	fall	fall	NOUN
hassl-4534	73	11	in	in	ADP
hassl-4534	73	12	bank	bank	NOUN
hassl-4534	73	13	income	income	NOUN
hassl-4534	73	14	.	.	PUNCT
hassl-4534	74	1	this	this	DET
hassl-4534	74	2	uncertainty	uncertainty	NOUN
hassl-4534	74	3	and	and	CCONJ
hassl-4534	74	4	financial	financial	ADJ
hassl-4534	74	5	stress	stress	NOUN
hassl-4534	74	6	caused	cause	VERB
hassl-4534	74	7	by	by	ADP
hassl-4534	74	8	the	the	DET
hassl-4534	74	9	disaster	disaster	NOUN
hassl-4534	74	10	can	can	AUX
hassl-4534	74	11	increase	increase	VERB
hassl-4534	74	12	banks	bank	NOUN
hassl-4534	74	13	'	'	PART
hassl-4534	74	14	non	non	ADJ
hassl-4534	74	15	-	-	ADJ
hassl-4534	74	16	performing	perform	VERB
hassl-4534	74	17	loans	loan	NOUN
hassl-4534	74	18	.	.	PUNCT
hassl-4534	75	1	according	accord	VERB
hassl-4534	75	2	to	to	ADP
hassl-4534	75	3	the	the	DET
hassl-4534	75	4	basel	basel	PROPN
hassl-4534	75	5	iii	iii	PROPN
hassl-4534	75	6	framework	framework	NOUN
hassl-4534	75	7	,	,	PUNCT
hassl-4534	75	8	credit	credit	NOUN
hassl-4534	75	9	risk	risk	NOUN
hassl-4534	75	10	refers	refer	VERB
hassl-4534	75	11	to	to	ADP
hassl-4534	75	12	the	the	DET
hassl-4534	75	13	possibility	possibility	NOUN
hassl-4534	75	14	that	that	SCONJ
hassl-4534	75	15	a	a	DET
hassl-4534	75	16	borrower	borrower	NOUN
hassl-4534	75	17	or	or	CCONJ
hassl-4534	75	18	counterparty	counterparty	NOUN
hassl-4534	75	19	of	of	ADP
hassl-4534	75	20	a	a	DET
hassl-4534	75	21	bank	bank	NOUN
hassl-4534	75	22	may	may	AUX
hassl-4534	75	23	fail	fail	VERB
hassl-4534	75	24	to	to	PART
hassl-4534	75	25	meet	meet	VERB
hassl-4534	75	26	its	its	PRON
hassl-4534	75	27	obligations	obligation	NOUN
hassl-4534	75	28	as	as	SCONJ
hassl-4534	75	29	specified	specify	VERB
hassl-4534	75	30	in	in	ADP
hassl-4534	75	31	the	the	DET
hassl-4534	75	32	agreement	agreement	NOUN
hassl-4534	75	33	.	.	PUNCT
hassl-4534	76	1	consequently	consequently	ADV
hassl-4534	76	2	,	,	PUNCT
hassl-4534	76	3	this	this	DET
hassl-4534	76	4	study	study	NOUN
hassl-4534	76	5	employs	employ	VERB
hassl-4534	76	6	non	non	ADJ
hassl-4534	76	7	-	-	ADJ
hassl-4534	76	8	performing	performing	ADJ
hassl-4534	76	9	loans	loan	NOUN
hassl-4534	76	10	as	as	ADP
hassl-4534	76	11	a	a	DET
hassl-4534	76	12	substitute	substitute	NOUN
hassl-4534	76	13	for	for	ADP
hassl-4534	76	14	credit	credit	NOUN
hassl-4534	76	15	risk	risk	NOUN
hassl-4534	76	16	.	.	PUNCT
hassl-4534	77	1	the	the	DET
hassl-4534	77	2	level	level	NOUN
hassl-4534	77	3	of	of	ADP
hassl-4534	77	4	non	non	ADJ
hassl-4534	77	5	-	-	ADJ
hassl-4534	77	6	performing	performing	ADJ
hassl-4534	77	7	loans	loan	NOUN
hassl-4534	77	8	is	be	AUX
hassl-4534	77	9	crucial	crucial	ADJ
hassl-4534	77	10	for	for	ADP
hassl-4534	77	11	risk	risk	NOUN
hassl-4534	77	12	management	management	NOUN
hassl-4534	77	13	protocols	protocol	NOUN
hassl-4534	77	14	and	and	CCONJ
hassl-4534	77	15	the	the	DET
hassl-4534	77	16	stability	stability	NOUN
hassl-4534	77	17	of	of	ADP
hassl-4534	77	18	the	the	DET
hassl-4534	77	19	banking	banking	NOUN
hassl-4534	77	20	sector	sector	NOUN
hassl-4534	77	21	(	(	PUNCT
hassl-4534	77	22	chen	chen	PROPN
hassl-4534	77	23	et	et	PROPN
hassl-4534	77	24	al	al	PROPN
hassl-4534	77	25	.	.	PROPN
hassl-4534	77	26	,	,	PUNCT
hassl-4534	77	27	2023	2023	NUM
hassl-4534	77	28	)	)	PUNCT
hassl-4534	77	29	.	.	PUNCT
hassl-4534	78	1	a	a	DET
hassl-4534	78	2	body	body	NOUN
hassl-4534	78	3	of	of	ADP
hassl-4534	78	4	accounting	accounting	NOUN
hassl-4534	78	5	literature	literature	NOUN
hassl-4534	78	6	has	have	AUX
hassl-4534	78	7	examined	examine	VERB
hassl-4534	78	8	the	the	DET
hassl-4534	78	9	impact	impact	NOUN
hassl-4534	78	10	of	of	ADP
hassl-4534	78	11	natural	natural	ADJ
hassl-4534	78	12	disasters	disaster	NOUN
hassl-4534	78	13	on	on	ADP
hassl-4534	78	14	the	the	DET
hassl-4534	78	15	financial	financial	ADJ
hassl-4534	78	16	industry	industry	NOUN
hassl-4534	78	17	through	through	ADP
hassl-4534	78	18	the	the	DET
hassl-4534	78	19	analysis	analysis	NOUN
hassl-4534	78	20	of	of	ADP
hassl-4534	78	21	empirical	empirical	ADJ
hassl-4534	78	22	data	datum	NOUN
hassl-4534	78	23	.	.	PUNCT
hassl-4534	79	1	for	for	ADP
hassl-4534	79	2	example	example	NOUN
hassl-4534	79	3	,	,	PUNCT
hassl-4534	79	4	klomp	klomp	PROPN
hassl-4534	79	5	(	(	PUNCT
hassl-4534	79	6	2014	2014	NUM
hassl-4534	79	7	)	)	PUNCT
hassl-4534	79	8	examined	examine	VERB
hassl-4534	79	9	the	the	DET
hassl-4534	79	10	impact	impact	NOUN
hassl-4534	79	11	of	of	ADP
hassl-4534	79	12	major	major	ADJ
hassl-4534	79	13	natural	natural	ADJ
hassl-4534	79	14	disasters	disaster	NOUN
hassl-4534	79	15	on	on	ADP
hassl-4534	79	16	commercial	commercial	ADJ
hassl-4534	79	17	banks	bank	NOUN
hassl-4534	79	18	'	'	PART
hassl-4534	79	19	distance	distance	NOUN
hassl-4534	79	20	-	-	PUNCT
hassl-4534	79	21	to	to	ADP
hassl-4534	79	22	-	-	PUNCT
hassl-4534	79	23	default	default	NOUN
hassl-4534	79	24	metric	metric	NOUN
hassl-4534	79	25	.	.	PUNCT
hassl-4534	80	1	his	his	PRON
hassl-4534	80	2	study	study	NOUN
hassl-4534	80	3	shows	show	VERB
hassl-4534	80	4	that	that	SCONJ
hassl-4534	80	5	natural	natural	ADJ
hassl-4534	80	6	disasters	disaster	NOUN
hassl-4534	80	7	raise	raise	VERB
hassl-4534	80	8	the	the	DET
hassl-4534	80	9	probability	probability	NOUN
hassl-4534	80	10	of	of	ADP
hassl-4534	80	11	a	a	DET
hassl-4534	80	12	bank	bank	NOUN
hassl-4534	80	13	's	's	PART
hassl-4534	80	14	failure	failure	NOUN
hassl-4534	80	15	.	.	PUNCT
hassl-4534	81	1	his	his	PRON
hassl-4534	81	2	analysis	analysis	NOUN
hassl-4534	81	3	indicates	indicate	VERB
hassl-4534	81	4	that	that	SCONJ
hassl-4534	81	5	geophysical	geophysical	ADJ
hassl-4534	81	6	and	and	CCONJ
hassl-4534	81	7	meteorological	meteorological	ADJ
hassl-4534	81	8	disasters	disaster	NOUN
hassl-4534	81	9	have	have	VERB
hassl-4534	81	10	the	the	DET
hassl-4534	81	11	greatest	great	ADJ
hassl-4534	81	12	impact	impact	NOUN
hassl-4534	81	13	on	on	ADP
hassl-4534	81	14	reducing	reduce	VERB
hassl-4534	81	15	the	the	DET
hassl-4534	81	16	distance	distance	NOUN
hassl-4534	81	17	to	to	PART
hassl-4534	81	18	default	default	VERB
hassl-4534	81	19	because	because	SCONJ
hassl-4534	81	20	of	of	ADP
hassl-4534	81	21	the	the	DET
hassl-4534	81	22	extensive	extensive	ADJ
hassl-4534	81	23	damage	damage	NOUN
hassl-4534	81	24	they	they	PRON
hassl-4534	81	25	produce	produce	VERB
hassl-4534	81	26	.	.	PUNCT
hassl-4534	82	1	the	the	DET
hassl-4534	82	2	magnitude	magnitude	NOUN
hassl-4534	82	3	and	and	CCONJ
hassl-4534	82	4	extent	extent	NOUN
hassl-4534	82	5	of	of	ADP
hassl-4534	82	6	the	the	DET
hassl-4534	82	7	consequences	consequence	NOUN
hassl-4534	82	8	of	of	ADP
hassl-4534	82	9	a	a	DET
hassl-4534	82	10	natural	natural	ADJ
hassl-4534	82	11	disaster	disaster	NOUN
hassl-4534	82	12	are	be	AUX
hassl-4534	82	13	contingent	contingent	ADJ
hassl-4534	82	14	upon	upon	SCONJ
hassl-4534	82	15	the	the	DET
hassl-4534	82	16	scale	scale	NOUN
hassl-4534	82	17	and	and	CCONJ
hassl-4534	82	18	severity	severity	NOUN
hassl-4534	82	19	of	of	ADP
hassl-4534	82	20	the	the	DET
hassl-4534	82	21	disasters	disaster	NOUN
hassl-4534	82	22	,	,	PUNCT
hassl-4534	82	23	the	the	DET
hassl-4534	82	24	strictness	strictness	NOUN
hassl-4534	82	25	of	of	ADP
hassl-4534	82	26	financial	financial	ADJ
hassl-4534	82	27	oversight	oversight	NOUN
hassl-4534	82	28	and	and	CCONJ
hassl-4534	82	29	monitoring	monitoring	NOUN
hassl-4534	82	30	,	,	PUNCT
hassl-4534	82	31	and	and	CCONJ
hassl-4534	82	32	the	the	DET
hassl-4534	82	33	degree	degree	NOUN
hassl-4534	82	34	of	of	ADP
hassl-4534	82	35	financial	financial	ADJ
hassl-4534	82	36	and	and	CCONJ
hassl-4534	82	37	economic	economic	ADJ
hassl-4534	82	38	advancement	advancement	NOUN
hassl-4534	82	39	of	of	ADP
hassl-4534	82	40	a	a	DET
hassl-4534	82	41	certain	certain	ADJ
hassl-4534	82	42	nation	nation	NOUN
hassl-4534	82	43	.	.	PUNCT
hassl-4534	83	1	he	he	PRON
hassl-4534	83	2	concludes	conclude	VERB
hassl-4534	83	3	that	that	SCONJ
hassl-4534	83	4	natural	natural	ADJ
hassl-4534	83	5	disasters	disaster	NOUN
hassl-4534	83	6	will	will	AUX
hassl-4534	83	7	lead	lead	VERB
hassl-4534	83	8	to	to	ADP
hassl-4534	83	9	a	a	DET
hassl-4534	83	10	higher	high	ADJ
hassl-4534	83	11	likelihood	likelihood	NOUN
hassl-4534	83	12	of	of	ADP
hassl-4534	83	13	credit	credit	NOUN
hassl-4534	83	14	defaults	default	NOUN
hassl-4534	83	15	for	for	ADP
hassl-4534	83	16	several	several	ADJ
hassl-4534	83	17	reasons	reason	NOUN
hassl-4534	83	18	,	,	PUNCT
hassl-4534	83	19	including	include	VERB
hassl-4534	83	20	financial	financial	ADJ
hassl-4534	83	21	regulation	regulation	NOUN
hassl-4534	83	22	,	,	PUNCT
hassl-4534	83	23	financial	financial	ADJ
hassl-4534	83	24	and	and	CCONJ
hassl-4534	83	25	economic	economic	ADJ
hassl-4534	83	26	activity	activity	NOUN
hassl-4534	83	27	,	,	PUNCT
hassl-4534	83	28	and	and	CCONJ
hassl-4534	83	29	the	the	DET
hassl-4534	83	30	intensity	intensity	NOUN
hassl-4534	83	31	of	of	ADP
hassl-4534	83	32	the	the	DET
hassl-4534	83	33	disaster	disaster	NOUN
hassl-4534	83	34	.	.	PUNCT
hassl-4534	84	1	his	his	PRON
hassl-4534	84	2	findings	finding	NOUN
hassl-4534	84	3	align	align	VERB
hassl-4534	84	4	with	with	ADP
hassl-4534	84	5	those	those	PRON
hassl-4534	84	6	of	of	ADP
hassl-4534	84	7	kousky	kousky	NOUN
hassl-4534	84	8	,	,	PUNCT
hassl-4534	84	9	palim	palim	NOUN
hassl-4534	84	10	,	,	PUNCT
hassl-4534	84	11	and	and	CCONJ
hassl-4534	84	12	pan	pan	NOUN
hassl-4534	84	13	(	(	PUNCT
hassl-4534	84	14	2020	2020	NUM
hassl-4534	84	15	)	)	PUNCT
hassl-4534	84	16	who	who	PRON
hassl-4534	84	17	found	find	VERB
hassl-4534	84	18	that	that	SCONJ
hassl-4534	84	19	natural	natural	ADJ
hassl-4534	84	20	disasters	disaster	NOUN
hassl-4534	84	21	,	,	PUNCT
hassl-4534	84	22	particularly	particularly	ADV
hassl-4534	84	23	floods	flood	NOUN
hassl-4534	84	24	have	have	VERB
hassl-4534	84	25	a	a	DET
hassl-4534	84	26	more	more	ADV
hassl-4534	84	27	severe	severe	ADJ
hassl-4534	84	28	impact	impact	NOUN
hassl-4534	84	29	on	on	ADP
hassl-4534	84	30	mortgage	mortgage	NOUN
hassl-4534	84	31	credit	credit	NOUN
hassl-4534	84	32	.	.	PUNCT
hassl-4534	85	1	other	other	ADJ
hassl-4534	85	2	studies	study	NOUN
hassl-4534	85	3	,	,	PUNCT
hassl-4534	85	4	such	such	ADJ
hassl-4534	85	5	as	as	ADP
hassl-4534	85	6	brei	brei	PROPN
hassl-4534	85	7	et	et	PROPN
hassl-4534	85	8	al	al	PROPN
hassl-4534	85	9	.	.	PROPN
hassl-4534	85	10	(	(	PUNCT
hassl-4534	85	11	2019	2019	NUM
hassl-4534	85	12	)	)	PUNCT
hassl-4534	85	13	confirmed	confirm	VERB
hassl-4534	85	14	that	that	SCONJ
hassl-4534	85	15	natural	natural	ADJ
hassl-4534	85	16	disasters	disaster	NOUN
hassl-4534	85	17	and	and	CCONJ
hassl-4534	85	18	large	large	ADJ
hassl-4534	85	19	-	-	PUNCT
hassl-4534	85	20	scale	scale	NOUN
hassl-4534	85	21	withdrawals	withdrawal	NOUN
hassl-4534	85	22	of	of	ADP
hassl-4534	85	23	deposits	deposit	NOUN
hassl-4534	85	24	may	may	AUX
hassl-4534	85	25	significantly	significantly	ADV
hassl-4534	85	26	disrupt	disrupt	VERB
hassl-4534	85	27	the	the	DET
hassl-4534	85	28	bank	bank	NOUN
hassl-4534	85	29	financing	financing	NOUN
hassl-4534	85	30	mechanism	mechanism	NOUN
hassl-4534	85	31	.	.	PUNCT
hassl-4534	86	1	there	there	PRON
hassl-4534	86	2	is	be	VERB
hassl-4534	86	3	no	no	DET
hassl-4534	86	4	evidence	evidence	NOUN
hassl-4534	86	5	of	of	ADP
hassl-4534	86	6	a	a	DET
hassl-4534	86	7	decline	decline	NOUN
hassl-4534	86	8	in	in	ADP
hassl-4534	86	9	loan	loan	NOUN
hassl-4534	86	10	defaults	default	NOUN
hassl-4534	86	11	or	or	CCONJ
hassl-4534	86	12	bank	bank	NOUN
hassl-4534	86	13	capital	capital	NOUN
hassl-4534	86	14	.	.	PUNCT
hassl-4534	87	1	accounting	accounting	NOUN
hassl-4534	87	2	literature	literature	PROPN
hassl-4534	87	3	has	have	AUX
hassl-4534	87	4	also	also	ADV
hassl-4534	87	5	analysed	analyse	VERB
hassl-4534	87	6	the	the	DET
hassl-4534	87	7	banking	banking	NOUN
hassl-4534	87	8	industry	industry	NOUN
hassl-4534	87	9	's	's	PART
hassl-4534	87	10	response	response	NOUN
hassl-4534	87	11	to	to	ADP
hassl-4534	87	12	the	the	DET
hassl-4534	87	13	aftermath	aftermath	NOUN
hassl-4534	87	14	of	of	ADP
hassl-4534	87	15	disasters	disaster	NOUN
hassl-4534	87	16	.	.	PUNCT
hassl-4534	88	1	for	for	ADP
hassl-4534	88	2	example	example	NOUN
hassl-4534	88	3	,	,	PUNCT
hassl-4534	88	4	schüwer	schüwer	X
hassl-4534	88	5	et	et	PROPN
hassl-4534	88	6	al	al	PROPN
hassl-4534	88	7	.	.	PROPN
hassl-4534	89	1	(	(	PUNCT
hassl-4534	89	2	2019	2019	NUM
hassl-4534	89	3	)	)	PUNCT
hassl-4534	89	4	discovered	discover	VERB
hassl-4534	89	5	that	that	SCONJ
hassl-4534	89	6	banks	bank	NOUN
hassl-4534	89	7	located	locate	VERB
hassl-4534	89	8	in	in	ADP
hassl-4534	89	9	areas	area	NOUN
hassl-4534	89	10	prone	prone	ADJ
hassl-4534	89	11	to	to	ADP
hassl-4534	89	12	natural	natural	ADJ
hassl-4534	89	13	disasters	disaster	NOUN
hassl-4534	89	14	preferred	prefer	VERB
hassl-4534	89	15	to	to	PART
hassl-4534	89	16	increase	increase	VERB
hassl-4534	89	17	their	their	PRON
hassl-4534	89	18	risk	risk	NOUN
hassl-4534	89	19	-	-	PUNCT
hassl-4534	89	20	based	base	VERB
hassl-4534	89	21	capital	capital	NOUN
hassl-4534	89	22	ratios	ratio	NOUN
hassl-4534	89	23	after	after	ADP
hassl-4534	89	24	hurricane	hurricane	PROPN
hassl-4534	89	25	katrina	katrina	PROPN
hassl-4534	89	26	in	in	ADP
hassl-4534	89	27	caribbean	caribbean	ADJ
hassl-4534	89	28	countries	country	NOUN
hassl-4534	89	29	.	.	PUNCT
hassl-4534	90	1	the	the	DET
hassl-4534	90	2	bank	bank	NOUN
hassl-4534	90	3	's	's	PART
hassl-4534	90	4	response	response	NOUN
hassl-4534	90	5	to	to	ADP
hassl-4534	90	6	natural	natural	ADJ
hassl-4534	90	7	disasters	disaster	NOUN
hassl-4534	90	8	is	be	AUX
hassl-4534	90	9	reflected	reflect	VERB
hassl-4534	90	10	in	in	ADP
hassl-4534	90	11	conflicting	conflicting	ADJ
hassl-4534	90	12	results	result	NOUN
hassl-4534	90	13	.	.	PUNCT
hassl-4534	91	1	brei	brei	ADV
hassl-4534	91	2	et	et	PROPN
hassl-4534	91	3	al	al	PROPN
hassl-4534	91	4	.	.	PROPN
hassl-4534	92	1	(	(	PUNCT
hassl-4534	92	2	2019	2019	NUM
hassl-4534	92	3	)	)	PUNCT
hassl-4534	92	4	determined	determine	VERB
hassl-4534	92	5	that	that	SCONJ
hassl-4534	92	6	banks	bank	NOUN
hassl-4534	92	7	are	be	AUX
hassl-4534	92	8	reducing	reduce	VERB
hassl-4534	92	9	their	their	PRON
hassl-4534	92	10	lending	lending	NOUN
hassl-4534	92	11	capacity	capacity	NOUN
hassl-4534	92	12	and	and	CCONJ
hassl-4534	92	13	liquid	liquid	ADJ
hassl-4534	92	14	assets	asset	NOUN
hassl-4534	92	15	to	to	PART
hassl-4534	92	16	mitigate	mitigate	VERB
hassl-4534	92	17	further	further	ADJ
hassl-4534	92	18	losses	loss	NOUN
hassl-4534	92	19	.	.	PUNCT
hassl-4534	93	1	this	this	DET
hassl-4534	93	2	finding	finding	NOUN
hassl-4534	93	3	is	be	AUX
hassl-4534	93	4	supported	support	VERB
hassl-4534	93	5	by	by	ADP
hassl-4534	93	6	garmaise	garmaise	PROPN
hassl-4534	93	7	and	and	CCONJ
hassl-4534	93	8	moskowitz	moskowitz	PROPN
hassl-4534	93	9	(	(	PUNCT
hassl-4534	93	10	2009	2009	NUM
hassl-4534	93	11	)	)	PUNCT
hassl-4534	93	12	who	who	PRON
hassl-4534	93	13	found	find	VERB
hassl-4534	93	14	a	a	DET
hassl-4534	93	15	20	20	NUM
hassl-4534	93	16	%	%	NOUN
hassl-4534	93	17	decrease	decrease	NOUN
hassl-4534	93	18	in	in	ADP
hassl-4534	93	19	the	the	DET
hassl-4534	93	20	availability	availability	NOUN
hassl-4534	93	21	of	of	ADP
hassl-4534	93	22	commercial	commercial	ADJ
hassl-4534	93	23	real	real	ADJ
hassl-4534	93	24	estate	estate	NOUN
hassl-4534	93	25	loans	loan	NOUN
hassl-4534	93	26	after	after	ADP
hassl-4534	93	27	the	the	DET
hassl-4534	93	28	1994	1994	NUM
hassl-4534	93	29	northridge	northridge	PROPN
hassl-4534	93	30	,	,	PUNCT
hassl-4534	93	31	california	california	PROPN
hassl-4534	93	32	,	,	PUNCT
hassl-4534	93	33	earthquake	earthquake	NOUN
hassl-4534	93	34	.	.	PUNCT
hassl-4534	94	1	cortés	cortés	NOUN
hassl-4534	94	2	and	and	CCONJ
hassl-4534	94	3	strahan	strahan	PROPN
hassl-4534	94	4	(	(	PUNCT
hassl-4534	94	5	2017	2017	NUM
hassl-4534	94	6	)	)	PUNCT
hassl-4534	94	7	show	show	NOUN
hassl-4534	94	8	in	in	ADP
hassl-4534	94	9	their	their	PRON
hassl-4534	94	10	study	study	NOUN
hassl-4534	94	11	that	that	SCONJ
hassl-4534	94	12	multi	multi	ADJ
hassl-4534	94	13	-	-	ADJ
hassl-4534	94	14	market	market	ADJ
hassl-4534	94	15	banks	bank	NOUN
hassl-4534	94	16	strategically	strategically	ADV
hassl-4534	94	17	allocate	allocate	VERB
hassl-4534	94	18	their	their	PRON
hassl-4534	94	19	funds	fund	NOUN
hassl-4534	94	20	to	to	ADP
hassl-4534	94	21	disaster	disaster	NOUN
hassl-4534	94	22	-	-	PUNCT
hassl-4534	94	23	affected	affect	VERB
hassl-4534	94	24	areas	area	NOUN
hassl-4534	94	25	with	with	ADP
hassl-4534	94	26	high	high	ADJ
hassl-4534	94	27	credit	credit	NOUN
hassl-4534	94	28	demand	demand	NOUN
hassl-4534	94	29	,	,	PUNCT
hassl-4534	94	30	thereby	thereby	ADV
hassl-4534	94	31	enhancing	enhance	VERB
hassl-4534	94	32	the	the	DET
hassl-4534	94	33	availability	availability	NOUN
hassl-4534	94	34	of	of	ADP
hassl-4534	94	35	short	short	ADJ
hassl-4534	94	36	-	-	PUNCT
hassl-4534	94	37	term	term	NOUN
hassl-4534	94	38	loans	loan	NOUN
hassl-4534	94	39	.	.	PUNCT
hassl-4534	95	1	the	the	DET
hassl-4534	95	2	findings	finding	NOUN
hassl-4534	95	3	of	of	ADP
hassl-4534	95	4	these	these	DET
hassl-4534	95	5	studies	study	NOUN
hassl-4534	95	6	show	show	VERB
hassl-4534	95	7	that	that	SCONJ
hassl-4534	95	8	natural	natural	ADJ
hassl-4534	95	9	disasters	disaster	NOUN
hassl-4534	95	10	have	have	VERB
hassl-4534	95	11	a	a	DET
hassl-4534	95	12	profound	profound	ADJ
hassl-4534	95	13	impact	impact	NOUN
hassl-4534	95	14	on	on	ADP
hassl-4534	95	15	industry	industry	NOUN
hassl-4534	95	16	and	and	CCONJ
hassl-4534	95	17	the	the	DET
hassl-4534	95	18	residents	resident	NOUN
hassl-4534	95	19	of	of	ADP
hassl-4534	95	20	the	the	DET
hassl-4534	95	21	affected	affected	ADJ
hassl-4534	95	22	region	region	NOUN
hassl-4534	95	23	.	.	PUNCT
hassl-4534	96	1	according	accord	VERB
hassl-4534	96	2	to	to	ADP
hassl-4534	96	3	keerthiratne	keerthiratne	PROPN
hassl-4534	96	4	and	and	CCONJ
hassl-4534	96	5	tol	tol	NOUN
hassl-4534	96	6	(	(	PUNCT
hassl-4534	96	7	2017	2017	NUM
hassl-4534	96	8	)	)	PUNCT
hassl-4534	96	9	,	,	PUNCT
hassl-4534	96	10	companies	company	NOUN
hassl-4534	96	11	and	and	CCONJ
hassl-4534	96	12	people	people	NOUN
hassl-4534	96	13	see	see	VERB
hassl-4534	96	14	an	an	DET
hassl-4534	96	15	increase	increase	NOUN
hassl-4534	96	16	in	in	ADP
hassl-4534	96	17	debt	debt	NOUN
hassl-4534	96	18	after	after	ADP
hassl-4534	96	19	a	a	DET
hassl-4534	96	20	natural	natural	ADJ
hassl-4534	96	21	disaster	disaster	NOUN
hassl-4534	96	22	.	.	PUNCT
hassl-4534	97	1	therefore	therefore	ADV
hassl-4534	97	2	,	,	PUNCT
hassl-4534	97	3	individuals	individual	NOUN
hassl-4534	97	4	need	need	VERB
hassl-4534	97	5	additional	additional	ADJ
hassl-4534	97	6	financial	financial	ADJ
hassl-4534	97	7	resources	resource	NOUN
hassl-4534	97	8	to	to	PART
hassl-4534	97	9	recuperate	recuperate	VERB
hassl-4534	97	10	from	from	ADP
hassl-4534	97	11	the	the	DET
hassl-4534	97	12	devastation	devastation	NOUN
hassl-4534	97	13	inflicted	inflict	VERB
hassl-4534	97	14	by	by	ADP
hassl-4534	97	15	natural	natural	ADJ
hassl-4534	97	16	calamities	calamity	NOUN
hassl-4534	97	17	.	.	PUNCT
hassl-4534	98	1	del	del	PROPN
hassl-4534	98	2	ninno	ninno	PROPN
hassl-4534	98	3	et	et	PROPN
hassl-4534	98	4	al	al	PROPN
hassl-4534	98	5	.	.	PROPN
hassl-4534	99	1	(	(	PUNCT
hassl-4534	99	2	2003	2003	NUM
hassl-4534	99	3	)	)	PUNCT
hassl-4534	99	4	provide	provide	VERB
hassl-4534	99	5	evidence	evidence	NOUN
hassl-4534	99	6	to	to	PART
hassl-4534	99	7	support	support	VERB
hassl-4534	99	8	the	the	DET
hassl-4534	99	9	claim	claim	NOUN
hassl-4534	99	10	that	that	SCONJ
hassl-4534	99	11	households	household	NOUN
hassl-4534	99	12	in	in	ADP
hassl-4534	99	13	bangladesh	bangladesh	NOUN
hassl-4534	99	14	experienced	experience	VERB
hassl-4534	99	15	an	an	DET
hassl-4534	99	16	increase	increase	NOUN
hassl-4534	99	17	in	in	ADP
hassl-4534	99	18	credit	credit	NOUN
hassl-4534	99	19	demand	demand	NOUN
hassl-4534	99	20	following	follow	VERB
hassl-4534	99	21	a	a	DET
hassl-4534	99	22	flood	flood	NOUN
hassl-4534	99	23	disaster	disaster	NOUN
hassl-4534	99	24	.	.	PUNCT
hassl-4534	100	1	sawada	sawada	NOUN
hassl-4534	100	2	and	and	CCONJ
hassl-4534	100	3	shimizutani	shimizutani	PROPN
hassl-4534	100	4	(	(	PUNCT
hassl-4534	100	5	2008	2008	NUM
hassl-4534	100	6	)	)	PUNCT
hassl-4534	100	7	observe	observe	VERB
hassl-4534	100	8	that	that	SCONJ
hassl-4534	100	9	borrowing	borrow	VERB
hassl-4534	100	10	money	money	NOUN
hassl-4534	100	11	from	from	ADP
hassl-4534	100	12	banks	bank	NOUN
hassl-4534	100	13	was	be	AUX
hassl-4534	100	14	a	a	DET
hassl-4534	100	15	common	common	ADJ
hassl-4534	100	16	practice	practice	NOUN
hassl-4534	100	17	for	for	ADP
hassl-4534	100	18	recovering	recover	VERB
hassl-4534	100	19	damages	damage	NOUN
hassl-4534	100	20	caused	cause	VERB
hassl-4534	100	21	by	by	ADP
hassl-4534	100	22	the	the	DET
hassl-4534	100	23	great	great	ADJ
hassl-4534	100	24	hansin	hansin	NOUN
hassl-4534	100	25	earthquakes	earthquake	NOUN
hassl-4534	100	26	.	.	PUNCT
hassl-4534	101	1	the	the	DET
hassl-4534	101	2	declining	decline	VERB
hassl-4534	101	3	probability	probability	NOUN
hassl-4534	101	4	of	of	ADP
hassl-4534	101	5	loan	loan	NOUN
hassl-4534	101	6	acceptance	acceptance	NOUN
hassl-4534	101	7	due	due	ADP
hassl-4534	101	8	to	to	ADP
hassl-4534	101	9	natural	natural	ADJ
hassl-4534	101	10	disasters	disaster	NOUN
hassl-4534	101	11	limits	limit	VERB
hassl-4534	101	12	the	the	DET
hassl-4534	101	13	growing	grow	VERB
hassl-4534	101	14	need	need	NOUN
hassl-4534	101	15	for	for	ADP
hassl-4534	101	16	credit	credit	NOUN
hassl-4534	101	17	(	(	PUNCT
hassl-4534	101	18	berg	berg	PROPN
hassl-4534	101	19	&	&	CCONJ
hassl-4534	101	20	schrader	schrader	PROPN
hassl-4534	101	21	,	,	PUNCT
hassl-4534	101	22	2012	2012	NUM
hassl-4534	101	23	)	)	PUNCT
hassl-4534	101	24	.	.	PUNCT
hassl-4534	102	1	in	in	ADP
hassl-4534	102	2	their	their	PRON
hassl-4534	102	3	study	study	NOUN
hassl-4534	102	4	,	,	PUNCT
hassl-4534	102	5	chen	chen	PROPN
hassl-4534	102	6	and	and	CCONJ
hassl-4534	102	7	chang	chang	PROPN
hassl-4534	102	8	(	(	PUNCT
hassl-4534	102	9	2021	2021	NUM
hassl-4534	102	10	)	)	PUNCT
hassl-4534	102	11	discover	discover	VERB
hassl-4534	102	12	that	that	SCONJ
hassl-4534	102	13	natural	natural	ADJ
hassl-4534	102	14	disasters	disaster	NOUN
hassl-4534	102	15	have	have	VERB
hassl-4534	102	16	a	a	DET
hassl-4534	102	17	significant	significant	ADJ
hassl-4534	102	18	influence	influence	NOUN
hassl-4534	102	19	humanities	humanity	NOUN
hassl-4534	102	20	and	and	CCONJ
hassl-4534	102	21	social	social	ADJ
hassl-4534	102	22	sciences	science	NOUN
hassl-4534	102	23	letters	letter	NOUN
hassl-4534	102	24	,	,	PUNCT
hassl-4534	102	25	2025	2025	NUM
hassl-4534	102	26	,	,	PUNCT
hassl-4534	102	27	13(4	13(4	NUM
hassl-4534	102	28	):	):	PUNCT
hassl-4534	102	29	1584	1584	NUM
hassl-4534	102	30	-	-	SYM
hassl-4534	102	31	1595	1595	NUM
hassl-4534	102	32	1587	1587	NUM
hassl-4534	102	33	©	©	PROPN
hassl-4534	102	34	2025	2025	NUM
hassl-4534	102	35	conscientia	conscientia	PROPN
hassl-4534	102	36	beam	beam	PROPN
hassl-4534	102	37	.	.	PUNCT
hassl-4534	103	1	all	all	DET
hassl-4534	103	2	rights	right	NOUN
hassl-4534	103	3	reserved	reserve	VERB
hassl-4534	103	4	.	.	PUNCT
hassl-4534	104	1	on	on	ADP
hassl-4534	104	2	the	the	DET
hassl-4534	104	3	banking	banking	NOUN
hassl-4534	104	4	system	system	NOUN
hassl-4534	104	5	and	and	CCONJ
hassl-4534	104	6	may	may	AUX
hassl-4534	104	7	cause	cause	VERB
hassl-4534	104	8	severe	severe	ADJ
hassl-4534	104	9	disruptions	disruption	NOUN
hassl-4534	104	10	to	to	ADP
hassl-4534	104	11	the	the	DET
hassl-4534	104	12	wider	wide	ADJ
hassl-4534	104	13	financial	financial	ADJ
hassl-4534	104	14	system	system	NOUN
hassl-4534	104	15	,	,	PUNCT
hassl-4534	104	16	including	include	VERB
hassl-4534	104	17	banking	banking	NOUN
hassl-4534	104	18	institutions	institution	NOUN
hassl-4534	104	19	,	,	PUNCT
hassl-4534	104	20	insurance	insurance	NOUN
hassl-4534	104	21	systems	system	NOUN
hassl-4534	104	22	,	,	PUNCT
hassl-4534	104	23	and	and	CCONJ
hassl-4534	104	24	share	share	NOUN
hassl-4534	104	25	markets	market	NOUN
hassl-4534	104	26	.	.	PUNCT
hassl-4534	105	1	these	these	DET
hassl-4534	105	2	studies	study	NOUN
hassl-4534	105	3	have	have	AUX
hassl-4534	105	4	primarily	primarily	ADV
hassl-4534	105	5	focused	focus	VERB
hassl-4534	105	6	on	on	ADP
hassl-4534	105	7	the	the	DET
hassl-4534	105	8	impact	impact	NOUN
hassl-4534	105	9	of	of	ADP
hassl-4534	105	10	natural	natural	ADJ
hassl-4534	105	11	disasters	disaster	NOUN
hassl-4534	105	12	on	on	ADP
hassl-4534	105	13	economic	economic	ADJ
hassl-4534	105	14	growth	growth	NOUN
hassl-4534	105	15	and	and	CCONJ
hassl-4534	105	16	the	the	DET
hassl-4534	105	17	financial	financial	ADJ
hassl-4534	105	18	system	system	NOUN
hassl-4534	105	19	as	as	ADP
hassl-4534	105	20	a	a	DET
hassl-4534	105	21	whole	whole	NOUN
hassl-4534	105	22	,	,	PUNCT
hassl-4534	105	23	but	but	CCONJ
hassl-4534	105	24	there	there	PRON
hassl-4534	105	25	is	be	VERB
hassl-4534	105	26	a	a	DET
hassl-4534	105	27	lack	lack	NOUN
hassl-4534	105	28	of	of	ADP
hassl-4534	105	29	literature	literature	NOUN
hassl-4534	105	30	that	that	PRON
hassl-4534	105	31	specifically	specifically	ADV
hassl-4534	105	32	investigates	investigate	VERB
hassl-4534	105	33	the	the	DET
hassl-4534	105	34	direct	direct	ADJ
hassl-4534	105	35	influence	influence	NOUN
hassl-4534	105	36	of	of	ADP
hassl-4534	105	37	natural	natural	ADJ
hassl-4534	105	38	disasters	disaster	NOUN
hassl-4534	105	39	on	on	ADP
hassl-4534	105	40	non	non	ADJ
hassl-4534	105	41	-	-	ADJ
hassl-4534	105	42	performing	perform	VERB
hassl-4534	105	43	loans	loan	NOUN
hassl-4534	105	44	.	.	PUNCT
hassl-4534	106	1	for	for	ADP
hassl-4534	106	2	example	example	NOUN
hassl-4534	106	3	,	,	PUNCT
hassl-4534	106	4	chen	chen	PROPN
hassl-4534	106	5	et	et	PROPN
hassl-4534	106	6	al	al	PROPN
hassl-4534	106	7	.	.	PROPN
hassl-4534	106	8	(	(	PUNCT
hassl-4534	106	9	2023	2023	NUM
hassl-4534	106	10	)	)	PUNCT
hassl-4534	106	11	examined	examine	VERB
hassl-4534	106	12	the	the	DET
hassl-4534	106	13	relationship	relationship	NOUN
hassl-4534	106	14	between	between	ADP
hassl-4534	106	15	natural	natural	ADJ
hassl-4534	106	16	disasters	disaster	NOUN
hassl-4534	106	17	and	and	CCONJ
hassl-4534	106	18	non	non	ADJ
hassl-4534	106	19	-	-	ADJ
hassl-4534	106	20	performing	perform	VERB
hassl-4534	106	21	loans	loan	NOUN
hassl-4534	106	22	.	.	PUNCT
hassl-4534	107	1	they	they	PRON
hassl-4534	107	2	discovered	discover	VERB
hassl-4534	107	3	that	that	SCONJ
hassl-4534	107	4	natural	natural	ADJ
hassl-4534	107	5	disasters	disaster	NOUN
hassl-4534	107	6	had	have	VERB
hassl-4534	107	7	a	a	DET
hassl-4534	107	8	significant	significant	ADJ
hassl-4534	107	9	impact	impact	NOUN
hassl-4534	107	10	on	on	ADP
hassl-4534	107	11	non	non	ADJ
hassl-4534	107	12	-	-	ADJ
hassl-4534	107	13	performing	performing	ADJ
hassl-4534	107	14	loans	loan	NOUN
hassl-4534	107	15	in	in	ADP
hassl-4534	107	16	the	the	DET
hassl-4534	107	17	shortand	shortand	NOUN
hassl-4534	107	18	longterms	longterm	VERB
hassl-4534	107	19	.	.	PUNCT
hassl-4534	108	1	this	this	DET
hassl-4534	108	2	study	study	NOUN
hassl-4534	108	3	aims	aim	VERB
hassl-4534	108	4	to	to	PART
hassl-4534	108	5	enhance	enhance	VERB
hassl-4534	108	6	our	our	PRON
hassl-4534	108	7	comprehension	comprehension	NOUN
hassl-4534	108	8	of	of	ADP
hassl-4534	108	9	the	the	DET
hassl-4534	108	10	relationship	relationship	NOUN
hassl-4534	108	11	between	between	ADP
hassl-4534	108	12	natural	natural	ADJ
hassl-4534	108	13	disasters	disaster	NOUN
hassl-4534	108	14	and	and	CCONJ
hassl-4534	108	15	the	the	DET
hassl-4534	108	16	credit	credit	NOUN
hassl-4534	108	17	risk	risk	NOUN
hassl-4534	108	18	of	of	ADP
hassl-4534	108	19	global	global	ADJ
hassl-4534	108	20	banks	bank	NOUN
hassl-4534	108	21	.	.	PUNCT
hassl-4534	109	1	this	this	DET
hassl-4534	109	2	study	study	NOUN
hassl-4534	109	3	uses	use	VERB
hassl-4534	109	4	a	a	DET
hassl-4534	109	5	more	more	ADV
hassl-4534	109	6	recent	recent	ADJ
hassl-4534	109	7	dataset	dataset	NOUN
hassl-4534	109	8	spanning	span	VERB
hassl-4534	109	9	from	from	ADP
hassl-4534	109	10	2018	2018	NUM
hassl-4534	109	11	to	to	ADP
hassl-4534	109	12	2022	2022	NUM
hassl-4534	109	13	to	to	PART
hassl-4534	109	14	provide	provide	VERB
hassl-4534	109	15	stakeholders	stakeholder	NOUN
hassl-4534	109	16	with	with	ADP
hassl-4534	109	17	a	a	DET
hassl-4534	109	18	more	more	ADV
hassl-4534	109	19	accurate	accurate	ADJ
hassl-4534	109	20	perspective	perspective	NOUN
hassl-4534	109	21	to	to	PART
hassl-4534	109	22	inform	inform	VERB
hassl-4534	109	23	future	future	ADJ
hassl-4534	109	24	decision	decision	NOUN
hassl-4534	109	25	-	-	PUNCT
hassl-4534	109	26	making	making	NOUN
hassl-4534	109	27	.	.	PUNCT
hassl-4534	110	1	in	in	ADP
hassl-4534	110	2	addition	addition	NOUN
hassl-4534	110	3	,	,	PUNCT
hassl-4534	110	4	this	this	DET
hassl-4534	110	5	study	study	NOUN
hassl-4534	110	6	used	use	VERB
hassl-4534	110	7	a	a	DET
hassl-4534	110	8	distinct	distinct	ADJ
hassl-4534	110	9	methodology	methodology	NOUN
hassl-4534	110	10	to	to	PART
hassl-4534	110	11	identify	identify	VERB
hassl-4534	110	12	natural	natural	ADJ
hassl-4534	110	13	disasters	disaster	NOUN
hassl-4534	110	14	,	,	PUNCT
hassl-4534	110	15	while	while	SCONJ
hassl-4534	110	16	prior	prior	ADJ
hassl-4534	110	17	studies	study	NOUN
hassl-4534	110	18	just	just	ADV
hassl-4534	110	19	relied	rely	VERB
hassl-4534	110	20	on	on	ADP
hassl-4534	110	21	the	the	DET
hassl-4534	110	22	number	number	NOUN
hassl-4534	110	23	of	of	ADP
hassl-4534	110	24	fatalities	fatality	NOUN
hassl-4534	110	25	.	.	PUNCT
hassl-4534	111	1	according	accord	VERB
hassl-4534	111	2	to	to	ADP
hassl-4534	111	3	vu	vu	PROPN
hassl-4534	111	4	and	and	CCONJ
hassl-4534	111	5	noy	noy	PROPN
hassl-4534	111	6	(	(	PUNCT
hassl-4534	111	7	2015	2015	NUM
hassl-4534	111	8	)	)	PUNCT
hassl-4534	111	9	work	work	NOUN
hassl-4534	111	10	,	,	PUNCT
hassl-4534	111	11	this	this	DET
hassl-4534	111	12	study	study	NOUN
hassl-4534	111	13	incorporates	incorporate	VERB
hassl-4534	111	14	the	the	DET
hassl-4534	111	15	destruction	destruction	NOUN
hassl-4534	111	16	and	and	CCONJ
hassl-4534	111	17	damage	damage	NOUN
hassl-4534	111	18	of	of	ADP
hassl-4534	111	19	dwellings	dwelling	NOUN
hassl-4534	111	20	to	to	PART
hassl-4534	111	21	provide	provide	VERB
hassl-4534	111	22	a	a	DET
hassl-4534	111	23	more	more	ADV
hassl-4534	111	24	thorough	thorough	ADJ
hassl-4534	111	25	depiction	depiction	NOUN
hassl-4534	111	26	of	of	ADP
hassl-4534	111	27	natural	natural	ADJ
hassl-4534	111	28	disasters	disaster	NOUN
hassl-4534	111	29	.	.	PUNCT
hassl-4534	112	1	3	3	X
hassl-4534	112	2	.	.	X
hassl-4534	112	3	research	research	NOUN
hassl-4534	112	4	methodology	methodology	NOUN
hassl-4534	112	5	3.1	3.1	NUM
hassl-4534	112	6	.	.	PUNCT
hassl-4534	112	7	sample	sample	NOUN
hassl-4534	112	8	selection	selection	NOUN
hassl-4534	112	9	this	this	DET
hassl-4534	112	10	study	study	NOUN
hassl-4534	112	11	chose	choose	VERB
hassl-4534	112	12	all	all	DET
hassl-4534	112	13	banking	banking	NOUN
hassl-4534	112	14	companies	company	NOUN
hassl-4534	112	15	worldwide	worldwide	ADV
hassl-4534	112	16	as	as	ADP
hassl-4534	112	17	the	the	DET
hassl-4534	112	18	sample	sample	NOUN
hassl-4534	112	19	selection	selection	NOUN
hassl-4534	112	20	.	.	PUNCT
hassl-4534	113	1	however	however	ADV
hassl-4534	113	2	,	,	PUNCT
hassl-4534	113	3	this	this	DET
hassl-4534	113	4	study	study	NOUN
hassl-4534	113	5	selects	select	VERB
hassl-4534	113	6	banks	bank	NOUN
hassl-4534	113	7	that	that	PRON
hassl-4534	113	8	are	be	AUX
hassl-4534	113	9	listed	list	VERB
hassl-4534	113	10	on	on	ADP
hassl-4534	113	11	the	the	DET
hassl-4534	113	12	stock	stock	NOUN
hassl-4534	113	13	market	market	NOUN
hassl-4534	113	14	.	.	PUNCT
hassl-4534	114	1	this	this	DET
hassl-4534	114	2	study	study	NOUN
hassl-4534	114	3	employs	employ	VERB
hassl-4534	114	4	purposive	purposive	ADJ
hassl-4534	114	5	sampling	sampling	NOUN
hassl-4534	114	6	by	by	ADP
hassl-4534	114	7	establishing	establish	VERB
hassl-4534	114	8	certain	certain	ADJ
hassl-4534	114	9	criteria	criterion	NOUN
hassl-4534	114	10	to	to	PART
hassl-4534	114	11	achieve	achieve	VERB
hassl-4534	114	12	the	the	DET
hassl-4534	114	13	research	research	NOUN
hassl-4534	114	14	objective	objective	NOUN
hassl-4534	114	15	.	.	PUNCT
hassl-4534	115	1	consequently	consequently	ADV
hassl-4534	115	2	,	,	PUNCT
hassl-4534	115	3	only	only	ADV
hassl-4534	115	4	banks	bank	NOUN
hassl-4534	115	5	with	with	ADP
hassl-4534	115	6	available	available	ADJ
hassl-4534	115	7	data	datum	NOUN
hassl-4534	115	8	from	from	ADP
hassl-4534	115	9	2018	2018	NUM
hassl-4534	115	10	to	to	ADP
hassl-4534	115	11	2022	2022	NUM
hassl-4534	115	12	were	be	AUX
hassl-4534	115	13	included	include	VERB
hassl-4534	115	14	in	in	ADP
hassl-4534	115	15	the	the	DET
hassl-4534	115	16	sampling	sample	VERB
hassl-4534	115	17	frame	frame	NOUN
hassl-4534	115	18	.	.	PUNCT
hassl-4534	116	1	the	the	DET
hassl-4534	116	2	samples	sample	NOUN
hassl-4534	116	3	used	use	VERB
hassl-4534	116	4	in	in	ADP
hassl-4534	116	5	this	this	DET
hassl-4534	116	6	study	study	NOUN
hassl-4534	116	7	were	be	AUX
hassl-4534	116	8	485	485	NUM
hassl-4534	116	9	banking	banking	NOUN
hassl-4534	116	10	companies	company	NOUN
hassl-4534	116	11	in	in	ADP
hassl-4534	116	12	the	the	DET
hassl-4534	116	13	world	world	NOUN
hassl-4534	116	14	.	.	PUNCT
hassl-4534	117	1	this	this	PRON
hassl-4534	117	2	resulted	result	VERB
hassl-4534	117	3	in	in	ADP
hassl-4534	117	4	a	a	DET
hassl-4534	117	5	total	total	NOUN
hassl-4534	117	6	of	of	ADP
hassl-4534	117	7	2425	2425	NUM
hassl-4534	117	8	observation	observation	NOUN
hassl-4534	117	9	data	datum	NOUN
hassl-4534	117	10	used	use	VERB
hassl-4534	117	11	in	in	ADP
hassl-4534	117	12	the	the	DET
hassl-4534	117	13	analysis	analysis	NOUN
hassl-4534	117	14	.	.	PUNCT
hassl-4534	118	1	3.2	3.2	NUM
hassl-4534	118	2	.	.	PUNCT
hassl-4534	118	3	research	research	NOUN
hassl-4534	118	4	instrument	instrument	NOUN
hassl-4534	118	5	and	and	CCONJ
hassl-4534	118	6	data	datum	NOUN
hassl-4534	118	7	collection	collection	NOUN
hassl-4534	118	8	this	this	DET
hassl-4534	118	9	study	study	NOUN
hassl-4534	118	10	uses	use	VERB
hassl-4534	118	11	content	content	NOUN
hassl-4534	118	12	analysis	analysis	NOUN
hassl-4534	118	13	as	as	ADP
hassl-4534	118	14	the	the	DET
hassl-4534	118	15	research	research	NOUN
hassl-4534	118	16	instrument	instrument	NOUN
hassl-4534	118	17	.	.	PUNCT
hassl-4534	119	1	this	this	DET
hassl-4534	119	2	study	study	NOUN
hassl-4534	119	3	used	use	VERB
hassl-4534	119	4	data	datum	NOUN
hassl-4534	119	5	from	from	ADP
hassl-4534	119	6	485	485	NUM
hassl-4534	119	7	global	global	ADJ
hassl-4534	119	8	banking	banking	NOUN
hassl-4534	119	9	companies	company	NOUN
hassl-4534	119	10	over	over	ADP
hassl-4534	119	11	5	5	NUM
hassl-4534	119	12	years	year	NOUN
hassl-4534	119	13	from	from	ADP
hassl-4534	119	14	2018	2018	NUM
hassl-4534	119	15	to	to	ADP
hassl-4534	119	16	2022	2022	NUM
hassl-4534	119	17	.	.	PUNCT
hassl-4534	120	1	the	the	DET
hassl-4534	120	2	data	datum	NOUN
hassl-4534	120	3	was	be	AUX
hassl-4534	120	4	retrieved	retrieve	VERB
hassl-4534	120	5	from	from	ADP
hassl-4534	120	6	resources	resource	NOUN
hassl-4534	120	7	such	such	ADJ
hassl-4534	120	8	as	as	ADP
hassl-4534	120	9	refinitiv	refinitiv	PROPN
hassl-4534	120	10	,	,	PUNCT
hassl-4534	120	11	the	the	DET
hassl-4534	120	12	world	world	PROPN
hassl-4534	120	13	bank	bank	PROPN
hassl-4534	120	14	indicator	indicator	NOUN
hassl-4534	120	15	,	,	PUNCT
hassl-4534	120	16	and	and	CCONJ
hassl-4534	120	17	the	the	DET
hassl-4534	120	18	national	national	ADJ
hassl-4534	120	19	oceanic	oceanic	NOUN
hassl-4534	120	20	and	and	CCONJ
hassl-4534	120	21	atmospheric	atmospheric	ADJ
hassl-4534	120	22	administration	administration	NOUN
hassl-4534	120	23	.	.	PUNCT
hassl-4534	121	1	the	the	DET
hassl-4534	121	2	data	datum	NOUN
hassl-4534	121	3	was	be	AUX
hassl-4534	121	4	collected	collect	VERB
hassl-4534	121	5	over	over	ADP
hassl-4534	121	6	6	6	NUM
hassl-4534	121	7	months	month	NOUN
hassl-4534	121	8	.	.	PUNCT
hassl-4534	122	1	in	in	ADP
hassl-4534	122	2	this	this	DET
hassl-4534	122	3	study	study	NOUN
hassl-4534	122	4	,	,	PUNCT
hassl-4534	122	5	the	the	DET
hassl-4534	122	6	credit	credit	NOUN
hassl-4534	122	7	risk	risk	NOUN
hassl-4534	122	8	is	be	AUX
hassl-4534	122	9	the	the	DET
hassl-4534	122	10	dependent	dependent	ADJ
hassl-4534	122	11	variable	variable	NOUN
hassl-4534	122	12	proxied	proxie	VERB
hassl-4534	122	13	by	by	ADP
hassl-4534	122	14	non	non	ADJ
hassl-4534	122	15	-	-	ADJ
hassl-4534	122	16	performing	perform	VERB
hassl-4534	122	17	loans	loan	NOUN
hassl-4534	122	18	.	.	PUNCT
hassl-4534	123	1	natural	natural	ADJ
hassl-4534	123	2	disasters	disaster	NOUN
hassl-4534	123	3	are	be	AUX
hassl-4534	123	4	the	the	DET
hassl-4534	123	5	independent	independent	ADJ
hassl-4534	123	6	variables	variable	NOUN
hassl-4534	123	7	caused	cause	VERB
hassl-4534	123	8	by	by	ADP
hassl-4534	123	9	several	several	ADJ
hassl-4534	123	10	people	people	NOUN
hassl-4534	123	11	killed	kill	VERB
hassl-4534	123	12	,	,	PUNCT
hassl-4534	123	13	houses	house	NOUN
hassl-4534	123	14	destroyed	destroy	VERB
hassl-4534	123	15	,	,	PUNCT
hassl-4534	123	16	and	and	CCONJ
hassl-4534	123	17	houses	house	NOUN
hassl-4534	123	18	damaged	damage	VERB
hassl-4534	123	19	.	.	PUNCT
hassl-4534	124	1	this	this	DET
hassl-4534	124	2	study	study	NOUN
hassl-4534	124	3	used	use	VERB
hassl-4534	124	4	several	several	ADJ
hassl-4534	124	5	variables	variable	NOUN
hassl-4534	124	6	,	,	PUNCT
hassl-4534	124	7	such	such	ADJ
hassl-4534	124	8	as	as	ADP
hassl-4534	124	9	profitability	profitability	NOUN
hassl-4534	124	10	,	,	PUNCT
hassl-4534	124	11	company	company	NOUN
hassl-4534	124	12	size	size	NOUN
hassl-4534	124	13	,	,	PUNCT
hassl-4534	124	14	capital	capital	NOUN
hassl-4534	124	15	expenditure	expenditure	NOUN
hassl-4534	124	16	,	,	PUNCT
hassl-4534	124	17	and	and	CCONJ
hassl-4534	124	18	leverage	leverage	NOUN
hassl-4534	124	19	as	as	ADP
hassl-4534	124	20	control	control	NOUN
hassl-4534	124	21	variables	variable	NOUN
hassl-4534	124	22	.	.	PUNCT
hassl-4534	125	1	table	table	NOUN
hassl-4534	125	2	1	1	NUM
hassl-4534	125	3	presents	present	VERB
hassl-4534	125	4	the	the	DET
hassl-4534	125	5	variables	variable	NOUN
hassl-4534	125	6	and	and	CCONJ
hassl-4534	125	7	measurements	measurement	NOUN
hassl-4534	125	8	used	use	VERB
hassl-4534	125	9	in	in	ADP
hassl-4534	125	10	this	this	DET
hassl-4534	125	11	study	study	NOUN
hassl-4534	125	12	.	.	PUNCT
hassl-4534	126	1	table	table	NOUN
hassl-4534	126	2	1	1	NUM
hassl-4534	126	3	.	.	PUNCT
hassl-4534	127	1	variables	variable	NOUN
hassl-4534	127	2	and	and	CCONJ
hassl-4534	127	3	measurement	measurement	NOUN
hassl-4534	127	4	variables	variable	NOUN
hassl-4534	127	5	symbol	symbol	PROPN
hassl-4534	127	6	measurement	measurement	PROPN
hassl-4534	127	7	source	source	NOUN
hassl-4534	127	8	credit	credit	NOUN
hassl-4534	127	9	risk	risk	NOUN
hassl-4534	127	10	npl	npl	PROPN
hassl-4534	127	11	non	non	ADJ
hassl-4534	127	12	-	-	ADJ
hassl-4534	127	13	performing	performing	ADJ
hassl-4534	127	14	loan	loan	NOUN
hassl-4534	127	15	world	world	PROPN
hassl-4534	127	16	bank	bank	PROPN
hassl-4534	127	17	indicator	indicator	NOUN
hassl-4534	127	18	natural	natural	ADJ
hassl-4534	127	19	disasters	disaster	NOUN
hassl-4534	127	20	kill	kill	VERB
hassl-4534	127	21	total	total	ADJ
hassl-4534	127	22	people	people	NOUN
hassl-4534	127	23	killed	kill	VERB
hassl-4534	127	24	by	by	ADP
hassl-4534	127	25	natural	natural	ADJ
hassl-4534	127	26	disasters	disaster	NOUN
hassl-4534	127	27	national	national	ADJ
hassl-4534	127	28	oceanic	oceanic	NOUN
hassl-4534	127	29	and	and	CCONJ
hassl-4534	127	30	atmospheric	atmospheric	PROPN
hassl-4534	127	31	administration	administration	NOUN
hassl-4534	127	32	dstr	dstr	PROPN
hassl-4534	127	33	total	total	NOUN
hassl-4534	127	34	houses	house	NOUN
hassl-4534	127	35	destroyed	destroy	VERB
hassl-4534	127	36	by	by	ADP
hassl-4534	127	37	natural	natural	ADJ
hassl-4534	127	38	disasters	disaster	NOUN
hassl-4534	127	39	national	national	ADJ
hassl-4534	127	40	oceanic	oceanic	NOUN
hassl-4534	127	41	and	and	CCONJ
hassl-4534	127	42	atmospheric	atmospheric	PROPN
hassl-4534	127	43	administration	administration	NOUN
hassl-4534	127	44	dmgd	dmgd	PROPN
hassl-4534	127	45	total	total	ADJ
hassl-4534	127	46	houses	house	NOUN
hassl-4534	127	47	damaged	damage	VERB
hassl-4534	127	48	by	by	ADP
hassl-4534	127	49	natural	natural	ADJ
hassl-4534	127	50	disasters	disaster	NOUN
hassl-4534	127	51	national	national	ADJ
hassl-4534	127	52	oceanic	oceanic	NOUN
hassl-4534	127	53	and	and	CCONJ
hassl-4534	127	54	atmospheric	atmospheric	ADJ
hassl-4534	127	55	administration	administration	NOUN
hassl-4534	127	56	profitability	profitability	NOUN
hassl-4534	127	57	profit	profit	NOUN
hassl-4534	127	58	%	%	NOUN
hassl-4534	127	59	net	net	ADJ
hassl-4534	127	60	income	income	NOUN
hassl-4534	127	61	to	to	ADP
hassl-4534	127	62	gross	gross	ADJ
hassl-4534	127	63	income	income	NOUN
hassl-4534	127	64	refinitiv	refinitiv	NOUN
hassl-4534	127	65	size	size	NOUN
hassl-4534	127	66	of	of	ADP
hassl-4534	127	67	company	company	NOUN
hassl-4534	127	68	size	size	NOUN
hassl-4534	127	69	total	total	ADJ
hassl-4534	127	70	asset	asset	NOUN
hassl-4534	127	71	refinitiv	refinitiv	NOUN
hassl-4534	127	72	capital	capital	NOUN
hassl-4534	127	73	investment	investment	NOUN
hassl-4534	127	74	inv	inv	VERB
hassl-4534	127	75	capital	capital	NOUN
hassl-4534	127	76	investment	investment	NOUN
hassl-4534	127	77	to	to	ADP
hassl-4534	127	78	total	total	ADJ
hassl-4534	127	79	expense	expense	NOUN
hassl-4534	127	80	refinitiv	refinitiv	NOUN
hassl-4534	127	81	leverage	leverage	NOUN
hassl-4534	127	82	levrg	levrg	NOUN
hassl-4534	127	83	debt	debt	NOUN
hassl-4534	127	84	to	to	ADP
hassl-4534	127	85	total	total	ADJ
hassl-4534	127	86	assets	asset	NOUN
hassl-4534	127	87	refinitiv	refinitiv	NOUN
hassl-4534	127	88	3.3	3.3	NUM
hassl-4534	127	89	.	.	PUNCT
hassl-4534	128	1	data	datum	NOUN
hassl-4534	128	2	analysis	analysis	NOUN
hassl-4534	128	3	this	this	DET
hassl-4534	128	4	study	study	NOUN
hassl-4534	128	5	performed	perform	VERB
hassl-4534	128	6	several	several	ADJ
hassl-4534	128	7	model	model	NOUN
hassl-4534	128	8	-	-	PUNCT
hassl-4534	128	9	fitting	fit	VERB
hassl-4534	128	10	tests	test	NOUN
hassl-4534	128	11	,	,	PUNCT
hassl-4534	128	12	including	include	VERB
hassl-4534	128	13	the	the	DET
hassl-4534	128	14	chow	chow	PROPN
hassl-4534	128	15	test	test	NOUN
hassl-4534	128	16	,	,	PUNCT
hassl-4534	128	17	the	the	DET
hassl-4534	128	18	hausman	hausman	ADJ
hassl-4534	128	19	test	test	NOUN
hassl-4534	128	20	,	,	PUNCT
hassl-4534	128	21	and	and	CCONJ
hassl-4534	128	22	the	the	DET
hassl-4534	128	23	lagrange	lagrange	NOUN
hassl-4534	128	24	multiplier	multipli	ADJ
hassl-4534	128	25	test	test	NOUN
hassl-4534	128	26	to	to	PART
hassl-4534	128	27	determine	determine	VERB
hassl-4534	128	28	the	the	DET
hassl-4534	128	29	optimal	optimal	ADJ
hassl-4534	128	30	model	model	NOUN
hassl-4534	128	31	among	among	ADP
hassl-4534	128	32	the	the	DET
hassl-4534	128	33	common	common	ADJ
hassl-4534	128	34	effects	effect	NOUN
hassl-4534	128	35	model	model	NOUN
hassl-4534	128	36	(	(	PUNCT
hassl-4534	128	37	cem	cem	NOUN
hassl-4534	128	38	)	)	PUNCT
hassl-4534	128	39	,	,	PUNCT
hassl-4534	128	40	the	the	DET
hassl-4534	128	41	fixed	fix	VERB
hassl-4534	128	42	effects	effect	NOUN
hassl-4534	128	43	model	model	NOUN
hassl-4534	128	44	humanities	humanity	NOUN
hassl-4534	128	45	and	and	CCONJ
hassl-4534	128	46	social	social	ADJ
hassl-4534	128	47	sciences	science	NOUN
hassl-4534	128	48	letters	letter	NOUN
hassl-4534	128	49	,	,	PUNCT
hassl-4534	128	50	2025	2025	NUM
hassl-4534	128	51	,	,	PUNCT
hassl-4534	128	52	13(4	13(4	NUM
hassl-4534	128	53	):	):	PUNCT
hassl-4534	128	54	1584	1584	NUM
hassl-4534	128	55	-	-	SYM
hassl-4534	128	56	1595	1595	NUM
hassl-4534	128	57	1588	1588	NUM
hassl-4534	128	58	©	©	ADP
hassl-4534	128	59	2025	2025	NUM
hassl-4534	128	60	conscientia	conscientia	PROPN
hassl-4534	128	61	beam	beam	PROPN
hassl-4534	128	62	.	.	PUNCT
hassl-4534	129	1	all	all	DET
hassl-4534	129	2	rights	right	NOUN
hassl-4534	129	3	reserved	reserve	VERB
hassl-4534	129	4	.	.	PUNCT
hassl-4534	130	1	(	(	PUNCT
hassl-4534	130	2	fem	fem	NOUN
hassl-4534	130	3	)	)	PUNCT
hassl-4534	130	4	,	,	PUNCT
hassl-4534	130	5	and	and	CCONJ
hassl-4534	130	6	the	the	DET
hassl-4534	130	7	random	random	ADJ
hassl-4534	130	8	effects	effect	NOUN
hassl-4534	130	9	model	model	NOUN
hassl-4534	130	10	(	(	PUNCT
hassl-4534	130	11	rem	rem	NOUN
hassl-4534	130	12	)	)	PUNCT
hassl-4534	130	13	.	.	PUNCT
hassl-4534	131	1	this	this	DET
hassl-4534	131	2	study	study	NOUN
hassl-4534	131	3	used	use	VERB
hassl-4534	131	4	multicollinearity	multicollinearity	NOUN
hassl-4534	131	5	testing	testing	NOUN
hassl-4534	131	6	to	to	PART
hassl-4534	131	7	elucidate	elucidate	VERB
hassl-4534	131	8	the	the	DET
hassl-4534	131	9	relationship	relationship	NOUN
hassl-4534	131	10	between	between	ADP
hassl-4534	131	11	the	the	DET
hassl-4534	131	12	explanatory	explanatory	ADJ
hassl-4534	131	13	factors	factor	NOUN
hassl-4534	131	14	to	to	PART
hassl-4534	131	15	meet	meet	VERB
hassl-4534	131	16	the	the	DET
hassl-4534	131	17	criteria	criterion	NOUN
hassl-4534	131	18	of	of	ADP
hassl-4534	131	19	ordinary	ordinary	ADJ
hassl-4534	131	20	least	least	ADJ
hassl-4534	131	21	squares	square	NOUN
hassl-4534	131	22	.	.	PUNCT
hassl-4534	132	1	the	the	DET
hassl-4534	132	2	variables	variable	NOUN
hassl-4534	132	3	of	of	ADP
hassl-4534	132	4	interest	interest	NOUN
hassl-4534	132	5	in	in	ADP
hassl-4534	132	6	panel	panel	NOUN
hassl-4534	132	7	data	datum	NOUN
hassl-4534	132	8	as	as	SCONJ
hassl-4534	132	9	examined	examine	VERB
hassl-4534	132	10	in	in	ADP
hassl-4534	132	11	this	this	DET
hassl-4534	132	12	study	study	NOUN
hassl-4534	132	13	often	often	ADV
hassl-4534	132	14	exhibit	exhibit	VERB
hassl-4534	132	15	cross	cross	ADJ
hassl-4534	132	16	-	-	ADJ
hassl-4534	132	17	sectional	sectional	ADJ
hassl-4534	132	18	and	and	CCONJ
hassl-4534	132	19	serial	serial	ADJ
hassl-4534	132	20	correlations	correlation	NOUN
hassl-4534	132	21	(	(	PUNCT
hassl-4534	132	22	sun	sun	NOUN
hassl-4534	132	23	,	,	PUNCT
hassl-4534	132	24	wang	wang	PROPN
hassl-4534	132	25	,	,	PUNCT
hassl-4534	132	26	&	&	CCONJ
hassl-4534	132	27	zhang	zhang	PROPN
hassl-4534	132	28	,	,	PUNCT
hassl-4534	132	29	2018	2018	NUM
hassl-4534	132	30	)	)	PUNCT
hassl-4534	132	31	.	.	PUNCT
hassl-4534	133	1	therefore	therefore	ADV
hassl-4534	133	2	,	,	PUNCT
hassl-4534	133	3	this	this	DET
hassl-4534	133	4	study	study	NOUN
hassl-4534	133	5	follows	follow	VERB
hassl-4534	133	6	the	the	DET
hassl-4534	133	7	methodology	methodology	NOUN
hassl-4534	133	8	of	of	ADP
hassl-4534	133	9	petersen	petersen	PROPN
hassl-4534	133	10	(	(	PUNCT
hassl-4534	133	11	2009	2009	NUM
hassl-4534	133	12	)	)	PUNCT
hassl-4534	133	13	and	and	CCONJ
hassl-4534	133	14	chia	chia	PROPN
hassl-4534	133	15	et	et	PROPN
hassl-4534	133	16	al	al	PROPN
hassl-4534	133	17	.	.	PROPN
hassl-4534	134	1	(	(	PUNCT
hassl-4534	134	2	2020	2020	NUM
hassl-4534	134	3	)	)	PUNCT
hassl-4534	135	1	employing	employ	VERB
hassl-4534	135	2	white	white	ADJ
hassl-4534	135	3	heteroscedastic	heteroscedastic	ADJ
hassl-4534	135	4	-	-	PUNCT
hassl-4534	135	5	robust	robust	ADJ
hassl-4534	135	6	and	and	CCONJ
hassl-4534	135	7	two	two	NUM
hassl-4534	135	8	-	-	PUNCT
hassl-4534	135	9	way	way	NOUN
hassl-4534	135	10	cluster	cluster	NOUN
hassl-4534	135	11	robustness	robustness	NOUN
hassl-4534	135	12	techniques	technique	NOUN
hassl-4534	135	13	to	to	PART
hassl-4534	135	14	tackle	tackle	VERB
hassl-4534	135	15	this	this	DET
hassl-4534	135	16	issue	issue	NOUN
hassl-4534	135	17	.	.	PUNCT
hassl-4534	136	1	3.4	3.4	NUM
hassl-4534	136	2	.	.	PUNCT
hassl-4534	136	3	research	research	NOUN
hassl-4534	136	4	model	model	NOUN
hassl-4534	136	5	this	this	DET
hassl-4534	136	6	study	study	NOUN
hassl-4534	136	7	used	use	VERB
hassl-4534	136	8	the	the	DET
hassl-4534	136	9	generalized	generalized	ADJ
hassl-4534	136	10	method	method	NOUN
hassl-4534	136	11	-	-	PUNCT
hassl-4534	136	12	of	of	ADP
hassl-4534	136	13	-	-	PUNCT
hassl-4534	136	14	moments	moment	NOUN
hassl-4534	136	15	(	(	PUNCT
hassl-4534	136	16	gmm	gmm	NOUN
hassl-4534	136	17	)	)	PUNCT
hassl-4534	136	18	dynamic	dynamic	ADJ
hassl-4534	136	19	panel	panel	NOUN
hassl-4534	136	20	framework	framework	NOUN
hassl-4534	136	21	as	as	ADP
hassl-4534	136	22	robustness	robustness	NOUN
hassl-4534	136	23	checks	check	NOUN
hassl-4534	136	24	to	to	PART
hassl-4534	136	25	address	address	VERB
hassl-4534	136	26	the	the	DET
hassl-4534	136	27	concern	concern	NOUN
hassl-4534	136	28	of	of	ADP
hassl-4534	136	29	endogeneity	endogeneity	NOUN
hassl-4534	136	30	.	.	PUNCT
hassl-4534	137	1	gmm	gmm	PROPN
hassl-4534	137	2	can	can	AUX
hassl-4534	137	3	make	make	VERB
hassl-4534	137	4	estimators	estimator	NOUN
hassl-4534	137	5	that	that	PRON
hassl-4534	137	6	are	be	AUX
hassl-4534	137	7	consistent	consistent	ADJ
hassl-4534	137	8	and	and	CCONJ
hassl-4534	137	9	asymptotically	asymptotically	ADV
hassl-4534	137	10	normal	normal	ADJ
hassl-4534	137	11	.	.	PUNCT
hassl-4534	138	1	this	this	PRON
hassl-4534	138	2	makes	make	VERB
hassl-4534	138	3	it	it	PRON
hassl-4534	138	4	very	very	ADV
hassl-4534	138	5	useful	useful	ADJ
hassl-4534	138	6	in	in	ADP
hassl-4534	138	7	dynamic	dynamic	ADJ
hassl-4534	138	8	panel	panel	NOUN
hassl-4534	138	9	data	datum	NOUN
hassl-4534	138	10	settings	setting	NOUN
hassl-4534	138	11	where	where	SCONJ
hassl-4534	138	12	other	other	ADJ
hassl-4534	138	13	estimators	estimator	NOUN
hassl-4534	138	14	might	might	AUX
hassl-4534	138	15	not	not	PART
hassl-4534	138	16	work	work	VERB
hassl-4534	138	17	.	.	PUNCT
hassl-4534	139	1	in	in	ADP
hassl-4534	139	2	the	the	DET
hassl-4534	139	3	second	second	ADJ
hassl-4534	139	4	step	step	NOUN
hassl-4534	139	5	,	,	PUNCT
hassl-4534	139	6	preliminary	preliminary	ADJ
hassl-4534	139	7	estimates	estimate	NOUN
hassl-4534	139	8	are	be	AUX
hassl-4534	139	9	used	use	VERB
hassl-4534	139	10	to	to	PART
hassl-4534	139	11	improve	improve	VERB
hassl-4534	139	12	the	the	DET
hassl-4534	139	13	weighting	weighting	NOUN
hassl-4534	139	14	matrix	matrix	NOUN
hassl-4534	139	15	which	which	PRON
hassl-4534	139	16	leads	lead	VERB
hassl-4534	139	17	to	to	ADP
hassl-4534	139	18	more	more	ADV
hassl-4534	139	19	accurate	accurate	ADJ
hassl-4534	139	20	parameter	parameter	NOUN
hassl-4534	139	21	estimates	estimate	NOUN
hassl-4534	139	22	(	(	PUNCT
hassl-4534	139	23	caner	caner	NOUN
hassl-4534	139	24	&	&	CCONJ
hassl-4534	139	25	zhang	zhang	PROPN
hassl-4534	139	26	,	,	PUNCT
hassl-4534	139	27	2014	2014	NUM
hassl-4534	139	28	)	)	PUNCT
hassl-4534	139	29	.	.	PUNCT
hassl-4534	140	1	previous	previous	ADJ
hassl-4534	140	2	studies	study	NOUN
hassl-4534	140	3	such	such	ADJ
hassl-4534	140	4	as	as	ADP
hassl-4534	140	5	chen	chen	PROPN
hassl-4534	140	6	et	et	PROPN
hassl-4534	140	7	al	al	PROPN
hassl-4534	140	8	.	.	PROPN
hassl-4534	140	9	(	(	PUNCT
hassl-4534	140	10	2023	2023	NUM
hassl-4534	140	11	)	)	PUNCT
hassl-4534	140	12	have	have	AUX
hassl-4534	140	13	also	also	ADV
hassl-4534	140	14	used	use	VERB
hassl-4534	140	15	gmm	gmm	NOUN
hassl-4534	140	16	methods	method	NOUN
hassl-4534	140	17	.	.	PUNCT
hassl-4534	141	1	vu	vu	PROPN
hassl-4534	141	2	and	and	CCONJ
hassl-4534	141	3	noy	noy	PROPN
hassl-4534	141	4	(	(	PUNCT
hassl-4534	141	5	2015	2015	NUM
hassl-4534	141	6	)	)	PUNCT
hassl-4534	141	7	combined	combine	VERB
hassl-4534	141	8	gmm	gmm	NOUN
hassl-4534	141	9	with	with	ADP
hassl-4534	141	10	three	three	NUM
hassl-4534	141	11	-	-	PUNCT
hassl-4534	141	12	stage	stage	NOUN
hassl-4534	141	13	least	least	ADJ
hassl-4534	141	14	squares	square	NOUN
hassl-4534	141	15	(	(	PUNCT
hassl-4534	141	16	3sls	3sls	NOUN
hassl-4534	141	17	)	)	PUNCT
hassl-4534	141	18	estimations	estimation	NOUN
hassl-4534	141	19	.	.	PUNCT
hassl-4534	142	1	hence	hence	ADV
hassl-4534	142	2	,	,	PUNCT
hassl-4534	142	3	the	the	DET
hassl-4534	142	4	model	model	NOUN
hassl-4534	142	5	is	be	AUX
hassl-4534	142	6	displayed	display	VERB
hassl-4534	142	7	as	as	SCONJ
hassl-4534	142	8	follows	follow	VERB
hassl-4534	142	9	:	:	PUNCT
hassl-4534	143	1	𝑁𝑃𝐿	𝑁𝑃𝐿	PROPN
hassl-4534	143	2	=	=	SYM
hassl-4534	143	3	𝛼	𝛼	PROPN
hassl-4534	143	4	+	+	NOUN
hassl-4534	143	5	𝛽1𝐾𝐼𝐿𝐿	𝛽1𝐾𝐼𝐿𝐿	ADJ
hassl-4534	143	6	+	+	NUM
hassl-4534	143	7	𝛽2𝐷𝑆𝑇𝑅	𝛽2𝐷𝑆𝑇𝑅	NOUN
hassl-4534	143	8	+	+	CCONJ
hassl-4534	143	9	𝛽3𝐷𝑀𝐺𝐷	𝛽3𝐷𝑀𝐺𝐷	ADJ
hassl-4534	143	10	+	+	NUM
hassl-4534	143	11	𝛽4𝑃𝑅𝑂𝐹𝐼𝑇	𝛽4𝑃𝑅𝑂𝐹𝐼𝑇	PROPN
hassl-4534	143	12	+	+	CCONJ
hassl-4534	143	13	𝛽5𝑆𝐼𝑍𝐸	𝛽5𝑆𝐼𝑍𝐸	PROPN
hassl-4534	143	14	+	+	CCONJ
hassl-4534	143	15	𝐵6𝐼𝑁𝑉	𝐵6𝐼𝑁𝑉	PROPN
hassl-4534	143	16	+	+	CCONJ
hassl-4534	143	17	𝛽7𝐿𝑉𝑅𝐺	𝛽7𝐿𝑉𝑅𝐺	ADJ
hassl-4534	143	18	+	+	CCONJ
hassl-4534	143	19	𝜀𝑖𝑡	𝜀𝑖𝑡	VERB
hassl-4534	143	20	4	4	NUM
hassl-4534	143	21	.	.	PUNCT
hassl-4534	143	22	results	result	NOUN
hassl-4534	143	23	and	and	CCONJ
hassl-4534	143	24	discussion	discussion	NOUN
hassl-4534	143	25	4.1	4.1	NUM
hassl-4534	143	26	.	.	PUNCT
hassl-4534	144	1	preliminary	preliminary	ADJ
hassl-4534	144	2	analyses	analysis	NOUN
hassl-4534	144	3	table	table	NOUN
hassl-4534	144	4	2	2	NUM
hassl-4534	144	5	provides	provide	VERB
hassl-4534	144	6	an	an	DET
hassl-4534	144	7	overview	overview	NOUN
hassl-4534	144	8	of	of	ADP
hassl-4534	144	9	the	the	DET
hassl-4534	144	10	statistical	statistical	ADJ
hassl-4534	144	11	data	datum	NOUN
hassl-4534	144	12	for	for	ADP
hassl-4534	144	13	the	the	DET
hassl-4534	144	14	variables	variable	NOUN
hassl-4534	144	15	used	use	VERB
hassl-4534	144	16	in	in	ADP
hassl-4534	144	17	this	this	DET
hassl-4534	144	18	study	study	NOUN
hassl-4534	144	19	.	.	PUNCT
hassl-4534	145	1	the	the	DET
hassl-4534	145	2	average	average	ADJ
hassl-4534	145	3	number	number	NOUN
hassl-4534	145	4	of	of	ADP
hassl-4534	145	5	fatalities	fatality	NOUN
hassl-4534	145	6	is	be	AUX
hassl-4534	145	7	50	50	NUM
hassl-4534	145	8	.	.	PUNCT
hassl-4534	146	1	this	this	DET
hassl-4534	146	2	graph	graph	NOUN
hassl-4534	146	3	illustrates	illustrate	VERB
hassl-4534	146	4	that	that	SCONJ
hassl-4534	146	5	the	the	DET
hassl-4534	146	6	mean	mean	ADJ
hassl-4534	146	7	number	number	NOUN
hassl-4534	146	8	of	of	ADP
hassl-4534	146	9	fatalities	fatality	NOUN
hassl-4534	146	10	resulting	result	VERB
hassl-4534	146	11	from	from	ADP
hassl-4534	146	12	global	global	ADJ
hassl-4534	146	13	natural	natural	ADJ
hassl-4534	146	14	disasters	disaster	NOUN
hassl-4534	146	15	between	between	ADP
hassl-4534	146	16	2018	2018	NUM
hassl-4534	146	17	and	and	CCONJ
hassl-4534	146	18	2022	2022	NUM
hassl-4534	146	19	is	be	AUX
hassl-4534	146	20	very	very	ADV
hassl-4534	146	21	low	low	ADJ
hassl-4534	146	22	.	.	PUNCT
hassl-4534	147	1	this	this	PRON
hassl-4534	147	2	is	be	AUX
hassl-4534	147	3	in	in	ADP
hassl-4534	147	4	contrast	contrast	NOUN
hassl-4534	147	5	to	to	ADP
hassl-4534	147	6	the	the	DET
hassl-4534	147	7	results	result	NOUN
hassl-4534	147	8	of	of	ADP
hassl-4534	147	9	vu	vu	NOUN
hassl-4534	147	10	and	and	CCONJ
hassl-4534	147	11	noy	noy	PROPN
hassl-4534	147	12	(	(	PUNCT
hassl-4534	147	13	2015	2015	NUM
hassl-4534	147	14	)	)	PUNCT
hassl-4534	147	15	who	who	PRON
hassl-4534	147	16	reported	report	VERB
hassl-4534	147	17	an	an	DET
hassl-4534	147	18	average	average	NOUN
hassl-4534	147	19	of	of	ADP
hassl-4534	147	20	154	154	NUM
hassl-4534	147	21	fatalities	fatality	NOUN
hassl-4534	147	22	.	.	PUNCT
hassl-4534	148	1	chen	chen	PROPN
hassl-4534	148	2	et	et	PROPN
hassl-4534	148	3	al	al	PROPN
hassl-4534	148	4	.	.	PROPN
hassl-4534	148	5	(	(	PUNCT
hassl-4534	148	6	2023	2023	NUM
hassl-4534	148	7	)	)	PUNCT
hassl-4534	148	8	who	who	PRON
hassl-4534	148	9	reported	report	VERB
hassl-4534	148	10	a	a	DET
hassl-4534	148	11	mean	mean	NOUN
hassl-4534	148	12	of	of	ADP
hassl-4534	148	13	343	343	NUM
hassl-4534	148	14	fatalities	fatality	NOUN
hassl-4534	148	15	.	.	PUNCT
hassl-4534	149	1	according	accord	VERB
hassl-4534	149	2	to	to	ADP
hassl-4534	149	3	chen	chen	PROPN
hassl-4534	149	4	et	et	PROPN
hassl-4534	149	5	al	al	PROPN
hassl-4534	149	6	.	.	PROPN
hassl-4534	150	1	(	(	PUNCT
hassl-4534	150	2	2023	2023	NUM
hassl-4534	150	3	)	)	PUNCT
hassl-4534	150	4	,	,	PUNCT
hassl-4534	150	5	the	the	DET
hassl-4534	150	6	data	datum	NOUN
hassl-4534	150	7	from	from	ADP
hassl-4534	150	8	1990	1990	NUM
hassl-4534	150	9	to	to	ADP
hassl-4534	150	10	2020	2020	NUM
hassl-4534	150	11	indicates	indicate	VERB
hassl-4534	150	12	that	that	SCONJ
hassl-4534	150	13	contemporary	contemporary	ADJ
hassl-4534	150	14	catastrophes	catastrophe	NOUN
hassl-4534	150	15	result	result	VERB
hassl-4534	150	16	in	in	ADP
hassl-4534	150	17	fewer	few	ADJ
hassl-4534	150	18	fatalities	fatality	NOUN
hassl-4534	150	19	compared	compare	VERB
hassl-4534	150	20	to	to	ADP
hassl-4534	150	21	earlier	early	ADJ
hassl-4534	150	22	natural	natural	ADJ
hassl-4534	150	23	disasters	disaster	NOUN
hassl-4534	150	24	.	.	PUNCT
hassl-4534	151	1	similarly	similarly	ADV
hassl-4534	151	2	,	,	PUNCT
hassl-4534	151	3	the	the	DET
hassl-4534	151	4	average	average	ADJ
hassl-4534	151	5	number	number	NOUN
hassl-4534	151	6	of	of	ADP
hassl-4534	151	7	buildings	building	NOUN
hassl-4534	151	8	demolished	demolish	VERB
hassl-4534	151	9	in	in	ADP
hassl-4534	151	10	this	this	DET
hassl-4534	151	11	research	research	NOUN
hassl-4534	151	12	was	be	AUX
hassl-4534	151	13	17.849	17.849	NUM
hassl-4534	151	14	,	,	PUNCT
hassl-4534	151	15	which	which	PRON
hassl-4534	151	16	is	be	AUX
hassl-4534	151	17	much	much	ADV
hassl-4534	151	18	lower	low	ADJ
hassl-4534	151	19	than	than	ADP
hassl-4534	151	20	the	the	DET
hassl-4534	151	21	results	result	NOUN
hassl-4534	151	22	reported	report	VERB
hassl-4534	151	23	by	by	ADP
hassl-4534	151	24	vu	vu	NOUN
hassl-4534	151	25	and	and	CCONJ
hassl-4534	151	26	noy	noy	PROPN
hassl-4534	151	27	(	(	PUNCT
hassl-4534	151	28	2015	2015	NUM
hassl-4534	151	29	)	)	PUNCT
hassl-4534	151	30	.	.	PUNCT
hassl-4534	152	1	they	they	PRON
hassl-4534	152	2	found	find	VERB
hassl-4534	152	3	an	an	DET
hassl-4534	152	4	average	average	NOUN
hassl-4534	152	5	of	of	ADP
hassl-4534	152	6	30.028	30.028	NUM
hassl-4534	152	7	dwellings	dwelling	NOUN
hassl-4534	152	8	destroyed	destroy	VERB
hassl-4534	152	9	between	between	ADP
hassl-4534	152	10	2010	2010	NUM
hassl-4534	152	11	and	and	CCONJ
hassl-4534	152	12	2011	2011	NUM
hassl-4534	152	13	.	.	PUNCT
hassl-4534	153	1	the	the	DET
hassl-4534	153	2	reported	report	VERB
hassl-4534	153	3	mean	mean	ADJ
hassl-4534	153	4	number	number	NOUN
hassl-4534	153	5	of	of	ADP
hassl-4534	153	6	destroyed	destroy	VERB
hassl-4534	153	7	dwellings	dwelling	NOUN
hassl-4534	153	8	was	be	AUX
hassl-4534	153	9	4813	4813	NUM
hassl-4534	153	10	,	,	PUNCT
hassl-4534	153	11	a	a	DET
hassl-4534	153	12	figure	figure	NOUN
hassl-4534	153	13	lower	low	ADJ
hassl-4534	153	14	than	than	ADP
hassl-4534	153	15	the	the	DET
hassl-4534	153	16	68.069	68.069	NUM
hassl-4534	153	17	observed	observe	VERB
hassl-4534	153	18	by	by	ADP
hassl-4534	153	19	vu	vu	NOUN
hassl-4534	153	20	and	and	CCONJ
hassl-4534	153	21	noy	noy	PROPN
hassl-4534	153	22	(	(	PUNCT
hassl-4534	153	23	2015	2015	NUM
hassl-4534	153	24	)	)	PUNCT
hassl-4534	153	25	.	.	PUNCT
hassl-4534	154	1	these	these	DET
hassl-4534	154	2	findings	finding	NOUN
hassl-4534	154	3	indicate	indicate	VERB
hassl-4534	154	4	that	that	SCONJ
hassl-4534	154	5	the	the	DET
hassl-4534	154	6	government	government	NOUN
hassl-4534	154	7	and	and	CCONJ
hassl-4534	154	8	its	its	PRON
hassl-4534	154	9	citizens	citizen	NOUN
hassl-4534	154	10	are	be	AUX
hassl-4534	154	11	becoming	become	VERB
hassl-4534	154	12	more	more	ADV
hassl-4534	154	13	proficient	proficient	ADJ
hassl-4534	154	14	in	in	ADP
hassl-4534	154	15	enhancing	enhance	VERB
hassl-4534	154	16	many	many	ADJ
hassl-4534	154	17	facets	facet	NOUN
hassl-4534	154	18	of	of	ADP
hassl-4534	154	19	disaster	disaster	NOUN
hassl-4534	154	20	preparation	preparation	NOUN
hassl-4534	154	21	to	to	PART
hassl-4534	154	22	reduce	reduce	VERB
hassl-4534	154	23	the	the	DET
hassl-4534	154	24	effect	effect	NOUN
hassl-4534	154	25	of	of	ADP
hassl-4534	154	26	casualties	casualty	NOUN
hassl-4534	154	27	.	.	PUNCT
hassl-4534	155	1	table	table	NOUN
hassl-4534	155	2	2	2	NUM
hassl-4534	155	3	.	.	PUNCT
hassl-4534	156	1	summary	summary	NOUN
hassl-4534	156	2	statistics	statistic	NOUN
hassl-4534	156	3	variables	variable	NOUN
hassl-4534	156	4	mean	mean	VERB
hassl-4534	156	5	std	std	X
hassl-4534	156	6	.	.	PUNCT
hassl-4534	156	7	dev	dev	PROPN
hassl-4534	156	8	.	.	PUNCT
hassl-4534	157	1	kill	kill	VERB
hassl-4534	157	2	50	50	NUM
hassl-4534	157	3	378	378	NUM
hassl-4534	157	4	dstr	dstr	NOUN
hassl-4534	157	5	17849	17849	NUM
hassl-4534	157	6	89320	89320	NUM
hassl-4534	157	7	dmgd	dmgd	NOUN
hassl-4534	157	8	4813	4813	NUM
hassl-4534	157	9	34204	34204	NUM
hassl-4534	157	10	before	before	ADP
hassl-4534	157	11	conducting	conduct	VERB
hassl-4534	157	12	hypothesis	hypothesis	NOUN
hassl-4534	157	13	testing	testing	NOUN
hassl-4534	157	14	,	,	PUNCT
hassl-4534	157	15	the	the	DET
hassl-4534	157	16	kill	kill	NOUN
hassl-4534	157	17	,	,	PUNCT
hassl-4534	157	18	dstry	dstry	NOUN
hassl-4534	157	19	,	,	PUNCT
hassl-4534	157	20	dmgd	dmgd	NOUN
hassl-4534	157	21	,	,	PUNCT
hassl-4534	157	22	and	and	CCONJ
hassl-4534	157	23	size	size	NOUN
hassl-4534	157	24	data	datum	NOUN
hassl-4534	157	25	were	be	AUX
hassl-4534	157	26	converted	convert	VERB
hassl-4534	157	27	into	into	ADP
hassl-4534	157	28	natural	natural	ADJ
hassl-4534	157	29	logarithm	logarithm	NOUN
hassl-4534	157	30	form	form	NOUN
hassl-4534	157	31	(	(	PUNCT
hassl-4534	157	32	ln	ln	ADJ
hassl-4534	157	33	)	)	PUNCT
hassl-4534	157	34	.	.	PUNCT
hassl-4534	158	1	this	this	DET
hassl-4534	158	2	function	function	NOUN
hassl-4534	158	3	is	be	AUX
hassl-4534	158	4	used	use	VERB
hassl-4534	158	5	to	to	PART
hassl-4534	158	6	reduce	reduce	VERB
hassl-4534	158	7	the	the	DET
hassl-4534	158	8	variability	variability	NOUN
hassl-4534	158	9	between	between	ADP
hassl-4534	158	10	independent	independent	ADJ
hassl-4534	158	11	variable	variable	ADJ
hassl-4534	158	12	levels	level	NOUN
hassl-4534	158	13	and	and	CCONJ
hassl-4534	158	14	to	to	PART
hassl-4534	158	15	mitigate	mitigate	VERB
hassl-4534	158	16	the	the	DET
hassl-4534	158	17	impact	impact	NOUN
hassl-4534	158	18	of	of	ADP
hassl-4534	158	19	extreme	extreme	ADJ
hassl-4534	158	20	values	value	NOUN
hassl-4534	158	21	or	or	CCONJ
hassl-4534	158	22	outliers	outlier	NOUN
hassl-4534	158	23	.	.	PUNCT
hassl-4534	159	1	this	this	DET
hassl-4534	159	2	study	study	NOUN
hassl-4534	159	3	then	then	ADV
hassl-4534	159	4	conducted	conduct	VERB
hassl-4534	159	5	several	several	ADJ
hassl-4534	159	6	tests	test	NOUN
hassl-4534	159	7	to	to	PART
hassl-4534	159	8	determine	determine	VERB
hassl-4534	159	9	the	the	DET
hassl-4534	159	10	model	model	NOUN
hassl-4534	159	11	's	's	PART
hassl-4534	159	12	best	good	ADJ
hassl-4534	159	13	estimator	estimator	NOUN
hassl-4534	159	14	.	.	PUNCT
hassl-4534	160	1	cross	cross	ADJ
hassl-4534	160	2	-	-	ADJ
hassl-4534	160	3	sectional	sectional	ADJ
hassl-4534	160	4	f	f	NOUN
hassl-4534	160	5	-	-	PUNCT
hassl-4534	160	6	squared	square	VERB
hassl-4534	160	7	and	and	CCONJ
hassl-4534	160	8	cross	cross	ADJ
hassl-4534	160	9	-	-	ADJ
hassl-4534	160	10	sectional	sectional	ADJ
hassl-4534	160	11	chi	chi	NOUN
hassl-4534	160	12	-	-	PUNCT
hassl-4534	160	13	squared	square	VERB
hassl-4534	160	14	values	value	NOUN
hassl-4534	160	15	are	be	AUX
hassl-4534	160	16	above	above	ADP
hassl-4534	160	17	0.5	0.5	NUM
hassl-4534	160	18	indicating	indicate	VERB
hassl-4534	160	19	that	that	SCONJ
hassl-4534	160	20	the	the	DET
hassl-4534	160	21	cem	cem	NOUN
hassl-4534	160	22	was	be	AUX
hassl-4534	160	23	selected	select	VERB
hassl-4534	160	24	.	.	PUNCT
hassl-4534	161	1	subsequently	subsequently	ADV
hassl-4534	161	2	,	,	PUNCT
hassl-4534	161	3	the	the	DET
hassl-4534	161	4	lagrange	lagrange	NOUN
hassl-4534	161	5	multiplier	multipli	ADJ
hassl-4534	161	6	test	test	NOUN
hassl-4534	161	7	indicates	indicate	VERB
hassl-4534	161	8	that	that	SCONJ
hassl-4534	161	9	the	the	DET
hassl-4534	161	10	probability	probability	NOUN
hassl-4534	161	11	value	value	NOUN
hassl-4534	161	12	is	be	AUX
hassl-4534	161	13	above	above	ADP
hassl-4534	161	14	0.5	0.5	NUM
hassl-4534	161	15	,	,	PUNCT
hassl-4534	161	16	which	which	PRON
hassl-4534	161	17	indicates	indicate	VERB
hassl-4534	161	18	cem	cem	NOUN
hassl-4534	161	19	or	or	CCONJ
hassl-4534	161	20	pooled	pool	VERB
hassl-4534	161	21	ols	ol	NOUN
hassl-4534	161	22	is	be	AUX
hassl-4534	161	23	the	the	DET
hassl-4534	161	24	best	good	ADJ
hassl-4534	161	25	model	model	NOUN
hassl-4534	161	26	for	for	ADP
hassl-4534	161	27	this	this	DET
hassl-4534	161	28	study	study	NOUN
hassl-4534	161	29	.	.	PUNCT
hassl-4534	162	1	humanities	humanity	NOUN
hassl-4534	162	2	and	and	CCONJ
hassl-4534	162	3	social	social	ADJ
hassl-4534	162	4	sciences	science	NOUN
hassl-4534	162	5	letters	letter	NOUN
hassl-4534	162	6	,	,	PUNCT
hassl-4534	162	7	2025	2025	NUM
hassl-4534	162	8	,	,	PUNCT
hassl-4534	162	9	13(4	13(4	NUM
hassl-4534	162	10	):	):	PUNCT
hassl-4534	162	11	1584	1584	NUM
hassl-4534	162	12	-	-	SYM
hassl-4534	162	13	1595	1595	NUM
hassl-4534	162	14	1589	1589	NUM
hassl-4534	162	15	©	©	PROPN
hassl-4534	162	16	2025	2025	NUM
hassl-4534	162	17	conscientia	conscientia	PROPN
hassl-4534	162	18	beam	beam	PROPN
hassl-4534	162	19	.	.	PUNCT
hassl-4534	163	1	all	all	DET
hassl-4534	163	2	rights	right	NOUN
hassl-4534	163	3	reserved	reserve	VERB
hassl-4534	163	4	.	.	PUNCT
hassl-4534	164	1	table	table	NOUN
hassl-4534	164	2	3	3	NUM
hassl-4534	164	3	.	.	PUNCT
hassl-4534	164	4	correlation	correlation	NOUN
hassl-4534	164	5	matrix	matrix	NOUN
hassl-4534	164	6	variables	variable	NOUN
hassl-4534	164	7	kill	kill	VERB
hassl-4534	164	8	dstr	dstr	PROPN
hassl-4534	164	9	dmgd	dmgd	PROPN
hassl-4534	164	10	profit	profit	NOUN
hassl-4534	164	11	size	size	NOUN
hassl-4534	164	12	inv	inv	VERB
hassl-4534	164	13	lvrg	lvrg	NOUN
hassl-4534	164	14	lnkill	lnkill	NOUN
hassl-4534	164	15	1	1	NUM
hassl-4534	164	16	lndstr	lndstr	NOUN
hassl-4534	164	17	0.948	0.948	NUM
hassl-4534	164	18	1	1	NUM
hassl-4534	164	19	lndmgd	lndmgd	NOUN
hassl-4534	164	20	0.944	0.944	NUM
hassl-4534	164	21	0.885	0.885	NUM
hassl-4534	164	22	1	1	NUM
hassl-4534	164	23	profit	profit	NOUN
hassl-4534	164	24	-0.179	-0.179	NOUN
hassl-4534	164	25	-0.142	-0.142	PUNCT
hassl-4534	164	26	-0.175	-0.175	PUNCT
hassl-4534	164	27	1	1	NUM
hassl-4534	164	28	lnsize	lnsize	NOUN
hassl-4534	164	29	0.028	0.028	NUM
hassl-4534	164	30	0.034	0.034	NUM
hassl-4534	164	31	-0.027	-0.027	PUNCT
hassl-4534	164	32	-0.067	-0.067	NUM
hassl-4534	164	33	1	1	NUM
hassl-4534	164	34	inv	inv	ADJ
hassl-4534	164	35	-0.227	-0.227	PUNCT
hassl-4534	164	36	-0.197	-0.197	PUNCT
hassl-4534	164	37	-0.212	-0.212	NUM
hassl-4534	164	38	0.837	0.837	NUM
hassl-4534	164	39	-0.086	-0.086	SYM
hassl-4534	164	40	1	1	NUM
hassl-4534	164	41	lvrg	lvrg	NOUN
hassl-4534	164	42	0.171	0.171	NUM
hassl-4534	164	43	0.187	0.187	NUM
hassl-4534	164	44	0.141	0.141	NUM
hassl-4534	164	45	0.068	0.068	NUM
hassl-4534	164	46	0.319	0.319	NUM
hassl-4534	164	47	0.077	0.077	NUM
hassl-4534	164	48	1	1	NUM
hassl-4534	164	49	4.2	4.2	NUM
hassl-4534	164	50	.	.	PUNCT
hassl-4534	165	1	hypothesis	hypothesis	NOUN
hassl-4534	165	2	testing	test	VERB
hassl-4534	165	3	the	the	DET
hassl-4534	165	4	multicollinearity	multicollinearity	NOUN
hassl-4534	165	5	test	test	NOUN
hassl-4534	165	6	was	be	AUX
hassl-4534	165	7	conducted	conduct	VERB
hassl-4534	165	8	to	to	PART
hassl-4534	165	9	confirm	confirm	VERB
hassl-4534	165	10	the	the	DET
hassl-4534	165	11	presence	presence	NOUN
hassl-4534	165	12	of	of	ADP
hassl-4534	165	13	a	a	DET
hassl-4534	165	14	correlation	correlation	NOUN
hassl-4534	165	15	between	between	ADP
hassl-4534	165	16	the	the	DET
hassl-4534	165	17	independent	independent	ADJ
hassl-4534	165	18	variables	variable	NOUN
hassl-4534	165	19	after	after	ADP
hassl-4534	165	20	selecting	select	VERB
hassl-4534	165	21	the	the	DET
hassl-4534	165	22	pols	pol	NOUN
hassl-4534	165	23	as	as	ADP
hassl-4534	165	24	the	the	DET
hassl-4534	165	25	model	model	NOUN
hassl-4534	165	26	's	's	PART
hassl-4534	165	27	estimator	estimator	NOUN
hassl-4534	165	28	.	.	PUNCT
hassl-4534	166	1	the	the	DET
hassl-4534	166	2	results	result	NOUN
hassl-4534	166	3	show	show	VERB
hassl-4534	166	4	that	that	SCONJ
hassl-4534	166	5	all	all	DET
hassl-4534	166	6	independent	independent	ADJ
hassl-4534	166	7	variables	variable	NOUN
hassl-4534	166	8	'	'	PART
hassl-4534	166	9	interactions	interaction	NOUN
hassl-4534	166	10	provided	provide	VERB
hassl-4534	166	11	a	a	DET
hassl-4534	166	12	preliminary	preliminary	ADJ
hassl-4534	166	13	view	view	NOUN
hassl-4534	166	14	of	of	ADP
hassl-4534	166	15	their	their	PRON
hassl-4534	166	16	univariate	univariate	ADJ
hassl-4534	166	17	relationship	relationship	NOUN
hassl-4534	166	18	.	.	PUNCT
hassl-4534	167	1	table	table	NOUN
hassl-4534	167	2	3	3	NUM
hassl-4534	167	3	shows	show	VERB
hassl-4534	167	4	the	the	DET
hassl-4534	167	5	explanatory	explanatory	ADJ
hassl-4534	167	6	and	and	CCONJ
hassl-4534	167	7	control	control	NOUN
hassl-4534	167	8	variables	variable	NOUN
hassl-4534	167	9	are	be	AUX
hassl-4534	167	10	free	free	ADJ
hassl-4534	167	11	from	from	ADP
hassl-4534	167	12	multicollinearity	multicollinearity	NOUN
hassl-4534	167	13	symptoms	symptom	NOUN
hassl-4534	167	14	,	,	PUNCT
hassl-4534	167	15	as	as	SCONJ
hassl-4534	167	16	the	the	DET
hassl-4534	167	17	correlation	correlation	NOUN
hassl-4534	167	18	coefficient	coefficient	NOUN
hassl-4534	167	19	is	be	AUX
hassl-4534	167	20	below	below	ADP
hassl-4534	167	21	0.95	0.95	NUM
hassl-4534	167	22	.	.	PUNCT
hassl-4534	168	1	humanities	humanity	NOUN
hassl-4534	168	2	and	and	CCONJ
hassl-4534	168	3	social	social	ADJ
hassl-4534	168	4	sciences	science	NOUN
hassl-4534	168	5	letters	letter	NOUN
hassl-4534	168	6	,	,	PUNCT
hassl-4534	168	7	2025	2025	NUM
hassl-4534	168	8	,	,	PUNCT
hassl-4534	168	9	13(4	13(4	NUM
hassl-4534	168	10	):	):	PUNCT
hassl-4534	168	11	1584	1584	NUM
hassl-4534	168	12	-	-	SYM
hassl-4534	168	13	1595	1595	NUM
hassl-4534	168	14	1590	1590	NUM
hassl-4534	168	15	©	©	PROPN
hassl-4534	168	16	2025	2025	NUM
hassl-4534	168	17	conscientia	conscientia	PROPN
hassl-4534	168	18	beam	beam	PROPN
hassl-4534	168	19	.	.	PUNCT
hassl-4534	169	1	all	all	DET
hassl-4534	169	2	rights	right	NOUN
hassl-4534	169	3	reserved	reserve	VERB
hassl-4534	169	4	.	.	PUNCT
hassl-4534	170	1	table	table	NOUN
hassl-4534	170	2	4	4	NUM
hassl-4534	170	3	.	.	PUNCT
hassl-4534	170	4	baseline	baseline	PROPN
hassl-4534	170	5	result	result	PROPN
hassl-4534	170	6	variables	variable	NOUN
hassl-4534	170	7	kill	kill	VERB
hassl-4534	170	8	dstr	dstr	PROPN
hassl-4534	170	9	dmgd	dmgd	PROPN
hassl-4534	170	10	pols	pol	VERB
hassl-4534	170	11	white	white	ADJ
hassl-4534	170	12	test	test	NOUN
hassl-4534	170	13	two	two	NUM
hassl-4534	170	14	-	-	PUNCT
hassl-4534	170	15	cluster	cluster	NOUN
hassl-4534	170	16	pols	pol	NOUN
hassl-4534	170	17	white	white	ADJ
hassl-4534	170	18	test	test	NOUN
hassl-4534	170	19	two	two	NUM
hassl-4534	170	20	-	-	PUNCT
hassl-4534	170	21	cluster	cluster	NOUN
hassl-4534	170	22	pols	pol	NOUN
hassl-4534	170	23	white	white	ADJ
hassl-4534	170	24	test	test	NOUN
hassl-4534	170	25	two	two	NUM
hassl-4534	170	26	-	-	PUNCT
hassl-4534	170	27	cluster	cluster	NOUN
hassl-4534	170	28	natural	natural	ADJ
hassl-4534	170	29	disasters	disaster	NOUN
hassl-4534	170	30	0.018	0.018	NUM
hassl-4534	170	31	0.305	0.305	NUM
hassl-4534	170	32	0.018	0.018	NUM
hassl-4534	170	33	0.018	0.018	NUM
hassl-4534	170	34	0.15	0.15	NUM
hassl-4534	170	35	0.018	0.018	NUM
hassl-4534	170	36	0.002	0.002	NUM
hassl-4534	170	37	0.14	0.14	NUM
hassl-4534	170	38	0.002	0.002	NUM
hassl-4534	170	39	(	(	PUNCT
hassl-4534	170	40	0.021	0.021	NUM
hassl-4534	170	41	)	)	PUNCT
hassl-4534	170	42	(	(	PUNCT
hassl-4534	170	43	0.238	0.238	NUM
hassl-4534	170	44	)	)	PUNCT
hassl-4534	170	45	(	(	PUNCT
hassl-4534	170	46	0.036	0.036	NUM
hassl-4534	170	47	)	)	PUNCT
hassl-4534	170	48	(	(	PUNCT
hassl-4534	170	49	0.010	0.010	NUM
hassl-4534	170	50	)	)	PUNCT
hassl-4534	170	51	(	(	PUNCT
hassl-4534	170	52	0.125	0.125	NUM
hassl-4534	170	53	)	)	PUNCT
hassl-4534	170	54	(	(	PUNCT
hassl-4534	170	55	0.018	0.018	NUM
hassl-4534	170	56	)	)	PUNCT
hassl-4534	170	57	(	(	PUNCT
hassl-4534	170	58	0.013	0.013	NUM
hassl-4534	170	59	)	)	PUNCT
hassl-4534	170	60	(	(	PUNCT
hassl-4534	170	61	0.086	0.086	NUM
hassl-4534	170	62	)	)	PUNCT
hassl-4534	170	63	(	(	PUNCT
hassl-4534	170	64	0.021	0.021	NUM
hassl-4534	170	65	)	)	PUNCT
hassl-4534	170	66	profit	profit	NOUN
hassl-4534	170	67	0.008	0.008	NUM
hassl-4534	170	68	0.018	0.018	NUM
hassl-4534	170	69	0.008	0.008	NUM
hassl-4534	170	70	0.01	0.01	NUM
hassl-4534	170	71	0.021	0.021	NUM
hassl-4534	170	72	0.01	0.01	NUM
hassl-4534	170	73	0.007	0.007	NUM
hassl-4534	170	74	0.034	0.034	NUM
hassl-4534	170	75	0.007	0.007	NUM
hassl-4534	170	76	(	(	PUNCT
hassl-4534	170	77	0.063	0.063	NUM
hassl-4534	170	78	)	)	PUNCT
hassl-4534	170	79	(	(	PUNCT
hassl-4534	170	80	0.110	0.110	NUM
hassl-4534	170	81	)	)	PUNCT
hassl-4534	170	82	(	(	PUNCT
hassl-4534	170	83	0.073	0.073	NUM
hassl-4534	170	84	)	)	PUNCT
hassl-4534	170	85	(	(	PUNCT
hassl-4534	170	86	0.063	0.063	NUM
hassl-4534	170	87	)	)	PUNCT
hassl-4534	170	88	(	(	PUNCT
hassl-4534	170	89	0.111	0.111	NUM
hassl-4534	170	90	)	)	PUNCT
hassl-4534	170	91	(	(	PUNCT
hassl-4534	170	92	0.072	0.072	NUM
hassl-4534	170	93	)	)	PUNCT
hassl-4534	170	94	(	(	PUNCT
hassl-4534	170	95	0.064	0.064	NUM
hassl-4534	170	96	)	)	PUNCT
hassl-4534	170	97	(	(	PUNCT
hassl-4534	170	98	0.112	0.112	NUM
hassl-4534	170	99	)	)	PUNCT
hassl-4534	170	100	(	(	PUNCT
hassl-4534	170	101	0.073	0.073	NUM
hassl-4534	170	102	)	)	PUNCT
hassl-4534	170	103	size	size	NOUN
hassl-4534	170	104	0.897	0.897	NUM
hassl-4534	170	105	*	*	PUNCT
hassl-4534	170	106	*	*	PUNCT
hassl-4534	170	107	*	*	PUNCT
hassl-4534	170	108	1.115	1.115	NUM
hassl-4534	170	109	*	*	PUNCT
hassl-4534	170	110	*	*	PUNCT
hassl-4534	170	111	*	*	PUNCT
hassl-4534	170	112	0.897	0.897	NUM
hassl-4534	170	113	*	*	PUNCT
hassl-4534	170	114	*	*	PUNCT
hassl-4534	170	115	*	*	PUNCT
hassl-4534	170	116	0.900	0.900	NUM
hassl-4534	170	117	*	*	PUNCT
hassl-4534	170	118	*	*	PUNCT
hassl-4534	170	119	*	*	PUNCT
hassl-4534	170	120	1.119	1.119	NUM
hassl-4534	170	121	*	*	PUNCT
hassl-4534	170	122	*	*	PUNCT
hassl-4534	170	123	*	*	PUNCT
hassl-4534	170	124	0.900	0.900	NUM
hassl-4534	170	125	*	*	PUNCT
hassl-4534	170	126	*	*	PUNCT
hassl-4534	170	127	*	*	PUNCT
hassl-4534	170	128	0.895	0.895	NUM
hassl-4534	170	129	*	*	PUNCT
hassl-4534	170	130	*	*	PUNCT
hassl-4534	170	131	*	*	PUNCT
hassl-4534	170	132	1.098	1.098	NUM
hassl-4534	170	133	*	*	PUNCT
hassl-4534	170	134	*	*	PUNCT
hassl-4534	170	135	*	*	PUNCT
hassl-4534	170	136	0.895	0.895	NUM
hassl-4534	170	137	*	*	PUNCT
hassl-4534	170	138	*	*	PUNCT
hassl-4534	170	139	*	*	PUNCT
hassl-4534	170	140	(	(	PUNCT
hassl-4534	170	141	0.020	0.020	NUM
hassl-4534	170	142	)	)	PUNCT
hassl-4534	170	143	(	(	PUNCT
hassl-4534	170	144	0.124	0.124	NUM
hassl-4534	170	145	)	)	PUNCT
hassl-4534	170	146	(	(	PUNCT
hassl-4534	170	147	0.020	0.020	NUM
hassl-4534	170	148	)	)	PUNCT
hassl-4534	170	149	(	(	PUNCT
hassl-4534	170	150	0.020	0.020	NUM
hassl-4534	170	151	)	)	PUNCT
hassl-4534	170	152	(	(	PUNCT
hassl-4534	170	153	0.125	0.125	NUM
hassl-4534	170	154	)	)	PUNCT
hassl-4534	170	155	(	(	PUNCT
hassl-4534	170	156	0.020	0.020	NUM
hassl-4534	170	157	)	)	PUNCT
hassl-4534	170	158	(	(	PUNCT
hassl-4534	170	159	0.020	0.020	NUM
hassl-4534	170	160	)	)	PUNCT
hassl-4534	170	161	(	(	PUNCT
hassl-4534	170	162	0.120	0.120	NUM
hassl-4534	170	163	)	)	PUNCT
hassl-4534	170	164	(	(	PUNCT
hassl-4534	170	165	0.020	0.020	NUM
hassl-4534	170	166	)	)	PUNCT
hassl-4534	170	167	inv	inv	VERB
hassl-4534	170	168	0.001	0.001	NUM
hassl-4534	170	169	0.029	0.029	NUM
hassl-4534	170	170	0.001	0.001	NUM
hassl-4534	170	171	-0.002	-0.002	PUNCT
hassl-4534	170	172	0.026	0.026	NUM
hassl-4534	170	173	-0.002	-0.002	PUNCT
hassl-4534	170	174	0.003	0.003	NUM
hassl-4534	170	175	0.036	0.036	NUM
hassl-4534	170	176	0.003	0.003	NUM
hassl-4534	170	177	(	(	PUNCT
hassl-4534	170	178	0.018	0.018	NUM
hassl-4534	170	179	)	)	PUNCT
hassl-4534	170	180	(	(	PUNCT
hassl-4534	170	181	0.057	0.057	NUM
hassl-4534	170	182	)	)	PUNCT
hassl-4534	170	183	(	(	PUNCT
hassl-4534	170	184	0.037	0.037	NUM
hassl-4534	170	185	)	)	PUNCT
hassl-4534	170	186	(	(	PUNCT
hassl-4534	170	187	0.019	0.019	NUM
hassl-4534	170	188	)	)	PUNCT
hassl-4534	170	189	(	(	PUNCT
hassl-4534	170	190	0.056	0.056	NUM
hassl-4534	170	191	)	)	PUNCT
hassl-4534	170	192	(	(	PUNCT
hassl-4534	170	193	0.038	0.038	NUM
hassl-4534	170	194	)	)	PUNCT
hassl-4534	170	195	(	(	PUNCT
hassl-4534	170	196	0.018	0.018	NUM
hassl-4534	170	197	)	)	PUNCT
hassl-4534	170	198	(	(	PUNCT
hassl-4534	170	199	0.065	0.065	NUM
hassl-4534	170	200	)	)	PUNCT
hassl-4534	170	201	(	(	PUNCT
hassl-4534	170	202	0.037	0.037	NUM
hassl-4534	170	203	)	)	PUNCT
hassl-4534	170	204	lvrg	lvrg	NOUN
hassl-4534	170	205	-0.004	-0.004	PUNCT
hassl-4534	170	206	-0.017	-0.017	PROPN
hassl-4534	170	207	*	*	PUNCT
hassl-4534	170	208	-0.004	-0.004	PUNCT
hassl-4534	170	209	-0.004	-0.004	PUNCT
hassl-4534	170	210	-0.017	-0.017	PROPN
hassl-4534	170	211	*	*	PUNCT
hassl-4534	170	212	-0.004	-0.004	PUNCT
hassl-4534	170	213	-0.005	-0.005	PUNCT
hassl-4534	171	1	-0.018	-0.018	PUNCT
hassl-4534	171	2	*	*	PUNCT
hassl-4534	171	3	*	*	PUNCT
hassl-4534	171	4	-0.005	-0.005	PRON
hassl-4534	171	5	(	(	PUNCT
hassl-4534	171	6	0.009	0.009	NUM
hassl-4534	171	7	)	)	PUNCT
hassl-4534	171	8	(	(	PUNCT
hassl-4534	171	9	0.010	0.010	NUM
hassl-4534	171	10	)	)	PUNCT
hassl-4534	171	11	(	(	PUNCT
hassl-4534	171	12	0.018	0.018	NUM
hassl-4534	171	13	)	)	PUNCT
hassl-4534	171	14	(	(	PUNCT
hassl-4534	171	15	0.009	0.009	NUM
hassl-4534	171	16	)	)	PUNCT
hassl-4534	171	17	(	(	PUNCT
hassl-4534	171	18	0.010	0.010	NUM
hassl-4534	171	19	)	)	PUNCT
hassl-4534	171	20	(	(	PUNCT
hassl-4534	171	21	0.018	0.018	NUM
hassl-4534	171	22	)	)	PUNCT
hassl-4534	171	23	(	(	PUNCT
hassl-4534	171	24	0.009	0.009	NUM
hassl-4534	171	25	)	)	PUNCT
hassl-4534	171	26	(	(	PUNCT
hassl-4534	171	27	0.008	0.008	NUM
hassl-4534	171	28	)	)	PUNCT
hassl-4534	171	29	(	(	PUNCT
hassl-4534	171	30	0.018	0.018	NUM
hassl-4534	171	31	)	)	PUNCT
hassl-4534	171	32	constant	constant	ADJ
hassl-4534	171	33	-1.801	-1.801	NOUN
hassl-4534	171	34	*	*	PUNCT
hassl-4534	171	35	*	*	PUNCT
hassl-4534	171	36	*	*	PUNCT
hassl-4534	171	37	-7.213	-7.213	PUNCT
hassl-4534	171	38	*	*	PUNCT
hassl-4534	171	39	*	*	NOUN
hassl-4534	171	40	-1.801	-1.801	NOUN
hassl-4534	171	41	*	*	PUNCT
hassl-4534	171	42	*	*	PUNCT
hassl-4534	171	43	*	*	PUNCT
hassl-4534	171	44	-1.863	-1.863	PUNCT
hassl-4534	171	45	*	*	PUNCT
hassl-4534	171	46	*	*	PUNCT
hassl-4534	171	47	*	*	PUNCT
hassl-4534	172	1	-7.324	-7.324	PUNCT
hassl-4534	172	2	*	*	PUNCT
hassl-4534	172	3	*	*	PUNCT
hassl-4534	172	4	-1.863	-1.863	PUNCT
hassl-4534	172	5	*	*	PUNCT
hassl-4534	172	6	*	*	PUNCT
hassl-4534	172	7	*	*	PUNCT
hassl-4534	172	8	-1.750	-1.750	PUNCT
hassl-4534	172	9	*	*	PUNCT
hassl-4534	172	10	*	*	PUNCT
hassl-4534	172	11	*	*	PUNCT
hassl-4534	172	12	-6.804	-6.804	PROPN
hassl-4534	172	13	*	*	NOUN
hassl-4534	172	14	*	*	NOUN
hassl-4534	172	15	-1.750	-1.750	PUNCT
hassl-4534	172	16	*	*	PUNCT
hassl-4534	172	17	*	*	PUNCT
hassl-4534	172	18	*	*	PUNCT
hassl-4534	172	19	(	(	PUNCT
hassl-4534	172	20	0.547	0.547	NUM
hassl-4534	172	21	)	)	PUNCT
hassl-4534	172	22	(	(	PUNCT
hassl-4534	172	23	3.110	3.110	NUM
hassl-4534	172	24	)	)	PUNCT
hassl-4534	172	25	(	(	PUNCT
hassl-4534	172	26	0.538	0.538	NUM
hassl-4534	172	27	)	)	PUNCT
hassl-4534	172	28	(	(	PUNCT
hassl-4534	172	29	0.543	0.543	NUM
hassl-4534	172	30	)	)	PUNCT
hassl-4534	172	31	(	(	PUNCT
hassl-4534	172	32	3.154	3.154	NUM
hassl-4534	172	33	)	)	PUNCT
hassl-4534	172	34	(	(	PUNCT
hassl-4534	172	35	0.532	0.532	NUM
hassl-4534	172	36	)	)	PUNCT
hassl-4534	172	37	(	(	PUNCT
hassl-4534	172	38	2.998	2.998	NUM
hassl-4534	172	39	)	)	PUNCT
hassl-4534	172	40	adjuster	adjuster	NOUN
hassl-4534	172	41	r	r	NOUN
hassl-4534	172	42	-	-	PUNCT
hassl-4534	172	43	squared	square	VERB
hassl-4534	172	44	0.699	0.699	NUM
hassl-4534	172	45	0.355	0.355	NUM
hassl-4534	172	46	0.701	0.701	NUM
hassl-4534	172	47	0.7	0.7	NUM
hassl-4534	172	48	0.353	0.353	NUM
hassl-4534	172	49	0.701	0.701	NUM
hassl-4534	172	50	0.348	0.348	NUM
hassl-4534	172	51	note	note	NOUN
hassl-4534	172	52	:	:	PUNCT
hassl-4534	172	53	*	*	PUNCT
hassl-4534	172	54	*	*	PUNCT
hassl-4534	172	55	*	*	PUNCT
hassl-4534	172	56	*	*	PUNCT
hassl-4534	172	57	,	,	PUNCT
hassl-4534	172	58	*	*	PUNCT
hassl-4534	172	59	*	*	PUNCT
hassl-4534	172	60	and	and	CCONJ
hassl-4534	172	61	*	*	PUNCT
hassl-4534	172	62	indicate	indicate	VERB
hassl-4534	172	63	significance	significance	NOUN
hassl-4534	172	64	at	at	ADP
hassl-4534	172	65	1	1	NUM
hassl-4534	172	66	%	%	NOUN
hassl-4534	172	67	,	,	PUNCT
hassl-4534	172	68	5	5	NUM
hassl-4534	172	69	%	%	NOUN
hassl-4534	172	70	and	and	CCONJ
hassl-4534	172	71	10	10	NUM
hassl-4534	172	72	%	%	NOUN
hassl-4534	172	73	,	,	PUNCT
hassl-4534	172	74	respectively	respectively	ADV
hassl-4534	172	75	.	.	PUNCT
hassl-4534	173	1	humanities	humanity	NOUN
hassl-4534	173	2	and	and	CCONJ
hassl-4534	173	3	social	social	ADJ
hassl-4534	173	4	sciences	science	NOUN
hassl-4534	173	5	letters	letter	NOUN
hassl-4534	173	6	,	,	PUNCT
hassl-4534	173	7	2025	2025	NUM
hassl-4534	173	8	,	,	PUNCT
hassl-4534	173	9	13(4	13(4	NUM
hassl-4534	173	10	):	):	PUNCT
hassl-4534	173	11	1584	1584	NUM
hassl-4534	173	12	-	-	SYM
hassl-4534	173	13	1595	1595	NUM
hassl-4534	173	14	1591	1591	NUM
hassl-4534	173	15	©	©	PROPN
hassl-4534	173	16	2025	2025	NUM
hassl-4534	173	17	conscientia	conscientia	PROPN
hassl-4534	173	18	beam	beam	PROPN
hassl-4534	173	19	.	.	PUNCT
hassl-4534	174	1	all	all	DET
hassl-4534	174	2	rights	right	NOUN
hassl-4534	174	3	reserved	reserve	VERB
hassl-4534	174	4	.	.	PUNCT
hassl-4534	175	1	table	table	NOUN
hassl-4534	175	2	4	4	NUM
hassl-4534	175	3	displays	display	VERB
hassl-4534	175	4	the	the	DET
hassl-4534	175	5	results	result	NOUN
hassl-4534	175	6	of	of	ADP
hassl-4534	175	7	the	the	DET
hassl-4534	175	8	baseline	baseline	NOUN
hassl-4534	175	9	model	model	NOUN
hassl-4534	175	10	testing	testing	NOUN
hassl-4534	175	11	.	.	PUNCT
hassl-4534	176	1	this	this	DET
hassl-4534	176	2	study	study	NOUN
hassl-4534	176	3	takes	take	VERB
hassl-4534	176	4	into	into	ADP
hassl-4534	176	5	account	account	NOUN
hassl-4534	176	6	the	the	DET
hassl-4534	176	7	possibility	possibility	NOUN
hassl-4534	176	8	of	of	ADP
hassl-4534	176	9	correlations	correlation	NOUN
hassl-4534	176	10	within	within	ADP
hassl-4534	176	11	clusters	cluster	NOUN
hassl-4534	176	12	by	by	ADP
hassl-4534	176	13	estimating	estimate	VERB
hassl-4534	176	14	all	all	DET
hassl-4534	176	15	regressions	regression	NOUN
hassl-4534	176	16	with	with	ADP
hassl-4534	176	17	pols	pol	NOUN
hassl-4534	176	18	,	,	PUNCT
hassl-4534	176	19	white	white	ADJ
hassl-4534	176	20	heteroscedastic	heteroscedastic	ADJ
hassl-4534	176	21	-	-	PUNCT
hassl-4534	176	22	robust	robust	ADJ
hassl-4534	176	23	and	and	CCONJ
hassl-4534	176	24	doubleclustered	doubleclustere	VERB
hassl-4534	176	25	standard	standard	ADJ
hassl-4534	176	26	errors	error	NOUN
hassl-4534	176	27	.	.	PUNCT
hassl-4534	177	1	the	the	DET
hassl-4534	177	2	top	top	ADJ
hassl-4534	177	3	row	row	NOUN
hassl-4534	177	4	of	of	ADP
hassl-4534	177	5	the	the	DET
hassl-4534	177	6	table	table	NOUN
hassl-4534	177	7	displays	display	VERB
hassl-4534	177	8	each	each	DET
hassl-4534	177	9	measurement	measurement	NOUN
hassl-4534	177	10	of	of	ADP
hassl-4534	177	11	natural	natural	ADJ
hassl-4534	177	12	disasters	disaster	NOUN
hassl-4534	177	13	,	,	PUNCT
hassl-4534	177	14	while	while	SCONJ
hassl-4534	177	15	the	the	DET
hassl-4534	177	16	left	left	ADJ
hassl-4534	177	17	column	column	NOUN
hassl-4534	177	18	displays	display	VERB
hassl-4534	177	19	all	all	DET
hassl-4534	177	20	the	the	DET
hassl-4534	177	21	independent	independent	ADJ
hassl-4534	177	22	and	and	CCONJ
hassl-4534	177	23	control	control	NOUN
hassl-4534	177	24	variables	variable	NOUN
hassl-4534	177	25	used	use	VERB
hassl-4534	177	26	in	in	ADP
hassl-4534	177	27	this	this	DET
hassl-4534	177	28	study	study	NOUN
hassl-4534	177	29	.	.	PUNCT
hassl-4534	178	1	the	the	DET
hassl-4534	178	2	white	white	PROPN
hassl-4534	178	3	test	test	NOUN
hassl-4534	178	4	and	and	CCONJ
hassl-4534	178	5	two	two	NUM
hassl-4534	178	6	-	-	PUNCT
hassl-4534	178	7	cluster	cluster	NOUN
hassl-4534	178	8	test	test	NOUN
hassl-4534	178	9	results	result	NOUN
hassl-4534	178	10	show	show	VERB
hassl-4534	178	11	that	that	SCONJ
hassl-4534	178	12	natural	natural	ADJ
hassl-4534	178	13	disasters	disaster	NOUN
hassl-4534	178	14	with	with	ADP
hassl-4534	178	15	each	each	DET
hassl-4534	178	16	measurement	measurement	NOUN
hassl-4534	178	17	(	(	PUNCT
hassl-4534	178	18	people	people	NOUN
hassl-4534	178	19	killed	kill	VERB
hassl-4534	178	20	,	,	PUNCT
hassl-4534	178	21	houses	house	NOUN
hassl-4534	178	22	destroyed	destroy	VERB
hassl-4534	178	23	,	,	PUNCT
hassl-4534	178	24	and	and	CCONJ
hassl-4534	178	25	houses	house	NOUN
hassl-4534	178	26	damaged	damage	VERB
hassl-4534	178	27	)	)	PUNCT
hassl-4534	178	28	have	have	VERB
hassl-4534	178	29	no	no	DET
hassl-4534	178	30	significant	significant	ADJ
hassl-4534	178	31	effect	effect	NOUN
hassl-4534	178	32	on	on	ADP
hassl-4534	178	33	a	a	DET
hassl-4534	178	34	global	global	ADJ
hassl-4534	178	35	bank	bank	NOUN
hassl-4534	178	36	's	's	PART
hassl-4534	178	37	credit	credit	NOUN
hassl-4534	178	38	risk	risk	NOUN
hassl-4534	178	39	.	.	PUNCT
hassl-4534	179	1	however	however	ADV
hassl-4534	179	2	,	,	PUNCT
hassl-4534	179	3	the	the	DET
hassl-4534	179	4	three	three	NUM
hassl-4534	179	5	variables	variable	NOUN
hassl-4534	179	6	have	have	VERB
hassl-4534	179	7	positive	positive	ADJ
hassl-4534	179	8	coefficients	coefficient	NOUN
hassl-4534	179	9	,	,	PUNCT
hassl-4534	179	10	which	which	PRON
hassl-4534	179	11	means	mean	VERB
hassl-4534	179	12	that	that	SCONJ
hassl-4534	179	13	the	the	DET
hassl-4534	179	14	several	several	ADJ
hassl-4534	179	15	people	people	NOUN
hassl-4534	179	16	killed	kill	VERB
hassl-4534	179	17	,	,	PUNCT
hassl-4534	179	18	houses	house	NOUN
hassl-4534	179	19	destroyed	destroy	VERB
hassl-4534	179	20	,	,	PUNCT
hassl-4534	179	21	and	and	CCONJ
hassl-4534	179	22	houses	house	NOUN
hassl-4534	179	23	damaged	damage	VERB
hassl-4534	179	24	due	due	ADP
hassl-4534	179	25	to	to	ADP
hassl-4534	179	26	natural	natural	ADJ
hassl-4534	179	27	disasters	disaster	NOUN
hassl-4534	179	28	,	,	PUNCT
hassl-4534	179	29	the	the	PRON
hassl-4534	179	30	higher	high	ADJ
hassl-4534	179	31	the	the	DET
hassl-4534	179	32	credit	credit	NOUN
hassl-4534	179	33	risk	risk	NOUN
hassl-4534	179	34	.	.	PUNCT
hassl-4534	180	1	these	these	DET
hassl-4534	180	2	findings	finding	NOUN
hassl-4534	180	3	align	align	VERB
hassl-4534	180	4	with	with	ADP
hassl-4534	180	5	chen	chen	PROPN
hassl-4534	180	6	et	et	PROPN
hassl-4534	180	7	al	al	PROPN
hassl-4534	180	8	.	.	PROPN
hassl-4534	181	1	(	(	PUNCT
hassl-4534	181	2	2023	2023	NUM
hassl-4534	181	3	)	)	PUNCT
hassl-4534	181	4	who	who	PRON
hassl-4534	181	5	found	find	VERB
hassl-4534	181	6	that	that	SCONJ
hassl-4534	181	7	more	more	ADJ
hassl-4534	181	8	people	people	NOUN
hassl-4534	181	9	killed	kill	VERB
hassl-4534	181	10	due	due	ADP
hassl-4534	181	11	to	to	ADP
hassl-4534	181	12	natural	natural	ADJ
hassl-4534	181	13	disasters	disaster	NOUN
hassl-4534	181	14	will	will	AUX
hassl-4534	181	15	increase	increase	VERB
hassl-4534	181	16	credit	credit	NOUN
hassl-4534	181	17	risk	risk	NOUN
hassl-4534	181	18	.	.	PUNCT
hassl-4534	182	1	brei	brei	ADV
hassl-4534	182	2	et	et	PROPN
hassl-4534	182	3	al	al	PROPN
hassl-4534	182	4	.	.	PROPN
hassl-4534	183	1	(	(	PUNCT
hassl-4534	183	2	2019	2019	NUM
hassl-4534	183	3	)	)	PUNCT
hassl-4534	183	4	note	note	VERB
hassl-4534	183	5	that	that	SCONJ
hassl-4534	183	6	there	there	PRON
hassl-4534	183	7	are	be	VERB
hassl-4534	183	8	no	no	DET
hassl-4534	183	9	signals	signal	NOUN
hassl-4534	183	10	of	of	ADP
hassl-4534	183	11	loan	loan	NOUN
hassl-4534	183	12	defaults	default	NOUN
hassl-4534	183	13	or	or	CCONJ
hassl-4534	183	14	bank	bank	NOUN
hassl-4534	183	15	capital	capital	NOUN
hassl-4534	183	16	decreases	decrease	VERB
hassl-4534	183	17	after	after	ADP
hassl-4534	183	18	the	the	DET
hassl-4534	183	19	occurrence	occurrence	NOUN
hassl-4534	183	20	of	of	ADP
hassl-4534	183	21	natural	natural	ADJ
hassl-4534	183	22	disasters	disaster	NOUN
hassl-4534	183	23	.	.	PUNCT
hassl-4534	184	1	with	with	ADP
hassl-4534	184	2	regard	regard	NOUN
hassl-4534	184	3	to	to	ADP
hassl-4534	184	4	control	control	NOUN
hassl-4534	184	5	variables	variable	NOUN
hassl-4534	184	6	,	,	PUNCT
hassl-4534	184	7	the	the	DET
hassl-4534	184	8	test	test	NOUN
hassl-4534	184	9	shows	show	VERB
hassl-4534	184	10	that	that	SCONJ
hassl-4534	184	11	only	only	ADJ
hassl-4534	184	12	size	size	NOUN
hassl-4534	184	13	or	or	CCONJ
hassl-4534	184	14	company	company	NOUN
hassl-4534	184	15	size	size	NOUN
hassl-4534	184	16	significantly	significantly	ADV
hassl-4534	184	17	influences	influence	VERB
hassl-4534	184	18	credit	credit	NOUN
hassl-4534	184	19	risk	risk	NOUN
hassl-4534	184	20	,	,	PUNCT
hassl-4534	184	21	while	while	SCONJ
hassl-4534	184	22	profitability	profitability	NOUN
hassl-4534	184	23	,	,	PUNCT
hassl-4534	184	24	company	company	NOUN
hassl-4534	184	25	size	size	NOUN
hassl-4534	184	26	,	,	PUNCT
hassl-4534	184	27	and	and	CCONJ
hassl-4534	184	28	investment	investment	NOUN
hassl-4534	184	29	have	have	VERB
hassl-4534	184	30	a	a	DET
hassl-4534	184	31	positive	positive	ADJ
hassl-4534	184	32	coefficient	coefficient	NOUN
hassl-4534	184	33	but	but	CCONJ
hassl-4534	184	34	an	an	DET
hassl-4534	184	35	insignificant	insignificant	ADJ
hassl-4534	184	36	correlation	correlation	NOUN
hassl-4534	184	37	with	with	ADP
hassl-4534	184	38	credit	credit	NOUN
hassl-4534	184	39	risk	risk	NOUN
hassl-4534	184	40	.	.	PUNCT
hassl-4534	185	1	similarly	similarly	ADV
hassl-4534	185	2	,	,	PUNCT
hassl-4534	185	3	leverage	leverage	NOUN
hassl-4534	185	4	has	have	VERB
hassl-4534	185	5	a	a	DET
hassl-4534	185	6	negative	negative	ADJ
hassl-4534	185	7	relationship	relationship	NOUN
hassl-4534	185	8	with	with	ADP
hassl-4534	185	9	credit	credit	NOUN
hassl-4534	185	10	risk	risk	NOUN
hassl-4534	185	11	,	,	PUNCT
hassl-4534	185	12	indicating	indicate	VERB
hassl-4534	185	13	that	that	SCONJ
hassl-4534	185	14	the	the	PRON
hassl-4534	185	15	higher	high	ADJ
hassl-4534	185	16	the	the	DET
hassl-4534	185	17	capital	capital	NOUN
hassl-4534	185	18	expenditure	expenditure	NOUN
hassl-4534	185	19	,	,	PUNCT
hassl-4534	185	20	the	the	PRON
hassl-4534	185	21	lower	low	ADJ
hassl-4534	185	22	the	the	DET
hassl-4534	185	23	credit	credit	NOUN
hassl-4534	185	24	risk	risk	NOUN
hassl-4534	185	25	.	.	PUNCT
hassl-4534	186	1	table	table	NOUN
hassl-4534	186	2	5	5	NUM
hassl-4534	186	3	displays	display	VERB
hassl-4534	186	4	the	the	DET
hassl-4534	186	5	results	result	NOUN
hassl-4534	186	6	of	of	ADP
hassl-4534	186	7	several	several	ADJ
hassl-4534	186	8	robustness	robustness	NOUN
hassl-4534	186	9	checks	check	NOUN
hassl-4534	186	10	conducted	conduct	VERB
hassl-4534	186	11	to	to	PART
hassl-4534	186	12	address	address	VERB
hassl-4534	186	13	the	the	DET
hassl-4534	186	14	endogeneity	endogeneity	NOUN
hassl-4534	186	15	concern	concern	NOUN
hassl-4534	186	16	.	.	PUNCT
hassl-4534	187	1	this	this	DET
hassl-4534	187	2	study	study	NOUN
hassl-4534	187	3	employed	employ	VERB
hassl-4534	187	4	the	the	DET
hassl-4534	187	5	gmm	gmm	PROPN
hassl-4534	187	6	dynamic	dynamic	ADJ
hassl-4534	187	7	panel	panel	NOUN
hassl-4534	187	8	framework	framework	NOUN
hassl-4534	187	9	.	.	PUNCT
hassl-4534	188	1	the	the	DET
hassl-4534	188	2	lagged	lag	VERB
hassl-4534	188	3	dependent	dependent	ADJ
hassl-4534	188	4	variable	variable	NOUN
hassl-4534	188	5	of	of	ADP
hassl-4534	188	6	the	the	DET
hassl-4534	188	7	npl	npl	NOUN
hassl-4534	188	8	is	be	AUX
hassl-4534	188	9	input	input	NOUN
hassl-4534	188	10	with	with	ADP
hassl-4534	188	11	lagged	lag	VERB
hassl-4534	188	12	data	datum	NOUN
hassl-4534	188	13	at	at	ADP
hassl-4534	188	14	the	the	DET
hassl-4534	188	15	right	right	NOUN
hassl-4534	188	16	of	of	ADP
hassl-4534	188	17	the	the	DET
hassl-4534	188	18	baseline	baseline	NOUN
hassl-4534	188	19	model	model	NOUN
hassl-4534	188	20	and	and	CCONJ
hassl-4534	188	21	the	the	DET
hassl-4534	188	22	dynamic	dynamic	ADJ
hassl-4534	188	23	panel	panel	NOUN
hassl-4534	188	24	model	model	NOUN
hassl-4534	188	25	is	be	AUX
hassl-4534	188	26	estimated	estimate	VERB
hassl-4534	188	27	with	with	ADP
hassl-4534	188	28	a	a	DET
hassl-4534	188	29	gmm	gmm	NOUN
hassl-4534	188	30	system	system	NOUN
hassl-4534	188	31	.	.	PUNCT
hassl-4534	189	1	the	the	DET
hassl-4534	189	2	findings	finding	NOUN
hassl-4534	189	3	in	in	ADP
hassl-4534	189	4	the	the	DET
hassl-4534	189	5	final	final	ADJ
hassl-4534	189	6	column	column	NOUN
hassl-4534	189	7	support	support	VERB
hassl-4534	189	8	a	a	DET
hassl-4534	189	9	causal	causal	ADJ
hassl-4534	189	10	relationship	relationship	NOUN
hassl-4534	189	11	between	between	ADP
hassl-4534	189	12	natural	natural	ADJ
hassl-4534	189	13	disasters	disaster	NOUN
hassl-4534	189	14	and	and	CCONJ
hassl-4534	189	15	credit	credit	NOUN
hassl-4534	189	16	risk	risk	NOUN
hassl-4534	189	17	.	.	PUNCT
hassl-4534	190	1	the	the	DET
hassl-4534	190	2	results	result	NOUN
hassl-4534	190	3	in	in	ADP
hassl-4534	190	4	table	table	NOUN
hassl-4534	190	5	5	5	NUM
hassl-4534	190	6	show	show	VERB
hassl-4534	190	7	that	that	SCONJ
hassl-4534	190	8	although	although	SCONJ
hassl-4534	190	9	natural	natural	ADJ
hassl-4534	190	10	disasters	disaster	NOUN
hassl-4534	190	11	have	have	VERB
hassl-4534	190	12	an	an	DET
hassl-4534	190	13	insignificant	insignificant	ADJ
hassl-4534	190	14	impact	impact	NOUN
hassl-4534	190	15	on	on	ADP
hassl-4534	190	16	credit	credit	NOUN
hassl-4534	190	17	risk	risk	NOUN
hassl-4534	190	18	,	,	PUNCT
hassl-4534	190	19	the	the	DET
hassl-4534	190	20	positive	positive	ADJ
hassl-4534	190	21	coefficient	coefficient	NOUN
hassl-4534	190	22	verifies	verifie	NOUN
hassl-4534	190	23	the	the	DET
hassl-4534	190	24	hypothesis	hypothesis	NOUN
hassl-4534	190	25	that	that	PRON
hassl-4534	190	26	natural	natural	ADJ
hassl-4534	190	27	disasters	disaster	NOUN
hassl-4534	190	28	have	have	VERB
hassl-4534	190	29	a	a	DET
hassl-4534	190	30	positive	positive	ADJ
hassl-4534	190	31	impact	impact	NOUN
hassl-4534	190	32	on	on	ADP
hassl-4534	190	33	global	global	ADJ
hassl-4534	190	34	banking	banking	NOUN
hassl-4534	190	35	's	's	PART
hassl-4534	190	36	credit	credit	NOUN
hassl-4534	190	37	risk	risk	NOUN
hassl-4534	190	38	.	.	PUNCT
hassl-4534	191	1	insignificant	insignificant	ADJ
hassl-4534	191	2	results	result	NOUN
hassl-4534	191	3	may	may	AUX
hassl-4534	191	4	occur	occur	VERB
hassl-4534	191	5	because	because	SCONJ
hassl-4534	191	6	of	of	ADP
hassl-4534	191	7	the	the	DET
hassl-4534	191	8	involvement	involvement	NOUN
hassl-4534	191	9	of	of	ADP
hassl-4534	191	10	third	third	ADJ
hassl-4534	191	11	-	-	PUNCT
hassl-4534	191	12	party	party	NOUN
hassl-4534	191	13	institutions	institution	NOUN
hassl-4534	191	14	,	,	PUNCT
hassl-4534	191	15	such	such	ADJ
hassl-4534	191	16	as	as	ADP
hassl-4534	191	17	insurance	insurance	NOUN
hassl-4534	191	18	companies	company	NOUN
hassl-4534	191	19	.	.	PUNCT
hassl-4534	192	1	firstly	firstly	ADV
hassl-4534	192	2	,	,	PUNCT
hassl-4534	192	3	when	when	SCONJ
hassl-4534	192	4	dealing	deal	VERB
hassl-4534	192	5	with	with	ADP
hassl-4534	192	6	natural	natural	ADJ
hassl-4534	192	7	disasters	disaster	NOUN
hassl-4534	192	8	,	,	PUNCT
hassl-4534	192	9	the	the	DET
hassl-4534	192	10	majority	majority	NOUN
hassl-4534	192	11	of	of	ADP
hassl-4534	192	12	banks	bank	NOUN
hassl-4534	192	13	have	have	AUX
hassl-4534	192	14	implied	imply	VERB
hassl-4534	192	15	credit	credit	NOUN
hassl-4534	192	16	risk	risk	NOUN
hassl-4534	192	17	management	management	NOUN
hassl-4534	192	18	by	by	ADP
hassl-4534	192	19	transferring	transfer	VERB
hassl-4534	192	20	the	the	DET
hassl-4534	192	21	risk	risk	NOUN
hassl-4534	192	22	to	to	ADP
hassl-4534	192	23	insurance	insurance	NOUN
hassl-4534	192	24	companies	company	NOUN
hassl-4534	192	25	.	.	PUNCT
hassl-4534	193	1	the	the	DET
hassl-4534	193	2	existence	existence	NOUN
hassl-4534	193	3	of	of	ADP
hassl-4534	193	4	insurance	insurance	NOUN
hassl-4534	193	5	companies	company	NOUN
hassl-4534	193	6	serves	serve	VERB
hassl-4534	193	7	as	as	ADP
hassl-4534	193	8	a	a	DET
hassl-4534	193	9	buffer	buffer	NOUN
hassl-4534	193	10	against	against	ADP
hassl-4534	193	11	both	both	DET
hassl-4534	193	12	economic	economic	ADJ
hassl-4534	193	13	losses	loss	NOUN
hassl-4534	193	14	for	for	ADP
hassl-4534	193	15	society	society	NOUN
hassl-4534	193	16	and	and	CCONJ
hassl-4534	193	17	institutions	institution	NOUN
hassl-4534	193	18	from	from	ADP
hassl-4534	193	19	natural	natural	ADJ
hassl-4534	193	20	disasters	disaster	NOUN
hassl-4534	193	21	.	.	PUNCT
hassl-4534	194	1	for	for	ADP
hassl-4534	194	2	example	example	NOUN
hassl-4534	194	3	,	,	PUNCT
hassl-4534	194	4	the	the	DET
hassl-4534	194	5	us	us	PROPN
hassl-4534	194	6	government	government	NOUN
hassl-4534	194	7	requires	require	VERB
hassl-4534	194	8	creditors	creditor	NOUN
hassl-4534	194	9	to	to	PART
hassl-4534	194	10	take	take	VERB
hassl-4534	194	11	out	out	ADP
hassl-4534	194	12	flood	flood	NOUN
hassl-4534	194	13	insurance	insurance	NOUN
hassl-4534	194	14	if	if	SCONJ
hassl-4534	194	15	they	they	PRON
hassl-4534	194	16	wish	wish	VERB
hassl-4534	194	17	to	to	PART
hassl-4534	194	18	take	take	VERB
hassl-4534	194	19	out	out	ADP
hassl-4534	194	20	a	a	DET
hassl-4534	194	21	bank	bank	NOUN
hassl-4534	194	22	loan	loan	NOUN
hassl-4534	194	23	.	.	PUNCT
hassl-4534	195	1	kousky	kousky	PROPN
hassl-4534	195	2	et	et	PROPN
hassl-4534	195	3	al	al	PROPN
hassl-4534	195	4	.	.	PROPN
hassl-4534	195	5	(	(	PUNCT
hassl-4534	195	6	2020	2020	NUM
hassl-4534	195	7	)	)	PUNCT
hassl-4534	195	8	found	find	VERB
hassl-4534	195	9	that	that	SCONJ
hassl-4534	195	10	flood	flood	NOUN
hassl-4534	195	11	insurance	insurance	NOUN
hassl-4534	195	12	protects	protect	VERB
hassl-4534	195	13	mortgage	mortgage	NOUN
hassl-4534	195	14	lenders	lender	NOUN
hassl-4534	195	15	and	and	CCONJ
hassl-4534	195	16	homeowners	homeowner	NOUN
hassl-4534	195	17	in	in	ADP
hassl-4534	195	18	the	the	DET
hassl-4534	195	19	us	us	PROPN
hassl-4534	195	20	from	from	ADP
hassl-4534	195	21	credit	credit	NOUN
hassl-4534	195	22	risk	risk	NOUN
hassl-4534	195	23	,	,	PUNCT
hassl-4534	195	24	proving	prove	VERB
hassl-4534	195	25	the	the	DET
hassl-4534	195	26	appropriateness	appropriateness	NOUN
hassl-4534	195	27	of	of	ADP
hassl-4534	195	28	this	this	DET
hassl-4534	195	29	policy	policy	NOUN
hassl-4534	195	30	.	.	PUNCT
hassl-4534	196	1	secondly	secondly	ADV
hassl-4534	196	2	,	,	PUNCT
hassl-4534	196	3	insurance	insurance	NOUN
hassl-4534	196	4	coverage	coverage	NOUN
hassl-4534	196	5	has	have	AUX
hassl-4534	196	6	had	have	VERB
hassl-4534	196	7	very	very	ADV
hassl-4534	196	8	high	high	ADJ
hassl-4534	196	9	penetration	penetration	NOUN
hassl-4534	196	10	,	,	PUNCT
hassl-4534	196	11	especially	especially	ADV
hassl-4534	196	12	in	in	ADP
hassl-4534	196	13	regions	region	NOUN
hassl-4534	196	14	prone	prone	ADJ
hassl-4534	196	15	to	to	ADP
hassl-4534	196	16	natural	natural	ADJ
hassl-4534	196	17	disasters	disaster	NOUN
hassl-4534	196	18	.	.	PUNCT
hassl-4534	197	1	table	table	NOUN
hassl-4534	197	2	5	5	NUM
hassl-4534	197	3	.	.	PUNCT
hassl-4534	197	4	two	two	NUM
hassl-4534	197	5	-	-	PUNCT
hassl-4534	197	6	step	step	NOUN
hassl-4534	197	7	gmm	gmm	NOUN
hassl-4534	197	8	variables	variable	NOUN
hassl-4534	197	9	kill	kill	VERB
hassl-4534	197	10	dstr	dstr	PROPN
hassl-4534	197	11	dmgd	dmgd	PROPN
hassl-4534	197	12	npl	npl	PROPN
hassl-4534	197	13	0.640	0.640	NUM
hassl-4534	197	14	*	*	PUNCT
hassl-4534	197	15	*	*	PUNCT
hassl-4534	197	16	*	*	PUNCT
hassl-4534	197	17	0.655	0.655	NUM
hassl-4534	197	18	*	*	PUNCT
hassl-4534	197	19	*	*	PUNCT
hassl-4534	197	20	*	*	PUNCT
hassl-4534	197	21	0.657	0.657	NUM
hassl-4534	197	22	*	*	PUNCT
hassl-4534	197	23	*	*	PUNCT
hassl-4534	197	24	*	*	PUNCT
hassl-4534	197	25	(	(	PUNCT
hassl-4534	197	26	0.127	0.127	NUM
hassl-4534	197	27	)	)	PUNCT
hassl-4534	197	28	(	(	PUNCT
hassl-4534	197	29	0.115	0.115	NUM
hassl-4534	197	30	)	)	PUNCT
hassl-4534	197	31	(	(	PUNCT
hassl-4534	197	32	0.114	0.114	X
hassl-4534	197	33	)	)	PUNCT
hassl-4534	197	34	natural	natural	ADJ
hassl-4534	197	35	disaster	disaster	NOUN
hassl-4534	197	36	-0.196	-0.196	PROPN
hassl-4534	197	37	-0.077	-0.077	X
hassl-4534	197	38	-0.104	-0.104	PROPN
hassl-4534	197	39	(	(	PUNCT
hassl-4534	197	40	0.239	0.239	NUM
hassl-4534	197	41	)	)	PUNCT
hassl-4534	197	42	(	(	PUNCT
hassl-4534	197	43	0.065	0.065	NUM
hassl-4534	197	44	)	)	PUNCT
hassl-4534	197	45	(	(	PUNCT
hassl-4534	197	46	0.086	0.086	NUM
hassl-4534	197	47	)	)	PUNCT
hassl-4534	197	48	profit	profit	NOUN
hassl-4534	197	49	-0.005	-0.005	PUNCT
hassl-4534	197	50	-0.003	-0.003	NOUN
hassl-4534	197	51	-0.009	-0.009	PUNCT
hassl-4534	197	52	(	(	PUNCT
hassl-4534	197	53	0.045	0.045	NUM
hassl-4534	197	54	)	)	PUNCT
hassl-4534	197	55	(	(	PUNCT
hassl-4534	197	56	0.047	0.047	NUM
hassl-4534	197	57	)	)	PUNCT
hassl-4534	197	58	(	(	PUNCT
hassl-4534	197	59	0.046	0.046	NUM
hassl-4534	197	60	)	)	PUNCT
hassl-4534	197	61	size	size	NOUN
hassl-4534	197	62	0.785	0.785	NUM
hassl-4534	197	63	*	*	PUNCT
hassl-4534	197	64	*	*	PUNCT
hassl-4534	197	65	*	*	PUNCT
hassl-4534	198	1	0.777	0.777	NUM
hassl-4534	198	2	*	*	PUNCT
hassl-4534	198	3	*	*	PUNCT
hassl-4534	198	4	*	*	PUNCT
hassl-4534	198	5	0.760	0.760	NUM
hassl-4534	198	6	*	*	PUNCT
hassl-4534	198	7	*	*	PUNCT
hassl-4534	198	8	*	*	PUNCT
hassl-4534	198	9	(	(	PUNCT
hassl-4534	198	10	0.228	0.228	NUM
hassl-4534	198	11	)	)	PUNCT
hassl-4534	198	12	(	(	PUNCT
hassl-4534	198	13	0.226	0.226	NUM
hassl-4534	198	14	)	)	PUNCT
hassl-4534	198	15	(	(	PUNCT
hassl-4534	198	16	0.223	0.223	NUM
hassl-4534	198	17	)	)	PUNCT
hassl-4534	198	18	inv	inv	VERB
hassl-4534	198	19	-0.017	-0.017	SYM
hassl-4534	198	20	-0.016	-0.016	PUNCT
hassl-4534	198	21	-0.018	-0.018	X
hassl-4534	198	22	(	(	PUNCT
hassl-4534	198	23	0.023	0.023	NUM
hassl-4534	198	24	)	)	PUNCT
hassl-4534	198	25	(	(	PUNCT
hassl-4534	198	26	0.023	0.023	NUM
hassl-4534	198	27	)	)	PUNCT
hassl-4534	198	28	(	(	PUNCT
hassl-4534	198	29	0.024	0.024	NUM
hassl-4534	198	30	)	)	PUNCT
hassl-4534	198	31	lvrg	lvrg	NOUN
hassl-4534	198	32	-0.004	-0.004	PUNCT
hassl-4534	198	33	-0.004	-0.004	PUNCT
hassl-4534	198	34	-0.003	-0.003	PUNCT
hassl-4534	198	35	(	(	PUNCT
hassl-4534	198	36	0.011	0.011	NUM
hassl-4534	198	37	)	)	PUNCT
hassl-4534	198	38	(	(	PUNCT
hassl-4534	198	39	0.011	0.011	NUM
hassl-4534	198	40	)	)	PUNCT
hassl-4534	198	41	(	(	PUNCT
hassl-4534	198	42	0.011	0.011	NUM
hassl-4534	198	43	)	)	PUNCT
hassl-4534	198	44	constant	constant	ADJ
hassl-4534	198	45	-11.545	-11.545	NOUN
hassl-4534	198	46	*	*	PUNCT
hassl-4534	198	47	*	*	PUNCT
hassl-4534	198	48	*	*	PUNCT
hassl-4534	198	49	-11.646	-11.646	PROPN
hassl-4534	198	50	*	*	PUNCT
hassl-4534	198	51	*	*	PUNCT
hassl-4534	198	52	*	*	PUNCT
hassl-4534	198	53	-11.292	-11.292	NOUN
hassl-4534	198	54	*	*	PUNCT
hassl-4534	198	55	*	*	PUNCT
hassl-4534	198	56	*	*	PUNCT
hassl-4534	198	57	(	(	PUNCT
hassl-4534	198	58	3.989	3.989	NUM
hassl-4534	198	59	)	)	PUNCT
hassl-4534	198	60	(	(	PUNCT
hassl-4534	198	61	3.763	3.763	NUM
hassl-4534	198	62	)	)	PUNCT
hassl-4534	198	63	(	(	PUNCT
hassl-4534	198	64	3.666	3.666	NUM
hassl-4534	198	65	)	)	PUNCT
hassl-4534	198	66	ar(1	ar(1	PROPN
hassl-4534	198	67	)	)	PUNCT
hassl-4534	198	68	0.0136	0.0136	NUM
hassl-4534	198	69	0.0102	0.0102	NUM
hassl-4534	198	70	0.0102	0.0102	NUM
hassl-4534	198	71	ar(2	ar(2	NOUN
hassl-4534	198	72	)	)	PUNCT
hassl-4534	198	73	0.3437	0.3437	NUM
hassl-4534	198	74	0.3513	0.3513	NUM
hassl-4534	198	75	0.3558	0.3558	NUM
hassl-4534	198	76	sargan	sargan	VERB
hassl-4534	198	77	0.4645	0.4645	NUM
hassl-4534	198	78	0.528	0.528	NUM
hassl-4534	198	79	0.5132	0.5132	NUM
hassl-4534	198	80	note	note	NOUN
hassl-4534	198	81	:	:	PUNCT
hassl-4534	198	82	*	*	PUNCT
hassl-4534	198	83	*	*	PUNCT
hassl-4534	198	84	*	*	PUNCT
hassl-4534	198	85	*	*	PUNCT
hassl-4534	198	86	indicate	indicate	VERB
hassl-4534	198	87	significance	significance	NOUN
hassl-4534	198	88	at	at	ADP
hassl-4534	198	89	1	1	NUM
hassl-4534	198	90	%	%	NOUN
hassl-4534	198	91	,	,	PUNCT
hassl-4534	198	92	respectively	respectively	ADV
hassl-4534	198	93	.	.	PUNCT
hassl-4534	199	1	humanities	humanity	NOUN
hassl-4534	199	2	and	and	CCONJ
hassl-4534	199	3	social	social	ADJ
hassl-4534	199	4	sciences	science	NOUN
hassl-4534	199	5	letters	letter	NOUN
hassl-4534	199	6	,	,	PUNCT
hassl-4534	199	7	2025	2025	NUM
hassl-4534	199	8	,	,	PUNCT
hassl-4534	199	9	13(4	13(4	NUM
hassl-4534	199	10	):	):	PUNCT
hassl-4534	199	11	1584	1584	NUM
hassl-4534	199	12	-	-	SYM
hassl-4534	199	13	1595	1595	NUM
hassl-4534	199	14	1592	1592	NUM
hassl-4534	199	15	©	©	PROPN
hassl-4534	199	16	2025	2025	NUM
hassl-4534	199	17	conscientia	conscientia	PROPN
hassl-4534	199	18	beam	beam	PROPN
hassl-4534	199	19	.	.	PUNCT
hassl-4534	200	1	all	all	DET
hassl-4534	200	2	rights	right	NOUN
hassl-4534	200	3	reserved	reserve	VERB
hassl-4534	200	4	.	.	PUNCT
hassl-4534	201	1	breckner	breckner	NOUN
hassl-4534	201	2	,	,	PUNCT
hassl-4534	201	3	englmaier	englmaier	NOUN
hassl-4534	201	4	,	,	PUNCT
hassl-4534	201	5	stowasser	stowasser	NOUN
hassl-4534	201	6	,	,	PUNCT
hassl-4534	201	7	and	and	CCONJ
hassl-4534	201	8	sunde	sunde	X
hassl-4534	201	9	(	(	PUNCT
hassl-4534	201	10	2016	2016	NUM
hassl-4534	201	11	)	)	PUNCT
hassl-4534	201	12	stated	state	VERB
hassl-4534	201	13	that	that	SCONJ
hassl-4534	201	14	the	the	DET
hassl-4534	201	15	adoption	adoption	NOUN
hassl-4534	201	16	of	of	ADP
hassl-4534	201	17	private	private	ADJ
hassl-4534	201	18	insurance	insurance	NOUN
hassl-4534	201	19	and	and	CCONJ
hassl-4534	201	20	a	a	DET
hassl-4534	201	21	stable	stable	ADJ
hassl-4534	201	22	,	,	PUNCT
hassl-4534	201	23	institutionalized	institutionalized	ADJ
hassl-4534	201	24	environment	environment	NOUN
hassl-4534	201	25	work	work	NOUN
hassl-4534	201	26	in	in	ADP
hassl-4534	201	27	tandem	tandem	NOUN
hassl-4534	201	28	to	to	PART
hassl-4534	201	29	mitigate	mitigate	VERB
hassl-4534	201	30	the	the	DET
hassl-4534	201	31	negative	negative	ADJ
hassl-4534	201	32	effects	effect	NOUN
hassl-4534	201	33	of	of	ADP
hassl-4534	201	34	natural	natural	ADJ
hassl-4534	201	35	disasters	disaster	NOUN
hassl-4534	201	36	.	.	PUNCT
hassl-4534	202	1	compared	compare	VERB
hassl-4534	202	2	to	to	ADP
hassl-4534	202	3	data	datum	NOUN
hassl-4534	202	4	from	from	ADP
hassl-4534	202	5	linnerooth	linnerooth	NOUN
hassl-4534	202	6	-	-	PUNCT
hassl-4534	202	7	bayer	bayer	NOUN
hassl-4534	202	8	,	,	PUNCT
hassl-4534	202	9	mechler	mechler	NOUN
hassl-4534	202	10	,	,	PUNCT
hassl-4534	202	11	and	and	CCONJ
hassl-4534	202	12	hochrainer	hochrainer	NOUN
hassl-4534	202	13	(	(	PUNCT
hassl-4534	202	14	2011	2011	NUM
hassl-4534	202	15	)	)	PUNCT
hassl-4534	202	16	which	which	PRON
hassl-4534	202	17	shows	show	VERB
hassl-4534	202	18	that	that	SCONJ
hassl-4534	202	19	the	the	DET
hassl-4534	202	20	insured	insured	ADJ
hassl-4534	202	21	share	share	NOUN
hassl-4534	202	22	of	of	ADP
hassl-4534	202	23	total	total	ADJ
hassl-4534	202	24	losses	loss	NOUN
hassl-4534	202	25	due	due	ADP
hassl-4534	202	26	to	to	ADP
hassl-4534	202	27	natural	natural	ADJ
hassl-4534	202	28	disasters	disaster	NOUN
hassl-4534	202	29	was	be	AUX
hassl-4534	202	30	only	only	ADV
hassl-4534	202	31	17	17	NUM
hassl-4534	202	32	%	%	NOUN
hassl-4534	202	33	in	in	ADP
hassl-4534	202	34	2005	2005	NUM
hassl-4534	202	35	.	.	PUNCT
hassl-4534	203	1	this	this	PRON
hassl-4534	203	2	indicates	indicate	VERB
hassl-4534	203	3	a	a	DET
hassl-4534	203	4	very	very	ADV
hassl-4534	203	5	good	good	ADJ
hassl-4534	203	6	penetration	penetration	NOUN
hassl-4534	203	7	of	of	ADP
hassl-4534	203	8	insurance	insurance	NOUN
hassl-4534	203	9	coverage	coverage	NOUN
hassl-4534	203	10	.	.	PUNCT
hassl-4534	204	1	from	from	ADP
hassl-4534	204	2	a	a	DET
hassl-4534	204	3	societal	societal	ADJ
hassl-4534	204	4	perspective	perspective	NOUN
hassl-4534	204	5	,	,	PUNCT
hassl-4534	204	6	liu	liu	PROPN
hassl-4534	204	7	,	,	PUNCT
hassl-4534	204	8	tang	tang	PROPN
hassl-4534	204	9	,	,	PUNCT
hassl-4534	204	10	ge	ge	PROPN
hassl-4534	204	11	,	,	PUNCT
hassl-4534	204	12	and	and	CCONJ
hassl-4534	204	13	miranda	miranda	PROPN
hassl-4534	204	14	(	(	PUNCT
hassl-4534	204	15	2019	2019	NUM
hassl-4534	204	16	)	)	PUNCT
hassl-4534	204	17	also	also	ADV
hassl-4534	204	18	found	find	VERB
hassl-4534	204	19	that	that	SCONJ
hassl-4534	204	20	people	people	NOUN
hassl-4534	204	21	who	who	PRON
hassl-4534	204	22	live	live	VERB
hassl-4534	204	23	in	in	ADP
hassl-4534	204	24	places	place	NOUN
hassl-4534	204	25	with	with	ADP
hassl-4534	204	26	more	more	ADV
hassl-4534	204	27	vulnerable	vulnerable	ADJ
hassl-4534	204	28	locations	location	NOUN
hassl-4534	204	29	to	to	ADP
hassl-4534	204	30	natural	natural	ADJ
hassl-4534	204	31	disasters	disaster	NOUN
hassl-4534	204	32	have	have	VERB
hassl-4534	204	33	a	a	DET
hassl-4534	204	34	higher	high	ADJ
hassl-4534	204	35	willingness	willingness	NOUN
hassl-4534	204	36	to	to	PART
hassl-4534	204	37	pay	pay	VERB
hassl-4534	204	38	for	for	ADP
hassl-4534	204	39	insurance	insurance	NOUN
hassl-4534	204	40	costs	cost	NOUN
hassl-4534	204	41	.	.	PUNCT
hassl-4534	205	1	4.3	4.3	NUM
hassl-4534	205	2	.	.	PUNCT
hassl-4534	205	3	discussion	discussion	NOUN
hassl-4534	205	4	the	the	DET
hassl-4534	205	5	growing	grow	VERB
hassl-4534	205	6	awareness	awareness	NOUN
hassl-4534	205	7	of	of	ADP
hassl-4534	205	8	global	global	ADJ
hassl-4534	205	9	climate	climate	NOUN
hassl-4534	205	10	change	change	NOUN
hassl-4534	205	11	is	be	AUX
hassl-4534	205	12	what	what	PRON
hassl-4534	205	13	drives	drive	VERB
hassl-4534	205	14	the	the	DET
hassl-4534	205	15	increased	increase	VERB
hassl-4534	205	16	public	public	ADJ
hassl-4534	205	17	and	and	CCONJ
hassl-4534	205	18	policy	policy	NOUN
hassl-4534	205	19	awareness	awareness	NOUN
hassl-4534	205	20	of	of	ADP
hassl-4534	205	21	extreme	extreme	ADJ
hassl-4534	205	22	climate	climate	NOUN
hassl-4534	205	23	events	event	NOUN
hassl-4534	205	24	(	(	PUNCT
hassl-4534	205	25	vu	vu	X
hassl-4534	205	26	&	&	CCONJ
hassl-4534	205	27	noy	noy	PROPN
hassl-4534	205	28	,	,	PUNCT
hassl-4534	205	29	2015	2015	NUM
hassl-4534	205	30	)	)	PUNCT
hassl-4534	205	31	.	.	PUNCT
hassl-4534	206	1	this	this	DET
hassl-4534	206	2	research	research	NOUN
hassl-4534	206	3	focusses	focusse	VERB
hassl-4534	206	4	on	on	ADP
hassl-4534	206	5	how	how	SCONJ
hassl-4534	206	6	natural	natural	ADJ
hassl-4534	206	7	disasters	disaster	NOUN
hassl-4534	206	8	can	can	AUX
hassl-4534	206	9	affect	affect	VERB
hassl-4534	206	10	credit	credit	NOUN
hassl-4534	206	11	risk	risk	NOUN
hassl-4534	206	12	,	,	PUNCT
hassl-4534	206	13	and	and	CCONJ
hassl-4534	206	14	the	the	DET
hassl-4534	206	15	results	result	NOUN
hassl-4534	206	16	above	above	ADV
hassl-4534	206	17	showed	show	VERB
hassl-4534	206	18	that	that	SCONJ
hassl-4534	206	19	people	people	NOUN
hassl-4534	206	20	killed	kill	VERB
hassl-4534	206	21	,	,	PUNCT
hassl-4534	206	22	houses	house	NOUN
hassl-4534	206	23	destroyed	destroy	VERB
hassl-4534	206	24	,	,	PUNCT
hassl-4534	206	25	and	and	CCONJ
hassl-4534	206	26	houses	house	NOUN
hassl-4534	206	27	damaged	damage	VERB
hassl-4534	206	28	have	have	VERB
hassl-4534	206	29	a	a	DET
hassl-4534	206	30	positive	positive	ADJ
hassl-4534	206	31	correlation	correlation	NOUN
hassl-4534	206	32	with	with	ADP
hassl-4534	206	33	global	global	ADJ
hassl-4534	206	34	banks	bank	NOUN
hassl-4534	206	35	'	'	PART
hassl-4534	206	36	credit	credit	NOUN
hassl-4534	206	37	risk	risk	NOUN
hassl-4534	206	38	.	.	PUNCT
hassl-4534	207	1	this	this	PRON
hassl-4534	207	2	means	mean	VERB
hassl-4534	207	3	that	that	SCONJ
hassl-4534	207	4	more	more	ADJ
hassl-4534	207	5	natural	natural	ADJ
hassl-4534	207	6	disasters	disaster	NOUN
hassl-4534	207	7	will	will	AUX
hassl-4534	207	8	raise	raise	VERB
hassl-4534	207	9	credit	credit	NOUN
hassl-4534	207	10	risk	risk	NOUN
hassl-4534	207	11	.	.	PUNCT
hassl-4534	208	1	this	this	DET
hassl-4534	208	2	result	result	NOUN
hassl-4534	208	3	aligns	align	VERB
hassl-4534	208	4	with	with	ADP
hassl-4534	208	5	the	the	DET
hassl-4534	208	6	findings	finding	NOUN
hassl-4534	208	7	of	of	ADP
hassl-4534	208	8	chen	chen	PROPN
hassl-4534	208	9	et	et	PROPN
hassl-4534	208	10	al	al	PROPN
hassl-4534	208	11	.	.	PROPN
hassl-4534	209	1	(	(	PUNCT
hassl-4534	209	2	2023	2023	NUM
hassl-4534	209	3	)	)	PUNCT
hassl-4534	209	4	who	who	PRON
hassl-4534	209	5	used	use	VERB
hassl-4534	209	6	the	the	DET
hassl-4534	209	7	number	number	NOUN
hassl-4534	209	8	of	of	ADP
hassl-4534	209	9	people	people	NOUN
hassl-4534	209	10	killed	kill	VERB
hassl-4534	209	11	as	as	ADP
hassl-4534	209	12	a	a	DET
hassl-4534	209	13	proxy	proxy	NOUN
hassl-4534	209	14	for	for	ADP
hassl-4534	209	15	natural	natural	ADJ
hassl-4534	209	16	disasters	disaster	NOUN
hassl-4534	209	17	and	and	CCONJ
hassl-4534	209	18	found	find	VERB
hassl-4534	209	19	a	a	DET
hassl-4534	209	20	higher	high	ADJ
hassl-4534	209	21	impact	impact	NOUN
hassl-4534	209	22	on	on	ADP
hassl-4534	209	23	non	non	ADJ
hassl-4534	209	24	-	-	ADJ
hassl-4534	209	25	performing	perform	VERB
hassl-4534	209	26	loans	loan	NOUN
hassl-4534	209	27	.	.	PUNCT
hassl-4534	210	1	additionally	additionally	ADV
hassl-4534	210	2	,	,	PUNCT
hassl-4534	210	3	kousky	kousky	NOUN
hassl-4534	210	4	et	et	PROPN
hassl-4534	210	5	al	al	PROPN
hassl-4534	210	6	.	.	PROPN
hassl-4534	210	7	(	(	PUNCT
hassl-4534	210	8	2020	2020	NUM
hassl-4534	210	9	)	)	PUNCT
hassl-4534	210	10	also	also	ADV
hassl-4534	210	11	found	find	VERB
hassl-4534	210	12	that	that	SCONJ
hassl-4534	210	13	natural	natural	ADJ
hassl-4534	210	14	disasters	disaster	NOUN
hassl-4534	210	15	,	,	PUNCT
hassl-4534	210	16	specifically	specifically	ADV
hassl-4534	210	17	floods	flood	NOUN
hassl-4534	210	18	had	have	VERB
hassl-4534	210	19	a	a	DET
hassl-4534	210	20	higher	high	ADJ
hassl-4534	210	21	impact	impact	NOUN
hassl-4534	210	22	on	on	ADP
hassl-4534	210	23	mortgage	mortgage	NOUN
hassl-4534	210	24	credit	credit	NOUN
hassl-4534	210	25	.	.	PUNCT
hassl-4534	211	1	another	another	DET
hassl-4534	211	2	study	study	NOUN
hassl-4534	211	3	by	by	ADP
hassl-4534	211	4	brei	brei	PROPN
hassl-4534	211	5	et	et	PROPN
hassl-4534	211	6	al	al	PROPN
hassl-4534	211	7	.	.	PROPN
hassl-4534	211	8	(	(	PUNCT
hassl-4534	211	9	2019	2019	NUM
hassl-4534	211	10	)	)	PUNCT
hassl-4534	211	11	discovered	discover	VERB
hassl-4534	211	12	that	that	SCONJ
hassl-4534	211	13	following	follow	VERB
hassl-4534	211	14	natural	natural	ADJ
hassl-4534	211	15	disasters	disaster	NOUN
hassl-4534	211	16	,	,	PUNCT
hassl-4534	211	17	there	there	PRON
hassl-4534	211	18	are	be	VERB
hassl-4534	211	19	no	no	DET
hassl-4534	211	20	indications	indication	NOUN
hassl-4534	211	21	of	of	ADP
hassl-4534	211	22	a	a	DET
hassl-4534	211	23	decline	decline	NOUN
hassl-4534	211	24	in	in	ADP
hassl-4534	211	25	bank	bank	NOUN
hassl-4534	211	26	capital	capital	NOUN
hassl-4534	211	27	or	or	CCONJ
hassl-4534	211	28	loan	loan	NOUN
hassl-4534	211	29	defaults	default	NOUN
hassl-4534	211	30	.	.	PUNCT
hassl-4534	212	1	they	they	PRON
hassl-4534	212	2	found	find	VERB
hassl-4534	212	3	a	a	DET
hassl-4534	212	4	positive	positive	ADJ
hassl-4534	212	5	relationship	relationship	NOUN
hassl-4534	212	6	between	between	ADP
hassl-4534	212	7	natural	natural	ADJ
hassl-4534	212	8	disasters	disaster	NOUN
hassl-4534	212	9	and	and	CCONJ
hassl-4534	212	10	default	default	NOUN
hassl-4534	212	11	,	,	PUNCT
hassl-4534	212	12	which	which	PRON
hassl-4534	212	13	is	be	AUX
hassl-4534	212	14	similar	similar	ADJ
hassl-4534	212	15	to	to	ADP
hassl-4534	212	16	this	this	DET
hassl-4534	212	17	study	study	NOUN
hassl-4534	212	18	's	's	PART
hassl-4534	212	19	results	result	NOUN
hassl-4534	212	20	.	.	PUNCT
hassl-4534	213	1	the	the	DET
hassl-4534	213	2	relationship	relationship	NOUN
hassl-4534	213	3	is	be	AUX
hassl-4534	213	4	positive	positive	ADJ
hassl-4534	213	5	but	but	CCONJ
hassl-4534	213	6	insignificant	insignificant	ADJ
hassl-4534	213	7	.	.	PUNCT
hassl-4534	214	1	the	the	DET
hassl-4534	214	2	positive	positive	ADJ
hassl-4534	214	3	relationship	relationship	NOUN
hassl-4534	214	4	result	result	NOUN
hassl-4534	214	5	can	can	AUX
hassl-4534	214	6	occur	occur	VERB
hassl-4534	214	7	because	because	SCONJ
hassl-4534	214	8	natural	natural	ADJ
hassl-4534	214	9	disasters	disaster	NOUN
hassl-4534	214	10	can	can	AUX
hassl-4534	214	11	harm	harm	VERB
hassl-4534	214	12	the	the	DET
hassl-4534	214	13	banking	banking	NOUN
hassl-4534	214	14	industry	industry	NOUN
hassl-4534	214	15	through	through	ADP
hassl-4534	214	16	a	a	DET
hassl-4534	214	17	variety	variety	NOUN
hassl-4534	214	18	of	of	ADP
hassl-4534	214	19	channels	channel	NOUN
hassl-4534	214	20	,	,	PUNCT
hassl-4534	214	21	resulting	result	VERB
hassl-4534	214	22	in	in	ADP
hassl-4534	214	23	a	a	DET
hassl-4534	214	24	positive	positive	ADJ
hassl-4534	214	25	correlation	correlation	NOUN
hassl-4534	214	26	.	.	PUNCT
hassl-4534	215	1	following	follow	VERB
hassl-4534	215	2	natural	natural	ADJ
hassl-4534	215	3	disasters	disaster	NOUN
hassl-4534	215	4	,	,	PUNCT
hassl-4534	215	5	a	a	DET
hassl-4534	215	6	multitude	multitude	NOUN
hassl-4534	215	7	of	of	ADP
hassl-4534	215	8	interconnected	interconnected	ADJ
hassl-4534	215	9	factors	factor	NOUN
hassl-4534	215	10	contribute	contribute	VERB
hassl-4534	215	11	to	to	ADP
hassl-4534	215	12	the	the	DET
hassl-4534	215	13	escalation	escalation	NOUN
hassl-4534	215	14	of	of	ADP
hassl-4534	215	15	non	non	ADJ
hassl-4534	215	16	-	-	ADJ
hassl-4534	215	17	performing	performing	ADJ
hassl-4534	215	18	loans	loan	NOUN
hassl-4534	215	19	and	and	CCONJ
hassl-4534	215	20	heightened	heighten	VERB
hassl-4534	215	21	credit	credit	NOUN
hassl-4534	215	22	risk	risk	NOUN
hassl-4534	215	23	for	for	ADP
hassl-4534	215	24	banks	bank	NOUN
hassl-4534	215	25	(	(	PUNCT
hassl-4534	215	26	brei	brei	ADV
hassl-4534	215	27	et	et	PROPN
hassl-4534	215	28	al	al	PROPN
hassl-4534	215	29	.	.	PROPN
hassl-4534	215	30	,	,	PUNCT
hassl-4534	215	31	2019	2019	NUM
hassl-4534	215	32	)	)	PUNCT
hassl-4534	215	33	.	.	PUNCT
hassl-4534	216	1	the	the	DET
hassl-4534	216	2	severe	severe	ADJ
hassl-4534	216	3	disruptions	disruption	NOUN
hassl-4534	216	4	inflicted	inflict	VERB
hassl-4534	216	5	upon	upon	SCONJ
hassl-4534	216	6	local	local	ADJ
hassl-4534	216	7	economies	economy	NOUN
hassl-4534	216	8	often	often	ADV
hassl-4534	216	9	result	result	VERB
hassl-4534	216	10	in	in	ADP
hassl-4534	216	11	extensive	extensive	ADJ
hassl-4534	216	12	business	business	NOUN
hassl-4534	216	13	interruptions	interruption	NOUN
hassl-4534	216	14	,	,	PUNCT
hassl-4534	216	15	causing	cause	VERB
hassl-4534	216	16	revenue	revenue	NOUN
hassl-4534	216	17	losses	loss	NOUN
hassl-4534	216	18	and	and	CCONJ
hassl-4534	216	19	financial	financial	ADJ
hassl-4534	216	20	strain	strain	NOUN
hassl-4534	216	21	(	(	PUNCT
hassl-4534	216	22	isa	isa	NOUN
hassl-4534	216	23	,	,	PUNCT
hassl-4534	216	24	2006	2006	NUM
hassl-4534	216	25	)	)	PUNCT
hassl-4534	216	26	.	.	PUNCT
hassl-4534	217	1	the	the	DET
hassl-4534	217	2	relationship	relationship	NOUN
hassl-4534	217	3	between	between	ADP
hassl-4534	217	4	natural	natural	ADJ
hassl-4534	217	5	disasters	disaster	NOUN
hassl-4534	217	6	and	and	CCONJ
hassl-4534	217	7	the	the	DET
hassl-4534	217	8	surge	surge	NOUN
hassl-4534	217	9	in	in	ADP
hassl-4534	217	10	npls	npls	NOUN
hassl-4534	217	11	stems	stem	VERB
hassl-4534	217	12	from	from	ADP
hassl-4534	217	13	the	the	DET
hassl-4534	217	14	profound	profound	ADJ
hassl-4534	217	15	and	and	CCONJ
hassl-4534	217	16	interconnected	interconnected	ADJ
hassl-4534	217	17	impacts	impact	NOUN
hassl-4534	217	18	that	that	SCONJ
hassl-4534	217	19	cataclysmic	cataclysmic	ADJ
hassl-4534	217	20	events	event	NOUN
hassl-4534	217	21	unleash	unleash	VERB
hassl-4534	217	22	on	on	ADP
hassl-4534	217	23	both	both	DET
hassl-4534	217	24	businesses	business	NOUN
hassl-4534	217	25	and	and	CCONJ
hassl-4534	217	26	individuals	individual	NOUN
hassl-4534	217	27	.	.	PUNCT
hassl-4534	218	1	natural	natural	ADJ
hassl-4534	218	2	disasters	disaster	NOUN
hassl-4534	218	3	inflict	inflict	VERB
hassl-4534	218	4	widespread	widespread	ADJ
hassl-4534	218	5	damage	damage	NOUN
hassl-4534	218	6	on	on	ADP
hassl-4534	218	7	local	local	ADJ
hassl-4534	218	8	economies	economy	NOUN
hassl-4534	218	9	,	,	PUNCT
hassl-4534	218	10	disrupting	disrupt	VERB
hassl-4534	218	11	businesses	business	NOUN
hassl-4534	218	12	'	'	PART
hassl-4534	218	13	operational	operational	ADJ
hassl-4534	218	14	capacities	capacity	NOUN
hassl-4534	218	15	and	and	CCONJ
hassl-4534	218	16	causing	cause	VERB
hassl-4534	218	17	substantial	substantial	ADJ
hassl-4534	218	18	financial	financial	ADJ
hassl-4534	218	19	losses	loss	NOUN
hassl-4534	218	20	.	.	PUNCT
hassl-4534	219	1	this	this	PRON
hassl-4534	219	2	,	,	PUNCT
hassl-4534	219	3	in	in	ADP
hassl-4534	219	4	turn	turn	NOUN
hassl-4534	219	5	,	,	PUNCT
hassl-4534	219	6	translates	translate	VERB
hassl-4534	219	7	into	into	ADP
hassl-4534	219	8	a	a	DET
hassl-4534	219	9	diminished	diminished	ADJ
hassl-4534	219	10	ability	ability	NOUN
hassl-4534	219	11	for	for	SCONJ
hassl-4534	219	12	businesses	business	NOUN
hassl-4534	219	13	to	to	PART
hassl-4534	219	14	meet	meet	VERB
hassl-4534	219	15	their	their	PRON
hassl-4534	219	16	financial	financial	ADJ
hassl-4534	219	17	commitments	commitment	NOUN
hassl-4534	219	18	,	,	PUNCT
hassl-4534	219	19	increasing	increase	VERB
hassl-4534	219	20	npls	npls	NOUN
hassl-4534	219	21	.	.	PUNCT
hassl-4534	220	1	for	for	ADP
hassl-4534	220	2	individuals	individual	NOUN
hassl-4534	220	3	,	,	PUNCT
hassl-4534	220	4	the	the	DET
hassl-4534	220	5	aftermath	aftermath	NOUN
hassl-4534	220	6	of	of	ADP
hassl-4534	220	7	a	a	DET
hassl-4534	220	8	natural	natural	ADJ
hassl-4534	220	9	disaster	disaster	NOUN
hassl-4534	220	10	often	often	ADV
hassl-4534	220	11	involves	involve	VERB
hassl-4534	220	12	significant	significant	ADJ
hassl-4534	220	13	personal	personal	ADJ
hassl-4534	220	14	and	and	CCONJ
hassl-4534	220	15	financial	financial	ADJ
hassl-4534	220	16	setbacks	setback	NOUN
hassl-4534	220	17	.	.	PUNCT
hassl-4534	221	1	businesses	business	NOUN
hassl-4534	221	2	may	may	AUX
hassl-4534	221	3	close	close	VERB
hassl-4534	221	4	causing	cause	VERB
hassl-4534	221	5	damage	damage	NOUN
hassl-4534	221	6	or	or	CCONJ
hassl-4534	221	7	destruction	destruction	NOUN
hassl-4534	221	8	to	to	ADP
hassl-4534	221	9	homes	home	NOUN
hassl-4534	221	10	and	and	CCONJ
hassl-4534	221	11	dwindling	dwindle	VERB
hassl-4534	221	12	employment	employment	NOUN
hassl-4534	221	13	opportunities	opportunity	NOUN
hassl-4534	221	14	.	.	PUNCT
hassl-4534	222	1	the	the	DET
hassl-4534	222	2	resulting	result	VERB
hassl-4534	222	3	economic	economic	ADJ
hassl-4534	222	4	uncertainty	uncertainty	NOUN
hassl-4534	222	5	places	place	VERB
hassl-4534	222	6	immense	immense	ADJ
hassl-4534	222	7	strain	strain	NOUN
hassl-4534	222	8	on	on	ADP
hassl-4534	222	9	individuals	individual	NOUN
hassl-4534	222	10	'	'	PART
hassl-4534	222	11	financial	financial	ADJ
hassl-4534	222	12	capabilities	capability	NOUN
hassl-4534	222	13	leading	lead	VERB
hassl-4534	222	14	to	to	ADP
hassl-4534	222	15	difficulties	difficulty	NOUN
hassl-4534	222	16	in	in	ADP
hassl-4534	222	17	repaying	repay	VERB
hassl-4534	222	18	loans	loan	NOUN
hassl-4534	222	19	on	on	ADP
hassl-4534	222	20	time	time	NOUN
hassl-4534	222	21	.	.	PUNCT
hassl-4534	223	1	mortgages	mortgage	NOUN
hassl-4534	223	2	,	,	PUNCT
hassl-4534	223	3	personal	personal	ADJ
hassl-4534	223	4	loans	loan	NOUN
hassl-4534	223	5	,	,	PUNCT
hassl-4534	223	6	and	and	CCONJ
hassl-4534	223	7	other	other	ADJ
hassl-4534	223	8	financial	financial	ADJ
hassl-4534	223	9	obligations	obligation	NOUN
hassl-4534	223	10	become	become	VERB
hassl-4534	223	11	particularly	particularly	ADV
hassl-4534	223	12	vulnerable	vulnerable	ADJ
hassl-4534	223	13	,	,	PUNCT
hassl-4534	223	14	contributing	contribute	VERB
hassl-4534	223	15	further	far	ADV
hassl-4534	223	16	to	to	ADP
hassl-4534	223	17	the	the	DET
hassl-4534	223	18	rise	rise	NOUN
hassl-4534	223	19	in	in	ADP
hassl-4534	223	20	npls	npls	NOUN
hassl-4534	223	21	.	.	PUNCT
hassl-4534	224	1	furthermore	furthermore	ADV
hassl-4534	224	2	,	,	PUNCT
hassl-4534	224	3	asset	asset	NOUN
hassl-4534	224	4	values	value	NOUN
hassl-4534	224	5	are	be	AUX
hassl-4534	224	6	likely	likely	ADJ
hassl-4534	224	7	to	to	PART
hassl-4534	224	8	fall	fall	VERB
hassl-4534	224	9	,	,	PUNCT
hassl-4534	224	10	leading	lead	VERB
hassl-4534	224	11	to	to	ADP
hassl-4534	224	12	an	an	DET
hassl-4534	224	13	increase	increase	NOUN
hassl-4534	224	14	in	in	ADP
hassl-4534	224	15	bank	bank	NOUN
hassl-4534	224	16	provisioning	provisioning	NOUN
hassl-4534	224	17	(	(	PUNCT
hassl-4534	224	18	collier	collier	X
hassl-4534	224	19	,	,	PUNCT
hassl-4534	224	20	katchova	katchova	X
hassl-4534	224	21	,	,	PUNCT
hassl-4534	224	22	&	&	CCONJ
hassl-4534	224	23	skees	skee	NOUN
hassl-4534	224	24	,	,	PUNCT
hassl-4534	224	25	2011	2011	NUM
hassl-4534	224	26	)	)	PUNCT
hassl-4534	224	27	.	.	PUNCT
hassl-4534	225	1	in	in	ADP
hassl-4534	225	2	essence	essence	NOUN
hassl-4534	225	3	,	,	PUNCT
hassl-4534	225	4	the	the	DET
hassl-4534	225	5	relationship	relationship	NOUN
hassl-4534	225	6	between	between	ADP
hassl-4534	225	7	natural	natural	ADJ
hassl-4534	225	8	disasters	disaster	NOUN
hassl-4534	225	9	and	and	CCONJ
hassl-4534	225	10	the	the	DET
hassl-4534	225	11	escalation	escalation	NOUN
hassl-4534	225	12	of	of	ADP
hassl-4534	225	13	npls	npls	NOUN
hassl-4534	225	14	is	be	AUX
hassl-4534	225	15	a	a	DET
hassl-4534	225	16	nuanced	nuanced	ADJ
hassl-4534	225	17	interplay	interplay	NOUN
hassl-4534	225	18	of	of	ADP
hassl-4534	225	19	economic	economic	ADJ
hassl-4534	225	20	,	,	PUNCT
hassl-4534	225	21	social	social	ADJ
hassl-4534	225	22	,	,	PUNCT
hassl-4534	225	23	and	and	CCONJ
hassl-4534	225	24	environmental	environmental	ADJ
hassl-4534	225	25	factors	factor	NOUN
hassl-4534	225	26	.	.	PUNCT
hassl-4534	226	1	the	the	DET
hassl-4534	226	2	fallout	fallout	NOUN
hassl-4534	226	3	from	from	ADP
hassl-4534	226	4	these	these	DET
hassl-4534	226	5	events	event	NOUN
hassl-4534	226	6	ripples	ripple	NOUN
hassl-4534	226	7	through	through	ADP
hassl-4534	226	8	communities	community	NOUN
hassl-4534	226	9	and	and	CCONJ
hassl-4534	226	10	financial	financial	ADJ
hassl-4534	226	11	systems	system	NOUN
hassl-4534	226	12	,	,	PUNCT
hassl-4534	226	13	underscoring	underscore	VERB
hassl-4534	226	14	the	the	DET
hassl-4534	226	15	intricate	intricate	ADJ
hassl-4534	226	16	dynamics	dynamic	NOUN
hassl-4534	226	17	that	that	PRON
hassl-4534	226	18	shape	shape	VERB
hassl-4534	226	19	the	the	DET
hassl-4534	226	20	vulnerability	vulnerability	NOUN
hassl-4534	226	21	of	of	ADP
hassl-4534	226	22	loan	loan	NOUN
hassl-4534	226	23	portfolios	portfolio	NOUN
hassl-4534	226	24	in	in	ADP
hassl-4534	226	25	the	the	DET
hassl-4534	226	26	face	face	NOUN
hassl-4534	226	27	of	of	ADP
hassl-4534	226	28	natural	natural	ADJ
hassl-4534	226	29	calamities	calamity	NOUN
hassl-4534	226	30	.	.	PUNCT
hassl-4534	227	1	although	although	SCONJ
hassl-4534	227	2	the	the	DET
hassl-4534	227	3	correlation	correlation	NOUN
hassl-4534	227	4	is	be	AUX
hassl-4534	227	5	positive	positive	ADJ
hassl-4534	227	6	,	,	PUNCT
hassl-4534	227	7	the	the	DET
hassl-4534	227	8	result	result	NOUN
hassl-4534	227	9	shown	show	VERB
hassl-4534	227	10	is	be	AUX
hassl-4534	227	11	statistically	statistically	ADV
hassl-4534	227	12	insignificant	insignificant	ADJ
hassl-4534	227	13	.	.	PUNCT
hassl-4534	228	1	as	as	SCONJ
hassl-4534	228	2	mentioned	mention	VERB
hassl-4534	228	3	above	above	ADV
hassl-4534	228	4	,	,	PUNCT
hassl-4534	228	5	the	the	DET
hassl-4534	228	6	involvement	involvement	NOUN
hassl-4534	228	7	of	of	ADP
hassl-4534	228	8	third	third	ADJ
hassl-4534	228	9	-	-	PUNCT
hassl-4534	228	10	party	party	NOUN
hassl-4534	228	11	institutions	institution	NOUN
hassl-4534	228	12	,	,	PUNCT
hassl-4534	228	13	such	such	ADJ
hassl-4534	228	14	as	as	ADP
hassl-4534	228	15	insurance	insurance	NOUN
hassl-4534	228	16	companies	company	NOUN
hassl-4534	228	17	may	may	AUX
hassl-4534	228	18	be	be	AUX
hassl-4534	228	19	insignificant	insignificant	ADJ
hassl-4534	228	20	.	.	PUNCT
hassl-4534	229	1	firstly	firstly	ADV
hassl-4534	229	2	,	,	PUNCT
hassl-4534	229	3	most	most	ADJ
hassl-4534	229	4	banks	bank	NOUN
hassl-4534	229	5	implement	implement	VERB
hassl-4534	229	6	credit	credit	NOUN
hassl-4534	229	7	risk	risk	NOUN
hassl-4534	229	8	management	management	NOUN
hassl-4534	229	9	by	by	ADP
hassl-4534	229	10	shifting	shift	VERB
hassl-4534	229	11	the	the	DET
hassl-4534	229	12	risk	risk	NOUN
hassl-4534	229	13	to	to	ADP
hassl-4534	229	14	insurance	insurance	NOUN
hassl-4534	229	15	companies	company	NOUN
hassl-4534	229	16	in	in	ADP
hassl-4534	229	17	response	response	NOUN
hassl-4534	229	18	to	to	ADP
hassl-4534	229	19	natural	natural	ADJ
hassl-4534	229	20	disasters	disaster	NOUN
hassl-4534	229	21	.	.	PUNCT
hassl-4534	230	1	insurance	insurance	NOUN
hassl-4534	230	2	companies	company	NOUN
hassl-4534	230	3	act	act	VERB
hassl-4534	230	4	as	as	ADP
hassl-4534	230	5	a	a	DET
hassl-4534	230	6	buffer	buffer	NOUN
hassl-4534	230	7	against	against	ADP
hassl-4534	230	8	both	both	CCONJ
hassl-4534	230	9	societal	societal	ADJ
hassl-4534	230	10	and	and	CCONJ
hassl-4534	230	11	institutional	institutional	ADJ
hassl-4534	230	12	economic	economic	ADJ
hassl-4534	230	13	losses	loss	NOUN
hassl-4534	230	14	caused	cause	VERB
hassl-4534	230	15	by	by	ADP
hassl-4534	230	16	natural	natural	ADJ
hassl-4534	230	17	disasters	disaster	NOUN
hassl-4534	230	18	.	.	PUNCT
hassl-4534	231	1	for	for	ADP
hassl-4534	231	2	example	example	NOUN
hassl-4534	231	3	,	,	PUNCT
hassl-4534	231	4	to	to	PART
hassl-4534	231	5	obtain	obtain	VERB
hassl-4534	231	6	a	a	DET
hassl-4534	231	7	bank	bank	NOUN
hassl-4534	231	8	loan	loan	NOUN
hassl-4534	231	9	,	,	PUNCT
hassl-4534	231	10	the	the	DET
hassl-4534	231	11	us	us	PROPN
hassl-4534	231	12	government	government	NOUN
hassl-4534	231	13	requires	require	VERB
hassl-4534	231	14	creditors	creditor	NOUN
hassl-4534	231	15	to	to	PART
hassl-4534	231	16	obtain	obtain	VERB
hassl-4534	231	17	flood	flood	NOUN
hassl-4534	231	18	insurance	insurance	NOUN
hassl-4534	231	19	.	.	PUNCT
hassl-4534	232	1	kousky	kousky	PROPN
hassl-4534	232	2	et	et	PROPN
hassl-4534	232	3	al	al	PROPN
hassl-4534	232	4	.	.	PROPN
hassl-4534	232	5	(	(	PUNCT
hassl-4534	232	6	2020	2020	NUM
hassl-4534	232	7	)	)	PUNCT
hassl-4534	232	8	found	find	VERB
hassl-4534	232	9	that	that	SCONJ
hassl-4534	232	10	us	us	PROPN
hassl-4534	232	11	flood	flood	NOUN
hassl-4534	232	12	insurance	insurance	NOUN
hassl-4534	232	13	shields	shield	VERB
hassl-4534	232	14	homeowners	homeowner	NOUN
hassl-4534	232	15	and	and	CCONJ
hassl-4534	232	16	mortgage	mortgage	NOUN
hassl-4534	232	17	lenders	lender	NOUN
hassl-4534	232	18	from	from	ADP
hassl-4534	232	19	credit	credit	NOUN
hassl-4534	232	20	risk	risk	NOUN
hassl-4534	232	21	resulting	result	VERB
hassl-4534	232	22	from	from	ADP
hassl-4534	232	23	flood	flood	NOUN
hassl-4534	232	24	events	event	NOUN
hassl-4534	232	25	,	,	PUNCT
hassl-4534	232	26	indicating	indicate	VERB
hassl-4534	232	27	the	the	DET
hassl-4534	232	28	appropriateness	appropriateness	NOUN
hassl-4534	232	29	of	of	ADP
hassl-4534	232	30	this	this	DET
hassl-4534	232	31	policy	policy	NOUN
hassl-4534	232	32	.	.	PUNCT
hassl-4534	233	1	natural	natural	ADJ
hassl-4534	233	2	disasters	disaster	NOUN
hassl-4534	233	3	have	have	AUX
hassl-4534	233	4	recently	recently	ADV
hassl-4534	233	5	resulted	result	VERB
hassl-4534	233	6	in	in	ADP
hassl-4534	233	7	annual	annual	ADJ
hassl-4534	233	8	direct	direct	ADJ
hassl-4534	233	9	costs	cost	NOUN
hassl-4534	233	10	that	that	PRON
hassl-4534	233	11	averaged	average	VERB
hassl-4534	233	12	between	between	ADP
hassl-4534	233	13	$	$	SYM
hassl-4534	233	14	100	100	NUM
hassl-4534	233	15	and	and	CCONJ
hassl-4534	233	16	$	$	SYM
hassl-4534	233	17	200	200	NUM
hassl-4534	233	18	billion	billion	NUM
hassl-4534	233	19	globally	globally	ADV
hassl-4534	233	20	in	in	ADP
hassl-4534	233	21	2014	2014	NUM
hassl-4534	233	22	(	(	PUNCT
hassl-4534	233	23	kousky	kousky	NOUN
hassl-4534	233	24	,	,	PUNCT
hassl-4534	233	25	2019	2019	NUM
hassl-4534	233	26	)	)	PUNCT
hassl-4534	233	27	.	.	PUNCT
hassl-4534	234	1	this	this	PRON
hassl-4534	234	2	excludes	exclude	VERB
hassl-4534	234	3	disaster	disaster	NOUN
hassl-4534	234	4	-	-	PUNCT
hassl-4534	234	5	related	relate	VERB
hassl-4534	234	6	indirect	indirect	ADJ
hassl-4534	234	7	costs	cost	NOUN
hassl-4534	234	8	,	,	PUNCT
hassl-4534	234	9	such	such	ADJ
hassl-4534	234	10	as	as	ADP
hassl-4534	234	11	nonmarket	nonmarket	NOUN
hassl-4534	234	12	damages	damage	NOUN
hassl-4534	234	13	,	,	PUNCT
hassl-4534	234	14	as	as	ADV
hassl-4534	234	15	well	well	ADV
hassl-4534	234	16	humanities	humanity	NOUN
hassl-4534	234	17	and	and	CCONJ
hassl-4534	234	18	social	social	ADJ
hassl-4534	234	19	sciences	science	NOUN
hassl-4534	234	20	letters	letter	NOUN
hassl-4534	234	21	,	,	PUNCT
hassl-4534	234	22	2025	2025	NUM
hassl-4534	234	23	,	,	PUNCT
hassl-4534	234	24	13(4	13(4	NUM
hassl-4534	234	25	):	):	PUNCT
hassl-4534	234	26	1584	1584	NUM
hassl-4534	234	27	-	-	SYM
hassl-4534	234	28	1595	1595	NUM
hassl-4534	234	29	1593	1593	NUM
hassl-4534	234	30	©	©	PROPN
hassl-4534	234	31	2025	2025	NUM
hassl-4534	234	32	conscientia	conscientia	PROPN
hassl-4534	234	33	beam	beam	PROPN
hassl-4534	234	34	.	.	PUNCT
hassl-4534	235	1	all	all	DET
hassl-4534	235	2	rights	right	NOUN
hassl-4534	235	3	reserved	reserve	VERB
hassl-4534	235	4	.	.	PUNCT
hassl-4534	236	1	as	as	ADP
hassl-4534	236	2	pain	pain	NOUN
hassl-4534	236	3	,	,	PUNCT
hassl-4534	236	4	suffering	suffering	NOUN
hassl-4534	236	5	,	,	PUNCT
hassl-4534	236	6	and	and	CCONJ
hassl-4534	236	7	loss	loss	NOUN
hassl-4534	236	8	of	of	ADP
hassl-4534	236	9	life	life	NOUN
hassl-4534	236	10	.	.	PUNCT
hassl-4534	237	1	disaster	disaster	NOUN
hassl-4534	237	2	costs	cost	NOUN
hassl-4534	237	3	have	have	AUX
hassl-4534	237	4	risen	rise	VERB
hassl-4534	237	5	over	over	ADP
hassl-4534	237	6	time	time	NOUN
hassl-4534	237	7	,	,	PUNCT
hassl-4534	237	8	even	even	ADV
hassl-4534	237	9	when	when	SCONJ
hassl-4534	237	10	adjusted	adjust	VERB
hassl-4534	237	11	for	for	ADP
hassl-4534	237	12	inflation	inflation	NOUN
hassl-4534	237	13	(	(	PUNCT
hassl-4534	237	14	kousky	kousky	NOUN
hassl-4534	237	15	,	,	PUNCT
hassl-4534	237	16	2019	2019	NUM
hassl-4534	237	17	)	)	PUNCT
hassl-4534	237	18	.	.	PUNCT
hassl-4534	238	1	certain	certain	ADJ
hassl-4534	238	2	aspects	aspect	NOUN
hassl-4534	238	3	of	of	ADP
hassl-4534	238	4	insurance	insurance	NOUN
hassl-4534	238	5	plans	plan	NOUN
hassl-4534	238	6	may	may	AUX
hassl-4534	238	7	encourage	encourage	VERB
hassl-4534	238	8	risk	risk	NOUN
hassl-4534	238	9	reduction	reduction	NOUN
hassl-4534	238	10	(	(	PUNCT
hassl-4534	238	11	paleari	paleari	NOUN
hassl-4534	238	12	,	,	PUNCT
hassl-4534	238	13	2019	2019	NUM
hassl-4534	238	14	)	)	PUNCT
hassl-4534	238	15	.	.	PUNCT
hassl-4534	239	1	for	for	ADP
hassl-4534	239	2	example	example	NOUN
hassl-4534	239	3	,	,	PUNCT
hassl-4534	239	4	insurers	insurer	NOUN
hassl-4534	239	5	in	in	ADP
hassl-4534	239	6	18	18	NUM
hassl-4534	239	7	eu	eu	PROPN
hassl-4534	239	8	countries	country	NOUN
hassl-4534	239	9	generally	generally	ADV
hassl-4534	239	10	use	use	VERB
hassl-4534	239	11	risk	risk	NOUN
hassl-4534	239	12	-	-	PUNCT
hassl-4534	239	13	based	base	VERB
hassl-4534	239	14	premiums	premium	NOUN
hassl-4534	239	15	,	,	PUNCT
hassl-4534	239	16	which	which	PRON
hassl-4534	239	17	reflect	reflect	VERB
hassl-4534	239	18	hazard	hazard	NOUN
hassl-4534	239	19	exposure	exposure	NOUN
hassl-4534	239	20	and/or	and/or	CCONJ
hassl-4534	239	21	building	build	VERB
hassl-4534	239	22	vulnerability	vulnerability	NOUN
hassl-4534	239	23	to	to	ADP
hassl-4534	239	24	varying	vary	VERB
hassl-4534	239	25	degrees	degree	NOUN
hassl-4534	239	26	related	relate	VERB
hassl-4534	239	27	to	to	ADP
hassl-4534	239	28	natural	natural	ADJ
hassl-4534	239	29	disasters	disaster	NOUN
hassl-4534	239	30	.	.	PUNCT
hassl-4534	240	1	the	the	DET
hassl-4534	240	2	netherlands	netherlands	PROPN
hassl-4534	240	3	uses	use	VERB
hassl-4534	240	4	flood	flood	NOUN
hassl-4534	240	5	risk	risk	NOUN
hassl-4534	240	6	maps	map	NOUN
hassl-4534	240	7	to	to	PART
hassl-4534	240	8	determine	determine	VERB
hassl-4534	240	9	insurance	insurance	NOUN
hassl-4534	240	10	premium	premium	NOUN
hassl-4534	240	11	discounts	discount	NOUN
hassl-4534	240	12	(	(	PUNCT
hassl-4534	240	13	surminski	surminski	PROPN
hassl-4534	240	14	et	et	PROPN
hassl-4534	240	15	al	al	PROPN
hassl-4534	240	16	.	.	PROPN
hassl-4534	240	17	,	,	PUNCT
hassl-4534	240	18	2014	2014	NUM
hassl-4534	240	19	)	)	PUNCT
hassl-4534	240	20	.	.	PUNCT
hassl-4534	241	1	insurance	insurance	NOUN
hassl-4534	241	2	coverage	coverage	NOUN
hassl-4534	241	3	is	be	AUX
hassl-4534	241	4	widely	widely	ADV
hassl-4534	241	5	available	available	ADJ
hassl-4534	241	6	,	,	PUNCT
hassl-4534	241	7	particularly	particularly	ADV
hassl-4534	241	8	in	in	ADP
hassl-4534	241	9	areas	area	NOUN
hassl-4534	241	10	prone	prone	ADJ
hassl-4534	241	11	to	to	ADP
hassl-4534	241	12	natural	natural	ADJ
hassl-4534	241	13	disasters	disaster	NOUN
hassl-4534	241	14	.	.	PUNCT
hassl-4534	242	1	breckner	breckner	NOUN
hassl-4534	242	2	et	et	PROPN
hassl-4534	242	3	al	al	PROPN
hassl-4534	242	4	.	.	PUNCT
hassl-4534	243	1	(	(	PUNCT
hassl-4534	243	2	2016	2016	NUM
hassl-4534	243	3	)	)	PUNCT
hassl-4534	243	4	state	state	NOUN
hassl-4534	243	5	that	that	SCONJ
hassl-4534	243	6	individual	individual	ADJ
hassl-4534	243	7	insurance	insurance	NOUN
hassl-4534	243	8	penetration	penetration	NOUN
hassl-4534	243	9	and	and	CCONJ
hassl-4534	243	10	a	a	DET
hassl-4534	243	11	steady	steady	ADJ
hassl-4534	243	12	,	,	PUNCT
hassl-4534	243	13	institutionalised	institutionalised	ADJ
hassl-4534	243	14	environment	environment	NOUN
hassl-4534	243	15	both	both	PRON
hassl-4534	243	16	contribute	contribute	VERB
hassl-4534	243	17	to	to	ADP
hassl-4534	243	18	lessening	lessen	VERB
hassl-4534	243	19	the	the	DET
hassl-4534	243	20	harmful	harmful	ADJ
hassl-4534	243	21	consequences	consequence	NOUN
hassl-4534	243	22	of	of	ADP
hassl-4534	243	23	natural	natural	ADJ
hassl-4534	243	24	disasters	disaster	NOUN
hassl-4534	243	25	.	.	PUNCT
hassl-4534	244	1	liu	liu	PROPN
hassl-4534	244	2	et	et	PROPN
hassl-4534	244	3	al	al	PROPN
hassl-4534	244	4	.	.	PROPN
hassl-4534	245	1	(	(	PUNCT
hassl-4534	245	2	2019	2019	NUM
hassl-4534	245	3	)	)	PUNCT
hassl-4534	245	4	discovered	discover	VERB
hassl-4534	245	5	that	that	SCONJ
hassl-4534	245	6	people	people	NOUN
hassl-4534	245	7	who	who	PRON
hassl-4534	245	8	live	live	VERB
hassl-4534	245	9	in	in	ADP
hassl-4534	245	10	high	high	ADJ
hassl-4534	245	11	-	-	PUNCT
hassl-4534	245	12	risk	risk	NOUN
hassl-4534	245	13	areas	area	NOUN
hassl-4534	245	14	of	of	ADP
hassl-4534	245	15	natural	natural	ADJ
hassl-4534	245	16	disasters	disaster	NOUN
hassl-4534	245	17	are	be	AUX
hassl-4534	245	18	more	more	ADV
hassl-4534	245	19	willing	willing	ADJ
hassl-4534	245	20	to	to	PART
hassl-4534	245	21	pay	pay	VERB
hassl-4534	245	22	for	for	ADP
hassl-4534	245	23	insurance	insurance	NOUN
hassl-4534	245	24	costs	cost	NOUN
hassl-4534	245	25	to	to	PART
hassl-4534	245	26	supplement	supplement	VERB
hassl-4534	245	27	their	their	PRON
hassl-4534	245	28	findings	finding	NOUN
hassl-4534	245	29	.	.	PUNCT
hassl-4534	246	1	5	5	X
hassl-4534	246	2	.	.	X
hassl-4534	246	3	conclusion	conclusion	NOUN
hassl-4534	246	4	this	this	DET
hassl-4534	246	5	study	study	NOUN
hassl-4534	246	6	investigates	investigate	VERB
hassl-4534	246	7	the	the	DET
hassl-4534	246	8	phenomenon	phenomenon	NOUN
hassl-4534	246	9	of	of	ADP
hassl-4534	246	10	natural	natural	ADJ
hassl-4534	246	11	disasters	disaster	NOUN
hassl-4534	246	12	that	that	PRON
hassl-4534	246	13	affect	affect	VERB
hassl-4534	246	14	global	global	ADJ
hassl-4534	246	15	banks	bank	NOUN
hassl-4534	246	16	’	'	PUNCT
hassl-4534	246	17	credit	credit	NOUN
hassl-4534	246	18	risk	risk	NOUN
hassl-4534	246	19	.	.	PUNCT
hassl-4534	247	1	as	as	SCONJ
hassl-4534	247	2	shown	show	VERB
hassl-4534	247	3	above	above	ADV
hassl-4534	247	4	,	,	PUNCT
hassl-4534	247	5	the	the	DET
hassl-4534	247	6	baseline	baseline	NOUN
hassl-4534	247	7	result	result	NOUN
hassl-4534	247	8	and	and	CCONJ
hassl-4534	247	9	endogeneity	endogeneity	NOUN
hassl-4534	247	10	test	test	NOUN
hassl-4534	247	11	have	have	AUX
hassl-4534	247	12	reaffirmed	reaffirm	VERB
hassl-4534	247	13	the	the	DET
hassl-4534	247	14	fact	fact	NOUN
hassl-4534	247	15	that	that	SCONJ
hassl-4534	247	16	natural	natural	ADJ
hassl-4534	247	17	disasters	disaster	NOUN
hassl-4534	247	18	,	,	PUNCT
hassl-4534	247	19	which	which	PRON
hassl-4534	247	20	are	be	AUX
hassl-4534	247	21	associated	associate	VERB
hassl-4534	247	22	with	with	ADP
hassl-4534	247	23	people	people	NOUN
hassl-4534	247	24	killed	kill	VERB
hassl-4534	247	25	,	,	PUNCT
hassl-4534	247	26	houses	house	NOUN
hassl-4534	247	27	destroyed	destroy	VERB
hassl-4534	247	28	,	,	PUNCT
hassl-4534	247	29	and	and	CCONJ
hassl-4534	247	30	houses	house	NOUN
hassl-4534	247	31	damaged	damage	VERB
hassl-4534	247	32	,	,	PUNCT
hassl-4534	247	33	have	have	VERB
hassl-4534	247	34	a	a	DET
hassl-4534	247	35	positive	positive	ADJ
hassl-4534	247	36	correlation	correlation	NOUN
hassl-4534	247	37	with	with	ADP
hassl-4534	247	38	the	the	DET
hassl-4534	247	39	global	global	PROPN
hassl-4534	247	40	bank	bank	PROPN
hassl-4534	247	41	's	's	PART
hassl-4534	247	42	credit	credit	NOUN
hassl-4534	247	43	risk	risk	NOUN
hassl-4534	247	44	,	,	PUNCT
hassl-4534	247	45	but	but	CCONJ
hassl-4534	247	46	the	the	DET
hassl-4534	247	47	impact	impact	NOUN
hassl-4534	247	48	is	be	AUX
hassl-4534	247	49	not	not	PART
hassl-4534	247	50	strong	strong	ADJ
hassl-4534	247	51	enough	enough	ADV
hassl-4534	247	52	to	to	PART
hassl-4534	247	53	be	be	AUX
hassl-4534	247	54	statistically	statistically	ADV
hassl-4534	247	55	significant	significant	ADJ
hassl-4534	247	56	.	.	PUNCT
hassl-4534	248	1	this	this	DET
hassl-4534	248	2	study	study	NOUN
hassl-4534	248	3	concludes	conclude	VERB
hassl-4534	248	4	that	that	SCONJ
hassl-4534	248	5	banks	bank	NOUN
hassl-4534	248	6	have	have	AUX
hassl-4534	248	7	effectively	effectively	ADV
hassl-4534	248	8	reduced	reduce	VERB
hassl-4534	248	9	the	the	DET
hassl-4534	248	10	credit	credit	NOUN
hassl-4534	248	11	risk	risk	NOUN
hassl-4534	248	12	resulting	result	VERB
hassl-4534	248	13	from	from	ADP
hassl-4534	248	14	natural	natural	ADJ
hassl-4534	248	15	disasters	disaster	NOUN
hassl-4534	248	16	.	.	PUNCT
hassl-4534	249	1	this	this	DET
hassl-4534	249	2	success	success	NOUN
hassl-4534	249	3	is	be	AUX
hassl-4534	249	4	inseparable	inseparable	ADJ
hassl-4534	249	5	from	from	ADP
hassl-4534	249	6	the	the	DET
hassl-4534	249	7	important	important	ADJ
hassl-4534	249	8	role	role	NOUN
hassl-4534	249	9	of	of	ADP
hassl-4534	249	10	insurance	insurance	NOUN
hassl-4534	249	11	companies	company	NOUN
hassl-4534	249	12	and	and	CCONJ
hassl-4534	249	13	the	the	DET
hassl-4534	249	14	government	government	NOUN
hassl-4534	249	15	as	as	ADP
hassl-4534	249	16	regulators	regulator	NOUN
hassl-4534	249	17	.	.	PUNCT
hassl-4534	250	1	insurance	insurance	NOUN
hassl-4534	250	2	companies	company	NOUN
hassl-4534	250	3	act	act	VERB
hassl-4534	250	4	as	as	ADP
hassl-4534	250	5	a	a	DET
hassl-4534	250	6	buffer	buffer	NOUN
hassl-4534	250	7	so	so	SCONJ
hassl-4534	250	8	that	that	SCONJ
hassl-4534	250	9	there	there	PRON
hassl-4534	250	10	is	be	VERB
hassl-4534	250	11	no	no	DET
hassl-4534	250	12	significant	significant	ADJ
hassl-4534	250	13	economic	economic	ADJ
hassl-4534	250	14	loss	loss	NOUN
hassl-4534	250	15	,	,	PUNCT
hassl-4534	250	16	which	which	PRON
hassl-4534	250	17	can	can	AUX
hassl-4534	250	18	result	result	VERB
hassl-4534	250	19	in	in	ADP
hassl-4534	250	20	banking	banking	NOUN
hassl-4534	250	21	credit	credit	NOUN
hassl-4534	250	22	instability	instability	NOUN
hassl-4534	250	23	.	.	PUNCT
hassl-4534	251	1	the	the	DET
hassl-4534	251	2	penetration	penetration	NOUN
hassl-4534	251	3	of	of	ADP
hassl-4534	251	4	insurance	insurance	NOUN
hassl-4534	251	5	coverage	coverage	NOUN
hassl-4534	251	6	has	have	AUX
hassl-4534	251	7	generally	generally	ADV
hassl-4534	251	8	reduced	reduce	VERB
hassl-4534	251	9	the	the	DET
hassl-4534	251	10	impact	impact	NOUN
hassl-4534	251	11	of	of	ADP
hassl-4534	251	12	natural	natural	ADJ
hassl-4534	251	13	disaster	disaster	NOUN
hassl-4534	251	14	risk	risk	NOUN
hassl-4534	251	15	on	on	ADP
hassl-4534	251	16	the	the	DET
hassl-4534	251	17	credit	credit	NOUN
hassl-4534	251	18	risk	risk	NOUN
hassl-4534	251	19	of	of	ADP
hassl-4534	251	20	global	global	ADJ
hassl-4534	251	21	banks	bank	NOUN
hassl-4534	251	22	.	.	PUNCT
hassl-4534	252	1	governments	government	NOUN
hassl-4534	252	2	,	,	PUNCT
hassl-4534	252	3	as	as	SCONJ
hassl-4534	252	4	stakeholders	stakeholder	NOUN
hassl-4534	252	5	also	also	ADV
hassl-4534	252	6	play	play	VERB
hassl-4534	252	7	a	a	DET
hassl-4534	252	8	crucial	crucial	ADJ
hassl-4534	252	9	role	role	NOUN
hassl-4534	252	10	by	by	ADP
hassl-4534	252	11	implementing	implement	VERB
hassl-4534	252	12	various	various	ADJ
hassl-4534	252	13	preventive	preventive	ADJ
hassl-4534	252	14	policies	policy	NOUN
hassl-4534	252	15	that	that	PRON
hassl-4534	252	16	can	can	AUX
hassl-4534	252	17	mitigate	mitigate	VERB
hassl-4534	252	18	risk	risk	NOUN
hassl-4534	252	19	.	.	PUNCT
hassl-4534	253	1	these	these	DET
hassl-4534	253	2	policies	policy	NOUN
hassl-4534	253	3	may	may	AUX
hassl-4534	253	4	include	include	VERB
hassl-4534	253	5	requiring	require	VERB
hassl-4534	253	6	creditors	creditor	NOUN
hassl-4534	253	7	to	to	PART
hassl-4534	253	8	obtain	obtain	VERB
hassl-4534	253	9	various	various	ADJ
hassl-4534	253	10	types	type	NOUN
hassl-4534	253	11	of	of	ADP
hassl-4534	253	12	insurance	insurance	NOUN
hassl-4534	253	13	to	to	PART
hassl-4534	253	14	obtain	obtain	VERB
hassl-4534	253	15	a	a	DET
hassl-4534	253	16	bank	bank	NOUN
hassl-4534	253	17	loan	loan	NOUN
hassl-4534	253	18	,	,	PUNCT
hassl-4534	253	19	expanding	expand	VERB
hassl-4534	253	20	the	the	DET
hassl-4534	253	21	penetration	penetration	NOUN
hassl-4534	253	22	of	of	ADP
hassl-4534	253	23	government	government	NOUN
hassl-4534	253	24	-	-	PUNCT
hassl-4534	253	25	backed	back	VERB
hassl-4534	253	26	insurance	insurance	NOUN
hassl-4534	253	27	coverage	coverage	NOUN
hassl-4534	253	28	,	,	PUNCT
hassl-4534	253	29	and	and	CCONJ
hassl-4534	253	30	promoting	promote	VERB
hassl-4534	253	31	the	the	DET
hassl-4534	253	32	private	private	ADJ
hassl-4534	253	33	insurance	insurance	NOUN
hassl-4534	253	34	market	market	NOUN
hassl-4534	253	35	.	.	PUNCT
hassl-4534	254	1	in	in	ADP
hassl-4534	254	2	addition	addition	NOUN
hassl-4534	254	3	,	,	PUNCT
hassl-4534	254	4	the	the	DET
hassl-4534	254	5	lack	lack	NOUN
hassl-4534	254	6	of	of	ADP
hassl-4534	254	7	global	global	ADJ
hassl-4534	254	8	research	research	NOUN
hassl-4534	254	9	on	on	ADP
hassl-4534	254	10	natural	natural	ADJ
hassl-4534	254	11	disasters	disaster	NOUN
hassl-4534	254	12	,	,	PUNCT
hassl-4534	254	13	irrespective	irrespective	ADV
hassl-4534	254	14	of	of	ADP
hassl-4534	254	15	national	national	ADJ
hassl-4534	254	16	boundaries	boundary	NOUN
hassl-4534	254	17	,	,	PUNCT
hassl-4534	254	18	primarily	primarily	ADV
hassl-4534	254	19	motivates	motivate	VERB
hassl-4534	254	20	this	this	DET
hassl-4534	254	21	study	study	NOUN
hassl-4534	254	22	.	.	PUNCT
hassl-4534	255	1	we	we	PRON
hassl-4534	255	2	establish	establish	VERB
hassl-4534	255	3	the	the	DET
hassl-4534	255	4	groundwork	groundwork	NOUN
hassl-4534	255	5	for	for	ADP
hassl-4534	255	6	any	any	DET
hassl-4534	255	7	subsequent	subsequent	ADJ
hassl-4534	255	8	investigation	investigation	NOUN
hassl-4534	255	9	into	into	ADP
hassl-4534	255	10	this	this	DET
hassl-4534	255	11	subject	subject	NOUN
hassl-4534	255	12	.	.	PUNCT
hassl-4534	256	1	however	however	ADV
hassl-4534	256	2	,	,	PUNCT
hassl-4534	256	3	further	further	ADJ
hassl-4534	256	4	research	research	NOUN
hassl-4534	256	5	on	on	ADP
hassl-4534	256	6	larger	large	ADJ
hassl-4534	256	7	samples	sample	NOUN
hassl-4534	256	8	and	and	CCONJ
hassl-4534	256	9	longer	long	ADJ
hassl-4534	256	10	periods	period	NOUN
hassl-4534	256	11	is	be	AUX
hassl-4534	256	12	necessary	necessary	ADJ
hassl-4534	256	13	to	to	PART
hassl-4534	256	14	validate	validate	VERB
hassl-4534	256	15	our	our	PRON
hassl-4534	256	16	findings	finding	NOUN
hassl-4534	256	17	on	on	ADP
hassl-4534	256	18	specific	specific	ADJ
hassl-4534	256	19	common	common	ADJ
hassl-4534	256	20	characteristics	characteristic	NOUN
hassl-4534	256	21	used	use	VERB
hassl-4534	256	22	as	as	ADP
hassl-4534	256	23	independent	independent	ADJ
hassl-4534	256	24	variables	variable	NOUN
hassl-4534	256	25	.	.	PUNCT
hassl-4534	257	1	funding	funding	NOUN
hassl-4534	257	2	:	:	PUNCT
hassl-4534	257	3	this	this	DET
hassl-4534	257	4	research	research	NOUN
hassl-4534	257	5	is	be	AUX
hassl-4534	257	6	supported	support	VERB
hassl-4534	257	7	by	by	ADP
hassl-4534	257	8	hibah	hibah	PROPN
hassl-4534	257	9	riset	riset	PROPN
hassl-4534	257	10	unpad	unpad	PROPN
hassl-4534	257	11	(	(	PUNCT
hassl-4534	257	12	hru	hru	NOUN
hassl-4534	257	13	)	)	PUNCT
hassl-4534	257	14	universitas	universita	NOUN
hassl-4534	257	15	padjadjaran	padjadjaran	NOUN
hassl-4534	257	16	,	,	PUNCT
hassl-4534	257	17	indonesia	indonesia	PROPN
hassl-4534	257	18	.	.	PUNCT
hassl-4534	258	1	(	(	PUNCT
hassl-4534	258	2	grant	grant	PROPN
hassl-4534	258	3	number	number	NOUN
hassl-4534	258	4	:	:	PUNCT
hassl-4534	258	5	1549	1549	NUM
hassl-4534	258	6	/	/	SYM
hassl-4534	258	7	un6.3.1	un6.3.1	PROPN
hassl-4534	258	8	/	/	SYM
hassl-4534	258	9	pt.00/2023	pt.00/2023	NUM
hassl-4534	258	10	)	)	PUNCT
hassl-4534	258	11	.	.	PUNCT
hassl-4534	259	1	institutional	institutional	ADJ
hassl-4534	259	2	review	review	PROPN
hassl-4534	259	3	board	board	NOUN
hassl-4534	259	4	statement	statement	NOUN
hassl-4534	259	5	:	:	PUNCT
hassl-4534	259	6	not	not	PART
hassl-4534	259	7	applicable	applicable	ADJ
hassl-4534	259	8	.	.	PUNCT
hassl-4534	260	1	transparency	transparency	NOUN
hassl-4534	260	2	:	:	PUNCT
hassl-4534	260	3	the	the	DET
hassl-4534	260	4	authors	author	NOUN
hassl-4534	260	5	state	state	VERB
hassl-4534	260	6	that	that	SCONJ
hassl-4534	260	7	the	the	DET
hassl-4534	260	8	manuscript	manuscript	NOUN
hassl-4534	260	9	is	be	AUX
hassl-4534	260	10	honest	honest	ADJ
hassl-4534	260	11	,	,	PUNCT
hassl-4534	260	12	truthful	truthful	ADJ
hassl-4534	260	13	,	,	PUNCT
hassl-4534	260	14	and	and	CCONJ
hassl-4534	260	15	transparent	transparent	ADJ
hassl-4534	260	16	,	,	PUNCT
hassl-4534	260	17	that	that	SCONJ
hassl-4534	260	18	no	no	DET
hassl-4534	260	19	key	key	ADJ
hassl-4534	260	20	aspects	aspect	NOUN
hassl-4534	260	21	of	of	ADP
hassl-4534	260	22	the	the	DET
hassl-4534	260	23	investigation	investigation	NOUN
hassl-4534	260	24	have	have	AUX
hassl-4534	260	25	been	be	AUX
hassl-4534	260	26	omitted	omit	VERB
hassl-4534	260	27	,	,	PUNCT
hassl-4534	260	28	and	and	CCONJ
hassl-4534	260	29	that	that	SCONJ
hassl-4534	260	30	any	any	DET
hassl-4534	260	31	differences	difference	NOUN
hassl-4534	260	32	from	from	ADP
hassl-4534	260	33	the	the	DET
hassl-4534	260	34	study	study	NOUN
hassl-4534	260	35	as	as	SCONJ
hassl-4534	260	36	planned	plan	VERB
hassl-4534	260	37	have	have	AUX
hassl-4534	260	38	been	be	AUX
hassl-4534	260	39	clarified	clarify	VERB
hassl-4534	260	40	.	.	PUNCT
hassl-4534	261	1	this	this	DET
hassl-4534	261	2	study	study	NOUN
hassl-4534	261	3	followed	follow	VERB
hassl-4534	261	4	all	all	PRON
hassl-4534	261	5	writing	write	VERB
hassl-4534	261	6	ethics	ethic	NOUN
hassl-4534	261	7	.	.	PUNCT
hassl-4534	262	1	competing	compete	VERB
hassl-4534	262	2	interests	interest	NOUN
hassl-4534	262	3	:	:	PUNCT
hassl-4534	262	4	the	the	DET
hassl-4534	262	5	authors	author	NOUN
hassl-4534	262	6	declare	declare	VERB
hassl-4534	262	7	that	that	SCONJ
hassl-4534	262	8	they	they	PRON
hassl-4534	262	9	have	have	VERB
hassl-4534	262	10	no	no	DET
hassl-4534	262	11	competing	compete	VERB
hassl-4534	262	12	interests	interest	NOUN
hassl-4534	262	13	.	.	PUNCT
hassl-4534	263	1	authors	author	NOUN
hassl-4534	263	2	’	'	PUNCT
hassl-4534	263	3	contributions	contribution	NOUN
hassl-4534	263	4	:	:	PUNCT
hassl-4534	263	5	all	all	DET
hassl-4534	263	6	authors	author	NOUN
hassl-4534	263	7	contributed	contribute	VERB
hassl-4534	263	8	equally	equally	ADV
hassl-4534	263	9	to	to	ADP
hassl-4534	263	10	the	the	DET
hassl-4534	263	11	conception	conception	NOUN
hassl-4534	263	12	and	and	CCONJ
hassl-4534	263	13	design	design	NOUN
hassl-4534	263	14	of	of	ADP
hassl-4534	263	15	the	the	DET
hassl-4534	263	16	study	study	NOUN
hassl-4534	263	17	.	.	PUNCT
hassl-4534	264	1	all	all	DET
hassl-4534	264	2	authors	author	NOUN
hassl-4534	264	3	have	have	AUX
hassl-4534	264	4	read	read	VERB
hassl-4534	264	5	and	and	CCONJ
hassl-4534	264	6	agreed	agree	VERB
hassl-4534	264	7	to	to	ADP
hassl-4534	264	8	the	the	DET
hassl-4534	264	9	published	publish	VERB
hassl-4534	264	10	version	version	NOUN
hassl-4534	264	11	of	of	ADP
hassl-4534	264	12	the	the	DET
hassl-4534	264	13	manuscript	manuscript	NOUN
hassl-4534	264	14	.	.	PUNCT
hassl-4534	265	1	references	reference	NOUN
hassl-4534	265	2	basel	basel	PROPN
hassl-4534	265	3	committee	committee	PROPN
hassl-4534	265	4	on	on	ADP
hassl-4534	265	5	banking	banking	NOUN
hassl-4534	265	6	supervision	supervision	NOUN
hassl-4534	265	7	.	.	PUNCT
hassl-4534	266	1	(	(	PUNCT
hassl-4534	266	2	2010	2010	NUM
hassl-4534	266	3	)	)	PUNCT
hassl-4534	266	4	.	.	PUNCT
hassl-4534	267	1	basel	basel	PROPN
hassl-4534	267	2	iii	iii	PROPN
hassl-4534	267	3	:	:	PUNCT
hassl-4534	267	4	a	a	DET
hassl-4534	267	5	global	global	ADJ
hassl-4534	267	6	regulatory	regulatory	ADJ
hassl-4534	267	7	framework	framework	NOUN
hassl-4534	267	8	for	for	ADP
hassl-4534	267	9	more	more	ADV
hassl-4534	267	10	resilient	resilient	ADJ
hassl-4534	267	11	banks	bank	NOUN
hassl-4534	267	12	and	and	CCONJ
hassl-4534	267	13	banking	banking	NOUN
hassl-4534	267	14	systems	system	NOUN
hassl-4534	267	15	.	.	PUNCT
hassl-4534	268	1	switzerland	switzerland	PROPN
hassl-4534	268	2	:	:	PUNCT
hassl-4534	268	3	bank	bank	PROPN
hassl-4534	268	4	for	for	ADP
hassl-4534	268	5	international	international	ADJ
hassl-4534	268	6	settlements	settlement	NOUN
hassl-4534	268	7	.	.	PUNCT
hassl-4534	269	1	berg	berg	PROPN
hassl-4534	269	2	,	,	PUNCT
hassl-4534	269	3	g.	g.	PROPN
hassl-4534	269	4	,	,	PUNCT
hassl-4534	269	5	&	&	CCONJ
hassl-4534	269	6	schrader	schrader	PROPN
hassl-4534	269	7	,	,	PUNCT
hassl-4534	269	8	j.	j.	PROPN
hassl-4534	269	9	(	(	PUNCT
hassl-4534	269	10	2012	2012	NUM
hassl-4534	269	11	)	)	PUNCT
hassl-4534	269	12	.	.	PUNCT
hassl-4534	270	1	access	access	NOUN
hassl-4534	270	2	to	to	ADP
hassl-4534	270	3	credit	credit	NOUN
hassl-4534	270	4	,	,	PUNCT
hassl-4534	270	5	natural	natural	ADJ
hassl-4534	270	6	disasters	disaster	NOUN
hassl-4534	270	7	,	,	PUNCT
hassl-4534	270	8	and	and	CCONJ
hassl-4534	270	9	relationship	relationship	NOUN
hassl-4534	270	10	lending	lending	NOUN
hassl-4534	270	11	.	.	PUNCT
hassl-4534	271	1	journal	journal	PROPN
hassl-4534	271	2	of	of	ADP
hassl-4534	271	3	financial	financial	ADJ
hassl-4534	271	4	intermediation	intermediation	NOUN
hassl-4534	271	5	,	,	PUNCT
hassl-4534	271	6	21(4	21(4	NUM
hassl-4534	271	7	)	)	PUNCT
hassl-4534	271	8	,	,	PUNCT
hassl-4534	271	9	549	549	NUM
hassl-4534	271	10	-	-	SYM
hassl-4534	271	11	568	568	NUM
hassl-4534	271	12	.	.	PUNCT
hassl-4534	272	1	https://doi.org/10.1016/j.jfi.2012.05.003	https://doi.org/10.1016/j.jfi.2012.05.003	PROPN
hassl-4534	272	2	botzen	botzen	PROPN
hassl-4534	272	3	,	,	PUNCT
hassl-4534	272	4	w.	w.	PROPN
hassl-4534	272	5	w.	w.	PROPN
hassl-4534	272	6	j.	j.	PROPN
hassl-4534	272	7	,	,	PUNCT
hassl-4534	272	8	deschenes	deschene	NOUN
hassl-4534	272	9	,	,	PUNCT
hassl-4534	272	10	o.	o.	PROPN
hassl-4534	272	11	,	,	PUNCT
hassl-4534	272	12	&	&	CCONJ
hassl-4534	272	13	sanders	sanders	PROPN
hassl-4534	272	14	,	,	PUNCT
hassl-4534	272	15	m.	m.	NOUN
hassl-4534	272	16	(	(	PUNCT
hassl-4534	272	17	2019	2019	NUM
hassl-4534	272	18	)	)	PUNCT
hassl-4534	272	19	.	.	PUNCT
hassl-4534	273	1	the	the	DET
hassl-4534	273	2	economic	economic	ADJ
hassl-4534	273	3	impacts	impact	NOUN
hassl-4534	273	4	of	of	ADP
hassl-4534	273	5	natural	natural	ADJ
hassl-4534	273	6	disasters	disaster	NOUN
hassl-4534	273	7	:	:	PUNCT
hassl-4534	273	8	a	a	DET
hassl-4534	273	9	review	review	NOUN
hassl-4534	273	10	of	of	ADP
hassl-4534	273	11	models	model	NOUN
hassl-4534	273	12	and	and	CCONJ
hassl-4534	273	13	empirical	empirical	ADJ
hassl-4534	273	14	studies	study	NOUN
hassl-4534	273	15	.	.	PUNCT
hassl-4534	274	1	review	review	NOUN
hassl-4534	274	2	of	of	ADP
hassl-4534	274	3	environmental	environmental	ADJ
hassl-4534	274	4	economics	economic	NOUN
hassl-4534	274	5	and	and	CCONJ
hassl-4534	274	6	policy	policy	NOUN
hassl-4534	274	7	,	,	PUNCT
hassl-4534	274	8	13(2	13(2	PROPN
hassl-4534	274	9	)	)	PUNCT
hassl-4534	274	10	,	,	PUNCT
hassl-4534	274	11	167	167	NUM
hassl-4534	274	12	-	-	SYM
hassl-4534	274	13	194	194	NUM
hassl-4534	274	14	.	.	PUNCT
hassl-4534	275	1	https://doi.org/10.1093/reep/rez004	https://doi.org/10.1093/reep/rez004	PROPN
hassl-4534	275	2	brahmana	brahmana	PROPN
hassl-4534	275	3	,	,	PUNCT
hassl-4534	275	4	r.	r.	PROPN
hassl-4534	275	5	,	,	PUNCT
hassl-4534	275	6	puah	puah	NOUN
hassl-4534	275	7	,	,	PUNCT
hassl-4534	275	8	c.	c.	PROPN
hassl-4534	275	9	h.	h.	PROPN
hassl-4534	275	10	,	,	PUNCT
hassl-4534	275	11	&	&	CCONJ
hassl-4534	275	12	chai	chai	NOUN
hassl-4534	275	13	,	,	PUNCT
hassl-4534	275	14	m.	m.	NOUN
hassl-4534	275	15	(	(	PUNCT
hassl-4534	275	16	2016	2016	NUM
hassl-4534	275	17	)	)	PUNCT
hassl-4534	275	18	.	.	PUNCT
hassl-4534	276	1	natural	natural	ADJ
hassl-4534	276	2	disaster	disaster	NOUN
hassl-4534	276	3	and	and	CCONJ
hassl-4534	276	4	local	local	ADJ
hassl-4534	276	5	bank	bank	NOUN
hassl-4534	276	6	non	non	ADJ
hassl-4534	276	7	-	-	ADJ
hassl-4534	276	8	performing	performing	ADJ
hassl-4534	276	9	loan	loan	NOUN
hassl-4534	276	10	:	:	PUNCT
hassl-4534	276	11	case	case	NOUN
hassl-4534	276	12	of	of	ADP
hassl-4534	276	13	nias	nias	PROPN
hassl-4534	276	14	tsunami	tsunami	NOUN
hassl-4534	276	15	2004	2004	NUM
hassl-4534	276	16	.	.	PUNCT
hassl-4534	277	1	economics	economic	NOUN
hassl-4534	277	2	bulletin	bulletin	PROPN
hassl-4534	277	3	,	,	PUNCT
hassl-4534	277	4	36(4	36(4	NUM
hassl-4534	277	5	)	)	PUNCT
hassl-4534	277	6	,	,	PUNCT
hassl-4534	277	7	2413	2413	NUM
hassl-4534	277	8	-	-	SYM
hassl-4534	277	9	2421	2421	NUM
hassl-4534	277	10	.	.	PUNCT
hassl-4534	278	1	brahmana	brahmana	NOUN
hassl-4534	278	2	,	,	PUNCT
hassl-4534	278	3	r.	r.	PROPN
hassl-4534	278	4	k.	k.	PROPN
hassl-4534	278	5	,	,	PUNCT
hassl-4534	278	6	&	&	CCONJ
hassl-4534	278	7	kontesa	kontesa	PROPN
hassl-4534	278	8	,	,	PUNCT
hassl-4534	278	9	m.	m.	NOUN
hassl-4534	278	10	(	(	PUNCT
hassl-4534	278	11	2023	2023	NUM
hassl-4534	278	12	)	)	PUNCT
hassl-4534	278	13	.	.	PUNCT
hassl-4534	279	1	sea	sea	NOUN
hassl-4534	279	2	surface	surface	NOUN
hassl-4534	279	3	temperature	temperature	NOUN
hassl-4534	279	4	anomalies	anomaly	NOUN
hassl-4534	279	5	and	and	CCONJ
hassl-4534	279	6	cash	cash	NOUN
hassl-4534	279	7	holdings	holding	NOUN
hassl-4534	279	8	:	:	PUNCT
hassl-4534	279	9	evidence	evidence	NOUN
hassl-4534	279	10	from	from	ADP
hassl-4534	279	11	fisheries	fishery	NOUN
hassl-4534	279	12	companies	company	NOUN
hassl-4534	279	13	.	.	PUNCT
hassl-4534	280	1	marine	marine	ADJ
hassl-4534	280	2	policy	policy	NOUN
hassl-4534	280	3	,	,	PUNCT
hassl-4534	280	4	148	148	NUM
hassl-4534	280	5	,	,	PUNCT
hassl-4534	280	6	105452	105452	NUM
hassl-4534	280	7	.	.	PUNCT
hassl-4534	281	1	https://doi.org/10.1016/j.marpol.2022.105452	https://doi.org/10.1016/j.marpol.2022.105452	NOUN
hassl-4534	281	2	https://doi.org/10.1016/j.jfi.2012.05.003	https://doi.org/10.1016/j.jfi.2012.05.003	PROPN
hassl-4534	281	3	https://doi.org/10.1093/reep/rez004	https://doi.org/10.1093/reep/rez004	PROPN
hassl-4534	281	4	https://doi.org/10.1016/j.marpol.2022.105452	https://doi.org/10.1016/j.marpol.2022.105452	NOUN
hassl-4534	281	5	humanities	humanity	NOUN
hassl-4534	281	6	and	and	CCONJ
hassl-4534	281	7	social	social	ADJ
hassl-4534	281	8	sciences	science	NOUN
hassl-4534	281	9	letters	letter	NOUN
hassl-4534	281	10	,	,	PUNCT
hassl-4534	281	11	2025	2025	NUM
hassl-4534	281	12	,	,	PUNCT
hassl-4534	281	13	13(4	13(4	NUM
hassl-4534	281	14	):	):	PUNCT
hassl-4534	281	15	1584	1584	NUM
hassl-4534	281	16	-	-	SYM
hassl-4534	281	17	1595	1595	NUM
hassl-4534	281	18	1594	1594	NUM
hassl-4534	281	19	©	©	PROPN
hassl-4534	281	20	2025	2025	NUM
hassl-4534	281	21	conscientia	conscientia	PROPN
hassl-4534	281	22	beam	beam	PROPN
hassl-4534	281	23	.	.	PUNCT
hassl-4534	282	1	all	all	DET
hassl-4534	282	2	rights	right	NOUN
hassl-4534	282	3	reserved	reserve	VERB
hassl-4534	282	4	.	.	PUNCT
hassl-4534	283	1	breckner	breckner	NOUN
hassl-4534	283	2	,	,	PUNCT
hassl-4534	283	3	m.	m.	NOUN
hassl-4534	283	4	,	,	PUNCT
hassl-4534	283	5	englmaier	englmaier	PROPN
hassl-4534	283	6	,	,	PUNCT
hassl-4534	283	7	f.	f.	PROPN
hassl-4534	283	8	,	,	PUNCT
hassl-4534	283	9	stowasser	stowasser	NOUN
hassl-4534	283	10	,	,	PUNCT
hassl-4534	283	11	t.	t.	PROPN
hassl-4534	283	12	,	,	PUNCT
hassl-4534	283	13	&	&	CCONJ
hassl-4534	283	14	sunde	sunde	PROPN
hassl-4534	283	15	,	,	PUNCT
hassl-4534	283	16	u.	u.	PROPN
hassl-4534	283	17	(	(	PUNCT
hassl-4534	283	18	2016	2016	NUM
hassl-4534	283	19	)	)	PUNCT
hassl-4534	283	20	.	.	PUNCT
hassl-4534	284	1	resilience	resilience	NOUN
hassl-4534	284	2	to	to	ADP
hassl-4534	284	3	natural	natural	ADJ
hassl-4534	284	4	disasters	disaster	NOUN
hassl-4534	284	5	—	—	PUNCT
hassl-4534	284	6	insurance	insurance	NOUN
hassl-4534	284	7	penetration	penetration	NOUN
hassl-4534	284	8	,	,	PUNCT
hassl-4534	284	9	institutions	institution	NOUN
hassl-4534	284	10	,	,	PUNCT
hassl-4534	284	11	and	and	CCONJ
hassl-4534	284	12	disaster	disaster	NOUN
hassl-4534	284	13	types	type	NOUN
hassl-4534	284	14	.	.	PUNCT
hassl-4534	285	1	economics	economic	NOUN
hassl-4534	285	2	letters	letter	NOUN
hassl-4534	285	3	,	,	PUNCT
hassl-4534	285	4	148	148	NUM
hassl-4534	285	5	,	,	PUNCT
hassl-4534	285	6	106	106	NUM
hassl-4534	285	7	-	-	SYM
hassl-4534	285	8	110	110	NUM
hassl-4534	285	9	.	.	PUNCT
hassl-4534	286	1	https://doi.org/10.1016/j.econlet.2016.09.023	https://doi.org/10.1016/j.econlet.2016.09.023	NOUN
hassl-4534	286	2	brei	brei	ADJ
hassl-4534	286	3	,	,	PUNCT
hassl-4534	286	4	m.	m.	NOUN
hassl-4534	286	5	,	,	PUNCT
hassl-4534	286	6	mohan	mohan	PROPN
hassl-4534	286	7	,	,	PUNCT
hassl-4534	286	8	p.	p.	PROPN
hassl-4534	286	9	,	,	PUNCT
hassl-4534	286	10	&	&	CCONJ
hassl-4534	286	11	strobl	strobl	PROPN
hassl-4534	286	12	,	,	PUNCT
hassl-4534	286	13	e.	e.	PROPN
hassl-4534	286	14	(	(	PUNCT
hassl-4534	286	15	2019	2019	NUM
hassl-4534	286	16	)	)	PUNCT
hassl-4534	286	17	.	.	PUNCT
hassl-4534	287	1	the	the	DET
hassl-4534	287	2	impact	impact	NOUN
hassl-4534	287	3	of	of	ADP
hassl-4534	287	4	natural	natural	ADJ
hassl-4534	287	5	disasters	disaster	NOUN
hassl-4534	287	6	on	on	ADP
hassl-4534	287	7	the	the	DET
hassl-4534	287	8	banking	banking	NOUN
hassl-4534	287	9	sector	sector	NOUN
hassl-4534	287	10	:	:	PUNCT
hassl-4534	287	11	evidence	evidence	NOUN
hassl-4534	287	12	from	from	ADP
hassl-4534	287	13	hurricane	hurricane	NOUN
hassl-4534	287	14	strikes	strike	NOUN
hassl-4534	287	15	in	in	ADP
hassl-4534	287	16	the	the	DET
hassl-4534	287	17	caribbean	caribbean	PROPN
hassl-4534	287	18	.	.	PUNCT
hassl-4534	288	1	the	the	DET
hassl-4534	288	2	quarterly	quarterly	ADJ
hassl-4534	288	3	review	review	NOUN
hassl-4534	288	4	of	of	ADP
hassl-4534	288	5	economics	economic	NOUN
hassl-4534	288	6	and	and	CCONJ
hassl-4534	288	7	finance	finance	NOUN
hassl-4534	288	8	,	,	PUNCT
hassl-4534	288	9	72	72	NUM
hassl-4534	288	10	,	,	PUNCT
hassl-4534	288	11	232	232	NUM
hassl-4534	288	12	-	-	SYM
hassl-4534	288	13	239	239	NUM
hassl-4534	288	14	.	.	PUNCT
hassl-4534	289	1	https://doi.org/10.1016/j.qref.2018.12.004	https://doi.org/10.1016/j.qref.2018.12.004	NOUN
hassl-4534	289	2	caner	caner	NOUN
hassl-4534	289	3	,	,	PUNCT
hassl-4534	289	4	m.	m.	NOUN
hassl-4534	289	5	,	,	PUNCT
hassl-4534	289	6	&	&	CCONJ
hassl-4534	289	7	zhang	zhang	PROPN
hassl-4534	289	8	,	,	PUNCT
hassl-4534	289	9	z.	z.	PROPN
hassl-4534	289	10	(	(	PUNCT
hassl-4534	289	11	2014	2014	NUM
hassl-4534	289	12	)	)	PUNCT
hassl-4534	289	13	.	.	PUNCT
hassl-4534	290	1	a	a	DET
hassl-4534	290	2	semiparametric	semiparametric	ADJ
hassl-4534	290	3	approach	approach	NOUN
hassl-4534	290	4	to	to	ADP
hassl-4534	290	5	the	the	DET
hassl-4534	290	6	estimation	estimation	NOUN
hassl-4534	290	7	of	of	ADP
hassl-4534	290	8	panel	panel	NOUN
hassl-4534	290	9	data	datum	NOUN
hassl-4534	290	10	models	model	NOUN
hassl-4534	290	11	.	.	PUNCT
hassl-4534	291	1	journal	journal	NOUN
hassl-4534	291	2	of	of	ADP
hassl-4534	291	3	econometrics	econometric	NOUN
hassl-4534	291	4	,	,	PUNCT
hassl-4534	291	5	182(1	182(1	NUM
hassl-4534	291	6	)	)	PUNCT
hassl-4534	291	7	,	,	PUNCT
hassl-4534	291	8	81	81	NUM
hassl-4534	291	9	-	-	SYM
hassl-4534	291	10	99	99	NUM
hassl-4534	291	11	.	.	PUNCT
hassl-4534	292	1	cavallo	cavallo	PROPN
hassl-4534	292	2	,	,	PUNCT
hassl-4534	292	3	e.	e.	PROPN
hassl-4534	292	4	,	,	PUNCT
hassl-4534	292	5	galiani	galiani	PROPN
hassl-4534	292	6	,	,	PUNCT
hassl-4534	292	7	s.	s.	PROPN
hassl-4534	292	8	,	,	PUNCT
hassl-4534	292	9	noy	noy	PROPN
hassl-4534	292	10	,	,	PUNCT
hassl-4534	292	11	i.	i.	PROPN
hassl-4534	292	12	,	,	PUNCT
hassl-4534	292	13	&	&	CCONJ
hassl-4534	292	14	pantano	pantano	PROPN
hassl-4534	292	15	,	,	PUNCT
hassl-4534	292	16	j.	j.	PROPN
hassl-4534	292	17	(	(	PUNCT
hassl-4534	292	18	2013	2013	NUM
hassl-4534	292	19	)	)	PUNCT
hassl-4534	292	20	.	.	PUNCT
hassl-4534	293	1	catastrophic	catastrophic	ADJ
hassl-4534	293	2	natural	natural	ADJ
hassl-4534	293	3	disasters	disaster	NOUN
hassl-4534	293	4	and	and	CCONJ
hassl-4534	293	5	economic	economic	ADJ
hassl-4534	293	6	growth	growth	NOUN
hassl-4534	293	7	.	.	PUNCT
hassl-4534	294	1	the	the	DET
hassl-4534	294	2	review	review	NOUN
hassl-4534	294	3	of	of	ADP
hassl-4534	294	4	economics	economic	NOUN
hassl-4534	294	5	and	and	CCONJ
hassl-4534	294	6	statistics	statistic	NOUN
hassl-4534	294	7	,	,	PUNCT
hassl-4534	294	8	95(5	95(5	NUM
hassl-4534	294	9	)	)	PUNCT
hassl-4534	294	10	,	,	PUNCT
hassl-4534	294	11	1549	1549	NUM
hassl-4534	294	12	-	-	SYM
hassl-4534	294	13	1561	1561	NUM
hassl-4534	294	14	.	.	PUNCT
hassl-4534	295	1	https://doi.org/10.1162/rest_a_00413	https://doi.org/10.1162/rest_a_00413	PROPN
hassl-4534	295	2	chang	chang	PROPN
hassl-4534	295	3	,	,	PUNCT
hassl-4534	295	4	c.	c.	PROPN
hassl-4534	295	5	p.	p.	PROPN
hassl-4534	295	6	,	,	PUNCT
hassl-4534	295	7	&	&	CCONJ
hassl-4534	295	8	berdiev	berdiev	PROPN
hassl-4534	295	9	,	,	PUNCT
hassl-4534	295	10	a.	a.	NOUN
hassl-4534	295	11	n.	n.	NOUN
hassl-4534	295	12	(	(	PUNCT
hassl-4534	295	13	2013	2013	NUM
hassl-4534	295	14	)	)	PUNCT
hassl-4534	295	15	.	.	PUNCT
hassl-4534	296	1	natural	natural	ADJ
hassl-4534	296	2	disasters	disaster	NOUN
hassl-4534	296	3	,	,	PUNCT
hassl-4534	296	4	political	political	ADJ
hassl-4534	296	5	risk	risk	NOUN
hassl-4534	296	6	and	and	CCONJ
hassl-4534	296	7	insurance	insurance	NOUN
hassl-4534	296	8	market	market	NOUN
hassl-4534	296	9	development	development	NOUN
hassl-4534	296	10	.	.	PUNCT
hassl-4534	297	1	the	the	DET
hassl-4534	297	2	geneva	geneva	PROPN
hassl-4534	297	3	papers	paper	NOUN
hassl-4534	297	4	on	on	ADP
hassl-4534	297	5	risk	risk	NOUN
hassl-4534	297	6	and	and	CCONJ
hassl-4534	297	7	insurance	insurance	NOUN
hassl-4534	297	8	-	-	PUNCT
hassl-4534	297	9	issues	issue	NOUN
hassl-4534	297	10	and	and	CCONJ
hassl-4534	297	11	practice	practice	NOUN
hassl-4534	297	12	,	,	PUNCT
hassl-4534	297	13	38(3	38(3	NUM
hassl-4534	297	14	)	)	PUNCT
hassl-4534	297	15	,	,	PUNCT
hassl-4534	297	16	406	406	NUM
hassl-4534	297	17	-	-	SYM
hassl-4534	297	18	448	448	NUM
hassl-4534	297	19	.	.	PUNCT
hassl-4534	298	1	https://doi.org/10.1057/gpp.2013.14	https://doi.org/10.1057/gpp.2013.14	X
hassl-4534	298	2	chang	chang	PROPN
hassl-4534	298	3	,	,	PUNCT
hassl-4534	298	4	s.	s.	PROPN
hassl-4534	298	5	e.	e.	PROPN
hassl-4534	298	6	,	,	PUNCT
hassl-4534	298	7	brown	brown	PROPN
hassl-4534	298	8	,	,	PUNCT
hassl-4534	298	9	c.	c.	PROPN
hassl-4534	298	10	,	,	PUNCT
hassl-4534	298	11	handmer	handmer	PROPN
hassl-4534	298	12	,	,	PUNCT
hassl-4534	298	13	j.	j.	PROPN
hassl-4534	298	14	,	,	PUNCT
hassl-4534	298	15	helgeson	helgeson	PROPN
hassl-4534	298	16	,	,	PUNCT
hassl-4534	298	17	j.	j.	PROPN
hassl-4534	298	18	,	,	PUNCT
hassl-4534	298	19	kajitani	kajitani	PROPN
hassl-4534	298	20	,	,	PUNCT
hassl-4534	298	21	y.	y.	PROPN
hassl-4534	298	22	,	,	PUNCT
hassl-4534	298	23	keating	keating	NOUN
hassl-4534	298	24	,	,	PUNCT
hassl-4534	298	25	a.	a.	NOUN
hassl-4534	298	26	,	,	PUNCT
hassl-4534	298	27	noy	noy	PROPN
hassl-4534	298	28	,	,	PUNCT
hassl-4534	298	29	i.	i.	NOUN
hassl-4534	298	30	,	,	PUNCT
hassl-4534	298	31	.	.	PUNCT
hassl-4534	298	32	.	.	PUNCT
hassl-4534	298	33	.	.	PUNCT
hassl-4534	299	1	roa	roa	PROPN
hassl-4534	299	2	-	-	PUNCT
hassl-4534	299	3	henriquez	henriquez	NOUN
hassl-4534	299	4	,	,	PUNCT
hassl-4534	299	5	a.	a.	NOUN
hassl-4534	299	6	,	,	PUNCT
hassl-4534	299	7	(	(	PUNCT
hassl-4534	299	8	2022	2022	NUM
hassl-4534	299	9	)	)	PUNCT
hassl-4534	299	10	.	.	PUNCT
hassl-4534	300	1	business	business	NOUN
hassl-4534	300	2	recovery	recovery	NOUN
hassl-4534	300	3	from	from	ADP
hassl-4534	300	4	disasters	disaster	NOUN
hassl-4534	300	5	:	:	PUNCT
hassl-4534	300	6	lessons	lesson	NOUN
hassl-4534	300	7	from	from	ADP
hassl-4534	300	8	natural	natural	ADJ
hassl-4534	300	9	hazards	hazard	NOUN
hassl-4534	300	10	and	and	CCONJ
hassl-4534	300	11	the	the	DET
hassl-4534	300	12	covid-19	covid-19	PROPN
hassl-4534	300	13	pandemic	pandemic	NOUN
hassl-4534	300	14	.	.	PUNCT
hassl-4534	301	1	international	international	ADJ
hassl-4534	301	2	journal	journal	NOUN
hassl-4534	301	3	of	of	ADP
hassl-4534	301	4	disaster	disaster	NOUN
hassl-4534	301	5	risk	risk	NOUN
hassl-4534	301	6	reduction	reduction	NOUN
hassl-4534	301	7	,	,	PUNCT
hassl-4534	301	8	80	80	NUM
hassl-4534	301	9	,	,	PUNCT
hassl-4534	301	10	103191	103191	NUM
hassl-4534	301	11	.	.	PUNCT
hassl-4534	302	1	https://doi.org/10.1016/j.ijdrr.2022.103191	https://doi.org/10.1016/j.ijdrr.2022.103191	PROPN
hassl-4534	302	2	chen	chen	PROPN
hassl-4534	302	3	,	,	PUNCT
hassl-4534	302	4	x.	x.	PROPN
hassl-4534	302	5	,	,	PUNCT
hassl-4534	302	6	&	&	CCONJ
hassl-4534	302	7	chang	chang	PROPN
hassl-4534	302	8	,	,	PUNCT
hassl-4534	302	9	c.-p	c.-p	PROPN
hassl-4534	302	10	.	.	PUNCT
hassl-4534	302	11	(	(	PUNCT
hassl-4534	302	12	2021	2021	NUM
hassl-4534	302	13	)	)	PUNCT
hassl-4534	302	14	.	.	PUNCT
hassl-4534	303	1	the	the	DET
hassl-4534	303	2	shocks	shock	NOUN
hassl-4534	303	3	of	of	ADP
hassl-4534	303	4	natural	natural	ADJ
hassl-4534	303	5	hazards	hazard	NOUN
hassl-4534	303	6	on	on	ADP
hassl-4534	303	7	financial	financial	ADJ
hassl-4534	303	8	systems	system	NOUN
hassl-4534	303	9	.	.	PUNCT
hassl-4534	304	1	natural	natural	ADJ
hassl-4534	304	2	hazards	hazard	NOUN
hassl-4534	304	3	,	,	PUNCT
hassl-4534	304	4	105(3	105(3	NUM
hassl-4534	304	5	)	)	PUNCT
hassl-4534	304	6	,	,	PUNCT
hassl-4534	304	7	2327	2327	NUM
hassl-4534	304	8	-	-	SYM
hassl-4534	304	9	2359	2359	NUM
hassl-4534	304	10	.	.	PUNCT
hassl-4534	305	1	https://doi.org/10.1007/s11069-020-04402-0	https://doi.org/10.1007/s11069-020-04402-0	NUM
hassl-4534	305	2	chen	chen	PROPN
hassl-4534	305	3	,	,	PUNCT
hassl-4534	305	4	x.	x.	PROPN
hassl-4534	305	5	,	,	PUNCT
hassl-4534	305	6	zhao	zhao	PROPN
hassl-4534	305	7	,	,	PUNCT
hassl-4534	305	8	x.	x.	PROPN
hassl-4534	305	9	,	,	PUNCT
hassl-4534	305	10	&	&	CCONJ
hassl-4534	305	11	chang	chang	PROPN
hassl-4534	305	12	,	,	PUNCT
hassl-4534	305	13	c.-p	c.-p	PROPN
hassl-4534	305	14	.	.	PUNCT
hassl-4534	305	15	(	(	PUNCT
hassl-4534	305	16	2023	2023	NUM
hassl-4534	305	17	)	)	PUNCT
hassl-4534	305	18	.	.	PUNCT
hassl-4534	306	1	the	the	DET
hassl-4534	306	2	shocks	shock	NOUN
hassl-4534	306	3	of	of	ADP
hassl-4534	306	4	natural	natural	ADJ
hassl-4534	306	5	disasters	disaster	NOUN
hassl-4534	306	6	on	on	ADP
hassl-4534	306	7	npls	npls	NOUN
hassl-4534	306	8	:	:	PUNCT
hassl-4534	306	9	global	global	ADJ
hassl-4534	306	10	evidence	evidence	NOUN
hassl-4534	306	11	.	.	PUNCT
hassl-4534	307	1	economic	economic	ADJ
hassl-4534	307	2	systems	system	NOUN
hassl-4534	307	3	,	,	PUNCT
hassl-4534	307	4	47(1	47(1	NUM
hassl-4534	307	5	)	)	PUNCT
hassl-4534	307	6	,	,	PUNCT
hassl-4534	307	7	101050	101050	NUM
hassl-4534	307	8	.	.	PUNCT
hassl-4534	308	1	https://doi.org/10.1016/j.ecosys.2022.101050	https://doi.org/10.1016/j.ecosys.2022.101050	PROPN
hassl-4534	308	2	chia	chia	PROPN
hassl-4534	308	3	,	,	PUNCT
hassl-4534	308	4	y.-e	y.-e	PROPN
hassl-4534	308	5	.	.	PROPN
hassl-4534	308	6	,	,	PUNCT
hassl-4534	308	7	lim	lim	PROPN
hassl-4534	308	8	,	,	PUNCT
hassl-4534	308	9	k.-p	k.-p	PROPN
hassl-4534	308	10	.	.	PROPN
hassl-4534	308	11	,	,	PUNCT
hassl-4534	308	12	&	&	CCONJ
hassl-4534	308	13	goh	goh	PROPN
hassl-4534	308	14	,	,	PUNCT
hassl-4534	308	15	k.-l	k.-l	PROPN
hassl-4534	308	16	.	.	PUNCT
hassl-4534	309	1	(	(	PUNCT
hassl-4534	309	2	2020	2020	NUM
hassl-4534	309	3	)	)	PUNCT
hassl-4534	309	4	.	.	PUNCT
hassl-4534	310	1	liquidity	liquidity	NOUN
hassl-4534	310	2	and	and	CCONJ
hassl-4534	310	3	firm	firm	ADJ
hassl-4534	310	4	value	value	NOUN
hassl-4534	310	5	in	in	ADP
hassl-4534	310	6	an	an	DET
hassl-4534	310	7	emerging	emerge	VERB
hassl-4534	310	8	market	market	NOUN
hassl-4534	310	9	:	:	PUNCT
hassl-4534	310	10	nonlinearity	nonlinearity	NOUN
hassl-4534	310	11	,	,	PUNCT
hassl-4534	310	12	political	political	ADJ
hassl-4534	310	13	connections	connection	NOUN
hassl-4534	310	14	and	and	CCONJ
hassl-4534	310	15	corporate	corporate	ADJ
hassl-4534	310	16	ownership	ownership	NOUN
hassl-4534	310	17	.	.	PUNCT
hassl-4534	311	1	the	the	DET
hassl-4534	311	2	north	north	ADJ
hassl-4534	311	3	american	american	PROPN
hassl-4534	311	4	journal	journal	PROPN
hassl-4534	311	5	of	of	ADP
hassl-4534	311	6	economics	economic	NOUN
hassl-4534	311	7	and	and	CCONJ
hassl-4534	311	8	finance	finance	NOUN
hassl-4534	311	9	,	,	PUNCT
hassl-4534	311	10	52	52	NUM
hassl-4534	311	11	,	,	PUNCT
hassl-4534	311	12	101169	101169	NUM
hassl-4534	311	13	.	.	PUNCT
hassl-4534	312	1	https://doi.org/10.1016/j.najef.2020.101169	https://doi.org/10.1016/j.najef.2020.101169	ADJ
hassl-4534	312	2	collier	collier	PROPN
hassl-4534	312	3	,	,	PUNCT
hassl-4534	312	4	b.	b.	PROPN
hassl-4534	312	5	,	,	PUNCT
hassl-4534	312	6	katchova	katchova	PROPN
hassl-4534	312	7	,	,	PUNCT
hassl-4534	312	8	a.	a.	PROPN
hassl-4534	312	9	l.	l.	PROPN
hassl-4534	312	10	,	,	PUNCT
hassl-4534	312	11	&	&	CCONJ
hassl-4534	312	12	skees	skees	PROPN
hassl-4534	312	13	,	,	PUNCT
hassl-4534	312	14	j.	j.	PROPN
hassl-4534	312	15	r.	r.	PROPN
hassl-4534	312	16	(	(	PUNCT
hassl-4534	312	17	2011	2011	NUM
hassl-4534	312	18	)	)	PUNCT
hassl-4534	312	19	.	.	PUNCT
hassl-4534	313	1	loan	loan	NOUN
hassl-4534	313	2	portfolio	portfolio	NOUN
hassl-4534	313	3	performance	performance	NOUN
hassl-4534	313	4	and	and	CCONJ
hassl-4534	313	5	el	el	PROPN
hassl-4534	313	6	niño	niño	PROPN
hassl-4534	313	7	,	,	PUNCT
hassl-4534	313	8	an	an	DET
hassl-4534	313	9	intervention	intervention	NOUN
hassl-4534	313	10	analysis	analysis	NOUN
hassl-4534	313	11	.	.	PUNCT
hassl-4534	314	1	agricultural	agricultural	ADJ
hassl-4534	314	2	finance	finance	NOUN
hassl-4534	314	3	review	review	NOUN
hassl-4534	314	4	,	,	PUNCT
hassl-4534	314	5	71(1	71(1	NUM
hassl-4534	314	6	)	)	PUNCT
hassl-4534	314	7	,	,	PUNCT
hassl-4534	314	8	98	98	NUM
hassl-4534	314	9	-	-	SYM
hassl-4534	314	10	119	119	NUM
hassl-4534	314	11	.	.	PUNCT
hassl-4534	315	1	http://doi.org/10.1108/00021461111128183	http://doi.org/10.1108/00021461111128183	PROPN
hassl-4534	315	2	cortés	cortés	PROPN
hassl-4534	315	3	,	,	PUNCT
hassl-4534	315	4	k.	k.	PROPN
hassl-4534	315	5	r.	r.	PROPN
hassl-4534	315	6	(	(	PUNCT
hassl-4534	315	7	2014	2014	NUM
hassl-4534	315	8	)	)	PUNCT
hassl-4534	315	9	.	.	PUNCT
hassl-4534	316	1	rebuilding	rebuild	VERB
hassl-4534	316	2	after	after	ADP
hassl-4534	316	3	disaster	disaster	NOUN
hassl-4534	316	4	strikes	strike	NOUN
hassl-4534	316	5	:	:	PUNCT
hassl-4534	316	6	how	how	SCONJ
hassl-4534	316	7	local	local	ADJ
hassl-4534	316	8	lenders	lender	NOUN
hassl-4534	316	9	aid	aid	VERB
hassl-4534	316	10	in	in	ADP
hassl-4534	316	11	the	the	DET
hassl-4534	316	12	recovery	recovery	NOUN
hassl-4534	316	13	.	.	PUNCT
hassl-4534	317	1	working	work	VERB
hassl-4534	317	2	paper	paper	NOUN
hassl-4534	317	3	.	.	PUNCT
hassl-4534	318	1	14	14	NUM
hassl-4534	318	2	-	-	SYM
hassl-4534	318	3	28	28	NUM
hassl-4534	318	4	.	.	PUNCT
hassl-4534	319	1	cleveland	cleveland	PROPN
hassl-4534	319	2	,	,	PUNCT
hassl-4534	319	3	oh	oh	INTJ
hassl-4534	319	4	:	:	PUNCT
hassl-4534	319	5	federal	federal	PROPN
hassl-4534	319	6	reserve	reserve	PROPN
hassl-4534	319	7	bank	bank	PROPN
hassl-4534	319	8	of	of	ADP
hassl-4534	319	9	cleveland	cleveland	PROPN
hassl-4534	319	10	.	.	PUNCT
hassl-4534	320	1	https://doi.org/10.26509/frbc-wp-201428	https://doi.org/10.26509/frbc-wp-201428	PROPN
hassl-4534	320	2	cortés	cortés	PROPN
hassl-4534	320	3	,	,	PUNCT
hassl-4534	320	4	k.	k.	PROPN
hassl-4534	320	5	r.	r.	PROPN
hassl-4534	320	6	,	,	PUNCT
hassl-4534	320	7	&	&	CCONJ
hassl-4534	320	8	strahan	strahan	PROPN
hassl-4534	320	9	,	,	PUNCT
hassl-4534	320	10	p.	p.	PROPN
hassl-4534	320	11	e.	e.	PROPN
hassl-4534	320	12	(	(	PUNCT
hassl-4534	320	13	2017	2017	NUM
hassl-4534	320	14	)	)	PUNCT
hassl-4534	320	15	.	.	PUNCT
hassl-4534	321	1	tracing	trace	VERB
hassl-4534	321	2	out	out	ADP
hassl-4534	321	3	capital	capital	NOUN
hassl-4534	321	4	flows	flow	NOUN
hassl-4534	321	5	:	:	PUNCT
hassl-4534	321	6	how	how	SCONJ
hassl-4534	321	7	financially	financially	ADV
hassl-4534	321	8	integrated	integrate	VERB
hassl-4534	321	9	banks	bank	NOUN
hassl-4534	321	10	respond	respond	VERB
hassl-4534	321	11	to	to	ADP
hassl-4534	321	12	natural	natural	ADJ
hassl-4534	321	13	disasters	disaster	NOUN
hassl-4534	321	14	.	.	PUNCT
hassl-4534	322	1	journal	journal	NOUN
hassl-4534	322	2	of	of	ADP
hassl-4534	322	3	financial	financial	ADJ
hassl-4534	322	4	economics	economic	NOUN
hassl-4534	322	5	,	,	PUNCT
hassl-4534	322	6	125(1	125(1	NUM
hassl-4534	322	7	)	)	PUNCT
hassl-4534	322	8	,	,	PUNCT
hassl-4534	322	9	182	182	NUM
hassl-4534	322	10	-	-	SYM
hassl-4534	322	11	199	199	NUM
hassl-4534	322	12	.	.	PUNCT
hassl-4534	323	1	https://doi.org/10.1016/j.jfineco.2017.04.011	https://doi.org/10.1016/j.jfineco.2017.04.011	PROPN
hassl-4534	323	2	del	del	PROPN
hassl-4534	323	3	ninno	ninno	NOUN
hassl-4534	323	4	,	,	PUNCT
hassl-4534	323	5	c.	c.	NOUN
hassl-4534	323	6	,	,	PUNCT
hassl-4534	323	7	dorosh	dorosh	PROPN
hassl-4534	323	8	,	,	PUNCT
hassl-4534	323	9	p.	p.	NOUN
hassl-4534	323	10	a.	a.	PROPN
hassl-4534	323	11	,	,	PUNCT
hassl-4534	323	12	&	&	CCONJ
hassl-4534	323	13	smith	smith	PROPN
hassl-4534	323	14	,	,	PUNCT
hassl-4534	323	15	l.	l.	PROPN
hassl-4534	323	16	c.	c.	PROPN
hassl-4534	323	17	(	(	PUNCT
hassl-4534	323	18	2003	2003	NUM
hassl-4534	323	19	)	)	PUNCT
hassl-4534	323	20	.	.	PUNCT
hassl-4534	324	1	public	public	ADJ
hassl-4534	324	2	policy	policy	NOUN
hassl-4534	324	3	,	,	PUNCT
hassl-4534	324	4	markets	market	NOUN
hassl-4534	324	5	and	and	CCONJ
hassl-4534	324	6	household	household	NOUN
hassl-4534	324	7	coping	cope	VERB
hassl-4534	324	8	strategies	strategy	NOUN
hassl-4534	324	9	in	in	ADP
hassl-4534	324	10	bangladesh	bangladesh	NOUN
hassl-4534	324	11	:	:	PUNCT
hassl-4534	324	12	avoiding	avoid	VERB
hassl-4534	324	13	a	a	DET
hassl-4534	324	14	food	food	NOUN
hassl-4534	324	15	security	security	NOUN
hassl-4534	324	16	crisis	crisis	NOUN
hassl-4534	324	17	following	follow	VERB
hassl-4534	324	18	the	the	DET
hassl-4534	324	19	1998	1998	NUM
hassl-4534	324	20	floods	flood	NOUN
hassl-4534	324	21	.	.	PUNCT
hassl-4534	325	1	world	world	NOUN
hassl-4534	325	2	development	development	PROPN
hassl-4534	325	3	,	,	PUNCT
hassl-4534	325	4	31(7	31(7	NUM
hassl-4534	325	5	)	)	PUNCT
hassl-4534	325	6	,	,	PUNCT
hassl-4534	325	7	1221	1221	NUM
hassl-4534	325	8	-	-	SYM
hassl-4534	325	9	1238	1238	NUM
hassl-4534	325	10	.	.	PUNCT
hassl-4534	326	1	https://doi.org/10.1016/s0305-750x(03)00071-8	https://doi.org/10.1016/s0305-750x(03)00071-8	PROPN
hassl-4534	326	2	do	do	VERB
hassl-4534	326	3	,	,	PUNCT
hassl-4534	326	4	q.	q.	PROPN
hassl-4534	326	5	a.	a.	PROPN
hassl-4534	326	6	,	,	PUNCT
hassl-4534	326	7	phan	phan	PROPN
hassl-4534	326	8	,	,	PUNCT
hassl-4534	326	9	v.	v.	PROPN
hassl-4534	326	10	,	,	PUNCT
hassl-4534	326	11	&	&	CCONJ
hassl-4534	326	12	nguyen	nguyen	PROPN
hassl-4534	326	13	,	,	PUNCT
hassl-4534	326	14	d.	d.	PROPN
hassl-4534	326	15	t.	t.	PROPN
hassl-4534	326	16	(	(	PUNCT
hassl-4534	326	17	2022	2022	NUM
hassl-4534	326	18	)	)	PUNCT
hassl-4534	326	19	.	.	PUNCT
hassl-4534	327	1	how	how	SCONJ
hassl-4534	327	2	do	do	AUX
hassl-4534	327	3	local	local	ADJ
hassl-4534	327	4	banks	bank	NOUN
hassl-4534	327	5	respond	respond	VERB
hassl-4534	327	6	to	to	ADP
hassl-4534	327	7	natural	natural	ADJ
hassl-4534	327	8	disasters	disaster	NOUN
hassl-4534	327	9	?	?	PUNCT
hassl-4534	328	1	the	the	DET
hassl-4534	328	2	european	european	PROPN
hassl-4534	328	3	journal	journal	PROPN
hassl-4534	328	4	of	of	ADP
hassl-4534	328	5	finance	finance	NOUN
hassl-4534	328	6	,	,	PUNCT
hassl-4534	328	7	29(7	29(7	PROPN
hassl-4534	328	8	)	)	PUNCT
hassl-4534	328	9	,	,	PUNCT
hassl-4534	328	10	754	754	NUM
hassl-4534	328	11	-	-	SYM
hassl-4534	328	12	779	779	NUM
hassl-4534	328	13	.	.	PUNCT
hassl-4534	329	1	https://doi.org/10.1080/1351847x.2022.2055969	https://doi.org/10.1080/1351847x.2022.2055969	PROPN
hassl-4534	329	2	garmaise	garmaise	PROPN
hassl-4534	329	3	,	,	PUNCT
hassl-4534	329	4	m.	m.	NOUN
hassl-4534	329	5	j.	j.	PROPN
hassl-4534	329	6	,	,	PUNCT
hassl-4534	329	7	&	&	CCONJ
hassl-4534	329	8	moskowitz	moskowitz	PROPN
hassl-4534	329	9	,	,	PUNCT
hassl-4534	329	10	t.	t.	PROPN
hassl-4534	329	11	j.	j.	PROPN
hassl-4534	329	12	(	(	PUNCT
hassl-4534	329	13	2009	2009	NUM
hassl-4534	329	14	)	)	PUNCT
hassl-4534	329	15	.	.	PUNCT
hassl-4534	330	1	catastrophic	catastrophic	ADJ
hassl-4534	330	2	risk	risk	NOUN
hassl-4534	330	3	and	and	CCONJ
hassl-4534	330	4	credit	credit	NOUN
hassl-4534	330	5	markets	market	NOUN
hassl-4534	330	6	.	.	PUNCT
hassl-4534	331	1	the	the	DET
hassl-4534	331	2	journal	journal	NOUN
hassl-4534	331	3	of	of	ADP
hassl-4534	331	4	finance	finance	NOUN
hassl-4534	331	5	,	,	PUNCT
hassl-4534	331	6	64(2	64(2	NUM
hassl-4534	331	7	)	)	PUNCT
hassl-4534	331	8	,	,	PUNCT
hassl-4534	331	9	657	657	NUM
hassl-4534	331	10	-	-	SYM
hassl-4534	331	11	707	707	NUM
hassl-4534	331	12	.	.	PUNCT
hassl-4534	332	1	https://doi.org/10.1111/j.1540-6261.2009.01446.x	https://doi.org/10.1111/j.1540-6261.2009.01446.x	VERB
hassl-4534	332	2	horwich	horwich	NOUN
hassl-4534	332	3	,	,	PUNCT
hassl-4534	332	4	g.	g.	PROPN
hassl-4534	332	5	(	(	PUNCT
hassl-4534	332	6	2000	2000	NUM
hassl-4534	332	7	)	)	PUNCT
hassl-4534	332	8	.	.	PUNCT
hassl-4534	333	1	economic	economic	ADJ
hassl-4534	333	2	lessons	lesson	NOUN
hassl-4534	333	3	of	of	ADP
hassl-4534	333	4	the	the	DET
hassl-4534	333	5	kobe	kobe	PROPN
hassl-4534	333	6	earthquake	earthquake	PROPN
hassl-4534	333	7	.	.	PUNCT
hassl-4534	334	1	economic	economic	ADJ
hassl-4534	334	2	development	development	NOUN
hassl-4534	334	3	and	and	CCONJ
hassl-4534	334	4	culture	culture	NOUN
hassl-4534	334	5	change	change	NOUN
hassl-4534	334	6	,	,	PUNCT
hassl-4534	334	7	48(3	48(3	NOUN
hassl-4534	334	8	)	)	PUNCT
hassl-4534	334	9	,	,	PUNCT
hassl-4534	334	10	521–542	521–542	NUM
hassl-4534	334	11	.	.	PUNCT
hassl-4534	335	1	https://doi.org/10.1086/452609	https://doi.org/10.1086/452609	PROPN
hassl-4534	335	2	isa	isa	PROPN
hassl-4534	335	3	,	,	PUNCT
hassl-4534	335	4	m.	m.	NOUN
hassl-4534	335	5	(	(	PUNCT
hassl-4534	335	6	2006	2006	NUM
hassl-4534	335	7	)	)	PUNCT
hassl-4534	335	8	.	.	PUNCT
hassl-4534	336	1	the	the	DET
hassl-4534	336	2	effects	effect	NOUN
hassl-4534	336	3	of	of	ADP
hassl-4534	336	4	natural	natural	ADJ
hassl-4534	336	5	disasters	disaster	NOUN
hassl-4534	336	6	on	on	ADP
hassl-4534	336	7	financial	financial	ADJ
hassl-4534	336	8	stability	stability	NOUN
hassl-4534	336	9	:	:	PUNCT
hassl-4534	336	10	evidence	evidence	NOUN
hassl-4534	336	11	from	from	ADP
hassl-4534	336	12	emerging	emerge	VERB
hassl-4534	336	13	markets	market	NOUN
hassl-4534	336	14	.	.	PUNCT
hassl-4534	337	1	journal	journal	NOUN
hassl-4534	337	2	of	of	ADP
hassl-4534	337	3	financial	financial	ADJ
hassl-4534	337	4	risk	risk	NOUN
hassl-4534	337	5	management	management	NOUN
hassl-4534	337	6	,	,	PUNCT
hassl-4534	337	7	4(2	4(2	NUM
hassl-4534	337	8	)	)	PUNCT
hassl-4534	337	9	,	,	PUNCT
hassl-4534	337	10	123	123	NUM
hassl-4534	337	11	-	-	SYM
hassl-4534	337	12	145	145	NUM
hassl-4534	337	13	.	.	PUNCT
hassl-4534	338	1	kahn	kahn	PROPN
hassl-4534	338	2	,	,	PUNCT
hassl-4534	338	3	m.	m.	PROPN
hassl-4534	338	4	e.	e.	PROPN
hassl-4534	338	5	(	(	PUNCT
hassl-4534	338	6	2005	2005	NUM
hassl-4534	338	7	)	)	PUNCT
hassl-4534	338	8	.	.	PUNCT
hassl-4534	339	1	the	the	DET
hassl-4534	339	2	death	death	NOUN
hassl-4534	339	3	toll	toll	NOUN
hassl-4534	339	4	from	from	ADP
hassl-4534	339	5	natural	natural	ADJ
hassl-4534	339	6	disasters	disaster	NOUN
hassl-4534	339	7	:	:	PUNCT
hassl-4534	339	8	the	the	DET
hassl-4534	339	9	role	role	NOUN
hassl-4534	339	10	of	of	ADP
hassl-4534	339	11	income	income	NOUN
hassl-4534	339	12	,	,	PUNCT
hassl-4534	339	13	geography	geography	NOUN
hassl-4534	339	14	,	,	PUNCT
hassl-4534	339	15	and	and	CCONJ
hassl-4534	339	16	institutions	institution	NOUN
hassl-4534	339	17	.	.	PUNCT
hassl-4534	340	1	the	the	DET
hassl-4534	340	2	review	review	NOUN
hassl-4534	340	3	of	of	ADP
hassl-4534	340	4	economics	economic	NOUN
hassl-4534	340	5	and	and	CCONJ
hassl-4534	340	6	statistics	statistic	NOUN
hassl-4534	340	7	,	,	PUNCT
hassl-4534	340	8	87(2	87(2	NUM
hassl-4534	340	9	)	)	PUNCT
hassl-4534	340	10	,	,	PUNCT
hassl-4534	340	11	271	271	NUM
hassl-4534	340	12	-	-	SYM
hassl-4534	340	13	284	284	NUM
hassl-4534	340	14	.	.	PUNCT
hassl-4534	341	1	https://doi.org/10.1162/0034653053970339	https://doi.org/10.1162/0034653053970339	PROPN
hassl-4534	341	2	keerthiratne	keerthiratne	PROPN
hassl-4534	341	3	,	,	PUNCT
hassl-4534	341	4	s.	s.	PROPN
hassl-4534	341	5	,	,	PUNCT
hassl-4534	341	6	&	&	CCONJ
hassl-4534	341	7	tol	tol	PROPN
hassl-4534	341	8	,	,	PUNCT
hassl-4534	341	9	r.	r.	PROPN
hassl-4534	341	10	s.	s.	PROPN
hassl-4534	341	11	j.	j.	PROPN
hassl-4534	341	12	(	(	PUNCT
hassl-4534	341	13	2017	2017	NUM
hassl-4534	341	14	)	)	PUNCT
hassl-4534	341	15	.	.	PUNCT
hassl-4534	342	1	impact	impact	NOUN
hassl-4534	342	2	of	of	ADP
hassl-4534	342	3	natural	natural	ADJ
hassl-4534	342	4	disasters	disaster	NOUN
hassl-4534	342	5	on	on	ADP
hassl-4534	342	6	financial	financial	ADJ
hassl-4534	342	7	development	development	NOUN
hassl-4534	342	8	.	.	PUNCT
hassl-4534	343	1	economics	economic	NOUN
hassl-4534	343	2	of	of	ADP
hassl-4534	343	3	disasters	disaster	NOUN
hassl-4534	343	4	and	and	CCONJ
hassl-4534	343	5	climate	climate	NOUN
hassl-4534	343	6	change	change	NOUN
hassl-4534	343	7	,	,	PUNCT
hassl-4534	343	8	1(1	1(1	NUM
hassl-4534	343	9	)	)	PUNCT
hassl-4534	343	10	,	,	PUNCT
hassl-4534	343	11	33	33	NUM
hassl-4534	343	12	-	-	SYM
hassl-4534	343	13	54	54	NUM
hassl-4534	343	14	.	.	PUNCT
hassl-4534	344	1	http://doi.org/10.1007/s41885-017-0002-5	http://doi.org/10.1007/s41885-017-0002-5	NUM
hassl-4534	344	2	klomp	klomp	PROPN
hassl-4534	344	3	,	,	PUNCT
hassl-4534	344	4	j.	j.	PROPN
hassl-4534	344	5	(	(	PUNCT
hassl-4534	344	6	2014	2014	NUM
hassl-4534	344	7	)	)	PUNCT
hassl-4534	344	8	.	.	PUNCT
hassl-4534	345	1	financial	financial	ADJ
hassl-4534	345	2	fragility	fragility	NOUN
hassl-4534	345	3	and	and	CCONJ
hassl-4534	345	4	natural	natural	ADJ
hassl-4534	345	5	disasters	disaster	NOUN
hassl-4534	345	6	:	:	PUNCT
hassl-4534	345	7	an	an	DET
hassl-4534	345	8	empirical	empirical	ADJ
hassl-4534	345	9	analysis	analysis	NOUN
hassl-4534	345	10	.	.	PUNCT
hassl-4534	346	1	journal	journal	NOUN
hassl-4534	346	2	of	of	ADP
hassl-4534	346	3	financial	financial	ADJ
hassl-4534	346	4	stability	stability	NOUN
hassl-4534	346	5	,	,	PUNCT
hassl-4534	346	6	13	13	NUM
hassl-4534	346	7	,	,	PUNCT
hassl-4534	346	8	180	180	NUM
hassl-4534	346	9	-	-	SYM
hassl-4534	346	10	192	192	NUM
hassl-4534	346	11	.	.	PUNCT
hassl-4534	347	1	https://doi.org/10.1016/j.jfs.2014.06.001	https://doi.org/10.1016/j.jfs.2014.06.001	VERB
hassl-4534	347	2	http://dx.doi.org/10.1016/j.econlet.2016.09.023	http://dx.doi.org/10.1016/j.econlet.2016.09.023	PROPN
hassl-4534	347	3	https://doi.org/10.1016/j.qref.2018.12.004	https://doi.org/10.1016/j.qref.2018.12.004	PROPN
hassl-4534	347	4	https://doi.org/10.1162/rest_a_00413	https://doi.org/10.1162/rest_a_00413	PROPN
hassl-4534	348	1	https://doi.org/10.1057/gpp.2013.14	https://doi.org/10.1057/gpp.2013.14	X
hassl-4534	348	2	https://doi.org/10.1016/j.ijdrr.2022.103191	https://doi.org/10.1016/j.ijdrr.2022.103191	PROPN
hassl-4534	348	3	https://doi.org/10.1007/s11069-020-04402-0	https://doi.org/10.1007/s11069-020-04402-0	NUM
hassl-4534	349	1	https://doi.org/10.1016/j.ecosys.2022.101050	https://doi.org/10.1016/j.ecosys.2022.101050	ADJ
hassl-4534	349	2	https://doi.org/10.1016/j.najef.2020.101169	https://doi.org/10.1016/j.najef.2020.101169	PROPN
hassl-4534	349	3	http://doi.org/10.1108/00021461111128183	http://doi.org/10.1108/00021461111128183	PROPN
hassl-4534	349	4	https://doi.org/10.26509/frbc-wp-201428	https://doi.org/10.26509/frbc-wp-201428	PUNCT
hassl-4534	349	5	https://doi.org/10.1016/j.jfineco.2017.04.011	https://doi.org/10.1016/j.jfineco.2017.04.011	PROPN
hassl-4534	349	6	https://doi.org/10.1016/s0305-750x(03)00071-8	https://doi.org/10.1016/s0305-750x(03)00071-8	NOUN
hassl-4534	349	7	https://doi.org/10.1080/1351847x.2022.2055969	https://doi.org/10.1080/1351847x.2022.2055969	X
hassl-4534	349	8	https://doi.org/10.1111/j.1540-6261.2009.01446.x	https://doi.org/10.1111/j.1540-6261.2009.01446.x	VERB
hassl-4534	349	9	https://doi.org/10.1086/452609	https://doi.org/10.1086/452609	PRON
hassl-4534	349	10	https://doi.org/10.1162/0034653053970339	https://doi.org/10.1162/0034653053970339	VERB
hassl-4534	349	11	http://doi.org/10.1007/s41885-017-0002-5	http://doi.org/10.1007/s41885-017-0002-5	NUM
hassl-4534	349	12	https://doi.org/10.1016/j.jfs.2014.06.001	https://doi.org/10.1016/j.jfs.2014.06.001	PROPN
hassl-4534	349	13	humanities	humanity	NOUN
hassl-4534	349	14	and	and	CCONJ
hassl-4534	349	15	social	social	ADJ
hassl-4534	349	16	sciences	science	NOUN
hassl-4534	349	17	letters	letter	NOUN
hassl-4534	349	18	,	,	PUNCT
hassl-4534	349	19	2025	2025	NUM
hassl-4534	349	20	,	,	PUNCT
hassl-4534	349	21	13(4	13(4	NUM
hassl-4534	349	22	):	):	PUNCT
hassl-4534	349	23	1584	1584	NUM
hassl-4534	349	24	-	-	SYM
hassl-4534	349	25	1595	1595	NUM
hassl-4534	349	26	1595	1595	NUM
hassl-4534	349	27	©	©	PROPN
hassl-4534	349	28	2025	2025	NUM
hassl-4534	349	29	conscientia	conscientia	PROPN
hassl-4534	349	30	beam	beam	PROPN
hassl-4534	349	31	.	.	PUNCT
hassl-4534	350	1	all	all	DET
hassl-4534	350	2	rights	right	NOUN
hassl-4534	350	3	reserved	reserve	VERB
hassl-4534	350	4	.	.	PUNCT
hassl-4534	351	1	kousky	kousky	PROPN
hassl-4534	351	2	,	,	PUNCT
hassl-4534	351	3	c.	c.	PROPN
hassl-4534	351	4	(	(	PUNCT
hassl-4534	351	5	2019	2019	NUM
hassl-4534	351	6	)	)	PUNCT
hassl-4534	351	7	.	.	PUNCT
hassl-4534	352	1	the	the	DET
hassl-4534	352	2	role	role	NOUN
hassl-4534	352	3	of	of	ADP
hassl-4534	352	4	natural	natural	ADJ
hassl-4534	352	5	disaster	disaster	NOUN
hassl-4534	352	6	insurance	insurance	NOUN
hassl-4534	352	7	in	in	ADP
hassl-4534	352	8	recovery	recovery	NOUN
hassl-4534	352	9	and	and	CCONJ
hassl-4534	352	10	risk	risk	NOUN
hassl-4534	352	11	reduction	reduction	NOUN
hassl-4534	352	12	.	.	PUNCT
hassl-4534	353	1	annual	annual	ADJ
hassl-4534	353	2	review	review	NOUN
hassl-4534	353	3	of	of	ADP
hassl-4534	353	4	resource	resource	NOUN
hassl-4534	353	5	economics	economic	NOUN
hassl-4534	353	6	,	,	PUNCT
hassl-4534	353	7	11(1	11(1	NUM
hassl-4534	353	8	)	)	PUNCT
hassl-4534	353	9	,	,	PUNCT
hassl-4534	353	10	399	399	NUM
hassl-4534	353	11	-	-	SYM
hassl-4534	353	12	418	418	NUM
hassl-4534	353	13	.	.	PUNCT
hassl-4534	354	1	https://doi.org/10.1146/annurev-resource-100518-094028	https://doi.org/10.1146/annurev-resource-100518-094028	ADJ
hassl-4534	354	2	kousky	kousky	NOUN
hassl-4534	354	3	,	,	PUNCT
hassl-4534	354	4	c.	c.	PROPN
hassl-4534	354	5	,	,	PUNCT
hassl-4534	354	6	palim	palim	NOUN
hassl-4534	354	7	,	,	PUNCT
hassl-4534	354	8	m.	m.	NOUN
hassl-4534	354	9	,	,	PUNCT
hassl-4534	354	10	&	&	CCONJ
hassl-4534	354	11	pan	pan	PROPN
hassl-4534	354	12	,	,	PUNCT
hassl-4534	354	13	y.	y.	PROPN
hassl-4534	354	14	(	(	PUNCT
hassl-4534	354	15	2020	2020	NUM
hassl-4534	354	16	)	)	PUNCT
hassl-4534	354	17	.	.	PUNCT
hassl-4534	355	1	flood	flood	NOUN
hassl-4534	355	2	damage	damage	NOUN
hassl-4534	355	3	and	and	CCONJ
hassl-4534	355	4	mortgage	mortgage	NOUN
hassl-4534	355	5	credit	credit	NOUN
hassl-4534	355	6	risk	risk	NOUN
hassl-4534	355	7	:	:	PUNCT
hassl-4534	355	8	a	a	DET
hassl-4534	355	9	case	case	NOUN
hassl-4534	355	10	study	study	NOUN
hassl-4534	355	11	of	of	ADP
hassl-4534	355	12	hurricane	hurricane	PROPN
hassl-4534	355	13	harvey	harvey	NOUN
hassl-4534	355	14	.	.	PUNCT
hassl-4534	356	1	journal	journal	PROPN
hassl-4534	356	2	of	of	ADP
hassl-4534	356	3	housing	housing	NOUN
hassl-4534	356	4	research	research	NOUN
hassl-4534	356	5	,	,	PUNCT
hassl-4534	356	6	29(sup1	29(sup1	NUM
hassl-4534	356	7	)	)	PUNCT
hassl-4534	356	8	,	,	PUNCT
hassl-4534	356	9	s86	s86	PROPN
hassl-4534	356	10	-	-	PUNCT
hassl-4534	356	11	s120	s120	PROPN
hassl-4534	356	12	.	.	PUNCT
hassl-4534	357	1	https://doi.org/10.1080/10527001.2020.1840131	https://doi.org/10.1080/10527001.2020.1840131	PROPN
hassl-4534	357	2	linnerooth	linnerooth	NOUN
hassl-4534	357	3	-	-	PUNCT
hassl-4534	357	4	bayer	bayer	PROPN
hassl-4534	357	5	,	,	PUNCT
hassl-4534	357	6	j.	j.	PROPN
hassl-4534	357	7	,	,	PUNCT
hassl-4534	357	8	mechler	mechler	PROPN
hassl-4534	357	9	,	,	PUNCT
hassl-4534	357	10	r.	r.	PROPN
hassl-4534	357	11	,	,	PUNCT
hassl-4534	357	12	&	&	CCONJ
hassl-4534	357	13	hochrainer	hochrainer	PROPN
hassl-4534	357	14	,	,	PUNCT
hassl-4534	357	15	s.	s.	PROPN
hassl-4534	357	16	(	(	PUNCT
hassl-4534	357	17	2011	2011	NUM
hassl-4534	357	18	)	)	PUNCT
hassl-4534	357	19	.	.	PUNCT
hassl-4534	358	1	insurance	insurance	NOUN
hassl-4534	358	2	against	against	ADP
hassl-4534	358	3	losses	loss	NOUN
hassl-4534	358	4	from	from	ADP
hassl-4534	358	5	natural	natural	ADJ
hassl-4534	358	6	disasters	disaster	NOUN
hassl-4534	358	7	in	in	ADP
hassl-4534	358	8	developing	develop	VERB
hassl-4534	358	9	countries	country	NOUN
hassl-4534	358	10	.	.	PUNCT
hassl-4534	359	1	evidence	evidence	NOUN
hassl-4534	359	2	,	,	PUNCT
hassl-4534	359	3	gaps	gap	NOUN
hassl-4534	359	4	and	and	CCONJ
hassl-4534	359	5	the	the	DET
hassl-4534	359	6	way	way	NOUN
hassl-4534	359	7	forward	forward	ADV
hassl-4534	359	8	.	.	PUNCT
hassl-4534	360	1	idrim	idrim	PROPN
hassl-4534	360	2	journal	journal	PROPN
hassl-4534	360	3	,	,	PUNCT
hassl-4534	360	4	1(1	1(1	NUM
hassl-4534	360	5	)	)	PUNCT
hassl-4534	360	6	,	,	PUNCT
hassl-4534	360	7	59	59	NUM
hassl-4534	360	8	-	-	SYM
hassl-4534	360	9	81	81	NUM
hassl-4534	360	10	.	.	PUNCT
hassl-4534	361	1	http://doi.org/10.5595/idrim.2011.0013	http://doi.org/10.5595/idrim.2011.0013	PROPN
hassl-4534	361	2	liu	liu	PROPN
hassl-4534	361	3	,	,	PUNCT
hassl-4534	361	4	x.	x.	PROPN
hassl-4534	361	5	,	,	PUNCT
hassl-4534	361	6	tang	tang	PROPN
hassl-4534	361	7	,	,	PUNCT
hassl-4534	361	8	y.	y.	PROPN
hassl-4534	361	9	,	,	PUNCT
hassl-4534	361	10	ge	ge	PROPN
hassl-4534	361	11	,	,	PUNCT
hassl-4534	361	12	j.	j.	PROPN
hassl-4534	361	13	,	,	PUNCT
hassl-4534	361	14	&	&	CCONJ
hassl-4534	361	15	miranda	miranda	PROPN
hassl-4534	361	16	,	,	PUNCT
hassl-4534	361	17	m.	m.	NOUN
hassl-4534	361	18	j.	j.	PROPN
hassl-4534	361	19	(	(	PUNCT
hassl-4534	361	20	2019	2019	NUM
hassl-4534	361	21	)	)	PUNCT
hassl-4534	361	22	.	.	PUNCT
hassl-4534	362	1	does	do	AUX
hassl-4534	362	2	experience	experience	VERB
hassl-4534	362	3	with	with	ADP
hassl-4534	362	4	natural	natural	ADJ
hassl-4534	362	5	disasters	disaster	NOUN
hassl-4534	362	6	affect	affect	VERB
hassl-4534	362	7	willingness	willingness	NOUN
hassl-4534	362	8	-	-	PUNCT
hassl-4534	362	9	to	to	PART
hassl-4534	362	10	-	-	PUNCT
hassl-4534	362	11	pay	pay	VERB
hassl-4534	362	12	for	for	ADP
hassl-4534	362	13	weather	weather	NOUN
hassl-4534	362	14	index	index	NOUN
hassl-4534	362	15	insurance	insurance	NOUN
hassl-4534	362	16	?	?	PUNCT
hassl-4534	363	1	evidence	evidence	NOUN
hassl-4534	363	2	from	from	ADP
hassl-4534	363	3	china	china	PROPN
hassl-4534	363	4	.	.	PUNCT
hassl-4534	364	1	international	international	ADJ
hassl-4534	364	2	journal	journal	PROPN
hassl-4534	364	3	of	of	ADP
hassl-4534	364	4	disaster	disaster	NOUN
hassl-4534	364	5	risk	risk	NOUN
hassl-4534	364	6	reduction	reduction	NOUN
hassl-4534	364	7	,	,	PUNCT
hassl-4534	364	8	33	33	NUM
hassl-4534	364	9	,	,	PUNCT
hassl-4534	364	10	33	33	NUM
hassl-4534	364	11	-	-	SYM
hassl-4534	364	12	43	43	NUM
hassl-4534	364	13	.	.	PUNCT
hassl-4534	365	1	https://doi.org/10.1016/j.ijdrr.2018.09.006	https://doi.org/10.1016/j.ijdrr.2018.09.006	NOUN
hassl-4534	365	2	loukil	loukil	NOUN
hassl-4534	365	3	,	,	PUNCT
hassl-4534	365	4	s.	s.	PROPN
hassl-4534	365	5	,	,	PUNCT
hassl-4534	365	6	&	&	CCONJ
hassl-4534	365	7	jarboui	jarboui	PROPN
hassl-4534	365	8	,	,	PUNCT
hassl-4534	365	9	a.	a.	NOUN
hassl-4534	365	10	(	(	PUNCT
hassl-4534	365	11	2016	2016	NUM
hassl-4534	365	12	)	)	PUNCT
hassl-4534	365	13	.	.	PUNCT
hassl-4534	366	1	empirical	empirical	ADJ
hassl-4534	366	2	determinants	determinant	NOUN
hassl-4534	366	3	of	of	ADP
hassl-4534	366	4	relationship	relationship	NOUN
hassl-4534	366	5	lending	lending	NOUN
hassl-4534	366	6	.	.	PUNCT
hassl-4534	367	1	cogent	cogent	NOUN
hassl-4534	367	2	economics	economics	PROPN
hassl-4534	367	3	&	&	CCONJ
hassl-4534	367	4	finance	finance	PROPN
hassl-4534	367	5	,	,	PUNCT
hassl-4534	367	6	4(1	4(1	NOUN
hassl-4534	367	7	)	)	PUNCT
hassl-4534	367	8	,	,	PUNCT
hassl-4534	367	9	1163773	1163773	NUM
hassl-4534	367	10	.	.	PUNCT
hassl-4534	368	1	https://doi.org/10.1080/23322039.2016.1163773	https://doi.org/10.1080/23322039.2016.1163773	PROPN
hassl-4534	368	2	miao	miao	PROPN
hassl-4534	368	3	,	,	PUNCT
hassl-4534	368	4	q.	q.	PROPN
hassl-4534	368	5	,	,	PUNCT
hassl-4534	368	6	hou	hou	PROPN
hassl-4534	368	7	,	,	PUNCT
hassl-4534	368	8	y.	y.	PROPN
hassl-4534	368	9	,	,	PUNCT
hassl-4534	368	10	&	&	CCONJ
hassl-4534	368	11	abrigo	abrigo	PROPN
hassl-4534	368	12	,	,	PUNCT
hassl-4534	368	13	m.	m.	NOUN
hassl-4534	368	14	(	(	PUNCT
hassl-4534	368	15	2018	2018	NUM
hassl-4534	368	16	)	)	PUNCT
hassl-4534	368	17	.	.	PUNCT
hassl-4534	369	1	measuring	measure	VERB
hassl-4534	369	2	the	the	DET
hassl-4534	369	3	financial	financial	ADJ
hassl-4534	369	4	shocks	shock	NOUN
hassl-4534	369	5	of	of	ADP
hassl-4534	369	6	natural	natural	ADJ
hassl-4534	369	7	disasters	disaster	NOUN
hassl-4534	369	8	:	:	PUNCT
hassl-4534	369	9	a	a	DET
hassl-4534	369	10	panel	panel	NOUN
hassl-4534	369	11	study	study	NOUN
hassl-4534	369	12	of	of	ADP
hassl-4534	369	13	us	us	PROPN
hassl-4534	369	14	states	state	NOUN
hassl-4534	369	15	.	.	PUNCT
hassl-4534	370	1	national	national	ADJ
hassl-4534	370	2	tax	tax	PROPN
hassl-4534	370	3	journal	journal	PROPN
hassl-4534	370	4	,	,	PUNCT
hassl-4534	370	5	71(1	71(1	NUM
hassl-4534	370	6	)	)	PUNCT
hassl-4534	370	7	,	,	PUNCT
hassl-4534	370	8	11	11	NUM
hassl-4534	370	9	-	-	SYM
hassl-4534	370	10	44	44	NUM
hassl-4534	370	11	.	.	PUNCT
hassl-4534	371	1	http://doi.org/10.17310/ntj.2018.1.01	http://doi.org/10.17310/ntj.2018.1.01	NOUN
hassl-4534	371	2	paleari	paleari	NOUN
hassl-4534	371	3	,	,	PUNCT
hassl-4534	371	4	s.	s.	PROPN
hassl-4534	371	5	(	(	PUNCT
hassl-4534	371	6	2019	2019	NUM
hassl-4534	371	7	)	)	PUNCT
hassl-4534	371	8	.	.	PUNCT
hassl-4534	372	1	disaster	disaster	NOUN
hassl-4534	372	2	risk	risk	NOUN
hassl-4534	372	3	insurance	insurance	NOUN
hassl-4534	372	4	:	:	PUNCT
hassl-4534	372	5	a	a	DET
hassl-4534	372	6	comparison	comparison	NOUN
hassl-4534	372	7	of	of	ADP
hassl-4534	372	8	national	national	ADJ
hassl-4534	372	9	schemes	scheme	NOUN
hassl-4534	372	10	in	in	ADP
hassl-4534	372	11	the	the	DET
hassl-4534	372	12	eu-28	eu-28	ADJ
hassl-4534	372	13	.	.	PUNCT
hassl-4534	373	1	international	international	ADJ
hassl-4534	373	2	journal	journal	NOUN
hassl-4534	373	3	of	of	ADP
hassl-4534	373	4	disaster	disaster	NOUN
hassl-4534	373	5	risk	risk	NOUN
hassl-4534	373	6	reduction	reduction	NOUN
hassl-4534	373	7	,	,	PUNCT
hassl-4534	373	8	35	35	NUM
hassl-4534	373	9	,	,	PUNCT
hassl-4534	373	10	101059	101059	NUM
hassl-4534	373	11	.	.	PUNCT
hassl-4534	374	1	https://doi.org/10.1016/j.ijdrr.2018.12.021	https://doi.org/10.1016/j.ijdrr.2018.12.021	PROPN
hassl-4534	374	2	petersen	petersen	PROPN
hassl-4534	374	3	,	,	PUNCT
hassl-4534	374	4	m.	m.	NOUN
hassl-4534	374	5	a.	a.	NOUN
hassl-4534	374	6	(	(	PUNCT
hassl-4534	374	7	2009	2009	NUM
hassl-4534	374	8	)	)	PUNCT
hassl-4534	374	9	.	.	PUNCT
hassl-4534	375	1	estimating	estimate	VERB
hassl-4534	375	2	standard	standard	ADJ
hassl-4534	375	3	errors	error	NOUN
hassl-4534	375	4	in	in	ADP
hassl-4534	375	5	finance	finance	NOUN
hassl-4534	375	6	panel	panel	NOUN
hassl-4534	375	7	data	datum	NOUN
hassl-4534	375	8	sets	set	NOUN
hassl-4534	375	9	:	:	PUNCT
hassl-4534	375	10	comparing	compare	VERB
hassl-4534	375	11	approaches	approach	NOUN
hassl-4534	375	12	.	.	PUNCT
hassl-4534	376	1	the	the	DET
hassl-4534	376	2	review	review	NOUN
hassl-4534	376	3	of	of	ADP
hassl-4534	376	4	financial	financial	ADJ
hassl-4534	376	5	studies	study	NOUN
hassl-4534	376	6	,	,	PUNCT
hassl-4534	376	7	22(1	22(1	NUM
hassl-4534	376	8	)	)	PUNCT
hassl-4534	376	9	,	,	PUNCT
hassl-4534	376	10	435	435	NUM
hassl-4534	376	11	-	-	SYM
hassl-4534	376	12	480	480	NUM
hassl-4534	376	13	.	.	PUNCT
hassl-4534	377	1	https://doi.org/10.1093/rfs/hhn053	https://doi.org/10.1093/rfs/hhn053	PROPN
hassl-4534	377	2	sawada	sawada	NOUN
hassl-4534	377	3	,	,	PUNCT
hassl-4534	377	4	y.	y.	PROPN
hassl-4534	377	5	,	,	PUNCT
hassl-4534	377	6	&	&	CCONJ
hassl-4534	377	7	shimizutani	shimizutani	PROPN
hassl-4534	377	8	,	,	PUNCT
hassl-4534	377	9	s.	s.	PROPN
hassl-4534	377	10	(	(	PUNCT
hassl-4534	377	11	2008	2008	NUM
hassl-4534	377	12	)	)	PUNCT
hassl-4534	377	13	.	.	PUNCT
hassl-4534	378	1	how	how	SCONJ
hassl-4534	378	2	do	do	AUX
hassl-4534	378	3	people	people	NOUN
hassl-4534	378	4	cope	cope	VERB
hassl-4534	378	5	with	with	ADP
hassl-4534	378	6	natural	natural	ADJ
hassl-4534	378	7	disasters	disaster	NOUN
hassl-4534	378	8	?	?	PUNCT
hassl-4534	379	1	evidence	evidence	NOUN
hassl-4534	379	2	from	from	ADP
hassl-4534	379	3	the	the	DET
hassl-4534	379	4	great	great	ADJ
hassl-4534	379	5	hanshin‐awaji	hanshin‐awaji	PROPN
hassl-4534	379	6	(	(	PUNCT
hassl-4534	379	7	kobe	kobe	NOUN
hassl-4534	379	8	)	)	PUNCT
hassl-4534	379	9	earthquake	earthquake	NOUN
hassl-4534	379	10	in	in	ADP
hassl-4534	379	11	1995	1995	NUM
hassl-4534	379	12	.	.	PUNCT
hassl-4534	380	1	journal	journal	NOUN
hassl-4534	380	2	of	of	ADP
hassl-4534	380	3	money	money	NOUN
hassl-4534	380	4	,	,	PUNCT
hassl-4534	380	5	credit	credit	NOUN
hassl-4534	380	6	and	and	CCONJ
hassl-4534	380	7	banking	banking	NOUN
hassl-4534	380	8	,	,	PUNCT
hassl-4534	380	9	40(2‐3	40(2‐3	NUM
hassl-4534	380	10	)	)	PUNCT
hassl-4534	380	11	,	,	PUNCT
hassl-4534	380	12	463	463	NUM
hassl-4534	380	13	-	-	SYM
hassl-4534	380	14	488	488	NUM
hassl-4534	380	15	.	.	PUNCT
hassl-4534	381	1	http://doi.org/10.1111/j.15384616.2008.00122.x	http://doi.org/10.1111/j.15384616.2008.00122.x	X
hassl-4534	381	2	schüwer	schüwer	NOUN
hassl-4534	381	3	,	,	PUNCT
hassl-4534	381	4	u.	u.	PROPN
hassl-4534	381	5	,	,	PUNCT
hassl-4534	381	6	lambert	lambert	PROPN
hassl-4534	381	7	,	,	PUNCT
hassl-4534	381	8	c.	c.	PROPN
hassl-4534	381	9	,	,	PUNCT
hassl-4534	381	10	&	&	CCONJ
hassl-4534	381	11	noth	noth	PROPN
hassl-4534	381	12	,	,	PUNCT
hassl-4534	381	13	f.	f.	PROPN
hassl-4534	381	14	(	(	PUNCT
hassl-4534	381	15	2019	2019	NUM
hassl-4534	381	16	)	)	PUNCT
hassl-4534	381	17	.	.	PUNCT
hassl-4534	382	1	how	how	SCONJ
hassl-4534	382	2	do	do	AUX
hassl-4534	382	3	banks	bank	NOUN
hassl-4534	382	4	react	react	VERB
hassl-4534	382	5	to	to	ADP
hassl-4534	382	6	catastrophic	catastrophic	ADJ
hassl-4534	382	7	events	event	NOUN
hassl-4534	382	8	?	?	PUNCT
hassl-4534	383	1	evidence	evidence	NOUN
hassl-4534	383	2	from	from	ADP
hassl-4534	383	3	hurricane	hurricane	PROPN
hassl-4534	383	4	katrina	katrina	PROPN
hassl-4534	383	5	.	.	PUNCT
hassl-4534	384	1	review	review	NOUN
hassl-4534	384	2	of	of	ADP
hassl-4534	384	3	finance	finance	NOUN
hassl-4534	384	4	,	,	PUNCT
hassl-4534	384	5	23(1	23(1	NUM
hassl-4534	384	6	)	)	PUNCT
hassl-4534	384	7	,	,	PUNCT
hassl-4534	384	8	75	75	NUM
hassl-4534	384	9	-	-	SYM
hassl-4534	384	10	116	116	NUM
hassl-4534	384	11	.	.	PUNCT
hassl-4534	385	1	https://doi.org/10.1093/rof/rfy010	https://doi.org/10.1093/rof/rfy010	PROPN
hassl-4534	385	2	sun	sun	PROPN
hassl-4534	385	3	,	,	PUNCT
hassl-4534	385	4	j.	j.	PROPN
hassl-4534	385	5	,	,	PUNCT
hassl-4534	385	6	wang	wang	PROPN
hassl-4534	385	7	,	,	PUNCT
hassl-4534	385	8	x.	x.	PROPN
hassl-4534	385	9	,	,	PUNCT
hassl-4534	385	10	&	&	CCONJ
hassl-4534	385	11	zhang	zhang	PROPN
hassl-4534	385	12	,	,	PUNCT
hassl-4534	385	13	y.	y.	PROPN
hassl-4534	385	14	(	(	PUNCT
hassl-4534	385	15	2018	2018	NUM
hassl-4534	385	16	)	)	PUNCT
hassl-4534	385	17	.	.	PUNCT
hassl-4534	386	1	correlations	correlation	NOUN
hassl-4534	386	2	between	between	ADP
hassl-4534	386	3	consumer	consumer	NOUN
hassl-4534	386	4	behavior	behavior	NOUN
hassl-4534	386	5	and	and	CCONJ
hassl-4534	386	6	store	store	NOUN
hassl-4534	386	7	choice	choice	NOUN
hassl-4534	386	8	:	:	PUNCT
hassl-4534	386	9	a	a	DET
hassl-4534	386	10	theoretical	theoretical	ADJ
hassl-4534	386	11	and	and	CCONJ
hassl-4534	386	12	empirical	empirical	ADJ
hassl-4534	386	13	analysis	analysis	NOUN
hassl-4534	386	14	.	.	PUNCT
hassl-4534	387	1	journal	journal	NOUN
hassl-4534	387	2	of	of	ADP
hassl-4534	387	3	retailing	retailing	NOUN
hassl-4534	387	4	and	and	CCONJ
hassl-4534	387	5	consumer	consumer	NOUN
hassl-4534	387	6	services	service	NOUN
hassl-4534	387	7	,	,	PUNCT
hassl-4534	387	8	44	44	NUM
hassl-4534	387	9	,	,	PUNCT
hassl-4534	387	10	36	36	NUM
hassl-4534	387	11	-	-	SYM
hassl-4534	387	12	45	45	NUM
hassl-4534	387	13	.	.	PUNCT
hassl-4534	388	1	surminski	surminski	PROPN
hassl-4534	388	2	,	,	PUNCT
hassl-4534	388	3	s.	s.	PROPN
hassl-4534	388	4	,	,	PUNCT
hassl-4534	388	5	aerts	aert	NOUN
hassl-4534	388	6	,	,	PUNCT
hassl-4534	388	7	j.	j.	PROPN
hassl-4534	388	8	,	,	PUNCT
hassl-4534	388	9	botzen	botzen	PROPN
hassl-4534	388	10	,	,	PUNCT
hassl-4534	388	11	w.	w.	PROPN
hassl-4534	388	12	,	,	PUNCT
hassl-4534	388	13	hudson	hudson	PROPN
hassl-4534	388	14	,	,	PUNCT
hassl-4534	388	15	p.	p.	PROPN
hassl-4534	388	16	,	,	PUNCT
hassl-4534	388	17	mysiak	mysiak	PROPN
hassl-4534	388	18	,	,	PUNCT
hassl-4534	388	19	j.	j.	PROPN
hassl-4534	388	20	,	,	PUNCT
hassl-4534	388	21	&	&	CCONJ
hassl-4534	388	22	pérez	pérez	PROPN
hassl-4534	388	23	-	-	PUNCT
hassl-4534	388	24	blanco	blanco	PROPN
hassl-4534	388	25	,	,	PUNCT
hassl-4534	388	26	c.	c.	PROPN
hassl-4534	388	27	d.	d.	PROPN
hassl-4534	388	28	(	(	PUNCT
hassl-4534	388	29	2014	2014	NUM
hassl-4534	388	30	)	)	PUNCT
hassl-4534	388	31	.	.	PUNCT
hassl-4534	389	1	reflection	reflection	NOUN
hassl-4534	389	2	on	on	ADP
hassl-4534	389	3	the	the	DET
hassl-4534	389	4	current	current	ADJ
hassl-4534	389	5	debate	debate	NOUN
hassl-4534	389	6	on	on	ADP
hassl-4534	389	7	how	how	SCONJ
hassl-4534	389	8	to	to	PART
hassl-4534	389	9	link	link	VERB
hassl-4534	389	10	flood	flood	NOUN
hassl-4534	389	11	insurance	insurance	NOUN
hassl-4534	389	12	and	and	CCONJ
hassl-4534	389	13	disaster	disaster	NOUN
hassl-4534	389	14	risk	risk	NOUN
hassl-4534	389	15	reduction	reduction	NOUN
hassl-4534	389	16	in	in	ADP
hassl-4534	389	17	the	the	DET
hassl-4534	389	18	european	european	PROPN
hassl-4534	389	19	union	union	PROPN
hassl-4534	389	20	.	.	PUNCT
hassl-4534	390	1	centre	centre	NOUN
hassl-4534	390	2	for	for	ADP
hassl-4534	390	3	climate	climate	NOUN
hassl-4534	390	4	change	change	NOUN
hassl-4534	390	5	economics	economic	NOUN
hassl-4534	390	6	and	and	CCONJ
hassl-4534	390	7	policy	policy	NOUN
hassl-4534	390	8	,	,	PUNCT
hassl-4534	390	9	working	working	NOUN
hassl-4534	390	10	paper	paper	NOUN
hassl-4534	390	11	no	no	INTJ
hassl-4534	390	12	.	.	PUNCT
hassl-4534	391	1	184	184	NUM
hassl-4534	391	2	.	.	PUNCT
hassl-4534	392	1	grantham	grantham	PROPN
hassl-4534	392	2	research	research	PROPN
hassl-4534	392	3	institute	institute	PROPN
hassl-4534	392	4	on	on	ADP
hassl-4534	392	5	climate	climate	NOUN
hassl-4534	392	6	change	change	NOUN
hassl-4534	392	7	and	and	CCONJ
hassl-4534	392	8	the	the	DET
hassl-4534	392	9	environment	environment	NOUN
hassl-4534	392	10	,	,	PUNCT
hassl-4534	392	11	working	work	VERB
hassl-4534	392	12	paper	paper	NOUN
hassl-4534	392	13	no	no	INTJ
hassl-4534	392	14	.	.	PROPN
hassl-4534	392	15	162	162	NUM
hassl-4534	392	16	.	.	PUNCT
hassl-4534	393	1	united	united	PROPN
hassl-4534	393	2	nations	nations	PROPN
hassl-4534	393	3	international	international	ADJ
hassl-4534	393	4	strategy	strategy	NOUN
hassl-4534	393	5	for	for	ADP
hassl-4534	393	6	disaster	disaster	NOUN
hassl-4534	393	7	reduction	reduction	NOUN
hassl-4534	393	8	(	(	PUNCT
hassl-4534	393	9	unsdr	unsdr	NOUN
hassl-4534	393	10	)	)	PUNCT
hassl-4534	393	11	.	.	PUNCT
hassl-4534	394	1	(	(	PUNCT
hassl-4534	394	2	2009	2009	NUM
hassl-4534	394	3	)	)	PUNCT
hassl-4534	394	4	.	.	PUNCT
hassl-4534	395	1	unisdr	unisdr	ADJ
hassl-4534	395	2	terminology	terminology	NOUN
hassl-4534	395	3	on	on	ADP
hassl-4534	395	4	disaster	disaster	NOUN
hassl-4534	395	5	risk	risk	NOUN
hassl-4534	395	6	reduction	reduction	NOUN
hassl-4534	395	7	.	.	PUNCT
hassl-4534	396	1	retrieved	retrieve	VERB
hassl-4534	396	2	from	from	ADP
hassl-4534	396	3	https://www.undrr.org/publication/2009-unisdr-terminology-disaster-risk-reduction	https://www.undrr.org/publication/2009-unisdr-terminology-disaster-risk-reduction	NOUN
hassl-4534	396	4	utomo	utomo	NOUN
hassl-4534	396	5	,	,	PUNCT
hassl-4534	396	6	d.	d.	PROPN
hassl-4534	396	7	d.	d.	PROPN
hassl-4534	396	8	,	,	PUNCT
hassl-4534	396	9	&	&	CCONJ
hassl-4534	396	10	marta	marta	PROPN
hassl-4534	396	11	,	,	PUNCT
hassl-4534	396	12	f.	f.	PROPN
hassl-4534	396	13	y.	y.	PROPN
hassl-4534	396	14	d.	d.	PROPN
hassl-4534	396	15	(	(	PUNCT
hassl-4534	396	16	2022	2022	NUM
hassl-4534	396	17	)	)	PUNCT
hassl-4534	396	18	.	.	PUNCT
hassl-4534	397	1	the	the	DET
hassl-4534	397	2	impact	impact	NOUN
hassl-4534	397	3	of	of	ADP
hassl-4534	397	4	natural	natural	ADJ
hassl-4534	397	5	disasters	disaster	NOUN
hassl-4534	397	6	on	on	ADP
hassl-4534	397	7	the	the	DET
hassl-4534	397	8	economy	economy	NOUN
hassl-4534	397	9	of	of	ADP
hassl-4534	397	10	the	the	DET
hassl-4534	397	11	community	community	NOUN
hassl-4534	397	12	in	in	ADP
hassl-4534	397	13	tanah	tanah	PROPN
hassl-4534	397	14	datar	datar	PROPN
hassl-4534	397	15	district	district	PROPN
hassl-4534	397	16	.	.	PUNCT
hassl-4534	398	1	jurnal	jurnal	PROPN
hassl-4534	398	2	terapan	terapan	PROPN
hassl-4534	398	3	pemerintahan	pemerintahan	PROPN
hassl-4534	398	4	minangkabau	minangkabau	NOUN
hassl-4534	398	5	,	,	PUNCT
hassl-4534	398	6	2(1	2(1	NUM
hassl-4534	398	7	)	)	PUNCT
hassl-4534	398	8	,	,	PUNCT
hassl-4534	398	9	92	92	NUM
hassl-4534	398	10	-	-	SYM
hassl-4534	398	11	97	97	NUM
hassl-4534	398	12	.	.	PUNCT
hassl-4534	399	1	vu	vu	PROPN
hassl-4534	399	2	,	,	PUNCT
hassl-4534	399	3	t.	t.	PROPN
hassl-4534	399	4	b.	b.	PROPN
hassl-4534	399	5	,	,	PUNCT
hassl-4534	399	6	&	&	CCONJ
hassl-4534	399	7	noy	noy	PROPN
hassl-4534	399	8	,	,	PUNCT
hassl-4534	399	9	i.	i.	PROPN
hassl-4534	399	10	(	(	PUNCT
hassl-4534	399	11	2015	2015	NUM
hassl-4534	399	12	)	)	PUNCT
hassl-4534	399	13	.	.	PUNCT
hassl-4534	400	1	regional	regional	ADJ
hassl-4534	400	2	effects	effect	NOUN
hassl-4534	400	3	of	of	ADP
hassl-4534	400	4	natural	natural	ADJ
hassl-4534	400	5	disasters	disaster	NOUN
hassl-4534	400	6	in	in	ADP
hassl-4534	400	7	china	china	PROPN
hassl-4534	400	8	:	:	PUNCT
hassl-4534	400	9	investing	invest	VERB
hassl-4534	400	10	in	in	ADP
hassl-4534	400	11	post	post	ADJ
hassl-4534	400	12	-	-	ADJ
hassl-4534	400	13	disaster	disaster	ADJ
hassl-4534	400	14	recovery	recovery	NOUN
hassl-4534	400	15	.	.	PUNCT
hassl-4534	401	1	natural	natural	ADJ
hassl-4534	401	2	hazards	hazard	NOUN
hassl-4534	401	3	,	,	PUNCT
hassl-4534	401	4	75	75	NUM
hassl-4534	401	5	,	,	PUNCT
hassl-4534	401	6	111	111	NUM
hassl-4534	401	7	-	-	SYM
hassl-4534	401	8	126	126	NUM
hassl-4534	401	9	.	.	PUNCT
hassl-4534	402	1	http://doi.org/10.1007/s11069-014-1274-5	http://doi.org/10.1007/s11069-014-1274-5	PROPN
hassl-4534	402	2	views	view	NOUN
hassl-4534	402	3	and	and	CCONJ
hassl-4534	402	4	opinions	opinion	NOUN
hassl-4534	402	5	expressed	express	VERB
hassl-4534	402	6	in	in	ADP
hassl-4534	402	7	this	this	DET
hassl-4534	402	8	article	article	NOUN
hassl-4534	402	9	are	be	AUX
hassl-4534	402	10	the	the	DET
hassl-4534	402	11	views	view	NOUN
hassl-4534	402	12	and	and	CCONJ
hassl-4534	402	13	opinions	opinion	NOUN
hassl-4534	402	14	of	of	ADP
hassl-4534	402	15	the	the	DET
hassl-4534	402	16	author(s	author(s	NOUN
hassl-4534	402	17	)	)	PUNCT
hassl-4534	402	18	,	,	PUNCT
hassl-4534	402	19	humanities	humanity	NOUN
hassl-4534	402	20	and	and	CCONJ
hassl-4534	402	21	social	social	ADJ
hassl-4534	402	22	sciences	science	NOUN
hassl-4534	402	23	letters	letter	NOUN
hassl-4534	402	24	shall	shall	AUX
hassl-4534	402	25	not	not	PART
hassl-4534	402	26	be	be	AUX
hassl-4534	402	27	responsible	responsible	ADJ
hassl-4534	402	28	or	or	CCONJ
hassl-4534	402	29	answerable	answerable	ADJ
hassl-4534	402	30	for	for	ADP
hassl-4534	402	31	any	any	DET
hassl-4534	402	32	loss	loss	NOUN
hassl-4534	402	33	,	,	PUNCT
hassl-4534	402	34	damage	damage	NOUN
hassl-4534	402	35	or	or	CCONJ
hassl-4534	402	36	liability	liability	NOUN
hassl-4534	402	37	etc	etc	X
hassl-4534	402	38	.	.	X
hassl-4534	403	1	caused	cause	VERB
hassl-4534	403	2	in	in	ADP
hassl-4534	403	3	relation	relation	NOUN
hassl-4534	403	4	to	to	PART
hassl-4534	403	5	/	/	PUNCT
hassl-4534	403	6	arising	arise	VERB
hassl-4534	403	7	out	out	ADP
hassl-4534	403	8	of	of	ADP
hassl-4534	403	9	the	the	DET
hassl-4534	403	10	use	use	NOUN
hassl-4534	403	11	of	of	ADP
hassl-4534	403	12	the	the	DET
hassl-4534	403	13	content	content	NOUN
hassl-4534	403	14	.	.	PUNCT
hassl-4534	404	1	https://doi.org/10.1146/annurev-resource-100518-094028	https://doi.org/10.1146/annurev-resource-100518-094028	PROPN
hassl-4534	404	2	https://doi.org/10.1080/10527001.2020.1840131	https://doi.org/10.1080/10527001.2020.1840131	PROPN
hassl-4534	405	1	http://doi.org/10.5595/idrim.2011.0013	http://doi.org/10.5595/idrim.2011.0013	PROPN
hassl-4534	405	2	https://doi.org/10.1016/j.ijdrr.2018.09.006	https://doi.org/10.1016/j.ijdrr.2018.09.006	PROPN
hassl-4534	405	3	https://doi.org/10.1080/23322039.2016.1163773	https://doi.org/10.1080/23322039.2016.1163773	PROPN
hassl-4534	406	1	http://doi.org/10.17310/ntj.2018.1.01	http://doi.org/10.17310/ntj.2018.1.01	PROPN
hassl-4534	406	2	https://doi.org/10.1016/j.ijdrr.2018.12.021	https://doi.org/10.1016/j.ijdrr.2018.12.021	NOUN
hassl-4534	407	1	https://doi.org/10.1093/rfs/hhn053	https://doi.org/10.1093/rfs/hhn053	ADV
hassl-4534	407	2	http://doi.org/10.1111/j.1538-4616.2008.00122.x	http://doi.org/10.1111/j.1538-4616.2008.00122.x	NOUN
hassl-4534	407	3	http://doi.org/10.1111/j.1538-4616.2008.00122.x	http://doi.org/10.1111/j.1538-4616.2008.00122.x	PROPN
hassl-4534	407	4	https://doi.org/10.1093/rof/rfy010	https://doi.org/10.1093/rof/rfy010	PROPN
hassl-4534	407	5	https://www.undrr.org/publication/2009-unisdr-terminology-disaster-risk-reduction	https://www.undrr.org/publication/2009-unisdr-terminology-disaster-risk-reduction	PROPN
hassl-4534	407	6	http://doi.org/10.1007/s11069-014-1274-5	http://doi.org/10.1007/s11069-014-1274-5	NOUN