Use the table for the question(s) below.
Consider the following information regarding the Fama French Carhart four factor model: 
-According to study by Berk and van Binsbergen,which risk model determines mutual fund flows?
Definitions:
John Locke
A 17th-century English philosopher known for his work on political philosophy and theory of knowledge.
Leviathan
Often refers to a large, powerful sea creature in biblical literature, or metaphorically to something very large and powerful.
State Of Nature
A concept in political philosophy regarding the hypothetical conditions of human beings before or without political association.
Social Contract
A theory or model that explains the legitimacy of the authority of the state over the individual.
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