Study realised by Robert J. Gary-Bobo (CREST, ENSAE) and Meryam Zaiem (CREST, ENSAE)
Study realised by D. Christelis (CSEF, University of Salerno), D. Georgarakos (Goethe University Frankfurt and CFS) and M. Haliassos (Goethe University Frankfurt, CFS, MEA)