You Owe Me

Ulrike Malmendier, Klaus Schmidt

NBER Working Paper No. 18543
Issued in November 2012

---- Acknowledgements -----

We would like to thank Yan Chen, Rachel Croson, Robert Dur, Ernst Fehr, Rudolf Kerschbamer, Matthias Kräkel, George Loewenstein, Cristina Nistor and seminar participants in the 2011 ASSA meetings, the Third Behavioral Economics Annual Meeting (BEAM) and at the universities of Aix-Marseilles, Berkeley, Emory, Innsbruck, Maas-tricht, MIT, Munich, Pennsylvania, Princeton, and Toulouse for comments and suggestions. Leonie Giessing, Jana Jarecki, Sara Kwasnick, Eddie Ning, and Slobodan Sudaric provided excellent research assistance. Financial support by Deutsche Forschungsgemeinschaft through SFB-TR 15, the Excellence Initiative of the German government, and the Alfred P. Sloan Foundation is gratefully acknowledged. The views expressed herein are those of the authors and do not necessarily reflect the views of the National Bureau of Economic Research.

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