First Author:   Ramkishen Rajan George Mason rrajan1@gmu.edu   3401 N. Fairfax Drive, MSN 3B1 Arlington, 22201, USA   1-703-993-3700(Phone) 1-703-993-3700(Fax) http://mason.gmu.edu/~rrajan1/ Second Author: Rabin Hattari World Bank rhattari@worldbank.org   1818 H Street, NW Washington, 20433, USA   1-703-993-3700(Phone)