Frederic Vermeulen Center for Economic Studies - University of Leuven   Naamsestraat 69 Leuven, 3000 Belgium   frederic.vermeulen@econ.kuleuven.ac.be   http://www.econ.kuleuven.ac.be/ew/academic/econover/Members/frederic.htm       Primary Research Focus: consumption behaviour ; labour supply ; microeconometrics   JEL Areas: C1 : Econometric and Statistical Methods: General G2 : Financial Institutions and Services: General