Study realised by D. Christelis (CSEF, University of Salerno), D. Georgarakos (Goethe University Frankfurt and CFS) and M. Haliassos (Goethe University Frankfurt, CFS, MEA)

Study realised by Michel Boutillier (EconomiX, Paris X Nanterre University & CNRS), Nathalie Lévy (Tours University & EconomiX) and Valérie Oheix (EconomiX, Paris X Nanterre University & CNRS)

Study realised by Wolfram J. Horneff (Goethe University), Raimond H. Maurer (Goethe University), Olivia S. Mitchell (The Wharton School
University of Pennsylvania), and Michael Z. Stamos (Goethe University)