First Author:   John P. Conley Vanderbilt University j.p.conley@vanderbilt.edu   Vanderbilt University, Vanderbilt University Nashville, 37235, USA   615-322-2920(Phone) 615-322-2920(Fax) http://www.vanderbilt.edu/econ/jpconley/ Second Author: Robert Driskill Vanderbilt University robert.driskill@vanderbilt.edu         Third Author: Ping Wang Washington University wangp6@gmail.com         http://pingwang.wustl.edu/