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aggregate Albert Ando analysis Asia-Pacific assets auto insurance auto specialists automobile insurance average Barro birth Bureau of Economic Card and Krueger Census central bank rate coefficient cohort conditional convergence continental trade blocs countries dependent variables direct writers dummy East South Central Economic Growth Economic Research effect of quality empirical employee ownership equation ESOP estimated evidence external liberalization Frankel Health increase indicate inflation insurance market interest rates investment Journal Kathleen McGarry list of NBER low birthweight market shares Massachusetts Avenue measures medical risk migration monetary policy National Bureau NBER Working Papers NHIS-CHS number of firms p-value Paper Series Partial Subscription Participation pension plans percent pre-school pupil-teacher ratio quality effects quality on earnings region of residence regression relationship relative return to education Russell Cooper sample schooling quality significant South Central SPREAD statistically studies Table term length term structure trade blocs U.S. dollars wage yield curve spread