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The recent financial crisis has led many to question how well businesses deliver services and how well regulatory institutions address problems in consumer financial markets. This paper discusses… (More)
Even though most American retirees benefit from Medicare coverage, a mounting body of research predicts that many will face large and increasing out-of-pocket expenditures for healthcare costs in… (More)
A single polarization optical waveguide structure is introduced and demonstrated experimentally. The optical waveguide structure considered is a silicon nitride film deposited onto an oxidized… (More)
Given all the talk of regulatory convergence in financial markets, one would think that good data would be available regarding the actual intensity of financial regulation in developed countries as… (More)