"National Bureau of Economic Research (Estados Unidos)" . . "privat opsparing." . . . . "National Bureau of Economic Research" . . "National Bureau of Economic Research." . . . . . . . . . . . . . . . . . . . . . . "Hyperbolic discount functions, undersaving, and savings policy"@en . "Hyperbolic discount functions, undersaving, and savings policy" . . . . . . "Hyperbolic discount functions, undersaving, and saving policy" . . . . "Hyperbolic Discount Functions, Undersaving, and Savings Policy" . "Hyperbolic Discount Functions, Undersaving, and Savings Policy"@en . . . . . "Sparen Sparförderung Wohlfahrtstheorie Zeitökonomik Theorie." . .