Costas Meghir is Professor of Economics at Yale University. Christopher A. Pissarides, 2010 Nobel Laureate in Economics, is School Professor of Economics and Political Science and Regius Professor of Economics at the London School of Economics. Dimitri Vayanos is Professor of Finance at the London School of Economics. Nikolaos Vettas is Professor of Economics at the Athens University of Economics and Business and General Director of the Foundation for Economic and Industrial Research (IOBE). Costas Meghir is Professor of Economics at Yale University. Christopher A. Pissarides, 2010 Nobel Laureate in Economics, is School Professor of Economics and Political Science and Regius Professor of Economics at the London School of Economics. Dimitri Vayanos is Professor of Finance at the London School of Economics. Nikolaos Vettas is Professor of Economics at the Athens University of Economics and Business and General Director of the Foundation for Economic and Industrial Research (IOBE). Costas Meghir is Professor of Economics at Yale University. Michael Haliassos holds the Chair of Macroeconomics and Finance at Goethe University and is the editor of Financial Innovation- Too Much or Too Little? (MIT Press). Dimitri Vayanos is Professor of Finance at the London School of Economics. Nikolaos Vettas is Professor of Economics at the Athens University of Economics and Business and General Director of the Foundation for Economic and Industrial Research (IOBE). Michael Haliassos holds the Chair of Macroeconomics and Finance at Goethe University and is the editor of Financial Innovation- Too Much or Too Little? (MIT Press). Costas Meghir is Professor of Economics at Yale University.