1% ============================================================================2\section{Conclusion}3\label{sec:conclusion}4% ============================================================================56This paper investigates \ldots{} Using data from \ldots{} over the period \ldots{}, we find that \ldots{}78Our results contribute to the literature in several ways. First, \ldots{} Second, \ldots{} Third, \ldots{}910These findings have important implications for \ldots{} From a policy perspective, \ldots{} For practitioners, \ldots{}1112Several limitations of the present study suggest directions for future research. First, \ldots{} Second, \ldots{} We leave these questions for future work.13