@article{beraja2019regional,
  title={Regional heterogeneity and the refinancing channel of monetary policy},
  author={Beraja, Martin and Fuster, Andreas and Hurst, Erik and Vavra, Joseph},
  journal={The Quarterly Journal of Economics},
  volume={134},
  number={1},
  pages={109--183},
  year={2019},
  publisher={Oxford University Press}
}