Joao Ricardo Faria University of Texas at Dallas   School of Social Sciences, P.O. Box 830688, GR 31 Richardson, Texas 75083-0688 USA   jocka@utdallas.edu   http://www.utdallas.edu/~jocka/       Primary Research Focus: Macroeconomics   JEL Areas: E0 : Macroeconomics and Monetary Economics: General D9 : Intertemporal Choice and Growth: General