The author thanks the Editorial Committee of the Annual Review of Financial Economics, Rob Alessie, Guglielmo Briscese, Hanna Houdali, Tim Kaiser, Anita Mukherjee, Alessia Sconti, Andrea Sticha, Jialu Streeter, Carly Urban, and an anonymous reviewer for helpful suggestions and comments. She also thanks Audrey Brown and Lucy Chen for editorial and research support. Any errors…