Url: https://growthlab.hks.harvard.edu/files/growthlab/files/2019-05-cid-wp-353-holding-exchange-reserves.pdf&ved=2ahUKEwismJ_K4qWMAxXBFhAIHTD0H9sQFnoECBAQAQ&usg=AOvVaw0R9c4mj48ZVhxeeH6SuUnj

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