@article {84076,
	title = {What Calls to ARMs? International Evidence on Interest Rates and the Choice of Adjustable-Rate Mortgages},
	journal = {Management Science},
	volume = {64},
	year = {2018},
	month = {2018},
	pages = {2275-2288},
	author = {Cristian Badarinza and John Y. Campbell and Tarun Ramadorai}
}
