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How long have you lived here? bill char cheap generic propecia finasteride courage insufficient Fama's later work, and the work of the other new Nobelists, further refined our understanding of risk. Fama's more recent work helped us understand what kinds of risk investors are compensated for and how the return from risk varies over time and with economic conditions. Shiller's work showed that asset prices are more volatile than models would predict, but there may be some predictability to returns over long horizons. Shiller may be skeptical that asset prices accurately reflect all information, but he still believes markets work. He advocates more financial innovation, based on his ideas, including products that hedge housing price risk and swings in economic activity.