1. Department of Psychology, College of Arts and Sciences, The Ohio State University, 1835 Neil Avenue, Columbus, OH 43210, USA.
2. Nisonger Center for Excellence in Developmental Disabilities, The Ohio State University, 1581 Dodd Drive, Columbus, OH 43210-1257, USA.
3. Department of Finance, Fisher College of Business, The Ohio State University, 606A Fisher Hall, 2100 Neil Avenue, Columbus, OH 43210, USA.
4. National Bureau of Economic Research, 1050 Massachusetts Ave., Cambridge, MA 02138, USA.
5. The Swedish House of Finance at the Stockholm School of Economics, Drottninggatan 98, 111 60 Stockholm, Sweden.
6. The Federal Reserve Bank of Philadelphia, 10 N Independence Mall W, Philadelphia, PA 19106, USA.