First Author:   Elisabetta Ottoz Department of Economics elisabetta.ottoz@unito.it   Dipartimanto di Economia, via Po 53 Torino, 10124, Italy   00390116702704(Phone) 00390116702704(Fax) Second Author: Franco Cugno Department of Economics franco.cugno@unito.it   Dipartimento di Economia, via Po 53 Torino, 10124, Italy     00390116702762(Fax)