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Submitted on: 23 March 1999.
Revised on: 11 June 1999.
Accepted on: 17 July 1999.
___________________Journal of Banking Regulation---PALGRAVE MACMILLAN LTD
Submitted on: 29 November 2012.
Revised on: 13 March 2013.
Accepted on: 04 April 2013.
___________________Journal of Banking Regulation---PALGRAVE MACMILLAN LTD
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