Florian Verheyen Department of Economics, University of Duisburg-Essen   florian.verheyen@uni-due.de Essen, 45117 Germany   florian.verheyen@uni-due.de   http://www.makro.wiwi.uni-due.de/team/florian-verheyen/           JEL Areas: E4 : Money and Interest Rates: General E5 : Monetary Policy, Central Banking, and the Supply of Money and Credit: General