Moral hazard means that people with insurance may take greater risks because they know they do not bear the full consequences of their actions. This can occur with both private insurance and social insurance. Deductibles can be used to alleviate the problem. An interesting way to bring...

Moral hazard means that people with insurance may take greater risks because they know they do not bear the full consequences of their actions. This can occur with both private insurance and social insurance. Deductibles can be used to alleviate the problem. An interesting way to bring...

Euroopan maat eroavat työmarkkinakäytäntöjensä suhteen. Muutokset ovat olleet huomattavia 1980-luvun alusta lähtien. Iso-Britanniassa työntekijöiden järjestäytymisaste on laskenut merkittävästi ja yrityksillä on itsenäinen asema palkanasetannassa. Saksassa liittotason...

This report studies differences in the wage structure between part-time and full-time employees in the service sector in 1990-2006. Using wage data from the registers of the Confederation of Finnish Industries, the report describes and compares wage distributions and their changes in the service...