A particularly important sector for the stability of financial systems is the banking sector. Banks play a central role in the money creation process and in the payment system. Moreover, bank credit is an important factor in the financing of investment and growth. Faltering banking systems have

First, I would like to thank to Dimka Karastoyanova and Mariano Cilia for all the fruitful discussions, their guidance and support through the course of this project. Thanks also to Prof. Alejandro Buchmann who sponsored my stay at Technische Universität Darmstadt during the spring of 2004. The special thanks go to my advisor, Mariano Cilia, who has made all this possible. Finally, I’d like to thank to my family for all these years of support.

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This report focuses on the evidence about the health.consequences of smoking for women, and is intended to serve.the public health and medical communities as 'a unified source of existing scientific research. The major issues about tobacco use and women's health are examined, including trends in consumption, biomedical evidence, and determinants of smoking ititiation, maintenance, and cessation. The biomedical aspects ofsmoking are presented in terms of mortality, morbiplity, cardiovasculaidiseases, cancer, pregnancy and infant,health,, Teptic ulcer disease, drug reactions and, interactions, food constituents, and responses to,diagnostic tests. The psychosocial and behavioraj. aspects, of smoking in women are discussed, along with the docffiented increases in- the risk of contracting lung cancer, heart,disease, or lung disease. The harmful effects of pregnant mothers smoking behaviors, are also docudented. Adhitionally, recent data are enumerated to indicate a trend of,decreasing tobacco usage among women in response to the warnings of the gavernMent, voluntary agencie, and physicrins. (Author /NRB)' DOCUMENT RESUME cc 015 465

in partial ful2llment of the requirements for the degree of

I declare that this thesis is my own account of my research and contains as its main content work which has not previously been submitted for a degree at any tertiary education institution.

spillovers in financial markets*

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