First term	Second term
effective	cost	0.2831
effective	appropriate	0.2544
effective	transfer	0.2370
effective	total	0.2160
effective	basis	0.2134
effective	difference	0.2120
effective	costs	0.2110
effective	means	0.2074
effective	measure	0.2049
effective	procedures	0.2010
effective	changes	0.1983
effective	requirements	0.1979
effective	common	0.1976
effective	greater	0.1963
effective	independent	0.1948
effective	associated	0.1946
effective	activity	0.1911
effective	limits	0.1907
effective	period	0.1862
effective	benefits	0.1858
effective	low	0.1855
effective	factors	0.1853
effective	limited	0.1851
effective	results	0.1841
effective	methods	0.1837
effective	benefit	0.1815
effective	basic	0.1807
effective	position	0.1804
effective	efficiency	0.1800
effective	amount	0.1788
effective	limit	0.1787
effective	maximum	0.1780
effective	conditions	0.1772
effective	average	0.1767
effective	percent	0.1766
effective	years	0.1761
effective	accounting	0.1757
effective	ability	0.1748
effective	contracts	0.1744
effective	change	0.1740
effective	term	0.1738
effective	range	0.1737
effective	paid	0.1717
effective	measures	0.1714
effective	alternative	0.1702
effective	evaluation	0.1696
effective	larger	0.1692
effective	measurement	0.1687
effective	policies	0.1682
effective	per	0.1678
effective	environment	0.1673
effective	pay	0.1672
effective	contract	0.1664
effective	strategy	0.1664
effective	expected	0.1660
effective	interest rate	0.1648
effective	values	0.1646
effective	according	0.1638
effective	federal	0.1638
effective	constant	0.1630
effective	long	0.1630
effective	months	0.1630
effective	payment	0.1623
effective	risks	0.1621
effective	payments	0.1608
effective	called	0.1603
effective	flow	0.1599
effective	calculated	0.1591
effective	present	0.1588
effective	agreement	0.1587
effective	interest	0.1582
effective	higher	0.1580
effective	zero	0.1580
effective	demand	0.1577
effective	rates	0.1574
effective	balance	0.1571
effective	gain	0.1571
effective	fall	0.1569
effective	long-term	0.1569
effective	assets	0.1563
effective	currently	0.1561
effective	evaluate	0.1556
effective	estimate	0.1553
effective	annual	0.1548
effective	law	0.1545
effective	developed	0.1543
effective	future	0.1543
effective	short	0.1537
effective	high	0.1530
effective	taking	0.1530
effective	regulation	0.1524
effective	commercial	0.1523
effective	operation	0.1522
effective	overall	0.1521
effective	weighted	0.1519
effective	year	0.1519
effective	cash	0.1516
effective	across	0.1511
effective	government	0.1503
effective	association	0.1499
effective	losses	0.1497
effective	rate	0.1492
effective	rise	0.1492
effective	activities	0.1490
effective	property	0.1487
effective	distribution	0.1482
effective	banks	0.1479
effective	better	0.1479
effective	principal	0.1479
effective	sold	0.1478
effective	traded	0.1475
effective	techniques	0.1474
effective	development	0.1461
effective	issued	0.1457
effective	takes	0.1453
effective	efficient	0.1452
effective	instruments	0.1450
effective	production	0.1450
effective	national	0.1447
effective	performance	0.1441
effective	percentage	0.1440
effective	product	0.1439
effective	firms	0.1433
effective	actions	0.1429
effective	forward	0.1426
effective	held	0.1414
effective	offset	0.1411
effective	settlement	0.1411
effective	highly	0.1410
effective	volume	0.1408
effective	broad	0.1404
effective	positions	0.1401
effective	probability	0.1400
effective	managers	0.1394
effective	firm	0.1389
effective	sales	0.1389
effective	changing	0.1388
effective	exposure	0.1385
effective	accounts	0.1379
effective	regulatory	0.1377
effective	corporate	0.1373
effective	natural	0.1373
effective	periods	0.1373
effective	account	0.1372
effective	central	0.1372
effective	strategies	0.1372
effective	share	0.1369
effective	claims	0.1363
effective	management	0.1362
effective	estimated	0.1361
effective	variable	0.1360
effective	liability	0.1358
effective	estimates	0.1356
effective	functions	0.1356
effective	purchase	0.1356
effective	give	0.1355
effective	statement	0.1354
effective	special	0.1353
effective	adjusted	0.1339
effective	credit	0.1338
effective	holding	0.1336
effective	setting	0.1336
effective	insurance	0.1332
effective	sale	0.1332
effective	institutions	0.1331
effective	business	0.1328
effective	calculation	0.1326
effective	members	0.1324
effective	amounts	0.1316
effective	points	0.1313
effective	political	0.1313
effective	active	0.1311
effective	original	0.1310
effective	report	0.1310
effective	resources	0.1306
effective	supply	0.1306
effective	board	0.1305
effective	make a profit	0.1303
effective	profit	0.1303
effective	countries	0.1301
effective	allocation	0.1297
effective	call	0.1295
effective	outstanding	0.1295
effective	pricing	0.1294
effective	book	0.1293
effective	highest	0.1292
effective	fixed	0.1289
effective	approaches	0.1288
effective	bank	0.1288
effective	private	0.1287
effective	key	0.1285
effective	expectations	0.1282
effective	domestic	0.1281
effective	receive	0.1280
effective	goods	0.1279
effective	risk	0.1279
effective	capital	0.1276
effective	accurate	0.1271
effective	model	0.1270
effective	equity	0.1269
effective	statistical	0.1268
effective	risk management	0.1266
effective	covered	0.1265
effective	committee	0.1262
effective	keep	0.1261
effective	regulations	0.1261
effective	economic	0.1260
effective	laws	0.1256
effective	technology	0.1256
effective	real	0.1255
effective	cover	0.1250
effective	foreign	0.1250
effective	objective	0.1250
effective	correlation	0.1242
effective	reserve	0.1241
effective	treasury	0.1241
effective	positive	0.1240
effective	processes	0.1236
effective	senior	0.1236
effective	sell	0.1233
effective	inflation	0.1230
effective	dollar	0.1228
effective	international	0.1228
effective	valuation	0.1228
effective	claim	0.1224
effective	flows	0.1220
effective	advantage	0.1219
effective	ratio	0.1217
effective	industry	0.1212
effective	american	0.1211
effective	electronic	0.1209
effective	corporation	0.1202
effective	companies	0.1201
effective	prices	0.1199
effective	income	0.1198
effective	random	0.1192
effective	security	0.1191
effective	short-term	0.1188
effective	effectively	0.1186
effective	integrated	0.1183
effective	fair	0.1182
effective	price	0.1180
effective	industrial	0.1175
effective	purchased	0.1171
effective	gains	0.1170
effective	mean	0.1168
effective	loan	0.1164
effective	calculate	0.1159
effective	cash flow	0.1159
effective	cycle	0.1159
effective	country	0.1154
effective	trade	0.1154
effective	knowledge	0.1150
effective	world	0.1150
effective	expenses	0.1149
effective	products	0.1149
effective	interests	0.1145
effective	month	0.1143
effective	obligation	0.1140
effective	objectives	0.1136
effective	derivative	0.1134
effective	yield	0.1133
effective	commission	0.1122
effective	put	0.1120
effective	derived	0.1114