%0 Journal Article %A Lakhbir S Hayre %T A Simple Statistical Framework for Modeling Burnout and Refinancing behavior %D 1994 %R 10.3905/jfi.1994.408117 %J The Journal of Fixed Income %P 69-74 %V 4 %N 3 %U https://jfi.pm-research.com/content/iijfixinc/4/3/69.full.pdf