1. Department of Economics William & Mary Chancellors Hall, 300 James Blair Drive Williamsburg Virginia 23185 USA
2. Department of Economics Tufts University, Joyce Cummings Center 177 College Avenue Medford Massachusetts 02155 USA
3. National Bureau of Economic Research 1050 Massachusetts Avenue Cambridge Massachusetts 02138 USA
4. Federal Reserve Board 20th Street and Constitution Ave NW Washington DC 20551 USA
5. Department of Health Policy & Management University of Pittsburgh School of Public Health 130 DeSoto St., A610 Pittsburgh Pennsylvania 15261 USA