| Sunday 4:00 - 5:45 p.m. SEA*  | 
						Session 06I* Fiscal Decentralization and Fiscal Competition  | 
            
Organizers:  | 
          William H. Hoyt, University of Kentucky  | 
Session Chairs:  | 
          William H. Hoyt, University of Kentucky  | 
Papers:  | 
					
           "State Tax Differentials, Cross-Border Commuting, and Commuting Times in Multi-State Metropolitan Areas" "LOST in America: Evidence on Local Sales Taxes from National Panel Data" "Fiscal Decentralization and the Shadow Economy:  A Cross-Country Empirical Study" "Are Local Tax Rates Strategic Complements or Strategic Substitutes?"  | 
            
Discussants:  | 		
          John D. Wilson, Michigan State University  | 
| Monday 8:00 - 9:45 a.m. SEA  | 
						Session 19J The Impact of Foreclosure and Housing Policy  | 
            
Session Chairs:  | 
          Kristen Broady, Fort Valley State University  | 
Papers:  | 
					
           "African Americans, Payday Lenders, and the Foreclosure Crisis in Mississippi" "Substituting the Mortgage Interest Deduction for a Down-Payment Subsidy: A Policy Simulation" "The Effects of the Two-Rate Property Tax: What Can We Learn from the Pennsylvania Experience?" "Uncovering Systemic Risk: Can Bank Stress Testing Be Informative?"  | 
            
Discussants:  | 		
          Pavel Kapinos, Federal Deposit Insurance Corporation  |