@article{komarova_2026_nonlattice,
  author  = {William Matcham},
  title   = {Multivariate Ordered Discrete Response Models with Two Layers of Dependence},
  journal = {SSRN Working Paper},
  year    = {2026},
  note = {\newline {\texttt{http://dx.doi.org/10.2139/ssrn.4103429}}}
}