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High‐Cost Credit and Consumption Smoothing. This paper had been previously circulated as “For Better and for even worse? Ramifications of Use Of High‐Cost Credit Rating.” We thank the editor, Robert DeYoung, an referee that is anonymous Todd Gormley, Mark Jenkins, Paul Landefeld, Donald Morgan, Nick Roussanov, Luke Taylor, and Jeremy Tobacman for helpful reviews, in addition to seminar participants during…read more →
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