@article{acharya2013guaranteed, title={Guaranteed to Fail: Fannie Mae and Freddie Mac and What to Do about Them}, author={Acharya, Viral and Richardson, Matthew and {Van Nieuwerburgh}, Stijn and White, Lawrence J}, journal={The Economists’ Voice}, volume={10}, number={1}, pages={15--19}, year={2013}, publisher={De Gruyter} }