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1050 Massachusetts Avenue abnormal returns agents analysis annuity average basis points Bureau of Economic CAPM changes coefficients cost conditions Daron Acemoglu deadweight loss displaced workers diversion is permitted diversion is prohibited dollar dummy earnings Economic Research effects employment estimates ex ante share exit Feldstein firm function Growth Health households Hoxby incentive income increase individual annuity insider trading instructions inside investment job destruction job loss jurisdictions Mark McClellan Martin Feldstein Massachusetts Avenue measure Medicare Michael Woodford monthly Morocco National Bureau NBER Working Paper optimal managerial contract papers in hard Partial Subscription participation constraint payment percent performance-evaluation permitting value diversion price level price of alcohol productivity profit purchase and sale purchase portfolio reduce retirement Russell Cooper sale portfolios sample share value shareholders significant social planner stocks Table tariffs tax rate TIAA TIAA-CREF trade policy trade reform transactions U.S. dollars value-weighted variables violence