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David Bradford & Charles Courtemanche & Garth Heutel & Patrick McAlvanah & Christopher Ruhm, 2017. "Time preferences and consumer behavior," Journal of Risk and Uncertainty, vol 55(2-3), pages 119-145. citation courtesy of

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 2025 Methods Lecture, Raj Chetty, "Uncovering Causal Mechanisms: Mediation Analysis and Surrogate Indices"
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