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Michael Hoy
Guelph University
 
Department of Economics and Finance
University of Guelph
Guelph, ON N1H 4X9
Canada
 
mhoy@uoguelph.ca
 
http://www.uoguelph.ca/~mhoy/
 
 
 
 
 
JEL Areas:
G2 : Financial Institutions and Services: General
D : Microeconomics