pension wealth created by Poland's 1999 pension reform. Using the 1997-2003 Polish Household Budget Surveys, we begin by … estimating “difference-in-differences” regressions, where we compare household saving and expenditure across time and between … household saving. We also find heterogeneity in responses. For the middle-aged cohorts, we find a large public pension crowd …

pension wealth created by Poland's 1999 pension reform. Using the 1997–2003 Polish Household Budget Surveys, we begin by … estimating "difference-in-differences" regressions, where we compare household saving and expenditure across time and between … household saving. We also find heterogeneity in responses. For the middle-aged cohorts, we find a large public pension crowd …

Using credit report records and data collected from several household surveys, we analyze changes in household debt and … to become harder to obtain during 2010. -- household debt and saving ; 2007 recession ; credit access ; mortgage debt … appears to reflect a considerable decline in household debt, as households paid down mortgage debt in particular. At the end …