1. Department of Economics, University of Waikato, Private Bag 3105, Hamilton 3240, New Zealand
2. National Institute of Demographic and Economic Analysis, University of Waikato, Private Bag 3105, Hamilton 3240, New Zealand
3. School of Economics and Finance, Massey University, Private Bag 102904, Auckland 0745, New Zealand
4. School of Psychology, Faculty of Health, Deakin University Geelong, Locked Bag 20001, Geelong, Victoria 3220, Australia