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The
Jou
rnal
of
Stru
ctur
ed F
inan
ce 1
995.
1.2:
53-5
8. D
ownl
oade
d fr
om w
ww
.iijo
urna
ls.c
om b
y Sh
emel
ina
Sofi
a on
10/
13/1
5.It
is il
lega
l to
mak
e un
auth
oriz
ed c
opie
s of
this
art
icle
, for
war
d to
an
unau
thor
ized
use
r or
to p
ost e
lect
roni
cally
with
out P
ublis
her
perm
issi
on.
The
Jou
rnal
of
Stru
ctur
ed F
inan
ce 1
995.
1.2:
53-5
8. D
ownl
oade
d fr
om w
ww
.iijo
urna
ls.c
om b
y Sh
emel
ina
Sofi
a on
10/
13/1
5.It
is il
lega
l to
mak
e un
auth
oriz
ed c
opie
s of
this
art
icle
, for
war
d to
an
unau
thor
ized
use
r or
to p
ost e
lect
roni
cally
with
out P
ublis
her
perm
issi
on.
The
Jou
rnal
of
Stru
ctur
ed F
inan
ce 1
995.
1.2:
53-5
8. D
ownl
oade
d fr
om w
ww
.iijo
urna
ls.c
om b
y Sh
emel
ina
Sofi
a on
10/
13/1
5.It
is il
lega
l to
mak
e un
auth
oriz
ed c
opie
s of
this
art
icle
, for
war
d to
an
unau
thor
ized
use
r or
to p
ost e
lect
roni
cally
with
out P
ublis
her
perm
issi
on.
The
Jou
rnal
of
Stru
ctur
ed F
inan
ce 1
995.
1.2:
53-5
8. D
ownl
oade
d fr
om w
ww
.iijo
urna
ls.c
om b
y Sh
emel
ina
Sofi
a on
10/
13/1
5.It
is il
lega
l to
mak
e un
auth
oriz
ed c
opie
s of
this
art
icle
, for
war
d to
an
unau
thor
ized
use
r or
to p
ost e
lect
roni
cally
with
out P
ublis
her
perm
issi
on.
The
Jou
rnal
of
Stru
ctur
ed F
inan
ce 1
995.
1.2:
53-5
8. D
ownl
oade
d fr
om w
ww
.iijo
urna
ls.c
om b
y Sh
emel
ina
Sofi
a on
10/
13/1
5.It
is il
lega
l to
mak
e un
auth
oriz
ed c
opie
s of
this
art
icle
, for
war
d to
an
unau
thor
ized
use
r or
to p
ost e
lect
roni
cally
with
out P
ublis
her
perm
issi
on.
The
Jou
rnal
of
Stru
ctur
ed F
inan
ce 1
995.
1.2:
53-5
8. D
ownl
oade
d fr
om w
ww
.iijo
urna
ls.c
om b
y Sh
emel
ina
Sofi
a on
10/
13/1
5.It
is il
lega
l to
mak
e un
auth
oriz
ed c
opie
s of
this
art
icle
, for
war
d to
an
unau
thor
ized
use
r or
to p
ost e
lect
roni
cally
with
out P
ublis
her
perm
issi
on.
