1. Raymond A. Mason School of Business, College of William and Mary, Williamsburg, Virginia 23185
2. UNSW Business School, UNSW Australia, Sydney NSW 2052, Australia
3. Business School, University of Technology Sydney, Ultimo NSW 2007, Australia
4. Research School of Economics, The Australian National University, ACT 2601, Australia; and ARC Centre of Excellence in Population Ageing Research, UNSW Australia, Sydney NSW 2052, Australia
5. School of Marketing, University of South Australia, Adelaide SA 5001, Australia
6. University of Sydney Business School, University of Sydney, NSW 2006, Australia