1 “... advantages for mortgage borrowing. The paper finally proposes a novel indicator to measure the balance...”

2 “... simulations based on a novel empirical methodology indicate, however, that the financial expansion has put a...”

3 “... growth. Causality from more credit to slower growth is supported by a novel empirical methodology which...”

4 “...The paper introduces a novel, granular house-price dataset sourced from a network of public...”