Eraslan, Hülya (contributor); Li, Wenli (contributor); … - 2007
Sarah Carroll provided excellent research assistance. We acknowledge nancial support from the FDIC
Center for Financial … Research, the Wharton Financial Institution Center, and the Rodney White Center for
Financial Research. Finally, we are … rates.
The paper contributes to a growing area of research whose aim is to assess behavioral
and welfare consequences of di …