File(s): File format is application/pdf https://files.stlouisfed.org/files/htdocs/publications/review/92/09/Faces_Sep_Oct1992.pdf

File(s): https://fraser.stlouisfed.org/scribd/?toc_id=499300&filepath=/docs/publications/frbslreview/rev_stls_199209.pdf&start_page=4#scribd-open