Government: Health, Education, Welfare, Public Pensions), I210 (Analysis of Education), I26 (Returns to

D04 (Microeconomic Policy: Formulation, Implementation, and Evaluation), H75 (State and Local

Education, I28 (Government Policy), D14 (Personal Finance) I210 (Analysis of Education)

Health and Inequality; Health Behavior; Health Insurance, Public and Private; Welfare Economics

; Equity, Justice, Inequality, and Other Normative Criteria and Measurement;

J64 Unemployment: Models, Duration, Incidence, and Job Search

Criteria for Decision-Making under Risk and Uncertainty, Neuroeconomics

D91 Role and Effects of Psychological, Emotional, Social, and Cognitive Factors on Decision Making

I25 Education and Economic Development; I38 Government Policy • Provision and Effects of Welfare

: C93 (field experiments), D15 (intertemporal household choice), I21 (analysis of education)

C93 (Field Experiments), D14 (Personal Finance), D18 (Consumer Protection), G51 (Household Borrowing)

C91, Laboratory, Individual Behavior; D91, Role and Effects of Psychological, Emotional, Social

, and Cognitive Factors on Decision Making; D18, Consumer Protection;

J24 (Returns to Education)