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education, lifetime income, early conditions, Europe
human capital, instrumental variables, nested models
lifetime earnings, returns to education, Europe
household savings, financial literacy, divorce
marginal products, resource allocation, firm-specific factors, economic growth
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economic growth., firm-specific factors, Marginal products, resource allocation
digitization, automation, training, productivity
financing constraints, training, Europe
trade, innovation, firm performance, business environment, COVID-19
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