Michael BenGad Professor City University   Department of Economics City University London London, EC1V 0HB United Kingdom   Michael.Ben-Gad.1@city.ac.uk   http://www.city.ac.uk/social-sciences/academic-staff-profiles/professor-michael-ben-gad           JEL Areas: E2 : Macroeconomics: Consumption, Saving, Production, Employment, and Investment: General (includes Measurement and Data) I1 : Health: General