26 Highlights:
https://docs.google.com/document/d/1I7PaurZ3iqvZgGJKocvid7KlIIgPj8v69JXZmd6YmqI/edit?usp=drivesdk


The authors thank the Bill & Melinda Gates Foundation for its support of
this research. Thanks are also owed to the research assistants at the
Center on Finance, Law & Policy, especially Megan Kelly and Avaskhan
Assanaliyev.
Authors
Michael S. Barr
msb...@umich.edu
Adrienne A. Harris
adrie...@umich.edu
Lev Menand
lmen...@law.columbia.edu
Wenqi (Michael) Xu
mike...@umich.edu
University of Michigan Center on Finance, Law & Policy Weill Hall Suite
5211
735 S. State St.
Ann Arbor, MI 48109

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