An examination of the effects of price and availability of credit from commercial lending organizations on the start-up rates of new businesses within specific markets, finding that profitable and competitive banking markets are associated with higher rates of firm births.

A study of the effects of bank structure and profitability on the births of new firms, arguing that local credit markets potentially affect firm location decisions.

A test of whether the enactment of a dedicated tax leads to higher payroll and wages for public employees, by means of survey results from the local mass-transit industry.