@techreport{NBERw12443,
 title = "The Welfare Consequences of ATM Surcharges: Evidence from a Structural Entry Model",
 author = "Gautam Gowrisankaran and John Krainer",
 institution = "National Bureau of Economic Research",
 type = "Working Paper",
 series = "Working Paper Series",
 number = "12443",
 year = "2006",
 month = "August",
 URL = "http://www.nber.org/papers/w12443",
}