D14 (Household Saving, Personal Finance); G51 (Household Saving, Borrowing, Debt, and Wealth); I14

(Health and Inequality); H24 (Personal Income and Other Nonbusiness Taxes and Subsidies); I24

(Education and Inequality); I31 (General Welfare, Well-Being); I38 (Government Policy, Provision and

Effects of Welfare Programs); I24 (Education and Inequality); J24 (Human Capital, Skills, Occupational

Choice, Labor Productivity); P46 (Consumer Economics, Health, Education and Training, Welfare, Income, Wealth, and Poverty)

D72, D83, L82

O13, O17, Q13

D9, D83, D64, C91

C91, D83, J24, J54

D73, D83, D84, I23

I21, O15, O33, D83

C9; D72; D83; D91; H23 ; Q52

O33 Technological Change: Choices and Consequences • Diffusion Processes M53 Training K41 Litigation Process C45 Neural Networks and Related Topics

C90; D01; D83; D91; R11