Berk and DeMarzo (2020) provide the following quotation (see below). Indicate what is implied in this quote and what ramifications it has for our understanding of finance and market efficiency. Include at least two citations that support your response.   A finance professor and a student are walking down a street. The student notices a $100 bill lying on the pavement and leans down to pick it up. The finance professor immediately intervenes and says, “Don’t bother; there is no free lunch. If that were a real $100 bill lying there, somebody would already have picked it up!” (Berk & DeMarzo, 2020, p. 81)

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