This is an updated version of the paper with the same title released as NBER Working Paper #27329, released on June 8, 2020. No RAs were harmed in the writing of this paper. We thank Ricardo Perez-Truglia for useful comments. The views expressed herein are those of the authors and do not necessarily reflect the views of the National Bureau of Economic Research. NBER working papers are circulated for discussion and comment purposes. They have not been peer-reviewed or been subject to the review by the NBER Board of Directors that accompanies official NBER publications.