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Hubbard, R. (2014-11-04). Finding the Sweet Spot for Effective Regulation. In The Economists' Voice 2.0: The Financial Crisis, Health Care Reform, and More. : Columbia University Press. Retrieved 1 Jul. 2022, from https://columbia.universitypressscholarship.com/view/10.7312/columbia/9780231160155.001.0001/upso-9780231160155-chapter-010.