First Author:   Guillermo Cruces STICERD-London School of Economics and Political Science g.a.cruces@lse.ac.uk   STICERD-LSE, Houghton St. London, WC2A 2AE, United Kingdom   +44-794-12-17-333(Phone) +44-794-12-17-333(Fax) http://darp.lse.ac.uk/cruces Second Author: Quentin T. Wodon The World Bank qwodon@worldbank.org   1818 H Street NW, Room. J5-145 Washington, 20433, USA