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24  Ljungqvist, L., and T. Sargent, 1998, “The European unemployment dilemma”, Journal of Political Economy 106, 514–550. 25  Popov, A, 2014, “Credit constraints and investment in human capital: Training evidence from transition economies”, Journal of Financial Intermediation 23, 76–100. BIS central bankers’ speeches  9  completely shut out of firm-provided on-the-job training.