13  Some, including DeLong and Summers (2012) and Summers (2014), have argued that stimulative fiscal policies should be used to raise demand and counter adverse hysteretic effects on potential output. See J. Bradford DeLong and L. H. Summers, “Fiscal Policy in a Depressed Economy,” Brookings Papers on Economic Activity (Spring 2012): 233–297; Also L. Summers, “U.S.
Moreover, relevant, accurate, and reliable financial information must be readily available to consumers at the time they are making their decisions. Given the ubiquity of smartphones, applications for mobile devices may be one effective method of delivering this just-in-time information at a relatively low cost.