@article{berndt_hollifield_sandas_2016, title={How subprime borrowers and mortgage brokers shared the pie}, volume={44}, number={1}, journal={Real Estate Economics}, author={Berndt, A. and Hollifield, B. and Sandas, P.}, year={2016}, pages={87–154} }
 @article{berndt_yeltekin_2015, title={Monetary policy, bond returns and debt dynamics}, volume={73}, journal={Journal of Monetary Economics}, author={Berndt, A. and Yeltekin, S.}, year={2015}, pages={119–136} }