Affiliation: | 1. Office of the Comptroller of the Currency, 400 7th St SW, Washington, DC 20219, United States;2. Board of Governors of the Federal Reserve System, 20th St & Constitution Ave NW, Washington, DC 20551, United States;1. University of Geneva, 40 Bv du Pont d’Arve, Geneva 1205, Switzerland;2. McDonough School of Business, Georgetown University, USA;3. CRENOS, Italy;4. FNRS and IRES, Université catholique de Louvain, Place Montesquieu 3, Louvain la Neuve 1348, Belgium;5. FWO and LICOS, KU Leuven, Waaistraat 6, Leuven 3000, Belgium;1. CERDI, University of Auvergne, Bd. F. Mitterrand, 65, F-63000 Clermont-Fd, France;2. CNRS, France;3. Universidad Autónoma de Madrid, Department of Economic Analysis, Francisco Tomás y Valiente, 5, E-28049 Madrid, Spain;4. IAE (CSIC), Spain |