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2nd period wage access to capital additional transition costs adverse selection apprenticeship average Becker Becker's prediction benefits capital markets CATHERWOOD LIBRARY coefficients conditional expectation contribution to output dismiss the worker dummies employment expected profit expected utility find another job fired firm's expected front loaded compensation high school hires household heads HUMAN RESOURCE STUDIES income increase involuntary termination involuntary turnover job offer keep rate liquidity constraint locus of control marginal cost match Ohio State University on-the-job training order condition payoff period percent positive Pr(K Pr(S prior probability probability receipt of training reduced rent retention rate risk of dismissal second period wage share the costs signal skills sorting effect specific human capital specific training starting wage stay rate test scores training costs training investment utility variables wage elasticities wage growth wage profile wage rates worker's discount factor worker's productivity worker's reputation