@techreport{NBERw13191,
 title = "The Age of Reason: Financial Decisions Over the Lifecycle",
 author = "Sumit Agarwal and John C. Driscoll and Xavier Gabaix and David Laibson",
 institution = "National Bureau of Economic Research",
 type = "Working Paper",
 series = "Working Paper Series",
 number = "13191",
 year = "2007",
 month = "June",
 URL = "http://www.nber.org/papers/w13191",
}