Template-Type: ReDIF-Article 1.0 Author-Name: John G. Heimann Author-Name: Richard Herring Title: Comments and Discussion Journal: Brookings-Wharton Papers on Financial Services Pages: 324-336 Volume: 2000 Issue: 1 Year: 2000 DOI: 10.1353/pfs.2000.0004 Handle: RePEc:aoo:26614