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.,Finance,Mar 1982 Princeton University,Princeton,NJ ., Mathematics,June 1980 Curriculum Vitae 2 RESEARCH INTERESTS Financial contracting, security design, and corporate finance. Structure and regulation of financial institutions. REFEREED JOURNAL ARTICLES “ Risk Overhang and Market Behavior,” (with Anne ). Journal of Business 74:4 (October 2020), 591612. “ Delegated Monitoring and Bank Structure in a Finite Economy.” Journal of Financial Intermediation, 4:2 (April 1995), 158187. …… WORKING PAPERS AND WORK IN PROGRESS “ Risk Overhang and Loan Portfolio Decisions,” (with Robert and Anne ). May 2020. “ When Do I