\relax 
\bibstyle{rfs}
\citation{bhw:1992}
\citation{welch:2003}
\citation{welch:2002}
\bibdata{bstfiles}
\harvardcite{bhw:1992}{Bikhchandani, Hirshleifer, and Welch}{Bikhchandani, Hirshleifer, and Welch}{1992}
\harvardcite{welch:2002}{Welch}{Welch}{2002}
\harvardcite{welch:2003}{Welch}{Welch}{2003}