<p>This is a second "revise and resubmit" we have received for this paper&nbsp;for the journal of Financial Counseling and Planning. &nbsp;<br /><br />Most recent reviewer's comments are in the paper dated 9/22. &nbsp;Comments/changes made on 9/30 were one of my coathor's. &nbsp;Comments/changes made today (10/9) were my own.<br /><br />Some of the reviewer's comments I don't expect you to address (such as, include a source explaining X). &nbsp;Really what I/we need help with is that I feel this paper has turned into Frankenstein's monster. &nbsp;I don't think it is clear and succinct. &nbsp;It doesn't read well. &nbsp;We need help! <br /><br />&nbsp;Thanks, Travis</p>
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