@inbook{NBERc12529,
 Crossref = "NBERhult10-1",
 title = "Aggregate Risk and the Choice between Cash and Lines of Credit",
 author = "Viral Acharya and Heitor Almeida and Murillo Campello",
 BookTitle = "Wealth, Financial Intermediation and the Real Economy",
 Publisher = "",
 year = "2010",
 month = "November",
 URL = "http://www.nber.org/chapters/c12529",
}
@book{NBERhult10-1,
 title = "Wealth, Financial Intermediation and the Real Economy",
 author = "Charles Hulten and Michael Palumbo and Marshall Reinsdorf",
 institution = "National Bureau of Economic Research",
 type = "Book",
 publisher = "",
 year = "2013",
 URL = "http://www.nber.org/books/hult10-1",
}