xBookUtils.terms['fn_29_501'] = "Bloom, David E., David Canning, and Bryan S. Graham. 2002. Longevity and life cycle savings. NBER working paper W8808, Washington, DC. http://www.ssrn.com/abstract=302569.";
xBookUtils.terms['fn_29_502'] = "Shoda, Y., W. Mischel, and P. Peake. 1988. Predicting adolescent cognitive and self-regulatory competencies from preschool delay of gratification: Identifying diagnostic conditions. Developmental Psychology 26: 978–986.";
xBookUtils.terms['fn_29_503'] = "Beshears, John, James Choi, David Laibson, and Brigitte Madrian. The Importance of Default Options for Retirement Savings Outcomes: Evidence from the United States. Washington, DC: National Bureau of Economic Research. http://nber.org/aginghealth/summer06/w12009.html.";
xBookUtils.terms['fn_29_504'] = "Levine, Ross, and Sara Zervos. 1998. Stock markets, banks, and economic growth. American Economic Review 88(3): 537-558.";
xBookUtils.terms['fn_29_505'] = "Blustein, Paul. 2005. And the Money Kept Rolling In (and Out): Wall Street, the IMF, and the Bankrupting of Argentina. New York: Public Affairs. See, in particular, p. 191.";
xBookUtils.terms['fn_29_506'] = "See La Porta, Rafael, Florencio Lopez-De-Silanes, and Andrei Shleifer. 2002. Government ownership of banks. Journal of Finance, American Finance Association 57(1): 265-301.";
xBookUtils.terms['fn_29_507'] = "Friedman, Milton, and Anna J. Schwartz. 1963. A Monetary History of the United States, 1867–1960. Princeton, NJ: Princeton University Press.";
xBookUtils.terms['fn_29_508'] = "Bernanke, Ben. 1983. Nonmonetary effects of the financial crisis in the propagation of the Great Depression. American Economic Review 73(3): 257–276.";
xBookUtils.terms['fn_29_509'] = "Leverage ratios can be calculated in different ways so no leverage ratio is written in stone but the increase in leverage over the 2000s is well accepted. Figures on Lehman’s leverage in 2004 and 2007 come from http://uk.biz.yahoo.com/15092009/389/three-reasons-lehman-collapsed.html. See also http://emac.blogs.foxbusiness.com/2008/06/04/the-fire-engine-red-flags-at-lehman-brothers for slightly different figures.";
xBookUtils.terms['fn_29_510'] = "In principle, it is possible for the supply curve for savings to be negatively sloped. For instance, if an individual wanted exactly $100 in one year’s time, then at an interest rate of 10%, he or she would need to save $90.91, but at an interest rate of 20%, he or she would need to save only $83.33. Thus, an increase in the interest rate could reduce savings. The evidence, however, indicates that individual savings rates typically respond positively to higher interest rates. In addition, higher U.S. interest rates also encourage lenders in other countries to move some of their savings to U.S. markets. Both forces mean that the supply curve for savings is upwardly sloped in most circumstances.";