1. School of Business and Economics University of Jyväskylä Jyväskylä Finland
2. Labour Institute for Economic Research Arkadiankatu 7 (Economicum) Helsinki Finland
3. IZA Institute of Labor Economics Bonn Germany
4. Department of Psychology and Logopedics, Faculty of Medicine University of Helsinki Helsinki Finland
5. National Institute for Health and Welfare Helsinki Finland
6. The Research Institute of the Finnish Economy Helsinki Finland