The Effects of Mergers on Prices, Costs and Capacity Utilization in the U.S. Air Transportation Industry, 1970-84 "The Beneficiaries of Trucking Regulation Revisited", The Journal of Law & Economics, Vol. XVII(1), (April 1984), 227-241 "Scale Economy in Banking: A Methodological note", Journal of Money Credit and Banking, Vol. XVII(1), (February 1985), 96-102 The Structure of Production, Tachnical change and Productivity in a Port "Banking Technology and the Existence of a Consistent Output Aggregate", Journal of Monetary Economics, Vol. 18, No. 2, (September 1986), 181-195 "The Effects of Lump-Sum Subsidies on the Structure of Production and Productivity in Regulated Industries", (with M. Spiegel), Journal of Public Economics, Vol. 34, No. 1, (October 1987), 105-119 "The Structure of Technology with Endogenous Capital Utilization", International Economic Review, Vol. 29, No. 1, (February 1988), 111-130 "Economic vs. Accounting Depreciation", (with G. Moore), Journal of Accounting and Economics, Vol. 10, No. 2, (March 1988), 111-125 "Total Factor Productivity Growth in Banking", (with J. Weiss), Journal of Productivity Analysis, Vol. 1, No. 2, (June 1989), 139-153 "The Structure of Technology in a Multioutput Branch Banking Firm", (with U. Ben-Zion), Journal of Business and Economics Statistics, Vol. 7, No. 4 (October 1989), 489-496 "Technology, Debt and the Exploitation of Growth Options", (with V. Maksimovic), Journal of Banking and Finance, Vol. 14, No. 6 (December 1990), 113-1131 "Debt and Input Misallocation", (with V. Maksimovic). Journal of Finance, Vol.XLV, No. 3 (July 1990), 795-816 "A Microeconomic Approach to the Measurement of Information Technology Value", (with P. Alpar), Journal of Management Information Systems, Vol. 7, No. 2, (Fall 1990), 55-69 "Valuation of Pollution Abatement Benefits: Direct and Indirect Measurement", (with M. Shechter), Journal of Urban Economics, Vol. 30, No. 2, (September 1991), 133-151 Oligopolistic Interdependence and the Structure of Technology in Banking: An Empirical Evaluation "Market and Policy Analysis of the U.S. Banking Industry", (with A. Golan, and S. Freeman), Journal of Policy Modeling, Vol. 16, No. 6, (1994), 559-575 "Banks as Multioutput Oligopolies: An Empirical Evaluation of the Retail and Corporate Banking Markets", (with S.A. Berg), Journal of Money, Credit and Banking, Vol. 30, No. 2, (May, 1998), 135-153 Realizing the Gains from Electronic Payments: Costs, Pricing and Payment Choice Non-price Strategic Behavior: The Case of Bank Branches Estimating Switching Costs: The Case of Banking Endogenous Product Differentiation in Credit Markets: What do Borrowers Pay for? Information disadvantage in linear Cournot duopolies with differentiated products	HOME SELECTED PUBLICATIONS