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mso-fareast-theme-font:major-fareast; mso-hansi-font-family:Cambria; mso-hansi-theme-font:major-latin; mso-bidi-font-family:"Times New Roman"; mso-bidi-theme-font:major-bidi; color:#4F81BD; mso-themecolor:accent1; font-weight:bold;} span.confpapertitle {mso-style-name:confpapertitle; mso-style-unhide:no; font-style:italic;} span.apple-converted-space {mso-style-name:apple-converted-space; mso-style-unhide:no;} span.SpellE {mso-style-name:""; mso-spl-e:yes;} .MsoChpDefault {mso-style-type:export-only; mso-default-props:yes; font-size:10.0pt; mso-ansi-font-size:10.0pt; mso-bidi-font-size:10.0pt;} @page WordSection1 {size:8.5in 11.0in; margin:1.0in 1.0in 1.0in 1.0in; mso-header-margin:.5in; mso-footer-margin:.5in; mso-paper-source:0;} div.WordSection1 {page:WordSection1;} --> </style> <!--[if gte mso 10]> <style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-priority:99; mso-style-parent:""; mso-padding-alt:0in 5.4pt 0in 5.4pt; mso-para-margin:0in; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:10.0pt; font-family:"Times New Roman",serif;} </style> <![endif]--><!--[if gte mso 9]><xml> <o:shapedefaults v:ext="edit" spidmax="1026"/> </xml><![endif]--><!--[if gte mso 9]><xml> <o:shapelayout v:ext="edit"> <o:idmap v:ext="edit" data="1"/> </o:shapelayout></xml><![endif]--> </head> <body lang=EN-US link=blue vlink=purple style='tab-interval:.5in'> <div class=WordSection1> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=625 style='width:468.75pt;mso-cellspacing:0in;mso-yfti-tbllook:1184;mso-padding-alt: 0in 5.4pt 0in 5.4pt'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'> <td valign=top style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal style='margin-bottom:12.0pt'><span style='font-size:11.0pt; font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman"'>Authors, please upload your paper <a href="http://www.nber.org/confsubmit/backend/form?id=SI16HF">here</a>. <o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:1'> <td valign=top style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=center style='margin-bottom:12.0pt;text-align:center'><span style='font-size:11.0pt;font-family:"Arial",sans-serif;mso-fareast-font-family: "Times New Roman"'>NATIONAL BUREAU OF ECONOMIC RESEARCH, INC. <o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:2'> <td valign=top style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=center style='margin-bottom:12.0pt;text-align:center'><span style='font-size:11.0pt;font-family:"Arial",sans-serif;mso-fareast-font-family: "Times New Roman"'>SI 2016 Household Finance <o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:3'> <td valign=top style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=center style='margin-bottom:12.0pt;text-align:center'><span style='font-size:11.0pt;font-family:"Arial",sans-serif;mso-fareast-font-family: "Times New Roman"'>Brigitte <span class=SpellE>Madrian</span> and Stephen <span class=SpellE>Zeldes</span>, Organizers <o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:4'> <td valign=top style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=center style='margin-bottom:12.0pt;text-align:center'><span style='font-size:11.0pt;font-family:"Arial",sans-serif;mso-fareast-font-family: "Times New Roman"'>July 22-23, 2016<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:5'> <td valign=top style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:11.0pt;font-family:"Arial",sans-serif;color:black'>Royal<span style='orphans: auto;widows: 1;-webkit-text-stroke-width: 0px;word-spacing: 0px'> Sonesta</span></span><span style='orphans: auto;widows: 1;-webkit-text-stroke-width: 0px; word-spacing:0px'><span style='font-size:11.0pt;font-family:"Arial",sans-serif'> Hotel<br style='orphans: auto;widows: 1;-webkit-text-stroke-width: 0px; word-spacing:0px'> <span style='color:black'><span style='orphans: auto;widows: 1;-webkit-text-stroke-width: 0px; float:none;word-spacing:0px'>Parkview Room<o:p></o:p></span></span></p> </span> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:11.0pt;font-family:"Arial",sans-serif'>40 Edwin H. Land Blvd.<br style='orphans: auto;widows: 1;-webkit-text-stroke-width: 0px;word-spacing: 0px'> <span style='orphans: auto;widows: 1;-webkit-text-stroke-width: 0px; float:none;word-spacing:0px'>Cambridge, MA</span> <br> <br style='mso-special-character:line-break'> <![if !supportLineBreakNewLine]><br style='mso-special-character:line-break'> <![endif]><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:6;mso-yfti-lastrow:yes'> <td valign=top style='padding:.75pt .75pt .75pt .75pt'> <h2 align=center style='text-align:center'><u><span style='font-size:11.0pt; font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman"'>PRELIMINARY PROGRAM<o:p></o:p></span></u></h2> </td> </tr> </table> <p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial",sans-serif; mso-fareast-font-family:"Times New Roman"'><o:p>&nbsp;</o:p></span></p> <table class=MsoNormalTable border=0 cellpadding=0 style='mso-cellspacing:1.5pt; mso-yfti-tbllook:1184;mso-padding-alt:0in 5.4pt 0in 5.4pt'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'> <td width=626 colspan=2 valign=top style='width:469.5pt;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><b style='mso-bidi-font-weight:normal'><span style='font-size:11.0pt;font-family:"Arial",sans-serif;mso-fareast-font-family: "Times New Roman"'><!-- </div> -->Friday, July 22</span></b><span style='font-size:11.0pt;font-family:"Arial",sans-serif;mso-fareast-font-family: "Times New Roman"'><br style='mso-special-character:line-break'> <![if !supportLineBreakNewLine]><br style='mso-special-character:line-break'> <![endif]><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:1'> <td width=99 valign=top style='width:74.25pt;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial",sans-serif; mso-fareast-font-family:"Times New Roman"'>8:30 am<o:p></o:p></span></p> </td> <td width=525 valign=top style='width:393.75pt;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial",sans-serif; mso-fareast-font-family:"Times New Roman"'>Coffee and Pastries<br style='mso-special-character:line-break'> <![if !supportLineBreakNewLine]><br style='mso-special-character:line-break'> <![endif]><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:2'> <td width=99 valign=top style='width:74.25pt;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial",sans-serif; mso-fareast-font-family:"Times New Roman"'>9:00 am<o:p></o:p></span></p> </td> <td width=525 valign=top style='width:393.75pt;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal style='margin-bottom:12.0pt'><span style='font-size:11.0pt; font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman"'>Daniel Gottlieb, University of Pennsylvania<br> Leonardo <span class=SpellE>Bursztyn</span>, </span><span style='font-size: 11.0pt;font-family:"Arial",sans-serif'>University of Chicago </span><span style='font-size:11.0pt;font-family:"Arial",sans-serif;mso-fareast-font-family: "Times New Roman"'>and NBER<br> Stefano <span class=SpellE>Fiorin</span>, University of California at Los Angeles<br> Martin <span class=SpellE>Kanz</span>, The World Bank<br> <i><a href="Bursztyn_Fiorin_Gottlieb_Kanz.pdf">Moral Incentives: Experimental Evidence from Repayments of an Islamic Credit Card</a></i><br> <br> Discussant:<span style='mso-spacerun:yes'>  </span>Eric Chaney, Harvard University<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:3'> <td width=99 valign=top style='width:74.25pt;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial",sans-serif; mso-fareast-font-family:"Times New Roman"'>10:00 am<o:p></o:p></span></p> </td> <td width=525 valign=top style='width:393.75pt;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal style='margin-bottom:12.0pt'><span style='font-size:11.0pt; font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman"'>Break<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:4'> <td width=99 valign=top style='width:74.25pt;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial",sans-serif; mso-fareast-font-family:"Times New Roman"'>10:30 am<o:p></o:p></span></p> </td> <td width=525 valign=top style='width:393.75pt;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal style='margin-bottom:12.0pt'><span style='font-size:11.0pt; font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman"'>Giacomo De Giorgi, Federal Reserve Bank of New York<br> Andres <span class=SpellE>Drenik</span>, Stanford University<br> Enrique <span class=SpellE>Seira</span>, Stanford University<br> <i>Moral Hazard in the Credit Market</i><br> <br> Discussant:<span style='mso-spacerun:yes'>  </span>Andres <span class=SpellE>Liberman</span>, New York University<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:5'> <td width=99 valign=top style='width:74.25pt;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial",sans-serif; mso-fareast-font-family:"Times New Roman"'>11:30 am<o:p></o:p></span></p> </td> <td width=525 valign=top style='width:393.75pt;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal style='margin-bottom:12.0pt'><span style='font-size:11.0pt; font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman"'>John <span class=SpellE>Gathergood</span>, University of Nottingham<br> Stefan Hunt, Financial Conduct Authority<br> Ben <span class=SpellE>Guttman</span>-Kenney, Financial Conduct Authority<br> <i>How Do Payday Loans Affect Consumers?</i><br> <br> Discussant:<span style='mso-spacerun:yes'>  </span>Adair Morse, University of California at Berkeley and NBER<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:6'> <td width=99 valign=top style='width:74.25pt;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial",sans-serif; mso-fareast-font-family:"Times New Roman"'>12:30 pm<o:p></o:p></span></p> </td> <td width=525 valign=top style='width:393.75pt;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal style='margin-bottom:12.0pt'><span style='font-size:11.0pt; font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman"'>Lunch<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:7'> <td width=99 valign=top style='width:74.25pt;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial",sans-serif; mso-fareast-font-family:"Times New Roman"'>1:30 pm<o:p></o:p></span></p> </td> <td width=525 valign=top style='width:393.75pt;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal style='margin-bottom:12.0pt'><span style='font-size:11.0pt; font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman"'>David Berger, Northwestern University and NBER<br> Nicholas Turner, Department of the Treasury<br> Eric Zwick, University of Chicago and NBER<br> <i><a href="Berger_Turner_Zwick.pdf">Stimulating Housing Markets</a></i><br> <br> Discussant:<span style='mso-spacerun:yes'>  </span>Christopher Palmer, University of California at Berkeley<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:8'> <td width=99 valign=top style='width:74.25pt;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial",sans-serif; mso-fareast-font-family:"Times New Roman"'>2:30 pm<o:p></o:p></span></p> </td> <td width=525 valign=top style='width:393.75pt;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal style='margin-bottom:12.0pt'><span style='font-size:11.0pt; font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman"'>Theresa <span class=SpellE>Kuchler</span>, New York University<br> Johannes <span class=SpellE>Stroebel</span>, New York University and NBER<br> Michael Bailey, Facebook<br> Rachel Cao, Harvard University<br> <i><a href="Bailey_Cao_Kuchler_Stroebel.pdf">Social Networks and Housing Markets</a></i><br> <br> Discussant:<span style='mso-spacerun:yes'>  </span>Michael Luca, Harvard University<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:9'> <td width=99 valign=top style='width:74.25pt;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial",sans-serif; mso-fareast-font-family:"Times New Roman"'>3:30 pm<o:p></o:p></span></p> </td> <td width=525 valign=top style='width:393.75pt;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal style='margin-bottom:12.0pt'><span style='font-size:11.0pt; font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman"'>Break<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:10'> <td width=99 valign=top style='width:74.25pt;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial",sans-serif; mso-fareast-font-family:"Times New Roman"'>4:00 pm<o:p></o:p></span></p> </td> <td width=525 valign=top style='width:393.75pt;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal style='margin-bottom:12.0pt'><span style='font-size:11.0pt; font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman"'>Paul <span class=SpellE>Willen</span>, Federal Reserve Bank of Boston and NBER<br> Christopher Foote, Federal Reserve Bank of Boston<br> Lara <span class=SpellE>Loewenstein</span>, Brandeis University<br> </span><span style='font-size:11.0pt;font-family:"Arial",sans-serif'><a href="http://www.nber.org/confer/2016/SI2016/HF/Foote_Loewenstein_Willen.pdf"><i>Cross-Sectional Patterns of Mortgage Debt during the Housing Boom: Evidence and Implications </i></a></span><span style='font-size:11.0pt;font-family:"Arial",sans-serif;mso-fareast-font-family: "Times New Roman"'><br> <br> Discussant:<span style='mso-spacerun:yes'>  </span><span class=SpellE>Atif</span> R. <span class=SpellE>Mian</span>, Princeton University and NBER<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:11'> <td width=99 valign=top style='width:74.25pt;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial",sans-serif; mso-fareast-font-family:"Times New Roman"'>5:00 pm<o:p></o:p></span></p> </td> <td width=525 valign=top style='width:393.75pt;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal style='margin-bottom:12.0pt'><span style='font-size:11.0pt; font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman"'>Adjourn<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:12'> <td width=99 valign=top style='width:74.25pt;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial",sans-serif; mso-fareast-font-family:"Times New Roman"'>6:00 pm<o:p></o:p></span></p> </td> <td width=525 valign=top style='width:393.75pt;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal style='margin-bottom:12.0pt'><span style='font-size:11.0pt; font-family:"Arial",sans-serif'>Group Dinner<br> </span><span lang=IT style='font-size:11.0pt;font-family:"Arial",sans-serif; color:black;mso-ansi-language:IT'>Bambara Restaurant<br> 25 Edwin H. Land Blvd., Cambridge, MA<br> (across the street from the Royal Sonesta Hotel)</span><span style='font-size:11.0pt;font-family:"Arial",sans-serif'><br style='mso-special-character: line-break'> <![if !supportLineBreakNewLine]><br style='mso-special-character:line-break'> <![endif]></span><span style='font-size:11.0pt;font-family:"Arial",sans-serif; mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:13'> <td width=626 colspan=2 valign=top style='width:469.5pt;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><b style='mso-bidi-font-weight:normal'><span style='font-size:11.0pt;font-family:"Arial",sans-serif;mso-fareast-font-family: "Times New Roman"'>Saturday, July 23</span></b><span style='font-size:11.0pt; font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman"'><br style='mso-special-character:line-break'> <![if !supportLineBreakNewLine]><br style='mso-special-character:line-break'> <![endif]><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:14'> <td width=99 valign=top style='width:74.25pt;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial",sans-serif; mso-fareast-font-family:"Times New Roman"'>8:00 am<o:p></o:p></span></p> </td> <td width=525 valign=top style='width:393.75pt;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal style='margin-bottom:12.0pt'><span style='font-size:11.0pt; font-family:"Arial",sans-serif'>Coffee and Pastries</span><span style='font-size:11.0pt;font-family:"Arial",sans-serif;mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:15'> <td width=99 valign=top style='width:74.25pt;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial",sans-serif; mso-fareast-font-family:"Times New Roman"'>8:30 am<o:p></o:p></span></p> </td> <td width=525 valign=top style='width:393.75pt;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal style='margin-bottom:12.0pt'><span style='font-size:11.0pt; font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman"'>Mark Egan, University of Minnesota<br> <span class=SpellE>Gregor</span> <span class=SpellE>Matvos</span>, University of Chicago and NBER<br> Amit <span class=SpellE>Seru</span>, University of Chicago and NBER<br> <i>The Market for Financial Adviser Misconduct</i><br> <br> Discussant:<span style='mso-spacerun:yes'>  </span>Brigitte C. <span class=SpellE>Madrian</span>, Harvard University and NBER<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:16'> <td width=99 valign=top style='width:74.25pt;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial",sans-serif; mso-fareast-font-family:"Times New Roman"'>9:30 am<o:p></o:p></span></p> </td> <td width=525 valign=top style='width:393.75pt;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal style='margin-bottom:12.0pt'><span style='font-size:11.0pt; font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman"'>Adrien <span class=SpellE>Matray</span>, Princeton University<br> Claire <span class=SpellE>Celerier</span>, University of Zurich<br> <i>Bank Branch Supply and the Unbanked Phenomenon</i><br> <br> Discussant:<span style='mso-spacerun:yes'>  </span>Philip Strahan, Boston College and NBER<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:17'> <td width=99 valign=top style='width:74.25pt;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial",sans-serif; mso-fareast-font-family:"Times New Roman"'>10:30 am<o:p></o:p></span></p> </td> <td width=525 valign=top style='width:393.75pt;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal style='margin-bottom:12.0pt'><span style='font-size:11.0pt; font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman"'>Break<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:18'> <td width=99 valign=top style='width:74.25pt;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial",sans-serif; mso-fareast-font-family:"Times New Roman"'>11:00 am<o:p></o:p></span></p> </td> <td width=525 valign=top style='width:393.75pt;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal style='margin-bottom:12.0pt'><span style='font-size:11.0pt; font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman"'>Cary <span class=SpellE>Frydman</span>, University of Southern California<br> Samuel <span class=SpellE>Hartzmark</span>, University of Chicago<br> David Solomon, University of Southern California<br> </span><span style='font-size:11.0pt;font-family:"Arial",sans-serif'><a href="http://www.nber.org/confer/2016/SI2016/HF/Frydman_Hartzmark_Solomon.pdf"><i>Rolling Mental Accounts </i></a></span><span style='font-size:11.0pt;font-family: "Arial",sans-serif;mso-fareast-font-family:"Times New Roman"'><br> <br> Discussant:<span style='mso-spacerun:yes'>  </span>James J. Choi, Yale University and NBER<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:19'> <td width=99 valign=top style='width:74.25pt;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial",sans-serif; mso-fareast-font-family:"Times New Roman"'>12:00 pm<o:p></o:p></span></p> </td> <td width=525 valign=top style='width:393.75pt;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal style='margin-bottom:12.0pt'><span style='font-size:11.0pt; font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman"'>Lunch<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:20'> <td width=99 valign=top style='width:74.25pt;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial",sans-serif; mso-fareast-font-family:"Times New Roman"'>1:00 pm<o:p></o:p></span></p> </td> <td width=525 valign=top style='width:393.75pt;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal style='margin-bottom:12.0pt'><span class=SpellE><span style='font-size:11.0pt;font-family:"Arial",sans-serif;mso-fareast-font-family: "Times New Roman"'>Rawley</span></span><span style='font-size:11.0pt; font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman"'> <span class=SpellE>Heimer</span>, Federal Reserve Bank of Cleveland<br> Kristian <span class=SpellE>Myrseth</span>, University of St. Andrews<br> Raphael <span class=SpellE>Schoenle</span>, Brandeis University<br> <i><a href="Heimer_Myrseth_Schoenle.pdf">YOLO: Mortality Beliefs and Household Finance Puzzles</a></i><br> <br> Discussant:<span style='mso-spacerun:yes'>  </span>Joseph S. Briggs, New York University<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:21'> <td width=99 valign=top style='width:74.25pt;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial",sans-serif; mso-fareast-font-family:"Times New Roman"'>2:00 pm<o:p></o:p></span></p> </td> <td width=525 valign=top style='width:393.75pt;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal style='margin-bottom:12.0pt'><span style='font-size:11.0pt; font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman"'>Jing <span class=SpellE>Cai</span>, University of Michigan and NBER<br> Alain de <span class=SpellE>Janvry</span>, University of California at Berkeley<br> Elisabeth <span class=SpellE>Sadoulet</span>, University of California at Berkeley<br> </span><span style='font-size:11.0pt;font-family:"Arial",sans-serif'><a href="http://www.nber.org/confer/2016/SI2016/HF/Cai_de_Janvry_Sadoulet.pdf"><i>Subsidy Policies and Insurance Demand </i></a></span><span style='font-size:11.0pt; font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman"'><br> <br> Discussant:<span style='mso-spacerun:yes'>  </span>Simone G. <span class=SpellE>Schaner</span>, Dartmouth College and NBER<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:22;mso-yfti-lastrow:yes'> <td width=99 valign=top style='width:74.25pt;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial",sans-serif; mso-fareast-font-family:"Times New Roman"'>3:00 pm<o:p></o:p></span></p> </td> <td width=525 valign=top style='width:393.75pt;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal style='margin-bottom:12.0pt'><span style='font-size:11.0pt; font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman"'>Adjourn<o:p></o:p></span></p> </td> </tr> </table> <p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial",sans-serif; mso-fareast-font-family:"Times New Roman"'><o:p>&nbsp;</o:p></span></p> </div> </body> </html>