div class=ts-pagebuttonPage 1button div class=ts-image amp-img class=ts-thumb alt=Page 1: mpc18 - Yale Universityshillerbehfin2006-04baker-nagelpdf · e literature documentmg that consumers have a relatively high Drooensitv to consume moderatelv-sized cash windfalls src=https:reader036vdocumentinreader036viewer202207140460f7e9acdcb2d579f9593aadhtml5thumbnails1jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 2button div class=ts-image amp-img class=ts-thumb alt=Page 2: mpc18 - Yale Universityshillerbehfin2006-04baker-nagelpdf · e literature documentmg that consumers have a relatively high Drooensitv to consume moderatelv-sized cash windfalls src=https:reader036vdocumentinreader036viewer202207140460f7e9acdcb2d579f9593aadhtml5thumbnails2jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 3button div class=ts-image amp-img class=ts-thumb alt=Page 3: mpc18 - Yale Universityshillerbehfin2006-04baker-nagelpdf · e literature documentmg that consumers have a relatively high Drooensitv to consume moderatelv-sized cash windfalls src=https:reader036vdocumentinreader036viewer202207140460f7e9acdcb2d579f9593aadhtml5thumbnails3jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 4button div class=ts-image amp-img class=ts-thumb alt=Page 4: mpc18 - Yale Universityshillerbehfin2006-04baker-nagelpdf · e literature documentmg that consumers have a relatively high Drooensitv to consume moderatelv-sized cash windfalls src=https:reader036vdocumentinreader036viewer202207140460f7e9acdcb2d579f9593aadhtml5thumbnails4jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 5button div class=ts-image amp-img class=ts-thumb alt=Page 5: mpc18 - Yale Universityshillerbehfin2006-04baker-nagelpdf · e literature documentmg that consumers have a relatively high Drooensitv to consume moderatelv-sized cash windfalls src=https:reader036vdocumentinreader036viewer202207140460f7e9acdcb2d579f9593aadhtml5thumbnails5jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 6button div class=ts-image amp-img class=ts-thumb alt=Page 6: mpc18 - Yale Universityshillerbehfin2006-04baker-nagelpdf · e literature documentmg that consumers have a relatively high Drooensitv to consume moderatelv-sized cash windfalls src=https:reader036vdocumentinreader036viewer202207140460f7e9acdcb2d579f9593aadhtml5thumbnails6jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 7button div class=ts-image amp-img class=ts-thumb alt=Page 7: mpc18 - Yale Universityshillerbehfin2006-04baker-nagelpdf · e literature documentmg that consumers have a relatively high Drooensitv to consume moderatelv-sized cash windfalls src=https:reader036vdocumentinreader036viewer202207140460f7e9acdcb2d579f9593aadhtml5thumbnails7jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 8button div class=ts-image amp-img class=ts-thumb alt=Page 8: mpc18 - Yale Universityshillerbehfin2006-04baker-nagelpdf · e literature documentmg that consumers have a relatively high Drooensitv to consume moderatelv-sized cash windfalls src=https:reader036vdocumentinreader036viewer202207140460f7e9acdcb2d579f9593aadhtml5thumbnails8jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 9button div class=ts-image amp-img class=ts-thumb alt=Page 9: mpc18 - Yale Universityshillerbehfin2006-04baker-nagelpdf · e literature documentmg that consumers have a relatively high Drooensitv to consume moderatelv-sized cash windfalls src=https:reader036vdocumentinreader036viewer202207140460f7e9acdcb2d579f9593aadhtml5thumbnails9jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 10button div class=ts-image amp-img class=ts-thumb alt=Page 10: mpc18 - Yale Universityshillerbehfin2006-04baker-nagelpdf · e literature documentmg that consumers have a relatively high Drooensitv to consume moderatelv-sized cash windfalls src=https:reader036vdocumentinreader036viewer202207140460f7e9acdcb2d579f9593aadhtml5thumbnails10jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 11button div class=ts-image amp-img class=ts-thumb alt=Page 11: mpc18 - Yale Universityshillerbehfin2006-04baker-nagelpdf · e literature documentmg that consumers have a relatively high Drooensitv to consume moderatelv-sized cash windfalls src=https:reader036vdocumentinreader036viewer202207140460f7e9acdcb2d579f9593aadhtml5thumbnails11jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 12button div class=ts-image amp-img class=ts-thumb alt=Page 12: mpc18 - Yale Universityshillerbehfin2006-04baker-nagelpdf · e literature documentmg that consumers have a relatively high Drooensitv to consume moderatelv-sized cash windfalls src=https:reader036vdocumentinreader036viewer202207140460f7e9acdcb2d579f9593aadhtml5thumbnails12jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 13button div class=ts-image amp-img class=ts-thumb alt=Page 13: mpc18 - Yale Universityshillerbehfin2006-04baker-nagelpdf · e literature documentmg that consumers have a relatively high Drooensitv to consume moderatelv-sized cash windfalls src=https:reader036vdocumentinreader036viewer202207140460f7e9acdcb2d579f9593aadhtml5thumbnails13jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 14button div class=ts-image amp-img class=ts-thumb alt=Page 14: mpc18 - Yale Universityshillerbehfin2006-04baker-nagelpdf · e literature documentmg that consumers have a relatively high Drooensitv to consume moderatelv-sized cash windfalls src=https:reader036vdocumentinreader036viewer202207140460f7e9acdcb2d579f9593aadhtml5thumbnails14jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 15button div class=ts-image amp-img class=ts-thumb alt=Page 15: mpc18 - Yale Universityshillerbehfin2006-04baker-nagelpdf · e literature documentmg that consumers have a relatively high Drooensitv to consume moderatelv-sized cash windfalls src=https:reader036vdocumentinreader036viewer202207140460f7e9acdcb2d579f9593aadhtml5thumbnails15jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 16button div class=ts-image amp-img class=ts-thumb alt=Page 16: mpc18 - Yale Universityshillerbehfin2006-04baker-nagelpdf · e literature documentmg that consumers have a relatively high Drooensitv to consume moderatelv-sized cash windfalls src=https:reader036vdocumentinreader036viewer202207140460f7e9acdcb2d579f9593aadhtml5thumbnails16jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 17button div class=ts-image amp-img class=ts-thumb alt=Page 17: mpc18 - Yale Universityshillerbehfin2006-04baker-nagelpdf · e literature documentmg that consumers have a relatively high Drooensitv to consume moderatelv-sized cash windfalls src=https:reader036vdocumentinreader036viewer202207140460f7e9acdcb2d579f9593aadhtml5thumbnails17jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 18button div class=ts-image amp-img class=ts-thumb alt=Page 18: mpc18 - Yale Universityshillerbehfin2006-04baker-nagelpdf · e literature documentmg that consumers have a relatively high Drooensitv to consume moderatelv-sized cash windfalls src=https:reader036vdocumentinreader036viewer202207140460f7e9acdcb2d579f9593aadhtml5thumbnails18jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 19button div class=ts-image amp-img class=ts-thumb alt=Page 19: mpc18 - Yale Universityshillerbehfin2006-04baker-nagelpdf · e literature documentmg that consumers have a relatively high Drooensitv to consume moderatelv-sized cash windfalls src=https:reader036vdocumentinreader036viewer202207140460f7e9acdcb2d579f9593aadhtml5thumbnails19jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 20button div class=ts-image amp-img class=ts-thumb alt=Page 20: mpc18 - Yale Universityshillerbehfin2006-04baker-nagelpdf · e literature documentmg that consumers have a relatively high Drooensitv to consume moderatelv-sized cash windfalls src=https:reader036vdocumentinreader036viewer202207140460f7e9acdcb2d579f9593aadhtml5thumbnails20jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 21button div class=ts-image amp-img class=ts-thumb alt=Page 21: mpc18 - Yale Universityshillerbehfin2006-04baker-nagelpdf · e literature documentmg that consumers have a relatively high Drooensitv to consume moderatelv-sized cash windfalls src=https:reader036vdocumentinreader036viewer202207140460f7e9acdcb2d579f9593aadhtml5thumbnails21jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 22button div class=ts-image amp-img class=ts-thumb alt=Page 22: mpc18 - Yale Universityshillerbehfin2006-04baker-nagelpdf · e literature documentmg that consumers have a relatively high Drooensitv to consume moderatelv-sized cash windfalls src=https:reader036vdocumentinreader036viewer202207140460f7e9acdcb2d579f9593aadhtml5thumbnails22jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 23button div class=ts-image amp-img class=ts-thumb alt=Page 23: mpc18 - Yale Universityshillerbehfin2006-04baker-nagelpdf · e literature documentmg that consumers have a relatively high Drooensitv to consume moderatelv-sized cash windfalls src=https:reader036vdocumentinreader036viewer202207140460f7e9acdcb2d579f9593aadhtml5thumbnails23jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 24button div class=ts-image amp-img class=ts-thumb alt=Page 24: mpc18 - Yale Universityshillerbehfin2006-04baker-nagelpdf · e literature documentmg that consumers have a relatively high Drooensitv to consume moderatelv-sized cash windfalls src=https:reader036vdocumentinreader036viewer202207140460f7e9acdcb2d579f9593aadhtml5thumbnails24jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 25button div class=ts-image amp-img class=ts-thumb alt=Page 25: mpc18 - Yale Universityshillerbehfin2006-04baker-nagelpdf · e literature documentmg that consumers have a relatively high Drooensitv to consume moderatelv-sized cash windfalls src=https:reader036vdocumentinreader036viewer202207140460f7e9acdcb2d579f9593aadhtml5thumbnails25jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 26button div class=ts-image amp-img class=ts-thumb alt=Page 26: mpc18 - Yale Universityshillerbehfin2006-04baker-nagelpdf · e literature documentmg that consumers have a relatively high Drooensitv to consume moderatelv-sized cash windfalls src=https:reader036vdocumentinreader036viewer202207140460f7e9acdcb2d579f9593aadhtml5thumbnails26jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 27button div class=ts-image amp-img class=ts-thumb alt=Page 27: mpc18 - Yale Universityshillerbehfin2006-04baker-nagelpdf · e literature documentmg that consumers have a relatively high Drooensitv to consume moderatelv-sized cash windfalls src=https:reader036vdocumentinreader036viewer202207140460f7e9acdcb2d579f9593aadhtml5thumbnails27jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 28button div class=ts-image amp-img class=ts-thumb alt=Page 28: mpc18 - Yale Universityshillerbehfin2006-04baker-nagelpdf · e literature documentmg that consumers have a relatively high Drooensitv to consume moderatelv-sized cash windfalls src=https:reader036vdocumentinreader036viewer202207140460f7e9acdcb2d579f9593aadhtml5thumbnails28jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 29button div class=ts-image amp-img class=ts-thumb alt=Page 29: mpc18 - Yale Universityshillerbehfin2006-04baker-nagelpdf · e literature documentmg that consumers have a relatively high Drooensitv to consume moderatelv-sized cash windfalls src=https:reader036vdocumentinreader036viewer202207140460f7e9acdcb2d579f9593aadhtml5thumbnails29jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 30button div class=ts-image amp-img class=ts-thumb alt=Page 30: mpc18 - Yale Universityshillerbehfin2006-04baker-nagelpdf · e literature documentmg that consumers have a relatively high Drooensitv to consume moderatelv-sized cash windfalls src=https:reader036vdocumentinreader036viewer202207140460f7e9acdcb2d579f9593aadhtml5thumbnails30jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 31button div class=ts-image amp-img class=ts-thumb alt=Page 31: mpc18 - Yale Universityshillerbehfin2006-04baker-nagelpdf · e literature documentmg that consumers have a relatively high Drooensitv to consume moderatelv-sized cash windfalls src=https:reader036vdocumentinreader036viewer202207140460f7e9acdcb2d579f9593aadhtml5thumbnails31jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 32button div class=ts-image amp-img class=ts-thumb alt=Page 32: mpc18 - Yale Universityshillerbehfin2006-04baker-nagelpdf · e literature documentmg that consumers have a relatively high Drooensitv to consume moderatelv-sized cash windfalls src=https:reader036vdocumentinreader036viewer202207140460f7e9acdcb2d579f9593aadhtml5thumbnails32jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 33button div class=ts-image amp-img class=ts-thumb alt=Page 33: mpc18 - Yale Universityshillerbehfin2006-04baker-nagelpdf · e literature documentmg that consumers have a relatively high Drooensitv to consume moderatelv-sized cash windfalls src=https:reader036vdocumentinreader036viewer202207140460f7e9acdcb2d579f9593aadhtml5thumbnails33jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 34button div class=ts-image amp-img class=ts-thumb alt=Page 34: mpc18 - Yale Universityshillerbehfin2006-04baker-nagelpdf · e literature documentmg that consumers have a relatively high Drooensitv to consume moderatelv-sized cash windfalls src=https:reader036vdocumentinreader036viewer202207140460f7e9acdcb2d579f9593aadhtml5thumbnails34jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 35button div class=ts-image amp-img class=ts-thumb alt=Page 35: mpc18 - Yale Universityshillerbehfin2006-04baker-nagelpdf · e literature documentmg that consumers have a relatively high Drooensitv to consume moderatelv-sized cash windfalls src=https:reader036vdocumentinreader036viewer202207140460f7e9acdcb2d579f9593aadhtml5thumbnails35jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 36button div class=ts-image amp-img class=ts-thumb alt=Page 36: mpc18 - Yale Universityshillerbehfin2006-04baker-nagelpdf · e literature documentmg that consumers have a relatively high Drooensitv to consume moderatelv-sized cash windfalls src=https:reader036vdocumentinreader036viewer202207140460f7e9acdcb2d579f9593aadhtml5thumbnails36jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 37button div class=ts-image amp-img class=ts-thumb alt=Page 37: mpc18 - Yale Universityshillerbehfin2006-04baker-nagelpdf · e literature documentmg that consumers have a relatively high Drooensitv to consume moderatelv-sized cash windfalls src=https:reader036vdocumentinreader036viewer202207140460f7e9acdcb2d579f9593aadhtml5thumbnails37jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 38button div class=ts-image amp-img class=ts-thumb alt=Page 38: mpc18 - Yale Universityshillerbehfin2006-04baker-nagelpdf · e literature documentmg that consumers have a relatively high Drooensitv to consume moderatelv-sized cash windfalls src=https:reader036vdocumentinreader036viewer202207140460f7e9acdcb2d579f9593aadhtml5thumbnails38jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 39button div class=ts-image amp-img class=ts-thumb alt=Page 39: mpc18 - Yale Universityshillerbehfin2006-04baker-nagelpdf · e literature documentmg that consumers have a relatively high Drooensitv to consume moderatelv-sized cash windfalls src=https:reader036vdocumentinreader036viewer202207140460f7e9acdcb2d579f9593aadhtml5thumbnails39jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 40button div class=ts-image amp-img class=ts-thumb alt=Page 40: mpc18 - Yale Universityshillerbehfin2006-04baker-nagelpdf · e literature documentmg that consumers have a relatively high Drooensitv to consume moderatelv-sized cash windfalls src=https:reader036vdocumentinreader036viewer202207140460f7e9acdcb2d579f9593aadhtml5thumbnails40jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 41button div class=ts-image amp-img class=ts-thumb alt=Page 41: mpc18 - Yale Universityshillerbehfin2006-04baker-nagelpdf · e literature documentmg that consumers have a relatively high Drooensitv to consume moderatelv-sized cash windfalls src=https:reader036vdocumentinreader036viewer202207140460f7e9acdcb2d579f9593aadhtml5thumbnails41jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 42button div class=ts-image amp-img class=ts-thumb alt=Page 42: mpc18 - Yale Universityshillerbehfin2006-04baker-nagelpdf · e literature documentmg that consumers have a relatively high Drooensitv to consume moderatelv-sized cash windfalls src=https:reader036vdocumentinreader036viewer202207140460f7e9acdcb2d579f9593aadhtml5thumbnails42jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 43button div class=ts-image amp-img class=ts-thumb alt=Page 43: mpc18 - Yale Universityshillerbehfin2006-04baker-nagelpdf · e literature documentmg that consumers have a relatively high Drooensitv to consume moderatelv-sized cash windfalls src=https:reader036vdocumentinreader036viewer202207140460f7e9acdcb2d579f9593aadhtml5thumbnails43jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 44button div class=ts-image amp-img class=ts-thumb alt=Page 44: mpc18 - Yale Universityshillerbehfin2006-04baker-nagelpdf · e literature documentmg that consumers have a relatively high Drooensitv to consume moderatelv-sized cash windfalls src=https:reader036vdocumentinreader036viewer202207140460f7e9acdcb2d579f9593aadhtml5thumbnails44jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 45button div class=ts-image amp-img class=ts-thumb alt=Page 45: mpc18 - Yale Universityshillerbehfin2006-04baker-nagelpdf · e literature documentmg that consumers have a relatively high Drooensitv to consume moderatelv-sized cash windfalls src=https:reader036vdocumentinreader036viewer202207140460f7e9acdcb2d579f9593aadhtml5thumbnails45jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 46button div class=ts-image amp-img class=ts-thumb alt=Page 46: mpc18 - Yale Universityshillerbehfin2006-04baker-nagelpdf · e literature documentmg that consumers have a relatively high Drooensitv to consume moderatelv-sized cash windfalls src=https:reader036vdocumentinreader036viewer202207140460f7e9acdcb2d579f9593aadhtml5thumbnails46jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 47button div class=ts-image amp-img class=ts-thumb alt=Page 47: mpc18 - Yale Universityshillerbehfin2006-04baker-nagelpdf · e literature documentmg that consumers have a relatively high Drooensitv to consume moderatelv-sized cash windfalls src=https:reader036vdocumentinreader036viewer202207140460f7e9acdcb2d579f9593aadhtml5thumbnails47jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 48button div class=ts-image amp-img class=ts-thumb alt=Page 48: mpc18 - Yale Universityshillerbehfin2006-04baker-nagelpdf · e literature documentmg that consumers have a relatively high Drooensitv to consume moderatelv-sized cash windfalls src=https:reader036vdocumentinreader036viewer202207140460f7e9acdcb2d579f9593aadhtml5thumbnails48jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 49button div class=ts-image amp-img class=ts-thumb alt=Page 49: mpc18 - Yale Universityshillerbehfin2006-04baker-nagelpdf · e literature documentmg that consumers have a relatively high Drooensitv to consume moderatelv-sized cash windfalls src=https:reader036vdocumentinreader036viewer202207140460f7e9acdcb2d579f9593aadhtml5thumbnails49jpg width=142 height=106 layout=responsive amp-img divdiv