Friest, Philip LKallio, Edwin2024-08-132024-08-131981-03https://hdl.handle.net/11299/264871There are two files attached to this record, 81-3.pdf and 81-7.pdf. The content is very similar but there are some differences, especially around formatting and page order, and for some reason two different Working Paper numbers were assigned (81-3 and 81-7).en-USBureau of Business and Economic ResearchUniversity of Minnesota DuluthWorking Paper