Gene Amromin

Federal Reserve Bank of Chicago

230 South LaSalle Street

230 S. LaSalle

Chicago, IL 60604

United States

SCHOLARLY PAPERS

34

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19,184

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Top 1,716

in Total Papers Citations

391

CROSSREF CITATIONS

363

Scholarly Papers (34)

The Tradeoff Between Mortgage Prepayments and Tax-Deferred Retirement Savings

Number of pages: 43 Posted: 18 Mar 2006
Jennifer C. Huang, Gene Amromin and Clemens Sialm
University of Texas at Austin - Department of Finance, Federal Reserve Bank of Chicago and University of Texas at Austin - McCombs School of Business
Downloads 4,780 (2,225)

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Retirement Savings, Mortgage Financing, Tax Arbitrage, Savings Decisions

The Tradeoff between Mortgage Prepayments and Tax-Deferred Retirement Savings

NBER Working Paper No. w12502
Number of pages: 52 Posted: 14 Sep 2006 Last Revised: 30 Aug 2021
Jennifer C. Huang, Gene Amromin and Clemens Sialm
University of Texas at Austin - Department of Finance, Federal Reserve Bank of Chicago and University of Texas at Austin - McCombs School of Business
Downloads 75 (395,932)
Citation 8

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Policy Intervention in Debt Renegotiation: Evidence from the Home Affordable Modification Program

Journal of Political Economy, Forthcoming, Fisher College of Business Working Paper No. 2012-03-020, Charles A. Dice Center Working Paper No. 2012-20
Number of pages: 63 Posted: 29 Aug 2012 Last Revised: 21 Jul 2016
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, Office of the Comptroller of the Currency (OCC), Columbia Business School - Finance and Economics and Stanford University
Downloads 2,100 (8,887)
Citation 6

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Government intervention, Debt renegotiation, Mortgage modification, Foreclosures, Housing crisis, HAMP, Servicers

Policy Intervention in Debt Renegotiation: Evidence from the Home Affordable Modification Program

FRB of Chicago Working Paper No. 2013-27, Kreisman Working Papers Series in Housing Law and Policy No. 7
Number of pages: 69 Posted: 28 Jan 2014
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, Office of the Comptroller of the Currency (OCC), Columbia Business School - Finance and Economics and Stanford University
Downloads 112 (306,054)
Citation 3

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Government intervention, Debt renegotiation, Mortgage modification, Foreclosures, Housing crisis, HAMP, Servicers

Policy Intervention in Debt Renegotiation: Evidence from the Home Affordable Modification Program

NBER Working Paper No. w18311
Number of pages: 63 Posted: 30 Aug 2012 Last Revised: 05 Sep 2012
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, Office of the Comptroller of the Currency (OCC), Columbia Business School - Finance and Economics and Stanford University
Downloads 20 (662,233)
Citation 53

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3.

Financial Literacy and Financial Planning: Evidence from India

Number of pages: 45 Posted: 20 Dec 2010
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 1,695 (12,812)
Citation 9

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Financial Literacy, Financial Education, Checking Account, Savings, Nudge, Saving Account, Insurance, Personal Finance, Gender, Age, Education, Household Finance, Consumer Behavior, Consumption, India, Financial Counseling, Numeracy, Inflation, Risk, Diversification, Risk Tolerance, Investment Prefe

4.

Financial Counseling, Financial Literacy, and Household Decision Making

Pension Research Council WP 2010-34
Number of pages: 44 Posted: 24 Jun 2010 Last Revised: 17 Nov 2010
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 972 (29,556)
Citation 6

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Financial literacy, Household finance, Financial Literacy, Consumer Behavior

5.

Debit Card and Cash Usage: A Cross-Country Analysis

FRB of Chicago Working Paper No. 2007-04
Number of pages: 53 Posted: 20 Apr 2007
Federal Reserve Bank of Chicago and IndependentChakra Advisors
Downloads 960 (30,089)
Citation 17

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payment networks, money demand, technological infrastructure

Mortgage Refinancing, Consumer Spending, and Competition: Evidence from the Home Affordable Refinance Program

Columbia Business School Research Paper No. 15-85, Kreisman Working Papers Series in Housing Law and Policy No. 27
Number of pages: 77 Posted: 21 Sep 2015 Last Revised: 24 Apr 2020
National University of Singapore, Federal Reserve Bank of Chicago, Office of the Comptroller of the Currency (OCC), University of Pennsylvania - The Wharton School, Columbia Business School - Finance and Economics, Stanford University and Georgia State University - J. Mack Robinson College of Business
Downloads 859 (34,641)
Citation 5

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Financial Crisis, HARP, Debt, Refinancing, Consumption, Spending, Household Finance, Mortgages, Policy Intervention

Mortgage Refinancing, Consumer Spending, and Competition: Evidence from the Home Affordable Refinancing Program

NBER Working Paper No. w21512
Number of pages: 78 Posted: 31 Aug 2015 Last Revised: 13 Oct 2021
National University of Singapore, Federal Reserve Bank of Chicago, Office of the Comptroller of the Currency (OCC), Columbia Business School - Finance and Economics, Stanford University and Georgia State University - J. Mack Robinson College of Business
Downloads 24 (631,936)
Citation 3

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7.
Downloads 755 ( 41,934)
Citation 19

Complex Mortgages

FRB of Chicago Working Paper No. WP-2010-17
Posted: 15 Jul 2021
Federal Reserve Bank of Chicago, affiliation not provided to SSRN, University of Texas at Austin - McCombs School of Business and affiliation not provided to SSRN

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Complex Mortgages

AFA 2012 Chicago Meetings Paper
Number of pages: 48 Posted: 25 Nov 2010 Last Revised: 16 Feb 2018
Federal Reserve Bank of Chicago, University of Texas at Austin - Department of Finance, University of Texas at Austin - McCombs School of Business and University of Wisconsin-Madison
Downloads 612 (54,791)
Citation 14

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Mortgage Contract Choice, Mortgage Default, Financial Crisis

Complex Mortgages

FRB of Chicago Working Paper No. 2010-17
Number of pages: 47 Posted: 03 Dec 2010 Last Revised: 20 Dec 2013
Federal Reserve Bank of Chicago, University of Texas at Austin - Department of Finance, University of Texas at Austin - McCombs School of Business and University of Wisconsin-Madison
Downloads 123 (286,055)
Citation 3

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Mortgage Choice, Housing Crisis, Financial Innovation

Complex Mortgages

NBER Working Paper No. w17315
Number of pages: 54 Posted: 29 Aug 2011 Last Revised: 25 Apr 2021
Federal Reserve Bank of Chicago, University of Texas at Austin - Department of Finance, University of Texas at Austin - McCombs School of Business and University of Wisconsin-Madison
Downloads 20 (662,233)

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8.
Downloads 733 ( 43,696)
Citation 39

Predatory Lending and the Subprime Crisis

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
Number of pages: 56 Posted: 10 May 2012 Last Revised: 11 Feb 2014
National University of Singapore, Ohio State University (OSU) - Department of Finance, Federal Reserve Bank of Chicago, Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 697 (46,098)
Citation 1

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Predatory lending, subprime crisis, household finance, default

Predatory Lending and the Subprime Crisis

NBER Working Paper No. w19550
Number of pages: 56 Posted: 18 Oct 2013 Last Revised: 03 Jun 2021
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 36 (555,110)
Citation 6

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9.

The Role of Securitization in Mortgage Renegotiation

Fisher College of Business Working Paper No. 2011-03-002, Charles A. Dice Center Working Paper No. 2011-2, FRB of Chicago Working Paper No. 2011-02
Number of pages: 48 Posted: 17 Jan 2011 Last Revised: 14 Mar 2011
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 726 (44,244)
Citation 35

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Financial Crisis, Loss Mitigation, Mortgage Crisis, Securitization, Lenders, Servicers, Liquidation, Modification, Repayment, Refinance, Default, Delinquency, Borrower, Interest Rates, Household Finance, Credit, Housing, FICO Score, Leverage, LTV, Loan Modiccation, Mortgage, GSE, HAMP, Loan Term

How Did the 2003 Dividend Tax Cut Affect Stock Prices and Corporate Payout Policy?

FEDS Working Paper No. 2005-57
Posted: 06 Jul 2021 Last Revised: 03 Jul 2021
Federal Reserve Bank of Chicago, Federal Reserve Board - Division of Research & Statistics, Brookings Institution and affiliation not provided to SSRN

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How Did the 2003 Dividend Tax Cut Affect Stock Prices and Corporate Payout Policy?

FEDs Working Paper No. 2005-57
Number of pages: 28 Posted: 05 Jan 2006
Federal Reserve Bank of Chicago, Federal Reserve Board - Division of Research & Statistics, Brookings Institution and Board of Governors of the Federal Reserve System
Downloads 644 (51,210)
Citation 9

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Dividends, capital taxation, share repurchases, executive compensation

11.

Financial Education versus Costly Counseling: How to Dissuade Borrowers from Choosing Risky Mortgages?

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
Number of pages: 57 Posted: 20 Oct 2008 Last Revised: 19 Apr 2019
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 569 (60,702)
Citation 1

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Financial counseling, subprime crisis, predatory lending, household finance

12.

Portfolio Allocation Choices in Taxable and Tax-Deferred Accounts: An Empirical Analysis of Tax-Efficiency

Number of pages: 51 Posted: 26 Jun 2002
Gene Amromin
Federal Reserve Bank of Chicago
Downloads 486 (73,868)
Citation 12

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Expectations of Risk and Return Among Household Investors: Are Their Sharpe Ratios Countercyclical?

FEDS Working Paper No. 2008-17
Posted: 06 Jul 2021 Last Revised: 03 Jul 2021
Gene Amromin and Steven A. Sharpe
Federal Reserve Bank of Chicago and affiliation not provided to SSRN

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Expectations of Risk and Return Among Household Investors: Are Their Sharpe Ratios Countercyclical?

Number of pages: 43 Posted: 15 Jan 2009 Last Revised: 10 May 2009
Gene Amromin and Steven A. Sharpe
Federal Reserve Bank of Chicago and Board of Governors of the Federal Reserve System
Downloads 452 (79,877)
Citation 22

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Equity premium, investor survey, investor expectations, time-varying expected returns

14.

Market-Based Loss Mitigation Practices for Troubled Mortgages Following the Financial Crisis

Charles A. Dice Center Working Paper No. 2010-19, Fisher College of Business Working Paper No. 2010-03-019, FRB of Chicago Working Paper No. 2011-03
Number of pages: 46 Posted: 13 Oct 2010 Last Revised: 16 Mar 2011
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 440 (83,220)
Citation 29

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Financial Crisis, Loss Mitigation, Mortgage Crisis, Lenders, Servicers, Liquidation, Modification, Repayment, Refinance, Default, Delinquency, Borrower, Interest Rates, Household Finance, Credit, Housing, FICO Score, Leverage, LTV, Loan Modification, Mortgage, GSE, HAMP, Loan Term, Loan Balance

15.

The Politics of Foreclosures

Journal of Finance, Forthcoming, Georgetown McDonough School of Business Research Paper No. 3054046, Fisher College of Business Working Paper No. 2017-03-021, Charles A. Dice Working Paper No. 2017-21
Number of pages: 111 Posted: 17 Oct 2017 Last Revised: 06 Jan 2018
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance and Rutgers University
Downloads 382 (98,394)
Citation 5

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Political Economy, Real Estate Lending, Household Finance, Financial Crisis, Lobbying

16.
Downloads 316 (121,138)
Citation 6

How Did the 2003 Dividend Tax Cut Affect Stock Prices?

FRB of Chicago Working Paper No. WP-06-17
Posted: 06 Jul 2021
Gene Amromin, Paul Harrison and Steven A. Sharpe
Federal Reserve Bank of Chicago, Federal Reserve Board - Division of Research & Statistics and affiliation not provided to SSRN

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How Did the 2003 Dividend Tax Cut Affect Stock Prices?

FEDS Working Paper No. 2005-61
Posted: 06 Jul 2021 Last Revised: 03 Jul 2021
Gene Amromin, Paul Harrison and Steven A. Sharpe
Federal Reserve Bank of Chicago, Federal Reserve Board - Division of Research & Statistics and affiliation not provided to SSRN

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How Did the 2003 Dividend Tax Cut Affect Stock Prices?

Finance and Economics Discussion Paper No. 2005-61
Number of pages: 33 Posted: 09 Jan 2006
Gene Amromin, Paul Harrison and Steven A. Sharpe
Federal Reserve Bank of Chicago, Federal Reserve Board - Division of Research & Statistics and Board of Governors of the Federal Reserve System
Downloads 165 (225,832)
Citation 3

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Dividends, capital taxation

How Did the 2003 Dividend Tax Cut Affect Stock Prices?

FRB of Chicago Working Paper No. 2006-17
Number of pages: 41 Posted: 11 Dec 2006
Gene Amromin, Steven A. Sharpe and Paul Harrison
Federal Reserve Bank of Chicago, Board of Governors of the Federal Reserve System and Barclays Global Investors (BGI)
Downloads 151 (243,499)
Citation 4

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dividends, capital taxation

17.

Comparing Patterns of Default Among Prime and Subprime Mortgages

Economic Perspectives, Vol. 33, No. 2, 2009
Number of pages: 20 Posted: 21 May 2009 Last Revised: 29 Jun 2009
Gene Amromin and Anna L. Paulson
Federal Reserve Bank of Chicago and Federal Reserve Bank of Chicago
Downloads 305 (125,687)
Citation 1

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mortgages, delinquency, prime, subprime, home prices, financial crisis, Housing Demand, Financial Crises

18.

Learning to Cope: Voluntary Financial Education Programs and Loan Performance During a Housing Crisis

Charles A. Dice Center Working Paper No. 2009-23 , AFA 2010 Atlanta Meetings Paper
Number of pages: 15 Posted: 29 Dec 2009 Last Revised: 09 May 2015
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 301 (127,496)
Citation 7

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Financial education, Mortgage crisis, Counseling, Mortgage default, Financial literacy, Subprime crisis, Household finance, default, homeowner, loan, debt, household finance, leverage, financial literacy, delinquency, debt literacy, financial planning

Holdup by Junior Claimholders: Evidence from the Mortgage Market

Journal of Financial and Quantitative Analysis (JFQA), Forthcoming, Charles A. Dice Center Working Paper No. 2014-02, Fisher College of Business Working Paper No. 2014-03-02
Number of pages: 47 Posted: 15 Mar 2012 Last Revised: 02 Nov 2017
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, Office of the Comptroller of the Currency (OCC) and Government of the United States of America - Office of the Comptroller of the Currency (OCC)
Downloads 258 (149,475)
Citation 9

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Subprime Crisis, Household Finance, Second Liens, Mortgages, Holdup Problem

Holdup by Junior Claimholders: Evidence from the Mortgage Market

NBER Working Paper No. w20015
Number of pages: 47 Posted: 31 Mar 2014 Last Revised: 10 Sep 2021
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, Office of the Comptroller of the Currency (OCC) and Government of the United States of America - Office of the Comptroller of the Currency (OCC)
Downloads 21 (654,600)

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From the Horse's Mouth: How Do Investor Expectations of Risk and Return Vary with Economic Conditions?

FRB of Chicago Working Paper No. WP-2012-08
Posted: 09 Jul 2021
Gene Amromin and Steven A. Sharpe
Federal Reserve Bank of Chicago and affiliation not provided to SSRN

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From the Horse's Mouth: How Do Investor Expectations of Risk and Return Vary with Economic Conditions?

FRB of Chicago Working Paper No. 2012-08
Number of pages: 40 Posted: 02 Dec 2012
Gene Amromin and Steven A. Sharpe
Federal Reserve Bank of Chicago and Board of Governors of the Federal Reserve System
Downloads 232 (165,332)
Citation 62

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expected returns, household investors, economic conditions

21.

From the Horse's Mouth: Gauging Conditional Expected Stock Returns from Investor Survey

AFA 2006 Boston Meetings Paper
Number of pages: 47 Posted: 25 Mar 2005
Gene Amromin and Steven A. Sharpe
Federal Reserve Bank of Chicago and Board of Governors of the Federal Reserve System
Downloads 223 (172,206)
Citation 6

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expected returns, investor surveys

Homebuilders, Affiliated Financing Arms and the Mortgage Crisis

Number of pages: 17 Posted: 31 Oct 2011
National University of Singapore, Federal Reserve Bank of Chicago, Wharton School, University of Penn, Federal Reserve Bank of Chicago and University of Texas at Arlington - Department of Finance and Real Estate
Downloads 82 (375,611)
Citation 3

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Homebuilders, Financial Crisis, Finance Arms of Homebuilders, Household Finance

Homebuilders, Affiliated Financing Arms, and the Mortgage Crisis

Economic Perspectives, Vol. 38, No. 2, 2014
Number of pages: 14 Posted: 04 Jun 2014
National University of Singapore, Federal Reserve Bank of Chicago, Wharton School, University of Penn, Federal Reserve Bank of Chicago and University of Texas at Arlington - Department of Finance and Real Estate
Downloads 66 (425,222)

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Homebuilders, Financial Crisis, Finance Arms of Homebuilders, Household Finance, Portfolio Choice, Investment Decisions, Banks, Depository Institutions, Micro Finance Institutions, Mortgages

23.

Transforming Payment Choices By Doubling Fees on the Illinois Tollway

Economic Perspectives, Vol. XXXI, No. 2, Second Quarter 2007, FRB of Chicago Working Paper No. 2006-16
Number of pages: 26 Posted: 06 Dec 2006
Federal Reserve Bank of Chicago, Federal Reserve Bank of Chicago and Federal Reserve Bank of Chicago
Downloads 133 (268,613)
Citation 2

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payment choice, social network externalities, response to large relative price changes

24.

Precautionary Savings Motives and Tax Efficiency of Household Portfolios: An Empirical Analysis

Number of pages: 36 Posted: 28 Jan 2005
Gene Amromin
Federal Reserve Bank of Chicago
Downloads 110 (308,259)
Citation 6

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Tax efficiency, precautionary motives, portfolio choice, tax-deferred retirement savings

25.

Access to Refinancing and Mortgage Interest Rates: HARPing on the Importance of Competition

FRB of Chicago Working Paper No. 2014-25
Number of pages: 41 Posted: 19 Dec 2014
Gene Amromin and Caitlin Kearns
Federal Reserve Bank of Chicago and University of California, Berkeley
Downloads 96 (337,480)
Citation 9

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mortgage crisis, market competition, pricing power, HARP

26.

From the Horse's Mouth: Gauging Conditional Expected Stock Returns from Investor Surveys

Number of pages: 47 Posted: 26 Feb 2005
Gene Amromin and Steven A. Sharpe
Federal Reserve Bank of Chicago and Board of Governors of the Federal Reserve System
Downloads 84 (366,702)
Citation 3

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27.

The Effectiveness of Mandatory Mortgage Counseling: Can One Dissuade Borrowers from Choosing Risky Mortgages?

NBER Working Paper No. w19920
Number of pages: 37 Posted: 24 Feb 2014 Last Revised: 26 Feb 2014
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 53 (466,399)

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28.

Economic Perspectives Special Issue on Payments Fraud: An Introduction

Economic Perspectives, Vol. XXXIII, No. 1, 2009
Number of pages: 5 Posted: 11 Feb 2009
Gene Amromin and Richard D. Porter
Federal Reserve Bank of Chicago and Federal Reserve Bank of Chicago
Downloads 51 (474,417)

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29.
Downloads 33 (558,658)
Citation 5

Refinancing, Monetary Policy, and the Credit Cycle

Annual Review of Financial Economics, Vol. 12, pp. 67-93, 2020
Posted: 10 Dec 2020
Gene Amromin, Neil Bhutta and Benjamin J. Keys
Federal Reserve Bank of Chicago, Board of Governors of the Federal Reserve System and The Wharton School - University of Pennsylvania, Real Estate Department

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Refinancing, Monetary Policy, and the Credit Cycle

NBER Working Paper No. w28039
Number of pages: 35 Posted: 02 Nov 2020 Last Revised: 13 Aug 2021
Gene Amromin, Neil Bhutta and Benjamin J. Keys
Federal Reserve Bank of Chicago, Board of Governors of the Federal Reserve System and The Wharton School - University of Pennsylvania, Real Estate Department
Downloads 33 (572,334)
Citation 2

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30.

Loan Product Steering in Mortgage Markets

NBER Working Paper No. w22696
Number of pages: 46 Posted: 03 Oct 2016 Last Revised: 08 Jul 2021
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance and Federal Reserve Bank of Chicago
Downloads 30 (575,363)
Citation 2

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Household Inequality and the Consumption Response to Aggregate Real Shocks

NBER Working Paper No. w24073
Number of pages: 28 Posted: 06 Dec 2017 Last Revised: 11 Oct 2021
Federal Reserve Bank of Chicago, Federal Reserve Bank of ChicagoUniversity College London, Economics Dpt. and Federal Reserve Bank of Chicago
Downloads 6 (778,918)

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Household Inequality and the Consumption Response to Aggregate Real Shocks

CEPR Discussion Paper No. DP12459
Number of pages: 30 Posted: 01 Dec 2017
Federal Reserve Bank of Chicago, Federal Reserve Bank of ChicagoUniversity College London, Economics Dpt. and Federal Reserve Bank of Chicago
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32.

The Tradeoff between Mortgage Prepayments and Tax-Deferred Retirement Savings

FRB of Chicago Working Paper No. WP-06-05
Posted: 15 Jul 2021
Gene Amromin, Jennifer Huang and Clemens Sialm
Federal Reserve Bank of Chicago, affiliation not provided to SSRN and University of Texas at Austin - McCombs School of Business

Abstract:

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33.

From the Horse'S Mouth: Gauging Conditional Expected Stock Returns from Investor Surveys

FEDS Working Paper No. 2005-26
Posted: 06 Jul 2021 Last Revised: 03 Jul 2021
Gene Amromin and Steven A. Sharpe
Federal Reserve Bank of Chicago and affiliation not provided to SSRN

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34.

Education Financing and Student Lending

Annual Review of Financial Economics, Vol. 8, pp. 289-315, 2016
Posted: 18 Nov 2016
Gene Amromin and Janice C. Eberly
Federal Reserve Bank of Chicago and Northwestern University - Kellogg School of Management

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