Satoshi Shimizutani Institute of Economic Research, Hitotsubashi University   Toranomon 30 Mori Building 6th floor, Toranomon 3-2-2 Minato-ku, Tokyo 105-0001 Japan   sshimizutani@hotmail.com             JEL Areas: D1 : Household Behavior: General I0 : Health, Education, and Welfare: General