Amaury Goguel SKEMA Business School – Université Côte d'Azur, France.   Esplanade Mona Lisa Esplanade Mona Lisa Courbevoie, Paris La Défense, 92916 France   amaury.goguel@skema.edu             JEL Areas: G2 : Financial Institutions and Services: General E3 : Prices, Business Fluctuations, and Cycles: General (includes Measurement and Data)