Sigitas Karpavicius University of Adelaide   Flinders Business School Flinders University GPO Box 2100 Adelaide, SA 5001 Australia   sigitas.karpavicius@adelaide.edu.au   http://www.flinders.edu.au/people/sigitas.karpavicius           JEL Areas: D1 : Household Behavior: General C2 : Single Equation Models; Single Variables: General