3 IZA Discussion Papers
IZA Discussion Paper No. 12823
IZA Discussion Paper No. 3086
published in: Journal of Development Economics, 2010, 93 (1), 7-19
IZA Discussion Paper No. 1396
published as 'Income volatility and residential mortgage delinquency across the EU' in: Journal of Housing Economics, 2005, 14 (3), 153-177