File(s): File format is application/pdf https://files.stlouisfed.org/files/htdocs/publications/review/80/04/Formation_Apr1980.pdf

File(s): https://fraser.stlouisfed.org/scribd/?toc_id=500207&filepath=/docs/publications/frbslreview/rev_stls_198004.pdf&start_page=2#scribd-open