j24 I25 I21 O15

I18, I31, C93, O17, R23, R28

D91, D84, I24, I25, C93, D83

D81 (Decision-making), G33 (bankruptcy), D12 (Consumer Economics: Empirical Analysis)

I15; I25; J13; J16; O15

and behavior of economic agents); I2 (Education and Research Institutions); J2 (demand and supply of labor); J3 (wage, compensation, and labor costs)

H2 (taxation, subsidies, and revenue); I3 (welfare, well-being, and poverty); H3 (fiscal policies

J24 (Returns to Education)

C93, D22, E31, G31, J51, L11

O - Economic Development, Innovation, Technological Change, and Growth, I12 (Health Behavior), D90

(General micro-based behavioral economics), D83 ( Information, Knowledge, and Uncertainty - Search

• Learning • Information and Knowledge • Communication • Belief • Unawareness)

I2, I24, J24