1. Utrecht University School of Economics, PO Box 80125, 3508 TC Utrecht, the Netherlands
2. Network for Studies on Pensions, Aging and Retirement (Netspar), Tilburg University, Tilburg, the Netherlands
3. Network for Studies on Pensions, Aging and Retirement (Netspar), University of Groningen, Groningen, the Netherlands
4. Network for Studies on Pensions, Aging and Retirement (Netspar), Leiden University, Leiden, the Netherlands
5. CentERdata, Tilburg, the Netherlands