First Author:   Gil Epstein Bar-Ilan University, CEPR and IZA epsteig@mail.biu.ac.il   Dep. of Economics,, Bar-Ilan University Ramat Gan, 52900, Israel   +972 52 8550407(Phone) +972 52 8550407(Fax) http://faculty.biu.ac.il/~epsteig Second Author: Yosef Mealem Netanya Academic College yossime1@bezeqint.net