@article{raad_guedes_2015,  title={Private Transfer Choices under Uncertainty in Human Capital},  volume={69},  ISSN={0034-7140},  url={https://doi.org/10.5935/0034-7140.20150005},  DOI={10.5935/0034-7140.20150005},  number={1},  journal={Revista Brasileira de Economia},  publisher={Fundação Getúlio Vargas},  author={Raad, Rodrigo J. and Guedes, Gilvan R.},  year={2015},  month={Jan},  pages={105–124} }