An NBER working paper* published this week by Sumit Agarwal of the National University of Singapore, Souphala Chomsisengphet of the Treasury Department, Neale Mahoney of the University of Chicago and Johannes Stroebel of New York University looks at data from hundreds of millions of credit cards from 2008 to 2014 to work out why the results were so disappointing.
Take context from the input text and decide on the accurate relationship between 'millions' and 'Chicago' from the options provided.
Options: distribution format, original broadcaster, owned by, location of formation