This paper has been announced in the following NEP Reports:

• NEP-ALL-2006-08-05 (All new papers)
• NEP-BAN-2006-08-05 (Banking)
• NEP-COM-2006-08-05 (Industrial Competition)
• NEP-DCM-2006-08-05 (Discrete Choice Models)
• NEP-EFF-2006-08-05 (Efficiency & Productivity)
• NEP-FIN-2006-08-05 (Finance)
• NEP-FMK-2006-08-05 (Financial Markets)

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