The Federal Deposit Insurance Corporation (FDIC) Center for Financial Research (CFR) Working Paper Series constitutes preliminary research carried out by the CFR staff and visitors. The FDIC established the CFR to promote research on topics important to the FDIC's mission including deposit insurance, bank supervision, and resolution of failed financial institutions. The papers in the series are circulated to stimulate discussion and critical comment from a broad audience. The analysis, conclusions, and opinions set forth here are those of the authors alone and do not necessarily reflect the views of the FDIC.
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