\ifx\undefined\BySame \newcommand{\BySame}{\leavevmode\rule[.5ex]{3em}{.5pt}\ } \fi \ifx\undefined\textmd \newcommand{\textmd}[1]{{\sc #1}} \fi \ifx\undefined\emph \newcommand{\emph}[1]{{\em #1\/}} \fi \begin{thebibliography}{} \harvarditem[Bikhchandani, Hirshleifer, and Welch]{Bikhchandani, Hirshleifer, and Welch}{1992}{bhw:1992} \textmd{Bikhchandani, S., D.~Hirshleifer, \textmd{and} I.~Welch}, 1992, ``A Theory of Fads, Fashion, Custom, and Cultural Change as Informational Cascades,'' \emph{Journal of Political Economy}, 100(5), 992--1026. \harvarditem[Welch]{Welch}{2002}{welch:2002} \textmd{Welch, I.}, 2002, ``The Top Achievements, Challenges, and Failures of Finance,'' working paper, Yale SOM. \harvarditem[Welch]{Welch}{2003}{welch:2003} \textmd{\BySame{}}, 2003, \emph{A First Course in Finance}. IAW Press, New Haven, CT. \end{thebibliography}