All materials on SSRN are the copyright of Elsevier or are reproduced with permission from other copyright owners. All rights are reserved. The materials on this web site may be retrieved and downloaded solely for personal non-commercial use. No materials may otherwise be copied, modified, published, broadcast or otherwise distributed. Social Science Research Network, SSRN, SSRN.com and/or any other names of products or services provided by Elsevier or referred to on this web site are either trademarks or registered trademarks of Elsevier.