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:

Stephen B. Billings
  University of North Carolina-Charlotte   stephen.billings@uncc.edu

Thomas G. Thibodeau
  University of Colorado at Boulder - Leeds School of Business   tom.thibodeau@colorado.edu