1. Department of Economics, Lund University, P. O. Box 7082, S-220 07 Lund, Sweden
2. Stockholm Business School, Stockholm University, S-106 91 Stockholm, Sweden
3. Aalborg University Business School, Fibigerstræde 2, DK-9220 Aalborg Øst, Denmark
4. Danish Finance Institute, Solbjerg Plads 3, DK-2000 Frederiksberg, Denmark