1 “... and processing times, simplifying the application process, and providing alternative channels to receive...”

2 “... in explaining financial inclusion among women. Men are more than three times as likely as women to report using...”

3 “... is three times the average gap in developing countries. And in Romania, the gap between richest 60 percent...”

4

5 “... countries and within countries over time. The results are robust to various measures of business regulation...”

6 “.... The database includes cross-country, time-series data on the number of total and newly registered businesses...”

7 “... to time the markets, firms issuing SEOs are preceded by a significantly higher run-up in stock price...”

8 “... of firm is emerging that is more market and profit-oriented. But at the same time, these firms appear...”