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The following queries have arisen during the typesetting of your manuscript. Please answer these queries by marking the required corrections at the appropriate point in the text. AQ1: Please check if the short title provided is correct. AQ2: Please check that all names have been spelled correctly and appear in the correct order. Please also check that all initials are present. Please check that the author surnames (family name) have been correctly identified by a pink background. If this is incorrect, please identify the full surname of the relevant authors. Occasionally, the distinction between surnames and forenames can be ambiguous, and this is to ensure that the authors ’ full surnames and forenames are tagged cor-rectly, for accurate indexing online. Please also check all author affiliations. AQ3: Please check if the corresponding author provided is correct. AQ4: Please provide the JEL codes for this article. AQ5: Please check the sentences “Appropriately rationalizing the model is more...”; “We show that the expected payoff... ” and “In the no overwriting version of our... ” for clarity. AQ6: Please check that special characters, equations, dosages and units, if applicable, have been reproduced accurately. AQ7: Remember that any funding used while completing this work should be highlighted in a separate Funding section. Please ensure that you use the full official name of the funding body. AQ8: Please provide the editor names and publisher location for Arrow