Institution: | a Department of Finance, School of Business and Economics, Maastricht University, P.O. Box 616, 6200 MD Maastricht, The Netherlands;b Network for Studies on Pensions, Aging and Retirement (Netspar), P.O. Box 90153, 5000 LE Tilburg, The Netherlands;c Department of Innovation Management and Strategy, Faculty of Economics and Business, University of Groningen, P.O. Box 800, 9700 AV Groningen, The Netherlands |