Lu Zhang (张橹)                                  

                                    Associate Professor of Finance

                                    Finance Department

                                    Stephen M. Ross School of Business

                                    University of Michigan

                                    701 Tappan Street, ER 7605 Bus Ad

                                    Ann Arbor MI, 48109-1234

                                    Tel: 734-615-4854

                                    Fax: 734-936-0282

                                    E-mail

                                    http://webuser.bus.umich.edu/zhanglu

                                    Faculty Research Fellow

                                    National Bureau of Economic Research