@article{PikulinaFerreira2026,
  title   = {Subtle Discrimination},
  author  = {Pikulina, Elena S. and Ferreira, Daniel},
  journal = {The Journal of Finance},
  year    = {2026},
  volume  = {81},
  number  = {1},
  pages   = {329--369},
  doi     = {10.1111/jofi.13506}
}