Institution: | Bayer:;Associate Professor, Department of Economics, Duke University, Box 90097, Durham, NC 27708. Phone 919-660-1832;Fax 919-684-8974;E-mail Bernheim:;Professor, Department of Economics, Stanford University, Stanford, CA 94305-6072. Phone 650-725-8732;Fax: 650-725-5702;E-mail Scholz:;Professor, Department of Economics, University of Wisconsin - Madison, 1180 Observatory Drive;Madison, Wisconsin 53706-1393. Phone 608-262-5380;Fax 608-265-3119;E-mail: |