id	sid	tid	token	lemma	pos
inlawrev-18339	1	1	i:\28947	i:\28947	PROPN
inlawrev-18339	1	2	ind	ind	PROPN
inlawrev-18339	1	3	law	law	NOUN
inlawrev-18339	1	4	rev	rev	VERB
inlawrev-18339	1	5	47	47	NUM
inlawrev-18339	1	6	-	-	SYM
inlawrev-18339	1	7	1\47masthead.wpd	1\47masthead.wpd	NUM
inlawrev-18339	1	8	perspectives	perspective	NOUN
inlawrev-18339	1	9	on	on	ADP
inlawrev-18339	1	10	the	the	DET
inlawrev-18339	1	11	financial	financial	ADJ
inlawrev-18339	1	12	crisis	crisis	NOUN
inlawrev-18339	1	13	*	*	PUNCT
inlawrev-18339	1	14	kevin	kevin	PROPN
inlawrev-18339	1	15	t.	t.	PROPN
inlawrev-18339	1	16	kabat	kabat	PROPN
inlawrev-18339	2	1	*	*	PUNCT
inlawrev-18339	2	2	*	*	PUNCT
inlawrev-18339	2	3	it	it	PRON
inlawrev-18339	2	4	’s	’	VERB
inlawrev-18339	2	5	a	a	DET
inlawrev-18339	2	6	pleasure	pleasure	NOUN
inlawrev-18339	2	7	for	for	SCONJ
inlawrev-18339	2	8	me	i	PRON
inlawrev-18339	2	9	to	to	PART
inlawrev-18339	2	10	be	be	AUX
inlawrev-18339	2	11	here	here	ADV
inlawrev-18339	2	12	tonight	tonight	NOUN
inlawrev-18339	2	13	.	.	PUNCT
inlawrev-18339	3	1	i	i	PRON
inlawrev-18339	3	2	spent	spend	VERB
inlawrev-18339	3	3	many	many	ADJ
inlawrev-18339	3	4	years	year	NOUN
inlawrev-18339	3	5	in	in	ADP
inlawrev-18339	3	6	the	the	DET
inlawrev-18339	3	7	great	great	ADJ
inlawrev-18339	3	8	state	state	NOUN
inlawrev-18339	3	9	of	of	ADP
inlawrev-18339	3	10	indiana	indiana	PROPN
inlawrev-18339	3	11	,	,	PUNCT
inlawrev-18339	3	12	first	first	ADV
inlawrev-18339	3	13	attending	attend	VERB
inlawrev-18339	3	14	graduate	graduate	ADJ
inlawrev-18339	3	15	school	school	NOUN
inlawrev-18339	3	16	,	,	PUNCT
inlawrev-18339	3	17	and	and	CCONJ
inlawrev-18339	3	18	then	then	ADV
inlawrev-18339	3	19	actually	actually	ADV
inlawrev-18339	3	20	starting	start	VERB
inlawrev-18339	3	21	my	my	PRON
inlawrev-18339	3	22	banking	banking	NOUN
inlawrev-18339	3	23	career	career	NOUN
inlawrev-18339	3	24	at	at	ADP
inlawrev-18339	3	25	merchants	merchant	NOUN
inlawrev-18339	3	26	national	national	PROPN
inlawrev-18339	3	27	bank	bank	PROPN
inlawrev-18339	3	28	in	in	ADP
inlawrev-18339	3	29	indianapolis	indianapolis	PROPN
inlawrev-18339	3	30	.	.	PUNCT
inlawrev-18339	4	1	it	it	PRON
inlawrev-18339	4	2	’s	’	VERB
inlawrev-18339	4	3	always	always	ADV
inlawrev-18339	4	4	good	good	ADJ
inlawrev-18339	4	5	to	to	PART
inlawrev-18339	4	6	be	be	AUX
inlawrev-18339	4	7	back	back	ADV
inlawrev-18339	4	8	.	.	PUNCT
inlawrev-18339	5	1	before	before	SCONJ
inlawrev-18339	5	2	i	i	PRON
inlawrev-18339	5	3	get	get	AUX
inlawrev-18339	5	4	started	start	VERB
inlawrev-18339	5	5	on	on	ADP
inlawrev-18339	5	6	my	my	PRON
inlawrev-18339	5	7	prepared	prepared	ADJ
inlawrev-18339	5	8	remarks	remark	NOUN
inlawrev-18339	5	9	,	,	PUNCT
inlawrev-18339	5	10	i	i	PRON
inlawrev-18339	5	11	first	first	ADV
inlawrev-18339	5	12	want	want	VERB
inlawrev-18339	5	13	to	to	PART
inlawrev-18339	5	14	thank	thank	VERB
inlawrev-18339	5	15	chancellor	chancellor	PROPN
inlawrev-18339	5	16	bantz	bantz	NOUN
inlawrev-18339	5	17	;	;	PUNCT
inlawrev-18339	5	18	professor	professor	NOUN
inlawrev-18339	5	19	and	and	CCONJ
inlawrev-18339	5	20	incoming	incoming	ADJ
inlawrev-18339	5	21	dean	dean	NOUN
inlawrev-18339	5	22	of	of	ADP
inlawrev-18339	5	23	the	the	DET
inlawrev-18339	5	24	school	school	NOUN
inlawrev-18339	5	25	of	of	ADP
inlawrev-18339	5	26	law	law	NOUN
inlawrev-18339	5	27	,	,	PUNCT
inlawrev-18339	5	28	andy	andy	PROPN
inlawrev-18339	5	29	klein	klein	PROPN
inlawrev-18339	5	30	;	;	PUNCT
inlawrev-18339	5	31	and	and	CCONJ
inlawrev-18339	5	32	justice	justice	NOUN
inlawrev-18339	5	33	sullivan	sullivan	PROPN
inlawrev-18339	5	34	for	for	ADP
inlawrev-18339	5	35	the	the	DET
inlawrev-18339	5	36	invitation	invitation	NOUN
inlawrev-18339	5	37	to	to	PART
inlawrev-18339	5	38	speak	speak	VERB
inlawrev-18339	5	39	.	.	PUNCT
inlawrev-18339	6	1	i	i	PRON
inlawrev-18339	6	2	also	also	ADV
inlawrev-18339	6	3	want	want	VERB
inlawrev-18339	6	4	to	to	PART
inlawrev-18339	6	5	take	take	VERB
inlawrev-18339	6	6	a	a	DET
inlawrev-18339	6	7	moment	moment	NOUN
inlawrev-18339	6	8	to	to	PART
inlawrev-18339	6	9	thank	thank	VERB
inlawrev-18339	6	10	nancy	nancy	PROPN
inlawrev-18339	6	11	huber	huber	PROPN
inlawrev-18339	6	12	,	,	PUNCT
inlawrev-18339	6	13	our	our	PRON
inlawrev-18339	6	14	central	central	ADJ
inlawrev-18339	6	15	indiana	indiana	PROPN
inlawrev-18339	6	16	president	president	NOUN
inlawrev-18339	6	17	,	,	PUNCT
inlawrev-18339	6	18	for	for	ADP
inlawrev-18339	6	19	accompanying	accompany	VERB
inlawrev-18339	6	20	me	i	PRON
inlawrev-18339	6	21	here	here	ADV
inlawrev-18339	6	22	this	this	DET
inlawrev-18339	6	23	evening	evening	NOUN
inlawrev-18339	6	24	.	.	PUNCT
inlawrev-18339	7	1	i	i	PRON
inlawrev-18339	7	2	’ve	’ve	AUX
inlawrev-18339	7	3	been	be	AUX
inlawrev-18339	7	4	asked	ask	VERB
inlawrev-18339	7	5	to	to	PART
inlawrev-18339	7	6	provide	provide	VERB
inlawrev-18339	7	7	you	you	PRON
inlawrev-18339	7	8	with	with	ADP
inlawrev-18339	7	9	my	my	PRON
inlawrev-18339	7	10	perspectives	perspective	NOUN
inlawrev-18339	7	11	on	on	ADP
inlawrev-18339	7	12	the	the	DET
inlawrev-18339	7	13	financial	financial	ADJ
inlawrev-18339	7	14	crisis	crisis	NOUN
inlawrev-18339	7	15	.	.	PUNCT
inlawrev-18339	8	1	and	and	CCONJ
inlawrev-18339	8	2	while	while	SCONJ
inlawrev-18339	8	3	i	i	PRON
inlawrev-18339	8	4	will	will	AUX
inlawrev-18339	8	5	try	try	VERB
inlawrev-18339	8	6	to	to	PART
inlawrev-18339	8	7	paint	paint	VERB
inlawrev-18339	8	8	an	an	DET
inlawrev-18339	8	9	objective	objective	ADJ
inlawrev-18339	8	10	picture	picture	NOUN
inlawrev-18339	8	11	,	,	PUNCT
inlawrev-18339	8	12	i	i	PRON
inlawrev-18339	8	13	must	must	AUX
inlawrev-18339	8	14	be	be	AUX
inlawrev-18339	8	15	honest	honest	ADJ
inlawrev-18339	8	16	—	—	PUNCT
inlawrev-18339	8	17	i	i	PRON
inlawrev-18339	8	18	have	have	VERB
inlawrev-18339	8	19	more	more	ADJ
inlawrev-18339	8	20	than	than	ADP
inlawrev-18339	8	21	a	a	DET
inlawrev-18339	8	22	little	little	ADJ
inlawrev-18339	8	23	bit	bit	NOUN
inlawrev-18339	8	24	of	of	ADP
inlawrev-18339	8	25	a	a	DET
inlawrev-18339	8	26	regional	regional	ADJ
inlawrev-18339	8	27	bank	bank	NOUN
inlawrev-18339	8	28	bias	bias	NOUN
inlawrev-18339	8	29	,	,	PUNCT
inlawrev-18339	8	30	but	but	CCONJ
inlawrev-18339	8	31	i	i	PRON
inlawrev-18339	8	32	’ll	’ll	AUX
inlawrev-18339	8	33	do	do	VERB
inlawrev-18339	8	34	my	my	PRON
inlawrev-18339	8	35	best	good	ADJ
inlawrev-18339	8	36	to	to	PART
inlawrev-18339	8	37	hide	hide	VERB
inlawrev-18339	8	38	it	it	PRON
inlawrev-18339	8	39	.	.	PUNCT
inlawrev-18339	9	1	first	first	ADV
inlawrev-18339	9	2	,	,	PUNCT
inlawrev-18339	9	3	let	let	VERB
inlawrev-18339	9	4	me	i	PRON
inlawrev-18339	9	5	give	give	VERB
inlawrev-18339	9	6	you	you	PRON
inlawrev-18339	9	7	a	a	DET
inlawrev-18339	9	8	nugget	nugget	NOUN
inlawrev-18339	9	9	of	of	ADP
inlawrev-18339	9	10	background	background	NOUN
inlawrev-18339	9	11	,	,	PUNCT
inlawrev-18339	9	12	which	which	PRON
inlawrev-18339	9	13	will	will	AUX
inlawrev-18339	9	14	help	help	VERB
inlawrev-18339	9	15	you	you	PRON
inlawrev-18339	9	16	put	put	VERB
inlawrev-18339	9	17	the	the	DET
inlawrev-18339	9	18	timing	timing	NOUN
inlawrev-18339	9	19	in	in	ADP
inlawrev-18339	9	20	perspective	perspective	NOUN
inlawrev-18339	9	21	.	.	PUNCT
inlawrev-18339	10	1	i	i	PRON
inlawrev-18339	10	2	became	become	VERB
inlawrev-18339	10	3	ceo	ceo	NOUN
inlawrev-18339	10	4	of	of	ADP
inlawrev-18339	10	5	fifth	fifth	ADJ
inlawrev-18339	10	6	third	third	ADJ
inlawrev-18339	10	7	bank	bank	NOUN
inlawrev-18339	10	8	in	in	ADP
inlawrev-18339	10	9	april	april	PROPN
inlawrev-18339	10	10	2007	2007	NUM
inlawrev-18339	10	11	.	.	PUNCT
inlawrev-18339	11	1	some	some	PRON
inlawrev-18339	11	2	say	say	VERB
inlawrev-18339	11	3	the	the	DET
inlawrev-18339	11	4	actual	actual	ADJ
inlawrev-18339	11	5	start	start	NOUN
inlawrev-18339	11	6	of	of	ADP
inlawrev-18339	11	7	the	the	DET
inlawrev-18339	11	8	crisis	crisis	NOUN
inlawrev-18339	11	9	began	begin	VERB
inlawrev-18339	11	10	a	a	DET
inlawrev-18339	11	11	short	short	ADJ
inlawrev-18339	11	12	ninety	ninety	NUM
inlawrev-18339	11	13	days	day	NOUN
inlawrev-18339	11	14	later	later	ADV
inlawrev-18339	11	15	with	with	ADP
inlawrev-18339	11	16	the	the	DET
inlawrev-18339	11	17	liquidation	liquidation	NOUN
inlawrev-18339	11	18	by	by	ADP
inlawrev-18339	11	19	bear	bear	NOUN
inlawrev-18339	11	20	stearns	stearn	NOUN
inlawrev-18339	11	21	of	of	ADP
inlawrev-18339	11	22	two	two	NUM
inlawrev-18339	11	23	hedge	hedge	NOUN
inlawrev-18339	11	24	funds	fund	NOUN
inlawrev-18339	11	25	that	that	PRON
inlawrev-18339	11	26	invested	invest	VERB
inlawrev-18339	11	27	in	in	ADP
inlawrev-18339	11	28	various	various	ADJ
inlawrev-18339	11	29	types	type	NOUN
inlawrev-18339	11	30	of	of	ADP
inlawrev-18339	11	31	mortgagebacked	mortgagebacked	ADJ
inlawrev-18339	11	32	securities	security	NOUN
inlawrev-18339	11	33	.	.	PUNCT
inlawrev-18339	12	1	timing	timing	NOUN
inlawrev-18339	12	2	is	be	AUX
inlawrev-18339	12	3	everything	everything	PRON
inlawrev-18339	12	4	,	,	PUNCT
inlawrev-18339	12	5	i	i	PRON
inlawrev-18339	12	6	guess	guess	VERB
inlawrev-18339	12	7	.	.	PUNCT
inlawrev-18339	13	1	it	it	PRON
inlawrev-18339	13	2	’s	’s	AUX
inlawrev-18339	13	3	been	be	AUX
inlawrev-18339	13	4	more	more	ADJ
inlawrev-18339	13	5	than	than	ADP
inlawrev-18339	13	6	four	four	NUM
inlawrev-18339	13	7	years	year	NOUN
inlawrev-18339	13	8	,	,	PUNCT
inlawrev-18339	13	9	and	and	CCONJ
inlawrev-18339	13	10	i	i	PRON
inlawrev-18339	13	11	still	still	ADV
inlawrev-18339	13	12	cringe	cringe	VERB
inlawrev-18339	13	13	when	when	SCONJ
inlawrev-18339	13	14	i	i	PRON
inlawrev-18339	13	15	remember	remember	VERB
inlawrev-18339	13	16	those	those	DET
inlawrev-18339	13	17	times	time	NOUN
inlawrev-18339	13	18	.	.	PUNCT
inlawrev-18339	14	1	over	over	ADP
inlawrev-18339	14	2	the	the	DET
inlawrev-18339	14	3	years	year	NOUN
inlawrev-18339	14	4	,	,	PUNCT
inlawrev-18339	14	5	i	i	PRON
inlawrev-18339	14	6	’ve	’ve	AUX
inlawrev-18339	14	7	gotten	get	VERB
inlawrev-18339	14	8	the	the	DET
inlawrev-18339	14	9	question	question	NOUN
inlawrev-18339	14	10	many	many	ADJ
inlawrev-18339	14	11	times	time	NOUN
inlawrev-18339	14	12	“	"	PUNCT
inlawrev-18339	14	13	who	who	PRON
inlawrev-18339	14	14	’s	’	VERB
inlawrev-18339	14	15	to	to	PART
inlawrev-18339	14	16	blame	blame	VERB
inlawrev-18339	14	17	for	for	ADP
inlawrev-18339	14	18	the	the	DET
inlawrev-18339	14	19	financial	financial	ADJ
inlawrev-18339	14	20	meltdown	meltdown	NOUN
inlawrev-18339	14	21	and	and	CCONJ
inlawrev-18339	14	22	subsequent	subsequent	ADJ
inlawrev-18339	14	23	recession	recession	NOUN
inlawrev-18339	14	24	,	,	PUNCT
inlawrev-18339	14	25	”	"	PUNCT
inlawrev-18339	14	26	and	and	CCONJ
inlawrev-18339	14	27	the	the	DET
inlawrev-18339	14	28	best	good	ADJ
inlawrev-18339	14	29	answer	answer	NOUN
inlawrev-18339	14	30	i	i	PRON
inlawrev-18339	14	31	can	can	AUX
inlawrev-18339	14	32	give	give	VERB
inlawrev-18339	14	33	is	be	AUX
inlawrev-18339	14	34	that	that	SCONJ
inlawrev-18339	14	35	everyone	everyone	PRON
inlawrev-18339	14	36	is	be	AUX
inlawrev-18339	14	37	to	to	PART
inlawrev-18339	14	38	blame	blame	VERB
inlawrev-18339	14	39	—	—	PUNCT
inlawrev-18339	14	40	government	government	NOUN
inlawrev-18339	14	41	,	,	PUNCT
inlawrev-18339	14	42	unregulated	unregulated	ADJ
inlawrev-18339	14	43	lenders	lender	NOUN
inlawrev-18339	14	44	,	,	PUNCT
inlawrev-18339	14	45	investment	investment	NOUN
inlawrev-18339	14	46	banks	bank	NOUN
inlawrev-18339	14	47	,	,	PUNCT
inlawrev-18339	14	48	regulators	regulator	NOUN
inlawrev-18339	14	49	,	,	PUNCT
inlawrev-18339	14	50	borrowers	borrower	NOUN
inlawrev-18339	14	51	,	,	PUNCT
inlawrev-18339	14	52	and	and	CCONJ
inlawrev-18339	14	53	,	,	PUNCT
inlawrev-18339	14	54	yes	yes	INTJ
inlawrev-18339	14	55	,	,	PUNCT
inlawrev-18339	14	56	traditional	traditional	ADJ
inlawrev-18339	14	57	commercial	commercial	ADJ
inlawrev-18339	14	58	banks	bank	NOUN
inlawrev-18339	14	59	like	like	INTJ
inlawrev-18339	14	60	fifth	fifth	ADJ
inlawrev-18339	14	61	third	third	NOUN
inlawrev-18339	14	62	all	all	PRON
inlawrev-18339	14	63	played	play	VERB
inlawrev-18339	14	64	a	a	DET
inlawrev-18339	14	65	role	role	NOUN
inlawrev-18339	14	66	—	—	PUNCT
inlawrev-18339	14	67	although	although	SCONJ
inlawrev-18339	14	68	some	some	PRON
inlawrev-18339	14	69	more	more	ADJ
inlawrev-18339	14	70	so	so	ADV
inlawrev-18339	14	71	than	than	ADP
inlawrev-18339	14	72	others	other	NOUN
inlawrev-18339	14	73	.	.	PUNCT
inlawrev-18339	15	1	shortly	shortly	ADV
inlawrev-18339	15	2	after	after	ADP
inlawrev-18339	15	3	the	the	DET
inlawrev-18339	15	4	technology	technology	NOUN
inlawrev-18339	15	5	bubble	bubble	NOUN
inlawrev-18339	15	6	and	and	CCONJ
inlawrev-18339	15	7	in	in	ADP
inlawrev-18339	15	8	the	the	DET
inlawrev-18339	15	9	aftermath	aftermath	NOUN
inlawrev-18339	15	10	of	of	ADP
inlawrev-18339	15	11	9/11	9/11	NUM
inlawrev-18339	15	12	,	,	PUNCT
inlawrev-18339	15	13	the	the	DET
inlawrev-18339	15	14	federal	federal	PROPN
inlawrev-18339	15	15	reserve	reserve	PROPN
inlawrev-18339	15	16	significantly	significantly	ADV
inlawrev-18339	15	17	reduced	reduce	VERB
inlawrev-18339	15	18	interest	interest	NOUN
inlawrev-18339	15	19	rates	rate	NOUN
inlawrev-18339	15	20	in	in	ADP
inlawrev-18339	15	21	order	order	NOUN
inlawrev-18339	15	22	to	to	PART
inlawrev-18339	15	23	mitigate	mitigate	VERB
inlawrev-18339	15	24	the	the	DET
inlawrev-18339	15	25	negative	negative	ADJ
inlawrev-18339	15	26	impact	impact	NOUN
inlawrev-18339	15	27	of	of	ADP
inlawrev-18339	15	28	recent	recent	ADJ
inlawrev-18339	15	29	events	event	NOUN
inlawrev-18339	15	30	on	on	ADP
inlawrev-18339	15	31	the	the	DET
inlawrev-18339	15	32	economy.1	economy.1	PROPN
inlawrev-18339	15	33	low	low	ADJ
inlawrev-18339	15	34	bond	bond	NOUN
inlawrev-18339	15	35	rates	rate	NOUN
inlawrev-18339	15	36	,	,	PUNCT
inlawrev-18339	15	37	low	low	ADJ
inlawrev-18339	15	38	interest	interest	NOUN
inlawrev-18339	15	39	rates	rate	NOUN
inlawrev-18339	15	40	,	,	PUNCT
inlawrev-18339	15	41	and	and	CCONJ
inlawrev-18339	15	42	skepticism	skepticism	NOUN
inlawrev-18339	15	43	of	of	ADP
inlawrev-18339	15	44	the	the	DET
inlawrev-18339	15	45	stock	stock	NOUN
inlawrev-18339	15	46	market	market	NOUN
inlawrev-18339	15	47	significantly	significantly	ADV
inlawrev-18339	15	48	increased	increase	VERB
inlawrev-18339	15	49	the	the	DET
inlawrev-18339	15	50	attractiveness	attractiveness	NOUN
inlawrev-18339	15	51	of	of	ADP
inlawrev-18339	15	52	real	real	ADJ
inlawrev-18339	15	53	estate	estate	NOUN
inlawrev-18339	15	54	as	as	ADP
inlawrev-18339	15	55	an	an	DET
inlawrev-18339	15	56	investment	investment	NOUN
inlawrev-18339	15	57	vehicle	vehicle	NOUN
inlawrev-18339	15	58	.	.	PUNCT
inlawrev-18339	16	1	this	this	DET
inlawrev-18339	16	2	factor	factor	NOUN
inlawrev-18339	16	3	—	—	PUNCT
inlawrev-18339	16	4	coupled	couple	VERB
inlawrev-18339	16	5	with	with	ADP
inlawrev-18339	16	6	governmentsponsored	governmentsponsore	VERB
inlawrev-18339	16	7	enterprises	enterprise	NOUN
inlawrev-18339	16	8	that	that	PRON
inlawrev-18339	16	9	had	have	VERB
inlawrev-18339	16	10	a	a	DET
inlawrev-18339	16	11	congressional	congressional	ADJ
inlawrev-18339	16	12	mandate	mandate	NOUN
inlawrev-18339	16	13	to	to	PART
inlawrev-18339	16	14	increase	increase	VERB
inlawrev-18339	16	15	home	home	NOUN
inlawrev-18339	16	16	ownership	ownership	NOUN
inlawrev-18339	16	17	—	—	PUNCT
inlawrev-18339	16	18	led	lead	VERB
inlawrev-18339	16	19	to	to	PART
inlawrev-18339	16	20	rapidly	rapidly	ADV
inlawrev-18339	16	21	increasing	increase	VERB
inlawrev-18339	16	22	real	real	ADJ
inlawrev-18339	16	23	estate	estate	NOUN
inlawrev-18339	16	24	prices	price	NOUN
inlawrev-18339	16	25	in	in	ADP
inlawrev-18339	16	26	many	many	ADJ
inlawrev-18339	16	27	parts	part	NOUN
inlawrev-18339	16	28	of	of	ADP
inlawrev-18339	16	29	the	the	DET
inlawrev-18339	16	30	country.2	country.2	NOUN
inlawrev-18339	16	31	*	*	PUNCT
inlawrev-18339	16	32	this	this	PRON
inlawrev-18339	16	33	is	be	AUX
inlawrev-18339	16	34	the	the	DET
inlawrev-18339	16	35	text	text	NOUN
inlawrev-18339	16	36	of	of	ADP
inlawrev-18339	16	37	the	the	DET
inlawrev-18339	16	38	speech	speech	NOUN
inlawrev-18339	16	39	given	give	VERB
inlawrev-18339	16	40	to	to	PART
inlawrev-18339	16	41	open	open	VERB
inlawrev-18339	16	42	the	the	DET
inlawrev-18339	16	43	2013	2013	NUM
inlawrev-18339	16	44	indiana	indiana	PROPN
inlawrev-18339	16	45	law	law	PROPN
inlawrev-18339	16	46	review	review	PROPN
inlawrev-18339	16	47	’s	’s	PART
inlawrev-18339	16	48	national	national	ADJ
inlawrev-18339	16	49	symposium	symposium	NOUN
inlawrev-18339	16	50	,	,	PUNCT
inlawrev-18339	16	51	“	"	PUNCT
inlawrev-18339	16	52	law	law	NOUN
inlawrev-18339	16	53	and	and	CCONJ
inlawrev-18339	16	54	the	the	DET
inlawrev-18339	16	55	financial	financial	ADJ
inlawrev-18339	16	56	crisis	crisis	NOUN
inlawrev-18339	16	57	,	,	PUNCT
inlawrev-18339	16	58	”	"	PUNCT
inlawrev-18339	16	59	delivered	deliver	VERB
inlawrev-18339	16	60	by	by	ADP
inlawrev-18339	16	61	kevin	kevin	PROPN
inlawrev-18339	16	62	t.	t.	PROPN
inlawrev-18339	16	63	kabat	kabat	PROPN
inlawrev-18339	16	64	on	on	ADP
inlawrev-18339	16	65	april	april	PROPN
inlawrev-18339	16	66	4	4	NUM
inlawrev-18339	16	67	,	,	PUNCT
inlawrev-18339	16	68	2013	2013	NUM
inlawrev-18339	16	69	at	at	ADP
inlawrev-18339	16	70	the	the	DET
inlawrev-18339	16	71	indiana	indiana	PROPN
inlawrev-18339	16	72	university	university	PROPN
inlawrev-18339	16	73	robert	robert	PROPN
inlawrev-18339	16	74	h.	h.	PROPN
inlawrev-18339	16	75	mckinney	mckinney	PROPN
inlawrev-18339	16	76	school	school	PROPN
inlawrev-18339	16	77	of	of	ADP
inlawrev-18339	16	78	law	law	NOUN
inlawrev-18339	16	79	.	.	PUNCT
inlawrev-18339	17	1	*	*	PUNCT
inlawrev-18339	17	2	*	*	PUNCT
inlawrev-18339	17	3	vice	vice	NOUN
inlawrev-18339	17	4	chairman	chairman	NOUN
inlawrev-18339	17	5	and	and	CCONJ
inlawrev-18339	17	6	ceo	ceo	NOUN
inlawrev-18339	17	7	,	,	PUNCT
inlawrev-18339	17	8	fifth	fifth	PROPN
inlawrev-18339	17	9	third	third	PROPN
inlawrev-18339	17	10	bancorp	bancorp	PROPN
inlawrev-18339	17	11	.	.	PROPN
inlawrev-18339	18	1	kevin	kevin	PROPN
inlawrev-18339	18	2	previously	previously	ADV
inlawrev-18339	18	3	served	serve	VERB
inlawrev-18339	18	4	as	as	ADP
inlawrev-18339	18	5	executive	executive	ADJ
inlawrev-18339	18	6	vice	vice	NOUN
inlawrev-18339	18	7	president	president	NOUN
inlawrev-18339	18	8	and	and	CCONJ
inlawrev-18339	18	9	led	lead	VERB
inlawrev-18339	18	10	both	both	CCONJ
inlawrev-18339	18	11	retail	retail	ADJ
inlawrev-18339	18	12	and	and	CCONJ
inlawrev-18339	18	13	affiliate	affiliate	NOUN
inlawrev-18339	18	14	banking	banking	NOUN
inlawrev-18339	18	15	at	at	ADP
inlawrev-18339	18	16	fifth	fifth	ADJ
inlawrev-18339	18	17	third	third	NOUN
inlawrev-18339	18	18	,	,	PUNCT
inlawrev-18339	18	19	as	as	ADP
inlawrev-18339	18	20	president	president	NOUN
inlawrev-18339	18	21	and	and	CCONJ
inlawrev-18339	18	22	ceo	ceo	NOUN
inlawrev-18339	18	23	of	of	ADP
inlawrev-18339	18	24	fifth	fifth	PROPN
inlawrev-18339	18	25	third	third	ADJ
inlawrev-18339	18	26	bank	bank	NOUN
inlawrev-18339	18	27	(	(	PUNCT
inlawrev-18339	18	28	western	western	PROPN
inlawrev-18339	18	29	michigan	michigan	PROPN
inlawrev-18339	18	30	)	)	PUNCT
inlawrev-18339	18	31	,	,	PUNCT
inlawrev-18339	18	32	and	and	CCONJ
inlawrev-18339	18	33	as	as	ADP
inlawrev-18339	18	34	vice	vice	NOUN
inlawrev-18339	18	35	chairman	chairman	NOUN
inlawrev-18339	18	36	and	and	CCONJ
inlawrev-18339	18	37	president	president	NOUN
inlawrev-18339	18	38	of	of	ADP
inlawrev-18339	18	39	old	old	ADJ
inlawrev-18339	18	40	kent	kent	PROPN
inlawrev-18339	18	41	bank	bank	PROPN
inlawrev-18339	18	42	(	(	PUNCT
inlawrev-18339	18	43	which	which	PRON
inlawrev-18339	18	44	was	be	AUX
inlawrev-18339	18	45	acquired	acquire	VERB
inlawrev-18339	18	46	by	by	ADP
inlawrev-18339	18	47	fifth	fifth	PROPN
inlawrev-18339	18	48	third	third	PROPN
inlawrev-18339	18	49	bancorp	bancorp	PROPN
inlawrev-18339	18	50	in	in	ADP
inlawrev-18339	18	51	2001	2001	NUM
inlawrev-18339	18	52	)	)	PUNCT
inlawrev-18339	18	53	.	.	PUNCT
inlawrev-18339	19	1	kevin	kevin	PROPN
inlawrev-18339	19	2	received	receive	VERB
inlawrev-18339	19	3	his	his	PRON
inlawrev-18339	19	4	bachelor	bachelor	NOUN
inlawrev-18339	19	5	’s	’s	PART
inlawrev-18339	19	6	degree	degree	NOUN
inlawrev-18339	19	7	in	in	ADP
inlawrev-18339	19	8	behavioral	behavioral	ADJ
inlawrev-18339	19	9	science	science	NOUN
inlawrev-18339	19	10	from	from	ADP
inlawrev-18339	19	11	johns	johns	PROPN
inlawrev-18339	19	12	hopkins	hopkins	PROPN
inlawrev-18339	19	13	university	university	PROPN
inlawrev-18339	19	14	and	and	CCONJ
inlawrev-18339	19	15	a	a	DET
inlawrev-18339	19	16	master	master	NOUN
inlawrev-18339	19	17	’s	’s	PART
inlawrev-18339	19	18	degree	degree	NOUN
inlawrev-18339	19	19	in	in	ADP
inlawrev-18339	19	20	industrial	industrial	ADJ
inlawrev-18339	19	21	/	/	SYM
inlawrev-18339	19	22	organizational	organizational	ADJ
inlawrev-18339	19	23	psychology	psychology	NOUN
inlawrev-18339	19	24	from	from	ADP
inlawrev-18339	19	25	purdue	purdue	PROPN
inlawrev-18339	19	26	university	university	NOUN
inlawrev-18339	19	27	.	.	PUNCT
inlawrev-18339	20	1	1	1	X
inlawrev-18339	20	2	.	.	X
inlawrev-18339	20	3	gail	gail	PROPN
inlawrev-18339	20	4	makinen	makinen	PROPN
inlawrev-18339	20	5	,	,	PUNCT
inlawrev-18339	20	6	cong	cong	NOUN
inlawrev-18339	20	7	.	.	PUNCT
inlawrev-18339	21	1	research	research	NOUN
inlawrev-18339	21	2	serv	serv	PROPN
inlawrev-18339	21	3	.	.	PUNCT
inlawrev-18339	21	4	,	,	PUNCT
inlawrev-18339	21	5	rl	rl	ADP
inlawrev-18339	21	6	31617	31617	NUM
inlawrev-18339	21	7	,	,	PUNCT
inlawrev-18339	21	8	the	the	DET
inlawrev-18339	21	9	economic	economic	ADJ
inlawrev-18339	21	10	effects	effect	NOUN
inlawrev-18339	21	11	of	of	ADP
inlawrev-18339	21	12	9/11	9/11	NUM
inlawrev-18339	21	13	:	:	PUNCT
inlawrev-18339	21	14	a	a	DET
inlawrev-18339	21	15	retrospective	retrospective	ADJ
inlawrev-18339	21	16	assessment	assessment	NOUN
inlawrev-18339	21	17	15	15	NUM
inlawrev-18339	21	18	-	-	SYM
inlawrev-18339	21	19	16	16	NUM
inlawrev-18339	21	20	(	(	PUNCT
inlawrev-18339	21	21	2002	2002	NUM
inlawrev-18339	21	22	)	)	PUNCT
inlawrev-18339	21	23	,	,	PUNCT
inlawrev-18339	21	24	available	available	ADJ
inlawrev-18339	21	25	at	at	ADP
inlawrev-18339	21	26	http://www.fas.org/irp/crs/rl31617.pdf	http://www.fas.org/irp/crs/rl31617.pdf	PROPN
inlawrev-18339	21	27	.	.	PUNCT
inlawrev-18339	22	1	2	2	X
inlawrev-18339	22	2	.	.	X
inlawrev-18339	22	3	fin	fin	NOUN
inlawrev-18339	22	4	.	.	PUNCT
inlawrev-18339	23	1	crisis	crisis	NOUN
inlawrev-18339	23	2	inquiry	inquiry	NOUN
inlawrev-18339	23	3	comm’n	comm’n	NOUN
inlawrev-18339	23	4	,	,	PUNCT
inlawrev-18339	23	5	final	final	ADJ
inlawrev-18339	23	6	report	report	NOUN
inlawrev-18339	23	7	of	of	ADP
inlawrev-18339	23	8	the	the	DET
inlawrev-18339	23	9	nat’l	nat’l	NOUN
inlawrev-18339	23	10	comm’n	comm’n	NOUN
inlawrev-18339	23	11	on	on	ADP
inlawrev-18339	23	12	the	the	DET
inlawrev-18339	23	13	causes	cause	NOUN
inlawrev-18339	23	14	of	of	ADP
inlawrev-18339	23	15	the	the	DET
inlawrev-18339	23	16	fin	fin	NOUN
inlawrev-18339	23	17	.	.	PUNCT
inlawrev-18339	24	1	and	and	CCONJ
inlawrev-18339	24	2	econ	econ	PROPN
inlawrev-18339	24	3	.	.	PUNCT
inlawrev-18339	25	1	crisis	crisis	NOUN
inlawrev-18339	25	2	of	of	ADP
inlawrev-18339	25	3	the	the	DET
inlawrev-18339	25	4	united	united	PROPN
inlawrev-18339	25	5	states	states	PROPN
inlawrev-18339	25	6	5	5	NUM
inlawrev-18339	25	7	-	-	SYM
inlawrev-18339	25	8	10	10	NUM
inlawrev-18339	25	9	(	(	PUNCT
inlawrev-18339	25	10	2011	2011	NUM
inlawrev-18339	25	11	)	)	PUNCT
inlawrev-18339	26	1	[	[	X
inlawrev-18339	26	2	hereinafter	hereinafter	NOUN
inlawrev-18339	26	3	fin	fin	NOUN
inlawrev-18339	26	4	.	.	PUNCT
inlawrev-18339	27	1	crisis	crisis	NOUN
inlawrev-18339	27	2	inquiry	inquiry	NOUN
inlawrev-18339	27	3	comm’n	comm’n	NOUN
inlawrev-18339	27	4	]	]	X
inlawrev-18339	27	5	,	,	PUNCT
inlawrev-18339	27	6	available	available	ADJ
inlawrev-18339	27	7	at	at	ADP
inlawrev-18339	27	8	http://www.gpo.gov/fdsys/pkg/gpo-fcic/pdf/gpo-fcic.pdf	http://www.gpo.gov/fdsys/pkg/gpo-fcic/pdf/gpo-fcic.pdf	PROPN
inlawrev-18339	27	9	.	.	PROPN
inlawrev-18339	28	1	24	24	NUM
inlawrev-18339	28	2	indiana	indiana	PROPN
inlawrev-18339	28	3	law	law	PROPN
inlawrev-18339	28	4	review	review	NOUN
inlawrev-18339	28	5	[	[	X
inlawrev-18339	28	6	vol	vol	NOUN
inlawrev-18339	28	7	.	.	PUNCT
inlawrev-18339	29	1	47:23	47:23	NUM
inlawrev-18339	29	2	as	as	SCONJ
inlawrev-18339	29	3	property	property	NOUN
inlawrev-18339	29	4	values	value	NOUN
inlawrev-18339	29	5	rose	rise	VERB
inlawrev-18339	30	1	,	,	PUNCT
inlawrev-18339	30	2	so	so	ADV
inlawrev-18339	30	3	did	do	AUX
inlawrev-18339	30	4	the	the	DET
inlawrev-18339	30	5	availability	availability	NOUN
inlawrev-18339	30	6	of	of	ADP
inlawrev-18339	30	7	credit.3	credit.3	PROPN
inlawrev-18339	30	8	the	the	DET
inlawrev-18339	30	9	“	"	PUNCT
inlawrev-18339	30	10	shadow	shadow	NOUN
inlawrev-18339	30	11	banking	banking	NOUN
inlawrev-18339	30	12	”	"	PUNCT
inlawrev-18339	30	13	system	system	NOUN
inlawrev-18339	30	14	that	that	PRON
inlawrev-18339	30	15	was	be	AUX
inlawrev-18339	30	16	comprised	comprise	VERB
inlawrev-18339	30	17	of	of	ADP
inlawrev-18339	30	18	unregulated	unregulated	ADJ
inlawrev-18339	30	19	lenders	lender	NOUN
inlawrev-18339	30	20	and	and	CCONJ
inlawrev-18339	30	21	securitization	securitization	NOUN
inlawrev-18339	30	22	markets	market	NOUN
inlawrev-18339	30	23	began	begin	VERB
inlawrev-18339	30	24	to	to	PART
inlawrev-18339	30	25	account	account	VERB
inlawrev-18339	30	26	for	for	ADP
inlawrev-18339	30	27	more	more	ADJ
inlawrev-18339	30	28	and	and	CCONJ
inlawrev-18339	30	29	more	more	ADJ
inlawrev-18339	30	30	lending	lending	NOUN
inlawrev-18339	30	31	activity	activity	NOUN
inlawrev-18339	30	32	—	—	PUNCT
inlawrev-18339	30	33	peaking	peak	VERB
inlawrev-18339	30	34	at	at	ADP
inlawrev-18339	30	35	over	over	ADV
inlawrev-18339	30	36	seventy	seventy	NUM
inlawrev-18339	30	37	percent	percent	NOUN
inlawrev-18339	30	38	of	of	ADP
inlawrev-18339	30	39	all	all	DET
inlawrev-18339	30	40	credit	credit	NOUN
inlawrev-18339	30	41	extended	extend	VERB
inlawrev-18339	30	42	between	between	ADP
inlawrev-18339	30	43	2003	2003	NUM
inlawrev-18339	30	44	and	and	CCONJ
inlawrev-18339	30	45	2006.4	2006.4	NUM
inlawrev-18339	30	46	this	this	PRON
inlawrev-18339	30	47	was	be	AUX
inlawrev-18339	30	48	further	far	ADV
inlawrev-18339	30	49	exacerbated	exacerbate	VERB
inlawrev-18339	30	50	by	by	ADP
inlawrev-18339	30	51	the	the	DET
inlawrev-18339	30	52	emergence	emergence	NOUN
inlawrev-18339	30	53	of	of	ADP
inlawrev-18339	30	54	new	new	ADJ
inlawrev-18339	30	55	loan	loan	NOUN
inlawrev-18339	30	56	products	product	NOUN
inlawrev-18339	30	57	that	that	PRON
inlawrev-18339	30	58	increased	increase	VERB
inlawrev-18339	30	59	availability	availability	NOUN
inlawrev-18339	30	60	of	of	ADP
inlawrev-18339	30	61	credit	credit	NOUN
inlawrev-18339	30	62	,	,	PUNCT
inlawrev-18339	30	63	but	but	CCONJ
inlawrev-18339	30	64	were	be	AUX
inlawrev-18339	30	65	often	often	ADV
inlawrev-18339	30	66	done	do	VERB
inlawrev-18339	30	67	at	at	ADP
inlawrev-18339	30	68	teaser	teaser	NOUN
inlawrev-18339	30	69	rates	rate	NOUN
inlawrev-18339	30	70	that	that	PRON
inlawrev-18339	30	71	would	would	AUX
inlawrev-18339	30	72	reset	reset	VERB
inlawrev-18339	30	73	,	,	PUNCT
inlawrev-18339	30	74	required	require	VERB
inlawrev-18339	30	75	little	little	ADJ
inlawrev-18339	30	76	money	money	NOUN
inlawrev-18339	30	77	down	down	ADV
inlawrev-18339	30	78	,	,	PUNCT
inlawrev-18339	30	79	or	or	CCONJ
inlawrev-18339	30	80	completely	completely	ADV
inlawrev-18339	30	81	circumvented	circumvent	VERB
inlawrev-18339	30	82	most	most	ADJ
inlawrev-18339	30	83	of	of	ADP
inlawrev-18339	30	84	the	the	DET
inlawrev-18339	30	85	traditional	traditional	ADJ
inlawrev-18339	30	86	underwriting	underwriting	NOUN
inlawrev-18339	30	87	process.5	process.5	PROPN
inlawrev-18339	30	88	pressure	pressure	NOUN
inlawrev-18339	30	89	from	from	ADP
inlawrev-18339	30	90	the	the	DET
inlawrev-18339	30	91	regulatory	regulatory	ADJ
inlawrev-18339	30	92	bodies	body	NOUN
inlawrev-18339	30	93	responsible	responsible	ADJ
inlawrev-18339	30	94	to	to	ADP
inlawrev-18339	30	95	congress	congress	PROPN
inlawrev-18339	30	96	for	for	ADP
inlawrev-18339	30	97	the	the	DET
inlawrev-18339	30	98	community	community	NOUN
inlawrev-18339	30	99	reinvestment	reinvestment	NOUN
inlawrev-18339	30	100	act,6	act,6	PROPN
inlawrev-18339	30	101	fair	fair	ADJ
inlawrev-18339	30	102	lending	lending	NOUN
inlawrev-18339	30	103	,	,	PUNCT
inlawrev-18339	30	104	and	and	CCONJ
inlawrev-18339	30	105	comparing	compare	VERB
inlawrev-18339	30	106	“	"	PUNCT
inlawrev-18339	30	107	standard	standard	ADJ
inlawrev-18339	30	108	”	"	PUNCT
inlawrev-18339	30	109	lending	lending	NOUN
inlawrev-18339	30	110	practices	practice	NOUN
inlawrev-18339	30	111	to	to	ADP
inlawrev-18339	30	112	alternative	alternative	ADJ
inlawrev-18339	30	113	lending	lending	NOUN
inlawrev-18339	30	114	offers	offer	NOUN
inlawrev-18339	30	115	only	only	ADV
inlawrev-18339	30	116	compounded	compound	VERB
inlawrev-18339	30	117	the	the	DET
inlawrev-18339	30	118	problem.7	problem.7	NOUN
inlawrev-18339	30	119	the	the	DET
inlawrev-18339	30	120	majority	majority	NOUN
inlawrev-18339	30	121	of	of	ADP
inlawrev-18339	30	122	toxic	toxic	ADJ
inlawrev-18339	30	123	loan	loan	NOUN
inlawrev-18339	30	124	products	product	NOUN
inlawrev-18339	30	125	,	,	PUNCT
inlawrev-18339	30	126	such	such	ADJ
inlawrev-18339	30	127	as	as	ADP
inlawrev-18339	30	128	option	option	NOUN
inlawrev-18339	30	129	-	-	PUNCT
inlawrev-18339	30	130	arms	arm	NOUN
inlawrev-18339	30	131	,	,	PUNCT
inlawrev-18339	30	132	subprime	subprime	ADJ
inlawrev-18339	30	133	loans	loan	NOUN
inlawrev-18339	30	134	,	,	PUNCT
inlawrev-18339	30	135	and	and	CCONJ
inlawrev-18339	30	136	exotic	exotic	ADJ
inlawrev-18339	30	137	mortgages	mortgage	NOUN
inlawrev-18339	30	138	,	,	PUNCT
inlawrev-18339	30	139	were	be	AUX
inlawrev-18339	30	140	created	create	VERB
inlawrev-18339	30	141	by	by	ADP
inlawrev-18339	30	142	lenders	lender	NOUN
inlawrev-18339	30	143	completely	completely	ADV
inlawrev-18339	30	144	outside	outside	ADV
inlawrev-18339	30	145	of	of	ADP
inlawrev-18339	30	146	the	the	DET
inlawrev-18339	30	147	traditional	traditional	ADJ
inlawrev-18339	30	148	regulatory	regulatory	ADJ
inlawrev-18339	30	149	authority	authority	NOUN
inlawrev-18339	30	150	of	of	ADP
inlawrev-18339	30	151	agencies	agency	NOUN
inlawrev-18339	30	152	like	like	ADP
inlawrev-18339	30	153	the	the	DET
inlawrev-18339	30	154	federal	federal	PROPN
inlawrev-18339	30	155	reserve	reserve	PROPN
inlawrev-18339	30	156	,	,	PUNCT
inlawrev-18339	30	157	fdic	fdic	PROPN
inlawrev-18339	30	158	,	,	PUNCT
inlawrev-18339	30	159	and	and	CCONJ
inlawrev-18339	30	160	the	the	DET
inlawrev-18339	30	161	office	office	NOUN
inlawrev-18339	30	162	of	of	ADP
inlawrev-18339	30	163	the	the	DET
inlawrev-18339	30	164	comptroller	comptroller	NOUN
inlawrev-18339	30	165	of	of	ADP
inlawrev-18339	30	166	the	the	DET
inlawrev-18339	30	167	currency.8	currency.8	PROPN
inlawrev-18339	30	168	investment	investment	NOUN
inlawrev-18339	30	169	banks	bank	NOUN
inlawrev-18339	30	170	with	with	ADP
inlawrev-18339	30	171	their	their	PRON
inlawrev-18339	30	172	exotic	exotic	ADJ
inlawrev-18339	30	173	products	product	NOUN
inlawrev-18339	30	174	,	,	PUNCT
inlawrev-18339	30	175	such	such	ADJ
inlawrev-18339	30	176	as	as	ADP
inlawrev-18339	30	177	collateralized	collateralized	ADJ
inlawrev-18339	30	178	debt	debt	NOUN
inlawrev-18339	30	179	obligations	obligation	NOUN
inlawrev-18339	30	180	,	,	PUNCT
inlawrev-18339	30	181	served	serve	VERB
inlawrev-18339	30	182	to	to	PART
inlawrev-18339	30	183	make	make	VERB
inlawrev-18339	30	184	matters	matter	NOUN
inlawrev-18339	30	185	worse.9	worse.9	NOUN
inlawrev-18339	30	186	i	i	PRON
inlawrev-18339	30	187	note	note	VERB
inlawrev-18339	30	188	that	that	SCONJ
inlawrev-18339	30	189	many	many	ADJ
inlawrev-18339	30	190	traditional	traditional	ADJ
inlawrev-18339	30	191	banks	bank	NOUN
inlawrev-18339	30	192	like	like	ADP
inlawrev-18339	30	193	fifth	fifth	ADJ
inlawrev-18339	30	194	third	third	NOUN
inlawrev-18339	30	195	did	do	AUX
inlawrev-18339	30	196	not	not	PART
inlawrev-18339	30	197	originate	originate	VERB
inlawrev-18339	30	198	these	these	DET
inlawrev-18339	30	199	types	type	NOUN
inlawrev-18339	30	200	of	of	ADP
inlawrev-18339	30	201	products	product	NOUN
inlawrev-18339	30	202	,	,	PUNCT
inlawrev-18339	30	203	but	but	CCONJ
inlawrev-18339	30	204	we	we	PRON
inlawrev-18339	30	205	did	do	AUX
inlawrev-18339	30	206	continue	continue	VERB
inlawrev-18339	30	207	to	to	PART
inlawrev-18339	30	208	compete	compete	VERB
inlawrev-18339	30	209	in	in	ADP
inlawrev-18339	30	210	more	more	ADJ
inlawrev-18339	30	211	vanilla	vanilla	NOUN
inlawrev-18339	30	212	categories	category	NOUN
inlawrev-18339	30	213	that	that	PRON
inlawrev-18339	30	214	were	be	AUX
inlawrev-18339	30	215	being	be	AUX
inlawrev-18339	30	216	underwritten	underwrite	VERB
inlawrev-18339	30	217	based	base	VERB
inlawrev-18339	30	218	on	on	ADP
inlawrev-18339	30	219	grossly	grossly	ADV
inlawrev-18339	30	220	inflated	inflated	ADJ
inlawrev-18339	30	221	property	property	NOUN
inlawrev-18339	30	222	values	value	NOUN
inlawrev-18339	30	223	.	.	PUNCT
inlawrev-18339	31	1	do	do	AUX
inlawrev-18339	31	2	n’t	not	PART
inlawrev-18339	31	3	misinterpret	misinterpret	VERB
inlawrev-18339	31	4	my	my	PRON
inlawrev-18339	31	5	message	message	NOUN
inlawrev-18339	31	6	.	.	PUNCT
inlawrev-18339	32	1	traditional	traditional	ADJ
inlawrev-18339	32	2	banks	bank	NOUN
inlawrev-18339	32	3	played	play	VERB
inlawrev-18339	32	4	a	a	DET
inlawrev-18339	32	5	role	role	NOUN
inlawrev-18339	32	6	.	.	PUNCT
inlawrev-18339	33	1	our	our	PRON
inlawrev-18339	33	2	risk	risk	NOUN
inlawrev-18339	33	3	management	management	NOUN
inlawrev-18339	33	4	processes	process	NOUN
inlawrev-18339	33	5	were	be	AUX
inlawrev-18339	33	6	not	not	PART
inlawrev-18339	33	7	developed	develop	VERB
inlawrev-18339	33	8	enough	enough	ADV
inlawrev-18339	33	9	to	to	PART
inlawrev-18339	33	10	help	help	VERB
inlawrev-18339	33	11	us	we	PRON
inlawrev-18339	33	12	avoid	avoid	VERB
inlawrev-18339	33	13	the	the	DET
inlawrev-18339	33	14	forthcoming	forthcoming	ADJ
inlawrev-18339	33	15	problems	problem	NOUN
inlawrev-18339	33	16	and	and	CCONJ
inlawrev-18339	33	17	the	the	DET
inlawrev-18339	33	18	industry	industry	NOUN
inlawrev-18339	33	19	should	should	AUX
inlawrev-18339	33	20	have	have	AUX
inlawrev-18339	33	21	had	have	VERB
inlawrev-18339	33	22	a	a	DET
inlawrev-18339	33	23	better	well	ADJ
inlawrev-18339	33	24	understanding	understanding	NOUN
inlawrev-18339	33	25	of	of	ADP
inlawrev-18339	33	26	the	the	DET
inlawrev-18339	33	27	interconnectedness	interconnectedness	NOUN
inlawrev-18339	33	28	of	of	ADP
inlawrev-18339	33	29	our	our	PRON
inlawrev-18339	33	30	business	business	NOUN
inlawrev-18339	33	31	to	to	ADP
inlawrev-18339	33	32	all	all	PRON
inlawrev-18339	33	33	that	that	PRON
inlawrev-18339	33	34	was	be	AUX
inlawrev-18339	33	35	to	to	PART
inlawrev-18339	33	36	ensue	ensue	VERB
inlawrev-18339	33	37	.	.	PUNCT
inlawrev-18339	34	1	the	the	DET
inlawrev-18339	34	2	rest	rest	NOUN
inlawrev-18339	34	3	,	,	PUNCT
inlawrev-18339	34	4	as	as	SCONJ
inlawrev-18339	34	5	you	you	PRON
inlawrev-18339	34	6	know	know	VERB
inlawrev-18339	34	7	,	,	PUNCT
inlawrev-18339	34	8	is	be	AUX
inlawrev-18339	34	9	history	history	NOUN
inlawrev-18339	34	10	.	.	PUNCT
inlawrev-18339	35	1	teaser	teaser	NOUN
inlawrev-18339	35	2	rates	rate	NOUN
inlawrev-18339	35	3	began	begin	VERB
inlawrev-18339	35	4	to	to	PART
inlawrev-18339	35	5	expire	expire	VERB
inlawrev-18339	35	6	,	,	PUNCT
inlawrev-18339	35	7	property	property	NOUN
inlawrev-18339	35	8	values	value	NOUN
inlawrev-18339	35	9	began	begin	VERB
inlawrev-18339	35	10	to	to	PART
inlawrev-18339	35	11	decline	decline	VERB
inlawrev-18339	35	12	,	,	PUNCT
inlawrev-18339	35	13	and	and	CCONJ
inlawrev-18339	35	14	we	we	PRON
inlawrev-18339	35	15	began	begin	VERB
inlawrev-18339	35	16	to	to	PART
inlawrev-18339	35	17	see	see	VERB
inlawrev-18339	35	18	more	more	ADJ
inlawrev-18339	35	19	and	and	CCONJ
inlawrev-18339	35	20	more	more	ADJ
inlawrev-18339	35	21	borrowers	borrower	NOUN
inlawrev-18339	35	22	unable	unable	ADJ
inlawrev-18339	35	23	to	to	PART
inlawrev-18339	35	24	pay	pay	VERB
inlawrev-18339	35	25	their	their	PRON
inlawrev-18339	35	26	mortgages.10	mortgages.10	NOUN
inlawrev-18339	35	27	given	give	VERB
inlawrev-18339	35	28	that	that	SCONJ
inlawrev-18339	35	29	consumer	consumer	NOUN
inlawrev-18339	35	30	savings	saving	NOUN
inlawrev-18339	35	31	in	in	ADP
inlawrev-18339	35	32	america	america	PROPN
inlawrev-18339	35	33	were	be	AUX
inlawrev-18339	35	34	at	at	ADP
inlawrev-18339	35	35	the	the	DET
inlawrev-18339	35	36	lowest	low	ADJ
inlawrev-18339	35	37	levels	level	NOUN
inlawrev-18339	35	38	since	since	SCONJ
inlawrev-18339	35	39	the	the	DET
inlawrev-18339	35	40	government	government	NOUN
inlawrev-18339	35	41	began	begin	VERB
inlawrev-18339	35	42	tracking	track	VERB
inlawrev-18339	35	43	the	the	DET
inlawrev-18339	35	44	statistic	statistic	NOUN
inlawrev-18339	35	45	in	in	ADP
inlawrev-18339	35	46	the	the	DET
inlawrev-18339	35	47	1950s	1950	NOUN
inlawrev-18339	35	48	,	,	PUNCT
inlawrev-18339	35	49	many	many	ADJ
inlawrev-18339	35	50	people	people	NOUN
inlawrev-18339	35	51	had	have	VERB
inlawrev-18339	35	52	little	little	ADJ
inlawrev-18339	35	53	,	,	PUNCT
inlawrev-18339	35	54	if	if	SCONJ
inlawrev-18339	35	55	any	any	PRON
inlawrev-18339	35	56	,	,	PUNCT
inlawrev-18339	35	57	contingency	contingency	NOUN
inlawrev-18339	35	58	funds	fund	NOUN
inlawrev-18339	35	59	to	to	PART
inlawrev-18339	35	60	fall	fall	VERB
inlawrev-18339	35	61	back	back	ADP
inlawrev-18339	35	62	on.11	on.11	NOUN
inlawrev-18339	35	63	with	with	ADP
inlawrev-18339	35	64	the	the	DET
inlawrev-18339	35	65	fall	fall	NOUN
inlawrev-18339	35	66	of	of	ADP
inlawrev-18339	35	67	large	large	ADJ
inlawrev-18339	35	68	3	3	NUM
inlawrev-18339	35	69	.	.	PUNCT
inlawrev-18339	36	1	i	i	PRON
inlawrev-18339	36	2	d.	d.	PROPN
inlawrev-18339	36	3	at	at	ADP
inlawrev-18339	36	4	83	83	NUM
inlawrev-18339	36	5	-	-	SYM
inlawrev-18339	36	6	84	84	NUM
inlawrev-18339	36	7	.	.	PUNCT
inlawrev-18339	37	1	4	4	X
inlawrev-18339	37	2	.	.	X
inlawrev-18339	37	3	saskia	saskia	PROPN
inlawrev-18339	37	4	sassen	sassen	PROPN
inlawrev-18339	37	5	,	,	PUNCT
inlawrev-18339	37	6	expanding	expand	VERB
inlawrev-18339	37	7	the	the	DET
inlawrev-18339	37	8	terrain	terrain	NOUN
inlawrev-18339	37	9	for	for	ADP
inlawrev-18339	37	10	global	global	ADJ
inlawrev-18339	37	11	capital	capital	NOUN
inlawrev-18339	37	12	:	:	PUNCT
inlawrev-18339	37	13	when	when	SCONJ
inlawrev-18339	37	14	local	local	ADJ
inlawrev-18339	37	15	housing	housing	NOUN
inlawrev-18339	37	16	becomes	become	VERB
inlawrev-18339	37	17	an	an	DET
inlawrev-18339	37	18	electronic	electronic	ADJ
inlawrev-18339	37	19	instrument	instrument	NOUN
inlawrev-18339	37	20	,	,	PUNCT
inlawrev-18339	37	21	in	in	ADP
inlawrev-18339	37	22	subprime	subprime	ADJ
inlawrev-18339	37	23	cities	city	NOUN
inlawrev-18339	37	24	:	:	PUNCT
inlawrev-18339	37	25	the	the	DET
inlawrev-18339	37	26	political	political	ADJ
inlawrev-18339	37	27	economy	economy	NOUN
inlawrev-18339	37	28	of	of	ADP
inlawrev-18339	37	29	mortgage	mortgage	NOUN
inlawrev-18339	37	30	markets	market	NOUN
inlawrev-18339	37	31	80	80	NUM
inlawrev-18339	37	32	(	(	PUNCT
inlawrev-18339	37	33	manuel	manuel	PROPN
inlawrev-18339	37	34	b.	b.	PROPN
inlawrev-18339	37	35	aalbers	aalbers	PROPN
inlawrev-18339	37	36	ed	ed	NOUN
inlawrev-18339	37	37	.	.	PROPN
inlawrev-18339	37	38	,	,	PUNCT
inlawrev-18339	37	39	2012	2012	NUM
inlawrev-18339	37	40	)	)	PUNCT
inlawrev-18339	37	41	.	.	PUNCT
inlawrev-18339	38	1	5	5	X
inlawrev-18339	38	2	.	.	X
inlawrev-18339	38	3	fin	fin	NOUN
inlawrev-18339	38	4	.	.	PUNCT
inlawrev-18339	39	1	crisis	crisis	NOUN
inlawrev-18339	39	2	inquiry	inquiry	NOUN
inlawrev-18339	39	3	comm’n	comm’n	NOUN
inlawrev-18339	39	4	,	,	PUNCT
inlawrev-18339	39	5	supra	supra	ADJ
inlawrev-18339	39	6	note	note	NOUN
inlawrev-18339	39	7	2	2	NUM
inlawrev-18339	39	8	,	,	PUNCT
inlawrev-18339	39	9	at	at	ADP
inlawrev-18339	39	10	104	104	NUM
inlawrev-18339	39	11	-	-	SYM
inlawrev-18339	39	12	05	05	NUM
inlawrev-18339	39	13	.	.	PROPN
inlawrev-18339	40	1	6	6	NUM
inlawrev-18339	40	2	.	.	X
inlawrev-18339	40	3	community	community	NOUN
inlawrev-18339	40	4	reinvestment	reinvestment	NOUN
inlawrev-18339	40	5	act	act	NOUN
inlawrev-18339	40	6	of	of	ADP
inlawrev-18339	40	7	1977	1977	NUM
inlawrev-18339	40	8	,	,	PUNCT
inlawrev-18339	40	9	pub	pub	NOUN
inlawrev-18339	40	10	.	.	PUNCT
inlawrev-18339	41	1	l.	l.	PROPN
inlawrev-18339	41	2	no	no	INTJ
inlawrev-18339	41	3	.	.	PROPN
inlawrev-18339	42	1	95	95	NUM
inlawrev-18339	42	2	-	-	SYM
inlawrev-18339	42	3	128	128	NUM
inlawrev-18339	42	4	,	,	PUNCT
inlawrev-18339	42	5	tit	tit	NOUN
inlawrev-18339	42	6	.	.	NOUN
inlawrev-18339	42	7	8	8	NUM
inlawrev-18339	42	8	,	,	PUNCT
inlawrev-18339	42	9	§	§	PROPN
inlawrev-18339	42	10	802	802	NUM
inlawrev-18339	42	11	,	,	PUNCT
inlawrev-18339	42	12	91	91	NUM
inlawrev-18339	42	13	stat	stat	NOUN
inlawrev-18339	42	14	.	.	PUNCT
inlawrev-18339	43	1	1147	1147	NUM
inlawrev-18339	43	2	(	(	PUNCT
inlawrev-18339	43	3	1977	1977	NUM
inlawrev-18339	43	4	)	)	PUNCT
inlawrev-18339	43	5	.	.	PUNCT
inlawrev-18339	44	1	7	7	X
inlawrev-18339	44	2	.	.	X
inlawrev-18339	44	3	u.s	u.s	PROPN
inlawrev-18339	44	4	.	.	PROPN
inlawrev-18339	44	5	dep’t	dep’t	NOUN
inlawrev-18339	44	6	of	of	ADP
inlawrev-18339	44	7	housing	housing	PROPN
inlawrev-18339	44	8	&	&	CCONJ
inlawrev-18339	44	9	urban	urban	PROPN
inlawrev-18339	44	10	dev	dev	PROPN
inlawrev-18339	44	11	.	.	PROPN
inlawrev-18339	44	12	,	,	PUNCT
inlawrev-18339	44	13	recent	recent	ADJ
inlawrev-18339	44	14	house	house	NOUN
inlawrev-18339	44	15	price	price	NOUN
inlawrev-18339	44	16	trends	trend	NOUN
inlawrev-18339	44	17	&	&	CCONJ
inlawrev-18339	44	18	homeownership	homeownership	NOUN
inlawrev-18339	44	19	affordability	affordability	NOUN
inlawrev-18339	44	20	85	85	NUM
inlawrev-18339	44	21	(	(	PUNCT
inlawrev-18339	44	22	2005	2005	NUM
inlawrev-18339	44	23	)	)	PUNCT
inlawrev-18339	44	24	,	,	PUNCT
inlawrev-18339	44	25	available	available	ADJ
inlawrev-18339	44	26	at	at	ADP
inlawrev-18339	44	27	http://www.huduser.org/publications/	http://www.huduser.org/publications/	X
inlawrev-18339	44	28	pdf	pdf	NOUN
inlawrev-18339	44	29	/	/	SYM
inlawrev-18339	44	30	recenthouseprice.pdf	recenthouseprice.pdf	PROPN
inlawrev-18339	44	31	.	.	NOUN
inlawrev-18339	45	1	8	8	X
inlawrev-18339	45	2	.	.	X
inlawrev-18339	45	3	see	see	VERB
inlawrev-18339	45	4	fair	fair	ADJ
inlawrev-18339	45	5	lending	lending	NOUN
inlawrev-18339	45	6	,	,	PUNCT
inlawrev-18339	45	7	u.s	u.s	PROPN
inlawrev-18339	45	8	.	.	PROPN
inlawrev-18339	45	9	dep’t	dep’t	NOUN
inlawrev-18339	45	10	of	of	ADP
inlawrev-18339	45	11	housing	housing	PROPN
inlawrev-18339	45	12	&	&	CCONJ
inlawrev-18339	45	13	urban	urban	PROPN
inlawrev-18339	45	14	dev	dev	PROPN
inlawrev-18339	45	15	.	.	PROPN
inlawrev-18339	45	16	,	,	PUNCT
inlawrev-18339	45	17	http://portal.hud.gov/	http://portal.hud.gov/	PROPN
inlawrev-18339	45	18	hudportal	hudportal	PROPN
inlawrev-18339	45	19	/	/	SYM
inlawrev-18339	45	20	hud?src=/topics	hud?src=/topic	NOUN
inlawrev-18339	45	21	/	/	SYM
inlawrev-18339	45	22	fair_lending	fair_lending	PROPN
inlawrev-18339	45	23	(	(	PUNCT
inlawrev-18339	45	24	last	last	ADV
inlawrev-18339	45	25	visited	visit	VERB
inlawrev-18339	45	26	jan	jan	PROPN
inlawrev-18339	45	27	.	.	PROPN
inlawrev-18339	45	28	24	24	NUM
inlawrev-18339	45	29	,	,	PUNCT
inlawrev-18339	45	30	2014	2014	NUM
inlawrev-18339	45	31	)	)	PUNCT
inlawrev-18339	45	32	(	(	PUNCT
inlawrev-18339	45	33	“	"	PUNCT
inlawrev-18339	45	34	[	[	X
inlawrev-18339	45	35	s]ubprime	s]ubprime	ADJ
inlawrev-18339	45	36	lenders	lender	NOUN
inlawrev-18339	45	37	are	be	AUX
inlawrev-18339	45	38	largely	largely	ADV
inlawrev-18339	45	39	unregulated	unregulate	VERB
inlawrev-18339	45	40	by	by	ADP
inlawrev-18339	45	41	the	the	DET
inlawrev-18339	45	42	federal	federal	ADJ
inlawrev-18339	45	43	government	government	NOUN
inlawrev-18339	45	44	.	.	PUNCT
inlawrev-18339	45	45	”	"	PUNCT
inlawrev-18339	45	46	)	)	PUNCT
inlawrev-18339	45	47	.	.	PUNCT
inlawrev-18339	46	1	9	9	X
inlawrev-18339	46	2	.	.	X
inlawrev-18339	46	3	fin	fin	NOUN
inlawrev-18339	46	4	.	.	PUNCT
inlawrev-18339	47	1	crisis	crisis	NOUN
inlawrev-18339	47	2	inquiry	inquiry	NOUN
inlawrev-18339	47	3	comm’n	comm’n	NOUN
inlawrev-18339	47	4	,	,	PUNCT
inlawrev-18339	47	5	supra	supra	ADJ
inlawrev-18339	47	6	note	note	NOUN
inlawrev-18339	47	7	2	2	NUM
inlawrev-18339	47	8	,	,	PUNCT
inlawrev-18339	47	9	at	at	ADP
inlawrev-18339	47	10	155	155	NUM
inlawrev-18339	47	11	.	.	PUNCT
inlawrev-18339	47	12	10	10	NUM
inlawrev-18339	47	13	.	.	PUNCT
inlawrev-18339	48	1	i	i	PRON
inlawrev-18339	48	2	d.	d.	PROPN
inlawrev-18339	48	3	at	at	ADP
inlawrev-18339	48	4	107	107	NUM
inlawrev-18339	48	5	-	-	SYM
inlawrev-18339	48	6	09	09	NUM
inlawrev-18339	48	7	.	.	PUNCT
inlawrev-18339	49	1	11	11	NUM
inlawrev-18339	49	2	.	.	PUNCT
inlawrev-18339	50	1	see	see	VERB
inlawrev-18339	50	2	c.	c.	PROPN
inlawrev-18339	50	3	alan	alan	PROPN
inlawrev-18339	50	4	garner	garner	PROPN
inlawrev-18339	50	5	,	,	PUNCT
inlawrev-18339	50	6	should	should	AUX
inlawrev-18339	50	7	the	the	DET
inlawrev-18339	50	8	decline	decline	NOUN
inlawrev-18339	50	9	in	in	ADP
inlawrev-18339	50	10	the	the	DET
inlawrev-18339	50	11	personal	personal	ADJ
inlawrev-18339	50	12	saving	saving	NOUN
inlawrev-18339	50	13	rate	rate	NOUN
inlawrev-18339	50	14	be	be	AUX
inlawrev-18339	50	15	a	a	DET
inlawrev-18339	50	16	cause	cause	NOUN
inlawrev-18339	50	17	for	for	ADP
inlawrev-18339	50	18	concern	concern	NOUN
inlawrev-18339	50	19	?	?	PUNCT
inlawrev-18339	50	20	,	,	PUNCT
inlawrev-18339	50	21	fed	fed	PROPN
inlawrev-18339	50	22	.	.	PUNCT
inlawrev-18339	51	1	res	res	PROPN
inlawrev-18339	51	2	.	.	PUNCT
inlawrev-18339	52	1	bank	bank	PROPN
inlawrev-18339	52	2	of	of	ADP
inlawrev-18339	52	3	kansas	kansas	PROPN
inlawrev-18339	52	4	city	city	PROPN
inlawrev-18339	52	5	8	8	NUM
inlawrev-18339	52	6	-	-	SYM
inlawrev-18339	52	7	9	9	NUM
inlawrev-18339	52	8	(	(	PUNCT
inlawrev-18339	52	9	2006	2006	NUM
inlawrev-18339	52	10	)	)	PUNCT
inlawrev-18339	52	11	,	,	PUNCT
inlawrev-18339	52	12	available	available	ADJ
inlawrev-18339	52	13	at	at	ADP
inlawrev-18339	52	14	http://www.kc.frb.org/	http://www.kc.frb.org/	PROPN
inlawrev-18339	52	15	publicat	publicat	PROPN
inlawrev-18339	52	16	/	/	SYM
inlawrev-18339	52	17	econrev	econrev	PROPN
inlawrev-18339	52	18	/	/	SYM
inlawrev-18339	52	19	pdf/2q06garn.pdf	pdf/2q06garn.pdf	PROPN
inlawrev-18339	52	20	.	.	PUNCT
inlawrev-18339	52	21	2014	2014	NUM
inlawrev-18339	52	22	]	]	PUNCT
inlawrev-18339	52	23	perspectives	perspective	NOUN
inlawrev-18339	52	24	on	on	ADP
inlawrev-18339	52	25	the	the	DET
inlawrev-18339	52	26	financial	financial	ADJ
inlawrev-18339	52	27	crisis	crisis	NOUN
inlawrev-18339	52	28	25	25	NUM
inlawrev-18339	52	29	banks	bank	NOUN
inlawrev-18339	52	30	,	,	PUNCT
inlawrev-18339	52	31	such	such	ADJ
inlawrev-18339	52	32	as	as	ADP
inlawrev-18339	52	33	indymac	indymac	NOUN
inlawrev-18339	52	34	and	and	CCONJ
inlawrev-18339	52	35	lehman	lehman	PROPN
inlawrev-18339	52	36	brothers	brother	NOUN
inlawrev-18339	52	37	,	,	PUNCT
inlawrev-18339	52	38	liquidity	liquidity	NOUN
inlawrev-18339	52	39	dried	dry	VERB
inlawrev-18339	52	40	up	up	ADP
inlawrev-18339	52	41	and	and	CCONJ
inlawrev-18339	52	42	panic	panic	NOUN
inlawrev-18339	52	43	ensued	ensue	VERB
inlawrev-18339	52	44	.	.	PUNCT
inlawrev-18339	53	1	ultimately	ultimately	ADV
inlawrev-18339	53	2	,	,	PUNCT
inlawrev-18339	53	3	lack	lack	NOUN
inlawrev-18339	53	4	of	of	ADP
inlawrev-18339	53	5	effective	effective	ADJ
inlawrev-18339	53	6	oversight	oversight	NOUN
inlawrev-18339	53	7	of	of	ADP
inlawrev-18339	53	8	the	the	DET
inlawrev-18339	53	9	shadow	shadow	NOUN
inlawrev-18339	53	10	banking	banking	NOUN
inlawrev-18339	53	11	system	system	NOUN
inlawrev-18339	53	12	and	and	CCONJ
inlawrev-18339	53	13	congressional	congressional	ADJ
inlawrev-18339	53	14	meddling	meddling	NOUN
inlawrev-18339	53	15	in	in	ADP
inlawrev-18339	53	16	housing	housing	NOUN
inlawrev-18339	53	17	policy	policy	NOUN
inlawrev-18339	53	18	played	play	VERB
inlawrev-18339	53	19	a	a	DET
inlawrev-18339	53	20	large	large	ADJ
inlawrev-18339	53	21	role	role	NOUN
inlawrev-18339	53	22	in	in	ADP
inlawrev-18339	53	23	the	the	DET
inlawrev-18339	53	24	crisis	crisis	NOUN
inlawrev-18339	53	25	,	,	PUNCT
inlawrev-18339	53	26	but	but	CCONJ
inlawrev-18339	53	27	so	so	ADV
inlawrev-18339	53	28	too	too	ADV
inlawrev-18339	53	29	did	do	AUX
inlawrev-18339	53	30	banks	bank	NOUN
inlawrev-18339	53	31	continuing	continue	VERB
inlawrev-18339	53	32	to	to	PART
inlawrev-18339	53	33	compete	compete	VERB
inlawrev-18339	53	34	for	for	ADP
inlawrev-18339	53	35	loans	loan	NOUN
inlawrev-18339	53	36	well	well	ADV
inlawrev-18339	53	37	past	past	ADP
inlawrev-18339	53	38	the	the	DET
inlawrev-18339	53	39	point	point	NOUN
inlawrev-18339	53	40	where	where	SCONJ
inlawrev-18339	53	41	it	it	PRON
inlawrev-18339	53	42	made	make	VERB
inlawrev-18339	53	43	economic	economic	ADJ
inlawrev-18339	53	44	sense.12	sense.12	NOUN
inlawrev-18339	53	45	it	it	PRON
inlawrev-18339	53	46	’s	’	VERB
inlawrev-18339	53	47	important	important	ADJ
inlawrev-18339	53	48	to	to	PART
inlawrev-18339	53	49	remember	remember	VERB
inlawrev-18339	53	50	that	that	SCONJ
inlawrev-18339	53	51	,	,	PUNCT
inlawrev-18339	53	52	at	at	ADP
inlawrev-18339	53	53	this	this	DET
inlawrev-18339	53	54	time	time	NOUN
inlawrev-18339	53	55	,	,	PUNCT
inlawrev-18339	53	56	fear	fear	NOUN
inlawrev-18339	53	57	was	be	AUX
inlawrev-18339	53	58	rampant	rampant	ADJ
inlawrev-18339	53	59	that	that	SCONJ
inlawrev-18339	53	60	the	the	DET
inlawrev-18339	53	61	banking	banking	NOUN
inlawrev-18339	53	62	system	system	NOUN
inlawrev-18339	53	63	would	would	AUX
inlawrev-18339	53	64	collapse	collapse	VERB
inlawrev-18339	53	65	and	and	CCONJ
inlawrev-18339	53	66	all	all	DET
inlawrev-18339	53	67	banks	bank	NOUN
inlawrev-18339	53	68	would	would	AUX
inlawrev-18339	53	69	be	be	AUX
inlawrev-18339	53	70	nationalized	nationalize	VERB
inlawrev-18339	53	71	.	.	PUNCT
inlawrev-18339	54	1	it	it	PRON
inlawrev-18339	54	2	seemed	seem	VERB
inlawrev-18339	54	3	that	that	SCONJ
inlawrev-18339	54	4	the	the	DET
inlawrev-18339	54	5	world	world	NOUN
inlawrev-18339	54	6	was	be	AUX
inlawrev-18339	54	7	teetering	teeter	VERB
inlawrev-18339	54	8	on	on	ADP
inlawrev-18339	54	9	the	the	DET
inlawrev-18339	54	10	brink	brink	NOUN
inlawrev-18339	54	11	of	of	ADP
inlawrev-18339	54	12	disaster	disaster	NOUN
inlawrev-18339	54	13	.	.	PUNCT
inlawrev-18339	55	1	even	even	ADV
inlawrev-18339	55	2	to	to	ADP
inlawrev-18339	55	3	me	i	PRON
inlawrev-18339	55	4	,	,	PUNCT
inlawrev-18339	55	5	it	it	PRON
inlawrev-18339	55	6	seems	seem	VERB
inlawrev-18339	55	7	hard	hard	ADJ
inlawrev-18339	55	8	to	to	PART
inlawrev-18339	55	9	believe	believe	VERB
inlawrev-18339	55	10	the	the	DET
inlawrev-18339	55	11	severity	severity	NOUN
inlawrev-18339	55	12	of	of	ADP
inlawrev-18339	55	13	the	the	DET
inlawrev-18339	55	14	events	event	NOUN
inlawrev-18339	55	15	and	and	CCONJ
inlawrev-18339	55	16	the	the	DET
inlawrev-18339	55	17	negative	negative	ADJ
inlawrev-18339	55	18	sentiment	sentiment	NOUN
inlawrev-18339	55	19	that	that	PRON
inlawrev-18339	55	20	was	be	AUX
inlawrev-18339	55	21	pervasive	pervasive	ADJ
inlawrev-18339	55	22	at	at	ADP
inlawrev-18339	55	23	the	the	DET
inlawrev-18339	55	24	time	time	NOUN
inlawrev-18339	55	25	.	.	PUNCT
inlawrev-18339	56	1	but	but	CCONJ
inlawrev-18339	56	2	it	it	PRON
inlawrev-18339	56	3	was	be	AUX
inlawrev-18339	56	4	real	real	ADJ
inlawrev-18339	56	5	—	—	PUNCT
inlawrev-18339	56	6	i	i	PRON
inlawrev-18339	56	7	know	know	VERB
inlawrev-18339	56	8	,	,	PUNCT
inlawrev-18339	56	9	i	i	PRON
inlawrev-18339	56	10	was	be	AUX
inlawrev-18339	56	11	there	there	ADV
inlawrev-18339	56	12	.	.	PUNCT
inlawrev-18339	57	1	as	as	ADP
inlawrev-18339	57	2	a	a	DET
inlawrev-18339	57	3	result	result	NOUN
inlawrev-18339	57	4	of	of	ADP
inlawrev-18339	57	5	the	the	DET
inlawrev-18339	57	6	impending	impending	ADJ
inlawrev-18339	57	7	crisis	crisis	NOUN
inlawrev-18339	57	8	,	,	PUNCT
inlawrev-18339	57	9	the	the	DET
inlawrev-18339	57	10	bush	bush	PROPN
inlawrev-18339	57	11	administration	administration	PROPN
inlawrev-18339	57	12	and	and	CCONJ
inlawrev-18339	57	13	congress	congress	PROPN
inlawrev-18339	57	14	implemented	implement	VERB
inlawrev-18339	57	15	the	the	DET
inlawrev-18339	57	16	emergency	emergency	NOUN
inlawrev-18339	57	17	economic	economic	ADJ
inlawrev-18339	57	18	stabilization	stabilization	NOUN
inlawrev-18339	57	19	act	act	NOUN
inlawrev-18339	57	20	in	in	ADP
inlawrev-18339	57	21	early	early	ADJ
inlawrev-18339	57	22	october	october	PROPN
inlawrev-18339	57	23	2008.13	2008.13	NUM
inlawrev-18339	57	24	this	this	DET
inlawrev-18339	57	25	bill	bill	NOUN
inlawrev-18339	57	26	was	be	AUX
inlawrev-18339	57	27	designed	design	VERB
inlawrev-18339	57	28	to	to	PART
inlawrev-18339	57	29	restore	restore	VERB
inlawrev-18339	57	30	liquidity	liquidity	NOUN
inlawrev-18339	57	31	and	and	CCONJ
inlawrev-18339	57	32	consumer	consumer	NOUN
inlawrev-18339	57	33	confidence	confidence	NOUN
inlawrev-18339	57	34	in	in	ADP
inlawrev-18339	57	35	the	the	DET
inlawrev-18339	57	36	financial	financial	ADJ
inlawrev-18339	57	37	markets.14	markets.14	NOUN
inlawrev-18339	57	38	the	the	DET
inlawrev-18339	57	39	most	most	ADV
inlawrev-18339	57	40	well	well	ADV
inlawrev-18339	57	41	-	-	PUNCT
inlawrev-18339	57	42	known	know	VERB
inlawrev-18339	57	43	component	component	NOUN
inlawrev-18339	57	44	of	of	ADP
inlawrev-18339	57	45	this	this	DET
inlawrev-18339	57	46	bill	bill	NOUN
inlawrev-18339	57	47	was	be	AUX
inlawrev-18339	57	48	the	the	DET
inlawrev-18339	57	49	troubled	troubled	ADJ
inlawrev-18339	57	50	asset	asset	NOUN
inlawrev-18339	57	51	relief	relief	NOUN
inlawrev-18339	57	52	program	program	NOUN
inlawrev-18339	57	53	(	(	PUNCT
inlawrev-18339	57	54	tarp	tarp	NOUN
inlawrev-18339	57	55	)	)	PUNCT
inlawrev-18339	57	56	,	,	PUNCT
inlawrev-18339	57	57	which	which	PRON
inlawrev-18339	57	58	was	be	AUX
inlawrev-18339	57	59	designed	design	VERB
inlawrev-18339	57	60	to	to	PART
inlawrev-18339	57	61	enable	enable	VERB
inlawrev-18339	57	62	the	the	DET
inlawrev-18339	57	63	u.s	u.s	PROPN
inlawrev-18339	57	64	.	.	PROPN
inlawrev-18339	57	65	treasury	treasury	PROPN
inlawrev-18339	57	66	to	to	PART
inlawrev-18339	57	67	purchase	purchase	VERB
inlawrev-18339	57	68	preferred	preferred	ADJ
inlawrev-18339	57	69	shares	share	NOUN
inlawrev-18339	57	70	in	in	ADP
inlawrev-18339	57	71	healthy	healthy	ADJ
inlawrev-18339	57	72	u.s	u.s	PROPN
inlawrev-18339	57	73	.	.	PROPN
inlawrev-18339	57	74	banks.15	banks.15	PROPN
inlawrev-18339	57	75	while	while	SCONJ
inlawrev-18339	57	76	we	we	PRON
inlawrev-18339	57	77	at	at	ADP
inlawrev-18339	57	78	fifth	fifth	ADJ
inlawrev-18339	57	79	third	third	NOUN
inlawrev-18339	57	80	were	be	AUX
inlawrev-18339	57	81	initially	initially	ADV
inlawrev-18339	57	82	relieved	relieve	VERB
inlawrev-18339	57	83	about	about	ADP
inlawrev-18339	57	84	our	our	PRON
inlawrev-18339	57	85	participation	participation	NOUN
inlawrev-18339	57	86	in	in	ADP
inlawrev-18339	57	87	the	the	DET
inlawrev-18339	57	88	program	program	NOUN
inlawrev-18339	57	89	,	,	PUNCT
inlawrev-18339	57	90	we	we	PRON
inlawrev-18339	57	91	soon	soon	ADV
inlawrev-18339	57	92	learned	learn	VERB
inlawrev-18339	57	93	tarp	tarp	NOUN
inlawrev-18339	57	94	carried	carry	VERB
inlawrev-18339	57	95	quite	quite	DET
inlawrev-18339	57	96	a	a	DET
inlawrev-18339	57	97	stigma	stigma	NOUN
inlawrev-18339	57	98	for	for	ADP
inlawrev-18339	57	99	the	the	DET
inlawrev-18339	57	100	participating	participate	VERB
inlawrev-18339	57	101	banks	bank	NOUN
inlawrev-18339	57	102	.	.	PUNCT
inlawrev-18339	58	1	it	it	PRON
inlawrev-18339	58	2	was	be	AUX
inlawrev-18339	58	3	common	common	ADJ
inlawrev-18339	58	4	to	to	PART
inlawrev-18339	58	5	hear	hear	VERB
inlawrev-18339	58	6	the	the	DET
inlawrev-18339	58	7	word	word	NOUN
inlawrev-18339	58	8	“	"	PUNCT
inlawrev-18339	58	9	bailout	bailout	NOUN
inlawrev-18339	58	10	”	"	PUNCT
inlawrev-18339	58	11	associated	associate	VERB
inlawrev-18339	58	12	with	with	ADP
inlawrev-18339	58	13	the	the	DET
inlawrev-18339	58	14	program	program	NOUN
inlawrev-18339	58	15	.	.	PUNCT
inlawrev-18339	59	1	truth	truth	NOUN
inlawrev-18339	59	2	is	be	AUX
inlawrev-18339	59	3	,	,	PUNCT
inlawrev-18339	59	4	tarp	tarp	NOUN
inlawrev-18339	59	5	was	be	AUX
inlawrev-18339	59	6	never	never	ADV
inlawrev-18339	59	7	a	a	DET
inlawrev-18339	59	8	bailout	bailout	NOUN
inlawrev-18339	59	9	.	.	PUNCT
inlawrev-18339	60	1	it	it	PRON
inlawrev-18339	60	2	was	be	AUX
inlawrev-18339	60	3	an	an	DET
inlawrev-18339	60	4	investment	investment	NOUN
inlawrev-18339	60	5	made	make	VERB
inlawrev-18339	60	6	by	by	ADP
inlawrev-18339	60	7	the	the	DET
inlawrev-18339	60	8	government	government	NOUN
inlawrev-18339	60	9	in	in	ADP
inlawrev-18339	60	10	banks	bank	NOUN
inlawrev-18339	60	11	of	of	ADP
inlawrev-18339	60	12	all	all	DET
inlawrev-18339	60	13	sizes	size	NOUN
inlawrev-18339	60	14	to	to	PART
inlawrev-18339	60	15	shore	shore	VERB
inlawrev-18339	60	16	up	up	ADP
inlawrev-18339	60	17	their	their	PRON
inlawrev-18339	60	18	capital	capital	NOUN
inlawrev-18339	60	19	positions	position	NOUN
inlawrev-18339	60	20	and	and	CCONJ
inlawrev-18339	60	21	encourage	encourage	VERB
inlawrev-18339	60	22	them	they	PRON
inlawrev-18339	60	23	to	to	PART
inlawrev-18339	60	24	make	make	VERB
inlawrev-18339	60	25	loans	loan	NOUN
inlawrev-18339	60	26	to	to	PART
inlawrev-18339	60	27	help	help	VERB
inlawrev-18339	60	28	spur	spur	VERB
inlawrev-18339	60	29	the	the	DET
inlawrev-18339	60	30	u.s	u.s	PROPN
inlawrev-18339	60	31	.	.	PROPN
inlawrev-18339	60	32	economy.16	economy.16	PROPN
inlawrev-18339	60	33	under	under	ADP
inlawrev-18339	60	34	tarp	tarp	NOUN
inlawrev-18339	60	35	,	,	PUNCT
inlawrev-18339	60	36	the	the	DET
inlawrev-18339	60	37	government	government	NOUN
inlawrev-18339	60	38	invested	invest	VERB
inlawrev-18339	60	39	$	$	SYM
inlawrev-18339	60	40	245	245	NUM
inlawrev-18339	60	41	billion	billion	NUM
inlawrev-18339	60	42	in	in	ADP
inlawrev-18339	60	43	banks	bank	NOUN
inlawrev-18339	60	44	,	,	PUNCT
inlawrev-18339	60	45	and	and	CCONJ
inlawrev-18339	60	46	,	,	PUNCT
inlawrev-18339	60	47	as	as	ADP
inlawrev-18339	60	48	of	of	ADP
inlawrev-18339	60	49	september	september	PROPN
inlawrev-18339	60	50	2012	2012	NUM
inlawrev-18339	60	51	,	,	PUNCT
inlawrev-18339	60	52	banks	bank	NOUN
inlawrev-18339	60	53	repaid	repay	VERB
inlawrev-18339	60	54	the	the	DET
inlawrev-18339	60	55	government	government	NOUN
inlawrev-18339	60	56	$	$	SYM
inlawrev-18339	60	57	267	267	NUM
inlawrev-18339	60	58	billion	billion	NUM
inlawrev-18339	60	59	through	through	ADP
inlawrev-18339	60	60	principal	principal	NOUN
inlawrev-18339	60	61	and	and	CCONJ
inlawrev-18339	60	62	interest.17	interest.17	NOUN
inlawrev-18339	60	63	that	that	PRON
inlawrev-18339	60	64	’s	’	VERB
inlawrev-18339	60	65	a	a	DET
inlawrev-18339	60	66	$	$	SYM
inlawrev-18339	60	67	21	21	NUM
inlawrev-18339	60	68	billion	billion	NUM
inlawrev-18339	60	69	profit	profit	NOUN
inlawrev-18339	60	70	to	to	ADP
inlawrev-18339	60	71	taxpayers	taxpayer	NOUN
inlawrev-18339	60	72	.	.	PUNCT
inlawrev-18339	61	1	specifically	specifically	ADV
inlawrev-18339	61	2	,	,	PUNCT
inlawrev-18339	61	3	fifth	fifth	ADJ
inlawrev-18339	61	4	third	third	ADJ
inlawrev-18339	61	5	bank	bank	NOUN
inlawrev-18339	61	6	paid	pay	VERB
inlawrev-18339	61	7	back	back	ADP
inlawrev-18339	61	8	more	more	ADJ
inlawrev-18339	61	9	than	than	ADP
inlawrev-18339	61	10	$	$	SYM
inlawrev-18339	61	11	170	170	NUM
inlawrev-18339	61	12	million	million	NUM
inlawrev-18339	61	13	per	per	ADP
inlawrev-18339	61	14	year	year	NOUN
inlawrev-18339	61	15	—	—	PUNCT
inlawrev-18339	61	16	a	a	DET
inlawrev-18339	61	17	total	total	NOUN
inlawrev-18339	61	18	of	of	ADP
inlawrev-18339	61	19	$	$	SYM
inlawrev-18339	61	20	346	346	NUM
inlawrev-18339	61	21	million	million	NUM
inlawrev-18339	61	22	in	in	ADP
inlawrev-18339	61	23	preferred	preferred	ADJ
inlawrev-18339	61	24	dividends.18	dividends.18	NOUN
inlawrev-18339	61	25	in	in	ADP
inlawrev-18339	61	26	theory	theory	NOUN
inlawrev-18339	61	27	,	,	PUNCT
inlawrev-18339	61	28	the	the	DET
inlawrev-18339	61	29	concept	concept	NOUN
inlawrev-18339	61	30	of	of	ADP
inlawrev-18339	61	31	tarp	tarp	NOUN
inlawrev-18339	61	32	was	be	AUX
inlawrev-18339	61	33	a	a	DET
inlawrev-18339	61	34	good	good	ADJ
inlawrev-18339	61	35	one	one	NOUN
inlawrev-18339	61	36	—	—	PUNCT
inlawrev-18339	61	37	it	it	PRON
inlawrev-18339	61	38	was	be	AUX
inlawrev-18339	61	39	all	all	ADV
inlawrev-18339	61	40	about	about	ADP
inlawrev-18339	61	41	restoring	restore	VERB
inlawrev-18339	61	42	confidence	confidence	NOUN
inlawrev-18339	61	43	in	in	ADP
inlawrev-18339	61	44	the	the	DET
inlawrev-18339	61	45	system	system	NOUN
inlawrev-18339	61	46	.	.	PUNCT
inlawrev-18339	62	1	in	in	ADP
inlawrev-18339	62	2	reality	reality	NOUN
inlawrev-18339	62	3	,	,	PUNCT
inlawrev-18339	62	4	it	it	PRON
inlawrev-18339	62	5	became	become	VERB
inlawrev-18339	62	6	,	,	PUNCT
inlawrev-18339	62	7	as	as	SCONJ
inlawrev-18339	62	8	one	one	NUM
inlawrev-18339	62	9	of	of	ADP
inlawrev-18339	62	10	my	my	PRON
inlawrev-18339	62	11	colleagues	colleague	NOUN
inlawrev-18339	62	12	deemed	deem	VERB
inlawrev-18339	62	13	it	it	PRON
inlawrev-18339	62	14	,	,	PUNCT
inlawrev-18339	62	15	a	a	DET
inlawrev-18339	62	16	scarlet	scarlet	ADJ
inlawrev-18339	62	17	letter	letter	NOUN
inlawrev-18339	62	18	.	.	PUNCT
inlawrev-18339	63	1	was	be	AUX
inlawrev-18339	63	2	tarp	tarp	NOUN
inlawrev-18339	63	3	necessary	necessary	ADJ
inlawrev-18339	63	4	?	?	PUNCT
inlawrev-18339	64	1	i	i	PRON
inlawrev-18339	64	2	could	could	AUX
inlawrev-18339	64	3	make	make	VERB
inlawrev-18339	64	4	arguments	argument	NOUN
inlawrev-18339	64	5	on	on	ADP
inlawrev-18339	64	6	both	both	DET
inlawrev-18339	64	7	sides	side	NOUN
inlawrev-18339	64	8	.	.	PUNCT
inlawrev-18339	65	1	when	when	SCONJ
inlawrev-18339	65	2	the	the	DET
inlawrev-18339	65	3	12	12	NUM
inlawrev-18339	65	4	.	.	PUNCT
inlawrev-18339	66	1	fin	fin	NOUN
inlawrev-18339	66	2	.	.	PUNCT
inlawrev-18339	67	1	crisis	crisis	NOUN
inlawrev-18339	67	2	inquiry	inquiry	NOUN
inlawrev-18339	67	3	comm’n	comm’n	NOUN
inlawrev-18339	67	4	,	,	PUNCT
inlawrev-18339	67	5	supra	supra	ADJ
inlawrev-18339	67	6	note	note	NOUN
inlawrev-18339	67	7	2	2	NUM
inlawrev-18339	67	8	,	,	PUNCT
inlawrev-18339	67	9	at	at	ADP
inlawrev-18339	67	10	444	444	NUM
inlawrev-18339	67	11	-	-	SYM
inlawrev-18339	67	12	45	45	NUM
inlawrev-18339	67	13	.	.	NOUN
inlawrev-18339	67	14	13	13	NUM
inlawrev-18339	67	15	.	.	PUNCT
inlawrev-18339	68	1	emergency	emergency	NOUN
inlawrev-18339	68	2	economic	economic	ADJ
inlawrev-18339	68	3	stabilization	stabilization	NOUN
inlawrev-18339	68	4	act	act	NOUN
inlawrev-18339	68	5	of	of	ADP
inlawrev-18339	68	6	2008	2008	NUM
inlawrev-18339	68	7	,	,	PUNCT
inlawrev-18339	68	8	pub	pub	NOUN
inlawrev-18339	68	9	.	.	PUNCT
inlawrev-18339	69	1	l.	l.	PROPN
inlawrev-18339	69	2	no	no	INTJ
inlawrev-18339	69	3	.	.	PROPN
inlawrev-18339	70	1	110	110	NUM
inlawrev-18339	70	2	-	-	SYM
inlawrev-18339	70	3	343	343	NUM
inlawrev-18339	70	4	,	,	PUNCT
inlawrev-18339	70	5	122	122	NUM
inlawrev-18339	70	6	stat	stat	NOUN
inlawrev-18339	70	7	.	.	PUNCT
inlawrev-18339	71	1	3765	3765	NUM
inlawrev-18339	71	2	(	(	PUNCT
inlawrev-18339	71	3	2008	2008	NUM
inlawrev-18339	71	4	)	)	PUNCT
inlawrev-18339	71	5	.	.	PUNCT
inlawrev-18339	72	1	14	14	NUM
inlawrev-18339	72	2	.	.	PUNCT
inlawrev-18339	73	1	i	i	PRON
inlawrev-18339	73	2	d.	d.	PROPN
inlawrev-18339	73	3	§	§	PROPN
inlawrev-18339	73	4	2	2	NUM
inlawrev-18339	73	5	.	.	NOUN
inlawrev-18339	73	6	15	15	NUM
inlawrev-18339	73	7	.	.	PUNCT
inlawrev-18339	74	1	emergency	emergency	NOUN
inlawrev-18339	74	2	economic	economic	ADJ
inlawrev-18339	74	3	stabilization	stabilization	NOUN
inlawrev-18339	74	4	act	act	NOUN
inlawrev-18339	74	5	of	of	ADP
inlawrev-18339	74	6	2008	2008	NUM
inlawrev-18339	74	7	,	,	PUNCT
inlawrev-18339	74	8	pub	pub	NOUN
inlawrev-18339	74	9	.	.	PUNCT
inlawrev-18339	75	1	l.	l.	PROPN
inlawrev-18339	75	2	no	no	INTJ
inlawrev-18339	75	3	.	.	PROPN
inlawrev-18339	76	1	110	110	NUM
inlawrev-18339	76	2	-	-	SYM
inlawrev-18339	76	3	343	343	NUM
inlawrev-18339	76	4	,	,	PUNCT
inlawrev-18339	76	5	tit	tit	NOUN
inlawrev-18339	76	6	.	.	NOUN
inlawrev-18339	76	7	1	1	NUM
inlawrev-18339	76	8	,	,	PUNCT
inlawrev-18339	76	9	§	§	PROPN
inlawrev-18339	76	10	101	101	NUM
inlawrev-18339	76	11	,	,	PUNCT
inlawrev-18339	76	12	122	122	NUM
inlawrev-18339	76	13	stat	stat	NOUN
inlawrev-18339	76	14	.	.	PUNCT
inlawrev-18339	77	1	3765	3765	NUM
inlawrev-18339	77	2	(	(	PUNCT
inlawrev-18339	77	3	2008	2008	NUM
inlawrev-18339	77	4	)	)	PUNCT
inlawrev-18339	77	5	.	.	PUNCT
inlawrev-18339	78	1	16	16	NUM
inlawrev-18339	78	2	.	.	PUNCT
inlawrev-18339	79	1	why	why	SCONJ
inlawrev-18339	79	2	tarp	tarp	NOUN
inlawrev-18339	79	3	was	be	AUX
inlawrev-18339	79	4	necessary	necessary	ADJ
inlawrev-18339	79	5	,	,	PUNCT
inlawrev-18339	79	6	u.s	u.s	PROPN
inlawrev-18339	79	7	.	.	PROPN
inlawrev-18339	79	8	dep’t	dep’t	NOUN
inlawrev-18339	79	9	of	of	ADP
inlawrev-18339	79	10	the	the	DET
inlawrev-18339	79	11	treasury	treasury	PROPN
inlawrev-18339	79	12	,	,	PUNCT
inlawrev-18339	79	13	http://www.treasury.gov/	http://www.treasury.gov/	NOUN
inlawrev-18339	79	14	initiatives	initiative	NOUN
inlawrev-18339	79	15	/	/	SYM
inlawrev-18339	79	16	financial	financial	ADJ
inlawrev-18339	79	17	-	-	PUNCT
inlawrev-18339	79	18	stability	stability	NOUN
inlawrev-18339	79	19	/	/	SYM
inlawrev-18339	79	20	about	about	ADP
inlawrev-18339	79	21	-	-	PUNCT
inlawrev-18339	79	22	tarp	tarp	NOUN
inlawrev-18339	79	23	/	/	SYM
inlawrev-18339	79	24	pages	page	NOUN
inlawrev-18339	79	25	/	/	SYM
inlawrev-18339	79	26	why	why	SCONJ
inlawrev-18339	79	27	-	-	PUNCT
inlawrev-18339	79	28	tarp	tarp	NOUN
inlawrev-18339	79	29	-	-	PUNCT
inlawrev-18339	79	30	was	be	AUX
inlawrev-18339	79	31	-	-	PUNCT
inlawrev-18339	79	32	necessary.aspx	necessary.aspx	NOUN
inlawrev-18339	79	33	(	(	PUNCT
inlawrev-18339	79	34	last	last	ADV
inlawrev-18339	79	35	visited	visit	VERB
inlawrev-18339	79	36	jan	jan	PROPN
inlawrev-18339	79	37	.	.	PROPN
inlawrev-18339	79	38	24	24	NUM
inlawrev-18339	79	39	,	,	PUNCT
inlawrev-18339	79	40	2014	2014	NUM
inlawrev-18339	79	41	)	)	PUNCT
inlawrev-18339	79	42	.	.	PUNCT
inlawrev-18339	80	1	17	17	NUM
inlawrev-18339	80	2	.	.	PUNCT
inlawrev-18339	80	3	agency	agency	NOUN
inlawrev-18339	80	4	fin	fin	PROPN
inlawrev-18339	80	5	.	.	PUNCT
inlawrev-18339	81	1	report	report	NOUN
inlawrev-18339	81	2	,	,	PUNCT
inlawrev-18339	81	3	dep’t	dep’t	NOUN
inlawrev-18339	81	4	of	of	ADP
inlawrev-18339	81	5	the	the	DET
inlawrev-18339	81	6	treasury	treasury	NOUN
inlawrev-18339	81	7	,	,	PUNCT
inlawrev-18339	81	8	office	office	NOUN
inlawrev-18339	81	9	of	of	ADP
inlawrev-18339	81	10	fin	fin	NOUN
inlawrev-18339	81	11	.	.	PUNCT
inlawrev-18339	82	1	stability	stability	NOUN
inlawrev-18339	82	2	—	—	PUNCT
inlawrev-18339	82	3	troubled	troubled	ADJ
inlawrev-18339	82	4	asset	asset	NOUN
inlawrev-18339	82	5	relief	relief	NOUN
inlawrev-18339	82	6	program	program	NOUN
inlawrev-18339	82	7	,	,	PUNCT
inlawrev-18339	82	8	at	at	ADP
inlawrev-18339	82	9	viii	viii	NOUN
inlawrev-18339	82	10	(	(	PUNCT
inlawrev-18339	82	11	2012	2012	NUM
inlawrev-18339	82	12	)	)	PUNCT
inlawrev-18339	82	13	,	,	PUNCT
inlawrev-18339	82	14	available	available	ADJ
inlawrev-18339	82	15	at	at	ADP
inlawrev-18339	82	16	http://www.treasury.gov/initiatives/financialstability/reports/documents/2012_ofs_afr_final_11-9-12.pdf	http://www.treasury.gov/initiatives/financialstability/reports/documents/2012_ofs_afr_final_11-9-12.pdf	NOUN
inlawrev-18339	82	17	.	.	PUNCT
inlawrev-18339	83	1	18	18	NUM
inlawrev-18339	83	2	.	.	PUNCT
inlawrev-18339	83	3	annual	annual	ADJ
inlawrev-18339	83	4	report	report	NOUN
inlawrev-18339	83	5	2011	2011	NUM
inlawrev-18339	83	6	,	,	PUNCT
inlawrev-18339	83	7	fifth	fifth	ADJ
inlawrev-18339	83	8	third	third	ADJ
inlawrev-18339	83	9	bankcorp	bankcorp	PROPN
inlawrev-18339	83	10	17	17	NUM
inlawrev-18339	83	11	(	(	PUNCT
inlawrev-18339	83	12	2011	2011	NUM
inlawrev-18339	83	13	)	)	PUNCT
inlawrev-18339	83	14	,	,	PUNCT
inlawrev-18339	83	15	available	available	ADJ
inlawrev-18339	83	16	at	at	ADP
inlawrev-18339	83	17	http://ir.53.com/	http://ir.53.com/	NOUN
inlawrev-18339	83	18	phoenix.zhtml?c=72735&p=quarterlyearnings	phoenix.zhtml?c=72735&p=quarterlyearning	NOUN
inlawrev-18339	83	19	.	.	PUNCT
inlawrev-18339	84	1	26	26	NUM
inlawrev-18339	84	2	indiana	indiana	PROPN
inlawrev-18339	84	3	law	law	PROPN
inlawrev-18339	84	4	review	review	NOUN
inlawrev-18339	84	5	[	[	X
inlawrev-18339	84	6	vol	vol	NOUN
inlawrev-18339	84	7	.	.	PUNCT
inlawrev-18339	84	8	47:23	47:23	NUM
inlawrev-18339	84	9	goal	goal	NOUN
inlawrev-18339	84	10	of	of	ADP
inlawrev-18339	84	11	legislation	legislation	NOUN
inlawrev-18339	84	12	and	and	CCONJ
inlawrev-18339	84	13	government	government	NOUN
inlawrev-18339	84	14	intervention	intervention	NOUN
inlawrev-18339	84	15	is	be	AUX
inlawrev-18339	84	16	to	to	PART
inlawrev-18339	84	17	protect	protect	VERB
inlawrev-18339	84	18	consumers	consumer	NOUN
inlawrev-18339	84	19	or	or	CCONJ
inlawrev-18339	84	20	achieve	achieve	VERB
inlawrev-18339	84	21	a	a	DET
inlawrev-18339	84	22	shared	share	VERB
inlawrev-18339	84	23	goal	goal	NOUN
inlawrev-18339	84	24	,	,	PUNCT
inlawrev-18339	84	25	we	we	PRON
inlawrev-18339	84	26	willingly	willingly	ADV
inlawrev-18339	84	27	accept	accept	VERB
inlawrev-18339	84	28	certain	certain	ADJ
inlawrev-18339	84	29	limitations	limitation	NOUN
inlawrev-18339	84	30	on	on	ADP
inlawrev-18339	84	31	our	our	PRON
inlawrev-18339	84	32	business	business	NOUN
inlawrev-18339	84	33	model	model	NOUN
inlawrev-18339	84	34	.	.	PUNCT
inlawrev-18339	85	1	however	however	ADV
inlawrev-18339	85	2	,	,	PUNCT
inlawrev-18339	85	3	there	there	PRON
inlawrev-18339	85	4	are	be	VERB
inlawrev-18339	85	5	situations	situation	NOUN
inlawrev-18339	85	6	when	when	SCONJ
inlawrev-18339	85	7	legislation	legislation	NOUN
inlawrev-18339	85	8	is	be	AUX
inlawrev-18339	85	9	specifically	specifically	ADV
inlawrev-18339	85	10	designed	design	VERB
inlawrev-18339	85	11	to	to	PART
inlawrev-18339	85	12	hamper	hamper	VERB
inlawrev-18339	85	13	efforts	effort	NOUN
inlawrev-18339	85	14	to	to	PART
inlawrev-18339	85	15	provide	provide	VERB
inlawrev-18339	85	16	the	the	DET
inlawrev-18339	85	17	best	good	ADJ
inlawrev-18339	85	18	service	service	NOUN
inlawrev-18339	85	19	to	to	ADP
inlawrev-18339	85	20	our	our	PRON
inlawrev-18339	85	21	customers	customer	NOUN
inlawrev-18339	85	22	or	or	CCONJ
inlawrev-18339	85	23	in	in	ADP
inlawrev-18339	85	24	delivering	deliver	VERB
inlawrev-18339	85	25	value	value	NOUN
inlawrev-18339	85	26	to	to	ADP
inlawrev-18339	85	27	our	our	PRON
inlawrev-18339	85	28	shareholders	shareholder	NOUN
inlawrev-18339	85	29	.	.	PUNCT
inlawrev-18339	86	1	so	so	ADV
inlawrev-18339	86	2	how	how	SCONJ
inlawrev-18339	86	3	did	do	AUX
inlawrev-18339	86	4	fifth	fifth	ADJ
inlawrev-18339	86	5	third	third	ADJ
inlawrev-18339	86	6	survive	survive	VERB
inlawrev-18339	86	7	the	the	DET
inlawrev-18339	86	8	meltdown	meltdown	NOUN
inlawrev-18339	86	9	?	?	PUNCT
inlawrev-18339	87	1	i	i	PRON
inlawrev-18339	87	2	believe	believe	VERB
inlawrev-18339	87	3	it	it	PRON
inlawrev-18339	87	4	’s	’	VERB
inlawrev-18339	87	5	because	because	SCONJ
inlawrev-18339	87	6	we	we	PRON
inlawrev-18339	87	7	reacted	react	VERB
inlawrev-18339	87	8	quickly	quickly	ADV
inlawrev-18339	87	9	and	and	CCONJ
inlawrev-18339	87	10	decisively	decisively	ADV
inlawrev-18339	87	11	—	—	PUNCT
inlawrev-18339	87	12	well	well	ADV
inlawrev-18339	87	13	ahead	ahead	ADV
inlawrev-18339	87	14	of	of	ADP
inlawrev-18339	87	15	our	our	PRON
inlawrev-18339	87	16	peers	peer	NOUN
inlawrev-18339	87	17	.	.	PUNCT
inlawrev-18339	88	1	in	in	ADP
inlawrev-18339	88	2	the	the	DET
inlawrev-18339	88	3	beginning	beginning	NOUN
inlawrev-18339	88	4	we	we	PRON
inlawrev-18339	88	5	took	take	VERB
inlawrev-18339	88	6	some	some	DET
inlawrev-18339	88	7	heat	heat	NOUN
inlawrev-18339	88	8	for	for	ADP
inlawrev-18339	88	9	those	those	DET
inlawrev-18339	88	10	actions	action	NOUN
inlawrev-18339	88	11	.	.	PUNCT
inlawrev-18339	89	1	we	we	PRON
inlawrev-18339	89	2	raised	raise	VERB
inlawrev-18339	89	3	more	more	ADJ
inlawrev-18339	89	4	than	than	ADP
inlawrev-18339	89	5	a	a	DET
inlawrev-18339	89	6	billion	billion	NUM
inlawrev-18339	89	7	dollars	dollar	NOUN
inlawrev-18339	89	8	of	of	ADP
inlawrev-18339	89	9	capital	capital	NOUN
inlawrev-18339	89	10	.	.	PUNCT
inlawrev-18339	90	1	we	we	PRON
inlawrev-18339	90	2	sold	sell	VERB
inlawrev-18339	90	3	non	non	ADJ
inlawrev-18339	90	4	-	-	ADJ
inlawrev-18339	90	5	core	core	ADJ
inlawrev-18339	90	6	assets	asset	NOUN
inlawrev-18339	90	7	and	and	CCONJ
inlawrev-18339	90	8	cut	cut	VERB
inlawrev-18339	90	9	our	our	PRON
inlawrev-18339	90	10	dividends	dividend	NOUN
inlawrev-18339	90	11	.	.	PUNCT
inlawrev-18339	91	1	we	we	PRON
inlawrev-18339	91	2	refined	refine	VERB
inlawrev-18339	91	3	our	our	PRON
inlawrev-18339	91	4	credit	credit	NOUN
inlawrev-18339	91	5	and	and	CCONJ
inlawrev-18339	91	6	oversight	oversight	NOUN
inlawrev-18339	91	7	practices	practice	NOUN
inlawrev-18339	91	8	.	.	PUNCT
inlawrev-18339	92	1	we	we	PRON
inlawrev-18339	92	2	took	take	VERB
inlawrev-18339	92	3	these	these	DET
inlawrev-18339	92	4	actions	action	NOUN
inlawrev-18339	92	5	certainly	certainly	ADV
inlawrev-18339	92	6	not	not	PART
inlawrev-18339	92	7	because	because	SCONJ
inlawrev-18339	92	8	they	they	PRON
inlawrev-18339	92	9	were	be	AUX
inlawrev-18339	92	10	the	the	DET
inlawrev-18339	92	11	easy	easy	ADJ
inlawrev-18339	92	12	or	or	CCONJ
inlawrev-18339	92	13	popular	popular	ADJ
inlawrev-18339	92	14	things	thing	NOUN
inlawrev-18339	92	15	to	to	PART
inlawrev-18339	92	16	do	do	VERB
inlawrev-18339	92	17	—	—	PUNCT
inlawrev-18339	92	18	far	far	ADV
inlawrev-18339	92	19	from	from	ADP
inlawrev-18339	92	20	it	it	PRON
inlawrev-18339	92	21	.	.	PUNCT
inlawrev-18339	93	1	we	we	PRON
inlawrev-18339	93	2	took	take	VERB
inlawrev-18339	93	3	these	these	DET
inlawrev-18339	93	4	actions	action	NOUN
inlawrev-18339	93	5	because	because	SCONJ
inlawrev-18339	93	6	they	they	PRON
inlawrev-18339	93	7	were	be	AUX
inlawrev-18339	93	8	the	the	DET
inlawrev-18339	93	9	right	right	ADJ
inlawrev-18339	93	10	things	thing	NOUN
inlawrev-18339	93	11	to	to	PART
inlawrev-18339	93	12	do	do	VERB
inlawrev-18339	93	13	.	.	PUNCT
inlawrev-18339	94	1	and	and	CCONJ
inlawrev-18339	94	2	,	,	PUNCT
inlawrev-18339	94	3	as	as	SCONJ
inlawrev-18339	94	4	i	i	PRON
inlawrev-18339	94	5	said	say	VERB
inlawrev-18339	94	6	during	during	ADP
inlawrev-18339	94	7	the	the	DET
inlawrev-18339	94	8	height	height	NOUN
inlawrev-18339	94	9	of	of	ADP
inlawrev-18339	94	10	the	the	DET
inlawrev-18339	94	11	crisis	crisis	NOUN
inlawrev-18339	94	12	and	and	CCONJ
inlawrev-18339	94	13	i	i	PRON
inlawrev-18339	94	14	continued	continue	VERB
inlawrev-18339	94	15	to	to	PART
inlawrev-18339	94	16	say	say	VERB
inlawrev-18339	94	17	years	year	NOUN
inlawrev-18339	94	18	later	later	ADV
inlawrev-18339	94	19	,	,	PUNCT
inlawrev-18339	94	20	making	make	VERB
inlawrev-18339	94	21	the	the	DET
inlawrev-18339	94	22	decisions	decision	NOUN
inlawrev-18339	94	23	we	we	PRON
inlawrev-18339	94	24	did	do	AUX
inlawrev-18339	94	25	made	make	VERB
inlawrev-18339	94	26	fifth	fifth	ADJ
inlawrev-18339	94	27	third	third	ADV
inlawrev-18339	94	28	a	a	PRON
inlawrev-18339	94	29	better	well	ADJ
inlawrev-18339	94	30	,	,	PUNCT
inlawrev-18339	94	31	stronger	strong	ADJ
inlawrev-18339	94	32	,	,	PUNCT
inlawrev-18339	94	33	and	and	CCONJ
inlawrev-18339	94	34	smarter	smart	ADJ
inlawrev-18339	94	35	bank	bank	NOUN
inlawrev-18339	94	36	.	.	PUNCT
inlawrev-18339	95	1	and	and	CCONJ
inlawrev-18339	95	2	now	now	ADV
inlawrev-18339	95	3	we	we	PRON
inlawrev-18339	95	4	are	be	AUX
inlawrev-18339	95	5	seeing	see	VERB
inlawrev-18339	95	6	the	the	DET
inlawrev-18339	95	7	financial	financial	ADJ
inlawrev-18339	95	8	benefits	benefit	NOUN
inlawrev-18339	95	9	of	of	ADP
inlawrev-18339	95	10	those	those	DET
inlawrev-18339	95	11	decisions	decision	NOUN
inlawrev-18339	95	12	.	.	PUNCT
inlawrev-18339	96	1	in	in	ADP
inlawrev-18339	96	2	2012	2012	NUM
inlawrev-18339	96	3	,	,	PUNCT
inlawrev-18339	96	4	fifth	fifth	ADJ
inlawrev-18339	96	5	third	third	NOUN
inlawrev-18339	96	6	’s	’s	PART
inlawrev-18339	96	7	net	net	ADJ
inlawrev-18339	96	8	income	income	NOUN
inlawrev-18339	96	9	was	be	AUX
inlawrev-18339	96	10	$	$	SYM
inlawrev-18339	96	11	1.6	1.6	NUM
inlawrev-18339	96	12	billion	billion	NUM
inlawrev-18339	96	13	,	,	PUNCT
inlawrev-18339	96	14	the	the	DET
inlawrev-18339	96	15	second	second	ADJ
inlawrev-18339	96	16	highest	high	ADJ
inlawrev-18339	96	17	in	in	ADP
inlawrev-18339	96	18	the	the	DET
inlawrev-18339	96	19	company	company	NOUN
inlawrev-18339	96	20	’s	’s	PART
inlawrev-18339	96	21	155	155	NUM
inlawrev-18339	96	22	-	-	PUNCT
inlawrev-18339	96	23	year	year	NOUN
inlawrev-18339	96	24	history	history	NOUN
inlawrev-18339	96	25	.	.	PUNCT
inlawrev-18339	97	1	and	and	CCONJ
inlawrev-18339	97	2	earnings	earning	NOUN
inlawrev-18339	97	3	per	per	ADP
inlawrev-18339	97	4	share	share	NOUN
inlawrev-18339	97	5	were	be	AUX
inlawrev-18339	97	6	up	up	ADV
inlawrev-18339	97	7	forty	forty	NUM
inlawrev-18339	97	8	-	-	PUNCT
inlawrev-18339	97	9	one	one	NUM
inlawrev-18339	97	10	percent	percent	NOUN
inlawrev-18339	97	11	.	.	PUNCT
inlawrev-18339	98	1	the	the	DET
inlawrev-18339	98	2	operating	operate	VERB
inlawrev-18339	98	3	environment	environment	NOUN
inlawrev-18339	98	4	continues	continue	VERB
inlawrev-18339	98	5	to	to	PART
inlawrev-18339	98	6	be	be	AUX
inlawrev-18339	98	7	challenging	challenge	VERB
inlawrev-18339	98	8	,	,	PUNCT
inlawrev-18339	98	9	but	but	CCONJ
inlawrev-18339	98	10	if	if	SCONJ
inlawrev-18339	98	11	2012	2012	NUM
inlawrev-18339	98	12	is	be	AUX
inlawrev-18339	98	13	any	any	DET
inlawrev-18339	98	14	indication	indication	NOUN
inlawrev-18339	98	15	,	,	PUNCT
inlawrev-18339	98	16	there	there	PRON
inlawrev-18339	98	17	are	be	VERB
inlawrev-18339	98	18	many	many	ADV
inlawrev-18339	98	19	better	well	ADJ
inlawrev-18339	98	20	days	day	NOUN
inlawrev-18339	98	21	ahead	ahead	ADV
inlawrev-18339	98	22	.	.	PUNCT
inlawrev-18339	99	1	as	as	SCONJ
inlawrev-18339	99	2	i	i	PRON
inlawrev-18339	99	3	wrap	wrap	VERB
inlawrev-18339	99	4	up	up	ADP
inlawrev-18339	99	5	my	my	PRON
inlawrev-18339	99	6	remarks	remark	NOUN
inlawrev-18339	99	7	,	,	PUNCT
inlawrev-18339	99	8	i	i	PRON
inlawrev-18339	99	9	would	would	AUX
inlawrev-18339	99	10	like	like	VERB
inlawrev-18339	99	11	to	to	PART
inlawrev-18339	99	12	say	say	VERB
inlawrev-18339	99	13	in	in	ADP
inlawrev-18339	99	14	closing	close	VERB
inlawrev-18339	99	15	that	that	SCONJ
inlawrev-18339	99	16	the	the	DET
inlawrev-18339	99	17	financial	financial	ADJ
inlawrev-18339	99	18	crisis	crisis	NOUN
inlawrev-18339	99	19	of	of	ADP
inlawrev-18339	99	20	2008	2008	NUM
inlawrev-18339	99	21	and	and	CCONJ
inlawrev-18339	99	22	2009	2009	NUM
inlawrev-18339	99	23	was	be	AUX
inlawrev-18339	99	24	without	without	ADP
inlawrev-18339	99	25	a	a	DET
inlawrev-18339	99	26	doubt	doubt	NOUN
inlawrev-18339	99	27	the	the	DET
inlawrev-18339	99	28	most	most	ADV
inlawrev-18339	99	29	challenging	challenging	ADJ
inlawrev-18339	99	30	time	time	NOUN
inlawrev-18339	99	31	in	in	ADP
inlawrev-18339	99	32	my	my	PRON
inlawrev-18339	99	33	career	career	NOUN
inlawrev-18339	99	34	,	,	PUNCT
inlawrev-18339	99	35	and	and	CCONJ
inlawrev-18339	99	36	i	i	PRON
inlawrev-18339	99	37	hope	hope	VERB
inlawrev-18339	99	38	,	,	PUNCT
inlawrev-18339	99	39	my	my	PRON
inlawrev-18339	99	40	lifetime	lifetime	NOUN
inlawrev-18339	99	41	.	.	PUNCT
inlawrev-18339	100	1	as	as	ADV
inlawrev-18339	100	2	hard	hard	ADV
inlawrev-18339	100	3	as	as	SCONJ
inlawrev-18339	100	4	it	it	PRON
inlawrev-18339	100	5	was	be	AUX
inlawrev-18339	100	6	though	though	ADV
inlawrev-18339	100	7	,	,	PUNCT
inlawrev-18339	100	8	i	i	PRON
inlawrev-18339	100	9	am	be	AUX
inlawrev-18339	100	10	deeply	deeply	ADV
inlawrev-18339	100	11	proud	proud	ADJ
inlawrev-18339	100	12	of	of	ADP
inlawrev-18339	100	13	the	the	DET
inlawrev-18339	100	14	outcome	outcome	NOUN
inlawrev-18339	100	15	.	.	PUNCT
inlawrev-18339	101	1	we	we	PRON
inlawrev-18339	101	2	’re	’re	AUX
inlawrev-18339	101	3	looking	look	VERB
inlawrev-18339	101	4	forward	forward	ADV
inlawrev-18339	101	5	to	to	ADP
inlawrev-18339	101	6	a	a	DET
inlawrev-18339	101	7	bright	bright	ADJ
inlawrev-18339	101	8	future	future	NOUN
inlawrev-18339	101	9	.	.	PUNCT