Cogan, John F.Mitchell, Olivia S2023-05-232023-05-232008-01-012020-03-09https://repository.upenn.edu/handle/20.500.14332/44049All findings, interpretations, and conclusions of this paper represent the views of the authors and not those of the Wharton School or the Pension Research Council. © 2008 Pension Research Council of the Wharton School of the University of Pennsylvania. All rights reserved.EconomicsWorking Paper