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You've probably heard how most successful people wake up before the crack of dawn to start the grind. That's true, but not every successful person wakes up by 4 a.m. Whether you wake up at 4 a.m. or 11 a.m. doesn't really matter. What matters is how and what you do once you are up. In fact, having a morning routine can be the difference between a grounded day and a worrisome, anxiety-filled workday.
1 INTRODUCTION The ease of access to finance is one of the crucial preconditions for successful functioning of the financial markets and economies (Demirgüç-Kunt & Maksimovic, 1998; Fazzari et al., 1988; Rajan & Zingales, 1998). The literature is still without a complete explanation of corporations' financing choices.
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