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High‐Cost Credit and Consumption Smoothing. This paper had been previously circulated as “For Better and for even worse? Results of Usage Of High‐Cost Credit Rating.”

High‐Cost Credit and Consumption Smoothing. This paper had been previously circulated as “For Better and for even worse? Results of Usage Of High‐Cost Credit Rating.” We thank the editor, Robert DeYoung, an referee that is anonymous Todd Gormley, Mark Jenkins,…