Submitted on: 09 January 2005.
Revised on: 06 February 2005.
Accepted on: 23 February 2005.
___________________JOURNAL OF ECONOMIC PSYCHOLOGY
Submitted on: 18 June 2002.
Revised on: 15 September 2002.
Accepted on: 20 October 2002.
___________________JOURNAL OF ECONOMIC PSYCHOLOGY
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