First Author:   William A. Barnett University of Kansas and Center for Financial Stability williamabarnett@gmail.com   1904 Inverness Drive Lawrence, 66047-1832, USA   785-864-2844(Phone) 785-864-2844(Fax) https://server1.tepper.cmu.edu/barnett/welcome.html Second Author: Liting Su University of Kansas and Center for Financial Stability linnasusu@gmail.com