@article {9286,
	title = {A Model of Mortgage Default},
	journal = {Journal of Finance},
	volume = {70},
	number = {4},
	year = {2015},
	pages = {1495-1554},
	url = {http://onlinelibrary.wiley.com.ezp-prod1.hul.harvard.edu/doi/10.1111/jofi.12252/full},
	author = {John Y. Campbell and Joao F. Cocco}
}
