1. Oliver Wyman Financial Services, 1 Neal Street, London, WC2H 9QL England.
2. Tuck School, Dartmouth College, 314 Woodbury Hall, Hanover, NH 03755.
3. EDHEC Business School, 393, Promenade des Anglais BP 3116, 06202 Nice Cedex 3, France.
4. Department of Economics, Harvard University, M9 Littauer Center, Cambridge, MA 02138.