Ruy M. Ribeiro Finance Department The Wharton School University of Pennsylvania	Teaching Research
2300 Steinberg Hall - Dietrich Hall Philadelphia, PA 19104-6367 phone: 215-746-0498 fax: 215-898-6200 email: rribeiro@wharton.upenn.edu web: http://finance.wharton.upenn.edu/~rribeiro

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