                            
Dr. Raphie HayatLecturer 

                                        Law, Economics and Governance
                                    
                                        Utrecht University School of Economics 
                                    
                                        Finance
                                    
                                        Finance
                                    
                                    r.hayat@uu.nl
                                
                                    Adam Smith Hall (AA)
                                
                                    Kriekenpitplein 21-22

3584 EC
                                            Utrecht