Jari Hännikäinen University of Tampere   Kanslerinrinne 1 School of Management University of Tampere Tampere, FI-33014 Finland   jari.hannikainen@uta.fi             JEL Areas: E3 : Prices, Business Fluctuations, and Cycles: General (includes Measurement and Data) E4 : Money and Interest Rates: General