Your first link is broken. I think maybe you meant this? https://www.eurofidai.org/sites/default/files/pdf/EUROFIDAI_papers/JFE%20ARTICLE%2004052016.pdf https:

Your first link is broken. I think maybe you meant this? https://www.eurofidai.org/sites/default/files/pdf/EUROFIDAI_papers/JFE%20ARTICLE%2004052016.pdf https://www.eurofidai.org/sites/default/files/pdf/EUROFIDAI_... (there was an extra 'Q' at the end)