1. Federal Reserve Bank of Chicago, 230 S. LaSalle Street, Chicago, IL 60604 (email: )
2. University of North Carolina at Chapel Hill School of Education, 107 Peabody Hall, CB 3500, Chapel Hill, NC 27599 and University of Chicago Consortium on School Research, 1313 E. 60th Street, Chicago, IL 60637 (email: )
3. University of Chicago Consortium on School Research, 1313 E. 60th Street, Chicago, IL 60637 (email: )