This paper studies household consumption behavior when saving motives differ due to preference or income risk heterogeneity. I show that self-insurance operates along two margins: a standard liquidity margin determined by the level of current resources and an intertemporal margin governed by...

The purpose of this study was to investigate the mechanisms through which intimate relationships influence the business achievements of both men and women. The study involved 400 Small and Medium Enterprises (SME) entrepreneurs (177 women and 223 men) in Poland, all of whom are currently in a...

Climate mitigation policies often target the increased energy efficiency of the residential building stock through the use of insulating materials which reduce heat loss. However, building materials with low thermal transmissivity have higher radio signal attenuation rates, which may reduce...

Using 33 years of intraday Treasury data, we provide the first high-frequency evidence on auction-day price pressure: yields rise in the hours before auction and reverse afterward. This pressure strengthens when dealers face tighter risk-bearing constraints and weakens when investor demand is...