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S)-13 (. \(2014\). \037e e)-14 (c)8 (onomic im)9 (p)-13 (or)-12 (t)-6 (anc)8.1 (e of \036nanc)-4.9 (i)-5 (al lit)6 (erac)-26 (y)-30 (: \037e)-13.9 (or)-33 (y and )]TJ 0 Tw 0 -1.15 Td [(e)-19 (v)-10 (idenc)8.1 (e. )]TJ /T1_1 1 Tf [(J)12 (ou)8 (r)-13 (na)7 (l of Econom)8.1 (ic L)18 (iter)13.1 (atu)8 (re)]TJ /T1_2 1 Tf (, )Tj /T1_1 1 Tf (52)Tj /T1_2 1 Tf (\(1\), 5-44.)Tj 0 0 0 1 k /GS1 gs ( )Tj 0 0 0 rg /GS0 gs [(h)9 (t)7 (t)7 (p)-7 (s)-20 (://doi.or)10.1 (g/10.1257/j)-5.9 (e)7 (l.52.1.5)]TJ 0 0 0 1 k /GS1 gs -2 -1.623 Td (46.)Tj /Span<>> BDC ( )Tj EMC 0 0 0 rg /GS0 gs 0.076 Tw 2 0 Td [(L)9 (u)-5 (sar)6 (di, A)-36 (. \(2008\). )]TJ /T1_1 1 Tf [(F)21 (i)8 (na)7 (nci)-11.9 (a)7 (l l)8 (iter)13 (ac)-9 (y)-22 (: a)6.9 (n e)-15 (ssenti)-12 (a)7 (l to)-6 (ol for i)8 (nfor)-13 (me)-7.9 (d con)-9 (s)7 (u)8 (mer c)8 (hoice?)]TJ /T1_2 1 Tf ( \(No. w14084\). )Tj 0.038 Tw 0 -1.15 Td [(N)6 (a)9 (tional Bur)6 (e)-9 (a)9 (u of Ec)8 (onomic Re)-7 (s)-6 (e)-8.9 (ar)6 (c)5 (h. )]TJ 0 0 0 1 k /GS1 gs 0 Tw [(h)9 (t)7 (t)7 (p)-6.9 (s)-20 (://w)-21 (w)-21 (w)51 (.nb)-12.9 (er)73 (.or)10 (g/s)-8 (y)-5 (st)6.1 (em/\036le)-7 (s/wor)5.9 (k)-5.9 (ing_p)-6 (a)9 (p)-13 (ers/w14084/)]TJ 0 -1.15 Td [(w14084.p)-13 (df)]TJ 0 0 0 rg /GS0 gs [(. h)9 (t)7 (t)7 (p)-7 (s)-20 (://doi.or)10.1 (g/10.3386/w14084)]TJ 0 0 0 1 k /GS1 gs -2 -1.623 Td (47.)Tj /Span<>> BDC ( )Tj EMC 0 0 0 rg /GS0 gs 0.115 Tw 2 0 Td [(L)9 (u)-5 (sar)6 (di, A)-36 (. & Mit)6 (c)5 (he)7 (ll, O)26 (. \(2017\). H)6 (ow Or)6 (dinar)-32.9 (y Consumers Mak)5 (e Com)9 (ple)8 (x Ec)8 (onomic D)-11 (e)-13.9 (c)-5 (i)-5 (sions)-20 (: )]TJ 0 Tw 0 -1.15 Td [(F)23 (inanc)-4.9 (i)-5 (al L)-6.9 (it)6 (erac)-26 (y and Re)-5.9 (tir)6 (emen)9 (t Re)-8.9 (adine)-6.9 (ss)]TJ /T1_1 1 Tf [(. Q)-18 (u)-12 (a)7 (r)-13.9 (terl)6 (y J)12 (ou)8 (r)-13 (na)7 (l of F)21.1 (i)8 (na)7 (nce)]TJ /T1_2 1 Tf (, )Tj /T1_1 1 Tf (7)Tj /T1_2 1 Tf (\(3\), 1-31.)Tj 0 0 0 1 k /GS1 gs ( )Tj 0 -1.15 Td [(h)9 (t)7 (t)7 (p)-7 (s)-20 (://doi.or)10.1 (g/10.1142/S2010139217500082)]TJ -2 -1.623 Td (48.)Tj /Span<>> BDC ( )Tj EMC 0 0 0 rg /GS0 gs -0.048 Tw 2 0 Td [(L)9 (u)-5 (sar)6 (di, A)-35.9 (., Mit)6.1 (c)5 (he)7 (ll, O)26 (. S)-12.9 (. & C)14 (ur)-12 (t)6 (o, V)97 (. \(2010\). F)23 (inanc)-4.9 (i)-5 (al lit)6 (erac)-25.9 (y among t)6 (he young)-28 (. )]TJ /T1_1 1 Tf [(J)12 (ou)8 (r)-13 (na)7 (l of C)-9 (on)-9 (s)7 (u)8 (mer )]TJ -0.008 Tc 0.008 Tw 0 -1.15 Td [(A)-8 (\035)-2 (a)-1 (ir)-21 (s)]TJ /T1_2 1 Tf 0 Tc 0 Tw 2.764 0 Td (, )Tj /T1_1 1 Tf (44)Tj /T1_2 1 Tf (\(2\), 358-380.)Tj 0 0 0 1 k /GS1 gs ( )Tj 0 0 0 rg /GS0 gs [(h)9 (t)7 (t)7 (p)-7 (s)-19.9 (://doi.or)10 (g/10.1111/j.1745-6606.2010.01173.x)]TJ 0 0 0 1 k /GS1 gs -4.764 -1.623 Td (49.)Tj /Span<>> BDC ( )Tj EMC 0 0 0 rg /GS0 gs -0.05 Tw 2 0 Td [(L)39 (yons)-24 (, A)-36 (. C)-21 (. & H)22 (un)9 (t)-19 (, J. \(2003\). \037e c)-5 (r)6 (e)-14 (dit prac)-6 (tic)8.1 (e)-7 (s and \036nanc)-4.9 (i)-5 (al e)-13.9 (duc)-8 (a)9 (tion ne)-14 (e)-14 (d)-5 (s of c)8.1 (omm)9 (unity c)8 (olle)-5.9 (ge )]TJ 0 Tw 0 -1.15 Td [(st)7 (uden)9 (t)-12 (s)-23.9 (. )]TJ /T1_1 1 Tf [(J)12 (ou)8 (r)-13 (na)7 (l of F)21.1 (i)8 (na)7 (nci)-12 (a)7 (l C)-8.9 (ou)8 (n)-9 (sel)8 (i)8 (n)5 (g a)7 (nd P)5.1 (l)-12 (a)7 (n)8 (n)8 (i)8 (n)5 (g)]TJ /T1_2 1 Tf (, )Tj /T1_1 1 Tf (14)Tj /T1_2 1 Tf (\(2\), 63-74.)Tj 0 0 0 1 k /GS1 gs -2 -1.623 Td (50.)Tj /Span<>> BDC ( )Tj EMC 0 0 0 rg /GS0 gs 0.065 Tw 2 0 Td [(Mande)7 (ll, L)-28 (. & Klein, L)-28 (. S)-13 (. \(2009\). \037e im)9 (p)-6 (ac)-6 (t of \036nanc)-5 (i)-5 (al lit)6 (erac)-25.9 (y e)-14 (duc)-8 (a)9 (tion on sub)-6.9 (s)-6 (e)-14 (quen)9 (t \036nanc)-5 (i)-5 (al )]TJ 0 Tw 0 -1.15 Td [(b)-13 (e)7 (ha)13 (v)-10 (ior)73.1 (. )]TJ /T1_1 1 Tf [(J)12 (ou)8 (r)-13 (na)7 (l of F)21.1 (i)8 (na)7 (nci)-12 (a)7 (l C)-9 (ou)8 (n)-8.9 (sel)8 (i)8 (n)5 (g a)7 (nd P)5 (l)-11.9 (a)6.9 (n)8 (n)8.1 (i)8 (n)5 (g)]TJ /T1_2 1 Tf (, )Tj /T1_1 1 Tf (20)Tj /T1_2 1 Tf (\(1\), 15-24.)Tj 0 0 0 1 k /GS1 gs -2 -1.623 Td (51.)Tj /Span<>> BDC ( )Tj EMC 0 0 0 rg /GS0 gs 0.053 Tw 2 0 Td [(M)5 (cCor)-8 (mic)5 (k)-36 (, M. H. \(2009\). \037e e\034)6 (e)-14 (c)-6 (tivene)-6.9 (ss of yout)6.1 (h \036nanc)-5 (i)-5 (al e)-14 (duc)-7.9 (a)9 (tion: A r)6 (e)-19 (v)-10 (ie)-19 (w of t)6 (he lit)6 (era)9 (t)7 (ur)6 (e. )]TJ /T1_1 1 Tf 0 Tw 0 -1.15 Td [(J)12 (ou)8 (r)-13 (na)7 (l of F)21.1 (i)8 (na)7 (nci)-12 (a)7 (l C)-8.9 (ou)8 (n)-9 (sel)8 (i)8 (n)5 (g a)7 (nd P)5.1 (l)-12 (a)7 (n)8 (n)8 (i)8 (n)5 (g)]TJ /T1_2 1 Tf (, )Tj /T1_1 1 Tf (20)Tj /T1_2 1 Tf (\(1\), 70-83.)Tj 0 0 0 1 k /GS1 gs -2 -1.623 Td (52.)Tj /Span<>> BDC ( )Tj EMC 0 0 0 rg /GS0 gs -0.043 Tw 2 0 Td [(M)5 (e)-7 (ss)-8 (y)51 (, F)96 (. A)-36 (. & M)5 (on)9 (tic)8 (one, C)-21 (. \(2012\). )]TJ /T1_1 1 Tf [(\036e St)-11.9 (atu)-12 (s of F)21 (i)8 (na)7 (nci)-11.9 (a)7 (l Ed)8 (uc)-8 (ation i)8 (n Af)-13 (r)-13 (ic)-8 (a OEC)-16 (D work)-8 (i)8 (n)5 (g p)-10 (a)7 (p)-6 (er)-13 (s )]TJ 0.088 Tw 0 -1.15 Td [(on \037)8 (na)7 (nce)-23.9 (, i)8 (n)-9 (s)7 (u)8 (r)13 (a)7 (nce a)7 (nd pr)-13 (ivate p)-6 (en)-9 (s)7 (ion)-9 (s)]TJ /T1_2 1 Tf 0 Tw (. )Tj 0 0 0 1 k /GS1 gs 18.511 0 Td [(h)9 (t)7 (t)7 (p)-7 (s)-20 (://w)-20.9 (w)-21 (w)51 (.o)-13 (e)-14 (c)8 (d-ilibrar)-32.9 (y)51 (.or)10 (g/do)-13 (c)-9 (s)-6 (er)-33 (ver/5k94c)8 (q)-6 (q)-6 (x90wl-)]TJ 0.006 Tc -0.006 Tw -18.511 -1.15 Td [(en.p)-12.7 (df?e)8.3 (x)8.3 (pir)6.3 (e)-6.7 (s=1619521103&id=id&ac)8.3 (c)-4.6 (name=g)-11.7 (ue)-6.7 (st&c)5.3 (he)-13.7 (c)5.3 (k)-16.7 (sum=0D)-24.7 (C1577A97521D0A)-4.7 (BB1BD)14.3 (A512)]TJ 0 Tc 0 Tw 0 -1.15 Td [(1E69C)-18 (E5)]TJ 0 0 0 rg /GS0 gs ( )Tj 0 0 0 1 k /GS1 gs -2 -1.623 Td (53.)Tj /Span<>> BDC ( )Tj EMC 0 0 0 rg /GS0 gs -0.023 Tw 2 0 Td [(M)5 (e)-7 (ss)-8 (y)51 (, F)96 (. A)-36 (. & M)5 (on)9 (tic)8.1 (one, C)-21 (. \(2016\). )]TJ /T1_1 1 Tf [(F)20.9 (i)8.1 (na)6.9 (nci)-11.9 (a)7 (l e)-8 (d)8 (uc)-8 (ation p)-6 (ol)8 (icie)-15 (s i)8 (n A)-7 (s)7 (i)-12 (a a)7 (nd the P)16 (aci\037c)]TJ /T1_2 1 Tf 0 Tw (. )Tj 0 0 0 1 k /GS1 gs 36.65 0 Td [(h)9 (t)7 (t)7 (p)-7 (s)-20 (://w)-20.9 (w)-21 (w)51 (.)]TJ -36.65 -1.15 Td [(s)-6.2 (eman)8.8 (tic)-9.2 (s)-6.2 (c)4.8 (hol)-5.2 (ar)72.8 (.or)9.8 (g/p)-6.2 (a)8.8 (p)-13.2 (er/F)22.8 (inanc)-5.2 (i)-5.2 (al-Educ)-8.2 (a)8.8 (tion-P)22.8 (olic)-5.2 (ie)-7.1 (s)-13.2 (-in-A)-12.2 (si)-5.2 (a-and-)-16.2 (t)5.8 (he-M)4.8 (e)-7.2 (ss)-8.2 (y)-9.2 (-M)4.8 (on)8.8 (tic)7.8 (one/e)-9.2 (aac)7.8 (d92)]TJ 0 -1.15 Td [(b200d2180805f37ae7c)-4.9 (f79e99e18654e)-14 (c?p2df)]TJ 0 0 0 rg /GS0 gs ( )Tj 0 0 0 1 k /GS1 gs -2 -1.623 Td (54.)Tj /Span<>> BDC ( )Tj EMC 0 0 0 rg /GS0 gs 0.221 Tw 2 0 Td [(Mini)-5 (str)-32.9 (y )0.5 (of )0.6 (F)23 (inanc)8 (e )0.5 (of )0.6 (t)6 (he )0.5 (Re)-6 (public )0.6 (of )0.5 (Cr)6 (o)-6 (a)9 (ti)-4.9 (a )0.5 (\(2019\). )]TJ /T1_1 1 Tf 24.432 0 Td [(Iz)-16 (v)-14 (je)-14.9 (\232\034e )0.5 (o )0.5 (prove)-7.9 (d)13 (bi )0.5 (m)8 (jer)13 (a )0.5 (i )0.6 (a)6.9 (ktiv)-14 (no)-6 (sti )0.5 (z)-20.9 (a )]TJ -0.006 Tw -24.432 -1.15 Td [(u)8 (na)7 (pr)-13 (je)-7.9 (\032en)8 (je \037)8 (na)7 (nci)8.1 (js)12 (k)6 (e pi)-12 (s)7 (meno)-5.9 (sti p)-6 (otro)-5.9 (\232a\033)-8 (a z)-21 (a 2018. go)-6 (d)8 (i)8 (n)8 (u)]TJ /T1_2 1 Tf 0 Tw (. )Tj 0 0 0 1 k /GS1 gs 26.094 0 Td [(h)9 (t)7 (t)7 (p)-7 (s)-20 (://m\036n.gov)51 (.hr/U)13 (s)-6 (erD)-10.9 (o)-13 (c)-9 (sImage)-7 (s//)]TJ -26.094 -1.15 Td [(dokumen)9 (ti/\036n-)-9.9 (su)-5 (st)-6 (a)13 (v//IZ)-28.9 (V)-12 (JE%C5%A0%C4%86E%20Z)-29.9 (A%202018.p)-13 (df)]TJ 0 0 0 rg /GS0 gs ( )Tj 0 0 0 1 k /GS1 gs -2 -1.623 Td (55.)Tj /Span<>> BDC ( )Tj EMC 0 0 0 rg /GS0 gs 0.145 Tw 2 0 Td [(Mini)-5 (str)-32.9 (y of F)23 (inanc)8 (e of t)6 (he Re)-6 (public of Cr)6 (o)-5.9 (a)9 (ti)-5 (a \(2021\). )]TJ /T1_1 1 Tf [(S)23 (v)-14 (jet)-11.9 (s)11.9 (k)-7.9 (i i E)11 (u)8 (rop)-6 (s)12 (k)-7.9 (i tje)-8 (d)-12 (a)7 (n novc)-8 (a)]TJ /T1_2 1 Tf [(. Re)-6 (publik)-7 (a )]TJ 0.816 Tw 0 -1.15 Td [(Hr)-33 (v)-10 (a)9 (t)-12 (s)5 (k)-6.9 (a)-23 (. Mini)-4.9 (st)-6 (arstvo \036nanc)-4.9 (ija Re)-6 (publik)5 (e Hr)-32.9 (v)-10 (a)9 (t)-12 (s)5 (k)5 (e. )]TJ 0 0 0 1 k /GS1 gs 0 Tw [(h)9 (t)7 (t)7 (p)-6.9 (s)-20 (://w)-21 (w)-21 (w)51.1 (.szp.hr/U)13 (s)-6 (erD)-11 (o)-12.9 (c)-9 (sImage)-7 (s/)]TJ 0.057 Tc -0.057 Tw 0 -1.15 Td [(dokumen)9.3 (ti/O)-4.6 (bja)13.3 (ve/S)12.3 (v)-14.7 (j)-5.7 (e)-5.7 (t)-11.7 (s)5.3 (k)-5.7 (i%20i%20E)17.3 (ur)6.3 (op)-6.7 (s)5.3 (k)-5.6 (i%20t)7.3 (j)-5.7 (e)-13.7 (d)-4.7 (an%20novc)-7.7 (a-%20s)-7.7 (ve%20pr)6.3 (ezen)9.3 (t)-5.7 (ac)-4.7 (ij)-5.7 (e.)]TJ 0 Tc 0 Tw 0 -1.15 Td [(p)-13 (df?ve)7 (l=3159554)]TJ 0 0 0 rg /GS0 gs ( )Tj 0 0 0 1 k /GS1 gs -2 -1.623 Td (56.)Tj /Span<>> BDC ( )Tj EMC 0 0 0 rg /GS0 gs 0.233 Tw 2 0 Td [(Mini)-5 (str)-32.9 (y of S)-13 (c)-5 (ienc)8.1 (e and Educ)-8 (a)9 (tion of t)6 (he Re)-6 (public of Cr)6 (o)-5.9 (a)9 (ti)-5 (a \(2017\). )]TJ /T1_1 1 Tf [(N)7 (aciona)7 (l)8 (n)8 (i k)-8 (u)8.1 (r)-13 (i)6 (k)-8 (u)6 (l)8 (u)8 (m z)-21 (a )]TJ 0 Tw 0 -1.15 Td [(o)-6 (s)7 (nov)-14 (no)-5.9 (\232)12 (k)6 (ol)-12 (s)12 (k)-8 (i o)-6 (d)14 (goj i o)8.1 (br)13 (a)-7 (z)-8 (ova)7 (n)8 (je)]TJ /T1_2 1 Tf (. )Tj 0 0 0 1 k /GS1 gs -0.01 Tc 0.01 Tw 0 -1.15 Td [(h)9 (t)7 (t)7 (p)-7 (s)-19.9 (://mzo.gov)51 (.hr/U)13 (s)-5.9 (erD)-11 (o)-13 (c)-8.9 (sImage)-6.9 (s/dokumen)9 (ti/O)-5 (bra)-6 (zov)-10 (an)9 (j)-6 (e/N)6 (ac)-5 (ionalniK)18.1 (ur)-8 (ikulum/N)6 (ac)-5 (ionalniK)18 (ur)-8 (i)]TJ 0 Tc 0 Tw (-)Tj -0.01 Tc 0.01 Tw 0 -1.15 Td [(kulumi/N)6 (ac)-5 (ionalni%20kur)-8 (ikulum%20z)-14 (a%20o)-6.9 (snov)-10 (no%C5%A1k)5 (ol)-5 (s)5 (k)-5.9 (i%20o)-13 (dgoj%20i%20obra)-6 (zov)-10 (an)9.1 (j)-6 (e.p)-13 (df)]TJ 0 0 0 rg /GS0 gs 0 Tc 0 Tw 41.628 0 Td ( )Tj 0 0 0 1 k /GS1 gs -43.628 -1.623 Td (57.)Tj /Span<>> BDC ( )Tj EMC 0 0 0 rg /GS0 gs 0.297 Tw 2 0 Td [(M)5 (one)-19 (y A)11 (dv)-10 (ic)8 (e S)-13 (er)-33 (v)-10 (ic)8.1 (e \(2014\). )]TJ /T1_1 1 Tf [(M)29 (one)-19 (y L)18 (ive)-15 (s)-23 (: the \037)8 (na)7 (nci)-12 (a)7 (l b)-6 (ehav)-13.9 (iou)8 (r of the U)-8 (K)]TJ /T1_2 1 Tf [(. M)-28 (A)-19 (S)-13 (. )]TJ 0 0 0 1 k /GS1 gs -0.007 Tc 0.007 Tw [(h)2 (ttp)-14 (s)-27 (:)-7 (/)-7 (/)]TJ 0.002 Tc -0.002 Tw 0 -1.15 Td [(\036nanc)-4.7 (i)-4.8 (alc)-7.7 (a)9.2 (p)-5.7 (a)7.2 (bility)51.3 (.gov)51.2 (.a)9.2 (u/\036le)-6.7 (s/r)6.2 (e)-5.7 (p)-12.8 (or)-11.8 (t_mone)-18.8 (y_adv)-9.8 (ic)8.2 (e_s)-5.7 (er)-32.7 (v)-9.8 (ic)8.2 (e_mone)-18.8 (y_live)-6.8 (s_t)6.2 (he_\036nanc)-4.8 (i)-4.7 (al_b)-12.8 (e)7.3 (ha)13.2 (v)-9.7 (iour_)]TJ 0 Tc 0 Tw 0 -1.15 Td [(of_t)6 (he_uk)-35.9 (.p)-13 (df)]TJ 0 0 0 rg /GS0 gs ( )Tj 0 0 0 1 k /GS1 gs -2 -1.623 Td (58.)Tj /Span<>> BDC ( )Tj EMC 0 0 0 rg /GS0 gs -0.034 Tw 2 0 Td [(M)5 (one)-19 (y A)11 (dv)-10 (ic)8 (e S)-13 (er)-33 (v)-10 (ic)8 (e \(2015\). )]TJ /T1_1 1 Tf [(F)21 (i)8 (na)7 (nci)-12 (a)7 (l C)-19 (a)7 (p)-10 (a)6.9 (bi)6.1 (l)8 (it)-7 (y i)8 (n the U)-8 (K 2015)]TJ /T1_2 1 Tf [(. 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FL)-6.9 (E)-5 (C)-21 (. )]TJ 0 0 0 1 k /GS1 gs [(h)9 (t)7 (t)7 (p)-7 (s)-20 (://\036le)-6.9 (s)-24 (.er)-8 (ic)-15.9 (.e)-14 (d.gov/f)-12.9 (ullt)6 (e)8 (x)8 (t/E)-7.9 (D603196.p)-13 (df)]TJ 0 0 0 rg /GS0 gs ( )Tj 0 0 0 1 k /GS1 gs -2 -1.663 Td (28.)Tj /Span<>> BDC ( )Tj EMC 0 0 0 rg /GS0 gs -0.017 Tw 2 0 Td [(F)34 (o)16 (x)-20 (, J., B)-13 (ar)-12 (t)6 (holomae, S)-12.9 (. & L)-6 (e)-14 (e, J. \(2005\). Building t)6 (he c)-8 (a)-12 (s)-6 (e f)6 (or \036nanc)-5 (i)-5 (al e)-14 (duc)-8 (a)9 (tion. )]TJ /T1_1 1 Tf [(J)12 (ou)8 (r)-13 (na)7 (l of C)-9 (on)-9 (s)7 (u)8 (mer )]TJ -0.008 Tc 0.008 Tw 0 -1.191 Td [(A)-8 (\035)-2 (a)-1 (ir)-21 (s)]TJ /T1_2 1 Tf 0 Tc 0 Tw 2.764 0 Td (, )Tj /T1_1 1 Tf (39)Tj /T1_2 1 Tf (\(1\), 195-214.)Tj 0 0 0 1 k /GS1 gs ( )Tj 0 0 0 rg /GS0 gs [(h)9 (t)7 (t)7 (p)-7 (s)-19.9 (://doi.or)10 (g/10.1111/j.1745-6606.2005.00009.x)]TJ 0 0 0 1 k /GS1 gs -4.764 -1.663 Td (29.)Tj /Span<>> BDC ( )Tj EMC 0 0 0 rg /GS0 gs 0.187 Tw 2 0 Td [(F)23 (racze)7 (k)-36 (, B. & Klimon)9.1 (t)6 (ow)-10 (icz)-28 (, M. \(2015\). F)23 (inanc)-5 (i)-4.9 (al lit)6 (erac)-25.9 (y and it)-11.9 (s in\027uenc)8 (e on young c)-6 (u)-5 (st)6 (omers\222 )]TJ 0 Tw 0 -1.191 Td [(de)-14 (c)-5 (i)-4.9 (sion f)-8 (ac)-5.9 (t)6 (ors)-24 (. )]TJ /T1_1 1 Tf [(J)12 (ou)8 (r)-12.9 (na)7 (l of I)17 (n)8 (novation M)8.1 (a)7 (na)6 (gement)]TJ /T1_2 1 Tf (, )Tj /T1_1 1 Tf (3)Tj /T1_2 1 Tf (\(1\), 62-84.)Tj 0 0 0 1 k /GS1 gs ( )Tj 0 -1.191 Td [(h)9 (t)7 (t)7 (p)-7 (s)-20 (://doi.or)10.1 (g/10.24840/2183-0606_003.001_0007)]TJ -2 -1.663 Td (30.)Tj /Span<>> BDC ( )Tj EMC 0 0 0 rg /GS0 gs 0.188 Tw 2 0 Td [(Gr)-8 (if)6 (oni, A)-36 (. & M)5 (e)-7 (ss)-7.9 (y)51 (, F)96 (. \(2012\). )]TJ /T1_1 1 Tf [(Cu)8 (r)-13 (rent St)-12 (atu)-11.9 (s of N)7 (ationa)7 (l)-15 (. Str)13 (ate)-8 (g)-21.9 (ie)-15 (s for F)21 (i)8 (na)7 (nci)-12 (a)7 (l Ed)8 (uc)-8 (ation)-26.9 (: A )]TJ 0.087 Tw 0 -1.191 Td [(C)-9 (om)8 (p)-10 (a)7 (r)13 (ative A)16.1 (na)6.9 (l)6.1 (y)-10 (s)7 (i)-12 (s a)7 (nd R)10.1 (ele)-16 (va)7 (nt P)-21 (r)13 (actice)-14.9 (s)]TJ /T1_2 1 Tf [(. P)4.9 (ar)-7.9 (i)-5 (s)-20 (: OE)-5 (C)-17.9 (D F)23.1 (inanc)-5 (i)-5 (al A\034)-7.9 (airs Div)-10 (i)-5 (sion. )]TJ 0 0 0 1 k /GS1 gs 0 Tw [(h)9 (t)7 (t)7 (p)-7 (s)-20 (://w)-20.9 (w)-21 (w)51 (.)]TJ 0.001 Tc -0.001 Tw 0 -1.191 Td [(o)-12.7 (e)-13.7 (c)8.3 (d-ilibrar)-32.7 (y)51.3 (.or)10.3 (g/do)-12.7 (c)-8.7 (s)-5.7 (er)-32.6 (ver/5k9b)-12.7 (c)-25.7 (wc)-5.6 (t7xmn-en.p)-12.7 (df?e)8.3 (x)8.3 (pir)6.3 (e)-6.7 (s=1565871848&id=id&ac)8.3 (c)-4.7 (name=g)-11.7 (ue)-6.7 (st&c)5.3 (h)]TJ 0 Tc 0 Tw 0 -1.191 Td [(e)-14 (c)5 (k)-17 (sum=807222A0A4FC7549964780F130686366)]TJ -2 -1.663 Td (31.)Tj /Span<>> BDC ( )Tj EMC 0 0 0 rg /GS0 gs -0.002 Tw 2 0 Td [(H)5 (a)-12 (sting)-8.9 (s)-24 (, J. S)-13 (., Madr)-8 (i)-4.9 (an, B. C)-21 (. & Sk)-6 (imm)12 (yhor)-7.9 (n, W)97 (. L)-27.9 (. \(2013\). F)23 (inanc)-5 (i)-5 (al lit)6 (erac)-26 (y)51 (, \036nanc)-5 (i)-5 (al e)-14 (duc)-7.9 (a)9 (tion and )]TJ 0 Tw 0 -1.191 Td [(e)-14 (c)8 (onomic out)6.1 (c)8 (ome)-7 (s)-23.9 (. )]TJ /T1_1 1 Tf [(A)16 (n)8 (n)8 (u)-12 (a)7 (l R)10 (e)-16 (v)-13.9 (ie)-16 (w of Econom)8.1 (ic)-14 (s)]TJ /T1_2 1 Tf (, )Tj /T1_1 1 Tf (5)Tj /T1_2 1 Tf (, 347-373.)Tj 0 0 0 1 k /GS1 gs ( )Tj 0 -1.191 Td [(h)9 (t)7 (t)7 (p)-7 (s)-20 (://doi.or)10.1 (g/10.1146/ann)9.1 (ur)6 (e)-19 (v)-9 (-e)-14 (c)8 (onomic)-8.9 (s)-13 (-082312-125807)]TJ -2 -1.663 Td (32.)Tj /Span<>> BDC ( )Tj EMC 0 0 0 rg /GS0 gs 0.018 Tw 2 0 Td [(H)5 (a)9 (t)6 (ha)13 (w)-10 (a)13 (y)51 (, I. & Kha)9.1 (tiw)-10 (ad)-5 (a)-22.9 (, S)-13 (. \(2008\). )]TJ /T1_1 1 Tf [(D)-15 (o \037)8 (na)7 (nci)-12 (a)7 (l e)-8 (d)8 (uc)-8 (ation prog)-21.9 (r)13 (a)7 (m)-9 (s work?)]TJ /T1_2 1 Tf [( F)34 (e)-14 (deral Re)-7 (s)-5.9 (er)-33 (ve B)-13 (ank of )]TJ 0 Tw -0 -1.191 Td [(C)-5 (le)-19 (ve)7 (l)-5 (and W)73.1 (or)6 (k)-6 (ing P)5.1 (a)9 (p)-13 (er No. 08-03. )]TJ 0 0 0 1 k /GS1 gs [(h)9 (t)7 (t)7 (p)-7 (s)-20 (://\036le)-6.9 (s)-24 (.er)-8 (ic)-16 (.e)-13.9 (d.gov/f)-13 (ullt)6.1 (e)8 (x)8 (t/E)-8 (D505617.p)-13 (df)]TJ 0 0 0 rg /GS0 gs (. )Tj 0 0 0 1 k /GS1 gs 0 -1.191 Td [(h)9 (t)7 (t)7 (p)-7 (s)-20 (://doi.or)10.1 (g/10.26509/f)-8.9 (rb)-13 (c)18 (-)-10 (w)-15 (p-200803)]TJ -2 -1.663 Td (33.)Tj /Span<>> BDC ( )Tj EMC 0 0 0 rg /GS0 gs -0.076 Tw 2 0 Td [(Hilger)-12 (t)-18.9 (, )0.5 (M. )0.5 (A)-36 (., )0.5 (H)6 (o)-4.9 (g)-6 (ar)-12 (t)6 (h, )0.5 (J. )0.6 (M. )0.5 (& )0.5 (B)-20 (e)-19 (ver)6 (ly)51.1 (, )0.5 (S)-13 (. )0.5 (G)-9 (. )0.6 (\(2003\). )0.5 (H)6 (ou)-5 (s)-6 (e)7 (hold )0.6 (\036nanc)-5 (i)-4.9 (al )0.5 (managemen)9 (t)-31 (: )0.5 (\037e )0.6 (c)8 (onne)-14 (c)-6 (tion )]TJ 0 Tw 0 -1.191 Td [(b)-13 (e)-6 (twe)-13.9 (en k)-6 (nowle)-14 (dge and b)-12.8 (e)7 (ha)13 (v)-10 (ior)73 (. )]TJ /T1_1 1 Tf [(F)29 (e)-8 (der)13 (a)7 (l R)10 (e)-14.9 (ser)-34 (ve B)5 (u)6 (l)6 (leti)8.1 (n)-10 (,)]TJ /T1_2 1 Tf ( )Tj /T1_1 1 Tf (89)Tj /T1_2 1 Tf (, 309-322. )Tj 0 0 0 1 k /GS1 gs -2 -1.663 Td (34.)Tj /Span<>> BDC ( )Tj EMC 0 0 0 rg /GS0 gs -0.002 Tw 2 0 Td [(H)6 (o)-5 (g)-6 (ar)-11.9 (t)6 (h, J. M. \(2006\). )]TJ /T1_1 1 Tf 9.26 0 Td [(F)21 (i)8 (na)7 (nci)-12 (a)7 (l Ed)8.1 (uc)-8 (ation a)7 (nd )0.5 (Econom)8 (ic D)-15 (e)-16 (velopment)-19 (, )0.5 (P)16 (a)7 (p)-6.1 (er prep)-10 (a)7 (re)-8 (d )0.5 (for I)17 (m)8 (prov)-14 (i)8.1 (n)4.9 (g )]TJ 0.035 Tw -9.26 -1.191 Td [(F)21 (i)8 (na)7 (nci)-12 (a)7 (l L)18 (iter)13.1 (ac)-9 (y)]TJ /T1_2 1 Tf [(. In In)9 (t)6 (er)-8 (na)9.1 (tional Conf)6 (er)6 (enc)8.1 (e ho)-7 (st)6 (e)-13.9 (d by t)6 (he R)13 (u)-5 (ssi)-4.9 (an G8 Pr)6 (e)-7 (sidenc)-26 (y in Co)-13 (op)-13 (era)9 (tion )]TJ 0 Tw 0 -1.191 Td [(w)-10 (it)6 (h t)6.1 (he OE)-5 (C)-18 (D \(pp. 29-30\). )]TJ 0 0 0 1 k /GS1 gs [(h)9 (t)7 (t)7 (p)-6.9 (s)-20 (://w)-21 (w)-20.9 (w)51 (.o)-13 (e)-14 (c)8 (d.or)10 (g/\036nanc)8.1 (e/\036nanc)-5 (i)-4.9 (al-e)-14 (duc)-8 (a)9.1 (tion/37742200.p)-13 (df)]TJ 0 0 0 rg /GS0 gs ( )Tj 0 0 0 1 k /GS1 gs -2 -1.663 Td (35.)Tj /Span<>> BDC ( )Tj EMC 0 0 0 rg /GS0 gs 0.33 Tw 2 0 Td [(Cr)6 (o)-6 (a)9 (ti)-5 (an )0.5 (C)-5 (hamb)-13 (er )0.5 (Of Commer)6 (c)8 (e )0.5 (\(2017\). )]TJ /T1_1 1 Tf [(Iz)-16 (v)-14 (je)-14.9 (\232\034e o re)-10.9 (a)6.9 (l)8.1 (i)-5 (z)-21 (aci)8 (ji prog)-22 (r)13 (a)7 (ma )0.5 (r)13 (ad)-12 (a H)-5 (GK z)-21 (a 2017. )]TJ -0.008 Tc 0.008 Tw 0 -1.191 Td [(g)-8 (o)-14 (dinu)]TJ /T1_2 1 Tf 0 Tc 0 Tw 2.82 0 Td (. )Tj 0 0 0 1 k /GS1 gs 4.691 0 Td [(h)9 (t)7 (t)7 (p)-7 (s)-20 (://w)-20.9 (w)-21 (w)51 (.hg)-5 (k)-36 (.hr/do)-12.9 (c)-6 (umen)9 (t)-12 (s/i)-9.9 (z)-14 (v)-15 (j)-6 (e)-7 (s)-6 (c)8 (e-o-r)6.1 (e)-9 (ali)-10 (z)-13.9 (ac)-5 (iji-)-16 (pr)6 (o)-4.9 (g)-11 (rama-rad)-4.9 (a-hg)-5 (k)27 (-)23 (z)-14 (a-2017-)]TJ -7.511 -1.191 Td [(go)-13 (din)9.1 (u5b3486c92cb06.p)-13 (df)]TJ 0 0 0 rg /GS0 gs ( )Tj 0 0 0 1 k /GS1 gs -2 -1.663 Td (36.)Tj /Span<>> BDC ( )Tj EMC 0 0 0 rg /GS0 gs 2 0 Td [(H)22 (u)-5 (st)6 (on, S)-12.9 (. J. \(2010\). M)5.1 (e)-9 (a)-12 (sur)-8 (ing F)23.1 (inanc)-5 (i)-4.9 (al L)-7 (it)6 (erac)-25.9 (y)51 (. )]TJ /T1_1 1 Tf [(J)12 (ou)8 (r)-13 (na)7 (l of C)-8.9 (on)-9 (s)7 (u)8 (mer A\035)6 (a)7 (i)8 (r)-13 (s)]TJ /T1_2 1 Tf (, )Tj /T1_1 1 Tf (44)Tj /T1_2 1 Tf (\(2\), 296-316.)Tj 0 0 0 1 k /GS1 gs ( )Tj 0 -1.191 Td [(h)9 (t)7 (t)7 (p)-7 (s)-20 (://doi.or)10.1 (g/10.1111/j.1745-6606.2010.01170.x)]TJ -2 -1.663 Td (37.)Tj /Span<>> BDC ( )Tj EMC 0 0 0 rg /GS0 gs 0.182 Tw 2 0 Td [(J)12 (a)9 (pp)-13 (e)7 (lli, T)88 (. & P)5 (adul)-5 (a)-22.9 (, M. \(2013\). In)12 (ve)-7 (stmen)9.1 (t in \036nanc)-4.9 (i)-5 (al lit)6 (erac)-25.9 (y and sa)13 (v)-10 (ing de)-14 (c)-4.9 (i)-5 (sions)-24 (. )]TJ /T1_1 1 Tf [(J)11.9 (ou)8.1 (r)-13 (na)7 (l of )]TJ 0 Tw 0 -1.191 Td [(B)-16 (a)7 (nk)-8 (i)8 (n)5 (g & F)21.1 (i)8 (na)7 (nce)]TJ /T1_2 1 Tf (, )Tj /T1_1 1 Tf (37)Tj /T1_2 1 Tf (\(8\), 2779-2792.)Tj 0 0 0 1 k /GS1 gs ( )Tj 0 0 0 rg /GS0 gs [(h)9 (t)7 (t)7 (p)-6.9 (s)-20 (://doi.or)10 (g/10.1016/j.jb)-5.9 (ank)-5.9 (\036n.2013.03.019)]TJ 0 0 0 1 k /GS1 gs -2 -1.663 Td (38.)Tj /Span<>> BDC ( )Tj EMC 0 0 0 rg /GS0 gs 0.104 Tw 2 0 Td [(J)5 (ohns)-6 (on, E)-24 (. & Sher)-7.9 (raden, M. S)-13 (. \(2007\). F)23.1 (r)6 (om \036nanc)-5 (i)-4.9 (al lit)6 (erac)-25.9 (y t)6 (o \036nanc)-5 (i)-5 (al c)-8 (a)9 (p)-6 (a)7 (bility among yout)6.1 (h. )]TJ /T1_1 1 Tf 0 Tw 0 -1.191 Td [(J)12 (ou)8 (r)-13 (na)7 (l of S)-5.9 (o)-6 (ciolog)-24.9 (y a)7 (nd S)-6 (o)-6 (ci)-12 (a)7 (l W)51.1 (elf)6 (a)7 (re)-24 (,)]TJ /T1_2 1 Tf ( )Tj /T1_1 1 Tf (34)Tj /T1_2 1 Tf (\(3\), 119-145.)Tj 0 0 0 1 k /GS1 gs -2 -1.663 Td (39.)Tj /Span<>> BDC ( )Tj EMC 0 0 0 rg /GS0 gs 0.077 Tw 2 0 Td [(K)8 (o)11 (zup, J. & H)6 (o)-5 (g)-6 (ar)-11.9 (t)6 (h, J. M. \(2008\). F)23 (inanc)-4.9 (i)-5 (al lit)6 (erac)-25.9 (y)51 (, public p)-13 (olic)-26 (y)51 (, and c)8 (onsumers\222 s)-6 (e)7 (lf)-5 (-)-15.9 (pr)6 (ot)6 (e)-14 (c)-6 (tion - )]TJ 0 Tw 0 -1.191 Td [(M)5 (or)6 (e que)-7 (stions)-23.9 (, f)6.1 (e)-19 (wer ans)-8 (wers)-23.9 (.)]TJ 0 0 0 1 k /GS1 gs ( )Tj 0 0 0 rg /GS0 gs /T1_1 1 Tf [(\036e J)12 (ou)8 (r)-13 (na)7 (l of C)-8.9 (on)-8.9 (s)6.9 (u)8.1 (mer A\035)6 (a)7 (i)8 (r)-13 (s)]TJ /T1_2 1 Tf (, )Tj /T1_1 1 Tf (42)Tj /T1_2 1 Tf (\(2\), 127-136.)Tj 0 0 0 1 k /GS1 gs ( )Tj 0 -1.191 Td [(h)9 (t)7 (t)7 (p)-7 (s)-20 (://doi.or)10.1 (g/10.1111/j.1745-6606.2008.00101.x)]TJ -2 -1.663 Td (40.)Tj /Span<>> BDC ( )Tj EMC 0 0 0 rg /GS0 gs 0.106 Tw 2 0 Td [(L)-6 (e)-19 (w)-10 (i)-4.9 (s)-24 (, S)-13 (. & M)5 (e)-7 (ss)-8 (y)51 (, F)96 (. A)-36 (. \(2012\). )]TJ /T1_1 1 Tf [(F)20.9 (i)8 (na)7 (nci)-11.9 (a)7 (l e)-8 (d)8 (uc)-7.9 (ation)-10 (, sav)-14 (i)8.1 (n)5 (g)-12 (s a)7 (nd i)8 (nve)-15 (stment)-12 (s)-23 (: A)16 (n over)-34 (v)-14 (ie)-15.9 (w)]TJ /T1_2 1 Tf [(. OE)-5 (C)-18 (D )]TJ 0 Tw 0 -1.191 Td [(W)73 (or)6 (k)-6 (ing P)5.1 (a)9 (p)-13 (ers on F)23 (inanc)8.1 (e, Insuranc)8.1 (e and Pr)-7.9 (iv)-10 (a)9 (t)6 (e P)23 (ensions)-23.9 (, No. 22, OE)-5 (C)-18 (D Publi)-5 (s)5 (hing)-28 (. )]TJ 0 0 0 1 k /GS1 gs 0 -1.191 Td [(h)9 (t)7 (t)7 (p)-7 (s)-20 (://doi.or)10.1 (g/10.1787/5k94g)-15.9 (xr)-33 (w760v)-9 (-en)]TJ -2 -1.663 Td (41.)Tj /Span<>> BDC ( )Tj EMC 0 0 0 rg /GS0 gs 0.038 Tw 2 0 Td [(L)9 (uc)8 (e)-19 (y)51 (, )0.5 (T)88 (. )0.6 (A)-36 (. )0.5 (\(2007\). )0.5 (\037e )0.6 (ar)-12 (t )0.5 (of )0.6 (r)6 (e)7 (l)-5 (a)9 (ting )0.5 (moral )0.6 (e)-14 (duc)-8 (a)9 (tion )0.6 (t)6 (o )0.5 (\036nanc)-5 (i)-5 (al )0.6 (e)-14 (duc)-8 (a)9 (tion: )0.6 (An )0.5 (e)-14 (quity )0.6 (im)9 (p)-13 (era)9 (tive. )]TJ /T1_1 1 Tf 0 Tw 0 -1.191 Td [(S)-6 (o)-6 (ci)-12 (a)7 (l Stud)8.1 (ie)-15 (s R)10 (e)-15 (se)-10.9 (a)7 (rc)8 (h a)7 (nd P)-21 (r)13 (actice)]TJ /T1_2 1 Tf (, )Tj /T1_1 1 Tf (2)Tj /T1_2 1 Tf (\(3\), 486-500.)Tj 0 0 0 1 k /GS1 gs -2 -1.663 Td (42.)Tj /Span<>> BDC ( )Tj EMC 0 0 0 rg /GS0 gs 0.155 Tw 2 0 Td [(L)9 (u\033)-5 (i\032)-15.9 (, A)-36 (., B)-13 (arbi\032)-15.9 (, D)26 (. & Er)6 (c)8 (e)-6 (g)-28 (, N)7 (. \(2020a\). )]TJ /T1_1 1 Tf [(F)21 (i)8 (na)7 (nci)-12 (a)7 (l S)-6 (o)-6 (ci)-12 (a)7 (l)8 (i)-5 (z)-20.9 (ation of C)-5 (h)8.1 (i)5.9 (ld)8 (ren)-27 (: Us)7 (i)8 (n)5 (g Ed)8.1 (uc)-8 (ation to )]TJ 0 Tw 0 -1.191 Td [(E)11 (ncou)8 (r)13 (a)6 (ge L)18 (ifeti)8.1 (me S)-10 (av)-13.9 (i)8 (n)5 (g)]TJ /T1_2 1 Tf [(. F)23 (ac)-6 (ulty of Ec)8.1 (onomic)-8.9 (s and Bu)-4.9 (sine)-7 (ss)-23.9 (, U)15 (niversity of Z)-23 (ag)-10.9 (r)6 (e)10 (b.)]TJ ET endstream endobj 43 0 obj <>stream q /GS0 gs 0 TL/Fm0 Do Q BT 0 0 0 0.48 k /GS0 gs /T1_0 1 Tf 8 0 0 8 417.9025 38.081 Tm (453)Tj ET q 0 g 0 TL/Fm1 Do Q BT 0 0 0 0.7 k /T1_1 1 Tf 7 0 0 7 175.2814 37.9417 Tm [(V)51 (ol)-15 (. 34, N)13.1 (o. 2 \(2021\), pp. 443-456)]TJ 0 0 0 1 k /GS1 gs /T1_2 1 Tf 9 0 0 9 42.5197 611.3379 Tm (8.)Tj /Span<>> BDC ( )Tj EMC 0 0 0 rg /GS0 gs 0.027 Tw 2 0 Td [(B)-13 (a)9 (t)7 (ty)51 (, M., Collins)-24 (, J. M. & O)-11 (dders)-12.9 (-)23 (Whit)6 (e, E)-24 (. \(2015\). E)-9.9 (x)8 (p)-13 (er)-8 (imen)9 (t)-6 (al e)-19 (v)-10 (idenc)8 (e on t)6 (he e\034)6 (e)-14 (c)-6 (t)-11.9 (s of \036nanc)-5 (i)-4.9 (al )]TJ 0.106 Tw 0 -1.13 Td [(e)-14 (duc)-8 (a)9.1 (tion on e)7 (lemen)9 (t)-5.9 (ar)-33 (y s)-6 (c)5 (ho)-13 (ol st)7 (uden)9 (t)-12 (s\222 k)-6 (nowle)-13.9 (dge, b)-13 (e)7 (ha)13 (v)-10 (ior)73.1 (, and a)9 (t)7 (tit)7 (ude)-7 (s)-24 (. )]TJ /T1_1 1 Tf [(J)12 (ou)8 (r)-13 (na)7 (l of C)-9 (on)-9 (s)7 (u)8 (mer )]TJ -0.008 Tc 0.008 Tw 0 -1.13 Td [(A)-8 (\035)-2 (a)-1 (ir)-21 (s)]TJ /T1_2 1 Tf 0 Tc 0 Tw 2.764 0 Td (, )Tj /T1_1 1 Tf (49)Tj /T1_2 1 Tf (\(1\), 69-96.)Tj 0 0 0 1 k /GS1 gs ( )Tj 0 0 0 rg /GS0 gs [(h)9 (t)7 (t)7 (p)-7 (s)-19.9 (://doi.or)10 (g/10.1111/j)-5.9 (o)-13 (c)-8 (a)-23 (.12058)]TJ 0 0 0 1 k /GS1 gs -4.764 -1.602 Td (9.)Tj /Span<>> BDC ( )Tj EMC 0 0 0 rg /GS0 gs 0.034 Tw 2 0 Td [(B)-13 (a)13 (yer)73 (, P)127 (. J., B)-20 (er)-8 (nheim, B. D)26 (. & S)-13 (c)5 (hol)-9.9 (z)-28 (, J. K)-28.9 (. \(1996\). )]TJ /T1_1 1 Tf [(\036e e\035e)-8 (ct)-11.9 (s of \037)8 (na)7 (nci)-12 (a)6.9 (l e)-8 (d)8.1 (uc)-8 (ation i)8 (n the work)-8 (pl)-12 (ace)-17 (: )]TJ 0.121 Tw 0 -1.13 Td [(E)23 (v)-14 (idence f)-13 (rom a s)7 (u)8 (r)-34 (ve)-18.9 (y of em)8 (ploy)-8 (er)-12.9 (s )]TJ /T1_2 1 Tf [(\(No. w5655\). N)6 (a)9 (tional Bur)6 (e)-9 (a)9 (u of Ec)8 (onomic Re)-7 (s)-6 (e)-8.9 (ar)6 (c)5 (h. )]TJ 0 0 0 1 k /GS1 gs -0.007 Tc 0.007 Tw [(h)2 (ttp)-14 (s)-27 (:)-7 (/)-7 (/)]TJ 0 Tc 0 Tw 0 -1.13 Td [(w)-21 (w)-21 (w)51 (.nb)-12.9 (er)73 (.or)10 (g/s)-8 (y)-5 (st)6.1 (em/\036le)-7 (s/wor)6.1 (k)-6 (ing_p)-6 (a)9 (p)-13 (ers/w5655/w5655.p)-12.9 (df)]TJ 0 0 0 rg /GS0 gs [(. h)9.1 (t)6.9 (t)7.1 (p)-7 (s)-20 (://doi.or)10 (g/10.3386/w5655)]TJ 0 0 0 1 k /GS1 gs -2 -1.602 Td (10.)Tj /Span<>> BDC ( )Tj EMC 0 0 0 rg /GS0 gs 0.004 Tw 2 0 Td [(B)-20 (e)-14 (c)8 (c)5 (he)-5.9 (t)7 (ti, L)-27.9 (., C)-10 (ai)-4.9 (a)-6 (z)-20 (z)-14 (a)-22.9 (, S)-13 (. & Cov)-10 (ie)7 (llo, D)26 (. \(2013\). F)23.1 (inanc)-5 (i)-5 (al Educ)-7.9 (a)9 (tion and In)12 (ve)-7 (stmen)8.9 (t A)25 (t)7 (tit)7 (ude)-7 (s in Hig)-5 (h )]TJ 0 Tw 0 -1.13 Td [(S)-13 (c)5 (ho)-13 (ol)-4.9 (s)-20 (: E)25 (v)-9.9 (idenc)8 (e f)-9 (r)6 (om a R)-10.9 (andomi)-9.9 (ze)-14 (d E)-10 (x)8 (p)-12.9 (er)-8 (imen)9 (t)-19 (. )]TJ /T1_1 1 Tf [(A)16 (ppl)8 (ie)-7.9 (d F)21 (i)8 (na)7 (nci)-12 (a)7 (l Econom)8 (ic)-14 (s)]TJ /T1_2 1 Tf (, )Tj /T1_1 1 Tf (23)Tj /T1_2 1 Tf (\(10\), 817-836.)Tj 0 0 0 1 k /GS1 gs ( )Tj 0 -1.13 Td [(h)9 (t)7 (t)7 (p)-7 (s)-20 (://doi.or)10.1 (g/10.1080/09603107.2013.767977)]TJ -2 -1.602 Td (11.)Tj /Span<>> BDC ( )Tj EMC 0 0 0 rg /GS0 gs 0.084 Tw 2 0 Td [(B)-20 (e)-14 (c)5 (k)-36 (, J. J. & G)-7 (ar)-8 (r)-8 (i)-5 (s)-23.9 (, R)-36 (. O)26 (. \(2019\). Manag)-11 (ing P)22.9 (ers)-5.9 (onal F)23 (inanc)8 (e L)-6.9 (it)6 (erac)-26 (y in t)6 (he U)15 (nit)6 (e)-14 (d S)5 (t)-6 (a)9 (t)6 (e)-6.9 (s)-20 (: A C)-9.9 (a)-12 (s)-6 (e )]TJ 0 Tw 0 -1.13 Td [(S)5 (t)7 (udy)51 (. )]TJ /T1_1 1 Tf [(Ed)8 (uc)-7.9 (ation S)-6 (cience)-14.9 (s)-16 (, 9)]TJ /T1_2 1 Tf (\(2\), 129.)Tj 0 0 0 1 k /GS1 gs ( )Tj 0 0 0 rg /GS0 gs [(h)9 (t)7 (t)7 (p)-7 (s)-20 (://doi.or)10.1 (g/10.3390/e)-14 (duc)-8.9 (s)-6 (c)-5 (i9020129)]TJ 0 0 0 1 k /GS1 gs -2 -1.602 Td (12.)Tj /Span<>> BDC ( )Tj EMC 0 0 0 rg /GS0 gs -0.066 Tw 2 0 Td [(B)-20 (or)6 (den, L)-27.9 (. M., L)-6 (e)-14 (e, S)-13 (. A)-36 (., S)-13 (er)-7.9 (ido, J. & Collins)-23.9 (, D)26 (. \(2008\). C)-5 (hang)-10.9 (ing c)8.1 (olle)-6 (ge st)7 (uden)9 (t)-12 (s\222 \036nanc)-5 (i)-5 (al k)-6 (nowle)-13.9 (dge, )]TJ 0.051 Tw 0 -1.13 Td [(a)9 (t)7 (tit)7 (ude)-6.9 (s)-24 (, and b)-12.9 (e)6.9 (ha)13.1 (v)-10 (ior t)6 (hr)6 (oug)-5 (h s)-5.9 (eminar p)-6 (ar)-12 (tic)-4.9 (ip)-6 (a)9 (tion. )]TJ /T1_1 1 Tf [(J)12 (ou)8 (r)-12.9 (na)7 (l of F)42 (a)7 (m)8 (i)6 (l)6 (y a)7 (nd Econom)8 (ic I)10 (ss)7 (ue)-15 (s)-16 (, 29)]TJ /T1_2 1 Tf 0 Tw (\(1\), )Tj 0 -1.13 Td (23-40.)Tj 0 0 0 1 k /GS1 gs ( )Tj 0 0 0 rg /GS0 gs [(h)9 (t)7 (t)7 (p)-7 (s)-19.9 (://doi.or)10 (g/10.1007/s10834-007-9087-2)]TJ 0 0 0 1 k /GS1 gs -2 -1.602 Td (13.)Tj /Span<>> BDC ( )Tj EMC 0 0 0 rg /GS0 gs 0.09 Tw 2 0 Td [(Bra)9 (unst)6 (ein, S)-13 (. & W)73 (e)7 (lc)5 (h, C)-21 (. \(2002\). F)23 (inanc)-4.9 (i)-5 (al lit)6.1 (erac)-26 (y)-30 (: An over)-33 (v)-10 (ie)-19 (w of prac)-6 (tic)8 (e, r)6 (e)-6.9 (s)-6 (e)-9 (ar)6 (c)5 (h, and p)-13 (olic)-26 (y)51 (. )]TJ /T1_1 1 Tf 0 Tw 0 -1.13 Td [(F)29 (e)-8 (der)13 (a)7 (l R)10 (e)-14.9 (ser)-34 (ve B)5 (u)6 (l)6 (leti)8.1 (n)]TJ /T1_2 1 Tf (, )Tj /T1_1 1 Tf (88)Tj /T1_2 1 Tf (\(11\), 445-457.)Tj 0 0 0 1 k /GS1 gs ( )Tj 0 0 0 rg /GS0 gs [(h)9 (t)7 (t)7 (p)-7 (s)-20 (://doi.or)10.1 (g/10.17016/bulle)-5.9 (tin.2002.88-11)]TJ 0 0 0 1 k /GS1 gs -2 -1.602 Td (14.)Tj /Span<>> BDC ( )Tj EMC 0 0 0 rg /GS0 gs 0.07 Tw 2 0 Td [(Br)6 (ow)-10 (n, )0.5 (A)-36 (., )0.5 (Collins)-23.9 (, )0.5 (J. M., )0.5 (S)-13 (c)5 (hmei)-4.9 (s)-6 (er)73 (, )0.5 (M. D)26 (. )0.5 (& )0.5 (U)15 (rb)-6 (an, )0.5 (C)-21 (. )0.5 (\(2014\). )]TJ /T1_1 1 Tf 27.008 0 Td [(St)-12 (ate )0.5 (ma)7 (nd)-12 (ate)-7.9 (d \037)8 (na)6.9 (nci)-11.9 (a)7 (l )0.5 (e)-8 (d)8 (uc)-8 (ation )]TJ 0.178 Tw -27.008 -1.13 Td [(a)7 (nd )0.6 (the )0.5 (cre)-7.9 (d)8 (it )0.5 (b)-5.9 (ehav)-14 (ior )0.6 (of )0.5 (y)-8 (ou)8 (n)5 (g )0.6 (ad)8 (u)6 (lt)-12 (s)]TJ /T1_2 1 Tf [(. )0.6 (Div)-10 (i)-4.9 (sions )0.6 (of )0.5 (Re)-7 (s)-6 (e)-8.9 (ar)6 (c)5 (h )0.5 (& )0.6 (S)5 (t)-6 (a)9 (ti)-5 (stic)-9 (s )0.6 (and )0.6 (M)4.9 (one)-5.9 (t)-6 (ar)-33 (y )0.6 (A\034)-8 (airs )]TJ -0.029 Tw 0 -1.13 Td [(F)34 (e)-14 (deral Re)-6.9 (s)-6 (er)-33 (ve B)-20 (o)-6 (ar)6 (d, W)68 (a)-12 (s)5 (hing)-11.9 (t)6 (on, D)-24.9 (C)-21 (, F)23 (inanc)8.1 (e and Ec)8 (onomic)-9 (s Di)-5 (s)-5.9 (c)-6 (u)-5 (ssion S)-13 (er)-8 (ie)-7 (s \(2014-68\). )]TJ 0 0 0 1 k /GS1 gs -0.007 Tc 0.007 Tw [(h)2 (ttp)-14 (s)-27 (:)-7 (/)-7 (/)]TJ 0.006 Tc -0.006 Tw 0 -1.13 Td [(w)-21.1 (w)-21.1 (w)50.9 (.c)-6.1 (t)5.9 (hou)-5.1 (s)-6.1 (e)-6.1 (gop.c)7.9 (om/w)-15.2 (p-c)7.9 (on)8.9 (t)5.9 (en)8.8 (t/uplo)-6.1 (ad)-5.1 (s/2015/06/S)4.9 (t)-6.1 (a)8.9 (t)5.9 (e-Mand)-5.1 (a)8.9 (t)5.9 (e)-14.1 (d-F)22.9 (inanc)-5.1 (i)-5.1 (al-Educ)-8.1 (a)8.9 (tion-and-)-16.1 (t)5.8 (he-)]TJ 0 Tc 0 Tw 0 -1.13 Td [(Cr)6 (e)-14 (dit)31.1 (-B)-20 (e)7 (ha)13 (v)-10 (ior)27 (-of)-5 (-)53 (Y)94 (oung-A)11.1 (dult)-12 (s)-13 (-F)34 (e)-13.9 (deral-Re)-6.9 (s)-6 (er)-33 (ve-B)-20 (o)-6 (ar)6 (d-2014.p)-12.9 (df)]TJ 0 0 0 rg /GS0 gs (. )Tj 0 0 0 1 k /GS1 gs 0 -1.13 Td [(h)9 (t)7 (t)7 (p)-7 (s)-20 (://doi.or)10.1 (g/10.17016/FE)-7.9 (D)-7 (S)-13 (.2014.68)]TJ -2 -1.602 Td (15.)Tj /Span<>> BDC ( )Tj EMC 0 0 0 rg /GS0 gs 0.071 Tw 2 0 Td [(Br)6 (ow)-10 (n, M., Gr)-8 (ig)-9 (s)6 (by)51 (, J., V)68 (an D)-11 (er Kl)-4.9 (aa)9 (uw)51 (, W)97 (., W)73 (en, J. & Z)-23 (af)-8 (ar)73.1 (, B. \(2016\). F)23 (inanc)-5 (i)-4.9 (al e)-13.9 (duc)-8 (a)9 (tion and t)6 (he )]TJ 0 Tw 0 -1.13 Td [(de)10 (bt b)-12.9 (e)7 (ha)13 (v)-10 (ior of t)6.1 (he young)-28 (. )]TJ /T1_1 1 Tf [(\036e R)10.1 (e)-16 (v)-14 (ie)-16 (w of F)21.1 (i)8 (na)7 (nci)-12 (a)7 (l Stud)8.1 (ie)-15 (s)]TJ /T1_2 1 Tf (, )Tj /T1_1 1 Tf (29)Tj /T1_2 1 Tf (\(9\), 2490-2522.)Tj 0 0 0 1 k /GS1 gs ( )Tj 0 -1.13 Td [(h)9 (t)7 (t)7 (p)-7 (s)-20 (://doi.or)10.1 (g/10.1093/r)-7.9 (f)-5 (s/hh)12 (w006)]TJ -2 -1.602 Td (16.)Tj /Span<>> BDC ( )Tj EMC 0 0 0 rg /GS0 gs 0.092 Tw 2 0 Td [(C)-10 (ar)6 (lin, B. I. & Robins)-5.9 (on, D)26 (. T)88 (. \(2012\). Wha)9 (t D)-11 (o)-13 (e)-7 (s F)23 (inanc)-4.9 (i)-5 (al L)-7 (it)6 (erac)-25.9 (y T)65 (raining T)103 (e)-8.9 (ac)5 (h U)13 (s? )]TJ /T1_1 1 Tf [(J)12 (ou)8 (r)-12.9 (na)7 (l of )]TJ 0 Tw 0 -1.13 Td [(Econom)8 (ic Ed)8.1 (uc)-8 (ation)]TJ /T1_2 1 Tf (, )Tj /T1_1 1 Tf (43)Tj /T1_2 1 Tf (\(3\), 235-247.)Tj 0 0 0 1 k /GS1 gs ( )Tj 0 0 0 rg /GS0 gs [(h)9 (t)7 (t)7 (p)-6.9 (s)-20 (://doi.or)10.1 (g/10.1080/00220485.2012.686385)]TJ 0 0 0 1 k /GS1 gs -2 -1.602 Td (17.)Tj /Span<>> BDC ( )Tj EMC 0 0 0 rg /GS0 gs 0.127 Tw 2 0 Td [(C)-5 (hen, W)97 (. & H)6 (e)-9 (a)9.1 (t)6 (h, J. A)-36 (. \(2012\). \037e e\035c)-8 (ac)-26 (y of \036nanc)-5 (i)-5 (al e)-13.9 (duc)-8 (a)9 (tion in t)6 (he e)-8.9 (ar)6 (ly g)-11 (rade)-7 (s)-23.9 (. Ref)-8.9 (raming )]TJ -0.037 Tw 0 -1.13 Td [(\036nanc)-4.9 (i)-5 (al lit)6 (erac)-26 (y)-30 (: E)-10 (x)8 (plor)-8 (ing t)6 (he v)-10 (alue of s)-6 (o)-12.9 (c)-5 (i)-5 (al c)-6 (ur)-8 (r)6 (enc)-25.9 (y)51 (. In L)9 (uc)8 (e)-19 (y)51 (, T)88 (. A)-36 (. & L)-22 (ane)-19 (y)51 (, J. D)26 (. \(Ed)-5 (s)-23.9 (.\), )]TJ /T1_1 1 Tf -0.008 Tc 0.008 Tw [(R)2 (e)-8 (f)-20.9 (r)5 (a)-1 (min)-3 (g)-8 ( )]TJ 0 Tc 0 Tw 0 -1.13 Td [(\037)8 (na)7 (nci)-12 (a)7 (l l)8.1 (iter)13 (ac)-9 (y)-22 (: E)-28.9 (xplor)-13 (i)8 (n)5 (g the va)7.1 (l)8 (ue of so)-5.9 (ci)-12 (a)7 (l cu)8 (r)-13 (renc)-8.9 (y)]TJ /T1_2 1 Tf [( \(pp. 189-207\). Inf)6 (or)-8 (ma)9 (tion Age Publi)-5 (s)5 (hing)-28 (.)]TJ 0 0 0 1 k /GS1 gs -2 -1.602 Td (18.)Tj /Span<>> BDC ( )Tj EMC 0 0 0 rg /GS0 gs 0.073 Tw 2 0 Td [(Co)-13 (omb)-6.9 (s)-24 (, P)127 (. H. & Ahme)-14 (d, M. \(1974\). )]TJ /T1_1 1 Tf [(Att)-12 (ac)8 (k)-8 (i)8 (n)5 (g R)8 (u)8 (r)13 (a)7 (l Pover)-13.9 (t)-7 (y)-22 (: H)18 (ow N)13 (onfor)-13 (ma)7 (l Ed)8 (uc)-8 (ation C)-18.9 (a)7 (n H)18 (el)8 (p)]TJ /T1_2 1 Tf 0 Tw (. )Tj 0.258 Tw 0 -1.13 Td [(A Re)-6.9 (s)-6 (e)-9 (ar)6 (c)5 (h Re)-5.9 (p)-13 (or)-12 (t f)6.1 (or t)6 (he W)73.1 (or)6 (ld B)-13 (ank Pr)6 (e)-6 (p)-6 (ar)6 (e)-14 (d by t)6 (he In)9 (t)6 (er)-8 (na)9 (tional Counc)-5 (il f)6 (or Educ)-8 (a)9 (tional )]TJ 0 Tw 0 -1.13 Td [(D)-11 (e)-19 (ve)7 (lopmen)9.1 (t)-19 (. )]TJ 0 0 0 1 k /GS1 gs [(h)9 (t)7 (t)7 (p)-7 (s)-20 (://er)-7.9 (ic)-16 (.e)-14 (d.gov/?id=E)-7.9 (D118340)]TJ 0 0 0 rg /GS0 gs ( )Tj 0 0 0 1 k /GS1 gs -0.02 Tw -2 -1.602 Td (19.)Tj /Span<>> BDC ( )Tj EMC 2 0 Td [(Counc)-5 (il f)6 (or Ec)8 (onomic Educ)-7.9 (a)9 (tion \(2011\). )]TJ /T1_1 1 Tf [(S)12 (u)8 (r)-33.9 (ve)-19 (y of the St)-12 (ate)-15 (s 2011: \036e St)-12 (ate of Econom)8.1 (ic a)7 (nd Per)-13 (sona)6.9 (l )]TJ -0.065 Tw 0 -1.13 Td [(F)21 (i)8 (na)7 (nce Ed)8 (uc)-7.9 (ation i)8 (n O)-18 (u)8 (r N)7 (ation)32 (\222)42 (s S)-6 (c)8.1 (ho)-6 (ol)-12 (s)]TJ /T1_2 1 Tf [(. C)-18 (E)-8 (E)-23.9 (. h)9 (t)7 (t)7 (p://w)-21 (w)-20.9 (w)51 (.c)8 (ounc)-5 (ilf)6 (or)6 (e)-14 (c)8.1 (one)-14 (d.or)10 (g/ne)-19 (w)-5 (s)-12.9 (-inf)6 (or)-8 (ma)9 (tion/)]TJ 0 Tw 0 -1.13 Td [(sur)-33 (ve)-19 (y)-8.9 (-of)-5 (-)-16 (t)6 (he-)-9.9 (st)-6 (a)9 (t)6 (e)-7 (s/ )]TJ -0.04 Tw -2 -1.602 Td (20.)Tj /Span<>> BDC ( )Tj EMC 2 0 Td [(Counc)-5 (il f)6 (or Ec)8.1 (onomic Educ)-8 (a)9 (tion \(2013\). )]TJ /T1_1 1 Tf [(N)7 (ationa)7 (l St)-12 (a)7 (nd)-12 (a)7 (rd)-11.9 (s for F)21 (i)8 (na)7 (nci)-12 (a)7 (l L)18 (iter)13 (ac)-8.9 (y)]TJ /T1_2 1 Tf [(. C)-18 (E)-8 (E)-23.9 (. h)9 (t)7 (t)7 (p)-7 (s)-20 (://w)-20.9 (w)-21 (w)51 (.)]TJ 0 Tw 0 -1.13 Td [(c)8 (ounc)-5 (ilf)6.1 (or)6 (e)-14 (c)8 (one)-14 (d.or)10.1 (g/w)-15 (p-c)8 (on)9 (t)6 (en)9 (t/uplo)-5.9 (ad)-5 (s/2013/02/na)9.1 (tional-)-9.9 (st)-6 (and)-5 (ar)6 (d)-4.9 (s)-13 (-f)6 (or)27 (-\036nanc)-5 (i)-5 (al-lit)6 (erac)-26 (y)51 (.p)-12.9 (df )]TJ -2 -1.602 Td (21.)Tj /Span<>> BDC ( )Tj EMC 0 0 0 rg /GS0 gs 0.495 Tw 2 0 Td [(Cr)6 (o)-6 (a)9 (ti)-5 (an P)5 (ar)6 (li)-5 (amen)9.1 (t \(2016\). )]TJ /T1_1 1 Tf [(Cjelov)-13.9 (it)-12 (a k)-8 (u)8 (r)-13 (i)6.1 (k)-8 (u)6 (l)-12 (a)7 (r)-13 (na refor)-12.9 (ma)-24 (.)]TJ /T1_2 1 Tf 0 Tw ( )Tj 0 0 0 1 k /GS1 gs 27.786 0 Td [(h)9 (t)7 (t)7 (p)-7 (s)-20 (://sa)7 (b)-13 (or)73 (.hr/sit)6 (e)-7 (s/def)-7.9 (a)9 (ult/\036le)-7 (s/)]TJ -27.786 -1.13 Td [(uplo)-6 (ad)-4.9 (s/inline-\036le)-6.9 (s/J)5 (ok)-6 (ic_C)14.1 (j)-6 (e)7 (lov)-10 (it)-6 (a%20kur)-7.9 (ikul)-5 (ar)-8 (na%20r)6 (ef)6.1 (or)-8 (ma)-23 (.p)-13 (df)]TJ 0 0 0 rg /GS0 gs ( )Tj 0 0 0 1 k /GS1 gs -2 -1.602 Td (22.)Tj /Span<>> BDC ( )Tj EMC 0 0 0 rg /GS0 gs 0.096 Tw 2 0 Td [(Cr)6 (o)-7 (s)-6 (on, R)-36 (. & Gne)-13.9 (ez)-14 (y)51 (, U)40.9 (. \(2009\). G)-18 (ender di\034)6 (er)6 (enc)8.1 (e)-7 (s in pr)6 (ef)6 (er)6.1 (enc)8 (e)-7 (s)-24 (. )]TJ /T1_1 1 Tf [(J)12 (ou)8 (r)-13 (na)7 (l of Econom)8 (ic L)17.9 (iter)13 (atu)8 (re)]TJ /T1_2 1 Tf 0 Tw (, )Tj /T1_1 1 Tf 0 -1.13 Td (47)Tj /T1_2 1 Tf (\(2\), 448-474.)Tj 0 0 0 1 k /GS1 gs ( )Tj 0 0 0 rg /GS0 gs [(h)9 (t)7 (t)7 (p)-7 (s)-20 (://doi.or)10.1 (g/10.1257/j)-5.9 (e)6.9 (l.47.2.448)]TJ 0 0 0 1 k /GS1 gs -2 -1.602 Td (23.)Tj /Span<>> BDC ( )Tj EMC 0 0 0 rg /GS0 gs -0.025 Tw 2 0 Td [(D)-6 (ar)6 (e, S)-13 (. E)-24 (., v)-10 (an Dijk)-35.9 (, W)97 (. W)97 (., v)-10 (an Dijk)-36 (, E)-24 (., v)-10 (an Dillen, L)-28 (. F)96 (., G)-7 (alluc)8.1 (c)-5 (i, M. & Simons)-6 (e, O)26 (. \(2020\). \037e e\034)6 (e)-14 (c)-6 (t )]TJ 0.015 Tw 0 -1.13 Td [(of \036nanc)-5 (i)-4.9 (al e)-13.9 (duc)-8 (a)9 (tion on pupil)-5 (s\222 \036nanc)-4.9 (i)-5 (al k)-6 (nowle)-14 (dge and s)5 (k)-6 (ill)-5 (s)-19.9 (: E)25 (v)-10 (idenc)8 (e f)-9 (r)6 (om a S)-12.9 (olomon f)5.9 (our)27 (-g)-11 (r)6 (oup )]TJ 0 Tw 0 -1.13 Td [(de)-7 (sig)-10.9 (n. )]TJ /T1_1 1 Tf [(\036e J)12 (ou)8 (r)-12.9 (na)7 (l of Ed)8 (uc)-8 (ationa)7.1 (l R)10 (e)-15 (se)-11 (a)7 (rc)8 (h)-9.9 (, 113)]TJ /T1_2 1 Tf (\(2\), 93-107.)Tj 0 0 0 1 k /GS1 gs ( )Tj 0 -1.13 Td [(h)9 (t)7 (t)7 (p)-7 (s)-20 (://doi.or)10.1 (g/10.1080/00220671.2020.1733453)]TJ -2 -1.602 Td (24.)Tj /Span<>> BDC ( )Tj EMC 0 0 0 rg /GS0 gs -0.007 Tw 2 0 Td [(Elliot)7.1 (t)-19 (, W)97 (. & N)6 (am, I. \(2012\). Dir)6 (e)-14 (c)-6 (t e\034)6 (e)-14 (c)-6 (t)-12 (s of a)-11.9 (ss)-6 (e)-6 (t)-12 (s and sa)13 (v)-9.9 (ing)-9 (s on t)6 (he c)8.1 (olle)-6 (ge pr)5.9 (o)-4.9 (g)-11 (r)6 (e)-7 (ss of bl)-4.9 (ac)5 (k young )]TJ 0 Tw 0 -1.13 Td [(adult)-11.9 (s)-24 (. )]TJ /T1_1 1 Tf [(Ed)8 (uc)-8 (ationa)7.1 (l E)23 (va)7 (l)8 (u)-12 (ation a)7.1 (nd Pol)8 (ic)-9 (y A)16.1 (na)7 (l)6 (y)-10 (s)7 (i)-12 (s)]TJ /T1_2 1 Tf (, )Tj /T1_1 1 Tf (34)Tj /T1_2 1 Tf (\(1\), 89-108.)Tj 0 0 0 1 k /GS1 gs ( )Tj 0 -1.13 Td [(h)9 (t)7 (t)7 (p)-7 (s)-20 (://doi.or)10.1 (g/10.3102/0162373711425957)]TJ ET endstream endobj 41 0 obj <>stream q /GS0 gs 0 TL/Fm0 Do Q BT 0 0 0 0.48 k /GS0 gs /T1_0 1 Tf 8 0 0 8 51.7135 38.081 Tm (452)Tj ET q 0 g 0 TL/Fm1 Do Q BT 0 0 0 0.7 k /T1_1 1 Tf 7 0 0 7 212.4882 37.9417 Tm [(V)51 (ol)-15 (. 34, N)13.1 (o. 2 \(2021\), pp. 443-456)]TJ 0 0 0 1 k /GS1 gs /T1_2 1 Tf 9 0 0 9 42.5197 288.1883 Tm [(R\031)7 (\030)11 (\031)7 (\034\031)7 (\027\032\031)-10 (\036)]TJ /T1_3 1 Tf 0 -2.908 Td (1.)Tj /Span<>> BDC ( )Tj EMC 0 0 0 rg /GS0 gs -0.055 Tw 2 0 Td [(Almenb)-12.9 (er)10 (g)-28 (, J. & Dr)6 (e)10 (b)-13 (er)73 (, A)-36 (. \(2015\). G)-17.9 (ender)73 (, st)6.1 (o)-13 (c)5 (k mar)6 (k)5 (e)-6 (t p)-5.9 (ar)-12 (tic)-5 (ip)-5.9 (a)8.9 (tion and \036nanc)-5 (i)-5 (al lit)6 (erac)-26 (y)51 (. )]TJ /T1_1 1 Tf 0 Tw [(Econom)8 (ic)-14 (s )]TJ 0 -1.175 Td [(Letter)-12.9 (s)]TJ /T1_3 1 Tf (, )Tj /T1_1 1 Tf (737)Tj /T1_3 1 Tf (, 140-142.)Tj 0 0 0 1 k /GS1 gs ( )Tj 0 0 0 rg /GS0 gs [(h)9 (t)7 (t)7 (p)-7 (s)-20 (://doi.or)10.1 (g/10.1016/j.e)-13.9 (c)8 (onle)-6 (t)-19 (.2015.10.009)]TJ 0 0 0 1 k /GS1 gs -2 -1.648 Td (2.)Tj /Span<>> BDC ( )Tj EMC 0 0 0 rg /GS0 gs -0.032 Tw 2 0 Td [(Amag)-11 (ir)73.1 (, A)-36 (., Gr)6 (o)-13 (ot)-19 (, W)96.9 (., Maa)-12 (ss)-5.9 (en v)-10 (an den Br)-8 (ink)-36 (, H. & W)47 (il)-5 (s)-5.9 (c)5 (h)9 (ut)-19 (, A)-36 (. \(2018\). A r)6 (e)-19 (v)-10 (ie)-19 (w of \036nanc)-5 (i)-5 (al-lit)6 (erac)-26 (y )]TJ -0.014 Tw 0 -1.175 Td [(e)-14 (duc)-8 (a)9.1 (tion pr)6 (o)-5 (g)-10.9 (rams f)6.1 (or c)5 (hildr)6.1 (en and adole)-6.9 (s)-6 (c)8 (en)9 (t)-12 (s)-24 (. )]TJ /T1_1 1 Tf [(Citi)-5 (z)-8 (en)-8.9 (s)12 (h)8 (i)8 (p, S)-6 (o)-6 (ci)-11.9 (a)6.9 (l a)7 (nd Econom)8 (ic)-14 (s Ed)8 (uc)-8 (ation)-10 (,)]TJ /T1_3 1 Tf 0 Tw ( )Tj /T1_1 1 Tf 39.699 0 Td (17)Tj /T1_3 1 Tf (\(1\), )Tj -39.699 -1.175 Td (56-80.)Tj 0 0 0 1 k /GS1 gs ( )Tj 0 0 0 rg /GS0 gs [(h)9 (t)7 (t)7 (p)-7 (s)-19.9 (://doi.or)10 (g/10.1177/2047173417719555)]TJ 0 0 0 1 k /GS1 gs -2 -1.648 Td (3.)Tj /Span<>> BDC ( )Tj EMC 0 0 0 rg /GS0 gs 0.077 Tw 2 0 Td [(A)25 (t)6 (k)-6 (ins)-5.9 (on, A)-36 (. & M)4.9 (e)-6.9 (ss)-8 (y)51 (, F)96 (. A)-36 (. \(2012\). )]TJ /T1_1 1 Tf [(M)29 (e)-11 (a)-18 (s)7 (u)8 (r)-12.9 (i)8 (n)5 (g \037)8 (na)7 (nci)-12 (a)7 (l l)8 (iter)13 (ac)-9 (y)-22 (: R)10 (e)-15 (s)7 (u)6 (lt)-12 (s of the OEC)-16 (D/I)17 (nter)-13 (nationa)6.9 (l )]TJ -0.023 Tw 0 -1.175 Td [(N)13 (et)-17 (work on F)21 (i)8 (na)7.1 (nci)-12 (a)7 (l Ed)8 (uc)-8 (ation \()-23 (IN)-5.9 (F)-17 (E)7 (\) pi)6 (lot stud)6 (y)]TJ /T1_3 1 Tf [(. OE)-4.9 (C)-18 (D W)73 (or)6 (k)-6 (ing P)5 (a)9 (p)-13 (ers on F)23 (inanc)8 (e, Insuranc)8.1 (e and )]TJ 0 Tw 0 -1.175 Td [(Pr)-8 (iv)-10 (a)9 (t)6.1 (e P)23 (ensions)-24 (, No. 15, OE)-4.8 (C)-18 (D)26 (. )]TJ 0 0 0 1 k /GS1 gs [(h)9 (t)7 (t)7 (p)-7 (s)-20 (://doi.or)10.1 (g/10.1787/5k9c)-8.9 (sf)-5 (s90f)-9 (r4-en)]TJ -0.01 Tc 0.01 Tw -2 -1.648 Td (4.)Tj /Span<>> BDC ( )Tj EMC 0 0 0 rg /GS0 gs 0.067 Tw 2 0 Td [(A)25 (t)6 (k)-6 (ins)-6 (on, )0.6 (A)-36 (. )0.5 (& )0.6 (M)5 (e)-7 (ss)-8 (y)51.1 (, )0.5 (F)96 (. )0.6 (A)-36 (. )0.5 (\(2013\). )]TJ /T1_1 1 Tf 14.84 0 Td [(P)-21 (romoti)8 (n)5 (g )0.6 (\037)8 (na)7 (nci)-12 (a)7 (l )0.6 (i)8 (nc)8 (l)8 (u)-12 (s)7.1 (ion )0.5 (th)8.1 (rou)14 (gh )0.6 (\037)8 (na)7 (nci)-12 (a)7 (l )0.6 (e)-8 (d)8 (uc)-8 (ation)-27 (: )0.6 (OEC)-16 (D/)]TJ 0.374 Tw -14.84 -1.175 Td [(IN)-6 (F)-17 (E e)-16 (v)-13.9 (idence)-24 (, p)-6 (ol)8 (icie)-15 (s a)7 (nd pr)13 (actice)]TJ /T1_3 1 Tf 0.01 Tw (. )Tj 0 0 0 1 k /GS1 gs 16.806 0 Td [(h)9 (t)7 (t)7 (p)-7 (s)-19.9 (://w)-21 (w)-21 (w)51.1 (.s)-6 (eman)9 (tic)-9 (s)-6 (c)5 (hol)-4.9 (ar)73 (.or)10 (g/p)-6 (a)9 (p)-13 (er/Pr)6.1 (omoting-F)23 (inanc)-4.9 (i)-5 (al-)]TJ -16.806 -1.175 Td [(Inc)5 (lu)-4.9 (sion-)-15.9 (t)6 (hr)6 (oug)-5 (h-F)23 (inanc)-5 (i)-4.9 (al-and-A)25 (t)6 (k)-6 (ins)-6 (on-M)5 (e)-6.9 (ss)-8 (y/f6\0341657b75f110d0463a0e17b)-6 (a99d10f7726752?p2df)]TJ 0 0 0 rg /GS0 gs 0 Tc 0 Tw 41.662 0 Td ( )Tj 0 0 0 1 k /GS1 gs -43.662 -1.648 Td (5.)Tj /Span<>> BDC ( )Tj EMC 0 0 0 rg /GS0 gs 0.411 Tw 2 0 Td [(A)25 (u)-5 (strali)-4.9 (an S)-13 (e)-14 (c)-6 (ur)-8 (itie)-6.9 (s and In)12 (ve)-7 (stmen)9.1 (t)-12 (s Commi)-4.9 (ssion \(2017\). )]TJ /T1_1 1 Tf [(I)17 (ndep)-6 (endent e)-16 (va)7 (l)8 (u)-12 (ation of AS)8.9 (I)-4.9 (C)12 (\222)42 (s )]TJ 0.345 Tw 0 -1.175 Td [(M)29 (one)-19 (yS)12 (ma)7 (r)-14 (t T)96 (e)-11 (ac)8 (h)8 (i)8 (n)5 (g P)-21 (rog)-21.9 (r)13 (a)6.9 (m)]TJ /T1_3 1 Tf [(. A)-19 (S)5 (I)-6 (C)-21 (. )]TJ 0 0 0 1 k /GS1 gs 0 Tw [(h)9 (t)7 (t)7 (p)-7 (s)-20 (://a)-11.9 (sic)-16 (.gov)51.1 (.a)9 (u/r)6 (e)-6 (g)-12 (ul)-5 (a)9 (t)6 (or)-32.9 (y)-9 (-r)6 (e)-7 (s)-6 (our)6 (c)8 (e)-7 (s/\036nd-a-do)-13 (c)-6 (umen)9 (t/)]TJ 0 -1.175 Td [(r)6 (e)-6 (p)-13 (or)-12 (t)-11.9 (s/r)6 (e)-6 (p-554-inde)-5.9 (p)-13 (enden)9 (t)31 (-e)-19 (v)-9.9 (alu)-5 (a)9 (tion-of)-4.9 (-a)-12 (sic)18 (-)-9.9 (s)-13 (-mone)-19 (y)-5 (smar)-11.9 (t)31 (-)-16 (t)6 (e)-9 (ac)5.1 (hing-)-16 (pr)6 (o)-5 (g)-11 (ram/)]TJ 0 0 0 rg /GS0 gs ( )Tj 0 0 0 1 k /GS1 gs -2 -1.648 Td (6.)Tj /Span<>> BDC ( )Tj EMC 0 0 0 rg /GS0 gs -0.061 Tw 2 0 Td [(B)-13 (ak)5 (er)73 (, H. K)-29 (. & R)-8.9 (ic)8 (c)-5 (i)-5 (ar)6 (di, V)97 (. \(2014\). )]TJ /T1_1 1 Tf [(I)17 (nve)-15 (stor b)-6 (ehav)-14 (ior)-40 (: \036e p)-6 (s)6 (y)-8 (c)8 (holog)-24.9 (y of \037)8 (na)7 (nci)-11.9 (a)7 (l pl)-12 (a)7 (n)8 (n)8 (i)8 (n)5 (g a)7 (nd i)8 (nve)-15 (sti)8 (n)5 (g)-8 (.)]TJ /T1_3 1 Tf 0 Tw ( )Tj 0 -1.175 Td [(J)5 (ohn W)47.1 (ile)-19 (y & S)-13 (ons)-23.9 (.)]TJ 0 0 0 1 k /GS1 gs ( )Tj 0 0 0 rg /GS0 gs [(h)9 (t)7 (t)7 (p)-7 (s)-20 (://doi.or)10.1 (g/10.1002/9781118813454)]TJ 0 0 0 1 k /GS1 gs -2 -1.648 Td (7.)Tj /Span<>> BDC ( )Tj EMC 0 0 0 rg /GS0 gs 0.075 Tw 2 0 Td [(B)-13 (arbi\032)-15.9 (, D)26 (., L)9 (u\033)-5 (i\032)-16 (, A)-36 (. & C)-5 (hen, J. M. \(2019\). M)5 (e)-9 (a)-11.9 (sur)-8 (ing r)6.1 (e)-7 (sp)-13 (onsible \036nanc)-5 (i)-5 (al c)8 (onsum)9 (ption b)-13 (e)7 (ha)13 (v)-9.9 (iour)73 (. )]TJ /T1_1 1 Tf 0 Tw 0 -1.175 Td [(I)17 (nter)-12.9 (nationa)7 (l J)12 (ou)8 (r)-12.9 (na)7 (l of C)-9 (on)-8.9 (s)6.9 (u)8.1 (mer Stud)8 (ie)-14.9 (s)]TJ /T1_3 1 Tf (, )Tj /T1_1 1 Tf (43)Tj /T1_3 1 Tf (\(1\), 102-112.)Tj 0 0 0 1 k /GS1 gs ( )Tj 0 0 0 rg /GS0 gs [(h)9 (t)7 (t)7 (p)-7 (s)-20 (://doi.or)10 (g/10.1111/ij)-6 (c)-8.9 (s)-24 (.12489)]TJ 0 0 0 1 k /GS1 gs 0.359 Tw -2 61.627 Td [(p)-6 (ar)6 (en)9 (t)-12 (s of young adult)-12 (s)-23.9 (. Re)-14 (c)8 (ommend)-4.9 (a)9 (tions f)6 (or )]TJ 0.045 Tw 0 -1.2 Td [(Cr)6 (o)-6 (a)9 (ti)-5 (a s)5.1 (hould b)-13 (e c)8 (onsider)6.1 (e)-14 (d a)-12 (s general g)-12 (uide)7 (line)-7 (s )]TJ 0 Tw 0 -1.2 Td [(f)6 (or \036nanc)-4.9 (i)-5 (al e)-13.9 (duc)-8 (a)9 (tion na)9.1 (tional p)-12.9 (olic)-5 (ie)-7 (s a)-11.9 (s we)7 (ll. )]TJ 0.046 Tw 0 -1.672 Td [(\037e main limit)-5.9 (a)9 (tion r)6 (ef)6 (ers t)6 (o t)6 (he sam)9.1 (ple. Only \036ve )]TJ -0.031 Tw 0 -1.2 Td [(c)8 (oun)9 (tr)-8 (ie)-6.9 (s wer)6.1 (e inc)5 (lude)-13.9 (d in t)6 (he sam)9.1 (ple and no A)-11.9 (si)-5 (an )]TJ 0.243 Tw 0 -1.2 Td [(or S)-13 (c)-8 (andina)13.1 (v)-10 (i)-5 (an c)8.1 (oun)9 (tr)-33 (y w)-10 (a)-12 (s c)8 (onsider)6 (e)-14 (d. \037er)6 (e)]TJ 0 Tw (-)Tj 0.089 Tw 0 -1.2 Td [(f)6 (or)6 (e, f)-13 (ur)-12 (t)6 (her r)6 (e)-7 (s)-6 (e)-9 (ar)6 (c)5.1 (h s)5 (hould e)8 (xamine mor)6 (e c)8.1 (oun)]TJ 0 Tw (-)Tj 0.073 Tw 0 -1.2 Td [(tr)-8 (ie)-7 (s and t)6 (heir \036nanc)-5 (i)-5 (al e)-14 (duc)-8 (a)9.1 (tion p)-13 (olic)-4.9 (ie)-7 (s ac)8 (c)8 (or)6 (d)]TJ 0 Tw (-)Tj 0.105 Tw 0 -1.2 Td [(ing t)6 (o t)6 (heir s)-6 (c)8 (or)6 (e on t)6 (he PI)-8 (SA t)6 (e)-7 (st)-18.9 (. 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Al)-5 (s)-6 (o, in ac)8 (c)8 (or)6 (d)-5 (anc)8 (e w)-10 (it)6 (h )]TJ 0.187 Tw 0 -1.2 Td [(pr)6 (e)-19 (v)-10 (iou)-5 (s r)6 (e)-7 (s)-6 (e)-8.9 (ar)6 (c)5 (h, t)6 (he \036nanc)-4.9 (i)-5 (al e)-14 (duc)-8 (a)9 (tion f)6 (or)-8 (mal )]TJ 0.258 Tw 0 -1.2 Td [(pr)6 (o)-5 (g)-11 (rams f)6 (or t)6 (he young ar)6 (e im)9 (plemen)9 (t)6 (e)-13.9 (d in e)7 (l)]TJ 0 Tw (-)Tj 0.107 Tw 0 -1.2 Td [(emen)9 (t)-6 (ar)-32.9 (y and )0.5 (hig)-5 (h )0.5 (s)-6 (c)5 (ho)-12.9 (ol t)6.1 (hr)6 (oug)-5 (h )0.5 (t)6 (he m)9 (ulti-)-9.9 (sub)]TJ 0 Tw (-)Tj 0.004 Tw 0 -1.2 Td [(j)-6 (e)-14 (c)-6 (t )0.6 (a)9 (ppr)6 (o)-6 (ac)5 (h, )0.6 (a)-12 (s )0.5 (p)-6 (ar)-11.9 (t )0.5 (of )0.6 (ot)6 (her )0.5 (c)8 (om)9 (pul)-4.9 (s)-6 (or)-33 (y )0.5 (subj)-5.9 (e)-14 (c)-6 (t)-12 (s )]TJ 0.048 Tw 0 -1.2 Td [(\(M)5 (e)-7 (ss)-7.9 (y & M)5 (on)9 (tic)8 (one, 2016\) ra)9 (t)6 (her t)6 (han a)-11.9 (s a sing)-4.9 (le )]TJ 0.081 Tw 0 -1.2 Td [(subj)-6 (e)-13.9 (c)-6 (t)-19 (. )0.5 (\037er)6 (ef)6.1 (or)6 (e, )0.5 (\036nanc)-4.9 (i)-5 (al )0.6 (e)-14 (duc)-8 (a)9 (tion )0.6 (or )0.5 (\036nanc)-4.9 (i)-5 (al )]TJ 0.114 Tw 0 -1.2 Td [(lit)6 (erac)-25.9 (y)51 (, a)-11.9 (s a pr)6 (o)-13 (duc)-6 (t of \036nanc)-4.9 (i)-5 (al e)-14 (duc)-8 (a)9 (tion \(H)22 (u)-5 (s)]TJ 0 Tw 20.893 0 Td (-)Tj 0.002 Tw -20.893 -1.2 Td [(t)6 (on, 2010; W)68 (al)-5 (st)-5.9 (ad e)-6 (t al., 2010\), s)5.1 (hould b)-13 (e r)6 (e)-19 (v)-10 (ie)-19 (we)-14 (d )]TJ 0.017 Tw 0 -1.2 Td [(a)-12 (s a s)-6 (e)-6 (p)-6 (ara)9.1 (t)6 (e subj)-5.9 (e)-14 (c)-6 (t in or)6 (der t)6 (o enhanc)8 (e t)6 (he \036nan)]TJ 0 Tw (-)Tj 0.134 Tw 0 -1.2 Td [(c)-5 (i)-5 (al )0.6 (k)-6 (nowle)-13.9 (dge )0.5 (and )0.6 (s)5 (k)-6 (ill)-4.9 (s )0.5 (among )0.6 (st)7 (uden)9 (t)-12 (s )0.6 (s)-6 (o )0.6 (t)6 (he)-19 (y )]TJ 0.124 Tw 0 -1.2 Td [(would b)-13 (e pr)6 (e)-6 (p)-6 (ar)6 (e)-14 (d f)6 (or c)8 (om)9 (ple)8 (x \036nanc)-4.9 (i)-5 (al de)-14 (c)-4.9 (i)-5 (sion )]TJ 0 Tw 0 -1.2 Td [(in t)6 (he f)-12.9 (ut)7 (ur)6 (e.)]TJ 0.043 Tw 0 -1.672 Td [(F)23 (inanc)-4.9 (i)-5 (al e)-14 (duc)-7.9 (a)9 (tion, in all \036ve c)8 (oun)9 (tr)-8 (ie)-7 (s)-23.9 (, i)-5 (s st)7 (udie)-14 (d )]TJ 0.151 Tw 0 -1.2 Td [(a)-12 (s p)-6 (ar)-12 (t of t)6 (he na)9 (tional c)-6 (ur)-8 (r)-8 (ic)-6 (ulum whic)5.1 (h em)9 (pha)]TJ 0 Tw (-)Tj 0.162 Tw 0 -1.2 Td [(si)-10 (ze)-14 (d it)-11.9 (s im)9 (p)-13 (or)-12 (t)-6 (anc)8.1 (e and e\035c)-5 (ienc)-25.9 (y \(B)-19.9 (e)-14 (c)5 (k & G)-6.9 (ar)]TJ 0 Tw 20.893 0 Td (-)Tj 0.032 Tw -20.893 -1.2 Td [(r)-8 (i)-5 (s)-23.9 (, )0.5 (2019; )0.5 (OE)-4.9 (C)-18 (D)26 (, )0.5 (2016\). )0.5 (Al)-4.9 (s)-6 (o, )0.5 (all )0.6 (c)8 (oun)9 (tr)-7.9 (ie)-7 (s)-24 (, )0.5 (b)-13 (e)-6.9 (side)-7 (s )]TJ 0.055 Tw 0 -1.2 Td [(Cr)6 (o)-6 (a)9 (ti)-5 (a)-22.9 (, ha)13 (ve e)7 (l)-5 (a)7 (b)-13 (ora)9 (t)6.1 (e)-14 (d e)-19 (v)-10 (alu)-4.9 (a)9 (tion stra)9 (t)6 (e)-6 (g)-20 (y whic)5 (h )]TJ 0.039 Tw 0 -1.2 Td [(allow)-4.9 (s t)6 (hem t)6 (o e)-7 (stima)9.1 (t)6 (e t)6 (heir e\034)6 (or)-11.9 (t)-12 (s in t)6 (he c)8 (on)9 (t)6 (e)8.1 (x)8 (t )]TJ 0.229 Tw 0 -1.2 Td [(of \036nanc)-5 (i)-5 (al e)-13.9 (duc)-8 (a)9 (tion. \037er)6 (ef)6 (or)6 (e, Cr)6 (o)-6 (a)9 (ti)-4.9 (a s)5 (hould )]TJ 0.139 Tw 0 -1.2 Td [(de)-19 (ve)7 (lop a s)-7.9 (y)-5 (st)6 (ema)9 (tic e)-19 (v)-10 (alu)-5 (a)9 (tion s)-8 (y)-5 (st)6.1 (em and long-)]TJ 0.26 Tw 0 -1.2 Td [(t)6 (er)-8 (me)-14 (d \036nanc)-4.9 (i)-5 (al e)-14 (duc)-8 (a)9 (tion pr)6 (o)-5 (g)-10.9 (ram in or)6 (der t)6 (o )]TJ 0.157 Tw 0 -1.2 Td [(de)-6 (t)6 (e)-14 (c)-5.9 (t suc)8 (c)8.1 (e)-7 (ssf)-13 (ul )0.5 (and )0.5 (e\034)6 (e)-14 (c)-6 (tive )0.5 (prac)-6 (tic)8.1 (e and )0.5 (a)13 (void )]TJ 0.257 Tw 0 -1.2 Td [(ine\035c)-5 (ien)9.1 (t ac)-6 (tions)-24 (. Alt)6 (houg)-5 (h, \036nanc)-5 (i)-5 (al e)-14 (duc)-8 (a)9 (tion )]TJ 0.263 Tw 0 -1.2 Td [(in im)9 (plemen)9 (t)6 (e)-14 (d a)-11.9 (s p)-6 (ar)-12 (t of t)6 (he c)-6 (ur)-8 (r)-8 (ic)-6 (ulum, it i)-5 (s )]TJ 0.123 Tw 0 -1.2 Td [(st)-6 (and)-4.9 (ar)6 (di)-10 (ze)-14 (d only in \037e U)15 (nit)6 (e)-13.9 (d Kingdom \(M)-28 (A)-19 (S)-12.9 (, )]TJ 0.037 Tw 0 -1.2 Td [(2014; M)-28 (A)-19 (S)-13 (, 2015\). On t)6 (he ot)6 (her hand, in A)25 (u)-5 (strali)-4.9 (a )]TJ 0 Tw 0 -1.2 Td [(\(OE)-5 (C)-17.9 (D)]TJ 0 0 0 rg /GS0 gs [(/I)-5 (N)-5 (FE)]TJ 0 0 0 1 k /GS1 gs 0.154 Tw 5.718 0 Td [(, 2015\) and t)6.1 (he U)15 (nit)6 (e)-14 (d S)5 (t)-6 (a)9 (t)6 (e)-7 (s \(C)-18 (E)-8 (E)-24 (, )]TJ 0.016 Tw -5.718 -1.2 Td [(2011\), \036nanc)-4.9 (i)-5 (al e)-14 (duc)-8 (a)9 (tion de)-6 (p)-13 (end)-4.9 (s on st)-6 (a)9 (t)6 (e r)6 (e)-6 (g)-11.9 (ul)-5 (a)]TJ 0 Tw (-)Tj -0.025 Tw 0 -1.2 Td [(tion, while in Cr)6 (o)-6 (a)9 (ti)-4.9 (a \(Mini)-4.9 (str)-33 (y of S)-13 (c)-4.9 (ienc)8 (e and Edu)]TJ 0 Tw (-)Tj 0.139 Tw 0 -1.2 Td [(c)-8 (a)9 (tion )0.6 (of )0.6 (t)6 (he )0.5 (Re)-5.9 (public )0.6 (of )0.5 (Cr)6 (o)-6 (a)9.1 (ti)-5 (a)-23 (, )0.6 (2017\), )0.5 (de)-6 (p)-12.9 (end)-5 (s )]TJ 0.178 Tw 22.835 60.945 Td [(on str)-12 (uc)-5.9 (t)7 (ur)6 (e and p)-13 (olic)-25.9 (y of t)6 (he s)-6 (c)5 (ho)-13 (ol. )0.5 (\037er)6 (ef)6 (or)6 (e, )]TJ 0.132 Tw 0 -1.2 Td [(\036nanc)-4.9 (i)-5 (al )0.5 (e)-13.9 (duc)-8 (a)9 (tion )0.6 (p)-13 (olic)-26 (y )0.6 (s)5 (hould )0.6 (b)-13 (e )0.5 (st)-5.9 (and)-5 (ar)6 (di)-9.9 (ze)-14 (d )]TJ 0 -1.2 Td [(in or)6 (der )0.5 (t)6 (o a)-12 (ssur)6 (e e\034)6 (e)-13.9 (c)-6 (tivene)-7 (ss )0.5 (and unif)6 (or)-8 (mity )0.5 (of )]TJ -0.038 Tw 0 -1.2 Td [(\036nanc)-4.9 (i)-5 (al e)-14 (duc)-7.9 (a)9 (tion in t)6 (he whole )0.5 (c)8 (oun)9 (tr)-33 (y \(F)23.1 (racze)7 (k & )]TJ 0 Tw 0 -1.2 Td [(Klimon)9 (t)6.1 (ow)-10 (icz)-28 (, 2015; \031wiecka e)-5.9 (t al., 2019\).)]TJ 0.104 Tw 0 -1.672 Td [(A)11 (dditional pr)6 (o)-5 (g)-11 (rams f)6 (or st)7 (uden)9 (t)-12 (s in all \036ve c)8 (oun)]TJ 0 Tw (-)Tj 0.06 Tw 0 -1.2 Td [(tr)-8 (ie)-7 (s inc)5 (lude wor)6 (k)-17 (s)5 (hop)-7 (s)-23.9 (, le)-14 (c)-6 (t)7 (ur)6 (e)-6.9 (s)-24 (, o\035c)-5 (i)-4.9 (al we)10 (b)-6.9 (sit)6 (e)-7 (s)-23.9 (, )]TJ 0.083 Tw 0 -1.2 Td [(g)-6 (ame)-7 (s )0.5 (and )0.5 (online t)6 (o)-13 (ol)-4.9 (s u)-4.9 (s)-6 (e)-14 (d )0.5 (in addition )0.6 (t)6 (o )0.5 (f)6 (or)-8 (mal )]TJ 0.059 Tw 0 -1.2 Td [(e)-14 (duc)-7.9 (a)9 (tion, whic)5.1 (h am)9 (pli\036e)-6.9 (s it)-12 (s e\034)6 (e)-14 (c)-6 (t \(OE)-5 (C)-18 (D)26 (, 2016; )]TJ 0.023 Tw 0 -1.2 Td [(\031wiecka e)-6 (t al., 2019\). Pr)6 (o)-5 (g)-10.9 (rams aime)-14 (d a)9 (t t)6 (he t)6 (e)-9 (ac)5 (h)]TJ 0 Tw (-)Tj 0.342 Tw 0 -1.2 Td [(ers ar)6 (e e\035c)-5 (ien)9.1 (t)6 (ly im)9 (plemen)9.1 (t)6 (e)-14 (d in all c)8 (oun)9 (tr)-8 (ie)-7 (s )]TJ 0.112 Tw 0 -1.2 Td [(e)8 (x)17 (c)8 (e)-6 (pt Cr)6 (o)-6 (a)9 (ti)-5 (a)-23 (. \037er)6 (ef)6.1 (or)6 (e, t)6 (hi)-5 (s pr)6 (oblem s)5 (hould b)-12.9 (e )]TJ 0.173 Tw 0 -1.2 Td [(addr)6 (e)-6.9 (ss)-6 (e)-14 (d in or)6 (der t)6 (o im)9 (pr)6 (ove t)6 (e)-9 (ac)5 (hers\222 \036nanc)-5 (i)-4.9 (al )]TJ 0.166 Tw 0 -1.2 Td [(k)-6 (nowle)-13.9 (dge s)-5.9 (o t)6.1 (he)-19 (y c)8 (ould )0.5 (c)8 (or)-7.9 (r)6 (e)-14 (c)-6 (t)6 (ly )0.5 (and )0.5 (e\035c)-5 (ien)9 (t)6 (ly )]TJ 0.152 Tw 0 -1.2 Td [(p)-6 (a)-12 (ss it on \(OE)-5 (C)-17.9 (D)26 (, 2016\). F)31 (ur)-12 (t)6 (her)-8 (mor)6 (e, pr)6 (o)-4.9 (g)-11 (rams )]TJ 0.198 Tw 0 -1.2 Td [(aime)-13.9 (d a)9 (t t)6.1 (he p)-6 (ar)6 (en)9 (t)-11.9 (s ar)6 (e e\035c)-5 (ien)9 (t)6 (ly im)9 (plemen)9 (t)6 (e)-14 (d )]TJ 0.219 Tw 0 -1.2 Td [(only in t)6 (he U)15 (nit)6 (e)-14 (d S)5 (t)-6 (a)9 (t)6.1 (e)-7 (s \(FL)-7 (E)-5 (C)-21 (, 2011\). A)-12 (s p)-6 (ar)]TJ 0 Tw 20.893 0 Td (-)Tj 0.009 Tw -20.893 -1.2 Td [(en)9 (t)-12 (s ar)6 (e )0.5 (an im)9 (p)-13 (or)-12 (t)-6 (an)9 (t s)-6 (o)-12.9 (c)-5 (i)-5 (ali)-9.9 (z)-14 (a)9 (tion agen)9 (t f)6.1 (or young )]TJ 0.187 Tw 0 -1.2 Td [(adult)-11.9 (s)-24 (, t)6 (he)-19 (y c)8 (ons)-6 (e)-14 (quen)9 (t)6 (ly ha)13 (ve t)6 (o b)-13 (e inc)5 (lude)-13.9 (d in )]TJ 0 Tw 0 -1.2 Td [(\036nanc)-4.9 (i)-5 (al e)-14 (duc)-7.9 (a)9 (tion pr)6 (o)-4.9 (g)-11 (rams \(L)9 (u\033)-4.9 (i\032 e)-6 (t al., 2020a\).)]TJ /T1_3 1 Tf 0.083 Tw 10 0 0 10 248.0315 376.2402 Tm (6.)Tj /Span<>> BDC ( )Tj EMC [(C)25 (onclusion)]TJ /T1_2 1 Tf -0.067 Tw 9 0 0 9 248.0315 359.7709 Tm [(F)23 (inanc)-4.9 (i)-5 (al e)-13.9 (duc)-8 (a)9 (tion a)-11.9 (s a pr)6 (o)-13 (c)8.1 (e)-7 (ss of im)9 (pr)6 (ov)-10 (ing young )]TJ 0.07 Tw 0 -1.2 Td [(adult)-11.9 (s\222 s)5 (k)-6 (ill)-5 (s)-23.9 (, a)9 (t)7 (tit)7 (ude)-7 (s and )0.5 (b)-13 (e)7 (ha)13 (v)-10 (ior in t)6.1 (he c)8 (on)9 (t)6 (e)8 (x)8 (t )]TJ 0.087 Tw 0 -1.2 Td [(of p)-13 (ers)-5.9 (onal \036nanc)8 (e, \036nanc)-4.9 (i)-5 (al lit)6 (erac)-25.9 (y)51 (, \036nanc)-5 (i)-5 (al c)-7.9 (a)]TJ 0 Tw (-)Tj 0.098 Tw 0 -1.2 Td [(p)-6 (a)7 (bility and \036nanc)-5 (i)-5 (al k)-6 (nowle)-14 (dge le)-9 (ad)-5 (s t)6 (o p)-13 (ers)-5.9 (onal )]TJ 0.153 Tw 0 -1.2 Td [(and e)-14 (c)8 (onomic we)7 (lf)-8 (ar)6 (e \(B)-13 (arbi\032 e)-6 (t al., 2019; F)34 (o)16 (x e)-6 (t )]TJ 0.06 Tw 0 -1.2 Td [(al., )0.5 (2005; )0.5 (H)22 (u)-5 (st)6 (on, )0.5 (2010; )0.5 (L)9 (u\033)-5 (i\032 )0.6 (e)-6 (t )0.5 (al., )0.5 (2020a)-14 (; )0.5 (OE)-5 (C)-18 (D)26 (, )]TJ -0.007 Tw 0 -1.2 Td [(2005\). )0.6 (\037er)6 (ef)6 (or)6 (e, )0.5 (it )0.6 (i)-5 (s )0.6 (c)-5 (r)-12 (uc)-5 (i)-4.9 (al )0.5 (t)6 (o )0.6 (im)9 (plemen)9 (t )0.6 (e\035c)-5 (ien)9 (t )]TJ 0.085 Tw 0 -1.2 Td [(and )0.5 (suc)8 (c)8 (e)-6.9 (ssf)-13 (ul )0.5 (\036nanc)-5 (i)-4.9 (al e)-13.9 (duc)-8 (a)9 (tion )0.5 (aime)-14 (d )0.5 (a)9 (t )0.5 (young )]TJ 0.126 Tw 0 -1.2 Td [(adult)-11.9 (s who ar)6 (e f)-8 (ac)-5 (ing c)8 (om)9 (ple)8 (x \036nanc)-5 (i)-4.9 (al de)-14 (c)-5 (i)-5 (sions )]TJ 0.038 Tw 0 -1.2 Td [(and )0.5 (en)9 (t)6 (er)-8 (ing )0.5 (t)6 (he )0.5 (l)-5 (a)7.1 (b)-13 (or )0.5 (mar)6 (k)5 (e)-6 (t )0.5 (\(B)-20 (or)6 (den )0.5 (e)-6 (t )0.5 (al., )0.5 (2008; )]TJ -0.04 Tw 0 -1.2 Td [(L)9 (u\033)-5 (i\032 e)-6 (t al., 2020b\). In or)6 (der t)6 (o b)-13 (e e\035c)-5 (ien)9 (t)-18.9 (, \036nanc)-4.9 (i)-5 (al )]TJ 0.03 Tw 0 -1.2 Td [(e)-14 (duc)-8 (a)9 (tion pr)6 (o)-4.9 (g)-11 (rams aime)-14 (d a)9 (t t)6.1 (he young ha)13 (ve t)6.1 (o b)-13 (e )]TJ 0.04 Tw 0 -1.2 Td [(r)6 (e)7 (le)-19 (v)-10 (an)9 (t and c)-6 (u)-5 (st)6 (omi)-10 (ze)-13.9 (d ac)8 (c)8 (or)6.1 (ding t)6 (o p)-6 (ar)-12 (tic)-4.9 (ip)-6 (an)9 (t)-12 (s\222 )]TJ 0.421 Tw 0 -1.2 Td [(c)5 (harac)-5.9 (t)6 (er)-8 (i)-5 (stic)-8.9 (s \(F)23 (racze)7 (k & Klimon)9 (t)6 (ow)-10 (icz)-27.9 (, 2015; )]TJ 0.072 Tw 0 -1.2 Td [(H)5 (a)9 (t)6 (ha)13 (w)-10 (a)13 (y & Kha)9 (tiw)-9.9 (ad)-5 (a)-23 (, 2008; L)9 (uc)8 (e)-19 (y 2007; Y)94 (o)-13 (ong)-28 (, )]TJ 0.031 Tw 0 -1.2 Td [(2011\) )0.6 (and )0.5 (ha)13 (ve )0.6 (t)6 (o )0.6 (r)6 (e)6.9 (l)-4.9 (a)9 (t)6 (e )0.5 (t)6.1 (he )0.5 (k)-6 (nowle)-13.9 (dge )0.5 (w)-10 (it)6 (h )0.6 (a )0.6 (sp)-13 (e)]TJ 0 Tw (-)Tj 0.017 Tw 0 -1.2 Td [(c)-5 (i\036c ac)-6 (tion whic)5 (h c)8 (ould le)-9 (ad t)6.1 (o a b)-13 (e)-5.9 (t)6.9 (t)6.1 (er im)9 (plemen)]TJ 0 Tw (-)Tj 0 -1.2 Td [(t)-6 (a)9 (tion of \036nanc)-4.8 (i)-5 (al e)-14 (duc)-7.9 (a)9 (tion \(M)5 (cCor)-7.9 (mic)5 (k)-36 (, 2009\).)]TJ 0.013 Tw 0 -1.672 Td [(B)-20 (e)-14 (c)-7.9 (a)8.9 (u)-5 (s)-5.9 (e of t)6 (he low \036nanc)-4.9 (i)-5 (al lit)6.1 (erac)-26 (y s)-5.9 (c)8 (or)6 (e of young )]TJ 0.127 Tw 0 -1.2 Td [(adult)-11.9 (s \(OE)-5 (C)-17.9 (D)26 (, 2017\), Cr)6.1 (o)-6 (a)9 (ti)-5 (a ha)-11.9 (s t)6 (o mak)5 (e a c)8 (on)]TJ 0 Tw (-)Tj -0.002 Tw 0 -1.2 Td [(tin)9 (uou)-5 (s and long-)-16 (t)6.1 (er)-8 (m in)12.1 (ve)-7 (stmen)9 (t in \036nanc)-5 (i)-5 (al e)-14 (du)]TJ 0 Tw (-)Tj 0.226 Tw 0 -1.2 Td [(c)-8 (a)9 (tion )0.6 (in )0.5 (or)6.1 (der )0.5 (t)6 (o )0.5 (c)-4.9 (r)6 (e)-9 (a)9 (t)6 (e )0.6 (a )0.5 (suc)8 (c)8 (e)-6.9 (ssf)-13 (ul )0.6 (e)-19 (v)-10 (alu)-5 (a)9 (tion )]TJ -0.014 Tw 0 -1.2 Td [(s)-8 (y)-5 (st)6.1 (em. F)31 (ur)-12 (t)6 (her)-8 (mor)6 (e, it ha)-12 (s t)6.1 (o st)-6 (and)-5 (ar)6.1 (di)-10 (ze \036nanc)-4.9 (i)-5 (al )]TJ 0.034 Tw 0 -1.2 Td [(e)-14 (duc)-8 (a)9 (tion )0.6 (pr)6 (o)-5 (g)-11 (rams )0.5 (on )0.5 (t)6 (he na)9 (tional )0.6 (le)-19 (ve)7 (l, )0.5 (c)8 (onsider )]TJ 0.069 Tw 0 -1.2 Td [(in)9 (tr)6 (o)-13 (duc)-4.9 (ing \036nanc)-5 (i)-5 (al e)-14 (duc)-8 (a)9 (tion a)-12 (s an inde)-6 (p)-13 (enden)9 (t )]TJ 0.04 Tw 0 -1.2 Td [(subj)-6 (e)-13.9 (c)-6 (t and )0.5 (e)-9 (ar)6.1 (lier im)9 (plemen)9.1 (t)-6 (a)9 (tion )0.5 (of \036nanc)-4.9 (i)-5 (al )0.5 (e)-14 (d)]TJ 0 Tw (-)Tj 0.011 Tw 0 -1.2 Td [(uc)-8 (a)9 (tion, de\036ne t)6 (he aim of \036nanc)-5 (i)-4.9 (al e)-14 (duc)-8 (a)9 (tion mor)6 (e )]TJ 0.04 Tw 0 -1.2 Td [(sp)-13 (e)-13.9 (c)-5 (i\036c)-8 (ally and dir)6.1 (e)-14 (c)-6 (t e\034)6 (or)-12 (t)-12 (s t)6 (ow)-10 (ar)6 (d)-4.9 (s t)6.1 (e)-9 (ac)5 (hers and )]TJ ET endstream endobj 36 0 obj <>stream q /GS0 gs 0 TL/Fm0 Do Q BT 0 0 0 0.48 k /GS0 gs /T1_0 1 Tf 8 0 0 8 51.7135 38.081 Tm (450)Tj ET q 0 g 0 TL/Fm1 Do Q BT 0 0 0 0.7 k /T1_1 1 Tf 7 0 0 7 212.4882 37.9417 Tm [(V)51 (ol)-15 (. 34, N)13.1 (o. 2 \(2021\), pp. 443-456)]TJ 0 0 0 1 k /GS1 gs /T1_2 1 Tf 0.004 Tw 9 0 0 9 42.5197 610.393 Tm [(im)9 (plemen)9 (t)6 (e)-13.9 (d by )0.5 (a )0.5 (gover)-8 (nmen)9 (t)-5.9 (al )0.5 (instit)7 (ution )0.5 (but )0.5 (t)6 (he )]TJ 0.112 Tw 0 -1.144 Td [(dura)9 (tion v)-10 (ar)-8 (ie)-6.9 (s)-24 (. \037e U)15 (nit)6.1 (e)-14 (d S)5.1 (t)-6 (a)9 (t)6 (e)-7 (s had mor)6 (e time )]TJ -0.013 Tw 0 -1.144 Td [(t)6 (o )0.5 (e)-19 (v)-9.9 (alu)-5 (a)9 (t)6 (e )0.5 (it)-11.9 (s )0.5 (stra)9.1 (t)6 (e)-6 (g)-20 (y)51 (, )0.5 (while )0.6 (Cr)6 (o)-6 (a)9 (ti)-5 (a )0.6 (still )0.6 (in)9 (t)6 (er)-12 (pr)6 (e)-6 (t)-12 (s )]TJ -0.007 Tw 22.835 2.289 Td [(it)-12 (s r)6 (e)-6.9 (sult)-12 (s \(O\035c)-5 (i)-4.9 (al G)-7 (a)-6 (ze)-6 (t)7 (t)6.1 (e, No. 11/15\). )0.5 (O)-26 (verall e)7 (le)]TJ 0 Tw (-)Tj 0.093 Tw 0 -1.144 Td [(men)9 (t)-12 (s of \036nanc)-5 (i)-4.9 (al e)-14 (duc)-8 (a)9 (tion p)-13 (olic)-4.9 (ie)-7 (s aime)-14 (d a)9 (t t)6 (he )]TJ 0 Tw 0 -1.144 Td [(young ar)6.1 (e s)5 (how)-10 (n in T)94.1 (a)7 (ble 2.)]TJ /T1_3 1 Tf -22.835 -2.96 Td [(T)93 (a)5 (ble 2 Re)-17.9 (v)-13 (ie)-18 (w of \037)7 (nanc)-8.9 (i)-11 (al e)-9.9 (d)6.9 (uc)-9.9 (at)-5 (ion p)-6.9 (ol)6.9 (ic)-8.9 (ie)-14 (s)45 (\222 ele)-5 (me)-4.9 (nt)-13 (s p)-7 (e)-4.9 (r cou)7 (nt)-5 (r)-27 (y)]TJ ET 0 0 0 0.2 k /GS0 gs 42.661 556.173 68.835 -28.768 re 111.496 556.173 328.677 -14.384 re 111.496 541.789 81.461 -14.384 re 192.957 541.789 90.508 -14.384 re 283.465 541.789 75.189 -14.384 re 358.654 541.789 81.52 -14.384 re f 0 0 0 1 K 0.283 w /GS2 gs q 1 0 0 1 111.4961 541.9304 cm 0 0 m 0 14.1 l S Q q 1 0 0 1 111.3543 541.7887 cm 0 0 m 81.602 0 l S Q q 1 0 0 1 111.4961 527.5466 cm 0 0 m 0 14.1 l S Q q 1 0 0 1 192.9567 541.7887 cm 0 0 m 90.508 0 l S Q q 1 0 0 1 192.9567 527.5466 cm 0 0 m 0 14.1 l S Q q 1 0 0 1 283.4646 541.7887 cm 0 0 m 75.189 0 l S Q q 1 0 0 1 283.4646 527.5466 cm 0 0 m 0 14.1 l S Q q 1 0 0 1 358.6535 541.7887 cm 0 0 m 81.661 0 l S Q q 1 0 0 1 358.6535 527.5466 cm 0 0 m 0 14.1 l S Q q 1 0 0 1 111.4961 513.1628 cm 0 0 m 0 14.1 l S Q q 1 0 0 1 192.9567 513.1628 cm 0 0 m 0 14.1 l S Q q 1 0 0 1 283.4646 513.1628 cm 0 0 m 0 14.1 l S Q q 1 0 0 1 358.6535 513.1628 cm 0 0 m 0 14.1 l S Q q 1 0 0 1 42.5197 513.0211 cm 0 0 m 68.976 0 l S Q q 1 0 0 1 111.4961 513.0211 cm 0 0 m 81.461 0 l S Q q 1 0 0 1 111.4961 489.579 cm 0 0 m 0 23.3 l S Q q 1 0 0 1 192.9567 513.0211 cm 0 0 m 90.508 0 l S Q q 1 0 0 1 192.9567 489.579 cm 0 0 m 0 23.3 l S Q q 1 0 0 1 283.4646 513.0211 cm 0 0 m 75.189 0 l S Q q 1 0 0 1 283.4646 489.579 cm 0 0 m 0 23.3 l S Q q 1 0 0 1 358.6535 513.0211 cm 0 0 m 81.661 0 l S Q q 1 0 0 1 358.6535 489.579 cm 0 0 m 0 23.3 l S Q q 1 0 0 1 42.5197 489.4373 cm 0 0 m 68.976 0 l S Q q 1 0 0 1 111.4961 489.4373 cm 0 0 m 81.461 0 l S Q q 1 0 0 1 111.4961 438.3952 cm 0 0 m 0 50.9 l S Q q 1 0 0 1 192.9567 489.4373 cm 0 0 m 90.508 0 l S Q q 1 0 0 1 192.9567 438.3952 cm 0 0 m 0 50.9 l S Q q 1 0 0 1 283.4646 489.4373 cm 0 0 m 75.189 0 l S Q q 1 0 0 1 283.4646 438.3952 cm 0 0 m 0 50.9 l S Q q 1 0 0 1 358.6535 489.4373 cm 0 0 m 81.661 0 l S Q q 1 0 0 1 358.6535 438.3952 cm 0 0 m 0 50.9 l S Q q 1 0 0 1 42.5197 438.2534 cm 0 0 m 68.976 0 l S Q q 1 0 0 1 111.4961 438.2534 cm 0 0 m 81.461 0 l S Q q 1 0 0 1 111.4961 368.8113 cm 0 0 m 0 69.3 l S Q q 1 0 0 1 192.9567 438.2534 cm 0 0 m 90.508 0 l S Q q 1 0 0 1 192.9567 368.8113 cm 0 0 m 0 69.3 l S Q q 1 0 0 1 283.4646 438.2534 cm 0 0 m 75.189 0 l S Q q 1 0 0 1 283.4646 368.8113 cm 0 0 m 0 69.3 l S Q q 1 0 0 1 358.6535 438.2534 cm 0 0 m 81.661 0 l S Q q 1 0 0 1 358.6535 368.8113 cm 0 0 m 0 69.3 l S Q q 1 0 0 1 42.5197 368.6696 cm 0 0 m 68.976 0 l S Q q 1 0 0 1 111.4961 368.6696 cm 0 0 m 81.461 0 l S Q q 1 0 0 1 111.4961 354.4276 cm 0 0 m 0 14.1 l S Q q 1 0 0 1 192.9567 368.6696 cm 0 0 m 90.508 0 l S Q q 1 0 0 1 192.9567 354.4276 cm 0 0 m 0 14.1 l S Q q 1 0 0 1 283.4646 368.6696 cm 0 0 m 75.189 0 l S Q q 1 0 0 1 283.4646 354.4276 cm 0 0 m 0 14.1 l S Q q 1 0 0 1 358.6535 368.6696 cm 0 0 m 81.661 0 l S Q q 1 0 0 1 358.6535 354.4276 cm 0 0 m 0 14.1 l S Q q 1 0 0 1 42.5197 354.2858 cm 0 0 m 68.976 0 l S Q q 1 0 0 1 111.4961 354.2858 cm 0 0 m 81.461 0 l S Q q 1 0 0 1 111.4961 340.0437 cm 0 0 m 0 14.1 l S Q q 1 0 0 1 192.9567 354.2858 cm 0 0 m 90.508 0 l S Q q 1 0 0 1 192.9567 340.0437 cm 0 0 m 0 14.1 l S Q q 1 0 0 1 283.4646 354.2858 cm 0 0 m 75.189 0 l S Q q 1 0 0 1 283.4646 340.0437 cm 0 0 m 0 14.1 l S Q q 1 0 0 1 358.6535 354.2858 cm 0 0 m 81.661 0 l S Q q 1 0 0 1 358.6535 340.0437 cm 0 0 m 0 14.1 l S Q q 1 0 0 1 42.5197 339.902 cm 0 0 m 68.976 0 l S Q q 1 0 0 1 111.4961 339.902 cm 0 0 m 81.461 0 l S Q q 1 0 0 1 111.4961 270.4599 cm 0 0 m 0 69.3 l S Q q 1 0 0 1 192.9567 339.902 cm 0 0 m 90.508 0 l S Q q 1 0 0 1 192.9567 270.4599 cm 0 0 m 0 69.3 l S Q q 1 0 0 1 283.4646 339.902 cm 0 0 m 75.189 0 l S Q q 1 0 0 1 283.4646 270.4599 cm 0 0 m 0 69.3 l S Q q 1 0 0 1 358.6535 339.902 cm 0 0 m 81.661 0 l S Q q 1 0 0 1 358.6535 270.4599 cm 0 0 m 0 69.3 l S Q q 1 0 0 1 42.5197 270.3181 cm 0 0 m 68.976 0 l S Q q 1 0 0 1 111.4961 270.3181 cm 0 0 m 81.461 0 l S Q q 1 0 0 1 111.4961 256.0761 cm 0 0 m 0 14.1 l S Q q 1 0 0 1 192.9567 270.3181 cm 0 0 m 90.508 0 l S Q q 1 0 0 1 192.9567 256.0761 cm 0 0 m 0 14.1 l S Q q 1 0 0 1 283.4646 270.3181 cm 0 0 m 75.189 0 l S Q q 1 0 0 1 283.4646 256.0761 cm 0 0 m 0 14.1 l S Q q 1 0 0 1 358.6535 270.3181 cm 0 0 m 81.661 0 l S Q q 1 0 0 1 358.6535 256.0761 cm 0 0 m 0 14.1 l S Q q 1 0 0 1 42.5197 255.9343 cm 0 0 m 68.976 0 l S Q q 1 0 0 1 111.4961 255.9343 cm 0 0 m 81.461 0 l S Q q 1 0 0 1 111.4961 241.6923 cm 0 0 m 0 14.1 l S Q q 1 0 0 1 192.9567 255.9343 cm 0 0 m 90.508 0 l S Q q 1 0 0 1 192.9567 241.6923 cm 0 0 m 0 14.1 l S Q q 1 0 0 1 283.4646 255.9343 cm 0 0 m 75.189 0 l S Q q 1 0 0 1 283.4646 241.6923 cm 0 0 m 0 14.1 l S Q q 1 0 0 1 358.6535 255.9343 cm 0 0 m 81.661 0 l S Q q 1 0 0 1 358.6535 241.6923 cm 0 0 m 0 14.1 l S Q q 1 0 0 1 42.5197 241.5505 cm 0 0 m 68.976 0 l S Q q 1 0 0 1 111.4961 241.5505 cm 0 0 m 81.461 0 l S Q q 1 0 0 1 111.4961 190.5084 cm 0 0 m 0 50.9 l S Q q 1 0 0 1 192.9567 241.5505 cm 0 0 m 90.508 0 l S Q q 1 0 0 1 192.9567 190.5084 cm 0 0 m 0 50.9 l S Q q 1 0 0 1 283.4646 241.5505 cm 0 0 m 75.189 0 l S Q q 1 0 0 1 283.4646 190.5084 cm 0 0 m 0 50.9 l S Q q 1 0 0 1 358.6535 241.5505 cm 0 0 m 81.661 0 l S Q q 1 0 0 1 358.6535 190.5084 cm 0 0 m 0 50.9 l S Q q 1 0 0 1 42.5197 190.3667 cm 0 0 m 68.976 0 l S Q q 1 0 0 1 111.4961 190.3667 cm 0 0 m 81.461 0 l S Q q 1 0 0 1 111.4961 166.9246 cm 0 0 m 0 23.3 l S Q q 1 0 0 1 192.9567 190.3667 cm 0 0 m 90.508 0 l S Q q 1 0 0 1 192.9567 166.9246 cm 0 0 m 0 23.3 l S Q q 1 0 0 1 283.4646 190.3667 cm 0 0 m 75.189 0 l S Q q 1 0 0 1 283.4646 166.9246 cm 0 0 m 0 23.3 l S Q q 1 0 0 1 358.6535 190.3667 cm 0 0 m 81.661 0 l S Q q 1 0 0 1 358.6535 166.9246 cm 0 0 m 0 23.3 l S Q q 1 0 0 1 42.6614 513.1628 cm 0 0 m 0 14.1 l S Q q 1 0 0 1 440.1732 513.1628 cm 0 0 m 0 14.1 l S Q q 1 0 0 1 42.6614 489.579 cm 0 0 m 0 23.3 l S Q q 1 0 0 1 440.1732 489.579 cm 0 0 m 0 23.3 l S Q q 1 0 0 1 42.6614 438.3952 cm 0 0 m 0 50.9 l S Q q 1 0 0 1 440.1732 438.3952 cm 0 0 m 0 50.9 l S Q q 1 0 0 1 42.6614 368.8113 cm 0 0 m 0 69.3 l S Q q 1 0 0 1 440.1732 368.8113 cm 0 0 m 0 69.3 l S Q q 1 0 0 1 42.6614 354.4276 cm 0 0 m 0 14.1 l S Q q 1 0 0 1 440.1732 354.4276 cm 0 0 m 0 14.1 l S Q q 1 0 0 1 42.6614 340.0437 cm 0 0 m 0 14.1 l S Q q 1 0 0 1 440.1732 340.0437 cm 0 0 m 0 14.1 l S Q q 1 0 0 1 42.6614 270.4599 cm 0 0 m 0 69.3 l S Q q 1 0 0 1 440.1732 270.4599 cm 0 0 m 0 69.3 l S Q q 1 0 0 1 42.6614 256.0761 cm 0 0 m 0 14.1 l S Q q 1 0 0 1 440.1732 256.0761 cm 0 0 m 0 14.1 l S Q q 1 0 0 1 42.6614 241.6923 cm 0 0 m 0 14.1 l S Q q 1 0 0 1 440.1732 241.6923 cm 0 0 m 0 14.1 l S Q q 1 0 0 1 42.6614 190.5084 cm 0 0 m 0 50.9 l S Q q 1 0 0 1 440.1732 190.5084 cm 0 0 m 0 50.9 l S Q q 1 0 0 1 42.6614 166.9246 cm 0 0 m 0 23.3 l S Q q 1 0 0 1 440.1732 166.9246 cm 0 0 m 0 23.3 l 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I)22 (t i)-5 (s f)6 (o)-12.9 (c)-6 (u)-5 (s)-6 (e)-14 (d on )]TJ 0.03 Tw 0 -1.2 Td [(o\034)6 (er)-8 (ing online ma)9 (t)6 (er)-8 (i)-5 (al)-4.9 (s f)6 (or st)7 (uden)9 (t)-12 (s and t)6 (e)-9 (ac)5 (hers\222 )]TJ 0.311 Tw 0 -1.2 Td [(p)-13 (ers)-5.9 (onal and pr)6 (of)6 (e)-6.9 (ssional de)-19 (ve)7 (lopmen)9 (t \(OE)-5 (C)-17.9 (D/)]TJ 0 0 0 rg /GS0 gs 0.005 Tc -0.005 Tw 0 -1.2 Td [(INF)5.1 (E)]TJ 0 0 0 1 k /GS1 gs 0 Tc 0.147 Tw 2.232 0 Td [(, 2015\) in t)6 (he c)8 (on)9 (t)6 (e)8 (x)8 (t of \036nanc)-5 (i)-4.9 (al e)-14 (duc)-7.9 (a)9 (tion )]TJ 0.129 Tw -2.232 -1.2 Td [(and on e\035c)-4.9 (ien)9 (t \036nanc)-4.9 (i)-5 (al le)-9 (ar)-8 (ning t)6 (o)-12.9 (ol)-5 (s \(M)4.9 (e)-6.9 (ss)-8 (y & )]TJ 0.033 Tw 0 -1.2 Td [(M)5 (on)9 (tic)8 (one, )0.5 (2016\). )0.5 (\037e )0.5 (pr)6 (o)-4.9 (g)-11 (ram )0.5 (w)-10 (a)-12 (s )0.5 (de)-19 (ve)7 (lop)-13 (e)-13.9 (d )0.5 (ac)]TJ 0 Tw 20.893 0 Td (-)Tj -0.018 Tw -20.893 -1.2 Td [(c)8 (or)6 (ding t)6 (o t)6 (he OE)-4.9 (C)-18 (D in)9 (t)6 (er)-8 (na)9.1 (tional \036nanc)-4.9 (i)-5 (al e)-14 (duc)-8 (a)]TJ 0 Tw (-)Tj 0.109 Tw 0 -1.2 Td [(tion g)-12 (uide by whic)5 (h \036nanc)-5 (i)-5 (al e)-14 (duc)-7.9 (a)8.9 (tion pr)6 (o)-4.9 (g)-11 (rams )]TJ 0.028 Tw 0 -1.2 Td [(and supp)-12.9 (or)-12 (ting ma)9 (t)6 (er)-8 (i)-4.9 (al)-5 (s s)5 (hould b)-12.9 (e in)9 (t)6 (e)-6 (g)-11 (ra)9 (t)6 (e)-14 (d in)9 (t)6 (o )]TJ -0.028 Tw 0 -1.2 Td [(t)6 (he na)9 (tional c)-6 (ur)-8 (r)-8 (ic)-6 (ulum \(OE)-5 (C)-17.9 (D)25.9 (, 2017\), t)6.1 (heir im)9 (ple)]TJ 0 Tw (-)Tj 0.019 Tw 0 -1.2 Td [(men)9 (t)-6 (a)9 (tion s)5 (hould b)-12.9 (e \027e)8 (xible, t)6 (he)-19 (y s)5 (hould b)-12.9 (e de)-19 (ve)7 (l)]TJ 0 Tw (-)Tj 0.121 Tw 0 -1.2 Td [(op)-13 (e)-13.9 (d in p)-6 (ar)-11.9 (tners)5 (hip w)-9.9 (it)6 (h ot)6 (her st)-6 (a)9 (t)6 (e and r)6 (e)-6 (g)-11 (ional )]TJ -0.018 Tw 0 -1.2 Td [(instit)7.1 (utions and t)6 (he)-19 (y s)5 (hould b)-13 (e p)-12.9 (er)-8 (f)6 (or)-8 (me)-14 (d f)-9 (r)6 (om t)6 (he )]TJ 0 Tw 0 -1.2 Td [(b)-13 (e)-6 (g)-10.9 (inning of pr)-7.9 (imar)-33 (y s)-5.9 (c)5 (ho)-13 (ol \(OE)-4.9 (C)-18 (D)]TJ 0 0 0 rg /GS0 gs [(/I)-5 (N)-5 (FE)]TJ 0 0 0 1 k /GS1 gs 17.743 0 Td (, 2015\).)Tj 0.254 Tw -17.743 -1.672 Td [(A)-19 (S)5 (I)-6 (C)-31 (\222)65 (s M)5 (one)-19 (ySmar)-12 (t T)103 (e)-9 (ac)5.1 (hing Pr)6 (o)-5 (g)-11 (ram pr)6 (ov)-10 (ide)-7 (s )]TJ -0.032 Tw 0 -1.2 Td [(t)6 (e)-9 (ac)5 (hers w)-10 (it)6 (h c)-6 (ur)-8 (r)-8 (ic)-6 (ulum-c)8.1 (om)9 (pli)-5 (an)9 (t t)6 (e)-8.9 (ac)5 (hing t)6 (o)-13 (ol)-5 (s)-23.9 (, )]TJ 0.054 Tw 0 -1.2 Td [(along w)-10 (it)6 (h p)-13 (ers)-6 (onal and pr)6 (of)6.1 (e)-7 (ssional supp)-12.9 (or)-12 (t f)6 (or a )]TJ 0.239 Tw 0 -1.2 Td [(suc)8 (c)8 (e)-7 (ssf)-12.9 (ul )0.5 (im)9 (plemen)9 (t)-6 (a)9 (tion )0.5 (of \036nanc)-4.9 (i)-5 (al )0.5 (e)-14 (duc)-8 (a)9 (tion )]TJ -0.015 Tw 0 -1.2 Td [(pr)6 (o)-5 (g)-11 (rams in t)6 (heir c)5 (l)-4.9 (a)-12 (ssr)6 (o)-13 (oms \(M)5 (e)-7 (ss)-8 (y & M)5 (on)9 (tic)8 (one, )]TJ 0.012 Tw 0 -1.2 Td [(2016\). F)34 (or t)6 (ha)9 (t pur)-12 (p)-13 (o)-7 (s)-6 (e, a sp)-12.9 (e)-14 (c)-5 (i)-5 (al mo)-13 (dule F)23 (inanc)-4.9 (i)-5 (al )]TJ 0.068 Tw 0 -1.2 Td [(H)6 (e)-9 (alt)6.1 (h f)6.1 (or T)103 (e)-8.9 (ac)5 (hers ha)-12 (s b)-13 (e)-14 (en de)-18.9 (ve)7 (lop)-13 (e)-14 (d. F)23 (inanc)-4.9 (i)-5 (al )]TJ 0.045 Tw 0 -1.2 Td [(e)-14 (duc)-7.9 (a)9 (tion training f)6 (or t)6 (e)-9 (ac)5.1 (hers ha)-11.9 (s a dir)6 (e)-14 (c)-6 (t im)9 (p)-6 (ac)-6 (t )]TJ 0.164 Tw 0 -1.2 Td [(on how t)6 (e)-9 (ac)5 (hers u)-5 (s)-6 (e a)13 (v)-10 (ail)-4.9 (a)7 (ble t)6 (e)-9 (ac)5 (hing t)6 (o)-13 (ol)-4.9 (s and )]TJ 0.065 Tw 0 -1.2 Td [(r)6 (e)-7 (s)-6 (our)6 (c)8.1 (e)-7 (s)-24 (, and how t)6 (he)-19 (y transf)6.1 (er k)-6 (nowle)-13.9 (dge. Al)-5 (s)-5.9 (o, )]TJ 0.165 Tw 0 -1.2 Td [(t)6 (e)-9 (ac)5 (her training ha)-12 (s indir)6 (e)-13.9 (c)-6 (t e\034)6.1 (e)-14 (c)-6 (t)-12 (s on t)6 (he e\034)6 (e)-14 (c)]TJ 0 Tw 20.893 0 Td (-)Tj 0.01 Tw -20.893 -1.2 Td [(tivene)-6.9 (ss of t)6 (heir st)7 (uden)9 (t)-11.9 (s in t)6 (he c)8 (on)9 (t)6 (e)8 (x)8 (t of \036nanc)-4.9 (i)-5 (al )]TJ 0.043 Tw 0 -1.2 Td [(lit)6 (erac)-25.9 (y)51 (. \037e g)-11 (r)6 (e)-8.9 (a)9 (t ma)9 (j)-6 (or)-8 (ity of t)6 (e)-9 (ac)5 (hers b)-13 (e)7 (lie)-19 (ve t)6 (ha)9 (t )]TJ 0.271 Tw 0 -1.2 Td [(training inc)-4.9 (r)6 (e)-9 (a)-12 (s)-6 (e)-7 (s t)6 (heir \036nanc)-5 (i)-5 (al k)-6 (nowle)-14 (dge and )]TJ -0.039 Tw 0 -1.2 Td [(mak)5 (e)-7 (s t)6 (hem f)6 (e)-14 (e)7 (l saf)6 (e and c)8 (on\036den)9 (t when t)6 (he)-18.9 (y t)6 (e)-9 (ac)5.1 (h )]TJ 0 Tw 0 -1.2 Td [(\036nanc)-4.9 (i)-5 (al lit)6.1 (erac)-26 (y \(A)-19 (S)5 (I)-5.9 (C)-21 (, 2017\).)]TJ /T1_4 1 Tf 0 -2.517 Td (4.2)Tj /Span<>> BDC ( )Tj EMC 1.89 0 Td (The United States of America)Tj /T1_2 1 Tf 0.05 Tw -1.89 -1.515 Td [(\037e F)23 (inanc)-5 (i)-5 (al L)-6.9 (it)6 (erac)-26 (y and Educ)-7.9 (a)9 (tion Commi)-5 (ssion )]TJ 0.253 Tw 0 -1.2 Td [(\(FL)-7 (E)-4.9 (C)-18 (\), t)6 (he gover)-7.9 (nmen)9 (t b)-12.9 (o)-13 (dy e)-7 (st)-6 (a)7 (bli)-4.9 (s)5 (he)-14 (d under )]TJ 0.126 Tw 0 -1.2 Td [(t)6 (he U)15 (nit)6 (e)-14 (d S)5 (t)-6 (a)9 (t)6 (e)-7 (s f)6 (e)-14 (deral l)-5 (a)13 (w of \037e F)23 (air and A)11 (c)]TJ 0 Tw 20.893 0 Td (-)Tj ET endstream endobj 99 0 obj <>stream q /GS0 gs 0 TL/Fm0 Do Q BT 0 0 0 0.48 k /GS0 gs /T1_0 1 Tf 8 0 0 8 51.6295 38.081 Tm [(4)-21 (46)]TJ ET q 0 g 0 TL/Fm1 Do Q BT 0 0 0 0.7 k /T1_1 1 Tf 7 0 0 7 212.4882 37.9417 Tm [(V)51 (ol)-15 (. 34, N)13.1 (o. 2 \(2021\), pp. 443-456)]TJ 0 0 0 1 k /GS1 gs /T1_2 1 Tf 0.031 Tw 9 0 0 9 42.5197 611.3379 Tm [(\036nanc)-4.9 (i)-5 (al c)-8 (a)9 (p)-6 (a)7 (bility \(B)-13 (a)9 (t)7 (ty e)-6 (t al., 2015\). Hig)-4.9 (h s)-5.9 (c)5 (ho)-13 (ol )]TJ 0.358 Tw 0 -1.226 Td [(c)5 (hildr)6.1 (en, in t)6 (he c)8 (on)9 (t)6 (e)8 (x)8 (t of \036nanc)-4.9 (i)-5 (al e)-14 (duc)-8 (a)9 (tion, )]TJ 0.239 Tw 0 -1.226 Td [(of)-13 (t)6 (en u)-5 (s)-6 (e t)6 (he In)9 (t)6 (er)-8 (ne)-6 (t)-19 (, b)-12.9 (o)-13 (ok)-17 (s and br)-8 (ief c)8 (ours)-6 (e)-7 (s)-24 (, )]TJ 0.124 Tw 0 -1.226 Td [(le)-9 (ar)-7.9 (n f)-9 (r)6 (om t)6 (heir c)8 (om)9 (ple)8.1 (x e)8 (x)8 (p)-13 (er)-8 (ienc)8.1 (e and t)6 (hr)6 (oug)-5 (h )]TJ 0.202 Tw 0 -1.226 Td [(c)8 (onsidera)9.1 (tion of going t)6 (o c)8 (olle)-5.9 (ge \(\031wiecka e)-6 (t al., )]TJ 0.033 Tw 0 -1.226 Td [(2019\). T)103 (e)-9 (ac)5.1 (hers\222 pr)6 (e)-6 (p)-6 (ara)9.1 (tion pl)-5 (a)13 (y)-5 (s a k)5 (e)-19 (y r)6 (ole in t)6 (he )]TJ 0.065 Tw 0 -1.226 Td [(im)9 (plemen)9 (t)-6 (a)9.1 (tion )0.5 (of )0.6 (hig)-5 (h )0.6 (s)-6 (c)5 (ho)-13 (ol )0.6 (\036nanc)-4.9 (i)-5 (al )0.6 (e)-14 (duc)-8 (a)9 (tion )]TJ 0.042 Tw 0 -1.226 Td [(pr)6 (o)-5 (g)-11 (rams \(U)15 (rb)-6 (an e)-6 (t al., 2018\). F)34 (or c)8 (olle)-5.9 (ge st)7.1 (uden)9 (t)-12 (s )]TJ 0.213 Tw 0 -1.226 Td [(and young adult)-11.9 (s)-24 (, \036nanc)-4.9 (i)-5 (al e)-14 (duc)-8 (a)9.1 (tion e\034)6 (or)-12 (t)-12 (s ar)6 (e )]TJ 0.138 Tw 0 -1.226 Td [(pr)-8 (imar)-8 (ily f)6 (o)-13 (c)-6 (u)-5 (s)-6 (e)-14 (d on \036nanc)-4.9 (i)-5 (al inc)5.1 (lu)-5 (sion and c)8 (on)]TJ 0 Tw (-)Tj 0 -1.226 Td [(sumer pr)6 (ot)6.1 (e)-14 (c)-6 (tion \(A)25.1 (t)6 (k)-6 (ins)-6 (on & M)5.1 (e)-7 (ss)-8 (y)51 (, 2013\). )]TJ 0.099 Tw 0 -1.699 Td [(In )0.6 (or)6 (der )0.5 (t)6 (o )0.6 (ac)5 (hie)-19 (ve )0.6 (young )0.5 (adult)-11.9 (s\222 )0.6 (\036nanc)-5 (i)-5 (al )0.6 (k)-6 (nowl)]TJ 0 Tw (-)Tj 0.154 Tw 0 -1.226 Td [(e)-14 (dge, t)6.1 (he e\034)6 (or)-12 (t)-12 (s ar)6.1 (e f)6 (o)-13 (c)-6 (u)-5 (s)-5.9 (e)-14 (d on im)9 (plemen)9 (ting )0.5 (\036)]TJ 0 Tw (-)Tj 0.094 Tw 0 -1.226 Td [(nanc)-5 (i)-4.9 (al e)-14 (duc)-8 (a)9 (tion a)-12 (s p)-6 (ar)-11.9 (t of t)6.1 (he c)-6 (ur)-7.9 (r)-8 (ic)-6 (ulum \(B)-20 (e)-14 (c)5 (k )]TJ 0.081 Tw 0 -1.226 Td [(& G)-7 (ar)-7.9 (r)-8 (i)-5 (s)-24 (, 2019; OE)-5 (C)-18 (D)26 (, 2016\). F)23 (inanc)-4.9 (i)-5 (al e)-13.9 (duc)-8 (a)9 (tion )]TJ 0.037 Tw 22.835 17.638 Td [(c)8 (ould b)-12.9 (e a c)8.1 (om)9 (pul)-5 (s)-6 (or)-33 (y or an optional subj)-6 (e)-13.9 (c)-6 (t)-19 (, or it )]TJ 0.164 Tw 0 -1.357 Td [(c)8 (ould b)-12.9 (e im)9.1 (plemen)9 (t)6 (e)-14 (d a)-12 (s p)-6 (ar)-12 (t of anot)6.1 (her subj)-6 (e)-14 (c)-5.9 (t )]TJ 0.117 Tw 0 -1.357 Td [(suc)5 (h )0.6 (a)-12 (s )0.6 (Ma)9 (t)6 (hema)9 (tic)-9 (s)-23.9 (, )0.5 (S)-13 (c)-4.9 (ienc)8 (e, )0.6 (P)8 (h)12 (y)-5 (sic)-8 (al )0.6 (Educ)-8 (a)9 (tion )]TJ 0.254 Tw 0 -1.357 Td [(or En)9 (t)6 (er)-12 (pr)-8 (i)-5 (s)-6 (e and T)102.9 (e)-13.9 (c)5 (hnolo)-5 (g)-20 (y \(M)5 (e)-7 (ss)-8 (y & M)5 (on)9 (ti)]TJ 0 Tw (-)Tj 0.191 Tw 0 -1.357 Td [(c)8 (one, 2016\). Al)-5 (s)-6 (o, \036nanc)-5 (i)-5 (al e)-14 (duc)-8 (a)9 (tion i)-5 (s dir)6.1 (e)-14 (c)-6 (t)6 (e)-14 (d )]TJ 0.134 Tw 0 -1.357 Td [(t)6 (ow)-10 (ar)6.1 (d)-5 (s t)6.1 (he pr)6 (of)6.1 (e)-7 (ssional de)-19 (ve)7 (lopmen)9.1 (t of t)6 (e)-9 (ac)5 (hers )]TJ 0.044 Tw 0 -1.357 Td [(and t)6 (he c)-5 (r)6 (e)-8.9 (a)9 (tion of e\035c)-5 (ien)9 (t e)-14 (duc)-8 (a)9 (tional pr)6 (o)-5 (g)-11 (rams)-23.9 (, )]TJ -0.037 Tw 0 -1.357 Td [(a)13 (v)-10 (ail)-4.9 (a)7 (ble ma)9 (t)6 (er)-8 (i)-5 (al)-4.9 (s and t)6 (o)-13 (ol)-5 (s \(OE)-5 (C)-17.9 (D)26 (, 2016\). 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A)-11.9 (s young adult)-11.9 (s ar)6 (e )]TJ 0 Tw 0 -1.215 Td [(f)-8 (ac)-5 (ing )0.5 (c)8 (om)9 (ple)8 (x )0.5 (\036nanc)-4.9 (i)-5 (al )0.5 (de)-14 (c)-5 (i)-5 (sions )0.6 (and en)9 (t)6 (er)-7.9 (ing t)6 (he )]TJ 0.026 Tw 0 -1.215 Td [(l)-5 (a)7 (b)-12.9 (or mar)6 (k)5 (e)-6 (t)-19 (, t)6 (he \036nanc)-4.9 (i)-5 (al e)-14 (duc)-8 (a)9 (tion t)6 (he)-19 (y r)6 (e)-14 (c)8 (eive)-13.9 (d )]TJ -0.029 Tw 0 -1.215 Td [(or )0.5 (ar)6 (e )0.6 (still )0.6 (r)6 (e)-14 (c)8 (eiv)-10 (ing )0.6 (im)9 (pr)6 (ove)-7 (s )0.6 (t)6 (heir )0.5 (\036nanc)-4.9 (i)-5 (al )0.6 (k)-6 (nowl)]TJ 0 Tw (-)Tj 0.121 Tw 0 -1.215 Td [(e)-14 (dge )0.6 (\(B)-20 (or)6 (den )0.6 (e)-6 (t )0.5 (al., )0.6 (2008; )0.6 (L)9 (u\033)-5 (i\032 )0.5 (e)-6 (t )0.6 (al., )0.6 (2020b\), )0.6 (in)]TJ 0 Tw (-)Tj 0.051 Tw 0 -1.215 Td [(c)-5 (r)6 (e)-9 (a)-11.9 (s)-6 (e)-7 (s )0.5 (t)6 (heir )0.6 (\036nanc)-5 (i)-5 (al )0.6 (lit)6 (erac)-25.9 (y )0.5 (le)-19 (ve)7 (l )0.5 (\()-31 (W)68 (al)-4.9 (st)-6 (ad )0.6 (e)-6 (t )0.5 (al., )]TJ 0.234 Tw 0 -1.215 Td [(2010\), )0.6 (enc)8 (ourage)-7 (s )0.6 (t)6 (heir )0.6 (r)6 (e)-7 (sp)-13 (onsible )0.6 (\036nanc)-4.9 (i)-5 (al )0.6 (b)-13 (e)]TJ 0 Tw (-)Tj -0.005 Tw 0 -1.215 Td [(ha)13 (v)-10 (ior \(F)23 (an & C)-5 (ha)9 (t)7 (t)6 (er)-12 (j)-6 (e)-13.9 (e, 2019; L)9 (u)-5 (sar)6.1 (di & Mit)6 (c)5 (he)7 (ll, )]TJ 0.136 Tw 0 -1.215 Td [(2017\) and allow)-4.9 (s t)6.1 (hem t)6 (o mak)5 (e e\035c)-5 (ien)9.1 (t \036nanc)-5 (i)-5 (al )]TJ 0.026 Tw 0 -1.215 Td [(de)-14 (c)-5 (i)-4.9 (sions and ac)5 (hie)-19 (ve \036nanc)-4.9 (i)-5 (al we)7 (lf)-8 (ar)6 (e \(Bra)9 (unst)6 (ein )]TJ 0.069 Tw 0 -1.215 Td [(& )0.5 (W)73 (e)7 (lc)5 (h, )0.5 (2002; )0.5 (C)-5 (hen )0.5 (& )0.5 (H)6 (e)-9 (a)9.1 (t)-19 (, )0.5 (2012\). )0.5 (Y)94 (oung )0.5 (adult)-12 (s )]TJ 0.195 Tw 0 -1.215 Td [(who a)9 (t)7 (t)6 (end \036nanc)-4.9 (i)-5 (al e)-14 (duc)-8 (a)9 (tion ha)13 (ve lower le)-18.9 (ve)7 (l)-5 (s )]TJ 0.148 Tw 0 -1.215 Td [(of \036nanc)-4.9 (i)-5 (al v)-15 (ulnera)7.1 (bility \(L)39 (yons )0.5 (& H)22 (un)9 (t)-19 (, 2003\), a )]TJ -0.032 Tw 0 -1.215 Td [(hig)-5 (her c)-4.9 (r)6 (e)-14 (dit s)-6 (c)8 (or)6.1 (e \(U)15 (rb)-6 (an e)-6 (t al., 2018\), ar)6 (e or)-8 (ien)9 (t)6 (e)-13.9 (d )]TJ -0.009 Tw 0 -1.215 Td [(t)6 (ow)-10 (ar)6 (d)-4.9 (s sa)13 (v)-10 (ing)-9 (s \(C)-9.9 (ar)6 (lin & Robins)-5.9 (on, 2012; Mande)7 (ll )]TJ 0.248 Tw 0 -1.215 Td [(& )0.5 (Klein, )0.5 (2009\), )0.5 (and )0.5 (e\035c)-5 (ien)9 (t)6 (ly )0.5 (p)-13 (er)-7.9 (f)6 (or)-8 (m )0.5 (\036nanc)-5 (i)-5 (al )]TJ 0.018 Tw 0 -1.215 Td [(transac)-5.9 (tions \(D)-6 (ar)6 (e e)-6 (t al., 2020\), p)-13 (ers)-6 (onal budge)-5.9 (ting )]TJ 0.143 Tw 0 -1.215 Td [(\(M)5 (cCor)-8 (mic)5.1 (k)-36.1 (, 2009\) and trac)5.1 (k)-6 (ing e)8 (x)8 (p)-13 (ens)-6 (e)-7 (s \()-55 (J)5.1 (ohn)]TJ 0 Tw (-)Tj 0.131 Tw 0 -1.215 Td [(s)-6 (on & Sheraden, 2007\). F)23 (inanc)-4.9 (i)-5 (al e)-14 (duc)-8 (a)9 (tion ha)-11.9 (s a )]TJ 0.123 Tw 0 -1.215 Td [(p)-13 (o)-7 (sitive im)9 (p)-6 (ac)-6 (t on r)6 (e)-7 (sp)-12.9 (onsible b)-12.9 (or)-8 (r)6 (ow)-10 (ing and r)6 (e)]TJ 0 Tw (-)Tj 0.124 Tw 0 -1.215 Td [(p)-6 (a)13 (y)-10 (men)9 (t b)-13 (e)7 (ha)13 (v)-10 (ior among young adult)-11.9 (s \(Br)6 (ow)-10 (n e)-6 (t )]TJ 0.136 Tw 0 -1.215 Td [(al., 2016; U)15 (rb)-6 (an e)-5.9 (t al., 2018\), he)7 (lp)-7 (s t)6 (hem t)6 (o le)-9 (ar)-7.9 (n )]TJ 0.033 Tw 22.835 61.627 Td [(a)7 (b)-13 (out a)13 (v)-10 (ail)-4.9 (a)7 (ble \036nanc)-4.9 (i)-5 (al pr)6 (o)-13 (duc)-5.9 (t)-12 (s \(U)10 (ze)7 (l)-5 (ac & L)9 (u\033)-4.9 (i\032)-16 (, )]TJ 0 -1.222 Td [(2020\) and pr)6 (ov)-10 (ide)-6.9 (s t)6 (hem w)-9.9 (it)6 (h an underst)-5.9 (anding of )]TJ 0.048 Tw 0 -1.222 Td [(\036nanc)-4.9 (i)-5 (al )0.5 (inf)6 (or)-8 (ma)9 (tion )0.5 (f)-9 (r)6 (om )0.5 (t)6 (he )0.5 (me)-14 (di)-4.9 (a \(B)-20 (e)-13.9 (c)8 (c)5 (he)-6 (t)7 (ti )0.5 (e)-6 (t )]TJ 0.067 Tw 0 -1.222 Td [(al., 2013\). \037er)6 (ef)6 (or)6 (e, t)6 (her)6 (e i)-4.9 (s a sig)-11 (ni\036c)-7.9 (an)9 (t ne)-14 (e)-14 (d f)6.1 (or )]TJ 0.208 Tw 0 -1.222 Td [(instit)7.1 (utional in)12 (ve)-7 (stmen)9.1 (t in st)-6 (and)-4.9 (ar)6 (di)-10 (ze)-13.9 (d \036nanc)-4.9 (i)-5 (al )]TJ 0.173 Tw 0 -1.222 Td [(e)-14 (duc)-7.9 (a)9 (tion )0.5 (aime)-13.9 (d )0.5 (a)9 (t )0.6 (young )0.6 (adult)-12 (s )0.6 (\(F)23 (racze)7 (k )0.6 (& )0.6 (Kli)]TJ 0 Tw (-)Tj 0 -1.222 Td [(mon)9 (t)6 (ow)-10 (icz)-27.9 (, 2015; L)9 (u)-5 (sar)6.1 (di e)-6 (t al., 2010\).)]TJ /T1_3 1 Tf 0 -2.54 Td (2.3)Tj /Span<>> BDC ( )Tj EMC 1.89 0 Td (Elements of \037nancial education strategies aimed )Tj 0 -1.122 Td (at young adults)Tj /T1_2 1 Tf 0.078 Tw -1.89 -1.537 Td [(F)23 (inanc)-4.9 (i)-5 (al e)-13.9 (duc)-8 (a)9 (tion p)-13 (olic)-5 (ie)-6.9 (s and stra)9 (t)6 (e)-6 (g)-11 (ie)-6.9 (s c)8 (onsid)]TJ 0 Tw (-)Tj 0.204 Tw 0 -1.222 Td [(er)-8 (ing instit)7.1 (utionali)-10 (ze)-13.9 (d, pl)-4.9 (anne)-14 (d and st)-6 (and)-4.9 (ar)6 (di)-10 (ze)-14 (d )]TJ 0.012 Tw 0 -1.222 Td [(pr)6 (o)-5 (g)-11 (rams whic)5.1 (h ar)6 (e p)-6 (ar)-12 (t of f)6 (or)-8 (mal \036nanc)-5 (i)-4.9 (al e)-13.9 (duc)-8 (a)]TJ 0 Tw (-)Tj 0.228 Tw 0 -1.222 Td [(tion f)6 (or im)9 (pr)6 (ov)-10 (ing \036nanc)-5 (i)-4.9 (al k)-6.1 (nowle)-13.9 (dge \(\031wiecka )]TJ 0.094 Tw 0 -1.222 Td [(e)-6 (t al., 2019\). \037r)6 (oug)-4.9 (h na)9 (tional stra)9 (t)6 (e)-6 (g)-10.9 (ie)-7 (s)-24 (, \036nanc)-4.9 (i)-5 (al )]TJ 0.277 Tw 0 -1.222 Td [(e)-14 (duc)-7.9 (a)9 (tion p)-13 (olic)-4.9 (ie)-7 (s em)9 (pha)-12 (si)-9.9 (ze t)6 (he im)9 (p)-13 (or)-12 (t)-6 (anc)8.1 (e of )]TJ 0.192 Tw 0 -1.222 Td [(\036nanc)-4.9 (i)-5 (al k)-6 (nowle)-14 (dge, c)8 (o)-13 (or)6 (dina)9 (t)6 (e and le)-9 (ad p)-6 (ar)-12 (tic)-5 (i)]TJ 0 Tw (-)Tj 0.103 Tw 0 -1.222 Td [(p)-6 (an)9 (t)-12 (s )0.5 (and )0.5 (indiv)-10 (idu)-4.9 (al pr)6.1 (o)-5 (g)-11 (rams )0.5 (of \036nanc)-4.9 (i)-5 (al )0.5 (e)-14 (duc)-8 (a)]TJ 0 Tw (-)Tj 0.188 Tw 0 -1.222 Td [(tion )0.5 (and )0.5 (c)-5 (r)6 (e)-9 (a)9 (t)6.1 (e g)-12 (uide)7 (line)-6.9 (s )0.5 (f)6 (or )0.5 (ac)5 (hie)-19 (v)-10 (ing )0.5 (\036nanc)-5 (i)-4.9 (al )]TJ 0 Tw 0 -1.222 Td [(e)-14 (duc)-7.9 (a)9 (tion aim \(Gr)-7.9 (if)6 (oni & M)5 (e)-6.9 (ss)-8 (y)51 (, 2012\).)]TJ 0.218 Tw 0 -1.695 Td [(F)34 (or \036nanc)-5 (i)-4.9 (al e)-14 (duc)-7.9 (a)9 (tion p)-13 (olic)-25.9 (y t)6.1 (o b)-13 (e e\035c)-5 (ien)9.1 (t)-19 (, it)-11.9 (s )]TJ -0.041 Tw 0 -1.222 Td [(c)8 (on)9 (t)6 (en)9 (t m)9 (u)-5 (st b)-13 (e r)6 (e)7 (le)-19 (v)-10 (an)9 (t and c)-6 (u)-5 (st)6 (omi)-9.9 (ze)-14 (d ac)8 (c)8 (or)6 (ding )]TJ 0.09 Tw 0 -1.222 Td [(t)6 (o t)6 (he t)-6 (ar)10 (ge)-5.9 (t g)-11 (r)6 (oup)-7 (s\222 c)5 (harac)-5.9 (t)6 (er)-8 (i)-5 (stic)-8.9 (s in t)6 (he c)8 (on)9 (t)6 (e)8 (x)8 (t )]TJ 0.208 Tw 0 -1.222 Td [(of k)-6 (nowle)-14 (dge, s)5 (k)-6 (ill)-4.9 (s)-24 (, pr)6 (ef)6 (er)6.1 (enc)8 (e)-7 (s)-24 (, motiv)-10 (a)9 (tion and )]TJ -0.034 Tw 0 -1.222 Td [(emotional r)6.1 (e)-9 (ac)-6 (tion \(F)23 (racze)7.1 (k & Klimon)9 (t)6 (ow)-9.9 (icz)-28 (, 2015; )]TJ 0.072 Tw 0 -1.222 Td [(H)5 (a)9 (t)6 (ha)13 (w)-10 (a)13 (y & Kha)9 (tiw)-9.9 (ad)-5 (a)-23 (, 2008; L)9 (uc)8 (e)-19 (y 2007; Y)94 (o)-13 (ong)-28 (, )]TJ -0.005 Tw 0 -1.222 Td [(2011\), but al)-4.9 (s)-6 (o ph)12 (y)-5 (sic)-7.9 (al c)5.1 (harac)-6 (t)6 (er)-8 (i)-4.9 (stic)-9 (s suc)5 (h a)-12 (s gen)]TJ 0 Tw (-)Tj 0 -1.222 Td [(der and age \(Cr)6.1 (o)-6.9 (s)-6 (on & Gne)-14 (ez)-13.9 (y)51 (, 2009\). )]TJ 0.194 Tw 0 -1.695 Td [(F)23 (inanc)-4.9 (i)-5 (al e)-14 (duc)-7.9 (a)9 (tion aime)-14 (d a)9 (t young adult)-12 (s c)8 (ould )]TJ -0.014 Tw 0 -1.222 Td [(t)-6 (ak)5 (e pl)-5 (ac)8 (e in e)6.9 (lemen)9 (t)-6 (ar)-33 (y s)-6 (c)5 (ho)-13 (ol)-5 (s)-23.9 (, hig)-4.9 (h s)-6 (c)5 (ho)-13 (ol)-4.9 (s)-24 (, ac)-8 (a)]TJ 0 Tw (-)Tj 0.099 Tw 0 -1.222 Td [(demic )0.5 (instit)7.1 (utions )0.5 (and )0.5 (in )0.5 (ot)6 (her )0.5 (f)6 (or)-8 (ms )0.5 (suc)5 (h )0.5 (a)-12 (s )0.5 (on)]TJ 0 Tw (-)Tj 0.188 Tw 0 -1.222 Td [(line or o\030ine wor)6 (k)-17 (s)5 (hop)-7 (s)-23.9 (, c)8 (om)9 (p)-13 (e)-6 (titions)-23.9 (, training)-27.9 (, )]TJ -0.004 Tw 0 -1.222 Td [(e)-19 (ven)9 (t)-12 (s or g)-6 (ame)-7 (s \(\031wiecka e)-6 (t al., 2019\). E)25 (ven t)6.1 (houg)-5 (h )]TJ 0.197 Tw 0 -1.222 Td [(t)6 (he ma)9 (j)-6 (or)-8 (ity of \036nanc)-4.9 (i)-5 (al e)-13.9 (duc)-8 (a)9 (tion pr)6 (o)-5 (g)-11 (rams ar)6 (e )]TJ 0.067 Tw 0 -1.222 Td [(im)9 (plemen)9 (t)6.1 (e)-14 (d in s)-6 (c)5 (ho)-13 (ol)-4.9 (s)-24 (, a)-12 (s p)-6 (ar)-11.9 (t of t)6 (he c)-6 (ur)-8 (r)-8 (ic)-5.9 (ulum )]TJ 0.003 Tw 0 -1.222 Td [(\(M)5 (e)-7 (ss)-7.9 (y & M)5 (on)9 (tic)8 (one, 2016\), t)6 (he)-19 (y ar)6 (e not st)-6 (and)-4.9 (ar)6 (d)]TJ 0 Tw (-)Tj 0.078 Tw 0 -1.222 Td [(i)-10 (ze)-14 (d or s)-8 (y)-5 (st)6 (ema)9 (ti)-9.9 (ze)-14 (d \(Amag)-10.9 (ir e)-6 (t al., 2018; L)9 (u\033)-5 (i\032 e)-6 (t )]TJ 0.148 Tw 0 -1.222 Td [(al., 2018; Y)94.1 (o)-13 (ong & F)34 (er)-8 (r)6 (eira)-22.9 (, 2013\). F)23 (inanc)-5 (i)-4.9 (al e)-14 (du)]TJ 0 Tw (-)Tj 0.171 Tw 0 -1.222 Td [(c)-8 (a)9 (tion f)6 (or young adult)-12 (s i)-5 (s f)6 (o)-13 (c)-6 (u)-5 (s)-6 (e)-14 (d on t)6 (he under)]TJ 0 Tw 20.893 0 Td (-)Tj 0.187 Tw -20.893 -1.222 Td [(st)-6 (anding )0.6 (of )0.6 (\036nanc)-5 (i)-4.9 (al )0.6 (pr)6 (o)-13 (duc)-6 (t)-12 (s)-23.9 (, )0.5 (em)9 (p)-13 (ower)-8 (ing )0.6 (t)6 (heir )]TJ 0.166 Tw 0 -1.222 Td [(\036nanc)-4.9 (i)-5 (al inc)5 (lu)-5 (sion and \036nanc)-5 (i)-5 (al c)-8 (a)9 (p)-6 (a)7 (bility)51.1 (, young )]TJ 0.139 Tw 0 -1.222 Td [(c)8 (onsumer )0.6 (pr)6 (ot)6.1 (e)-14 (c)-6 (tion, )0.6 (sa)13 (v)-10 (ing )0.6 (a)9 (t)7 (tit)7 (ude)-6.9 (s )0.6 (and )0.6 (gender )]TJ 0.066 Tw 0 -1.222 Td [(e)-14 (qu)-5 (ality in t)6 (he c)8.1 (on)9 (t)6 (e)8 (x)8 (t of \036nanc)-5 (i)-5 (al k)-6 (nowle)-13.9 (dge \(A)25 (t)]TJ 0 Tw 20.893 0 Td (-)Tj -20.893 -1.222 Td [(k)-6 (ins)-6 (on & M)5.1 (e)-7 (ss)-8 (y)51 (, 2013\). )]TJ -0.044 Tw 0 -1.695 Td [(In e)7 (lemen)9 (t)-6 (ar)-32.9 (y s)-6 (c)5 (ho)-12.9 (ol, \036nanc)-5 (i)-4.9 (al e)-13.9 (duc)-8 (a)9 (tion i)-5 (s f)6 (o)-13 (c)-5.9 (u)-5 (s)-6 (e)-14 (d )]TJ 0.124 Tw 0 -1.222 Td [(on t)6 (he b)-5.9 (a)-12 (sic underst)-5.9 (anding of mone)-19 (y)51.1 (, e)6.9 (lemen)9.1 (t)-6 (ar)-33 (y )]TJ 0.135 Tw 0 -1.222 Td [(\036nanc)-4.9 (i)-5 (al ar)-7.9 (it)6 (hme)-6 (tic )0.5 (and )0.5 (le)-9 (ar)-8 (ning )0.5 (f)-9 (r)6 (om )0.5 (t)6 (he )0.5 (f)-8 (amily)51 (, )]TJ 0.12 Tw 0 -1.222 Td [(p)-13 (ers)-5.9 (onal e)8 (x)8 (p)-13 (er)-7.9 (ienc)8 (e and \036nanc)-5 (i)-4.9 (al g)-6 (ame)-7 (s lik)5 (e M)5 (o)]TJ 0 Tw (-)Tj 0.042 Tw 0 -1.222 Td [(nop)-13 (oly \(\031wiecka e)-6 (t al., 2019\). E)25 (ven t)6.1 (he b)-6 (a)-12 (sic t)6.1 (opic)-9 (s )]TJ 0.099 Tw 0 -1.222 Td [(c)8 (over)6 (e)-14 (d in e)7 (lemen)9 (t)-6 (ar)-32.9 (y s)-6 (c)5 (ho)-13 (ol c)8 (ould le)-9 (ad t)6 (o f)-13 (ut)7 (ur)6 (e )]TJ ET endstream endobj 97 0 obj <>stream q /GS0 gs 0 TL/Fm0 Do Q BT 0 0 0 0.48 k /GS0 gs /T1_0 1 Tf 0.021 Tc -0.021 Tw 8 0 0 8 51.5455 38.081 Tm (444)Tj ET q 0 Tc 0 Tw 0 g 0 TL/Fm1 Do Q BT 0 0 0 0.7 k /T1_1 1 Tf 0 Tc 0 Tw 7 0 0 7 212.4882 37.9417 Tm [(V)51 (ol)-15 (. 34, N)13.1 (o. 2 \(2021\), pp. 443-456)]TJ 0 0 0 1 k /GS1 gs /T1_2 1 Tf 0.163 Tw 9 0 0 9 42.5197 611.3379 Tm [(p)-13 (olic)-4.9 (ie)-7 (s)-24 (, c)8 (oun)9 (tr)-8 (ie)-7 (s c)-8 (an e)-14 (quip c)8 (onsumers w)-10 (it)6 (h t)6 (he )]TJ 0.312 Tw 0 -1.238 Td [(ne)-14 (c)8 (e)-7 (ssar)-32.9 (y s)5 (k)-6 (ill)-4.9 (s and k)-6 (nowle)-14 (dge t)6 (o manage p)-13 (er)]TJ 0 Tw 20.893 0 Td (-)Tj 0.283 Tw -20.893 -1.238 Td [(s)-6 (onal \036nanc)8.1 (e)-7 (s and t)6.1 (o im)9 (pr)6 (ove de)-14 (c)-4.9 (i)-5 (sion-mak)-5.9 (ing)-28 (. )]TJ 0.142 Tw 0 -1.238 Td [(E)25 (ven t)6.1 (houg)-5 (h in t)6 (he pr)6.1 (o)-13 (c)8 (e)-7 (ss of \036nanc)-5 (i)-5 (al s)-6 (o)-13 (c)-5 (i)-4.9 (ali)-10 (z)-14 (a)]TJ 0 Tw (-)Tj -0.025 Tw 0 -1.238 Td [(tion p)-5.9 (ar)6 (en)9 (t)-12 (s ha)13 (ve t)6.1 (he mo)-7 (st pr)6 (ominen)9 (t r)6 (ole \(L)9 (u\033)-5 (i\032 e)-6 (t )]TJ 0.119 Tw 0 -1.238 Td [(al., 2020a\), na)9 (tional \036nanc)-5 (i)-4.9 (al e)-14 (duc)-7.9 (a)9 (tion stra)9 (t)6 (e)-6 (g)-11 (ie)-6.9 (s)-24 (, )]TJ 0.162 Tw 0 -1.238 Td [(when im)9 (plemen)9 (t)6 (e)-13.9 (d e\034)6 (e)-14 (c)-6 (tive)7 (ly)51 (, ha)13 (ve t)6 (he p)-13 (ower t)6 (o )]TJ 0.166 Tw 0 -1.238 Td [(c)8 (over f)6 (or p)-6 (ar)6 (en)9 (t)-11.9 (s\222 \036nanc)-4.9 (i)-5 (al de\036c)-5 (ienc)-4.9 (ie)-7 (s)-24 (. F)23 (inanc)-4.9 (i)-5 (al )]TJ 0.351 Tw 0 -1.238 Td [(e)-14 (duc)-8 (a)9.1 (tion i)-5 (s c)-5 (r)-12 (uc)-4.9 (i)-5 (al f)6 (or c)8 (onsumers\222 r)6 (e)-7 (sp)-12.9 (onsible )]TJ 0.253 Tw 0 -1.238 Td [(\036nanc)-4.9 (i)-5 (al b)-13 (e)7 (ha)13 (v)-10 (ior and we)7 (ll-b)-13 (eing \(Almenb)-12.9 (er)10 (g & )]TJ -0.047 Tw 0 -1.238 Td [(Dr)6 (e)10 (b)-13 (er)73 (, 2015; A)25 (t)6 (k)-6 (ins)-6 (on & M)5 (e)-7 (ss)-8 (y)51 (, 2013; B)-13 (ak)5 (er & R)-8.9 (ic)]TJ 0 Tw 20.893 0 Td (-)Tj 0.081 Tw -20.893 -1.238 Td [(c)-5 (i)-5 (ar)6.1 (di, )0.5 (2014; )0.6 (L)9 (u\033)-5 (i\032 )0.5 (e)-6 (t )0.6 (al., )0.5 (2020b\), )0.6 (e)-7 (sp)-13 (e)-13.9 (c)-5 (i)-5 (ally )0.6 (among )]TJ 0.114 Tw 0 -1.238 Td [(t)6 (he young \(B)-13 (arbi\032 e)-6 (t al., 2019; L)9 (u\033)-5 (i\032 e)-6 (t al., 2020b; )]TJ 0.014 Tw 0 -1.238 Td [(J)5 (ohns)-6 (on & Sher)-8 (raden, 2007\). A)25 (t t)6 (he same time, not )]TJ -0.027 Tw 0 -1.238 Td [(man)12 (y c)8 (oun)9 (tr)-8 (ie)-7 (s a)9 (ppr)6 (o)-6 (ac)5 (h t)6 (he pr)6 (oblem in a s)-8 (y)-4.9 (st)6 (emic )]TJ -0.03 Tw 0 -1.238 Td [(manner)73 (, )0.5 (nor )0.5 (do )0.5 (t)6 (he)-19 (y )0.5 (e)-19 (v)-10 (alu)-4.9 (a)9 (t)6 (e t)6.1 (he )0.5 (suc)8 (c)8 (e)-7 (ss )0.5 (of )0.5 (e)8 (xi)-5 (sting )]TJ 0.015 Tw 0 -1.238 Td [(p)-13 (olic)-4.9 (ie)-7 (s)-24 (. )0.5 (U)14 (p t)6 (o now)51 (, )0.5 (t)6 (her)6 (e ha)-12 (s )0.5 (b)-13 (e)-14 (en no )0.5 (k)-6 (now)-10 (n pub)]TJ 0 Tw (-)Tj 0.008 Tw 0 -1.238 Td [(li)-5 (s)5 (he)-13.9 (d r)6 (e)-7 (s)-6 (e)-9 (ar)6 (c)5 (h t)6 (ha)9 (t r)6 (e)-19 (v)-9.9 (ie)-19 (w)-5 (s and c)8 (om)9 (p)-6 (ar)6 (e)-6.9 (s na)9.1 (tional )]TJ 0.173 Tw 0 -1.238 Td [(e)-14 (duc)-8 (a)9.1 (tional p)-13 (olic)-4.9 (ie)-7 (s aime)-13.9 (d a)9 (t t)6 (he young)-28 (. W)73 (e )0.5 (c)-8 (an )]TJ 0.138 Tw 0 -1.238 Td [(\036nd r)6 (e)-19 (v)-10 (ie)-19 (w)-5 (s of overall g)-5 (lob)-6 (al \(A)25 (t)6.1 (k)-6.1 (ins)-5.9 (on & M)5 (e)-7 (ss)-7.9 (y)51 (, )]TJ 0.155 Tw 0 -1.238 Td [(2013\), )0.6 (A)-12 (si)-5 (a )0.6 (and )0.6 (t)6 (he )0.5 (P)5 (ac)-4.9 (i\036c )0.5 (\(M)5 (e)-6.9 (ss)-8 (y )0.6 (& )0.5 (M)5 (on)9 (tic)8 (one, )]TJ 0.095 Tw 0 -1.238 Td [(2016\) \036nanc)-5 (i)-5 (al e)-14 (duc)-7.9 (a)9 (tion p)-13 (olitic)-8.9 (s)-24 (, whic)5 (h wer)6 (e not )]TJ 0.291 Tw 0 -1.238 Td [(f)6 (o)-13 (c)-6 (u)-4.9 (s)-6 (e)-14 (d on t)6 (he young)-28 (, and indiv)-10 (idu)-5 (al c)8 (oun)9 (tr)-8 (ie)-7 (s )]TJ 0.496 Tw 0 -1.238 Td [(yout)6 (h \036nanc)-4.9 (i)-5 (al )0.5 (e)-14 (duc)-8 (a)9 (tion )0.5 (stra)9 (t)6 (e)-6 (g)-11 (ie)-6.9 (s)-24 (, e)-7 (sp)-12.9 (e)-14 (c)-5 (i)-5 (ally )]TJ 0 Tw 0 -1.238 Td [(f)-9 (r)6 (om st)-5.9 (a)9 (t)6 (e)-7 (s in t)6.1 (he USA \(Br)6.1 (ow)-10 (n e)-6 (t al., 2014\). )]TJ 0.073 Tw 0 -1.711 Td [(\037e aim of t)6.1 (hi)-5 (s p)-5.9 (a)9 (p)-13 (er i)-5 (s t)6 (o in)12 (ve)-6.9 (stig)-6 (a)9 (t)6 (e and s)-8 (y)-10 (n)9 (t)6 (he)]TJ 0 Tw (-)Tj -0.009 Tw 0 -1.238 Td [(si)-10 (ze an in-de)-6 (pt)6 (h over)-32.9 (v)-10 (ie)-19 (w of na)9 (tional \036nanc)-4.9 (i)-5 (al e)-14 (du)]TJ 0 Tw (-)Tj 0.122 Tw 0 -1.238 Td [(c)-8 (a)9 (tion p)-13 (olic)-4.9 (ie)-7 (s and stra)9 (t)6 (e)-6 (g)-11 (ie)-6.9 (s aime)-13.9 (d a)9 (t t)6 (he young)-28 (. )]TJ -0.043 Tw 0 -1.238 Td [(\037i)-5 (s )0.5 (p)-6 (a)9 (p)-13 (er i)-5 (s a )0.5 (c)-8 (a)-12 (s)-6 (e st)7 (udy )0.5 (of \036nanc)-4.9 (i)-5 (al e)-14 (duc)-7.9 (a)9 (tion p)-13 (ol)]TJ 0 Tw (-)Tj -0.003 Tw 0 -1.238 Td [(ic)-5 (ie)-6.9 (s and stra)9.1 (t)6 (e)-6 (g)-11 (ie)-7 (s aime)-13.9 (d a)9 (t t)6 (he young of t)6 (he c)8 (oun)]TJ 0 Tw (-)Tj -0.018 Tw 0 -1.238 Td [(tr)-8 (ie)-7 (s t)6 (ha)9 (t ac)5 (hie)-19 (ve)-14 (d t)6 (he b)-13 (e)-6.9 (st r)6 (e)-7 (sult)-11.9 (s on t)6 (he Or)10 (g)-6 (ani)-4.9 (sa)]TJ 0 Tw (-)Tj 0.116 Tw 0 -1.238 Td [(tion )0.6 (f)6 (or )0.6 (Ec)8 (onomic )0.6 (Co)-13 (op)-12.9 (era)9 (tion )0.6 (and )0.6 (D)-11 (e)-19 (ve)7 (lopmen)9 (t )]TJ 0.107 Tw 0 -1.238 Td [(\(OE)-5 (C)-17.9 (D\) PI)-8 (SA t)6 (e)-7 (st)-19 (, A)25 (u)-5 (strali)-4.9 (a)-23 (, t)6 (he U)15 (nit)6 (e)-14 (d S)5 (t)-6 (a)9 (t)6 (e)-7 (s of )]TJ 0.124 Tw 0 -1.238 Td [(Amer)-8 (ic)-7.9 (a and )0.5 (t)6.1 (he U)15 (nit)6.1 (e)-14 (d )0.5 (Kingdom )0.5 (\(OE)-5 (C)-18 (D)26 (, )0.5 (2017\). )]TJ 0.05 Tw 0 -1.238 Td [(\037e p)-6 (a)9 (p)-12.9 (er hig)-5 (hlig)-4.9 (h)9 (t)-12 (s t)6 (he b)-12.9 (e)-7 (st prac)-5.9 (tic)8 (e)-7 (s of \036nanc)-5 (i)-4.9 (al )]TJ 0.075 Tw 0 -1.238 Td [(e)-14 (duc)-8 (a)9.1 (tion p)-13 (olic)-4.9 (ie)-7 (s and g)-10.9 (ive)-7 (s r)6 (e)-14 (c)8 (ommend)-5 (a)9 (tions f)6 (or )]TJ 0.05 Tw 0 -1.238 Td [(t)6 (he mo)-6.9 (st e\035c)-5 (ien)9 (t \036nanc)-5 (i)-5 (al e)-14 (duc)-8 (a)9 (tion e\034)6 (or)-12 (t)-12 (s a)9 (t t)6 (he )]TJ 0.182 Tw 0 -1.238 Td [(na)9 (tional le)-19 (ve)7 (l and t)6.1 (he im)9 (plemen)9 (t)-6 (a)9 (tion of an e\035)]TJ 0 Tw (-)Tj 0 -1.238 Td [(c)-5 (ien)9 (t \036nanc)-4.9 (i)-5 (al e)-13.9 (duc)-8 (a)9 (tion p)-12.9 (olic)-25.9 (y in Cr)6 (o)-6 (a)9 (ti)-4.9 (a)-23 (.)]TJ 0.135 Tw 0 -1.711 Td [(\037i)-5 (s p)-6 (a)9 (p)-13 (er a)9 (ppr)6.1 (o)-6 (ac)5 (he)-7 (s t)6.1 (he t)6 (opic in a unique w)-10 (a)13 (y)51 (, )]TJ 0.125 Tw 0 -1.238 Td [(\036lling t)6 (he e)8 (xi)-5 (sting r)6 (e)-7 (s)-6 (e)-9 (ar)6 (c)5 (h g)-6 (a)9 (p a)-12 (s it analy)-5 (s)-5.9 (e)-7 (s and )]TJ 0.169 Tw 0 -1.238 Td [(s)-8 (y)-5 (st)6.1 (ema)9 (tic)-8 (ally r)6 (e)-19 (ve)-9 (al)-4.9 (s e\035c)-4.9 (ien)9 (t and r)6 (e)-14 (c)8 (ommende)-13.9 (d )]TJ 0.415 Tw 0 -1.238 Td [(prac)-6 (tic)8.1 (e)-7 (s of \036nanc)-5 (i)-4.9 (al e)-14 (duc)-7.9 (a)9 (tion p)-13 (olic)-4.9 (ie)-7 (s aime)-14 (d )]TJ 0.112 Tw 0 -1.238 Td [(a)9 (t t)6.1 (he young)-28 (, it indir)6 (e)-14 (c)-6 (t)6.1 (ly dra)13 (w)-5 (s a c)8 (onne)-14 (c)-6 (tion b)-13 (e)]TJ 0 Tw (-)Tj 0.012 Tw 0 -1.238 Td [(twe)-14 (en t)6.1 (he im)9 (p)-6 (ac)-6 (t of \036nanc)-4.9 (i)-5 (al e)-14 (duc)-7.9 (a)9 (tion p)-13 (olic)-4.9 (ie)-7 (s on )]TJ 0.054 Tw 0 -1.238 Td [(r)6 (e)-7 (sp)-13 (onsible )0.6 (\036nanc)-5 (i)-4.9 (al b)-12.9 (e)7 (ha)13 (v)-10 (ior )0.5 (among )0.5 (t)6 (he )0.5 (young )0.5 (in )]TJ 0.137 Tw 0 -1.238 Td [(s)-6 (e)-19 (veral )0.6 (c)8 (om)9 (ple)-6 (t)6.1 (e)6.9 (ly )0.5 (di\034)6.1 (er)6 (en)9 (t )0.5 (na)9 (tional )0.6 (s)-5.9 (e)-6 (t)7 (ting)-9 (s)-24 (, )0.6 (and )]TJ 0.007 Tw 0 -1.238 Td [(it hig)-5 (hlig)-4.9 (h)9 (t)-12 (s whic)5.1 (h ac)-6 (tiv)-10 (itie)-6.9 (s s)5 (hould b)-12.9 (e a)13 (voide)-14 (d and )]TJ 0.157 Tw 0 -1.238 Td [(im)9 (plemen)9 (t)6 (e)-13.9 (d t)6 (o pr)6 (ov)-10 (ide e\035c)-5 (ien)9 (t \036nanc)-4.9 (i)-5 (al e)-14 (duc)-8 (a)]TJ 0 Tw (-)Tj 0 -1.238 Td (tion.)Tj /T1_3 1 Tf 10 0 0 10 248.0315 610.6128 Tm (2.)Tj /Span<>> BDC ( )Tj EMC 1.134 0 Td (Theoretical background)Tj /T1_4 1 Tf 9 0 0 9 248.0315 594.8678 Tm (2.1)Tj /Span<>> BDC ( )Tj EMC 1.89 0 Td (De\037nition of \037nancial education)Tj /T1_2 1 Tf 0.421 Tw -1.89 -1.534 Td [(F)23 (inanc)-4.9 (i)-5 (al e)-14 (duc)-7.9 (a)9 (tion i)-5 (s a pr)6.1 (o)-13 (c)8 (e)-7 (ss of im)9 (pr)6.1 (ov)-10 (ing )]TJ 0.191 Tw 0 -1.22 Td [(c)8 (onsumers\222 underst)-5.9 (anding of \036nanc)-5 (i)-5 (al t)6 (er)-8 (ms and )]TJ 0.173 Tw 0 -1.22 Td [(c)8 (onc)8 (e)-6 (pt)-11.9 (s and ac)8 (qui)-4.9 (sition of s)5 (k)-6 (ill)-4.9 (s and c)8 (on\036denc)8.1 (e )]TJ 0.059 Tw 0 -1.22 Td [(c)-5 (r)-12 (uc)-4.9 (i)-5 (al f)6 (or mak)-5.9 (ing e\035c)-5 (ien)9 (t and inf)6 (or)-8 (me)-14 (d \036nanc)-5 (i)-4.9 (al )]TJ -0.047 Tw 0 -1.22 Td [(de)-14 (c)-5 (i)-4.9 (sions and, \036nally)51.1 (, f)6 (or ac)5 (hie)-18.9 (v)-10 (ing p)-13 (ers)-5.9 (onal we)7 (lf)-7.9 (ar)6 (e )]TJ -0.052 Tw 0 -1.22 Td [(\(OE)-5 (C)-17.9 (D)26 (, 2005\). H)6 (enc)8 (e, \036nanc)-5 (i)-4.9 (al e)-13.9 (duc)-8 (a)9 (tion im)9 (pr)6 (ove)-7 (s )]TJ 0.015 Tw 0 -1.22 Td [(c)8 (onsumers\222 \036nanc)-5 (i)-5 (al k)-6 (nowle)-14 (dge and, c)8 (ons)-6 (e)-14 (quen)9 (t)6 (ly)51.1 (, )]TJ -0.034 Tw 0 -1.22 Td [(t)6 (heir \036nanc)-5 (i)-4.9 (al lit)6 (erac)-25.9 (y \(H)22 (u)-5 (st)6.1 (on, 2010\). Hig)-5 (her le)-19 (ve)7 (l)-4.9 (s )]TJ 0.047 Tw 0 -1.22 Td [(of \036nanc)-5 (i)-4.9 (al lit)6 (erac)-26 (y ha)13 (ve a p)-13 (o)-7 (sitive e\034)6 (e)-14 (c)-5.9 (t on t)6 (he \036)]TJ 0 Tw (-)Tj 0.009 Tw 0 -1.22 Td [(nanc)8 (e)-7 (s )0.5 (of indiv)-10 (idu)-5 (al)-4.9 (s and hou)-5 (s)-6 (e)7 (hold)-4.9 (s)-24 (, but al)-5 (s)-6 (o le)-8.9 (ad )]TJ 0.093 Tw 0 -1.22 Td [(t)6 (o pr)6 (o)-7 (sp)-13 (er)6 (ou)-4.9 (s and st)-5.9 (a)7 (ble e)-14 (c)8 (onomic)-9 (s \(B)-13 (arbi\032 e)-6 (t al., )]TJ -0.036 Tw 0 -1.22 Td [(2019\). )0.5 (\037er)6 (ef)6 (or)6 (e, )0.5 (\036nanc)-4.9 (i)-5 (al )0.5 (e)-14 (duc)-8 (a)9 (tion, )0.5 (a)-11.9 (s a )0.5 (c)8 (ombina)]TJ 0 Tw (-)Tj -0.003 Tw 0 -1.22 Td [(tion of k)-6 (nowle)-14 (dge, a)9 (t)7 (tit)7 (ude)-6.9 (s and b)-13 (e)7 (ha)13 (v)-9.9 (ior)73 (, supp)-12.9 (or)-12 (t)-12 (s )]TJ 0.254 Tw 0 -1.22 Td [(\036nanc)-4.9 (i)-5 (al de)-14 (c)-4.9 (i)-5 (sion mak)-5.9 (ing and le)-9 (ad)-5 (s t)6 (o c)8 (onsum)]TJ 0 Tw (-)Tj 0.098 Tw 0 -1.22 Td [(ers\222 \036nanc)-4.9 (i)-5 (al we)7 (ll-b)-12.9 (eing \(A)25.1 (t)6 (k)-6 (ins)-6 (on & M)5 (e)-6.9 (ss)-8 (y)51 (, 2012; )]TJ 0 Tw 0 -1.22 Td (2013\).)Tj 0.348 Tw 0 -1.692 Td [(\037e aim of \036nanc)-5 (i)-4.9 (al e)-14 (duc)-8 (a)9 (tion pr)6 (o)-5 (g)-10.9 (rams i)-5 (s t)6 (o )]TJ 0.105 Tw 0 -1.22 Td [(c)5 (hange a)9 (t)7 (tit)7.1 (ude)-7 (s)-24 (, b)-13 (e)7 (ha)13.1 (v)-10 (ior and k)-6 (nowle)-13.9 (dge of c)8 (on)]TJ 0 Tw (-)Tj 0.136 Tw 0 -1.22 Td [(sumers in t)6 (he c)8 (on)9 (t)6 (e)8 (x)8 (t of p)-13 (ers)-5.9 (onal \036nanc)8.1 (e \(F)34 (o)16 (x e)-5.9 (t )]TJ 0.095 Tw 0 -1.22 Td [(al., )0.6 (2005; )0.5 (L)9 (u\033)-5 (i\032 )0.6 (e)-6 (t )0.6 (al., )0.6 (2020a\). )0.5 (F)23 (inanc)-5 (i)-5 (al )0.6 (k)-6 (nowle)-14 (dge )]TJ 0.04 Tw 0 -1.22 Td [(c)8 (ould b)-13 (e ac)8 (quir)6.1 (e)-14 (d t)6 (hr)6 (oug)-4.9 (h f)6 (or)-8 (mal, non-f)6 (or)-8 (mal and )]TJ 0.176 Tw 0 -1.22 Td [(inf)6 (or)-8 (mal \036nanc)-4.9 (i)-5 (al e)-14 (duc)-8 (a)9 (tion \(Co)-13 (omb)-6.9 (s & Ahme)-14 (d, )]TJ 0.019 Tw 0 -1.22 Td [(1974; \031wiecka e)-6 (t al., 2019\). F)34.1 (or)-8 (mal \036nanc)-5 (i)-4.9 (al e)-14 (duc)-8 (a)]TJ 0 Tw (-)Tj 0.23 Tw 0 -1.22 Td [(tion r)6 (ef)6 (ers t)6 (o or)10 (g)-6 (ani)-9.9 (ze)-14 (d, str)-11.9 (uc)-6 (t)7 (ural, st)-6 (and)-4.9 (ar)6 (di)-10 (ze)-14 (d )]TJ 0.083 Tw 0 -1.22 Td [(and )0.5 (pl)-5 (anne)-13.9 (d prac)-5.9 (tic)8 (e )0.5 (pr)6 (ov)-10 (ide)-14 (d )0.5 (by )0.5 (t)6 (he )0.5 (gover)-8 (nmen)9 (t )]TJ 0.034 Tw 0 -1.22 Td [(t)6 (hr)6 (oug)-5 (h e)-14 (duc)-8 (a)9 (tional instit)7.1 (utions suc)5 (h a)-12 (s e)7 (lemen)9 (t)-6 (a)]TJ 0 Tw (-)Tj -0.026 Tw 0 -1.22 Td [(r)-33 (y s)-5.9 (c)5 (ho)-13 (ol)-5 (s)-24 (, hig)-4.9 (h s)-6 (c)5 (ho)-13 (ol)-4.9 (s and c)8 (olle)-5.9 (ge)-7 (s \(Xi)-4.9 (ao & P)23 (or)-12 (t)6 (o, )]TJ 0.014 Tw 0 -1.22 Td [(2017\). On t)6 (he ot)6 (her hand, non-f)6.1 (or)-8 (mal \036nanc)-4.9 (i)-5 (al e)-14 (d)]TJ 0 Tw (-)Tj 0.209 Tw 0 -1.22 Td [(uc)-8 (a)9 (tion )0.5 (im)9 (plie)-7 (s )0.5 (instit)7.1 (utionali)-10 (ze)-13.9 (d pr)6 (o)-5 (g)-10.9 (rams whic)5 (h )]TJ 0.027 Tw 0 -1.22 Td [(ar)6 (e not p)-6 (ar)-11.9 (t of f)6 (or)-8 (mal e)-14 (duc)-8 (a)9 (tion or c)-6 (ur)-8 (r)-8 (ic)-6 (ulum but )]TJ 0.072 Tw 0 -1.22 Td [(c)8 (om)9 (plemen)9 (t overall ne)-13.9 (e)-14 (d)-5 (s f)6 (or \036nanc)-4.9 (i)-5 (al k)-6 (nowle)-13.9 (dge )]TJ -0.009 Tw 0 -1.22 Td [(\(\031wiecka e)-6 (t al., 2019\). F)23 (inally)51.1 (, inf)6.1 (or)-8 (mal \036nanc)-4.9 (i)-5 (al e)-14 (d)]TJ 0 Tw (-)Tj 0.066 Tw 0 -1.22 Td [(uc)-8 (a)9 (tion or s)-6 (e)7 (lf)-5 (-e)-14 (duc)-7.9 (a)8.9 (tion in)12 (volve)-6.9 (s c)8.1 (olle)-14 (c)-6 (ting inf)6 (or)]TJ 0 Tw 20.893 0 Td (-)Tj 0.054 Tw -20.893 -1.22 Td [(ma)9 (tion by t)-6 (alk)-6 (ing w)-10 (it)6 (h f)-8 (amily memb)-13 (ers)-23.9 (, f)-9 (r)-8 (iend)-4.9 (s or )]TJ 0.132 Tw 0 -1.22 Td [(t)6 (hr)6 (oug)-5 (h me)-13.9 (di)-5 (a)-23 (, pr)6 (of)6 (e)-6.9 (ssional b)-12.9 (o)-13 (ok)-17 (s and t)6.1 (he wor)6 (k)]TJ 0 Tw 20.893 0 Td (-)Tj -20.893 -1.22 Td [(pl)-5 (ac)8 (e \(Co)-12.9 (omb)-7 (s & Ahme)-13.9 (d, 1974\).)]TJ 0.092 Tw 0 -1.692 Td [(F)23 (inanc)-4.9 (i)-5 (al e)-14 (duc)-8 (a)9 (tion i)-5 (s f)6 (o)-13 (c)-6 (u)-5 (s)-6 (e)-14 (d on overall p)-12.9 (ers)-6 (onal )]TJ 0.005 Tw 0 -1.22 Td [(\036nanc)8 (e, mone)-19 (y managemen)9.1 (t)-19 (, budge)-5.9 (ting)-28 (, sa)13 (v)-10 (ing)-8.9 (s)-24 (, it )]TJ 0.037 Tw 0 -1.22 Td [(em)9 (pha)-12 (si)-9.9 (ze)-7 (s t)6 (he im)9.1 (p)-13 (or)-12 (t)-6 (anc)8 (e of r)6 (e)-6 (tir)6 (emen)9 (t pl)-5 (anning )]TJ -0.008 Tw 0 -1.22 Td [(and e)8 (x)8 (pl)-5 (ains t)6 (he b)-13 (or)-8 (r)6 (ow)-10 (ing a)-12 (sp)-12.9 (e)-14 (c)-6 (t \(F)34 (o)16 (x e)-6 (t al., 2005\) )]TJ 0.099 Tw 0 -1.22 Td [(and )0.6 (it )0.5 (c)8 (ould )0.6 (b)-13 (e )0.5 (dir)6.1 (e)-14 (c)-6 (t)6 (e)-14 (d )]TJ 0 0 0 rg /GS0 gs 10.568 0 Td [(t)6 (ow)-10 (ar)6 (d)-4.9 (s )0.5 (c)5 (hildr)6 (en, )0.6 (adole)-6.9 (s)]TJ 0 Tw 10.325 0 Td (-)Tj 0.109 Tw -20.893 -1.22 Td [(c)8 (en)9 (t)-12 (s and adult)-11.9 (s \()]TJ 0 0 0 1 k /GS1 gs [(\031wiecka e)-6 (t al., 2019\).)]TJ 0 0 0 rg /GS0 gs 0 Tw ( )Tj 0 0 0 1 k /GS1 gs 0.109 Tw 16.87 0 Td [(B)-20 (e)-7 (side)-6.9 (s \036)]TJ 0 Tw (-)Tj 0.1 Tw -16.87 -1.22 Td [(nanc)-5 (i)-4.9 (al )0.6 (k)-6.1 (nowle)-13.9 (dge, )0.6 (\036nanc)-5 (i)-4.9 (al )0.5 (e)-14 (duc)-7.9 (a)9 (tion )0.6 (s)5 (ha)9 (p)-13 (e)-7 (s )0.6 (de)]TJ 0 Tw (-)Tj 0.204 Tw 0 -1.22 Td [(sira)7 (ble )0.6 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