0.20 Edward L. Glaeser José Scheinkman, Neither a Borrower Nor a Lender Be: An Economic Analysis of Interest Restrictions and Usury Laws, Journal of Law and Economics, 1998.

{ bankruptcy debt creditors exemption }	0.20
{ optimal model expected level }	0.16
{ state states laws law }	0.09
{ political economic social institutions }	0.08

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