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adaptability channel adaptability indicators Beck British common law British legal origin civil law countries codified common law countries contrast Dawson Demirguc-Kunt determinants of financial differences in financial efficiently exogenous component explain cross-country differences explain financial development F-test financial markets France French civil law French legal origin German civil law German legal origin influences financial development instrumental variables judicial independence judiciary jurisprudence Justinian Latitude and Independence law and finance law tradition legal origin countries legal origin dummy legal origin explains legal origin help legal origin influences legal system adaptability legal traditions differ levels of financial Levine LLSV Lopez-de-Silanes Merryman Napoleonic doctrine OIR test origin dummy variables origin explain financial origin help explain origin influences finance political and adaptability political channel indicators Political Indicator Private Credit private property rights Research Working Paper Roman law September 2002 September Shleifer statutory law Stock Market Development Supreme Court Judges Tenure of Supreme World Bank