%PDF-1.5 % 1 0 obj << /S /GoTo /D (section.1) >> endobj 4 0 obj (Introduction) endobj 5 0 obj << /S /GoTo /D (section.2) >> endobj 8 0 obj (Analysis of House Value Misperception) endobj 9 0 obj << /S /GoTo /D (section.3) >> endobj 12 0 obj (The Model) endobj 13 0 obj << /S /GoTo /D (section.4) >> endobj 16 0 obj (Equilibrium of the Model) endobj 17 0 obj << /S /GoTo /D (section.5) >> endobj 20 0 obj (Numerical Results and Testable Implications of the Model) endobj 21 0 obj << /S /GoTo /D (subsection.5.1) >> endobj 24 0 obj (Risky holdings as a function of misperception dispersion) endobj 25 0 obj << /S /GoTo /D (subsection.5.2) >> endobj 28 0 obj (Risky holdings and housing as a function of overvaluation) endobj 29 0 obj << /S /GoTo /D (subsection.5.3) >> endobj 32 0 obj (Inaction region and misperception) endobj 33 0 obj << /S /GoTo /D (section.6) >> endobj 36 0 obj (Empirical Approach) endobj 37 0 obj << /S /GoTo /D (subsection.6.1) >> endobj 40 0 obj (Housing as a function of misperception) endobj 41 0 obj << /S /GoTo /D (subsection.6.2) >> endobj 44 0 obj (Risky holdings as a function of misperception) endobj 45 0 obj << /S /GoTo /D (subsection.6.3) >> endobj 48 0 obj (Leverage as a function of misperception) endobj 49 0 obj << /S /GoTo /D (section.7) >> endobj 52 0 obj (Conclusions) endobj 53 0 obj << /S /GoTo /D [54 0 R /Fit] >> endobj 56 0 obj << /Length 1932 /Filter /FlateDecode >> stream xڍr6!rI2xc!LAƤ({O7)S.m՜h4OeJ:U]$eUgztzܰX,O/7k-nt{>^[,ݍn.\&R(rt&JJD2ES.(*N+z;ڵ٢ rެ J4U&u] ]6J5u"^> WVT)Ό'$.x%cӤa>XOP0`TU+{ʤyb2 0A4*)*ݺo1^EEaIL4!ؑL J: M|!LTQ䍙a1o07?uݤwnݦk*.&Wzf1gP7hzr_3b󀫵SS8 5Ul 3imqyckcGICDOXh*!02eI3my^o]#2r<yh"xcXV=*W)t}78"ly|v(&zM/<<â0cCq+}7ace^Sfy1U8@JqyEP6)%]ݝLY"*]+PI۟W s l*gD/`WqzZ0eDɷ.m:X`/0eK*s-fH ]GܤP3|Mk>iʒ,ƴʿm־3ժE?Գ}ѡ9óq݀8{ RLč^rΔ솭a ,n 6iK"j/jL95Tßv맜' endstream endobj 54 0 obj << /Type /Page /Contents 56 0 R /Resources 55 0 R /MediaBox [0 0 612 792] /Parent 67 0 R >> endobj 57 0 obj << /D [54 0 R /XYZ 71 757 null] >> endobj 58 0 obj << /D [54 0 R /XYZ 72 719.138 null] >> endobj 55 0 obj << /Font << /F16 59 0 R /F21 60 0 R /F17 61 0 R /F34 62 0 R /F51 63 0 R /F8 64 0 R /F35 65 0 R /F45 66 0 R >> /ProcSet [ /PDF /Text ] >> endobj 70 0 obj << /Length 2106 /Filter /FlateDecode >> stream xڅˮ4t?_DKi iHTb,|֐ۙ9/q'#Vy?.y_<e.ϻ&55ݥdCUaYۍm0vy]9Ctw(cWLm:}7ʺJnjOI4Cz;\ytkWw7ʎ^l}0w, oa`#6nAOJT? ;聗 `u Ѫ:y1ƫrJ:8?"܌T; !QX235?kϔN!L+s *KE$jx*85w}fAEHB3 Dl{c߬i @GtԇzI/ (ωc0,T[Ul e2:K{0Jo3:BGehg>`Hij<`'$;j\F /);&Oebr6u1Yq+l37W& wr{sz%mkG*gN'l3nYn ?+'|dg]Q,jdD$=~ HY}<ZaS&NCiʦJNX`'qD!>zTK+VtZUPr= .}ƁA1ڬ"!=整:lC96UV p T{|pz!{6H^{?;{gl.9R2'Tg2le `:(nOxGZ{f[~ ۧlUq?zJ$ݩA{>$3Ҳ׻1?'ḿ<5AtD7ql$Ҫ95Y>IVyo3w|ae%nMJD,jcUrUsWXđI\1t$mkt0 M (sX#@! 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