id	author	title	date	pages	extension	mime	words	sentence	flesch	summary	cache	txt
fsr-3820	Cagle, Julie A.B.; Porter , Gary E.	Conversions of Mutual Savings Institutions: Do Initial Returns From These IPOS Provide Investors With Windfall Profits?	1997	10	.pdf	application/pdf	4650	245	50	Thrift conversions were verified using a list of approved conversions from the OTS and the Lexis/Nexis database. Converting thrift institutions are substantially older than the banks at the time of the initial offering.	cache/fsr-3820.pdf	txt/fsr-3820.txt