21 Highlights
https://drive.google.com/file/d/1O2yCLRPuAvWgPu6sfNRZMKzovBcE7LPK/view?usp=drivesdk



The authors thank the Bill & Melinda Gates  Foundation for its support of
this research.  Thanks are also owed to the research assistants  at the
Center on Finance, Law & Policy, and especially to Avaskhan Assanaliyev.
The authors  are also grateful for the editorial assistance of  Tracey Van
Dusen and Christie Baer.

Authors

Michael S. Barr

[email protected]

Adrienne A. Harris

[email protected]

Megan Kelly

[email protected]

Emma Macfarlane

[email protected]

Bryan Ricketts

[email protected]

University of Michigan Center on Finance, Law & Policy  Weill Hall Suite
5211

735 S. State St.

Ann Arbor, MI 48109

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