Lara N. Rangel Data Science Team, Itaú Unibanco   Av. Eng. Armando de Arruda Pereira, 1000 São Paulo, SP 04308000 Brazil   laranassar.rangel@gmail.com   https://www.itau.com.br           JEL Areas: C1 : Econometric and Statistical Methods: General D6 : Welfare Economics: General