| Document Date: 2013-01-16 08:57:54
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Currency USD / / Facility Central European University / / IndustryTerm add-on services / bank accounts / financial products / consumer buying product / retail market / bank revenues / wasteful product / deceptive products / transparent product / bank / up-front products / consumer financial products / / Organization Central European University / UC Berkeley / / Person Michael Grajek / Drew Fudenberg / Lal / Nicolas Melissas / Paul Heidhues / Takeshi Murooka / Michael Grubb / Antoinette Schoar / Klaus Schmidt / / Position model in Heidhues / / URL http /
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Exploitative Innovation∗ Paul Heidhues ESMT, CEPR and CESifo Botond K˝oszegi Central European University and UC Berkeley