發送短信 : Three essays on financial economics

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| |  | ||   / _ \\   /_   _//  \ \\/ // | \  / || 
| |/\| ||  | / \ ||  `-| |,-    \ ` //  |  \/  || 
|  /\  ||  | \_/ ||    | ||      | ||   | .  . || 
|_// \_||   \___//     |_||      |_||   |_|\/|_|| 
`-`   `-`   `---`      `-`'      `-`'   `-`  `-`