We analyze a national sample of Americans with respect to their debt literacy, financial experiences, and their judgments about the extent of their indebtedness. Debt literacy is measured by questions testing knowledge of fundamental concepts related to debt and by selfassessed financial...

This study analyzes data on cigarette purchasing, using the IRI academic dataset. Major findings are: cigarette purchasing in this market exhibits a reverse-J, or ‘NBD (Negative Binomial Distribution)-like shape: many infrequent buyers and fewer frequent buyers, although this pattern may be...