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The application of censored regression techniques to the analysis of tax reform. Journal of Econometrics, 35 (2-3): 287--302 (July 1987)Interstate banking in rural markets: The evidence from the corn belt, and . Journal of Banking & Finance, 15 (6): 1081--1091 (December 1991)The economic value of information. Springer, New York, NY u.a., (1999)