作者：BEAR, RM; STEVENSON, RA
作者单位：Pennsylvania Commonwealth System of Higher Education (PCSHE); Pennsylvania State University; Pennsylvania State University - University Park; University of Iowa
作者：KROUSE, CG
作者单位：University of California System; University of California Los Angeles
作者：RENSHAW, EF
作者单位：State University of New York (SUNY) System; University at Albany, SUNY
作者：PIERCE, DA
作者单位：Federal Reserve System - USA; Federal Reserve System Board of Governors
作者：MONAHAN, J; MONAHAN, K
作者单位：Boston University
