File(s): File format is application/pdf https://files.stlouisfed.org/files/htdocs/publications/review/95/03/Outsider_Mar_Apr1995.pdf

File(s): https://fraser.stlouisfed.org/scribd/?toc_id=500006&filepath=/docs/publications/frbslreview/rev_stls_199503.pdf&start_page=51#scribd-open