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© 1998 Pension Research Council of the Wharton School of the University of Pennsylvania. All Rights Reserved.
This paper was prepared with research support from the World Bank LCSF Program. Helpful comments and assistance were provided by Gloria Grandolini, P.S. Srinivas, Truman Packard, and members of CONSAR. However all opinions remain solely those of the author.
Date Posted: 16 September 2019