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Our working papers disseminate research relevant to the various missions and competences of the CSSF, and provide a conceptual and empirical basis for policy-making. The working papers constitute “work in progress”. They are published to stimulate discussion, share knowledge on the Luxembourg financial markets and contribute to the advancement of our practice of supervision. They are addressed to experts, so readers should be knowledgeable in finance and/or statistics. The views expressed are those of the authors and do not necessarily reflect those of the CSSF.