1 “... characteristics. In addition, 22 percent of adults report having saved at a formal financial institution...”

2 “... and usage of savings and credit products. Even after controlling for a host of individual characteristics...”

3 “... characteristics of the parties that contract together; the key contractual terms, such as the discount for early...”

4 “... had distinctive characteristics, such as larger size and foreign debt exposures. Unlike in studies...”

5 “... terms are jointly determined by supplier and buyer characteristics...”

6 “... individual- and country-level characteristics. But the analysis finds no evidence that Muslims are less...”

7 “... the individual and country characteristics associated with the use of formal accounts and what policies...”

8 “..., controlling for firm and country characteristics. · Filings are more likely in countries with better judicial...”