These papers may be accessed in Portable Data Format (PDF) or in some cases in HTML. The papers presented on this home page are mainly prepublication drafts, working papers, or updated reports on material previously published. These papers should not be cited, reproduced, or redistributed without the express permission of Professor Wachter. Please be strict about observing copyright provisions. The appropriate way to give other people access to these materials is to provide them the URL of this home page. Comments and suggestions via post or e-mail would be much appreciated.