Fernando Barros jr FEARP/USP   Av. Bandeirantes, 3900 Ribeirão Preto, SP 14040-905 Brasil   fabarrosjr@usp.br             JEL Areas: E2 : Macroeconomics: Consumption, Saving, Production, Employment, and Investment: General (includes Measurement and Data) E0 : Macroeconomics and Monetary Economics: General