@article {36482,
	title = {"The Age of Reason: Financial Decisions over the Life-Cycle and Implications for Regulation"},
	journal = {Brookings Papers on Economic Activity},
	volume = {2009},
	number = {2},
	year = {2009},
	pages = {51-117},
	author = {Sumit Agarwal and John Driscoll and Xavier Gabaix and David Laibson}
}
