Jaime Alonso-carrera University of Vigo   Campus As Lagoas-Marcosende Campus As Lagoas-Marcosende Vigo, 36310 Spain   jalonso@uvigo.es   http://webs.uvigo.es/jalonso           JEL Areas: D9 : Intertemporal Choice and Growth: General E0 : Macroeconomics and Monetary Economics: General