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advertising agents aggregate allocation Angrist assume assumption average search success B-type bank behavior birth cohort cartel cash choice coefficients column condition consumer consumer surplus coordination deposits distribution of managerial effects efficiency equation equilibrium estimates evaluate expected firm fraction growth hiring Hispanic implies increase industry inequality inflation instrumental variables interest rate investments Journal of Economic labor late projects loan sanctions lobby lung cancer managerial expertise managers marginal ment monetary policy mortality rate motorists newspaper circulation nomic nominal nominal deposits nominal interest rate odious debt optimal outcomes output p-values paper Pareto improving percent period population race race-r racial prejudice regime regression risk sample school-leaving age search cost search success rates skill social statistical sumer surplus Table technology shock tion trade troopers utility variables wage wealth workers zero