Is One Watchdog Better than Three? International Experience with Integrated Financial-Sector Supervision (in English) Authors: Čihák, Martin; Podpiera, Richard Pages: 102-126 Estimating the Evolution of Tax Evasion: A Markov Chain Analysis Applied to the Czech Republic (in Czech) Authors: Hanousek, Jan; Palda, Filip Pages: 127-151 Credit-Scoring Methods (in English) Authors: Kočenda, Evžen; Vojtek, Martin Pages: 152-167 A Behavioural Finance Explanation of a Gearing-? Inverse Association Referencing Weill?s Liquidity Result (in English) Authors: Halperin, Michael; Lusk, Edward J.; Yue, Li Pages: 168-177