http://www.frbatlanta.org/publica/work_papers/wp00/wp0022.pdf Complements of the Atlanta Fed. Lions and Tigers and Coasian microecon, oh, my... No mention of the "B" word, but, then, they're not supposed to, yet, right? :-) Cheers, RAH -- ----------------- R. A. Hettinga <mailto: rah@ibuc.com> The Internet Bearer Underwriting Corporation <http://www.ibuc.com/> 44 Farquhar Street, Boston, MA 02131 USA "... however it may deserve respect for its usefulness and antiquity, [predicting the end of the world] has not been found agreeable to experience." -- Edward Gibbon, 'Decline and Fall of the Roman Empire'