23 Highlights: https://docs.google.com/document/d/1QQq9erUCF74EfNOzNe_D1X-URy6Wj7UVfXgG9lURSXs/edit?usp=drivesdk

The authors thank the Bill & Melinda Gates  Foundation for its support of this research.  Thanks are also owed to the research assistants  at the Center on Finance, Law & Policy, and especially to Avaskhan Assanaliyev. The authors  are also grateful for the editorial assistance of  Tracey Van Dusen and Christie Baer. 
Authors 
Michael S. Barr 
msbarr@umich.edu 
Adrienne A. Harris 
adrienah@umich.edu 
Megan Kelly 
megkel@umich.edu 
Emma Macfarlane 
emmamac@umich.edu 
Bryan Ricketts 
rickettb@umich.edu 
University of Michigan Center on Finance, Law & Policy  Weill Hall Suite 5211 
735 S. State St. 
Ann Arbor, MI 48109 
http://financelawpolicy.umich.edu/central-bank-research