The Distribution of Debt across Euro-Area Countries: The Role of Individual Characteristics, Institutions, and Credit Conditions
  	  Olympia Bover,
  	  Jose Maria Casado,
  	  Sónia Costa,
  	  Philip Du Caju,
  	  Yvonne McCarthy,
  	  Eva Sierminska
	International Journal Of Central Banking, 
vol. 12, 2016, p. 71-128.