Affiliation: | 1 Department of Economics, Finance and Statistics, University of Perugia, 06123 Perugia, Italy bart{at}stat.unipg.it, 2 Department of Economic and Financial Institutions, University of Macerata, 62100 Macerata, Italy scaccia{at}unimc.it, 3 Department of Economics, University of Insubria, 21100 Varese, Italy antonietta.mira{at}uninsubria.it |