1. Center for Financial Research, Federal Deposit Insurance Corporation, 550 17th Street NW, Washington, DC 20429 (email: )
2. Office of Financial Research, US Department of the Treasury, 717 14th Street NW, Washington, DC 20220 (email: )
3. W. P. Carey School of Business, Arizona State University, 400 E. Lemon Street, Tempe, AZ 85287 (email: )