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Procedia Economics and Finance 35 (2016) 99 106
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2212-5671 2016 The Authors. Published by Elsevier B.V. This is an open access article under the CC BY-NC-ND license
(http://creativecommons.org/licenses/by-nc-nd/4.0/).
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doi:10.1016/S2212-5671(16)00014-9
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