1. The Vanguard Group, Inc., P.O. Box 2600, MS V36, Valley Forge, PA 19482 (email: )
2. Federal Reserve Board of Governors, 20th Street and Constitution Avenue N.W., Washington, DC 20551 (email: )
3. New York University, 19 W. 4th Street, 6th Floor, New York, NY 10012, and NBER (email: )
4. Carleton University, 1125 Colonel By Drive, Ottawa, ON K1S 5B6, Canada (email: )
5. University of Michigan, 611 Tappan Street, Ann Arbor, MI 48109-1220, and NBER (email: )
6. Stanford University Graduate School of Business, 655 Knight Way, Stanford, CA 94305, and NBER (email: )