id	keyword
hassl-4380	students
hassl-4380	literacy
hassl-4380	university
hassl-4380	behavior
hassl-4380	impact
hassl-4380	research
hassl-4380	investment
hassl-4380	saving
hassl-4380	hanoi
hassl-4380	journal
hassl-4380	consumption
hassl-4380	decisions
hassl-4380	study