@article{Gopaln_Kalda_Manela_2021_offices,
author = {Gopalan, Yadav and Kalda, Ankit and Manela, Asaf},
title = "{Hub-and-Spoke Regulation and Bank Leverage}",
journal = {Review of Finance},
volume = {25},
number = {5},
pages = {1499--1545},
year = {2021},
month = {07},
}