@article{Lown2003,
	title = {The determination of commercial bank reserve requirements},
	author = {Cara S. Lown and John H. Wood},
	journal = {Review of Financial Economics},
	number = {1},
	pages = {83--98},
	url = {http://www.sciencedirect.com/science/article/B6W61-481G051-3/1/4675fd7b41dff68705893657a387400a},
	volume = {12},
	year = {2003},
	biburl = {http://www.bibsonomy.org/bibtex/231ab1365c227fc9fdb1e370176f23921/smicha},
	keywords = {Banks }
}

@article{Lown1996,
	title = {The behavior of consumer loan rates during the 1990 credit slowdown},
	author = {Cara Lown and Stavros Peristiani},
	journal = {Journal of Banking \& Finance},
	month = {Dec},
	number = {10},
	pages = {1673--1694},
	url = {http://www.sciencedirect.com/science/article/B6VCY-3VWC6GR-3/1/b198630b3ed7c42995a8fed80762d608},
	volume = {20},
	year = {1996},
	biburl = {http://www.bibsonomy.org/bibtex/2e6bd9e13d8a2109a687f3a99c55423c9/smicha},
	description = {Journal of Banking & Finance},
	keywords = {Lending behavior }
}