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style='border-collapse:collapse;border:none;mso-yfti-tbllook:1184;mso-padding-alt: 0in 5.4pt 0in 5.4pt;mso-border-insideh:none;mso-border-insidev:none'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;height:.1in'> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt; height:.1in'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>Authors, please upload your paper <a href="http://www.nber.org/confsubmit/backend/form?id=SI13LE">here</a>.<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:1;height:.1in'> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt; height:.1in'></td> </tr> <tr style='mso-yfti-irow:2'> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText align=center style='text-align:center'><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>NATIONAL BUREAU OF ECONOMIC RESEARCH, INC.<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:3'> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText align=center style='text-align:center'><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:4'> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText align=center style='text-align:center'><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>SUMMER INSTITUTE 2013<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:5'> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText align=center style='text-align:center'><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:6'> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText align=center style='text-align:center'><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>Law and Economics Workshop<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:7'> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText align=center style='text-align:center'><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:8'> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText align=center style='text-align:center'><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>Christine <span class=SpellE>Jolls</span>, Organizer<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:9'> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText align=center style='text-align:center'><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:10'> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText align=center style='text-align:center'><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>Royal <span class=SpellE>Soneta</span> Hotel<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:11'> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText align=center style='text-align:center'><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>University BC Meeting Room<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:12'> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText align=center style='text-align:center'><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>40 Edwin H. Land Boulevard<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:13'> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText align=center style='text-align:center'><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>Cambridge, Massachusetts<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:14'> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText align=center style='text-align:center'><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:15'> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText align=center style='text-align:center'><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>July 24-25, 2013<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:16'> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText align=center style='text-align:center'><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:17;mso-yfti-lastrow:yes'> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText align=center style='text-align:center'><b style='mso-bidi-font-weight:normal'><span style='font-size:11.0pt;font-family: "Arial","sans-serif"'>PROGRAM<o:p></o:p></span></b></p> </td> </tr> </table> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> <table class=MsoTableGrid border=0 cellspacing=0 cellpadding=0 style='border-collapse:collapse;border:none;mso-yfti-tbllook:1184;mso-padding-alt: 0in 5.4pt 0in 5.4pt;mso-border-insideh:none;mso-border-insidev:none'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'> <td width=638 colspan=2 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><b style='mso-bidi-font-weight:normal'><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>TUESDAY, JULY 23:<o:p></o:p></span></b></p> </td> </tr> <tr style='mso-yfti-irow:1'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:2'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>6:00 pm<o:p></o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>Group Dinner  Bambara Restaurant<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:3'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>25 Edwin H. Land Blvd., Cambridge, MA <o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:4'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>(across the street from the Royal <span class=SpellE>Sonesta</span> Hotel)<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:5'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:6'> <td width=638 colspan=2 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><b style='mso-bidi-font-weight:normal'><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>WEDNESDAY, JULY 24:<o:p></o:p></span></b></p> </td> </tr> <tr style='mso-yfti-irow:7'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:8'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>8:30 am<o:p></o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>Coffee and Pastries<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:9'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:10'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>9:00 am<o:p></o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>Heidi Williams, MIT and NBER<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:11'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>(Joint with Eric <span class=SpellE>Budish</span>, Booth School of Business, University of Chicago, and Benjamin N. <span class=SpellE>Roin</span>, Harvard Law School)<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:12'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><a href="http://www.nber.org/confer/2013/SI2013/LE/Budish_Roin_Williams.pdf"><i>Do Fixed Patent Terms Distort Innovation? Evidence from Cancer Clinical Trials </i></a><i style='mso-bidi-font-style:normal'><o:p></o:p></i></span></p> </td> </tr> <tr style='mso-yfti-irow:13'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:14'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>Discussant:<span style='mso-spacerun:yes'>  </span>Felix <span class=SpellE>Oberholzer</span>-Gee, Harvard Business School and NBER<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:15'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:16'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>9:55 am<o:p></o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>Break<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:17'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:18'> <td width=638 colspan=2 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><b style='mso-bidi-font-weight:normal'><i style='mso-bidi-font-style:normal'><span style='font-size:11.0pt;font-family: "Arial","sans-serif"'>Special Session on Consumer Finance:<o:p></o:p></span></i></b></p> </td> </tr> <tr style='mso-yfti-irow:19'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>&nbsp;<o:p></o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:20'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>10:15 am<o:p></o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>Jonathan <span class=SpellE>Zinman</span>, Dartmouth College and NBER<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:21'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>(Joint with Victor <span class=SpellE>Stango</span>, Graduate School of Management, University of <o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:22'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>California, Davis)<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:23'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><a href="http://www.dartmouth.edu/~jzinman/Papers/Stango%20Zinman%20BHBH%20May%202013.pdf"><i>Borrowing High <span class=SpellE>Vs.Borrowing</span> Higher: Sources and Consequences of Dispersion in Individual Borrowing Costs </i></a><i style='mso-bidi-font-style: normal'><o:p></o:p></i></span></p> </td> </tr> <tr style='mso-yfti-irow:24'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:25'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>Discussant:<span style='mso-spacerun:yes'>  </span>Stephan Meier, Columbia Business School and NBER<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:26'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:27'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>11:10 am<o:p></o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>Darius <span class=SpellE>Palia</span>, Rutgers Business School<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:28'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>(Joint with R. Glenn Hubbard, Columbia Business School and NBER, and Wei Yu, California State Polytechnic University)<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:29'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><i style='mso-bidi-font-style:normal'><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><a href="Palia_Hubbard_Yu.pdf">Analysis of Discrimination in Prime and Subprime Mortgage Markets</a><o:p></o:p></span></i></p> </td> </tr> <tr style='mso-yfti-irow:30'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:31'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>Discussant:<span style='mso-spacerun:yes'>  </span><span class=SpellE>Asaf</span> <span class=SpellE>Zussman</span>, Hebrew University<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:32'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:33'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>12:05 pm<o:p></o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>Lunch<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:34'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:35'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>1:15 pm<o:p></o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>Paul <span class=SpellE>Heidhues</span>, European School of Management and Technology<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:36'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>(Joint with <span class=SpellE>Botond</span> <span class=SpellE>Koszegi</span>, University of California, Berkeley)<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:37'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><i style='mso-bidi-font-style:normal'><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>Seller Information about Consumer <span class=SpellE>Naivete</span> Lowers Welfare&nbsp;<o:p></o:p></span></i></p> </td> </tr> <tr style='mso-yfti-irow:38'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:39'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>Discussant:<span style='mso-spacerun:yes'>  </span>Michael Grubb, Massachusetts Institute of Technology<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:40'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:41'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>2:10 pm<o:p></o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>Break<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:42'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:43'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>2:30 pm<o:p></o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span class=SpellE><span style='font-size:11.0pt; font-family:"Arial","sans-serif"'>Santosh</span></span><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'> <span class=SpellE>Anagol</span>, Wharton School, University of Pennsylvania<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:44'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>(Joint with <span class=SpellE>Vijaya</span> B. <span class=SpellE>Marisetty</span>, RMIT University, <span class=SpellE>Renuka</span> Sane, Indira Gandhi Institute of Development Research, and <span class=SpellE>Buvaneshwaran</span> <span class=SpellE>Gokul</span> <span class=SpellE>Venugopal</span>, Bauer College of Business, University of Houston)<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:45'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><i><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><a href="http://www.nber.org/confer/2013/SI2013/LE/Anagol_Marisetty_Sane_Venugopal.pdf">On the Impact of Regulating Commissions: Evidence from the Indian Mutual Funds Market</a></span></i><i style='mso-bidi-font-style:normal'><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></i></p> </td> </tr> <tr style='mso-yfti-irow:46'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:47'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>Discussant:<span style='mso-spacerun:yes'>  </span>James Choi, School of Management, Yale University, and NBER<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:48'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:49'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>3:25 pm<o:p></o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>Joshua <span class=SpellE>Teitelbaum</span>, Georgetown University Law Center<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:50'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>(Joint with <span class=SpellE>Levon</span> <span class=SpellE>Barseghyan</span>, Cornell University, Francesca Molinari, Cornell University, and Darcy <span class=SpellE>Steeg</span> Morris, Bureau of the Census)<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:51'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><i style='mso-bidi-font-style:normal'><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><a href="Barseghyan_Molinari_Morris_Teitelbaum.pdf">Unlucky or Risky? Unobserved Heterogeneity and Experience Rating in Insurance Markets</a><o:p></o:p></span></i></p> </td> </tr> <tr style='mso-yfti-irow:52'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:53'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>Discussant:<span style='mso-spacerun:yes'>  </span>Bentley MacLeod, Columbia University and NBER<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:54'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:55'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>4:20 pm<o:p></o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>Adjourn<o:p></o:p></span></p> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>(Feldstein Lecture by Lawrence Summers in the Grand Ballroom at 4:30pm)<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:56'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:57'> <td width=638 colspan=2 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><b style='mso-bidi-font-weight:normal'><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>THURSDAY, JULY 25:<o:p></o:p></span></b></p> </td> </tr> <tr style='mso-yfti-irow:58'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:59'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>8:30 am<o:p></o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>Coffee and Pastries<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:60'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:61'> <td width=638 colspan=2 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><b style='mso-bidi-font-weight:normal'><i style='mso-bidi-font-style:normal'><span style='font-size:11.0pt;font-family: "Arial","sans-serif"'>Special Session on Corporate Governance:<o:p></o:p></span></i></b></p> </td> </tr> <tr style='mso-yfti-irow:62'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:63'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>9:00 am<o:p></o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>Ulrike <span class=SpellE>Malmendier</span>, University of California, Berkeley and NBER<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:64'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>(Joint with Enrico <span class=SpellE>Moretti</span>, University of California, Berkeley and NBER, and Florian Peters, University of Amsterdam)<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:65'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><i style='mso-bidi-font-style:normal'><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>Winning by Losing: Evidence on the Long-Run Effects of Mergers<o:p></o:p></span></i></p> </td> </tr> <tr style='mso-yfti-irow:66'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:67'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>Discussant:<span style='mso-spacerun:yes'>  </span>Robin Greenwood, Harvard Business School and NBER<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:68'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:69'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>9:55 am<o:p></o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span class=SpellE><span style='font-size:11.0pt; font-family:"Arial","sans-serif"'>Nickolay</span></span><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'> <span class=SpellE>Gantchev</span>, <span class=SpellE>Kenan</span>-Flagler Business School, University of North Carolina, Chapel Hill<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:70'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>(Joint with <span class=SpellE>Chotibhak</span> <span class=SpellE>Jostikasthira</span>, <span class=SpellE>Kenan</span>-Flagler Business School, University of North Carolina, Chapel Hill)<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:71'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><i><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><a href="http://www.nber.org/confer/2013/SI2013/LE/Gantchev_Jotikasthira.pdf">Hedge Fund Activists: Do They Take Cues from Institutional Exit?</a></span></i><i style='mso-bidi-font-style:normal'><span style='font-size:11.0pt;font-family: "Arial","sans-serif"'><o:p></o:p></span></i></p> </td> </tr> <tr style='mso-yfti-irow:72'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:73'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>Discussant:<span style='mso-spacerun:yes'>  </span><span class=SpellE>Martijn</span> <span class=SpellE>Cremers</span>, Mendoza College of Business, University of Notre Dame<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:74'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:75'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>10:50 am<o:p></o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>Break<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:76'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:77'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>11:10 am<o:p></o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>Jun Yang, Kelley School of Business, Indiana University<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:78'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>(Joint with Jin <span class=SpellE>Xu</span>, <span class=SpellE>Krannert</span> School of Management, Purdue University)<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:79'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><i><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><a href="http://www.nber.org/confer/2013/SI2013/LE/Xu_Yang.pdf">An Empirical Examination of the Signing Bonus: An Incentive Mechanism</a></span></i><i style='mso-bidi-font-style:normal'><span style='font-size:11.0pt;font-family: "Arial","sans-serif"'><o:p></o:p></span></i></p> </td> </tr> <tr style='mso-yfti-irow:80'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:81'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>Discussant:<span style='mso-spacerun:yes'>  </span>Alex Lee, Gould School of Law, University of Southern California<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:82'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:83'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>12:05 pm<o:p></o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>Lunch<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:84'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:85'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>1:15 pm<o:p></o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>Andrew F. <span class=SpellE>Daughety</span> and Jennifer F. <span class=SpellE>Reinganum</span>, Vanderbilt University<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:86'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><i><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><a href="http://www.nber.org/confer/2013/SI2013/LE/Daughety_Reinganum.pdf">The Effect of Third-Party Funding of Plaintiffs on Settlement</a></span></i><i style='mso-bidi-font-style:normal'><span style='font-size:11.0pt;font-family: "Arial","sans-serif"'><o:p></o:p></span></i></p> </td> </tr> <tr style='mso-yfti-irow:87'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:88'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>Discussant:<span style='mso-spacerun:yes'>  </span><span class=SpellE>Schmuel</span> <span class=SpellE>Leshem</span>, Gould School of Law, University of Southern California<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:89'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:90'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>2:10 pm<o:p></o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>Louis <span class=SpellE>Kaplow</span>, Harvard Law School and NBER<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:91'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><i><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><a href="http://www.nber.org/confer/2013/SI2013/LE/Kaplow.pdf">Instrument Choice and the Incentive to Sue</a></span></i><i style='mso-bidi-font-style:normal'><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></i></p> </td> </tr> <tr style='mso-yfti-irow:92'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:93'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>Discussant:<span style='mso-spacerun:yes'>  </span>Aaron <span class=SpellE>Edlin</span>, University of California, Berkeley and NBER<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:94'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:95'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>3:05 pm<o:p></o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>Break<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:96'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:97'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>(Joint with Economics of Crime Working Group)<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:98'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:99'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>3:30 pm<o:p></o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>Giovanni <span class=SpellE>Mastrobuoni</span>, <span class=SpellE>Collegio</span> Carlo Alberto<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:100'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><i style='mso-bidi-font-style:normal'><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>Crime is Terribly Revealing: An Evaluation of Predictive Policing<o:p></o:p></span></i></p> </td> </tr> <tr style='mso-yfti-irow:101'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:102'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>Discussant:&nbsp; Mark <span class=SpellE>Kleiman</span>, <span class=SpellE>Luskin</span> School of Public Affairs, University of California, Los Angeles<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:103'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:104'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>4:30 pm<o:p></o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>Amanda Y. <span class=SpellE>Agan</span>, Princeton University<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:105'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><i style='mso-bidi-font-style:normal'><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>The Effect of Sex Offender Registration Policies on Plea Bargaining<o:p></o:p></span></i></p> </td> </tr> <tr style='mso-yfti-irow:106'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:107'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>Discussant:&nbsp; John J. Donohue, Stanford Law School and NBER<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:108'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:109'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>5:30 pm<o:p></o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>Adjourn<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:110;mso-yfti-lastrow:yes'> <td width=113 valign=top style='width:84.8pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=525 valign=top style='width:394.0pt;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>&nbsp;<o:p></o:p></span></p> </td> </tr> </table> <p class=MsoPlainText><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </div> </body> </html>