Time Preferences and Consumer Behavior

the multiple proxies procedure, and Allen Bellas and conference and seminar participants at UNCG, GSU, Harvard School of Public Health, and the Midwest Economics Association meetings for helpful comments. Ruhm thanks the University of Virginia Bankard Fund for partial financial support. The views expressed in this article are those of the authors and do not necessarily reflect those of the Federal Trade Commission. The views expressed herein are those of the authors and do not necessarily reflect the views of the National Bureau of Economic Research. NBER working papers are circulated for discussion and comment purposes. They have not been peer-reviewed or been subject to the review by the NBER Board of Directors that accompanies official NBER publications