id	sid	tid	token	lemma	pos
pipe-0137	1	1	a	a	DET
pipe-0137	1	2	librarian	librarian	ADJ
pipe-0137	1	3	’s	’s	PART
pipe-0137	1	4	guide	guide	NOUN
pipe-0137	1	5	to	to	ADP
pipe-0137	1	6	332.024	332.024	NUM
pipe-0137	1	7	–	–	PUNCT
pipe-0137	1	8	in	in	ADP
pipe-0137	1	9	the	the	DET
pipe-0137	1	10	library	library	NOUN
pipe-0137	1	11	with	with	ADP
pipe-0137	1	12	the	the	DET
pipe-0137	1	13	lead	lead	NOUN
pipe-0137	1	14	pipe	pipe	NOUN
pipe-0137	1	15	skip	skip	NOUN
pipe-0137	1	16	to	to	ADP
pipe-0137	1	17	main	main	ADJ
pipe-0137	1	18	content	content	NOUN
pipe-0137	1	19	open	open	ADJ
pipe-0137	1	20	menu	menu	NOUN
pipe-0137	1	21	home	home	ADV
pipe-0137	1	22	about	about	ADP
pipe-0137	1	23	awards	award	NOUN
pipe-0137	1	24	&	&	CCONJ
pipe-0137	1	25	good	good	ADJ
pipe-0137	1	26	words	word	NOUN
pipe-0137	1	27	contact	contact	NOUN
pipe-0137	1	28	editorial	editorial	NOUN
pipe-0137	1	29	board	board	NOUN
pipe-0137	1	30	denisse	denisse	PROPN
pipe-0137	1	31	solis	solis	PROPN
pipe-0137	1	32	ian	ian	PROPN
pipe-0137	1	33	beilin	beilin	PROPN
pipe-0137	1	34	ikumi	ikumi	PROPN
pipe-0137	1	35	crocoll	crocoll	PROPN
pipe-0137	1	36	jaena	jaena	PROPN
pipe-0137	1	37	rae	rae	PROPN
pipe-0137	1	38	cabrera	cabrera	PROPN
pipe-0137	1	39	kellee	kellee	PROPN
pipe-0137	1	40	warren	warren	PROPN
pipe-0137	1	41	nicole	nicole	PROPN
pipe-0137	1	42	cooke	cooke	PROPN
pipe-0137	1	43	ryan	ryan	PROPN
pipe-0137	1	44	randall	randall	PROPN
pipe-0137	1	45	emeritus	emeritus	NOUN
pipe-0137	1	46	announcements	announcement	NOUN
pipe-0137	1	47	authors	author	NOUN
pipe-0137	1	48	archives	archive	NOUN
pipe-0137	1	49	conduct	conduct	VERB
pipe-0137	1	50	submission	submission	NOUN
pipe-0137	1	51	guidelines	guideline	NOUN
pipe-0137	1	52	lead	lead	VERB
pipe-0137	1	53	pipe	pipe	NOUN
pipe-0137	1	54	publication	publication	NOUN
pipe-0137	1	55	process	process	NOUN
pipe-0137	1	56	style	style	NOUN
pipe-0137	1	57	guide	guide	NOUN
pipe-0137	1	58	search	search	NOUN
pipe-0137	1	59	home	home	ADV
pipe-0137	1	60	about	about	ADP
pipe-0137	1	61	awards	award	NOUN
pipe-0137	1	62	&	&	CCONJ
pipe-0137	1	63	good	good	ADJ
pipe-0137	1	64	words	word	NOUN
pipe-0137	1	65	contact	contact	NOUN
pipe-0137	1	66	editorial	editorial	NOUN
pipe-0137	1	67	board	board	NOUN
pipe-0137	1	68	denisse	denisse	PROPN
pipe-0137	1	69	solis	solis	PROPN
pipe-0137	1	70	ian	ian	PROPN
pipe-0137	1	71	beilin	beilin	PROPN
pipe-0137	1	72	ikumi	ikumi	PROPN
pipe-0137	1	73	crocoll	crocoll	PROPN
pipe-0137	1	74	jaena	jaena	PROPN
pipe-0137	1	75	rae	rae	PROPN
pipe-0137	1	76	cabrera	cabrera	PROPN
pipe-0137	1	77	kellee	kellee	PROPN
pipe-0137	1	78	warren	warren	PROPN
pipe-0137	1	79	nicole	nicole	PROPN
pipe-0137	1	80	cooke	cooke	PROPN
pipe-0137	1	81	ryan	ryan	PROPN
pipe-0137	1	82	randall	randall	PROPN
pipe-0137	1	83	emeritus	emeritus	NOUN
pipe-0137	1	84	announcements	announcement	NOUN
pipe-0137	1	85	authors	author	NOUN
pipe-0137	1	86	archives	archive	NOUN
pipe-0137	1	87	conduct	conduct	VERB
pipe-0137	1	88	submission	submission	NOUN
pipe-0137	1	89	guidelines	guideline	NOUN
pipe-0137	1	90	lead	lead	VERB
pipe-0137	1	91	pipe	pipe	NOUN
pipe-0137	1	92	publication	publication	NOUN
pipe-0137	1	93	process	process	NOUN
pipe-0137	1	94	style	style	NOUN
pipe-0137	1	95	guide	guide	NOUN
pipe-0137	1	96	search	search	NOUN
pipe-0137	1	97	2009	2009	NUM
pipe-0137	1	98	21	21	NUM
pipe-0137	1	99	jan	jan	PROPN
pipe-0137	1	100	brett	brett	PROPN
pipe-0137	1	101	bonfield	bonfield	PROPN
pipe-0137	1	102	/3	/3	PUNCT
pipe-0137	1	103	comments	comment	VERB
pipe-0137	1	104	a	a	DET
pipe-0137	1	105	librarian	librarian	ADJ
pipe-0137	1	106	’s	’s	PART
pipe-0137	1	107	guide	guide	NOUN
pipe-0137	1	108	to	to	ADP
pipe-0137	1	109	332.024	332.024	NUM
pipe-0137	1	110	money	money	NOUN
pipe-0137	1	111	grab	grab	NOUN
pipe-0137	1	112	by	by	ADP
pipe-0137	1	113	steve	steve	PROPN
pipe-0137	1	114	wampler	wampler	PROPN
pipe-0137	1	115	/	/	SYM
pipe-0137	1	116	cc	cc	PROPN
pipe-0137	1	117	-	-	NOUN
pipe-0137	1	118	by	by	ADP
pipe-0137	1	119	-	-	PUNCT
pipe-0137	1	120	nc	nc	PROPN
pipe-0137	1	121	by	by	ADP
pipe-0137	1	122	brett	brett	PROPN
pipe-0137	1	123	bonfield	bonfield	PROPN
pipe-0137	2	1	i	i	PRON
pipe-0137	2	2	want	want	VERB
pipe-0137	2	3	you	you	PRON
pipe-0137	2	4	to	to	PART
pipe-0137	2	5	think	think	VERB
pipe-0137	2	6	rationally	rationally	ADV
pipe-0137	2	7	about	about	ADP
pipe-0137	2	8	money	money	NOUN
pipe-0137	2	9	.	.	PUNCT
pipe-0137	3	1	that	that	PRON
pipe-0137	3	2	’s	’	VERB
pipe-0137	3	3	my	my	PRON
pipe-0137	3	4	goal	goal	NOUN
pipe-0137	3	5	for	for	ADP
pipe-0137	3	6	this	this	DET
pipe-0137	3	7	article	article	NOUN
pipe-0137	3	8	.	.	PUNCT
pipe-0137	4	1	after	after	SCONJ
pipe-0137	4	2	you	you	PRON
pipe-0137	4	3	read	read	VERB
pipe-0137	4	4	it	it	PRON
pipe-0137	4	5	,	,	PUNCT
pipe-0137	4	6	i	i	PRON
pipe-0137	4	7	want	want	VERB
pipe-0137	4	8	you	you	PRON
pipe-0137	4	9	to	to	PART
pipe-0137	4	10	feel	feel	VERB
pipe-0137	4	11	more	more	ADJ
pipe-0137	4	12	in	in	ADP
pipe-0137	4	13	control	control	NOUN
pipe-0137	4	14	.	.	PUNCT
pipe-0137	5	1	that	that	PRON
pipe-0137	5	2	sounds	sound	VERB
pipe-0137	5	3	easy	easy	ADJ
pipe-0137	5	4	,	,	PUNCT
pipe-0137	5	5	but	but	CCONJ
pipe-0137	5	6	it	it	PRON
pipe-0137	5	7	’s	’	VERB
pipe-0137	5	8	hard	hard	ADJ
pipe-0137	5	9	to	to	PART
pipe-0137	5	10	think	think	VERB
pipe-0137	5	11	clearly	clearly	ADV
pipe-0137	5	12	when	when	SCONJ
pipe-0137	5	13	it	it	PRON
pipe-0137	5	14	comes	come	VERB
pipe-0137	5	15	to	to	ADP
pipe-0137	5	16	money	money	NOUN
pipe-0137	5	17	.	.	PUNCT
pipe-0137	6	1	daniel	daniel	PROPN
pipe-0137	6	2	kahneman	kahneman	PROPN
pipe-0137	6	3	was	be	AUX
pipe-0137	6	4	awarded	award	VERB
pipe-0137	6	5	a	a	DET
pipe-0137	6	6	nobel	nobel	PROPN
pipe-0137	6	7	prize	prize	PROPN
pipe-0137	6	8	in	in	ADP
pipe-0137	6	9	2002	2002	NUM
pipe-0137	6	10	for	for	ADP
pipe-0137	6	11	his	his	PRON
pipe-0137	6	12	work	work	NOUN
pipe-0137	6	13	in	in	ADP
pipe-0137	6	14	documenting	document	VERB
pipe-0137	6	15	our	our	PRON
pipe-0137	6	16	irrationality	irrationality	NOUN
pipe-0137	6	17	,	,	PUNCT
pipe-0137	6	18	and	and	CCONJ
pipe-0137	6	19	ivy	ivy	PRON
pipe-0137	6	20	league	league	NOUN
pipe-0137	6	21	professors	professor	NOUN
pipe-0137	6	22	have	have	AUX
pipe-0137	6	23	written	write	VERB
pipe-0137	6	24	bestsellers	bestseller	NOUN
pipe-0137	6	25	about	about	ADP
pipe-0137	6	26	it	it	PRON
pipe-0137	6	27	,	,	PUNCT
pipe-0137	6	28	including	include	VERB
pipe-0137	6	29	irrational	irrational	ADJ
pipe-0137	6	30	exuberance	exuberance	NOUN
pipe-0137	6	31	,	,	PUNCT
pipe-0137	6	32	predictably	predictably	ADV
pipe-0137	6	33	irrational	irrational	ADJ
pipe-0137	6	34	,	,	PUNCT
pipe-0137	6	35	and	and	CCONJ
pipe-0137	6	36	why	why	SCONJ
pipe-0137	6	37	smart	smart	ADJ
pipe-0137	6	38	people	people	NOUN
pipe-0137	6	39	make	make	VERB
pipe-0137	6	40	big	big	ADJ
pipe-0137	6	41	money	money	NOUN
pipe-0137	6	42	mistakes	mistake	NOUN
pipe-0137	6	43	.	.	PUNCT
pipe-0137	7	1	it	it	PRON
pipe-0137	7	2	’s	’	VERB
pipe-0137	7	3	tempting	tempt	VERB
pipe-0137	7	4	to	to	PART
pipe-0137	7	5	bury	bury	VERB
pipe-0137	7	6	our	our	PRON
pipe-0137	7	7	heads	head	NOUN
pipe-0137	7	8	in	in	ADP
pipe-0137	7	9	the	the	DET
pipe-0137	7	10	sand	sand	NOUN
pipe-0137	7	11	.	.	PUNCT
pipe-0137	8	1	“	"	PUNCT
pipe-0137	8	2	money	money	NOUN
pipe-0137	8	3	,	,	PUNCT
pipe-0137	8	4	”	"	PUNCT
pipe-0137	8	5	we	we	PRON
pipe-0137	8	6	want	want	VERB
pipe-0137	8	7	to	to	PART
pipe-0137	8	8	tell	tell	VERB
pipe-0137	8	9	ourselves	ourselves	PRON
pipe-0137	8	10	,	,	PUNCT
pipe-0137	8	11	and	and	CCONJ
pipe-0137	8	12	anyone	anyone	PRON
pipe-0137	8	13	who	who	PRON
pipe-0137	8	14	comes	come	VERB
pipe-0137	8	15	to	to	ADP
pipe-0137	8	16	the	the	DET
pipe-0137	8	17	library	library	NOUN
pipe-0137	8	18	in	in	ADP
pipe-0137	8	19	search	search	NOUN
pipe-0137	8	20	of	of	ADP
pipe-0137	8	21	answers	answer	NOUN
pipe-0137	8	22	,	,	PUNCT
pipe-0137	8	23	“	"	PUNCT
pipe-0137	8	24	ca	can	AUX
pipe-0137	8	25	n’t	not	PART
pipe-0137	8	26	buy	buy	VERB
pipe-0137	8	27	happiness	happiness	NOUN
pipe-0137	8	28	.	.	PUNCT
pipe-0137	9	1	plus	plus	CCONJ
pipe-0137	9	2	,	,	PUNCT
pipe-0137	9	3	it	it	PRON
pipe-0137	9	4	’s	’	VERB
pipe-0137	9	5	the	the	DET
pipe-0137	9	6	root	root	NOUN
pipe-0137	9	7	of	of	ADP
pipe-0137	9	8	all	all	DET
pipe-0137	9	9	evil	evil	NOUN
pipe-0137	9	10	.	.	PUNCT
pipe-0137	10	1	best	good	ADJ
pipe-0137	10	2	not	not	PART
pipe-0137	10	3	to	to	PART
pipe-0137	10	4	think	think	VERB
pipe-0137	10	5	about	about	ADP
pipe-0137	10	6	it	it	PRON
pipe-0137	10	7	.	.	PUNCT
pipe-0137	10	8	”	"	PUNCT
pipe-0137	11	1	after	after	ADV
pipe-0137	11	2	all	all	ADV
pipe-0137	11	3	,	,	PUNCT
pipe-0137	11	4	it	it	PRON
pipe-0137	11	5	’s	’	VERB
pipe-0137	11	6	not	not	PART
pipe-0137	11	7	like	like	INTJ
pipe-0137	11	8	we	we	PRON
pipe-0137	11	9	went	go	VERB
pipe-0137	11	10	into	into	ADP
pipe-0137	11	11	librarianship	librarianship	NOUN
pipe-0137	11	12	in	in	ADP
pipe-0137	11	13	order	order	NOUN
pipe-0137	11	14	to	to	PART
pipe-0137	11	15	get	get	VERB
pipe-0137	11	16	rich	rich	ADJ
pipe-0137	11	17	.	.	PUNCT
pipe-0137	12	1	and	and	CCONJ
pipe-0137	12	2	if	if	SCONJ
pipe-0137	12	3	we	we	PRON
pipe-0137	12	4	were	be	AUX
pipe-0137	12	5	good	good	ADJ
pipe-0137	12	6	at	at	ADP
pipe-0137	12	7	thinking	think	VERB
pipe-0137	12	8	about	about	ADP
pipe-0137	12	9	money	money	NOUN
pipe-0137	12	10	and	and	CCONJ
pipe-0137	12	11	enjoyed	enjoy	VERB
pipe-0137	12	12	it	it	PRON
pipe-0137	12	13	,	,	PUNCT
pipe-0137	12	14	we	we	PRON
pipe-0137	12	15	probably	probably	ADV
pipe-0137	12	16	would	would	AUX
pipe-0137	12	17	have	have	AUX
pipe-0137	12	18	become	become	VERB
pipe-0137	12	19	accountants	accountant	NOUN
pipe-0137	12	20	or	or	CCONJ
pipe-0137	12	21	bankers	banker	NOUN
pipe-0137	12	22	or	or	CCONJ
pipe-0137	12	23	entrepreneurs	entrepreneur	NOUN
pipe-0137	12	24	.	.	PUNCT
pipe-0137	13	1	i	i	PRON
pipe-0137	13	2	’m	’m	AUX
pipe-0137	13	3	not	not	PART
pipe-0137	13	4	suggesting	suggest	VERB
pipe-0137	13	5	that	that	SCONJ
pipe-0137	13	6	we	we	PRON
pipe-0137	13	7	’re	’re	VERB
pipe-0137	13	8	innumerate	innumerate	ADJ
pipe-0137	13	9	,	,	PUNCT
pipe-0137	13	10	only	only	ADV
pipe-0137	13	11	that	that	SCONJ
pipe-0137	13	12	most	most	ADJ
pipe-0137	13	13	of	of	ADP
pipe-0137	13	14	us	we	PRON
pipe-0137	13	15	prefer	prefer	VERB
pipe-0137	13	16	to	to	PART
pipe-0137	13	17	think	think	VERB
pipe-0137	13	18	about	about	ADP
pipe-0137	13	19	other	other	ADJ
pipe-0137	13	20	things	thing	NOUN
pipe-0137	13	21	.	.	PUNCT
pipe-0137	14	1	still	still	ADV
pipe-0137	14	2	,	,	PUNCT
pipe-0137	14	3	that	that	PRON
pipe-0137	14	4	does	do	AUX
pipe-0137	14	5	n’t	not	PART
pipe-0137	14	6	let	let	VERB
pipe-0137	14	7	librarians	librarian	NOUN
pipe-0137	14	8	off	off	ADP
pipe-0137	14	9	the	the	DET
pipe-0137	14	10	hook	hook	NOUN
pipe-0137	14	11	.	.	PUNCT
pipe-0137	15	1	about	about	ADV
pipe-0137	15	2	80	80	NUM
pipe-0137	15	3	%	%	NOUN
pipe-0137	15	4	of	of	ADP
pipe-0137	15	5	us	we	PRON
pipe-0137	15	6	are	be	AUX
pipe-0137	15	7	in	in	ADP
pipe-0137	15	8	the	the	DET
pipe-0137	15	9	25	25	NUM
pipe-0137	15	10	%	%	NOUN
pipe-0137	15	11	tax	tax	NOUN
pipe-0137	15	12	bracket	bracket	NOUN
pipe-0137	15	13	,	,	PUNCT
pipe-0137	15	14	which	which	PRON
pipe-0137	15	15	means	mean	VERB
pipe-0137	15	16	we	we	PRON
pipe-0137	15	17	should	should	AUX
pipe-0137	15	18	have	have	VERB
pipe-0137	15	19	enough	enough	ADJ
pipe-0137	15	20	to	to	PART
pipe-0137	15	21	save	save	VERB
pipe-0137	15	22	and	and	CCONJ
pipe-0137	15	23	invest	invest	VERB
pipe-0137	15	24	,	,	PUNCT
pipe-0137	15	25	and	and	CCONJ
pipe-0137	15	26	not	not	PART
pipe-0137	15	27	just	just	ADV
pipe-0137	15	28	in	in	ADP
pipe-0137	15	29	our	our	PRON
pipe-0137	15	30	retirement	retirement	NOUN
pipe-0137	15	31	plans	plan	NOUN
pipe-0137	15	32	.	.	PUNCT
pipe-0137	16	1	we	we	PRON
pipe-0137	16	2	may	may	AUX
pipe-0137	16	3	not	not	PART
pipe-0137	16	4	feel	feel	VERB
pipe-0137	16	5	like	like	ADP
pipe-0137	16	6	saving	save	VERB
pipe-0137	16	7	money	money	NOUN
pipe-0137	16	8	is	be	AUX
pipe-0137	16	9	an	an	DET
pipe-0137	16	10	option	option	NOUN
pipe-0137	16	11	for	for	ADP
pipe-0137	16	12	us	we	PRON
pipe-0137	16	13	,	,	PUNCT
pipe-0137	16	14	especially	especially	ADV
pipe-0137	16	15	in	in	ADP
pipe-0137	16	16	this	this	DET
pipe-0137	16	17	economy	economy	NOUN
pipe-0137	16	18	,	,	PUNCT
pipe-0137	16	19	but	but	CCONJ
pipe-0137	16	20	if	if	SCONJ
pipe-0137	16	21	you	you	PRON
pipe-0137	16	22	’re	’re	VERB
pipe-0137	16	23	concerned	concerned	ADJ
pipe-0137	16	24	about	about	ADP
pipe-0137	16	25	our	our	PRON
pipe-0137	16	26	economic	economic	ADJ
pipe-0137	16	27	future	future	NOUN
pipe-0137	16	28	,	,	PUNCT
pipe-0137	16	29	the	the	DET
pipe-0137	16	30	viability	viability	NOUN
pipe-0137	16	31	of	of	ADP
pipe-0137	16	32	social	social	ADJ
pipe-0137	16	33	security	security	NOUN
pipe-0137	16	34	,	,	PUNCT
pipe-0137	16	35	or	or	CCONJ
pipe-0137	16	36	outliving	outlive	VERB
pipe-0137	16	37	your	your	PRON
pipe-0137	16	38	savings	saving	NOUN
pipe-0137	16	39	,	,	PUNCT
pipe-0137	16	40	then	then	ADV
pipe-0137	16	41	you	you	PRON
pipe-0137	16	42	have	have	VERB
pipe-0137	16	43	a	a	DET
pipe-0137	16	44	strong	strong	ADJ
pipe-0137	16	45	incentive	incentive	NOUN
pipe-0137	16	46	to	to	PART
pipe-0137	16	47	educate	educate	VERB
pipe-0137	16	48	yourself	yourself	PRON
pipe-0137	16	49	about	about	ADP
pipe-0137	16	50	your	your	PRON
pipe-0137	16	51	money	money	NOUN
pipe-0137	16	52	.	.	PUNCT
pipe-0137	17	1	it	it	PRON
pipe-0137	17	2	can	can	AUX
pipe-0137	17	3	be	be	AUX
pipe-0137	17	4	comforting	comforting	ADJ
pipe-0137	17	5	,	,	PUNCT
pipe-0137	17	6	but	but	CCONJ
pipe-0137	17	7	also	also	ADV
pipe-0137	17	8	startling	startling	ADJ
pipe-0137	17	9	,	,	PUNCT
pipe-0137	17	10	to	to	PART
pipe-0137	17	11	realize	realize	VERB
pipe-0137	17	12	how	how	SCONJ
pipe-0137	17	13	well	well	ADV
pipe-0137	17	14	off	off	ADP
pipe-0137	17	15	we	we	PRON
pipe-0137	17	16	really	really	ADV
pipe-0137	17	17	are.1	are.1	NOUN
pipe-0137	18	1	we	we	PRON
pipe-0137	18	2	also	also	ADV
pipe-0137	18	3	owe	owe	VERB
pipe-0137	18	4	it	it	PRON
pipe-0137	18	5	to	to	ADP
pipe-0137	18	6	our	our	PRON
pipe-0137	18	7	constituents	constituent	NOUN
pipe-0137	18	8	:	:	PUNCT
pipe-0137	18	9	our	our	PRON
pipe-0137	18	10	neighbors	neighbor	NOUN
pipe-0137	18	11	,	,	PUNCT
pipe-0137	18	12	students	student	NOUN
pipe-0137	18	13	,	,	PUNCT
pipe-0137	18	14	faculty	faculty	NOUN
pipe-0137	18	15	members	member	NOUN
pipe-0137	18	16	,	,	PUNCT
pipe-0137	18	17	and	and	CCONJ
pipe-0137	18	18	colleagues	colleague	NOUN
pipe-0137	18	19	.	.	PUNCT
pipe-0137	19	1	there	there	PRON
pipe-0137	19	2	is	be	VERB
pipe-0137	19	3	a	a	DET
pipe-0137	19	4	great	great	ADJ
pipe-0137	19	5	deal	deal	NOUN
pipe-0137	19	6	of	of	ADP
pipe-0137	19	7	discussion	discussion	NOUN
pipe-0137	19	8	about	about	ADP
pipe-0137	19	9	the	the	DET
pipe-0137	19	10	economy	economy	NOUN
pipe-0137	19	11	,	,	PUNCT
pipe-0137	19	12	and	and	CCONJ
pipe-0137	19	13	there	there	PRON
pipe-0137	19	14	are	be	VERB
pipe-0137	19	15	good	good	ADJ
pipe-0137	19	16	reasons	reason	NOUN
pipe-0137	19	17	to	to	PART
pipe-0137	19	18	be	be	AUX
pipe-0137	19	19	concerned	concern	VERB
pipe-0137	19	20	,	,	PUNCT
pipe-0137	19	21	but	but	CCONJ
pipe-0137	19	22	many	many	ADJ
pipe-0137	19	23	people	people	NOUN
pipe-0137	19	24	have	have	VERB
pipe-0137	19	25	a	a	DET
pipe-0137	19	26	difficult	difficult	ADJ
pipe-0137	19	27	time	time	NOUN
pipe-0137	19	28	distinguishing	distinguish	VERB
pipe-0137	19	29	between	between	ADP
pipe-0137	19	30	good	good	ADJ
pipe-0137	19	31	reasons	reason	NOUN
pipe-0137	19	32	and	and	CCONJ
pipe-0137	19	33	bad	bad	ADJ
pipe-0137	19	34	reasons	reason	NOUN
pipe-0137	19	35	.	.	PUNCT
pipe-0137	20	1	they	they	PRON
pipe-0137	20	2	also	also	ADV
pipe-0137	20	3	have	have	VERB
pipe-0137	20	4	a	a	DET
pipe-0137	20	5	tough	tough	ADJ
pipe-0137	20	6	time	time	NOUN
pipe-0137	20	7	understanding	understand	VERB
pipe-0137	20	8	the	the	DET
pipe-0137	20	9	magnitude	magnitude	NOUN
pipe-0137	20	10	of	of	ADP
pipe-0137	20	11	these	these	DET
pipe-0137	20	12	issues	issue	NOUN
pipe-0137	20	13	or	or	CCONJ
pipe-0137	20	14	what	what	PRON
pipe-0137	20	15	they	they	PRON
pipe-0137	20	16	,	,	PUNCT
pipe-0137	20	17	personally	personally	ADV
pipe-0137	20	18	,	,	PUNCT
pipe-0137	20	19	can	can	AUX
pipe-0137	20	20	do	do	VERB
pipe-0137	20	21	about	about	ADP
pipe-0137	20	22	them	they	PRON
pipe-0137	20	23	.	.	PUNCT
pipe-0137	21	1	as	as	ADP
pipe-0137	21	2	librarians	librarian	NOUN
pipe-0137	21	3	,	,	PUNCT
pipe-0137	21	4	we	we	PRON
pipe-0137	21	5	help	help	VERB
pipe-0137	21	6	people	people	NOUN
pipe-0137	21	7	undermine	undermine	VERB
pipe-0137	21	8	fear	fear	NOUN
pipe-0137	21	9	and	and	CCONJ
pipe-0137	21	10	ignorance	ignorance	NOUN
pipe-0137	21	11	by	by	ADP
pipe-0137	21	12	providing	provide	VERB
pipe-0137	21	13	them	they	PRON
pipe-0137	21	14	with	with	ADP
pipe-0137	21	15	the	the	DET
pipe-0137	21	16	tools	tool	NOUN
pipe-0137	21	17	to	to	PART
pipe-0137	21	18	educate	educate	VERB
pipe-0137	21	19	themselves	themselves	PRON
pipe-0137	21	20	.	.	PUNCT
pipe-0137	22	1	unfortunately	unfortunately	ADV
pipe-0137	22	2	,	,	PUNCT
pipe-0137	22	3	we	we	PRON
pipe-0137	22	4	’re	’re	AUX
pipe-0137	22	5	not	not	PART
pipe-0137	22	6	doing	do	VERB
pipe-0137	22	7	quite	quite	ADV
pipe-0137	22	8	as	as	ADV
pipe-0137	22	9	well	well	ADV
pipe-0137	22	10	as	as	ADP
pipe-0137	22	11	one	one	NUM
pipe-0137	22	12	might	might	AUX
pipe-0137	22	13	hope.2	hope.2	PROPN
pipe-0137	22	14	i	i	PRON
pipe-0137	22	15	wo	will	AUX
pipe-0137	22	16	n’t	not	PART
pipe-0137	22	17	be	be	AUX
pipe-0137	22	18	discussing	discuss	VERB
pipe-0137	22	19	economics	economic	NOUN
pipe-0137	22	20	in	in	ADP
pipe-0137	22	21	this	this	DET
pipe-0137	22	22	article	article	NOUN
pipe-0137	22	23	,	,	PUNCT
pipe-0137	22	24	but	but	CCONJ
pipe-0137	22	25	i	i	PRON
pipe-0137	22	26	will	will	AUX
pipe-0137	22	27	discuss	discuss	VERB
pipe-0137	22	28	personal	personal	ADJ
pipe-0137	22	29	finance	finance	NOUN
pipe-0137	22	30	.	.	PUNCT
pipe-0137	23	1	some	some	PRON
pipe-0137	23	2	of	of	ADP
pipe-0137	23	3	the	the	DET
pipe-0137	23	4	topics	topic	NOUN
pipe-0137	23	5	i	i	PRON
pipe-0137	23	6	’ll	’ll	AUX
pipe-0137	23	7	discuss	discuss	VERB
pipe-0137	23	8	relate	relate	VERB
pipe-0137	23	9	to	to	ADP
pipe-0137	23	10	the	the	DET
pipe-0137	23	11	economy	economy	NOUN
pipe-0137	23	12	as	as	ADP
pipe-0137	23	13	a	a	DET
pipe-0137	23	14	whole	whole	NOUN
pipe-0137	23	15	,	,	PUNCT
pipe-0137	23	16	though	though	SCONJ
pipe-0137	23	17	most	most	ADJ
pipe-0137	23	18	will	will	AUX
pipe-0137	23	19	be	be	AUX
pipe-0137	23	20	about	about	ADP
pipe-0137	23	21	you	you	PRON
pipe-0137	23	22	and	and	CCONJ
pipe-0137	23	23	the	the	DET
pipe-0137	23	24	people	people	NOUN
pipe-0137	23	25	you	you	PRON
pipe-0137	23	26	see	see	VERB
pipe-0137	23	27	at	at	ADP
pipe-0137	23	28	the	the	DET
pipe-0137	23	29	library	library	NOUN
pipe-0137	23	30	,	,	PUNCT
pipe-0137	23	31	because	because	SCONJ
pipe-0137	23	32	we	we	PRON
pipe-0137	23	33	can	can	AUX
pipe-0137	23	34	do	do	VERB
pipe-0137	23	35	better	well	ADV
pipe-0137	23	36	for	for	ADP
pipe-0137	23	37	them	they	PRON
pipe-0137	23	38	and	and	CCONJ
pipe-0137	23	39	we	we	PRON
pipe-0137	23	40	can	can	AUX
pipe-0137	23	41	do	do	VERB
pipe-0137	23	42	better	well	ADV
pipe-0137	23	43	for	for	ADP
pipe-0137	23	44	ourselves	ourselves	PRON
pipe-0137	23	45	.	.	PUNCT
pipe-0137	24	1	imagine	imagine	VERB
pipe-0137	24	2	if	if	SCONJ
pipe-0137	24	3	we	we	PRON
pipe-0137	24	4	went	go	VERB
pipe-0137	24	5	to	to	ADP
pipe-0137	24	6	the	the	DET
pipe-0137	24	7	mall	mall	NOUN
pipe-0137	24	8	and	and	CCONJ
pipe-0137	24	9	paid	pay	VERB
pipe-0137	24	10	cover	cover	NOUN
pipe-0137	24	11	price	price	NOUN
pipe-0137	24	12	on	on	ADP
pipe-0137	24	13	all	all	DET
pipe-0137	24	14	the	the	DET
pipe-0137	24	15	books	book	NOUN
pipe-0137	24	16	,	,	PUNCT
pipe-0137	24	17	movies	movie	NOUN
pipe-0137	24	18	,	,	PUNCT
pipe-0137	24	19	and	and	CCONJ
pipe-0137	24	20	music	music	NOUN
pipe-0137	24	21	we	we	PRON
pipe-0137	24	22	purchased	purchase	VERB
pipe-0137	24	23	for	for	ADP
pipe-0137	24	24	our	our	PRON
pipe-0137	24	25	collections	collection	NOUN
pipe-0137	24	26	.	.	PUNCT
pipe-0137	25	1	that	that	PRON
pipe-0137	25	2	would	would	AUX
pipe-0137	25	3	be	be	AUX
pipe-0137	25	4	rational	rational	ADJ
pipe-0137	25	5	compared	compare	VERB
pipe-0137	25	6	to	to	ADP
pipe-0137	25	7	the	the	DET
pipe-0137	25	8	way	way	NOUN
pipe-0137	25	9	many	many	ADJ
pipe-0137	25	10	of	of	ADP
pipe-0137	25	11	handle	handle	ADJ
pipe-0137	25	12	financial	financial	ADJ
pipe-0137	25	13	decisions.3	decisions.3	PROPN
pipe-0137	25	14	disclaimer	disclaimer	NOUN
pipe-0137	25	15	no	no	DET
pipe-0137	25	16	one	one	NOUN
pipe-0137	25	17	has	have	AUX
pipe-0137	25	18	certified	certify	VERB
pipe-0137	25	19	that	that	SCONJ
pipe-0137	25	20	i	i	PRON
pipe-0137	25	21	know	know	VERB
pipe-0137	25	22	what	what	PRON
pipe-0137	25	23	i	i	PRON
pipe-0137	25	24	’m	’m	AUX
pipe-0137	25	25	talking	talk	VERB
pipe-0137	25	26	about	about	ADP
pipe-0137	25	27	when	when	SCONJ
pipe-0137	25	28	it	it	PRON
pipe-0137	25	29	comes	come	VERB
pipe-0137	25	30	to	to	ADP
pipe-0137	25	31	personal	personal	ADJ
pipe-0137	25	32	finance	finance	NOUN
pipe-0137	25	33	,	,	PUNCT
pipe-0137	25	34	investing	investing	NOUN
pipe-0137	25	35	,	,	PUNCT
pipe-0137	25	36	insurance	insurance	NOUN
pipe-0137	25	37	,	,	PUNCT
pipe-0137	25	38	shopping	shopping	NOUN
pipe-0137	25	39	,	,	PUNCT
pipe-0137	25	40	or	or	CCONJ
pipe-0137	25	41	anything	anything	PRON
pipe-0137	25	42	else	else	ADV
pipe-0137	25	43	that	that	PRON
pipe-0137	25	44	involves	involve	VERB
pipe-0137	25	45	spending	spend	VERB
pipe-0137	25	46	or	or	CCONJ
pipe-0137	25	47	saving	save	VERB
pipe-0137	25	48	money	money	NOUN
pipe-0137	25	49	.	.	PUNCT
pipe-0137	26	1	in	in	ADP
pipe-0137	26	2	other	other	ADJ
pipe-0137	26	3	words	word	NOUN
pipe-0137	26	4	,	,	PUNCT
pipe-0137	26	5	these	these	PRON
pipe-0137	26	6	are	be	AUX
pipe-0137	26	7	my	my	PRON
pipe-0137	26	8	opinions	opinion	NOUN
pipe-0137	26	9	:	:	PUNCT
pipe-0137	26	10	agree	agree	VERB
pipe-0137	26	11	with	with	ADP
pipe-0137	26	12	me	i	PRON
pipe-0137	26	13	at	at	ADP
pipe-0137	26	14	your	your	PRON
pipe-0137	26	15	own	own	ADJ
pipe-0137	26	16	risk	risk	NOUN
pipe-0137	26	17	.	.	PUNCT
pipe-0137	27	1	that	that	PRON
pipe-0137	27	2	aside	aside	ADV
pipe-0137	27	3	,	,	PUNCT
pipe-0137	27	4	it	it	PRON
pipe-0137	27	5	’s	’	VERB
pipe-0137	27	6	a	a	DET
pipe-0137	27	7	topic	topic	NOUN
pipe-0137	27	8	that	that	PRON
pipe-0137	27	9	has	have	AUX
pipe-0137	27	10	interested	interest	VERB
pipe-0137	27	11	me	i	PRON
pipe-0137	27	12	for	for	ADP
pipe-0137	27	13	some	some	DET
pipe-0137	27	14	time	time	NOUN
pipe-0137	27	15	,	,	PUNCT
pipe-0137	27	16	and	and	CCONJ
pipe-0137	27	17	my	my	PRON
pipe-0137	27	18	understanding	understanding	NOUN
pipe-0137	27	19	of	of	ADP
pipe-0137	27	20	personal	personal	ADJ
pipe-0137	27	21	finance	finance	NOUN
pipe-0137	27	22	has	have	AUX
pipe-0137	27	23	enabled	enable	VERB
pipe-0137	27	24	me	i	PRON
pipe-0137	27	25	to	to	PART
pipe-0137	27	26	do	do	VERB
pipe-0137	27	27	things	thing	NOUN
pipe-0137	27	28	i	i	PRON
pipe-0137	27	29	would	would	AUX
pipe-0137	27	30	n’t	not	PART
pipe-0137	27	31	have	have	AUX
pipe-0137	27	32	been	be	AUX
pipe-0137	27	33	able	able	ADJ
pipe-0137	27	34	to	to	PART
pipe-0137	27	35	do	do	VERB
pipe-0137	27	36	otherwise	otherwise	ADV
pipe-0137	27	37	.	.	PUNCT
pipe-0137	28	1	it	it	PRON
pipe-0137	28	2	has	have	AUX
pipe-0137	28	3	n’t	not	PART
pipe-0137	28	4	made	make	VERB
pipe-0137	28	5	me	i	PRON
pipe-0137	28	6	a	a	DET
pipe-0137	28	7	lot	lot	NOUN
pipe-0137	28	8	of	of	ADP
pipe-0137	28	9	money	money	NOUN
pipe-0137	28	10	—	—	PUNCT
pipe-0137	28	11	my	my	PRON
pipe-0137	28	12	small	small	ADJ
pipe-0137	28	13	investments	investment	NOUN
pipe-0137	28	14	have	have	AUX
pipe-0137	28	15	served	serve	VERB
pipe-0137	28	16	me	i	PRON
pipe-0137	28	17	reasonably	reasonably	ADV
pipe-0137	28	18	well	well	ADV
pipe-0137	28	19	,	,	PUNCT
pipe-0137	28	20	but	but	CCONJ
pipe-0137	28	21	i	i	PRON
pipe-0137	28	22	do	do	AUX
pipe-0137	28	23	n’t	not	PART
pipe-0137	28	24	expect	expect	VERB
pipe-0137	28	25	to	to	PART
pipe-0137	28	26	retire	retire	VERB
pipe-0137	28	27	young	young	ADJ
pipe-0137	28	28	.	.	PUNCT
pipe-0137	29	1	however	however	ADV
pipe-0137	29	2	,	,	PUNCT
pipe-0137	29	3	unlike	unlike	ADP
pipe-0137	29	4	most	most	ADJ
pipe-0137	29	5	people	people	NOUN
pipe-0137	29	6	,	,	PUNCT
pipe-0137	29	7	i	i	PRON
pipe-0137	29	8	almost	almost	ADV
pipe-0137	29	9	never	never	ADV
pipe-0137	29	10	worry	worry	VERB
pipe-0137	29	11	about	about	ADP
pipe-0137	29	12	money	money	NOUN
pipe-0137	29	13	.	.	PUNCT
pipe-0137	30	1	i	i	PRON
pipe-0137	30	2	’ve	’ve	AUX
pipe-0137	30	3	also	also	ADV
pipe-0137	30	4	helped	help	VERB
pipe-0137	30	5	family	family	NOUN
pipe-0137	30	6	members	member	NOUN
pipe-0137	30	7	and	and	CCONJ
pipe-0137	30	8	friends	friend	NOUN
pipe-0137	30	9	alleviate	alleviate	VERB
pipe-0137	30	10	their	their	PRON
pipe-0137	30	11	own	own	ADJ
pipe-0137	30	12	concerns	concern	NOUN
pipe-0137	30	13	.	.	PUNCT
pipe-0137	31	1	a	a	DET
pipe-0137	31	2	few	few	ADJ
pipe-0137	31	3	basic	basic	ADJ
pipe-0137	31	4	questions	question	NOUN
pipe-0137	31	5	come	come	VERB
pipe-0137	31	6	up	up	ADP
pipe-0137	31	7	a	a	DET
pipe-0137	31	8	lot	lot	NOUN
pipe-0137	31	9	when	when	SCONJ
pipe-0137	31	10	i	i	PRON
pipe-0137	31	11	talk	talk	VERB
pipe-0137	31	12	to	to	ADP
pipe-0137	31	13	people	people	NOUN
pipe-0137	31	14	about	about	ADP
pipe-0137	31	15	money	money	NOUN
pipe-0137	31	16	.	.	PUNCT
pipe-0137	32	1	i	i	PRON
pipe-0137	32	2	’ve	’ve	AUX
pipe-0137	32	3	started	start	VERB
pipe-0137	32	4	with	with	ADP
pipe-0137	32	5	the	the	DET
pipe-0137	32	6	ones	one	NOUN
pipe-0137	32	7	that	that	PRON
pipe-0137	32	8	have	have	VERB
pipe-0137	32	9	short	short	ADJ
pipe-0137	32	10	,	,	PUNCT
pipe-0137	32	11	easy	easy	ADJ
pipe-0137	32	12	answers	answer	NOUN
pipe-0137	32	13	—	—	PUNCT
pipe-0137	32	14	where	where	SCONJ
pipe-0137	32	15	should	should	AUX
pipe-0137	32	16	i	i	PRON
pipe-0137	32	17	start	start	VERB
pipe-0137	32	18	?	?	PUNCT
pipe-0137	33	1	what	what	PRON
pipe-0137	33	2	are	be	AUX
pipe-0137	33	3	the	the	DET
pipe-0137	33	4	first	first	ADJ
pipe-0137	33	5	things	thing	NOUN
pipe-0137	33	6	i	i	PRON
pipe-0137	33	7	should	should	AUX
pipe-0137	33	8	do	do	VERB
pipe-0137	33	9	?	?	PUNCT
pipe-0137	34	1	what	what	PRON
pipe-0137	34	2	do	do	AUX
pipe-0137	34	3	you	you	PRON
pipe-0137	34	4	recommend	recommend	VERB
pipe-0137	34	5	i	i	PRON
pipe-0137	34	6	read?—and	read?—and	ADV
pipe-0137	35	1	then	then	ADV
pipe-0137	35	2	i	i	PRON
pipe-0137	35	3	move	move	VERB
pipe-0137	35	4	onto	onto	ADP
pipe-0137	35	5	the	the	DET
pipe-0137	35	6	longer	long	ADJ
pipe-0137	35	7	ones	one	NOUN
pipe-0137	35	8	that	that	PRON
pipe-0137	35	9	require	require	VERB
pipe-0137	35	10	a	a	DET
pipe-0137	35	11	bit	bit	NOUN
pipe-0137	35	12	of	of	ADP
pipe-0137	35	13	explaining	explaining	NOUN
pipe-0137	35	14	.	.	PUNCT
pipe-0137	36	1	books	book	NOUN
pipe-0137	36	2	every	every	DET
pipe-0137	36	3	library	library	NOUN
pipe-0137	36	4	should	should	AUX
pipe-0137	36	5	own	own	VERB
pipe-0137	36	6	,	,	PUNCT
pipe-0137	36	7	and	and	CCONJ
pipe-0137	36	8	every	every	DET
pipe-0137	36	9	librarian	librarian	NOUN
pipe-0137	36	10	should	should	AUX
pipe-0137	36	11	be	be	AUX
pipe-0137	36	12	familiar	familiar	ADJ
pipe-0137	36	13	with	with	ADP
pipe-0137	36	14	,	,	PUNCT
pipe-0137	36	15	the	the	DET
pipe-0137	36	16	latest	late	ADJ
pipe-0137	36	17	version	version	NOUN
pipe-0137	36	18	of	of	ADP
pipe-0137	36	19	andrew	andrew	PROPN
pipe-0137	36	20	tobias	tobias	PROPN
pipe-0137	36	21	’s	’s	PART
pipe-0137	36	22	the	the	DET
pipe-0137	36	23	only	only	ADJ
pipe-0137	36	24	investment	investment	NOUN
pipe-0137	36	25	guide	guide	NOUN
pipe-0137	36	26	you	you	PRON
pipe-0137	36	27	’ll	’ll	AUX
pipe-0137	36	28	ever	ever	ADV
pipe-0137	36	29	need	need	VERB
pipe-0137	36	30	and	and	CCONJ
pipe-0137	36	31	burton	burton	PROPN
pipe-0137	36	32	malkiel	malkiel	PROPN
pipe-0137	36	33	’s	’	VERB
pipe-0137	37	1	a	a	DET
pipe-0137	37	2	random	random	ADJ
pipe-0137	37	3	walk	walk	NOUN
pipe-0137	37	4	down	down	ADP
pipe-0137	37	5	wall	wall	PROPN
pipe-0137	37	6	street	street	PROPN
pipe-0137	37	7	.	.	PUNCT
pipe-0137	38	1	all	all	DET
pipe-0137	38	2	the	the	DET
pipe-0137	38	3	rest	rest	NOUN
pipe-0137	38	4	is	be	AUX
pipe-0137	38	5	commentary	commentary	NOUN
pipe-0137	38	6	.	.	PUNCT
pipe-0137	39	1	and	and	CCONJ
pipe-0137	39	2	there	there	PRON
pipe-0137	39	3	’s	’	VERB
pipe-0137	39	4	plenty	plenty	NOUN
pipe-0137	39	5	of	of	ADP
pipe-0137	39	6	it	it	PRON
pipe-0137	39	7	,	,	PUNCT
pipe-0137	39	8	most	most	ADJ
pipe-0137	39	9	of	of	ADP
pipe-0137	39	10	it	it	PRON
pipe-0137	39	11	overly	overly	ADV
pipe-0137	39	12	simplistic	simplistic	ADJ
pipe-0137	39	13	,	,	PUNCT
pipe-0137	39	14	overly	overly	ADV
pipe-0137	39	15	complicated	complicated	ADJ
pipe-0137	39	16	,	,	PUNCT
pipe-0137	39	17	speculative	speculative	ADJ
pipe-0137	39	18	,	,	PUNCT
pipe-0137	39	19	or	or	CCONJ
pipe-0137	39	20	easily	easily	ADV
pipe-0137	39	21	refutable.4	refutable.4	PROPN
pipe-0137	39	22	tobias	tobias	PROPN
pipe-0137	39	23	’s	’s	PART
pipe-0137	39	24	book	book	PROPN
pipe-0137	39	25	,	,	PUNCT
pipe-0137	39	26	which	which	PRON
pipe-0137	39	27	was	be	AUX
pipe-0137	39	28	first	first	ADV
pipe-0137	39	29	published	publish	VERB
pipe-0137	39	30	in	in	ADP
pipe-0137	39	31	1978	1978	NUM
pipe-0137	39	32	and	and	CCONJ
pipe-0137	39	33	is	be	AUX
pipe-0137	39	34	now	now	ADV
pipe-0137	39	35	on	on	ADP
pipe-0137	39	36	its	its	PRON
pipe-0137	39	37	fourth	fourth	ADJ
pipe-0137	39	38	edition	edition	NOUN
pipe-0137	39	39	,	,	PUNCT
pipe-0137	39	40	is	be	AUX
pipe-0137	39	41	especially	especially	ADV
pipe-0137	39	42	easy	easy	ADJ
pipe-0137	39	43	for	for	ADP
pipe-0137	39	44	beginners	beginner	NOUN
pipe-0137	39	45	.	.	PUNCT
pipe-0137	40	1	he	he	PRON
pipe-0137	40	2	does	do	AUX
pipe-0137	40	3	n’t	not	PART
pipe-0137	40	4	assume	assume	VERB
pipe-0137	40	5	that	that	SCONJ
pipe-0137	40	6	you	you	PRON
pipe-0137	40	7	know	know	VERB
pipe-0137	40	8	anything	anything	PRON
pipe-0137	40	9	in	in	ADP
pipe-0137	40	10	particular	particular	ADJ
pipe-0137	40	11	,	,	PUNCT
pipe-0137	40	12	he	he	PRON
pipe-0137	40	13	avoids	avoid	VERB
pipe-0137	40	14	charts	chart	NOUN
pipe-0137	40	15	and	and	CCONJ
pipe-0137	40	16	graphs	graph	NOUN
pipe-0137	40	17	,	,	PUNCT
pipe-0137	40	18	and	and	CCONJ
pipe-0137	40	19	he	he	PRON
pipe-0137	40	20	keeps	keep	VERB
pipe-0137	40	21	things	thing	NOUN
pipe-0137	40	22	light	light	ADJ
pipe-0137	40	23	and	and	CCONJ
pipe-0137	40	24	entertaining	entertaining	ADJ
pipe-0137	40	25	.	.	PUNCT
pipe-0137	41	1	malkiel	malkiel	PROPN
pipe-0137	41	2	’s	’s	AUX
pipe-0137	41	3	book	book	PROPN
pipe-0137	41	4	,	,	PUNCT
pipe-0137	41	5	which	which	PRON
pipe-0137	41	6	was	be	AUX
pipe-0137	41	7	first	first	ADV
pipe-0137	41	8	published	publish	VERB
pipe-0137	41	9	in	in	ADP
pipe-0137	41	10	1973	1973	NUM
pipe-0137	41	11	and	and	CCONJ
pipe-0137	41	12	is	be	AUX
pipe-0137	41	13	now	now	ADV
pipe-0137	41	14	in	in	ADP
pipe-0137	41	15	its	its	PRON
pipe-0137	41	16	ninth	ninth	ADJ
pipe-0137	41	17	edition	edition	NOUN
pipe-0137	41	18	,	,	PUNCT
pipe-0137	41	19	is	be	AUX
pipe-0137	41	20	a	a	DET
pipe-0137	41	21	bit	bit	NOUN
pipe-0137	41	22	more	more	ADV
pipe-0137	41	23	academic	academic	ADJ
pipe-0137	41	24	and	and	CCONJ
pipe-0137	41	25	focuses	focus	VERB
pipe-0137	41	26	primarily	primarily	ADV
pipe-0137	41	27	on	on	ADP
pipe-0137	41	28	investing	invest	VERB
pipe-0137	41	29	(	(	PUNCT
pipe-0137	41	30	as	as	SCONJ
pipe-0137	41	31	opposed	oppose	VERB
pipe-0137	41	32	to	to	ADP
pipe-0137	41	33	saving	saving	NOUN
pipe-0137	41	34	,	,	PUNCT
pipe-0137	41	35	insurance	insurance	NOUN
pipe-0137	41	36	,	,	PUNCT
pipe-0137	41	37	and	and	CCONJ
pipe-0137	41	38	other	other	ADJ
pipe-0137	41	39	aspects	aspect	NOUN
pipe-0137	41	40	of	of	ADP
pipe-0137	41	41	personal	personal	ADJ
pipe-0137	41	42	finance	finance	NOUN
pipe-0137	41	43	)	)	PUNCT
pipe-0137	41	44	,	,	PUNCT
pipe-0137	41	45	but	but	CCONJ
pipe-0137	41	46	it	it	PRON
pipe-0137	41	47	’s	’	VERB
pipe-0137	41	48	also	also	ADV
pipe-0137	41	49	a	a	DET
pipe-0137	41	50	comfortable	comfortable	ADJ
pipe-0137	41	51	read	read	NOUN
pipe-0137	41	52	,	,	PUNCT
pipe-0137	41	53	especially	especially	ADV
pipe-0137	41	54	after	after	SCONJ
pipe-0137	41	55	tobias	tobias	PROPN
pipe-0137	41	56	gives	give	VERB
pipe-0137	41	57	you	you	PRON
pipe-0137	41	58	the	the	DET
pipe-0137	41	59	lay	lay	NOUN
pipe-0137	41	60	of	of	ADP
pipe-0137	41	61	the	the	DET
pipe-0137	41	62	land	land	NOUN
pipe-0137	41	63	.	.	PUNCT
pipe-0137	42	1	each	each	PRON
pipe-0137	42	2	of	of	ADP
pipe-0137	42	3	these	these	DET
pipe-0137	42	4	books	book	NOUN
pipe-0137	42	5	has	have	AUX
pipe-0137	42	6	sold	sell	VERB
pipe-0137	42	7	well	well	ADV
pipe-0137	42	8	over	over	ADP
pipe-0137	42	9	a	a	DET
pipe-0137	42	10	million	million	NUM
pipe-0137	42	11	copies	copy	NOUN
pipe-0137	42	12	.	.	PUNCT
pipe-0137	43	1	insurance	insurance	NOUN
pipe-0137	43	2	a	a	DET
pipe-0137	43	3	lot	lot	NOUN
pipe-0137	43	4	of	of	ADP
pipe-0137	43	5	people	people	NOUN
pipe-0137	43	6	,	,	PUNCT
pipe-0137	43	7	when	when	SCONJ
pipe-0137	43	8	they	they	PRON
pipe-0137	43	9	think	think	VERB
pipe-0137	43	10	about	about	ADP
pipe-0137	43	11	personal	personal	ADJ
pipe-0137	43	12	finance	finance	NOUN
pipe-0137	43	13	,	,	PUNCT
pipe-0137	43	14	spend	spend	VERB
pipe-0137	43	15	a	a	DET
pipe-0137	43	16	lot	lot	NOUN
pipe-0137	43	17	of	of	ADP
pipe-0137	43	18	time	time	NOUN
pipe-0137	43	19	on	on	ADP
pipe-0137	43	20	the	the	DET
pipe-0137	43	21	best	good	ADJ
pipe-0137	43	22	things	thing	NOUN
pipe-0137	43	23	that	that	PRON
pipe-0137	43	24	might	might	AUX
pipe-0137	43	25	happen	happen	VERB
pipe-0137	43	26	:	:	PUNCT
pipe-0137	43	27	winning	win	VERB
pipe-0137	43	28	the	the	DET
pipe-0137	43	29	lottery	lottery	NOUN
pipe-0137	43	30	,	,	PUNCT
pipe-0137	43	31	finding	find	VERB
pipe-0137	43	32	the	the	DET
pipe-0137	43	33	next	next	ADJ
pipe-0137	43	34	google	google	NOUN
pipe-0137	43	35	,	,	PUNCT
pipe-0137	43	36	inheriting	inherit	VERB
pipe-0137	43	37	millions	million	NOUN
pipe-0137	43	38	from	from	ADP
pipe-0137	43	39	a	a	DET
pipe-0137	43	40	long	long	ADV
pipe-0137	43	41	-	-	PUNCT
pipe-0137	43	42	lost	lose	VERB
pipe-0137	43	43	relative	relative	NOUN
pipe-0137	43	44	,	,	PUNCT
pipe-0137	43	45	finding	find	VERB
pipe-0137	43	46	a	a	DET
pipe-0137	43	47	kernel	kernel	NOUN
pipe-0137	43	48	of	of	ADP
pipe-0137	43	49	useful	useful	ADJ
pipe-0137	43	50	investing	investing	NOUN
pipe-0137	43	51	advice	advice	NOUN
pipe-0137	43	52	in	in	ADP
pipe-0137	43	53	the	the	DET
pipe-0137	43	54	mainstream	mainstream	NOUN
pipe-0137	43	55	business	business	NOUN
pipe-0137	43	56	media	medium	NOUN
pipe-0137	43	57	.	.	PUNCT
pipe-0137	44	1	that	that	PRON
pipe-0137	44	2	’s	’s	PART
pipe-0137	44	3	human	human	ADJ
pipe-0137	44	4	nature	nature	NOUN
pipe-0137	44	5	.	.	PUNCT
pipe-0137	45	1	we	we	PRON
pipe-0137	45	2	lead	lead	VERB
pipe-0137	45	3	active	active	ADJ
pipe-0137	45	4	fantasy	fantasy	NOUN
pipe-0137	45	5	lives	life	NOUN
pipe-0137	45	6	.	.	PUNCT
pipe-0137	46	1	the	the	DET
pipe-0137	46	2	reality	reality	NOUN
pipe-0137	46	3	is	be	AUX
pipe-0137	46	4	that	that	SCONJ
pipe-0137	46	5	it	it	PRON
pipe-0137	46	6	’s	’	VERB
pipe-0137	46	7	more	more	ADV
pipe-0137	46	8	rational	rational	ADJ
pipe-0137	46	9	to	to	PART
pipe-0137	46	10	prepare	prepare	VERB
pipe-0137	46	11	for	for	ADP
pipe-0137	46	12	the	the	DET
pipe-0137	46	13	worst	bad	ADJ
pipe-0137	46	14	things	thing	NOUN
pipe-0137	46	15	that	that	PRON
pipe-0137	46	16	can	can	AUX
pipe-0137	46	17	happen	happen	VERB
pipe-0137	46	18	—	—	PUNCT
pipe-0137	46	19	an	an	DET
pipe-0137	46	20	expensive	expensive	ADJ
pipe-0137	46	21	illness	illness	NOUN
pipe-0137	46	22	,	,	PUNCT
pipe-0137	46	23	a	a	DET
pipe-0137	46	24	disability	disability	NOUN
pipe-0137	46	25	that	that	PRON
pipe-0137	46	26	prevents	prevent	VERB
pipe-0137	46	27	you	you	PRON
pipe-0137	46	28	from	from	ADP
pipe-0137	46	29	working	work	VERB
pipe-0137	46	30	,	,	PUNCT
pipe-0137	46	31	your	your	PRON
pipe-0137	46	32	own	own	ADJ
pipe-0137	46	33	death	death	NOUN
pipe-0137	46	34	(	(	PUNCT
pipe-0137	46	35	if	if	SCONJ
pipe-0137	46	36	people	people	NOUN
pipe-0137	46	37	you	you	PRON
pipe-0137	46	38	love	love	VERB
pipe-0137	46	39	depend	depend	VERB
pipe-0137	46	40	on	on	ADP
pipe-0137	46	41	your	your	PRON
pipe-0137	46	42	income)—because	income)—because	NOUN
pipe-0137	46	43	they	they	PRON
pipe-0137	46	44	’re	’re	VERB
pipe-0137	46	45	a	a	DET
pipe-0137	46	46	lot	lot	NOUN
pipe-0137	46	47	more	more	ADV
pipe-0137	46	48	likely	likely	ADJ
pipe-0137	46	49	than	than	ADP
pipe-0137	46	50	the	the	DET
pipe-0137	46	51	best	good	ADJ
pipe-0137	46	52	things	thing	NOUN
pipe-0137	46	53	.	.	PUNCT
pipe-0137	47	1	if	if	SCONJ
pipe-0137	47	2	you	you	PRON
pipe-0137	47	3	’re	’re	VERB
pipe-0137	47	4	alive	alive	ADJ
pipe-0137	47	5	,	,	PUNCT
pipe-0137	47	6	insure	insure	VERB
pipe-0137	47	7	your	your	PRON
pipe-0137	47	8	health	health	NOUN
pipe-0137	47	9	;	;	PUNCT
pipe-0137	47	10	if	if	SCONJ
pipe-0137	47	11	someone	someone	PRON
pipe-0137	47	12	else	else	ADV
pipe-0137	47	13	depends	depend	VERB
pipe-0137	47	14	on	on	ADP
pipe-0137	47	15	your	your	PRON
pipe-0137	47	16	income	income	NOUN
pipe-0137	47	17	,	,	PUNCT
pipe-0137	47	18	buy	buy	VERB
pipe-0137	47	19	(	(	PUNCT
pipe-0137	47	20	term	term	NOUN
pipe-0137	47	21	)	)	PUNCT
pipe-0137	47	22	life	life	NOUN
pipe-0137	47	23	insurance	insurance	NOUN
pipe-0137	47	24	.	.	PUNCT
pipe-0137	48	1	if	if	SCONJ
pipe-0137	48	2	you	you	PRON
pipe-0137	48	3	own	own	VERB
pipe-0137	48	4	a	a	DET
pipe-0137	48	5	car	car	NOUN
pipe-0137	48	6	or	or	CCONJ
pipe-0137	48	7	a	a	DET
pipe-0137	48	8	house	house	NOUN
pipe-0137	48	9	,	,	PUNCT
pipe-0137	48	10	insure	insure	VERB
pipe-0137	48	11	it	it	PRON
pipe-0137	48	12	.	.	PUNCT
pipe-0137	49	1	disability	disability	NOUN
pipe-0137	49	2	insurance	insurance	NOUN
pipe-0137	49	3	is	be	AUX
pipe-0137	49	4	usually	usually	ADV
pipe-0137	49	5	a	a	DET
pipe-0137	49	6	good	good	ADJ
pipe-0137	49	7	idea	idea	NOUN
pipe-0137	49	8	;	;	PUNCT
pipe-0137	49	9	long	long	ADJ
pipe-0137	49	10	-	-	PUNCT
pipe-0137	49	11	term	term	NOUN
pipe-0137	49	12	care	care	NOUN
pipe-0137	49	13	insurance	insurance	NOUN
pipe-0137	49	14	and	and	CCONJ
pipe-0137	49	15	an	an	DET
pipe-0137	49	16	umbrella	umbrella	NOUN
pipe-0137	49	17	policy	policy	NOUN
pipe-0137	49	18	may	may	AUX
pipe-0137	49	19	make	make	VERB
pipe-0137	49	20	sense	sense	NOUN
pipe-0137	49	21	as	as	ADV
pipe-0137	49	22	well	well	ADV
pipe-0137	49	23	.	.	PUNCT
pipe-0137	50	1	if	if	SCONJ
pipe-0137	50	2	your	your	PRON
pipe-0137	50	3	job	job	NOUN
pipe-0137	50	4	provides	provide	VERB
pipe-0137	50	5	these	these	DET
pipe-0137	50	6	benefits	benefit	NOUN
pipe-0137	50	7	,	,	PUNCT
pipe-0137	50	8	so	so	ADV
pipe-0137	50	9	much	much	ADV
pipe-0137	50	10	the	the	DET
pipe-0137	50	11	better	well	ADJ
pipe-0137	50	12	,	,	PUNCT
pipe-0137	50	13	but	but	CCONJ
pipe-0137	50	14	make	make	VERB
pipe-0137	50	15	sure	sure	ADJ
pipe-0137	50	16	that	that	SCONJ
pipe-0137	50	17	you	you	PRON
pipe-0137	50	18	understand	understand	VERB
pipe-0137	50	19	what	what	PRON
pipe-0137	50	20	you	you	PRON
pipe-0137	50	21	’re	’re	AUX
pipe-0137	50	22	getting	get	VERB
pipe-0137	50	23	and	and	CCONJ
pipe-0137	50	24	that	that	SCONJ
pipe-0137	50	25	you	you	PRON
pipe-0137	50	26	have	have	VERB
pipe-0137	50	27	enough	enough	ADJ
pipe-0137	50	28	coverage	coverage	NOUN
pipe-0137	50	29	to	to	PART
pipe-0137	50	30	meet	meet	VERB
pipe-0137	50	31	your	your	PRON
pipe-0137	50	32	needs	need	NOUN
pipe-0137	50	33	.	.	PUNCT
pipe-0137	51	1	i	i	PRON
pipe-0137	51	2	’m	’m	AUX
pipe-0137	51	3	not	not	PART
pipe-0137	51	4	suggesting	suggest	VERB
pipe-0137	51	5	that	that	SCONJ
pipe-0137	51	6	you	you	PRON
pipe-0137	51	7	should	should	AUX
pipe-0137	51	8	buy	buy	VERB
pipe-0137	51	9	more	more	ADJ
pipe-0137	51	10	than	than	SCONJ
pipe-0137	51	11	you	you	PRON
pipe-0137	51	12	need	need	VERB
pipe-0137	51	13	—	—	PUNCT
pipe-0137	51	14	the	the	DET
pipe-0137	51	15	goal	goal	NOUN
pipe-0137	51	16	is	be	AUX
pipe-0137	51	17	to	to	PART
pipe-0137	51	18	buy	buy	VERB
pipe-0137	51	19	just	just	ADV
pipe-0137	51	20	enough	enough	ADV
pipe-0137	51	21	to	to	PART
pipe-0137	51	22	cover	cover	VERB
pipe-0137	51	23	your	your	PRON
pipe-0137	51	24	expenses	expense	NOUN
pipe-0137	51	25	—	—	PUNCT
pipe-0137	51	26	but	but	CCONJ
pipe-0137	51	27	you	you	PRON
pipe-0137	51	28	(	(	PUNCT
pipe-0137	51	29	and	and	CCONJ
pipe-0137	51	30	your	your	PRON
pipe-0137	51	31	employer	employer	NOUN
pipe-0137	51	32	)	)	PUNCT
pipe-0137	51	33	absolutely	absolutely	ADV
pipe-0137	51	34	should	should	AUX
pipe-0137	51	35	buy	buy	VERB
pipe-0137	51	36	insurance	insurance	NOUN
pipe-0137	51	37	from	from	ADP
pipe-0137	51	38	a	a	DET
pipe-0137	51	39	company	company	NOUN
pipe-0137	51	40	with	with	ADP
pipe-0137	51	41	a	a	DET
pipe-0137	51	42	strong	strong	ADJ
pipe-0137	51	43	financial	financial	ADJ
pipe-0137	51	44	rating	rating	NOUN
pipe-0137	51	45	and	and	CCONJ
pipe-0137	51	46	a	a	DET
pipe-0137	51	47	good	good	ADJ
pipe-0137	51	48	record	record	NOUN
pipe-0137	51	49	for	for	ADP
pipe-0137	51	50	honoring	honor	VERB
pipe-0137	51	51	its	its	PRON
pipe-0137	51	52	commitments	commitment	NOUN
pipe-0137	51	53	.	.	PUNCT
pipe-0137	52	1	the	the	DET
pipe-0137	52	2	point	point	NOUN
pipe-0137	52	3	of	of	ADP
pipe-0137	52	4	insurance	insurance	NOUN
pipe-0137	52	5	is	be	AUX
pipe-0137	52	6	for	for	SCONJ
pipe-0137	52	7	the	the	DET
pipe-0137	52	8	insurer	insurer	NOUN
pipe-0137	52	9	to	to	PART
pipe-0137	52	10	give	give	VERB
pipe-0137	52	11	you	you	PRON
pipe-0137	52	12	money	money	NOUN
pipe-0137	52	13	when	when	SCONJ
pipe-0137	52	14	you	you	PRON
pipe-0137	52	15	make	make	VERB
pipe-0137	52	16	a	a	DET
pipe-0137	52	17	claim	claim	NOUN
pipe-0137	52	18	:	:	PUNCT
pipe-0137	52	19	if	if	SCONJ
pipe-0137	52	20	it	it	PRON
pipe-0137	52	21	goes	go	VERB
pipe-0137	52	22	belly	belly	ADV
pipe-0137	52	23	up	up	ADP
pipe-0137	52	24	,	,	PUNCT
pipe-0137	52	25	or	or	CCONJ
pipe-0137	52	26	shirks	shirk	VERB
pipe-0137	52	27	its	its	PRON
pipe-0137	52	28	responsibility	responsibility	NOUN
pipe-0137	52	29	,	,	PUNCT
pipe-0137	52	30	you	you	PRON
pipe-0137	52	31	might	might	AUX
pipe-0137	52	32	as	as	ADV
pipe-0137	52	33	well	well	ADV
pipe-0137	52	34	have	have	AUX
pipe-0137	52	35	not	not	PART
pipe-0137	52	36	even	even	ADV
pipe-0137	52	37	bothered	bother	VERB
pipe-0137	52	38	.	.	PUNCT
pipe-0137	53	1	as	as	ADV
pipe-0137	53	2	far	far	ADV
pipe-0137	53	3	as	as	ADP
pipe-0137	53	4	honoring	honor	VERB
pipe-0137	53	5	commitments	commitment	NOUN
pipe-0137	53	6	,	,	PUNCT
pipe-0137	53	7	consumer	consumer	NOUN
pipe-0137	53	8	reports	report	NOUN
pipe-0137	53	9	regularly	regularly	ADV
pipe-0137	53	10	surveys	survey	VERB
pipe-0137	53	11	its	its	PRON
pipe-0137	53	12	members	member	NOUN
pipe-0137	53	13	about	about	ADP
pipe-0137	53	14	their	their	PRON
pipe-0137	53	15	insurers	insurer	NOUN
pipe-0137	53	16	,	,	PUNCT
pipe-0137	53	17	and	and	CCONJ
pipe-0137	53	18	j.d	j.d	PROPN
pipe-0137	53	19	.	.	PROPN
pipe-0137	53	20	power	power	NOUN
pipe-0137	53	21	conducts	conduct	VERB
pipe-0137	53	22	annual	annual	ADJ
pipe-0137	53	23	evaluations	evaluation	NOUN
pipe-0137	53	24	.	.	PUNCT
pipe-0137	54	1	unfortunately	unfortunately	ADV
pipe-0137	54	2	,	,	PUNCT
pipe-0137	54	3	guessing	guess	VERB
pipe-0137	54	4	which	which	PRON
pipe-0137	54	5	insurers	insurer	NOUN
pipe-0137	54	6	will	will	AUX
pipe-0137	54	7	be	be	AUX
pipe-0137	54	8	around	around	ADP
pipe-0137	54	9	long	long	ADJ
pipe-0137	54	10	-	-	PUNCT
pipe-0137	54	11	term	term	NOUN
pipe-0137	54	12	has	have	AUX
pipe-0137	54	13	gotten	get	VERB
pipe-0137	54	14	dicier	dicier	NOUN
pipe-0137	54	15	lately	lately	ADV
pipe-0137	54	16	,	,	PUNCT
pipe-0137	54	17	especially	especially	ADV
pipe-0137	54	18	because	because	SCONJ
pipe-0137	54	19	the	the	DET
pipe-0137	54	20	agencies	agency	NOUN
pipe-0137	54	21	who	who	PRON
pipe-0137	54	22	rate	rate	VERB
pipe-0137	54	23	insurance	insurance	NOUN
pipe-0137	54	24	companies	company	NOUN
pipe-0137	54	25	’	’	PART
pipe-0137	54	26	stability	stability	NOUN
pipe-0137	54	27	have	have	AUX
pipe-0137	54	28	had	have	VERB
pipe-0137	54	29	their	their	PRON
pipe-0137	54	30	own	own	ADJ
pipe-0137	54	31	credibility	credibility	NOUN
pipe-0137	54	32	called	call	VERB
pipe-0137	54	33	into	into	ADP
pipe-0137	54	34	question	question	NOUN
pipe-0137	54	35	,	,	PUNCT
pipe-0137	54	36	which	which	PRON
pipe-0137	54	37	is	be	AUX
pipe-0137	54	38	all	all	DET
pipe-0137	54	39	the	the	DET
pipe-0137	54	40	more	more	ADJ
pipe-0137	54	41	reason	reason	NOUN
pipe-0137	54	42	to	to	PART
pipe-0137	54	43	make	make	VERB
pipe-0137	54	44	sure	sure	ADJ
pipe-0137	54	45	your	your	PRON
pipe-0137	54	46	insurers	insurer	NOUN
pipe-0137	54	47	are	be	AUX
pipe-0137	54	48	rated	rate	VERB
pipe-0137	54	49	highly	highly	ADV
pipe-0137	54	50	by	by	ADP
pipe-0137	54	51	a.m.	a.m.	PROPN
pipe-0137	54	52	best	good	ADJ
pipe-0137	54	53	,	,	PUNCT
pipe-0137	54	54	fitch	fitch	PROPN
pipe-0137	54	55	,	,	PUNCT
pipe-0137	54	56	moody	moody	PROPN
pipe-0137	54	57	’s	’s	PART
pipe-0137	54	58	(	(	PUNCT
pipe-0137	54	59	free	free	ADJ
pipe-0137	54	60	registration	registration	NOUN
pipe-0137	54	61	required	require	VERB
pipe-0137	54	62	)	)	PUNCT
pipe-0137	54	63	,	,	PUNCT
pipe-0137	54	64	standard	standard	PROPN
pipe-0137	54	65	&	&	CCONJ
pipe-0137	54	66	poor	poor	PROPN
pipe-0137	54	67	’s	’s	NOUN
pipe-0137	54	68	,	,	PUNCT
pipe-0137	54	69	and	and	CCONJ
pipe-0137	54	70	thestreet.com	thestreet.com	X
pipe-0137	54	71	ratings	rating	NOUN
pipe-0137	54	72	(	(	PUNCT
pipe-0137	54	73	formerly	formerly	ADV
pipe-0137	54	74	weiss	weiss	VERB
pipe-0137	54	75	)	)	PUNCT
pipe-0137	54	76	.	.	PUNCT
pipe-0137	55	1	yes	yes	INTJ
pipe-0137	55	2	,	,	PUNCT
pipe-0137	55	3	there	there	PRON
pipe-0137	55	4	’s	’	VERB
pipe-0137	55	5	a	a	DET
pipe-0137	55	6	chance	chance	NOUN
pipe-0137	55	7	that	that	SCONJ
pipe-0137	55	8	all	all	DET
pipe-0137	55	9	five	five	NUM
pipe-0137	55	10	could	could	AUX
pipe-0137	55	11	be	be	AUX
pipe-0137	55	12	wrong	wrong	ADJ
pipe-0137	55	13	,	,	PUNCT
pipe-0137	55	14	but	but	CCONJ
pipe-0137	55	15	it	it	PRON
pipe-0137	55	16	seems	seem	VERB
pipe-0137	55	17	less	less	ADV
pipe-0137	55	18	likely	likely	ADJ
pipe-0137	55	19	than	than	ADP
pipe-0137	55	20	one	one	NUM
pipe-0137	55	21	or	or	CCONJ
pipe-0137	55	22	two	two	NUM
pipe-0137	55	23	of	of	ADP
pipe-0137	55	24	them	they	PRON
pipe-0137	55	25	overestimating	overestimate	VERB
pipe-0137	55	26	an	an	DET
pipe-0137	55	27	insurer	insurer	NOUN
pipe-0137	55	28	’s	’s	PART
pipe-0137	55	29	long	long	ADJ
pipe-0137	55	30	-	-	PUNCT
pipe-0137	55	31	term	term	NOUN
pipe-0137	55	32	viability	viability	NOUN
pipe-0137	55	33	.	.	PUNCT
pipe-0137	56	1	planning	plan	VERB
pipe-0137	56	2	for	for	ADP
pipe-0137	56	3	many	many	ADJ
pipe-0137	56	4	people	people	NOUN
pipe-0137	56	5	,	,	PUNCT
pipe-0137	56	6	money	money	NOUN
pipe-0137	56	7	and	and	CCONJ
pipe-0137	56	8	stress	stress	NOUN
pipe-0137	56	9	are	be	AUX
pipe-0137	56	10	like	like	ADP
pipe-0137	56	11	“	"	PUNCT
pipe-0137	56	12	jacknifed	jacknife	VERB
pipe-0137	56	13	”	"	PUNCT
pipe-0137	56	14	and	and	CCONJ
pipe-0137	56	15	“	"	PUNCT
pipe-0137	56	16	tractor	tractor	NOUN
pipe-0137	56	17	trailer	trailer	NOUN
pipe-0137	56	18	”	"	PUNCT
pipe-0137	56	19	:	:	PUNCT
pipe-0137	56	20	they	they	PRON
pipe-0137	56	21	do	do	AUX
pipe-0137	56	22	n’t	not	PART
pipe-0137	56	23	think	think	VERB
pipe-0137	56	24	of	of	ADP
pipe-0137	56	25	one	one	NUM
pipe-0137	56	26	without	without	ADP
pipe-0137	56	27	thinking	think	VERB
pipe-0137	56	28	of	of	ADP
pipe-0137	56	29	the	the	DET
pipe-0137	56	30	other	other	ADJ
pipe-0137	56	31	.	.	PUNCT
pipe-0137	57	1	in	in	ADP
pipe-0137	57	2	my	my	PRON
pipe-0137	57	3	experience	experience	NOUN
pipe-0137	57	4	,	,	PUNCT
pipe-0137	57	5	there	there	PRON
pipe-0137	57	6	are	be	VERB
pipe-0137	57	7	a	a	DET
pipe-0137	57	8	few	few	ADJ
pipe-0137	57	9	things	thing	NOUN
pipe-0137	57	10	you	you	PRON
pipe-0137	57	11	can	can	AUX
pipe-0137	57	12	do	do	VERB
pipe-0137	57	13	to	to	PART
pipe-0137	57	14	take	take	VERB
pipe-0137	57	15	a	a	DET
pipe-0137	57	16	bit	bit	NOUN
pipe-0137	57	17	of	of	ADP
pipe-0137	57	18	the	the	DET
pipe-0137	57	19	stress	stress	NOUN
pipe-0137	57	20	out	out	ADP
pipe-0137	57	21	of	of	ADP
pipe-0137	57	22	dealing	deal	VERB
pipe-0137	57	23	with	with	ADP
pipe-0137	57	24	money	money	NOUN
pipe-0137	57	25	.	.	PUNCT
pipe-0137	58	1	the	the	DET
pipe-0137	58	2	first	first	ADJ
pipe-0137	58	3	is	be	AUX
pipe-0137	58	4	education	education	NOUN
pipe-0137	58	5	.	.	PUNCT
pipe-0137	59	1	my	my	PRON
pipe-0137	59	2	hope	hope	NOUN
pipe-0137	59	3	is	be	AUX
pipe-0137	59	4	that	that	SCONJ
pipe-0137	59	5	reading	read	VERB
pipe-0137	59	6	this	this	DET
pipe-0137	59	7	article	article	NOUN
pipe-0137	59	8	,	,	PUNCT
pipe-0137	59	9	and	and	CCONJ
pipe-0137	59	10	reading	read	VERB
pipe-0137	59	11	the	the	DET
pipe-0137	59	12	articles	article	NOUN
pipe-0137	59	13	i	i	PRON
pipe-0137	59	14	’ve	’ve	AUX
pipe-0137	59	15	linked	link	VERB
pipe-0137	59	16	to	to	ADP
pipe-0137	59	17	and	and	CCONJ
pipe-0137	59	18	books	book	NOUN
pipe-0137	59	19	i	i	PRON
pipe-0137	59	20	’ve	’ve	AUX
pipe-0137	59	21	recommended	recommend	VERB
pipe-0137	59	22	,	,	PUNCT
pipe-0137	59	23	will	will	AUX
pipe-0137	59	24	make	make	VERB
pipe-0137	59	25	you	you	PRON
pipe-0137	59	26	feel	feel	VERB
pipe-0137	59	27	more	more	ADV
pipe-0137	59	28	sure	sure	ADJ
pipe-0137	59	29	of	of	ADP
pipe-0137	59	30	yourself	yourself	PRON
pipe-0137	59	31	.	.	PUNCT
pipe-0137	60	1	it	it	PRON
pipe-0137	60	2	’s	’	VERB
pipe-0137	60	3	also	also	ADV
pipe-0137	60	4	important	important	ADJ
pipe-0137	60	5	to	to	PART
pipe-0137	60	6	have	have	VERB
pipe-0137	60	7	the	the	DET
pipe-0137	60	8	discipline	discipline	NOUN
pipe-0137	60	9	to	to	PART
pipe-0137	60	10	spend	spend	VERB
pipe-0137	60	11	less	less	ADJ
pipe-0137	60	12	than	than	SCONJ
pipe-0137	60	13	you	you	PRON
pipe-0137	60	14	make	make	VERB
pipe-0137	60	15	.	.	PUNCT
pipe-0137	61	1	much	much	ADV
pipe-0137	61	2	less	less	ADJ
pipe-0137	61	3	,	,	PUNCT
pipe-0137	61	4	if	if	SCONJ
pipe-0137	61	5	possible	possible	ADJ
pipe-0137	61	6	.	.	PUNCT
pipe-0137	62	1	one	one	NUM
pipe-0137	62	2	way	way	NOUN
pipe-0137	62	3	to	to	PART
pipe-0137	62	4	help	help	VERB
pipe-0137	62	5	control	control	NOUN
pipe-0137	62	6	spending	spending	NOUN
pipe-0137	62	7	is	be	AUX
pipe-0137	62	8	by	by	ADP
pipe-0137	62	9	making	make	VERB
pipe-0137	62	10	a	a	DET
pipe-0137	62	11	list	list	NOUN
pipe-0137	62	12	of	of	ADP
pipe-0137	62	13	the	the	DET
pipe-0137	62	14	things	thing	NOUN
pipe-0137	62	15	you	you	PRON
pipe-0137	62	16	want	want	VERB
pipe-0137	62	17	to	to	PART
pipe-0137	62	18	buy	buy	VERB
pipe-0137	62	19	.	.	PUNCT
pipe-0137	63	1	do	do	AUX
pipe-0137	63	2	you	you	PRON
pipe-0137	63	3	want	want	VERB
pipe-0137	63	4	a	a	DET
pipe-0137	63	5	house	house	NOUN
pipe-0137	63	6	,	,	PUNCT
pipe-0137	63	7	a	a	DET
pipe-0137	63	8	car	car	NOUN
pipe-0137	63	9	,	,	PUNCT
pipe-0137	63	10	fashionable	fashionable	ADJ
pipe-0137	63	11	clothing	clothing	NOUN
pipe-0137	63	12	,	,	PUNCT
pipe-0137	63	13	vacations	vacation	NOUN
pipe-0137	63	14	,	,	PUNCT
pipe-0137	63	15	cable	cable	NOUN
pipe-0137	63	16	television	television	NOUN
pipe-0137	63	17	,	,	PUNCT
pipe-0137	63	18	presents	present	VERB
pipe-0137	63	19	for	for	ADP
pipe-0137	63	20	your	your	PRON
pipe-0137	63	21	friends	friend	NOUN
pipe-0137	63	22	,	,	PUNCT
pipe-0137	63	23	veterinary	veterinary	ADJ
pipe-0137	63	24	care	care	NOUN
pipe-0137	63	25	for	for	ADP
pipe-0137	63	26	your	your	PRON
pipe-0137	63	27	pet	pet	NOUN
pipe-0137	63	28	,	,	PUNCT
pipe-0137	63	29	meals	meal	NOUN
pipe-0137	63	30	at	at	ADP
pipe-0137	63	31	nice	nice	ADJ
pipe-0137	63	32	restaurants	restaurant	NOUN
pipe-0137	63	33	?	?	PUNCT
pipe-0137	64	1	probably	probably	ADV
pipe-0137	64	2	,	,	PUNCT
pipe-0137	64	3	and	and	CCONJ
pipe-0137	64	4	likely	likely	ADV
pipe-0137	64	5	many	many	ADJ
pipe-0137	64	6	other	other	ADJ
pipe-0137	64	7	goodies	goody	NOUN
pipe-0137	64	8	as	as	ADV
pipe-0137	64	9	well	well	ADV
pipe-0137	64	10	.	.	PUNCT
pipe-0137	65	1	prioritize	prioritize	VERB
pipe-0137	65	2	your	your	PRON
pipe-0137	65	3	list	list	NOUN
pipe-0137	65	4	.	.	PUNCT
pipe-0137	66	1	figure	figure	VERB
pipe-0137	66	2	out	out	ADP
pipe-0137	66	3	how	how	SCONJ
pipe-0137	66	4	much	much	ADJ
pipe-0137	66	5	each	each	DET
pipe-0137	66	6	thing	thing	NOUN
pipe-0137	66	7	will	will	AUX
pipe-0137	66	8	cost	cost	VERB
pipe-0137	66	9	you	you	PRON
pipe-0137	66	10	.	.	PUNCT
pipe-0137	67	1	figure	figure	VERB
pipe-0137	67	2	out	out	ADP
pipe-0137	67	3	how	how	SCONJ
pipe-0137	67	4	often	often	ADV
pipe-0137	67	5	and	and	CCONJ
pipe-0137	67	6	how	how	SCONJ
pipe-0137	67	7	long	long	ADV
pipe-0137	67	8	it	it	PRON
pipe-0137	67	9	makes	make	VERB
pipe-0137	67	10	sense	sense	NOUN
pipe-0137	67	11	to	to	PART
pipe-0137	67	12	delay	delay	VERB
pipe-0137	67	13	gratification	gratification	NOUN
pipe-0137	67	14	.	.	PUNCT
pipe-0137	68	1	always	always	ADV
pipe-0137	68	2	remember	remember	VERB
pipe-0137	68	3	that	that	SCONJ
pipe-0137	68	4	items	item	NOUN
pipe-0137	68	5	on	on	ADP
pipe-0137	68	6	the	the	DET
pipe-0137	68	7	list	list	NOUN
pipe-0137	68	8	are	be	AUX
pipe-0137	68	9	more	more	ADV
pipe-0137	68	10	important	important	ADJ
pipe-0137	68	11	than	than	ADP
pipe-0137	68	12	anything	anything	PRON
pipe-0137	68	13	that	that	PRON
pipe-0137	68	14	is	be	AUX
pipe-0137	68	15	n’t	not	PART
pipe-0137	68	16	on	on	ADP
pipe-0137	68	17	the	the	DET
pipe-0137	68	18	list	list	NOUN
pipe-0137	68	19	.	.	PUNCT
pipe-0137	69	1	if	if	SCONJ
pipe-0137	69	2	at	at	ADP
pipe-0137	69	3	all	all	ADV
pipe-0137	69	4	possible	possible	ADJ
pipe-0137	69	5	,	,	PUNCT
pipe-0137	69	6	it	it	PRON
pipe-0137	69	7	make	make	VERB
pipe-0137	69	8	sense	sense	NOUN
pipe-0137	69	9	to	to	PART
pipe-0137	69	10	establish	establish	VERB
pipe-0137	69	11	an	an	DET
pipe-0137	69	12	emergency	emergency	NOUN
pipe-0137	69	13	fund	fund	NOUN
pipe-0137	69	14	with	with	ADP
pipe-0137	69	15	at	at	ADV
pipe-0137	69	16	least	least	ADV
pipe-0137	69	17	three	three	NUM
pipe-0137	69	18	to	to	PART
pipe-0137	69	19	six	six	NUM
pipe-0137	69	20	months	month	NOUN
pipe-0137	69	21	of	of	ADP
pipe-0137	69	22	living	living	NOUN
pipe-0137	69	23	expenses	expense	NOUN
pipe-0137	69	24	,	,	PUNCT
pipe-0137	69	25	perhaps	perhaps	ADV
pipe-0137	69	26	more	more	ADV
pipe-0137	69	27	if	if	SCONJ
pipe-0137	69	28	you	you	PRON
pipe-0137	69	29	have	have	VERB
pipe-0137	69	30	children	child	NOUN
pipe-0137	69	31	.	.	PUNCT
pipe-0137	70	1	put	put	VERB
pipe-0137	70	2	your	your	PRON
pipe-0137	70	3	rainy	rainy	ADJ
pipe-0137	70	4	-	-	PUNCT
pipe-0137	70	5	day	day	NOUN
pipe-0137	70	6	fund	fund	NOUN
pipe-0137	70	7	somewhere	somewhere	ADV
pipe-0137	70	8	safe	safe	ADJ
pipe-0137	70	9	where	where	SCONJ
pipe-0137	70	10	your	your	PRON
pipe-0137	70	11	money	money	NOUN
pipe-0137	70	12	will	will	AUX
pipe-0137	70	13	be	be	AUX
pipe-0137	70	14	working	work	VERB
pipe-0137	70	15	for	for	ADP
pipe-0137	70	16	you	you	PRON
pipe-0137	70	17	,	,	PUNCT
pipe-0137	70	18	such	such	ADJ
pipe-0137	70	19	as	as	ADP
pipe-0137	70	20	a	a	DET
pipe-0137	70	21	savings	saving	NOUN
pipe-0137	70	22	or	or	CCONJ
pipe-0137	70	23	money	money	NOUN
pipe-0137	70	24	market	market	NOUN
pipe-0137	70	25	account	account	NOUN
pipe-0137	70	26	,	,	PUNCT
pipe-0137	70	27	and	and	CCONJ
pipe-0137	70	28	,	,	PUNCT
pipe-0137	70	29	as	as	SCONJ
pipe-0137	70	30	the	the	DET
pipe-0137	70	31	name	name	NOUN
pipe-0137	70	32	implies	imply	VERB
pipe-0137	70	33	,	,	PUNCT
pipe-0137	70	34	do	do	AUX
pipe-0137	70	35	n’t	not	PART
pipe-0137	70	36	touch	touch	VERB
pipe-0137	70	37	it	it	PRON
pipe-0137	70	38	except	except	SCONJ
pipe-0137	70	39	in	in	ADP
pipe-0137	70	40	an	an	DET
pipe-0137	70	41	emergency	emergency	NOUN
pipe-0137	70	42	.	.	PUNCT
pipe-0137	71	1	along	along	ADP
pipe-0137	71	2	with	with	ADP
pipe-0137	71	3	educating	educate	VERB
pipe-0137	71	4	yourself	yourself	PRON
pipe-0137	71	5	,	,	PUNCT
pipe-0137	71	6	spending	spend	VERB
pipe-0137	71	7	less	less	ADJ
pipe-0137	71	8	than	than	SCONJ
pipe-0137	71	9	you	you	PRON
pipe-0137	71	10	make	make	VERB
pipe-0137	71	11	,	,	PUNCT
pipe-0137	71	12	and	and	CCONJ
pipe-0137	71	13	maintaining	maintain	VERB
pipe-0137	71	14	a	a	DET
pipe-0137	71	15	rainy	rainy	ADJ
pipe-0137	71	16	day	day	NOUN
pipe-0137	71	17	fund	fund	NOUN
pipe-0137	71	18	,	,	PUNCT
pipe-0137	71	19	the	the	DET
pipe-0137	71	20	other	other	ADJ
pipe-0137	71	21	important	important	ADJ
pipe-0137	71	22	way	way	NOUN
pipe-0137	71	23	to	to	PART
pipe-0137	71	24	minimize	minimize	VERB
pipe-0137	71	25	financial	financial	ADJ
pipe-0137	71	26	stress	stress	NOUN
pipe-0137	71	27	is	be	AUX
pipe-0137	71	28	to	to	PART
pipe-0137	71	29	avoid	avoid	VERB
pipe-0137	71	30	bad	bad	ADJ
pipe-0137	71	31	debt	debt	NOUN
pipe-0137	71	32	.	.	PUNCT
pipe-0137	72	1	credit	credit	NOUN
pipe-0137	72	2	card	card	NOUN
pipe-0137	72	3	debt	debt	NOUN
pipe-0137	72	4	,	,	PUNCT
pipe-0137	72	5	auto	auto	NOUN
pipe-0137	72	6	loans	loan	NOUN
pipe-0137	72	7	,	,	PUNCT
pipe-0137	72	8	consumer	consumer	NOUN
pipe-0137	72	9	loans	loan	NOUN
pipe-0137	72	10	…	…	PUNCT
pipe-0137	72	11	these	these	PRON
pipe-0137	72	12	are	be	AUX
pipe-0137	72	13	not	not	PART
pipe-0137	72	14	good	good	ADJ
pipe-0137	72	15	debt	debt	NOUN
pipe-0137	72	16	:	:	PUNCT
pipe-0137	72	17	the	the	DET
pipe-0137	72	18	interest	interest	NOUN
pipe-0137	72	19	rates	rate	NOUN
pipe-0137	72	20	tend	tend	VERB
pipe-0137	72	21	to	to	PART
pipe-0137	72	22	be	be	AUX
pipe-0137	72	23	high	high	ADJ
pipe-0137	72	24	and	and	CCONJ
pipe-0137	72	25	you	you	PRON
pipe-0137	72	26	ca	can	AUX
pipe-0137	72	27	n’t	not	PART
pipe-0137	72	28	deduct	deduct	VERB
pipe-0137	72	29	the	the	DET
pipe-0137	72	30	interest	interest	NOUN
pipe-0137	72	31	like	like	ADP
pipe-0137	72	32	you	you	PRON
pipe-0137	72	33	can	can	AUX
pipe-0137	72	34	with	with	ADP
pipe-0137	72	35	a	a	DET
pipe-0137	72	36	mortgage	mortgage	NOUN
pipe-0137	72	37	or	or	CCONJ
pipe-0137	72	38	a	a	DET
pipe-0137	72	39	student	student	NOUN
pipe-0137	72	40	loan	loan	NOUN
pipe-0137	72	41	.	.	PUNCT
pipe-0137	73	1	though	though	SCONJ
pipe-0137	73	2	even	even	ADV
pipe-0137	73	3	for	for	ADP
pipe-0137	73	4	tax	tax	NOUN
pipe-0137	73	5	advantaged	advantage	VERB
pipe-0137	73	6	loans	loan	NOUN
pipe-0137	73	7	like	like	ADP
pipe-0137	73	8	mortgages	mortgage	NOUN
pipe-0137	73	9	and	and	CCONJ
pipe-0137	73	10	education	education	NOUN
pipe-0137	73	11	,	,	PUNCT
pipe-0137	73	12	make	make	VERB
pipe-0137	73	13	sure	sure	ADJ
pipe-0137	73	14	that	that	SCONJ
pipe-0137	73	15	you	you	PRON
pipe-0137	73	16	shop	shop	VERB
pipe-0137	73	17	around	around	ADP
pipe-0137	73	18	for	for	ADP
pipe-0137	73	19	the	the	DET
pipe-0137	73	20	lowest	low	ADJ
pipe-0137	73	21	rates	rate	NOUN
pipe-0137	73	22	,	,	PUNCT
pipe-0137	73	23	learn	learn	VERB
pipe-0137	73	24	about	about	ADP
pipe-0137	73	25	refinancing	refinance	VERB
pipe-0137	73	26	mortgages	mortgage	NOUN
pipe-0137	73	27	and	and	CCONJ
pipe-0137	73	28	consolidating	consolidate	VERB
pipe-0137	73	29	student	student	NOUN
pipe-0137	73	30	loans	loan	NOUN
pipe-0137	73	31	,	,	PUNCT
pipe-0137	73	32	and	and	CCONJ
pipe-0137	73	33	that	that	SCONJ
pipe-0137	73	34	you	you	PRON
pipe-0137	73	35	pay	pay	VERB
pipe-0137	73	36	off	off	ADP
pipe-0137	73	37	even	even	ADV
pipe-0137	73	38	these	these	DET
pipe-0137	73	39	debts	debt	NOUN
pipe-0137	73	40	as	as	ADV
pipe-0137	73	41	quickly	quickly	ADV
pipe-0137	73	42	as	as	SCONJ
pipe-0137	73	43	makes	make	VERB
pipe-0137	73	44	sense	sense	NOUN
pipe-0137	73	45	.	.	PUNCT
pipe-0137	74	1	wills	will	NOUN
pipe-0137	74	2	,	,	PUNCT
pipe-0137	74	3	etc	etc	X
pipe-0137	74	4	.	.	X
pipe-0137	75	1	in	in	ADP
pipe-0137	75	2	sweet	sweet	ADJ
pipe-0137	75	3	and	and	CCONJ
pipe-0137	75	4	low	low	ADJ
pipe-0137	75	5	,	,	PUNCT
pipe-0137	75	6	rich	rich	ADJ
pipe-0137	75	7	cohen	cohen	NOUN
pipe-0137	75	8	does	do	VERB
pipe-0137	75	9	a	a	DET
pipe-0137	75	10	great	great	ADJ
pipe-0137	75	11	job	job	NOUN
pipe-0137	75	12	of	of	ADP
pipe-0137	75	13	documenting	document	VERB
pipe-0137	75	14	how	how	SCONJ
pipe-0137	75	15	his	his	PRON
pipe-0137	75	16	family	family	NOUN
pipe-0137	75	17	,	,	PUNCT
pipe-0137	75	18	the	the	DET
pipe-0137	75	19	founders	founder	NOUN
pipe-0137	75	20	of	of	ADP
pipe-0137	75	21	the	the	DET
pipe-0137	75	22	sweet’n	sweet’n	NOUN
pipe-0137	75	23	low	low	ADJ
pipe-0137	75	24	company	company	NOUN
pipe-0137	75	25	,	,	PUNCT
pipe-0137	75	26	allowed	allow	VERB
pipe-0137	75	27	money	money	NOUN
pipe-0137	75	28	to	to	PART
pipe-0137	75	29	drive	drive	VERB
pipe-0137	75	30	a	a	DET
pipe-0137	75	31	wedge	wedge	NOUN
pipe-0137	75	32	between	between	ADP
pipe-0137	75	33	parents	parent	NOUN
pipe-0137	75	34	,	,	PUNCT
pipe-0137	75	35	children	child	NOUN
pipe-0137	75	36	,	,	PUNCT
pipe-0137	75	37	siblings	sibling	NOUN
pipe-0137	75	38	,	,	PUNCT
pipe-0137	75	39	and	and	CCONJ
pipe-0137	75	40	cousins	cousin	NOUN
pipe-0137	75	41	.	.	PUNCT
pipe-0137	76	1	it	it	PRON
pipe-0137	76	2	happens	happen	VERB
pipe-0137	76	3	all	all	DET
pipe-0137	76	4	the	the	DET
pipe-0137	76	5	time	time	NOUN
pipe-0137	76	6	:	:	PUNCT
pipe-0137	76	7	to	to	ADP
pipe-0137	76	8	my	my	PRON
pipe-0137	76	9	mother	mother	NOUN
pipe-0137	76	10	(	(	PUNCT
pipe-0137	76	11	twice	twice	ADV
pipe-0137	76	12	)	)	PUNCT
pipe-0137	76	13	,	,	PUNCT
pipe-0137	76	14	to	to	ADP
pipe-0137	76	15	my	my	PRON
pipe-0137	76	16	father	father	NOUN
pipe-0137	76	17	,	,	PUNCT
pipe-0137	76	18	to	to	ADP
pipe-0137	76	19	my	my	PRON
pipe-0137	76	20	best	good	ADJ
pipe-0137	76	21	friend	friend	NOUN
pipe-0137	76	22	.	.	PUNCT
pipe-0137	77	1	as	as	ADP
pipe-0137	77	2	with	with	ADP
pipe-0137	77	3	the	the	DET
pipe-0137	77	4	cohens	cohen	NOUN
pipe-0137	77	5	,	,	PUNCT
pipe-0137	77	6	the	the	DET
pipe-0137	77	7	money	money	NOUN
pipe-0137	77	8	was	be	AUX
pipe-0137	77	9	n’t	not	PART
pipe-0137	77	10	really	really	ADV
pipe-0137	77	11	the	the	DET
pipe-0137	77	12	issue	issue	NOUN
pipe-0137	77	13	,	,	PUNCT
pipe-0137	77	14	and	and	CCONJ
pipe-0137	77	15	anyway	anyway	INTJ
pipe-0137	77	16	it	it	PRON
pipe-0137	77	17	was	be	AUX
pipe-0137	77	18	n’t	not	PART
pipe-0137	77	19	enough	enough	ADJ
pipe-0137	77	20	to	to	PART
pipe-0137	77	21	justify	justify	VERB
pipe-0137	77	22	a	a	DET
pipe-0137	77	23	lawsuit	lawsuit	NOUN
pipe-0137	77	24	.	.	PUNCT
pipe-0137	78	1	but	but	CCONJ
pipe-0137	78	2	that	that	PRON
pipe-0137	78	3	does	do	AUX
pipe-0137	78	4	n’t	not	PART
pipe-0137	78	5	diminish	diminish	VERB
pipe-0137	78	6	the	the	DET
pipe-0137	78	7	pain	pain	NOUN
pipe-0137	78	8	of	of	ADP
pipe-0137	78	9	having	have	VERB
pipe-0137	78	10	your	your	PRON
pipe-0137	78	11	sibling	sible	VERB
pipe-0137	78	12	manipulate	manipulate	NOUN
pipe-0137	78	13	you	you	PRON
pipe-0137	78	14	,	,	PUNCT
pipe-0137	78	15	of	of	ADP
pipe-0137	78	16	having	have	VERB
pipe-0137	78	17	your	your	PRON
pipe-0137	78	18	stepmother	stepmother	NOUN
pipe-0137	78	19	subvert	subvert	VERB
pipe-0137	78	20	your	your	PRON
pipe-0137	78	21	father	father	NOUN
pipe-0137	78	22	’s	’s	PART
pipe-0137	78	23	wishes	wish	NOUN
pipe-0137	78	24	,	,	PUNCT
pipe-0137	78	25	of	of	ADP
pipe-0137	78	26	having	have	VERB
pipe-0137	78	27	your	your	PRON
pipe-0137	78	28	stepfather	stepfather	NOUN
pipe-0137	78	29	mishandle	mishandle	VERB
pipe-0137	78	30	the	the	DET
pipe-0137	78	31	modest	modest	ADJ
pipe-0137	78	32	estate	estate	NOUN
pipe-0137	78	33	your	your	PRON
pipe-0137	78	34	mother	mother	NOUN
pipe-0137	78	35	spent	spend	VERB
pipe-0137	78	36	a	a	DET
pipe-0137	78	37	lifetime	lifetime	NOUN
pipe-0137	78	38	carefully	carefully	ADV
pipe-0137	78	39	stewarding	stewarde	VERB
pipe-0137	78	40	.	.	PUNCT
pipe-0137	79	1	in	in	ADP
pipe-0137	79	2	many	many	ADJ
pipe-0137	79	3	ways	way	NOUN
pipe-0137	79	4	,	,	PUNCT
pipe-0137	79	5	the	the	DET
pipe-0137	79	6	fact	fact	NOUN
pipe-0137	79	7	that	that	SCONJ
pipe-0137	79	8	not	not	PART
pipe-0137	79	9	all	all	DET
pipe-0137	79	10	that	that	PRON
pipe-0137	79	11	much	much	ADJ
pipe-0137	79	12	money	money	NOUN
pipe-0137	79	13	is	be	AUX
pipe-0137	79	14	involved	involve	VERB
pipe-0137	79	15	only	only	ADV
pipe-0137	79	16	magnifies	magnify	VERB
pipe-0137	79	17	the	the	DET
pipe-0137	79	18	pain	pain	NOUN
pipe-0137	79	19	.	.	PUNCT
pipe-0137	80	1	there	there	PRON
pipe-0137	80	2	are	be	VERB
pipe-0137	80	3	ways	way	NOUN
pipe-0137	80	4	to	to	PART
pipe-0137	80	5	avoid	avoid	VERB
pipe-0137	80	6	these	these	DET
pipe-0137	80	7	situations	situation	NOUN
pipe-0137	80	8	.	.	PUNCT
pipe-0137	81	1	not	not	PART
pipe-0137	81	2	perfect	perfect	ADJ
pipe-0137	81	3	solutions	solution	NOUN
pipe-0137	81	4	—	—	PUNCT
pipe-0137	81	5	in	in	ADP
pipe-0137	81	6	each	each	PRON
pipe-0137	81	7	of	of	ADP
pipe-0137	81	8	the	the	DET
pipe-0137	81	9	above	above	ADJ
pipe-0137	81	10	instances	instance	NOUN
pipe-0137	81	11	,	,	PUNCT
pipe-0137	81	12	there	there	PRON
pipe-0137	81	13	was	be	VERB
pipe-0137	81	14	a	a	DET
pipe-0137	81	15	will	will	NOUN
pipe-0137	81	16	involved	involve	VERB
pipe-0137	81	17	—	—	PUNCT
pipe-0137	81	18	but	but	CCONJ
pipe-0137	81	19	having	have	VERB
pipe-0137	81	20	a	a	DET
pipe-0137	81	21	will	will	NOUN
pipe-0137	81	22	and	and	CCONJ
pipe-0137	81	23	other	other	ADJ
pipe-0137	81	24	directives	directive	NOUN
pipe-0137	81	25	in	in	ADP
pipe-0137	81	26	place	place	NOUN
pipe-0137	81	27	lessens	lessen	VERB
pipe-0137	81	28	the	the	DET
pipe-0137	81	29	likelihood	likelihood	NOUN
pipe-0137	81	30	of	of	ADP
pipe-0137	81	31	your	your	PRON
pipe-0137	81	32	instructions	instruction	NOUN
pipe-0137	81	33	being	be	AUX
pipe-0137	81	34	disregarded	disregard	VERB
pipe-0137	81	35	.	.	PUNCT
pipe-0137	82	1	nolo	nolo	NOUN
pipe-0137	82	2	has	have	VERB
pipe-0137	82	3	a	a	DET
pipe-0137	82	4	useful	useful	ADJ
pipe-0137	82	5	website	website	NOUN
pipe-0137	82	6	,	,	PUNCT
pipe-0137	82	7	with	with	ADP
pipe-0137	82	8	a	a	DET
pipe-0137	82	9	very	very	ADV
pipe-0137	82	10	good	good	ADJ
pipe-0137	82	11	section	section	NOUN
pipe-0137	82	12	on	on	ADP
pipe-0137	82	13	wills	will	NOUN
pipe-0137	82	14	and	and	CCONJ
pipe-0137	82	15	estate	estate	NOUN
pipe-0137	82	16	planning	planning	NOUN
pipe-0137	82	17	that	that	PRON
pipe-0137	82	18	includes	include	VERB
pipe-0137	82	19	a	a	DET
pipe-0137	82	20	clear	clear	ADJ
pipe-0137	82	21	explanation	explanation	NOUN
pipe-0137	82	22	of	of	ADP
pipe-0137	82	23	nolo	nolo	NOUN
pipe-0137	82	24	’s	’s	PART
pipe-0137	82	25	inexpensive	inexpensive	ADJ
pipe-0137	82	26	,	,	PUNCT
pipe-0137	82	27	clearly	clearly	ADV
pipe-0137	82	28	written	write	VERB
pipe-0137	82	29	guides	guide	NOUN
pipe-0137	82	30	,	,	PUNCT
pipe-0137	82	31	and	and	CCONJ
pipe-0137	82	32	also	also	ADV
pipe-0137	82	33	includes	include	VERB
pipe-0137	82	34	a	a	DET
pipe-0137	82	35	directory	directory	NOUN
pipe-0137	82	36	of	of	ADP
pipe-0137	82	37	wills	will	NOUN
pipe-0137	82	38	,	,	PUNCT
pipe-0137	82	39	trusts	trust	NOUN
pipe-0137	82	40	,	,	PUNCT
pipe-0137	82	41	and	and	CCONJ
pipe-0137	82	42	estate	estate	NOUN
pipe-0137	82	43	lawyers	lawyer	NOUN
pipe-0137	82	44	.	.	PUNCT
pipe-0137	83	1	you	you	PRON
pipe-0137	83	2	may	may	AUX
pipe-0137	83	3	also	also	ADV
pipe-0137	83	4	want	want	VERB
pipe-0137	83	5	to	to	PART
pipe-0137	83	6	familiarize	familiarize	VERB
pipe-0137	83	7	yourself	yourself	PRON
pipe-0137	83	8	with	with	ADP
pipe-0137	83	9	the	the	DET
pipe-0137	83	10	internet	internet	NOUN
pipe-0137	83	11	legal	legal	ADJ
pipe-0137	83	12	research	research	NOUN
pipe-0137	83	13	group‘s	group‘	VERB
pipe-0137	83	14	legal	legal	ADJ
pipe-0137	83	15	forms	form	NOUN
pipe-0137	83	16	archive	archive	ADJ
pipe-0137	83	17	and	and	CCONJ
pipe-0137	83	18	with	with	ADP
pipe-0137	83	19	findlaw	findlaw	NOUN
pipe-0137	83	20	,	,	PUNCT
pipe-0137	83	21	both	both	PRON
pipe-0137	83	22	of	of	ADP
pipe-0137	83	23	which	which	PRON
pipe-0137	83	24	offer	offer	VERB
pipe-0137	83	25	forms	form	NOUN
pipe-0137	83	26	online	online	ADV
pipe-0137	83	27	for	for	ADP
pipe-0137	83	28	free	free	ADJ
pipe-0137	83	29	.	.	PUNCT
pipe-0137	84	1	ultimately	ultimately	ADV
pipe-0137	84	2	,	,	PUNCT
pipe-0137	84	3	your	your	PRON
pipe-0137	84	4	goal	goal	NOUN
pipe-0137	84	5	is	be	AUX
pipe-0137	84	6	to	to	PART
pipe-0137	84	7	have	have	VERB
pipe-0137	84	8	a	a	DET
pipe-0137	84	9	will	will	NOUN
pipe-0137	84	10	,	,	PUNCT
pipe-0137	84	11	a	a	DET
pipe-0137	84	12	durable	durable	ADJ
pipe-0137	84	13	power	power	NOUN
pipe-0137	84	14	of	of	ADP
pipe-0137	84	15	attorney	attorney	NOUN
pipe-0137	84	16	,	,	PUNCT
pipe-0137	84	17	a	a	DET
pipe-0137	84	18	healthcare	healthcare	NOUN
pipe-0137	84	19	proxy	proxy	NOUN
pipe-0137	84	20	,	,	PUNCT
pipe-0137	84	21	and	and	CCONJ
pipe-0137	84	22	a	a	DET
pipe-0137	84	23	letter	letter	NOUN
pipe-0137	84	24	of	of	ADP
pipe-0137	84	25	instruction	instruction	NOUN
pipe-0137	84	26	.	.	PUNCT
pipe-0137	85	1	retirement	retirement	NOUN
pipe-0137	85	2	plans	plan	NOUN
pipe-0137	85	3	you	you	PRON
pipe-0137	85	4	probably	probably	ADV
pipe-0137	85	5	have	have	VERB
pipe-0137	85	6	access	access	NOUN
pipe-0137	85	7	to	to	ADP
pipe-0137	85	8	a	a	DET
pipe-0137	85	9	403(b	403(b	PROPN
pipe-0137	85	10	)	)	PUNCT
pipe-0137	85	11	,	,	PUNCT
pipe-0137	85	12	a	a	DET
pipe-0137	85	13	457	457	NUM
pipe-0137	85	14	,	,	PUNCT
pipe-0137	85	15	or	or	CCONJ
pipe-0137	85	16	a	a	DET
pipe-0137	85	17	401(k	401(k	NOUN
pipe-0137	85	18	)	)	PUNCT
pipe-0137	85	19	.	.	PUNCT
pipe-0137	86	1	the	the	DET
pipe-0137	86	2	first	first	ADJ
pipe-0137	86	3	is	be	AUX
pipe-0137	86	4	for	for	ADP
pipe-0137	86	5	employees	employee	NOUN
pipe-0137	86	6	at	at	ADP
pipe-0137	86	7	nonprofits	nonprofit	NOUN
pipe-0137	86	8	,	,	PUNCT
pipe-0137	86	9	including	include	VERB
pipe-0137	86	10	those	those	PRON
pipe-0137	86	11	who	who	PRON
pipe-0137	86	12	work	work	VERB
pipe-0137	86	13	at	at	ADP
pipe-0137	86	14	educational	educational	ADJ
pipe-0137	86	15	institutions	institution	NOUN
pipe-0137	86	16	,	,	PUNCT
pipe-0137	86	17	the	the	DET
pipe-0137	86	18	second	second	ADJ
pipe-0137	86	19	is	be	AUX
pipe-0137	86	20	for	for	ADP
pipe-0137	86	21	government	government	NOUN
pipe-0137	86	22	employees	employee	NOUN
pipe-0137	86	23	(	(	PUNCT
pipe-0137	86	24	many	many	ADJ
pipe-0137	86	25	public	public	ADJ
pipe-0137	86	26	libraries	library	NOUN
pipe-0137	86	27	fall	fall	VERB
pipe-0137	86	28	into	into	ADP
pipe-0137	86	29	this	this	DET
pipe-0137	86	30	category	category	NOUN
pipe-0137	86	31	)	)	PUNCT
pipe-0137	86	32	,	,	PUNCT
pipe-0137	86	33	and	and	CCONJ
pipe-0137	86	34	the	the	DET
pipe-0137	86	35	third	third	ADJ
pipe-0137	86	36	is	be	AUX
pipe-0137	86	37	for	for	ADP
pipe-0137	86	38	people	people	NOUN
pipe-0137	86	39	who	who	PRON
pipe-0137	86	40	work	work	VERB
pipe-0137	86	41	at	at	ADP
pipe-0137	86	42	for	for	ADP
pipe-0137	86	43	-	-	PUNCT
pipe-0137	86	44	profit	profit	NOUN
pipe-0137	86	45	corporations	corporation	NOUN
pipe-0137	86	46	.	.	PUNCT
pipe-0137	87	1	a	a	DET
pipe-0137	87	2	retirement	retirement	NOUN
pipe-0137	87	3	plan	plan	NOUN
pipe-0137	87	4	is	be	AUX
pipe-0137	87	5	a	a	DET
pipe-0137	87	6	container	container	NOUN
pipe-0137	87	7	,	,	PUNCT
pipe-0137	87	8	like	like	ADP
pipe-0137	87	9	a	a	DET
pipe-0137	87	10	building	building	NOUN
pipe-0137	87	11	.	.	PUNCT
pipe-0137	88	1	that	that	DET
pipe-0137	88	2	building	building	NOUN
pipe-0137	88	3	could	could	AUX
pipe-0137	88	4	house	house	VERB
pipe-0137	88	5	a	a	DET
pipe-0137	88	6	library	library	NOUN
pipe-0137	88	7	or	or	CCONJ
pipe-0137	88	8	it	it	PRON
pipe-0137	88	9	could	could	AUX
pipe-0137	88	10	house	house	VERB
pipe-0137	88	11	a	a	DET
pipe-0137	88	12	wal	wal	PROPN
pipe-0137	88	13	-	-	PUNCT
pipe-0137	88	14	mart	mart	PROPN
pipe-0137	88	15	.	.	PUNCT
pipe-0137	89	1	so	so	ADV
pipe-0137	89	2	if	if	SCONJ
pipe-0137	89	3	you	you	PRON
pipe-0137	89	4	ask	ask	VERB
pipe-0137	89	5	someone	someone	PRON
pipe-0137	89	6	if	if	SCONJ
pipe-0137	89	7	they	they	PRON
pipe-0137	89	8	’re	’re	AUX
pipe-0137	89	9	saving	save	VERB
pipe-0137	89	10	for	for	ADP
pipe-0137	89	11	retirement	retirement	NOUN
pipe-0137	89	12	,	,	PUNCT
pipe-0137	89	13	and	and	CCONJ
pipe-0137	89	14	they	they	PRON
pipe-0137	89	15	tell	tell	VERB
pipe-0137	89	16	you	you	PRON
pipe-0137	89	17	they	they	PRON
pipe-0137	89	18	have	have	VERB
pipe-0137	89	19	a	a	DET
pipe-0137	89	20	401(k	401(k	NOUN
pipe-0137	89	21	)	)	PUNCT
pipe-0137	89	22	and	and	CCONJ
pipe-0137	89	23	leave	leave	VERB
pipe-0137	89	24	it	it	PRON
pipe-0137	89	25	at	at	ADP
pipe-0137	89	26	that	that	PRON
pipe-0137	89	27	,	,	PUNCT
pipe-0137	89	28	they	they	PRON
pipe-0137	89	29	either	either	CCONJ
pipe-0137	89	30	do	do	AUX
pipe-0137	89	31	n’t	not	PART
pipe-0137	89	32	know	know	VERB
pipe-0137	89	33	what	what	PRON
pipe-0137	89	34	they	they	PRON
pipe-0137	89	35	’re	’re	AUX
pipe-0137	89	36	talking	talk	VERB
pipe-0137	89	37	about	about	ADP
pipe-0137	89	38	or	or	CCONJ
pipe-0137	89	39	they	they	PRON
pipe-0137	89	40	’re	’re	AUX
pipe-0137	89	41	blowing	blow	VERB
pipe-0137	89	42	you	you	PRON
pipe-0137	89	43	off	off	ADP
pipe-0137	89	44	.	.	PUNCT
pipe-0137	90	1	employers	employer	NOUN
pipe-0137	90	2	hire	hire	VERB
pipe-0137	90	3	companies	company	NOUN
pipe-0137	90	4	to	to	PART
pipe-0137	90	5	handle	handle	VERB
pipe-0137	90	6	their	their	PRON
pipe-0137	90	7	retirement	retirement	NOUN
pipe-0137	90	8	plans	plan	NOUN
pipe-0137	90	9	for	for	ADP
pipe-0137	90	10	them	they	PRON
pipe-0137	90	11	.	.	PUNCT
pipe-0137	91	1	the	the	DET
pipe-0137	91	2	ones	one	NOUN
pipe-0137	91	3	you	you	PRON
pipe-0137	91	4	hope	hope	VERB
pipe-0137	91	5	your	your	PRON
pipe-0137	91	6	employer	employer	NOUN
pipe-0137	91	7	has	have	AUX
pipe-0137	91	8	hired	hire	VERB
pipe-0137	91	9	are	be	AUX
pipe-0137	91	10	vanguard	vanguard	NOUN
pipe-0137	91	11	and	and	CCONJ
pipe-0137	91	12	tiaa	tiaa	NOUN
pipe-0137	91	13	-	-	PUNCT
pipe-0137	91	14	cref5	cref5	NOUN
pipe-0137	91	15	because	because	SCONJ
pipe-0137	91	16	they	they	PRON
pipe-0137	91	17	’re	’re	VERB
pipe-0137	91	18	huge	huge	ADJ
pipe-0137	91	19	and	and	CCONJ
pipe-0137	91	20	stable	stable	ADJ
pipe-0137	91	21	,	,	PUNCT
pipe-0137	91	22	they	they	PRON
pipe-0137	91	23	’re	’re	VERB
pipe-0137	91	24	the	the	DET
pipe-0137	91	25	lowest	low	ADJ
pipe-0137	91	26	-	-	PUNCT
pipe-0137	91	27	cost	cost	NOUN
pipe-0137	91	28	providers	provider	NOUN
pipe-0137	91	29	in	in	ADP
pipe-0137	91	30	the	the	DET
pipe-0137	91	31	industry	industry	NOUN
pipe-0137	91	32	,	,	PUNCT
pipe-0137	91	33	and	and	CCONJ
pipe-0137	91	34	they	they	PRON
pipe-0137	91	35	’re	’re	VERB
pipe-0137	91	36	both	both	PRON
pipe-0137	91	37	essentially	essentially	ADV
pipe-0137	91	38	nonprofits.6	nonprofits.6	PROPN
pipe-0137	91	39	if	if	SCONJ
pipe-0137	91	40	your	your	PRON
pipe-0137	91	41	employer	employer	NOUN
pipe-0137	91	42	is	be	AUX
pipe-0137	91	43	using	use	VERB
pipe-0137	91	44	anyone	anyone	PRON
pipe-0137	91	45	but	but	CCONJ
pipe-0137	91	46	vanguard	vanguard	PROPN
pipe-0137	91	47	or	or	CCONJ
pipe-0137	91	48	tiaa	tiaa	NOUN
pipe-0137	91	49	-	-	PUNCT
pipe-0137	91	50	cref	cref	NOUN
pipe-0137	91	51	,	,	PUNCT
pipe-0137	91	52	ask	ask	VERB
pipe-0137	91	53	them	they	PRON
pipe-0137	91	54	to	to	PART
pipe-0137	91	55	switch	switch	VERB
pipe-0137	91	56	if	if	SCONJ
pipe-0137	91	57	they	they	PRON
pipe-0137	91	58	ca	can	AUX
pipe-0137	91	59	n’t	not	PART
pipe-0137	91	60	explain	explain	VERB
pipe-0137	91	61	why	why	SCONJ
pipe-0137	91	62	their	their	PRON
pipe-0137	91	63	current	current	ADJ
pipe-0137	91	64	provider	provider	NOUN
pipe-0137	91	65	is	be	AUX
pipe-0137	91	66	a	a	DET
pipe-0137	91	67	better	well	ADJ
pipe-0137	91	68	choice	choice	NOUN
pipe-0137	91	69	.	.	PUNCT
pipe-0137	92	1	this	this	PRON
pipe-0137	92	2	actually	actually	ADV
pipe-0137	92	3	worked	work	VERB
pipe-0137	92	4	for	for	ADP
pipe-0137	92	5	me	i	PRON
pipe-0137	92	6	once.7	once.7	PROPN
pipe-0137	92	7	the	the	DET
pipe-0137	92	8	only	only	ADJ
pipe-0137	92	9	potential	potential	ADJ
pipe-0137	92	10	gotcha	gotcha	NOUN
pipe-0137	92	11	:	:	PUNCT
pipe-0137	92	12	depending	depend	VERB
pipe-0137	92	13	on	on	ADP
pipe-0137	92	14	the	the	DET
pipe-0137	92	15	number	number	NOUN
pipe-0137	92	16	of	of	ADP
pipe-0137	92	17	people	people	NOUN
pipe-0137	92	18	who	who	PRON
pipe-0137	92	19	participate	participate	VERB
pipe-0137	92	20	in	in	ADP
pipe-0137	92	21	your	your	PRON
pipe-0137	92	22	employer	employer	NOUN
pipe-0137	92	23	’s	’s	NOUN
pipe-0137	92	24	retirement	retirement	NOUN
pipe-0137	92	25	plan	plan	NOUN
pipe-0137	92	26	,	,	PUNCT
pipe-0137	92	27	you	you	PRON
pipe-0137	92	28	may	may	AUX
pipe-0137	92	29	be	be	AUX
pipe-0137	92	30	too	too	ADV
pipe-0137	92	31	small	small	ADJ
pipe-0137	92	32	for	for	ADP
pipe-0137	92	33	vanguard	vanguard	NOUN
pipe-0137	92	34	or	or	CCONJ
pipe-0137	92	35	tiaa	tiaa	NOUN
pipe-0137	92	36	-	-	PUNCT
pipe-0137	92	37	cref	cref	NOUN
pipe-0137	92	38	.	.	PUNCT
pipe-0137	93	1	if	if	SCONJ
pipe-0137	93	2	that	that	PRON
pipe-0137	93	3	’s	’	VERB
pipe-0137	93	4	the	the	DET
pipe-0137	93	5	case	case	NOUN
pipe-0137	93	6	,	,	PUNCT
pipe-0137	93	7	encourage	encourage	VERB
pipe-0137	93	8	your	your	PRON
pipe-0137	93	9	employer	employer	NOUN
pipe-0137	93	10	to	to	PART
pipe-0137	93	11	use	use	VERB
pipe-0137	93	12	employee	employee	NOUN
pipe-0137	93	13	fiduciary	fiduciary	NOUN
pipe-0137	93	14	as	as	ADP
pipe-0137	93	15	a	a	DET
pipe-0137	93	16	low	low	ADJ
pipe-0137	93	17	-	-	PUNCT
pipe-0137	93	18	cost	cost	NOUN
pipe-0137	93	19	intermediary.8	intermediary.8	NOUN
pipe-0137	93	20	if	if	SCONJ
pipe-0137	93	21	these	these	PRON
pipe-0137	93	22	are	be	AUX
pipe-0137	93	23	not	not	PART
pipe-0137	93	24	options	option	NOUN
pipe-0137	93	25	,	,	PUNCT
pipe-0137	93	26	or	or	CCONJ
pipe-0137	93	27	if	if	SCONJ
pipe-0137	93	28	you	you	PRON
pipe-0137	93	29	’re	’re	VERB
pipe-0137	93	30	able	able	ADJ
pipe-0137	93	31	to	to	PART
pipe-0137	93	32	reserve	reserve	VERB
pipe-0137	93	33	additional	additional	ADJ
pipe-0137	93	34	funds	fund	NOUN
pipe-0137	93	35	for	for	ADP
pipe-0137	93	36	retirement	retirement	NOUN
pipe-0137	93	37	savings	saving	NOUN
pipe-0137	93	38	,	,	PUNCT
pipe-0137	93	39	consider	consider	VERB
pipe-0137	93	40	a	a	DET
pipe-0137	93	41	roth	roth	NOUN
pipe-0137	93	42	or	or	CCONJ
pipe-0137	93	43	traditional	traditional	ADJ
pipe-0137	93	44	ira	ira	PROPN
pipe-0137	93	45	.	.	PUNCT
pipe-0137	94	1	if	if	SCONJ
pipe-0137	94	2	possible	possible	ADJ
pipe-0137	94	3	,	,	PUNCT
pipe-0137	94	4	set	set	VERB
pipe-0137	94	5	it	it	PRON
pipe-0137	94	6	up	up	ADP
pipe-0137	94	7	so	so	SCONJ
pipe-0137	94	8	that	that	PRON
pipe-0137	94	9	money	money	NOUN
pipe-0137	94	10	for	for	ADP
pipe-0137	94	11	retirement	retirement	NOUN
pipe-0137	94	12	is	be	AUX
pipe-0137	94	13	automatically	automatically	ADV
pipe-0137	94	14	deducted	deduct	VERB
pipe-0137	94	15	from	from	ADP
pipe-0137	94	16	your	your	PRON
pipe-0137	94	17	paychecks	paycheck	NOUN
pipe-0137	94	18	.	.	PUNCT
pipe-0137	95	1	in	in	ADP
pipe-0137	95	2	that	that	DET
pipe-0137	95	3	way	way	NOUN
pipe-0137	95	4	,	,	PUNCT
pipe-0137	95	5	you	you	PRON
pipe-0137	95	6	get	get	VERB
pipe-0137	95	7	in	in	ADP
pipe-0137	95	8	the	the	DET
pipe-0137	95	9	habit	habit	NOUN
pipe-0137	95	10	of	of	ADP
pipe-0137	95	11	paying	pay	VERB
pipe-0137	95	12	yourself	yourself	PRON
pipe-0137	95	13	first	first	ADV
pipe-0137	95	14	.	.	PUNCT
pipe-0137	96	1	investing	invest	VERB
pipe-0137	96	2	sometimes	sometimes	ADV
pipe-0137	96	3	,	,	PUNCT
pipe-0137	96	4	instead	instead	ADV
pipe-0137	96	5	of	of	ADP
pipe-0137	96	6	saying	say	VERB
pipe-0137	96	7	“	"	PUNCT
pipe-0137	96	8	i	i	PRON
pipe-0137	96	9	have	have	VERB
pipe-0137	96	10	an	an	DET
pipe-0137	96	11	ira	ira	NOUN
pipe-0137	96	12	”	"	PUNCT
pipe-0137	96	13	or	or	CCONJ
pipe-0137	96	14	“	"	PUNCT
pipe-0137	96	15	i	i	PRON
pipe-0137	96	16	have	have	VERB
pipe-0137	96	17	a	a	DET
pipe-0137	96	18	401(k	401(k	NOUN
pipe-0137	96	19	)	)	PUNCT
pipe-0137	96	20	,	,	PUNCT
pipe-0137	96	21	”	"	PUNCT
pipe-0137	96	22	people	people	NOUN
pipe-0137	96	23	say	say	VERB
pipe-0137	96	24	,	,	PUNCT
pipe-0137	96	25	“	"	PUNCT
pipe-0137	96	26	i	i	PRON
pipe-0137	96	27	’m	’m	VERB
pipe-0137	96	28	in	in	ADP
pipe-0137	96	29	mutual	mutual	ADJ
pipe-0137	96	30	funds	fund	NOUN
pipe-0137	96	31	.	.	PUNCT
pipe-0137	96	32	”	"	PUNCT
pipe-0137	97	1	once	once	ADV
pipe-0137	97	2	again	again	ADV
pipe-0137	97	3	,	,	PUNCT
pipe-0137	97	4	they	they	PRON
pipe-0137	97	5	’re	’re	VERB
pipe-0137	97	6	either	either	CCONJ
pipe-0137	97	7	clueless	clueless	ADJ
pipe-0137	97	8	or	or	CCONJ
pipe-0137	97	9	think	think	VERB
pipe-0137	97	10	you	you	PRON
pipe-0137	97	11	are	be	AUX
pipe-0137	97	12	.	.	PUNCT
pipe-0137	98	1	mutual	mutual	ADJ
pipe-0137	98	2	funds	fund	NOUN
pipe-0137	98	3	are	be	AUX
pipe-0137	98	4	like	like	ADP
pipe-0137	98	5	libraries	library	NOUN
pipe-0137	98	6	.	.	PUNCT
pipe-0137	99	1	just	just	ADV
pipe-0137	99	2	as	as	SCONJ
pipe-0137	99	3	libraries	library	NOUN
pipe-0137	99	4	can	can	AUX
pipe-0137	99	5	house	house	VERB
pipe-0137	99	6	books	book	NOUN
pipe-0137	99	7	,	,	PUNCT
pipe-0137	99	8	dvds	dvds	NOUN
pipe-0137	99	9	,	,	PUNCT
pipe-0137	99	10	cds	cd	NOUN
pipe-0137	99	11	,	,	PUNCT
pipe-0137	99	12	and	and	CCONJ
pipe-0137	99	13	many	many	ADJ
pipe-0137	99	14	other	other	ADJ
pipe-0137	99	15	types	type	NOUN
pipe-0137	99	16	of	of	ADP
pipe-0137	99	17	objects	object	NOUN
pipe-0137	99	18	,	,	PUNCT
pipe-0137	99	19	depending	depend	VERB
pipe-0137	99	20	on	on	ADP
pipe-0137	99	21	their	their	PRON
pipe-0137	99	22	charter	charter	NOUN
pipe-0137	99	23	mutual	mutual	ADJ
pipe-0137	99	24	funds	fund	NOUN
pipe-0137	99	25	can	can	AUX
pipe-0137	99	26	invest	invest	VERB
pipe-0137	99	27	in	in	ADP
pipe-0137	99	28	stocks	stock	NOUN
pipe-0137	99	29	,	,	PUNCT
pipe-0137	99	30	bonds	bond	NOUN
pipe-0137	99	31	,	,	PUNCT
pipe-0137	99	32	real	real	ADJ
pipe-0137	99	33	estate	estate	NOUN
pipe-0137	99	34	,	,	PUNCT
pipe-0137	99	35	commodities	commodity	NOUN
pipe-0137	99	36	,	,	PUNCT
pipe-0137	99	37	or	or	CCONJ
pipe-0137	99	38	other	other	ADJ
pipe-0137	99	39	assets	asset	NOUN
pipe-0137	99	40	.	.	PUNCT
pipe-0137	100	1	some	some	PRON
pipe-0137	100	2	of	of	ADP
pipe-0137	100	3	them	they	PRON
pipe-0137	100	4	only	only	ADV
pipe-0137	100	5	hold	hold	VERB
pipe-0137	100	6	u.s	u.s	PROPN
pipe-0137	100	7	.	.	PROPN
pipe-0137	100	8	stocks	stock	NOUN
pipe-0137	100	9	,	,	PUNCT
pipe-0137	100	10	some	some	PRON
pipe-0137	100	11	of	of	ADP
pipe-0137	100	12	them	they	PRON
pipe-0137	100	13	only	only	ADV
pipe-0137	100	14	hold	hold	VERB
pipe-0137	100	15	non	non	ADJ
pipe-0137	100	16	-	-	ADJ
pipe-0137	100	17	u.s	u.s	ADJ
pipe-0137	100	18	.	.	PROPN
pipe-0137	100	19	stocks	stock	NOUN
pipe-0137	100	20	.	.	PUNCT
pipe-0137	101	1	some	some	PRON
pipe-0137	101	2	of	of	ADP
pipe-0137	101	3	them	they	PRON
pipe-0137	101	4	hold	hold	VERB
pipe-0137	101	5	whatever	whatever	PRON
pipe-0137	101	6	their	their	PRON
pipe-0137	101	7	manager	manager	NOUN
pipe-0137	101	8	thinks	think	VERB
pipe-0137	101	9	is	be	AUX
pipe-0137	101	10	appropriate	appropriate	ADJ
pipe-0137	101	11	.	.	PUNCT
pipe-0137	102	1	mutual	mutual	ADJ
pipe-0137	102	2	funds	fund	NOUN
pipe-0137	102	3	’	’	PART
pipe-0137	102	4	holdings	holding	NOUN
pipe-0137	102	5	are	be	AUX
pipe-0137	102	6	owned	own	VERB
pipe-0137	102	7	by	by	ADP
pipe-0137	102	8	the	the	DET
pipe-0137	102	9	people	people	NOUN
pipe-0137	102	10	who	who	PRON
pipe-0137	102	11	invest	invest	VERB
pipe-0137	102	12	in	in	ADP
pipe-0137	102	13	them	they	PRON
pipe-0137	102	14	.	.	PUNCT
pipe-0137	103	1	in	in	ADP
pipe-0137	103	2	general	general	ADJ
pipe-0137	103	3	,	,	PUNCT
pipe-0137	103	4	it	it	PRON
pipe-0137	103	5	makes	make	VERB
pipe-0137	103	6	sense	sense	NOUN
pipe-0137	103	7	to	to	PART
pipe-0137	103	8	determine	determine	VERB
pipe-0137	103	9	what	what	PRON
pipe-0137	103	10	you	you	PRON
pipe-0137	103	11	should	should	AUX
pipe-0137	103	12	invest	invest	VERB
pipe-0137	103	13	in	in	ADP
pipe-0137	103	14	—	—	PUNCT
pipe-0137	103	15	usually	usually	ADV
pipe-0137	103	16	a	a	DET
pipe-0137	103	17	mix	mix	NOUN
pipe-0137	103	18	of	of	ADP
pipe-0137	103	19	stock	stock	NOUN
pipe-0137	103	20	mutual	mutual	ADJ
pipe-0137	103	21	funds	fund	NOUN
pipe-0137	103	22	,	,	PUNCT
pipe-0137	103	23	bond	bond	NOUN
pipe-0137	103	24	mutual	mutual	ADJ
pipe-0137	103	25	funds	fund	NOUN
pipe-0137	103	26	,	,	PUNCT
pipe-0137	103	27	and	and	CCONJ
pipe-0137	103	28	real	real	ADJ
pipe-0137	103	29	estate	estate	NOUN
pipe-0137	103	30	mutual	mutual	ADJ
pipe-0137	103	31	funds	fund	NOUN
pipe-0137	103	32	—	—	PUNCT
pipe-0137	103	33	and	and	CCONJ
pipe-0137	103	34	put	put	VERB
pipe-0137	103	35	your	your	PRON
pipe-0137	103	36	money	money	NOUN
pipe-0137	103	37	into	into	ADP
pipe-0137	103	38	those	those	DET
pipe-0137	103	39	funds	fund	NOUN
pipe-0137	103	40	with	with	ADP
pipe-0137	103	41	the	the	DET
pipe-0137	103	42	very	very	ADV
pipe-0137	103	43	lowest	low	ADJ
pipe-0137	103	44	overhead	overhead	NOUN
pipe-0137	103	45	(	(	PUNCT
pipe-0137	103	46	i.e	i.e	X
pipe-0137	103	47	vanguard	vanguard	NOUN
pipe-0137	103	48	or	or	CCONJ
pipe-0137	103	49	tiaa	tiaa	NOUN
pipe-0137	103	50	-	-	PUNCT
pipe-0137	103	51	cref	cref	NOUN
pipe-0137	103	52	)	)	PUNCT
pipe-0137	103	53	.	.	PUNCT
pipe-0137	104	1	any	any	DET
pipe-0137	104	2	investment	investment	NOUN
pipe-0137	104	3	company	company	NOUN
pipe-0137	104	4	will	will	AUX
pipe-0137	104	5	help	help	VERB
pipe-0137	104	6	you	you	PRON
pipe-0137	104	7	determine	determine	VERB
pipe-0137	104	8	the	the	DET
pipe-0137	104	9	right	right	ADJ
pipe-0137	104	10	mix	mix	NOUN
pipe-0137	104	11	for	for	ADP
pipe-0137	104	12	you	you	PRON
pipe-0137	104	13	,	,	PUNCT
pipe-0137	104	14	and	and	CCONJ
pipe-0137	104	15	they	they	PRON
pipe-0137	104	16	’ll	’ll	AUX
pipe-0137	104	17	do	do	VERB
pipe-0137	104	18	it	it	PRON
pipe-0137	104	19	for	for	ADP
pipe-0137	104	20	free	free	ADJ
pipe-0137	104	21	,	,	PUNCT
pipe-0137	104	22	either	either	CCONJ
pipe-0137	104	23	in	in	ADP
pipe-0137	104	24	person	person	NOUN
pipe-0137	104	25	,	,	PUNCT
pipe-0137	104	26	over	over	ADP
pipe-0137	104	27	the	the	DET
pipe-0137	104	28	phone	phone	NOUN
pipe-0137	104	29	,	,	PUNCT
pipe-0137	104	30	or	or	CCONJ
pipe-0137	104	31	online	online	ADV
pipe-0137	104	32	.	.	PUNCT
pipe-0137	105	1	malkiel	malkiel	PROPN
pipe-0137	105	2	also	also	ADV
pipe-0137	105	3	does	do	VERB
pipe-0137	105	4	a	a	DET
pipe-0137	105	5	good	good	ADJ
pipe-0137	105	6	job	job	NOUN
pipe-0137	105	7	of	of	ADP
pipe-0137	105	8	walking	walk	VERB
pipe-0137	105	9	you	you	PRON
pipe-0137	105	10	through	through	ADP
pipe-0137	105	11	the	the	DET
pipe-0137	105	12	process	process	NOUN
pipe-0137	105	13	in	in	ADP
pipe-0137	105	14	his	his	PRON
pipe-0137	105	15	book	book	NOUN
pipe-0137	105	16	.	.	PUNCT
pipe-0137	106	1	the	the	DET
pipe-0137	106	2	idea	idea	NOUN
pipe-0137	106	3	behind	behind	ADP
pipe-0137	106	4	this	this	DET
pipe-0137	106	5	sort	sort	NOUN
pipe-0137	106	6	of	of	ADP
pipe-0137	106	7	asset	asset	NOUN
pipe-0137	106	8	allocation	allocation	NOUN
pipe-0137	106	9	is	be	AUX
pipe-0137	106	10	that	that	SCONJ
pipe-0137	106	11	it	it	PRON
pipe-0137	106	12	helps	help	VERB
pipe-0137	106	13	you	you	PRON
pipe-0137	106	14	manage	manage	VERB
pipe-0137	106	15	risk	risk	NOUN
pipe-0137	106	16	.	.	PUNCT
pipe-0137	107	1	in	in	ADP
pipe-0137	107	2	general	general	ADJ
pipe-0137	107	3	,	,	PUNCT
pipe-0137	107	4	bonds	bond	NOUN
pipe-0137	107	5	carry	carry	VERB
pipe-0137	107	6	less	less	ADJ
pipe-0137	107	7	risk	risk	NOUN
pipe-0137	107	8	than	than	ADP
pipe-0137	107	9	stocks	stock	NOUN
pipe-0137	107	10	,	,	PUNCT
pipe-0137	107	11	which	which	PRON
pipe-0137	107	12	is	be	AUX
pipe-0137	107	13	why	why	SCONJ
pipe-0137	107	14	bonds	bond	NOUN
pipe-0137	107	15	typically	typically	ADV
pipe-0137	107	16	have	have	VERB
pipe-0137	107	17	more	more	ADV
pipe-0137	107	18	consistent	consistent	ADJ
pipe-0137	107	19	returns	return	NOUN
pipe-0137	107	20	from	from	ADP
pipe-0137	107	21	year	year	NOUN
pipe-0137	107	22	to	to	ADP
pipe-0137	107	23	year	year	NOUN
pipe-0137	107	24	,	,	PUNCT
pipe-0137	107	25	but	but	CCONJ
pipe-0137	107	26	stocks	stock	NOUN
pipe-0137	107	27	have	have	VERB
pipe-0137	107	28	higher	high	ADJ
pipe-0137	107	29	returns	return	NOUN
pipe-0137	107	30	on	on	ADP
pipe-0137	107	31	average.9	average.9	NOUN
pipe-0137	107	32	for	for	ADP
pipe-0137	107	33	people	people	NOUN
pipe-0137	107	34	who	who	PRON
pipe-0137	107	35	wo	will	AUX
pipe-0137	107	36	n’t	not	PART
pipe-0137	107	37	need	need	VERB
pipe-0137	107	38	the	the	DET
pipe-0137	107	39	money	money	NOUN
pipe-0137	107	40	for	for	ADP
pipe-0137	107	41	a	a	DET
pipe-0137	107	42	while	while	NOUN
pipe-0137	107	43	and	and	CCONJ
pipe-0137	107	44	can	can	AUX
pipe-0137	107	45	wait	wait	VERB
pipe-0137	107	46	out	out	ADP
pipe-0137	107	47	the	the	DET
pipe-0137	107	48	bad	bad	ADJ
pipe-0137	107	49	stretches	stretch	NOUN
pipe-0137	107	50	,	,	PUNCT
pipe-0137	107	51	it	it	PRON
pipe-0137	107	52	makes	make	VERB
pipe-0137	107	53	sense	sense	NOUN
pipe-0137	107	54	to	to	PART
pipe-0137	107	55	invest	invest	VERB
pipe-0137	107	56	mostly	mostly	ADV
pipe-0137	107	57	in	in	ADP
pipe-0137	107	58	mutual	mutual	ADJ
pipe-0137	107	59	funds	fund	NOUN
pipe-0137	107	60	that	that	PRON
pipe-0137	107	61	focus	focus	VERB
pipe-0137	107	62	on	on	ADP
pipe-0137	107	63	stocks	stock	NOUN
pipe-0137	107	64	.	.	PUNCT
pipe-0137	108	1	keep	keep	VERB
pipe-0137	108	2	in	in	ADP
pipe-0137	108	3	mind	mind	NOUN
pipe-0137	108	4	that	that	SCONJ
pipe-0137	108	5	the	the	DET
pipe-0137	108	6	bad	bad	ADJ
pipe-0137	108	7	stretches	stretch	NOUN
pipe-0137	108	8	can	can	AUX
pipe-0137	108	9	last	last	VERB
pipe-0137	108	10	for	for	ADP
pipe-0137	108	11	a	a	DET
pipe-0137	108	12	decade	decade	NOUN
pipe-0137	108	13	or	or	CCONJ
pipe-0137	108	14	more	more	ADJ
pipe-0137	108	15	:	:	PUNCT
pipe-0137	108	16	japan	japan	PROPN
pipe-0137	108	17	’s	’s	PART
pipe-0137	108	18	stock	stock	NOUN
pipe-0137	108	19	market	market	NOUN
pipe-0137	108	20	currently	currently	ADV
pipe-0137	108	21	trades	trade	VERB
pipe-0137	108	22	at	at	ADP
pipe-0137	108	23	20	20	NUM
pipe-0137	108	24	%	%	NOUN
pipe-0137	108	25	of	of	ADP
pipe-0137	108	26	the	the	DET
pipe-0137	108	27	value	value	NOUN
pipe-0137	108	28	it	it	PRON
pipe-0137	108	29	attained	attain	VERB
pipe-0137	108	30	in	in	ADP
pipe-0137	108	31	1990	1990	NUM
pipe-0137	108	32	.	.	PUNCT
pipe-0137	109	1	for	for	ADP
pipe-0137	109	2	retirees	retiree	NOUN
pipe-0137	109	3	who	who	PRON
pipe-0137	109	4	need	need	VERB
pipe-0137	109	5	the	the	DET
pipe-0137	109	6	money	money	NOUN
pipe-0137	109	7	for	for	ADP
pipe-0137	109	8	living	living	NOUN
pipe-0137	109	9	expenses	expense	NOUN
pipe-0137	109	10	,	,	PUNCT
pipe-0137	109	11	or	or	CCONJ
pipe-0137	109	12	people	people	NOUN
pipe-0137	109	13	approaching	approach	VERB
pipe-0137	109	14	retirement	retirement	NOUN
pipe-0137	109	15	,	,	PUNCT
pipe-0137	109	16	it	it	PRON
pipe-0137	109	17	makes	make	VERB
pipe-0137	109	18	sense	sense	NOUN
pipe-0137	109	19	to	to	PART
pipe-0137	109	20	invest	invest	VERB
pipe-0137	109	21	most	most	ADJ
pipe-0137	109	22	of	of	ADP
pipe-0137	109	23	your	your	PRON
pipe-0137	109	24	money	money	NOUN
pipe-0137	109	25	in	in	ADP
pipe-0137	109	26	mutual	mutual	ADJ
pipe-0137	109	27	funds	fund	NOUN
pipe-0137	109	28	that	that	PRON
pipe-0137	109	29	focus	focus	VERB
pipe-0137	109	30	on	on	ADP
pipe-0137	109	31	bonds	bond	NOUN
pipe-0137	109	32	.	.	PUNCT
pipe-0137	110	1	as	as	SCONJ
pipe-0137	110	2	you	you	PRON
pipe-0137	110	3	get	get	VERB
pipe-0137	110	4	closer	close	ADJ
pipe-0137	110	5	to	to	ADP
pipe-0137	110	6	retirement	retirement	NOUN
pipe-0137	110	7	,	,	PUNCT
pipe-0137	110	8	you	you	PRON
pipe-0137	110	9	change	change	VERB
pipe-0137	110	10	your	your	PRON
pipe-0137	110	11	target	target	NOUN
pipe-0137	110	12	mix	mix	NOUN
pipe-0137	110	13	,	,	PUNCT
pipe-0137	110	14	gradually	gradually	ADV
pipe-0137	110	15	,	,	PUNCT
pipe-0137	110	16	from	from	ADP
pipe-0137	110	17	mostly	mostly	ADV
pipe-0137	110	18	stocks	stock	NOUN
pipe-0137	110	19	to	to	ADP
pipe-0137	110	20	mostly	mostly	ADV
pipe-0137	110	21	bonds	bond	NOUN
pipe-0137	110	22	.	.	PUNCT
pipe-0137	111	1	having	have	VERB
pipe-0137	111	2	a	a	DET
pipe-0137	111	3	target	target	NOUN
pipe-0137	111	4	mix	mix	NOUN
pipe-0137	111	5	—	—	PUNCT
pipe-0137	111	6	for	for	ADP
pipe-0137	111	7	instance	instance	NOUN
pipe-0137	111	8	,	,	PUNCT
pipe-0137	111	9	60	60	NUM
pipe-0137	111	10	%	%	NOUN
pipe-0137	111	11	stocks	stock	NOUN
pipe-0137	111	12	,	,	PUNCT
pipe-0137	111	13	25	25	NUM
pipe-0137	111	14	%	%	NOUN
pipe-0137	111	15	bonds	bond	NOUN
pipe-0137	111	16	,	,	PUNCT
pipe-0137	111	17	10	10	NUM
pipe-0137	111	18	%	%	NOUN
pipe-0137	111	19	real	real	ADJ
pipe-0137	111	20	estate	estate	NOUN
pipe-0137	111	21	,	,	PUNCT
pipe-0137	111	22	and	and	CCONJ
pipe-0137	111	23	5	5	NUM
pipe-0137	111	24	%	%	NOUN
pipe-0137	111	25	cash	cash	NOUN
pipe-0137	111	26	—	—	PUNCT
pipe-0137	111	27	also	also	ADV
pipe-0137	111	28	helps	help	VERB
pipe-0137	111	29	you	you	PRON
pipe-0137	111	30	buy	buy	VERB
pipe-0137	111	31	low	low	ADJ
pipe-0137	111	32	and	and	CCONJ
pipe-0137	111	33	sell	sell	VERB
pipe-0137	111	34	high	high	ADJ
pipe-0137	111	35	.	.	PUNCT
pipe-0137	112	1	rather	rather	ADV
pipe-0137	112	2	than	than	ADP
pipe-0137	112	3	trying	try	VERB
pipe-0137	112	4	to	to	PART
pipe-0137	112	5	guess	guess	VERB
pipe-0137	112	6	if	if	SCONJ
pipe-0137	112	7	stocks	stock	NOUN
pipe-0137	112	8	or	or	CCONJ
pipe-0137	112	9	bonds	bond	NOUN
pipe-0137	112	10	are	be	AUX
pipe-0137	112	11	going	go	VERB
pipe-0137	112	12	to	to	PART
pipe-0137	112	13	do	do	VERB
pipe-0137	112	14	better	well	ADV
pipe-0137	112	15	,	,	PUNCT
pipe-0137	112	16	you	you	PRON
pipe-0137	112	17	automatically	automatically	ADV
pipe-0137	112	18	buy	buy	VERB
pipe-0137	112	19	the	the	DET
pipe-0137	112	20	funds	fund	NOUN
pipe-0137	112	21	in	in	ADP
pipe-0137	112	22	your	your	PRON
pipe-0137	112	23	asset	asset	NOUN
pipe-0137	112	24	mix	mix	NOUN
pipe-0137	112	25	.	.	PUNCT
pipe-0137	113	1	every	every	DET
pipe-0137	113	2	year	year	NOUN
pipe-0137	113	3	or	or	CCONJ
pipe-0137	113	4	so	so	ADV
pipe-0137	113	5	,	,	PUNCT
pipe-0137	113	6	you	you	PRON
pipe-0137	113	7	check	check	VERB
pipe-0137	113	8	to	to	PART
pipe-0137	113	9	see	see	VERB
pipe-0137	113	10	if	if	SCONJ
pipe-0137	113	11	one	one	NUM
pipe-0137	113	12	of	of	ADP
pipe-0137	113	13	your	your	PRON
pipe-0137	113	14	asset	asset	NOUN
pipe-0137	113	15	classes	class	NOUN
pipe-0137	113	16	is	be	AUX
pipe-0137	113	17	doing	do	VERB
pipe-0137	113	18	especially	especially	ADV
pipe-0137	113	19	well	well	ADV
pipe-0137	113	20	or	or	CCONJ
pipe-0137	113	21	especially	especially	ADV
pipe-0137	113	22	badly	badly	ADV
pipe-0137	113	23	.	.	PUNCT
pipe-0137	114	1	for	for	ADP
pipe-0137	114	2	instance	instance	NOUN
pipe-0137	114	3	,	,	PUNCT
pipe-0137	114	4	maybe	maybe	ADV
pipe-0137	114	5	stocks	stock	NOUN
pipe-0137	114	6	have	have	AUX
pipe-0137	114	7	been	be	AUX
pipe-0137	114	8	going	go	VERB
pipe-0137	114	9	through	through	ADP
pipe-0137	114	10	such	such	DET
pipe-0137	114	11	a	a	DET
pipe-0137	114	12	bad	bad	ADJ
pipe-0137	114	13	stretch	stretch	NOUN
pipe-0137	114	14	that	that	PRON
pipe-0137	114	15	,	,	PUNCT
pipe-0137	114	16	even	even	ADV
pipe-0137	114	17	though	though	SCONJ
pipe-0137	114	18	you	you	PRON
pipe-0137	114	19	’ve	’ve	AUX
pipe-0137	114	20	been	be	AUX
pipe-0137	114	21	putting	put	VERB
pipe-0137	114	22	60	60	NUM
pipe-0137	114	23	%	%	NOUN
pipe-0137	114	24	of	of	ADP
pipe-0137	114	25	your	your	PRON
pipe-0137	114	26	money	money	NOUN
pipe-0137	114	27	into	into	ADP
pipe-0137	114	28	it	it	PRON
pipe-0137	114	29	,	,	PUNCT
pipe-0137	114	30	your	your	PRON
pipe-0137	114	31	stock	stock	NOUN
pipe-0137	114	32	mutual	mutual	ADJ
pipe-0137	114	33	fund	fund	NOUN
pipe-0137	114	34	now	now	ADV
pipe-0137	114	35	represents	represent	VERB
pipe-0137	114	36	only	only	ADV
pipe-0137	114	37	45	45	NUM
pipe-0137	114	38	%	%	NOUN
pipe-0137	114	39	of	of	ADP
pipe-0137	114	40	your	your	PRON
pipe-0137	114	41	holdings	holding	NOUN
pipe-0137	114	42	.	.	PUNCT
pipe-0137	115	1	having	have	VERB
pipe-0137	115	2	a	a	DET
pipe-0137	115	3	target	target	NOUN
pipe-0137	115	4	mix	mix	NOUN
pipe-0137	115	5	would	would	AUX
pipe-0137	115	6	help	help	VERB
pipe-0137	115	7	you	you	PRON
pipe-0137	115	8	have	have	VERB
pipe-0137	115	9	the	the	DET
pipe-0137	115	10	discipline	discipline	NOUN
pipe-0137	115	11	to	to	PART
pipe-0137	115	12	sell	sell	VERB
pipe-0137	115	13	enough	enough	ADJ
pipe-0137	115	14	of	of	ADP
pipe-0137	115	15	your	your	PRON
pipe-0137	115	16	bond	bond	NOUN
pipe-0137	115	17	and	and	CCONJ
pipe-0137	115	18	real	real	ADJ
pipe-0137	115	19	estate	estate	NOUN
pipe-0137	115	20	mutual	mutual	ADJ
pipe-0137	115	21	funds	fund	NOUN
pipe-0137	115	22	to	to	PART
pipe-0137	115	23	get	get	VERB
pipe-0137	115	24	your	your	PRON
pipe-0137	115	25	stock	stock	NOUN
pipe-0137	115	26	fund	fund	NOUN
pipe-0137	115	27	back	back	ADV
pipe-0137	115	28	up	up	ADP
pipe-0137	115	29	to	to	PART
pipe-0137	115	30	60	60	NUM
pipe-0137	115	31	%	%	NOUN
pipe-0137	115	32	.	.	PUNCT
pipe-0137	116	1	investors	investor	NOUN
pipe-0137	116	2	,	,	PUNCT
pipe-0137	116	3	in	in	ADP
pipe-0137	116	4	aggregate	aggregate	NOUN
pipe-0137	116	5	,	,	PUNCT
pipe-0137	116	6	do	do	AUX
pipe-0137	116	7	not	not	PART
pipe-0137	116	8	have	have	VERB
pipe-0137	116	9	the	the	DET
pipe-0137	116	10	discipline	discipline	NOUN
pipe-0137	116	11	to	to	PART
pipe-0137	116	12	sell	sell	VERB
pipe-0137	116	13	high	high	ADJ
pipe-0137	116	14	and	and	CCONJ
pipe-0137	116	15	buy	buy	VERB
pipe-0137	116	16	low	low	ADJ
pipe-0137	116	17	;	;	PUNCT
pipe-0137	116	18	in	in	ADP
pipe-0137	116	19	fact	fact	NOUN
pipe-0137	116	20	,	,	PUNCT
pipe-0137	116	21	as	as	ADP
pipe-0137	116	22	an	an	DET
pipe-0137	116	23	often	often	ADV
pipe-0137	116	24	cited	cite	VERB
pipe-0137	116	25	study	study	NOUN
pipe-0137	116	26	called	call	VERB
pipe-0137	116	27	“	"	PUNCT
pipe-0137	116	28	quantitative	quantitative	ADJ
pipe-0137	116	29	analysis	analysis	NOUN
pipe-0137	116	30	of	of	ADP
pipe-0137	116	31	investor	investor	NOUN
pipe-0137	116	32	behavior	behavior	NOUN
pipe-0137	116	33	”	"	PUNCT
pipe-0137	116	34	reveals	reveal	VERB
pipe-0137	116	35	,	,	PUNCT
pipe-0137	116	36	most	most	ADJ
pipe-0137	116	37	investors	investor	NOUN
pipe-0137	116	38	do	do	VERB
pipe-0137	116	39	the	the	DET
pipe-0137	116	40	opposite	opposite	NOUN
pipe-0137	116	41	:	:	PUNCT
pipe-0137	116	42	they	they	PRON
pipe-0137	116	43	buy	buy	VERB
pipe-0137	116	44	just	just	ADV
pipe-0137	116	45	before	before	SCONJ
pipe-0137	116	46	bubbles	bubble	NOUN
pipe-0137	116	47	burst	burst	VERB
pipe-0137	116	48	and	and	CCONJ
pipe-0137	116	49	sell	sell	VERB
pipe-0137	116	50	just	just	ADV
pipe-0137	116	51	before	before	ADP
pipe-0137	116	52	recoveries	recovery	NOUN
pipe-0137	116	53	.	.	PUNCT
pipe-0137	117	1	you	you	PRON
pipe-0137	117	2	can	can	AUX
pipe-0137	117	3	automate	automate	VERB
pipe-0137	117	4	your	your	PRON
pipe-0137	117	5	rebalancing	rebalancing	NOUN
pipe-0137	117	6	by	by	ADP
pipe-0137	117	7	investing	invest	VERB
pipe-0137	117	8	in	in	ADP
pipe-0137	117	9	vanguard	vanguard	PROPN
pipe-0137	117	10	’s	’s	PART
pipe-0137	117	11	target	target	NOUN
pipe-0137	117	12	retirement	retirement	NOUN
pipe-0137	117	13	funds	fund	NOUN
pipe-0137	117	14	or	or	CCONJ
pipe-0137	117	15	tiaa	tiaa	NOUN
pipe-0137	117	16	-	-	PUNCT
pipe-0137	117	17	cref	cref	NOUN
pipe-0137	117	18	’s	’s	PART
pipe-0137	117	19	lifecycle	lifecycle	NOUN
pipe-0137	117	20	funds	fund	NOUN
pipe-0137	117	21	.	.	PUNCT
pipe-0137	118	1	you	you	PRON
pipe-0137	118	2	pick	pick	VERB
pipe-0137	118	3	the	the	DET
pipe-0137	118	4	year	year	NOUN
pipe-0137	118	5	you	you	PRON
pipe-0137	118	6	expect	expect	VERB
pipe-0137	118	7	to	to	PART
pipe-0137	118	8	retire	retire	VERB
pipe-0137	118	9	and	and	CCONJ
pipe-0137	118	10	the	the	DET
pipe-0137	118	11	company	company	NOUN
pipe-0137	118	12	does	do	VERB
pipe-0137	118	13	the	the	DET
pipe-0137	118	14	allocation	allocation	NOUN
pipe-0137	118	15	and	and	CCONJ
pipe-0137	118	16	rebalancing	rebalancing	NOUN
pipe-0137	118	17	for	for	ADP
pipe-0137	118	18	you	you	PRON
pipe-0137	118	19	.	.	PUNCT
pipe-0137	119	1	indexing	indexing	NOUN
pipe-0137	119	2	let	let	VERB
pipe-0137	119	3	’s	’s	PRON
pipe-0137	119	4	say	say	VERB
pipe-0137	119	5	you	you	PRON
pipe-0137	119	6	had	have	VERB
pipe-0137	119	7	to	to	PART
pipe-0137	119	8	run	run	VERB
pipe-0137	119	9	a	a	DET
pipe-0137	119	10	library	you	NOUN
pipe-0137	119	11	all	all	ADV
pipe-0137	119	12	by	by	ADP
pipe-0137	119	13	yourself	yourself	PRON
pipe-0137	119	14	and	and	CCONJ
pipe-0137	119	15	had	have	VERB
pipe-0137	119	16	almost	almost	ADV
pipe-0137	119	17	no	no	PRON
pipe-0137	119	18	money	money	NOUN
pipe-0137	119	19	with	with	ADP
pipe-0137	119	20	which	which	PRON
pipe-0137	119	21	to	to	PART
pipe-0137	119	22	do	do	VERB
pipe-0137	119	23	it	it	PRON
pipe-0137	119	24	.	.	PUNCT
pipe-0137	120	1	you	you	PRON
pipe-0137	120	2	could	could	AUX
pipe-0137	120	3	install	install	VERB
pipe-0137	120	4	self	self	NOUN
pipe-0137	120	5	-	-	PUNCT
pipe-0137	120	6	checkout	checkout	NOUN
pipe-0137	120	7	machines	machine	NOUN
pipe-0137	120	8	,	,	PUNCT
pipe-0137	120	9	have	have	AUX
pipe-0137	120	10	all	all	DET
pipe-0137	120	11	reference	reference	NOUN
pipe-0137	120	12	questions	question	NOUN
pipe-0137	120	13	handled	handle	VERB
pipe-0137	120	14	remotely	remotely	ADV
pipe-0137	120	15	,	,	PUNCT
pipe-0137	120	16	and	and	CCONJ
pipe-0137	120	17	set	set	VERB
pipe-0137	120	18	up	up	ADP
pipe-0137	120	19	standing	standing	NOUN
pipe-0137	120	20	orders	order	NOUN
pipe-0137	120	21	for	for	ADP
pipe-0137	120	22	shelf	shelf	NOUN
pipe-0137	120	23	-	-	PUNCT
pipe-0137	120	24	ready	ready	ADJ
pipe-0137	120	25	books	book	NOUN
pipe-0137	120	26	,	,	PUNCT
pipe-0137	120	27	such	such	ADJ
pipe-0137	120	28	as	as	ADP
pipe-0137	120	29	anything	anything	PRON
pipe-0137	120	30	that	that	PRON
pipe-0137	120	31	made	make	VERB
pipe-0137	120	32	the	the	DET
pipe-0137	120	33	best	good	ADJ
pipe-0137	120	34	-	-	PUNCT
pipe-0137	120	35	seller	seller	NOUN
pipe-0137	120	36	list	list	NOUN
pipe-0137	120	37	or	or	CCONJ
pipe-0137	120	38	was	be	AUX
pipe-0137	120	39	included	include	VERB
pipe-0137	120	40	in	in	ADP
pipe-0137	120	41	the	the	DET
pipe-0137	120	42	appropriate	appropriate	ADJ
pipe-0137	120	43	core	core	NOUN
pipe-0137	120	44	collection	collection	NOUN
pipe-0137	120	45	.	.	PUNCT
pipe-0137	121	1	that	that	PRON
pipe-0137	121	2	was	be	AUX
pipe-0137	121	3	the	the	DET
pipe-0137	121	4	idea	idea	NOUN
pipe-0137	121	5	behind	behind	ADP
pipe-0137	121	6	the	the	DET
pipe-0137	121	7	first	first	ADJ
pipe-0137	121	8	index	index	NOUN
pipe-0137	121	9	fund	fund	NOUN
pipe-0137	121	10	,	,	PUNCT
pipe-0137	121	11	the	the	DET
pipe-0137	121	12	vanguard	vanguard	PROPN
pipe-0137	121	13	500	500	NUM
pipe-0137	121	14	,	,	PUNCT
pipe-0137	121	15	which	which	PRON
pipe-0137	121	16	started	start	VERB
pipe-0137	121	17	in	in	ADP
pipe-0137	121	18	1976	1976	NUM
pipe-0137	121	19	.	.	PUNCT
pipe-0137	122	1	rather	rather	ADV
pipe-0137	122	2	than	than	ADP
pipe-0137	122	3	researching	research	VERB
pipe-0137	122	4	which	which	DET
pipe-0137	122	5	stocks	stock	NOUN
pipe-0137	122	6	to	to	PART
pipe-0137	122	7	buy	buy	VERB
pipe-0137	122	8	,	,	PUNCT
pipe-0137	122	9	vanguard	vanguard	PROPN
pipe-0137	122	10	founder	founder	PROPN
pipe-0137	122	11	john	john	PROPN
pipe-0137	122	12	bogle	bogle	PROPN
pipe-0137	122	13	set	set	VERB
pipe-0137	122	14	up	up	ADP
pipe-0137	122	15	his	his	PRON
pipe-0137	122	16	mutual	mutual	ADJ
pipe-0137	122	17	fund	fund	NOUN
pipe-0137	122	18	to	to	PART
pipe-0137	122	19	buy	buy	VERB
pipe-0137	122	20	everything	everything	PRON
pipe-0137	122	21	in	in	ADP
pipe-0137	122	22	the	the	DET
pipe-0137	122	23	standard	standard	PROPN
pipe-0137	122	24	&	&	CCONJ
pipe-0137	122	25	poor	poor	PROPN
pipe-0137	122	26	’s	’s	PART
pipe-0137	122	27	500	500	NUM
pipe-0137	122	28	index	index	NOUN
pipe-0137	122	29	,	,	PUNCT
pipe-0137	122	30	a	a	DET
pipe-0137	122	31	collection	collection	NOUN
pipe-0137	122	32	of	of	ADP
pipe-0137	122	33	500	500	NUM
pipe-0137	122	34	large	large	ADJ
pipe-0137	122	35	companies	company	NOUN
pipe-0137	122	36	whose	whose	DET
pipe-0137	122	37	aggregated	aggregated	ADJ
pipe-0137	122	38	stock	stock	NOUN
pipe-0137	122	39	prices	price	NOUN
pipe-0137	122	40	are	be	AUX
pipe-0137	122	41	intended	intend	VERB
pipe-0137	122	42	to	to	PART
pipe-0137	122	43	mirror	mirror	VERB
pipe-0137	122	44	the	the	DET
pipe-0137	122	45	u.s	u.s	PROPN
pipe-0137	122	46	.	.	PROPN
pipe-0137	122	47	stock	stock	NOUN
pipe-0137	122	48	market	market	NOUN
pipe-0137	122	49	as	as	ADP
pipe-0137	122	50	a	a	DET
pipe-0137	122	51	whole	whole	NOUN
pipe-0137	122	52	.	.	PUNCT
pipe-0137	123	1	by	by	ADP
pipe-0137	123	2	eliminating	eliminate	VERB
pipe-0137	123	3	research	research	NOUN
pipe-0137	123	4	and	and	CCONJ
pipe-0137	123	5	other	other	ADJ
pipe-0137	123	6	overhead	overhead	ADJ
pipe-0137	123	7	charges	charge	NOUN
pipe-0137	123	8	,	,	PUNCT
pipe-0137	123	9	bogle	bogle	NOUN
pipe-0137	123	10	found	find	VERB
pipe-0137	123	11	that	that	SCONJ
pipe-0137	123	12	he	he	PRON
pipe-0137	123	13	could	could	AUX
pipe-0137	123	14	generate	generate	VERB
pipe-0137	123	15	returns	return	NOUN
pipe-0137	123	16	that	that	PRON
pipe-0137	123	17	did	do	VERB
pipe-0137	123	18	better	well	ADV
pipe-0137	123	19	than	than	ADP
pipe-0137	123	20	most	most	ADJ
pipe-0137	123	21	other	other	ADJ
pipe-0137	123	22	mutual	mutual	ADJ
pipe-0137	123	23	funds	fund	NOUN
pipe-0137	123	24	,	,	PUNCT
pipe-0137	123	25	often	often	ADV
pipe-0137	123	26	much	much	ADV
pipe-0137	123	27	better	well	ADV
pipe-0137	123	28	.	.	PUNCT
pipe-0137	124	1	today	today	NOUN
pipe-0137	124	2	,	,	PUNCT
pipe-0137	124	3	there	there	PRON
pipe-0137	124	4	are	be	VERB
pipe-0137	124	5	low	low	ADJ
pipe-0137	124	6	-	-	PUNCT
pipe-0137	124	7	cost	cost	NOUN
pipe-0137	124	8	index	index	NOUN
pipe-0137	124	9	funds	fund	NOUN
pipe-0137	124	10	that	that	PRON
pipe-0137	124	11	track	track	VERB
pipe-0137	124	12	most	most	ADJ
pipe-0137	124	13	segments	segment	NOUN
pipe-0137	124	14	of	of	ADP
pipe-0137	124	15	the	the	DET
pipe-0137	124	16	market	market	NOUN
pipe-0137	124	17	.	.	PUNCT
pipe-0137	125	1	for	for	ADP
pipe-0137	125	2	many	many	ADJ
pipe-0137	125	3	people	people	NOUN
pipe-0137	125	4	,	,	PUNCT
pipe-0137	125	5	that	that	PRON
pipe-0137	125	6	’s	’	VERB
pipe-0137	125	7	the	the	DET
pipe-0137	125	8	easiest	easy	ADJ
pipe-0137	125	9	way	way	NOUN
pipe-0137	125	10	to	to	PART
pipe-0137	125	11	get	get	VERB
pipe-0137	125	12	consistent	consistent	ADJ
pipe-0137	125	13	returns	return	NOUN
pipe-0137	125	14	in	in	ADP
pipe-0137	125	15	the	the	DET
pipe-0137	125	16	asset	asset	NOUN
pipe-0137	125	17	classes	class	NOUN
pipe-0137	125	18	it	it	PRON
pipe-0137	125	19	makes	make	VERB
pipe-0137	125	20	sense	sense	NOUN
pipe-0137	125	21	for	for	SCONJ
pipe-0137	125	22	them	they	PRON
pipe-0137	125	23	to	to	PART
pipe-0137	125	24	hold	hold	VERB
pipe-0137	125	25	.	.	PUNCT
pipe-0137	126	1	hiring	hire	VERB
pipe-0137	126	2	an	an	DET
pipe-0137	126	3	advisor	advisor	NOUN
pipe-0137	126	4	if	if	SCONJ
pipe-0137	126	5	you	you	PRON
pipe-0137	126	6	are	be	AUX
pipe-0137	126	7	n’t	not	PART
pipe-0137	126	8	investing	invest	VERB
pipe-0137	126	9	directly	directly	ADV
pipe-0137	126	10	in	in	ADP
pipe-0137	126	11	an	an	DET
pipe-0137	126	12	index	index	NOUN
pipe-0137	126	13	fund	fund	NOUN
pipe-0137	126	14	,	,	PUNCT
pipe-0137	126	15	you	you	PRON
pipe-0137	126	16	’re	’re	AUX
pipe-0137	126	17	either	either	ADV
pipe-0137	126	18	picking	pick	VERB
pipe-0137	126	19	your	your	PRON
pipe-0137	126	20	own	own	ADJ
pipe-0137	126	21	stocks	stock	NOUN
pipe-0137	126	22	and	and	CCONJ
pipe-0137	126	23	bonds	bond	NOUN
pipe-0137	126	24	(	(	PUNCT
pipe-0137	126	25	which	which	PRON
pipe-0137	126	26	is	be	AUX
pipe-0137	126	27	almost	almost	ADV
pipe-0137	126	28	always	always	ADV
pipe-0137	126	29	a	a	DET
pipe-0137	126	30	bad	bad	ADJ
pipe-0137	126	31	idea	idea	NOUN
pipe-0137	126	32	,	,	PUNCT
pipe-0137	126	33	even	even	ADV
pipe-0137	126	34	for	for	ADP
pipe-0137	126	35	professionals	professional	NOUN
pipe-0137	126	36	)	)	PUNCT
pipe-0137	126	37	or	or	CCONJ
pipe-0137	126	38	you	you	PRON
pipe-0137	126	39	’re	’re	AUX
pipe-0137	126	40	using	use	VERB
pipe-0137	126	41	an	an	DET
pipe-0137	126	42	advisor	advisor	NOUN
pipe-0137	126	43	to	to	PART
pipe-0137	126	44	pick	pick	VERB
pipe-0137	126	45	your	your	PRON
pipe-0137	126	46	investments	investment	NOUN
pipe-0137	126	47	for	for	ADP
pipe-0137	126	48	you	you	PRON
pipe-0137	126	49	.	.	PUNCT
pipe-0137	127	1	some	some	DET
pipe-0137	127	2	people	people	NOUN
pipe-0137	127	3	are	be	AUX
pipe-0137	127	4	n’t	not	PART
pipe-0137	127	5	going	go	VERB
pipe-0137	127	6	to	to	PART
pipe-0137	127	7	be	be	AUX
pipe-0137	127	8	satisfied	satisfied	ADJ
pipe-0137	127	9	with	with	ADP
pipe-0137	127	10	tobias	tobia	NOUN
pipe-0137	127	11	or	or	CCONJ
pipe-0137	127	12	malkiel	malkiel	ADJ
pipe-0137	127	13	,	,	PUNCT
pipe-0137	127	14	or	or	CCONJ
pipe-0137	127	15	they	they	PRON
pipe-0137	127	16	do	do	AUX
pipe-0137	127	17	n’t	not	PART
pipe-0137	127	18	have	have	VERB
pipe-0137	127	19	the	the	DET
pipe-0137	127	20	attention	attention	NOUN
pipe-0137	127	21	span	span	NOUN
pipe-0137	127	22	to	to	PART
pipe-0137	127	23	read	read	VERB
pipe-0137	127	24	about	about	ADP
pipe-0137	127	25	personal	personal	ADJ
pipe-0137	127	26	finance	finance	NOUN
pipe-0137	127	27	,	,	PUNCT
pipe-0137	127	28	or	or	CCONJ
pipe-0137	127	29	they	they	PRON
pipe-0137	127	30	feel	feel	VERB
pipe-0137	127	31	so	so	ADV
pipe-0137	127	32	overwhelmed	overwhelmed	ADJ
pipe-0137	127	33	by	by	ADP
pipe-0137	127	34	money	money	NOUN
pipe-0137	127	35	that	that	PRON
pipe-0137	127	36	it	it	PRON
pipe-0137	127	37	shorts	short	VERB
pipe-0137	127	38	out	out	ADP
pipe-0137	127	39	their	their	PRON
pipe-0137	127	40	ability	ability	NOUN
pipe-0137	127	41	to	to	PART
pipe-0137	127	42	think	think	VERB
pipe-0137	127	43	rationally	rationally	ADV
pipe-0137	127	44	.	.	PUNCT
pipe-0137	128	1	for	for	ADP
pipe-0137	128	2	these	these	DET
pipe-0137	128	3	folks	folk	NOUN
pipe-0137	128	4	,	,	PUNCT
pipe-0137	128	5	hiring	hire	VERB
pipe-0137	128	6	an	an	DET
pipe-0137	128	7	advisor	advisor	NOUN
pipe-0137	128	8	probably	probably	ADV
pipe-0137	128	9	makes	make	VERB
pipe-0137	128	10	sense	sense	NOUN
pipe-0137	128	11	(	(	PUNCT
pipe-0137	128	12	though	though	SCONJ
pipe-0137	128	13	if	if	SCONJ
pipe-0137	128	14	they	they	PRON
pipe-0137	128	15	have	have	AUX
pipe-0137	128	16	n’t	not	PART
pipe-0137	128	17	read	read	VERB
pipe-0137	128	18	a	a	DET
pipe-0137	128	19	book	book	NOUN
pipe-0137	128	20	like	like	ADP
pipe-0137	128	21	tobias	tobias	PROPN
pipe-0137	128	22	’s	’s	PART
pipe-0137	128	23	or	or	CCONJ
pipe-0137	128	24	malkiel	malkiel	PROPN
pipe-0137	128	25	’s	’s	NOUN
pipe-0137	128	26	,	,	PUNCT
pipe-0137	128	27	it	it	PRON
pipe-0137	128	28	’s	’s	AUX
pipe-0137	128	29	going	go	VERB
pipe-0137	128	30	to	to	PART
pipe-0137	128	31	be	be	AUX
pipe-0137	128	32	awfully	awfully	ADV
pipe-0137	128	33	difficult	difficult	ADJ
pipe-0137	128	34	for	for	SCONJ
pipe-0137	128	35	them	they	PRON
pipe-0137	128	36	to	to	PART
pipe-0137	128	37	know	know	VERB
pipe-0137	128	38	if	if	SCONJ
pipe-0137	128	39	their	their	PRON
pipe-0137	128	40	advisors	advisor	NOUN
pipe-0137	128	41	are	be	AUX
pipe-0137	128	42	doing	do	VERB
pipe-0137	128	43	a	a	DET
pipe-0137	128	44	good	good	ADJ
pipe-0137	128	45	job	job	NOUN
pipe-0137	128	46	)	)	PUNCT
pipe-0137	128	47	.	.	PUNCT
pipe-0137	129	1	as	as	SCONJ
pipe-0137	129	2	i	i	PRON
pipe-0137	129	3	mentioned	mention	VERB
pipe-0137	129	4	,	,	PUNCT
pipe-0137	129	5	vanguard	vanguard	NOUN
pipe-0137	129	6	and	and	CCONJ
pipe-0137	129	7	tiaa	tiaa	NOUN
pipe-0137	129	8	-	-	PUNCT
pipe-0137	129	9	cref	cref	NOUN
pipe-0137	129	10	(	(	PUNCT
pipe-0137	129	11	and	and	CCONJ
pipe-0137	129	12	pretty	pretty	ADV
pipe-0137	129	13	much	much	ADV
pipe-0137	129	14	every	every	DET
pipe-0137	129	15	other	other	ADJ
pipe-0137	129	16	investment	investment	NOUN
pipe-0137	129	17	company	company	NOUN
pipe-0137	129	18	)	)	PUNCT
pipe-0137	129	19	will	will	AUX
pipe-0137	129	20	give	give	VERB
pipe-0137	129	21	you	you	PRON
pipe-0137	129	22	free	free	ADJ
pipe-0137	129	23	advice	advice	NOUN
pipe-0137	129	24	if	if	SCONJ
pipe-0137	129	25	you	you	PRON
pipe-0137	129	26	use	use	VERB
pipe-0137	129	27	their	their	PRON
pipe-0137	129	28	services	service	NOUN
pipe-0137	129	29	.	.	PUNCT
pipe-0137	130	1	you	you	PRON
pipe-0137	130	2	can	can	AUX
pipe-0137	130	3	also	also	ADV
pipe-0137	130	4	get	get	VERB
pipe-0137	130	5	very	very	ADV
pipe-0137	130	6	good	good	ADJ
pipe-0137	130	7	advice	advice	NOUN
pipe-0137	130	8	at	at	ADP
pipe-0137	130	9	an	an	DET
pipe-0137	130	10	online	online	ADJ
pipe-0137	130	11	forum	forum	NOUN
pipe-0137	130	12	called	call	VERB
pipe-0137	130	13	bogleheads.org	bogleheads.org	X
pipe-0137	130	14	(	(	PUNCT
pipe-0137	130	15	formerly	formerly	ADV
pipe-0137	130	16	known	know	VERB
pipe-0137	130	17	as	as	ADP
pipe-0137	130	18	vanguard	vanguard	PROPN
pipe-0137	130	19	diehards	diehard	NOUN
pipe-0137	130	20	)	)	PUNCT
pipe-0137	130	21	.	.	PUNCT
pipe-0137	131	1	if	if	SCONJ
pipe-0137	131	2	you	you	PRON
pipe-0137	131	3	want	want	VERB
pipe-0137	131	4	to	to	PART
pipe-0137	131	5	pay	pay	VERB
pipe-0137	131	6	someone	someone	PRON
pipe-0137	131	7	to	to	PART
pipe-0137	131	8	manage	manage	VERB
pipe-0137	131	9	your	your	PRON
pipe-0137	131	10	investments	investment	NOUN
pipe-0137	131	11	,	,	PUNCT
pipe-0137	131	12	and	and	CCONJ
pipe-0137	131	13	you	you	PRON
pipe-0137	131	14	have	have	VERB
pipe-0137	131	15	a	a	DET
pipe-0137	131	16	pretty	pretty	ADV
pipe-0137	131	17	fair	fair	ADJ
pipe-0137	131	18	nest	nest	NOUN
pipe-0137	131	19	egg	egg	NOUN
pipe-0137	131	20	(	(	PUNCT
pipe-0137	131	21	minimum	minimum	NOUN
pipe-0137	131	22	amounts	amount	NOUN
pipe-0137	131	23	vary	vary	VERB
pipe-0137	131	24	)	)	PUNCT
pipe-0137	131	25	,	,	PUNCT
pipe-0137	131	26	the	the	DET
pipe-0137	131	27	low	low	ADJ
pipe-0137	131	28	-	-	PUNCT
pipe-0137	131	29	cost	cost	NOUN
pipe-0137	131	30	advisors	advisor	NOUN
pipe-0137	131	31	that	that	PRON
pipe-0137	131	32	seem	seem	VERB
pipe-0137	131	33	to	to	PART
pipe-0137	131	34	get	get	VERB
pipe-0137	131	35	a	a	DET
pipe-0137	131	36	consensus	consensus	NOUN
pipe-0137	131	37	of	of	ADP
pipe-0137	131	38	support	support	NOUN
pipe-0137	131	39	at	at	ADP
pipe-0137	131	40	bogleheads.org	bogleheads.org	X
pipe-0137	131	41	are	be	AUX
pipe-0137	131	42	portfolio	portfolio	NOUN
pipe-0137	131	43	solutions	solution	NOUN
pipe-0137	131	44	,	,	PUNCT
pipe-0137	131	45	evanson	evanson	NOUN
pipe-0137	131	46	asset	asset	NOUN
pipe-0137	131	47	management	management	NOUN
pipe-0137	131	48	,	,	PUNCT
pipe-0137	131	49	and	and	CCONJ
pipe-0137	131	50	cardiff	cardiff	ADJ
pipe-0137	131	51	park	park	NOUN
pipe-0137	131	52	advisors	advisor	NOUN
pipe-0137	131	53	,	,	PUNCT
pipe-0137	131	54	roughly	roughly	ADV
pipe-0137	131	55	in	in	ADP
pipe-0137	131	56	that	that	DET
pipe-0137	131	57	order	order	NOUN
pipe-0137	131	58	.	.	PUNCT
pipe-0137	132	1	for	for	ADP
pipe-0137	132	2	those	those	PRON
pipe-0137	132	3	with	with	ADP
pipe-0137	132	4	a	a	DET
pipe-0137	132	5	bit	bit	NOUN
pipe-0137	132	6	less	less	ADJ
pipe-0137	132	7	money	money	NOUN
pipe-0137	132	8	,	,	PUNCT
pipe-0137	132	9	bogleheads	boglehead	NOUN
pipe-0137	132	10	posters	poster	NOUN
pipe-0137	132	11	seem	seem	VERB
pipe-0137	132	12	to	to	PART
pipe-0137	132	13	like	like	VERB
pipe-0137	132	14	a	a	DET
pipe-0137	132	15	new	new	ADJ
pipe-0137	132	16	advisor	advisor	NOUN
pipe-0137	132	17	called	call	VERB
pipe-0137	132	18	assetbuilder	assetbuilder	NOUN
pipe-0137	132	19	,	,	PUNCT
pipe-0137	132	20	which	which	PRON
pipe-0137	132	21	was	be	AUX
pipe-0137	132	22	co	co	VERB
pipe-0137	132	23	-	-	VERB
pipe-0137	132	24	founded	found	VERB
pipe-0137	132	25	by	by	ADP
pipe-0137	132	26	investment	investment	NOUN
pipe-0137	132	27	writer	writer	NOUN
pipe-0137	132	28	scott	scott	PROPN
pipe-0137	132	29	burns	burn	NOUN
pipe-0137	132	30	.	.	PUNCT
pipe-0137	133	1	for	for	ADP
pipe-0137	133	2	those	those	PRON
pipe-0137	133	3	with	with	ADP
pipe-0137	133	4	a	a	DET
pipe-0137	133	5	bit	bit	NOUN
pipe-0137	133	6	more	more	ADJ
pipe-0137	133	7	money	money	NOUN
pipe-0137	133	8	,	,	PUNCT
pipe-0137	133	9	the	the	DET
pipe-0137	133	10	posters	poster	NOUN
pipe-0137	133	11	also	also	ADV
pipe-0137	133	12	like	like	VERB
pipe-0137	133	13	buckingham	buckingham	PROPN
pipe-0137	133	14	asset	asset	NOUN
pipe-0137	133	15	management	management	NOUN
pipe-0137	133	16	.	.	PUNCT
pipe-0137	134	1	if	if	SCONJ
pipe-0137	134	2	you	you	PRON
pipe-0137	134	3	do	do	AUX
pipe-0137	134	4	n’t	not	PART
pipe-0137	134	5	have	have	VERB
pipe-0137	134	6	enough	enough	ADJ
pipe-0137	134	7	money	money	NOUN
pipe-0137	134	8	to	to	PART
pipe-0137	134	9	meet	meet	VERB
pipe-0137	134	10	these	these	DET
pipe-0137	134	11	advisors	advisor	NOUN
pipe-0137	134	12	’	’	PART
pipe-0137	134	13	minimums	minimum	NOUN
pipe-0137	134	14	,	,	PUNCT
pipe-0137	134	15	or	or	CCONJ
pipe-0137	134	16	if	if	SCONJ
pipe-0137	134	17	you	you	PRON
pipe-0137	134	18	want	want	VERB
pipe-0137	134	19	to	to	PART
pipe-0137	134	20	work	work	VERB
pipe-0137	134	21	with	with	ADP
pipe-0137	134	22	someone	someone	PRON
pipe-0137	134	23	in	in	ADP
pipe-0137	134	24	person	person	NOUN
pipe-0137	134	25	,	,	PUNCT
pipe-0137	134	26	you	you	PRON
pipe-0137	134	27	have	have	VERB
pipe-0137	134	28	two	two	NUM
pipe-0137	134	29	reasonable	reasonable	ADJ
pipe-0137	134	30	options	option	NOUN
pipe-0137	134	31	.	.	PUNCT
pipe-0137	135	1	one	one	PRON
pipe-0137	135	2	would	would	AUX
pipe-0137	135	3	be	be	AUX
pipe-0137	135	4	to	to	PART
pipe-0137	135	5	hire	hire	VERB
pipe-0137	135	6	a	a	DET
pipe-0137	135	7	local	local	ADJ
pipe-0137	135	8	,	,	PUNCT
pipe-0137	135	9	fee	fee	NOUN
pipe-0137	135	10	-	-	PUNCT
pipe-0137	135	11	only	only	ADJ
pipe-0137	135	12	advisor	advisor	NOUN
pipe-0137	135	13	.	.	PUNCT
pipe-0137	136	1	rather	rather	ADV
pipe-0137	136	2	than	than	ADP
pipe-0137	136	3	getting	getting	AUX
pipe-0137	136	4	paid	pay	VERB
pipe-0137	136	5	a	a	DET
pipe-0137	136	6	percentage	percentage	NOUN
pipe-0137	136	7	of	of	ADP
pipe-0137	136	8	your	your	PRON
pipe-0137	136	9	assets	asset	NOUN
pipe-0137	136	10	,	,	PUNCT
pipe-0137	136	11	or	or	CCONJ
pipe-0137	136	12	taking	take	VERB
pipe-0137	136	13	a	a	DET
pipe-0137	136	14	commission	commission	NOUN
pipe-0137	136	15	each	each	DET
pipe-0137	136	16	time	time	NOUN
pipe-0137	136	17	you	you	PRON
pipe-0137	136	18	make	make	VERB
pipe-0137	136	19	a	a	DET
pipe-0137	136	20	trade	trade	NOUN
pipe-0137	136	21	,	,	PUNCT
pipe-0137	136	22	fee	fee	NOUN
pipe-0137	136	23	-	-	PUNCT
pipe-0137	136	24	only	only	ADV
pipe-0137	136	25	advisors	advisor	NOUN
pipe-0137	136	26	negotiate	negotiate	VERB
pipe-0137	136	27	their	their	PRON
pipe-0137	136	28	fee	fee	NOUN
pipe-0137	136	29	up	up	ADP
pipe-0137	136	30	front	front	NOUN
pipe-0137	136	31	.	.	PUNCT
pipe-0137	137	1	to	to	PART
pipe-0137	137	2	find	find	VERB
pipe-0137	137	3	a	a	DET
pipe-0137	137	4	fee	fee	NOUN
pipe-0137	137	5	-	-	PUNCT
pipe-0137	137	6	only	only	ADJ
pipe-0137	137	7	advisor	advisor	NOUN
pipe-0137	137	8	,	,	PUNCT
pipe-0137	137	9	go	go	VERB
pipe-0137	137	10	to	to	ADP
pipe-0137	137	11	the	the	DET
pipe-0137	137	12	website	website	NOUN
pipe-0137	137	13	for	for	ADP
pipe-0137	137	14	the	the	DET
pipe-0137	137	15	national	national	PROPN
pipe-0137	137	16	association	association	PROPN
pipe-0137	137	17	of	of	ADP
pipe-0137	137	18	personal	personal	ADJ
pipe-0137	137	19	financial	financial	ADJ
pipe-0137	137	20	advisors	advisor	NOUN
pipe-0137	137	21	and	and	CCONJ
pipe-0137	137	22	select	select	VERB
pipe-0137	137	23	“	"	PUNCT
pipe-0137	137	24	find	find	VERB
pipe-0137	137	25	an	an	DET
pipe-0137	137	26	advisor	advisor	NOUN
pipe-0137	137	27	.	.	PUNCT
pipe-0137	137	28	”	"	PUNCT
pipe-0137	138	1	the	the	DET
pipe-0137	138	2	alternative	alternative	NOUN
pipe-0137	138	3	would	would	AUX
pipe-0137	138	4	be	be	AUX
pipe-0137	138	5	to	to	PART
pipe-0137	138	6	work	work	VERB
pipe-0137	138	7	with	with	ADP
pipe-0137	138	8	a	a	DET
pipe-0137	138	9	more	more	ADV
pipe-0137	138	10	traditional	traditional	ADJ
pipe-0137	138	11	broker	broker	NOUN
pipe-0137	138	12	who	who	PRON
pipe-0137	138	13	can	can	AUX
pipe-0137	138	14	help	help	VERB
pipe-0137	138	15	guide	guide	VERB
pipe-0137	138	16	you	you	PRON
pipe-0137	138	17	into	into	ADP
pipe-0137	138	18	mutual	mutual	ADJ
pipe-0137	138	19	funds	fund	NOUN
pipe-0137	138	20	that	that	PRON
pipe-0137	138	21	make	make	VERB
pipe-0137	138	22	sense	sense	NOUN
pipe-0137	138	23	for	for	ADP
pipe-0137	138	24	you	you	PRON
pipe-0137	138	25	.	.	PUNCT
pipe-0137	139	1	these	these	DET
pipe-0137	139	2	brokers	broker	NOUN
pipe-0137	139	3	get	get	VERB
pipe-0137	139	4	a	a	DET
pipe-0137	139	5	percentage	percentage	NOUN
pipe-0137	139	6	of	of	ADP
pipe-0137	139	7	the	the	DET
pipe-0137	139	8	money	money	NOUN
pipe-0137	139	9	you	you	PRON
pipe-0137	139	10	invest	invest	VERB
pipe-0137	139	11	each	each	DET
pipe-0137	139	12	time	time	NOUN
pipe-0137	139	13	you	you	PRON
pipe-0137	139	14	buy	buy	VERB
pipe-0137	139	15	a	a	DET
pipe-0137	139	16	mutual	mutual	ADJ
pipe-0137	139	17	fund	fund	NOUN
pipe-0137	139	18	(	(	PUNCT
pipe-0137	139	19	or	or	CCONJ
pipe-0137	139	20	a	a	DET
pipe-0137	139	21	high	high	ADJ
pipe-0137	139	22	commission	commission	NOUN
pipe-0137	139	23	on	on	ADP
pipe-0137	139	24	your	your	PRON
pipe-0137	139	25	stock	stock	NOUN
pipe-0137	139	26	trades	trade	NOUN
pipe-0137	139	27	)	)	PUNCT
pipe-0137	139	28	.	.	PUNCT
pipe-0137	140	1	as	as	ADP
pipe-0137	140	2	a	a	DET
pipe-0137	140	3	rule	rule	NOUN
pipe-0137	140	4	,	,	PUNCT
pipe-0137	140	5	this	this	PRON
pipe-0137	140	6	is	be	AUX
pipe-0137	140	7	n’t	not	PART
pipe-0137	140	8	a	a	DET
pipe-0137	140	9	good	good	ADJ
pipe-0137	140	10	deal	deal	NOUN
pipe-0137	140	11	for	for	ADP
pipe-0137	140	12	many	many	ADJ
pipe-0137	140	13	investors	investor	NOUN
pipe-0137	140	14	because	because	SCONJ
pipe-0137	140	15	these	these	DET
pipe-0137	140	16	brokers	broker	NOUN
pipe-0137	140	17	only	only	ADV
pipe-0137	140	18	get	get	AUX
pipe-0137	140	19	paid	pay	VERB
pipe-0137	140	20	when	when	SCONJ
pipe-0137	140	21	you	you	PRON
pipe-0137	140	22	trade	trade	VERB
pipe-0137	140	23	,	,	PUNCT
pipe-0137	140	24	so	so	ADV
pipe-0137	140	25	they	they	PRON
pipe-0137	140	26	tend	tend	VERB
pipe-0137	140	27	to	to	PART
pipe-0137	140	28	find	find	VERB
pipe-0137	140	29	excuses	excuse	NOUN
pipe-0137	140	30	to	to	PART
pipe-0137	140	31	move	move	VERB
pipe-0137	140	32	your	your	PRON
pipe-0137	140	33	money	money	NOUN
pipe-0137	140	34	around	around	ADV
pipe-0137	140	35	.	.	PUNCT
pipe-0137	141	1	an	an	DET
pipe-0137	141	2	exception	exception	NOUN
pipe-0137	141	3	to	to	ADP
pipe-0137	141	4	this	this	DET
pipe-0137	141	5	rule	rule	NOUN
pipe-0137	141	6	is	be	AUX
pipe-0137	141	7	edward	edward	PROPN
pipe-0137	141	8	jones	jones	PROPN
pipe-0137	141	9	,	,	PUNCT
pipe-0137	141	10	whose	whose	DET
pipe-0137	141	11	brokers	broker	NOUN
pipe-0137	141	12	have	have	VERB
pipe-0137	141	13	a	a	DET
pipe-0137	141	14	good	good	ADJ
pipe-0137	141	15	record	record	NOUN
pipe-0137	141	16	of	of	ADP
pipe-0137	141	17	encouraging	encourage	VERB
pipe-0137	141	18	investors	investor	NOUN
pipe-0137	141	19	to	to	PART
pipe-0137	141	20	buy	buy	VERB
pipe-0137	141	21	solid	solid	ADJ
pipe-0137	141	22	mutual	mutual	ADJ
pipe-0137	141	23	funds	fund	NOUN
pipe-0137	141	24	and	and	CCONJ
pipe-0137	141	25	hold	hold	VERB
pipe-0137	141	26	them	they	PRON
pipe-0137	141	27	long	long	ADJ
pipe-0137	141	28	term	term	NOUN
pipe-0137	141	29	.	.	PUNCT
pipe-0137	142	1	there	there	PRON
pipe-0137	142	2	’s	’	VERB
pipe-0137	142	3	one	one	NUM
pipe-0137	142	4	other	other	ADJ
pipe-0137	142	5	avenue	avenue	NOUN
pipe-0137	142	6	for	for	ADP
pipe-0137	142	7	hiring	hire	VERB
pipe-0137	142	8	an	an	DET
pipe-0137	142	9	advisor	advisor	NOUN
pipe-0137	142	10	that	that	PRON
pipe-0137	142	11	may	may	AUX
pipe-0137	142	12	make	make	VERB
pipe-0137	142	13	sense	sense	NOUN
pipe-0137	142	14	.	.	PUNCT
pipe-0137	143	1	the	the	DET
pipe-0137	143	2	alternative	alternative	NOUN
pipe-0137	143	3	to	to	ADP
pipe-0137	143	4	indexing	indexing	NOUN
pipe-0137	143	5	—	—	PUNCT
pipe-0137	143	6	investing	invest	VERB
pipe-0137	143	7	in	in	ADP
pipe-0137	143	8	a	a	DET
pipe-0137	143	9	mutual	mutual	ADJ
pipe-0137	143	10	fund	fund	NOUN
pipe-0137	143	11	that	that	PRON
pipe-0137	143	12	mechanically	mechanically	ADV
pipe-0137	143	13	buys	buy	VERB
pipe-0137	143	14	the	the	DET
pipe-0137	143	15	stocks	stock	NOUN
pipe-0137	143	16	or	or	CCONJ
pipe-0137	143	17	bond	bond	NOUN
pipe-0137	143	18	or	or	CCONJ
pipe-0137	143	19	other	other	ADJ
pipe-0137	143	20	assets	asset	NOUN
pipe-0137	143	21	that	that	PRON
pipe-0137	143	22	make	make	VERB
pipe-0137	143	23	up	up	ADP
pipe-0137	143	24	its	its	PRON
pipe-0137	143	25	index	index	NOUN
pipe-0137	143	26	—	—	PUNCT
pipe-0137	143	27	you	you	PRON
pipe-0137	143	28	can	can	AUX
pipe-0137	143	29	invest	invest	VERB
pipe-0137	143	30	in	in	ADP
pipe-0137	143	31	a	a	DET
pipe-0137	143	32	mutual	mutual	ADJ
pipe-0137	143	33	fund	fund	NOUN
pipe-0137	143	34	in	in	ADP
pipe-0137	143	35	which	which	PRON
pipe-0137	143	36	managers	manager	NOUN
pipe-0137	143	37	use	use	VERB
pipe-0137	143	38	their	their	PRON
pipe-0137	143	39	judgment	judgment	NOUN
pipe-0137	143	40	to	to	PART
pipe-0137	143	41	decide	decide	VERB
pipe-0137	143	42	what	what	PRON
pipe-0137	143	43	to	to	PART
pipe-0137	143	44	buy	buy	VERB
pipe-0137	143	45	.	.	PUNCT
pipe-0137	144	1	there	there	PRON
pipe-0137	144	2	are	be	VERB
pipe-0137	144	3	thousands	thousand	NOUN
pipe-0137	144	4	of	of	ADP
pipe-0137	144	5	managed	manage	VERB
pipe-0137	144	6	mutual	mutual	ADJ
pipe-0137	144	7	funds	fund	NOUN
pipe-0137	144	8	to	to	PART
pipe-0137	144	9	choose	choose	VERB
pipe-0137	144	10	from	from	ADP
pipe-0137	144	11	—	—	PUNCT
pipe-0137	144	12	even	even	ADV
pipe-0137	144	13	vanguard	vanguard	PROPN
pipe-0137	144	14	offers	offer	VERB
pipe-0137	144	15	them	they	PRON
pipe-0137	144	16	,	,	PUNCT
pipe-0137	144	17	and	and	CCONJ
pipe-0137	144	18	most	most	ADV
pipe-0137	144	19	tiaa	tiaa	ADJ
pipe-0137	144	20	-	-	PUNCT
pipe-0137	144	21	cref	cref	NOUN
pipe-0137	144	22	funds	fund	NOUN
pipe-0137	144	23	are	be	AUX
pipe-0137	144	24	managed	manage	VERB
pipe-0137	144	25	as	as	ADV
pipe-0137	144	26	well	well	ADV
pipe-0137	144	27	.	.	PUNCT
pipe-0137	145	1	the	the	DET
pipe-0137	145	2	key	key	NOUN
pipe-0137	145	3	,	,	PUNCT
pipe-0137	145	4	as	as	ADP
pipe-0137	145	5	always	always	ADV
pipe-0137	145	6	,	,	PUNCT
pipe-0137	145	7	is	be	AUX
pipe-0137	145	8	to	to	PART
pipe-0137	145	9	keep	keep	VERB
pipe-0137	145	10	costs	cost	NOUN
pipe-0137	145	11	down	down	ADP
pipe-0137	145	12	and	and	CCONJ
pipe-0137	145	13	to	to	PART
pipe-0137	145	14	limit	limit	VERB
pipe-0137	145	15	risk	risk	NOUN
pipe-0137	145	16	as	as	ADV
pipe-0137	145	17	much	much	ADV
pipe-0137	145	18	as	as	ADP
pipe-0137	145	19	possible	possible	ADJ
pipe-0137	145	20	.	.	PUNCT
pipe-0137	146	1	for	for	ADP
pipe-0137	146	2	that	that	DET
pipe-0137	146	3	reason	reason	NOUN
pipe-0137	146	4	,	,	PUNCT
pipe-0137	146	5	if	if	SCONJ
pipe-0137	146	6	you	you	PRON
pipe-0137	146	7	are	be	AUX
pipe-0137	146	8	n’t	not	PART
pipe-0137	146	9	going	go	VERB
pipe-0137	146	10	to	to	PART
pipe-0137	146	11	go	go	VERB
pipe-0137	146	12	with	with	ADP
pipe-0137	146	13	an	an	DET
pipe-0137	146	14	index	index	NOUN
pipe-0137	146	15	fund	fund	NOUN
pipe-0137	146	16	,	,	PUNCT
pipe-0137	146	17	choose	choose	VERB
pipe-0137	146	18	a	a	DET
pipe-0137	146	19	fund	fund	NOUN
pipe-0137	146	20	that	that	PRON
pipe-0137	146	21	has	have	AUX
pipe-0137	146	22	had	have	VERB
pipe-0137	146	23	the	the	DET
pipe-0137	146	24	same	same	ADJ
pipe-0137	146	25	manager	manager	NOUN
pipe-0137	146	26	(	(	PUNCT
pipe-0137	146	27	or	or	CCONJ
pipe-0137	146	28	management	management	NOUN
pipe-0137	146	29	team	team	NOUN
pipe-0137	146	30	)	)	PUNCT
pipe-0137	146	31	for	for	ADP
pipe-0137	146	32	a	a	DET
pipe-0137	146	33	decade	decade	NOUN
pipe-0137	146	34	or	or	CCONJ
pipe-0137	146	35	more	more	ADJ
pipe-0137	146	36	,	,	PUNCT
pipe-0137	146	37	ideally	ideally	ADV
pipe-0137	146	38	a	a	DET
pipe-0137	146	39	manager	manager	NOUN
pipe-0137	146	40	who	who	PRON
pipe-0137	146	41	owns	own	VERB
pipe-0137	146	42	the	the	DET
pipe-0137	146	43	company	company	NOUN
pipe-0137	146	44	and	and	CCONJ
pipe-0137	146	45	whose	whose	DET
pipe-0137	146	46	record	record	NOUN
pipe-0137	146	47	is	be	AUX
pipe-0137	146	48	considered	consider	VERB
pipe-0137	146	49	legendary	legendary	ADJ
pipe-0137	146	50	.	.	PUNCT
pipe-0137	147	1	martin	martin	PROPN
pipe-0137	147	2	whitman	whitman	PROPN
pipe-0137	147	3	,	,	PUNCT
pipe-0137	147	4	who	who	PRON
pipe-0137	147	5	founded	found	VERB
pipe-0137	147	6	and	and	CCONJ
pipe-0137	147	7	manages	manage	VERB
pipe-0137	147	8	the	the	DET
pipe-0137	147	9	third	third	ADJ
pipe-0137	147	10	avenue	avenue	PROPN
pipe-0137	147	11	value	value	NOUN
pipe-0137	147	12	fund	fund	PROPN
pipe-0137	147	13	,	,	PUNCT
pipe-0137	147	14	fits	fit	VERB
pipe-0137	147	15	that	that	DET
pipe-0137	147	16	description	description	NOUN
pipe-0137	147	17	,	,	PUNCT
pipe-0137	147	18	as	as	SCONJ
pipe-0137	147	19	do	do	VERB
pipe-0137	147	20	the	the	DET
pipe-0137	147	21	partners	partner	NOUN
pipe-0137	147	22	of	of	ADP
pipe-0137	147	23	tweedy	tweedy	NOUN
pipe-0137	147	24	,	,	PUNCT
pipe-0137	147	25	browne	browne	NOUN
pipe-0137	147	26	,	,	PUNCT
pipe-0137	147	27	who	who	PRON
pipe-0137	147	28	manage	manage	VERB
pipe-0137	147	29	three	three	NUM
pipe-0137	147	30	mutual	mutual	ADJ
pipe-0137	147	31	funds	fund	NOUN
pipe-0137	147	32	.	.	PUNCT
pipe-0137	148	1	if	if	SCONJ
pipe-0137	148	2	you	you	PRON
pipe-0137	148	3	’re	’re	AUX
pipe-0137	148	4	thinking	think	VERB
pipe-0137	148	5	about	about	ADP
pipe-0137	148	6	investing	invest	VERB
pipe-0137	148	7	with	with	ADP
pipe-0137	148	8	third	third	PROPN
pipe-0137	148	9	avenue	avenue	PROPN
pipe-0137	148	10	,	,	PUNCT
pipe-0137	148	11	read	read	VERB
pipe-0137	148	12	whitman	whitman	PROPN
pipe-0137	148	13	’s	’s	PART
pipe-0137	148	14	books	book	NOUN
pipe-0137	148	15	and	and	CCONJ
pipe-0137	148	16	his	his	PRON
pipe-0137	148	17	last	last	ADJ
pipe-0137	148	18	several	several	ADJ
pipe-0137	148	19	shareholder	shareholder	NOUN
pipe-0137	148	20	letters	letter	NOUN
pipe-0137	148	21	;	;	PUNCT
pipe-0137	148	22	if	if	SCONJ
pipe-0137	148	23	you	you	PRON
pipe-0137	148	24	’re	’re	AUX
pipe-0137	148	25	thinking	think	VERB
pipe-0137	148	26	about	about	ADP
pipe-0137	148	27	tweedy	tweedy	NOUN
pipe-0137	148	28	,	,	PUNCT
pipe-0137	148	29	browne	browne	VERB
pipe-0137	148	30	,	,	PUNCT
pipe-0137	148	31	read	read	VERB
pipe-0137	148	32	the	the	DET
pipe-0137	148	33	material	material	NOUN
pipe-0137	148	34	in	in	ADP
pipe-0137	148	35	the	the	DET
pipe-0137	148	36	research	research	NOUN
pipe-0137	148	37	and	and	CCONJ
pipe-0137	148	38	reports	report	NOUN
pipe-0137	148	39	area	area	NOUN
pipe-0137	148	40	of	of	ADP
pipe-0137	148	41	their	their	PRON
pipe-0137	148	42	website.10	website.10	NOUN
pipe-0137	148	43	if	if	SCONJ
pipe-0137	148	44	you	you	PRON
pipe-0137	148	45	’re	’re	VERB
pipe-0137	148	46	unconvinced	unconvince	VERB
pipe-0137	148	47	,	,	PUNCT
pipe-0137	148	48	confused	confuse	VERB
pipe-0137	148	49	,	,	PUNCT
pipe-0137	148	50	or	or	CCONJ
pipe-0137	148	51	bored	bore	VERB
pipe-0137	148	52	to	to	ADP
pipe-0137	148	53	tears	tear	NOUN
pipe-0137	148	54	,	,	PUNCT
pipe-0137	148	55	stick	stick	VERB
pipe-0137	148	56	to	to	ADP
pipe-0137	148	57	index	index	NOUN
pipe-0137	148	58	funds	fund	NOUN
pipe-0137	148	59	.	.	PUNCT
pipe-0137	149	1	socially	socially	ADV
pipe-0137	149	2	responsible	responsible	ADJ
pipe-0137	149	3	investing	investing	NOUN
pipe-0137	149	4	i	i	PRON
pipe-0137	149	5	’ve	’ve	AUX
pipe-0137	149	6	been	be	AUX
pipe-0137	149	7	a	a	DET
pipe-0137	149	8	vegetarian	vegetarian	NOUN
pipe-0137	149	9	for	for	ADP
pipe-0137	149	10	twenty	twenty	NUM
pipe-0137	149	11	years	year	NOUN
pipe-0137	149	12	,	,	PUNCT
pipe-0137	149	13	so	so	SCONJ
pipe-0137	149	14	it	it	PRON
pipe-0137	149	15	’s	’	VERB
pipe-0137	149	16	hard	hard	ADJ
pipe-0137	149	17	for	for	SCONJ
pipe-0137	149	18	me	i	PRON
pipe-0137	149	19	to	to	PART
pipe-0137	149	20	get	get	VERB
pipe-0137	149	21	excited	excited	ADJ
pipe-0137	149	22	when	when	SCONJ
pipe-0137	149	23	mcdonald	mcdonald	PROPN
pipe-0137	149	24	’s	’s	PROPN
pipe-0137	149	25	is	be	AUX
pipe-0137	149	26	helping	help	VERB
pipe-0137	149	27	to	to	PART
pipe-0137	149	28	prop	prop	VERB
pipe-0137	149	29	up	up	ADP
pipe-0137	149	30	the	the	DET
pipe-0137	149	31	indexes	index	NOUN
pipe-0137	149	32	.	.	PUNCT
pipe-0137	150	1	i	i	PRON
pipe-0137	150	2	have	have	VERB
pipe-0137	150	3	a	a	DET
pipe-0137	150	4	good	good	ADJ
pipe-0137	150	5	friend	friend	NOUN
pipe-0137	150	6	who	who	PRON
pipe-0137	150	7	’s	’	VERB
pipe-0137	150	8	a	a	DET
pipe-0137	150	9	big	big	ADJ
pipe-0137	150	10	linux	linux	NOUN
pipe-0137	150	11	advocate	advocate	NOUN
pipe-0137	150	12	;	;	PUNCT
pipe-0137	150	13	he	he	PRON
pipe-0137	150	14	’d	’d	VERB
pipe-0137	150	15	love	love	VERB
pipe-0137	150	16	to	to	PART
pipe-0137	150	17	see	see	VERB
pipe-0137	150	18	microsoft	microsoft	PROPN
pipe-0137	150	19	go	go	VERB
pipe-0137	150	20	out	out	ADP
pipe-0137	150	21	of	of	ADP
pipe-0137	150	22	business	business	NOUN
pipe-0137	150	23	.	.	PUNCT
pipe-0137	151	1	both	both	DET
pipe-0137	151	2	mcdonald	mcdonald	PROPN
pipe-0137	151	3	’s	’s	PROPN
pipe-0137	151	4	and	and	CCONJ
pipe-0137	151	5	microsoft	microsoft	PROPN
pipe-0137	151	6	are	be	AUX
pipe-0137	151	7	members	member	NOUN
pipe-0137	151	8	of	of	ADP
pipe-0137	151	9	the	the	DET
pipe-0137	151	10	dow	dow	NOUN
pipe-0137	151	11	,	,	PUNCT
pipe-0137	151	12	the	the	DET
pipe-0137	151	13	s&p	s&p	PROPN
pipe-0137	151	14	500	500	NUM
pipe-0137	151	15	,	,	PUNCT
pipe-0137	151	16	and	and	CCONJ
pipe-0137	151	17	most	most	ADJ
pipe-0137	151	18	other	other	ADJ
pipe-0137	151	19	major	major	ADJ
pipe-0137	151	20	indexes	index	NOUN
pipe-0137	151	21	.	.	PUNCT
pipe-0137	152	1	what	what	PRON
pipe-0137	152	2	to	to	PART
pipe-0137	152	3	do	do	VERB
pipe-0137	152	4	?	?	PUNCT
pipe-0137	153	1	a	a	DET
pipe-0137	153	2	popular	popular	ADJ
pipe-0137	153	3	sub	sub	ADJ
pipe-0137	153	4	-	-	ADJ
pipe-0137	153	5	industry	industry	NOUN
pipe-0137	153	6	known	know	VERB
pipe-0137	153	7	as	as	ADP
pipe-0137	153	8	socially	socially	ADV
pipe-0137	153	9	responsible	responsible	ADJ
pipe-0137	153	10	investing	investing	NOUN
pipe-0137	153	11	attempts	attempt	NOUN
pipe-0137	153	12	to	to	PART
pipe-0137	153	13	fill	fill	VERB
pipe-0137	153	14	this	this	DET
pipe-0137	153	15	breach	breach	NOUN
pipe-0137	153	16	.	.	PUNCT
pipe-0137	154	1	you	you	PRON
pipe-0137	154	2	can	can	AUX
pipe-0137	154	3	read	read	VERB
pipe-0137	154	4	up	up	ADP
pipe-0137	154	5	on	on	ADP
pipe-0137	154	6	social	social	ADJ
pipe-0137	154	7	investing	investing	NOUN
pipe-0137	154	8	at	at	ADP
pipe-0137	154	9	socialfunds.com	socialfunds.com	X
pipe-0137	154	10	and	and	CCONJ
pipe-0137	154	11	the	the	DET
pipe-0137	154	12	social	social	ADJ
pipe-0137	154	13	investment	investment	NOUN
pipe-0137	154	14	forum	forum	NOUN
pipe-0137	154	15	.	.	PUNCT
pipe-0137	155	1	you	you	PRON
pipe-0137	155	2	might	might	AUX
pipe-0137	155	3	also	also	ADV
pipe-0137	155	4	want	want	VERB
pipe-0137	155	5	to	to	PART
pipe-0137	155	6	check	check	VERB
pipe-0137	155	7	out	out	ADP
pipe-0137	155	8	the	the	DET
pipe-0137	155	9	largest	large	ADJ
pipe-0137	155	10	players	player	NOUN
pipe-0137	155	11	in	in	ADP
pipe-0137	155	12	the	the	DET
pipe-0137	155	13	field	field	NOUN
pipe-0137	155	14	,	,	PUNCT
pipe-0137	155	15	calvert	calvert	NOUN
pipe-0137	155	16	investments	investment	NOUN
pipe-0137	155	17	and	and	CCONJ
pipe-0137	155	18	domini	domini	PROPN
pipe-0137	155	19	social	social	ADJ
pipe-0137	155	20	investments	investment	NOUN
pipe-0137	155	21	.	.	PUNCT
pipe-0137	156	1	for	for	ADP
pipe-0137	156	2	those	those	DET
pipe-0137	156	3	people	people	NOUN
pipe-0137	156	4	whose	whose	DET
pipe-0137	156	5	employers	employer	NOUN
pipe-0137	156	6	offer	offer	VERB
pipe-0137	156	7	tiaa	tiaa	NOUN
pipe-0137	156	8	-	-	PUNCT
pipe-0137	156	9	cref	cref	NOUN
pipe-0137	156	10	401(k	401(k	PROPN
pipe-0137	156	11	)	)	PUNCT
pipe-0137	156	12	,	,	PUNCT
pipe-0137	156	13	403(b	403(b	PROPN
pipe-0137	156	14	)	)	PUNCT
pipe-0137	156	15	,	,	PUNCT
pipe-0137	156	16	or	or	CCONJ
pipe-0137	156	17	457	457	NUM
pipe-0137	156	18	plans	plan	NOUN
pipe-0137	156	19	,	,	PUNCT
pipe-0137	156	20	there	there	PRON
pipe-0137	156	21	’s	’	VERB
pipe-0137	156	22	the	the	DET
pipe-0137	156	23	cref	cref	ADJ
pipe-0137	156	24	social	social	ADJ
pipe-0137	156	25	choice	choice	NOUN
pipe-0137	156	26	account	account	NOUN
pipe-0137	156	27	,	,	PUNCT
pipe-0137	156	28	which	which	PRON
pipe-0137	156	29	invests	invest	VERB
pipe-0137	156	30	in	in	ADP
pipe-0137	156	31	a	a	DET
pipe-0137	156	32	mix	mix	NOUN
pipe-0137	156	33	of	of	ADP
pipe-0137	156	34	stocks	stock	NOUN
pipe-0137	156	35	and	and	CCONJ
pipe-0137	156	36	bonds	bond	NOUN
pipe-0137	156	37	;	;	PUNCT
pipe-0137	156	38	for	for	ADP
pipe-0137	156	39	those	those	PRON
pipe-0137	156	40	who	who	PRON
pipe-0137	156	41	invest	invest	VERB
pipe-0137	156	42	in	in	ADP
pipe-0137	156	43	tiaa	tiaa	NOUN
pipe-0137	156	44	-	-	PUNCT
pipe-0137	156	45	cref	cref	NOUN
pipe-0137	156	46	directly	directly	ADV
pipe-0137	156	47	through	through	ADP
pipe-0137	156	48	mutual	mutual	ADJ
pipe-0137	156	49	funds	fund	NOUN
pipe-0137	156	50	(	(	PUNCT
pipe-0137	156	51	or	or	CCONJ
pipe-0137	156	52	through	through	ADP
pipe-0137	156	53	a	a	DET
pipe-0137	156	54	keogh	keogh	NOUN
pipe-0137	156	55	or	or	CCONJ
pipe-0137	156	56	sep	sep	PROPN
pipe-0137	156	57	-	-	PUNCT
pipe-0137	156	58	ira	ira	PROPN
pipe-0137	156	59	)	)	PUNCT
pipe-0137	156	60	,	,	PUNCT
pipe-0137	156	61	there	there	PRON
pipe-0137	156	62	’s	’s	PART
pipe-0137	156	63	social	social	ADJ
pipe-0137	156	64	choice	choice	NOUN
pipe-0137	156	65	equity	equity	NOUN
pipe-0137	156	66	,	,	PUNCT
pipe-0137	156	67	which	which	PRON
pipe-0137	156	68	invests	invest	VERB
pipe-0137	156	69	only	only	ADV
pipe-0137	156	70	in	in	ADP
pipe-0137	156	71	stocks	stock	NOUN
pipe-0137	156	72	.	.	PUNCT
pipe-0137	157	1	vanguard	vanguard	PROPN
pipe-0137	157	2	offers	offer	VERB
pipe-0137	157	3	a	a	DET
pipe-0137	157	4	social	social	ADJ
pipe-0137	157	5	index	index	NOUN
pipe-0137	157	6	fund	fund	NOUN
pipe-0137	157	7	that	that	PRON
pipe-0137	157	8	invests	invest	VERB
pipe-0137	157	9	in	in	ADP
pipe-0137	157	10	a	a	DET
pipe-0137	157	11	modified	modify	VERB
pipe-0137	157	12	version	version	NOUN
pipe-0137	157	13	of	of	ADP
pipe-0137	157	14	the	the	DET
pipe-0137	157	15	ftse4good	ftse4good	PROPN
pipe-0137	157	16	index	index	PROPN
pipe-0137	157	17	series	series	PROPN
pipe-0137	157	18	.	.	PUNCT
pipe-0137	158	1	one	one	NUM
pipe-0137	158	2	of	of	ADP
pipe-0137	158	3	the	the	DET
pipe-0137	158	4	main	main	ADJ
pipe-0137	158	5	problems	problem	NOUN
pipe-0137	158	6	with	with	ADP
pipe-0137	158	7	social	social	ADJ
pipe-0137	158	8	investing	investing	NOUN
pipe-0137	158	9	is	be	AUX
pipe-0137	158	10	revealed	reveal	VERB
pipe-0137	158	11	by	by	ADP
pipe-0137	158	12	mark	mark	PROPN
pipe-0137	158	13	pilgrim	pilgrim	PROPN
pipe-0137	158	14	’s	’s	PART
pipe-0137	158	15	joke	joke	NOUN
pipe-0137	158	16	about	about	ADP
pipe-0137	158	17	unicode	unicode	ADJ
pipe-0137	158	18	:	:	PUNCT
pipe-0137	158	19	i	i	PRON
pipe-0137	158	20	was	be	AUX
pipe-0137	158	21	walking	walk	VERB
pipe-0137	158	22	across	across	ADP
pipe-0137	158	23	a	a	DET
pipe-0137	158	24	bridge	bridge	NOUN
pipe-0137	158	25	one	one	NUM
pipe-0137	158	26	day	day	NOUN
pipe-0137	158	27	,	,	PUNCT
pipe-0137	158	28	and	and	CCONJ
pipe-0137	158	29	i	i	PRON
pipe-0137	158	30	saw	see	VERB
pipe-0137	158	31	a	a	DET
pipe-0137	158	32	man	man	NOUN
pipe-0137	158	33	standing	stand	VERB
pipe-0137	158	34	on	on	ADP
pipe-0137	158	35	the	the	DET
pipe-0137	158	36	edge	edge	NOUN
pipe-0137	158	37	,	,	PUNCT
pipe-0137	158	38	about	about	ADJ
pipe-0137	158	39	to	to	PART
pipe-0137	158	40	jump	jump	VERB
pipe-0137	158	41	off	off	ADV
pipe-0137	158	42	.	.	PUNCT
pipe-0137	159	1	so	so	ADV
pipe-0137	159	2	i	i	PRON
pipe-0137	159	3	ran	run	VERB
pipe-0137	159	4	over	over	ADP
pipe-0137	159	5	and	and	CCONJ
pipe-0137	159	6	said	say	VERB
pipe-0137	159	7	,	,	PUNCT
pipe-0137	159	8	“	"	PUNCT
pipe-0137	159	9	stop	stop	VERB
pipe-0137	159	10	!	!	PUNCT
pipe-0137	160	1	do	do	AUX
pipe-0137	160	2	n’t	not	PART
pipe-0137	160	3	do	do	VERB
pipe-0137	160	4	it	it	PRON
pipe-0137	160	5	!	!	PUNCT
pipe-0137	160	6	”	"	PUNCT
pipe-0137	161	1	“	"	PUNCT
pipe-0137	161	2	i	i	PRON
pipe-0137	161	3	ca	can	AUX
pipe-0137	161	4	n’t	not	PART
pipe-0137	161	5	help	help	VERB
pipe-0137	161	6	it	it	PRON
pipe-0137	161	7	,	,	PUNCT
pipe-0137	161	8	”	"	PUNCT
pipe-0137	161	9	he	he	PRON
pipe-0137	161	10	cried	cry	VERB
pipe-0137	161	11	.	.	PUNCT
pipe-0137	162	1	“	"	PUNCT
pipe-0137	162	2	i	i	PRON
pipe-0137	162	3	’ve	’ve	AUX
pipe-0137	162	4	lost	lose	VERB
pipe-0137	162	5	my	my	PRON
pipe-0137	162	6	will	will	NOUN
pipe-0137	162	7	to	to	PART
pipe-0137	162	8	live	live	VERB
pipe-0137	162	9	.	.	PUNCT
pipe-0137	162	10	”	"	PUNCT
pipe-0137	163	1	“	"	PUNCT
pipe-0137	163	2	what	what	PRON
pipe-0137	163	3	do	do	AUX
pipe-0137	163	4	you	you	PRON
pipe-0137	163	5	do	do	VERB
pipe-0137	163	6	for	for	ADP
pipe-0137	163	7	a	a	DET
pipe-0137	163	8	living	living	NOUN
pipe-0137	163	9	?	?	PUNCT
pipe-0137	163	10	”	"	PUNCT
pipe-0137	164	1	i	i	PRON
pipe-0137	164	2	asked	ask	VERB
pipe-0137	164	3	.	.	PUNCT
pipe-0137	165	1	he	he	PRON
pipe-0137	165	2	said	say	VERB
pipe-0137	165	3	,	,	PUNCT
pipe-0137	165	4	“	"	PUNCT
pipe-0137	165	5	i	i	PRON
pipe-0137	165	6	create	create	VERB
pipe-0137	165	7	web	web	NOUN
pipe-0137	165	8	services	service	NOUN
pipe-0137	165	9	specifications	specification	NOUN
pipe-0137	165	10	.	.	PUNCT
pipe-0137	165	11	”	"	PUNCT
pipe-0137	166	1	“	"	PUNCT
pipe-0137	166	2	me	i	PRON
pipe-0137	166	3	too	too	ADV
pipe-0137	166	4	!	!	PUNCT
pipe-0137	166	5	”	"	PUNCT
pipe-0137	167	1	i	i	PRON
pipe-0137	167	2	said	say	VERB
pipe-0137	167	3	.	.	PUNCT
pipe-0137	168	1	“	"	PUNCT
pipe-0137	168	2	do	do	AUX
pipe-0137	168	3	you	you	PRON
pipe-0137	168	4	use	use	VERB
pipe-0137	168	5	rest	rest	NOUN
pipe-0137	168	6	web	web	NOUN
pipe-0137	168	7	services	service	NOUN
pipe-0137	168	8	or	or	CCONJ
pipe-0137	168	9	soap	soap	NOUN
pipe-0137	168	10	web	web	NOUN
pipe-0137	168	11	services	service	NOUN
pipe-0137	168	12	?	?	PUNCT
pipe-0137	168	13	”	"	PUNCT
pipe-0137	169	1	he	he	PRON
pipe-0137	169	2	said	say	VERB
pipe-0137	169	3	,	,	PUNCT
pipe-0137	169	4	“	"	PUNCT
pipe-0137	169	5	rest	rest	NOUN
pipe-0137	169	6	web	web	NOUN
pipe-0137	169	7	services	service	NOUN
pipe-0137	169	8	.	.	PUNCT
pipe-0137	169	9	”	"	PUNCT
pipe-0137	170	1	“	"	PUNCT
pipe-0137	170	2	me	i	PRON
pipe-0137	170	3	too	too	ADV
pipe-0137	170	4	!	!	PUNCT
pipe-0137	170	5	”	"	PUNCT
pipe-0137	171	1	i	i	PRON
pipe-0137	171	2	said	say	VERB
pipe-0137	171	3	.	.	PUNCT
pipe-0137	172	1	“	"	PUNCT
pipe-0137	172	2	do	do	AUX
pipe-0137	172	3	you	you	PRON
pipe-0137	172	4	use	use	VERB
pipe-0137	172	5	text	text	NOUN
pipe-0137	172	6	-	-	PUNCT
pipe-0137	172	7	based	base	VERB
pipe-0137	172	8	xml	xml	NOUN
pipe-0137	172	9	or	or	CCONJ
pipe-0137	172	10	binary	binary	ADJ
pipe-0137	172	11	xml	xml	NOUN
pipe-0137	172	12	?	?	PUNCT
pipe-0137	172	13	”	"	PUNCT
pipe-0137	173	1	he	he	PRON
pipe-0137	173	2	said	say	VERB
pipe-0137	173	3	,	,	PUNCT
pipe-0137	173	4	“	"	PUNCT
pipe-0137	173	5	text	text	NOUN
pipe-0137	173	6	-	-	PUNCT
pipe-0137	173	7	based	base	VERB
pipe-0137	173	8	xml	xml	NOUN
pipe-0137	173	9	.	.	PUNCT
pipe-0137	173	10	”	"	PUNCT
pipe-0137	174	1	“	"	PUNCT
pipe-0137	174	2	me	i	PRON
pipe-0137	174	3	too	too	ADV
pipe-0137	174	4	!	!	PUNCT
pipe-0137	174	5	”	"	PUNCT
pipe-0137	175	1	i	i	PRON
pipe-0137	175	2	said	say	VERB
pipe-0137	175	3	.	.	PUNCT
pipe-0137	176	1	“	"	PUNCT
pipe-0137	176	2	do	do	AUX
pipe-0137	176	3	you	you	PRON
pipe-0137	176	4	use	use	VERB
pipe-0137	176	5	xml	xml	VERB
pipe-0137	176	6	1.0	1.0	NUM
pipe-0137	176	7	or	or	CCONJ
pipe-0137	176	8	xml	xml	VERB
pipe-0137	176	9	1.1	1.1	NUM
pipe-0137	176	10	?	?	PUNCT
pipe-0137	176	11	”	"	PUNCT
pipe-0137	177	1	he	he	PRON
pipe-0137	177	2	said	say	VERB
pipe-0137	177	3	,	,	PUNCT
pipe-0137	177	4	“	"	PUNCT
pipe-0137	177	5	xml	xml	VERB
pipe-0137	177	6	1.0	1.0	NUM
pipe-0137	177	7	.	.	PUNCT
pipe-0137	177	8	”	"	PUNCT
pipe-0137	178	1	“	"	PUNCT
pipe-0137	178	2	me	i	PRON
pipe-0137	178	3	too	too	ADV
pipe-0137	178	4	!	!	PUNCT
pipe-0137	178	5	”	"	PUNCT
pipe-0137	179	1	i	i	PRON
pipe-0137	179	2	said	say	VERB
pipe-0137	179	3	.	.	PUNCT
pipe-0137	180	1	“	"	PUNCT
pipe-0137	180	2	do	do	AUX
pipe-0137	180	3	you	you	PRON
pipe-0137	180	4	use	use	VERB
pipe-0137	180	5	utf-8	utf-8	ADP
pipe-0137	180	6	or	or	CCONJ
pipe-0137	180	7	utf-16	utf-16	ADJ
pipe-0137	180	8	?	?	PUNCT
pipe-0137	180	9	”	"	PUNCT
pipe-0137	180	10	he	he	PRON
pipe-0137	180	11	said	say	VERB
pipe-0137	180	12	,	,	PUNCT
pipe-0137	180	13	“	"	PUNCT
pipe-0137	180	14	utf-8	utf-8	X
pipe-0137	180	15	.	.	PUNCT
pipe-0137	180	16	”	"	PUNCT
pipe-0137	181	1	“	"	PUNCT
pipe-0137	181	2	me	i	PRON
pipe-0137	181	3	too	too	ADV
pipe-0137	181	4	!	!	PUNCT
pipe-0137	181	5	”	"	PUNCT
pipe-0137	182	1	i	i	PRON
pipe-0137	182	2	said	say	VERB
pipe-0137	182	3	.	.	PUNCT
pipe-0137	183	1	“	"	PUNCT
pipe-0137	183	2	do	do	AUX
pipe-0137	183	3	you	you	PRON
pipe-0137	183	4	use	use	VERB
pipe-0137	183	5	unicode	unicode	ADJ
pipe-0137	183	6	normalization	normalization	NOUN
pipe-0137	183	7	form	form	NOUN
pipe-0137	183	8	c	c	NOUN
pipe-0137	183	9	or	or	CCONJ
pipe-0137	183	10	unicode	unicode	ADJ
pipe-0137	183	11	normalization	normalization	NOUN
pipe-0137	183	12	form	form	NOUN
pipe-0137	183	13	kc	kc	VERB
pipe-0137	183	14	?	?	PUNCT
pipe-0137	183	15	”	"	PUNCT
pipe-0137	184	1	he	he	PRON
pipe-0137	184	2	said	say	VERB
pipe-0137	184	3	,	,	PUNCT
pipe-0137	184	4	“	"	PUNCT
pipe-0137	184	5	unicode	unicode	ADJ
pipe-0137	184	6	normalization	normalization	NOUN
pipe-0137	184	7	form	form	NOUN
pipe-0137	184	8	kc	kc	VERB
pipe-0137	184	9	.	.	PUNCT
pipe-0137	184	10	”	"	PUNCT
pipe-0137	185	1	“	"	PUNCT
pipe-0137	185	2	die	die	PROPN
pipe-0137	185	3	,	,	PUNCT
pipe-0137	185	4	heretic	heretic	ADJ
pipe-0137	185	5	scum	scum	NOUN
pipe-0137	185	6	!	!	PUNCT
pipe-0137	185	7	”	"	PUNCT
pipe-0137	186	1	i	i	PRON
pipe-0137	186	2	shouted	shout	VERB
pipe-0137	186	3	,	,	PUNCT
pipe-0137	186	4	and	and	CCONJ
pipe-0137	186	5	i	i	PRON
pipe-0137	186	6	pushed	push	VERB
pipe-0137	186	7	him	he	PRON
pipe-0137	186	8	over	over	ADP
pipe-0137	186	9	the	the	DET
pipe-0137	186	10	edge	edge	NOUN
pipe-0137	186	11	.	.	PUNCT
pipe-0137	187	1	it	it	PRON
pipe-0137	187	2	’s	’	VERB
pipe-0137	187	3	tough	tough	ADJ
pipe-0137	187	4	,	,	PUNCT
pipe-0137	187	5	perhaps	perhaps	ADV
pipe-0137	187	6	impossible	impossible	ADJ
pipe-0137	187	7	,	,	PUNCT
pipe-0137	187	8	to	to	PART
pipe-0137	187	9	find	find	VERB
pipe-0137	187	10	a	a	DET
pipe-0137	187	11	set	set	NOUN
pipe-0137	187	12	of	of	ADP
pipe-0137	187	13	screens	screen	NOUN
pipe-0137	187	14	that	that	PRON
pipe-0137	187	15	block	block	VERB
pipe-0137	187	16	out	out	ADP
pipe-0137	187	17	the	the	DET
pipe-0137	187	18	companies	company	NOUN
pipe-0137	187	19	you	you	PRON
pipe-0137	187	20	want	want	VERB
pipe-0137	187	21	blocked	block	VERB
pipe-0137	187	22	out	out	ADP
pipe-0137	187	23	(	(	PUNCT
pipe-0137	187	24	i	i	PRON
pipe-0137	187	25	’ve	’ve	AUX
pipe-0137	187	26	never	never	ADV
pipe-0137	187	27	seen	see	VERB
pipe-0137	187	28	a	a	DET
pipe-0137	187	29	screen	screen	NOUN
pipe-0137	187	30	that	that	PRON
pipe-0137	187	31	blocks	block	VERB
pipe-0137	187	32	out	out	ADP
pipe-0137	187	33	microsoft	microsoft	PROPN
pipe-0137	187	34	,	,	PUNCT
pipe-0137	187	35	which	which	PRON
pipe-0137	187	36	my	my	PRON
pipe-0137	187	37	friend	friend	NOUN
pipe-0137	187	38	considers	consider	VERB
pipe-0137	187	39	heresy	heresy	NOUN
pipe-0137	187	40	)	)	PUNCT
pipe-0137	187	41	and	and	CCONJ
pipe-0137	187	42	also	also	ADV
pipe-0137	187	43	lets	let	VERB
pipe-0137	187	44	in	in	ADP
pipe-0137	187	45	enough	enough	ADJ
pipe-0137	187	46	companies	company	NOUN
pipe-0137	187	47	to	to	PART
pipe-0137	187	48	offer	offer	VERB
pipe-0137	187	49	a	a	DET
pipe-0137	187	50	diverse	diverse	ADJ
pipe-0137	187	51	set	set	NOUN
pipe-0137	187	52	of	of	ADP
pipe-0137	187	53	investments	investment	NOUN
pipe-0137	187	54	(	(	PUNCT
pipe-0137	187	55	and	and	CCONJ
pipe-0137	187	56	if	if	SCONJ
pipe-0137	187	57	you	you	PRON
pipe-0137	187	58	do	do	AUX
pipe-0137	187	59	n’t	not	PART
pipe-0137	187	60	have	have	VERB
pipe-0137	187	61	a	a	DET
pipe-0137	187	62	diverse	diverse	ADJ
pipe-0137	187	63	set	set	NOUN
pipe-0137	187	64	of	of	ADP
pipe-0137	187	65	investments	investment	NOUN
pipe-0137	187	66	you	you	PRON
pipe-0137	187	67	’re	’re	AUX
pipe-0137	187	68	taking	take	VERB
pipe-0137	187	69	on	on	ADP
pipe-0137	187	70	an	an	DET
pipe-0137	187	71	awful	awful	ADJ
pipe-0137	187	72	lot	lot	NOUN
pipe-0137	187	73	of	of	ADP
pipe-0137	187	74	risk	risk	NOUN
pipe-0137	187	75	)	)	PUNCT
pipe-0137	187	76	.	.	PUNCT
pipe-0137	188	1	in	in	ADP
pipe-0137	188	2	addition	addition	NOUN
pipe-0137	188	3	,	,	PUNCT
pipe-0137	188	4	it	it	PRON
pipe-0137	188	5	’s	’	VERB
pipe-0137	188	6	expensive	expensive	ADJ
pipe-0137	188	7	to	to	PART
pipe-0137	188	8	pay	pay	VERB
pipe-0137	188	9	people	people	NOUN
pipe-0137	188	10	to	to	PART
pipe-0137	188	11	review	review	VERB
pipe-0137	188	12	pretty	pretty	ADV
pipe-0137	188	13	much	much	ADV
pipe-0137	188	14	everything	everything	PRON
pipe-0137	188	15	about	about	ADP
pipe-0137	188	16	any	any	DET
pipe-0137	188	17	company	company	NOUN
pipe-0137	188	18	that	that	PRON
pipe-0137	188	19	might	might	AUX
pipe-0137	188	20	not	not	PART
pipe-0137	188	21	pass	pass	VERB
pipe-0137	188	22	social	social	ADJ
pipe-0137	188	23	muster	muster	NOUN
pipe-0137	188	24	.	.	PUNCT
pipe-0137	189	1	as	as	ADP
pipe-0137	189	2	an	an	DET
pipe-0137	189	3	investor	investor	NOUN
pipe-0137	189	4	,	,	PUNCT
pipe-0137	189	5	you	you	PRON
pipe-0137	189	6	pay	pay	VERB
pipe-0137	189	7	those	those	DET
pipe-0137	189	8	expenses	expense	NOUN
pipe-0137	189	9	.	.	PUNCT
pipe-0137	190	1	it	it	PRON
pipe-0137	190	2	might	might	AUX
pipe-0137	190	3	be	be	AUX
pipe-0137	190	4	worth	worth	ADJ
pipe-0137	190	5	it	it	PRON
pipe-0137	190	6	to	to	ADP
pipe-0137	190	7	you	you	PRON
pipe-0137	190	8	—	—	PUNCT
pipe-0137	190	9	i	i	PRON
pipe-0137	190	10	happen	happen	VERB
pipe-0137	190	11	to	to	PART
pipe-0137	190	12	be	be	AUX
pipe-0137	190	13	a	a	DET
pipe-0137	190	14	big	big	ADJ
pipe-0137	190	15	fan	fan	NOUN
pipe-0137	190	16	of	of	ADP
pipe-0137	190	17	the	the	DET
pipe-0137	190	18	cref	cref	ADJ
pipe-0137	190	19	social	social	ADJ
pipe-0137	190	20	choice	choice	NOUN
pipe-0137	190	21	account	account	NOUN
pipe-0137	190	22	—	—	PUNCT
pipe-0137	190	23	but	but	CCONJ
pipe-0137	190	24	there	there	PRON
pipe-0137	190	25	’s	’	VERB
pipe-0137	190	26	a	a	DET
pipe-0137	190	27	chance	chance	NOUN
pipe-0137	190	28	the	the	DET
pipe-0137	190	29	fees	fee	NOUN
pipe-0137	190	30	you	you	PRON
pipe-0137	190	31	pay	pay	VERB
pipe-0137	190	32	are	be	AUX
pipe-0137	190	33	hurting	hurt	VERB
pipe-0137	190	34	you	you	PRON
pipe-0137	190	35	long	long	ADJ
pipe-0137	190	36	-	-	PUNCT
pipe-0137	190	37	term	term	NOUN
pipe-0137	190	38	.	.	PUNCT
pipe-0137	191	1	finally	finally	ADV
pipe-0137	191	2	,	,	PUNCT
pipe-0137	191	3	there	there	PRON
pipe-0137	191	4	’s	’	VERB
pipe-0137	191	5	no	no	DET
pipe-0137	191	6	overwhelming	overwhelming	ADJ
pipe-0137	191	7	evidence	evidence	NOUN
pipe-0137	191	8	that	that	SCONJ
pipe-0137	191	9	social	social	ADJ
pipe-0137	191	10	investing	investing	NOUN
pipe-0137	191	11	changes	change	VERB
pipe-0137	191	12	the	the	DET
pipe-0137	191	13	world	world	NOUN
pipe-0137	191	14	in	in	ADP
pipe-0137	191	15	ways	way	NOUN
pipe-0137	191	16	that	that	PRON
pipe-0137	191	17	social	social	ADJ
pipe-0137	191	18	investors	investor	NOUN
pipe-0137	191	19	want	want	VERB
pipe-0137	191	20	it	it	PRON
pipe-0137	191	21	changed	change	VERB
pipe-0137	191	22	—	—	PUNCT
pipe-0137	191	23	but	but	CCONJ
pipe-0137	191	24	then	then	ADV
pipe-0137	191	25	,	,	PUNCT
pipe-0137	191	26	i	i	PRON
pipe-0137	191	27	have	have	AUX
pipe-0137	191	28	n’t	not	PART
pipe-0137	191	29	seen	see	VERB
pipe-0137	191	30	as	as	ADV
pipe-0137	191	31	much	much	ADJ
pipe-0137	191	32	evidence	evidence	NOUN
pipe-0137	191	33	as	as	SCONJ
pipe-0137	191	34	i	i	PRON
pipe-0137	191	35	’d	’d	NOUN
pipe-0137	191	36	like	like	VERB
pipe-0137	191	37	to	to	PART
pipe-0137	191	38	see	see	VERB
pipe-0137	191	39	about	about	ADP
pipe-0137	191	40	libraries	library	NOUN
pipe-0137	191	41	and	and	CCONJ
pipe-0137	191	42	librarians	librarian	NOUN
pipe-0137	191	43	making	make	VERB
pipe-0137	191	44	the	the	DET
pipe-0137	191	45	world	world	NOUN
pipe-0137	191	46	a	a	DET
pipe-0137	191	47	better	well	ADJ
pipe-0137	191	48	place	place	NOUN
pipe-0137	191	49	.	.	PUNCT
pipe-0137	192	1	some	some	PRON
pipe-0137	192	2	of	of	ADP
pipe-0137	192	3	us	we	PRON
pipe-0137	192	4	still	still	ADV
pipe-0137	192	5	think	think	VERB
pipe-0137	192	6	it	it	PRON
pipe-0137	192	7	’s	’	VERB
pipe-0137	192	8	worth	worth	ADJ
pipe-0137	192	9	doing	do	VERB
pipe-0137	192	10	,	,	PUNCT
pipe-0137	192	11	but	but	CCONJ
pipe-0137	192	12	that	that	PRON
pipe-0137	192	13	does	do	AUX
pipe-0137	192	14	n’t	not	PART
pipe-0137	192	15	mean	mean	VERB
pipe-0137	192	16	people	people	NOUN
pipe-0137	192	17	should	should	AUX
pipe-0137	192	18	feel	feel	VERB
pipe-0137	192	19	bad	bad	ADJ
pipe-0137	192	20	about	about	ADP
pipe-0137	192	21	investing	invest	VERB
pipe-0137	192	22	in	in	ADP
pipe-0137	192	23	regular	regular	ADJ
pipe-0137	192	24	indexes	index	NOUN
pipe-0137	192	25	(	(	PUNCT
pipe-0137	192	26	or	or	CCONJ
pipe-0137	192	27	going	go	VERB
pipe-0137	192	28	to	to	ADP
pipe-0137	192	29	the	the	DET
pipe-0137	192	30	bookstore	bookstore	NOUN
pipe-0137	192	31	or	or	CCONJ
pipe-0137	192	32	using	use	VERB
pipe-0137	192	33	netflix	netflix	PROPN
pipe-0137	192	34	)	)	PUNCT
pipe-0137	192	35	.	.	PUNCT
pipe-0137	193	1	one	one	NUM
pipe-0137	193	2	final	final	ADJ
pipe-0137	193	3	thought	thought	NOUN
pipe-0137	193	4	on	on	ADP
pipe-0137	193	5	investing	investing	NOUN
pipe-0137	193	6	,	,	PUNCT
pipe-0137	193	7	specifically	specifically	ADV
pipe-0137	193	8	social	social	ADJ
pipe-0137	193	9	investing	investing	NOUN
pipe-0137	193	10	:	:	PUNCT
pipe-0137	193	11	giving	give	VERB
pipe-0137	193	12	back	back	ADP
pipe-0137	193	13	is	be	AUX
pipe-0137	193	14	a	a	DET
pipe-0137	193	15	great	great	ADJ
pipe-0137	193	16	way	way	NOUN
pipe-0137	193	17	to	to	PART
pipe-0137	193	18	invest	invest	VERB
pipe-0137	193	19	in	in	ADP
pipe-0137	193	20	our	our	PRON
pipe-0137	193	21	common	common	ADJ
pipe-0137	193	22	future	future	NOUN
pipe-0137	193	23	.	.	PUNCT
pipe-0137	194	1	i	i	PRON
pipe-0137	194	2	’ve	’ve	AUX
pipe-0137	194	3	worked	work	VERB
pipe-0137	194	4	most	most	ADJ
pipe-0137	194	5	of	of	ADP
pipe-0137	194	6	my	my	PRON
pipe-0137	194	7	adult	adult	NOUN
pipe-0137	194	8	life	life	NOUN
pipe-0137	194	9	in	in	ADP
pipe-0137	194	10	nonprofits	nonprofit	NOUN
pipe-0137	194	11	,	,	PUNCT
pipe-0137	194	12	mostly	mostly	ADV
pipe-0137	194	13	as	as	ADP
pipe-0137	194	14	a	a	DET
pipe-0137	194	15	fundraiser	fundraiser	NOUN
pipe-0137	194	16	.	.	PUNCT
pipe-0137	195	1	i	i	PRON
pipe-0137	195	2	wo	will	AUX
pipe-0137	195	3	n’t	not	PART
pipe-0137	195	4	make	make	VERB
pipe-0137	195	5	suggestions	suggestion	NOUN
pipe-0137	195	6	about	about	ADP
pipe-0137	195	7	which	which	DET
pipe-0137	195	8	organizations	organization	NOUN
pipe-0137	195	9	are	be	AUX
pipe-0137	195	10	deserving	deserve	VERB
pipe-0137	195	11	of	of	ADP
pipe-0137	195	12	contributions	contribution	NOUN
pipe-0137	195	13	,	,	PUNCT
pipe-0137	195	14	but	but	CCONJ
pipe-0137	195	15	i	i	PRON
pipe-0137	195	16	urge	urge	VERB
pipe-0137	195	17	you	you	PRON
pipe-0137	195	18	to	to	PART
pipe-0137	195	19	make	make	VERB
pipe-0137	195	20	donating	donate	VERB
pipe-0137	195	21	to	to	ADP
pipe-0137	195	22	worthy	worthy	ADJ
pipe-0137	195	23	organizations	organization	NOUN
pipe-0137	195	24	one	one	NUM
pipe-0137	195	25	of	of	ADP
pipe-0137	195	26	your	your	PRON
pipe-0137	195	27	priorities	priority	NOUN
pipe-0137	195	28	.	.	PUNCT
pipe-0137	196	1	i	i	PRON
pipe-0137	196	2	also	also	ADV
pipe-0137	196	3	suggest	suggest	VERB
pipe-0137	196	4	answering	answer	VERB
pipe-0137	196	5	the	the	DET
pipe-0137	196	6	following	following	ADJ
pipe-0137	196	7	questions	question	NOUN
pipe-0137	196	8	:	:	PUNCT
pipe-0137	196	9	does	do	AUX
pipe-0137	196	10	it	it	PRON
pipe-0137	196	11	make	make	VERB
pipe-0137	196	12	sense	sense	NOUN
pipe-0137	196	13	to	to	PART
pipe-0137	196	14	give	give	VERB
pipe-0137	196	15	a	a	DET
pipe-0137	196	16	little	little	ADJ
pipe-0137	196	17	bit	bit	NOUN
pipe-0137	196	18	of	of	ADP
pipe-0137	196	19	money	money	NOUN
pipe-0137	196	20	to	to	ADP
pipe-0137	196	21	a	a	DET
pipe-0137	196	22	lot	lot	NOUN
pipe-0137	196	23	of	of	ADP
pipe-0137	196	24	different	different	ADJ
pipe-0137	196	25	organizations	organization	NOUN
pipe-0137	196	26	or	or	CCONJ
pipe-0137	196	27	larger	large	ADJ
pipe-0137	196	28	amounts	amount	NOUN
pipe-0137	196	29	to	to	ADP
pipe-0137	196	30	fewer	few	ADJ
pipe-0137	196	31	organizations	organization	NOUN
pipe-0137	196	32	?	?	PUNCT
pipe-0137	197	1	does	do	AUX
pipe-0137	197	2	it	it	PRON
pipe-0137	197	3	make	make	VERB
pipe-0137	197	4	sense	sense	NOUN
pipe-0137	197	5	to	to	PART
pipe-0137	197	6	give	give	VERB
pipe-0137	197	7	them	they	PRON
pipe-0137	197	8	money	money	NOUN
pipe-0137	197	9	in	in	ADP
pipe-0137	197	10	cash	cash	NOUN
pipe-0137	197	11	,	,	PUNCT
pipe-0137	197	12	on	on	ADP
pipe-0137	197	13	a	a	DET
pipe-0137	197	14	credit	credit	NOUN
pipe-0137	197	15	card	card	NOUN
pipe-0137	197	16	,	,	PUNCT
pipe-0137	197	17	or	or	CCONJ
pipe-0137	197	18	through	through	ADP
pipe-0137	197	19	a	a	DET
pipe-0137	197	20	stock	stock	NOUN
pipe-0137	197	21	transfer	transfer	NOUN
pipe-0137	197	22	?	?	PUNCT
pipe-0137	198	1	could	could	AUX
pipe-0137	198	2	you	you	PRON
pipe-0137	198	3	do	do	VERB
pipe-0137	198	4	more	more	ADV
pipe-0137	198	5	good	good	ADJ
pipe-0137	198	6	by	by	ADP
pipe-0137	198	7	setting	set	VERB
pipe-0137	198	8	up	up	ADP
pipe-0137	198	9	a	a	DET
pipe-0137	198	10	personal	personal	ADJ
pipe-0137	198	11	foundation	foundation	NOUN
pipe-0137	198	12	or	or	CCONJ
pipe-0137	198	13	donor	donor	NOUN
pipe-0137	198	14	-	-	PUNCT
pipe-0137	198	15	advised	advise	VERB
pipe-0137	198	16	fund	fund	NOUN
pipe-0137	198	17	(	(	PUNCT
pipe-0137	198	18	it	it	PRON
pipe-0137	198	19	’s	’	VERB
pipe-0137	198	20	easier	easy	ADJ
pipe-0137	198	21	and	and	CCONJ
pipe-0137	198	22	requires	require	VERB
pipe-0137	198	23	less	less	ADJ
pipe-0137	198	24	money	money	NOUN
pipe-0137	198	25	than	than	SCONJ
pipe-0137	198	26	you	you	PRON
pipe-0137	198	27	might	might	AUX
pipe-0137	198	28	imagine	imagine	VERB
pipe-0137	198	29	)	)	PUNCT
pipe-0137	198	30	?	?	PUNCT
pipe-0137	199	1	ultimately	ultimately	ADV
pipe-0137	199	2	,	,	PUNCT
pipe-0137	199	3	the	the	DET
pipe-0137	199	4	key	key	NOUN
pipe-0137	199	5	is	be	AUX
pipe-0137	199	6	to	to	PART
pipe-0137	199	7	feel	feel	VERB
pipe-0137	199	8	confident	confident	ADJ
pipe-0137	199	9	in	in	ADP
pipe-0137	199	10	all	all	PRON
pipe-0137	199	11	of	of	ADP
pipe-0137	199	12	your	your	PRON
pipe-0137	199	13	choices	choice	NOUN
pipe-0137	199	14	regarding	regard	VERB
pipe-0137	199	15	money	money	NOUN
pipe-0137	199	16	,	,	PUNCT
pipe-0137	199	17	to	to	PART
pipe-0137	199	18	understand	understand	VERB
pipe-0137	199	19	them	they	PRON
pipe-0137	199	20	and	and	CCONJ
pipe-0137	199	21	,	,	PUNCT
pipe-0137	199	22	ideally	ideally	ADV
pipe-0137	199	23	,	,	PUNCT
pipe-0137	199	24	to	to	PART
pipe-0137	199	25	educate	educate	VERB
pipe-0137	199	26	those	those	PRON
pipe-0137	199	27	around	around	ADP
pipe-0137	199	28	you	you	PRON
pipe-0137	199	29	.	.	PUNCT
pipe-0137	200	1	this	this	PRON
pipe-0137	200	2	is	be	AUX
pipe-0137	200	3	what	what	PRON
pipe-0137	200	4	we	we	PRON
pipe-0137	200	5	,	,	PUNCT
pipe-0137	200	6	as	as	ADP
pipe-0137	200	7	librarians	librarian	NOUN
pipe-0137	200	8	,	,	PUNCT
pipe-0137	200	9	have	have	VERB
pipe-0137	200	10	to	to	PART
pipe-0137	200	11	offer	offer	VERB
pipe-0137	200	12	.	.	PUNCT
pipe-0137	201	1	thanks	thank	NOUN
pipe-0137	201	2	to	to	ADP
pipe-0137	201	3	jeff	jeff	PROPN
pipe-0137	201	4	bonfield	bonfield	PROPN
pipe-0137	201	5	,	,	PUNCT
pipe-0137	201	6	w.	w.	PROPN
pipe-0137	201	7	keith	keith	PROPN
pipe-0137	201	8	mccoy	mccoy	PROPN
pipe-0137	201	9	,	,	PUNCT
pipe-0137	201	10	mike	mike	PROPN
pipe-0137	201	11	overholt	overholt	NOUN
pipe-0137	201	12	,	,	PUNCT
pipe-0137	201	13	and	and	CCONJ
pipe-0137	201	14	bill	bill	NOUN
pipe-0137	201	15	white	white	ADJ
pipe-0137	201	16	for	for	ADP
pipe-0137	201	17	reading	read	VERB
pipe-0137	201	18	an	an	DET
pipe-0137	201	19	early	early	ADJ
pipe-0137	201	20	draft	draft	NOUN
pipe-0137	201	21	of	of	ADP
pipe-0137	201	22	this	this	DET
pipe-0137	201	23	article	article	NOUN
pipe-0137	201	24	,	,	PUNCT
pipe-0137	201	25	and	and	CCONJ
pipe-0137	201	26	to	to	ADP
pipe-0137	201	27	my	my	PRON
pipe-0137	201	28	itlwtlp	itlwtlp	ADJ
pipe-0137	201	29	colleague	colleague	NOUN
pipe-0137	201	30	,	,	PUNCT
pipe-0137	201	31	kim	kim	PROPN
pipe-0137	201	32	leeder	leeder	PROPN
pipe-0137	201	33	,	,	PUNCT
pipe-0137	201	34	for	for	ADP
pipe-0137	201	35	helping	help	VERB
pipe-0137	201	36	me	i	PRON
pipe-0137	201	37	with	with	ADP
pipe-0137	201	38	its	its	PRON
pipe-0137	201	39	final	final	ADJ
pipe-0137	201	40	version	version	NOUN
pipe-0137	201	41	.	.	PUNCT
pipe-0137	202	1	in	in	ADP
pipe-0137	202	2	2006	2006	NUM
pipe-0137	202	3	,	,	PUNCT
pipe-0137	202	4	the	the	DET
pipe-0137	202	5	most	most	ADV
pipe-0137	202	6	recent	recent	ADJ
pipe-0137	202	7	year	year	NOUN
pipe-0137	202	8	for	for	ADP
pipe-0137	202	9	which	which	PRON
pipe-0137	202	10	data	data	NOUN
pipe-0137	202	11	is	be	AUX
pipe-0137	202	12	readily	readily	ADV
pipe-0137	202	13	available	available	ADJ
pipe-0137	202	14	,	,	PUNCT
pipe-0137	202	15	for	for	ADP
pipe-0137	202	16	the	the	DET
pipe-0137	202	17	25	25	NUM
pipe-0137	202	18	%	%	NOUN
pipe-0137	202	19	tax	tax	NOUN
pipe-0137	202	20	bracket	bracket	NOUN
pipe-0137	202	21	the	the	DET
pipe-0137	202	22	lower	low	ADJ
pipe-0137	202	23	bound	bind	VERB
pipe-0137	202	24	was	be	AUX
pipe-0137	202	25	$	$	SYM
pipe-0137	202	26	30,650	30,650	NUM
pipe-0137	202	27	and	and	CCONJ
pipe-0137	202	28	the	the	DET
pipe-0137	202	29	upper	upper	ADJ
pipe-0137	202	30	bound	bound	NOUN
pipe-0137	202	31	was	be	AUX
pipe-0137	202	32	$	$	SYM
pipe-0137	202	33	74,200	74,200	NUM
pipe-0137	202	34	.	.	PUNCT
pipe-0137	203	1	according	accord	VERB
pipe-0137	203	2	to	to	ADP
pipe-0137	203	3	the	the	DET
pipe-0137	203	4	bls	bls	NOUN
pipe-0137	203	5	,	,	PUNCT
pipe-0137	203	6	in	in	ADP
pipe-0137	203	7	2006	2006	NUM
pipe-0137	203	8	,	,	PUNCT
pipe-0137	203	9	“	"	PUNCT
pipe-0137	203	10	the	the	DET
pipe-0137	203	11	lowest	low	ADJ
pipe-0137	203	12	10	10	NUM
pipe-0137	203	13	percent	percent	NOUN
pipe-0137	203	14	(	(	PUNCT
pipe-0137	203	15	of	of	ADP
pipe-0137	203	16	librarians	librarian	NOUN
pipe-0137	203	17	)	)	PUNCT
pipe-0137	203	18	earned	earn	VERB
pipe-0137	203	19	less	less	ADJ
pipe-0137	203	20	than	than	ADP
pipe-0137	203	21	$	$	SYM
pipe-0137	203	22	30,930	30,930	NUM
pipe-0137	203	23	,	,	PUNCT
pipe-0137	203	24	and	and	CCONJ
pipe-0137	203	25	the	the	DET
pipe-0137	203	26	highest	high	ADJ
pipe-0137	203	27	10	10	NUM
pipe-0137	203	28	percent	percent	NOUN
pipe-0137	203	29	earned	earn	VERB
pipe-0137	203	30	more	more	ADJ
pipe-0137	203	31	than	than	ADP
pipe-0137	203	32	$	$	SYM
pipe-0137	203	33	74,670	74,670	NUM
pipe-0137	203	34	.	.	PUNCT
pipe-0137	203	35	”	"	PUNCT
pipe-0137	204	1	so	so	ADV
pipe-0137	204	2	we	we	PRON
pipe-0137	204	3	’re	’re	VERB
pipe-0137	204	4	within	within	ADP
pipe-0137	204	5	a	a	DET
pipe-0137	204	6	rounding	round	VERB
pipe-0137	204	7	error	error	NOUN
pipe-0137	204	8	of	of	ADP
pipe-0137	204	9	matching	match	VERB
pipe-0137	204	10	both	both	DET
pipe-0137	204	11	boundaries	boundary	NOUN
pipe-0137	204	12	of	of	ADP
pipe-0137	204	13	the	the	DET
pipe-0137	204	14	25	25	NUM
pipe-0137	204	15	%	%	NOUN
pipe-0137	204	16	tax	tax	NOUN
pipe-0137	204	17	bracket	bracket	NOUN
pipe-0137	204	18	.	.	PUNCT
pipe-0137	205	1	while	while	SCONJ
pipe-0137	205	2	we	we	PRON
pipe-0137	205	3	may	may	AUX
pipe-0137	205	4	not	not	PART
pipe-0137	205	5	think	think	VERB
pipe-0137	205	6	of	of	ADP
pipe-0137	205	7	ourselves	ourselves	PRON
pipe-0137	205	8	that	that	DET
pipe-0137	205	9	way	way	NOUN
pipe-0137	205	10	,	,	PUNCT
pipe-0137	205	11	the	the	DET
pipe-0137	205	12	25	25	NUM
pipe-0137	205	13	%	%	NOUN
pipe-0137	205	14	bracket	bracket	NOUN
pipe-0137	205	15	might	might	AUX
pipe-0137	205	16	well	well	ADV
pipe-0137	205	17	be	be	AUX
pipe-0137	205	18	considered	consider	VERB
pipe-0137	205	19	rich	rich	ADJ
pipe-0137	205	20	.	.	PUNCT
pipe-0137	206	1	it	it	PRON
pipe-0137	206	2	certainly	certainly	ADV
pipe-0137	206	3	would	would	AUX
pipe-0137	206	4	be	be	AUX
pipe-0137	206	5	in	in	ADP
pipe-0137	206	6	a	a	DET
pipe-0137	206	7	global	global	ADJ
pipe-0137	206	8	sense	sense	NOUN
pipe-0137	206	9	:	:	PUNCT
pipe-0137	206	10	according	accord	VERB
pipe-0137	206	11	to	to	ADP
pipe-0137	206	12	data	datum	NOUN
pipe-0137	206	13	available	available	ADJ
pipe-0137	206	14	at	at	ADP
pipe-0137	206	15	the	the	DET
pipe-0137	206	16	world	world	PROPN
pipe-0137	206	17	bank	bank	PROPN
pipe-0137	206	18	’s	’s	PART
pipe-0137	206	19	povcalnet	povcalnet	NOUN
pipe-0137	206	20	,	,	PUNCT
pipe-0137	206	21	a	a	DET
pipe-0137	206	22	librarian	librarian	NOUN
pipe-0137	206	23	making	make	VERB
pipe-0137	206	24	$	$	SYM
pipe-0137	206	25	30,930	30,930	NUM
pipe-0137	206	26	would	would	AUX
pipe-0137	206	27	have	have	VERB
pipe-0137	206	28	a	a	DET
pipe-0137	206	29	higher	high	ADJ
pipe-0137	206	30	annual	annual	ADJ
pipe-0137	206	31	income	income	NOUN
pipe-0137	206	32	than	than	ADP
pipe-0137	206	33	99	99	NUM
pipe-0137	206	34	%	%	NOUN
pipe-0137	206	35	of	of	ADP
pipe-0137	206	36	the	the	DET
pipe-0137	206	37	people	people	NOUN
pipe-0137	206	38	throughout	throughout	ADP
pipe-0137	206	39	the	the	DET
pipe-0137	206	40	developing	develop	VERB
pipe-0137	206	41	world	world	NOUN
pipe-0137	206	42	(	(	PUNCT
pipe-0137	206	43	follow	follow	VERB
pipe-0137	206	44	the	the	DET
pipe-0137	206	45	link	link	NOUN
pipe-0137	206	46	to	to	ADP
pipe-0137	206	47	povcal	povcal	ADJ
pipe-0137	206	48	,	,	PUNCT
pipe-0137	206	49	select	select	PROPN
pipe-0137	206	50	worldbank	worldbank	PROPN
pipe-0137	206	51	’s	’s	PART
pipe-0137	206	52	regional	regional	ADJ
pipe-0137	206	53	aggregation	aggregation	NOUN
pipe-0137	206	54	,	,	PUNCT
pipe-0137	206	55	select	select	ADJ
pipe-0137	206	56	2005	2005	NUM
pipe-0137	206	57	as	as	ADP
pipe-0137	206	58	the	the	DET
pipe-0137	206	59	reference	reference	NOUN
pipe-0137	206	60	year	year	NOUN
pipe-0137	206	61	,	,	PUNCT
pipe-0137	206	62	and	and	CCONJ
pipe-0137	206	63	select	select	VERB
pipe-0137	206	64	this	this	DET
pipe-0137	206	65	librarian	librarian	NOUN
pipe-0137	206	66	’s	’s	PART
pipe-0137	206	67	average	average	ADJ
pipe-0137	206	68	monthly	monthly	ADJ
pipe-0137	206	69	earnings	earning	NOUN
pipe-0137	206	70	,	,	PUNCT
pipe-0137	206	71	$	$	SYM
pipe-0137	206	72	2,577.50	2,577.50	NUM
pipe-0137	206	73	,	,	PUNCT
pipe-0137	206	74	as	as	ADP
pipe-0137	206	75	the	the	DET
pipe-0137	206	76	poverty	poverty	NOUN
pipe-0137	206	77	line	line	NOUN
pipe-0137	206	78	)	)	PUNCT
pipe-0137	206	79	.	.	PUNCT
pipe-0137	207	1	it	it	PRON
pipe-0137	207	2	could	could	AUX
pipe-0137	207	3	also	also	ADV
pipe-0137	207	4	be	be	AUX
pipe-0137	207	5	considered	consider	VERB
pipe-0137	207	6	rich	rich	ADJ
pipe-0137	207	7	domestically	domestically	ADV
pipe-0137	207	8	:	:	PUNCT
pipe-0137	207	9	in	in	ADP
pipe-0137	207	10	2006	2006	NUM
pipe-0137	207	11	,	,	PUNCT
pipe-0137	207	12	68	68	NUM
pipe-0137	207	13	%	%	NOUN
pipe-0137	207	14	of	of	ADP
pipe-0137	207	15	the	the	DET
pipe-0137	207	16	the	the	DET
pipe-0137	207	17	population	population	NOUN
pipe-0137	207	18	made	make	VERB
pipe-0137	207	19	less	less	ADJ
pipe-0137	207	20	.	.	PUNCT
pipe-0137	208	1	note	note	VERB
pipe-0137	208	2	:	:	PUNCT
pipe-0137	208	3	for	for	ADP
pipe-0137	208	4	the	the	DET
pipe-0137	208	5	sake	sake	NOUN
pipe-0137	208	6	of	of	ADP
pipe-0137	208	7	simplicity	simplicity	NOUN
pipe-0137	208	8	,	,	PUNCT
pipe-0137	208	9	and	and	CCONJ
pipe-0137	208	10	except	except	SCONJ
pipe-0137	208	11	for	for	ADP
pipe-0137	208	12	the	the	DET
pipe-0137	208	13	world	world	PROPN
pipe-0137	208	14	bank	bank	NOUN
pipe-0137	208	15	statistics	statistic	NOUN
pipe-0137	208	16	,	,	PUNCT
pipe-0137	208	17	all	all	DET
pipe-0137	208	18	number	number	NOUN
pipe-0137	208	19	are	be	AUX
pipe-0137	208	20	from	from	ADP
pipe-0137	208	21	u.s	u.s	PROPN
pipe-0137	208	22	.	.	PROPN
pipe-0137	208	23	and	and	CCONJ
pipe-0137	208	24	refer	refer	VERB
pipe-0137	208	25	to	to	ADP
pipe-0137	208	26	“	"	PUNCT
pipe-0137	208	27	unmarried	unmarried	ADJ
pipe-0137	208	28	individuals	individual	NOUN
pipe-0137	208	29	(	(	PUNCT
pipe-0137	208	30	other	other	ADJ
pipe-0137	208	31	than	than	ADP
pipe-0137	208	32	surviving	survive	VERB
pipe-0137	208	33	spouse	spouse	NOUN
pipe-0137	208	34	and	and	CCONJ
pipe-0137	208	35	heads	head	NOUN
pipe-0137	208	36	of	of	ADP
pipe-0137	208	37	households	household	NOUN
pipe-0137	208	38	)	)	PUNCT
pipe-0137	208	39	”	"	PUNCT
pipe-0137	208	40	because	because	SCONJ
pipe-0137	208	41	we	we	PRON
pipe-0137	208	42	’re	’re	AUX
pipe-0137	208	43	comparing	compare	VERB
pipe-0137	208	44	tax	tax	NOUN
pipe-0137	208	45	brackets	bracket	NOUN
pipe-0137	208	46	for	for	ADP
pipe-0137	208	47	individuals	individual	NOUN
pipe-0137	208	48	to	to	AUX
pipe-0137	208	49	individual	individual	NOUN
pipe-0137	208	50	(	(	PUNCT
pipe-0137	208	51	librarians	librarian	NOUN
pipe-0137	208	52	’	'	PUNCT
pipe-0137	208	53	)	)	PUNCT
pipe-0137	208	54	incomes	income	NOUN
pipe-0137	208	55	(	(	PUNCT
pipe-0137	208	56	for	for	ADP
pipe-0137	208	57	that	that	DET
pipe-0137	208	58	reason	reason	NOUN
pipe-0137	208	59	,	,	PUNCT
pipe-0137	208	60	capital	capital	NOUN
pipe-0137	208	61	gains	gain	NOUN
pipe-0137	208	62	are	be	AUX
pipe-0137	208	63	also	also	ADV
pipe-0137	208	64	excluded	exclude	VERB
pipe-0137	208	65	)	)	PUNCT
pipe-0137	208	66	.	.	PUNCT
pipe-0137	209	1	the	the	DET
pipe-0137	209	2	68	68	NUM
pipe-0137	209	3	%	%	NOUN
pipe-0137	209	4	figure	figure	NOUN
pipe-0137	209	5	refers	refer	VERB
pipe-0137	209	6	to	to	ADP
pipe-0137	209	7	the	the	DET
pipe-0137	209	8	number	number	NOUN
pipe-0137	209	9	of	of	ADP
pipe-0137	209	10	“	"	PUNCT
pipe-0137	209	11	unmarried	unmarried	ADJ
pipe-0137	209	12	individuals	individual	NOUN
pipe-0137	209	13	”	"	PUNCT
pipe-0137	209	14	who	who	PRON
pipe-0137	209	15	did	do	AUX
pipe-0137	209	16	not	not	PART
pipe-0137	209	17	earn	earn	VERB
pipe-0137	209	18	enough	enough	ADJ
pipe-0137	209	19	to	to	PART
pipe-0137	209	20	qualify	qualify	VERB
pipe-0137	209	21	for	for	ADP
pipe-0137	209	22	the	the	DET
pipe-0137	209	23	25	25	NUM
pipe-0137	209	24	%	%	NOUN
pipe-0137	209	25	tax	tax	NOUN
pipe-0137	209	26	bracket	bracket	NOUN
pipe-0137	209	27	;	;	PUNCT
pipe-0137	209	28	among	among	ADP
pipe-0137	209	29	all	all	DET
pipe-0137	209	30	tax	tax	NOUN
pipe-0137	209	31	payers	payer	NOUN
pipe-0137	209	32	,	,	PUNCT
pipe-0137	209	33	64	64	NUM
pipe-0137	209	34	%	%	NOUN
pipe-0137	209	35	were	be	AUX
pipe-0137	209	36	below	below	ADP
pipe-0137	209	37	25	25	NUM
pipe-0137	209	38	%	%	NOUN
pipe-0137	209	39	.	.	PUNCT
pipe-0137	210	1	[	[	X
pipe-0137	210	2	↩	↩	NOUN
pipe-0137	210	3	]	]	PUNCT
pipe-0137	210	4	for	for	ADP
pipe-0137	210	5	instance	instance	NOUN
pipe-0137	210	6	,	,	PUNCT
pipe-0137	210	7	warren	warren	PROPN
pipe-0137	210	8	buffett	buffett	PROPN
pipe-0137	210	9	’s	’s	PART
pipe-0137	210	10	partner	partner	PROPN
pipe-0137	210	11	,	,	PUNCT
pipe-0137	210	12	charles	charles	PROPN
pipe-0137	210	13	munger	munger	PROPN
pipe-0137	210	14	,	,	PUNCT
pipe-0137	210	15	is	be	AUX
pipe-0137	210	16	one	one	NUM
pipe-0137	210	17	of	of	ADP
pipe-0137	210	18	the	the	DET
pipe-0137	210	19	world	world	NOUN
pipe-0137	210	20	’s	’s	PART
pipe-0137	210	21	most	most	ADV
pipe-0137	210	22	respected	respected	ADJ
pipe-0137	210	23	investors	investor	NOUN
pipe-0137	210	24	.	.	PUNCT
pipe-0137	211	1	his	his	PRON
pipe-0137	211	2	talks	talk	NOUN
pipe-0137	211	3	,	,	PUNCT
pipe-0137	211	4	lectures	lecture	NOUN
pipe-0137	211	5	and	and	CCONJ
pipe-0137	211	6	public	public	ADJ
pipe-0137	211	7	commentary	commentary	NOUN
pipe-0137	211	8	have	have	AUX
pipe-0137	211	9	been	be	AUX
pipe-0137	211	10	collected	collect	VERB
pipe-0137	211	11	in	in	ADP
pipe-0137	211	12	poor	poor	ADJ
pipe-0137	211	13	charlie	charlie	PROPN
pipe-0137	211	14	’s	’s	PART
pipe-0137	211	15	almanack	almanack	NOUN
pipe-0137	211	16	,	,	PUNCT
pipe-0137	211	17	which	which	PRON
pipe-0137	211	18	features	feature	VERB
pipe-0137	211	19	a	a	DET
pipe-0137	211	20	foreword	foreword	NOUN
pipe-0137	211	21	by	by	ADP
pipe-0137	211	22	buffett	buffett	PROPN
pipe-0137	211	23	.	.	PUNCT
pipe-0137	212	1	in	in	ADP
pipe-0137	212	2	his	his	PRON
pipe-0137	212	3	most	most	ADV
pipe-0137	212	4	recent	recent	ADJ
pipe-0137	212	5	letter	letter	NOUN
pipe-0137	212	6	to	to	PART
pipe-0137	212	7	berkshire	berkshire	VERB
pipe-0137	212	8	hathaway	hathaway	NOUN
pipe-0137	212	9	shareholders	shareholder	NOUN
pipe-0137	212	10	(	(	PUNCT
pipe-0137	212	11	february	february	PROPN
pipe-0137	212	12	2008	2008	NUM
pipe-0137	212	13	)	)	PUNCT
pipe-0137	212	14	,	,	PUNCT
pipe-0137	212	15	buffett	buffett	PROPN
pipe-0137	212	16	wrote	write	VERB
pipe-0137	212	17	,	,	PUNCT
pipe-0137	212	18	“	"	PUNCT
pipe-0137	212	19	without	without	ADP
pipe-0137	212	20	any	any	DET
pipe-0137	212	21	advertising	advertising	NOUN
pipe-0137	212	22	or	or	CCONJ
pipe-0137	212	23	bookstore	bookstore	NOUN
pipe-0137	212	24	placement	placement	NOUN
pipe-0137	212	25	,	,	PUNCT
pipe-0137	212	26	charlie	charlie	PROPN
pipe-0137	212	27	’s	’s	PART
pipe-0137	212	28	book	book	NOUN
pipe-0137	212	29	has	have	AUX
pipe-0137	212	30	now	now	ADV
pipe-0137	212	31	remarkably	remarkably	ADV
pipe-0137	212	32	sold	sell	VERB
pipe-0137	212	33	nearly	nearly	ADV
pipe-0137	212	34	50,000	50,000	NUM
pipe-0137	212	35	copies	copy	NOUN
pipe-0137	212	36	.	.	PUNCT
pipe-0137	212	37	”	"	PUNCT
pipe-0137	213	1	it	it	PRON
pipe-0137	213	2	is	be	AUX
pipe-0137	213	3	held	hold	VERB
pipe-0137	213	4	by	by	ADP
pipe-0137	213	5	67	67	NUM
pipe-0137	213	6	worldcat	worldcat	NOUN
pipe-0137	213	7	libraries	library	NOUN
pipe-0137	213	8	,	,	PUNCT
pipe-0137	213	9	which	which	PRON
pipe-0137	213	10	is	be	AUX
pipe-0137	213	11	n’t	not	PART
pipe-0137	213	12	bad	bad	ADJ
pipe-0137	213	13	,	,	PUNCT
pipe-0137	213	14	but	but	CCONJ
pipe-0137	213	15	we	we	PRON
pipe-0137	213	16	could	could	AUX
pipe-0137	213	17	be	be	AUX
pipe-0137	213	18	doing	do	VERB
pipe-0137	213	19	a	a	DET
pipe-0137	213	20	lot	lot	NOUN
pipe-0137	213	21	better	well	ADV
pipe-0137	213	22	.	.	PUNCT
pipe-0137	214	1	(	(	PUNCT
pipe-0137	214	2	by	by	ADP
pipe-0137	214	3	way	way	NOUN
pipe-0137	214	4	of	of	ADP
pipe-0137	214	5	comparison	comparison	NOUN
pipe-0137	214	6	,	,	PUNCT
pipe-0137	214	7	the	the	DET
pipe-0137	214	8	underground	underground	ADJ
pipe-0137	214	9	islamic	islamic	ADJ
pipe-0137	214	10	punk	punk	NOUN
pipe-0137	214	11	novel	novel	NOUN
pipe-0137	214	12	,	,	PUNCT
pipe-0137	214	13	the	the	DET
pipe-0137	214	14	taqwacores	taqwacore	NOUN
pipe-0137	214	15	,	,	PUNCT
pipe-0137	214	16	was	be	AUX
pipe-0137	214	17	held	hold	VERB
pipe-0137	214	18	by	by	ADP
pipe-0137	214	19	64	64	NUM
pipe-0137	214	20	worldcat	worldcat	NOUN
pipe-0137	214	21	libraries	library	NOUN
pipe-0137	214	22	when	when	SCONJ
pipe-0137	214	23	last	last	ADJ
pipe-0137	214	24	i	i	PRON
pipe-0137	214	25	checked	check	VERB
pipe-0137	214	26	.	.	PUNCT
pipe-0137	214	27	)	)	PUNCT
pipe-0137	215	1	[	[	X
pipe-0137	215	2	↩	↩	NOUN
pipe-0137	215	3	]	]	X
pipe-0137	215	4	just	just	ADV
pipe-0137	215	5	to	to	PART
pipe-0137	215	6	be	be	AUX
pipe-0137	215	7	clear	clear	ADJ
pipe-0137	215	8	,	,	PUNCT
pipe-0137	215	9	i	i	PRON
pipe-0137	215	10	’m	’m	AUX
pipe-0137	215	11	not	not	PART
pipe-0137	215	12	picking	pick	VERB
pipe-0137	215	13	on	on	ADP
pipe-0137	215	14	librarians	librarian	NOUN
pipe-0137	215	15	.	.	PUNCT
pipe-0137	216	1	irrationality	irrationality	NOUN
pipe-0137	216	2	affects	affect	VERB
pipe-0137	216	3	everyone	everyone	PRON
pipe-0137	216	4	,	,	PUNCT
pipe-0137	216	5	even	even	ADV
pipe-0137	216	6	the	the	DET
pipe-0137	216	7	world	world	NOUN
pipe-0137	216	8	’s	’s	PART
pipe-0137	216	9	best	good	ADJ
pipe-0137	216	10	programmers	programmer	NOUN
pipe-0137	216	11	.	.	PUNCT
pipe-0137	217	1	to	to	PART
pipe-0137	217	2	combat	combat	VERB
pipe-0137	217	3	it	it	PRON
pipe-0137	217	4	’s	’s	ADJ
pipe-0137	217	5	employees	employee	NOUN
pipe-0137	217	6	’	’	PART
pipe-0137	217	7	irrationality	irrationality	NOUN
pipe-0137	217	8	,	,	PUNCT
pipe-0137	217	9	google	google	PROPN
pipe-0137	217	10	,	,	PUNCT
pipe-0137	217	11	when	when	SCONJ
pipe-0137	217	12	it	it	PRON
pipe-0137	217	13	was	be	AUX
pipe-0137	217	14	preparing	prepare	VERB
pipe-0137	217	15	to	to	PART
pipe-0137	217	16	go	go	VERB
pipe-0137	217	17	public	public	ADJ
pipe-0137	217	18	,	,	PUNCT
pipe-0137	217	19	did	do	VERB
pipe-0137	217	20	a	a	DET
pipe-0137	217	21	sort	sort	NOUN
pipe-0137	217	22	of	of	ADP
pipe-0137	217	23	workplace	workplace	NOUN
pipe-0137	217	24	wellness	wellness	NOUN
pipe-0137	217	25	program	program	NOUN
pipe-0137	217	26	,	,	PUNCT
pipe-0137	217	27	only	only	ADV
pipe-0137	217	28	instead	instead	ADV
pipe-0137	217	29	of	of	ADP
pipe-0137	217	30	being	be	AUX
pipe-0137	217	31	about	about	ADP
pipe-0137	217	32	physical	physical	ADJ
pipe-0137	217	33	health	health	NOUN
pipe-0137	217	34	its	its	PRON
pipe-0137	217	35	program	program	NOUN
pipe-0137	217	36	was	be	AUX
pipe-0137	217	37	about	about	ADP
pipe-0137	217	38	personal	personal	ADJ
pipe-0137	217	39	finance	finance	NOUN
pipe-0137	217	40	.	.	PUNCT
pipe-0137	218	1	an	an	DET
pipe-0137	218	2	article	article	NOUN
pipe-0137	218	3	by	by	ADP
pipe-0137	218	4	mark	mark	PROPN
pipe-0137	218	5	dowie	dowie	NOUN
pipe-0137	218	6	describing	describe	VERB
pipe-0137	218	7	google	google	PROPN
pipe-0137	218	8	’s	’s	PART
pipe-0137	218	9	personal	personal	ADJ
pipe-0137	218	10	finance	finance	NOUN
pipe-0137	218	11	education	education	NOUN
pipe-0137	218	12	program	program	NOUN
pipe-0137	218	13	is	be	AUX
pipe-0137	218	14	a	a	DET
pipe-0137	218	15	nice	nice	ADJ
pipe-0137	218	16	primer	primer	NOUN
pipe-0137	218	17	on	on	ADP
pipe-0137	218	18	this	this	DET
pipe-0137	218	19	topic	topic	NOUN
pipe-0137	218	20	.	.	PUNCT
pipe-0137	219	1	[	[	X
pipe-0137	219	2	↩	↩	NOUN
pipe-0137	219	3	]	]	PUNCT
pipe-0137	219	4	which	which	PRON
pipe-0137	219	5	is	be	AUX
pipe-0137	219	6	n’t	not	PART
pipe-0137	219	7	to	to	PART
pipe-0137	219	8	say	say	VERB
pipe-0137	219	9	that	that	SCONJ
pipe-0137	219	10	no	no	DET
pipe-0137	219	11	one	one	NOUN
pipe-0137	219	12	else	else	ADV
pipe-0137	219	13	has	have	VERB
pipe-0137	219	14	anything	anything	PRON
pipe-0137	219	15	useful	useful	ADJ
pipe-0137	219	16	or	or	CCONJ
pipe-0137	219	17	interesting	interesting	ADJ
pipe-0137	219	18	to	to	PART
pipe-0137	219	19	say	say	VERB
pipe-0137	219	20	about	about	ADP
pipe-0137	219	21	money	money	NOUN
pipe-0137	219	22	.	.	PUNCT
pipe-0137	220	1	among	among	ADP
pipe-0137	220	2	my	my	PRON
pipe-0137	220	3	favorite	favorite	ADJ
pipe-0137	220	4	writers	writer	NOUN
pipe-0137	220	5	in	in	ADP
pipe-0137	220	6	this	this	DET
pipe-0137	220	7	area	area	NOUN
pipe-0137	220	8	are	be	AUX
pipe-0137	220	9	warren	warren	PROPN
pipe-0137	220	10	buffett	buffett	PROPN
pipe-0137	220	11	,	,	PUNCT
pipe-0137	220	12	john	john	PROPN
pipe-0137	220	13	bogle	bogle	PROPN
pipe-0137	220	14	,	,	PUNCT
pipe-0137	220	15	and	and	CCONJ
pipe-0137	220	16	william	william	PROPN
pipe-0137	220	17	bernstein	bernstein	PROPN
pipe-0137	220	18	—	—	PUNCT
pipe-0137	220	19	and	and	CCONJ
pipe-0137	220	20	those	those	PRON
pipe-0137	220	21	are	be	AUX
pipe-0137	220	22	just	just	ADV
pipe-0137	220	23	a	a	DET
pipe-0137	220	24	few	few	ADJ
pipe-0137	220	25	of	of	ADP
pipe-0137	220	26	the	the	DET
pipe-0137	220	27	b	b	NOUN
pipe-0137	220	28	’s	’s	NOUN
pipe-0137	220	29	.	.	PUNCT
pipe-0137	221	1	but	but	CCONJ
pipe-0137	221	2	most	most	ADJ
pipe-0137	221	3	people	people	NOUN
pipe-0137	221	4	will	will	AUX
pipe-0137	221	5	get	get	VERB
pipe-0137	221	6	most	most	ADJ
pipe-0137	221	7	of	of	ADP
pipe-0137	221	8	what	what	PRON
pipe-0137	221	9	they	they	PRON
pipe-0137	221	10	need	need	VERB
pipe-0137	221	11	if	if	SCONJ
pipe-0137	221	12	they	they	PRON
pipe-0137	221	13	stick	stick	VERB
pipe-0137	221	14	to	to	ADP
pipe-0137	221	15	the	the	DET
pipe-0137	221	16	books	book	NOUN
pipe-0137	221	17	i	i	PRON
pipe-0137	221	18	’ve	’ve	AUX
pipe-0137	221	19	recommended	recommend	VERB
pipe-0137	221	20	by	by	ADP
pipe-0137	221	21	tobias	tobias	PROPN
pipe-0137	221	22	and	and	CCONJ
pipe-0137	221	23	malkiel	malkiel	VERB
pipe-0137	221	24	.	.	PUNCT
pipe-0137	222	1	[	[	X
pipe-0137	222	2	↩	↩	NOUN
pipe-0137	222	3	]	]	X
pipe-0137	222	4	see	see	VERB
pipe-0137	222	5	“	"	PUNCT
pipe-0137	222	6	yale	yale	PROPN
pipe-0137	222	7	money	money	NOUN
pipe-0137	222	8	whiz	whiz	PROPN
pipe-0137	222	9	shares	share	VERB
pipe-0137	222	10	tips	tip	NOUN
pipe-0137	222	11	on	on	ADP
pipe-0137	222	12	growing	grow	VERB
pipe-0137	222	13	a	a	DET
pipe-0137	222	14	nest	nest	NOUN
pipe-0137	222	15	egg	egg	NOUN
pipe-0137	222	16	.	.	PUNCT
pipe-0137	222	17	”	"	PUNCT
pipe-0137	223	1	[	[	X
pipe-0137	223	2	↩	↩	NOUN
pipe-0137	223	3	]	]	X
pipe-0137	223	4	vanguard	vanguard	PROPN
pipe-0137	223	5	is	be	AUX
pipe-0137	223	6	mutually	mutually	ADV
pipe-0137	223	7	owned	own	VERB
pipe-0137	223	8	by	by	ADP
pipe-0137	223	9	the	the	DET
pipe-0137	223	10	people	people	NOUN
pipe-0137	223	11	who	who	PRON
pipe-0137	223	12	use	use	VERB
pipe-0137	223	13	vanguard	vanguard	NOUN
pipe-0137	223	14	to	to	PART
pipe-0137	223	15	handle	handle	VERB
pipe-0137	223	16	their	their	PRON
pipe-0137	223	17	investments	investment	NOUN
pipe-0137	223	18	;	;	PUNCT
pipe-0137	223	19	tiaa	tiaa	NOUN
pipe-0137	223	20	-	-	PUNCT
pipe-0137	223	21	cref	cref	NOUN
pipe-0137	223	22	lost	lose	VERB
pipe-0137	223	23	its	its	PRON
pipe-0137	223	24	federal	federal	ADJ
pipe-0137	223	25	tax	tax	NOUN
pipe-0137	223	26	-	-	PUNCT
pipe-0137	223	27	exemption	exemption	NOUN
pipe-0137	223	28	in	in	ADP
pipe-0137	223	29	1998	1998	NUM
pipe-0137	223	30	,	,	PUNCT
pipe-0137	223	31	but	but	CCONJ
pipe-0137	223	32	is	be	AUX
pipe-0137	223	33	still	still	ADV
pipe-0137	223	34	run	run	VERB
pipe-0137	223	35	by	by	ADP
pipe-0137	223	36	not	not	PART
pipe-0137	223	37	-	-	PUNCT
pipe-0137	223	38	for	for	ADP
pipe-0137	223	39	-	-	PUNCT
pipe-0137	223	40	profit	profit	NOUN
pipe-0137	223	41	corporations	corporation	NOUN
pipe-0137	223	42	and	and	CCONJ
pipe-0137	223	43	retains	retain	VERB
pipe-0137	223	44	its	its	PRON
pipe-0137	223	45	nonprofit	nonprofit	ADJ
pipe-0137	223	46	structure	structure	NOUN
pipe-0137	223	47	.	.	PUNCT
pipe-0137	224	1	[	[	X
pipe-0137	224	2	↩	↩	NOUN
pipe-0137	224	3	]	]	X
pipe-0137	224	4	dan	dan	PROPN
pipe-0137	224	5	otter	otter	PROPN
pipe-0137	224	6	,	,	PUNCT
pipe-0137	224	7	founder	founder	NOUN
pipe-0137	224	8	of	of	ADP
pipe-0137	224	9	the	the	DET
pipe-0137	224	10	403(b)wise	403(b)wise	NOUN
pipe-0137	224	11	and	and	CCONJ
pipe-0137	224	12	457(b)wise	457(b)wise	NUM
pipe-0137	224	13	websites	website	NOUN
pipe-0137	224	14	,	,	PUNCT
pipe-0137	224	15	has	have	VERB
pipe-0137	224	16	additional	additional	ADJ
pipe-0137	224	17	recommendations	recommendation	NOUN
pipe-0137	224	18	.	.	PUNCT
pipe-0137	225	1	[	[	X
pipe-0137	225	2	↩	↩	NOUN
pipe-0137	225	3	]	]	X
pipe-0137	225	4	if	if	SCONJ
pipe-0137	225	5	your	your	PRON
pipe-0137	225	6	employer	employer	NOUN
pipe-0137	225	7	is	be	AUX
pipe-0137	225	8	too	too	ADV
pipe-0137	225	9	small	small	ADJ
pipe-0137	225	10	to	to	PART
pipe-0137	225	11	participate	participate	VERB
pipe-0137	225	12	in	in	ADP
pipe-0137	225	13	a	a	DET
pipe-0137	225	14	vanguard	vanguard	NOUN
pipe-0137	225	15	or	or	CCONJ
pipe-0137	225	16	tiaa	tiaa	NOUN
pipe-0137	225	17	-	-	PUNCT
pipe-0137	225	18	cref	cref	NOUN
pipe-0137	225	19	401(k	401(k	PROPN
pipe-0137	225	20	)	)	PUNCT
pipe-0137	225	21	,	,	PUNCT
pipe-0137	225	22	403(b	403(b	PROPN
pipe-0137	225	23	)	)	PUNCT
pipe-0137	225	24	,	,	PUNCT
pipe-0137	225	25	or	or	CCONJ
pipe-0137	225	26	457	457	NUM
pipe-0137	225	27	,	,	PUNCT
pipe-0137	225	28	they	they	PRON
pipe-0137	225	29	may	may	AUX
pipe-0137	225	30	be	be	AUX
pipe-0137	225	31	eligible	eligible	ADJ
pipe-0137	225	32	for	for	ADP
pipe-0137	225	33	a	a	DET
pipe-0137	225	34	sep	sep	PROPN
pipe-0137	225	35	-	-	PUNCT
pipe-0137	225	36	ira	ira	PROPN
pipe-0137	225	37	or	or	CCONJ
pipe-0137	225	38	simple	simple	ADJ
pipe-0137	225	39	ira	ira	PROPN
pipe-0137	225	40	.	.	PUNCT
pipe-0137	226	1	in	in	ADP
pipe-0137	226	2	addition	addition	NOUN
pipe-0137	226	3	,	,	PUNCT
pipe-0137	226	4	in	in	ADP
pipe-0137	226	5	case	case	NOUN
pipe-0137	226	6	you	you	PRON
pipe-0137	226	7	some	some	DET
pipe-0137	226	8	day	day	NOUN
pipe-0137	226	9	find	find	VERB
pipe-0137	226	10	yourself	yourself	PRON
pipe-0137	226	11	suggesting	suggest	VERB
pipe-0137	226	12	resources	resource	NOUN
pipe-0137	226	13	for	for	ADP
pipe-0137	226	14	someone	someone	PRON
pipe-0137	226	15	who	who	PRON
pipe-0137	226	16	is	be	AUX
pipe-0137	226	17	self	self	NOUN
pipe-0137	226	18	-	-	PUNCT
pipe-0137	226	19	employed	employ	VERB
pipe-0137	226	20	,	,	PUNCT
pipe-0137	226	21	or	or	CCONJ
pipe-0137	226	22	if	if	SCONJ
pipe-0137	226	23	you	you	PRON
pipe-0137	226	24	’re	’re	AUX
pipe-0137	226	25	thinking	think	VERB
pipe-0137	226	26	about	about	ADP
pipe-0137	226	27	starting	start	VERB
pipe-0137	226	28	your	your	PRON
pipe-0137	226	29	own	own	ADJ
pipe-0137	226	30	business	business	NOUN
pipe-0137	226	31	,	,	PUNCT
pipe-0137	226	32	be	be	AUX
pipe-0137	226	33	sure	sure	ADJ
pipe-0137	226	34	to	to	PART
pipe-0137	226	35	investigate	investigate	VERB
pipe-0137	226	36	keogh	keogh	NOUN
pipe-0137	226	37	and	and	CCONJ
pipe-0137	226	38	solo	solo	PROPN
pipe-0137	226	39	401(k	401(k	NOUN
pipe-0137	226	40	)	)	PUNCT
pipe-0137	226	41	plans	plan	NOUN
pipe-0137	226	42	as	as	ADV
pipe-0137	226	43	well	well	ADV
pipe-0137	226	44	as	as	ADP
pipe-0137	226	45	seps	sep	NOUN
pipe-0137	226	46	and	and	CCONJ
pipe-0137	226	47	simples	simple	NOUN
pipe-0137	226	48	.	.	PUNCT
pipe-0137	227	1	call	call	VERB
pipe-0137	227	2	the	the	DET
pipe-0137	227	3	vanguard	vanguard	NOUN
pipe-0137	227	4	or	or	CCONJ
pipe-0137	227	5	tiaa	tiaa	NOUN
pipe-0137	227	6	-	-	PUNCT
pipe-0137	227	7	cref	cref	NOUN
pipe-0137	227	8	to	to	PART
pipe-0137	227	9	explore	explore	VERB
pipe-0137	227	10	these	these	DET
pipe-0137	227	11	options	option	NOUN
pipe-0137	227	12	.	.	PUNCT
pipe-0137	228	1	[	[	X
pipe-0137	228	2	↩	↩	NOUN
pipe-0137	228	3	]	]	PUNCT
pipe-0137	228	4	bonds	bond	NOUN
pipe-0137	228	5	are	be	AUX
pipe-0137	228	6	ious	ious	ADJ
pipe-0137	228	7	;	;	PUNCT
pipe-0137	228	8	when	when	SCONJ
pipe-0137	228	9	you	you	PRON
pipe-0137	228	10	buy	buy	VERB
pipe-0137	228	11	them	they	PRON
pipe-0137	228	12	,	,	PUNCT
pipe-0137	228	13	you	you	PRON
pipe-0137	228	14	’re	’re	AUX
pipe-0137	228	15	betting	bet	VERB
pipe-0137	228	16	that	that	SCONJ
pipe-0137	228	17	a	a	DET
pipe-0137	228	18	company	company	NOUN
pipe-0137	228	19	will	will	AUX
pipe-0137	228	20	be	be	AUX
pipe-0137	228	21	able	able	ADJ
pipe-0137	228	22	to	to	PART
pipe-0137	228	23	pay	pay	VERB
pipe-0137	228	24	you	you	PRON
pipe-0137	228	25	back	back	ADV
pipe-0137	228	26	.	.	PUNCT
pipe-0137	229	1	stocks	stock	NOUN
pipe-0137	229	2	are	be	AUX
pipe-0137	229	3	an	an	DET
pipe-0137	229	4	ownership	ownership	NOUN
pipe-0137	229	5	interest	interest	NOUN
pipe-0137	229	6	in	in	ADP
pipe-0137	229	7	a	a	DET
pipe-0137	229	8	company	company	NOUN
pipe-0137	229	9	.	.	PUNCT
pipe-0137	230	1	if	if	SCONJ
pipe-0137	230	2	a	a	DET
pipe-0137	230	3	company	company	NOUN
pipe-0137	230	4	is	be	AUX
pipe-0137	230	5	doing	do	VERB
pipe-0137	230	6	well	well	ADV
pipe-0137	230	7	,	,	PUNCT
pipe-0137	230	8	and	and	CCONJ
pipe-0137	230	9	making	make	VERB
pipe-0137	230	10	a	a	DET
pipe-0137	230	11	lot	lot	NOUN
pipe-0137	230	12	of	of	ADP
pipe-0137	230	13	profit	profit	NOUN
pipe-0137	230	14	,	,	PUNCT
pipe-0137	230	15	it	it	PRON
pipe-0137	230	16	’s	’	VERB
pipe-0137	230	17	more	more	ADV
pipe-0137	230	18	valuable	valuable	ADJ
pipe-0137	230	19	to	to	PART
pipe-0137	230	20	own	own	VERB
pipe-0137	230	21	the	the	DET
pipe-0137	230	22	company	company	NOUN
pipe-0137	230	23	than	than	SCONJ
pipe-0137	230	24	to	to	PART
pipe-0137	230	25	be	be	AUX
pipe-0137	230	26	owed	owe	VERB
pipe-0137	230	27	money	money	NOUN
pipe-0137	230	28	by	by	ADP
pipe-0137	230	29	the	the	DET
pipe-0137	230	30	company	company	NOUN
pipe-0137	230	31	.	.	PUNCT
pipe-0137	231	1	however	however	ADV
pipe-0137	231	2	,	,	PUNCT
pipe-0137	231	3	when	when	SCONJ
pipe-0137	231	4	a	a	DET
pipe-0137	231	5	company	company	NOUN
pipe-0137	231	6	is	be	AUX
pipe-0137	231	7	n’t	not	PART
pipe-0137	231	8	doing	do	VERB
pipe-0137	231	9	well	well	ADV
pipe-0137	231	10	,	,	PUNCT
pipe-0137	231	11	especially	especially	ADV
pipe-0137	231	12	if	if	SCONJ
pipe-0137	231	13	it	it	PRON
pipe-0137	231	14	looks	look	VERB
pipe-0137	231	15	like	like	SCONJ
pipe-0137	231	16	it	it	PRON
pipe-0137	231	17	may	may	AUX
pipe-0137	231	18	go	go	VERB
pipe-0137	231	19	bankrupt	bankrupt	ADJ
pipe-0137	231	20	,	,	PUNCT
pipe-0137	231	21	you	you	PRON
pipe-0137	231	22	’re	’re	VERB
pipe-0137	231	23	better	well	ADJ
pipe-0137	231	24	off	off	ADP
pipe-0137	231	25	being	be	AUX
pipe-0137	231	26	owed	owe	VERB
pipe-0137	231	27	money	money	NOUN
pipe-0137	231	28	by	by	ADP
pipe-0137	231	29	the	the	DET
pipe-0137	231	30	company	company	NOUN
pipe-0137	231	31	because	because	SCONJ
pipe-0137	231	32	,	,	PUNCT
pipe-0137	231	33	if	if	SCONJ
pipe-0137	231	34	it	it	PRON
pipe-0137	231	35	needs	need	VERB
pipe-0137	231	36	to	to	PART
pipe-0137	231	37	,	,	PUNCT
pipe-0137	231	38	it	it	PRON
pipe-0137	231	39	can	can	AUX
pipe-0137	231	40	sell	sell	VERB
pipe-0137	231	41	its	its	PRON
pipe-0137	231	42	assets	asset	NOUN
pipe-0137	231	43	in	in	ADP
pipe-0137	231	44	order	order	NOUN
pipe-0137	231	45	to	to	PART
pipe-0137	231	46	pay	pay	VERB
pipe-0137	231	47	a	a	DET
pipe-0137	231	48	portion	portion	NOUN
pipe-0137	231	49	of	of	ADP
pipe-0137	231	50	its	its	PRON
pipe-0137	231	51	ious	ious	ADJ
pipe-0137	231	52	.	.	PUNCT
pipe-0137	232	1	[	[	X
pipe-0137	232	2	↩	↩	NOUN
pipe-0137	232	3	]	]	X
pipe-0137	232	4	in	in	ADP
pipe-0137	232	5	addition	addition	NOUN
pipe-0137	232	6	,	,	PUNCT
pipe-0137	232	7	if	if	SCONJ
pipe-0137	232	8	you	you	PRON
pipe-0137	232	9	go	go	VERB
pipe-0137	232	10	with	with	ADP
pipe-0137	232	11	third	third	ADJ
pipe-0137	232	12	avenue	avenue	PROPN
pipe-0137	232	13	or	or	CCONJ
pipe-0137	232	14	tweedy	tweedy	ADJ
pipe-0137	232	15	,	,	PUNCT
pipe-0137	232	16	browne	browne	INTJ
pipe-0137	232	17	,	,	PUNCT
pipe-0137	232	18	you	you	PRON
pipe-0137	232	19	might	might	AUX
pipe-0137	232	20	want	want	VERB
pipe-0137	232	21	to	to	PART
pipe-0137	232	22	be	be	AUX
pipe-0137	232	23	begin	begin	VERB
pipe-0137	232	24	thinking	think	VERB
pipe-0137	232	25	about	about	ADP
pipe-0137	232	26	a	a	DET
pipe-0137	232	27	back	back	ADJ
pipe-0137	232	28	-	-	PUNCT
pipe-0137	232	29	up	up	ADP
pipe-0137	232	30	plan	plan	NOUN
pipe-0137	232	31	:	:	PUNCT
pipe-0137	232	32	third	third	PROPN
pipe-0137	232	33	avenue	avenue	PROPN
pipe-0137	232	34	’s	’s	PART
pipe-0137	232	35	martin	martin	PROPN
pipe-0137	232	36	whitman	whitman	PROPN
pipe-0137	232	37	is	be	AUX
pipe-0137	232	38	84	84	NUM
pipe-0137	232	39	years	year	NOUN
pipe-0137	232	40	old	old	ADJ
pipe-0137	232	41	,	,	PUNCT
pipe-0137	232	42	and	and	CCONJ
pipe-0137	232	43	the	the	DET
pipe-0137	232	44	partners	partner	NOUN
pipe-0137	232	45	at	at	ADP
pipe-0137	232	46	tweedy	tweedy	NOUN
pipe-0137	232	47	,	,	PUNCT
pipe-0137	232	48	browne	browne	PROPN
pipe-0137	232	49	are	be	AUX
pipe-0137	232	50	approaching	approach	VERB
pipe-0137	232	51	retirement	retirement	NOUN
pipe-0137	232	52	age	age	NOUN
pipe-0137	232	53	as	as	ADV
pipe-0137	232	54	well	well	ADV
pipe-0137	232	55	[	[	X
pipe-0137	232	56	↩	↩	NOUN
pipe-0137	232	57	]	]	PUNCT
pipe-0137	232	58	andrew	andrew	PROPN
pipe-0137	232	59	tobias	tobia	VERB
pipe-0137	232	60	,	,	PUNCT
pipe-0137	232	61	burton	burton	PROPN
pipe-0137	232	62	malkiel	malkiel	PROPN
pipe-0137	232	63	,	,	PUNCT
pipe-0137	232	64	insurance	insurance	NOUN
pipe-0137	232	65	,	,	PUNCT
pipe-0137	232	66	investing	investing	NOUN
pipe-0137	232	67	,	,	PUNCT
pipe-0137	232	68	money	money	NOUN
pipe-0137	232	69	,	,	PUNCT
pipe-0137	232	70	personal	personal	ADJ
pipe-0137	232	71	finance	finance	NOUN
pipe-0137	232	72	,	,	PUNCT
pipe-0137	232	73	retirement	retirement	NOUN
pipe-0137	232	74	,	,	PUNCT
pipe-0137	232	75	tiaa	tiaa	NOUN
pipe-0137	232	76	-	-	PUNCT
pipe-0137	232	77	cref	cref	PROPN
pipe-0137	232	78	,	,	PUNCT
pipe-0137	232	79	vanguard	vanguard	PROPN
pipe-0137	232	80	a	a	DET
pipe-0137	232	81	look	look	NOUN
pipe-0137	232	82	at	at	ADP
pipe-0137	232	83	recessions	recession	NOUN
pipe-0137	232	84	and	and	CCONJ
pipe-0137	232	85	their	their	PRON
pipe-0137	232	86	impact	impact	NOUN
pipe-0137	232	87	on	on	ADP
pipe-0137	232	88	librarianship	librarianship	NOUN
pipe-0137	232	89	narrating	narrate	VERB
pipe-0137	232	90	the	the	DET
pipe-0137	232	91	“	"	PUNCT
pipe-0137	232	92	back	back	ADJ
pipe-0137	232	93	story	story	NOUN
pipe-0137	232	94	”	"	PUNCT
pipe-0137	232	95	through	through	ADP
pipe-0137	232	96	e	e	NOUN
pipe-0137	232	97	-	-	PUNCT
pipe-0137	232	98	learning	learn	VERB
pipe-0137	232	99	resources	resource	NOUN
pipe-0137	232	100	in	in	ADP
pipe-0137	232	101	libraries	library	NOUN
pipe-0137	232	102	3	3	NUM
pipe-0137	232	103	responses	response	NOUN
pipe-0137	232	104	emily	emily	ADV
pipe-0137	232	105	ford	ford	VERB
pipe-0137	232	106	2009–01–21	2009–01–21	NUM
pipe-0137	232	107	at	at	ADP
pipe-0137	232	108	10:58	10:58	NUM
pipe-0137	232	109	am	be	AUX
pipe-0137	232	110	this	this	DET
pipe-0137	232	111	post	post	NOUN
pipe-0137	232	112	is	be	AUX
pipe-0137	232	113	really	really	ADV
pipe-0137	232	114	going	go	VERB
pipe-0137	232	115	to	to	PART
pipe-0137	232	116	come	come	VERB
pipe-0137	232	117	in	in	ADP
pipe-0137	232	118	handy	handy	ADJ
pipe-0137	232	119	for	for	ADP
pipe-0137	232	120	me	i	PRON
pipe-0137	232	121	…	…	PUNCT
pipe-0137	233	1	thanks	thank	NOUN
pipe-0137	233	2	for	for	ADP
pipe-0137	233	3	such	such	DET
pipe-0137	233	4	a	a	DET
pipe-0137	233	5	thoughtful	thoughtful	ADJ
pipe-0137	233	6	(	(	PUNCT
pipe-0137	233	7	and	and	CCONJ
pipe-0137	233	8	readable	readable	ADJ
pipe-0137	233	9	!	!	PUNCT
pipe-0137	233	10	)	)	PUNCT
pipe-0137	233	11	article	article	NOUN
pipe-0137	233	12	.	.	PUNCT
pipe-0137	234	1	i	i	PRON
pipe-0137	234	2	especially	especially	ADV
pipe-0137	234	3	like	like	ADP
pipe-0137	234	4	your	your	PRON
pipe-0137	234	5	comparison	comparison	NOUN
pipe-0137	234	6	to	to	ADP
pipe-0137	234	7	libraries	library	NOUN
pipe-0137	234	8	and	and	CCONJ
pipe-0137	234	9	librarianship	librarianship	NOUN
pipe-0137	234	10	to	to	PART
pipe-0137	234	11	explain	explain	VERB
pipe-0137	234	12	investments	investment	NOUN
pipe-0137	234	13	and	and	CCONJ
pipe-0137	234	14	other	other	ADJ
pipe-0137	234	15	concepts	concept	NOUN
pipe-0137	234	16	.	.	PUNCT
pipe-0137	235	1	i	i	PRON
pipe-0137	235	2	think	think	VERB
pipe-0137	235	3	you	you	PRON
pipe-0137	235	4	’re	’re	VERB
pipe-0137	235	5	right	right	ADJ
pipe-0137	235	6	in	in	ADP
pipe-0137	235	7	that	that	SCONJ
pipe-0137	235	8	we	we	PRON
pipe-0137	235	9	librarians	librarian	VERB
pipe-0137	235	10	generally	generally	ADV
pipe-0137	235	11	are	be	AUX
pipe-0137	235	12	n’t	not	PART
pipe-0137	235	13	great	great	ADJ
pipe-0137	235	14	with	with	ADP
pipe-0137	235	15	personal	personal	ADJ
pipe-0137	235	16	finance	finance	NOUN
pipe-0137	235	17	.	.	PUNCT
pipe-0137	236	1	at	at	ADP
pipe-0137	236	2	least	least	ADJ
pipe-0137	236	3	,	,	PUNCT
pipe-0137	236	4	i	i	PRON
pipe-0137	236	5	have	have	AUX
pipe-0137	236	6	n’t	not	PART
pipe-0137	236	7	seen	see	VERB
pipe-0137	236	8	much	much	ADV
pipe-0137	236	9	or	or	CCONJ
pipe-0137	236	10	heard	hear	VERB
pipe-0137	236	11	much	much	ADJ
pipe-0137	236	12	discussion	discussion	NOUN
pipe-0137	236	13	of	of	ADP
pipe-0137	236	14	it	it	PRON
pipe-0137	236	15	in	in	ADP
pipe-0137	236	16	professional	professional	ADJ
pipe-0137	236	17	circles	circle	NOUN
pipe-0137	236	18	and	and	CCONJ
pipe-0137	236	19	publications	publication	NOUN
pipe-0137	236	20	.	.	PUNCT
pipe-0137	237	1	does	do	AUX
pipe-0137	237	2	it	it	PRON
pipe-0137	237	3	come	come	VERB
pipe-0137	237	4	back	back	ADV
pipe-0137	237	5	to	to	ADP
pipe-0137	237	6	the	the	DET
pipe-0137	237	7	nature	nature	NOUN
pipe-0137	237	8	of	of	ADP
pipe-0137	237	9	our	our	PRON
pipe-0137	237	10	profession	profession	NOUN
pipe-0137	237	11	,	,	PUNCT
pipe-0137	237	12	to	to	PART
pipe-0137	237	13	serve	serve	VERB
pipe-0137	237	14	and	and	CCONJ
pipe-0137	237	15	assist	assist	VERB
pipe-0137	237	16	others	other	NOUN
pipe-0137	237	17	?	?	PUNCT
pipe-0137	238	1	in	in	ADP
pipe-0137	238	2	any	any	DET
pipe-0137	238	3	case	case	NOUN
pipe-0137	238	4	,	,	PUNCT
pipe-0137	238	5	kudos	kudo	NOUN
pipe-0137	238	6	to	to	ADP
pipe-0137	238	7	you	you	PRON
pipe-0137	238	8	and	and	CCONJ
pipe-0137	238	9	thanks	thank	NOUN
pipe-0137	238	10	for	for	ADP
pipe-0137	238	11	kicking	kick	VERB
pipe-0137	238	12	my	my	PRON
pipe-0137	238	13	butt	butt	NOUN
pipe-0137	238	14	in	in	ADP
pipe-0137	238	15	gear	gear	NOUN
pipe-0137	238	16	.	.	PUNCT
pipe-0137	239	1	ellie	ellie	PROPN
pipe-0137	239	2	2009–01–21	2009–01–21	NUM
pipe-0137	239	3	at	at	ADP
pipe-0137	239	4	12:29	12:29	NUM
pipe-0137	239	5	pm	pm	NOUN
pipe-0137	239	6	agreed	agree	VERB
pipe-0137	239	7	,	,	PUNCT
pipe-0137	239	8	thanks	thank	NOUN
pipe-0137	239	9	for	for	ADP
pipe-0137	239	10	this	this	PRON
pipe-0137	239	11	,	,	PUNCT
pipe-0137	239	12	i	i	PRON
pipe-0137	239	13	’ll	’ll	AUX
pipe-0137	239	14	be	be	AUX
pipe-0137	239	15	forwarding	forward	VERB
pipe-0137	239	16	this	this	PRON
pipe-0137	239	17	to	to	ADP
pipe-0137	239	18	our	our	PRON
pipe-0137	239	19	economics	economic	NOUN
pipe-0137	239	20	bibliographer	bibliographer	ADV
pipe-0137	239	21	too	too	ADV
pipe-0137	239	22	.	.	PUNCT
pipe-0137	240	1	carolyn	carolyn	ADJ
pipe-0137	240	2	wood	wood	PROPN
pipe-0137	240	3	2009–01–22	2009–01–22	NUM
pipe-0137	240	4	at	at	ADP
pipe-0137	240	5	6:41	6:41	NUM
pipe-0137	240	6	pm	pm	NOUN
pipe-0137	240	7	thank	thank	VERB
pipe-0137	240	8	you	you	PRON
pipe-0137	240	9	for	for	ADP
pipe-0137	240	10	the	the	DET
pipe-0137	240	11	refresher	refresher	PROPN
pipe-0137	240	12	!	!	PUNCT
pipe-0137	241	1	the	the	DET
pipe-0137	241	2	importance	importance	NOUN
pipe-0137	241	3	of	of	ADP
pipe-0137	241	4	financial	financial	ADJ
pipe-0137	241	5	literacy	literacy	NOUN
pipe-0137	241	6	in	in	ADP
pipe-0137	241	7	today	today	NOUN
pipe-0137	241	8	’s	’s	PART
pipe-0137	241	9	economic	economic	ADJ
pipe-0137	241	10	climate	climate	NOUN
pipe-0137	241	11	is	be	AUX
pipe-0137	241	12	worthy	worthy	ADJ
pipe-0137	241	13	of	of	ADP
pipe-0137	241	14	the	the	DET
pipe-0137	241	15	profession	profession	NOUN
pipe-0137	241	16	’s	’s	PART
pipe-0137	241	17	time	time	NOUN
pipe-0137	241	18	and	and	CCONJ
pipe-0137	241	19	talent	talent	NOUN
pipe-0137	241	20	in	in	ADP
pipe-0137	241	21	my	my	PRON
pipe-0137	241	22	opinion	opinion	NOUN
pipe-0137	241	23	.	.	PUNCT
pipe-0137	242	1	programming	programming	NOUN
pipe-0137	242	2	partnerships	partnership	NOUN
pipe-0137	242	3	may	may	AUX
pipe-0137	242	4	provide	provide	VERB
pipe-0137	242	5	a	a	DET
pipe-0137	242	6	cost	cost	NOUN
pipe-0137	242	7	-	-	PUNCT
pipe-0137	242	8	effective	effective	ADJ
pipe-0137	242	9	first	first	ADJ
pipe-0137	242	10	step	step	NOUN
pipe-0137	242	11	in	in	ADP
pipe-0137	242	12	public	public	ADJ
pipe-0137	242	13	and	and	CCONJ
pipe-0137	242	14	academic	academic	ADJ
pipe-0137	242	15	libraries	library	NOUN
pipe-0137	242	16	.	.	PUNCT
pipe-0137	243	1	i	i	PRON
pipe-0137	243	2	also	also	ADV
pipe-0137	243	3	visualize	visualize	VERB
pipe-0137	243	4	an	an	DET
pipe-0137	243	5	opportunity	opportunity	NOUN
pipe-0137	243	6	to	to	PART
pipe-0137	243	7	increase	increase	VERB
pipe-0137	243	8	financial	financial	ADJ
pipe-0137	243	9	literacy	literacy	NOUN
pipe-0137	243	10	for	for	ADP
pipe-0137	243	11	teen	teen	NOUN
pipe-0137	243	12	through	through	ADP
pipe-0137	243	13	some	some	DET
pipe-0137	243	14	type	type	NOUN
pipe-0137	243	15	of	of	ADP
pipe-0137	243	16	financial	financial	ADJ
pipe-0137	243	17	literacy	literacy	NOUN
pipe-0137	243	18	portal	portal	NOUN
pipe-0137	243	19	.	.	PUNCT
pipe-0137	244	1	this	this	DET
pipe-0137	244	2	work	work	NOUN
pipe-0137	244	3	is	be	AUX
pipe-0137	244	4	licensed	license	VERB
pipe-0137	244	5	under	under	ADP
pipe-0137	244	6	a	a	DET
pipe-0137	244	7	cc	cc	PROPN
pipe-0137	244	8	attribution	attribution	NOUN
pipe-0137	244	9	4.0	4.0	NUM
pipe-0137	244	10	license	license	NOUN
pipe-0137	244	11	.	.	PUNCT
pipe-0137	245	1	issn	issn	ADJ
pipe-0137	245	2	1944	1944	NUM
pipe-0137	245	3	-	-	SYM
pipe-0137	245	4	6195	6195	NUM
pipe-0137	245	5	.	.	PUNCT
pipe-0137	246	1	about	about	ADP
pipe-0137	246	2	this	this	DET
pipe-0137	246	3	journal	journal	NOUN
pipe-0137	246	4	|	|	NOUN
pipe-0137	246	5	archives	archive	VERB
pipe-0137	246	6	|	|	NOUN
pipe-0137	246	7	submissions	submission	NOUN
pipe-0137	246	8	|	|	NOUN
pipe-0137	246	9	conduct	conduct	NOUN