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Acemoglu adaptability channel adaptability indicators British common law British legal origin channel stresses civil law countries codified common law countries contracts correlated Daron Acemoglu Dawson Demirguc-Kunt differences in financial efficiently exogenous component explain cross-country differences explain financial development F-test Financial Economics financial markets France French civil law French law French legal origin German civil law German legal origin instrumental variables judicial independence judiciary jurisprudence Justinian Latitude and Independence law and finance Legal Justification legal origin countries legal origin dummy legal origin explains legal origin help legal origin influences legal origin matters legal system adaptability legal traditions differ LLSV Lopez-de-Silanes Merryman Napoleonic doctrine NBER OIR test origin dummy variables origin explain financial origin help explain paper political and adaptability political channel indicators Political Indicator Porta Private Credit private property rights Roman law saSpnf Shleifer statutory law Stock Market Development Supreme Court Judges Supreme Court Power Tenure of Supreme uiSuo