Sorry to have not responded earlier. You might try: Loewenstein, George and Richard H. Thaler. 1989. "Anomalies: Intertemporal Choice." Journal of Economic Perspectives, 3: 4 (Autumn): pp. 181-93. -- Michael Perelman Economics Department California State University Chico, CA 95929 Tel. 530-898-5321 E-Mail [EMAIL PROTECTED]