Many consumers who lack checking accounts are paying relatively high costs to access the nation's payments system. Legislation aimed at opening the system to these unbanked individuals has centered on requiring commercial banks to offer low-cost 'lifeline' accounts. But will cost savings alone...

Young children are required to use child safety seats, and the age threshold at which children can legally graduate to seat belts has steadily increased. This paper tests the relative effectiveness of child safety seats, lap-and-shoulder seat belts, and lap belts in preventing injuries among...

"Young children are required to use child safety seats, and the age threshold at which children can legally graduate to seat belts has steadily increased. This article tests the relative effectiveness of child safety seats, lap-and-shoulder seat belts, and lap belts in preventing injuries among...