References
[1]. Armbruster, B. B., Echols, C. H., & Brown, A. L. (1983). The role of metacognition in reading to learn: A developmental perspective. Reading Education Report No. 40. Urbana, IL: Center for the Study of Reading. [ED228 617]
[2]. Ary, D., Jacobs, L.C., Sorensen, C., & Razavich, A. (2010). Introduction to research education (8th Ed.). Wadsworth Cengage Learning.
[3]. Biancarosa, G. & Snow, C. E. (2003). Reading next: A vision for action and research in middle and high school literacy. Washington DC: Alliance for Excellent Education.
[4]. Brandimonte, M. A., Bruno, N., & Collina, S. (2006). Cognition. In P. Pawlik and G. d'Ydewalle (Eds.) Psychological Concepts: An International Historical Perspective. Hove, UK: Psychology Press, 2006. Retrieved from: http://www2.unipr.it/~brunic22/mysite/cogn06.pdf
[5]. Bransford, J., Brown, A., & Cocking, R. (Eds.) (1999). How People Learn: Brain, Mind, Experience, and School. Washington, DC: National Academy Press.
[6]. Chall, J. (1983). Stages of Reading Development. New York: McGraw Hill.
[7]. Cogan Jr., J. A. (2010). Readability, Contracts of Recurring Use, and the Problem of Ex Post Judicial Governance of Health Insurance Policies. Roger Williams University Law Review, 15 (1), 93-126.
[8]. Creswell, J. W. (2006). Qualitative Inquiry and Research Design: Choosing among Five Approaches (2nd Ed.). Thousand Oaks, California, United States of America: Sage Publications, Inc.
[9]. Danet, B. (1980). Language in Legal Process. Contemporary Issues in Law and Social Science, 14(3), 445-564.
[10]. Dawson, T. L. (2008). Metacognition and Learning in Adulthood. Developmental Testing Service, South Park, Northampton.
[11]. EnGauge 21st century skills. (2003). EnGauge. Retrieved from: http://www.ncrel.org/engauge
[12]. Estrabooks, C. A. (1999). The conceptual structure of research utilization. Research in Nursing & Health, 22, 203- 216.
[13]. Estrabooks, C. A. (2001). Research utilization and qualitative research. In J. M. Morse, J. M. Swanson, & A. J. Kuzel (Eds.), The Nature of Qualitative Evidence (pp. 275- 298). Thousand Oaks, CA: Sage.
[14]. Flavell, J. H. (1979). Metacognition and cognitive monitoring: A new area of cognitive-developmental inquiry. American Psychologist, 34, 906-911.
[15]. Grabe, W. & Stoller, F. L. (2011). Teaching and Researching Reading (2nd ed). London: Routledge.
[16]. Hammersley & Atkinson, P. (1995). Ethnography: Principles in Practice (2nd ed). Routledge, London.
[17]. Hawkins, K. (2011). Many are consumers confused by language in insurance policies. Retrieved from: www.insurancequotes.com
[18]. Hermosa, N. (2002). The Psychology of Reading. Diliman Quezon City: University of the Philippines.
[19]. Husserl, E. (1970). The Crisis of European Sciences and Transcendental Phenomenology (D. Carr, Trans). Evanston, IL: Northwestern University Press.
[20]. Ilustre, C. A. (2011). Beliefs about reading, metacognitive reading strategies and text comprehension among college students in a private university. Philippine ESL Journal, 7, Time Taylor International.
[21]. Johnson, A. (2013). Economic literacy is essential for all. Retrieved from https://econprofaj.wordpress.com/ 2013/03/26/economic-literacy-is-essential-for-all/
[22]. Lintao, R. B. (2015). Simplifying a Philippine consumer-finance contract: Towards the development of a user-comprehensible, readable and legally acceptable document (Doctoral Dissertation University of Santo Tomas).
[23]. McCombs, B. (1989). Self-regulated Learning and Academic Achievement: A Phenomenological View. New York: Springer New York Inc. pp. 51-82.
[24]. Mokhtari, K. & Sheorey, R. (2001). Differences in the metacognitive awareness of reading strategies among native and non-native readers. Science Direct, 29(4), 431- 449.
[25]. Moustakas, C. (1994). Phenomenological Research Methods. Thousand Oaks, London; New Delhi: Sage Publications.
[26]. National Center for Adult Literacy. (2002). Defining and measuring literacy. National Assessments of Adult Literacy (NAAL). Retrieved from http://nces.ed.gov/naal/ defining/defining.asp
[27]. Oliver, P. (2006). Purposive Sampling. SAGE Research Methods, Retrieved from http://srmo.sagepub.com/ view/the-sage-dictionary-of-social-research-methods/ n162.xml
[28]. Pikulski, J. J. (2002). Readability. Houghton Mifflin Company. Retrieved from https://www.eduplace.com/ state/author/pikulski.pdf
[29]. Rosenblatt, L. M. (1978). The Reader, the Text, the Poem: The Transactional Theory of the Literacy Work. Carbondale Southern Illinois University Press. p. 196.
[30]. Sandelowski, M. (2004). Using qualitative research. Sage Journals, 14(10). 1366-1386.
[31]. Scott, D. (2010). Education, Epistemology, and Critical Realism. New York, U.S.A. Routledge.
[32]. Tei, E. & Stewart, O. (1985). Effective Studying from Text. Forum for Reading, (2), 46-55.
[33]. The Condition of Education. (2003). National Center for Educational Statistics. US Department of Education Science.
[34]. Tiersma, P. (1999). Legal Language. University of Chicago Press.
[35]. Trosborg, A. (1991). An analysis of legal speech acts in English contract law. Journal of Linguistics, 6, 65-90. doi:http://dx.doi.org/10.7146/hjlcb.v4i6.21456.
[36]. Van Manen, M. (1980). Pedagogical Theorizing. Curriculum Praxis. Department of Secondary Education, Universtiy of Alberta.
[37]. Zarrabi, S. (2015). Exploring metacognitive online reading strategies of non-native English-speaking translation students. USF Scholarship. University of San Francisco. Retrieved from http://repository.usfca.ed