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<![endif]--> <meta name=Keywords content="Bill McDonald,textual analysis, natural language processing, finance, word lists, ethics"> <script language="JavaScript" type="text/javascript" src="http://www.nd.edu/~mcobweb/js/sniffer.js"> </script> <script language="JavaScript" type="text/javascript" src="http://www.nd.edu/~mcobweb/js/mcobweb.js"> </script> <script language="JavaScript" type="text/javascript" src="http://www.nd.edu/~mcobweb/js/style.js"> </script> <!--[if gte mso 9]><xml> <o:shapedefaults v:ext="edit" spidmax="1026"/> </xml><![endif]--><!--[if gte mso 9]><xml> <o:shapelayout v:ext="edit"> <o:idmap v:ext="edit" data="1"/> </o:shapelayout></xml><![endif]--> </head> <body lang=EN-US link=blue vlink=purple style='tab-interval:.5in'> <div class=WordSection1><span style='font-size:12.0pt;font-family:"Times New Roman",serif; mso-fareast-font-family:"Times New Roman";mso-fareast-theme-font:minor-fareast; 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1.0pt;mso-border-themecolor: background1;mso-border-themeshade:217;mso-border-alt:solid #D9D9D9 .25pt; mso-border-themecolor:background1;mso-border-themeshade:217;padding:3.75pt 3.75pt 3.75pt 3.75pt; height:97.7pt'> <p><b style='mso-bidi-font-weight:normal'><span style='font-size:10.0pt; font-family:"Verdana",sans-serif;color:#002060'>Data<o:p></o:p></span></b></p> <ul type=disc> <li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;mso-list:l3 level1 lfo3;tab-stops:list .5in'><span style='font-size:9.0pt;font-family:"Verdana",sans-serif;mso-fareast-font-family: "Times New Roman"'><a href="http://sraf.nd.edu/">Software Repository for Accounting and Finance</a> (<a href="http://sraf.nd.edu/">sraf.nd.edu</a>)<o:p></o:p></span></li> </ul> <p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;margin-left:1.0in;text-indent:-33.15pt;mso-list:l3 level2 lfo3; tab-stops:list 52.35pt 1.0in'><![if !supportLists]><span style='font-size:8.0pt;font-family:Symbol;mso-fareast-font-family:Symbol; mso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>-<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span style='font-size:8.0pt;font-family:"Verdana",sans-serif;mso-fareast-font-family: "Times New Roman"'>Sentiment Dictionaries<o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;margin-left:1.0in;text-indent:-33.15pt;mso-list:l3 level2 lfo3; tab-stops:list 52.35pt 1.0in'><![if !supportLists]><span style='font-size:8.0pt;font-family:Symbol;mso-fareast-font-family:Symbol; mso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>-<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span style='font-size:8.0pt;font-family:"Verdana",sans-serif;mso-fareast-font-family: "Times New Roman"'>Master Dictionary<o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;margin-left:1.0in;text-indent:-33.15pt;mso-list:l3 level2 lfo3; tab-stops:list 52.35pt 1.0in'><![if !supportLists]><span style='font-size:8.0pt;font-family:Symbol;mso-fareast-font-family:Symbol; mso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>-<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span style='font-size:8.0pt;font-family:"Verdana",sans-serif;mso-fareast-font-family: "Times New Roman"'>Data/Tools<o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;margin-left:1.0in;text-indent:-33.15pt;mso-list:l3 level2 lfo3; tab-stops:list 52.35pt 1.0in'><![if !supportLists]><span style='font-size:8.0pt;font-family:Symbol;mso-fareast-font-family:Symbol; mso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>-<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span style='font-size:8.0pt;font-family:"Verdana",sans-serif;mso-fareast-font-family: "Times New Roman"'>IPO Data/Word lists<o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;margin-left:1.0in;text-indent:-33.15pt;mso-list:l3 level2 lfo3; tab-stops:list 52.35pt 1.0in'><![if !supportLists]><span style='font-size:9.0pt;font-family:Symbol;mso-fareast-font-family:Symbol; mso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>-<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span style='font-size:8.0pt;font-family:"Verdana",sans-serif;mso-fareast-font-family: "Times New Roman"'>10-K Header Data</span><span style='font-size:9.0pt; font-family:"Verdana",sans-serif;mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;margin-left:1.0in;text-indent:-33.15pt;mso-list:l3 level2 lfo3; tab-stops:list 52.35pt 1.0in'><![if !supportLists]><span style='font-size:9.0pt;font-family:Symbol;mso-fareast-font-family:Symbol; mso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>-<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span style='font-size:8.0pt;font-family:"Verdana",sans-serif;mso-fareast-font-family: "Times New Roman"'>CRSP Flat File Software</span><span style='font-size: 9.0pt;font-family:"Verdana",sans-serif;mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <ul type=disc> <li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;mso-list:l3 level1 lfo3;tab-stops:list .5in'><span style='font-size:9.0pt;font-family:"Verdana",sans-serif;mso-fareast-font-family: "Times New Roman"'>Textual Analysis (<span class=SpellE>superceded</span> by <a href="http://aim.nd.edu/">sraf.nd.edu</a>)<o:p></o:p></span></li> <li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;mso-list:l3 level1 lfo3;tab-stops:list .5in'><span style='font-size:9.0pt;font-family:"Verdana",sans-serif;mso-fareast-font-family: "Times New Roman"'><a href="http://www.whatthefedsaid.com/"><span class=SpellE>WhatTheFedSaid</span></a><o:p></o:p></span></li> <li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;mso-list:l3 level1 lfo3;tab-stops:list .5in'><span style='font-size:9.0pt;font-family:"Verdana",sans-serif;mso-fareast-font-family: "Times New Roman"'><a href="https://sraf.nd.edu/data/augmented-10-x-header-data/">10-K Header Data w/ Latitude and Longitude</a><o:p></o:p></span></li> <li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;mso-list:l3 level1 lfo3;tab-stops:list .5in'><span style='font-size:9.0pt;font-family:"Verdana",sans-serif;mso-fareast-font-family: "Times New Roman"'><a href="http://www.nd.edu/~ethicsdb">ND Ethics Database</a></span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></li> <li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;mso-list:l3 level1 lfo3;tab-stops:list .5in'><span style='font-size:9.0pt;font-family:"Verdana",sans-serif;mso-fareast-font-family: "Times New Roman"'><a href="Weather_Data/SB_Weather.html">South Bend Weather</a></span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></li> </ul> </td> </tr> <tr style='mso-yfti-irow:2;height:124.95pt'> <td width=225 style='width:167.7pt;border:solid #D9D9D9 1.0pt;mso-border-themecolor: background1;mso-border-themeshade:217;mso-border-alt:solid #D9D9D9 .25pt; mso-border-themecolor:background1;mso-border-themeshade:217;padding:3.75pt 3.75pt 3.75pt 3.75pt; height:124.95pt'> <p class=MsoNormal><b style='mso-bidi-font-weight:normal'><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;mso-fareast-font-family: "Times New Roman";color:#002060'>Classes<o:p></o:p></span></b></p> <ul type=disc> <li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;mso-list:l3 level1 lfo3;tab-stops:list .5in'><span style='font-size:9.0pt;font-family:"Verdana",sans-serif;mso-fareast-font-family: "Times New Roman"'>Python for Finance (FIN 40260)<o:p></o:p></span></li> <li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;mso-list:l3 level1 lfo3;tab-stops:list .5in'><span style='font-size:9.0pt;font-family:"Verdana",sans-serif;mso-fareast-font-family: "Times New Roman"'>Investment Theory <u><span style='color:blue'><br> </span></u>(FIN 30600)<o:p></o:p></span></li> <li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;mso-list:l3 level1 lfo3;tab-stops:list .5in'><span style='font-size:9.0pt;font-family:"Verdana",sans-serif;mso-fareast-font-family: "Times New Roman"'><a href="http://aim.nd.edu/">Applied Investment Management (FIN 40640 &amp; FIN 70640)</a><o:p></o:p></span></li> <li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;mso-list:l3 level1 lfo3;tab-stops:list .5in'><span style='font-size:9.0pt;font-family:"Verdana",sans-serif;mso-fareast-font-family: "Times New Roman"'>Investments (MSF 60600)<o:p></o:p></span></li> <li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;mso-list:l3 level1 lfo3;tab-stops:list .5in'><span style='font-size:9.0pt;font-family:"Verdana",sans-serif;mso-fareast-font-family: "Times New Roman"'>Bitcoin (FIN 30610)<o:p></o:p></span></li> <li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;mso-list:l3 level1 lfo3;tab-stops:list .5in'><span style='font-size:9.0pt;font-family:"Verdana",sans-serif;mso-fareast-font-family: "Times New Roman"'>MBA Finance (FIN 60410)<o:p></o:p></span></li> <li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;mso-list:l3 level1 lfo3;tab-stops:list .5in'><span style='font-size:9.0pt;font-family:"Verdana",sans-serif;mso-fareast-font-family: "Times New Roman"'>MBA Investment Management (FIN 70600)</span><span style='font-size:10.0pt;mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></li> <li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;mso-list:l3 level1 lfo3;tab-stops:list .5in'><span style='font-size:9.0pt;font-family:"Verdana",sans-serif;mso-fareast-font-family: "Times New Roman"'>MBA Investment Principles (FIN 70690)</span><span style='font-size:10.0pt;mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></li> <li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;mso-list:l3 level1 lfo3;tab-stops:list .5in'><span style='font-size:9.0pt;font-family:"Verdana",sans-serif;mso-fareast-font-family: "Times New Roman"'>MSF Asset Management (MSF 70670)</span><span style='font-size:10.0pt;mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></li> <li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;mso-list:l3 level1 lfo3;tab-stops:list .5in'><span style='font-size:9.0pt;font-family:"Verdana",sans-serif;mso-fareast-font-family: "Times New Roman"'>Executive MBA</span><span style='font-size:10.0pt; mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></li> </ul> </td> </tr> <tr style='mso-yfti-irow:3;mso-yfti-lastrow:yes;height:124.95pt'> <td width=225 style='width:167.7pt;border:solid #D9D9D9 1.0pt;mso-border-themecolor: background1;mso-border-themeshade:217;mso-border-alt:solid #D9D9D9 .25pt; mso-border-themecolor:background1;mso-border-themeshade:217;padding:3.75pt 3.75pt 3.75pt 3.75pt; height:124.95pt'> <p class=MsoNormal><b style='mso-bidi-font-weight:normal'><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;mso-fareast-font-family: "Times New Roman";color:#002060'>Websites<o:p></o:p></span></b></p> <ul type=disc> <li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;mso-list:l3 level1 lfo3;tab-stops:list .5in'><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;mso-fareast-font-family: "Times New Roman";color:#002060'><a href="http://searchwww.sec.gov/EDGARFSClient/jsp/EDGAR_MainAccess.jsp">Edgar text search</a></span></li> <li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;mso-list:l3 level1 lfo3;tab-stops:list .5in'><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;mso-fareast-font-family: "Times New Roman";color:#002060'><a href="http://www.sec.gov/edgar/searchedgar/companysearch.html">Edgar company search</a></span></li> </ul> </td> </tr> </table> </div> </td> <td width="53%" colspan=2 valign=top style='width:53.04%;padding:1.45pt 3.0pt 1.45pt 3.0pt; height:57.25pt'> <p style='margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left: 7.1pt;margin-bottom:.0001pt'><span class=title><span style='font-size:10.0pt; font-family:"Verdana",sans-serif;color:#002060'>Bill McDonald</span></span><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#002060'><br> Professor of Finance<o:p></o:p></span></p> <p style='margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left: 7.1pt;margin-bottom:.0001pt'><span style='font-size:10.0pt;font-family: "Verdana",sans-serif;color:#002060'>Thomas A. and James J. <span class=SpellE>Bruder</span> Chair in Administrative Leadership<o:p></o:p></span></p> </td> <td width="21%" rowspan=6 style='width:21.26%;padding:1.45pt 3.0pt 1.45pt 3.0pt; height:57.25pt'> <p class=MsoNormal align=center style='text-align:center'><span style='mso-fareast-font-family:"Times New Roman";mso-no-proof:yes'><!--[if gte vml 1]><v:shape id="Picture_x0020_1" o:spid="_x0000_i1079" type="#_x0000_t75" style='width:124.5pt; height:166.5pt;visibility:visible;mso-wrap-style:square'> <v:imagedata src="index_files/image001.jpg" o:title=""/> </v:shape><![endif]--><![if !vml]><img border=0 width=166 height=222 src="index_files/image006.jpg" v:shapes="Picture_x0020_1"><![endif]></span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:2;height:.1in'> <td width="15%" valign=top style='width:15.42%;padding:1.45pt 3.0pt 1.45pt 3.0pt; height:.1in'> <p class=MsoNormal style='margin-left:.5in'><span style='font-size:9.0pt; font-family:"Verdana",sans-serif;mso-fareast-font-family:"Times New Roman"; color:#002060'>E Mail:<o:p></o:p></span></p> </td> <td width="37%" valign=top style='width:37.62%;padding:1.45pt 3.0pt 1.45pt 3.0pt; height:.1in'> <p class=MsoNormal><span style='font-size:9.0pt;font-family:"Verdana",sans-serif; mso-fareast-font-family:"Times New Roman"'><a href="mailto:mcdonald.1@nd.edu">mcdonald.1@nd.edu</a><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:3;height:.1in'> <td width="15%" valign=top style='width:15.42%;padding:1.45pt 3.0pt 1.45pt 3.0pt; height:.1in'> <p class=MsoNormal style='margin-left:.5in'><span style='font-size:9.0pt; font-family:"Verdana",sans-serif;mso-fareast-font-family:"Times New Roman"; color:#002060'>Address:<o:p></o:p></span></p> </td> <td width="37%" valign=top style='width:37.62%;padding:1.45pt 3.0pt 1.45pt 3.0pt; height:.1in'> <p class=MsoNormal><span style='font-size:9.0pt;font-family:"Verdana",sans-serif; mso-fareast-font-family:"Times New Roman";color:#002060'>335 Mendoza College of Business<o:p></o:p></span></p> <p class=MsoNormal><span style='font-size:9.0pt;font-family:"Verdana",sans-serif; mso-fareast-font-family:"Times New Roman";color:#002060'>University of Notre Dame<o:p></o:p></span></p> <p class=MsoNormal><span style='font-size:9.0pt;font-family:"Verdana",sans-serif; mso-fareast-font-family:"Times New Roman";color:#002060'>Notre Dame, IN<span style='mso-spacerun:yes'> </span>46556-5646</span><span style='font-size:9.0pt;font-family:"Verdana",sans-serif;mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:4;height:.1in'> <td width="15%" valign=top style='width:15.42%;padding:1.45pt 3.0pt 1.45pt 3.0pt; height:.1in'> <p class=MsoNormal style='margin-left:.5in'><span class=msonormal1><span style='font-size:9.0pt;font-family:"Verdana",sans-serif;mso-fareast-font-family: "Times New Roman";color:#002060'>Telephone: </span><span style='color:#002060'><o:p></o:p></span></span></p> </td> <td width="37%" valign=top style='width:37.62%;padding:1.45pt 3.0pt 1.45pt 3.0pt; height:.1in'> <p class=MsoNormal><span class=msonormal1><span style='font-size:9.0pt; font-family:"Verdana",sans-serif;mso-fareast-font-family:"Times New Roman"; color:#002060'>(574) 631 5137 </span></span><span class=msonormal1><span style='font-size:9.0pt;font-family:"Verdana",sans-serif;color:#002060'><o:p></o:p></span></span></p> </td> </tr> <tr style='mso-yfti-irow:5;height:.1in'> <td width="15%" valign=top style='width:15.42%;padding:1.45pt 3.0pt 1.45pt 3.0pt; height:.1in'> <p class=MsoNormal style='margin-left:.5in'><span class=msonormal1><span style='font-size:9.0pt;font-family:"Verdana",sans-serif;mso-fareast-font-family: "Times New Roman";color:#002060'>SSRN:</span></span><span class=msonormal1><span style='font-size:9.0pt;font-family:"Verdana",sans-serif;color:#002060'><o:p></o:p></span></span></p> </td> <td width="37%" valign=top style='width:37.62%;padding:1.45pt 3.0pt 1.45pt 3.0pt; height:.1in'> <p class=MsoNormal><span class=msonormal1><span style='font-size:8.0pt; font-family:"Verdana",sans-serif;mso-fareast-font-family:"Times New Roman"; color:#002060'><a href="http://ssrn.com/author=87979">http://ssrn.com/author=87979</a></span></span><span class=msonormal1><span style='font-size:8.0pt;font-family:"Verdana",sans-serif; color:#002060'><o:p></o:p></span></span></p> </td> </tr> <tr style='mso-yfti-irow:6;height:.2in'> <td width="15%" valign=top style='width:15.42%;padding:1.45pt 3.0pt 1.45pt 3.0pt; height:.2in'> <p class=MsoNormal style='margin-left:.5in'>&nbsp;</p> </td> <td width="37%" valign=top style='width:37.62%;padding:1.45pt 3.0pt 1.45pt 3.0pt; height:.2in'> <p class=MsoNormal>&nbsp;</p> </td> </tr> <tr style='mso-yfti-irow:7'> <td colspan=3 valign=top style='padding:1.45pt 3.0pt 1.45pt 3.0pt'> <p><span style='color:#002060'><o:p>&nbsp;</o:p></span></p> <p style='margin-left:7.1pt;text-align:justify'><span style='font-size: 10.0pt;font-family:"Verdana",sans-serif;color:#002060'>Bill McDonald has been at the University of Notre Dame since receiving his PhD from Arizona State University in 1979. He worked in a vice president position at the Schwab Center for Investment Research in San Francisco during the Internet boom/bust. At Schwab he developed online financial planning software, including a patented portfolio optimization package. He has consulted for major investment banks, brokerages, stock exchanges and served as an expert witness. <o:p></o:p></span></p> <p style='margin-left:7.1pt;text-align:justify'><span style='font-size: 10.0pt;font-family:"Verdana",sans-serif;color:#002060'>Professor McDonald s research is predominantly in capital markets and he has more than 40 publications spanning leading journals in finance, accounting, management science and economics.<span style='mso-spacerun:yes'> </span>His research has been cited in <i style='mso-bidi-font-style:normal'>The Wall Street Journal, The London Times, The New Yorker, Barron s, Quartz </i>and other popular press outlets.<span style='mso-spacerun:yes'> </span>The textual analysis technology he developed along with Tim Loughran for their recent <i style='mso-bidi-font-style:normal'>Journal of Finance </i>paper was licensed by Dow Jones and is used by many in the profession for parsing textual materials.<span style='mso-spacerun:yes'> </span><o:p></o:p></span></p> <p style='margin-left:7.1pt;text-align:justify'><span style='font-size: 10.0pt;font-family:"Verdana",sans-serif;color:#002060'>Teaching in the area of investments, McDonald received a <span class=SpellE>Kaneb</span> Teaching Award in both 1999 and 2003, and the Joyce Award for Excellence in Undergraduate teaching in 2015. The Applied Investment Management course he taught for more than a decade manages more than $10 million of Notre Dame s endowment.<span style='mso-spacerun:yes'> </span>More recently he designed and is teaching a course entitled Python for Finance. He currently serves concurrent appointments at Notre Dame as Professor of Finance and Faculty Information Technology Liaison, and is the Thomas A. and James J. <span class=SpellE>Bruder</span> Chair in Administrative Leadership.<o:p></o:p></span></p> <p><span style='color:#002060'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:8'> <td colspan=3 valign=top style='padding:1.45pt 3.0pt 1.45pt 3.0pt'> <table class=MsoNormalTable border=0 cellspacing=1 cellpadding=0 width="99%" style='width:99.0%;mso-cellspacing:.7pt;mso-yfti-tbllook:1184;mso-padding-alt: 0in 5.4pt 0in 5.4pt'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'> <td style='background:#EEEEEE;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal style='margin-left:5.65pt;text-indent:.5pt'><a name="Working_Papers"></a><span class=sectionheader><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;mso-fareast-font-family: "Times New Roman"'>Working Papers</span></span><span style='font-size: 10.0pt;font-family:"Verdana",sans-serif;mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:1'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoListParagraphCxSpFirst style='margin-left:39.0pt;mso-add-space: auto'><span style='font-size:8.0pt;font-family:"Verdana",sans-serif; mso-fareast-font-family:"Times New Roman"'><o:p>&nbsp;</o:p></span></p> <p class=MsoListParagraphCxSpLast style='margin-left:39.0pt;mso-add-space: auto'><span style='font-size:8.0pt;font-family:"Verdana",sans-serif; mso-fareast-font-family:"Times New Roman"'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Verdana",sans-serif; mso-fareast-font-family:"Times New Roman"'><o:p>&nbsp;</o:p></span></p> <p class=MsoListParagraphCxSpFirst style='margin-left:39.0pt;mso-add-space: auto;text-indent:-.25in;mso-list:l2 level1 lfo8'><![if !supportLists]><span style='font-size:8.0pt;font-family:Symbol;mso-fareast-font-family:Symbol; mso-bidi-font-family:Symbol'><span style='mso-list:Ignore'><span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span style='font-size:8.0pt;font-family: "Verdana",sans-serif;mso-fareast-font-family:"Times New Roman"'><a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3049000">Designing a Global Digital Currency</a>, with Ron <span class=SpellE>Balvers</span>.<br style='mso-special-character:line-break'> <![if !supportLineBreakNewLine]><br style='mso-special-character:line-break'> <![endif]><o:p></o:p></span></p> <p class=MsoListParagraphCxSpMiddle style='margin-left:39.0pt;mso-add-space: auto;text-indent:-.25in;mso-list:l2 level1 lfo8'><![if !supportLists]><span style='font-size:8.0pt;font-family:Symbol;mso-fareast-font-family:Symbol; mso-bidi-font-family:Symbol'><span style='mso-list:Ignore'><span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span style='font-size:8.0pt;font-family: "Verdana",sans-serif;mso-fareast-font-family:"Times New Roman"'><a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2905225">Using Annual Report Tone as a Proxy for Financial Distress in U.S. Banks</a>, with <span class=SpellE>Priyank</span> Gandhi and Bill McDonald.<br style='mso-special-character:line-break'> <![if !supportLineBreakNewLine]><br style='mso-special-character:line-break'> <![endif]><o:p></o:p></span></p> <p class=MsoListParagraphCxSpLast style='margin-left:39.0pt;mso-add-space: auto;text-indent:-.25in;mso-list:l2 level1 lfo8'><![if !supportLists]><span style='font-size:8.0pt;font-family:Symbol;mso-fareast-font-family:Symbol; mso-bidi-font-family:Symbol'><span style='mso-list:Ignore'><span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span style='font-size:8.0pt;font-family: "Verdana",sans-serif;mso-fareast-font-family:"Times New Roman"'><a href="http://ssrn.com/abstract=3074808">Assimilation of Oil News into Prices</a>, with Tim Loughran and <span class=SpellE>Ioannis</span> <span class=SpellE>Pragidis</span>.<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:2'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'>&nbsp;<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:3'> <td style='background:#EEEEEE;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal style='margin-left:5.65pt;text-indent:.5pt'><span class=sectionheader><span style='font-size:10.0pt;font-family:"Verdana",sans-serif; mso-fareast-font-family:"Times New Roman"'>Selected Publications</span></span><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:4'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoListParagraphCxSpFirst style='margin-left:39.0pt;mso-add-space: auto'><span style='font-size:8.0pt;font-family:"Verdana",sans-serif; mso-fareast-font-family:"Times New Roman"'><br style='mso-special-character: line-break'> <![if !supportLineBreakNewLine]><br style='mso-special-character:line-break'> <![endif]><o:p></o:p></span></p> <p class=MsoListParagraphCxSpMiddle style='margin-left:39.0pt;mso-add-space: auto;text-indent:-.25in;mso-list:l2 level1 lfo8'><![if !supportLists]><span style='font-size:8.0pt;font-family:Symbol;mso-fareast-font-family:Symbol; mso-bidi-font-family:Symbol'><span style='mso-list:Ignore'><span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span style='font-size:8.0pt;font-family: "Verdana",sans-serif;mso-fareast-font-family:"Times New Roman"'><a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2493941">The Use of EDGAR Filings by Investors</a>, with Tim Loughran, <i style='mso-bidi-font-style:normal'>Journal of Behavioral Finance</i>, Vol. 18:2, 2017, 231-248.<br style='mso-special-character:line-break'> <![if !supportLineBreakNewLine]><br style='mso-special-character:line-break'> <![endif]><o:p></o:p></span></p> <p class=MsoListParagraphCxSpMiddle style='margin-left:39.0pt;mso-add-space: auto;text-indent:-.25in;mso-list:l2 level1 lfo8'><![if !supportLists]><span style='font-size:8.0pt;font-family:Symbol;mso-fareast-font-family:Symbol; mso-bidi-font-family:Symbol'><span style='mso-list:Ignore'><span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span style='font-size:8.0pt;font-family: "Verdana",sans-serif;mso-fareast-font-family:"Times New Roman"'><a href="http://papers.ssrn.com/sol3/papers.cfm?abstract_id=2504147">Textual Analysis in Accounting and Finance:<span style='mso-spacerun:yes'> </span>A Survey</a>, with Tim Loughran, <i style='mso-bidi-font-style: normal'>Journal of Accounting Research</i>, 54:4, September 2016, 1187-1230.<br style='mso-special-character:line-break'> <![if !supportLineBreakNewLine]><br style='mso-special-character:line-break'> <![endif]><o:p></o:p></span></p> <p class=MsoListParagraphCxSpMiddle style='margin-left:39.0pt;mso-add-space: auto;text-indent:-.25in;mso-list:l2 level1 lfo8'><![if !supportLists]><span style='font-size:8.0pt;font-family:Symbol;mso-fareast-font-family:Symbol; mso-bidi-font-family:Symbol'><span style='mso-list:Ignore'><span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span style='font-size:8.0pt;font-family: "Verdana",sans-serif;mso-fareast-font-family:"Times New Roman"'><a href="http://papers.ssrn.com/sol3/papers.cfm?abstract_id=2331544">Using 10-K Text to Gauge Financial Constraints</a>, with Andriy Bodnaruk and Tim Loughran, <i style='mso-bidi-font-style:normal'>Journal of Financial and Quantitative Analysis</i>, 50:4, August. 2015, 1-24.<o:p></o:p></span></p> <p class=MsoListParagraphCxSpMiddle style='margin-left:39.0pt;mso-add-space: auto'><span style='font-size:8.0pt;font-family:"Verdana",sans-serif; mso-fareast-font-family:"Times New Roman"'><o:p>&nbsp;</o:p></span></p> <p class=MsoListParagraphCxSpMiddle style='margin-left:39.0pt;mso-add-space: auto;text-indent:-.25in;mso-list:l2 level1 lfo8'><![if !supportLists]><span style='font-size:8.0pt;font-family:Symbol;mso-fareast-font-family:Symbol; mso-bidi-font-family:Symbol'><span style='mso-list:Ignore'><span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span style='font-size:8.0pt;font-family: "Verdana",sans-serif;mso-fareast-font-family:"Times New Roman"'><a href="http://papers.ssrn.com/sol3/papers.cfm?abstract_id=2480766">Trust, but Verify:<span style='mso-spacerun:yes'> </span>MD&amp;A Language and the Role of Trust in Corporate Culture</a>, with Tim Loughran and Robert Audi, <i style='mso-bidi-font-style:normal'>Journal of Business Ethics</i>, 18:2, 2017, 1187-1230.<br style='mso-special-character:line-break'> <![if !supportLineBreakNewLine]><br style='mso-special-character:line-break'> <![endif]><o:p></o:p></span></p> <p class=MsoListParagraphCxSpMiddle style='margin-left:39.0pt;mso-add-space: auto;text-indent:-.25in;mso-list:l2 level1 lfo8'><![if !supportLists]><span style='font-size:8.0pt;font-family:Symbol;mso-fareast-font-family:Symbol; mso-bidi-font-family:Symbol'><span style='mso-list:Ignore'><span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span style='font-size:8.0pt;font-family: "Verdana",sans-serif;mso-fareast-font-family:"Times New Roman"'><a href="http://papers.ssrn.com/sol3/papers.cfm?abstract_id=2529633">Old Glass Ceilings are Hard to Break:<span style='mso-spacerun:yes'> </span>Gender Usage Trends in Annual Reports</a>, with Tim Loughran, <i style='mso-bidi-font-style:normal'>Studies in Communication Sciences</i>, 15, 2015, 5-11.<br style='mso-special-character:line-break'> <![if !supportLineBreakNewLine]><br style='mso-special-character:line-break'> <![endif]><o:p></o:p></span></p> <p class=MsoListParagraphCxSpMiddle style='margin-left:39.0pt;mso-add-space: auto;text-indent:-.25in;mso-list:l2 level1 lfo8'><![if !supportLists]><span style='font-size:8.0pt;font-family:Symbol;mso-fareast-font-family:Symbol; mso-bidi-font-family:Symbol'><span style='mso-list:Ignore'><span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span style='font-size:8.0pt;font-family: "Verdana",sans-serif;mso-fareast-font-family:"Times New Roman"'><a href="http://papers.ssrn.com/sol3/papers.cfm?abstract_id=2576803">Financial Disclosure and Customer Satisfaction:<span style='mso-spacerun:yes'> </span>Do Companies Talking the Talk Actually Walk the Walk?</a>, with Ron <span class=SpellE>Balvers</span> and John <span class=SpellE>Gaski</span>, <i style='mso-bidi-font-style:normal'>Journal of Business Ethics</i>, 139:1, November 2016.<o:p></o:p></span></p> <p class=MsoListParagraphCxSpMiddle style='margin-left:39.0pt;mso-add-space: auto'><span style='font-size:8.0pt;font-family:"Verdana",sans-serif; mso-fareast-font-family:"Times New Roman"'><o:p>&nbsp;</o:p></span></p> <p class=MsoListParagraphCxSpMiddle style='margin-left:39.0pt;mso-add-space: auto;text-indent:-.25in;mso-list:l2 level1 lfo8'><![if !supportLists]><span style='font-size:8.0pt;font-family:Symbol;mso-fareast-font-family:Symbol; mso-bidi-font-family:Symbol'><span style='mso-list:Ignore'><span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span style='font-size:8.0pt;font-family: "Verdana",sans-serif;mso-fareast-font-family:"Times New Roman"'><a href="http://papers.ssrn.com/sol3/papers.cfm?abstract_id=2467519">The Use of Word Lists in Textual Analysis</a>, with Tim Loughran, <i style='mso-bidi-font-style:normal'>Journal of Behavioral Finance</i>, 16:1, Jan-Mar 2015, 1-11.<br style='mso-special-character:line-break'> <![if !supportLineBreakNewLine]><br style='mso-special-character:line-break'> <![endif]><o:p></o:p></span></p> <p class=MsoListParagraphCxSpMiddle style='margin-left:39.0pt;mso-add-space: auto;text-indent:-.25in;mso-list:l2 level1 lfo8'><![if !supportLists]><span style='font-size:8.0pt;font-family:Symbol;mso-fareast-font-family:Symbol; mso-bidi-font-family:Symbol'><span style='mso-list:Ignore'><span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span style='font-size:8.0pt;font-family: "Verdana",sans-serif;mso-fareast-font-family:"Times New Roman"'><a href="http://papers.ssrn.com/sol3/papers.cfm?abstract_id=1920411">Measuring Readability in Financial Disclosures</a>, with Tim Loughran, <i style='mso-bidi-font-style:normal'>Journal of Finance</i>, 69:4, August 2014, 1643-1671.<br style='mso-special-character:line-break'> <![if !supportLineBreakNewLine]><br style='mso-special-character:line-break'> <![endif]><o:p></o:p></span></p> <p class=MsoListParagraphCxSpMiddle style='margin-left:39.0pt;mso-add-space: auto;text-indent:-.25in;mso-list:l2 level1 lfo8'><![if !supportLists]><span style='font-size:8.0pt;font-family:Symbol;mso-fareast-font-family:Symbol; mso-bidi-font-family:Symbol'><span style='mso-list:Ignore'><span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span style='font-size:8.0pt;font-family: "Verdana",sans-serif;mso-fareast-font-family:"Times New Roman"'><a href="http://ssrn.com/abstract=1131643">Regulation and Financial Disclosure:<span style='mso-spacerun:yes'> </span>The Impact of Plain English</a>, with Tim Loughran, <i style='mso-bidi-font-style:normal'>Journal of Regulatory Economics</i>, 45:1, 2014, 94-113<i style='mso-bidi-font-style: normal'>.</i><br style='mso-special-character:line-break'> <![if !supportLineBreakNewLine]><br style='mso-special-character:line-break'> <![endif]><o:p></o:p></span></p> <p class=MsoListParagraphCxSpMiddle style='margin-left:39.0pt;mso-add-space: auto;text-indent:-.25in;mso-list:l2 level1 lfo8'><![if !supportLists]><span style='font-size:8.0pt;font-family:Symbol;mso-fareast-font-family:Symbol; mso-bidi-font-family:Symbol'><span style='mso-list:Ignore'><span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span style='font-size:8.0pt;font-family: "Verdana",sans-serif;mso-fareast-font-family:"Times New Roman"'><a href="http://ssrn.com/abstract=2128766">IPO First-Day Returns, Offer Price Revisions, Volatility, and Form S-1 Language</a>, with Tim Loughran, <i style='mso-bidi-font-style:normal'>Journal of Financial </i>Economics, 109:2, 2013, 307-326.<br style='mso-special-character:line-break'> <![if !supportLineBreakNewLine]><br style='mso-special-character:line-break'> <![endif]><o:p></o:p></span></p> <p class=MsoListParagraphCxSpMiddle style='margin-left:39.0pt;mso-add-space: auto;text-indent:-.25in;mso-list:l2 level1 lfo8'><![if !supportLists]><span style='font-size:8.0pt;font-family:Symbol;mso-fareast-font-family:Symbol; mso-bidi-font-family:Symbol'><span style='mso-list:Ignore'><span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span style='font-size:8.0pt;font-family: "Verdana",sans-serif;mso-fareast-font-family:"Times New Roman"'><a href="http://papers.ssrn.com/sol3/papers.cfm?abstract_id=1331573">When is a Liability not a Liability? Textual Analysis, Dictionaries, and 10-Ks</a>, with Tim Loughran, <i style='mso-bidi-font-style:normal'>Journal of Finance, </i>66:1, February 2011, 67-97.<br style='mso-special-character: line-break'> <![if !supportLineBreakNewLine]><br style='mso-special-character:line-break'> <![endif]><o:p></o:p></span></p> <p class=MsoListParagraphCxSpMiddle style='margin-left:39.0pt;mso-add-space: auto;text-indent:-.25in;mso-list:l2 level1 lfo8'><![if !supportLists]><span style='font-size:8.0pt;font-family:Symbol;mso-fareast-font-family:Symbol; mso-bidi-font-family:Symbol'><span style='mso-list:Ignore'><span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span style='font-size:8.0pt;font-family: "Verdana",sans-serif;mso-fareast-font-family:"Times New Roman"'><a href="http://papers.ssrn.com/sol3/papers.cfm?abstract_id=1510188">Barron s Red Flags:<span style='mso-spacerun:yes'> </span>Do They Actually Work?</a>, with Tim Loughran, <i style='mso-bidi-font-style:normal'>Journal of Behavioral Finance</i>, 12:2, 2011, 90-97.<br style='mso-special-character: line-break'> <![if !supportLineBreakNewLine]><br style='mso-special-character:line-break'> <![endif]><o:p></o:p></span></p> <p class=MsoListParagraphCxSpMiddle style='margin-left:39.0pt;mso-add-space: auto;text-indent:-.25in;mso-list:l2 level1 lfo8'><![if !supportLists]><span style='font-size:8.0pt;font-family:Symbol;mso-fareast-font-family:Symbol; mso-bidi-font-family:Symbol'><span style='mso-list:Ignore'><span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span style='font-size:8.0pt;font-family: "Verdana",sans-serif;mso-fareast-font-family:"Times New Roman"'><a href="http://papers.ssrn.com/sol3/papers.cfm?abstract_id=1251482">Commonality in Codes of Ethics</a>, with Margaret Forster and Tim Loughran, <i style='mso-bidi-font-style:normal'>Journal of Business Ethics</i>, 90, 2009, 129-139.<br style='mso-special-character:line-break'> <![if !supportLineBreakNewLine]><br style='mso-special-character:line-break'> <![endif]><o:p></o:p></span></p> <p class=MsoListParagraphCxSpMiddle style='margin-left:39.0pt;mso-add-space: auto;text-indent:-.25in;mso-list:l2 level1 lfo8'><![if !supportLists]><span style='font-size:8.0pt;font-family:Symbol;mso-fareast-font-family:Symbol; mso-bidi-font-family:Symbol'><span style='mso-list:Ignore'><span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span style='font-size:8.0pt;font-family: "Verdana",sans-serif'><a href="http://papers.ssrn.com/sol3/papers.cfm?abstract_id=1007727">A Wolf in Sheep's Clothing: The Use of Ethics-Related Terms in 10-K Reports</a>, with Timothy J Loughran, Hayong Yun, <i>Journal of Business Ethics</i>, 89, 2009, 39-49.<br style='mso-special-character:line-break'> <![if !supportLineBreakNewLine]><br style='mso-special-character:line-break'> <![endif]></span><span style='font-size:8.0pt;font-family:"Verdana",sans-serif; mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <p class=MsoListParagraphCxSpMiddle style='margin-left:39.0pt;mso-add-space: auto;text-indent:-.25in;mso-list:l2 level1 lfo8'><![if !supportLists]><span style='font-size:8.0pt;font-family:Symbol;mso-fareast-font-family:Symbol; mso-bidi-font-family:Symbol'><span style='mso-list:Ignore'><span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span style='font-size:8.0pt;font-family: "Verdana",sans-serif'><a href="Papers/JME_FEB_1998.pdf">What's Different Among Banks?</a>, with Thomas F. Cosimano, <i>Journal of Monetary Economics</i>, 41, 1998, 57-70.<br style='mso-special-character:line-break'> <![if !supportLineBreakNewLine]><br style='mso-special-character:line-break'> <![endif]></span><span style='font-size:8.0pt;font-family:"Verdana",sans-serif; mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <p class=MsoListParagraphCxSpMiddle style='margin-left:39.0pt;mso-add-space: auto;text-indent:-.25in;mso-list:l2 level1 lfo8'><![if !supportLists]><span style='font-size:8.0pt;font-family:Symbol;mso-fareast-font-family:Symbol; mso-bidi-font-family:Symbol'><span style='mso-list:Ignore'><span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span style='font-size:8.0pt;font-family: "Verdana",sans-serif'><a href="Papers/JFQA_JUN_1990.pdf">Multivariate Tests of Asset Pricing: The Comparative Power of Alternative Statistics</a>, (with John Affleck-Graves), <i>Journal of Financial and Quantitative Analysis</i>, 25, 1990, 163-185.<br style='mso-special-character:line-break'> <![if !supportLineBreakNewLine]><br style='mso-special-character:line-break'> <![endif]></span><span style='font-size:8.0pt;font-family:"Verdana",sans-serif; mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <p class=MsoListParagraphCxSpMiddle style='margin-left:39.0pt;mso-add-space: auto;text-indent:-.25in;mso-list:l2 level1 lfo8'><![if !supportLists]><span style='font-size:8.0pt;font-family:Symbol;mso-fareast-font-family:Symbol; mso-bidi-font-family:Symbol'><span style='mso-list:Ignore'><span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span style='font-size:8.0pt;font-family: "Verdana",sans-serif'><a href="Papers/JF_SEP_1990.pdf">Predicting Stock Returns in an Efficient Market</a>, with Ronald J. Balvers, Thomas F. Cosimano, <i>Journal of Finance</i>, 45, 1990, 1109-1128.<br style='mso-special-character:line-break'> <![if !supportLineBreakNewLine]><br style='mso-special-character:line-break'> <![endif]></span><span style='font-size:8.0pt;font-family:"Verdana",sans-serif; mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <p class=MsoListParagraphCxSpMiddle style='margin-left:39.0pt;mso-add-space: auto;text-indent:-.25in;mso-list:l2 level1 lfo8'><![if !supportLists]><span style='font-size:8.0pt;font-family:Symbol;mso-fareast-font-family:Symbol; mso-bidi-font-family:Symbol'><span style='mso-list:Ignore'><span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span style='font-size:8.0pt;font-family: "Verdana",sans-serif'><a href="Papers/JF_SEP_1989.pdf"><span class=SpellE>Nonnormalities</span> and Tests of Asset Pricing Theories</a>, with John Affleck-Graves, <i style='mso-bidi-font-style:normal'>Journal of Finance,</i> 44, 1989, 889-908.<br style='mso-special-character:line-break'> <![if !supportLineBreakNewLine]><br style='mso-special-character:line-break'> <![endif]></span><span style='font-size:8.0pt;font-family:"Verdana",sans-serif; mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <p class=MsoListParagraphCxSpMiddle style='margin-left:39.0pt;mso-add-space: auto;text-indent:-.25in;mso-list:l2 level1 lfo8'><![if !supportLists]><span style='font-size:8.0pt;font-family:Symbol;mso-fareast-font-family:Symbol; mso-bidi-font-family:Symbol'><span style='mso-list:Ignore'><span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span style='font-size:8.0pt;font-family: "Verdana",sans-serif'><a href="Papers/AR_OCT_1988.pdf">Underpricing of New Issues and the Choice of Auditor as a Signal of Investment Banker Reputation</a>, with Ronald J. Balvers and Robert E. Miller, <span class=GramE><i style='mso-bidi-font-style:normal'>The</i></span><i style='mso-bidi-font-style:normal'> Accounting Review</i>, 63, 1988, 605-622.<br style='mso-special-character:line-break'> <![if !supportLineBreakNewLine]><br style='mso-special-character:line-break'> <![endif]></span><span style='font-size:8.0pt;font-family:"Verdana",sans-serif; mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <p class=MsoListParagraphCxSpMiddle style='margin-left:39.0pt;mso-add-space: auto;text-indent:-.25in;mso-list:l2 level1 lfo8'><![if !supportLists]><span style='font-size:8.0pt;font-family:Symbol;mso-fareast-font-family:Symbol; mso-bidi-font-family:Symbol'><span style='mso-list:Ignore'><span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span style='font-size:8.0pt;font-family: "Verdana",sans-serif'><a href="Papers/JFQA_DEC_1987.pdf">Event Studies and Systems Methods: Some Additional Evidence</a>, <i style='mso-bidi-font-style: normal'>Journal of Financial and Quantitative Analysis</i>, 22, 1987, 494-504.<br style='mso-special-character:line-break'> <![if !supportLineBreakNewLine]><br style='mso-special-character:line-break'> <![endif]></span><span style='font-size:8.0pt;font-family:"Verdana",sans-serif; mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <p class=MsoListParagraphCxSpMiddle style='margin-left:39.0pt;mso-add-space: auto;text-indent:-.25in;mso-list:l2 level1 lfo8'><![if !supportLists]><span style='font-size:8.0pt;font-family:Symbol;mso-fareast-font-family:Symbol; mso-bidi-font-family:Symbol'><span style='mso-list:Ignore'><span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span style='font-size:8.0pt;font-family: "Verdana",sans-serif'><a href="Papers/JMCB_NOV_1986.pdf">A Reexamination of Economics of Scale in Banking Using a Generalized Functional Form</a>, with Bernard J. <span class=SpellE>Kilbride</span> and Robert E. Miller, <i style='mso-bidi-font-style:normal'>Journal of Money, Credit and Banking</i>, 18, 1986, 519-526.<br style='mso-special-character:line-break'> <![if !supportLineBreakNewLine]><br style='mso-special-character:line-break'> <![endif]></span><span style='font-size:8.0pt;font-family:"Verdana",sans-serif; mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <p class=MsoListParagraphCxSpMiddle style='margin-left:39.0pt;mso-add-space: auto;text-indent:-.25in;mso-list:l2 level1 lfo8'><![if !supportLists]><span style='font-size:8.0pt;font-family:Symbol;mso-fareast-font-family:Symbol; mso-bidi-font-family:Symbol'><span style='mso-list:Ignore'><span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span style='font-size:8.0pt;font-family: "Verdana",sans-serif'><a href="Papers/MGT_SCI_Nov_1985.pdf">Estimating Market Model Betas:<span style='mso-spacerun:yes'> </span>A Comparison of Random Coefficient Methods and Their Ability to Correctly Identify Random Variation</a>, <i style='mso-bidi-font-style:normal'>Management Science</i>, 31, 1985, 1403-1408.</span><span style='font-size:8.0pt; font-family:"Verdana",sans-serif;mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <p class=MsoListParagraphCxSpLast style='margin-left:39.0pt;mso-add-space: auto'><span style='font-size:8.0pt;font-family:"Verdana",sans-serif; mso-fareast-font-family:"Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:5;mso-yfti-lastrow:yes'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'><span style='mso-spacerun:yes'></span><o:p></o:p></span></p> </td> </tr> </table> </td> </tr> <tr style='mso-yfti-irow:9;mso-yfti-lastrow:yes'> <td colspan=4 valign=top style='padding:1.45pt 3.0pt 1.45pt 3.0pt'> <p class=MsoNormal align=right style='text-align:right'><span style='font-size:7.5pt;mso-fareast-font-family:"Times New Roman"'> 2017 University of Notre Dame</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> </td> </tr> </table> </td> </tr> </table> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'><script language="javascript1.2" type="text/javascript" src="js/menu.js"> </script><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'><script type="text/javascript"> var gaJsHost = (("https:" == document.location.protocol) ? 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