Conflicts of Interest The authors declare no conflicts of interest. Data Availability Statement The data that support the findings of this study are available from the corresponding author upon reasonable request. References , and 2003. “The Duration of Homelessness: Evidence From a National Survey.” Journal of Housing Economics 12: 273–290. , and . 2004. “Risks for the Long Run: A Potential Resolution of Asset Pricing Puzzles.” Journal of Finance 59: 1481–1509. , , , and . 2018.