1. Board of Governors of the Federal Reserve System 20th St. and C St. N.W. Washington D.C. U.S.A
2. School of Banking and Finance University of International Business and Economics 10 Huixin E. St. Chaoyang District Beijing China
3. David Nazarian College of Business and Economics California State University‐Northridge 18111 Nordhoff St. Northridge California U.S.A