Andreas Fuster1, David Laibson1, Brock Mendel1. 1. Andreas Fuster is a Ph.D. candidate in Economics, David Laibson is the Robert I. Goldman Professor of Economics, and Brock Mendel is a Ph.D. candidate in Economics, all at Harvard University, Cambridge, Massachusetts. Laibson is also a Research Associate, National Bureau of Economic Research, Cambridge, Massachusetts.