José antonio Núñez-mora Tecnologico de Monterrey, EGADE Business School   janm@itesm.mx México, México 52910 México   janm@itesm.mx             JEL Areas: E2 : Macroeconomics: Consumption, Saving, Production, Employment, and Investment: General (includes Measurement and Data) E6 : Macroeconomic Policy, Macroeconomic Aspects of Public Finance, and General