Ariuna Taivan University of Minnesota Duluth   330M, department of economics, LSBE 1318 kirby drive Duluth, mn 55812 usa   ataivan@d.umn.edu   https://lsbe.d.umn.edu/economics/economics_meetstaff.php           JEL Areas: G1 : General Financial Markets: General (includes Measurement and Data) O1 : Economic Development: General