Munetomo Ando Advanced Research Institute for the Sciences and Humanities (ARISH), Nihon University   12-5, Goban-cho, Chiyoda-ku, Tokyo 102-8251, Japan Tokyo, 102-8251 Japan   munetomo. ando@arish.nihon-u.ac.jp   http://lab.arish.nihon-u.ac.jp/munetomoando/index_e.html           JEL Areas: