Affiliation: | 1.Department of Financial Economic I, University of the Basque Country (UPV/EHU), Elcano 21, 48008, Bilbao, Spain ;2.Department of Financial Economic I, University of the Basque Country (UPV/EHU), Avda. Lehenadakari Agirre 83, 48015, Bilbao, Spain ;3.Department of Financial Economic II, University of the Basque Country (UPV/EHU), Avda. Lehenadakari Agirre 83, 48015, Bilbao, Spain ; |