1 “... not leading to higher returns. The paper also documents important time, cross-bank, and cross-county variation...”

2 “... can explain little of the over-time variation in bank spreads. Bank-level characteristics...”

3 “..."There is a wide cross-country variation in the institutional structure of bank failure resolution...”

4 “...This paper uses data across 365 corridors to document time and country variation in remittance fees...”

5 “... schemes and their variation across countries. They focus on the respective role of government...”

6 “... of income. Exploiting cross-state and cross-time variation, we test whether liberalizing restrictions...”

7 “..., the authors also show the importance of institutions in explaining the variation in economic development...”

8 “... substantial cross-country variation in barriers to banking and show that in many countries these barriers can...”