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DONALD P. JACOBS. Business Loan Costs and Bank Market Structure: An Empirical Estimate of Their Relations. Occasional Paper 115,National Bureau of Economic Research. Pp. 103. New York: Columbia University Press,1971. $5.00. EDGAR R. FIEDLER,assisted by MAUDE R. PECH. Measures of Credit Risk and Experience. National Bureau of Economic Research Series. Pp. 357. New York: Columbia University Press,1971. $12.50