About the Authors

Anu Polvinen

Roles Conceptualization, Formal analysis, Writing – original draft, Writing – review & editing

anu.polvinen@etk.fi

Affiliation Finnish Centre for Pensions, Helsinki, Finland

Sanna Tenhunen

Roles Conceptualization, Writing – original draft, Writing – review & editing

Affiliation Finnish Centre for Pensions, Helsinki, Finland

Competing Interests

The authors have declared that no competing interests exist.