This paper empirically and theoretically analyzes the effect of debt reductions that reduce long-term but not short-term obligations. Isolating the effect of future…
UCC08-13: In this paper, we review a wide variety of programs that are used to support savings by families, in particular by low- and moderate-income families. These…
W01-2: Production home building companies infrequently invest in primary consumer market research. In the unusual instances when home builders do conduct consumer…