?url_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Adissertation&rft.aulast=Padula&rft.aufirst=Mario&rft.au=Padula%2C+Mario&rft.date=2002&rft.title=Household+investment+behaviour%3A+Empirical+investigations+of+durable+consumption%2C+returns+to+human+capital%2C+and+borrowing+restrictions&rft.tpages=152&rft.inst=UCL+(University+College+London)&rft.degree=Doctoral