id sid tid token lemma pos crln-9067 1 1 feb14_b.indd feb14_b.indd PROPN crln-9067 1 2 c&rl c&rl PROPN crln-9067 1 3 news news PROPN crln-9067 1 4 february february PROPN crln-9067 1 5 2014 2014 NUM crln-9067 1 6 66 66 NUM crln-9067 1 7 acrl acrl ADJ crln-9067 1 8 president president PROPN crln-9067 1 9 trevor trevor PROPN crln-9067 1 10 a. a. PROPN crln-9067 1 11 dawes dawes PROPN crln-9067 1 12 ’ ' PUNCT crln-9067 1 13 note note NOUN crln-9067 1 14 : : PUNCT crln-9067 1 15 my my PRON crln-9067 1 16 work work NOUN crln-9067 1 17 in in ADP crln-9067 1 18 promoting promote VERB crln-9067 1 19 financial financial ADJ crln-9067 1 20 literacy literacy NOUN crln-9067 1 21 through through ADP crln-9067 1 22 acrl acrl ADJ crln-9067 1 23 this this DET crln-9067 1 24 year year NOUN crln-9067 1 25 has have AUX crln-9067 1 26 created create VERB crln-9067 1 27 the the DET crln-9067 1 28 opportunity opportunity NOUN crln-9067 1 29 for for SCONJ crln-9067 1 30 me i PRON crln-9067 1 31 to to PART crln-9067 1 32 meet meet VERB crln-9067 1 33 and and CCONJ crln-9067 1 34 work work VERB crln-9067 1 35 with with ADP crln-9067 1 36 colleagues colleague NOUN crln-9067 1 37 at at ADP crln-9067 1 38 the the DET crln-9067 1 39 st st PROPN crln-9067 1 40 . . PROPN crln-9067 1 41 louis louis PROPN crln-9067 1 42 federal federal PROPN crln-9067 1 43 reserve reserve PROPN crln-9067 1 44 bank bank PROPN crln-9067 1 45 . . PUNCT crln-9067 2 1 the the DET crln-9067 2 2 bank bank NOUN crln-9067 2 3 offers offer VERB crln-9067 2 4 professional professional ADJ crln-9067 2 5 development development NOUN crln-9067 2 6 opportunities opportunity NOUN crln-9067 2 7 for for ADP crln-9067 2 8 educators educator NOUN crln-9067 2 9 and and CCONJ crln-9067 2 10 , , PUNCT crln-9067 2 11 i i PRON crln-9067 2 12 believe believe VERB crln-9067 2 13 , , PUNCT crln-9067 2 14 they they PRON crln-9067 2 15 can can AUX crln-9067 2 16 do do VERB crln-9067 2 17 likewise likewise ADV crln-9067 2 18 for for ADP crln-9067 2 19 librarians librarian NOUN crln-9067 2 20 who who PRON crln-9067 2 21 would would AUX crln-9067 2 22 benefit benefit VERB crln-9067 2 23 from from ADP crln-9067 2 24 learning learn VERB crln-9067 2 25 more more ADJ crln-9067 2 26 about about ADP crln-9067 2 27 economics economic NOUN crln-9067 2 28 , , PUNCT crln-9067 2 29 personal personal ADJ crln-9067 2 30 finance finance NOUN crln-9067 2 31 , , PUNCT crln-9067 2 32 and and CCONJ crln-9067 2 33 active active ADJ crln-9067 2 34 learning learning NOUN crln-9067 2 35 techniques technique NOUN crln-9067 2 36 to to PART crln-9067 2 37 enhance enhance VERB crln-9067 2 38 the the DET crln-9067 2 39 already already ADV crln-9067 2 40 substantial substantial ADJ crln-9067 2 41 service service NOUN crln-9067 2 42 that that PRON crln-9067 2 43 libraries librarie VERB crln-9067 2 44 provide provide VERB crln-9067 2 45 . . PUNCT crln-9067 3 1 it it PRON crln-9067 3 2 has have AUX crln-9067 3 3 been be AUX crln-9067 3 4 an an DET crln-9067 3 5 eye eye NOUN crln-9067 3 6 - - PUNCT crln-9067 3 7 opening open VERB crln-9067 3 8 experience experience NOUN crln-9067 3 9 for for SCONJ crln-9067 3 10 me i PRON crln-9067 3 11 to to PART crln-9067 3 12 learn learn VERB crln-9067 3 13 about about ADP crln-9067 3 14 the the DET crln-9067 3 15 wealth wealth NOUN crln-9067 3 16 of of ADP crln-9067 3 17 educational educational ADJ crln-9067 3 18 resources resource NOUN crln-9067 3 19 offered offer VERB crln-9067 3 20 at at ADP crln-9067 3 21 the the DET crln-9067 3 22 st st PROPN crln-9067 3 23 . . PROPN crln-9067 3 24 louis louis PROPN crln-9067 3 25 fed fed PROPN crln-9067 3 26 and and CCONJ crln-9067 3 27 therefore therefore ADV crln-9067 3 28 i i PRON crln-9067 3 29 asked ask VERB crln-9067 3 30 katrina katrina PROPN crln-9067 3 31 stierholz stierholz PROPN crln-9067 3 32 and and CCONJ crln-9067 3 33 mary mary PROPN crln-9067 3 34 suiter suiter NOUN crln-9067 3 35 to to PART crln-9067 3 36 write write VERB crln-9067 3 37 this this DET crln-9067 3 38 month month NOUN crln-9067 3 39 ’s ’s PART crln-9067 3 40 column column NOUN crln-9067 3 41 to to PART crln-9067 3 42 briefly briefly ADV crln-9067 3 43 describe describe VERB crln-9067 3 44 their their PRON crln-9067 3 45 offerings offering NOUN crln-9067 3 46 . . PUNCT crln-9067 4 1 you you PRON crln-9067 4 2 can can AUX crln-9067 4 3 learn learn VERB crln-9067 4 4 more more ADJ crln-9067 4 5 about about ADP crln-9067 4 6 the the DET crln-9067 4 7 personal personal ADJ crln-9067 4 8 finance finance NOUN crln-9067 4 9 educational educational ADJ crln-9067 4 10 programs program NOUN crln-9067 4 11 at at ADP crln-9067 4 12 the the DET crln-9067 4 13 st st PROPN crln-9067 4 14 . . PROPN crln-9067 4 15 louis louis PROPN crln-9067 4 16 fed feed VERB crln-9067 4 17 by by ADP crln-9067 4 18 visiting visit VERB crln-9067 4 19 their their PRON crln-9067 4 20 website website NOUN crln-9067 4 21 at at ADP crln-9067 4 22 www.stlouisfed.org/education_resources/. www.stlouisfed.org/education_resources/. NOUN crln-9067 4 23 trevor trevor NOUN crln-9067 4 24 dawes dawe NOUN crln-9067 4 25 , , PUNCT crln-9067 4 26 as as ADP crln-9067 4 27 president president NOUN crln-9067 4 28 of of ADP crln-9067 4 29 acrl acrl ADJ crln-9067 4 30 , , PUNCT crln-9067 4 31 is be AUX crln-9067 4 32 pursuing pursue VERB crln-9067 4 33 a a DET crln-9067 4 34 financial financial ADJ crln-9067 4 35 literacy literacy NOUN crln-9067 4 36 initiative initiative NOUN crln-9067 4 37 . . PUNCT crln-9067 5 1 we we PRON crln-9067 5 2 saw see VERB crln-9067 5 3 a a DET crln-9067 5 4 role role NOUN crln-9067 5 5 for for ADP crln-9067 5 6 the the DET crln-9067 5 7 st st PROPN crln-9067 5 8 . . PROPN crln-9067 5 9 louis louis PROPN crln-9067 5 10 federal federal PROPN crln-9067 5 11 reserve reserve PROPN crln-9067 5 12 bank bank PROPN crln-9067 5 13 and and CCONJ crln-9067 5 14 contacted contact VERB crln-9067 5 15 him he PRON crln-9067 5 16 to to PART crln-9067 5 17 discuss discuss VERB crln-9067 5 18 how how SCONJ crln-9067 5 19 we we PRON crln-9067 5 20 could could AUX crln-9067 5 21 help help VERB crln-9067 5 22 . . PUNCT crln-9067 6 1 the the DET crln-9067 6 2 st st PROPN crln-9067 6 3 . . PROPN crln-9067 6 4 louis louis PROPN crln-9067 6 5 fed fed PROPN crln-9067 6 6 has have VERB crln-9067 6 7 a a DET crln-9067 6 8 long long ADJ crln-9067 6 9 history history NOUN crln-9067 6 10 of of ADP crln-9067 6 11 providing provide VERB crln-9067 6 12 the the DET crln-9067 6 13 public public NOUN crln-9067 6 14 with with ADP crln-9067 6 15 economic economic ADJ crln-9067 6 16 and and CCONJ crln-9067 6 17 financial financial ADJ crln-9067 6 18 information information NOUN crln-9067 6 19 . . PUNCT crln-9067 7 1 web web NOUN crln-9067 7 2 - - PUNCT crln-9067 7 3 based base VERB crln-9067 7 4 data datum NOUN crln-9067 7 5 and and CCONJ crln-9067 7 6 information information NOUN crln-9067 7 7 services service NOUN crln-9067 7 8 include include VERB crln-9067 7 9 fred fred PROPN crln-9067 7 10 , , PUNCT crln-9067 7 11 fraser fraser PROPN crln-9067 7 12 , , PUNCT crln-9067 7 13 and and CCONJ crln-9067 7 14 repec repec PROPN crln-9067 7 15 . . PUNCT crln-9067 8 1 academic academic PROPN crln-9067 8 2 librarians librarians PROPN crln-9067 8 3 , , PUNCT crln-9067 8 4 particularly particularly ADV crln-9067 8 5 those those PRON crln-9067 8 6 who who PRON crln-9067 8 7 specialize specialize VERB crln-9067 8 8 in in ADP crln-9067 8 9 social social ADJ crln-9067 8 10 sciences science NOUN crln-9067 8 11 , , PUNCT crln-9067 8 12 are be AUX crln-9067 8 13 probably probably ADV crln-9067 8 14 familiar familiar ADJ crln-9067 8 15 with with ADP crln-9067 8 16 fred fred PROPN crln-9067 8 17 ’s ’s NOUN crln-9067 8 18 collection collection NOUN crln-9067 8 19 of of ADP crln-9067 8 20 data datum NOUN crln-9067 8 21 and and CCONJ crln-9067 8 22 data datum NOUN crln-9067 8 23 tools tool NOUN crln-9067 8 24 , , PUNCT crln-9067 8 25 fraser fraser PROPN crln-9067 8 26 ’s ’s PART crln-9067 8 27 searchable searchable ADJ crln-9067 8 28 digital digital ADJ crln-9067 8 29 library library NOUN crln-9067 8 30 of of ADP crln-9067 8 31 historical historical ADJ crln-9067 8 32 material material NOUN crln-9067 8 33 , , PUNCT crln-9067 8 34 and and CCONJ crln-9067 8 35 repec repec PROPN crln-9067 8 36 ’s ’s PART crln-9067 8 37 vast vast ADJ crln-9067 8 38 economic economic ADJ crln-9067 8 39 working work VERB crln-9067 8 40 paper paper NOUN crln-9067 8 41 resources resource NOUN crln-9067 8 42 . . PUNCT crln-9067 9 1 however however ADV crln-9067 9 2 , , PUNCT crln-9067 9 3 librarians librarians PROPN crln-9067 9 4 may may AUX crln-9067 9 5 not not PART crln-9067 9 6 be be AUX crln-9067 9 7 aware aware ADJ crln-9067 9 8 of of ADP crln-9067 9 9 the the DET crln-9067 9 10 st st PROPN crln-9067 9 11 . . PROPN crln-9067 9 12 louis louis PROPN crln-9067 9 13 fed fed PROPN crln-9067 9 14 ’s ’s PART crln-9067 9 15 incredible incredible ADJ crln-9067 9 16 array array NOUN crln-9067 9 17 of of ADP crln-9067 9 18 resources resource NOUN crln-9067 9 19 for for ADP crln-9067 9 20 economic economic ADJ crln-9067 9 21 and and CCONJ crln-9067 9 22 financial financial ADJ crln-9067 9 23 education education NOUN crln-9067 9 24 and and CCONJ crln-9067 9 25 professional professional ADJ crln-9067 9 26 development development NOUN crln-9067 9 27 . . PUNCT crln-9067 10 1 content content NOUN crln-9067 10 2 and and CCONJ crln-9067 10 3 mission mission NOUN crln-9067 10 4 through through ADP crln-9067 10 5 its its PRON crln-9067 10 6 economic economic ADJ crln-9067 10 7 education education NOUN crln-9067 10 8 group group NOUN crln-9067 10 9 , , PUNCT crln-9067 10 10 the the DET crln-9067 10 11 st st PROPN crln-9067 10 12 . . PROPN crln-9067 10 13 louis louis PROPN crln-9067 10 14 fed fed PROPN crln-9067 10 15 provides provide VERB crln-9067 10 16 online online ADJ crln-9067 10 17 lessons lesson NOUN crln-9067 10 18 , , PUNCT crln-9067 10 19 courses course NOUN crln-9067 10 20 , , PUNCT crln-9067 10 21 videos video NOUN crln-9067 10 22 , , PUNCT crln-9067 10 23 podcasts podcast NOUN crln-9067 10 24 , , PUNCT crln-9067 10 25 and and CCONJ crln-9067 10 26 printable printable ADJ crln-9067 10 27 lesson lesson NOUN crln-9067 10 28 plans plan NOUN crln-9067 10 29 on on ADP crln-9067 10 30 many many ADJ crln-9067 10 31 economic economic ADJ crln-9067 10 32 topics topic NOUN crln-9067 10 33 , , PUNCT crln-9067 10 34 including include VERB crln-9067 10 35 personal personal ADJ crln-9067 10 36 finance.1 finance.1 NOUN crln-9067 10 37 our our PRON crln-9067 10 38 economic economic ADJ crln-9067 10 39 educators educator NOUN crln-9067 10 40 select select VERB crln-9067 10 41 the the DET crln-9067 10 42 most most ADV crln-9067 10 43 relevant relevant ADJ crln-9067 10 44 issues issue NOUN crln-9067 10 45 and and CCONJ crln-9067 10 46 often often ADV crln-9067 10 47 target target VERB crln-9067 10 48 the the DET crln-9067 10 49 content content NOUN crln-9067 10 50 to to ADP crln-9067 10 51 the the DET crln-9067 10 52 needs need NOUN crln-9067 10 53 of of ADP crln-9067 10 54 specific specific ADJ crln-9067 10 55 groups group NOUN crln-9067 10 56 . . PUNCT crln-9067 11 1 for for ADP crln-9067 11 2 example example NOUN crln-9067 11 3 , , PUNCT crln-9067 11 4 for for ADP crln-9067 11 5 those those PRON crln-9067 11 6 considering consider VERB crln-9067 11 7 college college NOUN crln-9067 11 8 ( ( PUNCT crln-9067 11 9 or or CCONJ crln-9067 11 10 early early ADV crln-9067 11 11 in in ADP crln-9067 11 12 their their PRON crln-9067 11 13 college college NOUN crln-9067 11 14 career career NOUN crln-9067 11 15 ) ) PUNCT crln-9067 11 16 we we PRON crln-9067 11 17 offer offer VERB crln-9067 11 18 an an DET crln-9067 11 19 infographic infographic NOUN crln-9067 11 20 with with ADP crln-9067 11 21 a a DET crln-9067 11 22 decision decision NOUN crln-9067 11 23 tree tree NOUN crln-9067 11 24 on on ADP crln-9067 11 25 paying pay VERB crln-9067 11 26 for for ADP crln-9067 11 27 college college NOUN crln-9067 11 28 and and CCONJ crln-9067 11 29 choosing choose VERB crln-9067 11 30 a a DET crln-9067 11 31 career career NOUN crln-9067 11 32 . . PUNCT crln-9067 12 1 the the DET crln-9067 12 2 infographic infographic ADJ crln-9067 12 3 features feature NOUN crln-9067 12 4 embedded embed VERB crln-9067 12 5 links link NOUN crln-9067 12 6 and and CCONJ crln-9067 12 7 tools tool NOUN crln-9067 12 8 with with ADP crln-9067 12 9 further further ADJ crln-9067 12 10 information information NOUN crln-9067 12 11 ( ( PUNCT crln-9067 12 12 e.g. e.g. ADV crln-9067 12 13 , , PUNCT crln-9067 12 14 katrina katrina PROPN crln-9067 12 15 stierholz stierholz PROPN crln-9067 12 16 and and CCONJ crln-9067 12 17 mary mary PROPN crln-9067 12 18 suiter suiter VERB crln-9067 12 19 the the DET crln-9067 12 20 st st PROPN crln-9067 12 21 . . PROPN crln-9067 12 22 louis louis PROPN crln-9067 12 23 fed fed PROPN crln-9067 12 24 offers offer VERB crln-9067 12 25 economic economic ADJ crln-9067 12 26 and and CCONJ crln-9067 12 27 financial financial ADJ crln-9067 12 28 education education NOUN crln-9067 12 29 resources resource NOUN crln-9067 12 30 for for ADP crln-9067 12 31 librarians librarians PROPN crln-9067 12 32 libraries library NOUN crln-9067 12 33 and and CCONJ crln-9067 12 34 financial financial ADJ crln-9067 12 35 literacy literacy NOUN crln-9067 12 36 education education NOUN crln-9067 12 37 katrina katrina PROPN crln-9067 12 38 stierholz stierholz PROPN crln-9067 12 39 is be AUX crln-9067 12 40 assistant assistant ADJ crln-9067 12 41 vice vice NOUN crln-9067 12 42 president president NOUN crln-9067 12 43 , , PUNCT crln-9067 12 44 responsible responsible ADJ crln-9067 12 45 for for ADP crln-9067 12 46 information information NOUN crln-9067 12 47 services service NOUN crln-9067 12 48 , , PUNCT crln-9067 12 49 e e NOUN crln-9067 12 50 - - NOUN crln-9067 12 51 mail mail NOUN crln-9067 12 52 : : PUNCT crln-9067 12 53 katrina.l.stierholz@ katrina.l.stierholz@ PROPN crln-9067 12 54 stls.frb.org stls.frb.org PROPN crln-9067 12 55 , , PUNCT crln-9067 12 56 and and CCONJ crln-9067 12 57 mary mary PROPN crln-9067 12 58 suiter suiter NOUN crln-9067 12 59 is be AUX crln-9067 12 60 assistant assistant ADJ crln-9067 12 61 vice vice NOUN crln-9067 12 62 president president NOUN crln-9067 12 63 , , PUNCT crln-9067 12 64 responsible responsible ADJ crln-9067 12 65 for for ADP crln-9067 12 66 economic economic ADJ crln-9067 12 67 education education NOUN crln-9067 12 68 , , PUNCT crln-9067 12 69 at at ADP crln-9067 12 70 the the DET crln-9067 12 71 federal federal PROPN crln-9067 12 72 reserve reserve PROPN crln-9067 12 73 bank bank PROPN crln-9067 12 74 of of ADP crln-9067 12 75 st st PROPN crln-9067 12 76 . . PROPN crln-9067 12 77 louis louis PROPN crln-9067 12 78 , , PUNCT crln-9067 12 79 e e NOUN crln-9067 12 80 - - NOUN crln-9067 12 81 mail mail NOUN crln-9067 12 82 : : PUNCT crln-9067 12 83 mary.c.suiter@stls mary.c.suiter@stls PROPN crln-9067 12 84 . . PUNCT crln-9067 13 1 frb.org frb.org ADJ crln-9067 13 2 © © PROPN crln-9067 13 3 2014 2014 NUM crln-9067 13 4 katrina katrina PROPN crln-9067 13 5 stierholz stierholz PROPN crln-9067 13 6 and and CCONJ crln-9067 13 7 mary mary PROPN crln-9067 13 8 suiter suiter PROPN crln-9067 13 9 february february PROPN crln-9067 13 10 2014 2014 NUM crln-9067 13 11 67 67 NUM crln-9067 13 12 c&rl c&rl PROPN crln-9067 13 13 news news NOUN crln-9067 13 14 how how SCONJ crln-9067 13 15 to to PART crln-9067 13 16 fill fill VERB crln-9067 13 17 out out ADP crln-9067 13 18 a a DET crln-9067 13 19 free free ADJ crln-9067 13 20 application application NOUN crln-9067 13 21 for for ADP crln-9067 13 22 federal federal ADJ crln-9067 13 23 student student NOUN crln-9067 13 24 aid aid NOUN crln-9067 13 25 ) ) PUNCT crln-9067 13 26 . . PUNCT crln-9067 14 1 because because SCONJ crln-9067 14 2 libraries library NOUN crln-9067 14 3 are be AUX crln-9067 14 4 key key ADJ crln-9067 14 5 providers provider NOUN crln-9067 14 6 of of ADP crln-9067 14 7 educational educational ADJ crln-9067 14 8 material material NOUN crln-9067 14 9 , , PUNCT crln-9067 14 10 it it PRON crln-9067 14 11 is be AUX crln-9067 14 12 our our PRON crln-9067 14 13 belief belief NOUN crln-9067 14 14 that that SCONJ crln-9067 14 15 librarians librarian NOUN crln-9067 14 16 are be AUX crln-9067 14 17 already already ADV crln-9067 14 18 well well ADV crln-9067 14 19 positioned position VERB crln-9067 14 20 to to PART crln-9067 14 21 serve serve VERB crln-9067 14 22 as as ADP crln-9067 14 23 educators educator NOUN crln-9067 14 24 themselves themselves PRON crln-9067 14 25 . . PUNCT crln-9067 15 1 when when SCONJ crln-9067 15 2 librarians librarian NOUN crln-9067 15 3 are be AUX crln-9067 15 4 themselves themselves PRON crln-9067 15 5 informed inform VERB crln-9067 15 6 about about ADP crln-9067 15 7 relevant relevant ADJ crln-9067 15 8 issues issue NOUN crln-9067 15 9 and and CCONJ crln-9067 15 10 resources resource NOUN crln-9067 15 11 — — PUNCT crln-9067 15 12 in in ADP crln-9067 15 13 this this DET crln-9067 15 14 case case NOUN crln-9067 15 15 , , PUNCT crln-9067 15 16 in in ADP crln-9067 15 17 the the DET crln-9067 15 18 fields field NOUN crln-9067 15 19 of of ADP crln-9067 15 20 economics economic NOUN crln-9067 15 21 and and CCONJ crln-9067 15 22 personal personal ADJ crln-9067 15 23 finance finance NOUN crln-9067 15 24 — — PUNCT crln-9067 15 25 and and CCONJ crln-9067 15 26 provided provide VERB crln-9067 15 27 with with ADP crln-9067 15 28 high high ADJ crln-9067 15 29 - - PUNCT crln-9067 15 30 quality quality NOUN crln-9067 15 31 educational educational ADJ crln-9067 15 32 materials material NOUN crln-9067 15 33 , , PUNCT crln-9067 15 34 the the DET crln-9067 15 35 library library NOUN crln-9067 15 36 is be AUX crln-9067 15 37 ready ready ADJ crln-9067 15 38 to to PART crln-9067 15 39 serve serve VERB crln-9067 15 40 its its PRON crln-9067 15 41 students student NOUN crln-9067 15 42 . . PUNCT crln-9067 16 1 students student NOUN crln-9067 16 2 , , PUNCT crln-9067 16 3 in in ADP crln-9067 16 4 turn turn NOUN crln-9067 16 5 , , PUNCT crln-9067 16 6 benefit benefit VERB crln-9067 16 7 greatly greatly ADV crln-9067 16 8 from from ADP crln-9067 16 9 learning learn VERB crln-9067 16 10 more more ADJ crln-9067 16 11 about about ADP crln-9067 16 12 the the DET crln-9067 16 13 economy economy NOUN crln-9067 16 14 in in ADP crln-9067 16 15 which which PRON crln-9067 16 16 they they PRON crln-9067 16 17 live live VERB crln-9067 16 18 and and CCONJ crln-9067 16 19 about about ADP crln-9067 16 20 how how SCONJ crln-9067 16 21 to to PART crln-9067 16 22 better well ADV crln-9067 16 23 manage manage VERB crln-9067 16 24 financial financial ADJ crln-9067 16 25 resources resource NOUN crln-9067 16 26 . . PUNCT crln-9067 17 1 and and CCONJ crln-9067 17 2 the the DET crln-9067 17 3 need need NOUN crln-9067 17 4 for for ADP crln-9067 17 5 this this DET crln-9067 17 6 type type NOUN crln-9067 17 7 of of ADP crln-9067 17 8 education education NOUN crln-9067 17 9 is be AUX crln-9067 17 10 great great ADJ crln-9067 17 11 . . PUNCT crln-9067 18 1 one one NUM crln-9067 18 2 current current ADJ crln-9067 18 3 issue issue NOUN crln-9067 18 4 of of ADP crln-9067 18 5 concern concern NOUN crln-9067 18 6 is be AUX crln-9067 18 7 the the DET crln-9067 18 8 more more ADJ crln-9067 18 9 than than ADP crln-9067 18 10 $ $ SYM crln-9067 18 11 1 1 NUM crln-9067 18 12 trillion trillion NUM crln-9067 18 13 in in ADP crln-9067 18 14 outstanding outstanding ADJ crln-9067 18 15 student student NOUN crln-9067 18 16 loan loan NOUN crln-9067 18 17 debt debt NOUN crln-9067 18 18 . . PUNCT crln-9067 19 1 the the DET crln-9067 19 2 st st PROPN crln-9067 19 3 . . PROPN crln-9067 19 4 louis louis PROPN crln-9067 19 5 fed fed PROPN crln-9067 19 6 can can AUX crln-9067 19 7 offer offer VERB crln-9067 19 8 libraries librarie VERB crln-9067 19 9 materials material NOUN crln-9067 19 10 and and CCONJ crln-9067 19 11 support support NOUN crln-9067 19 12 to to PART crln-9067 19 13 confidently confidently ADV crln-9067 19 14 lead lead VERB crln-9067 19 15 students student NOUN crln-9067 19 16 to to ADP crln-9067 19 17 answers answer NOUN crln-9067 19 18 to to ADP crln-9067 19 19 their their PRON crln-9067 19 20 questions question NOUN crln-9067 19 21 on on ADP crln-9067 19 22 this this DET crln-9067 19 23 issues issue NOUN crln-9067 19 24 . . PUNCT crln-9067 20 1 we we PRON crln-9067 20 2 have have VERB crln-9067 20 3 videos video NOUN crln-9067 20 4 that that PRON crln-9067 20 5 explain explain VERB crln-9067 20 6 financial financial ADJ crln-9067 20 7 aid aid NOUN crln-9067 20 8 — — PUNCT crln-9067 20 9 grants grant NOUN crln-9067 20 10 , , PUNCT crln-9067 20 11 scholarships scholarship NOUN crln-9067 20 12 , , PUNCT crln-9067 20 13 and and CCONJ crln-9067 20 14 work work NOUN crln-9067 20 15 study study NOUN crln-9067 20 16 ; ; PUNCT crln-9067 20 17 articles article NOUN crln-9067 20 18 on on ADP crln-9067 20 19 student student NOUN crln-9067 20 20 loan loan NOUN crln-9067 20 21 debt debt NOUN crln-9067 20 22 ; ; PUNCT crln-9067 20 23 online online ADJ crln-9067 20 24 courses course NOUN crln-9067 20 25 on on ADP crln-9067 20 26 establishing establish VERB crln-9067 20 27 and and CCONJ crln-9067 20 28 maintaining maintain VERB crln-9067 20 29 credit credit NOUN crln-9067 20 30 ; ; PUNCT crln-9067 20 31 and and CCONJ crln-9067 20 32 more more ADJ crln-9067 20 33 . . PUNCT crln-9067 21 1 universities university NOUN crln-9067 21 2 are be AUX crln-9067 21 3 also also ADV crln-9067 21 4 beginning begin VERB crln-9067 21 5 to to PART crln-9067 21 6 get get VERB crln-9067 21 7 on on ADP crln-9067 21 8 board board NOUN crln-9067 21 9 with with ADP crln-9067 21 10 financial financial ADJ crln-9067 21 11 literacy literacy NOUN crln-9067 21 12 programs program NOUN crln-9067 21 13 ; ; PUNCT crln-9067 21 14 their their PRON crln-9067 21 15 libraries library NOUN crln-9067 21 16 are be AUX crln-9067 21 17 the the DET crln-9067 21 18 logical logical ADJ crln-9067 21 19 place place NOUN crln-9067 21 20 for for ADP crln-9067 21 21 identifying identify VERB crln-9067 21 22 , , PUNCT crln-9067 21 23 collecting collecting NOUN crln-9067 21 24 , , PUNCT crln-9067 21 25 organizing organizing NOUN crln-9067 21 26 , , PUNCT crln-9067 21 27 and and CCONJ crln-9067 21 28 providing provide VERB crln-9067 21 29 access access NOUN crln-9067 21 30 to to ADP crln-9067 21 31 these these DET crln-9067 21 32 financial financial ADJ crln-9067 21 33 education education NOUN crln-9067 21 34 tools tool NOUN crln-9067 21 35 . . PUNCT crln-9067 22 1 resources resource VERB crln-9067 22 2 a a DET crln-9067 22 3 sample sample NOUN crln-9067 22 4 of of ADP crln-9067 22 5 the the DET crln-9067 22 6 st st PROPN crln-9067 22 7 . . PROPN crln-9067 22 8 louis louis PROPN crln-9067 22 9 fed fed PROPN crln-9067 22 10 ’s ’s PART crln-9067 22 11 econlowdown econlowdown NOUN crln-9067 22 12 resources resource NOUN crln-9067 22 13 for for ADP crln-9067 22 14 personal personal ADJ crln-9067 22 15 finance finance NOUN crln-9067 22 16 and and CCONJ crln-9067 22 17 more more ADJ crln-9067 22 18 include include VERB crln-9067 22 19 : : PUNCT crln-9067 22 20 • • PROPN crln-9067 22 21 personal personal ADJ crln-9067 22 22 finance finance NOUN crln-9067 22 23 101 101 NUM crln-9067 22 24 simulated simulate VERB crln-9067 22 25 instant instant ADJ crln-9067 22 26 message message NOUN crln-9067 22 27 sessions session NOUN crln-9067 22 28 that that PRON crln-9067 22 29 explain explain VERB crln-9067 22 30 w-4s w-4s NOUN crln-9067 22 31 , , PUNCT crln-9067 22 32 tax tax NOUN crln-9067 22 33 forms form NOUN crln-9067 22 34 , , PUNCT crln-9067 22 35 credit credit NOUN crln-9067 22 36 cards card NOUN crln-9067 22 37 , , PUNCT crln-9067 22 38 payday payday NOUN crln-9067 22 39 loans loan NOUN crln-9067 22 40 , , PUNCT crln-9067 22 41 prepaid prepaid ADJ crln-9067 22 42 debit debit NOUN crln-9067 22 43 cards card NOUN crln-9067 22 44 , , PUNCT crln-9067 22 45 and and CCONJ crln-9067 22 46 car car NOUN crln-9067 22 47 insurance insurance NOUN crln-9067 22 48 . . PUNCT crln-9067 23 1 conversations conversation NOUN crln-9067 23 2 are be AUX crln-9067 23 3 short short ADJ crln-9067 23 4 videos video NOUN crln-9067 23 5 that that PRON crln-9067 23 6 explain explain VERB crln-9067 23 7 how how SCONJ crln-9067 23 8 to to PART crln-9067 23 9 fill fill VERB crln-9067 23 10 out out ADP crln-9067 23 11 a a DET crln-9067 23 12 fafsa fafsa ADJ crln-9067 23 13 form form NOUN crln-9067 23 14 ; ; PUNCT crln-9067 23 15 the the DET crln-9067 23 16 ins in NOUN crln-9067 23 17 and and CCONJ crln-9067 23 18 outs out NOUN crln-9067 23 19 of of ADP crln-9067 23 20 financing finance VERB crln-9067 23 21 college college NOUN crln-9067 23 22 through through ADP crln-9067 23 23 loans loan NOUN crln-9067 23 24 , , PUNCT crln-9067 23 25 grants grant NOUN crln-9067 23 26 , , PUNCT crln-9067 23 27 and and CCONJ crln-9067 23 28 work work NOUN crln-9067 23 29 - - PUNCT crln-9067 23 30 study study NOUN crln-9067 23 31 ; ; PUNCT crln-9067 23 32 and and CCONJ crln-9067 23 33 choosing choose VERB crln-9067 23 34 a a DET crln-9067 23 35 college college NOUN crln-9067 23 36 by by ADP crln-9067 23 37 considering consider VERB crln-9067 23 38 return return NOUN crln-9067 23 39 on on ADP crln-9067 23 40 investment investment NOUN crln-9067 23 41 . . PUNCT crln-9067 24 1 financial financial ADJ crln-9067 24 2 forms form NOUN crln-9067 24 3 explained explain VERB crln-9067 24 4 allow allow VERB crln-9067 24 5 users user NOUN crln-9067 24 6 to to PART crln-9067 24 7 mouse mouse NOUN crln-9067 24 8 - - PUNCT crln-9067 24 9 over over ADP crln-9067 24 10 sections section NOUN crln-9067 24 11 on on ADP crln-9067 24 12 forms form NOUN crln-9067 24 13 to to PART crln-9067 24 14 learn learn VERB crln-9067 24 15 what what PRON crln-9067 24 16 the the DET crln-9067 24 17 section section NOUN crln-9067 24 18 requires require VERB crln-9067 24 19 or or CCONJ crln-9067 24 20 to to PART crln-9067 24 21 better well ADV crln-9067 24 22 understand understand VERB crln-9067 24 23 the the DET crln-9067 24 24 information information NOUN crln-9067 24 25 provided provide VERB crln-9067 24 26 . . PUNCT crln-9067 25 1 forms form NOUN crln-9067 25 2 include include VERB crln-9067 25 3 a a DET crln-9067 25 4 credit credit NOUN crln-9067 25 5 card card NOUN crln-9067 25 6 statement statement NOUN crln-9067 25 7 , , PUNCT crln-9067 25 8 a a DET crln-9067 25 9 credit credit NOUN crln-9067 25 10 disclosure disclosure NOUN crln-9067 25 11 statement statement NOUN crln-9067 25 12 , , PUNCT crln-9067 25 13 a a DET crln-9067 25 14 w-4 w-4 NUM crln-9067 25 15 form form NOUN crln-9067 25 16 , , PUNCT crln-9067 25 17 and and CCONJ crln-9067 25 18 a a DET crln-9067 25 19 credit credit NOUN crln-9067 25 20 report report NOUN crln-9067 25 21 . . PUNCT crln-9067 26 1 • • PROPN crln-9067 26 2 credit credit NOUN crln-9067 26 3 cred cre VERB crln-9067 26 4 , , PUNCT crln-9067 26 5 an an DET crln-9067 26 6 online online ADJ crln-9067 26 7 course course NOUN crln-9067 26 8 through through ADP crln-9067 26 9 which which PRON crln-9067 26 10 students student NOUN crln-9067 26 11 learn learn VERB crln-9067 26 12 about about ADP crln-9067 26 13 types type NOUN crln-9067 26 14 of of ADP crln-9067 26 15 credit credit NOUN crln-9067 26 16 , , PUNCT crln-9067 26 17 costs cost NOUN crln-9067 26 18 of of ADP crln-9067 26 19 using use VERB crln-9067 26 20 a a DET crln-9067 26 21 credit credit NOUN crln-9067 26 22 card card NOUN crln-9067 26 23 , , PUNCT crln-9067 26 24 building building NOUN crln-9067 26 25 credit credit NOUN crln-9067 26 26 , , PUNCT crln-9067 26 27 avoiding avoid VERB crln-9067 26 28 credit credit NOUN crln-9067 26 29 mistakes mistake NOUN crln-9067 26 30 , , PUNCT crln-9067 26 31 and and CCONJ crln-9067 26 32 monitoring monitor VERB crln-9067 26 33 your your PRON crln-9067 26 34 own own ADJ crln-9067 26 35 credit credit NOUN crln-9067 26 36 ( ( PUNCT crln-9067 26 37 e.g. e.g. ADV crln-9067 26 38 , , PUNCT crln-9067 26 39 credit credit NOUN crln-9067 26 40 reports report NOUN crln-9067 26 41 and and CCONJ crln-9067 26 42 credit credit NOUN crln-9067 26 43 score score NOUN crln-9067 26 44 ) ) PUNCT crln-9067 26 45 . . PUNCT crln-9067 27 1 • • PROPN crln-9067 27 2 cards card NOUN crln-9067 27 3 , , PUNCT crln-9067 27 4 cars car NOUN crln-9067 27 5 , , PUNCT crln-9067 27 6 and and CCONJ crln-9067 27 7 currency currency NOUN crln-9067 27 8 presents present VERB crln-9067 27 9 a a DET crln-9067 27 10 series series NOUN crln-9067 27 11 of of ADP crln-9067 27 12 online online ADJ crln-9067 27 13 courses course NOUN crln-9067 27 14 covering cover VERB crln-9067 27 15 some some DET crln-9067 27 16 common common ADJ crln-9067 27 17 issues issue NOUN crln-9067 27 18 in in ADP crln-9067 27 19 personal personal ADJ crln-9067 27 20 finance finance NOUN crln-9067 27 21 : : PUNCT crln-9067 27 22 credit credit NOUN crln-9067 27 23 cards card NOUN crln-9067 27 24 , , PUNCT crln-9067 27 25 debit debit NOUN crln-9067 27 26 cards card NOUN crln-9067 27 27 , , PUNCT crln-9067 27 28 and and CCONJ crln-9067 27 29 purchasing purchase VERB crln-9067 27 30 cars car NOUN crln-9067 27 31 . . PUNCT crln-9067 28 1 • • VERB crln-9067 28 2 it it PRON crln-9067 28 3 ’s ’ VERB crln-9067 28 4 your your PRON crln-9067 28 5 paycheck paycheck NOUN crln-9067 28 6 is be AUX crln-9067 28 7 a a DET crln-9067 28 8 series series NOUN crln-9067 28 9 of of ADP crln-9067 28 10 online online ADJ crln-9067 28 11 courses course NOUN crln-9067 28 12 covering cover VERB crln-9067 28 13 the the DET crln-9067 28 14 basics basic NOUN crln-9067 28 15 of of ADP crln-9067 28 16 personal personal ADJ crln-9067 28 17 finance finance NOUN crln-9067 28 18 — — PUNCT crln-9067 28 19 investing invest VERB crln-9067 28 20 in in ADP crln-9067 28 21 yourself yourself PRON crln-9067 28 22 to to PART crln-9067 28 23 earn earn VERB crln-9067 28 24 income income NOUN crln-9067 28 25 , , PUNCT crln-9067 28 26 paying pay VERB crln-9067 28 27 taxes taxis NOUN crln-9067 28 28 , , PUNCT crln-9067 28 29 budgeting budgeting NOUN crln-9067 28 30 , , PUNCT crln-9067 28 31 saving saving NOUN crln-9067 28 32 , , PUNCT crln-9067 28 33 credit credit NOUN crln-9067 28 34 cards card NOUN crln-9067 28 35 , , PUNCT crln-9067 28 36 credit credit NOUN crln-9067 28 37 rights right NOUN crln-9067 28 38 and and CCONJ crln-9067 28 39 responsibilities responsibility NOUN crln-9067 28 40 , , PUNCT crln-9067 28 41 payday payday NOUN crln-9067 28 42 loans loan NOUN crln-9067 28 43 , , PUNCT crln-9067 28 44 and and CCONJ crln-9067 28 45 rent rent VERB crln-9067 28 46 - - PUNCT crln-9067 28 47 to to ADP crln-9067 28 48 - - PUNCT crln-9067 28 49 own own ADJ crln-9067 28 50 contracts contract NOUN crln-9067 28 51 . . PUNCT crln-9067 29 1 • • VERB crln-9067 29 2 no no DET crln-9067 29 3 frills frill NOUN crln-9067 29 4 money money NOUN crln-9067 29 5 skills skill NOUN crln-9067 29 6 is be AUX crln-9067 29 7 a a DET crln-9067 29 8 series series NOUN crln-9067 29 9 of of ADP crln-9067 29 10 videos video NOUN crln-9067 29 11 that that PRON crln-9067 29 12 explain explain VERB crln-9067 29 13 compound compound NOUN crln-9067 29 14 interest interest NOUN crln-9067 29 15 , , PUNCT crln-9067 29 16 401(k 401(k PROPN crln-9067 29 17 ) ) PUNCT crln-9067 29 18 and and CCONJ crln-9067 29 19 roth roth PROPN crln-9067 29 20 401(k 401(k PROPN crln-9067 29 21 ) ) PUNCT crln-9067 29 22 savings saving NOUN crln-9067 29 23 , , PUNCT crln-9067 29 24 stocks stock NOUN crln-9067 29 25 , , PUNCT crln-9067 29 26 and and CCONJ crln-9067 29 27 bonds bond NOUN crln-9067 29 28 . . PUNCT crln-9067 30 1 our our PRON crln-9067 30 2 materials material NOUN crln-9067 30 3 are be AUX crln-9067 30 4 aligned align VERB crln-9067 30 5 with with ADP crln-9067 30 6 the the DET crln-9067 30 7 national national ADJ crln-9067 30 8 standards2 standards2 NOUN crln-9067 30 9 and and CCONJ crln-9067 30 10 can can AUX crln-9067 30 11 be be AUX crln-9067 30 12 used use VERB crln-9067 30 13 to to PART crln-9067 30 14 meet meet VERB crln-9067 30 15 those those DET crln-9067 30 16 requirements requirement NOUN crln-9067 30 17 . . PUNCT crln-9067 31 1 the the DET crln-9067 31 2 entire entire ADJ crln-9067 31 3 site site NOUN crln-9067 31 4 is be AUX crln-9067 31 5 driven drive VERB crln-9067 31 6 by by ADP crln-9067 31 7 a a DET crln-9067 31 8 database database NOUN crln-9067 31 9 that that PRON crln-9067 31 10 offers offer VERB crln-9067 31 11 the the DET crln-9067 31 12 ability ability NOUN crln-9067 31 13 to to PART crln-9067 31 14 filter filter VERB crln-9067 31 15 by by ADP crln-9067 31 16 audience audience NOUN crln-9067 31 17 , , PUNCT crln-9067 31 18 language language NOUN crln-9067 31 19 ( ( PUNCT crln-9067 31 20 english english ADJ crln-9067 31 21 and and CCONJ crln-9067 31 22 spanish spanish ADJ crln-9067 31 23 ) ) PUNCT crln-9067 31 24 , , PUNCT crln-9067 31 25 subject subject NOUN crln-9067 31 26 , , PUNCT crln-9067 31 27 medium medium NOUN crln-9067 31 28 , , PUNCT crln-9067 31 29 and and CCONJ crln-9067 31 30 concept concept NOUN crln-9067 31 31 . . PUNCT crln-9067 32 1 our our PRON crln-9067 32 2 resources resource NOUN crln-9067 32 3 provide provide VERB crln-9067 32 4 personal personal ADJ crln-9067 32 5 finance finance NOUN crln-9067 32 6 information information NOUN crln-9067 32 7 at at ADP crln-9067 32 8 a a DET crln-9067 32 9 variety variety NOUN crln-9067 32 10 of of ADP crln-9067 32 11 levels level NOUN crln-9067 32 12 and and CCONJ crln-9067 32 13 in in ADP crln-9067 32 14 different different ADJ crln-9067 32 15 situations situation NOUN crln-9067 32 16 . . PUNCT crln-9067 33 1 these these DET crln-9067 33 2 financial financial ADJ crln-9067 33 3 literacy literacy NOUN crln-9067 33 4 tools tool NOUN crln-9067 33 5 can can AUX crln-9067 33 6 be be AUX crln-9067 33 7 as as ADV crln-9067 33 8 formal formal ADJ crln-9067 33 9 as as ADP crln-9067 33 10 an an DET crln-9067 33 11 online online ADJ crln-9067 33 12 course course NOUN crln-9067 33 13 administered administer VERB crln-9067 33 14 by by ADP crln-9067 33 15 an an DET crln-9067 33 16 instructor instructor NOUN crln-9067 33 17 who who PRON crln-9067 33 18 follows follow VERB crln-9067 33 19 each each DET crln-9067 33 20 student student NOUN crln-9067 33 21 ’s ’s PART crln-9067 33 22 progress progress NOUN crln-9067 33 23 , , PUNCT crln-9067 33 24 or or CCONJ crln-9067 33 25 they they PRON crln-9067 33 26 can can AUX crln-9067 33 27 be be AUX crln-9067 33 28 as as ADV crln-9067 33 29 informal informal ADJ crln-9067 33 30 as as ADP crln-9067 33 31 a a DET crln-9067 33 32 user user NOUN crln-9067 33 33 finding find VERB crln-9067 33 34 a a DET crln-9067 33 35 simulated simulated ADJ crln-9067 33 36 chat chat NOUN crln-9067 33 37 about about ADP crln-9067 33 38 debit debit NOUN crln-9067 33 39 cards card NOUN crln-9067 33 40 or or CCONJ crln-9067 33 41 a a DET crln-9067 33 42 video video NOUN crln-9067 33 43 conversation conversation NOUN crln-9067 33 44 about about ADP crln-9067 33 45 financial financial ADJ crln-9067 33 46 aid aid NOUN crln-9067 33 47 and and CCONJ crln-9067 33 48 picking pick VERB crln-9067 33 49 up up ADP crln-9067 33 50 a a DET crln-9067 33 51 few few ADJ crln-9067 33 52 tips tip NOUN crln-9067 33 53 . . PUNCT crln-9067 34 1 one one NUM crln-9067 34 2 example example NOUN crln-9067 34 3 is be AUX crln-9067 34 4 a a DET crln-9067 34 5 new new ADJ crln-9067 34 6 short short ADJ crln-9067 34 7 course course NOUN crln-9067 34 8 called call VERB crln-9067 34 9 “ " PUNCT crln-9067 34 10 the the DET crln-9067 34 11 art art NOUN crln-9067 34 12 of of ADP crln-9067 34 13 decision decision NOUN crln-9067 34 14 making making NOUN crln-9067 34 15 , , PUNCT crln-9067 34 16 ” " PUNCT crln-9067 34 17 which which PRON crln-9067 34 18 can can AUX crln-9067 34 19 be be AUX crln-9067 34 20 viewed view VERB crln-9067 34 21 by by ADP crln-9067 34 22 an an DET crln-9067 34 23 entire entire ADJ crln-9067 34 24 class class NOUN crln-9067 34 25 to to PART crln-9067 34 26 start start VERB crln-9067 34 27 a a DET crln-9067 34 28 conversation conversation NOUN crln-9067 34 29 about about ADP crln-9067 34 30 decision decision NOUN crln-9067 34 31 making making NOUN crln-9067 34 32 as as ADP crln-9067 34 33 a a DET crln-9067 34 34 framework framework NOUN crln-9067 34 35 for for ADP crln-9067 34 36 personal personal ADJ crln-9067 34 37 finance finance NOUN crln-9067 34 38 . . PUNCT crln-9067 35 1 all all PRON crln-9067 35 2 of of ADP crln-9067 35 3 our our PRON crln-9067 35 4 online online ADJ crln-9067 35 5 courses course NOUN crln-9067 35 6 can can AUX crln-9067 35 7 be be AUX crln-9067 35 8 offered offer VERB crln-9067 35 9 through through ADP crln-9067 35 10 an an DET crln-9067 35 11 open open ADJ crln-9067 35 12 website website NOUN crln-9067 35 13 , , PUNCT crln-9067 35 14 allowing allow VERB crln-9067 35 15 anyone anyone PRON crln-9067 35 16 to to PART crln-9067 35 17 use use VERB crln-9067 35 18 the the DET crln-9067 35 19 material material NOUN crln-9067 35 20 and and CCONJ crln-9067 35 21 extract extract VERB crln-9067 35 22 information information NOUN crln-9067 35 23 at at ADP crln-9067 35 24 will will NOUN crln-9067 35 25 . . PUNCT crln-9067 36 1 this this PRON crln-9067 36 2 is be AUX crln-9067 36 3 often often ADV crln-9067 36 4 the the DET crln-9067 36 5 way way NOUN crln-9067 36 6 consumers consumer NOUN crln-9067 36 7 and and CCONJ crln-9067 36 8 external external PROPN crln-9067 36 9 c&rl c&rl PROPN crln-9067 36 10 news news NOUN crln-9067 36 11 february february PROPN crln-9067 36 12 2014 2014 NUM crln-9067 36 13 68 68 NUM crln-9067 36 14 groups group NOUN crln-9067 36 15 access access VERB crln-9067 36 16 our our PRON crln-9067 36 17 materials material NOUN crln-9067 36 18 , , PUNCT crln-9067 36 19 by by ADP crln-9067 36 20 providing provide VERB crln-9067 36 21 the the DET crln-9067 36 22 group group NOUN crln-9067 36 23 with with ADP crln-9067 36 24 a a DET crln-9067 36 25 link link NOUN crln-9067 36 26 to to ADP crln-9067 36 27 the the DET crln-9067 36 28 resources resource NOUN crln-9067 36 29 and and CCONJ crln-9067 36 30 allowing allow VERB crln-9067 36 31 them they PRON crln-9067 36 32 to to PART crln-9067 36 33 complete complete VERB crln-9067 36 34 the the DET crln-9067 36 35 course course NOUN crln-9067 36 36 independently independently ADV crln-9067 36 37 . . PUNCT crln-9067 37 1 we we PRON crln-9067 37 2 also also ADV crln-9067 37 3 offer offer VERB crln-9067 37 4 “ " PUNCT crln-9067 37 5 instructor instructor NOUN crln-9067 37 6 access access NOUN crln-9067 37 7 , , PUNCT crln-9067 37 8 ” " PUNCT crln-9067 37 9 which which PRON crln-9067 37 10 allows allow VERB crln-9067 37 11 an an DET crln-9067 37 12 instructor instructor NOUN crln-9067 37 13 to to PART crln-9067 37 14 provide provide VERB crln-9067 37 15 each each DET crln-9067 37 16 student student NOUN crln-9067 37 17 with with ADP crln-9067 37 18 a a DET crln-9067 37 19 username username NOUN crln-9067 37 20 and and CCONJ crln-9067 37 21 password password NOUN crln-9067 37 22 . . PUNCT crln-9067 38 1 instructors instructor NOUN crln-9067 38 2 are be AUX crln-9067 38 3 also also ADV crln-9067 38 4 able able ADJ crln-9067 38 5 to to PART crln-9067 38 6 track track VERB crln-9067 38 7 student student NOUN crln-9067 38 8 performance performance NOUN crln-9067 38 9 on on ADP crln-9067 38 10 a a DET crln-9067 38 11 pre pre NOUN crln-9067 38 12 - - NOUN crln-9067 38 13 test test NOUN crln-9067 38 14 , , PUNCT crln-9067 38 15 as as SCONJ crln-9067 38 16 they they PRON crln-9067 38 17 progress progress VERB crln-9067 38 18 through through ADP crln-9067 38 19 the the DET crln-9067 38 20 course course NOUN crln-9067 38 21 , , PUNCT crln-9067 38 22 and and CCONJ crln-9067 38 23 then then ADV crln-9067 38 24 on on ADP crln-9067 38 25 the the DET crln-9067 38 26 post post NOUN crln-9067 38 27 - - NOUN crln-9067 38 28 test test NOUN crln-9067 38 29 . . PUNCT crln-9067 39 1 perspectives perspective NOUN crln-9067 39 2 in in ADP crln-9067 39 3 conclusion conclusion NOUN crln-9067 39 4 , , PUNCT crln-9067 39 5 we we PRON crln-9067 39 6 would would AUX crln-9067 39 7 like like VERB crln-9067 39 8 to to PART crln-9067 39 9 share share VERB crln-9067 39 10 the the DET crln-9067 39 11 st st PROPN crln-9067 39 12 . . PROPN crln-9067 39 13 louis louis PROPN crln-9067 39 14 fed fed PROPN crln-9067 39 15 ’s ’s PART crln-9067 39 16 perspective perspective NOUN crln-9067 39 17 on on ADP crln-9067 39 18 three three NUM crln-9067 39 19 important important ADJ crln-9067 39 20 issues issue NOUN crln-9067 39 21 . . PUNCT crln-9067 40 1 • • VERB crln-9067 40 2 financial financial ADJ crln-9067 40 3 literacy literacy NOUN crln-9067 40 4 . . PUNCT crln-9067 41 1 the the DET crln-9067 41 2 st st PROPN crln-9067 41 3 . . PROPN crln-9067 41 4 louis louis PROPN crln-9067 41 5 fed fed PROPN crln-9067 41 6 approach approach NOUN crln-9067 41 7 to to ADP crln-9067 41 8 financial financial ADJ crln-9067 41 9 literacy literacy NOUN crln-9067 41 10 focuses focus VERB crln-9067 41 11 on on ADP crln-9067 41 12 an an DET crln-9067 41 13 economic economic ADJ crln-9067 41 14 way way NOUN crln-9067 41 15 of of ADP crln-9067 41 16 thinking thinking NOUN crln-9067 41 17 . . PUNCT crln-9067 42 1 that that PRON crln-9067 42 2 is is ADV crln-9067 42 3 , , PUNCT crln-9067 42 4 we we PRON crln-9067 42 5 recognize recognize VERB crln-9067 42 6 that that SCONJ crln-9067 42 7 financial financial ADJ crln-9067 42 8 resources resource NOUN crln-9067 42 9 are be AUX crln-9067 42 10 scarce scarce ADJ crln-9067 42 11 , , PUNCT crln-9067 42 12 scarcity scarcity NOUN crln-9067 42 13 requires require VERB crln-9067 42 14 decision decision NOUN crln-9067 42 15 making making NOUN crln-9067 42 16 , , PUNCT crln-9067 42 17 incentives incentive NOUN crln-9067 42 18 affect affect VERB crln-9067 42 19 decision decision NOUN crln-9067 42 20 making making NOUN crln-9067 42 21 , , PUNCT crln-9067 42 22 and and CCONJ crln-9067 42 23 when when SCONJ crln-9067 42 24 people people NOUN crln-9067 42 25 make make VERB crln-9067 42 26 choices choice NOUN crln-9067 42 27 they they PRON crln-9067 42 28 incur incur VERB crln-9067 42 29 opportunity opportunity NOUN crln-9067 42 30 costs cost NOUN crln-9067 42 31 . . PUNCT crln-9067 43 1 learning learn VERB crln-9067 43 2 a a DET crln-9067 43 3 formal formal ADJ crln-9067 43 4 decision decision NOUN crln-9067 43 5 making make VERB crln-9067 43 6 process process NOUN crln-9067 43 7 provides provide VERB crln-9067 43 8 people people NOUN crln-9067 43 9 with with ADP crln-9067 43 10 a a DET crln-9067 43 11 tool tool NOUN crln-9067 43 12 to to PART crln-9067 43 13 help help VERB crln-9067 43 14 them they PRON crln-9067 43 15 make make VERB crln-9067 43 16 more more ADV crln-9067 43 17 informed informed ADJ crln-9067 43 18 decisions decision NOUN crln-9067 43 19 . . PUNCT crln-9067 44 1 personal personal ADJ crln-9067 44 2 finance finance NOUN crln-9067 44 3 decisions decision NOUN crln-9067 44 4 are be AUX crln-9067 44 5 unique unique ADJ crln-9067 44 6 to to ADP crln-9067 44 7 each each DET crln-9067 44 8 person person NOUN crln-9067 44 9 ’s ’s PART crln-9067 44 10 wants want VERB crln-9067 44 11 , , PUNCT crln-9067 44 12 goals goal NOUN crln-9067 44 13 , , PUNCT crln-9067 44 14 and and CCONJ crln-9067 44 15 plans plan NOUN crln-9067 44 16 . . PUNCT crln-9067 45 1 understanding understand VERB crln-9067 45 2 economic economic ADJ crln-9067 45 3 concepts concept NOUN crln-9067 45 4 , , PUNCT crln-9067 45 5 such such ADJ crln-9067 45 6 as as ADP crln-9067 45 7 opportunity opportunity NOUN crln-9067 45 8 cost cost NOUN crln-9067 45 9 , , PUNCT crln-9067 45 10 trade trade NOUN crln-9067 45 11 - - PUNCT crln-9067 45 12 offs off NOUN crln-9067 45 13 , , PUNCT crln-9067 45 14 human human ADJ crln-9067 45 15 capital capital NOUN crln-9067 45 16 , , PUNCT crln-9067 45 17 incentives incentive NOUN crln-9067 45 18 , , PUNCT crln-9067 45 19 scarcity scarcity NOUN crln-9067 45 20 , , PUNCT crln-9067 45 21 and and CCONJ crln-9067 45 22 choice choice NOUN crln-9067 45 23 helps help VERB crln-9067 45 24 students student NOUN crln-9067 45 25 consider consider VERB crln-9067 45 26 their their PRON crln-9067 45 27 goals goal NOUN crln-9067 45 28 and and CCONJ crln-9067 45 29 how how SCONJ crln-9067 45 30 best good ADJ crln-9067 45 31 to to PART crln-9067 45 32 achieve achieve VERB crln-9067 45 33 them they PRON crln-9067 45 34 . . PUNCT crln-9067 46 1 • • VERB crln-9067 46 2 professional professional ADJ crln-9067 46 3 development development NOUN crln-9067 46 4 . . PUNCT crln-9067 47 1 the the DET crln-9067 47 2 st st PROPN crln-9067 47 3 . . PROPN crln-9067 47 4 louis louis PROPN crln-9067 47 5 fed fed PROPN crln-9067 47 6 and and CCONJ crln-9067 47 7 the the DET crln-9067 47 8 atlanta atlanta PROPN crln-9067 47 9 fed fed PROPN crln-9067 47 10 are be AUX crln-9067 47 11 partnering partner VERB crln-9067 47 12 to to PART crln-9067 47 13 offer offer VERB crln-9067 47 14 a a DET crln-9067 47 15 series series NOUN crln-9067 47 16 of of ADP crln-9067 47 17 online online ADJ crln-9067 47 18 professional professional ADJ crln-9067 47 19 development development NOUN crln-9067 47 20 programs program NOUN crln-9067 47 21 . . PUNCT crln-9067 48 1 these these DET crln-9067 48 2 programs program NOUN crln-9067 48 3 provide provide VERB crln-9067 48 4 professional professional ADJ crln-9067 48 5 development development NOUN crln-9067 48 6 credits credit NOUN crln-9067 48 7 or or CCONJ crln-9067 48 8 graduate graduate NOUN crln-9067 48 9 credits credit NOUN crln-9067 48 10 . . PUNCT crln-9067 49 1 those those PRON crln-9067 49 2 who who PRON crln-9067 49 3 enroll enroll VERB crln-9067 49 4 will will AUX crln-9067 49 5 read read VERB crln-9067 49 6 , , PUNCT crln-9067 49 7 view view NOUN crln-9067 49 8 videos video NOUN crln-9067 49 9 , , PUNCT crln-9067 49 10 take take VERB crln-9067 49 11 online online ADJ crln-9067 49 12 courses course NOUN crln-9067 49 13 , , PUNCT crln-9067 49 14 use use VERB crln-9067 49 15 materials material NOUN crln-9067 49 16 with with ADP crln-9067 49 17 students student NOUN crln-9067 49 18 and and CCONJ crln-9067 49 19 report report VERB crln-9067 49 20 on on ADP crln-9067 49 21 the the DET crln-9067 49 22 results result NOUN crln-9067 49 23 , , PUNCT crln-9067 49 24 take take VERB crln-9067 49 25 quizzes quiz NOUN crln-9067 49 26 , , PUNCT crln-9067 49 27 and and CCONJ crln-9067 49 28 write write VERB crln-9067 49 29 reflections reflection NOUN crln-9067 49 30 on on ADP crln-9067 49 31 readings reading NOUN crln-9067 49 32 . . PUNCT crln-9067 50 1 in in ADP crln-9067 50 2 addition addition NOUN crln-9067 50 3 , , PUNCT crln-9067 50 4 federal federal PROPN crln-9067 50 5 reserve reserve PROPN crln-9067 50 6 banks bank NOUN crln-9067 50 7 offer offer VERB crln-9067 50 8 face face NOUN crln-9067 50 9 - - PUNCT crln-9067 50 10 to to ADP crln-9067 50 11 - - PUNCT crln-9067 50 12 face face NOUN crln-9067 50 13 professional professional ADJ crln-9067 50 14 development development NOUN crln-9067 50 15 programs program NOUN crln-9067 50 16 for for ADP crln-9067 50 17 educators educator NOUN crln-9067 50 18 throughout throughout ADP crln-9067 50 19 the the DET crln-9067 50 20 country country NOUN crln-9067 50 21 at at ADP crln-9067 50 22 their their PRON crln-9067 50 23 institution institution NOUN crln-9067 50 24 , , PUNCT crln-9067 50 25 a a DET crln-9067 50 26 reserve reserve NOUN crln-9067 50 27 branch branch NOUN crln-9067 50 28 , , PUNCT crln-9067 50 29 or or CCONJ crln-9067 50 30 at at ADP crln-9067 50 31 schools school NOUN crln-9067 50 32 . . PUNCT crln-9067 51 1 these these DET crln-9067 51 2 programs program NOUN crln-9067 51 3 cover cover VERB crln-9067 51 4 economics economic NOUN crln-9067 51 5 and and CCONJ crln-9067 51 6 personal personal ADJ crln-9067 51 7 finance finance NOUN crln-9067 51 8 topics topic NOUN crln-9067 51 9 and and CCONJ crln-9067 51 10 are be AUX crln-9067 51 11 aligned align VERB crln-9067 51 12 with with ADP crln-9067 51 13 state state NOUN crln-9067 51 14 and and CCONJ crln-9067 51 15 national national ADJ crln-9067 51 16 standards standard NOUN crln-9067 51 17 . . PUNCT crln-9067 52 1 centers center NOUN crln-9067 52 2 and and CCONJ crln-9067 52 3 councils council NOUN crln-9067 52 4 for for ADP crln-9067 52 5 economic economic ADJ crln-9067 52 6 education education NOUN crln-9067 52 7 found find VERB crln-9067 52 8 in in ADP crln-9067 52 9 most most ADJ crln-9067 52 10 states state NOUN crln-9067 52 11 also also ADV crln-9067 52 12 offer offer VERB crln-9067 52 13 face face NOUN crln-9067 52 14 - - PUNCT crln-9067 52 15 to to ADP crln-9067 52 16 - - PUNCT crln-9067 52 17 face face NOUN crln-9067 52 18 professional professional ADJ crln-9067 52 19 development development NOUN crln-9067 52 20 for for ADP crln-9067 52 21 educators educator NOUN crln-9067 52 22 . . PUNCT crln-9067 53 1 • • PROPN crln-9067 53 2 credibility credibility NOUN crln-9067 53 3 and and CCONJ crln-9067 53 4 a a DET crln-9067 53 5 noncommercial noncommercial ADJ crln-9067 53 6 approach approach NOUN crln-9067 53 7 . . PUNCT crln-9067 54 1 the the DET crln-9067 54 2 st st PROPN crln-9067 54 3 . . PROPN crln-9067 54 4 louis louis PROPN crln-9067 54 5 fed fed PROPN crln-9067 54 6 has have VERB crln-9067 54 7 a a DET crln-9067 54 8 reputation reputation NOUN crln-9067 54 9 for for ADP crln-9067 54 10 high high ADJ crln-9067 54 11 - - PUNCT crln-9067 54 12 quality quality NOUN crln-9067 54 13 economic economic ADJ crln-9067 54 14 and and CCONJ crln-9067 54 15 financial financial ADJ crln-9067 54 16 education education NOUN crln-9067 54 17 . . PUNCT crln-9067 55 1 our our PRON crln-9067 55 2 staff staff NOUN crln-9067 55 3 have have AUX crln-9067 55 4 served serve VERB crln-9067 55 5 on on ADP crln-9067 55 6 national national ADJ crln-9067 55 7 boards board NOUN crln-9067 55 8 for for ADP crln-9067 55 9 setting set VERB crln-9067 55 10 standards standard NOUN crln-9067 55 11 for for ADP crln-9067 55 12 personal personal ADJ crln-9067 55 13 finance finance NOUN crln-9067 55 14 , , PUNCT crln-9067 55 15 grading grade VERB crln-9067 55 16 national national ADJ crln-9067 55 17 exams exam NOUN crln-9067 55 18 , , PUNCT crln-9067 55 19 reviewing review VERB crln-9067 55 20 textbooks textbook NOUN crln-9067 55 21 and and CCONJ crln-9067 55 22 other other ADJ crln-9067 55 23 curricula curricula NOUN crln-9067 55 24 , , PUNCT crln-9067 55 25 advising advise VERB crln-9067 55 26 the the DET crln-9067 55 27 treasury treasury PROPN crln-9067 55 28 department department NOUN crln-9067 55 29 and and CCONJ crln-9067 55 30 the the DET crln-9067 55 31 financial financial ADJ crln-9067 55 32 literacy literacy NOUN crln-9067 55 33 and and CCONJ crln-9067 55 34 education education NOUN crln-9067 55 35 commission commission NOUN crln-9067 55 36 , , PUNCT crln-9067 55 37 conducting conduct VERB crln-9067 55 38 trainings training NOUN crln-9067 55 39 in in ADP crln-9067 55 40 social social ADJ crln-9067 55 41 studies study NOUN crln-9067 55 42 and and CCONJ crln-9067 55 43 business business NOUN crln-9067 55 44 education education NOUN crln-9067 55 45 for for ADP crln-9067 55 46 various various ADJ crln-9067 55 47 national national ADJ crln-9067 55 48 , , PUNCT crln-9067 55 49 regional regional ADJ crln-9067 55 50 , , PUNCT crln-9067 55 51 and and CCONJ crln-9067 55 52 state state NOUN crln-9067 55 53 organizations organization NOUN crln-9067 55 54 ( ( PUNCT crln-9067 55 55 such such ADJ crln-9067 55 56 as as ADP crln-9067 55 57 the the DET crln-9067 55 58 jump$tart jump$tart NOUN crln-9067 55 59 national national ADJ crln-9067 55 60 coalition coalition NOUN crln-9067 55 61 for for ADP crln-9067 55 62 financial financial ADJ crln-9067 55 63 literacy literacy NOUN crln-9067 55 64 , , PUNCT crln-9067 55 65 the the DET crln-9067 55 66 council council NOUN crln-9067 55 67 for for ADP crln-9067 55 68 economic economic ADJ crln-9067 55 69 education education NOUN crln-9067 55 70 , , PUNCT crln-9067 55 71 the the DET crln-9067 55 72 national national PROPN crln-9067 55 73 council council PROPN crln-9067 55 74 for for ADP crln-9067 55 75 the the DET crln-9067 55 76 social social ADJ crln-9067 55 77 studies study NOUN crln-9067 55 78 , , PUNCT crln-9067 55 79 and and CCONJ crln-9067 55 80 the the DET crln-9067 55 81 national national ADJ crln-9067 55 82 business business NOUN crln-9067 55 83 educators educator NOUN crln-9067 55 84 association association NOUN crln-9067 55 85 ) ) PUNCT crln-9067 55 86 . . PUNCT crln-9067 56 1 perhaps perhaps ADV crln-9067 56 2 most most ADV crln-9067 56 3 importantly importantly ADV crln-9067 56 4 , , PUNCT crln-9067 56 5 the the DET crln-9067 56 6 st st PROPN crln-9067 56 7 . . PROPN crln-9067 56 8 louis louis PROPN crln-9067 56 9 fed fed PROPN crln-9067 56 10 does do AUX crln-9067 56 11 n’t not PART crln-9067 56 12 sell sell VERB crln-9067 56 13 anything anything PRON crln-9067 56 14 . . PUNCT crln-9067 57 1 we we PRON crln-9067 57 2 provide provide VERB crln-9067 57 3 our our PRON crln-9067 57 4 information information NOUN crln-9067 57 5 for for ADP crln-9067 57 6 free free ADJ crln-9067 57 7 and and CCONJ crln-9067 57 8 do do AUX crln-9067 57 9 not not PART crln-9067 57 10 profit profit VERB crln-9067 57 11 from from ADP crln-9067 57 12 any any DET crln-9067 57 13 resource resource NOUN crln-9067 57 14 or or CCONJ crln-9067 57 15 any any DET crln-9067 57 16 action action NOUN crln-9067 57 17 taken take VERB crln-9067 57 18 by by ADP crln-9067 57 19 those those PRON crln-9067 57 20 who who PRON crln-9067 57 21 may may AUX crln-9067 57 22 benefit benefit VERB crln-9067 57 23 from from ADP crln-9067 57 24 our our PRON crln-9067 57 25 resources resource NOUN crln-9067 57 26 . . PUNCT crln-9067 58 1 in in ADP crln-9067 58 2 other other ADJ crln-9067 58 3 words word NOUN crln-9067 58 4 , , PUNCT crln-9067 58 5 we we PRON crln-9067 58 6 have have VERB crln-9067 58 7 no no DET crln-9067 58 8 incentive incentive NOUN crln-9067 58 9 or or CCONJ crln-9067 58 10 corporate corporate ADJ crln-9067 58 11 motive motive NOUN crln-9067 58 12 except except SCONJ crln-9067 58 13 to to PART crln-9067 58 14 educate educate VERB crln-9067 58 15 and and CCONJ crln-9067 58 16 increase increase VERB crln-9067 58 17 awareness awareness NOUN crln-9067 58 18 , , PUNCT crln-9067 58 19 ideally ideally ADV crln-9067 58 20 to to PART crln-9067 58 21 improve improve VERB crln-9067 58 22 the the DET crln-9067 58 23 public public ADJ crln-9067 58 24 ’s ’s NOUN crln-9067 58 25 decision decision NOUN crln-9067 58 26 making make VERB crln-9067 58 27 processes process NOUN crln-9067 58 28 ’ ' PUNCT crln-9067 58 29 . . PUNCT crln-9067 59 1 notes note VERB crln-9067 59 2 1 1 NUM crln-9067 59 3 . . PUNCT crln-9067 60 1 this this DET crln-9067 60 2 content content NOUN crln-9067 60 3 is be AUX crln-9067 60 4 housed house VERB crln-9067 60 5 and and CCONJ crln-9067 60 6 organized organize VERB crln-9067 60 7 through through ADP crln-9067 60 8 a a DET crln-9067 60 9 distinct distinct ADJ crln-9067 60 10 website website NOUN crln-9067 60 11 : : PUNCT crln-9067 60 12 econlowdown econlowdown NOUN crln-9067 60 13 ( ( PUNCT crln-9067 60 14 www.stlouisfed.org/education_resources www.stlouisfed.org/education_resource NOUN crln-9067 60 15 ) ) PUNCT crln-9067 60 16 . . PUNCT crln-9067 61 1 2 2 X crln-9067 61 2 . . X crln-9067 61 3 council council PROPN crln-9067 61 4 for for ADP crln-9067 61 5 economic economic ADJ crln-9067 61 6 education education NOUN crln-9067 61 7 , , PUNCT crln-9067 61 8 national national ADJ crln-9067 61 9 standards standard NOUN crln-9067 61 10 for for ADP crln-9067 61 11 financial financial ADJ crln-9067 61 12 literacy literacy NOUN crln-9067 61 13 , , PUNCT crln-9067 61 14 www www NOUN crln-9067 61 15 . . PUNCT crln-9067 62 1 councilforeconed.org/resource/national councilforeconed.org/resource/national ADJ crln-9067 62 2 -standards -standard NOUN crln-9067 62 3 - - PUNCT crln-9067 62 4 for for ADP crln-9067 62 5 - - PUNCT crln-9067 62 6 financial financial ADJ crln-9067 62 7 - - PUNCT crln-9067 62 8 literacy/ literacy/ NUM crln-9067 62 9 , , PUNCT crln-9067 62 10 accessed access VERB crln-9067 62 11 december december PROPN crln-9067 62 12 12 12 NUM crln-9067 62 13 , , PUNCT crln-9067 62 14 2013 2013 NUM crln-9067 62 15 . . PUNCT crln-9067 63 1 when when SCONJ crln-9067 63 2 librarians librarian NOUN crln-9067 63 3 are be AUX crln-9067 63 4 themselves themselves PRON crln-9067 63 5 informed inform VERB crln-9067 63 6 about about ADP crln-9067 63 7 relevant relevant ADJ crln-9067 63 8 issues issue NOUN crln-9067 63 9 and and CCONJ crln-9067 63 10 resources resource NOUN crln-9067 63 11 — — PUNCT crln-9067 63 12 in in ADP crln-9067 63 13 this this DET crln-9067 63 14 case case NOUN crln-9067 63 15 , , PUNCT crln-9067 63 16 in in ADP crln-9067 63 17 the the DET crln-9067 63 18 fields field NOUN crln-9067 63 19 of of ADP crln-9067 63 20 economics economic NOUN crln-9067 63 21 and and CCONJ crln-9067 63 22 personal personal ADJ crln-9067 63 23 finance finance NOUN crln-9067 63 24 — — PUNCT crln-9067 63 25 and and CCONJ crln-9067 63 26 provided provide VERB crln-9067 63 27 with with ADP crln-9067 63 28 high high ADJ crln-9067 63 29 - - PUNCT crln-9067 63 30 quality quality NOUN crln-9067 63 31 educational educational ADJ crln-9067 63 32 materials material NOUN crln-9067 63 33 , , PUNCT crln-9067 63 34 the the DET crln-9067 63 35 library library NOUN crln-9067 63 36 is be AUX crln-9067 63 37 ready ready ADJ crln-9067 63 38 to to PART crln-9067 63 39 serve serve VERB crln-9067 63 40 its its PRON crln-9067 63 41 students student NOUN crln-9067 63 42 . . PUNCT