Berger, Allen N. (Professor in Banking and Finance, University of South Carolina, President, Financial Intermediation Research Society, Senior Fellow, Wharton Financial Institutions Center, and Fellow of the European Banking Center, SC, USA), Karakaplan, Mustafa U. (Professor, Finance Department, Darla Moore School of Business, University of South Carolina, USA), Roman, Raluca A. (Senior Economist, Federal Reserve Bank of Philadelphia; formerly Federal Reserve Bank of Kansas City, KS, USA)