Plamen Nikolov State University of New York (at Binghamton); Harvard Institute for Quantitative Social Science   4400 Vestal Parkway East Economics Dept, LT 909 Binghamton, NY 13901 USA   nikolov.pv@gmail.com             JEL Areas: D8 : Information, Knowledge, and Uncertainty: General D9 : Intertemporal Choice and Growth: General