First Author:   Katarina R. I. Keller Susquehanna University keller@susqu.edu   Department of Economics, Sigmund Weis School of Business, Susquehanna University, 514 University Avenue Selinsgrove, 17870, U.S.A.   +1-570-372-4542(Phone) +1-570-372-4542(Fax) Second Author: Panu Poutvaara Centre for Economic and Business Research, Copenhagen Business School panu.poutvaara@cebr.dk   Centre for Economic and Business Research, Copenhagen Business School, Porcelaenshaven, Bldg. 65 Frederiksberg, 2000, Denmark   +45 3815 3494(Phone) +45 3815 3499(Fax) http://www.cebr.dk/pp.html