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"+" : X<0 ? "-" : " " }function CreateXmlHttpObj1() {try {XmlHttpObj1 = new ActiveXObject("Msxml2.XMLHTTP");}catch(e) {try{XmlHttpObj1 = new ActiveXObject("Microsoft.XMLHTTP");}catch(oc) {XmlHttpObj1 = null;}}if(!XmlHttpObj1 && typeof XMLHttpRequest != "undefined") {XmlHttpObj1 = new XMLHttpRequest();}}function loadingTime() {//calculate the current time in afterloadvar afterload = (new Date()).getTime();//calculate the secondsclientTime = (afterload-beforeload)/1000;serverTime =  parseFloat(document.getElementById("serverTime").innerHTML);totalTime = (clientTime + serverTime).toFixed(3);document.getElementById("loadingtime").innerHTML = "and delivered in " + totalTime + " seconds";}function addLoadEvent(func) {var oldonload = window.onload;if (typeof window.onload != 'function') {window.onload = func;} else {window.onload = function() {if (oldonload) {oldonload();}func();}}}</script>    <title>SSRN JEL Code: D18</title>    <meta http-equiv="X-UA-Compatible" content="IE=edge">    <meta name="viewport" content="width=device-width, initial-scale=1">    <meta name="robots" content="noindex">        <meta name="description" content="SSRN JEL Code: D18">        <meta name="keywords" content="SSRN, JEL Code: D18">        <link rel="search"              type="application/opensearchdescription+xml"  href="https://papers.ssrn.com/sol3/opensearchdescription.xml"              title="SSRN" />    <script src="https://ajax.googleapis.com/ajax/libs/jquery/1.12.4/jquery.min.js"></script></head>    <body class="new-layout"><div id="genericToastr" class="generic-toastr"><div class="toastr-icon"><i id="toastrIcon"></i></div><div id="toastrMessage" class="toastr-mesage"></div><div class="toastr-close"><i class="icon icon-gizmo-delete" onclick="closeToastr()"></i></div><div class="toastr-link"><a id="toastrLink" href="#"></a></div></div>    <script language="javascript">//Language functionsfunction changeLanguage1(language, response){$.ajax({url: '/AltLanguage_ajax.cfm?type=changeLanguage&partid=1&strCode=en',cache: false,success: function(data) {// Update values in cookiesSet_Cookie('SITEID',language,'-1','/','.ssrn.com','');Set_Cookie('SITEID',language,'1000','/','.ssrn.com','');// Finally, perform redirectionif (response == 'reload') {window.location.reload();}else {window.location.href=response;}}});}function Set_Cookie( name, value, expires, path, domain, secure ) {// set time, its in millisecondsvar today = new Date();today.setTime( today.getTime() );/*if the expires variable is set, make the correctexpires time, the current script below will setit for x number of days, to make it for hours,delete * 24, for minutes, delete * 60 * 24*/if ( expires ) {expires = expires * 1000 * 60 * 60 * 24;}var expires_date = new Date( today.getTime() + (expires) );document.cookie = name + "=" +escape( value ) +( ( expires ) ? 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Results</div>    <span>JEL Code: D18</span></h1>            <div class="organization-header">
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Sunstein</a>                                    </div>                                    <div class="afiliations">                                    Harvard Law School                                    </div>                                                                                                                                                                                    <p><a class="btn-link versions-btn" tabindex="0" role="button" aria-label="Open tooltip with 2 versions of this paper" ><img src="https://static.ssrn.com/cfincludes/img/icons/icon-small-multipleversion.png" alt="Multiple version icon">There are <span>2</span> versions of this paper</a></p><div class="tooltip bottom-left versions-tooltip" role="tooltip" id="versions-tooltip"><i class="icon-gizmo-delete tooltip-close" aria-label="Close modal" title="Close modal" role="button" tabindex="0" onkeypress="return closeTooltip(event)"></i><div class="tooltip-arrow"></div><div 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class="description"><h3><a class="title optClickTitle" href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2711687" tabindex="0"><span>The Council of Psychological Advisers</span></a></h3><div class="reference">Annual Review of Psychology, Vol. 67, pp. 713-737, 2016</div><div class="note note-list"><span tabindex="0">Posted: 06 Jan 2016</span></div></div><div class="downloads"></div></div></div></div></div></div>                                    <div class="keywords">                                                                                                                                                    </div>                                                        </div>                                                                                    <div class="downloads">                                                                <span>Downloads</span>                                <span>  794</span>                               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href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=1291278">Restrictions on Credit: A Public Policy Analysis of Payday Lending</a>                                </span>                                </h3>                                                                                                                            <div class="note note-list">                                                                                <span>Number of pages: 47</span>                                                                                                                    <span>Posted: 29 Oct 2008</span>                                                                                                                    <span>Last Revised: 20 Jul 2012</span>                                                                        </div>                                                                                            <div class="afiliations">                                    Working Paper Series                                    </div>                                                                                                                                                                    <div class="authors-list">                                    <a href="https://papers.ssrn.com/sol3/cf_dev/AbsByAuth.cfm?per_id=1144678" target="_blank">Petru S Stoianovici</a> and <a href="https://papers.ssrn.com/sol3/cf_dev/AbsByAuth.cfm?per_id=141972" target="_blank">Michael T. Maloney</a>                                    </div>                                    <div class="afiliations">                                    Charles River Associates (CRA) and Clemson University - John E. Walker Department of Economics                                    </div>                                                                                                                                                                                                                        <div class="keywords">                                                                                                                                                    </div>                                                        </div>                                                                                    <div class="downloads">                                                                <span>Downloads</span>                                <span>  793</span>                                                        </div>                            </div>                                                                                                                                                                                                                                                                                                                            <div class="trow abs abs_2556998" id="div_2556998">                        <div class="actions">                            104.                                                                                                    <i class="icn icn-free"></i>                                                                                         </div>                            <div class="description">                                                                                                                        <h3>                                    <span><a                                            class="title optClickTitle" href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2556998">Reexamining Health Messages in the Digital Age: A Fresh Look at Source Credibility Effects</a>                                </span>                                </h3>                                                                                                                                <div><i>Journal of Advertising (2015), 44(2), 88–104</i>                                    </div>                                                                    <div class="note note-list">                                                                                <span>Number of pages: 49</span>                                                                                                                    <span>Posted: 31 Jan 2015</span>                                                                                                                    <span>Last Revised: 05 Aug 2015</span>                                                                        </div>                                                                                            <div class="afiliations">                                    Accepted Paper Series                                    </div>                                                                                                                                                                    <div class="authors-list">                                    <a href="https://papers.ssrn.com/sol3/cf_dev/AbsByAuth.cfm?per_id=1832825" target="_blank">Ioannis Kareklas</a>, <a href="https://papers.ssrn.com/sol3/cf_dev/AbsByAuth.cfm?per_id=2121073" target="_blank">Darrel Muehling</a> and <a href="https://papers.ssrn.com/sol3/cf_dev/AbsByAuth.cfm?per_id=2212170" target="_blank">T. Weber</a>                                    </div>                                    <div class="afiliations">                                    State University of New York at Albany, Washington State University - Department of Marketing and Washington State University - Department of Marketing                                    </div>                                                                                                                                                                                                                        <div class="keywords">                                                                                                                                                    </div>                                                        </div>                                                                                    <div class="downloads">                                                                <span>Downloads</span>                                <span>  783</span>                                                        </div>                            </div>                                                                                                                                                                                                                                                                                                                            <div class="trow abs abs_2577311" id="div_2577311">                        <div class="actions">                            105.                                                                                                    <i class="icn icn-free"></i>                                                                                         </div>                            <div class="description">                                                                                                                        <h3>                                    <span><a                                            class="title optClickTitle" href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2577311">Is Fraud Contagious? 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Hunt</a>                                    </div>                                    <div class="afiliations">                                    Consumer Finance Institute, Federal Reserve Bank of Philadelphia                                    </div>                                                                                                                                                                                                                        <div class="keywords">                                                                                                                                                    </div>                                                        </div>                                                                                    <div class="downloads">                                                                <span>Downloads</span>                                <span>  723</span>                                                        </div>                            </div>                                                                                                                                                                                                                                                                                                                                    <div class="trow abs abs_331861" id="div_331861">                        <div class="actions">                            109.                                                                                                    <i class="icn icn-free"></i>                                                                                         </div>                            <div class="description">                                                                                                                        <h3>                                    <span><a                                            class="title optClickTitle" href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=331861">Crowding Out Trust: The Adverse Effect of Verification: An Experiment</a>                                </span>                                </h3>                                                                                                                                <div><i>U of Oxford, Economics Discussion Paper No. 98</i>                                    </div>                                                                    <div class="note note-list">                                                                                <span>Number of pages: 21</span>                                                                                                                    <span>Posted: 06 Nov 2002</span>                                                                                                            </div>                                                                                            <div class="afiliations">                                    Working Paper Series                                    </div>                                                                                                                                                                    <div class="authors-list">                                    <a href="https://papers.ssrn.com/sol3/cf_dev/AbsByAuth.cfm?per_id=332685" target="_blank">Gerardo A. Guerra</a>                                    </div>                                    <div class="afiliations">                                    University of Oxford - Department of Economics                                    </div>                                                                                                                                                                                                                        <div class="keywords">                                                                                                                                                    </div>                                                        </div>                                                                                    <div class="downloads">                                                                <span>Downloads</span>                                <span>  718</span>                                                        </div>                            </div>                                                                                                                                                                                                                                                                <div class="trow abs abs_1268433" id="div_1268433">                        <div class="actions">                            110.                                                                                                    <i class="icn icn-free"></i>                                                                                         </div>                            <div class="description">                                                                                                                        <h3>                                    <span><a                                            class="title optClickTitle" href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=1268433">Parental Controls & Online Child Protection: A Survey of Tools & Methods</a>                                </span>                                </h3>                                                                                                                            <div class="note note-list">                                                                                <span>Number of pages: 253</span>                                                                                                                    <span>Posted: 17 Sep 2008</span>                                                                                                                    <span>Last Revised: 05 Dec 2012</span>                                                                        </div>                                                                                            <div class="afiliations">                                    Working Paper Series                                    </div>                                                                                                                                                                    <div class="authors-list">                                    <a href="https://papers.ssrn.com/sol3/cf_dev/AbsByAuth.cfm?per_id=610719" target="_blank">Adam D. Thierer</a>                                    </div>                                    <div class="afiliations">                                    George Mason University - Mercatus Center                                    </div>                                                                                                                                                                                                                        <div class="keywords">                                                                                                                                                    </div>                                                        </div>                                                                                    <div class="downloads">                                                                <span>Downloads</span>                                <span>  700</span>                                                        </div>                            </div>                                                                                                                                                                                                                                                                                                                                                                                                            <div class="trow abs abs_2125214" id="div_2125214">                        <div class="actions">                            111.                                                                                                    <i class="icn icn-free"></i>                                                                                         </div>                            <div class="description">                                                                                                                        <h3>                                    <span><a                                            class="title optClickTitle" href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2125214">Party Autonomy and Access to Justice in the UNCITRAL Online Dispute Resolution Project</a>                                </span>                                </h3>                                                                                                                                <div><i>Loyola University Chicago International Law Review, <i>Forthcoming</i>, U. of Pittsburgh Legal Studies Research Paper No. 2012-20</i>                                    </div>                                                                    <div class="note note-list">                                                                                <span>Number of pages: 31</span>                                                                                                                    <span>Posted: 09 Aug 2012</span>                                                                                                            </div>                                                                                            <div class="afiliations">                                    Accepted Paper Series                                    </div>                                                                                                                                                                    <div class="authors-list">                                    <a href="https://papers.ssrn.com/sol3/cf_dev/AbsByAuth.cfm?per_id=85896" target="_blank">Ronald A. Brand</a>                                    </div>                                    <div class="afiliations">                                    University of Pittsburgh - School of Law                                    </div>                                                                                                                                                                                                                        <div class="keywords">                                                                                                                                                    </div>                                                        </div>                                                                                    <div class="downloads">                                                                <span>Downloads</span>                                <span>  696</span>                                                        </div>                            </div>                                                                                                                                                                                                                                                                                                                                                                                    <div class="trow abs abs_1788921" id="div_1788921">                        <div class="actions">                            112.                                                                                                    <i class="icn icn-free"></i>                                                                                         </div>                            <div class="description">                                                                                                                        <h3>                                    <span><a                                            class="title optClickTitle" href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=1788921">Consumer Protection in an Era of Globalization</a>                                </span>                                </h3>                                                                                                                                <div><i>IMPORT SAFETY: REGULATORY GOVERNANCE IN THE GLOBAL ECONOMY, Cary Coglianese, Adam Finkel & David Zaring, eds., University of Pennsylvania Press, 2009, U of Penn, Inst for Law & Econ Research Paper No. 11-10</i>                                    </div>                                                                    <div class="note note-list">                                                                                <span>Number of pages: 20</span>                                                                                                                    <span>Posted: 25 Mar 2011</span>                                                                                                            </div>                                                                                            <div class="afiliations">                                    Accepted Paper Series                                    </div>                                                                                                                                                                    <div class="authors-list">                                    <a href="https://papers.ssrn.com/sol3/cf_dev/AbsByAuth.cfm?per_id=45817" target="_blank">Cary Coglianese</a>, <a href="https://papers.ssrn.com/sol3/cf_dev/AbsByAuth.cfm?per_id=778474" target="_blank">Adam M. Finkel</a> and <a href="https://papers.ssrn.com/sol3/cf_dev/AbsByAuth.cfm?per_id=39383" target="_blank">David T. Zaring</a>                                    </div>                                    <div class="afiliations">                                    University of Pennsylvania Law School, University of Michigan School of Public Health and University of Pennsylvania - Legal Studies Department                                    </div>                                                                                                                                                                                                                        <div class="keywords">                                                                                                                                                    </div>                                                        </div>                                                                                    <div class="downloads">                                                                <span>Downloads</span>                                <span>  690</span>                                                        </div>                            </div>                                                                                                                                                                                                                                                                                                    <div class="trow abs abs_2574062" id="div_2574062">                        <div class="actions">                            113.                                                                                                    <i class="icn icn-free"></i>                                                                                         </div>                            <div class="description">                                                                                                                        <h3>                                    <span><a                                            class="title optClickTitle" href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2574062">Where Do Norms Come From?</a>                                </span>                                </h3>                                                                                                                                <div><i>The New Rambler, Forthcoming</i>                                    </div>                                                                    <div class="note note-list">                                                                                <span>Number of pages: 7</span>                                                                                                                    <span>Posted: 06 Mar 2015</span>                                                                                                            </div>                                                                                            <div class="afiliations">                                    Accepted Paper Series                                    </div>                                                                                                                                                                    <div class="authors-list">                                    <a href="https://papers.ssrn.com/sol3/cf_dev/AbsByAuth.cfm?per_id=16333" target="_blank">Cass R. Sunstein</a>                                    </div>                                    <div class="afiliations">                                    Harvard Law School                                    </div>                                                                                                                                                                                                                        <div class="keywords">                                                                                                                                                    </div>                                                        </div>                                                                                    <div class="downloads">                                                                <span>Downloads</span>                                <span>  690</span>                                                        </div>                            </div>                                                                                                                                                                                                                                                                                                                            <div class="trow abs abs_2059154" id="div_2059154">                        <div class="actions">                            114.                                                                                                    <i class="icn icn-free"></i>                                                                                         </div>                            <div class="description">                                                                                                                        <h3>                                    <span><a                                            class="title optClickTitle" href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2059154">Unpacking Privacy's Price</a>                                </span>                                </h3>                                                                                                                                <div><i>Jan Whittington & Chris Jay Hoofnagle, Unpacking Privacy's Price, 90 North Carolina Law Review 1327 (2012)</i>                                    </div>                                                                    <div class="note note-list">                                                                                <span>Number of pages: 44</span>                                                                                                                    <span>Posted: 14 May 2012</span>                                                                                                                    <span>Last Revised: 13 Mar 2018</span>                                                                        </div>                                                                                            <div class="afiliations">                                    Accepted Paper Series                                    </div>                                                                                                                                                                    <div class="authors-list">                                    <a href="https://papers.ssrn.com/sol3/cf_dev/AbsByAuth.cfm?per_id=1843397" target="_blank">Jan Whittington</a> and <a href="https://papers.ssrn.com/sol3/cf_dev/AbsByAuth.cfm?per_id=364326" target="_blank">Chris Jay Hoofnagle</a>                                    </div>                                    <div class="afiliations">                                    University of Washington and University of California, Berkeley - School of Law                                    </div>                                                                                                                                                                                                                        <div class="keywords">                                                                                                                                                    </div>                                                        </div>                                                                                    <div class="downloads">                                                                <span>Downloads</span>                                <span>  687</span>                                                        </div>                            </div>                                                                                                                                                                                                                                                                                                                                                                                                                                                                                <div class="trow abs abs_2055889" id="div_2055889">                        <div class="actions">                            115.                                                                                                    <i class="icn icn-free"></i>                                                                                         </div>                            <div class="description">                                                                                                                        <h3>                                    <span><a                                            class="title optClickTitle" href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2055889">Predatory Lending and the Subprime Crisis</a>                                </span>                                </h3>                                                                                                                                <div><i>Journal of Financial Economics (JFE), Forthcoming, Fisher College of Business Working Paper No. 2012-03-008, Charles A. Dice Center Working Paper No. 2012-8</i>                                    </div>                                                                    <div class="note note-list">                                                                                <span>Number of pages: 56</span>                                                                                                                    <span>Posted: 10 May 2012</span>                                                                                                                    <span>Last Revised: 11 Feb 2014</span>                                                                        </div>                                                                                            <div class="afiliations">                                    Accepted Paper Series                                    </div>                                                                                                                                                                    <div class="authors-list">                                    <a href="https://papers.ssrn.com/sol3/cf_dev/AbsByAuth.cfm?per_id=352406" target="_blank">Sumit Agarwal</a>, <a href="https://papers.ssrn.com/sol3/cf_dev/AbsByAuth.cfm?per_id=333062" target="_blank">Itzhak Ben-David</a>, <a href="https://papers.ssrn.com/sol3/cf_dev/AbsByAuth.cfm?per_id=327203" target="_blank">Gene Amromin</a>, <a href="https://papers.ssrn.com/sol3/cf_dev/AbsByAuth.cfm?per_id=352435" target="_blank">Souphala Chomsisengphet</a> and <a href="https://papers.ssrn.com/sol3/cf_dev/AbsByAuth.cfm?per_id=232969" target="_blank">Douglas D. 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Dice Center Working Paper No. 2012-8</div><div class="note note-list"><span>Number of pages: 56</span><span tabindex="0">Posted: 10 May 2012</span><span>Last Revised: 11 Feb 2014</span></div></div><div class="downloads"><span>Downloads</span><span>  683</span></div></div><div class="trow"><div class="actions"><a title="Free paper" href="javascript:void(0);" role="button" class="tooltip-icon-a"><i class="icn icn-free" aria-hidden="true"></i></a></div><div class="description"><h3><a class="title optClickTitle" href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2342047" tabindex="0"><span>Predatory Lending and the Subprime Crisis</span></a></h3><div class="reference">NBER Working Paper No. w19550</div><div class="note note-list"><span>Number of pages: 56</span><span tabindex="0">Posted: 18 Oct 2013</span></div></div><div class="downloads"><span>Downloads</span><span>   35</span></div></div></div></div></div></div>                                    <div class="keywords">                                                                                                                                                    </div>                                                        </div>                                                                                    <div class="downloads">                                                                <span>Downloads</span>                                <span>  683</span>                                                        </div>                            </div>                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            <div class="trow abs abs_2199678" id="div_2199678">                        <div class="actions">                            116.                                                                                                    <i class="icn icn-free"></i>                                                                                         </div>                            <div class="description">                                                                                                                        <h3>                                    <span><a                                            class="title optClickTitle" href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2199678">The Consumer Financial Protection Bureau: An Introduction</a>                                </span>                                </h3>                                                                                                                                <div><i>Georgetown Law and Economics Research Paper Forthcoming, Review of Banking and Financial Law, Vol. 32, pp. 321-369, 2013, Georgetown Public Law Research Paper No. 13-006</i>                                    </div>                                                                    <div class="note note-list">                                                                                <span>Number of pages: 49</span>                                                                                                                    <span>Posted: 12 Jan 2013</span>                                                                                                                    <span>Last Revised: 06 Aug 2013</span>                                                                        </div>                                                                                            <div class="afiliations">                                    Accepted Paper Series                                    </div>                                                                                                                                                                    <div class="authors-list">                                    <a href="https://papers.ssrn.com/sol3/cf_dev/AbsByAuth.cfm?per_id=450592" target="_blank">Adam J. 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<div><i>Georgia State University Law Review, Vol. 26, No. 4, p. 1147, 2010, Georgia State University College of Law, Legal Studies Research Paper No. 2012-09</i>                                    </div>                                                                    <div class="note note-list">                                                                                <span>Number of pages: 64</span>                                                                                                                    <span>Posted: 13 Mar 2012</span>                                                                                                                    <span>Last Revised: 16 Mar 2012</span>                                                                        </div>                                                                                            <div class="afiliations">                                    Accepted Paper Series                  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Counseling: How to Dissuade Borrowers from Choosing Risky Mortgages?</a>                                </span>                                </h3>                                                                                                                                <div><i>American Economic Journal: Economic Policy, Forthcoming, Fisher College of Business Working Paper No. 2008-03-020, Charles A. Dice Center Working Paper No. 2008-20, Paolo Baffi Centre Research Paper No. 2009-51, Networks Financial Institute Working Paper 2011-WP-12, FRB of Chicago Working Paper No. 2009-7, FDIC Center for Financial Research Working Paper No. 2009-04</i>                                    </div>                                                                    <div class="note note-list">                                                                                <span>Number of pages: 57</span>                                                                                                                    <span>Posted: 20 Oct 2008</span>                                                                                                                    <span>Last Revised: 19 Apr 2019</span>                                                                        </div>                                                                                            <div class="afiliations">                                    Accepted Paper Series                                    </div>                                                                                                                                                                    <div class="authors-list">                                    <a href="https://papers.ssrn.com/sol3/cf_dev/AbsByAuth.cfm?per_id=352406" target="_blank">Sumit Agarwal</a>, <a href="https://papers.ssrn.com/sol3/cf_dev/AbsByAuth.cfm?per_id=327203" target="_blank">Gene Amromin</a>, <a href="https://papers.ssrn.com/sol3/cf_dev/AbsByAuth.cfm?per_id=333062" target="_blank">Itzhak Ben-David</a>, <a href="https://papers.ssrn.com/sol3/cf_dev/AbsByAuth.cfm?per_id=352435" target="_blank">Souphala Chomsisengphet</a> and <a href="https://papers.ssrn.com/sol3/cf_dev/AbsByAuth.cfm?per_id=232969" target="_blank">Douglas D. 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Epstein</a>, <a href="https://papers.ssrn.com/sol3/cf_dev/AbsByAuth.cfm?per_id=231064" target="_blank">F. Scott Kieff</a> and <a href="https://papers.ssrn.com/sol3/cf_dev/AbsByAuth.cfm?per_id=31293" target="_blank">Daniel F. Spulber</a>                                    </div>                                    <div class="afiliations">                                    New York University School of Law, George Washington University - Law School and <a href="https://papers.ssrn.com/Organizations/Homepage.cfm?orgid=284328" title="View Organization's SSRN Page">Northwestern University - Kellogg School of Management</a>                                    </div>                                                                                                                                                                                                                        <div class="keywords">                                                                                                                                                    </div>                                                        </div>                                                                                    <div class="downloads">                                                                <span>Downloads</span>                                <span>  557</span>                                                        </div>                            </div>                                                                                                                                                                                                                                                                <div class="trow abs abs_949349" id="div_949349">                        <div class="actions">                            138.                                                                                                    <i class="icn icn-free"></i>                                                                                         </div>                            <div class="description">                                                                                                                        <h3>                                    <span><a                                            class="title optClickTitle" href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=949349">Strategic Price Complexity in Retail Financial Markets</a>                                </span>                                </h3>                                                                                                                            <div class="note note-list">                                                                                <span>Number of pages: 42</span>                                                                                                                    <span>Posted: 07 Dec 2006</span>                                                                                                            </div>                                                                                            <div class="afiliations">                                    Working Paper Series                                    </div>                                                                                                                                                                    <div class="authors-list">                                    <a href="https://papers.ssrn.com/sol3/cf_dev/AbsByAuth.cfm?per_id=506052" target="_blank">Bruce I. Carlin</a>                                    </div>                                    <div class="afiliations">                                    University of California, Los Angeles (UCLA) - Anderson School of Management                                    </div>                                                                                                                                                                                                                        <div class="keywords">                                                                                                                                                    </div>                                                        </div>                                                                                    <div class="downloads">                                                                <span>Downloads</span>                                <span>  550</span>             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                                                                                                    <span>Last Revised: 21 Apr 2008</span>                                                                        </div>                                                                                            <div class="afiliations">                                    Accepted Paper Series                                    </div>                                                                                                                                                                    <div class="authors-list">                                    <a href="https://papers.ssrn.com/sol3/cf_dev/AbsByAuth.cfm?per_id=600329" target="_blank">Jim Hawkins</a>                                    </div>                                    <div class="afiliations">                                    University of Houston Law Center                                    </div>     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Evidence from a Field Experiment with Student Loan Borrowers</a>                                </span>                                </h3>                                                                                                                                <div><i>NYU Wagner Research Paper</i>                                    </div>                                                                    <div class="note note-list">                                                                                <span>Number of pages: 63</span>                                                                                                                    <span>Posted: 05 Mar 2018</span>                                                                                                                    <span>Last Revised: 05 Feb 2019</span>                                                                        </div>                                                                                            <div class="afiliations">                                    Working Paper Series                                    </div>                                                                                                                                                                    <div class="authors-list">                                    <a href="https://papers.ssrn.com/sol3/cf_dev/AbsByAuth.cfm?per_id=2919219" target="_blank">Tatiana Homonoff</a>, <a href="https://papers.ssrn.com/sol3/cf_dev/AbsByAuth.cfm?per_id=2867221" target="_blank">Rourke L. OBrien</a> and <a href="https://papers.ssrn.com/sol3/cf_dev/AbsByAuth.cfm?per_id=1248789" target="_blank">Abigail B. Sussman</a>                                    </div>                                    <div class="afiliations">                                    New York University (NYU) - Robert F. 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Robins</a>                                </span>                                </h3>                                                                                                                                <div><i>UC Berkeley Public Law Research Paper No. 2656482, Minnesota Legal Studies Research Paper No. 15-27, Fordham Law Legal Studies Research Paper No. 2656482, Loyola Law School, Los Angeles Legal Studies Research Paper No. 2015-32, U. of Pittsburgh Legal Studies Research Paper No. 2015-32</i>                                    </div>                                                                    <div class="note note-list">                                                                                <span>Number of pages: 46</span>                                                                                                                    <span>Posted: 06 Sep 2015</span>                                                                                                                    <span>Last Revised: 12 Sep 2015</span>                                                                        </div>                                                                                            <div class="afiliations">                                    Working Paper Series                                    </div>                                                                                                                                                                    <div class="authors-list">                                    <a href="https://papers.ssrn.com/sol3/cf_dev/AbsByAuth.cfm?per_id=17991" target="_blank">Julie E. 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                                                              <span>Posted: 11 May 2004</span>                                                                                                            </div>                                                                                            <div class="afiliations">                                    Accepted Paper Series                                    </div>                                                                                                                                                                    <div class="authors-list">                                    <a href="https://papers.ssrn.com/sol3/cf_dev/AbsByAuth.cfm?per_id=360079" target="_blank">Viswanatha Sankara Rama Subramaniam</a>                                    </div>                                    <div class="afiliations">                                    Intellectual Consultants                                    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<span>Last Revised: 03 Jun 2014</span>                                                                        </div>                                                                                            <div class="afiliations">                                    Accepted Paper Series                                    </div>                                                                                                                                                                    <div class="authors-list">                                    <a href="https://papers.ssrn.com/sol3/cf_dev/AbsByAuth.cfm?per_id=635986" target="_blank">Tess Wilkinson‐Ryan</a>                                    </div>                                    <div class="afiliations">                                    University of Pennsylvania Carey Law School                                    </div>                                                                                     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