1. School of Business and Economics; University of Jyvaskyla; PL 35, 40014 Jyväskylän yliopisto Finland
2. Statistics Finland; Työpajankatu 13, 00580 Helsinki
3. Research Institute for Finnish Economy; Helsinki and School of Business and Economics; University of Jyvaskyla; PL 35, 40014 Jyväskylän yliopisto Finland