Research

Working Papers

Does Algorithmic Risk Assessment Affect Physician Prescribing? Understanding Aggregate Versus Micro-Level Impacts (R&R at American Journal of Preventive Medicine)
with Emma Dean and Daniel Kaliski, 2024
SSRN

Pricing Protection: Credit Scores, Disaster Risk, and Home Insurance Affordability
with Joshua Blonz, Ben Keys, Philip Mulder, and Joakim Weill, 2024
SSRN
Media: Bloomberg

California Wildfires, Property Damage, and Mortgage Repayment (R&R at Journal of Political Economy Microeconomics)
with Siddhartha Biswas and David Zink, 2023
Philadelphia Fed Working Paper
Media: Bloomberg Bloomberg TV WSJ American Banker Yahoo News LA Times Digital Insurance Honolulu Civil Beat

Flood Risk Exposures and Mortgage-Backed Security Asset Performance and Risk Sharing
with Jacob Dice and David Rodziewicz, 2024
KC Fed Working Paper

Less is More Expensive: Bulk Buying and Cognitive Costs (R&R at International Economic Review)
with Christoph Bauner, 2025
Working Paper
Media: Chicago Booth Review

Journal Publications

Not Cashing In on Cashing Out: An Analysis of Low Cash-Out Refinance Rates
with Igor Livshits and Collin Wardius
Accepted at Real Estate Economics, 2026
Journal Working Paper
Media: Philadelaphia Fed Research in Focus

Using Administrative Data to Examine Telemedicine Usage Among Medicaid Beneficiaries During the Coronavirus Disease 2019 Pandemic
with Emma B Dean and Daniel Kaliski
Medical Care 60(7), 488-495, 2022
Journal

Amazon Without Borders Revisited: Impact of Online Sales Tax Collection on Shopping and Search
Journal of Economics & Management Strategy 31(1), 48-63, 2022
Journal Working Paper

Other Publications

Timing of Flood Insurance Payments
with John Orellana-Li
Federal Reserve Bank of Philadelphia Research Brief (2024)
Link

Reproducibility in Management Science
with Miloš Fišar, Ben Greiner, Christoph Huber, Elena Katok, Ali I. Ozkes, and the Management Science Reproducibility Collaboration (member) Management Science
Journal

Credit Card Trends During the COVID-19 Pandemic
Federal Reserve Bank of Philadelphia Supervisory Research Forum Spotlight (2021 Q4)
Link

Is Credit Card Forbearance Worth It?
with Xudong An, Larry Cordell, Erik Dolson, and Nilim Roy
Federal Reserve Bank of Philadelphia SRC Research Brief (2021)

Resting Working Papers

Made from Scratch: How SNAP Benefits Affect Lottery Sales
with Jason Sockin, 2021