@article{lustig2005housing,
  title={Housing collateral, consumption insurance, and risk premia: An empirical perspective},
  author={Lustig, Hanno N and {Van Nieuwerburgh}, Stijn G},
  journal={The Journal of Finance},
  volume={60},
  number={3},
  pages={1167--1219},
  year={2005},
  publisher={Wiley Online Library}
}