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A-levels ADVERSE SELECTION ASPECTS adverse selection hypothesis adverse selection process Age at marriage amongst lone mothers Aris Spanos associated with higher BIRKBECK COLLEGE categorical variables category for categorical cent cohort effects comparative advantage consistent with adverse covariates demographic structure DHSS differences divorce and remarriage Duncan and Hoffman duration economic circumstances empirical Employment Survey Ermisch ever-married mothers exit rates First-birth gains from marriage Haskey heterogeneity higher relative risks human capital Huw Dixon income ione labour market leaving lone motherhood lone motherhood entry LONE MOTHERHOOD TURNOVER lone parenthood lone parents low earnings potential marital search panel data percent of black poor lone mother POVERTY AMONGST LONE pre-marital birth probability of leaving Probit proportional hazard proportional hazard model remarriage rates remarriage risk Richard Portes risk aversion risk of divorce risk of poverty search and matching seiection selection effects social security social security benefits standard deviation Stefan Szymanski woman's Women and Employment