First Author:   Erdal Atukeren ETH Zurich, KOF - Swiss Economic Institute atukeren@kof.ethz.ch   ETH Zurich, KOF Swiss Economic Institute, Weinbergstrasse 35, WEH C12 Zurich, CH - 8092, Switzerland   +41 44 632 4683(Phone) +41 44 632 4683(Fax) http://www.kof.ethz.ch Second Author: Aylin Seçkin Istanbul Bilgi University aseckin@bilgi.edu.tr   Istanbul Bilgi University, Department of Economics, Inönü Cad. No:28 Kuştepe – Şişli, Istanbul, 34387, Turkey