Hellwig, Martin Max Planck Institute for Research on Collective Goods, Max Planck Society;
http://www.cesifo-group.de/pls/guestci/download/CESifo%20Forum%202008/CESifo%20Forum%204/2008/forum4-08-focus3.pdf (Any fulltext)
Hellwig, M. (2008). The Causes of the Financial Crisis. CESifo Forum, 9, 12-21.