E-mail address request

To enhance author privacy, SSRN uses software to prevent mechanical harvesting
of email addresses. Anonymous users are allowed 3 email address requests each day.
Here are the email address(es) you requested:

David Ardia
  Laval University - Département de Finance et Assurance   david.ardia@fsa.ulaval.ca
  Centre interuniversitaire sur le risque, les politiques économiques et l'emploi (CIRPÉE)   david.ardia@fsa.ulaval.ca

Juan David Ospina
  National University of Colombia   jdospina@gmail.com

Norman Diego Giraldo Gomez
  National University of Colombia   ndgirald@unal.edu.co