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			<cb:simpleTitle xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">The Homeownership Gap.</cb:simpleTitle><cb:occurrenceDate xmlns:cb="http://www.centralbanks.org/rss-cb/1.0/">2009-12-23T11:24:13-5:00</cb:occurrenceDate>
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			<cb:simpleTitle xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">Second Chances: Subprime Mortgage Modification and Re-Default.</cb:simpleTitle><cb:occurrenceDate xmlns:cb="http://www.centralbanks.org/rss-cb/1.0/">2009-12-22T15:43:37-5:00</cb:occurrenceDate>
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	<item rdf:about="http://www.newyorkfed.org/research/staff_reports/sr410.html" xmlns="http://purl.org/rss/1.0/"><title><![CDATA[Real-Time Search in the Laboratory and the Market.]]></title><link>http://www.newyorkfed.org/research/staff_reports/sr410.html</link><description><![CDATA[Meta  Brown, Christopher  Flinn, and Andrew  Schotter.  Real-Time Search in the Laboratory and the Market.  <i>Federal Reserve Bank of New York Staff Reports</i> Staff Report Number 410, December 2009.]]></description><dc:language>en</dc:language><dc:date xmlns:dc="http://purl.org/dc/elements/1.1/">2009-12-04T13:45:05-5:00</dc:date><cb:paper xmlns:cb="http://www.centralbanks.org/rss-cb/1.0/">
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			<cb:publicationDate xmlns:cb="http://www.centralbanks.org/rss-cb/1.0/">December 2009</cb:publicationDate>
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	<item rdf:about="http://www.newyorkfed.org/research/staff_reports/sr401.html" xmlns="http://purl.org/rss/1.0/"><title><![CDATA[Do Colleges and Universities Increase Their Region's Human Capital?.]]></title><link>http://www.newyorkfed.org/research/staff_reports/sr401.html</link><description><![CDATA[Jaison R. Abel and Richard  Deitz.  Do Colleges and Universities Increase Their Region's Human Capital?.  <i>Federal Reserve Bank of New York Staff Reports</i> Staff Report Number 401, October 2009.]]></description><dc:language>en</dc:language><dc:date xmlns:dc="http://purl.org/dc/elements/1.1/">2009-10-30T14:15:37-4:00</dc:date><cb:paper xmlns:cb="http://www.centralbanks.org/rss-cb/1.0/">
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			<cb:publicationDate xmlns:cb="http://www.centralbanks.org/rss-cb/1.0/">October 2009</cb:publicationDate>
			<cb:issue xmlns:cb="http://www.centralbanks.org/rss-cb/1.0/">Staff Report Number 401</cb:issue>
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	<item rdf:about="http://www.newyorkfed.org/research/current_issues/ci15-5.html" xmlns="http://purl.org/rss/1.0/"><title><![CDATA[Is the Worst Over? Economic Indexes and the Course of the Recession in New York and New Jersey .]]></title><link>http://www.newyorkfed.org/research/current_issues/ci15-5.html</link><description><![CDATA[Jason  Bram, James  Orr, Robert  Rich, Rae  Rosen, and Joseph  Song.  Is the Worst Over? Economic Indexes and the Course of the Recession in New York and New Jersey .  <i>Federal Reserve Bank of New York Current Issues in Economics and Finance</i>, Volume 15, Number 5, September 2009.]]></description><dc:language>en</dc:language><dc:date xmlns:dc="http://purl.org/dc/elements/1.1/">2009-09-28T09:51:46-4:00</dc:date><cb:paper xmlns:cb="http://www.centralbanks.org/rss-cb/1.0/">
			<cb:simpleTitle xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">Is the Worst Over? Economic Indexes and the Course of the Recession in New York and New Jersey .</cb:simpleTitle><cb:occurrenceDate xmlns:cb="http://www.centralbanks.org/rss-cb/1.0/">2009-09-28T09:51:46-4:00</cb:occurrenceDate>
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			<cb:publicationDate xmlns:cb="http://www.centralbanks.org/rss-cb/1.0/">September 2009</cb:publicationDate>
			<cb:issue xmlns:cb="http://www.centralbanks.org/rss-cb/1.0/">Volume 15, Number 5</cb:issue>
			<cb:JELCode xmlns:cb="http://www.centralbanks.org/rss-cb/1.0/">R10</cb:JELCode>
			<cb:JELCode xmlns:cb="http://www.centralbanks.org/rss-cb/1.0/">R11</cb:JELCode>
			<cb:JELCode xmlns:cb="http://www.centralbanks.org/rss-cb/1.0/">R12</cb:JELCode>
			<cb:JELCode xmlns:cb="http://www.centralbanks.org/rss-cb/1.0/">R15</cb:JELCode>
		</cb:paper><dc:creator>NYFed</dc:creator><dc:publisher>Federal Reserve Bank of New York</dc:publisher></item>

	<item rdf:about="http://www.newyorkfed.org/research/staff_reports/sr394.html" xmlns="http://purl.org/rss/1.0/"><title><![CDATA[The Dynamics of Automobile Expenditures.]]></title><link>http://www.newyorkfed.org/research/staff_reports/sr394.html</link><description><![CDATA[Adam  Copeland.  The Dynamics of Automobile Expenditures.  <i>Federal Reserve Bank of New York Staff Reports</i> Staff Report Number 394, September 2009.]]></description><dc:language>en</dc:language><dc:date xmlns:dc="http://purl.org/dc/elements/1.1/">2009-09-15T15:52:47-4:00</dc:date><cb:paper xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">
			<cb:simpleTitle xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1"><![CDATA[The Dynamics of Automobile Expenditures.]]></cb:simpleTitle>
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			<cb:publicationDate xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">September 2009</cb:publicationDate>
			<cb:publication xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">NY Fed | Research Publications | Staff Reports</cb:publication>
			<cb:issue xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">Staff Report Number 394</cb:issue>
			<cb:JELCode xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">D12</cb:JELCode>
			<cb:JELCode xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">C61</cb:JELCode>
			<cb:JELCode xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">L62</cb:JELCode>
		</cb:paper><dc:creator>NYFed</dc:creator><dc:publisher>Federal Reserve Bank of New York</dc:publisher></item>

	<item rdf:about="http://www.newyorkfed.org/research/staff_reports/sr392.html" xmlns="http://purl.org/rss/1.0/"><title><![CDATA[Labor Market Pooling and Occupational Agglomeration.]]></title><link>http://www.newyorkfed.org/research/staff_reports/sr392.html</link><description><![CDATA[Todd M.  Gabe and Jaison R. Abel.  Labor Market Pooling and Occupational Agglomeration.  <i>Federal Reserve Bank of New York Staff Reports</i> Staff Report Number 392, September 2009.]]></description><dc:language>en</dc:language><dc:date xmlns:dc="http://purl.org/dc/elements/1.1/">2009-09-09T12:45:44-4:00</dc:date><cb:paper xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">
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			<cb:publication xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">NY Fed | Research Publications | Staff Reports</cb:publication>
			<cb:issue xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">Staff Report Number 392</cb:issue>
			<cb:JELCode xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">R12</cb:JELCode>
			<cb:JELCode xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">J24</cb:JELCode>
			<cb:JELCode xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">R20</cb:JELCode>
		</cb:paper><dc:creator>NYFed</dc:creator><dc:publisher>Federal Reserve Bank of New York</dc:publisher></item>

	<item rdf:about="http://www.newyorkfed.org/research/staff_reports/sr390.html" xmlns="http://purl.org/rss/1.0/"><title><![CDATA[BANK CAPITAL AND VALUE IN THE CROSS-SECTION.]]></title><link>http://www.newyorkfed.org/research/staff_reports/sr390.html</link><description><![CDATA[Hamid  Mehran and Anjan  Thakor.  BANK CAPITAL AND VALUE IN THE CROSS-SECTION.  <i>Federal Reserve Bank of New York Staff Reports</i> Staff Report Number 390, September 2009.]]></description><dc:language>en</dc:language><dc:date xmlns:dc="http://purl.org/dc/elements/1.1/">2009-09-09T10:16:33-4:00</dc:date><cb:paper xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">
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			<cb:publication xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">NY Fed | Research Publications | Staff Reports</cb:publication>
			<cb:issue xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">Staff Report Number 390</cb:issue>
			<cb:JELCode xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">G21</cb:JELCode>
			<cb:JELCode xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">G24</cb:JELCode>
			<cb:JELCode xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">G34</cb:JELCode>
		</cb:paper><dc:creator>NYFed</dc:creator><dc:publisher>Federal Reserve Bank of New York</dc:publisher></item>

	<item rdf:about="http://www.newyorkfed.org/research/staff_reports/sr383.html" xmlns="http://purl.org/rss/1.0/"><title><![CDATA[Gender and the Availability of Credit to Privately Held Firms: Evidence from the Surveys of Small Business Finances 
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			<cb:keyword xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1"><![CDATA[SSBF]]></cb:keyword>
			<cb:person type="author" xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">
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			<cb:publicationDate xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">August 2009</cb:publicationDate>
			<cb:publication xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">NY Fed | Research Publications | Staff Reports</cb:publication>
			<cb:issue xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">Staff Report Number 383</cb:issue>
			<cb:JELCode xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">G20</cb:JELCode>
			<cb:JELCode xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">G32</cb:JELCode>
			<cb:JELCode xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">J16</cb:JELCode>
			<cb:JELCode xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">L11</cb:JELCode>
		</cb:paper><dc:creator>NYFed</dc:creator><dc:publisher>Federal Reserve Bank of New York</dc:publisher></item>

	<item rdf:about="http://www.newyorkfed.org/research/epr/09v15n1/0907haug.html" xmlns="http://purl.org/rss/1.0/"><title><![CDATA[Below the Line: Estimates of Negative Equity among Nonprime Borrowers]]></title><link>http://www.newyorkfed.org/research/epr/09v15n1/0907haug.html</link><description><![CDATA[Andrew F. Haughwout and Ebiere Okah. Below the Line: Estimates of Negative Equity among Nonprime Borrowers. Federal Reserve Bank of New York Economic Policy Review, Volume 15, Number 1, 2009.]]></description><dc:language>en</dc:language><dc:date xmlns:dc="http://purl.org/dc/elements/1.1/">2009-07-10T12:39:18-4:00</dc:date><cb:paper xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">
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				<cb:givenName xmlns:cb="http://www.centralbanks.org/rss-cb/1.0/"><![CDATA[Andrew F.]]></cb:givenName>
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			<cb:publicationDate xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">July 2009</cb:publicationDate>
			<cb:publication xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">NY Fed | Research Publications | Economic Policy Review</cb:publication>
			<cb:issue xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">Volume 15, Number 1</cb:issue>
			<cb:JELCode xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">D00</cb:JELCode>
			<cb:JELCode xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">G10</cb:JELCode>
			<cb:JELCode xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">R21</cb:JELCode>
		</cb:paper><dc:creator>NYFed</dc:creator><dc:publisher>Federal Reserve Bank of New York</dc:publisher></item>

	<item rdf:about="http://www.newyorkfed.org/research/staff_reports/sr379.html" xmlns="http://purl.org/rss/1.0/"><title><![CDATA[Do Vouchers Lead to Sorting Under Random Private School Selection? Evidence from Milwaukee Voucher Program.]]></title><link>http://www.newyorkfed.org/research/staff_reports/sr379.html</link><description><![CDATA[Rajashri  Chakrabarti.  Do Vouchers Lead to Sorting Under Random Private School Selection? Evidence from Milwaukee Voucher Program.  <i>Federal Reserve Bank of New York Staff Reports</i> Staff Report Number 379, July 2009.]]></description><dc:language>en</dc:language><dc:date xmlns:dc="http://purl.org/dc/elements/1.1/">2009-07-08T10:29:31-4:00</dc:date><cb:paper xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">
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			<cb:publicationDate xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">July 2009</cb:publicationDate>
			<cb:publication xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">NY Fed | Research Publications | Staff Reports</cb:publication>
			<cb:issue xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">Staff Report Number 379</cb:issue>
			<cb:JELCode xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">H00</cb:JELCode>
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			<cb:JELCode xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">I28</cb:JELCode>
		</cb:paper><dc:creator>NYFed</dc:creator><dc:publisher>Federal Reserve Bank of New York</dc:publisher></item>

	<item rdf:about="http://www.newyorkfed.org/research/staff_reports/sr378.html" xmlns="http://purl.org/rss/1.0/"><title><![CDATA[How do College Students Form Expectations?]]></title><link>http://www.newyorkfed.org/research/staff_reports/sr378.html</link><description><![CDATA[Basit  Zafar.  How do College Students Form Expectations?  <i>Federal Reserve Bank of New York Staff Reports</i> Staff Report Number 378, July 2009.]]></description><dc:language>en</dc:language><dc:date xmlns:dc="http://purl.org/dc/elements/1.1/">2009-07-06T10:42:32-4:00</dc:date><cb:paper xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">
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			<cb:publicationDate xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">July 2009</cb:publicationDate>
			<cb:publication xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">NY Fed | Research Publications | Staff Reports</cb:publication>
			<cb:issue xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">Staff Report Number 378</cb:issue>
			<cb:JELCode xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">D80</cb:JELCode>
			<cb:JELCode xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">I20</cb:JELCode>
			<cb:JELCode xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">J10</cb:JELCode>
			<cb:JELCode xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">J70</cb:JELCode>
		</cb:paper><dc:creator>NYFed</dc:creator><dc:publisher>Federal Reserve Bank of New York</dc:publisher></item>

	<item rdf:about="http://www.newyorkfed.org/research/staff_reports/sr376.html" xmlns="http://purl.org/rss/1.0/"><title><![CDATA[Financial Visibility and the Decision to Go Private.]]></title><link>http://www.newyorkfed.org/research/staff_reports/sr376.html</link><description><![CDATA[Hamid  Mehran and Stavros  Peristiani.  Financial Visibility and the Decision to Go Private.  <i>Federal Reserve Bank of New York Staff Reports</i> Staff Report Number 376, June 2009.]]></description><dc:language>en</dc:language><dc:date xmlns:dc="http://purl.org/dc/elements/1.1/">2009-06-09T17:03:59-4:00</dc:date><cb:paper xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">
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			<cb:JELCode xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">G00</cb:JELCode>
			<cb:JELCode xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">G30</cb:JELCode>
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	<item rdf:about="http://www.newyorkfed.org/research/staff_reports/sr373.html" xmlns="http://purl.org/rss/1.0/"><title><![CDATA[Barriers to Household Risk Management: Evidence from India.]]></title><link>http://www.newyorkfed.org/research/staff_reports/sr373.html</link><description><![CDATA[Shawn  Cole, Xavier  Gine, Jeremy  Tobacman, Petia  Topalova, Robert  Townsend, and James  Vickery.  Barriers to Household Risk Management: Evidence from India.  <i>Federal Reserve Bank of New York Staff Reports</i> Staff Report Number 373, May 2009.]]></description><dc:language>en</dc:language><dc:date xmlns:dc="http://purl.org/dc/elements/1.1/">2009-05-19T09:00:43-4:00</dc:date><cb:paper xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">
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			<cb:publicationDate xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">May 2009</cb:publicationDate>
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			<cb:JELCode xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">D14</cb:JELCode>
			<cb:JELCode xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">G11</cb:JELCode>
			<cb:JELCode xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">G22</cb:JELCode>
			<cb:JELCode xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">D81</cb:JELCode>
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	<item rdf:about="http://www.newyorkfed.org/research/staff_reports/sr369.html" xmlns="http://purl.org/rss/1.0/"><title><![CDATA[The Impact of Tax Law Changes on Bank Dividend Policy, Sell-offs, Organizational Form, and Industry Structure.]]></title><link>http://www.newyorkfed.org/research/staff_reports/sr369.html</link><description><![CDATA[Hamid  Mehran and Michael  Suher.  The Impact of Tax Law Changes on Bank Dividend Policy, Sell-offs, Organizational Form, and Industry Structure.  <i>Federal Reserve Bank of New York Staff Reports</i> Staff Report Number 369, April 2009.]]></description><dc:language>en</dc:language><dc:date xmlns:dc="http://purl.org/dc/elements/1.1/">2009-04-28T13:57:34-4:00</dc:date><cb:paper xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">
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			<cb:JELCode xmlns:cb="http://www.cbwiki.net/wiki/index.php/Specification_1.1">G20</cb:JELCode>
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