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CERP for many fruitful discussions. Moreover, we would like to thank Axel Börsch-Supan, Elsa Fornero, (2010)

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by Tabea Bucher-koenen , Michael Ziegelmeyer , Martin Gasche , Michael Haliassos , Lena Janys , Johannes Koenen , Lisa Kramer , Annamaria Lusardi , Chiara Monticone , Matthias Weiss