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Microsoft Word - discussion139.doc
... effect of education on starting and quitting smoking, using longitudinal data of australian twins. the endogeneity of education, censoring of smoking durations and the timing of starting smoking versus the ... , censoring of smoking durations and the timing of starting smoking versus the timing of completion of education. we estimate hazard rate models for smoking and non-smoking durations using ...
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Microsoft Word - cpbdoc96
... we present our analytical framework for analysing competition in the market for life insurance. the starting point of our framework is the vertical structure of the market, which is characterised by ... very few individuals buy impaired life annuities, although 40% were eligible (due to health conditions, smoking history etc.). the overall impression is that consumers are not fully rational in their ...
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